Quarterlytics / Industrials / Rental & Leasing Services / Aircastle Limited

Aircastle Limited

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Sector Industrials
Industry Rental & Leasing Services
Employees 51-200
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FY2016 Annual Report · Aircastle Limited
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DEAR SHAREHOLDERS:

We are pleased to report that Aircastle posted strong 2016 
results as the Company continued identifying profitable 
opportunities amid an ever-changing market environment. 
The  past  year  was  highlighted  by  strong  financial 
performance across the airline industry, which shaped our 
investment approach. The long-term fundamentals for the 
aircraft leasing business are strong, and we remain very 
optimistic about Aircastle’s prospects for profitable long-term 
growth. Air travel demand is projected to grow consistently 
faster than global GDP, generating strong demand for 
modern aircraft—a demand that will be increasingly met 
through aircraft leasing.   

Last August marked our 10th anniversary as a publicly-listed 
company on the New York Stock Exchange. When we formed 
Aircastle, we understood the complexity of the aircraft 
leasing business, as well as the opportunities this creates 
for a company that could offer a combination of creative, 
value-added solutions and execution certainty for clients. 
Our fundamental strategy is underpinned by our ability to 
locate attractive investment opportunities in commercial 
aircraft, which, combined with our conservative capital 
structure, diversified financing access and lease placement 
skill, has enabled Aircastle to consistently drive value for 
our shareholders while continuously improving asset quality 
across our overall business. We are disciplined investors who 
have established a strategically unique position in the aviation 
finance market.

2016 Highlights

We were very pleased with our financial results and reported 
significant earnings per share accretion in 2016. Diluted net 
income per share rose 28% to $1.92, while net income for 
2016 rose 24% to $151.5 million. Our operating cash flows 
were a strong $468.1 million, driven by 99% fleet utilization, 
and our cash ROE was 12.3%. 

combined fleet of owned and managed aircraft rose to 206 
planes at year-end, 158 of which are narrow-bodies. In 
addition, the net book value of our fleet has been growing 
at a healthy compound annual rate of approximately 10% 
per annum over the past five years. 

We substantially strengthened Aircastle’s long-term earnings 
profile during 2016 by acquiring 60 aircraft for $1.6 billion. 
Acquisitions included a ten aircraft purchase and leaseback 
transaction with easyJet, one of the world’s top airlines, and 
one of the few with an investment grade credit rating. The 
acquisitions that we made in 2016 were consistent with a 
longer-term goal of growing and de-risking Aircastle’s fleet 
profile, as evidenced by our current generation narrow-body 
fleet increasing by 150% since 2011. We also sold 30 aircraft 
during the year for $756 million, with a gain on the sale of 
flight equipment totaling $39 million for the year. 

We  continued  to  work  closely  with  our  two  largest 
shareholders, Marubeni Corporation of Japan and Ontario 
Teachers’ Pension Plan of Canada who own a combined 
37.5% of Aircastle. They are strategic investors, and we 
benefit from their global reach, long-term investment horizon 
and meaningful ownership position. 

During the first quarter of 2016, through our strategic 
relationship with Marubeni, Aircastle’s largest shareholder, 
we formed a joint venture with IBJ Leasing. This joint venture 
enables us to target new market opportunities and expands 
Aircastle’s range of offerings to our customers. In addition, our 
other joint venture with the Ontario Teachers’ Pension Plan 
has continued to be a successful and profitable partnership 
with Aircastle’s second largest shareholder. This joint venture 
has enabled Aircastle to pursue larger transactions as well 
as actively manage and limit concentration risk that would 
otherwise have been challenging. 

Throughout the year, we continued upgrading the quality 
of our fleet through accretive acquisitions and by profitably 
disposing of less attractive assets during a period of strong 
investor demand for aviation assets. Overall, Aircastle’s  

In 2016, we also took advantage of low interest rates and 
strong financial markets to raise a total of $1.3 billion of 
new  financing,  which  further  enhanced  our  financial 
position. Our strong operating cash flow, profitable asset 
sales and new financing activity enabled us to end the year  

 
 
 
 
 
 
with a very strong liquidity position. At year end, we had 
more than $450 million of unrestricted cash, $4.6 billion of 
unencumbered aircraft and $810 million of unused revolving 
credit capacity.

The Future

Aircastle is well positioned to seize the opportunities that lie 
ahead in 2017. Asset price volatility and market dislocations 
continue to create opportunities for Aircastle to profitably 
expand and upgrade our fleet, and to sell older and sub-
optimal assets on a profitable, opportunistic basis. We expect 
that our investment focus in 2017 will remain on younger, 
mid-age narrow-body aircraft, which is where we continue 
to see the best value opportunities. We will also continue to 
focus on scenarios where Aircastle can provide real, value-
added solutions to sellers of aircraft, rather than bidding 
in competitive new aircraft request for proposal situations 
where winning is primarily based on price. 

We remain committed to deploying capital efficiently and 
intelligently in an effort to continue to drive strong total 
shareholder returns for our investors. This means growing 
our business consistent with our return-driven philosophy, 
but also sharing a portion of the increase in our sustainable 
earnings with our shareholders. Since going public in 2006, 
we’ve paid out $685 million in dividends and have increased 
the dividend seven times since 2011, for a total increase of 
260%. We may also, from time to time, opportunistically 
repurchase shares in the open market. Between 2011 and 
2016, we repurchased $192.6 million of our shares at a 
weighted average price of $13.29 per share. We expect 
to utilize share repurchases opportunistically in our capital 
allocation approach moving forward.

Looking  ahead,  we  are  very  excited  about  Aircastle’s 
profitable growth potential. As the leading value investor 
in the commercial aircraft leasing market, we expect to 
capitalize on the momentum we’ve established as we move 
into 2017 and beyond. We can achieve this through our 
constant focus on allocating capital in a manner that will 
generate the highest possible returns for our shareholders 
and by maintaining the best-in-class professionalism of 
our staff. We have talented and experienced employees at 
every level of this organization, and we take tremendous 
pride in knowing that each and every one is an exceptional 
ambassador for our Company. Our employees have been the 
key to our success, and we are confident that Aircastle’s deep 
management team and professional team of employees, 
under the guidance of our world-class Board of Directors, 
will enable us to successfully execute the Company’s strategy 
going forward. Finally, we would like to thank all of our 
shareholders for the trust and confidence you have placed 
in us, and we look forward to creating the greatest possible 
value in Aircastle in the years ahead. 

Sincerely,

Peter V. Ueberroth  
Chairman of the Board, Aircastle Limited 

Michael Inglese

Acting Chief Executive Officer, Aircastle Limited 

 
 
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, 2016
or

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 001-32959
AIRCASTLE LIMITED
(Exact name of Registrant as Specified in its Charter)

Bermuda
(State or other Jurisdiction of
Incorporation or organization)

98-0444035
(I.R.S. Employer
Identification No.)

300 First Stamford Place, 5th Floor, Stamford, Connecticut 06902
(Address of Principal Executive Offices)
Registrant’s telephone number, including area code:    (203) 504-1020
______________________________________ 

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

       Title of Each Class                            

Name of Each Exchange on Which Registered                            

Common Shares, par value $.01 per share

New York Stock Exchange

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  
Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.    Yes  
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  
    No  

    No  

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Website, if any, every Interactive Data File required to be 
submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant 
was required to submit and post such files).    Yes  

    No  

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) 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, a non-accelerated filer, or a smaller reporting company. See the 

definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer

Non-accelerated filer

   (Do not check if a smaller reporting company)

Accelerated filer

Smaller reporting company

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  
The aggregate market value of the Registrant’s Common Shares based upon the closing price on the New York Stock Exchange on June 30, 2016 (the last business 
day of registrant’s most recently completed second fiscal quarter), beneficially owned by non-affiliates of the Registrant was approximately $921.5 million. For 
purposes of the foregoing calculation, which is required by Form 10-K, the Registrant has included in the shares owned by affiliates those shares owned by directors 
and executive officers and shareholders owning 10% or more of the outstanding common shares of the Registrant, and such inclusion shall not be construed as an 
admission that any such person is an affiliate for any purpose.

    No  

As of February 7, 2017, there were 78,556,466 outstanding shares of the registrant’s common shares, par value $0.01 per share.

DOCUMENTS INCORPORATED BY REFERENCE

                Documents of Which Portions                
                Are Incorporated by Reference                

            Parts of Form 10-K into Which Portion            
            Of Documents Are Incorporated            

Proxy Statement for Aircastle Limited
2017 Annual General Meeting of Shareholders

Part III
(Items 10, 11, 12, 13 and 14)

 
 
 
 
 
 
 
TABLE OF CONTENTS

Page  

Item 1.

Business

Item 1A. Risk Factors

Item 1B. Unresolved Staff Comments

Item 2.

Properties

Item 3.

Legal Proceedings

Item 4. Mine Safety Disclosures

PART I

PART II

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

Equity Securities

Item 6.

Selected Financial Data

Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operation

Item 7A. Quantitative and Qualitative Disclosures About Market Risk

Item 8.

Financial Statements and Supplementary Data

Item 9.

Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

Item 9A. Controls and Procedures

Item 9B. Other Information

Item 10. Directors, Executive Officers and Corporate Governance

Item 11. Executive Compensation

PART III

Item 12.

Security Ownership of Certain Beneficial Owners and Management and Related Stockholder 
Matters

Item 13. Certain Relationships and Related Transactions, and Director Independence

Item 14. Principal Accounting Fees and Services

PART IV

Item 15. Exhibits and Financial Statement Schedules

Item 16. Form 10-K Summary

  SIGNATURES

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SAFE HARBOR STATEMENT UNDER THE
PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995

All statements included or incorporated by reference in this Annual Report on Form 10-K (this “report”), other than 
characterizations of historical fact, are forward-looking statements within the meaning of the federal securities laws, including 
the Private Securities Litigation Reform Act of 1995.  Examples of forward-looking statements include, but are not necessarily 
limited to, statements relating to our ability to acquire, sell, lease or finance aircraft, raise capital, pay dividends, and increase 
revenues, earnings, EBITDA, Adjusted EBITDA and Adjusted Net Income and the global aviation industry and aircraft 
leasing sector.  Words such as “anticipates,” “expects,” “intends,” “plans,” “projects,” “believes,” “may,” “will,” “would,” 
“could,” “should,” “seeks,” “estimates” and variations on these words and similar expressions are intended to identify such 
forward-looking statements.  These statements are based on our historical performance and that of our subsidiaries and on 
our current plans, estimates and expectations and are subject to a number of factors that could lead to actual results materially 
different from those described in the forward-looking statements; Aircastle can give no assurance that its expectations will 
be attained.  Accordingly, you should not place undue reliance on any such forward-looking statements which are subject 
to certain risks and uncertainties that could cause actual results to differ materially from those anticipated as of the date of 
this report.  These risks or uncertainties include, but are not limited to, those described from time to time in Aircastle’s filings 
with the Securities and Exchange Commission (“SEC”), including as described in Item 1A, and elsewhere in this report.  In 
addition, new risks and uncertainties emerge from time to time, and it is not possible for Aircastle to predict or assess the 
impact of every factor that may cause its actual results to differ from those contained in any forward-looking statements.  
Such forward-looking statements speak only as of the date of this report.  Aircastle expressly disclaims any obligation to 
revise or update publicly any forward-looking statement to reflect future events or circumstances.

WEBSITE AND ACCESS TO COMPANY’S REPORTS

The Company’s Internet website can be found at www.aircastle.com.  Our annual reports on Forms 10-K, quarterly 
reports  on  Forms 10-Q,  current  reports  on  Form 8-K,  and  amendments  to  those  reports  filed  or  furnished  pursuant  to 
Section 13(a) or 15(d) of the Exchange Act are available free of charge through our website under “Investors — SEC Filings” 
as soon as reasonably practicable after they are electronically filed with, or furnished to, the SEC.

Statements  and  information  concerning  our  status  as  a  Passive  Foreign  Investment  Company  (“PFIC”)  for  U.S. 

taxpayers are also available free of charge through our website under “Investors — SEC Filings”.

Our Corporate Governance Guidelines, Code of Business Conduct and Ethics, and Board of Directors committee 
charters  (including  the  charters  of  the  Audit  Committee,  Compensation  Committee,  and  Nominating  and  Corporate 
Governance Committee) are available free of charge through our website under “Investors — Corporate Governance”. In 
addition, our Code of Ethics for the Chief Executive and Senior Financial Officers, which applies to our Chief Executive 
Officer, Chief Financial Officer, Chief Accounting Officer, Treasurer and Controller, is available in print, free of charge, to 
any shareholder upon request to Investor Relations, Aircastle Limited, c/o Aircastle Advisor LLC, 300 First Stamford Place, 
5th Floor, Stamford, Connecticut 06902.

The information on the Company’s website is not part of, or incorporated by reference, into this report, or any other 

report we file with, or furnish to, the SEC.

ITEM 1.   BUSINESS

PART I.

Unless the context suggests otherwise, references in this report to “Aircastle,” the “Company,” “we,” “us,” or “our” 
refer to Aircastle Limited and its subsidiaries.  References in this report to “Aircastle Bermuda” refer to Aircastle Holding 
Corporation Limited and its subsidiaries.  Throughout this report, when we refer to our aircraft, we include aircraft that 
we have transferred into grantor trusts or similar entities for purposes of financing such assets through securitizations and 
term financings.  These grantor trusts or similar entities are consolidated for purposes of our financial statements.  All 
amounts in this report are expressed in U.S. dollars and the financial statements have been prepared in accordance with 
U.S. generally accepted accounting principles (“U.S. GAAP”).

Aircastle acquires, leases, and sells commercial jet aircraft to airlines throughout the world.  As of December 31, 2016, 
we owned and managed on behalf of our joint ventures 206 aircraft leased to 71 lessees located in 36 countries.  Our aircraft 
are managed by an experienced team based in the United States, Ireland and Singapore.  Our aircraft are subject to net leases 
whereby the lessee is generally responsible for maintaining the aircraft and paying operational, maintenance and insurance 
costs, although in certain cases, we are obligated to pay a portion of specified maintenance or modification costs.  As of 
December 31, 2016, the net book value of our flight equipment (including flight equipment held for lease and net investment 
in finance and sales-type leases, or "net book value") was $6.51 billion compared to $6.07 billion at the end of 2015.  Our 
revenues and net income for the year ended December 31, 2016 were $773.0 million and $151.5 million, respectively, and 
for the fourth quarter of 2016 were $204.7 million and $67.7 million, respectively.

Growth in commercial air traffic is broadly correlated with world economic activity and in recent years, has been 
expanding at a rate one and a half to two times that of global GDP growth.  The expansion of air travel has driven a rise in 
the world aircraft fleet.  There are currently approximately 20,000 commercial mainline passenger and freighter aircraft in 
operation worldwide.  This fleet is expected to continue expanding at an average annual rate of three to four percent over 
the next twenty years.  In addition, aircraft leasing companies own a significant share of the world’s commercial jet aircraft 
and account for approximately 41% of this fleet.

Notwithstanding the sector’s long-term growth, the aviation markets have been, and are expected to remain, subject 
to economic variability, as well as to changes in macroeconomic variables such as fuel price levels and foreign exchange 
rates.  The aviation industry is susceptible to external shocks, such as regional conflicts and terrorist events.  Mitigating 
these risks is the portability of the assets, allowing aircraft to be redeployed to locations where demand is higher.

Air traffic data for the past several years has shown strong passenger market growth.  According to the International 
Air Transport Association, during 2016, global passenger traffic increased 6.3% compared to 2015.  This strong growth was, 
in part, stimulated by lower air fare prices resulting from the significant drop in fuel prices.  Air cargo demand, which is 
more sensitive to economic conditions, appears to have stabilized.  During 2016, air cargo traffic increased 3.8% compared 
to 2015, but capacity increased 5.3%, further depressing load factors.  This market continues to be hampered by oversupply 
arising from the rapid growth in belly cargo capacity in passenger aircraft, as well as the production of dedicated freighter 
aircraft.

Demand for air travel varies considerably by region.  Emerging market economies have generally been experiencing 
significant increases in air traffic, driven by rising levels of per capita income.  Air traffic growth in some regions is being 
driven by the proliferation of low cost carriers, which have stimulated demand through lower prices.  Mature markets, such 
as North America and Western Europe, are likely to grow more slowly in tandem with their economies.  Persian Gulf-based 
Emirates, Qatar Airways and Etihad Airways are also showing signs of reaching maturity, with their growth rates starting 
to slow.  Airlines operating in areas with political instability or weakening economies, such as those in Russia, Brazil, and 
now Turkey, are under pressure, and their near-term outlook is more uncertain.  On balance, we believe air travel will increase 
over time, and as a result, we expect demand for modern aircraft will continue to remain strong over the long-term.

Record low fuel prices and interest rates have had a substantial effect on our industry.  In the four years between 2012 
and 2016, the price of oil dropped by $67 per barrel, allowing airlines to reduce ticket prices and stimulate aircraft traffic 
while retaining enough of this benefit to achieve record profit levels.  We believe the prospect of fuel prices having shifted 
to a lower baseline has shifted lease pricing among different types of aircraft, generally to the detriment of newer, more fuel 
efficient aircraft with higher capital costs.  The ongoing low interest rate environment and strong overall performance of 
the aircraft financing sector attracted significant new capital, increasing competition for new investments.  The downward 

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trend in fuel prices and interest rates may, however, have ended as fuel prices started rising in 2016 and in early 2017 the 
price of fuel was up $19 per barrel since January 2016.  Likewise interest rates have started to rise in the U.S., with Federal 
Reserve guidance suggesting multiple rate hikes subsequent to the December 2016 increase in the Federal Funds rate.

Capital availability for aircraft has varied over time, and we consider this variability to be a basic characteristic of our 
business.    If  pursued  properly,  this  represents  an  important  source  of  opportunity.    Both  debt  and  equity  markets  have 
improved globally over the past several years with the recovery from the global financial crisis.  Strong U.S. debt capital 
market conditions benefited borrowers by permitting access to financing at historic lows while higher fees have driven down 
export credit agency (“ECA”) demand.  Recently, ECA availability has been curtailed, both in the U.S. and in Europe, due 
to political issues and an investigation into possible irregularities, respectively.  Commercial bank debt continues to play a 
critical role for aircraft finance, although we believe regulatory pressures may ultimately limit its role.

While financial markets conditions are currently attractive, heightened volatility stemming from global growth concerns 
and various geopolitical issues may increase capital costs and limit availability going forward.  We believe these market 
forces should generate attractive new investment and trading opportunities upon which we are well placed to capitalize 
given our access to different financing sources, our limited capital commitments and our reputation as a reliable trading 
partner.  Over the longer term, our strategy is to achieve an investment grade credit rating, which we believe will reduce 
our borrowing costs and enable more reliable access to debt capital throughout the business cycle.

We believe our business approach is differentiated from those of other large leasing companies. Our investment strategy 
is to seek out the best risk-adjusted return opportunities across the commercial jet market, so our acquisition targets and 
growth  rates  will  vary  with  market  conditions.  We  prefer  to  have  capital  resources  available  to  capture  investment 
opportunities  that  arise  in  the  context  of  changing  market  circumstances.   As  such,  we  limit  large,  long-term  capital 
commitments and are therefore much less reliant on orders for new aircraft from aircraft manufacturers as a source of new 
investments. In general, we focus on discerning investment value in situations that are often more bespoke and generally 
less competitive.

Competitive Strengths

We believe that the following competitive strengths will allow us to capitalize on future growth opportunities in the 

global aviation industry:

•  Diversified portfolio of modern aircraft.  We have a portfolio of modern aircraft that is diversified with respect 
to lessees, geographic markets, lease maturities and aircraft types.  As of December 31, 2016, our aircraft portfolio 
consisted of 206 aircraft, comprising a variety of aircraft types leased to 71 lessees located in 36 countries.  Lease 
expirations for our owned aircraft are well dispersed, with a weighted-average remaining lease term of 5.1 years 
as of December 31, 2016.  This provides the company with a long-dated base of contracted revenues.  We believe 
our focus on portfolio diversification reduces the risks associated with individual lessee defaults and adverse 
geopolitical or economic issues, and results in generally predictable cash flows.

• 

•  Flexible, disciplined acquisition approach and broad investment sourcing network.  We consider Aircastle to 
be the industry’s largest “value investor.”  Our investment strategy is to seek out the best risk-adjusted return 
opportunities across the commercial jet market, so our acquisition targets vary with market opportunities.  We 
source our acquisitions through well-established relationships with airlines, other aircraft lessors, manufacturers, 
financial institutions and other aircraft owners.  Since our formation in 2004, we built our aircraft portfolio through 
more than 144 transactions with 84 counterparties.
Significant experience in successfully selling aircraft throughout their life cycle.  Since our formation, we sold 
169 aircraft for $4.0 billion.  These sales produced net gains of $231 million and involved a wide range of aircraft 
types and buyers.  Our team is adept at managing and executing the sale of both new and used aircraft.  We sold 
124 aircraft that were over fourteen years old at the time of sale; many of these being sold on a part-out disposition 
basis, where the airframe and engines may be sold to various buyers.  We believe our competence in selling older 
aircraft is an essential portfolio management skill and one of the capabilities that sets us apart from many of our 
larger competitors.
Strong capital raising track record and access to a wide range of financing sources.  Aircastle is a publicly 
listed company, and our shares have traded on the New York Stock Exchange since 2006.  Since our inception 
in late 2004, we raised approximately $1.7 billion in equity capital from private and public investors.  Our two 
largest shareholders are Marubeni Corporation (“Marubeni”) and Ontario Teachers’ Pension Plan (“Teachers’”) 

• 

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with whom we maintain strong, strategic relationships.  We also obtained $12.9 billion in debt capital from a 
variety of sources including the unsecured bond market, commercial banks, export credit agency-backed debt, 
and the aircraft securitization market.  The diversity and global nature of our financing sources demonstrates our 
ability to adapt to changing market conditions and seize new opportunities.

•  Our capital structure is long-dated and provides investment flexibility.  Our business is currently financed under 
debt financings with a weighted-average debt maturity of 3.7 years.  We also have $810 million available from 
unsecured revolving credit facilities that expire in 2019 and 2020, thereby limiting our near-term financial markets 
exposure.  Given our relatively limited future capital commitments, we have resources to take advantage of what 
we anticipate will be a more attractive investment environment.  We also believe that our access to the unsecured 
bond market and our unsecured revolving lines of credit, due to our large unencumbered asset base, allow us to 
pursue a flexible and opportunistic investment strategy.

•  Experienced management team with significant expertise.  Each member of our management team has more 
than  twenty  years  of  industry  experience  and  has  expertise  in  the  acquisition,  leasing,  financing,  technical 
management, restructuring/repossession and sale of aviation assets.  This experience spans several industry cycles 
and a wide range of business conditions and is global in nature.  We believe our management team is highly 
qualified to manage and grow our aircraft portfolio and to address our long-term capital needs.

•  Global and scalable business platform.  We operate through offices in the United States, Ireland and Singapore, 
using  a  modern  asset  management  system  designed  specifically  for  aircraft  operating  lessors  and  capable  of 
handling a significantly larger aircraft portfolio.  We believe that our current facilities, systems and personnel are 
capable of supporting an increase in our revenue base and asset base without a proportional increase in overhead 
costs.

Business Strategy

The overall financing environment has improved in recent years and aircraft owners have benefited from the low 
interest rate environment.  Particularly strong conditions in the debt capital markets have provided select borrowers, including 
Aircastle, access to attractively priced, flexible financing.  This provides us a competitive advantage over airlines and lessors 
that lack similar access.  Moreover, supply of traditional asset-based financing from commercial banks remains volatile, 
particularly for older aircraft.  Going forward, recent heightened financial markets volatility stemming from global growth 
and geopolitical concerns may increase capital costs and limit availability.  This may enable more attractive investment 
opportunities for Aircastle.

We plan to grow our business and profits over the long-term while maintaining a countercyclical orientation, a bias 
towards limiting long-dated capital commitments and a conservative and flexible capital structure.  Our business strategy 
entails the following elements:

•  Pursuing a disciplined and differentiated investment strategy.  In our view, aircraft values change in different 
ways over time.  We carefully evaluate investments across different aircraft models, ages, lessees and acquisition 
sources and re-evaluate these choices as market conditions and relative investment values change.  We believe 
the financing flexibility offered through unsecured debt and our team’s experience with a wide range of asset 
types enables our value oriented strategy and provides us with a competitive advantage.  We view orders from 
equipment  manufacturers  to  be  part  of  our  investment  opportunity  set,  but  choose  to  limit  long  term  capital 
commitments unless we believe there is an adequate return premium to compensate for risks and opportunity 
costs.   This approach sets us apart from most other large aircraft leasing companies.

•  Originating investments from many different sources across the globe.  Our strategy is to seek out worthwhile 
investments  by  leveraging  our  team’s  wide  range  of  contacts  around  the  world.   We  utilize  a  multi-channel 
approach to sourcing acquisitions and have purchased aircraft from a large number of airlines, lessors, original 
equipment manufacturers, lenders and other aircraft owners. 
Selling assets when attractive opportunities arise and for portfolio management purposes.  We sell assets with 
the aim of realizing profits and reinvesting proceeds when more accretive investments are available.  We also use 
asset sales for portfolio management purposes, such as reducing lessee specific concentrations and lowering 
residual value exposures to certain aircraft types, and as an exit from investments when a sale generates the 
greatest expected cash flow.

• 

•  Maintaining efficient access to capital from a wide set of sources while targeting an investment grade credit 
rating.  We believe the aircraft investment market is influenced by the business cycle.  Our strategy is to increase 

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our purchase activity when prices are low and to emphasize asset sales when competition for assets is high.  To 
implement this approach, we believe it is important to maintain access to a wide variety of financing sources.  
Our strategy is to improve our corporate credit ratings to an investment grade level by maintaining strong portfolio 
and capital structure metrics while achieving a critical size through accretive growth.  We believe improving our 
credit rating will not only reduce our borrowing costs but also facilitate more reliable access to both secured and 
unsecured debt capital throughout the business cycle.

•  Leveraging our strategic relationships.  We intend to capture the benefits provided through the extensive global 
contacts  and  relationships  maintained  by  Marubeni,  which  is  our  biggest  shareholder  and  one  of  the  largest 
Japanese trading companies.  Marubeni has already enabled greater access to Japanese-based financing and helped 
source and develop our new joint venture (“IBJ Air”) with the leasing arm of the Industrial Bank of Japan, Limited 
(“IBJL”).  Our Lancaster joint venture with Teachers’("Lancaster") provides us with an opportunity to pursue 
larger  transactions,  manage  portfolio  concentrations  and  improve  our  return  on  deployed  capital.    IBJ Air  is 
targeted at newer narrow-body aircraft leased to premier airlines, providing Aircastle with increased access to 
this market sector and to these customers.

• 

•  Capturing the value of our efficient operating platform and strong operating track record.  We believe our 
team’s capabilities in the global aircraft leasing market places us in a favorable position to source and manage 
new income-generating activities.  We intend to continue to focus our efforts in areas where we believe we have 
competitive advantages, including new direct investments as well as ventures with strategic business partners.
Intending to pay quarterly dividends to our shareholders based on the Company’s sustainable earnings levels.
Aircastle has paid dividends each quarter since our initial public offering in 2006.  On October 28, 2016, our 
Board of Directors declared a regular quarterly dividend of $0.26 per common share, or an aggregate of $20.4 
million for the three months ended December 31, 2016, which was paid on December 15, 2016 to holders of 
record on November 29, 2016.  These dividend amounts may not be indicative of any future dividends.  Our 
ability to pay quarterly dividends will depend upon many factors, including those as described in Item 1A. “Risk 
Factors” and elsewhere in this report.

Declaration Date

Dividend
per Common
Share

Aggregate
Dividend
Amount

(Dollars in thousands)

October 28, 2016

August 2, 2016

May 2, 2016

February 9, 2016

October 30, 2015

August 4, 2015

May 4, 2015

February 17, 2015

October 31, 2014

July 28, 2014

May 5, 2014

February 21, 2014

$

$

$

$

$

$

$

$

$

$

$

$

0.260

0.240

0.240

0.240

0.240

0.220

0.220

0.220

0.220

0.200

0.200

0.200

$

$

$

$

$

$

$

$

$

$

$

$

20,434

18,872

18,915

18,915

19,377

17,860

17,863

17,860

17,817

16,201

16,202

16,201

Record Date

Payment Date

November 29, 2016

December 15, 2016

August 26, 2016

September 15, 2016

May 31, 2016

June 15, 2016

February 29, 2016

March 15, 2016

November 30, 2015

December 15, 2015

August 31, 2015

September 15, 2015

May 29, 2015

March 6, 2015

June 15, 2015

March 13, 2015

November 28, 2014

December 15, 2014

August 29, 2014

September 12, 2014

May 30, 2014

March 7, 2014

June 13, 2014

March 14, 2014

We believe our team’s capabilities in the global aircraft leasing market place us in a favorable position to explore new 
income-generating activities as capital becomes available for such activities.  We intend to continue to focus our efforts on 
investment opportunities in areas where we believe we have competitive advantages and on transactions that offer attractive 
risk/return profiles after taking into consideration available financing options.  In any case, there can be no assurance that 
we will be able to access capital on a cost-effective basis and a failure to do so could have a material adverse effect on our 
business, financial condition or results of operations.

4

 
 
 
 
Acquisitions and Sales

We originate acquisitions and sales through well-established relationships with airlines, other aircraft lessors, financial 
institutions and brokers, as well as other sources.  We believe that sourcing such transactions globally through multiple 
channels provides for a broad and relatively consistent set of opportunities.

Our objective is to develop and maintain a diverse and stable operating lease portfolio.  We review our operating lease 
portfolio to sell aircraft opportunistically, to manage our portfolio diversification and to exit from aircraft investments when 
we believe selling will achieve better expected risk-adjusted cash flows than reinvesting in and re-leasing the aircraft.  See 
“Management’s Discussion and Analysis of Financial Condition and Results of Operations — Overview — Acquisitions 
and Sales.”

We have an experienced acquisitions and sales team based in Stamford, Connecticut; Dublin, Ireland and Singapore 
that maintains strong relationships with a wide variety of market participants throughout the world. We believe that our 
seasoned personnel and extensive industry contacts facilitate our access to acquisition and sales opportunities and that our 
strong operating track record facilitates our access to debt and equity capital markets.

Potential investments and sales are evaluated by teams comprised of marketing, technical, risk management, financial 
and legal professionals.  These teams consider a variety of aspects before we commit to purchase or sell an aircraft, including 
price,  specification/configuration,  age,  condition  and  maintenance  history,  operating  efficiency,  lease  terms,  financial 
condition and liquidity of the lessee, jurisdiction, industry trends and future redeployment potential and values, among other 
factors.  We believe that utilizing a cross-functional team of experts to consider investment parameters helps us assess more 
completely the overall risk and return profile of potential acquisitions and helps us move forward expeditiously on letters 
of intent and acquisition documentation.

Finance

We intend to fund new investments through cash on hand, cash flows from operations, our revolving credit facilities 
and medium to long-term financings.  We may repay all or a portion of such borrowings from time to time with the net 
proceeds from subsequent long-term debt financings, additional equity offerings, cash generated from operations and asset 
sales.  Therefore, our ability to execute our business strategy, particularly the acquisition of additional commercial jet aircraft 
or other aviation assets, depends to a significant degree on our ability to obtain additional debt and equity capital on terms 
we deem attractive.

See “Management’s Discussion and Analysis of Financial Condition and Results of Operations — Liquidity and Capital 

Resources — Secured Debt Financings” and “ — Unsecured Debt Financings” under Item 7.

Segments

The Company manages, analyzes and reports on its business and results of operations on the basis of one operating 
segment: leasing, financing, selling and managing commercial flight equipment.  Our chief executive officer is the chief 
operating decision maker.

Aircraft Leases

Nearly all of our aircraft are contracted on operating leases.  Under an operating lease, we retain the benefit, and bear 
the risk, of re-leasing and of the residual value of the aircraft at the end of the lease.  Operating leasing can be an attractive 
alternative to ownership for an airline because leasing increases their fleet flexibility, requires lower capital commitments, 
and significantly reduces aircraft residual value risks.  Under these leases, the lessee agrees to lease an aircraft for a fixed 
term, although certain of our operating leases allow the lessee the option to extend the lease for an additional term or, in 
rare cases, terminate the lease prior to its expiration.  As a percentage of lease rental revenue for the year ended December 31, 
2016, our four largest customers, Lion Air, LATAM Airlines Group, Avianca Brazil and South African Airways, accounted 
for 7%, 6%, 6% and 5%, respectively.

