LEADER APRIL 2019
MESSAGE FROM THE PRESIDENT It’s a new year and our Leader has a new look! With an ongoing movement away from print material and towards electronic media, we’ve developed a more compact Leader with articles easily accessible to readers. The change will also allow us to leverage other electronic platforms at a greater level. The shift from print to electronic media is a result of disruptive innovation. When innovation creates a new market and disrupts or displaces the established market, it’s called disruptive innovation. Personal computers started this shift while the tablet and smart phone accelerated the trend. Other examples of disruptive innovation familiar to many would be film photography to digital imagery, bricks and mortar retail to e-commerce and, more recently, cable to streaming video. Keeping up with changing technology and an eye on the disruptive innovation happening in your industry space is paramount to the success of any business.
BRIAN RICKER
Disruptive innovation and technological changes were topics at our annual board and management planning meeting last year. Pictures comparing New York City’s Fifth Avenue, thirteen years apart, demonstrated how quickly massive change can happen. The first picture was of an Easter Day parade in 1900 (the year three of my grandparents were born) showing the street lined with horses and carriages. The second picture taken in 1913, showed only automobiles in the street. Within thirteen years, a massive shift to the automobile occurred. Depending on your age, there is a good chance you’ve seen some massive shifts in your lifetime. I still remember receiving a facsimile machine as a door prize at a work conference in the early 1990’s. I recall showing my father (now 92 years of age) what it could do, and
he watched in utter amazement. At the time, we had a good laugh but admittedly had no idea what the future had in store with the upcoming computer age. It seems these massive shifts are more commonplace today and are occurring at a faster pace. One shift we are seeing in the lending space is the move to more electronic signatures (e-signature) on documents. Recently, I had my tax return completed and I signed off through an electronic process. It was a simple and efficient process compared to the past, when the documents were snail mailed back and forth. In the near future, AgCredit will have more loan documents available for e-signature. Currently, early disclosure notices are the only loan documents available for e-signature. Our goal for later this year is to begin closing electronically (e-close) less complex loans with a longer-term goal of closing all loans electronically. Since the efficiencies of a standard practice for closing loans will likely become the norm, the days of requiring a hand written signature on a loan document could eventually go away. Although there are procedures and other challenges to be finalized, we believe once accomplished, the efficiencies gained will be significant. A common mistake on notes and mortgages is the signature being different from its printed mark. The result is the need for a correction and an inconvenience for everyone involved. An e-closing will help with other common errors as well. Other efficiencies gained will include an electronic archive and storage of executed documents and the ability to retrieve your documents. We are optimistic the advancements in technology surrounding e-signatures and e-closings will give us a pathway to greater efficiency and a better customer experience for everyone. Although we may be a little leery of disruptive innovation at the time it is happening, I think most of us would agree it has improved our lives. It will be interesting to see what the next disruption might bring.
contents JOE LEISER MEMORIAL AGCREDIT, ACA $2,000 SCHOLARSHIP A total of three AgCredit, ACA scholarships will be given for the 2019-20 school year*. Three students currently studying an agricultural curriculum at an accredited four-year school or at an accredited two-year school will each receive a $2,000 award. To be eligible, applicants must be an immediate family member (dependent) of a voting stockholder of AgCredit, ACA with a current loan. At the time of application the student must be attending a post-secondary school majoring in an agriculture-related subject. Graduating high school seniors are not eligible to apply.
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The selection committee will consist of three current board members of AgCredit, ACA. They will review all complete applications and choose the three recipients. No interviews will be conducted. The process will be completed by July 31, 2019.
AGCREDIT LEADER APRIL 2019
Application Deadline is June 30, 2019. • Applications can be downloaded at AgCredit.net • Children of current employees or directors of AgCredit, ACA, are not eligible for this scholarship. • Previous recipients of scholarship funds are not eligible to re-apply. • Previous applicants (who have not received scholarship funds) may apply every year they are eligible. • The scholarship is to be used to pay education-related expenses and will be issued in the form of a joint check with the school. • Applications must be postmarked on or before June 30, 2019. Mail to: ATTENTION: Karen Welter AgCredit, ACA | 610 W. Lytle St. | Fostoria, OH 44830 *The scholarship selection committee reserves the right to reduce or expand the number of scholarships awarded based upon the number of eligible and complete applications received.
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FIELD NOTES: 4 HABITS OF AgriPOWER GRADUATES FARM BUSINESS ENTITIES: USE THEM OR LOSE THEM LEGISLATIVE UPDATES CROP INSURANCE TIPS WHAT IS MY CREDIT SCORE? AROUND AGCREDIT REMINDER TO VOTE AGCREDIT MISSION FUND
PRESIDENT - Brian Ricker BOARD OF DIRECTORS Scott Schroeder, Chairman Gary Baldosser, Vice Chairman Deborah Johlin-Bach David Conrad Jerry Layman Daniel Rengert Dustin Sonnenberg David Stott, Ph.D. Michael Stump Michael Thiel EDITOR - Kayla Laubacher Address changes, questions, comments or requests for copies of our financial reports should be directed to AgCredit, ACA by writing 610 W. Lytle Street, Fostoria, OH 44830, or calling 800-837-3678. Our financial reports can also be obtained on our website: www.agcredit.net. IMPORTANT DISCLOSURE We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. WHISTLEBLOWER INFORMATION Reports of suspected or actual wrongdoing can be made anonymously and confidentially through the SpeakUp Whistleblower hotline or online. All information submitted to SpeakUp is taken seriously and investigated thoroughly. WHISTLEBLOWER HOTLINE WITH SPEAK UP: 1-844-850-6494 (24 hours a day, 7 days a week) WHISTLEBLOWER ONLINE REPORTING: http://speakupAgCredit.intercedeservices.com We are an Equal Opportunity/Affirmative Action Employer. We recruit, hire, train, and promote individuals without regard to race, religion, color, sex, national origin, age, disability, sexual orientation, parental status, marital status, political affiliation, military service, or any other non-merit based factor.
4 HABITS OF AGRIPOWER GRADUATES It’s hard to believe I was attending AgriPOWER five years ago! Hi there-- I’m Libby Wixtead, an Account Officer from the Marion Branch and an AgriPOWER graduate from class VII. I wanted to share four habits from past graduates and encourage you to apply for class XI.
family farm and for our customers at the local, state, and federal level. Many graduates from AgriPOWER have attended Ag Day at the Capitol and have been back to Washington D.C. to voice their opinions on other issues affecting their farms. This program helps give you confidence and tools to promote your farm at all levels of government and on social media platforms.
Get involved and take command! AgriPOWER leaves you fully charged to get involved LIBBY WIXTEAD with your local boards and state committees and ready to take action on issues that are important to you. There are many organizations looking for new leadership and fresh ideas to become more of an impact on their communities. AgriPOWER helped me develop stronger leadership skills to benefit me in my career and community organizations. I have noticed there have been several past participates who have taken on leadership roles within their communities after participating in this great program.
Innovate! AgriPOWER participants have the opportunity to attend an out of state tour to gain an understanding of how other farms operate and their challenges. We toured the state of South Carolina to see a cotton gin, peanut farm and processor, and a peach and pepper farm. After attending this trip, many of us had a different perspective of issues American farmers are facing in different areas of the U.S. We also learned new processes and gained ideas to bring back to our farms and businesses.
Get connected! AgriPOWER gives you the opportunity to network with other farmers and ag professionals from all walks of life. You not only get to network with your current class, but they also have a strong alumni night to network with past graduates. I was just starting in my career when I attended AgriPOWER and the networking opportunities helped me connect with others across the state to bring fresh ideas to our customers. Agvocate, agvocate, agvocate! We all are passionate about agriculture, our farms and our many years of tradition. AgriPOWER helped me understand how to advocate for my
I highly encourage you to apply for AgriPOWER and take a leap outside your comfort zone to build self-confidence, create advocacy skills, and make some lifelong connections. Ohio Farm Bureau Federation is currently taking applications for AgriPOWER Class XI until April 19, 2019. For more information, please visit Ohio Farm Bureau’s website at ofb.ag/agripower or contact Melinda Witten 614-519-8761 or mwitten@ofbf.org.
