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HomeMy WebLinkAboutBallpark Audit 08-31-14 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT FINANCIAL REPORT AUGUST 31, 2014 C O N T E N T S Page INDEPENDENT AUDITOR’S REPORT....................................................................................1 MANAGEMENT’S DISCUSSION AND ANALYSIS(unaudited)................................................4 FINANCIAL STATEMENTS Statement of Net Position................................................................................................9 Statement of Revenues, Expenses, and Changes in Net Position.................................10 Statement of Cash Flows...............................................................................................11 Notes to Financial Statements.......................................................................................12 SUPPLEMENTAL SCHEDULES Schedule I –Schedule of Revenues and Expenses-Budget and Actual.........................21 Schedule II –Certificate of the Fixed Charges Coverage Ratio......................................22 INDEPENDENT AUDITOR’S REPORT To the Board of Directors Texas Student Housing Authority–Ballpark AustinProject Report on the Financial Statements We have audited the accompanying financial statements of Texas Student Housing Authority– Ballpark Austin Project(the Project), a component unit of Town of Westlake,as of and for the year ended August 31, 2014, and the related notes to the financial statements, which collectively comprise theProject’s basic financial statements as listed in the table of contents. Management’s Responsibility for the Financial Statements TheProject’s management is responsible for the preparation and fair presentation of these financial statements in accordance with accounting principles generally accepted in the United States of America; this includes the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error. Auditor’s Responsibility Our responsibility is to express an opinion on these financialstatements based on our audit. We conducted our audit in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Project’s internal control. Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion. Texas Student Housing Authority –Ballpark Austin Project Page 2 Opinion In our opinion, the financial statements referred to above present fairly, in all material respects, the financial position of theProjectas of August 31, 2014, and the changes in its financial position and its cash flows for the year then ended in accordance with accounting principles generally accepted in the United States of America. Emphasis of Matter Regarding Going Concern The accompanying financial statements have been prepared assuming that the Project will continue as a going concern. As discussed in Note 10to the financial statements, the Project is in default on its bondsdue to the discontinuance of certain principal and interest payments and noncompliance with certain bond covenants. This gives the bondholders the right to accelerate and demand payment on the bonds in full. These conditions raise substantial doubt about the Project’sability to continue as a going concern. Management’s plans regarding these matters also are described in Note 10. The financial statements do not include any adjustments that might result from the outcome of this uncertainty. Our opinion is not modified with respect to this matter. Change in Accounting Principle As discussed in Note 9 to the financial statements, in 2014 the City adopted new accounting guidance, GASB Statement No. 65, Items Previously Reported as Assets and Liabilities. Our opinion is not modified with respect to this matter. Other Matters Required Supplementary Information Accounting principles generally accepted in the United States of America require that the management’s discussion and analysis on pages4–8be presentedto supplement the basic financial statements. Such information, although not a part of the basic financial statements, is required by the Governmental Accounting Standards Board who considers it to be an essential part of financial reporting for placing the basic financial statements in an appropriate operational, economic, or historical context. We have applied certain limited procedures to the required supplementary information in accordance with auditing standards generally accepted in the United Statesof America, which consisted of inquiries of management about the methods of preparing the information and comparing the information for consistency with management’s responses to our inquiries, the basic financial statements, and other knowledge we obtained during our audit of the basic financial statements. We do not express an opinion or provide any assurance on the information because the limited procedures do not provide us with sufficient evidence to express an opinion or provide any assurance. Texas Student Housing Authority –Ballpark Austin Project Page 3 Other Information Our audit was conducted for the purpose of forming an opinion on the financial statements that collectively comprise theProject’s basic financial statements. The Schedule of Revenues and Expenses–Budget and Actualand the Certificate of the Fixed Charges Coverage Ratioare presented for purposes of additional analysis and arenot a required part of the basic financial statements. The Schedule of Revenues and Expenses–Budget and Actualand the Certificate of the Fixed Charges Coverage Ratioarethe responsibility of management and were derived from and relatedirectly to the underlying accounting and other records used to prepare the basic financial statements. Such information has been subjected to the auditing procedures applied in theaudit of the basic financial statements and certain additional procedures, including comparing and reconciling such information directly to the underlying accounting and other records used to prepare the basic financial statements or to the basic financial statements themselves, and other additional procedures in accordance with auditing standards generally accepted in the United States of America. In our opinion, the Schedule of Revenues and Expenses–Budget and Actualand the Certificate of the Fixed Charges Coverage Ratioarefairly stated, in all material respects, in relation to the basic financial statements as a whole. WEAVER AND TIDWELL, L.L.P. Dallas, Texas February 5, 2015 MANAGEMENT’S DISCUSSION AND ANALYSIS (unaudited) TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT MANAGEMENT’S DISCUSSION AND ANALYSIS YEAR ENDED AUGUST 31, 2014 (unaudited) As staff of the Texas Student Housing Authority–Ballpark Austin Project (the “Project”),we offer the readers of the Project’s financial statements this narrative overview and analysis of the financial activities of the Projectfor the fiscal year ended August 31, 2014. We encourage readers to consider the information presented herein in conjunction with the Project’s financial statements which follow this section. As the Projectis an instrumentality of the Town of Westlake and is thus considered a governmental entity, Governmental Accounting Standards Board Statement 34, Basic Financial Statements-and Management Discussion and Analysis-for State and LocalGovernments(Statement 34) has beenimplemented. The reader should note that this financial report addresses only the financial condition of the Project itself. FINANCIAL HIGHLIGHTS The liabilities of the Project exceeded its assets at the close of the fiscal year by $24,315,118. This is a decreaseof $4,761,586fromthe prior year(including a $2,145,311 adjustment to beginning net position to reflect the cumulative effect of implementing GASB Statement No. 65). Operating revenue of $4,083,329was$174,726more than budget, and operating expenses were$431,612morethan budget(not including depreciation and other expensesof $4,475,485). At the end of the current fiscal year, the total cash balances were $781,063in unrestricted cash and $228,364in restricted cash. OVERVIEW OF THE FINANCIAL STATEMENTS This discussion and analysis are intended to serve as an introduction to the Project’s basic financial statements. The Project’s report consists of three parts-Management’sDiscussion and Analysis, the basic financial statements, and notes to the financial statements. The basic financial statements include a statement of net position, statement of revenues, expenses, and changes in net position, and a statement of cash flows. Supplemental schedules follow the notesto the financial statements. The Project is being treated as a going concern. The Project is in default on its bonds and is not financially able to make scheduled principal and interest payments on its outstanding debt. They are considered an event of default by the Trustee, which gives the bondholders the right to accelerate and demand payment of the bonds in full. Management and the property manager are in the process of developing plans to increase occupancy and rental rates at the property to improve its financial performance. 4 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT MANAGEMENT’S DISCUSSION AND ANALYSIS YEAR ENDED AUGUST 31, 2014 (unaudited) The statement of net positionpresents information on all ofthe Project’s assets and liabilities with the difference between the two reported as net position. TABLE 1 –NET POSITION Business-type Activities 20142013 Current and other assets$ 1,070,130$ 3,661,147 Capital assets19,706,65520,567,331 Total assets20,776,78524,228,478 Current liabilities45,091,9039,923,576 Non-current liabilities-33,858,434 Total liabilities45,091,90343,782,010 Net Position Net investment in capital assets(14,916,864)(13,996,103) Unrestricted(9,398,254)(5,557,429) Total net position$(24,315,118)$(19,553,532) 5 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT MANAGEMENT’S DISCUSSION AND ANALYSIS YEAR ENDED AUGUST 31, 2014 (unaudited) The statement of revenues, expenses and changes in net position accounts for all of the Project’s revenues and expenses regardless of when cash is paid or received. TABLE 2 –CHANGEIN NET POSITION Business-type Activities 20142013 Total operating revenue$ 4,083,329$ 3,834,672 Total operating expenses(3,281,995)(3,084,203) Total operating income801,334750,469 Interest income78127 Interest expense(3,417,687)(2,403,421) Total nonoperating expenses(3,417,609)(2,403,294) CHANGE IN NET POSITION (2,616,275)(1,652,825) NET POSITION, BEGINNING (19,553,532)(17,900,707) CUMULATIVE EFFECT OF CHANGE IN ACCOUNTING PRINCIPLE (2,145,311)- NET POSITION, ENDING $(24,315,118)$(19,553,532) Thestatement of cash flows recaps how cash changedfrom year toyear. 6 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT MANAGEMENT’S DISCUSSION AND ANALYSIS YEAR ENDED AUGUST 31, 2014 (unaudited) FINANCIAL ANALYSIS OF THE PROJECT’S FUNDS Notes to financial statements The notes provide additional information that is essential to a full understanding of the data provided in the financial statements. Restricted cash Restricted cash represents monies held in escrow by the trustee and are restricted for the payment of expenses as outlined in the Trust Indenture. As of August 31, 2014, these balances were as follows: Operating Fund$ 7,082 Bond Fund - Series 2001A180,488 Bond Fund - Series 2001B 13,003 Bond Fund - Series 2001C 16 Debt Service Reserve 2001A Account2 Debt Service Reserve 2001B Account863 Repair and Replacement Fund2,020 Trustee Fee Fund706 Tax and Insurance Fund21,243 Series A Principal Fund3 Series B Principal Fund2,938 Total$ 228,364 Nonrestricted cash Nonrestricted cash is available for general use of the Project. Bonds payable As of August 31, 2014, the following amounts on the Series A, B and C Bonds were owed: Series A$28,840,000 Series B2,365,000 Series C3,000,000 Deferred purchase price1,460,000 Less:discount on bond issuance(1,041,481) Total$34,623,519 7 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT MANAGEMENT’S DISCUSSION AND ANALYSIS YEAR ENDED AUGUST 31, 2014 (unaudited) Fixed charge cover ratio The bond indenture provides for a fixed charge coverage ratio of 1.25 when payments on the A and B Bond Series are considered and 1.15 when payments on the C Bond Series are added. At this time, the Project has only realized a ratio of .76and.66, respectively, and is thus technically in default of the indenture. ECONOMIC FACTORS AND NEXT YEAR’S BUDGET Leases at the Project are primarily 12-month leases, however, due to competitive and market conditions, a relatively minor number of 10-month leases exist. These leases do bring a monthly premium over the 12-month leases. Occupancy for the fiscal year ending August 31, 2014, indicates a substantial increase to 97.4%; however, rental rates, again due to competitive pressures, will not see an increase. CONTACTING THE PROJECT’S FINANCIAL MANAGEMENT This financial report is designed to provide the reader with a general overview of the Project’s finances and to demonstrate the Project’s accountability for the money it receives. If you have any questions about this report, or need additional information, please contact Pete Ehrenberg at (817) 490-5723. 8 FINANCIAL STATEMENTS TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT STATEMENT OF NET POSITION AUGUST 31, 2014 ASSETS Current Assets Cash $ 781,063 Restricted cash228,364 Accounts receivable60,703 Total current assets1,070,130 Capital Assets Land4,788,265 Other capital assets, net of accumulated depreciation14,918,390 Total capital assets19,706,655 TOTAL ASSETS 20,776,785 LIABILITIES Current Liabilities Accounts payable247,558 Accrued liabilities950,997 Unearned revenue and prepaid rent205,453 Accrued interest 9,064,376 Bonds payable 33,163,519 Deferred purchase price1,460,000 Total current liabilities45,091,903 NET POSITION Net investment in capital assets(14,916,864) Unrestricted(9,398,254) TOTAL NET POSITION $(24,315,118) The Notes to Financial Statements are an integral part of this statement. 9 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT STATEMENT OF REVENUE, EXPENSES AND CHANGES IN NET POSITION FOR THE YEAR ENDED AUGUST 31, 2014 OPERATING REVENUE Rental income$ 3,983,818 Other income99,511 Total operating revenue4,083,329 OPERATING EXPENSES Personnel expenses366,402 Contract services58,088 Utilities625,623 Travel2,973 Repairs and maintenance83,288 Turnover expenses848,045 Advertising and promotion73,277 Administration expenses166,501 Management fees197,122 Depreciation expense860,676 Total operating expenses3,281,995 OPERATING INCOME801,334 NON-OPERATING REVENUE (EXPENSES) Interest income78 Interest expense(3,417,687) TOTAL NON-OPERATING REVENUE (EXPENSES)(3,417,609) CHANGE IN NET POSITION(2,616,275) NET POSITION, BEGINNING(19,553,532) CUMULATIVE EFFECT OF CHANGE IN ACCOUNTING PRINCIPLE(2,145,311) NET POSITION, ENDING$(24,315,118) The Notes to Financial Statements are an integral part of this statement. 10 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT STATEMENT OF CASH FLOWS FOR THE YEAR ENDED AUGUST 31, 2014 CASH FLOWS FROM OPERATING ACTIVITIES Cash received from tenants$3,952,630 Miscellaneous other income99,511 Cash paid to employees(366,402) Cash paid to suppliers(2,031,977) Net cash provided by operating activities1,653,762 CASH FLOWS FROM CAPITAL AND RELATED FINANCING ACTIVITIES Interest paid (2,144,000) CASH FLOWS FROM INVESTING ACTIVITIES Interest on investments78 Net change in cash and cash equivalents(490,160) Cash and cash equivalents at beginning of year1,499,587 Cash and cash equivalents at end of year$1,009,427 Cash$781,063 Restricted cash228,364 Total cash and cash equivalents$1,009,427 RECONCILIATION OF OPERATING INCOME TO NET CASH PROVIDED BY OPERATING ACTIVITIES Operating income$ 801,334 Adjustments to reconcile operating income to net cash provided by operating activities: Depreciation860,676 Changes in operating assets and liabilities: Accounts receivable(44,454) Accounts payable22,940 Unearned revenue and prepaid rent13,266 Net cash provided by operating activities$1,653,762 The Notes to Financial Statements are an integral part of this statement. 11 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT NOTES TO FINANCIAL STATEMENTS NOTE 1. GENERAL STATEMENT Texas Student Housing Authority (the Authority), a higher education authority, was established on January 23, 1995, as a duly constituted authority of the Town of Westlake, Texas(the Town), pursuant to Section 53.11 of Chapter 53 of the Texas Education Code, as amended. The Authority’s purpose among other things is to acquire, finance, and operate student housing facilities. The Authority operates several student housing facilities in Texas and one of the housing projects is the Ballpark Austin Project (the Project). The Project was purchased from Jefferson Commons –Austin, L.P., a Delaware limited partnership on December 27, 2001. TheProject obtained its financing through the issuance of Texas Student Housing Authority –Student Housing Revenue Bonds (Austin, Texas Project), Series 2001A, Series 2001B and Subordinate Series 2001C. The bonds were issued through a trust indenture by andbetween the Authority and the Bank of New York, the, trustee. The Series 2001A, 2001B and Subordinate Series 2001C Bonds were issued in the face amounts of $34,175,000, $2,470,000 and $3,000,000, respectively. The accompanying financial statements presentthe operations of the Project, whose revenue streams are pledged for the bonds described herein. NOTE 2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES A summary of the Project’ssignificant accounting policies consistently applied in the preparation of the accompanying financial statements follows: Reporting Entity For financial reporting purposes, management has considered all potential component units. The decision to include a potential component unit in the reporting entity was made by applying the criteria set forth in GASB Statement No. 14 as amended by GASB statementsNo. 39and 61. The criteria used areas follows: Financial Accountability-The primary government is deemed to be financially accountable if it appoints a voting majority of the organization's governing body and (1) it is able to impose its will on that organization or (2) there is a potential for the organization to provide specific financial benefits to, or impose specific financial burdens on, the primary government. Additionally, the primary government may be financially accountable if an organization is fiscally dependenton the primary government regardless of whether the organization has a separately elected governing board appointed by a higher level of government or a jointly appointed board. Accordingly, the Project reports no component units. 12 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT NOTES TO FINANCIAL STATEMENTS NOTE 2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES–CONTINUTED Measurement Focus and Basis of Accounting The Project uses the economic resources measurement focus. This means that all assets,liabilities, equity, revenues, and expenses are accounted for using the accrual basis ofaccounting. Revenue is recognized when earned and expenses are recognized when they areincurred. The Governmental Accounting Standards Board (GASB) is the accepted standards setting body for establishing governmental accounting and financial reporting principles (GAAP). Management uses estimates and assumptions in preparing financial statements in accordance with GAAP. Those estimates and assumptions affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities, and the reported revenues and expenses. Actual results could vary from the estimates that are used. Income Taxes The Project is an instrumentality of the Town and, therefore, its income is not subject to federal income taxation pursuant to Section 115 of the Internal Revenue Code. Cash and Cash Equivalents The Project considers all highly liquid investments with maturity of three months or less when purchased to be cash equivalents. At August 31, 2014, the Project had no such investments included in cash and cash equivalents. In addition, the Project has restricted cash of $228,364that is held by the trustee for the bonds payable under provisions of the trust indenture. During the year ended August 31,2014, the Projectdid not receive any investment income from cash. See Note 3for riskdisclosures and breakdown of restricted cash accounts. Accounts Receivable Accounts receivable are stated at amounts management expects to collect from outstanding balances. Management writes-off uncollectible amounts through a reduction to revenue and a credit to accounts receivable based on its assessment of the outstanding receivables. At year end,management assesses the accounts receivable balance and establishes a valuation allowance based on historical experience and an evaluation of the outstanding balances.As of August 31, 2014, management has determined that all accounts doubtful of collection have been charged to operations and an allowance is not required. 13 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT NOTES TO FINANCIAL STATEMENTS NOTE 2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES–CONTINUED Advertising Costs All advertising costs are expensed as they are incurred. Advertising costs for the year ending August 31, 2014were approximately $73,000. Capital Assets Property and equipment have been recorded at the date of acquisition at cost. Routine maintenance and repair costs to ready the units for the next period are expensed as incurred. Expenses directly related to the improvement of property are capitalized at cost. The Projectcapitalizes the cost of roof replacementsand expenditures for other major property improvements. The Indenture (dated December 1, 2001) provides for a repair and replacement fund requirement. The covenant states that no less frequently than every five years following the date of issuance of the Bonds, the Project will cause a professional engineer or firm of such engineers to conduct a physical assessment of the Project and to submit a written report concerning the physical condition of the Project and the engineer’s recommendations for capital improvements needed at the Project. Depreciation is computed using the straight-line method over the estimated useful lives as follows: Estimated Asset ClassUseful Lives Building30 Improvements, furniture and fixtures3-20 NOTE 3. CASH AND INVESTMENTS At August 31, 2014, the carrying amount of Texas Student Housing Authority-Ballpark Austin Project deposits (cash with interest bearing accounts and restricted cash held in interest bearing accounts) was $1,009,427,of which $228,364represented restricted cash. The following is the breakdown of the restricted cash. Restricted Cash Restricted cash representsamounts placed on deposit in accountsandheld by the Trustee, which are restricted for the payment of expenses as required by the Trust Indenture. 14 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT NOTES TO FINANCIAL STATEMENTS NOTE 3. CASH AND INVESTMENTS –CONTINUTED Restricted Cash–Continued At August 31, 2014,restricted cash consists of the following funds andaccounts: Operating Fund$ 7,082 Bond Fund - Series 2001A180,488 Bond Fund - Series 2001B 13,003 Bond Fund - Series 2001C 16 Debt Service Reserve 2001A Account2 Debt Service Reserve 2001B Account863 Repair and Replacement Fund2,020 Trustee Fee Fund706 Tax and Insurance Fund21,243 Series A Principal Fund3 Series B Principal Fund2,938 Total$228,364 The following is a brief description of the funds and accounts making up the restricted cash balance at year end, as defined by the Trust Indenture: Operating Fund-Amounts in the operating fund may be transferred to the property manager to fund operations if the transfer from the revenue fund is not sufficient to pay operating expenses. Amounts may also be transferred to the Bond Fund to pay principal and interest on the Bonds; to the extent there are insufficient monies in the Bond Fund on any interest payment date. Bond Fund-The Trustee makes monthly deposits in the bond fund pursuant to the Trust Indenture. Amounts in the Bond Fund shall be used solely to fund the payment of principal and interest on the Bonds, for the redemption of the Bonds at or prior to maturity, and to purchase Bonds on the open market. In the event of default, amounts in this fund may pay the fees and expenses of the Trustee prior to making any payments to the bondholders. This fund has three accounts, the Series 2001A, 2001B and the Series 2001C accounts. Debt Service Reserve 2001A Account-The amounts on deposit in this account