TEMECULA -- The nation's wounded commercial banks have either stopped paying or substantially trimmed the dividends to investors that were common before the Great Recession landed on Main Street.But consider the quirky structure of the government-sponsored American Ag Credit, however, with a $275 million asset lending office in Wine Country near Temecula. Since the pre-recession years, it has paid an annual dividend to borrowers of about .005 percent to .0075 percent of a loan's balance. So on a balance of $1 million owed, a dividend check between $5,000 and $7,500 is mailed out. The lender doesn't take deposits, but charges slightly extra on loans to fund the dividend perk.