--- title: News-Updates | Statement Spreading description: Statement Spreading | 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 ## [![two people viewing financial reports on a laptop](https://blog.fiscalcs.com/hubfs/top-spreading-software-credit-union.png) Top Spreading Software Features for Small Credit Unions March 26, 2024 Small credit unions are finding themselves at a crossroads between maintaining personalized member services and embracing technological advancements to enhance operational efficiency. Among these...](https://blog.fiscalcs.com/news-updates/small-credit-union-software) ## [![AI under microscope in finance](https://blog.fiscalcs.com/hubfs/Ai_tools_for_finance%20(1).png) AI Tools for Finance: What is the Role of AI in Community Banking? February 09, 2024 Technology plays a critical role in shaping how financial institutions operate, enhancing efficiency and precision – among these technological advancements, Artificial Intelligence (AI) has sparked...](https://blog.fiscalcs.com/news-updates/ai-tools-for-finance) ## [![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) ## [![AI word over cityscape](https://blog.fiscalcs.com/hubfs/AI_in_Lending_Platforms.png) AI Lending Platforms: The Capabilities, Benefits and Challenges November 28, 2023 Artificial intelligence (AI) is rapidly advancing in today’s business world, finding its way into tools and software that companies use daily. In early 2023, Salesforce announced its native...](https://blog.fiscalcs.com/news-updates/ai-lending-platforms-the-capabilities-benefits-and-challenges) ## [![FISCAL Forward logo](https://blog.fiscalcs.com/hubfs/fiscal_forward_logo_blog_v3.png) FISCAL Forward Launch Advances Financial Statement Spreading Efficiency September 01, 2023 For more than 30 years, FISCAL has provided easy-to-use and reliable credit analysis tools to community banks and credit unions, helping them streamline their financial statement spreading and...](https://blog.fiscalcs.com/news-updates/fiscal-forward-launch) ## [![financial spreading reports](https://blog.fiscalcs.com/hubfs/FinancialStatementSpreadingUltimateGuide_blog-1.png) Financial Statement Spreading for Small Business: Your Ultimate Guide August 21, 2023 Small business lending is an essential part of community banking. For local banks and credit unions, lending to entrepreneurs and small businesses in the community helps foster economic development...](https://blog.fiscalcs.com/news-updates/financial-statement-spreading-guide) ## [![Financial Spreading Worksheet with Bank Teller](https://blog.fiscalcs.com/hubfs/Blog%20Images/Bank%20Teller.png) Spreading Financials: Common Mistakes to Avoid July 18, 2023 Community banks and credit unions that lend to small businesses typically have a standard set of practices they use to assess the risk and profitability of potential loans. While there are a number...](https://blog.fiscalcs.com/news-updates/spreading-financials-mistakes) ## [![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) ## [![](https://blog.fiscalcs.com/hubfs/Blog%20Images/BankingSoftwareSolutionsBlog.png) Banking Software Solutions: Core Systems and Lending Software June 05, 2023 “Digital transformation” is a popular buzzword today, referring to the efforts companies are making to connect all digital parts of the business seamlessly. The goals of a digital transformation are...](https://blog.fiscalcs.com/news-updates/banking-software-solutions-core-systems-and-lending-software) [All posts](https://blog.fiscalcs.com/news-updates/all) [Next](https://blog.fiscalcs.com/news-updates/tag/statement-spreading/page/2) ## 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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