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Acadia Realty Trust

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FY2005 Annual Report · Acadia Realty Trust
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Acadia Realty Trust
Annual Report 2005

Solid Core Portfolio

Strong Balance Sheet

External Growth Platform

Superior Management Team

Acadia Realty Trust (NYSE:AKR), headquartered in White

Plains, New York is a fully integrated, self-managed and

self-administered equity REIT focused primarily on the

ownership, acquisition, redevelopment and management

of retail properties, including neighborhood/community

shopping centers and mixed-use properties with 

retail components.

We currently operate 75 properties, which we own or have

an ownership interest in, which are located primarily in

the Northeast, Mid-Atlantic and Midwestern regions of

the United States totaling approximately 10 million

square feet.

Financial Highlights

In thousands

Total Revenues

Funds from
Operations 2

Real Estate Owned,

at Cost

Common Shares

Outstanding

Operating Partnership

Units Outstanding

2005

2004 1

2003 1

2002 1

2001 1

$83,318

$ 71,657

$ 66,646

$ 65,916

$ 57,327

$35,842

$ 30,004

$ 27,664

$ 30,162

$ 13,487

$435,751

$414,974

$ 407,220

$393,635

$378,216

31,543

31,341

27,409

25,257

28,698

653

392

1,139

3,163

5,250

1Amounts  for  2001  through  2004  have  been  restated  to  reflect activity  and  balances  from  continuing  operations  only. Consistent with
Statement of Financial Accounting Standards No. 144, the results of operations as well as assets and liabilities of sold properties are reported
separately as discontinued operations in our consolidated financial statements.

2We consider funds from operations (“FFO”) as defined by the National Association of Real Estate Investment Trusts (“NAREIT”) to be an
appropriate supplemental disclosure of operating performance for an equity REIT due to its widespread acceptance and use within the
REIT and analyst communities. FFO is presented to assist investors in analyzing our performance. It is helpful as it excludes various items
included in net income that are not indicative of the operating performance, such as gains (or losses) from sales of property and depre-
ciation and amortization. However, our method of calculating FFO may be different from methods used by other REITs and, accordingly,
may not be comparable to such other REITs. FFO does not represent cash generated from operations as defined by generally accepted
accounting principles (“GAAP”) and is not indicative of cash available to fund all cash needs, including distributions. It should not be con-
sidered as an alternative to net income for the purpose of evaluating our performance or to cash flows as a measure of liquidity. Consistent
with the NAREIT definition, we define FFO as net income (computed in accordance with GAAP), excluding gains (or losses) from sales of
depreciated property, plus depreciation and amortization, and after adjustments for unconsolidated partnerships and joint ventures.

Acadia Realty Trust 2005 Annual Report

Page 1

To Our Shareholders

By almost all measures, 2005 was a year of significant achievement for

Acadia and its shareholders. We were the best performing shopping center

REIT, delivering to our investors a total return of 36%. Acadia’s shareholders

have also enjoyed average annual returns of 46%  over the last three years

and 35% over five years. As important as high shareholder returns, is our

ability to achieve these results while maintaining a conservative balance

sheet, an ever-improving core portfolio and a pipeline of value-added proj-

ects that represent the seeds for our future growth.

Kenneth F. Bernstein

President and CEO

Acadia’s Average Five-Year Total Returns
Acadia versus Other Shopping Center REIT Sectors

Acadia
Peers

40%

35%

30%

25%

20%

15%

Along with strong stock performance, the other

financial metrics of our business were among

the leaders in our industry. Our earnings (nor-

malized FFO) grew 9%. Our dividend grew by

7.25% as our payout ratio (the best indicator of

the safety of that dividend) held steady at 63%

of FFO. While same store net operating income

(NOI) grew at a very healthy 5.7%, we continued

to maintain a conservative debt-to-market cap

at 32% with very little floating rate debt. All of

these achievements have positioned Acadia for

continued growth and success.

One of the more evident, but less meaningful, changes this year, is the format of our annual report. Because most of our

shareholders/readers use the Internet, we have chosen this year to focus our creativity and resources on creating an

electronic annual report available on our recently updated website at acadiarealty.com . While this letter and our 10k

will continue to be printed (this year on recycled paper stock), this mailed version is certainly leaner and greener than
previous years. For a more comprehensive visual understanding of Acadia, our progress and our focus, please visit our

website the next time you are at your computer.

Page 2

Acadia Realty Trust 2005 Annual Report

Since I assumed CEO responsibilities five years ago, our focus has been four-pronged:

Create a high-quality, core portfolio of high barrier-to-entry retail properties.

Maintain a solid balance sheet that provides both security and the opportunity for strong

future growth.

Implement a disciplined and profitable investment program that stimulates significant external

growth through strong risk-adjusted returns on our capital.

Create and nurture an experienced and dedicated management team that embraces our core values

and will consistently grow our business to provide superior performance well into the future.

Those of you who have followed Acadia closely over the past five years have certainly heard or read all this

before. While the specific assets and details may change, these four components of our strategy remain the keys 

to our success.

CORE PORTFOLIO

In 2005 we continued to drive the performance and enhance the asset quality of our core portfolio

through aggressive leasing and effective asset recycling. As a result, our occupancy rate has

improved to an all-time high of 94%.

2005 was an opportune time to shed properties that

Our leasing/redevelopment team, led by Joe Povinelli, did

were inconsistent with our long-term growth strategy

a terrific job of driving our occupancy to an all-time high

and replace them with higher growth and higher quality

for Acadia. More than just occupancy rates, Joe’s team

properties. An example of how we implemented this

strategy was the disposition of an underperforming cen-

focuses on bringing the right tenants to our centers and
building strong relationships with those tenants who

ter in Berlin, New Jersey and its replacement with an

represent the lifeblood of our industry. During 2005 we

exceptional property in densely populated Staten Island,

renewed our commitment to offer our anchor tenants,

New York. While there are several factors that can deter-

such as Target, Shaw’s Supermarket and Home Depot,

mine the long-term quality of a shopping center, a dense

and other important tenants such as Trader Joe’s, TJ Maxx

population with very limited land for new retail develop-

and Starbucks, the finest locations in a given market.

ment — what we consider high barriers to entry — is

Acadia’s leasing team should also be credited with cre-

perhaps the most significant. We will continue to pru-

atively repositioning existing properties, which resulted 

dently look to recycle or rotate assets, building an ever-

in luring such tenants as Coach to our Greenwich,

improving portfolio of supply-constrained properties that

Connecticut property last June and Sleepy’s to a redevel-

provide superior performance independent of where we

opment on Bartow Avenue in the Bronx.

might be in the economic cycle.

Acadia Realty Trust 2005 Annual Report

Page 3

STRONG BALANCE SHEET

Maintaining a strong balance sheet has always been a critical component of our business plan

because it reduces certain risks and volatility. Equally important, a strong balance sheet provides

us with plenty of “dry powder” as new opportunities arise. The strength of our 2005 balance sheet

was evidenced by all industry measures. We held our debt-to-market cap to 32% and, more importantly, a fixed-

charge coverage of 3.5 times. These ratios ensure the availability of capital to take advantage of opportunities

without having to be overly dependent on the public equity markets.

Protecting our balance sheet from unnecessary exposure

Finally, a critical component of our capital structure is

to rising interest rates is also crucial to our balance sheet

providing our shareholders with a safe and growing divi-

strategy. Mike Nelsen, Jon Grisham and the rest of their

dend. Last year we increased our dividend by 7.25%, result-

team did an excellent job last year of minimizing our

ing in average dividend growth of 8.5% over the past five

exposure to rising floating-rate debt while simultaneously

years. We believe that a dividend’s safety, defined by how

locking into low-cost fixed-rate long-term debt. While it

well-covered it is by our earnings, is as important as

may be unclear when and how significantly long-term

the amount of the dividend. Our dividend payout ratio

rates will climb, we are confident that borrowing

remained at a solid 63% of FFO in 2005, which enables us

long-term fixed-rate debt at less than 5.5% will feel

to increase our dividend as our earnings growth continues.

very comfortable in the not-so-distant future.

Dividend Growth

Fixed Charge Coverage Ratio
Acadia versus Other Shopping Center REITS

$0.75

$0.70

$0.65

$0.60

$0.55

$0.50

$0.45

$0.40

$0.35

$0.30

2002

2003

2004

2005

2006

Acadia
Peers

4.0x

3.5x

3.0x

2.5x

2.0x

1.5x

Page 4

Acadia Realty Trust 2005 Annual Report

PROFITABLE EXTERNAL GROWTH PLATFORM

Five years ago we launched our external growth platform with the formation of our first invest-

ment fund, AKR Fund I. We believed that the discretionary fund structure enabled us to leverage

our company’s strength and provide our shareholders with returns superior to a more typical

acquisition structure. At the time, the fund structure was relatively new to the REIT community and not fully

appreciated. In 2004 we launched our second fund, AKR Fund II, which is our current investment vehicle. In 2005,

we continued our Fund II deployment with several exciting new acquisitions, and began the very profitable

harvesting of Fund I investments made in prior years.

Acadia’s investment team, led by Joel Braun and comple-

velopments include two new properties in Northern

mented by all of our other departments, is one of the

Manhattan, and properties on 161st Street in the Bronx,

best in the business. Utilizing our investment funds as

on Liberty Avenue in Queens and in Canarsie, Brooklyn.

the main driver of external growth, Joel and his talented

team acquired a series of outstanding properties and

put into place important investment ventures that will

help drive our growth for future years. Last year, although

we did acquire a few one-off assets, such as Clark and

Diversey in Lincoln Park, Chicago, we focused the majority

of our investment efforts on the two investment platforms

formed in prior years: our New York Urban/Infill Venture

and our RCP Venture.

Acadia is a
participant
in the acquisi-
tion of the 
257-store
Mervyn’s
department
store chain.

NEW YORK URBAN/INFILL

These seven innovative projects, which could total as

Our New York Urban/Infill redevelopment program,

much as 1.5 million square feet when complete, utilize the

launched with our gifted partners at P/A Associates,

unique density of the five boroughs of New York City and

acquires prime New York City properties in portions of

the strong tenant relationships that P/A and Acadia have

the city that are underserved by strong national tenants.

fostered, to bring the best retailers to locations previously

We use our two companies’ combined talents to identify

perceived as too complex for national tenants to pene-

locations that can become dominant retail properties.

trate. While these deals are as complex as they are excit-

Last year we added five redevelopment projects in New

ing, I believe our joint team is up to the task. Joe Hogan,

York City to our previous acquisitions on Fordham Road

our skillful head of construction, works hand in hand

in the Bronx and in Pelham Manor, New York. These rede-

with Aaron Malinsky and Paul Slayton of P/A Associates

Pelham Manor Shopping Plaza, Pelham Manor, NY (suburb of NYC). Redevelopment rendering.

Acadia Realty Trust 2005 Annual Report

Page 5

and our redevelopment team to see these projects

through to their completion. Bob Scholem, head of prop-

erty management, has done a remarkable job integrating

these projects into our operating system — not an easy task

given all of the moving parts.

While these ventures will not contribute to our earnings

until they are closer to completion, they contribute to

Acadia’s opportunities for significant future growth. At a

time when existing, stable real estate properties are very

expensive, investing in situations where we can use our

value-added capabilities to create future growth is essen-

tial to our long-term growth prospects.

Brandywine Town Center, Brandywine, PA

consortium as our partners, and look forward to participat-

RETAILER CONTROLLED PROPERTY VENTURE

ing in other retailer investments through our RCP Venture.

In 2004 we launched our second investment platform,

the Retailer Controlled Property (“RCP”) Venture, with our

partners Klaff Realty and Lubert-Adler. The goal of this

strategy is to acquire real estate owned or controlled 

by major retailers. Our first RCP investment (our partici-

pation in the acquisition of Mervyn’s department stores

in 2004) has already proven to be one of the more prof-

itable in our company’s history. During 2005, through 

the sale of a portion of the portfolio and a subsequent

refinancing of the balance, we have already received

almost twice our equity investment. Our partners in the

consortium have done a remarkable job — at both the

real estate and Mervyn’s operations level — maximizing

the value of this investment.

HARVESTING PROFITS

While we continue to make important new investments

that will plant the seeds for future growth, 2005 was also

a great year to begin harvesting some of the profits from

earlier investments. With the sale of our fund investors’

interest in our Wilmington, Delaware complex, we entered

into an agreement to recapitalize our investment in those

properties at year-end. The recapitalization resulted in an

implied equity profit of $88 million on our equity invest-

ment of only $47 million enabling the return of all of the

investors’ capital in AKR Fund I and allowing our profit

participation to begin. This profit participation will con-

tribute significant earnings gains in 2006 and should

continue for several years as the harvesting continues.

When we launched RCP with the Klaff organization and

Bob Masters, our General Counsel, along with Joel Braun,

Lubert-Adler, we were confident that we had chosen 

did a great job on a complicated and profitable transac-

the right partners to participate with in this unique and

tion. As an added benefit to this transaction, we are able

profitable strategy. Since then, both Hersch Klaff and

to create a potentially productive relationship with GDC

Dean Adler have proven that they and their extraordinary

Development Corp., the acquirer of AKR Fund I’s interest

teams are the premier players in the retailer real estate

in the property. We consider the GDC team an ideal long-

arena. We are fortunate to have them and their extended

term partner and a top-tier mixed-use developer.

Page 6

Acadia Realty Trust 2005 Annual Report

ENERGIZED MANAGEMENT TEAM

As Acadia has grown, hiring, motivating, teaching and harnessing the energy from our talented

management team has become a critical ingredient in our success. Joe Napolitano, as our head of

asset management, has worked with all of our department heads, as well as senior management,

to continue to drive our superior performance. In 2005, we added 41 new members to our team. They bring cre-

ativity, innovation and new perspectives that have already positively impacted our organization and will enable us

to continue to drive our growth and results for years to come.

A key component to a successful management team is a

with both the letter and the spirit of the evolving and

knowledgeable and independent board of directors. Our

complex regulations and requirements expected of

board not only provides important oversight on behalf of

today’s public companies. Wendy Luscombe, as a former

shareholders, but is a valuable source of knowledge and

REIT CEO herself and an active advisor to institutional

experience. Lee Wielansky, as Lead Trustee, brings both his

investors, brings an in-depth knowledge of both the

decades of experience as a real estate developer and his

public and private real estate markets. I am grateful to all

extensive REIT experience. Alan Forman of Yale University

the board members for their time, integrity, diligence and

has managed one of the most successful real estate

overall contribution to our success.

endowment funds in the nation and contributes his

significant investment acumen. Doug Crocker, the former

CEO of Equity Residential Trust, is one of the most experi-

enced REIT/real estate executives that any board can

have as a member. Larry Kellar, former CFO of Kroger

Supermarkets and former head of real estate for Kmart,

offers both a retailer’s perspective and keen financial

insight. Suzanne Hopgood, as chair of our corporate gov-

ernance/nominating committee, ensures our compliance

With our four-pronged focus, we are excited and energized

about the future of Acadia. Our team, which continues

to become deeper and stronger as Acadia grows, is well

positioned and committed to continuing to create share-

holder value, our mandate. We are extremely grateful for

the support our shareholders gave us in 2005 and hope

to retain that confidence and support by continuing to

deliver superior results in 2006 and beyond.

Kenneth F. Bernstein

President and CEO

Acadia Realty Trust 2005 Annual Report

Page 7

Acadia Locations

Core Properties

239 Greenwich Avenue
Greenwich, CT

Town Line Plaza
Rocky Hill, CT

Hobson West Plaza
Naperville, IL

Merrillville Plaza
Hobart, IN

Crescent Plaza
Brockton, MA

Methuen Shopping Center
Methuen, MA

Bloomfield Town Square
Bloomfield Hills, MI

Elmwood Park 
Shopping Center
Elmwood Park, NJ

Ledgewood Mall
Ledgewood, NJ

Clark and Diversey
Chicago, IL

Marketplace of Absecon
Absecon, NJ

Bartow Avenue
Bronx, NY

Amboy Road
Staten Island, NY

The Branch Plaza
Smithtown, NY

New Loudon Center
Latham, NY

Pacesetter Park 
Shopping Center
Pomona, NY

Soundview Marketplace
Port Washington, NY

Village Commons 
Shopping Center
Smithtown, NY

Crossroads 
Shopping Center
White Plains, NY

Mad River Station
Dayton, OH

Abington Towne Center
Abington, PA

Blackman Plaza
Wilkes-Barre, PA

Bradford Towne Centre
Towanda, PA

Greenridge Plaza
Scranton, PA

Luzerne Street
Shopping Center
Scranton, PA

Mark Plaza
Edwardsville, PA

Pittston Plaza
Pittston, PA

Plaza 422
Lebanon, PA

Route 6 Mall
Honesdale, PA

Walnut Hill Plaza
Woonsocket, RI

The Gateway 
Shopping Center
South Burlington, VT

Fund Properties

Brandywine 
Town Center
Wilmington, DE

Market Square 
Shopping Center
Wilmington, DE

Sterling Heights 
Shopping Center
Sterling Heights, MI

Fordham Place
Bronx, NY

Pelham Manor
Shopping Plaza
Pelham, NY

4650 Broadway
Manhattan, NY

161st Street
Bronx, NY

Liberty Avenue
Queens, NY

216th Street
Manhattan, NY

Tarrytown Centre
Tarrytown, NY

Amherst Marketplace
Amherst, OH

Granville Center
Columbus, OH

Sheffield Crossing
Sheffield, OH

Haygood Shopping Center
Virginia Beach, VA

Kroger/Safeway Locations
Cary, NC
Atlanta, TX
Cincinnati, OH
Batesville, AR
Conroe, TX
Benton, AR
Great Bend, KS
Carthage, TX
Hanrahan, LA
Little Rock, AR
Indianapolis, IN
Longview, WA
Irving, TX
Mustang, OK
Pratt, KS
Roswell, NM
Roanoke, VA
Ruidoso, NM
Shreveport, LA
San Ramon, CA
Wichita, KS (2 stores)
Springerville, AZ
Tucson, AZ
Tulsa, OK

Neiman Marcus
(Oakbrook Center)
Chicago, IL

Levitz Furniture
(Montrose Crossing
Shopping Center)
Rockville, MD

Headquarters
White Plains, NY

Regional Offices 
Dayton, OH
Kingston, PA
Woonsocket, RI

Page 8

Acadia Realty Trust 2005 Annual Report

Acadia Realty Trust
Form 10k Report 2005

United States Securities and Exchange Commission 
Washington, D.C. 20549 

FORM 10-K

✔
❏ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2005

❏ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _____ to _____

Commission File Number 1-12002 

ACADIA REALTY TRUST 
(Exact name of registrant as specified in its charter) 

Maryland

(State of incorporation)

23-2715194

(I.R.S. employer identification no.) 

1311 Mamaroneck Avenue, Suite 260, White Plains, NY 10605

(Address of principal executive offices) 

(914) 288-8100 

(Registrant’s telephone number) 

Securities registered pursuant to Section 12(b) of the Act:

Common Shares of Beneficial Interest, $.001 par value 

(Title of Class) 

New York Stock Exchange 

(Name of Exchange on which registered) 

Securities registered pursuant to Section 12(g) of the Act:

None 

Indicate by check mark if the Registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

✔
YES ❏      NO ❏

Indicate by check mark if the Registrant is not required to file reports pursuant to Section 13 or Section 15 (d) of the Securities Act.

✔
YES ❏      NO ❏

Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act
of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject
to such filing requirements for the past 90 days.

✔
YES ❏      NO ❏

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained,
to the best of registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or
any amendment to this Form 10-K. ❏

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer (as defined in Rule 12b-2
of the Act).

Large Accelerated Filer ❏     Accelerated Filer ❏     Non-accelerated Filer ❏

✔

Indicate by checkmark whether the registrant ia a shell company (as defined in Rule 12b-2 of the Act).

✔
YES ❏      NO ❏

The aggregate market value of the voting and non-voting common equity held by non-affiliates of the registrant as of the last business day of
the Registrant’s most recently completed second fiscal quarter was $586.4 million, based on a price of $18.65 per share, the average sales price
for the Registrant’s shares of beneficial interest on the New York Stock Exchange on that date.

The number of shares of the registrant’s Common Shares of Beneficial Interest outstanding on March 15, 2006 was 31,758,241.

Part III: Definitive proxy statement for the 2006 Annual Meeting of Shareholders presently scheduled to be held May 15, 2006 to be filed pur-
suant to Regulation 14A.

DOCUMENTS INCORPORATED BY REFERENCE 

Acadia Realty Trust 2005 Annual Report

Acadia Realty Trust. Form 10-K Report 2005

Contents

Item No.

PART I

Page

1. Business . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

1A. Risk Factors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

1B. Unresolved Staff Comments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

2. Properties . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

3. Legal Proceedings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23

4. Submission of Matters to a Vote of Security Holders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23

PART II 

5. Market for Registrant’s Common Equity, Related Shareholder Matters and Issuer Purchases of 

Equity Securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23

6. Selected Financial Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25

7. Management’s Discussion and Analysis of Financial Condition and Results of Operations . . . . . . . . . . . . . . 27

7A. Quantitative and Qualitative Disclosures about Market Risk. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35

8. Financial Statements and Supplementary Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36

9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure . . . . . . . . . . . . . 36  

9A. Controls and Procedures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37

9B. Other Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39

PART III 

10. Directors and Executive Officers of the Registrant. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39

11. Executive Compensation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39

12. Security Ownership of Certain Beneficial Owners and Management . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39

13. Certain Relationships and Related Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39

14. Principal Accountant Fees and Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39

PART IV 

15. Exhibits, Financial Statements, Schedules . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40

Acadia Realty Trust 2005 Annual Report

Special Note Regarding 
Forward-Looking Statements 
Certain statements contained in this Annual Report on Form

10-K may contain forward-looking statements within the

meaning of Section 27A of the Securities Act of 1933 and 

Section 21E of the Securities & Exchange Act of 1934 and as

such may involve known and unknown risks, uncertainties

and other factors which may cause our actual results, per-

formance or achievements to be materially different from

future results, performance or achievements expressed or

implied by such forward-looking statements. Forward-looking

statements, which are based on certain assumptions and

describe our future plans, strategies and expectations are

generally identifiable by use of the words “may,”“will,”

to share, in proportion to our percentage interest, in the cash

distributions and profits and losses of the Operating Partner-

ship. The limited partners represent entities or individuals

who contributed their interests in certain properties or 

partnerships to the Operating Partnership in exchange for

common or preferred units of limited partnership interest

(“Common OP Units” or “Preferred OP Units”). Limited part-

ners holding Common OP Units are generally entitled to

exchange their units on a one-for-one basis for common shares

of beneficial interest of the Company (“Common Shares”). This

structure is commonly referred to as an umbrella partnership

REIT or “UPREIT.”

Capital Market Transactions
On January 27, 2004, the Operating Partnership issued 4,000

“should,”“expect,”“anticipate,”“estimate,”“believe,”“intend”

Series B Preferred Units in connection with the acquisition

or “project” or the negative thereof or other variations

from Klaff Realty, L.P. (“Klaff”) of its rights to provide asset

thereon or comparable terminology. Factors which could

management, leasing, disposition, development and construc-

have a material adverse effect on our operations and future

tion services for an existing portfolio of retail properties.

prospects include, but are not limited to those set forth

These units have a stated value of $1,000 each and are enti-

under the heading “Risk Factors” in this Form 10-K. These

tled to a quarterly preferred distribution of the greater of

risks and uncertainties should be considered in evaluating

(i) $13.00 (5.2% annually) per Preferred OP Unit or (ii) the

any forward-looking statements contained or incorporated

quarterly distribution attributable to a Preferred OP Unit if

by reference herein.

PART I 
ITEM 1. BUSINESSx

GENERAL
Acadia Realty Trust (the “Company,”“Acadia,”“we,”“us” or

“our”) was formed on March 4, 1993 as a Maryland Real

Estate Investment Trust (“REIT”). We are a fully integrated,

self-managed and self-administered equity REIT focused 

primarily on the ownership, acquisition, redevelopment and

such unit were converted into a Common OP Unit. The Pre-

ferred OP Units are convertible into Common OP Units

based on the stated value of $1,000 divided by $12.82 at any

time. Additionally, the holder of the Preferred OP Units may

redeem them at par for either cash or Common OP Units 

(at our option) after the earlier of the third anniversary of

their issuance, or the occurrence of certain events including

a change in the control of our Company. Finally, after the

fifth anniversary of the issuance, we may redeem the Pre-

ferred OP Units and convert them into Common OP Units 

at market value as of the redemption date.

management of retail properties, including neighborhood

In March of 2004, a secondary public offering was completed

and community shopping centers and mixed-use properties

for a total of 5,750,000 Common Shares. The selling share-

with retail components. We currently operate 75 properties,

holders, Yale University and its affiliates (“Yale”) and Ross

which we own or have an ownership interest in. These assets

Dworman, a former trustee and Chairman, sold 4,191,386

are located primarily in the Northeast, Mid-Atlantic and Mid-

and 1,558,614 Common Shares, respectively. Yale was a major

western regions of the United States which, in total, comprise

shareholder, owning, at one time, approximately one-third 

approximately 10 million square feet. We also have non-oper-

of all of our outstanding Common Shares. We did not sell

ational investments in properties throughout the country

any Common Shares in the offering and did not receive any

through joint ventures.

proceeds from the offering.

All of our assets are held by, and all of our operations are

During November 2004, we issued 1,890,000 Common Shares

conducted through, Acadia Realty Limited Partnership, a

(the “Offering”). The Offering was made pursuant to shelf

Delaware limited partnership (the “Operating Partnership”)

registration statements filed under the Securities Act of 1933,

and its majority-owned subsidiaries. As of December 31,

as amended, and previously declared effective by the Securities

2005 we controlled 98% of the Operating Partnership as the

and Exchange Commission on March 29, 2000, May 14, 2003

sole general partner. As the general partner, we are entitled

and March 19, 2004. The $28.3 million in proceeds from the

Acadia Realty Trust 2005 Annual Report

1

Offering, net of related costs, were used to retire above-market,

date we have launched two acquisition joint ventures, Acadia

fixed-rate indebtedness as well as to invest in real estate

Strategic Opportunity Fund, LP (“Fund I”) and Acadia Strategic

assets. Yale, and Kenneth F. Bernstein, our Chief Executive

Opportunity Fund II, LLC (“Fund II”).

Officer, also sold 1,000,000, and 110,000 Common Shares,

respectively, in connection with this transaction.

Fund I

RECENT DEVELOPMENTS 
Effective February 15, 2005, we acquired the balance of Klaff’s

rights to provide the above services and certain potential

In September 2001, we and four of our institutional share-

holders formed a joint venture, whereby the investors com-

mitted $70 million for the purpose of acquiring real estate

assets. We committed an additional $20 million to Fund I,

future revenue streams. The consideration for this acquisition

as the general partner with a 22% interest. In addition to 

was $4.0 million in the form of 250,000 restricted Common

a pro-rata return on our invested equity, we are entitled to 

OP Units, valued at $16 per unit, which are convertible into

our Common Shares on a one-for-one basis after a five year

lock-up period. As part of this transaction we also assumed

all operational and redevelopment responsibility for the

a profit participation based upon certain investment return

thresholds. Cash flow is distributed pro-rata to the partners

(including us) until they have received a 9% cumulative return

on, and a return of, all capital contributions. Thereafter, remain-

Klaff Properties a year earlier than was contemplated in the

ing cash flow is distributed 80% to the partners (including

January 2004 transaction.

BUSINESS OBJECTIVES AND STRATEGIES 
Our primary business objective is to acquire and manage

commercial retail properties that will provide cash for distri-

butions to shareholders while also creating the potential for

capital appreciation to enhance investor returns. We focus

on the following fundamentals to achieve this objective:

us) and 20% to us. We also earn a fee for asset manage-

ment services equal to 1.5% of the allocated invested equity ,

as well as fees for property management, leasing and con-

struction services.

Our acquisition program was executed exclusively through

Fund I through June 2004. Fund I focused on targeting assets

for acquisition that had superior in-fill locations, restricted

competition due to high barriers of entry and in-place below-

■ Own and operate a portfolio of community and neigh-

market anchor leases with the potential to create significant

borhood shopping centers and mixed-use properties 

additional value through re-tenanting, timely capital

with a retail component located in markets with strong

improvements and property redevelopment. Fund I consid-

demographics.

■ Maintain a strong and flexible balance sheet through 

conservative financial practices while ensuring access to

sufficient capital to fund future growth.

ered both single assets and portfolios in its acquisition 

program. Although our core properties are located primarily

in the Northeast, Mid-Atlantic and Midwest region, and

therefore Fund I focused on potential acquisitions within

these geographic areas, Fund I considered portfolio acquisi-

■ Generate internal growth within the portfolio through

tions outside the geographic footprint.

aggressive redevelopment, re-anchoring and leasing 

activities.

On January 4, 2006, Fund I recapitalized a one million square

foot retail portfolio located in Wilmington, Delaware (“Brandy-

■ Generate external growth through an opportunistic 

wine Portfolio”) through a merger of interests with affiliates

yet disciplined acquisition program. The emphasis is on

of GDC Properties (“GDC”). The Brandywine Portfolio was

targeting transactions with high inherent opportunity for

recapitalized through a “cash-out” merger of the 77.8% inter-

the creation of additional value through redevelopment

est, which was previously held by the institutional investors

and leasing and/or transactions requiring creative capital

in Fund I to GDC at a valuation of $164 million. We, through

structuring to facilitate the transactions.

a subsidiary, retained our existing 22.2% interest and will

External Growth Strategy: Opportunistic Acquisition
Platforms
In addition to our direct investments in real estate assets,

we have also capitalized on our expertise in the acquisition,

redevelopment, leasing and management of retail real estate

by establishing joint ventures in which we earn, in addition

to a return on our equity interest, fees for our services. To

continue to operate the Brandywine Portfolio and earn fees

for such services. At the closing, the Fund I investors received

a return of all of their capital invested in Fund I and preferred

return, thus triggering the payment to us of our additional

20% carried interest (“Promote”) in all future Fund I distribu-

tions. It is anticipated that up to $38 million of additional

proceeds will be distributed to our investors from this 

transaction following, among other things, the successful

Acadia Realty Trust 2005 Annual Report 2

replacement of bridge financing provided by us and our

■ Working with financially healthy retailers to create value

investors. Additionally there are 32 assets comprising

from their surplus real estate.

approximately 2 million square feet remaining in Fund I 

in which our interest in cash flow and income will increase

from 22.2% to 37.8% as a result of the Promote.

Fund II

Following our success with Fund I, we formed a second, larger

acquisition joint venture. In June of 2004, we launched Fund

II, which includes all of the investors from Fund I as well as

two additional institutional investors. With $300 million of

committed discretionary capital, Fund II expects to be able

to acquire up to $900 million of real estate assets on a

leveraged basis. We are the managing member with a 20%

interest in Fund II. The terms and structure of Fund II are

substantially the same as Fund I with the exceptions that

the Preferred Return is 8% and the asset management fee is

calculated on committed equity of $250 million for the first

twelve months and then on the total committed equity of

$300 million thereafter.

■ Acquiring properties, designation rights or other control of

real estate or leases associated with retailers in bankruptcy.

■ Completing sale leasebacks with retailers in need of capital.

During 2004, we made our first RCP Venture investment

with our participation in the acquisition of Mervyn’s as 

discussed in “PROPERTY ACQUISITIONS” in Item 1 of this

Form 10-K. The RCP Venture is also currently exploring 

additional investment opportunities.

New York Urban Infill Redevelopment Initiative

In September of 2004, we, through Fund II, launched our

New York Urban Infill Redevelopment initiative. As retailers

continue to recognize that many of the nation’s urban mar-

kets are underserved from a retail standpoint, Fund II is

poised to capitalize on this trend by investing in redevelop-

ment projects in dense urban areas where retail tenant

demand has effectively surpassed the supply of available

As the demand for retail real estate has significantly increased

sites. During 2004, Fund II, together with an unaffiliated

in recent years, there has been a commensurate increase in

partner, P/A Associates, LLC (“P/A”), formed Acadia-P/A Hold-

selling prices. In an effort to generate superior risk-adjusted

ing Company, LLC (“Acadia-P/A”) for the purpose of acquiring,

returns for our shareholders and joint venture investors, we

constructing, developing, owning, operating, leasing and

have channeled our acquisition efforts through Fund II in

managing certain retail real estate properties in the New

two new opportunistic joint ventures launched during 2004

York City metropolitan area. P/A has agreed to invest 10% 

— the Retailer Controlled Property Venture and the New York

of required capital up to a maximum of $2.0 million and

Urban Infill Redevelopment Initiative.

Fund II, the managing member, has agreed to invest the 

Retailer Controlled Property Venture (the “RCP Venture”)

On January 27, 2004, through Funds I and II, we entered into

the RCP Venture with Klaff and Klaff’s long time capital part-

ner Lubert-Adler Management, Inc. (“Lubert-Adler”) for the

purpose of making investments in surplus or underutilized

properties owned by retailers. The initial size of the RCP 

Venture is expected to be approximately $300 million in

equity based on anticipated investments of approximately 

$1 billion. Each participant in the RCP Venture has the right

to opt out of any potential investment. Affiliates of Funds I

and II have invested $24.6 million in the RCP Venture to date.

Fund II anticipates investing the remaining portion of the

original 20% of the equity of the RCP Venture. Cash flow is

to be distributed to the partners until they have received a

10% cumulative return and a full return of all contributions.

Thereafter, remaining cash flow is to be distributed 20% to

balance to acquire assets in which Acadia-P/A agrees to

invest. Operating cash flow is generally to be distributed

pro-rata to Fund II and P/A until they have received a 10%

cumulative return and then 60% to Fund II and 40% to P/A.

Distributions of net refinancing and net sales proceeds,

as defined, follow the distribution of operating cash flow

except that unpaid original capital is returned before the

60%/40% split between Fund II and P/A, respectively. Upon

the liquidation of the last property investment of Acadia-

P/A, to the extent that Fund II has not received an 18% inter-

nal rate of return (“IRR”) on all of its capital contributions,

P/A is obligated to return a portion of its previous distribu-

tions, as defined, until Fund II has received an 18% IRR. To

date, Fund II has, in conjunction with P/A, invested in six

projects through Fund II as discussed further in “PROPERTY

ACQUISITIONS” in this Item 1 of this Form 10-K.

Klaff (“Klaff’s Promote”) and 80% to the partners (including

Other Investments

Klaff). We will also earn market-rate fees for property man-

We may also invest in preferred equity investments, mort-

agement, leasing and construction services on behalf of the

gages, other real estate interests and other investments.

