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  "documentTitle": "Central Pacific Financial | Results Presentation Deck | 13 slides",
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  "authorName": "Central Pacific Financial",
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  "presentationDate": "2022-01-01 00:00:00",
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  "notes": "The slide highlights a provision release in 4Q21 and compares internal coverage ratios against peer benchmarks.",
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      "kind": "callout",
      "text": "$7.4 million Provision release in 4Q21 driven by $0.9 million in net recoveries and continued improvements in the loan portfolio and economic forecast. ACL coverage ratio (excluding PPP) at 1.36% for 4Q21",
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      "text": "* Public banks $3-10 billion in total assets, source: S&P Global.",
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      "text": "Quarterly ACL roll-forward table including Beginning Balance, Net charge-offs, Provision, Ending Balance, and Coverage Ratios.",
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      "kind": "title",
      "text": "Allowance for Credit Losses",
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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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