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  "documentTitle": "Central Pacific Financial | Investor Presentation Deck | 21 slides",
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  "authorName": "Central Pacific Financial",
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  "presentationDate": "2022-09-01 00:00:00",
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  "notes": "The chart illustrates the sensitivity of Net Interest Income to interest rate changes under two scenarios: gradual and immediate.",
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  "components": [
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      "kind": "chart",
      "text": "Net Interest Income Rate Sensitivity",
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      "text": "2Q 2022 Core NIM (excluding PPP) increased by 13 bps sequential quarter to 3.01% due to asset sensitivity and the rising rate environment\n3Q 2022 Core NIM estimated to further increase by 10-15 bps",
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      "text": "1 Excludes $0.9MM in PPP net interest income, and $33MM in average PPP loan balances.\n* Immediate reflects an instantaneous, parallel rate shock, whereas gradual reflects a parallel rate ramp evenly over 12 months.",
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      "text": "NIM tailwinds",
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      "evidence": "Slides 6-15: Accelerating & sustainable growth, Residential Mortgage Strength, Small Business Leader, Solid Low-Cost Core Deposit Portfolio, Strong credit & capital profile",
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