0001104659-19-057205.txt : 20191029 0001104659-19-057205.hdr.sgml : 20191029 20191029133218 ACCESSION NUMBER: 0001104659-19-057205 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20191028 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20191029 DATE AS OF CHANGE: 20191029 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: 191175769 BUSINESS ADDRESS: STREET 1: 60 STATE STREET STREET 2: 38TH FLOOR CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 617-807-8190 MAIL ADDRESS: STREET 1: 60 STATE STREET STREET 2: 38TH FLOOR CITY: BOSTON STATE: MA ZIP: 02109 8-K 1 tm1921325d1_8k.htm FORM 8-K

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): October 28, 2019

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 2.02

Results of Operations and Financial Condition

On October 28, 2019, Berkshire Hills Bancorp, Inc. (the “Company”), the holding company for Berkshire Bank (the “Bank”), announced its financial results for the quarter ended September 30, 2019. 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 October 29, 2019, 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 November 5, 2019. The webcast will be available on the Company’s website for an extended period of time.

Item 8.01

Other Events

On October 28, 2019, the Company’s Board of Directors announced the declaration of a cash dividend of $0.23 per share of Company common stock and $0.46 per share of Company Series B preferred stock to shareholders of record at the close of business on November 14, 2019 and payable on November 27, 2019.

Additionally, the Company announced that its Board of Directors has unanimously elected J. Williar Dunlaevy to serve as its Chairman, effective December 1, 2019. Mr. Dunlaevy will replace William J. Ryan as the Company’s Chairman, with Mr. Ryan remaining on the Board of Directors. A former bank CEO, Mr. Dunlaevy has served as a director since 2011 and is designated as independent and a financial expert by the Board of Directors under the rules of the Securities and Exchange Commission. The Bank has similarly elected Mr. Dunlaevy as Board Chair.

The news releases containing information regarding these matters are included as Exhibits 99.1 and 99.2.

Item 9.01

Financial 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 October 28, 2019.

99.2		News Release dated October 28, 2019

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: October 29, 2019	By:	/s/ Richard M. Marotta
		Richard M. Marotta
		President and Chief Executive Officer

EX-99.1 2 tm1921325d1_ex99-1.htm EXHIBIT 99.1

Exhibit 99.1

Berkshire Hills Reports Third Quarter Results; Dividend Declared

BOSTON, October 28, 2019 - Berkshire Hills Bancorp, Inc. (NYSE: BHLB) reported third quarter 2019 GAAP net income of $23 million, or $0.44 per share, compared to $25 million, or $0.52 per share, in the prior quarter. The non-GAAP measure of core earnings totaled $24 million, or $0.46 per share, compared to $32 million, or $0.65 per share, in the prior quarter. Non-core earnings are net of discontinued operations and merger charges which in 2019 were related to the May 17 acquisition of SI Financial Group, Inc. Third quarter results included a $16 million loan loss provision ($0.23 per share after tax) related to the full charge-off of a commercial loan which defaulted in September due to potential fraud. Before this loan charge, core EPS increased to $0.69 from $0.65 in the prior quarter due to improved revenue and efficiency.

THIRD QUARTER FINANCIAL HIGHLIGHTS (income statement metrics are compared to the prior quarter):

8% increase in net revenue from continuing operations

3.22% net interest margin, increased from 3.19%

17% increase in fee income from continuing operations

53.4% efficiency ratio, improved from 56.4%

0.28% non-performing assets/assets

CEO Richard Marotta stated, “We made good progress with our initiatives in the third quarter. Revenue grew strongly, including the benefit of a full quarter of SI Financial operations, an improved margin, and good fee income gains. Expense initiatives contributed to improved efficiency. Income declined due to a charge-off of a $16 million commercial loan which defaulted in September as a result of potential borrower fraud. Credit performance has otherwise remained solid. Liquidity and capital measures continued to strengthen, and our per share measures of book value and tangible book value improved over the prior quarter.”

Mr. Marotta continued, “We also announced that J. Williar (“Bill”) Dunlaevy was elected as Chair of the Board effective December 1, 2019. Our current Chair, William J. Ryan, is stepping down from that role due to health reasons, but will remain active on the Board. I’m grateful to Bill Ryan for his leadership and insights built over his successful and prominent banking career. As a career banker, Bill Dunlaevy will provide important insights as we move forward in building a 21^st century community bank with a strong focus on maximizing the business benefits of expanding our operations and customer base to be more diverse and inclusive.”

Mr. Marotta concluded, “During the third quarter, we introduced our Friends and Family Fund CD aimed at helping entrepreneurs of color access the seed capital they need in order to launch the businesses of their dreams. We also made progress in developing our storefront initiative and expect to have more announcements about that program before year-end. We completed the systems conversion of our acquired SI Financial operations early in October and expect to complete the merger integration on plan and within budget by the end of the year. Our combined teams are well positioned to deliver the benefits of this merger as we move forward into 2020.”

DIVIDEND DECLARED

The Board of Directors approved a quarterly cash dividend of $0.23 per common share to shareholders of record at the close of business on November 14, 2019 and payable on November 27, 2019. The dividend equates to a 3.0% annualized yield based on the $30.44 average closing price of Berkshire Hills Bancorp common stock during the third quarter of 2019. Effective on the same dates, the Board also approved a quarterly cash dividend on preferred stock totaling $0.46 per share.

FINANCIAL CONDITION

Total assets were $13.5 billion at September 30, 2019. Total loans decreased by 2% during the quarter, including targeted runoff of indirect auto loans and accelerated prepayments of residential mortgages resulting from a dip in mortgage interest rates. Approximately $50 million in acquired or syndicated non-relationship commercial balances were released. The Company continues to hold its $169 million commercial aircraft portfolio for sale. The 0.28% ratio of nonperforming assets to assets remained below the 0.30% ratio reported a year ago. Accruing delinquent loans were 0.55% of loans, remaining below the 0.60% year-ago ratio. The ratio of the loan loss allowance to total loans decreased to 0.64% from 0.66% over this time.

Total deposits decreased by 1% during the quarter due to a $53 million decrease in overnight payroll related balances and a targeted decrease of approximately $100 million in wholesale brokered deposits. Leverage and liquidity ratios improved. Book value per share increased by $0.31 to $34.36 and the non-GAAP measure of tangible book value per share increased by $0.17 to $22.42. During the third quarter, the Company repurchased 800 thousand shares of common stock at an average purchase price of $30.48 per share.

RESULTS OF OPERATIONS

GAAP earnings were $0.44 per share in the most recent quarter, compared to $0.52 per share in the prior quarter. Earnings per share were reduced by $0.23 due to the charge-off of the aforementioned $16 million loan which was partially offset by a $0.08 per share reduction in after-tax merger related expenses. Many measures of revenue and expense, as well as average diluted shares, increased over the prior quarter due to the full quarter impact of the SI Financial operations acquired for stock on May 17, 2019.

