Finance

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  • Jul 22, 2014
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    Back to the Future, Part 2: Ag lending and financial management 2

    An interesting trend in both the 1980s and today is that late in the economic cycle, many lending institutions saw opportunity in the agriculture industry, and thus came into the field of agriculture for profits....More
  • Jun 10, 2014
    blog

    Working capital: The shock absorber 2

    While 33% working capital to revenue is appropriate for cash grain and market livestock businesses because of significant inventory, is this level of working capital too aggressive for dairies, since milk inventory is picked up every day or every other day?...More
  • Mar 18, 2014
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    Farm management, finances make difference in profit

    After analyzing a data summary of farmers in low, middle and high income brackets, David Kohl shares some core perspectives on asset turnover, coverage ratio and debt servicing ability and profit margins in agriculture....More
  • Mar 11, 2014
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    3 Benchmarks farmers and lenders need to know 1

    There are three benchmarks every producer and lender needs to know when handling the moderating grain industry and the positive economics of the livestock sector: the current ratio, net working capital and working capital to gross revenue ratio....More
  • Dec 17, 2013
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    Perspectives on Farm Finance: Part 1 1

    The great commodity super cycle has kicked in with high prices. However, the top 20% of producers have developed a total system of management which includes operations, risk management, finance and marketing....More
  • Dec 3, 2013
    blog

    Farm Balance Sheets: 2010s vs. 1980s

    The U.S. farm balance sheet from a debt and equity position is much stronger now than it was in the 1980s. The debt to asset ratio in the 1980s ranged from 20% to 24%, compared to 10% today. That being said, debt was dispersed over a larger number of producers in the prior periods....More
  • Nov 26, 2013
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    Tips for high-quality balance sheets 31

    High-quality balance sheets initially can be difficult and time-consuming to prepare, particularly given all the livestock and crops involved in diversified and multi-entity operations, but if updated in a timely manner, they're a good financial management tool for farm operations....More
  • Nov 19, 2013
    blog

    Business tips for low-equity, young farmers: Part 2

    If you're a young, low-equity farmer, David Kohl recommends examining incentive programs specifically for beginning farmers, building capital when experiences are profitable and seek a relationship-based lender....More
  • Nov 12, 2013
    blog

    Business tips for low-equity, young farmers: Part 1

    What advice would you have for a low-equity young producer either launching or growing their business? This was a question from a group of 34 lenders representing nine states in our Farm Credit University blended course which includes online and face-to-face training. Dr. Alex White from Virginia Tech and I tag-teamed this challenge with rapid fire responses....More

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