RCP Venture. Fund II seeks to invest opportunistically in the

The mortgages in which we invest may be either first

RCP Venture primarily in the following three ways:

Acadia Realty Trust 2005 Annual Report

3

mortgages or mezzanine debt, where we believe the under-

We typically hold our properties for long-term investment.

lying value of the real estate collateral is in excess of its loan

As such, we continuously review the existing portfolio and

balance. In March of 2005, we invested $20 million in a pre-

implement programs to renovate and modernize targeted

ferred equity position (“Preferred Equity”) in Levitz SL, L.L.C.

centers to enhance the property’s market position. This in

(“Levitz SL”), the owner of 2.5 million square feet of fee and

turn strengthens the competitive position of the leasing

leasehold interests in 30 locations (the “Properties”), the

program to attract and retain quality tenants, increasing

majority of which are currently leased to Levitz Furniture

cash flow and consequently property value. We also periodi-

Stores. Klaff is a managing member of Levitz SL. The Preferred

cally identify certain properties for disposition and redeploy

Equity receives a return of 10%, plus a minimum return of

the capital to existing centers or acquisitions with greater

capital of $2 million per annum. At the end of 12 months, the

potential for capital appreciation. Our core portfolio consists

rate of return will be reset to the six-month LIBOR plus 644

primarily of neighborhood and community shopping centers,

basis points. The Preferred Equity is redeemable at the option

which are generally dominant centers in high barrier-to-entry

of Levitz SL at any time.

We also regularly engage in discussions with public and private

entities regarding business combinations. Furthermore, we

may consider either acquiring directly or engaging in addi-

tional joint ventures related to property acquisition and

development. The requirements that acquisitions be accretive

on a long-term basis based on our cost of capital, as well as

markets. The anchors at these centers typically pay market

or below-market rents and have low rent-to-sales ratios, which

are, on average, less than 5%. Furthermore, supermarket and

necessity-based retailers anchor the majority of our core

portfolio. These attributes enable our properties to better

withstand a weakening economy while also creating oppor-

tunities to increase rental income.

increase the overall portfolio quality and value, are core to

During 2004 and 2005 we sold two non-core properties and

our acquisition program. As such, we constantly evaluate the

redeployed the capital to acquire two retail properties during

blended cost of equity and debt and adjust the amount of

2005 as further discussed in “ASSET SALES” and PROPERTY

acquisition activity to align the level of investment activity

ACQUISITIONS” in this Item 1 of this Form 10-K.

with capital flows.

Financing Strategy 

Operating Strategy: Experienced Management Team
with Proven Track Record

We intend to continue financing acquisitions and property

redevelopment with sources of capital determined by man-

Our senior management team has an average of eight years

agement to be the most appropriate based on, among other

with us and our predecessors and 25 years in the real estate

industry. During 2002, the management team successfully

completed a multi-year portfolio repositioning initiative 

that significantly improved the quality of our portfolio and

tenant base. We believe our management team has demon-

strated the ability to create value internally through anchor

recycling, property redevelopment and strategic non-core

dispositions.

Operating functions such as leasing, property management,

construction, finance and legal (collectively, the “Operating

Departments”) are provided by our personnel, providing for

fully integrated property management and development.

factors, availability, pricing and other commercial and finan-

cial terms. The sources of capital may include cash on hand,

bank and other institutional borrowing, the sale of properties

and issuance of equity securities. We continually focus on

maintaining a strong balance sheet when considering the

sourcing of capital. We manage our interest rate risk prima-

rily through the use of variable and fixed rate debt. We also

utilize LIBOR swap agreements in managing our exposure

to interest rate fluctuations. See Item 7A for a discussion on

our market risk exposure related to our mortgage debt.

PROPERTY ACQUISITIONS 

By incorporating the Operating Departments in the acquisi-

RCP Venture

tion process, acquisitions are appropriately priced giving

effect to each asset’s specific risks and returns. Also, because

of the Operating Departments involvement with, and corre-

sponding understanding of, the acquisition process, transi-

tion time is minimized and management can immediately

execute on its strategic plan for each asset.

In September 2004, we made our first RCP Venture invest-

ment with our participation in the acquisition of Mervyn’s.

Affiliates of Fund I and Fund II, through separately organized,

newly formed limited liability companies on a non-recourse

basis, invested in the acquisition of Mervyn’s through the

RCP Venture, which, as part of an investment consortium of

Acadia Realty Trust 2005 Annual Report 4

Sun Capital and Cerberus, acquired Mervyn’s from Target

is to reconfigure the property so that approximately 50% of

Corporation. The total acquisition price was approximately

the income from the building will eventually be derived

$1.2 billion subject to debt of approximately $800.0 million.

from retail tenants.

Our share of equity invested aggregated $24.6 million on a

non-recourse basis and was divided equally between affiliates

of Funds I and II. As of the date of acquisition, Mervyn’s was

a 257-store discount retailer with a very strong West Coast

concentration. During 2005, the consortium sold a portion 

of the portfolio as well as refinanced existing mortgage

debt and distributed cash to the investors, of which a total

of $42.7 million was distributed to affiliates of Fund I and

Fund II of which our share amounted to $10.2 million. In 

February of 2006, the consortium distributed additional

cash of which a total of $1.4 million was distributed to affili-

ates of Fund I and Fund II of which $0.4 million was our share.

New York Urban/Infill Redevelopment Initiative

Liberty Avenue: On December 20,2005, Acadia-P/A acquired
the remaining 40-year term of a leasehold interest in land

located at Liberty Avenue and 98th Street in Queens (Ozone

Park), NY. The development plans for this property include

30,000 square feet of retail anchored by a CVS drug store

and a 98,500 square foot self-storage facility to be operated

by Storage Post. Acadia-P/A will be a partner in the self-storage

complex with Storage Post, which is anticipated to be a part-

ner in future retail projects in New York City where self stor-

age will be a potential component of the redevelopment. The

total cost of the redevelopment is expected to be approxi-

mately $13 million. The CVS 10,880 square foot lease has been

executed and construction on this project has commenced.

216th Street: On December 1, 2005, Acadia-P/A acquired a
65,000 square foot parking garage located at 10th Avenue

and 216th Street in the Inwood section of Manhattan for 

$7 million. Acadia-P/A plans to redevelop the building into a

60,000 square foot office building and are finalizing a lease

where it would relocate an agency of the City of New York,

which is a current tenant at another of our Urban/Infill

Redevelopment projects. Inclusive of acquisition costs, total

costs for the project, which also includes a 100-space rooftop

parking deck, are anticipated to be $25 million.

161st Street: On August 5, 2005, Acadia-P/A purchased 244-268
161st Street located in the Bronx for $49.3 million, inclusive

of closing costs. In connection with the transaction, Acadia-

P/A borrowed $12.1 million from Bank of America as bridge

financing. The loan carries variable-rate interest at LIBOR

plus 1.5% with monthly payments of interest only. The loan

matures March 31, 2006. The ultimate redevelopment plan

for the property, a 100% occupied, 10-story office building,

Acadia Realty Trust 2005 Annual Report

5

4650 Broadway: On April 6, 2005, Acadia-P/A acquired 4650
Broadway located in the Washington Heights/Inwood section

of Manhattan. The property, a 140,000 square foot building,

which is currently occupied by the City of New York and a

commercial parking garage, was acquired for a purchase

price of $25 million. Acadia-P/A plans to redevelop the site

to include retail, commercial and residential components

totaling over 300,000 square feet. The retail and commercial

(including office, “Community Use” and parking) portion

comprise approximately 50% of the project and the residen-

tial component comprises the other 50%. Redevelopment of

the project is anticipated to commence during 2007 with

completion expected 18 months thereafter. Expected costs to

complete the retail and commercial component of the project

are estimated at $40 million before any potential sale of the

residential air rights. In lieu of directly developing the resi-

dential portion of the project, the rights to this component

may be sold while retaining ownership of the other portions

of the project.

Pelham Manor: On October 1, 2004, Acadia-P/A entered into
a 95-year, inclusive of extension options, ground lease to

redevelop a 16-acre site in Pelham Manor, Westchester County,

New York. The property is in an upper middle-income, infill

neighborhood located approximately 10 miles from Manhat-

tan with over 400,000 people in a three-mile radius. The

redevelopment contemplates the demolition of the existing

industrial and warehouse buildings, and replacing them

with a multi-anchor community retail center. Acadia-P/A

anticipates the redevelopment to cost between $30 and $33

million, with construction anticipated to commence during

2007. In the interim, the property will continue to be operated

as an industrial and warehouse facility. Prior to commence-

ment of the redevelopment process, the warehouse rents

collected are projected to equal the ground rent payment.

Fordham Road: On September 29, 2004, Acadia-P/A purchased
400 East Fordham Road in the Bronx, NY. The property, a

multi-level retail and commercial building, is located at the

intersection of East Fordham Road and Webster Avenue,

near Fordham University. Sears is the major tenant of the

property, retailing on four levels. The redevelopment of the

property is scheduled to commence in 2007 following the

expiration of the Sears lease, which was originally signed 

in 1964. However, depending on current negotiations with

both Sears and other potential anchors, the time frame 

of the redevelopment may be accelerated. As part of the

redevelopment, there is the potential for additional expan-

$0.9 million, primarily our pro-rata share of equity, as a partner

sion of up to 85,000 square feet of space. The total cost of

in Fund I. In September 2004, Fund I and Hendon purchased

the redevelopment project, including the acquisition cost of

the Pine Log Plaza for $1.5 million. The 35,000 square foot

$30 million, is estimated to be between $65 and $70 million,

center is located in front of and adjacent to Hitchcock Plaza.

depending on the ultimate scope of the project. On February

Related to this transaction, we provided an additional $0.75

25, 2005, Acadia-P/A acquired vacant land adjacent to the

million mortgage loan to the project with a March 2006

400 East Fordham Road property for $867,000.

maturity and interest at 7% for the first year and 6% for the

In addition to the above New York Urban/Infill projects, Fund

II also acquired the following:

During July 2005, Fund II acquired for $1.0 million, a 50% equity

interest from its partner in the RCP Venture in the entity

which has a leasehold interest in a former Levitz Furniture

store located in Rockville, Maryland.

second year.

During February 2006, Fund I finalized an agreement with

Hendon whereby Fund I converted its common equity to 

a preferred equity position with a 15% preferred return. In

connection with this agreement, Hendon assumed all opera-

tional, redevelopment and leasing responsibilities. Hendon

also secured construction financing from which the first

During November 2005, Fund II acquired a ground lease

mortgage loans to us were repaid.

interest in a 112,000 square foot building occupied by Neiman

Marcus. The property is located at Oakbrook Center, a super-

regional Class A mall located in the Chicago Metro area. The

ground lease was acquired for $6.9 million, including closing

and other acquisition costs.

Fund I

To date, Fund I has purchased a total of 35 assets totaling 

2.7 million square feet. During January 2006, Fund I recapi-

talized the Brandywine Portfolio, representing two assets

totaling approximately 1.0 million square feet, through a

In May 2004, Fund I and an unaffiliated partner, each with 

a 50% interest, acquired a 35,000 square foot shopping cen-

ter in Tarrytown, New York, for $5.3 million. Related to this

acquisition, we loaned $2.0 million to Fund I which bears

interest at the prime rate and matured May 2005. This loan

has been converted to a demand note. The 35,000 square

foot, Westchester, NY property (New York City MSA), was 

formerly anchored by a 25,000 square foot Grand Union

supermarket. The redeveloped property includes a 15,000

square foot Walgreen’s drugstore with the balance of space

merger of interests with GDC as discussed further in “BUSI-

leased to shop tenants.

NESS OBJECTIVES AND STRATEGIES” in this Item 1 of this

Form 10-K. Following are the Fund I acquisitions:

2004 Acquisitions 
On March 11, 2004, Fund I, in conjunction with our long-time

investment partner, Hendon Properties (“Hendon”), purchased

a $9.6 million first mortgage loan from New York Life Insur-

ance Company for $5.5 million. The loan, which was secured

by the Hitchcock Plaza in Aiken, South Carolina, was in default

at acquisition. Fund I and Hendon acquired the loan with 

the intention of pursuing ownership of the property secur-

ing the debt. Fund I provided 90% of the equity capital and

Hendon provided the remaining 10% of the equity capital

used to acquire the loan. Hendon is entitled to receive profit

participation in excess of its proportionate equity interest.

Subsequent to the acquisition of the loan, Fund I and Hendon

obtained fee title to this property and currently plan to

redevelop and re-anchor the center. We provided $3.2 million

of mortgage financing to the project in connection with 

the purchase of the first mortgage loan. The note matured

March 9, 2006, and bore interest at 7% for the first year and

6% for the second year. In addition to this loan, we invested

In May 2004, Fund I acquired a 50% interest in the Haygood

Shopping Center and the Sterling Heights Shopping Center

for an aggregate investment of $3.2 million. These assets are

part of the portfolio that we currently manage as a result

of our January 2004 acquisition of certain management

contracts from Klaff. The Haygood Shopping Center is a

165,000 square foot shopping center located in Virginia Beach,

VA. It is currently 73% occupied and anchored by a Farmfresh

supermarket and Eckerd Drug. The Sterling Heights Shopping

Center, located in Sterling Heights, MI (suburb of Detroit),

totals 141,000 square feet. The property is 55% occupied and

is anchored by Burlington Coat Factory. Redevelopment

activities include the complete renovation of the property

and the re-leasing of the current vacancy to Rite-Aid.

2003 Acquisitions
Brandywine Portfolio: In January of 2003, Fund I acquired 
a major open-air retail complex located in Wilmington,

Delaware. The approximately 1.0 million square foot value-

based retail complex consists of the following two properties:

Acadia Realty Trust 2005 Annual Report 6

Market Square Shopping Center: A 103,000 square foot com-
munity shopping center (including a 15,000 square foot out-

Kroger/Safeway Portfolio: In January of 2003, Fund I formed
a joint venture (the “Kroger/Safeway JV”) with an affiliate 

parcel building) which is 100% leased and anchored by a T.J.

of real estate developer and investor AmCap Incorporated

Maxx and a Trader Joe’s gourmet food market.

(“AmCap”) for the purpose of acquiring a portfolio of 25

Brandywine Town Center: A two phase open-air value retail
center. The first phase (“Phase I”) is approximately 450,000

square feet and 100% occupied, with tenants including Lowe’s,

Bed Bath & Beyond, Regal Cinema, Michaels, Petsmart, Old

Navy, Annie Sez, Thomasville Furniture and Dick’s Sporting

Goods. The second phase (“Phase II”) consists of approximately

420,000 square feet of existing space, of which Target occu-

pies 138,000 square feet and Bombay occupies 9,000 square

feet. The balance of Phase II is currently not occupied.

supermarket leases for $48.9 million inclusive of the closing

and other related acquisition costs. The portfolio, which

aggregates approximately 1.0 million square feet, consists 

of 25 anchor-only leases with Kroger (12 leases) and Safeway

supermarkets (13 leases). The majority of the properties are

free-standing and all are triple-net leases. The Kroger/Safe-

way JV acquired the portfolio subject to long-term ground

leases with terms, including renewal options, averaging in

excess of 80 years, which are master leased to a non-affili-

ated entity. The rental options for the supermarket leases at

The initial investment for this portfolio was approximately

the end of their primary lease term in approximately seven

$86.3 million, inclusive of closing and other related acquisi-

years (“Primary Term”) are at an average of $5.13 per square

tion costs. Fund I will also pay additional amounts for the

foot. Although there is no obligation for the Kroger/Safeway

current vacant space in Phase II when and if it is leased and

JV to pay ground rent during the Primary Term, to the extent

occupied (the “Earn-out”). To date, Fund I has incurred costs

it exercises an option to renew a ground lease for a property

of $30.3 million for Earn-out space.

at the end of the Primary Term, it will be obligated to pay an

During January of 2006, Fund I recapitalized this investment

average ground rent of $1.55 per square foot.

as further discussed in “BUSINESS OBJECTIVES AND STRATE-

The following table sets forth more specific information

GIES” in this Item 1 of this Form 10-K.

with respect to the 25 supermarket leases:

Location
Great Bend, KS 
Cincinnati, OH 
Conroe, TX 
Harahan, LA 
Indianapolis, IN 
Irving, TX 
Pratt, KS 
Roanoke, VA 
Shreveport, LA 
Wichita, KS 
Wichita, KS 
Atlanta, TX 
Batesville, AR 
Benton, AR 
Carthage, TX 
Little Rock, AR 
Longview, WA 
Mustang, OK 
Roswell, NM 
Ruidoso, NM 
San Ramon, CA 
Springerville, AZ 
Tucson, AZ 
Tulsa, OK 
Cary, NC 

Tenant
Kroger Co. (1)
Kroger Co.
Kroger Co. (2) 
Kroger Co. (2) 
Kroger Co.
Kroger Co.
Kroger Co. (1) 
Kroger Co.
Kroger Co.
Kroger Co. (1) 
Kroger Co. (1) 
Safeway (3) 
Safeway (1) 
Safeway (1) 
Safeway (1) 
Safeway (1) 
Safeway 
Safeway (1)
Safeway (2) 
Safeway (1) 
Safeway 
Safeway 
Safeway 
Safeway (1) 
Kroger Co. (3) 

Total 

Gross Leasable
Area (“GLA”)
48,000 
32,200 
75,000 
60,000 
34,000 
43,900 
38,000 
36,700 
45,000 
50,000 
40,000 
31,000 
29,000 
33,500 
27,700 
36,000 
48,700 
30,200 
36,300 
38,600 
54,000 
30,500 
41,800 
30,000 
48,000 

1,018,100

Current
Rent
$  3.60 
8.09 
6.95 
6.93 
5.85 
6.53 
5.68
13.02 
10.52
11.23
10.48 
7.35
10.55
8.68
7.59 
12.15 
8.27 
7.66 
10.96
11.01
9.16 
8.92 
8.64 
9.14 
6.88 

Rent Upon Initial
Option Commencement
$  2.40 
5.36 
4.60 
4.61 
3.87 
4.32 
3.78 
8.62 
6.96 
7.48 
6.97 
3.98 
5.72 
4.71 
4.12 
6.58 
4.48 
4.15 
5.94 
5.97 
4.96 
4.83 
4.68 
4.96 
4.55 

Lease Expiration Year/
Last Option Expiration Year
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 
2009/2049 

(1) The tenant is obligated to pay rent pursuant to the lease and has sub-leased this location to a supermarket sub-tenant.
(2) The tenant is obligated to pay rent pursuant to the lease and has sub-leased this location to a non-supermarket sub-tenant.
(3)The tenant is currently not operating at this location although they continue to pay rent in accordance with the lease.

Acadia Realty Trust 2005 Annual Report

7

Ohio Portfolio: In September of 2002, Fund I acquired three
supermarket-anchored shopping centers located in Cleve-

current 26,000 square foot store to 37,000 square feet. We

also installed a new 49,000 square foot Raymour and Flanigan

land and Columbus, Ohio for a total purchase price of $26.7

Furniture store at this center during 2004. This community

million. Additional information on these properties is

shopping center is now 100% occupied. Costs incurred for

included in Item 2 of this Form 10-K.

this project totaled $418,000.

ASSET SALES AND CAPITAL/ASSET RECYCLING 
We periodically identify certain properties for disposition and

redeploy the capital to existing centers or acquisitions with

greater potential for capital appreciation. During July 2005,

we sold the Berlin Shopping Center for $4.0 million and in

2004, we disposed of the East End Centre, for $12.4 million.

We also completed the redevelopment and re-anchoring of

the Town Line Plaza, located in Rocky Hill, Connecticut during

2004. The former building, occupied by GU Markets, was

demolished and replaced with a 66,000 square foot Super

Stop & Shop. The new supermarket anchor is paying gross

rent at a 33% increase over that of the former tenant with

no interruption in rent payments. Costs to date for this proj-

During July 2005 we purchased 4343 Amboy Road (“Amboy

ect totaled $1.7 million.

Road”) located in Staten Island, New York for $16.6 million 

in cash and $0.2 million in Common OP Units. The property,

a 60,000 square foot neighborhood shopping center, is

anchored by a Waldbaum’s supermarket and a Duane Reade

FINANCIAL INFORMATION ABOUT 
MARKET SEGMENTS 
We have two reportable segments: retail properties and

drug store, and is subject to a 23-year ground lease.

multi-family properties. The accounting policies of the seg-

During January 2006, we closed on a 20,000 square foot

retail building in the Lincoln Park district in Chicago (“Clark/

Diversey”). The property was acquired from an affiliate of

Klaff for $9.8 million. Tenants include Starbucks, Nine West,

Vitamin Shoppe, The Body Shop, Papyrus and Cold Stone

Creamery. Along with its strong location, the property has

significant long-term growth potential.

ments are the same as those described in the notes to the

consolidated financial statements appearing in Item 8 of

this Annual Report on Form 10-K. We evaluate property per-

formance primarily based on net operating income before

depreciation, amortization and certain non-recurring items.

The reportable segments are managed separately due to the

differing nature of the leases and property operations asso-

ciated with retail versus residential tenants. We do not have

Also during January 2006, we acquired a 60% interest in the

any foreign operations. See the consolidated financial state-

A&P Shopping Plaza located in Boonton (“Boonton”), New

ments and notes thereto included in Item 8 of this Annual

Jersey. The property, which is 100% occupied and located in

Report on Form 10-K for certain information on industry

northeastern New Jersey, is a 63,000 square foot shopping

segments as required by Item 1.

center anchored by a 49,000 square foot A&P Supermarket.

The remaining 40% interest is owned by a principal of P/A.

The interest was acquired for $3.2 million.

PROPERTY REDEVELOPMENT AND EXPANSION 
Our redevelopment program focuses on selecting well-

CORPORATE HEADQUARTERS AND EMPLOYEES 
Our executive offices are located at 1311 Mamaroneck Avenue,

Suite 260, White Plains, New York 10605, and our telephone

number is (914) 288-8100. We have 158 employees, of whom

94 are located at our executive office, seven at the Pennsylva-

located neighborhood and community shopping centers and

nia regional office and the remaining property management

creating significant value through re-tenanting and property

personnel are located on-site at our properties.

redevelopment. During 2005, we did not undertake any sig-

nificant redevelopment projects within our core portfolio.

During 2004, we completed the redevelopment of the New

Loudon Center, located in Latham, New York. A new anchor,

The Bon Ton Department Store, opened for business during

the fourth quarter of 2003 as part of the redevelopment of

this shopping center. Occupying 66,000 square feet formerly

occupied by an Ames department store, Bon Ton is paying

base rent at a 15% increase over that of Ames. During 2004,

Marshall’s, an existing tenant at the center, expanded its

COMPANY WEBSITE 
All of our filings with the Securities and Exchange Com-

mission, including our annual reports on Form 10-K, quar-

terly reports on Form 10-Q and current reports on Form 8-K

and amendments to those reports filed or furnished pur-

suant to Section 13(a) or 15(d) of the Securities Exchange 

Act of 1934, are available free of charge at our website at

www.acadiarealty.com, as soon as reasonably practicable

after we electronically file such material with, or furnish it

to, the Securities and Exchange Commission. These filings

Acadia Realty Trust 2005 Annual Report 8

can also be accessed through the Securities and Exchange

if a major tenant files bankruptcy. See the discussion of

Commission’s website at www.sec.gov. Alternatively, we will

bankruptcy risks under Risk Factors.

provide paper copies of our filings free of charge upon request.

CODE OF ETHICS AND WHISTLEBLOWER 
POLICIES 
During 2003, our Board of Trustees adopted a Code of Ethics

for Senior Financial Officers that applies to our Chief Execu-

tive Officer, Chief Financial Officer, Chief Accounting Officer,

Controller and Assistant Controllers. The Board also adopted

a Code of Business Conduct and Ethics applicable to all

employees, as well as a “Whistleblower Policy.” Copies of

these documents are available in the Investor Information

section of our website.

ITEM 1A. RISK FACTORSx

Limited control over joint venture investments.

Our joint venture investments may involve risks not other-

wise present for investments made solely by us, including

the possibility that our joint venture partner might have 

different interests or goals than we do. Other risks of joint

venture investments include impasse on decisions, such as 

a sale, because neither we nor a joint venture partner would

have full control over the joint venture. Also, there is no 

limitation under our organizational documents as to the

amount of funds that may be invested in joint ventures.

Through our investments in joint ventures we have also

invested in operating businesses that have operational risk

If any of the following risks actually occur, our business,

in addition to the risks associated with real estate investments,

results of operations and financial condition would likely

including among other risks, human capital issues, adequate

suffer. This section includes or refers to certain forward-

supply of product and material, and merchandising issues,

looking statements. Refer to the explanation of the qualifi-

cations and limitations on such forward-looking statements

discussed elsewhere in this Form 10-K.

We rely on revenues derived from major tenants.

We derive significant revenues from certain anchor tenants

that occupy space in more than one center. We could be

adversely affected in the event of the bankruptcy or insol-

vency of, or a downturn in the business of, any of our major

tenants, or in the event that any such tenant does not

renew its leases as they expire or renews at lower rental

rates. Vacated anchor space not only would reduce rental

revenues if not re-tenanted at the same rental rates but also

could adversely affect the entire shopping center because of

the loss of the departed anchor tenant’s customer drawing

power. Loss of customer drawing power also can occur through

the exercise of the right that most anchors have to vacate

and prevent re-tenanting by paying rent for the balance of

the lease term, or the departure of an anchor tenant that

owns its own property. In addition, in the event that certain

major tenants cease to occupy a property, such an action

may result in a significant number of other tenants having

the right to terminate their leases, or pay a reduced rent

based on a percentage of the tenant’s sales, at the affected

property, which could adversely affect the future income

from such property.

Tenants may seek the protection of the bankruptcy laws,

which could result in the rejection and termination of their

leases and thereby cause a reduction in the cash flow avail-

able for distribution by us. Such reduction could be material

During 2005, our investment in joint ventures provided 

Promote income. There can be no assurance that the joint

ventures will continue to operate profitably and thus provide

additional Promote income in the future.

Under the terms of our Fund II joint venture, we are required

to first offer to Fund II all of our opportunities to acquire retail

shopping centers. Only if (i) our joint venture partner elects

not to approve Fund II’s pursuit of an acquisition opportunity;

(ii) the ownership of the acquisition opportunity by Fund II

would create a material conflict of interest for us; (iii) we

require the acquisition opportunity for a “like-kind” exchange;

or (iv) the consideration payable for the acquisition opportunity

is our Common Shares, OP Units or other securities, may we

pursue the opportunity directly. As a result, we may not be able

to make attractive acquisitions directly and may only receive

a minority interest in such acquisitions through Fund II.

We operate through a partnership structure, which could
have an adverse effect on our ability to manage our assets.

Our primary property-owning vehicle is the Operating Part-

nership, of which we are the general partner. Our acquisition

of properties through the Operating Partnership in exchange

for interests in the Operating Partnership may permit certain

tax deferral advantages to limited partners who contribute

properties to the Operating Partnership. Since properties

contributed to the Operating Partnership may have unrealized

gain attributable to the difference between the fair market

value and adjusted tax basis in such properties prior to con-

tribution, the sale of such properties could cause adverse tax

consequences to the limited partners who contributed such

Acadia Realty Trust 2005 Annual Report

9

properties. Although we, as the general partner of the Oper-

potential reduction in customer traffic may adversely impact

ating Partnership, generally have no obligation to consider

the balance of tenants at the center.

the tax consequences of our actions to any limited partner,

there can be no assurance that the Operating Partnership

will not acquire properties in the future subject to material

restrictions designed to minimize the adverse tax conse-

quences to the limited partners who contribute such prop-

erties. Such restrictions could result in significantly reduced

flexibility to manage our assets.

There are risks relating to investments in real estate.

Value of real estate is dependent on numerous factors. Real

property investments are subject to varying degrees of risk.

Real estate values are affected by a number of factors,

including: changes in the general economic climate, local

conditions (such as an oversupply of space or a reduction in

demand for real estate in an area), the quality and philosophy

of management, competition from other available space, the

ability of the owner to provide adequate maintenance and

insurance and to control variable operating costs. Shopping

centers, in particular, may be affected by changing perceptions

of retailers or shoppers regarding the safety, convenience

and attractiveness of the shopping center and by the overall

climate for the retail industry generally. Real estate values

are also affected by such factors as government regulations,

interest rate levels, the availability of financing and potential

liability under, and changes in, environmental, zoning, tax

and other laws. As substantially all of our income is derived

from rental income from real property, our income and cash

flow would be adversely affected if a significant number of

our tenants were unable to meet their obligations, or if we

were unable to lease on economically favorable terms a sig-

nificant amount of space in our properties. In the event of

default by a tenant, we may experience delays in enforcing,

and incur substantial costs to enforce, our rights as a land-

lord. In addition, certain significant expenditures associated

with each equity investment (such as mortgage payments,

real estate taxes and maintenance costs) are generally not

reduced when circumstances cause a reduction in income

from the investment.

The bankruptcy of, or a downturn in the business of, any
of our major tenants may adversely affect our cash flows
and property values.

Certain of our tenants have experienced financial difficulties

and have filed for bankruptcy under Chapter 11 of the United

States Bankruptcy Code (“Chapter 11 Bankruptcy”). Pursuant

to bankruptcy law, tenants have the right to reject their leases.

In the event the tenant exercises this right, the landlord

generally has the right to file a claim for lost rent equal to

the greater of either one year’s rent (including tenant expense

reimbursements) for remaining terms greater than one year,

or 15% of the rent remaining under the balance of the lease

term, but not to exceed three years rent. Actual amounts to

be received in satisfaction of those claims will be subject to

the tenant’s final plan of reorganization and the availability

of funds to pay its creditors.

Since January 1, 2003, there have been two significant tenant

bankruptcies within our portfolio:

On May 30, 2003, The Penn Traffic Company (“Penn Traffic”)

filed for protection under Chapter 11 Bankruptcy. Penn Traffic

operates in one location in our wholly-owned portfolio in

52,000 square feet. Rental revenues from this tenant at this

location were $0.4 million for the year ended December 31,

2005 and $0.5 million for each of the years ended December

31, 2004 and 2003. Penn Traffic also operated in a location

occupying 55,000 square feet at a property in which we,

through Fund I, hold a 22% ownership interest. Our pro-rata

share of rental revenues from the tenant at this location were

$0, $22,000 and $147,000 for the years ended December 31,

2005, 2004 and 2003, respectively. Penn Traffic continues to

operate in our wholly-owned location and has assumed this

lease. Penn Traffic rejected the lease at the joint venture

location on February 20, 2004.

On January 14, 2004, KB Toys (“KB”) filed for protection under

Chapter 11 Bankruptcy. KB operated in five locations in our

wholly-owned portfolio totaling approximately 41,000 square

feet. Rental revenues from KB at these locations aggregated

$0.3 million, $ 0.8 million and $0.7 million for the years ended

December 31, 2005, 2004 and 2003, respectively. KB also

operated in a location occupying 20,000 square feet at a

property in which we hold a 22% ownership interest through

Fund I. Our pro-rata share of rental revenues from the tenant

The bankruptcy of, or a downturn in the business of, any of

at this location were $0, $37,000 and $87,000 for the years

our major tenants causing them to reject their leases, or not

ended December 31, 2005, 2004 and 2003, respectively. KB

renew their leases as they expire, or renew at lower rental

rejected the lease at two of the locations and continues

rates may adversely affect our cash flows and property values.

to operate in three of our wholly-owned locations but has

Furthermore, the impact of vacated anchor space and the

neither assumed nor rejected these three leases. The tenant

has rejected the lease at the Fund I property.

Acadia Realty Trust 2005 Annual Report 10

We could be adversely affected by poor market conditions
where properties are geographically concentrated.

require us to comply with certain affirmative and negative

covenants, including the maintenance of certain debt service

Our performance depends on the economic conditions in

coverage and leverage ratios. In addition, as of December 31,

markets in which our properties are concentrated. We have

2005, loans secured by five of our properties, totaling $44.5

significant exposure to the New York region, from which we

million, are subject to cross-collateralization and cross-default

derive 32% of the annual base rents within our wholly-owned

provisions and two loans, aggregating $29.1 million, are also

portfolio. Our operating results could be adversely affected

subject to cross-collateralization and cross-default provisions.

if market conditions, such as an oversupply of space or a

reduction in demand for real estate, in this area becomes

more competitive relative to other geographic areas.

Our ability to change our portfolio is limited because real
estate investments are illiquid.

Interest expense on our variable debt as of December 31,

2005 would increase by $0.2 million annually for a 100 basis

point increase in interest rates. We may seek additional vari-

able-rate financing if and when pricing and other commercial

and financial terms warrant. As such, we would consider

Equity investments in real estate are relatively illiquid and,

hedging against the interest rate risk related to such addi-

therefore, our ability to change our portfolio promptly in

tional variable-rate debt through interest rate swaps and

response to changed conditions will be limited. Our board 

protection agreements, or other means.

of trustees may establish investment criteria or limitations

as it deems appropriate, but currently does not limit the

number of properties in which we may seek to invest or 

on the concentration of investments in any one geographic

region. We could change our investment, disposition and

financing policies without a vote of our shareholders.

Market interest rates could have an adverse effect on 
our share price.

One of the factors that may influence the trading price 

of our Common Shares is the annual dividend rate on our 

Common Shares as a percentage of its market price. An

increase in market interest rates may lead purchasers of 

our Common Shares to seek a higher annual dividend rate,

which could adversely affect the market price of our Com-

mon Shares and our ability to raise additional equity in the

public markets.

We could become highly leveraged, resulting in increased
risk of default on our obligations and in an increase in
debt service requirements which could adversely affect
our financial condition and results of operations and our
ability to pay distributions.

We enter into interest-rate hedging transactions, including

interest rate swaps and cap agreements, with counterpar-

ties. There can be no guarantee that the financial condition

of these counterparties will enable them to fulfill their obli-

gations under these agreements.

We may not be able to renew current leases and the
terms of re-letting (including the cost of concessions 
to tenants) may be less favorable to us than current
lease terms.

Upon the expiration of current leases for space located in

our properties, we may not be able to re-let all or a portion

of that space, or the terms of re-letting (including the cost

of concessions to tenants) may be less favorable to us than

current lease terms. If we are unable to re-let promptly all 

or a substantial portion of the space located in our properties

or if the rental rates we receive upon re-letting are signifi-

cantly lower than current rates, our net income and ability

to make expected distributions to our shareholders will be

adversely affected due to the resulting reduction in rent

receipts. There can be no assurance that we will be able to

retain tenants in any of our properties upon the expiration

We have incurred, and expect to continue to incur, indebted-

of their leases. See Item 2 - Properties - Lease Expirations in

ness in furtherance of our activities. Neither our Declaration

this Annual Report on Form 10-K for additional information

of Trust nor any policy statement formally adopted by our

as to the scheduled lease expirations in our portfolio.

board of trustees limits either the total amount of indebted-

ness or the specified percentage of indebtedness that we may

incur. Accordingly, we could become more highly leveraged,

resulting in increased risk of default on our obligations and

in an increase in debt service requirements which could

adversely affect our financial condition and results of opera-

tions and our ability to make distributions.