The non-GAAP measure of core earnings totaled $0.46 per share in the most recent quarter. This measure is reconciled to GAAP earnings on pages F-9 and F-10 of the financial tables. Core EPS totaled $0.65 in the prior quarter. In the most recent quarter, core earnings totaled $0.69 per share before the $0.23 net impact of the $16 million aforementioned loan charge-off. Third quarter results benefited from higher revenues and improved efficiency. The primary non-core items in the third quarter were SI Financial merger related charges and operating earnings of the national mortgage banking operations which are deemed held for sale and classified as discontinued.

Net revenue from continuing operations increased by 8% compared to the prior quarter, including a 6% increase in net interest income and a 17% increase in fee income. Interest income benefited from a full quarter of SI Financial earning assets, as well as an increase in the net interest margin to 3.22% from 3.19%. As a result of lower interest rates and reduced wholesale funds, the Company’s funding costs decreased quarter-over-quarter to 1.32% from 1.41%. The total margin benefit from purchase accounting was 0.16% compared to 0.11% in the second quarter.

Fee income increased by $3 million quarter-over-quarter as a result of volume gains in several areas. Loan related fee income increased by $2 million including higher commercial interest rate swap fees and higher SBA loan sale gains. For the SBA fiscal year ended September 30, Berkshire’s team ranked as the 18^th largest lender in the country for SBA 7A loan originations, advancing from 28^th position last year. Deposit fee income increased quarter-over-quarter by $1 million including income from acquired SI Financial operations.

The provision for loan losses increased to $22.6 million in the most recent quarter, compared to $3.5 million in the prior quarter. This increase included $16 million provided for the previously mentioned charge-off, together with a write-down of a nonperforming commercial real estate loan which was disclosed in prior periods.

Total non-interest expense from continuing operations decreased quarter-over-quarter by $6 million, due to a $6 million reduction in merger related expenses. Net of merger and other non-core charges, the non-GAAP measure of core expense increased quarter-over-quarter by $1 million, or 2%. A $1.9 million rebate of FDIC premiums benefited expense by 3% during the quarter. The positive operating leverage driven by the 8% revenue increase resulted in an improvement in the efficiency ratio to 53.4% from 56.4% quarter-over quarter. With the completion of the SI Financial systems integration in early October on time and on plan, the Company is expecting to complete its targeted merger related cost saves by year-end. Full-time equivalent staff in continuing operations totaled 1,594 positions at period-end, compared to 1,621 at the start of the quarter. The effective tax rate was 17% in the third quarter, down from 18% in the prior quarter, due to the decrease in taxable income.

The FCLS national mortgage banking operations contributed $0.04 in non-core EPS in the most recent quarter, compared to $0.03 in the prior quarter. Mortgage banking fees totaled $15 million in the quarter, which was up 14% over the prior quarter and 63% year-over-year. The company generated $1.1 billion in residential mortgages in the most recent quarter. Due to the decision to sell the FCLS operations, they are accounted for as discontinued in the financial statements, and most references to revenue and expense refer to continuing operations and exclude FCLS revenue and expense.

BE FIRST PROGRAM UPDATE

Expanding our base of commercial and individual customers. Including our new SI Financial operations, Berkshire has a strong geographic footprint throughout the Northeast. This footprint provides an array of diverse market demographics which provide significant opportunity for expansion. Berkshire Bank is pursuing a number of initiatives to increase market share among demographics that have typically been left behind by traditional banks (and their products/services), with a particular focus on African Americans and Latinos.

Pilot Projects to support minority business enterprises. Berkshire Bank is creating storefronts in traditionally minority communities/downtown areas to provide access to working space, business advice and financial products. The first storefront is being developed in Roxbury, MA and there are plans to expand these storefronts in our footprint and selectively in adjacent markets. In the third quarter, the Bank launched the “Friends and Family” fund in coordination with the Runway Project to provide seed capital to minority business enterprises funded by CD products offered for this purpose. The Bank is also taking a leadership role in the Boston area Business Equity Fund, which provides rigorously vetted traditional loan products to minority business enterprises that have participated in the existing Business Equity Initiative.

Efforts to better connect Berkshire Bank to minority communities. The Bank is sponsoring and actively participating in community-based events, including the Dimock Community Health Center (Stepping Out), NAACP (Freedom Fund Dinner), LGBT Chamber, Union Chapel Speaker series, and the Black Economic Alliance.

Enhancing diversity, equity and inclusion initiatives within Berkshire Bank. The Bank is focusing on bank products, services and operations that are conducted in a way that draws minority customers. The Bank is participating in the CEO Action for Diversity and Inclusion. Earlier this year, the Bank launched its Be FIRST values program, which is being enhanced throughout the year.

INVESTOR CONFERENCE CALL

Berkshire will conduct a conference call/webcast at 10:00 a.m. eastern time on Tuesday, October 29, 2019 to discuss the results for the quarter and provide guidance about expected future results. Participants are encouraged to pre-register for the conference call using the following link: http://dpregister.com/10135510. Callers who pre-register will be given dial-in instructions and a unique PIN to gain immediate access to the call. Participants may pre-register at any time prior to the call, and will immediately receive simple instructions via email. Additionally, participants may reach the registration link and access the webcast by logging in through the investor section of our website at http://ir.berkshirebank.com. Those parties who do not have internet access or are otherwise unable to pre-register for this event, may still participate at the above time by dialing 1-844-792-3726 and asking the Operator to join the Berkshire Hills Bancorp (BHLB) earnings call. A telephone replay of the call will be available through Tuesday, November 5, 2019 by dialing 877-344-7529 and entering access number 10135510. The webcast will be available on Berkshire's website for an extended period of time.

BACKGROUND

Berkshire Hills Bancorp is the parent of Berkshire Bank which is transforming into a 21^st century community bank with a culture of belonging. Headquartered in Boston, Berkshire operates 132 banking offices in seven Northeastern states, with approximately $13.5 billion in assets.

FORWARD LOOKING STATEMENTS

This document contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. There are several 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. Berkshire does not undertake any obligation to update forward-looking statements.

NON-GAAP FINANCIAL MEASURES

This document contains certain non-GAAP financial measures in addition to results presented in accordance with Generally Accepted Accounting Principles (“GAAP”). These non-GAAP measures provide supplemental perspectives on operating results, performance trends, and financial condition. They are not a substitute for GAAP measures; they should be read and used in conjunction with the Company’s GAAP financial information. A reconciliation of non-GAAP financial measures to GAAP measures is included on pages F-9 and F-10 in the accompanying financial tables. In all cases, it should be understood that non-GAAP per share measures do not depict amounts that accrue directly to the benefit of shareholders.

