By Matt Ritenour
With the March 15 crop insurance deadline quickly approaching for corn and soybeans, there is a common question on many farmers’ minds: how will the new Farm Bill affect my crop insurance coverage, and what will that mean for my out-of-pocket costs?
The good news is that the previous crop insurance subsidy levels and products are still in place so that producers don’t have to learn about new products and possibly make rash decisions before this week’s deadline. Longer term, the Farm Bill will result in numerous innovative features for the crop insurance program.
What Producers Should Look at for the 2014 Crop Year
Because changes to crop insurance options won’t be in place until next year, for now, producers need to make sure they have the right coverage in place for 2014. The spring prices for corn and soybeans are down considerably from 2013 and that has lowered crop insurance guarantees. With lower prices and tight margins, it is critical that producers have ample coverage in place in case of natural disasters or market fluctuations.
Farm Credit is committed to helping farmers meet their business goals, and risk management is one step in the process. Producers with risk management questions can reach out to their local Farm Credit Association, which can put you in touch with a crop insurance agent who can explain your coverage options. Remember that the Spring deadline for crop insurance policies is March 15 so coverage is in place before the first seed is planted – if you haven’t already done so, talk to your crop insurance agent this week.
Probable New Crop Insurance Features for 2015
Looking forward to next year, farmers will see some new crop insurance options thanks to the recently passed Farm Bill, for which specific rules are being written to fully implement the Bill’s legislative intent. Luckily, this means that farmers will have plenty of time to study their options before making a decision on 2015 coverage.
Following are just a few of the expected crop insurance changes, including features that will allow farmers to better shape their risk management protection to fit the needs of their individual operations.
- The new Farm Bill may allow producers to exclude any year from their insurable production (their Actual Production History or APH) if the county’s yield for the crop in that year is at least 50 percent below the previous 10-year average yield.
- New and beginning famers may also be eligible for a premium reduction and adjustment to production histories if natural disasters have depressed the current Actual Production History yields.
- Whole farm insurance will be offered, which might provide better risk management solutions for smaller more diversified operations.
- The Enterprise Unit discount–which was previously a pilot program–will be made permanent. Separate enterprise units will also be available for irrigated and non-irrigated crops.
- An innovative provision will also allow USDA compliant organic crops to reflect actual retail or wholesale prices.
- Crops grown for bioenergy, organic production, alfalfa and specialty crops will also see expanded risk management options.
- Additional conservation program compliance must also be met in some areas for producers to receive full subsidy support.
Crop insurance is an important risk management tool (learn more about crop insurance basics). Farm Credit is available to discuss your risk management options and to help you find a crop insurance agent. Contact your local Farm Credit Association to get started.
Have a safe and productive growing season!
THE BUSINESS OF AGRICULTURE: CROP INSURANCE BASICS
By Rachel Meyer
Crop insurance is a critical component of agriculture today, impacting not only farmers who directly participate in the program, but also local communities, businesses and lenders. Many Farm Credit System Associations offer crop insurance, and according to National Crop Insurance Services, “More than 86% of insurable farmland in the United States is now protected through the Federal Crop Insurance Program.”
The Federal Crop Insurance Program
The Federal Crop Insurance Program offers risk management tools to America’s agricultural producers. Today, moe than 100 commodities can be insured to protect against a multitude of perils like disease, catastrophic weather or other crop or livestock issues. With the advancement of the program, producers have many choices when it comes to purchasing insurance depending on their operation’s needs.
Federal crop insurance is administered by Approved Insurance Providers (AIPs). These AIPs contract directly with licensed agents, who work directly with the farmers to offer the products and provide the policy servicing, including the annual reporting of acres and production. Claims are submitted by the agents, but they are worked exclusively by the AIP’s adjuster team.
The Importance of the Sales Closing Date
The Sales Closing Date (SCD) is the final date that a crop insurance application can be filed, and the last date that an insured can make coverage changes to an existing policy, including adding new crops or counties. Typically, this date falls in advance of planting the crop, so that decisions are made for the year before the first seeds ever go into the ground. You can find the SCD in the Special Provisions of Insurance in your policy for each crop.
March 15th Sales Closing Deadline – What You Need to Know
March 15 is the next SCD for a large portion of the U.S., so producers should be talking with their agents now about their 2014 coverage. You should never let an SCD pass without discussing all portions of your application with your agent. The smallest detail, such as a change in the marital status of a landlord, can have detrimental impacts on coverage at claims time if not corrected.
