Byline Bancorp, Inc. BY Income Statement

Byline bancorp, inc. (BY)

Income statement / Quarterly

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	Sep'16	Jun'16
INTEREST AND DIVIDEND INCOME
Interest and fees on loans and leases
54,158	58,203	63,391	59,524	54,383	56,646	55,045	39,627	33,654	31,896	30,933	29,181	28,396	19,081	18,254
Interest on securities
8,016	6,340	6,554	6,237	6,102	5,334	5,076	4,572	4,055	3,679	3,720	3,703	3,790	3,312	3,545
Interest on tax-exempt securities
-	-	486	428	-	355	337	229	174	176	174	151	133	152	178
Other interest and dividend income
992	500	598	571	625	560	615	413	259	205	217	280	169	112	78
Total interest and dividend income
63,166	65,915	71,029	66,760	61,110	62,895	61,073	44,841	38,142	35,956	35,044	33,315	32,488	22,657	22,055
INTEREST EXPENSE
Deposits
7,804	9,325	9,618	9,306	8,076	7,115	5,971	3,745	2,498	2,218	2,112	1,923	1,483	1,063	1,065
Short-term borrowings
1,897	-	-	-	2,166	-	-	-	-	-	-	-	-	-	-
Junior subordinated debentures issued to capital trusts
640	-	-	-	783	-	-	-	-	-	-	-	-	-	-
Federal Home Loan Bank advances
-	-	2,771	2,174	-	1,719	1,723	1,360	1,358	1,009	850	772	660	200	93
Subordinated debentures and other borrowings
-	-	802	832	-	800	786	680	591	578	670	809	807	529	516
Total interest expense
10,341	12,001	13,191	12,312	11,025	9,634	8,480	5,785	4,447	3,805	3,632	3,504	2,950	1,792	1,674
Net interest income
52,825	53,914	57,838	54,448	50,085	53,261	52,593	39,056	33,695	32,151	31,412	29,811	29,538	20,865	20,381
PROVISION FOR LOAN AND LEASE LOSSES
14,455	4,387	5,931	6,391	3,999	3,882	5,842	3,956	5,115	3,347	3,900	3,515	1,891	1,683	1,152
Net interest income after provision for loan and lease losses
38,370	49,527	51,907	48,057	46,086	49,379	46,751	35,100	28,580	28,804	27,512	26,296	27,647	19,182	19,229
NON-INTEREST INCOME
Total non-interest income
9,173	14,516	14,806	14,183	11,988	14,290	10,902	14,211	11,123	11,611	11,918	13,193	12,308	4,776	6,198
Net servicing fees
-	-	-	-	-	-	-	-	-	-	-	1,076	919	-	-
ATM and interchange fees
1,216	1,150	973	945	717	1,010	1,540	850	913	470	1,495	1,499	1,348	1,470	1,514
Net gains on sales of securities available-for-sale
1,375	-	178	973	-	-	-	4	-	0	0	0	8	802	1,506
Change in fair value of equity securities, net
-619	381	-15	551	499	-	-	-	-	-	-	-	-	-	-
Net gains on sales of loans
4,773	8,735	9,405	7,472	6,233	9,337	5,015	9,723	7,476	9,036	7,499	8,445	8,082	-60	21
Wealth management and trust income
669	704	653	626	595	-	674	192	-	-	-	-	-	-	-
Fees on mortgage loan sales, net
-	-	-	-	-	-	-	-	-	-	-	-	-	46	35
Other non-interest income
392	1,622	918	768	896	1,447	1,672	1,527	859	97	547	825	732	1,053	1,749
NON-INTEREST EXPENSE
Salaries and employee benefits
24,666	24,228	24,537	23,652	22,892	21,548	21,312	19,244	18,278	17,118	16,323	17,226	16,602	11,266	11,000
Occupancy and equipment expense, net
5,524	-	-	-	4,949	-	-	-	-	-	-	-	-	-	-
Occupancy expense, net
-	-	3,745	4,337	-	4,027	3,548	4,499	3,755	3,553	3,301	3,485	3,739	3,358	3,759
Equipment expense
-	-	767	732	-	641	617	558	603	663	630	616	563	516	468
Loan and lease related expenses
1,311	2,648	1,949	1,841	1,577	2,223	1,015	1,471	1,400	1,116	891	801	877	443	186
Legal, audit and other professional fees
2,334	2,340	4,066	2,981	2,066	2,746	2,358	4,418	1,851	2,658	1,608	1,090	1,671	1,065	1,727
Data processing
2,665	2,678	4,062	3,849	3,144	2,846	2,724	10,371	2,301	2,284	2,399	2,447	2,409	1,990	1,950
Net loss recognized on other real estate owned and other related expenses
-519	-122	-95	-252	-196	-48	284	-472	1	430	-565	-141	570	-292	-195
Regulatory assessments
-	-	228	371	-	462	675	366	241	299	326	384	184	502	578
Other intangible assets amortization expense
1,893	2,002	2,003	1,959	1,773	1,834	1,898	1,130	767	767	769	769	769	747	748
Advertising and promotions
-	-	843	732	-	590	537	347	249	232	196	318	289	156	63
Telecommunications
-	-	474	537	-	391	435	466	418	428	351	396	418	370	456
Other non-interest expense
4,615	1,562	2,679	2,711	4,082	2,732	2,880	2,137	1,752	642	3,706	1,576	1,900	1,679	1,687
Total non-interest expense
43,527	43,694	45,448	43,954	40,679	40,088	37,715	45,479	31,614	29,330	31,065	29,249	28,851	22,384	22,817
INCOME BEFORE PROVISION FOR INCOME TAXES
4,016	20,349	21,265	18,286	17,395	23,581	19,938	3,832	8,089	11,085	8,365	10,240	11,104	1,574	2,610
PROVISION FOR INCOME TAXES
1,050	4,497	5,923	5,075	4,798	6,460	5,402	1,064	1,321	11,851	-1,390	4,094	4,544	9	9
NET INCOME
2,966	15,852	15,342	13,211	12,597	17,121	14,536	2,768	6,768	-766	9,755	6,146	6,560	1,565	2,601
Dividends on preferred shares
196	196	196	195	196	196	196	198	193	196	195	10,697	189	-	-
INCOME AVAILABLE TO COMMON STOCKHOLDERS
2,770	15,656	15,146	13,016	12,401	16,925	14,340	2,570	6,575	-962	9,560	-4,551	6,371	-	2,601
EARNINGS PER COMMON SHARE
Basic
0.07	0.42	0.40	0.35	0.34	0.51	0.40	0.08	0.22	-0.02	0.33	-0.18	0.26	0.08	0.13
Diluted
0.07	0.41	0.39	0.34	0.34	0.49	0.39	0.08	0.22	-0.01	0.32	-0.18	0.25	0.08	0.13
Weighted average common shares outstanding for basic earnings per common share
-	-	-	-	-	-	-	-	-	-	-	-	-	-	19,487
Diluted weighted average common shares outstanding for diluted earnings per common share
-	-	-	-	-	-	-	-	-	-	-	-	-	-	19,741
Fees and Service Charges on Deposits [Member]
Total non-interest income
1,673	-	-	-	1,770	-	-	-	-	-	-	-	-	-	-
Fees and charges
-	-	1,612	1,441	-	1,852	1,825	1,456	1,312	1,304	1,418	1,348	1,219	1,465	1,373
Loan Servicing Revenue [Member]
Total non-interest income
2,758	-	-	-	2,539	-	-	-	-	-	-	-	-	-	-
Fees and charges
-	-	2,692	2,630	-	2,667	2,622	2,533	2,450	-	959	-	-	-	-
Loan Servicing Asset Revaluation [Member]
Total non-interest income
-3,064	-	-	-	-1,261	-	-	-	-	-	-	-	-	-	-
Fees and charges
-	-	-1,610	-1,223	-	-2,862	-2,446	-2,074	-1,887	-	-	-	-	-	-