BY - Earnings call transcript Q2 2018

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Operator

Good morning. And welcome to the Byline Bancorp, Inc.

Second Quarter 2018 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. this being note Please Instructions] event recorded. is [Operator turn over to would now Pooley, conference to like I Allyson the Financial Profiles. Please ahead. go

Allyson Pooley

Austin, everyone. morning, today Bancorp’s and for Quarter you, Second Call. us Byline for Thank Earnings XXXX joining the Thank you good

slide a Events discussion access the as part Presentations to website for page of the using this be of Please morning. will presentation We Relations presentation. visit and our Byline’s Investor

respect Various contains to during to on be like which I’d the materially remind comparable and that I’d measures. President refer financial The made company forward-looking information the most discussed disclaims may directly release GAAP the company’s to condition statements GAAP obligation Management such discussed by call be to factors website. to Byline statements to substitute, risks with cause implied any contains the not on are as performance available intended forward-looking Before but that we And update begin, results press of as from to future are CEO. any quantitative and this the for available call. the measures, you website different the of with financial factors in the to well and that, call turn like reconciliation expressed Paracchini, filings, to involves today over measures. the conference actual or other statements. non-GAAP to non-GAAP SEC These supplement, Alberto Bancorp and results, could The forward-looking company’s uncertainties. future are which

Alberto Paracchini

to welcome and second morning, call. Good quarter Allyson. you, Thank our

Credit Tim Lindsay are Hadro, -- is our our Corby, morning this CFO; me and Officer. Chief Joining

and cover the overview for by with results an open key quarter will in pass who detail. over to call I’ll writing practice, then we our for start that, will or our call is the highlights more After As Lindsay the you performance questions.

from our characterized market solid the after we’re improving and closing diversified position that profitability. coming First strong had lending our a on and We that by report transaction, growth to pleased market, very capitalize opportunities. like businesses to Evanston we quarter We’re the in positioned well feel

to share. at or several our impacting get $X.XX of were $XX.X income non-recurring $X.X or per results our X minute. in $X.XX share. over those, deck. into came in million There million that But items at a Turning Slide earnings adjusting for in diluted per came I’ll Net

and our efficiently. more FIS’s the this integration will commercial hard the place During core particularly We banking, had systems, platform We opportunity our migrate to at the combined application bank and the made to a Evanston to look planning, course will better of take us XXXX. both quarter first feel the during the integration give of we system operate decision enhance First allow and to platform. Byline take anticipate us in the the product capabilities, conversion bank IBS

recorded As non-recurring termination conversion-related a contract decision, to this related quarter of expenses. this result other expenses we and certain

largely portfolio at was million, ROE sale strong. had quarter the at XX.X%. of ROA fee XX% and The Profitability X% above saw and came ROTCE the in growth continues nice XX million, in interest government-guaranteed income $XXX than in XX.X% or $XXX was points approximately by From result last XXX our higher points, up Moving improve standpoint, quarter, we the originated a in million quarter. revenues. total of was revenue to basis with Originations from second production basis at and in quarter. loans. coming to increased on We gain net last which growth adjusted driven $XX.X over higher higher of volumes, of income approximately strong coming

Excluding on by an basis. annualized XX% grew portfolio our of the impact the acquisition,

commercial as lower-than-anticipated lending we was Our a payoff production our activity. effort diversified team businesses broad and from strong truly saw contributions

payoff certainly it’s moderate difficult nice this you to see As quarter. from know, it so during to predict quarter, to is quarter activity

very performed exceeding and business originations lending government-guaranteed well $XXX on with Our million sale strong revenue. gain

saw also by the the the lender speaks at state SBA quarter, team bankers we’re originations Illinois, and that to of business. recognized good diversification in of X(a) top and in the This we which in product our quality

quarter grew On and the right XX% X.X% acquisition. that with legacy the accounting were deposit composition ended deposits. acquisition both deposit $XX.X total fund, excellent deposits remained branch grew of deposit balances. move ending lower by impact million. total Non-interest-bearing Average the we at the by This DDAs almost quarter billion. from reflects exclude count, total prior the with per $X.X and direction quarter. the of for impacted the impact, to in the if deposits higher we Balances by DDAs X%, deposits of the continues But branch

expenses. over Moving to

consolidation came We an points expenses On quarter. our there’s continue the exclude volatility in that our of efficiency this in but have no getting level of by you to the targeted XX.X%, below improved end incurred at grew outpacing ratio growth gain by percentage nicely quarter-over-quarter, a ratio we’re branch basis. from impact we question year-over-year X can X.X% some of to XXXX. This adjusted operating XX% which largely progress transaction, by leverage. expense if on which, and making stemmed Revenue basis, the increased

costs had. increase to NPAs XX in all QX with I quarter. points from driven while growth. declining That’s declined, largely improved loan was new quality Credit basis by this our asset points also Lastly, basis XXX provision

to that, you let over pass Lindsay, give our call with detail who So more will on the results. me

