Associated Banc-Corp http://www.alacrastore.com/company-snapshot/Associated_Banc_Corp-1001285 Wednesday, October 08, 2008 4:49:32 AM 1001285 Associated Banc-Corp en AlacraStore RSS Builder 1.0 30 http://www.alacrastore.com/storecontent/newstex/BW-0001-28572432newstex/BW-0001-28572432xml Oct. #, #### (Business Wire) -- Associated Banc-Corp (NASDAQ: ASBC) will host a conference call for investors and analysts at # p.m. Central Time (CT) Thursday, Oct. ##, following the release of the companya€™s third quarter earnings...040000000400600004016000040160480401601810/6/2008 3:20:53 PM180000001800400018008000Business WireBW-0001-28572432ASSOCIATED BANC-CORPASBCNewsNewstexhttp://www.alacrastore.com/storecontent/spcred/544506spcred/544506normThe latest Summary from S&Pglobal9/13/2008 1:02:23 PM175Summary544506United StatesRegional BanksUnited StatesGlobal IssuersFinancial InstitutionsSummaryThe ratings on Associated Banc Corp. (ASBC) reflect the company's robust and consistent operating performance supported by M&A activity, strong cost discipline, reasonably stable asset quality through the previous credit cycle, and good market presence in select Wisconsin markets. The company's weaker funding profile compared with that of its peers is improving, with initiatives to reduce wholesale dependence. Offsetting these factors are the relatively high exposure to residential and commercial real estate (CRE) and regional concentration. Adjusted capital ratios have been under pressure from acquisitions made and the resulting goodwill, although capital remains appropriate for the asset mix and ratings level. ASBC has enjoyed strong, consistent operating performance in the past five years, in line with more highly rated financialUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCSUMMARYGLOBISSFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/544501spcred/544501normThe latest Full Report from S&Pglobalpubfin9/13/2008 1:02:22 PM400Full Report544501United StatesRegional BanksUnited StatesGlobal IssuersPublic FinanceFinancial InstitutionsFull ReportRobust and consistent operating performance in line with more highly rated institutions Low-cost producer Relatively high exposure to residential and commercial real estate Regional concentration The ratings on Associated Banc Corp. (ASBC) reflect the company's robust and consistent operating performance supported by M&A activity, strong cost discipline, reasonably stable asset quality through the previous credit cycle, and good market presence in select Wisconsin markets. The company's weaker funding profile compared with that of its peers is improving, with initiatives to reduce wholesale dependence. Offsetting these factors are the relatively high exposure to residential and commercial real estate (CRE) and regional concentration. Adjusted capital ratios have been under pressure from acquisitions made and the resulting goodwill, although capital remains appropriate forUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCFULLUSA0454X000209E40101015 401010 4010 4040101010 401010 4010 40Associated Bank Illinois N.A.ASBC Capital IASBC Capital IIASBC Capital IIIAssociated Bank Minnesota N.A.Associated Bank N.A.338880362212362761362762364787112082USA8788ZASBC128365Z7457ZGLOBISSPUBFINFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/515385spcred/515385normThe latest Summary from S&Pglobal9/13/2008 1:02:19 PM175Summary515385United StatesRegional BanksUnited StatesGlobal IssuersFinancial InstitutionsSummaryThe ratings on Associated Banc Corp. (ASBC) reflect robust and consistent operating performance supported by M&A activity, strong cost discipline, reasonably stable asset quality through the past credit cycle, and important market presence in select Wisconsin markets. Offsetting these factors are relatively high exposure to commercial real estate (CRE) lending (although not out of line with peers), and regional concentration. Also, ASBC's adjusted capital ratios have been under pressure from acquisitions made and the resulting goodwill, although capital remains appropriate for the asset mix and ratings level. Funding, although slightly weak relative to some peers, is improving with initiatives to reduce wholesale dependence. The company has enjoyed strong, consistent operating performance in the past five years, supported by its acquisitionUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCSUMMARYGLOBISSFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/515381spcred/515381normThe latest Full Report from S&Pglobalpubfin9/13/2008 1:02:19 PM400Full Report515381United StatesRegional BanksUnited StatesGlobal IssuersPublic FinanceFinancial InstitutionsFull ReportRobust and consistent operating performance in line with more highly-rated institutions; Low-cost producer. Significant (albeit comparable in size to peers) commercial real estate loan portfolio; Regional concentration. The ratings on Associated Banc Corp. (ASBC) reflect robust and consistent operating performance supported by M&A activity, strong cost discipline, reasonably stable asset quality through the past credit cycle, and important market presence in select Wisconsin markets. Offsetting these factors are relatively high exposure to commercial real estate (CRE) lending (although not out of line with peers), and regional concentration. Also, ASBC's adjusted