← BYLINE BANCORP, INC.
| Annual Trend | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total interest and dividend income | $136.8m |
$207.0m
+51.28%
|
$264.8m
+27.96%
|
$239.2m
-9.66%
|
$248.9m
+4.05%
|
$301.6m
+21.14%
|
$479.5m
+59.00%
|
$565.9m
+18.03%
|
$572.2m
+1.11%
|
— | |
| Loan servicing revenue | $122.9m | $178.6m | $10.7m | $11.3m | $12.7m | $13.5m | $13.5m | $12.9m | $12.3m | — | |
| Net losses on sales of securities available-for-sale | $8k | $164k | $1.2m | $5.3m | $1.4m | $50k | $0 | ($699k) | ($21k) | — | |
| Net gains on sales of loans | $33.1m | $31.6m | $31.8m | $33.3m | $46.3m | $31.9m | $22.8m | $24.5m | $22.7m | — | |
| Other non-interest income | $2.2m | $5.5m | $4.2m | $3.0m | $5.8m | $7.8m | $6.2m | $8.7m | $11.0m | — | |
| Total non-interest income | $49.0m | $50.5m | $55.5m | $62.1m | $74.3m | $57.3m | $56.3m | $58.9m | $60.9m | — | |
| Net interest income | $122.9m |
$178.6m
+45.31%
|
$216.3m
+21.10%
|
$215.0m
-0.60%
|
$236.4m
+9.96%
|
$265.3m
+12.24%
|
$330.6m
+24.61%
|
$348.0m
+5.27%
|
$385.3m
+10.72%
|
$397.0m
+3.02%
|
|
| Salaries and employee benefits | $67.3m | $80.4m | $95.3m | $89.8m | $101.2m | $118.1m | $127.0m | $140.1m | $150.4m | — | |
| Other non-interest expense | $7.8m | $9.5m | $11.0m | $17.0m | $10.0m | $9.2m | $10.9m | $10.9m | $11.4m | — | |
| Total non-interest expense | $118.5m | $154.9m | $173.8m | $169.4m | $185.0m | $184.1m | $209.6m | $218.8m | $236.9m | — | |
| Total interest expense | $13.9m | $28.3m | $48.5m | $24.3m | $12.5m | $36.2m | $148.9m | $217.9m | $186.9m | — | |
| Net interest income after provision for credit losses | $110.3m |
$159.8m
+44.94%
|
$195.6m
+22.38%
|
$159.0m
-18.69%
|
$234.9m
+47.73%
|
$241.5m
+2.78%
|
$299.0m
+23.82%
|
$321.0m
+7.37%
|
$349.2m
+8.80%
|
$397.0m
+13.67%
|
|
| INCOME BEFORE PROVISION FOR INCOME TAXES | $40.8m | $55.4m | $77.3m | $51.7m | $124.2m | $114.7m | $145.7m | $161.1m | $173.3m | ||
| PROVISION FOR INCOME TAXES | $19.1m | $14.2m | $20.3m | $14.2m | $31.4m | $26.7m | $37.8m | $40.3m | $43.2m | ||
| Net loss recognized on other real estate owned and other related expenses | ($294k) | $235k | $665k | $1.8m | $1.1m | $708k | $385k | $568k | $1.1m | — | |
| NET INCOME | $21.7m |
$41.2m
+89.87%
|
$57.0m
+38.38%
|
$37.5m
-34.27%
|
$92.8m
+147.64%
|
$88.0m
-5.21%
|
$107.9m
+22.65%
|
$120.8m
+11.94%
|
$130.1m
+7.69%
|
$139.4m
+7.17%
|
|
| Basic | $0.39 | $1.21 | $1.51 | $0.96 | $2.45 | $2.37 | $2.69 | $2.78 | $2.90 | $3.09 | |
| Diluted | $0.38 | $1.18 | $1.48 | $0.96 | $2.40 | $2.34 | $2.67 | $2.75 | $2.89 | $139,382,000.00 | |
