Hawaii's Business Bank - Central Pacific Bank
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Financial Highlights
Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.

Balance Sheet ($000)
 2009 Q32008 Q3Y-Y
Ch (%)		2009 Q2Q-Q
Ch (%)†
Loans Held for Investment, before Reserves3,457,6824,080,266(15.26)3,688,519(25.03)
Loans Held for Sale, before Reserves60,02736,47064.5984,748(116.68)
Loan Loss Reserve204,914100,227104.45166,07193.56
Net Loans Receivable3,312,7954,016,509(17.52)3,607,196(32.65)
Intangible Assets128,209181,214(29.25)178,928(113.38)
Total Assets5,171,5105,504,304(6.05)5,525,287(25.61)
Deposits3,860,9313,777,0722.223,966,524(10.65)
Debt, Senior and Subordinated811,0191,159,739(30.07)875,709(29.55)
Common Equity308,033510,071(39.61)486,808(146.90)
Total Shareholders' Equity446,671520,126(14.12)625,084(114.17)
Shares Outstanding (actual)30,329,12328,729,9335.5728,745,21422.04
Income Statement ($000)
 2009 Q32008 Q3Y-Y
Ch (%)		2009 Q2Q-Q
Ch (%)†
Net Interest Income43,45250,584(14.10)46,060(22.65)
Provision for Loan Losses142,49622,900522.2574,324366.89
Noninterest Income15,60811,39536.9716,259(16.02)
Noninterest Expense89,49336,879142.6742,131449.66
Net Income Before Taxes(173,098)2,212NM(59,200)769.58
Provision for Taxes10,043(1,112)NM(25,041)NM
Net Income(183,141)3,324NM(34,159)1,744.57
Per Share Items ($)
 2009 Q32008 Q3Y-Y
Ch (%)		2009 Q2Q-Q
Ch (%)†
Book Value per Share10.1617.75(42.76)16.94(160.09)
Tangible Book Value5.9311.44(48.17)10.71(178.55)
Diluted EPS Before Extra(6.38)0.11NM(1.27)1,609.45
Diluted EPS After Extra(6.38)0.11NM(1.27)1,609.45
Dividends Declared0.00000.1000NM0.00000.00
Performance Ratios (%)
 2009 Q32008 Q3Y-Y
Ch (bp)		2009 Q2Q-Q
Ch (bp)
ROAA(13.59)0.22(1,381)(2.51)(1,108)
ROAE(121.43)2.36(12,379)(20.88)(10,055)
Net Interest Margin3.564.07(51)3.77(21)
Loans / Deposits89.56108.03(1,847)92.99(344)
Efficiency Ratio55.8257.71(189)65.64(982)
Balance Sheet Ratios (%)
 2009 Q32008 Q3Y-Y
Ch (bp)		2009 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.316.37(5)8.35(203)
Equity/ Assets8.649.45(81)11.31(268)
Asset Quality Ratios (%)
 2009 Q32008 Q3Y-Y
Ch (bp)		2009 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets8.092.415684.73336
Loan Loss Reserves/ Gross Loans5.832.433394.40142
Loan Loss Reserves/ NPAs48.1575.61(2,747)63.59(1,544)
Net Charge-offs/ Avg Loans11.290.841,0453.16813
Regulatory Capital Ratios (%)
 2009 Q32008 Q3Y-Y
Ch (bp)		2009 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio10.9410.138113.28(234)
  † Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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