8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of report (Date of earliest event reported): October 29, 2012

OLD NATIONAL BANCORP

(Exact name of Registrant as specified in its charter)

Indiana	001-15817	35-1539838
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

One Main Street Evansville, Indiana	47708
(Address of Principal Executive Offices)	(Zip Code)

Registrant’s telephone number, including area code: (812) 464-1294

(Former name or former address if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02 Results of Operations and Financial Condition

On October 29, 2012, Old National Bancorp reported its results for the third quarter and full year of 2012. The press release is included as Exhibit 99.1 hereto and is incorporated herein by reference. Old National Bancorp also released the financial trends including its third-quarter and full-year 2012 results. The financial trends are included as Exhibit 99.2 hereto and are incorporated herein by reference. In connection therewith, a slide presentation outlining third-quarter and full-year 2012 earnings, recent strategic developments and the company’s financial outlook will be available on Old National’s website to compliment the conference call to be held on October 29, 2012, at 10:00 a.m. CST and will be accessible at http://www.oldnational.com before the conference call begins.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits. The following exhibits are furnished herewith:

Exhibit No.	Description
99.1	Press Release issued by Old National Bancorp on October 29, 2012
99.2	Financial Trends issued by Old National Bancorp on October 29, 2012

* * * * * * *

2

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: October 29, 2012

OLD NATIONAL BANCORP
By:	/s/ Christopher A. Wolking
	Christopher A. Wolking
	Senior Executive Vice President and
	Chief Financial Officer

3

Exhibit Index

Exhibit No.	Description
99.1	Press Release issued by Old National Bancorp on October 29, 2012
99.2	Financial Trends issued by Old National Bancorp on October 29, 2012

4

EX-99.1

Exhibit 99.1

FOR IMMEDIATE RELEASE	Contacts:
October 29, 2012	Media:
	Kathy A. Schoettlin – (812) 465-7269
	Executive Vice President – Communications
	Financial Community:
	Lynell J. Walton – (812) 464-1366
	Senior Vice President – Investor Relations

Old National’s 3^rd quarter results include continued

organic loan growth and successful acquisition

3^rd QUARTER HIGHLIGHTS:

• EPS of $.20 includes $4.9 million of acquisition and integration expenses and $.8 million in branch optimization expenses

• End of period loans, excluding covered and newly acquired loans, increased $94.4 million over 2^nd quarter 2012

• Successful acquisition and conversion of Indiana Community Bancorp

• Board of Directors declares cash dividend of $.09 per common share

Evansville, Ind. (October 29, 2012) – Today Old National Bancorp (NYSE: ONB) reported 3^rd quarter net income of $19.7 million, or $.20 per share. These 3^rd quarter results compare to the net income of $27.2 million, or $.29 per share, that Old National reported in 2^nd quarter 2012, and reflect a 17% increase over 3^rd quarter 2011 net income.

Old National Bancorp’s Board of Directors also declared a common stock dividend of $.09 per share on the Company’s outstanding shares. This dividend is payable December 17, 2012, to shareholders of record on December 3, 2012. For purposes of broker trading, the ex-date of the cash dividend is November 29, 2012.

“I am particularly pleased with our results this quarter,” commented Old National President and CEO Bob Jones. “We successfully integrated Indiana Bank & Trust, which allows us to be an active part of a vibrant community and offer our services in a growing market. In addition, we continued to see organic loan growth and remained strong in our commitment to expense management. These successful results are a direct reflection of the expertise and dedication of our associates.”

Indiana Community Bancorp Acquisition

On September 15, 2012, Old National Bancorp completed its merger with Indiana Community Bancorp of Columbus, Indiana. Based on the average closing price of $13.356 per share of Old National common stock per the merger agreement, the transaction was valued at approximately $88.5 million. The acquisition added $493.5 million of loans (net of an $85.1 million loan mark) and $784.6 million of core deposits to the Old National franchise at September 15, 2012. The acquisition also included the creation of $86.7 million of goodwill.

Committed to our Strategic Imperatives

Old National’s strong performance can be attributed to our unwavering commitment to the following strategic imperatives:

1. Strengthen the risk profile.

2. Enhance management discipline.

3. Achieve consistent quality earnings.

1. STRENGTHEN THE RISK PROFILE

Credit Quality

Old National reported provision expense in the 3^rd quarter of 2012 of $.4 million, equal to the $.4 million in the 2^nd quarter of 2012 and slightly more than the ($.1) million in the 3^rd quarter of 2011. Old National’s net charge-offs for 3^rd quarter 2012 were $.4 million, or ..03% of total loans, compared to $1.5 million, or .13% of total loans in 2^nd quarter 2012 and $4.6 million, or .40% of total loans, in 3^rd quarter 2011.

Excluding covered loans, provision expense for the 3^rd quarter of 2012 was ($.3) million, compared to ($3.4) million in 2^nd quarter 2012 and ($.1) million in 3^rd quarter 2011. Old National’s net charge-offs for the 3^rd quarter, excluding covered loans, were ($.4) million, a reduction of $1.3 million from the $.9 million reported in 2^nd quarter 2012 and a reduction of $5.3 million from the $4.9 million in net charge-offs reported in 3^rd quarter 2011.

Excluding covered loans, Old National’s allowance for loan losses at September 30, 2012, was $50.4 million, or 1.05% of total loans, compared to an allowance of $50.4 million, or 1.19% of total loans at June 30, 2012, and $65.2 million, or 1.58% of total loans, at September 30, 2011. Excluding covered loans, the coverage of allowance to non-performing loans stood at 29% at September 30, 2012, compared to 50% at June 30, 2012. Contributing significantly to this decline was the addition of the Indiana Community loan portfolio which, in accordance with accounting for business combinations, was recorded at fair value with no allowance brought forward on these newly acquired loans. Credit losses evident in the loans were included in the determination of fair value.

“The decrease in our ratio of allowance to non-performing loans was significantly impacted by the addition of loans acquired at fair market value as part of our Indiana Community partnership,” stated Chief Credit Officer Daryl Moore. “Overall credit trends in the legacy portfolio were mixed as charge-offs and delinquencies remained well below peer levels and non-performing loans decreased, while special mention and problem loans increased.”

The following table presents certain credit quality metrics related to Old National’s loan portfolio:

($ in millions)	2009			2010			2011			2Q12			2Q12*			3Q12			3Q12*
Non-Performing Loans(NPLs)		$67.0			$70.9			$299.5			$241.7			$100.7			$295.7			$172.0
Problem Loans (Including NPLs)		$157.1			$174.3			$404.3			$310.9			$146.3			$408.7			$260.0
Special Mention Loans		$103.5			$84.0			$103.2			$119.3			$103.1			$149.6			$135.3
Net Charge-Off Ratio		1.40	%		.75	%		.49	%		.13	%		.09	%		.03	%		(.03	%)
Provision for Loan Losses		$63.3			$30.8			$7.5			$.4			($3.4	)		$.4			($.3	)

* Excludes covered loans.

2. ENHANCE MANAGEMENT DISCIPLINE

Expense Management

Old National reported total noninterest expenses of $89.0 million for the 3^rd quarter of 2012, compared to $86.0 million in the 2^nd quarter of 2012 and $95.2 million for the 3^rd quarter of 2011. Noninterest expenses for the 3^rd quarter of 2012 included $5.5 million of Indiana Community-related expenses – of which $4.9 million were integration and conversion charges associated with the September 15, 2012, acquisition of that institution. The 3^rd quarter of 2012 also included $.8 million in branch optimization expense related to the Company’s August 16, 2012, announcement of the sale or consolidation of 28 branches. Noninterest expenses for 2^nd quarter 2012 included $.8 million in acquisition-related costs, of which $.6 million resulted from Indiana Community with the remaining $.2 million from the July 29, 2011, FDIC-assisted acquisition of Integra Bank. The 2^nd quarter of 2012 also included $1.7 million in branch optimization expense, as well as $.8 million in OREO expenses related to Integra Bank assets of which 80% are reimbursable to Old National under the terms of the loss share agreement and recorded as a change to the indemnification asset in other income. In addition, 2^nd quarter of 2012 included $.4 million for a litigation settlement.

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Capital Management

Old National’s capital position remained well above industry requirements at September 30, 2012, with regulatory tier 1 and total risk-based capital ratios of 12.9% and 14.1%, respectively, compared to 14.6% and 15.7% at June 30, 2012, and 12.2% and 13.7% at September 30, 2011.

The ratio of tangible common equity to tangible assets stood at 9.05% at September 30, 2012, compared to 9.40% at June 30, 2012, and 8.40% at September 30, 2011. Refer to Table 1 for Non-GAAP reconciliations.

	Well Capitalized			ONB at September 30, 2012
Tier 1 Risk-Based Capital Ratio		> 6	%		12.9	%
Total Risk-Based Capital Ratio		> 10	%		14.1	%
Tier 1 Leverage Capital Ratio		> 5	%		8.8	%

3. ACHIEVE CONSISTENT QUALITY EARNINGS

Balance Sheet and Net Interest Margin

Old National’s total loan portfolio increased $533.1 million during the 3^rd quarter to $5.253 billion at September 30, 2012, from $4.720 billion at June 30, 2012. Excluding covered loans and newly acquired Indiana Community loans, residential real estate grew $80.7 million, commercial real estate grew $9.0 million, commercial and industrial grew $8.4 million, and home equity loans grew $4.6 million during the 3^rd quarter of 2012. Other consumer loans were the only category of loans not experiencing growth in the current quarter and declined $8.3 million. For the 3^rd quarter 2012, average total loans were $4.828 billion, a $144.4 million increase from the $4.684 billion for the 2^nd quarter 2012.

