Investor Presentaiton
2017
2016
Historical Financial Highlights
Year Ended December 31,
QTD
QTD
QTD
($ in millions)
3Q21
2Q21
1Q21
2020
2019
Balance Sheet (period end data)
Loans and leases
2018
Total assets
Total deposits
Total shareholders' equity
6,594.6
$5,045.8 $5,077.3 $5,137.8 $ 4,964.1 $ 4,449.5 $ 4,078.4 $ 3,770.6 $ 3,524.9
7,298.2 7,178.5 6,979.3
6,012.7
5,807.0
5,623.7
555.4
6,515.9 6,397.2 6,209.0
542.9
5,796.1
5,120.0
4,946.5
4,956.4
5,384.2
4,608.2
552.8
546.7
528.5
491.7
500.0
504.7
Income Statement
Net interest income
56.1
52.1
49.8
197.7
184.1
173.0
167.7
158.0
Provision (credit) for credit losses
(2.6)
(3.4)
(0.8)
42.1
6.3
(1.5)
(2.6)
(5.4)
Other operating income
10.3
10.5
10.7
45.2
41.8
38.8
36.5
42.3
Other operating expense
41.3
41.4
37.8
151.7
141.6
135.1
131.0
132.4
Income taxes (benefit)
6.8
5.9
5.5
11.8
19.6
18.8
34.6
26.3
Net income
20.8
18.7
18.0
37.3
58.3
59.5
41.2
47.0
Profitability
Return on average assets
Return on average shareholders' equity
Efficiency ratio (*)
Net interest margin
1.15% 1.06% 1.07%
14.83% 13.56% 13.07%
62.32% 66.20% 62.54%
3.31% 3.16% 3.19%
0.58%
6.85%
62.47%
0.99%
1.05%
0.75%
0.90%
11.36%
12.22%
8.03%
9.16%
62.69%
63.79%
64.14%
66.10%
3.30%
3.35%
3.22%
3.28%
3.27%
Capital Adequacy (period end data)
Leverage capital ratio
Total risk-based capital ratio
8.51%
14.58%
8.56% 8.85%
14.93% 15.37%
8.81%
15.19%
9.53%
13.64%
9.88%
14.69%
10.35%
15.92%
10.64%
15.49%
Asset Quality
Net loan chargeoffs/average loans
0.02%
Nonaccrual loans/total loans (period end)
0.14%
0.06%
0.13%
0.06%
0.14%
0.15%
0.12%
0.15%
0.03%
0.02%
0.06%
0.11%
0.03%
0.07%
0.24%
Central Pacific Financial Corp
(*) 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.
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