ENHANCING THE PERFORMANCE OF RISK-RATING MODELS AT COMMUNITY BANKS
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The study identifies important criteria that should be used by lenders in risk-rating of their farm customers. Comparisons of model results are made to assess how robust model results are over time. Linear and logistic regression is used to determine that the debt-to-asset ratio is a major predictor of repayment ability and the asset turnover rate and family living expenses are strong predictors of farm performance.