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Summer 2015

Inside:

Director Connections

Rambo Nurseries: A Blooming Business

Resilient and Agile: Keys to Success

Property for Sale

Leaderis published quarterly for stockholders, directors and friends of AgGeorgia Farm Credit.

PRESIDENTJack C. Drew, Jr.

BOARD OF DIRECTORSEdward M. Beckham IIJack W. Bentley, Jr.W. Howard BrownBilly J. ClaryDan N. CrumptonGuy A. DaughtreyHoward LawsonRonney S. LedfordJoseph M. MeeksRobert G. (Bobby) MillerRichard David (Dave) NeffJ. Dan Raines, Jr.George R. ReevesAnne G. SmithDavid H. SmithGlee C. SmithFranklin B. Wright

EDITOR & SENIOR MARKETING SPECIALISTRhonda Shannon

PUBLISHING DIRECTORPadgett Mozingo

DESIGNERSAthina EargleDarren Hill Amanda SimpsonTravis Taylor

PRINTERProfessional Printers

CIRCULATIONKathi DeFlorio

Address changes, questions, comments or requests for copies of our financial reports should be directed to AgGeorgia Farm Credit by writing P.O. Box 1820, Perry, GA 31069 or calling 800-768-FARM. Our quarterly financial report can also be obtained on our website: www.aggeorgia.com Email: [email protected].

COVER PHOTOThe geranium is one of the many plants grown by Rambo Nurseries at their facility in Dallas, Georgia.

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Table of Contents

AGGEORGIA.3.SUMMER 2015

Table of Contents

Congratulations to Greg Davis, 2015 Tift County Farmer of the Year

A 3rd generation farmer, Davis operates 1,500 acres consisting of watermelons, peanuts, cotton and corn. He lives and farms on land that was passed from his grandfather to his father. Davis purchased his first farm in 2013. …

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It is safe to say that Sam Rambo loved his grandmother. As a child, he enjoyed spending time with her, and on most occasions that meant working with her in the garden. Boxwoods, azaleas and other shrubbery seemed to spawn many conversations and lessons for the Cobb County native. But those enjoyable times and memories also birthed something unexpected: a love and appreciation for …

I met David Smith in an old store building alongside a railroad track built during the Civil War era governorship of Joseph Brown. Owned by the Smith family, the renovated building now serves as a venue for meetings of the Euharlee Farmers Club, local Extension, and family get-togethers. The appreciation for old-meets-new is appropriate, as we sit and talk about …

Page 4

4 Director Connections

6 Resilient and Agile: Keys to Success

8 Rambo Nurseries: A Blooming Business

12 Association Accolades

14 Association News

15 Insurance Reminder

17 Property for Sale

Director ConnectionsProfiles from AgGeorgia Farm Credit’s Board of Directors

I met David Smith in an old store building alongside a railroad track built during the Civil War era governorship of Joseph Brown. Owned by the Smith family, the renovated building now serves as a venue for meetings of the Euharlee Farmers Club, local Extension, and family get-togethers. The appreciation for old-meets-new is appropriate, as we sit and talk about the history of the family farm, changes and challenges in view of the massive cooling towers of Georgia Power-owned Plant Bowen. However, the deep roots of the Smith family in Bartow County go back long before the opening of Plant Bowen in 1975. All around are examples of the generational impact the Smith family has had on this region, from the nearby road sign bearing an ancestor’s name to the historical Euharlee Farmers Club membership.

David Smith, a director for AgGeorgia Farm Credit, has served on the board and served the members of the cooperative since June of 1991. Currently on the Governance Committee, Smith has held other positions on other committees and in various capacities during his 24 years. A full-time farmer and ag advocate, he and his wife Jackie have two daughters and sons-in-law who have given them the gift of four grandchildren. All live in close proximity, which makes it very enjoyable with the grandchildren and very comfortable for David. “In 1991 Jackie and I built a home within 500 feet of the house that I was raised in. That home was built in the 1919.”

Mr. Smith may have never strayed far from the place of his birth and his family roots, but that didn’t mean he and his family weren’t able to adapt and recognize opportunity.

Article by Rhonda Shannon, Photos by Corey Cottle and Rhonda Shannon

David Smith (far right) with brothers Tom and Claude and John Carroll (middle) take a break in front of the old store where the Euharlee Farmers Club meets. Their cotton gin and fertilizer company is in the background.


David and his brothers grew up assisting their father in smaller-scale farming, but the family farming operation has now grown to approximately 3,000 acres of corn, wheat, soybeans, sunflowers and the main commodity, cotton, spread between Bartow and Gordon Counties. In addition, the family also operates a cotton gin and fertilizer business. Smith and his brothers, Claude and Tom, along with life-long friend and mentor John Carroll, all work together to make sure this diverse collection of businesses operates smoothly. David is quick to point out that it’s the joint effort between them all that ensures their operation runs successfully.

The relationship with Farm Credit began in 1965 when Smith’s parents purchased land with financing from the Federal Land Bank in Dalton, Georgia. The land was purchased from his mother’s relatives, the Brandons, some of whom at the time lived as far away as Akron, Ohio. The years that followed would see additional land being added and in 1986, the purchase was made of the only remaining cotton gin in operation in Northwest Georgia located in Cave Springs. “We moved the operation to its current location and updated the ginning equipment. It just made sense to make the purchase and keep it running,” says Smith, “since the next closest one at that time was about 30 miles away and at present, the next closest gin is 60 miles away.” Today, Tri-County Gin services cotton farmers in five counties in Georgia and two in Alabama, gins nearly 17,700 bales and is in the third season for ginning round bale cotton. Enhancements are currently being considered for the 2015 ginning season that would improve efficiency in both ginning and labor.


In 2006, the operation expanded again with the addition of a fertilizer business, an opportunity that was just the right fit for the Smith operation. Starting the business from scratch, John Carroll took the helm, using his approximately 40 years of experience and knowledge in the management of a fertilizer business. Conve-niently located near the gin and the base for the farming operation, Carroll Fertilizer continues to thrive under the careful watch and supervision of John Carroll as evidenced by the six trucks it operates and more than 5,000 tons of fertilizer sold in the 2014 season.

