ONB - Earnings call transcript Q1 2018

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Operator

Welcome to the Old National Bancorp First Quarter 2018 Earnings Conference Call. This call is being recorded and has been made accessible to the public in accordance with the SEC's Regulation FD. Corresponding presentation slides can be found on the Investor Relations page at oldnational.com and will be archived there for 12 months. At this time, the call will be turned over to Bob Jones for opening remarks. Mr. Jones?

Robert Jones

Dorothy. you, Thank Great.

identified this Slide me will X, And will be begin terms. as make everyone noted forward-looking. be they such, on certain as the call, we appropriate remind let that may with As statements we

contain slides reconcilement provide the A measures, which these appendix. contained in numbers is In for do we appropriate more addition, non-GAAP certain is comparisons. of believe not -

me We welcome Quarter with appreciate everyone the Old as of Now said, was based format all flexibility First Call. being well our the National in time. really and XXXX interest on let Earnings change date do that your Bank's as our input. This your to slides, to with changes and change,

on Our on goal the old Rest the be comments Story. substance for the radio The is much focused to our show, to and provide like detail of those greater slides slides, behind Harvey: the Paul you with

the While available any Jim me By are in all Mr. questions I the way, Jim will us joined Walton. be Ryan the brief making presenters after forbidden and answer the Moran Daryl jokes be John I've will from Lynell or Moran call, past. analogies corny as of has by And and the we to Sandgren, Moore, presentation. on sole done

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we our This transformation quarter very are our the was stated and benefiting franchise. consistent of with from strategies, clearly

has the I pipeline. that as stage, that great as coined As about think our And growth. accretive" strategy. evidenced by optimism remains, Client optimism phrase, a our descriptor "demographically transformation of deal this Jim Ryan this at a franchise, of loan of the drove

to deposit as the terrific bank, There external are segment. growth of at growth, agriculture. impact could might reminder our dampen the a potential tied book a X% great clients But shown clients' markets our vibrant and a could this that of agricultural as who a just loan loan and Rising on tamper loan symbolic core economically trade that have war low with resiliency. beta only stage, some Our have concerns a optimism, we but are are core deposit is of such our as rates great mix deposit also franchise. that

the challenges present LTV auto lower imminent angst. cause this longer-term view my taking us shape at that Browns of a are beloved certain loans retail credits, business, as of FICO on yield As choice could curve multifamily. going year, to forward. while with Also, including segments the do we not within certain high and cautious segments CRE, markets, indirect And are besides credit there draft the the up screw such scores, in what keeps clearly, me which see again will we night, anything up

a moving in while to significant first an the I note the slide, looker for later in same, we on and strategy highlighted, books are buyer. beginning M&A the active quarter. a remains have topic Before impact seen not is selective the our next should we

Bill Wisconsin no performance. brief come Union. to Finally, does announcing platform believe and The within which, impact while Wisconsin concert down actions immediate relief on few additional us provide highlights it two words some minimal, pass that will Fox XXXX, House of a on of markets for not we to it and and the focus the optimism impact we Marine the is form. Senate moderate XX X expected for a Senate Madison, perfect, road, feel with in sale Valley. I Milwaukee Slide financial in sale earnings Credit These with regulatory greater the form This our will that branch include to are today's us to branches key our release. allow together

For your a planning purposes, financial we not XXXX. impact do material in see

we those close of annualized seen to any would this same during majority will I later additional for note, your one were in the to XX gave time note, have that second we be deposits branch like that the we have million these XXX increase million. XXXX. branches in for our of year, have again, XX% to the The XXXX. in quarter, per an I'd to we'll are average over you quarter. impact the $XX with XXXX. And also per third branches will these over since branches, savings and should closed models slightly closures guidance your in branch. will half our be in $X We XX than the intent branches and included second modeling closing expense close purposes that announcing The more

call turn Ryan. now Let Jim to the over me

James Ryan

recently. few strong on Adjusted than a items securities consolidation Bob. $X.XX, of million charges, we've and million almost gains. X, I XX% Starting we branch was the continues quarter Good are the to excludes first a entered results. commercial we loan Overall, highlight share quarter to thank with $X.XX morning, $X.X highlight will Slide are $X.X pleased than of per per share earnings merger of earnings growth, and dynamic ago. which the quarter you, which Adjusted better $XXX,XXX and $X.XX for our was the think important markets fourth year first better charges,

