Associated Reports First Quarter Earnings of $0.27 per share

         Associated Reports First Quarter Earnings of $0.27 per share  Record Commercial loan growth  PR Newswire  GREEN BAY, Wis., April 17, 2014  GREEN BAY, Wis., April 17, 2014 /PRNewswire/ --Associated Banc-Corp (NASDAQ: ASBC) today reported net income to common shareholders of $44 million, or $0.27 per common share, for the quarter ended March 31, 2014.  "We are pleased with our solid results this quarter and remain optimistic about our long-term prospects. This quarter's strong performance was driven by robust loan growth, particularly in our Commercial lines of business." said President and CEO Philip B. Flynn. "In this environment, we remain focused on our strategies to enhance efficiency and manage expenses. We will continue to look for opportunities to deploy capital which are consistent with our commitment of building long-term shareholder value at Associated."  HIGHLIGHTS    oAverage loans grew $416 million or 3% from the fourth quarter         oAverage total commercial loan balances grew a record $420 million, or          4% from the fourth quarter, and accounted for the majority of this          quarter's average loan growth    oNoninterest expenses of $168 million declined $12 million or 6% from the     fourth quarter   oNet interest income of $165 million increased $7 million or 5% from the     comparable year ago period         oNet interest income, net of interest recoveries, increased $1 million          from the fourth quarter    oPretax income of $66 million increased $4 million or 7% from the fourth     quarter   oCredit quality continued to improve with net charge offs, nonaccrual     loans, past due loans and potential problem loans all declining quarter     over quarter   oDuring the first quarter, the Company repurchased $39 million, or     approximately 2.3 million shares, of common stock at an average cost of     $17.20 per share   oReturn on Tier 1 common equity was 9.4% for the first quarter   oCapital ratios remain very strong with a Tier 1 common equity ratio of     11.20% at March 31, 2014  FIRST QUARTER 2014 FINANCIAL RESULTS  Loans  Average loans of $16.2 billion increased $416 million, or 3% from the fourth quarter, and have increased $716 million on average or 5%, from the year ago quarter. Record total commercial average loan growth of $420 million from the fourth quarter was attributed to increased line utilization, more origination activity, and fewer loan payoffs. Commercial and business lending average balances grew $249 million, or 4% on a linked-quarter basis. Commercial real estate lending average balances grew by $171 million, or 5% from the fourth quarter. Total average consumer loans were essentially flat compared to the prior quarter as the growth in residential mortgage average balances of $70 million was entirely offset by continued, but slower, run off in home equity and installment loan average balances of $73 million during the quarter.  Deposits  As anticipated, first quarter average deposits of $17.0 billion declined $891 million, or 5% compared to the fourth quarter and have declined $156 million, or 1%, from the year ago quarter. As part of the Company's previously announced funding strategy to reduce collateralized municipal deposits and replace them with lower cost, longer term FHLB borrowings, average money market balances declined $576 million or 7% from the fourth quarter. Seasonal outflows led average checking balances to decline $243 million or 3% from the fourth quarter. Average time deposits continued to decline during the quarter, and have declined $335 million or 17% from the year ago quarter.  Net Interest Income and Net Interest Margin  First quarter net interest income of $165 million was down $2 million from the fourth quarter. However, net interest income, net of interest recoveries, actually increased $1 million from the fourth quarter. In addition, the first quarter had approximately $2 million less interest income due to the day count difference between the quarters.  First quarter net interest margin was 3.12%, a decrease of 11 basis points from the 3.23% reported in the fourth quarter. Asset yields declined 14 basis points from the fourth quarter. The first quarter had $4 million less in interest recoveries compared to the fourth quarter which accounted for approximately 7 basis points of the decline, with the remainder coming from continued loan yield compression. Liability cost management actions reduced total funding costs to 31 basis points, and total interest-bearing deposit costs to 19 basis points, for the first quarter.  Noninterest Income and Expense  Noninterest income for the first quarter was $74 million, down $2 million or 3% from the fourth quarter and down $8 million or 10% from the year ago quarter. The decrease from the year ago quarter was driven by an $11 million decline in net mortgage banking income as refinancing activity has drastically slowed. Mortgage banking income decreased $2 million from the prior quarter related to a decline in the gain on sales of mortgage loans. First quarter asset gains and losses declined $2 million from the prior quarter, primarily related to fourth quarter real estate gains. Core fee-based revenue was relatively flat compared to the prior quarter, as increases in insurance and brokerage commissions were offset by declines in service charges, trust service fees and other non-deposit fees.   Total noninterest expense for the quarter ended March 31, 2014 was $168 million, down $12 million from the fourth quarter. With the decline in expenses, the efficiency ratio improved to 69% for the first quarter. Personnel expense declined $4 million from the fourth quarter as the Company continues to reduce full time equivalent employees. Business development and advertising expenses declined by $3 million from the previous quarter, primarily related to increased brand advertising during the fourth quarter. Legal and professional fees declined $2 million from the prior quarter related to lower consultant expenses.  Taxes  First quarter income taxes of $21 million were up $7 million from the prior quarter reflecting the recognition of a $6 million tax benefit in the fourth quarter related to a settlement of a tax issue and the expiration of various statutes of limitations. The effective tax rate for the first quarter was 31%.  Credit  The Company reported another quarter of improving credit quality with nonaccrual loans down 4%, to $178 million compared to the fourth quarter, and down 21% from a year ago. The ratio of nonaccrual loans to total loans now stands at 1.08%.  Net charge offs of $5 million for the first quarter were flat from the fourth quarter.  The first quarter provision for credit losses was $5 million, compared to $2 million in the fourth quarter. The Company's allowance for loan losses was $268 million, representing an allowance equal to 1.63% of loans and a coverage ratio of 151% of nonaccrual loans at March 31, 2014.  Capital Ratios  The Company's capital position remains very strong, with a Tier 1 common equity ratio of 11.20% at March 31, 2014. The Company's capital ratios continue to be well in excess of both current and proposed "well-capitalized" regulatory benchmarks.  FIRST QUARTER 2014 EARNINGS RELEASE CONFERENCE CALL  The Company will host a conference call for investors and analysts at 4:00 p.m. Central Time (CT) today, April 17, 2014. Interested parties can listen to the call live on the internet through the investor relations section of the company's website, https://www.associatedbank.com/investor or by dialing 877-445-2557. The slide presentation for the call will be available on the company's website just prior to the call. The number for international callers is 973-935-2959. Participants should ask the operator for the Associated Banc-Corp first quarter 2014 earnings call.  An audio archive of the webcast will be available on the company's website at https://www.associatedbank.com/investor.  ABOUT ASSOCIATED BANC-CORP  Associated Banc-Corp (NASDAQ: ASBC) has total assets of $25 billion and is one of the top 50, publicly traded, U.S. bank holding companies.Headquartered in Green Bay, Wis., Associated is a leading Midwest banking franchise, offering a full range of financial products and services in over 200 banking locations serving more than 100 communities throughout Wisconsin, Illinois and Minnesota, and commercial financial services in Indiana, Michigan, Missouri, Ohio and Texas. Associated Bank, N.A. is an Equal Housing Lender, Equal Opportunity Lender and Member FDIC. More information about Associated Banc-Corp is available at www.associatedbank.com.  FORWARD LOOKING STATEMENTS  Statements made in this document 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 plans, objectives, or goals for future operations, products or services, and forecasts of its revenues, earnings, or other measures of performance. Such forward-looking statements may be identified by the use of words such as "believe", "expect", "anticipate", "plan", "estimate", "should", "will", "intend", "outlook", or similar expressions. Forward-looking statements are based on current management expectations and, by their nature, are subject to risks and uncertainties. Actual results may differ materially from those contained in the forward-looking statements. Factors which may cause actual results to differ materially from those contained in such forward-looking statements include those identified in the Company's most recent Form 10-K and subsequent SEC filings. Such factors are incorporated herein by reference.  NON-GAAP FINANCIAL MEASURES  This press release contains references to measures which are not defined in generally accepted accounting principles ("GAAP"), including "efficiency ratio," "Tier 1 Common Equity", and "core fee-based revenue." Information concerning these non-GAAP financial measures can be found on page 3 of the attached tables.  Investor Contact: Brian Klaus, Senior Vice President, Director of Investor Relations 920-491-7059  Media Contact: Cliff Bowers, Senior Vice President, Director of Public Relations 920-491-7542     Associated Banc-Corp Consolidated Balance Sheets (Unaudited)                     March 31,  December   Seql Qtr  September  June 30,   March 31,  Comp Qtr                                31,                  30, (in thousands)      2014       2013       $ Change  2013       2013       2013       $ Change Assets Cash and due from   $ 526,951  $ 455,482  $ 71,469  $ 526,009  $ 422,779  $ 336,247  $ 190,704 banks Interest-bearing deposits in other financial          92,071     126,018    (33,947)  277,761    121,390    82,555     9,516 institutions Federal funds sold and securities purchased under agreements   4,400      20,745     (16,345)  25,400     10,800     8,600      (4,200) to resell Securities held to maturity, at        193,759    175,210    18,549    125,095    75,946     54,123     139,636 amortized cost Securities available for sale, 5,277,908  5,250,585  27,323    4,840,035  4,854,319  4,950,317  327,591 at fair value Federal Home Loan Bank and Federal  Reserve Bank     181,360    181,249    111       181,129    181,008    152,490    28,870 stocks, at cost Loans held for sale 46,529     64,738     (18,209)  102,052    203,576    173,389    (126,860) Loans               16,441,444 15,896,261 545,183   15,585,854 15,746,599 15,551,562 889,882 Allowance for loan  (267,916)  (268,315)  399       (271,724)  (277,218)  (286,923)  19,007 losses  Loans, net      16,173,528 15,627,946 545,582   15,314,130 15,469,381 15,264,639 908,889 Premises and        269,257    270,890    (1,633)   265,636    258,903    254,674    14,583 equipment, net Goodwill            929,168    929,168    -         929,168    929,168    929,168    - Other intangible    72,629     74,464     (1,835)   75,730     74,612     66,294     6,335 assets, net Trading assets      40,822     43,728     (2,906)   49,402     49,732     65,014     (24,192) Other assets        997,815    1,006,697  (8,882)   977,128    965,330    940,258    57,557  Total assets    $          $          $ 579,277 $          $          $          $                     24,806,197 24,226,920           23,688,675 23,616,944 23,277,768 1,528,429 Liabilities and Stockholders' Equity Noninterest-bearing $          $          $         $          $          $          $ 25,872 demand deposits     4,478,981  4,626,312  (147,331) 4,453,663  4,259,776  4,453,109 Interest-bearing    13,030,946 12,640,855 390,091   13,884,245 12,872,660 12,968,185 62,761 deposits  Total deposits  17,509,927 17,267,167 242,760   18,337,908 17,132,436 17,421,294 88,633 Federal funds purchased and securities sold under agreements   939,254    475,442    463,812   580,479    545,740    730,855    208,399 to repurchase Other short-term    308,652    265,484    43,168    1,046,401  2,218,760  1,038,697  (730,045) funding Long-term funding   2,932,040  3,087,267  (155,227) 614,568    614,822    915,063    2,016,977 Trading liabilities 43,450     46,470     (3,020)   52,430     52,598     70,236     (26,786) Accrued expenses and other           171,850    193,800    (21,950)  184,607    175,612    165,358    6,492 liabilities  Total           21,905,173 21,335,630 569,543   20,816,393 20,739,968 20,341,503 1,563,670 liabilities Stockholders' Equity  Preferred equity  61,158     61,862     (704)     62,737     63,272     63,272     (2,114)  Common stock      1,750      1,750      -         1,750      1,750      1,750      -  Surplus           