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FEDERAL RESERVE BANK
OF NEW YORK

Circular No. 2001, November 25, 1939
Superseding Circular No. 1340

FINANCIAL STATEMENTS
To all Member Banks in the
Second Federal Reserve District:

It has been the practice of this bank to furnish upon request financial statement
forms for the use of member banks and their customers and as a convenient means
of informing them as to the character of the credit information desired by this bank
in connection with notes, drafts and other obligations offered to it by member banks
for rediscount or as collateral security for advances. Recently the forms of financial
statements for farmers have been substantially revised. The new forms have been
developed with the aid of member banks and others informed in the problems of farm
credit and are intended to set forth the complete, current financial condition of the
borrower in a manner convenient for comparison and analysis.
More complete information concerning financial statements and other data relating thereto which this bank may require to be filed with it will be found on the
following pages.
Copies of the new forms for the use of farmers are enclosed herewith and an
additional supply will be furnished upon request. This bank is also prepared to furnish member banks without charge copies of any of the other forms of financial
statements or supplemental schedules listed on the following pages. It is hoped that
these forms will prove of service and of benefit to you.




GEORGE L. HARRISON,

President.

INFORMATION RELATING TO FINANCIAL STATEMENTS

The Federal Reserve Bank of New York has prepared for the convenience of member banks and
their customers a number of forms of financial statements and supplementary schedules which will be
furnished to member banks without charge. The following is a list of the forms:
Description
Financial Statement Forms:
Individual (Merchant, Manufacturer, etc.)
Individual (Merchant, Manufacturer, etc.)
Firm
~
Firm
Corporation
Corporation
Personal
Farmer
Supplements and Real Estate Schedules:
Supplement to Farm Credit Statement
Farm Real Estate Schedule
Real Estate Schedule (General)

Form Number
Short
Long
Short
Long
Short
Long

CR
CR
CR
CR
CR
CR
CR
CR

1
110
9
109
7
108
107
114

CR 115
CR 116
CR 91

The forms have been prepared with a view to making it as easy as possible for borrowers to
furnish complete information bearing upon their financial condition and affairs. While it is not
necessary that forms prepared by this bank be used, it is desired that the information submitted
include all that called for on such forms and also any supplemental information which may be relevant.
While the characteristics of various types of business differ materially, it is believed that one or
another of the statement forms listed above can be readily adapted to particular types of business. It
will be noted that in some cases a short form of statement, as well as a long form, has been prepared
since in many situations the information called for on the short form will be sufficient.
The new farm credit statement takes the place of the two previous farmers statements CR 8A and
CR 8B. It contains a schedule of cash income and outgo, the use of which is optional, included in the
statement at the suggestion of a number of bankers. It is believed a considerably larger number of
farmers now take an annual inventory and maintain reasonably complete operating records than was
formerly the case. The "Supplement to Farm Credit Statement" form, which contains a section
covering general farm activities and also calls for information concerning certain specialized farming
activities, is designed for use in cases where more detailed information is desired.
The schedules regarding real estate owned have been prepared with a view to securing all necessary
information concerning such ownership. One of these schedules is especially designed for farm
properties while the other is for general use.
When Statements Required
Financial statements are required by the Federal Reserve Bank of New York with respect to any
borrower whose paper is offered to it in amounts aggregating $1,000 or more. In certain circumstances
statements may be required in connection with offerings aggregating less than $1,000, particularly
where the paper offered by a bank consists very largely of notes aggregating less than $1,000 per
borrower, in which case it will be desirable to submit statements supporting at least a substantial
portion of the total offering.