Total investments, including money market accounts, amounted to $2.801 billion at September 30, 2012, a slight decrease of $2.5 million when compared to $2.804 billion at June 30, 2012. Average total investments were $2.744 billion for the 3^rd quarter compared to $2.757 billion in the 2^nd quarter. Securities gains for the 3^rd quarter (net of $.2 million of other-than-temporary impairment) totaled $2.7 million, compared to 2^nd quarter securities gains of $6.2 million (net of $.8 million of other-than-temporary impairment).

At September 30, 2012, total core deposits, including demand and interest-bearing deposits, stood at $7.218 billion and represented an increase of $558.1 million when compared to the $6.660 billion at June 30, 2012. The increase was attributable to the addition of $740.2 million of deposit balances at September 30, 2012, from the acquisition of Indiana Community.

Old National reported net interest income of $74.1 million for 3^rd quarter 2012 compared to $76.0 million in 2^nd quarter 2012, and $72.6 million for 3^rd quarter 2011. Included in 3^rd quarter 2012 net interest income is $.3 million associated with the Indiana Community acquisition, $2.2 million associated with the Monroe acquisition, and $9.1 million associated with the Integra acquisition, related to the accretion of purchase accounting discounts. Included in 2^nd quarter 2012 net interest income is $4.0 million associated with the Monroe acquisition and $10.1 million associated with the Integra acquisition, related to the accretion of purchase accounting discounts.

On a fully taxable equivalent basis, net interest income was $77.5 million for 3^rd quarter 2012 and represented a net interest margin on total average earning assets of 4.09%. This compares to net interest income on a fully taxable equivalent basis of $79.2 million and a margin of 4.26% in 2^nd quarter 2012 and net interest income on a fully taxable equivalent basis of $75.5 million and a margin of 3.96% for 3^rd quarter 2011. Included in 3^rd quarter 2012 net interest margin is 2 basis points associated with the Indiana Community acquisition, 12 basis points associated with the Monroe acquisition and 48 basis points associated with the Integra acquisition, related to the accretion of purchase accounting discounts. Included in 2^nd quarter 2012 net interest margin is 21 basis points associated with the Monroe acquisition and 55 basis points associated with the Integra acquisition, related to the accretion of the purchase accounting discounts. Refer to Tables A and B for Non-GAAP taxable equivalent reconciliations.

Page 3 of 8

Fees, Service Charges and Other Revenue

Total fees, service charges and other revenue were $38.0 million for 3^rd quarter 2012 compared to $42.1 million in 2^nd quarter 2012 and $44.3 million in 3^rd quarter 2011. The 3^rd quarter of 2012 included a reduction of $4.9 million from the change in indemnification asset relating to the acquisition of Integra Bank, compared to a reduction of $4.0 million in 2^nd quarter 2012 and a benefit of $.5 million in 3^rd quarter 2012. The $4.9 million change in indemnification asset in 3^rd quarter 2012 includes $1.9 million of recovery amounts due to the FDIC. In addition, the 3^rd quarter of 2012 contained several losses on OREO properties while the 2^nd quarter 2012 included a $1.6 million gain from a single OREO property. The Indiana Community acquisition contributed an additional $.3 million in fees, service charges and other revenue during the current quarter.

About Old National

Old National Bancorp (NYSE: ONB) is the largest financial services holding company headquartered in Indiana and, with $9.4 billion in assets, ranks among the top 100 banking companies in the U.S. Since its founding in Evansville in 1834, Old National has focused on community banking by building long-term, highly valued partnerships with clients in its primary footprint of Indiana, Illinois and Kentucky. In addition to providing extensive services in retail and commercial banking, wealth management, investments and brokerage, Old National also owns Old National Insurance, one of the 100 largest brokers in the U.S. For more information and financial data, please visit Investor Relations at oldnational.com.

Conference Call

Old National will hold a conference call at 10:00 a.m. Central on Monday, October 29, 2012, to discuss 3^rd quarter 2012 financial results, strategic developments, and the Company’s financial outlook. The live audio web cast of the call, along with the corresponding presentation slides, will be available on the Company’s Investor Relations web page at oldnational.com and will be archived there for 12 months. A replay of the call will also be available from 1:00 p.m. Central on October 29 through November 12. To access the replay, dial 1-855-859-2056, conference code 35894910.

Use of Non-GAAP Financial Measures

This earnings release contains GAAP financial measures and non-GAAP financial measures where management believes it to be helpful in understanding Old National’s results of operations or financial position. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in this release or the Quarterly Financial Trends supplement to this earnings release, which can be found on Investor Relations at oldnational.com.

Table 1: Non-GAAP Reconciliation-Tangible Equity to Tangible Assets

(end of period balances - $ in millions)	June 30, 2012			September 30, 2012
Total Shareholders’ Equity	$	1,073.7		$	1,186.8
Deduct: Goodwill and Intangible Assets		(283.4	)		(371.2	)
Tangible Shareholders’ Equity	$	790.3		$	815.6
Total Assets	$	8,689.6		$	9,383.0
Add: Trust Overdrafts		.1			1.7
Deduct: Goodwill and Intangible Assets		(283.4	)		(371.2	)
Tangible Assets	$	8,406.2		$	9,013.6
Tangible Equity to Tangible Assets		9.40	%		9.05	%

Page 4 of 8

Forward-Looking Statement

This press release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements include, but are not limited to, descriptions of Old National’s financial condition, results of operations, asset and credit quality trends and profitability. Forward-looking statements can be identified by the use of the words “anticipate,” “believe,” “expect,” “intend,” “could” and “should,” and other words of similar meaning. These forward-looking statements express management’s current expectations or forecasts of future events and, by their nature, are subject to risks and uncertainties and there are a number of factors that could cause actual results to differ materially from those in such statements. Factors that might cause such a difference include, but are not limited to; market, economic, operational, liquidity, credit and interest rate risks associated with Old National's business, competition, government legislation and policies (including the impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act and its related regulations), ability of Old National to execute its business plan and satisfy the items addressed in Old National’s Consent Order with the Office of the Comptroller of the Currency, changes in the economy which could materially impact credit quality trends and the ability to generate loans and gather deposits, failure or circumvention of Old National’s internal controls, failure or disruption of our information systems, failure to adhere to or significant changes in accounting, tax or regulatory practices or requirements, new legal obligations or liabilities or unfavorable resolutions of litigations, other matters discussed in this press release and other factors identified in the Company’s Annual Report on Form 10-K and other periodic filings with the Securities and Exchange Commission. These forward-looking statements are made only as of the date of this press release, and Old National undertakes no obligation to release revisions to these forward-looking statements to reflect events or conditions after the date of this release.

Page 5 of 8

OLD NATIONAL BANCORP

Financial Highlights (Table A)

	Three-Months Ended
($ in thousands except per-share data) (FTE) Fully taxable equivalent basis.	Sept. 30, 2012			June 30, 2012			Change			% Change
Income Data:
Net Interest Income	$	74,150		$	75,973		$	(1,823	)		(2.4	)%
Taxable Equivalent Adjustment		3,340			3,252			88			2.7
Net Interest Income (FTE)		77,490			79,225			(1,735	)		(2.2	)
Fees, Service Charges and Other Revenues		37,966			42,081			(4,115	)		(9.8	)
Securities Gains (Losses) (a)		2,675			6,212			(3,537	)		(56.9	)
Derivative Gains (Losses)		226			249			(23	)		(9.2	)
Total Revenue (FTE)		118,357			127,767			(9,410	)		(7.4	)
Provision for Loan Losses		400			393			7			1.8
Noninterest Expense		89,019			86,027			2,992			3.5
Income before Taxes		28,938			41,347			(12,409	)		(30.0	)
Provision for Taxes (FTE)		9,201			14,141			(4,940	)		(34.9	)
Net Income		19,737			27,206			(7,469	)		(27.5	)
Per Common Share Data: (Diluted) (b)
Net Income Attributable to Common Shareholders		.20			.29			(.09	)		(31.0	)
Average Diluted Shares Outstanding		96,125			94,871			1,254			1.3
Book Value		11.70			11.34			.36			3.2
Stock Price		13.61			12.01			1.60			13.3
Performance Ratios:
Return on Average Assets		.91	%		1.27	%		(.36	)%		(28.3	)
Return on Average Common Equity (c)		7.17			10.25			(3.08	)		(30.0	)
Net Interest Margin (FTE)		4.09			4.26			(.17	)		(4.0	)
Other Expense to Revenue (Efficiency Ratio) (d)		75.26			69.20			6.06			8.8
Net Charge-offs to Average Loans (e)		(.03	)		.09			(.12	)		N/M
Reserve for Loan Losses to Ending Loans (e)		1.05			1.19			(.14	)		(11.8	)
Non-Performing Loans to Ending Loans (e)		3.59			2.38			1.21			50.8
Balance Sheet:
Average Assets	$	8,715,272		$	8,572,206		$	143,066			1.7
End of Period Balances:
Assets		9,383,044			8,689,556			693,488			8.0
Investments		2,764,280			2,705,950			58,330			2.2
Money Market Investments (f)		37,043			97,953			(60,910	)		(62.2	)
Commercial Loans and Leases		1,363,516			1,281,457			82,059			6.4
Commercial Real Estate Loans		1,528,167			1,304,301			223,866			17.2
Consumer Loans		1,034,418			966,671			67,747			7.0
Residential Real Estate Loans		1,317,065			1,163,201			153,864			13.2
Residential Real Estate Loans Held for Sale		9,911			4,366			5,545			127.0
Earning Assets		8,054,400			7,523,899			530,501			7.1
Core Deposits (Excluding Brokered CDs)		7,218,249			6,660,127			558,122			8.4
Borrowed Funds (Including Brokered CDs)		743,690			629,860			133,830			18.1
Common Shareholders’ Equity		1,186,764			1,073,727			113,037			10.5

(a) Includes $202 and $780, respectively, for other-than-temporary impairment in 3^rd and 2^nd quarters 2012.

(b) Assumes conversion of stock options and restricted stock.

(c) Based on average common shareholders’ equity of $1,101,795 and $1,061,301, respectively, for September 30, 2012 and June 30, 2012.

(d) Noninterest expense before amortization of intangibles as a percent of FTE net interest income and noninterest revenues, excluding net gains from securities transactions.

(e) Excludes residential loans held for sale and covered loans.

(f) Includes money market investments and Federal Reserve interest earning accounts.

N/M = Not meaningful.

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OLD NATIONAL BANCORP

Financial Highlights (Table B)

	Three-Months Ended
($ in thousands except per-share data) (FTE) Fully taxable equivalent basis.	Sept. 30, 2012			Sept. 30, 2011			Change			% Change
Income Data:
Net Interest Income	$	74,150		$	72,592		$	1,558			2.1	%
Taxable Equivalent Adjustment		3,340			2,914			426			14.6
Net Interest Income (FTE)		77,490			75,506			1,984			2.6
Fees, Service Charges and Other Revenues		37,966			44,316			(6,350	)		(14.3	)
Securities Gains (Losses) (a)		2,675			2,861			(186	)		(6.5	)
Derivative Gains (Losses)		226			149			77			51.7
Total Revenue (FTE)		118,357			122,832			(4,475	)		(3.6	)
Provision for Loan Losses		400			(82	)		482			N/M
Noninterest Expense		89,019			95,158			(6,139	)		(6.5	)
Income before Taxes		28,938			27,756			1,182			4.3
Provision for Taxes (FTE)		9,201			10,959			(1,758	)		(16.0	)
Net Income		19,737			16,797			2,940			17.5
Per Common Share Data: (Diluted) (b)
Net Income Attributable to Common Shareholders		.20			.18			.02			11.1
Average Diluted Shares Outstanding		96,125			94,785			1,340			1.4
Book Value		11.70			10.85			.85			7.8
Stock Price		13.61			9.32			4.29			46.0
Performance Ratios:
Return on Average Assets		.91	%		.77	%		.14	%		18.2
Return on Average Common Equity (c)		7.17			6.61			.56			8.5
Net Interest Margin (FTE)		4.09			3.96			.13			3.3
Other Expense to Revenue (Efficiency Ratio) (d)		75.26			77.56			(2.30	)		(3.0	)
Net Charge-offs to Average Loans (e)		(.03	)		.48			(.51	)		N/M
Reserve for Loan Losses to Ending Loans (e)		1.05			1.58			(.53	)		(33.5	)
Non-Performing Loans to Ending Loans (e)		3.59			3.01			.58			19.3
Balance Sheet:
Average Assets	$	8,715,272		$	8,719,827		$	(4,555	)		(.1	)
End of Period Balances:
Assets		9,383,044			8,932,700			450,344			5.0
Investments		2,764,280			2,784,035			(19,755	)		(.7	)
Money Market Investments (f)		37,043			74,623			(37,580	)		(50.4	)
Commercial Loans and Leases		1,363,516			1,400,540			(37,024	)		(2.6	)
Commercial Real Estate Loans		1,528,167			1,496,132			32,035			2.1
Consumer Loans		1,034,418			916,677			117,741			12.8
Residential Real Estate Loans		1,317,065			1,037,977			279,088			26.9
Residential Real Estate Loans Held for Sale		9,911			4,710			5,201			110.4
Earning Assets		8,054,400			7,714,694			339,706			4.4
Core Deposits (Excluding Brokered CDs)		7,218,249			6,842,754			375,495			5.5
Borrowed Funds (Including Brokered CDs)		743,690			809,397			(65,707	)		(8.1	)
Common Shareholders’ Equity		1,186,764			1,027,695			159,069			15.5

(a) Includes $202 and $0, respectively, for other-than-temporary impairment in 3^rd quarter 2012 and 3^rd quarter 2011.

(b) Assumes conversion of stock options and restricted stock.

(c) Based on average common shareholders’ equity of $1,101,795 and $1,061,053 respectively, for 2012 and 2011.

(d) Noninterest expense before amortization of intangibles as a percent of FTE net interest income and noninterest revenues, excluding net gains from securities transactions.

(e) Excludes residential loans held for sale and covered loans.

(f) Includes money market investments and Federal Reserve interest earning accounts.

N/M = Not meaningful.

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OLD NATIONAL BANCORP

Financial Highlights

	Nine-Months Ended
($ in thousands except per-share data) (FTE) Fully taxable equivalent basis.	Sept. 30, 2012			Sept. 30, 2011			Change			% Change
Income Data:
Net Interest Income	$	224,396		$	196,278		$	28,118			14.3	%
Taxable Equivalent Adjustment		9,643			8,842			801			9.1
Net Interest Income (FTE)		234,039			205,120			28,919			14.1
Fees, Service Charges and Other Revenues		128,475			128,507			(32	)		—
Securities Gains (Losses) (a)		9,410			4,527			4,883			107.9
Derivative Gains (Losses)		657			702			(45	)		(6.4	)
Total Revenue (FTE)		372,581			338,856			33,725			10.0
Provision for Loan Losses		2,849			6,437			(3,588	)		(55.7	)
Noninterest Expense		266,333			254,841			11,492			4.5
Income before Taxes		103,399			77,578			25,821			33.3
Provision for Taxes (FTE)		34,733			27,332			7,401			27.1
Net Income		68,666			50,246			18,420			36.7
Per Common Share Data: (Diluted) (b)
Net Income Attributable to Common Shareholders		.72			.53			.19			35.8
Average Diluted Shares Outstanding		95,274			94,722			552			.6
Book Value		11.70			10.85			.85			7.8
Stock Price		13.61			9.32			4.29			46.0
Performance Ratios:
Return on Average Assets		1.06	%		.81	%		.25	%		30.9
Return on Average Common Equity (c)		8.57			6.75			1.82			27.0
Net Interest Margin (FTE)		4.18			3.75			.43			11.5
Other Expense to Revenue (Efficiency Ratio) (d)		71.71			74.47			(2.76	)		(3.7	)
Net Charge-offs to Average Loans (e)		.12			.43			(.31	)		(72.1	)
Reserve for Loan Losses to Ending Loans (e)		1.05			1.58			(.53	)		(33.5	)
Non-Performing Loans to Ending Loans (e)		3.59			3.01			.58			19.3
Balance Sheet:
Average Assets	$	8,603,959		$	8,259,846		$	344,113			4.2
End of Period Balances:
Assets		9,383,044			8,932,700			450,344			5.0
Investments		2,764,280			2,784,035			(19,755	)		(.7	)
Money Market Investments (f)		37,043			74,623			(37,580	)		(50.4	)
Commercial Loans and Leases		1,363,516			1,400,540			(37,024	)		(2.6	)
Commercial Real Estate Loans		1,528,167			1,496,132			32,035			2.1
Consumer Loans		1,034,418			916,677			117,741			12.8
Residential Real Estate Loans		1,317,065			1,037,977			279,088			26.9
Residential Real Estate Loans Held for Sale		9,911			4,710			5,201			110.4
Earning Assets		8,054,400			7,714,694			339,706			4.4
Core Deposits (Excluding Brokered CDs)		7,218,249			6,842,754			375,495			5.5
Borrowed Funds (Including Brokered CDs)		743,690			809,397			(65,707	)		(8.1	)
Common Shareholders’ Equity		1,186,764			1,027,695			159,069			15.5

(a) Includes $1,078 and $499, respectively, for other-than-temporary impairment in 2012 and 2011.

(b) Assumes conversion of stock options and restricted stock.

(c) Based on average common shareholders’ equity of $1,068,371 and $992,064, respectively, for 2012 and 2011.

(d) Noninterest expense before amortization of intangibles as a percent of FTE net interest income and noninterest revenues, excluding net gains from securities transactions.

(e) Excludes residential loans held for sale and covered loans.

(f) Includes money market investments and Federal Reserve interest earning accounts.

N/M = Not meaningful.

Page 8 of 8

EX-99.2

Exhibit 99.2

Old National Bancorp   Financial Trends Third Quarter 2012 October 29, 2012

Please direct inquiries to:

Christopher A. Wolking, Senior Executive Vice President & Chief Financial Officer (812) 464-1322 or Joan M. Kissel, Senior Vice President & Corporate Controller (812) 465-7290

Notes: -Summations may not equal due to rounding.