X, and in our to three, deposit X. stated preprovision improvement by pretax operating almost a base; Slide result was of, more two, strong wanted On saw driven the highlight C&I we XXX XX% one, remixing commercial point growth net strategy maintaining low-cost our This XX% improving first Adjusted leverage, which balance was towards our year-over-year. revenue to loans; the our Slide than quarter. quarter. higher strong Moving higher-yielding our sheet of basis during

XX% seasonal the despite quarter to $X.X experienced quarter. fourth pull-through and billion industry trends. in considering we particularly volume first commercial up is from typical was our broader quarter factors This the encouraging first strong Importantly, the

Minnesota yields full basis mix XX our quarter remix improved with loan this of demonstrates and changes and very by strategy. Slide Our Again, our aided the points, is increase increased quarter assets. ongoing year-over-year in our a the X short-term in during partnership. consistent rates earning

As is of total earning assets, loans down percentage indirect X%, a commercial lending X%. over are almost up and

X% more lower. book is also Our than securities

Moving X. to Slide

that our see more growth. loan to deposit You funded can growth than we

advantage. competitive believe that a low-cost core sustainable stable to continue creates funding We

Our deposit date. is X.X% cycle beta current now to just

our margin and our net the provided Slide you last we outlook expectations to exceeded interest on XX, Next, quarter.

tax adjustments. on X in the declined reminder, points a and margin the FTE due our rate change basis to federal resulting as Just the impact our

reflected the Our benefited and offset an net rate Accretively, quarter's accretion, improving on short-term days levels interest the from increases yield from mix. quarter. was full fewer was Minnesota excluding more by up impact margin, nonaccrual from X.XX% normal our partnership. and in a This somewhat and was and quarter interest somewhat fourth of

year We was the seasonally declined noninterest in Slide appendix. from softer, the Mortgage fourth due and market fee late volatility. revenue collected a provided shows normal in the large and accretion wealth have trends income. the quarter schedule for estate to adjusted XX management last

adjusted the management, expenses. of Minnesota quarter shows Slide the guided earlier-than-expected a from in the savings certain some disciplined and $XXX We technology Next, towards XX million but the timing first noninterest partnership projects. benefit from in quarter, our did trend

due to the enhancement competitive. $XXX be to that completion will and projects, benefits closer April certain in effect remain of Second an quarter into increases merit million expenses in employee went to

at benefit resets key focus a the for a metrics. XXXX, Minnesota credit of quarter committed positive Importantly, and generating our us Most and fourth full credit basis in charge-offs impact control despite improvement of on costs one versus FICA annual and during our are our point. an remains held just operating Expense steady we compensation other to with partnership leverage. net quarter's has core our programs. XX saw the benefit quarter, metrics Slide

adequate loan acquired reserve and mark With covered provision XX basis loans, points continue to we the have - quarter Our against X.X charge-offs. those against X.XX% for coverage. organic loans those

Slide Next, on our shows rate an XX expectations. tax update

the to items. nonreoccurring rate should year. rate This is for noncore statutory be for Our expected is to the you adjust XX.X% use

our now the also in It's to full nonoperating models after-tax For tax X%. expect million, in rate approximately The year. we business a $X for GAAP of are full We reflect resulting full ranges $XX listed. expenses. increase X% million a now of amortization FTE million credit benefit this from $XX year between our year, and tax important the expect net your tax credit that

construction be last buildings. many quarter, projects discussed project we can are to these projects these exact historical difficult of timing since As the of on

and tax third will be of that We continue credit second quarters expect this year. to the higher in amortization

Our tax amortization million. credit estimate for second $XX is approximately to million the quarter $XX

community reminder, with these good quarter. provides strong some our credit. deposit a loan Slide from objectives. projects key execution provide and goodwill, against takeaways generate relationships, off the XX As strategic start XXXX to is CRA a and

drove balance provides expense We Slide deposits, credit controlled capitalized commercial grew tangible funded metrics updated operating into remained outlook. very low-cost well around growth our assets, earning book by leverage, share. more value loan XX per and growth continue sheet show productive our to clean and and our remixed details saw positive

outlook consistent Our last with expectations very we quarter. framed the are

on view unchanged. growth Our is loan

stable remain Fees short-term a historical no expect pick indices. the up and we rate with second further normal positioned We seasonal the income. of from commercial tied accretion short-term following outcome rates, in excluding NIM, quarters benefit third book second should somewhat For to quarter, changes, the XX% in patterns. assuming to and

and As fourth quarter the merits, in spend the we in of to quarters. the declining expenses already on again third before annual slightly noninterest second cost, benefits and highlighted, timing increase technology expect

Minnesota in realize third beginning continue in the Slide tax early XX. track matters to quarter. May cost quarterly We approximately to systems we covered We've in conversion, on $X already and million detail for in savings expect

great a product to Finally, in with loans people. row of and is of Day with we to Bob Old that have capability Minnesota From to be one respect a we to And out associates and happy platform clients the marketplace. our basis. answer end team the brings has Retention already continues annualized the With that Sandgren up the couldn't Daryl the seen and to might Minnesota more rest the XX% as you do larger we're excellent. right be balance first gates. us increased that loan here, Moore. National partnership This well both has is an starting on any sheet The are with great performance, quarter, pleased. in that, second been already of including platform excellent mentioned, the growth questions an have. of received Jim

Operator

[Operator Instructions].

question first Sandler with from Scott O'Neill. of Siefers comes line Your the

Robert Jones

and that the We or Q. the you time starting date, first get can still change

Scott Siefers

since been I've the try. morning. X:XX about this I in queue

Robert Jones

in. at could We was call? have that just this and I, the time. I For call, you had

Scott Siefers

That's right, the offer. you question. that's That guys We'll But next taking generous is do I right. no, appreciate that quarter. a

let's expectation. - expense the Jim, wanted that to make just sure the So understanding costs fully they're see. I'm

an the before of additional XQ - just and business. So and tax that's under then $XXX costs credit million

That's expense we the add looking million, in $XX you're million at as implies million, reported of of the a $XXX $XX $XXX well, like to million. right? ballpark number it in sort So way that so

James Ryan

Right.

Scott Siefers

if the what talk then third venture second the the highest as we look tax And so number maybe tax credit in to quarter? business the call the we in much of Okay. the in fourth reduction fourth? costs left, order a business - to reported about how how like the as expenses occurs second in that XQ directionally, when in the quarters. much to willing of in and being tax quarter? after $XX Like XQ, have, the million-or-so, third, quarter, of the will get even Or guess sort be might we expenses it Would the and credit of magnitude highest what's credit be you fourth

James Ryan

quarter, it's the I fourth in say to the Scott. would a bit in and little of majority third going appear quarter just

this in case, the I think - closer first in but the it'll quarter so bit take. be fourth to just little to be a quarter there'll left

Scott Siefers

appreciate very Okay, that. helpful. I perfect. That's

another So one...

Robert Jones

mind, Scott, the timing guidance. little noncore we these really us on give little with number And projects, in quicker all in came and still, a the amortization's on than the plus as we it's you store prior up we're credits over a net there's Minnesota million that it's Yes. that the know, and a benefit, that $X our expected. accounting had bit for accurately. comfortable good we're in come business. our going But to it's benefits It's for ancillary it get it -

Scott Siefers

third quarter lower and guess what really of ending a - implies than going basis, you'd - base that quarters Okay, right? in potentially reported quarter year you're perfect. and And at be expense to so least year, have second is then third I you'll with second this significantly this be the on

Robert Jones

we If problems. got big we've don't, then Absolutely.

Scott Siefers

Yes.

can touched Okay, Bob, huge fees can little then if Jim, a I or one your improvement than an as anticipated just talk in, maybe - remarks. a the all And of a one a right. about you just... came if talk Bob, And area can if sneak fee you delta can on additional in Wasn't Maybe momentum. but this for bit had - I little softer quarter. then, sort in you

