Company: ASB
Filing Date: 2025-07-29
Form Type: 10-Q
Source: 0000007789-25-000116
Chunk: 169

Company: ASSOCIATED BANC-CORP
Filing Date: 2025-07-29
Form: 10-Q
Item: Part I, Item 1
Chunk 169
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,417)Total consumer(5,744)(6,429)(2,636)(3,109)(3,202)(2,431)(2,947)Total net charge offs$(21,531)$(43,251)$(12,833)$(8,698)$(12,220)$(13,078)$(21,163)RatiosAllowance for credit losses on loans to total loans1.35 %1.34 %1.35 %1.33 %1.32 %Allowance for credit losses on loans to net charge offs (annualized)9.5x4.5x8.0x11.5x8.3x7.6x4.6xLoan evaluation method for ACLLIndividually evaluated for impairment$— $6,092 $5,689 $7,498 $16,882 Collectively evaluated for impairment411,791 400,532 396,632 390,043 372,738      Total ACLL$411,791 $406,624 $402,322 $397,541 $389,620 Loan balanceIndividually evaluated for impairment$21,431 $46,065 $37,172 $41,938 $70,763 Collectively evaluated for impairment30,586,174 30,248,062 29,731,414 29,948,958 29,547,508      Total loan balance$30,607,605 $30,294,127 $29,768,586 $29,990,897 $29,618,271 

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Table 12 Annualized Net (Charge Offs) Recoveries(a)YTDQuarter Ended(In basis points)Jun 30,2025Jun 30,2024Jun 30,2025Mar 31,2025Dec 31,2024Sep 30,2024Jun 30,2024Net loan (charge offs) recoveriesCommercial and industrial(12)(66)(7)(18)(9)(43)(55)Commercial real estate — owner occupied— — — — — — — Commercial and business lending(11)(60)(6)(16)(8)(39)(50)Commercial real estate — investor(34)(18)(61)(7)(51)— (37)Real estate construction2