Central Pacific Financial Corp. (FRA:XCP1)

Central Pacific Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	263.91	258.19	243.32	200.28	193.78
Interest Income on Investments	50.26	47.91	39.34	32.38	24.98
Total Interest Income	314.16	306.1	282.66	232.66	218.76
Interest Paid on Deposits	66.14	85.29	62.89	11.11	3.62
Interest Paid on Borrowings	7.14	9.08	9.77	5.99	4.1
Total Interest Expense	73.28	94.37	72.66	17.09	7.72
Net Interest Income	240.88	211.73	210	215.56	211.05
Net Interest Income Growth (YoY)	13.77%	0.83%	-2.58%	2.14%	6.76%
Trust Income	6.2	5.76	4.9	4.57	5.08
Mortgage Banking Activities	3.49	3.39	2.59	3.81	7.73
Gain (Loss) on Sale of Assets	-	-0.06	5.12	-0.01	-0.1
Gain (Loss) on Sale of Investments	-0.03	-9.93	-2.07	8.51	0.15
Gain (Loss) on Sale of Equity Investments	-	-0.02	-0.02	0.19	0.36
Other Non-Interest Income	33.14	30.87	27.39	22.66	23.38
Total Non-Interest Income	51.82	38.67	46.65	47.91	42.96
Non-Interest Income Growth (YoY)	34.01%	-17.11%	-2.64%	11.53%	-3.78%
Revenues Before Loan Losses	292.7	250.4	256.65	263.48	254.01
Provision for Loan Losses	15.71	9.83	15.7	-1.27	-14.59
Revenue	276.99	240.58	240.95	264.75	268.6
Revenue Growth (YoY)	15.14%	-0.16%	-8.99%	-1.43%	34.15%
Salaries and Employee Benefits	93.75	83.34	79.01	83.86	85.54
Occupancy Expenses	17.68	18	18.19	16.96	16.13
Selling, General & Administrative	42.18	41.08	41.58	41.9	41.54
Other Non-Interest Expense	25.1	30.12	23.08	17.76	19.3
Total Non-Interest Expense	178.71	172.54	161.86	165.37	162.51
EBT Excluding Unusual Items	98.28	68.04	79.1	99.38	106.09
Other Unusual Items	-	-	-2.27	-	-
Pretax Income	98.28	68.04	76.82	98.77	105.65
Income Tax Expense	20.8	14.63	18.15	24.84	25.76
Net Income	77.48	53.41	58.67	73.93	79.89
Net Income to Common	77.48	53.41	58.67	73.93	79.89
Net Income Growth	45.06%	-8.96%	-20.64%	-7.47%	114.35%
Basic Shares Outstanding	27	27	27	27	28
Diluted Shares Outstanding	27	27	27	28	28
Shares Change (YoY)	-0.41%	0.28%	-1.77%	-2.44%	0.27%
EPS (Basic)	2.88	1.97	2.17	2.70	2.85
EPS (Diluted)	2.86	1.97	2.17	2.68	2.83
EPS Growth	45.18%	-9.22%	-19.03%	-5.30%	114.39%
Dividend Per Share	1.090	1.040	1.040	1.040	0.960
Dividend Growth	4.81%	-	-	8.33%	4.35%
Effective Tax Rate	21.16%	21.50%	23.63%	25.15%	24.38%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.