0001628280-23-034949.txt : 20231024 0001628280-23-034949.hdr.sgml : 20231024 20231024080627 ACCESSION NUMBER: 0001628280-23-034949 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20231024 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20231024 DATE AS OF CHANGE: 20231024 FILER: COMPANY DATA: COMPANY CONFORMED NAME: OLD NATIONAL BANCORP /IN/ CENTRAL INDEX KEY: 0000707179 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 351539838 STATE OF INCORPORATION: IN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-15817 FILM NUMBER: 231341208 BUSINESS ADDRESS: STREET 1: ONE MAIN ST CITY: EVANSVILLE STATE: IN ZIP: 47708 BUSINESS PHONE: 8124641434 MAIL ADDRESS: STREET 1: ONE MAIN ST CITY: EVANSVILLE STATE: IN ZIP: 47708 FORMER COMPANY: FORMER CONFORMED NAME: O DATE OF NAME CHANGE: 19950822 8-K 1 onb-20231024.htm 8-K onb-20231024
Old National Bancorp /IN/0000707179FALSE00007071792023-10-242023-10-240000707179us-gaap:CommonStockMember2023-10-242023-10-240000707179us-gaap:SeriesAPreferredStockMember2023-10-242023-10-240000707179us-gaap:SeriesCPreferredStockMember2023-10-242023-10-24



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 24, 2023
_________________________________________________________
OLD NATIONAL BANCORP
(Exact name of Registrant as specified in its charter)
_________________________________________________________
Indiana001-1581735-1539838
(State or other jurisdiction of incorporation)
(Commission File Number)
(IRS Employer Identification No.)

One Main Street
Evansville, Indiana47708
(Address of Principal Executive Offices)
 (Zip Code)
Registrant’s telephone number, including area code: (773) 765-7675
________________________________________________________
(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))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading
Symbol(s)
Name of each exchange on which registered
Common stock, no par valueONBThe NASDAQ Stock Market LLC
Depositary Shares, each representing a 1/40th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series AONBPPThe NASDAQ Stock Market LLC
Depositary Shares, each representing a 1/40th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series CONBPOThe NASDAQ Stock Market LLC
Indicate by check mark whether the Registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (s230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (s240.12b-2 of this chapter).
Emerging growth company    ☐
If an emerging growth company, indicate by check mark if the Registrant has elected not to use extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ☐




Item 2.02 Results of Operations and Financial Condition.

On October 24, 2023, Old National Bancorp (the “Company”) issued a press release (“Press Release”) reporting its financial results for the third quarter of 2023. The Press Release is furnished as Exhibit 99.1 hereto and is incorporated herein by reference. A slide presentation outlining third quarter of 2023 earnings, strategic developments, and the Company’s financial outlook will be available on the “Investor Relations” section of the Company’s website to complement the conference call to be held on October 24, 2023, at 9:00 a.m. CDT and will be accessible at http://www.oldnational.com immediately before the conference call begins.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.    Description

99.1    Press Release issued by Old National Bancorp on October 24, 2023.

104        Cover Page Interactive Data File (embedded within the Inline XBRL document).
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 24, 2023

OLD NATIONAL BANCORP

By: /s/ Brendon B. Falconer
Brendon B. Falconer
Senior Executive Vice President and
Chief Financial Officer


3

 EX-99.1 2 onb_exhibit991er3q23.htm EX-99.1 Document
Exhibit 99.1
capturea.jpg
Old National's 3rd Quarter Results Supported by Strong
Deposit Franchise, Ample Capital, and Expense Discipline
Evansville, Ind. (October 24, 2023)
Old National Bancorp (NASDAQ: ONB) reports 3Q23 net income applicable to common shares of $143.8 million, diluted EPS of $0.49; $149.3 million and $0.51 on an adjusted1 basis, respectively.
CEO COMMENTARY:
"With a nearly 3% quarterly increase in total deposits, Old National once again demonstrated the strength and stability of our deposit franchise," said CEO Jim Ryan. "Additionally, our strong capital and liquidity position, disciplined expense management, and excellent credit metrics continue to position Old National to pursue our growth strategy while focusing intently on serving our clients and strengthening the communities we serve."
THIRD QUARTER HIGHLIGHTS2:
Net Income
•Net income applicable to common shares of $143.8 million; adjusted net income applicable to common shares1 of $149.3 million
•Earnings per diluted common share ("EPS") of $0.49; adjusted EPS1 of $0.51
Net Interest Income/NIM
•Net interest income on a fully taxable equivalent basis1 of $380.9 million
•Net interest margin on a fully taxable equivalent basis1 ("NIM") of 3.49%, down 11 basis points ("bps")
Operating Performance
•Pre-provision net revenue1 (“PPNR”) of $217.1 million; adjusted PPNR1 of $223.6 million
•Noninterest expense of $244.8 million; adjusted noninterest expense1 of $238.5 million
•Efficiency ratio1 of 51.7%; adjusted efficiency ratio1 of 49.7%
Deposits and Funding
•Period-end total deposits of $37.3 billion, up 2.8%; core deposits up 3.1%
•Granular low-cost deposit franchise; total deposit costs of 161 bps and a cycle to date (2Q22-3Q23) total deposit beta of 30% (interest-bearing deposit beta of 42%)
Loans and Credit Quality
•End-of-period total loans3 of $32.7 billion, up 0.5%; up 1.7% excluding commercial loan sales
•Provision for credit losses4 ("provision") of $19.1 million
•Net charge-offs of $19.7 million, or 24 bps of average loans; includes $12 million, or 15 bps, related to an isolated commercial & industrial ("C&I") credit that is not indicative of broader credit concerns in the portfolio
•30+ day delinquencies of 0.18% and non-performing loans of 0.80% of total loans
Return Profile & Capital
•Return on average tangible common equity1 of 20.2%; adjusted return on average tangible common equity1 of 20.9%
Notable Items
•$6.3 million of merger-related charges
1 Non-GAAP financial measure that management believes is useful in evaluating the financial results of the Company – refer to the Non-GAAP reconciliations contained in this release 2 Comparisons are on a linked-quarter basis, unless otherwise noted 3 Includes loans held-for-sale
4 Includes the provision for unfunded commitments 5 Uninsured and uncollateralized deposits include the estimate of Old National Bank federally uninsured deposits for regulatory purposes, as adjusted for $1.5 billion of affiliate deposits and $4.5 billion of collateralized or otherwise insured deposits



RESULTS OF OPERATIONS
Old National reported third quarter 2023 net income applicable to common shares of $143.8 million, or $0.49 per diluted common share.
Included in the third quarter were pre-tax charges of $6.3 million related to the February 15, 2022 merger with First Midwest Bancorp, Inc. ("First Midwest"). Excluding these transactions and realized debt securities losses from the current quarter, adjusted net income was $149.3 million, or $0.51 per diluted common share.
DEPOSITS AND FUNDING
Growth in low-cost deposits including normal seasonal patterns in public funds.
•Period-end total deposits were $37.3 billion at September 30, 2023, up $1.0 billion, or 2.8%; core deposits increased 3.1%
◦Reflect continuing effective competition for new client relationships.
◦Include normal seasonal patterns in public funds; increased $320 million.
•On average, total deposits for the third quarter were $36.7 billion, an increase of 4.4%.
•Granular low-cost deposit franchise; total deposit costs of 161 bps and a cycle to date total deposit beta of 30% (interest-bearing deposit beta of 42%).
•Deposits that were either insured or collateralized5 at September 30, 2023 were more than 70% of total deposits.
•A loan to deposit ratio of 88% at September 30, 2023, combined with existing funding sources provides strong liquidity.

