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Pinion Insights

Producers Yielding Power from Big Data

Producers Yielding Power from Big Data

By K·Coe Editorial | May 21, 2019
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Reading Time: < 1 minute
If you’re still using Excel and other software programs to track crop rotation and inputs, but are struggling to tally the full costs involved in all the crops you grow, you are missing out on the total profitability picture.  Running your business without complete and accurate data is certain to …

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How Working Capital Can Make or Break You

How Working Capital Can Make or Break You

By K·Coe Editorial | May 20, 2019
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Reading Time: 2 minutes
Today’s ag environment shows commodity prices are below break-even for some operators, while barely budging the break-even level for others.  Economists have referred to this situation as “a grinder effect.” Meaning, the profitability level is grinding away at working capital little by little. Ultimately, this effect impacts the efforts needed …

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Coaching: The Big Payoff Most Businesses Don’t Expect

Coaching: The Big Payoff Most Businesses Don’t Expect

By K·Coe Editorial | May 15, 2019
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Reading Time: 2 minutes
By Danielle McCormick The top three workforce management challenges facing organizations today are retention/turnover, engagement, and recruitment. While that may not surprise you, perhaps the realization that a resounding 93% of managers – the people you equip with managing performance and motivating your employees – admit they need training on …

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Family Business Coaching small business

IRS Issues Small Business Reminders

By K·Coe Editorial | May 13, 2019
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Reading Time: < 1 minute
‘Small Business Week’ prompted the IRS to publish reminders for entrepreneurs and businesses on how they can better estimate their tax situation and plan ahead.  There are some new credits available, and new guidelines as a result of the Tax Cuts and Jobs Act of 2017 that can help generate …

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Loan Origination Fees: to Recognize Immediately or Amortize?

Loan Origination Fees: to Recognize Immediately or Amortize?

By K·Coe Editorial | May 8, 2019
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Reading Time: 2 minutes
If your bank immediately recognizes loan origination fees and costs directly to your income statement, you are not alone. This is a common practice among many community banks. However, this practice is not in accordance with Generally Accepted Accounting Principles (GAAP). Watch this video to see Kati Barnhill explain the misconception …

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Family Farm

Transitioning the Family Farm – a Bountiful and Satisfying Harvest for All

By K·Coe Editorial | May 8, 2019
Reading Time: 4 minutes
The family farm business is more than a job, it’s a lifestyle choice for millions of Americans. Most farmers or ranchers spend 50 years or more on their farms, where land is taught to be both a lifestyle and legacy. Farming is idealized, romanticized, and who these individuals choose to …

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Loan Origination Fees

Be Watchful for Appraisal Flaws

By K·Coe Editorial | May 8, 2019
Reading Time: < 1 minute
We’ve spoken with several bankers lately that felt their loan grading and related collateral (mostly real estate) appraisal were pretty solid; then they experienced some pretty big “wake-up calls” when examinations pointed out the flaws in their loan analyses, grading, and supporting collateral valuations. Actions to Alleviate Your Risk for …

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Performance Appraisals

Using 360 Performance Appraisals for Productivity and Engagement Gains

By K·Coe Editorial | May 8, 2019
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Reading Time: 4 minutes
Banking is certainly at a critical juncture in the evolution of the industry. There are so many tech tools, social media, and innovative practices, but with a need for people drive it all. Are your “people practices” as forward thinking as the new banking app you just rolled out? A …

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