Regulatory Restrictions (Tables)

12 Months Ended

Dec. 31, 2018

The following table summarizes capital ratios for Old National and Old National Bank as of December 31:

						Fully Phased-In
						Regulatory						Well Capitalized
	Actual					Guidelines Minimum (1)						Guidelines
(dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount			Ratio
2018
Total capital to risk- weighted assets
Old National Bancorp	$	1,748,231		12.27	%	$	1,496,099		10.50	%	$	N/A		N/A		%
Old National Bank		1,769,930		12.47			1,489,938		10.50				1,418,989		10.00
Common equity Tier 1 capital to risk-weighted assets
Old National Bancorp		1,617,936		11.36			997,399		7.00			N/A		N/A
Old National Bank		1,699,945		11.98			993,292		7.00				922,343		6.50
Tier 1 capital to risk-weighted assets
Old National Bancorp		1,617,936		11.36			1,211,128		8.50			N/A		N/A
Old National Bank		1,699,945		11.98			1,206,141		8.50				1,135,191		8.00
Tier 1 capital to average assets
Old National Bancorp		1,617,936		9.17			705,681		4.00			N/A		N/A
Old National Bank		1,699,945		9.58			709,929		4.00				887,412		5.00
2017
Total capital to risk-weighted assets
Old National Bancorp	$	1,424,123		11.40	%	$	1,311,600		10.50	%	$	N/A		N/A		%
Old National Bank		1,458,546		11.73			1,305,076		10.50				1,242,929		10.00
Common equity Tier 1 capital to risk-weighted assets
Old National Bancorp		1,298,327		10.39			874,400		7.00			N/A		N/A
Old National Bank		1,393,059		11.21			870,051		7.00				807,904		6.50
Tier 1 capital to risk-weighted assets
Old National Bancorp		1,298,327		10.39			1,061,772		8.50			N/A		N/A
Old National Bank		1,393,059		11.21			1,056,490		8.50				994,344		8.00
Tier 1 capital to average assets
Old National Bancorp		1,298,327		8.28			627,258		4.00			N/A		N/A
Old National Bank		1,393,059		8.93			623,758		4.00				779,697		5.00

(1)

As of January 1, 2019, Basel III Capital Rules required banking organizations to maintain: a minimum ratio of common equity Tier 1 to risk-weighted assets of at least 4.5%, plus a 2.5% “capital conservation buffer”; a minimum ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the 2.5% capital conservation buffer; a minimum ratio of total capital to risk-weighted assets of at least 8.0%, plus the 2.5% capital conservation buffer; and a minimum ratio of Tier 1 capital to adjusted average consolidated assets of at least 4.0%.