Date of Statement
Decisions concerning the eligibility and acceptability of paper offered can only be made upon the
basis of current financial information. Financial files should, therefore, be kept up to date, and
ordinarily, paper offered for rediscount or as collateral should be supported by statements which are
not more than one year old. So far as possible, statements should be prepared upon a fiscal year basis,
and it is desirable that statements for successive years be prepared as of the same date unless the
business has changed the terminal date of its fiscal year. If the offering bank has any reason to assume
that the financial or credit situation of the business has materially changed since the last annual
statement it should furnish this bank with a more recent statement reflecting the change. In all cases
where, because of the seasonal character of the business or for any other reason, statements are prepared
more frequently than once a year, it is desired that the most recent statement should be furnished.
When statements of several related parties are submitted, as in the case of a parent or holding
company with subsidiaries or affiliates, it is essential that balance sheets be prepared as of the same
date and that information concerning operations cover identical periods.
Subsidiaries or Affiliates
The paper of a borrower with affiliations must be supported by a separate statement of the borrowing company. Paper of parent companies or their subsidiaries offered to this bank should also be
supported by a consolidated statement. In such cases it is frequently necessary for this bank to
require complete and detailed information showing separately the figures of each company in the
group with the detail of any inter-company eliminations used to arrive at the consolidated statement.
In the case of concerns indirectly affiliated but having substantial inter-company relations, there should
be furnished separate statements of all related companies with the segregation of inter-company
accounts.
Endorsers or Guarantors
When the financial responsibility of an endorser or guarantor is a substantial credit factor with
respect to paper offered, a recent financial statement of the endorser or guarantor should be furnished
in addition to the statement of the borrower.
Certificate of Member Bank
The statements furnished to this bank should be copies or duplicates
the files of the member bank and each should bear a certificate of the member
"This is a true copy of an original signed financial statement held
Such certificate should be signed by an officer of the member bank who
and whose signature is on file with this bank.

of the originals held in
bank reading as follows:
in our files."
is authorized to sign it

Additional Forms for Special Purposes
This bank has also prepared certain miscellaneous forms for special purposes as follows:
1.
2.
3.
4.
5.
6.
7.

Summary of All Contracts Awarded and Uncompleted.
Information Schedule Concerning Uncompleted Contract.
Progress Schedule Concerning Uncompleted Contract.
Instalment Business—Analysis of Sales and Accounts Receivable.
Information Schedule—Real Estate Mortgage Owned.
Weekly Schedule of Operations and Financial Information.
Spread Sheets for Statements of Finance Companies:
(a)
(b)
(c)

Comparative Balance Sheets and Balance Sheet Ratios.
Comparative Operating Data.
Percentages.

While these forms are not available in quantity, specimens will be furnished upon request.




3

Suggested by
Federal Reserve Bank of New York

FARM REAL ESTATE SCHEDULE

Form CR 116

SUBMITTED BY
TO

BANK OF

As a supplement to the financial statement of the undersigned showing condition as of

, 19

LOCATION: This farm is situated in Town of
, County of
State of
, on
Road,
city, which is
. Kind of road:
Description of electricity supply:
Description of water supply:
USE OF FARM AND MANAGEMENT: This farm is principally used for the following purposes:

,
miles from nearest village or

The farm is under the direct control and management of
the following relationship to the owner:
OWNER: The legal and equitable title to the real estate described in this schedule is solely in the name(s) of
TENANT: Name of tenant:
since
, 19
. Kind of lease: (State whether written or verbal)
The yearly rental, including share arrangements, etc., consists of the following:

, who bears

This tenant has occupied the farm

Date lease expires:
, 19
. The rental account is settled up to
, 19_DESCRIPTION OF LAND: Land class:
Soil types:
Total number of acres:
, divided as follows: (Use spaces below)
acres CROPLAND, used this year in the following manner: (State number of acres of each crop, using spaces below)

acres FRUIT TREES (State number and age of each kind)
_
______
_
_ _
acres GRAPES, etc. (D(sscribe)
acres PERMANENT PA STURE, which provides sufficient forage for the following number of livestock: _
acres TIMBERLANDS, <
:overed by trees suitable for lumber, as follows:
No. of Acres

Kind of Trees

Age of Trees

_

No. of Board Ft.

Fire Insurance
$

acres WOODLANDS, covered by trees suitable for pulpwood,firewood,etc., as follows:
No. of Acres

Kind of Trees

Age of Growth

Cords Standing

Fire Insurance
$

acres POULTRY and FARM YARDS, ROADS, etc.
acres ROUGH or UNCULTIVATED LAND, CUT-OVER WOODLAND, BRUSH, SWAMP, etc.
DESCRIPTION OF BUILDINGS: There are situated on the farm the buildings described below:
List Below Each Bldg.

Size, or
No. of Rooms

Kind of
Construction

Age

Operator's House
Tenant House

Replacement
Value

Present Condition
$

Main Barn
Other Barn
Silo
UNUSUAL NATURAL HAZARDS: The fjirm is not subject 1;o floods, erosion, etc., except as follows:


C R H 6 20M 10-39


(Continued on other side)

.

