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Failed Bank History Report
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This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.
Platinum Community Bank as of June-2009
2915 WEST KIRCHOFF ROAD ROLLING MEADOWS, IL, 60008
Data Source: IRA Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2003-2009 Lord, Whalen LLC All Rights Reserved
Historical Performance Table



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Ratios
T1/RWA
RBC/RWA
T1/ASSET

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Total Assets
Total Lending

Total Securities

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB to Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

June
2009


C
4.7
0.67
82.9%
0

Adequate
63.5%
64.8%
24.0%


B
CCC
788.9
99.74
-
121.3


$8,613
11.67%
$35,482
4.1:1
$54,187
36.84%
6.29:1


$147,961
$58,106

$33,657

$1,045
$136,086
1.54%
1.96%

$110,186
$0
$0
$5,740
-

-
0.00%
3.88%

$2,292
$3,035
0.76:1
$2,828

$2,292
$3,567
$0
$0
$0
$8,647
$0
$632
$15,138
10.23%
10.23%
$8,647

-
-

March
2009


B
2.0
19.20
62.9%
0

Adequate
33.4%
34.8%
10.0%


B
B
469.6
99.42
-
2.2


$4,598
36.08%
$11,967
2.6:1
$29,733
24.83%
6.47:1


$120,132
$44,297

$33,185

$516
$112,238
1.84%
2.25%

$103,637
$0
$0
$8,911
-

-
0.00%
7.42%

$520
$1,187
0.44:1
$2,750

$520
$2,921
$0
$0
$0
$7,771
$0
$1,072
$12,284
10.23%
10.23%
$7,771

-
-

December
2008


F
22.2
-0.04
116.6%
0

Adequate
18.6%
19.9%
7.6%


B
CCC
504.4
98.33
-
2.0


$4,401
-77.81%
$6,613
1.5:1
$25,043
29.05%
5.69:1


$86,519
$45,008

$26,774

$1,393
$71,222
1.96%
1.82%

$78,154
$0
$0
$6,690
-

-
0.00%
7.73%

$2,270
$3,241
0.70:1
$2,080

$2,270
$5,432
$0
$0
$0
$4,402
$0
$1,067
$13,171
15.22%
15.22%
$4,402

-
-

September
2008


F
22.1
-0.06
195.1%
0

Adequate
14.6%
15.9%
9.3%


B
B
385.0
99.53
-
1.7


$4,603
-57.31%
$7,284
1.6:1
$25,570
32.69%
5.55:1


$78,541
$58,808

$10,929

$968
$72,465
1.78%
1.65%

$70,287
$0
$0
$9,362
-

-
0.00%
11.92%

$1,698
$2,119
0.80:1
$1,400

$1,698
$4,830
$0
$1,100
$0
$11,534
$0
$510
$19,672
25.05%
25.05%
$12,634

-
-

June
2008


F
21.6
-0.06
168.1%
0

Warn
6.9%
8.1%
4.6%


BB
B
206.1
98.73
-
2.0


$4,392
-25.75%
$3,677
0.8:1
$17,799
22.29%
4.05:1


$80,221
$61,315

$11,471

$650
$72,949
1.78%
1.63%

$73,773
$0
$0
$13,299
$2,000

2.49%
0.00%
19.07%

$632
$820
0.77:1
$1,350

$632
$5,970
$0
$0
$0
$8,970
$0
$3,009
$18,581
23.16%
23.16%
$8,970

-
-

March
2008


F
22.1
-58.98
115.0%
0

Warn
7.7%
9.0%
