0000821127-20-000106.txt : 20200429 0000821127-20-000106.hdr.sgml : 20200429 20200429161613 ACCESSION NUMBER: 0000821127-20-000106 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20200429 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20200429 DATE AS OF CHANGE: 20200429 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BOSTON PRIVATE FINANCIAL HOLDINGS INC CENTRAL INDEX KEY: 0000821127 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 042976299 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-35070 FILM NUMBER: 20830519 BUSINESS ADDRESS: STREET 1: 10 POST OFFICE SQ CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 6175561900 MAIL ADDRESS: STREET 1: 10 POST OFFICE SQUARE CITY: BOSTON STATE: MA ZIP: 02109 FORMER COMPANY: FORMER CONFORMED NAME: BOSTON PRIVATE BANCORP INC DATE OF NAME CHANGE: 19920703 8-K 1 bpfh-20200429.htm 8-K bpfh-20200429
BOSTON PRIVATE FINANCIAL HOLDINGS INC0000821127false00008211272020-04-292020-04-29

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): April 29, 2020
Boston Private Financial Holdings, Inc.
(Exact Name of Registrant as Specified in its Charter)
Massachusetts001-3507004-2976299
(State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification Number)
Ten Post Office Square, Boston, Massachusetts 02109
(Address of principal executive offices)
(617) 912-1900
(Registrant's telephone number, including area code)
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:
 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))
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter)
 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 2.02. Results of Operations and Financial Condition.
On April 29, 2020, Boston Private Financial Holdings, Inc. (the “Company”) issued a press release announcing its financial results for the first quarter ended March 31, 2020. The text of the press release is attached hereto as Exhibit 99.1 and is incorporated by reference herein.
The information in this Current Report on Form 8-K furnished under this Item 2.02, including Exhibit 99.1 attached hereto, shall not be deemed “filed” for any purpose, including for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section. Furthermore, the information in this Current Report on Form 8-K furnished under this Item 2.02, including Exhibit 99.1 attached hereto, shall not be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act regardless of any general incorporation language in such filing.
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits.
99.1 Earnings release dated April 29, 2020.







SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunder duly authorized.
BOSTON PRIVATE FINANCIAL HOLDINGS, INC.
By:
/S/ STEVEN M. GAVEN
Name:Steven M. Gaven
Title:
Executive Vice President, Chief
Financial Officer
Date: April 29, 2020




EXHIBIT INDEX

 Exhibit
No.  Description





EX-99.1 2 a2020q1ex991profthecom.htm EXHIBIT 99.1 Document


bplogo011719a021.jpg

Boston Private Reports First Quarter 2020 Results

First Quarter 2020 Highlights include:

Net income of $0.8 million, or $0.01 per diluted share
Return on average common equity (non-GAAP) of 0.4%
Return on average tangible common equity (non-GAAP) of 0.7%
Average total deposits of $7.1 billion, a 5% increase year-over-year
Average total loans of $7.0 billion, a 2% increase year-over-year
Total assets under management/advisory (“AUM”) of $14.5 billion, a 10% decrease year-over-year
Total net flows of $150 million, $176 million of which was attributable to the Wealth Management and Trust segment
On January 1, 2020, the Company adopted the Current Expected Credit Loss ("CECL") accounting standard
Provision for credit losses of $18.8 million ($0.16 per share after tax impact), which includes $17.0 million of provision for loan loss expense and $1.8 million of Other expense for unfunded loan commitments, reflecting the impact of the COVID-19 pandemic
$12.8 million of shares repurchased, completing the remaining availability under the existing program

Boston, MA - April 29, 2020 - Boston Private Financial Holdings, Inc. (NASDAQ: BPFH) (the “Company” or “BPFH”) today reported first quarter 2020 Net income attributable to the Company of $0.8 million, compared to $21.2 million for the fourth quarter of 2019 and $19.4 million for the first quarter of 2019. First quarter 2020 Diluted earnings per share were $0.01, compared to $0.26 in the fourth quarter of 2019 and $0.25 in the first quarter of 2019.
“I am extremely proud of the commitment and dedication shown by the Boston Private employees throughout the COVID-19 pandemic,” said Anthony DeChellis, CEO of Boston Private. “Many of our employees have worked around the clock in difficult circumstances to deliver much needed capital and advice to our clients as we navigate this crisis together.
“This quarter’s results reflect the implementation of CECL and a reserve build related to the uncertain outlook of the pandemic’s impact on our economy. Before the reserve build, our Company demonstrated net interest income growth and expense discipline, while generating positive net flows in our Wealth Management & Trust business.”

Summary Financial Results - Reported
% Change
($ in millions, except for per share data)1Q204Q191Q19LQY/Y
Net income$0.8$21.2$19.4(96)%(96)%
Diluted earnings per share$0.01$0.26$0.25(96)%(96)%
Non-GAAP Financial Measures:
Pre-tax, pre-provision income$17.9$24.5$23.0(27)%(22)%
Return on average common equity ("ROACE")0.4 %10.3 %10.3 %
Return on average tangible common equity ("ROATCE")0.7 %11.5 %11.6 %
The Company's reported financial results decreased linked quarter and year-over-year primarily as a result of the total provision for credit losses of $18.8 million in the first quarter of 2020. $1.8 million of the provision for credit loss expense related to unfunded commitments was recognized as noninterest expense, which negatively impacted first quarter 2020 Pre-tax, pre-provision income.
In addition to presenting the Company’s results in conformity with GAAP, the Company uses certain non-GAAP financial measures to provide information for investors to effectively analyze financial trends of ongoing business activities, and to enhance comparability with peers across the financial sector. For additional information on non-GAAP measures, see page 5. A reconciliation of GAAP to non-GAAP results can be found beginning on page 15.
1



Summary Financial Results - Operating Basis (non-GAAP)
% Change
($ in millions, except for per share data)1Q20
4Q191
1Q192
LQY/Y
Net income$0.8$20.5$20.7(96)%(96)%
Diluted earnings per share$0.01$0.25$0.27(96)%(96)%
Pre-tax, pre-provision income$17.9$23.4$24.7(23)%(28)%
Return on average common equity0.4 %9.9 %11.0 %
Return on average tangible common equity0.7 %11.1 %12.4 %
14Q19 results adjusted to exclude the net after-tax impact of $1.1 million gain related to the revaluation of a receivable from the divestiture of Bingham, Osborn & Scarborough, LLC ("BOS")
21Q19 results adjusted to exclude the net after-tax impact of $1.6 million restructuring expense

