Financial Performance - Central Pacific Financial Corp (CPF) reported net income of $183 million, resulting in diluted earnings per share of $067 for 2Q25[13] - Pre-provision net revenue (PPNR) reached $289 million in 2Q25[13] - The return on assets (ROA) was 100% and the return on equity (ROE) was 1304% in 2Q25[13] - The net interest margin (NIM) expanded to 344%[13] Loan and Deposit Portfolio - Total assets reached $74 billion[8] - The loan portfolio is diversified, with 80% secured by real estate[16] - Total deposits amounted to $654 billion[18] - Noninterest-bearing demand deposits constitute 30% of the total deposit portfolio[20] Capital and Liquidity - The company maintains a strong liquidity position, with total sources of liquidity amounting to $2822 billion[43] - The investment portfolio is high quality, with 95% AAA rated and totals $13 billion, representing 18% of total assets[42] - The company repurchased 103077 shares of CPF common stock for $26 million, at $2500 per share[13, 46] Hawaii Economy - Construction completed in 2024 reached $14 billion[10] - Visitor spending totaled $9 billion as of May 2025, a 65% increase from the same period last year[11]

Financial Performance - The company's Core Return on Average Assets (ROA) was 1.38%, an increase of 9 basis points (bps) quarter-over-quarter (QoQ)[6] - Core Pre-Provision Net Revenue (PPNR) reached $107.8 million, up 3% QoQ[6] - Net Interest Margin (NIM) increased by 1 basis point (bp) QoQ to 3.89%, driven by deposit repricing and wholesale funding optimization[6, 9] - Core Fee Revenue totaled $88.0 million, a 9% increase QoQ and a 2% increase year-over-year (YoY)[6] - The company returned $149.9 million of capital to shareholders year-to-date (YTD), including $131.5 million from share repurchases[6] Loan Portfolio - Commercial & Industrial (C&I) loans increased by 7% QoQ annualized[12] - Residential mortgage and WSFS-originated consumer loans grew 16% QoQ annualized[16] - Total Gross Loans decreased slightly by $11 million QoQ[12] Deposit Trends - Total client deposits increased by $242 million QoQ, representing a 6% annualized growth[17, 21] - Noninterest demand deposits grew by $359 million QoQ, a 29% annualized increase[17] - Total client deposits increased by $830 million YoY, a 5% increase[17, 21] Capital and Asset Quality - The company's CET1 ratio was 14.07%[5] - Tangible book value (TBV) per share grew 20% YoY to $30.32, which includes a negative impact of $9.29 per share related to Reported Accumulated Other Comprehensive Income (AOCI)[28] - The company announced the sale of $98.1 million of Upstart loans[6] - The ACL coverage ratio was 1.43%[5, 46]

Financial Performance - Total assets decreased by 1.5% from Q1 2025 to $6.16 billion [6] - Loans held for investment increased by 1.8% from Q1 2025 to $4.38 billion [6] - Total deposits decreased by 1.8% from Q1 2025 to $5.39 billion [6] - Net income decreased by 34% from Q1 2025 to $10.0 million [30] - Diluted EPS decreased by 34% from Q1 2025 to $0.48 [6] - Net interest margin, tax equivalent, increased by 13 bps from Q1 2025 to 3.57% [6] Credit Risk Profile - Nonperforming loans ratio increased by 44 bps from Q1 2025 to 0.85% [6] - Net charge-off ratio decreased by 27 bps from Q1 2025 to 0.02% [6] - Allowance for credit losses ratio increased by 25 bps from Q1 2025 to 1.50% [6] Wealth Management - Wealth Management Assets Under Administration increased from $3.15 billion in 2024 to $3.28 billion in 2025 [21] - Investment Services and Private Wealth Revenue for Q2 2025 was $7.2 million and $4.9 million respectively [22]

Financial Performance - Q2 2025 - Adjusted earnings reached $973 million, or $2.38 per share[16] - Operating cash flow totaled $845 million[16] - Shareholder distributions amounted to $906 million[17] - Capital expenditures and investments were $587 million[17] - Net debt-to-capital ratio stood at 41%[17] Segment Performance - Q2 2025 - Midstream adjusted EBITDA was $1 billion[11] - Refining adjusted pre-tax income was $392 million[20] - Marketing & Specialties adjusted pre-tax income was $660 million[20] - Renewable Fuels had an adjusted pre-tax loss of $133 million[20] Refining Metrics - Q2 2025 - Refining crude utilization was 98%[43] - Clean product yield was 86%[43] - Market capture was 99%[43] - Refining adjusted controllable costs were $5.46 per barrel[43] Outlook - Q3 2025 - Global Olefins & Polyolefins utilization is projected in the mid-90% range[25] - Refining crude utilization is expected in the low to mid-90% range[25] - Refining turnaround expense is estimated between $50 million and $60 million[25] - Corporate & Other costs are projected between $350 million and $370 million[25]

