Associated Banc-corp · NYSE:ASB

Associated Banc-corp — Q2 2016 Earnings Presentation

10 slides from Associated Banc-corp's earnings presentation, Jul 21, 2016

  1. Slide 1: Second Quarter 2016 Earnings Presentation

    SECOND QUARTER 2016 EARNINGS PRESENTATION JULY 21, 2016

  2. Slide 2: Forward-Looking Statements

    FORWARD-LOOKING STATEMENTS Important note regarding forward-looking statements: Statements made in this presentation which are not purely historical are forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. This includes any statements regarding management’s

  3. Slide 3: Second Quarter Update

    SECOND QUARTER UPDATE Net income available to common equity of $47 million, or $0.31 per common share 2 Enhanced Customer Experience  50% increase in mobile deposits from the year ago quarter  Record levels of ATM and mobile deposits  New presence in downtown Milwaukee and La Crosse Organic Balan

  4. Slide 4: Loan Portfolio Trends

    ($ in millions) $1.5 $1.4 $1.4 $1.4 $1.4 $5.4 $5.7 $5.8 $5.9 $6.1 $4.1 $4.3 $4.4 $4.5 $4.7 $7.2 $7.1 $6.9 $7.1 $7.5 2Q 2015 3Q 2015 4Q 2015 1Q 2016 2Q 2016 Commercial & Business Commercial Real Estate Residential Mortgage Home Equity & Other Consumer ($30) ($29) $2 $73 $116 $185 $192 $210 CRE Invest

  5. Slide 5: Credit Quality Trends

    CREDIT QUALITY TRENDS ($ IN MILLIONS) $140 $180 $178 $251 $281 $60 $84 $124 $150 $176 2Q 2015 3Q 2015 4Q 2015 1Q 2016 2Q 2016 Oil and Gas $149 $134 $158 $157 $154 $11 $13 $20 $129 $129 2Q 2015 3Q 2015 4Q 2015 1Q 2016 2Q 2016 Oil and Gas Potential Problem Loans Nonaccrual Loans $9 $8 $8 $4 $2 $13 $19

  6. Slide 6: Oil and Gas Lending Update

     Houston based  9 staff, including 2 in-house engineers  90 years of combined experience $26, 3.4% $29, 3.8% $42, 5.6% $49, 6.5% $42, 5.6% OIL AND GAS LENDING UPDATE  Spring redeterminations: Complete except for 3 credits; the reviews have largely resulted in borrowing base decreases  New busin

  7. Slide 7: Net Interest Income and Margin Trends

    Net Interest Margin 3.15% 3.13% 3.14% 3.16% 3.12% 2Q 2015 3Q 2015 4Q 2015 1Q 2016 2Q 2016 3.38% 3.38% 3.37% 3.41% 3.35% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% 4.50% $140 $144 $148 $153 $157 $161 $165 $169 $174 $178 2.83% 2.82% 2.82% 2.81% 2.81% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00

  8. Slide 8: Noninterest Income Trends

    $10 $7 $8 $4 $4 2Q 2015 3Q 2015 4Q 2015 1Q 2016 2Q 2016 NONINTEREST INCOME TRENDS ($ IN MILLIONS) Mortgage Banking (net) Income $66 $64 $63 $65 $67 2Q 2015 3Q 2015 4Q 2015 1Q 2016 2Q 2016 Fee-based Revenue 1 – Fee-based Revenue = A non-GAAP financial measure, is the sum of trust service fees, servic

  9. Slide 9: Noninterest Expense Trends

    $103 $101 $100 $101 $102 2Q 2015 3Q 2015 4Q 2015 1Q 2016 2Q 2016 Personnel $22 $21 $20 $20 $20 2Q 2015 3Q 2015 4Q 2015 1Q 2016 2Q 2016 NONINTEREST EXPENSE TRENDS ($ IN MILLIONS) Technology and Equipment 1 – FTE = Average full time equivalent employee Please refer to Noninterest Expense as presented

  10. Slide 10: 2016 Outlook

    2016 OUTLOOK 9  High single digit annual average loan growth  Maintain Loan to Deposit ratio under 100%  In the absence of Federal Reserve action to raise rates, NIM expected to be approximately flat  Approximately flat to prior year NONINTEREST EXPENSE  Approximately flat to prior year  Conti

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