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Excel

Excel Skills
Skills || Fixed
Fixed Term
Term Deposits
Deposits Template
Template

About
About this
this template
template
This
This template
template enables
enables users
users to
to compile
compile an
an investment
investment account
account statement
statement for
for any
any fixed
fixed term
term deposit.
deposit. The
The investment
investment aa
interest
calculations
that
are
based
on
daily
investment
account
balances
and
capitalized
to
the
investment
account
interest calculations that are based on daily investment account balances and capitalized to the investment account on
on aa
template
provides
for
multiple
investments
of
funds,
withdrawals
of
funds,
interest
payments,
bank
charges,
interest
template provides for multiple investments of funds, withdrawals of funds, interest payments, bank charges, interest rate
rat
accounts
accounts can
can be
be compiled
compiled for
for any
any investment
investment period.
period. The
The template
template uses
uses the
the same
same calculation
calculation methodology
methodology that
that is
is applied
applied bb
and
and can
can therefore
therefore be
be used
used to
to recalculate
recalculate the
the amounts
amounts on
on account
account statements
statements that
that are
are received
received from
from financial
financial institutions
institution
account
account statements
statements for
for informal
informal investments.
investments.
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of the
the fixed
fixed term
term deposits
deposits template.
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y fixed
ny
fixed term
term deposit.
deposit. The
The investment
investment account
account statement
statement includes
includes
pitalized
to
the
investment
account
on
any
user
pitalized to the investment account on any user defined
defined date.
date. The
The
st
st payments,
payments, bank
bank charges,
charges, interest
interest rate
rate changes
changes and
and investment
investment
calculation
calculation methodology
methodology that
that is
is applied
applied by
by most
most financial
financial institutions
institutions
at
at are
are received
received from
from financial
financial institutions
institutions or
or to
to compile
compile investment
investment

ware
ware solutions
solutions than
than regular
regular Excel
Excel templates.
templates. Most
Most Excel
Excel templates
templates
eports
eports based
based on
on limited
limited user
user input.
input. You
You also
also don't
don't need
need advanced
advanced
input
input and
and include
include comprehensive
comprehensive step
step by
by step
step instructions.
instructions.

ee created
created this
this sample
sample to
to enable
enable customers
customers to
to view
view the
the layout
layout and
and
emplate
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of
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Excel Skills | Fixed Term Deposits Template


Instructions
www.excel-skills.com
This template enables users to compile an investment account statement for any fixed term deposit. The investment
account statement includes interest calculations that are based on daily investment account balances and capitalized to
the investment account on any user defined date. The template provides for multiple investments of funds, withdrawal of
funds, interest payments, bank charges, interest rate changes and investment accounts can be compiled for any
investment period.

On
Onthis
thissheet:
sheet:

This
This sheet
sheet includes
includes detailed
detailed instructions
instructions
on
on setting
setting up
up and
and using
using this
this template.
template.

The main purpose of this template is to compile investment accounts and calculate interest based on the same calculation
methodology that is applied by most financial institutions. This template can therefore be used to recalculate the amounts
on account statements that are received from financial institutions and can also be used to compile investment account
statements for informal investments.
Important: If you use this template to compile investment account statements for your clients, the investment account
statement and summary should be converted to a PDF format before being e-mailed to clients. You are not allowed to
send the template in its current file format (Excel file) to your clients because this would fall outside the scope of a single
user license and result in a copyright infringement.

Worksheet Summary
The main purpose of each worksheet is as follows:
TransCode - includes the default transaction types that need to be selected when entering investment account
transactions. Additional transaction types can also be added to the default list of transactions codes.
Statement - all investment account transactions should be recorded on this sheet. All the interest and investment account
balance calculations in this template are based on the transactions that are recorded on this sheet. Note that the
Statement sheet includes 10 columns but only four of these columns require user input (the columns with the yellow
column headings).
Summary - includes a monthly summary of investment account transactions that is calculated from the Statement sheet.
No user input is required on this sheet.
Note: The template includes a lot of complex formulas and has been designed within a specific worksheet structure. We
therefore do not recommend adding additional rows or columns within the existing worksheet framework because it may
result in errors or inaccurate calculations being encountered. If you therefore want to add your own calculations to the
template, we recommend inserting a new worksheet for this purpose.

Transaction Codes
The TransCode sheet contains a list of 6 default transaction types that can be used to record transactions on the
investment account statement. The default transaction types should be left unchanged but you can add additional
transaction types to the list if required. Each of the default transaction types has a specific purpose and if you therefore
change the type of transaction that is associated with the default transaction code, you may encounter inconsistencies in
the template calculations.
All the transaction types on the TransCode sheet are included in list boxes in column B on the Statement sheet. Additional
transaction types that are added to the default list of transaction types are also available for selection from these list
boxes. You will therefore be able to enter the transactions relating to these transaction types on the Statement sheet but
note that all transaction types with transaction codes greater than or equal to 7 are grouped together in one column on the
Summary sheet (column H).

Page 3 of 21

This is the only


protected sheet in the
full version of the
template!

Excel Skills | Fixed Term Deposits Template


Instructions
www.excel-skills.com
Investment Account Transactions
On
Onthis
thissheet:
sheet:

All investment account transactions need to be recorded on the Statement sheet. This sheet includes 10 columns but only
four of these columns require user input (columns with a yellow column heading). The columns with light blue column
headings contain formulas that should be copied for all new transactions that are recorded.
When you therefore record any transaction, you will need to enter a date (in column A), select a transaction type from the
list box in column B, copy the formula in column C, enter a new interest rate (only if an interest rate change transaction is
being recorded, otherwise enter 0%), enter a transaction amount in column E and copy all the formulas from column F to J
from one of the existing rows.
Note: After recording a few transactions, it may be more efficient to copy a transaction that was previously recorded, paste
it into the next empty row and simply change the date, transaction code (if required), interest rate and amount in order to
record a new transaction that is similar to the transaction that was copied.
The following important guidelines should be followed when recording transactions on the Statement sheet:
The first transaction that should be recorded on this sheet should always be an interest rate change transaction
(transaction type 5) and this transaction should be recorded on the same date as the first transaction on your investment
account statement. The interest rate that is applicable to the investment should be entered in column D and the
transaction amount in column E should be nil (the transaction amount for all interest rate change transactions should
always be nil). This entry establishes the interest rate that should be used to calculate interest from the beginning of the
investment period.
All the transactions that are recorded on the Statement sheet should form part of a continuous cell range. There should
therefore be no empty rows between transactions, otherwise the investment account balances and therefore also the
interest calculations will be inaccurate.
All transactions should be recorded or sorted in an ascending date sequence (oldest transactions first). You'll notice that if
you enter a transaction that is out of sequence, the transaction date will be highlighted in red. This error can be corrected
by simply sorting all the transactions on the Statement sheet in an ascending order by the date in the first column. By
sorting the transactions in the correct order, you will ensure that the date sequence is rectified and that all interest
calculations are accurate.
Interest is only capitalized to the investment
type 4). The transaction amount in column
performed automatically through the formula
transaction type 4 - if you therefore enter
investment account.

