XML 42 R30.htm IDEA: XBRL DOCUMENT
v3.19.2

LOAN LOSS ALLOWANCE (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2019
Receivables [Abstract] |
Schedule of Activity in the Allowance for Loan Losses | Activity in the allowance for loan losses for the three and six months ended June 30, 2019 and 2018 was as follows:
|  | At or for the three months ended June 30, 2019
Business Activities Loans (In thousands) |  | Commercial real estate |  | Commercial and industrial loans |  | Residential mortgages |  | Consumer |  | Total
Balance at beginning of period |  | $ | 22,521 |  |  | $ | 18,247 |  |  | $ | 9,209 |  |  | $ | 6,235 |  |  | $ | 56,212 |
Charged-off loans |  | 702 |  |  | 1,180 |  |  | 206 |  |  | 857 |  |  | 2,945 |
Recoveries on charged-off loans |  | 67 |  |  | 119 |  |  | 43 |  |  | 79 |  |  | 308 |
Provision/(releases) for loan losses |  | 522 |  |  | 1,663 |  |  | (212 | ) |  | (116 | ) |  | 1,857 |
Balance at end of period |  | $ | 22,408 |  |  | $ | 18,849 |  |  | $ | 8,834 |  |  | $ | 5,341 |  |  | $ | 55,432 |
|  | At or for the six months ended June 30, 2019
Business Activities Loans (In thousands) |  | Commercial real estate |  | Commercial and industrial loans |  | Residential mortgages |  | Consumer |  | Total
Balance at beginning of period |  | $ | 21,732 |  |  | $ | 16,504 |  |  | $ | 10,535 |  |  | $ | 7,368 |  |  | $ | 56,139 |
Charged-off loans |  | 1,958 |  |  | 2,856 |  |  | 248 |  |  | 1,776 |  |  | 6,838 |
Recoveries on charged-off loans |  | 275 |  |  | 426 |  |  | 58 |  |  | 133 |  |  | 892 |
Provision/(releases) for loan losses |  | 2,359 |  |  | 4,775 |  |  | (1,511 | ) |  | (384 | ) |  | 5,239 |
Balance at end of period |  | $ | 22,408 |  |  | $ | 18,849 |  |  | $ | 8,834 |  |  | $ | 5,341 |  |  | $ | 55,432 |
|  | At or for the three months ended June 30, 2018
Business Activities Loans (In thousands) |  | Commercial real estate |  | Commercial and industrial loans |  | Residential mortgages |  | Consumer |  | Total
Balance at beginning of period |  | $ | 17,841 |  |  | $ | 13,229 |  |  | $ | 8,598 |  |  | $ | 7,609 |  |  | $ | 47,277 |
Charged-off loans |  | 1,392 |  |  | 1,706 |  |  | 27 |  |  | 837 |  |  | 3,962 |
Recoveries on charged-off loans |  | 26 |  |  | 447 |  |  | 6 |  |  | 135 |  |  | 614 |
Provision/(releases) for loan losses |  | 2,676 |  |  | 2,685 |  |  | 853 |  |  | 171 |  |  | 6,385 |
Balance at end of period |  | $ | 19,151 |  |  | $ | 14,655 |  |  | $ | 9,430 |  |  | $ | 7,078 |  |  | $ | 50,314 |
|  | At or for the six months ended June 30, 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 |  | 1,498 |  |  | 2,596 |  |  | 27 |  |  | 1,777 |  |  | 5,898 |
Recoveries on charged-off loans |  | 49 |  |  | 491 |  |  | 6 |  |  | 209 |  |  | 755 |
Provision/(releases) for loan losses |  | 3,757 |  |  | 2,910 |  |  | 31 |  |  | 2,839 |  |  | 9,537 |
Balance at end of period |  | $ | 19,151 |  |  | $ | 14,655 |  |  | $ | 9,430 |  |  | $ | 7,078 |  |  | $ | 50,314 |
|  | At or for the three months ended June 30, 2019
Acquired Loans (In thousands) |  | Commercial real estate |  | Commercial and industrial loans |  | Residential mortgages |  | Consumer |  | Total
Balance at beginning of period |  | $ | 3,910 |  |  | $ | 879 |  |  | $ | 622 |  |  | $ | 415 |  |  | $ | 5,826 |
Charged-off loans |  | 624 |  |  | 109 |  |  | 31 |  |  | 257 |  |  | 1,021 |
Recoveries on charged-off loans |  | 24 |  |  | 175 |  |  | 55 |  |  | 55 |  |  | 309 |