Net Interest Income and Margin
% Change
($ in millions)1Q204Q191Q19LQY/Y
Net interest income$57.3$56.1$58.3%(2)%
Less: Interest recovered on previous nonaccrual loans—  0.3(71)%(97)%
Core net interest income (non-GAAP)$57.3$56.1$58.1%(1)%
Net interest margin2.76 %2.70 %2.90 %
Core net interest margin (non-GAAP)2.76 %2.70 %2.89 %
Net interest income for the first quarter of 2020 was $57.3 million, a 2% increase linked quarter and a 2% decrease year-over-year. The linked quarter increase was driven by lower funding costs, partially offset by lower interest on earning assets.
The Company’s Net interest margin increased 6 basis points on a linked quarter basis to 2.76% driven by higher net interest income while interest-earning assets remained generally flat. The Company's total cost of funds declined 16 basis points from 0.99% to 0.83% as a result of lower deposit costs and higher average deposit balances that replaced higher cost borrowings.
Noninterest Income
% Change
($ in millions)1Q204Q191Q19LQY/Y
Wealth management and trust fees$18.4$18.7$19.1(2)%(4)%
Investment management fees1.92.62.7(25)%(27)%
Private banking fees 3
2.6  3.5  2.6  (26)%%
Total core fees and income$22.9$24.8$24.3(8)%(6)%
Total other income(1.4) 2.0  1.0  nm  nm  
Total noninterest income$21.5$26.8$25.2(20)%(15)%
Memo: Excluding Notable Items
Wealth management and trust fees$18.4$18.7$19.1(2)%(4)%
Investment management fees1.92.62.7(25)%(27)%
Private banking fees 3
2.6  3.5  2.6  (26)%%
Total core fees and income$22.9$24.8$24.3(8)%(6)%
Total other income (non-GAAP) 4
(1.4) 0.91.0nm  nm  
Total noninterest income (non-GAAP) 4
$21.5$25.7$25.2(16)%(15)%
nm = not meaningful
3 Private banking fees includes Other banking fee income and Gain/(loss) on sale of loans, net
4 Excludes $1.1 million gain related to revaluation of a receivable from the divestiture of BOS in 4Q19
Total core fees and income for the first quarter of 2020 was $22.9 million, an 8% decrease linked quarter. The linked quarter decrease was primarily driven by lower Investment management fees and lower revenue associated with the gain on sale of loans, which was elevated during the fourth quarter of 2019 as a result of a residential loan sale.
2



Total other income of $(1.4) million during the first quarter of 2020 was negative as a result of market-related valuation adjustments on derivatives and securities related to the Company's Deferred Compensation Plan.
Assets Under Management / Advisory
% Change
($ in millions)1Q204Q191Q19LQY/Y
Wealth Management and Trust$13,497$15,224$14,564(11)%(7)%
Other 6
1,0161,5441,558(34)%(35)%
Total assets under management / advisory$14,513$16,768$16,122(13)%(10)%
6 Includes results from Dalton, Greiner, Hartman, Maher & Co, LLC ("DGHM")
Total assets under management / advisory were $14.5 billion at the end of the first quarter of 2020, a 13% decrease linked quarter and 10% decrease year-over-year. The linked quarter and year-over-year decreases were primarily driven by lower equity market values.
Total net flows were $150.0 million during the first quarter of 2020, $176.0 million of which was attributable to the Wealth Management and Trust segment.
Noninterest Expense
% Change
($ in millions)1Q204Q191Q19LQY/Y
Salaries and employee benefits$35.1$34.2$35.7%(2)%
Occupancy and equipment7.6  7.6  8.3  %(8)%
Information systems6.7  6.5  5.9  %15 %
Professional services3.6  3.9  3.6  (8)%%
Marketing and business development1.9  2.0  1.1  (6)%74 %
Amortization of intangibles0.7  0.7  0.7  %%
FDIC insurance—  —  0.7  (100)%(100)%
Restructuring—  —  1.6  — %(100)%
Other5.2  3.6  3.0  44 %75 %
Total noninterest expense$60.9$58.5$60.6%%
Memo: Excluding Notable Items
Restructuring2
—  —  1.6  nm  (100)%
Total noninterest expense (non-GAAP)$60.9$58.5$58.9%%
21Q19 results adjusted to exclude the net after-tax impact of $1.6 million restructuring expense
Total noninterest expense for the first quarter of 2020 was $60.9 million, which includes $1.8 million of provision expense related to unfunded loan commitments recognized in Other expense. Total noninterest expense increased 4% linked quarter primarily driven by the $1.8 million provision expense and seasonal compensation expense.
Total noninterest expense (non-GAAP) increased 3% year-over-year primarily driven by the $1.8 million provision expense and higher Information systems expense from new initiatives.
Income Tax Expense
The Company's effective tax rate for the first quarter of 2020 was 11.2%. This rate is lower than prior quarters of 2019 primarily because net tax benefits had a more significant impact on the effective tax rate as a result of lower levels of pre-tax income in 2020 as compared to 2019.
3



