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Jun 30, 2024

Old National Q2 2024 Earnings Report

Old National's financial performance exceeded expectations due to revenue growth and expense management, with the successful closing of the CapStar Bank partnership enhancing its presence in Nashville and expanding into Southeastern markets.

Key Takeaways

Old National Bancorp reported a strong second quarter in 2024, with net income applicable to common shares of $117.2 million and diluted EPS of $0.37. Adjusted figures were even higher, with net income at $144.1 million and EPS at $0.46. The quarter was marked by better-than-expected revenue growth and lower expenses, along with the successful closing of the CapStar Bank partnership.

Net income applicable to common shares was $117.2 million, with adjusted net income at $144.1 million.

Earnings per diluted common share (EPS) reached $0.37, with adjusted EPS at $0.46.

Net interest income on a fully taxable equivalent basis totaled $394.8 million.

Period-end total deposits amounted to $40.0 billion, up $2.3 billion, while total loans reached $36.2 billion, up $2.6 billion.

Total Revenue
$476M
Previous year: $464M
+2.6%
EPS
$0.46
Previous year: $0.54
-14.8%
Efficiency Ratio
57.2%
Previous year: 51.2%
+11.7%
Net Interest Margin
3.33%
Previous year: 3.6%
-7.5%
Cash and Equivalents
$429M
Previous year: $1.2B
-64.2%
Free Cash Flow
$152M
Previous year: $154M
-1.6%
Total Assets
$53.1B
Previous year: $48.5B
+9.5%

Old National

Old National

Forward Guidance

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.

Positive Outlook

  • descriptions of Old National’s financial condition
  • results of operations
  • asset and credit quality trends
  • profitability
  • 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, 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