score:2
Why would you not 'declare her as employed'?
Your wife will be asked about her employment status on her application, and if you say she is unemployed when she is not that is lying on the application. Lying on an application form can possibly result in a ban from the country.
Submitting your wife's banking details can only help your situation, even if it is not by itself enough to cover your expenses. Presumably you do have enough between you to cover the cost of the trip and have enough left over for normal life.