Old National Bancorp (ONB) 8-K Results of Operations and Financial Condition

Exhibit: 99.2

	Old National Bancorp Financial Trends
	First Quarter 2005
	April 21, 2005
	Please direct inquiries to:
	Christopher A. Wolking, Executive Vice President & Chief Financial Officer (812) 464-1322 orCandice Jenkins, Senior Vice President & Corporate Controller (812) 461-9769

Note:	-Disclosures based on operating earnings, which exclude gains on branch divestitures and restructuring charges, are included to provide comparable data between years.
	-All share and per share data have been adjusted for stock dividends.
	-Summations may not equal due to rounding.

Old National Bancorp
Financial Summary
First Quarter 2005

												2004												2005
2001		2002			2003			2004				1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr	3rd Qtr	4th Qtr
											Profitability (in millions)
93.0			117.9			70.4			67.6		NET INCOME		19.5			11.3			18.2			18.6			18.5
—			0.6			2.5			2.8		NET INCOME from Discontinued Operations		0.9			1.1			0.4			0.4			(1.0	)
93.0			117.3			67.9			64.8		NET INCOME from Continuing Operations		18.6			10.2			17.8			18.2			19.4
(5.9	)		8.3			—			—		NON-OPERATING Income (Expense)		—			—			—			—			—
99.0			109.0			67.9			64.8		OPERATING EARNINGS (2)		18.6			10.2			17.8			18.2			19.4
105.1			109.8			69.0			66.2		NET INCOME CASH BASIS (1)		18.9			10.6			18.2			18.5			19.7
											Diluted EPS
1.29			1.67			1.00			0.97		Net Income		0.28			0.16			0.26			0.27			0.27
—			0.01			0.03			0.04		Net Income from Discontinued Operations		0.01			0.02			—			0.01			(0.01	)
1.29			1.66			0.97			0.93		Net Income from Continuing Operations		0.27			0.14			0.26			0.26			0.28
(0.08	)		0.12			—			—		Non-Operating		—			—			—			—			—
1.37			1.54			0.97			0.93		Operating (2)		0.27			0.14			0.26			0.26			0.28
1.46			1.55			0.98			0.95		Net Income Cash Basis (1)		0.27			0.15			0.26			0.27			0.30
											Net Income Ratios
14.45	%		17.05	%		9.48	%		9.51	%	Return on Common Equity		10.68	%		6.34	%		10.58	%		10.45	%		10.48	%
1.05	%		1.27	%		0.74	%		0.74	%	Return on Assets		0.84	%		0.49	%		0.81	%		0.83	%		0.84	%
											Operating Ratios
1.12	%		1.18	%		0.71	%		0.71	%	Return on Assets (2)		0.80	%		0.44	%		0.79	%		0.81	%		0.88	%
57.6	%		56.1	%		59.8	%		72.6	%	Efficiency Ratio (2)		67.9	%		80.7	%		67.6	%		73.7	%		66.1	%
3.77	%		3.65	%		3.37	%		3.31	%	Net Interest Margin		3.37	%		3.38	%		3.30	%		3.21	%		3.22	%
0.45	%		0.34	%		1.21	%		0.61	%	Net Charge-offs / Average Loans (3)		0.25	%		0.89	%		0.48	%		0.83	%		0.37	%
											Capital Ratios:
											Risk-Based Capital Ratios (end of period):
9.3	%		11.1	%		11.0	%		11.2	%	Tier 1		11.1	%		11.3	%		11.4	%		11.2	%		11.0	%
12.8	%		14.8	%		14.7	%		14.9	%	Total		14.8	%		15.1	%		15.2	%		14.9	%		14.7	%
6.6	%		7.5	%		7.3	%		7.7	%	Leverage Ratio (to average assets)		7.5	%		7.5	%		7.7	%		7.7	%		7.8	%
7.27	%		7.47	%		7.78	%		7.79	%	Total equity to assets (averages)		7.89	%		7.69	%		7.66	%		7.90	%		7.99	%
											Stock Price/ Dividend Ratios:
0.56			0.63			0.69			0.72		Per Share Dividend		0.18			0.18			0.18			0.18			0.19
43	%		38	%		69	%		74	%	Dividend Payout Ratio		65	%		112	%		69	%		67	%		71	%
20.77			20.99			20.72			24.63		Stock Price at EOP		21.52			23.65			23.66			24.63			20.30
9.03			10.52			10.24			10.15		Book Value Per Share		10.62			9.68			10.29			10.15			9.76

(1)	Excludes after-tax impact of amortization of intangible assets and goodwill impairment.
(2)	Operating earnings exclude gains on branch divestitures and restructuring charges.
(3)	Net charge-offs include $3.4 million, $1.2 million and $14.7 million of write-downs on loans transferred to held for sale for the fourth quarter and second quarter of 2004 and for the year of 2003, respectively.

