0001104659-24-048742.txt : 20240418 0001104659-24-048742.hdr.sgml : 20240418 20240418132751 ACCESSION NUMBER: 0001104659-24-048742 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20240418 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240418 DATE AS OF CHANGE: 20240418 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BERKSHIRE HILLS BANCORP INC CENTRAL INDEX KEY: 0001108134 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] ORGANIZATION NAME: 02 Finance 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: 24853760 BUSINESS ADDRESS: STREET 1: 60 STATE STREET STREET 2: 38TH FLOOR CITY: BOSTON STATE: MA ZIP: 02109 BUSINESS PHONE: 617-641-9206 MAIL ADDRESS: STREET 1: 60 STATE STREET STREET 2: 38TH FLOOR CITY: BOSTON STATE: MA ZIP: 02109 8-K 1 tm2412132d1_8k.htm FORM 8-K
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

FORM 8-K

 

CURRENT REPORT

 

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

 

Date of Report (Date of earliest event reported): April 18, 2024

 

BERKSHIRE HILLS BANCORP, INC.

(Exact Name of Registrant as Specified in its Charter)

 

Delaware   001-15781   04-3510455
(State or Other Jurisdiction)
of Incorporation)		   (Commission File No.)   (I.R.S. Employer
Identification No.)

 

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

 

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

 

Not Applicable

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

Emerging growth company ¨

 

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

 

 

 

 

 

Item 2.02Results of Operations and Financial Condition

 

On April 18, 2024, Berkshire Hills Bancorp, Inc. (the “Company”), the holding company for Berkshire Bank (the “Bank”), announced its financial results for the first quarter ended March 31, 2024. 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 April 18, 2024, 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 April 25, 2024. The webcast will be available on the Company’s website at ir.berkshirebank.com for an extended period of time.

 

Item 7.01Regulation FD Disclosure

 

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

 

Item 9.01 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 April 18, 2024
       
    104.1 Cover Page for this Current Report on Form 8-K, formatted in Inline XBRL

 

 

 

 

SIGNATURES

 

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

 

    Berkshire Hills Bancorp, Inc.
     
     
DATE:  April 18, 2024 By: /s/ Nitin J. Mhatre
    Nitin J. Mhatre
    President and Chief Executive Officer

 

 

 

 EX-99.1 2 tm2412132d1_ex99-1.htm EXHIBIT 99.1

 

Exhibt 99.1

 

 

Berkshire Hills Reports First Quarter 2024 Results

Announces $362 Million Securities Sale

 

·First quarter loss of $20 million, ($0.47) per share
·Operating income of $21 million, $0.49 per share
·Securities sale of $362 million resulted in a $49.9 million net non-operating loss ($0.89 per share after-tax)
·Net loan charge-offs were 18 basis points annualized
·TCE ratio of 8.2% and CET1 ratio of 11.6%; tangible book value per share of $22.84

 

BOSTON, April 18, 2024 - Berkshire Hills Bancorp, Inc. (NYSE: BHLB) today reported results for the first quarter of 2024. These results along with comparison periods are summarized below:

 

   Three Months Ended 
($ in millions, except per share data)  Mar. 31, 2024   Dec. 31, 2023   Mar. 31, 2023 
Net (loss) income  $(20.2)  $(1.4)  $27.6 
Per share   (0.47)   (0.03)   0.63 
Operating earnings1   20.9    20.2    27.6 
Per share   0.49    0.47    0.63 
                
Net interest income, non FTE  $88.1   $88.4   $97.5 
Net interest income, FTE   90.1    90.4    99.4 
Net interest margin, FTE   3.15%   3.11%   3.58%
Non-interest income   (32.6)   (8.4)   16.6 
Operating non-interest income1   17.3    16.7    16.6 
                
Non-interest expense  $76.0   $79.0   $72.0 
Operating non-interest expense1   72.4    75.3    72.0 
Efficiency ratio1   66.3%   67.8%   59.5%
                
Average balances2               
Loans  $9,059   $8,990   $8,515 
Deposits   9,978    9,936    9,676 
                
Period-end balances2               
Loans   9,144    9,040    8,682 
Deposits   10,368    10,633    10,068 

 

 

1. See non-GAAP financial measures and reconciliation to GAAP measures beginning on page 12. 1Q24 operating non-interest income excludes $49.9 million securities loss ($38.3 million after-tax, or $0.89 per share). Operating non-interest expense excludes $3.6 million branch sale costs ($2.8 million after-tax, or $0.07 per share).

2. Loans and deposits include balances held for sale in branch transaction of $18 million and $149 million respectively (average), and $58 million and $485 million (end of period).