David is also very proud of the Euharlee Farmers Club, a local club in which he is i nv ol v e d . T h e club consists of 12 farmer members who meet each month, rotating the location and farmer-host for the month. The host gives advice or shares experiences concerning production practices along with providing a meal. In existence for 135 years, and due to the guidance and instruction its members provide, it is thought the club is a precursor to the extension service. The club allows for only 12 members and currently has 3 honorary members, with John Carroll

being a recently elected honorary member. The Euharlee Farmers Club also hosts a famously renowned bar-b-que held annually on the second Friday in August, with a usual atten-dance of nearly 600 guests.

In the more than 41 years he’s farmed, David Smith has seen agriculture evolve into

the progressive industry it is today. In that same span, many personal opportunities in processing, marketing and diversification have arisen along with the trials of weather, volatile prices and regulatory hurdles associated with ag production. For 23 years, this hard-earned experience has allowed him to represent the

member-borrowers of AgGeorgia with a level of empathy that can only be derived from a daily walk in the boots of a farmer. As he put it, “Farming is all I’ve ever known and is what I know how to do. Serving as a director for Farm Credit has been a good experience for me and one that I’ve never regretted.” ❚

An inside look at the Tri-County cotton gin

One of the entrances into the Smith operation with Plant Bowen in the background

“Farming is all I’ve ever known and is what I know how to do. Serving as a director for Farm Credit has been a good experience

for me and one that I’ve never regretted.”


By Dr. David M. KohlDr. Dave Kohl

A successful athlete or team must be resilient in challenging times but also demonstrate agility to capitalize on opportunities as they present themselves. The same can be said for businesses, especially in the current volatile economic cycles with surprises around every corner. Let’s examine a few characteristics that will position your business to be resilient and agile.

Record SystemsOver the years working with businesses I have observed the successful ones often have very sound record keeping systems, including financial records that “talk” to the business and managers and help them make prudent decisions. The days of operating your business based on tax records with the goal of minimizing taxes are gone. A record system that includes an up-to-date balance sheet, projected cash flows, and an income statement adjusted for changes in inventories, receivables, and payables to measure true profits is a great start. Benchmarking your business to compare with peers pertaining to key farm financial and management characteristics will illustrate how it stacks up to peers and determine how your business is positioned in the industry.

Lifestyle The great commodity super cycle’s skyrock-eting commodity prices led to increased profits and the increase of withdrawals taken from agricultural businesses. Businesses that are resilient but agile will separate business and personal expenses rather than co-mingling them. The difference between the

Resilient and Agile: Keys to Success

top spenders in agriculture and those that are modest is often $50,000 to $80,000. This illus-trates that often the biggest competition for cash flow and business growth are the checks written out for personal consumption. Being resilient yet agile requires living modestly and being able to trim the excesses, especially during a downturn.

Leverage and Liquidity A business that has sustainability but is positioned to capitalize on opportunities will be cognizant of financial leverage and financial liquidity. These two factors often go hand-in-hand. The more debt a business incurs, the higher the level of financial liquidity is needed as a shock absorber. Excessive financial leverage without working capital that can be turned to cash often requires a business to sell discounted assets at inopportune times. Too much financial leverage without a backup of financial liquidity often results in liquidation.

Sweat the Small Stuff Businesses that are financially resilient and agile “sweat the small stuff.” They are constantly looking to improve processes and systems. Focused efforts on cost control, production, and efficiency improvements

are high on the management radar screen. A business should always be evolving, searching for opportunities that align with business resources, even in the down part of the cycle. Remember, success in business is not doing one thing 100 percent better or a magic silver bullet, it is examining the business and doing 100 little things each one percent better.

Advisor and CoachAnalogous to athletics, resilient and agile businesses often rely on a team of advisors or coaches as part of the process. The advisors can share expertise, but can also be catalysts for change and represent a sounding board in monitoring the implementation of your plans. They can help to point the business in the proper direction to achieve individual, team and business goals.

Your Turn Now it is your turn. Does your business utilize these basic components of success? Which areas could be improved? In an agriculture industry that is observing a wider spectrum of business and economic outcomes, consider implementing some strategies that will ensure the resiliency and agility of your business. ❚

David Kohl received his M.S. and Ph.D. degrees in agricultural economics from Cornell University. For 25 years, Kohl was professor of agricultural finance and small business management and entrepreneurship in the Department of Agricultural and Applied Economics at Virginia Tech, Blacksburg, Va. He was on special leave with the Royal Bank of Canada working on advanced initiatives for two years, and also assisted in the launch of the successful entrepreneurship program at Cornell University. Kohl is professor emeritus in the AAEC Department at Virginia Tech.

Businesses that are resilient but agile will separate business and personal expenses

rather than co-mingling them.

To receive the discounts, make sure you identify yourself as a Farm Credit Member and provide the discount codes as listed below.

1-800-FLOWERS®Flowers, plants, gift baskets, etc. Go to 1800flowers.com or call 888.755.7474. Use discount code FCCS to receive a 15% discount.

ADTNew customers will save over $200 more than the general public (with customer prequalification). Plus, you may save up to 20% off your homeowners insurance. Go to homesecurityteam.com/farmcredit or call 888.337.2448.

FLORAL AMBIANCEGo to floralambiance.com or call 800.672.4137. Use discount code fccsflowers to save $10 off orders valued at $30 or more. Note: The owner of this business is a Farm Credit loan customer!

DELL COMPUTERSSave up to 30% depending on configuration. Go to dell.com/farmcredit or call 800.695.8133 and use Member ID CS25031329.

DIRECTVNew customers will save $120. With free installation, there’s no equipment to buy and no start-up costs (with customer prequalification). Go to directsattv.com/farmcredit or call 888.612.4074.

NATIONAL & ALAMO CAR RENTALS -- Alamo: Visit alamo.com or call 800.462.5266 and use Farm Credit ID: 308635. -- National: Go to nationalcar.com or call 800.328.4300 and use Corporate ID: 5700069.

UNITED VAN LINESMoves within Arizona, California, Delaware, Florida, Idaho, Maine, Maryland, Tennessee, Texas, Utah, Wisconsin, and Wyoming, or between any of the 48 contiguous states. Discounts as much as 65% are only available via United agent, Barrett Moving & Storage. Call 800.879.1283 or email [email protected].

Have questions? Contact Pat McFarland at [email protected] or call 888.275.3227 x3236.

To receive the discounts, make sure you identify yourself as a Farm Credit Member and provide the discount codes as listed below.

1-800-FLOWERS®Flowers, plants, gift baskets, etc. Go to 1800flowers.com or call 888.755.7474. Use discount code FCCS to receive a 15% discount.

