SEC Filings

    Form 424B4
    MIDLAND STATES BANCORP, INC. filed this Form 424B4 on 05/24/2016
    Document Outline
    Entire Document (8637.2 KB)
    Subdocument 1 - 424B4 - 424B4
    Page 1 - Filed Pursuant to Rule 424(b)(4)
    Page 2 - N/A
    Page 3 - TABLE OF CONTENTS
    Page 4 - Implications of Being an Emerging Growth Company
    Page 5 - PROSPECTUS SUMMARY
    Page 6 - Our Strategic Plan
    Page 7 - Robust, Stable Core Funding Base.
    Page 8 - Our Growth and Earnings
    Page 9 - de novo
    Page 10 - Earnings.
    Page 11 - N/A
    Page 12 - Pending Acquisition
    Page 13 - The Offering
    Page 14 - N/A
    Page 15 - Summary Consolidated Financial Data
    Page 16 - N/A
    Page 17 - N/A
    Page 18 - N/A
    Page 19 - RISK FACTORS
    Page 20 - Because a significant portion of our loan portfolio is comprised of real estate loans, negative chan
    Page 21 - The small to midsized businesses that we lend to may have fewer resources to weather adverse busines
    Page 22 - Our operations could be interrupted if our third-party service providers experience difficulty, term
    Page 23 - We may be exposed to unrecoverable losses on loans we have acquired.
    Page 24 - If the goodwill that we recorded in connection with a business acquisition becomes impaired, it coul
    Page 25 - The accounting for loans acquired in connection with our acquisitions is based on numerous subjectiv
    Page 26 - Fluctuations in interest rates may reduce net interest income and otherwise negatively impact our fi
    Page 27 - We may need to raise additional capital in the future, and if we fail to maintain sufficient capital
    Page 28 - We could recognize losses on securities held in our securities portfolio, particularly if interest r
    Page 29 - Our ability to maintain our reputation is critical to the success of our business, and the failure t
    Page 30 - The obligations associated with being a public company will require significant resources and manage
    Page 31 - Real estate market volatility and future changes in our disposition strategies could result in net p
    Page 32 - If we breach any of the representations or warranties we make to a purchaser of our mortgage loans,
    Page 33 - Risks Related to the Business Environment and Our Industry
    Page 34 - Monetary policies and regulations of the Federal Reserve could adversely affect our business, financ
    Page 35 - We face a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-mone
    Page 36 - Risks Related to this Offering and an Investment in Our Common Stock
    Page 37 - If equity research analysts do not publish research or reports about our business, or if they do pub
    Page 38 - Our management will have broad discretion as to the use of proceeds from this offering, and we may n
    Page 39 - You will incur immediate dilution as a result of this offering.
    Page 40 - Provisions in our charter documents and Illinois law may have an anti-takeover effect, and there are
    Page 41 - CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS
    Page 42 - N/A
    Page 43 - USE OF PROCEEDS
    Page 44 - DIVIDEND POLICY
    Page 45 - CAPITALIZATION
    Page 46 - DILUTION
    Page 47 - SELECTED HISTORICAL CONSOLIDATED FINANCIAL DATA
    Page 48 - N/A
    Page 49 - N/A
    Page 50 - Non-GAAP Financial Measures
    Page 51 - N/A
    Page 52 - Return on Average Tangible Common Equity.
    Page 53 - Adjusted Earnings Metrics.
    Page 54 - Core Loans and Core Loan Growth.
    Page 55 - Adjusted Yield on Loans and Adjusted Net Interest Margin.
    Page 56 - MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF
    Page 57 - Primary Factors Affecting Comparability
    Page 58 - Expiration of FDIC Loss-Sharing Arrangements.
    Page 59 - Capital Transactions.
    Page 60 - Mortgage Servicing Rights.
    Page 61 - Noninterest expense.
    Page 62 - Capital.
    Page 63 - Community Banking.
    Page 64 - Regulatory Environment.
    Page 65 - Average Balance Sheet, Interest and Yield/Rate Analysis
    Page 66 - Interest Rates and Operating Interest Differential
    Page 67 - N/A
    Page 68 - Results of Operations Comparison of Results of Operations for the Three Months Ended March 31, 2016
    Page 69 - Interest Income.
    Page 70 - Interest Expense.
    Page 71 - Residential mortgage banking revenue.
    Page 72 - Other income.
    Page 73 - Other noninterest expense.
    Page 74 - Interest Expense.
    Page 75 - Noninterest Income.
    Page 76 - Wealth management revenue.
    Page 77 - Other income.
    Page 78 - Occupancy and equipment.
    Page 79 - Income Tax Expense
    Page 80 - Interest Expense.
    Page 81 - Residential mortgage banking revenue.
    Page 82 - Interchange revenue.
    Page 83 - Other income.
    Page 84 - FDIC insurance.
    Page 85 - Financial Condition
    Page 86 - N/A
    Page 87 - N/A
    Page 88 - Commercial loans.
    Page 89 - Residential real estate loans.
    Page 90 - Loan Quality
    Page 91 - N/A
    Page 92 - Non-Refundable Fees and Other Costs
    Page 93 - Allowance for PCI loans.
    Page 94 - Provision for Loan Losses.
    Page 95 - Problem Loans.
    Page 96 - N/A
    Page 97 - N/A
    Page 98 - Investment Securities.
    Page 99 - e.g.
    Page 100 - N/A
    Page 101 - N/A
    Page 102 - Cash and Cash Equivalents.
    Page 103 - Liabilities.
    Page 104 - Short-Term Borrowings.
    Page 105 - FHLB Advances and Other Borrowings.
    Page 106 - Subordinated Debt.
    Page 107 - Trust Preferred Debentures.
    Page 108 - Capital Resources and Liquidity Management
    Page 109 - Regulatory Capital Requirements
    Page 110 - N/A
    Page 111 - Contractual Obligations
    Page 112 - Quantitative and Qualitative Disclosures About Market Risk
    Page 113 - Income Simulation and Economic Value Analysis.
    Page 114 - Price Risk.
    Page 115 - Loans Held for Investment.
    Page 116 - Allowance for Loan Losses.
    Page 117 - Deferred Income Taxes.
    Page 118 - BUSINESS
    Page 119 - Revenue Diversification.
    Page 120 - Number of Banks Thrifts with less than $1.0 Billion in Assets
    Page 121 - N/A
    Page 122 - Enterprise-Wide Risk Management.
    Page 123 - Commercial Real Estate Loans.
    Page 124 - Residential Real Estate Loans.
    Page 125 - de novo
    Page 126 - Robust, Stable Core Funding Base.
    Page 127 - Experienced Board and Management Team.
    Page 128 - Core Loan Growth(1)
    Page 129 - Earnings.
    Page 130 - N/A
    Page 131 - Our Market Areas
    Page 132 - Employees
    Page 133 - SUPERVISION AND REGULATION
    Page 134 - The Increasing Regulatory Emphasis on Capital
    Page 135 - N/A
    Page 136 - i.e.
    Page 137 - N/A
    Page 138 - The Company
    Page 139 - Capital Requirements.
    Page 140 - FICO Assessments.
    Page 141 - Dividend Payments.
    Page 142 - Branching Authority.
    Page 143 - Consumer Financial Services
    Page 144 - i.e.
    Page 145 - N/A
    Page 146 - MANAGEMENT
    Page 147 - John M. Schultz.
    Page 148 - Jeffrey M. McDonnell.
    Page 149 - Robert F. Schultz.
    Page 150 - Executive Officers
    Page 151 - Jeffrey A. Brunoehler.
    Page 152 - Board Leadership Structure.
    Page 153 - Compensation Committee.
    Page 154 - Capital Management and Mergers and Acquisitions Committee.
    Page 155 - Executive Committee.
    Page 156 - EXECUTIVE COMPENSATION
    Page 157 - General
    Page 158 - Benefits and Other Perquisites
    Page 159 - Health and Welfare Benefits.
    Page 160 - Mr. Ludwig.
    Page 161 - Management Incentive Plan (MIP)
    Page 162 - Long Term Incentive Plans
    Page 163 - Stock Appreciation Rights.
    Page 164 - Change in Control.
    Page 165 - Stock Appreciation Rights.
    Page 166 - Midland States Bancorp, Inc. Omnibus Stock Ownership and Long Term Incentive Plan.
    Page 167 - Outstanding Equity Awards at Fiscal Year End
    Page 168 - Director Compensation
    Page 169 - CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS
    Page 170 - Registration Rights
    Page 171 - N/A
    Page 172 - PRINCIPAL AND SELLING SHAREHOLDERS
    Page 173 - N/A
    Page 174 - N/A
    Page 175 - DESCRIPTION OF CAPITAL STOCK
    Page 176 - Redemption.
    Page 177 - Anti-Takeover Considerations and Special Provisions of Our Articles, Bylaws and Illinois Law
    Page 178 - Advance Notice Provisions.
    Page 179 - Consideration of Non-Shareholder Interests.
    Page 180 - SHARES ELIGIBLE FOR FUTURE SALE
    Page 181 - Registration Statement on Form S-8
    Page 182 - MATERIAL UNITED STATES FEDERAL INCOME TAX CONSIDERATIONS FOR NON-U.S. HOLDERS
    Page 183 - Sale or Redemption
    Page 184 - Recent Legislation Relating to Foreign Accounts
    Page 185 - UNDERWRITING
    Page 186 - Lock-up Agreements
    Page 187 - Price Stabilization, Short Positions and Penalty Bids
    Page 188 - Affiliations
    Page 189 - LEGAL MATTERS
    Page 190 - INDEX TO CONSOLIDATED FINANCIAL STATEMENTS
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