Midland States Bancorp, Inc. (MSBI) Q4 2022 Earnings Call Transcript

Jan. 27, 2023 11:10 AM ETMidland States Bancorp, Inc. (MSBI), MSBIP
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Midland States Bancorp, Inc. (NASDAQ:MSBI) Q4 2022 Earnings Conference Call January 27, 2022 8:30 AM ET

Company Participants

Tony Rossi - IR, Financial Profiles, Inc.

Jeffrey Ludwig - President & CEO

Eric Lemke - CFO

Conference Call Participants

Jeff Rulis - D.A. Davidson & Co.

Damon DelMonte - Keefe, Bruyette & Woods North America

Nathan Race - Piper Sandler


Good day, and thank you for standing by. Welcome to the Q4 2022 Midland States Bancorp Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there'll be a question-and-answer session. [Operator Instructions]

I would now like to turn the conference over to your host today, Tony Rossi of Financial Profiles. You may begin.

Tony Rossi

Thank you, Kevin. Good morning, everyone and thank you for joining us today for the Midland States Bancorp fourth quarter 2022 earnings call. Joining us from Midland's management team are Jeff Ludwig, President and Chief Executive Officer; and Eric Lemke, Chief Financial Officer. We will be using a slide presentation as part of our discussion this morning. If you've not done so already, please visit the Webcasts and Presentations page of Midland's Investor Relations website to download a copy of the presentation.

Before we begin, I'd like to remind you that this conference call contains forward-looking statements with respect to the future performance and financial condition of Midland States Bancorp that involve risks and uncertainties. Various factors could cause actual results to be materially different from any future results expressed or implied by such forward-looking statements. These factors are discussed in the company's SEC filings which are available on the company's website. The company disclaims any obligation to update any forward-looking statements made during the call.

Additionally, management may refer to non-GAAP measures, which are intended to supplement, but not

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