 

1

 

 

Berkshire CEO Nitin Mhatre stated, “We had a solid start to the year, increasing operating earnings, growing loans, and maintaining solid asset quality and capital strength. In March, we announced the planned sale of ten branches which will enhance efficiency and profitability, while strengthening our focus in core New York markets. In anticipation of completing the branch sale in the third quarter, we sold lower yielding investment securities, resulting in a non-operating charge. During the quarter, we announced key hires bolstering Berkshire’s commercial and private banking teams. Newsweek magazine also ranked Berkshire as one of the top 10 most trusted banks in America, recognizing our commitment to integrity, respect, and transparency as a trusted client advisor and financial partner.”

 

CFO David Rosato added, “First quarter operating earnings were $20.9 million, increasing $744 thousand linked quarter. We sold $362 million in securities, resulting in a $49.9 million non-operating charge ($38.3 million after-tax, or $0.89 per share). Net interest margin of 3.15 percent increased 4 basis points including the benefit of the 4Q23 securities sales. Operating non-interest income increased $636 thousand linked quarter. Reflecting our focus on expense management, non-interest expense decreased $3.0 million linked quarter on a GAAP basis and $2.9 million on an operating basis. Non-operating expenses of $3.6 million ($2.8 million after-tax, or $0.07 per share) were related to the branch sale. Total shareholders’ equity was not impacted by the securities sale and the common equity Tier 1 ratio remained a healthy 11.6 percent at period-end.”

 

   As of and For the Three Months Ended 
   Mar. 31, 2024   Dec. 31, 2023   Mar. 31, 2023 
Asset Quality               
Net loan charge-offs to average loans   0.18%   0.20%   0.32%
Non-performing loans to total loans   0.24%   0.24%   0.31%
                
Returns               
Return on average assets   (0.69)%   (0.05)%   0.96%
Operating return on average assets1   0.71%   0.68%   0.95%
Return on tangible common equity1   (7.73)%   (0.24)%   11.96%
Operating return on tangible common equity1   8.73%   8.90%   11.96%
                
Capital Ratios2               
Tangible common equity/tangible assets1   8.2%   8.0%   7.9%
Tier 1 leverage   9.5%   9.6%   9.9%
Common equity Tier 1   11.6%   12.0%   12.1%
Tier 1 risk-based   11.8%   12.3%   12.4%
Total risk-based   14.0%   14.4%   14.4%

 

 

1. See non-GAAP measures and reconciliation to GAAP beginning on page 12. All performance ratios are annualized and are based on average balance sheet amounts, where applicable.

2. Presented as estimated for March 31, 2024 and actual for the remaining periods.

 

Berkshire Hills Bancorp, Inc. (NYSE: BHLB) is the parent company of Berkshire Bank, a relationship-driven, community-focused bank with $12.1 billion in assets and 96 financial centers in New England and New York. Berkshire is headquartered in Boston and offers commercial, retail, wealth, and private banking solutions.

 

2

 

 

1Q 2024 Financial Highlights

 

Income Statement

 

·GAAP loss of $20.2 million, or $(0.47) per share.
○Operating earnings totaled $20.9 million, or $0.49 per share.
·Net interest income totaled $88.1 million in 1Q24 compared to $88.4 million in 4Q23.
○One less calendar day in 1Q24 (1% decrease in net interest income).
·Net interest margin increased 4 basis points from 4Q23 to 3.15% reflecting the benefit of securities sales and reduction of higher cost borrowings.
○The earning asset yield increased 18 basis points.
·The loan yield increased 7 basis points.
○The cost of funds increased 13 basis points.
·The cost of deposits increased 18 basis points.
·Provision for credit losses on loans totaled $6.0 million.
○Allowance for credit losses on loans increased $2.0 million.
○Net loan charge-offs totaled $4.0 million.
○Net annualized loan charge-off ratio of 0.18%, down sequentially for last five quarters.
·Operating non-interest income totaled $17.3 million in 1Q24 excluding the $49.9 million net loss on sale of AFS securities, compared to $16.7 million in 4Q23 excluding the $25.1 million loss on sale of AFS securities.
○The tax credit amortization charge included in other non-interest income decreased $1.9 million linked quarter due to a change in accounting method (with offsetting increase in income tax expense).
○Deposit related fee revenue decreased $176 thousand.
○Loan related fees increased $605 thousand primarily due to higher swap revenue.
○Gain on SBA loan sales decreased $683 thousand.
○Wealth management revenue increased $490 thousand. At March 31, 2024, wealth assets under management were $1.5 billion.
○Other non-interest income increased $1.3 million.
·Non-interest expense in 1Q24 totaled $76.0 million on a GAAP basis and $72.4 million on an operating basis. These measures were $79.0 million and $75.3 million in 4Q23.
○Non-operating expense totaled $3.6 million in 1Q24, and was related to the pending branch sale.
○Compensation and benefits expense increased $640 thousand.
○Occupancy and equipment expense increased $145 thousand.
○Technology and communications expense decreased $1.4 million.
○Professional services expense decreased $741 thousand.
○Other non-interest expense decreased $1.5 million.
○The efficiency ratio was 66.3% for 1Q24 compared to 67.8% for 4Q23.
·Income tax expense was a benefit of $6.3 million in 1Q24 and the effective tax rate was 23.8%.

