• Used as a teaching/learning tool at the KBA/NBA Schools of Banking Agricultural Lending School In July of 2004 Country Banker Software was used as a part of the Schools of Banking Agricultural Lending School sponsored by the Kansas and Nebraska Bankers Associations. Throughout the week students learn “standards” in ag lending taught by Dr. David Kohl and other experts in the ag finance field. By the end of the week students put what they have learned into practice by making a simulated loan decision based on a presented case study. Students enter expansion options into the Country Banker program to see how the loan will perform. With Country Banker, students are able to see how the Farm Financial Standards Council guidelines translate into real-life situations.
• Accurate & Reliable System: Based on recommendations from the Farm Financial Standards Council (FFSC) (with slight adjustments for practicality) Our community bank has utilized an ag analysis system since January 1992, based on the FFSC recommendations that were first released in May 1991. This analysis system served as the cornerstone of the Country Banker program. We have combined the complexity of a database, the ease of a spreadsheet, and the history of our own analysis system in the development of an intuitive, powerful financial analysis system for ag lenders.
• Help Section Includes Weighing the Variables by Dr. David M. Kohl Weighing the Variables, written by Dr. David Kohl, one of the largest selling textbooks on ag finance, is used by bankers nationwide as a guide for ag analysis. Country Banker includes this entire volume which has been updated by Dr. Kohl. This is the only updated version of the text available today! Have one of the best ag lending analysis resources at your fingertips with Country Banker.
• Double Column Balance Sheet (cost & market values) See Cost and Market values side by side on our balance sheet. Country Banker’s balance sheet contains 21 schedules in which assets and liabilities are listed. The advantages of using a Timed, Double Columned Balance Sheet are many:

Pros

• Quality of information – excellent (assumption: Formulated using the FFSC recommendations) Use to accurately evaluate profitability by being able to perform an accrual adjusted income statement and ratio analysis.
• Compared to most approaches, doesn’t take much more time, if any.
• Sets the stage with the borrower for the remainder of the year.
• Provides solid information for the borrower’s decision making process.
• When used with an Accrual Income Statement and ratio analysis, can detect and identify financial weaknesses 18 – 36 months in advance of a market value only, cash profit or loss evaluation.

• Accrual Income Statement (converts cash tax return to accrual) – As recommended by the Farm Financial Standards Council, Country Banker utilizes an Accrual Adjusted Income Statement. Using an Accrual Income Statement will actually put your analysis 18 – 36 months ahead of a cash income statement, allowing you to detect and avoid or correct problems at the earliest possible point.
• Sweet Sixteen & Sensitivity Ratio Analysis – These tried and true ratios are used nationwide as the standard in ag analysis. Get basic information from your customers and let our program do the calculations for you. The results of these ratios are only a mouse click away with Country Banker.
• Credit Scorecard & Risk Rating System – Use our default settings or set your own rating system. No matter which system you use, it is standardized across your loan portfolio for ease of use and comparison.
• Loan Pricing Matrix - You can customize your loan pricing matrix (or use our default settings) so that when a score is calculated from you customer’s ratios, you can immediately see how to price the loan.
• Owner’s Equity Reconciliation - Simply click a button to see if there is a difference between actual owner’s equity and calculated owner’s equity. This system of checks and balances validates the results of your customer’s financial input. While the customer is still in the room you will know if you have all the information you need and won’t have to bother with a phone call later searching for clarification.
• Excellent Reports - See your analysis results in black and white. Country Banker includes Management Reports for your institution as well as Customer Reports. You will find these reports irreplaceable when discussing financing decisions with producers.
• Word Processor with Appointment-Organizer, Form Letters & More - At Country Banker we understand the value of your time. We have made it as simple as possible to send correspondence and set up appointments with your customers. Make the most of your day with this feature!