ADTNew customers will save over $200 more than the general public (with customer prequalification). Plus, you may save up to 20% off your homeowners insurance. Go to homesecurityteam.com/farmcredit or call 888.337.2448.

FLORAL AMBIANCEGo to floralambiance.com or call 800.672.4137. Use discount code fccsflowers to save $10 off orders valued at $30 or more. Note: The owner of this business is a Farm Credit loan customer!

DELL COMPUTERSSave up to 30% depending on configuration. Go to dell.com/farmcredit or call 800.695.8133 and use Member ID CS25031329.

DIRECTVNew customers will save $120. With free installation, there’s no equipment to buy and no start-up costs (with customer prequalification). Go to directsattv.com/farmcredit or call 888.612.4074.

NATIONAL & ALAMO CAR RENTALS -- Alamo: Visit alamo.com or call 800.462.5266 and use Farm Credit ID: 308635. -- National: Go to nationalcar.com or call 800.328.4300 and use Corporate ID: 5700069.

UNITED VAN LINESMoves within Arizona, California, Delaware, Florida, Idaho, Maine, Maryland, Tennessee, Texas, Utah, Wisconsin, and Wyoming, or between any of the 48 contiguous states. Discounts as much as 65% are only available via United agent, Barrett Moving & Storage. Call 800.879.1283 or email [email protected].

Have questions? Contact Pat McFarland at [email protected] or call 888.275.3227 x3236.


It is safe to say that Sam Rambo loved his grandmother. As a child, he enjoyed spending time with her, and on most occasions that meant working with her in the garden. Boxwoods, azaleas and other shrubbery seemed to spawn many conversations and lessons for the Cobb County native. But those enjoyable times and memories also birthed something unexpected: a love and appreciation for horticulture that has now culminated into a successful career path known as Rambo Nurseries.

What began in 1983 as a hobby selling shrubs and flowers door-to-door from a redesigned family van has now expanded to three Georgia locations in Dallas, Ringgold and Cedartown. From an original 300-square-foot greenhouse selling blooming flowers, Sam Rambo and his 175 employees now supply ornamental horticulture products to and staff many of the Home Depots in Georgia, Alabama and Tennessee. With an operation that spans well over a million square feet in greenhouses and 215 acres, the company

currently breeds, develops and houses some 5 million herbaceous ornamentals that will eventually be sold in Home Depot stores.

“Nurseries that had been supplying to these stores for resale were very large,” said Sam Rambo. “We had to do things to create value by not only supplying a different plant but by also servicing the stores. We provide a product at a decent price with an added service. Since the mid-2000s, we’ve taken this approach and have been the exclusive provider [in the Home Depot stores we sell to].”

Article and photos by Rhonda Shannon

Sam Rambo

From Seeds to Success

Rambo Nurseries: A Blooming Business


Hands-on Customer ServiceIn all the Home Depot stores that Rambo Nurseries supplies, the staff you see maintaining the quality and vitality of the plants are actually employees of Rambo, not Home Depot. The added service of having Rambo employees in these stores to supervise, maintain, and manage inventory in the garden areas has not only resulted in a better product for consumers, but a tremendous value to Home Depot as well. According to Rambo, approximately 30% of the total sales for Home Depot come from the sales in their garden centers.

Maximizing the profits from garden areas can have a major impact on a retail home improvement store, especially during an economic recession like that experienced from 2007–2010. The stores that featured Rambo Nurseries as their exclusive provider during this time frame no doubt had the garden centers to thank for helping to sustain profits.

Rambo also noted that, surprisingly, his own business continued to grow throughout the recession. “Our nursery business has not been affected by the economic downturn. This

While the business is not generally affected by the economy, he added that the weather can play a major factor in sales. This is related not only to the production of the plants, but the effect weather has on consumers’ motivation to get out and shop. “We like to see sunny weekends,” said Rambo, smiling.

“The ultimate goal is to secure customer loyalty. Ensuring that the customer is successful in their purchase will produce customer satisfaction which will further produce customer loyalty.”

“Ensuring that the customer is successful in their purchase will produce customer satisfaction which

will further produce customer loyalty.”

low-ticket, home improvement item also has a dual advantage – it’s also a feel-good item,” says Rambo.

Sam Rambo shows the packaging of one of his blooming perennials to (left to right) Jessica Bassett, Corey Cottle and Susan Jones from AgGeorgia Farm Credit

Top: Hanging baskets line the roof of a greenhouse at the Dallas location


Incorporating Instant SuccessSo what goes into bringing the plant from the nursery to your local garden center? The nursery seems to have the process down to a science, with an average span of approximately 12 weeks from seeding, to cutting from the mother plant, to having a sellable product.

The staff also travels to and hosts breeders from all over the United States and the world to produce a better, more sustainable item that is continually developing based on consumer demand. “The millennial generation wants to be successful and they want to be successful fast,” says Rambo. “Incorporating fertilizer that won’t break down as quickly and providing detailed information on what they’re purchasing is what they’re looking for. Gone are the days when most consumers will work in their yards for hours and hours. They’re looking for a small plant that can be put into a bed or a ready-mix combo so that

the result is instant without the majority of the work being done on their hands and knees.”

This line of thinking shows that Rambo Nurseries realizes that they have to continue to stay ahead of consumers wants, sometimes before consumers even realize what they want, in order to stay competitive. “Opportunity is lost as quickly as it could be gained,” adds Rambo. “We have evolved because of necessity.”

As expected, pest management plays a major role in the protection and endurance of the massive number of flowers, not only the blooms but the vegetation of the plant as well. While production and efficiency are in the forefront of their daily goals, unaddressed pest issues could devastate and severely interfere with their 2-3 turn production schedule. Ensuring that no harmful chemicals are used on any plant is the top priority of their growers’ team. Careful consideration is given to the environment, and Rambo uses only biological management for pest control.

Flowers Flourishing with New TechnologyThe nursery has incorporated state-of-the-art machinery to guarantee the success rate of their plants, and their Dallas location is fully automated. Naturally ventilated green-houses have motorized retractable roofs that control the amount of sunlight or rain that is allowed on the tender vegetation. They are also connected to Doppler weather radar to monitor changes in wind speed and any adverse approaching weather conditions such as rain or hail. Motorized sprinklers also help to distribute the exact amount of moisture each plant receives and the exact time when they receive it. A new software system was recently implemented to track orders and replenish inventory. It offers a live availability that allows for pulling and shipping all orders for the day.

