The latest financial statement is for the quarter ending 2025-09-30.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 37,200 | 58,330 |
| Provision for credit losses | 5,298 | 21,102 |
| Impairment loss on premises and equipment | 0 | 0 |
| Impairment loss on operating lease right-of-use asset | 0 | 0 |
| Depreciation and amortization of premises and equipment | 1,140 | 2,270 |
| Net accretion of securities | 1,552 | 2,564 |
| Net change in fair value of equity securities | -298 | 894 |
| Net losses on sales of securities available-for-sale | 0 | -37 |
| Net gains on sales of and disposal of premises and equipment | 0 | 843 |
| Net gains on sales of loans | 6,981 | 10,352 |
| Net gains on sales of leases | 0 | 119 |
| Originations of u.s. government guaranteed loans | 88,760 | 168,234 |
| Proceeds from u.s. government guaranteed loans sold | 89,597 | 124,600 |
| Accretion of premiums and discounts on acquired loans, net | 2,528 | 5,573 |
| Net change in servicing assets | 222 | -155 |
| Net losses (gains) on sales and valuation adjustments of other real estate owned | 519 | -28 |
| Net amortization of other acquisition accounting adjustments | 1,527 | 2,679 |
| Amortization of subordinated debt issuance cost | 46 | 87 |
| Loss on extinguishment of subordinated debt | -843 | - |
| Accretion of junior subordinated debentures discount | 136 | 246 |
| Share-based compensation expense | 2,312 | 4,377 |
| Deferred tax provision | 3,458 | -1,489 |
| Increase in cash surrender value of bank owned life insurance | 862 | 1,768 |
| Gain on death benefit on bank owned life insurance | 0 | 587 |
| Accrued interest receivable and other assets | 9,350 | -8,273 |
| Accrued interest payable and other liabilities | 6,227 | 13,621 |
| Net cash provided by operating activities | 38,346 | 43,326 |
| Purchases of securities available-for-sale | 0 | 151,270 |
| Proceeds from maturities and calls of securities available-for-sale | 39,325 | 26,558 |
| Proceeds from paydowns of securities available-for-sale | 43,483 | 80,824 |
| Proceeds from sales of securities available-for-sale | 0 | 14,221 |
| Proceeds from maturities and calls of securities held-to-maturity | 0 | 605 |
| Redemptions (purchases) of federal home loan bank stock, net | -2,715 | -8,803 |
| Proceeds from leases sold | 0 | 12,184 |
| Net change in loans and leases | 117,360 | 289,717 |
| Purchases of premises and equipment | 381 | 3,100 |
| Proceeds from sales of premises and equipment | 0 | 0 |
| Proceeds from sales of assets held for sale | 0 | 2,146 |
| Proceeds from sales of other real estate owned | 288 | 1,016 |
| Proceeds from bank owned life insurance death benefit | 0 | 1,736 |
| Net cash received in acquisition of business | 0 | 61,834 |
| Net cash used in investing activities | -31,930 | -234,160 |
| Net increase in deposits | 17,685 | 72,597 |
| Repayments of line of credit | 0 | 0 |
| Repayments of term loan | 0 | 11,667 |
| Proceeds from short-term borrowings | 1,590,000 | 4,300,000 |
| Repayments of short-term borrowings | 1,650,000 | 4,495,000 |
| Proceeds from btfp advances | 0 | 0 |
| Repayments of btfp advances | 0 | - |
| Proceeds from subordinated debt, net | 73,955 | - |
| Net increase (decrease) in securities sold under agreements to repurchase | 7,176 | 2,004 |
| Dividends paid on common stock | 4,510 | 9,148 |
| Proceeds from issuance of common stock | 137 | 1,043 |
| Repurchases of common stock | 193 | 13,783 |
| Net cash provided by financing activities | 34,250 | -153,954 |
| Net change in cash and cash equivalents | 40,666 | -344,788 |
| Cash and cash equivalents at beginning of period | 563,138 | - |
| Cash and cash equivalents at end of period | 259,016 | - |
BYLINE BANCORP, INC. (BY)
BYLINE BANCORP, INC. (BY)