capital ratios have been under pressure from acquisitions made and the resulting goodwill, although capital remains appropriate for the asset mix and ratings level. Funding, although slightly weak relative toUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCFULLUSA00209E0454X040101010 401010 4010 4040101015 401010 4010 40Associated Bank N.A.Associated Bank Illinois N.A.ASBC Capital IASBC Capital IIASBC Capital IIIAssociated Bank Minnesota N.A.112082338880362212362761362762364787USA7457Z8788ZASBC128365ZGLOBISSPUBFINFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/459101spcred/459101normThe latest Summary from S&Pglobal9/13/2008 1:02:15 PM175Summary459101United StatesRegional BanksUnited StatesGlobal IssuersFinancial InstitutionsSummaryThe ratings on Associated Banc Corp. (ASBC) and its primary bank subsidiaries reflect their stable operating performance supported in part by M&A activity and strong market presence in select Wisconsin markets. Offsetting these factors are C&I and commercial real estate (CRE) single-name loan concentration issues, regional concentration, and wholesale funding dependence. Also, ASBC's adjusted capital ratios have been under pressure due to acquisitions and the associated goodwill amounts, although capital remains appropriate for the asset mix and ratings level. ASBC has enjoyed a relatively stable and consistent operating performance in the past five years. Despite challenges associated with growing revenues, excluding acquisitions, the company has had reasonable success in replacing lower mortgage banking revenues with strengthening C&I loan utilization andUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCSUMMARYGLOBISSFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/459098spcred/459098normThe latest Full Report from S&Pglobalpubfin9/13/2008 1:02:15 PM400Full Report459098United StatesRegional BanksUnited StatesGlobal IssuersPublic FinanceFinancial InstitutionsFull ReportConsistent financial performance Satisfactory asset quality with improving trends Sizable commercial real estate loan portfolio Regional concentration The ratings on Associated Banc Corp. (ASBC) and its primary bank subsidiaries reflect their stable operating performance supported in part by M&A activity and strong market presence in select Wisconsin markets. Offsetting these factors are C&I and commercial real estate (CRE) single-name loan concentration issues, regional concentration, and wholesale funding dependence. Also, ASBC's adjusted capital ratios have been under pressure due to acquisitions and the associated goodwill amounts, although capital remains appropriate for the asset mix and ratings level. ASBC has enjoyed a relatively stable and consistent operating performance in the past five years. Despite challenges associated with growing revenues, excluding acquisitions, theUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCFULLUSA0454X000209E40101010 401010 4010 4040101015 401010 4010 40Associated Bank N.A.Associated Bank Illinois N.A.ASBC Capital IASBC Capital IIASBC Capital IIIAssociated Bank Minnesota N.A.112082338880362212362761362762364787USA7457Z8788ZASBC128365ZGLOBISSPUBFINFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/387964spcred/387964normThe latest Summary from S&Pglobal9/13/2008 1:02:10 PM175Summary387964United StatesRegional BanksUnited StatesGlobal IssuersFinancial InstitutionsSummaryThe ratings on Associated Banc Corp. (ASBC) and its primary bank subsidiaries reflect their stable operating performance supported in part by acquisitions and strong market presence in selected Wisconsin markets. Offsetting these factors is large exposure to inherently risky commercial real estate as well as regional concentration. Although credit quality, as measured by the nonperforming loans ratio, is slightly higher than the peer group average as a result of softer economies in the upper midwestern U.S. markets (characterized by a prevalent manufacturing sector) where most of ASBC's commercial credit problems have originated, in general it has remained reasonable given the risk profile. Nevertheless, ASBC's exposure to commercial real estate (CRE) including construction lending is significant relative to some peers; theUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCSUMMARYGLOBISSFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/388724spcred/388724normThe latest Full Report from S&Ppubfinglobal9/13/2008 1:02:10 PM400Full Report388724United StatesRegional BanksUnited StatesGlobal IssuersPublic FinanceFinancial InstitutionsFull ReportConsistent financial performance Stabilizing credit quality Sizable commercial real estate loan portfolio Regional concentration The ratings on Associated Banc Corp. (ASBC) and its primary bank subsidiaries reflect their stable operating performance supported in part by acquisitions and strong market presence in selected Wisconsin markets. Offsetting these factors is large exposure to inherently risky commercial real estate as well as regional concentration. Although credit quality, as measured by the nonperforming loans ratio, is slightly higher than the peer group average as a result of softer economies in the upper midwestern U.S. markets (characterized by a prevalent manufacturing sector) where most of ASBC's commercial credit problems have originated, in general it has remained