Treasury security maturity
History and instructions agree.
Use the time remaining until maturity on the report date. The bank has applied this treatment consistently.
Numer for regulatory reporting
From raw bank files to an explainable filing.
Every U.S. bank submits a detailed financial report each quarter. Numer turns the files the bank already has into a reviewed, ready-to-file report—with an explanation behind every number.
Scroll to begin
01Files
02Rules
03Test
04Report
05Recall
Files
Start with the files the bank already has.
No new template and no re-keying. Numer recognizes the exports each team already produces and checks that the quarter is complete.
Quarterly intakethe bank
Checking files
01
General ledgerGL_trial_balance_0630.xlsx
Waiting
02
Loan recordsloan_tape_june_FINAL_v3.csv
Waiting
03
Securities holdingssecurities_holdings.xlsx
Waiting
04
Deposit balancesdeposit_extract.txt
Waiting
05
Custodian statementcustodian_stmt_2026-06.pdf
Waiting
0 of 5 received
Rules
Numer learns how this bank reports each number.
It compares the bank’s past work with the reporting instructions, proposes a clear rule, and asks a person to confirm any judgment.
Past reports and source filesSeven completed quarters
Learning patterns
2024 Q3
2024 Q4
2025 Q1
2025 Q2
2025 Q3
2025 Q4
2026 Q1
Loans more than 90 days past due
One judgment needs confirmation.
The bank kept two loans accruing, but the instructions also require evidence of active collection. That evidence is missing.
Test
Before preparing a new report, Numer rebuilds the last one.
The previous filing becomes a practical test: what matches is proven, and every difference has to explain itself.
Q1 2026 comparisonFiled report versus Numer rebuild · dollars in thousands
Rebuilding
Report fieldFiledRebuiltResult
Interest-bearing cashBalance sheet61,35861,358Match
Securities available for saleBalance sheet302,705302,705Match
Treasuries: three to five yearsSecurities detail57,73855,328Explain
Treasuries: five to fifteen yearsSecurities detail20,84123,251Explain
Loans held for investmentBalance sheet926,142926,142Match
Allowance for credit lossesBalance sheet−11,114−11,114Match
Loans over 90 days past dueLoan quality4,2002,586Explain
Nonperforming loansLoan quality8982,512Explain
Report
Numer prepares the new quarter and checks every change.
Routine fields fill automatically. Important changes pause for a person. Every approval stays attached to the exact version that gets filed.
Quarterly reportDraft prepared from five source files · dollars in thousands
Preparing draft
Report fieldQ2 valueChange
CashBalance sheet57,610−25.9%
Interest-bearing balancesBalance sheet61,826+0.8%
Securities available for saleBalance sheet319,035+5.4%
Treasuries: three to five yearsSecurities detail70,110+21.4%
Loans held for saleBalance sheet1,205New
Loans held for investmentBalance sheet939,795+1.5%
Allowance for credit lossesBalance sheet−11,278−1.5%
Total assetsBalance sheet1,412,262+0.8%
Total depositsBalance sheet1,198,000+0.9%
Building source links for every field0 of 36 ready
Recall
Months later, every answer is already documented.
When an examiner asks why a number changed, Numer retrieves the source, the decision, and the people who approved it.
Examiner responseSearch across filed quarters and supporting records
Cited answer
Examiner question
Nonperforming loans increased by $2.4 million, driven by two commercial real estate loans.
Filed Q1 and Q2 reportsOne loan was reclassified under the bank’s confirmed overdue-loan rule; the other stopped accruing in May.
Loan records · 2 rowsBoth changes were reviewed by Lending and approved by the Controller before the Q2 filing.
Review and approval recordBuilding answer from the filing recordReady for review
From raw files to an explainable filing.
Numer gives every reported number a source, a reason, and an owner.