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HomeMy WebLinkAboutCambridge Audit 08-31-08 I TEXAS STUDENT HOUSING AUTHORITY COLLEGE STATION PROJECT i FINANCIAL REPORT I AUGUST 31, 2008 TEXAS STUDENT HOUSING AUTHORITY COLLEGE STATION PROJECT TABLE OF CONTENTS AUGUST 31,2008 Page Number FINANCIAL SECTION Independent Auditors' Report............................................................................................. 1 -2 Management's Discussion and Analysis ............................................................................ 3 - 5 Financial Statements: Statementof Net Assets................................................................................................... 6 Statement of Revenues, Expenses and Changes in Net Assets........................................ 7 Statementof Cash Flows ................................................................................................. 8 Notes to Financial Statements.......................................................................................... 9- 16 SUPPLEMENTAL SCHEDULES Schedule I—Schedule of Revenues and Expenses............................................................. 17 Schedule II—Fixed Charges Coverage Ratio..................................................................... 18 PATTILLO, BROWN & HILL, L.L.P. CERTIFIED PUBLIC ACCOUNTANTS ■ BUSINESS CONSULTANTS INDEPENDENT AUDITORS' REPORT To the Board of Directors Texas Student Housing Authority— College Station Project Westlake, Texas We have audited the accompanying financial statements of Texas Student Housing Authority — College Station Project (the "Project"), as of and for the year ended August 31, 2008, which collectively comprise the Project's basic financial statements as listed in the table of contents. Texas Student Housing Authority — College Station Project is a component unit of the Town of Westlake. These financial statements are the responsibility of the Project's management. Our responsibility is to express an opinion on these financial statements 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 of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion. j i As discussed in Note I, the financial statements present only the Project and do not purport to, and do not, present fairly the financial position of Texas Student Housing Authority as of August 31, 2008, and the changes in its financial position and cash flows, where applicable, for the period then ended in conformity with accounting principles generally accepted in the United States of America. i In our opinion, the financial statements referred to above present fairly, in all material respects, the financial position of the Texas Student Housing Authority—College Station Project as of August 31, 2008, and the respective changes in financial position and where applicable, cash flows thereof for the year then ended in conformity with accounting principles generally accepted in the United States of America. The accompanying financial statements have been prepared assuming that Texas Student Housing Corporation— College Station Project will continue as a going concern. As discussed in Note II, H to the financial statements, the Project is in default on its certificates and certificate holders may choose to continue as a going concern. Management's plans in regard to these matters are discussed in Note II, H. The financial statements do not include any adjustments that might result from the outcome of this uncertainty. 1 401 WEST HIGHWAY 6■P.O.BOX 20725■WACO,TX 76702-0725■(254)772-4901 ■FAX:(254)772-4920■www.pbhcpa.com AFFILIATE OFFICES:BROWNSVILLE,TX(956)544-7778■HILLSBORO,TX(254)582-2583 TEMPLE,TX(254)791-3460■WHITNEY,TX(254)6944600■ALBUQUERQUE,NM(505)266-5904 The management's discussion and analysis on pages 3 through 5 is not a required part of the basic financial statements but is supplementary information required by accounting principles generally accepted in the United States of America. We have applied certain limited procedures, which consisted principally of inquiries of management regarding the methods of measurement and presentation of the required supplementary information. However, we did not audit the information and express no opinion on it. I Our audit was conducted for the purpose of forming an opinion on the financial statements that collectively comprise the business-type activities of Texas Student Housing Authority— College Station Project's basic financial statements. The accompanying supplementary information on pages 17 and 18 is presented for purposes of