Loans and Deposits - QTD Averages
% Change
($ in millions)1Q204Q191Q19LQY/Y
Commercial and industrial$1,149$1,142$1,070%%
Commercial real estate2,5822,5622,398%%
Construction and land233217211%10 %
Residential2,8512,9352,973(3)%(4)%
Home equity868591%(5)%
Other consumer132132134— %(1)%
Total loans$7,034$7,073$6,877(1)%%
Non-interest bearing deposits2,0462,0021,975%%
Interest bearing deposits5,0614,9574,792%%
Total deposits$7,107$6,959$6,767%%
Non-interest bearing deposits as a % of Total deposits29 %29 %29 %
The average loan to average deposit ratio declined linked quarter from 101.6% to 99.0% as a result of first quarter 2020 deposit inflows and a linked quarter decline in loans, primarily driven by a residential loan sale late in the fourth quarter of 2019.
Average total loans in the first quarter of 2020 increased 2% year-over-year, primarily driven by growth in commercial real estate and commercial and industrial loans, partially offset by a decline in residential loans.
Average total deposits in the first quarter of 2020 increased 5% year-over-year, primarily driven by an increase in money market accounts and non-interest bearing deposits, partially offset by a decline in brokered certificates of deposits.
The cost of total deposits was 0.72%, a decrease of 14 basis points linked quarter and 12 basis points year-over-year.
Provision and Asset Quality
($ in millions)1Q204Q193Q192Q191Q19
Provision/(credit) for loan losses$17.0$(3.7)$0.2$1.4$(1.4)
Total net loans (charged-off)/ recovered(0.3)0.30.1(0.1)(0.1)
Total nonaccrual loans24.316.117.617.212.0
Total criticized and classified loans204.9126.0139.0141.7141.3
Total loans 30-89 days past due and accruing14.925.94.22.417.7
Ratios:
Allowance for loan losses as a % of Total loans0.97 %1.03 %1.07 %1.06 %1.07 %
Nonaccrual loans as a % of Total loans0.35 %0.23 %0.25 %0.24 %0.17 %
On January 1, 2020, the Company adopted the Current Expected Credit Loss accounting standard ("CECL"). Under this standard, the allowance for credit losses reflects expected credit losses over the life of loans and incorporates macroeconomic forecasts as well as historical loss rates. The adoption of CECL resulted in a net decrease in reserves of $19.0 million.
During the first quarter of 2020, the Company recognized a total provision for credit losses and unfunded loan commitments expense of $18.8 million, which includes a provision for loan loss expense of $17.0 million and $1.8 million for unfunded loan commitments, which is recognized as Other expense within Noninterest expense. The provision expense calculated under the CECL methodology was driven by the changes in economic projections late in the first quarter of 2020 to reflect the impact of the COVID-19 pandemic. This quarter's Provision for loan loss expense of $17.0 million compares to a provision credit of $3.7 million in the fourth quarter of 2019 and $1.4 million in the first quarter of 2019, both from the prior accounting basis.
Total net loans charged-off for the quarter was $0.3 million, compared to net loans recovered of $0.3 million in the fourth quarter of 2019 and net loans charged-off of $0.1 million in the first quarter of 2019.
4



Total nonaccrual loans as of March 31, 2020 was $24.3 million, or 35 basis points of Total loans, compared to $16.1 million, or 23 basis points of Total loans, as of December 31, 2019, and $12.0 million, or 17 basis points of Total loans, as of March 31, 2019.
Total criticized and classified loans as of March 31, 2020 was $204.9 million, an increase of $78.8 million, or 63%, linked quarter and $63.6 million, or 45%, year-over-year.
Capital
($ in millions, except for share and per share data)1Q204Q193Q192Q191Q19
Tangible common equity/ Tangible assets (non-GAAP)8.8 %8.6 %8.6 %8.4 %8.3 %
Tangible book value per share (non-GAAP)$9.31$9.02$8.90$8.71$8.47
Regulatory Capital Ratios: 7
Tier 1 common equity11.2 %11.4 %11.2 %11.2 %11.4 %
Total risk-based capital13.8 %14.1 %13.9 %13.9 %14.2 %
Tier 1 risk-based capital12.7 %13.0 %12.8 %12.7 %13.0 %
Tier 1 leverage capital9.7 %9.8 %9.7 %9.6 %9.7 %
Common Equity Repurchase Program:
Total shares of common stock repurchased1,565,060—  678,165—  —  
Average price paid per share of common stock$8.18—  $10.61—  —  
Aggregate repurchases of common stock$12.8—  $7.2—  —  
7 Current quarter information is presented based on estimated data.
During the first quarter of 2020, the Company completed the remainder of the $20.0 million share repurchase program by repurchasing $12.8 million of common stock. The Company repurchased 1,565,060 shares of common stock at an average cost of $8.18 per share during the quarter.
Tangible book value per share (non-GAAP) as of March 31, 2020 increased 3% linked quarter and 10% year-over-year to $9.31. The linked quarter and year-over year increases in Tangible book value per share were primarily driven by increased Accumulated other comprehensive income, increased Retained earnings, and the impact of the share repurchase program on total shares outstanding.
Dividend Payments
Concurrent with the release of first quarter 2020 earnings, the Board of Directors of the Company declared a cash dividend payable to common shareholders of $0.12 per share. The record date for this dividend is May 8, 2020, and the payment date is May 22, 2020.
Non-GAAP Financial Measures
The Company uses certain non-GAAP financial measures to provide information for investors to effectively analyze financial trends of ongoing business activities, and to enhance comparability with peers across the financial sector.
These non-GAAP financial measures include: return on average common equity; return on average tangible common equity; pre-tax, pre-provision income; net interest income and net interest margin excluding interest recovered on previous nonaccrual loans, also referred to as core net interest income, and core net interest margin, respectively; tangible common equity / tangible assets, total noninterest expense excluding intangibles and restructuring, if any; the efficiency ratio excluding amortization and intangibles, and restructuring, if any; net income attributable to the Company excluding notable items; net income attributable to the common shareholders, treasury stock method, excluding notable items; diluted earnings per share excluding notable items.
A detailed reconciliation table of the Company’s GAAP to non-GAAP measures is included in the tables of this release and beginning on page 15 of the attached financial statements.


5



Conference Call
Management will hold a conference call at 8:00 a.m. Eastern Time on Thursday, April 30, 2020, to discuss the financial results, business highlights and outlook. To access the call:
Dial In #: (888) 317-6003
Elite Entry Number: 6465914

Replay Information:
Available from April 30, 2020 at 12:00 p.m. Eastern Time until May 7, 2020
Dial In #: (877) 344-7529
Conference Number: 10142181

The call will be simultaneously webcast and may be accessed on www.bostonprivate.com.
6




