Central Pacific Financial Corp. is a bank holding company for its bank subsidiary, Central Pacific Bank. Through its bank and its subsidiaries, the Company offers full-service commercial banking with 39 bank branches and more than 95 automate teller machines (ATMs) located throughout the state of Hawaii. The Company operates 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 a broad range of banking products and services including accepting time and demand deposits and originating loans, including commercial loans, construction loans, commercial and residential mortgage loans, and consumer loans. Central Pacific Financial derives its income primarily from interest and fees on loans, interest on investment securities, and fees received in connection with deposit and other services.