additional analysis and is not a required part of the basic financial statements. The supplemental information has been subjected to the auditing procedures applied in the audit of the basic financial statements and, in our opinion, is fairly stated in all material respects in relation to the basic financial statements taken as a whole. POD"/ January 14, 2009 2 MANAGEMENT'S DISCUSSION AND ANALYSIS s As staff of the Texas Student Housing Corporation (the "Corporation") — College Station Project (the "Project"), we offer the readers of the Project's financial statements this narrative overview and analysis of the financial activities of the Project for the fiscal year ended August 31, 2008. We encourage readers to consider the information presented herein in conjunction with the Project's financial statements which follow this section. As the Corporation is a component unit of the Town of Westlake and is thus considered a governmental entity, Governmental Accounting Standards Board Statement 34, Basic Financial Statements—and Management's Discussion and Analysis for State and Local Governments has been implemented. The reader should note that this financial report addresses only the financial condition of the Project itself for 2008. FINANCIAL HIGHLIGHTS I • The liabilities of the Project exceeded its assets at the close of the fiscal year by $4,730,505 due primarily to a decrease in net assets of$1,366,700. • Major components of the expense overage were $130,611 in administrative and marketing, and $58,979 in repairs and maintenance expenses. • At the end of the current fiscal year, the total cash balances were $3,992,273 in unrestricted cash and $928,518 in restricted cash. t OVERVIEW OF THE FINANCIAL STATEMENTS This discussion and analysis is intended to serve as an introduction to the Project's basic financial statements. The Project's report consists of three parts, Management's Discussion and Analysis, the basic financial statements, and notes to financial statements. The basic financial statements include a statement of net assets, statement of revenues, expenses and changes in net assets, a statement of cash flows and supplemental schedules. The Project is being treated as a going concern. The Project is in default on its certificates 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 certificate holders the right to accelerate and demand payment of the certificates 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. The statement of net assets presents information on all of the Project's assets and liabilities with the difference between the two reported as net assets. 3 The statement of revenues, expenses and changes in net assets accounts for all of the Authority's revenues and expenses regardless of when cash is paid or received. The statement of cash flows recaps how cash increased year over year. 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 Installment Sale Agreement. As of August 31, 2008, these balances were as follows: Replacement Fund $ 202,655 Series A Reserve Fund 3,186 Series B Reserve Fund 156,827 Series A Interest Account 232,045 Series A Principal Account 103,678 Series B Interest Account 62,000 Series B Principal Fund 93,333 Transaction Costs Payment Fund 32,457 Series D Interest Account 40,187 Current Receipts Fund 2,150 Total $ 928,518 Nonrestricted cash. Nonrestricted cash is available for general use of the Project. Installment note payable. The Project's developer refinanced the original Installment Sale Agreement effective December 1, 2004, by issuing debt certificates in the following classes: Series A $ 17,220,000 Series B 4,650,000 Series C 4,820,000 Series D 5,380,000 Total $ 32,070,000 The note is payable at the rate of$231,545 monthly. Fixed Charge Coverage Ratio The Installment Sale Agreement provides for a fixed charges coverage ratio of 1.1. At this time, the Project has only realized a ratio of 1.06 and is thus technically in default of the Agreement. Upon default, the lender may accelerate maturity of the unpaid portion of the principal, however, it is not anticipated that this event will incur since foreclosure by the certificate holders would result in the loss of the Project's tax-exempt status. 4 I I, i ECONOMIC FACTORS AND NEXT YEAR'S BUDGET i Leases at the Project have a duration that encompasses the school year, primarily the months of September through May. The June to August revenue is dependent on the ability to attract various camps/meetings. As the Project is tax-exempt through the Texas Higher Education Act, only those functions sponsored by the University are eligible for acceptance. The occupancy for this school year is 100%, thus the focus for this year will be on increasing this "summer"revenue. Although the fixed charges coverage ratio was only 1.06, all of the A and B certificate holders received all proceeds due them. The 2008/2009 budget clearly indicates that operating income will be sufficient ! to again service the A and B certificates. s 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. 5 P f TEXAS STUDENT HOUSING AUTHORITY COLLEGE STATION PROJECT STATEMENT OF NET ASSETS AUGUST 31,2008 ASSETS Current assets: Cash $ 3,992,273 Restricted cash 928,518 Accounts receivable,net of$64,045 allowance 791,135 Prepaid expenses 18,227 Total current assets 5,730,153 Capital assets: Land 2,899,597 Other capital assets,net of accumulated depreciation 24,947,732 27,847,329 Total capital assets 27,847,329 Total assets 33,577,482 i LIABILITIES j Current liabilities: Accounts payable 245,863 Accrued expenses 428,938 Deferred revenue and prepaid rent 2,562,422 Accrued interest 3,000,764 Installment loan payable 32,070,000 Total current liabilities 38,307,987 NET ASSETS Invested in capital assets,net of related debt ( 4,222,671) Unrestricted ( 507,834) Total net assets $( 4,730,505) The accompanying notes are an integral part of these financial statements. 6 TEXAS STUDENT HOUSING AUTHORITY COLLEGE STATION PROJECT STATEMENT OF REVENUES,EXPENSES AND CHANGES IN NET ASSETS FOR THE YEAR ENDED AUGUST 31,2008 OPERATING REVENUES Rental $ 5,945,851 Other 54,748 Total operating revenues 6,000,599 OPERATING EXPENSES Management fees 274,058 Administration and marketing 904,016 Cafeteria 861,747 Utilities 689,788 Repairs and maintenance 468,335 Insurance 67,757 Depreciation and amortization 1,356,620 Total operating expenses 4,622,321 I OPERATING INCOME 1,378,278 NONOPERATING REVENUES (EXPENSES) Interest revenue 721935 Interest expense ( 2,817,913) Total nonoperating revenues (expenses) ( 2.744.978) CHANGE IN NET ASSETS ( 1,366,700) NET ASSETS, BEGINNING ( 3,363,805) NET ASSETS, ENDING $( 4,730,505) The accompanying notes are an integral part of these financial statements. 7 TEXAS STUDENT HOUSING AUTHORITY COLLEGE STATION PROJECT STATEMENT OF CASH FLOWS FOR THE YEAR ENDED AUGUST 31,2008 CASH FLOWS FROM OPERATING ACTIVITIES Cash received from tenants $ 5,472,919 Other operating revenues 54,748 Cash paid to employees ( 779,101) Cash paid to suppliers ( 2,780,702) Net cash provided by operating activities 1,967,864 CASH FLOWS FROM CAPITAL AND RELATED FINANCING ACTIVITIES Principal repayments on bonds ( 275,000) Interest paid ( 1,598,475) Net cash provided by capital and related financing activities ( 1,873,475) CASH FLOWS FROM INVESTING ACTIVITIES Interest received 72,935 Net cash provided by investing activities 72,935 yy NET CHANGE IN CASH AND CASH EQUIVALENTS 167,324 4 CASH AND CASH EQUIVALENTS,BEGINNING 4,753,467 CASH AND CASH EQUIVALENTS,ENDING $ 4,920,791 Cash $ 3,992,273 Restricted cash 928,518 Total cash and cash equivalents $ 4,920,791 RECONCILIATION OF OPERATING INCOME TO NET CASH PROVIDED BY OPERATING ACTIVITIES Operating income $ 1,378,278 Adjustments to reconcile operating income to net cash provided by operating activities: Depreciation 1,356,620 Changes in operating assets and liabilities: Accounts receivable ( 356,279) Accounts payable ( 62,738) Accrued liabilities 124,915 Deferred revenue and prepaid rent ( 472,932) Net cash provided by operating activities $ 1,967,864 The accompanying notes are an integral part of these financial statements. 8 TEXAS STUDENT HOUSING AUTHORITY— COLLEGE STATION PROJECT NOTES TO FINANCIAL STATEMENTS AUGUST 31,2008 I. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Operations Texas Student Housing Authority — College Station Project (the "Project"), a duly constituted authority of the Town of Westlake, Texas (the "Town") pursuant to Section 53.35(b) of the Texas Education Code, as amended (the "Act"). The Authority was established to acquire educational facilities and housing facilities to be used by the students, faculty and staff of institutions of higher education within the State of Texas. The Project's purpose is to own and operate a student housing facility known as Cambridge at College Station (the "College Station Project") in College Station, Texas. ; The College Station Project was purchased from Cambridge Student Housing Development, L.P. (the "Developer") effective September 1, 2004. The Project obtained its financing through a seller-financed installment sale agreement. The accompanying financial statements present the operations of the Project, whose revenues are pledged for the installment note described herein. The College Station Project is operated and managed under the terms of the First Amended and Restated Property Project Management and Leasing Agreement by and between the Authority and Asset Campus Housing, Inc. for the period audited. The Project's significant accounting policies are as follows: A. 