About Boston Private
Boston Private is a leading provider of integrated wealth management, trust and banking services to individuals, families, businesses and nonprofits.
For more than 30 years, Boston Private has delivered comprehensive advice coupled with deep technical expertise to help clients simplify their lives and achieve their goals. The firm offers the capabilities of a large institution with the superior service of a boutique firm to clients across the United States. The Company has total assets of greater than $8 billion, and manages over $14 billion of client assets.
Boston Private is the corporate brand of Boston Private Financial Holdings, Inc. (NASDAQ: BPFH).
For more information, visit www.bostonprivate.com.
Forward-Looking Statements
Certain statements in this press release that are not historical facts may constitute 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, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements involve risks and uncertainties. These statements include, among others, statements regarding our strategy; evaluations of interest rate trends and future liquidity; expectations as to changes in assets, deposits and results of operations; the impact of the COVID-19 pandemic; future operations; market position and financial position; and prospects, plans and objectives of management. You should not place undue reliance on our forward-looking statements. You should exercise caution in interpreting and relying on forward-looking statements because they are subject to significant risks, uncertainties and other factors which are, in some cases, beyond the Company’s control. Forward-looking statements are based on the current assumptions and beliefs of management and are only expectations of future results. The Company’s actual results could differ materially from those projected in the forward-looking statements as a result of, among other factors, the negative impacts and disruptions of the COVID-19 pandemic and measures taken to contain its spread on our employees, customers, business operations, credit quality, financial position, liquidity and results of operations; the length and extent of the economic contraction as a result of the COVID-19 pandemic; continued deterioration in general business and economic conditions on a national basis and in the local markets in which the Company operates; changes in customer behavior due to changing business and economic conditions or legislative or regulatory initiatives; continued turbulence in the capital and debt markets; changes in interest rates; increases in loan defaults and charge-off rates; decreases in the value of securities and other assets; changes in loan loss reserves; decreases in deposit levels necessitating increased borrowing to fund loans and investments; competitive pressures from other financial institutions; operational risks including, but not limited to, cybersecurity incidents, fraud, natural disasters and future pandemics; changes in regulation; reputational risk relating to the Company’s participation in the Paycheck Protection Program and other pandemic-related legislative and regulatory initiatives and programs; risks that goodwill and intangibles recorded in the Company’s financial statements will become impaired; the risk that the Company’s deferred tax asset may not be realized; risks related to the identification and implementation of acquisitions, dispositions and restructurings; changes in assumptions used in making such forward-looking statements; and the other risks and uncertainties detailed in the Company’s Annual Report on Form 10-K and updated by the Company’s Quarterly Reports on Form 10-Q and other filings submitted to the Securities and Exchange Commission. Forward-looking statements speak only as of the date on which they are made. The Company does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made.
###
CONTACT:
Adam Bromley
(617) 912-4386
abromley@bostonprivate.com

7



BOSTON PRIVATE FINANCIAL HOLDINGS, INC.
Consolidated Balance Sheets
Unaudited ($ in thousands, except share and per share data)
 1Q204Q193Q192Q191Q19
ASSETS:
Cash and cash equivalents$61,714  $292,479  $78,010  $65,756  $96,211  
Investment securities available-for-sale993,166  978,284  935,538  966,731  981,951  
Investment securities held-to-maturity45,395  48,212  51,379  54,482  67,548  
Equity securities at fair value23,080  18,810  21,780  19,092  7,491  
Stock in Federal Home Loan Bank and Federal Reserve Bank45,273  39,078  47,756  64,453  47,053  
Loans held for sale7,671  7,386  6,658  3,640  280  
Loans7,043,338  6,976,704  7,067,151  7,080,260  6,926,968  
Less: Allowance for loan losses68,211  71,982  75,359  75,067  73,814  
Loans, net of allowance for loan losses6,975,127  6,904,722  6,991,792  7,005,193  6,853,154  
Premises and equipment, net43,544  44,527  42,658  40,244  42,938  
Goodwill57,607  57,607  57,607  57,607  57,607  
Intangible assets, net9,637  10,352  10,622  10,884  11,555  
Accrued interest receivable24,054  24,175  24,851  26,411  25,935  
Deferred income taxes, net5,630  11,383  15,704  17,183  22,844  
Right-of-use assets98,896  102,075  107,045  110,880  104,644  
Other assets355,532  291,411  299,544  270,317  252,932  
TOTAL ASSETS$8,746,326  $8,830,501  $8,690,944  $8,712,873  $8,572,143  
LIABILITIES:
Deposits$6,835,572  $7,241,476  $6,658,242  $6,437,963  $6,779,845  
Securities sold under agreements to repurchase45,319  53,398  48,860  62,372  58,329  
Federal funds purchased145,000  —  230,000  135,000  —  
Federal Home Loan Bank borrowings491,254  350,829  570,904  920,068  615,070  
Junior subordinated debentures106,363  106,363  106,363  106,363  106,363  
Lease liabilities113,574  117,214  122,799  126,740  120,162  
Other liabilities180,452  140,820  143,607  124,370  112,893  
TOTAL LIABILITIES7,917,534  8,010,100  7,880,775  7,912,876  7,792,662  
REDEEMABLE NONCONTROLLING INTERESTS (“RNCI”)—  1,383  1,481  1,786  662  
SHAREHOLDERS' EQUITY:
Common stock, $1.00 par value; authorized: 170,000,000 shares81,800  83,266  83,242  83,774  83,774  
Additional paid-in capital593,167  600,708  599,877  603,869  604,288  
Retained earnings131,761  127,469  116,210  106,443  97,155  
Accumulated other comprehensive income/(loss)22,064  7,575  9,359  4,125  (6,398) 
TOTAL SHAREHOLDERS' EQUITY828,792  819,018  808,688  798,211  778,819  
TOTAL LIABILITIES, RNCI, AND SHAREHOLDERS' EQUITY$8,746,326  $8,830,501  $8,690,944  $8,712,873  $8,572,143  

