Midland States Bancorp, Inc. (MSBI)

Midland States Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	38.04	61.16	100.24	81.32	22.54
Depreciation & Amortization	13.16	12.72	14.38	16.35	19.51
Gain (Loss) on Sale of Assets	-0.03	-0.82	3.37	-0.25	1.61
Gain (Loss) on Sale of Investments	-6.56	6.96	2.54	3.66	1.69
Total Asset Writedown	12.72	-	5.54	7.99	26.57
Provision for Credit Losses	120.33	82.56	76.76	3.39	44.36
Net Decrease (Increase) in Loans Originated / Sold - Operating	-2.56	-1	135.35	235.15	432.75
Accrued Interest Receivable	8.8	-4.36	-1.45	4.08	-7.2
Change in Other Net Operating Assets	-0.18	1.17	-31.16	-7.57	-27.21
Other Operating Activities	-7.91	-5.12	-21.12	-6.66	-3.58
Operating Cash Flow	176.55	153.36	285.82	334.44	499.15
Operating Cash Flow Growth	15.12%	-46.34%	-14.54%	-33.00%	-7.33%
Capital Expenditures	-6.9	-8.73	-3.47	-2.72	-2.59
Sale of Property, Plant and Equipment	0.04	0.1	0.18	0.65	7.5
Cash Acquisitions	-	-	60.28	-2.72	-
Investment in Securities	-288.06	-138.89	18.76	-226.64	-39.66
Net Decrease (Increase) in Loans Originated / Sold - Investing	431.17	113.78	-1,216	-258.4	-1,280
Other Investing Activities	-	-48.6	1.52	2.12	-
Investing Cash Flow	136.71	-74.8	-1,138	-478.5	-1,312
Short-Term Debt Issued	52.63	-	250	7.85	-
Long-Term Debt Issued	263	215	-	500	729
Total Debt Issued	315.63	215	250	507.85	729
Short-Term Debt Repaid	-166	-181.45	-34.49	-	-13.07
Long-Term Debt Repaid	-330.76	-30.85	-140.17	-1,009	-455.29
Total Debt Repaid	-496.76	-212.29	-174.66	-1,009	-468.36
Net Debt Issued (Repaid)	-181.13	2.71	75.34	-500.77	260.64
Issuance of Common Stock	1.33	1.67	2.19	2.25	2.52
Repurchase of Common Stock	-5.48	-17.9	-1.11	-11.69	-39.62
Preferred Stock Issued	-	-	110.55	-	-
Common Dividends Paid	-27.07	-26.57	-25.92	-25.17	-24.96
Preferred Dividends Paid	-8.91	-8.91	-3.17	-	-
Total Dividends Paid	-35.99	-35.49	-29.09	-25.17	-24.96
Net Increase (Decrease) in Deposit Accounts	-112.29	-55.12	174.21	1,010	556.76
Other Financing Activities	-	-	-	8.54	5.07
Financing Cash Flow	-333.55	-104.13	332.08	482.79	760.42
Net Cash Flow	-20.3	-25.57	-519.74	338.73	-52.87
Free Cash Flow	169.65	144.63	282.35	331.72	496.56
Free Cash Flow Growth	17.30%	-48.78%	-14.88%	-33.20%	-6.86%
Free Cash Flow Margin	66.65%	52.45%	86.13%	117.84%	219.07%
Free Cash Flow Per Share	7.80	6.54	12.61	14.71	21.27
Cash Interest Paid	189.6	159.14	55.07	31.74	47.71
Cash Income Tax Paid	22.54	25.12	36.51	7.76	2.98

Updated Apr 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q