Earned income on excess HSA

My HSA banker is refusing to calculated earned income on my excess HSA contribution. I understand that the following equation is used to determine this amount:

Net Income = Contribution × ( Adjusted Closing Balance − Adjusted Opening Balance ) / Adjusted Opening Balance

I overcontributed $4,000 to HSA in 2023.

I am having difficulty determining what is mean by the account closing balance (ACB) and account opening balance (AOB).

1. Is AOB the total investment balance (all money located in investment accounts) for the month when overpayment started + $4,000?

2. For ACB, I assume this is the total amount located in investment accounts at the end of the year

3. Do I need to include distribution for qualified health accounts anywhere? I obviously paid taxes for those with the $4000 overpayment and I assume they don't need to be incorporated because it's not sitting in an investment account.

For example,

Excess contribution: $4,000

ACB: 10,000

AOB: 7,000+4,000

So my total to withdraw for excess earnings would be $-363

4000 [(10,000-11,000)/11,000]

4. It doesn't make sense that the balance is negative, unless I'm losing money to the HSA investments, correct? According to my HSA investment site, I made a total of $600 during this period.

5. How should I report a negative earning, when I've already requested the 4,000 from my HSA? Do I fill out the form to transfer 363 into my account from my bank, or make an extra contribution to my HSA? 

https://www.law.cornell.edu/cfr/text/26/1.408-11https://www.investopedia.com/net-income-attributable-definition-5223368