Old National Bancorp

Financial Summary

Third Quarter 2012

2009			2010			2011				2011												2012
										1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr			3rd Qtr			4th Qtr
									Profitability (in millions)
$	13.7		$	38.2		$	72.5		Net Income (Loss)	$	16.4		$	17.0		$	16.8		$	22.2		$	21.7		$	27.2		$	19.7
	3.9			—			—		Preferred Dividend and Amort on Preferred Stock		—			—			—			—			—			—			—
	9.8			38.2			72.5		Net Income (Loss) Avail. to Common Shareholders		16.4			17.0			16.8			22.2			21.7			27.2			19.7
									Diluted EPS
$	0.14		$	0.44		$	0.76		Net Income (Loss) Avail. to Common Shareholders	$	0.17		$	0.18		$	0.18		$	0.23		$	0.23		$	0.29		$	0.20
									Ratios - Net Income
	1.41	%		4.40	%		7.24	%	Return on Average Common Equity		6.78	%		6.87	%		6.61	%		8.64	%		8.34	%		10.25	%		7.17	%
	0.17	%		0.50	%		0.86	%	Return on Average Assets		0.82	%		0.85	%		0.77	%		1.01	%		1.02	%		1.27	%		0.91	%
	80.45	%		79.25	%		73.80	%	Efficiency Ratio (2)		73.58	%		71.92	%		77.56	%		72.02	%		70.88	%		69.20	%		75.26	%
	3.50	%		3.40	%		3.87	%	Net Interest Margin (FTE)		3.62	%		3.67	%		3.96	%		4.20	%		4.20	%		4.26	%		4.09	%
									Capital Ratios:
									Risk-Based Capital Ratios (EOP):
	14.3	%		13.6	%		13.5	%	Tier 1		12.8	%		13.4	%		12.2	%		13.5	%		14.0	%		14.6	%		12.9	%
	16.1	%		14.8	%		15.0	%	Total		14.3	%		14.9	%		13.7	%		15.0	%		15.4	%		15.7	%		14.1	%
	9.5	%		9.0	%		8.3	%	Leverage Ratio (to Average Assets)		8.4	%		8.7	%		7.9	%		8.3	%		8.8	%		9.0	%		8.8	%
	9.06	%		11.46	%		11.94	%	Total Equity to Assets (Averages)		12.06	%		12.35	%		11.65	%		11.74	%		12.22	%		12.38	%		12.64	%
	8.25	%		9.68	%		8.97	%	Tangible Common Equity to Tangible Assets (1)		9.12	%		9.52	%		8.40	%		8.97	%		9.23	%		9.40	%		9.05	%
									Per Common Share Data:
	0.44			0.28			0.28		Cash Dividends Declared		0.07			0.07			0.07			0.07			0.09			0.09			0.09
	309	%		64	%		37	%	Dividend Payout Ratio		40	%		39	%		39	%		30	%		39	%		31	%		44	%
	9.68			10.08			10.92		Common Book Value (EOP)		10.39			10.64			10.85			10.92			11.10			11.34			11.70
	12.43			11.89			11.65		Market Value (EOP)		10.72			10.80			9.32			11.65			13.14			12.01			13.61
	7.38			7.85			7.89		Tangible Common Book Value (1)		7.53			7.79			7.66			7.89			8.09			8.35			8.04
									Other Statistics
	2,812			2,491			2,551		Full Time Equivalent Employees		2,618			2,543			2,454			2,551			2,530			2,613			2,703

FTE—Fully taxable equivalent basis

EOP—End of period actual balances

(1) See Non-GAAP Reconciliation on Page 9.

(2) Efficiency ratio is defined as noninterest expense before amortization of intangibles as a percent of FTE net interest income and noninterest revenues, excluding net gains from securities transactions. This presentation excludes intangible amortization and net securities gains, as is common in other company releases, and better aligns with true operating performance.

PAGE 1

Old National Bancorp

INCOME STATEMENT

($ In Millions except EPS information)

Nine Months					Change							Third Quarter						Change
2012			2011		$			%				2012			2011			$			%
$	252.3		$	240.4	$	11.9			5.0	%	Interest Income	$	82.8		$	87.2		$	(4.4	)		-5.0	%
	27.9			44.1		(16.2	)		-36.7	%	Less: Interest Expense		8.6			14.6			(6.0	)		-40.9	%
	224.4			196.3		28.1			14.3	%	Net Interest Income		74.1			72.6			1.6			2.1	%
	16.1			15.5		0.6			4.0	%	Wealth Management Fees		5.2			5.1			0.1			2.0	%
	38.6			38.1		0.5			1.4	%	Service Charges on Deposit Accounts		12.8			14.0			(1.2	)		-8.8	%
	17.9			18.7		(0.8	)		-4.4	%	ATM Fees		5.7			6.8			(1.1	)		-15.9	%
	2.2			2.6		(0.4	)		-15.1	%	Mortgage Banking Revenue		0.8			0.7			0.1			20.3	%
	27.6			27.9		(0.3	)		-1.2	%	Insurance Premiums and Commissions		8.7			8.3			0.3			4.0	%
	9.5			8.5		0.9			11.2	%	Investment Product Fees		3.4			3.0			0.4			12.8	%
	4.7			3.9		0.9			22.7	%	Company-owned Life Insurance		1.7			1.4			0.3			24.4	%
	(4.1	)		0.5		(4.7	)		N/M		Change in Indemnification Asset		(4.9	)		0.5			(5.4	)		N/M
	16.0			12.8		3.2			24.9	%	Other Income		4.5			4.5			0.1			1.5	%
	128.5			128.5		(0.0	)		0.0	%	Total Fees, Service Charges & Other Rev.		38.0			44.3			(6.3	)		-14.3	%
	9.4			4.5		4.9			N/M		Gains (Losses) Sales of Securities (1)		2.7			2.9			(0.2	)		-6.5	%
	0.7			0.7		(0.0	)		-6.5	%	Gains (Losses) Derivatives		0.2			0.1			0.1			51.2	%
	138.5			133.7		4.8			3.6	%	Total Noninterest Income		40.9			47.3			(6.5	)		-13.6	%
	362.9			330.0		32.9			10.0	%	Total Revenues		115.0			119.9			(4.9	)		-4.1	%
	142.7			139.9		2.7			2.0	%	Salaries and Employee Benefits		49.9			52.3			(2.4	)		-4.7	%
	39.2			37.8		1.3			3.6	%	Occupancy		13.5			13.3			0.1			0.9	%
	8.7			8.7		0.0			0.1	%	Equipment		2.9			2.9			0.0			0.9	%
	4.5			4.2		0.3			6.7	%	Marketing		1.5			1.3			0.2			18.7	%
	16.8			17.5		(0.7	)		-4.0	%	Data Processing		5.4			5.7			(0.3	)		-4.8	%
	8.1			7.5		0.5			7.3	%	Communication		2.6			2.5			0.1			3.9	%
	9.1			10.5		(1.3	)		-12.6	%	Professional Fees		3.8			5.9			(2.1	)		-35.9	%
	4.9			3.4		1.5			46.1	%	Loan Expenses		1.8			1.1			0.6			54.5	%
	2.1			2.2		(0.1	)		-3.9	%	Supplies		0.7			0.6			0.1			14.3	%
	4.1			5.6		(1.5	)		-27.2	%	FDIC Assessment		1.3			1.7			(0.3	)		-20.4	%
	11.8			1.7		10.1			N/M		Other Real Estate Owned Expense		0.4			0.6			(0.2	)		-35.8	%
	14.4			15.8		(1.4	)		-8.9	%	Other Expense		5.2			7.2			(2.0	)		-27.4	%
	266.3			254.8		11.5			4.5	%	Total Noninterest Expense		89.0			95.2			(6.1	)		-6.5	%
	2.8			6.4		(3.6	)		-55.7	%	Provision for loan losses		0.4			(0.1	)		0.5			N/M
	93.8			68.7		25.0			36.4	%	Income (loss) before Income Taxes		25.6			24.8			0.8			3.0	%
	25.1			18.5		6.6			35.7	%	Total Taxes		5.9			8.0			(2.2	)		-27.1	%
$	68.7		$	50.2	$	18.4			36.7	%	Net Income (Loss)	$	19.7		$	16.8		$	2.9			17.5	%
											Diluted EPS
$	0.72		$	0.53	$	0.19			35.8	%	Net Income (Loss) Avail to Common	$	0.20		$	0.18		$	0.02			10.2	%
											Average Common Shares Outstanding (000’s)
	94,886			94,468		417			0.4	%	Basic		95,690			94,492			1,198			1.3	%
	95,274			94,722		551			0.6	%	Diluted		96,125			94,785			1,340			1.4	%
	101,403			94,752		6,651			7.0	%	Common Shares Outstanding (EOP) (000’s)		101,403			94,752			6,651			7.0	%

(1) Includes $2.9 million of net gains and $0.2 million of OTTI in 3Q12 and $2.9 million of net gains and $0.0 million of OTTI in 3Q11.

Includes $10.5 million of net gains and $1.1 million of OTTI in YTD 2012 and $5.0 million of net gains and $0.5 million of OTTI in YTD 2011.

