Company: ASB
Filing Date: 2025-02-12
Form Type: 10-K
Source: 0000007789-25-000013
Chunk: 227

Company: ASSOCIATED BANC-CORP
Filing Date: 2025-02-12
Form: 10-K
Item: Item 7
Chunk 227
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911 Interest-bearing demand 12,678 27,085 39,763 1,464 117,503 118,968 Money market (18,989)23,123 4,134 (2,687)143,628 140,941 Network transaction deposits9,159 1,336 10,495 18,029 42,543 60,572 Time deposits118,838 33,444 152,282 143,015 52,908 195,923 Total interest-bearing deposits126,005 102,174 228,180 159,955 415,359 575,315 Federal funds purchased and securities sold under agreements to repurchase(2,883)2,399 (484)(428)9,187 8,759 Other short-term funding1,771 18,648 20,419 (1)— (2)FHLB advances(106,619)8,604 (98,015)32,485 88,564 121,049 Long-term funding9,745 (44)9,701 15,312 10,115 25,428 Total short and long-term funding(97,986)29,606 (68,380)47,368 107,865 155,233 Total interest-bearing liabilities28,019 131,781 159,800 207,323 523,225 730,548 Fully tax-equivalent net interest income$11,342 $(7,916)$3,426 $(51,615)$133,968 $82,352 

(a) The change in interest due to both rate and volume has been allocated in proportion to the relationship to the dollar amounts of the change in each. 

(b) The yield on tax-exempt loans and securities is computed on a fully tax-equivalent basis using a tax rate of 21% and is net of the effects of certain disallowed interest deductions.

Provision for Credit Losses

The provision for credit losses is predominantly a function of the Corporation’s reserving methodology and judgments as to other qualitative and quantitative factors used to determine the appropriate level of the ACLL, which focuses on changes in the size and character of the loan portfolio, changes in levels of individually evaluated and other nonaccrual loans, historical losses and delinquencies in each portfolio category, the risk inherent in specific loans, concentrations of loans to