Please explain what beyond a month end 12/31/18 of bank and loan accounts you are looking for. Reconciling is a good practice but only necessary to ensure accuracy. Best practice is monthly with each statement but certain accounts like loans may only have 2 dozen transactions in an entire year and for those a single annual reconciliation is sufficient. Each account you want to reconcile must be done individually, there is no overall reconciliation of your books. You should run what is called Trial Balance in addition to Balance Sheet and P&L but intuit in their great wisdom has removed the TB from most online reports.