account when you record an interest capitalization transaction (transaction


E should be nil because the monthly interest capitalization calculation is
that has been entered in column F. This interest calculation only applies to
the incorrect transaction type, the interest will not be capitalized to the

It is imperative that you don't replace any of the formulas in the columns with light blue column headings with alternative
values because it will result in inaccurate calculations. We recommend that you save the template under a default file
name after downloading it and save each investment account under a different file name. You will then be able to revert
back to the original template if you delete any of the formulas by accident.
All transaction amounts except for withdrawals of funds, bank charges and interest payments should be entered as
positive values. Withdrawals, bank charges and interest payments should be entered as negative values - if you enter
positive values for any of these transactions, the transaction amounts will be highlighted in orange.
The following section covers the default transaction types that should be recorded on the Statement sheet:
Investment of Funds

The Investments of Funds transaction type should be used for all deposits of funds into the investment account. This
includes the initial investment of funds and all subsequent deposits into the investment account. You can record as many
investments of funds as required by simply entering the appropriate transaction date, selecting transaction type 1 and
entering the appropriate amount in the Transaction Amount column (column E). All investments of funds should be entered
as positive amounts. If you enter a negative amount, the amount will be highlighted in orange until the error is rectified.

Page 4 of 21

This
This sheet
sheet includes
includes detailed
detailed instructions
instructions
on
on setting
setting up
up and
and using
using this
this template.
template.

Excel Skills | Fixed Term Deposits Template


Instructions
www.excel-skills.com
Withdrawal of Funds
On
Onthis
thissheet:
sheet:

Any withdrawal of a capital amount from the investment should be recorded by using transaction type 2. Note that capital
withdrawals exclude bank charges and interest payments. Withdrawals need to be recorded by entering the appropriate
transaction date, selecting transaction type 2 from the list box in column B and entering the withdrawal amount as a
negative value in the Transaction amount column. If you enter a positive amount, the amount will be highlighted in orange
until the error is rectified.
Bank Charges
All bank charges should be recorded by entering the appropriate transaction date, selecting transaction type 3 from the list
box in column B and entering the appropriate amount as a negative value in the Transaction amount column. If you enter
a positive amount, the amount will be highlighted in orange until the error is rectified.
Interest Capitalization
The interest calculations in this template are based on the daily investment account balances. All transactions except for
interest capitalization transactions are included in the daily investment account balance as if the transactions occurred at
the beginning of the day. Interest capitalization transactions are deemed to occur at the end of the transaction day. This
means that the day on which the interest capitalization transaction is recorded is included in the interest that is calculated.
This principle is best explained by way of an example.
Example: If we assume that the previous interest capitalization occurred on the 28th of February and a withdrawal of funds
transaction is entered on the 5th of March, a bank charge transaction is recorded on the 25 of March and an interest
capitalization transaction is recorded on the 28th of March, the following days will be included in the appropriate interest
calculations:
the withdrawal of funds transaction will be deducted from the closing account balance of the 4th of March and interest on
this balance will be calculated for 20 days (the 24th minus the 4th). Note that a transaction date of the 4th is used in the
calculation because it is deemed that the withdrawal occurred at the beginning of the 5th and the transaction amount
therefore effectively forms part of the closing balance on the 4th.
the previous month's closing balance will be included in the interest calculation of the current month for 4 days.
similarly, the bank charge transaction (recorded on the 25th) is deemed to have formed part of the closing balance of the
24th - this is why we deducted the 4th from the 24th and not the 25th.
interest capitalization transactions are however deemed to have occurred at the end of the transaction day. The interest
calculation on the day that the interest capitalization transaction is processed (the 28th) will therefore be based on 4 days
(the 28th minus the 24th) even though the bank charge transaction was recorded on the 25th.
if you add up the three interest calculations, you'll notice that the interest calculations covered the full 28 day period up to
the 28th of March.
All interest calculations are automatically performed based on the transactions that are recorded on the Statement sheet.
As we've mentioned before, it is imperative that all transactions are recorded in the correct date sequence (ascending date
order), otherwise the interest calculations may not be accurate. Interest is calculated by applying the appropriate interest
rate to the previous transaction's closing balance and based on the number of days that is calculated by applying the
transaction date principles that we've just explained.
The calculated interest accrual is only capitalized to the investment account when you enter an interest
capitalization transaction. Note that if you don't record this type of transaction on the investment account, no
interest will be capitalized to the investment account and your investment account statement will not be accurate!
It is therefore imperative that you add an interest capitalization transaction to the Statement sheet on all the
appropriate interest capitalization dates.

Page 5 of 21

This
This sheet
sheet includes
includes detailed
detailed instructions
instructions
on
on setting
setting up
up and
and using
using this
this template.
template.

Excel Skills | Fixed Term Deposits Template


Instructions
www.excel-skills.com
Interest can be capitalized on any date whether it is a month end date or any other day of the month. You can
therefore capitalize interest on the last day of each month by simply entering an interest capitalization transaction
on the last day of each month or you can capitalize interest on (say) the 27th of each month by simply entering an
interest capitalization transaction on the 27th of each month. The template automatically calculates the days that
should be included in the interest calculation based on the date of the previous transaction that has been
recorded.
Interest capitalization transactions can be recorded by entering the transaction date, selecting transaction type 4 and
entering a nil amount in the Transaction Amount column. The amount of interest that will be capitalized is calculated in
column F and is automatically added to the investment account balance in column G.
Note: When entering an interest capitalization transaction, you should not enter a transaction amount in column E. If you
enter any value other than a nil value, the value will be highlighted in orange until the error is rectified.
Note: If the interest that is earned on an investment account is paid out at regular intervals, you should still
record the appropriate interest capitalization transactions and also record the interest payments by using
transaction type 6. All interest payments should be recorded as negative amounts and will be included in a
separate column on the Summary sheet. If you record an interest payment as a positive value, the amount will be
highlighted in orange until the error is rectified.
Interest Rate Changes
This template accommodates an unlimited number of interest rate changes. An interest rate change can be recorded on
the Statement sheet by simply entering the effective date of the interest rate change in column A, selecting transaction
type 5, entering the appropriate new interest rate in column D and entering a nil amount in the Transaction Amount
column. You'll notice that the interest rate in column H (used in all interest calculations) changes to the new interest rate
that has been recorded. Interest on all subsequent transactions will be calculated based on the new interest rate (until the
next interest rate change transaction is recorded).
Note: When entering an interest rate change transaction, you should not enter a transaction amount in column E. If you
enter any value other than a nil value, the value will be highlighted in orange until the error is rectified.
As we've mentioned before, the first transaction that should be recorded on the Statement sheet is an interest
rate change transaction. This transaction establishes the interest rate that should be used to calculate interest
from the beginning of the investment period. If you omit this transaction, the interest rate that will be used to
calculate interest on the initial investment account balance will be nil and no interest will therefore be calculated
and capitalized to the investment account until an interest rate is defined.
Interest rate changes can only be recorded by using transaction type 5 - if you enter a new interest rate in column D and
select any other transaction type, the interest rate change will not have any effect on the interest calculations. We have
added conditional formatting to column D to highlight all input errors in orange.
Other Charges
As we've mentioned before, you can add additional transaction types to the TransCode sheet and select the appropriate
transaction types from the list box in column B on the Statement sheet when recording transactions. All additional
transaction types will be included in a single column (column H) on the Summary sheet.

Investment Account Statement


All investment account transactions should be entered on the Statement sheet in accordance with the guidance provided
in the previous section. After reading through the previous section, you should therefore be able to record all the
appropriate transactions on the Statement sheet and we'll now provide guidance on the calculated columns (columns with
a light blue column heading) on this sheet.

Page 6 of 21

On
Onthis
thissheet:
sheet:

This
This sheet
sheet includes
includes detailed
detailed instructions
instructions
on
on setting
setting up
up and
and using
using this
this template.
template.

Excel Skills | Fixed Term Deposits Template


Instructions
www.excel-skills.com
The transaction description in column C has been included on the Statement sheet so that it is easy to identify the
transaction types that are selected from the list boxes in column B. The list boxes only include the transaction type
numbers - we've therefore included the description in column C to enable users to review the transaction type that has
been selected.
The capitalized interest in column F represents the amount of interest that is capitalized to the investment account on the
appropriate transaction date. As we've mentioned before, an interest capitalization amount will only be calculated if
transaction type 4 is selected in column B.
This amount is the total of all the accrued interest amounts in column J since the previous interest capitalization
transaction. The accrued interest is calculated based on the interest rate in column H, the interest days in column I and the
previous transaction's closing balance in column G. The investment account balance on each transaction date is
calculated in column G.

Investment Account Summary


The Summary sheet includes a complete breakdown of the movements on the investment account for all monthly periods.
All the totals on this sheet are calculated from the transactions that are entered on the Statement sheet. No user input is
required on this sheet - users are simply required to copy the formulas in the existing rows to the appropriate number of
new rows in order to add the required number of monthly periods to the summary.
The first monthly period on the Summary sheet is determined by the transaction date of the first transaction on the
Statement sheet. The transaction date in row 4 on the Statement sheet therefore determines which monthly period is
displayed in the first row on the Summary sheet. All subsequent monthly periods on the Summary sheet are calculated
based on the first monthly period.
The Investment of Funds column is calculated based on all the transactions with a transaction type of 1 on the Statement
sheet. Withdrawals of funds (transaction type 2), bank charges (transaction type 3), interest capitalization (transaction type
4), interest payments (transaction type 6) and other charges (all transaction types greater than 6 that have been added to
the TransCode sheet) are also calculated based on the transaction types of the transactions that are recorded on the
Statement sheet.
As we've mentioned before, interest is only capitalized to the investment account when an interest capitalization
transaction is recorded on the Statement sheet. If you therefore note that a nil value is displayed for any monthly period in
the Interest Capitalized column (column F), it means that an interest capitalization transaction has not been recorded on
the Statement sheet for the particular month. If an interest amount should have been capitalized, you can simply record
the transaction on the appropriate transaction date
The Summary sheet can be used to analyze the movements on an investment account on a monthly basis. It is therefore
an extremely useful tool for reviewing the investment account transaction and balance history.

Help & Customization


If you experience any difficulty while using this template and you are not able to find the appropriate guidance in these
instructions, please e-mail us at support@excel-skills.com for assistance. This template has been designed with flexibility
in mind to ensure that it can be used in most business environments. If however you need an Excel based template that is
customized specifically for your business requirements, please e-mail our Support function and provide a brief explanation
of your requirements.

Page 7 of 21

On
Onthis
thissheet:
sheet:

This
This sheet
sheet includes
includes detailed
detailed instructions
instructions
on
on setting
setting up
up and
and using
using this
this template.
template.

Excel Skills | Fixed Term Deposits Template


Instructions
www.excel-skills.com
Copyright
On
Onthis
thissheet:
sheet:

This template remains the intellectual property of www.excel-skills.com and is protected by international copyright laws.
Any publication or distribution of this template outside the scope of the permitted use of the template is expressly
prohibited. In terms of the permitted use of this template, only the distribution of the template to persons within the same
organisation as the registered user or persons outside the organisation who can reasonably be expected to require access
to the template as a direct result of the use of the template by the registered user is allowed. Subsequent distribution of
the template by parties outside of the organisation is however expressly prohibited and represents an infringement of
international copyright laws.

Page 8 of 21

This
This sheet
sheet includes
includes detailed
detailed instructions
instructions
on
on setting
setting up
up and
and using
using this
this template.
template.

Transaction Codes
Code

Transaction Type

Investment of Funds

Withdrawal of Funds

Bank Charges

Interest Capitalized

Interest Rate Change

Interest Paid

On
On this
this sheet:
sheet:

This
This sheet
sheet includes
includes the
the default
default investment
investment account
account transaction
transaction
types.
types. Additional
Additional transaction
transaction types
types can
can be
be added
added to
to the
the list
list by
by
entering
entering the
the new
new codes
codes below
below the
the last
last default
default code.
code. The
The transaction
transaction
types
types that
that are
are entered
entered on
on this
this sheet
sheet are
are included
included in
in aa list
list box
box on
on the
the
Statement
Statement sheet.
sheet.