Our loan agreements contain customary representations,

covenants and events of default. Certain loan agreements

Acadia Realty Trust 2005 Annual Report

11

Possible liability relating to environmental matters.

Under various federal, state and local environmental laws,

statutes, ordinances, rules and regulations, as an owner of

real property, we may be liable for the costs of removal or

remediation of certain hazardous or toxic substances at, on,

in or under our property, as well as certain other potential

costs relating to hazardous or toxic substances (including

government fines and penalties and damages for injuries 

to persons and adjacent property). These laws may impose

Changes in laws increasing the potential liability for environ-

liability without regard to whether we knew of, or were

mental conditions existing on properties or increasing the

responsible for, the presence or disposal of those substances.

restrictions on discharges or other conditions may result in

This liability may be imposed on us in connection with the

significant unanticipated expenditures or may otherwise

activities of an operator of, or tenant at, the property. The

adversely affect the operations of our tenants, which could

cost of any required remediation, removal, fines or personal

adversely affect our financial condition or results of operations.

or property damages and our liability therefore could exceed

the value of the property and/or our aggregate assets. In

addition, the presence of those substances, or the failure to

properly dispose of or remove those substances, may adversely

affect our ability to sell or rent that property or to borrow

using that property as collateral, which, in turn, would

reduce our revenues and ability to make distributions.

Competition may adversely affect our ability to purchase
properties and to attract and retain tenants.

There are numerous commercial developers, real estate 

companies, financial institutions and other investors with

greater financial resources than we have that compete with

us in seeking properties for acquisition and tenants who 

will lease space in our properties. Our competitors include

A property can also be adversely affected either through

other REITs, financial institutions, insurance companies,

physical contamination or by virtue of an adverse effect

pension funds, private companies and individuals. This com-

upon value attributable to the migration of hazardous or

petition may result in a higher cost for properties that we

toxic substances, or other contaminants that have or may

wish to purchase.

have emanated from other properties. Although our tenants

are primarily responsible for any environmental damages

and claims related to the leased premises, in the event of

the bankruptcy or inability of any of our tenants to satisfy

any obligations with respect to the property leased to that

tenant, we may be required to satisfy such obligations. In

addition, we may be held directly liable for any such dam-

ages or claims irrespective of the provisions of any lease.

From time to time, in connection with the conduct of our

business, and prior to the acquisition of any property from 

a third party or as required by our financing sources, we

authorize the preparation of Phase I environmental reports

and, when necessary, Phase II environmental reports, with

respect to our properties. Based upon these environmental

reports and our ongoing review of our properties, as of the

date of this prospectus supplement, we are not aware of any

environmental condition with respect to any of our properties

that we believe would be reasonably likely to have a material

adverse effect on us. There can be no assurance, however,

that the environmental reports will reveal all environmental

conditions at our properties or that the following will not

expose us to material liability in the future:

■ The discovery of previously unknown environmental 

conditions.

■ Changes in law.

■ Activities of tenants.

■ Activities relating to properties in the vicinity of our 

properties.

In addition, retailers at our properties face increasing com-

petition from outlet malls, discount shopping clubs, internet

commerce, direct mail and telemarketing, which could 

(i) reduce rents payable to us; (ii) reduce our ability to

attract and retain tenants at our properties; and (iii) lead 

to increased vacancy rates at our properties.

We have pursued, and may in the future continue to 
pursue, extensive growth opportunities which may
result in significant demands on our operational,
administrative and financial resources.

We have pursued extensive growth opportunities. This

expansion has placed significant demands on our operational,

administrative and financial resources. The continued growth

of our real estate portfolio can be expected to continue to

place a significant strain on its resources. Our future perform-

ance will depend in part on our ability to successfully attract

and retain qualified management personnel to manage the

growth and operations of our business and to finance such

acquisitions. In addition, acquired properties may fail to

operate at expected levels due to the numerous factors

which may affect the value of real estate. There can be no

assurance that we will have sufficient resources to identify

and manage acquired properties or otherwise be able to

maintain our historic rate of growth.

Our inability to carry out our growth strategy could
adversely affect our financial condition and results of
operations.

Our growth strategy is based on the acquisition and 

development of additional properties, including acquisitions

through co-investment programs such as joint ventures. In

Acadia Realty Trust 2005 Annual Report 12

the context of our business plan, “development” generally

qualified or will remain qualified as a REIT. The Internal Rev-

means an expansion or renovation of an existing property.

enue Code provisions and income tax regulations applicable

The consummation of any future acquisitions will be subject

to REIT’s are more complex than those applicable to corpo-

to satisfactory completion of our extensive valuation analysis

rations. The determination of various factual matters and

and due diligence review and to the negotiation of definitive

circumstances not entirely within our control may affect our

documentation. We cannot be sure that we will be able to

ability to continue to qualify as a REIT. In addition, no assur-

implement our strategy because we may have difficulty

ance can be given that legislation, regulations, administrative

finding new properties, negotiating with new or existing

interpretations or court decisions will not significantly change

tenants or securing acceptable financing.

the requirements for qualification as a REIT or the federal

Acquisitions of additional properties entail the risk that

investments will fail to perform in accordance with expec-

tations, including operating and leasing expectations. Rede-

velopment is subject to numerous risks, including risks of

construction delays, cost overruns or force majeure that

may increase project costs, new project commencement

risks such as the receipt of zoning, occupancy and other

required governmental approvals and permits, and the

incurrence of development costs in connection with projects

that are not pursued to completion.

Our board of trustees may change our investment policy
without shareholder approval.

income tax consequences of such qualification. If we do not

qualify as a REIT, we would not be allowed a deduction for

distributions to shareholders in computing our net taxable

income. In addition, our income would be subject to tax at

the regular corporate rates. We also could be disqualified from

treatment as a REIT for the four taxable years following the

year during which qualification was lost. Cash available for

distribution to our shareholders would be significantly reduced

for each year in which we do not qualify as a REIT. In that

event, we would not be required to continue to make distri-

butions. Although we currently intend to continue to qualify

as a REIT, it is possible that future economic, market, legal,

tax or other considerations may cause us, without the con-

Our board of trustees will determine our investment and

sent of the shareholders, to revoke the REIT election or to

financing policies, our growth strategy and our debt, capital-

otherwise take action that would result in disqualification.

ization, distribution, acquisition, disposition and operating

policies. Our board of trustees may establish investment

criteria or limitations as it deems appropriate, but currently

does not limit the number of properties in which we may

seek to invest or on the concentration of investments in 

any one geographic region. Although our board of trustees

has no present intention to revise or amend our strategies

and policies, it may do so at any time without a vote by our

shareholders. Accordingly, our shareholders’ control over

changes in our strategies and policies is limited to the elec-

tion of trustees, and changes made by our board of trustees

may not serve the interests of all of our shareholders and

could adversely affect our financial condition or results of

operations, including our ability to distribute cash to share-

holders or qualify as a REIT.

There can be no assurance we have qualified or will
remain qualified as a REIT for federal income tax purposes.

Distribution requirements imposed by law limit our
operating flexibility.

To maintain our status as a REIT for federal income tax pur-

poses, we are generally required to distribute to our share-

holders at least 90% of our taxable income for that calendar

year. Our taxable income is determined without regard to

any deduction for dividends paid and by excluding net capital

gains. To the extent that we satisfy the distribution require-

ment, but distribute less than 100% of our taxable income,

we will be subject to federal corporate income tax on our

undistributed income. In addition, we will incur a 4% nonde-

ductible excise tax on the amount, if any, by which our distri-

butions in any year are less than the sum of (i) 85% of our

ordinary income for that year; (ii) 95% of our capital gain net

income for that year; and (iii) 100% of our undistributed tax-

able income from prior years. We intend to continue to make

distributions to our shareholders to comply with the distribu-

We believe that we have met the requirements for qualifi-

tion requirements of the Internal Revenue Code and to reduce

cation as a REIT for federal income tax purposes beginning

exposure to federal income and nondeductible excise taxes.

with our taxable year ended December 31, 1993, and we intend

Differences in timing between the receipt of income and the

to continue to meet these requirements in the future. How-

payment of expenses in determining our income and the

ever, qualification as a REIT involves the application of highly

effect of required debt amortization payments could require

technical and complex provisions of the Internal Revenue

us to borrow funds on a short-term basis in order to meet

Code, for which there are only limited judicial or administra-

the distribution requirements that are necessary to achieve

tive interpretations. No assurance can be given that we have

the tax benefits associated with qualifying as a REIT.

Acadia Realty Trust 2005 Annual Report

13

Uninsured losses or a loss in excess of insured limits
could adversely affect our financial condition.

rules for these limits are complex and groups of related 

individuals or entities may be deemed a single owner and

We carry comprehensive liability, fire, extended coverage 

consequently in violation of the share ownership limits.

and rent loss insurance on most of our properties, with policy

specifications and insured limits customarily carried for sim-

ilar properties. However, with respect to those properties

where the leases do not provide for abatement of rent under

any circumstances, we generally do not maintain rent loss

insurance. In addition, there are certain types of losses, such

as losses resulting from wars, terrorism or acts of God that

generally are not insured because they are either uninsurable

or not economically insurable. Should an uninsured loss or a

loss in excess of insured limits occur, we could lose capital

invested in a property, as well as the anticipated future rev-

enues from a property, while remaining obligated for any

mortgage indebtedness or other financial obligations related

to the property. Any loss of these types would adversely

affect our financial condition.

Adverse legislative or regulatory tax changes could have
an adverse effect on us.

There are a number of issues associated with an investment

in a REIT that are related to the federal income tax laws,

including, but not limited to, the consequences of failing 

to continue to qualify as a REIT. At any time, the federal

income tax laws governing REIT’s or the administrative

interpretations of those laws may be amended. Any of those

new laws or interpretations may take effect retroactively

and could adversely affect us or our shareholders. Recently

enacted legislation reduces tax rates applicable to certain

corporate dividends paid to most domestic noncorporate

shareholders. REIT dividends generally would not be eligible

for reduced rates because a REIT’s income generally is not

subject to corporate level tax. As a result, investment in 

Limits on ownership of our capital shares.

non-REIT corporations may be viewed as relatively more

For the Company to qualify as a REIT for federal income tax

attractive than investment in REIT’s by domestic noncorporate

purposes, among other requirements, not more than 50% 

investors. This could adversely affect the market price of the

of the value of our capital shares may be owned, directly or

Company’s shares.

indirectly, by five or fewer individuals (as defined in the Inter-

nal Revenue Code to include certain entities) during the last

half of each taxable year after 1993, and such capital shares

must be beneficially owned by 100 or more persons during

at least 335 days of a taxable year of 12 months or during a

proportionate part of a shorter taxable year (in each case,

other than the first such year). Our Declaration of Trust includes

certain restrictions regarding transfers of our capital shares

and ownership limits that are intended to assist us in satis-

fying these limitations. These restrictions and limits may not

be adequate in all cases, however, to prevent the transfer of

our capital shares in violation of the ownership limitations.

The ownership limit discussed above may have the effect

of delaying, deferring or preventing someone from taking

control of us.

Concentration of ownership by certain investors.

Six shareholders own more than 5% individually, and 45.7%

in the aggregate, of our Common Shares. A significant con-

centration of ownership may allow an investor to exert a

greater influence over our management and affairs and 

may have the effect of delaying, deferring or preventing a

change in control of us.

Restrictions on a potential change of control.

Our Board of Trustees is authorized by our Declaration of

Trust to establish and issue one or more series of preferred

shares without shareholder approval. We have not established

any series of preferred shares; however, the establishment

and issuance of a series of preferred shares could make more

difficult a change of control of us that could be in the best

Actual or constructive ownership of our capital shares in

interest of the shareholders.

excess of the share ownership limits contained in our Decla-

ration of Trust would cause the violative transfer or ownership

to be null and void from the beginning and subject to purchase

by us at a price equal to the lesser of (i) the price stipulated

in the challenged transaction; and (ii) the fair market value

of such shares (determined in accordance with the rules set

forth in our declaration of trust). As a result, if a violative

transfer were made, the recipient of the shares would not

acquire any economic or voting rights attributable to the

transferred shares. Additionally, the constructive ownership

In addition, we have entered into an employment agreement

with our Chief Executive Officer and severance agreements

are in place with our senior vice presidents which provide

that, upon the occurrence of a change in control of us, those

executive officers would be entitled to certain termination

or severance payments made by us (which may include a

lump sum payment equal to defined percentages of annual

salary and prior years’ average bonuses, paid in accordance

with the terms and conditions of the respective agreement),

Acadia Realty Trust 2005 Annual Report 14

which could deter a change of control of us that could be in

feet with an average size of 199,000 square feet. As of

our best interest.

The loss of a key executive officer could have an adverse
effect on us.

Our success depends on the contribution of key management

members. The loss of the services of Kenneth F. Bernstein,

December 31, 2005, our wholly-owned portfolio and the

Joint Venture Portfolio (excluding properties under redevel-

opment) were 94.3% and 96.8% occupied, respectively. Our

shopping centers are typically anchored by supermarkets or

value-oriented retail.

President and Chief Executive Officer, or other key executive-

We had approximately 671 leases as of December 31, 2005.

level employees could have a material adverse effect on 

Greater than 50% of our rental revenues were from national

our results of operations. Although we have entered into 

tenants. A majority of the income from the properties consists

an employment agreement with our President, Kenneth F.

of rent received under long-term leases. Most of these leases

Bernstein, the loss of his services could have an adverse

provide for the payment of fixed minimum rent monthly in

effect on our operations.

ITEM 1B. UNRESOLVED STAFF COMMENTSx

None.

ITEM 2. PROPERTIESx

Shopping Center Properties 
The discussion and tables in Item 2 include properties held

through joint ventures in which we own a partial interest

(“Joint Venture Portfolio”). Except where noted, it does not

include our partial interest in 25 anchor-only leases with

Kroger and Safeway supermarkets as previously discussed 

advance and for the payment by tenants of a pro-rata share

of the real estate taxes, insurance, utilities and common area

maintenance of the shopping centers. Minimum rents and

expense reimbursements accounted for approximately 80%

of our total revenues for the year ended December 31, 2005.

As of December 31, 2005, approximately 45% of our existing

leases also provided for the payment of percentage rents

either in addition to, or in place of, minimum rents. These

arrangements generally provide for payment to us of a certain

percentage of a tenant’s gross sales in excess of a stipulated

annual amount. Percentage rents accounted for approximately

1% of the total 2005 revenues of the Company.

in “PROPERTY ACQUISITIONS” in Item 1 of this Form 10-K , as

Five of our shopping center properties are subject to long-

the majority of these properties are free-standing and all 

term ground leases in which a third party owns and has

are triple-net leases.

As of December 31, 2005, we owned and operated 46 shop-

ping centers as part of our wholly-owned portfolio and the

Joint Venture Portfolio, which included a mixed-use property

leased the underlying land to us. We pay rent for the use of

the land at four locations and are responsible for all costs

and expenses associated with the buildings and improve-

ments at all five locations.

(retail and residential), ten properties under redevelopment

No individual property contributed in excess of 10% of our

and one property under development. Our shopping centers,

total revenues for the years ended December 31, 2005, 2004

which total approximately 7.7 million square feet of gross

and 2003.

leaseable area (“GLA”), are located in 15 states and are gener-

ally well-established, anchored community and neighborhood

shopping centers. The operating properties are diverse in

size, ranging from approximately 17,000 to 775,000 square

Reference is made to our consolidated financial statements

in Item 8 of this Annual Report on form 10-K for information

on the mortgage debt pertaining to our properties.

Acadia Realty Trust 2005 Annual Report

15

The following sets forth more specific information with respect to each of our shopping centers at December 31, 2005:

Shopping Center

Location

Year
Constructed (C)
Acquired (A)

Ownership
Interest

Occupancy (1) %
12/31/05

GLA

Anchor Tenants
Current Lease Expiration/
Lease Option Expiration

NEW YORK REGION

New York
Soundview Marketplace

Village Commons 

Shopping Center 

Port Washington

1998 (A)

LI/Fee (5)

183,675

94%

Smithtown 

1998 (A) 

Fee 

87,306 

100%

Branch Shopping Plaza 

Smithtown 

1998 (A) 

LI (5) 

125,724

99%

New Loudon Center 

Latham 

1982 (A) 

Fee 

255,826

100%

Pacesetter Park Shopping Center 

Pomona 

Amboy Road

Staten Island

1999 (A) 
2005 (A)

Fee 
LI (5)

96,698 

59,979

96%

100%

Bartow Avenue

Bronx

2005 (C)

Fee

14,694

51%

New Jersey
Elmwood Park Shopping Center 

Elmwood Park 

1998 (A) 

Fee 

149,085 

98%

Marketplace of Absecon 

Absecon 

1998 (A) 

Fee 

105,097 

97%

Ledgewood Mall 

Ledgewood 

1983 (A) 

Fee 

517,077 

95%

NEW ENGLAND REGION

Connecticut
Town Line Plaza 

Rocky Hill 

1998 (A) 

Fee 

206,178 (2) 

96%

239 Greenwich Avenue 

Greenwich 

1998 (A) 

Fee 

16,834 (3)(4) 

100%

Massachusetts 
Methuen Shopping Center 

Methuen 

1998 (A) 

LI/Fee (5) 

130,238 

92%

Crescent Plaza 

Brockton 

1984 (A) 

Fee 

218,141 

99%

Rhode Island 
Walnut Hill Plaza 

Woonsocket

1998 (A) 

Fee 

283,235 

99%

King Kullen 2007/2022
Clearview Cinema 2010/2030

Daffy’s 2008/2028
Walgreens 2021/none 
Waldbaum’s 2013/2028
CVS 2010/—
Price Chopper 2015/2035
Marshalls 2014/2029
Bon Ton 2014/2034
Raymour & Flanigan 2019/2034
AC Moore 2009/2014
Stop & Shop 2020/2040
Waldbaum’s 2028/—
Duane Reade 2008/2018

Pathmark 2017/2052
Walgreens 2022/2062
Acme 2015/2055
Eckerd Drug 2020/2040
Wal-Mart 2019/2049
Macy’s 2010/2025
The Sports Authority 2007/2037
Circuit City 2020/2040
Marshall’s 2014/2034
Barnes & Noble 2010/2035
Ashley Furniture 2010/2030

Stop & Shop 2023/2063
Wal-Mart(2) 
Restoration Hardware
2015/2025
Coach 2016/2021

DeMoulas Market 2015/2020
Wal-Mart 2011/2051
Shaw’s 2012/2042
Home Depot 2021/2056

Shaw’s 2013/2043
Sears 2008/2033
CVS 2009/2014

Vermont
The Gateway Shopping Center 

South Burlington 

1999 (A) 

Fee 

101,792 

99%

Shaw’s 2024/2054

Acadia Realty Trust 2005 Annual Report 16

Shopping Center

Location

Year
Constructed (C)
Acquired (A)

Ownership
Interest

Occupancy (1) %
12/31/05

GLA

Anchor Tenants
Current Lease Expiration/
Lease Option Expiration

MIDWEST REGION 

Illinois 
Hobson West Plaza 

Indiana 
Merrillville Plaza 

Naperville 

1998 (A) 

Fee 

99,044 

99%

Bobak’s Market & Restaurant
2007/2032

Merrillville 

1998 (A) 

Fee 

235,605 

94%

TJ Maxx 2009/2014
JC Penney 2008/2018
Office Max 2008/2028
Pier I 2009/—
David’s Bridal 2010/2020
Toys ‘R’ Us 2014/2039

TJ Maxx 2009/—
Marshalls 2011/2026
Home Goods 2010/2025

Babies ‘R’ Us 2010/2020
Office Depot 2010/—
Pier I 2010/— 

TJ Maxx 2010/2020
Target (6) 
Kmart 2009/2049
Eckerd Drug 2006/—
P&C Foods 2014/2024
Kmart 2019/2069
Giant Food 2021/2051
Eckerd Drug 2009/2019
Price Rite/Wakefern 2015/2035
Redner’s Markets 2018/2028
Kmart 2009/2049
Redner’s Markets 2018/2028
Eckerd Drug 2006/2016
Home Depot 2028/2058
Weis Markets (not owned)
Kmart 2020/2070
Eckerd Drug 2011/2026
Fashion Bug 2006/—

Michigan 
Bloomfield Town Square 

Bloomfield Hills 

1998 (A) 

Fee 

214,866 

97%

Ohio 
Mad River Station 

MID-ATLANTIC REGION 

Pennsylvania 
Abington Towne Center 

Dayton 

1999 (A) 

Fee 

155,739 (7) 

82%

Abington 

1998 (A) 

Fee 

216,355 (6) 

99%

Blackman Plaza 

Wilkes-Barre 

1968 (C) 

Fee 

121,341 

92%

Bradford Towne Centre 

Towanda 

1993 (C) 

Fee 

256,939 

91%

Greenridge Plaza 

Scranton 

Luzerne Street Shopping Center 

Scranton 

1986 (C) 
1983 (A) 

Fee 

Fee 

191,755 

58,228 

79%
87%

Mark Plaza 

Pittston Plaza 

Plaza 422 

Route 6 Mall 

Edwardsville 

1968 (C) 

LI/Fee (5) 

216,047 

97%

Pittston 

1994 (C) 

Fee 

79,494 

96%

Lebanon 

Honesdale 

1972 (C) 
1994 (C) 

Fee 

Fee 

155,026 

175,507 

69%
99%

Wholly-owned portfolio

4,727,525

94%

Acadia Realty Trust 2005 Annual Report

17

Properties Held In Joint Ventures

Shopping Center

Location

Constructed (C)
Acquired (A)

Year
Ownership
Interest

Occupancy (1) %
12/31/05

GLA

Anchor Tenants
Current Lease Expiration/
Lease Option Expiration

NEW YORK REGION

New York
Crossroads Shopping Center 

White Plains

1998(A) 

JV (8)

310,644

100%

MID-ATLANTIC REGION

Delaware
Brandywine Town Center 

Wilmington

2003(A) 

JV (10)

775,932

100%

Market Square Shopping Center  Wilmington 

2003(A) 

JV (10)

102,762  

100%

MIDWEST REGION

Ohio
Amherst Marketplace 

Cleveland

2002(A) 

JV (10) 

79,937 

100%

Granville Centre

Sheffield Crossing

Columbus

Cleveland

2002(A) 

2002(A)

JV (10)

JV (10)

134,999 

112,534

44%

94%

VARIOUS REGIONS

Kroger/Safeway Portfolio

Various

2003 (A)

JV (10)

1,018,100

100%

Waldbaum’s 2007/2032
Kmart 2012/2022
B. Dalton 2012/2017
Modell’s 2009/2019
Pier I 2007/2017
Pay Half 2018/—

Annie Sez (Big M) 2007/2022
Michaels 2011/2026
Old Navy (The Gap) 2011/2016
Petsmart 2017/2042
Thomasville Furniture
2011/2021
World Market 2015/—
Access Group 2015/2025
Bed, Bath & Beyond 2014/2029
Dick’s Sporting Goods
2013/2028

Lowe’s Home Centers
2018/2048
Regal Cinemas 2017/2037
Target 2018/2068
Kincaid Furniture 2010/—
Transunion Settlement
2013/2018

The Bombay Company
2015/2025

Lane Home Furnishings
2015/—
Tutor Time 2010/2025
Moe’s 2015/—
MJM Designer 2015/—
New Balance
Trader Joe’s 2013/2028
TJ Maxx 2006/2016

Giant Eagle 2021/2041
Riser Foods Company/
Pharmacy 2012/2027
California Fitness 2017/2027
Giant Eagle 2022/2042
Revco Drug 2012/2027

25 Kroger/Safeway 
Supermarkets 2009/2049

Acadia Realty Trust 2005 Annual Report 18

JV Redevelopments

Shopping Center

Location

Michigan
Sterling Heights Shopping Center Detroit

Year
Constructed (C)
Acquired (A)

Ownership
Interest

Occupancy (1) %
12/31/05

GLA

Anchor Tenants
Current Lease Expiration/
Lease Option Expiration

2004(A)

JV (10)

154,838

55%

New York
Tarrytown Shopping Center
400 E. Fordham Road
Pelham Manor Shopping Plaza
161st Street
Sherman Avenue

South Carolina
Hitchcock Plaza

Pine Log Plaza

Virginia
Haygood Shopping Center

Notes:

Westchester

Bronx

Westchester/Bronx

Bronx

New York

Aiken

Aiken

2004(A)

2004(A)

2004(A)

2005(A)

2005(A)

JV (10)

JV (11)

JV (5)(11)

JV (11)

JV (11)

38,930

117,355

398,775

223,611

134,773

2004(A)

2004(A)

JV (10)

JV (10)

233,886

35,064

Virginia Beach

2004(A)

JV (10)

Joint Venture Portfolio

153,999

4,026,139

63%

100%

51%

100%

100%

27%

91%

73%

86%

Burlington Coat Factory
2024/—

Walgreens 2080/—
Sears 2007/—

City of New York 2006/—
Pilot Garage 2007/—

Farmer’s Furniture 2009/2014

Eckerd Drug 2009/—

(1) Does not include space leased for which rent has not yet commenced.

(2) Includes a 92,500 square foot Wal-Mart which is not owned by us.

(3) In addition to the 16,834 square feet of retail GLA, this property also has 21 apartments comprising 14,434 square feet.

(4) Coach is a new tenant and executed an 11-year lease with one five-year option.

(5) We are a ground lessee under a long-term ground lease.

(6) Includes a 157,616 square foot Target Store that is not owned by the Company.

(7) The GLA for this property includes 28,205 square feet of office space.

(8) We have a 49% investment in this property.

(9) Does not include 80,000 square feet of new space in Phase II of the Brandywine Town Center, which will be paid for by Fund I on an Earn-

out basis only if, and when, it is leased.

(10) We have invested in this asset through Fund I.

(11) We have invested in this asset through Fund II.

Acadia Realty Trust 2005 Annual Report

19

MAJOR TENANTS 
No individual retail tenant accounted for more than 5.5% of minimum rents for the year ended December 31, 2005, or 10.0% 

of total leased GLA as of December 31, 2005. The following table sets forth certain information for the 20 largest retail tenants

based upon minimum rents in place as of December 31, 2005. The table includes leases related to our partial interest in 25

anchor-only leases with Kroger and Safeway supermarkets. The below amounts include our pro-rata share of GLA and annual-

ized base rent for our partial ownership interest in properties (GLA and rent in thousands):

Retail Tenant

Albertson’s (Shaw’s, Acme)

Sears (Sears, Kmart)

T.J. Maxx (T.J. Maxx, Marshalls, A.J. Wrights)

A&P (Waldbaum’s)

Ahold (Giant, Stop & Shop)

Wal-Mart

Brook’s Drug

Home Depot

Pathmark

Redner’s Supermarket

Restoration Hardware
Kroger (3) 
Safeway (4) 
Price Chopper 
Clearview Cinema (5)
Federated (Macy’s)

JC Penney 

Walgreens

King Kullen 

Payless Shoes 

Total 

Notes:

Number of Stores 
in Portfolio 
4 

Total GLA 
221 

Annualized 
Base Rent (1) 
$ 3,013

Total Portfolio
GLA (2) 
4.0%

Annualized Base 
Rent (2) 
5.5%

Percentage of Total
Represented by Retail Tenant

7 

10 

2 

3 

2 

7 

2 

1 

2

1 

12 

13 

2 

1 

1

2 

2 

1 

10

85 

553

296

119

179

210

81 

211 

48 

112

9

132

104

77

25 

73 

73 

24 

48 

38

2,156

2,132 

1,913 

1,569 

1,515 

1,070 

1,010 

955 

876 

697 

722

722

804

686 

651 

592 

589 

563 

601

10.0%

5.4%

2.2% 

3.2%

3.8%

1.5%

3.8%

0.9%

2.0%

0.2%

2.4%

1.9%

1.4%

0.5%

1.3%

1.3%

0.4%

0.9%

0.7%

4.0%

3.9%

3.5%

2.9%

2.8%

2.0%

1.9%

1.8%

1.6%

1.3%

1.3%

1.3%

1.5%

1.3%

1.2%

1.1%

1.1%

1.0%

1.1%

2,633

$22,836

47.8%

42.1%

(1)  Base rents do not include percentage rents (except where noted), additional rents for property expense reimbursements, and contractual

rent escalations due after December 31, 2005.

(2) Represents total GLA and annualized base rent for our retail properties including its pro-rata share of Joint Venture Properties.

(3) Kroger has sub-leased four of these locations to supermarket tenants, two locations to a non-supermarket tenant and ceased operations

at one other location. Kroger is obligated to pay rent through the full term of these leases which expire in 2009.

(4) Safeway has sub-leased seven of these locations to supermarket tenants, one location to a non-supermarket tenant and ceased operations

at one other location. Safeway is obligated to pay rent through the full term of all these leases which expire in 2009.

(5) Subsidiary of Cablevision.

Acadia Realty Trust 2005 Annual Report 20

LEASE EXPIRATIONS 
The following table shows scheduled lease expirations for retail tenants in place as of December 31, 2005, assuming that none

of the tenants exercise renewal options. Leases related to our joint venture properties are shown separately below before our

pro-rata share of annual base rent and GLA (GLA and rent in thousands):

Wholly-Owned Portfolio:

Leases maturing in
2006

Number of 
Leases
86 

Annualized Base Rent (1)

GLA

Current
Annual Rent
$  3,476

Percentage 
of Total 
8% 

Square Feet
288 

Percentage 
of Total 
7% 

2007

2008

2009

2010

2011

2012

2013

2014

2015

Thereafter

Total 

66 

58 

66 

54 

23

8

15

23 

19

33 

451 

Joint Venture Portfolio:

Leases maturing in
2006 

Number of 
Leases
51 

2007 

2008 

2009 

2010 

2011 

2012 

2013 

2014

Thereafter

Total 

Note:

31

23 

44 

11 

7 

6 

8 

13

26 

220 

4,386 

4,676

4,716

5,591

2,340

885 

2,295

2,408 

3,678

11,071 

$ 45,522 

10%

10%

10% 

12% 

5% 

2% 

5% 

5% 

8%

25% 

100% 

390

338

547

509

213

66 

157

307 

242

1,146 

4,203 

9%

8% 

13%

12%

5% 

2% 

4% 

7% 

6%

27% 

100%

Annualized Base Rent (1)

GLA

Current
Annual Rent
$ 6,497 

4,451 

1,565 

10,012

705 

1,773

1,377 

2,083 

2,172 

10,621

$41,256 

Percentage 
of Total 
16%

Square Feet
491

Percentage 
of Total
14% 

11%

4%

24%

2%

4%

3%

5%

5%

26%

100%

476

67 

1,132

43 

76

139

119 

119 

819 

3,481 

14%

2%

33%

1%

2%

4%

3%

3%

24%

100%

(1)  Base rents do not include percentage rents, additional rents for property expense reimbursements, nor contractual rent escalations due

after December 31, 2005.

Acadia Realty Trust 2005 Annual Report

21

GEOGRAPHIC CONCENTRATIONS 

The following table summarizes our retail properties by region as of December 31, 2005. (GLA and rent in thousands):

GLA (1)

Occupied % (2)

Annualized
Base Rent (2)

Annualized Base 
Rent Per Leased
Square Foot

Wholly-Owned Portfolio:

New York Region 

New England 

Midwest

Mid-Atlantic 

Northeastern Pennsylvania

Total Wholly-Owned Portfolio 

Joint Venture Portfolio:

Operating Properties

Midwest (3)

Mid-Atlantic (3,4)

New York Region (5)

Total Operating Properties

Redevelopment Properties:

Midwest (6)

Mid-Atlantic (6)

New York Region (7)

Total Redevelopment Properties

Total Joint Venture Portfolio 

Notes:

734 

1,195 

705 

839 

1,254

4,727 

327 

879 

311 

1,517 

155

423

913

1,491

3,008 

97% 

98%

93%

96%

89% 

94%

75% 

100%

100%

94%

55%

49%

77%

67%

81%

Percentage of Total
Represented by Region

GLA 

16% 

25% 

15% 

18% 

26%

Annualized
Base Rent

32% 

22% 

17% 

15% 

14%

$ 14,735 

$ 20.79 

9,847 

7,597 

7,023 

6,320

9.19 

11.58 

10.79 

5.67

$ 45,522 

$ 10.83 

100% 

100% 

$  2,619 

13,961 

6,054 

$22,634 

$

427

1,524

8,007

9,958

$ 10.67 

15.89 

19.49 

$ 15.77 

5.02

7.36

11.36

9.99

$ 32,592 

$ 13.40 

22% 

58% 

20% 

100% 

11%

28%

61%

100%

100% 

12% 

62% 

26% 

100% 

4%

16%

80%

100%

100% 

(1) Property GLA includes a total of 255 square feet which is not owned by us. This square footage has been excluded for calculating annual-

ized base rent per square foot.

(2) The above occupancy and rent amounts do not include space which is currently leased, but for which rent payment has not yet commenced.

(3) We have a 22% interest in Fund I, which owns these properties.

(4) Does not include 80,000 square feet of new space in Phase II of the Brandywine Town Center, which will be paid for by us on an “earn-out
basis” only if, and when it is leased. Subsequent to December 31, 2005, the Brandywine portfolio was recapitalized through the conversion
of the 77.8% interest previously held by institutional investors in Fund I to GDC Properties. We have retained our existing 22.2% interest.

(5) We have a 49% interest in two partnerships which, together, own the Crossroads Shopping Center.

(6) We have a 22% interest in Fund I, which has interests ranging from 50% to 90% of these properties.

(7) We have a 22% interest in Fund I, which owns 50% of the Tarrytown Shopping Center and a 20% interest in Fund II, which owns 97% of 

400 East Fordham Road; Pelham Manor Shopping Plaza, Sherman Avenue and 161st Street.

Acadia Realty Trust 2005 Annual Report 22

MULTI-FAMILY PROPERTIES 
We own two multi-family properties located in the Mid-Atlantic and Midwest regions. The properties average 737 units and as

of December 31, 2005, had an average occupancy rate of 98%. The following sets forth more specific information with respect

to each of our multi-family properties at December 31, 2005:

Multi-Family Property:

Location

Year Acquired 

Ownership
Interest

Units 

% Occupied

Missouri (1)
Gate House, Holiday House, Tiger Village 

and Colony Apartments

Columbia 

1998

North Carolina 
Village Apartments 

Totals 

Notes:

Winston-Salem 

1998

Fee

Fee

874 

600 

1,474 

99%

96%

98%

(1) We own four contiguous residential complexes in Columbia, Missouri which, although owned in two separate entities, are managed as a

single property and therefore reflected as such.

ITEM 3. LEGAL PROCEEDINGSx

We are involved in other various matters of litigation arising

in the normal course of business. While we are unable to

predict with certainty the amounts involved, management

is of the opinion that, when such litigation is resolved, our

resulting liability, if any, will not have a significant effect on

our consolidated financial position or results of operations.

ITEM 4. SUBMISSION OF MATTERS TOx
A VOTE OF SECURITY HOLDERSx

No matter was submitted to a vote of security holders

through the solicitation of proxies or otherwise during the

fourth quarter of 2005.

PART II

ITEM 5. MARKET FOR REGISTRANT’S COMMON EQUITYx
RELATED SHAREHOLDER MATTERS AND ISSUERx
PURCHASES OF EQUITY SECURITIESx

(a) Market Information 
The following table shows, for the period indicated, the 

high and low sales price for the Common Shares as reported

on the New York Stock Exchange, and cash dividends paid

during the two years ended December 31, 2005 and 2004:

Quarter Ended 
2005
March 31, 2005 
June 30, 2005 
September 30, 2005 
December 31, 2005 
2004
March 31, 2004 
June 30, 2004 
September 30, 2004 
December 31, 2004 

High 

Low 

Dividend 
Per Share 

$16.60 

$15.60 

$0.1725 

18.65 

19.89 

20.76 

15.53 

17.45 

16.66 

0.1725 

0.1725 

0.1850 

$15.00 

$12.36 

$0.1600 

14.30 

15.11 

16.49 

11.38 

13.03 

14.70 

0.1600 

0.1600 

0.1725

At March 15, 2006, there were 349 holders of record of the

Company’s Common Shares.

Acadia Realty Trust 2005 Annual Report

23

(b) Dividends 
We have determined that for 2005, 95% of the total dividends

(c) Issuer purchases of equity securities 
We have an existing share repurchase program that authorizes

distributed to shareholders represented ordinary income,

management, at its discretion, to repurchase up to $20.0

3% represented unrecaptured section 1250 gain and 2% 

million of our outstanding Common Shares. Through March

represented nontaxable return of capital. Our cash flow is

15, 2006, we had repurchased 2.1 million Common Shares 

affected by a number of factors, including the revenues

at a total cost of $11.7 million of which 2.0 million of these

received from rental properties, our operating expenses,

Common Shares have been subsequently reissued. The program

the interest expense on its borrowings, the ability of lessees

may be discontinued or extended at any time and there is

to meet their obligations to us and unanticipated capital

no assurance that we will purchase the full amount author-

expenditures. Future dividends paid by us will be at the 

ized. There were no Common Shares repurchased by us during

discretion of the Trustees and will depend on our actual cash

the fiscal year ended December 31, 2005.

flows, our financial condition, capital requirements, the annual

distribution requirements under the REIT provisions of the

Code and such other factors as the Trustees deem relevant.

(d) Securities authorized for issuance under equity 

compensation plans

The following table provides information related to our 1999

Share Incentive Plan (the “1999 Plan”) and 2003 Share Incen-

tive Plan (the “2003 Plan”) as of December 31, 2005:

Equity Compensation Plan Information 

(a) 

(b) 

Number of securities to be  issued 
upon exercise of outstanding  
options, warrants and rights

Weighted-average
exercise price of outstanding  
options, warrants and rights

(c) 
Number of securities remaining 
available for future issuance under
equity compensation plans (excluding 
securities reflected in Column a)

477,242 

— 
477,242 

$8.03 

— 
$8.03 

3,021,053 (1) 

— 
3,021,053 (1) 

Equity compensation plans 

approved by security holders 

Equity compensation plans 

not approved by security holders 

Total 

Notes:

(1) The 1999 and 2003 Plans authorize the issuance of options equal to up to a total of 12% of the total Common Shares outstanding from

time to time on a fully diluted basis. However, not more than 4,000,000 of the Common Shares in the aggregate may be issued pursuant
to the exercise of options and no participant may receive more than 5,000,000 Common Shares during the term of the 1999 and 2003
Plans. Remaining available is based on 31,542,942 outstanding Common Shares and 653,360 OP Units as of December 31, 2005, less the
issuance of a total of 365,261 restricted shares granted through the same date.

Acadia Realty Trust 2005 Annual Report 24

ITEM 6. SELECTED FINANCIAL DATAx

The following table sets forth, on a historical basis, our selected financial data. This information should be read in conjunction

with our audited consolidated financial statements and Management’s Discussion and Analysis of Financial Condition and

Results of Operations appearing elsewhere in this Form 10-K.

OPERATING DATA:

Revenues

Operating expenses 

Interest expense 

Depreciation and amortization 

Abandoned project costs 

Gain in sale of land 

Equity in earnings of unconsolidated partnerships

Minority interest

Income taxes

Income from continuing operations 
(Loss) income from discontinued operations 

Income before cumulative effect of 

a change in accounting principle 

Cumulative effect of a change in accounting principle 

Net income 

Basic earnings per share:

Income from continuing operations 
(Loss) income from discontinued operations 
Cumulative effect of a change in accounting principle 

Basic earnings per share 

Diluted earnings per share:

Income from continuing operations 
(Loss) income from discontinued operations 
Cumulative effect of a change in accounting principle 

Diluted earnings per share 

Weighted average number of Common Shares

outstanding

– basic 
– diluted (1) 

Cash dividends declared per Common Share
BALANCE SHEET DATA:

Real estate before accumulated depreciation 

Total assets 

Total mortgage indebtedness 

Minority interest – Operating Partnership 

Total equity 
OTHER:

Funds from Operations (2) 
Cash flows provided by (used in):

Operating activities 

Investing activities

Financing activities 

See notes on following page.

2005

Years ended December 31,
2003 

2004

2002

2001

$ 83,318 

$ 71,657

$66,646 

38,958

11,423

16,763

—

—

8,228

(695) 

(2,140)

21,567

(941)

20,626

—

33,774

10,436 

15,470 

— 

932 

1,797 

(1,190) 

—

13,516 

6,069 

19,585 

— 

33,361 

9,896 

17,195 

—

1,187 

2,411 

(1,399) 

—

8,393 

(540)

7,853 

— 

$ 20,626 

$ 19,585 

$ 7,853 

$65,916 

29,737 

9,545 

14,040 

274 

1,530 

628 

(2,994) 

—

11,484 

7,915 

19,399 

— 

$19,399 

$

0.68 

$ 0.46 

$

0.32 

$ 0.45 

$

$

(0.03)

— 

0.65 

0.67 

(0.03)

—

$

$

0.21 

— 

0.67 

0.45 

0.20 

— 

(0.02)

— 

0.32 

—

$ 0.30 

$ 0.77 

$

0.31 

$ 0.45 

(0.02)

— 

0.31 

—

$ 57,327

27,959

10,800

12,983

—

—

504

(1,372)

—

4,717

5,234

9,951

(149)

$ 9,802

$

$

$

0.16

0.20

(0.01)

0.35

0.16

0.20

(0.01)

$

0.64 

$

0.65 

$ 0.29 

$ 0.76 

$

0.35

31,949

32,214

29,341 

29,912 

26,640

27,232

25,321 

25,806 

28,313

—

$ 0.7025

$ 0.6525

$

0.61

$

0.52

$

0.48

$ 435,751

499,058

238,448

9,204

220,576

$414,974

$ 407,220 

$393,652 

$ 378,216

405,647 

153,361 

5,743

216,924

388,184

173,070 

7,875

169,734

410,935

181,690 

22,745 

161,323

493,939

190,462

37,387

179,098

$ 35,842 

$ 30,004 

$ 27,664 

$ 30,162 

$ 13,487

23,959

(59,478) 

61,632

25,468 

(16,371) 

(9,757) 

20,118 

(20,940) 

(30,187) 

30,008 

47,553 

(66,531) 

21,039

(11,717)

(7,047)

Acadia Realty Trust 2005 Annual Report

25

Notes:

(1)  For 2001, the weighted average number of shares outstanding

on a diluted basis is not presented as the inclusion of additional
shares was anti-dilutive.

(2) The Company considers funds from operations (“FFO”) as defined
by the National Association of Real Estate Investment Trusts
(“NAREIT”) to be an appropriate supplemental disclosure of 
operating performance for an equity REIT due to its widespread
acceptance and use within the REIT and analyst communities.
FFO is presented to assist investors in analyzing the performance
of the Company. It is helpful as it excludes various items included
in net income that are not indicative of the operating perform-
ance, such as gains (losses) from sales of depreciated property
and depreciation and amortization. However, the Company’s

method of calculating FFO may be different from methods used
by other REITs and, accordingly, may not be comparable to such
other REIT’s. FFO does not represent cash generated from opera-
tions as defined by generally accepted accounting principles
(“GAAP”) and is not indicative of cash available to fund all cash
needs, including distributions. It should not be considered as an
alternative to net income for the purpose of evaluating the Com-
pany’s performance or to cash flows as a measure of liquidity.
Consistent with the NAREIT definition, the Company defines FFO
as net income (computed in accordance with GAAP), excluding
gains (losses) from sales of depreciated property, plus depreciation
and amortization, and after adjustments for unconsolidated part-
nerships and joint ventures. See Management’s Discussion and
Analysis of Financial Condition and Results of Operations – Funds
from Operations for the reconciliation of net income to FFO.

Acadia Realty Trust 2005 Annual Report 26

Management’s Discussion and Analysis 

ITEM 7x

Management’ s Discussion and Analysis of
Financial Condition and Results of Operations 
The following discussion should be read in conjunction with

income primarily from the rental revenue from our proper-

ties, including recoveries from tenants, offset by operating

and overhead expenses.

We focus on three primary areas in executing our business

our consolidated financial statements (including the related

plan as follows:

notes thereto) appearing elsewhere in this Form 10-K. Certain

statements contained in this Annual Report on Form 10-K

may contain forward-looking statements within the mean-

ing of Section 27A of the Securities Act of 1933 and Section

21E of the Securities and Exchange Act of 1934 and as such

may involve known and unknown risks, uncertainties and

other factors which may cause our actual results, perform-

ance or achievements to be materially different from future

results, performance or achievements expressed or implied

by such forward-looking statements. Forward-looking state-

ments, which are based on certain assumptions and describe

our future plans, strategies and expectations are generally

identifiable by use of the words “may,”“will,”“should,”“expect,”

“anticipate,”“estimate,”“believe,”“intend” or “project” or the

negative thereof or other variations thereon or comparable

terminology. Factors which could have a material adverse

effect on our operations and future prospects include, but

are not limited to those set forth under the heading “Risk

Factors” in this Annual Report on Form 10-K. These risks 

and uncertainties should be considered in evaluating any 

forward-looking statements contained or incorporated by

reference herein.

Overview
We currently operate 71 properties, which we own or have an

ownership interest in, consisting of 69 neighborhood and

community shopping centers and two multi-family properties,

which are located primarily in the Northeast, Mid-Atlantic

and Midwestern regions of the United States. We receive

■ Focus on maximizing the return on our existing portfolio

through leasing and property redevelopment activities.

Our redevelopment program is a significant and ongoing

component of managing our existing portfolio and focuses

on selecting well-located neighborhood and community

shopping centers and creating significant value through

re-tenanting and property redevelopment.

■ Pursue above-average returns through a disciplined and

opportunistic acquisition program. The primary conduits

for our acquisition program are through our existing

acquisition joint venture, Acadia Strategic Opportunity

Fund II, LLC (“Fund II”), as well as the Retailer Controlled

Property Venture (“RCP Venture”) established to invest in

surplus or underutilized properties owned or controlled 

by retailers and the New York Urban Infill Redevelopment

initiative which focuses on investing in redevelopment

projects in urban, dense areas where retail tenant demand

has effectively surpassed the supply of available sites.

■ Maintain a strong balance sheet, which provides us with

the financial flexibility to fund both property redevelop-

ment and acquisition opportunities.

Results of Operations

Comparison of the year ended December 31, 2005
(“2005”) to the year ended December 31, 2004
(“2004”) 

Revenues::
Minimum rents
Percentage rents
Expense reimbursements
Other property income
Management fee income
Interest income
Other
Total revenues

22000055
$$ 5522..77
00..77
1144..00
00..88
1111..55
33..66
——
$$8833..33

22000044
$$ 5500..77
00..99
1133..00
00..66
44..88
11..55
00..22
$$ 7711..77

$$
$$ 22..00
((00..22))
11..00
00..22
66..77
22..11
((00..22))
$$ 1111..66

Change

%%
44%%
((2222))%%
88%%
3333%%
114400%%
114400%%
((110000))%%
1166%%

Acadia Realty Trust 2005 Annual Report

27

The increase in minimum rents was attributable to additional

Management fee income increased as a result of additional

rents following the purchase of Amboy Road shopping center

leasing fees from Fund I of $0.9 million, increased asset

in July 2005, re-tenanting activities as well as increased

management fees of $2.2 million from Fund II (which was

occupancy across the portfolio.

formed in June 2004), a $2.6 million increase in management

Real estate tax reimbursements increased $0.5 million pri-

marily as a result of general increases in real estate taxes 

as well as re-tenanting activities throughout the portfolio.

fees related to the acquisition of certain management con-

tract rights in January 2004 and February 2005  and promote

income on the Mervyn’s investment in 2005 of $1.0 million.

CAM expense reimbursements increased $0.5 million as a

The increase in interest income was a combination of addi-

result of increased tenant reimbursements of higher snow

tional interest income on our advances and notes receivable

removal costs in 2005.

originated in 2004 and 2005 and additional interest income

earned following our preferred equity investment in Levitz

Operating Expenses:

Property operating

Real estate taxes

General and administrative

Depreciation and amortization

Total operating expenses

22000055

$$ 1144..33

99..22

1155..44

1166..88

$$ 5555..77

in 2005.

22000044

$$ 1144..55

88..88

1100..44

1155..55

$$4499..22

Change

$$

$$((00..22))

00..44

55..00

11..33

$$ 66..55

%%

((11))%%

55%%

4488%%

88%%

1133%%

The decrease in property operating expenses was primarily a

The increase in general and administrative expense was

result of the recovery of $0.5 million in 2005 related to the

attributable to increased compensation expense and other

settlement of our insurance claim in connection with the

overhead expenses following the expansion of our infrastruc-

flood damage incurred at Mark Plaza. A non-recurring

ture related to increased investment activity in fund assets

charge of approximately $0.7 million related to this flood

and asset management services.

damage was recorded in 2004. This decrease was partially

offset by higher snow removal costs in 2005.

Depreciation expense increased $0.3 million in 2005 which

was primarily attributable to increased depreciation expense

Real estate taxes increased as a result of general increases in

related to capitalized tenant installation costs in 2004 and

real estate taxes experienced across the portfolio.

2005. Amortization expense increased $1.0 million primarily

as a result of the write-off of certain Klaff management

contracts following the disposition of these assets.

Change

Other::

Equity in earnings of 
unconsolidated partnerships

Interest expense

Gain on sale

Minority interest

Income taxes

((Loss) income from 
discontinued operations

22000055

$$ 88..22

((1111..44))

——

((00..77))

((22..11))

$$ ((00..99))

22000044

$$

11..88

((1100..44))

00..99

((11..22))

——

$$ 66..11

$$

$$ 66..44

((11..00))

((00..99))

00..55

((22..11))

$$ ((77..00))

%%

335566%%

((1100))%%

((110000))%%

4422%%

((110000))%%

((111155))%%

Acadia Realty Trust 2005 Annual Report 28

Management’s Discussion and Analysis continued

Equity in earnings of unconsolidated partnerships increased

We received additional sales proceeds of $0.9 million which

primarily as a result of our $5.0 million share of gain, through

were being held in escrow pending the completion of certain

our investment funds, from the sale of certain Mervyn’s loca-

site work by the buyer. Of these proceeds, $0.5 million were

tions and our share of bankruptcy proceeds from Penn Traffic

distributed to our joint venture partner in the sale and are 

through Fund I of $0.2 million.

a component of minority interest in the accompanying

The increase in interest expense was attributable to higher

financial statements.

average outstanding balances in 2005 of $0.8 million and

Income taxes in 2005 relate to our share of the income taxes

higher average interest rates on the portfolio mortgage

on gain, through our investment funds, from the sale of certain

debt in 2005.

Mervyn’s locations during the third and fourth quarters of 2005.

The gain on sale of land in 2004 was related to a prior year

Income (loss) from discontinued operations represents activity

sale of a contract to purchase land to the Target Corporation.

related to properties sold during 2004 and 2005.

Comparison of the year ended December 31, 2004 (“2004”) to the year ended December 31, 2003 (“2003”) 

Change

Revenue::

Minimum rents 

Percentage rents

Expense reimbursements

Other property income

Management fee income

Interest income

Other

Total revenues

22000055

$$5500..77

00..99

1133..00

00..66

44..88

11..55

00..22

$$ 7711..77

22000044

$$ 4488..11

11..00

1122..88

00..77

22..00

00..88

11..22

$$6666..66

$$

$$ 22..66

((00..11))

00..22

((00..11))

22..88

00..77

((11..00))

$$ 55..11

%%

55%%

((1100%%))

22%%

((1144%%))

114400%%

8888%%

((8833%%))

77..77%%

The increase in minimum rents was attributable to an

in 2004 offset by increased tenant reimbursements following

increase in rents following the redevelopment of the Gate-

re-tenanting activities across the portfolio.

way shopping center in 2003 and an increase in rents from

re-tenanting activities as well as increased occupancy across

the portfolio.

Management fee income increased as a result of asset man-

agement fees from Fund II of $1.7 million and an increase in

management fees $0.9 million related to the acquisition of

Real estate tax reimbursements increased $0.5 million pri-

certain management contract rights in 2004.

marily as a result of general increases in real estate taxes as

well as re-tenanting activities throughout the portfolio. CAM

expense reimbursements decreased $0.3 million primarily

from tenant reimbursements of lower snow removal costs 

Other income decreased primarily due to a lump sum addi-

tional rent payment of $1.2 million received from a former

tenant during 2003 in connection with the re-anchoring of

the Branch Plaza.

Operating expenses:

Property operating

Real estate taxes

General and administrative

Depreciation and amortization

Total operating expenses

22000055

$$ 1144..55

88..88

1100..44

1155..55

$$ 4499..22

22000044

$$ 1144..44

88..22

1100..77

1177..22

$$ 5500..55

Change

$$

$$ 00..11

00..66

((00..33))

((11..77))

$$ ((11..33))

%%

11%%

77%%

((33%%))

((1100%%))

((33%%))

Acadia Realty Trust 2005 Annual Report

29

Property operating expenses increased primarily due to the

Depreciation expense decreased $2.5 million. This was a

result of a non-recurring charge of approximately $0.7 million

result of the write-off of $2.7 million of unamortized tenant

related to flood damage at the Mark Plaza in 2004 offset by

improvement costs related to the buyout and termination of

higher snow removal costs during 2003.

the former anchor at the Town Line Plaza redevelopment

Real estate taxes increased primarily due to a real estate tax

refund received in 2003 related to the appeal of taxes paid

in prior years at the Greenridge Plaza and higher real estate

taxes throughout the portfolio in 2004.

project in 2003. This decrease was offset by increased depre-

ciation expense in 2004 following the Gateway redevelop-

ment project being placed in service during the second

quarter of 2003. Amortization expense increased $0.8 mil-

lion primarily as a result of the amortization of investment

General and administrative expense decreased primarily as

in management contracts in 2004.

the result of certain employee termination costs in 2003 and

our capitalization of certain internal leasing costs in 2004

offset by additional professional fees related to Sarbanes-

Oxley compliance in 2004.

Other::
Equity in earnings of 
unconsolidated partnerships
Interest expense
Gain on sale
Minority interest
Operating loss from 
discontinued operations
Discontinued operations — 
gain on sale of properties 

22000055

$$ 11..88
((1100..44))
00..99
((11..22))

((00..66))

66..77

22000044

$$ 22..44
((99..99))
11..22
((11..44))

((00..66))

00..00

Change

$$

$$((00..66))
((00..55))
((00..33))
00..22

00..00

66..77

%%

((2255%%))
55%%
((2255%%))
((1144%%))

——

110000%%

Interest expense increase was primarily attributable to an

our method of calculating FFO may be different from methods

increase of $0.4 million as a result of higher average interest

used by other REIT’s and, accordingly, may not be comparable

rates on the portfolio debt for 2004 and a decrease of $0.1

to such other REIT’s. FFO does not represent cash generated

million in capitalized interest in 2004.

from operations as defined by generally accepted accounting

Income from discontinued operations increased $6.7 million

due to a property sale in 2004.

Funds from Operations 
We consider funds from operations (“FFO”) as defined by 

the National Association of Real Estate Investment Trusts

(“NAREIT”) to be an appropriate supplemental disclosure 

of operating performance for an equity REIT due to its wide-

spread acceptance and use within the REIT and analyst com-

munities. FFO is presented to assist investors in analyzing

our performance. It is helpful as it excludes various items

included in net income that are not indicative of the operat-

ing performance, such as gains (losses) from sales of depre-

ciated property and depreciation and amortization. However,

principles (“GAAP”) and is not indicative of cash available to

fund all cash needs, including distributions. It should not be

considered as an alternative to net income for the purpose

of evaluating our performance or to cash flows as a measure

of liquidity.

Consistent with the NAREIT definition, we define FFO as net

income (computed in accordance with GAAP), excluding gains

(losses) from sales of depreciated property, plus depreciation

and amortization, and after adjustments for unconsolidated

partnerships and joint ventures. The reconciliations of net

income to FFO for the years ended December 31, 2005, 2004,

2003, 2002 and 2001 are as follows:

Acadia Realty Trust 2005 Annual Report 30

Management’s Discussion and Analysis continued

Reconciliation of Net Income to Funds from Operations 

Net income 

Depreciation of real estate and amortization of 

leasing costs:

Wholly owned and consolidated partnerships 

Unconsolidated partnerships 

Income attributable to minority interest in operating

partnership ((11))  

((Gain) loss on sale of properties
Cumulative effect of change in accounting principle 

Funds from operations 

Notes:

22000055
$$  2200,,662266  

22000044

$$  1199,,558855  

Years ended December 31,
22000033  

$$   77,,885533  

22000022

$$  1199,,339999  

22000011

$$   99,,880022  

1144,,009922
33,,333300

441166
((22,,662222))
——  
$$  3355,,884422  

1144,,441111  

22,,332299  

337755  

((66,,669966))

——  

1166,,995577  

22,,110077  

774477  

——  

——  

1155,,330055  

666622  

22,,992288  

((88,,113322))

——  

1188,,442222  

662277  

22,,222211  

((1177,,773344))  

114499  

$$  3300,,000044  

$$  2277,,666644  

$$  3300,,116622  

$$  1133,,448877  

(1) Represents income attributable to Common Operating Partnership Units and does not include distributions paid to Series A and B Preferred

OP Unitholders.

Liquidity and Capital Resources

Uses of Liquidity
Our principal uses of liquidity are expected to be for distri-

butions to our shareholders and OP unit holders, debt service

and loan repayments, and property investment which include

the funding of our joint venture commitments, acquisition,

redevelopment, expansion and re-tenanting activities.

Distributions
In order to qualify as a REIT for Federal income tax purposes,

we must currently distribute at least 90% of our taxable

income to our shareholders. For the first three quarters 

during 2005, we paid a quarterly dividend of $0.1725 per

Common Share and Common OP Unit. In November of 2005,

tributed pro-rata to the partners (including us) until they

have received a 9% cumulative return on, and a return of all

capital contributions. Thereafter, remaining cash flow is to

be distributed 80% to the partners (including us) and 20%

to us. We also earn a fee for asset management services equal

to 1.5% of the allocated equity in the remaining Fund I

assets, as well as market-rate fees for property management,

leasing and construction services.

As of December 31, 2005, Fund I has purchased a total of 35

properties totaling 2.8 million square feet as further discussed

in “PROPERTY ACQUISITIONS” in Item 1 of this Form 10-K.

Acadia Strategic Opportunity Fund II, LLC (“Fund II”) 
On June 15, 2004, we closed our second acquisition fund,

our Board of Trustees approved and declared a 7.2% increase

Fund II, which includes all of the investors from Fund I as well

in our quarterly dividend to $0.1850 per Common Share and

as two additional institutional investors. With $300 million

Common OP Unit for the fourth quarter of 2005 which was

of committed discretionary capital, Fund II expects to be able

paid January 13, 2006.

Acadia Strategic Opportunity Fund, LP (“Fund I”) 
In September 2001, we committed $20.0 million to a newly

formed joint venture with four of our institutional share-

holders, who committed $70.0 million, for the purpose of

acquiring a total of approximately $300.0 million of com-

munity and neighborhood shopping centers on a leveraged

basis. As of December 31, 2005, we have contributed $19.2

million to Fund I.

We are the manager and general partner of Fund I with a

22% interest. In addition to a pro-rata return on our invested

to acquire up to $900 million of real estate assets on a lever-

aged basis. We are the managing member with a 20% interest

in the joint venture. The terms and structure of Fund II are

substantially the same as Fund I with the exceptions that

the preferred return is 8% and the asset management fee 

is calculated on committed equity of $250 million through

June 15, 2005 and then on the total committed equity of

$300 million thereafter. As of December 31, 2005, we have

contributed $67.0 million to Fund II.

Fund II has invested in the RCP Venture and the New York

Urban/Infill Redevelopment initiatives and other investments

as further discussed in “PROPERTY ACQUISITIONS” in Item 1

equity, we are entitled to a profit participation based upon

of this Form 10-K .

certain investment return thresholds. Cash flow is to be dis-

Acadia Realty Trust 2005 Annual Report

31

Other Investments 
During 2004 and 2005, we made the following other invest-

Issuance of Equity
During November 2004, we issued 1,890,000 Common

ments as further discussed in “PROPERTY ACQUISITIONS” in

Shares (the “Offering”). The Offering was made under shelf

Item 1 of this Form 10-K:

i) $20.0 million in Levitz SL,

ii) $16.8 million in Amboy Road,

registration statements filed under the Securities Act of

1933, as amended, and previously declared effective by the

Securities and Exchange Commission. The $28.3 million in

iii) $8.0 million for Klaff’s management rights,

proceeds from the Offering, net of related costs, were used

iv) $3.2 million for Boonton and

v) $9.8 million for Clark/Diversey.

Property Development, Redevelopment and Expansion 
During 2005, we completed the development of the Bartow

to retire above-market, fixed-rate indebtedness as well as to

invest in real estate assets. Following this transaction, we

have $46.7 million of remaining capacity to issue equity under

our primary shelf registration statement.

Avenue Center, located in Bronx, New York. A new anchor,

Sleepy’s, opened for business during the second quarter. This

Financing and Debt
At December 31, 2005, mortgage notes payable aggregated

store occupies 6,430 square feet of formerly vacant space.

$238.4 million and were collateralized by 20 properties and

Costs incurred to date for this project totaled $7.5 million.

related tenant leases. Interest rates on our outstanding

Our redevelopment program focuses on selecting well-located

neighborhood and community shopping centers and creating

significant value through re-tenanting and property redevel-

opment. During 2005, we did not undertake any significant

redevelopment projects within our core portfolio.

mortgage indebtedness ranged from 5.0% to 7.6% with

maturities that ranged from July 2007 to November 2015.

Taking into consideration $92.4 million of notional principal

under variable to fixed-rate swap agreements currently in

effect, $216.8 million of the portfolio, or 91%, was fixed at a

5.8% weighted average interest rate and $21.6 million, or 9%

Additionally, for the year ending December 31, 2006, we cur-

was floating at a 5.8% weighted average interest rate. There

rently estimate that capital outlays of approximately $5.0

is no debt maturing in 2005 and 2006. In 2007, $17.5 million

million to $7.0 million will be required for tenant improve-

is scheduled to mature at a weighted average interest rate

ments, related renovations and other property improvements.

of 5.9%. As we do not anticipate having sufficient cash on

Share Repurchase 
Repurchases of our Common Shares is an additional use of

liquidity as discussed in Item 5 of this Form 10-K.

SOURCES OF LIQUIDITY 
We intend on using Fund II as the primary vehicle for our

hand to repay such indebtedness, we will need to refinance

this indebtedness or select other alternatives based on mar-

ket conditions at that time.

The following summarizes the financing and refinancing

transactions since December 31, 2004:

future acquisitions, including investments in the RCP Venture

On February 25, 2005, we drew down $20.0 million under an

and New York Urban/Infill Redevelopment initiative. Sources

existing revolving facility, which bears interest at LIBOR plus

of capital for funding our joint venture commitments, other

150 basis points. The proceeds from this drawdown were uti-

property acquisitions, redevelopment, expansion and re-ten-

lized for the Preferred Equity investment with Levitz SL, LLC.

anting, as well as future repurchases of Common Shares are

expected to be obtained primarily from issuance of public

equity or debt instruments, cash on hand, additional debt

financings and future sales of existing properties. As of

December 31, 2005, we had a total of approximately $48.4

million of additional capacity under existing debt facilities,

During April 2005, we borrowed $7.4 million under an exist-

ing secured revolving facility which was repaid in May 2005.

On May 26, 2005, we closed on a $65.0 million cross-collater-

alized revolving facility which is collateralized by five of our

properties. The facility bears interest at LIBOR plus 130 basis

cash and cash equivalents on hand of $39.6 million, and nine

points and matures June 1, 2010. At closing, the lender advanced

properties that are unencumbered and available as potential

$12.0 million, of which $7.4 million was used to refinance 

collateral for future borrowings. We anticipate that cash flow

an existing facility with the same lender. On June 27, 2005,

from operating activities will continue to provide adequate

an additional $20.0 million was drawn on this line. On Octo-

capital for all of our debt service payments, recurring capital

ber 21, 2005, $10.0 million was repaid on this line resulting 

expenditures and REIT distribution requirements.

in $22.0 million outstanding under this facility as of Decem-

ber 31, 2005.

Acadia Realty Trust 2005 Annual Report 32

Management’s Discussion and Analysis continued

On August 31, 2005, we closed on a $17.6 million loan, which

bears interest at a fixed rate of 4.98%. This loan, which matures

Asset Sales 
Asset sales are an additional source of liquidity for us.

September 2015, requires the payment of interest only until

During 2005 and 2004, we sold the Berlin Shopping Center

October 2010, and thereafter interest and principal based on

and East End Centre as discussed in “ASSET SALES AND CAPI-

300-year amortization. The proceeds from this loan were in

TAL/ASSET RECYCLING” in Item 1 of this Form 10-K.

part used to pay down $15.0 million on an existing line.

On October 17, 2005, we closed on a $12.5 million loan, which

bears interest at a fixed rate of 5.12%. This loan, which matures

Contractual Obligations and Other 
Commitments 
At December 31, 2005, maturities on our mortgage notes

November 2015, requires the payment of interest only until

ranged from July 2007 to January 2016. In addition, we have

November 2008, and thereafter interest and principal until

non-cancelable ground leases at four of our shopping centers.

maturity. The proceeds from this loan were in part used to

We also lease space for our White Plains corporate office for

pay down $10.0 million on the aforementioned $65.0 million

a term expiring in 2010. The following table summarizes our

revolving facility.

debt maturities and obligations under non-cancelable oper-

On December 9, 2005, we closed on a $34.6 million loan,

which bears interest at a fixed rate of 5.53%. This loan,

which matures January 2016, requires the payment of

interest only until January 2010, and thereafter interest

and principal until maturity.

ating leases of December 31, 2005:

(amounts in millions) 

Contractual obligation 

Future debt maturities 

Interest obligations on debt

Operating lease obligations 

Total

Payments due by period 

Total 
$$ 223388..44  

8866..44

3388..22  

$$336633..00  

Less than 

1 year 
$$ 22..11  

1133..66

11..88  

$$ 1177..55  

1 to 3 

years 
$$ 2288..88  

3377..66

33..88  

$$ 7700..22  

3 to 5 

years 
$$ 4433..77

1188..55

33..66  

$$ 6655..88  

More than 

5 years 
$$ 116633..88  

1166..77

2299..00  

$$220099..55  

Off Balance Sheet Arangments
We have investments in three joint ventures for the purpose

of investing in operating properties as follows:

We own a 49% interest in two partnerships which own the

Crossroads Shopping Center (“Crossroads”). We account for

the investment in Crossroads using the equity method of

accounting as we have a non-controlling investment in

Crossroads, but exercise significant influence. As such, our

financial statements reflect our share of income from, but

not the assets and liabilities of, Crossroads. Our pro rata

share of Crossroads mortgage debt as of December 31, 2005

was $31.4 million. This fixed-rate debt bears interest at 5.4%

and matures in December 2014.

Reference is made to the discussion of Funds I and II under

“Uses of Liquidity” in this Item 7 for additional detail related

to our investment in and commitments to Funds I and II. As

of December 31, 2005, we own a 22% interest in Fund I and

20% in Fund II for which we also use the equity method of

accounting. Our pro rata share of Funds I and II fixed-rate

mortgage debt as of December 31, 2005 was $24.4 million at

a weighted average interest rate of 6.2%. Our pro rata share

of Funds I and II variable-rate mortgage debt as of Decem-

ber 31, 2005 was $14.3 million at a weighted average interest

rate of 5.8%. Maturities on these loans range from March

2006 to January 2023.

Historical Cash Flow
The following discussion of historical cash flow compares

our cash flow for the year ended December 31, 2005 (“2005’)

with our  cash flow for the year ended December 31, 2004

(“2004”).

Acadia Realty Trust 2005 Annual Report

33

Cash and cash equivalents were $39.6 million and $13.5 million at December 31, 2005 and 2004, respectively. The increase of 

$26.1 million was a result of the following increases and decreases in cash flows:

(amounts in millions) 

Years Ended December 31,

Net cash provided by operating activities 
Net cash used in investing activities 
Net cash provided by (used in) financing activities 

22000055  
$$  2244..00  
((5599..55))  
6611..66

22000044
$$   2255..55  
((1166..44))
((99..88))  

Variance 
$$   ((11..55))
((4433..11))
7711..44  

The variance in net cash provided by operating activities

resulted from an increase of $2.4 million in operating income

before non-cash expenses in 2005, which was primarily due

to an increase in asset management and service fee income

from our fund investments, additional fee income from the

acquisition of certain management contracts rights in Janu-

ary 2004 and February 2005, promote income on the Mervyn’s

investment in 2005, additional interest income resulting from

our preferred equity investment in 2005, and a decrease in

distributions received from unconsolidated partnerships.

