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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. 24 24
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