Third Quarter 2014 CREDIT

Ag
CREDIT
Third Quarter 2014
ve ition
i
t
ra y Ed ber
o
em rsar cem !
m
m e e It
Co nniv in D iss
A g M
t0 h min on’t
8 Co D
The LEADER is published quarterly for
stockholders, directors, business associates
and friends of the Central Kentucky Ag Credit
Association.
President & CEO
Central Kentucky Ag Credit Offices
Danville Office
Paris Office
P.O. Box 326
485 North Danville Bypass
Danville, KY 40422
859-236-6570 • 1-800-589-4261
P.O. Box 249
201 Commerce Drive
Paris, KY 40361
859-987-4344 • 1-800-613-4292
Joe Goggin, Principal Loan Officer
Kim Elliott, Loan Officer
Greg Robey, Loan Officer
Tina Roney, Senior Loan Assistant
Donna Price, Loan Assistant
Katie Banks, Country Mortgage Loan
Originator
Russell Gray, Asst. Vice President &
Relationship Manager
Willie Wilson, Loan Officer
Tom Zack Evans, Loan Officer
Ben Robin, Loan Officer
Margie Roe, Loan Assistant
Richmond Office
Lebanon Office
P.O. Box 544
842 West Main Street
Lebanon, KY 40033
270-692-4411 • 1-800-264-0402
Richard Medley, Principal Loan Officer
Justin Craig, Loan Officer
Brad Godbey, Loan Officer
Travis Mattingly, Loan Officer
Jeanine Williams, Senior Loan Assistant
Susan W. Mattingly, Loan Assistant
Ruthie Jackson, Office Clerk
Lexington Office
P.O. Box 1290
640 South Broadway
Lexington, KY 40508
859-252-4717 • 1-888-820-3270
Shane Turner, Vice President - Credit
Charles H. (Chuck) Canter, Loan Officer
Lisa Yeager, Loan Officer
Linda Haley, Senior Loan Assistant
Grace Gayheart, Loan Assistant
Miranda Phillips, Loan Specialist
P.O. Box 492
1000 Ival James Blvd.
Richmond, KY 40475
859-623-1624 • 1-888-820-3221
Chris Cooper, Senior Loan Officer
Teresa Thomas, Loan Officer
Karen Sarver, Loan Assistant
Diana McDowell
Country Mortgage Loan Originator
Stanford Office
P.O. Box 367
106 Agriculture Way
Stanford, KY 40484
606-365-7500 • 1-800-467-0039
John Peek, Senior Loan Officer
SaraVard Von Gruenigen, Loan Officer
Felicia Madden, Senior Loan Assistant
Tiffany Decker, Office Clerk
Regional
Lending Managers
1-888-820-3270
Shane Turner, Vice President - Credit
Paul Wyler, Vice President - Credit
APPRAISER
Bud Burdette, Appraiser
James W. Caldwell
Board of Directors
Alvin Lyons
Chairman
James L. May
Jerry Rankin
James C. Rankin, III
Joe Myers
Lionel Williamson
Mary-Lynn Hinkel
Editor
Robert Anderson
Address Changes
Address changes, questions, comments and requests to
cancel your free subscription to the Ag Credit Leader
should be sent to Central Kentucky Agricultural Credit
Association by calling 1-859-253-3249, or by mailing to
P.O. Box 1290, Lexington, KY 40588-1290.
Financial Information
The Farm Credit Administration does not require the
association to distribute its quarterly financial reports
to stockholders. Copies of the association’s annual
and quarterly reports are available upon request
free of charge by calling 1-800-589-7859, or writing
Marcus Barnett, Chief Financial Officer, Central
Kentucky Ag Credit, P.O. Box 1290, Lexington, KY
40588, or by accessing the association web site at
www.AgCreditOnline.com. The association prepares
an electronic version of the annual report which is
available on the association’s web site within 75 days
after the end of the fiscal year and distributes annual
reports to shareholders within 90 days after the end of
the fiscal year. The association prepares an electronic
version of the quarterly report within 40 days after
the end of each fiscal quarter, except that no report
need be prepared for the fiscal quarter that coincides
with the end of the fiscal year of the institution.
Privacy Policy
Your online privacy is always a top concern at Ag
Credit. For a complete copy of the latest version of
the online privacy policy, please visit our web site and
click on the homepage link. Review our Privacy Policy
Central Kentucky
AgCredit
2 / Third Quarter 2014, Ag Credit Leader
www.AgCreditOnline.com
On the Cover
Nature’s kaleidoscope of color will soon
be evident across the Bluegrass Region. While
only hints of bright leaves are now showing,
nature’s deciduous trees will soon fire up with a
spectacular array of colors before the onset of cold
weather.
The cover on this edition of the Ag Credit
Leader is something of a celebration of beauty
that is commonplace in the Bluegrass Region. We
sometimes take the wonders of our region for
granted, while visitors from across the globe visit
here to partake of central Kentucky beauty. Be
sure to enjoy your part of central Kentucky in
these short weeks. It is a pleasant experience and
a cheap thrill!
In This Issue
Hinkel Takes Seat on Ag Credit Board ............... 3
Ways to Protect Your Family Outdoors ............. 4
The Investment in Education .............................. 6
Conversations About Farming ............................ 7
Long View Organics ................................................. 8
Mercer County Youth State FFA President ......10
Tobacco Still Brings Cash to Farms ..................11
Happy Home Owners ...........................................12
A Future Farmer ....................................................12
Meet Rukus! .............................................................13
Emerging Leaders ..................................................14
Ag Credit Membership PAYS ...............................15
Holiday Closing
Columbus Day
Monday
October 13
Veteran’s Day
Tuesday
November 11
www.AgCreditOnline.com
Mary-Lynn Hinkel Takes Seat on
Ag Credit Board
M
ary-Lynn Hinkel of Lexington, KY has been selected to serve on the
Central Kentucky Ag Credit Board of Directors. She is an Accountant
and a Director with Barr, Anderson & Roberts, PSC in Lexington.
Ms. Hinkel has been selected by the Board of Directors following monthslong deliberations by the Board. She will serve the remainder of the term left
vacant by the death of David Sparrow this year. Ms. Hinkel’s term extends to
April 2016.
Ms. Hinkel will serve as an Outside Director on the Ag Credit Board.
That position is filled by the Ag Credit Board of Directors, rather than by a
membership election. Only two such positions exist on the seven-person Ag
Credit Board of Directors. Dr. Lionel Williamson is the other Outside Director.
The five board members who are elected by the Ag Credit membership are
Alvin Lyons, Jim May, Jerry Rankin, Joe Myers and James C. Rankin, III.
Mary-Lynn Hinkel brings a strong background of professional relevance
to the Ag Credit Board of Directors. Her accounting practice consists of
compliance services: tax, financial statements and accounting for businesses,
individuals and non-profit organizations. Her practice concentrates on
physicians and the healthcare industry, manufacturing and real estate of closelyheld family owned businesses.
Mary-Lynn earned her B.S. Degree in Accounting from the University of
Kentucky. Her career has also included service with Dean, Dorton, Allen &
Ford, PLLC of Lexington; and she was Federal Tax Manager with Jerrico, Inc. for
six years.
She is very active in civic and charitable organizations and her professional
memberships include the American Institute of Certified Public Accountants
and she is a member of the Tax Committee with CPA Associates International.
Third Quarter 2014, Ag Credit Leader / 3
Ways to Protect Your Family Outdoors
B
efore your family begins
enjoying the great outdoors
during this adventure-filled
season, make sure your yard is properly
treated to avoid the dangers of poison
ivy, oak or sumac.
Learn proper steps to keep the
threat of poisonous plants away from
your family and property. Ashton
Ritchie, Garden Expert and Author,
offers this expert advice for protecting
your family.
Locating the Danger
Keeping your family safe begins
with proper identification of these
harmful, rash-producing plants. In the
right environment, poisonous weeds
can grow and spread quickly. Using a
photo or resource like StopPoisonIvy.
com can help identify the various
poison weeds and their stages (Poison
Ivy often emerges red and only starts to
turn green in late spring.) Survey your
yard once a month, keeping a close eye
on these common areas:
• Ground Cover: A common area for poison ivy is along the edge of a
wooded area or around any shaded and less maintained section of
the yard.
• Trees: By disguising itself as part of
a tree limb, poison ivy often climbs up trees situated in shady locations.
• Edges: If you find that poison ivy continues to invade your outdoor space year-after-year,
you may be experiencing the “edge
effect,” a phenomenon that occurs
when the wooded areas surround-
ing your yard dry out. Various weeds flourish under such condi-
tions.
• Stumps: Dead stumps are also a common hangout for these harmful
weeds.
(See next page)
4 / Third Quarter 2014, Ag Credit Leader
www.AgCreditOnline.com
(Continued from page 4)
Eliminate the Threat - Once you
have determined where the poison
ivy is located, you can work to remove
it from your surroundings. Look for a
weed-eliminating product that works
double-duty, such as Roundup or Poison
Ivy Plus Tough Brush Killer, which
penetrates the waxy surface of poison
ivy, oak, sumac, kudzu and other tough
weeds, while also killing at the roots.
Wear Protection - Before
contact with these poisonous plants,
always wear the proper clothing and
protection. Be sure to cover your hands
with thick, long gloves and wear a
long-sleeved shirt and pants in case you
accidently touch the plants.
Choose the Right Time - Always
choose a calm, wind-free day for
applying products to avoid contact with
other desirable plants in your yard.
If you can, it is best to apply with a
temperature above 60 degrees.
Apply a Weed-Killing Solution Spray a specialized weed killer, such
as Roundup or Poison Ivy Plus Tough
Brush Killer on the leaves until
saturated, taking care not to apply to
nearby trees, grasses and desirable
plants. You should always read and
follow label directions.
Wait for the Plant to Completely
Die - Perennial weeds such as poison
ivy may take four or more weeks for a
complete kill, so be patient and follow
directions on the specialized weed
killer packaging.
Regularly Monitor Surroundings Keep new weeds from growing by
surveying your outdoor areas at least
once a month throughout the busy
weed-growing months of May through
November.
With proper detection, application
and monitoring, your family can enjoy
outdoor fun without the worry!
www.AgCreditOnline.com
Discover a
Valuable Resource
AgCreditOnline.com
Ag Credit’s Website is a doorway to all
Ag Credit locations and contacts; convenient
customer Account Access features; financial
information; quality musical entertainment;
news; weather; other web links;
and lots more.
Have you traveled into cyberspace on
www.AgCreditOnline.com?
Third Quarter 2014, Ag Credit Leader / 5
The
I
Professor Speaks
The Investment in Education
By Dr. David M. Kohl, Professor Emeritus - Virginia Tech and President – AgriVisions, LLC
have been exposed to people with
many challenges and opportunities
as a former academic and through
my road warrior travels and interaction
with a wide variety of groups. In
recent years, questions have arisen
concerning the topic of young people
and education. With United States
university and college debt exceeding
$1 trillion, and major questions
concerning quality of education and
the difficulty of securing employment
for the Millennials, this is a topic that
is top of mind. As an educator who has
taught over 10,000 students at Virginia
Tech and Cornell University, allow me
to have some dialogue on this important
subject.
education. I totally agree. However,
the family should explore its goals
and priorities. From an educator’s
standpoint, the younger generation
will be much more engaged in their
education if they contribute up to 50
percent of the cost, whether tuition,
fees, or living expenses. Another
suggestion is community college, with a
much lower price tag. Basic courses can
be completed in smaller class settings
which can build confidence in the
learning process. Today’s employment
marketplace finds that the most popular
education is the four year college
education with the student returning to
community college or vocational school
for a specific skill.
Is a Degree Worth It?
Course Vs. Instructor
One of the major questions I
receive concerning education is, “Is the
high cost of a college degree worth it?”
First, not all young people need to go
to college. In some cases, a vocational
degree in a specific skill set can be
a track for a bright future. A college
degree is less important than a college
education. Too often, while teaching
since the advent of standardized
learning and testing, students would
comment, “Tell me what to study
for the exam so I can complete the
requirements for school.” This often
diluted the intellectual curiosity and
engagement that is a necessary life
skill. College education with a blend of
internships and industry experiences
can provide a baseline for employment,
but also the pursuit of life fulfillment,
something that is meaningful which is
not based on high earnings or salary.
Students have many choices of
majors, courses and instructors. The
old rule of the road is to select the
instructor over the course. An engaged
professor who is passionate about
their field of expertise or education in
general can be like fertilizer and rain
on a seedling. Personally, I became
interested in economics as a result
of a community college professor,
finishing his doctorate at Syracuse
University, who could apply economics
to everyday decision-making. A
suggestion for student, parent, and
grandparent visits to campus is to sit
in on some classes and interact with
current students. Explore the list of
award-winning teachers and educators
usually displayed on campus or on their
website and take their courses.
Who Pays?
There has been much discussion
on the relationship between education
and employment. If one explores
employment rates versus education
levels, there is a trend. The average
Many financial advisors suggest
that the family invest in their children’s
workforce participation rate is at an alltime low, at approximately 63 percent.
For those who do not graduate from
high school, the rate is 44 percent. For
those who finish high school, this rate
jumps to 58 percent. Some college or
vocational school finds approximately
two-thirds employed, and for those
with a college degree, nearly 70 percent
of the workforce is participating. Yes,
education is important for employment.
However, emotional intelligence and
common sense often determine the
level of income. As one of my former
“C students” who is now a multimillionaire jokingly reminds me, the
“A” students are the researchers; “B”
students are managers, and “C” students
are the entrepreneurs by whom the
“A” and “B” students are employed.
This particular student attended my
classes, interacted with people, and
understood breakeven analysis and sales
negotiations very well.
In today’s knowledge-based,
information-packed society, one size
does not fit all in education.
Education is a process, not an
event, which requires an initial
foundation of formal education
with the lifelong learning venues to
enhance the skill base.
Hopefully these insights will be
helpful when you are mentoring your
child, grandchild or a young person in
your community.
Education & Employment
www.AgCreditOnline.com
6 / Third Quarter 2014, Ag Credit Leader
The Ribbon Cutting
Conversations About
Farming
T
he University of Kentucky Extension Office
in Marion County was host to a visit from
political leaders during July. Members of the
agriculture community from Washington, Marion and
Taylor Counties participated in conversations about
agriculture and farming in Kentucky.
Shown here in the group of six are (left to right):
Dave Kessler, Agriculture Extension Agent for Marion
County; Joe Bernard Luckett, Vice President of the
Marion County Cattlemen’s Association; Larry Elder,
Marion County Farm Bureau President; Senator Mitch
McConnell; Gene Lanham, Marion County Cattlemen’s
Association President; and Steve Downs, President
of the Kentucky Cattlemen’s Association, and former
member of the Central Kentucky Ag Credit Board of
Directors.
(Right) The threesome shown include (left to right):
State Senator Jimmy Higdon; Erica Barnes; and Senator
Mitch McConnell.
www.AgCreditOnline.com
Third Quarter 2014, Ag Credit Leader / 7
“
Long View Organics Targets
Farmer’s Market Sales for Growth.
P
By Claude L. Brock
aul Haney
and Alison
Baker share
their married lives
as partners in many
ways on the Long
View Organics
operation. She is a
graduate architect.
He is a business
organizer. They are
both adventurers.
They are both
smart. They are both
innovative.
Considering the
above description,
perhaps it seems
out-of-place for this
story to be in a rural
lender’s magazine.
Paul Haney uses good planning and a depth of knowledge to plan his small cropping program, with a view to crop quality,
Not so. Paul and
fair pricing and farm profit. He says,“No head for business is an Achilles Heel!”
Alison are
Washington County farmers.
outside Kentucky. Paul calls his leaf
soybeans, corn, tobacco, or other large
lettuce the “cut and come again” crop,
acreage crops and yields. He describes
They live in their new home
because it regenerates after weekly
himself as a small-scale, niche market
which is located near Springfield. The
harvests. He gets three crops annually,
producer who concentrates on quality
Lebanon Office of Central Kentucky Ag
over a 9-month growing season. Paul
and farm profit.