LOANS
Broad-based disciplined commercial loan growth.
•Period-end total loans3 were $32.7 billion at September 30, 2023, up 0.5% from June 30, 2023 and up 1.7% excluding commercial loan sales of $389 million.
•Total commercial loan production in the third quarter was $1.5 billion; period-end commercial pipeline totaled $2.0 billion, down from $3.1 billion at June 30, 2023.
•Average total loans in the third quarter were $32.7 billion, an increase of $394.6 million from the second quarter of 2023.

CREDIT QUALITY
Strong credit quality continues to be a hallmark of Old National.
•Provision4 expense in the third quarter of 2023 was $19.1 million, compared to $14.8 million in the second quarter of 2023, reflecting net charge-offs, loan growth, as well as economic factors.
•Net charge-offs in the third quarter were $19.7 million, or 24 bps of average loans compared to net charge-offs of 13 bps of average loans in the second quarter of 2023; includes $12.2 million, or 15 bps, related to a single C&I credit that is not representative of broader credit concerns.
•30+ day delinquencies as a percentage of loans were 0.18% at the end of the third quarter of 2023, compared to 0.12% at the end of the second quarter of 2023.
•Non-performing loans as a percentage of total loans were 0.80% compared to 0.91% for the second quarter of 2023.
•Loans acquired from previous acquisitions were recorded at fair value at the acquisition date. As of September 30, 2023, the remaining discount on these acquired loans was $83.0 million.
•The allowance for credit losses, including the allowance for credit losses on unfunded commitments, stood at $336.9 million, or 1.03% of total loans at September 30, 2023, compared to $337.6 million, or 1.04% of total loans at June 30, 2023.

NET INTEREST INCOME AND MARGIN
Lower net interest income and margin compression reflective of the rate environment.
•Net interest income on a fully taxable equivalent basis decreased to $380.9 million in the third quarter of 2023 compared to $388.0 million in the second quarter of 2023, driven by higher funding costs, partly offset by loan growth and higher rates on interest-earning assets.
•Net interest margin on a fully taxable equivalent basis decreased 11 bps to 3.49% compared to the second quarter of 2023.
2

•Accretion income on loans and borrowings was $7.5 million, or 7 bps of net interest margin, in the third quarter of 2023 compared to $6.6 million, or 6 bps of net interest margin, in the second quarter of 2023.
•Cost of total deposits was 1.61%, increasing 46 bps and the cost of total interest-bearing deposits increased 56 bps to 2.22% in the third quarter of 2023.

NONINTEREST INCOME
Increases in all fee income categories offset by lower company-owned life insurance and other income.
•Total noninterest income for the third quarter of 2023 was $81.0 million.
•Excluding realized debt securities gains/losses for both periods, adjusted noninterest income for the third quarter was down 1.0% compared to the second quarter of 2023, due to lower company-owned life insurance and other income partially offset by increases in all fee income categories.

NONINTEREST EXPENSE
Disciplined expense management.
•Noninterest expense for the third quarter of 2023 was $244.8 million and included $6.3 million of merger-related charges.
•Excluding these items, adjusted noninterest expense for the third quarter was $238.5 million, compared to $240.6 million for the second quarter of 2023; decrease was driven by higher salary and employee benefits for the second quarter of 2023 resulting from performance-driven incentive accruals; other expense higher due primarily to a single operational loss.
•The efficiency ratio1 was 51.7%, while the adjusted efficiency ratio1 was 49.7% for the third quarter of 2023 compared to 51.2% and 49.4%, respectively, for the second quarter of 2023.

INCOME TAXES
•Income tax expense in the third quarter of 2023 was $44.3 million, resulting in an effective tax rate of 23.1% compared to 23.4% in the second quarter of 2023. On an adjusted fully taxable equivalent ("FTE") basis, the effective tax rate was 25.3% in the third quarter compared to 25.2% in the second quarter.
•Income tax expense included $3.0 million of tax credit benefit.

CAPITAL
Capital ratios remain strong.
•All regulatory capital ratios grew in the quarter with preliminary total risk-based capital up 18 bps to 12.32% and preliminary regulatory Tier 1 capital up 27 bps to 11.06%, driven by retained earnings.
•Tangible common equity to tangible assets was 6.15% at the end of the third quarter compared to 6.33% in the second quarter of 2023.
CONFERENCE CALL AND WEBCAST
Old National will host a conference call and live webcast at 9:00 a.m. Central Time on Tuesday, October 24, 2023, to review third quarter financial results. The live audio webcast link and 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. To listen to the live conference call, dial U.S. (888) 300-3045 or International (646) 568-1027, Access code 5258325. A replay of the call will also be available from approximately noon Central Time on October 24, 2023 through November 8, 2023. To access the replay, dial U.S. (800) 770-2030 or International (647) 362-9199, Access code 5258325.
ABOUT OLD NATIONAL
Old National Bancorp (NASDAQ: ONB) is the holding company of Old National Bank, which is the sixth largest commercial bank headquartered in the Midwest. With approximately $49 billion of assets and $28 billion of assets under management, Old National ranks among the top 30 banking companies headquartered in the U.S. Tracing our roots to 1834, Old National Bank has focused on community banking by building long-term, highly valued partnerships with clients and in the communities it serves. In addition to providing extensive services in retail and commercial banking, Old National offers comprehensive wealth management, investment, and capital market services. For more information and financial data, please visit Investor Relations at oldnational.com.
3

USE OF NON-GAAP FINANCIAL MEASURES
The Company's accounting and reporting policies conform to U.S. generally accepted accounting principles ("GAAP") and general practices within the banking industry. As a supplement to GAAP, the Company provides non-GAAP performance results, which the Company believes are useful because they assist investors in assessing the Company's operating performance. 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 the tables at the end of this release.
The Company presents EPS, the efficiency ratio, return on average common equity, and return on average tangible common equity, all adjusted for certain notable items. These items include merger-related charges associated with completed acquisitions, gains/losses on sales of debt securities, expenses related to the tragic April 10 event at our downtown Louisville location ("Louisville expenses"), property optimization charges, gain on sale of health savings accounts and the current expected credit loss ("CECL") Day 1 non-PCD provision expense. Management believes excluding these items from EPS, the efficiency ratio, return on average common equity, and return on average tangible common equity may be useful in assessing the Company's underlying operational performance since these items do not pertain to its core business operations and their exclusion may facilitate better comparability between periods. Management believes that excluding merger-related charges and the CECL Day 1 non-PCD provision expense from these metrics may be useful to the Company, as well as analysts and investors, since these expenses can vary significantly based on the size, type, and structure of each acquisition. Additionally, management believes excluding these items from these metrics may enhance comparability for peer comparison purposes.
Income tax expense, provision for credit losses, and the certain notable items listed above are excluded from the calculation of pre-provision net revenues, adjusted due to the fluctuation in income before income tax and the level of provision for credit losses required. Management believes pre-provision net revenues, adjusted may be useful in assessing the Company's underlying operating performance and their exclusion may facilitate better comparability between periods and for peer comparison purposes.
The Company presents adjusted noninterest expense, which excludes merger-related charges and property optimization charges, Louisville expenses, as well as adjusted noninterest income, which excludes the gain on sale of health savings accounts and gains/losses on sales of debt securities. Management believes that excluding these items from noninterest expense and noninterest income may be useful in assessing the Company’s underlying operational performance as these items either do not pertain to its core business operations or their exclusion may facilitate better comparability between periods and for peer comparison purposes.
The tax-equivalent adjustment to net interest income and net interest margin recognizes the income tax savings when comparing taxable and tax-exempt assets. Interest income and yields on tax-exempt securities and loans are presented using the current federal income tax rate of 21%. Management believes that it is standard practice in the banking industry to present net interest income and net interest margin on a fully tax-equivalent basis and that it may enhance comparability for peer comparison purposes.
In management's view, tangible common equity measures are capital adequacy metrics that may be meaningful to the Company, as well as analysts and investors, in assessing the Company's use of equity and in facilitating comparisons with peers. These non-GAAP measures are valuable indicators of a financial institution's capital strength since they eliminate intangible assets from stockholders' equity and retain the effect of accumulated other comprehensive loss in stockholders' equity.
Although intended to enhance investors' understanding of the Company's business and performance, these non-GAAP financial measures should not be considered an alternative to GAAP. In addition, these non-GAAP financial measures may differ from those used by other financial institutions to assess their business and performance. See the previously provided tables and the following reconciliations in the "Non-GAAP Reconciliations" section for details on the calculation of these measures to the extent presented herein.
4

