Company: ASB
Filing Date: 2025-02-12
Form Type: 10-K
Source: 0000007789-25-000013
Chunk: 49

Company: ASSOCIATED BANC-CORP
Filing Date: 2025-02-12
Form: 10-K
Item: Item 8
Chunk 49
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$62,022 $9,731,555 Commercial real estate - owner occupied1,059,948 — 358 — 1,394 1,061,700 Commercial and business lending10,723,536 5,374 549 380 63,416 10,793,255 Commercial real estate - investor5,086,117 — 18,697 19,432 — 5,124,245 Real estate construction2,271,392 — — — 6 2,271,398 Commercial real estate lending7,357,509 — 18,697 19,432 6 7,395,644 Total commercial18,081,044 5,374 19,246 19,812 63,422 18,188,898 Residential mortgage7,780,304 13,294 152 — 71,142 7,864,891 Auto finance2,232,906 14,712 2,674 73 5,797 2,256,162 Home equity615,810 3,500 708 — 8,508 628,526 Other consumer273,644 1,233 932 1,803 128 277,740 Total consumer10,902,664 32,739 4,467 1,876 85,574 11,027,319 Total loans$28,983,708 $38,113 $23,712 $21,689 $148,997 $29,216,218 (a) Of the total nonaccrual loans, $80 million, or 53%, were current with respect to payment at December 31, 2023.(b) No interest income was recognized on nonaccrual loans for the year ended December 31, 2023. In addition, there were $23 million of nonaccrual loans for which there was no related ACLL at December 31, 2023.

106

Loan Modifications and Troubled Debt RestructuringsThe following tables show the composition of loan modifications made to borrowers experiencing financial difficulty by the loan portfolio and type of concessions granted. Each of the types of concessions granted comprised less than 1% of their respective classes of loan portfolios at both December 31, 2024 and December 31, 2023.Interest Rate Con