8




BOSTON PRIVATE FINANCIAL HOLDINGS, INC.
Consolidated Income Statements
Unaudited ($ in thousands, except share and per share data)
 1Q204Q193Q192Q191Q19
REVENUE:
Interest income$73,082  $75,291  $77,604  $78,728  $76,824  
Interest expense15,825  19,166  21,451  21,268  18,486  
Net interest income57,257  56,125  56,153  57,460  58,338  
Provision/(credit) for loan losses 8
16,962  (3,668) 167  1,363  (1,426) 
Net interest income after provision/(credit) for loan losses40,295  59,793  55,986  56,097  59,764  
Wealth management and trust fees 9
18,371  18,720  19,067  18,912  19,058  
Investment management fees1,925  2,554  2,496  2,455  2,650  
Private banking fee income2,490  2,924  2,658  2,867  2,499  
Gain on sale of loans, net100  557  934  58  73  
Total core fees and income22,886  24,755  25,155  24,292  24,280  
Total other income(1,365) 2,038  (29) 88  968  
TOTAL REVENUE 10
78,778  82,918  81,279  81,840  83,586  
NONINTEREST EXPENSE:
Salaries and employee benefits35,096  34,186  31,684  32,706  35,726  
Occupancy and equipment7,646  7,578  8,260  7,852  8,348  
Information systems6,725  6,476  5,169  5,137  5,860  
Professional services3,601  3,920  4,435  3,313  3,560  
Marketing and business development1,890  2,017  1,403  1,934  1,085  
Amortization of intangibles715  676  671  672  672  
FDIC insurance—  (19) 59  585  660  
Restructuring—  —  —  —  1,646  
Other 8
5,235  3,623  3,856  3,460  2,996  
TOTAL NONINTEREST EXPENSE60,908  58,457  55,537  55,659  60,553  
INCOME BEFORE INCOME TAXES908  28,129  25,575  24,818  24,459  
Provision for income taxes102  6,788  5,517  5,369  4,917  
Net income before attribution to noncontrolling interests806  21,341  20,058  19,449  19,542  
Less: Net income attributable to noncontrolling interests 97  96  69  100  
NET INCOME ATTRIBUTABLE TO THE COMPANY$800  $21,244  $19,962  $19,380  $19,442  
Adjustments, treasury stock method 11
414  98  304  (816) 1,557  
NET INCOME ATTRIBUTABLE TO COMMON SHAREHOLDERS$1,214  $21,342  $20,266  $18,564  $20,999  
COMMON SHARE DATA:
Weighted average basic shares outstanding83,005,064  83,238,982  83,631,403  83,565,780  83,285,095  
Weighted average diluted shares outstanding 12
83,318,041  83,637,786  83,956,708  84,048,972  84,010,450  
Diluted earnings per share$0.01  $0.26  $0.24  $0.22  $0.25  
8 In the first quarter of 2020, there was a $17.0 million provision expense for loan losses. Additionally, there was a $1.8 million provision expense related to the off-balance sheet commitments included in Other expenses.

9 Wealth management and trust fees consists of revenue from Boston Private Wealth LLC ("BPW"), KLS Professional Advisors Group, LLC ("KLS") through the effective date of its merger with BPW, and the trust operations of Boston Private Bank & Trust Company.

10 Total revenue is the sum of Net interest income, Total core fees and income, and Total other income.

11 Adjustments to Net income attributable to the Company to arrive at Net income attributable to common shareholders, treasury stock method, as presented in these tables, include decrease/(increase) in Noncontrolling interests redemption value.

12 For a description of the Company's policies regarding Diluted earnings per share, please refer to Part II. Item 8. “Financial Statements and Supplementary Data - Note 16: Earnings Per Share” in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019.

9




BOSTON PRIVATE FINANCIAL HOLDINGS, INC.
Consolidated Financial Highlights
Unaudited ($ in thousands, except share and per share data)
1Q204Q193Q192Q191Q19
KEY STATISTICS:
Return on average assets (non-GAAP) 12
0.04 %0.96 %0.91 %0.90 %0.93 %
ROACE (non-GAAP) 12
0.39 %10.29 %9.80 %9.83 %10.29 %
ROATCE (non-GAAP) 12
0.72 %11.51 %10.99 %11.06 %11.63 %
Efficiency ratio (non-GAAP) 12
76.4 %69.7 %67.5 %67.2 %69.7 %
Noninterest income to total revenue27.3 %32.3 %30.9 %29.8 %30.2 %
Net interest margin2.76 %2.70 %2.72 %2.78 %2.90 %
Average loan to average deposit ratio99.0 %101.6 %105.9 %106.6 %101.6 %
Cost of total deposits0.72 %0.86 %0.92 %0.88 %0.84 %
Cost of interest-bearing deposits1.02 %1.20 %1.31 %1.25 %1.19 %
Cost of total funding0.83 %0.99 %1.12 %1.11 %1.00 %
Allowance for loan loss / Total loans0.97 %1.03 %1.07 %1.06 %1.07 %
Nonperforming loans / Total loans0.35 %0.23 %0.25 %0.24 %0.17 %
Net (charge-offs)/recoveries / Total loans 12
(0.02)%0.02 %0.01 %(0.01)%— %
CAPITAL HIGHLIGHTS:
Tier 1 common equity 7
$742,044  $745,926  $732,980  $726,872  $717,138  
Tier 1 capital 7
$842,066  $846,337  $833,431  $827,299  $817,600  
Total capital 7
$914,572  $919,573  $910,076  $903,675  $892,764  
Risk-weighted assets ("RWA") 7
$6,627,338  $6,530,804  $6,533,884  $6,491,184  $6,304,444  
Average assets for leverage 7
$8,691,254  $8,659,944  $8,588,358  $8,617,803  $8,447,143  
Tier 1 common equity ratio 7
11.20 %11.42 %11.22 %11.20 %11.38 %
Tier 1 risk-based capital ratio 7
12.71 %12.96 %12.76 %12.74 %12.97 %
Total risk-based capital ratio 7
13.80 %14.08 %13.93 %13.92 %14.16 %
Tier 1 leverage capital ratio 7
9.69 %9.77 %9.70 %9.60 %9.68 %
Total equity / Total assets9.48 %9.27 %9.30 %9.16 %9.09 %
Tangible common equity / Tangible assets (non-GAAP)8.77 %8.57 %8.59 %8.44 %8.35 %
End of period market price per share$7.15  $12.03  $11.66  $12.07  $10.96  
End of period shares outstanding81,800,48683,265,67483,241,95283,774,33583,773,650
Book value per common share$10.13  $9.84  $9.71  $9.53  $9.30  
Tangible book value per share (non-GAAP)$9.31  $9.02  $8.90  $8.71  $8.47  
Common Equity Repurchase Program:
Total shares of common stock repurchased1,565,060  —  678,165  —  —  
Average price paid per share of common stock$8.18  $—  $10.61  $—  $—  
Aggregate repurchases of common stock ($ in millions)$12.8  $—  $7.2  $—  $—  
7 Current quarter capital highlights are presented based on estimated data.
12 Annualized.

