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  "documentTitle": "Central Pacific Financial | Results Presentation Deck | 18 slides",
  "authorId": "central-pacific-financial",
  "authorName": "Central Pacific Financial",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-04-01 00:00:00",
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  "notes": "NCO = Net Charge-Offs. The slide highlights credit risk mitigation strategies for home improvement and unsecured loans.",
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      "kind": "chart",
      "text": "Consumer Loan Portfolio as of March 31, 2023 (in Millions)",
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      "text": "Home improvement: Borrowers are homeowners who are shown to have better credit risk; majority are solar PV loans with the ability to turn service off\nUnsecured: Highly granular with average loan amounts of ~$12,000\nLoans are underwritten based on stressed losses; current loss rates remain under those levels",
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      "text": "Total Hawaii Consumer $343MM / Total Mainland Consumer $429MM\nWeighted average origination FICO:\n742 for Hawaii Consumer\n740 for Mainland Consumer\nYTD Annualized NCO %:\nHI- Auto 0.14%\nHI Other -0.07%\nMainland Auto 0.5%\nMainland Home Improvement 1.8%\nMainland Unsecured 2.3%",
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      "text": "Consumer Loan Portfolio",
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      "evidence": "The presentation highlights the company's financial performance and loan portfolio",
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