CAPITAL REQUIREMENTS (Tables)

6 Months Ended

Jun. 30, 2017

CAPITAL REQUIREMENTS

Schedule of actual and required capital amounts and ratios

At June 30, 2017 and December 31, 2016, the Company’s, the Bank’s and Centrue Bank’s actual and required capital ratios were as follows (dollars in thousands):

	June 30, 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.	$	457,097	12.34	%	$	296,298	8.00	%		N/A	N/A
Midland States Bank		333,095	11.61			229,425	8.00		$	286,782	10.00	%
Centrue Bank		102,693	12.89			63,735	8.00			79,669	10.00
Tier 1 capital (to risk-weighted assets):
Midland States Bancorp, Inc.		386,864	10.45			222,223	6.00			N/A	N/A
Midland States Bank		317,433	11.07			172,069	6.00			229,425	8.00
Centrue Bank		102,677	12.89			47,801	6.00			63,735	8.00
Common equity tier 1 capital (to risk-weighted assets):
Midland States Bancorp, Inc.		321,445	8.68			166,667	4.50			N/A	N/A
Midland States Bank		317,433	11.07			129,052	4.50			186,408	6.50
Centrue Bank		102,677	12.89			35,851	4.50			51,785	6.50
Tier 1 leverage (to average assets):
Midland States Bancorp, Inc.		386,864	11.04			140,216	4.00			N/A	N/A
Midland States Bank		317,433	9.56			132,857	4.00			166,071	5.00
Centrue Bank		102,677	10.80			38,034	4.00			47,543	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