Legacy Bancorp, Inc. – JOINT NEWS RELEASE Berkshire Hills and Legacy Announce Agreement to Divest Four Legacy Banks Branches to NBT Bank Berkshire and Legacy Merger Targeted For Completion on July 21 NBT Bank Branch Acquisition Expected to be Complete by October 31 (July 13th, 2011)Pittsfield, MA — July 13, 2011. Berkshire Hills Bancorp, Inc. (NASDAQ:BHLB) and Legacy Banks, the banking subsidiary of Legacy Bancorp, Inc. (NASDAQ:LEGC) have entered into an agreement to sell four Legacy Banks branches in Berkshire County to NBT Bank, N.A. (NBT Bank), the banking subsidiary of NBT Bancorp Inc. (NASDAQ:NBTB).
Legacy Bancorp, Inc. – PURCHASE AND ASSUMPTION AGREEMENT dated as of July 13, 2011 by and among LEGACY BANKS, NBT BANK, NA, and BERKSHIRE HILLS BANCORP, INC., solely with respect to Section 7.10 (July 13th, 2011)This PURCHASE AND ASSUMPTION AGREEMENT, dated as of July 13, 2011 (this “Agreement”), by and among Legacy Banks (“Seller”), NBT Bank, NA (“Purchaser”), and Berkshire Hills Bancorp, Inc., a Delaware corporation (“Berkshire”), solely with respect to Section 7.10.
Legacy Bancorp, Inc. – Joint News Release Berkshire Hills and Legacy Shareholders Approve Merger (June 23rd, 2011)Pittsfield, MA — June 20, 2011. Berkshire Hills Bancorp, Inc. (NASDAQ:BHLB), and Legacy Bancorp, Inc. (NASDAQ:LEGC) today held shareholder meetings and each company won shareholder approval of the plan for Berkshire to acquire Legacy and its subsidiary, Legacy Banks. The definitive merger agreement was entered into by the companies on December 21, 2010.
Legacy Bancorp, Inc. – Joint News Release Berkshire Hills and Legacy Shareholders Approve Merger (June 21st, 2011)Pittsfield, MA — June 20, 2011. Berkshire Hills Bancorp, Inc. (NASDAQ:BHLB), and Legacy Bancorp, Inc. (NASDAQ:LEGC) today held shareholder meetings and each company won shareholder approval of the plan for Berkshire to acquire Legacy and its subsidiary, Legacy Banks. The definitive merger agreement was entered into by the companies on December 21, 2010.
Legacy Bancorp, Inc. – Contacts: J. Williar Dunlaevy Paul H. Bruce Chairman & Chief Executive Officer Chief Financial Officer Phone: 413-445-3500 413-445-3513 Email: bill.dunlaevy@legacybanks.com paul.bruce@legacybanks.com (April 28th, 2011)PITTSFIELD, MASSACHUSETTS (April 28, 2011): Legacy Bancorp, Inc. (the “Company” or “Legacy”) (NASDAQ: LEGC), the holding company for Legacy Banks (the “Bank”), today reported net income of $723,000, or $0.09 per diluted share, for the quarter ended March 31, 2011, compared to a net loss of $1.2 million, or $0.15 per diluted share, in the first quarter of 2010. The first quarter increase in net income included a decrease in the provision for loan losses, higher non-interest income and lower operating expenses, all of which helped offset a decrease in net interest income. The total shares outstanding resulted in a book value per share and tangible book value per share of $12.95 and $11.22, respectively, at March 31, 2011.