EOP—End of period actual balances

N/M = Not meaningful

OTTI—Other Than Temporary Impairment

PAGE 2

Old National Bancorp

NET INCOME TRENDS

Third Quarter 2012

($ In Millions except EPS information)

2009			2010		2011			2011										2012
								1st Qtr		2nd Qtr		3rd Qtr			4th Qtr			1st Qtr		2nd Qtr			3rd Qtr			4th Qtr
$	340.7		$	296.8	$	326.6	Interest Income	$	76.3	$	76.9	$	87.2		$	86.2		$	84.3	$	85.3		$	82.8
	109.3			78.4		53.7	Less: Interest Expense		15.0		14.6		14.6			9.6			10.0		9.3			8.6
	231.4			218.4		272.9	Net Interest Income		61.4		62.3		72.6			76.6			74.3		76.0			74.1
	16.0			16.1		20.5	Wealth Management Fees		5.1		5.3		5.1			4.9			5.1		5.8			5.2
	55.2			50.0		51.9	Service Charges on Deposit Accounts		11.6		12.5		14.0			13.8			12.9		12.9			12.8
	20.5			23.0		25.2	ATM Fees		5.9		6.1		6.8			6.5			6.3		5.9			5.7
	6.2			2.2		3.3	Mortgage Banking Revenue		1.0		0.9		0.7			0.7			0.6		0.8			0.8
	37.9			36.5		37.0	Insurance Premiums and Commissions		10.6		9.0		8.3			9.0			9.6		9.3			8.7
	8.5			9.2		11.1	Investment Product Fees		2.6		2.9		3.0			2.6			2.9		3.2			3.4
	2.4			4.1		5.3	Company-owned Life Insurance		1.2		1.3		1.4			1.5			1.5		1.5			1.7
	—			—		0.4	Change in Indemnification Asset		—		—		0.5			(0.1	)		4.8		(4.0	)		(4.9	)
	13.7			14.4		20.1	Other Income		3.5		4.9		4.5			7.3			4.8		6.7			4.5
	160.3			155.5		174.6	Total Fees, Service Charges & Other Rev.		41.3		42.9		44.3			46.1			48.4		42.1			38.0
	2.5			13.2		7.3	Gains (Losses) Sales of Securities (1)		1.2		0.5		2.9			2.8			0.5		6.2			2.7
	0.7			1.5		1.0	Gains (Losses) Derivatives		0.3		0.2		0.1			0.3			0.2		0.2			0.2
	163.5			170.1		182.9	Total Noninterest Income		42.8		43.6		47.3			49.1			49.1		48.5			40.9
	394.9			388.6		455.8	Total Revenues		104.2		105.9		119.9			125.7			123.4		124.5			115.0
	181.4			170.6		189.5	Salaries and Employee Benefits		44.5		43.1		52.3			49.6			46.0		46.8			49.9
	47.1			46.4		51.1	Occupancy		12.3		12.2		13.3			13.2			12.5		13.3			13.5
	10.4			10.6		11.7	Equipment		3.0		2.8		2.9			3.0			2.9		3.0			2.9
	9.6			5.7		6.0	Marketing		1.3		1.6		1.3			1.8			1.4		1.5			1.5
	20.7			21.4		23.0	Data Processing		6.1		5.8		5.7			5.4			5.5		5.9			5.4
	10.9			9.8		10.4	Communication		2.3		2.6		2.5			2.9			2.8		2.6			2.6
	9.5			8.3		15.0	Professional Fees		2.4		2.1		5.9			4.5			2.7		2.6			3.8
	4.3			3.9		4.7	Loan Expenses		1.1		1.1		1.1			1.4			1.6		1.5			1.8
	4.3			2.9		3.8	Supplies		0.6		0.9		0.6			1.6			0.8		0.6			0.7
	12.4			8.4		7.5	FDIC Assessment		2.2		1.8		1.7			1.9			1.4		1.4			1.3
	1.5			2.6		2.0	Other Real Estate Owned Expense		0.3		0.8		0.6			0.3			9.8		1.6			0.4
	26.8			23.6		23.9	Other Expense		3.7		4.9		7.2			8.1			3.9		5.3			5.2
	339.0			314.3		348.5	Total Noninterest Expense		79.9		79.8		95.2			93.7			91.3		86.0			89.0
	63.3			30.8		7.5	Provision for Loan Losses		3.3		3.2		(0.1	)		1.0			2.1		0.4			0.4
	(7.4	)		43.5		99.8	Income (loss) before Income Taxes		21.0		22.9		24.8			31.0			30.1		38.1			25.6
	(21.1	)		5.3		27.3	Total Taxes		4.5		5.9		8.0			8.8			8.3		10.9			5.9
$	13.7		$	38.2	$	72.5	Net Income (Loss)	$	16.4	$	17.0	$	16.8		$	22.2		$	21.7	$	27.2		$	19.7
$	0.14		$	0.44	$	0.76	Net Income (Loss) Avail to Common	$	0.17	$	0.18	$	0.18		$	0.23		$	0.23	$	0.29		$	0.20
	71,314			86,785		94,467	Average Basic Common Shares (000’s)		94,433		94,479		94,492			94,463			94,445		94,514			95,690
	71,367			86,928		94,772	Average Diluted Common Shares (000’s)		94,670		94,701		94,785			94,866			94,833		94,871			96,125

(1) Gains (losses) on sales of securities are net of OTTI.

PAGE 3

Old National Bancorp

Balance Sheet (EOP)

Third Quarter 2012

($ in Millions)

																Change from Prior Year
	9/30/2012			6/30/2012			3/31/2012			12/31/2011			9/30/2011			9/30/2012  vs.  9/30/2011					12/31/2010			12/31/2009
Assets
Fed Reserve Bank Account	$	26.9		$	94.1		$	13.4		$	26.4		$	68.4		$	(41.5	)	-60.7	%	$	141.4		$	317.5
Money Market Investments		10.2			3.9			3.4			4.8			6.2			4.0		63.9	%		2.8			35.6
Investments:
Treasury & Gov’t Sponsored Agencies		577.5			538.5			517.9			416.1			424.8			152.7		35.9	%		680.9			1,142.7
Mortgage-backed Securities		1,235.9			1,284.2			1,372.7			1,352.2			1,533.2			(297.3	)	-19.4	%		1,188.3			1,048.4
States & Political Subdivisions		727.4			677.9			665.2			619.2			607.8			119.5		19.7	%		566.3			534.6
Other Securities		223.5			205.4			202.6			202.0			218.1			5.4		2.5	%		194.8			192.7
Total Investments		2,764.3			2,705.9			2,758.4			2,589.5			2,784.0			(19.8	)	-0.7	%		2,630.4			2,918.3
Residential Real Estate Loans Held for Sale		9.9			4.4			3.9			4.5			4.7			5.2		110.3	%		3.8			17.5
Leases Held for Sale		—			—			—			—			—			—		N/M			—			55.3
Loans:
Commercial		1,231.4			1,136.7			1,107.0			1,137.0			1,159.2			72.1		6.2	%		1,105.3			1,209.3
Commercial Leases		62.6			68.9			73.5			79.6			87.0			(24.4	)	-28.0	%		106.1			77.9
Commercial & Agriculture Real Estate		1,291.1			1,042.6			1,026.9			1,067.4			1,128.4			162.7		14.4	%		942.4			1,062.9
Consumer:
Home Equity		263.8			206.0			207.6			216.2			224.2			39.6		17.7	%		248.3			274.8
Other Consumer Loans		666.3			649.3			639.7			645.2			675.2			(9.0	)	-1.3	%		676.6			807.2
Subtotal of Commercial & Consumer Loans		3,515.1			3,103.5			3,054.7			3,145.4			3,274.1			241.1		7.4	%		3,078.7			3,432.1
Residential Real Estate		1,279.2			1,122.8			1,060.0			995.5			866.0			413.3		47.7	%		664.7			403.4
Covered Loans		448.8			489.3			548.6			626.4			711.3			(262.5	)	-36.9	%		—			—
Total Loans		5,243.2			4,715.6			4,663.2			4,767.2			4,851.3			391.8		8.1	%		3,743.5			3,835.5
Total Earning Assets		8,054.4			7,523.9			7,442.3			7,392.5			7,714.7			339.7		4.4	%		6,521.8			7,179.7
Allowance for Loan Losses		(54.8	)		(54.8	)		(55.9	)		(58.1	)		(65.5	)		(10.8	)	-16.4	%		(72.3	)		(69.5	)
Nonearning Assets:
Cash and Due from Banks		180.5			165.1			143.6			191.6			194.6			(14.1	)	-7.3	%		107.4			144.2
Premises & Equipment		83.3			71.8			73.1			71.9			75.3			8.0		10.6	%		48.8			52.4
Goodwill & Intangible Assets		371.2			283.4			284.8			286.8			302.3			68.9		22.8	%		194.1			200.2
Company-owned Life Insurance		268.9			251.7			250.2			248.7			247.2			21.7		8.8	%		226.2			224.7
FDIC Indemnification Asset		126.9			136.0			153.3			167.7			168.5			(41.6	)	-24.7	%		—			—
Covered ORE		28.8			22.2			24.7			30.4			31.9			(3.1	)	-9.8	%		—			—
Other Assets		323.9			290.2			265.1			278.1			263.8			60.2		22.8	%		238.0			273.8
Total Nonearning Assets		1,383.4			1,220.4			1,194.6			1,275.2			1,283.5			99.9		7.8	%		814.4			895.2
Total Assets	$	9,383.0		$	8,689.6		$	8,581.1		$	8,609.7		$	8,932.7		$	450.3		5.0	%	$	7,263.9		$	8,005.3
Liabilities & Equity
Noninterest-bearing Demand Deposits	$	1,943.5		$	1,847.9		$	1,768.0		$	1,728.5		$	1,728.5		$	215.0		12.4	%	$	1,276.0		$	1,188.3
NOW Accounts		1,694.8			1,603.7			1,558.0			1,569.1			1,517.1			177.7		11.7	%		1,297.4			1,354.3
Savings Accounts		1,939.7			1,683.8			1,672.2			1,570.4			1,624.8			314.9		19.4	%		1,079.4			972.2
Money Market Accounts		282.3			283.1			295.3			295.8			306.1			(23.8	)	-7.8	%		334.8			381.1
Other Time under $100,000		966.0			885.0			951.0			1,004.0			1,171.6			(205.7	)	-17.6	%		988.7			1,284.3
Other Time $100,000 & over		392.0			356.7			402.0			421.9			494.6			(102.6	)	-20.7	%		466.3			653.3
Total Core Deposits		7,218.2			6,660.1			6,646.5			6,589.8			6,842.8			375.5		5.5	%		5,442.7			5,833.5
Brokered CD’s		3.1			10.1			21.3			21.7			24.5			(21.4	)	-87.2	%		20.2			69.9
Total Deposits		7,221.4			6,670.3			6,667.8			6,611.6			6,867.3			354.1		5.2	%		5,462.9			5,903.5
Short-term Borrowings		452.1			346.0			352.8			424.8			341.0			111.1		32.6	%		298.2			331.1
Long-term Borrowings		288.5			273.7			289.5			290.8			443.9			(155.4	)	-35.0	%		421.9			699.1
Total Borrowed Funds		740.6			619.7			642.2			715.6			784.9			(44.3	)	-5.6	%		720.1			1,030.2
Accrued Expenses & Other Liabilities		234.3			325.8			220.6			248.9			252.9			(18.5	)	-7.3	%		202.0			227.8
Total Liabilities		8,196.3			7,615.8			7,530.6			7,576.1			7,905.0			291.3		3.7	%		6,385.1			7,161.5
Preferred Stock & Surplus		—			—			—			—			—			—		—			—			—
Common Stock, Surplus & Retained Earnings		1,152.5			1,051.4			1,031.7			1,018.6			1,003.1			149.4		14.9	%		880.1			864.2
Other Comprehensive Income		34.3			22.3			18.7			15.0			24.6			9.7		39.5	%		(1.3	)		(20.4	)
Total Shareholders Equity		1,186.8			1,073.7			1,050.4			1,033.6			1,027.7			159.1		15.5	%		878.8			843.8
Total Liabilities & Shareholders Equity	$	9,383.0		$	8,689.6		$	8,581.1		$	8,609.7		$	8,932.7		$	450.3		5.0	%	$	7,263.9		$	8,005.3

