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How Does a Lender Determine Whether to Renew My Line of Credit?

How Does a Lender Determine Whether to Renew My Line of Credit?

It is just like school - you take the exam and your answers show your financial health

  1. Do you have a balance sheet and an income statement?
  2. Do you have enough cash or liquid assets to pay off your short-term debt?
  3. Do you have more assets than liabilities?
  4. What is your rate of return on farm assets?

Lenders calculate financial ratios from the data on your balance sheet and income statement to analyze your financial position.

Workshop Agenda

Time Topic
5:30 p.m. Meal
6:00 p.m. Discussion of the balance sheet, cost or market values, etc. and the ratios calculated from balance sheet data – Extension
6:30 p.m. Discussion of the income statement, why accrual-adjusted, etc. and ratios calculated from income statement data – Extension
7:00 p.m. Break
7:15 p.m. A lender's perspective on financial analysis, which ratios are more important when evaluating a loan application, and other considerations – Lenders
8:00 p.m. The importance of records and an introduction Quickbooks online and FinPack – Extension

Locations, Dates, and Registration

Registration Fee: There is a registration fee of $10 per person. Pre-registration is strongly encouraged. Programs with fewer than 10 individuals pre-registered will be canceled.

TO REGISTER: (1) online and pay via credit card, click the Register link for your preferred workshop below; or (2) mail a check to 301 O. D. Smith Hall, Auburn University 36849-5608 made payable to Auburn University specifying the location and workshop; or (3) call (334) 844-5100 to register by phone.

Online Registration

County Date Location Contact


January 9, 2018 Extension Office
802 Veterans Drive
Florence, AL
Heidi Tilenius
(256) 766-6223


January 10, 2018 Tennessee Valley Research and Extension Center
9494 Experimantal Loop
Madison, AL
Robert Page
(256) 201-2465


January 15, 2018 Grace Fellowship Church
1412 East Nashville Avenue
Atmore, AL
Anthony Wiggins/Ken Kelley
(251) 867-7760


January 17, 2018 Extension Office
130 N. Court Street
Talladega, AL
Henry Dorough
(256) 362-6187


January 18, 2018 Sand Mountain Research and Extension Center
13112 AL Highway 68
Crossville, AL
Robert Page
(256) 201-2465


January 23, 2018 Wiregrass Research and Extension Center
167 AL Highway 134 East
Headland, AL
Jessica Kelton
(334) 693-3800


January 24, 2018 E. V. Smith Research Center
4725 County Road 40
Shorter, AL
Jessica Kelton
(334) 693-3800


January 30, 2018 Extension Office
504 First Avenue North
Clanton, AL
Gay West
(205) 280-6268


February 1, 2018 Gulf Coast Research and Extension Center
8300 State Highway 104
Fairhope, AL
Ken Kelley
(251) 238-0373


February 13, 2018 5 County Complex
1055 East McKinnin Street
New Brockton, AL
Gavin Mauldin
(334) 894-5596


February 26, 2018 Extension Office
372 7th Avenue Southwest
Hamilton, AL
Lisa Murphy
(205) 921-3551


February 27, 2018 Courthouse Annex
2513 7th Street
Tuscaloosa, AL
Lisa Murphy
(205) 349-4630

For additional questions about the program email Robert Tufts or call (334) 734-2120.