This report highlights US economic performance via three key indices. The Small Business Health Index measures year-over-year small business performance through equally weighted payment patterns and credit use. U.S. Jobs Health combines Small Business Health Index industry data with BLS figures to forecast monthly nonfarm payroll employment. The U.S. Business Health Index provides a year-over-year equally weighted average of D&B’s Viability Score, Delinquency Predictor and Total Loss Predictor.

1. D&B U.S. Economic Health Tracker
A multi-dimensional view of the U.S. Economy
www.dnb.com/tracker
January 2014
Small Business Health Index: Overall
Small Business Health Index
Payment Delinquency
120
18%
0.2
points
100
Credit Card Delinquency
.01%
80
Credit Card Use
60
Dec '04 Dec '06 Dec '08 Dec '10
.02%
Dec' 13
Source: D&B Global Data, Insights & Analytics
D&B’s Small Business Health Index has contracted modestly.
Underlying factors of this critically important segment—like
credit demand and financial performance—remain positive
and support the outlook for moderate improvement in the
economic recovery.
US Jobs Health: Overall
U.S. Jobs Health
Manufacturing
Retail
220000
Real Estate
200000
Business Services
216,000
180000
Construction
160000
140000
Jul '13
Aug '13 Sept '13 Oct '13 Nov' 13 Dec' 13
Source: D&B Global Data, Insights & Analytics
Trade,
Transportation
& Utilities
D&B estimates 216,000 new jobs were added to U.S.
payrolls in December 2013, with significant gains in retail,
due to seasonal factors. The overall pace of employment
growth is projected to continue improving modestly.

2. www.dnb.com/tracker
January 2014
US Business Health Index: Overall
U.S. Business Health Index
55
TOTAL INDEX VALUE
53.7
IMPROVEMENT
50
NO CHANGE
2.0%
DETERIORATION
45
Feb' 12
Jan '13
How to read
this indicator:
A reading
of 50%
represents
“no change.”
A reading of
more than
50% reflects
improvement
and a reading
of less than
50% reflects
deterioration.
Viability
5.9%
Delinquency
0.2%
Total Loss
0.3%
Dec' 13
Source: DB Global Data, Insights Analytics
U.S. business health improved 2 percent in December 2013.
Businesses continued to improve their balance sheets and overall
financial performance, extending a trend that accelerated in 2012.
Perspectives
The DB U.S. Economic Health Tracker revealed more bright spots for U.S. businesses in December 2013. In spite of
a slight decline in the Small Business Health Index, the U.S. small business sector continues to improve steadily. The
recovery process for small businesses in the U.S. remains uneven, although improvement has touched most verticals
and geographic areas in the last year. Meanwhile, an estimated 216,000 new jobs were created, with most sectors
reporting higher gains than the previous month. The retail segment helped drive growth in U.S. payrolls for the month.
Finally, overall U.S. business health strengthened in December, registering a 53-percent index value, up 2 percent
compared to December 2012. This marked the sixth consecutive month of year-over-year growth among U.S. businesses,
based on the weighted average of DB’s Viability Rating, Delinquency Predictor, and Total Loss Predictor. All told, the
U.S. recovery continues to demonstrate high levels of resiliency as companies seek out new business opportunities.
Methodology
The Small Business Health Index measures year-over-year small business performance through payment patterns and
credit use. U.S. Jobs Health combines Small Business Health Index industry data with BLS figures to forecast monthly
nonfarm payroll employment. The U.S. Business Health Index provides a year-over-year weighted average of DB’s Viability
Score, Delinquency Predictor and Total Loss Predictor. The cumulative diffusion index—which measures the breadth of
change—ranges from zero (with all businesses recording high levels of risk) to 100% (with all businesses recording low
levels of risk). Data available as of Dec. 31, 2013.
To learn more, visit www.dnb.com/tracker
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© Dun Bradstreet, Inc. 2013. All rights reserved. (DB-3716 1/14)