2014 FCW Winter Spotlight

spotlight

Winter 2014

CALIFORNIA AGRICULTURAL LEADERSHIP PROGRAM PAGE 4 EL AGUA ES ASUNTO DE TODOS

PREFERRED STOCK

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spotlight WHO WE ARE One of California’s leading agricultural lenders, Farm Credit West is a cooperatively-owned lending institution providing financial services to farmers, ranchers, and agribusinesses with offices located in the California Central Coast, Southern San Joaquin Valley and Sacramento Valley.

SPOTLIGHT is produced for the customers, employees and friends of Farm Credit West. Comments and story ideas can be submitted to the Marketing Department, Farm Credit West, 1478 Stone Point Drive, Suite 450, Roseville, CA 95661.

BOARD OF DIRECTORS Blake Harlan, Chairman of the Board .........................Woodland, CA Joey Airoso, Vice Chairman of the Board ...........................Pixley, CA Robert Amarel, Jr. ........................................................Yuba City, CA Alben F. Barkley ..............................................................Oxnard, CA Gregory O. (Butch) Dias, Jr. .............................................Visalia, CA Richard J. Enns ..........................................................Bakersfield, CA Douglas C. Filipponi ......................................................Creston, CA Adam B. Firestone .........................................................Buellton, CA Craig C. Gnos ....................................................................Davis, CA Robert N. Hansen ......................................................... Hanford, CA Thomas R. Heenan ......................................................Yuba City, CA

TA B L E O F C O N T E N T S President’s Message. . .................................... 3 California Agricultural Leadership Program.......... 4 El Agua Es Asunto De Todos ....................... 5 Board Members and CEO Become NACD Fellows .............................. 5 Financial Highlights....................................... 6 Preferred Stock Status.................................. 7 Interest Payments......................................... 7 Community Center.. .................................. 8 – 9 •

Educating People Around the World

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Yolo County Farm Bureau Farm to Table Dinner

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Len’s Troops

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Growing Possibilities

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Farm Credit West Scholarship Program

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The Great AGventure

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Events Calendar

Producers That Thrive...................................10 Giving Thanks.............................................. 11 Holiday Schedule......................................... 11

Mission Statement Farm Credit West will ensure THE CUSTOMER

Barry Powell .............................................................Sacramento, CA

COMES FIRST by providing superior service

Edgar Terry .....................................................................Ventura, CA

at competitive rates, in a timely, professional

Sureena B. Thiara ........................................................Yuba City, CA

and ethical manner.

Cornelius (Case) Van Wingerden .................................Carpinteria, CA

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Winter 2014

PRESIDENT’S MESSAGE Mark Littlefield, CEO

We’re here for you, especially when you need us the most…

Farm Credit West understands the cycles of agriculture.

With over 98 years of unwavering commitment to agricultural lending we ensure that our borrower-owners have access to credit and related financial services to meet their needs today and in the future. Farm Credit West is committed to helping you better prepare your business for the ups and downs that result from economic and agricultural cycles, unforeseen weather impacts, commodity price volatility, supply and demand imbalances, and governmental policy. At Farm Credit West, we are committed to our promise to be there with you not only in the good times but also when you need us the most.

As we go through this current drought crisis, your association continues to take action to support initiatives and programs which will have a positive impact for one of your most essential agricultural needs, water. The first of these actions directly supports you. Beginning in September 2013 we implemented the Irrigation Stewardship Loan Program. The program offers a low cost way to help ensure efficient and environmentally sound water usage by financing projects intended to provide adequate sustainable irrigation, production and processing water supplies.

Many of you have utilized our program and we’ve received over 165 inquiries for loans or leases. We are proud to have provided

over $20 million in loans with another $13 million in progress under this program. Our Irrigation Stewardship Loan Program is available through December 2015.

At the state level, Farm Credit West partnered with other California Farm Credit associations and CoBank, through the Farm Credit Alliance, to support three outreach and education programs revolving around water and food in 2014.

1. The Alliance provided $50,000 to the California Farm Water Coalition to support outreach on water and food as it relates to the Proposition 1 Water Bond.

2. El Agua es Asunto de Todos, Water is Everyone’s Business, is the second outreach program the Alliance supported by providing $100,000. The El Agua campaign consists of outreach to the Spanish speaking community through a directed media campaign. More information on this unique El Agua program can be found later in this newsletter.