Robert Jones

Yes. question, Yes, Scott. great

get softer clearly nicely. when up to was of business. around, abnormal. a in rates pipelines strong start was little first you getting bit but build little very And is very apprehension, I mortgage us. quarter, for which a month the move It's March So seasonal a the not think a you

optimistic. feel we So

we comparison But have because of big other the hit But in markets. - Jim those equity then built comfortable. the delta a feels those. derivative that's you a actually bond fee - just little change and that are but Markets. Chris of and again, up We've sales. the was that's The out can't significant first quarter Capital we fourth there quarter, in business. matured. relatively of - bit The And the in on pipeline - did the terms foreign on obviously, - volatility state And the that a wealth. get pull-through exchange the the and the predict markets, during there

charges, be over on the to as So I kind guidance service it relative another while. feel what a just should in headwind been I we gave large is. which going of component we're note we that that you, actually for there. we've stability is to that, seasonality you some we're about is get and time, was good which think We level. a pleased performance of with the quarter know, to And saw I the first mid-XXs, able that fighting basis. -

charge feel achieved good So stability the have we about service finally the in area. that

Operator

Your next line of question comes from Chris KBW. McGratty the with

Christopher McGratty

commentary. deposit your in interested I'm

any of would the have color Your decile Wondering seen hike. be beta cycles by since the you in differences speak to that market, could group. top March think, great. there's date Any have you changes probably if any pricing been, might I

Robert Jones

Yes.

generator. been able of economics grow accretive" of that I commentary this so markets are a legacy we've be, first have is the think, it. But reflective word, because just like these I to use built. the would franchise. much great to into able just give the is get we we've - really overall But franchise what really "demographically that deposit loans. I It better it's still us and all,

away well had of And So know, It's it's a ad we're special deposits. to a markets, if than really, to anything do in. pricing, public allowed funds hoc lot and We've huge on Chris, an not believer basis. of that less as our I in special municipal pricing. got X% has balance you us stay from some

with for in So starting we've deposit been going environment, core value that. saying franchises, years there's now and that be to we're to think I see this

not we're getting of lot on a pressure So yet. deposits

calls e-mails the or I the - think I gets that of by lot I the field. phone Jim or get judge from a

good, reflects these share so again, markets. of well as far, existing kind in our so and as our of some And market brand

Christopher McGratty

on Bob. add could That's one M&A, great. If I

the available, there's size around. billion. we're think, increase in You about being any change of seeing that that I are talked on the hopeful given the the in are moved if becoming that progress Interested books - banks the $XX

Robert Jones

much. that cost or has compete consistent billion issues banks Senate billion has get are know books changed bright the into the or if that say you to back don't what be past. the we've artificial I'd I either are Yes. the that really might Obviously, million seen in difficult. pushing $XXX XXXX tend the banks see move realizing succession with Bill $XX that business. to those They some above, then you to $X of lines, to is the larger continue

to And we so very of seeing any that again, selective partnering lot in we're going a books, but we're be do.

Christopher McGratty

could Great. And to the I How tied. term, of XX% is total much tied The think, the I LIBOR? sneak of book if commercial one the short Jim. book, for

James Ryan

if know have percentage. Scott? exact the I don't I

Scott Evernham

one-month on It's XX% to is LIBOR tied rate. variable the a

So is one-month tied is that XX% to book our LIBOR, the variable. that helps, if Chris. of XX% of

Operator

Your Jaffray. next of the Piper Race question comes with from Nathan line

Nathan Race

had and to question Obviously, growth growth in of this Cities. Just Wisconsin quarter, looks a getting like good the on Twin you loan out production start. you're good

add states to on in have curious there comfortable updated of you out terms production your the those you with just in your of folks to increase of So any or each of in those any pretty really thoughts, team you if feel more need areas. two

Robert Jones

Yes.

some of really the come I probably CRE the both have Jim to that add talent excellent, with banks. We've lenders, some Sandgren some and to larger able both been markets. C&I added question, and conversation Just have a every actually day. great in We've it's

markets that very believe like we we Indianapolis invest to like and model get where can we will others, our that in folks continue So join. effectively and that, to selectively works some

side focus different they've team. a where good we we in strong just still C&I a such we could could little both and very in bit would feel Wisconsin got Our really frankly, the might about on the grow quite are. C&I CRE CRE be be where very, our C&I Cities Indianapolis, because book and Twin grow and

Nathan Race

these of going little just could if a us then discussion around just the And earlier? these other are type that just Are of acquisitions, are of it. terms put you deals up Got as franchises Or tuck-in accretive curious kind more in it sale. for to kind give you the of coming in transactions, demographically color, Bob, of more areas? the more back certain

Robert Jones

It's little to demographically ought both. of accretive, and focus on a Yes. copyright Clearly, I Ryan will our term. that think be the

I we transactions and Minnesota, success would be had success we clearly do, want will kind are stray to Wisconsin to think we've we out. And you of as like think, as that partnerships the we of who would we those the and types a the in the the don't the love core values laid had of to from also company do. and that we in strategies

Nathan Race

if in And one sneak for Jim. last one I just it. Got can

this FHLB are Was the they're along that On branch just later with advances up aspect this a quarter, year? the kind coming a due timing of little bit. that sales

James Ryan

take of take obviously, some advantage opportunities whenever of correct. we that's Yes, to that And occur. advantage special, those special of have we'll

you quarter. so in that's this And I saw think what

Operator

line from Stephens Terry Inc. McEvoy comes the with Your question next of

Terence McEvoy

efficient new my slide Very the appreciate from I for seat. Thanks format. it.

Robert Jones

Mr. Moran. all It's

Mr. him, you address when so Moran. all you Just it's know,

Terence McEvoy

Okay. you, morning. Very Moran. Well, helpful on a Mr. thank Monday

John Moran

Sure.

Terence McEvoy

the to Jim. building it yields so from portfolio? today, could And does the your securities points. going down the start, 'XX, guidance, What how mix. question basis slide In looks a asset margin three XQ we come X, then maybe year a for earning are out thoughts If change? are that on like maybe Slide

James Ryan

Well, continue We'll the we news a for flexibility to lot I have look of liquidity. think good is here, Terry.

liquidity the Bob the said, lot side, As this portfolio. we're hot always so deposit going on in of not play to pricing a special

manage a speaking, coming speaking, our interest generally liquidity that help percentage about down rate lower But as store I up see us I here. and as versus from we see think and a as of like that to generally remix, risk. that just think we'd total going of

Terence McEvoy

economy always in there's overall community feel just urban the you to trying going about talk markets? then in on at all? metro And any lot those What's for environment and a business of get seeing the I'm a markets. your lending activity growth markets. the more in Are local

Robert Jones

turn Yes. high-level give Terry, a answer, better one over I'll it Sandgren. But then to our of Evansville. I'll Jim was markets

demographically don't clearly, the to a as I think what seeing accretive clearly looks past it's competitive, not we've we're we're franchise. good franchise throughout hypercompetitive legacy it's And opportunities It's as reflects like. compete. the And but able it While market, seen in cycles. really

lot. credit compete we've versus adhere haven't price continued We're to price value to credit, had. a reduce had on standards We and able to we've to and proposition the

So Jim?

James Sandgren

No, I assessment. that's a think good

We see continue in markets our legacy and growth newer to our both markets.

the markets a in sometimes, where structure we or from face I where think whether maybe loan a smaller sometimes guarantees loose, a it's value. legacy lot that's competition, the little bank to gets community of credit more perspective,

front, we're that we find obviously, deals, there's that away do to very ways but disciplined continue step deals certainly from. on So we'll to and

I a the credit are larger we're think good from they competitors competing perspective. I banks, some think of the against most for on as part, markets, metro larger the

our reflection being is And I to able think feel about to do So another ability good still long-term yes, we this compete, that. relationships. build of quarter

Terence McEvoy

And question. then last just one

the offensive sounded banks? And to side? about pushing are nature there where on technology You technology grow business? in spending. more Or you're it some just very mentioned, where it's defense more like the compete the as talk spending against large out it is you areas you Could

Robert Jones

A of little Terry. both,

we're core entered will the as be do treasury which markets, it's really us implemented been year we that And Knight, system we've it year, to mortgage a couple treasury demographically our significant then system, that. received. a allows the will much more of management. spends our opposite. allow spends you've two well got on got place one of weekends, which over to this And - servicing of these competitive larger last So it's we've latter Black half to that larger in management this new us this going of system accretive in of that kind just And be put

Our and a so be, complexity that and costs. that basic remove eliminate go let's would view system redundancy to can of

around taken think we've So there don't out but and we're competing banking, that a enough think partnership to I the right build and invest arrogant really mobile find issue set. to and continue - and we invest position can our partner to be can others go then that folks. digital are - what obviously, in that our the And doing. with own continue JPMorgan we'll system in at and to do product But Chase whole with we to partner friends that. to And

Operator

Instructions]. [Operator

Your Markets. with Arfstrom next from Capital line RBC Jon comes the of question

Jon Arfstrom

follow-ups. few A

You the there theme? talked we that? that talking Why in books about in about - of the when Is you increase is an acquisitions a seeing. - were were number you're of number increase and

Robert Jones

reasons. couple I think of a

boards think I increase and in look the the have the through you board and think it, timing meetings. about holidays, you you the at get you through books, that the of planning, budget implementation, get of kind of kind

a be current the then just execution, got and that record So lot from that And want got of we've our to reputation strong track clearly partner. partners. the because, opportunity, go with Without being of in explore stated a and we've think arrogant, out And think decisions maybe, opportunity." the great we "Let's banks make we've that regulators. a I we I see the right relations books one,

from Minnesota phone other folks Wisconsin that and calls. talk bankers, to get and You parts make people and other

So way many many need and some that's got Senate there's capacity a a to too kind think hope it's will we've consolidation. I of give I you - break be Bill of we're serving through XXXX let's of industry directionally and banks that, far correct. an got incremental, but while ultimately, too mean, And it's clients, hitch, still honest, that lot

what's decision So right gets of thing making time us I do above see for are to point owners. where the the think to all to their people the in a

Jon Arfstrom

bringing driving existing real that good. Okay, you it on touch commercial it lending, sound that estate. larger customers Is commercial pretty that? optimistic it you're On Can all What's you on customers Is that? loans? bank? more? the Is maybe new borrowing are and into

James Ryan

Jon, it's really both. Yes, of mix Yes. so a

in with bringing of of the a are We some lot markets some obviously, disruption there's customers. new some acquisitions. In market

can. I when we existing a and We're it's mix. relationships, really think advantage deepening So take certainly always our good of we been that

Bob And earlier, as a able - have credit focused do been continue and larger that from really they're mentioned out come folks set ability really talent. focus, to Our over, add is strong very up product to where and to relationships our working is to banks their we've And on perspective. build with well.

Jon Arfstrom

fees just there about one. your that's X And and then, your talked X okay, is Or Is a something prepared on optimizing Okay, good. on gets expense work you comments, mind? In it Bob, maybe running the bit? just or cylinders. What else you X? to

Robert Jones

things. I'm I'd my of sure because eight couple car. I not One, A upgrade to think I'd get always ever

want to it's never really to leverage, rest opportunity an the both have of I on we And and our sides equation. to want so laurels, But clearly, I operating increase the on push.

beginning kind I we've of value clearly. to over we're built see and just revenue engine the think that ability the a the of to lot years - focus

much talked become complexity I've about, removing opportunities, efficient. integrations redundancy and allows of and us the As to systems more systems some

in only this credit for that branch Just your savings it's while branches. in modeling, closures, million the through 'XX enough for put that we've I a the we get of And we'll magnitude consistent don't process change is the $X the know at. look

- to we'll cylinders for push a on So kind of too. while, run that I And it's XX-cylinder seven continue cars, the above. and make to do all they think of X-cylinder we'll that

got So again, wife's but... Prius my one, has only

Jon Arfstrom

at XX-cylinder, could see a you I Bob. rolling

Robert Jones

Prius X want that get visual, you for hours. to great driving at If me a look

Operator

time. There any there further at are closing Are remarks? this questions no

Robert Jones

Yes, just a this new clearly, presentation. One, a in is and both slides couple. format, terms of

back to - follow-up and valuable. if then And reach Lynell Appreciate would out Lynell as to everybody's questions, you have right we'll you. feedback always, time. interest or Moran to get Your Mr. any be and back

Operator

the again, in will concludes National's by available the code additional XX will conference slides If call. be a Investor anyone the months with This X. through page available Thank available your for ID replay also Once April please website, conference This be you oldnational.com. replay contact along Old of XXX-XXX-XXXX. replay questions, XXXXXXX. call National's call. dialing X-XXX-XXX-XXXX, for of any A Old Relations Lynell presentation participation on Walton has at will be today's

Old National Bancorp (ONB) 23 Apr 182018 Q1 Earnings call transcript