First Busey(BUSE) - 2025 Q2 - Earnings Call Presentation

Financial Performance - Adjusted diluted EPS increased from $0.57 in 1Q25 to $0.63 in 2Q25[10] - Adjusted net income increased from $40 million in 1Q25 to $57 million in 2Q25[10] - Adjusted pre-provision net revenue (PPNR) increased from $55 million in 1Q25 to $81 million in 2Q25[10] - Net interest margin increased from 3.16% in 1Q25 to 3.49% in 2Q25[10] - Adjusted efficiency ratio improved from 58.7% in 1Q25 to 55.3% in 2Q25[10] Balance Sheet and Capital - Total assets reached $18.9 billion in 2Q25[8, 21] - Total capital ratio was 15.8% in 2Q25[8, 36] - Tier 1 capital ratio increased to 13.7% at 6/30/25 from 12.0% at 3/31/25[5] - Tangible common equity to tangible assets ratio was 9.27% at 6/30/25, up from 8.30% at 6/30/24[36] Loan Portfolio - Total loan portfolio was $13.8 billion[43] - Non-performing loans (NPLs) to total loans ratio was 0.40%[43] - Classified loans to capital ratio was 7.7%[43] Deposits - Total deposits reached $15.8 billion[18, 70] - Core deposits represented 92.5% of total deposits[36, 70] - Average deposits per branch were $203 million[20, 70] - Non-interest bearing deposits accounted for 22.7% of total deposits[36] Wealth Management and FirsTech - Wealth assets under care reached $14.1 billion[8, 21, 96] - FirsTech processed $11 billion in payments[21, 151]