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Income Overview
Net Income
$20,822K
EPS
$0.8
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans, including fees
65,553
64,323
64,573*
67,222
Taxable investment securities
9,732
9,210
9,379*
9,776
Tax-exempt investment securities
684
682
695*
709
Dividend income on investment securities
-
-
0*
-
Deposits in other financial institutions
2,331
2,500
2,085*
1,857
Dividend income on frb and fhlb stock
389
381
315*
395
Total interest income
78,689
77,096
77,045*
79,959
Interest on short-term borrowings
-
0
0*
0
Demand
757
522
427*
490
Savings and money market
7,554
7,502
8,210*
8,898
Time
6,488
6,665
7,593*
7,410
Long-term debt
1,056
1,049
1,577*
1,860
Total interest expense
15,855
15,738
17,806*
18,658
Net interest income
62,834
61,358
59,239*
61,301
Provision for credit losses
4,382
2,353
1,996*
4,157
Net interest income after provision for credit losses
58,452
59,005
57,243*
57,144
Net gain on sales of investment securities
-
0
60*
-30
Mortgage banking income
693
649
932*
958
Service charges on deposit accounts
2,250
2,299
2,343*
2,330
Other service charges and fees
6,330
5,789
5,077*
6,472
Income from fiduciary activities
1,580
1,423
1,629*
1,547
Income from bank-owned life insurance
2,999
399
1,244*
1,879
Other
768
1,015
753*
351
Total other operating income
14,620
11,574
12,037*
13,507
Salaries and employee benefits
25,372
23,085
22,587*
24,749
Net occupancy
4,299
4,322
4,399*
4,598
Computer software
4,952
5,045
4,921*
5,151
Legal and professional services
2,607
2,384
2,905*
2,669
Equipment
822
807
999*
867
Advertising
762
997
1,049*
730
Communication
840
823
682*
791
Other
6,526
6,203
4,735*
7,454
Total other operating expense
46,180
43,666
42,275*
47,009
Income before income taxes
26,892
26,913
27,005*
23,642
Income tax expense
6,070
6,188
4,792*
5,068
Net income
20,822
20,725
22,213
18,574
Basic EPS
0.8
0.79
0.828
0.69
Diluted EPS
0.8
0.78
0.823
0.69
Basic Average Shares
25,999,122
26,277,749
26,838,951
26,968,163
Diluted Average Shares
26,109,241
26,414,880
26,982,553
27,083,280
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$65,553K
(-0.18%↓ Y/Y)
Taxable investment
securities
$9,732K
(-1.41%↓ Y/Y)
Deposits in other
financial institutions
$2,331K
(57.08%↑ Y/Y)
Tax-exempt investment
securities
$684K
(-3.53%↓ Y/Y)
Dividend income on frb and
fhlb stock
$389K
(0.26%↑ Y/Y)
Total interest income
$78,689K
(0.73%↑ Y/Y)
Net interest income
$62,834K
(5.08%↑ Y/Y)
Other service charges
and fees
$6,330K
(6.26%↑ Y/Y)
Income from bank-owned
life insurance
$2,999K
(32.70%↑ Y/Y)
Service charges on
deposit accounts
$2,250K
(5.93%↑ Y/Y)
Income from fiduciary
activities
$1,580K
(5.26%↑ Y/Y)
Other
$768K
(79.86%↑ Y/Y)
Mortgage banking income
$693K
(-6.85%↓ Y/Y)
Total interest
expense
$15,855K
(-13.47%↓ Y/Y)
Net interest income
after provision for...
$58,452K
(6.65%↑ Y/Y)
Total other operating
income
$14,620K
(12.35%↑ Y/Y)
Provision for credit
losses
$4,382K
(-12.13%↓ Y/Y)
Savings and money market
$7,554K
(-10.22%↓ Y/Y)
Time
$6,488K
(-14.81%↓ Y/Y)
Long-term debt
$1,056K
(-42.95%↓ Y/Y)
Demand
$757K
(70.88%↑ Y/Y)
Income before income
taxes
$26,892K
(12.63%↑ Y/Y)
Total other operating
expense
$46,180K
(5.08%↑ Y/Y)
Net income
$20,822K
(13.96%↑ Y/Y)
Income tax expense
$6,070K
(8.30%↑ Y/Y)
Salaries and employee
benefits
$25,372K
(11.79%↑ Y/Y)
Other
$6,526K
(6.62%↑ Y/Y)
Computer software
$4,952K
(-6.92%↓ Y/Y)
Net occupancy
$4,299K
(1.08%↑ Y/Y)
Legal and
professional services
$2,607K
(-9.26%↓ Y/Y)
Communication
$840K
(-6.77%↓ Y/Y)
Equipment
$822K
(-13.47%↓ Y/Y)
Advertising
$762K
(-8.41%↓ Y/Y)
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CENTRAL PACIFIC FINANCIAL CORP (CPF)
CENTRAL PACIFIC FINANCIAL CORP (CPF)