<p>伯克希爾山銀行最近的財報電話會議展現了平衡的情緒，反映了成就與挑戰並存。成功的合併整合和強勁的存款增長被強調為積極的發展，同時股息的顯著增加和對貸款增長的樂觀展望也得到了關注。然而，本季度也因合併相關費用、增加的壞賬和辦公貸款組合的困難而出現了 GAAP 虧損。</p>
<h2>成功的合併與整合</h2>
<p>布魯克萊恩與伯克希爾的合併於 9 月 1 日完成，形成了資產達 230 億美元的燈塔金融公司。整合過程進展順利，客户服務人才的強勁保留和員工的熱情表明過渡順利，未來前景光明。</p>
<h2>客户存款的增加</h2>
<p>合併後，公司客户存款合計增加了 8900 萬美元。這一增長表明客户保留情況良好，並暗示進一步擴展的潛力，增強了對公司戰略方向的信心。</p>
<h2>強勁的股息增長</h2>
<p>伯克希爾山銀行宣佈季度股息大幅增加至每股 0.3225 美元，較伯克希爾股東的股息增長了 79%。此舉強調了公司對股東價值的承諾和維持財務穩定的決心。</p>
<h2>對貸款增長的樂觀展望</h2>
<p>公司對貸款增長表示樂觀，預計利息收益資產將實現中個位數的增長。這一增長得益於強勁的商業和工業貸款，吸引人的利率略低於 7%。</p>
<h2>穩定的非利息收入運行率</h2>
<p>9 月份的非利息收入報告為 850 萬美元，表明季度運行率在 2500 萬到 2600 萬美元之間。這一穩定的收入流有助於公司的整體財務健康。</p>
<h2>本季度的 GAAP 虧損</h2>
<p>儘管有積極的發展，公司在第三季度報告了 5600 萬美元或每股 0.64 美元的 GAAP 虧損。這一虧損主要是由於與合併費用和準備金費用相關的重大税前費用。</p>
<h2>增加的壞賬</h2>
<p>本季度的淨壞賬為 1580 萬美元，主要來自東部融資組合。公司預計在解決不良資產時，壞賬將持續增加，因此需要謹慎管理。</p>
<h2>辦公貸款組合的挑戰</h2>
<p>辦公貸款組合面臨重大挑戰，包括一筆 1240 萬美元的波士頓辦公貸款目前正在市場上出售。為應對這些問題，已經設立了大量準備金。</p>
<h2>高水平的受批評辦公貸款</h2>
<p>受批評的辦公貸款增加至 1.34 億美元，其中一些貸款將在未來幾個季度到期。這種情況需要謹慎管理，以減輕潛在風險和財務影響。</p>
<h2>前瞻性指導</h2>
<p>燈塔金融公司提供了合併後財務表現和戰略舉措的全面概述。合併實體報告資產 230 億美元，存款 190 億美元，貸款 180 億美元。儘管出現 GAAP 虧損，但在合併費用和特殊費用之前，運營收益約為 3850 萬美元或每股 0.44 美元。管理層對實現合併帶來的成本協同和維持強勁財務狀況持樂觀態度。</p>
<p>總之，伯克希爾山銀行的財報電話會議反映了平衡的情緒，在合併整合、存款增長和股息增加方面取得了顯著成就。然而，GAAP 虧損和增加的壞賬等挑戰也顯而易見。公司的前瞻性指導表明對實現成本協同和維持財務穩定的樂觀和戰略關注。</p>