 

3

 

 

Loans

 

·Commercial real estate loans totaled $4.6 billion at March 31, 2024, a $67 million increase from December 31, 2023.
○Average commercial real estate loans totaled $4.6 billion in 1Q24, an $84 million increase from 4Q23.
·Commercial and industrial loans totaled $1.4 billion at March 31, 2024, a $32 million increase from December 31, 2023.
○Average commercial and industrial loans totaled $1.4 billion in 1Q24, a $12 million decrease from 4Q23.
·Residential mortgage loans totaled $2.7 billion at March 31, 2024, a $4 million increase from December 31, 2023.
○Average residential mortgage loans totaled $2.7 billion in 1Q24, a $12 million increase from 4Q23.
·Consumer loans totaled $430 million at March 31, 2024, a $57 million decrease from December 31, 2023.
○Average consumer loans totaled $465 million in 1Q24, a $33 million decrease from 4Q23.
·Loans held for sale in conjunction with the planned branch sale totaled $58 million at March 31, 2024, and consisted primarily of consumer and residential mortgage loans.
○Average loans held for sale in conjunction with the planned branch sale totaled $18 million based on the March 4, 2024 branch sale agreement date.
·Non-performing loans to total loans was 0.24% at March 31, 2024, unchanged from December 31, 2023.
·The allowance for credit losses to total loans was 1.18% at March 31, 2024, compared to 1.17% at December 31, 2023.

 

Deposits

 

·Non-interest bearing deposits totaled $2.3 billion at March 31, 2024, a $207 million decrease from December 31, 2023.
○Average non-interest bearing deposits totaled $2.3 billion in 1Q24, a $140 million decrease from 4Q23.
·Time deposits totaled $2.4 billion at March 31, 2024, a $281 million decrease from December 31, 2024.
○Average time deposits totaled $2.6 billion in 1Q24, a $3 million increase from 4Q23.
·Deposits held for sale in conjunction with the planned branch sale totaled $485 million at March 31, 2024.
○Average deposits held for sale totaled $149 million in 1Q24 based on the March 4, 2024 sale agreement date.

 

4

 

 

1Q 2024 Corporate Responsibility and Sustainability Highlights

 

·Berkshire was named one of the Most Trustworthy Companies in America 2024 by Newsweek magazine.

 

·The Company released its 2023 Sustainability Report highlighting all that Berkshire is doing to be a responsible, equitable and sustainable bank while elevating its client experience and community impact.  

 

·Berkshire maintained its top quartile environmental, social and governance performance in the banking sector.

 

Conference Call and Investor Presentation. Berkshire will conduct a conference call/webcast at 9:00 a.m. eastern time on Thursday, April 18, 2024 to discuss results for the quarter and provide guidance about expected future results. Instructions for listening to the call may be found at the Company’s website at ir.berkshirebank.com. Additional materials relating to the call may also be accessed at this website. The call will be archived at the website and will be available for an extended period of time.

 

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

 

INVESTOR CONTACT

Kevin Conn

Investor Relations

617.641.9206

kaconn@berkshirebank.com

 

MEDIA CONTACT

Gary Levante

Corporate Communications

413.447.1737

glevante@berkshirebank.com

 

5

 

 

 

SELECTED FINANCIAL HIGHLIGHTS (1)
     
   At or for the Quarters Ended 
   March 31,   Dec. 31,   Sept. 30,   June 30,   March 31, 
   2024   2023   2023   2023   2023 
NOMINAL AND PER SHARE DATA                    
Net (loss)/earnings per common share, diluted  $(0.47)  $(0.03)  $0.45   $0.55   $0.63 
Operating earnings per common share, diluted (2)(3)   0.49    0.47    0.50    0.55    0.63 
Net (loss)/income, (thousands)   (20,188)   (1,445)   19,545    23,861    27,637 
Operating net income, (thousands) (2)(3)   20,934    20,190    21,516    23,878    27,608 
Net interest income, (thousands) non FTE   88,140    88,421    90,334    92,759    97,533 
Net interest income, FTE (5)   90,146    90,442    92,314    94,721    99,441 
Total common shares outstanding, end of period (thousands)   43,415    43,501    43,822    44,033    44,411 
Average diluted shares, (thousands)   43,028    43,101    43,347    43,532    44,036 
Total book value per common share, end of period   23.26    23.27    21.70    22.11    22.42 
Tangible book value per common share, end of period (2)(3)   22.84    22.82    21.23    21.60    21.89 
Dividends per common share   0.18    0.18    0.18    0.18    0.18 
Dividend payout ratio    N/M%   N/M%   40.56%   33.47%   28.98%
                          