5

The scheduled maturities of our aircraft leases by aircraft type grouping currently are as follows, taking into account 

lease placement and renewal commitments as of February 7, 2017:

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

A319/A320/A321

A330-200/300

1

2

1 —

737-700/800/900ER —

6

10

5

11

17

12

1

9

5

7

6

1

13

11

1

4

9

2

5

4

3

3

2

2

3

1

1 — —

4 —

4 — —

757-200

— — — — — — — — — — — — —

777-200ER/300ER

—

2

2 —

1 —

E195

Freighters

Total

____________

— — — — — —

2

4

4 — — —

14

28

27

25

1

21

2017 Lease Expirations and Lease Placements

1

1

1

1 — — — —

4 — — — — —

1 — — — — — —

19

21

12

5

7

3

1

Sale at
Lease
End

Total

—

—

—

6

—

—

—

6

81

22

63

6

8

5

8

193

We began 2017 with seventeen aircraft having scheduled lease expirations in 2017 and three off-lease aircraft.  As of 
February 7, 2017, we have lease commitments or letters of intent to lease or sell sixteen of these aircraft.  The remaining 
four aircraft, which account for 2.9% of our net book value at December 31, 2016, represent our best estimate for the aircraft 
which we will need to place on lease or sell this year.

2018-2021 Lease Expirations and Lease Placements

Taking  into  account  lease  and  sale  commitments,  we  currently  have  the  following  number  of  aircraft  with  lease 
expirations scheduled in the period 2018-2021, representing the percentage of our net book value at December 31, 2016, 
specified below:

•  2018: 14 aircraft, representing 9%;
•  2019: 28 aircraft, representing 16%;
•  2020: 27 aircraft, representing 9%; and
•  2021: 25 aircraft, representing 12%.

Lease Payments and Security.  Each of our leases requires the lessee to pay periodic rentals during the lease term.  As 
of December 31, 2016, rentals on more than 93% of our leases then in effect, as a percentage of net book value, are fixed 
and do not vary according to changes in interest rates.  For the remaining leases, rentals are payable on a floating interest-
rate basis.  Most lease rentals are payable monthly in advance, and all lease rentals are payable in U.S. dollars.

Under our leases, the lessee must pay operating expenses accrued or payable during the term of the lease, which 
normally include maintenance, overhaul, fuel, crew, landing, airport and navigation charges, certain taxes, licenses, consents 
and approvals, aircraft registration and insurance premiums.  Typically, the lessee is required to make payments for heavy 
maintenance, overhaul or replacement of certain high-value components of the aircraft.  These maintenance payments are 
based on hours or cycles of utilization or on calendar time, depending upon the component, and are required to be made 
monthly in arrears or at the end of the lease term.  Our determination of whether to permit a lessee to make a single maintenance 
payment at the end of the lease term, rather than requiring such payments to be made monthly, depends on a variety of 
factors, including the creditworthiness of the lessee, the amount of security deposit which may be provided by the lessee 
and market conditions at the time.  If a lessee is making monthly maintenance payments, we would typically be obligated 
to use the funds paid by the lessee during the lease term to reimburse the lessee for costs they incur for heavy maintenance, 
overhaul or replacement of certain high-value components, usually shortly following completion of the relevant work.  If 
a lease requires an end of lease term maintenance payment, typically the lessee would be required to pay us for its utilization 
of  the  aircraft  during  the  lease.    In  some  cases,  however,  we  may  owe  a  net  payment  to  the  lessee  in  the  event  heavy 
maintenance is performed and paid for by the lessee during the lease term and the aircraft is returned to us in better condition 
than at lease inception.

6

Many of our leases also contain provisions requiring us to pay a portion of the cost of modifications to the aircraft 
performed by the lessee at its expense, if such modifications are mandated by recognized airworthiness authorities.  Typically, 
these provisions would set a threshold, below which the lessee would not have a right to seek reimbursement and above 
which we may be required to pay a portion of the cost incurred by the lessee.  The lessees are obliged to remove liens on 
the aircraft other than liens permitted under the leases.

Our leases generally provide that the lessees’ payment obligations are absolute and unconditional under any and all 
circumstances and require lessees to make payments without withholding payment on account of any amounts the lessor 
may owe the lessee or any claims the lessee may have against the lessor for any reason, except that under certain of the 
leases a breach of quiet enjoyment by the lessor may permit a lessee to withhold payment.  The leases also generally include 
an obligation of the lessee to gross up payments under the lease where lease payments are subject to withholding and other 
taxes, although there may be some limitations to the gross up obligation, including provisions which do not require a lessee 
to gross up payments if the withholdings arise out of our ownership or tax structure.  In addition, changes in law may result 
in the imposition of withholding and other taxes and charges that are not reimbursable by the lessee under the lease or that 
cannot be so reimbursed under applicable law.  Lessees may fail to reimburse us even when obligated under the lease to do 
so.  Our leases also generally require the lessee to indemnify the lessor for tax liabilities relating to the leases and the aircraft, 
including in most cases, value added tax and stamp duties, but excluding income tax or its equivalent imposed on the lessor.

Portfolio Risk Management

Our  objective  is  to  build  and  maintain  a  lease  portfolio  which  is  balanced  and  diversified  and  delivers  returns 
commensurate with risk.  We have portfolio concentration objectives to assist in portfolio risk management and highlight 
areas where action to mitigate risk may be appropriate, and take into account the following:

• 
• 
• 
• 
• 

individual lessee exposures;
geographic concentrations;
aircraft type concentrations;
portfolio credit quality distribution; and
lease maturity distribution.

We have a risk management team which undertakes detailed due diligence on lessees when aircraft are being acquired 

with a lease already in place and for placement of aircraft with new lessees following lease expiration or termination.

Lease Management and Remarketing

Our aircraft re-leasing strategy is to develop opportunities proactively, well in advance of scheduled lease expiration, 
to enable consideration of a broad set of alternatives, including deployment, sale or part-out, and to allow for reconfiguration 
or maintenance lead times where needed.  We also take a proactive approach to monitoring the credit quality of our customers, 
and may seek early return and redeployment of aircraft if we feel that a lessee is unlikely to perform its obligations under 
a lease.  We have invested significant resources in developing and implementing what we consider to be state-of-the-art 
lease management information systems and processes to enable efficient management of aircraft in our portfolio.

Other Aviation Assets and Alternative New Business Approaches

We believe investment opportunities may arise in related areas such as financing secured by commercial jet aircraft 
as well as jet engine and spare parts leasing, trading and financing.  In the future, we may make opportunistic investments 
in these or other sectors or in other aviation-related assets, and we intend to continue to explore other income-generating 
activities and investments.

We established Lancaster, a joint venture with Teachers’ in December 2013 to invest in leased aircraft.  This joint 
venture is aimed at leveraging our capabilities and allowing us to pursue larger opportunities than we would have on our 
own.  At February 7, 2017, Teachers’ holds 10.0% of our outstanding common shares. 

In February 2016, through the Company’s relationship with Marubeni, we established IBJ Air, a new joint venture 
with the leasing arm of IBJL.  IBJ Air is targeted at newer narrow-body aircraft leased to premier airlines, providing Aircastle 
with increased access to this market sector and to these customers.

7

We  source  and  service  investments  for  Lancaster  and  IBJ  Air  and  provide  marketing,  asset  management  and 
administrative services to them.  We are paid market-based fees for those services, which are recorded in Other revenue in 
our Consolidated Statements of Income.

We believe we have a world class servicing platform and may also pursue opportunities to capitalize on these capabilities 

such as providing aircraft management services for third party aircraft owners.

Competition

The aircraft leasing and trading industry is highly competitive with a significant number of active participants.  We 
face competition for the acquisition of aircraft from airlines and other aircraft owners, for the placement of aircraft on lease 
with airlines and for buyers of aircraft assets which we may wish to divest.

Competition for aircraft acquisitions comes from large established aircraft leasing companies, smaller players, and 
new entrants.  The improvement in financial markets conditions over the past several years has increased competition across 
most asset types and has drawn many new investors to our business.

Larger lessors are generally more focused on acquiring new aircraft via purchase and lease-back transactions with 
airlines  and  through  direct  orders  with  the  original  equipment  manufacturers.   These  larger  lessors  include  GE  Capital 
Aviation  Services, AerCap  Holdings, Air  Lease  Corporation, Aviation  Capital  Group,  CIT Aerospace,  SMBC Aviation 
Capital, BOC Aviation and Avolon Holdings/Bohai Leasing.  In addition, several major Asian financial institutions have 
entered the market for new aircraft over the past several years through new leasing subsidiaries and have been pursuing 
business aggressively.

Many aircraft leasing companies appear to be in the midst of significant changes, which have the potential to affect 
the industry structure.  Bank of China completed an initial public offering for their leasing subsidiary, BOC Aviation, in 
May 2016.  After acquiring Avolon Holdings in 2015, Bohai Leasing, a Chinese leasing company affiliated with HNA Group, 
announced  an  agreement  to  acquire  CIT Aerospace  in  October  2016,  subject  to  various  regulatory  approvals.   AWAS’ 
ownership group is reported to be exploring exit alternatives.

Competition for mid-aged and older aircraft typically comes from smaller players that, in many cases, rely on private 
equity or hedge fund capital sources.  Such competitors include Apollo Aviation Group, Deucalion, Castlelake, Alterna 
Capital Partners and a number of relatively new players funded by alternative investment funds and companies.  These 
companies are typically fund-based, rather than having permanent capital structures, and have benefited from the substantially 
improved availability of debt financing for mid-aged aircraft.

Competition for leasing or re-leasing of aircraft, as well as aircraft sales, is based principally upon the availability, 
type and condition of aircraft, lease rates, prices and other lease terms.  Aircraft manufacturers, airlines and other operators, 
distributors, equipment managers, leasing companies, financial institutions and other parties engaged in leasing, managing, 
marketing or remarketing aircraft compete with us, although their focus may be on different market segments and aircraft 
types.

Some of our competitors have, or may obtain, greater financial resources than we have and may have a lower cost of 
capital. A number also commit to speculative orders of new aircraft to be placed on operating lease upon delivery from the 
manufacturer, which compete with new and used aircraft offered by other lessors.  However, we believe that we are able to 
compete  favorably  in  aircraft  acquisition,  leasing  and  sales  activities  due  to  the  reputation  of  our  team  of  experienced 
professionals, extensive market contacts and expertise in sourcing and acquiring aircraft.  We also believe our access of 
unsecured capital markets debt provides us with a competitive advantage in pursuing investments quickly and reliably and 
in acquiring aircraft in situations for which it may be more difficult to finance on a secured, non-recourse basis.

Employees

As of December 31, 2016, we had 102 employees.  None of our employees are covered by a collective bargaining 
agreement, and we believe that we maintain excellent employee relations.  We provide certain employee benefits, including 
retirement benefits, and health, life, disability and accident insurance plans.

8

Insurance

We require our lessees to carry airline general third-party legal liability insurance, all-risk aircraft hull insurance (both 
with respect to the aircraft and with respect to each engine when not installed on our aircraft) and war-risk hull and legal 
liability insurance.  We are named as an additional insured on liability insurance policies carried by our lessees, and we or 
one of our lenders would typically be designated as a loss payee in the event of a total loss of the aircraft.  We maintain 
contingent hull and liability insurance coverage with respect to our aircraft which is intended to provide coverage for certain 
risks, including the risk of cancellation of the hull or liability insurance maintained by any of our lessees without notice to 
us, but which excludes coverage for other risks such as the risk of insolvency of the primary insurer or reinsurer.

We maintain insurance policies to cover non-aviation risks related to physical damage to our equipment and property, 
as well as with respect to third-party liabilities arising through the course of our normal business operations (other than 
aircraft operations).  We also maintain limited business interruption insurance to cover a portion of the costs we would expect 
to incur in connection with a disruption to our main facilities, and we maintain directors’ and officers’ liability insurance 
providing coverage for liabilities related to the service of our directors, officers and certain employees.  Consistent with 
industry practice, our insurance policies are generally subject to deductibles or self-retention amounts.

We believe the insurance coverage currently carried by our lessees and by Aircastle provides adequate protection 
against the accident-related and other covered risks involved in the conduct of our business.  However, there can be no 
assurance that we have adequately insured against all risks, that lessees will at all times comply with their obligations to 
maintain insurance, that our lessees’ insurers and re-insurers will be or will remain solvent and able to satisfy any claims, 
that any particular claim will ultimately be paid or that we will be able to procure adequate insurance coverage at commercially 
reasonable rates in the future.

Government Regulation

The air transportation industry is highly regulated.  In general, we are not directly subject to most air transportation 
regulations because we do not operate aircraft. In contrast, our lessees are subject to extensive, direct regulation under the 
laws of the jurisdictions in which they are registered and under which they operate. Such laws govern, among other things, 
the  registration,  operation,  security,  and  maintenance  of  our  aircraft,  as  well  as  environmental  and  financial  oversight 
regulation of their operations.

Our customers may also be subject to noise or emissions regulations in the jurisdictions in which they operate our 
aircraft.  In  July  2016,  the  U.S.  Environmental  Protection Agency  (“EPA”)  determined  that  Greenhouse  Gas  (“GHG”) 
emissions from certain aircraft engines contribute to the pollution that causes climate change and endangers Americans’ 
health and the environment. The findings are for carbon dioxide (CO2), methane, nitrous oxide, hydrofluorocarbons (HFCs), 
perfluorocarbons (PFCs), and sulfur hexafluoride (SF6).  At that time, the EPA indicated its intention to promulgate new 
rules to adopt GHG standards promulgated by the International Civil Aviation Organization (“ICAO”).  In October 2016, 
ICAO adopted a global market-based measure to control CO2 emissions from international aviation.  The pilot phase of this 
measure will begin in 2021, and the mandatory phase begins in 2027.  In addition, European countries generally have strict 
environmental regulations, and, in particular, the European Union (“E.U.”) has included flights originating or landing in the 
E.U. in the European Emissions Trading Scheme (“ETS”).  The United States, China and other countries continue to oppose 
the inclusion of aviation emissions in ETS.  Other environmental regulations our customers may be subject to include those 
relating to discharges to surface and subsurface waters, management of hazardous substances, oils, and waste materials, and 
other regulations affecting their aircraft operations.

Inflation

Inflation affects our lease rentals, asset values and costs, including SG&A expenses and other expenses.  We do not 

believe that our financial results have been, or will be, adversely affected by inflation in a material way.

Subsequent Events

The Company’s management has reviewed and evaluated all events or transactions for potential recognition and/or 
disclosure since the balance sheet date of December 31, 2016 through the date of this filing, the date on which the consolidated 
financial statements included in this Form 10-K were issued.

9

ITEM 1A.  RISK FACTORS 

In addition to the other information set forth in this report, you should carefully consider the following factors, which 
could materially adversely affect our business, financial condition, results of operations or ability to pay dividends in 
future periods or to meet our debt obligations.  The risks described below are not the only risks facing our Company. 
Additional risks not currently known to us or that we currently deem to be immaterial also may materially adversely affect 
our business, financial condition, results of operations or ability to pay dividends in future periods.

Risks Related to Our Business

Risks Related to Our Operations

Volatile financial market conditions may adversely impact our liquidity, our access to capital and our cost of capital and 
may adversely impact the airline industry and the financial condition of our lessees.

The financial crisis that began in the second half of 2008 resulted in significant global market volatility and disruption 
and a lack of liquidity.  While these conditions have stabilized and many segments of the capital markets have improved 
substantially since the first quarter of 2009, the availability and pricing of capital in the commercial bank market and in the 
unsecured bond market remain susceptible to global events, including, for example, political changes in the U.S. and abroad, 
rising interest rates, a strengthening dollar, the rate of China’s economic growth and implications from changes in oil prices.  
If we need, but cannot obtain, adequate capital on satisfactory terms, or at all, as a result of negative conditions in the capital 
markets or otherwise, our business, financial condition, results of operations or our ability to pay dividends to our shareholders 
could be materially adversely affected.  Additionally, such inability to obtain capital on satisfactory terms, or at all, could 
prevent us from pursuing attractive future growth opportunities.

Risks affecting the airline industry may adversely affect our customers and have a material adverse impact on our financial 
results.

We operate as a supplier to airlines and are indirectly impacted by all the risks facing airlines today.  The ability of 
each lessee to perform its obligations under the relevant lease will depend primarily on the lessee’s financial condition and 
cash flow, which may be affected by factors beyond our control, including:

• 
• 
• 
• 

• 

• 

• 
• 
• 
• 

• 

• 
• 

passenger and air cargo demand;
competition;
passenger fare levels and air cargo rates;
the  continuing  availability  of  government  support,  whether  through  subsidies,  loans,  guarantees,  equity 
investments or otherwise;
availability of financing and other circumstances affecting airline liquidity, including covenants in financings, 
terms imposed by credit card issuers, collateral posting requirements contained in fuel hedging contracts and the 
ability of airlines to make or refinance principal payments as they come due;
geopolitical and other events, including war, acts or threats of terrorism, outbreaks of epidemic diseases and 
natural disasters;
aircraft accidents;
operating costs, including the price and availability of jet fuel, labor costs and insurance costs and coverages;
restrictions in labor contracts and labor difficulties;
economic conditions, including recession, financial system distress and currency fluctuations in the countries and 
regions in which the lessee operates or from which the lessee obtains financing;
changing political conditions, including risk of rising protectionism, restrictions on immigration or imposition of 
new trade barriers;
cyber risk, including information hacking, viruses and malware; and
governmental regulation of, or affecting the air transportation business, including noise regulations, emissions 
regulations, climate change initiatives, and aircraft age limitations.

10

These factors, and others, may lead to defaults by our customers, or may delay or prevent aircraft deliveries or transitions, 
result in payment restructurings or other lease term restructurings, and may increase our costs from repossessions and reduce 
our revenues due to downtime or lower re-lease rates.

We bear the risk of re-leasing and selling our aircraft in order to meet our debt obligations, finance our growth and 
operations, pay dividends and, ultimately, realize upon the investment in the aircraft in our portfolio.

We bear the risk of re-leasing and selling or otherwise disposing of our aircraft in order to continue to generate revenues. 
In certain cases we commit to purchase aircraft that are not subject to lease and therefore are subject to lease placement risk.  
Because only a portion of an aircraft’s value is covered by contractual cash flows from an operating lease, we are exposed 
to the risk that the residual value of the aircraft will not be sufficient to permit us to fully recover or realize a gain on our 
investment in the aircraft and to the risk that we may have to record impairment charges.  Further, our ability to re-lease, 
lease or sell aircraft on favorable terms, or at all, or without significant off-lease time and transition costs is likely to be 
adversely impacted by risks affecting the airline industry generally.

Other factors that may affect our ability to realize upon the investment in our aircraft and that may increase the likelihood 
of impairment charges, include higher fuel prices which may reduce demand for older, less fuel efficient aircraft, additional 
environmental regulations, age restrictions, customer preferences and other factors that may effectively shorten the useful 
life of older aircraft. 

We own and lease long-lived assets and have written down the value of some of our assets in prior years, and if market 
conditions worsen, or in the event of a customer default, we may be required to record further write-downs.

We test our assets for recoverability whenever events or changes in circumstances indicate that the carrying amounts 
for such assets are not recoverable from their expected, undiscounted cash flows.  We also perform a fleet-wide recoverability 
assessment annually.  This recoverability assessment is a comparison of the carrying value of each aircraft to its undiscounted 
expected future cash flows.  We develop the assumptions used in the recoverability assessment, including those relating to 
current and future demand for each aircraft type, based on management’s experience in the aircraft leasing industry as well 
as from information received from third party sources.

If anticipated aircraft lease cash flows or sales values worsen due to a decline in market conditions, or if a lessee 
defaults, we may have to reassess the carrying value of one or more of our aircraft.  For example, as aircraft approach the 
end of their economic useful lives, their carrying values may be more susceptible to non-recoverable declines in value 
because such assets will have a shorter opportunity in which to benefit from a market recovery.  At December 31, 2016, our 
monitoring list consisted of thirteen aircraft with a total net book value of $549.2 million, which represents aircraft that may 
be more susceptible to future impairments.  As such, it is possible that additional impairments may be triggered for these 
aircraft and any such impairment amounts may be material.

Our financial reporting for lease revenue may be significantly impacted by a proposed new model for lease accounting.

On February 25, 2016, the FASB issued Accounting Standards Codification (“ASC”) 842, “Leases,” which replaced 
the existing guidance in ASC 840, Leases (“ASC 840”).   The accounting for leases by lessors basically remained unchanged 
from the concepts that existed in ASC 840 accounting.  The FASB decided that lessors would be precluded from recognizing 
selling profit and revenue at lease commencement for any sales-type or direct finance lease that does not transfer control of 
the underlying asset to the lessee.  This requirement aligns the notion of what constitutes a sale in the lessor accounting 
guidance with that in the forthcoming revenue recognition standard, which evaluates whether a sale has occurred from the 
customer’s perspective.  The standard will be effective for public entities beginning after December 15, 2018.  The standard 
is applied on a “modified retrospective” basis.  We plan to adopt the standard on its required effective date of January 1, 
2019.  We are evaluating the impact that ASC 842 will have on our consolidated financial statements and related disclosures.  
Although we do not believe that the adoption of the standard will significantly impact our existing or potential lessees' 
economic decisions to lease aircraft, the ultimate impact on our existing or potential lessees remains uncertain.

Our ability to obtain debt financing and our cost of debt financing is, in part, dependent upon our credit ratings and a 
credit downgrade could adversely impact our financial results.

Our ability to obtain debt financing and our cost of debt financing is dependent, in part, on our credit ratings.  Maintaining 
our credit ratings depends in part on strong financial results and in part on other factors, including the outlook of the ratings 
agencies on our sector and on the market generally.  A credit rating downgrade may result in higher pricing or less favorable 
terms under secured financings, including ECA backed financings, or may make it more difficult or more costly for us to 
11

raise debt financing in the unsecured bond market.  Credit rating downgrades may therefore make it more difficult and/or 
more costly to satisfy our funding requirements.  In addition, any future tightening or regulation of financial institutions 
(such as BASEL 4), including increasing capital reserves, could impact our ability to raise funds in the commercial bank 
loan market in the future.

An  increase  in  our  borrowing  costs  may  adversely  affect  our  earnings  and  cash  available  for  distribution  to  our 
shareholders. 

Our aircraft are financed under long-term debt financings.  As these financings mature, we will be required to either 
refinance these instruments by entering into new financings, which could result in higher borrowing costs, or repay them 
by using cash on hand or cash from the sale of our assets.

Departure of key officers could harm our business and financial results.

Our senior management’s reputations and relationships with lessees, sellers, buyers and financiers of aircraft are a 
critical element of our business.  We encounter intense competition for qualified employees from other companies in the 
aircraft leasing industry, and we believe there are only a limited number of available qualified executives in our industry.  
The  Company  seeks  to  retain  a  pipeline  of  senior  management  personnel  with  superior  talent  to  provide  continuity  of 
succession, including for the Chief Executive Officer position and other senior positions.  In addition, our Board of Directors 
is involved in succession planning, including review of short- and long-term succession plans for the Chief Executive Officer 
and other senior positions.  Our future success depends, to a significant extent, upon the continued service of our senior 
management personnel, including the Chief Executive Officer and his potential successors, and if we lose one or more of 
these individuals, our business could be adversely affected.

We may not be able to pay or maintain dividends, or we may choose not to pay dividends, and the failure to pay or maintain 
dividends may adversely affect our share price.

On October 28, 2016, our Board of Directors declared a regular quarterly dividend of $0.26 per common share, or an 
aggregate of approximately $20.4 million, which was paid on December 15, 2016 to holders of record on November 29, 
2016.  This dividend may not be indicative of the amount of any future quarterly dividends.  Our ability to pay, maintain or 
increase cash dividends to our shareholders is subject to the discretion of our Board of Directors and will depend on many 
factors, including: our ability to comply with financial covenants in our financing documents that limit our ability to pay 
dividends and make certain other restricted payments; the difficulty we may experience in raising, and the cost of, additional 
capital and our ability to finance our aircraft acquisition commitments; our ability to re-finance our long-term financings; 
our ability to negotiate and enforce favorable lease rates and other contractual terms; the level of demand for our aircraft in 
the lease placement or sales markets; the economic condition of the commercial aviation industry generally; the financial 
condition and liquidity of our lessees; unexpected or increased aircraft maintenance or other expenses; the level and timing 
of capital expenditures, principal repayments and other capital needs; maintaining our credit ratings, our results of operations, 
financial condition and liquidity; legal restrictions on the payment of dividends, including a statutory dividend test and other 
limitations under Bermuda law; and general business conditions and other factors that our Board of Directors deems relevant.  
Some of these factors are beyond our control.  In the future, we may choose to not pay dividends or may not be able to pay 
dividends, maintain our current level of dividends, or increase them over time.  The failure to maintain or pay dividends 
may adversely affect our share price.

We are subject to risks related to our indebtedness that may limit our operational flexibility and our ability to compete 
with our competitors.

As of December 31, 2016, our total indebtedness was approximately $4.5 billion, representing approximately 71.1% 
of our total capitalization.  Aircastle Limited has guaranteed most of this indebtedness and we are responsible on a full 
recourse basis for timely payment when due and compliance with covenants under the related debt documentation.  As a 
result of our substantial amount of indebtedness, we may be unable to generate sufficient cash to pay, when due, the principal 
of, interest on or other amounts due with respect to our indebtedness, and our substantial amount of indebtedness may 
increase our vulnerability to adverse economic and industry conditions, reduce our flexibility in planning for or reaction to 
changes in the business environment or in our business or industry, and adversely affect our cash flow and our ability to 
operate our business and compete with our competitors.

Our indebtedness subjects us to certain risks, including:

12

• 

• 

• 

29% of our net book value serves as collateral for our secured indebtedness, and the terms of certain of our 
indebtedness require us to use proceeds from sales of aircraft, in part, to repay amounts outstanding under such 
indebtedness;
our failure to comply with the terms of our indebtedness, including restrictive covenants contained therein, may 
result in additional interest being due or defaults that could result in the acceleration of the principal, and unpaid 
interest on, the defaulted debt, as well as the forfeiture of any aircraft pledged as collateral; and
non-compliance  with  covenants  prohibiting  certain  investments  and  other  restricted  payments,  including 
limitations on our ability to pay dividends, repurchase our common shares, raise additional capital or refinance 
our existing debt, may reduce our operational flexibility and limit our ability to refinance or grow the business.

Risks Related to Our Long-term Financings

The provisions of our long-term financings require us to comply with financial and other covenants.  Our compliance 
with these ratios, tests and covenants depends upon, among other things, the timely receipt of lease payments from our 
lessees and upon our overall financial performance.

•  ECA Financings. Our ECA Financings contain a $500 million minimum net worth covenant and also contain, 
among other customary provisions, a material adverse change default and a cross-default to certain other financings 
of the Company. 

• 

•  Bank  Financings. Our  secured  bank  financings  contain,  among  other  customary  provisions,  a  $500  million 
minimum net worth covenant, a cross-default to certain other financings of the Company, and for one portfolio 
financing, a minimum debt service coverage ratio of 1.15.
Senior Notes. Our senior notes indentures impose operating and financial restrictions on our activities.  These 
restrictions  limit  our  ability  to,  or  in  certain  cases  prohibit  us  from,  incurring  or  guaranteeing  additional 
indebtedness, refinancing our existing indebtedness, paying dividends, repurchasing our common shares, making 
other restricted payments, making certain investments or entering into joint ventures and a cross-default to certain 
other financings of the Company.

•  Unsecured Revolving Credit Facilities and Loan.  Our unsecured revolving credit facilities/loan contain $750 
million minimum net worth covenants, minimum unencumbered asset ratios, minimum interest coverage ratios 
and cross-defaults to certain other financings of the Company.

The terms of our financings also restrict our ability to incur or guarantee additional indebtedness or engage in mergers, 
amalgamations or consolidations among our subsidiary companies or between a subsidiary company and a third party or 
otherwise dispose of all or substantially all of our assets.

We are subject to various risks and requirements associated with transacting business in foreign jurisdictions.

The international nature of our business exposes us to trade and economic sanctions and other restrictions imposed by 
the U.S. and other governments.  The U.S. Departments of Justice, Commerce and Treasury, as well as other agencies and 
authorities have a broad range of civil and criminal penalties they may seek to impose against companies for violations of 
export controls, the Foreign Corrupt Practices Act (“FCPA”), and other federal statutes, sanctions and regulations, including 
those established by the Office of Foreign Assets Control (“OFAC”) and, increasingly, similar or more restrictive foreign 
laws, rules and regulations, including the U.K. Bribery Act (“UKBA”), which may also apply to us.  By virtue of these laws 
and regulations, and under laws and regulations in other jurisdictions, we may be obliged to limit our business activities, 
we may incur costs for compliance programs and we may be subject to enforcement actions or penalties for noncompliance.  
In recent years, U.S. and foreign governments have increased their oversight and enforcement activities with respect to these 
laws, and we expect the relevant agencies to continue to increase these activities. 

We  have  compliance  policies  and  training  programs  in  place  for  our  employees  with  respect  to  FCPA,  OFAC 
Regulations, UKBA and similar laws, but there can be no assurance that our employees, consultants or agents will not engage 
in conduct for which we may be held responsible. Violations of FCPA, OFAC Regulations, UKBA and other laws, sanctions 
or regulations may result in severe criminal or civil penalties, and we may be subject to other liabilities.

13

We  are  dependent  upon  information  technology  systems,  which  are  subject  to  disruption,  damage,  failure  and  risks 
associated with implementation and integration.

We are dependent upon information technology systems to manage, process, store and transmit information associated 
with our operations, which may include proprietary business information and personally identifiable information of our 
customers and employees.  Our information technology systems are subject to disruption, damage or failure from a variety 
of sources, including, without limitation, computer viruses, security breaches, cyber-attacks, employee error, natural disasters 
and  defects  in  design.  Damage,  disruption,  or  failure  of  one  or  more  information  technology  systems  may  result  in 
interruptions to our operations in the interim or may require a significant investment to fix or replace them or may result in 
significant damage to our reputation.  Although various measures have been implemented to manage our risks related to the 
information technology systems and network disruptions, a cyber-attack could lead to the loss of sensitive information, 
including our own proprietary information or that of our customers and employees, and could harm our reputation and result 
in lost revenues and additional costs and potential liabilities. 

Risks Related to Our Aviation Assets

The variability of supply and demand for aircraft could depress lease rates for our aircraft, which would have an adverse 
effect on our financial results and growth prospects.

The aircraft leasing and sales industry has experienced periods of aircraft oversupply and undersupply.  In recent years, 
we believe the market has been characterized by oversupply of certain older, less fuel efficient aircraft and certain freighter 
aircraft types.  More recently, the values of certain types of wide-body aircraft have been under stress but it is unclear whether 
this is a temporary market imbalance or a long term trend.  The oversupply of a specific type of aircraft in the market is 
likely to depress aircraft lease rates for, and the value of, that type of aircraft.

The supply and demand for aircraft is affected by various cyclical and non-cyclical factors that are not under our 

control, including:

passenger and air cargo demand;
operating costs, including fuel costs, and general economic conditions affecting our lessees’ operations;
geopolitical events, including war, prolonged armed conflict and acts of terrorism;
outbreaks of communicable diseases and natural disasters;
governmental regulation;
interest rates;
foreign exchange rates;
tariffs and other restrictions on trade;
airline restructurings and bankruptcies;
the availability of credit;
changes in control of, or restructurings of, other aircraft leasing companies;

• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
•  manufacturer production levels and technological innovation;
• 
• 

discounting by manufacturers on aircraft types nearing end of production;
climate change initiatives, technological change, aircraft noise and emissions regulations, aircraft age limits and 
other factors leading to reduced demand for, early retirement or obsolescence of aircraft models;

•  manufacturers merging, exiting the industry or ceasing to produce aircraft types;
• 

new-entrant  manufacturers  producing  additional  aircraft  models,  or  existing  manufacturers  producing  newly 
engined aircraft models or new aircraft models, in competition with existing aircraft models;
reintroduction into service of aircraft previously in storage; and
airport and air traffic control infrastructure constraints.

• 
• 

These and other factors may produce sharp decreases or increases in aircraft values and lease rates, which would impact 
our cost of acquiring aircraft and our ability to grow the business, or which may result in lease defaults and also prevent the 
aircraft from being re-leased or sold on favorable terms.  This could have an adverse effect on our financial results and 
growth prospects.