PAGE 1

Old National Bancorp
INCOME STATEMENT
($ In Millions except EPS information)

Three Months					Change							First Quarter						Change
2005		2004			$			%				2005			2004			$			%
$         108.3		$	114.2		$	(5.9	)		-5	%	Interest Income — FTE	$	108.3		$	114.2		$	(5.9	)		-5	%
44.1			43.0			1.1			3	%	Less: Interest Expense		44.1			43.0			1.1			3	%
64.2			71.2			(7.0	)		-10	%	Net Interest Income — FTE		64.2			71.2			(7.0	)		-10	%
4.9			4.9			(0.0	)		-1	%	Wealth management fees		4.9			4.9			(0.0	)		-1	%
11.1			10.8			0.3			3	%	Service charges on deposit accounts		11.1			10.8			0.3			3	%
9.1			9.2			(0.2	)		-2	%	Insurance premiums and commissions		9.1			9.2			(0.2	)		-2	%
2.6			3.2			(0.6	)		-19	%	Investment product fees		2.6			3.2			(0.6	)		-19	%
1.4			(0.3	)		1.7			N/M		Mortgage banking revenue		1.4			(0.3	)		1.7			N/M
7.3			7.8			(0.5	)		-6	%	Other income		7.3			7.8			(0.5	)		-6	%
36.2			35.5			0.7			2	%	Total Fees and Service Charges		36.2			35.5			0.7			2	%
(0.5	)		2.0			(2.5	)		-126	%	Gains (Losses) Sales of Securities		(0.5	)		2.0			(2.5	)		-126	%
35.7			37.5			(1.8	)		-5	%	Total Noninterest Income		35.7			37.5			(1.8	)		-5	%
99.9			108.7			(8.8	)		-8	%	Total Revenues (FTE)		99.9			108.7			(8.8	)		-8	%
39.0			44.2			(5.2	)		-12	%	Salaries and employee benefits		39.0			44.2			(5.2	)		-12	%
27.0			29.6			(2.6	)		-9	%	Other expense		27.0			29.6			(2.6	)		-9	%
66.1			73.8			(7.8	)		-11	%	Total Noninterest Expense		66.1			73.8			(7.8	)		-11	%
5.1			7.5			(2.4	)		-32	%	Provision for loan losses		5.1			7.5			(2.4	)		-32	%
28.7			27.3			1.4			5	%	Income before income taxes and discontinued operations (FTE)		28.7			27.3			1.4			5	%
3.7			2.7			1.1			40	%	Income Taxes on continuing ops.		3.7			2.7			1.1			40	%
5.6			6.1			(0.5	)		-9	%	FTE Adjustment		5.6			6.1			(0.5	)		-9	%
9.3			8.8			0.6			6	%	Total Taxes (FTE)		9.3			8.8			0.6			6	%
19.4			18.6			0.8			5	%	Income from Cont. Ops.		19.4			18.6			0.8			5	%
(1.0	)		0.9			(1.9	)		(2.1	)	Income from Discontinued Ops., net of tax		(1.0	)		0.9			(1.9	)		(2.1	)
$           18.5		$	19.5		$	(1.1	)		-5	%	Net Income	$	18.5		$	19.5		$	(1.1	)		-5	%
0.28			0.27			0.02			6	%	EPS — Diluted Net Income from Cont. Ops.		0.28			0.27			0.02			6	%
(0.01	)		0.01			(0.03	)		-208	%	EPS — Diluted Net Income from Disco. Ops.		(0.01	)		0.01			(0.03	)		-208	%
0.27			0.28			(0.01	)		-4	%	EPS — Diluted Net Income		0.27			0.28			(0.01	)		-4	%
0.30			0.27			0.03			10	%	EPS — Diluted Net Income Cash Basis (1)		0.30			0.27			0.03			10	%
68,737			69,771			(1,035	)		-1	%	EOP Shares Outstanding (000s)		68,737			69,771			(1,035	)		-1	%
68,589			69,677			(1,088	)		-2	%	Average Basic Shares (000s)		68,589			69,677			(1,088	)		-2	%
68,787			69,783			(996	)		-1	%	Average Diluted Shares (000s)		68,787			69,783			(996	)		-1	%

FTE - Fully taxable equivalent basis
(1)	Excludes after-tax impact of amortization of intangible assets and goodwill impairment.