1,623,323  1,617,990  5,333     1,614,516  1,610,243  1,605,966  17,357  Retained earnings 1,402,549  1,392,508  10,041    1,361,498  1,330,737  1,297,692  104,857  Accumulated other comprehensive  income (loss)    (11,577)   (24,244)   12,667    (37,120)   (25,015)   42,991     (54,568)  Treasury stock    (176,179)  (158,576)  (17,603)  (131,099)  (104,011)  (75,406)   (100,773)  Total stockholders'       2,901,024  2,891,290  9,734     2,872,282  2,876,976  2,936,265  (35,241) equity  Total liabilities and     $          $          $ 579,277 $          $          $          $ stockholders'       24,806,197 24,226,920           23,688,675 23,616,944 23,277,768 1,528,429 equity        Associated Banc-Corp Consolidated Statements of Income (Unaudited) - Quarterly Trend                                  Sequential Qtr                           Comparable Qtr (in thousands,                            %                                        % except per share 1Q14    4Q13    $ Change Change  3Q13    2Q13    1Q13    $ Change Change amounts) Interest Income Interest and     $       $       $        (3.7%)  $       $       $       $        (1.5%) fees on loans    143,387 148,884 (5,497)          146,219 146,896 145,527 (2,140) Interest and dividends on investment securities:  Taxable        26,257  24,316  1,941    8.0%    21,544  21,446  21,613  4,644    21.5%  Tax-exempt     6,971   6,884   87       1.3%    6,711   6,785   6,965   6        0.1% Other interest   1,449   1,453   (4)      (0.3%)  1,260   1,233   1,247   202      16.2%  Total        178,064 181,537 (3,473)  (1.9%)  175,734 176,360 175,352 2,712    1.5% interest income Interest Expense Interest on      6,159   7,340   (1,181)  (16.1%) 7,617   7,769   8,541   (2,382)  (27.9%) deposits Interest on Federal funds purchased and securities sold under       305     271     34       12.5%   308     333     410     (105)    (25.6%) agreements to repurchase Interest on other short-term 116     228     (112)    (49.1%) 434     525     332     (216)    (65.1%) funding Interest on long-term        6,511   6,499   12       0.2%    6,866   7,551   8,416   (1,905)  (22.6%) funding  Total        13,091  14,338  (1,247)  (8.7%)  15,225  16,178  17,699  (4,608)  (26.0%) interest expense Net Interest     164,973 167,199 (2,226)  (1.3%)  160,509 160,182 157,653 7,320    4.6% Income Provision for    5,000   2,300   2,700    117.4%  (800)   5,300   3,300   1,700    51.5% credit losses Net interest income after provision for credit losses    159,973 164,899 (4,926)  (3.0%)  161,309 154,882 154,353 5,620    3.6% Noninterest Income Trust service    11,711  11,938  (227)    (1.9%)  11,380  11,405  10,910  801      7.3% fees Service charges on deposit       16,400  17,330  (930)    (5.4%)  18,407  17,443  16,829  (429)    (2.5%) accounts Card-based and other nondeposit 12,509  12,684  (175)    (1.4%)  12,688  12,591  11,950  559      4.7% fees Insurance        12,317  11,274  1,043    9.3%    11,356  9,631   11,763  554      4.7% commissions Brokerage and annuity          4,033   3,881   152      3.9%    3,792   3,688   3,516   517      14.7% commissions  Total core fee-based        56,970  57,107  (137)    (0.2%)  57,623  54,758  54,968  2,002    3.6% revenue Mortgage         6,361   8,277   (1,916)  (23.1%) 3,542   19,263  17,765  (11,404) (64.2%) banking, net Capital market   2,322   2,771   (449)    (16.2%) 2,652   5,074   2,583   (261)    (10.1%) fees, net Bank owned life  4,320   2,787   1,533    55.0%   2,817   3,281   2,970   1,350    45.5% insurance income Asset gains      728     2,687   (1,959)  (72.9%) 1,934   (44)    836     (108)    (12.9%) (losses), net Investment securities gains 378     (18)    396      N/M     248     34      300     78       26.0% (losses), net Other            2,442   2,262   180      8.0%    2,100   1,944   2,578   (136)    (5.3%)  Total noninterest      73,521  75,873  (2,352)  (3.1%)  70,916  84,310  82,000  (8,479)  (10.3%) income Noninterest Expense Personnel        97,698  101,215 (3,517)  (3.5%)  98,102  99,791  97,907  (209)    (0.2%) expense Occupancy        15,560  14,684  876      6.0%    14,758  14,305  15,662  (102)    (0.7%) Equipment        6,276   6,509   (233)    (3.6%)  6,213   6,462   6,167   109      1.8% Technology       12,724  12,963  (239)    (1.8%)  12,323  12,651  11,508  1,216    10.6% Business development and  5,062   7,834   (2,772)  (35.4%) 5,947   5,028   4,537   525      11.6% advertising Other intangible 991     1,011   (20)     (2.0%)  1,010   1,011   1,011   (20)     (2.0%) amortization Loan expense     2,787   3,677   (890)    (24.2%) 3,157   3,044   3,284   (497)    (15.1%) Legal and professional     4,188   5,916   (1,728)  (29.2%) 3,482   5,483   5,345   (1,157)  (21.6%) fees Losses other     544     1,559   (1,015)  (65.1%) (600)   499     384     160      41.7% than loans Foreclosure/OREO 1,896   2,829   (933)    (33.0%) 2,515   2,302   2,422   (526)    (21.7%) expense FDIC expense     5,001   4,879   122      2.5%    4,755   4,395   5,432   (431)    (7.9%) Other            14,931  16,091  (1,160)  (7.2%)  13,509  13,725  13,956  975      7.0%  Total noninterest      167,658 179,167 (11,509) (6.4%)  165,171 168,696 167,615 43       0.0% expense Income before    65,836  61,605  4,231    6.9%    67,054  70,496  68,738  (2,902)  (4.2%) income taxes Income tax       20,637  13,847  6,790    49.0%   21,396  22,608  21,350  (713)    (3.3%) expense Net income       45,199  47,758  (2,559)  (5.4%)  45,658  47,888  47,388  (2,189)  (4.6%) Preferred stock  1,244   1,273   (29)     (2.3%)  1,285   1,300   1,300   (56)     (4.3%) dividends Net income       $       $       $                $       $       $       $ available to     43,955  46,485  (2,530)  (5.4%)  44,373  46,588  46,088  (2,133)  (4.6%) common equity Earnings Per Common Share:  Basic          $ 0.27  $ 0.28  $ (0.01) (3.6%)  $ 0.27  $ 0.28  $ 0.27  $ -      0.0%  Diluted        $ 0.27  $ 0.28  $ (0.01) (3.6%)  $ 0.27  $ 0.28  $ 0.27  $ -      0.0% Average Common Shares Outstanding:  Basic          161,467 162,611 (1,144)  (0.7%)  164,954 166,605 168,234 (6,767)  (4.0%)  Diluted        162,188 163,235 (1,047)  (0.6%)  165,443 166,748 168,404 (6,216)  (3.7%)  N/M = Not meaningful.      