Farmer borrowing up sharply as crop prices fall

Commercial banks across the country reported a dramatic increase in volume this year for short-term agricultural production loans, says the Kansas City Federal Reserve Bank in its quarterly Agricultural Finance Databook. “Operating loan volumes reached a record high, exceeding year-ago levels by 28 percent.” Crop prices in early 2014 were down by 40 pct from a year earlier.

“Reduced cash flow coupled with elevated crop production costs contributed to the upswing in operating loan volumes,” said the report. “According to a national survey of commercial banks from the first full week of February, agricultural producers borrowed larger amounts compared with last year to cover current operating expenses.”

The report also said “a majority of bankers felt that lower farm income expectations for 2014 would limit further farmland value gains in major crop producing areas.”

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