Agricultural Loans

The agricultural industry, whether growers of row crops, orchard products, cattle, or dairy products has nuances that cannot be learned and understood from text books or the typical big-bank commercial loan training program. That is why we have Steve Mizuno, a member of a third-generation Tracy farming family, to lead our ag-lending team. Besides a hands-on experience in farming, Mr. Mizuno's lending background has been extensively in farm credit. This experience allows us to understand your farming operation and provide added value through a knowledgeable relationship manager. Through this approach, we have the ability to structure the most appropriate financing package to maximize your financial success. Regardless the type of financing, we are able to be creative with our loan structure. In certain situations we are able to increase our flexibility through Government Loan Programs.

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PRODUCTION LOANS
Service 1^st Bank provides financing for agricultural production.
DEVELOPMENTAL LOANS
Often, substantial funds need to be invested in the development of an agricultural product that will benefit the producer over several growing seasons. Usually, repayment can only partially be made from each growing season, and at different percentages. By understanding the varying yields with future growing seasons, we are able to properly structure a long-term repayment program that also provides the producer with adequate remaining cash for investment in the next year's crop.
EQUIPMENT LOANS
Service 1^st Bank will provide equipment financing over a loan term based on the estimated economic life of the equipment rather than just the depreciable life.
REAL ESTATE LOANS
Long-term loans are available to purchase or refinance agricultural real estate.

Steve Mizuno
Senior Vice President
Manager
Tracy
209-820-7924
smizuno@service1stbank.com