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Hi experts

I want to have your opinion about the process of
calculating the statement of account.

Let's say that i have a client and i want to print
his statement of account, to do this i have to gather
all the Debits and the credits transactions belonging
to this client, and then calculate and bind it to the report.
My question is how to gather all this information knowing
that i have different tables and different fields?

1) I thought of creating an array, and filling it from these tables,
it's very flexible, knowing that i can control what and where to
fill data, maybe it will work fine for VB but then how can i bind
it to the report??

2) I thought of creating a table at run time, and appending
all the necessary records, but then my database is for
multiuser, so i have to bear in mind not using the same
table.

Please if anyone has some ideas about it, i'll be so greatfull.

Best Regards

Michel Medawar.