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HomeMy WebLinkAboutBallpark Audit 08-31-13TEXAS STUDENT HOUSING AUTHORITY BALLPARK AUSTIN PROJECT FINANCIAL REPORT AUGUST 31, 2013   TEXAS STUDENT HOUSING AUTHORITY BALLPARK AUSTIN PROJECT TABLE OF CONTENTS AUGUST 31, 2013 Page Number FINANCIAL SECTION Independent Auditors’ Report ............................................................................................. 1 – 3 Management’s Discussion and Analysis ............................................................................ 4 – 7 Financial Statements: Statement of Net Position ................................................................................................ 8 Statement of Revenues, Expenses and Changes in Net Position ..................................... 9 Statement of Cash Flows ................................................................................................. 10 Notes to Financial Statements .......................................................................................... 11 – 19 SUPPLEMENTAL SCHEDULES Schedule I – Schedule of Revenues and Expenses ............................................................. 20 Schedule II – Certificate of the Fixed Charges Coverage Ratio ......................................... 21 – 22 THIS PAGE LEFT BLANK INTENTIONALLY FINANCIAL SECTION THIS PAGE LEFT BLANK INTENTIONALLY INDEPENDENT AUDITORS’ REPORT To the Board of Directors Texas Student Housing Authority – Ballpark Austin Project Westlake, Texas We have audited the accompanying financial statements of Texas Student Housing Authority – Ballpark Austin Project (the “Project”), as of and for the year ended August 31, 2013, and the related notes to the financial statements, which collectively comprise the Project’s basic financial statements as listed in the table of contents. Texas Student Housing Authority – Ballpark Austin Project is a component unit of the Town of Westlake. Management’s Responsibility for the Financial Statements 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 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 from material misstatement. 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  ALBUQUERQUE, NM (505) 266-5904 2 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 entity’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. Opinions In our opinion, the financial statements referred to above present fairly, in all material respects, the respective financial position of the Project as of August 31, 2013 and the respective changes in financial position and, where applicable, cash flows thereof 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 I to the financial statements, the Project is in default on its bonds. This gives the bondholders the right to accelerate and demand payment on the bonds in full. These conditions raise substantial doubt about its ability to continue as a going concern. Management’s plans regarding these matters also are described in Note I. 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. Other Matters Required Supplementary Information Accounting principles generally accepted in the United States of America require that the management’s discussion and analysis on pages 4 through 7 be presented to 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 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 States of 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 of the limited procedures do not provide us with sufficient evidence to express an opinion or provide any assurance. 3 Other Information Our audit was conducted for the purpose of forming an opinion on the financial statements that collectively comprise the Project’s basic financial statements. The accompanying supplemental information is presented for purposes of additional analysis and is not a required part of the basic financial statements. The supplemental information is the responsibility of management and was derived from and relates directly 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 the audit 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 information are fairly stated, in all material respects, in relation to the basic financial statements as a whole. January 14, 2014 THIS PAGE LEFT BLANK INTENTIONALLY MANAGEMENT’S DISCUSSION AND ANALYSIS THIS PAGE LEFT BLANK INTENTIONALLY 4 MANAGEMENT’S DISCUSSION AND ANALYSIS As staff of the Texas Student Housing Authority (the “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 Project for the fiscal year ended August 31, 2013. We encourage readers to consider the information presented herein in conjunction with the Project’s financial statements which follow this section. As the Authority 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. FINANCIAL HIGHLIGHTS  The liabilities of the Project exceeded its assets at the close of the fiscal year by $19,553,532. This is a decrease of $1,652,825 over the prior year.  Operating revenue of $3,834,799 is $110,276 more than budget, and operating expense is $429,285 more than budget, not including depreciation and amortization.  At the end of the current fiscal year, the total cash balances were $380,577 in unrestricted cash and $1,119,010 in restricted cash. OVERVIEW OF THE FINANCIAL STATEMENTS This discussion and analysis is intended to serve as an introduction to the Project’s basic financial statements. The Project’s report consists of three parts, Management’s Discussion and Analysis, the basic financial statements, and notes to financial statements. The basic financial statements include a statement of net position, statement of revenues, expenses and changes in net position, a statement of cash flows and supplemental schedules. The Project is being treated as a going concern. The Project is in default on its bonds and is not financially able to make scheduled principal and interest payments on its outstanding debt. They are considered an event of default by the Trustee, which gives the bondholders the right to accelerate and demand payment of the bonds in full. Management and the property manager are in the process of developing plans to increase occupancy and rental rates at the property to improve its financial performance. 5 The statement of net position presents information on all of the Project’s assets and liabilities with the difference between the two reported as net position. 20132012 Current and other assets3,661,147$ 3,394,321$ Capital assets 20,567,331 21,428,008 Total assets 24,228,478 24,822,329 Long-term liabilities33,858,434 33,518,348 Other liabilities 9,923,576 9,204,688 Total liabilities 43,782,010 42,723,036 Net position Net investment in capital assets13,996,103)( 13,075,340)( Unrestricted 5,557,429)( 4,825,367)( Total net position 19,553,532)$( 17,900,707)$( Business-type Activities TABLE 1 TEXAS STUDENT HOUSING AUTHORITY - BALLPARK AUSTIN PROJECT NET POSITION 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. 20132012 Total operating revenue3,834,672$ 3,782,426$ Total operating expenses3,084,203 2,759,120 Total operating income750,469 1,023,306 Interest income127 - Interest expense2,403,421)( 2,689,697)( Total nonoperating loss2,403,294)( 2,689,697)( CHANGE IN NET POSITION 1,652,825)( 1,666,391)( NET POSITION, BEGINNING 17,900,707)( 17,334,572)( PRIOR PERIOD ADJUSTMENT - 1,100,256 NET POSITION, ENDING 19,553,532)$( 17,900,707)$( Business-type Activities TABLE 2 TEXAS STUDENT HOUSING AUTHORITY - BALLPARK AUSTIN PROJECT CHANGES IN NET POSITION The statement of cash flows recaps how cash changed from year to year. 6 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, 2013, these balances were as follows: Admin Exp Fund36,408$ Bond Fund, Series 2001A Senior Interest394,311 Bond Fund, Series 2001B Sub B13,002 Bond Fund, Series 2001C Sub C16 Debt Service Reserve 2001A Senior108,518 Debt Service Reserve 2001B Sub B863 Repair and Replacement Fund1,313 Minimum Scholarship Fund1,944 Trustee Fee Fund706 Tax and Insurance Fund166,541 Senior Bonds Principal392,450 Sub B Bond Principal 2,938 Total 1,119,010$ Nonrestricted cash. Nonrestricted cash is available for general use of the Project. Bonds payable. As of August 31, 2013, the following amounts on the Series A, B and C Bonds were owed: Series A28,840,000$ Series B 2,365,000 Series C 3,000,000 Deferred purchase price1,460,000 Less discounts 1,101,566)( Total 34,563,434$ 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 .73 and .65, respectively, and is thus technically in default of the indenture. 