Lindsay Corby

June lease billion from prior quarter. our with the were Thanks, increase Alberto. of slide $X.X loan billion the I of $X.X morning, everyone. XX, the end and Good on total will an at leases of start and loans portfolio. Of X review

First Evanston $XXX contributed approximately total loans. in million

increased net. portfolio loan originated Our approximately million $XXX

our C&I we growth strongest our estate commercial lending During all in the quarter, increases real with major portfolios. areas saw of coming across and the

Moving total XX. X, $X.X our onto deposits. On June increased billion to slide deposits at

all $XX.X growth saw we acquisition, across the of growth categories total portfolio deposit good impact in million. of our the with Excluding

deposits XX.X% total end represented deposits quarter. of the of at the non-interest-bearing Our second

driven As we promotional our by the XX in our had growth of basis market increased and to was loan support we anticipated, money quarter. XX in which CDs by to cost to bring primarily basis points funding deposits campaigns points,

Moving X, net discuss I’ll margins. to Slide and income our interest

to income interest $X.X primarily month Evanston. net million, by the contribution increased Our X due of First

Our reported net basis XX to X.XX% interest or when accretion points basis exclude margin decreased you X points income.

points XX increase basis in a average Excluding leases margin our basis to loan the impact our basis interest attributed our the deposits. yield total cost $X.XX. was net This of decline point a acquisition, point in X XX and declined with combined to of

noninterest to million. quarter, noninterest by our our $X.X the prior income Compared decreased and X, Slide to Turning income.

sold loans the the our was premium acquisition, prior of to a average net the significant mix quarter and loan our on sales. volume also million quarter exceeded Excluding due government-guaranteed favorable $X.X most the sales trended this more driver increase The sold. gains on of loans higher in loan

We other fee also $XXX,XXX of had increase an noninterest increase our due customer mainly income, derivative in $XXX,XXX to income. in a

added second our line of item business a the wealth result acquisition. for quarter, management new During income noninterest the in we trust as and a

$XXX,XXX business of For of this income. June, noninterest generated the month

a of we of income result a expect additional of as on percentage time. overall fee government-guaranteed and our trend mix As sale down our revenue that the gain acquisition, from revenue over will net loans our

to Moving X. Slide

Let’s look at our noninterest expense.

also significant related the Evanston’s expenses. operations. from reflects not of Our and conversion $XX second other of merger-related the the the to includes First impact X-month It of quarter expense million expenses core items interest

consolidation earnings the Excluding increasing $XXX,XXX branch the in in increase modestly, noninterest the charges related a attributed of to our is share acquisition, grew performance primarily X%. This our expense second had $X.XX These during on expenses approximately quarter. by an impact to June.

we with the savings apparent First As Alberto XXXX. in Evanston had the combination reported system planned first conversion of for will mentioned, be quarter the After our from results. our conversion, cost the more

the are track savings We expectations with associated the meet cost on acquisition. to

at look X, to we’ll Turning Slide asset quality. take a

$X our of nonperforming to at of business. the decreased loans Our from approximately for quarter. million second government-guaranteed our inflow government-guaranteed our XX loans XX, amount, points the mainly NPLs absolute million, $X.X end of accounted due NPLs. At On basis an increased dollar lending loans June total

nonperforming assets $X.X by reduction by OREO. declined our Our $X.X driven a million million, in

or were Our Charge-offs Provision points were loans. of quarter for the the $X million. portion unguaranteed second for net SBA loans leases expense million and the to XX $X.X related was quarter. basis average primarily charge-offs of