These increases were offset by additional general and

administrative costs due to increased compensation and

other overhead expenses following the expansion of our

infrastructure. In addition, a net decrease in cash provided 

by operating assets and liabilities of $3.9 million resulted pri-

marily from an increase in receivables related to third party

CRITICAL ACCOUNTING POLICIES 
Management’s discussion and analysis of financial condition

and results of operations is based upon our consolidated

financial statements, which have been prepared in accordance

with GAAP. The preparation of these consolidated financial

statements requires management to make estimates and

judgments that affect the reported amounts of assets, lia-

bilities, revenues and expenses. We base our estimates on

historical experience and assumptions that are believed to

be reasonable under the circumstances, the results of which

form the basis for making judgments about carrying value

of assets and liabilities that are not readily apparent from

other sources. Actual results may differ from these estimates

under different assumptions or conditions. We believe the

following critical accounting policies affect the significant

judgments and estimates used by us in the preparation of

construction cost reimbursements offset by an increase in

our consolidated financial statements.

income taxes payable related to the Company’s share of the

gain realized by Mervyn’s.

The increase in net cash used in investing activities resulted

primarily from a $19.0 million Preferred Equity investment in

2005, an $18.5 million increase in expenditures for real estate

acquisitions, development and tenant installation during 2005

and a decrease of $14.1 million of distributions received from

unconsolidated partnerships. These decreases were offset

by a $3.7 million decrease in investments in and advances 

to unconsolidated partnerships in 2005 and $3.9 million of

proceeds received from the sale of a property in 2005.

The increase in net cash provided by financing activities

resulted from the following:

Debt repayment in 22000044  

Debt repayment in 22000055

Additional borrowings in 22000055

Proceeds from issuance of 

Common Shares in 22000044

Proceeds of exercise of 

Stock Options in 22000044

Miscellaneous

Total variance 

$$ 110000..99

((3399..00))

4477..88

((2288..33))

((99..00))

((11..00))

$$ 7711..44

Valuation of Property Held for Use and Sale 
On a quarterly basis, we review the carrying value of both

properties held for use and for sale. We record impairment

losses and reduce the carrying value of properties when

indicators of impairment are present and the expected

undiscounted cash flows related to those properties are 

less than their carrying amounts. In cases where we do not

expect to recover our carrying costs on properties held for

use, we reduce our carrying cost to fair value, and for prop-

erties held for sale, we reduce our carrying value to the fair

value less costs to sell. For the year ended December 31,

2005, an impairment loss of $0.8 million was recognized

related to a property that was sold in July of 2005. Manage-

ment does not believe that the value of any properties in 

its portfolio was impaired as of December 31, 2005 or 2004.

Bad Debts 
We maintain an allowance for doubtful accounts for estimated

losses resulting from the inability of tenants to make pay-

ments on arrearages in billed rents, as well as the likelihood

that tenants will not have the ability to make payment on

unbilled rents including estimated expense recoveries and

straight-line rent. As of December 31, 2005, we had recorded

Acadia Realty Trust 2005 Annual Report 34

Management’s Discussion and Analysis continued

an allowance for doubtful accounts of $2.8 million. If the

financial condition of our tenants were to deteriorate,

resulting in an impairment of their ability to make payments,

additional allowances may be required.

Inflation
Our long-term leases contain provisions designed to mitigate

the adverse impact of inflation on our net income. Such pro-

visions include clauses enabling us to receive percentage

rents based on tenants’ gross sales, which generally increase

as prices rise, and/or, in certain cases, escalation clauses,

which generally increase rental rates during the terms of the

leases. Such escalation clauses are often related to increases

in the consumer price index or similar inflation indexes. In

addition, many of our leases are for terms of less than 10

years, which permits us to seek to increase rents upon re-rental

at market rates if current rents are below the then existing

market rates. Most of our leases require the tenants to pay

their share of operating expenses, including common area

maintenance, real estate taxes, insurance and utilities, thereby

reducing our exposure to increases in costs and operating

expenses resulting from inflation.

Recently Issued Accounting 
Pronouncements

Reference is made to the Notes to Consolidated Financial

Statements included in Item 8 of this Form 10-K.

ITEM 7Ax

Quantitative and Qualitative Disclosures
About Market Risk
Our primary market risk exposure is to changes in interest

rates related to our mortgage debt. See the consolidated

financial statements and notes thereto included in this

Annual Report on Form 10-K for certain quantitative details

related to our mortgage debt.

Currently, we manage our exposure to fluctuations in inter-

est rates primarily through the use of fixed-rate debt and

interest rate swap agreements. As of December 31, 2005, we

had total mortgage debt of $238.4 million of which $216.8

million, or 91% was fixed-rate, inclusive of interest rate

swaps, and $21.6 million, or 9%, was variable-rate based

upon LIBOR plus certain spreads. As of December 31, 2005,

we were a party to five interest rate swap transactions to

hedge our exposure to changes in interest rates with respect

to $92.4 million of LIBOR based variable-rate debt. We also

have three forward-starting interest rate swaps which com-

mence during 2006, and 2007 and mature from 2010 to 2012

that will hedge our exposure to changes in interest rates

with respect to $24.5 million of refinanced LIBOR-based vari-

able rate debt with the matching maturities.

The following table sets forth information as of December

31, 2005 concerning our long-term debt obligations, includ-

ing principal cash flows by scheduled maturity and

weighted average interest rates of maturing amounts

(amounts in millions):

Consolidated mortgage debt:

Year
22000066

22000077

22000088

22000099

22001100

Thereafter

Scheduled
Amortization
$$ 22..11

33..99

44..44

55..33

11..77

4488..00

$$6655..44

Maturities
$$ ——

1122..55

88..00

——

3366..77

111155..88

$$ 117733..00

Mortgage debt in unconsolidated partnerships (at Company’s pro rata share):

Year
22000066

22000077

22000088

22000099

22001100

Thereafter

Scheduled
Amortization
$$ 11..00

11..44

11..55

11..55

00..77

44..66

$$1100..77

Maturities
$$ 33..33

88..44

1111..55

——

11..44

3344..88

$$ 5599..44

Acadia Realty Trust 2005 Annual Report

35

Weighted Average
Interest Rate
NN//AA

66..55%%

55..77%%

NN//AA

66..44%%

55..66%%

Weighted Average
Interest Rate
44..22%%

55..44%%

44..77%%

NN//AA

55..55%%

55..77%%

Total
$$

22..11

1166..44

1122..44

55..33

3388..44

116633..88

$$ 223388..44

Total
$$ 44..33

99..88

1133..00

11..55

22..11

3399..44

$$ 7700..11

Of our total outstanding debt, $12.5 million will become due

ITEM 9x

Changes in and Disagreements with Accoun-
tants on Accounting and Financial Disclosure
On October 6, 2005, the Audit Committee of our Board of

Directors agreed, by resolution, not to continue the engage-

ment of our independent registered public accounting firm,

Ernst and Young, LLP ("Ernst and Young"). The Audit commit-

tee further resolved to engage the accounting firm, BDO 

Seidman, LLP (“BDO”) effective immediately. The decision

was based primarily on the Audit Committee's efforts to

reduce our costs for accounting services. We have not had any

disagreements with Ernst and Young during the interim period

from January 1, 2005 through the date of disengagement, nor

any disagreements related to any prior years' audits.

in 2007. As we intend on refinancing some or all of such

debt at the then-existing market interest rates which may

be greater than the current interest rate, our interest

expense would increase by approximately $0.1 million annu-

ally if the interest rate on the refinanced debt increased by

100 basis points. Interest expense on our variable debt as of

December 31, 2005 would not increase materially as we only

have $21.6 million of floating rate debt after taking into

account the effect of interest rate swaps hedging $92.4 mil-

lion of notional principal. We may seek additional variable-

rate financing if and when pricing and other commercial

and financial terms warrant. As such, we would consider

hedging against the interest rate risk related to such addi-

tional variable-rate debt through interest rate swaps and

protection agreements, or other means.

ITEM 8x

Financial Statements and 
Supplementary Data
The financial statements and supplementary data listed in

items 15(a) (1) and 15(a) (2) hereof are incorporated herein 

by reference.

Acadia Realty Trust 2005 Annual Report 36

Management’s Discussion and Analysis continued

ITEM 9Ax

Controls and Procedures

(i) Disclosure Controls and Procedures

We conducted an evaluation, under the supervision and with the participation of management including our Chief Executive

Officer and Chief Financial Officer, of the effectiveness of our disclosure controls and procedures. Based on that evaluation, the

Chief Executive Officer and Chief Financial Officer concluded that the our disclosure controls and procedures were effective as

of December 31, 2005.

(ii) Internal Control Over Financial Reporting

(a) Management’s Annual Report on Internal Control Over Financial Reporting 

Management of Acadia Realty Trust is responsible for establishing and maintaining adequate internal control over financial

reporting, as such term is defined in the Securities Exchange Act of 1934 Rule 13a-15(f). Under the supervision and with the

participation of our management, including our principal executive officer and principal financial officer, we conducted an

evaluation of the effectiveness of our internal control over financial reporting as of December 31, 2005 as required by the Secu-

rities Exchange Act of 1934 Rule 13a-15(c). In making this assessment, we used the criteria set forth in the framework in Internal

Control–Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission. Based on

our evaluation under the framework in Internal Control–Integrated Framework, our management concluded that our inter-

nal control over financial reporting was effective as of December 31, 2005.

BDO Seidman, LLP, an independent registered public accounting firm that audited our Financial Statements included in this

Annual Report, has issued an attestation report on our management’s assessment of the effectiveness of our internal control

over financial reporting as of December 31, 2005 which appears in this item 9A.

Acadia Realty Trust

White Plains, New York 

March 15, 2006

Acadia Realty Trust 2005 Annual Report

37

(b) Attestation report of the independent registered public accounting firm   

The Shareholders and Trustees of Acadia Realty Trust

We have audited management’s assessment, included in the accompanying Management’s Report on Internal Control Over

Financial Reporting, that Acadia Realty Trust and subsidiaries maintained effective internal control over financial reporting as

of December 31, 2005, based on criteria established in Internal Control—Integrated Framework issued by the Committee of

Sponsoring Organizations of the Treadway Commission (the COSO criteria). Acadia Realty Trust and subsidiaries’ management

is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of

internal control over financial reporting. Our responsibility is to express an opinion on management’s assessment and an opinion

on the effectiveness of the company’s internal control over financial reporting based on our audit.

We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States).

Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal

control over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of

internal control over financial reporting, evaluating management’s assessment, testing and evaluating the design and operat-

ing effectiveness of internal control, and performing such other procedures as we considered necessary in the circumstances.

We believe that our audit provides a reasonable basis for our opinion.

A company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the

reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally

accepted accounting principles. A company’s internal control over financial reporting includes those policies and procedures

that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dis-

positions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit

preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expen-

ditures of the company are being made only in accordance with authorizations of management and directors of the company;

and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition

of the company’s assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also,

projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate

because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

In our opinion, management’s assessment that Acadia Realty Trust and subsidiaries maintained effective internal control over

financial reporting as of December 31, 2005, is fairly stated, in all material respects, based on the COSO criteria. Also, in our opinion,

Acadia Realty Trust maintained, in all material respects, effective internal control over financial reporting as of December 31,

2005, based on the COSO criteria.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States),

the consolidated balance sheets of Acadia Realty Trust and subsidiaries as of December 31, 2005, and the related consolidated

statements of income, shareholders’ equity, and cash flows for the year ended December 31, 2005 and our report dated

March 8, 2006 expressed an unqualified opinion thereon.

BDO Seidman, LLP 

New York, New York

March 8, 2006

(c) Changes in internal control over financial reporting.

There was no change in our internal control over financial reporting during our fourth fiscal quarter ended December 31, 2005

that has materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.

Acadia Realty Trust 2005 Annual Report 38

Management’s Discussion and Analysis continued

PART III 

ITEM 9Bx

Other Information

None 

ITEM 10x

Directors and Executive Officers of the Company
This item is incorporated by reference from the definitive

proxy statement for the 2006 Annual Meeting of Sharehold-

ers presently scheduled to be held May 15, 2006, to be filed

pursuant to Regulation 14A.

ITEM 11x

ITEM 12x

Security Ownership of Certain Beneficial
Owners and Management
This item is incorporated by reference from the definitive

proxy statement for the 2006 Annual Meeting of Share-

holders presently scheduled to be held May 15, 2006, to be

filed pursuant to Regulation 14A.

ITEM 13x

Certain Relationships and Related 
Transactions
This item is incorporated by reference from the definitive

proxy statement for the 2006 Annual Meeting of Sharehold-

ers presently scheduled to be held May 15, 2006, to be filed

pursuant to Regulation 14A.

Executive Compensation
This item is incorporated by reference from the definitive

ITEM 14x

proxy statement for the 2006 Annual Meeting of Sharehold-

ers presently scheduled to be held May 15, 2006, to be filed

pursuant to Regulation 14A.

Principal Accountant Fees and Services
This item is incorporated by reference from the definitive

proxy statement for the 2006 Annual Meeting of Sharehold-

ers presently scheduled to be held May 15, 2006, to be filed

pursuant to Regulation 14A.

Acadia Realty Trust 2005 Annual Report

39

PART IV 

ITEM 15x

EXHIBITS, FINANCIAL STATEMENTS SCHEDULES 

(a) Financial Statements – Form 10-K. The following consolidated financial information is included as a separate
section of this Form 10-K 

Report of Registered Public Accounting Firm for the year ended December 31, 2005. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47

Report of Registered Public Accounting Firm for the years ended December 31, 2004 and 2003 . . . . . . . . . . . . . . . . . . 48

Consolidated Balance Sheets as of December 31, 2005 and 2004 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49

Consolidated Statements of Income for the years ended December 31, 2005, 2004 and 2003 . . . . . . . . . . . . . . . . . . . . 50

Consolidated Statements of Shareholders’ Equity for the years ended December 31, 2005, 2004 and 2003 . . . . . . . 52

Consolidated Statements of Cash Flows for the years ended December 31, 2005, 2004 and 2003 . . . . . . . . . . . . . . . . 54

Notes to Consolidated Financial Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56

Schedule III – Real Estate and Accumulated Depreciation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 79

All other schedules are omitted since the required information is not present or is not present in amounts sufficient
to require submission of the schedule.

Acadia Realty Trust 2005 Annual Report 40

Management’s Discussion and Analysis continued

Exhibit No. Description 

3.1 

3.2 

3.3 

4.1 

10.1 

10.2 

10.3 

10.4 

10.5 

10.6 

10.7 

10.8 

10.9 

10.11 

10.12 

10.14 

10.15 

10.16 

10.17 

10.18 

10.19 

10.20 

10.21 

10.22 

10.23 

10.24 

10.25 

10.26 

10.27 

10.28 

10.29 

10.30 

10.31 

10.32 

10.33 

10.34 

10.35 

10.36 

10.37 

10.38 

Declaration of Trust of the Company, as amended (1) 

Fourth Amendment to Declaration of Trust (4) 

Amended and Restated By-Laws of the Company (22) 

Voting Trust Agreement between the Company and Yale University dated February 27, 2002 (14) 

1999 Share Option Plan (8) (20) 

2003 Share Option Plan (16) (20) 

Form of Share Award Agreement (17) (21) 

Form of Registration Rights Agreement and Lock-Up Agreement (18) 

Registration Rights and Lock-Up Agreement (RD Capital Transaction) (11) 

Registration Rights and Lock-Up Agreement (Pacesetter Transaction) (11) 

Contribution and Share Purchase Agreement dated as of April 15, 1998 among Mark Centers Trust, Mark Centers Limited Part-
nership, the Contributing Owners and Contributing Entities named therein, RD Properties, L.P. VI, RD Properties, L.P. VIA and RD
Properties, L.P. VIB (9) 

Agreement of Contribution among Acadia Realty Limited Partnership, Acadia Realty Trust and Klaff Realty, LP and Klaff Realty,
Limited (18) 

Employment agreement between the Company and Kenneth F. Bernstein (6) (21) 

Amendment to employment agreement between the Company and Kenneth F. Bernstein (18) (21) 

First Amendment to Employment Agreement between the Company and Kenneth Bernstein dated as of January 1, 2001 (12) (21) 

Letter of employment offer between the Company and Michael Nelsen, Sr. Vice President and Chief Financial Officer dated 
February 19, 2003 (15) (21) 

Severance Agreement between the Company and Joel Braun, Sr. Vice President, dated April 6, 2001 (13) (21) 

Severance Agreement between the Company and Joseph Hogan, Sr. Vice President, dated April 6, 2001 (13) (21) 

Severance Agreement between the Company and Joseph Napolitano, Sr. Vice President dated April 6, 2001 (18) (21) 

Severance Agreement between the Company and Robert Masters, Sr. Vice President and General Counsel dated January 2001 (18) (21) 

Severance Agreement between the Company and Michael Nelsen, Sr. Vice President and Chief Financial Officer dated February
19, 2003 (15) (21) 

Secured Promissory Note between RD Absecon Associates, L.P. and Fleet Bank, N.A. dated February 8, 2000 (7) 

Promissory Note between 239 Greenwich Associates, L.P. and Greenwich Capital Financial Products, Inc. dated May 30, 2003 (18) 

Open-End Mortgage, Assignment of Leases and Rents, and Security Agreement between 239 Greenwich Associates, L.P. and
Greenwich Capital Financial Products, Inc. dated May 30, 2003 (18) 

Promissory Note between Merrillville Realty, L.P. and Sun America Life Insurance Company dated July 7, 1999 (7) 

Secured Promissory Note between Acadia Town Line, LLC and Fleet Bank, N.A. dated March 21, 1999 (7) 

Promissory Note between RD Village Associates Limited Partnership and Sun America Life Insurance Company Dated Septem-
ber 21, 1999 (7) 

Amended and Restated Mortgage Note between Port Bay Associates, LLC and Fleet Bank, N.A. dated July 19, 2000 (3) 

Mortgage and Security Agreement between Port Bay Associates, LLC and Fleet Bank, N.A. dated July 19, 2000 (10) 

Mortgage Note between Port Bay Associates, LLC and Fleet Bank, N.A. dated December 1, 2003 (18) 

Mortgage and Security Agreement, and Assignment of Leases and Rents between Port Bay Associates, LLC and Fleet Bank, N.A.
dated December 1, 2003 (18) 

Note Modification Agreement between Port Bay Associates, LLC and Fleet Bank, N.A. dated December 1, 2003 (18) 

Amended and Restated Promissory Note between Acadia Realty L.P. and Metropolitan Life Insurance Company for $25.2 million
dated October 13, 2000 (10) 

Amended and Restated Mortgage, Security Agreement and Fixture Filing between Acadia Realty L.P. and Metropolitan Life Insurance
Company dated October 13, 2000 (10) 

Term Loan Agreement between Acadia Realty L.P. and The Dime Savings Bank of New York, dated March 30, 2000 (10) 

Mortgage Agreement between Acadia Realty L.P. and The Dime Savings Bank of New York, dated March 30, 2000 (10) 

Promissory Note between RD Whitegate Associates, L.P. and Bank of America, N.A. dated December 22, 2000 (10) 

Promissory Note between RD Columbia Associates, L.P. and Bank of America, N.A. dated December 22, 2000 (10) 

Term Loan Agreement dated as of December 28, 2001, among Fleet National Bank and RD Branch Associates, L.P., et al (13) 

Term Loan Agreement dated as of December 21, 2001, among RD Woonsocket Associates Limited Partnership, et al. and The Dime
Savings Bank of New York, FSB (13) 

Acadia Realty Trust 2005 Annual Report

41

Exhibit No. Description 

10.39 

10.40 

10.41 

10.42 

10.43 

10.44 

10.45 

10.46 

10.47 

10.48 

10.49 

10.49a 

10.49b 

10.49c 

10.49d 

10.50

10.51

10.52

10.53

10.54

21 

23.1 

23.2 

31.1 

31.2 

32.1 

32.2 

99.1 

99.2 

99.3 

99.4 

99.5 

99.6 

Option Extension of Term Loan as of December 19, 2003, between RD Woonsocket Associates Limited Partnership, et al. and
Washington Mutual Bank, FA (18) 

Revolving Loan Promissory Note dated as of November 22, 2002, among RD Elmwood Associates, L.P. and Washington Mutual
Bank, FA (15) 

Revolving Loan Agreement dated as of November 22, 2002, among RD Elmwood Associates, L.P. and Washington Mutual Bank,
FA (15) 

Mortgage Agreement dated as of November 22, 2002, among RD Elmwood Associates, L.P. and Washington Mutual Bank, FA (15)

Note Modification Agreement between RD Elmwood Associates, L.P. and Washington Mutual Bank, FA dated December 19, 2003 (18) 

Prospectus Supplement Regarding Options Issued under the Acadia Realty Trust 1999 Share Incentive Plan and 2003 Share
Incentive Plan (19) (21) 

Acadia Realty Trust 1999 Share Incentive Plan and 2003 Share Incentive Plan Deferral and Distribution Election Form (19) (21) 

Amended, Restated And Consolidated Promissory Note between Acadia New Loudon, LLC and Greenwich Capital Financial 
Products, Inc. dated August 13, 2004 (19) 

Amended, Restated And Consolidated Mortgage, Assignment Of Leases And Rents And Security Agreement between Acadia
New Loudon, LLC and Greenwich Capital Financial Products, Inc. dated August 13, 2004 (19) 

Amended and Restated Term Loan Agreement between Fleet National Bank and Heathcote Associates, L.P., Acadia Town Line, LLC,
RD Branch Associates, L.P., RD Abington Associates Limited Partnership, And RD Methuen Associates Limited Partnership dated
September 30, 2004 (19) 

Mortgage Modification Agreement between Fleet National Bank and Acadia Town Line, LLC dated September 30, 2004 (19) 

Mortgage Modification Agreement between Fleet National Bank and Heathcote Associates, L.P. dated September 30, 2004 (19) 

Mortgage Modification Agreement between Fleet National Bank and RD Branch Associates dated September 30, 2004 (19) 

Mortgage Modification Agreement between Fleet National Bank and RD Methuen Associates dated September 30, 2004 (19) 

Mortgage Modification Agreement between Fleet National Bank and RD Abington Associates Limited Partnership dated Sep-
tember 30, 2004 (19) 

Revolving Loan Agreement between Fleet National Bank and The Bank of China and RD Absecon Associates, L.P., RD Bloomfield
Associates, L.P.,RD Hobson Associates, L.P., RD Village Associates, L.P., and RD Woonsocket Associates L.P. dated May 26, 2005 (22)

Mortgage, Assignment of Leases and Rents and Security Agreement between Acadia Crescent Plaza, LLC and Greenwich Capital
Financial Products, Inc. dated August 31, 2005 (22)

Mortgage, Assignment of Leases and Rents and Security Agreement between Pacesetter/Ramapo Associates and Greenwich
Capital Financial Products, Inc. dated October 17, 2005 (22)

Loan Agreement between RD Elmwood Associates, L.P. and Bear Stearns Commercial Finance Mortgage, Inc. dated December 9,
2005 (22)

Mortgage and Security Agreement between RD Elmwood Associates, L.P. and Bear Stearns Commercial Finance Mortgage, Inc.
dated December 9, 2005 (22)

List of Subsidiaries of Acadia Realty Trust (22)

Consent of Registered Public Accounting Firm to Form S-3 and Form S-8 (22)

Consent of former Registered Public Accounting Firm to Form S-3 and Form S-8 (22)

Certification of Chief Executive Officer pursuant to rule 13a–14(a)/15d-14(a) of the Securities Exchange Act of 1934, as adopted
pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 (22) 

Certification of Chief Financial Officer pursuant to rule 13a–14(a)/15d-14(a) of the Securities Exchange Act of 1934, as adopted
pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 (22) 

Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-
Oxley Act of 2002 (22) 

Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-
Oxley Act of 2002 (22) 

Amended and Restated Agreement of Limited Partnership of the Operating Partnership (11) 

First and Second Amendments to the Amended and Restated Agreement of Limited Partnership of the Operating Partnership (11) 

Third Amendment to Amended and Restated Agreement of Limited Partnership of the Operating Partnership (18) 

Fourth Amendment to Amended and Restated Agreement of Limited Partnership of the Operating Partnership (18) 

Certificate of Designation of Series A Preferred Operating Partnership Units of Limited Partnership Interest of Acadia Realty 
Limited Partnership (2) 

Certificate of Designation of Series B Preferred Operating Partnership Units of Limited Partnership Interest of Acadia Realty 
Limited Partnership (18) 

Acadia Realty Trust 2005 Annual Report 42

Management’s Discussion and Analysis continued

Notes:

(1) 

(2) 

(3) 

(4) 

Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Annual Report on Form 10-K filed for the fiscal Year
ended December 31, 1994 

Incorporated by reference to the copy thereof filed as an Exhibit to Company’s Quarterly Report on Form 10-Q filed for the quarter ended
June 30, 1997 

Incorporated by reference to the copy thereof filed as an Exhibit to Company’s Quarterly Report on Form 10-Q filed for the quarter ended
September 30, 1998 

Incorporated by reference to the copy thereof filed as an Exhibit to Company’s Quarterly Report on Form 10-Q filed for the quarter ended
September 30, 1998 

(5) 

Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Registration Statement on Form S-11 (File No.33-60008) 

(6) 

(7) 

(8) 

Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Annual Report on Form10-K filed for the fiscal year
ended December 31, 1998 

Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Annual Report on Form10-K filed for the fiscal year
ended December 31, 1999 

Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Registration Statement on Form S-8 filed September
28, 1999 

(9) 

Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Form 8-K filed on April 20, 1998 

(10)  Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Form 10-K filed for the fiscal year ended December 31,

2000 

(11) 

(12) 

(13) 

Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Registration Statement on Form S-3 filed on March 3,
2000 

Incorporated by reference to the copy thereof filed as an Exhibit to Company’s Quarterly Report on Form 10-Q filed for the quarter ended
September 30, 2001 

Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Annual Report on Form 10-K filed for the fiscal year
ended December 31, 2001 

(14) 

Incorporated by reference to the copy thereof filed as an Exhibit to Yale University’s Schedule 13D filed on September 25, 2002 

(15) 

Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Annual Report on Form 10-K filed for the fiscal year
ended December 31, 2002 

(16) 

Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Definitive Proxy Statement on Schedule 14A filed April
29, 2003.

(17) 

Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Current Report on Form 8-K filed on July 2, 2003 

(18) 

Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Annual Report on Form 10-K filed for the fiscal year
ended December 31, 2003 

(19) 

Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Annual Report on Form 10-K filed for the fiscal year
ended December 31, 2004.

(20)  Incorporated by reference to the copy thereof filed as an Exhibit to the Company’s Annual Report on Form 10-K filed for the fiscal year

ended December 31, 2004.

(21)  Management contract or compensatory plan or arrangement.

(22)  Filed herewith.

Acadia Realty Trust 2005 Annual Report

43

SIGNATURES 
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be
signed on its behalf by the undersigned, thereto duly authorized.

ACADIA REALTY TRUST 
(Registrant) 

By:

By:

By:

/s/ Kenneth F. Bernstein 
Kenneth F. Bernstein 
Chief Executive Officer, President and Trustee 

/s/ Michael Nelsen 
Michael Nelsen 
Sr. Vice President and Chief Financial Officer 

/s/ Jonathan W. Grisham 
Jonathan W. Grisham 
Vice President and Chief Accounting Officer 

Dated: March 15, 2006 

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of
the Registrant and in the capacities and on the dates indicated.

Signature 

/s/ Kenneth F. Bernstein 
(Kenneth F. Bernstein) 

/s/ Michael Nelsen 
(Michael Nelsen) 

/s/  Jonathan W. Grisham 
(Jonathan W. Grisham) 

/s/ Douglas Crocker II 
(Douglas Crocker II )

/s/ Alan S. Forman 
(Alan S. Forman) 

/s/ Suzanne Hopgood 
(Suzanne Hopgood) 

/s/ Lorrence T. Kellar 
(Lorrence T. Kellar) 

/s/ Wendy Luscombe
(Wendy Luscombe) 

/s/ Lee S. Wielansky 
(Lee S. Wielansky) 

Title 

Chief Executive Officer,
President and Trustee 
(Principal Executive Officer) 

Senior Vice President
and Chief Financial Officer 
(Principal Financial Officer) 

Vice President
and Chief Accounting Officer 
(Principal Accounting Officer) 

Trustee 

Trustee 

Trustee 

Trustee 

Trustee 

Trustee 

Date 

March 15, 2006

March 15, 2006

March 15, 2006

March 15, 2006

March 15, 2006

March 15, 2006

March 15, 2006

March 15, 2006

March 15, 2006

Acadia Realty Trust 2005 Annual Report 44

Management’s Discussion and Analysis continued

EXHIBIT INDEX 

The following is an index to all exhibits filed with the Annual Report on Form 10-K other than those incorporated by 

reference herein:

Exhibit No. Description 

3.3

Amended and Revised By-Laws of the Company

10.50

Revolving Loan Agreement between Fleet National Bank and The Bank of China and RD Absecon Associates, L.P.,

RD Bloomfield Associates, L.P.,RD Hobson Associates, L.P.,RD Village Associates, L.P., and RD Woonsocket Associates,

L.P., dated May 26, 2005

10.51

Mortgage, Assignment of Leases and Rents and Security Agreement between Acadia Crescent Plaza, LLC and

Greenwich Capital Financial Products, Inc. dated August 31, 2005 

10.52

Mortgage, Assignment of Leases and Rents and Security Agreement between Pacesetter/Ramapo Associates and

Greenwich Capital Financial Products, Inc. dated October 17, 2005 

10.53

Loan Agreement between RD Elmwood Associates, L.P. and Bear Stearns Commercial Finance Mortgage, Inc. dated

December 9, 2005 

10.54

Mortgage and Security Agreement between RD Elmwood Associates, L.P. and Bear Stearns Commercial Finance

21 

23.1 

23.2 

31.1 

Mortgage, Inc. dated December 9, 2005 

List of Subsidiaries of Acadia Realty Trust

Consent of Registered Public Accounting Firm to Form S-3 and Form S-8 

Consent of former Registered Public Accounting Firm to Form S-3 and Form S-8 

Certification of Chief Executive Officer pursuant to rule 13a – 14(a)/15d-14(a) of the Securities Exchange Act of 1934,

as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 

31.2 

Certification of Chief Financial Officer pursuant to rule 13a – 14(a)/15d-14(a) of the Securities Exchange Act of  1934,

as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 

32.1 

Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of

the Sarbanes-Oxley Act of 2002 

32.2 

Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of

the Sarbanes-Oxley Act of 2002 

Acadia Realty Trust 2005 Annual Report

45

ACADIA REALTY TRUST AND SUBSIDIARIES 

INDEX TO FINANCIAL STATEMENTS 

Report of Registered Public Accounting Firm for the year ended December 31, 2005 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47

Report of Registered Public Accounting Firm for the years ended December 31, 2004 and 2003 . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48

Consolidated Balance Sheets as of December 31, 2005 and 2004    . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49

Consolidated Statements of Income for the years ended December 31, 2005, 2004 and 2003    . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50

Consolidated Statements of Shareholders’ Equity for the years ended December 31, 2005, 2004 and 2003   . . . . . . . . . . . . . . . . 52

Consolidated Statements of Cash Flows for the years ended December 31, 2005, 2004 and 2003   

. . . . . . . . . . . . . . . . . . . . . . . . 54

Notes to Consolidated Financial Statements    . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56

Schedule III – Real Estate and Accumulated Depreciation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 79

Acadia Realty Trust 2005 Annual Report 46

Report of Independent Registered Public Accounting Firm

The Shareholders and Trustees of Acadia Realty Trust

We have audited the accompanying consolidated balance sheet of Acadia Realty Trust and subsidiaries (the “Company”) as of

December 31, 2005 and the related consolidated statements of income, stockholders' equity, and cash flows for the year then

ended. Our audits also included the financial statement schedule listed in the Index at Item 15(a). These financial statements

and schedule are the responsibility of the Company’s management. Our responsibility is to express an opinion on these finan-

cial statements and schedule based on our audits.

We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States).

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.

In our opinion, the financial statements referred to above present fairly, in all material respects, the consolidated financial

position of Acadia Realty Trust and subsidiaries at December 31, 2005 and the consolidated results of their operations and

their cash flows for the year then ended, in conformity with U.S. generally accepted accounting principles. Also, in our opinion,

the related financial statement schedule, when considered in relation to the basic financial statements taken as a whole,

present fairly in all material respects the information set forth therein.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States),

the effectiveness of Acadia Realty Trust and subsidiaries’ internal control over financial reporting as of December 31, 2005,

based on criteria established in Internal Control — Integrated Framework issued by the Committee of Sponsoring Organizations

of the Treadway Commission and our report dated March 8, 2006 expressed an unqualified opinion thereon.

BDO Seidman, LLP 

New York, New York

March 8, 2006 

Acadia Realty Trust 2005 Annual Report

47

Report of Independent Registered Public Accounting Firm

The Shareholders and Trustees of Acadia Realty Trust

We have audited the accompanying consolidated balance sheet of Acadia Realty Trust and subsidiaries (the “Company”) as of

December 31, 2004, and the related consolidated statements of income, shareholders' equity, and cash flows for each of the two

years in the period ended December 31, 2004. These financial statements and schedule are the responsibility of the Company's

management. Our responsibility is to express an opinion on these financial statements and schedule based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States).

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

audits provide a reasonable basis for our opinion.

In our opinion, the financial statements referred to above present fairly, in all material respects, the consolidated financial

position of Acadia Realty Trust and subsidiaries at December 31, 2004, and the consolidated results of their operations and

their cash flows for each of the two years in the period ended December 31, 2004, in conformity with U.S. generally accepted

accounting principles.

Ernst & Young LLP

New York, New York

March 10, 2005, except for Note 2B, as to which the date is March 15, 2006 

Acadia Realty Trust 2005 Annual Report 48

Consolidated Balance Sheets

I N   T H O U S A N D S , E X C E P T   P E R   S H A R E   A M O U N T S

Assets

Real Estatei

Land

Buildings and improvements
Construction in progress

Less: accumulated depreciation

Net real estate
Cash and cash equivalents
Restricted cash
Cash in escrow
Investment in management contracts, net of accumulated amortization of $1,938
Preferred equity investment
Investments in and advances to unconsolidated partnerships
Rents receivable, net
Notes receivable
Prepaid expenses
Deferred charges, net
Acquired lease intangibles
Other assets
Assets of discontinued operations

Liabilities and Shareholders’ Equity
Mortgage notes payable

Accounts payable and accrued expenses

Dividends and distributions payable

Derivative instruments

Share of distributions in excess of share of income and investment

in unconsolidated partnerships

Other liabilities
Liabilities of discontinued operations

Total liabilities

Minority interest in Operating Partnership

Minority interests in majority-owned partnerships

Total minority interests

Shareholders’ equity:

Common shares, $.001 par value, authorized 100,000,000 shares,

issued and outstanding 31,542,942 and 31,340,637 shares, respectively

Additional paid-in capital
Accumulated other comprehensive loss

Deficit

Total shareholders’ equity

The accompanying notes are an integral part of these consolidated financial statements.

49

Acadia Realty Trust 2005 Annual Report

December 31,

22000055

22000044

$$ 5544,,996633

$$ 5522,,447722

338800,,005533
773355

443355,,775511
111188,,330099

331177,,444422
3399,,661122
551122
55,,339966
33,,117788
1199,,000000
4477,,002211
1111,,888800
1155,,773333
33,,005577
1155,,888800
44,,663388
1155,,770099
——

335566,,990088
55,,559944

441144,,997744
110055,,227788

330099,,669966
1133,,449999
661122
44,,446677
3,422
——
2277,,668844
1100,,448855
1100,,008877
22,,999944
1122,,662244
——
44,,880099
55,,226688

$$ 449999,,005588

$$ 440055,,664477

$$ 223388,,444488

$$ 115533,,336611

77,,331199

66,,008888

118800

1100,,331155

55,,339966
——

226677,,774466

99,,220044

11,,553322

1100,,773366

3311

222233,,119999

((1122))

((22,,664422))

222200,,557766

77,,662277

55,,559977

22,,113366

99,,330044

33,,009966
5511

118811,,117722

55,,774433

11,,880088

77,,555511

3311

2222,,771155

((33,,118800))

((22,,664422))

221166,,992244

$$ 449999,,005588

$$ 440055,,664477

Consolidated Statements of Income

I N   T H O U S A N D S , E X C E P T   P E R   S H A R E   A M O U N T S

Revenuesi
Minimum rents

Percentage rents

Expense reimbursements

Other property income

Management fee income (net of submanagement fees of $1,591)

Interest income

Other

Total revenues

Operating Expensesi
Property operating

Real estate taxes

General and administrative

Depreciation and amortization

Total operating expenses

Operating income

Equity in earnings of unconsolidated partnerships

Interest expense

Gain on sale of land

Minority interest

Income from continuing operations before income taxes

Income Taxes

Income from continuing operations

Discontinued operations:

Operating (loss) income from discontinued operations

Impairment of real estate

(Loss) gain on sale of properties

Minority interest

(Loss) income from discontinued operations

Years Ended December 31,

22000055

22000044

22000033

$$ 5522,,773377

$$5500,,666677

$$ 4488,,110000

774477

1133,,998800

778800

1111,,449922

33,,558822
——

8833,,331188

1144,,332233

99,,225533

1155,,338822

1166,,776633

5555,,772211

2277,,559977

88,,222288

((1111,,442233))

——

((669955))

2233,,770077

((22,,114400))

2211,,556677

((113388))

((777700))

((5500))

1177

((994411))

994488

1122,,998833

662200

44,,776633

11,,446666

221100

7711,,665577

1144,,554444

88,,776622

1100,,446688

1155,,447700

4499,,224444

2222,,441133

11,,779977

((1100,,443366))

993322

((11,,119900))

1133,,551166

——

1133,,551166

((550044))

——

66,,669966

((112233))

66,,006699

998888

1122,,883333

774488

11,,997711

778888

11,,221188

6666,,664466

1144,,441199

88,,220088

1100,,773344

1177,,119955

5500,,555566

1166,,009900

22,,441111

((99,,889966))

11,,118877

((11,,339999))

88,,339933

——

((559922))

559922

——

——

5522

554400

Net income

$$2200,,662266

$$ 1199,,558855

$$

77,,885533

The accompanying notes are an integral part of these consolidated financial statements.

Acadia Realty Trust 2005 Annual Report 50

Consolidated Statements of Income continued

I N   T H O U S A N D S , E X C E P T   P E R   S H A R E   A M O U N T S

Basic Earnings per Sharei
Income from continuing operations

(Loss) income from discontinued operations

Basic earnings per share

Diluted Earnings per Sharei 
Income from continuing operations

(Loss) income from discontinued operations

Diluted earnings per share

The accompanying notes are an integral part of these consolidated financial statements.

Years Ended December 31,

22000055

22000044

22000033

$$ 00..6688

((00..0033))

$$ 00..6655

$$ 00..6677

((00..0033))

$$ 00..6644

$$00..4466

00..2211

$$ 00..6677

$$00..4455

00..2200

$$00..6655

$$ 00..3322

((00..0022))

$$ 00..3300

$$ 00..3311

((00..0022))

$$ 00..2299

Acadia Realty Trust 2005 Annual Report

51

Consolidated Statements of Shareholders’ Equity

Common Shares

Shares

Amount

Additional
Paid-in
Capital

Accumulated
Other
Comprehensive
Loss

Total
Shareholders’
Equity

Deficit

I N   T H O U S A N D S , E X C E P T   P E R   S H A R E   A M O U N T S

Balance at December 31, 2002

2255,,225577

$$ 2255

$$ 117700,,885511

$$ ((66,,887744))

$$ ((22,,667799))

$$ 116611,,332233

Conversion of 2,058,804 OP Units to

Common Shares by limited partners
of the Operating Partnership

22,,005599

Conversion of 632 Series A Preferred OP Units to

Common Shares by limited partners
of the Operating Partnership
Employee restricted share award
Settlement of vested options
Dividends declared ($0.595 per 

Common Share)

Employee exercise of 250 options
Unrealized gain on valuation of swap

agreements

Common Shares purchased under Employee
Stock Purchase Plan
Net income

8844
88
——

——
——

——

11
——

Balance at December 31, 2003

2277,,440099

Conversion of 746,762 OP Units to 

Common Shares by limited partners 
of the Operating Partnership

Shares issued to trustees and employees
Employee restricted share award
Settlement of vested options
Dividends declared ($0.6525 per 

Common Share)

Employee and trustee exercise of 

1,262,000 options

Unrealized gain on valuation of 

swap agreements

Common Shares issued under 

Employee Stock Purchase Plan

Issuance of 1,890,000 Common Shares,

net of issuance costs

Net income

Balance at December 31, 2004

774477
55
2222
——

——

11,,226622

——

66

11,,889900
—

3311,,334411

2

—
—
—

——
—

——

—
——

2277

11
——
——
——

——

11

——

——

22
—

3311

14,898

632
410
(750)

((88,,116600))
2

——

8
——

—

—
—
—

——
—

—

—
—
—

14,900

632
410
(750)

((77,,885533))
—

((1166,,001133))
2

11,,336699

——

11,,336699

—
——

—
77,,885533

8
77,,885533

117777,,889911

((55,,550055))

((22,,667799))

116699,,773344

66,,339955
444433
339944
((6677))

——

99,,226655

——

8844

2288,,331100
—

222222,,771155

——
——
——
——

——

——

22,,332255

——

——
—

——
——
——
——

66,,339966
444433
339944
((6677))

((1199,,554488))

((1199,,554488))

——

——

——

——
1199,,558855

99,,226666

22,,332255

8844

2288,,331122
1199,,558855

((33,,118800))

((22,,664422))

$$ 221166,,992244

Acadia Realty Trust 2005 Annual Report 52

Consolidated Statements of Shareholders’ Equity continued

Common Shares

Shares

Amount

Additional
Paid-in
Capital

Accumulated
Other
Comprehensive
Loss

Total
Shareholders’
Equity

Deficit

I N   T H O U S A N D S , E X C E P T   P E R   S H A R E   A M O U N T S

Conversion of 796 Series A Preferred OP Units to

Common Shares by limited partners
of the Operating Partnership
Employee restricted share award
Dividends declared ($0.69 per 

Common Share)

Employee and trustee exercise of 

51,200 options

Unrealized gain on valuation of swap

agreements

Common Shares purchased under
Employee Stock Purchase Plan

Net income

9922
5522

——

5511

——

77
——

Balance at December 31, 2005

3311,,554433

$$——
——

$$

669966
11,,003300

$$ ——
——

$$

—— $$
——

669966
11,,003300

——

——

——

——
——

3311

((11,,669911))

334455

——

110044
——

222233,,119999

——

——

33,,116688

——
——

((1122))

((2200,,662266))

((2222,,331177))

——

——

——
2200,,662266

334455

33,,116688

110044
2200,,662266

((22,,664422))

222200,,557766

The accompanying notes are an integral part of these consolidated financial statements

Acadia Realty Trust 2005 Annual Report

53

Consolidated Statements of Cash Flows

I N   T H O U S A N D S , E X C E P T   P E R   S H A R E   A M O U N T S

Cash Flows from Operating Activities
Net income

Adjustments to reconcile net income to net cash 

provided by operating activities:

Depreciation and amortization

Gain on sale of land

(Loss) gain on sale of property

Impairment of real estate

Minority interests

Equity in earnings of unconsolidated partnerships

Distributions of operating income from unconsolidated partnerships

Amortization of derivative settlement included in interest expense

Provision for bad debts

Amortization of FAS 141 above-market rent

Changes in assets and liabilities:

Restricted cash

Funding of escrows, net

Rents receivable

Prepaid expenses

Other assets

Accounts payable and accrued expenses

Due to/from related parties

Other liabilities

Net cash provided by operating activities

Cash Flows from Investing Activities
Expenditures for real estate and improvements

Payment of accrued expense related to redevelopment project

Investment in and advances to unconsolidated partnerships

Return of capital from unconsolidated partnerships

Collections on notes receivable
Payment of deferred leasing costs

Advances of notes receivable

Preferred equity investment

Proceeds from sale of land

Proceeds from sale of property

Net cash (used in) provided by investing activities

The accompanying notes are an integral part of these consolidated financial statements.

Years Ended December 31,

22000055

22000044

22000033

$$ 2200,,662266

$$1199,,558855

$$ 77,,885533

1166,,885533

——
5500

777700

667788

((88,,222288))

559966

444400

448811

221177

110000

((992299))

((11,,551177))

((2299))

((99,,008877))

664466

——

22,,229922

2233,,995599

2255,,662299

——

((1122,,771111))

11,,001111

11,,886688
((11,,003344))

((77,,991144))

((1199,,000000))

——

33,,993311

((5599,,447788))

1166,,007777

((993322))

((66,,669966))

——

11,,331133

((11,,779977))

11,,664455

9999

778833

——

((110088))

((11,,112255))

((11,,228888))

9999

((33,,000044))

22,,446644

((997744))

((667733))

2255,,446688

((77,,113399))

——

((1166,,442222))

1155,,113366

33,,992299
((22,,337788))

((1100,,442299))

——

993322

——

1177,,990099

((11,,118877))

——

——

11,,334477

((22,,441111))

11,,554400

——

552233

——

((550044))

110055

((33,,995588))

((11,,008855))

((889911))

221188

((112266))

778855

2200,,111188

((1133,,553311))

((22,,448888))

((66,,003322))

6622

33,,223322
((22,,118833))

——

——

——

——

((1166,,337711))

((2200,,994400))

Acadia Realty Trust 2005 Annual Report 54
Acadia Realty Trust 2005 Annual Report 54

Consolidated Statements of Cash Flows continued

I N   T H O U S A N D S , E X C E P T   P E R   S H A R E   A M O U N T S

Cash Flows from Financing Activities
Principal payments on mortgage notes payable 

Proceeds received on mortgage notes payable 

Payment of deferred financing and other costs 

Dividends paid 

Distributions to minority interests in Operating Partnership 

Distributions on Preferred Operating Partnership Units 

Distributions to minority interests in majority-owned partnership 

Common Shares issued under Employee Stock Purchase Plan 

Settlement of options to purchase Common Shares

Exercise of options to purchase Common Shares

Termination of derivative instrument

Issuance of Common Shares

Net cash provided by (used in) financing activities

Increase (decrease) in cash and cash equivalents 

Cash and cash equivalents, beginning of period 

Cash and cash equivalents, end of period

Supplemental Disclosure of Cash Flow Informationi

Years Ended December 31,

22000055

22000044

22000033

$$ ((3399,,001144))  

$$((110000,,992288))  

$$ ((3322,,991177))

112244,,110000  

((11,,119933))  

((2211,,886699))  

((338800))  

((334422))  

((111199))  

110044

——

334455

——

——

6611,,663322

2266,,113333

1133,,449999  

7766,,225511  

((11,,663300))  

((1188,,550077))  

((441166))  

((228833))  

((660066))  

8844  

((6677))  

9,340
((11,,330077))

2288,,331144

((99,,775577))  

((666600))  

1144,,115599  

2211,,000000

((224411))

((1144,,889966))

((11,,220077))

((119999))

((998855))

88  

((775500))

—
——

——

((3300,,118877))  

3311,,000099

4455,,116688

$$ 3399,,661122  

$$ 1133,,449999

$$ 1144,,115599  

Cash paid during the period for interest

$$

1111,,445566

$$

1111,,777777  

$$ 1111,,664455

Supplemental Disclosure of Non-Cash Investing and Financing Activitiesi

Acquisition of management contract rights through issuance of 

Preferred Operating Partnership Units

Acquisition of property through issuance of 
Preferred Operating Partnership Units

$$ 44,,000000

$$

220000

$$

$$

44000000

——

$

$

——

——

The accompanying notes are an integral part of these consolidated financial statements.

Acadia Realty Trust 2005 Annual Report
Acadia Realty Trust 2005 Annual Report

55
55

Notes to Consolidated Statements 

In thousands, except per share amounts

Note 1i

Organization, Basis of Presentation
and Summary of Significant Account-
ing Policies 
Acadia Realty Trust (the “Company”) is a fully integrated,

self-managed and self-administered equity real estate

investment trust (“REIT”) focused primarily on the owner-

ship, acquisition, redevelopment and management of retail

properties, including neighborhood and community shopping

centers and mixed-use properties with retail components.

All of the Company’s assets are held by, and all of its operations

are conducted through, Acadia Realty Limited Partnership

(the “Operating Partnership”) and its majority owned part-

nerships. As of December 31, 2005, the Company controlled

98% of the Operating Partnership as the sole general part-

ner. As the general partner, the Company is entitled to share,

in proportion to its percentage interest, in the cash distribu-

tions and profits and losses of the Operating Partnership.

The limited partners represent entities or individuals who

contributed their interests in certain properties or partner-

ships to the Operating Partnership in exchange for common

or preferred units of limited partnership interest (“Common

or Preferred OP Units”). Limited partners holding Common

OP Units are generally entitled to exchange their units on a

one-for-one basis for common shares of beneficial interest

of the Company (“Common Shares”). This structure is com-

monly referred to as an umbrella partnership REIT or “UPREIT.”

As of December 31, 2005, the Company operated 71 properties,

which it owns or has an ownership interest in, principally

located in the Northeast, Mid-Atlantic and Midwest regions

of the United States.

Principles of Consolidation 
The consolidated financial statements include the consoli-

dated accounts of the Company and its majority owned

partnerships, including the Operating Partnership. All sig-

nificant intercompany balances and transactions have been

eliminated in consolidation. Investments in partnerships for

which the Company has the ability to exercise significant

influence over, but does not have financial or operating con-

trol, are accounted for using the equity method of accounting.

Accordingly, the Company’s share of the earnings (or loss) of

these partnerships are included in consolidated net income.

“Consolidation of Variable Interest Entities” (“FIN 46-R”) are

required to be consolidated by their primary beneficiary. The

primary beneficiary of a variable interest entity is determined

to be the party that absorbs a majority of the entity’s expected

losses, receives a majority of its expected returns, or both.

Management has evaluated the applicability of FIN 46-R 

to its investments in certain joint ventures and determined

that these joint ventures do not meet the requirements of a

variable interest entity and, therefore, consolidation of these

ventures is not required. Accordingly, these investments are

accounted for using the equity method.

Use of Estimates 
Accounting principles generally accepted in the United

States of America (“GAAP”) require the Company’s manage-

ment to make estimates and assumptions that affect the

amounts reported in the financial statements and accompa-

nying notes. The most significant assumptions and estimates

relate to the valuation of real estate, depreciable lives, revenue

recognition and the collectability of trade accounts receivable.

Application of these assumptions requires the exercise of

judgment as to future uncertainties and, as a result, actual

results could differ from these estimates.

Real Estate 
Real estate assets are stated at cost less accumulated depre-

ciation. Expenditures for acquisition, development, construc-

tion and improvement of properties, as well as significant

renovations are capitalized. Interest costs are capitalized

until construction is substantially complete. Construction

in progress includes costs for significant shopping center

expansion and redevelopment. Depreciation is computed

on the straight-line basis over estimated useful lives of 30 

to 40 years for buildings and the shorter of the useful life or

lease term for improvements, furniture, fixtures and equip-

ment. Expenditures for maintenance and repairs are charged

to operations as incurred.

Upon acquisitions of real estate, the Company assesses the

fair value of acquired assets (including land, buildings and

improvements, and identified intangibles such as above and

below market leases and acquired in-place leases and cus-

tomer relationships) and acquired liabilities in accordance

with Statement of Financial Accounting Standards (“SFAS”)

No. 141, “Business Combinations” and SFAS No. 142,” Goodwill

and Other Intangible Assets,” and allocates purchase price

based on these assessments. The Company assesses fair

value based on estimated cash flow projections that utilize

Variable interest entities within the scope of Financial

appropriate discount and capitalization rates and available

Accounting Statements Board (“FASB”) Interpretation No. 46,

market information. Estimates of future cash flows are

Acadia Realty Trust 2005 Annual Report 56

Notes to Consolidated Statements continued
Notes to Consolidated Statements continued

based on a number of factors including the historical operat-

The Company makes estimates of the uncollectability of 

ing results, known trends, and market/economic conditions

its accounts receivable related to base rents, expense reim-

that may affect the property.

The Company reviews its long-lived assets used in operations

for impairment when there is an event, or change in circum-

stances that indicates impairment in value. The Company

records impairment losses and reduces the carrying value 

of properties when indicators of impairment are present and

the expected undiscounted cash flows related to those prop-

bursements and other revenues. An allowance for doubtful

accounts has been provided against certain tenant accounts

receivable that are estimated to be uncollectible. Once the

amount is ultimately deemed to be uncollectible, it is written

off. Rents receivable at December 31, 2005 and 2004 are

shown net of an allowance for doubtful accounts of $2,843

and $2,841, respectively.

erties are less than their carrying amounts. In cases where

Interest income from notes receivable is recognized on an

the Company does not expect to recover its carrying costs 

accrual basis based on the contractual terms of the notes.

on properties held for use, the Company reduces its carrying

cost to fair value, and for properties held for sale, the Com-

pany reduces its carrying value to the fair value less costs to

sell. During the year ended December 31, 2005, an impairment

loss of $770 was recognized related to a property that was

sold in July of 2005. Management does not believe that the

values of its properties within the portfolio are impaired as

of December 31, 2005.

Deferred Costs 
Fees and costs paid in the successful negotiation of leases

have been deferred and are being amortized on a straight-

line basis over the terms of the respective leases. Fees and

costs incurred in connection with obtaining financing have

been deferred and are being amortized over the term of the

related debt obligation.

Management Contracts
Income from management contracts, net of submanage-

ment fees of $303 and $1,591 for the years ended December

31, 2005 and 2004, respectively, is recognized on an accrual

basis as such fees are earned. The initial acquisition cost

of the management contracts is being amortized over the

estimated lives of the contracts acquired.

Revenue Recognition and Accounts Receivable
Leases with tenants are accounted for as operating leases.

Minimum rents are recognized on a straight-line basis over

the term of the respective leases. As of December 31, 2005

and 2004 unbilled rents receivable relating to straight-lining

of rents were $6,988 and $6,506, respectively. Certain of

these leases also provide for percentage rents based upon

Cash and Cash Equivalents 
The Company considers all highly liquid investments with 

an original maturity of three months or less when purchased

to be cash equivalents.

Restricted Cash and Cash in Escrow 
Restricted cash and cash in escrow consists principally of

cash held for real estate taxes, property maintenance, insur-

ance, minimum occupancy and property operating income

requirements at specific properties as required by certain

loan agreements.

Income Taxes 
The Company has made an election to be taxed, and believes

it qualifies as a REIT under Sections 856 through 860 of the

Internal Revenue Code of 1986, as amended (the “Code”). To

maintain REIT status for Federal income tax purposes, the

Company is generally required to distribute to its stockhold-

ers at least 90% of its REIT taxable income as well as comply

with certain other requirements as defined by the Code.

Accordingly, the Company is not subject to federal corporate

income tax to the extent that it distributes 100% of its REIT

taxable income each year.

Although it may qualify for REIT status for Federal income

tax purposes, the Company is subject to state income or

franchise taxes in certain states in which some of its proper-

ties are located. In addition, taxable income from non-REIT

activities managed through the Company’s taxable REIT

subsidiaries (“TRS”) are subject to Federal, state and local

income taxes.

the level of sales achieved by the tenant. Percentage rents

TRS income taxes are accounted for under the asset and lia-

are recognized in the period when the tenants’ sales break-

bility method as required by SFAS No. 109, “Accounting for

point is met. In addition, leases typically provide for the

Income Taxes.” Under the asset and liability method, deferred

reimbursement to the Company of real estate taxes, insurance

income taxes are recognized for the temporary differences

and other property operating expenses. These reimburse-

between the financial reporting basis and the tax basis of

ments are recognized as revenue in the period the expenses

the TRS assets and liabilities.

are incurred.

Acadia Realty Trust 2005 Annual Report

57

Stock-based Compensation 
Prior to 2002, the Company accounted for stock options under

Accounting Principles Board Opinion No. 25, “Accounting for

Stock Issued to Employees” and related interpretations.

Effective June 30, 2005, the Company adopted the fair value

method of recording stock-based compensation contained 

in SFAS No. 123R, “Accounting for Stock-Based Compensation.”

As such, all stock options granted after December 31, 2001

are reflected as compensation expense in the Company’s

consolidated financial statements over their vesting period

based on the fair value at the date the stock-based compen-

sation was granted. As provided for in SFAS No. 123, the Com-

pany elected the “prospective method” for the adoption of

the fair value basis method of accounting for employee stock

options. Under this method, the recognition provisions have

effective date did not have a material effect on the Company’s

consolidated financial statements.

On December 16, 2004, the FASB issued SFAS No. 123R

(Revised 2004), “Share-Based Payment.” SFAS 123R replaces

SFAS No. 123, which the Company adopted on January 1,

2003. SFAS No. 123R requires that the compensation cost

relating to share-based payment transactions be recognized

in financial statements and be measured based on the 

fair value of the equity or liability instruments issued. SFAS

No. 123R is effective as of the first interim or annual report-

ing period that begins after June 15, 2005. The Company

does not believe that the adoption of SFAS No. 123R will 

have a material effect on the Company’s consolidated

financial statements.

been applied to all employee awards granted, modified or

In May 2005, the FASB issued SFAS No. 154, “Accounting

settled after January 1, 2002.

The following table illustrates the effect on net income and

earnings per share if the Company had applied the fair value

based method of accounting for stock-based employee com-

pensation for vested stock options granted prior to January 1,

2002. See Note 11 – “Share Incentive Plan” for the assumptions

utilized in valuing the below vested stock options:

Years Ended December 31,

2005

2004

2003

Net income:

As reported

Pro forma

Basic earnings per share:

As reported

Pro forma

Diluted earnings per share:

As reported

Pro forma

$19,585

$7,853

19,561

7,829

$ 0.67

$ 0.30

0.67

0.29

$ 0.65

$ 0.29

0.65

0.29

Recent Accounting Pronouncements
On December 16, 2004, the FASB issued SFAS No. 153,

“Exchanges of Nonmonetary Assets — An Amendment of

APB Opinion No. 29.” The amendments made by SFAS No. 153

are based on the principle that exchanges of nonmonetary

assets should be measured based on the fair value of the

assets exchanged. Further, the amendments eliminate the

narrow exception for nonmonetary exchanges of similar

productive assets and replace it with a broader exception 

for exchanges of nonmonetary assets that do not have

“commercial substance.” SFAS No. 153 is effective for non-

monetary asset exchanges occurring in fiscal periods begin-

ning after June 15, 2005. The adoption of SFAS No. 153 on its

Changes and Error Corrections – A Replacement of APB

Opinion No. 20 and SFAS No. 3.” SFAS No. 154 changes the

requirements for the accounting and reporting of a change

in accounting principle by requiring that a voluntary change

in accounting principle be applied retrospectively with all

prior periods’ financial statements presented on the new

accounting principle, unless it is impracticable to do so.

SFAS No. 154 also requires that a change in depreciation or

amortization for long-lived, nonfinancial assets be accounted

for as a change in accounting estimate effected by a change

in accounting principle and corrections of errors in previously

issued financial statements should be termed a “restatement.”

SFAS No. 154 is effective for accounting changes and correc-

tions of errors made in fiscal years beginning after Decem-

ber 15, 2005. The Company believes that the adoption of

SFAS No. 154 will not have a material effect on its consolidated

financial statements.

In 2005, the Emerging Issues Task Force (“EITF”) reached a

consensus that the general partners in a limited partnership

should determine whether they control a limited partnership

based on the application of the framework as discussed in

EITF 04-5, “Determining Whether a General Partner, or the

General Partners as a Group, Controls a Limited Partnership

or Similar Entity When the Limited Partners Have Certain

Rights.” Under EITF 04-5, the general partners in a limited

partnership are presumed to control that limited partner-

ship regardless of the extent of the general partners’ owner-

ship interest in the limited partnership. The assessment of

whether the rights of the limited partners should overcome

the presumption of control by the general partners is a matter

of judgment that depends on facts and circumstances. If 

the limited partners have either (a) the substantive ability 

to dissolve (liquidate) the limited partnership or otherwise

Acadia Realty Trust 2005 Annual Report 58

Notes to Consolidated Statements continued

remove the general partners without cause or (b) substantive

pertains to a beneficial interest other than another deriva-

participating rights, the general partners do not control the

tive financial instrument. This Statement is effective for all

limited partnership. EITF 04-5 was effective immediately for

financial instruments acquired or issued after the beginning

new partnerships formed and existing limited partnerships

of an entity’s first fiscal year that begins after September 15,

for which the partnership agreements are modified on or

2006. The Company believes that the adoption of SFAS No.

after June 29, 2005, and, for all other partnerships, EITF 04-5

155 will not have a material effect on its consolidated finan-

would be effective no later than the beginning of the first

cial statements.

reporting period in fiscal years beginning after December 15,

2005. The provisions of EITF 04-5 may be initially applied

through either one of two methods: (1) similar to a cumula-

tive effect of a change in accounting principle or (2) retro-

spective application. The Company is currently assessing the

impact of EITF 04-5 as it relates to the method of accounting

utilized for its investments in Funds I and II (note 4), which

Comprehensive income 
The following table sets forth comprehensive income for the

years ended December 31, 2005, 2004 and 2003:

Years Ended December 31,

2005

2004

2003

$20,626

$19,585

$ 7,853

are currently accounted for under the equity method of

Net income

accounting. There would be no impact on net income or

shareholders’ equity for any of the reported periods in the

accompanying consolidated financial statements if the Com-

pany were to consolidate these investments. If the Company

was required to consolidate these investments, total assets,

total liabilities and minority interest as of December 31, 2005

Other comprehensive

income (loss)1

3,168

2,325

1,369

Comprehensive income
1Relates to the changes in the fair value of derivative instruments
accounted for as cash flow hedges.

$ 23,794

$ 21,910

$ 9,222

and December 31, 2004 would be as follows:

The following table sets forth the change in accumulated

December 31,

other comprehensive loss for the years ended December 31,

Total assets

Total liabilities

Minority interest

2005

$ 816,732

484,473

$ 111,683

2004

$624,387

343,741

$ 63,722

In February 2006, the FASB issued SFAS No. 155, “Accounting

for Certain Hybrid Financial Instruments — an amendment

of FASB Statements No. 133 and No. 14.” This Statement

amends SFAS No. 133, “Accounting for Derivative Instruments

and Hedging Activities,” and SFAS No. 140, “Accounting for

Transfers and Servicing of Financial Assets and Extinguish-

ments of Liabilities” and resolves issues addressed in SFAS

No. 133 Implementation Issue No. D1, “Application of SFAS 

No. 133 to Beneficial Interests in Securitized Financial Assets.”

This Statement (a) permits fair value remeasurement for 

any hybrid financial instrument that contains an embedded

derivative that otherwise would require bifurcation, (b) clarifies

which interest-only strips and principal-only strips are not

subject to the requirements of SFAS No. 133, (c) establishes 

a requirement to evaluate interests in securitized financial

assets to identify interests that are freestanding derivatives

2005, 2004 and 2003:

Years Ended December 31,

2005

2004

2003

Beginning balance

$3,180

$ 5,505

$ 6,874

Unrealized gain on 

valuation of derivative
instruments

(3,168)

(2,325)

(1,369)

Ending balance

$

12

$ 3,180

$ 5,505

Reclassifications 
Certain 2004 and 2003 amounts were reclassified to con-

form to the 2005 presentation.

Note 2i

Acquisition and Disposition of 
Properties and Discontinued Operations

A. Acquisition and Disposition of Properties
Currently the primary vehicle for the Company’s acquisitions

or that are hybrid financial instruments that contain an

is through its acquisition joint ventures (Note 4).

embedded derivative requiring bifurcation, (d) clarifies that

concentrations of credit risk in the form of subordination are

not embedded derivatives and (e) amends SFAS No. 140 to

eliminate the prohibition on a qualifying special-purpose

entity from holding a derivative financial instrument that

Dispositions relate to the sale of shopping centers and 

land. Gains from these sales are recognized in accordance

with the provisions of SFAS No. 66, “Accounting for Sales of

Real Estate.”

Acadia Realty Trust 2005 Annual Report

59

Acquisitions
During July of 2005, the Company purchased 4343 Amboy

The combined results of operations and assets and liabilities

of the properties classified as discontinued operations are

Road located in Staten Island, New York for $16,635 in cash

summarized as follows:

and $200 in Common OP Units.

Dispositions
On July 7, 2005, the Company sold the Berlin Shopping Center

Assets:

for $4,000. An impairment loss of $770 was recognized for

the year ended December 31, 2005, to reduce the carrying

value of this asset to fair value less costs to sell.

On November 22, 2004, the company disposed of the East

End Centre, a 308,000 square foot shopping center in Wilkes-

Barre, Pennsylvania, for approximately $12,405 resulting in a

$6,696 gain on the sale.

Net real estate

Rents receivable, net

Prepaid expenses

Total Assets

Liabilities and Deficit:

Accounts payable and 
accrued expenses

On November 8, 2002, the Company and an unaffiliated

joint venture partner completed the sale of a contract to

purchase land in Bethel, Connecticut, to the Target Corpora-

tion for $1,540 after closing and other related costs. The joint

Other liabilities

Total liabilities

Surplus

venture received a $1,632 note receivable for the net purchase

Total liabilities and surplus

price and additional reimbursements due from the buyer

and deferred recognition of the gain on sale in accordance

with SFAS No. 66. The note was paid in full on January 10,

2003, and as such, the Company’s share of the deferred gain,

or $634, was recognized in 2003. Additional amounts held in

escrow from the closing of $932 were released to the Com-

pany during 2004 and recognized as additional gain. Of this

amount, $466 was attributable to the Company’s joint venture

partner and reflected in minority interest in the Company’s

consolidated statement of income.

B. Discontinued Operations
SFAS No. 144 requires discontinued operations presentation

for disposals of a “component” of an entity. In accordance

Total revenue

Total expenses

Impairment of real estate

(Loss) gain on sale 
of properties

Minority interest

(Loss) Income from 

December 31,

2005

2004

$4,827

406

35

$5,268

13

38

51

$

5,217

$5,268

Years Ended December 31,

2005

2004

2003

$438

$ 2,554

$2,799

576

3,058

3,391

(504)

(592)

(138)

(770)

—

(50)

6,696

17

(123)

—

—

52

discontinued operations

$(941)

$6,069

$ (540)

with SFAS No. 144, for all periods presented, the Company

Note 3i

reclassified its consolidated statements of income to reflect

income and expenses for properties which became held for

sale subsequent to December 31, 2001, as discontinued oper-

ations and reclassified its consolidated balance sheets to

reflect assets and liabilities related to such properties as

assets and liabilities related to discontinued operations.

The combined results of operations of either sold properties

or properties held for sale are reported separately as discon-

tinued operations for the years ended December 31, 2005,

2004 and 2003. These are related to the Berlin Shopping

Center, which was sold on July 7, 2005 and the East End 

Centre, which was sold on November 22, 2004.

