8-K

0001193125-20-111538.txt : 20200420 0001193125-20-111538.hdr.sgml : 20200420 20200420070144 ACCESSION NUMBER: 0001193125-20-111538 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20200420 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20200420 DATE AS OF CHANGE: 20200420 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: 20801237 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 d919144d8k.htm 8-K 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): April 20, 2020

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: (800) 731-2265

(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 Value

ONB

The 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 April 20, 2020, Old National Bancorp (the “Company”) issued a press release (“Press Release”) reporting its financial results for the first quarter of 2020. The Press Release is furnished as Exhibit 99.1 hereto and is incorporated herein by reference. A slide presentation outlining first quarter 2020 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 April 20, 2020, at 8:00 a.m. CDT and will be accessible at http://www.oldnational.com immediately before the conference call begins.

Forward-Looking Statements

In this report, we have made various statements regarding current expectations or forecasts of future events, which speak only as of the date the statements are made. These statements are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are also made from time-to-time in press releases and in oral statements made by the officers of the Company. Forward-looking statements can be identified by the use of the words “expect,” “may,” “could,” “intend,” “project,” “estimate,” “believe,” “anticipate,” and other words of similar meaning. Such forward-looking statements are based on assumptions and estimates, which although believed to be reasonable, may turn out to be incorrect, such as statements about the potential impacts of the COVID-19 pandemic. Therefore, undue reliance should not be placed upon these estimates and statements. We cannot assure that any of these statements, estimates, or beliefs will be realized and actual results may differ from those contemplated in these “forward-looking statements.” We undertake no obligation to publicly update any forward-looking statements, whether as a result of new information, future events, or otherwise. You are advised to consult further disclosures we may make on related subjects in our filings with the SEC.

Item 9.01

Financial Statements and Exhibits.

(d) Exhibits.


Exhibit No.		Description

	99.1	Press Release issued by Old National Bancorp on April 20, 2020

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

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: April 20, 2020


OLD NATIONAL BANCORP

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

EX-99.1 2 d919144dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

Old National Bancorp

One Main Street

Evansville, IN 47708

oldnational.com

Media: Kathy A. Schoettlin (812) 465-7269

Investors: Lynell J. Walton (812) 464-1366

Old National reports 1^st quarter earnings,

announces $1.2 million commitment to COVID-19 relief efforts

and support programs for clients

Evansville, Ind. (April 20, 2020)

Old National Bancorp (NASDAQ: ONB) reports 1Q20 net income of $22.6 million, diluted EPS of $0.13.

Adjusted¹ net income of $42.1 million, or $0.25 per diluted share.

CEO COMMENTARY:

“While we are pleased with our 1^st quarter progress and the implementation of the ONB Way strategic initiatives,

our commitment and focus today is on supporting our clients, team members and communities during the COVID-

19 pandemic,” said Chairman & CEO Jim Ryan. “With this goal in mind, we are giving $1.2 million to COVID-19 relief

efforts - both immediate and near-term - while also working diligently to help our clients take advantage of our own

internal relief programs and the various government support programs. I’d also like to thank our team members for

their hard work and unwavering commitment to serving our clients and communities during this difficult time.”

FIRST QUARTER HIGHLIGHTS²:


Net Income		• Net income of $22.6 million • Earnings per share of $0.13

Net Interest Income/NIM		• Net interest income on a fully taxable equivalent basis was $147.1 million compared to $152.2 million • Net interest margin on a fully taxable equivalent basis was 3.31% compared to 3.46%

Operating Performance		• Pre-provision net revenue¹ (“PPNR”) was $45.9 million • Adjusted PPNR¹ was $77.4 million, up 2.9% over first quarter of 2019 • Noninterest expense was $158.7 million • Adjusted noninterest expense¹ was $122.0 million • Efficiency ratio¹ was 77.71% • Adjusted efficiency ratio¹ was 59.31%, a 166 basis point improvement

Loans and Credit Quality		• End-of-period total loans³ were $12,438.8 million compared to $12,164.4 million • Represents 9.0% annualized growth • End-of-period commercial and commercial real estate loans were $8,330.0 million • Represents 13.6% annualized growth • First-quarter total commercial production was $647.3 million; March 31 pipeline was $2.8 billion • Provision for credit losses was $17.0 million • Net charge-offs were $6.5 million, or 0.21% annualized, compared to net charge-offs of $3.6 million • Non-performing loans were 1.16% of total loans compared to 1.19%

Return Profile & Capital		• Return on average common equity was 3.20% • Return on average tangible common equity¹ was 5.86% • Adjusted return on average tangible common equity¹ was 10.35% • Repurchased 4.9 million shares of common stock during the current quarter

Notable Items		• Day one increase to the allowance for credit losses was $41.3 million and to the unfunded commitment liability was $4.5 million due to the adoption of CECL • $31.2 million in ONB Way charges • $5.5 million in tax credit amortization

¹	Non-GAAP financial measure that Management believes is useful in evaluating the financial results of the Company – please 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

OLD NATIONAL’S RESPONSE TO COVID-19

COMMITTING $1.2 MILLION TO COVID-19 RELIEF EFFORTS WITHIN OUR COMMUNITIES

To best serve our communities during this time of need, Old National is committing $1.2 million for COVID-19 relief.

