{ "tool_id": "art-434-call-report-edit-check-gate", "note": "Vector 1 chains art-432's and art-433's real-filed-data vectors (FDIC BankFind Suite CERT:3510, 2026-03-31 -- see those nodes' own fixture notes) through the edit-check battery end to end: an all-fatal-checks-pass, gate_status:auto_pass result. Vector 2 deliberately breaks the RC/RC-R entity_id and capital-ordering cross-checks to exercise the gate_status:review_required branch. golden_hash computed at fixture generation time.", "vectors": [ { "name": "boa-cert3510-2026q1-auto-pass", "policy_parameters": { "rounding_tolerance_usd": 1, "rc_output_payload": { "entity_id": "FDIC-CERT-3510", "reporting_period": "2026-03-31", "report_form": "FFIEC 031", "schedule": "RC", "assets": [ { "key": "cash_and_due_from_usd", "mdrm": "RCON0071", "label": "Cash and balances due from depository institutions", "value_usd": 226409000 }, { "key": "securities_htm_usd", "mdrm": "RCON1754", "label": "Held-to-maturity securities", "value_usd": 0 }, { "key": "securities_afs_usd", "mdrm": "RCON1773", "label": "Available-for-sale securities", "value_usd": 864213000 }, { "key": "loans_and_leases_net_usd", "mdrm": "RCON2122", "label": "Total loans and leases, net of unearned income and allowance", "value_usd": 1191560000 }, { "key": "bank_premises_usd", "mdrm": "RCON2145", "label": "Bank premises and fixed assets", "value_usd": 21670000 }, { "key": "other_assets_usd", "mdrm": "RCON2160", "label": "Other assets", "value_usd": 368340000 } ], "total_assets_usd": 2672192000, "total_assets_mdrm": "RCON2170", "liabilities": [ { "key": "total_deposits_usd", "mdrm": "RCON2200", "label": "Total deposits", "value_usd": 2128004000 }, { "key": "borrowings_usd", "mdrm": "RCON2800", "label": "Total borrowings", "value_usd": 250000000 }, { "key": "other_liabilities_usd", "mdrm": "RCON2930", "label": "Other liabilities", "value_usd": 52478000 } ], "total_liabilities_usd": 2430482000, "total_liabilities_mdrm": "RCON2948", "equity": [ { "key": "common_stock_usd", "mdrm": "RCON3230", "label": "Common stock", "value_usd": 3020000 }, { "key": "surplus_usd", "mdrm": "RCON3839", "label": "Surplus", "value_usd": 177631000 }, { "key": "retained_earnings_usd", "mdrm": "RCON3632", "label": "Retained earnings", "value_usd": 61059000 }, { "key": "aoci_usd", "mdrm": "RCON3216", "label": "Accumulated other comprehensive income", "value_usd": 0 } ], "total_equity_capital_usd": 241710000, "total_equity_capital_mdrm": "RCON3210", "total_liabilities_and_equity_usd": 2672192000, "identity_delta_usd": 0, "identity_balanced": true, "rounding_tolerance_usd": 1, "boundary_note": "Line-item values are caller-declared from the institution's own books; this kernel performs only the arithmetic aggregation into Schedule RC totals and the Total assets == Total liabilities + Total equity capital identity check. It does not derive, estimate, or audit any individual line item.", "xbrl_json_annex1_note": "MDRM concept codes above (RCON2170/RCON2948/RCON3210) align with the §13.13 xBRL-JSON export profile's Annex 1 FFIEC Call Report mapping; rendering to that profile is a separate exporter work unit, not performed by this kernel." }, "rcr_output_payload": { "entity_id": "FDIC-CERT-3510", "reporting_period": "2026-03-31", "report_form": "FFIEC 031", "schedule": "RC-R", "constants_version": "2026-07-23.basel3-standardized-v1", "is_gsib": false, "cet1_capital_usd": 186870000, "additional_tier1_capital_usd": 0, "tier1_capital_usd": 186870000, "tier2_capital_usd": 15731000, "total_capital_usd": 202601000, "total_rwa_usd": 1535559000, "total_leverage_exposure_usd": 2672192000, "ratios": { "cet1_ratio_pct": 0.121695, "cet1_min_pct": 0.045, "cet1_pass": true, "tier1_ratio_pct": 0.121695, "tier1_min_pct": 0.06, "tier1_pass": true, "total_capital_ratio_pct": 0.13194, "total_capital_min_pct": 0.08, "total_capital_pass": true, "supplementary_leverage_ratio_pct": 0.069931, "slr_min_pct": 0.03, "slr_pass": true }, "eslr": { "applicable": false, "buffer_pct": 0, "required_slr_pct": null, "pass": true, "final_rule_citation": "eSLR final rule, published 2025-12-01, effective 2026-04-01 (§0.2)" }, "boundary_note": "Capital component and RWA values are caller-declared; this kernel performs only ratio arithmetic and threshold comparison against caller-declared, version-pinned