reasonable given the risk profile. Nevertheless, ASBC's exposure toUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCFULLUSA00209E0454X040101010 401010 4010 4040101015 401010 4010 40Associated Bank N.A.Associated Bank Illinois N.A.Associated Bank Minnesota N.A.ASBC Capital IASBC Capital IIASBC Capital III112082338880364787362212362761362762USA7457Z8788Z128365ZASBCGLOBISSPUBFINFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/372015spcred/372015normThe latest News from S&Pglobal9/13/2008 1:02:09 PM100News372015United StatesRegional BanksUnited StatesGlobal IssuersFinancial InstitutionsNewsNEW YORK (Standard&Poor's) April 29, 2004--Standard&Poor's Ratings Services today said its credit ratings on Associated Banc Corp. (BBB+/Stable/A-2) remain unchanged after the company's announcement to acquire First Federal Capital Corp. (definitive agreement) for a consideration of $613 million (10% cash and 90% stock). The in-market transaction will enhance Associated's branch distribution network and augment its retail banking scale but will not alleviate regional concentration. Also, the transaction is not expected to lessen Associated's significant commercial real estate concentration, which is considered a factor in the rating. The company's capital position is expected to remain strong. First Federal located in La Crosse, Wis., has $3.7 billion in assets and $2.7 billion in deposits with 91 branches locatedUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCNEWSGLOBISSFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/325083spcred/325083normThe latest Full Report from S&Pglobal9/13/2008 1:02:07 PM400Full Report325083United StatesRegional BanksUnited StatesGlobal IssuersFinancial InstitutionsFull ReportConsistent financial performance Strong capital position Regional concentration Sizable commercial real estate loan portfolio The ratings on Associated Banc Corp. (ASBC) and its primary bank subsidiaries are based on their stable financial measures and strong market presence in selected Wisconsin markets. Weaker economies in the upper Midwestern U.S. markets characterized by a slumping manufacturing sector and a growing commercial real estate and C&I loan book have translated into higher credit costs for ASBC in 2001 and 2002. Although credit quality has deteriorated, in general it has remained reasonable and earnings growth consistent. As two-thirds of assets and liabilities are in Wisconsin and the rest in the neighboring states of Illinois and Minnesota, however, ASBC remains more exposed to regional concentrationUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCFULLGLOBISSFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/325086spcred/325086normThe latest Summary from S&Pglobal9/13/2008 1:02:07 PM175Summary325086United StatesRegional BanksUnited StatesGlobal IssuersFinancial InstitutionsSummaryThe ratings on Associated Banc Corp. (ASBC) and its primary bank subsidiaries are based on their stable financial measures and strong market presence in selected Wisconsin markets. Weaker economies in the upper Midwestern U.S. markets characterized by a slumping manufacturing sector and a growing commercial real estate and C&I loan book have translated into higher credit costs for ASBC in 2001 and 2002. Although credit quality has deteriorated, in general it has remained reasonable and earnings growth consistent. As two-thirds of assets and liabilities are in Wisconsin and the rest in the neighboring states of Illinois and Minnesota, however, ASBC remains more exposed to regional concentration than more broadly diversified banks. Prior to 2003, the prolonged low interest rate environmentUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCSUMMARYGLOBISSFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/246265spcred/246265normThe latest Full Report from S&Pglobal9/13/2008 1:02:00 PM400Full Report246265United StatesRegional BanksUnited StatesGlobal IssuersFinancial InstitutionsFull ReportThe ratings on Associated Banc Corp. (ASBC) and its primary bank subsidiaries are based on their stable financial measures and strong market presence in selected Wisconsin markets. The strong underlying economies in the upper Midwestern markets have produced favorable returns and minimal asset quality problems for ASBC in recent years. Nevertheless, with almost 70% of its assets and liabilities concentrated in Wisconsin and the rest in the neighboring states of Illinois and Minnesota, ASBC remains exposed to the regional economic cycles. ASBC has been repositioning its balance sheet and shifting its loan mix from lower yielding, lower credit-risk residential mortgage lending in favor of higher yielding commercial and commercial real estate lending. This has mitigated the interest rate risk associatedUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCFULLGLOBISSFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/121439spcred/121439normThe latest News from S&Pglobal9/13/2008 1:01:57 PM100News121439United StatesRegional BanksUnited StatesGlobal IssuersFinancial InstitutionsNewsNEW YORK (Standard&Poor's CreditWire) Sept. 28, 1999--Standard&Poor's today assigned its single-'A'-minus/'A-2' counterparty credit and single-'A'-minus/'A-2' certificate of deposit ratings to Associated Banc-Corp.'s four lead bank subsidiaries (see list). At the same time, Standard&Poor's