When you do business with Capital Farm Credit, you become part-owner of the lending cooperative, and that entitles you to share in our earnings.

Through our long-standing patronage program, we return almost 100 percent of our net earnings back to our customers. That is a distinct benefit of doing business with us. Based on our 2011 financial results, the board of directors declared a record patronage of $126.6 million, with 30 percent paid in cash and 70 percent to be distributed in allocated equities.

Capital Farm Credit focuses on maintaining a smoothly run and efficient organization, which has been instrumental in the patronage returned to our customers. In 2011, our operating results affirmed our position as one of the most efficient Farm Credit cooperatives in the country. We are proud of that accomplishment because it ultimately means we get more of the income to the Association’s bottom line. In turn, we are able to pass that income to our stockholders through our patronage refund program. So our efficiency means more benefit to our stockholders.