Meet AgGeorgia Member Kabe Cain Game Changers and the 2013 ...

Winter 2013
Inside:
Meet AgGeorgia Member Kabe Cain
Game Changers and the 2013 Playbook
AgGeorgia Introduces New Service to
Those Purchasing Equipment
Property for Sale Listings

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BOARD OF DIRECTORS
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John W. Bagwell, Jr.
Edward M. Beckham II
Jack W. Bentley, Jr.
William L. Brown
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Dan N. Crumpton
Guy A. Daughtrey
Howard Lawson
Ronney S. Ledford
Joseph M. Meeks
Robert G. (Bobby) Miller
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Table of Contents
Kabe Cain is in many ways a typical
young farmer. He works a full-time job
while raising cattle part time. But unlike
most young farmers who work for another
company, Kabe owns and manages the
family’s farm equipment dealership: Cain
Equipment in Clermont. He inherited
the business 12 years ago when his ...
Page 4
It is widely accepted that storing farm
equipment under a shelter is better than
storing it outside and that hay stored in a
barn is better than hay stored in the field.
But how can we determine just how much
a farm storage building is worth? The
answer is different for every individual
operation, but there are some guidelines
that will help you make an intelligent ...
Page 11
4 Meet AgGeorgia Member
Kabe Cain
6 Quitman-Brooks County
Chamber of Commerce
Plantation Dinner Salutes
Locally Grown Movement
7 Suppressing Invasive Pigweed
8 Workshop Planned for Small,
Beginning and Limited
Resource Farmers
9 Game Changers and the
2013 Playbook
11 Economics of Farm
Storage Buildings
15 Doing Good, All Year Long
16 Association News
18 AgGeorgia Introduces New
Service to Those Purchasing
Equipment
20 Soup Essentials
22 Property for Sale
Circulation
Kathi 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
800-868-6404. Our quarterly financial report can
also be obtained on our website:
www.aggeorgia.com
Email: mkiley@aggeorgia.com.
Convenient one stop shopping is available
through our new Farm Credit Express
program, providing competitive rates,
flexible terms and the convenience you
are looking for in an equipment finance
program through partnership with
participating dealers.
Farm Credit Express lets you
apply for Farm Credit financing ...
Page 18
AgGeorgia.2.Winter 2013 AgGeorgia.3.Winter 2013

Meet AgGeorgia Member Kabe Cain
By Mary Kiley
Kabe Cain is in many ways a typical young
farmer. He works a full-time job while raising
cattle part time. But unlike most young
farmers who work for another company,
Kabe owns and manages the family’s farm
equipment dealership: Cain Equipment
in Clermont. He inherited the business 12
years ago when his father, Al Cain, retired
and turned the family business over to his
only son.
“This is the only job I’ve ever had,” says
Kabe. “I started working here when I was a
kid.” Al Cain started the business 48 years
ago and sold farm equipment, tractors and
parts to local farmers. Kabe’s mother, Joyce,
worked at the business part time, mostly
keeping the books.
Today, Kabe and his staff of five sell
mostly new and used hay equipment, mowers,
bush hogs and parts to farmers and rural
landowners. His customer base, through
Internet sales, extends to Tennessee, North
Carolina, South Carolina and Florida, as well
as Georgia. And he has quite a bit of walk-in
traffic as well. Jodi Smith, Kabe’s fiancée, also
works at the store, mainly keeping the books
and preparing payroll, but she can often be
found working behind the sales desk, helping
out wherever there is a need.
Kabe first approached AgGeorgia Farm
Credit in 2009, to inquire about financing to
expand his cattle operation. His loan officer,
Kimma Mack says, “Kabe is always prepared
with the information we need to make a loan
decision. He knows what he wants and has
the detailed plans to accomplish his goals.
Kabe is a very respectable, reliable and
dependable man and I consider it a pleasure
to have him as a customer.”
Along with a herd of 125 brood cows,
Kabe also grows high-quality hay that is
suitable for horses as well as cattle. He sells
about a third of the hay and keeps the rest
for his own cattle. He feeds out many of his
calves and sells several lots of them each year.
AgGeorgia Loan Officer Kimma Mack considers it a pleasure to have Kabe as a customer.
Kabe Cain owns and manages the family’s farm
equipment dealership in Clermont. Jodi Smith,
Kabe’s fiancée, also works at the store, keeping
the books, preparing payroll and helping out
wherever there is a need.
Kabe Cain Farm was recently honored
by the Hall County Soil and Water Conservation
District as the 2012 Conservation Farm
Family. Kabe has implemented several conservation
practices on his farm that led to the
award. He has installed cross fencing, and has
heavy use areas and water troughs to enable
“... I was 21 when I took
over the family business
and I’ve been blessed to
be able to make a living
doing what I enjoy.”
~ Kabe Cain
rotational grazing. He has planted hay fields
and pastures with improved grass varieties
and has participated in the Environmental
Quality Incentive Program (EQIP) while
supporting conservation and agricultural
activities in the community.
“The good Lord has really blessed me,”
says Kabe. “I was raised by parents who
instilled in me a good work ethic. I was 21
when I took over the family business and I’ve
been blessed to be able to make a living doing
what I enjoy.”
For more information about Cain
Equipment call 770.983.3608. The company
website is www.cainequipment.com. z
AgGeorgia.4.Winter 2013 AgGeorgia.5.Winter 2013

Quitman-Brooks County Chamber of
Commerce Plantation Dinner Salutes
Locally Grown Movement
Suppressing Invasive Pigweed
By Jackie Busby, Soil Conservationist, Hawkinsville
Martin shows how rolled
rye is helping his peanuts.
The Henry Gray Turner house in Quitman
was the site of the Quitman-Brooks County
Chamber of Commerce Plantation Dinner
fundraiser this past November. As a salute
to the “locally grown” movement, which
encourages people to eat locally produced food,
the dinner featured menu items produced in
Brooks County.
The menu included mixed green salad,
pork loin, seasonal vegetables and pecan
pie. “We are very fortunate here in Brooks
County to be home to some of the highestquality
agricultural producers in the state
of Georgia,” said Lauren Basford, president
of the Quitman-Brooks County Chamber
of Commerce and assistant director of the
Brooks County Development Authority.
“Several have even become nationally recognized.
The menu for the event was comprised
entirely of Brooks County products and
featured over a dozen of those farms.”
Farms that provided the dinner items
included DeWitt Farms and Exum Pecan
Company in Morven; Dixie Bee Company,
Dixie Hay Farm and Thompson Farms Smokehouse
in Dixie; Dreaming Cow Creamery,
Green Hill Dairy and Tim Crosby Farms in
Pavo; and Edwin Pope Farms and Sam Martin
Farms in Barwick.
The plantation dinner was the last
major event of the year that Corey Cottle, the
Chamber’s 2012 chairman, was responsible for
planning. Cottle, who is the branch manager
“ ... we recognize the
importance of agriculture
as the largest employer
and major revenue
generator for Brooks
County.”
~ Corey Cottle
“We are very fortunate
here in Brooks County
to be home to some
of the highest-quality
agricultural producers in
the state of Georgia.”
~ Lauren Basford
in the Quitman office of AgGeorgia Farm
Credit, saw the inaugural event as an opportunity
to involve the agricultural businesses
of the county and spotlight their importance
on the local economy. “Many times Chambers
of Commerce don’t do a great job of reaching
out to local farms and ag businesses, if for no
other reason than that they might not be as
visible as a retail operation with a downtown
storefront,” he said. “However, we recognize
the importance of agriculture as the largest
employer and major revenue generator for
Brooks County.” z
The Henry Gray Turner house was the site
of the Quitman-Brooks County Chamber of
Commerce Plantation Dinner.
Photo by Jared Renfroe
The menu for the event featured food produced in Brooks County. Photo by Alissa Shore
Christopher Martin stood gazing across the
large field of green, head high rye, thinking
“What have I gotten myself into this time?”
“Will my equipment get through this much
rye?” “Can I get a good stand of cotton
planting in rolled straw?” “Will this rye mat
hold the pigweed back and give me the weed
control I’ve been looking for?”
The current scourge of cotton production
in Georgia and the southeast is an herbicide
resistant pigweed, which is known as Palmer
Amaranth. This high-seed producing plant
is rapidly increasing its territory despite
herbicide applications. Previous weed
wars made it obvious to Martin that new
or additional weapons would be needed to
take on this mutated pigweed.
Research conducted by Stanley
Culpepper, extension agronomist, specializing
in weed science and others, proved that
rolling down rye into a thick mat to block out
sunlight is highly effective in the reduction
of pigweed seed germination in crop fields.
Research also indicates that allowing the
Cotton with pigweed
“I am increasing the
acreage I am
planting using the rolled
rye technique.”
~ Christopher Martin
cover crop to mature until it blooms gives
the best results by providing an extended
period of soil shading.
Rye was chosen as the cover crop due to
its chemical properties which discourages the
“germination” and “growth” of other plants.
Establishing a thick, tall, rye cover crop on
Martin’s farm was step one in this pigweed
war. High seeding rates, early planting date,
and/or fertilization can be used to obtain the
desired high volume of rye cover. “I had tried
rye cover crops and strip tilling before,” said
Martin. “However, having this much rye,
rolling the cover crop, and planting into a
six inch strip, was new for me.”
The second step in the battle for control
of Martin’s cotton and peanut fields was to
roll the rye cover down in the same direction
as the following crop will be planted. Martin,
along with other producers in the pilot project
area, developed a heavy steel pipe roller 21 feet
long to roll down and compress the green rye
plants. The heavy roller worked like a charm.
It forced the mature but still green rye into a
soil shading mat—very little of the rye stood
back up. After rolling the rye, a herbicide was
applied to kill the rye.
Finally, Martin planted cotton seed into
six-inch strips. This required some adjustments
to his strip-till planter. During prior
years, Martin planted into one-foot strips.
The goal is to disturb no more soil than
necessary to get good soil seed contact. In
addition, leave the rolled rye undisturbed to
shade all areas except directly above the crop.
This planting resulted in an excellent stand
of cotton, devoid of pigweed plants. Along
with post planting applications of herbicides,
the thick rye cover crop resulted in excellent
suppression of the pigweed and other yield
robbing weeds.
The rye cover deteriorated slowly and
helped maintain exclusion of sunlight until
the cotton was able to shade the soil surface
and impede germination of weed seeds. Time
was just what Martin needed, time to allow
the planting of the crop into a weed-free
environment, time for the seed to germinate,
and time for the seedling to grow into a crop
big enough to shade the ground for itself.
Martin remarked, “I had my doubts when
we started. Now after the second season of
planting into a rolled rye cover crop, I am sold
on the practice. I am increasing the acreage I
am planting using the rolled rye technique.”
Continued on Next Page
AgGeorgia.6.Winter 2013
AgGeorgia.7.Winter 2013

Pigweed (continued from previous page)
The Natural Resources Conservation
Service (NRCS) offers cost-share to farmers in
the Environmental Quality Incentive Program
(EQIP) Pigweed Pilot Project Area as an
incentive to implement these practices and
combat the rampant onslaught of herbicide
resistant pigweed. NRCS reimburses participants
after the cover crop is planted and again
after the strip cropping is applied to NRCS
standards. This assistance is available for two
consecutive years (in the same fields). Martin
and many other farmers in the pilot project
area are participating in this program.
Other partners in this pigweed project
include the Georgia Cooperative Extension
Service, the University of Georgia College of
Agricultural and Environmental Sciences and
the Georgia Cotton Commission. z
“The U.S. Department of Agriculture (USDA) prohibits discrimination in all of its programs and activities on the basis of race, color, national origin, age, disability, and where applicable,
sex (including gender identity and expression), marital status, familial status, parental status, religion, sexual orientation, political beliefs, genetic information, reprisal, or because all
or part of an individual’s income is derived from any public assistance program. (Not all prohibited bases apply to all programs.) Persons with disabilities who require alternative means
for communication of program information (Braille, large print, audiotape, etc.) should contact USDA’s TARGET Center at (202) 720-2600 (voice and TDD).” To file a complaint of
discrimination, write to: USDA, Assistant Secretary for Civil Rights, Office of the Assistant Secretary for Civil Rights, 1400 Independence Avenue, S.W., Stop 9410, Washington, DC
20250-9410. Or call toll-free at (866) 632-9992 (English) or (800) 877-8339 (TDD) or (866) 377-8642 (English Federal-relay) or (800) 845-6136 (Spanish Federal-relay). USDA is an equal
opportunity provider and employer.
This article is reprinted with permission from the December 2012 issue of “Another Conservation Success Story ... Pulaski County, Ga.”
Pine County Resource
Conservation and Development
Council
Ocmulgee River Soil and Water
Conservation District
Calvin Essex 478-987-2280
Workshop Planned for Small,
Beginning and Limited
Resource Farmers
A free one-day educational workshop
benefiting small, beginning and limited
resource farmers is planned for March 14
at Fort Valley State University. Proposed
topics include grazing management, organic
certification, financing small farms, goat/
small ruminant production and financial/
estate planning for small farmers. An update
on the Farm Bill is also on the agenda.
The program is subject to change; for a
complete workshop topic list and schedule,
or to register for the workshop please go to
www.teamaggeorgia.com.
Representatives from AgGeorgia Farm
Credit, USDA, Rural Development, National
Ag Statistics Service, Georgia Forestry and
several other state and federal agencies are
involved in planning the workshop and will be
on hand to answer questions about programs,
products and services available to farmers
in Georgia. z
Game Changers and the
2013 Playbook
By Dr. David M. Kohl
A new year has arrived with its share of
challenges and uncertainties. The playing
field of agriculture is interconnected with
the complexities of the global and domestic
economies that are impacting business, family
and personal lives. What will be the game
changers for 2013 and beyond? How will they
alter the playbooks of businesses competing
on the agriculture playing field?
The Supersized
Super Cycle
The supersized super cycle of commodity
agriculture has lasted a decade, nearly 2 and
a half times longer than the three previous
super cycles in the past century. The major
game changer was growth of the emerging
nations, with China at the fulcrum. Other
game changers such as the shift to biofuels;
an emergence of oil, gas and minerals fueled
by the Federal Reserve maintaining a low
value of the dollar to encourage exports; and
low real interest rates have presented profit
and wealth to many of the 60 million people
who reside in rural America.
Offense Versus Defense
The benefits of the supersized super cycle
have not been equally distributed across the
agricultural industry. On the offensive side,
grain, oilseeds and some of the fiber sectors
have experienced long profit windows
with minimal and shallow downturns.
The managers’ playbooks in these sectors
reward specialization and consolidation as
an offensive strategy. Land prices, both for
purchase and cash rent, have skyrocketed
particularly in the upper Midwest, creating
paper wealth on the balance sheet that has not
been seen in decades. Margin compression is
now being experienced as a result of higher
input costs and increased fixed costs,
particularly related to land. This requires one
to focus on budgeting and scenario planning
as a top priority.
Contrast this to the livestock, poultry,
horticulture and forestry industries, which
have been oriented toward the defensive
section of the playbook. Throughout this
super cycle, there have been short profit
windows with extended sharp downturns.
Specialization has been a risky play, and
many of these businesses have shifted to
producing grain as producers seek profits
and enterprises that are less labor-intensive as
a lifestyle choice. Increased regulation relating
to consumer and food issues, animal welfare,
the environment and labor has taken some of
the economic glow off this side of agriculture.
Weather and
“Black Swans”
Every “quarterback” of an agricultural
business must keep an eye on weather, both
locally and globally. Weather patterns in the
southern hemisphere and in production belts
in the U.S. and Europe this winter and next
spring could result in wide swings in prices
and input cost. A back-to-back drought could
mean a paradigm shift for the livestock and
poultry industries. The weather and “black
swans,” such as military escalation in the
Middle East, or a cyber-attack that could
knock down electrical systems here or abroad
Dr. Dave Kohl
are major events that would result in playbook
strategy changes.
Playbook Strategy
A solid playbook in this environment requires
planning alongside a good set of assistant
coaches and advisors providing input. First,
developing a business plan with goals,
objectives and actions for 2013 is a good first
quarter strategy.
Once your year-end results come in,
schedule an appointment with your lender
to go over the numbers and trends.
In the third and fourth quarters,
regardless of business size, map out your
business growth, evolution, and transition
plans. In these plans, maintain modest debt
levels with financial liquidity in cash. Expect
a 10 percent increase in federal, state and
local taxes since the tax rate and accelerated
depreciation levels will both change. In
sorting out game changers and adjustments
to the playbook, determine what you can
manage, and then define the factors out of
your control that you must manage around.
Finally, prioritize your priorities in
an effort to optimize your time, money
and energy. z
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.
AgGeorgia.8.Winter 2013 AgGeorgia.9.Winter 2013

Experts in Ag Lending.
Meet our Chatsworth and LaFayette staff—Regional Manager Jim
Agnew and his staff work hard to make sure you receive the newest loan
products available on the market, keep your interest rates low, keep
your patronage program strong and provide you with service beyond
compare. Call or come by the Chatsworth or LaFayette branch office,
and let us show you what our experience and knowledge can do for you.
We’ve got you covered—Land, Operating Expenses, Equipment Loans.
Call us today!
From the left, Tim Dean, Anita Anderson, Mitzi Jordan, Linda Currie, Jim Agnew and Gail Foster
AgGeorgia.10.Winter 2013
www.aggeorgia.com
19 Woodlake Drive
Chatsworth, Ga.
706.695.0020
700 East Villanow Street
LaFayette, Ga.
706.638.1940
Economics of Farm Storage Buildings
By John Worley, University of Georgia Cooperative Extension Engineer and Curt Lacy, University of Georgia Cooperative Extension Economist
It is widely accepted that storing farm
equipment under a shelter is better than
storing it outside and that hay stored in a barn
is better than hay stored in the field. But how
can we determine just how much a farm storage
building is worth? The answer is different
for every individual operation, but there are
some guidelines that will help you make an
intelligent decision about whether or not you
can afford a building (or afford not to have
one). The following is a discussion of the costs
and benefits of owning a building, along with
some example calculations. In each example,
you are given the opportunity to substitute
your figures, which might more accurately
reflect your local markets and conditions.
Cost of Owning
a Building
The cost of a building depends on many
factors including the amount of side enclosure,
type of floor, height and type of construction.
Costs also vary depending on steel and wood
prices. For an example calculation (see Figure
1 below), we will use a pre-engineered steel
building 50 by 100 feet with 14-foot eave
height (vertical clearance). The building is
open-sided and has a dirt floor. It would be
suitable for storing equipment or hay.
Depreciation is calculated as the
beginning value minus the ending value
Figure 1. 50 ft. x 100 ft. open shed
Cost - 5,000 sq. ft. of storage @ $5/sq. ft. = $25,000
Salvage value after use = $0
Annual Costs:
Depreciation (20 years) 25,000-0/20 yrs = $1,250
Interest (8% of avg. value) 25,000 x .08 = $2,000
Taxes and Insurance (3%) 25,000 x .03 = $750
Annual Repairs (.5%) 25,000 x .005 = $125
Total Annual Cost = $4,125
divided by the useful life. In this example,
the structure is assumed to be worth $0
after 20 years. In all likelihood, it will be
worth something. In that case, the actual
depreciation will be less. For instance, if the
building was worth $5,000 after 20 years,
the actual depreciation would be $1,000 per
year ($25,000-$5,000/20 years). Interest is
calculated based on the average value which
is the beginning value plus the ending value
divided by two. In this example, the ending
value is assumed to be $0, so the average value
is merely $25,000/2. However, if the ending
value was $5,000, the average value would be
$15,000 ($25,000+$5,000/2).
Taxes and insurance are location
dependent, so readers should consult their
local tax assessor. Annual repairs will vary
considerably. In many years, there will
likely be no repairs. However, in other years
repairs could be considerable. Readers are
encouraged to calculate a realistic average
annual repair estimate or consult with their
builder and include that cost as part of the
annual expenses.
Instead of using depreciation and interest,
some producers may prefer to use annual
principal and interest payments. In that case,
Table C (found on page 13) may be useful. To
use this table, readers find the appropriate
payback period and interest rate and multiply
the corresponding value by the thousands
Your Figures
AgGeorgia.11.Winter 2013
Table A. Increased value of stored equipment
at resale after five years (% of resale price)
5 years Per year
Tractors 16.5% 3.3%
Planters 21.1% 4.4%
Harvesting Equipment 23.7% 4.7%
Tilage Equipment 10% 2%
of dollars financed. For instance, if $25,000
is financed for 20 years at 8%, the annual
payment would be $2,546.26 (25 X $101.85).
Benefits of Storing
Machinery Inside
In a nationwide survey (Meador, 1981),
farmers were asked about the resale value of
their farm equipment at trade-in and whether
or not it was stored inside when not in use.
The results in Table A (above) show that
farmers who traded their equipment after
five years got significantly more for tractors
and other equipment that were stored inside
than for equipment stored outside.
A 3 percent savings per year on barnstored
equipment is a conservative estimate
of storage benefits. Using a resale value of 50
percent of new cost after five years, we can
expect the savings shown in Figure 2 (found
on page 12) from storing equipment.
The equipment described in the example
in Figure 2 would only require approximately
1,100 of the 5,000 square feet of available
space. Additional savings can be expected
from reduced down time. Deterioration of
rubber and plastic parts due to exposure
to the sun is a major contributor to breakdowns
and increased maintenance time. It has
been estimated that barn-stored equipment
has less than half the down time of fieldstored
equipment.
Continued on Next Page