minimums. It does not calculate risk weights, classify exposures, or derive GSIB status.", "mdrm_note": "Schedule RC-R MDRM item prefixes vary by advanced vs. standardized approach and reporting vintage; capital-component field names here mirror the FDIC BankFind Suite mnemonics (RBCT1J tier1, RBCT2 tier2, RWAJT total RWA), which the FDIC itself derives from filed Call Report Schedule RC-R submissions." } }, "output_payload": { "entity_id": "FDIC-CERT-3510", "reporting_period": "2026-03-31", "report_form": "FFIEC 031", "rounding_tolerance_usd": 1, "checks": [ { "id": "EDIT-RC-01", "severity": "fatal", "description": "Total assets (RCON2170) equals Total liabilities (RCON2948) plus Total equity capital (RCON3210), within rounding tolerance.", "passed": true }, { "id": "EDIT-RC-02", "severity": "fatal", "description": "Total assets is non-negative.", "passed": true }, { "id": "EDIT-RC-03", "severity": "fatal", "description": "Total equity capital is non-negative.", "passed": true }, { "id": "EDIT-RCR-01", "severity": "fatal", "description": "CET1 capital does not exceed Tier 1 capital.", "passed": true }, { "id": "EDIT-RCR-02", "severity": "fatal", "description": "Tier 1 capital does not exceed Total capital.", "passed": true }, { "id": "EDIT-RCR-03", "severity": "fatal", "description": "Total risk-weighted assets is positive.", "passed": true }, { "id": "EDIT-RCR-04", "severity": "warning", "description": "Reported CET1 ratio is arithmetically consistent with CET1 capital / total RWA.", "passed": true }, { "id": "EDIT-RCR-05", "severity": "warning", "description": "Reported total capital ratio is arithmetically consistent with Total capital / total RWA.", "passed": true }, { "id": "EDIT-META-01", "severity": "fatal", "description": "Schedule RC and RC-R report the same entity_id.", "passed": true }, { "id": "EDIT-META-02", "severity": "fatal", "description": "Schedule RC and RC-R report the same reporting_period.", "passed": true } ], "check_count": 10, "fatal_failure_count": 0, "warning_failure_count": 0, "all_fatal_passed": true, "gate_status": "auto_pass", "coverage_note": "Curated representative edit-check battery (balance identity, capital-stack ordering, ratio-vs-component consistency, cross-schedule entity/period match) -- not the FFIEC published edit-check catalog's full check count." }, "golden_hash": "725f65e9261573ac5398b4860fc2fa939f96630fd12635e6706d2b138b3738c2" }, { "name": "synthetic-mismatched-review-required", "policy_parameters": { "rounding_tolerance_usd": 1, "rc_output_payload": { "entity_id": "SYN-0001", "reporting_period": "2026-06-30", "report_form": "FFIEC 031", "schedule": "RC", "assets": [ { "key": "cash_and_due_from_usd", "mdrm": "RCON0071", "label": "Cash and balances due from depository institutions", "value_usd": 5000000 }, { "key": "securities_htm_usd", "mdrm": "RCON1754", "label": "Held-to-maturity securities", "value_usd": 2000000 }, { "key": "securities_afs_usd", "mdrm": "RCON1773", "label": "Available-for-sale securities", "value_usd": 3000000 }, { "key": "loans_and_leases_net_usd", "mdrm": "RCON2122", "label": "Total loans and leases, net of unearned income and allowance", "value_usd": 40000000 }, { "key": "bank_premises_usd", "mdrm": "RCON2145", "label": "Bank premises and fixed assets", "value_usd": 500000 }, { "key": "other_assets_usd", "mdrm": "RCON2160", "label": "Other assets", "value_usd": 500000 } ], "total_assets_usd": 51000000, "total_assets_mdrm": "RCON2170", "liabilities": [ { "key": "total_deposits_usd", "mdrm": "RCON2200", "label": "Total deposits", "value_usd": 42000000 }, { "key": "borrowings_usd", "mdrm": "RCON2800", "label": "Total borrowings", "value_usd": 3000000 }, { "key": "other_liabilities_usd", "mdrm": "RCON2930", "label": "Other liabilities", "value_usd": 500000 } ], "total_liabilities_usd": 45500000, "total_liabilities_mdrm": "RCON2948", "equity": [ { "key": "common_stock_usd", "mdrm": "RCON3230", "label": "Common stock", "value_usd": 1000000 }, { "key": "surplus_usd", "mdrm": "RCON3839", "label": "Surplus", "value_usd": 2000000 }, { "key": "retained_earnings_usd", "mdrm": "RCON3632", "label": "Retained earnings", "value_usd": 1000000 }, { "key": "aoci_usd", "mdrm": "RCON3216", "label": "Accumulated other comprehensive income", "value_usd": -3000000 } ], "total_equity_capital_usd": 