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  • Dec 16, 2014
    blog

    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, two, or even five years or more in duration, farmers and their lenders will have to manage through these economic white waters....More
  • Dec 9, 2014
    blog

    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 defense and of course, between one and 3.5 years would be considered acceptable, but not stellar. To say the least, this winter and next year will be a balancing act as farmers juggle quickly converting liquid assets to cash to keep their businesses in operation....More
  • Dec 9, 2014
    blog

    Fine tune 2015 profit margins for your farm: Land rental rates, production expenses

    The combination of lower projected corn prices and soybean prices in 2015, together with nearly steady input costs for seed, fertilizer, and chemicals, will limit estimated potential returns over direct expenses and land costs, at average crop yields. Another major variable in breakeven levels in crop production are loan payments on capital investments such as farm machinery, facilities and land purchases....More
  • Dec 2, 2014
    blog

    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 into 2015. With high cash rents and leases, along with input cost creep, there is a strong possibility that 2014 and 2015 may not cash flow and may show negative repayment capacity for many grain producers. Now what?...More
  • Nov 25, 2014
    blog

    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 the management factors that influence it should be front and center in many farmers’ game plans....More
  • Nov 25, 2014
    blog

    Farm program signup begins

    Sign-up for the new farm program, which part of the new farm bill, is now underway at local USDA Farm Service Agency (FSA) offices. The new farm program will be in place for the 2014 to 2018 crop years for all eligible crops under the Commodity Title of the 2014 Farm Bill, including corn, soybeans, wheat and other crops....More

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