0001104659-23-082628.txt : 20230720 0001104659-23-082628.hdr.sgml : 20230720 20230720115633 ACCESSION NUMBER: 0001104659-23-082628 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20230720 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230720 DATE AS OF CHANGE: 20230720 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BERKSHIRE HILLS BANCORP INC CENTRAL INDEX KEY: 0001108134 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 043510455 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-15781 FILM NUMBER: 231098756 BUSINESS ADDRESS: STREET 1: 60 STATE STREET STREET 2: 38TH FLOOR CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 617-641-9206 MAIL ADDRESS: STREET 1: 60 STATE STREET STREET 2: 38TH FLOOR CITY: BOSTON STATE: MA ZIP: 02109 8-K 1 tm2321676d1_8k.htm FORM 8-K
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

FORM 8-K

 

CURRENT REPORT

 

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

 

Date of Report (Date of earliest event reported): July 20, 2023

 

BERKSHIRE HILLS BANCORP, INC.

(Exact Name of Registrant as Specified in its Charter)

 

Delaware   001-15781   04-3510455

(State or Other Jurisdiction)

of Incorporation)

  

(Commission File No.)

  

(I.R.S. Employer

Identification No.)

 

60 State Street, Boston, Massachusetts   02109
(Address of Principal Executive Offices)   (Zip Code)

 

Registrant’s telephone number, including area code: (800) 773-5601, ext. 133773

 

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

 

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class   Trading symbol(s)   Name of each exchange on which registered
Common stock, par value $0.01 per share   BHLB   New York Stock Exchange

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

 

Emerging growth company ¨

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

 

 

 

 

 

Item 2.02Results of Operations and Financial Condition

 

On July 20, 2023, Berkshire Hills Bancorp, Inc. (the “Company”), the holding company for Berkshire Bank (the “Bank”), announced its financial results for the second quarter ended June 30, 2023. The news release containing the financial results is included as Exhibit 99.1 and shall not be deemed “filed” for any purpose.

 

The Company conducted a conference call/webcast on July 20, 2023, to discuss the financial results for the quarter and provide guidance about expected future results. A telephone replay of the call will be available through July 27, 2023. The webcast will be available on the Company’s website at ir.berkshirebank.com for an extended period of time.

 

Item 7.01Regulation FD Disclosure

 

The Company made available slides for a presentation that the Company utilized in connection with its conference call. A copy of the presentation can be found on the Company’s website at ir.berkshirebank.com.

 

Item 9.01Financial Statements and Exhibits

 

  (a) Financial Statements of Businesses Acquired.  Not applicable.
  (b) Pro Forma Financial Information.  Not applicable.
  (c) Shell Company Transactions.  Not applicable.
  (d) Exhibits.  
       
    Exhibit No. Description
       
    99.1 News Release dated July 20, 2023
    104.1 Cover Page for this Current Report on Form 8-K, formatted in Inline XBRL

 

 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

 

    Berkshire Hills Bancorp, Inc.
     
     
DATE: July 20, 2023 By: /s/ Nitin J. Mhatre
    Nitin J. Mhatre  
    President and Chief Executive Officer

 

 

 EX-99.1 2 tm2321676d1_ex99-1.htm EXHIBIT 99.1

Exhibit 99.1

 

 

Berkshire Hills Reports Second Quarter Net Income of $24 Million, or $0.55 Earnings per Share

 

10% EPS Growth Year-over-Year

 

·Period-end loan growth of 2%; total deposits unchanged
·Net loan charge-offs decreased $1.1 million; credit loss allowance increased $2.2 million commensurate with loan growth
·TCE ratio of 7.9 percent and CET1 ratio of 12.1 percent
·Repurchased $12 million of stock in 2Q23

 

BOSTON, July 20, 2023 - Berkshire Hills Bancorp, Inc. (NYSE: BHLB) today reported results for the second quarter of 2023. These results along with comparison periods are summarized below:

 

($ in millions, except per share data)  June 30, 2023   Mar. 31, 2023   June 30, 2022 
Net income  $23.9   $27.6   $$23.1 
Per share   0.55    0.63    0.50 
Operating earnings1   23.9    27.6    23.6 
Per share   0.55    0.63    0.51 
                
Net interest income, non FTE  $92.8   $97.5   $81.4 
Net interest income, FTE   94.7    99.4    82.9 
Net interest margin, FTE   3.24%   3.58%   3.11%
Non-interest income   17.1    16.6    16.4 
Operating non-interest income1   17.1    16.6    17.3 
                
Non-interest expense  $74.0   $72.0   $68.5 
Operating non-interest expense1   74.0    72.0    68.4 
Efficiency ratio1   63.6%   59.5%   66.6%
                
Average balances               
Loans  $8,791   $8,515   $7,492 
Deposits   9,568    9,676    9,755 
                
Period-end balances               
Loans   8,882    8,682    7,803 
Deposits   10,068    10,068    10,115 

 

1. See non-GAAP financial measures and reconciliation to GAAP measures on page 12.

 

1

 

 

Berkshire CEO Nitin Mhatre stated, “I’m pleased with our progress, as we continue to grow the company strategically while posting higher earnings per share year-over-year. In this dynamic banking environment, Berkshire’s teams are serving clients and communities with focus and discipline. Reflecting the quality of our underwriting and business model, credit performance remains strong and deposits have been resilient. In the second quarter, we allocated our $100 million sustainability bond issuance to targeted social and environmental projects. We’re proud to be a leader promoting strong support to the communities in our footprint”

 

CFO David Rosato added, “Second quarter GAAP net income of $23.9 million increased 3% year-over-year, generating an 8.3 percent return on average tangible common equity. The cumulative impact of Federal Reserve Bank interest rate hikes has resulted in higher funding costs for Berkshire Bank and the industry, compressing net interest margins and operating profitability. Net income decreased 14 percent linked quarter, primarily reflecting lower net interest income. Net interest margin of 3.24 percent improved 13 basis points from a year ago, but declined 34 basis points linked-quarter. Further expansion of average loan yields was more than offset by higher deposit and borrowing costs. Period-end loan balances grew 2 percent while deposits were unchanged. The period-end loan to deposit ratio measured 88 percent and the ratio of tangible common equity to tangible assets stood at 7.9 percent. Common stock repurchases totaled $12 million for the quarter.”

 

  As of and For the Three Months Ended
   June 30, 2023   Mar. 31, 2023   June 30, 2022 
Asset Quality               
Net loan charge-offs to average loans   0.26%   0.32%   0.02%
Non-performing loans to total loans   0.32%   0.31%   0.34%
                
Returns               
Return on average assets1   0.78%   0.94%   0.82%
Return on average tangible common equity1   8.26%   9.59%   8.33%
                
Capital Ratios2               
Tangible common equity/tangible assets1   7.9%   7.9%   8.5%
Tier 1 leverage   9.6%   9.9%   10.2%
Common equity Tier 1   12.1%   12.1%   12.9%
Tier 1 risk-based   12.3%   12.4%   13.2%
Total risk-based   14.4%   14.4%   16.1%

 

1. See non-GAAP measures and reconciliation to GAAP beginning on page 12. All performance ratios are annualized and are based on average balance sheet amounts, where applicable. 2. Presented as projected for June 30, 2023 and actual for the remaining periods.

 

Headquartered in Boston, Berkshire Hills Bancorp is the parent of Berkshire Bank. Providing a wide range of financial solutions through its consumer banking, commercial banking and wealth management divisions, the Bank has approximately $12.1 billion in assets and a community-based footprint of 100 financial centers in Massachusetts, New York, Vermont, Connecticut and Rhode Island. Access more information about Berkshire Hills Bancorp at ir.berkshirebank.com.

 

2

 

 

2Q 2023 Financial Highlights

 

Income Statement

 

·GAAP and operating earnings totaled $23.9 million, or $0.55 per share.
·Net interest income totaled $92.8 million in 2Q23 compared to $97.5 million in 1Q23.
○One additional calendar day in 2Q23 (1% increase in net interest income).
·Net interest margin decreased 34 basis points from 1Q23 to 3.24% reflecting:
○Higher cost of funds (increase of 58 basis points).
·Includes higher deposit costs (increase of 41 basis points).
·Includes $600 million increase in higher cost average borrowings.
○Higher yields on the loan portfolio (increase of 20 basis points).
·Provision for credit losses on loans totaled $8.0 million.
○Allowance for credit losses on loans increased $2.2 million.
○Net loan charge-offs totaled $5.8 million.
○Net annualized loan charge-off ratio of 0.26%.
·Non-interest income totaled $17.1 million in 2Q23 compared to $16.6 million in 1Q23.
○Deposit related fees included $215 thousand in higher commercial cash management fees.
○Loan related non-interest revenue included $754 thousand in higher interest rate swap income.
○Gain on SBA loan sales increased $416 thousand.
○Wealth management revenue seasonally decreased $156 thousand. At June 30, 2023, wealth assets under management were $1.4 billion.
·Non-interest expense totaled $74.0 million in 2Q23, compared to $72.0 million in 1Q23.
○Compensation and benefits expense increased $889 thousand.
○Occupancy and equipment expense decreased $409 thousand.
○Technology and communications expense increased $994 thousand.
○The efficiency ratio was 63.6% for 2Q23 compared to 59.5% for 1Q23.
·The effective income tax rate was 14.2% for 2Q23 and 15.6% for the first six months of 2023 compared to 18.7% for the full year of 2022.

 

Loans

 

·Commercial real estate loans totaled $4.3 billion at June 30, 2023, an $84 million increase from March 31, 2023.
○Average commercial real estate loans totaled $4.3 billion in 2Q23, a $117 million increase from 1Q23.
·Commercial and industrial loans totaled $1.5 billion at June 30, 2023, an $88 million decrease from March 31, 2023.
○Average commercial and industrial loans totaled $1.5 billion in 2Q23, a $31 million decrease from 1Q23.
·Residential mortgage loans totaled $2.6 billion at June 30, 2023, a $215 million increase from March 31, 2023.

oAverage residential mortgage loans totaled $2.5 billion in 2Q23, a $205 million increase from 1Q23.

·Consumer loans totaled $517 million at June 30, 2023, a $10 million decrease from March 31, 2023.

oAverage consumer loans totaled $524 million in 2Q23, a $15 million decrease from 1Q23.

