OLD NATIONAL BANCORP (ONB) [Rocket]

In millions, except per share items	Dec-31-22	Dec-31-21	Dec-31-20	Dec-31-19	Dec-31-18	Dec-31-17	Dec-31-16	Dec-31-15
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income on investments	247.6	135.6	132.9	143.1	106.8	91.9	85.6	387.6
Total interest income	1,454.2	638.6	663.3	730.4	632.0	495.3	447.1	399.2
Interest expense:
Interest on deposits	49.1	11.0	28.2	69.4	41.3	20.4	17.3	14.2
Interest on borrowings	51.5	21.1	27.3	37.5	34.9	24.8	15.5	8.1
	126.3	42.2	67.2	126.1	94.4	58.2	44.4	33.1
Net interest income	1,327.9	596.4	596.1	604.3	537.6	437.2	402.7	366.1
Provision for loan losses					7.0	3.1	1.0	2.9
Net interest income after provision for loan losses	1,327.9	596.4	596.1	604.3	530.6	434.1	401.7	363.2
Deposit and loan fees	72.5	31.7	32.6	44.9	44.0	41.3	41.6	43.4
Gain on sale of investments, net								5.7
Other non-interest income	327.3	182.6	206.7	154.4	151.3	142.1	211.3	181.5
Total non-interest income	399.8	214.2	239.3	199.3	195.3	183.4	252.8	230.6
Non-interest expenses	1,038.2	501.4	536.9	508.5	517.3	448.8	454.1	430.9
Pre-tax income	544.7	338.9	255.6	290.4	208.7	168.7	200.4	162.9
Income taxes	116.4	61.3	29.1	52.2	17.9	72.9	66.2	46.2
Tax rate	21.4%	18.1%	11.4%	18.0%	8.6%	43.2%	33.0%	28.3%
Net income	414.2	277.5	226.4	238.2	190.8	95.7	134.3	116.7
Net margin	24.0%	34.2%	27.1%	182.1%	26.3%	15.5%	20.5%	19.7%

Basic EPS	$1.51	$1.68	$1.37	$1.39	$1.23	$0.69	$1.05	$1.01
Diluted EPS	$1.50	$1.67	$1.36	$1.38	$1.22	$0.69	$1.05	$1.00

Shares outstanding (basic)	275.2	165.2	165.5	171.9	155.7	137.8	127.7	115.7
Shares outstanding (diluted)	276.7	165.9	166.2	172.7	156.5	138.5	128.3	116.3

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.