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 Statement No. 39. (continued) 9 I. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) A. Reporting Entity (Continued) The criteria set forth require governmental reporting entities to determine their primary government for the purposes of annual reporting. 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 dependent regardless of whether the organization has a separately elected governing board appointed by a higher level of government or a jointly appointed board. B. Measurement Focus and Basis of Accounting I The Project uses the "net income and capital maintenance" measurement focus. This means that all assets, liabilities, equity, revenues, and expenses are accounted for using the accrual basis of accounting. Such standards are generally in accordance with the reporting standards of income producing real estate projects owned in the private sector. Revenue is recognized when earned and expenses are recognized when they are incurred. In applying the requirements of GASB Statement No. 20, the Project has chosen to apply all applicable GASB pronouncements as well as Financial Accounting Standards Board pronouncements issued on or before November 30, 1989, unless those pronouncements conflict with or contradict GASB pronouncements. C. Capitalization, Depreciation and Impairment Policies Property and Depreciation Property and equipment are recorded at cost. Such costs include carpet and appliance replacements. Expenditures for routine maintenance and repairs are expensed as incurred. Property and equipment are depreciated using the straight-line method over the following useful lives: Buildings 30 years Improvements 15 years Equipment,furniture and fixtures 5 -20 years (continued) 10 I. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) D. Assets, Liabilities and Net Assets or Equity Cash and Cash Equivalents For the purpose of the statement of cash flows, the Project considers unrestricted cash and highly liquid investments with maturities of three months or less at the date of purchase to be cash and cash equivalents. Concentration of Credit Risk As of and during the year ended August 31, 2008, the Project had cash deposits with financial institutions in excess of the $250,000 amount insured by the Federal Deposit Insurance Corporation. Any amounts over the FDIC limit are insured with pledged securities by the Project's depository. I Taxes The Project is an instrumentality of the Town of Westlake, therefore, its income is not subject to federal income taxation pursuant to Section 115 of the Internal Revenue Code. Additionally,the Project is exempt from local property taxes. Accounts Receivable Accounts receivable are stated at amounts management expects to collect from outstanding I balances. Management writes off uncollectible amounts through a reduction to revenue and a I 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. Advertising Costs All advertising costs are expensed as they are incurred. Advertising costs for the year ended August 31, 2008, were approximately$90,390. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. 11 II. DETAILED NOTES ON ALL FUNDS A. Restricted Cash Restricted cash represents amounts held in escrow, which are restricted for the payment of expenses as required by the installment sale agreement. As of August 31, 2008, restricted cash consists of the following: Replacement Fund $ 202,655 Series A Reserve Fund 3,186 Series B Reserve Fund 156,827 Series A Interest Account 232,045 Series A Principal Account 103,678 Series B Interest Account 62,000 Series B Principal Fund 93,333 Transaction Costs Payment Fund 32,457 Series D Interest Account 40,187 Current Receipts Fund 2,150 Total $ 928,518 I The following is a brief description of the funds and accounts comprising the restricted cash balance at year-end, as defined by the installment sale agreement and the trust agreement: Replacement Fund—Amounts in the Replacement Fund may be used to pay the maintenance and repair costs related to the College Station Property, which the Project is obligated to pay pursuant to the installment sale agreement. Series A