·Total non-performing loans to total loans was 0.32% at June 30, 2023 compared to 0.31% at March 31, 2023.

·The allowance for credit losses to total loans was 1.13% at June 30, 2023, unchanged from March 31, 2023.

 

3

 

 

Deposits

 

·Non-interest bearing deposits totaled $2.6 billion at June 30, 2023, a $56 million decrease from March 31, 2023.
○Average non-interest bearing deposits totaled $2.6 billion in 2Q23, a $112 million decrease from 1Q23.
·Time deposits totaled $2.4 billion at June 30, 2023, $323 million increase from March 31, 2023.
○Average time deposits totaled $2.3 billion in 2Q23, a $479 million increase from 1Q23.

 

2Q 2023 ESG & CORPORATE RESPONSIBILITY HIGHLIGHTS      

 

Berkshire is a performance and purpose-driven, values-guided, community-centered bank. Berkshire's ESG activities are central to its strategy. Key highlights in the quarter include:

 

·The Company announced the allocation of its inaugural $100 million sustainability bond which helped create 330 units of affordable and workforce housing along with more than 200,000 square feet of green building development. Further details can be found in Berkshire’s Sustainability Bond Report which highlights how proceeds were allocated to support affordable housing, workforce housing, green building and financial access and inclusion projects in communities across New England and New York.

 

·Berkshire maintained its top quartile ESG rating performance and was named the recipient of the LGBT Corporate Ally Award from the Boston Business Journal.

 

4

 

 

Forward Looking Statements: This document contains “forward-looking statements” within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended. You can identify these statements from the use of the words “may,” “will,” “should,” “could,” “would,” “plan,” “potential,” “estimate,” “project,” “believe,” “intend,” “anticipate,” “expect,” “remain,” “target” and similar expressions. There are many factors that could cause actual results to differ significantly from expectations described in the forward-looking statements. For a discussion of such factors, please see Berkshire’s most recent reports on Forms 10-K and 10-Q filed with the Securities and Exchange Commission and available on the SEC’s website at www.sec.gov. You should not place undue reliance on forward-looking statements, which reflect our expectations only as of the date of this document. Berkshire does not undertake any obligation to update forward-looking statements.

 

INVESTOR CONTACT

Kevin Conn

Investor Relations

617.641.9206

kaconn@berkshirebank.com

 

MEDIA CONTACT

Gary Levante

Corporate Communications

413.447.1737

glevante@berkshirebank.com

 

###

 

5

 

 

SELECTED FINANCIAL HIGHLIGHTS (1)

 

   June 30,   March 31,   Dec. 31,   Sept. 30,   June 30, 
   2023   2023   2022   2022   2022 
NOMINAL AND PER SHARE DATA                         
Net earnings per common share, diluted  $0.55   $0.63   $0.69   $0.42   $0.50 
Operating earnings per common share, diluted (2)(3)   0.55    0.63    0.64    0.62    0.51 
Net income, (thousands)   23,861    27,637    30,505    18,717    23,115 
Operating net income, (thousands) (2)(3)   23,878    27,608    28,254    27,928    23,562 
Net interest income, (thousands) non FTE   92,759    97,533    102,092    92,084    81,358 
Net interest income, FTE (5)   94,721    99,441    103,937    93,799    82,918 
Total common shares outstanding, end of period (thousands)   44,033    44,411    44,361    45,040    45,788 
Average diluted shares, (thousands)   43,532    44,036    44,484    45,034    46,102 
Total book value per common share, end of period   22.11    22.42    21.51    20.93    22.15 
Tangible book value per common share, end of period (2)(3)   21.60    21.89    20.95    20.36    21.56 
Dividends per common share   0.18    0.18    0.18    0.12    0.12 
Dividend payout ratio   33.47%   28.98%   26.59%   29.35%   25.24%
                          
PERFORMANCE RATIOS (4)                         
Return on equity   7.82%   9.11%   10.06%   6.30%   7.82%
Operating return on equity (2)(3)   7.82    9.10    9.32    9.40    7.97 
Return on tangible common equity (2)(3)   8.26    9.59    10.59    6.76    8.33 
Operating return on tangible common equity (2)(3)   8.27    9.59    9.83    9.92    8.48 
Return on assets   0.78    0.94    1.08    0.66    0.82 
Operating return on assets (2)(3)   0.78    0.94    1.00    0.99    0.84 
Net interest margin, FTE (5)   3.24    3.58    3.84    3.48    3.11 
Efficiency ratio (3)   63.57    59.51    58.25    62.01    66.60 
                          
FINANCIAL DATA (in millions, end of period)                         
Total assets  $12,090   $12,320   $11,663   $11,317   $11,579 
Total earning assets   11,370    11,615    10,913    10,604    10,849 
Total loans   8,882    8,682    8,335    7,943    7,803 
Total deposits   10,068    10,068    10,327    9,988    10,115 
Loans/deposits (%)   88%   86%   81%   80%   77%
Total accumulated other comprehensive (loss) net of tax, end of period  $(186)  $(159)  $(181)  $(188)  $(123)
Total shareholders' equity   973    995    954    943    1,014 
                          
