Byline Bancorp, Inc. · NYSE:BY
Byline Bancorp — Q2 2018 Earnings Presentation
14 slides from Byline Bancorp's earnings presentation, Jul 27, 2018
Slide 1: Q2 2018 Financial Results
Q2 2018 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: Second Quarter 2018 Highlights
Second Quarter 2018 Highlights Loan Production First Evanston Acquisition Revenue Deposits $195.2 million of loan and lease originations Byline stand-alone loan portfolio increased 22.2% annualized Strong contributions across all commercial lending areas and highest quarter of production from SBC To
Slide 4: Loan and Lease Trends
Loan and Lease Trends Loan & Lease Portfolio June 30, 2017 June 30, 2018 ($ 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 5: 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 6: 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 7: 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 8: 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 $10.6 million of expenses related to the acquisition and integration of First Evanston Non-interest expense, excluding expenses related to the acqu
Slide 9: Asset Quality Trends
Asset Quality Trends Non performing assets declined to 0.70% in 2Q18 from 1.01% in 1Q18 NPLs/ Total Loans & Leases declined to 0.81% in 2Q18 from 1.08% in 1Q18 NPLs/ Total Loans & Leases excluding government guaranteed portions declined to 0.60% from 0.81% in 1Q18 Other real estate owned declined by
Slide 10: Appendix
Appendix @ Byline Bancorp, Inc:
Slide 11: Five Quarter Financial Summary
Five Quarter Financial Summary ($ in millions, except per share data) Represents a non-GAAP financial measure. See “Non-GAAP Reconciliation” in the appendix. (1) (1) (1) (1) (1) (1) (1)
Slide 12: 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 13: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued)
Slide 14: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued)