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Loans and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2024

Receivables [Abstract]

Schedule of Composition of Loans and Impact of Adoption

The portfolio segment reclassifications follow:

			Balance Sheet Line Item						Portfolio Segment Reclassifications						Portfolio Segment After Reclassifications
(dollars in thousands)
March 31, 2024
Commercial (1)			$	9,648,269					$	(232,045)					$	9,416,224
Commercial real estate			14,653,958						(172,659)						14,481,299
BBCC			N/A						404,704						404,704
Residential real estate			6,661,379						—						6,661,379
Consumer			2,659,713						(2,659,713)						N/A
Indirect			N/A						1,091,998						1,091,998
Direct			N/A						506,305						506,305
Home equity			N/A						1,061,410						1,061,410
Total loans (2)			$	33,623,319					$	—					$	33,623,319
Allowance for credit losses on loans			(319,713)						—						(319,713)
Net loans			$	33,303,606					$	—					$	33,303,606
December 31, 2023
Commercial (1)			$	9,512,230					$	(232,764)					$	9,279,466
Commercial real estate			14,140,629						(169,058)						13,971,571
BBCC			N/A						401,822						401,822
Residential real estate			6,699,443						—						6,699,443
Consumer			2,639,625						(2,639,625)						N/A
Indirect			N/A						1,050,982						1,050,982
Direct			N/A						523,172						523,172
Home equity			N/A						1,065,471						1,065,471
Total loans (2)			$	32,991,927					$	—					$	32,991,927
Allowance for credit losses on loans			(307,610)						—						(307,610)
Net loans			$	32,684,317					$	—					$	32,684,317

(1)Includes direct finance leases of $161.7 million at March 31, 2024 and $169.7 million at December 31, 2023.

(2)    Includes unearned income of $88.9 million at March 31, 2024 and $93.7 million at December 31, 2023.

Schedule of Activity in Allowance for Loan Losses

Old National’s activity in the allowance for credit losses on loans by portfolio segment was as follows:

(dollars in thousands)			Balance at Beginning of Period												Charge-offs						Recoveries						Provision for Loan Losses						Balance at End of Period
Three Months Ended March 31, 2024
Commercial			$	118,333											$	(3,659)					$	334					$	8,429					$	123,437
Commercial real estate			155,099												(6,641)						1,035						11,147						160,640
BBCC			2,887												(76)						18						334						3,163
Residential real estate			20,837												—						19						1,043						21,899
Indirect			1,236												(1,138)						332						788						1,218
Direct			3,169												(2,428)						487						1,724						2,952
Home equity			6,049												(78)						45						388						6,404
Total			$	307,610											$	(14,020)					$	2,270					$	23,853					$	319,713
Three Months Ended March 31, 2023
Commercial			$	120,612											$	(12,423)					$	283					$	17,296					$	125,768
Commercial real estate			138,244												(1,189)						263						(1,970)						135,348
BBCC			2,431												(28)						73						(160)						2,316
Residential real estate			21,916												(23)						72						(1,758)						20,207
Indirect			1,532												(1,197)						412						687						1,434
Direct			12,116												(3,238)						581						(2,693)						6,766
Home equity			6,820												(82)						67						67						6,872
Total			$	303,671											$	(18,180)					$	1,751					$	11,469					$	298,711

Old National’s activity in the allowance for credit losses on unfunded loan commitments was as follows:

									Three Months Ended March 31,
(dollars in thousands)															2024						2023
Allowance for credit losses on unfunded loan commitments:
Balance at beginning of period															$	31,226					$	32,188
Provision (release) for credit losses on unfunded loan    commitments															(4,962)						1,968
Balance at end of period															$	26,264					$	34,156

Schedule of Risk Category of Loans and Amortized Cost

The following table summarizes the amortized cost of term loans by risk category of commercial, commercial real estate, and BBCC loans by loan portfolio segment, class of loan, and origination year:

