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
March 2014
Small Business Health Index: Overall
Small Business Health Index
Payment Delinquency
120
5%
.03
points
100
Credit Card Delinquency
3%
80
Credit Card Use
60
Dec '04 Dec '06 Dec '08 Dec '10
3.4%
Feb' 14
Source: D&B Global Data, Insights & Analytics
D&B’s Small Business Health Index has contracted
modestly, although small businesses saw improvement
in on-time credit card and bill payments.
US Jobs Health: Overall
U.S. Jobs Health
Manufacturing
Retail
220000
200000
Real Estate
Business Services
146,000
180000
Construction
160000
140000
Sept '13 Oct '13 Nov' 13 Dec' 13 Jan' 14
Source: D&B Global Data, Insights & Analytics
Feb' 14
Trade,
Transportation
& Utilities
D&B estimates 146,000 new jobs were added to U.S.
payrolls in February 2014, with significant gains in
manufacturing, construction, and business services.
Employment growth is anticipated to continue at a
slower pace.

2. www.dnb.com/tracker
March 2014
US Business Health Index: Overall
U.S. Business Health Index
55
TOTAL INDEX VALUE
53.1
IMPROVEMENT
50
NEUTRAL
5.6%
Y/Y
DETERIORATION
45
Feb' 12
Jan '13
How to read
this indicator:
A reading
of 50%
represents
“neutral.”
A reading of
more than
50% reflects
improvement
and a reading
of less than
50% reflects
deterioration.
Viability
13.7%
Delinquency
2.2%
Total Loss
0.9%
Feb' 14
Source: DB Global Data, Insights Analytics
U.S. business health improved 5.6 percent year-over-year in February 2014, the
highest recorded level since the index began in December 2010. Businesses
continued to improve their balance sheets and overall financial performance.
Perspectives
The DB U.S. Business Economic Tracker revealed mixed signals for U.S. businesses in February 2014. Wintry weather
had a negative impact on the Small Business Health Index, driving the decline in small business performance. There are
signs of softening in the small business sector but clearly weather is the primary influence. Meanwhile, an estimated
146,000 new jobs were created, boosted by strong gains in the construction, manufacturing, and business services
segments. Finally, overall U.S. business health strengthened in February, registering a 53.1-percent index value,
matching January as the highest recorded level since the index began in December 2010. U.S. businesses continued to
strengthen their financial health at the beginning of 2014, based on the weighted average of DB’s Viability Rating,
Delinquency Predictor, and Total Loss Predictor. Despite lingering challenges to the recovery, healthier financials and
balance sheets bode well for the U.S. economy.
Methodology
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 DB’s Viability Score, Delinquency Predictor and Total Loss Predictor. The index 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 Feb. 28, 2014.
To learn more, visit www.dnb.com/tracker
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© Dun Bradstreet, Inc. 2014. All rights reserved. (DB-3765 3/14)