Page 9 of 21

Investment Account Statement


www.excel-skills.com

Date

Code

Transaction Description

New Interest
Rate

Transaction
Amount
-

Capitalized
Interest

Interest
Rate

Accrued
Interest

Interest Rate Change

7.40%

7.40%

9/27/2009

Investment of Funds

0.00%

250,000.00

250,000.00

7.40%

10/25/2009

Bank Charges

0.00%

-42.00

249,958.00

7.40%

28

1,419.18

10/27/2009

Interest Capitalized

0.00%

251,529.21

7.40%

152.03

11/5/2009

Withdrawal of Funds

0.00%

-30,000.00

221,529.21

7.40%

407.96

11/25/2009

Bank Charges

0.00%

-42.00

221,487.21

7.40%

20

898.26

11/27/2009

Interest Capitalized

0.00%

222,928.14

7.40%

134.71

12/25/2009

Bank Charges

0.00%

222,886.14

7.40%

27

1,220.30

12/27/2009

Interest Capitalized

0.00%

224,242.00

7.40%

135.56

1/25/2010

Bank Charges

0.00%

224,196.00

7.40%

28

1,272.96

1/27/2010

Interest Capitalized

0.00%

225,605.32

7.40%

136.36

2/25/2010

Bank Charges

0.00%

225,559.32

7.40%

28

1,280.70

2/27/2010

Interest Capitalized

0.00%

226,977.20

7.40%

137.19

3/15/2010

Investment of Funds

0.00%

50,000.00

276,977.20

7.40%

15

690.26

3/25/2010

Bank Charges

0.00%

-46.00

276,931.20

7.40%

10

561.54

3/26/2010

Interest Rate Change

6.90%

276,931.20

6.90%

56.14

3/27/2010

Interest Capitalized

0.00%

278,343.85

6.90%

104.70

4/25/2010

Bank Charges

0.00%

278,297.85

6.90%

28

1,473.32

4/27/2010

Interest Capitalized

0.00%

279,929.00

6.90%

157.83

5/5/2010

Withdrawal of Funds

0.00%

-13,000.00

266,929.00

6.90%

370.43

5/25/2010

Bank Charges

0.00%

-46.00

266,883.00

6.90%

20

1,009.21

5/27/2010

Interest Capitalized

0.00%

268,413.99

6.90%

151.36

6/25/2010

Bank Charges

0.00%

268,367.99

6.90%

28

1,420.76

6/27/2010

Interest Capitalized

0.00%

269,940.95

6.90%

152.20

7/25/2010

Bank Charges

0.00%

269,894.95

6.90%

27

1,377.81

7/27/2010

Interest Capitalized

0.00%

271,425.82

6.90%

153.06

8/25/2010

Bank Charges

0.00%

271,379.82

6.90%

28

1,436.70

8/27/2010

Interest Capitalized

0.00%

9/12/2010

Interest Rate Change

6.40%

9/25/2010

Bank Charges

0.00%

-42.00
-46.00
-46.00
-

-46.00
-

-46.00
-46.00
-46.00

-46.00

Page 10 of 21

1,571.21

1,440.93
1,355.87
1,409.32
1,417.89

1,412.65
1,631.15

1,530.99
1,572.95
1,530.87
1,590.60

Interest
Days

9/27/2009

Account
Balance

272,970.42

6.90%

153.91

272,970.42

6.40%

15

774.04

272,924.42

6.40%

13

622.22

Investment Account Statement


www.excel-skills.com

Date

Code

Transaction Description

New Interest
Rate

Transaction
Amount

9/27/2010

Interest Capitalized

0.00%

10/25/2010

Bank Charges

0.00%

10/27/2010

Interest Capitalized

0.00%

11/10/2010

Interest Rate Change

5.90%

11/25/2010

Bank Charges

0.00%

11/27/2010

Interest Capitalized

0.00%

12/25/2010

Bank Charges

0.00%

12/27/2010

Interest Capitalized

0.00%

1/25/2011

Bank Charges

0.00%

1/27/2011

Interest Capitalized

0.00%

2/25/2011

Bank Charges

0.00%

2/27/2011

Interest Capitalized

0.00%

3/25/2011

Bank Charges

0.00%

3/27/2011

Interest Capitalized

0.00%

4/25/2011

Bank Charges

0.00%

4/27/2011

Interest Capitalized

0.00%

5/25/2011

Bank Charges

0.00%

5/27/2011

Interest Capitalized

0.00%

6/25/2011

Bank Charges

0.00%

6/27/2011

Interest Capitalized

0.00%

7/25/2011

Bank Charges

0.00%

7/27/2011

Interest Capitalized

0.00%

8/25/2011

Bank Charges

0.00%

8/27/2011

Interest Capitalized

0.00%

9/25/2011

Bank Charges

0.00%

9/27/2011

Interest Capitalized

0.00%

10/25/2011

Bank Charges

0.00%

10/27/2011

Interest Capitalized

0.00%

11/25/2011

Bank Charges

0.00%

11/27/2011

Interest Capitalized

0.00%

-46.00

-46.00
-46.00
-50.00
-50.00
-50.00
-50.00
-50.00
-50.00
-50.00
-50.00
-50.00
-50.00
-50.00
-

Page 11 of 21

Capitalized
Interest
1,539.83
1,443.73

Account
Balance

Interest
Rate

Interest
Days

Accrued
Interest

274,464.25

6.40%

143.57

274,418.25

6.40%

27

1,299.38

275,861.98

6.40%

144.35

275,861.98

5.90%

13

628.81

275,815.98

5.90%

15

668.87

277,247.42

5.90%

133.75

277,201.42

5.90%

27

1,210.01

278,545.86

5.90%

134.42

278,495.86

5.90%

28

1,260.71

279,891.62

5.90%

135.05

279,841.62

5.90%

28

1,266.80

281,244.12

5.90%

135.70

281,194.12

5.90%

25

1,136.53

282,467.01

5.90%

136.36

282,417.01

5.90%

28

1,278.45

283,832.42

5.90%

136.95

283,782.42

5.90%

27

1,238.75

285,158.79

5.90%

137.62

285,108.79

5.90%

28

1,290.64

286,537.68

5.90%

138.26

286,487.68

5.90%

27

1,250.56

287,877.17

5.90%

138.93

287,827.17

5.90%

28

1,302.94

289,269.68

5.90%

139.58

289,219.68

5.90%

28

1,309.24

290,669.18

5.90%

140.25

290,619.18

5.90%

27

1,268.59

292,028.70

5.90%

140.93

291,978.70

5.90%

28

1,321.73

293,442.02

5.90%

141.59

1,431.44
1,344.44
1,395.76
1,402.50
1,272.89
1,415.41
1,376.37
1,428.89
1,389.49
1,442.52
1,449.49
1,409.52
1,463.32