FORWARD-LOOKING STATEMENTS
This communication contains certain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Act”), notwithstanding that such statements are not specifically identified as such. In addition, certain statements may be contained in our future filings with the SEC, in press releases, and in oral and written statements made by us or with our approval that are not statements of historical fact and constitute forward‐looking statements within the meaning of the Act. These statements include, but are not limited to, descriptions of Old National’s financial condition, results of operations, asset and credit quality trends, profitability and business plans or opportunities. Forward-looking statements can be identified by the use of the words "anticipate," "believe," "contemplate," "could," "estimate," "expect," "intend," "may," "outlook," "plan," "should," and "will," 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. There are a number of factors that could cause actual results or outcomes to differ materially from those in such statements. Factors that might cause such a difference include, but are not limited to: competition; government legislation, regulations and policies; the ability of Old National to execute its business plan; unanticipated changes in our liquidity position, including but not limited to changes in our access to sources of liquidity and capital to address our liquidity needs; changes in economic conditions and economic and business uncertainty which could materially impact credit quality trends and the ability to generate loans and gather deposits; inflation and governmental responses to inflation, including increasing interest rates; market, economic, operational, liquidity, credit, and interest rate risks associated with our business; our ability to successfully manage our credit risk and the sufficiency of our allowance for credit losses; uncertainty about the discontinued use of LIBOR and the transition to an alternative rate; the potential impact of future business combinations on our performance and financial condition, including our ability to successfully integrate the businesses and the success of revenue-generating and cost reduction initiatives; failure or circumvention of our internal controls; operational risks or risk management failures by us or critical third parties, including without limitation with respect to data processing, information systems, cybersecurity, technological changes, vendor issues, business interruption, and fraud risks; significant changes in accounting, tax or regulatory practices or requirements; new legal obligations or liabilities; disruptive technologies in payment systems and other services traditionally provided by banks; failure or disruption of our information systems; computer hacking and other cybersecurity threats; the effects of climate change on Old National and its customers, borrowers, or service providers; political and economic uncertainty and instability; the impacts of pandemics, epidemics and other infectious disease outbreaks; other matters discussed in this communication; and other factors identified in our Annual Report on Form 10-K for the year ended December 31, 2022 and other filings with the Securities and Exchange Commission. These forward-looking statements are made only as of the date of this communication and are not guarantees of future results, performance or outcomes, and Old National does not undertake an obligation to update these forward-looking statements to reflect events or conditions after the date of this communication.

CONTACTS:
Media: Kathy SchoettlinInvestors: Lynell Durchholz
(812) 465-7269(812) 464-1366
Kathy.Schoettlin@oldnational.com
Lynell.Durchholz@oldnational.com
5

Financial Highlights (unaudited)
($ and shares in thousands, except per share data)
Three Months EndedNine Months Ended
September 30,June 30,March 31,December 31, September 30,September 30,September 30,
2023202320232022202220232022
Income Statement
Net interest income$375,086 $382,171 $381,488 $391,090 $376,589 $1,138,745 $936,846 
FTE adjustment1,4
5,837 5,825 5,666 5,378 4,950 17,328 13,036 
Net interest income - tax equivalent basis4
380,923 387,996 387,154 396,468 381,539 1,156,073 949,882 
Provision for credit losses2
19,068 14,787 13,437 11,408 15,490 47,292 133,391 
Noninterest income80,938 81,629 70,681 165,037 80,385 233,248 234,742 
Noninterest expense2
244,776 246,584 250,711 282,675 262,444 742,071 755,508 
Net income available to common shareholders$143,842 $151,003 $142,566 $196,701 $136,119 $437,411 $217,468 
Per Common Share Data
Weighted average diluted shares291,717 291,266 292,756 293,131 292,483 291,809 271,123 
EPS, diluted$0.49 $0.52 $0.49 $0.67 $0.47 $1.50 $0.80 
Cash dividends0.14 0.14 0.14 0.14 0.14 0.42 0.42 
Dividend payout ratio3
29 %27 %29 %21 %30 %28 %53 %
Book value$17.07 $17.25 $17.24 $16.68 $16.05 $17.07 $16.05 
Stock price14.54 13.94 14.42 17.98 16.47 14.54 16.47 
Tangible book value4
9.87 10.03 9.98 9.42 8.75 9.87 8.75 
Performance Ratios
ROAA1.22 %1.29 %1.25 %1.74 %1.22 %1.25 %0.72 %
ROAE11.4 %12.0 %11.6 %16.8 %11.1 %11.7 %6.3 %
ROATCE4
20.2 %21.4 %21.0 %31.5 %20.5 %20.8 %11.5 %
NIM (FTE)3.49 %3.60 %3.69 %3.85 %3.71 %3.59 %3.34 %
Efficiency ratio4
51.7 %51.2 %52.8 %49.1 %55.3 %51.9 %62.2 %
Efficiency ratio (prior presentation)5
N/AN/AN/AN/A56.2 %56.20 %N/A63.5 %
NCOs to average loans0.24 %0.13 %0.21 %0.05 %0.10 %0.19 %0.06 %
ACL on loans to EOP loans0.93 %0.93 %0.94 %0.98 %0.99 %0.93 %0.99 %
ACL6 to EOP loans
1.03 %1.04 %1.05 %1.08 %1.08 %1.03 %1.08 %
NPLs to EOP loans0.80 %0.91 %0.74 %0.81 %0.81 %0.80 %0.81 %
Balance Sheet (EOP)
Total loans$32,577,834$32,432,473$31,822,374$31,123,641$30,528,933$32,577,834$30,528,933
Total assets49,059,44848,496,75547,842,64446,763,37246,215,52649,059,44846,215,526
Total deposits37,252,67636,231,31534,917,79235,000,83036,053,66337,252,67636,053,663
Total borrowed funds5,556,0106,034,0086,740,4545,586,3144,264,7505,556,0104,264,750
Total shareholders' equity5,239,5375,292,0955,277,4265,128,5954,943,3835,239,5374,943,383
Capital Ratios
Risk-based capital ratios (EOP):
Tier 1 common equity10.41 %10.14 %9.98 %10.03 %9.88 %10.41 %9.88 %
Tier 1 capital11.06 %10.79 %10.64 %10.71 %10.58 %11.06 %10.58 %
Total capital12.32 %12.14 %11.96 %12.02 %11.84 %12.32 %11.84 %
Leverage ratio (average assets)8.70 %8.59 %8.53 %8.52 %8.26 %8.70 %8.26 %
Equity to assets (averages)4
10.88 %10.96 %11.00 %10.70 %11.18 %10.95 %11.43 %
TCE to TA4
6.15 %6.33 %6.37 %6.18 %5.82 %6.15 %5.82 %
Nonfinancial Data
Full-time equivalent employees 3,9814,0214,0233,9674,0083,9814,008
Banking centers257256256263263257263
1 Calculated using the federal statutory tax rate in effect of 21% for all periods.
2 Provision for unfunded commitments is included in the provision for credit losses. The reclassification of the provision for unfunded commitments out of other expense as a component of noninterest expense was made to amounts prior to December 31, 2022 to conform to the current period presentation.
3 Cash dividends per common share divided by net income per common share (basic).
4 Represents a non-GAAP financial measure. Refer the "Non-GAAP Measures" table for reconciliations to GAAP financial measures.
   September 30, 2023 capital ratios are preliminary.
5 Presented as calculated prior to December 31, 2022, which included the provision for unfunded commitments in noninterest expense. Management believes that removing the provision for unfunded commitments from this metric enhances comparability for peer comparison purposes.
6 Includes the allowance for credit losses on loans and unfunded commitments.
  FTE - Fully taxable equivalent basis ROAA - Return on average assets ROAE - Return on average equity ROATCE - Return on average tangible common equity
 NCOs - Net Charge-offs ALL - Allowance for loan losses ACL - Allowance for Credit Losses
  EOP - End of period actual balances NPLs - Non-performing Loans TCE - Tangible common equity TA - Tangible assets
6