The which loans. leases, second and the to quarter offset provision was loans originated impaired included $X.X a million allocations for our by credit for acquired $XXX,XXX of provision

this expense quarter primarily provision the Our by in growth portfolio. was driven

points the loans for loans XX at added June due quarter losses to and was the to from end from basis prior the XX, down of acquisition. the allowance Our loan lease total

to At conjunction accounting June addition analyze the and with represented loan the of adjustments accounting leases. that for acquisition plus to our the lease the total loans the acquired impacting loan portfolio. lease closing adjustments in would the of traditional Alberto, for points of and allowance acquisition In losses allowance like percentage call remarks. metric, also basis pass and XX, back we the to With XXX I allowance

Alberto Paracchini

second Great, are strategy focused the have our on and positive summary, thank executing into of going you In half Lindsay. we momentum the year.

and as see the realize the synergies more to continue as of to our expect the of coming projected in grow We we business. transaction quarters, benefits mentioned, Lindsay

With to questions. continue remain add we in and our On and with open fits in evaluate well call banks the for operator, front, to opportunities value market we acquiring M&A culture that the interested can the can franchise. that our

Operator

And Instructions] with today Piper question Please Jaffray. our Race comes first ahead. Nat [Operator from go

Matthew Clark

in morning, good for Clark Hey Matthew It’s Nate. pitching

Alberto Paracchini

Good morning. Matt, Hey

Matthew Clark

morning. Good

SBA to think strong might this forward might for and a going little going not? the on bit the down sense or a XQ that volume level very very, get not Just of to want activity or you whether come that, quarter, pipeline

Alberto Paracchini

the -- think remains pipeline just the overall, strong. I

bit I that very well we thing, by good diversified. X(a) we was a And that we mean, were this more production. saw think Matt, I that little one off had had originations quarter good,

USDA some production. had also We

of we traditional loan. more the So than just was in mix general, X(a) had the loans there that

balance We also are our obviously, Those some for us, sheet XXXs. had products.

said, unit in a business performance saw. as far sale very as that longer-term Obviously, approach a on only gain or we So company And But on a a the strong. revenue, that we basis in can past, quarter-by-quarter not in also general, it’s -- remains pipeline where but what a with the take had some see originations, said had the volatility. like as originations. you good we we

Matthew Clark

NPLs, working the were within then on last the you just credits through update any quarter? And Great.

Alberto Paracchini

we’ve more guarantee. I Still working see are really government in detail, go you bucket through, the if of that loans that portions you can And the that so credits. through NPL those a think particularly have release, added our

can in to portions guaranteed to our of still working roughly about as in there that about you million are NPL expect loans, takes see assets, but resolutions see ultimately $X.X and time schedule, related -- but it’s that through, continue it So some that occur. are are to we’re as plough these of to to line as out start work those reductions we ahead they

Matthew Clark

one, your And landscape, just there estate get the great. on last real broader thoughts commercial Okay, this to then quarter. good want growth

commentary opportunities? any you’re on Just where seeing

Alberto Paracchini

in continue markets, target we we’re our in of where to areas good think plenty consideration, always competition. I opportunities we our seeing a -- but falling in deal is see the flow. -- Pricing

we We obviously, a It’s clients. somewhere -- going a be say transaction you’re XXX focus kind anything see doing It’s I bat hope to selected, the seen that would to on there. being in to flow slowdown. don’t but haven’t getting able continue the so can to bats for key you unusual X,XXX, know good XXX I to range, and enough continue there’s is and at not to just of job that that bat

Matthew Clark

Thanks.

Operator

Our ahead. Perito Michael take of go Please from next comes question KBW.

Michael Perito

for question. guys. good Hey morning the Thanks taking

Alberto Paracchini

Mike. morning, Good

Michael Perito

on maybe to wanted start I the expense rate. just run

happened obviously, closures XQ branch in So happening the QX. ‘XX, in conversions the late

the kind Evanston So here, First all -- I if XQ. of think you about in full mean, quarter everything of together

million run guys point? Just kind Is this high-$XX down with generally part are and forward of up that rate way at what its of kind to the range million drift next range you thinking year? of by the $XX.X early like the consistent worked bound

