How to Create an Effective Monthly Treasurer Report (MTR)

A monthly treasurer report (MTR) is important for managing your business finances. Tracking your income and expenses, as well as your balance sheet, cash flow, and loan activity, can help you maintain a healthy working capital position and make smart investment decisions.

A monthly treasurer report (MTR) is important for managing your business finances. In this blog post, we provide tips on how to create effective MTRs. 

How to create a monthly treasurer report (MTR)

How to Create an Effective Monthly Treasurer Report (MTR)
How to Create an Effective Monthly Treasurer Report (MTR)

A monthly treasurer report (MTR) is important for managing your business finances. The following are tips on how to create effective MTRs:

  1. Start by identifying the goals of the MTR. What do you want to learn from it? For example, if you are looking to track progress or identify trends in your financials, focus on specific metrics or categories that matter most to you.
  2. Keep the format simple and easy to read. Ensure all figures and tables are clear and concise, with alphabetized headings for each section, so readers can quickly locate the needed information.
  3. Use graphs and charts where appropriate. They can help illustrate key points more clearly, spark interest in readers who might not be statisticians, and add a level of visual appeal that helps increase engagement with the report overall.
  4. Organize data into easily digestible chunks. Try grouping related data into relevant “chunks” to make analysis much easier.
  5. Share your MTR publicly. Your board or other stakeholders may find it helpful in gauging performance or making decisions about future investments.

What should be included?

Formatting a Monthly Treasury Report can be time-consuming if not done correctly. This document should be concise but informative enough to give investors an idea of what happened in your business during that particular month while still providing all relevant data needed to make informed decisions regarding future investments. There are basic sections that need to be included in every MTR: 

 Transaction Summary/Charting

This section includes information about all transactions within your company throughout the given month, including cash movements and any checks processed or API calls executed. It is important to highlight which accounts were impacted by these activities so you have a comprehensive view of where your funds are moving at any given moment; this will also allow you to spot potentially fraudulent activity more easily.

Income and expenses 

Every business has to manage its finances, and creating effective reports is an essential part of doing so. The following template can be used as a starting point for monthly treasurer reports in your business:

 Income and expenses by category 

  •  Income from sales, services rendered, or rental income 
  •  Expenses associated with running the business (employees’ wages, rent, utilities, marketing costs) 
  •  Transactions over a given period (date range selected; current month only or all months combined)

Balance sheet 

The most important part of any business is its balance sheet. This document reflects a company’s financial health and stability and can help make informed investment decisions. 

 You must first understand your company’s current situation to create useful reports. You should track income and expense items monthly so that you have a clear understanding of how your money is being used. Next, use this data to analyze your cash position, debtors, and creditors’ status. Finally, ensure shareholders get their fair share by reviewing stockholder equity.

 There are many different ways to create reports from this data; the most important thing is that you get started now to start making better business decisions. Here’s a template for one type of report: The Monthly Treasurer Report.

Cash flow 

The monthly treasurer report should include the following information:

  •  Receipts and Expenditures 
  •  Income and Expenses 
  •  Balance Sheet 
  •  Statement of Cash Flows

Loan activity 

To manage your finances effectively, it is important to track the progress of your loans. This can be done through a Loan Activity Report (LAR). A LAR summarizes all active loan accounts and their current status. It also includes information on past-due payments, principal balances, and interest rates.

  • Statement of Debtors’ Rights report:The Statement of Debtors’ Rights report lists each debtor’s name and address, the amount owed by that debtor, the date the debt was incurred, an explanation of why payment has not been received, and contact information for collecting debts.
  • Monthly Treasury Management Report:The Monthly Treasury Management report helps you develop a plan for how much money should be spent each month on various items such as salaries or bills paying costs associated with those listed in the statement of operations. To plan future expenses more accurately, you will also see where any unused funds have been deposited over the past months.

Working capital position 

Most businesses require operational cash flow to cover short-term obligations and continue making payments on long-term debt. These activities, collectively called working capital management (WCM), involve managing a company’s current assets and liabilities to always be in balance. This section will discuss the key indicators used to measure WCM performance and tips for improving your overall approach.

 To maintain a positive working capital position, businesses must have adequate short-term liquidity and solid long-term financial stability. The three most common measures of WCM performance are: 

  • Short-term liquidity – Measuring how well a company can generate immediate funds by selling assets or borrowing money. 
  • Long-term financial stability – Examining the risk associated with each asset class and whether enough equity is available to absorb any future losses. 
  • Current ratio – Indicates how easily a business can meet its current obligations relative to their borrowings or investments.

Each indicator provides valuable insight into different aspects of the company’s operation, so managers must track all three over time to make informed decisions about where to allocate resources.

Companies should also consider assessing their tier 1 capital levels to ensure they have a sufficient cushion against unexpected shocks impacting their finances.

When analyzing these metrics, be sure to focus on absolute numbers and compare them across different periods to identify trends.

Benefits Of Creating a Monthly Treasurer Report Template 

Creating a monthly treasurer report template can improve your organization’s financial performance. The following are five benefits of using a report template to manage your finances:

  • Increased accuracy and transparency – A treasury report template allows for increased accuracy and transparency when reporting financial data. This is because the format follows Generally Accepted Accounting Principles (GAAP), which all businesses should adhere to to be transparent with their investors and stakeholders.
  • Improved communication – Using a standard treasury report template makes it easier for managers to communicate key financial information with team members across different departments or divisions. In addition, this type of document eliminates the need for a repetitive back-and-forth between different parties involved in accounting and finance tasks.
  • Reduced time spent on paperwork – By automating certain aspects of treasury management, such as compiling monthly reports, spreadsheet tracking becomes unnecessary. This frees up valuable resources that can be put towards more important tasks within an organization’s business.
  • Enhanced decision-making – When accurate and reliable financial information is available at any given moment, managers can make better decisions about budgeting, investment allocation, and other strategic matters.
  • Enhanced accountability – Clear visibility into an organization’s spending patterns helps supervisors take corrective action if required. Ultimately, having a standard treasury report template reduces the likelihood of financial mismanagement or fraud occurring.


By following the tips and guidelines in this blog post, you’ll be on your way to creating an effective MTR. With careful planning and thorough reporting, you can keep track of your business finances concisely, making it easier to make informed decisions regarding your future investments.

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