ASSET QUALITY                         
Allowance for credit losses, (millions)  $100   $98   $96   $96   $99 
Net charge-offs, (millions)   (6)   (7)   (12)   (6)   (0)
Net charge-offs (QTD annualized)/average loans   0.26%   0.32%   0.58%   0.30%   0.02%
Provision (benefit)/expense, (millions)  $8   $9   $12   $3   $- 
Non-performing assets, (millions)   31    29    33    40    29 
Non-performing loans/total loans   0.32%   0.31%   0.37%   0.48%   0.34%
Allowance for credit losses/non-performing loans   353    363    309    254    368 
Allowance for credit losses/total loans   1.13    1.13    1.15    1.21    1.27 
                          
CAPITAL RATIOS                         
Risk weighted assets, (millions)(6)  $9,518   $9,454   $9,151   $8,823   $8,718 
Common equity Tier 1 capital to risk weighted assets (6)   12.1%   12.1%   12.4%   12.7%   13.0%
Tier 1 capital leverage ratio (6)   9.6    9.9    10.2    10.1    10.2 
Tangible common shareholders' equity/tangible assets (3)   7.9    7.9    8.0    8.1    8.5 

 

 

(1) All financial tables presented are unaudited.
(2) Reconciliations of non-GAAP financial measures, including all references to operating and tangible amounts, appear on pages 12 and 13.
(3) Non-GAAP financial measure. Operating measurements are non-GAAP financial measures that are adjusted to exclude net non-operating charges primarily related to acquisitions and restructuring activities. See pages 12 and 13 for reconciliations of non-GAAP financial measures.
(4) All performance ratios are annualized and are based on average balance sheet amounts, where applicable.
(5) Fully taxable equivalent considers the impact of tax advantaged investment securities and loans.
(6) Presented as projected for June 30, 2023 and actual for the remaining periods.

 

6

 

 

CONSOLIDATED BALANCE SHEETS

 

   June 30,   March 31,   December 31,   June 30, 
(in thousands)  2023   2023   2022   2022 
Assets                    
Cash and due from banks  $120,285   $121,589   $145,342   $156,470 
Short-term investments   520,315    884,973    540,013    714,547 
Total cash and cash equivalents   640,600    1,006,562    685,355    871,017 
                     
Trading securities, at fair value   6,405    6,584    6,708    7,040 
Equity securities, at fair value   12,868    13,072    12,856    14,154 
Securities available for sale, at fair value   1,340,331    1,407,271    1,423,200    1,697,019 
Securities held to maturity, at amortized cost   563,765    574,606    583,453    602,611 
Federal Home Loan Bank stock   34,714    44,245    7,219    9,365 
Total securities   1,958,083    2,045,778    2,033,436    2,330,189 
Less: Allowance for credit losses on investment securities   (71)   (71)   (91)   (94)
Net securities   1,958,012    2,045,707    2,033,345    2,330,095 
                     
Loans held for sale   8,708    1,906    4,311    1,062 
                     
Commercial real estate loans   4,315,202    4,231,510    4,095,079    3,919,678 
Commercial and industrial loans   1,464,922    1,553,340    1,473,316    1,471,446 
Residential mortgages   2,584,959    2,369,614    2,216,410    1,819,341 
Consumer loans   517,319    527,503    550,504    592,986 
Total loans   8,882,402    8,681,967    8,335,309    7,803,451 
Less: Allowance for credit losses on loans   (100,219)   (97,991)   (96,270)   (99,021)
Net loans   8,782,183    8,583,976    8,239,039    7,704,430 
                     
Premises and equipment, net   76,903    78,710    85,217    89,657 
Other intangible assets   22,074    23,279    24,483    27,046 
Other assets   593,621    571,616    587,854    550,275 
Assets held for sale   8,220    8,220    3,260    5,386 
Total assets  $12,090,321   $12,319,976   $11,662,864   $11,578,968 
                     
Liabilities and shareholders' equity                    
Non-interest bearing deposits  $2,594,528   $2,650,937   $2,852,127   $2,921,347 
NOW and other deposits   944,775    959,417    1,054,596    2,247,544 
Money market deposits   3,005,081    3,274,630    3,723,570    2,327,004 
Savings deposits   1,088,405    1,069,915    1,063,269    1,143,352 
Time deposits   2,435,618    2,112,646    1,633,707    1,475,417 
Total deposits   10,068,407    10,067,545    10,327,269    10,114,664 
                     
Federal Home Loan Bank advances   674,345    904,395    4,445    58,542 
Subordinated borrowings   121,238    121,176    121,064    195,659 
Total borrowings   795,583    1,025,571    125,509    254,201 
                     
Other liabilities   252,950    231,380    256,024    196,053 
Total liabilities   11,116,940    11,324,496    10,708,802    10,564,918 
                     
Common shareholders' equity   973,381    995,480    954,062    1,014,050 
Total shareholders' equity   973,381    995,480    954,062    1,014,050 
Total liabilities and shareholders' equity  $12,090,321   $12,319,976   $11,662,864   $11,578,968 

 

7

 

 

 

CONSOLIDATED STATEMENTS OF INCOME

 

