Byline Bancorp, Inc. BY Cash Flow

Byline bancorp, inc. (BY)

CashFlow / TTM

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17
CASH FLOWS FROM OPERATING ACTIVITIES
Net income
47,371	57,002	58,271	57,465	47,022	41,193	23,306	18,525	21,903	21,695	0	0	0
Adjustments to reconcile net income to net cash from operating activities:
PROVISION FOR LOAN AND LEASE LOSSES
31,164	20,708	20,203	20,114	17,679	18,795	18,260	16,318	15,877	12,653	0	0	0
Impairment loss on assets held for sale
892	569	0	0	0	-	-	-	-	-	-	-	-
Depreciation and amortization of premises and equipment
6,399	6,389	6,191	6,231	5,896	5,579	5,363	5,193	5,168	5,193	0	0	0
Net amortization of securities
-2,718	-2,468	-2,396	-2,508	-2,783	-3,192	-3,679	-4,185	-4,495	-4,670	0	0	0
Net change in fair value of equity securities, net
298	1,416	0	0	0	-	-	-	-	-	-	-	-
Net gains on sales of securities available-for-sale
0	-	-	-	-	-	-	-	-	8	0	0	0
Net loss on disposal of premises and equipment
0	-	-	-	-	-	-	-	-	-	-	-	-
Net gains on sales of assets held for sale
-	82	83	856	927	1,103	718	-119	-190	-217	0	0	0
Net gains on sales of loans
30,385	31,845	32,447	28,057	30,308	31,551	31,250	33,734	32,456	33,062	0	0	0
Originations of U.S. government guaranteed loans
346,684	330,585	304,685	301,872	301,244	336,212	329,384	334,402	313,822	293,615	0	0	0
Proceeds from U.S. government guaranteed loans sold
338,327	340,287	314,847	312,935	335,498	384,681	359,702	363,283	343,358	309,164	0	0	0
Accretion of premiums and discounts on acquired loans, net
21,660	23,190	24,172	24,727	23,454	20,599	-1,891	2,197	3,068	8,677	0	0	0
Net change in servicing assets
-1,734	-222	-735	-1,827	-2,081	-1,707	-995	163	656	309	0	0	0
Net valuation adjustments on other real estate owned
-890	-511	-313	-586	-639	-636	-660	-776	-688	-883	0	0	0
Net (gains) losses on sales of other real estate owned
543	428	14	465	210	383	989	574	1,059	2,147	0	0	0
Other intangible assets amortization expense
7,857	7,737	7,569	7,464	6,635	5,629	4,562	3,433	3,072	3,074	0	0	0
Amortization of time deposit premium
125	175	276	431	468	404	292	182	320	778	0	0	0
Amortization of Federal Home Loan Bank advances premium
-	-	-	-	-	19	72	124	176	209	0	0	0
Accretion of junior subordinated debentures discount
550	566	592	607	615	624	636	646	670	721	0	0	0
Share-based compensation expense
2,051	1,673	1,411	1,264	1,402	1,514	1,707	1,684	1,553	1,497	0	0	0
Deferred tax provision, net of valuation
-4,191	-882	8,150	14,123	17,674	15,442	20,064	11,282	13,668	16,604	0	0	0
Increase in cash surrender value of bank owned life insurance
326	304	291	263	249	243	243	243	248	247	0	0	0
Changes in assets and liabilities:
Accrued interest receivable
396	3,097	2,487	3,119	2,656	160	1,068	769	-540	799	0	0	0
Other assets
3,685	10,292	12,934	11,986	2,059	5,344	7,585	5,318	467	350	0	0	0
Accrued interest payable
-2,328	130	1,726	1,879	2,208	1,608	1,217	430	-281	-1,121	0	0	0
Other liabilities
0	-	-	-	0	-	-	-	-	-	-	-	-
Accrued expenses and other liabilities
-	-	-	-	-	-5,261	5,224	2,540	-12,571	-9,095	0	0	0
Net cash provided by operating activities
41,516	29,314	29,303	16,477	68,118	79,935	76,221	51,980	47,221	26,853	0	0	0
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of securities available-for-sale
707,606	549,871	363,001	259,136	218,350	206,046	172,661	132,067	125,381	53,480	0	0	0
Proceeds from maturities and calls of securities available-for-sale
174,849	123,617	92,260	56,634	39,516	29,593	13,875	13,365	12,165	7,917	0	0	0
Proceeds from paydowns of securities available-for-sale
118,783	104,139	84,227	73,271	64,632	60,557	61,934	64,220	66,293	69,320	0	0	0
Proceeds from sales of securities available-for-sale
0	-	-	-	-	-	-	-	-	8	0	0	0
Proceeds from paydowns of securities held-to-maturity
-	-	-	-	-	16,892	17,928	19,236	18,460	19,747	0	0	0
