Providing expert business insights, regulation updates, and savvy financial solutions.

Pinion Insights

Regional Industries - Community Banks

HMDA – Confidence that you are “Getting it Right” in 2020

By K·Coe Editorial | January 8, 2020
Reading Time: 2 minutes
Having to perform a “regulator mandated” Home Mortgage Disclosure Act (HMDA) resubmission is hard work. And, if you don’t put the work in before you submit your Loan Application Register (LAR), you may get the opportunity to do just that anyways. As we begin the New Year and wrap up …

Read moreHMDA – Confidence that you are “Getting it Right” in 2020

Noteworthy Changes within the New Farm Bill

Selling Land Can Be a Game Changer in Tough Times

By K·Coe Editorial | December 30, 2019
, , , ,
Reading Time: < 1 minute
With an honest viewpoint heading into 2020, there is no sharp improvement or further downturn ahead. Many farmers deem ‘selling land’ as unthinkable.  K·Coe’s ag strategists advise keeping an open mind.  When handled correctly, it can be a viable (and secure) option for cash-strapped farm operations. “The cash you can …

Read moreSelling Land Can Be a Game Changer in Tough Times

FSA Enrollment Deadlines

3 Categories of Financial Health: Where does your ag operation sit?

By K·Coe Editorial | December 23, 2019
, , ,
Reading Time: < 1 minute
Now is the time to take a good look at where your operation stands, to determine the financial health path you should take for 2020.  It doesn’t take a financial expert to tell you that businesses without plans have lesser chances of survival – in fact, 50 percent of businesses …

Read more3 Categories of Financial Health: Where does your ag operation sit?

mergers

Joining Forces: How to Survive and Grow with Purpose

By K·Coe Editorial | December 20, 2019
, , , ,
Reading Time: < 1 minute
“Joining forces with another farm can increase efficiencies or offer opportunities of scale,” advises Maxson Irsik of K·Coe Isom. The Benefits of Mergers, Joint Ventures and Creative Partnerships: Diversification of farm operations, land base, crops or livestock. Build cash flow or grow market share. Bolster the viability of your succession …

Read moreJoining Forces: How to Survive and Grow with Purpose

CARB

Pinion Earns CARB Accreditation for LCFS Verification

By K·Coe Editorial | December 19, 2019
, , ,
Reading Time: < 1 minute
The California Air Resources Board (CARB) finalized amendments to the Low Carbon Fuels Standard (LCFS) which became effective January 1, 2019.  One notable change within these amendments is the requirement to complete a third party LCFS validation of fuel pathway applications, as well as a third party LCFS verification of …

Read morePinion Earns CARB Accreditation for LCFS Verification

Today's Women Affecting Change in a Challenged Ag Market

Today’s Women Affecting Change in a Challenged Ag Market

By K·Coe Editorial | December 17, 2019
, , ,
Reading Time: 2 minutes
By Jeanne Bernick, Principal and Growth Leader, K·Coe Isom Back in 2010, a report established that a high level of ‘social sensitivity’ – a trait predominantly exhibited by women – had the potential to impact the safety, security, and sustainability of our food system.  Gradually, a steady shift has been taking …

Read moreToday’s Women Affecting Change in a Challenged Ag Market