 Many of us involved in agriculture work with an ag lender or lenders, and it's important to keep a good working relationship with those partners, of course. But this year, those annual projections may not look as good as they have in past years. In fact, it may be difficult to pencil a profit. So what do you do when you need to borrow money, but you're projecting you'll make very little or any profit this year? Joe Caffey is president and CEO of First State Bank in Middlebury, Indiana, and he works with many producers in his region.