XML 41 R26.htm IDEA: XBRL DOCUMENT v3.8.0.1

LOAN LOSS ALLOWANCE (Tables)

3 Months Ended

Mar. 31, 2018

Receivables [Abstract]

Schedule of Activity in the Allowance for Loan Losses

Activity in the allowance for loan losses for the three months ended March 31, 2018 and 2017 was as follows:

		At or for the three months ended March 31, 2018
Business Activities Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Balance at beginning of period		$	16,843			$	13,850			$	9,420			$	5,807			$	45,920
Charged-off loans		106				890				—				940				1,936
Recoveries on charged-off loans		23				44				—				74				141
Provision/(releases) for loan losses		1,081				225				(822		)		2,668				3,152
Balance at end of period		$	17,841			$	13,229			$	8,598			$	7,609			$	47,277

		At or for the three months ended March 31, 2017
Business Activities Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Balance at beginning of period		$	16,498			$	9,447			$	7,805			$	5,479			$	39,229
Charged-off loans		124				1,270				235				687				2,316
Recoveries on charged-off loans		58				16				15				86				175
Provision/(releases) for loan losses		(152		)		3,657				278				592				4,375
Balance at end of period		$	16,280			$	11,850			$	7,863			$	5,470			$	41,463

		At or for the three months ended March 31, 2018
Acquired Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Balance at beginning of period		$	3,856			$	1,125			$	598			$	335			$	5,914
Charged-off loans		740				155				431				529				1,855
Recoveries on charged-off loans		6				29				25				40				100
Provision for loan losses		873				244				854				452				2,423
Balance at end of period		$	3,995			$	1,243			$	1,046			$	298			$	6,582

		At or for the three months ended March 31, 2017
Acquired Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Balance at beginning of period		$	2,303			$	1,164			$	766			$	536			$	4,769
Charged-off loans		577				436				143				151				1,307
Recoveries on charged-off loans		10				55				39				55				159
Provision for loan losses		392				271				44				13				720
Balance at end of period		$	2,128			$	1,054			$	706			$	453			$	4,341

The following tables present a summary of the allowance for loan losses as of March 31, 2018 and December 31, 2017:

		At March 31, 2018
Business Activities Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Individually evaluated for impairment		174				296				137				2				609
Collectively evaluated for impairment		17,667				12,933				8,461				7,607				46,668
Total		$	17,841			$	13,229			$	8,598			$	7,609			$	47,277

		At December 31, 2017
Business Activities Loans (In thousands)		Commercial real estate			Commercial and industrial loans			Residential mortgages			Consumer			Total
Individually evaluated for impairment		229			66			130			35			460
Collectively evaluated for impairment		16,614			13,784			9,290			5,772			45,460
Total		16,843			13,850			9,420			5,807			45,920

		At March 31, 2018
Acquired Loans (In thousands)		Commercial real estate				Commercial and industrial loans				Residential mortgages				Consumer				Total
Individually evaluated for impairment		41				3				506				30				580
Collectively evaluated for impairment		3,954				1,240				540				268				6,002
Total		$	3,995			$	1,243			$	1,046			$	298			$	6,582

		At December 31, 2017
Acquired Loans (In thousands)		Commercial real estate			Commercial and industrial loans			Residential mortgages			Consumer			Total
Individually evaluated for impairment		56			1			9			45			111
Collectively evaluated for impairment		3,800			1,124			589			290			5,803
Total		3,856			1,125			598			335			5,914

Schedule of Loans by Risk Rating

The following tables present the Company’s loans by risk rating at March 31, 2018 and December 31, 2017:

Business Activities Loans

Commercial Real Estate

Credit Risk Profile by Creditworthiness Category

		Construction								Single and multi-family								Real Estate								Total commercial real estate
(In thousands)		March 31, 2018				December 31, 2017				March 31, 2018				December 31, 2017				March 31, 2018				December 31, 2017				March 31, 2018				December 31, 2017
Grade:
Pass		$	255,835			$	269,206			$	342,683			$	214,289			$	1,627,063			$	1,687,256			$	2,225,581			$	2,170,751
Special mention		—				—				2,064				504				47,909				12,999				49,973				13,503
Substandard		—				—				433				2,290				5,516				31,163				5,949				33,453
Total		$	255,835			$	269,206			$	345,180			$	217,083			$	1,680,488			$	1,731,418			$	2,281,503			$	2,217,707

Commercial and Industrial Loans

Credit Risk Profile by Creditworthiness Category

			Total comm. and industrial loans
(In thousands)			March 31, 2018				December 31, 2017
Grade:
Pass			$	1,168,102			$	1,156,240
Special mention			21,668				12,806
Substandard			3,517				11,123
Doubtful			2,355				2,400
Total			$	1,195,642			$	1,182,569