Farm Storage Buildings (continued from previous page)
Benefits of Barn
Hay Storage
A number of studies have been done
comparing various storage methods for
large round bales of hay. The results varied
greatly depending on the weather during the
storage period. The kind and quality of hay,
tightness and size of bales, and the length of
time stored also affect losses. In each test,
though, it was clear that a significant amount
of dry matter was lost in field-stored hay, and
the quality (digestibility) of the remaining
hay was lowered. Results of three of these
tests (1. Ely, 1984; 2. Collins et al., 1987, and
3. Hoveland et al., 1997) are shown in Table
B (found on page 13). All of these tests were
based on a storage period of seven months.
Size of the bale affects losses because
typically the outer 4 to 6 inches of the bale is
lost, and that outer layer represents a higher
portion of a small bale than a large bale. The
outer 6 inches of a 4-foot diameter bale represents
about 44 percent of the bale while the
Figure 3. Benefits of barn-stored hay
Figure 2. Annual savings for storage of selected equipment
Two 100-HP Tractors @ $60,000
Combine
Cotton Picker
Hay Baler (Round)
Total Equipment Value
AgGeorgia.12.Winter 2013
$120,000
$250,000
$300,000
$30,000
$700,000
Equipment value after 5 years (700,000 x 50%) $350,000
Savings of 3% per year (350,000 x 3%) $10,500
Net Annual Savings (Annual Savings less
Annual Cost of Facilities ($10,500-$4,125)
$7,375/year
same outer 6 inches of a 6-foot diameter bale
represents 31 percent of the bale.
The effect of increased digestibility in
barn-stored hay was studied in Study 1 and
shown at the bottom of Table B. This effect
is greater than it initially appears from the
figures in Table B. If we start with a 1,000-
pound bale at 85 percent dry matter and 54
percent digestibility, we have (1,000 x 85%)
= 850 pounds of dry matter and (850 x 54%)
= 459 pounds of digestible hay. If that bale is
Use the following:
1. Hay valued at $75/ton of dry matter (equivalent to $32/1,000-pound roll)
2. Dry matter losses reduced by 30% over ground storage
3. Digestibility decreases from 54% to 45%, yielding a total effective loss of
42% (see previous example)
4. Building is 50 ft. x 100 ft. with annual cost of $4,125
5. Bales are 5 ft. diameter x 4 ft., weigh 1,000 pounds, and are stacked 3 high
(on end), so 500 bales or 250 tons can be stored in the barn.
6. Hay stored at 85% moisture content
Hay Storage Savings:
7. Total dry matter stored: 250 x 85% = 212 tons
8. Dry matter saved: 212 tons x 30% = 64 tons
9. 64 tons @ $75/ton = $4,800
10. Net annual savings: $4,800 - $4,125 = $675
If we include savings due to increased digestibility:
11. 42% x 212 tons x $75/ton = $6,678
12. Net annual savings: $6,678 - $4,125 = $2,553
If hay is worth $90/dry ton ($38/1,000-pound roll):
13. 42% x 212 tons x $90/ton = $8,014
14. Net annual savings: $8,014 - $4,125 = $3,889
Your Figures:
Your Figures
stored on the ground, losing 30 percent of its
dry matter and lowering the digestibility to
45 percent, we now have (850 x 70%) = 595
pounds of dry matter and (595 x 45%) = 268
pounds of digestible hay. This represents a
loss of 42 percent of digestible hay. The actual
savings on hay storage depends on the value of
the hay, the length of storage, and the weather
during the storage period.
Figure 3 (below) shows a conservative
example of the benefits of barn storage. The
($/ton)
(% reduced dry matter loss)
(% digestible hay loss)
(Annual building cost)
(Total tons stored)
(% moisture content)
(#5 x #6)
(#7 x #2)
(#8 x #1)
(#9 - #4)
(#3 x #7 x #1)
(#11 - #4)
(#3 x #7 x $90)
(#13 - #4)
example does not include the benefits of using
the building for other purposes when it’s not
needed for hay storage. Should you store all
of your hay in a barn? Not necessarily. Hay
harvested late in the season and fed early
in the winter would have much lower loss
than hay stored over a longer period. One
strategy would be to store early hay in a barn,
mid-summer hay under tarps, and late hay
in the open (if barns and tarps are all full).
General
Recommendations
1. Open-sided barns should generally be
oriented with the long axis east and west
to minimize the amount of sun intrusion
into the building.
2. If only one side of the barn is open, it
should be facing away from prevailing wind
(generally South), to minimize rain being
blown into the barn.
3. All buildings should meet Southern
Building Code requirements.
Table B. Storage and handling losses for large round hay bales
Study
Ground
Stored
Elevated on
Pallets
Table C. Annual payments per $1,000 borrowed for various payback periods and interest rates
Number
Interest Rate
of Years
4.00% 6.00% 8.00% 10.00% 12.00%
1 $1,040.00 $1,060.00 $1,080.00 $1,100.00 $1,120.00
2 $530.20 $545.44 $560.77 $576.19 $591.70
3 $360.35 $374.11 $388.03 $402.11 $416.35
4 $275.49 $288.59 $301.92 $315.47 $329.23
5 $224.63 $237.40 $250.46 $263.80 $277.41
6 $190.76 $203.36 $216.32 $229.61 $243.23
7 $166.61 $179.14 $192.07 $205.41 $219.12
8 $148.53 $161.04 $174.01 $187.44 $201.30
9 $134.49 $147.02 $160.08 $173.64 $187.68
10 $123.29 $135.87 $149.03 $162.75 $176.98
11 $114.15 $126.79 $140.08 $153.96 $168.42
12 $106.55 $119.28 $132.70 $146.76 $161.44
13 $100.14 $112.96 $126.52 $140.78 $155.68
14 $94.67 $107.58 $121.30 $135.75 $150.87
15 $89.94 $102.96 $116.83 $131.47 $146.82
16 $85.82 $98.95 $112.98 $127.82 $143.39
17 $82.20 $95.44 $109.63 $124.66 $140.46
18 $78.99 $92.36 $106.70 $121.93 $137.94
19 $76.14 $89.62 $104.13 $119.55 $135.76
20 $73.58 $87.18 $101.85 $117.46 $133.88
25 $64.01 $78.23 $93.68 $110.17 $127.50
30 $57.83 $72.65 $88.83 $106.08 $124.14
35 $53.58 $68.97 $85.80 $103.69 $122.32
40 $50.52 $66.46 $83.86 $102.26 $121.30
AgGeorgia.13.Winter 2013
Elevated &
Tarped
Tarped
Only
Barn Stored
Dry Matter and Handling Loss (1%)
1 65 38 14 NA 4
2 50 32 14 NA 4
3 30 NA NA 10 0
Digestibility (%)
1 45 49 52 NA 54
4. Sidewalls add protection to both
equipment and hay, but add significantly
to the cost of the building. You should get
a bid on different types of buildings and
do your own analysis using the guidelines
in this publication.
5. Buildings for hay storage should be as
open as possible in the gable ends (peak
of the roof) to allow moisture to escape as
the hay dries while in the barn. Otherwise,
condensation and rust will occur on the
inside of the roof. Ridge vents should also
be considered in large barns. One hundred
tons of hay will give off about 5,000 pounds
of water during curing, and this must be
removed by ventilation.
6. More large round hay bales can be stored
in a barn by stacking the bales on their (flat)
end rather than on their (round) side. This
can be done with a 4-foot front-end-loader
fork. It does, however, take a little more time
and effort than storing on the side.
7. Make sure the eave height (vertical
clearance) of your barn is high enough
to fit your needs (usually at least 14 feet.)
Nothing is more frustrating than realizing
that one more foot of ceiling height would
allow you to put another layer of hay bales
in the barn or that your barn is one foot too
short for the new combine. z
References
Collins, W.H., B.R. McKinnon, and J.P. Mason.
1987. Hay production and storage: economic comparison
of selected management systems. ASAE Paper #
87-4504, ASAE, St. Joseph, MI.
Ely, Lane C. 1984. The quality of stored round
hay bales or how much of your hay bale is left to feed.
Georgia Dairyfax. January 1984. University of
Georgia, Animal and Dairy Science Dept.
Hoveland, C.S., J.C. Garner, and M.A. McCann.
1997. Does it pay to cover hay bales? The Georgia
Cattleman, July, 1997, p .9, 10.
Meador, Neal. 1981. Spend 35% of equipment
investment for storage. Farm Building News, Sept.
1981. p. 56.
The University of Georgia and Ft. Valley State University,
the U.S. Department of Agriculture and counties of the
state cooperating. Cooperative Extension, the University
of Georgia College of Agricultural and Environmental
John Worley, Extension Engineer and Curt Lacy, Extension Economist
Sciences, offers educational programs, assistance and
materials to all people without regard to race, color,
national origin, age, gender or disability.
Economics of Farm Storage Buildings
It is widely accepted that storing farm equipment under a shelter is better than storing
outside and that hay stored in a barn is better than hay stored in the field. But how can
determine just how much This article a farm is reprinted storage building with permission worth? by The The University answer is different fo
individual operation, of but Georgia there Cooperative are some guidelines Extension that will help you make an intellig
decision about whether or not you can afford a building (or afford not to have one).T
following is a discussion of the costs and benefits of owning a building, along with som
example calculations. In each example, you are given the opportunity to substitute yo

