Byline Bancorp, Inc. · NYSE:BY
Byline Bancorp — Investor Presentation (July 2018)
22 slides from Byline Bancorp's investor presentation, Jul 31, 2018
Slide 1: Investor Presentation – July 2018
Investor Presentation – July 2018 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 $4,805 Total Loans & Leases $3,349 Total Deposits $3,645 Total Equity $616 Tangible Common Equity(2) $441 Loans & Leases / Deposits Ratio 92% Commercial Loans / Total Loans(3) 58% Non-interest Bearing Deposits / Total Deposits 33% Adjusted Return on Average Assets(3) 1.10% Net Interest
Slide 5: The Byline Franchise
The Byline Franchise Retail Banking Commercial Banking Small Business Capital Small Ticket Equipment Leasing Diversified product set with abilities to scale business lines both in-market and nationwide Size Customer and Market Focus $3.6 billion in total deposits 59 branch locations Serves small bus
Slide 6: Growth Strategy: Organic Growth, Profitability, Acquisitions
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 7: Second Quarter 2018 Results
Second Quarter 2018 Results @ Byline Bancorp, Inc:
Slide 8: Second Quarter 2018 Highlights
Second Quarter 2018 Highlights Loan Production First Evanston Acquisition Revenue Deposits $195.2 million of loan and lease originations Byline stand-alone loan portfolio increased 22.2% annualized Strong contributions across all commercial lending areas and highest quarter of production from SBC To
Slide 9: Financial Highlights
Financial Highlights Source: Company filings; SNL Financial. Figures as of Q2 2018 unless otherwise noted. Note: Due to rounding, amounts may not calculate precisely. Dollars in thousands except for per share data. Considered a non-GAAP financial measure. See “Non-GAAP Reconciliation” in the Appendi
Slide 10: Loan and Lease Trends
Loan and Lease Trends Loan & Lease Portfolio June 30, 2017 June 30, 2018 ($ in millions) Originated and Acquired Loan & Lease Portfolio Total loans and leases were $3.3 billion at 2Q18, an increase of $1.1 billion from end of prior quarter Originated portfolio increased by $186.0 million Acquired po
Slide 11: Deposit Trends
Total deposits increased $1.1 billion to $3.6 billion #1 market share in Evanston Deposits excluding the acquisition increased $90.1 million Overall total deposit costs increased by 11 bps to 52 bps Cost of interesting bearing deposits excluding the acquisition was 73 bps for 2Q18 Deposit Trends Ave
Slide 12: Net Interest Income and Net Interest Margin Trends
Net Interest Income and Net Interest Margin Trends Net interest income increased $5.4 million to $39.1 million, primarily due to one month contribution of First Evanston Net interest margin narrowed by 2 basis points to 4.43% from 1Q18 due to higher deposit costs Excluding the impact of the acquisit
Slide 13: Non-Interest Income Trends
Total Non-Interest Income Non-Interest Income Trends Non interest income increased by $3.1 million from 1Q18 Excluding the acquisition, non-interest income increased 23.2%, primarily due to higher gains on sales of loans driven by higher volume of loans sold ($ in millions) Total SBC Closed Loan Com
Slide 14: Non-Interest Expense Trends
Non-Interest Expense Trends 2Q18 non-interest expense reflects the impact of one month of First Evanston’s operations 2Q18 non-interest expense includes $10.6 million of expenses related to the acquisition and integration of First Evanston Non-interest expense, excluding expenses related to the acqu
Slide 15: Asset Quality Trends
Asset Quality Trends Non performing assets declined to 0.70% in 2Q18 from 1.01% in 1Q18 NPLs/ Total Loans & Leases declined to 0.81% in 2Q18 from 1.08% in 1Q18 NPLs/ Total Loans & Leases excluding government guaranteed portions declined to 0.60% from 0.81% in 1Q18 Other real estate owned declined by
Slide 16: Acquisition of First Evanston Bancorp, Inc.
Acquisition of First Evanston Bancorp, Inc. Building on our leading branch & deposit footprint in Chicago
Slide 17: Overview of the Transaction
Low-Risk Transaction: Strategically Compelling: Financially Attractive: Builds Upon Our Strengths: Overview of the Transaction 1 2 3 4 The bank Chicago deserves: Creates the largest community bank in Chicago <$10bn Low cost deposit base and C&I focus is complementary to our business model Adds to re
Slide 18: Overview of First Evanston
Source: SNL Financial; Financial data presented at and for the three months ended 3/31/18 Ranked by deposits in Chicago MSA; only includes IL headquartered community banks (defined as banks with less than $10bn in assets); Deposit data as of 6/30/2017, pro forma for pending and recently completed tr
Slide 19: Appendix
Appendix @ Byline Bancorp, Inc:
Slide 20: Non-GAAP Reconciliation
@ Byline Bancorp, Inc: Non-GAAP Reconciliation As of orFor the Tune 30 Wanna, December 21, September30, Tune 30, (tottarsin mousanas. xcept stare andper snare eatajratios ‘nualled where applleable) bid? badd ae bade et Interest marge Reported atinterestmarg a aes 402% accretion income on acqutredlca
Slide 21: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued)
Slide 22: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued)