Byline Bancorp, Inc. (BY)

Byline Bancorp Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	502.35	440.98	273.41	222.99	208.79
Interest Income on Investments	63.58	38.49	28.15	25.93	30.44
Total Interest Income	565.93	479.48	301.56	248.93	239.23
Interest Paid on Deposits	192.37	121.44	19.8	4.5	16.62
Interest Paid on Borrowings	25.52	27.42	16.43	8.04	7.63
Total Interest Expense	217.88	148.86	36.23	12.54	24.25
Net Interest Income	348.05	330.62	265.33	236.39	214.98
Net Interest Income Growth (YoY)	5.27%	24.61%	12.24%	9.96%	-0.60%
Trust Income	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	0.42	1.07	-0.55	1.37	6.03
Other Non-Interest Income	19.36	19.07	14.01	16.28	13.53
Total Non-Interest Income	58.85	54.32	56.94	61.92	57.29
Non-Interest Income Growth (YoY)	8.35%	-4.61%	-8.04%	8.08%	4.21%
Revenues Before Loan Losses	406.9	384.94	322.27	298.31	272.27
Provision for Loan Losses	27.04	31.65	23.88	0.97	56.68
Revenue	379.86	353.28	298.39	297.34	215.59
Revenue Growth (YoY)	7.52%	18.40%	0.36%	37.92%	-13.95%
Salaries and Employee Benefits	140.12	119.88	112.55	96.8	87.07
Occupancy Expenses	18.7	9.81	9.21	11.77	19.4
Federal Deposit Insurance	-	4.14	2.95	1.72	2.22
Amortization of Goodwill & Intangibles	5.38	6.01	6.67	7.07	7.62
Selling, General & Administrative	30.3	53.5	40.74	38.2	28.3
Other Non-Interest Expense	23.71	13.48	10.88	12.39	17.5
Total Non-Interest Expense	218.78	207.21	183.71	169.02	163.93
EBT Excluding Unusual Items	161.08	146.08	114.68	128.31	51.67
Asset Writedown	-	-0.4	-	-4.1	-
Pretax Income	161.08	145.68	114.68	124.21	51.67
Income Tax Expense	40.32	37.8	26.73	31.43	14.2
Net Income	120.76	107.88	87.95	92.79	37.47
Preferred Dividends & Other Adjustments	-	-	0.2	0.78	0.78
Net Income to Common	120.76	107.88	87.76	92	36.68
Net Income Growth	11.94%	22.65%	-5.21%	147.64%	-34.27%
Basic Shares Outstanding	43	40	37	38	38
Diluted Shares Outstanding	44	40	37	38	38
Shares Change (YoY)	8.43%	7.92%	-2.33%	0.15%	0.86%
EPS (Basic)	2.78	2.69	2.37	2.45	0.96
EPS (Diluted)	2.75	2.67	2.34	2.40	0.96
EPS Growth	3.00%	14.10%	-2.50%	150.00%	-35.14%
Dividend Per Share	0.360	0.360	0.360	0.300	0.120
Dividend Growth	0%	0%	20.00%	150.00%	300.00%
Effective Tax Rate	25.03%	25.95%	23.31%	25.30%	27.48%

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