CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2017

CAPITAL REQUIREMENTS

Schedule of actual and required capital amounts and ratios

At March 31, 2017 and December 31, 2016, the Company’s and the Bank’s actual and required capital ratios were as follows (dollars in thousands):

	March 31, 2017
									Required to be
					Minimum Required				Well Capitalized Under
					For Capital				Prompt Corrective
	Actual				Adequacy Purposes				Action Requirements
	Amount		Ratio		Amount		Ratio			Amount	Ratio
Total capital (to risk-weighted assets):
Midland States Bancorp, Inc.	$	378,652	13.48	%	$	224,732	8.00	%		N/A	N/A
Midland States Bank		335,284	11.93			224,891	8.00		$	281,114	10.00	%
Tier 1 capital (to risk-weighted assets):
Midland States Bancorp, Inc.		308,035	10.97	%		168,549	6.00	%		N/A	N/A
Midland States Bank		319,199	11.35			168,668	6.00			224,891	8.00	%
Common equity tier 1 capital (to risk-weighted assets):
Midland States Bancorp, Inc.		255,530	9.10	%		126,412	4.50	%		N/A	N/A
Midland States Bank		319,199	11.35			126,501	4.50			182,724	6.50	%
Tier 1 leverage (to average assets):
Midland States Bancorp, Inc.		308,035	9.61	%		128,249	4.00	%		N/A	N/A
Midland States Bank		319,199	9.94			128,449	4.00			160,562	5.00	%

	December 31, 2016
									Required to be
					Minimum Required				Well Capitalized Under
					For Capital				Prompt Corrective
	Actual				Adequacy Purposes				Action Requirements
	Amount		Ratio		Amount		Ratio			Amount	Ratio
Total capital (to risk-weighted assets):
Midland States Bancorp, Inc.	$	374,955	13.85	%	$	216,612	8.00	%		N/A	N/A
Midland States Bank		329,759	12.17			216,773	8.00		$	270,966	10.00	%
Tier 1 capital (to risk-weighted assets):
Midland States Bancorp, Inc.		305,283	11.27	%		162,459	6.00	%		N/A	N/A
Midland States Bank		314,595	11.61			162,580	6.00			216,773	8.00	%
Common equity tier 1 capital (to risk-weighted assets):
Midland States Bancorp, Inc.		253,273	9.35	%		121,844	4.50	%		N/A	N/A
Midland States Bank		314,595	11.61			121,935	4.50			176,128	6.50	%
Tier 1 leverage (to average assets):
Midland States Bancorp, Inc.		305,283	9.76	%		125,076	4.00	%		N/A	N/A
Midland States Bank		314,595	10.05			125,271	4.00			156,589	5.00	%