Credit provided a Rural Home Loan to
manages weather difficulties by rotating
the couple, which included their farm
his lettuce production in three ways:
Paul and Alison raise seasonal
land. The farm is a whoppin’ 12 acres.
field production, production in hoop
salad blends, crudites, microgreens,
and are beginning to market
(Continued on page 9)
Paul and Alison are among
Kombucha, a non-alcoholic beverage
the nation’s emerging “Lifestyle
that is attracting enthusiasts. “When
Entrepreneurs” who are seeking
I think about production,” says Paul,
ways of living that encompass health,
“I think about grossing $1.50 per
happiness and productivity. It works
square foot.” He has about two (2)
for Paul and Alison, since they are being
acres under production this year.
creative with their farm products and
That, of course, is quite different than
operation. They budget carefully and
traditional farming, where producers
don’t incur unnecessary debt; they
think in terms of “bushels or pounds
look to farm profit for income; and
per hundreds of acres.”
they produce a variety of saleable farm
products that keep cash flow alive
Salad blends that are produced by
(Above) Paul holds a handful of lettuce, fresh
throughout the year.
Long View Organics consist primarily
from a bag that is destined for the Douglas
of leaf lettuce, which is harvested
Loop Farmer’s Market in Louisville. Long View
Paul says he is not in competition
weekly, thus has excellent freshness
Organics is a USDA Licensed Facility, and it is
with other farmers, nor does he aspire
and a longer shelf life than similar
always open for inspection by the Kentucky
to large acreage, big equipment,
salad blends which are shipped from
Department of Agriculture.
8 / Third Quarter 2014, Ag Credit Leader
www.AgCreditOnline.com
Multiple Crops, Quality, Good Strategy
Leads to Profitability
houses and production
in shade houses. The
Kentucky climate facilitates
year-round production,
except for the coldest
months of November,
December and January.
Lettuce produced at Long
View Organic falls into
three primary varieties:
Anuenue, a lettuce variety
that originated in Hawaii;
a Romaine variety that
originated in Germany;
and a Romaine variety
that originated in Israel.
Alison designed the home in which she and Paul live and she
handles the farm’s marketing, sales and beekeeping operation.
Justin Craig, a Loan Officer with Central Kentucky Ag Credit in
Lebanon, handles the Country Home Loan with Paul and Alison.
Justin is familiar with the financial needs of emerging lifestyle
farmers, and is also highly experienced with traditional farming
enterprises.
Other crops are
seasonal and vary.
“Crudites” that are produced are eaten
raw as hors d’oeuvres or as salad
ingredients. The list of crudites is
familiar and includes carrots, sugar snap
peas, scallions and other traditional
vegetables. Like all crops, Paul raises
small quantities and sells quickly after
they are harvested to assure freshness.
Innovation is apparent when
talking with Paul. He gets excited
when he sees honey bees on his cover
crop flowers. That’s because honey
is harvested, thus contributing to
farm profit. Periodically you will also
see flowers on sale from Long View
Organics, a double benefit, both to farm
profit and to bees.
A long list of microgreens are
produced, many of which have names
that will leave your tongue in a twist
when you try to pronounce the word,
i.e., shungiku edible chrysanthemum,
arugula and other treats. Long View
Organics is the first in Kentucky to be
licensed to sell microgreens. In order to
sell microgreens off-the-farm, Kentucky
requires a producer to be licensed,
since a commercial kitchen is required
to accomplish the triple rinsing
process that is necessary for the sale of
www.AgCreditOnline.com
microgreens. Long View Organics has a
commercial kitchen.
The most recent innovation at
Long View Organics is development of
a new beverage known as Kombucha
(pronouonced “kom-boo-ka”). The
beverage has a history dating back
thousands of years to China, ultimately
making its way to Russia. Kombucha
is relatively new in the Western
hemisphere. Paul and Alison explain
that Kombucha is brewed from a base
of black tea and organic sweet tea using
a special fermenting process that does
not result in an alcoholic content.