   Three Months Ended   Six Months Ended 
   June 30,   June 30, 
(in thousands, except per share data)  2023   2022   2023   2022 
Interest income  $145,425   $87,379   $277,741   $162,202 
Interest expense   52,666    6,021    87,449    11,781 
Net interest income, non FTE   92,759    81,358    190,292    150,421 
Non-interest income                    
Deposit related fees   8,571    8,005    16,882    15,356 
Loan fees and other   3,189    1,113    5,658    6,052 
Gain on SBA loan sales   2,910    3,619    5,404    6,964 
Wealth management fees   2,583    2,775    5,322    5,400 
Other   (137)   1,812    222    4,978 
Total non-interest income excluding (losses)/gains   17,116    17,324    33,488    38,750 
Fair value adjustments on securities   (22)   (973)   212    (1,718)
Total non-interest income   17,094    16,351    33,700    37,032 
Total net revenue   109,853    97,709    223,992    187,453 
                     
Provision expense/(benefit) for credit losses   8,000    -    16,999    (4,000)
Non-interest expense                    
Compensation and benefits   39,960    37,830    79,031    75,351 
Occupancy and equipment   8,970    9,438    18,349    19,505 
Technology and communications   10,465    8,611    19,936    17,138 
Professional services   2,526    2,913    5,803    5,605 
Other expenses   12,106    9,648    22,899    19,373 
Merger, restructuring and other non-operating expenses   21    35    (15)   53 
Total non-interest expense   74,048    68,475    146,003    137,025 
Total non-interest expense excluding merger, restructuring and other   74,027    68,440    146,018    136,972 
                     
Income before income taxes  $27,805   $29,234   $60,990   $54,428 
Income tax expense   3,944    6,119    9,492    11,117 
Net income  $23,861   $23,115   $51,498   $43,311 
                     
Basic earnings per common share  $0.55   $0.50   $1.18   $0.93 
Diluted earnings per common share  $0.55   $0.50   $1.18   $0.92 
                     
Weighted average shares outstanding:                    
Basic   43,443    45,818    43,564    46,733 
Diluted   43,532    46,102    43,780    47,074 

 

8

 

 

 

CONSOLIDATED STATEMENTS OF INCOME (5 Quarter Trend)

 

   June 30,   March 31,   Dec. 31,   Sept. 30,   June 30, 
(in thousands, except per share data)  2023   2023   2022   2022   2022 
Interest income  $145,425   $132,316   $121,384   $103,671   $87,379 
Interest expense   52,666    34,783    19,292    11,587    6,021 
Net interest income, non FTE   92,759    97,533    102,092    92,084    81,358 
Non-interest income                         
Deposit related fees   8,571    8,311    8,293    8,377    8,005 
Loan fees and other   3,189    2,469    2,123    1,292    1,113 
Gain on SBA loan sales   2,910    2,494    2,979    2,551    3,619 
Wealth management fees   2,583    2,739    2,255    2,353    2,775 
Other   (137)   359    (159)   2,154    1,812 
Total non-interest income excluding (losses)/gains   17,116    16,372    15,491    16,727    17,324 
Fair value adjustments on securities   (22)   234    163    (476)   (973)
Total non-interest income   17,094    16,606    15,654    16,251    16,351 
Total net revenue   109,853    114,139    117,746    108,335    97,709 
                          
Provision expense/(benefit) for credit losses   8,000    8,999    12,000    3,000    - 
Non-interest expense                         
Compensation and benefits   39,960    39,071    37,968    39,422    37,830 
Occupancy and equipment   8,970    9,379    9,431    8,702    9,438 
Technology and communications   10,465    9,471    9,729    8,719    8,611 
Professional services   2,526    3,277    3,153    3,285    2,913 
Other expenses   12,106    10,793    12,350    10,076    9,648 
Merger, restructuring and other non-operating expenses   21    (36)   (2,617)   11,473    35 
Total non-interest expense   74,048    71,955    70,014    81,677    68,475 
Total non-interest expense excluding merger, restructuring and other   74,027    71,991    72,631    70,204    68,440 
                          
                          
Income before income taxes  $27,805   $33,185   $35,732   $23,658   $29,234 
Income tax expense   3,944    5,548    5,227    4,941    6,119 
Net income  $23,861   $27,637   $30,505   $18,717   $23,115 
                          
Diluted earnings per common share  $0.55   $0.63   $0.69   $0.42   $0.50 
                          
Weighted average shares outstanding:                         
Basic   43,443    43,693    44,105    44,700    45,818 
Diluted   43,532    44,036    44,484    45,034    46,102 

 

9

 

 

AVERAGE BALANCES AND AVERAGE YIELDS AND COSTS

 

