Sample bank statement income worksheet
This is what StatementReady produces from 12 months of statements: the income worksheet, the Evidence Pack, and the deposits to source. Everything here is made up. No account needed.
Alex Sample · Purchase · Non-QM personal · 12 months · First Example Bank ••4821
Counted deposits
$107,354.50
Average counted
$8,946.21
Ownership / expense
100% / 0%
Qualifying income
$8,946.21
| Month | In file | All deposits | Counted deposits | Unverified |
|---|---|---|---|---|
| October 2025 | Yes | $10,321.54 | $8,521.54 | — |
| November 2025 | Yes | $10,123.89 | $8,323.89 | — |
| December 2025 | Yes | $9,926.26 | $8,126.26 | — |
| January 2026 | Yes | $9,978.63 | $7,928.63 | — |
| February 2026 | Yes | $10,790.99 | $8,990.99 | — |
| March 2026 | Yes | $9,333.36 | $7,533.36 | — |
| April 2026 | Yes | $10,395.73 | $8,595.73 | — |
| May 2026 | Yes | $16,998.08 | $15,198.08 | — |
| June 2026 | Yes | $10,000.46 | $8,200.46 | — |
| July 2026 | Yes | $11,062.82 | $9,262.82 | — |
| August 2026 | Yes | $9,605.19 | $7,805.19 | — |
| September 2026 | Yes | $10,667.55 | $8,867.55 | — |
Wage and payroll deposits, transfers between the borrower's own accounts and refunds are left out of income unless you count them on the review screen. 13 deposits are left out on this sample.
Reconciled means the transactions add up to the printed balances. It doesn't confirm that each deposit is eligible income. StatementReady assists your review and doesn't make underwriting decisions.
Evidence Pack
- Calculated monthly income figure
- $8,946.21 · Cited — see page reference
- Figure calculated from statements
- $8,946.21 · Cited — see page reference
- Counted deposits, total for the period
- $107,354.50 · Cited — see page reference
- Average monthly counted deposits
- $8,946.21 · Cited — see page reference
- Expense applied
- $0.00 · Partly cited — deposits cited in Appendix A; expense factor not from a statement page
Deposits to source
- Please provide the source of the 2026-05-21 deposit of $6,800.00 ("CLIENT WIRE IN ACCT 987654321012") on First Example Bank ••4821. Include a letter of explanation and the document that shows where the funds came from.
Average daily balance
| Account and month | Average daily balance |
|---|---|
| First Example Bank ••4821 · October 2025 | $12,226.94 |
| First Example Bank ••4821 · November 2025 | $13,756.82 |
| First Example Bank ••4821 · December 2025 | $15,101.24 |
| First Example Bank ••4821 · January 2026 | $16,582.59 |
| First Example Bank ••4821 · February 2026 | $18,727.55 |
| First Example Bank ••4821 · March 2026 | $19,684.32 |
| First Example Bank ••4821 · April 2026 | $21,119.84 |
| First Example Bank ••4821 · May 2026 | $25,149.37 |
| First Example Bank ••4821 · June 2026 | $31,280.01 |
| First Example Bank ••4821 · July 2026 | $33,220.68 |
| First Example Bank ••4821 · August 2026 | $34,685.04 |
| First Example Bank ••4821 · September 2026 | $36,392.00 |