This year also marks the introduction of many new private product offerings. These products range in type and structure depending on the insurance provider, so it is crucial to discuss these options with your agent before the SCD.
Critical policy considerations to discuss with your agent at each SCD:
- Is the “Named Insured” on the policy correct?
- For the “Named Insured” on the policy, is the entity correctly identified?
- Is your previous coverage level adequate today with lower prices, and in some situations, lower APHs?
- Is the state and county correct for all crops insured under the policy?
- Is the Tax ID number correct for the insured entity?
- Has there been a change in marital status for the insured? Any landlords?
- Are all persons with a Substantial Beneficial Interest (>10%) in the insured entity listed on the policy? Does someone need to be added/deleted?
- Is the spelling of all names correct for insureds, spouse & SBIs?
- Is all contact information for the insured still correct? (phone, address)
- Have you added any land since last year? Any new counties? New crops?
- Are you farming any land that came out of CRP recently? Will you farm some that is about to be released?
- Are you breaking any land out of native pasture, or do you have land that has not been farmed in one of the last three years?
Regardless of your experience with crop insurance, from seasoned user to first time farmer, talk to your agent before the March 15 deadline. It could make a major difference if you do suffer a significant loss.
Matthew, tell us about yourself.
I grew up in Rural Retreat, Va., where I still
live today with my wife and family. After high
school I attended college and graduated from
Virginia Tech in 2010 with my B.S. in Dairy
Science. During sophomore year in college, I
started investing in my own cow-calf operation.
For many generations my family has been
involved in farming. So, I have been doing
this all of my life.
What kind of operations are you
I was born and raised on a dairy farm which
was originally started by my granddad who
is now in his 80s. We are currently milking
160 dairy cows. The dairy has always been
such a big part of my life, but I decided to
branch out into the beef industry as well. I
also grow a lot of grain crops. I think that
diversification is an important aspect when
you are looking to grow.
How did you get started in the
My sophomore year at Virginia Tech I bought
eight bred Angus heifers. Since then I have
been buying and keeping replacement heifers
in order to grow my herd. This operation has
grown quite a bit since I first started only a
few years ago. This spring I am looking to
calve 100 commercial and registered Angus.
What kind of crops do you plant?
We farm more than 1,000 acres. It could be
fenced in and we could increase the number
of head we have, but instead we plant a variety
of grains. We typically plant 140 acres of grain
wheat, 80 acres of grain corn, and 30 acres of
barley. In addition to that, we plant 10 varieties
of non-GMO corn.
Who do you sell your crops to?
We sell a lot of wheat to farmers to use as a
cover crop. That isn’t something we advertise,
we simply rely on word of mouth. We also
sell our wheat to local mills. Manell Milling in Roanoke, Va., takes our wheat and turns
it into flour. The corn we grow is also sold to
local mills and distilleries.
How do you market the crops to the
mills and distilleries?
We get a head start on this process before we
even begin to plant. I will go to the mills and
distilleries and find out how many acres of
each grain they want and plant accordingly.
That eliminates me from planting too much of
certain crops and then having to store them.
The barley, rye and corn we are growing will
be advertised for human consumption and
for the production of corn liquor within the
next year or so.
What kind of support team do you
have on the farm?
My granddad and my brother help out a lot.
They both love farming and its great having
them here to help support me and to support
the growth of the family farm from generation
How has Farm Credit helped you?
Farm Credit didn’t hesitate to help me get
started with my initial operating loan. I didn’t
have a W-2 or capital to show, but they still
helped with getting me my first loan. If it
wasn’t for them I wouldn’t have been able to
purchase the fertilizer I needed for my first
grain crop. As the farm continues to grow so
do my operating costs, but they continue to
help finance me. They even helped with the
purchase of my first house. And now I am
looking to purchase an adjacent piece of land
and I have been seeking assistance with that
from my loan officer.
What have been your biggest obstacles?
There are always obstacles when it comes to
farming. Having high calf mortality rates is a
big obstacle when there is inclement weather.
Selling grain is tough because when you plant
them they could be high, but when you go to
harvest the prices could have dropped. Dealing
with distilleries and mills keeps that from
happening since we make the deals prior to
planting. The price is negotiated with the cost
of planting in mind whether or not the price
increases or drops.
What have been your greatest
Increasing my yields per acre on the crop side
of my operation is a pretty big accomplishment.
That is what I shoot for. It lets me know that I
am doing it right and that I can keep moving
forward. Having increased weaning weights
every year is also a big accomplishment. It
means more money in my pocket and more
money that I can put back into the farm.