Legacy Bancorp, Inc. – Contacts: Patrick J. Sullivan Paul H. Bruce President Chief Financial Officer Phone: 413-445-3409 413-445-3513 Email: pat.sullivan@legacybanks.com paul.bruce@legacybanks.com (January 26th, 2011)PITTSFIELD, MASSACHUSETTS (January 26, 2011): Legacy Bancorp, Inc. (the “Company” or “Legacy”) (NASDAQ: LEGC), the holding company for Legacy Banks (the “Bank”), today reported a net loss of $4.5 million or $0.57 per share, for the quarter ended December 31, 2010, compared to a net loss of $3.8 million, or $0.48 per share, in the fourth quarter of 2009. For all of 2010 the Company incurred a net loss of $7.9 million, or $0.99 per share, as compared to a net loss of $7.8 million, or $0.98 per share in 2009. The year to date change in net loss includes a decrease in the loss on the sale of securities and charges on investments deemed to be other-than-temporarily impaired (OTTI), offset by an increase in the provision for loan losses and operating expenses and a decrease in net interest margin. The 2010 fourth quarter and full year loss also include a charge of $1.5 million on the prepayment of approximately $34.7 million of advances from the Federal Home Loan Bank (FHLB). The total share
Legacy Bancorp, Inc. – AMENDED AND RESTATED LEGACY BANCORP, INC. 2006 EQUITY INCENTIVE PLAN (December 22nd, 2010)This Amended and Restated Legacy Bancorp, Inc. 2006 Equity Incentive Plan, dated December 21, 2010, amends and restates in its entirety the Legacy Bancorp, Inc. 2006 Equity Incentive Plan, as approved by the stockholders of Legacy Bancorp, Inc. on November 1, 2006, as follows:
Legacy Bancorp, Inc. – December 21, 2010 (December 22nd, 2010)The undersigned (“Shareholder”) is an executive officer or director of Legacy Bancorp, Inc. (“Legacy”) and the beneficial holder of shares of common stock of Legacy (the “Legacy Common Stock”).
Legacy Bancorp, Inc. – AGREEMENT AND PLAN OF MERGER BY AND BETWEEN BERKSHIRE HILLS BANCORP, INC. AND LEGACY BANCORP, INC. DATED AS OF December 21, 2010 (December 22nd, 2010)This AGREEMENT AND PLAN OF MERGER (this “Agreement”) is dated as of December 21, 2010 by and between Berkshire Hills Bancorp, Inc., a Delaware corporation (“BHLB”), and Legacy Bancorp, Inc., a Delaware corporation (“Legacy”).
Legacy Bancorp, Inc. – Joint News Release Berkshire Hills and Legacy Announce In-Market Merger Combined Company Targets $4 Billion in Assets, With More Than 60 Branches Serving Western New England and Northeastern New York Berkshire Hills Reaffirms Fourth Quarter Earnings Guidance and Announces Fourth Quarter Earnings Release and Conference Call Dates (December 22nd, 2010)Pittsfield, MA — December 21, 2010. Berkshire Hills Bancorp, Inc. (NASDAQ:BHLB), and Legacy Bancorp, Inc. (NASDAQ:LEGC) announced today that they have signed a definitive merger agreement under which Berkshire will acquire Legacy and its subsidiary, Legacy Banks, in a transaction valued at approximately $108 million.
Legacy Bancorp, Inc. – AMENDED AND RESTATED LEGACY BANCORP, INC. 2006 EQUITY INCENTIVE PLAN (December 22nd, 2010)This Amended and Restated Legacy Bancorp, Inc. 2006 Equity Incentive Plan, dated December 21, 2010, amends and restates in its entirety the Legacy Bancorp, Inc. 2006 Equity Incentive Plan, as approved by the stockholders of Legacy Bancorp, Inc. on November 1, 2006, as follows:
Legacy Bancorp, Inc. – LEGACY BANCORP, INC. AND LEGACY BANKS CHANGE IN CONTROL AGREEMENT FOR [EXECUTIVE] (November 1st, 2010)This Change in Control Agreement (the “Agreement”) is made effective as of the 26th day of October, 2010 (the “Effective Date”), by and between Legacy Bancorp, Inc., a Delaware corporation (the “Company”), Legacy Banks (the “Bank”), a Massachusetts-chartered savings bank (the “Bank”) with its principal administrative office at Pittsfield, Massachusetts, and [Executive] (“Executive”). The Bank is a wholly-owned subsidiary of the Company.
Legacy Bancorp, Inc. – LEGACY BANCORP, INC. AND LEGACY BANKS CHANGE IN CONTROL AGREEMENT FOR RICHARD M. SULLIVAN (November 1st, 2010)This Change in Control Agreement (the “Agreement”) is made effective as of the 26th day of October, 2010 (the “Effective Date”), by and between Legacy Bancorp, Inc., a Delaware corporation (the “Company”), Legacy Banks (the “Bank”), a Massachusetts-chartered savings bank (the “Bank”) with its principal administrative office at Pittsfield, Massachusetts, and Richard M. Sullivan (“Executive”). The Bank is a wholly-owned subsidiary of the Company.