Segment Reporting 
The Company has two reportable segments: retail properties

and multi-family properties. The accounting policies of the

segments are the same as those described in the summary

of significant accounting policies. The Company evaluates

property performance primarily based on net operating income

before depreciation, amortization and certain nonrecurring

items. The reportable segments are managed separately due

to the differing nature of the leases and property operations

associated with the retail versus residential tenants. The fol-

lowing table sets forth certain segment information for the

Company, reclassified for discontinued operations, as of and

for the years ended December 31, 2005, 2004, and 2003

(does not include unconsolidated partnerships):

Acadia Realty Trust 2005 Annual Report 60

Notes to Consolidated Statements continued

2005

2004

2003

Retail Multi-Family

All

Retail Multi-Family

All

Retail Multi-Family

Properties Properties Other

Total

Properties Properties Other

Total

Properties Properties

All
Other

Total

$ 61,540

$ 7,688 $14,090 $ 83,318

$ 57,600

$ 7,596

$6,461

$ 71,657

$ 55,351

$ 7,318 $ 3,977

$ 66,646

19,323

4,253

—

23,576

2,141

267

12,974

15,382

19,172

3,733

4,134

—

23,306

18,440

4,187

—

490

6,245

10,468

7,892

1,005

1,837

22,627

10,734

$ 40,076

$ 3,168 $ 1,116 $ 44,360 $ 34,695

$ 2,972

$ 216

$ 37,883

$ 29,019 $ 2,126 $ 2,140

$ 33,285

$ 14,847

$ 1,465 $

451 $ 16,763

$ 13,709

$ 1,433

$ 328

$ 15,470

$ 15,538 $ 1,336 $ 321

$

17,195

$ 10,068

$ 1,355 $ — $ 11,423

$

8,918

$

1,518

$ — $ 10,436

$ 8,366 $ 1,530 $ — $ 9,896

$ 394,118

$ 41,633 $ — $ 435,751

$374,359

$ 40,615

$ — $ 414,974

$367,446 $ 39,774 $ — $ 407,220

$ 413,158

$ 37,295 $48,605 $499,058 $348,026 $ 36,872

$20,749 $405,647

$ 337,724 $36,830 $13,630 $ 388,184

$ 19,759

$ 1,018 $ — $ 20,777

$ 6,314

$

842

$ — $

7,156

$

11,971

$ 1,378 $ — $ 13,349

$ 87,389

$ 73,784

$ 68,286

Revenues

Property operating expenses

and real estate taxes

Other Expenses

Net property income 
before depreciation
and amortization

Depreciation and 
amortization

Interest expense

Real estate at cost

Total assets

Expenditures for real 
estate and improvements

Revenues

Total revenues for 

reportable segments

(1,290)

(708)

(129)

—

$ 71,657

$ 24,432

(1,126)

—

$ 23,306

$ 37,883

(15,470)

1,797

(10,436)

932

6,069

—

(1,190)

$ 19,585

(1,340)

(300)

—

—

$ 66,646

$ 23,784

(1,157)

—

$ 22,627

$ 33,285

(17,195)

2,411

(9,896)

1,187

(540)

—

(1,399)

$

7,853

Elimination of intersegment
management fee income

(1,514)

Elimination of intersegment
asset management fee income (1,143)

Elimination of intersegment
service fees and interest income (878)
Elimination of promote fee income (536)
$ 83,318

Total consolidated revenues

Property Operating Expenses 
and Real Estate Taxes

Total property operating 

expenses and real estate 
taxes for reportable 
segments

Elimination of intersegment
management fee expense

Elimination of intersegment
interest expense

$ 25,191

(1,273)

(342)

Total consolidated expenses

$ 23,576

Reconciliation to Net Income

Net property income 
before depreciation 
and amortization

Depreciation and 
amortization

Equity in earnings of 
unconsolidated 
partnerships

Interest expense

Gain on sale of property

Loss from discontinued
operations

Income taxes

Minority interest

Net income

$ 44,360

(16,763)

8,228

(11,423)

—

(941)

(2,140)

(695)

$ 20,626

Acadia Realty Trust 2005 Annual Report

61

Note 4i

Investments in Unconsolidated 
Partnerships

buildings and improvements are being amortized over the

life of the related property.

Acadia Strategic Opportunity Fund, LP (“Fund I”) 
In 2001, the Company formed a joint venture, Fund I, with

Crossroads 
The Company owns a 49% interest in Crossroads Joint Ven-

four of its institutional investors for the purpose of acquiring

real estate assets. The Company is the sole general partner

ture LLC and Crossroads II LLC (collectively, “Crossroads”)

with 22% interest in the joint venture and is also entitled to

which collectively own a 311,000 square foot shopping cen-

a profit participation in excess of its invested capital based

ter in White Plains, New York. The Company accounts for its

on certain investment return thresholds. The Company also

investment in Crossroads using the equity method. Sum-

earns market-rate fees for asset management as well as for

mary financial information of Crossroads and the Company’s

property management, construction and leasing services.

investment in and share of income from Crossroads follows:

Decisions made by the general partner as it relates to pur-

Balance Sheets 

Assets:

Rental property, net

Other assets

Total assets

Liabilities and partners’ equity

Mortgage note payable

Other liabilities

Partners’ equity

Total liabilities and 
partners’ equity

December 31,

2005

2004

chasing, financing and disposition of properties are subject

to the unanimous disapproval of the Advisory Committee,

which is comprised of representatives from each of the four

institutional investors.

$ 6,458

$ 6,939

5,543

6,129

$ 12,001

$ 13,068

$64,000

$64,000

2,359

2,481

(54,358)

(53,413)

As of December 31, 2005, Fund I owns or has an ownership

interest in ten shopping centers and 25 anchor-only super-

market leases comprising 2.7 million square feet. Acquisitions

completed during 2004 and 2003 were as follows:

On March 11, 2004, Fund I, in conjunction with the Company’s

long-time investment partner, Hendon Properties (“Hendon”),

purchased a $9,600 first mortgage loan from New York Life

Insurance Company for $5,500. The loan, which was secured

by the Hitchcock Plaza in Aiken, South Carolina, was in default

$ 12,001

$ 13,068

at acquisition. Fund I and Hendon acquired the loan with the

Company’s investment

$ (10,315)

$ 9,304

intention of pursuing ownership of the property securing the

debt. Fund I provided 90% of the equity capital and Hendon

Years Ended December 31,

provided the remaining 10% of the equity capital used to

2005

2004

2003

acquire the loan. Hendon is entitled to receive profit partici-

Statements of Income

Total revenue

Operating and 

other expenses

Interest expense

Depreciation and 
amortization

Net income

Company’s share of 

net income

Amortization of excess 

investment (see below)

Income from partnerships

$8,772

$8,160

$ 8,324

2,581

3,632

2,707

2,740

2,465

2,542

654

778

570

$1,905

$ 1,935

$ 2,747

pation in excess of its proportionate equity interest. Subse-

quent to the acquisition of the loan, Fund I and Hendon

obtained fee title to this property. The Company provided

$3,150 of mortgage financing to the project in connection

with the purchase of the first mortgage loan. The note

matures March 9, 2006, and bears interest at 7% for the first

year and 6% for the second year. In addition to this loan, the

Company invested approximately $900, primarily its pro rata

share of equity as a partner in Fund I. In September 2004,

Fund I and Hendon purchased the Pine Log Plaza for $1,500.

$ 988

$ 1,112

$ 1,377

The 35,000 square foot center is located in front of and

392

392

392

adjacent to Hitchcock Plaza. Related to this transaction, the

Company provided an additional $750 mortgage loan to the

$ 596

$ 720

$ 985

project with a March 2006 maturity and interest at 7% for

The unamortized excess of the Company’s investment over

its share of the net equity in Crossroads at the date of acqui-

sition was $19,580. The portion of this excess attributable to

the first year and 6% for the second year.

During May 2004, Fund I acquired a 50% interest in Haygood

Shopping Center and Sterling Heights Shopping Center for

Acadia Realty Trust 2005 Annual Report 62

Notes to Consolidated Statements continued

an aggregate investment of $3,184. These assets are part of

the portfolio that the Company currently manages as a result

of its January 2004 acquisition of certain management con-

Balance Sheets 

tracts (note 7).

Assets:

During May 2004, Fund I and an unaffiliated partner, each

Rental property, net

with a 50% interest, acquired a 35,000 square foot shopping

Other assets

center in Tarrytown, New York, for approximately $5,300.

Related to this acquisition, the Company loaned $2,000 to

Fund I which bears interest at the prime rate and matured

May 2005. This loan has been converted to a demand note.

Total assets

Liabilities and partners’ equity

Mortgage note payable

December 31,

2005

2004

$189,188

$187,046

20,835

13,077

$210,023

$200,123

$113,888

$120,188

16,756

79,379

24,060

55,875

$210,023

$200,123

$ 17,072

$ 12,155

Years Ended December 31,

2005

2004

2003

$ 30,605

$26,664

$ 26,008

5,282

5,807

5,017

2,284

6,568

9,166

284

2,106

6,673

8,731

166

207

—

2,171

6,399

8,055

157

—

—

Other liabilities

Partners’ equity

Total liabilities and 
partners’ equity

Company’s investment

Statements of Income

Total revenue

Operating and 

other expenses

Management and 
other fees

Interest expense

Depreciation and 
amortization

Minority interest

Equity in earnings (loss) in 

unconsolidated subsidiary

Provisions for income taxes

(235)

53

Net income

$ 7,203

$ 2,974

$ 4,209

Company’s share of 

net income

$ 2,228

$

1,170

$ 1,426

Acadia Strategic Opportunity Fund II, LLC (“Fund II”) 
In June of 2004, the Company formed a joint venture, Fund

II, with the investors from Fund I as well as two new institu-

tional investors for the purpose of acquiring real estate

assets. The Company is the sole managing member with

20% interest in the joint venture and is also entitled to a

During January 2003, Fund I and an unaffiliated joint venture

party acquired a one million square foot supermarket port-

folio consisting of twenty-five anchor-only leases with either

Kroger or Safeway supermarkets (“Kroger/Safeway Portfolio”).

The portfolio was acquired through long-term ground leases

with terms, including renewal options, averaging in excess 

of 80 years, which are master leased to a non-affiliated

entity. The purchase price of $48,900 (inclusive of closing

and other related acquisition costs) included the assumption

of $34,450 of existing fixed-rate debt which bears interest at

a weighted-average rate of 6.6%. The mortgage debt fully

amortizes through 2009, which is coterminous with the pri-

mary lease term of the supermarket leases. Fund I invested

$11,250 of the equity capitalization of which the Company’s

share was $2,500.

Also during January 2003, Fund I acquired a one million

square foot portfolio for an initial purchase price of $86,287,

inclusive of closing and other related acquisition costs. The

portfolio consists of two shopping centers located in Wilm-

ington, Delaware (“Brandywine Portfolio”). A portion of one

of the properties is currently unoccupied, which Fund I will

pay for on an “earn-out” basis only when it is leased. To date,

Fund I has incurred costs of $30,302 for earn-out space. At

closing, Fund I assumed $38,082 of fixed-rate debt which

bears interest at a weighted-average rate of 6.2% as well 

as obtained an additional fixed-rate loan of $30,000 which

bears interest at 4.7%. Fund I invested equity of $19,270 in

the acquisition, of which the Company’s share was $4,282.

On January 4, 2006, the Company recapitalized the Brandy-

wine Portfolio (note 21).

The Company accounts for its investment in Fund I using

profit participation in excess of its invested capital based 

the equity method. Summary financial information of Fund I

on certain investment return thresholds. The Company also

and the Company’s investment in and share of income from

earns market-rate fees for asset management as well as for

Fund I is as follows:

Acadia Realty Trust 2005 Annual Report

63

property management, construction, legal and leasing serv-

ices. Decisions made by the managing member as it relates

to purchasing, financing and disposition of properties are

subject to the unanimous disapproval of the Advisory 

Committee, which is comprised of representatives from each

with five five-year options at the current rent plus one 15-

of the six institutional investors.

year option at fair market value. The tenant has exercised

On September 29, 2004, in conjunction with an investment

the first five-year option which expires in October 2011.

partner, P/A Associates, LLC (“P/A”), Fund II, through Acadia-

In December 2005, Acadia-P/A acquired a 65,000 square

P/A Holding Company, LLC (“Acadia-P/A”), purchased 400 East

foot parking garage located at 10th Avenue in Manhattan,

Fordham Road in the Bronx, NY for $30,197, inclusive of clos-

New York. The purchase price was $5,310, including closing

ing and other related acquisition costs. The Company had

and other acquisition costs. Concurrent with the closing,

provided a bridge loan of $18,000 to Fund II in connection

Acadia-P/A obtained a $4,900 short term loan which

with this acquisition. Subsequent to the acquisition, Fund II

matures on March 31, 2006 and bears interest at LIBOR 

repaid this loan from the Company with $18,000 of proceeds

plus 125 basis points.

from a new loan from a bank which bears interest at LIBOR

plus 175 basis points and matures November 2007. On Febru-

ary 25, 2005, Acadia-P/A purchased a parcel of land adjacent

to 400 E. Fordham Road for $867, inclusive of closing and

related acquisition costs.

On October 1, 2004, Acadia-P/A entered into a 95-year

ground lease to redevelop a 16-acre site in Pelham Manor,

Westchester County, New York.

On April 6, 2005, Acadia-P/A purchased a 140,000 square

foot building located in the Washington Heights section of

Manhattan, NY. The building was acquired for a purchase

price of $25,000. In September 2005, Acadia-P/A obtained 

a mortgage loan of $19,000 secured by this property which

requires monthly payments of interest only at a fixed inter-

est rate of 5.26% and matures September 2007.

Also in December 2005, Acadia-P/A acquired the remaining

40-year term of a leasehold interest on land located at Lib-

erty Avenue in Queens, New York for $308.

During the year of 2005, Fund II drew down a total of

$24,400 (net of $10,000 of repayments) under an existing

subscription credit facility, which bears interest at LIBOR plus

75 basis points. The line proceeds were utilized for various

acquisitions during the year of 2005.

The Company accounts for its investment in Fund II using

the equity method. Summary financial information of Fund

II and the Company’s investment in and share of income

from Fund II as follows:

During July 2005, Fund II, in conjunction with its partners in

Balance Sheets 

the Retailer Controlled Property Venture, invested $1,000 for

Assets:

a 50% interest in a leasehold located in Rockville, Maryland.

On August 5, 2005, Acadia-P/A purchased 260 East 161st

Rental property, net

Other assets

Street in the Bronx, NY for $49,374, inclusive of closing and

Total assets

other related acquisition costs. Concurrent with the closing,

Acadia-P/A obtained a short term loan of $12,066 which

bears interest at LIBOR plus 150 basis points and matures

March 2006.

On November 3, 2005, Fund II acquired a 36-year ground

lease interest for a 112,000 square foot building located at

Oakbrook Center in the Chicago Metro Area for $6,906,

including closing and other acquisition costs. The term of

the ground lease expires in July 2017 with three 10-year

options. The current tenant’s lease expires in October 2006

Liabilities and partners’ equity

Mortgage notes payable

Other liabilities

Partners’ equity

Total liabilities and 
partners’ equity

December 31,

2005

2004

$ 117,389

$ 29,058

16,662

4,434

$ 134,051

$ 33,492

$ 78,366

$ 18,000

7,717

47,968

321

15,171

$ 134,051

$ 33,492

Company’s investment in Fund II

$ 9,328

$ 2,760

Acadia Realty Trust 2005 Annual Report 64

Notes to Consolidated Statements continued

Period from 
June 15, 2004
Year ended
(inception) to
December 31, December 31,

2005

2004

Statements of Operations

Total revenue

$ 4,685

$ 885

Operating and other expenses

Management and other fees

Interest expense

Depreciation and amortization

Minority interest

Equity in earnings of 

unconsolidated partnership

2,388

4,286

2,124

1,972

(65)

318

935

2,039

262

248

(27)

L.L.C. (“Levitz SL”), the owner of 2.5 million square feet of fee

and leasehold interests in 30 locations (the “Properties”), the

majority of which are currently leased to Levitz Furniture

Stores. Klaff Realty L.P. (“Klaff”) is a managing member of

Levitz SL. The Preferred Equity receives a return of 10%, plus a

minimum return of capital of $2,000 per annum. At the end

of 12 months, the rate of return will be reset to the six-

month LIBOR plus 644 basis points. The Preferred Equity is

redeemable at the option of Levitz SL at any time, although

if redeemed during the first 12 months, the redemption price

is equal to the outstanding amount of the Preferred Equity,

plus the return calculated for the remainder of the 12-month

period. In October 2005, Levitz Furniture filed for bankruptcy

0

under Chapter 11. The Company has a preferred equity

Net loss

Company’s share of 

net loss1

$ (6,338)

$ (2,572)

$ (390)

$

(93)

1The Company’s pro-rata share of net income is before Management
and other fees as these amounts are paid to the Company.

Retailer Controlled Property Venture 
On January 27, 2004, the Company entered into the Retailer

Controlled Property Venture (“RCP Venture”) with Klaff

Realty, L.P. (“Klaff”) and Klaff’s long-time capital partner

Lubert-Adler Management, Inc. for the purpose of making

investments in surplus or underutilized properties owned

by retailers. On September 2, 2004, affiliates of Fund I and

Fund II, through newly-formed limited liability companies,

invested, on a nonrecourse basis, in the acquisition of

Mervyn’s through the RCP Venture, which, as part of an

investment consortium of Sun Capital Partners, Inc. and Cer-

investment of $19,000 at December 31, 2005. Levitz was in

arrears in minimum return of capital by $0.5 million. This

investment was not made based on Levitz remaining as a

tenant, but rather based on the underlying value of the real

estate, which management believes is sufficient to recover

our equity investment and the return attributable thereto.

Accordingly, no reserve is required at December 31, 2005.

Note 5i

Deferred Charges
Deferred charges consist of the following as of 

December 31, 2005 and 2004:

December 31,

2005

2004

Deferred financing costs

$ 6,537

$ 7,263

berus Capital Management L.P., acquired Mervyn’s from Tar-

Deferred leasing and other costs

get Corporation. The total acquisition price was $1,175,000,

with such affiliates’ combined $23,520 share of the invest-

ment divided equally between them. The Company’s share

of the acquisition totaled $4,965. During the year ended

December 31, 2005, affiliates of Funds I and II contributed an

Accumulated amortization

20,815

16,889

27,352

24,152

(11,472)

(11,528)

$15,880

$ 12,624

additional total of $1,040 into the Mervyn’s investment, of

Note 6i

which the Company’s share was $220. During the year ended

December 31, 2005, the Company recognized $5,793 of

income from the Mervyn’s investment representing its share

of net income from this investment. In addition, the Com-

pany recognized $979 as a result of its 20% carried interest

in the Mervyn’s investment, which is included in Manage-

ment Fee Income in the Consolidated Statements of Income.

Preferred Equity Investment
In March of 2005, the Company invested $20,000 in a pre-

ferred equity position (“Preferred Equity”) with Levitz SL,

Mortgage Loans 
At December 31, 2005, mortgage notes payable aggregated

$238,448 and were collateralized by 20 properties and related

tenant leases. Interest rates ranged from 5.0% to 7.6%. Mort-

gage payments are due in monthly installments of principal

and/or interest and mature on various dates through 2016.

Certain loans are cross-collateralized and cross-defaulted.

The loan agreements contain customary representations,

covenants and events of default. Certain loan agreements

require the Company to comply with certain affirmative and

Acadia Realty Trust 2005 Annual Report

65

negative covenants, including the maintenance of certain

On August 31, 2005, the company closed on a $17,600 loan,

debt service coverage and leverage ratios.

which bears interest at a fixed rate of 4.98%. This loan, which

On February 25, 2005, the Company drew down $20,000 under

an existing revolving facility, which bears interest at LIBOR plus

150 basis points. The proceeds from this drawdown were uti-

lized for the Preferred Equity investment (Note 4).

During April 2005, the company borrowed $7,400 under an

existing secured revolving facility.

matures September 2015, requires the payment of interest

only until October 2010, and thereafter interest and principal

based on 30-year amortization. The proceeds from this loan

were in part used to pay down $15,000 on an existing line.

On October 17, 2005, the Company closed on a $12,500 loan,

which bears interest at a fixed rate of 5.12%. This loan, which

matures November 2015, requires the payment of interest

On May 26, 2005, the Company closed on a $65,000 cross-

only until November 2008, and thereafter interest and prin-

collateralized revolving facility which is collateralized by five

cipal until maturity. The proceeds from this loan were in part

of the Company’s properties. The facility bears interest at

used to pay down $10,000 on the aforementioned $65,000

LIBOR plus 130 basis points and matures June 1, 2010. At

revolving facility.

closing, the lender advanced $12,000, of which $7,400 was

used to refinance an existing facility with the same lender.

On June 27, 2005, an additional $20,000 was drawn on this

line. On October 21, 2005, $10,000 was repaid on this line

resulting in $22,000 outstanding under this facility as of

December 31, 2005.

On December 9, 2005, the Company closed on a $34,600

loan, which bears interest at a fixed rate of 5.53%. This loan,

which matures January 2016, requires the payment of inter-

est only until January 2010, and thereafter interest and prin-

cipal until maturity.

Acadia Realty Trust 2005 Annual Report 66

Notes to Consolidated Statements continued

The following table summarizes the Company’s mortgage indebtedness (exclusive of mortgage debt of discontinued opera-

tions) as of December 31, 2005 and 2004:

DECEMBER 31,

2005

2004

Interest Rate at

December 31, 2005

Properties

Monthly

Maturity

Encumbered

Payment Terms

Mortgage notes payable – variable-rate

Washington Mutual Bank, FA

Bank of America, NA  

Bank of America, NA  

Bank of America, NA  

Bank of America, NA  

Interest Rate Swaps

Total variable-rate debt

Mortgage notes payable – fixed-rate 

Bank of America, NA  

RBS Greenwich Capital 

RBS Greenwich Capital 
SunAmerica Life Insurance Company 

RBS Greenwich Capital

RBS Greenwich Capital

Bear Stearns Commercial Mortgage, Inc.

Fleet National Bank — Interest Rate

Interest Rate Swaps

Total fixed-rate debt

Notes:

(1)  Bradford Towne Centre 

Ledgewood Mall 

(2)  Branch Shopping Center 
Abington Towne Center 
Methuen Shopping Center 

$ 29,131

$ 29,900

5.89% (LIBOR + 1.50%)

44,485

10,082 

8,338 

22,000

44,485

5.79% (LIBOR + 1.40%) 

10,252 

5.79% (LIBOR + 1.40%) 

8,473 

5.79% (LIBOR + 1.40%) 

— 

5.69% (LIBOR + 1.30%) 

04/01/11

06/29/12

06/29/12

12/01/08

06/01/10

(92,376)

(86,156)

21,660 

6,954 

15,882

15,000 

15,894 

12,936

17,600

12,500

34,600

16,062 

7.55%

15,000

5.64%

16,000 

5.19%

13,189  6.46%

—  6.46%

—  6.46%

—  6.46%

92,376

86,156

5.77%

216,788

146,407

$238,448

$ 153,361

01/01/11 

09/06/14 

06/01/13 

07/01/07 

09/06/15 

11/06/15 

01/01/16 

(16)

(1)

(2)

(3)

(4)

(5)

(6) 

(7) 

(8) 

(9) 

(10) 

(11) 

(12) 

(13)

(14)

(13)

(13)

(17)

(13)

(12)

(15)

(13)

(13)

(18)

(19)

(6) GHT Apartments/Colony

(17)  Interest only monthly 

(7) New Loudon Center

(18)  Interest only until 11/08; monthly principal

(8) 239 Greenwich Avenue

(9)  Merrillville Plaza 

and interest thereafter

(19) Interest only until 1/10; monthly principal

and interest thereafter

(3)  Smithtown Shopping Center 

(10)  Crescent Plaza

(4)  Soundview Marketplace; there is additional

(11)  Pacesetter Park Shopping Plaza 

capacity of $5,000 on this facility

(5)  Bloomfield Town Square 

Walnut Hill Plaza
Hobson West Plaza 
Marketplace of Absecon
Village Apartments 
There is additional capacity of $43,000 on
this facility

(12) Elmwood Park Shopping Center

(13) Monthly principal and interest

(14)  Annual principal and monthly interest

(15)  Interest only until 5/05; monthly principal

and interest thereafter

(16)  Maturing between 10/1/06 and 1/1/11 

Acadia Realty Trust 2005 Annual Report

67

The scheduled principal repayments of all mortgage indebt-

Shares. The repurchased shares are reflected as a reduction

edness as of December 31, 2005 are as follows:

of par value and additional paid-in capital.

2006

2007

2008

2009

2010

Thereafter

$ 2,141

16,383

12,447

5,328

38,445

163,704

$238,448

Note 7i

Shareholders’ Equity and 
Minority Interests

Minority Interests 
Minority interest in the Operating Partnership represents (i)

the limited partners’ interest of 653,360 and 392,255 Common

OP Units at December 31, 2005 and 2004, respectively, (ii)

884 and 1,580 Series A Preferred OP Units at December 31,

2005 and 2004, respectively, with a nominal value of $1,000

per unit, which are entitled to a preferred quarterly distribu-

tion of the greater of (a) $22.50 per unit (9% annually) per

Series A Preferred OP Unit or (b) the quarterly distribution

attributable to a Series A Preferred OP Unit if such unit were

converted into a Common OP Unit, and (iii) 4,000 Series B

Preferred OP Units at both December 31, 2005 and 2004 with

Common Shares
In March of 2004, a secondary public offering was completed

a nominal value of $1,000 per unit, which are entitled to a

preferred quarterly distribution of the greater of (a) $13.00

for a total of 5,750,000 Common Shares. The selling share-

(5.2% annually) per unit or (b) the quarterly distribution

holders, Yale University and its affiliates (“Yale”) and Ross

attributable to a Series B Preferred OP Unit if such unit were

Dworman, a former trustee, sold 4,191,386 and 1,558,614

converted into a Common OP Unit. Minority interests in

Common Shares, respectively. The Company did not sell any

majority-owned partnerships represent third-party interests

Common Shares in the offering and did not receive any pro-

in three partnerships in which the Company has a majority

ceeds from the offering.

ownership position.

During November 2004, the Company issued 1,890,000

During July 2005, the Company issued to a third party 11,105

Common Shares (the “Offering”). The $28,312 in proceeds

Restricted Common OP Units valued at $18.01 per unit in

from the Offering, net of related costs, was used to retire

connection with the purchase of 4343 Amboy Road. The

above-market, fixed-rate indebtedness as well as to invest

holder of the Common OP Units was restricted from selling

in real estate assets. Yale and Kenneth F. Bernstein, the 

these for six months from the date of the transaction.

Company’s Chief Executive Officer, also sold 1,000,000, and

110,000 Common Shares, respectively, in connection with

this transaction. Mr. Bernstein sold 110,000 Common Shares

in connection with his exercise of options to purchase

150,000 Common Shares.

In February 2005, the Company issued $4,000 (250,000

Restricted Common OP Units valued at $16.00 each) of

Restricted Common OP Units to Klaff in consideration for

the 25% balance of certain management contract rights as

well as the rights to 25% of certain potential future revenue

In October 2005, the Board of Trustees approved a resolution

streams. This followed the acquisition of 75% of the man-

permitting one of its institutional shareholders, which at the

agement contract rights and 75% of certain potential future

time owned approximately 3.8% of the Company’s outstand-

revenue streams from Klaff in January 2004 as reflected

ing Common Shares, to acquire additional shares through

below. The Restricted Common OP Units are convertible into

open market purchases. This waiver of the Company’s share

the Company’s Common Shares on a one-for-one basis after

ownership limitation permitted this shareholder to acquire

a five-year lock-up period. $1,116 of the purchase price was

up to an additional 6% of the Company’s shares through

allocated to investment in management contracts in the

December 31, 2005, or an aggregate of up to 9.8% of the

consolidated balance sheet and is being amortized over the

Company’s Common Shares.

Through December 31, 2005, the Company had repurchased

2,051,605 Common Shares at a total cost of $11,650 (of which

2,009,509 of these Common Shares have been subsequently

estimated remaining life of the contracts. The remainder of

the purchase price has been allocated to deferred charges 

in the consolidated balance sheet and will be allocated to

future revenue streams as identified.

reissued) under its share repurchase program that allows for

During 2005 and 2004, various limited partners converted a

the repurchase of up to $20,000 of its outstanding Common

total of 746,762 and 2,058,804 Common OP Units into Com-

mon Shares on a one-for-one basis, respectively. Mr. Dworman,

Acadia Realty Trust 2005 Annual Report 68

Notes to Consolidated Statements continued

a trustee of the Company, received 34,841 of Common OP

The Company also earns fees in connection with its rights

Units through various affiliated entities during 2003 (Note 8).

to provide asset management, leasing, disposition, develop-

The Series A Preferred OP Units were issued on November 16,

1999 in connection with the acquisition of all the partnership

interests of the limited partnership which owns the Pace-

setter Park Shopping Center. Certain Series A Preferred OP

Unit holders converted 696 Series A Preferred OP Units into

92,800 Common OP Units and then into Common Shares

during 2005. The Series A Preferred OP Units are currently

convertible into Common OP Units based on the stated

ment and construction services for an existing portfolio of

retail properties and/or leasehold interests in which Klaff, a

preferred OP unit holder, has an interest. Net fees earned by

the Company in connection with this portfolio were $3,602

and $885 for the years ended December 31, 2005 and 2004,

respectively. These amounts are net of the payment of sub-

management fees to Klaff of $303 and $1,591 for the years

ended December 31, 2005 and 2004, respectively.

value divided by $7.50. After the seventh anniversary follow-

The Company managed one property in which a major

ing their issuance, either the Company or the holders can

shareholder of the Company had an ownership interest

call for the conversion of the Series A Preferred OP Units at

and earned a management fee of 3% of tenant collections.

the lesser of $7.50 or the market price of the Common

Management fees earned by the Company under this con-

Shares as of the conversion date.

tract aggregated $142 for the year ended December 31, 2004.

The Series B Preferred OP Units were issued to Klaff Realty LP

(“Klaff”) in January 2004 in consideration for the acquisition

of certain management contract rights. The Preferred OP Units

are convertible into Common OP Units based on the stated

value of $1,000 divided by $12.82 at any time. Additionally,

In addition, the Company earned leasing commission of 

$157 related to this property for the year ended December 31,

2004. In connection with the sale of the property on July 12,

2004, the management contract was terminated and the

Company earned a $75 disposition fee.

Klaff may redeem them at par for either cash or Common

Lee Wielansky, the Lead Trustee of the Company, was paid 

OP Units after the earlier of the third anniversary of their

a consulting fee of $100 for both years ended December 31,

issuance, or the occurrence of certain events including a

2005 and 2004.

change in the control of the Company. Finally, after the fifth

anniversary of the issuance, the Company may redeem the

Preferred OP Units and convert them into Common OP Units

at market value as of the redemption date.

Note 8i

Related Party Transactions
In February 2005, the Company issued $4,000 of Restricted

Common OP Units to Klaff for the balance of certain man-

agement contract rights as well as the rights to certain

potential future revenue streams (Note 7).

On March 19, 2004, Ross Dworman, a former trustee of the

Company, and certain entities controlled by Mr. Dworman

converted 1,000,000 share options and 548,614 OP Units

held by them in connection with a secondary public offering.

Included in the Common OP Units converted to Common

Shares during 2003 were 2,300 Common OP Units converted

by Mr. Dworman who then transferred them to a charitable

foundation in accordance with a pre-existing arrangement.

During the year ended December 31, 2004, Kenneth F. Bern-

stein, President and Chief Executive Officer, and certain

trustees of the Company exercised 400,000 and 20,000

In March 2005, the Company completed a $20,000 Preferred

options to purchase Common Shares, respectively.

Equity Investment with Levitz SL, of which Klaff, a common

and preferred OP unit holder, is the managing member.

Note 9i

The Company earns certain management and service fees 

in connection with its investment in Fund I and Fund II

Tenant Leases
Space in the shopping centers and other retail properties is

(Note 4). Such fees earned by the Company aggregated

leased to various tenants under operating leases that usu-

$7,890, $3,504 and $1,689 for the years ended December 31,

ally grant tenants renewal options and generally provide for

2005, 2004 and 2003, respectively.

additional rents based on certain operating expenses as well

as tenants’ sales volume.

69

Acadia Realty Trust 2005 Annual Report

Minimum future rentals to be received under non-can-

from time to time on a fully diluted basis. However, not more

cellable leases for shopping centers and other retail proper-

than 4,000,000 of the Common Shares in the aggregate

ties as of December 31, 2005 are summarized as follows:

may be issued pursuant to the exercise of options and no

2006
2007
2008
2009
2010

Thereafter

$ 46,281
43,456
38,619
34,344
29,229
184,869
$ 376,798

participant may receive more than 5,000,000 Common Shares

during the term of the 1999 Plan. Options are granted by 

the Share Option Plan Committee (the “Committee”), which

currently consists of two non-employee Trustees, and will

not have an exercise price less than 100% of the fair market

value of the Common Shares and a term of greater than 10

years at the grant date. Vesting of options is at the discretion

Minimum future rentals above include a total of $4,108 for

of the Committee with the exception of options granted 

three tenants (with four leases), which have filed for bank-

to non-employee Trustees, which vest in five equal annual

ruptcy protection. None of these leases have been rejected

installments beginning on the date of grant.

nor affirmed. During the years ended December 31, 2005,

2004 and 2003, no single tenant collectively accounted for

more than 10% of the Company’s total revenues.

Note 10i

Lease Obligations
The Company leases land at five of its shopping centers,

The 1999 Plan also provides for the granting of share appre-

ciation rights, restricted shares and performance units/shares.

Share appreciation rights provide for the participant to receive,

upon exercise, cash and/or Common Shares, at the discretion

of the committee, equal to the excess of the market value

of the Common Shares at the exercise date over the market

value of the Common Shares at the Grant Date. The Commit-

which are accounted for as operating leases and generally

tee will determine the award and restrictions placed on

provide the Company with renewal options. Ground rent

restricted shares, including the dividends thereon and the

expense was $796, $791 and $780 for the years ended

term of such restrictions. The Committee also determines

December 31, 2005, 2004 and 2003, respectively. The leases

the award and vesting of performance units and performance

terminate during during 2008 to 2066. Three of these leases

shares based on the attainment of specified performance

provides the Company with options to renew for additional

objectives of the Company within a specified performance

terms aggregating from 20 to 44 years. The Company leases

period. Through December 31, 2005, no share appreciation

space for its White Plains corporate office for a term expiring

rights or performance units/shares have been awarded.

in 2010. Office rent expense under this lease was $412, $239

and $242 for the years ended December 31, 2005, 2004 and

2003, respectively. Future minimum rental payments

required for leases having remaining non-cancelable lease

terms are as follows:

2006
2007
2008
2009
2010

Thereafter

Note 11i

$ 1,792
1,848
1,930
1,939
1,731
28,974

$38,214

Share Incentive Plan 
During 1999, the Company adopted the 1999 Share Incentive

Plan (the “1999 Plan”), which replaced both the 1994 Share

Option Plan and the 1994 Non-Employee Trustees’ Share

Option Plan. The 1999 Plan authorizes the issuance of options

equal to up to 8% of the total Common Shares outstanding

During 2003, the Company adopted the 2003 Share Incen-

tive Plan (the “2003 Plan”) because no Common Shares

remained available for future grants under the 1999 Plan.

The 2003 Plan provides for the granting of options, share

appreciation rights, restricted shares and performance units

(collectively, “Awards”) to officers, employees and trustees of

the Company and consultants to the Company. The 2003

Plan is generally identical to the 1999 Plan, except that the

maximum number of Common Shares that the Company

may issue pursuant to the 2003 Plan is four percent of the

Common Shares outstanding from time to time on a fully

diluted basis. However, no participant may receive more than

1,000,000 Common Shares during the term of the 2003 Plan

with respect to Awards. Pursuant to the 2003 Plan, non-

employee Trustees receive an automatic grant of 3,000

options following each Annual Meeting of Shareholders.