What would you say have been your
keys to success?
My granddad is a walking history book. I have
learned and I continue to learn so much from
him. I think looking to your elders for answers
to questions is sometimes the best place to get
information especially when they’ve had the
experience of being in the same situation you
are in now. Talking to experienced people in
your field is very beneficial and has helped
me a great deal. For instance, I never hesitate
going to my local Southern States when I have
questions that need answered. Hard work
and consistency are a must. The people you
are selling your product to want something
consistent especially when you are talking
about human consumption. This is a great way
to build your reputation, but if it’s not taken
seriously it can also ruin your reputation.
By: Jenna Mullins
Kenneth Hodges, President of H &M Logging, Inc. in South Boston,Va., may not have any diplomas hanging on his office walls to brag about, but that has not held him back for one split second. In fact, Kenneth recognized the benefits of hard work at a very early age and contributes his success today to just that. Due to some hard times as a child, Kenneth knew by the age of eight that if he was going to survive he was going to have to roll his sleeves up and get to work. Over the years, Kenneth’s drive to work has only intensified and to this day, he still has his sleeves up digging for new opportunities to expand and improve H & M Logging.
The Start of a Successful Career
At the age of 10, Kenneth was already helping neighbors mow grass and work in tobacco fields. When he was 12 years old he went to work for Anthony Miller who had a small sawmill and grew tobacco. By 1972, Kenneth had saved $3,300 dollars which he earned working. Too young to get a driver’s license, Kenneth bought a new tractor for $6,000 at the age of 12, and had it paid off in four years. Other kids made fun of him for buying a tractor versus a car, but Kenneth did not care because he knew he could legally drive a tractor and make money with it doing small jobs for local farmers and loggers. Kenneth was quick to realize that he liked working better than going to school, so he dropped out of school at the age of 16 and went to work fulltime for Mr. Miller. At the age of 19, Kenneth married his wife, Mary, and bought a house. Not making enough money to make ends meet, he quit working for Mr. Miller and went to work washing cars for $160 a week. Kenneth loved working outdoors, but washing cars was not the same as working in the woods. “It would make me sick to see all the log trucks driving by heading to the yard,” says Kenneth. After washing cars for a year or so, Kenneth was ready to get back in the woods and do what he really loved. With timing in his favor, Mr. Miller who was 65 years old at the time came to him and asked him to become a partner in his logging business. Mr. Miller had a lot of old equipment that needed to be upgraded and wanted everything new to be put in Kenneth’s name. Eager to give it a shot, Kenneth and Mr. Miller formed M & H Logging, each owning 50 percent of the business. They had plenty of wood to cut, but needed new equipment. Kenneth started by buying a new loader, a reconditioned skidder and five 10-wheel trucks. The use of the new equipment increased their production from three to four 10-wheel truck loads to 40 10-wheel truckloads of logs a week. With age catching up with him, Mr. Miller decided he wanted out of the business in 1986. He sold 49 percent of the business to his son and another one percent to Kenneth, so Kenneth would own a total of 51%. At this point the name of the business was changed to H & M Logging, Inc. The two of them expanded the business and bought several pieces of new equipment over the next few years. In 1989, Kenneth bought his partner out but left the business name the same. With the economy doing well and fuel prices being in check, H & M Logging was really making tracks. In 1996, Kenneth had grown to the point that he had to start having multiple crews working in the woods. By 1998, H & M H & M Logging was cutting logs for eight different companies. In need of a shop, Kenneth bought a tractor dealership that was going out of business. It included a shop and three acres. The owner had another 157 adjoining acres that Kenneth was able to purchase in 2000.
A Different World to Work In
Up until 2008, buying equipment, timber, rental houses and land was not an issue for Kenneth. From the first tractor he bought at age 12, Kenneth has been diligent about getting his purchases paid off as fast as possible. When the economy crashed and fuel prices reached more than $5 a gallon in 2008, things got a lot tighter for H & M Logging. “When fuel prices go up, it really hurts! We buy 10,000 gallons of fuel a week. A $0.50 increase in fuel results in $5,000 of money out of my pocket a week. That is $20,000 a month, which is a payment on several pieces of equipment. If fuel goes up a $1 a gallon, that is $10,000 a week out of my pocket and my machines don’t run any better,” says Kenneth. In addition to today’s fuel prices, Kenneth finds it is harder than ever to find good experienced employees. He also struggles with the rising costs of needed materials such as oil, antifreeze, parts and equipment. Today’s challenges make the logging industry a different world to work in than it once was, but Kenneth deeply loves his way of life and knows there is nothing to do but dig in and find a way to make it happen.
