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SMITH CONCRETE CONSTRUCTION, LLC
FINANCIAL STATEMENTS
(Reviewed)
Year Ended December 31,2005
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CONTENTS
Page
INDEPENDENT ACCOUNT ANTS' REVIEW REPORT
1
FINANCIAL STATEMENTS
Balance sheet
Statement of income
Statement of members' equity
Statement of cash flows
Notes to financial statements
2
3
4
5 and 6
7-12
INDEPENDENT ACCOUNT ANTS' REVIEW REPORT ON THE
SUPPLEMENTARY INFORMATION
13
SUPPLEMENTARY INFORMATION
Schedule of contract revenues, costs and gross profits
Schedule of contracts in process
Schedule of general and administrative expenses
14
15
16
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Deming, Malone, Livesay & Ostroff
Certified Public Accountants
INDEPENDENT ACCOUNTANTS' REVIEW REPORT
To the Members
Smith Concrete Construction, LLC
Hillview, Kentucky
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We have reviewed the accompanying balance sheet of Smith Concrete Construction, LLC
as of December 31, 2005, and the related statements of income, members' equity and cash flows
for the year then ended, in accordance with Statements on Standards for Accounting and Review
Services issued by the American Institute of Certified Public Accountants. All of the
information included in these financial statements is the representation of the management of
Smith Concrete Construction~ LLC.
A review consists principally of inquiries of Company personnel and analytical
procedures applied to financial data. It is substantially less in scope than an audit in accordance
with generally accepted auditing standards, the objective of which is the expression of an opinion
regarding the financial statements taken as a whole. Accordingly, we do not express such an
OpInIOn.
Based on our review, we are not aware of any material modifications that should be made
to the accompanying financial statements in order for them to be in conformity with generally
accepted accounting principles.
06)Ao<~1 'h;~/~ J rP4~
Louisville, Kentucky
February 7, 2006
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9300 Shelbyville Road . Suite 1100 . Louisville, Kentucky 401222-5187 · Phone: (502) 426-9660 · Fax: (502) 425-0883
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LIABILITIES AND MEMBERS' EQUITY
CURRENT LIABILITIES
Accounts payable
Accrued expenses and other liabilities
Line of credit
Current maturities of long-term debt
Current maturities of capital lease obligations
Billings in excess of costs and estimated earnings
on uncompleted contracts
$ 76,325
214,932
40,414
47,066
22,654
158
401,549
Total current liabilities
LONG-TERM DEBT, net of current maturities
255,363
OBLIGATIONS under capital leases
10,842
MEMBERS' EQUITY
728,100
TOT AL LIABILITIES AND MEMBERS' EQUITY
$ 1,395,854
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SMITH CONCRETE CONSTRUCTION, LLC
STATEMENT OF INCOME
Year Ended December 31, 2005
See Independent Accountants' Review Report
See Notes to Financial Statements.
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SMITH CONCRETE CONSTRUCTION, LLC
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STATEMENT OF MEMBERS' EQUITY
Year Ended December 31, 2005
See Independent Accountants' Review Report
Balance, beginning of year
Net income
Balance, end of year
See Notes to Financial Statements.