A dwelling built in 1905 houses the office for the operation at the Dallas location. The

Mechanical sprinklers in motion, using timers and measured moisture application

Plants being labeled, watered and readied for shipment

“This low-ticket, home improvement item also has a dual advantage — it’s also a feel-good item.”


The blue sky is in view as the roof of a greenhouse is being retracted

house was remodeled not only for structural and practical purposes, but it is an “idea house” for new genetic varieties and new combina-tions. You may see these beautiful creations in planters on the front porch or elsewhere around the house, before they hit stores. The house is also a testing area for unconventional innovations. The soffits of the house encase an irrigation line with small, drip-irrigation type spouts by which the hanging baskets are watered. The watering process can be easily and conveniently regulated with time of watering and controlled amounts of moisture applied to the plants, depending on what type plants are there.

Whether it’s the breeding, production, innovation or consideration of the environment, Rambo Nurseries has provided products and services that have created awe-inspiring sceneries covering Georgia, Alabama and Tennessee. For more than 30 years they have made an indelible mark on many of the residential yards and commercial landscapes we appreciate and enjoy. It’s been an emerging process from the days of selling flowers out of the back of the converted family van to where it is today. Countless days, seemingly endless nights and a lot of hard work were included in the formula for the nursery’s success. “Flowers don’t know a holiday,” says Rambo. ❚

Sam Rambo explains the seeding process


Catoosa County farmer James David Lyles and his wife Tara were introduced as the Georgia Sunbelt Farmer of the Year during the 2015 National Ag Week Kickoff at the Georgia Freight Depot in Atlanta. Presenting the award is Georgia Commissioner of Agriculture Gary Black (far right).

The Lyles raise beef and poultry and grow hay on their farm in Ringgold. They will represent Georgia in October at the 2015 Sunbelt Expo, where they’ll compete with nine other state winners for the title of Swisher Sweets Sunbelt Agricultural Expo Farmer of the Year.

Congratulations to the Lyle family on their award.

Congratulations to Greg Davis, 2015 Tift County Farmer of the Year

A 3rd generation farmer, Davis operates 1,500 acres consisting of watermelons, peanuts, cotton and corn. He lives and farms on land that was passed from his grandfather to his father. Davis purchased his first farm in 2013.

Presenting him with a patronage check is his loan officer, Eddie Fresh (left). Davis is also being presented with an AgGeorgia Yeti cooler in congratulations of the Farmer of the Year designation.

The Georgia Cattlemen’s Association honored Stan and Dalton Tankersley (left and middle) of Lincolnton as the GCA Cattlemen of the Year. The award was given at the Cattlemen’s Ball as part of the 54th annual convention & trade show and 18th annual Georgia Beef Expo in Perry at the Georgia National Fairgrounds. Presenting the award is GCA Past President Melvin Porter.

Tankersley Farms runs about 340 head of Angus, Simmental influence and Charolais influence cattle. The family is actively involved in GCA, Lincoln Co. Farm Bureau, Lincoln Co. Cattlemen’s Association, and Double Branches Baptist Church. Stan and Teresa have two daughters, Hannah Lionetti and Lauren Palmer, in addition to son, Dalton. They also have five grandchildren.

Association Accolades

Copies of the Association’s Annual and Quarterly reports are available upon request free of charge by calling 1-800-868-6404 or writing Carrie McCall, Chief Financial Officer, AgGeorgia Farm Credit, ACA, P.O. Box 1820, Perry, Georgia 31069 or accessing the website, www.aggeorgia.com. The Association prepares an electronic version of the Annual Report which is available on the Association’s website within 75 days after the end of the fiscal year and distributes the Annual Report to Shareholders within 90 days after the end of the fiscal year. The Association prepares an electronic version of the Quarterly report within 40 days after the end of each fiscal quarter, except that no report need be prepared for the fiscal quarter that coincides with the end of the fiscal year of the institution.

AgGeorgia Farm Credit

FinancialReports

Meet our Rome staff—Susan Jones and Helen Hunter serve Chattooga, Floyd and Polk Counties and work on keeping alive the tradition of excellent service from Farm Credit. For almost 100 years, AgGeorgia has been providing financing for operating lines of credit, capital improvements, purchasing or refinancing real estate, and purchasing equipment or livestock. Stop by to see Susan or Helen and let them show you how AgGeorgia has been helping Georgia grow for generations.

Experience and Reliability.

From the left, Susan Jones and Helen Hunter

701 East 2nd AvenueRome, GA 30162

706.291.6340www.aggeorgia.com


New AdditionsTanner Megahee has joined the Sylvester Branch as a Loan Officer. Tanner is from Norman Park in Colquitt County, Georgia, and graduated from Troy State University with a bachelor’s degree in Business Management. Tanner began his career with AgGeorgia on February 16, 2015.

Alex McAfee began his Farm Credit career in the Sandersville Office as a Loan Officer on March 24, 2015. Alex is a graduate of Georgia Southern University with a Bachelor of Science in Finance.

Mitch Adams has joined the Chatsworth Branch as a Loan Officer. Mitch is a graduate of the University of Georgia with a Bachelor of Science in Forestry. Mitch began his Farm Credit career on April 1, 2015.

Howard Brown has been elected a Director for the AgGeorgia Farm Credit board. A native of Macon County, Mr. Brown is a full-time farmer and currently resides in Montezuma with his wife, Loren, and children, Whit and Kaitlin. We welcome Mr. Brown to the AgGeorgia family.

PromotionsMelissa Redd, Branch Manager in the Waynesboro office, has been named Branch Manager of the Sandersville and Waynesboro branches. Melissa has been an employee of AgGeorgia since September of 2009, serving as Compliance Officer, Loan Officer and Special Assets Loan Officer before taking the first branch manager position.

Emily Reece has accepted the position of Loan Officer in the Perry Branch. Emily began as an intern with AgGeorgia before taking her first full-time position in February of 2013 as a loan officer in the Chatsworth office. She then trans-ferred to the SAM department in September of 2013.

Joseph Stewart has accepted the position of Branch Manager in the Perry Office. Joseph began as an intern with AgGeorgia before taking his first full-time position in March of 2013 as a loan officer in Sylvester. He then transferred to Branch Manager in our Quitman office before accepting the current position.