Investment Account Statement


www.excel-skills.com

Date

Code

Transaction Description

New Interest
Rate

12/25/2011

Bank Charges

0.00%

12/27/2011

Interest Capitalized

0.00%

1/25/2012

Bank Charges

0.00%

1/27/2012

Interest Capitalized

0.00%

2/25/2012

Bank Charges

0.00%

2/27/2012

Interest Capitalized

0.00%

3/25/2012

Bank Charges

0.00%

3/27/2012

Interest Capitalized

0.00%

4/25/2012

Bank Charges

0.00%

4/27/2012

Interest Capitalized

0.00%

5/25/2012

Bank Charges

0.00%

5/27/2012

Interest Capitalized

0.00%

6/25/2012

Bank Charges

0.00%

6/27/2012

Interest Capitalized

0.00%

7/25/2012

Bank Charges

0.00%

7/27/2012

Interest Capitalized

0.00%

8/25/2012

Bank Charges

0.00%

8/27/2012

Interest Capitalized

0.00%

9/25/2012

Bank Charges

0.00%

9/27/2012

Interest Capitalized

0.00%

10/25/2012

Bank Charges

0.00%

10/27/2012

Interest Capitalized

0.00%

11/25/2012

Bank Charges

0.00%

11/27/2012

Interest Capitalized

0.00%

12/25/2012

Bank Charges

0.00%

12/27/2012

Interest Capitalized

0.00%

1/25/2013

Bank Charges

0.00%

1/27/2013

Interest Capitalized

0.00%

2/25/2013

Bank Charges

0.00%

2/27/2013

Interest Capitalized

0.00%

Transaction
Amount
-50.00
-56.00
-56.00
-56.00
-56.00
-56.00
-56.00
-56.00
-56.00
-56.00
-56.00
-56.00
-56.00
-60.00
-60.00
-

Page 12 of 21

Capitalized
Interest
1,422.97
1,477.28
1,484.40
1,395.33
1,498.27
1,456.93
1,512.52
1,470.79
1,526.90
1,534.28
1,491.95
1,548.88
1,506.15
1,563.62
1,571.16

Account
Balance

Interest
Rate

Interest
Days

Accrued
Interest

293,392.02

5.90%

27

294,814.99

5.90%

1,280.69
142.28

294,758.99

5.90%

28

1,334.34

296,236.27

5.90%

142.94

296,180.27

5.90%

28

1,340.77

297,664.67

5.90%

143.63

297,608.67

5.90%

26

1,251.01

299,004.00

5.90%

144.32

298,948.00

5.90%

28

1,353.30

300,446.26

5.90%

144.97

300,390.26

5.90%

27

1,311.26

301,847.20

5.90%

145.67

301,791.20

5.90%

28

1,366.17

303,303.71

5.90%

146.35

303,247.71

5.90%

27

1,323.73

304,718.50

5.90%

147.05

304,662.50

5.90%

28

1,379.16

306,189.41

5.90%

147.74

306,133.41

5.90%

28

1,385.82

307,667.68

5.90%

148.45

307,611.68

5.90%

27

1,342.78

309,103.63

5.90%

149.17

309,047.63

5.90%

28

1,399.01

310,596.51

5.90%

149.87

310,540.51

5.90%

27

1,355.56

312,046.66

5.90%

150.59

311,986.66

5.90%

28

1,412.33

313,550.29

5.90%

151.29

313,490.29

5.90%

28

1,419.14

315,061.45

5.90%

152.02

Investment Account Statement


www.excel-skills.com

Date

Code

Transaction Description

New Interest
Rate

Transaction
Amount

3/25/2013

Bank Charges

0.00%

3/27/2013

Interest Capitalized

0.00%

-60.00

4/25/2013

Bank Charges

0.00%

4/27/2013

Interest Capitalized

0.00%

5/25/2013

Bank Charges

0.00%

5/27/2013

Interest Capitalized

0.00%

6/25/2013

Bank Charges

0.00%

6/27/2013

Interest Capitalized

0.00%

7/25/2013

Bank Charges

0.00%

7/27/2013

Interest Capitalized

0.00%

8/25/2013

Bank Charges

0.00%

8/27/2013

Interest Capitalized

0.00%

9/25/2013

Bank Charges

0.00%

9/27/2013

Interest Capitalized

0.00%

10/25/2013

Bank Charges

0.00%

10/27/2013

Interest Capitalized

0.00%

11/25/2013

Bank Charges

0.00%

11/27/2013

Interest Capitalized

0.00%

12/25/2013

Bank Charges

0.00%

12/27/2013

Interest Capitalized

0.00%

1/25/2014

Bank Charges

0.00%

1/27/2014

Interest Capitalized

0.00%

1/27/2014

Interest Rate Change

6.40%

2/25/2014

Bank Charges

0.00%

2/27/2014

Interest Capitalized

0.00%

3/25/2014

Bank Charges

0.00%

3/27/2014

Interest Capitalized

0.00%

4/25/2014

Bank Charges

0.00%

4/27/2014

Interest Capitalized

0.00%

5/25/2014

Bank Charges

0.00%

-60.00
-60.00
-60.00
-60.00
-60.00
-60.00
-60.00
-60.00
-60.00
-65.00

-65.00
-65.00
-65.00
-65.00

Page 13 of 21

Capitalized
Interest
1,425.95
1,585.58
1,541.83
1,600.65
1,556.48
1,615.86
1,623.66
1,578.87
1,639.11
1,593.89
1,654.70

