Hanmi Financial Q4 net income $17.7M ($0.58 EPS), up 18.8% QoQ; NIM expands 17bps to 2.91%

HANMI FINANCIAL CORP

2024-FY EPS reported $2.05 revenue$234,359,000

Net income $17.7M, diluted EPS $0.58 vs Q3 $14.9M and $0.49; full-year 2024 net income $62.2M ($2.05) vs 2023 $80.0M ($2.62).
Net interest margin (taxable-equivalent) up 17bps to 2.91%; net interest income $53.4M, up 6.8% from Q3.
Loans $6.25B (flat QoQ); loan production $339M at 7.37% rate. Deposits $6.44B, up 0.5%, noninterest-bearing demand deposits 32.6% of total.
Credit loss expense $0.9M (down from $2.3M); nonperforming loans down 7.9% to $14.3M, or 0.23% of loans.
CEO: C&I loan portfolio grew 16% in 2024; noninterest-bearing demand deposits grew 5% for full year; NPA/total assets improved to 0.19%.

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