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AGCREDIT LEADER APRIL 2019
FIELD NOTES:
I’m excited to introduce “Field Notes” to the Leader! This column will feature a new author each issue sharing their love of agriculture with you from a different perspective. I hope you enjoy the new version of the Leader! Kayla Laubacher, Editor
FARM BUSINESS ENTITIES: USE THEM OR LOSE THEM
AGCREDIT LEADER APRIL 2019
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RYAN CONKLIN
Business entities are a very common succession planning tool for farm families. A business entity, such as an LLC, can help accomplish a number of goals, including liability protection, probate avoidance and transition management. While incorporation can be a helpful move, if you don’t use it correctly the business may not accomplish your goals.
Some banks also require a banking resolution to assign authorized signers.
Here is a short checklist for using your farm business correctly:
Liability Insurance: Your farm liability and property insurance policies should be in the name of your business. Alternatively, you can list a business entity as an additional insured on your policies. Also, since your liability insurance is your primary form of liability protection it would be worthwhile to check with your insurance agent about the proper amount of coverage.
Operating Documents: This is a very important step that oftentimes is skipped. Some operations will register their business with the Secretary of State, and that’s it. This avoids the most important part of a business: governing documents. When you create a business, make sure you get a good operating agreement, partnership agreement or set of bylaws. Taxes: After you create a business and execute governing documents, your business may need to select a tax structure and apply for an EIN. Once you have an EIN, the IRS will expect that business to file a tax return. Some business types, like an LLC, do not pay taxes yet are still required to file an informational return. Note, not all businesses need an EIN. Talk with your attorney or accountant about the EIN or tax problems for your business. Bank Account: Once you have an EIN, the next step is setting up a bank account. Your bank will likely require a copy of your EIN confirmation letter, Secretary of State certificates, and other business documents to create the account.
Business Assets: Now that you have a business bank account, you should use that account to purchase future business assets. Assets such as trucks, trailers, equipment even farmland should be purchased by the business using its account, not by the business owners. Also, when you create the business, make sure all assets you want to use in the business are properly added to the new company.
Remember, actually creating a business is only the first step. The next step is operating the business legitimately. Although a business can require quite a bit of management, it is necessary to ensure potential liability is under control. Don’t worry, if you haven’t created a formal business for your farm it doesn’t mean you’re doing it wrong. Plenty of farms successfully operate as a sole proprietorship or informal partnership because either one can meet their goals. However, if you have created a business for your farm, make sure you use it correctly or you could lose some of the important protections. For questions about your farm business, contact your attorney or accountant.
farmcreditexpress.com
What’s Your Favorite Color?
Farm Credit EXPRESS, an equipment financing program offered by Farm Credit, is available at many local dealerships. Financing is available for farm equipment, irrigation systems, equine and ag commodity trailers. The program offers great features including: • Competitive rates and flexible terms on new and used equipment • Easy application process with approval decision within minutes • Fixed rates available with no prepayment penalties • Financing for up to 100% of equipment sale price • Farm Credit Express loan is booked to your local branch • The opportunity to share in AgCredit’s profit-sharing patronage program For more information, contact David White, AgCredit’s Farm Credit Express relationship manager, at 419-435-7758 extension 1602 or visit www.farmcreditexpress.com.
