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Income Overview
Net Income
$40,181K
EPS
$0.9
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans and leases
127,524
125,950
134,582*
132,401
Interest on securities
14,426
13,589
7,572*
13,289
Interest on tax-exempt securities
-
-
847*
-
Other interest and dividend income
2,356
2,117
1,235*
2,917
Total interest and dividend income
144,306
141,656
144,236
148,607
Deposits
37,338
36,284
44,561*
42,857
Other borrowings
3,273
2,658
2,025*
1,502
Subordinated notes and debentures
2,859
2,851
2,045*
4,377
Total interest expense
43,470
41,793
48,631
48,736
Net interest income
100,836
99,863
95,605*
99,871
Provision for credit losses
7,162
5,537
10,271*
5,298
Net interest income after provision for credit losses
93,674
94,326
85,334*
94,573
Fees and service charges on deposits
2,853
2,919
2,815*
2,741
Loan servicing revenue
3,047
3,041
3,062*
3,062
Loan servicing asset revaluation
-1,126
-1,862
-436*
-1,294
Atm and interchange fees
1,377
931
972*
1,015
Net realized losss (gaines) on securities available-for-sale
21
0
35*
0
Change in fair value of equity securities, net
814
-1,099
1,118*
-298
Net gains on sales of loans
6,095
5,468
16,178*
6,981
Wealth management and trust income
1,270
1,262
1,186*
1,366
Other non-interest income
2,525
1,878
-9,523
2,291
Total non-interest income
16,876
12,538
15,405*
15,864
Salaries and employee benefits
35,656
36,245
38,813
37,492
Occupancy expense, net
-
-
3,628*
-
Equipment expense
-
-
938*
-
Occupancy and equipment expense, net
4,065
4,445
-
4,531
Impairment charge on assets held for sale
496
-
49*
-
Loan and lease related expenses
752
929
305*
1,274
Legal, audit and other professional fees
3,231
3,244
2,980*
3,876
Data processing
4,866
4,925
4,385
4,903
Net loss (gain) recognized on other real estate owned and other related expenses
-137
-810
-283*
-617
Regulatory assessments
-
-
1,063*
-
Other intangible assets amortization expense
1,235
1,235
1,116*
1,494
Advertising and promotions
-
-
1,411*
-
Telecommunications
-
-
221*
-
Other non-interest expense
6,041
5,356
1,547*
6,331
Total non-interest expense
56,479
57,189
56,738*
60,518
Income before provision for income taxes
54,071
49,675
44,000
49,919
Provision for income taxes
13,890
12,096
9,479
12,719
Net income
40,181
37,579
34,521
37,200
Basic EPS
0.9
0.84
-0.257
0.82
Diluted EPS
0.9
0.83
0.765
0.82
Basic Average Shares
44,596,967
17,669
-134,088,945
45,102,828
Diluted Average Shares
44,789,192
45,045,804
45,107,193
45,372,602
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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Income Statement
Interest and fees on loans
and leases
$127,524K
(-0.53%↓ Y/Y)
Interest on securities
$14,426K
(3.73%↑ Y/Y)
Other interest and
dividend income
$2,356K
(-2.68%↓ Y/Y)
Total interest and
dividend income
$144,306K
(-0.15%↓ Y/Y)
Net interest income
$100,836K
(5.07%↑ Y/Y)
Net gains on sales of
loans
$6,095K
(12.58%↑ Y/Y)
Loan servicing
revenue
$3,047K
(-0.78%↓ Y/Y)
Fees and service
charges on deposits
$2,853K
(8.36%↑ Y/Y)
Other non-interest
income
$2,525K
(-24.31%↓ Y/Y)
Atm and interchange
fees
$1,377K
(30.03%↑ Y/Y)
Wealth management and
trust income
$1,270K
(18.25%↑ Y/Y)
Total interest
expense
$43,470K
(-10.48%↓ Y/Y)
Change in fair value of
equity securities, net
$814K
(880.72%↑ Y/Y)
Net realized losss
(gaines) on securities...
$21K
(156.76%↑ Y/Y)
Net interest income
after provision for...
$93,674K
(11.45%↑ Y/Y)
Total non-interest
income
$16,876K
(16.52%↑ Y/Y)
Provision for credit
losses
$7,162K
(-39.93%↓ Y/Y)
Loan servicing asset
revaluation
-$1,126K
(47.63%↑ Y/Y)
Deposits
$37,338K
(-15.87%↓ Y/Y)
Other borrowings
$3,273K
(134.46%↑ Y/Y)
Subordinated notes and
debentures
$2,859K
(2.80%↑ Y/Y)
Income before
provision for income taxes
$54,071K
(38.90%↑ Y/Y)
Total non-interest
expense
$56,479K
(-5.24%↓ Y/Y)
Net income
$40,181K
(33.57%↑ Y/Y)
Provision for income taxes
$13,890K
(57.02%↑ Y/Y)
Salaries and employee
benefits
$35,656K
(-5.72%↓ Y/Y)
Other non-interest
expense
$6,041K
(25.28%↑ Y/Y)
Data processing
$4,866K
(-2.41%↓ Y/Y)
Occupancy and equipment
expense, net
$4,065K
(-14.22%↓ Y/Y)
Legal, audit and other
professional fees
$3,231K
(-33.29%↓ Y/Y)
Other intangible
assets amortization...
$1,235K
(-17.61%↓ Y/Y)
Loan and lease
related expenses
$752K
(-19.83%↓ Y/Y)
Impairment charge on assets
held for sale
$496K
Net loss (gain)
recognized on other real...
-$137K
(-411.36%↓ Y/Y)
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BYLINE BANCORP, INC. (BY)
BYLINE BANCORP, INC. (BY)