RetirementsKay Bedgood, Branch Manager, began her career in 1996 with South Central Farm Credit in Sandersville, Georgia. Upon her retirement on March 31, 2015, she had more than 18 years of service. Kay is being congratulated and presented a plaque and resolution by CEO Jack Drew.

The AgGeorgia family extends our congratula-tions to Mr. James Carlton, Director, on his retirement on March 31, 2015. Mr. Carlton has served the Association for 38 years and repre-sented AgGeorgia, agriculture and his community well. We wish Mr. Carlton a long, healthy and happy retirement.

Association News


Employees recently receiving promotions or new corporate titles:Pam Arthur, Royston Branch - Branch Operations Coordinator IV

Adam Dye, Washington Branch - Loan Officer I

Betty Elsberry, Quitman Branch - Branch Operations Coordinator IV

Josh Hall, Dublin Branch - Loan Officer I

Susan Jones, Rome Outpost/Cartersville Branch - Loan Officer III

Bo Lowry, Corporate Office - Director of Risk Management II

Frances Reno, Royston Branch - Loan Specialist I

Lacy Royal, Corporate Office - Chief Credit Officer IV

Dominee Thomas, Waynesboro Branch - Loan Assistant V

Sarah Williams, Dublin Branch - Loan Specialist II

Vikki Wooley, Corporate Office - Corporate Secretary/HR Specialist II

Steve Yearta, Corporate Office - Chief Credit Officer IV

Employees recently receiving new corporate officer appointments:Joe Stewart, Perry Branch - Vice President

Becky Carroll, Operations/Corporate - Assistant Vice President

Adam Flakes, Waynesboro Branch - Assistant Vice President

Ryan King, Royston Branch - Assistant Vice President

Mark Lindsey, Information Technology/Corporate - Assistant Vice President

Donna Perrin, Tifton Branch - Assistant Vice President

Vikki J. Wooley, Administrative/Corporate - Vice President

AgGeorgia Farm Credit, Agricultural Credit Association (Association) loan agreements and/or commitment letters stipulate that borrowers obtain and maintain insurance on property pledged as security for loans with the association named as mortgagee or loss payee as appropriate.

This notice is a reminder that the minimum amount of coverage required to be maintained is the lesser of your loan balance(s), the actual cash value of the property, the replacement cost of the property or the amount stipulated by your loan officer. Since the amount required could be less than the amount for which the property can be insured, you are encouraged to consider higher limits

where applicable to adequately protect your equity interest in the property.

If the property securing your loan consists of improved real estate, unless otherwise advised, at a minimum, your policy must insure against the following perils: fire and lightening, wind, hail, aircraft or vehicle damage, riot or civil commotion, explosion, smoke damage, water damage (other than flood), falling objects, weight of snow, ice or sleet and vandalism. Loss or damage from flooding is also required if your loan was made after October 4, 1996, and at the time the loan was made the property was located in a government mandate Special Flood Hazard Area and flood insurance was available.

If the property securing your indebt-edness consists of personal property including vehicles, machinery or equipment, in addition to the causes of loss cited in the preceding paragraph, the property must also be insured against theft, and where applicable, such as with mobile machinery and equipment, collision and upset.

If your current coverage does not conform to these requirements, please contact your insurance representative and effect the necessary changes to insure your coverage does comply with these require-ments. Please contact your local AgGeorgia Farm Credit representative if you have any questions or comments. ❚

Insurance Reminder

From small to large and anything in between, our Farm Credit EXPRESS equipment program provides a quick approval process to get you back to business.

Visit farmcreditexpress.com for a list of participating dealerships and ask your local dealer how easy it is to use Farm Credit EXPRESS.

Equipment Loans for any Farming Operation

farmcreditexpress.com


Property for SaleProperties for sale are listed as a service to our readers. Information is furnished by real estate agents and individuals and AgGeorgia Farm Credit is not responsible for the accuracy of the listing contents. If you have property for sale in Georgia that you wish to list in the Leader magazine please contact Rhonda Shannon for details at [email protected] or 229-382-4300.

BANKS

12.55+/- acres. Private wooded land in Banks County. This property is located in Commerce approximately 8+/- acres from the Tanger Outlet Mall. If you want private country living then this lot is for you. Come build your dream home. Contact Tim Hill with Community Partners Realty at [email protected] or (678) 227-3437.

BURKE

PRICE REDUCED. This tract is a sportsman’s paradise. Everything is there ready to enjoy with a good road system. There is a great updated 1,900 sq. ft. cabin with 2 bedrooms and large fire place. Also, there are two large storage outbuildings along with a cook shed. There are 3 wells, 2 for the pond and 1 for the house. Contact Max Boswell with Mary Yelton Realty at [email protected] or (706) 871-9141.

34.8 Acres. Listed @ $47,500. Nice small tract for hunting and all other outside recreational activities. 2 small creeks on this property and a beaver pond for ducks. Merchantable timber. Home site. Located on Nathaniel Howard Road. Contact Michael Smith

with Mike Smith Forestry & Realty, LLC at [email protected] or (706) 554-3008.

109 acres. Creek Road and Buck Lane, 18 miles east of Waynesboro near Girard, all wooded, timber harvested 10-15 years ago, branch and beaver pond on property line, great hunting tract, a lot of wildlife sign, $141,800. Will divide into 75 and 33 acre tracts. www.GeorgiaLand.com. Contact Chad Shivers with Shivers Real Estate at [email protected] or (706) 833-9114.

99 acres. William Tinley Road, 25 miles south of Augusta, 15 miles west of Waynesboro, 32 acres cultivated, 20 acres planted pines, 35 acres wooded, 8 acres underground gas line easement, diverse tract with hunting/recreation, timber investment, and farm lease income. $168,470. www.GeorgiaLand.com. Contact Chad Shivers with Shivers Real Estate at [email protected] or (706) 833-9114.

CANDLER

210 acres. Big barn road farm. 117 acres tillable, 6 acre pond, 50 acres cut-over planted pines, potential ag conversion on timberland, good farm soils, strong

farming community between Metter & Swainsboro. Located on county maintained road. Reduced, only $1,900.00 per acre. Contact Bill Breiner with LandMart.com at [email protected] or(478) 452-5180.

CHATTAHOOCHEE

467 acres. Wooded acreage, Smith Road, 8 miles southeast of Cusseta, 25 miles southeast of Columbus, hardwood/pine mix, road system, streams, timber investment, hunting/recreation. $677,150. www.GeorgiaLand.com. Contact Chad Shivers with Shivers Real Estate at [email protected] or (706) 833-9114.

