Through Associated Bank and various nonbanking subsidiaries, we provide a broad
array of banking and nonbanking products and services to individuals and businesses
through over 200 banking offices serving more than 100 communities, primarily
within our three state branch footprint (Wisconsin, Illinois, and Minnesota).
Our business is primarily relationship-driven and is organized into three reportable
segments: Corporate and Commercial Specialty; Community, Consumer, and Business;
and Risk Management and Shared Services.
Corporate and Commercial Specialty — The Corporate and Commercial Specialty
segment serves a wide range of customers, including larger businesses, developers,
not-for-profits, municipalities, and financial institutions. In serving this
segment, we compete based on an in-depth understanding of our customers’
financial needs, the ability to match market competitive solutions to those
needs, and the highest standards of relationship and service excellence in the
delivery of these services. Delivery of services is provided through our corporate
and commercial units, our commercial real estate unit, as well as our specialized
industries and commercial financial services units. Within this segment we provide
the following products and services: (1) lending solutions, such as commercial
loans and lines of credit, commercial real estate financing, construction loans,
letters of credit, leasing, asset based lending and, for our larger clients,
loan syndications; (2) deposit and cash management solutions such as commercial
checking and interest-bearing deposit products, cash vault and night depository
services, liquidity solutions, payables and receivables solutions, and information
services; and (3) specialized financial services such as interest rate risk
management, foreign exchange solutions, and commodity hedging.
Community, Consumer, and Business — The Community, Consumer, and Business
segment serves individuals, as well as small and mid-size businesses. In serving
this segment, we compete based on providing a broad range of solutions to meet
the needs of our customers in their entire financial lifecycle, convenient access
to our services through multiple channels such as branches, phone based services,
online and mobile banking, and a relationship based business model which assists
our customers in navigating any changes and challenges in their financial circumstances.
Delivery of services is provided through our various Consumer Banking, Community
Banking, and Private Client units. Within this segment we provide the following
products and services: (1) lending solutions such as residential mortgages,
home equity loans and lines of credit, personal and installment loans, real
estate financing, business loans, and business lines of credit; (2) deposit
and transactional solutions such as checking, credit, debit and pre-paid cards,
online banking and bill pay, and money transfer services; (3) investable funds
solutions such as savings, money market deposit accounts, IRA accounts, certificates
of deposit, fixed and variable annuities, full-service, discount and on-line
investment brokerage; investment advisory services; trust and investment management
accounts; (4) insurance and benefits-related products and services; and (5)
fiduciary services such as administration of pension, profit-sharing and other
employee benefit plans, fiduciary and corporate agency services, and institutional
asset management.
Risk Management and Shared Services — The Risk Management and Shared Services
segment includes Corporate Risk Management, Credit Administration, Finance,
Treasury, Operations and Technology, which are key shared functions. The segment
also includes Parent Company activity, intersegment eliminations and residual
revenue and expenses, representing the difference between actual amounts incurred
and the amounts allocated to operating segments, including interest rate risk
residuals (funds transfer pricing mismatches) and credit risk and provision
residuals (long-term credit charge mismatches). The earning assets within this
segment include the Corporation’s investment portfolio, and capital includes
both allocated and any remaining unallocated capital.
0.82% 
5.97 %