10



BOSTON PRIVATE FINANCIAL HOLDINGS, INC.
Consolidated AUM and Balance Sheet - End of Period Balances
Unaudited ($ in thousands)
1Q204Q193Q192Q191Q19
ASSETS UNDER MANAGEMENT AND ADVISORY ("AUM"):
Wealth Management and Trust$13,497,000  $15,224,000  $14,695,000  $14,649,000  $14,564,000  
Other1,016,000  1,544,000  1,533,000  1,550,000  1,558,000  
TOTAL AUM$14,513,000  $16,768,000  $16,228,000  $16,199,000  $16,122,000  
AUM Rollforward:
Beginning balance $16,768,000  $16,228,000  $16,199,000  $16,122,000  $15,921,000  
Net flows150,000  (209,000) (137,000) (269,000) (963,000) 
Market (2,405,000) 749,000  166,000  346,000  1,164,000  
Ending balance$14,513,000  $16,768,000  $16,228,000  $16,199,000  $16,122,000  
AUM Net Flows:
Wealth Management and Trust$176,000  $(114,000) $(100,000) $(233,000) $(580,000) 
Other(26,000) (95,000) (37,000) (36,000) (383,000) 
TOTAL NET FLOWS$150,000  $(209,000) $(137,000) $(269,000) $(963,000) 
DEPOSITS:
Demand deposits (non-interest bearing)$2,020,440  $1,971,013  $1,947,363  $1,854,091  $2,016,838  
Savings and NOW653,006  646,199  666,107  631,166  673,954  
Money market3,468,701  3,969,330  3,366,623  3,228,608  3,302,244  
Certificates of deposit693,425  654,934  678,149  724,098  786,809  
TOTAL DEPOSITS$6,835,572  $7,241,476  $6,658,242  $6,437,963  $6,779,845  
LOANS:
Commercial and industrial$670,744  $694,034  $695,029  $656,186  $615,370  
Commercial tax exempt445,319  447,927  448,488  450,307  449,492  
Commercial real estate2,626,299  2,551,274  2,533,346  2,530,556  2,439,048  
Construction and land238,293  225,983  209,741  200,378  210,618  
Residential2,841,926  2,839,155  2,964,042  3,025,758  2,993,132  
Home equity89,350  83,657  84,432  89,930  88,620  
Consumer131,407  134,674  132,073  127,145  130,688  
TOTAL LOANS$7,043,338  $6,976,704  $7,067,151  $7,080,260  $6,926,968  



11



BOSTON PRIVATE FINANCIAL HOLDINGS, INC.
Asset Quality
Unaudited ($ in thousands)
1Q204Q193Q192Q191Q19
CHARGE-OFFS:
Loan charge-offs$(528) $(285) $(185) $(195) $(564) 
Loan recoveries180  576  310  85  492  
NET (CHARGE-OFFS)/RECOVERIES$(348) $291  $125  $(110) $(72) 
Net charge-offs to average loans (annualized)(0.02)%0.02 %0.01 %(0.01)%— %
Net (Charge-offs)/Recoveries by Loan Type:
Commercial and industrial$(473) $118  $95  $(155) $188  
Commercial tax exempt—  —  —  —  —  
Commercial real estate—  183  27  30  189  
Construction and land—  —  —  —  —  
Residential—  —  —  —  100  
Home equity132    —  (562) 
Consumer(7) (14) (3) 15  13  
NET (CHARGE-OFFS)/RECOVERIES$(348) $291  $125  $(110) $(72) 
LOAN QUALITY DATA:
Special mention loans$92,623  $52,026  $58,133  $70,677  $86,787  
Accruing classified loans 13
87,948  57,922  63,278  53,883  42,521  
Nonaccrual loans24,314  16,103  17,565  17,155  12,019  
Total classified112,262  74,025  80,843  71,038  54,540  
Criticized and classified loans$204,885  $126,051  $138,976  $141,715  $141,327  
Loans 30-89 days past due and accruing 14
$14,852  $25,945  $4,179  $2,434  $17,715  
13 Accruing classified loans include loans that are classified as substandard but are still accruing interest income. Boston Private Bank & Trust Company may classify a loan as substandard where known information about possible credit problems of the related borrowers causes management to have doubts as to the ability of such borrowers to comply with the present repayment terms and which may result in disclosure of such loans as nonaccrual at some time in the future.

14 At June 30, 2019, the Company had one loan totaling $0.9 million that was more than 90 days past due but still on accrual status. This loan originated in the New England region. The Company had no other loans outstanding more than 90 days past due but still on accrual status in comparative periods.





