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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Free Cash flow
$13,160K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from short-term borrowi...
Proceeds from u.s. government gu...
Net increase in deposits
Others
Negative Cash Flow Breakdown
Repayments of short-term borrowi...
Originations of u.s. government ...
Net change in loans and leases
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Consolidated net income
40,181
37,579
34,521
37,200
Provision for credit losses
7,162
5,537
9,702
5,298
Impairment loss on premises and equipment
-
-
0
0
Impairment loss on right-of-use asset
-
-
0
0
Impairment loss on assets held for sale
496
-
195
-
Depreciation and amortization of premises and equipment
1,079
1,129
1,141
1,140
Net accretion of securities
1,243
1,665
1,784
1,552
Net change in fair value of equity securities
-
-1,099
199
-298
Change in fair value of equity securities, net
-285
-
-
-
Net losses on sales of securities available-for-sale
-
-
16
0
Net (gains) losses on sales and calls of securities available-for-sale
21
-
-
-
Net (gains) losses on sales or disposals of premises and assets held for sale
-49
0
-171
0
Net gains on sales of loans
6,095
5,468
5,386
6,981
Net gains on sales of leases
0
-
0
0
Originations of u.s. government guaranteed loans
90,893
68,979
73,079
88,760
Proceeds from u.s. government guaranteed loans sold
95,967
31,685
78,158
89,597
Accretion of premiums and discounts on acquired loans, net
2,476
1,971
2,312
2,528
Net change in servicing assets
349
-292
215
222
Net losses on sales and valuation adjustments of other real estate owned
-
587
-
-
Net (gains) losses on sales and valuation adjustments of other real estate owned
669
-
569
519
Net amortization of other acquisition accounting adjustments
1,248
1,249
1,524
1,527
Amortization of subordinated debt issuance cost
29
28
27
46
Loss on extinguishment of subordinated debt
-
-
0
-843
Accretion of junior subordinated debentures discount
202
203
137
136
Share-based compensation expense
2,415
2,197
2,591
2,312
Deferred tax provision (benefit)
6,674
-740
5,794
3,458
Increase in cash surrender value of bank owned life insurance
934
1,019
886
862
Gain on death benefit on bank owned life insurance
0
-
0
0
Accrued interest receivable and other assets
-7,316
6,811
-4,014
9,350
Accrued interest payable and other liabilities
-45,906
59,620
3,979
6,227
Net cash provided by operating activities
14,169
54,552
58,646
38,346
Proceeds from sales of equity securities
2,599
-
-
-
Proceeds from calls of equity securities
300
-
-
-
Purchases of securities available-for-sale
58,523
313,806
31,349
0
Proceeds from maturities and calls of securities available-for-sale
20,959
4,085
14,538
39,325
Proceeds from paydowns of securities available-for-sale
64,296
49,937
52,683
43,483
Proceeds from sales of securities available-for-sale
9,109
-
85,275
0
Proceeds from maturities and calls of securities held-to-maturity
0
0
0
0
Redemptions of federal home loan bank stock, net
-2,537
-
5,380
-2,715
Proceeds from leases sold
-
-
-
0
Redemptions of federal home loan bank stock, net
-
699
-
-
Proceeds from other loans and leases sold
6,946
-
12,184
-
Net change in loans and leases
76,457
-29,975
73,109
117,360
Purchases of premises and equipment
1,009
458
516
381
Proceeds from sales of premises and equipment
-
-
0
0
Proceeds from sales of assets held for sale
0
-
0
0
Proceeds from sales of other real estate owned
57
60
357
288
Proceeds from bank owned life insurance death benefit
0
-
0
0
Net cash received in acquisition of business
0
-
0
0
Net cash used in investing activities
-29,885
-229,508
42,499
-31,930
Net increase in deposits
68,933
154,359
-180,784
17,685
Proceeds from revolving line of credit
-
-
0
-
Repayments of revolving line of credit
-
-
0
0
Proceeds from term loan
-
-
0
-
Repayments of term loan
0
0
0
0
Proceeds from short-term borrowings
2,482,000
5,690,200
1,520,000
1,590,000
Repayments of short-term borrowings
2,522,000
5,618,200
1,500,000
1,650,000
Proceeds from btfp advances
-
-
0
0
Repayment of btfp advances
-
-
0
0
Proceeds from subordinated debt, net of issuance costs
-
-
-58
73,955
Repayment of subordinated debt
-
-
75,000
-
Proceeds from long-term borrowings
0
12,750
-
-
Net change in securities sold under agreements to repurchase
-4,071
172
38,312
7,176
Dividends paid on common stock
5,695
5,360
4,506
4,510
Proceeds from issuance of common stock
792
120
723
137
Repurchases of common stock
9,052
9,812
9,753
193
Net cash provided by (used in) financing activities
10,907
224,229
-211,066
34,250
Net change in cash and cash equivalents
-4,809
49,273
-109,921
40,666
Cash and cash equivalents, beginning of period
198,368
149,095
259,016
563,138
Cash and cash equivalents, end of period
193,559
198,368
149,095
259,016
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Proceeds from u.s.
government guaranteed...
$95,967K
(-22.98%↓ Y/Y)
Proceeds from short-term
borrowings
$2,482,000K
(-42.28%↓ Y/Y)
Consolidated net income
$40,181K
(-31.11%↓ Y/Y)
Accrued interest
receivable and other assets
-$7,316K
(11.57%↑ Y/Y)
Provision for credit
losses
$7,162K
(-66.06%↓ Y/Y)
Deferred tax provision
(benefit)
$6,674K
(548.22%↑ Y/Y)
Share-based compensation
expense
$2,415K
(-44.83%↓ Y/Y)
Net amortization of
other acquisition...
$1,248K
(-53.42%↓ Y/Y)
Depreciation and
amortization of premises and...
$1,079K
(-52.47%↓ Y/Y)
Net (gains) losses
on sales and...
$669K
(2489.29%↑ Y/Y)
Impairment loss on assets
held for sale
$496K
Change in fair value of
equity securities, net
-$285K
Accretion of junior
subordinated debentures...
$202K
(-17.89%↓ Y/Y)
Net (gains) losses
on sales or...
-$49K
(-105.81%↓ Y/Y)
Amortization of subordinated
debt issuance cost
$29K
(-66.67%↓ Y/Y)
Net increase in
deposits
$68,933K
(-5.05%↓ Y/Y)
Proceeds from issuance of
common stock
$792K
(-24.07%↓ Y/Y)
Net cash provided by
operating activities
$14,169K
(-67.30%↓ Y/Y)
Net cash provided by
(used in) financing...
$10,907K
(107.08%↑ Y/Y)
Canceled cashflow
$149,603K
Canceled cashflow
$2,540,818K
Net change in cash
and cash...
-$4,809K
(98.61%↑ Y/Y)
Canceled cashflow
$25,076K
Proceeds from paydowns of
securities...
$64,296K
(-20.45%↓ Y/Y)
Proceeds from maturities
and calls of...
$20,959K
(-21.08%↓ Y/Y)
Proceeds from sales of
securities...
$9,109K
(-35.95%↓ Y/Y)
Proceeds from other loans
and leases sold
$6,946K
Proceeds from sales of
equity securities
$2,599K
Redemptions of federal home
loan bank stock, net
-$2,537K
(71.18%↑ Y/Y)
Proceeds from calls of
equity securities
$300K
Proceeds from sales of
other real estate...
$57K
(-94.39%↓ Y/Y)
Originations of u.s.
government guaranteed...
$90,893K
(-45.97%↓ Y/Y)
Accrued interest
payable and other...
-$45,906K
(-437.02%↓ Y/Y)
Net gains on sales of
loans
$6,095K
(-41.12%↓ Y/Y)
Accretion of premiums and
discounts on acquired...
$2,476K
(-55.57%↓ Y/Y)
something is missing
-$1,686K
Net accretion of
securities
$1,243K
(-51.52%↓ Y/Y)
Increase in cash
surrender value of bank...
$934K
(-47.17%↓ Y/Y)
Net change in
servicing assets
$349K
(325.16%↑ Y/Y)
Net (gains) losses
on sales and calls...
$21K
Repayments of short-term
borrowings
$2,522,000K
(-43.89%↓ Y/Y)
Repurchases of common stock
$9,052K
(-34.32%↓ Y/Y)
Dividends paid on common
stock
$5,695K
(-37.75%↓ Y/Y)
Net change in
securities sold under...
-$4,071K
(-303.14%↓ Y/Y)
Net cash used in
investing activities
-$29,885K
(87.24%↑ Y/Y)
Canceled cashflow
$106,803K
Net change in loans
and leases
$76,457K
(-73.61%↓ Y/Y)
Purchases of securities
available-for-sale
$58,523K
(-61.31%↓ Y/Y)
Purchases of premises and
equipment
$1,009K
(-67.45%↓ Y/Y)
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BYLINE BANCORP, INC. (BY)
BYLINE BANCORP, INC. (BY)