For the quarter ending 2025-09-30, MSBI made $28,022K in revenue. $18,579K in net income. Net profit margin of 66.30%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2024-12-31 | |
|---|---|---|---|---|
| Provision for credit losses on loans | - | - | 29,816 | |
| Provision for credit losses on unfunded commitments | - | - | 268 | |
| Total provision for credit losses | - | - | 30,083 | |
| Taxable | - | - | 12,442 | |
| Tax exempt | - | - | 378 | |
| Federal funds sold and cash investments | - | - | 990 | |
| Loans held for sale | - | - | 98 | |
| Nonmarketable equity securities | - | - | 768 | |
| Loans, including fees taxable | - | - | 91,473 | |
| Loans, including fees tax exempt | - | - | 384 | |
| Total interest income | - | - | 106,532 | |
| Subordinated debt | - | - | 1,318 | |
| Short-term borrowings | - | - | 490 | |
| Trust preferred debentures | - | - | 1,345 | |
| Deposits | - | - | 40,169 | |
| Federal home loan bank advances and other borrowings | - | - | 4,124 | |
| Total interest expense | - | - | 47,446 | |
| Net interest income | - | - | 59,087 | |
| Net interest income after provision for credit losses | - | - | 29,004 | |
| Other income | - | - | 3,017 | |
| Loss on sales of investment securities, net | - | - | -57 | |
| Income on company-owned life insurance | - | - | 1,921 | |
| Wealth management revenue | - | - | 7,174 | |
| Residential mortgage banking revenue | - | - | 605 | |
| Interchange revenue | - | - | 3,489 | |
| Credit enhancement income | - | - | 15,250 | |
| Service charges on deposit accounts | - | - | 3,289 | |
| Total noninterest income | - | - | 34,685 | |
| Professional services | - | - | 1,956 | |
| Other expense | - | - | 3,657 | |
| Impairment on leased assets and surrendered assets | - | - | 1,965 | |
| Occupancy and equipment | - | - | 4,196 | |
| Marketing | - | - | 982 | |
| Loan expense | - | - | 1,489 | |
| Salaries and employee benefits | - | - | 23,410 | |
| Data processing | - | - | 7,040 | |
| Fdic insurance | - | - | 1,320 | |
| Communications | - | - | 341 | |
| Amortization of intangible assets | - | - | 1,002 | |
| Other real estate owned | - | - | -1,392 | |
| Loan servicing fees | - | - | 3,216 | |
| Total noninterest expense | - | - | 51,964 | |
| Income before income taxes | - | - | 11,725 | |
| Banking Segment | 11,095 | 13,205 | - | |
| Wealth Management | 1,986 | 497 | - | |
| Income tax expense | - | - | 2,214 | |
| Corporate | -5,524 | -1,678 | - | |
| Net income (loss) | 7,557 | 12,024 | 9,511 | |
| Unrealized gains that occurred during the period | 15,202 | -2,915 | - | |
| Reclassification adjustment for realized net (gains) losses on sales of investment securities included in net income | 14 | 0 | - | |
| Income tax effect | 3,988 | -628 | - | |
| Change in investment securities available for sale, net of tax | 11,200 | -2,287 | - | |
| Net unrealized derivative gains (losses) on cash flow hedges | -439 | 223 | - | |
| Reclassification adjustment for net losses realized in net income | -197 | -642 | - | |
| Income tax effect | -64 | 227 | - | |
| Change in cash flow hedges, net of tax | -178 | 638 | - | |
| Preferred dividends | - | - | 2,228 | |
| Other comprehensive income, net of tax | 11,022 | -1,649 | - | |
| Net income available to common shareholders | - | - | 7,283 | |
| Total comprehensive income (loss) | 18,579 | 10,375 | - | |
| Basic earnings (loss) per common share (in dollars per share) | 0.24 | 0.44 | 0.33 | |
| Diluted earnings (loss) per common share (in dollars per share) | 0.24 | 0.44 | 0.33 | |
| Weighted average common shares outstanding (in shares) | 21,863,911 | 21,820,190 | 5,432,922.25 | |
| Weighted average diluted common shares outstanding (in shares) | 21,863,911 | 21,820,190 | 5,434,489.5 | |
Midland States Bancorp, Inc. (MSBI)
Midland States Bancorp, Inc. (MSBI)