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Regulatory Capital Requirements | 12 Months Ended
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Dec. 31, 2017
Regulatory Capital Requirements [Abstract] |
Regulatory Capital Requirements | Note 21—Regulatory Capital Requirements The Company and the Bank are subject to various regulatory capital requirements administered by their respective banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off‑balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of Common Equity Tier 1 capital (“CET1”), Tier 1 capital and total capital to risk‑weighted assets and of Tier 1 capital to average consolidated assets, as defined in the regulations. As of December 31, 2017, the most recent notification from the FDIC categorized the Bank as well‑capitalized under the framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the Bank’s category. The required regulatory capital ratios are set forth in the following tables along with the minimum capital amounts required for the Company and the Bank and well capitalized with respect to the Bank. The Company’s and the Bank’s actual capital amounts and ratios as of December 31, 2017 and 2016 are also presented.
|  | Actual |  |  | Minimum Capital Required |  |  | Required to be Considered Well Capitalized |
2017 |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |
Total capital to risk weighted assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  | $ | 410,831 |  |  |  | 15.98 | % |  | $ | 205,661 |  |  |  | 8.00 | % |  | N/A |  |  | N/A |
Bank |  |  | 367,972 |  |  |  | 14.28 | % |  |  | 206,083 |  |  |  | 8.00 | % |  |  | 257,604 |  |  |  | 10.00 | %
Tier 1 capital to risk weighted assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  | $ | 392,520 |  |  |  | 15.27 | % |  | $ | 154,246 |  |  |  | 6.00 | % |  | N/A |  |  | N/A |
Bank |  |  | 349,662 |  |  |  | 13.57 | % |  |  | 154,562 |  |  |  | 6.00 | % |  |  | 206,083 |  |  |  | 8.00 | %
Common Equity Tier 1 (CET1) to risk weighted assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  | $ | 353,995 |  |  |  | 13.77 | % |  | $ | 115,684 |  |  |  | 4.50 | % |  | N/A |  |  | N/A |
Bank |  |  | 349,662 |  |  |  | 13.57 | % |  |  | 115,922 |  |  |  | 4.50 | % |  |  | 167,442 |  |  |  | 6.50 | %
Tier 1 capital to average assets: |  |  |  |  |  | . |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  | $ | 392,520 |  |  |  | 12.25 | % |  | $ | 128,178 |  |  |  | 4.00 | % |  | N/A |  |  | N/A |
Bank |  |  | 349,662 |  |  |  | 10.89 | % |  |  | 128,409 |  |  |  | 4.00 | % |  |  | 160,511 |  |  |  | 5.00 | %
Note 21—Regulatory Capital Requirements (continued)
|  | Actual |  |  | Minimum Capital Required |  |  | Required to be Considered Well Capitalized |
2016 |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |
Total capital to risk weighted assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  | $ | 316,314 |  |  |  | 13.28 | % |  | $ | 190,257 |  |  |  | 8.00 | % |  | N/A |  |  | N/A |
Bank |  |  | 325,465 |  |  |  | 13.61 | % |  |  | 191,267 |  |  |  | 8.00 | % |  |  | 239,084 |  |  |  | 10.00 | %
Tier 1 capital to risk weighted assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  | $ | 304,324 |  |  |  | 12.78 | % |  | $ | 142,895 |  |  |  | 6.00 | % |  | N/A |  |  | N/A |
Bank |  |  | 313,474 |  |  |  | 13.11 | % |  |  | 143,450 |  |  |  | 6.00 | % |  |  | 191,267 |  |  |  | 8.00 | %
Common Equity Tier 1 (CET1) to risk weighted assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  | $ | 266,760 |  |  |  | 11.20 | % |  | $ | 107,171 |  |  |  | 4.50 | % |  | N/A |  |  | N/A |
Bank |  |  | 313,474 |  |  |  | 13.11 | % |  |  | 107,588 |  |  |  | 4.50 | % |  |  | 155,404 |  |  |  | 6.50 | %
Tier 1 capital to average assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  | $ | 304,324 |  |  |  | 10.07 | % |  | $ | 120,850 |  |  |  | 4.00 | % |  | N/A |  |  | N/A |
Bank |  |  | 313,474 |  |  |  | 10.35 | % |  |  | 121,169 |  |  |  | 4.00 | % |  |  | 151,461 |  |  |  | 5.00 | %
The Company and Byline Bank must maintain a capital conservation buffer consisting of CET1 capital greater than 2.5% of risk-weighted assets above the required minimum risk-based capital levels in order to avoid limitations on paying dividends, repurchasing shares, and paying discretionary bonuses. The capital conservation buffer requirement began to be phased in on January 1, 2016 when a buffer greater than 0.625% of risk-weighted assets was required, which amount increases each year until the buffer requirement is fully implemented on January 1, 2019. As of January 1, 2017 the capital conservation buffer requirement was 1.25%. The conservation buffers for the Company and Byline Bank exceed the fully phased in minimum capital requirement as of December 31, 2017. Provisions of state and federal banking regulations may limit, by statute, the amount of dividends that may be paid to the Company by Byline Bank without prior approval of Byline Bank’s regulatory agencies. The Company is economically dependent on the cash dividends received from Byline Bank. These dividends represent the primary cash flow from operating activities used to service obligations. For the year ended December 31, 2017, the Company received $2.8 million in cash dividends from Byline Bank to pay the line of credit interest; the trust preferred securities interest and preferred dividends. There were no cash dividends received by the Company from Byline Bank for the year ended December 31, 2016.

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- Definition The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1G -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958577-112826 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1C -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958572-112826 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1E -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958574-112826 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1H -URI http://asc.fasb.org/extlink&oid=84167132&loc=d3e65071-112826 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958569-112826 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1B -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958570-112826 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958575-112826 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958568-112826 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958573-112826 + Details
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