Associated Banc-Corp Selected Quarterly Information (in thousands, except per share, full time           1st Qtr     4th Qtr     3rd Qtr     2nd Qtr     1st Qtr equivalent employee 2014        2013        2013        2013        2013 data and otherwise noted) Per Common Share Data Dividends           $ 0.09      $ 0.09      $ 0.08      $ 0.08      $ 0.08 Market Value:  High              18.35       17.56       17.60       15.69       15.30  Low               15.58       15.34       15.29       13.81       13.46  Close             18.06       17.40       15.49       15.55       15.19 Book value          17.64       17.40       17.10       16.97       17.13 Tier 1 common       11.88       11.77       11.59       11.42       11.22 equity / share Tangible book value $ 11.80     $ 11.62     $ 11.37     $ 11.28     $ 11.51 / share Performance Ratios (annualized) Return on average   0.76%       0.80%       0.78%       0.82%       0.83% assets Return on average tangible common     9.45        9.87        9.48        9.76        9.81 equity Return on average Tier 1 common       9.38        9.78        9.31        9.94        10.07 equity (1) Effective tax rate  31.35       22.48       31.91       32.07       31.06 Dividend payout     33.33       32.14       29.63       28.57       29.63 ratio (3) Average Balances Common                                                              $ stockholders'       $ 2,826,933 $ 2,810,130 $ 2,799,885 $ 2,857,722 2,850,227 equity Average Tier 1      $ 1,899,535 $ 1,885,377 $ 1,890,398 $ 1,880,826 $ common equity (1)                                                   1,856,431 Selected Trend Information Average full time equivalent          4,517       4,584       4,699       4,790       4,841 employees Trust assets under management, at      $ 7,535     $ 7,424     $ 7,078     $ 6,894     $ 6,913 market value ($ in millions) Total revenue (4)   $ 243,150   $ 248,110   $ 236,373   $ 249,488   $ 244,743 Core fee-based      $ 56,970    $ 57,107    $ 57,623    $ 54,758    $ 54,968 revenue (5) Mortgage loans originated for sale $ 203,764   $ 326,648   $ 513,549   $ 782,398   $ 681,410 during period Mortgage portfolio serviced for others $ 8,084     $ 8,084     $ 8,014     $ 7,794     $ 7,585 ($ in millions) Mortgage servicing rights, net /       0.77%       0.78%       0.79%       0.79%       0.69% Portfolio serviced for others At Period End Loans / deposits    93.90%      92.06%      84.99%      91.91%      89.27% Risk weighted assets ($ in        $ 17,075    $ 16,694    $ 16,359    $ 16,479    $ 16,163 millions) (6) (7) Tier 1 common       $ 1,912,083 $ 1,913,320 $ 1,904,060 $ 1,893,875 $ equity (1)                                                          1,881,410 Stockholders'       11.69%      11.93%      12.13%      12.18%      12.61% equity / assets Tangible common equity / tangible   7.96%       8.11%       8.21%       8.25%       8.64% assets (8) Tangible equity /   8.22%       8.38%       8.49%       8.53%       8.92% tangible assets (8) Tier 1 common equity /            11.20%      11.46%      11.64%      11.49%      11.64% risk-weighted assets (6) (7) Tier 1 leverage     8.46%       8.70%       8.76%       8.73%       8.78% ratio (6) (7) Tier 1 risk-based capital ratio (6)   11.56%      11.83%      12.02%      11.88%      12.03% (7) Total risk-based capital ratio (6)   12.81%      13.09%      13.44%      13.29%      13.45% (7) Shares outstanding, 161,012     162,623     164,303     165,837     167,673 end of period Non-GAAP Financial Measures Reconciliation Efficiency ratio    70.41%      73.70%      71.45%      69.01%      70.03% (2) Taxable equivalent  (1.35)      (1.49)      (1.50)      (1.38)      (1.46) adjustment Asset gains         0.22        0.80        0.59        (0.01)      0.24 (losses), net Other intangible    (0.42)      (0.42)      (0.44)      (0.41)      (0.42) amortization Efficiency ratio, fully taxable       68.86%      72.59%      70.10%      67.21%      68.39% equivalent (2)  (1) Tier 1 common equity, a non-GAAP financial measure, is used by banking regulators, investors and analysts to assess and compare the quality and composition of our capital with the capital of other financial services companies. Management uses Tier 1 common equity, along with other capital measures, to assess and monitor our capital position. Tier 1 common equity (period end and average) is Tier 1 capital excluding qualifying perpetual preferred stock and qualifying trust preferred securities. (2) Efficiency ratio is defined by the Federal Reserve guidance as noninterest expense divided by the sum of net interest income plus noninterest income, excluding investment securities gains / losses, net. Efficiency ratio, fully taxable equivalent, is noninterest expense, excluding other intangible amortization, divided by the sum of taxable equivalent net interest income plus noninterest income, excluding investment securities gains / losses, net and asset gains / losses, net. This efficiency ratio is presented on a taxable equivalent basis, which adjusts net interest income for the tax-favored status of certain loans and investment securities. Management believes this measure to be the preferred industry measurement of net interest income as it enhances the comparability of net interest income arising from taxable and tax-exempt sources and it excludes certain specific revenue items (such as investment securities gains / losses, net and asset gains / losses, net). (3) Ratio is based upon basic earnings per common share. (4) Total revenue, a non-GAAP financial measure, is the sum of taxable equivalent net interest income, core fee-based revenues, and other noninterest income categories, as presented on Page 2 in the Consolidated Statements of Income and Page 6 in the Net Interest Income Analysis. (5) Core fee-based revenue, a non-GAAP financial measure, is the sum of trust service fees, service charges on deposit accounts, card-based and other nondeposit fees, insurance commissions, and brokerage and annuity commissions, as presented on Page 2 in the Consolidated Statements of Income. (6) March 31, 2014 data is estimated. (7) The Federal Reserve establishes capital adequacy requirements, including well-capitalized standards for the Corporation. The OCC establishes similar capital adequacy requirements and standards for the Bank. Regulatory capital primarily consists of Tier 1 risk-based capital and Tier 2 risk-based capital. The sum of Tier 1 risk-based capital and Tier 2 risk-based capital equals our total risk-based capital. Risk-based capital guidelines require a minimum level of capital as a percentage of risk-weighted assets. Risk-weighted assets consist of total assets plus certain off-balance sheet and market items, subject to adjustment for predefined credit risk factors. (8) Tangible equity, tangible common equity and tangible assets exclude goodwill and other intangible assets, which is a non-GAAP financial measure. These financial measures have been included as they are considered to be critical metrics with which to analyze and evaluate financial condition and capital strength.        