Fire
Insurance
$

(Continued from other side)
ACQUISITION AND VALUATION: The following information relates only to the land and buildings, and does not include
machinery, implements, livestock or other personal property, unless specially stated.
The present owner acquired this farm in the following manner: (List separately parcels acquired at different times)
Year
in Which
Acquired

Number
of
Acres

General Description of Each Parcel

How Acquired
"Purchase", "Gift",
"Inheritance", "Trade", etc.

Full
Purchase
Price
$

Amount
Still Owing
on Farm
$

Under the present ownership, improvements to the land and buildings have been made costing $
following nature: (Describe briefly the improvements, and when made)

, of the

In the opinion of the undersigned, the land and buildings could be sold now for $
The assessed value for
tax purposes, in the last tax year, 19
, was $
, and the amount of taxes that year was as follows:
State, County and Town Taxes $
, School Tax $
, other real estate taxes $
.
MORTGAGES, UNPAID TAXES AND OTHER LIENS:
Mortgages outstanding against this real estate: (Fill in the table below)
Present Amount
of Mortgage

First Mortgage
Second Mortgage
Third Mortgage

Amount of Interest
Due and Unpaid

Rate of
Interest

Terms of Payment

$

%

$

$

%

$

$

%

$

%

Mortgage Held by
(Name and Address)

$

Unpaid Taxes and Assessments on this real estate consist of the following: (Fill in the table below)
Due for tax year of:

State, County and Town Taxes
School Tax
Other Real Estate Taxes and Assessments

19

19

19

Total for
All Years

19

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$
$

$

$

No Tax Lien Certificates against this real estate have been sold by the tax authorities and are now outstanding, except as
follows:
Other Liens: There are no liens against this real estate other than those described herein above, except as follows:
OTHER DEBTS OR CLAIMS AGAINST REAL ESTATE: There is owing on land contract or otherwise, not secured by mortgage,
part of the purchase price of this farm to extent of $
, which according to agreement is to be paid in the
following manner: (State time and amount of payments, and to whom payable)

FORECLOSURE ACTIONS: None have been instituted against this real estate, and to the best knowledge of the undersigned
none are contemplated, except as follows:

I, the undersigned, hereby certify that the foregoing figures, information and statements, written and printed, have been
carefully read by me before signing and are true to the best of my knowledge and belief.
Signed this




day of-

., 19

. Signature:
Signature:

Form CR 114

Form Suggested by Federal Reserve Bank of New York.

FARM CREDIT STATEMENT OF
BUSINESS

ADDRESS

TO

BANK OF
I, the undersigned, make the following statement of all my assets and liabilities at the close of business on the date named
below and give other material information for the purpose of obtaining from you advances on notes and bills bearing my
signature or endorsement, and for obtaining credit generally upon present and future applications.
FINANCIAL CONDITION AT CLOSE OF BUSINESS ON THE
DAY OF
-, 19

a
"C

a
2
s.
a
<

ASSETS (WHAT I OWN)
Farm Lands and Buildings

Omit Cents
$

At present reasonable value, not deducting mortgages

LIABILITIES (WHAT I OWE)
Mortgage Loans on Farm

Omit Cents
$

Not including notes secured by mortgages

Other Real Estate

Mortgage Loans on Other Real Estate
Not including notes secured by mortgages

At present reasonable value, not deducting mortgages

Trucks, Tractors and Automobiles

Balance Owing on Land Contract

At present reasonable value

Other Farm Machinery and Equipment

Notes Payable to Dealers and Merchants

At present reasonable value

Not covered by security

Notes Payable to Dealers and Merchants

o

p

Covered by security described below:

Pure Bred Cows
No.

Breed

Grade Cows
No.

Breed

No.

Breed

No.

Breed

Notes Payable to Banks

Pure Bred Bulls
Grade Bulls
02

a

S

Not covered by security

Notes Payable to Banks
Covered by security described below:

Heifers and Yearlings
No.

Breed

No.

Breed

No.

Breed

Calves
Sheep

g

Hogs

3

Laying Hens—Roosters

s

Pullets

Notes Payable to Production Credit Assn.

a

No.

Covered by security described below:

Breed

No.

Breed

No.

Breed

Notes Payable to Relatives and Friends
Not covered by security

Broilers
No.

Notes Payable to Relatives and Friends
Breed

Covered by security described below:

Chicks
No.