PAGE 2

Old National Bancorp
NET INCOME TRENDS
First Quarter 2005
($ In Millions except EPS information)

									2004										2005
2001		2002		2003		2004			1st Qtr			2nd Qtr			3rd Qtr		4th Qtr		1st Qtr			2nd Qtr	3rd Qtr	4th Qtr
651.0			572.6		494.8		441.0	Interest Income — FTE		114.2			111.4			107.4		108.0		108.3
338.4			258.0		197.7		166.4	Less: Interest Expense		43.0			40.3			40.5		42.6		44.1
312.6			314.6		297.1		274.6	Net Interest Income — FTE		71.2			71.2			66.9		65.3		64.2
20.7			19.4		20.4		20.4	Wealth management fees		4.9			5.3			4.9		5.3		4.9
40.5			42.0		44.9		48.5	Service charges on deposit accounts		10.8			12.4			12.6		12.7		11.1
13.3			15.2		22.4		32.8	Insurance premiums and commissions		9.2			8.2			7.4		8.0		9.1
6.8			9.0		10.6		12.0	Investment product fees		3.2			3.8			2.5		2.5		2.6
9.7			14.5		19.1		8.5	Mortgage banking revenue		(0.3	)		7.1			0.2		1.4		1.4
17.2			23.0		23.1		25.3	Other income		7.8			5.4			7.0		5.2		7.3
108.2			123.0		140.5		147.4	Total Fees and Service Charges		35.5			42.2			34.7		35.1		36.2
4.8			12.4		23.6		2.9	Gains (Losses) Sales of Securities		2.0			—			0.3		0.6		(0.5	)
113.0			135.4		164.1		150.4	Total Noninterest Income		37.5			42.2			35.0		35.7		35.7
425.6			450.0		461.1		425.0	Total Revenues (FTE)		108.7			113.3			101.9		101.0		99.9
138.2			144.5		151.4		171.9	Salaries and employee benefits		44.2			48.1			38.3		41.3		39.0
106.9			107.8		124.4		136.8	Other expense		29.6			43.4			30.6		33.2		27.0
245.1			252.3		275.8		308.7	Total Noninterest Expense		73.8			91.5			68.9		74.4		66.1
28.7			33.5		85.0		22.4	Provision for loan losses		7.5			7.5			7.4		—		5.1
151.8			164.2		100.3		93.9	Income before taxes and Disco. Ops (FTE)		27.3			14.3			25.6		26.6		28.7
31.5			30.0		7.3		5.2	Income Taxes on continuing ops.		2.7			(1.9	)		1.8		2.6		3.7
21.3			25.2		25.1		23.9	FTE Adjustment		6.1			6.0			6.0		5.8		5.6
52.8			55.2		32.4		29.1	Total Taxes (FTE)		8.8			4.1			7.8		8.4		9.3
99.0			109.0		67.9		64.8	Operating Earnings (1)		18.6			10.2			17.8		18.2		19.4
(5.9	)		8.3		—		—	Non-Operating Income (Expense)		—			—			—		—		—
93.0			117.3		67.9		64.8	Net Income from Cont. Ops.		18.6			10.2			17.8		18.2		19.4
—			0.6		2.5		2.8	Income from Discontinued Ops., net of tax		0.9			1.1			0.4		0.4		(1.0	)
93.0			117.9		70.4		67.6	Net Income		19.5			11.3			18.2		18.6		18.5
1.37			1.54		0.97		0.93	EPS — Diluted Operating (1)		0.27			0.14			0.26		0.26		0.28
(0.08	)		0.12		—		—	EPS — Non-Operating		—			—			—		—		—
1.29			1.66		0.97		0.93	EPS — Diluted Net Income from Cont. Ops.		0.27			0.14			0.26		0.26		0.28
—			0.01		0.03		0.04	EPS — Diluted Net Income from Disco. Ops.		0.01			0.02			—		0.01		(0.01	)
1.29			1.67		1.00		0.97	EPS — Diluted Net Income		0.28			0.16			0.26		0.27		0.27
1.46			1.55		0.98		0.95	EPS — Diluted Net Income Cash Basis (2)		0.27			0.15			0.26		0.27		0.30
72,038			70,674		70,174		70,024	Average Diluted Shares (000s)		69,783			70,160			70,067		70,022		68,787
2,741			2,752		2,842		2,565	Full Time Equivalent Employees (3)		2,758			2,724			2,582		2,565		2,549

FTE - Fully taxable equivalent basis
(1)	Operating earnings exclude gains on branch divestitures and restructuring charges.
(2)	Excludes after-tax impact of amortization of intangible assets and goodwill impairment.
(3)	Based on continuing operations.

PAGE 3

Old National Bancorp
Balance Sheet (EOP)
First Quarter 2005
($ in Millions)

	03/31/05			12/31/04			03/31/04			Change from Prior Year
										$			%
Assets
Securities
Government and Agencies	$	670.8		$	699.3		$	565.3		$	105.5			19	%
Municipals		583.1			597.6			664.3			(81.2	)		-12	%
Mortgage Backed		1,418.7			1,445.1			1,503.3			(84.7	)		-6	%
Other (1)		304.9			283.0			156.3			148.6			95	%
Total Investments (1)		2,977.5			3,025.1			2,889.3			88.3			3	%
Residential Loans Held for Sale		31.7			22.5			17.9			13.8			77	%
Loans
Commercial		1,522.5			1,550.6			1,614.5			(92.0	)		-6	%
Commercial and Agriculture Real Estate		1,640.0			1,653.1			1,830.5			(190.6	)		-10	%
Consumer		1,219.7			1,205.7			1,175.4			44.2			4	%
Subtotal		4,382.1			4,409.4			4,620.5			(238.4	)		-5	%
Residential Real Estate		558.2			555.4			939.2			(380.9	)		-41	%
Total Loans		4,940.3			4,964.8			5,559.7			(619.3	)		-11	%
Total Earning Assets		7,949.5			8,012.4			8,466.8			(517.3	)		-6	%
Allowance for loan losses		(86.3	)		(85.7	)		(100.6	)		14.3			-14	%
Nonearning assets
Goodwill and Intangible assets		117.5			168.8			170.4			(52.9	)		-31	%
Other assets		812.3			802.8			730.8			81.6			11	%
Total Nonearning assets		929.8			971.7			901.1			28.7			3	%
Total Assets	$	8,793.0		$	8,898.3		$	9,267.3		$	(474.2	)		-5	%
Liabilities and Equity
Noninterest-bearing demand deposits	$	850.6		$	851.2		$	794.5		$	56.1			7	%
NOW and Savings accounts		2,322.3			2,400.9			2,054.9			267.4			13	%
Money market accounts		620.0			573.3			593.2			26.8			5	%
Other time		2,195.7			2,203.2			2,587.3			(391.6	)		-15	%
Total Core Deposits		5,988.6			6,028.6			6,030.0			(41.4	)		-1	%
Borrowed Funds (includes Brokered CD’s)		2,022.0			2,045.7			2,359.7			(337.7	)		-14	%
Accrued expenses and other liabilities		111.9			120.8			136.7			(24.8	)		-18	%
Total Liabilities		8,122.5			8,195.1			8,526.4			(404.0	)		-5	%
Shareholders’ equity		670.6			703.2			740.9			(70.3	)		-9	%
Total Liabilities and Shareholders Equity	$	8,793.0		$	8,898.3		$	9,267.3		$	(474.2	)		-5	%

(1) Includes money market investments.

PAGE 4

Old National Bancrop
Balance Sheet Trends
PERIOD AVERAGES
($ in Millions)