Lindsay Corby

there, there’s only backwards Mike, It’s difficult I this look just is month back in given math. quarter do and way at field easiest X to question. I that really think the understand just to it this your the

you is out get a always at you here from our year. if of And I call look First Evanston’s a forma forward, $X million until out branch it. to of good onetime pro then which pretty the rate June, won’t close this There and then way million, $XX later I’d there. can the start average the start anywhere million, so the call see expense we it you million, coming on it, from that million run the you think expenses $XX that about $XX them you on say add And lag, seeing will the expenses, current we of middle at if is going because $X back

lab Evanston are with a the the out end, So seeing but come and towards in savings there’s little bit the of of First then start expense a very you’ll conversion. terms back-ended much that

And the it start fourth seeing of bulk a the comes so bit with quarter but it conversion. in coming you’ll of little and next third here up,

Michael Perito

First if full Thanks. sense, All we right. we equal, $XX do million, assume pro But just sense number to $XX the like of closures $XX that like a with the targeted slightly cost that you where you and saves cost where on know I look a that have the kind all of any Evanston? it else and Is other saves the legacy That’s just makes number ahead, look forma of helpful. saves? don’t Evanston the asking but Or if branch I does cost today’s but the First both the guess, question all off maybe from million? number the moves million, that if kind and with branch growth, differently, of go exclude

Lindsay Corby

Yeah.

million $XX number, think looking at it I now. in your of terms I’m good feels it right pretty how

Michael Perito

that the you. to NIM. your And the pro I’m Evanston, then margin, to the little on I be dilutive of compression core part forma at quarter-over-quarter is Thank recall correctly, in NIM. they Okay. -- were if First going was assuming

Byline a if give can Just also quarter on any you’re the thought but trends then where Evanston? First months legacy next with that both X dynamics you seeing, curious, full of

Lindsay Corby

Right.

up I item about So that if onetime you basis points to quarter, brought last NIM. contributed recall, Mike, when we talked the a XX

view So on basis the NIM pretty quarter-over-quarter a flat. really we as

and not little but money saw pressures in CDs. a couple was bit by that and market basis much, result core pricing points, the was of it, of that there the we compression a So a of call deposit mainly

within remainder the and base, betas So low of our were, core the expectations. the deposit remained pretty

go-forward So on basis… a

Michael Perito

core There could the on X in, be but First quarter are full all positive Evanston, some the from NIM fairly trends pressure in of the side? I third the mean months

Lindsay Corby

loans, by the we’ve be the All right. terms it past, will I’d say see yields on Mike, the asset-sensitive, in they’re Like you pretty flat so slight we here. of will said in a are the pressures. however, expansion offset deposit

possibly going it view expanding QX going we slightly So into and from slightly there. then as forward flat here

so of occurred will see We in a benefit in little bit June September third into and in get the the that quarter obviously, rate fourth come will you then the will in that help quarter. the that if increase one

Michael Perito

just if, and then of obviously, changed is, there? in you And we curious that’s where merger, the is on too I’ll pick that kidding to able generally concerns we’ve changes volatility level a result all been But uncertainty. over get A in velocity I uncertainty of Alberto out the a any Third terms think Alberto, transaction feeling of using have of I good to it’s a Fifth are mean, a relationship. result tell - lastly, good maybe a of speaking we don’t up just to One have poking the I’m I thoughts, that this transactions Helpful. And feeling thing people ground broad, and banking early. it’s BFI Or stages? a opportunities time or able Mike. as some I situations, mean, talking some disruption seen look a transaction about but to, win able question, aside, mostly Well, Okay. little in think that higher something as been updated the business. they around want yet? of bit really in that have having different that’s share benefit I prices, some see the seen clients at already guys just clients been to and a of where being potentially market, you we and early just put has around the the kind piece in Paracchini there’s Or anything still

a that’s So positive.

as will still think I if opportunities And As as of too early. that’s not, the something transaction transaction. that lenders till probably until see post I because far that’s potentially closer, much we think with not result

Operator

from with question Terry The next comes McEvoy Stephens.