Breed

Other Poultry
H

No.

Description

Notes and Loans Payable to Others
Not covered by security

Notes and Loans Payable to Others

Horses
No.

Covered by security described below:

Breed

No.

Breed

Colts

Harvested Crops Held for Sale
At present selling value

Accounts Payable

Harvested Crops for Farm Use

Store and other accounts not covered by notes

At present value

Rent Owed by Me

Growing Crops

Due but unpaid

At cost

Interest Owed by Me, Due but Unpaid

Feed, Seeds, Fertilizer, Supplies, etc.

On mortgages, loans, notes, etc.

At cost

Taxes and Assessments

Accounts Receivable

Due but unpaid

Good and collectible

Storage Owing on Goods in Warehouses

Notes and Loans Receivable

Payable before release of goods

Good and collectible

Loans from Life Ins. Co's. on Life Policies

Cash Surrender Value of Life Insurance
Without deducting any loans against policies

Other Debts

Stocks, Bonds, Certificates of Indebtedness, etc.

Description:

At present market value

Cash on Hand and in Banks
Including savings accounts

Personal Property and Other Assets

Total Liabilities
Net Worth

Description:

$
$

Total assets less total liabilities

Total Assets

$

Total Liabilities and Net Worth

$

CONTINGENT LIABILITIES: I am liable on notes of my customers, which I have endorsed and discounted with banks, amounting to $
; on unpaid notes endorsed or guaranteed by me as an accommodation to others $
;
on bail bonds $
. Other contingent liabilities, as described: $


CR 114—3SM—10-39


(Continued on other side)

(Continued from other side)
LOCATION AND DESCRIPTION OF FARM: Located in Town of
, County of
, State of
on
Road
miles from nearest village or city, which is
Assessed tax value: $
. Total acres:
. Number of acres cultivated:
. Land class:
Kind of road:
Name and location of milk plant used:
TITLE TO FARM AND OTHER REAL ESTATE: The legal and equitable title to all the real estate listed in this statement
solely in the name of the undersigned, except as follows:
FIRE INSURANCE: Main dwelling: $
, main barn: $
, other buildings: $
, livestock: $
produce: $
, machinery: $
, household goods: $
, auto and truck: $
LIABILITY INSURANCE (Auto and Truck): Personal injury: $
, property damage: $

,
.
is
,

LIFE INSURANCE: Face amount of policies: $
Name of insured:
Name of beneficiary:
Name of insurance company:
TAXES (Last Tax Year): State, County & Town: $
, School: $
, other real estate taxes: $
PLEDGE OF FUTURE INCOME: I have not pledged my future income, except as follows: Canning crops $
Milk check $
To whom pledged:
SUITS, JUDGMENTS & OTHER LEGAL ACTIONS: I have outstanding or pending against me no suits, judgments or other legal
actions, and to the best of my knowledge no legal actions are to be started against me, except as follows:
PERSONAL STATUS: I am aged
years. Marital status (single, married, etc.):
No. of dependents:
Wife's (or husband's) name:
The following members of family help on farm:
OTHER BUSINESS INTERESTS: I have no business interests other than my farm, except as follows:
CROP OPERATIONS:
LAST CROP YEAR
Kind of Crop

Acre*

•Yield
Per Acre
Total

Total
Sale*

Crops Growing or
to be Grown

THIS CROP YEAR
•Expected Yield
Acres
Per Acre
Total

$

Expected
Sales
$

•Stated in appropriate units, such as tons, bushels, pounds, etc.

(The following information should be submitted if available.)
CASH INCOME & OUTGO DURING PAST YEAR, beginning
, 19 and ending
19
CAUTION: List below only actual cash which came in or went out last year. Do not list parts of purchases unpaid for on above date.
CASH INCOME DURING PERIOD

CASH OUTGO DURING PERIOD

Hired Help

Sale of:
Crops
$
Livestock
Milk
Other Dairy Products—
Eggs
Poultry
Other Farm ProductsReal Estate
Securities

months $
Feed and Grain
Hay and Straw
Seeds
Fertilizer, Sprays, etc._
Gasoline and Oil
Fire Insurance
Taxes & AssessmentsInterest
Truck & Auto Licenses.
Dues and Fees
Rent
Mach'y. Repairs & Tires
Improvements & Repairs
Livestock Paid for
Poultry Paid for
Machinery Paid for
Auto or Truck Paid for
Real Estate Paid for
Securities Paid for

Cash received from:
Outside Work
Government Payments
Interest
Bank Loans
Other Loans
Other Cash Income
(describe)

Electricity & Phone $.
Family Medical Exp.
Family Education
Clothing, etc.
Food Bought
Life Ins. Premiums
Misc. Personal Expenses -

.a
Bank Loans Paid .
Mortgages Paid _.
Other Loans Paid
Money Loaned to Others

Total Cash Outgo During Period (Total of both Columns)
Total Cash Income
I, the undersigned, hereby certify that the figures, information and statements contained in this credit statement, both printed
and written, have been carefully read by me before signing and are true and give a correct showing of my financial condition on
the date stated. In the event of any material change in my financial condition, I agree to notify said bank immediately in
writing.
Signed this

day of..

19

Signature:

(If this is FRASER
Digitized for a joint statement, all persons


at interest should sign.)

Signature:

Form CR 115

SUPPLEMENT TO FARM CREDIT STATEMENT
(Form Suggested by Federal Reserve Bank o£ Mew York)

NAME

ADDRESS

TO

BANK OF
I, the undersigned, give the following material information to supplement the Farm Credit Statement showing my financial
condition at the close of business on the
day of
_, 19.

GENERAL INFORMATION
HARVESTED CROPS FOR FARM USE

HARVESTED CROPS HELD FOR SALE
Name of Each Crop

•Quantity

Present Selling Value
Total
•Per Unit

Name of Each Crop

Present Selling Value
•Per Unit
Total

•Quantity

$

$

P

$

Use appropriate units, such as tons, hundredweights, bushels or pounds, etc.
FEED, SEEDS, FERTILIZER, SUPPLIES, etc. (List principal items, use both columns if necessary.)
Description
of Each Item

Cost
Per Unit

Quantity

Total
Cost

Description
of Each Item

Cost
Per Unit

Quantity
$

$

Total
Cost
$

TRUCKS, TRACTORS, AUTOMOBILES and OTHER FARM MACHINERY and EQUIPMENT (List of principal pieces.)
Description
(Include, when possible, details of size, make, model, etc.)

Age

Present
Condition

Cost
When New
$

Balance
Owing
$

During the next year I expect to buy the following trucks, tractors, autos or other machinery and equipment:


CR 115—20M—10-39


Present
Value
$

BANKING RELATIONS (A list of all bank accounts including savings accounts.)
Name and Address of Bank

Loans

Cash Balance

How Loans are Endorsed or Secured

$

STOCKS, BONDS, CERTIFICATES OF INDEBTEDNESS and OTHER SECURITIES OWNED
Face Value
(Bonds)
No. of Shares
(Stocks)

Interest or
Dividends
Rec'd. Last Year

Present
Market
Value

Cost

Description
$

$

To Whom Pledged

$

ACCOUNTS, NOTES and LOANS RECEIVABLE—GOOD and COLLECTIBLE (A list of the largest amounts owed to me.)
Amount
Owing

Name and Address of Debtor

Age of
Debt

Reason for the Debt

Date
Payable

Description of Security

$

ACCOUNTS, NOTES and LOANS PAYABLE [A list of my principal debts, other than mortgages.)
Amount
of Debt

To Whom Debt is Owed
(Name and Address)

Age of
Debt

Description of
Security Given

Reason for the Debt

Date
Payable

$

CONTRACTS or AGREEMENTS to BUY or SELL Crops, Livestock, Poultry, Equipment, Real Estate, etc.
Are You
Buying or
Selling?

Agreement With
(Name)

Description of What is being Bought or Sold
Quantity

Date
to be
Delivered

Price

Description

Date
to be
Paid For

$

PROPERTY RENTED or LEASED FROM OTHERS
Description of the Property

No. of Acres

How Used

Rent per Year

Rent Paid Until

Prop'ty Rented Until

Rent per Year

Rent Paid Until

Prop'ty Rented Until

$

PROPERTY RENTED or LEASEE» TO OTHERS
Description of the Property

No. of Acres

How Used
$

REAL ESTATE OWNED, OTHER THAN FARM (List each parcel separately across sheet as No. 1, 2, 3, etc.)
Location and Description

Cost with
Improvements

Age and Condition

1
2
3
4

$

1
$
2
3
4


Maturity Date



$

Fire
Insurance
$

Estimated
Present Value
$

SECOND MORTGAGE

FIRST MORTGAGE
Amount

Assessed
Value

Amount

Name of Mortgage Holder
$

Maturity Date

Name of Mortgage Holder

DAIRY INFORMATION
SIZE AND PRESENT STATE OF HERD
Number of: cows milking
, cows( dry
, herd bulls
, heifers over 1 yr. old
DETAILED INVENTORY OF HERD (List and describe each animal separately.)
Kind of
Animal
(cow, bull, heifer, etc.)