assigned its triple-'B'-plus/'A-2' counterparty credit ratings to the Green Bay, Wis., bank holding company, which has $11.6 billion in total assets. Associated Banc-Corp. is the third-largest commercial bank holding company in Wisconsin. As a supercommunity bank, it offers a full array of financial products and services, operating primarily in Wisconsin and Illinois. The ratings reflect the company's stable asset quality, earnings, and capital over time. Associated has also achieved a commendable diversified revenue stream, with fee income representing nearly one-third ofUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCNEWSGLOBISSFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/180685spcred/180685normThe latest Full Report from S&Pglobal9/13/2008 1:01:57 PM400Full Report180685United StatesRegional BanksUnited StatesGlobal IssuersFinancial InstitutionsFull ReportThe ratings of Associated Banc-Corp (ASBC) and its four lead bank subsidiaries are based on their stable financial measures and strong market presence in certain Wisconsin locations. The strong underlying economies in the upper Midwestern markets have produced favorable returns and minimal asset quality problems for ASBC in recent years. However, with about 70% of its assets and liabilities concentrated in Wisconsin and the rest in the neighboring states of Illinois and Minnesota, ASBC remains exposed to the regional economic cycles. Regional merger and acquisition activity have expanded the company's distribution channels and provided a significant source of revenue growth at ASBC. Its largest acquisition to date was First Financial Corp. in 1997, which doubled its asset base and increasedUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCFULLUSA40101015 401010 4010 40Associated Bank Green Bay N.A.Associated Bank MilwaukeeAssociated Bank Illinois N.A.Associated Bank North338878338879338880338881USA7455Z7454Z8788Z16678ZGLOBISSFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/180686spcred/180686normThe latest Summary from S&Pglobal9/13/2008 1:01:57 PM175Summary180686United StatesRegional BanksUnited StatesGlobal IssuersFinancial InstitutionsSummaryThe ratings of Associated Banc-Corp (ASBC) and its four lead bank subsidiaries are based on their stable financial measures and strong market presence in certain Wisconsin locations. The strong underlying economies in the upper Midwestern markets have produced favorable returns and minimal asset quality problems for ASBC in recent years. However, with about 70% of its assets and liabilities concentrated in Wisconsin and the rest in the neighboring states of Illinois and Minnesota, ASBC remains exposed to the regional economic cycles. Regional merger and acquisition activity have expanded the company's distribution channels and provided a significant source of revenue growth at ASBC. Its largest acquisition to date was First Financial Corp. in 1997, which doubled its asset base and increasedUSA04548804548704548Q40101015 401010 4010 40Associated Banc Corp.338876USAASBCSUMMARYGLOBISSFICredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/fitch/427109_pr_framefitch/427109_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.Associated Banc-CorpAssociated Bank, National Association8008991180089912800909637/24/2008 6:30:00 PM0101010085Press ReleaseASBC427109_pr_frameCredit & Investment ResearchFitch Researchhttp://www.alacrastore.com/storecontent/ccbn/T1803182ccbn/T1803182norm...Ladies and gentlemen, thank you for standing by. Welcome to the Associated Banc-Corp. first quarter #### earnings conference. During today's presentation, all parties will be in a listen-only mode. Following the presentation, the conference will be open for questions. (OPERATOR INSTRUCTIONS) This conference is being recorded April ##, ####. I would now like to turn the conference over to Mr. Paul Beidman, Chairman & CEO of Associated Banc-Corp., please go ahead, sir.... 7/16/2008 4:55:29 PMAssociated Banc-Corp54.0000Q1 2008 Associated Banc-Corp Earnings Conference CallASBC4:00PM ETTranscriptT1803182Credit & Investment ResearchThomson StreetEventshttp://www.alacrastore.com/storecontent/moodys/CMT_0000445706moodys/CMT_0000445706htmlGlobal Credit Research Issuer Comment ## JUL #### Issuer Comment: Associated Banc-Corp Earnings Commentary -- #nd Quarter #### In February ####, Moody's changed its rating outlook on Associated to negative from stable because of our...7/16/2008 12:39:36 AMhtmlAssociated Banc-CorpAssociated Banc-Corp600050500150.0000NewsIssuer CommentCMT_0000445706Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/ccbn/T1885054ccbn/T1885054norm...Good morning, ladies and gentlemen, and thank you for standing by. Welcome to the Associated Banc-Corp second-quarter #### earnings conference call. During the presentation, all parties will be in a listen-only mode. Following the presentation, the conference will be opened for questions. (OPERATOR INSTRUCTIONS). This conference is being recorded today, Monday, July ##, ####. I would now like to turn the conference over to our host, Paul Beideman, Chairman and CEO of Associated Banc-Corp. Please go ahead, sir. ... 7/14/2008 1:05:00 PMAssociated Banc-Corp54.0000FinalQ2 2008 Associated Banc-Corp Earnings Conference Call TranscriptASBC10:00am CTTranscriptT1885054Credit & Investment ResearchThomson StreetEvents