XML 110 R39.htm IDEA: XBRL DOCUMENT
v3.20.1

Loans and Lease Receivables (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2019
Receivables [Abstract] |
Schedule of Outstanding Loan and Lease Receivables | Outstanding loan and lease receivables as of December 31, 2019 and 2018 were categorized as follows:
|  | 2019 |  |  | 2018 |
Commercial real estate |  | $ | 1,275,058 |  |  | $ | 1,261,594 |
Residential real estate |  |  | 711,499 |  |  |  | 704,899 |
Construction, land development, and other land |  |  | 279,403 |  |  |  | 186,258 |
Commercial and industrial |  |  | 1,330,418 |  |  |  | 1,145,240 |
Installment and other |  |  | 6,484 |  |  |  | 13,675 |
Lease financing receivables |  |  | 177,774 |  |  |  | 187,797 |
Total loans and leases |  |  | 3,780,636 |  |  |  | 3,499,463 |
Net unamortized deferred fees and costs |  |  | 2,289 |  |  |  | (1,293 | )
Initial direct costs |  |  | 2,736 |  |  |  | 3,456 |
Allowance for loan and lease losses |  |  | (31,936 | ) |  |  | (25,201 | )
Net loans and leases |  | $ | 3,753,725 |  |  | $ | 3,476,425 |
|  | 2019 |  |  | 2018 |
Lease financing receivables |  |  |  |  |  |  |  |
Net minimum lease payments |  | $ | 193,359 |  |  | $ | 204,646 |
Unguaranteed residual values |  |  | 1,347 |  |  |  | 1,535 |
Unearned income |  |  | (16,932 | ) |  |  | (18,384 | )
Total lease financing receivables |  |  | 177,774 |  |  |  | 187,797 |
Initial direct costs |  |  | 2,736 |  |  |  | 3,456 |
Lease financial receivables before allowance for lease losses |  | $ | 180,510 |  |  | $ | 191,253 |
Summary of Minimum Annual Lease Payments for Lease Financing Receivables | The minimum annual lease payments for lease financing receivables as of December 31, 2019 are summarized as follows:
|  | Minimum Lease Payments |
2020 |  | $ | 71,820 |
2021 |  |  | 55,396 |
2022 |  |  | 37,696 |
2023 |  |  | 20,466 |
2024 |  |  | 7,475 |
Thereafter |  |  | 506 |
Total |  | $ | 193,359 |
Summary of Balances for Each Respective Loan and Lease Category | The following tables summarize the balances for each respective loan and lease category as of December 31, 2019 and 2018:
2019 |  | Originated |  |  | Acquired Impaired |  |  | Acquired Non- Impaired |  |  | Total |
Commercial real estate |  | $ | 792,263 |  |  | $ | 135,914 |  |  | $ | 348,365 |  |  | $ | 1,276,542 |
Residential real estate |  |  | 483,072 |  |  |  | 100,223 |  |  |  | 128,527 |  |  |  | 711,822 |
Construction, land development, and other land |  |  | 235,794 |  |  |  | 5,373 |  |  |  | 37,490 |  |  |  | 278,657 |
Commercial and industrial |  |  | 1,160,996 |  |  |  | 16,909 |  |  |  | 153,660 |  |  |  | 1,331,565 |
Installment and other |  |  | 5,372 |  |  |  | 249 |  |  |  | 944 |  |  |  | 6,565 |
Lease financing receivables |  |  | 158,155 |  |  |  | — |  |  |  | 22,355 |  |  |  | 180,510 |
Total loans and leases |  | $ | 2,835,652 |  |  | $ | 258,668 |  |  | $ | 691,341 |  |  | $ | 3,785,661 |
2018 |  | Originated |  |  | Acquired Impaired |  |  | Acquired Non- Impaired |  |  | Total |
Commercial real estate |  | $ | 652,234 |  |  | $ | 146,808 |  |  | $ | 462,565 |  |  | $ | 1,261,607 |
Residential real estate |  |  | 466,309 |  |  |  | 113,934 |  |  |  | 124,659 |  |  |  | 704,902 |
Construction, land development, and other land |  |  | 144,128 |  |  |  | 3,779 |  |  |  | 37,442 |  |  |  | 185,349 |
Commercial and industrial |  |  | 803,508 |  |  |  | 12,617 |  |  |  | 328,672 |  |  |  | 1,144,797 |
Installment and other |  |  | 11,718 |  |  |  | 404 |  |  |  | 1,596 |  |  |  | 13,718 |
Lease financing receivables |  |  | 159,901 |  |  |  | — |  |  |  | 31,352 |  |  |  | 191,253 |
Total loans and leases |  | $ | 2,237,798 |  |  | $ | 277,542 |  |  | $ | 986,286 |  |  | $ | 3,501,626 |
Schedule of Estimated Fair Value of Impaired Loans Acquired at Acquisition | The following table presents a reconciliation of the undiscounted contractual cash flows, non‑accretable difference, accretable yield, and fair value of acquired impaired loans as of May 31, 2018 (First Evanston) and April 30, 2019 (Oak Park River Forest):
|  | Preliminary Estimates April 30, 2019 |  |  | May 31, 2018 |
|  | Oak Park River Forest |  |  | First Evanston |
Undiscounted contractual cash flows |  | $ | 74,092 |  |  | $ | 33,594 |
Undiscounted cash flows not expected to be collected (non-accretable difference) |  |  | (11,401 | ) |  |  | (5,003 | )
Undiscounted cash flows expected to be collected |  |  | 62,691 |  |  |  | 28,591 |
Accretable yield at acquisition |  |  | (9,764 | ) |  |  | (3,566 | )
Estimated fair value of impaired loans acquired at acquisition |  | $ | 52,927 |  |  | $ | 25,025 |
Summary of Outstanding Balance and Carrying Amount of All Acquired Impaired Loans | The outstanding balance and carrying amount of all acquired impaired loans are summarized below. The balances do not include an allowance for loan and lease losses of $2.8 million and $2.7 million, at December 31, 2019 and 2018, respectively.
