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Customer Profitability Analysis and Farm Loan Pricing by Agricultural Banks

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  • Barry, Peter J.
  • Schramm, Rick R.

Abstract

The general objectives of this paper are to further develop procedures for analyzing the profitability and pricing of farm loans by agricultural banks. Following sections review the current setting for farm loan pricing, and develop the principles and procedures of customer profitability analyses (CPA) under conditions of lending and liquidity risks. These procedures are illustrated through an empirical application to farm customers of a commercial bank in Northern Illinois.

Suggested Citation

  • Barry, Peter J. & Schramm, Rick R., 1981. "Customer Profitability Analysis and Farm Loan Pricing by Agricultural Banks," 1981 Annual Meeting, July 26-29, Clemson, South Carolina 279433, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association).
    • Handle: RePEc:ags:aaea81:279433
    DOI: 10.22004/ag.econ.279433
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    File URL: https://ageconsearch.umn.edu/record/279433/files/aaea-1981-159.pdf
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    References listed on IDEAS

    as
    1. Hardy, William E. & Moore, Michael W., 1980. "The Profitability of Agricultural Customers for Commercial Banks in the Southeast," Journal of Agricultural and Applied Economics, Cambridge University Press, vol. 12(1), pages 155-158, July.
    2. Hardy, William E., Jr. & Moore, Michael W., 1980. "The Profitability Of Agricultural Customers For Commercial Banks In The Southeast," Southern Journal of Agricultural Economics, Southern Agricultural Economics Association, vol. 12(1), pages 1-4, July.
    3. Robert E. Knight, 1975. "Customer profitability analysis -- Part I: alternative approaches toward customer profitability," Economic Review, Federal Reserve Bank of Kansas City, vol. 60(Apr), pages 11-20.
    Full references (including those not matched with items on IDEAS)

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    Keywords

    Agricultural Finance;

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