Purchases of Federal Home Loan Bank stock
31,050	38,610	39,510	42,570	39,981	36,633	34,923	27,723	23,157	19,485	0	0	0
Federal Home Loan Bank stock repurchases
-	36,099	34,795	39,024	39,316	35,134	27,709	22,084	15,483	18,135	0	0	0
Proceeds from other loans sold
-	-	-	-	-	-	-	-	-	9,984	0	0	0
Net change in loans and leases
37,302	23,154	106,109	229,811	356,338	300,142	326,296	284,875	128,953	132,568	0	0	0
Purchases of premises and equipment
5,328	4,267	3,489	3,454	3,494	2,578	1,680	1,471	1,804	2,538	0	0	0
Proceeds from sales of assets held for sale
-	1,373	1,374	3,888	3,975	4,415	5,389	3,662	3,575	5,373	0	0	0
Proceeds from sales of other real estate owned
3,082	2,990	2,904	3,521	5,960	7,051	11,001	11,056	10,004	13,898	0	0	0
Proceeds from bank owned life insurance death benefit
0	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used in investing activities
-314,636	-250,562	-195,586	-286,002	-429,564	-369,399	-376,806	-289,541	-151,261	-61,635	0	0	0
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits
140,274	107,665	49,652	125,626	262,169	284,723	197,862	82,193	-50,972	-46,287	0	0	0
Proceeds from short-term borrowings
0	-	-	-	0	-	-	-	-	-	-	-	-
Repayments of short-term borrowings
0	-	-	-	0	-	-	-	-	-	-	-	-
Proceeds from Federal Home Loan Bank advances
-	-	-	-	-	5,932,000	5,504,000	4,688,900	3,801,900	3,037,000	0	0	0
Repayments of Federal Home Loan Bank advances
-	-	-	-	-	5,868,487	5,313,487	4,488,387	3,631,387	2,989,000	0	0	0
Repayments of line of credit
-	-	-	-	-	-	-	-	-	20,650	0	0	0
Net increase in securities sold under agreements to repurchase
21,278	15,472	7,844	8,232	6,554	2,979	-6,361	-7,776	-4,125	13,938	0	0	0
Dividends paid on preferred stock
783	783	783	783	786	783	783	11,283	11,281	11,277	0	0	0
Dividends paid on common stock
0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from issuance of common stock upon exercise of stock options
3,187	3,146	2,997	3,510	1,971	2,340	0	0	0	-	-	-	-
Proceeds from issuance of common stock
557	580	0	0	0	-	-	-	-	-	-	-	-
Repurchases of common stock
0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from issuance of preferred stock
-	-	-	-	-	-	-	-	-	1,050	0	0	0
Net cash provided by financing activities
310,742	180,125	130,366	206,124	315,402	352,975	383,105	310,456	148,814	46,598	0	0	0
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS
37,622	-41,123	-35,917	-63,401	-46,044	63,511	82,520	72,895	44,774	11,816	0	0	0
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Cash paid during the period for interest
49,748	48,008	44,120	39,086	31,999	25,967	20,458	16,640	15,496	15,279	0	0	0
Cash paid (received) during the period for taxes
21,987	19,380	16,489	10,268	894	3,513	3,842	4,501	2,080	2,849	0	0	0
SUPPLEMENTAL DISCLOSURES OF NON-CASH INVESTING AND FINANCING ACTIVITIES:
Transfer of securities from held-to-maturity to available-for-sale
-	-	0	0	0	-	-	-	-	-	0	0	0
Reclassification of equity and other securities
-	-	0	0	0	-	-	-	-	-	-	-	-
Change in fair value of available-for-sale securities, net of tax
-	-	-	-	-	-	0	0	-5,342	-	0	0	0
Change in fair value of cash flow hedges, net of tax
-	-	-	-	-	-	0	0	3,591	-	0	0	0
Delayed payments of mortgage-backed securities
270	507	889	618	298	398	151	98	665	311	0	0	0
Transfers of loans to other real estate owned
-	-	-	-	-	-	0	0	6,926	-	0	0	0
Internally financed sale of other real estate owned
-	183	0	0	0	-	-	-	-	-	-	-	-
Change in due to broker
-	-	-	-	-	-	-	-	-	-	-	-	0
Transfers of land and premises to assets held for sale
-	-	-	-	-	-	-	-	-	-	0	0	0
Transfers of premises and equipment to other assets
-	-	-	-	-	-	-	-	-	-	0	0	0
Transfer of other assets to assets held for sale
-	-	-	-	-	-	0	0	0	-	-	-	-
Due from counterparties
61,751	43,145	38,049	13,995	854	5,338	0	0	0	-	-	-	-
Common dividend declared, not paid
0	-	-	-	-	-	-	-	-	-	-	-	-