PERFORMANCE RATIOS (4)                         
Return on equity   (7.93)%   (0.60)%   7.91%   9.51%   11.31%
Operating return on equity (2)(3)   8.23    8.36    8.71    9.51    11.30 
Return on tangible common equity (2)(3)   (7.73)   (0.24)   8.45    10.09    11.96 
Operating return on tangible common equity (2)(3)   8.73    8.90    9.27    10.09    11.96 
Return on assets   (0.69)   (0.05)   0.66    0.79    0.96 
Operating return on assets (2)(3)   0.71    0.68    0.73    0.79    0.95 
Net interest margin, FTE (5)   3.15    3.11    3.18    3.24    3.58 
Efficiency ratio (3)   66.26    67.77    65.05    63.57    59.51 
                          
FINANCIAL DATA (in millions, end of period)                         
Total assets  $12,147   $12,431   $12,140   $12,090   $12,320 
Total earning assets   11,430    11,705    11,400    11,370    11,615 
Total loans   9,086    9,040    8,984    8,882    8,682 
Total funding liabilities   10,826    11,140    10,906    10,864    11,093 
Total deposits   9,883    10,633    9,981    10,068    10,068 
Loans/deposits (%)   92%   85%   90%   88%   86%
Total accumulated other comprehensive (loss) net of tax, end of period  $(114)  $(143)  $(218)  $(186)  $(159)
Total shareholders' equity   1,010    1,012    951    973    995 
                          
ASSET QUALITY                         
Allowance for credit losses, (millions)  $107   $105   $103   $100   $98 
Net charge-offs, (millions)   (4)   (4)   (5)   (6)   (7)
Net charge-offs (QTD annualized)/average loans   0.18%   0.20%   0.24%   0.26%   0.32%
Provision (benefit)/expense, (millions)  $6   $7   $8   $8   $9 
Non-performing assets, (millions)   24    24    29    31    29 
Non-performing loans/total loans   0.24%   0.24%   0.30%   0.32%   0.31%
Allowance for credit losses/non-performing loans   500    492    386    353    363 
Allowance for credit losses/total loans   1.18    1.17    1.14    1.13    1.13 
                          
CAPITAL RATIOS                         
Risk weighted assets, (millions)(6)  $9,628   $9,552   $9,594   $9,523   $9,454 
Common equity Tier 1 capital to risk weighted assets (6)   11.6%   12.0%   12.1%   12.1%   12.1%
Tier 1 capital leverage ratio (6)   9.5    9.6    9.8    9.6    9.9 
Tangible common shareholders' equity/tangible assets (3)   8.2    8.0    7.7    7.9    7.9 

 

 

(1) All financial tables presented are unaudited.
(2) Reconciliations of non-GAAP financial measures, including all references to operating and tangible amounts, start on page 12.
(3) Non-GAAP financial measure. Operating measurements are non-GAAP financial measures that are adjusted to exclude net non-operating charges primarily related to acquisitions and restructuring activities. See page 13 for reconciliations of non-GAAP financial measures.
(4) All performance ratios are annualized and are based on average balance sheet amounts, where applicable.
(5) Fully taxable equivalent considers the impact of tax advantaged investment securities and loans.
(6) Presented as projected for March 31, 2024 and actual for the remaining periods.

 

6

 

 

 

CONSOLIDATED BALANCE SHEETS
 
   March 31,   December 31,   March 31, 
(in thousands)  2024   2023   2023 
Assets               
Cash and due from banks  $111,676   $148,148   $121,589 
Short-term investments   1,082,019    1,055,096    884,973 
Total cash and cash equivalents   1,193,695    1,203,244    1,006,562 
                
Trading securities, at fair value   5,909    6,142    6,584 
Equity securities, at fair value   12,823    13,029    13,072 
Securities available for sale, at fair value   625,857    1,022,285    1,407,271 
Securities held to maturity, at amortized cost   531,820    543,351    574,606 
Federal Home Loan Bank stock   20,522    22,689    44,245 
Total securities   1,196,931    1,607,496    2,045,778 
Less: Allowance for credit losses on investment securities   (61)   (68)   (71)
Net securities   1,196,870    1,607,428    2,045,707 
                
Loans held for sale   6,345    2,237    1,906 
                
Commercial real estate loans   4,593,692    4,527,012    4,231,510 
Commercial and industrial loans   1,384,591    1,352,834    1,553,340 
Residential mortgages   2,677,046    2,672,677    2,369,614 
Consumer loans   430,424    487,163    527,503 
Total loans   9,085,753    9,039,686    8,681,967 
Less: Allowance for credit losses on loans   (107,331)   (105,357)   (97,991)
Net loans   8,978,422    8,934,329    8,583,976 
                
Premises and equipment, net   57,832    68,915    78,710 
Other intangible assets   18,460    19,664    23,279 
Other assets   611,967    584,066    571,616 
Assets held for sale   83,020    10,938    8,220 
Total assets  $12,146,611   $12,430,821   $12,319,976 
                