4
$ 146,054
582,046
$ 728,100
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SMITH CONCRE~E CONSTRUCTION, LLC
ST A TEMENT OF CASH FLOWS
Year Ended December 31, 2005
See Independent Accountants' Review Report
Cash flows from operating activities:
Cash received from construction contracts
Cash paid to suppliers and employees
Interest received
Interest paid
Income taxes paid
Net cash provided by operating activities
Cash flows from investing activities:
Payments for property and equipment
Proceeds from sale of vehicles
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Net cash used in investing activities
Cash flows from financing activities:
Payments on related party notes, net
Payments on line of credit, net
Principal payments on long-term debt
Proceeds from long-term borrowings
Net cash provided by financing activities
Net increase in cash and cash equivalents
Cash and cash equivalents at beginning of year
Cash and cash equivalents at end of year
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$ 4,586,713
( 4,300,906)
154
(36,973)
(30,944)
218,044
(245,142)
21,460
(223,682)
(5,535)
(84,586)
(57,592)
279,812
132,099
126,461
$ 126,461
SMITH CONCRETE CONSTRUCTION, LLC
STATEMENT OF CASH FLOWS
Year Ended December 31, 2005
See Independent Accountants' Review Report
RECONCILIATION OF NET INCOME TO NET
CASH PROVIDED BY OPERATING
ACTIVITIES
Net income $ 582,046
Adjustments to reconcile net income to net cash
provided by operating activities:
Depreciation and amortization 81,259
Gain on sale of assets (5,045)
Decrease (increase) in:
Accounts receivable (267,619)
Costs and estimated earnings in excess of billings
~ on uncompleted contracts 35,879
Increase (decrease) in:
Checks issued in excess of cash on deposit (12,808)
Accounts payable (387,976)
Accrued expenses and other liabilities 192,150
Billings in excess of costs and estimated earnings
on uncompleted contracts 158
Total adjustments (364,002)
Net cash provided by operating activities $ 218,044
Supplemental schedule of non-cash tansactions:
During 2005, the company obtained equipment for $35,003 through a capital lease.
See Notes to Financial Statements.
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Note 1.
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SMITH CONCRETE CONSTRUCTION, LLC
NOTES TO FINANCIAL STATEMENTS
See Independent Accountants' Review Report
Nature of Operations and Significant Accounting Policies
Nature of operations:
The Company operates III the concrete construction industry, primarily III
Kentucky.
Significant accounting policies:
Revenue and cost recognition:
The Company recognizes income from fixed-price and modified fixed-price
construction contracts on the percentage-of-completion method, measured by
the percentage of cost incurred to date to estimated total cost for each contract.
That method is used because management considers total cost to be the best
available measure of progress on the contracts. Because of inherent
uncertainties in estimating costs, it is at least reasonably possible that the
estimates used will change within the near term.
Contract costs include all direct material and labor costs and those indirect
costs related to contract performance. Selling, general and administrative costs
are charged to expense as incurred. Provisions for estimated losses on
uncompleted contracts are made in the period in which such losses are
determined. Changes in job performance, job conditions and estimated
profitability may result in revisions to costs and income, which are recognized
in the period in which the revisions are determined. Changes in estimated job
profitability resulting from job performance, job conditions, contract penalty
provisions, claims, change orders, and settlements are accounted for as changes
in estimates in the current period.
Accounts receivable:
The Company considers all outstanding balances to be fully collectible;
accordingly, no allowance for doubtful accounts has been established. If
accounts become uncollectible, they will be charged to operations when that
determination is made. Collections on accounts previously written off are
included in other income as received. The Company follows the practice of
filing liens on projects only if collection problems are encountered. Bad debts
expense for the year ended December 31,2005 was $65,638.
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NOTES TO FINANCIAL STATEMENTS
See Independent Accountants' Review Report
Property and equipment:
Property and equipment are recorded at cost. The Company's policy is to
capitalize property and equipment purchases in excess of $500 that have
estimated useful lives greater than one year. Maintenance and repairs are
charged to expense as incurred. Depreciation is computed using the straight-
line method over the following estimated useful lives of the respective assets:
Machinery and equipment
Vehicles
Furniture and fixtures
Computer and office equipment
5- 7 years
5 years
7 years
3-5 years
Depreciation expense includes amortization of assets under capital leases.
Depreciation expense for the year ended December 31, 2005 was $80,689.
Loan costs:
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Amortization of organizational costs is calculated using the straight~line
method over 5 years. Amortization expense for the year ended December 31,
2005 was $570.
Income taxes:
The Company is a "C" corporation under the Internal Revenue Code. A
provision and liability for federal, state, and local income taxes has been made.