Legacy Bancorp, Inc. – Contacts: Patrick J. Sullivan Paul H. Bruce President Chief Financial Officer Phone: 413-445-3554 413-445-3513 Email: pat.sullivan@legacybanks.com paul.bruce@legacybanks.com (October 27th, 2010)PITTSFIELD, MASSACHUSETTS (October 27, 2010): Legacy Bancorp, Inc. (the “Company” or “Legacy”) (NASDAQ: LEGC), the holding company for Legacy Banks (the “Bank”), today reported a net loss of $779,000, or $0.10 per diluted share, for the quarter ended September 30, 2010, compared to a net loss of $1.7 million, or $0.21 per diluted share, in the third quarter of 2009. Year to date, the Company has incurred a net loss of $3.4 million, or $0.42 per diluted share, as compared to a net loss of $4.0 million, or $0.50 per diluted share for the same period in 2009. The year to date decrease in net loss includes a decrease in charges on investments deemed to be other-than-temporarily impaired (OTTI), offset by an increase in the provision for loan losses and a decrease in net interest margin. The total shares outstanding resulted in a book value per share and tangible book value per share of $13.57 and $11.81, respectively, at September 30, 2010.
Legacy Bancorp, Inc. – Contacts: J. Williar Dunlaevy Paul H. Bruce Chairman & Chief Executive Officer Chief Financial Officer Phone: 413-445-3500 413-445-3513 Email: bill.dunlaevy@legacybanks.com paul.bruce@legacybanks.com (July 26th, 2010)PITTSFIELD, MASSACHUSETTS (July 26, 2010): Legacy Bancorp, Inc. (the “Company” or “Legacy”) (NASDAQ: LEGC), the holding company for Legacy Banks (the “Bank”), today reported a net loss of $1.4 million, or $0.17 per diluted share, for the quarter ended June 30, 2010, compared to a net loss of $1.5 million, or $0.19 per diluted share, in the second quarter of 2009. Year to date, the Company has incurred a net loss of $2.6 million, or $0.33 per diluted share, as compared to a net loss of $2.3 million for the same period in 2009. The year to date increase in net loss was the result of an increase in the provision for loan losses, partially offset by a decrease in charges on investments deemed to be other-than-temporarily impaired (OTTI). The total shares outstanding resulted in a book value per share and tangible book value per share of $13.66 and $11.90, respectively, at June 30, 2010.
Legacy Bancorp, Inc. – LEGACY BANCORP, INC. 2010 CEO INDUCEMENT PLAN PERFORMANCE SHARES AWARD AGREEMENT (May 18th, 2010)Pursuant to that certain Employment Agreement (the “Employment Agreement”) dated February 26, 2010 and effective as of April 1, 2010 between you, Legacy Bancorp, Inc. (the “Holding Company”) and Legacy Banks, you have been granted a potential award (“Award”) of shares of Legacy Bancorp, Inc. performance based restricted common stock (“Common Stock”) at no cost to you subject to the terms and conditions of this Performance Shares Award Agreement (the “Agreement”).
Legacy Bancorp, Inc. – LEGACY BANCORP, INC. 2010 CEO INDUCEMENT PLAN RESTRICTED STOCK AWARD AGREEMENT (May 18th, 2010)Pursuant to that certain Employment Agreement (the “Employment Agreement”) dated February 26, 2010 and effective as of April 1, 2010 between you, Legacy Bancorp, Inc. (the “Holding Company”) and Legacy Banks, you have been granted an award of shares of Legacy Bancorp, Inc. common stock (“Common Stock”) at no cost to you subject to the terms and conditions of this Restricted Stock Award Agreement (the “Agreement”).
Legacy Bancorp, Inc. – LEGACY BANCORP, INC. 2010 CEO INDUCEMENT PLAN STOCK OPTION AWARD AGREEMENT (May 18th, 2010)Pursuant to that certain Employment Agreement (the “Employment Agreement”) dated February 26, 2010 and effective as of April 1, 2010 between you, Legacy Bancorp, Inc. (the “Holding Company”) and Legacy Banks, you have been granted an option to purchase shares of Holding Company common stock (“Common Stock”) subject to the terms and conditions of this Award Agreement (the “Agreement”).
