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  "documentTitle": "Central Pacific Financial | Results Presentation Deck | 21 slides",
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  "notes": "The table shows the reconciliation of the allowance balance including charge-offs and provisions.",
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      "text": "ACL coverage ratio increased to 1.18% for 4Q23",
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      "text": "$5.0MM provision for credit loss on loans in 4Q23 driven by net charge-offs, offset by a credit of $0.3MM to the reserve for unfunded commitments, for a total provision for credit loss of $4.7MM",
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      "text": "Beginning Balance, Less: Net Charge-offs (Recoveries), Plus: Provision (Credit) for Credit Losses, Ending Balance, Coverage Ratio (ACL to Total Loans)",
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