Terry McEvoy

the Maybe question. of other that I’ll side ask

X market doubt, You’re number Evanston, in deposits in up share no stepped of in their kind in game competitors market. have that

last to offense? announced are here in doing week. runoff? Have you seen bit any somebody more think I what what maybe discussed of And it shift branch do opened that? doing a a and And go about to do or you is you defense that they play have little how you

Alberto Paracchini

own. Yes, as life, fact I in we’re position competitors, Terry. compete do, with formerly we’re our Evanston, and holding been comfortable we well. XX-year that only by not have with than our good type we built and more markets of relationships that First in some and in market but a other Competition the banking And remain question, the is of holding of in that them We over our -- very a with period. compete we Evanston think -- Evanston

where that our there -- are the client-focused we have frankly, I the this to we are other So pretty point, markets defend position, where feel we compete. do we so. think relationship Evanston, we degree and and at But to will are in we good we in with

Terry, So some color you that question. the hopefully, gives on

Terry McEvoy

monthly And the impact margins, different understand we don’t better Was had would that basis transaction. then at way. the QX? there noticeable And full Mike’s trend June monthly maybe help ask a start Thanks. a the as change a I the just does. margin normally of but us looked It question, on about maybe in

Lindsay Corby

points of different, close, material. pretty Terry. was it A nothing No, basis couple

Terry McEvoy

-- sustainable Thank a customer-derivative of product half release or it the we year? And the just call just there back transaction? about think in is Was then earlier, revenue I that think large in line was you was the And a that free or lastly, Okay. mentioned the level? -- that should how in

Lindsay Corby

a That’s -- had a that good our we the and first have here in portion the of year really great question, of business. of terms performance half for

QX feel really going been I remain than it’ll I’d pretty here strong that happy. forward. but say, normal, we’ve do So higher was

Alberto Paracchini

we half up the what going rates, of opportunity Terry. rate I One talk started had Yes, I on seeing the think backing the think, that additional think clients of the short-term took I add and potential rates is, would up rates, year, is and to lock interest that clients degree first rates the I some as thing during increases they that. in of advantage to saw

is This So one not rates business. in going derivative I that a, good degree, a interest -- is more to a time to to customer-related long-term it that perception some thing It forward maybe we there. think, -- think And lock transactions. in now correlation a it’s I have though do not to mind financing. derivatives even -- keep some call be is, we’re it’s, in in will a, the movements customer has by we’re

volatility we’re there. So drive to income, swap there’s largely some degree doing what that the really is I think that will there, which

Terry McEvoy

weekend. Understood. and a have Thanks nice

Alberto Paracchini

you. Terry. Thank Great.

Operator

with Sandler Your Andrew next question comes Liesch O’Neill. from

Andrew Liesch

Good morning.

Lindsay Corby

Good morning, Andrew.

Alberto Paracchini

Andrew. morning, Good

Andrew Liesch

look the -- this it going the quarter? here, was just it especially, Just forward was the into And a curious strong. question like, pulled growth quarter? any was C&I, of third on how pipeline the it does was from loan pretty I on

Alberto Paracchini

was think mentioned pipeline And as was comments, think -- had it -- I I in general contributions. Well, my I think, just remain I in broad pipelines solid. we

group quarters than area Sometimes quarter better or you to one another where group. one a tends have have

impact it And the know, all can commercial what was an activity I from broad volatility some at payoff growth. on different as basis point interesting and just our Here important was across board businesses. two, on is, net contribution is lending one, can loan and this times which, think was, certainly has a have quarter add you

lower half it in we’ve it very This was last than it than year. was certainly first of quarter, certainly lower was the and the I muted. seen -- quarter mean, what

push activity -- at going contributed. quarters, seeing Obviously, is to what than give had that lower So we you some you it’s certainly and lower give some much payoff it’s we your to wind anticipate higher. time, any net loan that back prior to obviously, than growth in been going

Andrew Liesch

just reliance you’re add there commercial campaigns opportunity of some these related added, through businesses some some then Or the C&I guys the on that is And of some to to these for you just maybe you of them? running? an core loans, deposits reduce

Alberto Paracchini

would say, I yes.

a on relationship side. are lender the We C&I

do and to mean, are not about So our doing a looking of just the -- a part relationship business get we to the relationship when as I expect that C&I -- transaction to deposit is it’s with we the want not transaction. we customer. loan get deposit we

additional the So to to question is, that’s thing thing remain I core deposit thing funded. yes. to is, we would there One -- One add, -- one Andrew color. to answer us you that want give to important

it’s from to the build to important So we grow we want side, continue we the portfolio to important on side, commercial the branches. make that on to it’s that DDA to we medium we for our accounts the have coming on largely through But funding deposit business DDA small side long-term, that sure -- the base. on us us to want portfolio, as our add that, relationship relationships, side, the

strategy. Just a comment there on

Andrew Liesch

Great. you answering for those of questions. my Thank

Operator

Brian [Operator Instructions] comes FIG with Please next Partners. Martin question Your from ahead. go

Brian Martin

good Hey, morning.