3. The Farm Credit Alliance also pledged $100,000 to California food banks to alleviate hunger in drought-stricken farm communities throughout California.

At a national level, Farm Credit West has been the catalyst in bringing together 12 Farm Credit associations from across the nation as well as several other influential agricultural organizations, in support of a fair and balanced approach to the enforcement of the Endangered Species Act. Farm Credit West and these organizations have filed an amicus brief in support of a petition to the U.S. Supreme Court seeking a review of the Ninth Circuit Court of Appeals ruling on the Delta smelt issue.

Farm Credit West will continue to look for opportunities to support the interests of farmers and ranchers both at the local level and across our nation.

We have been able to keep our promise of being a reliable lending source to agriculture because of our strong capital levels, loyal customer base, and experienced staff that understands, “THE CUSTOMER COMES FIRST.” After all is said and done, agriculture is all we do.

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spotlight

Class 45 at their inauguration seminar in October: Front row (L to R) Justin Spellman, Devon Yurosek, Cameron Mauritson, Yvonne Sams, Cori Davis, Stephanie Gonzales, Jane Roberti, Abby Taylor-Silva, Lauren Reid, Derek Azevedo, Ty Heusser, Tou Her. Back row (L to R) Lucas Espericueta, Rick Rhody, Brad Lindemann, Chris Jensen, Rob Goff, Matt Efird, Jason Schwartze, Ravi Thiara, Jeff Milinovich, Stanley Kjar, Brian Neufeld and Justin Morehead

California Agricultural Leadership Program On October 16, 2014, twenty-four individuals were inaugurated as fellows into Class 45 of the California Agricultural Leadership Program. This year’s class includes Ravi Thiara, spouse of Farm Credit West Board Member Sureena Thiara, and Farm Credit West Loan Officer Lucas Espericueta, plus several Farm Credit West customers or employees of customers.

Through dynamic seminars during an intensive 17-month program, fellows will study leadership theory, effective communication, motivation, critical and strategic thinking, change management, emotional intelligence, and complex social and cultural issues.

“The complex challenges facing agriculture and society point to the ongoing need for strong, engaged and visionary leaders who can make a difference,” said Bob Gray, President and CEO of the California Agricultural Leadership Foundation. “Our newest fellows will use the leadership skills and lessons they learn in the program to benefit agriculture, their businesses, organizations and communities.”

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As a member of the Farm Credit Alliance, Farm Credit West has supported the California Agricultural Leadership Foundation for over 20 years both in financial contributions and community involvement.

“Many of our customers, past and current board members, and employees are graduates of this program,” said Mark Littlefield, President and CEO of Farm Credit West. “Our communities and association continue to benefit from the experiences and tools that each program alumni receives and utilizes.”

Applications for Class 46 will be available in January, 2015.

Visit www.agleaders.org for additional information on the Foundation and programs.

Winter 2014

El Agua Es Asunto De Todos “We are thankful to have partners such as Farm Credit, who recognize the importance of water education coupled with empowerment outreach within the Spanish speaking community,” said Grant Craven of Craven Farming Co, a founding member of the project and a Farm Credit borrower-owner. “We are able to reach more Latinos with the financial support of Farm Credit.”

To view the television commercials used in this project visit www.AguaAsuntoDeTodos.com.

The El Agua es Asunto de Todos, Water is Everyone’s Business, project has expanded throughout the state and continues to resonate with its Latino audience. The Farm Credit Alliance’s generous contribution of $100,000 has resulted in successful El Agua media campaigns in Central California, Southern California, and the Bay Area.

This educational, media-driven effort is focused on informing California’s growing Latino population about water issues. Latino’s make up 40% of California’s population and it is imperative to educate Latinos on agricultural issues such as water. The ads initially began running in the Fresno and Bakersfield media markets earlier this year.

Mark Littlefield, President and CEO of Farm Credit West said, “Water is everyone’s business and Farm Credit is honored to support this unique and successful project. California’s demographics continue to evolve and we must be creative and proactive in reaching members of our communities.”

Recent polling found: • Over 90% of Latinos surveyed in the Central Valley recall the El Agua ads and recognize the importance of the water issues in California • 80% of Latinos surveyed in the Southern California market recall the El Agua ads and also recognize the importance of California’s water issues.