| Interest and fees on loans and leases | $120.4m | $185.0m | $235.5m | $208.8m | $223.0m | $273.4m | $441.0m | $502.4m | $511.2m | — | |
| Interest on taxable securities | $14.9m | $19.0m | $25.2m | $25.9m | $19.7m | $21.9m | $27.4m | $39.8m | $48.4m | — | |
| Interest on tax-exempt securities | $634k | $1.1m | $1.8m | $3.0m | $3.9m | $3.4m | $3.4m | $3.5m | $3.4m | — | |
| Other interest and dividend income | $871k | $1.8m | $2.3m | $1.6m | $2.3m | $2.8m | $7.7m | $20.4m | $9.2m | — | |
| Deposits | $7.7m | $19.3m | $36.3m | $16.6m | $4.5m | $19.8m | $121.4m | $192.4m | $167.7m | — | |
| Other borrowings | — | $6.3m | $9.3m | $3.3m | $1.7m | $9.3m | $17.2m | $13.7m | $6.4m | — | |
| Subordinated notes and debentures | — | $2.7m | $2.9m | $4.3m | $6.4m | $7.1m | $10.3m | $11.8m | $12.8m | — | |
| PROVISION FOR CREDIT LOSSES | $56.7m | $973k | $23.9m | $31.7m | $27.0m | $36.1m | |||||
| Fees and service charges on deposits | — | — | $6.5m | $6.5m | $7.3m | $8.2m | $9.2m | $10.2m | $10.9m | — | |
| Loan servicing asset revaluation | — | — | ($6.6m) | ($5.0m) | ($6.7m) | ($11.7m) | ($5.1m) | ($6.7m) | ($5.6m) | — | |
| ATM and interchange fees | $4.8m | $4.3m | $3.8m | $4.2m | $4.5m | $4.4m | $4.5m | $4.5m | $4.1m | — | |
| Change in fair value of equity securities, net | — | — | $1.4m | $729k | ($62k) | ($603k) | $1.1m | $1.1m | $795k | — | |
| Wealth management and trust income | — | $1.5m | $2.6m | $2.7m | $3.1m | $3.8m | $4.2m | $4.3m | $4.8m | — | |
| Occupancy expense, net | $14.1m | $15.8m | $16.7m | $19.4m | $16.6m | $13.2m | $14.0m | $14.7m | $14.5m | — | |
| Equipment expense | $2.5m | $2.4m | $3.1m | $3.6m | $4.1m | $3.8m | $4.5m | $4.0m | $3.8m | — | |
| Impairment loss on assets held for sale | — | — | $569k | $4.8m | $12.3m | $372k | $2.0m | $0 | $195k | — | |
| Loan and lease related expenses | $3.7m | $6.1m | $8.0m | $6.0m | $6.0m | $1.7m | $2.9m | $2.8m | $3.6m | — | |
| Legal, audit, and other professional fees | $7.0m | $11.4m | $11.5m | $8.1m | $10.2m | $10.4m | $12.9m | $13.4m | $16.1m | — | |
| Data processing | $9.5m | $18.2m | $13.7m | $10.9m | $11.8m | $13.4m | $19.5m | $16.9m | $19.4m | — | |
| Regulatory assessments | $1.2m | $1.7m | $697k | $2.2m | $1.7m | $3.0m | $4.1m | $4.2m | $4.2m | — | |
| Other intangible assets amortization expense | $3.1m | $5.6m | $7.7m | $7.6m | $7.1m | $6.7m | $6.0m | $5.4m | $5.6m | — | |
| Advertising and promotions | $1.0m | $1.7m | $3.4m | $1.3m | $1.8m | $2.8m | $3.8m | $5.0m | $5.6m | — | |
| Telecommunications | $1.6m | $1.7m | $2.0m | $1.7m | $1.2m | $918k | $1.4m | $870k | $884k | — |