CLARKE

Tallassee Estates. Conveniently located to Athens and Loop 10. It offers double paved road frontage, woods and a creek. The two homes on the property that could be used as rental properties or create your own private retreat here in Athens. Currently the zoning is RS-15 opening the possibilities for devel-opment. Contact Mark Costello with Southern Land Exchange at [email protected] or (706) 549-5050.

COLQUITT

Affordable home. Located in a peaceful country setting that is surrounded by beautiful farmland. This would make a great starter home or for someone who is looking to downsize. Located in the Hamilton School District. MLS # 904876. Contact Dena Jackson with The Slocumb Company at [email protected] or (229) 456-3081.

10.49 acres. This custom built home is located just outside of the city limits in a very peaceful setting. The 3bdrm/2.5bath home offers a nice and open floor plan, living room with fireplace, eat-in kitchen and separate dining room. Master bedroom with master bath, garden tub and separate walk in shower. MLS# 904562. Contact Dena Jackson with The Slocumb Company at [email protected] or (229) 456-3081.

3.59 acres. A true southern style home with rocking chair front and back porches in a peaceful setting surrounded by beautiful hardwood trees and planted pines. The two story home offers 4 bedrooms, 2.5 baths, open floor plan and basement. Hamilton School District. MLS#904837. Contact Dena Jackson with The Slocumb Company at [email protected] or (229) 456-3081.

71.69 acres. Peaceful setting offering an abundance of wildlife, woods and two stocked ponds. The entire

perimeter is fenced and cross fenced for cattle or horses. Unique 3 bdrm/2ba custom built log home with yellow and white pine through out. Large barn with plumbing and power. MLS#904789. Contact Dena Jackson with The Slocumb Company at [email protected] or (229) 456-3081.

10.32 acres. In eastern Colquitt county. Sided by two paved roads, 832 ft on one & 532 ft on other. Small pond and good pine tree population. Mostly clear cut and suitable for sub dividing for mobile homes. $37,000 or most suitable offer. Call Homer Eldridge at (229) 891-1230.

DODGE

8 acres. 1054 Telfair Line Rd. Milan Ga. Awesome country home, a sportsman’s dream, 2800 sq. ft, 2 story, 4 bdrm, 3 bath cedar house. Standing seam metal roof, barn/shop, pump house. Anderson windows, masonry fireplace, green house & practice range. View tour: http://www.visualtour.com/show.asp?t=3501315 & www.arealtormom.com. Contact Susan Evans with Susan Evans Realty, llc at [email protected] or (912) 423-9291.

48+/- acres. 969 Phillip Estes Rd. Eastman Ga. Beautiful brick home. Wooded lot, centrally located between Dublin & Eastman off Middle Ground Church Rd. Built in ‘05, 3 Bed 2 Bath w/ central living area. Vaulted and Trey Ceilings! Visual tour @ http://www.visualtour.com/show.asp?t=3419909. Listing @ www.arealtormom.com. Contact Susan Evans with Susan Evans Realty, llc at [email protected] or (912) 423-9291.

ELBERT

22.88 acres. In Royston, nice level open land that is currently cultivated. Would make a great place to have build a house and have a horse or cattle farm. $102960. Contact Amanda Smith with Burdette Realty at [email protected] or (706) 680-1800.

124.73 acres. Cabin in the Woods. PRICED TO SELL! $375,000. Cabin built in 2006. Upland white and red oak make this a great deer and turkey tract. Three streams provide water source for wildlife. Dbl. deck deer stand positioned on scenic hardwood ridge; areas of merchantable pine timber. Numerous ATV trails provide easy access thru property. Contact Eddie Drinkard with Drinkard Real Estate Sales, Inc. at [email protected] or (706) 318-3636.

Pristine Lake Russell. PRICE REDUCED! 2 tracts available: 94.35 acres and 91.94 acres. $270,000. 92.00 Acres @ $2,935/ac. Some of the property lines are within 250-300 feet of the shoreline. The property fronts on Dry Fork Landing Road and is only 1 mile from a public boat landing. Contact Eddie Drinkard with Drinkard Real Estate Sales, Inc. at [email protected] or (706) 318-3636.

122+/- acres. A large country estate that has been organically managed as a sustainable farm for the past decade. Full-property perimeter and interior fencing makes this perfect for organic livestock


AGGEORGIA.19.SUMMER 2015AGGEORGIA.19.SUMMER 2015

production or horse property. Contact Tim Hill with Community Partners Realty at [email protected] or (678) 227-3437.

FRANKLIN

142.97 acres. Cattle farm inCarnesville. 3 bedroom ranch house. 6 acre pond. Fully fenced. 70+/- acres of pasture. 60+/- acres of timber. Beautiful farm with views. $650K. Contact Austin Breiner with LandMart at [email protected] or(478) 414-8419.

GREENE

73 acres. Cattle farm/home site. Bank-owned with a REDUCED PRICE at $233,995. 1 acre pond. Mostly pasture. Sherill Creek frontage. Union Point, GA. Contact Austin Breiner with LandMart at [email protected] or(478) 414-8419.

HABERSHAM12 +/- acres. Build your dream home! Property overlooks Soque River, 778 feet of frontage on Georgia’s most famous trout stream, located 5 miles from downtown Clarkesville. (102587) $350,000. Contact Marty Simmons with Shield Realtors at [email protected] or (770) 597-4219.

30 +/- acres. Mountain top estate! Gated entrance, 360 degree views, large workshop, enclosed 40ft x 60ft barn w/electric & water. 3BR craftsman style home, additional finished room on terrace level w/bath. Easy access to Helen, Clarkesville, Gainesville & Atlanta. $799,000. (100540) Contact Ruth Camp with Shield Realtors at [email protected] or (706) 499-4702.

Great investment opportunity! 22 lots in the Orchard Golf Community located 90 miles NE of Atlanta. Gated 24/7, clubhouse, swimming, tennis, playground and multiple lakes for your enjoyment. $264,000. Contact Ruth Camp with Shield Realtors at [email protected] or (706) 499-4720.

38 +/- acres. Stunning shoals and extremely noisy water! Wooded tract, both sides of Yellow Bank Creek. Near Clarkesville and Cornelia, several prime building sites. Driveway already in to creek. Possible owner financing. $329,000. Contact Ruth Camp with Shield Realtors at [email protected] or (706) 499-4720.

