Bank Balance

For VISA applications, loan applications etc, a lot of people ask for last few month’s bank statement. I wonder how accurately can a bank statement capture one’s finances?
For example, even though I have sufficient funds for my needs and small emergencies, in the past 6 months my bank balance has never been more than 15k for a period of more than a week.

however, if I take a small loan, (or put my contingency funds, which I keep in cash in the bank) the same bank statement would look much more attractive.