Midland States Bancorp(MSBI) - 2024 Q4 - Earnings Call Presentation

Financial Performance - Total assets reached $7.5 billion[7] - Net loss available to common shareholders was ($54.8 million), resulting in ($2.52) diluted EPS[9] - Pre-tax, pre-provision earnings amounted to $21.5 million[9] - Noninterest income was strong at $19.6 million[9] Loan Portfolio & Credit Quality - Total loans decreased by $581.2 million from the prior quarter, reaching $5.17 billion[19] - Net charge-offs to average loans was 7.23%[57] - Sold 100% of $87.1 million LendingPoint portfolio at a loss of $17.3 million[10] - Committed to sell 89% of $371.7 million GreenSky portfolio at a loss of $33.4 million, expected to close in Q1'25[10] Deposits & Liquidity - Total deposits decreased by $59.6 million from the prior quarter to $6.197 billion[26] - Loan-to-deposit ratio decreased to 83.4% from 91.9% at the end of the prior quarter[9] - Total estimated liquidity was $2.6162 billion as of December 31, 2024[15] Capital & Ratios - YTD Adjusted Return on Average Assets (ROAA) was (0.17)%[7] - YTD Adjusted Return on Tangible Common Equity (TCE) was (4.40)%[7] - Tangible Common Equity to Tangible Assets (TCE/TA) ratio was 6.14%[7]