Financial Performance - Q2 2025 - Revenue for Q2 2025 was $459 million[17] - GAAP EPS was $(0.23), while non-GAAP adjusted EPS was $(0.15)[13, 17] This excludes the appeal bond associated with the legal verdict[13] - Operating income was $(4.8) million, with an operating margin of (1.0)%, while non-GAAP adjusted operating income was $(0.1) million with an operating margin of 0.0%[17] - Net loss attributable to common stockholders was $(9.6) million, while the non-GAAP adjusted net loss was $(6.1) million[17] Segment Performance - Q2 2025 - Transportation Solutions revenue was $400 million with an operating margin of 3.1%[20] - Parts & Services revenue was $60 million with an operating margin of 15.2%[20] Cash Flow & Capital Allocation - Q2 2025 - Free cash flow was $(22.8) million[23] - Capital expenditures totaled $6.2 million[25] - Expenditures for revenue generating assets were $0.7 million[25] - Dividends paid amounted to $3.4 million[25] - Share repurchases totaled $10.4 million[25] 2025 Financial Outlook - The company reduced its 2025 outlook to a revenue midpoint of $1.6 billion and a non-GAAP adjusted EPS midpoint of $(1.15)[13, 28]

Financial Performance - Net income available to common shareholders was $2.5 million, resulting in diluted earnings per share of $0.26 in 2Q25[12, 13] - Net interest income increased by $0.4 million, a 2.3% increase, from $17.5 million in 1Q25 to $17.9 million in 2Q25[10, 43] - Total assets under management increased by $320 million, a 4.5% increase, during the quarter to $7.50 billion[34] Loan Portfolio - Total loans held for investment increased by $114.4 million from the prior quarter due to strong loan production[24] - New loan production in 2Q25 reached $166.9 million, with a focus on relationship-based lending[24] - Total loans reached $2.57 billion[18] Deposits - Total deposits increased by 0.4% from $2.52 billion in 1Q25 to $2.53 billion in 2Q25[29] - Noninterest-bearing deposits decreased by 11.7% from $410 million in 1Q25 to $362 million in 2Q25, primarily due to seasonal outflows[29] Expenses and Efficiency - Non-interest expense decreased to $19.1 million from $19.4 million in 1Q25, driven by a decrease in salaries and employee benefits expense[53] - The efficiency ratio improved from 79.16% in 1Q25 to 78.83% in 2Q25[53] Asset Quality - ACL/Total Loans increased from 0.74% in 1Q25 to 0.75% in 2Q25[57]

Q 2 2025 Ways We Win mohawkind.com NYSE: MHK Forward-looking Statements & Non-GAAP Numbers Certain of the statements in this presentation, particularly those anticipating future performance, business prospects, growth and operating strategies and similar matters and those that include the words "could," "should," "believes," "anticipates," "expects," and "estimates," or similar expressions constitute "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, an ...

Financial Performance - Core diluted EPS was $0.46[6] - Net interest income reached $88 million[6] - Core ROAA was 0.53%[6] - Core ROTCE was 6.17%[6] Loan Portfolio - Total loans increased at an annualized rate of 2%[7] - Commercial and industrial loans grew by $132 million[7] - The commercial loan pipeline reached a record high of $791 million, a 111% increase from the previous quarter's $376 million[7] - Total loan pipeline at Q2-25 is $955 million[13] Deposit Trends - Premier Banking teams added $115 million in deposits at a weighted average cost of 2.71%[7, 10] - Total deposits increased by $55 million from the prior quarter[33] - Time deposits increased by $180 million to $2.3 billion[37] Asset Quality - Criticized loans as a % of total loans remain low at 1.43% as of Q2-25[19] - The allowance for credit losses plus unamortized credit and PCD marks amounted to $84.2 million, or 0.83% of total loans[23] Capital Management - The company repurchased 1,003,550 shares during the quarter[7] - The company redeemed all preferred stock for $57 million[7, 59]

EARNINGS PRESENTATION SECOND QUARTER 2025 NASDAQ: USCB 1 FORWARD-LOOKING STATEMENTS This presentation may contain statements that are not historical in nature and are intended to be, and are hereby identified as, forward-looking statements for purposes of the safe harbor provided by Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are those that are not historical facts. The words "may," "will," "anticipate," "could," " should," "would," "believe," "contemplate," "e ...

Eastern Bankshares (EBC) Q2 2025 Earnings Call July 25, 2025 09:00 AM ET Company ParticipantsRobert Rivers - Executive Chair & Chair of the Board of DirectorsDenis Sheahan - CEO & DirectorDavid Rosato - CFO & TreasurerMark Fitzgibbon - MD & Head - FSG ResearchDamon Delmonte - Managing DirectorConference Call ParticipantsLaurie Hunsicker - Senior AnalystOperatorWelcome to the Eastern Bancshares Inc. Second Quarter twenty twenty five Earnings Conference Call. Currently, all participant lines are in a listen o ...