This includes:

•

$600,000 in funding focused on meeting the immediate needs in our communities, with an emphasis on low-to-moderate income communities.

•

$600,000 in Old National Bank Foundation grant funding that will focus on longer-term restorative and transformational needs within our communities.

SUPPORTING OUR CLIENTS THROUGH RELIEF MEASURES

To assist our consumer and business clients during this time of need, Old National is providing relief in several ways:

•

Approving loan payment extensions and waiving or refunding certain banking fees for clients experiencing a COVID-19-related hardship.

•

Aiding thousands of our clients by administering the Small Business Administration’s Paycheck Protection Program (PPP). Through April 16, 2020, we have approved approximately $1.35 billion in total loan volume through the PPP.

THE ONB WAY: OLD NATIONAL’S NEW STRATEGIC PLAN

Old National is implementing a new strategic plan – and overall way of doing business – designed to keep our clients at the center of all we do. Known as The ONB Way, it includes:

•

Realigning the organization into clearly defined segments to align leaders and relationship managers with the client segment they can best serve (while not wavering on our commitment to community).

•

Deepening client relationships through integrated Commercial, Community Banking and Wealth teams.

•

Simplifying and improving the end-to-end banking/borrowing journey while adhering to strong risk management principles.

•

Creating a new Wealth Division that combines wealth management, investments and private banking for a simplified, highly consultative client experience firmly rooted in financial planning.

•

Investing in our operational and IT infrastructure to meet our clients “where they are” and ensure that we keep pace with technology and client digital expectations.

BRANCH NETWORK OPTIMIZATION

Another component of The ONB Way is the optimization of our branch network. This optimization, which includes 31 banking center consolidations scattered throughout the footprint, reflects an ongoing shift among our clients toward digital banking solutions. The consolidation of 12 of these banking centers occurred on April 13, 2020, and the remaining 19 are anticipated to be consolidated on April 24, 2020. Many of the facilities to be consolidated are in smaller markets, several of which were added in recent years through partnership activity. By state, these consolidations include 10 banking centers in both Wisconsin and Indiana, five in Michigan, four in Minnesota and two in Kentucky.

RESULTS OF OPERATIONS

Old National Bancorp reported first-quarter 2020 net income of $22.6 million, or $0.13 per diluted share.

Included in the first quarter were pre-tax charges of $31.2 million for ONB Way. Excluding these charges from the current quarter and netting out debt securities gains, adjusted net income was $42.1 million, or $0.25 per diluted share.

LOANS

Strong commercial activity resulted in double-digit commercial loan growth.

•

Period-end total loans were $12,438.8 million at March 31, 2020, compared to $12,164.4 million at December 31, 2019, and represents an increase of 9.0% annualized growth.

•

Commercial and industrial loans increased $156.3 million to $3,046.6 million, or 21.6% annualized growth; commercial real estate loans increased $116.7 million to $5,283.5 million, or 9.0% annualized growth; consumer loans increased $0.6 million to $1,726.7 million and residential mortgage loans increased $0.9 million to $2,382.1 million.

•

Commercial loan production in the first quarter was $647.3 million; period-end pipeline totaled $2.8 billion.

•

Average total loans in the first quarter were $12,192.3 million, an increase of $123.2 million from the fourth quarter of 2019.

DEPOSITS

A low-cost core deposit franchise continues to be one of Old National’s strengths.

•

Period-end total deposits were $14,305.4 million at March 31, 2020, a decrease of $248.0 million from the fourth quarter of 2019.

•

On average, total deposits in the first quarter were $14,327.8 million, compared to $14,602.9 million in the fourth quarter of 2019.

NET INTEREST INCOME AND MARGIN

Net interest income and margin lower with decline in accretion income and fewer days.

•

Net interest income decreased to $143.8 million in the first quarter of 2020 from $148.9 million in the fourth quarter of 2019.

•

The net interest margin on a fully taxable equivalent basis decreased 15 basis points to 3.31% compared to 3.46% in the fourth quarter of 2019.

•

Accretion income was $6.7 million, or 15 basis points of net interest margin, in the first quarter of 2020 compared to $9.5 million, or 21 basis points of net interest margin, in the fourth quarter of 2019. In the first quarter of 2020, accretion income was 3.4% of adjusted total revenue.

•

Interest collected on nonaccrual loans was $0.7 million, or 1 basis point of net interest margin, in the first quarter of 2020 compared to $2.4 million, or 5 basis points of net interest margin, in the fourth quarter of 2019.

•

The cost of total deposits declined 9 basis points to 0.34% in the first quarter of 2020 while the cost of total interest-bearing deposits decreased 11 basis points to 0.48%.

CREDIT QUALITY AND CECL

Strong credit quality remains a hallmark of the Old National franchise.

•

Day one increase to the allowance for credit losses was $41.3 million due to the adoption of CECL. Of this day one amount, $27.1 million applies to previously acquired loans.

•

Day one increase to the unfunded commitment liability was $4.5 million due to the adoption of CECL.

•

Provision for credit losses was $17.0 million in the first quarter of 2020, driven higher by the economic forecast which now includes the impact of novel coronavirus pandemic.

•

Net charge-offs in the first quarter were $6.5 million, or 0.21% of total average loans, and 30-89 day delinquencies of 0.26%.

•

Non-performing loans decreased as a percentage of total loans to 1.16%.

•

Loans acquired from previous acquisitions were recorded at fair value at the acquisition date. As of March 31, 2020, the remaining discount on these acquired loans was $67.0 million.

•

The allowance for credit losses was $106.4 million, or 0.86% of total loans at March 31, 2020.

NONINTEREST INCOME

Noninterest income increased due to strong mortgage banking revenue and an increase in capital markets income.

•

Total noninterest income for the first quarter of 2020 was $57.5 million, an increase of $9.8 million from the fourth quarter of 2019.

•

Mortgage banking revenue increased $5.5 million and capital markets income increased $1.3 million when compared to the fourth quarter of 2019.

NONINTEREST EXPENSE

First quarter results demonstrated continued discipline with respect to expense management, helping to drive positive operating leverage¹.

•

Noninterest expense for the first quarter of 2020 was $158.7 million and included $31.2 million in ONB Way charges and $5.5 million in tax credit amortization.

•

Excluding these items, adjusted noninterest expense for the first quarter was $122.0 million, compared to the $125.6 million in adjusted noninterest expense in the fourth quarter of 2019.

•

The first quarter efficiency ratio was 77.71%, while the adjusted efficiency ratio was 59.31%.

•

Adjusted operating leverage¹ was +102 basis points for the first quarter of 2020 as compared to the first quarter of 2019.

INCOME TAXES

•

On a fully taxable-equivalent basis, income tax expense in the first quarter was $6.3 million, resulting in a 21.7% FTE tax rate.

•

Income tax expense included $1.8 million in tax credit benefit.

CAPITAL AND LIQUIDITY

Capital ratios remain strong.

•

At the end of the first quarter, total risk-based capital was 12.3% and regulatory tier 1 capital was 11.4%.

•

Tangible common equity to tangible assets was 8.81% at the end of the first quarter compared to 9.09% in the fourth quarter of 2019.

•

The Company repurchased 4.9 million shares of common stock during the first quarter of 2020 at a weighted average price of $16.05, excluding commissions.

•

A low loan to deposit ratio of 87%, combined with existing funding sources plus available unencumbered, high-quality collateral, provides strong liquidity.

NON-GAAP RECONCILIATIONS


($ in millions, except EPS, shares in 000s)	1Q20			Adjustments⁴			Adjusted 1Q20
Total Revenues (FTE)	$	204.6		($	5.2	)	$	199.4
Less: Provision for Credit Losses		(17.0	)		—			(17.0	)
Less: Noninterest Expenses		(158.7	)		31.2			(127.5	)

Income before Income Taxes (FTE)	$	28.9		$	26.0		$	54.9
Income Taxes		6.3			6.5			12.8

Net Income	$	22.6		$	19.5		$	42.1

Average Shares Outstanding		168,404			—			168,404
Earnings Per Share - Diluted	$	0.13		$	0.12		$	0.25

⁴	Tax-effect calculations use the current statutory FTE tax rates (federal + state)


($ in millions)	1Q20			4Q19
Net Interest Income	$	143.8		$	148.9
Add: FTE Adjustment		3.3			3.3

Net Interest Income (FTE)	$	147.1		$	152.2

Average Earning Assets	$	17,774.0		$	17,577.8
Net Interest Margin (FTE)		3.31	%		3.46	%


($ in millions)	1Q20			1Q19
Net Interest Income	$	143.8		$	147.0
Add: FTE Adjustment		3.3			3.2

Net Interest Income (FTE)	$	147.1		$	150.2
Add: Total Noninterest Income		57.5			46.4
Less: Noninterest Expense		(158.7	)		(123.0	)

Pre-Provision Net Revenue	$	45.9		$	73.6
Less: Debt Securities Gains/Losses		(5.2	)		0.1
Add: ONB Way Charges		31.2			—
Add: Merger and Integration Charges		—			1.2
Add: Amortization of Tax Credit Investments		5.5			0.3

Adjusted Pre-Provision Net Revenue	$	77.4		$	75.2


($ in millions)	1Q20			4Q19			1Q19
Noninterest Expense	$	158.7		$	134.7		$	123.0
Less: ONB Way Charges		(31.2	)		(8.2	)		—
Less: Merger and Integration Charges		—			(0.2	)		(1.2	)

Noninterest Expense less Charges	$	127.5		$	126.3		$	121.8
Less: Amortization of Tax Credit Investments		(5.5	)		(0.7	)		(0.3	)

Adjusted Noninterest Expense	$	122.0		$	125.6		$	121.5
Less: Intangible Amortization		(3.8	)		(3.9	)		(4.5	)

Adjusted Noninterest Expense Less Intangible Amortization	$	118.2		$	121.7		$	117.0

Net Interest Income	$	143.8		$	148.9		$	147.0
FTE Adjustment		3.3			3.3			3.2

Net Interest Income (FTE)	$	147.1		$	152.2		$	150.2
Total Noninterest Income		57.5			47.7			46.4

Total Revenue (FTE)	$	204.6		$	199.9		$	196.6
Less: Debt Securities Gains/Losses		(5.2	)		(0.4	)		0.1

Adjusted Total Revenue (FTE)	$	199.4		$	199.5		$	196.7

Efficiency Ratio		77.71	%		65.57	%		60.26	%
Adjusted Efficiency Ratio		59.31	%		60.97	%		59.51	%
Operating Leverage⁵ (basis points)		(2,498	)
Adjusted Operating Leverage⁶ (basis points)		102

⁵	Year-over-year basis point change in noninterest expenses plus change in total revenue

⁶	Year-over-year basis point change in adjusted noninterest expense plus change in adjusted total revenue


($ in millions)	1Q20			4Q19
Net Income	$	22.6		$	49.2
Add: Intangible Amortization (net of tax⁷)		2.9			3.0

Tangible Net Income	$	25.5		$	52.2
Less: Securities Gains/Losses (net of tax⁷)		(3.9	)		(0.3	)
Add: ONB Way Charges (net of tax⁷)		23.4			6.2
Add: Merger & Integration Charges (net of tax⁷)		—			0.1

Adjusted Tangible Net Income	$	45.0		$	58.2

Average Total Shareholders’ Equity	$	2,833.5		$	2,832.9
Less: Average Goodwill		(1,037.0	)		(1,037.0	)
Less: Average Intangibles		(58.1	)		(61.9	)

Average Tangible Shareholders’ Equity	$	1,738.4		$	1,734.0

Return on Average Tangible Common Equity		5.86	%		12.03	%
Adjusted Return on Average Tangible Common Equity		10.35	%		13.44	%

⁷	Tax-effect calculations use the current statutory FTE tax rates (federal + state)

CONFERENCE CALL AND WEBCAST

Old National will host a conference call and live webcast at 8:00 a.m. Central Time on Monday, April 20, 2020, to review first-quarter 2020 financial results. 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 11:00 a.m. Central Time on April 20 through May 4. To access the replay, dial 1-855-859-2056, Conference ID Code 9178738.

ABOUT OLD NATIONAL

Old National Bancorp (NASDAQ: ONB), the holding company of Old National Bank, is the largest bank holding company headquartered in Indiana. With $20.7 billion in assets, it ranks among the top 100 banking companies in the U.S. and has been recognized as a World’s Most Ethical Company by the Ethisphere Institute for nine consecutive years. Since its founding in Evansville in 1834, Old National Bank has focused on community banking by building long-term, highly valued partnerships and keeping our clients at the center of all we do. This is an approach to business that we call The ONB Way. Today, Old National’s footprint includes Indiana, Kentucky, Michigan, Wisconsin and Minnesota. 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.

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 the tables of this release.

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 Bancorp’s (“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, such as statements about the potential impacts of the COVID-19 pandemic. 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: the severity, magnitude and duration of the COVID-19 pandemic, including impacts of the pandemic and of businesses’ and governments’ responses to the pandemic on our operations and personnel, and on commercial activity and demand across our and our customers’ businesses; market, economic, operational, liquidity, credit and interest rate risks associated with Old National’s business(including developments and volatility arising from the COVID-19 pandemic); 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, including the anticipated impact from the ONB Way strategic plan that may differ from current estimates; changes in the economy which could materially impact credit quality trends and the ability to generate loans and gather deposits; failure or circumvention of our internal controls; failure or disruption of our information systems; significant changes in accounting, tax or regulatory practices or requirements, including the impact of the new CECL standard as well as changes to address the impact of COVID-19; new legal obligations or liabilities or unfavorable resolutions of litigations; disruptive technologies in payment systems and other services traditionally provided by banks; computer hacking and other cybersecurity threats; other matters discussed in this press release; and other factors identified in our Annual Report on Form 10-K and other periodic filings with the SEC. These forward-looking statements are made only as of the date of this press release, and Old National does not undertake an obligation to release revisions to these forward-looking statements to reflect events or conditions after the date of this press release.

Financial Highlights (unaudited)

($ and shares in thousands, except per share data)


	Three Months Ended
	March 31,			December 31,			March 31,
	2020			2019			2019
Income Statement
Net interest income	$	143,771		$	148,899		$	147,048
Provision for loan losses (1)		16,950			1,264			1,043
Noninterest income		57,502			47,726			46,416
Noninterest expense		158,744			134,743			123,041
Net income		22,640			49,185			56,276

Per Common Share Data
Net income (diluted)	$	0.13		$	0.29		$	0.32
Average diluted shares outstanding		168,404			170,186			175,368
Book value		17.10			16.82			15.82
Stock price		13.19			18.29			16.40
Dividend payout ratio		108	%		45	%		41	%
Tangible common book value (2)		10.48			10.35			9.44

Performance Ratios
Return on average assets		0.44	%		0.97	%		1.14	%
Return on average common equity		3.20	%		6.94	%		8.29	%
Return on average tangible common equity (2)		5.86	%		12.03	%		14.88	%
Net interest margin (FTE)		3.31	%		3.46	%		3.51	%
Efficiency ratio (3)		77.71	%		65.57	%		60.26	%
Net charge-offs (recoveries) to average loans		0.21	%		0.12	%		0.03	%
Allowance for loan losses to ending loans (1)		0.86	%		0.45	%		0.46	%
Non-performing loans to ending loans		1.16	%		1.19	%		1.41	%

Balance Sheet
Total loans	$	12,384,612		$	12,117,524		$	12,068,977
Total assets		20,741,141			20,411,667			20,084,420
Total deposits		14,305,362			14,553,397			14,429,270
Total borrowed funds		3,245,214			2,744,728			2,639,038
Total shareholders’ equity		2,823,435			2,852,453			2,751,872

Capital Ratios (2)
Risk-based capital ratios (EOP):
Tier 1 common equity		11.4	%		12.1	%		11.8	%
Tier 1		11.4	%		12.1	%		11.8	%
Total		12.3	%		13.0	%		12.7	%
Leverage ratio (to average assets)		8.5	%		8.9	%		8.8	%
Total equity to assets (averages)		13.91	%		14.01	%		13.70	%
Tangible common equity to tangible assets		8.81	%		9.09	%		8.66	%

Nonfinancial Data
Full-time equivalent employees		2,736			2,709			2,908
Number of branches		192			192			193

(1)	Beginning January 1, 2020, calculation is based on current expected loss methodology. Prior to January 1, 2020, calculation was based on incurred loss methodology.

(2)	See “Non-GAAP Measures” table. Ratios are estimated at March 31, 2020.

(3)

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 debt securities transactions. This presentation excludes amortization of intangibles and net debt securities gains, as is common in other company releases, and better aligns with true operating performance.

FTE - Fully taxable equivalent basis EOP - End of period actual balances N/A - Not applicable

Income Statement (unaudited)

($ and shares in thousands, except per share data)


	Three Months Ended
	March 31,			December 31,		March 31,
	2020			2019		2019
Interest income	$	167,999		$	176,553	$	178,918
Less: interest expense		24,228			27,654		31,870

Net interest income		143,771			148,899		147,048
Provision for loan losses (1)		16,950			1,264		1,043

Net interest income after provision for loan losses		126,821			147,635		146,005

Wealth management fees		8,884			9,468		8,535
Service charges on deposit accounts		10,077			10,714		10,826
Debit card and ATM fees		4,998			5,360		5,503
Mortgage banking revenue		11,119			5,626		5,011
Investment product fees		5,874			5,679		5,271
Capital markets income		4,328			3,043		2,517
Company-owned life insurance		3,080			2,937		3,188
Other income		4,452			4,329		5,702
Gains (losses) on sales of debt securities		5,174			437		(103	)
Gains (losses) on derivatives		(484	)		133		(34	)

Total noninterest income		57,502			47,726		46,416

Salaries and employee benefits		79,173			74,974		71,183
Occupancy		15,133			14,184		14,578
Equipment		5,305			3,958		4,474
Marketing		3,097			3,631		3,723
Data processing		9,467			9,080		9,341
Communication		2,798			2,450		3,054
Professional fees		4,293			9,986		2,910
Loan expenses		1,771			1,873		1,912
FDIC assessment		1,609			1,529		2,087
Amortization of intangibles		3,776			3,946		4,472
Amortization of tax credit investments		5,515			710		260
Other expense		26,807			8,422		5,047

Total noninterest expense		158,744			134,743		123,041

Income before income taxes		25,579			60,618		69,380
Income tax expense		2,939			11,433		13,104

Net income	$	22,640		$	49,185	$	56,276


Diluted Earnings Per Share
Net income	$	0.13		$	0.29	$	0.32

Average Common Shares Outstanding
Basic		167,748			169,235		174,734
Diluted		168,404			170,186		175,368
Common shares outstanding at end of period		165,109			169,616		173,979

(1)	Beginning January 1, 2020, calculation is based on current expected loss methodology. Prior to January 1, 2020, calculation was based on incurred loss methodology.

Balance Sheet (unaudited)

($ in thousands)


	March 31,			December 31,			March 31,
	2020			2019			2019
Assets
Federal Reserve Bank account	$	130,295		$	29,141		$	101,033
Money market investments		9,349			12,430			10,909
Investments:
Treasury and government-sponsored agencies		530,904			610,666			782,486
Mortgage-backed securities		3,210,000			3,183,861			2,684,330
States and political subdivisions		1,302,395			1,275,643			1,252,448
Other securities		497,709			485,862			498,977

Total investments		5,541,008			5,556,032			5,218,241

Loans held for sale, at fair value		54,209			46,898			14,082
Loans:
Commercial		3,046,579			2,890,296			3,042,790
Commercial and agriculture real estate		5,283,464			5,166,792			5,023,620
Consumer:
Home equity		561,789			559,021			553,264
Other consumer loans		1,164,929			1,167,126			1,205,418

Subtotal of commercial and consumer loans		10,056,761			9,783,235			9,825,092
Residential real estate		2,327,851			2,334,289			2,243,885

Total loans		12,384,612			12,117,524			12,068,977

Total earning assets		18,119,473			17,762,025			17,413,242

Allowance for loan losses (1)		(106,380	)		(54,619	)		(55,559	)
Non-earning Assets:
Cash and due from banks		203,533			234,766			211,174
Premises and equipment, net		462,364			490,925			490,216
Operating lease right-of-use assets		86,819			95,477			109,916
Goodwill and other intangible assets		1,093,323			1,097,099			1,108,802
Company-owned life insurance		450,148			448,967			444,551
Net deferred tax assets		17,576			29,705			59,430
Loan servicing rights		24,132			25,368			24,254
Other assets		390,153			281,954			278,394

Total non-earning assets		2,728,048			2,704,261			2,726,737

Total assets	$	20,741,141		$	20,411,667		$	20,084,420

Liabilities and Equity
Noninterest-bearing demand deposits	$	4,058,559		$	4,042,286		$	3,903,314
Interest-bearing:
Checking and NOW accounts		4,105,006			4,149,639			3,742,241
Savings accounts		2,853,305			2,845,423			2,941,361
Money market accounts		1,746,798			1,833,819			1,780,756
Other time deposits		1,469,185			1,589,988			1,835,110

Total core deposits		14,232,853			14,461,155			14,202,782
Brokered CD’s		72,509			92,242			226,488

Total deposits		14,305,362			14,553,397			14,429,270
Federal funds purchased and interbank borrowings		560,770			350,414			325,030
Securities sold under agreements to repurchase		318,067			327,782			342,480
Federal Home Loan Bank advances		2,130,263			1,822,847			1,719,944
Other borrowings		236,114			243,685			251,584

Total borrowed funds		3,245,214			2,744,728			2,639,038
Operating lease liabilities		95,830			99,500			114,040
Accrued expenses and other liabilities		271,300			161,589			150,200

Total liabilities		17,917,706			17,559,214			17,332,548
Common stock, surplus, and retained earnings		2,685,278			2,796,246			2,749,252
Accumulated other comprehensive income (loss), net of tax		138,157			56,207			2,620

Total shareholders’ equity		2,823,435			2,852,453			2,751,872

Total liabilities and shareholders’ equity	$	20,741,141		$	20,411,667		$	20,084,420

(1)	Beginning January 1, 2020, calculation is based on current expected loss methodology. Prior to January 1, 2020,calculation was based on incurred loss methodology.

Average Balance Sheet and Interest Rates (unaudited)

($ in thousands)


	Three Months Ended								Three Months Ended								Three Months Ended
	March 31, 2020								December 31, 2019								March 31, 2019
	Average			Income (1)/		Yield/			Average			Income (1)/		Yield/			Average			Income (1)/		Yield/
Earning Assets:	Balance			Expense		Rate			Balance			Expense		Rate			Balance			Expense		Rate
Money market and other interest-earning investments	$	58,406		$	349		2.41	%	$	87,835		$	530		2.39	%	$	58,701		$	278		1.92	%
Investments:
Treasury and government-sponsored agencies		583,971			3,697		2.53	%		546,266			3,547		2.60	%		705,417			3,902		2.21	%
Mortgage-backed securities		3,171,650			19,065		2.40	%		3,172,818			18,844		2.38	%		2,497,368			17,603		2.82	%
States and political subdivisions		1,273,156			11,409		3.58	%		1,211,850			11,133		3.67	%		1,232,355			11,453		3.72	%
Other securities		494,500			3,216		2.60	%		489,889			3,585		2.93	%		497,604			4,440		3.57	%

Total investments		5,523,277			37,387		2.71	%		5,420,823			37,109		2.74	%		4,932,744			37,398		3.03	%

Loans: (2)
Commercial		2,907,297			29,053		3.95	%		2,891,641			31,925		4.32	%		3,122,402			36,035		4.62	%
Commercial and agriculture real estate		5,188,597			62,439		4.76	%		5,129,638			66,959		5.11	%		4,989,622			65,076		5.22	%
Consumer:
Home equity		558,356			5,631		4.06	%		561,125			6,426		4.54	%		588,366			7,596		5.24	%
Other consumer loans		1,167,802			12,219		4.21	%		1,153,924			12,245		4.21	%		1,192,496			11,802		4.01	%

Subtotal commercial and consumer loans		9,822,052			109,342		4.48	%		9,736,328			117,555		4.79	%		9,892,886			120,509		4.94	%
Residential real estate loans		2,370,295			24,244		4.09	%		2,332,835			24,641		4.23	%		2,259,243			23,931		4.24	%

Total loans		12,192,347			133,586		4.35	%		12,069,163			142,196		4.64	%		12,152,129			144,440		4.76	%

Total earning assets	$	17,774,030		$	171,322		3.84	%	$	17,577,821		$	179,835		4.05	%	$	17,143,574		$	182,116		4.26	%

Less: Allowance for loan losses (3)		(83,244	)							(57,162	)							(55,789	)
Non-earning Assets:
Cash and due from banks	$	287,601							$	278,324							$	229,957
Other assets		2,388,092								2,419,792								2,490,524

Total assets	$	20,366,479							$	20,218,775							$	19,808,266

Interest-Bearing Liabilities:
Checking and NOW accounts	$	4,104,778		$	2,860		0.28	%	$	4,121,021		$	3,812		0.37	%	$	3,693,886		$	3,142		0.34	%
Savings accounts		2,828,177			1,298		0.18	%		2,842,996			1,586		0.22	%		2,935,710			2,283		0.32	%
Money market accounts		1,784,169			2,507		0.57	%		1,839,258			3,558		0.77	%		1,702,655			2,826		0.67	%
Other time deposits		1,562,074			5,186		1.34	%		1,642,773			6,101		1.47	%		1,840,514			7,102		1.56	%

Total interest-bearing deposits		10,279,198			11,851		0.46	%		10,446,048			15,057		0.57	%		10,172,765			15,353		0.61	%
Brokered CD’s		84,099			447		2.14	%		109,504			637		2.31	%		191,443			1,091		2.31	%

Total interest-bearing deposits and CD’s		10,363,297			12,298		0.48	%		10,555,552			15,694		0.59	%		10,364,208			16,444		0.64	%

Federal funds purchased and interbank borrowings		392,857			1,240		1.27	%		95,973			437		1.80	%		316,998			1,918		2.45	%
Securities sold under agreements to repurchase		329,091			384		0.47	%		337,786			469		0.55	%		361,261			662		0.74	%
Federal Home Loan Bank advances		1,965,130			7,768		1.59	%		1,843,357			8,359		1.80	%		1,672,376			9,931		2.41	%
Other borrowings		240,276			2,538		4.23	%		251,565			2,695		4.29	%		249,794			2,915		4.67	%

Total borrowed funds		2,927,354			11,930		1.64	%		2,528,681			11,960		1.88	%		2,600,429			15,426		2.41	%

Total interest-bearing liabilities	$	13,290,651		$	24,228		0.73	%	$	13,084,233		$	27,654		0.84	%	$	12,964,637		$	31,870		1.00	%

Noninterest-Bearing Liabilities and Shareholders’ Equity
Demand deposits	$	3,964,493							$	4,047,308							$	3,846,828
Other liabilities		277,812								254,296								282,615
Shareholders’ equity		2,833,523								2,832,938								2,714,186

Total liabilities and shareholders’ equity	$	20,366,479							$	20,218,775							$	19,808,266

Net interest rate spread							3.11	%							3.21	%							3.26	%

Net interest margin (FTE)							3.31	%							3.46	%							3.51	%

FTE adjustment				$	3,323							$	3,282							$	3,198

(1)	Interest income is reflected on a fully taxable equivalent basis (FTE).

(2)	Includes loans held for sale.

(3)	Beginning January 1, 2020, calculation is based on current expected loss methodology. Prior to January 1, 2020, calculation was based on incurred loss methodology.

Asset Quality (EOP) (unaudited)

($ in thousands)


	Three Months Ended
	March 31,			December 31,			March 31,
	2020			2019			2019
Beginning allowance for loan losses	$	54,619		$	56,910		$	55,461
Impact of adopting ASC 326 on 1/1/2020 (1)		41,347			N/A			N/A
Provision for loan losses (1)		16,950			1,264			1,043
Gross charge-offs		(8,445	)		(6,304	)		(2,892	)
Gross recoveries		1,909			2,749			1,947

Net (charge-offs) recoveries		(6,536	)		(3,555	)		(945	)

Ending allowance for loan losses (1)	$	106,380		$	54,619		$	55,559

Net charge-offs (recoveries) / average loans (2)		0.21	%		0.12	%		0.03	%
Average loans outstanding (2)	$	12,182,704		$	12,058,109		$	12,147,560
EOP loans outstanding (2)		12,384,612		$	12,117,524		$	12,068,977
Allowance for loan losses / EOP loans (1)(2)		0.86	%		0.45	%		0.46	%

Underperforming Assets:
Loans 90 Days and over (still accruing)	$	658		$	570		$	560
Non-performing loans:
Nonaccrual loans (3)		126,987			126,412			152,881
Renegotiated loans		17,040			18,338			17,123

Total non-performing loans		144,027			144,750			170,004

Foreclosed properties		2,163			2,169			3,279

Total underperforming assets	$	146,848		$	147,489		$	173,843


Classified and Criticized Assets:
Nonaccrual loans (3)		126,987			126,412			152,881
Substandard accruing loans		181,157			169,689			210,680
Loans 90 days and over (still accruing)		658			570			560

Total classified loans - “problem loans”	$	308,802		$	296,671		$	364,121

Other classified assets		2,616			2,933			2,715
Criticized loans - “special mention loans”		238,011			234,841			268,836

Total classified and criticized assets	$	549,429		$	534,445		$	635,672

Non-performing loans / EOP loans (2)		1.16	%		1.19	%		1.41	%

Allowance to non-performing loans (1)(4)		74	%		38	%		33	%

Under-performing assets / EOP loans (2)		1.19	%		1.22	%		1.44	%

EOP total assets	$	20,741,141		$	20,411,667		$	20,084,420

Under-performing assets / EOP assets		0.71	%		0.72	%		0.87	%

EOP - End of period actual balances

(1)	Beginning January 1, 2020, calculation is based on current expected loss methodology. Prior to January 1, 2020, calculation was based on incurred loss methodology.

(2)	Excludes loans held for sale.

(3)	Includes renegotiated loans totaling $11.8 million at March 31, 2020, $13.8 million at December 31, 2019 and $27.0 million at March 31, 2019.

(4)	Includes acquired loans that were recorded at fair value in accordance with ASC 805 at the date of acquisition. As such, the credit risk was incorporated in the fair value recorded and no allowance for loan losses was recorded for 2019 quarter ends.

Non-GAAP Measures (unaudited)

($ in thousands)


	Three Months Ended
	March 31, 2020			December 31, 2019			March 31, 2019
Actual End of Period Balances
GAAP shareholders’ equity	$	2,823,435		$	2,852,453		$	2,751,872

Deduct:
Goodwill		1,036,994			1,036,994			1,036,258
Intangibles		56,329			60,105			72,544

		1,093,323			1,097,099			1,108,802

Tangible shareholders’ equity	$	1,730,112		$	1,755,354		$	1,643,070

Average Balances
GAAP shareholders’ equity	$	2,833,523		$	2,832,938		$	2,714,186

Deduct:
Goodwill		1,036,994			1,036,994			1,036,258
Intangibles		58,127			61,963			74,849

		1,095,121			1,098,957			1,111,107

Average tangible shareholders’ equity	$	1,738,402		$	1,733,981		$	1,603,079

Actual End of Period Balances
GAAP assets	$	20,741,141		$	20,411,667		$	20,084,420

Add:
Trust overdrafts		119			31			28

Deduct:
Goodwill		1,036,994			1,036,994			1,036,258
Intangibles		56,329			60,105			72,544

		1,093,323			1,097,099			1,108,802

Tangible assets	$	19,647,937		$	19,314,599		$	18,975,646

Risk-weighted assets	$	14,420,130		$	14,073,929		$	13,966,569

GAAP net income	$	22,640		$	49,185		$	56,276

Add:
Amortization of intangibles (net of tax)		2,849			2,976			3,373

Tangible net income	$	25,489		$	52,161		$	59,649

Tangible Ratios
Return on tangible common equity		5.89	%		11.89	%		14.52	%
Return on average tangible common equity		5.86	%		12.03	%		14.88	%
Return on tangible assets		0.52	%		1.08	%		1.26	%
Tangible common equity to tangible assets		8.81	%		9.09	%		8.66	%
Tangible common equity to risk-weighted assets		12.00	%		12.47	%		11.76	%
Tangible common book value (1)		10.48			10.35			9.44
Tangible common equity presentation includes other comprehensive income as is common in other company releases.
(1) Tangible common shareholders’ equity divided by common shares issued and outstanding at period-end.
Tier 1 common equity (2)	$	1,643,912		$	1,706,727		$	1,643,496

Risk-weighted assets		14,420,130			14,073,929			13,966,569

Tier 1 common equity to risk-weighted assets (2)		11.40	%		12.13	%		11.77	%
(2) Amounts are estimated at March 31, 2020.

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Document and Entity Information	Apr. 20, 2020
Cover [Abstract]
Entity Registrant Name	OLD NATIONAL BANCORP /IN/
Amendment Flag	false
Entity Central Index Key	0000707179
Document Type	8-K
Document Period End Date	Apr. 20, 2020
Entity Incorporation State 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	(800)
Local Phone Number	731-2265
Written Communications	false
Soliciting Material	false
Pre Commencement Tender Offer	false
Pre Commencement Issuer Tender Offer	false
Security 12b Title	Common Stock, No Par Value
Trading Symbol	ONB
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	false

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