14

Other factors that increase the risk of decline in aircraft value and lease rates could have an adverse effect on our financial 
results and growth prospects.

In addition to factors linked to the aviation industry generally, other factors that may affect the value and lease rates 

of our aircraft include:

the age of the aircraft;
the particular maintenance and operating history of the airframe and engines;
the number of operators using that type of aircraft;

• 
• 
• 
•  whether the aircraft is subject to a lease and, if so, whether the lease terms are favorable to us;
• 

applicable airworthiness directives or manufacturer’s service bulletins that have not yet been performed to the 
aircraft;
grounding orders or other regulatory action that could prevent or limit utilization of our aircraft;
any regulatory and legal requirements that must be satisfied before the aircraft can be purchased, sold or re-
leased; and
compatibility of our aircraft configurations or specifications with those desired by the operators of other aircraft 
of that type.

• 
• 

• 

Any decrease in the values of and lease rates for commercial aircraft which may result from the above factors or other 

unanticipated factors may have a material adverse effect on our financial results and growth prospects.

The advent of superior aircraft technology and higher production levels could cause our existing aircraft portfolio to 
become outdated and therefore less desirable.

As manufacturers introduce technological innovations and new types of aircraft, including the Boeing 787, the Airbus 
A350, the Bombardier C Series and re-engined and/or replacement types for the Boeing 737, Boeing 777, Airbus A320, 
Airbus A330 and Embraer E-Jet families of aircraft, certain aircraft in our existing aircraft portfolio may become less desirable 
to potential lessees or purchasers. This next generation of aircraft is expected to deliver improved fuel consumption and 
reduced noise and emissions with lower operating costs compared to current-technology aircraft.  The Boeing 787 is currently 
in production while the Boeing 777X is expected to enter service in 2020-2021. The first variant of the Airbus A350 entered 
service in December 2014.  The Airbus A320neo and the Bombardier C Series entered service in 2016.  The Boeing 737 
MAX family of aircraft is expected to enter service in 2017 and first deliveries for the Airbus A330neo and Embraer’s second 
generation of E-Jets, the E-2 family, are expected to begin in 2018.  Further, Commercial Aircraft Corporation of China 
Ltd., Mitsubishi and Russia's United Aircraft Corporation are developing aircraft models that will compete with the Airbus 
A319, the Boeing 737 and the Embraer E-Jet.

The introduction of these new models, and the potential resulting overcapacity in aircraft supply, could adversely affect 
the residual values and the lease rates for our aircraft and our ability to lease or sell our aircraft on favorable terms, or at all.

The effects of energy, emissions, and noise regulations and policies may negatively affect the airline industry. This may 
cause lessees to default on their lease payment obligations to us and may limit the market for certain aircraft in our 
portfolio.

Governmental regulations regarding aircraft and engine noise and emissions levels apply based on where the relevant 
aircraft is registered and operated. For example, jurisdictions throughout the world have adopted noise regulations which 
require all aircraft to comply with noise level standards. In addition to the current requirements, the United States and ICAO 
have adopted a new, more stringent set of standards for noise levels which applies to engines manufactured or certified on 
or after January 1, 2006. Currently, U.S. regulations would not require any phase-out of aircraft that qualify with the older 
standards applicable to engines manufactured or certified prior to January 1, 2006, but the E.U. has established a framework 
for the imposition of operating limitations on aircraft that do not comply with the new standards. These regulations could 
limit the economic life of the aircraft and engines, reduce their value, limit our ability to lease or sell these non-compliant 
aircraft and engines or, if engine modifications are permitted, require us to make significant additional investments in the 
aircraft and engines to make them compliant.

In addition to stringent noise restrictions, the U.S. and other jurisdictions have imposed stringent limits on aircraft 
engine emissions, such as NOx, CO and CO2, consistent with current ICAO standards. European countries have relatively 
strict environmental regulations that can restrict operational flexibility and decrease aircraft productivity.  The E.U. has 

15

included the aviation sector in its emissions trading scheme ("ETS"), and has attempted to apply the ETS to flights outside 
of European airspace.  This effort has been opposed by the U.S. and other countries. The E.U. suspended the ETS for flights 
from or to non- European countries in 2013, but absent amendment, the ETS applies to flights outside of Europe in 2017. 
Finally,  ICAO  has  also  adopted  a  resolution  developing  a  global  market-based  measure  to  control  CO2  emission  from 
international aviation, which begins in 2021.  As noted above, the U.S. EPA announced in 2016 its intent to promulgate and 
adopt a rule to incorporate these new standards into domestic law.

Additionally, in 2015, over 190 countries, including the United States, reached an agreement to reduce global GHG 
emissions at the United Nations Framework Convention on Climate. The agreement does not expressly reference aviation, 
but if the agreement is implemented in the United States and other countries there could be an adverse direct or indirect 
effect on the aviation industry as a whole.

Over time, it is possible that governments will adopt additional regulatory requirements and/or market-based policies 
that are intended to reduce energy usage, emissions, and noise levels from aircraft. Such initiatives may be based on concerns 
regarding climate change, energy security, public health, local impacts, or other factors, and may also impact the global 
market for certain aircraft and cause behavioral shifts that result in decreased demand for air travel. These concerns could 
also result in greater limitations on the operation of our fleet, particularly aircraft equipped with older technology engines.

Compliance with current or future regulations, taxes or duties could cause our lessees to incur higher costs and lead 
to higher ticket prices, which could mean lower demand for travel and adverse impacts on the financial condition of our 
lessees. Such compliance may also affect our lessees’ ability to make rental and other lease payments and limit the market 
for aircraft in our portfolio, which could have other negative effects on our financial position.

The older age, or older technology, of some of our aircraft may expose us to higher than anticipated maintenance related 
expenses.

As of December 31, 2016, 9% of our aircraft portfolio, based on net book value, was fifteen years or older. In general, 
the costs of operating an aircraft, including maintenance expenditures, increase with the age of the aircraft.  Additionally, 
older aircraft typically are less fuel-efficient than newer aircraft and may be more difficult to re-lease or sell, particularly if, 
due  to  increasing  production  rates  by  aircraft  manufacturers  or  airline  insolvencies  or  other  distress,  older  aircraft  are 
competing with newer aircraft in the lease or sale market.  Expenses like fuel, aging aircraft inspections, maintenance or 
modification programs and related airworthiness directives could make the operation of older aircraft less economically 
feasible and may result in increased lessee defaults.  We may also incur some of these increased maintenance expenses and 
regulatory costs upon acquisition or re-leasing of our aircraft.  Re-leasing larger wide-body aircraft may result in higher 
reinvestment and maintenance expenditures than re-leasing narrow-body aircraft.

The concentration of aircraft types in our aircraft portfolio could lead to adverse effects on our business and financial 
results should any difficulties specific to these particular types of aircraft occur.

Our owned aircraft portfolio is concentrated in certain aircraft types.  Should any of these aircraft types (or other types 
we acquire in the future) or aircraft manufacturers encounter technical, financial or other difficulties, it would cause a decrease 
in value of these aircraft, an inability to lease the aircraft on favorable terms or at all, or a potential grounding of these 
aircraft, which may adversely impact our financial results, to the extent the affected aircraft types comprise a significant 
percentage of our aircraft portfolio. 

We operate in a highly competitive market for investment opportunities in aviation assets and for the leasing and sale of 
aircraft.

We compete with other operating lessors, airlines, aircraft manufacturers, financial institutions, aircraft brokers and 
other investors with respect to aircraft acquisitions, leasing and sales.  The aircraft leasing industry is highly competitive 
and may be divided into three basic activities: (i) aircraft acquisition; (ii) leasing or re-leasing of aircraft; and (iii) aircraft 
sales.  Competition varies among these three basic activities.

A number of our competitors are substantially larger and have considerably greater financial, technical and marketing 
resources than we do.  Some competitors may have a lower cost of funds and access to funding sources that are not available 
to us.  In addition, some of our competitors may have higher risk tolerances or different risk or residual value assessments, 
which could allow them to consider a wider variety of investments, establish more relationships, bid more aggressively on 
aviation assets available for sale and offer lower lease rates or sales prices than we can. Some of our competitors may provide 
financial services, maintenance services or other inducements to potential lessees or buyers that we cannot provide.  As a 
16

result of competitive pressures, we may not be able to take advantage of attractive investment opportunities from time to 
time, and we may not be able to identify and make investments that are consistent with our investment objectives.  We are 
beginning to see a greater supply of certain aircraft, engines and parts being offered for sale in the part-out market as other 
leasing companies start addressing the older aircraft in their portfolios.  Additionally, the barriers to entry in the aircraft 
acquisition and leasing market are comparatively low, and new entrants with private equity, hedge fund, Asian bank or other 
funding sources appear from time to time.  We may not be able to compete effectively against present and future competitors 
in the aircraft acquisition, leasing or sales market.

Risks Related to our Order of New Embraer E-Jet E2 Aircraft

We have lease commitments for three of the 25 Embraer E-Jet E2 aircraft that we contracted to purchase from Embraer 
and are scheduled for delivery between the fourth quarter of 2018 and 2021.  We do not yet have lease commitments for the 
remaining deliveries nor have we put financing in place for any of the Embraer E-Jet E-2 aircraft deliveries.  Our ability to 
lease these aircraft on favorable terms, if at all, may be adversely affected by desirability of this new aircraft type and risks 
to the commercial airline industry generally.  If we are unable to obtain the necessary financing or otherwise satisfy our 
contractual obligations to Embraer, we will be subject to several potential risks, including:

• 

forfeiting advance deposits and progress payments to Embraer, as well as incurring certain significant costs related 
to these commitments such as actual damages and legal, accounting and financial advisory expenses; 

•  defaulting on any future lease commitments we may have entered into with respect to these aircraft, which could 

result in monetary damages and strained relationships with lessees; 

•  failing to realize the benefits of purchasing and leasing such aircraft; and 
• 

risking harm to our business reputation, which would make it more difficult to purchase and lease aircraft in the 
future on agreeable terms, if at all. 

In addition, the Embraer E-Jet E2 is a new aircraft variant under development and is not yet in production.  While the 
Embraer E-Jet E2 aircraft will incorporate a modified version of the recently introduced Pratt & Whitney geared turbofan 
engine, this version is also not in production.  Airframe and engine manufacturers have occasionally experienced delays and 
technical difficulties in bringing new aircraft and engine types to market.  If any aircraft for which we have made future 
lease  commitments  is  delayed  or  if  Embraer  is  unable  to  produce  the  aircraft  in  compliance  with  the  performance 
specifications, some or all of our affected lessees might be able to terminate their leases with respect to such aircraft.  Our 
purchase agreement with Embraer and the anticipated future leases for these aircraft contain certain cancellation rights 
related to delays in delivery.  Any such termination could strain our relations with those lessees going forward.  Lastly, we 
will rely on Embraer to return any advance deposits and progress payments if they are unable to meet their obligations to 
us, and we may not be able to recover such amounts if Embraer defaults or becomes insolvent.  Any of these events could 
materially and adversely affect our financial results and operations.

Risks Related to Our Leases

If lessees are unable to fund their maintenance obligations on our aircraft, we may incur increased costs at the conclusion 
of the applicable lease.

The standards of maintenance observed by the various lessees and the condition of the aircraft at the time of lease or 

sale may affect the future values and rental rates for our aircraft.

Under  our  leases,  the  relevant  lessee  is  generally  responsible  for  maintaining  the  aircraft  and  complying  with  all 
governmental requirements applicable to the lessee and the aircraft, including, without limitation, operational, maintenance, 
and registration requirements and airworthiness directives, although in certain cases we may agree to share certain of these  
costs.  Failure of a lessee to perform required aircraft maintenance or required airworthiness directives could result in a 
decrease in value of such aircraft, an adverse effect on our ability to lease the aircraft at favorable rates or at all, or a potential 
grounding of such aircraft, and will likely require us to incur increased maintenance and modification costs upon the expiration 
or earlier termination of the applicable lease, which could be substantial, to restore such aircraft to an acceptable condition.  
If any of our aircraft are not subject to a lease, we would be required to bear the entire cost of maintaining that aircraft and 
performing any required airworthiness directives.

Certain of our leases provide that the lessee is required to make periodic payments to us during the lease term in order 
to provide cash reserves for the major maintenance. In these leases there is an associated liability for us to reimburse the 

17

lessee after such maintenance is performed.  A substantial number of our leases do not provide for any periodic maintenance 
reserve payments to be made to us.  Typically, these lessees are required to make payments at the end of the lease term.   
However, in the event such lessees default, the value of the aircraft could be negatively affected by the maintenance condition 
and we may be required to fund the entire cost of performing major maintenance on the relevant aircraft without, in either 
case, having received compensating maintenance payments from these lessees.

Even  if  we  receive  maintenance  payments,  these  payments  may  not  cover  the  entire  expense  of  the  scheduled 
maintenance they are intended to fund. In addition, maintenance payments typically cover only certain scheduled maintenance 
requirements  and  do  not  cover  all  required  maintenance  and  all  scheduled  maintenance.   As  a  result,  we  may  incur 
unanticipated or significant costs at the conclusion of a lease.

Failure to pay certain potential additional operating costs could result in the grounding or arrest of our aircraft and 
prevent the re-lease, sale or other use of our aircraft.

As in the case of maintenance costs, we may incur other operational costs upon a lessee default or where the terms of 

the lease require us to pay a portion of those costs.  Such costs include:

• 

• 

• 

• 

the costs of casualty, liability and political risk insurance and the liability costs or losses when insurance coverage 
has not been or cannot be obtained as required, or is insufficient in amount or scope;
the costs of licensing, exporting or importing an aircraft, airport charges, customs duties, air navigation charges, 
landing fees and similar governmental or quasi-governmental impositions, which can be substantial;
penalties and costs associated with the failure of lessees to keep aircraft registered under all appropriate local 
requirements or obtain required governmental licenses, consents and approvals; and
carbon taxes or other fees, taxes or costs imposed under emissions limitations, climate change regulations or other 
initiatives.

The failure to pay certain of these costs can result in liens on the aircraft and the failure to register the aircraft can 
result in a loss of insurance.  These matters could result in the grounding or arrest of the aircraft and prevent the re-lease, 
sale or other use of the aircraft until the problem is cured.

Our lessees may have inadequate insurance coverage or fail to fulfill their respective indemnity obligations, which could 
result in us not being covered for claims asserted against us.

By virtue of holding title to the aircraft, lessors may be held strictly liable for losses resulting from the operation of 
aircraft or may be held liable for those losses based on other legal theories.  Liability may be placed on an aircraft lessor in 
certain jurisdictions around the world even under circumstances in which the lessor is not directly controlling the operation 
of the relevant aircraft.

Lessees are required under our leases to indemnify us for, and insure against, liabilities arising out of the use and 
operation of the aircraft, including third-party claims for death or injury to persons and damage to property for which we 
may be deemed liable.  Lessees are also required to maintain public liability, property damage and hull all risk and hull war 
risk insurance on the aircraft at agreed upon levels.  However, they are not generally required to maintain political risk 
insurance.  Following the terrorist attacks of September 11, 2001, aviation insurers significantly reduced the amount of 
insurance coverage available to airlines for liability to persons other than employees or passengers for claims resulting from 
acts of terrorism, war or similar events.  At the same time, they significantly increased the premiums for such third-party 
war risk and terrorism liability insurance and coverage in general.  As a result, the amount of such third-party war risk and 
terrorism liability insurance that is commercially available at any time may be below the amount stipulated in our leases.

Our lessees’ insurance, including any available governmental supplemental coverage, may not be sufficient to cover 
all types of claims that may be asserted against us.  Any inadequate insurance coverage or default by lessees in fulfilling 
their indemnification or insurance obligations will reduce the proceeds that would be received by us upon an event of loss 
under the respective leases or upon a claim under the relevant liability insurance.

Failure to obtain certain required licenses and approvals could negatively affect our ability to re-lease or sell aircraft.

A number of our lessees must obtain licenses, consents or approvals in order to import or operate the aircraft or comply 
with the leases.  These include consents from governmental or regulatory authorities for certain payments under the leases 
and for the import, export or deregistration of the aircraft.  Subsequent changes in applicable law or administrative practice 

18

may increase such requirements and a governmental consent, once given, might be withdrawn.  Furthermore, consents 
needed in connection with future re-leasing or sale of an aircraft may not be forthcoming.  Any of these events could adversely 
affect our ability to re-lease or sell aircraft.

