Midland States Bancorp(MSBI) - 2022 Q4 - Earnings Call Presentation

Midland States Bancorp, Inc. NASDAQ: MSBI 1 Fourth Quarter 2022 Earnings Call Overview of 4Q22 • Net income available to common shareholders of $29.7 million, or$1.30 diluted EPS • Results include $17.5 million gain on the termination of forward starting swaps,$3.3 million loss on commercial mortgage servicing rights held for sale and $3.5 million impairment on other real estate owned • Pre-tax, pre-provision earnings(1) of$33.2 million • GAAP ROAA of 1.66% and Adjusted ROAA(1) of 1.13% • Total loans inc ...