Archive for September, 2012

Harvest Season is Upon Us

Fall is here and with it brings the start of harvest season.  This year, we again experienced a variety of weather in our trade area, with an early spring that provided the opportunity to plant unseasonably early.  The planting conditions were ideal in early April and then came some rain that caused delays in planting.  However, that early rain was a godsend, as it provided us with much needed moisture.  From spring on, our rains were extremely spotty and as our summer progressed, the dry conditions persisted.  In fact, most of the significant increase in our corn and soybean prices which, depending if you are a producer or user of these commodities, has made raising livestock profitability extremely challenging.

I want to briefly discuss some things to remember with this year’s harvest.  Crop insurance may be a significant source of income and protection for you for your operation this fall.  As you are combining your corn or soybeans, remember to keep accurate load records of the bushels harvested off of each field for reporting purposes.  Bin measurements are also important.  If possible, do not co-mingle grain as it is harvested.  If you must do so, please take the time to mark your bins so that accurate measurements may be taken if a loss is incurred.

When harvesting, if it is apparent that your crop may not meet your guarantees for each unit, please take the time to call your agent and report a probable loss.  If it is necessary to leave test strips, they should typically be four rows wide and the length of the field.  A test strip should be left for every twenty acres in the field.  If the grain being harvested is being directly hauled to town, then scale tickets will provide satisfactory evidence of your production.  Please remember to identify on the scale ticket the farm where the grain was produced.

Please feel free to call us with your questions regarding your crop insurance.  As the harvest season begins, keep accurate records and report bushels harvested once your harvest is completed.  Above all, take time to be safe and not take chances that could jeopardize your safety and that of those around you.

Thank you for your business over these many years and we look forward to continuing to provide service to you in the future.

Bill Brennan, Sr. Vice President

 

Investment and insurance products:

  • Are Not Insured by the FDIC or any other federal government agency
  • Are Not deposits of or guaranteed by a Bank or any Bank Affiliate
  • May lose value

 

Citizens Bank Minnesota Installs New Phone System

Citizens Bank Minnesota has just installed a new phone system with many enhanced features that will allow greater capacity of service for all of our locations. Our main phone numbers will remain the same.

  • New Ulm         507-354-3165             Toll-free:  1-800-549-0194
  • Lafayette        507-228-8283             Toll-free: 1-800-459-7563
  • La Salle           507-375-3537             Toll-free: 1-877-308-9546
  • Lakeville          952-469-1919                    

When installing any new technology, as you know, there may be technical difficulties encountered. In an effort to continue a high level of customer service, as a precaution, a trouble-shooting phone line has been installed. It is our goal to resolve any situations if they occur. If you call and are unable to reach a Citizens bank representative at the numbers listed above, and it is during business hours, please call 507-233-7524 or email customerservice@citizensmn.com to report the situation.

Thank you for your business!

Sincerely,

Citizens Bank Minnesota             

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