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.
5:30 Meal – Sponsors
6:00 Discussion of the balance sheet, cost or market values, etc., and the ratios calculated from balance sheet data
6:30 Discussion of the income statement, why accrual-adjusted, etc., and ratios calculated from income statement data
7:15 A lender’s perspective on financial analysis, which ratios are more important
when evaluating a loan application, and other considerations
8:00 The importance of records and an introduction to Quickbooks online and FinPack
Location, Dates, and Registration
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.
Date County Building
12/11/2017 Dallas Black Belt Research and Extension Ctr.
1/9/2018 Lauderdale Extension Office
1/10/2018 Limestone Tennessee Valley Research and Extension Ctr.
1/15/2018 Escambia Grace Fellowship Church
1/17/2018 Talladega Extension Office
1/18/2018 DeKalb Sand Mountain Research and Extension Ctr.
1/23/2018 Henry Wiregrass Research and Extension Ctr.
1/24/2018 Macon E. V. Smith Research Center
1/30/2018 Chilton Extension Office
2/1/2018 Baldwin Gulf Coast Research and Extension Ctr.
2/13/2018 Coffee 5 County Complex
2/26/2018 Marion Extension Office
2/27/2018 Tuscaloosa Courthouse Annex
The Alabama Cooperative Extension System (Alabama A&M University and Auburn University) is an equal opportunity educator and employer. Everyone is welcome! ANR-2447
For online registration and
additional information, visit
Dear Chambers officials and neighbors,
The next “What’s Next, Chambers?” forum is Tuesday, November 21st, 2017 at SUSCC-Valley Campus (John Carmichael Building – enter across from the flagpole); start time is 10:00 Eastern. The forum will provide us an opportunity to improve life throughout Chambers County. A few highlights:
• Survey results indicated the following:
o Best days to meet: Tuesday and Wednesday (evenly split)
o Best Start times to meet (all Eastern): 9:00 10:00 11:00 & Noon (evenly split)
o How long to meet: 1 hour
o How often to meet: Every other month
• I will send an Agenda closer to the Forum.
o RSVP: Please let Robin Brown know if you will be attending (NLT November 14th, 2017) at firstname.lastname@example.org so she can have sufficient meeting space.
• Please bring your own snacks/beverage.
• Recorded Notes from the Forums are available at:
o Forum 1 (Where Are We Now?): https://mathewscenter.org/wp-content/uploads/2017/02/WNAL_Chambers-County_1st-Forum_Notes.pdf
o Forum 2 (Where Do We Want To Go?): https://mathewscenter.org/wp-content/uploads/2017/03/WNAL_Chambers_WDWWTG_Recorded-Notes.pdf
o Forum 3 (How Do We Get There?): https://mathewscenter.org/wp-content/uploads/2017/03/WNAL_Chambers_HDWGT_Recorded-Notes.pdf
• Please refer to the enclosed 4/10/17 e-mail for additional information.
We look forward to working together with you!
Chambers County Extension Coordinator
Alabama Cooperative Extension System
Please click on the link below to see this job.
The LaFayette Farmers Market will open Monday, June 20th, 2016 from 3:00 to 6:00 PM CDT at the Chambers County Agricultural Park (1084 AL Hwy 77, LaFayette 36862). Stop by and purchase healthy fruits and vegetables from local farmers. For more Market information or to apply for Market Vendor opportunities, please contact Nell Finley, Community Coalition Farmers Market Coordinator, at (334) 610-5042.
Chambers County Extension will host a Raised Bed and Gardening workshop on Thursday, June 23rd from 8:00 until 11:00 am CDT at the Chambers County Agricultural Park (1084 Alabama Highway 77, LaFayette, AL 36862). Regional Extension Agents Dani Carroll and Dr. Chip East will lead the workshop. We will discuss varieties, trellising, fertilizer, water, and spacing. Please call the Chambers County Extension office at (334) 864-9373 and let us know that you will attend. Alabama Cooperative Extension System (Alabama A&M University and Auburn University) is an equal opportunity educator and employer. Everyone is welcome!
Agri-tourism can take many forms. Roadside stands and farmers’ markets offer farm-fresh produce and interaction with growers. Farms may open to the public for wildlife watching and hunting. Ag tours, on farm bed-and-breakfasts, and dude ranches give tourists the fresh air, open space, and relaxation of country life.
U-pick operations, pumpkin patches, Christmas tree farms, hay mazes, farm-animal petting zoos, wine tasting, ag heritage museums, festivals, and fairs all attract visitors.
Find your Agri-Tourism destination today!