赞助

赞助常见问题

The use of patronage refunds makes a significant reduction in your effective interest cost and saves you money. The next time you sit down and write a check to another lending institution, ask yourself: "How much of this interest payment will this bank be returning to me?如果答案是“没有”," then maybe you should consider doing more of your business where you are a stockholder—at 卡罗莱纳农业信贷.

作为农业信贷会员，惠顾计划对我有什么好处?

One of the most important financial benefits of being a member-borrower with 卡罗莱纳农业信贷 is having the opportunity to share in the association's profits.

Most businesses return their profits to their owners, not their customers. 当你向AgCarolina借钱时, you become an owner of the business and are therefore entitled to share in the profits of the association.

At the end of each fiscal year, 卡罗莱纳农业信贷 determines its total income and expenses. Income remaining after all expenses are deducted (the net income) can then be distributed to members in accordance with the association's bylaws.

赞助退款如何使我当地的农业信贷协会受益?

赞助 refunds can help your local Farm Credit Association reduce its tax expense and maintain a strong capital position. 这对所有会员都有帮助, because an association with a strong capital position is better able to offer competitive interest rates and ensure a constant supply of credit.

不像其他公司, where profits are taxed twice (when earned by the corporation and when distributed to owners as dividends), a cooperative's profits are taxed only once when they are distributed as a patronage refund.

卡罗莱纳农业信贷 is allowed a tax deduction for the amount of net income that it distributes in the form of a qualified patronage refund. 因此, to effectively manage the association's tax expense and maintain a strong capital position, the board of directors may elect to distribute taxable earnings to members as a qualified patronage refund. A qualified patronage refund is one in which at least 20 percent of the total net income is paid in cash.

关于我的贷款，赞助退款是如何运作的?

Since 卡罗莱纳农业信贷 distributes refunds based on the amount of interest earned on each member's loan, 你跟我们做的生意越多, 你的潜在赞助退款越大.

我的赞助退款如何发出?

每次发出惠顾分配, 卡罗莱纳农业信贷 will notify eligible members of their patronage refunds. Your patronage refund may be issued to you by check or recorded on the association's books in a special account. Your board of directors may elect to set a minimum check amount as a means of controlling expenses. Cash distributions below the minimum check amount are recorded in a special account called patronage payable. 收到退款通知, 应付赞助款项的退款出现在“未分发”项下."

什么是赞助退款?

A patronage refund is a way of distributing the association's net income to its member-stockholders. A member's refund is based on the proportion of interest earned on his or her loan to the total interest earned by the association. 赞助退款以现金支付. A patronage refund is a way to get back a portion of the interest you paid on your loan.

什么是不合格留存盈余?

The Association may elect to issue a portion of net earnings as nonqualified retained surplus. These equities are also recorded in each member's name in the records of the association. The association's board of directors considers nonqualified retained surplus as earnings permanently invested in the association. As such, there is no plan to revolve or redeem nonqualified retained surplus. 如果协会要清算, any outstanding nonqualified retained surplus would be subject to distribution in accordance with the association's bylaws.

Members may request a check for monies in their patronage payable accounts, 要求将这些款项记入应付帐款, request that these amounts be applied to their loans or leave these distributions on account with the association.

我是否会收到有关赞助退款的税务通知?

是的. 在一月份，农业卡罗莱纳农场信贷会给你寄来一份IRS表格1099. This form will show the total of all taxable patronage refunds issued to you during the previous year.