Reserve Fund—The amounts on deposit in this account were required to be contributed by the Developer and are to be used for the purpose of paying principal and interest on the Series A certificates as they become due in the event there should be insufficient funds in the Debt Service Fund. Series R Reserve Fund—T he amounts on deposit iii this account were required to be contributed by the Developer and are to be used for the purpose of paying principal and interest on the Series B certificates as they become due in the event there should be insufficient funds in the Debt Service Fund. Series A Principal Fund — Amounts in the Series A Principal Fund represent payments set aside for the repayment of the principal balance on the Series A certificates. Transaction Costs Payment Fund— Amounts in the Transaction Costs Payment Fund are to be used to pay for debt issuance costs. (continued) 12 II. DETAILED NOTES ON ALL FUNDS (Continued) A. Restricted Cash (Continued) Debt Service Fund — Amounts in the Debt Service Fund are to be used to accumulate funds that are used to pay debt service costs. Series D Interest Fund — Amounts in the Series D Interest Fund are used to accumulate funds to pay interest on the Series D certificates. Current Receipts Fund—Amounts in the Current Receipts Fund are to be used to accumulate funds from the collections of rent payments and other income from the College Station Project. B. Installment Note Payable The Project's installment note payable is summarized as follows: Interest Lender/Security/Due Date Rate Balance Cambridge Student Housing Financing Company, L.P.; substantially all assets and assignment of rents; due November 1,2039 8.00% $ 32,070,000 The Project's installment note is payable monthly with principal and interest payments of $231,545 until November 1, 2039. The following is a summary of long-term debt transactions of the Project for the year ended August 31, 2008: Amounts Beginning Ending Due Within Balance Increases Decreases Balance One Year Installment note $ 32,345,000 $ - $ 275,000 $ 32,070,000 $ 32,070,000 The Project's original Developer refinanced the installment note through a secondary offering with Cambridge Student Housing Financing Company, L.P. The debt certificates were sold to private investors in the following classes: Class(Series) Offering Total A $ 17,500,000 B 4,900,000 C 4,820,000 D 5,380,000 Total $ 32,600,000 (continued) 13 II. DETAILED NOTES ON ALL FUNDS (Continued) B. Installment Note Payable (Continued) Each class has certain rights and privileges, as contained in the private placement memorandum. As a part of the offering, the Project entered into a trust agreement with J. P. Morgan Trust Company, N.A. (the "Trustee") for the purpose of determining that each class is paid in accordance with the private placement memorandum. At August 31, 2008, the Project was not in compliance with the fixed charge coverage ratio. Should the project default,the lender may accelerate the maturity of the unpaid portion of the principal payable under the installment sale agreement. However, the Authority does not anticipate this event will occur, since foreclosure by private interests would result in the loss of tax-exempt status for the Project. C. Capital Assets Capital asset activity for the Project for the year ended August 31, 2008, was as follows: Beginning Prior Period Ending Balance Increase Decrease Adjustment Balance Capital assets,not being depreciated: Land $ 2,899,597 $ $ - $ - $ 2,899,597 Total capital assets, not being depreciated 2,899,597 - - 2,899,597 3 Capital assets,being depreciated: Building 27,727,646 - 27,727,646 Furniture and fixtures 2,594,804 - - 2,594,804 Total capital assets, being depreciated 30,322,450 - - - 30,322,450 Less accumulated depreciation for: Building ( 2,738,798) ( 8717729) ( 3;610,527) Furniture and fixtures ( 1,279,299) ( 484,892) - ( 1,764,191) Total accumulated depreciation ( 4,018,097) ( 1,356,621) - - ( 5,374,718) Total capital assets, being depreciated,net 26,304,353 ( 1,356,621) - - 24,947,732 Capital assets,net $ 29,203,950 $( 1,356,621) $ $ - $ 27,847,329 (continued) 14 II. DETAILED NOTES ON ALL FUNDS (Continued) D. Geography and Concentration Resident leases generally have a duration that encompasses the school year. This enables the Project to pass on inflationary increases in operating expenses on a timely basis; however, this exposes the Project to rental rate decreases during economic downturns. Additionally, competition from nearby university housing properties in College Station, Texas influences the