EOP—End of period actual balances

N/M = Not meaningful

PAGE 4

Old National Bancorp

Balance Sheet Trends

PERIOD AVERAGES

($ in Millions)

2009			2010			2011				2011												2012
										1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr			3rd Qtr			4th Qtr
									Assets
$	41.2		$	152.3		$	146.0		Fed Reserve Bank Account	$	159.8		$	244.4		$	138.2		$	41.5		$	19.7			29.2			21.8
	38.5			25.4			6.8		Money Market Investments		6.7			7.1			3.9			9.6			5.8			4.7			4.7
									Investments:
	916.3			1,057.9			613.2		Treasury & Gov’t Sponsored Agencies		746.4			720.9			563.0			422.4			456.6			515.8			557.1
	1,063.3			1,092.6			1,356.4		Mortgage-backed Securities		1,225.2			1,212.8			1,514.8			1,472.9			1,323.2			1,320.8			1,256.8
	506.7			536.3			580.9		States & Political Subdivisions		561.2			567.8			588.1			606.4			639.6			680.9			690.5
	214.4			198.7			211.9		Other Securities		214.0			206.9			218.6			207.9			205.8			205.8			213.4
	2,700.7			2,885.6			2,762.3		Total Investments		2,746.7			2,708.3			2,884.5			2,709.7			2,625.2			2,723.2			2,717.9
	11.7			4.2			3.5		Residential Real Estate Loans Held for Sale		3.6			3.4			3.9			3.1			3.0			3.3			4.5
	84.9			24.2			—		Leases Held for Sale		—			—			—			—			—			—			—
									Loans:
	1,383.6			1,152.0			1,169.5		Commercial		1,187.3			1,180.7			1,165.9			1,146.0			1,116.9			1,121.9			1,150.1
	216.1			95.3			92.5		Commercial Leases		102.0			95.0			90.1			82.9			76.4			71.1			65.5
	1,117.3			1,007.6			1,152.8		Commercial & Agriculture Real Estate		1,219.6			1,189.1			1,126.2			1,081.4			1,037.2			1,016.1			1,086.8
									Consumer:
	273.1			264.7			258.9		Home Equity		266.3			257.6			257.2			256.0			244.8			235.6			240.4
	882.3			742.7			643.3		Other Consumer Loans		674.4			642.0			634.9			622.6			608.3			614.6			627.2
	3,872.5			3,262.3			3,317.0		Subtotal of Commercial & Consumer Loans		3,449.6			3,364.3			3,274.3			3,189.0			3,083.6			3,059.3			3,170.0
	457.8			460.5			822.5		Residential Real Estate		752.5			789.4			817.7			931.3			1,025.5			1,091.9			1,176.5
	—			—			301.0		Covered Loans		—			—			504.2			689.8			599.2			529.0			476.8
	4,330.2			3,722.9			4,440.5		Total Loans		4,202.0			4,153.6			4,596.1			4,810.0			4,708.4			4,680.2			4,823.4
	7,207.2			6,814.6			7,359.1		Total Earning Assets		7,118.9			7,116.9			7,626.7			7,573.9			7,362.1			7,440.6			7,572.3
	(70.1	)		(73.9	)		(70.8	)	Allowance for Loan Losses		(73.3	)		(73.8	)		(71.7	)		(64.2	)		(56.6	)		(57.4	)		(54.6	)
	852.7			845.7			1,096.3		Nonearning Assets		992.8			978.2			1,164.9			1,249.5			1,218.9			1,189.0			1,197.6
$	7,989.8		$	7,586.4		$	8,384.7		Total Assets	$	8,038.4		$	8,021.3		$	8,719.8		$	8,759.2		$	8,524.4		$	8,572.2		$	8,715.3
									Liabilities & Equity
$	1,018.4		$	1,182.7		$	1,555.9		Noninterest-bearing Demand Deposits	$	1,395.7		$	1,452.6		$	1,636.5		$	1,739.0		$	1,734.0		$	1,764.0		$	1,859.9
	1,250.7			1,221.4			1,472.7		NOW Accounts		1,451.5			1,433.4			1,464.4			1,541.6			1,535.8			1,604.9			1,573.1
	937.6			1,043.3			1,384.3		Savings Accounts		1,159.7			1,252.4			1,513.4			1,611.8			1,612.4			1,668.4			1,734.6
	436.5			361.2			328.6		Money Market Accounts		352.4			336.6			314.7			310.5			292.5			292.7			283.9
	1,956.9			1,709.2			1,596.8		Other Time		1,616.4			1,530.7			1,711.0			1,529.0			1,392.9			1,295.2			1,227.6
	5,600.2			5,517.7			6,338.3		Total Core Deposits		5,975.6			6,005.7			6,640.0			6,731.9			6,567.6			6,625.2			6,679.1
	97.8			44.4			51.0		Brokered CD’s		79.7			65.1			35.8			23.2			21.5			13.6			5.2
	5,698.0			5,562.0			6,389.2		Total Deposits		6,055.3			6,070.8			6,675.7			6,755.0			6,589.1			6,638.8			6,684.3
	527.1			328.5			363.6		Short-term Borrowings		370.8			325.5			340.6			417.6			366.1			356.7			424.3
	812.1			615.0			414.9		Long-term Borrowings		441.5			439.4			461.0			317.6			290.7			289.0			276.3
	1,339.2			943.5			778.5		Total Borrowed Funds		812.4			764.9			801.7			735.1			656.8			645.7			700.5
	228.6			211.7			215.7		Accrued Expenses & Other Liabilities		201.2			194.9			226.4			240.4			236.4			226.4			228.7
	7,265.9			6,717.2			7,383.5		Total Liabilities		7,068.9			7,030.7			7,703.8			7,730.6			7,482.4			7,510.9			7,613.5
	24.1			—			—		Preferred Stock & Surplus		—			—			—			—			—			—			—
	735.0			869.6			990.3		Common Stock, Surplus & Retained Earnings		970.8			983.6			998.5			1,008.5			1,022.7			1,037.6			1,072.8
	(35.3	)		(0.4	)		10.9		Other Comprehensive Income		(1.3	)		7.1			17.6			20.1			19.4			23.7			29.0
	723.9			869.2			1,001.2		Total Shareholders Equity		969.5			990.7			1,016.1			1,028.6			1,042.0			1,061.3			1,101.8
$	7,989.8		$	7,586.4		$	8,384.7		Total Liabilities & Shareholders Equity	$	8,038.4		$	8,021.3		$	8,719.8		$	8,759.2		$	8,524.4		$	8,572.2		$	8,715.3

PAGE 5

Old National Bancorp

Interest Rate Trends (FTE basis)

