Byline Bancorp Cash Flow 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
Net Income	-	120.76	107.88	87.95	92.79
Depreciation & Amortization	-	10.41	10.54	10.96	12.99
Other Amortization	-	0.61	0.63	0.61	0.63
Gain (Loss) on Sale of Assets	-	-1.29	1.79	0.92	12.54
Gain (Loss) on Sale of Investments	-	-2.49	-0.18	4.83	6.94
Total Asset Writedown	-	1.07	0.4	-	4.1
Provision for Credit Losses	-	27.04	31.65	23.88	0.97
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-10.03	29.02	57.4	41.02
Accrued Interest Receivable	-	20.34	-1.06	-74.59	-30.44
Other Operating Activities	-	-17.23	8.81	23.53	-9.69
Operating Cash Flow	-	175.16	166.07	220.33	74.43
Operating Cash Flow Growth	-	5.48%	-24.63%	196.04%	-31.73%
Capital Expenditures	-	-3.99	-3.86	-3.63	-2.24
Sale of Property, Plant and Equipment	-	6.67	2.54	3.31	9.34
Cash Acquisitions	-	-	7.83	-	-
Investment in Securities	-	-77.46	92.22	86.51	36.42
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-246.19	-453.51	-900.33	-203.81
Other Investing Activities	-	-11.15	14.96	-6.2	-80.04
Investing Cash Flow	-	-330.92	-336.24	-819.86	-236.05
Short-Term Debt Issued	-	2,975	17,735	22,270	13,337
Long-Term Debt Issued	-	-	20	-	196.68
Total Debt Issued	-	2,975	17,755	22,270	13,534
Short-Term Debt Repaid	-	-2,745	-18,039	-22,149	-13,093
Long-Term Debt Repaid	-	-6.67	-1.67	-	-568.59
Total Debt Repaid	-	-2,751	-18,041	-22,149	-13,662
Net Debt Issued (Repaid)	-	223.58	-285.66	120.68	-128.18
Issuance of Common Stock	-	4.52	1.79	1.51	2.14
Repurchase of Common Stock	-	-	-	-17.27	-28.87
Preferred Share Repurchases	-	-	-	-10.44	-
Common Dividends Paid	-	-15.85	-14.59	-13.4	-11.27
Preferred Dividends Paid	-	-	-	-0.2	-0.78
Total Dividends Paid	-	-15.85	-14.59	-13.6	-12.05
Net Increase (Decrease) in Deposit Accounts	-	280.51	515.42	540.07	403.09
Financing Cash Flow	-	492.76	216.96	620.95	236.13
Net Cash Flow	-	337	46.78	21.42	74.51
Free Cash Flow	-	171.17	162.21	216.7	72.19
Free Cash Flow Growth	-	5.53%	-25.15%	200.18%	-31.32%
Free Cash Flow Margin	-	45.06%	45.91%	72.62%	24.28%
Free Cash Flow Per Share	-	3.90	4.01	5.78	1.88
Cash Interest Paid	-	217.41	128.64	31.18	13.05
Cash Income Tax Paid	-	12.5	12.24	28.65	34.82

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