In both of these markets the ads were received positively.

In September, the El Agua ads began a 9-week run in the 11 counties of the Bay Area. The El Agua project anticipates the same successful awareness and recognition results that we’ve seen in other regions.

It is the project’s intention to continue raising funds to deepen and expand this media effort throughout the state.

Martha Rosas, General Director of El Agua Es Asunto De Todos, states in this video, “Nothing is more important to our state than water.”

Board Members and CEO Become NACD Fellows The National Association of Corporate Directors (NACD) recently announced that Farm Credit West Directors Joey Airoso, Al Barkley, Gregory (Butch) Dias, Richard Enns, Douglas Filipponi, Adam Firestone, Craig Gnos, Blake Harlan, Thomas Heenan, Sureena Thiara and Farm Credit West CEO, Mark Littlefield have each become NACD Governance Fellows. This is the highest level of credentialing for corporate directors and corporate governance professionals.

All Farm Credit West Directors are either NACD Governance Fellows or NACD Board Leadership Fellows. As an NACD Fellow, they have demonstrated their knowledge of leading trends and practices that define exemplary corporate governance today, and have committed to developing professional insights through a sophisticated source of study.

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spotlight Financial Highlights

$5,737 $5,991 $5,991

$5,576

Diversity of Our Loan Portfolio

$5,991 $6,323

$6,323 $6,638 $6,638

$5,737 $5,737

$5,576 $5,576

One of the financial strengths of Farm Credit West is the diversity of our loan portfolio. While our $7.2 billion asset base is concentrated in loans made to customers in the agricultural and rural sectors of the economy, our loan portfolio is widely diversified by commodity.

The accompanying chart illustrates this diversity.

$6,638

Average Earning Assets (in millions)

Farm Credit West reported net income of $124.9 million for the first nine months of 2014. These year-to-date earnings were ahead of our business plan targets. Also during the first nine months of 2014, our loan volume and capital levels increased. At the same time, we have been successful in reducing nonearning assets to the lowest level in five years.

2010

2011

2010 2010

2011 2011

2012 2012 2012

2013 2013 2013

Sept. 30, 2014

Sept.

Sept. 30, 30, 2014 2014

Average earning assets grew by $315 million, or 5.0% during the first nine months of 2014. The increase was due primarily to higher year-to-date average real estate loan volume. Our average earning assets have reached the highest level in five years.

Loan Volume by Commodity Various Cotton Other Rice 2% Various 5% 2%Various Other Crop Service Cotton Cotton 4% Rice 2% Other5% 2% Rice 2% 5% Crop Service 2% Flowers/Nurery Crop Service 4% Processing 3% 4% 16% Flowers/Nurery Citrus/Avocado Processing 3% Flowers/Nurery 4% 16% Processing 3% Citrus/Avocado 16% Wine 4% Citrus/Avocado 3% 4% Wine Tree Nuts 15% Livestock Wine 3% 4% Tree Nuts 15% 3% Livestock Tree Nuts 15% 4% Livestock Tree Fruit Dairy 14% 5% Tree Fruit Dairy 14% 5% Tree Fruit Vegetables Dairy 14% 5% Field Crops/Alfalfa Grapes 7% 6% 10% Vegetables Field Crops/Alfalfa Grapes 7% 6% 10% Vegetables Field Crops/Alfalfa Grapes 7% 6% 10%

4%

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Return on Assets (ROA) 2.40% 2.36% 2.13% 2.40% 2.40%

1.75%

2.13% 2.13%

1.75% 1.75%

2010 2010 2010

2011 2011 2011

2012 2012

2.39% 2.39%

2.36% 2.36%

2012

2.39%

2013 2013 2013

Sept. 30, 2014 Sept. 30, 201430, Sept.

2014

During the first nine months 2014, return on assets (ROA) increased to 2.39% from 2.36% in 2013. During the first nine month of 2014, Farm Credit West reported net income of $124.9 million compared to $121.7 million for the same period last year.

Note: The ROA for 2011 was calculated without non-recurring CoBank/AgBank merger related transactions that boosted net income by $48 million.

Winter 2014

Updated Customer Survey Keep an eye out for the new customer survey.

In September we updated the look and function of our customer survey. The survey is now a one sheet mailer that includes the survey and functions as the envelope. We value your opinion and our hope with the new design is that you continue to share your opinions. If you have any questions about the survey, please contact your Loan Officer.

