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Default conditional written statement

I have a spreadsheet which computes the remaining funds in an escrow
account in dollars. When the escrow amount is short, the spreadsheet
puts the amount in parenthesis. Let's say for this example it reads
that the escrow is short $50.00. Now in this condition I want another
cell to read " the escrow is short" in this condition only (that being
the escrow is showing a shortage). If there is no shortage or if it
reads zero dollars I don't want any statement to be written
(inotherwords ignore the amount and write no statement).

Is there a simple way to perform this condition using perhaps an
" IF " statement ? Please keep it simple as I consider myself a
beginner in this stuff.
 
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