|  | 2019 |  |  | 2018 |
|  | Outstanding Balance |  |  | Carrying Value |  |  | Outstanding Balance |  |  | Carrying Value |
Commercial real estate |  | $ | 189,969 |  |  | $ | 135,914 |  |  | $ | 216,137 |  |  | $ | 146,808 |
Residential real estate |  |  | 151,641 |  |  |  | 100,223 |  |  |  | 173,962 |  |  |  | 113,934 |
Construction, land development, and other land |  |  | 14,841 |  |  |  | 5,373 |  |  |  | 11,962 |  |  |  | 3,779 |
Commercial and industrial |  |  | 23,330 |  |  |  | 16,909 |  |  |  | 24,972 |  |  |  | 12,617 |
Installment and other |  |  | 1,099 |  |  |  | 249 |  |  |  | 1,735 |  |  |  | 404 |
Total acquired impaired loans |  | $ | 380,880 |  |  | $ | 258,668 |  |  | $ | 428,768 |  |  | $ | 277,542 |
Summary of Changes in Accretable Yield for Acquired Impaired Loans | The following table summarizes the changes in accretable yield for acquired impaired loans for the years ended December 31, 2019, 2018, and 2017:
|  | 2019 |  |  | 2018 |  |  | 2017 |
Beginning balance |  | $ | 37,115 |  |  | $ | 36,446 |  |  | $ | 36,868 |
Additions |  |  | 9,764 |  |  |  | 3,566 |  |  |  | — |
Accretion to interest income |  |  | (24,535 | ) |  |  | (23,982 | ) |  |  | (24,597 | )
Reclassification from nonaccretable difference |  |  | 17,665 |  |  |  | 21,085 |  |  |  | 24,175 |
Ending balance |  | $ | 40,009 |  |  | $ | 37,115 |  |  | $ | 36,446 |
Schedule of Unpaid Principal Balance and Carrying Value for Acquired Non-Impaired Loans and Leases | The unpaid principal balance and carrying value for acquired non‑impaired loans and leases at December 31, 2019 and 2018 were as follows:
|  | 2019 |  |  | 2018 |
|  | Unpaid Principal Balance |  |  | Carrying Value |  |  | Unpaid Principal Balance |  |  | Carrying Value |
Commercial real estate |  | $ | 356,787 |  |  | $ | 348,365 |  |  | $ | 473,262 |  |  | $ | 462,565 |
Residential real estate |  |  | 130,412 |  |  |  | 128,527 |  |  |  | 127,478 |  |  |  | 124,659 |
Construction, land development, and other land |  |  | 38,416 |  |  |  | 37,490 |  |  |  | 38,494 |  |  |  | 37,442 |
Commercial and industrial |  |  | 159,599 |  |  |  | 153,660 |  |  |  | 344,879 |  |  |  | 328,672 |
Installment and other |  |  | 971 |  |  |  | 944 |  |  |  | 1,831 |  |  |  | 1,596 |
Lease financing receivables |  |  | 23,976 |  |  |  | 22,355 |  |  |  | 32,977 |  |  |  | 31,352 |
Total acquired non-impaired loans and leases |  | $ | 710,161 |  |  | $ | 691,341 |  |  | $ | 1,018,921 |  |  | $ | 986,286 |

X
- Definition Tabular disclosure of the fair value at acquisition of acquired loans accounted for as debt securities with evidence of deterioration of credit quality. + References No definition available. + Details
Name: | by_ScheduleOfCertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAcquiredDuringPeriod
Namespace Prefix: | by_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of certain loans acquired in transfer not accounted for as debt securities outstanding balance and carrying amount. + References No definition available. + Details
Name: | by_ScheduleOfCertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesOutstandingBalanceAndCarryingAmountTableTextBlock
Namespace Prefix: | by_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of unpaid principal balance and carrying value for acquired non-impaired loans and leases. + References No definition available. + Details
Name: | by_ScheduleOfUnpaidPrincipalBalanceAndCarryingValueForAcquiredNonImpairedLoansAndLeasesTableTextBlock
Namespace Prefix: | by_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Summary of balances for each respective loan and lease category. + References No definition available. + Details
Name: | by_SummaryOfBalancesForEachRespectiveLoanAndLeaseCategoryTableTextBlock
Namespace Prefix: | by_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Summary of changes in accretable yield for acquired impairment loans. + References No definition available. + Details
Name: | by_SummaryOfChangesInAccretableYieldForAcquiredImpairmentLoansTableTextBlock
Namespace Prefix: | by_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the annual minimum payments due from financing receivables, such as, but not limited to accounts, notes, loans, and other financing receivables. + References No definition available. + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesMinimumPaymentsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration