Byline Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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