Byline Bancorp, Inc. · NYSE:BY
Byline Bancorp — Hovde Group 2017 Investor Conference
21 slides from Byline Bancorp's conference presentation, Nov 6, 2017
Slide 1: Hovde Group 2017 Investor Conference
Hovde Group 2017 Investor Conference 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 Byline is Chicago’s Bank 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 $3,305 Total Loans & Leases $2,216 Total Deposits $2,521 Total Equity $460 Tangible Common Equity $379 Loans & Leases / Deposits Ratio 88% TCE / TA 11.73% Common Equity Tier 1 Ratio 13.93% Return on Average Assets 1.17% Net Interest Margin 4.18% Efficiency Ratio 69.92% Non-interest Inco
Slide 5: The Evolution of Byline
The Evolution of Byline 2014 – 2015 Investments in brand, core infrastructure and risk & controls Legacy asset resolution Acquisition: Baytree Financial and leasing assets from Wells Fargo 2016 and Beyond Systems, products and brand have been significantly upgraded Dramatic improvement in asset qual
Slide 6: Company values and culture
Obsess about our customers. Every single experience and interaction matters. Go to extraordinary lengths to convert customers into fans. Insist on excellence. And the highest ethical standards in everything we do. Embrace change. Change is constant. Without change, we cannot grow. Think like an owne
Slide 7: Chicago is a Large Market with a Diverse Economy
Chicago is a Large Market with a Diverse Economy Source: Chicago market and industry data per World Business Chicago, Built in Chicago, KPMG, and SNL Financial. Number of Businesses in Chicago per OneSource. Cost of Doing Business Comparison per KPMG Competitive Alternatives 2016. Business costs are
Slide 8: Chicago Provides an Attractive Banking Opportunity
Chicago Provides an Attractive Banking Opportunity Source: SNL Financial. Deposit and market share data as of June 30, 2016 (giving pro forma effect to pending bank acquisitions) and includes deposits at branches that were subsequently closed. Asset data as of June 30, 2017. Note: $10bn+ in IL exclu
Slide 9: A Leading Branch and Deposit Footprint in Chicago
A Leading Branch and Deposit Footprint in Chicago 57 full service locations including the fifth largest branch network in the city of Chicago Largest network for an Illinois-headquartered bank Offer a high touch customer approach while providing access to key decision makers in a local market Consol
Slide 10: The Byline Franchise Today
The Byline Franchise Today 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 $2.5 billion in total deposits 57 branch locations Serves sma
Slide 11: 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 $0.24 on a year over year basis over 3Q16 Return on average assets of 1.17% and pre-tax pre-provision ROA of 1.47% f
Slide 12: Financial Highlights
Financial Highlights Source: Company filings; SNL Financial. Figures as of Q1 2017 unless otherwise noted. Note: Due to rounding, amounts may not calculate precisely. Favorable (Unfavorable) comparison versus prior period. YoY represents 9/30/2017 vs. 9/30/2016. QoQ represents 9/30/2017 vs. 6/30/201
Slide 13: Diversified Loan and Lease Portfolio
Diversified Loan and Lease Portfolio Loan & Lease Portfolio September 30, 2016 September 30, 2017 ($ in millions) Note: Q3 2016 does not include the acquisition of Ridgestone Financial Services, Inc. Due to rounding, amounts may not calculate precisely. Loan composition per financial statement break
Slide 14: Total deposits remained stable for 3Q17
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 15: 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 16: Stable Non-Interest Income Platform
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 17: Ongoing and Disciplined Expense Management
Ongoing and 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-
Slide 18: Stable Credit & Asset Quality
Stable 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 $3.9 million due to increased growth in the portfolio; net charge offs were
Slide 19: Capital and Market Performance
Capital and Market Performance Leverage Ratio Total Capital Ratio ($ in millions) Byline Bancorp, Inc. completed its IPO on July 6, 2017, raising net proceeds of $82.7 million Byline Bancorp, Inc. common stock was listed and began trading on the NYSE on June 30, 207 as “BY” On September 15, 2017 Byl
Slide 20: Appendix
Appendix @ Byline Bancorp, Inc:
Slide 21: Non-GAAP Reconciliation
Non-GAAP Reconciliation ($ in 000s) Note: Q3 2016 does not include the acquisition of Ridgestone Financial Services, Inc.
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