For the year ending 2025-12-31.
| Income Statement | 2025-12-31 | |||
|---|---|---|---|---|
| Loans, including fees taxable | 310,169 | |||
| Loans, including fees tax exempt | 1,651 | |||
| Loans held for sale | 5,232 | |||
| Taxable | 63,248 | |||
| Tax exempt | 1,753 | |||
| Nonmarketable equity securities | 2,729 | |||
| Federal funds sold and cash investments | 3,085 | |||
| Total interest income | 387,867 | |||
| Deposits | 124,271 | |||
| Short-term borrowings | 2,807 | |||
| Federal home loan bank advances | 14,621 | |||
| Subordinated debt | 4,554 | |||
| Trust preferred debentures | 4,810 | |||
| Total interest expense | 151,063 | |||
| Net interest income | 236,804 | |||
| Provision for credit losses on loans | 60,549 | |||
| (recapture of) provision for credit losses on unfunded commitments | -700 | |||
| Total provision for credit losses | 59,849 | |||
| Net interest income after provision for credit losses | 176,955 | |||
| Wealth management revenue | 31,019 | |||
| Service charges on deposit accounts | 13,827 | |||
| Interchange revenue | 13,496 | |||
| Residential mortgage banking revenue | 2,857 | |||
| Income on company-owned life insurance | 8,564 | |||
| Gain (loss) on sales of investment securities, net | 14 | |||
| Credit enhancement income | 9,904 | |||
| Other income | 8,499 | |||
| Total noninterest income | 88,180 | |||
| Salaries and employee benefits | 104,400 | |||
| Occupancy and equipment | 17,223 | |||
| Data processing | 27,974 | |||
| Fdic insurance | 8,136 | |||
| Professional services | 9,871 | |||
| Marketing | 5,861 | |||
| Communications | 1,376 | |||
| Loan expense | 6,992 | |||
| Loan servicing fees | 4,578 | |||
| Impairment on goodwill | 153,977 | |||
| Amortization of intangible assets | 3,224 | |||
| Other real estate owned | -281 | |||
| Loss on sale of loan portfolios | -23,051 | |||
| Impairment on leased assets and surrendered assets | 684 | |||
| Other expense | 12,375 | |||
| Total noninterest expense | 380,003 | |||
| Income (loss) before income taxes | -114,868 | |||
| Income tax expense | 9,413 | |||
| Net income (loss) | -124,281 | |||
| Basic EPS | -6.12 | |||
| Diluted EPS | -6.12 | |||
| Basic Average Shares | 21,833,098 | |||
| Diluted Average Shares | 21,833,098 | |||
Midland States Bancorp, Inc. (MSBIP)
Midland States Bancorp, Inc. (MSBIP)