The user defined report is the result of the report that you designed in the previous view called "Report Designer".
It's a multiple line graph chart, each line corresponding to the selected category. The "balance" graph is dashed-line and it's appended to the chart to show the current account balance for each date of your category transactions.
The income categories have positive values (+), and the expense categories have the negative values (-).
So far, only the line chart is used here.