A.G. Irrigation Edgerton
Haar Brothers Gibsonburg
Polen Implement Elyria
A.N. Farm Equipment Shiloh
Holgate Implement Sales Holgate
Randall Brothers Holgate
Anderson Tractor Supply Bluffton
Homier & Sons Continental, Payne
Bay Tractor & Turf Gibsonburg
Independent Ag Bellevue
Redline Equipment Archbold, Bellevue, Bowling Green, Ottawa and Sherwood
Born Implement Amherst
Krystowski Tractor Sales Wellington
Buckeye Application Continental
KW Farms Upper Sandusky
Burkhart Farm Center Bucyrus
MH Eby West Jefferson
Dan’s Truck Sales Perrysburg
Nathan Frey Farm Equipment Upper Sandusky
E & R Trailer Sales & Service Middle Point North Central Ag New London Evolution Ag Upper Sandusky Northwest Tractor Co. Ottawa Findlay Implement Co. Findlay Norvin Hill Machinery Greenwich George F. Ackerman Company Paul Martin & Sons Curtice Napoleon Green Field Ag Gibsonburg
Peters Used Equipment Pemberville
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Rodoc Sales, Service & Leasing Delphos Sensenig Ag Equipment Greenwich Steiners Equipment Sales and Rental Shiloh Tawa Equipment Ottawa Tiffin Ag & Turf Tiffin Wood County Implement Bowling Green Wyandot Tractor Upper Sandusky Wellington Implement Ashland, Wellington
AGCREDIT LEADER APRIL 2019
Whatever color equipment you choose, Farm Credit EXPRESS can finance it quickly and easily.
LEGISLATIVE UPDATES
AGCREDIT LEADER APRIL 2019
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DAVID WHITE
When your job title includes “government relations” you often receive questions like “will we be able to get anything through this Congress?”
be even stronger for more forthcoming issues. If you’d like to participate in our grassroots efforts, all you need is a mobile phone to text CREDIT to 52886 and then follow the link to the sign-up page.
Not to oversimplify, but it may be more challenging than ever, particularly when you consider the two main political parties are growing farther apart. Over the past several years, the partisan gap has expanded on six key issues: power of the federal government, immigration, gun control, global warming, health care and protecting the environment versus developing energy.
This past January, I had the opportunity to mark something off the bucket list by attending the Top Producer Summit. The opening presentation of the business conference posed this question to the audience: What are successful farming operations doing that you should be doing? Are you addressing personal characteristics, farm structures and opportunities in production agriculture?
Factor in that this will be the most diverse Congress ever and recent polls show unfavorable approval ratings for the big three in DC — President Trump, Speaker of the House Pelosi and President of the Senate McConnell — it appears you have a recipe for a perfect storm. It’s not time to grab the sandbags yet. One of the top priorities for the Farm Credit Council and AgCredit will be educating new members of Congress and increasing grassroots power. This past January, the Council worked with Three Farm Credit association CEOs to provide updates on current credit conditions and the general farm and agricultural economy. These updates were provided to Congressional staff, Secretary of Agriculture Sonny Perdue, White House staff who serve on the National Economic Council, members of the ag media, and farm and commodity organizations. Specific issues addressed included low commodity prices impacting grain producers, the dairy sector across the country and stressed producers from consecutive years of weather disasters in parts of the country. Briefings such as these provide an important opportunity and demonstrate to key Washington audiences how Farm Credit System institutions, like AgCredit, are working proactively to find the best possible outcome for their customers facing financial challenges, stress and difficulties. Increasing grassroots power is a goal this year for the Farm Credit System. It was very effective during last year’s Farm Bill debate and we’ll need to
Here are just a few of the personal characteristics discussed and identified by the presenter regarding successful farming operations: • They are incessantly curious – not afraid to ask questions, curious about all things. • They are a networker – always learning from others, not afraid to start a conversation and ask questions. • They are a manager – not necessarily a “doer” in the traditional sense. You become a “doer” by managing people, finances, and relationships and develop strategy. You should think like a CEO. • They take time to think, study and analyze (all three). • They think strategically – thinking about this year and beyond, what are the organization’s long term goals and objectives? • They tend to be financially savvy – analyze investment in productive assets, eliminate non-productive assets, analyze and know costs. • They are good at marketing and sales – traditional commodity marketing, as well as being able to see the advantages of doing business with our farm business. • They are not afraid of making change – many are early adopters and look for ways to improve results.
Enter our 2020 Calendar Photo Contest! GIVE US YOUR BEST SHOT! Our 2020 Calendar Photo Contest is now open. Visit AgCredit.net to read the guidelines and submit your photos. Submissions will be accepted until June 30, 2019.