   Quarters Ended 
   June 30, 2023   March 31, 2023   June 30, 2022 
(in millions)   Average
Balance		    Interest (1)    Average
Yield/Rate		    Average
Balance		    Interest (1)    Average
Yield/Rate		    Average
Balance		    Interest (1)    Average
Yield/Rate		 
Assets                                             
Commercial real estate   4,283    67    6.16%   4,166    61    5.88%   3,831    37    3.79%
Commercial and industrial loans   1,496    27    7.27    1,527    26    6.92    1,447    16    4.46 
Residential mortgages   2,488    24    3.87    2,283    21    3.70    1,652    15    3.57 
Consumer loans   524    9    7.28    539    10    7.24    562    8    5.41 
Total loans   8,791    127    5.77    8,515    118    5.57    7,492    75    3.99 
Securities (2)   2,236    13    2.27    2,261    13    2.23    2,621    13    1.97 
Short-term investments and loans HFS   560    7    4.94    313    3    4.24    476    1    0.57 
Total earning assets   11,587    147    5.05    11,089    134    4.85    10,589    89    3.34 
Goodwill and other intangible assets   22              24              27           
Other assets   665              692              644           
Total assets   12,274              11,805              11,260           
                                              
Liabilities and shareholders' equity                                             
Non-interest-bearing demand deposits   2,594    -    -%   2,706    -    -%   2,903    -    -%
NOW and other   1,055    4    1.35    1,456    6    1.64    1,454    -    0.12 
Money market   2,555    14    2.13    2,659    10    1.59    2,811    2    0.19 
Savings   1,077    -    0.50    1,047    -    0.10    1,127    -    0.03 
Time   2,287    18    3.07    1,808    10    2.13    1,460    2    0.64 
Total cost deposits   9,568    36    1.51    9,676    26    1.09    9,755    4    0.17 
Borrowings (3)   1,288    17    5.14    688    9    5.06    160    2    4.61 
Total funding liabilities   10,856    53    1.94    10,364    35    1.36    9,915    6    0.24 
                                              
Other liabilities   197              227              163           
Total liabilities   11,053              10,591              10,078           
                                              
Common shareholders' equity   1,221              1,214              1,182           
Total shareholders' equity   1,221              1,214              1,182           
Total liabilities and shareholders' equity   12,274              11,805              11,260           
Net interest margin, FTE             3.24              3.58              3.11 
                                              
Total average non-maturity deposits   7,281              7,868              8,295           
                                              
Supplementary data                                             
Net Interest Income, non FTE   92.759              97.533              81.358           
FTE income adjustment   1.962              1.908              1.560           
Net Interest Income, FTE   94.721              99.441              82.918           

 

 

(1) Interest income and expense presented on a fully taxable equivalent basis.

(2) Average balances for securities available-for-sale are based on amortized cost.

(3) Average balances for borrowings includes the financing lease obligation which is presented under other liabilities on the consolidated balance sheet.

 

10

 

 

ASSET QUALITY ANALYSIS

 

   June 30,   March 31,   Dec. 31,   Sept. 30,   June 30, 
(in thousands)  2023   2023   2022   2022   2022 
NON-PERFORMING ASSETS                         
Commercial real estate  $1,509   $2,546   $2,434   $2,976   $8,277 
Commercial and industrial loans   15,597    12,155    17,023    21,008    4,891 
Residential mortgages   8,728    9,442    8,612    10,407    10,331 
Consumer loans   2,565    2,848    3,045    3,463    3,385 
Total non-performing loans   28,399    26,991    31,114    37,854    26,884 
Repossessed assets   2,549    2,462    2,209    2,175    2,004 
Total non-performing assets  $30,948   $29,453   $33,323   $40,029   $28,888 
                          
Total non-performing loans/total loans   0.32%   0.31%   0.37%   0.48%   0.34%
Total non-performing assets/total assets   0.26%   0.24%   0.29%   0.35%   0.25%
                          
PROVISION AND ALLOWANCE FOR CREDIT LOSSES ON LOANS                         
Balance at beginning of period  $97,991   $96,270   $96,013   $99,021   $99,475 
Adoption of ASU No. 2022-02   -    (401)   -    -    - 
Balance after adoption of ASU No. 2022-02   97,991    95,869    96,013    99,021    99,475 
Charged-off loans   (7,686)   (7,936)   (12,995)   (7,424)   (1,593)
Recoveries on charged-off loans   1,914    1,059    1,252    1,416    1,139 
Net loans charged-off   (5,772)   (6,877)   (11,743)   (6,008)   (454)
Provision (benefit)/expense for loan credit losses   8,000    8,999    12,000    3,000    - 
Balance at end of period  $100,219   $97,991   $96,270   $96,013   $99,021 
                          
Allowance for credit losses/total loans   1.13%   1.13%   1.15%   1.21%   1.27%
Allowance for credit losses/non-performing loans   353%   363%   309%   254%   368%
                          
NET LOAN CHARGE-OFFS                         
Commercial real estate  $664   $122   $187   $(854)  $(76)
Commercial and industrial loans   (4,146)   (5,695)   (10,914)   (4,931)   (237)
Residential mortgages   (143)   305    192    122    (30)
Home equity   126    16    (128)   1    33 
Auto and other consumer   (2,273)   (1,625)   (1,080)   (346)   (144)
Total, net  $(5,772)  $(6,877)  $(11,743)  $(6,008)  $(454)
                          
Net charge-offs (QTD annualized)/average loans   0.26%   0.32%   0.58%   0.30%   0.02%
Net charge-offs (YTD annualized)/average loans   0.29%   0.32%   0.27%   0.16%   0.08%

 

