Indiana Bankers Association
Indiana Bankers Association, 8425 Woodfield Crossing Blvd, Indianapolis, IN 46240, USA

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Event Date Tue Feb 25 EST (almost 2 years ago)
Location Indiana Bankers Association
8425 Woodfield Crossing Blvd, Indianapolis, IN 46240, USA
Region Americas

How can I evaluate loan repayment alternatives for agricultural loans, but do it in a timely and cost-effective manner? The agricultural lending environment has changed dramatically from the 2006-2013 period due to lower commodity prices, but principal payments on term debt for capital purchases made during those more profitable years remain. The result is varying degrees of financial stress among agricultural borrowers. A review of the financial information needed to make informed decisions and a spreadsheet that can be used to evaluate repayment alternatives will be covered during this workshop. The effectiveness of changes in operating strategies and loan terms on repayment capacity and breakeven are evaluated for different financial leverage situations, using that spreadsheet. Join us for a day focused on which changes are effective and which ones are not during this latest period of farm financial stress.

• Introduction, Current State of Farm Financial Reporting in Agriculture
Practical Exercise 1
• Balance Sheet
Practical Exercise 2
• Deferred Taxes-Review with Emphasis on Tax and Other Expenses
Practical Exercise 3
• Accrual-adjusted Income Statement
Practical Exercise 4
• Statement of Owner Equity
Practical Exercise 5
• Cash flow Statement
Practical Exercise 6
• Financial Ratio Analysis
• Breakeven Analysis and Evaluating
• Problem Loan Indicators and Chapter 12 Bankruptcy

Who should attend?
This seminar will be valuable for entry-level agricultural loan officers and credit analysts who have less than 5 years of experience.


2020 Speaker

Freddie Barnard
Professor in the Department of Agricultural Economics, Purdue University