The Company utilizes the non-GAAP measure of core earnings in evaluating operating trends, including components for core revenue and expense. These measures exclude items which the Company does not view as related to its normalized operations. These items primarily include securities gains/losses, merger costs, restructuring costs, and discontinued operations. Merger costs consist primarily of severance/benefit related expenses, contract termination costs, systems conversion costs, variable compensation expenses, and professional fees. Merger costs in 2018 and 2019 are primarily related to the acquisitions of Commerce Bancshares Corp. and SI Financial Group. Restructuring costs generally consist of costs and losses associated with the disposition of assets and liabilities and lease terminations, including costs related to branch sales. Restructuring costs also include severance and consulting expenses related to the Company’s strategic review. Discontinued operations are the Company’s national mortgage banking operations for which the Company is pursuing sale opportunities. In 2018, the Company recorded $8 million in charges related to the restructuring of banking systems vendor relationships. The Company recorded a $3 million cost in 2018 for the settlement of an existing legal proceeding with a plaintiff claiming to be representing a class of depositors. Non-core charges in 2018 also included a $1.5 million net charge related to the CEO transition.

Non-core adjustments are presented net of an adjustment for income tax expense. This adjustment is determined as the difference between the GAAP tax rate and the effective tax rate applicable to core income. The efficiency ratio is adjusted for non-core revenue and expense items and for tax preference items. The Company also calculates measures related to tangible equity, which adjust equity (and assets where applicable) to exclude intangible assets due to the importance of these measures to the investment community.

###

CONTACTS

Investor Relations Contact

David Gonci; Capital Markets Director; 413-281-1973

Media Contact

Diana Pisciotta; Communications Contact; 617-784-5256

TABLE INDEX	CONSOLIDATED UNAUDITED FINANCIAL SCHEDULES
F-1	Selected Financial Highlights
F-2	Balance Sheets
F-3	Loan and Deposit Analysis
F-4	Statements of Income
F-5	Statements of Operations (Five Quarter Trend)
F-6	Average Yields and Costs
F-7	Average Balances
F-8	Asset Quality Analysis
F-9	Reconciliation of Non-GAAP Financial Measures and Supplementary Data (Five Quarter Trend)
F-10	Reconciliation of Non-GAAP Financial Measures and Supplementary Data (Year-to-Date)

BERKSHIRE HILLS BANCORP, INC.

SELECTED FINANCIAL HIGHLIGHTS - UNAUDITED - (F-1)

	At or for the Quarters Ended (1)
	Sept. 30,			June 30,			March 31,			Dec. 31,			Sept. 30,
	2019			2019 (2)			2019			2018			2018
PER SHARE DATA
Net earnings per common share, diluted	$	0.44		$	0.52		$	0.51		$	0.31		$	0.70
Core earnings per common share, diluted (3)		0.46			0.65			0.60			0.69			0.72
Total book value per common share		34.36			34.05			33.75			33.30			32.84
Tangible book value per common share (3)		22.42			22.25			21.66			21.15			20.68
Market price at period end		29.29			31.39			27.24			26.97			40.70
Dividends per common share		0.23			0.23			0.23			0.22			0.22
Dividends per preferred share		0.46			0.46			0.46			0.44			0.44

PERFORMANCE RATIOS (4)
Return on assets		0.67	%		0.79	%		0.78	%		0.47	%		1.08	%
Core return on assets (3)		0.71			1.01			0.92			1.07			1.12
Return on equity		5.12			6.07			5.97			3.61			8.27
Core return on equity (3)		5.35			7.67			7.00			8.09			8.49
Core return on tangible common equity (3)		8.74			12.21			11.44			13.21			14.02
Net interest margin, fully taxable equivalent (FTE) (5)(6)		3.22			3.19			3.17			3.41			3.32
Fee income/Net interest and fee income from continuing operations		17.61			16.20			17.56			15.59			18.06
Efficiency ratio (3)		53.37			56.41			59.54			54.88			52.20

GROWTH (Year-to-date)
Total commercial loans (organic, annualized)		(9	)%		(10	)%		(3	)%		6	%		5	%
Total loans (organic, annualized)		(9	)		(9	)		(4	)		9			10
Total deposits (organic, annualized)		2			6			8			3			0
Total net revenues from continuing operations (compared to prior year)		4			1			3			17			22
Earnings per common share (compared to prior year)		(26	)		(20	)		(7	)		65			28
Core earnings per common share (compared to prior year)(3)		(18	)		(9	)		(8	)		32			37

FINANCIAL DATA (in millions)
Total assets	$	13,532		$	13,653		$	12,173		$	12,212		$	12,030
Total earning assets		12,174			12,343			11,039			11,140			10,957
Total securities		1,861			1,905			1,881			1,919			1,918
Total loans		9,719			9,942			8,947			9,043			8,905
Allowance for loan losses		62			62			62			61			58
Total intangible assets		602			603			551			552			553
Total deposits		10,423			10,566			9,166			8,982			8,766
Total shareholders' equity		1,772			1,779			1,577			1,553			1,532
Net income		22.6			25.4			23.6			14.3			32.2
Core income (3)		23.7			32.1			27.7			32.0			33.1
Purchase accounting accretion		4.8			3.2			1.3			8.2			4.6

ASSET QUALITY AND CONDITION RATIOS
Net charge-offs (current quarter annualized)/average loans		0.92	%		0.14	%		0.15	%		0.17	%		0.19	%
Total non-performing assets/total assets		0.28			0.27			0.26			0.28			0.30
Allowance for loan losses/total loans		0.64			0.63			0.69			0.68			0.66
Loans/deposits		93			94			98			101			102
Shareholders' equity to total assets		13.10			13.03			12.95			12.72			12.74
Tangible shareholders' equity to tangible assets (3)		9.05			9.01			8.83			8.59			8.53

(1)	Reconciliations of non-GAAP financial measures, including all references to core and tangible amounts, appear on pages F-9 and F-10.
(2)	The Company acquired SI Financial Group, Inc. on May 17, 2019.
(3)	Non-GAAP financial measure. Core measurements are non-GAAP financial measures that are adjusted to exclude net non-core charges primarily related to acquisitions and restructuring activities. See pages F-9 and F-10 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)	The effect of purchase accounting accretion for loans, time deposits, and borrowings on the quarterly net interest margin was an increase in all quarters, which is shown sequentially as follows beginning with the most recent quarter and ending with the earliest quarter: 0.16%, 0.11%, 0.05%, 0.30%, 0.17%.

F-1

BERKSHIRE HILLS BANCORP, INC.

