Ask where it goes on the Call Report and get the line, cited to the Call Report instructions, the changes since and your bank's own precedent
A cited answer in under a minute, with the bank’s own precedent beside the instruction.
See one case, screen by screen ↓Call Report Instructions Search lets reporting staff ask Call Report and FR Y-9C questions in plain words and get the line, cited to the Call Report instructions and FAQs. Each answer comes in three short layers: the instruction passage with its page and revision date, what changed since in the supplemental instructions, and how the bank reported the same thing before. When the three disagree, or nothing answers, the question goes to the Policy Lead.
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The Call Report instructions answer most questions, but the answer sits in four places with four dates: the FFIEC instruction book, each page printed with its own revision date such as RC-C-20a (12-24), the quarterly supplemental instructions, the FAQs, and the bank's own accounting position memos. The report is due 30 days after the quarter ends, and no extensions are granted. So preparers in the business lines search PDFs, email the policy lead in the last week of the window, or copy what was done last quarter.
The risk is the line chosen from memory. Leases to municipalities go in item 8 because the lessee is a municipality, when item 8 says “other than leases”. A memo still sends capital call facilities to private equity funds to item 4, though the instruction page revised in December 2024 names them in item 9.a. Nobody compares the page's date with the memo's, the same question is answered three ways by three people, and nothing records what a preparer was told. A misplaced line is an amended Call Report, an edit explanation that does not hold, and a finding on the reporting controls.
Estimated split for one question a preparer cannot answer alone, today and with the agents. With the agents most questions are answered with citations in under a minute; only those where the sources disagree or are silent go to the Policy Lead, packaged, with a one-business-day clock inside the filing window. Our estimate, not a measurement.
Seven agents find the instruction, check what changed, find the bank's memo and check the ledger; people rule and approve.
Corvane National Bank, a $92 billion regional bank, is on day 22 of the Q3 2026 filing window; the FFIEC 031 is due Friday, Oct 30. Here is one morning, screen by screen, in the working solution.
Equipment Finance holds 312 leases to 87 lessees: counties, school districts, transit and water authorities, $240.6 million of net investment at Sep 30 in general ledger accounts 14520 and 14525. Marcus types the question in plain words, on the FFIEC 031 for Q3 2026. The agents' plan streams as they work: the Answer agent searches 1,410 pages and finds 9 passages, then the Change, Precedent and Mapping agents and the citation check each report what they found.
“The agents are working. Nothing is shown until every layer is cited.”
One verdict line: report it in Schedule RC-C, Part I, item 10.b, All other leases, in column A, and in the item 10 total in column B. Chips say all three agree, confidence 0.97, 7 sources, corpus 2026-Q3 v2. On the form beside it, 10.b is lit and item 8, the line people pick because the lessee is a municipality, is struck with the sentence that rules it out.
“Not here: item 8 says ‘other than leases’.”
Every citation opens the page itself: RC-C-20a (12-24), revised December 2024, with “Include all leases to states and political subdivisions in the U.S. in this item.” highlighted. The second layer says what changed since: the page was last revised before Corvane's memo, and the March, June and September 2026 supplemental instructions do not mention item 10. No change.
“Quoted exactly · Citation check.”
The third layer is Corvane's memo PM-2025-031 v1, approved by Gareth Lindqvist on Dec 15, 2025, and what was filed in item 10.b: $228.4M in Q4 2025, $231.9M in Q1 2026 and $236.2M in Q2 2026. The ledger check shows accounts 14520 and 14525 mapped to RC-C 10.b and HC-C 10.b, up $4.4M on Q2. Marcus saves the answer to WP-RCC-26Q3, the RC-C working papers, with the source versions it rested on.
Dana asks whether the $1.18 billion of capital call facilities to 41 private equity funds still go in item 4, as memo PM-2023-019 says. Item 9.a, page RC-C-17 (12-24), now names them, and Corvane has filed them in item 9.a since Q4 2024, but the memo, approved in March 2023, was never changed. The verdict line is replaced by one plain sentence, at confidence 0.62.
“The three sources disagree. The instruction says item 9.a; memo PM-2023-019 says item 4; Corvane has filed item 9.a since Q4 2024.”