12




BOSTON PRIVATE FINANCIAL HOLDINGS, INC.
Average Balances, Yields, and Rates
Unaudited ($ in thousands)
Average BalanceInterest Income/ExpenseAverage Yield/Rate
1Q204Q191Q191Q204Q191Q191Q204Q191Q19
INTEREST-EARNING ASSETS
Cash and investments:
Taxable investment securities$201,174  $201,535  $244,230  $868  $869  $1,185  1.73 %1.72 %1.94 %
Non-taxable investment securities315,681  311,705  306,868  1,998  1,976  1,901  2.53 %2.54 %2.48 %
Mortgage-backed securities520,629  489,927  521,788  2,787  2,568  2,897  2.14 %2.10 %2.22 %
Short-term investments and other147,482  130,519  79,603  1,071  1,210  908  2.89 %3.65 %4.58 %
Total cash and investments1,184,966  1,133,686  1,152,489  6,724  6,623  6,891  2.27 %2.33 %2.39 %
Loans: 15
Commercial and industrial1,148,986  1,142,015  1,070,161  10,724  11,276  10,979  3.69 %3.86 %4.10 %
Commercial real estate2,582,305  2,562,380  2,398,413  27,482  28,285  28,151  4.21 %4.32 %4.69 %
Construction and land 233,324  216,754  211,351  2,572  2,588  2,641  4.36 %4.67 %5.00 %
Residential2,850,833  2,934,786  2,972,945  23,468  24,275  25,545  3.29 %3.31 %3.44 %
Home equity86,048  84,632  90,646  952  965  1,121  4.45 %4.53 %5.02 %
Other consumer132,237  132,143  133,937  1,160  1,279  1,496  3.53 %3.84 %4.53 %
Total loans7,033,733  7,072,710  6,877,453  66,358  68,668  69,933  3.75 %3.83 %4.07 %
Total earning assets8,218,699  8,206,396  8,029,942  73,082  75,291  76,824  3.54 %3.62 %3.83 %
LESS: Allowance for loan losses51,730  75,283  75,537  
Cash and due from banks49,571  48,287  46,172  
Other assets562,851  559,350  493,148  
TOTAL AVERAGE ASSETS$8,779,391  $8,738,750  $8,493,725  
INTEREST-BEARING LIABILITIES
Interest-bearing deposits: 16
Savings and NOW$638,926  $644,502  $674,872  $232  $252  $296  0.15 %0.16 %0.18 %
Money market3,753,045  3,632,258  3,341,397  9,657  11,449  10,072  1.03 %1.25 %1.22 %
Certificates of deposit668,818  680,466  775,817  2,907  3,322  3,690  1.75 %1.94 %1.93 %
Total interest-bearing deposits 16
5,060,789  4,957,226  4,792,086  12,796  15,023  14,058  1.02 %1.20 %1.19 %
Junior subordinated debentures106,363  106,363  106,363  917  966  1,121  3.41 %3.56 %4.22 %
FHLB borrowings and other455,813  591,682  615,985  2,112  3,177  3,307  1.83 %2.10 %2.15 %
Total interest-bearing liabilities 16
5,622,965  5,655,271  5,514,434  15,825  19,166  18,486  1.13 %1.34 %1.36 %
Non-interest bearing demand deposits 16
2,046,102  2,001,714  1,974,526  
Payables and other liabilities270,371  261,503  236,426  
Total average liabilities7,939,438  7,918,488  7,725,386  
Redeemable noncontrolling interests1,018  1,446  2,056  
Average shareholders’ equity838,935  818,816  766,283  
TOTAL AVERAGE LIABILITIES, RNCI, AND SHAREHOLDERS’ EQUITY$8,779,391  $8,738,750  $8,493,725  
Net interest income $57,257  $56,125  $58,338  
Interest rate spread2.41 %2.28 %2.47 %
Net interest margin2.76 %2.70 %2.90 %
Average total deposits 16
$7,106,891  $6,958,940  $6,766,612  0.72 %0.86 %0.84 %
Average total deposits and borrowings 16
$7,669,067  $7,656,985  $7,488,960  0.83 %0.99 %1.00 %
15 Average loans includes Loans held for sale and Nonaccrual loans

16 Average total deposits is the sum of Average total interest-bearing deposits and Average non-interest bearing demand deposits. Average total deposits and borrowings is the sum of Average total interest-bearing liabilities and Average non-interest bearing demand deposits.


13




BOSTON PRIVATE FINANCIAL HOLDINGS, INC.
Regional Loan Data
Unaudited ($ in thousands)
1Q204Q193Q192Q191Q19
New England$3,724,959  $3,776,747  $3,868,690  $3,957,221  $3,901,644  
Northern California1,618,668  1,532,786  1,559,569  1,538,441  1,499,626  
Southern California1,699,711  1,667,171  1,638,892  1,584,598  1,525,698  
Total loans$7,043,338  $6,976,704  $7,067,151  $7,080,260  $6,926,968  
Loans (charged-off)/recovered, net:
New England$15  $414  $275  $31  $222  
Northern California122  (10)  20  18  
Southern California(485) (113) (156) (161) (312) 
Total net loans (charged-off)/recovered$(348) $291  $125  $(110) $(72) 
Special mention loans:
New England$61,741  $21,691  $19,828  $35,235  $34,675  
Northern California5,947  5,227  4,821  10,360  23,486  
Southern California24,935  25,108  33,484  25,082  28,626  
Total special mention loans$92,623  $52,026  $58,133  $70,677  $86,787  
Accruing classified loans:
New England$50,483  $20,428  $21,830  $13,012  $15,830  
Northern California24,843  24,946  23,938  25,957  20,801  
Southern California12,622  12,548  17,510  14,914  5,890  
Total accruing classified loans$87,948  $57,922  $63,278  $53,883  $42,521  
Nonaccruing loans:
New England$11,965  $9,764  $8,999  $8,837  $6,161  
Northern California6,575  319  2,395  2,644  2,480  
Southern California5,774  6,020  6,171  5,674  3,378  
Total nonaccruing loans$24,314  $16,103  $17,565  $17,155  $12,019  
17 The concentration of the Private Banking loan data and credit quality is primarily based on the location of the lenders' regional offices.


14




BOSTON PRIVATE FINANCIAL HOLDINGS, INC.
Reconciliations of Non-GAAP Financial Measures
Unaudited ($ in thousands)
1Q204Q193Q192Q191Q19
ROACE AND ROATCE:
Net income attributable to the Company (GAAP) (A)$800  $21,244  $19,962  $19,380  $19,442  
ADD: Amortization of intangibles, net of tax565  534  530  531  531  
Tangible common net income (non-GAAP) (B)$1,365  $21,778  $20,492  $19,911  $19,973  
Total average shareholders’ equity (C)$838,935  $818,816  $807,890  $790,844  $766,283  
LESS: Average goodwill and intangibles, net(67,586) (68,031) (68,359) (68,889) (69,498) 
Average tangible common equity (non-GAAP) (D)$771,349  $750,785  $739,531  $721,955  $696,785  
ROACE (annualized) (A/C)0.39 %10.29 %9.80 %9.83 %10.29 %
ROATCE (annualized) (B/D)0.72 %11.51 %10.99 %11.06 %11.63 %
PRE-TAX, PRE-PROVISION INCOME:
Income before income taxes (GAAP)$908  $28,129  $25,575  $24,818  $24,459  
ADD BACK: Provision/ (credit) for loan losses16,962  (3,668) 167  1,363  (1,426) 
Pre-tax, pre-provision income (non-GAAP)$17,870  $24,461  $25,742  $26,181  $23,033  
CORE NET INTEREST INCOME AND MARGIN:
Net interest income (GAAP)$57,257  $56,125  $56,153  $57,460  $58,338  
LESS: Interest recovered on previous nonaccrual loans 24  180  —  258  
Net interest income, excluding interest recovered while loans on nonaccrual status ("Core net interest income") (non-GAAP)$57,250  $56,101  $55,973  $57,460  $58,080  
Net interest margin, excluding interest recovered while loans on nonaccrual status ("Core net interest margin") (non-GAAP)2.76 %2.70 %2.71 %2.78 %2.89 %
TANGIBLE COMMON EQUITY:
Total shareholders’ equity (GAAP)$828,792  $819,018  $808,688  $798,211  $778,819  
LESS: Goodwill and intangibles, net(67,244) (67,959) (68,229) (68,491) (69,162) 
Tangible common equity (non-GAAP) (A)$761,548  $751,059  $740,459  $729,720  $709,657  
Total assets (GAAP)$8,746,326  $8,830,501  $8,690,944  $8,712,873  $8,572,143  
LESS: Goodwill and intangibles, net(67,244) (67,959) (68,229) (68,491) (69,162) 
Tangible assets (non-GAAP) (B)$8,679,082  $8,762,542  $8,622,715  $8,644,382  $8,502,981  
End of period shares outstanding (C)81,800,48683,265,67483,241,95283,774,33583,773,650
Tangible common equity/ Tangible assets (non-GAAP) (A/B)8.77 %8.57 %8.59 %8.44 %8.35 %
Tangible book value per share (non-GAAP) (A/C)$9.31$9.02$8.90$8.71$8.47