CONSOLIDATED BALANCE SHEETS - UNAUDITED - (F-2)

	September 30,			June 30,			December 31,
(in thousands)	2019			2019			2018
Assets
Cash and due from banks	$	121,629		$	100,588		$	100,972
Short-term investments		180,466			128,718			82,217
Total cash and short-term investments		302,095			229,306			183,189

Trading security		11,145			11,210			11,212
Marketable equity securities, at fair value		59,596			59,578			56,638
Securities available for sale, at fair value		1,369,604			1,410,078			1,399,647
Securities held to maturity, at amortized cost		364,675			364,463			373,763
Federal Home Loan Bank stock and other restricted securities		56,049			59,356			77,344
Total securities		1,861,069			1,904,685			1,918,604

Loans held for sale		204,900			184,810			2,183

Commercial real estate loans		4,028,461			4,005,347			3,400,221
Commercial and industrial loans		1,845,086			1,987,297			1,980,046
Residential mortgages		2,838,657			2,882,380			2,566,424
Consumer loans		1,006,437			1,066,804			1,096,562
Total loans		9,718,641			9,941,828			9,043,253
Less: Allowance for loan losses		(62,230	)		(62,156	)		(61,469	)
Net loans		9,656,411			9,879,672			8,981,784

Premises and equipment, net		123,195			121,619			106,500
Other real estate owned		-			154			-
Goodwill		554,704			554,704			518,325
Other intangible assets		47,198			48,724			33,418
Cash surrender value of bank-owned life insurance		227,085			227,458			190,609
Deferred tax asset, net		49,543			51,118			42,434
Other assets		263,464			238,950			120,926
Assets from discontinued operations		242,279			212,745			114,259
Total assets	$	13,531,943		$	13,653,945		$	12,212,231

Liabilities and shareholders' equity
Demand deposits	$	1,887,621		$	1,827,016		$	1,603,019
NOW and other deposits		1,267,057			997,685			1,122,321
Money market deposits		2,478,947			2,811,158			2,245,195
Savings deposits		831,972			848,699			724,129
Time deposits		3,957,721			4,081,398			3,287,717
Total deposits		10,423,318			10,565,956			8,982,381

Senior borrowings		904,149			904,814			1,428,298
Subordinated borrowings		96,991			96,927			89,518
Total borrowings		1,001,140			1,001,741			1,517,816

Other liabilities		301,647			280,155			149,519
Liabilities from discontinued operations		33,614			26,256			9,597
Total liabilities		11,759,719			11,874,108			10,659,313

Preferred shareholders' equity		40,633			40,633			40,633
Common shareholders' equity		1,731,591			1,739,204			1,512,285
Total shareholders' equity		1,772,224			1,779,837			1,552,918
Total liabilities and shareholders' equity	$	13,531,943		$	13,653,945		$	12,212,231

Net common shares outstanding		50,394			51,045			45,417

F-2

BERKSHIRE HILLS BANCORP, INC.

CONSOLIDATED LOAN & DEPOSIT ANALYSIS - UNAUDITED - (F-3)

LOAN ANALYSIS

									Organic Annualized Growth % (1)
(in millions)	September 30, 2019 Balance		June 30, 2019 Balance		Acquired Savings Institute Balances (2)		December 31, 2018 Balance		Quarter ended September 30, 2019			Year to Date
Total commercial real estate	$	4,029	$	4,006	$	624	$	3,400		2	%		0	%
Commercial and industrial loans		1,845		1,987		244		1,980		(29	)		(26	)
Total commercial loans		5,874		5,993		868		5,380		(8	)		(9	)

Total residential mortgages		2,839		2,882		375		2,566		(6	)		(5	)

Home equity		394		404		58		377		(10	)		(15	)
Auto and other		612		663		2		720		(31	)		(20	)
Total consumer loans		1,006		1,067		60		1,097		(23	)		(18	)
Total loans	$	9,719	$	9,942	$	1,303	$	9,043		(9	)%		(9	)%

(1) Non-GAAP financial measure.

(2) The acquired balances for Savings Institute are as of May 17, 2019.

DEPOSIT ANALYSIS

									Organic Annualized Growth % (1)
(in millions)	September 30, 2019 Balance		June 30, 2019 Balance		Acquired Savings Institute Balances (2)		December 31, 2018 Balance		Quarter ended September 30, 2019			Year to Date
Demand	$	1,887	$	1,827	$	258	$	1,603		13	%		2	%
NOW and other		1,267		998		138		1,122		108			1
Money market		2,479		2,811		190		2,245		(47	)		3
Savings		832		849		164		724		(8	)		(10	)
Time deposits		3,958		4,081		585		3,288		(12	)		3
Total deposits	$	10,423	$	10,566	$	1,335	$	8,982		(5	)%		2	%

(1) Non-GAAP financial measure.

(2) The acquired balances for Savings Institute are as of May 17, 2019.

F-3

BERKSHIRE HILLS BANCORP, INC.

CONSOLIDATED STATEMENTS OF INCOME - UNAUDITED - (F-4)

	Three Months Ended					Nine Months Ended
	September 30,					September 30,
(in thousands, except per share data)	2019		2018			2019		2018
Interest and dividend income from continuing operations
Loans	$	118,371	$	102,651		$	338,012	$	294,646
Securities and other		15,354		14,918			46,060		44,553
Total interest and dividend income		133,725		117,569			384,072		339,199
Interest expense from continuing operations
Deposits		31,501		21,460			86,396		54,553
Borrowings		5,353		7,724			23,751		21,212
Total interest expense		36,854		29,184			110,147		75,765
Net interest income from continuing operations		96,871		88,385			273,925		263,434
Non-interest income from continuing operations
Mortgage banking originations		292		15			616		487
Loan related income		6,493		7,246			17,318		18,068
Deposit related fees		8,705		7,004			23,088		22,675
Insurance commissions and fees		2,895		2,930			8,486		8,504
Wealth management fees		2,325		2,283			7,114		7,160
Total fee income		20,710		19,478			56,622		56,894
Other		609		468			1,363		1,891
Securities gains/(losses), net		87		88			2,655		(696	)
Gain on sale of business operations and assets, net		-		-			-		460
Total non-interest income		21,406		20,034			60,640		58,549
Total net revenue from continuing operations		118,277		108,419			334,565		321,983
Provision for loan losses		22,600		6,628			30,068		18,735
Non-interest expense from continuing operations
Compensation and benefits		37,272		31,746			105,551		99,092
Occupancy and equipment		9,893		9,145			28,788		27,561
Technology and communications		6,849		7,507			19,821		21,044
Marketing and promotion		1,006		1,167			3,428		3,473
Professional services		2,282		1,481			8,510		4,041
FDIC premiums and assessments		-		1,640			3,390		4,246
Other real estate owned and foreclosures		150		(1	)		150		67
Amortization of intangible assets		1,526		1,218			4,201		3,732
Merger, restructuring and other expense		4,163		198			22,333		6,138
Other		7,870		5,526			23,398		17,126
Total non-interest expense		71,011		59,627			219,570		186,520