are to be used for the purpose of paying principal and interest on the Series 2001A Bonds as they become due in the event there should be insufficient funds in the Bond Fund. Debt Service Reserve 2001B Account-The amounts on deposit in this account are to be used for the purpose of paying principal and interest on the Series 2001B Bonds as they become due in the event there should be insufficient funds in the Bond Fund. 15 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT NOTES TO FINANCIAL STATEMENTS NOTE 3. CASH AND INVESTMENTS –CONTINUTED Repair and Replacement Fund-Amounts in the Repair and Replacement Fund may be (a) used to pay the maintenance and repair costs related to the Ballpark AustinProperty, which the Projectis obligated to pay pursuant to the Trust Indenture and (b) transferred to the bond fund to pay principal of or interest on the Bonds to the extent there are insufficient monies in the bond fund. Trustee Fee Fund-Amounts are deposited in the trustee fee fund on a monthly basis and are intended to pay the fees to the Trustee at year end. Tax and Insurance Fund –The amounts on deposit in this account represent 1/12th of the ad valorem property taxes, if any, and 1/12th of the annual premiums for insurance due, determined in accordance with the annual budget. Series A Principal Fund-Amounts in the Series A principal fund represent sinking fund payments set aside for repayment of the principal balance on the Series A Bonds. Series B Principal Fund-Amounts in the Series B principal fund represent sinking fund payments set aside for repayment of the principal balance on the Series B Bonds. The Public Funds Investment Act (Government Code Chapter 2256) contains specific provisions in the areas of investment practices, management reportsand establishment of appropriate policies relating to a governmental entity’s cash and investments. Disclosure Relating to Interest Rate Risk Interest rate risk is the risk that changes in market interest rates will adversely affect the fair value of aninstrument. Generally, the longer the maturity of an investment the greater the sensitivity of its fair value to changes in market interest rates. Texas Student Housing Authority-Ballpark Austin Project is not significantly exposed to interest rate risk as all investments earn a variable rate. Disclosure Relating to Credit Risk Generally, credit risk is the risk that an issuer of an investment will not fulfill its obligation to the holder of the investment. This is measured by the assignment of a rating by a nationally recognized statistical rating organization. The Public Funds Investment Act has a minimum rating that is required for investments. Texas Student Housing Authority-Ballpark Austin Project holds all of its cash and investments with the bond trustee and commercial banks. Concentration of Credit Risk The investment policy of Texas Student Housing Authority-Ballpark Austin Project is subject to the indenture agreement of the Bonds. As of August 31, 2014, Texas Student Housing Authority-Ballpark Austin Project held all of its restricted cash balances with the trustee, which represents 29% of the total cash and investments held at August 31, 2014. 16 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT NOTES TO FINANCIAL STATEMENTS NOTE 3. CASH AND INVESTMENTS –CONTINUED Custodial Credit Risk Custodial credit risk for deposits is the risk that, in the event of the failure of a depository financial institution, a government will not be able to recover its deposits or will not be able to recover collateral securities that are in the possession of an outside party. The custodial credit risk for investments is the risk that, in the event of the failure of the counterparty to a transaction, a governmental will not be able to recover the value of its investment or collateral securities that are in the possession of another party. The Public Funds Investment Act does not contain legal or policy requirements that would limit the exposure to custodial credit risk for deposits or investments, other than the following provision for deposits: The Public Funds Investment Act requires that a financial institution secure deposits made by state or local governmental units by pledging securities in an undivided collateral pool held by a depository regulated under state law (unless so waived by the governmental unit). The market value of the pledged securities in the collateral pool must equal at least the bank balances less FDIC insurance at all times. As of August 31, 2014, $759,429of the Project’s $1,009,429bank balance was collateralized with a Bank Deposit Guarantee Bond from the Project’s depository. The remaining balance, $250,000, was covered by FDIC insurance. NOTE 4. CAPITAL ASSETS Capital asset activity for the Project for the yearended August 31, 2014was as follows: BeginningEnding BalanceAdditionsRetirementsBalalnce Capital assets, not being