Investor Presentaiton
3rd Quarter 2021 Highlights
Highest pre-tax income since 2007
Increased quarterly cash dividend by 4.2%
PROFITABILITY
NET INCOME /
DILUTED EPS
.
Core loan growth 16% LQA and core deposit growth 18% LQA
$6.5 billion in total deposits at an average cost 0.05%
ASSET QUALITY
CAPITAL
$20.8 Million / $0.74
NPAS/TOTAL ASSETS
0.10%
QTRLY DIVIDEND
$0.25 per share
ROA/ROE
1.15% / 14.83%
NCOS/AVERAGE
LOANS1
0.02%
CET1
11.2%
NET INTEREST
MARGIN
3.31% Actual
2.96% Normalized*
CLASSIFIED ASSET
RATIO²
6.77%
TIER 1 LEVERAGE*
8.9%
EFFICIENCY RATIO
62.3%
ACL COVERAGE*
1.55%
TCE*
7.9%
Normalized to exclude PPP impact.
1
Net charge-offs (NCOs) are annualized
2
Classified assets + OREO / Tier 1 Capital + ACL
Central Pacific Financial Corp.
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