Income from continuing operations before income taxes	$	24,666	$	42,164		$	84,927	$	116,728
Income tax expense		4,007		9,095			16,042		24,577
Net income from continuing operations	$	20,659	$	33,069		$	68,885	$	92,151

Income/(loss) from discontinued operations before income taxes	$	2,747	$	(1,147	)	$	3,975	$	(883	)
Income tax expense/(benefit)		790		(305	)		1,161		(238	)
Net income/(loss) from discontinued operations	$	1,957	$	(842	)	$	2,814	$	(645	)

Net income	$	22,616	$	32,227		$	71,699	$	91,506
Preferred stock dividend		240		230			720		689
Income available to common shareholders	$	22,376	$	31,997		$	70,979	$	90,817

Basic earnings per common share:
Continuing Operations	$	0.40	$	0.72		$	1.41	$	2.00
Discontinued Operations		0.04		(0.02	)		0.06		(0.01	)
Total	$	0.44	$	0.70		$	1.47	$	1.99

Diluted earnings per common share:
Continuing Operations	$	0.40	$	0.72		$	1.40	$	1.99
Discontinued Operations		0.04		(0.02	)		0.06		(0.01	)
Total	$	0.44	$	0.70		$	1.46	$	1.98

Weighted average shares outstanding:
Basic		51,422		46,030			48,846		46,009
Diluted		51,545		46,263			48,987		46,226

F-4

BERKSHIRE HILLS BANCORP, INC.

CONSOLIDATED STATEMENTS OF OPERATIONS (5 Quarter Trend) - UNAUDITED - (F-5)

	Sept. 30,		June 30,			March 31,			Dec. 31,			Sept. 30,
(in thousands, except per share data)	2019		2019			2019			2018			2018
Interest and dividend income from continuing operations
Loans	$	118,371	$	113,990		$	105,651		$	111,576		$	102,651
Securities and other		15,354		15,248			15,458			15,119			14,918
Total interest and dividend income		133,725		129,238			121,109			126,695			117,569
Interest expense from continuing operations
Deposits		31,501		28,273			26,622			23,811			21,460
Borrowings		5,353		9,370			9,028			10,118			7,724
Total interest expense		36,854		37,643			35,650			33,929			29,184
Net interest income from continuing operations		96,871		91,595			85,459			92,766			88,385
Non-interest income from continuing operations
Mortgage banking originations		292		278			46			148			15
Loan related income		6,493		4,822			6,003			5,087			7,246
Deposit related fees		8,705		7,525			6,858			7,131			7,004
Insurance commissions and fees		2,895		2,738			2,853			2,479			2,930
Wealth management fees		2,325		2,348			2,441			2,287			2,283
Total fee income		20,710		17,711			18,201			17,132			19,478
Other		609		(216	)		970			1,666			468
Securities gains/(losses), net		87		17			2,551			(3,023	)		88
(Loss) on sale of business operations and assets, net		-		-			-			-			-
Total non-interest income		21,406		17,512			21,722			15,775			20,034
Total net revenue from continuing operations		118,277		109,107			107,181			108,541			108,419
Provision for loan losses		22,600		3,467			4,001			6,716			6,628
Non-interest expense from continuing operations
Compensation and benefits		37,272		34,779			33,500			34,927			31,746
Occupancy and equipment		9,893		9,449			9,446			9,366			9,145
Technology and communications		6,849		6,715			6,257			6,103			7,507
Marketing and promotion		1,006		1,155			1,267			1,224			1,167
Professional services		2,282		3,953			2,275			3,302			1,481
FDIC premiums and assessments		-		1,751			1,639			1,488			1,640
Other real estate owned and foreclosures		150		(2	)		2			1			(1	)
Amortization of intangible assets		1,526		1,475			1,200			1,202			1,218
Merger, restructuring and other expense		4,163		11,155			7,015			16,006			198
Other		7,870		6,138			9,390			6,754			5,526
Total non-interest expense		71,011		76,568			71,991			80,373			59,627

Income from continuing operations before income taxes	$	24,666	$	29,072		$	31,189		$	21,452		$	42,164
Income tax expense		4,007		5,118			6,917			4,384			9,095
Net income from continuing operations	$	20,659	$	23,954		$	24,272		$	17,068		$	33,069

Income/(loss) from discontinued operations before income taxes	$	2,747	$	2,082		$	(854	)	$	(3,884	)	$	(1,147	)
Income tax expense/(benefit)		790		588			(217	)		(1,075	)		(305	)
Net income/(loss) from discontinued operations	$	1,957	$	1,494		$	(637	)	$	(2,809	)	$	(842	)

Net income	$	22,616	$	25,448		$	23,635		$	14,259		$	32,227
Preferred stock dividend		240		240			240			229			230
Income available to common shareholders	$	22,376	$	25,208		$	23,395		$	14,030		$	31,997


Basic earnings per common share:
Continuing Operations	$	0.40	$	0.49		$	0.52		$	0.37		$	0.72
Discontinued Operations		0.04		0.03			(0.01	)		(0.06	)		(0.02	)
Total	$	0.44	$	0.52		$	0.51		$	0.31		$	0.70

Diluted earnings per common share:
Continuing Operations	$	0.40	$	0.49		$	0.52		$	0.37		$	0.72
Discontinued Operations		0.04		0.03			(0.01	)		(0.06	)		(0.02	)
Total	$	0.44	$	0.52		$	0.51		$	0.31		$	0.70

Weighted average shares outstanding:
Basic		51,422		48,961			46,113			46,061			46,030
Diluted		51,545		49,114			46,261			46,240			46,263

F-5

BERKSHIRE HILLS BANCORP, INC.

AVERAGE YIELDS AND COSTS (Fully Taxable Equivalent - Annualized) - UNAUDITED - (F-6)

	Quarters Ended
	Sept. 30,			June 30,			March 31,			Dec. 31,			Sept. 30,
	2019			2019			2019			2018			2018
Earning assets
Loans:
Commercial real estate		4.92	%		5.01	%		4.91	%		5.40	%		4.67	%
Commercial and industrial loans		5.58			5.79			5.83			5.97			6.22
Residential mortgages		3.73			3.74			3.74			3.72			3.66
Consumer loans		4.55			4.52			4.45			4.52			4.27
Total loans		4.67			4.76			4.73			4.94			4.66
Securities		3.41			3.38			3.46			3.34			3.32
Short-term investments and loans held for sale		4.11			3.37			3.59			3.74			3.82
Total earning assets		4.45			4.51			4.49			4.64			4.41

Funding liabilities
Deposits:
NOW and other		0.61			0.66			0.65			0.59			0.58
Money market		1.27			1.27			1.23			1.10			0.92
Savings		0.13			0.15			0.18			0.16			0.15
Time		2.02			2.06			2.07			1.93			1.76
Total interest-bearing deposits		1.43			1.44			1.44			1.31			1.18
Borrowings		3.12			2.92			2.85			2.67			2.42
Total interest-bearing liabilities		1.57			1.66			1.65			1.55			1.38

Net interest spread		2.88			2.85			2.84			3.09			3.03
Net interest margin		3.22			3.19			3.17			3.41			3.32

Cost of funds (1)		1.32			1.41			1.41			1.31			1.16
Cost of deposits		1.18			1.18			1.19			1.07			0.96

(1) Cost of funds includes all deposits and borrowings.