45.9 acres. In Clarkesville, long frontage on Soque River, mountain views with several building sites. 20 acres of pasture, perfect for horse farm or private estate. Close to town. In conservation program, new owner must agree to keep until it expires. $689,400. Contact Bill Camp with Shield Realtors at [email protected] or (706) 499-4720.

27+/- acres. Property fronts Hazel Creek. 2 homes, pasture, workshop. $399,900. Contact Patricia Bower with Keller Williams Realty Lanier Partners at [email protected] or (770) 530-6300.

32+/- acres. Scenic rolling land. Fenced with pasture and barns. 4BR/3.5BA 3200 sq.ft. home built in 1907 in great condition. $600K for all. Owner willing to sell home with less acreage. Contact Patricia Bower with Keller Williams Realty Lanier Partners at [email protected] or (770) 530-6300.

HANCOCK

92 acres. Big hardwood timber, flowing creek with pond site, nice established food plots, very quiet setting, big deer on camera, great turkey hunting, big buck country. Contact Aubrey Breiner with LandMart.com, LLC at [email protected] or (478) 454-7980.

100 acres. New on market, better hurry! Fantastic hunting tract near Powellton. Loaded with mature pine and hardwood timber. Dirt road frontage, good interior roads, small utility right-of-way and beautiful creek. $2,150 per acre. Contact Beverly Webb with Town & Country Real Estate at [email protected] or (478) 552-5681.

JACKSON

21 +/- acres. This gated lake front property is waiting for you to build your dream home. The secluded property sits on a private lake with over 1800+/- feet of water frontage. The listing is a combi-nation of two parcels. One parcel is 13.09+/- and is

located within the subdivision of Cardinal Lake and the other a joining parcel is 8+/- acres. Contact Tim Hill with Community Partners Realty at [email protected] or (678) 227-3437.

JASPER

30 acre lake. Big dock with boat slip, 90x50 barn with 1br/1ba apartment, excellent road system, great deer and turkey hunting, duck and quail potential, mature hardwood, quality deer managed for years, very quiet and private, double paved road frontage, multiple home sites, 1 hr 20 minutes from Atlanta. Contact Aubrey Breiner with LandMart.com, LLC at [email protected] or (478) 454-7980.

JEFFERSON

297 acres. Newman Smith Road, 3 miles north of Bartow, 232 acres hardwood/pine mix (hardwood cut about 2008), powerline easement, Williamson Swamp Creek, will divide into 2 tracts, $1100/acre. Contact Chad Shivers with Shivers Real Estate at [email protected] or (706) 833-9114.

JENKINS

107 acre farm. Saxon Road, 12 miles northeast of Millen, 66 acres cultivated, 8.5 acre hay field, 32 acres wooded, farm lease income, lots of wildlife sign. Pretty property for investment, farming, hunting/recreation. $183,300. Contact Chad Shivers with Shivers Real Estate at [email protected] or (706) 833-9114.

JOHNSON

15 acres. This stately estate boasts a remarkable 7.5 acre lake! This home was custom designed and abounds with windows for many great views of the lake and fenced pool area. Built with the finest material and ornately designed. Tour @ http://www.visualtour.com/show.asp?t=3465880 & www.arealtormom.com. Contact Susan Evans with Susan Evans Realty, llc at [email protected] or (912) 423-9291.

MADISON

5.76 acres. Great find! Wooded acres with a creek to build, hunt, or bring your mobile home. $23,300. Contact Amanda Smith with Burdette Realty at [email protected] or (706) 680-1800.

Madison Lake & Shoals. 5 +/- acre lake with several cabin sites that would overlook the lake, 75% planted pine timberland with trees over 15 years old, 25% is hardwoods. A great hunting tract with food plots good interior roads and duck boxes on the lake. Offered for $2950 per acre. Contact JR Smith with Southern Land Exchange at [email protected] or (706) 207-0152.

Hardwood Hill. A great recreational property or home place/farm. Nice open fields leading up to the hilltop offers long views of the surrounding counties.

An old road system covers the entire property meandering through the mature hardwoods along the drains and creek. County paved rd frontage. Offered for $3250 per acre. Contest Mark Costello with Southern Land Exchange at [email protected] or (706) 207-5850.

15.79 +/- acres. Breeder farm with a log cabin home. The residence has 3 bedrooms and 2 full bathrooms. The living room has a beautiful over-sized stone fireplace and up above are hardy wood beams. The kitchen is open and full of nature sunlight. Contact Tim Hill with Community Partners Realty at [email protected] or (678) 227-3437.

MCDUFFIE

120 +/- acres. The Harrison Homeplace. $650,000. Approx. 45 acres is in established pasture; approx. 30 acres is cultivated currently in soybeans, and appprox. 5 acres is a pecan grove. The 1920s home is in excellent condition and has 3 Bedrms., 2 1/2 Baths, Living room, Dining rm., Firepl., Central H/A, and a large screened-in front porch. Contact Eddie Drinkard with Drinkard Real Estate Sales, Inc. at [email protected] or (706) 318-3636.

MITCHELL

21.38 acres. Secluded 4 bedroom home located conveniently between Moultrie and Camilla. This home is surrounded by mature pecan trees and open pasture fenced for horses or cattle. Additional 1 bdrm/1bath guest house. Large shed for equipment and barn. MLS# 904782. Contact Dena Jackson with The Slocumb Company at [email protected] or (229) 456-3081.


MORGAN

15 +/- acres. Hidden Pines Farm is a horse farm in Morgan County. This breeding farm has multiple paddocks and pastures. The large barn has 14 stalls w/concrete isle way, feed room, run in and out pens and a stallion pen. There are breeding stocks and a stanchion for treating your horses. The second barn is used for storage. The house is 3514 +/- sq. ft. Contact Tim Hill with Community Partners Realty at [email protected] or (678) 227-3437.

NORTHWEST GEORGIA Poultry Houses. Four 500 feet well-kept broiler poultry houses for sale in Northwest Georgia. Contract with Pilgrim Pride. They will honor new contract with new owner. Farm includes cake machine, back up generator with automatic transfer switch and a mobile home with paying occupant. Travel trailer set up for worker on farm. Poultry houses are Class A pay. Contact Pam Duckworth with D and H Poultry at [email protected] or (706) 346-0217.

