Call reports 2020
BYLINE BANK — 2020
What BYLINE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 5,729,120,000 | 6,387,882,000 | 6,490,094,000 | 6,383,680,000 |
| Total loans | 3,873,558,000 | 4,394,153,000 | 4,423,566,000 | 4,348,459,000 |
| Allowance for loan losses | 41,840,000 | 51,300,000 | 61,258,000 | 66,347,000 |
| Securities available for sale | 1,299,483,000 | 1,426,871,000 | 1,509,211,000 | 1,447,230,000 |
| Securities held to maturity | 4,408,000 | 4,404,000 | 4,400,000 | 4,395,000 |
| Trading assets | 19,066,000 | 20,084,000 | 19,133,000 | 17,149,000 |
| Total deposits | 4,253,095,000 | 5,021,792,000 | 4,897,790,000 | 4,834,829,000 |
| Interest-bearing deposits | 2,947,940,000 | 3,189,670,000 | 3,091,563,000 | 2,989,354,000 |
| Noninterest-bearing deposits | 1,305,155,000 | 1,832,121,000 | 1,806,227,000 | 1,845,475,000 |
| Equity capital | 781,138,000 | 798,007,000 | 812,377,000 | 825,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 63,166,000 | 121,071,000 | 179,305,000 | 239,230,000 |
| Interest expense | 9,693,000 | 14,416,000 | 17,627,000 | 19,911,000 |
| Net interest income | 53,473,000 | 106,655,000 | 161,678,000 | 219,319,000 |
| Noninterest income | 8,008,000 | 19,911,000 | 40,741,000 | 51,964,000 |
| Noninterest expense | 42,769,000 | 79,113,000 | 120,228,000 | 163,791,000 |
| Provision for loan losses | 14,455,000 | 29,973,000 | 45,713,000 | 55,949,000 |
| Pretax income | 5,013,000 | 19,002,000 | 39,191,000 | 57,573,000 |
| Income tax | 1,328,000 | 5,368,000 | 11,146,000 | 15,845,000 |
| Net income | 3,685,000 | 13,634,000 | 28,045,000 | 41,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 572,081,000 | 582,770,000 | 599,736,000 | 616,218,000 |
| Total capital | 615,279,000 | 635,920,000 | 656,395,000 | 675,976,000 |
| Risk-weighted assets | 4,417,386,000 | 4,475,536,000 | 4,525,789,000 | 4,772,187,000 |