Byline Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	511.22	502.35	440.98	273.41	222.99
Interest Income on Investments	61	63.58	38.49	28.15	25.93
Total Interest Income	572.22	565.93	479.48	301.56	248.93
Interest Paid on Deposits	167.72	192.37	121.44	19.8	4.5
Interest Paid on Borrowings	19.15	25.52	27.42	16.43	8.04
Total Interest Expense	186.87	217.88	148.86	36.23	12.54
Net Interest Income	385.35	348.05	330.62	265.33	236.39
Net Interest Income Growth (YoY)	10.72%	5.27%	24.61%	12.24%	9.96%
Trust Income	4.85	4.31	4.16	3.81	3.07
Gain (Loss) on Sale of Assets	-0.2	-	-2	-0.37	-12.33
Gain (Loss) on Sale of Investments	0.77	0.42	1.07	-0.55	1.37
Other Non-Interest Income	21.71	19.36	19.07	14.01	16.28
Total Non-Interest Income	60.73	58.85	54.32	56.94	61.92
Non-Interest Income Growth (YoY)	3.19%	8.35%	-4.61%	-8.04%	8.08%
Revenues Before Loan Losses	446.08	406.9	384.94	322.27	298.31
Provision for Loan Losses	36.1	27.04	31.65	23.88	0.97
Revenue	409.98	379.86	353.28	298.39	297.34
Revenue Growth (YoY)	7.93%	7.52%	18.39%	0.36%	37.92%
Salaries and Employee Benefits	150.38	131.84	119.88	112.55	96.8
Occupancy Expenses	18.26	10.35	9.81	9.21	11.77
Federal Deposit Insurance	-	4.18	4.14	2.95	1.72
Amortization of Goodwill & Intangibles	5.61	5.38	6.01	6.67	7.07
Selling, General & Administrative	35.5	52.79	53.5	40.74	38.2
Other Non-Interest Expense	25.83	12.42	13.48	10.88	12.39
Total Non-Interest Expense	236.72	217.51	207.21	183.71	169.02
EBT Excluding Unusual Items	173.25	162.34	146.08	114.68	128.31
Asset Writedown	-	-1.26	-0.4	-	-4.1
Pretax Income	173.25	161.08	145.68	114.68	124.21
Income Tax Expense	43.2	40.32	37.8	26.73	31.43
Net Income	130.05	120.76	107.88	87.95	92.79
Preferred Dividends & Other Adjustments	-	-	-	0.2	0.78
Net Income to Common	130.05	120.76	107.88	87.76	92
Net Income Growth	7.70%	11.94%	22.65%	-5.21%	147.65%
Basic Shares Outstanding	45	43	40	37	38
Diluted Shares Outstanding	45	44	40	37	38
Shares Change (YoY)	2.76%	8.43%	7.92%	-2.33%	0.15%
EPS (Basic)	2.90	2.78	2.69	2.37	2.45
EPS (Diluted)	2.89	2.75	2.67	2.34	2.40
EPS Growth	5.09%	3.00%	14.10%	-2.50%	150.00%
Dividend Per Share	0.400	0.360	0.360	0.360	0.300
Dividend Growth	11.11%	-	-	20.00%	150.00%
Effective Tax Rate	24.94%	25.03%	25.95%	23.31%	25.30%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.