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  "documentTitle": "First Busey | Results Presentation Deck | 41 slides",
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      "text": "BUILT ON A FORTRESS BALANCE SHEET: Pristine asset quality, highly diversified loan portfolio, & capital levels significantly in excess of well-capitalized minimums",
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      "text": "Powerful Combination of Three Business Lines Drives Strong Noninterest Income: Diverse fee income, 28.7% noninterest income ratio, 62.2% from wealth/payments, full suite of solutions.",
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      "text": "Disciplined Growth Strategy Driven by Regional Operating Model: Organic growth, 10 quarters of loan growth, efficient branch network ($178M avg deposits), successful M&A track record.",
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      "text": "Attractive Profitability and Returns: 1.00% ROAA, 14.34% ROATCE, 2.80% NIM, 60.2% efficiency ratio, $0.55 EPS, $0.24 dividend.",
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      "text": "Attractive Franchise that Provides Innovative Financial Solutions: 58 branches, premier commercial bank, 96.6% core deposit ratio, 109 bps low cost deposits, 28% uninsured deposits, technology investments.",
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      "text": "Non-GAAP calculation, see Appendix | Estimated uninsured & uncollateralized deposits... | Ex-PPP... | Based on BUSE closing stock price on 10/23/23",
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