| Cash Flow | 2025-09-30 | 2025-06-30 | 2025-03-31 |
|---|---|---|---|
| Net (loss) income | -121,393 | -128,950 | - |
| Provision for credit losses | 48,224 | 28,219 | - |
| Depreciation on premises and equipment | 3,672 | 2,456 | - |
| Impairment on goodwill | 153,977 | 153,977 | - |
| Amortization of intangible assets | 2,481 | 1,738 | - |
| Amortization of operating lease right-of-use asset | 1,178 | 788 | - |
| Amortization of loan servicing rights | 1,703 | 1,139 | - |
| Share-based compensation expense | 2,185 | 1,534 | - |
| Increase in cash surrender value of life insurance | 6,149 | 4,059 | - |
| Gain on proceeds from company-owned life insurance | 343 | 343 | - |
| Investment securities accretion, net | 10,287 | 6,937 | - |
| (gain) loss on sales of investment securities, net | 14 | 0 | - |
| Gain on repurchase of subordinated debt | 0 | 0 | - |
| Gain on sales of other real estate owned | 39 | 39 | - |
| Impairment on other real estate owned | 0 | 0 | - |
| Origination of loans held for sale | 75,176 | 45,532 | - |
| Proceeds from sales of loans and leases held for sale | 107,025 | 47,026 | - |
| Gain on sale of loans held for sale | 1,963 | 1,303 | - |
| Accrued interest receivable | 1,343 | -276 | - |
| Credit enhancement asset | -11,039 | -11,004 | - |
| Other assets | -22,869 | -12,539 | - |
| Accrued expenses and other liabilities | -4,905 | -20,777 | - |
| Net cash provided by operating activities | 132,741 | 52,756 | 24,700 |
| Purchases of investment securities available for sale | 400,318 | 218,307 | 181,409 |
| Proceeds from sales of investment securities available for sale | 103,759 | 0 | - |
| Maturities and payments on investment securities available for sale | 164,437 | 95,792 | 42,543 |
| Purchases of equity securities | 152 | 33 | 18 |
| Net decrease in loans | -487,562 | -331,643 | -189,065 |
| Proceeds from settlements of company-owned life insurance | - | - | 1,166 |
| Proceeds from sales of consumer loans held for sale | 61,099 | 61,099 | - |
| Purchases of premises and equipment | 4,606 | 3,233 | 1,846 |
| Purchases of nonmarketable equity securities | 107,172 | 80,200 | 37,237 |
| Proceeds from redemptions of nonmarketable equity securities | 103,624 | 76,231 | 26,418 |
| Proceeds from sales of other real estate owned | 4,774 | 4,774 | 783 |
| Proceeds from company-owned life insurance, net | -1,166 | -1,166 | - |
| Net cash provided by investing activities | 414,173 | 268,932 | 39,465 |
| Net decrease in deposits | -592,418 | -250,324 | -260,809 |
| Net increase (decrease) in short-term borrowings | 59,267 | -78,845 | -47,275 |
| Net increase (decrease) in short-term fhlb advances | 60,000 | 82,000 | 240,000 |
| Proceeds from long-term fhlb advances | 328,000 | 203,000 | 75,000 |
| Payments made on long-term fhlb advances and other borrowings | 273,000 | 198,000 | 75,000 |
| Payments made on subordinated debt | 50,750 | 0 | - |
| Cash dividends paid on preferred stock | 6,685 | 4,456 | 2,228 |
| Cash dividends paid on common stock | 20,584 | 13,567 | 6,782 |
| Common stock repurchased | 0 | 0 | 0 |
| Proceeds from issuance of common stock under employee benefit plans | 637 | 325 | 169 |
| Net cash used in financing activities | -495,533 | -259,867 | -76,925 |
| Net increase (decrease) in cash and cash equivalents | 51,381 | 61,821 | -12,760 |
| Cash and cash equivalents at beginning of period | 114,766 | - | - |
| Cash and cash equivalents at end of period | 166,147 | - | - |
Midland States Bancorp, Inc. (MSBIP)
Midland States Bancorp, Inc. (MSBIP)