The Routing agent sends the question to Renata Kowalczyk with the three passages and the filed values from Q4 2024 to Q2 2026. Inside the filing window her clock is one business day: due Oct 23, 12:00. Two minutes later it marks Q-26Q3-0436, on subscription lines, as a likely duplicate. Her queue holds 9 open questions; 3 are past 75% of their clock, and the manager has been told.
Renata sees the three sources side by side and edits the drafted ruling: RC-C item 9.a and Memorandum item 10.c, and on the FR Y-9C, Schedule HC-C item 9.a. She picks RL-03, “Instruction changed; memo updated”, and applies it to the duplicate too. Nothing filed changes. The Memo agent drafts PM-2023-019 v2 as a redline.
The Routing agent never rules, and the Memo agent never approves or publishes.
The redline strikes item 4, Commercial and industrial loans, and inserts item 9.a and Memorandum item 10.c, with the basis quoted from RC-C-17 (12-24) and ledger account 13310 now mapped to item 9.a. Acting as Renata, the Approve button is disabled with the reason shown. Gareth approves v2, and only then is it written back to the memo library.
“Approves or returns with a reason, cannot be the maker.”
The Change agent re-checks the 9 saved answers that cited PM-2023-019 v1: none to amend. Its revision-date watch lists the 6 of 180 memos that rely on a page revised after they were approved: 5 cite a passage that changed, each with a re-check to open, and one cites a passage that did not, which Renata reviewed on Oct 5. The September 2026 supplemental instructions, read Oct 2, affect no memo.
Every question, answer, ruling, approval, export and setting change is on the audit trail with who, when, why and the evidence, people and agents alike, kept seven years. The examiner pack holds each answer with its three layers and source versions, the rulings with reason codes, memo versions with maker, checker and redline, and the agent, prompt and model versions of the day. Simone reads everything and decides nothing.
“Customer and borrower names typed into questions stay masked in the pack. The pack is watermarked with the requester and logged.”
The same quarter, seen by five people in regulatory reporting: what the filing window looked like, and what it looks like now.
Seven agents find the instruction, check what changed, find the bank's memo and check the ledger; people rule and approve.
Finds the passages that decide a question in the FFIEC 031 and 041 and FR Y-9C instructions, the glossary and the FAQs, and writes the verdict line.
Reads the revision date on every instruction page and every quarter's supplemental instructions, says whether anything changed after a memo, and watches every memo and saved answer.
Finds the bank's position memos and what was filed on each line by quarter, from the regulatory reporting system, read only.
Checks the line mapping of the general ledger accounts in a question and compares this quarter's balance with last quarter's placement.
Verifies every quoted sentence against its source, removes any that do not match, and blocks an answer with an uncited layer.
Sends disagreements, answers under the confidence threshold and questions nothing in the sources answers to the Policy Lead, packaged; sets the clock, finds duplicates and tells the manager at 75%.
Drafts rulings, new memo versions as redlines, and one-page training notes from the questions people ask most.
Approves every memo version. The agents propose; a named person decides.
Ask about any line, memo or ruling, or ask for a draft. Every answer points to the page, the memo or the filed amount it came from.
Why item 10.b and not item 8 for the municipal leases?
Because item 8 excludes them by name. Item 8 covers obligations of states and political subdivisions “other than leases” and sends leases to item 10; item 10 says “Include all leases to states and political subdivisions in the U.S. in this item.” The lessees are not individuals, so it is 10.b, All other leases. Corvane's memo PM-2025-031 says the same, and $236.2M went there in Q2.
Which memos are older than the instruction pages they cite?
Six of 180. Five cite a passage that changed: PM-2023-019, PM-2022-009 and PM-2024-002 rely on RC-C-17 (12-24); PM-2019-014 on RC-C-20a (12-24); PM-2022-015 on RC-C-2a (6-24). One, PM-2021-007, cites RC-C-2 (3-24), but its passage is unchanged; Renata reviewed it on Oct 5.
What is waiting on the Policy Lead before October 30?
Nine questions. Three are past 75% of their clock and the manager has been told: the NAV facility (3 h 18 m left), the tribal housing authority overdrafts and the subscription lines, which is a likely duplicate of the capital call question and can take the same ruling.
