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Dec 31, 2020

Old National Q4 2020 Earnings Report

Reported net income and EPS, driven by growth strategy and strong commercial loan production.

Key Takeaways

Old National Bancorp reported a strong fourth quarter with a net income of $74.1 million and diluted EPS of $0.44. The company's success was attributed to the implementation of the ONB Way growth strategy and strong commercial loan production. The quarter was capped off with a very strong year of earnings.

Net income for the fourth quarter was $74.1 million.

Earnings per diluted share for the fourth quarter was $0.44.

Net interest income on a fully taxable equivalent basis was $164.6 million.

Adjusted PPNR increased 27.2% over the fourth quarter of 2019.

Total Revenue
$220M
Previous year: $197M
+11.7%
EPS
$0.46
Previous year: $0.32
+43.8%
Efficiency Ratio
62.37%
Adjusted Efficiency Ratio
56.35%
Net Interest Margin
3.26%
Gross Profit
$220M
Previous year: $195M
+12.8%
Cash and Equivalents
$590M
Previous year: $276M
+113.4%
Free Cash Flow
$131M
Previous year: $90.7M
+44.1%
Total Assets
$23B
Previous year: $20.4B
+12.5%

Old National

Old National

Old National Revenue by Segment

Forward Guidance

The press release does not contain explicit forward guidance. Therefore, I cannot provide the positives or negative bullet points.

Revenue & Expenses

Visualization of income flow from segment revenue to net income