Answer:
Make sure you are looking at GROSS income, not net after deductions. If the applicant earns a salary, enter the gross salary before any deductions, exemptions or expenses.
If somehow income is truly negative, you should enter NA. If you try to enter 0 as the income in the FFIEC software, you will receive a validity error saying the income is "zero, missing, negative, or if non-numeric, does not equal NA". If you use other software, it will convert a zero to NA or require NA rather than zero so that the submission is correct.
First published on BankersOnline.com 2/13/12
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