7 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, 2013, indicates a substantial increase to 100%; 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. FINANCIAL STATEMENTS THIS PAGE LEFT BLANK INTENTIONALLY ASSETS Current assets: Cash 380,577$ Restricted cash 1,119,010 Accounts receivable 16,249 Total current assets 1,515,836 Capital assets: Land 4,788,265 Other capital assets, net of accumulated depreciation 15,779,066 Total capital assets 20,567,331 Intangible assets: Deferred financing costs, net of amortization 2,145,311 Total intangible assets 2,145,311 Total assets 24,228,478 LIABILITIES Current liabilities: Accounts payable 224,618 Accrued liabilities 950,997 Unearned revenue and prepaid rent192,187 Accrued interest 7,850,774 Bonds payable 705,000 Total current liabilities 9,923,576 Long-term liabilities: Bonds payable 32,398,434 Deferred purchase price 1,460,000 Total long-term liabilities 33,858,434 Total liabilities 43,782,010 NET POSITION Net investment in capital assets13,996,103)( Unrestricted 5,557,429)( Total net position 19,553,532)$( The accompanying notes are an integral part of these financial statements. TEXAS STUDENT HOUSING AUTHORITY BALLPARK AUSTIN PROJECT STATEMENT OF NET POSITION AUGUST 31, 2013 8 THIS PAGE LEFT BLANK INTENTIONALLY OPERATING REVENUES Rental income 3,733,076$ Other income 101,596 Total operating revenues 3,834,672 OPERATING EXPENSES Personnel 338,583 Contract services 56,767 Utilities 588,850 Repairs and maintenance107,862 Turnover 431,063 Advertising and promotion56,941 Administration 274,739 Management fees 188,342 Depreciation 860,677 Amortization 180,379 Total operating expenses 3,084,203 OPERATING INCOME 750,469 NONOPERATING REVENUES (EXPENSES) Interest income 127 Interest expense 2,403,421)( Total nonoperating revenues (expenses)2,403,294)( CHANGE IN NET POSITION 1,652,825)( NET POSITION, BEGINNING 17,900,707)( NET POSITION, ENDING 19,553,532)$( The accompanying notes are an integral part of these financial statements. TEXAS STUDENT HOUSING AUTHORITY BALLPARK AUSTIN PROJECT STATEMENT OF REVENUES, EXPENSES FOR THE YEAR ENDED AUGUST 31, 2013 AND CHANGES IN NET POSITION 9 THIS PAGE LEFT BLANK INTENTIONALLY CASH FLOWS FROM OPERATING ACTIVITIES Cash received from tenants 3,675,889$ Miscellaneous other income 101,596 Cash paid to employees 330,606)( Cash paid to suppliers 1,633,614)( Net cash provided by operating activities 1,813,265 CASH FLOWS FROM CAPITAL AND RELATED FINANCING ACTIVITIES Interest paid 1,423,370)( Net cash used by capital and related financing activities 1,423,370)( NET CHANGE IN CASH AND CASH EQUIVALENTS 390,022 CASH AND CASH EQUIVALENTS, BEGINNING 1,109,565 CASH AND CASH EQUIVALENTS, ENDING 1,499,587$ RECONCILIATION OF OPERATING INCOME TO NET CASH PROVIDED BY OPERATING ACTIVITIES Operating income 750,469$ Adjustments to reconcile operating income to net cash provided by operating activities: Depreciation and amortization1,041,057 Changes in operating assets and liabilities: Accounts receivable 2,902 Trade accounts payable 70,949 Unearned revenue 60,089)( Accrued liabilities 7,977 Net cash provided by operating activities 1,813,265$ The accompanying notes are an integral part of these financial statements. TEXAS STUDENT HOUSING AUTHORITY BALLPARK AUSTIN PROJECT STATEMENT OF CASH FLOWS FOR THE YEAR ENDED AUGUST 31, 2013 10 THIS PAGE LEFT BLANK INTENTIONALLY 11 TEXAS STUDENT HOUSING AUTHORITY – BALLPARK AUSTIN PROJECT NOTES TO FINANCIAL STATEMENTS AUGUST 31, 2013 I. 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, 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. The Project 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 and between 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 present the operations of the Project, whose revenue streams are pledged for the bonds described herein. The 2013 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. 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 are in the process of developing and implementing plans to increase occupancy and rental rates at the property to improve its financial performance. II. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES A summary of the Project’s significant accounting policies consistently applied in the preparation of the accompanying financial statements 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 Nos. 39 and 61. The criterion used is as follows: 12 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) 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 on 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. B. 