public function transform(Loan $item)
{
//return $item->toArray();
$hasAttachments = false;
$dtToday = Carbon::now();
$appDate = Carbon::createFromFormat('Y-m-d', $item->app_date);
$defaultDueDate = Carbon::createFromFormat('Y-m-d', $item->default_due_date);
$dueDate = Carbon::createFromFormat('Y-m-d', $item->due_date);
$diff = $dueDate->diffInDays($appDate);
$staleDiff = $appDate->diffInDays($dtToday);
$pastDueDiff = $dueDate->diffInDays($dtToday);
//dd($staleDiff);
if ($item->loan_type_id == 1 || $item->loan_type_id == 2 || $item->loan_type_id == 3) {
$cropLoan = true;
} else {
$cropLoan = false;
}
//is_stale
if (!$item->decision_date) {
$decision = null;
if ($staleDiff > 3 && $item->status_id == 1) {
$isStale = true;
} else {
$isStale = false;
}
// end if
} else {
$isStale = false;
$staleDiff = 0;
}
// end if
//has_attachments
if (count($item->attachments) > 0) {
$hasAttachments = true;
}
//warning Past Due
if ($pastDueDiff < 10) {
$pastDue = 2;
} elseif ($pastDueDiff < 30) {
$pastDue = 1;
} else {
$pastDue = 0;
}
if ($item->season == 'F') {
$fullSeason = 'Fall';
} else {
$fullSeason = 'Spring';
}
// Calculations for fins object
$total_acres = getTotalAcres($item->id);
$commitArm = getTotalPartyCommit('arm', $item->id);
$commitDist = getTotalPartyCommit('dist', $item->id);
$commitOther = getTotalPartyCommit('other', $item->id);
$feeProc = $item->termmods->last()->fee_processing_arm;
$feeSvc = $item->termmods->last()->fee_service_arm;
$intPercentArm = $item->termmods->last()->int_percent_arm;
$intPercentDist = $item->termmods->last()->int_percent_dist;
$estDays = $item->termmods->last()->est_days;
return ['fins' => ['discounts' => ['percent_crop' => (double) $item->discounts['disc_percent_crop'], 'percent_fsa' => (double) $item->discounts['disc_percent_fsa'], 'percent_ins' => (double) $item->discounts['disc_percent_ins'], 'percent_insoyield' => (double) $item->discounts['disc_percent_insoyield'], 'percent_nonrp' => (double) $item->discounts['disc_percent_nonrp'], 'percent_rphpe' => (double) $item->discounts['disc_percent_rphpe'], 'percent_suppins' => (double) $item->discounts['disc_percent_suppins'], 'percent_prod' => (double) $item->discounts['disc_percent_prod'], 'percent_equipment' => (double) $item->discounts['disc_percent_equipment'], 'percent_realestate' => (double) $item->discounts['disc_percent_realestate'], 'percent_other' => (double) $item->discounts['disc_percent_other']], 'amount_requested' => $item->applicants->fins['amount_requested'] ? $item->applicants->fins['amount_requested'] : $commitArm, 'arm_crop_commit' => getPartyCropsCommit($item->id, 'arm'), 'arm_cat_expense' => getPartyCatTotalExpenses($item->id, 'arm'), 'balance_spent' => (double) getArmTotalSpent($item->id), 'balance_total' => (double) getArmTotalBudget($item->id), 'balance_remaining' => (double) getArmTotalRemaining($item->id), 'cash_flow' => calcCashFlow($item), 'commit_arm' => $commitArm > 0 ? $commitArm : $item->financials['amount_requested'], 'commit_dist' => $commitDist, 'commit_other' => $commitOther, 'commit_total' => (double) $commitArm + (double) $commitDist, 'counties_in_loan' => getCountiesInLoan($item->id), 'crop_acres' => getAllCropAcres($item->id), 'cropids_in_loan' => getCropIDsInLoan($item->id), 'crops_in_loan' => getCropsInLoan($item->id), 'default_aph' => processDefaultAPH($item), 'dist_cat_expense' => getPartyCatTotalExpenses($item->id, 'dist'), 'dist_buyDown' => (bool) $item->financials['dist_buyDown'], 'dist_crop_commit' => getPartyCropsCommit($item->id, 