Byline Bancorp, Inc. · NYSE:BY
Byline Bancorp — Q3 2017 Earnings Presentation
12 slides from Byline Bancorp's earnings presentation, Oct 27, 2017
Slide 1: Q3 2017 Financial Results
Q3 2017 Financial Results Exhibit 99.1
Slide 2: Forward Looking Statements
Forward Looking Statements This communication contains forward-looking statements within the meaning of the U.S. federal securities laws. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the antici
Slide 3: Third Quarter 2017 Highlights
Third Quarter 2017 Highlights Earnings Revenue Loan Production Balance Sheet Efficiency Net income of $9.8 million versus $6.1 million in 2Q17 and $1.6 million in 3Q16 EPS of $0.32 up $0.24 on a year over year basis over 3Q16 Return on average assets of 1.17% and pre-tax pre-provision ROA of 1.47% f
Slide 4: Third Quarter Financial Summary
Third Quarter Financial Summary ($ in millions, except per share data) Note: Q3 2016 does not include the acquisition of Ridgestone Financial Services, Inc. Due to rounding, income statement may not calculate precisely. Represents a non-GAAP financial measure. See “Non-GAAP Reconciliation” in the ap
Slide 5: Diversified Loan and Lease Portfolio
Diversified Loan and Lease Portfolio Loan & Lease Portfolio September 30, 2016 September 30, 2017 ($ in millions) Note: Q3 2016 does not include the acquisition of Ridgestone Financial Services, Inc. Due to rounding, amounts may not calculate precisely. Originated and Acquired Loan & Lease Portfolio
Slide 6: Total deposits remained stable for 3Q17 at $2.5 billion
Total deposits remained stable for 3Q17 and at $2.5 billion Non-interest bearing remained strong at 29.9% Overall total deposit costs increased by 3 bps compared to 2Q17 Improvement in deposit mix as core deposits increase to 86.2% driven by growth in Money Market accounts offsetting the decline in
Slide 7: Expanding Net Interest Margin
Expanding Net Interest Margin Net interest margin improved 16 basis points linked quarter to 4.18% Net interest margin, excluding accretion income, increased 20 bps to 3.89% during the quarter Loan and lease yields increased to 5.60% for the third quarter versus 5.44% for the second quarter Total co
Slide 8: Total Non-Interest Income Stable
Total Non-Interest Income Stable Non-Interest Income Platform Noninterest income of $11.9 million for the third quarter Noninterest income decreased by 9.7% from prior quarter primarily due to lower gain on sale income and lower servicing fees ($ in millions) Total SBC Production Net Gains on Sales
Slide 9: Disciplined Expense Management
Disciplined Expense Management Efficiency ratio improvements reflect strong growth in revenue combined with continued expense discipline 3Q17 efficiency ratio impacted by non-recurring expenses, including a $951K impairment charge on the disposition of bank owned property, and lower non-interest inc
Slide 10: Credit & Asset Quality
Credit & Asset Quality Asset quality remained stable for the quarter NPLs remained flat at 0.76% for 3Q17 NPAs increased by $1.7 million due to lower OREO disposition activity during the quarter Provision expense was $3.9 million due to increased growth in the portfolio; net charge offs were $1.9 mi
Slide 11: Appendix
Appendix @ Byline Bancorp, Inc:
Slide 12: Non-GAAP Reconciliation
Non-GAAP Reconciliation ($ in 000s) Note: Q3 2016 does not include the acquisition of Ridgestone Financial Services, Inc.