Byline Bancorp, Inc. (BY)

Byline Bancorp Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	502.69	440.98	273.41	222.99	208.79	235.5
Interest Income on Investments	59.25	38.49	28.15	25.93	30.44	29.31
Total Interest Income	561.94	479.48	301.56	248.93	239.23	264.81
Interest Paid on Deposits	188.89	121.44	19.8	4.5	16.62	36.33
Interest Paid on Borrowings	27.24	27.42	16.43	8.04	7.63	12.2
Total Interest Expense	216.13	148.86	36.23	12.54	24.25	48.53
Net Interest Income	345.81	330.62	265.33	236.39	214.98	216.29
Net Interest Income Growth (YoY)	7.92%	24.61%	12.24%	9.96%	-0.60%	21.10%
Trust Income	4.46	4.16	3.81	3.07	2.68	2.58
Gain (Loss) on Sale of Assets	-1.98	-2	-0.37	-12.33	-4.77	-0.57
Gain (Loss) on Sale of Investments	1.23	1.07	-0.55	1.37	6.03	2.57
Other Non-Interest Income	18.55	19.07	14.01	16.28	13.53	12.1
Total Non-Interest Income	55.23	54.32	56.94	61.92	57.29	54.98
Non-Interest Income Growth (YoY)	3.89%	-4.61%	-8.04%	8.08%	4.21%	10.90%
Revenues Before Loan Losses	401.03	384.94	322.27	298.31	272.27	271.26
Provision for Loan Losses	27.4	31.65	23.88	0.97	56.68	20.71
Revenue	373.63	353.28	298.39	297.34	215.59	250.56
Revenue Growth (YoY)	9.77%	18.40%	0.36%	37.92%	-13.95%	19.66%
Salaries and Employee Benefits	127.05	119.88	112.55	96.8	87.07	93.45
Occupancy Expenses	9.72	9.81	9.21	11.77	19.4	10.87
Federal Deposit Insurance	4.14	4.14	2.95	1.72	2.22	0.7
Amortization of Goodwill & Intangibles	5.59	6.01	6.67	7.07	7.62	7.74
Selling, General & Administrative	51.73	53.5	40.74	38.2	28.3	41.31
Other Non-Interest Expense	14.53	13.48	10.88	12.39	17.5	18.54
Total Non-Interest Expense	212.76	207.21	183.71	169.02	163.93	173.26
EBT Excluding Unusual Items	160.88	146.08	114.68	128.31	51.67	77.3
Asset Writedown	-0	-0.4	-	-4.1	-	-
Pretax Income	160.68	145.68	114.68	124.21	51.67	77.3
Income Tax Expense	40.64	37.8	26.73	31.43	14.2	20.29
Net Income	120.04	107.88	87.95	92.79	37.47	57
Preferred Dividends & Other Adjustments	-	-	0.2	0.78	0.78	0.78
Net Income to Common	120.04	107.88	87.76	92	36.68	56.22
Net Income Growth	18.88%	22.65%	-5.21%	147.64%	-34.27%	38.38%
Basic Shares Outstanding	43	40	37	38	38	37
Diluted Shares Outstanding	44	40	37	38	38	38
Shares Change (YoY)	12.30%	7.92%	-2.33%	0.15%	0.86%	11.14%
EPS (Basic)	2.77	2.69	2.37	2.45	0.96	1.51
EPS (Diluted)	2.76	2.67	2.34	2.40	0.96	1.48
EPS Growth	6.38%	14.10%	-2.50%	150.00%	-35.14%	25.42%
Dividend Per Share	0.360	0.360	0.360	0.300	0.120	0.030
Dividend Growth	0%	0%	20.00%	150.00%	300.00%	-
Effective Tax Rate	25.29%	25.95%	23.31%	25.30%	27.48%	26.25%

Source: S&P Capital IQ. Banks template. Financial Sources.