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Income Overview
Net Income
$19,888K
EPS
$0.82
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans, including fees taxable
66,761
65,559
77,543*
-
Loans, including fees tax exempt
343
383
413*
-
Loans held for sale
128
102
1,308*
-
Taxable
18,989
18,150
15,812*
-
Tax exempt
435
436
438*
-
Nonmarketable equity securities
534
583
682*
-
Federal funds sold and cash investments
987
809
771*
-
Total interest income
88,177
86,022
96,967*
-
Deposits
24,526
24,203
31,068*
-
Short-term borrowings
202
231
702*
-
Federal home loan bank advances
2,349
2,670
3,655*
-
Subordinated debt
380
380
1,139*
-
Trust preferred debentures
1,131
1,121
1,203*
-
Total interest expense
28,588
28,605
37,766*
-
Net interest income
59,589
57,417
59,201*
-
Provision for credit losses on loans
7,109
5,403
15,137*
-
Recapture of credit losses on unfunded commitments
-290
-400
-175*
-
Total provision for credit losses
6,819
5,003
14,962*
-
Net interest income after provision for credit losses
52,770
52,414
44,239*
-
Wealth management revenue
8,768
8,248
7,755*
-
Service charges on deposit accounts
3,449
3,355
3,457*
-
Interchange revenue
3,553
3,528
3,374*
-
Residential mortgage banking revenue
686
626
714*
-
Income on company-owned life insurance
2,127
2,076
2,141*
-
Loss on sales of investment securities, net
0
-1,731
4*
-
Credit enhancement income
3,081
3,360
2,476*
-
Other income
2,104
2,660
2,125*
-
Total noninterest income
23,768
22,122
22,045*
-
Salaries and employee benefits
27,354
26,157
26,100*
-
Occupancy and equipment
4,229
4,535
4,306*
-
Data processing
6,994
7,065
6,994*
-
Fdic insurance
781
529
2,034*
-
Professional services
1,665
2,242
2,468*
-
Marketing
1,211
1,241
1,465*
-
Communications
359
431
344*
-
Loan expense
3,147
3,305
1,748*
-
Loan servicing fees
1,050
1,116
1,145*
-
Impairment on goodwill
0
0
175,137*
-
Amortization of intangible assets
664
717
806*
-
Other real estate owned
-
-
-70*
-
Loss on sale of loan portfolios
-
-
-5,763*
-
Impairment on leased assets and surrendered assets
-
-
171*
-
Other expense
3,301
3,086
3,094*
-
Total noninterest expense
50,755
50,424
231,643*
-
Income (loss) before income taxes
25,783
24,112
-165,359*
-
Banking Segment
-
-
-
11,095
Wealth Management
-
-
-
1,986
Corporate
-
-
-
-5,524
Income tax expense
5,895
5,649
2,353*
-
Net income (loss)
19,888
18,463
-167,712
7,557
Unrealized gains that occurred during the period
-
-
-
15,202
Reclassification adjustment for realized net (gains) losses on sales of investment securities included in net income
-
-
-
14
Income tax effect
-
-
-
3,988
Change in investment securities available for sale, net of tax
-
-
-
11,200
Net unrealized derivative gains (losses) on cash flow hedges
-
-
-
-439
Reclassification adjustment for net losses realized in net income
-
-
-
-197
Income tax effect
-
-
-
-64
Change in cash flow hedges, net of tax
-
-
-
-178
Other comprehensive income, net of tax
-
-
-
11,022
Total comprehensive income (loss)
-
-
-
18,579
Basic EPS
0.82
0.74
-7.688
0.24
Diluted EPS
0.82
0.74
-7.688
0.24
Basic Average Shares
21,074,683
21,301,246
21,815,193
21,863,911
Diluted Average Shares
21,074,683
21,301,246
21,815,193
21,863,911
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Loans, including fees
taxable
$66,761K
Taxable
$18,989K
Federal funds sold and
cash investments
$987K
Nonmarketable equity
securities
$534K
Tax exempt
$435K
Loans, including fees
tax exempt
$343K
Loans held for sale
$128K
Total interest income
$88,177K
Net interest income
$59,589K
Wealth management
revenue
$8,768K
Interchange revenue
$3,553K
Service charges on
deposit accounts
$3,449K
Credit enhancement
income
$3,081K
Income on
company-owned life insurance
$2,127K
Other income
$2,104K
Residential mortgage
banking revenue
$686K
Total interest
expense
$28,588K
Net interest income
after provision for...
$52,770K
Total noninterest
income
$23,768K
Total provision for
credit losses
$6,819K
Recapture of credit losses
on unfunded...
-$290K
Deposits
$24,526K
Federal home loan bank
advances
$2,349K
Trust preferred
debentures
$1,131K
Subordinated debt
$380K
Short-term borrowings
$202K
Income (loss) before
income taxes
$25,783K
Total noninterest
expense
$50,755K
Provision for credit
losses on loans
$7,109K
Net income (loss)
$19,888K
(65.40%↑ Y/Y)
Income tax expense
$5,895K
Salaries and employee
benefits
$27,354K
Data processing
$6,994K
Occupancy and equipment
$4,229K
Other expense
$3,301K
Loan expense
$3,147K
Professional services
$1,665K
Marketing
$1,211K
Loan servicing fees
$1,050K
Fdic insurance
$781K
Amortization of intangible
assets
$664K
Communications
$359K
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Midland States Bancorp, Inc. (MSBI)
Midland States Bancorp, Inc. (MSBI)