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 of accounting. Revenue is recognized when earned and expenses are recognized when they are incurred. Private-sector standards of accounting and financial reporting issued prior to December 1, 1989, generally are followed in both the government-wide and proprietary fund financial statements to the extent that those standards do not conflict with or contradict guidance of the Governmental Accounting Standards Board. Governments also have the option of following subsequent private-sector guidance for their business-type activities and Enterprise Funds, subject to this same limitation. The government has elected not to follow subsequent private- sector guidance. C. Assets, Liabilities and Net Position or Equity 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, 2013, the Project had no such investments included in cash and cash equivalents. In addition, the Project has restricted cash of $1,119,010 that is held by the trustee for the bonds payable under provisions of the trust indenture. During the year ended August 31, 2013, the Authority did not receive any investment income from cash. See Note III for risk disclosures and breakdown of restricted cash accounts. 13 Accounts Receivable Accounts receivable are stated at amounts management expects to collect from outstanding balances. Management writes off uncollectible amounts through a charge-off to expense. 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, 2013, management has determined that all accounts doubtful of collection have been charged to operations and an allowance is not required. Deferred Financing Costs Costs associated with the issuance of bonds are deferred and amortized over the term of the bonds. Advertising Costs All adverting costs are expensed as they are incurred. Advertising costs for the year ended August 31, 2013, were approximately $56,941. 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. Expenditures directly related to the improvement of property are capitalized at cost. The Project capitalizes the cost of roof replacements and expenditures for other major property improvements. The trust 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 Furniture, fixtures and equipment3 - 20 14 III. DETAILED NOTES ON ALL FUNDS A. Cash and Investments At August 31, 2013, 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 in total $1,499,587 of which $1,119,010 represented restricted cash. The following is the breakdown of the restricted cash. Restricted Cash Restricted cash represents amounts placed on deposit in accounts and held by the trustee, which are restricted for the payment of expenses as required by the trust indenture. At August 31, 2013, restricted cash consists of the following funds and accounts: Fund/Account Description Admin Exp Fund36,408$ Bond Fund, Series 2001A Senior Interest394,311 Bond Fund, Series 2001 B Sub B13,002 Bond Fund, Series 2001C Sub C16 Debt Service Reserve 2001A Senior108,518 Debt Service Reserve 2001B Sub B863 Repair and Replacement Fund1,313 Minimum Scholarship Fund1,944 Trustee Fee Fund706 Tax and Insurance Fund166,541 Senior Bonds Principal392,450 Sub B Bond Principal 2,938 Total 1,119,010$ 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: Revenue Fund – The Revenue Fund was established for monthly deposits from the depository account that holds general revenues of the Project. All monies are deposited in the Revenue Fund and then properly distributed to the other funds, as required by the trust indenture. Amounts in the fund at year-end represent amounts that have not been distributed to the other funds due to timing of the interfund transfers. 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. 15 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 Austin property, which the Project is 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. Surplus Fund – The trustee shall deposit any remaining amount in the Revenue Fund into the Surplus Fund. Amounts on deposit in the Surplus Fund will be released to the Project if certain release tests are satisfied. If the release tests are not satisfied, the trustee will retain the monies on deposit in the Surplus 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. 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. Operating Reserve Fund – Amounts in the Operating Reserve 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. Debt Service Reserve 2001 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. Project Fund – Amounts in the Project Fund are held and disbursed for costs of the Project. Residual Fund – Amounts in the Residual Fund related to three accounts – the Subordinate Bond Amortization Account – Series C, the Issuer Education Account and the Supplemental Management Fee Account. Based on release, tests funds are then transferred to each respective account. In addition, insurance funds are held to pay costs of maintaining insurance on the Project. Minimum Scholarship Fund – The amounts on deposit in this account represent the minimum annual scholarship amount determined as of the most recent Education Funds Transfer date. 