F-6

BERKSHIRE HILLS BANCORP, INC.

AVERAGE BALANCES - UNAUDITED - (F-7)

	Quarters Ended
	Sept. 30,		June 30,		March 31,		Dec. 31,		Sept. 30,
(in thousands)	2019		2019		2019		2018		2018
Assets
Loans
Commercial real estate	$	3,998,144	$	3,716,130	$	3,377,902	$	3,373,936	$	3,331,097
Commercial and industrial loans		1,951,205		2,056,384		1,986,792		1,921,361		1,824,369
Residential mortgages		2,849,216		2,711,348		2,556,299		2,539,592		2,459,943
Consumer loans		1,035,893		1,064,579		1,079,583		1,112,433		1,120,942
Total loans (1)		9,834,458		9,548,441		9,000,576		8,947,322		8,736,351
Securities (2)		1,846,985		1,893,298		1,895,768		1,933,891		1,928,851
Short-term investments and loans held for sale		309,897		117,029		67,367		51,827		47,752
Total earning assets (3)		11,991,340		11,558,768		10,963,711		10,933,040		10,712,954
Goodwill and other intangible assets		603,762		555,606		550,966		552,206		554,359
Other assets		668,218		593,917		557,442		494,377		501,739
Assets from discontinued operations		204,339		192,466		115,721		101,464		141,443
Total assets	$	13,467,659	$	12,900,757	$	12,187,840	$	12,081,087	$	11,910,495

Liabilities and shareholders' equity
Deposits
NOW and other	$	1,111,637	$	1,053,335	$	963,043	$	920,225	$	844,888
Money market		2,624,639		2,474,071		2,378,496		2,339,699		2,348,516
Savings		838,445		780,797		736,707		728,853		740,765
Time		4,158,688		3,593,022		3,429,375		3,229,521		3,274,518
Total interest-bearing deposits		8,733,409		7,901,225		7,507,621		7,218,298		7,208,687
Borrowings		805,035		1,415,614		1,351,834		1,566,478		1,363,914
Total interest-bearing liabilities		9,538,444		9,316,839		8,859,455		8,784,776		8,572,601
Non-interest-bearing demand deposits		1,864,964		1,673,560		1,538,767		1,579,013		1,635,564
Other liabilities		267,922		215,704		192,119		127,370		132,521
Liabilities from discontinued operations		28,206		18,434		13,962		8,854		11,880
Total liabilities		11,699,536		11,224,537		10,604,303		10,500,013		10,352,566

Preferred shareholders' equity		40,633		40,633		40,633		40,633		40,633
Common shareholders' equity		1,727,490		1,635,587		1,542,904		1,540,441		1,517,296
Total shareholders' equity		1,768,123		1,676,220		1,583,537		1,581,074		1,557,929
Total liabilities and shareholders' equity	$	13,467,659	$	12,900,757	$	12,187,840	$	12,081,087	$	11,910,495

Supplementary data
Total average non-maturity deposits	$	6,439,685	$	5,981,763	$	5,617,013	$	5,567,790	$	5,569,733
Total average deposits		10,598,373		9,574,785		9,046,388		8,797,311		8,844,251
Fully taxable equivalent income adjustment		1,826		1,882		1,809		1,763		1,807
Total average tangible equity (4)		1,164,361		1,120,614		1,032,571		1,028,868		1,003,570

(1) Total loans include non-accruing loans.

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

(3) Excludes discontinued operations for presentation purposes. Performance ratios are calculated including the impact of discontinued operations.

(4) See page F-9 for details on the calculation of total average tangible equity.

F-7

BERKSHIRE HILLS BANCORP, INC.

ASSET QUALITY ANALYSIS - UNAUDITED - (F-8)

	At or for the Quarters Ended
	Sept. 30,			June 30,			March 31,			Dec. 31,			Sept. 30,
(in thousands)	2019			2019			2019			2018			2018
NON-PERFORMING ASSETS
Non-accruing loans:
Commercial real estate	$	15,829		$	19,366		$	18,513		$	20,371		$	22,639
Commercial and industrial loans		12,224			9,256			5,614			6,003			4,914
Residential mortgages		3,062			3,579			2,341			2,217			2,683
Consumer loans		5,191			3,570			4,038			3,834			4,401
Total non-accruing loans		36,306			35,771			30,506			32,425			34,637
Other real estate owned		-			154			-			-			-
Repossessed assets		1,003			874			742			1,209			1,069
Total non-performing assets	$	37,309		$	36,799		$	31,248		$	33,634		$	35,706

Total non-accruing loans/total loans		0.37	%		0.36	%		0.34	%		0.36	%		0.39	%
Total non-performing assets/total assets		0.28	%		0.27	%		0.26	%		0.28	%		0.30	%

PROVISION AND ALLOWANCE FOR LOAN LOSSES
Balance at beginning of period	$	62,156		$	62,038		$	61,469		$	58,457		$	55,925
Charged-off loans		(23,524	)		(3,966	)		(4,579	)		(4,029	)		(4,471	)
Recoveries on charged-off loans		998			617			1,147			325			375
Net loans charged-off		(22,526	)		(3,349	)		(3,432	)		(3,704	)		(4,096	)
Provision for loan losses		22,600			3,467			4,001			6,716			6,628
Balance at end of period	$	62,230		$	62,156		$	62,038		$	61,469		$	58,457

Allowance for loan losses/total loans		0.64	%		0.63	%		0.69	%		0.68	%		0.66	%
Allowance for loan losses/non-accruing loans		171	%		174	%		203	%		190	%		169	%

NET LOAN CHARGE-OFFS
Commercial real estate	$	(2,759	)	$	(1,235	)	$	(752	)	$	(1,357	)	$	(3,074	)
Commercial and industrial loans		(18,850	)		(995	)		(1,580	)		(1,538	)		(189	)
Residential mortgages		(140	)		(139	)		(95	)		(108	)		61
Home equity		(71	)		(300	)		(257	)		(116	)		(242	)
Auto and other consumer		(706	)		(680	)		(748	)		(585	)		(652	)
Total, net	$	(22,526	)	$	(3,349	)	$	(3,432	)	$	(3,704	)	$	(4,096	)

