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Jun 30, 2021

Associated Bank Q2 2021 Earnings Report

Associated Banc-Corp reported second quarter net income with improving credit dynamics and growing net interest income.

Key Takeaways

Associated Banc-Corp reported a net income available to common equity of $86 million, or $0.56 per common share, for the quarter ended June 30, 2021. The results were driven by improving credit dynamics, growing net interest income and continued expense discipline.

Period-end loans (excluding PPP) were up $216 million, to $23.5 billion

Net interest income was up $4 million, to $180 million

Fee-based revenue was up $2 million, to $53 million

Provision for credit losses was negative $35 million, compared to negative $23 million

Total Revenue
$253M
Previous year: $444M
-43.1%
EPS
$0.56
Previous year: $0.26
+115.4%
Net Interest Margin
2.37%
Previous year: 2.49%
-4.8%
Gross Profit
$250M
Previous year: $441M
-43.2%
Cash and Equivalents
$1.77B
Previous year: $2.01B
-11.9%
Total Assets
$34.2B
Previous year: $35.5B
-3.8%

Associated Bank

Associated Bank

Forward Guidance

We continue to expect full-year commercial loan growth, excluding PPP, of 2% to 4% in 2021, driven by an expected 4% to 6% increase in CRE balances and an expected 1% to 2% increase in commercial and business lending outstandings.