Company: ASB
Filing Date: 2025-07-29
Form Type: 10-Q
Source: 0000007789-25-000116
Chunk: 97

Company: ASSOCIATED BANC-CORP
Filing Date: 2025-07-29
Form: 10-Q
Item: Part I, Item 1
Chunk 97
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 $8,510 $22,959 $3 $— $47,517 Commercial real estate-owner occupied— — — — — — 3 3 Commercial and business lending4,433 128 11,484 8,510 22,959 3 3 47,520 Commercial real estate-investor— 6,617 1 — 4,569 — — 11,187 Real estate construction— — — — — — — — Commercial real estate lending— 6,617 1 — 4,569 — — 11,187 Total commercial4,433 6,745 11,485 8,510 27,528 3 3 58,707 Residential mortgage— — 134 125 101 153 515 1,029 Auto finance— 418 2,982 5,582 560 — — 9,541 Home equity93 — — 9 19 10 85 216 Other consumer6,555 20 96 75 75 42 59 6,922 Total consumer6,649 438 3,212 5,790 755 205 659 17,709 Total gross charge offs$11,082 $7,183 $14,697 $14,300 $28,283 $209 $662 $76,415 

Factors that are important to managing overall credit quality are sound loan underwriting and administration, systematic monitoring of existing loans and commitments, effective loan review on an ongoing basis, early identification of potential problems, and appropriate policies for ACLL, nonaccrual loans, and charge offs.

For commercial loans, management has determined the pass credit quality indicator to include credits exhibiting acceptable financial statements, cash flow, and leverage. If any risk exists, it is mitigated by the loan structure, collateral, monitoring, or control. For consumer loans, performing loans include credits performing in accordance with the original contractual terms. 

Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Special mention credits have potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the credit or in the credit