Income Statement (unaudited)
($ and shares in thousands, except per share data)
Three Months EndedNine Months Ended
September 30,June 30,March 31,December 31, September 30,September 30,September 30,
2023202320232022202220232022
Interest income$576,519 $544,902 $495,649 $457,821 $406,518 $1,617,070 $996,381 
Less: interest expense201,433 162,731 114,161 66,731 29,929 478,325 59,535 
 Net interest income375,086 382,171 381,488 391,090 376,589 1,138,745 936,846 
Provision for credit losses1
19,068 14,787 13,437 11,408 15,490 47,292 133,391 
 Net interest income
  after provision for credit losses		356,018 367,384 368,051 379,682 361,099 1,091,453 803,455 
Wealth and investment services fees26,687 26,521 26,920 25,668 25,359 80,128 75,183 
Service charges on deposit accounts18,524 17,751 17,003 18,109 20,042 53,278 54,392 
Debit card and ATM fees10,818 10,653 9,982 10,798 10,608 31,453 29,429 
Mortgage banking revenue5,063 4,165 3,400 3,888 5,360 12,628 19,127 
Capital markets income5,891 6,173 6,939 5,377 8,906 19,003 20,609 
Company-owned life insurance3,740 4,698 3,186 3,108 3,361 11,624 11,456 
Gain on sale of health savings accounts— — — 90,673 — — — 
Other income10,456 11,651 8,467 7,589 6,921 30,574 24,461 
Gains (losses) on sales of debt securities(241)17 (5,216)(173)(172)(5,440)85 
Total noninterest income80,938 81,629 70,681 165,037 80,385 233,248 234,742 
Salaries and employee benefits131,541 135,810 137,364 142,459 147,203 404,715 433,167 
Occupancy25,795 26,085 28,282 26,488 26,418 80,162 73,933 
Equipment8,284 7,721 7,389 7,591 7,328 23,394 20,046 
Marketing9,448 9,833 9,417 8,508 10,361 28,698 23,756 
Technology20,592 20,056 19,202 19,951 20,269 59,850 64,914 
Communication4,075 4,232 4,461 4,159 5,392 12,768 14,687 
Professional fees5,956 6,397 6,732 6,360 6,559 19,085 32,686 
FDIC assessment9,000 9,624 10,404 5,809 6,249 29,028 13,523 
Amortization of intangibles6,040 6,060 6,186 6,787 7,089 18,286 19,070 
Amortization of tax credit investments2,644 2,762 2,761 5,258 2,662 8,167 5,703 
Property optimization— 242 1,317 26,818 — 1,559 — 
Other expense1
21,401 17,762 17,196 22,487 22,914 56,359 54,023 
 Total noninterest expense244,776 246,584 250,711 282,675 262,444 742,071 755,508 
  Income before income taxes192,180 202,429 188,021 262,044 179,040 582,630 282,689 
  Income tax expense44,304 47,393 41,421 61,309 38,887 133,118 55,137 
Net income$147,876 $155,036 $146,600 $200,735 $140,153 $449,512 $227,552 
 Preferred dividends(4,034)(4,033)(4,034)(4,034)(4,034)(12,101)(10,084)
Net income applicable to common shares$143,842 $151,003 $142,566 $196,701 $136,119 $437,411 $217,468 
EPS, diluted$0.49 $0.52 $0.49 $0.67 $0.47 $1.50 $0.80 
Weighted Average Common Shares Outstanding
    Basic290,648290,559291,088291,012290,961290,763269,843
    Diluted291,717291,266292,756293,131292,483291,809271,123
Common shares outstanding (EOP)292,586292,597291,922292,903292,880292,586292,880
1 Provision for unfunded commitments is included in the provision for credit losses. The reclassification of the provision for unfunded commitments out of other expense as a component of noninterest expense was made to amounts prior to December 31, 2022 to conform to the current period presentation.
7

End of Period Balance Sheet (unaudited)
($ in thousands)
September 30,June 30,March 31,December 31, September 30,
20232023202320222022
Assets
Cash and due from banks$381,343 $473,023 $386,879 $453,432 $466,846 
Money market and other interest-earnings investments1,282,087 724,863 727,056 274,980 334,765 
Investments:
Treasury and government-sponsored agencies2,515,249 2,309,285 2,236,412 2,195,175 2,186,551 
Mortgage-backed securities4,906,290 5,168,458 5,395,680 5,476,719 5,584,241 
States and political subdivisions1,705,200 1,760,725 1,785,073 1,827,164 1,829,561 
Other securities751,404 802,323 826,575 730,476 693,303 
Total investments9,878,143 10,040,791 10,243,740 10,229,534 10,293,656 
Loans held-for-sale, at fair value122,033 114,369 10,584 11,926 19,748 
Loans:
Commercial9,333,448 9,698,241 9,751,875 9,508,904 9,311,148 
Commercial and agriculture real estate13,916,221 13,450,209 12,908,380 12,457,070 12,227,888 
Residential real estate6,696,288 6,684,480 6,568,666 6,460,441 6,267,306 
Consumer2,631,877 2,599,543 2,593,453 2,697,226 2,722,591 
Total loans32,577,834 32,432,473 31,822,374 31,123,641 30,528,933 
Allowance for credit losses on loans(303,982)(300,555)(298,711)(303,671)(302,254)
Premises and equipment, net565,607 564,299 566,758 557,307 588,021 
Operating lease right-of-use assets179,284 184,700 183,687 189,714 187,626 
Goodwill and other intangible assets2,106,835 2,112,875 2,118,935 2,125,121 2,135,792 
Company-owned life insurance774,517 771,753 770,471 768,552 767,089 
Other assets 1,495,747 1,378,164 1,310,871 1,332,836 1,195,304 
Total assets$49,059,448 $48,496,755 $47,842,644 $46,763,372 $46,215,526 
Liabilities and Equity
Noninterest-bearing demand deposits$10,091,352 $10,532,838 $10,995,083 $11,930,798 $12,400,077 
Interest-bearing:
Checking and NOW accounts7,495,417 7,654,202 7,903,520 8,340,955 8,963,014 
Savings accounts5,296,985 5,578,323 6,030,255 6,326,158 6,616,512 
Money market accounts8,793,218 7,200,288 5,867,239 5,389,139 5,602,729 
Other time deposits4,398,182 4,012,813 3,361,979 2,775,991 2,393,083 
Total core deposits36,075,154 34,978,464 34,158,076 34,763,041 35,975,415 
Brokered deposits1,177,522 1,252,851 759,716 237,789 78,248 
Total deposits37,252,676 36,231,315 34,917,792 35,000,830 36,053,663 
Federal funds purchased and interbank borrowings918 136,060 618,955 581,489 301,031 
Securities sold under agreements to repurchase279,061 311,447 393,018 432,804 438,053 
Federal Home Loan Bank advances4,412,576 4,771,183 4,981,612 3,829,018 2,804,617 
Other borrowings863,455 815,318 746,869 743,003 721,049 
Total borrowed funds5,556,010 6,034,008 6,740,454 5,586,314 4,264,750 
Operating lease liabilities199,937 206,178 205,249 211,964 207,725 
Accrued expenses and other liabilities811,288 733,159 701,723 835,669 746,005 
Total liabilities43,819,911 43,204,660 42,565,218 41,634,777 41,272,143 
Preferred stock, common stock, surplus, and retained earnings6,208,352 6,100,728 5,985,784 5,915,017 5,751,833 
Accumulated other comprehensive income (loss), net of tax(968,815)(808,633)(708,358)(786,422)(808,450)
Total shareholders' equity5,239,537 5,292,095 5,277,426 5,128,595 4,943,383 
Total liabilities and shareholders' equity$49,059,448 $48,496,755 $47,842,644 $46,763,372 $46,215,526 
8

Average Balance Sheet and Interest Rates (unaudited)
($ in thousands)
Three Months EndedThree Months EndedThree Months Ended
September 30, 2023June 30, 2023September 30, 2022
Average
Income1/
Yield/Average
Income1/
Yield/Average
Income1/
Yield/
Earning Assets:BalanceExpenseRateBalanceExpenseRateBalanceExpenseRate
Money market and other interest-earning investments$980,813 $13,194 5.34 %$724,601 $8,966 4.96 %$514,362 $935 0.72 %
Investments:
Treasury and government-sponsored agencies2,376,864 23,037 3.88 %2,222,269 19,355 3.48 %2,326,070 13,212 2.27 %
Mortgage-backed securities5,079,091 33,237 2.62 %5,301,084 34,291 2.59 %5,891,283 36,157 2.45 %
States and political subdivisions1,737,037 14,220 3.27 %1,768,897 14,396 3.26 %1,829,322 14,631 3.20 %
Other securities793,196 10,127 5.11 %824,482 9,995 4.85 %718,735 6,781 3.77 %
Total investments9,986,188 80,621 3.23 %10,116,732 78,037 3.09 %10,765,410 70,781 2.63 %
Loans:2
Commercial9,612,102 163,869 6.82 %9,862,728 163,721 6.64 %9,045,009 113,491 5.02 %
Commercial and agriculture real estate13,711,156 219,575 6.41 %13,164,390 199,287 6.06 %11,929,892 136,780 4.59 %
Residential real estate loans6,712,269 62,775 3.74 %6,643,254 60,718 3.66 %6,189,503 56,432 3.65 %
Consumer2,614,928 42,322 6.42 %2,585,493 39,998 6.21 %2,735,850 33,049 4.79 %
Total loans32,650,455 488,541 5.98 %32,255,865 463,724 5.75 %29,900,254 339,752 4.54 %
Total earning assets$43,617,456 $582,356 5.34 %$43,097,198 $550,727 5.11 %$41,180,026 $411,468 3.99 %
Less: Allowance for credit losses on loans(300,071)(301,311)(290,215)
Non-earning Assets:
Cash and due from banks$382,755 $418,972 $503,841 
Other assets4,960,383 4,884,694 4,522,171 
Total assets$48,660,523 $48,099,553 $45,915,823 
Interest-Bearing Liabilities:
Checking and NOW accounts$7,515,439 $25,531 1.35 %$7,881,863 $24,358 1.24 %$8,681,392 $5,751 0.26 %
Savings accounts5,414,775 4,268 0.31 %5,785,603 3,247 0.23 %6,733,465 547 0.03 %
Money market accounts7,979,999 65,549 3.26 %6,084,963 35,358 2.33 %5,344,567 2,072 0.15 %
Other time deposits4,229,692 37,110 3.48 %3,680,029 26,633 2.90 %2,463,573 2,168 0.35 %
Total interest-bearing core deposits25,139,905 132,458 2.09 %23,432,458 89,596 1.53 %23,222,997 10,538 0.18 %
Brokered deposits1,183,228 14,970 5.02 %948,397 11,378 4.81 %44,579 282 2.51 %
Total interest-bearing deposits26,323,133 147,428 2.22 %24,380,855 100,974 1.66 %23,267,576 10,820 0.18 %
Federal funds purchased and interbank borrowings62,921 910 5.74 %441,145 5,655 5.14 %122,311 720 2.34 %
Securities sold under agreements to repurchase302,305 710 0.93 %340,178 900 1.06 %436,225 106 0.10 %
Federal Home Loan Bank advances4,537,250 40,382 3.53 %5,283,728 45,088 3.42 %3,025,844 13,027 1.71 %
Other borrowings841,307 12,003 5.66 %796,536 10,114 5.09 %676,874 5,256 3.08 %
Total borrowed funds5,743,783 54,005 3.73 %6,861,587 61,757 3.61 %4,261,254 19,109 1.78 %
Total interest-bearing liabilities$32,066,916 $201,433 2.49 %$31,242,442 $162,731 2.09 %$27,528,830 $29,929 0.43 %
Noninterest-Bearing Liabilities and Shareholders' Equity
Demand deposits$10,338,267 $10,741,646 $12,575,011 
Other liabilities961,268 841,663 677,829 
Shareholders' equity5,294,072 5,273,802 5,134,153 
Total liabilities and shareholders' equity$48,660,523 $48,099,553 $45,915,823 
Net interest rate spread2.85 %3.02 %3.56 %
Net interest margin (GAAP)3.44 %3.55 %3.66 %
Net interest margin (FTE)3
3.49 %3.60 %3.71 %
FTE adjustment$5,837 $5,825 $4,950 
1 Interest income is reflected on a FTE.
2 Includes loans held-for-sale.
3 Represents a non-GAAP financial measure. Refer the "Non-GAAP Measures" table for reconciliations to GAAP financial measures.
9

Average Balance Sheet and Interest Rates (unaudited)
($ in thousands)
Nine Months EndedNine Months Ended
September 30, 2023September 30, 2022
Average
Income1/
Yield/Average
Income1/
Yield/
Earning Assets:BalanceExpenseRateBalanceExpenseRate
Money market and other interest-earning investments$736,225 $25,258 4.59 %$976,579 $3,073 0.42 %
Investments:
Treasury and government-sponsored agencies2,266,177 58,923 3.47 %2,336,897 33,249 1.90 %
Mortgage-backed securities5,268,509 102,618 2.60 %5,593,341 94,067 2.24 %
States and political subdivisions1,771,155 43,306 3.26 %1,801,053 42,839 3.17 %
Other securities785,474 28,726 4.88 %682,937 16,392 3.20 %
Total investments$10,091,315 $233,573 3.09 %$10,414,228 $186,547 2.39 %
Loans:2
Commercial9,644,541 475,210 6.57 %7,888,730 264,517 4.47 %
Commercial and agriculture real estate13,180,509 598,337 6.05 %10,753,988 327,733 4.06 %
Residential real estate loans6,626,551 181,592 3.65 %5,369,844 142,105 3.53 %
Consumer2,612,519 120,428 6.16 %2,521,121 85,442 4.53 %
Total loans32,064,120 1,375,567 5.72 %26,533,683 819,797 4.12 %
Total earning assets$42,891,660 $1,634,398 5.08 %$37,924,490 $1,009,417 3.55 %
Less: Allowance for credit losses on loans(301,909)(247,558)
Non-earning Assets:
Cash and due from banks$412,998 $350,848 
Other assets4,917,592 4,249,986 
Total assets$47,920,341 $42,277,766 
Interest-Bearing Liabilities:
Checking and NOW accounts$7,793,561 $69,248 1.19 %$7,977,524 $8,133 0.14 %
Savings accounts5,791,780 9,745 0.22 %6,295,628 1,809 0.04 %
Money market accounts6,577,317 120,917 2.46 %4,819,252 3,791 0.11 %
Other time deposits3,660,156 79,032 2.89 %2,236,206 5,112 0.31 %
Total interest-bearing core deposits23,822,814 278,942 1.57 %21,328,610 18,845 0.12 %
Brokered deposits879,886 32,053 4.87 %17,505 356 2.72 %
Total interest-bearing deposits24,702,700 310,995 1.68 %21,346,115 19,201 0.12 %
Federal funds purchased and interbank borrowings306,480 11,404 4.97 %41,993 722 2.30 %
Securities sold under agreements to repurchase351,362 2,389 0.91 %450,966 287 0.09 %
Federal Home Loan Bank advances4,699,074 123,466 3.51 %2,891,347 25,915 1.20 %
Other borrowings806,575 30,071 4.98 %574,589 13,410 3.12 %
Total borrowed funds6,163,491 167,330 3.63 %3,958,895 40,334 1.36 %
Total interest-bearing liabilities30,866,191 478,325 2.07 %25,305,010 59,535 0.31 %
Noninterest-Bearing Liabilities and Shareholders' Equity
Demand deposits$10,864,375 $11,540,293 
Other liabilities944,619 601,619 
Shareholders' equity5,245,156 4,830,844 
Total liabilities and shareholders' equity$47,920,341 $42,277,766 
Net interest rate spread3.01 %3.24 %
Net interest margin (GAAP)0.00%3.54 %3.29 %
Net interest margin (FTE)3
3.59 %3.34 %
FTE adjustment$17,328 $13,036 
1 Interest income is reflected on a FTE.
2 Includes loans held-for-sale.
3 Represents a non-GAAP financial measure. Refer the "Non-GAAP Measures" table for reconciliations to GAAP financial measures.

10

Asset Quality (EOP) (unaudited)
($ in thousands)
Three Months EndedNine Months Ended
September 30,June 30,March 31,December 31, September 30,September 30,September 30,
2023202320232022202220232022
Allowance for credit losses:
Beginning allowance for credit losses on loans$300,555 $298,711 $303,671 $302,254 $288,003 $303,671 $107,341 
Allowance established for acquired PCD loans— — — — 10,558 — 89,089 
Provision for credit losses on loans23,115 11,936 11,469 5,389 11,288 46,520 117,951 
Gross charge-offs(22,750)(14,331)(18,180)(7,081)(11,440)(55,261)(20,200)
Gross recoveries3,062 4,239 1,751 3,109 3,845 9,052 8,073 
NCOs(19,688)(10,092)(16,429)(3,972)(7,595)(46,209)(12,127)
Ending allowance for credit losses on loans$303,982 $300,555 $298,711 $303,671 $302,254 $303,982 $302,254 
Beginning allowance for credit losses on unfunded commitments$37,007 $34,156 $32,188 $26,169 $21,966 $32,188 $10,879 
Provision (release) for credit losses on unfunded commitments(4,047)2,851 1,968 6,019 4,203 772 15,290 
Ending allowance for credit losses on unfunded commitments$32,960 $37,007 $34,156 $32,188 $26,169 $32,960 $26,169 
Allowance for credit losses$336,942 $337,562 $332,867 $335,859 $328,423 $336,942 $328,423 
Provision for credit losses on loans$23,115 $11,936 $11,469 $5,389 $11,288 $46,520 $117,951 
Provision (release) for credit losses on unfunded commitments1
(4,047)2,851 1,968 6,019 4,203 772 15,290 
Provision for credit losses1
$19,068 $14,787 $13,437 $11,408 $15,491 $47,292 $133,241 
NCOs / average loans2
0.24 %0.13 %0.21 %0.05 %0.10 %0.19 %0.06 %
Average loans2
$32,639,812 $32,251,242 $31,267,836 $30,732,473 $29,890,008 $32,057,989 $26,521,011 
EOP loans2
32,577,834 32,432,473 31,822,374 31,123,641 30,528,933 32,577,834 30,528,933 
ACL on loans / EOP loans2
0.93 %0.93 %0.94 %0.98 %0.99 %0.93 %0.99 %
ACL / EOP loans2
1.03 %1.04 %1.05 %1.08 %1.08 %1.03 %1.08 %
Underperforming Assets:
Loans 90 days and over (still accruing)$1,192 $303 $1,231 $2,650 $767 $1,192 $767 
NPLs:
      Nonaccrual loans3,4
261,346 295,509 234,337 238,178 233,659 261,346 233,659 
      TDRs still accruing4
N/AN/AN/A15,313 13,674 N/A13,674 
         Total NPLs261,346 295,509 234,337 253,491 247,333 261,346 247,333 
   Foreclosed assets9,761 9,824 10,817 10,845 11,967 9,761 11,967 
Total underperforming assets$272,299 $305,636 $246,385 $266,986 $260,067 $272,299 $260,067 
Classified and Criticized Assets:
Nonaccrual loans3
$261,346 $295,509 $234,337 $238,178 $233,659 $261,346 $233,659 
Substandard loans (still accruing)563,427 524,709 570,229 504,657 476,724 563,427 476,724 
Loans 90 days and over (still accruing)1,192 303 1,231 2,650 767 1,192 767 
Total classified loans - "problem loans"825,965 820,521 805,797 745,485 711,150 825,965 711,150 
Other classified assets48,998 40,942 26,441 24,735 24,773 48,998 24,773 
Criticized loans - "special mention loans"775,526 614,547 593,307 636,069 549,994 775,526 549,994 
Total classified and criticized assets$1,650,489 $1,476,010 $1,425,545 $1,406,289 $1,285,917 $1,650,489 $1,285,917 
Loans 30-89 days past due$56,772 $39,748 $42,071 $55,522 $65,632 $56,772 $65,632 
NPLs / EOP loans2
0.80 %0.91 %0.74 %0.81 %0.81 %0.80 %0.81 %
ACL to NPLs129 %114 %142 %132 %133 %129 %133 %
Under-performing assets/EOP loans2
0.84 %0.94 %0.77 %0.86 %0.85 %0.84 %0.85 %
Under-performing assets/EOP assets0.56 %0.63 %0.51 %0.57 %0.56 %0.56 %0.56 %
30+ day delinquencies/EOP loans2
0.18 %0.12 %0.14 %0.19 %0.22 %0.18 %0.22 %
1 Excludes $0.2 million of expense to establish an allowance on held-to-maturity securities during the first quarter of 2022. Provision for unfunded commitments is included in the provision for credit losses. The reclassification of the provision for unfunded commitments out of other expense as a component of noninterest expense was made to amounts prior to December 31, 2022 to conform to the current period presentation.
2 Excludes loans held-for-sale.
3 Includes non-accruing TDRs totaling $24.0 million at December 31, 2022 and $23.8 million at September 30, 2022.
4 As a result of accounting guidance adopted in 2023, the TDR classification is no longer applicable subsequent to December 31, 2022.
 PCD - Purchased credit deteriorated TDR - Troubled debt restructuring
        