Liabilities and shareholders' equity               
Non-interest bearing deposits  $2,261,794   $2,469,164   $2,650,937 
NOW and other deposits   793,492    858,644    959,417 
Money market deposits   3,411,672    3,565,516    3,274,630 
Savings deposits   1,010,630    1,053,810    1,069,915 
Time deposits   2,405,384    2,686,250    2,112,646 
Total deposits   9,882,972    10,633,384    10,067,545 
                
Federal Home Loan Bank advances   337,169    385,223    904,395 
Subordinated borrowings   121,425    121,363    121,176 
Total borrowings   458,594    506,586    1,025,571 
                
Other liabilities   297,663    278,630    231,380 
Liabilities held for sale   497,459    -    - 
Total liabilities   11,136,688    11,418,600    11,324,496 
                
Common shareholders' equity   1,009,923    1,012,221    995,480 
Total shareholders' equity   1,009,923    1,012,221    995,480 
Total liabilities and shareholders' equity  $12,146,611   $12,430,821   $12,319,976 

 

7

 

 

 

CONSOLIDATED STATEMENTS OF OPERATIONS
     
   Three Months Ended 
   March 31, 
(in thousands, except per share data)  2024   2023 
Interest income  $152,006   $132,316 
Interest expense   63,866    34,783 
Net interest income, non FTE   88,140    97,533 
Non-interest income          
Deposit related fees   8,305    8,311 
Loan related fees   2,663    2,469 
Gain on SBA loans   1,699    2,494 
Wealth management fees   2,884    2,739 
Fair value adjustments on securities   (115)   234 
Other   1,874    359 
Total non-interest income excluding sales of AFS securities   17,310    16,606 
(Loss) on sale of AFS securities   (49,909)   - 
Total non-interest income   (32,599)   16,606 
Total net revenue   55,541    114,139 
           
Provision expense for credit losses   6,000    8,999 
Non-interest expense          
Compensation and benefits   40,735    39,071 
Occupancy and equipment   8,698    9,379 
Technology   9,904    9,471 
Professional services   2,676    3,277 
Regulatory expenses   1,845    1,426 
Amortization of intangible assets   1,205    1,205 
Marketing   1,116    1,208 
Merger, restructuring and other non-operating expenses   3,617    (36)
Other expenses   6,224    6,954 
Total non-interest expense   76,020    71,955 
Total non-interest expense excluding non-operating expenses   72,403    71,991 
           
(Loss)/income before income taxes  $(26,479)  $33,185 
Income tax (benefit)/expense   (6,291)   5,548 
Net (loss)/income  $(20,188)  $27,637 
           
Basic (loss)/earnings per common share  $(0.47)  $0.63 
Diluted (loss)/earnings per common share  $(0.47)  $0.63 
           
Weighted average shares outstanding:          
Basic   42,777    43,693 
Diluted   43,028    44,036 

 

8

 

 

 

CONSOLIDATED STATEMENTS OF OPERATIONS (5 Quarter Trend)
 
   March 31,   Dec. 31,   Sept. 30,   June 30,   March 31, 
(in thousands, except per share data)  2024   2023   2023   2023   2023 
Interest income  $152,006   $150,537   $148,021   $145,425   $132,316 
Interest expense   63,866    62,116    57,687    52,666    34,783 
Net interest income, non FTE   88,140    88,421    90,334    92,759    97,533 
Non-interest income                         
Deposit related fees   8,305    8,481    8,792    8,571    8,311 
Loan related fees   2,663    2,058    2,879    3,189    2,469 
Gain on SBA loans   1,699    2,382    2,548    2,910    2,494 
Wealth management fees   2,884    2,394    2,481    2,583    2,739 
Fair value adjustments on securities   (115)   768    (467)   (22)   234 
Other   1,874    591    1,232    (137)   359 
Total non-interest income excluding sales of AFS securities   17,310    16,674    17,465    17,094    16,606 
Loss on sale of AFS securities   (49,909)   (25,057)   -    -    - 
Total non-interest income   (32,599)   (8,383)   17,465    17,094    16,606 
Total net revenue   55,541    80,038    107,799    109,853    114,139 
                          
Provision expense for credit losses   6,000    7,000    8,000    8,000    8,999 
Non-interest expense                         
Compensation and benefits   40,735    40,095    40,155    39,960    39,071 
Occupancy and equipment   8,698    8,553    8,816    8,970    9,379 
Technology   9,904    11,326    10,616    10,465    9,471 
Professional services   2,676    3,417    2,423    2,526    3,277 
Regulatory expenses   1,845    1,854    1,905    1,834    1,426 
Amortization of intangible assets   1,205    1,205    1,205    1,205    1,205 
Marketing   1,116    1,107    1,552    1,510    1,208 
Merger, restructuring and other non-operating expenses   3,617    3,669    2,607    21    (36)
Other expenses   6,224    7,766    7,234    7,557    6,954 
Total non-interest expense   76,020    78,992    76,513    74,048    71,955 
Total non-interest expense excluding non-operating expenses   72,403    75,323    73,906    74,027    71,991 
                          
