individual publications

• academic article

  • Accounting for Loan Size and Credit Rating when Calculating Lifetime Value of Agricultural Lending Relationships.  Agricultural Finance Review.  66:109-123. 2006
  • Credit Risk Migration and Downgrades Experienced By Agricultural Lenders.  Agricultural Finance Review.  65:1-16. 2005
  • The Costs and Returns of Agricultural Credit Delivery.  American Journal of Agricultural Economics.  87:703-716. 2005
  • Financial Management Practices and Farm Profitability.  Agricultural Finance Review.  63:157-174. 2003
  • Dairy Farm Management and Long-Term Farm Financial Performance.  Agricultural and Resource Economics Review.  31:233. 2002

• article

  • Calculating Relationship Profitability: Part 11 in the Profitability of Agricultural Lending 2006
  • Calculating Relationship Profitability: Part 12 in the Profitability of Agricultural Lending 2006
  • Calculating Relationship Profitability: Part 13 in the Profitability of Agricultural Lending 2006
  • Calculating Relationship Profitability: Part 3 in the Profitability of Agricultural Lending 2005
  • Calculating Relationship Profitability: Part 4 in the Profitability of Agricultural Lending 2005
  • Calculating Relationship Profitability: Part 6 in the Profitability of Agricultural Lending 2005
  • Calculating Relationship Profitability: Part 8 in the Profitability of Agricultural Lending 2005
  • Calculating Relationship Profitability: Part 9 in the Profitability of Agricultural Lending 2005
  • Personnel Costs, Fees and Write-Offs: Part 2 in the Profitability of Agricultural Lending 2005
  • The Profitability of Agricultural Lending Relationships 2005
  • A Vision for Dairying in the Year 2020: Will You be a Survivor? 2004
  • Northeast Dairy Can Compete 2004
  • What Will Drive Milk Consumption? 2004
  • Where You Ship Your Milk Likely Will Change 2004
  • Which Farms Will Produce the Nation’s Milk in 2020? 2004
  • Beyond the Balance Sheet: The Characteristics of Superior Financial Managers 2003
  • Can You Get More Bang for Your Buck? 2003
  • Sound Financial Practices Doubled their Bottom Line 2003
  • What do Farmers Say About Their Lender? 2003
  • New York's Farm Financial Situation 1985

• intellectual contribution

  • Calculating Relationship Profitability: Part 5 in the Profitability of Agricultural Lending.  10-11. 2005
• Farm Savings Accounts: Examining Income Variability, Eligibility, and Benefits 2005
• Dairy Farm Business Summary, Central Valleys Region, 2003 2004
• The Costs and Returns of Agricultural Credit Delivery 2004
• Dairy Farm Business Summary, Central Valleys Region, 2002 2003
• Financial Management Practices and Farm Profitability 2003
• Future Structure of the Dairy Industry: Historical Trends, Projections, and Issues 2003
• Dairy Farm Business Summary, Central Valleys Region, 2001 2002
• Financial Management Practices of New York Dairy Farms 2002
• Dairy Farm Business Summary, Central Valleys Region, 2000 2001
• Dairy Farm Business Summary, Central Valleys Region, 1999 2000
• Dairy Farm Business Summary Central Valleys Region, 1998 1999
• Dairy Farm Business Summary, Central Valleys Region, 1999 1999
• Dairy Farm Business Summary Central Valleys Region, 1997 1998