From One Generation to the Next, the Love for Logging in the Hodges Family Lives On
Kenneth and Mary’s 30-year-old son, Kevin, has been in the midst of things from the time he was born. Kevin went to college and got a master’s degree before coming back home and working for the family business. In 2011,Kenneth sold half of his equipment to Kevinso he could get started with his own business. Production at H & M Logging was knocked back for about three years, but Kenneth is back to logging around 80 acres or the 280 to 350 tractor trailer loads of logs a week that he was before selling half of his equipment to Kevin. Today Kevin still utilizes his father’s shop and parking lot, but runs his own successful business. Kevin’s son, KJ, who is only five years old, already has taken an interest in the business. With idols like his dad and grandfather, KJ will have big boots to fill one day, but without a doubt it is already evident that logging is in his blood. Kenneth and Mary also have another son named Kenneth Jr. and two other grandchildren named Nevaeh and Kristian.
The Way Things Look Today
Even though 2008 to 2012 was a trying time, H & M Logging is still in full swing. Currently Kenneth has eight crews of three men working in the woods six days a week; 19 log truck drivers; four subcontracted log truck drivers; four mechanics; one parts man and two secretaries, one of which is his wife. Mary also serves as treasurer of the business. Kenneth is the driving force behind H & M Logging. He is active in all parts of the business, but is the one who handles all of the timber purchases whether it be on a per unit basis, a lump sum basis, the purchase of the land and timber together or on a subcontracted deal under other companies. Whether it’s producing fuel chips, thinning pines, or clear cutting hardwoods, Kenneth is willing to do whatever it takes to keep H & M Logging pushing forward. He also enjoys buying rental houses and land that he can resell for a profit. “I like to make something else happen each week besides just cutting 280 to 350 loads of logs,” says Kenneth. With as much as Kenneth has going on, he has found Farm Credit to be one of the best lending companies he has ever dealt with. “Farm Credit is a good company. They go out of their way to make the process as easy as possible. I should have been with Farm Credit long before I started with them in 2005. The cash rebate Farm Credit gives each year is an added bonus,” says Kenneth. Kenneth Hodges is most certainly a driven person who is constantly looking for ways to better H & M Logging. He takes pride in doing jobs right instead of looking for the quickest way out. Kenneth values his workers and strives to keep them safe on the road, in the woods, and in his shop. Kenneth’s childhood may not have been the ideal situation, but the hard times he experienced molded him into the person he is today. The success of H & M Logging, Inc. did not happen overnight, but one thing is for sure, Kenneth has not wasted anytime in making it into what it is.
Mentorship has been an enduring practice over the generations. Many of you can probably recall older family members, teachers, coaches or neighbors who were there to guide you through your journey of life’s pursuits. A new angle I’ve observed is that now mentors are utilizing mentees or those in the younger generation as a means of energizing or rebooting their own career, business or lifestyle aspirations. With the rapid changes in technology and innovation coming in the global marketplace, this new angle on mentoring can be seen throughout the agricultural industry by progressive-minded individuals representing the older generation.
Lifelong Learning Experience
Farm Credit University’s AgBiz Planner is a classic example of how the two ends of the spectrum benefit from a mentor-mentee relationship. At this year’s face-to-face educational session and graduation ceremony in Raleigh, N.C., mentors were asked what they learned from the producers they mentored over a five month educational experience with the ultimate goal of the mentees developing a business plan. The lenders serving as mentors shared some perspectives.
The Energizer Bunny is Back
One mentor mentioned that he was reenergized in his job by witnessing the passion, initiative and enthusiasm of the younger generation entering agriculture and developing a business plan to meet their business and lifestyle aspirations. Simply said, how could one not get excited being around the new crop of agriculturalists? There is a saying that when you place a new dog with an old dog, the old dog’s energy picks up. With the transition and evolution of business and the workforce being a top priority in the ag lending industry, progressive experienced lenders are teaming up with the next generation to take their business or career to another level.
Thinking Outside of the Box
Other mentors found mentorship brought on a whole new appreciation for learning about agricultural enterprises with which they were not familiar, and new innovations or production methods in the agricultural industry. In today’s fast-paced, interconnected global marketplace, remaining at the status quo concerning innovation strategy can result in obsolescence or, even worse, extinction within a five-year period. The mentors or “old dogs” were forced to think outside the box and develop new perspectives on the evolving 21st century agricultural marketplace.