(Loss)/income before income taxes  $(26,479)  $(5,954)  $23,286   $27,805   $33,185 
Income tax (benefit)/expense   (6,291)   (4,509)   3,741    3,944    5,548 
Net (loss)/income  $(20,188)  $(1,445)  $19,545   $23,861   $27,637 
                          
Diluted (loss)/earnings per common share  $(0.47)  $(0.03)  $0.45   $0.55   $0.63 
                          
Weighted average shares outstanding:                         
Basic   42,777    42,852    43,164    43,443    43,693 
Diluted   43,028    43,101    43,347    43,532    44,036 

 

9

 

 

 

AVERAGE BALANCES AND AVERAGE YIELDS AND COSTS
     
   Quarters Ended 
   March 31, 2024   December 31, 2023   March 31, 2023 
(in millions)  Average
Balance		   Interest (1)   Average
Yield/Rate		   Average
Balance		   Interest (1)   Average
Yield/Rate		   Average
Balance		   Interest (1)   Average
Yield/Rate		 
Assets                                             
Commercial real estate  $4,553   $75    6.53%  $4,469   $74    6.45%  $4,166   $61    5.88%
Commercial and industrial loans   1,355    26    7.64    1,367    26    7.60    1,527    26    6.92 
Residential mortgages   2,668    29    4.15    2,656    27    4.06    2,283    21    3.70 
Consumer loans   465    8    7.24    498    9    7.31    539    10    7.24 
Total loans   9,041    138    6.04    8,990    136    5.97    8,515    118    5.57 
Securities (2)   1,726    10    2.38    2,080    12    2.40    2,261    13    2.23 
Short-term investments and loans held for sale   489    6    5.07    350    4    4.22    313    3    4.24 
New York branch loans held for sale (3)   18    0    5.72    -    -    -    -    -    - 
Total earning assets   11,274    154    5.44    11,420    152    5.26    11,089    134    4.85 
Goodwill and other intangible assets   19              20              24           
Other assets   462              422              456           
Total assets  $11,755             $11,862             $11,569           
                                              
Liabilities and shareholders' equity                                             
Non-interest-bearing demand deposits  $2,348   $-    -%  $2,488   $-    -%  $2,706   $-    -%
NOW and other   799    3    1.37    833    3    1.38    1,456    6    1.64 
Money market   3,083    25    3.25    2,995    23    3.08    2,659    10    1.59 
Savings   1,038    3    0.97    1,062    2    0.90    1,047    -    0.10 
Time   2,561    26    4.07    2,558    25    3.77    1,808    10    2.13 
Total deposits   9,829    57    2.29    9,936    53    2.11    9,676    26    1.09 
Borrowings (4)   504    7    5.52    668    9    5.45    688    9    5.06 
New York branch non-interest-bearing deposits held for sale (3)   30    -    -    -    -    -    -    -    - 
New York branch interest-bearing deposits held for sale (3)   119    1    2.75    -    -    -    -    -    - 
Total funding liabilities   10,482    65    2.45    10,604    62    2.32    10,364    35    1.36 
                                              
Other liabilities   255              292              227           
Total liabilities   10,737              10,896              10,591           
                                              
Common shareholders' equity (5)   1,018              966              978           
Total shareholders' equity   1,018              966              978           
Total liabilities and shareholders' equity  $11,755             $11,862             $11,569           
Net interest margin, FTE             3.15              3.11              3.58 
                                              
Supplementary data                                             
Net Interest Income, non FTE   88.140              88.421              97.533           
FTE income adjustment   2.006              2.021              1.908           
Net Interest Income, FTE   90.146              90.442              99.441           

 

 

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

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

(3) New York branch loans and deposits moved to held for sale on March 4, 2024.

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

(5) Unrealized gains and losses, net of tax, are included in average equity. Prior period balances and financial metrics have been updated to reflect current presentation.

 

10

 

 

 

ASSET QUALITY ANALYSIS
     
   At or for the Quarters Ended 
   March 31,   Dec. 31,   Sept. 30,   June 30,   March 31, 
(in thousands)  2024   2023   2023   2023   2023 
NON-PERFORMING ASSETS                         
Commercial real estate  $4,762   $4,453   $5,288   $1,509   $2,546 
Commercial and industrial loans   9,174    8,712    11,028    15,597    12,155 
Residential mortgages   5,992    6,404    8,060    8,722    9,442 
Consumer loans   1,526    1,838    2,260    2,560    2,848 
Total non-performing loans   21,454    21,407    26,636    28,388    26,991 
Repossessed assets   2,689    2,601    2,548    2,549    2,462 
Total non-performing assets  $24,143   $24,008   $29,184   $30,937   $29,453 
                          