5.0%


B
B
400.9
98.79
-
2.0


$4,695
-19.13%
$4,445
0.9:1
$19,149
21.48%
4.08:1


$89,540
$66,044

$13,938

$367
$82,069
1.79%
1.76%

$83,699
$0
$0
$13,652
-

-
0.00%
15.25%

$662
$554
1.19:1
$1,107

$662
$3,743
$0
$247
$0
$7,985
$0
$1,660
$14,297
15.97%
15.97%
$8,232

-
-

December
2007


F
21.5
-0.15
315.6%
0

Warn
7.3%
8.6%
5.4%


BBB
BBB
46.6
47.37
-
2.1


$4,895
-75.17%
$4,921
1.0:1
$18,999
20.92%
3.88:1


$91,271
$69,371

$14,829

$2,281
$85,125
2.68%
2.25%

$84,640
$0
$0
$13,578
-

-
0.00%
14.88%

$323
$615
0.53:1
$887

$323
$5,293
$0
$0
$0
$7,543
$0
$1,311
$14,470
15.85%
15.85%
$7,543

-
-

September
2007


F
21.5
-0.20
295.3%
0

Fail
4.1%
4.7%
3.4%


A
AA
11.3
100.00
-
2.3


$6,109
-43.21%
$3,742
0.6:1
$15,534
14.15%
2.54:1


$110,308
$87,197

$15,666

$1,879
$102,817
2.44%
2.37%

$82,823
$0
$0
$36,759
$23,500

21.30%
0.00%
54.63%

$74
$249
0.30:1
$600

$74
$3,729
$0
$0
$0
$5,194
$0
$1,578
$10,575
9.59%
9.59%
$5,194

-
-

June
2007


F
22.4
-0.07
664.0%
0

Adequate
9.8%
10.6%
6.1%


A
AA
11.9
100.00
-
2.2


$5,866
-37.05%
$6,683
1.1:1
$15,995
14.76%
2.73:1


$108,879
$84,315

$16,534

$1,317
$101,828
2.59%
2.47%

$84,238
$0
$0
$31,631
$16,500

15.15%
0.00%
44.21%

$50
$175
0.29:1
$550

$50
$5,367
$0
$0
$0
$2,410
$0
$1,119
$8,946
8.22%
8.22%
$2,410

-
-

March
2007


F
22.1
-0.05
575.7%
0

Adequate
13.0%
13.9%
7.1%


AAA
AAA
0.0
0.00
-
4.0


$5,694
-17.63%
$7,926
1.4:1
$16,855
15.10%
2.96:1


$112,282
$82,408

$17,922

$691
$103,547
2.67%
2.53%

$89,374
$0
$0
$14,129
$11,900

10.60%
0.00%
23.18%

-
$150
-
$575

$0
$354
$0
$0
$0
$2,151
$0
$261
$2,766
2.46%
2.46%
$2,151

-
-

December
2006


F
21.2
-1.99
184.8%
0

Adequate
13.8%
14.3%
8.4%


BB
BBB
66.7
100.00
-
4.5


$6,431
-43.68%
$10,766
1.7:1
$16,857
13.25%
2.62:1


$127,861
$93,693

$18,844

$2,654
$115,291
2.30%
2.22%

$84,831
$0
$0
$44,243
$25,000

19.55%
0.00%
54.15%

$625
$625
1.00:1
$425

$625
$2,696
$0
$0
$0
$1,031
$0
$261
$4,613
3.61%
3.61%
$1,031

-
-

September
2006


F
11.7
0.21
167.5%
0

Adequate
12.1%
12.5%
8.8%


BB
BB
88.3
100.00
-
3.2


$6,332
-28.41%
$11,083
1.8:1
$17,119
13.65%
2.70:1


$125,960
$92,847

$25,977

$2,046
$119,928
2.27%
2.26%

$83,057
$0
$0
$51,867
$22,800

18.10%
0.00%
59.28%

$615
$615
1.00:1
$425

$615
$586
$0
$0
$0
$1,560
$0
$0
$2,761
2.19%
2.19%
$1,560

-
-

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
Lord, Whalen LLC dba Institutional Risk Analytics 371 Van Ness Way Suite 110 Torrance, California 90501 310.676.3300