As of December 31, 2005, the Company has 437,242 options

outstanding to officers and employees. These fully vested

options are for 10-year terms from the grant date and vested

Acadia Realty Trust 2005 Annual Report 70

Notes to Consolidated Statements continued

in three equal annual installments which began on the grant

For the years ended December 31, 2005, 2004 and 2003, $1,029,

date. In addition, 40,000 options have been issued to non-

$764 and $410, respectively, were recognized in compensa-

employee Trustees of which 13,400 options were vested as

tion expense related to Restricted Share grants. Unearned

of December 31, 2005.

compensation of $3,541 as of December 31, 2005 will be rec-

During 2005, the Company issued a total of 109,826 restricted

ognized in expense as such shares vest.

Common Shares (“Restricted Shares”) to executive officers

Effective January 1, 2002, the Company adopted the fair

(“Officers”) and 23,642 Restricted Shares (net of subsequent

value method of recording stock-based compensation 

forfeitures) to certain employees (“Employees”) of the Com-

contained in SFAS No. 123, “Accounting for Stock-Based Com-

pany. In general, the Restricted Shares carry all the rights of

pensation.” As such, stock-based compensation awards are

Common Shares including voting and dividend rights, but

expensed over the vesting period based on the fair value at

may not be transferred, assigned or pledged until the Recipi-

the date the stock-based compensation was granted.

ents have a vested non-forfeitable right to such shares. Vest-

ing with respect to the Restricted Shares issued to Officers,

which is subject to the recipients’ continued employment

with the Company through the applicable vesting dates, is

ratably over four years commencing on the first anniversary

of the Grant Date and each of the next three anniversaries

thereafter. In addition, vesting on 50% of these Restricted

Shares is also subject to certain total shareholder returns

on the Company’s Common Shares. Vesting with respect to

the Restricted Shares issued to Employees, which is subject

to the Recipients’ continued employment with the Company

through the applicable vesting dates, is ratably over five years

commencing on the Grant Date and each of the next four

anniversaries thereafter. In addition, vesting on 25% of these

Restricted Shares is also subject to certain total shareholder

returns on the Company’s Common Shares.

The Company has used the Binomial method for 2005 and

the Black-Scholes option-pricing model in previous years for

purposes of estimating the fair value in determining com-

pensation expense for options granted for the years ended

December 31, 2005, 2004 and 2003. The Company has also

used this model for the pro forma information regarding net

income and earnings per share as required by SFAS No. 123

for options issued for the year ended December 31, 2001, as if

the Company had also accounted for these employee stock

options under the fair value method. The fair value for the

options issued by the Company was estimated at the date of

the grant using the following weighted-average assumptions

resulting in:

Years Ended December 31,

2005

2004

2003

4.0%

4.0%

4.2%

4.2%

4.4%

5.8%

7.5 yrs.

7.5 yrs.

10.0 yrs.

The total value of the above Restricted Share awards on the

date of grant was $2,179 which will be recognized in compen-

Risk-free interest rate

sation expense over the vesting period.

For the year ended December 31, 2004, 126,853 Restricted

Dividend yield

Expected life

Shares (net of forfeitures) were issued pursuant to the 2003

Expected volatility

18.0%

18.0%

18.0%

Plan. The total value of the Restricted Share awards on the

date of grant was $1,586 which will be recognized in expense

over the vesting period. No awards of share appreciation

rights or performance units/shares were granted for the

years ended December 31, 2005, 2004 and 2003.

Fair value at date of grant

(per option)

$ 2.57

$ 2.17

$0.82

Acadia Realty Trust 2005 Annual Report

71

Changes in the number of shares under all option arrangements are summarized as follows:

Outstanding at beginning of year

Granted

Option price per share granted

Cancelled

Exercisable at end of period

Settled1

Exercised

Expired

Outstanding at end of year

Option prices per share outstanding

Years Ended December 31,

2005

464,650

69,296

$16.35

—

437,242

—

56,704

—

477,242

2004

2,095,150

19,000

$12.55–$14.13

—

446,850

39,500

1,610,000

—
464,650

2003

2,472,400

8,000

$9.11-$11.66

—

2,082,750

385,000

250

—
2,095,150

$5.75–$16.35

$5.75–$14.13

$4.89–$11.66

1Pursuant to the 1999 Plan these options were settled and did not result in the issuance of any additional Common Shares.

As of December 31, 2005, the outstanding options had a weighted average exercise price of $6.61 and a weighted average

remaining contractual life of approximately 5.4 years.

Note 12i

Employee Stock Purchase and 
Deferred Share Plan 
In 2003, the Company adopted the Acadia Realty Trust

Employee Stock Purchase Plan (the “Purchase Plan”), which

allows eligible employees of the Company to purchase Com-

mon Shares through payroll deductions. The Purchase Plan

provides for employees to purchase Common Shares on a

quarterly basis at a 15% discount to the closing price of the

Company’s Common Shares on either the first day or the

last day of the quarter, whichever is lower. The amount of

the payroll deductions will not exceed a percentage of the

participant’s annual compensation that the Committee

establishes from time to time, and a participant may not

purchase more than 1,000 Common Shares per quarter.

Compensation expense will be recognized by the Company

date. The Share Units are equivalent to a Common Share 

on a one-for-one basis and carry a dividend equivalent right

equal to the dividend rate for the Company’s Common shares.

The deferral period is determined by each of the participants

and generally terminates after the cessation of the partici-

pant’s continuous service with the Company, as defined in the

agreement. In December 2004, optionees exercised 346,000

options pursuant to the Deferred Share Election and tendered

155,513 Common Shares in consideration of the option exercise

price. In 2004 the Company issued 155,513 Common Shares to

optionees and 190,487 Share Units. During 2005 there were no

additional Shared Units contributed to the plan.

Note 13i

Employee 401(k) Plan 
The Company maintains a 401(k) plan for employees under

to the extent of the above discount to the average closing

which the Company currently matches 50% of a plan partici-

price of the Common Shares with respect to the applicable

pant’s contribution up to 6% of the employee’s annual salary.

quarter. During 2005, 2004 and 2003, 6,412, 6,397 and 810

A plan participant may contribute up to a maximum of 15%

Common Shares, respectively, were purchased by Employees

of their compensation but not in excess of $14 for the year

under the Purchase Plan and the associated compensation

ended December 31, 2005. The Company contributed $128,

expense was $16, $15 and $1 respectively.

$109, and $110 for the years ended December 31, 2005, 2004

In August of 2004, the Company adopted a Deferral and 

Distribution Election pursuant to the 1999 Share Incentive

Plan and 2003 Share Incentive Plan, whereby the participants

elected to defer receipt of 190,487 Common Shares (“Share

Units”) that would otherwise be issued upon the exercise of

certain options. The payment of the option exercise price was

made by tendering Common Shares that the participants

owned for at least six months prior to the option exercise

and 2003, respectively.

Note 14i

Dividends and Distributions Payable 
On November 8, 2005, the Company declared a cash divi-

dend for the quarter ended December 31, 2005 of $0.185 per

Common Share. The dividend was paid on January 13, 2006

to shareholders of record as of December 31, 2005.

Acadia Realty Trust 2005 Annual Report 72

Notes to Consolidated Statements continued

Note 15i

Federal Income Taxes 
The Company has elected to qualify as a REIT in accordance

with the Internal Revenue Code (the “Code”) and intends at

all times to qualify as a REIT under Sections 856 through

860 of the Internal Revenue Code of 1986, as amended. To

qualify as a REIT, the Company must meet a number of orga-

nizational and operational requirements, including a require-

ment that it currently distribute at least 90% of its annual

REIT taxable income to its shareholders. As a REIT, the Com-

pany generally will not be subject to corporate Federal income

tax, provided that distributions to its shareholders equal at

least the amount of its REIT taxable income as defined under

the Code. As the Company distributed sufficient taxable

income for the years ended December 31, 2005,2004 and

2003 no U.S. Federal income or excise taxes were incurred.

If the Company fails to qualify as a REIT in any taxable year,

it will be subject to Federal income taxes at the regular cor-

porate rates (including any applicable alternative minimum

tax) and may not be able to qualify as a REIT for the four

subsequent taxable years. Even though the Company quali-

fies for taxation as a REIT, the Company is subject to certain

state and local taxes on its income and property and Federal

income and excise taxes on any undistributed taxable income.

In addition, taxable income from non-REIT activities managed

through the Company’s TRS’s are subject to Federal, state and

local income taxes.

The primary difference between the GAAP and tax reported

amounts of the Company’s assets and liabilities is a higher

GAAP basis in its real estate properties. This is primarily the

result of assets acquired as a result of property contributions

in exchange for OP Units .

Reconciliation between GAAP Net Income and Federal Taxable Income
The following table reconciles GAAP net income to taxable income for the years ended December 31, 2005, 2004 and 2003:

GAAP net Income

Less: GAAP net income of TRS

2005

(estimated)
$20,626
1,349

GAAP net income from REIT operations1

Book/tax difference in depreciation and amortization

Book/tax difference on exercise of options 

to purchase Common Shares

Book/tax difference on capital transactions

Other book/tax differences, net

19,277

5,163

(26)

(50)

(748)

2004

(actual)

$19,585
—

19,585

3,438

(8,970)

(1,354)

1,953

2003

(Actual)

$7,853

—

7,853

3,828

—

—

(326)

REIT taxable income before dividends paid deduction
1All adjustments to GAAP net income from REIT operations are net of amounts attributable to minority interest and TRS.

$14,652

$23,616

$11,355

Characterization of Distributions:
The Company has determined that the cash distributed to

Taxable REIT Subsidiaries (“TRS”)
Income taxes have been provided for on the asset and liabil-

the shareholders is characterized as follows for Federal

ity method as required by SFAS No. 109. The Company’s TRS

income tax purposes:

Ordinary income

Section 1250 gain

Return of capital

Years Ended December 31,

2005

95%

3%

2%

2004

59%

32%

9%

2003

100%

—

—

100%

100%

100%

income and provision for income taxes for the year ended

December 31, 2005 is summarized as follows:

TRS income before income taxes 

Less provision for income taxes:

Federal 

State and Local

Total provision for income taxes

GAAP net income TRS

2005

(Estimated) 
$ 3,458

1,601

508

2,109

$ 1,349

Acadia Realty Trust 2005 Annual Report

73

The Company has provided a full valuation allowance against

mortgage notes payable are $235,297 and $153,612, respectively,

its deferred tax asset of $247 due to the current uncertainty

by discounting future cash payments utilizing a discount rate

of its realization and as such is not included in the accompa-

equivalent to the rate at which similar mortgage notes payable

nying Consolidated Balance Sheets at December 31, 2005.

would be originated under conditions then existing.

This deferred tax asset relates primarily to the differences in

the timing of the recognition of income/(deductions) and

gain/(loss) between the GAAP and tax basis of accounting

for (i) real estate joint ventures activities, (ii) capital transac-

tions and (iii) other deductible temporary differences.

The income tax provision differs from the amount computed

by applying the statutory federal income tax rate to taxable

income before income taxes as follows:

2005

$ 1,210

330

476

208

(115)

31

$ 2,140

Federal provision at statutory tax rate (35%) 

State and local taxes, net of federal benefit

Tax effect of:

Permanent differences

Valuation allowance against
deferred tax asset

Utilization of loss and deduction 
carry forwards

Other

Total provision for income taxes

Note 16i

Financial Instruments 

Fair Value of Financial Instruments:
SFAS No. 107, “Disclosures About Fair Value of Financial

Instruments” requires disclosure on the fair value of financial

instruments. Certain of the Company’s assets and liabilities

are considered financial instruments. Fair value estimates,

methods and assumptions are set forth below.

Cash and Cash Equivalents, Restricted Cash, Cash in Escrow,

Rents Receivable, Notes Receivable, Prepaid Expenses, Other

Assets, Accounts Payable and Accrued Expenses, Dividends

and Distributions Payable, Due to Related Parties and Other

Liabilities. The carrying amount of these assets and liabilities

approximates fair value due to the short-term nature of

such accounts.

Derivative Instruments: The fair value of these instruments 
is based upon the estimated amounts the Company would

receive or pay to terminate the contracts as of December 31,

2005 and 2004 and is determined using interest rate market

pricing models.

Mortgage Notes Payable: As of December 31, 2005 and 2004,
the Company has determined the estimated fair value of its

Derivative Financial Instruments:
SFAS No. 133, “Accounting for Derivative Instruments and

Hedging Activities,” as amended and interpreted, establishes

accounting and reporting standards for derivative instruments,

including certain derivative instruments embedded in other

contracts, and for hedging activities. As required by SFAS 133,

the Company records all derivatives on the balance sheet at

fair value. The accounting for changes in the fair value of

derivatives depends on the intended use of the derivative

and the resulting designation. Derivatives used to hedge the

exposure to changes in the fair value of an asset, liability, or

firm commitment attributable to a particular risk, such as

interest rate risk, are considered fair value hedges. Derivatives

used to hedge the exposure to variability in expected future

cash flows, or other types of forecasted transactions, are

considered cash flow hedges.

For derivatives designated as fair value hedges, changes in

the fair value of the derivative and the hedged item related

to the hedged risk are recognized in earnings. For derivatives

designated as cash flow hedges, the effective portion of

changes in the fair value of the derivative is initially reported

in other comprehensive income (outside of earnings) and

subsequently reclassified to earnings when the hedged

transaction affects earnings, and the ineffective portion 

of changes in the fair value of the derivative is recognized

directly in earnings. The Company assesses the effectiveness

of each hedging relationship by comparing the changes in

fair value or cash flows of the derivative hedging instrument

with the changes in fair value or cash flows of the designated

hedged item or transaction. For derivatives not designated

as hedges, changes in fair value are recognized in earnings.

As of December 31, 2005 and 2004, no derivatives were 

designated as fair value hedges or hedges of net invest-

ments in foreign operations. Additionally, the Company 

does not use derivatives for trading or speculative purposes

and currently does not have any derivatives that are not

designated as hedges.

The following table summarizes the notional values and fair

values of the Company’s derivative financial instruments as

of December 31, 2005. The notional value does not represent

exposure to credit, interest rate or market risks:

Acadia Realty Trust 2005 Annual Report 74

Notes to Consolidated Statements continued

Hedge
Type

LIBOR Swap
LIBOR Swap 
LIBOR Swap 
LIBOR Swap 
LIBOR Swap 
LIBOR Swap 

Interest rate swap receivable

LIBOR Swap
LIBOR Swap

Interest rate swap liability

Notional
Value

$ 36,778
20,000
15,149
11,719
8,730
4,640

Rate

4.35%
4.53%
4.32%
4.11%
4.47%
4.71%

Forward
Interest
Start Date Maturity

N/A
N/A
N/A
N/A
N/A
10/2/06

1/1/11
10/1/06
1/1/07
1/1/07
1/1/07
1/1/10

$ 11,410
8,434

4.90%
5.14%

10/2/06
6/1/07

10/1/11
3/1/12

Fair 
Value

$ 615
24
62
72
31
5

$ 809

$ (59)
(121)

$ (180)

As of December 31, 2005, the derivative instruments were

The Company’s interest rate hedges are designated as cash

reported at fair value as reflected above. The interest rate

flow hedges and hedge the future cash outflows on mort-

swap receivable is included in Other Assets in the Consoli-

gage debt. Interest rate swaps that convert variable payments

dated Balance Sheets. As of December 31, 2004, the deriva-

to fixed payments, such as those held by the Company, as

tive instruments were reported at fair value as a derivative

well as interest rate caps, floors, collars, and forwards are cash

instrument liability of $2,136. As of December 31, 2005 and

flow hedges. The unrealized gains and losses in the fair value

2004, unrealized losses totaling $12 and $3,219, respectively,

of these hedges are reported on the balance sheet with a

represented the fair value of the aforementioned derivatives,

corresponding adjustment to either accumulated other

of which $12 and $3,180, respectively, were reflected in accu-

comprehensive income or earnings depending on the type

mulated other comprehensive loss, and $0 and $39, respec-

of hedging relationship. For cash flow hedges, offsetting gains

tively, as a reduction of minority interest in the Operating

and losses are reported in accumulated other comprehensive

Partnership. For the years ended December 31, 2004 and

income. Over time, the unrealized gains and losses held in

2003, the Company recorded in interest expense an unreal-

accumulated other comprehensive income will be reclassified

ized loss of $37 and unrealized gain of $51, respectively, due

to earnings. This reclassification occurs over the same time

to partial ineffectiveness on one of the swaps which was

period in which the hedged items affect earnings.

terminated in November 2004. The ineffectiveness resulted

from differences between the derivative notional and the

principal amount of the hedged variable rate debt.

Acadia Realty Trust 2005 Annual Report

75

Note 17i

Earnings Per Common Share
Basic earnings per share was determined by dividing the

applicable net income to common shareholders for the year

by the weighted average number of Common Shares out-

standing during each year consistent with SFAS No. 128.

Diluted earnings per share reflects the potential dilution

that could occur if securities or other contracts to issue

Common Shares were exercised or converted into Common

Shares or resulted in the issuance of Common Shares that

then shared in the earnings of the Company. The following

table sets forth the computation of basic and diluted 

earnings per share from continuing operations for the 

periods indicated:

Numerator:

Income from continuing operations — basic earnings per share 

$21,567 

$ 13,516 

$ 8,393 

Years Ended December 31,

2005

2004

2003

Effect of dilutive securities:

Preferred OP Unit distributions 

Numerator for diluted earnings per share 

Denominator:

—

21,567

—

13,516 

—

8,393

Weighted average shares — basic earnings per share 

31,949

29,341 

26,640

Effect of dilutive securities:

Employee stock options 

Dilutive potential Common Shares 

265

265

571 

571 

592 

592 

Denominator for diluted earnings per share 

32,214

29,912 

27,232 

Basic earnings per share from continuing operations 

$ 0.68

$ 0.46

$ 0.32

Diluted earnings per share from continuing operations 

$ 0.67 

$ 0.45

$ 0.31 

The weighted average shares used in the computation of

basis. The income allocable to such units is allocated on this

basic earnings per share include unvested restricted shares

same basis and reflected as minority interest in the accom-

(Note 11) and Share Units (Note 12) that are entitled to receive

panying consolidated financial statements. As such, the

dividend equivalent payments. The effect of the conversion

assumed conversion of these units would have no net impact

of Common OP Units is not reflected in the above table as

on the determination of diluted earnings per share.

they are exchangeable for Common Shares on a one-for-one

Acadia Realty Trust 2005 Annual Report 76

Notes to Consolidated Statements continued

Note 18i

Summary of Quarterly Financial Information (unaudited) 

The quarterly results of operations of the Company for the years ended December 31, 2005 and 2004 are as follows:

Revenue

Income from continuing operations

Income (loss) from discontinued operations

Net income

Net income per Common Share — basic:
Income from continuing operations
Income (loss) from discontinued operations

Net income

Net income per Common Share — diluted:
Income from continuing operations
Income (loss) from discontinued operations

Net income

Cash dividends declared per Common Share

Weighted average Common Shares outstanding:

March 31

$19,613

4,360

85

4,445

$ 0.14
0.00

$ 0.14

$ 0.14
0.00

$ 0.14

$ 0.1725

June 30

$20,346

5,044

(699)

4,345

$ 0.16
(0.02)

$ 0.14

$ 0.16
(0.02)

$ 0.14

2005

September 30

December 31

Total For Year

$20,745

7,294

(69)

7,225

$ 0.23
(0.00)

$ 0.23

$ 0.22
(0.00)

$ 0.22

$22,614

4,869

(258)

4,611

$ 0.15
(0.01)

$ 0.14

$ 0.15
(0.01)

$ 0.14

$ 83,318

21,567

(941)

20,626

$ 0.68
0.03

$ 0.65

$ 0.67
(0.03)

$ 0.64

$0.1725

$ 0.1725

$ 0.185

$0.7025

Basic

Diluted

31,867,185

31,898,644

29,459,175

32,017,316

31,948,610

32,139,833

32,144,529

29,953,528

32,293,926

32,214,231

Revenue

Income(loss) from continuing operations

Income from discontinued operations

Net income

Net income per Common Share — basic:
Income from continuing operations
Income from discontinued operations

Net income

Net income per Common Share — diluted:
Income from continuing operations
Income from discontinued operations

Net income

March 31

$17,685

3,124

(274)

2,850

$

0.11
(0.01)

$ 0.10

$

0.11
(0.01)

$ 0.10

June 30

$17,466

3,966

(202)

3,764

$ 0.13
0.00

$ 0.13

$ 0.13
0.00

$ 0.13

2004

September 30

December 31

Total For Year

$18,087

$18,878

$ 71,657

3,097

(202)

2,895

$

$

0.11
0.00

0.11

$ 0.10
0.00

$ 0.10

3,329

6,747

10,076

$ 0.11
0.22

$ 0.33

$ 0.11
0.21

$ 0.32

13,516

6,069

19,585

$ 0.46
0.21

$ 0.67

$ 0.45
0.20

$ 0.65

Cash dividends declared per Common Share

$ 0.16

$ 0.16

$ 0.16

$0.1725

$0.6525

Weighted average Common Shares outstanding:

Basic

Diluted

27,890,065

29,333,184

29,459,175

27,431,982

29,340,992

28,763,751

29,793,310

29,953,528

28,305,567

29,912,405

Acadia Realty Trust 2005 Annual Report

77

Note 19i

Commitments and Contingencies 
Under various Federal, state and local laws, ordinances and

regulations relating to the protection of the environment,

a current or previous owner or operator of real estate may 

be liable for the cost of removal or remediation of certain

hazardous or toxic substances disposed, stored, generated,

released, manufactured or discharged from, on, at, under, or

in a property. As such, the Company may be potentially liable

for costs associated with any potential environmental reme-

diation at any of its formerly or currently owned properties.

The Company conducts Phase I environmental reviews with

respect to properties it acquires. These reviews include an

investigation for the presence of asbestos, underground

storage tanks and polychlorinated biphenyls (PCBs). Although

such reviews are intended to evaluate the environmental

condition of the subject property as well as surrounding

properties, there can be no assurance that the review con-

ducted by the Company will be adequate to identify environ-

mental or other problems that may exist. Where a Phase I

assessment is so recommended, a Phase II assessment was

conducted to further determine the extent of possible envi-

believe would have a material adverse impact on the Com-

pany’s financial position or results of operations. Manage-

ment is unaware of any instances in which it would incur

significant environmental costs if any or all properties were

sold, disposed of or abandoned. However, there can be no

assurance that any such non-compliance, liability, claim or

expenditure will not arise in the future.

For the year ended December 31, 2004, the Company accrued

a reserve for $730 related to flood damage incurred at one of

its properties. Under the terms of the Company’s insurance

policy, a maximum deductible of approximately $730 would

apply in the event the flood damage was the direct result of

a “named” storm. During the first quarter of 2005, the Com-

pany reduced the reserve by $480 due to the settlement of

the insurance claim.

The Company is involved in various matters of litigation aris-

ing in the normal course of business. While the Company is

unable to predict with certainty the amounts involved, the

Company’s management and counsel are of the opinion that,

when such litigation is resolved, the Company’s resulting lia-

bility, if any, will not have a significant effect on the Com-

pany’s consolidated financial position or results of operations.

ronmental contamination. In all instances where a Phase I 

or II assessment has resulted in specific recommendations

Note 20i

for remedial actions, the Company has either taken or sched-

uled the recommended remedial action. To mitigate unknown

Subsequent Events 
On January 4, 2006, the institutional investors of Fund I

risks, the Company has obtained environmental insurance

merged their 78% interest in the Brandywine Portfolio into

for most of its properties, which covers only unknown envi-

affiliates of GDC Properties Incorporated (“GDC”) in exchange

ronmental risks.

The Company believes that it is in compliance in all material

respects with all Federal, state and local ordinances and reg-

ulations regarding hazardous or toxic substances. Manage-

ment is not aware of any environmental liability that they

for cash. The Company merged its 22% share of the Brandy-

wine Portfolio into GDC in exchange for a 22% interest in

GDC. Prior to the closing of this transaction, the Company

provided $17.6 million of mortgage financing to GDC secured

by certain properties within the Brandywine Portfolio.

Acadia Realty Trust 2005 Annual Report 78

Schedule III: Real Estate And Accumulated Depreciation

December 31, 2005

Encum-
brances

Land

Buildings &
Improvements

Costs 
capitalized
Subsequent to 
Acquisition

Land

Buildings &
Improvements

Total

Accumulated
Depreciation

Date of
Acquisition (a)
Construction(c)

$ 17,600

$ 1,147 

$ 7,425 

$

822 

$ 1,147 

$ 8,247 

$ 9,394 

$ 4,344

1984(a)

15,000

505 

4,161 

10,840 

505 

15,001 

15,506 

8,024

1982(a) 

(1)

— 

— 

— 

— 

— 

—

— 

(1) 

(2)

(3)

(3)

619 

5,434 

33,096

619 

38,530

39,149

25,506

1983(a) 

— 

35 

120 

4,268 

315 

— 

4,765 

1,722 

— 

35 

9,033 

9,033 

5,709

1968(c) 

2,037 

2,072 

1,141

1983(a) 

1,599 

120 

1,599 

1,719 

587

1968(c) 

1,335 

6,314 

2,292

1,335 

8,606

9,941

4,652

1986(c) 

190 

3,004 

720

190 

3,724

3,914

2,714

1972(c) 

— 

1,500 

— 

— 

1,691

5,803 

—

— 

12,695 

1,664 

11,031 

12,695 

4,262

1995(c) 

5,956 

1,521 

5,935 

7,456 

2,139

1995(c) 

11,909

11,909

11,909

1,691

5,847

7,538

133

145

2002(c) 

2005(a)

44

— 

— 

817 

— 

16,100 

15,283 

16,100 

6,158

1994(c) 

799 

3,197 

1,994

799 

5,191

5,990

1,182

1998(a) 

3,443 

13,774 

4,684

3,443 

18,458

21,901

3,561

1998(a) 

3,122 

12,488 

844

3,122 

13,332

16,454

2,983

1998(a) 

Description
Shopping Centers

Crescent Plaza
Brockton, MA

New Loudon Center
Latham, NY

Ledgewood Mall
Ledgewood, NJ

Mark Plaza
Edwardsville, PA

Luzerne Street Plaza
Scranton, PA

Blackman Plaza
Wilkes-Barre, PA

Greenridge Plaza
Scranton, PA

Plaza 422
Lebanon, PA

Route 6 Mall
Honesdale, PA

Pittston Mall
Pittston, PA

— 

Bartow Avenue
Bronx, NY
Amboy Rd. Shopping Ctr. — 
Staten Island, NY

Bradford Towne Centre
Towanda, PA

Abington Towne Center
Abington, PA

Bloomfield Town Square
Bloomfield Hills, MI

Walnut Hill Plaza
Woonsocket, RI

Elmwood Park Plaza
Elmwood Park, NJ

34,600 

3,248 

12,992 

14,764

3,800 

27,205

31,005

5,178

1998(a)

12,936

Merrillville Plaza
Hobart, IN
Soundview Marketplace 8,338
Port Washington, NY

4,288 

17,152 

1,199

4,288 

18,351

22,639

3,723

1998(a) 

2,428 

9,711 

5,994

3,227

14,904

18,131

3,355

1998(a) 

Marketplace of Absecon
Absecon, NJ

(3)

2,573 

10,294 

2,467 

2,573 

12,761 

15,334 

2,501

1998(a) 

Acadia Realty Trust 2005 Annual Report

79

December 31, 2005

Description

Hobson West Plaza
Naperville, IL 

Smithtown 
Shopping Center
Smithtown, NY 

Town Line Plaza
Rocky Hill, CT

Branch Shopping Center
Village of the Branch, NY

The Methuen 
Shopping Center 
Methuen, MA

Gateway 
Shopping Center
Burlington, VT

Mad River Station 
Dayton, OH 

Pacesetter Park 
Shopping Center 
Ramapo, NY

239 Greenwich 
Greenwich, CT 

Residential Properties

Gate House, Holiday 
House, Tiger Village
Columbia, MO

Village Apartments
Winston-Salem, NC

Colony Apartments 
Columbia, MO 

Undeveloped land 

Encum-
brances

Land

Buildings &
Improvements

Costs 
capitalized
Subsequent to 
Acquisition

Land

Buildings &
Improvements

Total

Accumulated
Depreciation

Date of
Acquisition (a)
Construction(c)

$

(3)

$ 1,793

$

7,172

$

687

$ 1,793

$

7,859

$ 9,652

$

1,700

1998(a)

10,082

3,229 

12,917 

1,230

3,229 

14,147

17,376

3,173

1998(a)

878 

3,510 

7,048 

909 

10,528 

11,437 

6,304

1998(a) 

(2)

3,156 

12,545 

619

3,156 

13,164

16,320

2,523

1998(a) 

(2)

956 

3,826 

— 

956 

3,826 

4,782 

705

1998(a) 

(2)

1,273 

5,091 

11,517

1,273 

16,608

17,881

1,851

1999(a) 

— 

2,350 

9,404 

419

2,350 

9,823

12,173

1,763

1999(a) 

12,500

1,475 

5,899 

971

1,475 

6,870

8,345

1,223

1999(a)

15,894

1,817 

15,846 

359 

1,817 

16,205 

18,022 

2,761

1999(c)

10,588

2,312 

9,247 

3,092

2,312 

12,339

14,651

3,053

1998(a) 

(3)

3,429 

13,716 

2,727

3,429 

16,443

19,872

3,769

1998(a) 

5,294

1,118 

4,470 

1,522

1,118 

5,992

7,110

1,487

1998(a) 

250 

250 

250 

$238,448

$50,829

$ 231,884 

$ 153,038

$54,963 

$380,788

$ 435,751

$ 118,309

1. These properties serve as collateral for the financing with Washington Mutual Bank, FA in the amount of $29,131 (Note 6) 

2. These properties serve as collateral for the financing with Bank of America, FA in the amount of $44,485 (Note 6)

3. These properties serve as collateral for the financing with Bank of America, NA in the amount of $22,000 (Note 6).

4. Depreciation and investments in buildings and improvements reflected in the statements of income is calculated over the estimated useful

life of the assets as follows:

Buildings: 30 to 40 years

Improvements: Shorter of lease term or useful life

5. The aggregate gross cost of property included above for Federal income tax purposes was $373,098 as of December 31, 2005.

6. (a) Reconciliation of Real Estate Properties:

Acadia Realty Trust 2005 Annual Report 80

Schedule III: Real Estate And Accumulated Depreciation continued

The following table reconciles the real estate properties from January 1, 2003 to December 31, 2005:

Balance at beginning of year

Other Improvements

Reclassification of tenant improvement activities

Depreciation related to Real estate

Balance at end of year

(b) Reconciliation of Accumulated Depreciation:

2005

$ 414,974

8,868

—

11,909

Years Ended December 31,

2004

$ 407,220

6,909

845

—

2003

$ 393,652

13,568

—

—

$ 435,751

$ 414,974

$ 407,220

The following table reconciles accumulated depreciation from January 1, 2003 to December 31, 2005:

Balance at beginning of year

Reclassification of tenant improvement activities

Depreciation related to Real estate

Balance at end of year

Years Ended December 31,

2005

$ 105,278

—

13,031

$ 118,309

2004

$ 91,777

660

12,841

$105,278

2003

$76,454

—

15,323

$91,777

Acadia Realty Trust 2005 Annual Report

81

Trustees and Officers

Shareholder Information

Trustees
Kenneth F. Bernstein
President and Chief Executive Officer

Douglas Crocker II
Former Chief Executive Officer,
Equity Residential

Alan S. Forman
Director of Investments Office
Yale University 

Suzanne M. Hopgood
President and Chief Executive Officer
The Hopgood Group, LLC

Lorrence T. Kellar
Vice President of Retail
Development, Continental
Properties

Wendy Luscombe
President and CEO
WKL Associates, Inc.

Lee S. Wielansky (Lead Trustee) 
Chairman of the Board and Chief
Executive Officer, Midland
Development Group Inc.

Senior Officers
Kenneth F. Bernstein
President and 
Chief Executive Officer

Joel Braun
Sr. Vice President,
Chief Investment Officer

Joseph Hogan 
Sr. Vice President,
Director of Construction

Robert Masters, Esq.
Sr. Vice President,
General Counsel and
Corporate Secretary

Joseph M. Napolitano
Sr. Vice President,
Director of Operations

Michael Nelsen 
Sr. Vice President,
Chief Financial Officer

Joseph Povinelli
Sr. Vice President,
Director of Leasing

Robert Scholem
Sr. Vice President,
Director of Property
Management

Corporate Headquarters
Acadia Realty Trust
1311 Mamaroneck Avenue, Suite 260
White Plains, NY 10605
Tel: 914.288.8100

Internet Address
Visit us online at www.acadiarealty.com
for more information about Acadia
Realty Trust and its real estate portfolio.
The 2005 Annual Report is available
online, as well as current news and
quarterly financial and operational
supplementary information.

Legal Counsel
Paul, Hastings, Janofsky &
Walker, LLP
Park Avenue Tower
75 East 55th Street
New York, NY 10022

Annual Meeting
Acadia’s Board of Trustees has sched-
uled the Annual Shareholders Meeting
for Monday, May 15, 2006 at 10:00 AM,
local time, to be held at the offices of
Paul, Hastings, Janofsky & Walker, LLP,
Park Avenue Tower, 75 East 55th Street,
New York, NY 10022. The record date
for determination of shareholders
entitled to vote is March 31, 2006.

Independent Auditors
BDO Seidman, LLP
330 Madison Avenue
New York, NY 10017

Stock Exchange
NYSE: AKR
The Company has filed the Section
302 certifications as an exhibit to its
Form 10-K, and the Chief Executive
Officer has provided the annual
certification to the NYSE.

Transfer Agent
and Registrar
American Stock Transfer 
Trust Company
59 Maiden Lane
Plaza Level
New York, NY 10038
Tel: 877.777.0800
website: www.amstock.com
email: info@amstock.com

Investor Relations
Jon Grisham
Vice President
Chief Accounting Officer
Tel: 914.288.8100
email: jgrisham@acadiarealty.com

A copy of the Company’s annual report
and Form 10-K filed with the Securities
and Exchange Commission may be
obtained without charge by contacting
Investor Relations.

Dividend Reinvestment
Acadia Realty Trust offers a dividend
reinvestment plan that enables its
shareholders to automatically reinvest
dividends as well as make voluntary
cash payments toward the purchase
of additional shares. To participate,
contact Acadia Realty Trust’s dividend
reinvestment agent at 800.937.5449
ext. 6820
or write to:
American Stock Transfer & 
Trust Company
Attn: Dividend Reinvestment Dept.
59 Maiden Lane
Plaza Level
New York, NY 10038

For further information contact
Investor Relations.

1311 Mamaroneck Avenue
Suite 260
White Plains, NY 10605
Tel: 914.288.8100

E