FIRST BUSEY CORP /NV/
For the period ended Jun 30, 2025. Filed Aug 5, 2025.
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Jun 30, 2025 · Filed Aug 5, 2025
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Capital Resources
Busey’s capital ratios are in excess of those required to be considered “well-capitalized” pursuant to applicable regulatory guidelines. The Federal Reserve uses capital adequacy guidelines in its examination and regulation of bank holding companies and their subsidiary banks. Risk-based capital ratios are established by allocating assets and certain off-balance-sheet commitments into risk-weighted categories. These balances are then multiplied by the factor appropriate for that risk-weighted category. In order to refrain from restrictions on dividends, equity repurchases, and discretionary bonus payments, banking institutions must maintain capital in excess of regulatory minimum capital requirements. The table below presents minimum capital ratios that include the capital conservation buffer in comparison to the capital ratios for First Busey and its subsidiary bank as of June 30, 2025:
| Minimum Capital Requirements withCapital Buffer · As of June 30, 2025 | |||
|---|---|---|---|
| FirstBusey · BuseyBank | |||
| Common Equity Tier 1 Capital to Risk Weighted Assets | 7.00% | 12.22% | 13.62% |
| Tier 1 Capital to Risk Weighted Assets | 8.50% | 13.66% | 13.62% |
| Total Capital to Risk Weighted Assets | 10.50% | 15.75% | 14.53% |
| Leverage Ratio of Tier 1 Capital to Average Assets | 6.50% | 11.26% | 11.22% |
For further discussion of capital resources and requirements, see“Note 8: Regulatory Capital.”
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