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  "documentTitle": "Central Pacific Financial | Results Presentation Deck | 12 slides",
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  "presentationDate": "2022-07-01 00:00:00",
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  "notes": "The chart is an area chart showing historical interest rate and deposit trends.",
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      "text": "Historical Fed Funds Target and Interest-Bearing Deposit trends from 2015 to 2022.",
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      "text": "NIM expanded by 8 bps sequential quarter due to the rising rate environment and asset sensitivity. Core NIM (excluding PPP) increased by 13 bps sequential quarter to 3.01%. Balance sheet is slightly asset sensitive (+100 bps shock estimated to increase NII by 4%) and deposit betas are anticipated to be low as demonstrated by past history.",
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      "text": "1 Excludes $0.9MM in PPP net interest income, and $33MM in average PPP loan balances.",
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