ABA Banking Journal - November/December 2016 - 40


FEATURE

> AGRICULTURAL BANKING

How Does Your Ag Bank Measure Up?
ABA's Agricultural Banks Performance
Scorecard is a members-only resource
that benchmarks an institution's quarterly
performance of 23 indicators against peer
banks of similar size and agricultural loan
concentration.
The scorecard-which is updated quarterly-
provides five years of historical data, along
with a breakdown of the current quarter's top

and bottom quartile for agricultural banks in the
following asset classes:
* Less than $50 million
* $50-100 million
* $100-150 million
* $150-500 million
* Greater than $500 million.
To learn more, find the scorecard at
aba.com/agbanking.

organization's products have evolved
and continue to evolve to help meet
lenders and their ag customers' specific
needs. (ABA, through its Corporation
for American Banking subsidiary,
endorses Farmer Mac's secondary
market programs and members enjoy
preferred rates. Kerrigan will moderate
a panel discussion of ag bankers
on this topic at the ABA National
Agricultural Bankers Conference in
Indianapolis, Nov. 13-16.)
In the current economic environment,
producers are looking to take advantage
of record-low interest rates and lock
them in for a long duration. "Longer
amortizations and longer maturities
work really well in the commodity down
cycle that we're in right now where
everybody is a little cash-crunched,"
Kerrigan says.
With competition from Farm Credit
and other banks in their footprint,
being able to meet customers'
debt structuring needs is critical.
This is where Farmer Mac and the
secondary market helps banks retain
valuable relationships.
"It's kind of like a win-win for their
customers," Kerrigan says, "getting
long-term fixed rates at record low
yields. And the bank's getting a good
customer that's going to be with them
for a long, long time in a relationship
that will continue to grow through
operating loans, student loans, checking
accounts, auto loans and everything
else banks do for their borrowers."
More immediately, says Koster, is that
Minnwest, through Farmer Mac, can
better position its producers to survive
the current challenging economic times
and to thrive when the cycle turns up
again. "We all know it's cyclical. You've
just got to help them get through the
down times so they can participate in
the good times."
BRIAN NIXON is an ABA Banking Journal
contributing editor.

40 ABA BANKING JOURNAL
| NOVEMBER/DECEMBER 2016
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http://www.aba.com/agbanking http://agamerica.com/bankers http://agamerica.com/bankers

Table of Contents for the Digital Edition of ABA Banking Journal - November/December 2016

Chairman’s View
Upfront
Picture This
Banking’s ‘Amazon Moment’
Special Report on Innovation and Technology
Building an ‘Internet of Value’
Do You Do What the Data Tell You?
Innovation in the Bank
Core Exercises
Cover Story Pillar of Her Community
Maintaining a Commitment to Ag Customers
Who You Gonna Call?
Anti-Money Laundering
Power Up Profile
Compliance ‘When Can I Call My Customer?’
Risk Management
ABA Compliance Center Inbox
From the States
Corporate Social Responsibility
Index of Advertisers
ABA Banking Journal - November/December 2016 - bellyband1
ABA Banking Journal - November/December 2016 - bellyband2
ABA Banking Journal - November/December 2016 - cover1
ABA Banking Journal - November/December 2016 - cover2
ABA Banking Journal - November/December 2016 - 3
ABA Banking Journal - November/December 2016 - 4
ABA Banking Journal - November/December 2016 - 5
ABA Banking Journal - November/December 2016 - 6
ABA Banking Journal - November/December 2016 - 7
ABA Banking Journal - November/December 2016 - Chairman’s View
ABA Banking Journal - November/December 2016 - 9
ABA Banking Journal - November/December 2016 - 10
ABA Banking Journal - November/December 2016 - Upfront
ABA Banking Journal - November/December 2016 - 12
ABA Banking Journal - November/December 2016 - 13
ABA Banking Journal - November/December 2016 - 14
ABA Banking Journal - November/December 2016 - 15
ABA Banking Journal - November/December 2016 - Picture This
ABA Banking Journal - November/December 2016 - 17
ABA Banking Journal - November/December 2016 - 18
ABA Banking Journal - November/December 2016 - 19
ABA Banking Journal - November/December 2016 - Special Report on Innovation and Technology
ABA Banking Journal - November/December 2016 - 21
ABA Banking Journal - November/December 2016 - 22
ABA Banking Journal - November/December 2016 - Building an ‘Internet of Value’
ABA Banking Journal - November/December 2016 - 24
ABA Banking Journal - November/December 2016 - 25
ABA Banking Journal - November/December 2016 - Do You Do What the Data Tell You?
ABA Banking Journal - November/December 2016 - 27
ABA Banking Journal - November/December 2016 - insert1
ABA Banking Journal - November/December 2016 - insert2
ABA Banking Journal - November/December 2016 - Innovation in the Bank
ABA Banking Journal - November/December 2016 - 29
ABA Banking Journal - November/December 2016 - 30
ABA Banking Journal - November/December 2016 - Core Exercises
ABA Banking Journal - November/December 2016 - Cover Story Pillar of Her Community
ABA Banking Journal - November/December 2016 - 33
ABA Banking Journal - November/December 2016 - 34
ABA Banking Journal - November/December 2016 - 35
ABA Banking Journal - November/December 2016 - 36
ABA Banking Journal - November/December 2016 - 37
ABA Banking Journal - November/December 2016 - Maintaining a Commitment to Ag Customers
ABA Banking Journal - November/December 2016 - 39
ABA Banking Journal - November/December 2016 - 40
ABA Banking Journal - November/December 2016 - Who You Gonna Call?
ABA Banking Journal - November/December 2016 - 42
ABA Banking Journal - November/December 2016 - 43
ABA Banking Journal - November/December 2016 - Anti-Money Laundering
ABA Banking Journal - November/December 2016 - 45
ABA Banking Journal - November/December 2016 - 46
ABA Banking Journal - November/December 2016 - Power Up Profile
ABA Banking Journal - November/December 2016 - 48
ABA Banking Journal - November/December 2016 - Compliance ‘When Can I Call My Customer?’
ABA Banking Journal - November/December 2016 - 50
ABA Banking Journal - November/December 2016 - Risk Management
ABA Banking Journal - November/December 2016 - ABA Compliance Center Inbox
ABA Banking Journal - November/December 2016 - 53
ABA Banking Journal - November/December 2016 - 54
ABA Banking Journal - November/December 2016 - From the States
ABA Banking Journal - November/December 2016 - 56
ABA Banking Journal - November/December 2016 - Corporate Social Responsibility
ABA Banking Journal - November/December 2016 - Index of Advertisers
ABA Banking Journal - November/December 2016 - cover3
ABA Banking Journal - November/December 2016 - cover4
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