Provision/(releases) for loan losses |  | 1,252 |  |  | (75 | ) |  | 236 |  |  | 197 |  |  | 1,610 |
Balance at end of period |  | $ | 4,562 |  |  | $ | 870 |  |  | $ | 882 |  |  | $ | 410 |  |  | $ | 6,724 |
|  | At or for the six months ended June 30, 2019
Acquired Loans (In thousands) |  | Commercial real estate |  | Commercial and industrial loans |  | Residential mortgages |  | Consumer |  | Total
Balance at beginning of period |  | $ | 3,153 |  |  | $ | 1,064 |  |  | $ | 630 |  |  | $ | 483 |  |  | $ | 5,330 |
Charged-off loans |  | 804 |  |  | 371 |  |  | 104 |  |  | 428 |  |  | 1,707 |
Recoveries on charged-off loans |  | 500 |  |  | 226 |  |  | 60 |  |  | 86 |  |  | 872 |
Provision/(releases) for loan losses |  | 1,713 |  |  | (49 | ) |  | 296 |  |  | 269 |  |  | 2,229 |
Balance at end of period |  | $ | 4,562 |  |  | $ | 870 |  |  | $ | 882 |  |  | $ | 410 |  |  | $ | 6,724 |
|  | At or for the three months ended June 30, 2018
Acquired Loans (In thousands) |  | Commercial real estate |  | Commercial and industrial loans |  | Residential mortgages |  | Consumer |  | Total
Balance at beginning of period |  | $ | 3,995 |  |  | $ | 1,243 |  |  | $ | 1,046 |  |  | $ | 298 |  |  | $ | 6,582 |
Charged-off loans |  | 972 |  |  | — |  |  | 622 |  |  | 164 |  |  | 1,758 |
Recoveries on charged-off loans |  | 259 |  |  | 66 |  |  | 11 |  |  | 304 |  |  | 640 |
Provision/(releases) for loan losses |  | 100 |  |  | (182 | ) |  | 183 |  |  | 46 |  |  | 147 |
Balance at end of period |  | $ | 3,382 |  |  | $ | 1,127 |  |  | $ | 618 |  |  | $ | 484 |  |  | $ | 5,611 |
|  | At or for the six months ended June 30, 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 |  | 1,712 |  |  | 155 |  |  | 1,053 |  |  | 693 |  |  | 3,613 |
Recoveries on charged-off loans |  | 265 |  |  | 95 |  |  | 36 |  |  | 344 |  |  | 740 |
Provision/(releases) for loan losses |  | 973 |  |  | 62 |  |  | 1,037 |  |  | 498 |  |  | 2,570 |
Balance at end of period |  | $ | 3,382 |  |  | $ | 1,127 |  |  | $ | 618 |  |  | $ | 484 |  |  | $ | 5,611 |
The following tables present a summary of the allowance for loan losses as of June 30, 2019 and December 31, 2018:
|  | At June 30, 2019
Business Activities Loans (In thousands) |  | Commercial real estate |  | Commercial and industrial loans |  | Residential mortgages |  | Consumer |  | Total
Individually evaluated for impairment |  | 7 |  |  | 42 |  |  | 78 |  |  | 7 |  |  | 134 |
Collectively evaluated for impairment |  | 22,401 |  |  | 18,807 |  |  | 8,756 |  |  | 5,334 |  |  | 55,298 |
Total |  | $ | 22,408 |  |  | $ | 18,849 |  |  | $ | 8,834 |  |  | $ | 5,341 |  |  | $ | 55,432 |
|  | At December 31, 2018
Business Activities Loans (In thousands) |  | Commercial real estate |  | Commercial and industrial loans |  | Residential mortgages |  | Consumer |  | Total
Individually evaluated for impairment |  | 9 |  |  | 49 |  |  | 128 |  |  | 11 |  |  | 197 |
Collectively evaluated for impairment |  | 21,723 |  |  | 16,455 |  |  | 10,407 |  |  | 7,357 |  |  | 55,942 |
Total |  | 21,732 |  |  | 16,504 |  |  | 10,535 |  |  | 7,368 |  |  | 56,139 |
|  | At June 30, 2019
Acquired Loans (In thousands) |  | Commercial real estate |  | Commercial and industrial loans |  | Residential mortgages |  | Consumer |  | Total
Individually evaluated for impairment |  | 84 |  |  | — |  |  | 8 |  |  | 7 |  |  | 99 |
Collectively evaluated for impairment |  | 4,478 |  |  | 870 |  |  | 874 |  |  | 403 |  |  | 6,625 |
