--- title: News-Updates | Formulas & Ratios description: Formulas & Ratios | Whether you're a community bank or credit union, learn how our consistent and smart tools help streamline statement spreading and tracking. --- [Contact Us | 800.248.5550](https://www.fiscalcs.com/contact-us-form/) Monday – Friday, 9:00 – 5:30 ET [![fiscal-forward-logo-reverse-color](https://blog.fiscalcs.com/hs-fs/hubfs/fiscal-forward-logo-reverse-color.png?width=2000&height=938&name=fiscal-forward-logo-reverse-color.png "fiscal-forward-logo-reverse-color")](https://www.fiscalcs.com/) - [SPREADING](https://www.fiscalcs.com/financial-statement-spreading-and-analysis/) - [SPREADING Overview & Features](https://www.fiscalcs.com/financial-statement-spreading-and-analysis/) - [SPREADING Demo](https://www.fiscalcs.com/fiscal-demo-request/) - [FAQs](https://www.fiscalcs.com/faqs/) - [TRACKING](https://www.fiscalcs.com/exception-tickler-tracking/) - [TRACKING Overview & Features](https://www.fiscalcs.com/exception-tickler-tracking/) - [TRACKING Demo](https://www.fiscalcs.com/tracking-demo-request/) - [FAQs](https://www.fiscalcs.com/faqs/) - [About Fiscal](https://www.fiscalcs.com/about-us/) - [About FISCAL](https://www.fiscalcs.com/about-us/) - [The FISCAL Story](https://www.fiscalcs.com/our-story/) - [Testimonials](https://www.fiscalcs.com/testimonials/) - [Support](https://www.fiscalcs.com/support-services/) - [Banks](https://www.fiscalcs.com/solutions-for-community-banks/) - [Credit Unions](https://www.fiscalcs.com/solutions-for-credit-unions/) - [Blog](https://blog.fiscalcs.com/news-updates) - [PRODUCT DEMO](https://www.fiscalcs.com/product-demo/) # News & Updates ## Subscribe here. Enter your email address to get the latest FISCAL updates delivered straight to your inbox. Path 2 ## [![debts in big letters with a calculator](https://blog.fiscalcs.com/hubfs/annual-debt-service-calculation.png) Accurately Calculating Annual Debt Service in Excel January 09, 2024 Annual debt service is a foundational calculation for financial statement spreading and evaluating small business loans. Much like other key calculations, getting annual debt service right is...](https://blog.fiscalcs.com/news-updates/calculating-annual-debt-service) ## [![woman viewing spreadsheets on computer](https://blog.fiscalcs.com/hubfs/Blog%20Images/SixTipsforBankFinancialStatementAnalysisinExcel.png) 6 Tips for Bank Financial Statement Analysis in Excel June 29, 2023 Credit unions and banks that use Excel for financial statement analysis have likely encountered the common pitfalls of the application: overwritten templates, broken formulas, and lack of...](https://blog.fiscalcs.com/news-updates/6-tips-for-bank-financial-statement-analysis-in-excel) ## [![loan spelled on blocks next to cash with woman in the background](https://blog.fiscalcs.com/hubfs/Blog%20Images/LoanRiskAnalysisProcess.png) Optimize Your Loan Risk Analysis Process June 23, 2023](https://blog.fiscalcs.com/news-updates/optimize-your-loan-risk-analysis-process) [Small business lending is a numbers game, but when it comes to managing risk, there are subjective aspects of the process that go beyond the borrower’s cash flow and [debt service coverage ratio](https://blog.fiscalcs.com/news-updates/how-to-quickly-calculate-debt-service-coverage-ratio-guide-for-banks)...](https://blog.fiscalcs.com/news-updates/optimize-your-loan-risk-analysis-process) ## [![computer with a spreadsheet opened up](https://blog.fiscalcs.com/hubfs/Blog%20Images/EssentialExcelFormulasBlog_Fiscal.png) Essential Excel Formulas for Financial Analysts and Underwriting May 18, 2023 Loan analysts use Excel nearly every day. Many learned the formulas, functions, and how to set up spreads on their own, asking colleagues or searching the internet for help. Even with their hands-on...](https://blog.fiscalcs.com/news-updates/essential-excel-formulas-for-financial-analysts-and-underwriting) ## [![](https://blog.fiscalcs.com/hubfs/blog-How%20to%20Quickly%20Calculate%20Debt%20Service%20Coverage%20Ratio.png) How to Quickly Calculate Debt Service Coverage Ratio \[Guide for Banks\] October 07, 2022 A good debt service coverage ratio analysis is the primary factor in demonstrating a business’s ability to meet its debt obligations. To complete a debt service analysis, lenders calculate the debt...](https://blog.fiscalcs.com/news-updates/how-to-quickly-calculate-debt-service-coverage-ratio-guide-for-banks) ## [![](https://blog.fiscalcs.com/hubfs/Imported_Blog_Media/IMG_6733-2245-SBI-300726201.jpg) Normalizing Unusual Financial Statements July 19, 2021 When looking at a 3-year spread, what do you do if one of the statements is a substantial outlier? How can you establish a reasonable expectation of ability to repay? We know that past performance is...](https://blog.fiscalcs.com/news-updates/normalizing-unusual-financial-statements) [All posts](https://blog.fiscalcs.com/news-updates/all) ## Want to learn even more about FISCAL and what’s going on in our world? Sign up for our monthly newsletter to get updates on the software and industry delivered directly to your inbox. 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