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Sep 30, 2023

Old National Q3 2023 Earnings Report

Old National's Q3 2023 financial results reflected a strong deposit franchise, ample capital, and expense discipline.

Key Takeaways

Old National Bancorp reported a net income applicable to common shares of $143.8 million, with a diluted EPS of $0.49 for Q3 2023. The company's results were supported by a nearly 3% quarterly increase in total deposits, a strong capital and liquidity position, disciplined expense management, and excellent credit metrics.

Net income applicable to common shares was $143.8 million, or $0.49 per diluted share.

Net interest income on a fully taxable equivalent basis was $380.9 million.

Period-end total deposits reached $37.3 billion, up 2.8% from the previous quarter.

End-of-period total loans amounted to $32.7 billion, reflecting a 0.5% increase.

Total Revenue
$456M
Previous year: $457M
-0.2%
EPS
$0.51
Previous year: $0.51
+0.0%
Efficiency Ratio
51.7%
Previous year: 56.2%
-8.0%
Net Interest Margin
3.49%
Previous year: 3.71%
-5.9%
Tangible Common Equity
6.15%
Cash and Equivalents
$1.66B
Previous year: $802M
+107.5%
Free Cash Flow
$218M
Previous year: $237M
-8.0%
Total Assets
$49.1B
Previous year: $46.2B
+6.2%

Old National

Old National

Old National Revenue by Segment

Forward Guidance

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.