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Investor Presentaiton

MIDLAND STATES BANCORP, INC. RECONCILIATIONS OF NON-GAAP FINANCIAL MEASURES (unaudited) (continued) Tangible Common Equity to Tangible Assets Ratio and Tangible Book Value Per Share (dollars in thousands, except per share data) Shareholders' Equity to Tangible Common Equity December 31, 2023 September 30, 2023 As of June 30, 2023 March 31, 2023 December 31, 2022 Total shareholders' equity-GAAP Adjustments: Preferred Stock Goodwill S 791,853 $ 757,610 $ 776,821 $ 775,643 $ 758,574 (110,548) (110,548) (110,548) (110,548) (110,548) (161,904) (161,904) (161,904) (161,904) (161,904) Other intangible assets, net (16,108) (17,238) (18,367) (19,575) (20,866) Tangible common equity $ 503,293 S 467,920 S 486,002 $ 483,616 $ 465,256 Less: Accumulated other comprehensive income (AOCI) Tangible common equity excluding AOCI $ (76,753) 580,046 $ (101,181) 569,101 $ (84,719) 570,721 $ (77,797) 561,413 (83,797) $ 549,053 Total Assets to Tangible Assets: Total assets GAAP Adjustments: Goodwill S 7,866,868 $ 7,969,285 $ 8,034,721 $ 7,930,174 $ 7,855,501 (161,904) Other intangible assets, net Tangible assets (16,108) (161,904) (17,238) (161,904) (18,367) (161,904) (161,904) (19,575) (20,866) $ 7,688,856 $ 7,790,143 7,854,450 7,748,695 $ 7,672,731 Common Shares Outstanding 21,551,402 21,594,546 21,854,800 22,111,454 22,214,913 Tangible Common Equity to Tangible Assets 6.55 % 6.01 % 6.19 % 6.24 % 6.06 % Tangible Book Value Per Share $ 23.35 $ 21.67 $ Tangible Book Value Per Share, excluding AOCI $ 26.91 $ 26.35 $ 22.24 26.11 $ 21.87 $ 20.94 $ 25.39 $ 24.72 Return on Average Tangible Common Equity (ROATCE) 50 50 (dollars in thousands) Net income available to common shareholders Average total shareholders' equity-GAAP Adjustments: December 31, 2023 September 30, 2023 For the Quarter Ended June 30, 2023 March 31, 2023 December 31, 2022 S 18,483 $ 9,173 S 19,347 $ 19,544 $ 29,703 $ 764,790 $ 771,625 $ 776,791 $ 767,186 $ 749,183 Preferred Stock Goodwill (110,548) (110,548) (110,548) (110,548) (110,548) (161,904) (161,904) (161,904) (161,904) (161,904) Other intangible assets, net (16,644) (17,782) (18,937) (20,184) (22,859) Average tangible common equity $ 475,694 $ 481,391 $ 485,402 $ 474,550 $ 453,872 ROATCE 15.41 % 7.56% 15.99 % 16.70 % 25.89 % Midland ◉ States Bancorp, Inc.
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