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Jun 30, 2022

Old National Q2 2022 Earnings Report

Strong commercial loan growth and net interest margin expansion drove Old National's performance.

Key Takeaways

Old National Bancorp reported a robust second quarter with a 17% increase in annualized loan growth and strong net interest margin expansion. Net income applicable to common shares was $111.0 million, with diluted EPS of $0.38. Adjusted net income applicable to common shares was $134.6 million, or $0.46 per diluted common share.

Net income applicable to common shares was $111.0 million; adjusted net income applicable to common shares was $134.6 million.

EPS was $0.38; adjusted EPS was $0.46.

Net interest income on a fully taxable equivalent basis was $341.8 million.

Net interest margin on a fully taxable equivalent basis was 3.33%, up 45 basis points.

Total Revenue
$427M
Previous year: $201M
+111.8%
EPS
$0.46
Previous year: $0.41
+12.2%
Efficiency Ratio
62.7%
Previous year: 62.05%
+1.0%
Net Interest Margin
3.33%
Previous year: 2.91%
+14.4%
Return on Avg Tang Equity
16.9%
Previous year: 13.58%
+24.4%
Cash and Equivalents
$798M
Previous year: $491M
+62.5%
Free Cash Flow
$270M
Previous year: $60.4M
+346.5%
Total Assets
$45.7B
Previous year: $23.7B
+93.2%

Old National

Old National

Forward Guidance

The company anticipates completing the sale of Health Savings Accounts in the fourth quarter of 2022.