'dist'), 'existing_crops' => getExistingCropsInLoan($item->id), 'exposure' => calcLoanExposure($item), 'fee_processing' => (double) $feeProc, 'fee_service' => (double) $feeSvc, 'fee_total' => getFeeTotal($item, (double) $feeProc + (double) $feeSvc), 'fee_onTotal' => (bool) $item->financials['fee_onTotal'], 'int_arm' => getARMInterestAlt($commitArm, $estDays, $intPercentArm), 'int_dist' => getDistInterestAlt($commitDist, $estDays, $intPercentDist), 'int_total' => getARMInterestAlt($commitArm, $estDays, $intPercentArm) + getDistInterestAlt($commitDist, $estDays, $intPercentDist), 'int_percent_arm' => (double) $intPercentArm, 'int_percent_dist' => (double) $intPercentDist, 'other_cat_expense' => getPartyCatTotalExpenses($item->id, 'other'), 'other_collateral' => getOtherCollateralValueAndDiscount($item), 'other_crop_commit' => getPartyCropsCommit($item->id, 'other'), 'principal_arm' => $commitArm + getFeeTotal($item, (double) $feeProc + (double) $feeSvc), 'principal_dist' => $commitDist, 'principal_other' => $commitOther, 'prior_lien_total' => (double) getPriorLienTotal($item->id), 'proc_fee' => getFeeProc_armAndDist($item, $feeProc), 'proc_fee_arm_only' => getFeeProc_armOnly($item, $feeProc), 'srvc_fee' => getFeeService_armAndDist($item, $feeSvc), 'srvc_fee_arm_only' => getFeeService_armOnly($item, $feeSvc), 'sup_ins' => getSupIns($item->id), 'total_acres' => (double) $total_acres[0]->Total, 'total_farm_expenses' => (double) getTotalLoanFarmExpenses($item->id), 'total_fee_percent' => (double) $feeProc + (double) $feeSvc, 'total_fsa_pay' => (double) getTotalFSA($item), 'total_indirect' => (double) getTotalIndirectIncome($item)], 'id' => $item->id, 'slug' => makeSlug($item), 'account_classification' => $item->account_classification, 'added_land' => (bool) $item->added_land, 'added_land_verified' => (int) $item->added_land_verified, 'addendum_type' => (int) $item->addendum_type, 'addendums' => $item->has_addendum ? processAddendum($item->id) : [], 'agencies' => getLoanAgencies($item->id), 'agents' => $item->agents, 'analyst' => $item->analyst->name, 'analyst_can_approve' => (bool) $item->analyst_can_approve, 'analyst_can_submit' => (bool) $item->analyst_can_submit, 'analyst_abr' => $item->analyst->nick, 'analyst_email' => $item->analyst->email, 'analyst_id' => $item->analyst->id, 'area_acres' => getAreaAcres($item->id), 'aoi_received' => (int) $item->aoi_received, 'app_date' => $item->app_date, 'applicant' => $item->applicants, 'arm_approved' => (int) $item->arm_approved, 'arm_ucc_received' => (int) $item->arm_ucc_received, 'attachments' => $item->attachments, 'bankruptcy_history' => (bool) $item->bankruptcy_history, 'bankruptcy_order_received' => (int) $item->bankruptcy_order_received, 'buyers' => $item->buyers, 'ccc_received' => (int) $item->ccc_received, 'closingdocs' => $item->closingdocs, 'committee' => $item->committee, 'committee_vote' => committeeVote($item->id), 'comments' => $item->comments, 'conditions_aci' => (bool) $item->conditions_aci, 'conditions_adis' => (bool) $item->conditions_adis, 'conditions_afsa' => (bool) $item->conditions_afsa, 'conditions_areb' => (bool) $item->conditions_areb, 'conditions_asa' => (bool) $item->conditions_asa, 'conditions_cd' => (bool) $item->conditions_cd, 'conditions_ccl' => (bool) $item->conditions_ccl, 'conditions_pg' => (bool) $item->conditions_pg, 'controlled_disbursement' => (bool) $item->controlled_disbursement, 'crop_certified' => (int) $item->crop_certified, 'crophail' => $item->crophail, 