DELINQUENT AND NON-PERFORMING LOANS  Balance   Percent
of Total
Loans		   Balance   Percent
of Total
Loans		   Balance   Percent
of Total
Loans		   Balance   Percent
of Total
Loans		   Balance   Percent
of Total
Loans		 
30-89 Days delinquent  $15,147    0.17%  $14,210    0.16%  $12,162    0.15%  $14,662    0.18%  $36,184    0.46%
90+ Days delinquent and still accruing   7,812    0.09%   6,937    0.08%   7,038    0.08%   6,285    0.08%   6,760    0.09%
Total accruing delinquent loans   22,959    0.26%   21,147    0.24%   19,200    0.23%   20,947    0.26%   42,944    0.55%
Non-performing loans   28,399    0.32%   26,991    0.31%   31,114    0.37%   37,854    0.48%   26,884    0.34%
Total delinquent and non-performing loans  $51,358    0.58%  $48,138    0.55%  $50,314    0.60%  $58,801    0.74%  $69,828    0.89%

 

11

 

 

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES AND SUPPLEMENTARY DATA

 

      June 30,   March 31,   Dec. 31,   Sept. 30,   June 30, 
(in thousands)     2023   2023   2022   2022   2022 
Total non-interest income     $17,094   $16,606   $15,654   $16,251   $16,351 
Adj: Fair value adjustments on securities (1)      -    -    (163)   476    973 
Total operating non-interest income (2)     $17,094   $16,606   $15,491   $16,727   $17,324 
                             
Total revenue  (A)  $109,853   $114,139   $117,746   $108,335   $97,709 
Adj: Fair value adjustments on securities (1)      -    -    (163)   476    973 
Total operating revenue (2)  (B)  $109,853   $114,139   $117,583   $108,811   $98,682 
                             
Total non-interest expense  (C)  $74,048   $71,955   $70,014   $81,677   $68,475 
Adj: Merger, restructuring and other non-operating expenses      (21)   36    2,617    (11,473)   (35)
Operating non-interest expense (2)  (D)  $74,027   $71,991   $72,631   $70,204   $68,440 
                             
Pre-tax, pre-provision net revenue (PPNR)  (A-C)  $35,805   $42,184   $47,732   $26,658   $29,234 
Operating pre-tax, pre-provision net revenue (PPNR) (2)  (B-D)   35,826    42,148    44,952    38,607    30,242 
                             
Net income     $23,861   $27,637   $30,505   $18,717   $23,115 
Adj: Fair value adjustments on securities (1)      -    -    (163)   476    973 
Adj: Restructuring expense and other non-operating expenses      21    (36)   (2,617)   11,473    35 
Adj: Income taxes (expense)/benefit      (4)   7    529    (2,738)   (561)
Total operating income (2)  (E)  $23,878   $27,608   $28,254   $27,928   $23,562 
                             
(in millions, except per share data)                            
Total average assets  (F)  $12,274   $11,805   $11,321   $11,315   $11,260 
Total average shareholders' equity  (G)   1,221    1,214    1,213    1,189    1,182 
Total average tangible shareholders' equity (2)  (H)   1,198    1,190    1,188    1,164    1,155 
Total accumulated other comprehensive (loss) net of tax, end of period      (186)   (159)   (181)   (188)   (123)
Total tangible shareholders' equity, end of period (2)  (J)   951    972    930    917    987 
Total tangible assets, end of period (2)  (L)   12,068    12,297    11,638    11,291    11,552 
                             
Total common shares outstanding, end of period (thousands)                 (M)   44,033    44,411    44,361    45,040    45,788 
Average diluted shares outstanding (thousands)  (N)   43,532    44,036    44,484    45,034    46,102 
                             
GAAP earnings per common share, diluted (2)     $0.55   $0.63   $0.69   $0.42   $0.50 
Operating earnings per common share, diluted (2)  (E/N)   0.55    0.63    0.64    0.62    0.51 
Tangible book value per common share, end of period (2)  (J/M)   21.60    21.89    20.95    20.36    21.56 
Total tangible shareholders' equity/total tangible assets (2)  (J/L)   7.88    7.91    7.99    8.12    8.54 
                             
Performance ratios (3)                            
GAAP return on equity      7.82%   9.11%   10.06%   6.30    7.82%
Operating return on equity (2)  (E/G)   7.82    9.10    9.32    9.40    7.97 
Return on tangible common equity (2)(4)      8.26    9.59    10.59    6.76    8.33 
Operating return on tangible common equity (2)(4)  (E+Q)/(H)   8.27    9.59    9.83    9.92    8.48 
GAAP return on assets      0.78    0.94    1.08    0.66    0.82 
Operating return on assets (2)  (E/F)   0.78    0.94    1.00    0.99    0.84 
Efficiency ratio (2)  (D-Q)/(B+O+R)   63.57    59.51    58.25    62.01    66.60 
                             
                             
Supplementary data (in thousands)                            
Tax benefit on tax-credit investments (5)  (O)  $2,735   $2,897   $3,068   $620   $595 
Non-interest income tax-credit investments amortization (6)  (P)   (2,210)   (2,285)   (2,355)   (445)   (351)
Net income on tax-credit investments  (O+P)   525    612    713    175    244 
                             
Intangible amortization  (Q)  $1,205   $1,205   $1,277   $1,285   $1,286 
Fully taxable equivalent income adjustment  (R)   1,962    1,908    1,845    1,715    1,560 

 

 

(1) Starting March 31, 2023, fair value adjustments on securities are included in operating income.

