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  "documentTitle": "Central Pacific Financial | Investor Presentation Deck | 23 slides",
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  "authorName": "Central Pacific Financial",
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  "presentationDate": "2023-02-01 00:00:00",
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  "notes": "The slide uses a structured list format to highlight credit quality metrics.",
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      "text": "Key Strength Factors:",
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      "text": "Majority of Loans in Hawaii: 83% of total loan portfolio is in Hawaii; Hawaii real estate values are exceptionally strong and have a track record of outperforming the nation during past recessions",
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      "text": "Managed Mainland Consumer Risk: Total portfolio as of December 31, 2022 of $452 million or 8.1% of total loans; Strong origination FICO scores 740+; Purchases must meet CPB's internal underwriting guidelines; Portfolio is granular and well diversified",
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      "text": "Real Estate Focus: Loan portfolio is over 75% secured by real estate with strong LTVs",
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      "text": "Conservative Underwriting: Tighter LTV standards compared to regulatory requirements; Loan amounts >$500K fully underwritten with well-defined credit standards, including repayment capacity",
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      "text": "* Data for total mainland consumer loan portfolio, including auto, home improvement and unsecured.",
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      "text": "Solid Credit Profile to Weather a Recession",
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