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Issue: July 2016

Greetings, Agricultural Lenders!

Welcome to our quarterly electronic newsletter to highlight information that we hope you will find helpful in your work.

In this issue, we highlight:

  • Watching for Signs of Financial Stress
  • Leading Professionally Through Tough Times
  • Evaluating Financial Performance and Position Fact Sheet
  • Oklahoma Wheat Stocker Purchase Planner Decision Aid
  • Examining Trends in Liquidity for a Sample of Kansas Farms
  • Upcoming Events

You are receiving this newsletter because of your past participation in OSU Department of Agricultural Economics events or links to faculty in the Department. We hope that you’ll share this e-newsletter with colleagues who may not be on our list. They can then opt to subscribe using the link at the bottom.

We hope you enjoy this newsletter!

Watching for Signs of Financial Stress

Of great concern to agricultural lenders (and hence also to producers) is working capital, which measures the business’ ability to meet financial obligations as they come due. Working capital is the amount of cash left to purchase inputs and inventory items if the business sold all current assets and paid all current liabilities.
 

Leading Professionally Through Tough Times

Seasoned Agriculture professionals may have experienced and navigated tough times. The following discussion on values, mission, vision, technology, and communication includes a few tips for less seasoned leaders to work through our current economic environment.
 

Evaluating Financial Performance and Position

The performance and position of the business should be evaluated using criteria that includes liquidity, solvency, and profitability. OSU Extension Fact Sheet AGEC-790 Evaluating Financial Performance and Position explains the usage of these measures for producers to examine their operation.
 

Oklahoma Wheat Stocker Purchase Planner Decision Aid

The Oklahoma Wheat Stocker Purchase Planner was developed to assist wheat stocker producers project the economic profitability of their wheat stocker enterprises. With user-supplied data, the program projects returns from various purchase weights of stocker calves.
 

Examining Trends in Liquidity for a Sample of Kansas Farms

This article examines differences in liquidity for Kansas Farm Management Association (KFMA) farms with continuous data from 1996 to 2015. Farm types represented in this sample of farms include crop farms, crop/beef farms, and beef farms.
 

Upcoming Events

August 4-5: Statewide Conference for Women in Agriculture and Small Business, Oklahoma City, More Information

Lenders may sponsor a scholarship for customers to participate in this conference. If interested, More Information

October 21: Rural Economic Outlook Conference, Stillwater, More Information

Do you know?

Are you taking steps to foster a bank culture that is aligned with the vision, mission, and core values of your institution? Steps can be taken to cultivate a desired bank culture. One step is to regularly communicate bank values from the top. Make it clearly known to everyone at the institution what kind of behaviors are valued and acceptable. Mentoring and investing in employees is another opportunity to transmit the bank culture to new employees and future leaders of the organization. Give employees the opportunity to make decisions that are compatible with the bank’s core values. Institute performance measures that recognize actions that are compatible with the bank culture. Ensure that incentives reward behaviors which complement the bank culture and create value for your institution.
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