Residential Mortgages

Credit Risk Profile by Internally Assigned Grade

		1-4 family								Construction								Total residential mortgages
(In thousands)		March 31, 2018				December 31, 2017				March 31, 2018				December 31, 2017				March 31, 2018				December 31, 2017
Grade:
Pass		$	1,897,584			$	1,805,596			$	6,121			$	5,177			$	1,903,705			$	1,810,773
Special mention		968				242				—				—				968				242
Substandard		2,040				2,186				—				—				2,040				2,186
Total		$	1,900,592			$	1,808,024			$	6,121			$	5,177			$	1,906,713			$	1,813,201

Consumer Loans

Credit Risk Profile Based on Payment Activity

		Home equity								Auto and other								Total consumer loans
(In thousands)		March 31, 2018				December 31, 2017				March 31, 2018				December 31, 2017				March 31, 2018				December 31, 2017
Performing		$	288,496			$	293,327			$	606,064			$	602,313			$	894,560			$	895,640
Nonperforming		2,598				1,627				1,662				1,454				4,260				3,081
Total		$	291,094			$	294,954			$	607,726			$	603,767			$	898,820			$	898,721

Acquired Loans

Commercial Real Estate

Credit Risk Profile by Creditworthiness Category

		Construction								Single and multi-family								Real Estate								Total commercial real estate
(In thousands)		March 31,2018				December 31, 2017				March 31,2018				December 31, 2017				March 31,2018				December 31, 2017				March 31,2018				December 31, 2017
Grade:
Pass		$	83,117			$	76,611			$	191,691			$	203,624			$	628,186			$	684,846			$	902,994			$	965,081
Special mention		8,351				—				5,121				603				64,632				22,070				78,104				22,673
Substandard		—				8,354				228				1,855				3,908				49,072				4,136				59,281
Total		$	91,468			$	84,965			$	197,040			$	206,082			$	696,726			$	755,988			$	985,234			$	1,047,035

Commercial and Industrial Loans

Credit Risk Profile by Creditworthiness Category

			Total comm. and industrial loans
(In thousands)			March 31, 2018				December 31, 2017
Grade:
Pass			$	604,890			$	606,922
Special mention			16,884				1,241
Substandard			1,558				13,207
Total			$	623,332			$	621,370

Residential Mortgages

Credit Risk Profile by Internally Assigned Grade

		1-4 family								Construction								Total residential mortgages
(In thousands)		March 31, 2018				December 31, 2017				March 31, 2018				December 31, 2017				March 31, 2018				December 31, 2017
Grade:
Pass		$	266,514			$	281,160			$	204			$	233			$	266,718			$	281,393
Special mention		4,640				2,704				—				—				4,640				2,704
Substandard		3,736				5,509				—				—				3,736				5,509
Total		$	274,890			$	289,373			$	204			$	233			$	275,094			$	289,606

Consumer Loans

Credit Risk Profile Based on Payment Activity

		Home equity								Auto and other								Total consumer loans
(In thousands)		March 31, 2018				December 31, 2017				March 31, 2018				December 31, 2017				March 31, 2018				December 31, 2017
Performing		$	107,768			$	113,262			$	100,575			$	113,510			$	208,343			$	226,772
Nonperforming		1,251				1,965				485				392				1,736				2,357
Total		$	109,019			$	115,227			$	101,060			$	113,902			$	210,079			$	229,129

Summary of Information About Total Loans Rated Special Mention or Lower

The following table summarizes information about total loans rated Special Mention or lower as of March 31, 2018 and December 31, 2017. The table below includes consumer loans that are special mention and substandard accruing that are classified in the above table as performing based on payment activity.

		March 31, 2018												December 31, 2017
(In thousands)		Business Activities Loans				Acquired Loans				Total				Business Activities Loans				Acquired Loans				Total
Non-Accrual		$	18,121			$	11,166			$	29,287			$	15,659			$	7,240			$	22,899
Substandard Accruing		39,344				81,849				121,193				36,846				73,412				110,258
Total Classified		57,465				93,015				150,480				52,505				80,652				133,157
Special Mention		34,267				18,210				52,477				28,387				26,802				55,189
Total Criticized		$	91,732			$	111,225			$	202,957			$	80,892			$	107,454			$	188,346

X

- Definition

Tabular disclosure of financing receivables, rated as special mention or lower.

+ References

No definition available.

+ Details

Name:	bhlb_ScheduleOfFinancingReceivableRatedSpecialMentionOrLowerTableTextBlock
Namespace Prefix:	bhlb_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953423-111524

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=82894031&loc=SL6953803-111525

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953659-111524

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_ReceivablesAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration