Exhibit 99.1 Associated Banc-Corp Investor Presentation 2019 Brookfield Office (Milwaukee MSA) – Opened October 2017 THIRD QUARTER

FORWARD-LOOKING STATEMENTS Important note regarding forward-looking statements: Statements made in this presentation 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,” "target," “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. These forward-looking statements include: management plans relating to the proposed acquisition of First Staunton Bancshares, Inc. (“proposed transaction”); the expected timing of the completion of the proposed transaction; the ability to complete the proposed transaction; the ability to obtain any required regulatory approvals; any statements of the plans and objectives of management for future operations, products or services; any statements of expectation or belief; projections related to certain financial results or other benefits of the proposed transaction; and any statements of assumptions underlying any of the foregoing. 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, and such factors are incorporated herein by reference. Additional factors which may cause actual results of the proposed transaction to differ materially from those contained in forward-looking statements are the possibility that expected benefits of the proposed transaction may not materialize in the timeframe expected or at all, or may be more costly to achieve; the proposed transaction may not be timely completed, if at all; that required regulatory approvals are not obtained or other customary closing conditions are not satisfied in a timely manner or at all; reputational risks and the reaction of shareholders, customers, employees or other constituents to the proposed transaction; and diversion of management time on acquisition-related matters. Trademarks: All trademarks, service marks, and trade names referenced in this material are official trademarks and the property of their respective owners. Presentation: Within the charts and tables presented, certain segments, columns and rows may not sum to totals shown due to rounding. 1

OUR FRANCHISE Second Quarter 20191 Highlights and Accomplishments $33 billion of assets $23 billion of loans . Largest bank headquartered in Wisconsin2 $4 billion of equity $25 billion of deposits . Approximately 4,700 employees, servicing 1.3 million customer accounts in 8 states and 2Q 2019 Average Loans by Business Segment over 120 communities1 Corporate and 54% Commercial Specialty . #1 Mortgage Lender in Wisconsin3 Community, Consumer, 44% and Business . Top 40 U.S. insurance brokerage firm4 2% Other Affinity Programs ~40% of checking accounts are affinity related5 1As of June 30, 2019. 2Based on assets, as of June 30, 2019. 3The Wisconsin’s #1 Mortgage Lender designation is based on information gathered from the Home Mortgage Disclosure Act data compiled annually by the Consumer Financial Protection Bureau. The results of the data were obtained through the Consumer Financial Protection Bureau Mortgage Database (HMDA), June 2018. 4Business Insurance magazine, July 2019. Rankings based on 2018 brokerage revenue gathered by U.S. based clients. 2 5Affinity checking accounts as a percentage of total checking accounts, as of July 31, 2019.

ATTRACTIVE MIDWEST MARKETS Large Population Base With a Manufacturing and Wholesale Trade-Centric Economy Midwest holds ~20% of the U.S. population1 and Manufacturing Focus Well-Suited for Our Midwest Location nearly 30% of all U.S. manufacturing jobs2 ASB C&BL Loans by Industry Total ASB Loans by Geography U.S. Manufacturing Jobs Manufacturing Midwest Midwest & Wholesale 79% ~30% Trade All other 22% regions ~70% Other3 21% Supporting Strong Employment Base and Healthy Consumer Credit Several Midwestern states have unemployment rates4 well below the national average: Select ASB Metro Market Unemployment Rates5 4.2% 4.3% 3.7% 4.0% 3.3% 3.3% 3.5% 2.9% Madison, WI………..………….… 2.2% 2.4% Sheboygan, WI…….……….....… 2.3% Appleton, WI…………………...… 2.5% Milwaukee, WI…..…………..…... 3.0% Minneapolis – St. Paul, MN….… 3.0% IA WI MN MO IN U.S. OH MI IL Dark green bars denote ASB branch states 1U.S. Census Bureau, Annual Estimates of the Resident Population for the United States, Regions, States, and Puerto Rico: April 1, 2010 to July 1, 2018. 2U.S. Bureau of Labor Statistics, Manufacturing Industry Employees, seasonally adjusted, June 2019 (preliminary). 3Other category includes 5% in TX; the majority of these loans were booked by our Loan Production Office located in Houston. 4U.S. Bureau of Labor Statistics, State Employment and Unemployment, seasonally adjusted, June 2019 (preliminary). 3 5U.S. Bureau of Labor Statistics, Civilian labor force and unemployment by metropolitan area, seasonally adjusted, June 2019.