Net charge-offs (QTD annualized)/average loans		0.92	%		0.14	%		0.15	%		0.17	%		0.19	%
Net charge-offs (YTD annualized)/average loans		0.41	%		0.15	%		0.15	%		0.18	%		0.19	%

DELINQUENT AND NON-ACCRUING LOANS/TOTAL LOANS
30-89 Days delinquent		0.26	%		0.20	%		0.22	%		0.27	%		0.38	%
90+ Days delinquent and still accruing		0.29	%		0.28	%		0.23	%		0.22	%		0.22	%
Total accruing delinquent loans		0.55	%		0.48	%		0.45	%		0.49	%		0.60	%
Non-accruing loans		0.37	%		0.36	%		0.34	%		0.36	%		0.39	%
Total delinquent and non-accruing loans		0.92	%		0.84	%		0.79	%		0.85	%		0.99	%

F-8

BERKSHIRE HILLS BANCORP, INC.

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES AND SUPPLEMENTARY DATA- UNAUDITED - (F-9)

		At or for the Quarters Ended
		Sept. 30,			June 30,			March 31,			Dec. 31,			Sept. 30,
(in thousands)		2019			2019			2019			2018			2018
Net income		$	22,616		$	25,448		$	23,635		$	14,259		$	32,227
Adj: Net securities (gains)/losses (1)			(87	)		(17	)		(2,551	)		3,023			(88	)
Adj: Net (gains) on sale of business operations and assets			-			-			-			-			-
Adj: Merger and acquisition expense			3,802			9,711			1,609			2,792			198
Adj: Restructuring expense and other expense			361			1,444			5,406			1,822			-
Adj: Legal settlements			-			-			-			3,000			-
Adj: Systems vendor restructuring costs			-			-			-			8,379			-
Adj: (Income)/loss from discontinued operations before income taxes			(2,747	)		(2,082	)		854			3,884			1,147
Adj: Income taxes			(281	)		(2,385	)		(1,223	)		(5,185	)		(397	)
Total core income (2)	(A)	$	23,664		$	32,119		$	27,730		$	31,974		$	33,087

Total revenue from continuing operations		$	118,277		$	109,107		$	107,181		$	108,541		$	108,419
Adj: Net securities (gains)/losses (1)			(87	)		(17	)		(2,551	)		3,023			(88	)
Adj: Net (gains) on sale of business operations and assets			-			-			-			-			-
Total core revenue (2)	(B)	$	118,190		$	109,090		$	104,630		$	111,564		$	108,331

Total non-interest expense from continuing operations		$	71,011		$	76,568		$	71,991		$	80,373		$	59,627
Less: Merger, restructuring and other expense (see above)			(4,163	)		(11,155	)		(7,015	)		(4,614	)		(198	)
Less: Legal settlements			-			-			-			(3,000	)		-
Less: Systems vendor restructuring costs			-			-			-			(8,379	)		-
Core non-interest expense (2)	(C)	$	66,848		$	65,413		$	64,976		$	64,380		$	59,429

(in millions, except per share data)
Total average assets	(D)	$	13,468		$	12,901		$	12,188		$	12,081		$	11,910
Total average shareholders' equity	(E)		1,768			1,676			1,584			1,581			1,558
Total average tangible shareholders' equity (2)	(F)		1,164			1,121			1,033			1,029			1,004
Total average tangible common shareholders' equity (2)	(G)		1,124			1,080			992			988			963
Total tangible shareholders' equity, period-end (2)(3)	(H)		1,170			1,176			1,026			1,001			979
Total tangible common shareholders' equity, period-end (2)(3)	(I)		1,130			1,136			986			961			939
Total tangible assets, period-end (2)(3)	(J)		12,930			13,051			11,623			11,660			11,477

Total common shares outstanding, period-end (thousands)	(K)		50,394			51,045			45,522			45,417			45,420
Average diluted shares outstanding (thousands)	(L)		51,545			49,114			46,261			46,240			46,263

Core earnings per common share, diluted (2)	(A/L)	$	0.46		$	0.65		$	0.60		$	0.69		$	0.72
Tangible book value per common share, period-end (2)	(I/K)		22.42			22.25			21.66			21.15			20.68
Total tangible shareholders' equity/total tangible assets (2)	(H)/(J)		9.05			9.01			8.83			8.59			8.53

Performance ratios (4)
GAAP return on assets			0.67	%		0.79	%		0.78			0.47	%		1.08	%
Core return on assets (2)			0.71			1.01			0.92			1.07			1.12
GAAP return on equity			5.12			6.07			5.97			3.61			8.27
Core return on equity (2)	(A/E)		5.35			7.67			7.00			8.09			8.49
Core return on tangible common equity (2)(5)	(A+O)/(G)		8.74			12.21			11.44			13.21			14.02
Efficiency ratio (2)(6)	(C-O)/(B+M+P)		53.37			56.41			59.54			54.88			52.20
Net interest margin			3.22			3.19			3.17			3.41			3.32

Supplementary data (in thousands)
Tax benefit on tax-credit investments (7)	(M)	$	2,382		$	2,381		$	684		$	1,787		$	1,374
Non-interest income charge on tax-credit investments (8)	(N)		(1,942	)		(1,938	)		(579	)		(1,610	)		(1,112	)
Net income on tax-credit investments	(M+N)		440			443			105			177			262

Intangible amortization	(O)	$	1,526		$	1,475		$	1,200		$	1,202		$	1,218
Fully taxable equivalent income adjustment	(P)		1,826			1,882			1,809			1,763			1,807

(1)	Net securities (gains)/losses include the change in fair value of the Company's equity securities in compliance with the Company's adoption of ASU 2016-01.
(2)	Non-GAAP financial measure.
(3)	Total tangible shareholders' equity is computed by taking total shareholders' equity less the intangible assets at period-end. Total tangible assets is computed by taking total assets less the intangible assets at period-end.
(4)	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.
(5)	Core return on tangible equity is computed by dividing the total core income adjusted for the tax-effected amortization of intangible assets, assuming a 27% marginal rate, by tangible equity.
(6)	Efficiency ratio is computed by dividing total core tangible non-interest expense by the sum of total net interest income on a fully taxable equivalent basis and total core non-interest income adjusted to include tax credit benefit of tax shelter investments. The Company uses this non-GAAP measure to provide important information regarding its operational efficiency.
(7)	The tax benefit is the direct reduction to the income tax provision due to tax credits and deductions generated from investments in historic rehabilitation and low-income housing.
(8)	The non-interest income charge is the reduction to the tax-advantaged investments, which are incurred as the tax credits are generated.