(dollars in thousands)			Origination Year																																										Revolving to Term
			2024						2023						2022						2021						2020						Prior						Revolving												Total
March 31, 2024
Commercial:
Pass			$	410,201					$	1,750,748					$	1,366,887					$	874,692					$	478,725					$	799,327					$	2,162,262					$	891,572					$	8,734,414
Criticized			1,087						23,697						66,438						16,667						36,943						50,076						123,117						15,698						333,723
Classified:
Substandard			6,680						8,148						37,790						32,816						33,303						27,990						60,662						67,681						275,070
Nonaccrual			—						8,206						—						—						—						1,623						603						2,285						12,717
Doubtful			—						12,237						35,110						6,343						4,523						2,087						—						—						60,300
Total			$	417,968					$	1,803,036					$	1,506,225					$	930,518					$	553,494					$	881,103					$	2,346,644					$	977,236					$	9,416,224
Commercial real estate:
Pass			$	461,150					$	2,274,374					$	3,680,370					$	2,438,872					$	1,479,830					$	2,057,232					$	98,657					$	988,203					$	13,478,688
Criticized			7,746						51,975						48,071						132,220						38,258						112,902						7,869						80,231						479,272
Classified:
Substandard			280						10,079						66,381						37,954						33,966						142,537						—						57,157						348,354
Nonaccrual			—						206						19,344						11,850						2,599						19,159						—						2,465						55,623
Doubtful			—						5,217						21,775						24,349						2,224						65,797						—						—						119,362
Total			$	469,176					$	2,341,851					$	3,835,941					$	2,645,245					$	1,556,877					$	2,397,627					$	106,526					$	1,128,056					$	14,481,299
BBCC:
Pass			$	20,205					$	82,522					$	63,561					$	41,025					$	35,964					$	41,883					$	65,020					$	31,595					$	381,775
Criticized			122						—						571						872						528						324						2,004						10,003						14,424
Classified:
Substandard			73						444						191						248						126						82						575						994						2,733
Nonaccrual			—						—						—						470						—						1,169						—						1,962						3,601
Doubtful			—						904						564						229						252						222						—						—						2,171
Total			$	20,400					$	83,870					$	64,887					$	42,844					$	36,870					$	43,680					$	67,599					$	44,554					$	404,704

(dollars in thousands)			Origination Year																																										Revolving to Term
			2023						2022						2021						2020						2019						Prior						Revolving												Total
December 31, 2023
Commercial:
Pass			$	1,826,289					$	1,573,669					$	985,964					$	520,883					$	450,911					$	495,979					$	2,051,985					$	651,953					$	8,557,633
Criticized			20,038						90,031						19,953						36,906						25,756						47,357						89,765						44,348						374,154
Classified:
Substandard			27,271						41,164						27,990						37,618						10,461						29,981						72,703						56,716						303,904
Nonaccrual			32						7,034						—						—						823						3,411						—						5,461						16,761
Doubtful			—						7,261						5,925						4,875						1,742						7,211						—						—						27,014
Total			$	1,873,630					$	1,719,159					$	1,039,832					$	600,282					$	489,693					$	583,939					$	2,214,453					$	758,478					$	9,279,466
Commercial real estate:
Pass			$	2,177,841					$	3,515,702					$	2,563,638					$	1,576,044					$	1,010,351					$	1,161,119					$	103,332					$	960,386					$	13,068,413
Criticized			69,648						69,946						68,708						27,059						52,107						95,896						3,893						64,730						451,987
Classified:
Substandard			26,638						56,423						21,401						28,983						61,186						49,558						—						48,760						292,949
Nonaccrual			—						21,919						10,706						1,975						1,634						8,632						—						1,400						46,266
Doubtful			5,360						429						30,897						2,306						37,777						35,187						—						—						111,956
Total			$	2,279,487					$	3,664,419					$	2,695,350					$	1,636,367					$	1,163,055					$	1,350,392					$	107,225					$	1,075,276					$	13,971,571
BBCC:
Pass			$	81,102					$	64,583					$	44,307					$	38,086					$	27,557					$	19,028					$	68,807					$	33,361					$	376,831
Criticized			—						—						857						700						1,001						349						2,144						12,728						17,779
Classified:
Substandard			436						193						252						—						—						604						15						1,006						2,506
Nonaccrual			—						—						482						—						4						1,105						—						1,402						2,993
Doubtful			302						727						254						286						60						84						—						—						1,713
Total			$	81,840					$	65,503					$	46,152					$	39,072					$	28,622					$	21,170					$	70,966					$	48,497					$	401,822

The following table presents the amortized cost of term residential real estate and consumer loans based on payment activity and origination year:

			Origination Year																																										Revolving to Term
(dollars in thousands)			2024						2023						2022						2021						2020						Prior						Revolving												Total
March 31, 2024
Residential real estate:
Risk Rating:
Performing			$	52,693					$	475,237					$	1,494,593					$	1,857,010					$	1,615,143					$	1,119,364					$	74					$	243					$	6,614,357
Nonperforming			—						1,366						6,461						6,151						3,771						29,273						—						—						47,022
Total			$	52,693					$	476,603					$	1,501,054					$	1,863,161					$	1,618,914					$	1,148,637					$	74					$	243					$	6,661,379
Indirect:
Risk Rating:
Performing			$	139,067					$	373,733					$	321,837					$	143,848					$	69,757					$	39,133					$	—					$	215					$	1,087,590
Nonperforming			—						695						1,668						1,110						450						485						—						—						4,408
Total			$	139,067					$	374,428					$	323,505					$	144,958					$	70,207					$	39,618					$	—					$	215					$	1,091,998
Direct:
Risk Rating:
Performing			$	19,941					$	92,696					$	123,339					$	82,175					$	29,248					$	73,369					$	79,443					$	611					$	500,822
Nonperforming			—						18						522						386						658						3,886						3						10						5,483
Total			$	19,941					$	92,714					$	123,861					$	82,561					$	29,906					$	77,255					$	79,446					$	621					$	506,305
Home equity:
Risk Rating:
Performing			$	—					$	2					$	396					$	299					$	—					$	4,911					$	1,012,484					$	25,360					$	1,043,452
Nonperforming			—						1						7						131						242						4,688						3,618						9,271						17,958
Total			$	—					$	3					$	403					$	430					$	242					$	9,599					$	1,016,102					$	34,631					$	1,061,410

			Origination Year																																										Revolving to Term
			2023						2022						2021						2020						2019						Prior						Revolving												Total
December 31, 2023
Residential real estate:
Risk Rating:
Performing			$	453,743					$	1,508,671					$	1,836,078					$	1,705,131					$	430,783					$	722,987					$	—					$	279					$	6,657,672
Nonperforming			116						4,563						4,004						3,375						4,078						25,635						—						—						41,771
Total			$	453,859					$	1,513,234					$	1,840,082					$	1,708,506					$	434,861					$	748,622					$	—					$	279					$	6,699,443
Indirect:
Risk Rating:
Performing			$	393,369					$	355,822					$	162,735					$	82,871					$	37,967					$	13,815					$	—					$	196					$	1,046,775
Nonperforming			372						1,472						1,207						547						318						291						—						—						4,207
Total			$	393,741					$	357,294					$	163,942					$	83,418					$	38,285					$	14,106					$	—					$	196					$	1,050,982
Direct:
Risk Rating:
Performing			$	109,372					$	90,310					$	92,491					$	48,387					$	29,659					$	67,129					$	75,080					$	4,852					$	517,280
Nonperforming			67						531						517						560						210						3,872						124						11						5,892
Total			$	109,439					$	90,841					$	93,008					$	48,947					$	29,869					$	71,001					$	75,204					$	4,863					$	523,172
Home equity:
Risk Rating:
Performing			$	290					$	164					$	160					$	140					$	679					$	4,483					$	1,019,389					$	23,918					$	1,049,223
Nonperforming			—						310						328						404						741						4,327						2,844						7,294						16,248
Total			$	290					$	474					$	488					$	544					$	1,420					$	8,810					$	1,022,233					$	31,212					$	1,065,471

The following table summarizes the gross charge-offs of loans by loan portfolio segment and origination year:

			Origination Year
(dollars in thousands)			2024						2023						2022						2021						2020						Prior						Revolving									Total
Three Months Ended March 31, 2024
Commercial			$	—					$	—					$	3,481					$	33					$	8					$	4					$	133											$	3,659
Commercial real estate			—						—						—						2,176						—						4,465						—												6,641
BBCC			—						—						76						—						—						—						—												76
Residential real estate			—						—						—						—						—						—						—												—
Indirect			—						370						472						225						33						38						—												1,138
Direct			—						116						576						529						113						223						871												2,428
Home equity			—						—						—						34						—						44						—												78
Total gross charge-offs			$	—					$	486					$	4,605					$	2,997					$	154					$	4,774					$	1,004											$	14,020
			Origination Year
			2023						2022						2021						2020						2019						Prior						Revolving									Total
Three Months Ended March 31, 2023
Commercial			$	—					$	—					$	5,230					$	—					$	6,789					$	239					$	165											$	12,423
Commercial real estate			—						54						735						400						—						—						—												1,189
BBCC			—						—						28						—						—						—						—												28
Residential real estate			—						—						—						—						—						23						—												23
Indirect			—						514						430						93						111						49						—												1,197
Direct			—						471						794						286						327						195						1,165												3,238
Home equity			—						—						—						—						—						82						—												82
Total gross charge-offs			$	—					$	1,039					$	7,217					$	779					$	7,227					$	588					$	1,330											$	18,180

Schedule of Past Due Financing Receivables

The following table presents the aging of the amortized cost basis in past due loans by class of loans:

(dollars in thousands)			30-59 Days Past Due						60-89 Days Past Due						Past Due 90 Days or More						Total Past Due						Current						Total Loans
March 31, 2024
Commercial			$	10,099					$	1,620					$	10,023					$	21,742					$	9,394,482					$	9,416,224
Commercial real estate			8,838						27,844						32,539						69,221						14,412,078						14,481,299
BBCC			1,268						1,111						1,240						3,619						401,085						404,704
Residential			31,319						5,030						14,216						50,565						6,610,814						6,661,379
Indirect			5,488						1,351						1,205						8,044						1,083,954						1,091,998
Direct			4,751						1,115						3,454						9,320						496,985						506,305
Home equity			4,948						1,045						7,921						13,914						1,047,496						1,061,410
Total			$	66,711					$	39,116					$	70,598					$	176,425					$	33,446,894					$	33,623,319
December 31, 2023
Commercial			$	16,128					$	1,332					$	4,861					$	22,321					$	9,257,145					$	9,279,466
Commercial real estate			9,081						5,254						30,660						44,995						13,926,576						13,971,571
BBCC			1,368						134						977						2,479						399,343						401,822
Residential			12,358						367						15,249						27,974						6,671,469						6,699,443
Indirect			7,025						1,854						1,342						10,221						1,040,761						1,050,982
Direct			5,436						1,455						1,787						8,678						514,494						523,172
Home equity			7,791						2,347						6,659						16,797						1,048,674						1,065,471
Total			$	59,187					$	12,743					$	61,535					$	133,465					$	32,858,462					$	32,991,927

Schedule of Nonaccrual and Past Due Loans

The following table presents the amortized cost basis of loans on nonaccrual status and loans past due 90 days or more and still accruing by class of loan:

			March 31, 2024																		December 31, 2023
(dollars in thousands)			Nonaccrual Amortized Cost						Nonaccrual With No Related Allowance						Past Due 90 Days or More and Accruing						Nonaccrual Amortized Cost						Nonaccrual With No Related Allowance						Past Due 90 Days or More and Accruing
Commercial			$	73,017					$	16,707					$	1,167					$	43,775					$	13,143					$	242
Commercial real estate			174,985						56,216						742						158,222						24,507						585
BBCC			5,772						—						98						4,706						—						95
Residential			47,022						—						10						41,771						—						—
Indirect			4,408						—						108						4,207						—						8
Direct			5,483						—						42						5,892						—						31
Home equity			17,958						—						5						16,248						—						—
Total			$	328,645					$	72,923					$	2,172					$	274,821					$	37,650					$	961

The following table presents the amortized cost basis of collateral dependent loans by class of loan:

			Type of Collateral
(dollars in thousands)			Real Estate						Blanket Lien						Investment Securities/Cash						Auto						Other
March 31, 2024
Commercial			$	11,284					$	39,258					$	5,728					$	11,582					$	319
Commercial real estate			163,753						—						1,133						—						6,031
BBCC			3,793						1,701						—						278						—
Residential			47,022						—						—						—						—
Indirect			—						—						—						4,408						—
Direct			4,559						—						7						386						48
Home equity			17,958						—						—						—						—
Total loans			$	248,369					$	40,959					$	6,868					$	16,654					$	6,398
December 31, 2023
Commercial			$	14,303					$	24,729					$	2,577					$	280					$	328
Commercial real estate			146,425						—						1,167						—						6,107
BBCC			3,522						794						—						390						—
Residential			41,771						—						—						—						—
Indirect			—						—						—						4,207						—
Direct			4,727						1						3						366						29
Home equity			16,248						—						—						—						—
Total loans			$	226,996					$	25,524					$	3,747					$	5,243					$	6,464

Schedule of Activity in Trouble Debt Restructurings

The following table presents the amortized cost basis of financial difficulty modifications that were modified for borrowers experiencing financial difficulty, by class of loans and type of modification:

(dollars in thousands)									Term Extension																														Total Class of Loans
Three Months Ended March 31, 2024
Commercial									$	29,426																													0.3		%
Commercial real estate									120,891																														0.8		%
Total									$	150,317																													0.4		%
Three Months Ended March 31, 2023
Commercial									$	17,342																													0.2		%
Commercial real estate									9,926																														0.1		%
Total									$	27,268																													0.1		%

Old National closely monitors the performance of financial difficulty modifications to understand the effectiveness of its efforts. The following table presents the performance of loans identified as financial difficulty modifications:

(dollars in thousands)			30-59 Days Past Due						60-89 Days Past Due						Past Due 90 Days or More						Total Past Due						Current						Total Loans
March 31, 2024
Commercial			$	—					$	—					$	—					$	—					$	29,426					$	29,426
Commercial real estate			4,059						31,222						—						35,281						85,610						120,891
Total			$	4,059					$	31,222					$	—					$	35,281					$	115,036					$	150,317
December 31, 2023
Commercial			$	—					$	—					$	—					$	—					$	21,631					$	21,631
Commercial real estate			5,287						—						—						5,287						116,242						121,529
Total			$	5,287					$	—					$	—					$	5,287					$	137,873					$	143,160

The following table summarizes the nature of the financial difficulty modifications by class of loans:

(dollars in thousands)

Weighted- Average Term Extension (in months)

Three Months Ended March 31, 2024

Commercial

9.1

Commercial real estate

8.1

Total

8.6

Three Months Ended March 31, 2023

Commercial

6.8

Commercial real estate

4.1

Total

5.6

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