Due to the fact that many of our lessees operate in emerging markets, we are indirectly subject to many of the economic 
and political risks associated with competing in such markets.

Emerging markets are countries which have less developed economies that are vulnerable to economic and political 
problems, such as significant fluctuations in gross domestic product, interest and currency exchange rates, civil disturbances, 
government instability, nationalization and expropriation of private assets, unfavorable legal systems, change in law regarding 
recognition of contracts or ownership rights, changes in governments or government policy and the imposition of taxes or 
other charges by governments.  The occurrence of any of these events in markets served by our lessees and the resulting 
instability may adversely affect our ownership interest in an aircraft or the ability of lessees which operate in these markets 
to meet their lease obligations and these lessees may be more likely to default than lessees that operate in developed economies.  
For the year ended December 31, 2016, 41 of our lessees, which operated 119 aircraft and generated 68% of our lease rental 
revenue, are domiciled or habitually based in emerging markets.

Risks Related to Our Lessees

Lessee defaults could materially adversely affect our business, financial condition and results of operations.

As a general matter, airlines with weak capital structures are more likely than well-capitalized airlines to seek operating 
leases, and, at any point in time, investors should expect a varying number of lessees and sub-lessees to experience payment 
difficulties.   As  a  result  of  their  weak  financial  condition  and  lack  of  liquidity,  a  portion  of  lessees  over  time  may  be 
significantly in arrears in their rental or maintenance payments.  This is likely to be the case in the future and with other 
lessees and sub-lessees of our aircraft as well, particularly in a difficult economic or operating environment.  These liquidity 
issues will be more likely to lead to airline failures in the context of financial system distress, volatile fuel prices, and 
economic slowdown, with additional liquidity being more difficult and expensive to source.  Given the size of our aircraft 
portfolio, we expect that from time to time some lessees will be slow in making, or will fail to make, their payments in full 
under their leases.

We may not correctly assess the credit risk of each lessee or may not be in a position to charge risk-adjusted lease 
rates, and lessees may not be able to continue to perform their financial and other obligations under our leases in the future.  
A delayed, reduced or missed rental payment from a lessee decreases our revenues and cash flow and may adversely affect 
our ability to make payments on our indebtedness or to comply with debt service coverage or interest coverage ratios.  While 
we may experience some level of delinquency under our leases, default levels may increase over time, particularly as our 
aircraft portfolio ages and if economic conditions deteriorate.  A lessee may experience periodic difficulties that are not 
financial in nature, which could impair its performance of maintenance obligations under the leases.  These difficulties may 
include the failure to perform required aircraft maintenance and labor-management disagreements or disputes.

In the event that a lessee defaults under a lease, any security deposit paid or letter of credit provided by the lessee may 
not  be  sufficient  to  cover  the  lessee’s  outstanding  or  unpaid  lease  obligations  and  required  maintenance  and  transition 
expenses.

Adverse currency movements could negatively affect our lessees’ ability to honor the terms of their leases and could 
materially adversely affect our business, financial condition and results of operations.

Many of our lessees are exposed to currency risk due to the fact that they earn revenues in their local currencies while 
a significant portion of their liabilities and expenses, including fuel, debt service, and lease payments are denominated in 
U.S. dollars.  In the case of a devaluation of the local currency, our lessees may not be able to increase revenue sufficiently 
to offset the impact of exchange rates on these expenses.  This is particularly true for non-U.S. airlines whose operations 
are primarily domestic.  This difference is magnified in the event of an appreciating U.S. dollar, as we have seen over the 
course of the last year, due to the strengthening of the U.S. economy and the expectation of rising U.S. interest rates.  Currency 
volatility, particularly in emerging market countries, could impact the ability of some of our customers to meet their contractual 
obligations in a timely manner. Shifts in foreign exchange rates can be significant, are difficult to predict, and can occur 
quickly.

19

If our lessees encounter financial difficulties and we decide to restructure our leases with those lessees, this could result 
in less favorable leases and in significant reductions in our cash flow or adversely affect our financial results.

When a lessee is late in making payments, fails to make payments in full or in part under the lease or has otherwise 
advised us that it will in the future fail to make payments in full or in part under the lease, we may elect to or be required to 
restructure the lease.  Restructuring may involve anything from a simple rescheduling of payments to the termination of a 
lease without receiving all or any of the past due amounts.  If any requests for payment restructuring or rescheduling are 
made and granted, reduced or deferred rental payments may be payable over all or some part of the remaining term of the 
lease, although the terms of any revised payment schedules may be unfavorable and such payments may not be made.  We 
may be unable to agree upon acceptable terms for any requested restructurings and as a result may be forced to exercise our 
remedies under those leases.  If we, in the exercise of our remedies, repossess the aircraft, we may not be able to re-lease 
the aircraft promptly at favorable rates, or at all.

The terms and conditions of payment restructurings or reschedulings may result in significant reductions of rental 

payments, which may adversely affect our cash flows or our financial results.

Significant costs resulting from lease defaults could have a material adverse effect on our business.

Although we have the right to repossess the aircraft and to exercise other remedies upon a lessee default, repossession 
of an aircraft after a lessee default would lead to significantly increased costs for us.  Those costs include legal and other 
expenses  of  court  or  other  governmental  proceedings,  particularly  if  the  lessee  is  contesting  the  proceedings  or  is  in 
bankruptcy, to obtain possession and/or de-registration of the aircraft and flight and export permissions.  Delays resulting 
from any of these proceedings would also increase the period of time during which the relevant aircraft is not generating 
revenue.  In addition, we may incur substantial maintenance, refurbishment or repair costs that a defaulting lessee has failed 
to incur or pay and that are necessary to put the aircraft in suitable condition for re-lease or sale and we may be required to 
pay off liens, claims, taxes and other governmental charges on the aircraft to obtain clear possession and to remarket the 
aircraft for re-lease or sale.  We may also incur maintenance, storage or other costs while we have physical possession of 
the aircraft.

We may also suffer other adverse consequences as a result of a lessee default and any termination of the lease and the 
repossession of the related aircraft. Our rights upon a lessee default vary significantly depending upon the jurisdiction, 
including the need to obtain a court order for repossession of the aircraft and/or consents for de-registration or re-export of 
the aircraft. When a defaulting lessee is in bankruptcy, protective administration, insolvency or similar proceedings, additional 
limitations may apply. Certain jurisdictions will give rights to the trustee in bankruptcy or a similar officer to assume or 
reject the lease or to assign it to a third party, or will entitle the lessee or another third party to retain possession of the aircraft 
without paying lease rentals or without performing all or some of the obligations under the relevant lease. Certain of our 
lessees are owned in whole or in part by government-related entities, which could complicate our efforts to repossess the 
relevant aircraft.  Accordingly, we may be delayed in, or prevented from, enforcing certain of our rights under a lease and 
in re-leasing or selling the affected aircraft.

If we repossess an aircraft, we will not necessarily be able to export or de-register and profitably redeploy the aircraft. 
For instance, where a lessee or other operator flies only domestic routes in the jurisdiction in which the aircraft is registered, 
repossession  may  be  more  difficult,  especially  if  the  jurisdiction  permits  the  lessee  or  the  other  operator  to  resist  de-
registration. Significant costs may also be incurred in retrieving or recreating aircraft records required for registration of the 
aircraft and obtaining a certificate of airworthiness for the aircraft.

Airline reorganizations could have an adverse effect on our financial results.

As a result of economic conditions, significant volatility in oil prices and financial markets distress, airlines may be 
forced  to  reorganize.  Historically,  airlines  involved  in  reorganizations  have  undertaken  substantial  fare  discounting  to 
maintain  cash  flows  and  to  encourage  continued  customer  loyalty.  Such  fare  discounting  has  in  the  past  led  to  lower 
profitability for all airlines.  Bankruptcies and reduced demand may lead to the grounding of significant numbers of aircraft 
and  negotiated  reductions  in  aircraft  lease  rental  rates,  with  the  effect  of  depressing  aircraft  market  values.   Additional 
grounded aircraft and lower market values would adversely affect our ability to sell certain of our aircraft on favorable terms, 
or at all, or re-lease other aircraft at favorable rates comparable to the then current market conditions, which collectively 
would have an adverse effect on our financial results.  We may not recover any of our claims or damages against an airline 
under bankruptcy or insolvency protection.

20

If our lessees fail to appropriately discharge aircraft liens, we might find it necessary to pay such claims, which could 
have a negative effect on our cash position and our business.

In the normal course of business, liens that secure the payment of airport fees and taxes, custom duties, air navigation 
charges (including charges imposed by Eurocontrol), landing charges, crew wages, repairer’s charges, salvage or other liens, 
are likely, depending on the jurisdiction in question, to attach to the aircraft.  These liens may secure substantial sums that 
may, in certain jurisdictions or for certain types of liens (particularly “fleet liens”), exceed the value of the relevant aircraft.  
Although the financial obligations relating to these liens are the responsibility of our lessees, if they fail to fulfill their 
obligations, these liens may attach to our aircraft and ultimately become our responsibility.  Until these liens are discharged, 
we may be unable to repossess, re-lease or sell the aircraft or unable to avoid detention or forfeiture of the aircraft.

Our lessees may not comply with their obligations under their respective leases to discharge liens arising during the 
terms of their leases, whether or not due to financial difficulties.  If they do not do so, we may, in some cases, find it necessary 
to pay the claims secured by any liens in order to repossess the aircraft.

Risks associated with the concentration of our lessees in certain geographical regions could harm our business or financial 
results.

Our business is sensitive to local economic and political conditions that can influence the performance of lessees 

located in a particular region.

European Concentration

Twenty-six lessees in Europe accounted for 66 aircraft, totaling 23% of the net book value of our aircraft at December 31, 
2016.  Eleven aircraft, representing 3% of the net book value of our aircraft at December 31, 2016, were leased to a customer 
in Spain.  Commercial airlines in Europe continue to face increased competitive pressures due to the expansion of low cost 
carriers, industry consolidation, as well as the growth of strong airlines in the Middle East.  Several of the continent’s larger 
airlines have announced comprehensive restructuring efforts, including significant cost cutting measures.

Asian Concentration

Twenty-three lessees in Asia accounted for 61 aircraft totaling, 38% of the net book value of our aircraft at December 31, 
2016.  Growth in most of Asia has been strong, driven in large part by emerging economies. Asian airlines continue to face 
competition from new entrants and the growth of low cost carriers in the region.  There is also risk of oversupply in the 
future driven by large outstanding order books of some Asian airlines.  Demand weaknesses, due to slowing economic 
growth in the region, could adversely affect the Asian airlines industry.  Nine lessees in southeast Asia accounted for 34 
aircraft, totaling 25% of the net book value of our aircraft at December 31, 2016.

North American Concentration

Ten lessees in North America accounted for 26 aircraft, totaling 8% of the net book value of our aircraft at December 31, 
2016.  Consolidation among major airlines in the U.S. has helped drive capacity discipline and pricing power, but despite 
recent improvements in the financial results of many carriers, airlines remain highly susceptible to macroeconomic and 
geopolitical factors outside their control.

South American Concentration

Six lessees in South America accounted for 23 aircraft, totaling 18% of the net book value of our aircraft at December 31, 
2016.  The region’s largest economy, Brazil, has suffered from depressed commodity prices, currency devaluation and a 
stalled economy, which has forced a reduction in capacity by the country’s airlines.  Two lessees in Brazil accounted for 
fifteen aircraft, totaling 8% of the net book value of our aircraft at December 31, 2016.

Middle East and African Concentration

Six lessees in the Middle East and Africa accounted for fourteen aircraft totaling 11% of the net book value of our 
aircraft at December 31, 2016.  Middle Eastern lessees, particularly Gulf-based carriers, have a large number of aircraft on 
order and continue to capitalize on the region’s favorable geographic position as an East-West transfer hub.  In recent years, 
a number of countries in the Middle East and North Africa experienced significant political instability, negatively impacting 
tourism and air travel.  Continued unrest and instability would again negatively impact the financial performance of airlines 
operating to, from, and within this region.

21

Risks Related to the Aviation Industry

Fuel prices significantly impact the profitability of the airline industry.  If fuel prices rise in the future, our lessees might 
not be able to meet their lease payment obligations, which would have an adverse effect on our financial results and 
growth prospects.

Fuel costs represent a major expense to airlines.  Fuel prices fluctuate widely depending primarily on international 
market conditions, geopolitical and environmental events and currency/exchange rates.  As a result, fuel costs are not within 
the control of lessees and significant changes would materially affect their operating results.

While fuel prices have significantly declined since 2013, there can be no assurance that lower fuel prices will persist.  
Due to the competitive nature of the airline industry, airlines have been, and may continue to be, unable to pass on increases 
in fuel prices to their customers by increasing fares in a manner that fully compensates for the costs incurred. Higher and 
more volatile fuel prices may also have an impact on consumer confidence and spending, and thus may adversely impact 
demand for air transportation. In addition, airlines may not be able to successfully manage their exposure to fuel price 
fluctuations.  If fuel prices increase due to future terrorist attacks, acts of war, armed hostilities, rebellion or political instability, 
natural disasters or for any other reason, they are likely to cause our lessees to incur higher costs and/or generate lower 
revenues, resulting in an adverse impact on their financial condition and liquidity.  Fuel cost volatility may contribute to the 
reluctance of airlines to make future commitments to leased aircraft and reduce the demand for lease aircraft.  Consequently, 
these conditions may: (i) affect our lessees’ ability to make rental and other lease payments; (ii) result in lease restructurings 
and/or aircraft repossessions; (iii) increase our costs of re-leasing or selling our aircraft; or (iv) impair our ability to re-lease 
or sell our aircraft on a timely basis at favorable rates or terms, or at all.

If the effects of terrorist attacks and geopolitical conditions adversely impact the financial condition of the airlines, our 
lessees might not be able to meet their lease payment obligations, which would have an adverse effect on our financial 
results and growth prospects.

War, armed hostilities or terrorist attacks, or the fear of such events, could decrease demand for air travel or increase 
the operating costs of our customers.  Terrorist incidents, including the attacks at Belgian and Turkish airports, the situations 
in Iraq, Egypt and Syria, and other international tensions, such as with North Korea and territorial disputes in East Asia, 
may lead to regional or broader international instability.   Future terrorist attacks, war or armed hostilities, large protests or 
government instability, or the fear of such events, could further negatively impact the airline industry and may have an 
adverse effect on the financial condition and liquidity of our lessees, aircraft values and rental rates and may lead to lease 
restructurings or aircraft repossessions, all of which could adversely affect our financial results.

Terrorist  attacks  and  geopolitical  conditions  have  negatively  affected  the  airline  industry,  and  concerns  about 
geopolitical conditions and further terrorist attacks could continue to negatively affect airlines (including our lessees) for 
the foreseeable future, depending upon various factors, including: (i) higher costs to the airlines due to the increased security 
measures; (ii) decreased passenger demand and revenue due to safety concerns or the inconvenience of additional security 
measures; (iii) the price and availability of jet fuel; (iv) higher financing costs and difficulty in raising the desired amount 
of proceeds on favorable terms, or at all; (v) the significantly higher costs of aircraft insurance coverage for future claims 
caused by acts of war, terrorism, sabotage, hijacking and other similar perils, and the extent to which such insurance has 
been or will continue to be available; (vi) the ability of airlines to reduce their operating costs and conserve financial resources, 
taking into account the increased costs incurred as a consequence of terrorist attacks and geopolitical conditions, including 
those referred to above; and (vii) special charges recognized by some airlines, such as those related to the impairment of 
aircraft and other long lived assets stemming from the above conditions.

Economic conditions and regulatory changes resulting from the United Kingdom’s ("U.K") possible exit from the E.U. 
and the new administration in the U.S. could have an adverse effect on our business and results of operations.

In June 2016, voters in the U.K. approved a referendum to exit from the E.U., known as Brexit.  If the U.K. initiates 
a Brexit process, its effects on us will depend on the resulting agreements regarding trade and travel made between the 
United Kingdom and European Union.  In the U.S., the new administration and incoming Congress could effect significant 
changes in, or create uncertainty regarding, governmental policies, the regulatory environment and many other areas that 
could impact the Company, including but not limited to changes to existing trade agreements, import and export regulations, 
immigration, tariffs and customs duties, tax regulations, environmental regulations and other areas that become subject to 
significant changes.

