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  "documentTitle": "Central Pacific Financial | Results Presentation Deck | 15 slides",
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  "presentationDate": "2023-01-01 00:00:00",
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  "notes": "The table tracks the roll-forward of the allowance balance and compares internal coverage ratios against a peer group.",
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      "text": "$1.0 million provision for credit loss on loans in 4Q22 driven by loan growth and net charge-offs; partially offset by a $0.4 million credit to the reserve for unfunded commitments, for a total provision for credit loss of $0.6 million. ACL coverage ratio at 1.15% for 4Q22",
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      "text": "* Public banks $3-10 billion in total assets, source: S&P Global.",
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