Byline Bancorp, Inc. · NYSE:BY
Byline Bancorp — Investor Presentation (July 2019)
23 slides from Byline Bancorp's investor presentation, Jul 30, 2019
Slide 1: Investor Presentation – July 2019
Investor Presentation – July 2019 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: Franchise Highlights
Transparent & Executable Growth Strategy The Bank Chicago Deserves Seasoned Management Team & Board of Directors Diversified Commercial Lending Platform Disciplined Credit Risk Management Framework Deposits, Deposits, Deposits Franchise Highlights 1 2 3 4 5 6
Slide 4: A Leading Chicago Commercial Franchise
Total Assets $5,391 Total Loans & Leases $3,863 Total Deposits $4,060 Total Equity $718 Tangible Common Equity(2) $526 Loans & Leases / Deposits Ratio 96% Commercial Loans / Total Loans(3) 61% Non-interest Bearing Deposits / Total Deposits 31% Adjusted Return on Average Assets(2) 1.21% Net Interest
Slide 5: The Byline Franchise
The Byline Franchise Commercial Banking Wealth Management Size Customer and Market Focus $4.1 billion in total deposits 61 branch locations Serves small businesses and consumers within branch footprint Offers traditional retail deposit products through branch network and online and mobile banking pl
Slide 6: Niche Lending Businesses
Niche Lending Businesses Small Ticket Equipment Leasing Sponsor Finance Size Customer and Market Focus $618.8 million loan portfolio Services throughout the Midwest, Tennessee and California Fifth most active lender in the U.S., #1 in Illinois and Wisconsin(1) Selected as the Illinois SBA 7(a) Lende
Slide 7: Progress Report on Growth Strategies
Drive Organic Loan Growth Deliver Improved Profitability Strengthen Franchise through Acquisitions Continue to bring in top tier talent with teams attracted to culture and local decision making Capitalize on market opportunities due to recent consolidation and the CRE concentration limitations of ot
Slide 8: Strengthening the Byline Franchise through Accretive Transactions
Strengthening the Byline Franchise through Accretive Transactions Key Highlights Closed May 31, 2018 Expanded Byline’s franchise to Evanston market with #2 deposit market share in the city Provided low-cost core deposit base with 36% DDA Added strong commercial banking team Further diversified reven
Slide 9: Second Quarter 2019 Results
Second Quarter 2019 Results @ Byline Bancorp, Inc:
Slide 10: Second Quarter 2019 Highlights
Second Quarter 2019 Highlights Balance Sheet Earnings Revenue Key Operating Trends Solid loan and lease originations of $181.5 million Payoffs of $136.2 million for the quarter up from $81.8 million in 1Q19 Total loans of $3.9 billion, up 8.3% and 15.4% for quarter and year-over-year respectively To
Slide 11: Loan and Lease Trends
Loan and Lease Trends Loan & Lease Originations and Payoffs June 30, 2018 June 30, 2019 ($ in millions) Originated and Acquired Loan & Lease Portfolio Total loans and leases were $3.9 billion at 2Q19, an increase of $295.6 million or 8.3% from the prior quarter and 15.4% from 2Q18 Originated portfol
Slide 12: Deposit Trends
Total deposits increased $251.7 million to $4.1 billion Growth in DDAs primarily attributable to acquisition Rate of increase in deposit costs moderated from prior quarter Total deposit costs increased 5 bps compared to 12 bps in prior quarter Cost of interest bearing deposits increased 7 bps compar
Slide 13: Net Interest Income and Net Interest Margin Trends
Net Interest Income and Net Interest Margin Trends Net interest income increased $4.4 million to $54.4 million, primarily due to partial quarter impact of acquisition and organic loan growth Net interest margin expanded 8 basis points to 4.51% from 1Q19 despite smaller impact from accretion income N
Slide 14: Non-Interest Income Trends
Total Non-Interest Income Non-Interest Income Trends Non-interest income increased $2.2 million from 1Q19 Higher net gains on sales of loans, due to an increase in government guaranteed loan sales $973 thousand in gain on sales of securities $1.2 million revaluation charge to servicing asset due to
Slide 15: Non-Interest Expense Trends
Non-Interest Expense Trends Non-interest expenses reflect partial quarter impact of acquisition Non-interest expense, excluding significant adjustment items(1), was $40.4 million $3.5 million in expenses related to merger costs and core system conversion Lower payroll taxes offset by higher salaries
Slide 16: Asset Quality Trends
Asset Quality Trends NCOs remained consistent at 0.25% in 2Q19 ALLL/Loans and Leases increased to 0.81% in 2Q19 compared to 0.76% in 1Q19 Non performing assets increased 13 bps to 0.83% in 2Q19 NPLs/ Total Loans & Leases increased to 0.95% in 2Q19 from 0.85% in 1Q19 NPLs/ Total Loans & Leases (exclu
Slide 17: Appendix
Appendix @ Byline Bancorp, Inc:
Slide 18: Five Quarter Financial Summary
Five Quarter Financial Summary ($ in millions, except per share data) Represents a non-GAAP financial measure. See “Non-GAAP Reconciliation” in the appendix. For the Three Months Ended, June 30, 2019 March 31, 2019 December 31, 2018 September 30, 2018 June 30, 2018 Income Statement Net interest inco
Slide 19: Non-GAAP Reconciliation
Byline Bancorp, Inc: Non-GAAP Reconciliation (dottrsin thousands, per share data) Netincome (Iss) and earnings per share excluding significant ‘eported Netincome (Loss) Signficantitems: Incremental income tax (benefit) pense attributed tofederal Texbenefitonsignifcantitems Ad income Reported Diluted
Slide 20: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued)
Slide 21: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued)
Slide 22: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued)
Slide 23: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued)