•
Mar 31, 2024

Old National Q1 2024 Earnings Report

Reported positive quarterly results driven by deposit growth, disciplined loan growth, tangible book value increase, and stable credit quality.

Key Takeaways

Old National Bancorp reported a solid first quarter in 2024, with net income applicable to common shares of $116.3 million and diluted EPS of $0.40. Adjusted net income was $130.8 million, with adjusted EPS of $0.45. The company saw growth in deposits and loans, and maintained strong credit quality.

Net income applicable to common shares was $116.3 million, or $0.40 per diluted share.

Net interest income was $362.7 million and net interest margin was 3.28%.

Total deposits reached $37.7 billion, up 5.0% annualized, and total loans were $33.6 billion, up 7.5% annualized.

The company completed its acquisition of CapStar Financial Holdings, Inc. on April 1, 2024.

Total Revenue
$434M
Previous year: $452M
-4.0%
EPS
$0.45
Previous year: $0.54
-16.7%
Efficiency Ratio
58.3%
Previous year: 52.8%
+10.4%
Net Interest Margin
3.28%
Previous year: 3.69%
-11.1%
Return on Avg Tang Equity
14.9%
Cash and Equivalents
$939M
Previous year: $712M
+31.9%
Free Cash Flow
$95.8M
Previous year: $43.2M
+121.5%
Total Assets
$49.5B
Previous year: $47.8B
+3.5%

Old National

Old National

Forward Guidance

This communication contains certain forward-looking statements with the important disclaimer that actual results or outcomes could differ materially from those in such statements.

Positive Outlook

  • Descriptions of Old National’s financial condition
  • Descriptions of Old National's results of operations
  • Descriptions of Old National's asset and credit quality trends
  • Descriptions of Old National's profitability
  • Descriptions of Old National's business plans or opportunities

Challenges Ahead

  • Competition
  • Government legislation, regulations and policies
  • The ability of Old National to execute its business plan
  • Unanticipated changes in our liquidity position
  • 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