伯克希爾山銀行

<p>伯克希爾山銀行的財報電話會議透露了一個平衡的前景，強調了成功的併購整合、強勁的存款增長，以及每股 79% 的顯著股息增加至 0.3225 美元。然而，公司因併購相關費用和 1580 萬美元的高額減值損失，報告了 5600 萬美元的 GAAP 虧損。儘管辦公貸款組合面臨挑戰，管理層對貸款增長和併購後實現成本協同持樂觀態度，重點關注保持財務穩定</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>伯克希爾山銀行最近的財報電話會議展現了平衡的情緒，反映了成就與挑戰並存。成功的合併整合和強勁的存款增長被強調為積極的發展，同時股息的顯著增加和對貸款增長的樂觀展望也得到了關注。然而，本季度也因合併相關費用、增加的壞賬和辦公貸款組合的困難而出現了 GAAP 虧損。</p>
</div><h2>Successful Merger and Integration</h2>
<div class="lb-trans"><h2>成功的合併與整合</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>布魯克萊恩與伯克希爾的合併於 9 月 1 日完成，形成了資產達 230 億美元的燈塔金融公司。整合過程進展順利，客户服務人才的強勁保留和員工的熱情表明過渡順利，未來前景光明。</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>合併後，公司客户存款合計增加了 8900 萬美元。這一增長表明客户保留情況良好，並暗示進一步擴展的潛力，增強了對公司戰略方向的信心。</p>
</div><h2>Strong Dividend Increase</h2>
<div class="lb-trans"><h2>強勁的股息增長</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>伯克希爾山銀行宣佈季度股息大幅增加至每股 0.3225 美元，較伯克希爾股東的股息增長了 79%。此舉強調了公司對股東價值的承諾和維持財務穩定的決心。</p>
</div><h2>Optimistic Outlook on Loan Growth</h2>
<div class="lb-trans"><h2>對貸款增長的樂觀展望</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>公司對貸款增長表示樂觀，預計利息收益資產將實現中個位數的增長。這一增長得益於強勁的商業和工業貸款，吸引人的利率略低於 7%。</p>
</div><h2>Solid Noninterest Income Run Rate</h2>
<div class="lb-trans"><h2>穩定的非利息收入運行率</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 月份的非利息收入報告為 850 萬美元，表明季度運行率在 2500 萬到 2600 萬美元之間。這一穩定的收入流有助於公司的整體財務健康。</p>
</div><h2>GAAP Loss for the Quarter</h2>
<div class="lb-trans"><h2>本季度的 GAAP 虧損</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>儘管有積極的發展，公司在第三季度報告了 5600 萬美元或每股 0.64 美元的 GAAP 虧損。這一虧損主要是由於與合併費用和準備金費用相關的重大税前費用。</p>
</div><h2>Elevated Charge-Offs</h2>
<div class="lb-trans"><h2>增加的壞賬</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>本季度的淨壞賬為 1580 萬美元，主要來自東部融資組合。公司預計在解決不良資產時，壞賬將持續增加，因此需要謹慎管理。</p>
</div><h2>Challenges in Office Loan Portfolio</h2>
<div class="lb-trans"><h2>辦公貸款組合的挑戰</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>辦公貸款組合面臨重大挑戰，包括一筆 1240 萬美元的波士頓辦公貸款目前正在市場上出售。為應對這些問題，已經設立了大量準備金。</p>
</div><h2>High Level of Criticized Office Loans</h2>
<div class="lb-trans"><h2>高水平的受批評辦公貸款</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>受批評的辦公貸款增加至 1.34 億美元，其中一些貸款將在未來幾個季度到期。這種情況需要謹慎管理，以減輕潛在風險和財務影響。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指導</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>燈塔金融公司提供了合併後財務表現和戰略舉措的全面概述。合併實體報告資產 230 億美元，存款 190 億美元，貸款 180 億美元。儘管出現 GAAP 虧損，但在合併費用和特殊費用之前，運營收益約為 3850 萬美元或每股 0.44 美元。管理層對實現合併帶來的成本協同和維持強勁財務狀況持樂觀態度。</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>總之，伯克希爾山銀行的財報電話會議反映了平衡的情緒，在合併整合、存款增長和股息增加方面取得了顯著成就。然而，GAAP 虧損和增加的壞賬等挑戰也顯而易見。公司的前瞻性指導表明對實現成本協同和維持財務穩定的樂觀和戰略關注。</p>
</div>

伯克希爾山銀行的收益電話會議：展望平衡