Total non-performing loans/total loans   0.24%   0.24%   0.30%   0.32%   0.31%
Total non-performing assets/total assets   0.20%   0.19%   0.24%   0.26%   0.24%
                          
PROVISION AND ALLOWANCE FOR CREDIT LOSSES ON LOANS                         
Balance at beginning of period  $105,357   $102,792   $100,219   $97,991   $96,270 
Adoption of ASU No. 2022-02   -    -    -    -    (401)
Balance after adoption of ASU No. 2022-02   105,357    102,792    100,219    97,991    95,869 
Charged-off loans   (5,636)   (6,891)   (6,744)   (7,686)   (7,936)
Recoveries on charged-off loans   1,610    2,456    1,317    1,914    1,059 
Net loans charged-off   (4,026)   (4,435)   (5,427)   (5,772)   (6,877)
Provision (benefit)/expense for loan credit losses   6,000    7,000    8,000    8,000    8,999 
Balance at end of period  $107,331   $105,357   $102,792   $100,219   $97,991 
                          
Allowance for credit losses/total loans   1.18%   1.17%   1.14%   1.13%   1.13%
Allowance for credit losses/non-performing loans   500%   492%   386%   353%   363%
                          
NET LOAN CHARGE-OFFS                         
Commercial real estate  $292   $316   $97   $664   $122 
Commercial and industrial loans   (1,772)   (2,309)   (3,345)   (4,146)   (5,695)
Residential mortgages   98    55    23    (143)   305 
Home equity   193    83    208    126    16 
Other consumer loans   (2,837)   (2,580)   (2,410)   (2,273)   (1,625)
Total, net  $(4,026)  $(4,435)  $(5,427)  $(5,772)  $(6,877)
                          
Net charge-offs (QTD annualized)/average loans   0.18%   0.20%   0.24%   0.26%   0.32%
Net charge-offs (YTD annualized)/average loans   0.18%   0.26%   0.28%   0.29%   0.32%

 

DELINQUENT AND NON-PERFORMING LOANS  Balance   Percent
of Total
Loans		   Balance   Percent of
Total
Loans		   Balance   Percent of
Total
Loans		   Balance   Percent of
Total
Loans		   Balance   Percent of
Total
Loans		 
30-89 Days delinquent  $27,682    0.30%  $22,140    0.24%  $18,700    0.21%  $15,147    0.17%  $14,210    0.16%
90+ Days delinquent and still accruing   5,882    0.06%   5,537    0.06%   5,744    0.06%   7,812    0.09%   6,937    0.08%
Total accruing delinquent loans   33,564    0.36%   27,677    0.30%   24,444    0.27%   22,959    0.26%   21,147    0.24%
Non-performing loans   21,454    0.24%   21,407    0.24%   26,636    0.30%   28,399    0.32%   26,991    0.31%
Total delinquent and non-performing loans  $55,018    0.60%  $49,084    0.54%  $51,080    0.57%  $51,358    0.58%  $48,138    0.55%

 

11

 

 

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 are intended to provide the reader with additional supplemental perspectives on operating results, performance trends, and financial condition. Non-GAAP financial measures 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 provided below. In all cases, it should be understood that non-GAAP measures do not depict amounts that accrue directly to the benefit of shareholders. An item which management excludes when computing non-GAAP operating earnings can be of substantial importance to the Company’s results for any particular quarter or year. The Company’s non-GAAP operating earnings information set forth is not necessarily comparable to non- GAAP information which may be presented by other companies. Each non-GAAP measure used by the Company in this report as supplemental financial data should be considered in conjunction with the Company’s GAAP financial information.

 

The Company utilizes the non-GAAP measure of operating earnings in evaluating operating trends, including components for operating revenue and expense. These measures exclude amounts which the Company views as unrelated to its normalized operations. These items primarily include restructuring costs. Restructuring costs generally consist of costs and losses associated with the disposition of assets and liabilities and lease terminations, including costs related to branch consolidations.

 

The Company also calculates operating earnings per share based on its measure of operating earnings and diluted common shares. The Company views these amounts as important to understanding its operating trends, particularly due to the impact of accounting standards related to merger and acquisition activity. Analysts also rely on these measures in estimating and evaluating the Company’s performance. Adjustments in 2024 were primarily related to branch sales and loss on sale of AFS securities. Adjustments in 2023 were primarily related to branch consolidations, severance charges related to a workforce reduction, and loss on sale of AFS securities.

 

Management believes that the computation of non-GAAP operating earnings and operating earnings per share may facilitate the comparison of the Company to other companies in the financial services industry. The Company also adjusts certain equity related measures to exclude intangible assets due to the importance of these measures to the investment community.