'crop_inspection' => (int) $item->crop_inspection, 'crop_loan' => (bool) $cropLoan, 'crop_year' => (int) $item->crop_year, 'databases' => processAPHDBS($item), 'decision_date' => $item->decision_date, 'default_due_date' => $item->default_due_date, 'dist_approved' => (int) $item->dist_approved, 'disbursement_issue' => (bool) $item->disbursement_issue, 'disbursements' => $item->disbursements, 'distributor' => $item->distributor ? $item->distributor : [], 'dist_ucc_received' => (int) $item->dist_ucc_received, 'due_date' => $item->due_date, 'equipment_collateral' => (bool) $item->equipment_collateral, 'est_days' => (double) $estDays, 'exceptions' => $item->exceptions, 'expenses' => $item->expenses, 'farmer' => $item->farmers, 'farmexpenses' => $item->farmexpenses, 'farms' => $item->farms, 'farmunits' => processFarmUnits($item), 'financials' => $item->financials, 'fsa_compliant' => (int) $item->fsa_compliant, 'fsapayments' => $item->fsapayments, 'full_season' => $fullSeason, 'grade' => $item->grade, 'has_addendum' => (bool) $item->has_addendum, 'has_attachments' => $hasAttachments, 'has_distributor' => (bool) $item->has_distributor, 'indyinc' => $item->indyinc, 'inspols' => $item->inspols, 'ins_summary' => getInsuranceCropSummaryByLoan($item->id), 'is_active' => (bool) $item->is_active, 'is_xcolled' => (bool) $item->is_xcolled, 'is_fast_tracked' => (bool) $item->is_fast_tracked, 'is_stale' => (bool) $isStale, 'is_watched' => (bool) $item->is_watched, 'its_list' => (int) $item->its_list, 'leases_valid' => (int) $item->leases_valid, 'lien_letter_received' => (int) $item->lien_letter_received, 'limit_warning' => (int) $item->limit_warning, 'limit_warning_message' => $item->limit_warning_message, 'loan_closed' => (int) $item->loan_closed, 'loan_closed_date' => $item->loan_closed_date ? Carbon::createFromFormat('Y-m-d', $item->loan_closed_date)->format('m/d/Y') : '', 'loanconditions' => $item->conditions, 'loancrops' => addAcres($item->loancrops), 'loandistributor' => $item->loandistributor, 'loanpractices' => $item->practices, 'loan_type' => $item->loantypes->loantype, 'loan_type_id' => (int) $item->loan_type_id, 'loantype_abr' => $item->loantypes->abr, 'location' => $item->location, 'loc_abr' => $item->location->loc_abr, 'other_collateral' => $item->othercollateral, 'past_due' => $pastDue, 'permission_to_insure_verified' => (int) $item->permission_to_insure_verified, 'planned_crops' => $item->plannedcrops, 'prev_lien_verified' => (int) $item->prev_lien_verified, 'prior_liens' => $item->priorliens, 'quests' => ['amount_requested' => (double) $item->quests->amount_requested, 'plant_own' => (bool) $item->quests->plant_own, 'plant_own_details' => $item->quests->plant_own_details, 'harvest_own' => (bool) $item->quests->harvest_own, 'harvest_own_details' => $item->quests->harvest_own_details, 'equip_obligations' => (bool) $item->quests->equip_obligations, 'equip_obligations_details' => $item->quests->equip_obligations_details, 'other_cash' => (bool) $item->quests->other_cash, 'other_cash_details' => $item->quests->other_cash_details, 'insInPlace' => (bool) $item->quests->insInPlace, 'insInPlace_details' => $item->quests->insInPlace_details, 'fsa_good' => (bool) $item->quests->fsa_good, 'fsa_good_details' => $item->quests->fsa_good_details, 'fci_good' => (bool) $item->quests->fci_good, 'fci_good_details' => $item->quests->fci_good_details, 'premiums_past' => (bool) $item->quests->premiums_past, 'premiums_details' => $item->quests->premiums_details, 