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. 16 The Public Funds Investment Act (Government Code Chapter 2256) contains specific provisions in the areas of investment practices, management reports and establishment of appropriate policies relating to a governmental entity’s cash and investments. Interest Rate Risk Interest rate risk is the risk that changes in market interest rates will adversely affect the fair value of an instrument. 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. 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, 2013, the Project held all of its restricted cash balances with the trustee, which represents 74.6% of the total cash and investments held at August 31, 2013. 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 government 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, 2013, $101,217 of the Project’s $351,217 bank balance was collateralized with a Bank Deposit Guarantee Bond from the Project’s depository. The remaining balance, $250,000, was covered by FDIC insurance. 17 B. Capital Assets Capital asset activity for the Project for the year ended August 31, 2013, was as follows: BeginningEnding BalanceAdditionsRetirementsBalance Capital assets, not being depreciated: Land 4,788,265$ -$ -$ 4,788,265$ Total capital assets, not being depreciated 4,788,265 - - 4,788,265 Capital assets, being depreciated: Building21,345,305 - - 21,345,305 Improvements, furniture and fixtures 6,993,063 - - 6,993,063 Total capital assets, being depreciated 28,338,368 - - 28,338,368 Less accumulated depreciation for: Building7,589,442)( 711,510)( - 8,300,952)( Improvements, furniture and fixtures 4,109,184)( 149,166)( - 4,258,350)( Total accumulated depreciation 11,698,626)( 860,676)( - 12,559,302)( Total capital assets, being depreciated, net 16,639,742 860,676)( - 15,779,066 Capital assets, net 21,428,007$ 860,676)$( -$ 20,567,331$ C. 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 Project and are secured by the 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 bonds range from 4.00% to 11.00% and are payable semi-annually on July 1 and January 1 of each year thereafter. At August 31, 2013, 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 events do not constitute an event of default that accelerates the bonds. As a result, the maturities are presented under the original repayment terms. 18 The following is a summary of long-term debt transactions of the Project for the 12-month period ended August 31, 2013: 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, 2013, there have been no payments made on the deferred purchase price. The debt is to be amortized through 2033 with varying payment amounts ranging from $330,000 to $4,505,000 for interest and principal. The annual requirements to amortize all debts outstanding as of August 31, 2013, are as follows: D. Net Position Net position represent the residual assets after liabilities are deducted. These assets are reported in the following categories: Net Investment in Capital Assets – The component of net position that reports the difference between capital assets less both the accumulated depreciation and the outstanding balance of debt, excluding unspent proceeds, that is directly attributable to the acquisition, construction, or improvement of these capital assets. Amounts BeginningEndingDue WithinInterest BalanceIncreasesDecreasesBalanceOne YearPaid Revenue Bonds: 2001A Bonds28,840,000$ -$ 28,840,000$ 705,000$ 1,806,931$ 2001B Bonds2,365,000 - - 2,365,000 - 2001C Bonds3,000,000 - - 3,000,000 - - Deferred purchase price1,460,000 - - 1,460,000 - - Less discounts 1,161,651)( - 60,085)( 1,101,566)( - - Total 34,503,349$ -$ 60,085)$( 34,563,434$ 705,000$ 1,806,931$ Year Ending August 31,PrincipalInterestTotal 20141,035,000$ 2,006,275$ 3,041,275$ 2015800,000 1,962,856 2,762,856 2016845,000 1,916,950 2,761,950 2017890,000 1,868,556 2,758,556 2018940,000 1,817,406 2,757,406 2019-20235,510,000 8,218,281 13,728,281 2024-20287,210,000 6,433,000 13,643,000 2029-203312,470,000 4,062,075 16,532,075 2034-2038 4,505,000 - 4,505,000 