housing rates charged to students. Despite these risks, the Project believes there will be a continued strong demand for its dwelling units. E. Net Assets Net assets represent the residual assets after liabilities are deducted. Net assets are reported in the following categories. Invested in Capital Assets, Net of Related Debt—consists of capital assets, net of accumulated depreciation and reduced by outstanding balances for certificates, notes, and other debt that are attributed to the acquisition, construction, or improvement of those assets. Restricted for Debt Service—consists of net assets for which conditions are either externally imposed by creditors, grantors and the like, or imposed by law through constitutional provisions or enabling legislation. At August 31, 2008, the total funds available for debt service were less than the accrued interest due at August 31, 2008. As a result,net assets restricted for debt service is shown at zero. Unrestricted—available for general use of the Project without restriction. F. Management Fees/Related Party Transactions The Project pays Asset Campus Housing asset management fees for the management of the College Station Property. The Project recorded property management fees of approximately $280,800 for the period ended August 31, 2008. Administration and marketing expenses include approximately $96,346 for administrative fees earned by Texas Student Housing Authority. There were no administrative fees included in accounts payable at August 31, 2008. G. Commitments and Contingencies During fiscal year 2006, the Brazos County Tax — Assessor's office filed suit against the Project in order to eliminate the Project's tax-exempt status. This would force the Project to begin paying property taxes on the property owed by the Project. The County is also seeking back property taxes previously not paid as the Project was under tax-exempt status. The status of this suit is unknown at this time and a liability has not been booked. Should the county prevail, the Project would owe the county a material amount of property taxes, from both current and prior periods. (continued) 15 II. DETAILED NOTES ON ALL FUNDS (Continued) G. Commitments and Contingencies (Continued) The Project has not yet to have an arbitrage calculation performed for its outstanding debt. After that analysis, the Project may incur a liability for interest earned in accordance with Internal Revenue Service regulations. H. Going Concern The 2007 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 partial non- payment of principal and interest payments. 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. This condition raises substantial doubt about the Project's ability to continue as a going concern. Management and the property manager are in the process of developing and implementing plans to increase occupancy and rental rates at the property to improve its financial performance. I i 16 I I I I I i SUPPLEMENTAL SCHEDULES TEXAS STUDENT HOUSING AUTHORITY COLLEGE STATION PROJECT SCHEDULE I-SCHEDULE OF REVENUES AND EXPENSES BUDGET AND ACTUAL FOR THE YEAR ENDED AUGUST 31,2008 Budget Actual Variance REVENUES AND OTHER SUPPORT Rental $ 4,610,924 $ 55945,851 $ 1,334,927 Other 510,623 54,748 ( 455,875) Interest 69,522 72,935 3,413 Total revenues and other support 5,191,069 6,073,534 882,465 I OPERATING EXPENSES Admimstrative and marketing 773,405 904,016 ( 130,611) Cafeteria 822,561 861,747 ( 39,186) Utilities 675,133 689,788 ( 14,655) Repairs and maintenance 409,356 468,335 ( 58,979) Insurance 208,200 67,757 140,443 Total operating expenses 2,888,655 2,991,643 ( 102,988) REVENUE AVAILABLE FOR FIXED CHARGES 2,302,414 3,081,891 779,477 OTHER EXPENSES Management fees 280,800 274,058 6,742 Depreciation and amortization 1,356,620 1,356,620 - Interest 2,817,913 21817,913 - Total other expenses 4,455,333 4,448,591 6,742 EXCESS OF EXPENSES OVER REVENUES $( 2,152,919) $( 15366,700) $ 786,219 17 TEXAS STUDENT HOUSING AUTHORITY COLLEGE STATION PROJECT SCHEDULE II-FIXED CHARGES COVERAGE RATIO FOR THE YEAR ENDED AUGUST 31,2008 CALCULATION OF FIXED CHARGES COVERAGE RATIO Total gross revenues $ 6,073,534 Total expenses $( 7,440,234) Add: Interest 2,817,913 Depreciation and amortization 1,356,620 Property management fees in excess of base property management fee 124,915 Adjusted expenses ( 3,140,786) I Adjusted net operating income available to pay fixed charges $ 2,932,748 Fixed charges/maximum principal and interest for fiscal year-end $ 2,778,540 i I Fixed charges coverage ratio 1.06 Required ratio 1.10 Pass or fail Fail 18