| Schedule of actual and required capital amounts and ratios |
At December 31, 2016 and 2015, the Company’s and the Bank’s actual and required capital ratios were as follows (dollars in thousands):
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2016
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Required to be
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Minimum Required
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Well Capitalized Under
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For Capital
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Prompt Corrective
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Actual
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Adequacy Purposes
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Action Requirements
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Amount
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Ratio
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Amount
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Ratio
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Amount
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Ratio
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Total capital (to risk-weighted assets):
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Midland States Bancorp, Inc.
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$
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374,955
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13.85
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%
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$
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216,612
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8.00
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%
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N/A
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N/A
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Midland States Bank
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329,759
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12.17
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216,773
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8.00
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$
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270,966
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10.00
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%
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Tier 1 capital (to risk-weighted assets):
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Midland States Bancorp, Inc.
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305,283
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11.27
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%
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162,459
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6.00
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%
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N/A
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N/A
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Midland States Bank
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314,595
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11.61
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162,580
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6.00
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216,773
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8.00
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%
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Common equity tier 1 capital (to risk-weighted assets):
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Midland States Bancorp, Inc.
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253,273
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9.35
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%
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121,844
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4.50
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%
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N/A
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N/A
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Midland States Bank
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314,595
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11.61
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121,935
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4.50
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176,128
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6.50
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%
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Tier 1 leverage (to average assets):
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Midland States Bancorp, Inc.
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305,283
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9.76
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%
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125,076
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4.00
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%
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N/A
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N/A
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Midland States Bank
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314,595
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10.05
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125,271
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4.00
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156,589
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5.00
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%
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2015
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Required to be
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Minimum Required
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Well Capitalized Under
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For Capital
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Prompt Corrective
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Actual
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Adequacy Purposes
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Action Requirements
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Amount
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Ratio
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Amount
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Ratio
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Amount
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Ratio
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Total capital (to risk-weighted assets):
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Midland States Bancorp, Inc.
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$
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288,958
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11.82
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%
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$
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195,550
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8.00
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%
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N/A
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N/A
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Midland States Bank
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270,436
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11.06
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195,702
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8.00
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$
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244,628
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10.00
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%
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Tier 1 capital (to risk-weighted assets):
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Midland States Bancorp, Inc.
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210,614
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8.62
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%
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146,662
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6.00
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%
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N/A
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N/A
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Midland States Bank
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254,228
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10.39
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146,777
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6.00
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195,702
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8.00
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%
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Common equity tier 1 capital (to risk-weighted assets):
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Midland States Bancorp, Inc.
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158,969
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6.50
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%
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109,997
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4.50
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%
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N/A
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N/A
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Midland States Bank
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254,228
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10.39
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110,082
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4.50
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159,008
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6.50
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%
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Tier 1 leverage (to average assets):
|
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Midland States Bancorp, Inc.
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210,614
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7.49
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%
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112,500
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4.00
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%
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N/A
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N/A
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Midland States Bank
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254,228
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9.01
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112,827
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4.00
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141,034
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5.00
|
%
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