Company: ONBPP
Filing Date: 2025-10-29
Form Type: 10-Q
Source: 0000707179-25-000064
Chunk: 92

Company: OLD NATIONAL BANCORP /IN/
Filing Date: 2025-10-29
Form: 10-Q
Item: Item 1
Chunk 92
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,933 4.71 %823,746 33,058 5.36 %Total borrowed funds6,565,783 192,326 3.92 %5,640,677 171,994 4.07 %Total interest-bearing liabilities$43,881,402 $895,510 2.73 %$35,518,480 $802,966 3.02 %Noninterest-Bearing Liabilities and   Shareholders’ EquityDemand deposits$11,145,709 $9,396,081 Other liabilities1,041,715 971,687 Shareholders’ equity7,352,143 5,912,546 Total liabilities and shareholders’ equity$63,420,969 $51,798,794 Net interest income - taxable equivalent basis$1,497,440 3.50 %$1,155,340 3.31 %Taxable equivalent adjustment(20,398)(18,737)Net interest income (GAAP)$1,477,042 3.45 %$1,136,603 3.26 %

(1)Interest income is reflected on a fully taxable equivalent basis.

(2)Includes loans held-for-sale.

64

The following table presents the dollar amount of changes in taxable equivalent net interest income attributable to changes in the average balances of assets and liabilities and the yields earned or rates paid.

From Three Months EndedSeptember 30, 2024 to ThreeMonths Ended September 30, 2025From Nine Months EndedSeptember 30, 2024 to NineMonths Ended September 30, 2025 TotalChange (1)Attributed toTotalChange (1)Attributed to(dollars in thousands)VolumeRateVolumeRateInterest IncomeMoney market and other interest-earning   investments$511 $2,994 $(2,483)$2,821 $10,793 $(7,972)Investment securities (2)58,826 39,428 19,398 110,237 74,727 35,510 Loans (3)179,761 187,510 (7,749)321,586 355,362 (33,776)Total interest income239,098 229,932 9,166 434,644 440,882 (6,238)Interest ExpenseChecking and NOW deposits6,877