22

Brexit  and  U.S.  political  changes  could  result  in  adverse  consequences,  such  as  instability  in  financial  markets, 
deterioration in economic conditions, volatility in currency exchange rates or adverse impact to air travel and the air freight 
market.  These impacts may negatively impact the airline and finance industries and may have an adverse effect on our 
ability to borrow, the financial condition of our lessees, aircraft values and rental rates and may lead to lease restructurings 
or aircraft repossessions, all of which could adversely affect our financial results.

Epidemic diseases, severe weather conditions, natural disasters or their perceived effects may negatively impact the airline 
industry and our lessees’ ability to meet their lease payment obligations to us, which, in turn, could have an adverse effect 
on our financial results.

Over the past several years, there have been outbreaks of epidemic diseases which have spread to other parts of the 
world.    If  an  outbreak  of  epidemic  diseases  were  to  occur,  numerous  responses,  including  travel  restrictions,  might  be 
necessary to combat the spread of the disease.  Even if restrictions are not implemented, it is likely that passengers would 
voluntarily choose to reduce travel.  There have been several outbreaks of epidemic diseases which have spread to other 
parts of the world in the last ten years, although their impact was relatively limited.  Additional outbreaks of epidemic 
diseases, or the fear of such events, could result in travel bans or could have an adverse effect on our financial results.  
Similarly, demand for air travel or the inability of airlines to operate to or from certain regions due to severe weather conditions 
or natural disasters, such as floods, earthquakes or volcanic eruptions, could have an adverse effect on our lessees’ ability 
to their lease payment obligations to us, which could negatively impact our financial results.

Risks Related to Our Organization and Structure

If the ownership of our common shares continues to be highly concentrated, it may prevent minority shareholders from 
influencing significant corporate decisions and may result in conflicts of interest.

As of February 7, 2017, Marubeni owns 21,605,347 shares, or 27.5% of our common shares.  Although the Shareholder 
Agreement, dated as of June 6, 2013, among us, Marubeni and a subsidiary of Marubeni (as amended and restated from 
time to time, the “Shareholder Agreement”), imposes certain restrictions on Marubeni’s and its affiliates’ ability to make 
additional  acquisitions  of  our  common  shares,  Marubeni,  nonetheless,  may  be  able  to  influence  fundamental  corporate 
matters and transactions, including the election of directors; mergers or amalgamations (subject to prior board approval); 
consolidations or acquisitions; the sale of all or substantially all of our assets; in certain circumstances, the amendment of 
our bye-laws; and our winding up and dissolution.  This concentration of ownership may delay, deter or prevent acts that 
would be favored by our other shareholders.  The interests of Marubeni may not always coincide with our interests or the 
interests of our other shareholders.  This concentration of ownership may also have the effect of delaying, preventing or 
deterring a change in control of our company.  Also, Marubeni may seek to cause us to take courses of action that, in its 
judgment, could enhance its investment in us, but which might involve risks to our other shareholders or adversely affect 
us or our other shareholders.  In addition, under the Shareholder Agreement, based on the current ownership of our common 
shares by Marubeni and the current size of our Board of Directors, Marubeni is entitled to designate three directors for 
election to our Board of Directors.  As a result of these or other factors, the market price of our common shares could decline 
or shareholders might not receive a premium over the then-current market price of our common shares upon a change in 
control.  In addition, this concentration of share ownership may adversely affect the trading price of our common shares 
because investors may perceive disadvantages in owning shares in a company with a significant shareholder.

We are a holding company with no operations and rely on our operating subsidiaries to provide us with funds necessary 
to meet our financial obligations.

We are a holding company with no material direct operations.  Our principal assets are the equity interests we directly 
or indirectly hold in our operating subsidiaries.  As a result, we are dependent on loans, dividends and other payments from 
our subsidiaries to generate the funds necessary to meet our financial obligations and to pay dividends to our shareholders.  
Although there are currently no material legal restrictions on our operating subsidiaries ability to distribute assets to us, legal 
restrictions,  including  governmental  regulations  and  contractual  obligations,  could  restrict  or  impair  our  operating 
subsidiaries ability to pay dividends or make loan or other distributions to us.  Our subsidiaries are legally distinct from us 
and may be prohibited or restricted from paying dividends or otherwise making funds available to us under certain conditions.

23

We are a Bermuda company, and it may be difficult for securityholders to enforce judgments against us or our directors 
and executive officers.

We are a Bermuda exempted company and, as such, the rights of holders of our common shares will be governed by 
Bermuda law and our memorandum of association and bye-laws.  The rights of securityholders under Bermuda law may 
differ from the rights of securityholders of companies incorporated in other jurisdictions.  A substantial portion of our assets 
are located outside the United States.  As a result, it may be difficult for investors to effect service of process on those persons 
in the United States or to enforce in the United States judgments obtained in U.S. courts against us or those persons based 
on the civil liability provisions of the U.S. securities laws.  Uncertainty exists as to whether courts in Bermuda will enforce 
judgments  obtained  in  other  jurisdictions,  including  the  United  States,  against  us  or  our  directors  or  officers  under  the 
securities laws of those jurisdictions or entertain actions in Bermuda against us or our directors or officers under the securities 
laws of other jurisdictions.

Our bye-laws restrict shareholders from bringing legal action against our officers and directors.

Our bye-laws contain a broad waiver by our shareholders of any claim or right of action, both individually and on our 
behalf, against any of our officers or directors.  The waiver applies to any action taken by an officer or director, or the failure 
of an officer or director to take any action, in the performance of his or her duties, except with respect to any matter involving 
any fraud or dishonesty on the part of the officer or director.  This waiver limits the right of shareholders to assert claims 
against our officers and directors unless the act or failure to act involves fraud or dishonesty.

We have anti-takeover provisions in our bye-laws that may discourage a change of control.

Our bye-laws contain provisions that could make it more difficult for a third party to acquire us without the consent 

of our Board of Directors.  These provisions include:

• 
• 

• 

• 

• 

• 

• 

provisions providing for a classified board of directors with staggered three-year terms;
provisions regarding the election of directors, classes of directors, the term of office of directors and amalgamations 
to be rescinded, altered or amended only upon approval by a resolution of the directors and by a resolution of our 
shareholders, including the affirmative votes of at least 66% of the votes attaching to all shares in issue entitling 
the holder to vote on such resolution;
provisions in our bye-laws dealing with the removal of directors and corporate opportunity to be rescinded, altered 
or amended only upon approval by a resolution of the directors and by a resolution of our shareholders, including 
the affirmative votes of at least 80% of the votes attaching to all shares in issue entitling the holder to vote on 
such resolution;
provisions providing for the removal of directors by a resolution, including the affirmative votes of at least 80% 
of all votes attaching to all shares in issue entitling the holder to vote on such resolution;
provisions providing for our Board of Directors to determine the powers, preferences and rights of our preference 
shares and to issue such preference shares without shareholder approval;
provisions providing for advance notice requirements by shareholders for director nominations and actions to be 
taken at annual meetings; and
no provision for cumulative voting in the election of directors; all the directors standing for election may be 
elected by our shareholders by a plurality of votes cast at a duly convened annual general meeting, the quorum 
for which is two or more persons present in person or by proxy at the start of the meeting and representing in 
excess of 50% of all votes attaching to all shares in issue entitling the holder to vote at the meeting.

In addition, these provisions may make it difficult and expensive for a third party to pursue a tender offer, change in 
control or takeover attempt that is opposed by our management and/or our Board of Directors.  Public shareholders who 
might desire to participate in these types of transactions may not have an opportunity to do so.  These anti-takeover provisions 
could substantially impede the ability of public shareholders to benefit from a change in control or change our management 
and Board of Directors and, as a result, may adversely affect the market price of our common shares and your ability to 
realize any potential change of control premium.

24

There are provisions in our bye-laws that may require certain of our non-U.S. shareholders to sell their shares to us or 
to a third party.

Our bye-laws provide that if our Board of Directors determines that we or any of our subsidiaries do not meet, or in 
the absence of repurchases of shares will fail to meet, the ownership requirements of a limitation on benefits article of any 
bilateral income tax treaty with the U.S. applicable to us, and that such tax treaty would provide material benefits to us or 
any of our subsidiaries, we generally have the right, but not the obligation, to repurchase, at fair market value (as determined 
pursuant to the method set forth in our bye-laws), common shares from any shareholder who beneficially owns more than 
5% of our issued and outstanding common shares and who fails to demonstrate to our satisfaction that such shareholder is 
either a U.S. citizen or a qualified resident of the U.S. or the other contracting state of any applicable tax treaty with the 
U.S. (as determined for purposes of the relevant provision of the limitation on benefits article of such treaty).

We will have the option, but not the obligation, to purchase all or a part of the shares held by such shareholder (to the 
extent the Board of Directors, in the reasonable exercise of its discretion, determines it is necessary to avoid or cure adverse 
consequences), provided that the Board of Directors will use its reasonable efforts to exercise this option equitably among 
similarly situated shareholders (to the extent feasible under the circumstances).

Instead of exercising the repurchase right described above, we will have the right, but not the obligation, to cause the 
transfer to, and procure the purchase by, any U.S. citizen or a qualified resident of the U.S. or the other contracting state of 
the applicable tax treaty (as determined for purposes of the relevant provision of the limitation on benefits article of such 
treaty) of the number of issued and outstanding common shares beneficially owned by any shareholder that are otherwise 
subject to repurchase under our bye-laws as described above, at fair market value (as determined in the good faith discretion 
of our Board of Directors).

Our joint ventures may have an adverse effect on our business.

Our joint ventures, which are referred to in “Other Aviation Assets and Alternative New Business Approaches” above, 

involve significant risks that may not be present with other methods of ownership, including:

•  we may not realize a satisfactory return on our investment or the joint ventures may divert management’s attention 

• 

• 

• 

from our business;
our joint venture partners could have investment goals that are not consistent with our investment objectives, 
including the timing, terms and strategies for any investments;
our joint venture partners might fail to fund their share of required capital contributions or fail to fulfill their 
obligations as a joint venture partner; and
our joint venture partners may have competing interests in our markets that could create conflict of interest issues, 
particularly if aircraft owned by the joint ventures are being marketed for lease or sale at a time when the Company 
also has comparable aircraft available for lease or sale.

As of February 7, 2017, Teachers’ owns 10.0% of our outstanding common shares.

Risks Related to Our Common Shares

The market price and trading volume of our common shares may be volatile or may decline regardless of our operating 
performance, which could result in rapid and substantial losses for our shareholders.

If the market price of our common shares declines significantly, shareholders may be unable to resell their shares at 
or above their purchase price.  The market price or trading volume of our common shares could be highly volatile and may 
decline significantly in the future in response to various factors, many of which are beyond our control, including:

• 
• 
• 
• 
• 

• 

variations in our quarterly or annual operating results;
failure to meet any earnings estimates;
actual or perceived reduction in our growth or expected future growth;
actual or anticipated accounting issues;
publication of research reports about us, other aircraft lessors or the aviation industry or the failure of securities 
analysts to cover our common shares or the decision to suspend or terminate coverage in the future;
additions or departures of key management personnel;

25

• 

• 

• 

• 
• 
• 
• 

• 
• 

• 

increased volatility in the capital markets and more limited or no access to debt financing, which may result in 
an increased cost of, or less favorable terms for, debt financing or may result in sales to satisfy collateral calls or 
other pressure on holders to sell our shares;
redemptions, or similar events affecting funds or other investors holding our shares, which may result in large 
block trades that could significantly impact the price of our common shares;
adverse market reaction to any indebtedness we may incur or preference or common shares we may issue in the 
future;
changes in or elimination of our dividend;
actions by shareholders;
changes in market valuations of similar companies;
announcements by us, our competitors or our suppliers of significant contracts, acquisitions, disposals, strategic 
partnerships, joint ventures or capital commitments;
speculation in the press or investment community;
changes or proposed changes in laws or regulations affecting the aviation industry or enforcement of these laws 
and regulations, or announcements relating to these matters; and
general market, political and economic conditions and local conditions in the markets in which our lessees are 
located.

In addition, the equity markets in general have frequently experienced substantial price and volume fluctuations that 
have often been unrelated or disproportionate to the operating performance of companies traded in those markets.  Changes 
in economic conditions in the U.S., Europe or globally could also impact our ability to grow profitably.  These broad market 
and industry factors may materially affect the market price of our common shares, regardless of our business or operating 
performance.  In the past, following periods of volatility in the market price of a company’s securities, securities class-action 
litigation has often been instituted against that company.  Such litigation, if instituted against us, could cause us to incur 
substantial costs and divert management’s attention and resources, which could have a material adverse effect on our business, 
financial condition and results of operations.

Future debt, which would be senior to our common shares upon liquidation, and additional equity securities, which 
would dilute the percentage ownership of our then current common shareholders and may be senior to our common 
shares for the purposes of dividends and liquidation distributions, may adversely affect the market price of our common 
shares.

In the future, we may attempt to increase our capital resources by incurring debt or issuing additional equity securities, 
including commercial paper, medium-term notes, senior or subordinated notes or loans and series of preference shares or 
common shares.  Upon liquidation, holders of our debt investments and preference shares and lenders with respect to other 
borrowings would receive a distribution of our available assets prior to the holders of our common shares.  Additional equity 
offerings would dilute the holdings of our then current common shareholders and could reduce the market price of our 
common shares, or both.  Preference shares, if issued, could have a preference on liquidating distributions or a preference 
on dividend payments.  Restrictive provisions in our debt and/or preference shares could limit our ability to make a distribution 
to the holders of our common shares.  Because our decision to incur more debt or issue additional equity securities in the 
future will depend on market conditions and other factors beyond our control, we cannot predict or estimate the amount, 
timing or nature of our future capital raising activities.  Thus, holders of our common shares bear the risk of our future debt 
and equity issuances reducing the market price of our common shares and diluting their percentage ownership.

The market price of our common shares could be negatively affected by sales of substantial amounts of our common 
shares in the public markets.

As of February 7, 2017, there were 78,556,466 shares issued and outstanding, all of which are freely transferable, 
except for any shares held by our “affiliates,” as that term is defined in Rule 144 under the Securities Act of 1933, as amended 
(the “Securities Act”).  Approximately 37.5% of our outstanding common shares are held by our affiliates and can be resold 
into the public markets in the future in accordance with the requirements of Rule 144 under the Securities Act.

One affiliate, Marubeni, currently holds 27.5% of our outstanding common shares.  Beginning in July 2016, pursuant 
to the occurrence of certain events set forth in the Shareholders Agreement, Marubeni and permitted third-party transferees 
have the ability to cause us to register the resale of their common shares into the public markets.  Another investor, Teachers’, 

26

currently holds 10.0% of our outstanding common shares and has the ability to cause us to register the resale of their common 
shares into the public markets.

The issuance of additional common shares in connection with acquisitions or otherwise will dilute all other shareholdings.

As of February 7, 2017, we had an aggregate of 153,960,290 common shares authorized but unissued and not reserved 
for issuance under our incentive plan. We may issue all of these common shares without any action or approval by our 
shareholders.  We intend to continue to actively pursue acquisitions of aviation assets and may issue common shares in 
connection with these acquisitions.  Any common shares issued in connection with our acquisitions, our incentive plan, and 
the exercise of outstanding share options or otherwise would dilute the percentage ownership held by existing shareholders.

Risks Related to Taxation

If Aircastle were treated as engaged in a trade or business in the United States, it would be subject to U.S. federal income 
taxation on a net income basis, which would adversely affect our business and result in decreased cash available for 
distribution to our shareholders.

If, contrary to expectations, Aircastle were treated as engaged in a trade or business in the United States, the portion 
of its net income, if any, that was “effectively connected” with such trade or business would be subject to U.S. federal income 
taxation at a maximum rate of 35%.  In addition, Aircastle would be subject to the U.S. federal branch profits tax on its 
effectively connected earnings and profits at a rate of 30%.  The imposition of such taxes would adversely affect our business 
and would result in decreased cash available for distribution to our shareholders.

If there is not sufficient trading in our shares, or if 50% of our shares are held by certain 5% shareholders, we could 
lose  our  eligibility  for  an  exemption  from  U.S.  federal  income  taxation  on  rental  income  from  our  aircraft  used  in 
“international traffic” and could be subject to U.S. federal income taxation which would adversely affect our business 
and result in decreased cash available for distribution to our shareholders.