Preferred Stock Status The Farm Credit West Preferred Stock program provides customers the opportunity to invest in their association while earning a competitive return on their investment. Over the years, the utilization of the program has grown substantially, to where we currently have $320 million outstanding held by over 500 association stockholders.

You may recall, last year Farm Credit West stockholders voted to amend the association bylaws to increase the number of authorized shares of Preferred Stock from $200 million to $500 million. While that increase positioned the Preferred Stock program to grow with our capital base, the maximum number of shares available for issuance at a given point in time is based on regulatory limits and the Association’s capital objectives.

Under board delegation, association management is charged with establishing the maximum shares available for issuance each month.

When establishing this limit, management takes into consideration Farm Credit Administration regulations which effectively limit Preferred Stock shares outstanding to 25% of our total permanent capital. Management also considers the overall capital objectives established by the board in the association business plan. Currently this limit is set at $320 million.

2014 Interest Payments To help you achieve your tax planning objectives, we would like to remind you of your association’s year-end procedures regarding interest paid on IRS Form 1098.

For payments, the date received is the determining factor.

Payments received by the Association on or before 2:00 p.m. on December 31, 2014 will be reported as 2014 interest paid.

Payments received after that date and time, whether or not they were mailed in 2014, will not be reported as 2014 interest paid.

Payments received after 2:00 p.m. on December 31, 2014 will be processed on the following business day. Consult your tax advisor regarding the deductibility of payments in transit.

For payments made from your Future Payment Funds account, the date applied is the determining factor. If your tax-planning objectives are better met by having the interest portion of your January 1, 2015 installment reported as 2014 interest paid, you must register an early transfer of Funds Held to pay your installment in 2014.

Written requests for early transfer must be received by the Association by December 26, 2014.

As of November 1, 2014, there were 47 purchase requests totaling $26.6 million that were deferred to a future monthly issuance due to the limit of shares available. The amount and timing of future retirement requests from existing stockholders will determine how quickly we can fill the pending requests, which are filled in the order received.

If you would like to know more about our Preferred Stock program, please visit our website at www.farmcreditwest.com under Products & Services or ask your Loan Officer for more information.

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spotlight Community Center

Educating People Around the World With help from the Kern County Young Farmers and Ranchers (YF&R), Farm Credit West member Allen Pierucci hosted a group of 40 retired farmers and ranchers from the United Kingdom to Allen Pierucci (far left) looks on as a group of visitors from the UK visited his cotton educate them about the operation in Buttonwillow, CA. cotton and pomegranate harvest at Julian Pierucci & Son Farms in Buttonwillow, CA. The group was fascinated by the farming methods which differ greatly from how they farm across the pond. Lucas Espericueta, President of Kern County YF&R and Loan Officer for Farm Credit West said, “The Young Farmer and Rancher group feels it is our responsibility as the next generation of farmers to educate people from all over the world on how efficient and productive Kern County Agriculture is and how important we are in the global economy.”

Yolo County Farm Bureau Farm to Table Dinner Farm Credit West sponsored the Yolo County Farm Bureau’s Farm to Table Dinner at the Windmill Vineyards in Woodland, CA to celebrate a century of harvests. The four-course meal included locally sourced food from many Farm Credit West customers. All proceeds from the event go towards Yolo County Farm Bureau Education Corporation providing agricultural education in Yolo County. Farm Credit West Loan Officer Anna Fricke said, “It was a magical evening spent with old friends and new acquaintances enjoying the delicious bounty of Yolo County’s rich agriculture and supporting local agriculture education.”

Len’s Troops

Our team “Len’s Troops” dressed up in camouflage to support Len Monaco, Woodland Portfolio Manager and veteran, during the Walk One Step at a Time 5k.

On October 11th at the Yolo County Fairgrounds, Farm Credit West took part in Walk One Step at a Time, a Multiple Sclerosis (MS) and Parkinson’s Disease team walk. We walked in honor of Woodland Portfolio Manager, Len Monaco along with many other friends and family members that battle these diseases. In support of finding a cure for Parkinson’s Disease, Farm Credit West made a donation of $1,000 to the Michael J. Fox Foundation. The Foundation’s goal is to “accelerate breakthroughs patients can feel in their everyday lives.”

