Central Pacific Financial Investor Presentation Deck
Historical Financial Highlights
($ in millions)
Balance Sheet (period end data)
Loans and leases
Total assets
Total deposits
Total shareholders' equity
Income Statement
Net interest income
Provision (credit) for credit losses
Other operating income
Other operating expense
Income taxes (benefit)
Net income
Profitability
Return on average assets
Return on average shareholders' equity
Efficiency ratio (*)
Net interest margin
Capital Adequacy (period end data)
Leverage capital ratio
Total risk-based capital ratio
3Q
Central Pacific Financial Corp
$5,422.2 $5,301.6
7,337.6 7,299.2
6,556.4 6,622.1
438.5 455.1
55.4
0.4
9.6
42.0
5.9
16.7
2022
2Q
8.65%
13.74%
53.0
1.0
17.1
45.4
6.2
17.5
0.12%
0.08%
1Q
0.91%
1.06%
0.96%
14.93%
64.62% 64.68% 63.16%
14.49%
14.44%
3.17%
3.05%
2.97%
8.59%
13.87%
50.9
(3.2)
9.6
38.2
6.0
19.4
2021
8.50%
14.18%
$5,174.8 $ 5,101.6 $ 4,964.1 $ 4,449.5 $4,078.4 $3,770.6
7,298.8 7,419.1 6,594.6 6,012.7 5,807.0 5,623.7
6,599.0 6,639.2 5,796.1 5,120.0 4,946.5 4,956.4
486.3
558.2
546.7
528.5
491.7
500.0
211.0
(14.6)
43.1
163.0
25.8
79.9
1.13%
14.38%
64.16%
3.18%
8.48%
14.48%
2020
0.02%
0.12%
197.7
42.1
45.2
151.7
11.8
37.3
Year Ended December 31,
2019
2018
0.58%
6.85%
62.47%
3.30%
8.81%
15.19%
184.1
6.3
41.8
141.6
19.6
58.3
0.99%
11.36%
62.69%
3.35%
9.53%
13.64%
173.0
0.15%
0.03%
(1.5)
38.8
135.1
18.8
59.5
1.05%
12.22%
63.79%
3.22%
9.88%
14.69%
2017
0.02%
0.06%
167.7
(2.6)
36.5
131.0
34.6
41.2
0.75%
8.03%
64.14%
3.28%
10.35%
15.92%
2016
$ 3,524.9
5,384.2
4,608.2
504.7
Asset Quality
0.11%
0.08%
0.09%
0.03%
0.10%
0.15%
0.12%
0.07%
Net loan charge offs/average loans
Nonaccrual loans/total loans (period end)
(*) Certain amounts in prior years were reclassified to conform to current year's presentation. These reclassifications had an immaterial impact to our
previously reported efficiency ratios.
158.0
(5.4)
42.3
132.4
26.3
47.0
0.90%
9.16%
66.10%
3.27%
10.64%
15.49%
0.03%
0.24%
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