BYLINE BANCORP, INC. (BY) [Rocket]

In millions, except per share items	Dec-31-21	Dec-31-20	Dec-31-19	Dec-31-18	Dec-31-17	Dec-31-16	Dec-31-15
	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	223.0	208.8	235.5	185.0	120.4	83.2	69.6
Interest income on investments	23.6	28.9	27.0	20.1	15.5	14.8	13.5
	248.9	239.2	264.8	207.0	136.8	98.4	83.3
Interest expense:
Interest on deposits	4.5	16.6	36.3	19.3	7.7	4.6	4.3
Interest on borrowings					3.3	0.7	0.0
	10.9	20.9	39.3	28.3	13.9	7.7	6.6
Net interest income	259.8	260.2	304.1	178.6	122.9	90.6	76.6
Provision for loan losses				18.8	12.7	10.4	7.0
Net interest income after provision for loan losses	259.8	260.2	304.1	159.8	110.3	80.3	69.7
Deposit and loan fees							5.8
Gain on sale of investments, net							3.1
Other non-interest income	74.3	62.1	55.5	49.6	49.0	25.9	12.0
Total non-interest income	74.3	62.1	55.5	49.6	49.0	25.9	20.8
Non-interest expenses	185.0	169.4	173.8	153.9	118.5	100.7	105.2
Asset impairment	2.2
Pre-tax income	124.2	51.7	77.3	55.4	40.8	5.5	-14.7
Income taxes	31.4	14.2	20.3	14.2	19.1	-61.2	0.3
Tax rate	25.3%	27.5%	26.3%	25.7%	46.8%
Net income	92.8	37.5	57.0	40.4	10.4	66.7	-15.0
Net margin	27.8%	11.6%	15.8%	19.3%	6.5%	62.9%	-16.5%

Basic EPS	$2.47	$0.99	$1.53	$1.21	$0.39	$3.31	($0.86)
Diluted EPS	$2.42	$0.98	$1.50	$1.18	$0.38	$3.27	($0.86)

Shares outstanding (basic)	37.6	38.0	37.3	33.3	27.0	20.1	17.3
Shares outstanding (diluted)	38.4	38.3	38.0	34.2	27.5	20.4	17.3

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.