nivens’ notes
Greetings from the Board Room:
Another year soon to be in the books. Pleasantly
surprising compared to what was anticipated a year ago.
Modest growth, remarkable credit quality, and strong
earnings. With the next couple of board meetings, the
Association’s business plan for 2016 will be finalized.
James Nivens, Chairman of the Board
I imagine our members are doing some of the same
calculations with their own operations. We all share the
same issues. Weather is near the top of the list with crop
and livestock prices. Real estate values are always part
my grandmother to gather eggs. Typical “free range”
of the equation. And not which way do interest rates go
operation at the time. My grandparents maintained a
but when and how much. Pretty much a repeat of our
couple hundred hens and each Saturday delivered the
concerns last year.
eggs to the local exchange. Quite a contrast to Austin
and Dustin’s operation of 20,000 he