Byline Bancorp, Inc. · NYSE:BY
Byline Bancorp — Investor Presentation (May 2019)
22 slides from Byline Bancorp's investor presentation, May 6, 2019
Slide 1: Investor Presentation – May 2019
Investor Presentation – May 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 $5,010 Total Loans & Leases $3,568 Total Deposits $3,809 Total Equity $669 Tangible Common Equity(3) $498 Loans & Leases / Deposits Ratio 94% Commercial Loans / Total Loans(4) 60% Non-interest Bearing Deposits / Total Deposits 31% Adjusted Return on Average Assets(3) 1.14% 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 $3.8 billion in total deposits 58 branch locations Serves small bus
Slide 6: 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 7: 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 8: First Quarter 2019 Results
First Quarter 2019 Results @ Byline Bancorp, Inc:
Slide 9: First Quarter 2019 Highlights
First Quarter 2019 Highlights Balance Sheet Earnings Revenue Key Operating Trends Solid loan and lease originations of $131.4 million Payoffs of $81.8 million for the quarter down from $110.7 million in 4Q18 Net loan growth of $65.9 million, up 7.6% annualized Total deposits of $3.8 billion, up $58.
Slide 10: Loan and Lease Trends
Loan and Lease Trends Loan & Lease Portfolio March 31, 2018 March 31, 2019 ($ in millions) Originated and Acquired Loan & Lease Portfolio Total loans and leases were $3.6 billion at 1Q19, an increase of $65.9 million or 1.9% from the prior quarter and 56.4% from 1Q18 Originated portfolio increased b
Slide 11: Deposit Trends
Total deposits increased $58.6 million to $3.8 billion Seasonal fluctuations impacting transactional account balances Time deposit growth driven by promotional campaigns Total deposit costs increased to 87 bps from 75 bps in the prior quarter Cost of interest bearing deposits increased by 18 bps Dep
Slide 12: Net Interest Income and Net Interest Margin Trends
Net Interest Income and Net Interest Margin Trends Net interest income decreased $3.2 million to $50.1 million, primarily due to fewer accrual days and a decline in accretion income Net interest margin decreased 26 basis points to 4.43% from 4Q18, partially due to 10 bps decline in accretion income
Slide 13: Non-Interest Income Trends
Total Non-Interest Income Non-Interest Income Trends Non-interest income decreased $2.3 million from 4Q18 Lower net gains on sales of loans, due to a decrease in government guaranteed loan sales $1.3 million revaluation charge to servicing asset due to prepayment activity ($ in millions) Total SBC C
Slide 14: Non-Interest Expense Trends
Non-Interest Expense Trends Non-interest expenses were stable for the quarter Non-interest expense, excluding significant adjustment items(1), was $38.7 million Seasonal impact of higher payroll taxes increased salary and employee benefit expenses during the quarter Higher salary and employee benefi
Slide 15: Asset Quality Trends
Asset Quality Trends Non performing assets increased 3 bps to 0.70% in 1Q19 NPLs/ Total Loans & Leases increased to 0.85% in 1Q19 from 0.79% in 4Q18, partially due to increase in government guaranteed portions of NPLs NPLs/ Total Loans & Leases (excluding government guaranteed) increased to 0.71% in
Slide 16: Appendix
Appendix @ Byline Bancorp, Inc:
Slide 17: Five Quarter Financial Summary
Five Quarter Financial Summary ($ in millions, except per share data) Represents a non-GAAP financial measure. See “Non-GAAP Reconciliation” in the appendix. For the Three Months Ended, March 31, 2019 December 31, 2018 September 30, 2018 June 30, 2018 March 31, 2018 Income Statement Net interest inc
Slide 18: Non-GAAP Reconciliation
@ Byline Bancorp, Inc: Non-GAAP Reconciliation As of or Forthe March 3, December31, September30, ‘June 30, March 34, (doitarsin thousands, per share data) 2019 2018 2008 2018 Net income and earnings per share excludingsignifcantitems ted Netincome ps7 $s van $ use S$ 2768S 6,788 Sigifcant items: Inc
Slide 19: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued)
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)