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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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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 Refi and Home Purchase 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, Madison, Phoenix, Chicago, and Racine among others. We have data for 58 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% 12/16/24
    30 Year Conventional Purchase 6.44% 12/16/24
    30 Year Conventional Refi 6.24% 12/16/24
    30 Year Cash-out Refi 6.42% 12/16/24
    30 Year VA Purchase 6.70% 12/16/24
    30 Year USDA Purchase 6.27% 12/16/24
    15 Year Conventional Purchase 5.85% 12/16/24
    15 Year Conventional Refi 5.76% 12/16/24
    15 Year Cash-out Refi 5.76% 12/16/24
    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

    7,269

    Origination Dollar Volume (All Markets)

    $1,984,375,000

    Employee count

    883

    Awards

    Johnson Bank 30 Year Conventional Loans silver Johnson Bank 30 Year Conventional Loans silver Johnson Bank 30 Year Conventional Loans bronze
    Show all (3) 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) 1,453 $422,035,000 $290,458 $2,106 3.47%
    MADISON, WI (FHA|USDA|VA) 712 $285,980,000 $401,657 $2,548 3.26%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 521 $193,705,000 $371,795 $4,235 3.54%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 769 $168,595,000 $219,239 $2,279 3.42%
    Outside of Metro Areas 644 $156,710,000 $243,339 $2,162 3.38%
    RACINE, WI (FHA|USDA|VA) 751 $146,675,000 $195,306 $2,133 3.37%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 691 $136,285,000 $197,229 $2,062 3.39%
    GREEN BAY, WI (FHA|USDA|VA) 510 $132,690,000 $260,176 $1,865 3.43%
    APPLETON, WI (FHA|USDA|VA) 310 $69,700,000 $224,839 $1,784 3.32%
    SHEBOYGAN, WI (FHA|USDA|VA) 186 $36,540,000 $196,452 $1,855 3.47%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 161 $30,205,000 $187,609 $1,812 3.40%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 102 $29,530,000 $289,510 $1,793 3.24%
    Whitewater, WI (FHA|USDA|VA) 106 $25,630,000 $241,792 $2,117 3.45%
    FARGO, ND-MN (FHA|USDA|VA) 3 $23,165,000 $7,721,667 $0 2.77%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 63 $22,945,000 $364,206 $2,845 3.13%
    FOND DU LAC, WI (FHA|USDA|VA) 12 $13,810,000 $1,150,833 $2,649 3.23%
    Stevens Point, WI (FHA|USDA|VA) 6 $12,330,000 $2,055,000 $2,278 3.21%
    Baraboo, WI (FHA|USDA|VA) 12 $6,700,000 $558,333 $2,892 3.50%
    Shawano, WI (FHA|USDA|VA) 28 $6,680,000 $238,571 $1,948 3.57%
    Manitowoc, WI (FHA|USDA|VA) 37 $6,545,000 $176,892 $1,996 3.56%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $5,005,000 $5,005,000 $0 3.00%
    FLAGSTAFF, AZ (FHA|USDA|VA) 8 $4,300,000 $537,500 $6,354 3.05%
    Show Low, AZ (FHA|USDA|VA) 13 $4,035,000 $310,385 $3,983 3.11%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 10 $3,850,000 $385,000 $5,809 3.35%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $3,825,000 $3,825,000 $0 2.41%
    Beaver Dam, WI (FHA|USDA|VA) 19 $3,805,000 $200,263 $1,937 3.48%
    TUCSON, AZ (FHA|USDA|VA) 17 $3,745,000 $220,294 $2,820 3.14%
    EAU CLAIRE, WI (FHA|USDA|VA) 20 $3,710,000 $185,500 $2,193 3.46%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 9 $3,105,000 $345,000 $3,474 3.54%
    DULUTH, MN-WI (FHA|USDA|VA) 13 $2,445,000 $188,077 $2,058 3.49%
    ROCKFORD, IL (FHA|USDA|VA) 11 $1,985,000 $180,455 $2,120 3.41%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $1,875,000 $375,000 $5,157 3.54%
    Marinette, WI-MI (FHA|USDA|VA) 10 $1,680,000 $168,000 $2,377 3.61%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 9 $1,605,000 $178,333 $2,893 3.33%
    Payson, AZ (FHA|USDA|VA) 4 $1,580,000 $395,000 $4,839 3.55%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,380,000 $230,000 $3,536 3.31%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,275,000 $425,000 $4,280 3.54%
    Heber, UT (FHA|USDA|VA) 1 $1,225,000 $1,225,000 $0 3.25%
    Key West, FL (FHA|USDA|VA) 1 $905,000 $905,000 $0 4.00%
    Iron Mountain, MI-WI (FHA|USDA|VA) 5 $865,000 $173,000 $2,532 3.56%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 3 $745,000 $248,333 $2,971 3.07%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $700,000 $350,000 $3,022 3.08%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $540,000 $270,000 $3,576 3.30%
    YUMA, AZ (FHA|USDA|VA) 2 $500,000 $250,000 $3,249 3.70%
    JACKSONVILLE, FL (FHA|USDA|VA) 2 $460,000 $230,000 $3,440 3.68%
    Platteville, WI (FHA|USDA|VA) 1 $435,000 $435,000 $0 3.50%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $400,000 $200,000 $5,794 3.55%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $385,000 $385,000 $2,106 3.30%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.99%
    ROCHESTER, MN (FHA|USDA|VA) 2 $230,000 $115,000 $2,082 3.77%
    NILES, MI (FHA|USDA|VA) 1 $225,000 $225,000 $2,661 3.40%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,536 3.00%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $1,557 2.95%
    SANTA FE, NM (FHA|USDA|VA) 1 $155,000 $155,000 $1,101 3.50%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $115,000 $115,000 $2,277 3.95%
    BOULDER, CO (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.75%
    Menomonie, WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.99%
    Worthington, MN (FHA|USDA|VA) 1 $55,000 $55,000 $399 4.95%
    Johnson Bank's top markets include Milwaukee, Madison, Phoenix, Chicago, and Racine among others.

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

    The Bank of Kaukauna
    Similarity Rank: 112
    Glenview State Bank
    Similarity Rank: 312
    Liberty Bank for Savings
    Similarity Rank: 312
    Empower Credit Union
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    Royal Bank
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    Starion Bank
    Similarity Rank: 546
    Range Bank
    Similarity Rank: 580
    UNISON CREDIT UNION
    Similarity Rank: 595
    Peoples Bank Midwest
    Similarity Rank: 608
    Westbury Bank
    Similarity Rank: 612

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,843 $1,813,285,000 $310,335 $2,316 3.24%
    HELOC 1,423 $170,395,000 $119,743 n/a 4.09%
    USDA 3 $695,000 $231,667 $4,919 3.13%

    For 2020, Johnson Bank's most frequently originated type of loan was Conventional, with 5,843 originations. Their 2nd most popular type was HELOC, with 1,423 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 2,878 $873,100,000 $303,370 $1,682 3.19%
    Home Purchase 2,327 $766,775,000 $329,512 $3,075 3.38%
    Cash Out Refi 916 $214,900,000 $234,607 $2,306 3.26%
    Other 753 $88,695,000 $117,789 $101 4.13%
    Home Improvement 395 $40,905,000 $103,557 $0 4.09%

    For 2020, Johnson Bank's most frequently cited loan purpose was Refi, with 2,878 originations. The 2nd most popular reason was Home Purchase, with 2,327 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,362 $1,035,020,000 $307,858 $2,719 3.42%
    15 Year 1,706 $378,830,000 $222,057 $1,767 2.83%
    1 Year 1,506 $182,940,000 $121,474 $1,522 4.09%
    20 Year 331 $71,635,000 $216,420 $1,822 3.31%
    10 Year 184 $171,410,000 $931,576 $1,547 2.82%
    Other 90 $60,260,000 $669,556 $1,724 3.61%
    5 Year 84 $57,480,000 $684,286 $576 3.96%
    3 Year 6 $26,800,000 $4,466,667 $0 3.28%

    For 2020, Johnson Bank's most frequently cited loan duration was 30 Year, with 3,362 originations. The 2nd most popular length was 15 Year, with 1,706 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,369 $1,188,165,000 $271,954
    $1k-2k 917 $224,985,000 $245,349
    $2k-3k 240 $64,960,000 $270,667
    $3k-4k 111 $33,565,000 $302,387
    $5k+ 52 $20,830,000 $400,577
    $4k-5k 27 $8,815,000 $326,481

    Johnson Bank's average total fees were $2,719, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,369 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 4,616 $1,195,570,000 $259,006
    2.5-3% 1,858 $463,210,000 $249,306
    4-5% 449 $69,705,000 $155,245
    <2.5% 269 $249,315,000 $926,822
    5-6% 71 $6,465,000 $91,056
    6-7% 6 $110,000 $18,333

    During 2020, Johnson Bank's average interest rate for loans was 3.42%, while their most frequently originated rate bucket for loans was 3-4%, with 4,616 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,487 $695,545,000 $279,672 $2,281 3.27%
    $100k-200k 2,468 $360,610,000 $146,114 $1,954 3.40%
    $100,000 or less 1,256 $79,640,000 $63,408 $1,786 3.80%
    $400k-600k 742 $352,620,000 $475,229 $3,137 3.25%
    $600k-1MM 220 $165,180,000 $750,818 $4,034 3.42%
    $1MM+ 96 $330,780,000 $3,445,625 $4,513 3.13%

    2020 saw Johnson Bank place emphasis on $200k-400k loans with 2,487 originations, totaling $695,545,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,793 $409,665,000 $228,480 $2,283 3.42%
    $150k-250k 1,413 $404,775,000 $286,465 $2,558 3.40%
    $50k-75k 1,181 $182,805,000 $154,788 $2,028 3.42%
    $75k-100k 1,016 $198,230,000 $195,108 $2,156 3.36%
    $250k+ 1,006 $436,510,000 $433,907 $2,746 3.40%
    $50k or less 696 $78,960,000 $113,448 $2,119 3.45%

    Johnson Bank lent most frequently to those with incomes in the $100k-150k range, with 1,793 originations. The second most popular income band? $150k-250k, with 1,413 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,027 $472,515,000 $233,111 $2,162 3.33%
    30-36% 1,332 $324,320,000 $243,483 $2,385 3.46%
    <20% 959 $249,345,000 $260,005 $2,063 3.24%
    44% 276 $58,770,000 $212,935 $2,614 3.68%
    45% 270 $55,870,000 $206,926 $2,631 3.69%
    42% 232 $54,110,000 $233,233 $2,621 3.44%
    43% 232 $56,300,000 $242,672 $2,523 3.53%
    40% 224 $52,230,000 $233,170 $2,515 3.48%
    37% 218 $53,120,000 $243,670 $2,272 3.50%
    41% 216 $49,010,000 $226,898 $2,696 3.54%
    36% 216 $53,880,000 $249,444 $2,540 3.41%
    39% 207 $50,505,000 $243,986 $2,423 3.44%
    38% 188 $42,470,000 $225,904 $2,393 3.45%
    46% 121 $34,875,000 $288,223 $2,431 3.36%
    48% 115 $28,245,000 $245,609 $2,400 3.30%
    47% 112 $30,580,000 $273,036 $2,385 3.24%
    49% 80 $21,800,000 $272,500 $2,469 3.15%
    50-60% 59 $14,985,000 $253,983 $2,426 3.50%
    >60% 7 $6,685,000 $955,000 $3,072 3.66%

    Johnson Bank lent most frequently to those with DTI ratios of 20-30%, with 2,027 originations. The next most common DTI ratio? 30-36%, with 1,332 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,666 $1,588,970,000 $238,369 $2,302 3.41%
    Not applicable 106 $268,900,000 $2,536,792 $2,086 3.54%
    Not provided 200 $56,810,000 $284,050 $2,661 3.23%
    Asian 152 $40,090,000 $263,750 $2,401 3.24%
    Black 118 $21,510,000 $182,288 $2,338 3.47%
    American Indian 23 $7,355,000 $319,783 $2,579 3.34%
    Native Hawaiian or Islander 4 $740,000 $185,000 $1,569 3.26%

    Approval Rates

    Total approvals of all applications
    92.83%

    Johnson Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    82.50%

    Johnson Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,269 $1,984,375,000 $272,991

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 50 $251,900,000 $5,038,000
    Single Family (1-4 Units):Manufactured 16 $2,320,000 $145,000
    Single Family (1-4 Units):Site-Built 7,203 $1,730,155,000 $240,199

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 955 $166,445,000 $174,288 $1,742 3.66%
    40-60% 1,444 $386,780,000 $267,853 $1,799 3.20%
    60-80% 2,564 $883,160,000 $344,446 $2,374 3.28%
    80-100% 1,704 $504,100,000 $295,833 $2,788 3.39%
    Over 100% 10 $3,100,000 $310,000 $3,173 3.73%
    Under 20% 589 $40,775,000 $69,228 $1,582 4.10%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Johnson Bank 1 South Main Street Janesville, WI 53545 Full Service B&M $356,668
    Johnson Bank 1000 Fox Street Mukwonago, WI 53149 Full Service B&M $36,318
    Johnson Bank 101 West Chestnut Street Burlington, WI 53105 Full Service B&M $13,807
    Johnson Bank 10631 Ushwy 63 Hayward, WI 54843 Full Service B&M $154,638
    Johnson Bank 1309 N Wright Road Janesville, WI 53546 Full Service B&M $39,734
    Johnson Bank 14000 W North Ave Brookfield, WI 53005 Full Service B&M $28,682
    Johnson Bank 1525 Howe Street Racine, WI 53403 Full Service B&M $21,779
    Johnson Bank 1555 West Mequon Road Mequon, WI 53092 Full Service B&M $7,520
    Johnson Bank 159 Martin Luther King Jr. Boulevard Madison, WI 53703 Full Service B&M $8,189
    Johnson Bank 200 Sherman Avenue West Fort Atkinson, WI 53538 Full Service B&M $49,048
    Johnson Bank 2019 Cenex Drive Rice Lake, WI 54868 Full Service B&M $13,760
    Johnson Bank 2021 Holiday Drive Janesville, WI 53545 Full Service B&M $42,292
    Johnson Bank 222 West College Avenue Appleton, WI 54911 Full Service B&M $8,399
    Johnson Bank 2729 18th Street Kenosha, WI 53140 Full Service B&M $45,052
    Johnson Bank 3001 W. Rawson Avenue Franklin, WI 53132 Full Service B&M $36,270
    Johnson Bank 3131 East Camelback Road Phoenix, AZ 85016 Full Service B&M $313,386
    Johnson Bank 318 S. Washington Street Green Bay, WI 54301 Full Service B&M $372,475
    Johnson Bank 32621 North Scottsdale Road Scottsdale, AZ 85262 Full Service B&M $43,045
    Johnson Bank 333 East Wisconsin Avenue Milwaukee, WI 53202 Full Service B&M $770,401
    Johnson Bank 340 South Main Street Rice Lake, WI 54868 Full Service Retail $20,008
    Johnson Bank 3928 60th Street Kenosha, WI 53144 Full Service B&M $54,440
    Johnson Bank 4001 N Main Street Wind Point, WI 53402 Full Service B&M $101,769
    Johnson Bank 455 Riverdale Drive Green Bay, WI 54313 Full Service B&M $18,551
    Johnson Bank 4959 Douglas Avenue Racine, WI 53402 Full Service B&M $58,069
    Johnson Bank 5201 East Terrace Drive Madison, WI 53718 Full Service B&M $571,001
    Johnson Bank 525 Junction Road Madison, WI 53717 Full Service B&M $15,821
    Johnson Bank 526 North River Street Spooner, WI 54801 Full Service B&M $18,088
    Johnson Bank 555 Main Street, 490 Racine, WI 53403 Full Service B&M $1,105,446
    Johnson Bank 5600 Lake Drive, Suite 101 Whitefish Bay, WI 53217 Full Service B&M $33,755
    Johnson Bank 5901 Durand Avenue Racine, WI 53406 Full Service B&M $138,263
    Johnson Bank 6520 Northwestern Avenue Racine, WI 53406 Full Service B&M $61,829
    Johnson Bank 6700 Washington Avenue Racine, WI 53406 Full Service B&M $78,711
    Johnson Bank 7401 144th Avenue Kenosha, WI 53142 Full Service B&M $24,667
    Johnson Bank 7500 Green Bay Road Kenosha, WI 53142 Full Service B&M $441,803
    Johnson Bank 8046 39th Avenue Kenosha, WI 53142 Full Service B&M $57,472
    Johnson Bank 815 Woodlake Road Kohler, WI 53044 Full Service B&M $59,840
    Johnson Bank 8311 16th Street Sturtevant, WI 53177 Full Service B&M $15,015
    Johnson Bank 840 Main Avenue De Pere, WI 54115 Full Service B&M $19,891
    Johnson Bank 8700 East Pinnacle Peak Road Scottsdale, AZ 85255 Full Service B&M $34,303
    Johnson Bank 8700 N. Gainey Center Dr., Ste 100 Scottsdale, AZ 85258 Full Service B&M $25,118
    Johnson Bank N22 W23991 Ridgeview Pkwy Waukesha, WI 53188 Full Service B&M $25,431

    For 2020, Johnson Bank had 41 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $191,441
    Net interest income $178,169
    Total noninterest income $124,564
    Gross Fiduciary activities income $31,409
    Service charges on deposit accounts $7,187
    Trading account gains and fees $0
    Additional Noninterest Income $85,968
    Pre-tax net operating income $118,720
    Securities gains (or losses, -) $95
    Income before extraordinary items $88,516
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $88,516
    Minority interest net income $0
    Net income $88,516
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $88,440

    Johnson Bank's gross interest income from loans was $191,441,000.
    Johnson Bank's net interest income from loans was $178,169,000.
    Johnson Bank's fee based income from loans was $7,187,000.
    Johnson Bank's net income from loans was $88,516,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $13,272
    Provision for credit losses $15,000
    Total noninterest expense $169,013
    Salaries and employee benefits $119,407
    Premises and equipment expense $23,357
    Additional noninterest expense $26,249
    Applicable income taxes $30,299
    Net charge-offs $-8,130
    Cash dividends $20,000

    Johnson Bank's interest expense for loans was $13,272,000.
    Johnson Bank's payroll and benefits expense were $119,407,000.
    Johnson Bank's property, plant and equipment expenses $23,357,000.

    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 1.0%
    Personal loans 0.0%
    Credit card loans 0.3%
    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 $5,111,606
    Deposits held in domestic offices $5,111,606
    Deposits by Individuals, partnerships, and corporations $4,939,473
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $172,133
    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 $2,769,738
    Demand deposits $2,054,929
    Nontransaction accounts $2,341,868
    Money market deposit accounts (MMDAs) $1,719,528
    Other savings deposits (excluding MMDAs) $300,906
    Total time deposits $321,434
    Total time and savings deposits $3,056,677
    Noninterest-bearing deposits $1,582,903
    Interest-bearing deposits $3,528,703
    Retail deposits $5,037,307
    IRAs and Keogh plan accounts $66,508
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,967,069
    Cash & Balances due from depository institutions $673,700
    Interest-bearing balances $618,094
    Total securities $580,413
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,392,047
    Loan and leases loss allowance $84,121
    Trading account assets $0
    Bank premises and fixed assets $65,421
    Other real estate owned $94
    Goodwill and other intangibles $32,545
    All other assets $222,849

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,967,069
    Total Liabilities $5,222,754
    Total deposits $5,111,606
    Interest-bearing deposits $3,528,703
    Deposits held in domestic offices $5,111,606
    % insured (estimated) $46
    Federal funds purchased and repurchase agreements $6,243
    Trading liabilities $0
    Other borrowed funds $4,000
    Subordinated debt $0
    All other liabilities $100,905

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,392,047
    Loan and leases loss allowance $84,121
    Total loans and leases (domestic) $4,476,168
    All real estate loans $3,117,880
    Real estate loans in domestic offices $3,117,880
    Construction and development loans $359,235
    Residential 1-4 family construction $103,730
    Other construction, all land development and other land $255,505
    Loans secured by nonfarm nonresidential properties $1,080,789
    Nonfarm nonresidential secured by owner-occupied properties $611,223
    Commercial real estate & other non-farm, non-residential $469,566
    Multifamily residential real estate $481,133
    1-4 family residential loans $1,191,961
    Farmland loans $4,762
    Loans held in foreign offices $0
    Farm loans $101
    Commercial and industrial loans $1,144,320
    To non-U.S. addressees $0
    Loans to individuals $79,429
    Credit card loans $14,178
    Related Plans $50,406
    Consumer Auto Loans $515
    Other loans to individuals $14,330
    All other loans & leases $134,438
    Loans to foreign governments and official institutions $0
    Other loans $78,317
    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 $0
    Restructured Loans & leases $2,460
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Johnson Bank had $4,392,047,000 of loans outstanding in 2020. $3,117,880,000 of loans were in real estate loans. $359,235,000 of loans were in development loans. $481,133,000 of loans were in multifamily mortgage loans. $1,191,961,000 of loans were in 1-4 family mortgage loans. $101,000 of loans were in farm loans. $14,178,000 of loans were in credit card loans. $515,000 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 788 $206,040 $261,472
    Nonfarm, nonresidential loans - <$100k 147 $6,878 $46,789
    Nonfarm, nonresidential loans - $100-250k 276 $39,144 $141,826
    Nonfarm, nonresidential loans - $250k-1MM 365 $160,018 $438,405
    Commercial & Industrial, US addressed loans - <$1MM 2,163 $250,791 $115,946
    Commercial & Industrial, US addressed loans - <$100k 1,299 $38,744 $29,826
    Commercial & Industrial, US addressed loans - $100-250k 422 $53,957 $127,860
    Commercial & Industrial, US addressed loans - $250k-1MM 442 $158,090 $357,670
    Farmland loans - <$1MM 17 $2,807 $165,118
    Farmland loans - <$100k 3 $56 $18,667
    Farmland loans - $100-250k 9 $1,087 $120,778
    Farmland loans - $250k-1MM 5 $1,664 $332,800
    Agriculture operations loans - <$1MM 1 $101 $101,000
    Agriculture operations loans - $100-250k 1 $101 $101,000