PERIOD AVERAGES

2009			2010			2011				2011												2012
										1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr			3rd Qtr			4th Qtr
									Earning Assets:
									Fed Funds Sold, Resell Agr, Fed Reserve
	0.17	%		0.24	%		0.33	%	Bank Acct, & Money Mkt		0.24	%		0.25	%		0.24	%		0.16	%		0.24	%		0.13	%		0.25	%
									Investments:
	4.01	%		3.21	%		2.35	%	Treasury & Gov’t Sponsored Agencies		2.45	%		2.29	%		2.27	%		2.39	%		2.31	%		2.37	%		2.40	%
	4.93	%		3.96	%		2.80	%	Mortgage-backed Securities		3.24	%		3.07	%		2.59	%		2.42	%		2.45	%		2.34	%		2.27	%
	6.72	%		6.19	%		5.88	%	States & Political Subdivisions		6.14	%		5.91	%		5.73	%		5.74	%		5.61	%		5.57	%		5.45	%
	4.93	%		4.68	%		4.23	%	Other Securities		4.36	%		4.42	%		4.39	%		4.01	%		4.20	%		3.86	%		3.83	%
	4.96	%		3.93	%		3.30	%	Total Investments		3.72	%		3.56	%		3.30	%		3.28	%		3.33	%		3.27	%		3.22	%
									Loans:
	4.00	%		4.21	%		4.70	%	Commercial		4.27	%		4.40	%		4.73	%		5.07	%		4.63	%		4.62	%		4.39	%
	6.72	%		6.45	%		6.46	%	Commercial Leases (1)		6.57	%		6.48	%		6.21	%		6.59	%		6.30	%		6.72	%		6.28	%
	4.62	%		4.47	%		6.03	%	Commercial & Agriculture Real Estate		5.12	%		5.88	%		6.67	%		6.12	%		6.92	%		7.51	%		6.74	%
									Consumer:
	3.57	%		3.68	%		3.81	%	Home Equity		3.79	%		3.80	%		3.81	%		3.82	%		3.83	%		3.76	%		3.79	%
	7.27	%		7.15	%		7.10	%	Other Consumer Loans		7.19	%		6.88	%		7.29	%		6.75	%		6.68	%		6.26	%		5.89	%
	5.08	%		4.76	%		5.43	%	Subtotal of Commercial & Consumer Loans		5.22	%		5.46	%		5.91	%		5.72	%		5.87	%		6.01	%		5.59	%
	5.63	%		5.64	%		4.87	%	Residential Real Estate Loans (1)		4.96	%		4.90	%		4.87	%		4.77	%		4.59	%		4.65	%		4.44	%
	5.14	%		5.07	%		5.46	%	Total Loans (1)		5.13	%		5.31	%		5.67	%		5.49	%		5.53	%		5.63	%		5.25	%
	5.02	%		4.55	%		4.60	%	Total Earning Assets		4.47	%		4.47	%		4.67	%		4.65	%		4.73	%		4.75	%		4.51	%
									Interest-bearing Liabilities:
	0.04	%		0.03	%		0.04	%	NOW Accounts		0.06	%		0.04	%		0.03	%		0.03	%		0.03	%		0.03	%		0.03	%
	0.38	%		0.30	%		0.29	%	Savings Accounts		0.30	%		0.28	%		0.29	%		0.27	%		0.25	%		0.23	%		0.20	%
	0.10	%		0.10	%		0.10	%	Money Market Accounts		0.11	%		0.11	%		0.10	%		0.10	%		0.10	%		0.10	%		0.10	%
	3.01	%		2.50	%		1.87	%	Other Time		2.13	%		2.13	%		1.85	%		1.45	%		1.86	%		1.82	%		1.73	%
	1.39	%		1.07	%		0.73	%	Total Interest-bearing Deposits		0.86	%		0.82	%		0.74	%		0.55	%		0.64	%		0.58	%		0.53	%
	4.26	%		4.51	%		1.59	%	Brokered CD’s		1.75	%		2.01	%		0.98	%		0.85	%		0.86	%		0.82	%		0.48	%
	1.45	%		1.11	%		0.74	%	Total Interest-bearing Deposits & CD’s		0.87	%		0.83	%		0.74	%		0.55	%		0.64	%		0.58	%		0.53	%
	0.27	%		0.20	%		0.15	%	Short-term Borrowings		0.16	%		0.14	%		0.15	%		0.15	%		0.14	%		0.13	%		0.12	%
	4.96	%		4.74	%		4.16	%	Long-term Borrowings		4.35	%		4.39	%		4.33	%		3.19	%		2.97	%		2.93	%		2.98	%
	3.11	%		3.16	%		2.29	%	Total Borrowed Funds		2.47	%		2.60	%		2.56	%		1.47	%		1.41	%		1.40	%		1.25	%
	1.82	%		1.47	%		0.96	%	Total Interest-bearing Liabilities		1.11	%		1.08	%		0.99	%		0.66	%		0.73	%		0.68	%		0.62	%
	3.20	%		3.08	%		3.64	%	Net Interest Rate Spread		3.36	%		3.39	%		3.68	%		4.00	%		4.00	%		4.07	%		3.89	%
	3.50	%		3.40	%		3.87	%	Net Interest Margin (FTE)		3.62	%		3.67	%		3.96	%		4.20	%		4.20	%		4.26	%		4.09	%
$	20.8		$	13.5		$	11.8		FTE Adjustment ($ in millions)	$	3.0		$	2.9		$	2.9		$	3.0		$	3.1		$	3.3		$	3.3

FTE—Fully taxable equivalent basis

(1) Includes residential loans and leases held for sale.

PAGE 6

Old National Bancorp

Asset Quality (EOP) Excludes Covered Assets (4)

($ in Millions)

2009			2010			2011				2011												2012
										1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr			3rd Qtr			4th Qtr
$	67.1		$	69.5		$	72.3		Beginning Allowance for Loan Losses	$	72.3		$	72.7		$	70.2		$	65.2		$	57.1		$	54.7		$	50.4
	63.3			30.8			6.5		Provision for Loan Losses		3.3			3.2			(0.1	)		0.1			1.0			(3.4	)		(0.3	)
	(78.0	)		(41.3	)		(34.1	)	Gross Charge-offs		(6.3	)		(8.9	)		(7.5	)		(11.4	)		(6.5	)		(4.4	)		(4.4	)
	(0.6	)		—			—		Write-downs from Loans Sold		—			—			—			—			—			—			—
	17.8			13.3			12.4		Gross Recoveries		3.4			3.1			2.6			3.2			3.1			3.5			4.8
	(60.8	)		(28.0	)		(21.7	)	Net Charge-offs		(2.9	)		(5.8	)		(4.9	)		(8.2	)		(3.4	)		(0.9	)		0.4
$	69.5		$	72.3		$	57.1		Ending Allowance for Loan Losses	$	72.7		$	70.2		$	65.2		$	57.1		$	54.7		$	50.4		$	50.4
	1.40	%		0.75	%		0.53	%	Net Charge-offs / Average Loans (1)		0.27	%		0.56	%		0.48	%		0.80	%		0.33	%		0.09	%		-0.03	%
$	4,330.2		$	3,722.9		$	4,139.5		Average Loans Outstanding (1)	$	4,202.0		$	4,153.6		$	4,091.9		$	4,120.2		$	4,109.2		$	4,151.2		$	4,346.6
$	3,835.5		$	3,743.5		$	4,140.8		EOP Loans Outstanding (1)	$	4,190.8		$	4,117.3		$	4,140.1		$	4,140.8		$	4,114.7		$	4,226.3		$	4,794.4
	1.81	%		1.93	%		1.38	%	Allowance for Loan Loss / EOP Loans (1)		1.74	%		1.70	%		1.58	%		1.38	%		1.33	%		1.19	%		1.05	%
									Underperforming Assets:
$	3.5		$	0.6		$	1.1		Loans 90 Days & over (still accruing)	$	0.7		$	0.4		$	1.2		$	1.1		$	0.4		$	0.3		$	0.6
									Non-performing Loans:
	67.0			70.9			115.3		Nonaccrual Loans (2)		121.4			118.4			124.8			115.3			113.0			99.5			161.6
	—			—			1.3		Renegotiated Loans		—			—			—			1.3			1.1			1.2			10.4
	67.0			70.9			116.7		Total Non-performing Loans		121.4			118.4			124.8			116.7			114.1			100.7			172.0
	8.1			5.6			7.1		Foreclosed properties		14.1			9.9			9.4			7.1			6.5			10.8			14.3
$	78.7		$	77.1		$	124.9		Total Underperforming Assets	$	136.3		$	128.8		$	135.3		$	124.9		$	121.0		$	111.7		$	186.8
$	157.1		$	174.3		$	204.1		Classified Loans - “Problem Loans”	$	223.4		$	229.3		$	226.4		$	204.1		$	184.0		$	146.3		$	260.0
	161.2			105.6			106.9		Other Classified Assets		92.5			117.3			113.2			106.9			106.4			102.4			56.4
	103.5			84.0			80.1		Criticized Loans - “Special Mention Loans”		115.8			105.6			98.5			80.1			77.1			103.1			135.3
$	421.7		$	363.9		$	391.1		Total Classified & Criticized Assets	$	431.7		$	452.2		$	438.1		$	391.1		$	367.4		$	351.9		$	451.7
	1.75	%		1.90	%		2.82	%	Non-performing loans /EOP Loans (1)		2.90	%		2.88	%		3.01	%		2.82	%		2.77	%		2.38	%		3.59	%
	104	%		102	%		49	%	Allowance to Non-performing Loans (3)		60	%		59	%		52	%		49	%		48	%		50	%		29	%
	2.05	%		2.06	%		3.02	%	Under-performing Assets /EOP Loans (1)		3.25	%		3.13	%		3.27	%		3.02	%		2.94	%		2.64	%		3.90	%
$	8,005.3		$	7,263.9		$	8,609.7		EOP Total Assets (includes covered assets)	$	8,085.3		$	8,018.8		$	8,932.7		$	8,609.7		$	8,581.1		$	8,689.6		$	9,383.0
	0.98	%		1.06	%		1.45	%	Under-performing Assets / EOP Assets		1.69	%		1.61	%		1.52	%		1.45	%		1.41	%		1.29	%		1.99	%

EOP—End of period actual balances

(1) Excludes residential loans and leases held for sale.

(2) Includes $16.6 million in 3Q12 of renegotiated loans.

(3) Because the acquired loans from Monroe, Integra and IBT were recorded at fair value in accordance with ASC 805 at the date of acquisition, the credit risk is incorporated in the fair value recorded. No allowance for loan losses is recorded on the acquisition date.

(4) The Company entered into separate loss sharing agreements with the FDIC providing for specified credit loss protection for substantially all acquired single family residential loans, commercial loans, and other real estate owned. At Sept. 30, 2012, approximately $448.8 million of loans and $28.8 million of other real estate owned are covered by the loss sharing agreements. As such, eighty percent of losses incurred on these covered assets will be reimbursed to Old National by the FDIC.

