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Mike Gaffron -Orno model (1).xls THE YEARS ENDING DECEMBER 31,2002,2003 2004,2005 AND 2006 Page 23 a <br /> Interest income 3.0% 3.0% 3.0% 3.0% 3.0% <br /> Income increase 3.0% <br /> Expense increase 4.0% <br /> ORONO SENIOR HOUSING,LLC <br /> FORECASTED SCHEDULES OF DEBT SERVICE COVERAGE <br /> FOR THE TWO MONTHS ENDING DECEMBER 31,2001 AND <br /> THE YEARS ENDING DECEMBER 31,2002,2003,2004,2005 AND 2006 <br /> 2001 <br /> (2 Months) 2002 2003 2004 2.005 2006 <br /> Changes in net assets(deficit), unrestricted: <br /> Revenue: <br /> Residential $- $115,668 $783,222 $845,351 $870,711 $896,832 <br /> Parking - 4,453 30,154 32,546 33,522 34,528 <br /> Interest income 9,734 61,429 67,806 66,144 64,463 62,660 <br /> Total revenue 9,734 181,550 881,182 944,041 968,696 994,021 <br /> Expenses: <br /> Salaries - 3,328 20,767 21,597 21,597 21,597 <br /> Contract services - 3,562 22,225 23,114 23,114 23,114 <br /> Utilities - 8,947 55,827 58,060 58,060 58,060 <br /> Real estate taxes - 18,228 75,828 78,862 82,016 85,297 <br /> General and administrative - 1,600 9,984 10,383 10,799 11,231 <br /> Insurance - 1,250 7,800 8,112 8,112 8,112 <br /> Professional fees - 417 2,600 2,704 2,704 2,704 <br /> Repairs and maintenance - 1,997 12,461 12,960 12,960 12,960 <br /> Management fee - 4,805 32,535 35,116 36,169 37,254 <br /> Letter of credit fee - 625 3.750 3,750 3,750 3,750 <br /> Replacement reserve - 1,550 9,300 9,300 9,300 9,300 <br /> Interest - 122,638 510,830 504,905 492,096 478,087 <br /> Depreciation - 42,135 252,809 252,809 252,809 252,809 <br /> Amortization - 11,479 68,873 68,873 68,873 68,873 <br /> Total expenses - 222,560 1,085,590 1,090,546 1,082,360 1,073,149 <br /> Increase in net assets(deficit),unrestricted 9,734 (41,010) (204,408) (146,505) (113,663) (79,128) <br /> Addback: <br /> Interest - 122,638 510,830 504,905 492,096 478,087 <br /> Depreciation - 42,135 252,809 252,809 252,809 252,809 <br /> Amortization - 11,479 68,873 68,873 68,873 68,873 <br /> Subordinated portion of management fee(50%) - 2,402 16,268 17,558 18,085 18,627 50.01 <br /> Collection of notes receivable 3,225 20,158 21,615 23,178 24,854 26,650 <br /> Cash available for debt service $12,959 $157,803 $665,988 $720,819 $743,053 $765,919 <br /> Debt service payments(Series A and B): <br /> Bond principal paid - - - 85,000 95,000 100,000 <br /> Bond interest paid and accrued 20,347 488,330 488,330 484,930 477,730 470,595 <br /> Less:payments from capitalized interest fund (20,347) (488,330) (54,151) - - - <br /> Total debt service payments $-_ $-. $434.179_ $569,930 $572,730 $570,595 <br /> Debt service coverage ratio - 1.53 1.26_ 1.30. 1.34 <br /> Debt service payments(Series A,B and C): <br /> Bond principal paid - - - 85,000 95,000 100,000 <br /> Bond interest paid and accrued 20,347 488,330 488,330 484,930 477,730 470,595 <br /> Less:payments from capitalized interest fund (20,660) (510,830) (56,646) - - - <br /> Subordinated debt principal paid - - - 56,107 68,550 84,193 <br /> Subordinated interest paid and accrued 313 22,500 22,500 19,975 14,366 7,492 <br /> Total debt service payments $- $- $454,184 $646,012 $655,646 $662,280 <br /> Debt service coverage ratio - - 1.47 1.12 1.13 1.16 <br /> See accompanying summary of significant assumptions and accounting policies and report of independent public accountants. <br />