People and Relationships
Others indicated that being a mentor to young or beginning producers helped them to develop a deeper bond and relationship with potential new customers and their families. One producer mentee stated that the educational experience of going through the AgBiz Planner with their mentor was beneficial since the mentor acted as a teacher, sharing experiences and institutional knowledge, and holding the participant’s feet to the fire on deadlines. In some instances, mentors acted as the coaches and the motivators, while in other situations they were facilitators helping to navigate through the online modules and work exercises applied to the business. Mentors also assisted in putting the final touches on the producer’s business plan. Now it will be up to
the younger generation to execute the plan in the games of business and life. Many of the producer participants were either going through family business transition or starting up their operation from scratch. For those producers in transition, mentors stated that they appreciated learning about the producers’ family and business history. In those situations where producers were starting from scratch, mentors enjoyed assisting the beginning producers map out realistic goals for their business, family and personal life. Others found that this extended educational experience with a producer helped match the producer’s strategies and goals with theproducts, services and vision of the Association. There’s an old saying in life that one does not go through the journey unassisted. The AgBiz Planner and other blended and online educational programs offered by Farm Credit University are mentor-based courses to facilitate institutional knowledge transfer from the senior to the junior generation. One of the unexpected benefits of this structure has been mentor revitalization in the process of developing the next generation of agriculturalists.
Virginia grower saves money by going to mechanization
A fter years of spending money on labor, Scott Terry of Keeling, Va., investigated other options. He test drove a couple of mechanical harvesters and was impressed. However, Terry thought perhaps he was getting ahead of himself. Instead of buying a harvester, he purchased a used 2006 Granville precision leaf loader with the financial help of Farm Credit of the Virginias.
“There’s no way I would be where I’m at without Farm Credit,” Terry says. “Credit is important, especially to a young grower like me.”
He also gets an operating loan to help with planting and paying bills. “Farm Credit understands the farmer and understands that some years are good, and some years are bad,” Terry says. “Farm Credit is involved and knows what’s going on.”
In addition to buying a leaf loader, he converted his 5-foot by 18-foot trailers to a drag belt system. Terry placed a four-inch pipe in the rear, installed bearings on each side and attached a hydraulic motor to make the pipe turn. The pipe moves the belt that brings the leaves from the front to the back of the trailer and dumps them into a transition box on the leaf loader.
Terry first used his leaf loader in 2013. “It used to take nine workers to load one box in one hour,” he says. “I’ve cut back to about five workers.” At $10 an hour per person, he cut his costs by almost half. Terry couldn’t be more pleased with his decision. “I love how the boxes are loaded,” he says. “I have more airflow at the back of the barn.” He loads the first box 50-pounds heavier than the rest of his boxes. That box is near the circulating fan and the heat exchanger. The tightness of the box helps to force air up and around toward the middle and front of the barn. The last box he loads about 50-pounds lighter.
“That way throughout the seven- or eight-day cure, it just cures the same,” he says. “It don’t matter which box you look at. It yellows the same as the back box. It just makes the whole barn cure even, because I’m weighing the box with the leaf loader.
“When I was loading by hand, it was no way to weigh it,” Terry continues. “I just told all of my workers load it up to about half way, close the partition then fill it up the rest of the way. It’s so many variables in there. Half full to me can be a whole lot different than half full to you.”
Time of harvest can make a difference. If he harvests at 6 a.m. the tobacco is wet and puffy from the dew. His workers cannot fill the boxes as full. If he harvests at 10 a.m. the tobacco has dried off some and is easier to pack, causing that box to weigh more. So Terry makes adjustments.
“If the tobacco is soaking wet from dew or rain, I can cut back on my weight,” he says. “If I cut back on my weight, then the air can get to it quicker and dry the water off of it.”
With each box weighing the same, Terry says the dried leaves order the same. “That was one thing we had trouble with when you had different weights and different boxes,” he says. “When you went to bale it, if the box didn’t have very much weight in it, it would be so high in order it might not pass the Malcam [measures the tobacco’s volume of moisture and density] and then you’d get to a box that was real dry. Now, it doesn’t matter where you check the tobacco in the barn, the front box and last box is uniform.”
In the future
Terry can invision mechanizing more, perhaps purchasing a mechanical harvester. “I think the leaf loader is the first step of mechanization if you want to go to the harvester,” he says. “It opens a lot of opportunities for other things.”