 

12

 

 

 

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES AND SUPPLEMENTARY DATA
        
      At or for the Quarters Ended 
      March 31,   Dec. 31,   Sept. 30,   June 30,   March 31, 
(in thousands)     2024   2023   2023   2023   2023 
Total non-interest income     $(32,599)  $(8,383)  $17,465   $17,094   $16,606 
Adj: Loss on sale of AFS securities      49,909    25,057    -    -    - 
Total operating non-interest income (1)     $17,310   $16,674   $17,465   $17,094   $16,606 
                             
Total revenue  (A)  $55,541   $80,038   $107,799   $109,853   $114,139 
Adj: Loss on sale of AFS securities      49,909    25,057    -    -    - 
Total operating revenue (1)  (B)  $105,450   $105,095   $107,799   $109,853   $114,139 
                             
Total non-interest expense  (C)  $76,020   $78,992   $76,513   $74,048   $71,955 
Adj: Merger, restructuring and other non-operating expenses      (3,617)   (3,669)   (2,607)   (21)   36 
Operating non-interest expense (1)  (D)  $72,403   $75,323   $73,906   $74,027   $71,991 
                             
Pre-tax, pre-provision net revenue (PPNR)  (A-C)  $(20,479)  $1,046   $31,286   $35,805   $42,184 
Operating pre-tax, pre-provision net revenue (PPNR) (1)  (B-D)   33,047    29,772    33,893    35,826    42,148 
                             
Net (loss)/income     $(20,188)  $(1,445)  $19,545   $23,861   $27,637 
Adj: Loss on sale of AFS securities      49,909    25,057    -    -    - 
Adj: Restructuring expense and other non-operating expenses      3,617    3,669    2,607    21    (36)
Adj: Income taxes (expense)/benefit      (12,404)   (7,091)   (636)   (4)   7 
Total operating income (1)  (E)  $20,934   $20,190   $21,516   $23,878   $27,608 
                             
(in millions, except per share data)                            
Total average assets  (F)  $11,755   $11,862   $11,860   $12,057   $11,569 
Total average shareholders' equity  (G)   1,018    966    988    1,004    978 
Total average tangible shareholders' equity (1)  (I)   999    946    967    981    954 
Total accumulated other comprehensive (loss) net of tax, end of period      (114)   (143)   (218)   (186)   (159)
Total tangible shareholders' equity, end of period (1)  (K)   991    993    930    951    972 
Total tangible assets, end of period (1)  (L)   12,128    12,411    12,119    12,068    12,297 
                             
Total common shares outstanding, end of period (thousands)                 (M)   43,415    43,501    43,822    44,033    44,411 
Average diluted shares outstanding (thousands)  (N)   43,028    43,101    43,347    43,532    44,036 
                             
Earnings per common share, diluted (1)     $(0.47)  $(0.03)  $0.45   $0.55   $0.63 
Operating earnings per common share, diluted (1)  (E/N)   0.49    0.47    0.50    0.55    0.63 
Tangible book value per common share, end of period (1)  (K/M)   22.84    22.82    21.23    21.60    21.89 
Total tangible shareholders' equity/total tangible assets (1)  (K/L)   8.17    8.00    7.68    7.88    7.91 
                             
Performance ratios (2)                            
Return on equity      (7.93)%   (0.60)   7.91%   9.51%   11.31%
Operating return on equity (1)  (E/G)   8.23    8.36    8.71    9.51    11.30 
Return on tangible common equity (1)(3)      (7.73)   (0.24)   8.45    10.09    11.96 
Operating return on tangible common equity (1)(3)  (E+Q)/(I)   8.73    8.90    9.27    10.09    11.96 
Return on assets      (0.69)   (0.05)   0.66    0.79    0.96 
Operating return on assets (1)  (E/F)   0.71    0.68    0.73    0.79    0.95 
Efficiency ratio (1)(6)  (D-Q)/(B+O+R)   66.26    67.77    65.05    63.57    59.51 
                             
                             
Supplementary data (in thousands)                            
Tax benefit on tax-credit investments (4)  (O)    N/M    $2,252   $1,979   $2,735   $2,897 
Non-interest income tax-credit investments amortization (5)  (P)    N/M     (2,060)   (1,463)   (2,210)   (2,285)
Net income on tax-credit investments  (O+P)    N/M     193    516    525    612 
Effective tax rate      23.8%   75.7%   16.1%   14.2%   16.7%
                             
Intangible amortization  (Q)  $1,205   $1,205   $1,205   $1,205   $1,205 
Fully taxable equivalent income adjustment  (R)   2,006    2,021    1,980    1,962    1,908 

 

 

(1) Non-GAAP financial measure.
(2) 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.
(3) Amortization of intangible assets is adjusted assuming a 27% marginal tax rate.
(4) The tax benefit is the direct reduction to the income tax provision due to tax credit investments.
(5) The non-interest income amortization is the reduction to the tax-advantaged investments and are incurred as the tax credits are generated.
(6) As of January 1, 2024, the Company elected the proportional amortization method for certain tax credits eliminating the need to adjust the efficiency ratio for tax credit impacts.

 

13

 

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Cover
Apr. 18, 2024
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Apr. 18, 2024
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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