2001		2002			2003			2004				2004												2005
												1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr	3rd Qtr	4th Qtr
											Assets
											Securities
$   482		$	593		$	629		$	640		Government and Agencies	$	587		$	602		$	659		$	713		$	693
582			656			667			638		Municipals		652			641			635			625			593
773			1,342			1,710			1,422		Mortgage Backed		1,484			1,430			1,348			1,428			1,448
181			146			149			248		Other (1)		176			178			343			297			290
2,018			2,737			3,155			2,950		Total Investments (1)		2,898			2,852			2,985			3,064			3,023
											Loans
1,692			1,690			1,687			1,611		Commercial		1,601			1,636			1,604			1,603			1,504
1,855			1,844			1,866			1,768		Commercial and Agriculture Real Estate		1,838			1,804			1,749			1,678			1,636
1,052			1,057			1,096			1,196		Consumer		1,168			1,183			1,211			1,224			1,224
4,599			4,592			4,648			4,575		Subtotal		4,608			4,623			4,564			4,505			4,364
1,682			1,287			1,003			766		Residential Real Estate (2)		955			960			568			579			577
6,281			5,878			5,651			5,341		Total Loans (2)		5,563			5,583			5,132			5,084			4,940
8,299			8,615			8,807			8,290		Total Earning Assets		8,461			8,435			8,117			8,148			7,964
(74	)		(81	)		(89	)		(98	)	Allowance for loan losses		(98	)		(101	)		(96	)		(96	)		(87	)
640			730			839			931		Nonearning assets		898			920			956			950			940
$8,864		$	9,264		$	9,556		$	9,123		Total Assets	$	9,261		$	9,254		$	8,977		$	9,002		$	8,817
											Liabilities and Equity
$   664		$	712		$	753		$	803		Noninterest-bearing demand deposits	$	771		$	798		$	814		$	829		$	836
1,339			1,678			1,984			2,207		NOW and Savings accounts		2,054			2,166			2,248			2,359			2,368
778			644			612			587		Money market accounts		603			586			582			576			580
3,065			3,146			2,767			2,449		Other time		2,602			2,500			2,394			2,300			2,202
5,847			6,181			6,115			6,046		Total Core Deposits		6,031			6,050			6,039			6,065			5,985
2,287			2,294			2,573			2,251		Borrowed Funds (includes Brokered CD’s)		2,387			2,380			2,133			2,105			2,019
86			97			124			115		Accrued expenses and other liabilities		112			111			118			120			108
8,220			8,572			8,813			8,413		Total Liabilities		8,531			8,542			8,289			8,291			8,112
644			692			743			710		Shareholders’ equity		731			712			688			712			705
$8,864		$	9,264		$	9,556		$	9,123		Total Liabilities and Equity	$	9,261		$	9,254		$	8,977		$	9,002		$	8,817

(1)	Includes money market investments.
(2)	Includes residential loans held for sale.

PAGE 5

Old National Bancorp
Interest Rate Trends (FTE basis)
PERIOD AVERAGES

2001	2002			2003			2004				2004												2005
											1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr	3rd Qtr	4th Qtr
										Earning Assets
										Securities
6.17%		4.55	%		3.83	%		3.18	%	Government and Agencies		3.39	%		3.20	%		3.16	%		3.02	%		3.10	%
7.07%		7.13	%		7.02	%		6.92	%	Municipals		6.87	%		6.97	%		6.98	%		6.86	%		6.87	%
6.46%		5.45	%		4.12	%		4.18	%	Mortgage Backed		4.19	%		4.13	%		4.24	%		4.15	%		4.15	%
6.05%		5.14	%		4.18	%		3.06	%	Other (1)		3.34	%		3.28	%		2.56	%		3.33	%		4.18	%
6.53%		5.64	%		4.68	%		4.46	%	Total Investments (1)		4.58	%		4.52	%		4.39	%		4.36	%		4.44	%
										Loans
8.18%		6.58	%		5.61	%		5.41	%	Commercial		5.44	%		5.26	%		5.37	%		5.58	%		6.02	%
8.22%		6.93	%		5.87	%		5.70	%	Commercial and Agriculture Real Estate		5.67	%		5.59	%		5.79	%		5.75	%		6.13	%
9.28%		8.04	%		7.22	%		6.58	%	Consumer		6.72	%		6.57	%		6.51	%		6.52	%		6.59	%
8.45%		7.06	%		6.10	%		5.83	%	Subtotal		5.85	%		5.72	%		5.83	%		5.90	%		6.22	%
7.77%		7.32	%		6.37	%		5.60	%	Residential Real Estate (2)		5.84	%		5.61	%		5.42	%		5.38	%		5.40	%
8.27%		7.11	%		6.14	%		5.79	%	Total Loans (2)		5.85	%		5.70	%		5.79	%		5.84	%		6.13	%
7.84%		6.65	%		5.62	%		5.32	%	Total Earning Assets		5.41	%		5.30	%		5.28	%		5.28	%		5.48	%
										Interest-bearing Liabilities
1.68%		1.22	%		0.86	%		0.84	%	NOW and Savings accounts		0.68	%		0.75	%		0.89	%		1.01	%		1.14	%
3.32%		1.55	%		0.94	%		1.10	%	Money market accounts		0.83	%		0.86	%		1.17	%		1.54	%		1.99	%
5.52%		4.58	%		3.96	%		3.25	%	Other time		3.58	%		3.25	%		3.07	%		3.07	%		3.14	%
4.20%		3.19	%		2.47	%		1.99	%	Total Interest-Bearing Deposits		2.13	%		1.95	%		1.92	%		1.97	%		2.09	%
5.29%		3.63	%		2.54	%		2.75	%	Borrowed Funds (includes Brokered CD’s)		2.55	%		2.49	%		2.85	%		3.15	%		3.54	%
4.53%		3.32	%		2.49	%		2.22	%	Total Interest-Bearing Liabilities		2.26	%		2.12	%		2.19	%		2.31	%		2.50	%
3.31%		3.32	%		3.13	%		3.10	%	Net Interest Rate Spread		3.15	%		3.18	%		3.09	%		2.97	%		2.99	%
3.77%		3.65	%		3.37	%		3.31	%	Net Interest Margin		3.37	%		3.38	%		3.30	%		3.21	%		3.22	%

