secwatch.observer — SEC 8-K summary
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Issuer:     ASSOCIATED BANC-CORP (ASB)
CIK:        0000007789
Form:       8-K
Filed at:   2023-01-26T23:59:59+00:00
Accession:  0000007789-23-000003
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Associated Banc-Corp Q4 EPS $0.70; full-year net income $355M record
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- Net income available to common equity $106M ($0.70/sh), up from $0.49/sh in Q4 2021 and $0.62/sh in Q3 2022.
- Full-year 2022 EPS $2.34 vs $2.18 in 2021; record net income $355M.
- Net interest margin expanded 91 bps YoY to 3.31%; NII up 55% YoY in Q4.
- Loan growth of 19% YoY to $28.8B; guidance for 2023 loan growth 7-9%.
- Credit quality improved: nonaccrual loans down to 0.39% of total loans; net charge-offs down 82% YoY to $1M.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/7789/000000778923000003/0000007789-23-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/7789/000000778923000003/asb-20230126.htm
  HTML page:      https://secwatch.observer/filing/0000007789-23-000003

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