depreciated Land$ 4,788,265$ -$ -$4,788,265 Total capital assets, not being depreciated4,788,265--4,788,265 Capital assets, being depreciated Building21,345,305--21,345,305 Improvements, furniture and fixtures6,993,063--6,993,063 Total capital assets, being depreciated28,338,368--28,338,368 Less accumulated depreciation for: Building(8,300,952)(711,510)-(9,012,462) Improvements, furniture and fixtures(4,258,350)(149,166)-(4,407,516) Total accumulated depreciation(12,559,302)(860,676)-(13,419,978) Total capital assets, being depreciated, net15,779,066(860,676)-14,918,390 Capital assets, net$20,567,331$(860,676)$ -$19,706,655 17 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT NOTES TO FINANCIAL STATEMENTS NOTE 5. BONDS PAYABLE The bonds are tax-exempt governmental obligations under the Internal Revenue Code. The bonds payable represent amounts due to the bondholders, via the Trustee, and payable under the terms of the Trust Indenture dated December 1, 2001. The Bonds are payable solely from the revenues generated by the Projectand are secured bythe revenues pledged and assigned under the terms of the Trust Indenture. The Town of Westlake does not have any liability for the payment of the bonds as the bonds are non-recourse to both the Town of Westlake and Texas Student Housing Authority. Interest rates on the bondsrange from 4.00% to 11.00%and are payable semi-annually on July 1 and January 1 of each year thereafter. At August 31, 2014, the Project had not made interest payments on the subordinate 2001C Bond series since July 2003 and the subordinate 2001C Bond is in default. In addition, the Project’s fixed charges coverage ratio was not in compliance with the covenants of the Indenture. These conditions constitute an event of default which gives bondholders the right to accelerate and demand payment on the bonds in full. Generally accepted accounting principles require that if events of default occur, the liability should be disclosed as current on the financial statements. The following is a summary of long-term debt transactions of the Projectfor the yearended August 31, 2014: Amounts BeginningEndingDue Within BalalnceIncreasesDecreasesBalalnceOne Year Revenue Bonds 2001A Bonds$28,840,000$ -$ -$28,840,000$ 745,000 2001B Bonds2,365,000--2,365,00055,000 2001C Bonds3,000,000--3,000,000- Deferred purchase price1,460,000--1,460,000- Less: Discount(1,101,566)-60,085(1,041,481) - Total$34,563,434$ -$60,085$34,623,519$ 800,000 The Project has a deferred purchase commitment for $1,460,000 as part of the original purchase of the Project. The deferred purchase price accrues interest at a rate of 11% per annum. The first deferred purchase price installment shall be payable on September 1 of the first year after the Series C Bonds have been paid in full (scheduled final payment on Series C Bonds is in 2033), and the remaining installments shall be paid on each anniversary thereafter until the deferred purchase price and all interest thereon has been paid in full. As of August 31, 2014, there have been no payments made on the deferred purchase price. 18 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT NOTES TO FINANCIAL STATEMENTS NOTE 5. BONDS PAYABLE –CONTINUED The annual requirements to amortize all bondsoutstanding (excluding the deferred purchase price) as of August 31, 2014are as follows: Year EndingGovernmental Activities August 31,PrincipalInterestTotal Past Due$ 1,035,000$4,668,109$ 5,703,109 2015800,0001,962,8562,762,856 2016845,0001,916,9502,761,950 2017890,0001,868,5562,758,556 2018940,0001,817,4062,757,406 2019985,0001,763,5002,748,500 2020-20245,815,0007,901,63113,716,631 2025-20297,615,0006,009,18813,624,188 2030-203415,280,0006,893,43822,173,438 Totals$34,205,000$34,801,634$ 69,006,634 NOTE 6. NET POSITION Net positionrepresentthe residual assets after liabilities are deducted. Net position is reported in the following categories. Net Investment in Capital Assets –The component of net position that reports the capital assets less both accumulated depreciation and the outstanding balance of related debt, excluding unspent proceeds, that is directly attributable to the acquisition, construction, or improvement of these capital assets. Restricted Net Position –The component of net position calculated by reducing the carrying value of restricted assets by the amount of any related liabilities. Unrestricted –The residual difference between the assets and liabilities that is not reported in net investment in capital assets and restricted net position. NOTE 7. MANAGEMENT FEES Beginning June 1, 2004, the Project retained Asset Campus Management for property management and recorded property management fees of approximately $197,000for the year ended August 31, 2014. 