For the year ending 2025-12-31, MSBI had $13,045K increase in cash & cash equivalents over the period. $120,333K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income (loss) | -124,281 |
| Provision for credit losses | 59,849 |
| Depreciation on premises and equipment | 4,892 |
| Impairment on goodwill | 153,977 |
| Amortization of intangible assets | 3,224 |
| Amortization of operating lease right-of-use asset | 1,570 |
| Amortization of loan servicing rights | 2,266 |
| Share-based compensation expense | 2,913 |
| Increase in cash surrender value of life insurance | 8,209 |
| Gain on proceeds from company-owned life insurance | 343 |
| Investment securities accretion, net | 13,696 |
| (gain) loss on sales of investment securities, net | 14 |
| Gain on repurchase of subordinated debt | 0 |
| Gain on sales of other real estate owned | 124 |
| Impairment on other real estate owned | 0 |
| Origination of loans held for sale | 101,211 |
| Proceeds from sales of loans and leases held for sale | 133,534 |
| Gain on sale of loans held for sale | 2,560 |
| Loss on mortgage servicing rights held for sale | 18 |
| Loss on sale of loan portfolios | -23,051 |
| Impairment on leased assets and surrendered assets | 684 |
| Accrued interest receivable | -1,505 |
| Credit enhancement asset | -4,247 |
| Other assets | -24,483 |
| Accrued expenses and other liabilities | -40,060 |
| Net cash provided by operating activities | 125,679 |
| Purchases of investment securities available for sale | 622,913 |
| Proceeds from sales of investment securities available for sale | 103,758 |
| Maturities and payments on investment securities available for sale | 248,991 |
| Purchases of equity securities | 174 |
| Proceeds from sales of equity securities | 0 |
| Net decrease in loans | -438,907 |
| Proceeds from sales of consumer loans held for sale | 61,099 |
| Proceeds from sales of loan portfolios | 517,430 |
| Purchases of premises and equipment | 5,346 |
| Proceeds from sale of premises and equipment | 0 |
| Purchases of nonmarketable equity securities | 186,124 |
| Proceeds from redemptions of nonmarketable equity securities | 187,249 |
| Proceeds from sales of other real estate owned | 4,862 |
| Proceeds from company-owned life insurance, net | -1,166 |
| Net cash provided by (used in) investing activities | 748,905 |
| Net decrease in deposits | -772,864 |
| Net increase (decrease) in short-term borrowings | -27,318 |
| Net increase (decrease) in short-term fhlb advances | -20,000 |
| Proceeds from long-term fhlb advances | 328,000 |
| Payments made on long-term fhlb advances and other borrowings | 273,000 |
| Payments and subordinated debt redemption | 50,750 |
| Cash dividends paid on preferred stock | 8,913 |
| Cash dividends paid on common stock | 27,679 |
| Common stock repurchased | 9,658 |
| Proceeds from issuance of common stock under employee benefit plans | 643 |
| Net cash used in financing activities | -861,539 |
| Net increase (decrease) in cash and cash equivalents | 13,045 |
| Beginning of period | 114,766 |
| End of period | 127,811 |
Midland States Bancorp, Inc. (MSBI)
Midland States Bancorp, Inc. (MSBI)