Ocrolus Bank Statement Income Calculator Example.xlsx

	A	B	C	D	E	G	H	I	J	L	M	N	O	P	Q	S	W	X
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2		BORROWER/LOAN INFORMATION	COMPLETE ALL YELLOW FIELDS			LARGE DEPOSIT FLAG				TOTALS						BORROWER/LOAN INFORMATION
3	Today's Date:	Borrower Name:				Average Deposit		$3,000.00		Total Deposits			$12,000.00			Guideline Expense Factor
4	18-Jun-2025	Account Holder:	ALEXANDER HAMILTON			Percentage Amount		50.00%		Total Included Deposits			$6,000.00			Borrower(s) % Ownership of Business
5	Completed By:	Account Number:	111234567890			Large Deposit Threshold		$4,500.00		Total Excluded Deposits			$6,000.00			Total Months Included	2
6		Loan Number:								Qualifying Income Avg			$3,000.00
7		Account Type:
8						Total NSF Count:		0								TOTAL MONTHLY QUALIFYING INCOME (Average - Personal)		$3,000.00
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10	DEPOSITS					NSF TRANSACTIONS				STATEMENT OVERVIEW						Standard Expense Factor Calculation
11	Date	Transaction	Amount	Include/Exclude	Large Deposit	Date	Transaction	Amount	Include/Exclude	Begin Date	End Date	Included Total	Beginning Balance	Ending Balance	Total NSF Count	Total Allowable Deposits		$6,000.00
12	20-Apr-2021	CHEQUE DEPOSIT	$3,000.00	Include	N					15-Apr-2021	30-Apr-2021	$3,000.00	$10,000.00	$10,000.00	0	Qualifying Business-Related Deposits x Expense Factor x % Ownership		$0.00
13	19-Apr-2021	ACCOUNT TRANSFER IN	$3,000.00	Exclude	N					01-Apr-2021	15-Apr-2021	$3,000.00	$10,000.00	$10,000.00	0	Qualifying Expense Factor Monthly Income		$0.00
14	6-Apr-2021	CHEQUE DEPOSIT	$3,000.00	Include	N							$0.00			0	NOTE: See below for alternate calculation options.
15	4-Apr-2021	ACCOUNT TRANSFER IN	$3,000.00	Exclude	N							$0.00			0
16												$0.00			0	CPA/Licensed Tax Preparer Expense Factor Calculation
17												$0.00			0	Total Allowable Deposits		$6,000.00
18												$0.00			0	CPA/Tax Preparer Expense Factor
19												$0.00			0	Total Allowable Deposits x Expense Factor x % Ownership		$0.00
20												$0.00			0	Qualifying Income		$0.00
21												$0.00			0
22												$0.00			0
23												$0.00			0	Profit & Loss Expense Factor Calculation
24												$0.00			0	Gross Revenue from Profit and Loss Statement
25												$0.00			0	Expenses from Profit and Loss Statement
26												$0.00			0	Expense Factor (Expenses / Gross Revenue)		0.00%
27												$0.00			0	Total Allowable Deposits minus Expenses		$0.00
28												$0.00			0	Total Allowable Deposits x Expense Factor x % Ownership		$0.00
29												$0.00			0	Qualifying Income		$0.00
30												$0.00			0	Tolerance of Allowable Deposits / Gross Revenue must be ≥ 80%		0.00%
31												$0.00			0
32												$0.00			0
33												$0.00			0
34												$0.00			0
35												$0.00			0
36												$0.00			0
37												$0.00			0
38												$0.00			0
39												$0.00			0
40												$0.00			0
41												$0.00			0
42												$0.00			0
43												$0.00			0
44												$0.00			0
45												$0.00			0
46												$0.00			0
47												$0.00			0
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