Hanmi Financial Q3 net income $14.9M ($0.49), NIM expands 5 bps to 2.74%, loans up 1.3%

HANMI FINANCIAL CORP

2024-Q3 EPS reported $1.47 revenue$173,552,000

Net income $14.9M ($0.49 diluted) vs $14.5M ($0.48) in Q2; ROAA 0.79%, ROAE 7.55%.
Net interest margin (tax-equiv.) up 5 bps to 2.74%; loan yield 6.00%, deposit cost flat at 4.27%.
Loans $6.26B (+1.3% QoQ) on $347.8M production at 7.92%; deposits $6.40B (+1.2%), noninterest-bearing demand up 4.7%.
Credit loss expense $2.3M vs $1.0M; nonaccrual loans down 18.8% to $15.2M, three loans $129.8M downgraded to special mention.
After Q3, completed sale of $28.3M nonaccrual construction loan; net charge-offs $0.9M included $1.7M recovery.

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