TRAINING OPPORTUNITY: View a recording of our recent eStatement Studies webcast by following the link to the recording page.
NEWS: Attached is an important article about proposed changes to financial reporting, as featured in the May 2008 RMA Journal. (FASB and IASB Propose a Complete Change to Financial Reporting)
eStatement Studies is the online version of the Annual Statement Studies.
The Annual Statement Studies are the only source of composite performance metrics derived directly from the financial statements of financial institutions’ borrowers and prospects. These financial statements come directly to RMA from our member institutions, which get their data straight from their customers.
The Annual Statement Studies will help you to:
- Make better-informed credit decisions in a fraction of the time.
- Improve customer relationships. You will be able to demonstrate to your customers that you really understand their business by helping them identify their strengths and weaknesses.
- Identify prospects.
- Perform immediate benchmarking with the simple-to-use format.
This consistently reliable source of financial statement benchmarks on private businesses (for more than 88 years now!) includes two publications:
Financial Ratios Benchmarks
Comprehensive, detailed data on over 740 industries—derived directly from financial statements.
The standard for financial statement comparative analysis is here. Built around balance sheet and income statement performance measures, these industry reports give you the foundation for understanding the typical companies operating in a particular industry, as well as the basis for comparing specific situations to an industry composite.
Financial Ratio Benchmarks includes:
- Nineteen classic financial statement ratios, clearly defined. It’s like getting a free financial textbook with your purchase.
- Common-size balance sheet and income statement. Six balance sheet and income statement line items are presented in common-size format.
- Data arrayed by asset and sales size. Six different asset and sales size categories are presented to ensure a perfect match to your situation.
- Unique information. No other information provider gets their data from where we get ours.
- More than 740 industries presented using the North American Industry Classification System (NAICS) codes.
- Trend data available for the past four years. You’ll get the most up-to-date information for the current period, and you’ll be able to compare it quickly to the past four periods.
Industry Default Probabilities and Cash Flow Measures
Better information for better measures and strategies.
Representing a major content expansion of the Annual Statement Studies,Industry Default Probabilities and Cash Flow Measures c ontains probability of default estimates, cash flow measures, and change in financial position information for more than 670 industries. It brings together the power of Moody's RiskCalcTM for private companies and the Statement Studies database to provide distribution statistics on one-year and five-year probability of default estimates by industry. These benchmarks add substantial value to the critical analysis of cash flow for private companies.
Industry Default Probabilities and Cash Flow Measures includes:
- Probability of default estimates on a percentage scale, mapped to a .EDF bond rating scale.
- Cash flow measures on a common-size percentage scale.
- Change in position, normalized, year over year, for eight financial statement line items.
- Data arrayed by asset and sales size.
- Trend data available for the past four years.
If you do not have a subscription to eStatement Studies and would like access, you can find ordering information on how to order online or via phone here.