Statement Studies

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  • Posted in: RMA Member Forum

    ​We typically completely net out retainage and bonded A/R.  And consideration should be given to netting out progress billings. ------------------------------ Joseph Davis CRC Sr. Vice President/Credit Officer Heartland Financial USA Inc Denver CO (303)439-4868 ...

  • Posted in: RMA Member Forum

    ​We were just discussing the same thing yesterday.  I am interested in how people handle this topic in policy. ------------------------------ Dawn Fleury Chief Risk Officer Country Bank for Savings Ware MA (413)277-2008 ----------------------------- ...

  • Posted in: RMA Member Forum

    ​Good morning, David - The amount of retainage included in our borrowing bases is determined on a case-by-case basis.  We take into consideration the experience of the management, length of operations, and type of customers/projects the retainage is ...


  • RMA's Annual Statement Studies® are now available!

    RMA's Annual Statement Studies are the only source of comparative industry data that comes directly from the financial statements of small and medium-size business clients of RMA’s member institutions. For over 97 years, RMA has been the leader in ... more

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