AgCredit.net
CROP INSURANCE TIPS
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BY THOMAS MILLIGAN
2018 was a year that will be remembered for quite a while — and not necessarily in a good way. There were a number of comparisons to 1972, when the harvest was also severely delayed. Fortunately, the RMA allowed latitude with crop insurance companies by granting harvest extensions for claims. The 2018 Farm Bill was approved with several components that affected crop insurance. Here are some of the more impactful changes:
2020 crop year. Most producers elected ARC in 2014 because of higher commodity pricing of the preceding years. The new program should be more flexible by allowing annual changes. High Risk Land Only a few counties have any land still classified as High Risk. That typically means the ground is susceptible to excess water.
Multi-County Enterprise Unit (MCEU) Most producers are aware a large discount may be available if all their farms are aggregated into one ‘enterprise’ unit (EU). This new discount may help producers that have enough land in one county to qualify for the EU discount, but only one small farm in the next county that would never qualify for the discount. The MCEU discount may now help the rate. Supplemental Coverage Option The previous Farm Bill allowed farmers to select either ARC or PLC at their local FSA. Once the election was made, it was fixed until the next Farm Bill. This year you can change your selection at FSA for the 2019-
877-386-2991 The Thomas Milligan Insurance Agency is an equal opportunity provider.
AGCREDIT LEADER APRIL 2019
“I would rather be on my farm than be emperor of the world” — George Washington
AGCREDIT LEADER APRIL 2019
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WHAT IS MY CREDIT SCORE? Today, credit scores are a hot topic because score factors into more than just a loan approval. The most common questions we receive regarding credit scores are the following: • What is a good credit score? • What is my credit score? • What can I do to improve my credit score?
MANDY STACY
Your credit score is a measure of how well you handle credit and is a way of determining how much risk is associated with lending to you. Credit scores range from 300 to 850. Here at AgCredit, we require a minimum credit score of 680 and consider anything above 750 as excellent! The chart above illustrates how a credit score is formulated, with the most weight being placed on payment history. Simply making your payments on time will boost your score. The next category, carrying 30% of the formula, is on your amounts owed. 15% on length of credit history, 10% on new credit and 10% on types of credit used. It is good to have a credit card (or cards) open; however, you must manage that account wisely to achieve the highest score possible. Paying your account timely each month, along with never having a balance greater than 30% of the credit limit, is a must. With length of credit history factoring in, it is a good idea to leave accounts open
for a period of time. It is never good to open a number of new accounts all at once as it will hurt your score. It is good to have different types of accounts because this allows you to demonstrate that you can handle different types of credit. If your credit score has dropped, you can correct the issues. As outlined above, the most important thing is making all payments on time and paying down any revolving balances to less than 30% of the credit limit. If you have any collection accounts (including medical) or public records, it is your responsibility to contact the credit bureau for those to be removed upon satisfaction. Do not assume that the creditor is contacting the credit bureau. If you have not had your credit report pulled in the last 12-18 months, it is a good idea to review your credit report through each of the credit bureaus — Equifax, Experian and Transunion — by using www.annualcreditreport. com. You can pull your report once a year free of charge. This site will not provide your score; however, it does allow you to view your report for accuracy. Credit scores and credit reports not only factor into loan eligibility, they can also affect your interest rate on any type of financing, insurance rates, and even new employment. Employers may review your credit history in making hiring decisions. Keep those bills paid on time, follow the credit score formula and you will have extra money for savings!
AROUND AGCREDIT
It’s your land. You should choose who inherits it. It’s your land.
It’s your land. It’s your land. You should choose Land As Your Legacy You should choose It’s your land. who inherits it. www.nationwide.com/yourland who inherits it. You should choose Land Your whoAs it. Land Asinherits Your Legacy Legacy
WELCOME NEW EMPLOYEES
®
® ® ®
JONATHAN FECK
TRACEY MCCLAIN
ADAM MCGINNIS
Joined the Findlay team as a Loan Processor in November.
Began his career with the Bucyrus team as an Account Officer Trainee in November.