(2) Non-GAAP financial measure.

(3) Ratios are annualized and based on average balance sheet amounts, where applicable. Quarterly data may not sum to year-to-date data due to rounding.

(4) Amortization of intangible assets is adjusted assuming a 27% marginal tax rate.

(5) The tax benefit is the direct reduction to the income tax provision due to tax credit investments.

(6) The non-interest income amortization is the reduction to the tax-advantaged investments and are incurred as the tax credits are generated.

 

12

 

 

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES AND SUPPLEMENTARY DATA- UNAUDITED

 

      At or for the Six Months Ended 
      June 30,   June 30, 
(in thousands)     2023   2022 
Total non-interest income     $33,700   $37,032 
Adj: Fair value adjustments on securities (1)      -    1,718 
Total operating non-interest income (2)     $33,700   $38,750 
              
Total revenue  (A)  $223,992   $187,453 
Adj: Fair value adjustments on securities (1)      -    1,718 
Total operating revenue (2)  (B)  $223,992   $189,171 
              
Total non-interest expense  (C)  $146,003   $137,025 
Less: Merger, restructuring and other non-operating expenses      15    (53)
Operating non-interest expense (2)   (D)  $146,018   $136,972 
              
Pre-tax, pre-provision net revenue (PPNR)  (A-C)  $77,989   $50,428 
Operating pre-tax, pre-provision net revenue (PPNR) (2)  (B-D)   77,974    52,199 
              
Net income     $51,498   $43,311 
Adj: Fair value adjustments on securities (1)      -    1,718 
Adj: Restructuring expense and other non-operating expenses      (15)   53 
Adj: Income taxes (expense)/benefit      3    (731)
Total operating income (2)  (E)  $51,486   $44,351 
              
(in millions, except per share data)             
Total average assets  (F)  $12,040   $11,376 
Total average shareholders' equity  (G)   1,217    1,185 
Total average tangible shareholders' equity (2)  (H)   1,194    1,157 
Total accumulated other comprehensive (loss) net of tax, end of period      (186)   (123)
Total tangible shareholders' equity, end of period (2)  (J)   951    987 
Total tangible assets, end of period (2)  (L)   12,068    11,552 
              
Total common shares outstanding, end of period (thousands)                 (M)   44,033    45,788 
Average diluted shares outstanding (thousands)  (N)   43,780    47,074 
              
GAAP earnings/(loss) per common share, diluted (2)     $1.18   $0.92 
Operating earnings per common share, diluted (2)  (E/N)   1.18    0.94 
Tangible book value per common share, end of period (2)  (J/M)   21.60    21.56 
Total tangible shareholders' equity/total tangible assets (2)  (J/L)   7.88    8.54 
              
Performance ratios (3)             
GAAP return on equity      8.46%   7.31%
Operating return on equity (2)  (E/G)   8.46    7.49 
Return on tangible common equity (2)(4)      8.92    7.81 
Operating return on tangible common equity (2)(4)  (E+Q)/(H)   8.92    7.99 
GAAP return on assets      0.86    0.76 
Operating return on assets (2)  (E/F)   0.86    0.78 
Efficiency ratio (2)  (D-Q)/(B+O+R)   61.50    69.48 
Net interest margin, FTE      3.40    2.86 
              
              
Supplementary data (in thousands)             
Tax benefit on tax-credit investments (5)  (O)  $5,632   $1,191 
Non-interest income charge on tax-credit investments (6)  (P)   (4,495)   (708)
Net income on tax-credit investments  (O+P)   1,137    483 
              
Intangible amortization  (Q)  $2,410   $2,572 
Fully taxable equivalent income adjustment  (R)   3,869    3,084 

 

 

(1) Starting March 31, 2023, fair value adjustments on securities are included in operating income.

(2) Non-GAAP financial measure.

(3) Ratios are annualized and based on average balance sheet amounts, where applicable. Quarterly data may not sum to year-to-date data due to rounding.

(4) Amortization of intangible assets is adjusted assuming a 27% marginal tax rate.

(5) The tax benefit is the direct reduction to the income tax provision due to tax credit investments.

(6) The non-interest income amortization is the reduction to the tax-advantaged investments and are incurred as the tax credits are generated.

 

13

 

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Cover
Jul. 20, 2023
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Jul. 20, 2023
Entity File Number 001-15781
Entity Registrant Name BERKSHIRE HILLS BANCORP, INC.
Entity Central Index Key 0001108134
Entity Tax Identification Number 04-3510455
Entity Incorporation, State or Country Code DE
Entity Address, Address Line One 60 State Street
Entity Address, City or Town Boston
Entity Address, State or Province MA
Entity Address, Postal Zip Code 02109
City Area Code 800
Local Phone Number 773-5601
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common stock, par value $0.01 per share
Trading Symbol BHLB
Security Exchange Name NYSE
Entity Emerging Growth Company false
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