F-9

BERKSHIRE HILLS BANCORP, INC.

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES AND SUPPLEMENTARY DATA - UNAUDITED - (F-10)

		At or for the Nine Months Ended
		Sept. 30,			Sept. 30,
(Dollars in thousands)		2019			2018
Net income		$	71,699		$	91,506
Adj: Net securities(gains)/losses (1)			(2,655	)		696
Adj: Net (gains) on sale of business operations and assets			-			(460	)
Adj: Merger and acquisition expenses			15,122			6,138
Adj: Restructuring expense and other			7,211			-
Adj: (Income)/loss from discontinued operations before income taxes			(3,975	)		883
Adj: Income taxes			(3,889	)		(1,917	)
Total core income (2)	(A)	$	83,513		$	96,846

Total revenue from continuing operations		$	334,565		$	321,983
Adj: Net securities(gains)/losses (1)			(2,655	)		696
Adj: Net (gains) on sale of business operations and assets			-			(460	)
Total core revenue (2)	(B)	$	331,910		$	322,219
Total non-interest expense from continuing operations		$	219,570		$	186,520
Less: Merger, restructuring and other expense (see above)			(22,333	)		(6,138	)
Core non-interest expense (2)	(C)	$	197,237		$	180,382

(in millions, except per share data)
Total average assets	(D)	$	12,857		$	11,687
Total average shareholders' equity	(E)		1,677			1,534
Total average tangible shareholders' equity (2)	(F)		1,106			978
Total average tangible common shareholders' equity (2)	(G)		1,066			937
Total tangible shareholders' equity, period-end (2)(3)	(H)		1,170			979
Total tangible common shareholders' equity, period-end (2)(3)	(I)		1,130			939
Total tangible assets, period-end (2)(3)	(J)		12,930			11,477
Total common shares outstanding, period-end (thousands)	(K)		50,394			45,420
Average diluted shares outstanding (thousands)	(L)		48,987			46,226
Core earnings per common share, diluted (2)	(A/L)	$	1.70		$	2.08
Tangible book value per common share, period-end (2)	(I/K)		22.42			20.68
Total tangible shareholders' equity/total tangible assets (2)	(H)/(J)		9.05			8.53

Performance ratios (4)
GAAP return on assets			0.74	%		1.05	%
Core return on assets (2)	(A/D)		0.88			1.12
GAAP return on equity			5.70			7.96
Core return on equity (2)	(A/E)		6.64			8.42
Core return on tangible common equity (2)(5)	(A+O)/(G)		10.74			14.07
Efficiency ratio (2)(6)	(C-O)/(B+M+P)		56.30			53.21
Net interest margin			3.19			3.39

Supplementary data
Tax benefit on tax-credit investments (7)	(M)	$	5,447		$	4,089
Non-interest income charge on tax-credit investments (8)	(N)		(4,459	)		(3,212	)
Net income on tax-credit investments	(M+N)		988			877

Intangible amortization	(O)		4,201			3,732
Fully taxable equivalent income adjustment	(P)		5,517			5,660

(1)	Net securities (gains)/losses include the change in fair value of the Company's equity securities in compliance with the Company's adoption of ASU 2016-01.
(2)	Non-GAAP financial measure.
(3)	Total tangible shareholders' equity is computed by taking total shareholders' equity less the intangible assets at period-end. Total tangible assets is computed by taking total assets less the intangible assets at period-end.
(4)	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.
(5)	Core return on tangible equity is computed by dividing the total core income adjusted for the tax-effected amortization of intangible assets, assuming a 27% marginal rate, by tangible equity.
(6)	Efficiency ratio is computed by dividing total core tangible non-interest expense by the sum of total net interest income on a fully taxable equivalent basis and total core non-interest income adjusted to include tax credit benefit of tax shelter investments. The Company uses this non-GAAP measure to provide important information regarding its operational efficiency.

(7)	The tax benefit is the direct reduction to the income tax provision due to tax credits and deductions generated from investments in historic rehabilitation and low-income housing.
(8)	The non-interest income charge is the reduction to the tax-advantaged investments, which are incurred as the tax credits are generated.

F-10

EX-99.2 3 tm1921325d1_ex99-2.htm EXHIBIT 99.2

Exhibit 99.2

Berkshire Hills Elects J. Williar Dunlaevy as Board Chair; William J. Ryan to Remain on Board

BOSTON, October 28, 2019 - Berkshire Hills Bancorp, Inc. (NYSE: BHLB) announced that its Board of Directors has unanimously elected J. Williar (“Bill”) Dunlaevy to serve as its Chairman, effective December 1, 2019. A former bank CEO, Mr. Dunlaevy has served as a director since 2011 and is designated as independent as well as a financial expert by the Board of Directors under the rules of the Securities and Exchange Commission and the New York Stock Exchange. The Company’s banking subsidiary, Berkshire Bank, has similarly elected Mr. Dunlaevy as Board Chair.

Mr. Dunlaevy commented, “I’m honored to have been chosen to succeed Bill Ryan as Chairman, and I look forward to continuing to work with the management team and the entire Board to deliver on our commitment to our shareholders, customers, and communities. I want to thank Bill for his leadership, friendship and tremendous contributions to Berkshire as chairman over the past five years. I’m pleased that he’ll remain as a director so the board may continue to benefit from his substantial banking experience and valued judgement. Our Board and management team remain dedicated to our vision of building a 21^st century community bank.”

Mr. Ryan stated, “I’m delighted that the Board has selected Bill Dunlaevy to succeed me as Chairman. He has great expertise in community banking and is committed to success for our company, culture, and vision. I look forward to continuing to work closely with Bill in our new roles as I scale back my commitments for health reasons.”

Mr. Dunlaevy is the former Chief Executive Officer and Chairman of the Board of Legacy Bancorp, Inc. and Legacy Banks (“Legacy”). He served as the Chief Executive Officer and Chairman of the Board of Legacy from 1996 until their merger with Berkshire in 2011. A community leader, Mr. Dunlaevy currently serves as a director of the Berkshire Bank Foundation and previously served as Chairman of the Berkshire Taconic Community Foundation. Mr. Dunlaevy has also been a director of the Depositors Insurance Fund, Massachusetts Bankers Association, and Savings Bank Life Insurance Company of Massachusetts (“SBLI”).

BACKGROUND

FORWARD LOOKING STATEMENTS

CONTACTS

Investor Relations Contact

David Gonci, Capital Markets Director, 413-281-1973

Media Contact

Diana Pisciotta; Communications Contact; 617-784-5256

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Cover	Oct. 28, 2019
Cover [Abstract]
Document Type	8-K
Amendment Flag	false
Document Period End Date	Oct. 28, 2019
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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