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  "documentTitle": "Central Pacific Financial | Results Presentation Deck | 13 slides",
  "authorId": "central-pacific-financial",
  "authorName": "Central Pacific Financial",
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  "presentationDate": "2022-01-01 00:00:00",
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  "notes": "The chart shows a downward trend in NIM for the company and peers from 1Q20 to 4Q21.",
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  "slideHref": "/slides/019de071-fd73-74fe-9a76-6cd46532b5ce/6",
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      "kind": "chart",
      "text": "Line chart showing NIM trends for CPF GAAP, Peers GAAP, and CPF Excl PPP",
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      "text": "NIM impacted by low interest rate environment and excess liquidity. Cost of total deposits currently just 0.06%. Balance sheet is slightly asset sensitive (+100 bps shock estimated to increase NII by 4%) and deposit betas are anticipated to be low",
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      "text": "Normalized to exclude PPP impact, refer to slide 13 for additional details.",
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      "kind": "title",
      "text": "Net Interest Margin & Rate Sensitivity",
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      "evidence": "Overview of 4th Quarter 2021 and Full 2021 Year Highlights, Consistent Loan Growth, Net Interest Margin & Rate Sensitivity, Strong Asset Quality, Allowance for Credit Losses, and Solid Capital Position",
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