You have real financial needs.
We have real solutions.
We’ve been serving young, beginning and small farmers for nearly
100 years. We’re different and we’ll prove it.
35 acres to spray
seed to buy
new tractor
irrigation systems
fertilizer to spread
barn expansion
workers to pay
harvester to get repaired
pickup trucks
all-terrain vehicle
storage bins
land to rent
800-868-6404
www.aggeorgia.com
Doing Good, All Year Long
By Family Features, Source: Sam’s Club
While charitable giving increases towards the
end of the year as important community needs
are showcased, such needs continue all year
long. Unfortunately, giving tends to drop off
after the holidays, leaving many organizations
with a shortfall of donated goods, cash and
even volunteers in the new year.
“While it is true that part of the
Christmas and holiday tradition is to
give back to others, there are needs in our
community throughout the year,” said Major
George Hood, national community relations
and development secretary for The Salvation
Army. “The Salvation Army serves nearly 30
million people every year and we cannot do
that without the generosity of the American
public who gives back, beyond the holidays.”
What You Can Do
Whether you volunteer or collect goods to
donate, resolve to take simple steps in 2013
to better your community. To shine a light on
ways to give back, Ericka Lassiter, pro football
player partner, avid volunteer and president
of the non-profit Off The Field Players Wives
Association, shares her top three tips on how
to make giving a year-long tradition:
Tip #1: Simple Items
Make a Big Difference
Many local charities collect clothes and
essentials for families, particularly children,
all year long. From warm coats and blankets
to socks, toothpaste and soap, the simplest
items can make a real difference for those in
need. Consider donating gently used items
after your annual spring cleaning, organize
a donation drive in your neighborhood, or
if you buy in bulk at warehouse clubs like
Sam’s Club, choose a few items from each
trip to set aside for donation to your favorite
local charity.
“The Salvation Army
serves nearly 30 million
people every year and we
cannot do that without
the generosity of the
American public who
gives back, beyond the
holidays.”
~ Major George Hood
Tip #2: Think
Outside the Can
Food banks are always in need of cash and
food donations throughout the year. Feeding
America says that for $1, food banks can
provide eight meals to men, women and
children facing hunger; $50 will provide 400
meals. Donate at www.FeedingAmerica.org
or call your local food bank and ask for their
“most wanted” list. Often, proteins are at the
top of the list along with peanut butter, baby
food and juice boxes. Home gardeners with
bumper crops can glean their harvests and
share fresh vegetables and fruits so they don’t
go to waste.
Tip #3: Ways to
Help are Closer
Than You Think
Your local community center, religious
institution or library most likely has programs
to help those in need, so you can help as
part of your regular routine. Ask if you can
volunteer to serve meals to the homeless after
church services, or offer to read to children at
the local library. There are countless ways to
lend a hand, so find one that feels right to you
or visit www.volunteermatch.org for ideas.
“Every community will have unique
needs and strengths,” said Susan Koehler,
senior manager of community involvement
for Sam’s Club. “To make the greatest impact,
those wanting to give back should consider
asking about workplace programs that match
volunteer hours, local donation guidelines or
making giving back a regular family activity.” z
Photo courtesy Getty Images
AgGeorgia.14.Winter 2013
AgGeorgia.15.Winter 2013

15 Years of Service 20 Years of Service
Association News
Anniversaries
K. Renny Lindsey
Sandersville Office
Janice B. Farr
Clarkesville Office
Becky A. Carroll
Corporate/Perry
Congratulations to the following staff members who celebrated milestone anniversaries with AgGeorgia this past year.
5 Years of Service
10 Years of Service
25 Years of Service 30 Years of Service
Jennifer L. Bush
Clarkesville Office
Thomas E. Fresh
Corporate/Perry
P. Mickey Gilbert
Cordele Office
Aaron C. Hemmer
Corporate/Perry
Stephen G. Connelly
Corporate/Perry
W. Douglas Graham
Washington Office
Tara B. Bozeman
Moultrie Office
Tim Dean
Corporate/Lafayette
K. Rosanna Herren
Corporate/Perry
T. Ray Hendrick
Tifton Office
Rita Bolemon
Royston Office
Stephanie M. Hogan
Tifton Office
Mitzi K. Jordan
Chatsworth Office
Charlotte C. Taylor
Clarkesville Office
Kelly M. Ryan
Corporate/Cartersville
E. Gordon Hughes
Corporate/Tifton
Dave H. Moon
Corporate/Royston
Marvin (Marty) J.
Moore
Corporate/Perry
Connie B. Stinson
Dublin Office
Insurance Reminder
AgGeorgia Farm Credit, Agricultural
Credit 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
AgGeorgia.16.Winter 2013
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 lightning, 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 Oct. 4, 1996, and at the time the
loan was made the property was located in a
government mandated Special Flood Hazard
Area and flood insurance was available.
If the property securing your indebtedness
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.
AgGeorgia.17.Winter 2013
If your current coverage does not conform
to these requirements, please contact your
insurance representative and effect the necessary
changes to ensure your coverage does comply
with these requirements. Please contact your
local AgGeorgia Farm Credit representative if
you have any questions or comments. z

New Employees
Ryan Coleman began
his Farm Credit career
Oct. 15, in the Perry
branch office as a loan
officer. Ryan is engaged
to Carrie Bradley and
enjoys golf, basketball
and Florida Gators
football. He will
be serving the credit needs of AgGeorgia
members in Bibb, Crawford, Houston, Macon,
Peach and Taylor counties.
Promotions
Michelle Avant has
been promoted to
compliance specialist
and is now working
from the Nashville
branch office. Michelle
has served on the
AgGeorgia compliance
team and with this new
position will build on our continuing efforts in
understanding, administering and complying
with all regulatory issues. She will monitor
and provide business and field support in all
areas of regulatory policy and procedures.
Sara Mitchem started
working as a loan
officer in the Perry
branch office Nov. 1.
She and her husband,
Justin, have two
children, J.D. and Rex.
Sara enjoys running,
shopping and reading.
Sara will be serving the credit needs of farmers
in Bibb, Crawford, Houston, Macon, Peach
and Taylor counties.
Michael Tankersley
has been named branch
manager of the Ocilla
office. He served as a
loan officer in the Tifton
office before moving
to the Ocilla branch.
Michael is a graduate
of The University of
Georgia with a degree in agronomy.
Matt Moxley began
working as a loan officer
in the Waynesboro
office Jan. 7. Matt
is a graduate of The
University of Georgia
with a degree in real
estate and agribusiness
management. He will be
serving the credit needs of residents of Burke,
Columbia, McDuffie and Richmond counties.
Gaines Story has been
named branch manager
of the Waynesboro
branch office. He
has been serving the
credit needs of the
Waynesboro branch
members as a loan
officer for three years.
A native of Waynesboro, Gaines is a graduate
of The University of Georgia with a degree
in agribusiness. z
A Great Way to Get
Loan Information … Any Time!
With AccountAccess you can:
• Make your AgGeorgia Farm Credit payment online.
• Check your principal balance, accrued interest, interest paid year-to-date,
interest rate, next payment date and amount, and more. Account information
is updated every business day.
800.868.6404
• View all of your loan information on one page—no paging back and forth.
www.aggeorgia.com
• Access your loan information any time of the day, any day of the year.
It’s here when you need it.
Signing up for AccountAccess is easy:
1. Go to www.aggeorgia.com
2. Click on “AccountAccess” on the top left of the screen
3. Click on the “Sign Up” button on the top left
4. Follow the online instructions
AccountAccess is fast, easy and convenient. Try it today, and make your life—and your accountant’s life —much easier!
AgGeorgia Introduces New Service to Those
Purchasing Equipment
Is new equipment on your must-have list this
spring? AgGeorgia has a new program—Farm
Credit EXPRESS—that will help make your
purchase even easier.
Farm Credit EXPRESS lets you apply for
Farm Credit financing at your local dealership.
It offers competitive rates, flexible terms, and
of course the ultimate in convenience.
Using Farm Credit EXPRESS means that
you can take advantage of all manufacturer
cash discounts, while still getting great rates
and terms. And because your loan is with
AgGeorgia, you can enjoy the benefits of
Farm Credit’s cooperative structure, where
you’re an owner, and not just a customer. As a
cooperative, Farm Credit can return its profits
to its owners through our patronage distribution
program, which reduces your effective
cost of borrowing money.
Be sure to ask your equipment dealer
if they are participating in Farm Credit
EXPRESS (more than 15 dealers in our territory
are). If they aren’t, Ragan Fretwell—our Farm
Credit EXPRESS relationship manager—will
be happy to tell them more about the program.
Ragan has more than nine years of Farm Credit
AgGeorgia.18.Winter 2013
experience, and is a great representative of this
new program.
If you have questions about the Farm
Credit EXPRESS program, feel free to contact
Ragan at rfretwell@aggeorgia.com or call
(229) 254-6391. z