Account
Balance

Interest
Rate

Interest
Days

Accrued
Interest

315,001.45

5.90%

25

316,427.39

5.90%

1,273.19
152.75

316,367.39

5.90%

28

1,432.16

317,952.97

5.90%

153.42

317,892.97

5.90%

27

1,387.67

319,434.79

5.90%

154.16

319,374.79

5.90%

28

1,445.77

320,975.44

5.90%

154.87

320,915.44

5.90%

27

1,400.86

322,471.92

5.90%

155.62

322,411.92

5.90%

28

1,459.52

324,027.79

5.90%

156.35

323,967.79

5.90%

28

1,466.56

325,591.45

5.90%

157.10

325,531.45

5.90%

27

1,421.01

327,110.31

5.90%

157.86

327,050.31

5.90%

28

1,480.51

328,689.42

5.90%

158.60

328,629.42

5.90%

27

1,434.53

330,223.31

5.90%

159.36

330,158.31

5.90%

28

1,494.60

331,813.01

5.90%

160.10

331,813.01

6.40%

-1

-53.64

331,748.01

6.40%

29

1,687.25

333,556.13

6.40%

174.51

333,491.13

6.40%

25

1,462.16

335,128.72

6.40%

175.43

335,063.72

6.40%

28

1,645.34

336,885.32

6.40%

176.25

336,820.32

6.40%

27

1,594.90

1,808.12
1,637.59
1,821.60
-

Investment Account Statement


www.excel-skills.com

Date

Code

Transaction Description

New Interest
Rate

Transaction
Amount

5/27/2014

Interest Capitalized

0.00%

6/25/2014

Bank Charges

0.00%

6/27/2014

Interest Capitalized

0.00%

7/18/2014

Interest Rate Change

6.65%

7/25/2014

Bank Charges

0.00%

7/27/2014

Interest Capitalized

0.00%

8/25/2014

Bank Charges

0.00%

8/27/2014

Interest Capitalized

0.00%

9/25/2014

Bank Charges

0.00%

9/27/2014

Interest Capitalized

0.00%

10/25/2014

Bank Charges

0.00%

10/27/2014

Interest Capitalized

0.00%

11/25/2014

Bank Charges

0.00%

11/27/2014

Interest Capitalized

0.00%

12/25/2014

Bank Charges

0.00%

12/27/2014

Interest Capitalized

0.00%

1/25/2015

Bank Charges

0.00%

1/27/2015

Interest Capitalized

0.00%

2/25/2015

Bank Charges

0.00%

2/27/2015

Interest Capitalized

0.00%

3/25/2015

Bank Charges

0.00%

3/27/2015

Interest Capitalized

0.00%

4/25/2015

Bank Charges

0.00%

4/27/2015

Interest Capitalized

0.00%

5/25/2015

Bank Charges

0.00%

5/27/2015

Interest Capitalized

0.00%

6/25/2015

Bank Charges

0.00%

6/27/2015

Interest Capitalized

0.00%

7/24/2015

Interest Rate Change

6.90%

7/25/2015

Bank Charges

0.00%

-65.00

-65.00
-65.00
-65.00
-65.00
-65.00
-65.00
-70.00
-70.00
-70.00
-70.00
-70.00
-70.00

-70.00

Page 14 of 21

Capitalized
Interest
1,772.07
1,840.42

Account
Balance

Interest
Rate

Interest
Days

Accrued
Interest

338,592.39

6.40%

177.18

338,527.39

6.40%

28

1,662.35

340,367.82

6.40%

178.07

340,367.82

6.65%

20

1,193.62

340,302.82

6.65%

434.09

342,116.52

6.65%

186.00

342,051.52

6.65%

28

1,745.26

343,983.74

6.65%

186.96

343,918.74

6.65%

28

1,754.79

345,861.51

6.65%

187.98

345,796.51

6.65%

27

1,701.35

347,686.87

6.65%

189.00

347,621.87

6.65%

28

1,773.68

349,585.55

6.65%

190.00

349,520.55

6.65%

27

1,719.67

351,431.26

6.65%

191.04

351,361.26

6.65%

28

1,792.78

353,346.09

6.65%

192.05

353,276.09

6.65%

28

1,802.55

355,271.73

6.65%

193.09

355,201.73

6.65%

25

1,618.19

357,014.06

6.65%

194.14

356,944.06

6.65%

28

1,821.26

358,960.42

6.65%

195.10

358,890.42

6.65%

27

1,765.79

360,852.37

6.65%

196.16

360,782.37

6.65%

28

1,840.84

1,813.71
1,932.22
1,942.77
1,890.36
1,963.68
1,910.71
1,984.83
1,995.64
1,812.33
2,016.36
1,961.95
2,038.04

362,820.41

6.65%

197.19

362,820.41

6.90%

26

1,718.68

362,750.41

6.90%

68.59

Investment Account Statement


www.excel-skills.com

Date

Code

Transaction Description

New Interest
Rate

Transaction
Amount

7/27/2015

Interest Capitalized

0.00%

8/25/2015

Bank Charges

0.00%

8/27/2015

Interest Capitalized

0.00%

9/25/2015

Bank Charges

0.00%

9/27/2015

Interest Capitalized

0.00%

10/25/2015

Bank Charges

0.00%

10/27/2015

Interest Capitalized

0.00%

11/20/2015

Interest Rate Change

7.15%

11/25/2015

Bank Charges

0.00%

11/27/2015

Interest Capitalized

0.00%

12/25/2015

Bank Charges

0.00%

12/27/2015

Interest Capitalized

0.00%

1/25/2016

Bank Charges

0.00%

1/27/2016

Interest Capitalized

0.00%

1/29/2016

Interest Rate Change

7.40%

2/25/2016

Bank Charges

0.00%

2/27/2016

Interest Capitalized

0.00%

3/18/2016

Interest Rate Change

7.65%

3/25/2016

Bank Charges

0.00%

3/27/2016

Interest Capitalized

0.00%

4/25/2016

Bank Charges

0.00%

4/27/2016

Interest Capitalized

0.00%

5/25/2016

Bank Charges

0.00%

5/27/2016

Interest Capitalized

0.00%

6/25/2016

Bank Charges

0.00%

6/27/2016

Interest Capitalized

0.00%

On
Onthis
this sheet:
sheet:

