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™
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    • 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, Chicago, Racine, and Janesville among others. We have data for 56 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 an above 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.

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    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

    6,668

    Origination Dollar Volume (All Markets)

    $1,717,250,000

    Employee count

    854 Show all (10) 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) 1,487 $425,475,000 $286,130 $2,073 3.15%
    MADISON, WI (FHA|USDA|VA) 578 $192,600,000 $333,218 $2,303 2.98%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 791 $175,455,000 $221,814 $2,149 3.12%
    Outside of Metro Areas 707 $163,035,000 $230,601 $2,115 3.12%
    RACINE, WI (FHA|USDA|VA) 763 $151,185,000 $198,145 $1,988 3.11%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 654 $126,520,000 $193,456 $2,039 3.06%
    GREEN BAY, WI (FHA|USDA|VA) 514 $124,570,000 $242,354 $1,966 3.18%
    APPLETON, WI (FHA|USDA|VA) 316 $82,430,000 $260,854 $1,736 3.02%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 47 $36,755,000 $782,021 $2,700 2.91%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 168 $33,700,000 $200,595 $1,775 3.08%
    SHEBOYGAN, WI (FHA|USDA|VA) 154 $29,550,000 $191,883 $1,781 3.11%
    Whitewater, WI (FHA|USDA|VA) 95 $29,275,000 $308,158 $2,809 2.94%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 104 $26,550,000 $255,288 $1,774 3.01%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 39 $21,315,000 $546,538 $8,531 3.05%
    Marinette, WI-MI (FHA|USDA|VA) 20 $19,130,000 $956,500 $2,076 3.04%
    Shawano, WI (FHA|USDA|VA) 19 $12,515,000 $658,684 $1,802 3.11%
    Manitowoc, WI (FHA|USDA|VA) 41 $12,335,000 $300,854 $1,749 2.99%
    EAU CLAIRE, WI (FHA|USDA|VA) 21 $11,245,000 $535,476 $2,209 3.24%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $5,750,000 $718,750 $6,129 2.71%
    Beaver Dam, WI (FHA|USDA|VA) 22 $4,530,000 $205,909 $1,978 3.10%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $3,180,000 $530,000 $17,574 3.01%
    Baraboo, WI (FHA|USDA|VA) 11 $2,945,000 $267,727 $1,959 3.11%
    DULUTH, MN-WI (FHA|USDA|VA) 10 $2,690,000 $269,000 $2,391 3.48%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 14 $2,490,000 $177,857 $2,301 3.06%
    FOND DU LAC, WI (FHA|USDA|VA) 10 $2,370,000 $237,000 $2,034 2.80%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $2,370,000 $395,000 $4,382 3.04%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $2,005,000 $668,333 $5,378 3.14%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $1,880,000 $940,000 $9,837 2.93%
    ROCKFORD, IL (FHA|USDA|VA) 11 $1,585,000 $144,091 $2,476 3.10%
    BOULDER, CO (FHA|USDA|VA) 3 $1,185,000 $395,000 $3,152 3.31%
    TUCSON, AZ (FHA|USDA|VA) 5 $1,125,000 $225,000 $2,487 2.98%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $700,000 $350,000 $4,893 3.17%
    Platteville, WI (FHA|USDA|VA) 3 $695,000 $231,667 $1,941 2.50%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $660,000 $330,000 $3,914 3.50%
    Menomonie, WI (FHA|USDA|VA) 3 $625,000 $208,333 $1,984 2.75%
    THE VILLAGES, FL (FHA|USDA|VA) 3 $595,000 $198,333 $3,078 2.67%
    Stevens Point, WI (FHA|USDA|VA) 4 $570,000 $142,500 $2,063 3.09%
    Show Low, AZ (FHA|USDA|VA) 1 $535,000 $535,000 $7,779 2.50%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $495,000 $495,000 $3,791 3.00%
    ROCHESTER, MN (FHA|USDA|VA) 2 $480,000 $240,000 $2,089 2.95%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $470,000 $235,000 $2,575 3.00%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $445,000 $445,000 $2,979 2.35%
    OCALA, FL (FHA|USDA|VA) 1 $405,000 $405,000 $3,810 2.80%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $395,000 $395,000 $4,303 3.00%
    Iron Mountain, MI-WI (FHA|USDA|VA) 2 $350,000 $175,000 $2,566 3.18%
    SANTA FE, NM (FHA|USDA|VA) 1 $325,000 $325,000 $6,038 2.95%
    BILLINGS, MT (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.27%
    Winona, MN (FHA|USDA|VA) 1 $285,000 $285,000 $2,377 2.40%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.99%
    Brainerd, MN (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.99%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $185,000 $185,000 $2,480 3.25%
    Durango, CO (FHA|USDA|VA) 1 $145,000 $145,000 $2,600 2.25%
    Rochelle, IL (FHA|USDA|VA) 1 $95,000 $95,000 $1,885 2.50%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $85,000 $85,000 $1,463 3.25%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $75,000 $75,000 $1,768 2.45%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.00%
    Johnson Bank's top markets include Milwaukee, Madison, Chicago, Racine, and Janesville among others.

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

    First Savings Bank of Hegewisch
    Similarity Rank: 45
    PROSPERA Credit Union
    Similarity Rank: 140
    Liberty Bank for Savings
    Similarity Rank: 153
    The Stephenson National Bank and Trust
    Similarity Rank: 360
    First Credit Union
    Similarity Rank: 378
    SENB Bank
    Similarity Rank: 396
    DMB Community Bank
    Similarity Rank: 400
    Fox Valley Savings Bank
    Similarity Rank: 420
    Wolf River Community Bank
    Similarity Rank: 450
    The Bank of Kaukauna
    Similarity Rank: 484

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,224 $1,518,560,000 $290,689 $2,145 2.86%
    HELOC 1,442 $198,330,000 $137,538 n/a 3.96%
    USDA 2 $360,000 $180,000 $3,650 2.63%

    For 2021, Johnson Bank's most frequently originated type of loan was Conventional, with 5,224 originations. Their 2nd most popular type was HELOC, with 1,442 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 2,577 $659,835,000 $256,048 $1,598 2.83%
    Home Purchase 1,819 $660,705,000 $363,224 $3,045 3.06%
    Cash Out Refi 1,133 $261,405,000 $230,719 $1,961 2.88%
    Other 732 $91,720,000 $125,301 $0 3.97%
    Home Improvement 407 $43,585,000 $107,088 $0 3.98%

    For 2021, Johnson Bank's most frequently cited loan purpose was Refi, with 2,577 originations. The 2nd most popular reason was Home Purchase, with 1,819 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,922 $876,420,000 $299,938 $2,443 3.06%
    1 Year 1,458 $193,520,000 $132,730 $450 3.97%
    15 Year 1,419 $336,925,000 $237,438 $1,691 2.42%
    20 Year 460 $127,180,000 $276,478 $2,299 2.90%
    10 Year 216 $45,590,000 $211,065 $1,449 2.44%
    Other 132 $86,930,000 $658,561 $1,193 3.07%
    5 Year 57 $41,645,000 $730,614 $0 3.95%
    3 Year 4 $9,040,000 $2,260,000 $0 3.50%

    For 2021, Johnson Bank's most frequently cited loan duration was 30 Year, with 2,922 originations. The 2nd most popular length was 1 Year, with 1,458 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,350 $1,182,340,000 $271,802
    $1k-2k 527 $123,235,000 $233,843
    $2k-3k 145 $39,785,000 $274,379
    $3k-4k 54 $18,870,000 $349,444
    $5k+ 34 $17,960,000 $528,235
    $4k-5k 31 $13,875,000 $447,581

    Johnson Bank's average total fees were $2,443, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,350 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,853 $635,195,000 $222,641
    2.5-3% 2,160 $634,050,000 $293,542
    <2.5% 1,536 $434,660,000 $282,982
    4-5% 103 $11,505,000 $111,699
    5-6% 16 $1,840,000 $115,000

    During 2021, Johnson Bank's average interest rate for loans was 3.06%, while their most frequently originated rate bucket for loans was 3-4%, with 2,853 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 2,312 $338,610,000 $146,458 $1,819 3.07%
    $200k-400k 2,283 $632,475,000 $277,037 $2,023 2.99%
    $100,000 or less 1,118 $72,740,000 $65,063 $1,662 3.55%
    $400k-600k 705 $342,455,000 $485,752 $2,754 2.86%
    $600k-1MM 169 $125,915,000 $745,059 $3,360 3.07%
    $1MM+ 81 $205,055,000 $2,531,543 $9,553 2.98%

    2021 saw Johnson Bank place emphasis on $100k-200k loans with 2,312 originations, totaling $338,610,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,558 $359,190,000 $230,546 $2,028 3.07%
    $150k-250k 1,304 $375,650,000 $288,075 $2,172 3.12%
    $50k-75k 1,074 $164,220,000 $152,905 $1,859 3.06%
    $75k-100k 1,024 $202,780,000 $198,027 $2,023 3.09%
    $250k+ 861 $382,645,000 $444,419 $3,093 3.15%
    $50k or less 709 $96,115,000 $135,564 $1,996 3.07%

    Johnson Bank lent most frequently to those with incomes in the $100k-150k range, with 1,558 originations. The second most popular income band? $150k-250k, with 1,304 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,773 $419,825,000 $236,788 $2,047 3.02%
    30-36% 1,199 $293,495,000 $244,783 $2,139 3.14%
    <20% 920 $236,980,000 $257,587 $1,880 2.91%
    44% 260 $55,550,000 $213,654 $2,423 3.38%
    45% 249 $46,995,000 $188,735 $2,171 3.45%
    43% 230 $54,110,000 $235,261 $2,320 3.20%
    42% 211 $46,765,000 $221,635 $2,093 3.21%
    36% 210 $48,690,000 $231,857 $2,361 3.14%
    39% 202 $49,420,000 $244,653 $2,271 3.18%
    41% 198 $51,430,000 $259,747 $2,220 3.15%
    38% 194 $46,220,000 $238,247 $2,103 3.15%
    37% 186 $45,610,000 $245,215 $3,237 3.20%
    40% 180 $49,230,000 $273,500 $2,392 3.23%
    47% 118 $29,260,000 $247,966 $2,032 2.91%
    46% 117 $30,165,000 $257,821 $2,100 2.92%
    48% 109 $27,515,000 $252,431 $2,358 3.00%
    49% 99 $26,925,000 $271,970 $2,259 2.90%
    50-60% 56 $17,370,000 $310,179 $2,490 3.07%
    >60% 11 $4,345,000 $395,000 $1,912 3.57%

    Johnson Bank lent most frequently to those with DTI ratios of 20-30%, with 1,773 originations. The next most common DTI ratio? 30-36%, with 1,199 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,236 $1,499,940,000 $240,529 $2,134 3.09%
    Not applicable 66 $126,800,000 $1,921,212 $2,062 3.65%
    Asian 157 $43,955,000 $279,968 $2,524 2.98%
    Black 123 $26,265,000 $213,537 $2,159 3.29%
    Not provided 61 $14,965,000 $245,328 $2,249 2.92%
    American Indian 21 $4,815,000 $229,286 $1,929 3.20%
    Native Hawaiian or Islander 3 $325,000 $108,333 $1,378 3.10%
    Other Pacific Islander 1 $185,000 $185,000 $0 3.25%

    Approval Rates

    Total approvals of all applications
    94.36%

    Johnson Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.24%

    Johnson Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,668 $1,717,250,000 $257,536

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,668 $1,717,250,000 $257,536

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,005 $143,755,000 $143,040 $1,600 3.35%
    40-60% 1,600 $357,380,000 $223,363 $1,668 2.87%
    60-80% 2,228 $723,950,000 $324,933 $2,217 2.97%
    80-100% 1,269 $451,115,000 $355,489 $2,828 3.05%
    Over 100% 1 $305,000 $305,000 $0 3.75%
    Under 20% 565 $40,745,000 $72,115 $1,064 3.93%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Johnson Bank 1 South Main Street Janesville, WI 53545 Full Service B&M $358,566
    Johnson Bank 1000 Fox Street Mukwonago, WI 53149 Full Service B&M $41,649
    Johnson Bank 101 West Chestnut Street Burlington, WI 53105 Full Service B&M $15,970
    Johnson Bank 10631 Ushwy 63 Hayward, WI 54843 Full Service B&M $167,589
    Johnson Bank 14000 W North Ave Brookfield, WI 53005 Full Service B&M $31,430
    Johnson Bank 1555 West Mequon Road Mequon, WI 53092 Full Service B&M $8,930
    Johnson Bank 159 Martin Luther King Jr. Boulevard Madison, WI 53703 Full Service B&M $8,557
    Johnson Bank 200 Sherman Avenue West Fort Atkinson, WI 53538 Full Service B&M $58,583
    Johnson Bank 2019 Cenex Drive Rice Lake, WI 54868 Full Service B&M $37,499
    Johnson Bank 2021 Holiday Drive Janesville, WI 53545 Full Service B&M $81,526
    Johnson Bank 222 West College Avenue Appleton, WI 54911 Full Service B&M $11,253
    Johnson Bank 3001 W. Rawson Avenue Franklin, WI 53132 Full Service B&M $41,693
    Johnson Bank 318 S. Washington Street Green Bay, WI 54301 Full Service B&M $355,310
    Johnson Bank 333 East Wisconsin Avenue Milwaukee, WI 53202 Full Service B&M $791,085
    Johnson Bank 3928 60th Street Kenosha, WI 53144 Full Service B&M $62,634
    Johnson Bank 4001 N Main Street Wind Point, WI 53402 Full Service B&M $121,093
    Johnson Bank 4959 Douglas Avenue Racine, WI 53402 Full Service B&M $114,997
    Johnson Bank 5201 East Terrace Drive Madison, WI 53718 Full Service B&M $596,394
    Johnson Bank 525 Junction Road Madison, WI 53717 Full Service B&M $17,644
    Johnson Bank 526 North River Street Spooner, WI 54801 Full Service B&M $20,943
    Johnson Bank 555 Main Street, 490 Racine, WI 53403 Full Service B&M $870,574
    Johnson Bank 5600 Lake Drive, Suite 101 Whitefish Bay, WI 53217 Full Service B&M $38,694
    Johnson Bank 5901 Durand Avenue Racine, WI 53406 Full Service B&M $153,156
    Johnson Bank 6700 Washington Avenue Racine, WI 53406 Full Service B&M $89,214
    Johnson Bank 7401 144th Avenue Kenosha, WI 53142 Full Service B&M $29,969
    Johnson Bank 7500 Green Bay Road Kenosha, WI 53142 Full Service B&M $572,512
    Johnson Bank 8046 39th Avenue Kenosha, WI 53142 Full Service B&M $67,494
    Johnson Bank 815 Woodlake Road Kohler, WI 53044 Full Service B&M $64,513
    Johnson Bank 840 Main Avenue De Pere, WI 54115 Full Service B&M $32,738
    Johnson Bank N22 W23991 Ridgeview Pkwy Waukesha, WI 53188 Full Service B&M $32,615

    For 2021, Johnson Bank had 30 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $167,196
    Net interest income $163,990
    Total noninterest income $101,404
    Gross Fiduciary activities income $34,847
    Service charges on deposit accounts $7,179
    Trading account gains and fees $0
    Additional Noninterest Income $59,378
    Pre-tax net operating income $92,024
    Securities gains (or losses, -) $6
    Income before extraordinary items $69,843
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $69,843
    Minority interest net income $0
    Net income $69,843
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $69,838

    Johnson Bank's gross interest income from loans was $167,196,000.
    Johnson Bank's net interest income from loans was $163,990,000.
    Johnson Bank's fee based income from loans was $7,179,000.
    Johnson Bank's net income from loans was $69,843,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,206
    Provision for credit losses $-10,000
    Total noninterest expense $183,370
    Salaries and employee benefits $115,376
    Premises and equipment expense $27,293
    Additional noninterest expense $40,701
    Applicable income taxes $22,187
    Net charge-offs $-1,349
    Cash dividends $30,000

    Johnson Bank's interest expense for loans was $3,206,000.
    Johnson Bank's payroll and benefits expense were $115,376,000.
    Johnson Bank's property, plant and equipment expenses $27,293,000.