Paul and Alison are currently
brewing Kombucha in five gallon
batches, and they can produce about
20 cases per week. A case consists of
24-12 oz. bottles. It currently sells for
$3 a bottle, and Paul says as production
increases he’ll pass possible cost savings
to customers, just like they do with
other products. At present labeling on
the Kombucha bottle is plain. When
asked if they plan to produce a fancy
label, Paul grinned and said “not likely
– customers just want a quality product
… not something fancy.”
Paul and Alison’s marketing
strategy is simple and effective. At
present they sell exclusively at the
Farmer’s Market on Douglas Loop in
Louisville. That is Louisville’s largest
farmer’s market and ranks among the
largest in Kentucky. They sell retail
and do not have wholesale customers.
Paul says they like it that way and it is
working for them. He explains that
development of customer-direct sales
develops a loyal buyer who appreciates
quality food products.
(Continued on page 10)
Kombucha is bottled in glass bottles and plans
are on the drawing board to produce it in
small kegs.
Kombucha is already being
sold by Long View Organics and
Paul sees the beverage as a longterm growth product for the farm.
He says they cannot keep up
with demand and have already
applied for their own trademark,
“Kenbucha”. The beverage is
pro-biotic, which means it is
“pro-biotic dense”, with
low sugar and low calories.
Kombucha has a crisp taste and is
a good “sipping drink” when
served at room temperature or iced.
Third Quarter 2014, Ag Credit Leader /9
(Continued from page 9)
Mercer County
Youth is State
FFA President
Meet Paul Haney
and Alison Baker
P
aul Haney is a native of Lima,
Ohio. He obtained his undergraduate degree in Environmental Ethics, then earned his Master’s
Degree in Organizational Management
from Bluffton University in Ohio. He
is also trained in biodynamics, organics and permaculture, with experience
on several farms. He has worked with
Chef Cesare Cassella, Dean of the Italian
Culinary Academy in New York City;
with food author Nina Plank; and with
garden designer Jon Carloftis. Paul is a
member of the Board of Directors for
the Organic Association of Kentucky.
Alison Baker is a native of Corbin,
Kentucky. She earned her professional
degree from the College of Architecture at the University of Kentucky and
is currently working towards becoming a licensed architect. Alison works
with the Lexington firm of Murphy+
Graves+Trimble Architects.
A
ustin Hazelwood of Mercer County is serving as the
Kentucky State FFA President, and he is the first person to
serve in that post from Mercer County. He will continue to
serve in the post during 2014-15.
Austin is the son of Brent and Susan Hazelwood, and the
Hazelwood family is a member-borrower of Central Kentucky Ag
Credit, through the Danville Ag Credit Office.
Tina Roney, Ag Credit’s Senior Loan Assistant at the Danville
Office, says the Hazelwood family is “top notch” and the community
is proud of Austin as he continues to serve FFA as a statewide
ambassador from Mercer County. Tina and the Ag Credit team in
Danville serve members in Mercer, Anderson and Boyle Counties.
Austin grew up on a dairy farm and has been deeply rooted in
agriculture all his life. His FFA membership dates to his freshman year
in high school, and he has held several FFA offices in Mercer County,
including Chapter Secretary, Chapter President and Regional President
during 2013-14.
The honor of being State FFA President is no small matter. In
order to be elected to the top post candidates are interviewed by a
nominating committee that represents the 12 FFA regions in Kentucky.
That committee makes the final decision on who will be chosen for
state office.
During Austin’s term of office, he will travel extensively,
including a trip to Washington, D.C., will fulfill speaking engagements
throughout the Commonwealth, and he has recently been highly
active in agriculture matters at the Kentucky State Fair.
Visit the Long View Organics website
for more information.
(www.longvieworganics.com)
10 / Third Quarter 2014, Ag Credit Leader
www.AgCreditOnline.com
A
Tobacco Still Brings Cash to Farms
Tobacco Field Day was held during July on the
farm of Steve Downs in Marion County. Steve, a
former director on the Central Kentucky Ag Credit
Board of Directors, is also current President of the Kentucky
Cattlemen’s Association and a vital member of the Central
Kentucky farming community.