-70.00
-70.00
-70.00

-70.00
-70.00
-76.00

-76.00

-76.00
-76.00
-76.00
-76.00
-

Capitalized
Interest
1,992.99
2,137.46
2,149.57
2,092.02

Account
Balance

Interest
Rate

Interest
Days

Accrued
Interest

364,743.39

6.90%

205.72

364,673.39

6.90%

28

1,930.64

366,810.85

6.90%

206.81

366,740.85

6.90%

28

1,941.59

368,890.42

6.90%

207.99

368,820.42

6.90%

27

1,882.86

370,912.45

6.90%

209.17

370,912.45

7.15%

23

1,612.71

370,842.45

7.15%

363.29

373,036.38

7.15%

217.93

372,966.38

7.15%

27

1,973.00

375,158.57

7.15%

219.18

375,082.57

7.15%

28

2,057.72

377,360.71

7.15%

220.43

377,360.71

7.40%

73.92

377,284.71

7.40%

27

2,065.66

379,653.76

7.40%

229.47

379,653.76

7.65%

19

1,462.45

379,577.76

7.65%

557.00

381,835.88

7.65%

238.67

381,759.88

7.65%

28

2,240.80

384,240.72

7.65%

240.04

384,164.72

7.65%

27

2,174.38

386,580.65

7.65%

241.55

386,504.65

7.65%

28

2,268.65

389,016.32

7.65%

243.02

2,193.93
2,192.19
2,278.14

2,369.06

2,258.11
2,480.84
2,415.93
2,511.67

All
All investment
investment account
account transactions
transactions should
should be
be recorded
recorded on
on this
this sheet
sheet in
in order
order to
to calculate
calculate the
the
investment
investment account
account statement
statement balances.
balances. The
The calculations
calculations on
on this
this sheet
sheet accommodate
accommodate an
an unlimited
unlimited
number
number of
of interest
interest rate
rate changes
changes and
and facilitate
facilitate daily
daily interest
interest calculations.
calculations. Investment
Investment account
account balances
balances
are
are calculated
calculated and
and displayed
displayed on
on all
all transaction
transaction dates.
dates. User
User input
input is
is limited
limited to
to entering
entering the
the transaction
transaction
date,
and
date, transaction
transaction code,
code, new
new interest
interest rate
rate (only
(only for
for interest
interest rate
rate changes)
changes)
and the
the transaction
transaction amount.
amount. All
All
Page 15 of 21
the
the columns
columns with
with aa light
light blue
blue column
column heading
heading contain
contain formulas
formulas that
that should
should be
be copied
copied for
for all
all new
new
transactions
transactions that
that are
are recorded
recorded on
on this
this sheet.
sheet.

Investment Account Statement


www.excel-skills.com
On this sheet:

On this
sheet:
New
Interest
Transaction
Capitalized
Account
All
investment
account
transactions
this
to
AllCode
investment
accountDescription
transactions should
should be
be recorded
recorded on
onAmount
this sheet
sheet in
in order
order
to calculate
calculate the
the
Date
Transaction
Rate
Interest
Balance
investment
account
statement
balances.
The
calculations
on
this
sheet
accommodate
an
unlimited
investment account statement balances. The calculations on this sheet accommodate an unlimited
number
number of
of interest
interest rate
rate changes
changes and
and facilitate
facilitate daily
daily interest
interest calculations.
calculations. Investment
Investment account
account balances
balances
are
are calculated
calculated and
and displayed
displayed on
on all
all transaction
transaction dates.
dates. User
User input
input is
is limited
limited to
to entering
entering the
the transaction
transaction
date,
date, transaction
transaction code,
code, new
new interest
interest rate
rate (only
(only for
for interest
interest rate
rate changes)
changes) and
and the
the transaction
transaction amount.
amount. All
All
the
columns
with
a
light
blue
column
heading
contain
formulas
that
should
be
copied
for
the columns with a light blue column heading contain formulas that should be copied for all
all new
new
transactions
transactions that
that are
are recorded
recorded on
on this
this sheet.
sheet.

