Company: ASB
Filing Date: 2025-07-29
Form Type: 10-Q
Source: 0000007789-25-000116
Chunk: 2

Company: ASSOCIATED BANC-CORP
Filing Date: 2025-07-29
Form: 10-Q
Item: Part I, Item 2
Chunk 2
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,166 190,992 108,355 98,812 (164,490)85,143 112,698 Earnings (loss) per common share - basic 1.25 1.27 0.65 0.60 (1.04)0.56 0.75 Earnings (loss) per common share - diluted1.24 1.26 0.65 0.59 (1.03)0.56 0.74 Effective tax rate18.34 %3.59 %20.34 %16.03 %N/M18.61 %(12.33)%N/M = Not Meaningful

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Income Statement Analysis

Net Interest Income

Table 2 Net Interest Income Analysis Six Months Ended Jun 30, 20252024(a) (Dollars in thousands)AverageBalanceInterestIncome /ExpenseAverageYield /RateAverageBalanceInterestIncome /ExpenseAverageYield /RateAssetsEarning assetsLoans(b)(c)Commercial and industrial$10,783,368 $349,740 6.54%$9,822,806 $359,302 7.35%Commercial real estate—owner occupied1,127,535 32,214 5.76%1,090,935 32,979 6.08%Commercial and business lending11,910,904 381,954 6.46%10,913,741 392,281 7.23%Commercial real estate—investor5,499,334 178,658 6.55%5,002,956 181,099 7.28%Real estate construction1,884,065 67,829 7.26%2,316,911 91,954 7.98%Commercial real estate lending7,383,399 246,486 6.73%7,319,867 273,053 7.50%Total commercial19,294,303 628,440 6.57%18,233,608 665,334 7.34%Residential mortgage7,144,851 131,818 3.69%7,965,375 138,120 3.47%Auto finance2,889,190 80,332 5.61%2,448,914 67,624 5.55