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Finance & Accounting

Risk and Finance: Better Together

By Thorsten Hein

Changing regulations and new accounting standards are creating enormous challenges for financial organizations. To successfully meet these new requirements, organizations need to rethink the way they operate.

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Does Your Farm Need to Expand?

By Michael Langemeier and Michael Boehlje

Even in today’s environment of tight margins, many farms are exploring expansion options. When considering these options, it is important to evaluate how farm growth impacts the farm’s strategy or strategic direction.

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Mortgage-Backed Securities and ‘True’ Yield

Do the Math.

By Jeff Goble

Many banks throughout the Midwest have been overweighting mortgage-backed agency securities issues for their portfolios during the period when the Federal Reserve has been conducting historic amounts of quantitative easing. These bonds have nearly replaced the traditional agency and Treasury holdings held in most bank bond portfolios since the Fed has been purposely driving up their prices in order to lower mortgage rates.

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Agricultural Loans in Bankruptcy

A lender’s guide to special issues in maximizing recovery.

By Zach Bancroft and Gary Barnes

Agricultural lenders must be proactive in handling agricultural loans when a borrower has filed bankruptcy due to the unique character of the collateral. Whether it be crops or animals, both can be of a perishable nature and require immediate attention in a bankruptcy case.

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Securitization for Community Banks

Access to capital markets provided for $200 million-$10 billion banks.

By Rob McDonough

Community banks face many struggles in today’s competitive and highly regulated financial services industry, but many do not realize the hardships that smaller financial institutions in particular face when accessing the capital markets. For example, most mom-and-pop banks that issue bonds are unable to justify the expenses charged by agencies like Moody’s, S&P and Fitch to provide a credit rating for their debt. This can scare off many investors, particularly those that are unfamiliar with the community banking space and its risks and rewards. However, recent developments in the capital markets have provided a new and improved approach to effectively direct investor capital to these institutions.

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