For those banks with a substantial agriculture portfolio, experiencing the plateau after the Super Cycle was a “wake-up” call. Bankers can become complacent when the economy is strong, but difficult times require a sharper focus on more in-depth analysis. Regulators are increasingly emphasizing uniform and consistent analysis, and bank management teams are taking note.
Customer relationships are further solidified when the bank brings value through business knowledge. This flows from stronger analysis, including educating ag borrowers on cash-adjusted accrual income statements to help them understand true profitability.
Throughout his 37-year community banking career, Tim Ohlde has been focused on enhancing loan portfolio quality. This led to the creation of a proprietary analysis system now known as Country Banker, where he is currently CEO. In developing Country Banker, Tim could draw on his extensive knowledge as a former ag lender, his education from Kansas State University in Ag-Education, and his own upbringing on a dairy farm.
Country Banker is a simple-to-use, yet powerful analysis tool that makes it easy to build a relationship with ag borrowers. The Company was built by bankers for bankers with the goal of facilitating smart lending decisions. The result is borrower loyalty, a growing customer base and a strong portfolio.