ACTIVELY POSITIONING FOR LOWER RATES With expectations of lower interest rates, we are reducing wholesale funding and liquidity positions to defend net interest margin Second Quarter Actions1 Third Quarter Actions . Reduced network . Reducing network ~$400 million transaction deposits transaction deposits Reducing ~$500 million Higher Cost . Reduced CDs ~$380 million . Reducing CDs Funding . Reduced wholesale . Calling Senior ~$250 million $250 million borrowing Notes2 . Reduced mortgage . Reducing mortgage ~$570 million ~$400 million securities securities Reducing Prepayment . Reduced residential . Reducing residential ~$50 million 3 ~$50 million Risk mortgage portfolio mortgage porfolio . Added higher- . Replacing short yielding, longer duration municipal ~$100 million Adding duration municipal securities with 4 ~$150 million Duration securities higher-yielding, longer duration municipal securities 1Except where noted, figures based on change from March 31, 2019 to June 30, 2019. 2$250 million of 2.750% Senior Notes expected to be redeemed in October 2019. 3Including impact of the sale of ~$240 million prepayment-sensitive residential mortgages. 4Average balance increase from 1Q19 to 2Q19. 4

LOAN TRENDS Approximately $240 million of portfolio mortgages sold in 3Q 2019 for CECL and interest rate risk mitigation Average Quarterly Loans Average Loan Growth (1Q19 to 2Q19) ($ in billions) 2Q15 – 2Q19 ($ in millions) CAGR $23.0 $23.4 Mortgage warehouse $165 $20.5 $19.6 General commercial $70 $18.2 $7.7 $8.6 5% Power & utilities $41 Total $7.3 $7.5 Commercial & REIT $31 $7.2 business loans: + $245 million CRE - investor (+3% QoQ) $5.7 $5.1 5% $29 $5.0 $4.7 Residential mortgage $12 $4.1 $(16) Real estate construction $8.3 $8.4 12% $7.0 $5.4 $6.1 $(19) Home equity & other consumer $(61) Oil & gas $1.5 $1.4 $1.3 $1.3 $1.2 2Q 2015 2Q 2016 2Q 2017 2Q 2018 2Q 2019 Commercial & business Commercial real estate Residential mortgage Home equity & other consumer 5

COMMERCIAL LOAN MANAGEMENT1 Stable commercial and business lending with ongoing de-risking of the oil & gas portfolio; CRE remains steady Commercial and Business Oil & Gas Loans Commercial Real Estate Lending2 ($ in billions) ($ in millions) ($ in billions) 33% 34% 34% 32% 32% 24% 23% 22% 22% 22% 3.3% 3.3% 3.2% 3.0% $7.6 $7.8 $7.9 $7.3 $7.3 2.8% $5.5 $5.3 $5.1 $5.1 $5.2 $682 $731 $747 $754 $657 2Q18 3Q18 4Q18 1Q19 2Q19 2Q18 3Q18 4Q18 1Q19 2Q19 2Q18 3Q18 4Q18 1Q19 2Q19 CB&L (excluding oil & gas loans) as Oil & gas as a percent of total loans CRE as a percent of total loans a percent of total loans 1All values as of period end. 2Excluding oil & gas loans. 6

INVESTMENT SECURITIES PORTFOLIO TRENDS Taxable securities portfolio is a source of funds and is expected to continue to shrink in 3Q and 4Q 2019 Portfolio1 and Yield Trends (Quarterly) Investments / Average Earning Assets ($ in billions) 3.63% 3.68% 3.73% 3.74% 3.77% 24% 23% 23% 22% 21% 2.22% 2.26% 2.29% 2.34% 2.36% $7.0 $6.9 $6.8 $6.8 $6.5 2Q 2015 2Q 2016 2Q 2017 2Q 2018 2Q 2019 $1.5 $1.6 $1.7 $1.8 $1.9 Portfolio Fair Value Composition GNMA MBS CMBS $5.5 8% $5.3 $5.1 $5.0 32% $4.5 ABS 4% Municipals 32% Agency Other CMOs <1% 2Q 2018 3Q 2018 4Q 2018 1Q 2019 2Q 2019 23% Tax-exempt securities Taxable securities 7 1Average balances.

DEPOSIT PORTFOLIO TRENDS Community, Consumer, and Business segment deposits now represent 56% of total average deposits1 Average Quarterly Deposits Period-end Funding Change2 ($ in billions) ($ in millions) $25.1 $24.7 $24.2 $24.6 $23.6 Savings $375 Lower- $5.3 $5.0 $5.1 cost $5.1 $5.4 Interest-bearing demand $360 funding +$756 million $5.0 $4.7 $5.0 Noninterest-bearing demand $21 $4.7 $4.8 $1.9 $2.1 $2.3 $1.9 $2.0 $(202) FHLB Advances Higher- $(232) Money market $7.5 $7.4 $7.1 cost $7.2 $7.1 funding -$1.2 $(384) Time deposits billion $2.6 $3.0 $3.1 $3.1 $3.5 $(399) Network transaction deposits $2.1 $2.0 $1.9 $2.2 $2.0 2Q 2018 3Q 2018 4Q 2018 1Q 2019 2Q 2019 Noninterest-bearing demand Savings Time deposits Interest-bearing demand Money market Network transaction deposits 8 1Based on 2Q19 average deposits; Corporate and Commercial Specialty deposits represent 35% and other deposits represent 9%. 2Change from March 31, 2019 to June 30, 2019.

REPOSITIONING FUNDING1 Reduction of network deposits continues; $250 million of 2.750% Senior Notes expected to be called in Oct. 2019 FHLB Advances and Network Quarter-end Loan to Deposit Ratio Transaction Deposits ($ in billions) 98% 96% 94% 94% $4.8 92% $4.3 91% 90% 89% $3.5 1Q 2Q 3Q 4Q $3.1 $3.2 Historical Quarter-end Range 2014-2019 2019 Historical Quarter-end Range 2014-2018 $2.7 Quarter-end Low Cost Deposit Mix $2.1 $1.8 Checking and Savings represent over 52% 27% 21% 21% 10% 7% 13% 2Q 2016 2Q 2017 2Q 2018 2Q 2019 Money market Savings FHLB advances Network transaction deposits Noninterest-bearing demand Network trans. dep. Interest-bearing demand Time deposits 9 1Period-end values.

NET INTEREST INCOME AND YIELDS — QUARTERLY TRENDS Deposit costs have likely peaked, but we expect near-term margins will continue to compress Net Interest Income and Net Interest Margin Average Yields ($ in millions) 3.02% 3.02% 5.51% 2.92% 2.90% 5.19% 5.19% 2.87% 5.06% 4.98% 4.86% $226 $224 4.78% 4.79% $219 4.52% 4.56% $9 $7 $216 $214 $5 $2 $3 3.52% 3.54% 3.36% 3.45% 3.47% 2.78% 2.81% 2.56% 2.61% 2.70% 1.51% 1.54% $217 $214 $217 $214 1.26% 1.39% $211 1.08% 1.30% 1.35% 1.03% 1.14% 0.83% 2Q 2018 3Q 2018 4Q 2018 1Q 2019 2Q 2019 2Q 2018 3Q 2018 4Q 2018 1Q 2019 2Q 2019 Acquisition related prepayments and purchased loan CRE loans Investments and other accretion, net Commercial and business Total interest-bearing Net interest income, net of acquisition related lending loans liabilities prepayments and purchased loan accretion Net interest margin Total residential mortgage Total interest- loans bearing deposits 10

GROWING AND DIVERSIFIED BUSINESS MODEL Mortgage banking and wealth management benefitting from current environment Noninterest Income Mortgage Banking, Net2 ($ in millions) ($ in millions) $17 $14 $96 $13 $93 $8 $10 $86 $82 $82 YTD 15 YTD 16 YTD 17 YTD 18 YTD 19 Wealth Management Fees2,3 ($ in millions) $41 $41 $75 $74 $33 $66 $67 $67 $32 $31 2Q 2015 2Q 2016 2Q 2017 2Q 2018 2Q 2019 YTD 15 YTD 16 YTD 17 YTD 18 YTD 19 Fee-based revenue1 1A non-GAAP financial measure, fee-based revenue is the sum of insurance commissions and fees, wealth management fees, service charges and deposit account fees, card-based fees, and other fee-based revenue. Please refer to the appendix for a reconciliation of fee-based revenue to total noninterest income. 11 2Figures are for the first six months of the years indicated. 3Wealth management includes trust and asset management fees, and brokerage commissions and fees.

OVERALL EXPENSE EFFICIENCY Automation and consolidations are driving better efficiency over time Efficiency Enhanced Automation Branch Consolidations Operational Efficiencies Drivers Noninterest Expense Efficiency Ratio2 Branches and FTEs ($ in millions) $211 70% 4,792 69% 4,707 $7 $204 4,666 67% 4,659 4,660 $2 $198 66% 1 $193 $192 $4 69% 68% 63% 65% 247 62% $204 $202 237 236 236 60% 233 $194 $191 $194 2Q18 3Q18 4Q18 1Q19 2Q19 2Q15 2Q16 2Q17 2Q18 2Q19 2Q18 3Q18 4Q18 1Q19 2Q19 Acquisition related costs Federal Reserve efficiency ratio Period-end Branches All other noninterest expenses Adjusted efficiency ratio Average FTEs 1Includes $1 million of acquisition related cost recovery. 2The efficiency ratio as defined by the Federal Reserve guidance is noninterest expense (which includes the provision for unfunded commitments) divided by the sum of net interest income plus noninterest income, excluding investment securities gains / losses, net. The adjusted efficiency ratio, which is a non-GAAP financial measure, is noninterest expense (which includes the provision for unfunded commitments), excluding other intangible amortization and acquisition related costs, divided by the sum of fully tax-equivalent net interest income plus noninterest income, excluding investment securities gains / losses, net and acquisition related costs. 12 Refer to the appendix for a reconciliation of the Federal Reserve efficiency ratio to the adjusted efficiency ratio.

INVESTING IN CUSTOMER TECHNOLOGY Digital first strategies remain our highest priority investments Retail Customer Focused Enhancements Commercial Client Focused Upgrades . New mobile app received 4.7-star rating with ~10,000 . Cash management (ACI) upgrade completed reviews1 with full customer base migration in August . Zelle P2P implemented March 2019 2019 – Provides intuitive, real-time payment capability via – New core online and mobile banking Associated’s mobile app and online banking platforms platform provides refreshed portal experience . Mobile mortgage application and digital appointment scheduling capability implemented June 2019 – Desktop, mobile and tablet device support Digital Adoption and Digital Deposits Digital Adoption2 Digital Deposits3 58%59% 57% 57% 55% 53% 34% 31% 32% 32% 28% 30% 1Mobile application reviews on a leading platform as of August 9, 2019. 2Online and mobile customers as a percentage of all retail customers with a primary checking account at period end. 13 3SnapDeposits and ATM deposits as a percentage of all consumer deposits at period end.

CAPITAL PRIORITIES Committed to a consistent capital management philosophy2 with rigorous capital discipline Quarterly $23.0 $23.4 Average Loans $20.5 Funding $19.6 ($ in billions) 1. Organic Highest Priority $18.2 Growth 2Q15 2Q16 2Q17 2Q18 2Q19 Quarterly $0.17 $0.15 Commitment Dividends $0.12 Paying a $0.10 $0.11 2. Competitive 30%-40% dividend payout Dividend ratio 2Q15 2Q16 2Q17 2Q18 2Q19 Opportunistic, . Bank Mutual (45% cost savings) Investing 3. in-market, efficiency . Huntington WI Branch Acq. (45% expected cost savings) Externally driven acquisitions . First Staunton Bancshares1 (35% expected cost savings) Share $259 Disciplined Repurchases $240 Repurchasing maintenance of ($ in millions) $130 4. 2 $93 Shares TCE ratio $20 $37 >7% 2014 2015 2016 2017 2018 20193 1Expected to close in 1Q 2020. 2The ratio tangible common equity to tangible assets is a non-GAAP financial measure. Please refer to the appendix for a reconciliation of non-GAAP financial measures. 3Through 8/31/19. Includes $60 million of shares repurchased in 3Q 2019 14

CAPITAL LEVELS AND SHARE REPURCHASES Repurchased $60 million of shares in 3Q 2019 while maintaining2 cushion to absorb CECL in 1Q 2020 TCE Ratio1 2014-2019 Cumulative Shares Repurchased2 (millions) 37.4 31.5 7.8% 7.3% 7.4% 6.9% 6.9% 7.1% 22.0 20.4 19.3 14.3 2 2Q14 2Q15 2Q16 2Q17 2Q18 2Q19 2014 2015 2016 2017 2018 2019 1The ratio tangible common equity to tangible assets is a non-GAAP financial measure. Please refer to the appendix for a reconciliation of non-GAAP financial measures. 2 2019 figure is through 8/31/19 and includes 2.9 million shares repurchased in 3Q 2019. 15

CURRENT EXPECTED CREDIT LOSSES (CECL) Our current capital levels and expected earnings should allow us to readily absorb the anticipated CECL impact CECL Adoption in 1Q 2020 Expected Impact to ACL1 in 1Q 2020 . Life-of-loan CECL reserves will be driven by our . 30%-40% increase to ACL from year-end 2019 portfolio characteristics, risk-grading, economic levels outlook, and methodology . Net, after-tax, reduction in expected Tangible . Key Methodology Assumptions Common Equity ratio of ~25 bps – Leverages existing probability of default / loss given default framework and DFAST systems By Portfolio2 By Factor3 – Forecast components include • 1-year reasonable and supportable forecast Economic period uncertainty • 1-year straight-line reversion to historical losses CRE 52% Consumer 44% • Single-path economic forecast 47% Unfunded reserve . Most significant impacts: 22% – Economic uncertainty Other Longer-maturity portfolio (CRE & Consumer) – factors Acqusition impacts Commercial and 12% portfolios business lending 14% – Unfunded commitment exposure 9% 1Allowance for Credit Losses. 2By lending portfolio, excluding acquired portfolios. 3Includes acquired portfolios. 16

CREDIT QUALITY – QUARTERLY TRENDS Continued benign credit environment with stable provision outlook in 3Q 2019 Potential Problem Loans1 Nonaccrual Loans1 ($ in millions) ($ in millions) $242 $250 $241 $236 $204 $166 $154 $156 $167 $128 2Q 2018 3Q 2018 4Q 2018 1Q 2019 2Q 2019 2Q 2018 3Q 2018 4Q 2018 1Q 2019 2Q 2019 Net Charge Offs and Provision Allowance for Loan Losses to Loans1 ($ in millions) $12 $13 $8 $8 1.1% $7 $6 1.0% 1.0% 1.0% 1.0% $4 $0 $1 $(5) 2Q 2018 3Q 2018 4Q 2018 1Q 2019 2Q 2019 2Q 2018 3Q 2018 4Q 2018 1Q 2019 2Q 2019 Total net charge offs Provision for credit losses 17 1At period end.

2019 REVISED OUTLOOK This outlook reflects a stable domestic economy and two additional 25 bps Fed Funds rate decreases in 2019. We may adjust our outlook if, and when, we have more clarity on these factors. ▪ ~3% annual average loan ▪ Noninterest expense of growth for 20191 $785 million - $790 million ▪ Maintain loan to deposit ratio ▪ Efficiency ratio expected to Balance Sheet under 100% Expense improve by 100 bps to 200 bps2 Management Management ▪ Full-year 2019 NIM of ▪ Effective tax rate of ~20% for 2.84% to 2.88%, based on full-year 2019 two additional Fed rate decreases ▪ Approximately $370 million - ▪ Continue to follow stated $375 million noninterest income corporate priorities for capital deployment ▪ Improving year over year fee- Capital & Fee based revenues Credit ▪ Provision expected to adjust with Businesses Management changes to risk grade, other indications of credit quality, and loan volume 1Including impact of ~$240 million residential mortgage loan sale in 3Q 2019 and further de-risking of our oil & gas portfolio. 2 Expected full-year change in the Federal Reserve Efficiency Ratio which incorporates all reported GAAP expenses, including acquisition related costs. 18

APPENDIX

FNB STAUNTON TRANSACTION SUMMARY Seller: First Staunton Bancshares Transaction Value: . ~$76 million for franchise . ~1.30x 1Q 2019 reported tangible Staunton book value . ~4% deposit premium Alton Bethalto Consideration: 100% cash Assets Purchased: . Nine branches Edwardsville . ~$350 million of loans Deposits Assumed: . ~$440 million . ~30,000 customer accounts Required Approvals: St. Louis . Regulatory approval anticipated in early 2020 Closing and Conversion: Associated Bank . Closing and conversion anticipated in Belleville 1Q 2020 FNB in Staunton Source: S&P Global Market Intelligence 20

ACQUISITIONS Huntington completed… …and Staunton up next Was an in-market, cost takeout Is an in-market, cost takeout driven driven depository acquisition depository acquisition Delivering on Filled in network gaps and boosted Fills in network gaps and boosts our Our Strategy our network in key locations network in key locations Further improved branch density Further improves branch density and scale across Wisconsin and scale in St. Louis market Expanded into 13 new communities Expanding into 7 new communities Enhancing Added over 60,000 deposit accounts Expected to add over 30,000 deposit and 33,000 households accounts and 16,000 loans ASB Franchise Value Acquired ~$730 million of granular ~$440 million of granular branch branch deposits with <1% cost of funds deposits with <1% cost of funds Accretive to efficiency metrics and Accretive to efficiency metrics and EPS outlook EPS outlook Financially Expected 45% cost savings run rate Approximately 35% cost savings Attractive expected on conversion Minimal TBV dilution (~1.5%); Minimal TBV dilution (<1%); $34 million net premium less than 3.5 year TBV earnback expected 21

