GreenStone
Customer First, Deliver Quality, Get Involved, Do the Right Thing
These represent GS's....
CoreFour Values
What state is Paul from?
Wisconsin
An investment grade rating from S&P or Moodie's correlates to what PD rating?
5 and better
What business model does all FCS institutions operate under?
Cooperative
MI & WI are part of GS's territory. What is that territory referred as?
LSA
Seventh
What country did David recently travel to? (After Christmas.)
Spain
What EBITDA multiple range is generally appropriate when considering distressed valuations for LGD?
4x-6x
How many funding banks are there?
Four
(AgriBank, CoBank, AgFirst, FCBT)
Wisconsin is the #1 producer of what fruit? (Also the state fruit).
Cranberry (produces 60% of US crop)
GS's current LSA was once 6 different associations. What year did the final merger of the Upper Peninsula and NE Wisconsin occur?
2003
What two credit employees have a child named Julian?
Jordan and Shannon
What is the standard factor to calculate maintenance capex?
TRICK QUESTION
There is no standard
President Woodrow Wilson
What is the meaning of "Michigan"?
Stems from native American word Michigama
Where did GS's name originate?
Michigan Greenstone (Chlorastrolite) is MI's official state gemstone.
Per Paul - when associations merged and they needed a name, they decided to name it after the rocks the farmers were always throwing out of their fields.
How many people are on the Capital Markets team? (As of 12/31/2025)
23 (excluding Ava)
Based on our last credit team discussion.. how did Chris define liquidity?
Investor Confidence
What state was the first Farm Credit Loan made?
Kansas (Larned, KS)
What is MI's state moto, translated?
"If you seek a pleasant peninsula, look about you."