Associated Banc-Corp Selected Asset                   Mar14 vs                             Mar14 vs Quality                          Dec13                                Mar13 Information (in thousands) Mar 31,  Dec 31,  % Change  Sep 30,  Jun 30,  Mar 31,  % Change                2014     2013               2013     2013     2013 Allowance for Loan Losses Beginning      $        $        (1.3%)    $        $        $        (9.8%) balance        268,315  271,724            277,218  286,923  297,409 Provision for  5,000    2,000    150.0%    -        4,000    4,000    25.0% loan losses Charge offs    (11,361) (18,742) (39.4%)   (20,288) (21,904) (27,128) (58.1%) Recoveries     5,962    13,333   (55.3%)   14,794   8,199    12,642   (52.8%) Net charge     (5,399)  (5,409)  (0.2%)    (5,494)  (13,705) (14,486) (62.7%) offs Ending balance $        $        (0.1%)    $        $        $        (6.6%)                267,916  268,315            271,724  277,218  286,923 Allowance for Unfunded Commitments Beginning      $ 21,900 $ 21,600 1.4%      $ 22,400 $ 21,100 $ 21,800 0.5% balance Provision for unfunded       -        300      N/M       (800)    1,300    (700)    N/M commitments Ending balance $ 21,900 $ 21,900 0.0%      $ 21,600 $ 22,400 $ 21,100 3.8% Allowance for  $        $        (0.1%)    $        $        $        (5.9%) credit losses  289,816  290,215            293,324  299,618  308,023 Net Charge                       Mar14 vs                             Mar14 vs Offs                             Dec13                                Mar13                Mar 31,  Dec 31,  % Change  Sep 30,  Jun 30,  Mar 31,  % Change                2014     2013               2013     2013     2013 Commercial and $ 2,725  $ 4,555  (40.2%)   $ (447)  $ 1,477  $ 696    291.5% industrial Commercial real estate -  (124)    967      (112.8%)  2,076    1,574    1,518    (108.2%) owner occupied Lease          -        (16)     N/M       -        16       (12)     N/M financing  Commercial and business   2,601    5,506    (52.8%)   1,629    3,067    2,202    18.1% lending Commercial real estate -  (1,031)  137      N/M       (414)    2,999    163      N/M investor Real estate    113      (3,130)  (103.6%)  (303)    (95)     1,392    (91.9%) construction  Commercial real estate    (918)    (2,993)  (69.3%)   (717)    2,904    1,555    (159.0%) lending  Total      1,683    2,513    (33.0%)   912      5,971    3,757    (55.2%) commercial Home equity revolving      1,182    966      22.4%     767      2,512    3,615    (67.3%) lines of credit Home equity loans 1st      406      372      9.1%      564      954      765      (46.9%) liens Home equity loans junior   859      1,111    (22.7%)   800      2,034    1,957    (56.1%) liens  Home equity  2,447    2,449    (0.1%)    2,131    5,500    6,337    (61.4%) Installment    113      (611)    (118.5%)  124      66       177      (36.2%) Residential    1,156    1,058    9.3%      2,327    2,168    4,215    (72.6%) mortgage  Total        3,716    2,896    28.3%     4,582    7,734    10,729   (65.4%) consumer  Total net charge     $ 5,399  $ 5,409  (0.2%)    $ 5,494  $ 13,705 $ 14,486 (62.7%) offs Net Charge Offs to        Mar 31,  Dec 31,            Sep 30,  Jun 30,  Mar 31, Average Loans  2014     2013               2013     2013     2013 (in basis points) * Commercial and 22       38                 (4)      13       6 industrial Commercial real estate -  (5)      34                 72       54       51 owner occupied Lease          -        (12)               -        12       (8) financing  Commercial and business   17       37                 11       21       16 lending Commercial real estate -  (14)     2                  (6)      41       2 investor Real estate    5        (145)              (15)     (5)      82 construction  Commercial real estate    (10)     (32)               (8)      31       18 lending  Total      7        10                 4        25       17 commercial Home equity revolving      55       44                 34       112      159 lines of credit Home equity loans 1st      23       19                 27       42       32 liens Home equity loans junior   171      205                140      336      303 liens  Home equity  55       52                 44       108      119 Installment    11       (59)               11       6        16 Residential    12       11                 25       24       47 mortgage  Total        25       19                 30       50       70 consumer  Total net charge     14       14                 14       35       38 offs Credit Quality                   Mar14 vs                             Mar14 vs                                  Dec13                                Mar13                Mar 31,  Dec 31,  % Change  Sep 30,  Jun 30,  Mar 31,  % Change                2014     2013               2013     2013     2013 Nonaccrual     $        $        (4.0%)    $        $        $        (21.1%) loans          177,978  185,428            207,594  217,493  225,436 Other real estate owned   19,173   18,118   5.8%      25,077   27,407   35,156   (45.5%) (OREO)  Total      $        $                  $        $        $ nonperforming  197,151  203,546  (3.1%)    232,671  244,900  260,592  (24.3%) assets Loans 90 or more days past $ 723    $ 2,350  (69.2%)   $ 2,063  $ 1,548  $ 5,690  (87.3%) due and still accruing Allowance for loan losses /  1.63%    1.69%              1.74%    1.76%    1.84% loans Allowance for loan losses /  150.53   144.70             130.89   127.46   127.27 nonaccrual loans Nonaccrual loans / total  1.08     1.17               1.33     1.38     1.45 loans Nonperforming assets / total 1.20     1.28               1.49     1.55     1.67 loans plus OREO Nonperforming assets / total 0.79     0.84               0.98     1.04     1.12 assets Net charge offs / average 0.14     0.14               0.14     0.35     0.38 loans (annualized) Year-to-date net charge     0.14     0.25               0.29     0.36     0.38 offs / average loans Nonaccrual loans by type: Commercial and $ 38,488 $ 37,719 2.0%      $ 36,105 $ 30,302 $ 33,242 15.8% industrial Commercial real estate -  26,735   29,664   (9.9%)    28,301   24,003   23,199   15.2% owner occupied Lease          172      69       149.3%    99       72       2,165    (92.1%) financing  Commercial and business   65,395   67,452   (3.0%)    64,505   54,377   58,606   11.6% lending Commercial real estate -  33,611   37,596   (10.6%)   49,841   60,780   56,776   (40.8%) investor Real estate    6,667    6,467    3.1%      18,670   21,419   22,166   (69.9%) construction  Commercial real estate    40,278   44,063   (8.6%)    68,511   82,199   78,942   (49.0%) lending  Total      105,673  111,515  (5.2%)    133,016  136,576  137,548  (23.2%) commercial Home equity revolving      10,356   11,883   (12.9%)   11,991   12,940   15,914   (34.9%) lines of credit Home equity loans 1st      5,341    6,135    (12.9%)   6,131    7,898    8,626    (38.1%) liens Home equity loans junior   6,788    7,149    (5.0%)    7,321    7,296    9,405    (27.8%) liens  Home equity  22,485   25,167   (10.7%)   25,443   28,134   33,945   (33.8%) Installment    915      1,114    (17.9%)   1,269    1,533    1,762    (48.1%) Residential    48,905   47,632   2.7%      47,866   51,250   52,181   (6.3%) mortgage  Total        72,305   73,913   (2.2%)    74,578   80,917   87,888   (17.7%) consumer  Total  $        $                  $        $        $ nonaccrual     177,978  185,428  (4.0%)    207,594  217,493  225,436  (21.1%) loans * Annualized. N/M = Not meaningful.        