15




BOSTON PRIVATE FINANCIAL HOLDINGS, INC.
Reconciliations of Non-GAAP Financial Measures
Unaudited ($ in thousands)
1Q204Q193Q192Q191Q19
RETURN ON AVERAGE ASSETS:
Net income (GAAP) (A)$800  $21,244  $19,962  $19,380  $19,442  
Average assets (non-GAAP) (B)8,779,391  8,738,750  8,665,352  8,679,506  8,493,725  
Return on average assets (annualized) (non-GAAP) (A/B)0.04 %0.96 %0.91 %0.90 %0.93 %
EFFICIENCY RATIO:
Total noninterest expense (GAAP) (A)$60,908  $58,457  $55,537  $55,659  $60,553  
LESS: Amortization of intangibles715  676  671  672  672  
LESS: Restructuring —  —  —  —  1,646  
Total noninterest expense (non-GAAP) (B)$60,193  $57,781  $54,866  $54,987  $58,235  
Net interest income (GAAP)$57,257  $56,125  $56,153  $57,460  $58,338  
Total core fees and income (GAAP)22,886  24,755  25,155  24,292  24,280  
Total other income (GAAP)(1,365) 2,038  (29) 88  968  
Total revenue (GAAP) (C)$78,778  $82,918  $81,279  $81,840  $83,586  
Efficiency ratio (GAAP) (A/C)77.3 %70.5 %68.3 %68.0 %72.4 %
Efficiency ratio, excluding amortization of intangibles and restructuring, if any (non-GAAP) (B/C)76.4 %69.7 %67.5 %67.2 %69.7 %
OTHER INCOME/(LOSS): (GAAP)
Gain/(loss) on OREO, net—  —  —  —  91  
Other(1,365) 2,038  (29) 88  877  
Total other income/(loss) (GAAP)$(1,365) $2,038  $(29) $88  $968  

16



BOSTON PRIVATE FINANCIAL HOLDINGS, INC.
Reconciliations of Non-GAAP measures: Operating Adjustments
Unaudited ($ in thousands, except share and per share data)
1Q204Q193Q192Q191Q19
NET INCOME ATTRIBUTABLE TO THE COMPANY:
Net income attributable to the Company (GAAP)$800  $21,244  $19,962  $19,380  $19,442  
LESS: Gain on fair value of contingent considerations receivable 18
—  1,109  —  —  —  
ADD: Restructuring—  —  —  —  1,646  
Tax effect at statutory rate—  322  —  —  (346) 
Net income attributable to the Company (non-GAAP)$800  $20,457  $19,962  $19,380  $20,742  
NET INCOME ATTRIBUTABLE TO COMMON SHAREHOLDERS:
Net Income Attributable to Common Shareholders (GAAP)$1,214  $21,342  $20,266  $18,564  $20,999  
LESS: Gain on fair value of contingent considerations receivable 18
—  1,109  —  —  —  
ADD: Restructuring—  —  —  —  1,646  
Tax effect at statutory rate—  322  —  —  (346) 
Net income attributable to the common shareholders, treasury stock method, excluding notable items (non-GAAP)$1,214  $20,555  $20,266  $18,564  $22,299  
Weighted average diluted shares outstanding83,318,041  83,637,786  83,956,708  84,048,972  84,010,450  
Diluted earnings per share (GAAP)$0.01  $0.26  $0.24  $0.22  $0.25  
Diluted earnings per share, excluding notable items (non-GAAP)$0.01  $0.25  $0.24  $0.22  $0.27  
Average common equity (non-GAAP)$838,935  $818,816  $807,890  $790,844  $766,283  
Average tangible common equity (non-GAAP)$771,349  $750,785  $739,531  $721,955  $696,785  
ROACE, excluding notable items (non-GAAP)0.39 %9.91 %9.80 %9.83 %10.98 %
ROATCE, excluding notable items (non-GAAP)0.72 %11.09 %10.99 %11.06 %12.38 %
Pre-tax, pre-provision income (non-GAAP)$17,870  $24,461  $25,742  $26,181  $23,033  
LESS: Gain on fair value of contingent considerations receivable 18
—  1,109  —  —  —  
ADD: Restructuring—  —  —  —  1,646  
Pre-tax, pre-provision income, excluding notable items (non-GAAP)$17,870  $23,352  $25,742  $26,181  $24,679  
18 In the fourth quarter of 2019, there was a $1.1 million gain related to the revaluation of the fair value of the estimated future cash flows related to the BOS contingent consideration receivable.

17
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Cover Page Cover Page
Apr. 29, 2020
Cover Page [Abstract]  
Document Type 8-K
Document Period End Date Apr. 29, 2020
Entity Registrant Name BOSTON PRIVATE FINANCIAL HOLDINGS INC
Entity Incorporation, State or Country Code MA
Entity File Number 001-35070
Entity Tax Identification Number 04-2976299
Entity Address, Address Line One Ten Post Office Square
Entity Address, City or Town Boston
Entity Address, State or Province MA
Entity Address, Postal Zip Code 02109
City Area Code 617
Local Phone Number 912-1900
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Entity Central Index Key 0000821127
Amendment Flag false

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