Hanmi Financial Q2 net income $14.5M ($0.48 EPS) vs Q1 $15.2M; NIM down 9 bps

HANMI FINANCIAL CORP

2024-Q2 EPS reported $0.97 revenue$115,064,000

Net income $14.5M ($0.48 diluted EPS) vs Q1 $15.2M ($0.50 EPS); ROAA 0.77%, ROAE 7.50%.
Net interest income $48.6M, down 4% QoQ; NIM (TE) 2.69%, down 9 bps; loan yield -1 bp, deposit cost +11 bps.
Loan production $273.9M at 8.31% avg rate; loans flat at $6.18B; deposits $6.33B, down 0.7%.
Noninterest expense $35.3M, down 3.2% QoQ; noninterest income $8.1M, up 4.2%.
Criticized loans down 17.6% to $70.9M; NPAs 0.26% of assets; net charge-offs $1.8M (0.12% annualized).

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