Byline Bancorp, Inc. (FRA:44F)

Byline Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	505.53	502.35	440.98	273.41	222.99	208.79
Interest Income on Investments	62.06	63.58	38.49	28.15	25.93	30.44
Total Interest Income	567.59	565.93	479.48	301.56	248.93	239.23
Interest Paid on Deposits	176.01	192.37	121.44	19.8	4.5	16.62
Interest Paid on Borrowings	19	25.52	27.42	16.43	8.04	7.63
Total Interest Expense	195.01	217.88	148.86	36.23	12.54	24.25
Net Interest Income	372.58	348.05	330.62	265.33	236.39	214.98
Net Interest Income Growth (YoY)	7.74%	5.27%	24.61%	12.24%	9.96%	-0.60%
Trust Income	4.63	4.31	4.16	3.81	3.07	2.68
Gain (Loss) on Sale of Assets	-	-	-2	-0.37	-12.33	-4.77
Gain (Loss) on Sale of Investments	0.59	0.42	1.07	-0.55	1.37	6.03
Other Non-Interest Income	20.97	19.36	19.07	14.01	16.28	13.53
Total Non-Interest Income	61.36	58.85	54.32	56.94	61.92	57.29
Non-Interest Income Growth (YoY)	11.11%	8.35%	-4.61%	-8.04%	8.08%	4.21%
Revenues Before Loan Losses	433.94	406.9	384.94	322.27	298.31	272.27
Provision for Loan Losses	33.28	27.04	31.65	23.88	0.97	56.68
Revenue	400.66	379.86	353.28	298.39	297.34	215.59
Revenue Growth (YoY)	7.23%	7.52%	18.39%	0.36%	37.92%	-13.96%
Salaries and Employee Benefits	139.87	131.84	119.88	112.55	96.8	87.07
Occupancy Expenses	11.21	10.35	9.81	9.21	11.77	19.4
Federal Deposit Insurance	4.18	4.18	4.14	2.95	1.72	2.22
Amortization of Goodwill & Intangibles	5.46	5.38	6.01	6.67	7.07	7.62
Selling, General & Administrative	57	52.79	53.5	40.74	38.2	28.3
Other Non-Interest Expense	13.93	12.42	13.48	10.88	12.39	17.5
Total Non-Interest Expense	232.91	217.51	207.21	183.71	169.02	163.93
EBT Excluding Unusual Items	167.75	162.34	146.08	114.68	128.31	51.67
Asset Writedown	-1.26	-1.26	-0.4	-	-4.1	-
Pretax Income	166.68	161.08	145.68	114.68	124.21	51.67
Income Tax Expense	40.83	40.32	37.8	26.73	31.43	14.2
Net Income	125.85	120.76	107.88	87.95	92.79	37.47
Preferred Dividends & Other Adjustments	-	-	-	0.2	0.78	0.78
Net Income to Common	125.85	120.76	107.88	87.76	92	36.68
Net Income Growth	4.84%	11.94%	22.65%	-5.21%	147.65%	-34.27%
Basic Shares Outstanding	44	43	40	37	38	38
Diluted Shares Outstanding	45	44	40	37	38	38
Shares Change (YoY)	2.53%	8.43%	7.92%	-2.33%	0.15%	0.86%
EPS (Basic)	2.83	2.78	2.69	2.37	2.45	0.96
EPS (Diluted)	2.81	2.75	2.67	2.34	2.40	0.96
EPS Growth	1.86%	3.00%	14.10%	-2.50%	150.00%	-35.13%
Dividend Per Share	0.390	0.360	0.360	0.360	0.300	0.120
Dividend Growth	8.33%	-	-	20.00%	150.00%	300.00%
Effective Tax Rate	24.50%	25.03%	25.95%	23.31%	25.30%	27.48%

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