Sample Reports

Collateral Valuation Reports

Every asset. Every valuation. Timestamped, methodology-documented, and exam-ready. Print this page or save as PDF.

Equipment Valuation

Sample

Collateral Valuation Report

2022 John Deere 8R 370

1,850 hoursS/N: 1RW8370RPND012345Tractors

Report ID

AGS-SAMPLE01

April 17, 2026

Sold Value (Auction)

$271,500

Range: $255,000 — $288,000

38 auction comps

List Value (Dealer)

$304,000

Range: $285,000 — $325,000

46 dealer listings

Loan-to-Value (vs Sold)

71.8%

$195,000 balance

Confidence

High

84 total comparables

Valuation Methodology: Market comparable approach using Level 2 observable inputs per FASB ASC 820. Sold Value derived from 38 completed auction transactions (RitchieBros, PurpleWave, BigIron). List Value derived from 46 current dealer listings across independent marketplaces. Both values reported separately for transparency.

Comparable Market Data

8 auction results + 14 market listings

Score	Year	Model	Price	Type	Hours	Source
94	2022	8R 370	$291,000	SOLD	1,720	RitchieBros
91	2022	8R 370	$284,500	SOLD	2,100	Purple Wave
87	2021	8R 370	$275,000	ASK	1,950	TractorHouse
82	2023	8R 370	$310,000	ASK	980	Mascus

Depreciation Analysis

The 2022 John Deere 8R 370 is in the early ownership phase with 1,850 hours. Row-crop tractors in this class typically depreciate 8-12% annually in years 2-5. Current market values remain strong due to limited new inventory and high demand in the 300+ HP segment.

▼

-4.2%

12-month price trend

Regional Price Breakdown

Upper Midwest (IA, IL, MN)$280,000 — $310,000

Great Plains (KS, NE, SD)$265,000 — $295,000

South (TX, AR, MS)$260,000 — $290,000

Fair Value Basis

FASB ASC 820 Level 2 — Observable market inputs from multiple independent data sources

Valuation Standard

Market comparable approach per FDIC/OCC collateral valuation guidance and FCA requirements

Report Certification

Report AGS-SAMPLE01 generated April 2026. Automated valuation — not a certified appraisal.

Land Valuation

Sample

Land Valuation Report

Story County — 160 acres

CroplandStory County, IA

Report ID

AGS-SAMPLE02

April 17, 2026

Value Per Acre

$10,250

Total Land Value

$1,640,000

CSR2 Rating

Good productivity

County

Story, IA

160 total acres

Valuation Methodology: County-level farmland valuation using USDA NASS survey data, soil productivity ratings (CSR2), and comparable land sales. Adjustments applied for tile drainage (+8%) and soil quality (+2%). Cash rent analysis provides income-based valuation cross-check via capitalization rate.

Cash Rent Analysis

Cash rent per acre$265/acre

Total annual rent$42,400

Cap rate2.6%

Soil Productivity

CSR2 Rating82

ClassificationGood

IrrigatedNo

Tile drainageYes

Value Drivers

Tile drainage

+8%+$820/acre

Above-avg soil

+2%+$205/acre

Investment Returns

Annual cash rent$42,400

Property tax-$4,800

Net operating income$37,600

Cap rate2.6%

Historical appreciation3.2%/yr

Est. total return5.8%/yr

Mortgage Scenarios

15-year fixed @ 6.5%

$14,284/mo($931,120 interest)

20-year fixed @ 6.75%

$12,416/mo($1,339,840 interest)

30-year fixed @ 7.0%

$10,912/mo($2,288,320 interest)

Based on $1,640,000 financed, 0% down

Fair Value Basis

FASB ASC 820 Level 2 — Observable market inputs from multiple independent data sources

Valuation Standard

Market comparable approach per FDIC/OCC collateral valuation guidance and FCA requirements

Report Certification

Report AGS-SAMPLE02 generated April 2026. Automated valuation — not a certified appraisal.

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