Company: ASB
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000007789-25-000179
Chunk: 29

Company: ASSOCIATED BANC-CORP
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 2
Chunk 29
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)(1,336)(1,881)(2,076)(1,457)(1,414)Total consumer(8,759)(8,860)(3,015)(2,636)(3,109)(3,202)(2,431)Total net charge offs$(34,704)$(56,329)$(13,173)$(12,833)$(8,698)$(12,220)$(13,078)RatiosAllowance for credit losses on loans to total loans1.34 %1.35 %1.34 %1.35 %1.33 %Allowance for credit losses on loans to net charge offs(a)8.9x5.3x7.9x8.0x11.5x8.3x7.6xLoan evaluation method for ACLLIndividually evaluated for impairment$4,518 $— $6,092 $5,689 $7,498 Collectively evaluated for impairment410,100 411,791 400,532 396,632 390,043      Total ACLL$414,618 $411,791 $406,624 $402,322 $397,541 Loan balanceIndividually evaluated for impairment$19,282 $21,431 $46,065 $37,172 $41,938 Collectively evaluated for impairment30,932,683 30,586,174 30,248,062 29,731,414 29,948,958      Total loan balance$30,951,964 $30,607,605 $30,294,127 $29,768,586 $29,990,897 

(a) This ratio is annualized.

66

Table 12 Annualized Net (Charge Offs) Recoveries to Average LoansYTDQuarter Ended(In basis points)Sep 30,2025Sep 30,2024Sep 30,2025Jun 30,2025Mar 31,2025Dec 31,2024Sep 30,2024Net loan (charge offs) recoveriesCommercial and industrial(9)(58)(4)(7)(18)(9)(43)Commercial real estate — owner occupied— — — — — — — Commercial and business lending(9)(52)(4)(6)(16)(8)(39)Commercial