Soup Essentials
By Family Features, Source: Smithfield
Few things warm your body and soul quite like a bowl of hot and hearty soup on a chilly day. Don’t be left out in the cold this winter. Make sure
you have a pantry stocked with the right ingredients to make a delicious, comforting soup any time your taste buds desire. Here’s what you need:
Grains and Legumes
Grains, pastas and legumes are a must. They offer filling fiber along
with great taste and texture.
• Brown rice
• Long grain rice
• Rigatoni
• Small pastas such as orzo
or ditalini
• Farfalle
• Egg noodles
• Canned beans such as
pinto, black, cannellini/
white kidney, and lentils
• Couscous
• Quinoa or barley
Vegetables
Adding two or three vegetables to a recipe brings color, flavor and
vitamins to your soup.
• Roasted peppers
• Canned corn
• Canned tomatoes
• Dried mushrooms
Broths and Stocks
For an inexpensive way to season your soup, make your own stock
and freeze it for whenever you need it. You can also buy broth at the
grocery store and save in your pantry until needed. Either way, make
sure to keep a variety on hand for different kinds of soup.
• Low sodium chicken broth
or stock
• Beef broth or stock
• Onions
• Carrots
• Celery
• Vegetable broth or stock
• Soup bases, such as turkey,
chicken or beef
Proteins
Make sure to hold onto your leftovers. Ham, bacon, turkey, chicken, beef
and sausage can all be great flavor additions. These two soup recipes
will help you enjoy every last bite of your remaining Smithfield ham
and its rich, smoky flavor.
Winter Root Vegetable and
Ham Soup
Serves: 6
Ingredients:
2 cups leftover Smithfield ham, chopped
2 tablespoons olive oil
1 large leek, chopped
4 cups diced butternut squash
2 medium carrots, peeled and diced
2 large Yukon gold potatoes, peeled and diced
1 large parsnip, peeled and diced
1 large garlic clove, minced
1 1/2 teaspoons ground cumin
1/8 teaspoon ground black pepper
2 cups chopped escarole
3 cups vegetable broth
Directions:
In medium saucepan, heat olive oil over medium heat. Add leeks and
garlic; cook, stirring occasionally, until soft, about 5 minutes. Stir in
cumin; cook 1 minute until fragrant.
Stir in broth, butternut squash, carrots, potatoes, parsnip,
Smithfield ham and pepper. Over high heat, heat to boiling; reduce
heat to low; cover and simmer 15 minutes until vegetables are almost
tender, stirring occasionally. Add escarole; cook 5 minutes longer.
Hearty Pasta Fagiole with Ham
Serves: 6
Ingredients:
2 cups leftover Smithfield ham, diced
2 tablespoons olive oil
2 16-ounce cans white kidney beans, drained and rinsed
1 large tomato, diced
4 large garlic cloves, minced
1/4 teaspoon ground black pepper
2 tablespoons fresh chopped parsley
2 cups ditalini or tubetini pasta, cooked
2 cups chicken broth
Grated Parmesan cheese
Directions:
In 3-quart saucepan over medium heat, in hot oil, cook garlic, about
3 minutes, until softened. Add white kidney beans, tomato, chicken
broth, ham and pepper; over high heat, heat to boiling. Reduce heat to
low; simmer, uncovered, 15 minutes, stirring occasionally.
To serve, stir in parsley. Serve with grated Parmesan cheese.
Stock up on soup essentials today so you can enjoy the perfect
soup any time you want. You can find more recipes and tips like these
at www.smithfield.com. z
AgGeorgia.20.Winter 2013 AgGeorgia.21.Winter 2013

Camden County
Property for Sale
Properties 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 Mary Kiley for details at mkiley@aggeorgia.com or 770/536-3660 ext 374.
Banks County
Berrien County
12.45 acres in Berrien County. Looking for a tract
to build on or put a mobile home on, well this is it.
This tract consist of 12.45 acres some cleared land
and some wooded. Call Melissa at Southern Traditions
Realty 229.445.1270.
HULL ISLAND - 31 acre gorgeous island on White
Oak River near Woodbine and I-95. 243 acres of
upland timber with live oaks, 166 acres marshland.
Own your own perfect recreational retreat that has
it all. Put the tract in a conservation easement and
enjoy the tax savings. Island plus 409 acres priced
at $690,000. Bickley & Assoc. 478-214-0559.
johnbickley@comsouth.net.
This property is near the intersection of US 19
bypass and US Highwy 319 North in Moultrie
Georgia in Colquitt County. Set up as 3 mobile
home lots and singlewide or doublewides are
approved. This property has 2 wells and 3 septic
tanks. 1 lot rented and 2 are vacant. Corners on
paved roads Doc Darbyshire and Thomas Street.
$39,900 Call Ronnie Dunn at Century 21 Smith
Branch & Pope at 229-388-7283.
Coffee County
Banks County: Country Brick home on 9.89 acres.
Lovely tract of land with garden areas. County water
and wells. Full basement. Porches & large deck. 2 car
carport plus additional parking at basement entry.
5 stall equipment shed. 2 - 36x400 poultry houses
with equipment that can be used for chickens or
other livestock or converted to other farm use such
as barns/shop/storage. Chainlink dog pen. Paved road
frontage. Located only minutes from Hwy 365 - I-985
near Lula & Gillsville. Also convenient to Hwy I-85
Exit 149. $145,000 Call Tammy Purcell at Purcell
Realty off.(706)677-3001 or cell(770)533-1387 or
email pr1realty@aol.com for more information. See
property at www.purcellrealty.com.
Bartow County
Small farm Heaven! 31.5 acres in North Bartow
County. Located 1 mile east of Hwy 411 on Hwy
140, this scenic property has Sugar Hill Creek as the
west boundary, adjoins 100 acres of designated green
space behind it and has an unobstructed view of Pine
Log Mountain to the south. Property is divided into
2 fenced pastures with water on both. Perfect for
any livestock! Call owners Andy at 770-655-0578
or Marie at 404-790-6736.
300 acres in Berrien County. Gorgeous riverfront
property, great fishing and abundant in wildlife! Good
interior roads. Future value in planted pines! Owner
financing available! Call Brenda DeLoach at Southern
Traditions Realty 229.507.0622.
52 acres in Berrien County. Gorgeous riverfront
property. Abundant with deer and turkey. Boat dock
for fishing, beautiful campsite! Call Brenda DeLoach
at Southern Traditions Realty 229.507.0622.
382 acres in Enigma, Ga. Absolutely beautiful
farm with rolling hills and 5 ponds! Approx 175
acres in cultivation with remainder in ponds and
natural woods with some merchantable pines. 2800
sq ft home and cabin included with sale of property.
Call Brenda DeLoach at Southern Traditions Realty
229.507.0622.
300 acre River Tract in Alapaha, Ga. Check out
this new listing! This tract has highway frontage, lots
of river, and is great for hunting & fishing! Call Brenda
DeLoach at Southern Traditions Realty 229.507.0622 .
300 acres in Alapaha. Absolutely gorgeous farm
with everything to offer! Planted pines varying in ages
from 10-30 years old, beautiful home site,
breathtaking pond, and river frontage! This property
is a recreational treasure with its pine forests and
natural woodlands providing a natural habitat for
deer, turkey and quail. Historic barn would make a
great cabin! Owner will subdivide. Call Melissa Taylor
at Southern Traditions Realty 229.445.1270 (Shearer
333 pond shrunk).
Gorgeous small farm with 38.5 acres in
cultivation! 22.9 acre cotton allotment. Mature
timber ready to cut. Property also has future
developmental possibilities with close proximity to
Moody! Call Brenda at Southern Traditions Realty
229.507.0622.
192 acres in Enigma. Absolutely gorgeous farm with
rolling hills and 2 ponds! Approx 50% in cultivation
with remainder in ponds and natural woods with
some merchantable pines. Call Melissa at Southern
Traditions Realty 229.445.1270.
28.64 acres of high and dry land within 1.5 miles
of Nashville City limits. This tract is a portion of the
listed tax map & parcel and further described as lots
7 through 17 per previously surveyed development
as recorded in P.C. 2 Page F-48C and offered as
one tract in this listing. Land is +-85% in existing
cultivation, great building site(s), mini-farm, or future
development. Call John Hogan at Southern Traditions
Realty 229.507.0395.
Absolutely gorgeous 345 acre tract fronting
the Satilla River and Wiggins Creek! This is a
hunter’s dream with areas perfect for quail hunting,
deer, turkey...you name it! 20-30 year old planted
pines perfect for future income, gorgeous oaks, good
interior roads. Gorgeous home with top of the line
everything, huge rooms, fireplace in den, open floor
plan, huge master suite, office and craft room, huge
50 X 30 Barn and 20 X 20 heated and cooled shop.
Can be subdivided and purchased with or without the
home. Call Brenda DeLoach with Southern Traditions
Realty 229.507.0622.
Colquitt County
This property is on a paved road just 1 mile off US
Highway 319, about a mile south of Norman Park,
GA in Colquitt County. A total of 7.7 acres. It has
600 feet frontage on Bear Creek Road and goes 560
feet deep. Originally it was 2 lots. If divided into 2
lots you could have a single family dwelling on each
lot. Mobile homes are allowed. Call Ronnie Dunn
at Century 21 Smith Branch & Pope 229-388-7283.
Productive Timber Land. This tract offers excellent
timber growth. Located on Funston Sigsbee Road
in Colquitt County, with good hunting as a bonus.
Good timber markets. Good access to property.
Priced @ $1,900/acre. Call or email Mike Harrison
at Harrison Real Estate Company (229-890-6584)
harrisonforest@moultriega.net.
Emanuel County
EMANUEL COUNTY 1077 acres of land that
features Ogeecheee River frontage, 400 + acres
of 25 year old pines, 678 acres of hardwood.
Great recreational timber investment. Highway 56
frontage. Owner will offer owner financing. Tract
has been prequalified for a conservation easement.
$2100 per acre. Bickley & Assoc. 478-214-0559
johnbickley@comsouth.net.
AgGeorgia.22.Winter 2013
AgGeorgia.23.Winter 2013