Total |  | $ | 4,562 |  |  | $ | 870 |  |  | $ | 882 |  |  | $ | 410 |  |  | $ | 6,724 |
|  | At December 31, 2018
Acquired Loans (In thousands) |  | Commercial real estate |  | Commercial and industrial loans |  | Residential mortgages |  | Consumer |  | Total
Individually evaluated for impairment |  | 9 |  |  | 4 |  |  | 36 |  |  | 48 |  |  | 97 |
Collectively evaluated for impairment |  | 3,144 |  |  | 1,060 |  |  | 594 |  |  | 435 |  |  | 5,233 |
Total |  | 3,153 |  |  | 1,064 |  |  | 630 |  |  | 483 |  |  | 5,330 |
Schedule of Loans by Risk Rating | The following tables present the Company’s loans by risk rating at June 30, 2019 and December 31, 2018: Business Activities Loans Commercial Real Estate Credit Risk Profile by Creditworthiness Category
|  | Construction |  | Real Estate |  | Total commercial real estate
(In thousands) |  | June 30, 2019 |  | December 31, 2018 |  | June 30, 2019 |  | December 31, 2018 |  | June 30, 2019 |  | December 31, 2018
Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 300,996 |  |  | $ | 327,792 |  |  | $ | 2,283,244 |  |  | $ | 2,198,129 |  |  | $ | 2,584,240 |  |  | $ | 2,525,921 |
Special mention |  | — |  |  | — |  |  | 24,154 |  |  | 9,805 |  |  | 24,154 |  |  | 9,805 |
Substandard |  | — |  |  | — |  |  | 51,104 |  |  | 52,985 |  |  | 51,104 |  |  | 52,985 |
Total |  | $ | 300,996 |  |  | $ | 327,792 |  |  | $ | 2,358,502 |  |  | $ | 2,260,919 |  |  | $ | 2,659,498 |  |  | $ | 2,588,711 |
Commercial and Industrial Loans Credit Risk Profile by Creditworthiness Category
|  |  | Total comm. and industrial loans
(In thousands) |  |  | June 30, 2019 |  | December 31, 2018
Grade: |  |  |  |  |  |  |
Pass |  |  | $ | 1,385,702 |  |  | $ | 1,469,139 |
Special mention |  |  | 53,543 |  |  | 14,279 |
Substandard |  |  | 31,617 |  |  | 29,176 |
Doubtful |  |  | 904 |  |  | 944 |
Total |  |  | $ | 1,471,766 |  |  | $ | 1,513,538 |
Residential Mortgages Credit Risk Profile by Internally Assigned Grade
|  | 1-4 family |  | Construction |  | Total residential mortgages
(In thousands) |  | June 30, 2019 |  | December 31, 2018 |  | June 30, 2019 |  | December 31, 2018 |  | June 30, 2019 |  | December 31, 2018
Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 2,264,398 |  |  | $ | 2,314,657 |  |  | $ | 9,170 |  |  | $ | 9,582 |  |  | $ | 2,273,568 |  |  | $ | 2,324,239 |
Special mention |  | 543 |  |  | 1,619 |  |  | — |  |  | — |  |  | 543 |  |  | 1,619 |
Substandard |  | 3,504 |  |  | 1,440 |  |  | — |  |  | — |  |  | 3,504 |  |  | 1,440 |
Total |  | $ | 2,268,445 |  |  | $ | 2,317,716 |  |  | $ | 9,170 |  |  | $ | 9,582 |  |  | $ | 2,277,615 |  |  | $ | 2,327,298 |
Consumer Loans Credit Risk Profile Based on Payment Activity
|  | Home equity |  | Auto and other |  | Total consumer loans
(In thousands) |  | June 30, 2019 |  | December 31, 2018 |  | June 30, 2019 |  | December 31, 2018 |  | June 30, 2019 |  | December 31, 2018
Performing |  | $ | 280,440 |  |  | $ | 289,028 |  |  | $ | 602,469 |  |  | $ | 645,537 |  |  | $ | 882,909 |  |  | $ | 934,565 |
Nonperforming |  | 814 |  |  | 933 |  |  | 1,803 |  |  | 1,699 |  |  | 2,617 |  |  | 2,632 |
Total |  | $ | 281,254 |  |  | $ | 289,961 |  |  | $ | 604,272 |  |  | $ | 647,236 |  |  | $ | 885,526 |  |  | $ | 937,197 |
Acquired Loans Commercial Real Estate Credit Risk Profile by Creditworthiness Category
|  | Construction |  | Real Estate |  | Total commercial real estate
(In thousands) |  | June 30, 2019 |  | December 31, 2018 |  | June 30, 2019 |  | December 31, 2018 |  | June 30, 2019 |  | December 31, 2018
Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 56,384 |  |  | $ | 24,519 |  |  | $ | 1,231,162 |  |  | $ | 743,684 |  |  | $ | 1,287,546 |  |  | $ | 768,203 |
Special mention |  | 1,411 |  |  | — |  |  | 14,147 |  |  | 9,086 |  |  | 15,558 |  |  | 9,086 |
Substandard |  | 702 |  |  | 701 |  |  | 42,043 |  |  | 33,520 |  |  | 42,745 |  |  | 34,221 |
Total |  | $ | 58,497 |  |  | $ | 25,220 |  |  | $ | 1,287,352 |  |  | $ | 786,290 |  |  | $ | 1,345,849 |  |  | $ | 811,510 |
Commercial and Industrial Loans Credit Risk Profile by Creditworthiness Category
|  |  | Total comm. and industrial loans
(In thousands) |  |  | June 30, 2019 |  | December 31, 2018
Grade: |  |  |  |  |  |  |
Pass |  |  | $ | 483,151 |  |  | $ | 439,602 |
Special mention |  |  | 12,893 |  |  | 11,374 |
Substandard |  |  | 19,487 |  |  | 15,532 |
Total |  |  | $ | 515,531 |  |  | $ | 466,508 |
Residential Mortgages Credit Risk Profile by Internally Assigned Grade
|  | 1-4 family |  | Construction |  | Total residential mortgages
(In thousands) |  | June 30, 2019 |  | December 31, 2018 |  | June 30, 2019 |  | December 31, 2018 |  | June 30, 2019 |  | December 31, 2018
Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 590,578 |  |  | $ | 235,173 |  |  | $ | 8,158 |  |  | $ | 174 |  |  | $ | 598,736 |  |  | $ | 235,347 |
Special mention |  | 696 |  |  | 144 |  |  | — |  |  | — |  |  | 696 |  |  | 144 |
Substandard |  | 5,333 |  |  | 3,635 |  |  | — |  |  | — |  |  | 5,333 |  |  | 3,635 |
Total |  | $ | 596,607 |  |  | $ | 238,952 |  |  | $ | 8,158 |  |  | $ | 174 |  |  | $ | 604,765 |  |  | $ | 239,126 |
Consumer Loans Credit Risk Profile Based on Payment Activity
|  | Home equity |  | Auto and other |  | Total consumer loans
(In thousands) |  | June 30, 2019 |  | December 31, 2018 |  | June 30, 2019 |  | December 31, 2018 |  | June 30, 2019 |  | December 31, 2018
Performing |  | $ | 121,931 |  |  | $ | 85,968 |  |  | $ | 58,393 |  |  | $ | 72,195 |  |  | $ | 180,324 |  |  | $ | 158,163 |
Nonperforming |  | 645 |  |  | 751 |  |  | 309 |  |  | 451 |  |  | 954 |  |  | 1,202 |
Total |  | $ | 122,576 |  |  | $ | 86,719 |  |  | $ | 58,702 |  |  | $ | 72,646 |  |  | $ | 181,278 |  |  | $ | 159,365 |
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 June 30, 2019 and December 31, 2018. 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.
|  | June 30, 2019 |  | December 31, 2018
(In thousands) |  | Business Activities Loans |  | Acquired Loans |  | Total |  | Business Activities Loans |  | Acquired Loans |  | Total
Non-Accrual |  | $ | 30,704 |  |  | $ | 5,067 |  |  | $ | 35,771 |  |  | $ | 26,478 |  |  | $ | 5,947 |  |  | $ | 32,425 |
Substandard Accruing |  | 59,206 |  |  | 63,606 |  |  | 122,812 |  |  | 60,698 |  |  | 48,792 |  |  | 109,490 |
Total Classified |  | 89,910 |  |  | 68,673 |  |  | 158,583 |  |  | 87,176 |  |  | 54,739 |  |  | 141,915 |
Special Mention |  | 79,484 |  |  | 29,187 |  |  | 108,671 |  |  | 26,333 |  |  | 20,833 |  |  | 47,166 |
Total Criticized |  | $ | 169,394 |  |  | $ | 97,860 |  |  | $ | 267,254 |  |  | $ | 113,509 |  |  | $ | 75,572 |  |  | $ | 189,081 |

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 allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + 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/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=118936363&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