Company: ONBPP
Filing Date: 2025-07-30
Form Type: 10-Q
Source: 0000707179-25-000018
Chunk: 42

Company: OLD NATIONAL BANCORP /IN/
Filing Date: 2025-07-30
Form: 10-Q
Item: Item 1
Chunk 42
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 — — — — — — Indirect54 901 849 321 39 58 — 2,222 Direct75 195 970 876 286 395 1,515 4,312 Home equity— — — 34 — 154 — 188 Total gross charge-offs$129 $4,059 $11,701 $4,332 $488 $8,282 $2,070 $31,061 Nonaccrual and Past Due LoansOld National does not record interest on nonaccrual loans until principal is recovered. For all loan classes, a loan is generally placed on nonaccrual status when principal or interest becomes 90 days past due unless it is well secured and in the process of collection, or earlier when concern exists as to the ultimate collectability of principal or interest. Interest accrued but not received is reversed against earnings. Cash interest received on these loans is applied to the principal balance until the principal is recovered or until the loan returns to accrual status. Loans may 

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be returned to accrual status when all the principal and interest amounts contractually due are brought current, remain current for a prescribed period, and future payments are reasonably assured.The following table presents the aging of the amortized cost basis in past due loans by class of loans:(dollars in thousands)30-59 DaysPast Due60-89 DaysPast DuePast Due90 Days orMoreTotalPast DueCurrentTotalLoansJune 30, 2025Commercial$26,962 $18,401 $62,918 $108,281 $14,336,540 $14,444,821 Commercial real estate47,550 16,438 113,743 177,731 21,526,873 21,704,604 BBCC2,173 230 2,393 4,796 388,480 393,276 Residential33,354 14,188 37,414 84,956 8,127,286 8,212,242 Indirect7,088 2,166 906 10,160 1,062,864 1,073,024 Direct1,524 1,346 2,502 5,372 581,469 586,841 Home equity6,053 4,133 7,167 17