<p>伯克希尔山银行最近的财报电话会议展现了平衡的情绪，反映了成就与挑战并存。成功的合并整合和强劲的存款增长被强调为积极的发展，同时股息的显著增加和对贷款增长的乐观展望也得到了关注。然而，本季度也因合并相关费用、增加的坏账和办公贷款组合的困难而出现了 GAAP 亏损。</p>
<h2>成功的合并与整合</h2>
<p>布鲁克莱恩与伯克希尔的合并于 9 月 1 日完成，形成了资产达 230 亿美元的灯塔金融公司。整合过程进展顺利，客户服务人才的强劲保留和员工的热情表明过渡顺利，未来前景光明。</p>
<h2>客户存款的增加</h2>
<p>合并后，公司客户存款合计增加了 8900 万美元。这一增长表明客户保留情况良好，并暗示进一步扩展的潜力，增强了对公司战略方向的信心。</p>
<h2>强劲的股息增长</h2>
<p>伯克希尔山银行宣布季度股息大幅增加至每股 0.3225 美元，较伯克希尔股东的股息增长了 79%。此举强调了公司对股东价值的承诺和维持财务稳定的决心。</p>
<h2>对贷款增长的乐观展望</h2>
<p>公司对贷款增长表示乐观，预计利息收益资产将实现中个位数的增长。这一增长得益于强劲的商业和工业贷款，吸引人的利率略低于 7%。</p>
<h2>稳定的非利息收入运行率</h2>
<p>9 月份的非利息收入报告为 850 万美元，表明季度运行率在 2500 万到 2600 万美元之间。这一稳定的收入流有助于公司的整体财务健康。</p>
<h2>本季度的 GAAP 亏损</h2>
<p>尽管有积极的发展，公司在第三季度报告了 5600 万美元或每股 0.64 美元的 GAAP 亏损。这一亏损主要是由于与合并费用和准备金费用相关的重大税前费用。</p>
<h2>增加的坏账</h2>
<p>本季度的净坏账为 1580 万美元，主要来自东部融资组合。公司预计在解决不良资产时，坏账将持续增加，因此需要谨慎管理。</p>
<h2>办公贷款组合的挑战</h2>
<p>办公贷款组合面临重大挑战，包括一笔 1240 万美元的波士顿办公贷款目前正在市场上出售。为应对这些问题，已经设立了大量准备金。</p>
<h2>高水平的受批评办公贷款</h2>
<p>受批评的办公贷款增加至 1.34 亿美元，其中一些贷款将在未来几个季度到期。这种情况需要谨慎管理，以减轻潜在风险和财务影响。</p>
<h2>前瞻性指导</h2>
<p>灯塔金融公司提供了合并后财务表现和战略举措的全面概述。合并实体报告资产 230 亿美元，存款 190 亿美元，贷款 180 亿美元。尽管出现 GAAP 亏损，但在合并费用和特殊费用之前，运营收益约为 3850 万美元或每股 0.44 美元。管理层对实现合并带来的成本协同和维持强劲财务状况持乐观态度。</p>
<p>总之，伯克希尔山银行的财报电话会议反映了平衡的情绪，在合并整合、存款增长和股息增加方面取得了显著成就。然而，GAAP 亏损和增加的坏账等挑战也显而易见。公司的前瞻性指导表明对实现成本协同和维持财务稳定的乐观和战略关注。</p>

伯克希尔山银行

<p>伯克希尔山银行的财报电话会议透露了一个平衡的前景，强调了成功的并购整合、强劲的存款增长，以及每股 79% 的显著股息增加至 0.3225 美元。然而，公司因并购相关费用和 1580 万美元的高额减值损失，报告了 5600 万美元的 GAAP 亏损。尽管办公贷款组合面临挑战，管理层对贷款增长和并购后实现成本协同持乐观态度，重点关注保持财务稳定</p>