19 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT NOTES TO FINANCIAL STATEMENTS NOTE 8. CONCENTRATIONS The Project consists of one property in Austin, Texas, and is dependent upon the Austin area and the higher education facilities in the Austin area for revenues. NOTE 9. CUMULATIVE EFFECT OF ADOPTION OF GASB STATEMENT NO. 65 As a result of the implementation of GASB Statement No. 65, Items Previously Reported as Assets and Liabilities, an adjustment has been made to write off all unamortized bond issuance costs from previous years. As a result, beginning net position has been reduced by $2,145,311. NOTE 10. GOING CONCERN The 2014 financial statements were prepared assuming the Project will continue as a going concern. The Project’s bonds payable are considered to be in default due to the discontinuance of certain principal and interest payments and a fixed charges coverage ratio of less than 1.0. These are considered an event of default by the Trustee, which gives the bondholders the right to accelerate and demand payment of the bonds in full. Management and the property manager attempted to develop and implementplans to increase occupancy and rental rates at the property to improve its financial performance; however, these plans were not successful in identifying sufficient funds to cure the existing maturity default. As a result, management and the bondholder entered into a termination agreement on June 18, 2014. NOTE 11. SUBSEQUENT EVENTS The Projecthas evaluated all events or transactions that occurred after August 31, 2014, and up through February 5, 2015, the date the financial statements were issued. Because one or more events of default had occurred under the terms of the Project’s bond indenture, the bondholder and bond insurer instructed the beneficiary (UMB Bank) to commence exercising beneficiary’s rights to foreclose under the deed of trust and to offer the property for sale toward the satisfaction of the Project’s indebtedness. On October 7, 2014, the Ballpark Austin property was soldinsatisfaction of the bonds. 20 SUPPLEMENTAL SCHEDULES TEXAS STUDENT HOUSING AUTHORITY –BALLPARK AUSTIN PROJECT SCHEDULE I-SCHEDULE OF REVENUES AND EXPENSES BUDGET AND ACTUAL FOR THE YEAR ENDED AUGUST 31, 2014 BudgetActualVariance REVENUE AND OTHER SUPPORT: Rental income$3,809,681$3,983,818$ 174,137 Other income99,00099,511511 Interest income-7878 Total revenue and other support 3,908,6814,083,407174,726 OPERATING EXPENSES Personnel expenses356,375366,402(10,027) Contract services64,72058,0886,632 Utilities608,390625,623(17,233) Travel2,7002,973(273) Repairs and maintenance80,39583,288(2,893) Turnover expenses532,195848,045(315,850) Advertising and promotion82,15073,2778,873 Administration expenses65,660166,501(100,841) Total operating expenses 1,792,5852,224,197(431,612) REVENUE AVAILABLE FOR FIXED CHARGES 2,116,0961,859,210(256,886) OTHER EXPENSES Management fees192,875197,122(4,247) Depreciation-860,676(860,676) Interest expense-3,417,687(3,417,687) Total other expenses 192,8754,475,485(4,282,610) EXCESS (DEFICIENCY) OF REVENUE OVER (UNDER) EXPENSES $1,923,221($ 2,616,275)($ 4,539,496) 21 TEXAS STUDENT HOUSING AUTHORITY–BALLPARK AUSTINPROJECT SCHEDULE II –CERTIFICATE OF THE FIXED CHARGES COVERAGE RATIO We are providing this letter, as required by the Trust Indenture by and between Texas Student HousingAuthority –Ballpark Austin Project (the Project) and the Bank of New York (the Trustee), datedDecember 1, 2001, relating to Texas Student Housing Authority –Ballpark Austin Project StudentHousing Revenue Bonds the “Indenture,” to certify the Fixed Charges Coverage Ratio as of August 31, 2014. The Fixed Charges Coverage Ratio is defined in the Indenture as the ratio of revenue available for fixedcharges to fixed charges. Further, fixed charges are defined in the Indenture as the sum of all cashoutflows related to the Project that the Issuer cannot avoid without violating long-term contractual orlegal obligations (those obligations which extend for a period greater than one year), including, but notlimited to, (i) interest on indebtedness other than short-term indebtedness, and (ii) scheduled paymentsof principal on indebtedness other than short-term indebtedness, provided that maximum annual debtservice shall be used for purposes of computing (i) and (ii) above. The audited financial statements indicate revenue available for fixed charges for the 12-month periodendedAugust 31, 2014, to be $1,859,210. Based on the above revenues and fixed charges utilizing Bond A and Bond B, we calculate that the fixed charges coverage ratio as of August 31, 2014, to be .76which is based on 12 months of operations. Based on the above revenues and fixed charges utilizing Bond A, Bond B and Bond C, we calculate that the fixed charges coverage ratio as of August 31, 2014, to be .66which is based on 12 months of operations. Based on the above budgeted revenues and fixed charges utilizing Bond A and Bond B, we calculate thatthe fixed charges coverage ratio as of August 31, 2014, to be .87which is based on 12 months ofoperations. 22