Automated Call Report Filer

Principal workflows

• Collect: Trial balance, loan, deposit, investment and other subledger data arrive at quarter end from your core and accounting systems, and are checked for completeness before anything is mapped.
• Map: Each general ledger account and subledger attribute is mapped to Call Report schedules and line items through a rule set your team maintains, so the same logic is applied every quarter.
• Validate: The draft is checked against the validity and quality edits published for the form, cross-schedule relationships, and your own variance thresholds against prior quarters.
• Approve and submit: A reviewer and the signing officer approve the report with its exceptions and adjustments in view. The approved report is exported in the format the filing system accepts, and your team submits it and records the confirmation.

Who uses it

• Controllers and regulatory reporting teams at community banks
• CFOs and finance staff at credit unions who prepare the 5300
• Accounting staff who reconcile subledgers to the general ledger
• Internal audit, who test the reporting process
• Examiners, who ask how reported figures were derived

Reporting

• Quarter-end checklist status by task and owner
• Data loads, control totals and open reconciliation breaks
• Edit exceptions and their explanations
• Variances by line item against prior periods
• Manual adjustments with preparer and approver
• Filing history and mapping change history for examiners

Features

• Line-item lineage: Every reported figure can be traced to the ledger accounts, subledger records and adjustments that produced it.
• Maintained mapping rules: Ledger and subledger mapping kept as versioned rules, with each change proposed, approved and dated.
• Edit checks before submission: Published validity and quality edits run on the draft, so exceptions are explained before the filing system sees them.
• Ledger reconciliation: Subledger totals reconciled to the general ledger, and the report reconciled back to the trial balance, with breaks listed.
• Variance analysis: Quarter-over-quarter and year-over-year movements by line item, flagged against thresholds you set, with space for the explanation.
• Adjustment register: Manual adjustments recorded with amount, line, reason, preparer and approver, rather than typed over a figure.
• Form version tracking: Schedules and line items maintained as the agencies revise the forms, with the version used for each quarter kept.
• Bank and credit union forms: Supports the FFIEC 031, 041 and 051 forms for banks and the NCUA 5300 for credit unions.
• Quarter-end checklist: Tasks, owners and status for the close-to-filing process, so the controller sees what is outstanding.
• Review and sign-off: Preparer, reviewer and signing officer steps are separate, and nobody approves their own work.
• Amendment handling: Amended reports go through the same validation and approval, and the history of each filed version is kept.
• Examiner-ready support: The filed report, its lineage, adjustments, edit explanations and approvals can be exported as one package.

Integrations

• Core banking or credit union core: Loan, deposit and member or customer data by scheduled file or API, mapped during implementation.
• General ledger: Trial balance and account hierarchy from your accounting system at quarter end.
• Investment accounting: Securities holdings and classifications from your investment accounting system or safekeeping provider.
• Allowance and impairment: Credit loss allowance figures from your allowance process, including Moraph's IFRS 9 / CECL Impairment Calculator.
• Filing systems: Approved reports are exported in the format accepted by the FFIEC Central Data Repository or NCUA's Call Report filing system for your team to submit.
• Single sign-on: Staff sign in through your identity provider (SAML or OpenID Connect).
• Work API: Reported figures, lineage and adjustments available to your data warehouse and reporting tools through the Moraph Work API.

Deployment

• Moraph cloud: Hosted and operated by Moraph in the United States region.
• Dedicated environment: A single-tenant environment for institutions whose policies require isolation, scoped in the proposal.
• With a managed service: Optionally supported by Moraph staff at quarter end for data loads, mapping maintenance and form updates.

Security and privacy

• Single sign-on: Staff sign in through your identity provider, so your password and multi-factor policies apply.
• Role-based access: What each person can see and do follows their role; preparing, reviewing and approving are separate permissions.
• Encryption and keys: Client data is encrypted, with keys Moraph staff cannot use without explicit, time-bound authorization.
• Complete audit trail: Every load, adjustment, approval and export is logged with the person and time, and cannot be edited.
• Data residency: Data stays in the hosting region you choose; US institutions are hosted in the United States region.
• Tested releases: Every release passes security testing gates before it ships, and a software bill of materials is maintained for the product.

Limitations

• The Filer does not submit reports itself. A person at your institution approves the report and submits it through the FFIEC Central Data Repository or NCUA's filing system.
• Accuracy depends on the completeness and quality of the source data you provide and on mapping rules your institution approves.
• Accounting judgments, such as classifications and allowance estimates, are your institution's decisions; the Filer records them but does not make them.
• It covers the FFIEC 031, 041 and 051 and the NCUA 5300. Other regulatory reports, such as FR Y-9C or reports to state regulators, are not included.
• It is not a general ledger or allowance model; it uses the figures those systems produce.
• Form changes published by the agencies are added to the product, but your team should review each revised quarter before filing.
• It is designed for US reporting requirements; prudential reporting in other countries is not included.
• Signing and attestation requirements in the form instructions remain with your officers and directors.

Next steps

Book a demonstration or a technical briefing at www.moraph.com/solutions/automated-call-report-filer. Purchasing routes and company information: www.moraph.com/how-to-buy.