Associated Banc-Corp Selected Asset Quality                          Mar14 vs                             Mar14 vs Information                      Dec13                                Mar13 (continued) (in thousands) Mar 31,  Dec 31,  % Change  Sep 30,  Jun 30,  Mar 31,  % Change                2014     2013               2013     2013     2013 Restructured loans (accruing) Commercial and $ 27,776 $ 32,517 (14.6%)   $ 32,145 $ 30,970 $ 29,251 (5.0%) industrial Commercial real estate -  11,579   13,009   (11.0%)   14,425   14,336   12,888   (10.2%) owner occupied  Commercial and business   39,355   45,526   (13.6%)   46,570   45,306   42,139   (6.6%) lending Commercial real estate -  46,020   44,946   2.4%      35,073   37,299   41,253   11.6% investor Real estate    2,954    3,793    (22.1%)   4,825    5,365    5,540    (46.7%) construction  Commercial real estate    48,974   48,739   0.5%      39,898   42,664   46,793   4.7% lending  Total      88,329   94,265   (6.3%)    86,468   87,970   88,932   (0.7%) commercial Home equity revolving      1,178    1,117    5.5%      1,118    1,130    880      33.9% lines of credit Home equity loans 1st      1,656    1,436    15.3%     1,628    1,684    1,783    (7.1%) liens Home equity loans junior   6,738    7,080    (4.8%)    7,113    7,119    6,893    (2.2%) liens  Home equity  9,572    9,633    (0.6%)    9,859    9,933    9,556    0.2% Installment    225      246      (8.5%)    416      570      664      (66.1%) Residential    18,798   19,841   (5.3%)    20,300   20,593   20,941   (10.2%) mortgage  Total        28,595   29,720   (3.8%)    30,575   31,096   31,161   (8.2%) consumer  Total restructured   $        $        (5.7%)    $        $        $        (2.6%) loans          116,924  123,985            117,043  119,066  120,093 (accruing) Restructured loans in nonaccrual     $ 74,231 $ 59,585 24.6%     $ 69,311 $ 70,354 $ 67,811 9.5% loans (not included above) Loans Past Due                   Mar14 vs                             Mar14 vs 30-89 Days                       Dec13                                Mar13                Mar 31,  Dec 31,  % Change  Sep 30,  Jun 30,  Mar 31,  % Change                2014     2013               2013     2013     2013 Commercial and $ 4,126  $ 6,826  (39.6%)   $ 6,518  $ 8,516  $ 10,263 (59.8%) industrial Commercial real estate -  5,342    3,106    72.0%     8,505    8,105    6,804    (21.5%) owner occupied Lease          567      -        N/M       1,000    57       283      100.4% financing  Commercial and business   10,035   9,932    1.0%      16,023   16,678   17,350   (42.2%) lending Commercial real estate -  7,188    23,215   (69.0%)   21,747   18,269   25,201   (71.5%) investor Real estate    679      1,954    (65.3%)   820      797      2,287    (70.3%) construction  Commercial real estate    7,867    25,169   (68.7%)   22,567   19,066   27,488   (71.4%) lending  Total      17,902   35,101   (49.0%)   38,590   35,744   44,838   (60.1%) commercial Home equity revolving      5,344    6,728    (20.6%)   6,318    7,739    1,832    191.7% lines of credit Home equity loans 1st      1,469    1,110    32.3%     1,376    1,857    1,869    (21.4%) liens Home equity loans junior   3,006    2,842    5.8%      2,206    2,709    2,848    5.5% liens  Home equity  9,819    10,680   (8.1%)    9,900    12,305   6,549    49.9% Installment    1,269    1,150    10.3%     1,170    1,434    2,500    (49.2%) Residential    4,498    6,118    (26.5%)   6,722    9,920    8,793    (48.8%) mortgage  Total        15,586   17,948   (13.2%)   17,792   23,659   17,842   (12.6%) consumer  Total loans past due $ 33,488 $ 53,049 (36.9%)   $ 56,382 $ 59,403 $ 62,680 (46.6%) 30-89 days Potential                        Mar14 vs                             Mar14 vs Problem Loans                    Dec13                                Mar13                Mar 31,  Dec 31,  % Change  Sep 30,  Jun 30,  Mar 31,  % Change                2014     2013               2013     2013     2013 Commercial and $        $        (4.1%)    $        $        $        (14.4%) industrial     109,027  113,669            112,947  127,382  127,367 Commercial real estate -  64,785   56,789   14.1%     61,256   75,074   93,098   (30.4%) owner occupied Lease          3,065    1,784    71.8%     207      279      251      N/M financing  Commercial and business   176,877  172,242  2.7%      174,410  202,735  220,716  (19.9%) lending Commercial real estate -  34,790   52,429   (33.6%)   87,526   89,342   101,775  (65.8%) investor Real estate    4,870    5,263    (7.5%)    7,540    9,184    10,040   (51.5%) construction  Commercial real estate    39,660   57,692   (31.3%)   95,066   98,526   111,815  (64.5%) lending  Total      216,537  229,934  (5.8%)    269,476  301,261  332,531  (34.9%) commercial Home equity revolving      310      303      2.3%      170      308      450      (31.1%) lines of credit Home equity loans junior   741      1,810    (59.1%)   2,067    2,307    2,871    (74.2%) liens  Home equity  1,051    2,113    (50.3%)   2,237    2,615    3,321    (68.4%) Installment    -        50       (100.0%)  67       83       99       (100.0%) Residential    2,091    3,312    (36.9%)   5,342    5,917    7,882    (73.5%) mortgage  Total        3,142    5,475    (42.6%)   7,646    8,615    11,302   (72.2%) consumer  Total  $        $                  $        $        $ potential      219,679  235,409  (6.7%)    277,122  309,876  343,833  (36.1%) problem loans N/M = Not meaningful.        