Balance sheet
Willow Creek Ranch · 3 ranches · as of Jun 30, 2026 · sample data
Assets
$440,000
Cattle $410,000 + cash $22,000 · vs Previous 12 months: ▲ 6.8 %
Liabilities (debt)
$81,000
2 outstanding debts
Equity
$359,000
vs Previous 12 months: ▲ 8.5 %
Collateral
Available credit at 60% LTV
$171,000.00
- Herd value
- $410,000.00
- Gross credit line (60%)
- $246,000.00
- − Outstanding debt
- −$75,000.00
- Coverage (cattle/debt)
- 5.5×
Herd value over time (12 months)
Valued livestock inventory
| Type | Category | Head | Avg wt | Total wt | $ / cwt | Total value |
|---|---|---|---|---|---|---|
| Breeding cows | Mature female | 148 | 1,091 lb | 161,511 lb | $63.50 | $102,564 |
| Heifers | Stocker female | 170 | 882 lb | 149,914 lb | $75.75 | $113,560 |
| Finishing steers | Finishing male | 54 | 1,058 lb | 57,144 lb | $81.65 | $46,656 |
| Bulls | Breeding male | 9 | 1,720 lb | 15,476 lb | $90.72 | $14,040 |
| Calves | Calf | 119 | 441 lb | 52,470 lb | $95.25 | $49,980 |
| Registered breeding females | Registered female | 20 | 1,146 lb | 22,928 lb | $362.87 | $83,200 |
| Total | 520 | 459,443 lb | $410,000 | |||
Liabilities (outstanding debt)
| Lender | Type | Rate | Due | Balance |
|---|---|---|---|---|
| Credit union | cattle-collateral loan | 18.5% | 2027-03-31 | $75,000 |
| Input suppliers | accounts payable | — | 2026-09-30 | $6,000 |
| Total liabilities | $81,000 | |||
Cash flow for the period
Sales
$125,000
Purchases
− $38,000
Expenses
− $46,000
Net
$41,000
The balance sheet holds Assets = Liabilities + Equity. The collateral lens applies the LTV to the herd value, the typical collateral behind cattle-backed credit, and the available capacity nets out current debt. Cash is an estimate, not the actual bank balance. Sample data.
Your ranch's balance sheet, herd value included.
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