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  • Jun. 18, 2013
    blog

    Family Living Costs Gone Wild?

    One of the major discussion points at ag lending and banking schools is the trend in family living costs and withdrawals from farm and ranch businesses. Some lenders say that their customers are living on $40,000/year, while others state that the living withdrawals have increased dramatically, particularly in the last five years with strong grain and commodity prices....More
  • Jun. 4, 2013
    blog

    Criteria for Enduring the Commodity Super Cycle and Land Value Correction

    If a farm is profitable and the profits are allocated properly, all financial criteria on the farm and ranch business will improve. In recent years with the extensive appreciation of land values, some have ignored profitability, or it has become a secondary priority. This is particularly true with the “millionaires on paper” as a result of inflation that have never earned a dollar of profit....More
  • May 28, 2013
    blog

    How Long Will Federal Reserve Continue "Easy Money" Policy?

    The stock market recently bounced to a record high of 15,000. Central banks around the world are opening up the floodgates of stimulus. In my road warrior travels, I have noticed numerous people are concerned about how long the Federal Reserve will continue their “easy money” policy....More
  • May 21, 2013
    blog

    Perspectives on U.S. Farm Debt

    There is considerable discussion among agricultural economists and lenders concerning the status and trends of U.S. farm debt. Let’s dig deeper into the subject and provide perspective....More
  • May 7, 2013
    blog

    Financial Shock and Stress Testing

    The other day a young producer was concerned because he had difficulty obtaining his operating loan for yearly operations. He stated that the lender performed financial shock tests that raised concerns about his financial status. Let’s examine some of the financial shock tests that are top of mind with your lender, and particularly the regulators that provide oversight on agricultural loans....More
  • Feb. 19, 2013
    Article

    2013 Net Farm Income Predicted Up, But Net Cash Income Down

    All of the newspaper and television headlines will scream that net farm income for 2013 will be up 14% compared to last year. And many of those readers and viewers will remember prior headlines that indicated farmers were raking in cash from the USDA’s crop insurance program at levels higher than they would have received in a normal production year. Unfortunately, agriculture needs Paul Harvey to tell, “The rest of the story.”...More
  • Oct. 2, 2012
    blog

    Where is the Risk?

    Many of you have faced this summer’s drought and its implications. Of course, crop insurance was a key player in this year's economics, and some producers whose land received moisture at the proper times and proper levels benefited from solid yields at very strong prices. Land values and cash rents continue to rise as profit expectations are capitalized into land prices....More
  • Sep. 18, 2012
    blog

    Surprise from the Federal Reserve

    The announcement last week by the Federal Reserve’s Federal Open Market Committee (FOMC) of quantitative easing part three (QE3) came as a surprise to me and many others. I was attending a bank advisory board meeting made up of management and leading agricultural industry players, and when the announcement was made, groans were heard throughout the room....More
  • Aug. 28, 2012
    blog

    Student Debt Jail House Rock

    Based on the title of this column, many of you probably think I have been listening to too much of the Elvis Channel on satellite radio during my extensive travels. No, seriously, young people in America are accumulating student debt at an alarming rate, which in turn limits their opportunities up to a decade or more....More
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