Associated Banc-Corp Net Interest Income Analysis - Taxable Equivalent Basis Sequential Quarter   Three months ended March 31,  Three months ended December                      2014                          31, 2013                      Average    Interest Average  Average   Interest Average (in thousands)       Balance    Income / Yield /  Balance   Income / Yield /                                  Expense Rate               Expense Rate Earning assets:  Loans: (1) (2) (3)  Commercial and $ 6,131,185 $ 51,681 3.42%    $          $ 51,498 3.47% business lending                                   5,882,438  Commercial     3,907,363   35,591   3.69     3,736,314  40,241   4.28 real estate lending  Total       10,038,548  87,272   3.52     9,618,752  91,739   3.79 commercial  Residential    3,926,734   32,664   3.33     3,856,944  32,201   3.34 mortgage  Retail         2,199,335   24,413   4.48     2,272,588  25,851   4.53  Total loans 16,164,617  144,349  3.61     15,748,284 149,791  3.78  Investment     5,450,066   36,922   2.71     5,188,616  35,331   2.72 securities  Other short-term           277,820     1,449    2.09     305,165    1,453    1.90 investments  Investments 5,727,886   38,371   2.68     5,493,781  36,784   2.68 and other Total earning assets 21,892,503  $        3.36     21,242,065 $        3.50                                  182,720                      186,575  Other assets, net 2,320,710                     2,316,660 Total assets         $                             $                      24,213,213                    23,558,725 Interest-bearing liabilities:  Savings deposits  $ 1,195,337 $ 220    0.07%    $          $ 248    0.08%                                                    1,200,338  Interest-bearing  2,796,247   823      0.12     2,852,090  1,047    0.15 demand deposits  Money market      7,173,106   2,825    0.16     7,748,650  3,399    0.17 deposits  Time deposits     1,659,277   2,291    0.56     1,727,138  2,646    0.61  Total interest-bearing     12,823,967  6,159    0.19     13,528,216 7,340    0.22 deposits  Federal funds purchased and securities sold under  agreements to     805,187     305      0.15     613,943    271      0.18 repurchase  Other short-term  328,516     116      0.14     726,551    228      0.12 funding  Long-term funding 3,004,520   6,511    0.87     1,266,464  6,499    2.05  Total short and long-term        4,138,223   6,932    0.67     2,606,958  6,998    1.07 funding Total interest-bearing     16,962,190  $ 13,091 0.31     16,135,174 $ 14,338 0.35 liabilities  Noninterest-bearing  4,166,305                     4,353,315 demand deposits  Other liabilities 195,950                       197,598  Stockholders'     2,888,768                     2,872,638 equity Total liabilities    $                             $ and stockholders'    24,213,213                    23,558,725 equity Net interest income              $        3.05%               $        3.15% and rate spread (1)              169,629                      172,237 Net interest margin                       3.12%                        3.23% (1) Taxable equivalent               $ 4,656                      $ 5,038 adjustment Net Interest Income Analysis - Taxable Equivalent Basis Comparable Quarter   Three months ended March 31,  Three months ended March                      2014                          31, 2013                      Average    Interest Average  Average   Interest Average (in thousands)       Balance    Income / Yield /  Balance   Income / Yield /                                  Expense Rate               Expense Rate Earning assets:  Loans: (1) (2) (3)  Commercial and $ 6,131,185 $ 51,681 3.42%    $          $ 50,712 3.66% business lending                                   5,615,036  Commercial     3,907,363   35,591   3.69     3,592,509  35,864   4.04 real estate lending  Total       10,038,548  87,272   3.52     9,207,545  86,576   3.81 commercial  Residential    3,926,734   32,664   3.33     3,622,455  30,481   3.37 mortgage  Retail         2,199,335   24,413   4.48     2,618,152  29,381   4.53  Total loans 16,164,617  144,349  3.61     15,448,152 146,438  3.83  Investment     5,450,066   36,922   2.71     4,891,714  32,757   2.68 securities  Other short-term           277,820     1,449    2.09     341,053    1,247    1.47 investments  Investments 5,727,886   38,371   2.68     5,232,767  34,004   2.60 and other Total earning assets 21,892,503  $        3.36     20,680,919 $        3.52                                  182,720                      180,442  Other assets, net 2,320,710                     2,357,789 Total assets         $                             $                      24,213,213                    23,038,708 Interest-bearing liabilities:  Savings deposits  $ 1,195,337 $ 220    0.07%    $          $ 208    0.07%                                                    1,141,781  Interest-bearing  2,796,247   823      0.12     2,779,929  1,179    0.17 demand deposits  Money market      7,173,106   2,825    0.16     7,044,344  3,615    0.21 deposits  Time deposits     1,659,277   2,291    0.56     1,994,406  3,539    0.72  Total interest-bearing     12,823,967  6,159    0.19     12,960,460 8,541    0.27 deposits  Federal funds purchased and securities sold under  agreements to     805,187     305      0.15     779,550    410      0.21 repurchase  Other short-term  328,516     116      0.14     1,018,553  332      0.13 funding  Long-term funding 3,004,520   6,511    0.87     960,820    8,416    3.51  Total short and long-term        4,138,223   6,932    0.67     2,758,923  9,158    1.33 funding Total interest-bearing     16,962,190  $ 13,091 0.31     15,719,383 $ 17,699 0.45 liabilities  Noninterest-bearing  4,166,305                     4,185,924 demand deposits  Other liabilities 195,950                       219,902  Stockholders'     2,888,768                     2,913,499 equity Total liabilities    $                             $ and stockholders'    24,213,213                    23,038,708 equity Net interest income              $        3.05%               $        3.07% and rate spread (1)              169,629                      162,743 Net interest margin                       3.12%                        3.17% (1) Taxable equivalent               $ 4,656                      $ 5,090 adjustment  (1) The yield on tax exempt loans and securities is computed on a taxable equivalent basis using a tax rate of 35% for all periods presented and is net of the effects of certain disallowed interest deductions. (2) Nonaccrual loans and loans held for sale have been included in the average balances. (3) Interest income includes net loan fees.        