☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______to ______ Commission File Number 001-38139 BYLINE BANCORP, INC. | --- | --- | --- | |-----------------------|----------------------------------------------------------------------------------------------------------------------------------------- ...

Byline Bancorp, Inc. (NYSE:BY) Q2 2023 Earnings Conference Call July 28, 2023 10:00 AM ET Company Participants Brooks Rennie - Head, IR Alberto Paracchini - President Roberto Herencia - Chairman, CEO Thomas Bell - CFO and Treasurer Mark Fucinato - Chief Credit Officer Conference Call Participants Nathan Race - Piper Sandler Ben Gerlinger - Hovde Group Terry McEvoy - Stephens Brian Martin - Janney Montgomery Scott Damon DelMonte - KBW Operator Good morning, and welcome to the Byline Bancorp Second Quarter 20 ...

GAAP Reconciliation and Management Explanation of Non-GAAP Financial Measures 73 • "Total revenue" is the combination of net interest income and non-interest income. Management believes the metric is an important measure of the Company's operating performance on an ongoing basis. • "Tangible book value per common share" is calculated as tangible common equity, which is stockholders' equity reduced by preferred stock and goodwill and other intangible assets, divided by total shares of common stock outstandin ...

Byline Bancorp, Inc. (NYSE:BY) Q1 2023 Results Conference Call April 28, 2023 10:00 AM ET Company Participants Brooks Rennie - Head, IR Alberto Paracchini - President Roberto Herencia - Chairman, CEO Thomas Bell - CFO, Treasurer Mark Fucinato - Chief Credit Officer Conference Call Participants Ben Gerlinger - Hovde Group Brian Martin - Janney Damon DelMonte - KBW Nate Race - Piper Sandler Terry McEvoy - Stephens Operator Good morning, and welcome to Byline Bancorp First Quarter 2023 Earnings Call. My name ...

FORM 10-K Non-accelerated filer ☐ Smaller reporting company ☐ Table of Contents PART III Item 10. Directors, Executive Officers and Corporate Governance 131 Item 11. Executive Compensation 132 Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 132 Item 13. Certain Relationships and Related Transactions, and Director Independence 133 Item 14. Principal Accounting Fees and Services 133 i Statements contained in this Annual Report on Form 10-K and in other d ...

Byline Bancorp, Inc. (NYSE:BY) Q4 2022 Earnings Conference Call January 27, 2023 10:00 AM ET Company Participants Brooks Rennie - Director, Investor Relations Alberto Paracchini - President Tom Bell - Chief Financial Officer and Treasurer Mark Fucinato - Executive Vice President, Chief Credit Officer Conference Call Participants Ben Gerlinger - Hovde Group Terry McEvoy - Stephens Nathan Race - Piper Sandler Brian Martin - Janney Operator Good morning and welcome to the Byline Bancorp's Fourth Quarter 2022 E ...

January 26, 2023 | --- | --- | --- | |----------------|------------------------|------------------------| | Revenue | EPS | Efficiency ratio | | $322.6 million | $2.34 | 54.99% | | 4% Y/Y | 3% Y/Y | Improved 228 bps Y/Y | | Total Assets | Total Loans and Leases | Total Deposits | | $7.4 billion | $5.4 billion | $5.7 billion | | 10% Y/Y | 19% Y/Y | 10% Y/Y | In June 2016, the Financial Accounting Standards Board ("FASB") issued ASU 2016-13 Financial Instruments - Credit Losses (Topic 326) on the recognition ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______to ______ Commission File Number 001-38139 Byline Bancorp, Inc. (Exact Name of Registrant as Specified in Its Charter) Delaware 36-3012593 (State or Other Juri ...

Byline Bancorp, Inc. (NYSE:BY) Q3 2022 Earnings Conference Call October 28, 2022 10:00 AM ET Company Participants Brooks Rennie - Head, IR Alberto Paracchini - President Roberto Herencia - Chairman and CEO Tom Bell - CFO and Treasurer Mark Fucinato - Chief Credit Officer Conference Call Participants Terry McEvoy - Stephens Nathan Race - Piper Sandler David Long - Raymond James Brian Martin - Janney Operator Good morning and welcome to the Byline Bancorp's Third Quarter 2022 Earnings Call. My name is Amber a ...

Financial Performance - Byline Bancorp reported consolidated net income of $20.3 million for the three months ended June 30, 2022, a decrease of $8.2 million compared to $28.5 million for the same period in 2021[219]. - Consolidated net income for the three months ended June 30, 2022, was $20.3 million, a decrease of $8.2 million from $28.5 million for the same period in 2021[252]. - Net income available to common stockholders for the three months ended June 30, 2022, was $20.3 million, or $0.55 per basic share[223]. - Basic earnings per common share for the three months ended June 30, 2022, was $0.55, down from $0.75 in the same period of 2021[254]. - Consolidated net income for the six months ended June 30, 2022, was $42.6 million, a decrease of $7.7 million from $50.3 million for the same period in 2021[256]. - Net income available to common stockholders for the six months ended June 30, 2022, was $42.4 million, or $1.14 per basic share, down from $1.31 in the same period in 2021[258]. - Adjusted diluted earnings per share for the three months ended June 30, 2022, was $0.54, compared to $0.73 for the same period in 2021[381]. - Net income available to common stockholders for the three months ended June 2022 was $20,283, down from $28,297 in the same period last year, indicating a decrease of 28.3%[383]. Asset and Liability Overview - Total assets as of June 30, 2022, were $7.1 billion, with total gross loans and leases outstanding at $5.2 billion and total deposits at $5.4 billion[225]. - Total stockholders' equity as of June 30, 2022, was $765.2 million[225]. - Total liabilities increased by $506.8 million, or 8.6%, to $6.4 billion at June 30, 2022 compared to $5.9 billion at December 31, 2021[307]. - Total stockholders' equity decreased to $780,652 thousand from $810,490 thousand[266]. - Total estimated uninsured deposits were $1.6 billion as of June 30, 2022[348]. Loan and Lease Performance - Total loans and leases increased to $5.2 billion as of June 30, 2022, up $630.9 million or 13.9% from $4.5 billion at December 31, 2021[320]. - Originated loans and leases reached $4.8 billion, reflecting an increase of $724.6 million or 17.7% compared to $4.1 billion at December 31, 2021[320]. - The allowance for loan and lease losses was $62.4 million as of June 30, 2022, compared to $55.0 million at December 31, 2021[321]. - The loan and lease portfolio includes $2.0 billion with interest rate floors, with $108.7 million at the floor or with no floor[331]. - The loan and lease to deposit ratio was 96.2% at June 30, 2022, compared to 89.3% at December 31, 2021, indicating a tighter funding environment[346]. Income and Expense Analysis - Net interest income increased by $3.5 million for the three months ended June 30, 2022, driven by growth in the loan and lease portfolio[219]. - Non-interest income decreased to $14.2 million for the three months ended June 30, 2022, a decline of $6.8 million, or 32.6%, compared to the same period in 2021[281]. - Non-interest expense was $43.8 million for Q2 2022, an increase of 1.8% from $43.0 million in Q2 2021[290]. - Salaries and employee benefits totaled $27.7 million for Q2 2022, up 12.6% from $24.6 million in Q2 2021[290]. - The efficiency ratio for the six months ended June 30, 2022, was 55.12%, up from 51.61% for the same period in 2021[259]. Provision for Loan and Lease Losses - The provision for loan and lease losses increased by $7.9 million for the three months ended June 30, 2022, primarily due to loan and lease growth[219]. - Provision for loan and lease losses was $5.9 million for the three months ended June 30, 2022, compared to a recapture of $2.0 million for the same period in 2021, an increase of $7.9 million[279]. - The allowance for loan and lease losses as a percentage of loans and leases was 1.21% at June 30, 2022[280]. - The total provision for originated loans was $15,031 million, a decrease from $10,903 million[338]. Market and Economic Conditions - The company evaluates the recoverability of deferred tax assets based on expected taxable income and establishes a valuation allowance if realization is deemed unlikely[245]. - The company monitors the appropriate level of ALLL on a quarterly basis, with more frequent assessments as needed[332]. - The bank's interest rate risk exposure is managed within board-approved policy limits, with results being hypothetical and subject to various influencing factors[391]. Capital and Dividends - Stockholders' equity at June 30, 2022 was $765.2 million, a decrease of $71.2 million or 8.5% from December 31, 2021[358]. - The Company received $12.0 million in cash dividends from Byline Bank for the six months ended June 30, 2022, and $24.0 million for the year ended December 31, 2021[364]. - A cash dividend of $0.09 per share was declared on July 26, 2022, payable on August 23, 2022[368]. Interest Rate Management - The company had a notional amount of $1.1 billion in interest rate swaps outstanding as of June 30, 2022, to manage interest rate risk[387]. - The simulation model indicates that a 300 basis point increase in interest rates could lead to a 22.8% increase in net interest income, amounting to $313,099[389]. - A gradual upward shift of 100 basis points would increase net interest income by 1.3%, while a 200 basis point increase would result in a 2.8% increase[390].