Growing Possibilities

Local produce was on display at the Growing Possibilities forum.

Farm to Table Dinner at the Windmill Vineyards, Frank Muller FCW customer said it best, “Great food, beautiful weather, happy people and a meticulous attention to detail.”

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In September, Farm Credit West helped serve breakfast to 200 people attending the Growing Possibilities forum. Growing Possibilities brought together the Northern Santa Barbara agricultural community as well as many levels of elected officials to recognize, support, and celebrate agriculture and sustainability.

Winter 2014

Community Center

Farm Credit West Scholarship Program New Application Deadline February 15, 2015

2015 Events Calendar January 16-18: CA Women for Agriculture Annual Convention Quality Suites Hotel, San Luis Obispo

Farm Credit West is committed to supporting the role of education in agriculture’s future. For the past 20 years Farm Credit West has provided scholarships to 167 scholars and committed over $615,000 to this program.

January 22-24: CA Holstein Convention Stockton University Waterfront Hotel, Stockton

Scholarship applications are due February 15, 2015. Applicants must be an entering or current college student enrolled in agricultural programs and exhibit academic excellence by achieving a GPA of 2.7 or higher. They must also be a customer of Farm Credit West or the spouse or dependent of a Farm Credit West customer.

January 27: CAWG Annual Dinner Sheraton Grand Hotel, Sacramento

Applications can be found at www.farmcreditwest.com under Community Support. For those of you renewing your scholarship you will need to submit final college transcripts to Farm Credit West

by July 1, 2015. If you have any questions about the scholarship program please email scholarships@farmcreditwest.com.

The Great AGventure Farm Credit West recently sponsored the Great AGventure, where almost 1,200 fourth-graders throughout San Luis Obispo County took a field trip to learn about agriculture. We received written thank you notes from Bauer Speck Elementary. Below are excerpts from some of the thank you notes we received.

• Jaden wrote, “your sponsorship is so very important. The reason it is so important is you taught me how the food gets to our table.”

• Mia wrote, “my favorite part was when we learned about the plants.”

• Jairo wrote, “I learned that agriculture is super important to our survival. I learned so much.”

•

Emily wrote, “thank you for your amazing work…and we hope to do AGventure again.”

January 27-29: Unified Wine and Grape Symposium Sacramento Convention Center, Sacramento

February 3-5: Colusa Farm Show Colusa County Fairgrounds, Colusa February 10-12: World Ag Expo International Agri-Center, Tulare February 18-19: CA League of Food Processors Expo Sacramento Convention Center, Sacramento February 18-20: FCW Young Farmer and Rancher Institute Avila Lighthouse Suites Hotel, Avila Beach February 26-March 1: Farm Bureau Young Farmer and Rancher Leadership Conference Doubletree Arden Way Hotel, Sacramento March 3: CA Agricultural Leadership Reception Senator Hotel, Sacramento March 5: Citrus Mutual Showcase Visalia Convention Center, Visalia March 7-10: CA Small Farmer Conference Marriott Mission Valley Hotel, San Diego March 18-20: Western United Dairymen Convention Tenaya Lodge at Yosemite, Fish Camp March 24: FCW Customer Appreciation Dinner Farm Credit West Templeton/Santa Maria March 25: FCW Customer Appreciation Dinner Farm Credit West Woodland March 26: FCW Customer Appreciation Dinner Farm Credit West Yuba City April 7: FCW Customer Appreciation Dinner Farm Credit West Ventura/Carpinteria April 8: FCW Customer Appreciation Dinner Farm Credit West Kern April 9: FCW Customer Appreciation Dinner Farm Credit West Tulare/Hanford/Dinuba

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spotlight Producers That Thrive Dr. David M. Kohl Professor Emeritus, Virginia Tech

The other day during my West Coast road travel, a producer asked a very interesting question.

“What will it take to thrive in an economic environment where there appears to be a surprise around every corner?”

Later that day on a redeye flight back to the East Coast, I was reading the financial section of the Wall Street Journal, and a quote by Mike Tyson, the boxer, really stimulated my thoughts. “Everyone has a plan until they get punched in the mouth.” I am not a big Tyson fan, but his quote is appropriate for the grain industry as the punch of lower commodity prices has moved front and center. The livestock industry is just the opposite, with the industry in high gear. Regardless of where your industry is in the economic cycle, how can your business not just get by, but thrive?