Specialist; Eddie Blandford; and Marion County Extension
Agent Dave Kessler. In today’s farming environment, the
Burley tobacco program has undergone changes that have
encouraged many small Burley producers to leave the
business, but many large producers have remained and
increased production acreage. Burley continues to inject
significant dollars into the central Kentucky economy.
Shown here during a break in Field Day demonstrations
are Larry Jones; Bob Pearce, University of Kentucky Tobacco
www.AgCreditOnline.com
Third Quarter 2014, Ag Credit Leader / 11
Happy Home Owners
J
ohnathan (right) and Siobhan (left) Adkins are a happy
couple who purchased their first home during June.
Shown at center is Diana McDowell, Country Mortgage Loan Originator with Central Kentucky Ag
Credit. Johnathan and Siobhan have settled into their home
near Wilmore, on Handy’s Bend Road.
The Adkins’ home is new construction, which they
purchased at auction. Diana McDowell provides Country
Mortgage services throughout the 17-county Ag Credit service
area, along with Katie Banks, also a Country Mortgage Loan
Originator. Diana’s office is in Richmond, while Katie’s office
is in Danville.
Ag Credit’s Country Home Mortgage program has gained
in popularity, because the service has broad flexibility to
finance homes anywhere in rural central Kentucky, including
new construction, existing homes and homes with acreage
of any size. Diana and Katie are always available to discuss
the Country Mortgage program, and more information can
be found on the Ag Credit website at www.AgCreditOnline.
com. Diana and Katie can be reached by calling their office
numbers listed on the inside cover of this Leader.
A Future Farmer
B
eau Banks is currently half the
size of the wheel on the tractor,
but at the rate he is growing
his mom says he’ll soon be driving the
big rig!
Beau is the 15-month-old son of
Andy and Katie Banks and the photo
was taken on the Boyle County farm
of Walter T. Goggin, Beau’s greatgrandfather.
Katie is a Country Mortgage
Loan Originator for Central Kentucky
Ag Credit and her office is located in
Danville.
12 / Third Quarter 2014, Ag Credit Leader
www.AgCreditOnline.com
Thank You
for Serving our Country
and
Protecting our Freedoms!
The Board of Directors and Ag Credit Employees
Danville • Lebanon • Lexington • Paris • Richmond • Stanford
www.AgCreditOnline.com
Meet Rukus!
R
ukus was hot under the
collar during late August
when temperatures
at mid-day soared to near 100
degrees.
He is shown here taking a
break under the hoop shelter at
Long View Organics. Rukus had
been busy chasing the writer/
photographer when he simply
“wore out”. He later returned to
the front porch and flaked out.
Third Quarter 2014, Ag Credit Leader /13
Class VII of the Kentucky Cattlemen’s Association / Whayne Leadership Program held their fifth session in Denver, Colorado during July, and the
group is shown here in a photo taken while on the Colorado trip.
W
hen young farmers
and youth leaders in
agriculture study and
travel to expand their knowledge
about farming, the entire farming
community wins. As agriculture
moves further into the new farming
age, educated leaders who are wellnetworked are vital to the health and
well-being of farming. That’s what the
KCA/Whayne Supply Leadership Class
is all about.
Whayne Supply Company, one
of the nation’s oldest and largest
Caterpillar dealerships, established in
1913 and headquartered in Louisville,
Kentucky, is the supporting sponsor
and provider of many of the training
sessions for Class VII, which is shown
here. In the past, Central Kentucky
Ag Credit has also been fortunate to
14 / Third Quarter 2014, Ag Credit Leader
Emerging Leaders
enroll some of their key staff in the
well-respected leadership program.
This was the first time since 2002
that the Leadership Program had a
session in Denver and for many of the
participants it was their first time to
the Mile High City. Highlights of the
trip included a trip to Running Creek
Limousin Ranch in Elizabeth, CO; a trip
to Centennial, CO to the headquarters
of the National Cattlemen’s Beef
Association; a trip to the JBS Packing
Plant in Greeley, CO; a trip to the JBS
Five Rivers Kuner Feedlot; a visit to
Arvada, CO, home of the nation’s oldest
statewide cattlemen’s association, the
Colorado Cattlemen’s Association; and,
of course, dinner in downtown Denver
at the well-known Denver Chop House
and Brewery.
