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
February 2014
Small Business Health Index: Overall
Small Business Health Index
Payment Delinquency
120
16%
0.2
points
100
Credit Card Delinquency
4%
80
Credit Card Use
60
Dec '04 Dec '06 Dec '08 Dec '10
3%
Jan' 14
Source: D&B Global Data, Insights & Analytics
D&B’s Small Business Health Index has contracted modestly
in the current month, although small businesses saw
improvement in on-time credit card and bill payments.
US Jobs Health: Overall
U.S. Jobs Health
Manufacturing
Retail
220000
Real Estate
Number of New Jobs
200000
Business Services
153,000
180000
Construction
160000
140000
Jul '13 Aug '13Sept '13 Oct '13 Nov' 13 Dec' 13 Jan' 14
Source: D&B Global Data, Insights & Analytics
Trade,
Transportation
& Utilities
D&B estimates 153,000 new jobs were added to
U.S. payrolls in January 2014, with gains in retail and
business services. The overall pace of employment
growth is projected to continue improving modestly.

2. www.dnb.com/tracker
February 2014
US Business Health Index: Overall
U.S. Business Health Index
55
TOTAL INDEX VALUE
52.8
IMPROVEMENT
50
NO CHANGE
5.9%
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
14.8%
Delinquency
0.9%
Total Loss
2.2%
Jan' 14
Source: DB Global Data, Insights Analytics
U.S. business health improved nearly 6 percent in January 2014, reaching
its highest recorded level since the index began in December 2010.
Businesses continued to improve their balance sheets and overall financial
performance, extending a trend that accelerated in 2012.
Perspectives
The DB U.S. Business Economic Tracker revealed more bright spots for U.S. businesses in January 2014. In spite of a
slight decline in the Small Business Health Index, the U.S. small business sector continues to improve steadily. While
companies were more timely in credit card and bill payments, many relied more heavily on credit cards, suggesting
restricted access to traditional lending. Meanwhile, an estimated 153,000 new jobs were created. The retail and
business services segments helped drive growth in U.S. payrolls for the month. Finally, overall U.S. business health
strengthened in January, registering a 52.8-percent index value, the highest recorded level since the index began in
December 2010. U.S. businesses continued to strengthen at the beginning of 2014, based on the weighted average of
DB’s Viability Rating, Delinquency Predictor, and Total Loss Predictor. Overall, the growing number of bright spots on
the U.S. economic horizon signal an acceleration in the pace of growth in 2014.
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 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 Jan. 31, 2014.
To learn more, visit www.dnb.com/tracker
About Dun Bradstreet® (DB)
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© Dun Bradstreet, Inc. 2014. All rights reserved. (DB-3716 2/14)