First out of the gate, businesses that thrive build a strong, productive asset base which includes land with access to water along with machinery and equipment that is efficiently used. If you are engaged in the livestock or crop industry, productivity and quality with an emphasis on marketing and risk management are very important.

Remember, it is not always about receiving the highest price, but whether you are profitable at a given price.

An assessment of the human resource component of your business and suppliers is critical. Many businesses that thrive hire for attitude and train for aptitude. They shed those who are victims expecting entitlements and know-it-all’s who have forgotten how to learn. A high quality workforce that quickly adopts innovation will elevate the performance of your business in the long run.

Producers that thrive will have financial records that talk to the business. That is, regardless of whether they are audited statements, electronic, or hand-written, knowing the cost of production, but more specifically cost by enterprise, can help one allocate limited capital and labor to its highest and best use in a sustainable manner over time. This is an excellent practice to help withstand economic cycle shocks.

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Another subtle element of businesses that thrive is moderation of owner withdrawals or dividends from the business. Examination of the farm financial record data finds a $60,000 to $80,000 difference between the living withdrawals of the top one third versus the bottom one third of farm and ranch families in the database. Taking modest withdrawals from the business directly impacts repayment ability and liquidity. Another practice of those that thrive is to go light on nonfarm capital expenditures. In good economic times, there is a tendency to splurge on unproductive asset items, such as vacation homes and different types of recreational vehicles which can be a drain on cash flow.

There is a saying related to economic cycles and business that in the good times the cycle is analogous to climbing stairs, but the down part of the cycle is like going down a rapidly descending escalator! To counter this, businesses that thrive have strong working capital reserves as a financial shock absorber. Analysis of the farm financial record data finds that farm businesses that thrive have 40 percent plus working capital to revenue and a current ratio exceeding three to one. Contrast this to those that are on the bottom with very little working capital to revenue, usually less than 10 percent of revenue, or a current ratio less than one to one.

A demonstrated ability to build working capital in the upward part of the economic cycle is critical. This particularly applies to those businesses carrying a high amount of financial leverage and young, beginning farmers and ranchers.

Is your business profitable? This should not necessarily be determined from a tax standpoint, which often is designed to show losses to minimize taxes. Analyzing adjustments made for accrued income and expenses, such as inventory, receivables, prepaid expenses, crops growing in the field, and payables, can show a more accurate picture of profitability. When this analysis is complete, is the return on assets greater than the interest rate on debt and the long-term inflation rate, which is historically about four percent? Exceeding these metrics allows one to build earned net worth or retained earnings.

Finally, businesses that thrive have people who are good communicators, not only within the business, but with suppliers and lenders as well. They are good listeners who follow the HUT principle: Hear, Understand, and Take Action. That is, they hear what is being said, understand what they hear and how it impacts their business, and they take action, monitor and accept accountability.

This winter as you conduct planning either in your own mind or with your business team, ask yourself if you have what it takes to thrive in the roller coaster economy.

Winter 2014

Giving Thanks Farm Credit West along with many other Farm Credit Associations and the four Farm Credit banks published this advertisement in USA Today on November 26, 2015. The advertisement expresses our continuing gratitude to our nation’s farmers and ranchers for producing the bountiful food that Americans enjoy each year on Thanksgiving Day. In addition we would like to say thank you for your dedication to a safe and reliable food supply.

2014–2015 H O L I D AY S C H E D U L E Christmas Day Thursday, December 25 ◆ New Years Day Thursday, January 1 ◆ Martin Luther King, Jr. Day Monday, January 19 ◆ President’s Day Monday, February 16 ◆ Memorial Day Monday, May 25 ◆ Independence Day Friday, July 3 ◆ Labor Day Monday, September 7 ◆ Columbus Day Monday, October 12 ◆ Veterans Day Wednesday, November 11 ◆ Thanksgiving Day Thursday, November 26 ◆ Christmas Day Friday, December 25

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1478 Stone Point Drive Suite 450 Roseville, CA 95661

Cookie cutters are only good for cookies.

Each farm is unique, every ranch is different. What works for your neighbor might not be right for you. We’ll meet you, listen to you and customize a financial solution that works — for you.

We believe in service. We believe in you.

We are Farm Credit West.

800.909.5050 • www.farmcreditwest.com