financial highlights Net Income As of 9.30
As of 12.31
Total Assets $76.8 Million
2015
As of 9.30
$76.3 Million
2014
$98.9 Million
2014
$111.2 Million
2013
As of 12.31
$7.3 Billion
2015
$6.6 Billion
2014
$6.8 Billion
2014
$6.5 Billion
2013
Commodity Breakdown As of 3.31 Beef
Field Crops
Vegetables & Melons
Other
18.7% 11.6% 10.8% 9.9%
9.8%
9.8%
4.5%
22.7%
Permanent Capital Ratio
Credit Quality
Vineyard & Wineries
Dairy
Forest Products
2015
20.14%
2014
21.12%
Tree Fruits & Nuts
1.67% OAEM
As of 9.30
.93% Substandard
2.0% OAEM
As of 9.30.15
1.6% Substandard As of 9.30.14
97.4% Acceptable
96.4% Acceptable
american agcredit Offices 800.800.4865 Pacific Time 800.799.6545 Mountain Time 800.466.1146 Central Time INTERMOUNTAIN
NORTHERN CALIFORNIA Eureka, CA Petaluma, CA Santa Rosa, CA St. Helena, CA Ukiah, CA
CENTRAL CALIFORNIA Merced, CA Oakdale, CA Salinas, CA Stockton, CA Turlock, CA
Alturas, CA Elko, NV Fallon, NV
Reno, NV Tulelake, CA Yreka, CA
MOUNTAIN PLAINS Durango, CO Grand Junction, CO
Greeley, CO Montrose, CO
HEARTLAND Concordia, KS Great Bend, KS Hutchinson, KS Kingman, KS Ponca City, OK Pratt, KS Salina, KS Wichita, KS
SOUTHERN CALIFORNIA Ontario, CA Temecula, CA Palm Desert, CA
CAPITAL MARKETS Salinas, CA Eureka, CA Lake Oswego, OR Santa Rosa, CA Roseville, CA
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