Page 16 of 21

Interest
Rate

Interest
Days

Accrued
Interest

Investment Summary
www.excel-skills.com
Total Investment of Funds

300,000.00

Total Interest Capitalized

Total Withdrawal of Funds

-43,000.00

Total Interest Paid

-4,746.00

Total Other Costs

Total Bank Charges

Month
Sep-2009

Opening
Balance

Investment of Withdrawal of
Funds
Funds
-

250,000.00

Interest
Capitalized

Closing
Balance

250,000.00

251,529.21

-42.00

1,440.93

222,928.14

-42.00

1,355.87

224,242.00

-46.00

1,409.32

225,605.32

-46.00

1,417.89

226,977.20

-46.00

1,412.65

278,343.85

-46.00

1,631.15

279,929.00

-46.00

1,530.99

268,413.99

-46.00

1,572.95

269,940.95

-46.00

1,530.87

271,425.82

-46.00

1,590.60

272,970.42

272,970.42

-46.00

1,539.83

274,464.25

Oct-2010

274,464.25

-46.00

1,443.73

275,861.98

Nov-2010

275,861.98

-46.00

1,431.44

277,247.42

Dec-2010

277,247.42

-46.00

1,344.44

278,545.86

Jan-2011

278,545.86

-50.00

1,395.76

279,891.62

Feb-2011

279,891.62

-50.00

1,402.50

281,244.12

Mar-2011

281,244.12

-50.00

1,272.89

282,467.01

Apr-2011

282,467.01

-50.00

1,415.41

283,832.42

May-2011

283,832.42

-50.00

1,376.37

285,158.79

Jun-2011

285,158.79

-50.00

1,428.89

286,537.68

Nov-2009

251,529.21

Dec-2009

222,928.14

Jan-2010

224,242.00

Feb-2010

225,605.32

Mar-2010

226,977.20

Apr-2010

278,343.85

May-2010

279,929.00

Jun-2010

268,413.99

Jul-2010

269,940.95

Aug-2010

271,425.82

Sep-2010

50,000.00

-30,000.00

-13,000.00

Page 17 of 21

Other
Charges

1,571.21

250,000.00

Interest
Paid

-42.00

Oct-2009

Bank
Charges

136,762.32

Investment Summary
www.excel-skills.com
Total Investment of Funds

300,000.00

Total Interest Capitalized

Total Withdrawal of Funds

-43,000.00

Total Interest Paid

-4,746.00

Total Other Costs

Total Bank Charges

Month

Opening
Balance

Investment of Withdrawal of
Funds
Funds

Bank
Charges

136,762.32

Interest
Capitalized

Interest
Paid

Other
Charges

Closing
Balance

Jul-2011

286,537.68

-50.00

1,389.49

287,877.17

Aug-2011

287,877.17

-50.00

1,442.52

289,269.68

Sep-2011

289,269.68

-50.00

1,449.49

290,669.18

Oct-2011

290,669.18

-50.00

1,409.52

292,028.70

Nov-2011

292,028.70

-50.00

1,463.32

293,442.02

Dec-2011

293,442.02

-50.00

1,422.97

294,814.99

Jan-2012

294,814.99

-56.00

1,477.28

296,236.27

Feb-2012

296,236.27

-56.00

1,484.40

297,664.67

Mar-2012

297,664.67

-56.00

1,395.33

299,004.00

Apr-2012

299,004.00

-56.00

1,498.27

300,446.26

May-2012

300,446.26

-56.00

1,456.93

301,847.20

Jun-2012

301,847.20

-56.00

1,512.52

303,303.71

Jul-2012

303,303.71

-56.00

1,470.79

304,718.50

Aug-2012

304,718.50

-56.00

1,526.90

306,189.41

Sep-2012

306,189.41

-56.00

1,534.28

307,667.68

Oct-2012

307,667.68

-56.00

1,491.95

309,103.63

Nov-2012

309,103.63

-56.00

1,548.88

310,596.51

Dec-2012

310,596.51

-56.00

1,506.15

312,046.66

Jan-2013

312,046.66

-60.00

1,563.62

313,550.29

Feb-2013

313,550.29

-60.00

1,571.16

315,061.45

Mar-2013

315,061.45

-60.00

1,425.95

316,427.39

Apr-2013

316,427.39

-60.00

1,585.58

317,952.97

Page 18 of 21

Investment Summary
www.excel-skills.com
Total Investment of Funds

300,000.00

Total Interest Capitalized

Total Withdrawal of Funds

-43,000.00

Total Interest Paid

-4,746.00

Total Other Costs

Total Bank Charges

Month

Opening
Balance

Investment of Withdrawal of
Funds
Funds

Bank
Charges

136,762.32

Interest
Capitalized

Interest
Paid

Other
Charges

Closing
Balance

May-2013

317,952.97

-60.00

1,541.83

319,434.79

Jun-2013

319,434.79

-60.00

1,600.65

320,975.44

Jul-2013

320,975.44

-60.00

1,556.48

322,471.92

Aug-2013

322,471.92

-60.00

1,615.86

324,027.79

Sep-2013

324,027.79

-60.00

1,623.66

325,591.45

Oct-2013

325,591.45

-60.00

1,578.87

327,110.31

Nov-2013

327,110.31

-60.00

1,639.11

328,689.42

Dec-2013

328,689.42

-60.00

1,593.89

330,223.31

Jan-2014

330,223.31

-65.00

1,654.70

331,813.01

Feb-2014

331,813.01

-65.00

1,808.12

333,556.13

Mar-2014

333,556.13

-65.00

1,637.59

335,128.72

Apr-2014

335,128.72

-65.00

1,821.60

336,885.32

May-2014

336,885.32

-65.00

1,772.07

338,592.39

Jun-2014

338,592.39

-65.00

1,840.42

340,367.82

Jul-2014

340,367.82

-65.00

1,813.71

342,116.52

Aug-2014

342,116.52

-65.00

1,932.22

343,983.74

Sep-2014

343,983.74

-65.00

1,942.77

345,861.51

Oct-2014

345,861.51

-65.00

1,890.36

347,686.87

Nov-2014

347,686.87

-65.00

1,963.68

349,585.55

Dec-2014

349,585.55

-65.00

1,910.71

351,431.26

Jan-2015

351,431.26

-70.00

1,984.83

353,346.09

Feb-2015

353,346.09

-70.00

1,995.64

355,271.73

Page 19 of 21

Investment Summary
www.excel-skills.com
Total Investment of Funds

300,000.00

Total Interest Capitalized

Total Withdrawal of Funds

-43,000.00

Total Interest Paid

-4,746.00

Total Other Costs

Total Bank Charges

Month

Opening
Balance

Investment of Withdrawal of
Funds
Funds

Bank
Charges

136,762.32

Interest
Capitalized

Interest
Paid

Other
Charges

Closing
Balance

Mar-2015

355,271.73

-70.00

1,812.33

357,014.06

Apr-2015

357,014.06

-70.00

2,016.36

358,960.42

May-2015

358,960.42

-70.00

1,961.95

360,852.37

Jun-2015

360,852.37

-70.00

2,038.04

362,820.41

Jul-2015

362,820.41

-70.00

1,992.99

364,743.39

Aug-2015

364,743.39

-70.00

2,137.46

366,810.85

Sep-2015

366,810.85

-70.00

2,149.57

368,890.42

Oct-2015

368,890.42

-70.00

2,092.02

370,912.45

Nov-2015

370,912.45

-70.00

2,193.93

373,036.38

Dec-2015

373,036.38

-70.00

2,192.19

375,158.57

Jan-2016

375,158.57

-76.00

2,278.14

377,360.71

Feb-2016

377,360.71

-76.00

2,369.06

379,653.76

Mar-2016

379,653.76

-76.00

2,258.11

381,835.88

Apr-2016

381,835.88

-76.00

2,480.84

384,240.72

May-2016

384,240.72

-76.00

2,415.93

386,580.65

Jun-2016

386,580.65

-76.00

2,511.67

389,016.32

On
On this
this sheet:
sheet:

All
All the
the amounts
amounts on
on this
this investment
investment account
account summary
summary are
are automatically
automatically calculated
calculated based
based on
on
the
transactions
that
are
recorded
on
the
Statement
sheet.
You
can
add
additional
the transactions that are recorded on the Statement sheet. You can add additional monthly
monthly
periods
periods to
to the
the sheet
sheet by
by simply
simply copying
copying the
the formulas
formulas from
from one
one of
of the
the existing
existing rows.
rows. No
No user
user
input
is
required
on
this
sheet.
input is required on this sheet.

Page 20 of 21

Investment Summary
www.excel-skills.com
Total Investment of Funds

300,000.00

Total Withdrawal of Funds

-43,000.00

Total Interest Capitalized


On
On this
this sheet:
sheet:

136,762.32

Total Interest Paid

Total Bank All


Charges
-4,746.00
Total automatically
Other Costs
All the
the amounts
amounts on
on this
this investment
investment account
account summary
summary are
are automatically calculated
calculated based
based on
on

Month

the
the transactions
transactions that
that are
are recorded
recorded on
on the
the Statement
Statement sheet.
sheet. You
You can
can add
add additional
additional monthly
monthly
periods
the
sheet
by
simply
copying
the
formulas
from
one
of
the
existing
rows.
No
user
periods to
to
the
sheet
by
simply
copying
the
formulas
from
one
of
the
existing
rows.
No
user
Opening
Investment of Withdrawal of
Bank
Interest
Interest
input
is
required
on
this
sheet.
input
is
required
on
this
sheet.
Balance
Funds
Funds
Charges
Capitalized
Paid

Page 21 of 21

Other
Charges

Closing
Balance