Balance Sheet Basics II, AgFTAP Cooperators

In this second session of *Balance Sheet Basics: Financial Guidance and Insight*, Dr. Ryan M. Loy explores the importance of accurate asset inventory and valuation in assessing farm financial health and managing risk. Using examples of an Arkansas row-crop farm and a specialty crop farm, this presentation demonstrates how market changes, cash flow pressures, delayed payments, and rising labor costs can affect liquidity, working capital, borrowing capacity, and overall financial stability. Learn practical strategies for improving asset valuation, monitoring financial indicators, maintaining cash reserves, and preparing for unexpected challenges. Accurate financial records and proactive planning can help agricultural producers and financial assistance professionals identify risks and make more informed decisions. Presented as part of the Distressed Borrowers Assistance Network (DBAN) Cooperators Training.