First Busey Results Presentation Deck
2Q23 Earnings Investor Presentation
Special Note Concerning Forward-Looking Statements
First Busey Corporation | Ticker: BUSE
Statements made in this presentation, other than those concerning historical financial information, may be considered forward-looking statements within
the meaning of the Private Securities Litigation Reform Act of 1995 with respect to the financial condition, results of operations, plans, objectives, future
performance, and business of the First Busey Corporation (the "Company"). Forward-looking statements, which may be based upon beliefs,
expectations, and assumptions of the Company's management, and on information currently available to management, are generally identifiable by the
use of words such as "believe," "expect," "anticipate," "plan," "intend," "estimate," "may," "will," "would," "could," "should," or other similar expressions.
Additionally, all statements in this presentation, including forward-looking statements, speak only as of the date they are made, and the Company
undertakes no obligation to update any statement in light of new information or future events. A number of factors, many of which are beyond the
Company's ability to control or predict, could cause actual results to differ materially from those in the Company's forward-looking statements. These
factors include, among others, the following: (i) the strength of the local, state, national, and international economy (including effects of inflationary
pressures and supply chain constraints); (ii) the economic impact of any future terrorist threats or attacks, widespread disease or pandemics (including
the Coronavirus Disease 2019 pandemic), or other adverse external events that could cause economic deterioration or instability in credit markets
(including Russia's invasion of Ukraine); (iii) changes in state and federal laws, regulations, and governmental policies concerning the Company's general
business (including changes in response to the recent failures of other banks); (iv) changes in accounting policies and practices; (v) changes in interest
rates and prepayment rates of the Company's assets (including the impact of the London Interbank Offered Rate phase-out); (vi) increased competition
in the financial services sector (including from non-bank competitors such as credit unions and fintech companies) and the inability to attract new
customers; (vii) changes in technology and the ability to develop and maintain secure and reliable electronic systems; (viii) the loss of key executives or
associates; (ix) changes in consumer spending; (x) unexpected results of current and/or future acquisitions, which may include failure to realize the
anticipated benefits of any acquisition and the possibility that transaction costs may be greater than anticipated; (xi) unexpected outcomes of existing or
new litigation involving the Company; (xii) fluctuations in the value of securities held in our securities portfolio; (xiii) concentrations within our loan
portfolio, large loans to certain borrowers, and large deposits from certain clients; (xiv) the concentration of large deposits from certain clients who have
balances above current FDIC insurance limits and may withdraw deposits to diversify their exposure; (xv) the level of non-performing assets on our
balance sheets; (xvi) interruptions involving our information technology and communications systems or third-party servicers; (xvii) breaches or failures
of our information security controls or cybersecurity-related incidents; and (xviii) the economic impact of exceptional weather occurrences such as
tornadoes, hurricanes, floods, blizzards, and droughts These risks and uncertainties should be considered in evaluating forward-looking statements and
undue reliance should not be placed on such statements. Additional information concerning the Company and its business, including additional factors
that could materially affect its financial results, is included in the Company's filings with the Securities and Exchange Commission.
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