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Cash Flow Overview

Change in Cash
$185,089K
Free Cash flow
$29,198K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase (decrease) in depos...
    • Maturities and payments on inves...
    • Net decrease in loans
    • Others
Negative Cash Flow Breakdown
    • Purchases of investment securiti...
    • Net decrease in short-term borro...
    • Origination of loans held for sa...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income (loss)
19,888
18,463
-2,888
7,557
Provision for credit losses
6,819
5,003
11,625
20,005
Depreciation on premises and equipment
1,213
1,217
1,220
1,216
Impairment on goodwill
0
0
0
0
Amortization of intangible assets
664
717
743
743
Amortization of operating lease right-of-use asset
424
395
392
390
Amortization of loan servicing rights
384
385
563
564
Share-based compensation expense
581
939
728
651
Increase in cash surrender value of life insurance
2,127
2,076
2,060
2,090
Gain on proceeds from company-owned life insurance
-
-
0
0
Investment securities accretion, net
4,451
4,387
3,409
3,350
Loss on sales of investment securities, net
0
-1,731
0
14
Gain on repurchase of subordinated debt
-
-
0
0
Gain on sales of other real estate owned
-
-
85
0
Impairment on other real estate owned
-
-
0
0
Origination of loans held for sale
31,662
27,193
26,035
29,644
Proceeds from sales of loans and leases held for sale
28,400
30,531
26,509
59,999
Gain on sale of loans held for sale
1,434
-
597
660
Gain on sale of mortgage servicing rights held for sale
0
2,077
18
-
Loss on sale of loan portfolios
-
-
-23,051
-
Impairment on leased assets and surrendered assets
-
-
684
-
Accrued interest receivable
-2,199
2,051
-2,848
1,619
Credit enhancement asset
166
919
6,792
-35
Other assets
-7,219
-3,613
-1,614
-10,330
Accrued expenses and other liabilities
1,523
-7,324
-35,155
15,872
Net cash provided by operating activities
29,474
16,967
-7,062
79,985
Purchases of investment securities available for sale
152,362
241,888
222,595
182,011
Proceeds from sales of investment securities available for sale
0
98,599
-1
103,759
Maturities and payments on investment securities available for sale
96,485
61,993
84,554
68,645
Purchases of equity securities
24
59
22
119
Proceeds from sales of equity securities
-
-
0
-
Net decrease in loans
-82,360
-4,737
48,655
-155,919
Proceeds from sales of consumer loans held for sale
0
-
61,099
-
Proceeds from sales of loan portfolios
-
-
456,331
0
Purchases of premises and equipment
276
619
740
1,373
Proceeds from sale of premises and equipment
0
195
0
-
Purchases of nonmarketable equity securities
1,229
50
78,952
26,972
Proceeds from redemptions of nonmarketable equity securities
400
2,813
83,625
27,393
Proceeds from sales of mortgage servicing rights held for sale
0
5,727
-
-
Proceeds from sales of other real estate owned
216
198
88
0
Proceeds from company-owned life insurance, net
0
0
0
0
Net cash provided by (used in) investing activities
25,570
-68,354
334,732
145,241
Net increase (decrease) in deposits
267,211
15,688
-180,446
-342,094
Net decrease in short-term borrowings
-145,780
93,244
-86,585
138,112
Net increase in short-term fhlb advances
25,000
-25,000
-80,000
-22,000
Proceeds from long-term fhlb advances
0
0
0
125,000
Payments made on long-term fhlb advances
5,000
30,000
0
75,000
Payments and subordinated debt redemption
-
-
0
50,750
Cash dividends paid on preferred stock
2,228
2,228
2,228
2,229
Cash dividends paid on common stock
6,799
6,889
7,095
7,017
Common stock repurchased
2,744
7,924
9,658
0
Proceeds from issuance of common stock under employee benefit plans
385
343
6
312
Net cash provided by (used in) financing activities
130,045
37,234
-366,006
-235,666
Net increase in cash and cash equivalents
185,089
-14,153
-38,336
-10,440
Beginning of period
113,658
127,811
166,147
114,766
End of period
298,747
113,658
127,811
166,147
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase(decrease) in deposits$267,211K (206.75%↑ Y/Y)Proceeds from sales ofloans and leases held...$28,400K (-39.61%↓ Y/Y)Net income (loss)$19,888K (115.42%↑ Y/Y)Maturities and payments oninvestment securities...$96,485K (0.72%↑ Y/Y)Net increase inshort-term fhlb advances$25,000K (-69.51%↓ Y/Y)Proceeds from issuance ofcommon stock under...$385K (18.46%↑ Y/Y)Other assets-$7,219K (42.43%↑ Y/Y)Provision for creditlosses$6,819K (-75.84%↓ Y/Y)Accrued interestreceivable-$2,199K (-696.74%↓ Y/Y)Accrued expenses andother liabilities$1,523K (107.33%↑ Y/Y)Depreciation on premises andequipment$1,213K (-50.61%↓ Y/Y)Amortization of intangibleassets$664K (-61.80%↓ Y/Y)Share-based compensationexpense$581K (-62.13%↓ Y/Y)Amortization of operatinglease right-of-use...$424K (-46.19%↓ Y/Y)Amortization of loanservicing rights$384K (-66.29%↓ Y/Y)Net decrease inloans-$82,360K (75.17%↑ Y/Y)Proceeds fromredemptions of...$400K (-99.48%↓ Y/Y)Proceeds from sales ofother real estate...$216K (-95.48%↓ Y/Y)Net cash provided by(used in) financing...$130,045K (150.04%↑ Y/Y)Net cash provided byoperating activities$29,474K (-44.13%↓ Y/Y)Net cash provided by(used in) investing...$25,570K (-90.49%↓ Y/Y)Canceled cashflow$162,551K Canceled cashflow$39,840K Canceled cashflow$153,891K Net increase in cashand cash...$185,089K (199.40%↑ Y/Y)Net decrease inshort-term borrowings-$145,780K (-84.89%↓ Y/Y)Cash dividends paidon common stock$6,799K (-49.89%↓ Y/Y)Payments made onlong-term fhlb advances$5,000K (-97.47%↓ Y/Y)Common stockrepurchased$2,744K Cash dividends paidon preferred stock$2,228K (-50.00%↓ Y/Y)Origination of loans held forsale$31,662K (-30.46%↓ Y/Y)Investment securitiesaccretion, net$4,451K (-35.84%↓ Y/Y)Increase in cashsurrender value of life...$2,127K (-47.60%↓ Y/Y)Gain on sale of loansheld for sale$1,434K (10.05%↑ Y/Y)Credit enhancementasset$166K (101.51%↑ Y/Y)Purchases of investmentsecurities available for...$152,362K (-30.21%↓ Y/Y)Purchases ofnonmarketable equity...$1,229K (-98.47%↓ Y/Y)Purchases of premises andequipment$276K (-91.46%↓ Y/Y)Purchases of equitysecurities$24K (-27.27%↓ Y/Y)

Midland States Bancorp, Inc. (MSBI)

Midland States Bancorp, Inc. (MSBI)