11

Non-GAAP Measures (unaudited)
($ and shares in thousands, except per share data)
Three Months EndedNine Months Ended
September 30,June 30,March 31,December 31, September 30,September 30,September 30,
2023202320232022202220232022
Earnings Per Share:
Net income applicable to common shares$143,842 $151,003 $142,566 $196,701 $136,119 $437,411 $217,468 
Adjustments:
Merger-related charges2
6,257 2,372 14,558 20,314 22,743 23,187 111,627 
Tax effect1
(1,042)(277)(3,172)(5,160)(8,529)(4,491)(31,120)
Merger-related charges, net5,215 2,095 11,386 15,154 14,214 18,696 80,507 
Debt Securities (gains) losses241 (17)5,216 173 172 5,440 (85)
Tax effect1
(40)2 (1,137)(44)(65)(1,175)(33)
Debt securities (gains) losses, net201 (15)4,079 129 107 4,265 (118)
Louisville expenses— 3,361 — — — 3,361 — 
Tax effect1
— (392)— — — (392)— 
Louisville expenses, net— 2,969 — — — 2,969 — 
Property optimization charges— 242 1,317 26,818 — 1,559 — 
Tax effect1
— (28)(287)(6,812)— (315)— 
Property optimization charges, net— 214 1,030 20,006 — 1,244 — 
Gain on sale of health savings accounts— — — (90,673)— — — 
Tax effect1
— — — 23,031 — — — 
Gain on sale of health savings accounts, net— — — (67,642)— — — 
Day 1 non-PCD— — — — — — 96,270 
Tax effect1
— — — — — — (17,550)
Day 1 non-PCD, net— — — — — — 78,720 
Total adjustments, net5,416 5,263 16,495 (32,353)14,321 27,174 159,109 
Net income applicable to common shares, adjusted$149,258 $156,266 $159,061 $164,348 $150,440 $464,585 $376,577 
Weighted average diluted common shares outstanding291,717 291,266 292,756 293,131 292,483 291,809 271,123 
EPS, diluted$0.49 $0.52 $0.49 $0.67 $0.47 $1.50 $0.80 
Adjusted EPS, diluted$0.51 $0.54 $0.54 $0.56 $0.51 $1.59 $1.39 
NIM:
Net interest income$375,086 $382,171 $381,488 $391,090 $376,589 $1,138,745 $936,846 
Add: FTE adjustment3
5,837 5,825 5,666 5,378 4,950 17,328 13,036 
Net interest income (FTE)$380,923 $387,996 $387,154 $396,468 $381,539 $1,156,073 $949,882 
Average earning assets$43,617,456 $43,097,198 $41,941,913 $41,206,695 $41,180,026 $42,891,660 $37,924,490 
NIM (GAAP)3.44 %3.55 %3.64 %3.80 %3.66 %3.54 %3.29 %
NIM (FTE)3.49 %3.60 %3.69 %3.85 %3.71 %3.59 %3.34 %
Refer to last page of Non-GAAP reconciliations for footnotes.




12

Non-GAAP Measures (unaudited)
($ in thousands)
Three Months EndedNine Months Ended
September 30,June 30,March 31,December 31, September 30,September 30,September 30,
2023202320232022202220232022
PPNR:
Net interest income (FTE)3
$380,923 $387,996 $387,154 $396,468 $381,539 $1,156,073 $949,882 
Add: Noninterest income80,938 81,629 70,681 165,037 80,385 233,248 234,742 
Total revenue (FTE)461,861 469,625 457,835 561,505 461,924 1,389,321 1,184,624 
Less: Noninterest expense(244,776)(246,584)(250,711)(282,675)(262,444)(742,071)(755,508)
PPNR$217,085 $223,041 $207,124 $278,830 $199,480 $647,250 $429,116 
Adjustments:
Gain on sale of health savings accounts$— $— $— $(90,673)$— $— $— 
Debt securities (gains) losses241 (17)5,216 173 172 5,440 (85)
Noninterest income adjustments241 (17)5,216 (90,500)172 5,440 (85)
Adjusted noninterest income81,179 81,612 75,897 74,537 80,557 238,688 234,657 
Adjusted revenue$462,102 $469,608 $463,051 $471,005 $462,096 $1,394,761 $1,184,539 
Adjustments:
Merger-related charges4
$6,257 $2,372 $14,558 $20,314 $22,743 $23,187 $100,614 
Louisville expenses— 3,361 — — — 3,361 — 
Property optimization charges— 242 1,317 26,818 — 1,559 — 
Noninterest expense adjustments6,257 5,975 15,875 47,132 22,743 28,107 100,614 
Adjusted total noninterest expense(238,519)(240,609)(234,836)(235,543)(239,701)(713,964)(654,894)
Adjusted PPNR$223,583 $228,999 $228,215 $235,462 $222,395 $680,797 $529,645 
Efficiency Ratio:
Noninterest expense$244,776 $246,584 $250,711 $282,675 $262,444 $742,071 $755,508 
Less: Amortization of intangibles(6,040)(6,060)(6,186)(6,787)(7,089)(18,286)(19,070)
Noninterest expense, excl. amortization of intangibles238,736 240,524 244,525 275,888 255,355 723,785 736,438 
Less: Amortization of tax credit investments(2,644)(2,762)(2,761)(5,258)(2,662)(8,167)(5,703)
Less: Noninterest expense adjustments(6,257)(5,975)(15,875)(47,132)(22,743)(28,107)(100,614)
Adjusted noninterest expense$229,835 $231,787 $225,889 $223,498 $229,950 $687,511 $630,121 
Total revenue (FTE)3
$461,861 $469,625 $457,835 $561,505 $461,924 $1,389,321 $1,184,624 
Less: Debt securities (gains) losses241 (17)5,216 173 172 5,440 (85)
Total revenue excl. debt securities (gains) losses462,102 469,608 463,051 561,678 462,096 1,394,761 1,184,539 
Less: Gain on sale of health savings accounts— — — (90,673)— — — 
Total adjusted revenue $462,102 $469,608 $463,051 $471,005 $462,096 $1,394,761 $1,184,539 
Efficiency Ratio51.7 %51.2 %52.8 %49.1 %55.3 %51.9 %62.2 %
Efficiency Ratio (prior presentation)5
N/AN/AN/AN/A56.2 %N/A63.5 %
Adjusted Efficiency Ratio49.7 %49.4 %48.8 %47.5 %49.8 %49.3 %53.2 %
Adjusted Efficiency Ratio (prior presentation)5
N/AN/AN/AN/A50.7 %N/A53.6 %
Refer to last page of Non-GAAP reconciliations for footnotes.
13

Non-GAAP Measures (unaudited)
($ in thousands)
Three Months EndedNine Months Ended
September 30,June 30,March 31,December 31, September 30,September 30,September 30,
2023202320232022202220232022
ROAE and ROATCE:
Net income applicable to common shares$143,842 $151,003 $142,566 $196,701 $136,119 $437,411 $217,468 
Amortization of intangibles 6,040 6,060 6,186 6,787 7,089 18,286 19,070 
Tax effect1
(1,510)(1,515)(1,547)(1,697)(1,772)(4,572)(4,768)
Amortization of intangibles, net4,530 4,545 4,639 5,090 5,317 13,714 14,302 
Net income applicable to common shares, excluding intangible amortization148,372 155,548 147,205 201,791 141,436 451,125 231,770 
Total adjustments, net (see pg.12)5,416 5,263 16,495 (32,353)14,321 27,174 159,109 
Adjusted tangible net income applicable to common shares$153,788 $160,811 $163,700 $169,438 $155,757 $478,299 $390,879 
Average shareholders' equity$5,294,072 $5,273,802 $5,166,188 $4,936,582 $5,134,153 $5,245,156 $4,830,844 
Less: Average preferred equity(243,719)(243,719)(243,719)(243,719)(243,719)(243,719)(202,013)
Average shareholders' common equity$5,050,353 $5,030,083 $4,922,469 $4,692,863 $4,890,434 $5,001,437 $4,628,831 
Average goodwill and other intangible assets(2,109,944)(2,115,894)(2,122,157)(2,132,480)(2,129,858)(2,115,953)(1,941,270)
Average tangible shareholder's common equity$2,940,409 $2,914,189 $2,800,312 $2,560,383 $2,760,576 $2,885,484 $2,687,561 
ROAE11.4 %12.0%11.6%16.8%11.1%11.7 %6.3 %
ROAE, adjusted11.8 %12.4%12.9%14.0%12.3%12.4 %10.8 %
ROATCE20.2 %21.4%21.0%31.5%20.5%20.8 %11.5 %
ROATCE, adjusted20.9 %22.1%23.4%26.5%22.6%22.1 %19.4 %
Refer to last page of Non-GAAP reconciliations for footnotes.
14

Non-GAAP Measures (unaudited)
($ in thousands)
As of
September 30,June 30,March 31,December 31, September 30,
20232023202320222022
Tangible Common Equity:
Shareholders' equity$5,239,537 $5,292,095 $5,277,426 $5,128,595 $4,943,383 
Less: Preferred equity (243,719)(243,719)(243,719)(243,719)(243,719)
Shareholders' common equity $4,995,818 $5,048,376 $5,033,707 $4,884,876 $4,699,664 
Less: Goodwill and other intangible assets(2,106,835)(2,112,875)(2,118,935)(2,125,121)(2,135,792)
Tangible shareholders' common equity $2,888,983 $2,935,501 $2,914,772 $2,759,755 $2,563,872 
Total assets $49,059,448 $48,496,755 $47,842,644 $46,763,372 $46,215,526 
Less: Goodwill and other intangible assets(2,106,835)(2,112,875)(2,118,935)(2,125,121)(2,135,792)
Tangible assets $46,952,613 $46,383,880 $45,723,709 $44,638,251 $44,079,734 
Risk-weighted assets6
$37,505,361 $37,414,177 $36,801,707 $35,950,900 $34,741,765 
Tangible common equity to tangible assets 6.15 %6.33 %6.37 %6.18 %5.82 %
Tangible common equity to risk-weighted assets6
7.70 %7.85 %7.92 %7.68 %7.38 %
Tangible Common Equity:
Common shares outstanding292,586 292,597 291,922 292,903 292,880 
Tangible common book value$9.87 $10.03 $9.98 $9.42 $8.75 
1 Tax-effect calculations use management's estimate of the full year FTE tax rates (federal + state).
2 Includes $11.0 million of provision for unfunded commitments for the nine months ended September 30, 2022.
3 Calculated using the federal statutory tax rate in effect of 21% for all periods.
4 Excludes $11.0 million of provision for unfunded commitments that is included in provision for credit losses for the nine months ended September 30, 2022.
5 Presented as calculated prior to December 31, 2022, which included the provision for unfunded commitments in noninterest expense. Management believes that removing the provision for unfunded commitments from this metric enhances comparability for peer comparison purposes.
6 September 30, 2023 figures are preliminary.
15
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Cover
Oct. 24, 2023
Cover [Abstract]  
Document Type 8-K
Document Period End Date Oct. 24, 2023
Entity Registrant Name Old National Bancorp /IN/
Entity Incorporation, State or Country Code IN
Entity File Number 001-15817
Entity Tax Identification Number 35-1539838
Entity Address, Address Line One One Main Street
Entity Address, City or Town Evansville,
Entity Address, State or Province IN
Entity Address, Postal Zip Code 47708
City Area Code 773
Local Phone Number 765-7675
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Entity Central Index Key 0000707179
Amendment Flag false
Common Stock  
Cover [Abstract]  
Title of 12(b) Security Common stock, no par value
Trading Symbol ONB
Security Exchange Name NASDAQ
Document Information [Line Items]  
Title of 12(b) Security Common stock, no par value
Trading Symbol ONB
Security Exchange Name NASDAQ
Series A Preferred Stock  
Cover [Abstract]  
Title of 12(b) Security Depositary Shares, each representing a 1/40th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A
Trading Symbol ONBPP
Security Exchange Name NASDAQ
Document Information [Line Items]  
Title of 12(b) Security Depositary Shares, each representing a 1/40th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A
Trading Symbol ONBPP
Security Exchange Name NASDAQ
Series C Preferred Stock  
Cover [Abstract]  
Title of 12(b) Security Depositary Shares, each representing a 1/40th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series C
Trading Symbol ONBPO
Security Exchange Name NASDAQ
Document Information [Line Items]  
Title of 12(b) Security Depositary Shares, each representing a 1/40th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series C
Trading Symbol ONBPO
Security Exchange Name NASDAQ

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