Individuals who hosted and/or spoke
to Leadership Class VII included: Forest
Roberts, National Cattlemen’s Beef
Association (NCBA) Chief Executive
Officer; John Hinners, Assistant Vice
President of Industry Relations at the
U.S. Meat Export Federation; Libby
Bigler, Manager of Member Services at
NCBA; Steve Wald, Executive Director
of NCBA; Bridget Wasser, Senior
Director with NCBA’s Beef Innovations
Group; Mike Thoren, President and
CEO of JBS Five Rivers Cattle Feeding,
LLC; Nolan Stone, General Manager
of the Kuner Feedlot; Meghan Blythe,
Beef Programs Manager of the Kuner
Feedlot; John Salazar, Colorado
Commissioner of Agriculture; Todd
Inglee, 2nd Vice President on the
Colorado Cattlemen’s Association Board
(CCA); and Devin Murnin and Paula
Waggoner of the CCA staff.
www.AgCreditOnline.com
AgCredit
Credit
Membership
Farm
Membership
Pays! Pays!
To receive the discounts, make sure you
identify yourself as a Farm Credit Member and
provide the discount codes as listed below.
1-800-FLOWERS®
Flowers, plants, gift baskets, etc. Go to 1800flowers.com or call 888.755.7474. Use discount code FCCS to receive a
15% discount.
ADT
New customers will save over $200 more than the general public (with customer prequalification). Plus, you may
save up to 20% off your homeowners insurance. Go to homesecurityteam.com/farmcredit or call 888.337.2448.
FLORAL AMBIANCE
Go to floralambiance.com or call 800.672.4137. Use discount code fccsflowers to save $10 off orders valued at $30
or more. Note: The owner of this business is a Farm Credit loan customer!
DELL COMPUTERS
Save up to 30% depending on configuration. Go to dell.com/farmcredit or call 800.695.8133 and use Member ID
CS25031329.
DIRECTV
New customers will save $120. With free installation, there’s no equipment to buy and no start-up costs (with
customer prequalification). Go to directsattv.com/farmcredit or call 888.612.4074.
NATIONAL & ALAMO CAR RENTALS
National and Alamo require us to “protect” our discount codes. To obtain this information, please email Pat
McFarland at [email protected].
OMAHA STEAKS
Save up to 60% - only available when you shop on-line at osincentives.com/farmcredit.
UNITED VAN LINES
Moves within Arizona, California, Delaware, Florida, Idaho, Maine, Maryland, Tennessee, Texas, Utah, Wisconsin,
and Wyoming, or between any of the 48 contiguous states. Discounts as much as 65% are only available via United
agent, Barrett Moving & Storage. Call 800.879.1283 or email [email protected].
Have questions? Contact Pat McFarland at [email protected] or call 888.275.3227 x3236.
www.AgCreditOnline.com Third Quarter 2014, Ag Credit Leader / 15
PRSRT STD
US POSTAGE
PAID
Central Kentucky
Agricultural Credit Association
COLUMBIA SC
PERMIT 1160
P.O. Box 1290
Lexington, KY 40588-1290
You’ll Like the Way We
Do Business!
The road to financial success can be made smoother
when you depend on Ag Credit. An expert
lending staff and 80 years of proven service
is where your relationship begins.
The service never ends.
It’s always there when loan needs change.
Long-term loans, seasonal loans, home loans,
livestock loans, equipment loans, you name it.
We have loans and terms
to fit your need.
Ag Credit is Your Best Financial Partner
Danville
1-800-589-4261
Lebanon
1-800-264-0402
20 / Second Quarter 2014, Ag Credit Leader
Lexington
1-888-820-3270
Paris
1-800-613-4292
www.AgCreditOnline.com
Richmond
1-888-820-3221
Stanford
1-800-467-0039
www.AgCreditOnline.com