Legacy Bancorp, Inc. – SEPARATION AGREEMENT AND GENERAL RELEASE (May 11th, 2010)This Separation Agreement and General Release (“Separation Agreement”) dated May 11, 2010 is entered into by and between Steven F. Pierce (“Executive” or “you”) and Legacy Bancorp, Inc. (the “Company”) and Legacy Banks (the “Bank”), and confirms the agreement that has been reached with you in connection with your termination of employment with the Bank, Company and any of the Bank’s affiliates and direct and indirect subsidiaries.
Legacy Bancorp, Inc. – Contacts: J. Williar Dunlaevy Paul H. Bruce Chairman & Chief Executive Officer Chief Financial Officer Phone: 413-445-3500 413-445-3513 Email: bill.dunlaevy@legacybanks.com paul.bruce@legacybanks.com (April 28th, 2010)PITTSFIELD, MASSACHUSETTS (April 28, 2010): Legacy Bancorp, Inc. (the “Company” or “Legacy”) (NASDAQ: LEGC), the holding company for Legacy Banks (the “Bank”), today reported a net loss of $1.2 million or $0.15 per diluted share for the quarter ended March 31, 2010, compared to a net loss of $792,000 or $0.10 per diluted share in the first quarter of 2009. The first quarter decrease was the result of an increase in the provision for loan losses, partially offset by a decrease in charges on investments deemed to be other-than-temporarily impaired (OTTI). The total shares outstanding resulted in a book value per share and tangible book value per share of $13.80 and $12.40, respectively, at March 31, 2010.
Legacy Bancorp, Inc. – EMPLOYMENT AGREEMENT FOR PATRICK J. SULLIVAN (March 4th, 2010)This Employment Agreement (the “Agreement”) is made effective as of the 1st day of April, 2010 (the “Effective Date”), by and between Legacy Bancorp, Inc., a Delaware corporation with its principal offices located in Pittsfield, Massachusetts, Legacy Banks, a Massachusetts-chartered stock savings bank (the “Bank”) with its principal offices located in Pittsfield, Massachusetts (the Company and the Bank shall hereinafter collectively be referred to as the “Employer”), and Patrick J. Sullivan (“Executive”).
Legacy Bancorp, Inc. – EXHIBIT INDEX (January 27th, 2010)
Legacy Bancorp, Inc. – Contacts: J. Williar Dunlaevy Paul H. Bruce Chairman & Chief Executive Officer Chief Financial Officer Phone: 413-445-3500 413-445-3513 Email: bill.dunlaevy@legacybanks.com paul.bruce@legacybanks.com (October 28th, 2009)PITTSFIELD, MASSACHUSETTS (October 28, 2009): Legacy Bancorp, Inc. (the “Company” or “Legacy”) (NASDAQ: LEGC), the holding company for Legacy Banks (the “Bank”), today reported a net loss of $1.7 million, or $0.21 per diluted share for the quarter ended September 30, 2009, as compared to net income of $564,000, or $0.07 per diluted share in the third quarter of 2008. Year to date, the Company has incurred a net loss of $4.0 million, or $0.50 per diluted share, as compared to net income of $1.9 million, or $0.23 per diluted share for the same period in 2008. The decrease in the third quarter was primarily the result of an increase in the loss taken on investments deemed to be other-than-temporarily impaired (OTTI), while the year to date decrease is primarily a result of the OTTI charges, an increase in the provision expense for loan losses, and an increase in the deposit insurance premium paid to the Federal Deposit Insurance Corporation (FDIC). The total shares outstanding resulted in
Legacy Bancorp, Inc. – Contacts: J. Williar Dunlaevy Chairman & Chief Executive Officer Paul H. Bruce Chief Financial Officer Phone: 413-445-3500 413-445-3513 Email: bill.dunlaevy@legacybanks.com paul.bruce@legacybanks.com (July 29th, 2009)PITTSFIELD, MASSACHUSETTS (July 29, 2009): Legacy Bancorp, Inc. (the “Company” or “Legacy”) (NASDAQ: LEGC), the holding company for Legacy Banks (the “Bank”), today reported a net loss of $1.5 million, or $0.19 per diluted share for the quarter ended June 30, 2009, as compared to net income of $914,000 in the second quarter of 2008. Year to date, the Company has incurred a net loss of $2.3 million, or $0.29 per diluted share, as compared to net income of $1.3 million for the same period in 2008. The decrease in both periods was primarily the result of an increase in the loss taken on investments deemed to be other-than-temporarily impaired (OTTI), an increase in the provision expense for loan losses, and an increase in the deposit insurance premium paid to the Federal Deposit Insurance Corporation (FDIC). The total shares outstanding resulted in a book value per share and tangible book value per share of $14.09 and $12.64, respectively, at June 30, 2009.
Legacy Bancorp, Inc. – EXHIBIT INDEX (April 27th, 2009)
Legacy Bancorp, Inc. – Contacts: J. Williar Dunlaevy Chairman & Chief Executive Officer Paul H. Bruce Chief Financial Officer Phone: Email: 413-445-3500 bill.dunlaevy@legacybanks.com 413-445-3513 paul.bruce@legacybanks.com (January 29th, 2009)PITTSFIELD, MASSACHUSETTS (January 29, 2009): Legacy Bancorp, Inc. (the “Company” or “Legacy”) (NASDAQ: LEGC), the holding company for Legacy Banks (the “Bank”), today reported a net loss of $451,000, or $0.06 per diluted share for the quarter ended December 31, 2008, which represents an improvement of $43,000 from a net loss of $494,000 in the fourth quarter of 2007. Year to date, the Company has generated net income of $1.4 million, or $0.18 per diluted share, an increase of $199,000 from 2007. The loss in the quarter was primarily the result of an other-than-temporary impairment (OTTI) charge of $2.3 million related to the writedown of certain investment securities owned by the Bank, as well as a provision for loan losses in the amount of $890,000. The book value per share and tangible book value per share were $14.14 and $12.74, respectively, at December 31, 2008.
Legacy Bancorp, Inc. – AMENDED AND RESTATED EMPLOYMENT AGREEMENT FOR RICHARD M. SULLIVAN (November 25th, 2008)This Amended and Restated Employment Agreement (the “Agreement”) is made effective as of the 20th day of November, 2008 (the “Effective Date”), by and between Legacy Bancorp, Inc., a Delaware corporation with its principal offices at Pittsfield, Massachusetts, (the “Company”), and its wholly-owned subsidiary, Legacy Banks, a Massachusetts-chartered stock savings bank (the “Bank”) with its principal offices at Pittsfield, Massachusetts (the Company and the Bank shall hereinafter collectively be referred to as the “Employer”), and Richard M. Sullivan (“Executive”).
Legacy Bancorp, Inc. – SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT FOR J. WILLIAR DUNLAEVY AMENDED AND RESTATED AS OF NOVEMBER 20, 2008 (November 25th, 2008)This Supplemental Executive Retirement Agreement (the “Agreement”) originally dated as of the 1st day of January, 2004 and amended and restated in its entirety as of November 20, 2008, by and among Legacy Bancorp, Inc. (the “Holding Company”), a Delaware corporation, and Legacy Banks (the “Bank”), a Massachusetts-chartered savings bank with its headquarters in Pittsfield, Massachusetts (the Holding Company and the Bank are referred to collectively herein as the “Company”) and J. Williar Dunlaevy (the “Executive”). The provisions of this Agreement specifically required by Code Section 409A shall be deemed effective from January 1, 2005.
Legacy Bancorp, Inc. – AMENDED AND RESTATED EMPLOYMENT AGREEMENT FOR STEVEN F. PIERCE (November 25th, 2008)This Amended and Restated Employment Agreement (the “Agreement”) is made effective as of the 20th day of November, 2008 (the “Effective Date”), by and between Legacy Bancorp, Inc., a Delaware corporation with its principal offices at Pittsfield, Massachusetts, (the “Company”), and its wholly-owned subsidiary, Legacy Banks, a Massachusetts-chartered stock savings bank (the “Bank”) with its principal offices at Pittsfield, Massachusetts (the Company and the Bank shall hereinafter collectively be referred to as the “Employer”), and Steven F. Pierce (“Executive”).
