Institution Statistics
| Associated Bank, National Association | | FDIC Certificate # | 5296 | | BankRate Report | View | | Year Established | 1874 | | Employees | 4846 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $21.62 billion | | Loans | $14.07 billion | | Deposits | $15.72 billion | | Equity Capital | $3.05 billion | | Loan Loss Allowance | $339.04 million | | Unbacked Noncurrent Loans | $316.50 million | | Real Estate Owned | $34.21 million |
Historic Data - March 2011 | | Assets | $21.28 billion | | Equity Capital | $2.87 billion | | Loan Loss Allowance | $440.91 million | | Unbacked Noncurrent Loans | $477.45 million | | Real Estate Owned | $48.95 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.44% | | Return on Assets | 0.91% | | Return on Equity | 6.47% | | Interest Income | $179.05 million |
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Institution Health
Overall Score:
5 out of 5
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Associated Bank, NA had $350.71 million in non-current loans and owned real-estate with $3.39 billion in equity and loan loss allowances on hand to cover it. This gives Associated Bank, NA a Texas Ratio of 10.36% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Associated Bank, NA decreased slightly from 16.02% as of March 31, 2011 to 10.36% as of March 31, 2012, resulting in a positive change of 35.34%.This indicates that the balance sheet and financial strength for Associated Bank, NA has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Associated Bank, NA has increased its total deposits by $1.03 billion, resulting in 7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Associated Bank, NA has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Associated Bank, NA has $21.62 billion in assets with $3.39 billion in equity, resulting in a capitalization level of 15.66%, which is excellent. |
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