Country Banker is a subsidiary of Elkcorp, Inc., a Bank Holding Company for the Elk State Bank of Clyde, Kansas. The Elk State Bank has been in the agricultural lending business since 1896. When the Farm Financial Standards Council (FFSC) released its first set of guidelines in 1991, the Elk State Bank developed and copyrighted an ag analysis system. We have utilized this analysis system with our customers since that time, and it serves as the cornerstone of Country Banker – the program that we are now offering to you. Utilizing the FFSC recommendations in our agricultural loan portfolio has paid us huge dividends. Country Banker is an investment in your agricultural customers, community, and bank. We look forward to introducing you to Country Banker.