    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 0.2%
    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 $5,184,581
    Deposits held in domestic offices $5,184,581
    Deposits by Individuals, partnerships, and corporations $5,009,197
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $175,268
    Deposits by Commercial banks and other depository institutions in U.S. $116
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,844,986
    Demand deposits $2,096,100
    Nontransaction accounts $2,339,595
    Money market deposit accounts (MMDAs) $1,708,423
    Other savings deposits (excluding MMDAs) $359,231
    Total time deposits $271,941
    Total time and savings deposits $3,088,481
    Noninterest-bearing deposits $1,608,832
    Interest-bearing deposits $3,575,749
    Retail deposits $5,123,265
    IRAs and Keogh plan accounts $61,570
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,049,532
    Cash & Balances due from depository institutions $869,958
    Interest-bearing balances $834,015
    Total securities $736,122
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,097,282
    Loan and leases loss allowance $75,470
    Trading account assets $0
    Bank premises and fixed assets $66,343
    Other real estate owned $2
    Goodwill and other intangibles $36,614
    All other assets $243,211

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,049,532
    Total Liabilities $5,270,580
    Total deposits $5,184,581
    Interest-bearing deposits $3,575,749
    Deposits held in domestic offices $5,184,581
    % insured (estimated) $50
    Federal funds purchased and repurchase agreements $1,093
    Trading liabilities $0
    Other borrowed funds $5,000
    Subordinated debt $0
    All other liabilities $79,906

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,097,282
    Loan and leases loss allowance $75,470
    Total loans and leases (domestic) $4,172,752
    All real estate loans $3,110,739
    Real estate loans in domestic offices $3,110,739
    Construction and development loans $426,965
    Residential 1-4 family construction $69,437
    Other construction, all land development and other land $357,528
    Loans secured by nonfarm nonresidential properties $1,113,792
    Nonfarm nonresidential secured by owner-occupied properties $609,017
    Commercial real estate & other non-farm, non-residential $504,775
    Multifamily residential real estate $527,360
    1-4 family residential loans $1,039,600
    Farmland loans $3,022
    Loans held in foreign offices $0
    Farm loans $109
    Commercial and industrial loans $838,875
    To non-U.S. addressees $0
    Loans to individuals $81,485
    Credit card loans $15,297
    Related Plans $52,606
    Consumer Auto Loans $367
    Other loans to individuals $13,215
    All other loans & leases $141,544
    Loans to foreign governments and official institutions $0
    Other loans $85,916
    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 $2,391
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Johnson Bank had $4,097,282,000 of loans outstanding in 2021. $3,110,739,000 of loans were in real estate loans. $426,965,000 of loans were in development loans. $527,360,000 of loans were in multifamily mortgage loans. $1,039,600,000 of loans were in 1-4 family mortgage loans. $109,000 of loans were in farm loans. $15,297,000 of loans were in credit card loans. $367,000 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 717 $197,061 $274,841
    Nonfarm, nonresidential loans - <$100k 112 $5,273 $47,080
    Nonfarm, nonresidential loans - $100-250k 250 $35,152 $140,608
    Nonfarm, nonresidential loans - $250k-1MM 355 $156,636 $441,228
    Commercial & Industrial, US addressed loans - <$1MM 785 $111,701 $142,294
    Commercial & Industrial, US addressed loans - <$100k 333 $9,456 $28,396
    Commercial & Industrial, US addressed loans - $100-250k 188 $20,263 $107,782
    Commercial & Industrial, US addressed loans - $250k-1MM 264 $81,982 $310,538
    Farmland loans - <$1MM 13 $1,880 $144,615
    Farmland loans - <$100k 3 $61 $20,333
    Farmland loans - $100-250k 6 $606 $101,000
    Farmland loans - $250k-1MM 4 $1,213 $303,250
    Agriculture operations loans - <$1MM 1 $109 $109,000
    Agriculture operations loans - $100-250k 1 $109 $109,000