1000000, "total_equity_capital_mdrm": "RCON3210", "total_liabilities_and_equity_usd": 46500000, "identity_delta_usd": 4500000, "identity_balanced": false, "rounding_tolerance_usd": 1, "boundary_note": "Line-item values are caller-declared from the institution's own books; this kernel performs only the arithmetic aggregation into Schedule RC totals and the Total assets == Total liabilities + Total equity capital identity check. It does not derive, estimate, or audit any individual line item.", "xbrl_json_annex1_note": "MDRM concept codes above (RCON2170/RCON2948/RCON3210) align with the §13.13 xBRL-JSON export profile's Annex 1 FFIEC Call Report mapping; rendering to that profile is a separate exporter work unit, not performed by this kernel." }, "rcr_output_payload": { "entity_id": "SYN-GSIB-0001", "reporting_period": "2026-06-30", "report_form": "FFIEC 031", "schedule": "RC-R", "constants_version": "2026-07-23.basel3-standardized-v1", "is_gsib": true, "cet1_capital_usd": 60000000, "additional_tier1_capital_usd": 5000000, "tier1_capital_usd": 65000000, "tier2_capital_usd": 10000000, "total_capital_usd": 75000000, "total_rwa_usd": 500000000, "total_leverage_exposure_usd": 1600000000, "ratios": { "cet1_ratio_pct": 0.12, "cet1_min_pct": 0.045, "cet1_pass": true, "tier1_ratio_pct": 0.13, "tier1_min_pct": 0.06, "tier1_pass": true, "total_capital_ratio_pct": 0.15, "total_capital_min_pct": 0.08, "total_capital_pass": true, "supplementary_leverage_ratio_pct": 0.040625, "slr_min_pct": 0.03, "slr_pass": true }, "eslr": { "applicable": true, "buffer_pct": 0.02, "required_slr_pct": 0.05, "pass": false, "final_rule_citation": "eSLR final rule, published 2025-12-01, effective 2026-04-01 (§0.2)" }, "boundary_note": "Capital component and RWA values are caller-declared; this kernel performs only ratio arithmetic and threshold comparison against caller-declared, version-pinned minimums. It does not calculate risk weights, classify exposures, or derive GSIB status.", "mdrm_note": "Schedule RC-R MDRM item prefixes vary by advanced vs. standardized approach and reporting vintage; capital-component field names here mirror the FDIC BankFind Suite mnemonics (RBCT1J tier1, RBCT2 tier2, RWAJT total RWA), which the FDIC itself derives from filed Call Report Schedule RC-R submissions." } }, "output_payload": { "entity_id": "SYN-0001", "reporting_period": "2026-06-30", "report_form": "FFIEC 031", "rounding_tolerance_usd": 1, "checks": [ { "id": "EDIT-RC-01", "severity": "fatal", "description": "Total assets (RCON2170) equals Total liabilities (RCON2948) plus Total equity capital (RCON3210), within rounding tolerance.", "passed": false }, { "id": "EDIT-RC-02", "severity": "fatal", "description": "Total assets is non-negative.", "passed": true }, { "id": "EDIT-RC-03", "severity": "fatal", "description": "Total equity capital is non-negative.", "passed": true }, { "id": "EDIT-RCR-01", "severity": "fatal", "description": "CET1 capital does not exceed Tier 1 capital.", "passed": true }, { "id": "EDIT-RCR-02", "severity": "fatal", "description": "Tier 1 capital does not exceed Total capital.", "passed": true }, { "id": "EDIT-RCR-03", "severity": "fatal", "description": "Total risk-weighted assets is positive.", "passed": true }, { "id": "EDIT-RCR-04", "severity": "warning", "description": "Reported CET1 ratio is arithmetically consistent with CET1 capital / total RWA.", "passed": true }, { "id": "EDIT-RCR-05", "severity": "warning", "description": "Reported total capital ratio is arithmetically consistent with Total capital / total RWA.", "passed": true }, { "id": "EDIT-META-01", "severity": "fatal", "description": "Schedule RC and RC-R report the same entity_id.", "passed": false }, { "id": "EDIT-META-02", "severity": "fatal", "description": "Schedule RC and RC-R report the same reporting_period.", "passed": true } ], "check_count": 10, "fatal_failure_count": 2, "warning_failure_count": 0, "all_fatal_passed": false, "gate_status": "review_required", "coverage_note": "Curated representative edit-check battery (balance identity, capital-stack ordering, ratio-vs-component consistency, cross-schedule entity/period match) -- not the FFIEC published edit-check catalog's full check count." }, "golden_hash": "bb39035336519e3e5a9f06e533a770dac09ba49f8044f73b49b6b7a31bcef351" } ] }