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Sam Miller, managing director and group head of ag lending at BMO Harris Bank; Tim McTigue, senior vice president at Investors Community Bank; and Jim Moriarty, director of dairy lending and dairy consulting at Compeer Financial, agree that 2020 had its challenges, but it was a great year for dairy farmers when it came to income. Big boost “Last year fixed a lot of ills because of the repair that was done to balance sheets,” Miller said during a Professional Dairy Producers Dairy Signal webinar on Sept. 8. “Income, working capital, cash flow and equity all improved in 2020 because of a combination of better economics on the farm and government payments.