Associated Banc-Corp Financial Summary and Comparison Period End Loan                             Mar14                                      Mar14 vs Composition                                 vs                                          Mar13                                             Dec13                     Mar 31,     Dec 31,     %       Sep 30,     Jun 30,     Mar 31,     % Change                     2014        2013        Change  2013        2013        2013 Commercial and      $ 5,222,141 $ 4,822,680 8.3%    $ 4,703,056 $ 4,752,838 $ 4,651,143 12.3% industrial Commercial real estate - owner      1,098,089   1,114,715   (1.5%)  1,147,352   1,174,866   1,199,513   (8.5%) occupied Lease financing     52,500      55,483      (5.4%)  51,727      55,084      57,908      (9.3%)  Commercial and    6,372,730   5,992,878   6.3%    5,902,135   5,982,788   5,908,564   7.9% business lending Commercial real     3,001,219   2,939,456   2.1%    2,847,152   3,010,992   2,900,167   3.5% estate - investor Real estate         969,617     896,248     8.2%    834,744     800,569     729,145     33.0% construction  Commercial real   3,970,836   3,835,704   3.5%    3,681,896   3,811,561   3,629,312   9.4% estate lending  Total commercial  10,343,566  9,828,582   5.2%    9,584,031   9,794,349   9,537,876   8.4% Home equity revolving lines of  856,679     874,840     (2.1%)  875,703     888,162     904,187     (5.3%) credit Home equity loans   705,835     742,120     (4.9%)  794,912     863,779     940,017     (24.9%) 1st liens Home equity loans   199,488     208,054     (4.1%)  220,763     234,292     254,203     (21.5%) junior liens  Home equity       1,762,002   1,825,014   (3.5%)  1,891,378   1,986,233   2,098,407   (16.0%) Installment         393,321     407,074     (3.4%)  420,268     434,029     447,445     (12.1%) Residential         3,942,555   3,835,591   2.8%    3,690,177   3,531,988   3,467,834   13.7% mortgage  Total consumer  6,097,878   6,067,679   0.5%    6,001,823   5,952,250   6,013,686   1.4% Total loans         $           $           3.4%    $           $           $           5.7%                     16,441,444  15,896,261          15,585,854  15,746,599  15,551,562 Period End Deposit and Customer Funding     Mar14                                      Mar14 vs Composition                                 vs                                          Mar13                                             Dec13                     Mar 31,     Dec 31,     %       Sep 30,     Jun 30,     Mar 31,     % Change                     2014        2013        Change  2013        2013        2013 Noninterest-bearing $ 4,478,981 $ 4,626,312 (3.2%)  $ 4,453,663 $ 4,259,776 $ 4,453,109 0.6% demand Savings             1,252,669   1,159,512   8.0%    1,195,944   1,211,567   1,197,134   4.6% Interest-bearing    3,084,457   2,889,705   6.7%    2,735,529   2,802,277   2,966,934   4.0% demand Money market        7,069,173   6,906,442   2.4%    8,199,281   7,040,317   6,836,678   3.4% Brokered CDs        51,235      50,450      1.6%    56,024      59,206      49,919      2.6% Other time          1,573,412   1,634,746   (3.8%)  1,697,467   1,759,293   1,917,520   (17.9%)  Total deposits    17,509,927  17,267,167  1.4%    18,337,908  17,132,436  17,421,294  0.5% Customer repo       548,179     419,247     30.8%   515,555     489,700     617,038     (11.2%) sweeps Customer repo term  -           -           N/M     -           -           4,882       (100.0%)  Total customer    548,179     419,247     30.8%   515,555     489,700     621,920     (11.9%) funding  Total deposits              $                   $           $           $ and customer        $18,058,106 17,686,414  2.1%    18,853,463  17,622,136  18,043,214  0.1% funding Network transaction deposits included above in  interest-bearing demand and money    $ 2,141,976 $ 1,936,403 10.6%   $ 2,222,810 $ 2,135,306 $ 2,054,714 4.2% market Brokered CDs        51,235      50,450      1.6%    56,024      59,206      49,919      2.6%  Total network and brokered        2,193,211   1,986,853   10.4%   2,278,834   2,194,512   2,104,633   4.2% funding  Net customer    $           $                   $           $           $ deposits and        15,864,895  15,699,561  1.1%    16,574,629  15,427,624  15,938,581  (0.5%) funding (1) (1) Total deposits and customer funding excluding total network and brokered funding. Quarter Average Loan                        Mar14                                      Mar14 vs Composition                                 vs                                          Mar13                                             Dec13                     Mar 31,     Dec 31,     %       Sep 30,     Jun 30,     Mar 31,     % Change                     2014        2013        Change  2013        2013        2013 Commercial and      $ 4,983,943 $ 4,709,435 5.8%    $ 4,680,582 $ 4,635,892 $ 4,358,486 14.4% industrial Commercial real estate - owner      1,093,114   1,119,186   (2.3%)  1,142,919   1,169,124   1,196,912   (8.7%) occupied Lease financing     54,128      53,817      0.6%    53,244      55,400      59,638      (9.2%)  Commercial and    6,131,185   5,882,438   4.2%    5,876,745   5,860,416   5,615,036   9.2% business lending Commercial real     2,993,046   2,878,176   4.0%    2,940,115   2,951,524   2,899,930   3.2% estate - investor Real estate         914,317     858,138     6.5%    828,780     770,584     692,579     32.0% construction  Commercial real   3,907,363   3,736,314   4.6%    3,768,895   3,722,108   3,592,509   8.8% estate lending  Total commercial  10,038,548  9,618,752   4.4%    9,645,640   9,582,524   9,207,545   9.0% Home equity revolving lines of  868,614     876,938     (0.9%)  882,478     896,931     922,084     (5.8%) credit Home equity loans   724,995     767,857     (5.6%)  826,653     902,554     976,466     (25.8%) 1st liens Home equity loans   203,984     214,557     (4.9%)  227,021     242,796     262,193     (22.2%) junior liens  Home equity       1,797,593   1,859,352   (3.3%)  1,936,152   2,042,281   2,160,743   (16.8%) Installment         401,742     413,236     (2.8%)  428,114     441,260     457,409     (12.2%) Residential         3,926,734   3,856,944   1.8%    3,714,459   3,661,742   3,622,455   8.4% mortgage  Total consumer    6,126,069   6,129,532   (0.1%)  6,078,725   6,145,283   6,240,607   (1.8%) Total loans         $           $           2.6%    $           $           $           4.6%                     16,164,617  15,748,284          15,724,365  15,727,807  15,448,152 Quarter Average                             Mar14                                      Mar14 vs Deposit Composition                         vs                                          Mar13                                             Dec13                     Mar 31,     Dec 31,     %       Sep 30,     Jun 30,     Mar 31,     % Change                     2014        2013        Change  2013        2013        2013 Noninterest-bearing $ 4,166,305 $ 4,353,315 (4.3%)  $ 4,264,304 $ 4,191,704 $ 4,185,924 (0.5%) demand Savings             1,195,337   1,200,338   (0.4%)  1,204,743   1,207,959   1,141,781   4.7% Interest-bearing    2,796,247   2,852,090   (2.0%)  2,810,962   2,867,524   2,779,929   0.6% demand Money market        7,173,106   7,748,650   (7.4%)  7,556,050   6,930,554   7,044,344   1.8% Time deposits       1,659,277   1,727,138   (3.9%)  1,773,760   1,907,337   1,994,406   (16.8%)  Total deposits    $16,990,272 $17,881,531 (5.0%)  $17,609,819 $17,105,078 $17,146,384 (0.9%)  SOURCE Associated Banc-Corp  Website: http://www.associatedbank.com