The Company reports income for tax purposes using the percentage of
completion method of accounting.
Cash equivalents:
The Company considers all highly liquid debt instruments with an original
maturity of three months or less to be cash equivalents.
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Note 2.
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Note 3.
NOTES TO FINANCIAL STATEMENTS
See Independent Accountants' Review Report
Use of estimates:
The preparation of financial statements in conformity with generally accepted
accounting principles requires management to make estimates and assumptions
that affect the reported amounts of assets and liabilities and disclosure of
contingent 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.
Advertising costs:
Advertising, promotion, and market development costs are expensed as
incurred. Total advertising expense for the year ended December 31, 2005 was
$9,082.
Accounts Receivable
A summary of accounts receivable at December 31 is as follows:
Trade receivables
Retainage
Employee receivables
$ 445,223
290,862
930
Total
$ 737.015
Contracts in Progress
Information with respect to the contracts in progress at December 31 follows:
Costs incurred on uncompleted contracts
Estimated earnings
$ 746,764
394.107
1,140,871
1.092,340
Less billings to date
$ 48.531
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Note 4.
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Note 5.
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NOTES TO FINANCIAL STATEMENTS
See Independent Accountants' Review Report
The above amounts are included m the accompanymg balance sheet under the
following captions:
Costs and estimated earnings in excess
of billings on uncompleted contracts
Billings in excess of costs and estimated
earnings on uncompleted contracts
$48,689
(158)
$48.531
Line of Credit
The Company has a $250,000 line of credit with Fifth Third Bank with interest at the
bank's prime interest rate plus 1% (7.75% at December 31, 2005). The principal is
due in full at maturity on November 30, 2006. The line of credit is secured by
substantially all assets of the Company and the personal guarantees of the
Company's members. The outstanding balance at December 31, 2005 was $40,414.
Long-Term Debt
Note payable, Fifth Third Bank, payable in monthly installments
of $1 ,500.00 through March 2012, including interest at 7.25%
collateralized by a personal guarantee of a member.
$114,457
Note payable, Fifth Third Bank, payable in monthly installments
of $632.22 through October 2010, including interest at 7.50%
collateralized by the equipment.
31,541
Note payable, Fifth Third Bank, payable in monthly installments
of $374.45 through May 2011, including interest at 7.50%
collateralized by the equipment.
20,432
Note payable, Fifth Third Bank, payable in monthly installments
of $609.90 through September 2011, including interest at 7.25%
collateralized by the equipment.
34,367
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Note 6.
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NOTES TO FINANCIAL STATEMENTS
See Independent Accountants' Review Report
Note payable, Fifth Third Bank, payable in monthly installments
of$707.19 through November 2010, including interest at 7.75%
collateralized by the vehicle and personal guarantee of a member.
35,285
Note payable, Americredit, payable in monthly installments
of $700.14 through October 2009, including interest at 7.50%
collateralized by the vehicle and personal guarantee of a member.
27,287
Note payable, BNSF Credit Union, payable in monthly installments
of $558.00 through 2006, including interest at 8.57% collateralized
by the vehicle and personal guarantee of a member.
4,117
Note payable, BNSF Credit Union, payable in monthly installments
of$714.00 through 2011, including interest at 4.95% collateralized
by the vehicle and personal guarantee of a member.
34,943
302,429
47,066
Less current maturities
$255.363
The aggregate annual maturities oflong-term debt are as follows:
Period ending September 30, 2006
2007
2008
2009
2010
Thereafter
$ 47,066
45,360
48,760
50,382
44,021
66,840
$302.429
Major Customers
For the year ended December 31, 2005, one customer generated more than 10% of
the Company's contract revenue. This customer accounted for approximately
$1,561,000 or 35% of total contract revenues earned. The total outstanding accounts
receivable from this customer was $180,097 at December 31, 2005.
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Note 7.
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Note 8.
Note 9.