'legal_defendant' => (bool) $item->quests->legal_defendant, 'defendant_details' => $item->quests->defendant_details, 'judgements' => (bool) $item->quests->judgements, 'judgement_details' => $item->quests->judgement_details, 'bankruptcy' => (bool) $item->quests->bankruptcy, 'bankruptcy_details' => $item->quests->bankruptcy_details, 'bankruptcy_order' => (bool) $item->quests->bankruptcy_order, 'liens' => (bool) $item->quests->liens, 'liens_details' => $item->quests->liens_details, 'fsa_direct_pay' => (bool) $item->quests->fsa_direct_pay, 'fsa_direct_pay_details' => $item->quests->fsa_direct_pay_details, 'future_liabilities' => (bool) $item->quests->future_liabilities, 'credit_3p_available' => (bool) $item->quests->credit_3p_available, 'credit_3p_details' => $item->quests->credit_3p_details, 'income_percent' => (double) $item->quests->income_percent, 'income_distribution_details' => $item->quests->income_distribution_details, 'distributor' => $item->quests->distributor, 'agency' => $item->quests->agency, 'pesticide_number' => $item->quests->pesticide_number, 'pest_num_expiration' => $item->quests->pest_num_expiration, 'credit_score' => (int) $item->quests->credit_score, 'affiliates' => (bool) $item->quests->affiliates, 'affiliated_entities' => $item->quests->affiliated_entities, 'farm_supplier_creditors' => $item->quests->farm_supplier_creditors], 'rebators' => $item->rebators, 'references' => $item->references, 'realestate_collateral' => (bool) $item->realestate_collateral, 'rebate_assignment' => (int) $item->rebate_assignment, 'received_3party' => (int) $item->received_3party, 'recommended' => (int) $item->recommended, 'reconciliation' => (int) $item->reconciliation, 'region' => $item->location->regions->region, 'required_3party' => (bool) $item->required_3party, 'season' => $item->season, 'status' => $item->status, 'storage' => $item->storage, 'tabstats' => $item->tabstats, 'terms' => $item->termmods, 'transactions' => $item->transactions, 'xcols' => getXCols($item->id)];
}
function calcLoanExposure($loan)
{
if ($loan[0]) {
$loan = $loan[0];
} else {
$loan = $loan;
}
// Total Collateral = DiscCrops + DiscFSA + DiscInsOverCrops + YP_Coverage + SupCoverage + Equipment + RealEstate + Other
$discCrops = (double) calcAllCropValue($loan) * $loan->fins['discounts']['percent_crop'];
$discFSA = (double) getTotalFSA($loan) * $loan->fins['discounts']['percent_fsa'];
$discInsOverYield = (double) calcTotalInsOverYield($loan);
//TODO
$discYPCoverage = 0;
//any yp coverage's valye * disc ((ins_level * ins_price * aph) - premium))
$discSupCoverage = 0;
//???
// /TODO
$discEquipment = getDiscCollateralTotal('equipment', $loan);
$discRealEstate = getDiscCollateralTotal('realestate', $loan);
$discOther = getDiscCollateralTotal('other', $loan);
$feeRateTotal = (double) $loan->fins['fee_processing'] + (double) $loan->fins['fee_service'];
$armRate = (double) $loan->fins['int_percent_arm'];
$distRate = (double) $loan->fins['int_percent_dist'];
$totalCollateral = (double) $discCrops + (double) $discFSA + (double) $discInsOverYield + (double) $discYPCoverage + (double) $discSupCoverage + (double) $discEquipment + (double) $discRealEstate + (double) $discOther;
$totalCommitment = (double) getTotalPartyCommit('arm', $loan->id) + (double) getFeeTotal($loan, $feeRateTotal) + (double) getARMInterest($loan, $armRate) + ((double) getTotalPartyCommit('dist', $loan->id) + (double) getDistInterest($loan, $distRate));
$exposure = (double) $totalCollateral - (double) $totalCommitment;
return $exposure;
}