Call reports 2015
BYLINE BANK — 2015
What BYLINE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,488,368,000 | 2,509,429,000 | 2,538,128,000 | 2,479,906,000 |
| Total loans | 1,261,487,000 | 1,231,182,000 | 1,273,575,000 | 1,345,706,000 |
| Allowance for loan losses | 5,079,000 | 5,638,000 | 6,554,000 | 7,633,000 |
| Securities available for sale | 830,081,000 | 860,901,000 | 854,772,000 | 767,732,000 |
| Securities held to maturity | 97,944,000 | 111,004,000 | 116,866,000 | 111,460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,172,153,000 | 2,216,436,000 | 2,273,648,000 | 2,180,720,000 |
| Interest-bearing deposits | 1,549,158,000 | 1,581,363,000 | 1,640,468,000 | 1,554,228,000 |
| Noninterest-bearing deposits | 622,994,000 | 635,073,000 | 633,180,000 | 626,492,000 |
| Equity capital | 236,330,000 | 230,316,000 | 230,387,000 | 212,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 20,751,000 | 42,808,000 | 62,681,000 | 83,417,000 |
| Interest expense | 806,000 | 2,006,000 | 3,124,000 | 4,336,000 |
| Net interest income | 19,945,000 | 40,802,000 | 59,557,000 | 79,081,000 |
| Noninterest income | 5,911,000 | 12,258,000 | 17,224,000 | 16,732,000 |
| Noninterest expense | 25,566,000 | 52,243,000 | 77,546,000 | 103,942,000 |
| Provision for loan losses | 1,455,000 | 3,113,000 | 4,836,000 | 6,994,000 |
| Pretax income | -186,000 | -914,000 | -3,708,000 | -12,059,000 |
| Income tax | 61,000 | 157,000 | 227,000 | 300,000 |
| Net income | -247,000 | -1,071,000 | -3,935,000 | -12,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 194,994,000 | 195,090,000 | 191,988,000 | 184,039,000 |
| Total capital | 200,422,000 | 201,114,000 | 199,015,000 | 192,253,000 |
| Risk-weighted assets | 1,538,035,000 | 1,519,615,000 | 1,546,119,000 | 1,619,209,000 |