For the year ending 2025-12-31.
| Income Statement | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Interest and fees on loans and leases | 511,224,000 | - | ||
| Interest on taxable securities | 48,366,000 | - | ||
| Interest on tax-exempt securities | 3,388,000 | - | ||
| Other interest and dividend income | 9,242,000 | - | ||
| Total interest and dividend income | 572,220,000 | - | ||
| Deposits | 167,718,000 | - | ||
| Other borrowings | 6,372,000 | - | ||
| Subordinated notes and debentures | 12,782,000 | - | ||
| Total interest expense | 186,872,000 | - | ||
| Net interest income | 385,348,000 | - | ||
| Provision for credit losses | 36,102,000 | - | ||
| Net interest income after provision for credit losses | 349,246,000 | - | ||
| Fees and service charges on deposits | 10,876,000 | - | ||
| Loan servicing revenue | 12,261,000 | - | ||
| Loan servicing asset revaluation | -5,602,000 | - | ||
| Atm and interchange fees | 4,083,000 | - | ||
| Net losses on sales of securities available-for-sale | -21,000 | - | ||
| Change in fair value of equity securities, net | 795,000 | - | ||
| Net gains on sales of loans | 22,719,000 | - | ||
| Wealth management and trust income | 4,846,000 | - | ||
| Other non-interest income | 10,968,000 | - | ||
| Total non-interest income | 60,925,000 | - | ||
| Salaries and employee benefits | 150,376,000 | - | ||
| Occupancy expense, net | 14,512,000 | - | ||
| Equipment expense | 3,752,000 | - | ||
| Impairment loss on assets held for sale | 195,000 | - | ||
| Loan and lease related expenses | 3,623,000 | - | ||
| Legal, audit, and other professional fees | 16,058,000 | - | ||
| Data processing | 19,445,000 | - | ||
| Net loss recognized on other real estate owned and other related expenses | -1,143,000 | - | ||
| Regulatory assessments | 4,250,000 | - | ||
| Other intangible assets amortization expense | 5,605,000 | - | ||
| Advertising and promotions | 5,644,000 | - | ||
| Telecommunications | 884,000 | - | ||
| Other non-interest expense | 11,431,000 | - | ||
| Total non-interest expense | 236,918,000 | - | ||
| Income before provision for income taxes | 173,253,000 | - | ||
| Total expenses | - | 0 | ||
| Income before provision for income taxes and equity in undistributed income of subsidiary | - | 0 | ||
| Provision for income taxes | 43,202,000 | - | ||
| Income before equity in undistributed income of subsidiary | - | 0 | ||
| Net income | 130,051,000 | - | ||
| Basic EPS | 2.9 | 2.78 | ||
| Diluted EPS | 2.89 | 2.75 | ||
| Basic Average Shares | 27,119 | 43,448,856 | ||
| Diluted Average Shares | 45,063,611 | 43,853,939 | ||
BYLINE BANCORP, INC. (BY)
BYLINE BANCORP, INC. (BY)