Company: ASB
Filing Date: 2025-02-12
Form Type: 10-K
Source: 0000007789-25-000013
Chunk: 265

Company: ASSOCIATED BANC-CORP
Filing Date: 2025-02-12
Form: 10-K
Item: Item 7
Chunk 265
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Table 21 Capital Ratios  As of December 31,($ in thousands)202420232022Risk-based capital(a)CET1$3,396,836 $3,074,938 $3,035,578 Tier 1 capital3,590,948 3,269,050 3,229,690 Total capital4,282,597 3,997,205 3,680,227 Total risk-weighted assets33,950,173 32,732,710 32,469,862 Modified CECL transitional amount22,425 44,851 67,276 CET1 capital ratio10.01 %9.39 %9.35 %Tier 1 capital ratio 10.58 %9.99 %9.95 %Total capital ratio12.61 %12.21 %11.33 %Tier 1 leverage ratio8.73 %8.06 %8.59 %Selected equity and performance ratiosTotal stockholders’ equity / total assets10.70 %10.18 %10.19 %Dividend payout ratio(b)121.92 %74.56 %34.32 %Return on average assets0.30 %0.45 %1.00 %Noninterest expense / average assets1.98 %2.00 %2.04 %

(a)The Federal Reserve establishes regulatory capital requirements, including well-capitalized standards for the Corporation. The Corporation follows Basel III, subject to certain transition provisions. These regulatory capital measurements are used by management, regulators, investors, and analysts to assess, monitor, and compare the quality and composition of the Corporation's capital with the capital of other financial services companies.

(b) Ratio is based upon basic earnings per common share.

See Item 5, Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities, for information on the shares repurchased during the fourth quarter of 2024.

See Note 9 Stockholders' Equity and Note 18 Regulatory Matters of the notes to consolidated financial statements for additional capital disclosures. 

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Table 22 Non-GAAP Measures At or for the Year Ended December 31,($ in thousands)20242023202220212020Selected equity and performance ratios(a)(b)(c)Tangible common equity / tangible assets7.82 %7.11 %6