<p>Berkshire Hills Bancorp’s recent earnings call presented a balanced sentiment, reflecting both achievements and challenges. The successful integration of the merger and strong deposit growth were highlighted as positive developments, alongside a significant increase in dividends and an optimistic outlook on loan growth. However, the quarter was also marked by a GAAP loss due to merger-related charges, elevated charge-offs, and difficulties within the office loan portfolio.</p>
<div class="lb-trans"><p>伯克希尔山银行最近的财报电话会议展现了平衡的情绪，反映了成就与挑战并存。成功的合并整合和强劲的存款增长被强调为积极的发展，同时股息的显著增加和对贷款增长的乐观展望也得到了关注。然而，本季度也因合并相关费用、增加的坏账和办公贷款组合的困难而出现了 GAAP 亏损。</p>
</div><h2>Successful Merger and Integration</h2>
<div class="lb-trans"><h2>成功的合并与整合</h2>
</div><p>The merger between Brookline and Berkshire was completed on September 1, resulting in the formation of Beacon Financial Corporation with $23 billion in assets. The integration process is on track, with strong retention of client-facing talent and enthusiasm among employees, signaling a smooth transition and promising future prospects.</p>
<div class="lb-trans"><p>布鲁克莱恩与伯克希尔的合并于 9 月 1 日完成，形成了资产达 230 亿美元的灯塔金融公司。整合过程进展顺利，客户服务人才的强劲保留和员工的热情表明过渡顺利，未来前景光明。</p>
</div><h2>Increase in Customer Deposits</h2>
<div class="lb-trans"><h2>客户存款的增加</h2>
</div><p>Post-merger, the company saw a combined increase in customer deposits by $89 million. This growth indicates strong client retention and suggests potential for further expansion, reinforcing confidence in the company’s strategic direction.</p>
<div class="lb-trans"><p>合并后，公司客户存款合计增加了 8900 万美元。这一增长表明客户保留情况良好，并暗示进一步扩展的潜力，增强了对公司战略方向的信心。</p>
</div><h2>Strong Dividend Increase</h2>
<div class="lb-trans"><h2>强劲的股息增长</h2>
</div><p>Berkshire Hills Bancorp announced a substantial quarterly dividend increase to $0.3225 per share, representing a 79% rise for Berkshire shareholders. This move underscores the company’s commitment to delivering shareholder value and maintaining financial stability.</p>
<div class="lb-trans"><p>伯克希尔山银行宣布季度股息大幅增加至每股 0.3225 美元，较伯克希尔股东的股息增长了 79%。此举强调了公司对股东价值的承诺和维持财务稳定的决心。</p>
</div><h2>Optimistic Outlook on Loan Growth</h2>
<div class="lb-trans"><h2>对贷款增长的乐观展望</h2>
</div><p>The company expressed optimism about loan growth, anticipating mid-single-digit growth in interest-earning assets. This is driven by robust commercial and industrial lending, with attractive interest rates just below 7%.</p>
<div class="lb-trans"><p>公司对贷款增长表示乐观，预计利息收益资产将实现中个位数的增长。这一增长得益于强劲的商业和工业贷款，吸引人的利率略低于 7%。</p>
</div><h2>Solid Noninterest Income Run Rate</h2>
<div class="lb-trans"><h2>稳定的非利息收入运行率</h2>
</div><p>Noninterest income for September was reported at $8.5 million, indicating a quarterly run rate between $25 million to $26 million. This steady income stream contributes to the company’s overall financial health.</p>
<div class="lb-trans"><p>9 月份的非利息收入报告为 850 万美元，表明季度运行率在 2500 万到 2600 万美元之间。这一稳定的收入流有助于公司的整体财务健康。</p>
</div><h2>GAAP Loss for the Quarter</h2>
<div class="lb-trans"><h2>本季度的 GAAP 亏损</h2>
</div><p>Despite positive developments, the company reported a GAAP loss of $56 million or $0.64 per share for the third quarter. This loss was primarily due to significant pretax charges related to merger expenses and provision expenses.</p>
<div class="lb-trans"><p>尽管有积极的发展，公司在第三季度报告了 5600 万美元或每股 0.64 美元的 GAAP 亏损。这一亏损主要是由于与合并费用和准备金费用相关的重大税前费用。</p>
</div><h2>Elevated Charge-Offs</h2>
<div class="lb-trans"><h2>增加的坏账</h2>
</div><p>Net charge-offs for the quarter were $15.8 million, mainly from the Eastern Funding portfolio. The company anticipates continued elevated charge-offs as it resolves substandard assets, necessitating careful management.</p>
<div class="lb-trans"><p>本季度的净坏账为 1580 万美元，主要来自东部融资组合。公司预计在解决不良资产时，坏账将持续增加，因此需要谨慎管理。</p>
</div><h2>Challenges in Office Loan Portfolio</h2>
<div class="lb-trans"><h2>办公贷款组合的挑战</h2>
</div><p>The office loan portfolio faced significant challenges, including a $12.4 million office loan in Boston now being marketed for sale. A substantial reserve is already in place to address these issues.</p>
<div class="lb-trans"><p>办公贷款组合面临重大挑战，包括一笔 1240 万美元的波士顿办公贷款目前正在市场上出售。为应对这些问题，已经设立了大量准备金。</p>
</div><h2>High Level of Criticized Office Loans</h2>
<div class="lb-trans"><h2>高水平的受批评办公贷款</h2>
</div><p>Criticized office loans have increased to $134 million, with some loans maturing in the coming quarters. This situation requires diligent management to mitigate potential risks and financial impacts.</p>
<div class="lb-trans"><p>受批评的办公贷款增加至 1.34 亿美元，其中一些贷款将在未来几个季度到期。这种情况需要谨慎管理，以减轻潜在风险和财务影响。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指导</h2>
</div><p>Beacon Financial Corporation provided a comprehensive overview of their financial performance and strategic initiatives post-merger. The combined entity reported $23 billion in assets, $19 billion in deposits, and $18 billion in loans. Despite a GAAP loss, operating earnings were approximately $38.5 million or $0.44 per share before merger expenses and special charges. The management is optimistic about achieving cost synergies from the merger and maintaining a strong financial position.</p>
<div class="lb-trans"><p>灯塔金融公司提供了合并后财务表现和战略举措的全面概述。合并实体报告资产 230 亿美元，存款 190 亿美元，贷款 180 亿美元。尽管出现 GAAP 亏损，但在合并费用和特殊费用之前，运营收益约为 3850 万美元或每股 0.44 美元。管理层对实现合并带来的成本协同和维持强劲财务状况持乐观态度。</p>
</div><p>In conclusion, Berkshire Hills Bancorp’s earnings call reflected a balanced sentiment, with notable achievements in merger integration, deposit growth, and dividend increases. However, challenges such as a GAAP loss and elevated charge-offs were also evident. The company’s forward-looking guidance suggests optimism and strategic focus on achieving cost synergies and maintaining financial stability.</p>
<div class="lb-trans"><p>总之，伯克希尔山银行的财报电话会议反映了平衡的情绪，在合并整合、存款增长和股息增加方面取得了显著成就。然而，GAAP 亏损和增加的坏账等挑战也显而易见。公司的前瞻性指导表明对实现成本协同和维持财务稳定的乐观和战略关注。</p>
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伯克希尔山银行的收益电话会议：展望平衡