Grady County
Tift County
Turner County
566 acres located on Hwy. 56 and Little Ohoopee
River. 158 acres of 23 yr. old pines, 115 acres 4
yr. old pines, 293 acres hardwood, good roads
with food plots. Great Deer and Turkey hunting.
Owner financing. Tract has been pre-qualified for a
conservation easement. $1400 per acre. Bickley &
Assoc. 478-214-0559-johnbickley@comsouth.net.
Glascock County
75 Acres located on Warrenton-Mitchell Road.
Acreage has pond, open land, and timber. Perfect for
a homesite. Beautiful views. $2,500 per acre. Contact
Town & Country Real Estate @ 478-552-5681 or
www.tandcrealestate.com.
This beautiful 13.2 acre manicured property
w/pond view has an electric gate and is fully
fenced and has privacy landscaping on all fence
lines. Large pond with dock and gazebo and 2 small
training ponds. Immaculate 3 BR/2 BA lodge style
Energy Star Rated Home + spray foam insulation;
Great Room with 23ft cathedral ceiling; flagstone
fireplace with gas starter, civil war reclaimed antique
heart pine beams and mantle, turn of the century
antique heart pine floors, deadhead cypress V-groove
ceiling; MBR with fireplace and pine floors and
MBA with hammered copper double-slipper tub
and separate shower with Moen spa system. Kitchen
with custom cabinets, granite countertops, brick
floor, hammered copper double farm sink, GE profile
appliances and beverage cooler. Loft area, security
system with camera surveillance, screened porch,
48x50 Carriage house with 14x25 shop with full
bath. Guest house with screened porch! 25 Min.
from Thomasville or Tallahassee. Horses Welcome!
See the Gorgeous Virtual Tour online! MLS#904523
$549,000 Call Kathy Palmer at First Thomasville
Realty at 229-226-6515 or 229-220-9823 or view
online at www.FTRealty.com.
Hancock County
31.5 Acres on Kennedy Cemetery Road. All
marketable timber was cut in 2011. Good tract for
hunting, home site, family recreation or development.
$800 per acre. Contact Town & Country Real Estate
@ 478-552-5681 or www.tandcrealestate.com.
68.95 Acres on Warren Road (paved) and Glen
Harper Road (dirt). All marketable timber has been
sold and cut. Three creek bottoms and good interior
road system. Great for deer and turkey hunting. $995
per acre. Contact Town & Country Real Estate @
478-552-5681 or www.tandcrealestate.com.
Irwin County
Wonderful building site on a paved road already
landscaped with planted pines, Bradford Pears,
Crepe Myrtles, and Azaelas as well as centipede
grass. This 5.66 acre tract just a few miles northeast
of Tifton Georgia in Tift County. 1500 sq ft
minimum no mobile homes. It has 394 feet front
footage. Part of this tract would be ideal for a pond.
$49,900 Call Ronnie Dunn at Century 21 Smith
Branch & Pope 229-388-7283.
Beautiful 4 acre lot with planted pines on a well
stock 8 acre lake just west of Tifton Georgia
in Tift County. 220 feet front footage and a great
building site. 1800 sq ft minimum and no mobile
homes. This is 1 of 4 lots that are available. $30,000.
Call Ronnie Dunn at Century 21 Smith Branch &
Pope 229-388-7283.
Are you searching for a 12 acre building site on
water? Here it is. Just west of Tifton Georgia in
Tift County out in the peace and quiet of the country.
This is part of a 31 acre developed tract ideal for your
dream home. Tested and approved for a deep well
and septic tank, 1800 sq ft minimum and no mobile
homes. $7500 an acre. Call Ronnie Dunn at Century
21 Smith Branch & Pope 229-388-7283.
These 8 acres are part of a 31 acres tract just
west of Tifton Georgia in Tift County. Already
tested and approved for a deep well and septic tank.
Ideal spot near town to build your dream home in the
peace and quiet of the country. 1800 minimum sq
ft and no mobile homes. This tract priced at $6500
an acre. Call Ronnie Dunn at Century 21 Smith
Branch & Pope 229-388-7283.
Nice brick ranch style home with a 20x40
in-ground pool, bath house, and a 28 x 96
equipment shed. 69 acres with planted pines
overlooking gorgeous rolling countryside! Less than
20 minutes from Tifton and 5 minutes from Ashburn!
Call Brenda DeLoach at Southern Traditions Realty
229.507.0622.
Washington County
1.95 Acre Wooded Lot located on the corner of
Highway 242 and Old Savannah Road. Priced to
sell at $6000. Contact Town & Country Real Estate
@ 478-552-5681 or www.tandcrealestate.com.
292.2 Acres located west of Gibson, Georgia on
Wilcher Road. Loblolly pine planted in 1997 and
natural hardwoods. Great hunting or investment
tract. Reduced price to $1,795 per acre. Contact
Town & Country Real Estate @ 478-552-5681 or
www.tandcrealestate.com.
1156 Frazier Road, Sparta, Georgia. Great home
located in the country on 1 acre of land. Home has 838
sq ft on the main level and 672 sq ft as a fully functional
basement. Fenced yard, outbuildings, deck around
house, and rear covered patio. A MUST SEE. Priced
to sell at $72,500. Contact Town & Country Real
Estate @ 478-552-5681 or www.tandcrealestate.com.
125 acres in Ocilla. Absolutely gorgeous home
place or recreational tract! Beautiful 32 acres of
established coastal bermuda pasture for horses, cows
or extra income. Approximately 94 acres of pines and
hardwoods bordering a small creek and surrounded
by large tracts makes this a perfect recreational
tract! Abundance of deer, turkey and other wildlife!
Includes 3br, 2ba mobile home and a large equipment
shed. Call Melissa at Southern Traditions Realty
229.445.1270.
Johnson County
25.8 acre mini farm in Johnson County, Ga. on
Cambell Road. Approximately eight acres in five year
old planted pines with the balance cutover. Asking
price $ 26,500. Call Preston Glover for additional
information @ 478-697-2702 or 478-864-2465.
This is a beautiful 7 acre lot with planted pines
on a 5 acre lake just west of Tifton Georgia in Tift
County. This is part of a 31 acre tract offered for sale.
Tested and approved for a deep well and septic tank.
1800 sq ft minimum and no mobile homes. $7500
an acre. Call Ronnie Dunn at Century 21 Smith
Branch & Pope 229-388-7283.
33.82 acres close to Tifton. Looking for a small
farm or a great building site, this is the tract. Great
location, some cultivation and woods. Call Melissa at
Southern Traditions Realty 229.445.1270.
146.25 Acres located 10 miles SE of Sandersville
on State Route 231. All marketable timber has been
sold and cut. Small creek on back line and good
interior road system. Price to sell at $995 per acre.
Contact Town & Country Real Estate @ 478-552-
5681 or www.tandcrealestate.com.
AgGeorgia.24.Winter 2013 AgGeorgia.25.Winter 2013