OGLETHORPE

Mallard Branch. Out in the country property, yet convenient to the city. This property has a good balance of planted pines, hardwood ridges and water. An existing road network can be cleared to provide access to most of the property by vehicle. A perennial creek crosses the property and provides water for wildlife. Offered for $1900 per acre. Contact Jesse Johnson with Southern Land Exchange at [email protected] or (706) 549-5050.

112.84 acres. Cabin and pond on Wolfskin, $775,000. A 2,000 sq. ft. cabin, built in 2011, is well suited for weekend retreat or full-time residence. The cabin is picturesquely situated overlooking a 3 acre stocked pond with large covered dock. For the

hunter, there are established food plots and 8 to 10 deer stands. Beautiful property! Contact Eddie Drinkard with Drinkard Real Estate Sales, Inc. at [email protected] or (706) 318-3636.

PULASKI

768 +/- acres. This unique tract has been developed for silvopasture, which integrates livestock and timber production on the same land providing multiple income opportunities. Asking $2,150,400 ($2,800/ac) Visit our website at www.fwforestry.net. Contact Jody Strickland with F & W Forestry Services, Inc.” at [email protected] or (478) 954-8058.

RICHMOND

63.47 acres. Listed @ $344900. Nice property located in Hephzibah. Approximately 50% fenced pasture and balance in woods. Great location for cattle or horses. Nice home with inground pool. Several outbuildings for storage. Contact Michael Smith with Mike Smith Forestry & Realty, LLC” at [email protected] or (706) 554-3008.

STEPHENS

89 +/- acres. Lake access. Great hunting land. Road frontage on both Hwy 17 Toccoa By-Pass & Hwy 106. Owner Financing available. $667,500. Contact Patricia Bower with Keller Williams Realty Lanier Partners at [email protected] or (770) 530-6300.

WASHINGTON

141.34 acres. Hamburg State Park Road. 6,700 feet of frontage on the Little Ogeechee River. 18 year old planted pines were 5th row thinned in 2012. Great deer, turkey, and hog hunting! Beautiful timber and interior road system. Outbuilding with water and power. $2,200 per acre. Contact Beverly Webb with Town & Country Real Estate at [email protected] or (478) 552-5681.

17.79 acres. Beautiful home located at 278 Edwards Ford Road, Tennille, GA. Property is fenced with pasture, woodlands, and Ohoopee River frontage. Cyprus siding Barn and chicken house. Home has 3 Bedrooms, 3 Baths, Living Room, Dining Room, Utility Room, and Bonus Room. Priced at $228,500. Contact Beverly Webb with Town & Country Real Estate at [email protected] or (478) 552-5681.

83 acre farm. Located just outside of Sandersville, GA. Paved road frontage. Open land suitable for row crops, cattle horses, etc. Marketable timber and some cutover. Power line across rear of property. Great hunting and homesites. Great buy at $1,750 per acre. Contact Beverly Webb with Town & Country Real Estate at [email protected] or (478) 552-5681.

126 acres. Old farmhouse, near Davisboro, GA. Recently cutover with buffers and SMZ’s along Steel



Creek. Plenty of deer and turkey. Ideal weekend get-away or permanent residence. Only $1,550 per acre!! Contact Tom Bell with Town & Country Real Estate at [email protected] or (478) 552-5681.

WEBSTER

775 +/- acres. Timberland. This tract is well suited for timber investment and recreational hunting. Asking $1,050,000 ($1,355/ac) Incl. trailer, well and electricity. Recent timber inventory available. Contact Jody Strickland (#290344) with F&W Forestry Services, Inc at [email protected] or (478) 954-8058.

WILKES

95 acres. War Hill Farm is a turn-key farm for sale! Pasture, pines/hardwoods, pond, pole barn and paved road frontage this tract has it all, including approx 30 acres of pasture with a small pond and creek. There are several excellent home sites overlooking the pasture and pond. Offered for $3250 per Ac. Call Jesse 706.614.4855. Contact Jesse Johnson with Southern Land Exchange at [email protected] or (706) 549-5050.

276 acres. Clark Creek Tract, $1,895 per acre. Beautiful Clark Creek is a major Wilkes Co. creek. Lots of hardwoods make ideal deer, turkey and small game habitat. Approx. 175 acs. of 16 year old pines almost ready for first thinning. A 2 to 3 acre open field makes for an ideal wildlife food plot. Over 2,700 ft. frontage on Bunch Road. Contact Eddie Drinkard with Drinkard Real Estate Sales, Inc. at [email protected] or (706) 318-3636.

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478.452.5180 www.LandMart.com

Cartersville1300 East Main Street Cartersville, GA 30120(770) 382-3637

Chatsworth19 Woodlake Drive Chatsworth, GA 30705(706) 695-0020

Clarkesville102 Blacksnake Road Mt. Airy, GA 30563(706) 754-4158

Cordele1207 South Greer Street Cordele, GA 31010(229) 273-3927

Dublin 826 Bellevue Avenue Dublin, GA 31021(478) 272-3255

Gainesville 501 Broad Street Gainesville, GA 30501(770) 534-5395

LaFayette700 East Villanow StreetLaFayette, GA 30728(706) 638-1940

Montezuma317 Walnut Street Montezuma, GA 31063(478) 472-5156

Moultrie22 5th Avenue., SEMoultrie, GA 31768(229) 985-3893

Nashville707 N. Davis Street Nashville, GA 31639(229) 686-5081

Ocilla302 S. Cherry StreetOcilla, GA 31774(229) 468-5900

Perry468 Perry ParkwayPerry, GA 31069(478) 987-1434

Quitman504 E. Screven Street Quitman, GA 31643(229) 263-7551

Rome701 East 2nd AvenueRome, GA 30162(706) 291-6340

Royston675 Church StreetRoyston, GA 30662(706) 245-6142

Sandersville775 Sparta Road Sandersville, GA 31082(478) 552-6922

Sylvester105 Dexter Wilson BlvdSylvester, GA 31791(229) 776-5599

Tifton 1807 King RoadTifton, GA 31794(229) 382-4300

WashingtonU.S. 78, 311 North Bypass Washington, GA 30673(706) 678-7088

Waynesboro176 Highway 80 West Waynesboro, GA 30830(706) 554-2107

Office Locations

AgGeorgia Farm CreditP.O. Box 1820Perry, GA 31069

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