Associated Banc-corp · NYSE:ASB
Associated Banc-corp — Q1 2013 Earnings Presentation
8 slides from Associated Banc-corp's earnings presentation, Apr 18, 2013
Slide 1: Associated Banc-Corp 1Q 2013 Earnings Presentation
EXHIBIT 99.2 Associated Banc-Corp 1Q 2013 Earnings Presentation April 18, 2013
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
Slide 3: First Quarter 2013 Highlights
First Quarter 2013 Highlights Solid Results Driven by Fundamental Strength in Core Businesses Net Income • Net income available to common shareholders of $46 million or $0.27 per share & ROT1CE • Return on Tier 1 common equity of 10.1%, compared to 9.2% for Q1 2012 • Average loans of $15.4 billion w
Slide 4: Loan Portfolio Growth and Composition
Loan Portfolio Growth and Composition Average Loans of $15.4 billion for First Quarter 2013 Average Quarterly Loans ($ in billions) 1Q 2013 Average Net Loan Growth of $317 million ($ balances in millions) Loan Mix – 1Q 2013 (Average) 3
Slide 5: Managing the Cost of Funds & Margin
Managing the Cost of Funds & Margin Yield on Interest-earning Assets Average Deposits ($ balances in billions) Cost of Interest-bearing Liabilities Net Interest Margin 4
Slide 6: Continued Improvement in Credit Quality Indicators
Continued Improvement in Credit Quality Indicators ($ in millions) 1Q 2012 2Q 2012 3Q 2012 4Q 2012 1Q 2013 Potential problem loans $ 480 $ 410 $ 404 $ 361 $ 344 Nonaccruals $ 327 $ 318 $ 278 $ 253 $ 225 Provision for loan losses $ 0 $ 0 $ 0 $ 3 $ 4 Net charge offs $ 22 $ 24 $ 18 $ 21 $ 14 ALLL/Total
Slide 7: Strong Capital Profile & Improving Earnings
Strong Capital Profile & Improving Earnings Tier 1 Common Equity Ratio Net Income Available to Common & ROT1CE Net Income Available Return on Tier 1 to Common Common Equity ($ in millions) • Current capital levels are well in excess of “well-capitalized” regulatory benchmarks – Existing capital leve
Slide 8: 2013 Full Year Outlook
2013 Full Year Outlook Growing the Franchise & Creating Long-Term Shareholder Value • Flat year-over-year Loan Growth • High single digit FY loan growth Expenses • Reduced regulatory costs offset by continued franchise investments • Continued disciplined deposit • Continuing to invest in our pricing