Draft a training note on the lines people ask about most
RC-C item 9.a leads with 31 questions from 7 people; 9 needed the Policy Lead. The one-page note covers the five kinds of nondepository lender from RC-C-17 (12-24) and Corvane's three memos. It goes out only when Gareth approves it.
13 screens from the working solution, on its sample data. Pick one to see it large.
The rules the agents answer under are settings. The administrator proposes a change, the manager approves it, and it goes on the record.
| Setting | Default | Choose from |
|---|---|---|
| No citation, no answer | On | Locked on |
| Confidence threshold | 0.80 | 0.75 · 0.80 · 0.85 · 0.90; below it, the question goes to the Policy Lead with the agents' draft |
| When the three layers disagree | Always send to the Policy Lead | Packaged, and said so on the answer |
| Show the near-miss line | On | On · off |
| Ruling clock | 2 business days | 1 business day in the last 6 business days before the due date |
| Escalate to the manager | At 75% of the clock | Notified by email and chat |
| Reason codes | RL-01 to RL-05 | Rulings RL-01 to RL-05 · answer flags AF-01 to AF-04 · memo returns MR-01 to MR-03 |
| Retention | 7 years | By bank policy, at least 5 |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample data · “target” = the design goal, measured in the live solution · “estimated” = our estimate, not a measurement · “typical” = published rules and figures (FFIEC 031 and 041 instructions, Schedule RC-C, items 8, 9.a and 10, pages RC-C-15 (6-18), RC-C-17 (12-24) and RC-C-20a (12-24); FDIC, OCC and Federal Reserve, FIL-44-2013, on the 30-day deadline with no extensions; FDIC Quarterly Banking Profile, Q2 2025). Corvane National Bank and the people, memos, accounts and question numbers named on this page are fictional — characters and sample data in the working solution.
Call Report Instructions Search lets reporting staff ask Call Report and FR Y-9C questions in plain words and get the line, cited to the Call Report instructions and FAQs. Each answer comes in three short layers: the instruction passage with its page and revision date, what changed since in the supplemental instructions, and how the bank reported the same thing before. When the three disagree, or nothing answers, the question goes to the Policy Lead.
In Schedule RC-C, Part I, item 10. Item 10 says “Include all leases to states and political subdivisions in the U.S. in this item,” and item 8 covers their obligations “other than leases”. Leases to lessees other than individuals go in item 10.b, All other leases. The solution shows item 10.b lit on the form and item 8 struck, with that sentence.
Every instruction page carries its revision date, such as RC-C-17 (12-24). The Change agent compares it with the approval date of every memo that cites the page, compares the passage itself, and reads each quarter's supplemental instructions. A memo older than a changed passage gets a re-check for the Policy Lead.
Yes. The FFIEC 031 and 041 instructions, the FR Y-9C instructions, the supplemental instructions and the FAQs load as one corpus version for each quarter, approved by the manager. An answer on Schedule RC-C names the matching FR Y-9C line in Schedule HC-C when you ask.
No citation, no answer. When no passage in the instructions or the bank's memos scores high enough to decide it, the screen says so, shows what was searched, and the Routing agent sends the question to the Policy Lead with a clock. No line is suggested.
Yes. The agents find, compare, cite and draft; they never rule, approve a memo, change a ledger mapping or a filed value, or send anything to the agencies. The Policy Lead rules with a reason code, and the manager approves every new or changed memo, mapping change, corpus version and setting change. The maker never approves their own.
Every answer is kept with its three layers and the source and corpus versions it rested on, for seven years, and can be saved to the schedule's working papers. Internal audit exports one watermarked pack for OCC, FDIC or Federal Reserve examiners with the questions, rulings, memo versions and the agent, prompt and model versions of the day.
The Agentic Solution Engine builds and deploys it from your requirements and documents: your position memos, your schedule mappings and a sample of last quarter's questions. It goes live once every quality gate has passed. We will walk you through it on your own questions first.
Half the close back, and every figure opens to its ledger and its instruction paragraph.
1-min demoCall Report AnalysisEvery failed edit explained in plain words, tied to the ledger, approved before filing.
1-min demoNCUA 5300 Call ReportThe 5300 ready for the CFO in three days, every figure traced to the ledger.
1-min demoWe'll run Call Report Instructions Search on your own position memos and a sample of last quarter's questions.