NOTES TO FINANCIAL STATEMENTS
See Independent Accountants' Review Report
Obligations under Capital Leases
The Company leases certain equipment under capital leases. The economic
substance of the leases is that the Company is financing the acquisition of the
equipment through the lease and, accordingly, the leases are recorded in the
Company's assets and liabilities. Obligations under capital leases are collateralized
by leased equipment, with a gross carrying amount of $61,288. Accumulated
amortization related to leased equipment was $15,160 at December 31, 2005.
Future minimum lease payments under these leases are as follows:
Period ending December 31,
2006
2007
$24,482
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35,651
Less: Amount representing interest
2.155
$33.496
Present value of minimum lease payments
Related Party Transactions
The Company has a note receivable from a related party (RCA Properties, LLC -
related through common ownership). As of December 31, 2005, the balance is
$32,353. The note is non-interest bearing and payable on demand. The Company is
also constructing a building for RCA Properties, LLC. The project (SCC Building)
for approximately $300,000 was about sixty percent complete as of December 31,
2005.
The Company has a note receivable from the owners. As of December 31,2005, the
balance is $57,600. The note is non-interest bearing and payable on demand.
Credit Risk
The Company's bank account is insured by the Federal Deposit Insurance
Corporation (FDIC) up to $100,000. At December 31, 2005, the Company had
uninsured cash balances of approximately $136,000.
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Deming, Malone,. Liv~say &; Ostroff
Certified Public Accountants
INDEPENDENT ACCOUNT ANTS' REVIEW REPORT ON THE
SUPPLEMENTARY INFORMATION
To the Members
Smith Concrete Construction, LLC
Hillview, Kentucky
f\
Our report on our review of the basic financial statements of Smith Concrete
Construction, LLC for the year ended December 31, 2005 appears on page 1. This review was
made for the purpose of expressing limited assurance that there are no material modifications
that should be made to the financial statements in order for them to be in conformity with
accounting principles generally accepted in the United States of America. The information
included on pages 14 through 16 is presented only for supplementary analysis purposes. Such
information has been subjected to the inquiry and analytical procedures applied in the review of
the basic financial statements and we are not aware of any material modifications that should be
made thereto.
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Louisville, Kentucky
February 7, 2006
9300 Shelbyville Road . Suite 1100 . Louisville, Kentucky ~22-5187 · Phone: (502) 426-9660 · Fax: (502) 425-0883
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SMITH CONCRETE CONSTRUCTION, LLC
SCHEDULE OF CONTRACT REVENUES, COSTS
AND GROSS PROFITS
Year Ended December 31, 2005
See Independent Accountants' Review Report
on Supplementary Information
Costs of
Revenues Revenues Gross
Earned Earned Profit
Contracts completed during the year $ 3,713,461 $ 2,455,883 $ 1,257,578
Contracts in progress at end of the year 1,140,871 746,764 394,107
$ 4,854,332 $ 3,202,647 $ 1,651,685
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SMITH CONCRETE CONSTRUCTION, LLC
SCHEDULE OF GENERAL AND ADMINISTRATIVE EXPENSES
Year Ended December 31, 2005
See Independent Accountants' Review Report on Supplementary Information
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Salaries and wages
I nsurance expense
Legal and professional
Bad debt expense
Taxes - payroll
Telephone expense
Depreciation and amortization expense
Travel expense
Contributions
Rent expense
Uniforms
Office supplies
Advertising
Bank charges
Automobile expense
Taxes - other
Miscellaneous expense
Shop supplies
Utilities expense
Meals and entertainment
Dues and subscriptions
Employee benefits
Postage
License and permits
Repairs and maintenance
$ 320,373
175,444
73,862
65,638
38,444
23,366
18,300
18,007
16,840
15,855
12,697
10,943
9,082
8,596
8,027
7,668
7,018
5,930
5,262
5,164
3,751
2,558
1,609
288
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$ 854,733