Pure Bred
or
Grade

Breed

Identification

, other young stock

Yearly Milk
Production
(Pounds)

Age

Check if
Mortgaged
(/)

Value
$

DISEASES (Stat * below whether herd is fully accredited for each of following diseases: (1) Tuberculosis, (2) Bang's Disease,
If not accredited, sstate the number of clean tests of entire herd for each disease. Also state condition of herd in regard to Mastitis.)

(If herd did not t<jst clean in last tests, furnish following information:)
Number of
Cattle
Tested

Date of
Last Test

Disease for Which Tested

No. of Positive
or Suspicious
Reactors

Number of
Cattle
Condemned

Tuberculosis
Bang's Disease

$
$

MILK PRODUCTION AND SALE: Grade of milk (A or B):
Average butterfat:
Present daily production:
cans. Average yearly production per cow:
Amount of milk checks during last 12 months: (Fill in spaces below.)
Month

Check

Month

January
February
March

19
19
19

Amount of
Indemnity
Awarded

$

April
May

June

Check

19
19
19

$

Month

Milk sold to.
pounds.
Check

19
July
19
August
September 19

$

Month

Check

19
October
November 19
December 19

$

FEED AND BEDDING
Grown on My Farm
During Last Crop Season
No. of Acres

Hay

Silage
Grain
Straw




No. of Tons

Bought from Others
During Last Twelve Months
No. of Tons

Total Cost
$

On Hand at Present Time
No. of Tons

Value per Ton
$

POULTRY INFORMATION
EXTENT AND NATURE OF POULTRY OPERATIONS: (State whether poultry raising is a small or large part of your total farm
operations; also, kind and breeds of poultry kept, and the size of the flock at various times of the year. If your poultry operations
are large, state number of years you have been operating on the present scale, and the extent to which you specialize in raising
chicks for sale, raising birds for sale for meat, producing eggs, etc. State extent to which you grow own poultry feed.).- ;

SALE OF POULTRY PRODUCTS: (State to whom and under what general arrangement you sell your eggs, broilers and other
poultry products.)
RECENT OPERATIONS AND PRESENT CONDITIONS: Number of birds in laying flock at present:Number of eggs
per day being obtained at present:
Price per dozen eggs now being received:
Average egg production per hen
in laying flock during past year:
Average price per dozen eggs received during past year:
At the present time,
birds not in laying flock consist of the following (State number, also size or age of each group or kind):

On birds sold for meat, most recent sales of each kind have been at following prices per pound:
The average price per pound of each kind during past year was
My flock has the following diseases (check): Coccidiosis
Bacillary White Diarrhea
Blackhead
Other (describe)
During the past year, the total number of deaths of birds from
disease, rodents, etc. has been as follows: chicks and other young birds
older birds

FRUIT AND BERRY INFORMATION
Kind of Fruit or Berry
(List each kind separately)

Trees, Vines, Shrubs
of Bearing Age
Number
of Trees, etc.

Trees, Vines, Shrubs
of Non-bearing Age

Number
of Acres

Number
of Trees, etc.

Number
of Acres

•Amount of Yearly Production
Actual Production
Last Year

Actual or Expected
Production This Season

* Use appropriate units, such as pounds, quarts, bushels, or tons.
DISPOSAL OF FRUIT PRODUCTION: (State manner in which last year's fruit was disposed of, to whom, and at what prices.
Describe what arrangements have been made in regard to disposal of this season's fruit crops, and prices expected.)

I, the undersigned, hereby certify that the foregoing figures, information and statements, written and printed, have been
carefully read by me before signing and are true to the best of my knowledge and belief.
Signed this



day of_

.19—

Signature:
Signature:


Federal Reserve Bank of St. Louis, One Federal Reserve Bank Plaza, St. Louis, MO 63102