LOANS STRATIFICATION OUTSTANDINGS AS OF JUNE 30, 2019 C&BL by Geography Total Loans1 CRE by Geography $8.5 billion $5.2 billion Minnesota 7% Illinois Illinois Minnesota Texas3 15% 11% 14% 10% Illinois 24% Other Minnesota 2 Other Midwest 10% 11% Wisconsin Midwest2 31% Wisconsin 24% Wisconsin 28% 26% Other Midwest2 13% Other 33% Other 15% Other Texas Texas 16% 5% 7% C&BL by Industry Oil and Gas Lending4 CRE by Property Type $8.5 billion $657 million $5.2 billion Power & South Texas Utilities East Texas & Eagle Retail 16% Real Estate North 13% Ford 19% 16% Louisiana Arkansas Office / Mixed Manufacturing & 20% Multi-Family Use Oil & Gas Wholesale Trade Permian 34% 20% 22% 8% 21% Rockies 15% Finance & Insurance Industrial 12% 13% Bakken 4% Marcellus Utica 1-4 Family Appalachia Other Gulf Shallow Construction Mid- 9% 6% 3% Other 6% 1Excludes $360 million Other consumer portfolio. Continent Hotel / Motel (Onshore 2Other Midwest includes Missouri, Indiana, Ohio, Michigan and Iowa. (primarily 4% Lower 48) 3 OK & KS) 22 Principally reflects the oil and gas portfolio. 7% 4Chart based on commitments of $976 million. 6%

RECONCILIATION AND DEFINITIONS OF NON-GAAP ITEMS ($ IN MILLIONS) Efficiency Ratio 2Q15 2Q16 2Q17 2Q18 2Q19 Federal Reserve efficiency ratio 70.23% 69.34% 66.69% 65.77% 62.71% Fully tax-equivalent adjustment (1.35)% (1.36)% (1.30)% (0.65)% (0.84)% Other intangible amortization (0.35)% (0.21)% (0.18)% (0.68)% (0.75)% Fully tax-equivalent efficiency ratio1 68.53% 67.77% 65.21% 64.45% 61.13% Acquisition related costs adjustment —% —% —% (2.40)% (1.21)% Fully tax-equivalent efficiency ratio, excluding acquisition related costs (adjusted efficiency ratio)1 68.53% 67.77% 65.21% 62.05% 59.91% The efficiency ratio as defined by the Federal Reserve guidance is noninterest expense (which includes the provision for unfunded commitments) divided by the sum of net interest income plus noninterest income, excluding investment securities gains / losses, net. The fully tax-equivalent efficiency ratio is noninterest expense (which includes the provision for unfunded commitments), excluding other intangible amortization, divided by the sum of fully tax-equivalent net interest income plus noninterest income, excluding investment securities gains / losses, net. The adjusted efficiency ratio is noninterest expense (which includes the provision for unfunded commitments), excluding other intangible amortization and acquisition related costs, divided by the sum of fully tax-equivalent net interest income plus noninterest income, excluding investment securities gains / losses, net and acquisition related costs. Fee-based Revenue1 2Q15 2Q16 2Q17 2Q18 2Q19 Insurance commissions and fees $20 $22 $21 $24 $23 Wealth management fees 17 16 17 20 21 Service charges and deposit account fees 16 16 16 16 15 Card-based fees and other fee-based revenue 14 13 14 14 15 Fee-based revenue $66 $67 $67 $75 $74 Other 20 15 15 18 21 Total noninterest income $86 $82 $82 $93 $96 Tangible Common Equity and Tangible Common Assets Reconciliation2 2Q14 2Q15 2Q16 2Q17 2Q18 2Q19 Common equity $2,869 $2,782 $2,910 $3,032 $3,611 $3,643 Goodwill and other intangible assets, net (938) (987) (988) (987) (1,247) (1,270) Tangible common equity $1,931 $1,795 $1,922 $2,045 $2,364 $2,373 Total assets $25,728 $27,181 $29,039 $29,769 $33,653 $33,273 Goodwill and other intangible assets, net (938) (987) (988) (987) (1,247) (1,270) Tangible assets $24,789 $26,194 $28,051 $28,782 $32,406 $32,003 1This is a non-GAAP financial measure. Management believes these measures are meaningful because they reflect adjustments commonly made by management, investors, regulators, and analysts to evaluate the adequacy of earnings per common share, provide greater understanding of ongoing operations and enhance comparability of results with prior periods. 23 2The ratio tangible common equity to tangible assets excludes goodwill and other intangible assets, net. This financial measure has been included as it is considered to be a critical metric used to analyze and evaluate financial condition and capital strength.