David Kohl

David Kohl

Dave Kohl, Corn & Soybean Digest trends editor, is an ag economist specializing in business management and ag finance. He recently retired from Virginia Tech, but continues to conduct applied research and travel extensively in the U.S. and Canada, teaching ag and banking seminars and speaking to producer and agribusiness groups. He can be reached at sullylab@vt.edu.

Posts by David Kohl

in Road Warrior Dec 16, 2014

Strategies for managing profit in agriculture during a down cycle

The reality has set in that grain prices, cash flow and profit margins will be modest at best. Whether this part of the cycle correction will be one....More
in Road Warrior Dec 09, 2014

Agriculture financial management: Working capital burn rate

If your working capital burn rate is less than one year, it would be considered high risk. Above 3.5 years is indicative of a strong second line of....More
in Road Warrior Dec 02, 2014

What happens when repayment fails?

Throughout the country many lenders and producers dealing with the grain industry may face situations when repayment is not possible this winter and....More
in Road Warrior Nov 25, 2014

Repayment risk in a variable economic environment

Lessons from the past find that the stress point in business financials is repayment capacity given debt service commitments. Repayment capacity and....More
in Road Warrior Nov 18, 2014

5 Characteristics of profitable farmers

The grain industry is taking a body blow punch as prices have moderated over the year. If the lower prices continue into 2015 and beyond, there will....More
in Road Warrior Nov 11, 2014

Economic straight talk: The grain industry

The great commodity super cycle has burned out. It lasted for a decade, two and one-half times longer than any previous super cycle boom time over....More
in Road Warrior Nov 04, 2014

Formal education in agriculture doesn't mean success

Too often young people attend a university for the degree rather than the education, which can be a waste of money and time. As a professor, I am not....More
in Road Warrior Oct 28, 2014

Tips for farmer-lender meetings, communication

Recently, a farmer asked a panel I was a member of, “How often should farmers and lenders communicate during the year, particularly during the....More
in Road Warrior Oct 21, 2014

Financial measure of efficiency for farm businesses

In many of my speeches I emphasize that better is better before bigger is better; that is, get efficient before you embark on growth. What is a good....More
in Road Warrior Oct 14, 2014

What's the coverage ratio for your farm?

One of the key financial ratios that agricultural lenders use to determine repayment ability is the term debt and lease coverage ratio. It measures....More

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