Barret School of Banking • (901) 321-4000 •


November 13-16, 2023

AG Lending 101

Must haves for successful Ag lenders in today’s Ag Economy, to not only survive but thrive!



Each day is 2.5 hours worth of instruction


Learning Objectives

Barret School of Banking’s Ag 101 Course will convey “must haves” for successful Ag lenders in today’s Ag Economy; to not only survive but to thrive!

And if you are looking for more ag lending content, be sure to check out our quarterly Roundtable or our Ag Lending 201 course.

Ag Lending 101 will cover...

Farm Financial Standards Guidelines and how they set the stage for more accurate financial analysis for the agriculture industry.

Utilizing this knowledge, leads to a discussion about effective and efficient approaches to balance sheets and income statements. Focus will be on the importance of properly defining/categorizing assets and liabilities. The Cost and Market approaches will be compared as well as pointers on how to obtain full and accurate information from customers. Utilizing trend analysis effectively to spot issues with credits is a key part of this discussion.

Cash Flow Analysis with Schedule F tax returns

Ag farm customer’s cash flow is difficult and more so in cases where a farmer carries production over to the next year and sells two crops in one year. You’ll learn how best to analyze these types of operations by employing accrual analysis; an efficient approach to true net profit analysis that takes less time than analyzing a cash tax return.

“Five Powerful Ratios” for effectively analyzing farmer’s operations.

They are a great start (or refresher) if you are increasing ratio analysis in your lending arsenal. Attendees will not only learn how to calculate these ratios but how these ratios can be used to become a more effective lender.

Proper Loan Structuring

Loan structuring do’s and don’ts will be shared, and key structuring tools will be discussed. Tools include term, financing methods/types, repayment, collateral, covenants and monitoring. Attendees will learn how to evaluate loan structure for effectiveness and feasibility; specific techniques for stressed credits; how loan structure impacts an operation’s performance; techniques for monitoring structure implementation; how portfolio performance is impacted by loan structure; and specific mistakes to avoid in the structuring process.

Problem Ag Loan Resolutions

Recognizing and dealing with a problem credit earlier rather than later is key to success. Not all problem loans turn into losses – successful resolution of a problem loan can lead to an excellent customer for life. Learn what has led to problem loans in the past, signs of problem loans, and the problem loan cycle. This is an unpleasant, but realistic part of lending. This session will help you be prepared when it happens.

About the Instructors

Tim Ohlde, CEO of Country Banker Systems

Tim has 36 years of experience in community banking, including extensive agriculture lending and as a rural bank president. He has served on the ABA Ag Committee, The board of Bankers Bank of Kansas and on the Kansas Banker’s Association Ag Committee. Tim brings a love of education to his perspective as a banker. He has taught for 20 years for the Kansas and Nebraska Schools of Banking, the North Dakota School of Banking and the Graduate School of Banking in Boulder Colorado. Tim is a graduate of Kansas State University with a de-gree in Agricultural Education. Tim is married to Deb, who went from an ownership interest to consultant for Country Banker in 2015. He has instilled his love of agriculture in his three boys, Will (also a part time Country Banker staff member), Eli and Nathan. They spend time hunting, tinkering with an antique John Deere, and gardening.

William Ohlde, COO of County Bankers Systems

Will has been with Country Banker since 2017. He has a background as a credit analyst in addition to working with Country Banker, this provides a unique perspective to see both sides of the coin; Building lending software as well as using it. Working with Country Banker provides the opportunity to speak with many banks and organizations in regards to lending and analysis practices. Will currently lives in Clifton Kansas with wife and two kids, free time is spent enjoying family, serving the community and golfing.

Also, thank you to our sponsors for making all of our ag content possible...


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