CPF vs FDBC

CPF Core

Annual filing released 2025-02-26 · GPT 6 Luna

When we refer to "the Company," "we," "us" or "our," we mean Central Pacific Financial Corp. and its subsidiaries on a consolidated basis. When we refer to "Central Pacific Financial Corp.," "CPF" or to the holding company, we are referring to the parent company on a standalone basis. We refer to Central Pacific Bank herein as "our Bank" or "the Bank." Through our Bank and its subsidiaries, we offer full-service commercial banking with 27 bank branches and 55 ATMs located throughout the State of Hawaii. Our administrative and main offices are located in Honolulu and we have 20 branches on the 4 Table of Contents island of Oahu. We operate four branches on the island of Maui, two branches on the island of Hawaii and one branch on the island of Kauai.

Central Pacific Bank is a full-service commercial bank offering traditional deposit and lending products and services to consumer and business customers, such as accepting demand, money market, savings and time deposits, originating loans, including commercial loans, construction loans, commercial real estate loans, residential mortgage loans, and consumer loans and fiduciary and investment management services. Our Bank's deposits are insured by the Federal Deposit Insurance Corporation ("FDIC") up to applicable limits. The Bank became a member of the Federal Reserve System in January 2025.

FDBC Core

Annual filing released 2025-03-13 · GPT 6 Luna

Fidelity D & D Bancorp, Inc. (the Company) was incorporated in the Commonwealth of Pennsylvania, on August 10, 1999, and is a bank holding company, whose wholly-owned state chartered commercial bank subsidiary is The Fidelity Deposit and Discount Bank (the Bank) (collectively, the Company). The Company is headquartered at Blakely and Drinker Streets in Dunmore, Pennsylvania. The Company's primary market area (service area) is comprised of the Borough of Dunmore and the surrounding communities within Lackawanna and Luzerne counties in Northeastern Pennsylvania and Northampton County in Eastern Pennsylvania.

The Bank has offered a full range of traditional banking services since it commenced operations in 1903. The Bank has a personal and corporate trust department and also provides alternative financial and insurance products with asset management services. A full list of services provided by the Bank is detailed in the section entitled “Products and Services” contained within the 2024 Annual Report to Shareholders, incorporated by reference. As of June 30, 2024, the Company had 15.70% of Lackawanna County’s total deposit market share ranking 2nd in total deposits, 6.14% of Luzerne County’s total deposit market share ranking 8 th in total deposits, and 7.12% of Northampton County’s total deposit market share ranking 6 th in total deposits.

CPF Core

Annual filing released 2025-02-26 · GPT 6 Luna

Central Pacific Financial Corp., a Hawaii corporation and bank holding company registered under the Bank Holding Company Act of 1956, as amended (the "BHC Act"), was organized on February 1, 1982. Our principal business is to serve as a holding company for our bank subsidiary, Central Pacific Bank, which was incorporated in its present form in the State of Hawaii on March 16, 1982 in connection with the holding company reorganization. Its predecessor entity was incorporated in the State of Hawaii on January 15, 1954. We provide financial results based on a fiscal year ending December 31 as a single reportable segment. As of December 31, 2024, we had total assets of $7.47 billion, total loans of $5.33 billion, total deposits of $6.64 billion and shareholders' equity of $538.4 million.

Central Pacific Bank is a full-service commercial bank offering traditional deposit and lending products and services to consumer and business customers, such as accepting demand, money market, savings and time deposits, originating loans, including commercial loans, construction loans, commercial real estate loans, residential mortgage loans, and consumer loans and fiduciary and investment management services. Our Bank's deposits are insured by the Federal Deposit Insurance Corporation ("FDIC") up to applicable limits. The Bank became a member of the Federal Reserve System in January 2025.

FDBC Core

Annual filing released 2025-03-13 · GPT 6 Luna

The Bank has offered a full range of traditional banking services since it commenced operations in 1903. The Bank has a personal and corporate trust department and also provides alternative financial and insurance products with asset management services. A full list of services provided by the Bank is detailed in the section entitled “Products and Services” contained within the 2024 Annual Report to Shareholders, incorporated by reference. As of June 30, 2024, the Company had 15.70% of Lackawanna County’s total deposit market share ranking 2nd in total deposits, 6.14% of Luzerne County’s total deposit market share ranking 8 th in total deposits, and 7.12% of Northampton County’s total deposit market share ranking 6 th in total deposits.

The Company provides a full range of banking, trust and financial services to individuals, small businesses and corporate customers. Its primary market areas are Lackawanna, Luzerne and Northampton Counties, Pennsylvania. The Company's primary deposit products are demand deposits and interest-bearing time, money market and savings accounts. It offers a full array of loan products to meet the needs of retail and commercial customers. The Company is subject to regulation by the Federal Deposit Insurance Corporation (FDIC) and the Pennsylvania Department of Banking. USE OF ESTIMATES

CPF Not tagged

Annual filing released 2025-02-26 · GPT 6 Luna

This activity has no positive tag in the selected filing snapshot.

FDBC Material

Annual filing released 2025-03-13 · GPT 6 Luna

The Bank has offered a full range of traditional banking services since it commenced operations in 1903. The Bank has a personal and corporate trust department and also provides alternative financial and insurance products with asset management services. A full list of services provided by the Bank is detailed in the section entitled “Products and Services” contained within the 2024 Annual Report to Shareholders, incorporated by reference. As of June 30, 2024, the Company had 15.70% of Lackawanna County’s total deposit market share ranking 2nd in total deposits, 6.14% of Luzerne County’s total deposit market share ranking 8 th in total deposits, and 7.12% of Northampton County’s total deposit market share ranking 6 th in total deposits.

Fees from trust fiduciary activities – Trust fees represent fees charged by the Company for the management, custody and/or administration of trusts. These are mostly monthly fees based on the market value of assets in the trust account at the prior month end. Payment is generally received a few weeks after month end through a direct charge to customers’ accounts. Estate fees are recognized and charged as the Company reaches each of six different stages of the estate administration process. ● Fees from financial services – Financial service fees represent fees charged by the Company for the performance obligation of providing various services for an investment account. Revenue is recognized twice monthly for fees on sales transactions and on a monthly basis for advisory fees and quarterly for trail fees. ●

CPF Not tagged

Annual filing released 2025-02-26 · GPT 6 Luna

This activity has no positive tag in the selected filing snapshot.

FDBC Material

Annual filing released 2025-03-13 · GPT 6 Luna

Interchange fees – Interchange fees represent fees charged by the Company for customers using debit cards. The contract is between the Company and the processor and the performance obligation is the ability of customers to use debit cards to make purchases at a point in time. The transaction price is a percentage of debit card usage and the processor pays the Company and revenue is recorded throughout the month as the performance obligations are being met. ●

Net provision (benefit) for credit losses on unfunded loan commitments 140 (165 ) Net interest income after provision for credit losses 60,400 60,721 Other income: Service charges on deposit accounts 3,942 3,996 Interchange fees 4,929 4,769 Service charges on loans 1,299 1,023 Fees from trust fiduciary activities 3,638 3,003 Fees from financial services 1,076 941 Fees and other revenue 1,672 2,133 Earnings on bank-owned life insurance 1,497 1,325 Gain (loss) on write-down, sale or disposal of: Loans 972 899 Available-for-sale debt securities - (6,468 ) Premises and equipment (12 ) (216 ) Total other income 19,013 11,405 Other expenses: Salaries and employee benefits 28,843 25,642