The loan report should ALWAYS include loans that had a beginning balance in the selected reporting period even if the ending balance is zero, so that you can generate an accurate loan report with beginning and ending values. Currently, the only way to include the info on these loans is to select the "show loans with zero balances", which will includes all loans, even those with a zero beginning balance for the period, which is not desirable unless you want a report for all loans from inception of the database.