Busey Bank

Busey Bank is headquartered in Champaign and is the 8^th largest bank in the state of Illinois. It is also the 226^th largest bank in the nation. It was established in 1946 and as of December of 2011, it had grown to 779 employees at 49 locations. Busey Bank has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Busey Bank FDIC Certificate # 16450 BankRate Report View Year Established 1946 Employees 779 Primary Regulator FDIC Assets and Liabilities Assets $3.35 billion Loans $1.99 billion Deposits $2.77 billion Equity Capital $412.43 million Loan Loss Allowance $58.51 million Unbacked Noncurrent Loans $36.42 million Real Estate Owned $6.38 million Historic Data - December 2010 Assets $3.59 billion Equity Capital $378.47 million Loan Loss Allowance $76.04 million Unbacked Noncurrent Loans $63.95 million Real Estate Owned $9.15 million Profit Margin - Quarterly Net Interest Margin 3.62% Return on Assets 0.87% Return on Equity 7.55% Interest Income $132.53 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Busey Bank had $42.8 million in non-current loans and owned real-estate with $470.93 million in equity and loan loss allowances on hand to cover it. This gives Busey Bank a Texas Ratio of 9.09% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Busey Bank decreased significantly from 16.54% as of December 31, 2010 to 9.09% as of December 31, 2011, resulting in a positive change of 45.05%.This indicates that the balance sheet and financial strength for Busey Bank has improved significantly in recent periods. Deposit Growth In the past year, Busey Bank has decreased its total deposits by -$230.02 million, resulting in -7.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Busey Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Busey Bank has $3.35 billion in assets with $470.93 million in equity, resulting in a capitalization level of 14.08%, which is excellent.

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