Johnson Bank Mortgage Rates, Fees & Info

Racine, WI

LEI: IWRZQFYIRJ0IMURZBB68

Tax ID: 39-1141446

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Johnson Bank is a small bank specializing in Home Purchase and Refi loans. Johnson Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Milwaukee, Phoenix, Madison, Chicago, and Green Bay among others. We have data for 57 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Johnson Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Johnson Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.70% 4/21/24
    30 Year Conventional Purchase 6.44% 4/21/24
    30 Year Conventional Refi 6.24% 4/21/24
    30 Year Cash-out Refi 6.42% 4/21/24
    30 Year VA Purchase 6.70% 4/21/24
    30 Year USDA Purchase 6.27% 4/21/24
    15 Year Conventional Purchase 5.85% 4/21/24
    15 Year Conventional Refi 5.76% 4/21/24
    15 Year Cash-out Refi 5.76% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Johnson Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Johnson Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    5,844

    Origination Dollar Volume (All Markets)

    $1,421,580,000

    Employee count

    1,002 Show all (17) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1,088 $277,690,000 $255,230 $2,258 4.32%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 470 $191,230,000 $406,872 $4,336 4.19%
    MADISON, WI (FHA|USDA|VA) 576 $160,470,000 $278,594 $2,738 4.11%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 678 $138,200,000 $203,835 $2,740 4.38%
    GREEN BAY, WI (FHA|USDA|VA) 490 $104,300,000 $212,857 $2,003 4.33%
    RACINE, WI (FHA|USDA|VA) 585 $101,145,000 $172,897 $2,345 4.31%
    Outside of Metro Areas 460 $95,590,000 $207,804 $2,363 4.39%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 543 $86,785,000 $159,825 $2,351 4.34%
    APPLETON, WI (FHA|USDA|VA) 255 $57,455,000 $225,314 $1,969 4.14%
    Whitewater, WI (FHA|USDA|VA) 89 $31,825,000 $357,584 $2,452 4.11%
    SHEBOYGAN, WI (FHA|USDA|VA) 135 $22,105,000 $163,741 $1,943 4.60%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 114 $21,780,000 $191,053 $2,074 4.22%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 77 $21,095,000 $273,961 $2,025 4.13%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 24 $20,330,000 $847,083 $3,322 4.00%
    Stevens Point, WI (FHA|USDA|VA) 5 $9,905,000 $1,981,000 $2,161 3.78%
    DULUTH, MN-WI (FHA|USDA|VA) 13 $9,815,000 $755,000 $2,707 3.77%
    Manitowoc, WI (FHA|USDA|VA) 40 $6,970,000 $174,250 $1,935 4.03%
    FOND DU LAC, WI (FHA|USDA|VA) 11 $6,705,000 $609,545 $2,407 3.97%
    EAU CLAIRE, WI (FHA|USDA|VA) 12 $5,760,000 $480,000 $2,410 4.20%
    Shawano, WI (FHA|USDA|VA) 18 $4,680,000 $260,000 $2,017 4.09%
    Baraboo, WI (FHA|USDA|VA) 12 $3,440,000 $286,667 $2,824 4.62%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 11 $3,405,000 $309,545 $4,413 4.25%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $2,975,000 $595,000 $6,390 3.76%
    Payson, AZ (FHA|USDA|VA) 6 $2,960,000 $493,333 $4,753 4.05%
    FLAGSTAFF, AZ (FHA|USDA|VA) 7 $2,795,000 $399,286 $4,179 4.01%
    Beaver Dam, WI (FHA|USDA|VA) 15 $2,685,000 $179,000 $2,295 4.40%
    Show Low, AZ (FHA|USDA|VA) 11 $2,565,000 $233,182 $3,861 3.98%
    Breckenridge, CO (FHA|USDA|VA) 1 $2,405,000 $2,405,000 $9,573 3.25%
    Marinette, WI-MI (FHA|USDA|VA) 10 $2,340,000 $234,000 $3,010 3.45%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 7 $2,175,000 $310,714 $5,613 4.16%
    Platteville, WI (FHA|USDA|VA) 3 $1,835,000 $611,667 $1,150 4.56%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 9 $1,835,000 $203,889 $3,637 4.15%
    TUCSON, AZ (FHA|USDA|VA) 7 $1,785,000 $255,000 $3,531 4.13%
    ROCHESTER, MN (FHA|USDA|VA) 3 $1,365,000 $455,000 $3,155 3.96%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $1,190,000 $198,333 $4,347 4.44%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $1,145,000 $229,000 $4,129 4.04%
    JACKSONVILLE, FL (FHA|USDA|VA) 3 $1,015,000 $338,333 $3,874 5.03%
    ST. CLOUD, MN (FHA|USDA|VA) 3 $985,000 $328,333 $2,703 3.47%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 6 $930,000 $155,000 $2,288 4.48%
    Heber, UT (FHA|USDA|VA) 1 $755,000 $755,000 $0 5.50%
    PEORIA, IL (FHA|USDA|VA) 1 $745,000 $745,000 $0 5.50%
    Traverse City, MI (FHA|USDA|VA) 1 $695,000 $695,000 $3,741 3.63%
    Ludington, MI (FHA|USDA|VA) 1 $685,000 $685,000 $3,699 3.50%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $610,000 $305,000 $4,082 4.60%
    ROCKFORD, IL (FHA|USDA|VA) 5 $575,000 $115,000 $2,816 4.21%
    Ottawa, IL (FHA|USDA|VA) 2 $570,000 $285,000 $3,355 3.88%
    Menomonie, WI (FHA|USDA|VA) 4 $560,000 $140,000 $2,501 4.81%
    Iron Mountain, MI-WI (FHA|USDA|VA) 4 $460,000 $115,000 $2,377 4.55%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $455,000 $455,000 $0 5.50%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $360,000 $180,000 $3,040 3.50%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $305,000 $305,000 $3,325 3.65%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $295,000 $295,000 $2,299 3.75%
    YUMA, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $5,721 3.00%
    Brainerd, MN (FHA|USDA|VA) 1 $185,000 $185,000 $3,177 4.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,387 3.75%
    Nogales, AZ (FHA|USDA|VA) 1 $115,000 $115,000 $3,395 4.55%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.00%
    Johnson Bank's top markets include Milwaukee, Phoenix, Madison, Chicago, and Green Bay among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Johnson Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    AppleTree Credit Union
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    Similarity Rank: 70
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    NORTHWESTERN MUTUAL
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    UNITEDONE Credit Union
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    Fox River State Bank
    Similarity Rank: 306
    Dane County Credit Union
    Similarity Rank: 315

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,185 $1,230,455,000 $294,016 $2,569 3.86%
    HELOC 1,656 $190,690,000 $115,151 n/a 5.36%
    USDA 3 $435,000 $145,000 $3,680 4.08%

    For 2019, Johnson Bank's most frequently originated type of loan was Conventional, with 4,185 originations. Their 2nd most popular type was HELOC, with 1,656 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,418 $734,710,000 $303,850 $3,054 3.95%
    Refi 1,578 $412,600,000 $261,470 $1,790 4.11%
    Other 826 $86,530,000 $104,758 $229 5.47%
    Cash Out Refi 621 $139,835,000 $225,177 $2,369 3.85%
    Home Improvement 401 $47,905,000 $119,464 $1,270 5.20%

    For 2019, Johnson Bank's most frequently cited loan purpose was Home Purchase, with 2,418 originations. The 2nd most popular reason was Refi, with 1,578 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,996 $873,960,000 $291,709 $2,753 3.92%
    1 Year 1,674 $190,720,000 $113,931 $434 5.36%
    15 Year 661 $151,365,000 $228,994 $2,015 3.41%
    20 Year 158 $36,120,000 $228,608 $2,078 3.80%
    30+ year 103 $49,555,000 $481,117 $3,752 3.47%
    5 Year 87 $49,655,000 $570,747 $0 4.83%
    10 Year 83 $21,155,000 $254,880 $1,524 3.88%
    Other 76 $47,170,000 $620,658 $1,144 4.56%
    3 Year 6 $1,880,000 $313,333 $2,690 4.16%

    For 2019, Johnson Bank's most frequently cited loan duration was 30 Year, with 2,996 originations. The 2nd most popular length was 1 Year, with 1,674 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,080 $884,310,000 $287,114
    $1k-2k 650 $163,380,000 $251,354
    $2k-3k 189 $45,835,000 $242,513
    $3k-4k 73 $24,845,000 $340,342
    $5k+ 30 $9,720,000 $324,000
    $4k-5k 29 $8,035,000 $277,069

    Johnson Bank's average total fees were $2,753, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,080 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,748 $840,450,000 $305,841
    4-5% 1,517 $365,255,000 $240,775
    5-6% 1,279 $144,235,000 $112,772
    2.5-3% 164 $59,450,000 $362,500
    6-7% 80 $2,770,000 $34,625
    <2.5% 42 $9,200,000 $219,048
    7-8% 14 $220,000 $15,714

    During 2019, Johnson Bank's average interest rate for loans was 3.92%, while their most frequently originated rate bucket for loans was 3-4%, with 2,748 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,923 $534,335,000 $277,865 $2,505 3.96%
    $100k-200k 1,901 $275,675,000 $145,016 $2,255 4.31%
    $100,000 or less 1,226 $70,560,000 $57,553 $1,857 5.13%
    $400k-600k 523 $243,445,000 $465,478 $3,105 3.65%
    $600k-1MM 193 $143,725,000 $744,689 $4,067 3.82%
    $1MM+ 78 $153,840,000 $1,972,308 $6,693 3.84%

    2019 saw Johnson Bank place emphasis on $200k-400k loans with 1,923 originations, totaling $534,335,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,349 $297,615,000 $220,619 $2,506 4.27%
    $150k-250k 1,125 $310,155,000 $275,693 $2,792 4.25%
    $50k-75k 903 $137,215,000 $151,955 $2,239 4.31%
    $75k-100k 866 $159,930,000 $184,677 $2,423 4.34%
    $250k+ 848 $356,730,000 $420,672 $3,286 4.22%
    $50k or less 573 $62,795,000 $109,590 $2,203 4.24%

    Johnson Bank lent most frequently to those with incomes in the $100k-150k range, with 1,349 originations. The second most popular income band? $150k-250k, with 1,125 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 1,977 $544,295,000 $275,314 $2,563 3.89%
    20-30% 1,740 $402,780,000 $231,483 $2,528 4.19%
    30-36% 731 $156,445,000 $214,015 $2,547 4.50%
    44% 163 $23,715,000 $145,491 $2,639 5.17%
    45% 156 $19,640,000 $125,897 $2,677 5.32%
    36% 114 $23,720,000 $208,070 $2,492 4.66%
    42% 113 $19,305,000 $170,841 $2,661 4.87%
    39% 100 $18,100,000 $181,000 $2,447 4.83%
    37% 95 $16,035,000 $168,789 $2,668 4.75%
    40% 94 $18,050,000 $192,021 $2,816 4.88%
    41% 89 $21,205,000 $238,258 $2,765 4.68%
    38% 88 $18,520,000 $210,455 $3,030 4.75%
    43% 82 $14,290,000 $174,268 $2,940 4.94%
    46% 25 $6,675,000 $267,000 $2,949 4.35%
    50-60% 19 $3,615,000 $190,263 $3,359 4.74%
    48% 18 $4,830,000 $268,333 $3,217 4.38%
    47% 17 $4,725,000 $277,941 $2,949 4.17%
    49% 17 $5,375,000 $316,176 $3,075 4.18%
    >60% 6 $900,000 $150,000 $439 5.46%

    Johnson Bank lent most frequently to those with DTI ratios of <20%, with 1,977 originations. The next most common DTI ratio? 20-30%, with 1,740 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,502 $1,264,910,000 $229,900 $2,558 4.29%
    Not applicable 83 $89,165,000 $1,074,277 $3,316 4.61%
    Asian 130 $39,410,000 $303,154 $2,916 3.90%
    Black 73 $12,855,000 $176,096 $2,487 4.04%
    Not provided 37 $11,125,000 $300,676 $2,832 3.92%
    Native Hawaiian or Islander 6 $2,150,000 $358,333 $2,035 4.04%
    American Indian 10 $1,700,000 $170,000 $2,911 4.42%
    Japanese 1 $125,000 $125,000 $2,919 4.25%
    Filipino 1 $115,000 $115,000 $0 5.50%
    1 $25,000 $25,000 $0 6.00%

    Approval Rates

    Total approvals of all applications
    91.78%

    Johnson Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.42%

    Johnson Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,844 $1,421,580,000 $243,255

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 37 $77,235,000 $2,087,432
    Single Family (1-4 Units):Manufactured 24 $3,130,000 $130,417
    Single Family (1-4 Units):Site-Built 5,783 $1,341,215,000 $231,924

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 821 $108,205,000 $131,797 $1,673 4.99%
    40-60% 836 $209,190,000 $250,227 $2,126 4.16%
    60-80% 1,778 $541,630,000 $304,629 $2,616 3.95%
    80-100% 1,763 $519,865,000 $294,875 $2,834 3.94%
    Over 100% 11 $4,585,000 $416,818 $2,453 4.11%
    Under 20% 618 $38,020,000 $61,521 $516 5.56%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    JAMS-01, Inc Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Johnson Bank 1 South Main Street Janesville, WI 53545 Full Service B&M $309,653
    Johnson Bank 1000 Fox Street Mukwonago, WI 53149 Full Service B&M $32,705
    Johnson Bank 101 West Chestnut Street Burlington, WI 53105 Full Service B&M $12,730
    Johnson Bank 10631 Ushwy 63 Hayward, WI 54843 Full Service B&M $123,105
    Johnson Bank 1309 N Wright Road Janesville, WI 53546 Full Service B&M $36,932
    Johnson Bank 14000 W North Ave Brookfield, WI 53005 Full Service B&M $24,623
    Johnson Bank 1525 Howe Street Racine, WI 53403 Full Service B&M $23,215
    Johnson Bank 1555 West Mequon Road Mequon, WI 53092 Full Service B&M $7,592
    Johnson Bank 159 Martin Luther King Jr. Boulevard Madison, WI 53703 Full Service B&M $6,816
    Johnson Bank 200 Sherman Avenue West Fort Atkinson, WI 53538 Full Service B&M $44,796
    Johnson Bank 2019 Cenex Drive Rice Lake, WI 54868 Full Service B&M $12,299
    Johnson Bank 2021 Holiday Drive Janesville, WI 53545 Full Service B&M $36,955
    Johnson Bank 222 West College Avenue Appleton, WI 54911 Full Service B&M $6,637
    Johnson Bank 2729 18th Street Kenosha, WI 53140 Full Service B&M $42,375
    Johnson Bank 3001 W. Rawson Avenue Franklin, WI 53132 Full Service B&M $33,149
    Johnson Bank 3131 East Camelback Road Phoenix, AZ 85016 Full Service B&M $235,781
    Johnson Bank 318 S. Washington Street Green Bay, WI 54301 Full Service B&M $254,515
    Johnson Bank 32621 North Scottsdale Road Scottsdale, AZ 85262 Full Service B&M $35,445
    Johnson Bank 333 East Wisconsin Avenue Milwaukee, WI 53202 Full Service B&M $502,531
    Johnson Bank 340 South Main Street Rice Lake, WI 54868 Full Service Retail $18,815
    Johnson Bank 3928 60th Street Kenosha, WI 53144 Full Service B&M $48,179
    Johnson Bank 4001 N Main Street Wind Point, WI 53402 Full Service B&M $104,574
    Johnson Bank 455 Riverdale Drive Green Bay, WI 54313 Full Service B&M $15,932
    Johnson Bank 4959 Douglas Avenue Racine, WI 53402 Full Service B&M $52,213
    Johnson Bank 5201 East Terrace Drive Madison, WI 53718 Full Service B&M $398,070
    Johnson Bank 525 Junction Road Madison, WI 53717 Full Service B&M $14,231
    Johnson Bank 526 North River Street Spooner, WI 54801 Full Service B&M $15,981
    Johnson Bank 555 Main Street, 490 Racine, WI 53403 Full Service B&M $1,011,590
    Johnson Bank 5600 Lake Drive, Suite 101 Whitefish Bay, WI 53217 Full Service B&M $26,567
    Johnson Bank 5901 Durand Avenue Racine, WI 53406 Full Service B&M $115,944
    Johnson Bank 6520 Northwestern Avenue Racine, WI 53406 Full Service B&M $54,989
    Johnson Bank 6700 Washington Avenue Racine, WI 53406 Full Service B&M $73,569
    Johnson Bank 7401 144th Avenue Kenosha, WI 53142 Full Service B&M $21,963
    Johnson Bank 7500 Green Bay Road Kenosha, WI 53142 Full Service B&M $365,356
    Johnson Bank 8046 39th Avenue Kenosha, WI 53142 Full Service B&M $51,044
    Johnson Bank 815 Woodlake Road Kohler, WI 53044 Full Service B&M $60,491
    Johnson Bank 8311 16th Street Sturtevant, WI 53177 Full Service B&M $12,914
    Johnson Bank 840 Main Avenue De Pere, WI 54115 Full Service B&M $18,102
    Johnson Bank 8700 East Pinnacle Peak Road Scottsdale, AZ 85255 Full Service B&M $31,071
    Johnson Bank 8700 N. Gainey Center Dr., Ste 100 Scottsdale, AZ 85258 Full Service B&M $18,245
    Johnson Bank N22 W23991 Ridgeview Pkwy Waukesha, WI 53188 Full Service B&M $24,123

    For 2019, Johnson Bank had 41 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $212,915
    Net interest income $179,591
    Total noninterest income $70,233
    Gross Fiduciary activities income $30,298
    Service charges on deposit accounts $6,699
    Trading account gains and fees $0
    Additional Noninterest Income $33,236
    Pre-tax net operating income $78,242
    Securities gains (or losses, -) $1,010
    Income before extraordinary items $58,432
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $58,432
    Minority interest net income $0
    Net income $58,432
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $57,634

    Johnson Bank's gross interest income from loans was $212,915,000.
    Johnson Bank's net interest income from loans was $179,591,000.
    Johnson Bank's fee based income from loans was $6,699,000.
    Johnson Bank's net income from loans was $58,432,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $33,324
    Provision for credit losses $0
    Total noninterest expense $171,582
    Salaries and employee benefits $115,466
    Premises and equipment expense $22,596
    Additional noninterest expense $33,520
    Applicable income taxes $20,820
    Net charge-offs $3,302
    Cash dividends $15,000

    Johnson Bank's interest expense for loans was $33,324,000.
    Johnson Bank's payroll and benefits expense were $115,466,000.
    Johnson Bank's property, plant and equipment expenses $22,596,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.5%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $4,396,058
    Deposits held in domestic offices $4,396,058
    Deposits by Individuals, partnerships, and corporations $4,189,512
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $206,547
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $762,825
    Demand deposits $583,910
    Nontransaction accounts $3,633,234
    Money market deposit accounts (MMDAs) $2,966,789
    Other savings deposits (excluding MMDAs) $243,555
    Total time deposits $422,890
    Total time and savings deposits $3,812,149
    Noninterest-bearing deposits $1,222,422
    Interest-bearing deposits $3,173,636
    Retail deposits $4,271,808
    IRAs and Keogh plan accounts $70,262
    Brokered deposits $6,369
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,209,882
    Cash & Balances due from depository institutions $188,425
    Interest-bearing balances $119,274
    Total securities $596,092
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,128,112
    Loan and leases loss allowance $60,991
    Trading account assets $0
    Bank premises and fixed assets $72,241
    Other real estate owned $3,578
    Goodwill and other intangibles $45,512
    All other assets $175,922

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,209,882
    Total Liabilities $4,537,991
    Total deposits $4,396,058
    Interest-bearing deposits $3,173,636
    Deposits held in domestic offices $4,396,058
    % insured (estimated) $53
    Federal funds purchased and repurchase agreements $3,662
    Trading liabilities $0
    Other borrowed funds $75,000
    Subordinated debt $0
    All other liabilities $63,271

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,128,112
    Loan and leases loss allowance $60,991
    Total loans and leases (domestic) $4,189,103
    All real estate loans $2,992,008
    Real estate loans in domestic offices $2,992,008
    Construction and development loans $305,064
    Residential 1-4 family construction $123,715
    Other construction, all land development and other land $181,349
    Loans secured by nonfarm nonresidential properties $1,083,258
    Nonfarm nonresidential secured by owner-occupied properties $577,331
    Commercial real estate & other non-farm, non-residential $505,927
    Multifamily residential real estate $359,722
    1-4 family residential loans $1,240,085
    Farmland loans $3,879
    Loans held in foreign offices $0
    Farm loans $95
    Commercial and industrial loans $959,688
    To non-U.S. addressees $0
    Loans to individuals $91,122
    Credit card loans $16,654
    Related Plans $57,586
    Consumer Auto Loans $722
    Other loans to individuals $16,160
    All other loans & leases $146,190
    Loans to foreign governments and official institutions $0
    Other loans $94,590
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $1,663
    Restructured Loans & leases $2,983
    Non 1-4 family restructured loans & leases $1,498
    Total loans and leases (foreign) $0

    Johnson Bank had $4,128,112,000 of loans outstanding in 2019. $2,992,008,000 of loans were in real estate loans. $305,064,000 of loans were in development loans. $359,722,000 of loans were in multifamily mortgage loans. $1,240,085,000 of loans were in 1-4 family mortgage loans. $95,000 of loans were in farm loans. $16,654,000 of loans were in credit card loans. $722,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 880 $226,050 $256,875
    Nonfarm, nonresidential loans - <$100k 182 $8,480 $46,593
    Nonfarm, nonresidential loans - $100-250k 296 $41,662 $140,750
    Nonfarm, nonresidential loans - $250k-1MM 402 $175,908 $437,582
    Commercial & Industrial, US addressed loans - <$1MM 979 $136,474 $139,401
    Commercial & Industrial, US addressed loans - <$100k 432 $13,222 $30,606
    Commercial & Industrial, US addressed loans - $100-250k 239 $25,528 $106,812
    Commercial & Industrial, US addressed loans - $250k-1MM 308 $97,724 $317,286
    Farmland loans - <$1MM 18 $3,129 $173,833
    Farmland loans - <$100k 3 $99 $33,000
    Farmland loans - $100-250k 11 $1,577 $143,364
    Farmland loans - $250k-1MM 4 $1,453 $363,250
    Agriculture operations loans - <$1MM 1 $95 $95,000
    Agriculture operations loans - $100-250k 1 $95 $95,000