Totals 34,205,000$ 28,285,399$ 62,490,399$ Governmental Activities 19 Restricted Net Position – The component of net position calculated by reducing the carrying value of restricted assets by the amount of any related debt outstanding. Unrestricted – The difference between the assets and liabilities that is not reported in net position net investment in capital assets and restricted net position. E. Management Fees Beginning June 1, 2004, the Project retained Asset Campus Management for property management and recorded property management fees of approximately $188,342 for the year ended August 31, 2013. F. Concentrations The Project consists of one property in Austin, Texas, and is dependent upon the Austin area and the higher education facilities in the Austin area for revenues. G. Commitments and Contingencies The Project has yet to have an arbitrage calculation performed for its outstanding debt. After that analysis, the Project may incur a liability for interest earned in accordance with Internal Revenue Service regulations. THIS PAGE LEFT BLANK INTENTIONALLY SUPPLEMENTAL SCHEDULES THIS PAGE LEFT BLANK INTENTIONALLY BudgetActualVariance REVENUES AND OTHER SUPPORT Rental income3,595,073$ 3,733,076$ 138,003$ Other income129,450 101,596 27,854)( Interest income - 127 127 Total revenues and other 3,724,523 3,834,799 110,276 OPERATING EXPENSES Personnel329,681 338,583 8,902)( Contract services83,520 56,767 26,753 Utilities533,227 588,850 55,623)( Repairs and maintenance87,670 107,862 20,192)( Turnover243,875 431,063 187,188)( Advertising and promotion89,000 56,941 32,059 Management fees185,509 188,342 2,833)( Administration 61,380 274,739 213,359)( Total operating expenses 1,613,862 2,043,147 429,285)( REVENUES AVAILABLE FOR FIXED CHARGES 2,110,661 1,791,652 319,009)( OTHER EXPENSES Depreciation and amortization- 1,041,056 1,041,056)( Interest expense - 2,403,421 2,403,421)( Total other expenses - 3,444,477 3,444,477)( EXCESS OF EXPENSES OVER REVENUES 2,110,661$ 1,652,825)$( 3,763,486)$( FOR THE YEAR ENDED AUGUST 31, 2013 TEXAS STUDENT HOUSING AUTHORITY BALLPARK AUSTIN PROJECT SCHEDULE I - SCHEDULE OF REVENUES AND EXPENSES BUDGET AND ACTUAL 20 CALCULATION OF FIXED CHARGES COVERAGE RATIO Total gross revenues 3,834,799$ Total expenses5,487,624)$( Add: Interest expense2,403,421 Depreciation and amortization1,041,056 Property management fees 188,342 Adjusted expenses 1,854,805)( Adjusted net operating income available to pay fixed charges 1,979,994$ Fixed charges/maximum principal and interest for fiscal year-end 3,032,544$ Fixed charges coverage ratio 0.65 Required ratio 1.15 Pass or fail Fail FOR THE YEAR ENDED AUGUST 31, 2013 TEXAS STUDENT HOUSING AUTHORITY BALLPARK SCHEDULE II - FIXED CHARGES COVERAGE RATIO 21 22 TEXAS STUDENT HOUSING AUTHORITY – BALLPARK AUSTIN PROJECT SCHEDULE II – CERTIFICATE OF THE FIXED CHARGES COVERAGE RATIO AUGUST 31, 2013 We are providing this letter, as required by the Trust Indenture by and between Texas Student Housing Authority – Ballpark Austin Project (the “Project”) and the Bank of New York (the “Trustee”), dated December 1, 2001, relating to Texas Student Housing Authority – Ballpark Austin Project Student Housing Revenue Bonds the “Indenture,” to certify the Fixed Charges Coverage Ratio as of August 31, 2013. The Fixed Charges Coverage Ratio is defined in the Indenture as the ratio of revenue available for fixed charges to fixed charges. Further, fixed charges are defined in the Indenture as the sum of all cash outflows related to the Project that the Issuer cannot avoid without violating long-term contractual or legal obligations (those obligations which extend for a period greater than one year), including, but not limited to, (i) interest on indebtedness other than short-term indebtedness, and (ii) scheduled payments of principal on indebtedness other than short-term indebtedness, provided that maximum annual debt service 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 period ended August 31, 2013, to be $1,979,994. 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, 2013, to be .73 which 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, 2013, to be .65 which is based on 12 months of operations. Based on the above budgeted revenues and fixed charges utilizing Bond A and Bond B, we calculate that the fixed charges coverage ratio as of August 31, 2013, to be .69 which is based on 12 months of operations. THIS PAGE LEFT BLANK INTENTIONALLY