Legacy Bancorp, Inc. – AMENDED AND RESTATED EMPLOYMENT AGREEMENT FOR (November 25th, 2008)This Amended and Restated Employment Agreement (the “Agreement”) is made effective as of the 20th day of November, 2008 (the “Effective Date”), by and between Legacy Bancorp, Inc., a Delaware corporation with its principal offices at Pittsfield, Massachusetts, (the “Company”), and its wholly-owned subsidiary, Legacy Banks, a Massachusetts-chartered stock savings bank (the “Bank”) with its principal offices at Pittsfield, Massachusetts (the Company and the Bank shall hereinafter collectively be referred to as the “Employer”), and J. Williar Dunlaevy (“Executive”).
Legacy Bancorp, Inc. – LEGACY BANCORP, INC. AND LEGACY BANKS TWO-YEAR CHANGE IN CONTROL AGREEMENT FORM (October 30th, 2008)This Change in Control Agreement (the “Agreement”) is made effective as of the 26th day of October, 2008 (the “Effective Date”), by and between Legacy Bancorp, Inc., a Delaware corporation (the “Company”), Legacy Banks (the “Bank”), a Massachusetts-chartered savings bank (the “Bank”) with its principal administrative office at Pittsfield, Massachusetts, and [ ] (“Executive”). The Bank is a wholly-owned subsidiary of the Company.
Legacy Bancorp, Inc. – LEGACY BANCORP, INC. AND LEGACY BANKS CHANGE IN CONTROL AGREEMENT FOR KIMBERLY A. MATHEWS (October 30th, 2008)This Change in Control Agreement (the “Agreement”) is made effective as of the 26th day of October, 2008 (the “Effective Date”), by and between Legacy Bancorp, Inc., a Delaware corporation (the “Company”), Legacy Banks (the “Bank”), a Massachusetts-chartered savings bank (the “Bank”) with its principal administrative office at Pittsfield, Massachusetts, and Kimberly A. Mathews (“Executive”). The Bank is a wholly-owned subsidiary of the Company.
Legacy Bancorp, Inc. – LEGACY BANCORP, INC. AND LEGACY BANKS CHANGE IN CONTROL AGREEMENT FOR PAUL H. BRUCE (October 30th, 2008)This Change in Control Agreement (the “Agreement”) is made effective as of the 26th day of October, 2008 (the “Effective Date”), by and between Legacy Bancorp, Inc., a Delaware corporation (the “Company”), Legacy Banks (the “Bank”), a Massachusetts-chartered savings bank (the “Bank”) with its principal administrative office at Pittsfield, Massachusetts, and Paul H. Bruce (“Executive”). The Bank is a wholly-owned subsidiary of the Company.
Legacy Bancorp, Inc. – LEGACY BANCORP, INC. AND LEGACY BANKS ONE-YEAR CHANGE IN CONTROL AGREEMENT FORM (October 30th, 2008)This Change in Control Agreement (the “Agreement”) is made effective as of the 26th day of October, 2008 (the “Effective Date”), by and between Legacy Bancorp, Inc., a Delaware corporation (the “Company”), Legacy Banks (the “Bank”), a Massachusetts-chartered savings bank (the “Bank”) with its principal administrative office at Pittsfield, Massachusetts, and [ ] (“Executive”). The Bank is a wholly-owned subsidiary of the Company.
Legacy Bancorp, Inc. – Contacts: J. Williar Dunlaevy Paul H. Bruce Chairman & Chief Executive Officer Chief Financial Officer Phone: 413-445-3500 413-445-3513 Email: bill.dunlaevy@legacybanks.com paul.bruce@legacybanks.com (October 29th, 2008)PITTSFIELD, MASSACHUSETTS (October 29, 2008): Legacy Bancorp, Inc. (the “Company” or “Legacy”) (NASDAQ: LEGC), the holding company for Legacy Banks (the “Bank”), today reported net income of $564,000, or $0.07 per diluted share for the quarter ended September 30, 2008, which represents an increase of $44,000, or 8.5%, from net income of $520,000 in the third quarter of 2007. Year to date, the Company has generated net income of $1.9 million, or $0.23 per diluted share, an increase of $158,000, or 9.1%, from the first nine months of 2007. The increase in both periods was primarily the result of higher net-interest income, offset by lower non-interest income and higher operating expenses. The decrease in non-interest income was primarily due to the writedown of value in the Bank’s ownership of preferred stock issued by the Federal Home Loan Mortgage Corporation (Freddie MAC) and Federal National Mortgage Association (Fannie Mae). Book value per share and tangible book value per share wer
