For the year ending 2025-12-31, CPF had -$2,288K decrease in cash & cash equivalents over the period. $92,303K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 77,480 |
| Provision (credit) for credit losses | 15,712 |
| Depreciation and amortization of premises and equipment | 7,103 |
| Loss on disposal of premises and equipment | -2,002 |
| Non-cash lease expense (benefit) | 0 |
| Cash flows from operating leases | 5,048 |
| Amortization of mortgage servicing rights | 843 |
| Net amortization of premium (accretion of discount) on investment securities | 1,283 |
| Share-based compensation | 2,254 |
| Net loss (gain) on sales of investment securities | -30 |
| Net gain on sales of residential mortgage loans | 1,628 |
| Proceeds from sales of loans held for sale | 104,432 |
| Origination of loans held for sale | 98,226 |
| Equity in (earnings) losses of unconsolidated entities | 106 |
| Distributions from unconsolidated entities | 941 |
| Net increase in cash surrender value of bank-owned life insurance | 7,452 |
| Deferred income tax expense | -15,491 |
| Net tax benefit from share-based compensation | -270 |
| Amortization and impairment of intangible assets | 0 |
| Net change in other assets and liabilities | -15,632 |
| Net cash provided by operating activities | 97,465 |
| Purchases of investment securities available-for-sale | 50,592 |
| Proceeds from maturities, prepayments and calls of investment securities available-for-sale | 75,459 |
| Proceeds from sales of investment securities available-for-sale | 1,480 |
| Proceeds from maturities, prepayments and calls of investment securities held-to-maturity | 40,477 |
| Loan payments (originations), net | -130,947 |
| Purchases of loan portfolios | 99,592 |
| Proceeds from sales of loans originated for investment | 0 |
| Purchases of bank-owned life insurance | 1,157 |
| Proceeds from bank-owned life insurance death benefits | 4,109 |
| Net purchases of premises, equipment and land | 5,162 |
| Proceeds from sales of premises, equipment and land | 0 |
| Net return of capital from unconsolidated entities | 0 |
| Contributions to unconsolidated entities | 9,876 |
| Net proceeds from (purchases) redemption of frb and fhlb stock | -18,907 |
| Net cash provided by investing activities | 67,186 |
| Net (decrease) increase in deposits | -34,247 |
| Net decrease in fhlb advances and other short-term borrowings | 0 |
| Proceeds from long-term debt | 0 |
| Repayments of long-term debt | 80,000 |
| Cash dividends paid on common stock | 29,356 |
| Repurchases of common stock and other related costs | 23,336 |
| Net cash (used in) provided by financing activities | -166,939 |
| Net (decrease) increase in cash and cash equivalents | -2,288 |
| Cash and cash equivalents at beginning of year | 380,941 |
| Cash and cash equivalents at end of year | 378,653 |
CENTRAL PACIFIC FINANCIAL CORP (CPF)
CENTRAL PACIFIC FINANCIAL CORP (CPF)