Alberto Paracchini

Good morning Brian.

Brian Martin

legacy? of last of prospectively. just quarter talked just idea Evanston we guess, you us about about you what an was The was question. bit you can think some accretion guess, between color can I have like how -- X to point the on maybe First so what think -- this little XX just I I and breakdown benefit. basis kind little give it quarter, breakdown a -- ago, The just said on -- Lindsay, a

Lindsay Corby

Sure. Sure.

I did quarter, last So about the talk points. XX basis

bottom obviously, to that. was part accretion. the not on up fell but of But the loan down that answer happy line, yield, any So and questions showed that to through in

breakout, clear accretion piece. accretion be And of So the points. about was in XX on terms just quarter the then basis last to that

you when Evanston slightly, there. First It out call margin of $XXX,XXX acquisition, it you fell pretty the So there. under impact close net on just it, -- under strip accretion held the in

a Was points First Evanston then the And helpful? basis acquisition. was So of that Brian. the just rest to couple there, obviously, related

Brian Martin

getting And and expectation that’s about color the like you just Yes, talk pricing? to you Thank current helpful. It the Perfect. the like, you you’ve trend are maintain just rates about funding loan -- production better just looks you. going sounds then just but, on of is if on up, the the kind about can I kind the the Okay. -- just -- thinking are, you’re obviously with that? talked seeing pricing, what your mean, cost rates what margin on the how what on any side? I you’re of mean, are

Alberto Paracchini

you lot and a those a to sure mean, business, work we haven’t On depending of that way, our think properly in SBA loan give mean, compensated I the a get on lot I’ll work, of on relative there’s priced certain make SBA we business, business. business answer a we the I mean, we we on want do -- involved basis, that. that I I a a quarter-on-quarter are --

be selective, pretty we so there, a that in And tend where of pricing. business we’re but to firm terms obviously it’s

you tell rest businesses, a a the our broadly competitive speaking, of -- our our Some of in it’s in compression our couldn’t that on have market, seen I we obviously, -- commercial basis, a in businesses. lending other but quarter-over-quarter

-- quarter-over-quarter, would it’s I this as neutral. more think I I characterize think, just

Brian Martin

the All That’s Okay. helpful. just last for thing right. And me.

I as think pipeline, of expedition not there they into portfolio kind that that, coming you that offset as growth any Evanston, expect? there’s in asked any Or fold, the to guess, loan just pipeline of, I of, about think but a -- way? about is it just First runoff that question the the far kind some

Alberto Paracchini

month we’re I I think I mean, to have we where for it I some it’s in And only think actually expect there’s the finally No, just X natural X runoff portfolio. some. month. mean, natural seeing

and So building But I relationship I starting months perspective. certainly forward to with the start ahead, and much better a First similar here get long-term it as us. quarter, Relationship think this Evanston, month we we’ll clients. move this -- to very think lender, quarters much was very in

and it’s the Brian, activity. to C&I portfolio a that’s primarily some paydown degree expect it’s So pipeline, but portfolio. said, of unreasonable, not That regular a it’s granular just

-- So not there’s lumpiness of in a portfolio. lot that’s not that

I see over -- we good plays forward. that aspect we’ll think time, how So and feel that out, going about but pretty

Brian Martin

Okay. me. And then the last one for

talked Just about expenses little a -- bit. Lindsay, you the

I’m event clear, clean the or would conversion, the cost when I savings the of quarter go you think to next with, it so expect could a Just year, first third quarter you be of, based quarter on realized, kind more all the timing? second

Lindsay Corby

say would I more to quarter, of the third be honest.

down, XXXX, be where but first half quarter start you’ll come it’ll think that I of seeing very clean. I think after it’s really conversion you’ll start things the happens, it seeing latter

Brian Martin

Thanks taking Okay. Alright. for the questions.

Alberto Paracchini

Excellent. Thank Brian. you

Operator

will remarks. over conclude management question-and-answer conference to back turn I would our session. the like this closing And to any for

Alberto Paracchini

morning, forward to Thank again Great. Thank speaking we for you look to I you. us you joining you. quarter. say with want next this And and thank just

Byline Bancorp (BY) 28 Jul 182018 Q2 Earnings call transcript