(1)	Includes money market investments.
(2)	Includes residential loans held for sale.

PAGE 6

Old National Bancorp
Asset Quality
End of Period
($ in Millions)

2001		2002			2003			2004				2004												2005
												1st Qtr			2nd Qtr			3rd Qtr			4th Qtr			1st Qtr			2nd Qtr	3rd Qtr	4th Qtr
73.8			74.2			87.7			95.2		Beginning allowance for loan losses		95.2			100.6			95.1			96.3			85.7
28.7			33.5			85.0			22.4		Provision for loan losses		7.5			7.5			7.4			—			5.1
—			—			(9.3	)		0.7		Transfer to Allow. Unfunded Commitments		1.4			(0.6	)		—			—			—
(36.2	)		(27.6	)		(61.6	)		(41.2	)	Gross charge-offs		(5.7	)		(12.7	)		(11.0	)		(11.9	)		(6.3	)
—			—			(14.7	)		(4.6	)	Write-downs from loans sold		—			(1.2	)		—			(3.4	)		—
7.9			7.6			8.2			13.2		Gross recoveries		2.2			1.4			4.9			4.7			1.8
(28.3	)		(20.0	)		(68.1	)		(32.6	)	Net Charge-offs		(3.5	)		(12.5	)		(6.1	)		(10.6	)		(4.5	)
74.2			87.7			95.2			85.7		Ending allowance for loan losses		100.6			95.1			96.3			85.7			86.3
0.45	%		0.34	%		1.21	%		0.61	%	Net Charge-offs / Average Loans (1)		0.25	%		0.89	%		0.48	%		0.83	%		0.37	%
6,281.0			5,878.3			5,651.4			5,340.7		Average Loans Outstanding (1)		5,563.0			5,583.2			5,132.3			5,084.3			4,940.4
6,132.9			5,769.6			5,586.5			4,987.3		EOP Loans Outstanding (1)		5,577.5			5,134.0			5,103.7			4,987.3			4,972.0
1.21	%		1.52	%		1.70	%		1.72	%	Allowance for Loan Loss / EOP Loans(1)		1.80	%		1.85	%		1.89	%		1.72	%		1.74	%
											Underperforming Assets
12.6			9.5			5.1			2.4		Loans 90 days and over (still accruing)		2.3			1.4			6.7			2.4			1.8
											Non-performing loans:
37.9			100.3			104.6			54.9		Nonaccrual loans		107.1			97.6			106.0			54.9			55.2
25.9			—			—			—		Renegotiated loans		—			—			—			—			—
63.8			100.3			104.6			54.9		Total non-performing loans		107.1			97.6			106.0			54.9			55.2
9.2			7.9			8.8			8.3		Foreclosed properties		5.3			3.9			3.8			8.3			5.1
1.04	%		1.74	%		1.87	%		1.10	%	Non-performing loans / Loans (1)		1.92	%		1.90	%		2.08	%		1.10	%		1.11	%
116	%		87	%		91	%		156	%	Allowance to Non-performing		94	%		97	%		91	%		156	%		156	%

(1) Includes residential loans held for sale.

PAGE 7