He also won’t forget his crop insurance for 2014. “Crop insurance lets me sleep at night,” Terry says. “It’s such a fine line on profit mar-gin. If I get hit at the wrong time and I’ve got all that money tied up in it, I could lose it all.”
He recalls a few years ago when a bad storm laid down 17 acres of tobacco on the ground. “I had a whole lot invested,” he says. “Thank goodness for crop insurance. It at least allowed me to break even.” TN
Farm Credit of the Virginias recently completed the 2013 director election by mail after receiving all ballots. The members elected to serve a four year term are Donald W. Reese, Ronald L. Bennett, James F. Kinsey and Donna Brooke-Alt.
Donald W. Reese (incumbent), 48, is from Scottsburg, VA where he manages his family vegetable farm, Reese Farms, Inc. along with his father and brother. Reese also owns and operates, along with his wife, Sara, Reese’s Farm Fresh Produce, a retail produce and greenhouse operation with two locations. He is a member and former board member of Halifax County Farm Bureau and serves on the Halifax County FFA Advisory Committee. He is an active member of the Scottsburg Baptist Church, serving as a deacon, Sunday school teacher and youth leader. Mr. Reese graduated from Virginia Tech with a B.S. in Animal Science. He and Sara have three children, Will 21, Kent 18 and Sara Beth 15. Mr. Reese has been a Farm Credit director since 2006.
Ronald L. Bennett (incumbent), 60, of Covington, VA is owner/operator of Watahala Dairy Farm. He operates the family dairy in Alleghany County with his wife Rebecca, father Harry and sons Ronald J. and Elijah. The family has been Farm Credit members for over 64 years. Mr. Bennett serves on the Alleghany County Farm Bureau Board, the Alleghany/Rockbridge/Bath F.S.A Board and on the Dairy Advisory Committee for Virginia Farm Bureau. He is a lifetime member of Rich Patch United Methodist Church. Mr. Bennett has been a Farm Credit director since 2003.
James F. Kinsey, 34, of Flemington, WV is owner/manager of Kinsey’s Oak Front Farms which is a 200 head seed stock Angus Farm. Prior to farming full time, Mr. Kinsey was a livestock specialist for the WV Department of Agriculture and was an Executive Director for the WV Farm Bureau.
Donna Brooke-Alt (incumbent), 48, of Keyser, WV owns and operates Brookedale Farms, LLC, a greenhouse/agritainment/vegetable produce operation with her husband Donnie. Currently, she is serving as President of the operation. She has been president and a partner with her brother Bill in Brookedale Holsteins Inc., a 100 head dairy operation since 1986. Because of her love for agriculture, she takes every opportunity to educate the public about farming. In the months of September and October, Brookedale Farms has daily tours to show school kids the importance of agriculture. Ms. Brooke-Alt is very active in the community serving as an advisor on the Potomac State College Agricultural Advisory Board, a director of the Mineral County Farmland Protection Board, a director for the Mineral County Farm Bureau Board and also for the Mineral County Family Resource Network Board. She is a member of the Mineral County Farm Service Agency Committee, Master Gardner Organization and Mineral County Farmers Market Association. She is also the treasurer of the Mineral County Youth Livestock Board. Ms. Brooke-Alt has always been involved with 4-H/FFA on the county and state levels, but looks forward to being even more involved now that her oldest son is an FFA member. The Brooke-Alts are longtime members of Trinity United Methodist Church where Ms. Brooke-Alt has served as chairman on the Pastor Parish Relationship Committee. She is currently serving on the Audit Committee for Farm Credit of the Virginias. Donna has also served as a Chairman of the Communication Advocacy Program Committee and Chairman of the District Advisory Committee, which connects our farmers and Farm Credit of the Virginias needs with our legislators in Washington, DC as well as in our states. She was on the planning committee for an FCC Leadership Institute Seminar for Farm Credit Directors. S. Brooke-Alt has been a Farm Credit director since 2003.
Members elected to the 2014 Nominating Committee are: Phillip W. Goodwin, Jr., Wayne Todd Harris, Gary L. Dutton, John V. Morgan, Jr., Stacy A. Call and James H. Durham.
Farm Credit of the Virginias provides more than $1.5 billion in financing to rural homeowners, farmers and landowners in 96 counties in Maryland, Virginia and West Virginia. The Farm Credit mission is to provide a reliable source of credit for American Agriculture by making loans to qualified borrowers at competitive rates and providing insurance and related services. Please visit our website for more information on how we can assist you and meet your needs. http://www.farmcreditofvirginias.com