By the Numbers

All Column Articles

  • (Progressive Farmer image by Getty Images)

    With so many "hats" we all wear, life can get overwhelming and suffocating under their shadow.

  • The DuPont Financial Analysis Model was originally developed as a tool for analyzing the rate of return on assets, but with a simple step, it can also be used to analyze the rate of return on equity. (Courtesy graphic)

    When most farmers look at their financial ratios, they analyze either their trends over time or relative to benchmarks. But it's also helpful to dig into what is driving their bottom line and to do "what if" analysis to see the impact different changes would have.

  • Implementing real-time, site-specific business software can help farmers remain profitable. (DTN/The Progressive Farmer file photo)

    For farmers, margins are tight and additional spending is always carefully scrutinized. To remain profitable, farmers need to think about implementing real-time, site-specific business software sooner rather than later.

  • Over-collateralization, hedging policies and a credit officer's trustworthiness are a sample of issues that concern farm borrowers. (DTN photo by Greg Horstmeier)

    Too often ag lenders focus on their own risks and forget lending policies can cause major business concerns for borrowers.

  • About 22 million people in rural areas lack the high-speed internet connections considered standard fare in urban areas. (DTN/The Progressive Farmer photo by Jim Patrico)

    After congressional backlash, Farm Credit backed off controversial telecom loans. But will that slow broadband upgrades for rural America?

  • Tracking the right trends can alert you to the timing and steepness of farmland's coming price adjustment. (DTN photo by Pam Smith)

    Watch early warning signs for U.S. farmland values. If 2016 farm incomes fall as sharply as USDA indicates, 2017 could be the year of reckoning.

  • A shortfall in collateral after the 1980s land crash turned current loans into under-secured loans. (Photo by ctj71081, CC BY-SA 2.0)

    You don't need to be delinquent on your account to be in jeopardy. A collapse in the value of your collateral or violation of loan covenants can also trigger a loan being called. Fortunately, these conditions are rare.

  • Too many operators rely on cash-basis accounting and other lax controls that only alert them to financial problems after a crisis occurs.   (Photo by Coolcaesar, CCA-SA)

    These worst business practices assure your operation will flirt with failure. Given today's negative commodity margins, that's a risk you can't afford.