Can i dock a day of pay for an exempt employee that has no PTO (paid time off) days available?

Our PTO policy is not broken down into vacation/personal/sick days, it is simply a number of PTO employees earn after a certain time frame. I see that the FLSA states that you can dock a day of pay under the following circumstance: Exempt employee absences of a day or more caused by sickness or disability, if the company maintains a plan that provides compensation for loss of salary caused by sickness and disability and the employee exhausted his or her “bank” of leave. Does that mean I dock his pay for the day since he has no days in his "bank" or do I pay him his salary? This particular employee has not earned PTO days yet, but we've been borrowing days from the bank he will receive once he's been here a year.