PAGE 7

Old National Bancorp

Asset Quality (EOP) Including Covered Assets (4)

($ in Millions)

2009			2010			2011				2011												2012
										1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr			3rd Qtr			4th Qtr
$	67.1		$	69.5		$	72.3		Beginning Allowance for Loan Losses	$	72.3		$	72.7		$	70.2		$	65.5		$	58.1		$	55.9		$	54.8
	63.3			30.8			7.5		Provision for Loan Losses		3.3			3.2			(0.1	)		1.0			2.1			0.4			0.4
	(78.0	)		(41.3	)		(34.9	)	Gross Charge-offs		(6.3	)		(8.9	)		(7.4	)		(12.3	)		(7.6	)		(5.2	)		(5.2	)
	(0.6	)		—			—		Write-downs from Loans Sold		—			—			—			—			—			—			—
	17.8			13.3			13.2		Gross Recoveries		3.4			3.1			2.9			3.8			3.4			3.6			4.8
	(60.8	)		(28.0	)		(21.7	)	Net Charge-offs		(2.9	)		(5.8	)		(4.6	)		(8.5	)		(4.2	)		(1.5	)		(0.4	)
$	69.5		$	72.3		$	58.1		Ending Allowance for Loan Losses	$	72.7		$	70.2		$	65.5		$	58.1		$	55.9		$	54.8		$	54.8
	1.40	%		0.75	%		0.49	%	Net Charge-offs / Average Loans (1)		0.27	%		0.56	%		0.40	%		0.71	%		0.36	%		0.13	%		0.03	%
$	4,330.2		$	3,722.9		$	4,440.5		Average Loans Outstanding (1)	$	4,202.0		$	4,153.6		$	4,596.1		$	4,810.0		$	4,708.4		$	4,680.2		$	4,823.4
$	3,835.5		$	3,743.5		$	4,767.2		EOP Loans Outstanding (1)	$	4,190.8		$	4,117.3		$	4,851.3		$	4,767.2		$	4,663.2		$	4,715.6		$	5,243.2
	1.81	%		1.93	%		1.22	%	Allowance for Loan Loss / EOP Loans (1)		1.74	%		1.70	%		1.35	%		1.22	%		1.20	%		1.16	%		1.04	%
									Underperforming Assets:
$	3.5		$	0.6		$	3.4		Loans 90 Days & over (still accruing)	$	0.7		$	0.4		$	1.9		$	3.4		$	1.3		$	0.9		$	0.6
									Non-performing Loans:
	67.0			70.9			298.2		Nonaccrual Loans (2)		121.4			118.4			323.8			298.2			271.5			240.5			285.3
	—			—			1.3		Renegotiated Loans		—			—			—			1.3			1.1			1.2			10.4
	67.0			70.9			299.5		Total Non-performing Loans		121.4			118.4			323.8			299.5			272.6			241.7			295.7
	8.1			5.6			37.6		Foreclosed properties		14.1			9.9			41.3			37.6			31.2			32.9			43.1
$	78.7		$	77.1		$	340.5		Total Underperforming Assets	$	136.3		$	128.8		$	367.0		$	340.5		$	305.0		$	275.5		$	339.4
$	157.1		$	174.3		$	404.3		Classified Loans - “Problem Loans”	$	223.4		$	229.3		$	442.6		$	404.3		$	370.0		$	310.9		$	408.7
	161.2			105.6			106.9		Other Classified Assets		92.5			117.3			113.2			106.9			106.4			102.4			56.4
	103.5			84.0			103.2		Criticized Loans - “Special Mention Loans”		115.8			105.6			125.4			103.2			97.2			119.3			149.6
$	421.7		$	363.9		$	614.4		Total Classified & Criticized Assets	$	431.7		$	452.2		$	681.2		$	614.4		$	573.6		$	532.7		$	614.7
	1.75	%		1.90	%		6.28	%	Non-performing loans / EOP Loans (1)		2.90	%		2.88	%		6.67	%		6.28	%		5.85	%		5.13	%		5.64	%
	104	%		102	%		19	%	Allowance to Non-performing Loans (3)		60	%		59	%		20	%		19	%		21	%		23	%		19	%
	2.05	%		2.06	%		7.14	%	Under-performing Assets / EOP Loans (1)		3.25	%		3.13	%		7.56	%		7.14	%		6.54	%		5.84	%		6.47	%
$	8,005.3		$	7,263.9		$	8,609.7		EOP Total Assets (includes covered assets)	$	8,085.3		$	8,018.8		$	8,932.7		$	8,609.7		$	8,581.1		$	8,689.6		$	9,383.0
	0.98	%		1.06	%		3.96	%	Under-performing Assets / EOP Assets		1.69	%		1.61	%		4.11	%		3.96	%		3.55	%		3.17	%		3.62	%

EOP—End of period actual balances

(1) Excludes residential loans and leases held for sale.

(2) Includes $16.6 million in 3Q12 of renegotiated loans.

(3) Because the acquired loans from Monroe, Integra and IBT were recorded at fair value in accordance with ASC 805 at the date of acquisition, the credit risk is incorporated in the fair value recorded. No allowance for loan losses is recorded on the acquisition date.

(4) The Company entered into separate loss sharing agreements with the FDIC providing for specified credit loss protection for substantially all acquired single family residential loans, commercial loans, and other real estate owned. At Sept. 30, 2012, approximately $448.8 million of loans and $28.8 million of other real estate owned are covered by the loss sharing agreements. As such, eighty percent of losses incurred on these covered assets will be reimbursed to Old National by the FDIC.

PAGE 8

Old National Bancorp

NON-GAAP MEASURES

Third Quarter 2012

($ In Millions except EPS information)

2009			2010			2011				2011												2012
										1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr			3rd Qtr			4th Qtr
									Actual EOP Balances
$	843.8		$	878.8		$	1,033.6		GAAP Shareholders’ Equity	$	984.0		$	1,008.3		$	1,027.7		$	1,033.6		$	1,050.4		$	1,073.7		$	1,186.8
									Deduct:
	167.9			167.9			253.2		Goodwill		236.3			236.3			266.0			253.2			253.2			253.2			339.9
	32.3			26.2			33.6		Intangibles		34.7			34.1			36.3			33.6			31.6			30.2			31.3
	200.2			194.1			286.8				271.0			270.4			302.3			286.8			284.8			283.4			371.2
$	643.6		$	684.7		$	746.8		Tangible Shareholders’ Equity	$	713.0		$	737.8		$	725.4		$	746.8		$	765.6		$	790.3		$	815.6
									Deduct:
	—			—			—		Preferred Stock, Surplus & Retained Earnings		—			—			—			—			—			—			—
$	643.6		$	684.7		$	746.8		Tangible Common Shareholders’ Equity	$	713.0		$	737.8		$	725.4		$	746.8		$	765.6		$	790.3		$	815.6
									Actual EOP Balances
$	8,005.3		$	7,263.9		$	8,609.7		GAAP Assets	$	8,085.3		$	8,018.8		$	8,932.7		$	8,609.7		$	8,581.1		$	8,689.6		$	9,383.0
									Add:
	0.2			0.5			0.6		Trust Overdrafts		0.1			0.4			0.4			0.6			0.1			0.1			1.7
									Deduct:
	167.9			167.9			253.2		Goodwill		236.3			236.3			266.0			253.2			253.2			253.2			339.9
	32.3			26.2			33.6		Intangibles		34.7			34.1			36.3			33.6			31.6			30.2			31.3
	200.2			194.1			286.8				271.0			270.4			302.3			286.8			284.8			283.4			371.2
$	7,805.4		$	7,070.3		$	8,323.5		Tangible Assets	$	7,814.4		$	7,748.8		$	8,630.8		$	8,323.5		$	8,296.4		$	8,406.2		$	9,013.6
	5,173.1			4,720.9			5,163.5		Risk Weighted Assets		5,062.8			4,978.4			5,406.5			5,163.5			5,147.0			5,099.8			5,604.7
									Actual EOP Balances
$	13.7		$	38.2		$	72.5		GAAP Net Income	$	16.4		$	17.0		$	16.8		$	22.2		$	21.7		$	27.2		$	19.7
									Add:
	4.9			4.6			7.0		Intangible Amortization (net of tax)		1.6			1.5			1.7			2.2			1.6			1.5			1.6
$	18.6		$	42.8		$	79.4		Tangible Net Income	$	18.0		$	18.5		$	18.5		$	24.4		$	23.3		$	28.8		$	21.3
									Tangible Ratios
	2.89	%		6.26	%		10.64	%	Return on Tangible Common Equity		10.10	%		10.05	%		10.20	%		13.08	%		12.19	%		14.55	%		10.46	%
	0.24	%		0.61	%		0.95	%	Return on Tangible Assets		0.92	%		0.96	%		0.86	%		1.17	%		1.13	%		1.37	%		0.95	%
	8.25	%		9.68	%		8.97	%	Tangible Common Equity to Tangible Assets		9.12	%		9.52	%		8.40	%		8.97	%		9.23	%		9.40	%		9.05	%
	12.44	%		14.50	%		14.46	%	Tangible Common Equity to Risk Wgt Assets		14.08	%		14.82	%		13.42	%		14.46	%		14.88	%		15.50	%		14.55	%
	7.38			7.85			7.89		Tangible Common Book Value (1)		7.53			7.79			7.66			7.89			8.09			8.35			8.04

Tangible Common Equity is defined as GAAP Shareholders’ Equity less Preferred Stock, Goodwill and Intangibles. Tangible Common Equity presentation includes Other Comprehensive Income (OCI) as is common in other company releases.

(1) Tangible Common Shareholders’ Equity Divided By Common Shares Issued and Outstanding at Period-End.

PAGE 9