Navigation:  Loan Screens > Account Information Screen Group > Reserves Screen Group > Reserve Analysis Screen > Reserve Analysis tab > New Reserve field group > Deficiency Actual/Reserve Payment

Entry: System, numeric

F/M: No

Mnemonic: N/A

Screen: Loans > Account Information > Reserves > Reserve Analysis > Reserve Analysis tab

 

This is the amount of negative Reserve 1 and Reserve 2 balances in the reserve account at the time of analysis. This is the actual amount that the reserve balance is below zero adjusted for prepayments or delinquencies. Reserve 2 will not be included if you have the Exclude Reserve 2 From Analysis option checked. Based on the amount of the deficiency and deficiency option selected, you may or may not have an amount in the Reserve Payment box field. See the Analysis Options field descriptions.

 

See the Loans > Account Information > Reserves > Account Reserve Detail screen help to learn more about negative reserve balances.

 

If a loan has a deficit and you “post to account” online or from the afterhours process, the amount of the deficit will be entered in the Deficit Amount field on the Options, Limits & Loan Fields tab.