KELSEY SALYER
BRENNA FINNEGAN
STUART SMITH
Joined the Marketing team as the Marketing Assistant in November.
Began her career with AgCredit as an Account Officer in Norwalk in December.
Joined the Findlay team as an Account Officer in November.
Land As Your Legacy
www.nationwide.com/yourland www.nationwide.com/yourland Land As Your Legacy® www.nationwide.com/yourland www.nationwide.com/yourland
Joined the Norwalk team as an Account Officer in January.
RETIREMENTS Kathy Schnipke, Ottawa Branch Manager, retired January 31 after 36 years of service.
BILL EIRICH
WE HAVE YOUR NEEDS COVERED! • Custom Seed Blending • Solvita Soil Health Kits Conservation Agriculture
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AGCREDIT LEADER APRIL 2019
KATHY SCHNIPKE
Bill Eirich, Chief Appraiser, retired March 31 after 40 years of service.
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AROUND AGCREDIT
Stay Connected with us!
SERVICE AWARDS 5 YEARS
ALEIGH DANIEL
MARIA HOEPF
JOHN HUNTER
JORDAN HUNTSMAN
5 YEARS
NICOLE LUCAS
KAYLA LAUBACHER
DANA LAWRENCE
10 YEARS
BRANDY MCKINNEY
MICHELLE COLLINS
10 YEARS
JESSICA COOLEY
BARBARA DIEBLER
MELISSA STEPHAN
15 YEARS
CONGRATULATIONS 10
AGCREDIT TEAM
AGCREDIT LEADER APRIL 2019
MEMBERS ON YOUR MILESTONE ANNIVERSARIES! JENNIFER STIRM
HUGH STORER
20 YEARS
JOEL ALTHAUSER
JEREMY BREWER
PHYLLIS BUTLER
40 YEARS
CALENDAR April 19 Closed for Good Friday May 27 Closed for Memorial Day July 4 Closed for Independence Day DEAN RECKER
CONSTANCE RUTH
VICKI BAKER
Driver’s License Reminder! Ohio has implemented changes for reissuing driver’s licenses. When you renew your license, you will need your existing license and documents to prove Ohio residency such as: Birth Certificate or Passport, Social Security Card, W-2, or 1099 Form, Two documents with a name and address like a recent invoice or banking statement and For full list of documents see the Ohio Dept. of Public Safety Bureau of Motor Vehilces website at www.bmv.ohio.gov
Marriage License if your name has changed
Please note: AgCredit will need a copy of your new driver’s license after you receive it.
REMINDER TO VOTE As a stockholder in this member-owned cooperative, I urge you to take an active part by participating in our upcoming elections. You will receive your ballot by mail within 10 days after the Annual Meeting. Please follow the ballot casting instructions and mail your vote back to the association prior to the established deadline. Your mailing envelope must be signed by the named member in order for your vote to be counted. We appreciate your participation in one of the elements that sets your cooperative apart from the rest—AgCredit, ACA Stockholders determine their own governance by electing their peers to the Board of Directors.
Your Board and Management Team have always believed in this simple observation: “Who better than farmers themselves know what farmers need?” Your vote supports this concept. Thank you for supporting your cooperative.
Brian J. Ricker, CEO
AGCREDIT LEADER APRIL 2019
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PRSRT STD US POSTAGE 610 W. Lytle Street Fostoria, OH 44830
NOW ACCEPTING
MISSION FUND APPLICATIONS! AGCREDIT IS EXCITED TO BE ACCEPTING APPLICATIONS FOR THE 2019 MISSION FUND. GRANTS WILL BE AWARDED ON AN APPLICATION BASED SYSTEM WITHIN FOUR FOCUS AREAS—EDUCATION, ENVIRONMENT, TECHNOLOGY AND QUALITY OF RURAL LIFE. ORGANIZATIONS CAN APPLY FOR UP TO $15,000 PER YEAR. APPLICATIONS WILL BE ACCEPTED UNTIL AUGUST 31, 2019. VISIT AGCREDIT.NET FOR MORE INFORMATION AND TO APPLY.
PAID
COLUMBIA SC PERMIT 1160