Lifestyle
Financing
for your
Private, Cozy Cabin on 52.58 Acres. Great for
a family home or hunting retreat. Cabin has 2
bedrooms, sleeping loft, 1 bath with ceramic tile,
custom cabinetry, hardwood floors, pine walls,
fireplace with stone chimney, utility room with washer
and dryer, standing seam metal roof, central heat/
air, security system, and all furnishings go with the
home. Acreage is a mixture of hardwood and pine,
food plot with irrigation, good interior road, and
tower stand. A MUST SEE! $285,000 Contact
Town & Country Real Estate @ 478-552-5681 or
www.tandcrealestate.com.
This property offers the ease of country living just
minutes from downtown. The 5935 sq. ft. custom
home with 5BR/4BA sits on 2.5 acres adjacent to
a 30 acre lake. The sun room overlooks the lake,
large gardens, boathouse, practice putting green and
bunker. The exterior is finished in western red cedar
board and batten and upgrades expected in a home
of this caliber are featured. In addition to the home,
a 560 sq. ft. boathouse has a full kitchen, bathroom,
and deck from which to enjoy the 30 lake. Contact
E. W. Bowers, Jr. at Kunes Real Estate & Appraisals,
Inc.: 229-386-0440 or 229-848-0450 or ewb@
kunesrealestate.com.
Wilcox County
Farm on Highway 68 South. 76.08 acres of beautiful
cropland, fenced and cross fenced, 3 mobile homes,
horse barn, storage barn, metal workshop, radiator
shop, and hay & equipment barn. REDUCED price
of $230,000. Contact Town & Country Real Estate
@ 478-552-5681 or www.tandcrealestate.com.
Wilkinson County
1,094.96+/- Acre Recreation Tract in Wilkinson
County on Oconee River. The tract is located
approximately 10.6 miles southeast of Toomsboro,
GA. Acreage consists of 2 different tracts: The
Pond Tract and River Tract. The Pond tract
contains approximately 350 acres of planted pines,
an approximate 13 acre fully stocked pond, and an
approximate 10 acre dove field. The River tract is a
mixture of hardwoods, cypress and cut over and has
approximately 1.5 miles of frontage on the Oconee
River. Electrical power, deep well and septic field
are in place. There is an approximate 3,600 square
foot metal storage building on slab. Additional
chattel is included. Contact Bruce Elliott at Bruce
Elliott & Associates, Inc., 478-746-0700 or Bruce@
BruceElliottAssociates.com.
With majestic pines and gently rolling trails,
this premium property of 288 acres is the ideal
hunting spot and excellent investment property.
With little creeks and ponds scattered throughout,
this pine plantation is a natural oasis for wildlife such
as deer and turkey. There is also a large pond around
5-10 acres great for bass fishing and duck. Close to
the Ocmulgee River that runs through 33 counties,
and with 1469ft frontage on Hwy 129 and planted
pines between 23-27 years, this is a recreational retreat
that will continue to appreciate in value for many
years to come. Current Timber Cruise is available.
Directions: From I-75 take exit 101 (Hwy 280) east
to Abbeville (approx 29 miles). Turn right on 129/
South Broad Street (approx 4.9 miles). Right on to
Beecher Road. MLS #: L121387A $667,000 ($2312.4
per acre) Please call Lindy Dorminy Bengston at
Century 21 Smith Branch Pope (229)-206-2713 or
229-386-8737.
Whether you like to hunt, fish or just take a break from the fast pace
of the city, a place in the country may be just what you need. If
you’re looking for a little or a lot, wanting to build or just invest in
land, we know where to begin. We’ve been lending money to rural America
for more than 95 years. Call us. We’re the experts.
Benefits of financing with Farm Credit:
• Loans structured to your individual
needs
• Long-term financing up to 20 years
• Experienced commercial lending staff
with specific knowledge of the forest
products industry
• Competitive rates & terms
• Variety of flexible repayment plans
• Your time is valuable—we will meet
when & where it is convenient for you!
• Patronage refunds
AgGeorgia.26.Winter 2013
(800) 868-6404 | www.aggeorgia.com

AgGeorgia Farm Credit
P.O. Box 1820
Perry, GA 31069
PRSRT STD
U.S. POSTAGE
PAID
COLUMBIA SC
PERMIT 1160
Office Locations
Cartersville
1300 East Main Street
Cartersville, GA 30120
(770) 382-3637
Gainesville
501 Broad Street
Gainesville, GA 30501
(770) 534-5395
Ocilla
302 S. Cherry Street
Ocilla, GA 31774
(229) 468-5900
Sandersville
775 Sparta Road
Sandersville, GA 31082
(478) 552-6922
Chatsworth
19 Woodlake Drive
Chatsworth, GA 30705
(706) 695-0020
LaFayette
700 East Villanow Street
LaFayette, GA 30728
(706) 638-1940
Perry
468 Perry Parkway
Perry, GA 31069
(478) 987-1434
Sylvester
105 Dexter Wilson Blvd
Sylvester, GA 31791
(229) 776-5599
Clarkesville
102 Blacksnake Road
Mt. Airy, GA 30563
(706) 754-4158
Montezuma
317 Walnut Street
Montezuma, GA 31063
(478) 472-5156
Quitman
504 E. Screven Street
Quitman, GA 31643
(229) 263-7551
Tifton
1807 King Road
Tifton, GA 31794
(229) 382-4300
Cordele
1207 South Greer Street
Cordele, GA 31010
(229) 273-3927
Moultrie
22 5 th Avenue., SE
Moultrie, GA 31768
(229) 985-3893
Rome
701 East 2 nd Avenue
Rome, GA 30162
(706) 291-6340
Washington
U.S. 78, 311 North Bypass
Washington, GA 30673
(706) 678-7088
Dublin
826 Bellevue Avenue
Dublin, GA 31021
(478) 272-3255
Nashville
707 N. Davis Street
Nashville, GA 31639
(229) 686-5081
Royston
675 Church Street
Royston, GA 30662
(706) 245-6142
Waynesboro
176 Highway 80 West
Waynesboro, GA 30830
(706) 554-2107
www.aggeorgia.com
www.landbanksolutions.com