We expect that we are currently eligible for an exemption under Section 883 of the Internal Revenue Code of 1986, 
as amended (the “Code”), which provides an exemption from U.S. federal income taxation with respect to rental income 
derived from aircraft used in international traffic by certain foreign corporations.  No assurances can be given that we will 
continue to be eligible for this exemption as our stock is traded on the market and changes in our ownership or the amount 
of our shares that are traded could cause us to cease to be eligible for such exemption.  To qualify for this exemption in 
respect of rental income, the lessor of the aircraft must be organized in a country that grants a comparable exemption to 
U.S. lessors  (Bermuda  and  Ireland  each  do),  and  certain  other  requirements  must  be  satisfied.  We  can  satisfy  these 
requirements in any year if, for more than half the days of such year, our shares are primarily and regularly traded on a 
recognized exchange and certain shareholders, each of whom owns 5% or more of our shares (applying certain attribution 
rules), do not collectively own more than 50% of our shares.  Our shares will be considered to be primarily and regularly 
traded on a recognized exchange in any year if: (i) the number of trades in our shares effected on such recognized stock 
exchanges exceed the number of our shares (or direct interests in our shares) that are traded during the year on all securities 
markets; (ii) trades in our shares are effected on such stock exchanges in more than de minimis quantities on at least 60 days 
during every calendar quarter in the year; and (iii) the aggregate number of our shares traded on such stock exchanges during 
the taxable year is at least 10% of the average number of our shares outstanding in that class during that year. If our shares 
cease to satisfy these requirements, then we may no longer be eligible for the Section 883 exemption with respect to rental 
income earned by aircraft used in international traffic.  If we were not eligible for the exemption under Section 883 of the 
Code, we expect that the U.S. source rental income of Aircastle Bermuda generally would be subject to U.S. federal taxation, 
on a gross income basis, at a rate of not in excess of 4% as provided in Section 887 of the Code. If, contrary to expectations, 
Aircastle Bermuda did not comply with certain administrative guidelines of the Internal Revenue Service, such that 90% or 
more of Aircastle Bermuda’s U.S. source rental income were attributable to the activities of personnel based in the United 
States, Aircastle Bermuda’s U.S. source rental income would be treated as income effectively connected with the conduct 
of a trade or business in the United States.  In such case, Aircastle Bermuda’s U.S. source rental income would be subject 
to U.S. federal income taxation on its net income at a maximum rate of 35% as well as state and local taxation. In addition, 
Aircastle Bermuda would be subject to the U.S. federal branch profits tax on its effectively connected earnings and profits 
at a rate of 30%.  The imposition of such taxes would adversely affect our business and would result in decreased cash 
available for distribution to our shareholders.

27

One or more of our Irish subsidiaries could fail to qualify for treaty benefits, which would subject certain of their income 
to U.S. federal income taxation, which would adversely affect our business and result in decreased cash available for 
distribution to our shareholders.

Qualification for the benefits of the double tax treaty between the United States and Ireland (the “Irish Treaty”) depends 
on many factors, including being able to establish the identity of the ultimate beneficial owners of our common shares.  Each 
of the Irish subsidiaries may not satisfy all the requirements of the Irish Treaty and thereby may not qualify each year for 
the benefits of the Irish Treaty or may be deemed to have a permanent establishment in the United States.  Moreover, the 
provisions of the Irish Treaty may change.  Failure to so qualify, or to be deemed to have a permanent establishment in the 
United  States,  could  result  in  the  rental  income  from  aircraft  used  for  flights  within  the  United  States  being  subject  to 
increased U.S. federal income taxation.  The imposition of such taxes would adversely affect our business and would result 
in decreased cash available for distribution to our shareholders.

We may become subject to an increased rate of Irish taxation which would adversely affect our business and would result 
in decreased earnings available for distribution to our shareholders.

Our  Irish  subsidiaries  and  affiliates  are  expected  to  be  subject  to  corporation  tax  on  their  income  from  leasing, 
managing and servicing aircraft at the 12.5% tax rate applicable to trading income.  This expectation is based on certain 
assumptions, including that we will maintain at least the current level of our business operations in Ireland.  If we are not 
successful in achieving trading status in Ireland, the non-trading income activities of our Irish subsidiaries and affiliates 
would be subject to tax at the rate of 25% and capital gains would be taxed at the rate of 35%, which would adversely 
affect our business and would result in decreased earnings available for distribution to our shareholders.

We may be subject to an increased rate of Singapore taxation which would adversely affect our business and would result 
in decreased earnings available for distribution to our shareholders.

Our Singapore subsidiaries are subject to Singapore income tax on their income from leasing, managing and servicing 
aircraft.  Singapore’s authorities have awarded our Singapore subsidiaries a reduced rate of tax until July 2017, provided 
that we satisfy certain conditions and requirements.  If we cannot meet such conditions and requirements, or if the award is 
not renewed, we would be subject to additional Singapore income tax.  This would adversely affect our business and would 
result in decreased earnings available for distribution to our shareholders.

We may become subject to income or other taxes in the non-U.S. jurisdictions in which our aircraft operate, where our 
lessees are located or where we perform certain services which would adversely affect our business and result in decreased 
cash available for distributions to shareholders.

Certain Aircastle entities are expected to be subject to the income tax laws of Ireland, Mauritius, Singapore and the 
United States.  In addition, we may be subject to income or other taxes in other jurisdictions by reason of our activities and 
operations, where our aircraft operate or where the lessees of our aircraft (or others in possession of our aircraft) are located.  
Although we have adopted operating procedures to reduce the exposure to such taxation, we may be subject to such taxes 
in the future and such taxes may be substantial.  In addition, if we do not follow separate operating guidelines relating to 
managing a portion of our aircraft portfolio through offices in Ireland and Singapore, income from aircraft not owned in 
such jurisdictions would be subject to local tax.  Changes in tax law could impose withholding taxes on lease payments 
during the term of a lease.  Our leases typically require our lessees to indemnify us in respect of taxes but some leases may 
not require such indemnification or a lessee may fail to make such indemnification payment.  The imposition of such taxes 
could adversely affect our business and result in decreased earnings available for distribution to our shareholders.

In addition, the Organization for Economic Co-operation and Development has undertaken the Base Erosion and Profit 
Shifting (“BEPS”) project, which aims to restructure the taxation scheme currently affecting multinational entities.  If the 
proposals recommended under BEPS are implemented, the tax rules to which we are subject may increase our liability for 
non-U.S. taxes.

We expect to continue to be a passive foreign investment company (“PFIC”) and may be a controlled foreign corporation 
(“CFC”) for U.S. federal income tax purposes.

We expect to continue to be treated as a PFIC and may be a CFC for U.S. federal income tax purposes.  If you are a 
U.S. person and do not make a qualified electing fund (“QEF”) election with respect to us and each of our PFIC subsidiaries, 
unless we are a CFC and you own 10% of our voting shares, you would be subject to special deferred tax and interest charges 
with respect to certain distributions on our common shares, any gain realized on a disposition of our common shares and 

28

certain other events.  The effect of these deferred tax and interest charges could be materially adverse to you.  Alternatively, 
if you are such a shareholder and make a QEF election for us and each of our PFIC subsidiaries, or if we are a CFC and you 
own 10% or more of our voting shares, you will not be subject to those charges, but could recognize taxable income in a 
taxable year with respect to our common shares in excess of any distributions that we make to you in that year, thus giving 
rise to so-called “phantom income” and to a potential out-of-pocket tax liability.

Distributions made to a U.S. person that is an individual will not be eligible for taxation at reduced tax rates generally 
applicable to dividends paid by certain United States corporations and “qualified foreign corporations” on or after January 1, 
2003.  The more favorable rates applicable to regular corporate dividends could cause individuals to perceive investment 
in our shares to be relatively less attractive than investment in the shares of other corporations, which could adversely affect 
the value of our shares.

ITEM 1B.  UNRESOLVED STAFF COMMENTS

None. 

ITEM 2.  PROPERTIES

We lease approximately 19,200 square feet of office space in Stamford, Connecticut for our corporate operations.  The 
lease for the Stamford facility expires in December 2017.  We lease approximately 3,380 square feet of office space in 
Dublin, Ireland and approximately 2,600 square feet of office space in Singapore for our operations in Europe and Asia.  
The lease for our Irish office expires in June 2026, and the lease for our Singapore office expires in July 2019.

We believe our current facilities are adequate for our current needs and that suitable additional space will be available 

as and when needed.

ITEM 3.  LEGAL PROCEEDINGS

The Company is not a party to any material legal or adverse regulatory proceedings.

ITEM 4.  MINE SAFETY DISCLOSURES

Not applicable.

Executive Officers of the Registrant

Executive officers are elected by our Board of Directors, and their terms of office continue until the next annual meeting 
of the board or until their successors are elected and have been duly qualified.  There are no family relationships among our 
executive officers.

Set forth below is information pertaining to our executive officers who held office as of February 7, 2017:

Ron Wainshal, 52, became our Chief Executive Officer in May 2005 and a member of our Board in May 2010 and is 
currently on medical leave.  Prior to joining Aircastle, Mr. Wainshal was in charge of the Asset Management group of General 
Electric Capital Aviation Services (“GECAS”) from 2003 to 2005.  After joining GECAS in 1998, Mr. Wainshal led many 
of GECAS’ U.S. airline restructuring efforts and its bond market activities, and played a major marketing and structured 
finance role for GECAS in the Americas.  Before joining GECAS, he was a principal and co-owner of a financial advisory 
company specializing in transportation infrastructure from 1994 to 1998 and prior to that held positions at Capstar Partners 
and The Transportation Group in New York and Ryder System in Miami.  He received a B.S. in Economics from the University 
of Pennsylvania's Wharton School and an MBA from the University of Chicago’s Booth Graduate School of Business.

Michael Inglese, 55, became our Chief Financial Officer in April 2007 and has been Acting Chief Executive Officer 
since January 6, 2017.  Prior to joining the Company, Mr. Inglese served as an Executive Vice President and Chief Financial 
29

Officer of PanAmSat Holding Corporation, where he served as Chief Financial Officer from June 2000 until the closing of 
PanAmSat’s sale to Intelsat in July 2006.  Mr. Inglese joined PanAmSat in May 1998 as Vice President, Finance after serving 
as Chief Financial Officer for DIRECTV Japan, Inc.  He is a Chartered Financial Analyst who holds a B.S. in Mechanical 
Engineering from Rutgers University College of Engineering and his MBA from Rutgers Graduate School of Business 
Management.

Michael Kriedberg, 55, became our Chief Commercial Officer in April 2013.  Prior to joining the Company, Mr. 
Kriedberg served as an Executive Vice President, Aviation Financing Operations of GECAS from August 2009.  From 
January 2008 to August 2009, Mr. Kriedberg was the Chief Investment Officer of GE Capital Corporation (“GECC”) and 
President of the Bank Loan Group division of GECC from August 2006 to January 2008.  Mr. Kriedberg holds a B.S. in 
Economics from SUNY Albany and a Master’s degree in Accounting from Pace University.

Christopher L. Beers, 52, became our General Counsel in November 2014. Prior to joining Aircastle, Mr. Beers held 
senior positions at GE Capital since 2000, including Senior Vice President and Associate General Counsel at GECAS from 
2009 to 2014, and Senior Vice President and General Counsel of GE Transportation Finance from 2006 to 2009.  Previously, 
Mr. Beers was a Senior Associate at the law firm of Milbank Tweed Hadley and McCloy in New York City.  Mr. Beers holds 
a B.S. in Economics from Arizona State University and a J.D. from Pace Law School.

Joseph Schreiner, 59, became our Executive Vice President, Technical in October 2004.  Prior to joining Aircastle, 
Mr. Schreiner oversaw the technical department at AAR Corp, a provider of products and services to the aviation and defense 
industries from 1998 to 2004 where he managed aircraft and engine evaluations and inspections, aircraft lease transitions, 
reconfiguration and heavy maintenance.  Prior to AAR, Mr. Schreiner spent nineteen years at Boeing (McDonnell-Douglas) 
in various technical management positions.  Mr. Schreiner received a B.S. from the University of Illinois and an MBA from 
Pepperdine University.

Aaron Dahlke, 48, became our Chief Accounting Officer in June 2005.  Prior to that, Mr. Dahlke was Vice President 
and Controller of Boullioun Aviation Services Inc. from January 2003 to May 2005.  Prior to Boullioun, Mr. Dahlke was at 
ImageX.com,  Inc.  and  Ernst & Young  LLP.    He  received  a  B.S.  in Accounting  from  California  State  University,  San 
Bernardino.  He is a Certified Public Accountant.

30

PART II

ITEM 5.  MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTER AND 

ISSUER PURCHASES OF EQUITY SECURITIES

Our common shares are listed for trading on the New York Stock Exchange under the symbol “AYR.”  As of February 

7, 2017, there were 26,838 record holders of our common shares.

The following table sets forth the quarterly high and low prices of our common shares on the New York Stock Exchange 

for the periods indicated since our initial public offering and dividends during such periods:

Year Ended December 31, 2016:

First Quarter

Second Quarter

Third Quarter

Fourth Quarter

Year Ended December 31, 2015:

First Quarter

Second Quarter

Third Quarter

Fourth Quarter

High

Low

Dividends
Declared  
per
Share ($)

$

$

$

$

$

$

$

$

22.49

22.74

22.95

22.99

23.82

25.52

24.70

23.49

$

$

$

$

$

$

$

$

15.06

18.82

18.56

18.26

19.64

22.15

18.50

19.13

$

$

$

$

$

$

$

$

0.240

0.240

0.240

0.260

0.220

0.220

0.220

0.240

Our ability to pay, maintain or increase cash dividends to our shareholders is subject to the discretion of our Board of 
Directors and will depend on many factors, including the difficulty we may experience in raising capital in a market that 
has experienced significant volatility in recent years and our ability to finance our aircraft acquisition commitments; our 
ability to negotiate favorable lease and other contractual terms; the level of demand for our aircraft; the economic condition 
of the commercial aviation industry generally; the financial condition and liquidity of our lessees; the lease rates we are able 
to charge and realize; our leasing costs; unexpected or increased expenses; the level and timing of capital expenditures; 
principal repayments and other capital needs; the value of our aircraft portfolio; our compliance with loan to value, debt 
service coverage, interest rate coverage and other financial covenants in our financings; our results of operations, financial 
condition and liquidity; general business conditions; restrictions imposed by our securitizations or other financings; legal 
restrictions on the payment of dividends, including a statutory dividend test and other limitations under Bermuda law; and 
other factors that our Board of Directors deems relevant.  Some of these factors are beyond our control and a change in any 
such factor could affect our ability to pay dividends on our common shares.  In the future we may not choose to pay dividends 
or may not be able to pay dividends, maintain our current level of dividends, or increase them over time.  Increases in demand 
for our aircraft and operating lease payments may not occur and may not increase our actual cash available for dividends 
to our common shareholders.  The failure to maintain or pay dividends may adversely affect our share price.

31

Issuer Purchases of Equity Securities

In February 2016, our Board of Directors authorized the repurchase of $100.0 million of the Company’s common 

shares.  During the fourth quarter of 2016, we purchased our common shares as follows:

Total
Number
of Shares
Purchased

Average
Price
Paid
per Share

Total Number of
Shares Purchased
as Part of Publicly
Announced Plans
or Programs(1)

(Dollars in thousands, except per share amounts)

Maximum
Number (or
Approximate
Dollar Value) of
Shares that May
Yet Be Purchased
Under the Plans or
Programs(1)

— $

41,000

—

41,000

$

—

18.75

—

18.75

— $

41,000

—

41,000

$

96,656

95,888

95,888
95,888  

Period

October 1 through 31

November 1 through 30

December 1 through 31

   Total

______________

(1)  Under our current repurchase program, we have purchased an aggregate of 217,574 common shares at an aggregate cost of $4.1 million, including commissions.

Performance Graph

The following stock performance graph shall not be deemed “filed” with the SEC or subject to Section 18 of the 
Exchange Act, nor shall it be deemed incorporated by reference in any of our filings under the Securities Act of 1933, as 
amended.

The following graph compares the cumulative five year total return to holders of our common shares relative to the 
cumulative total returns of the S&P Midcap 400 Index and a customized peer group over the five year period ended December 
31, 2016.  The peer group consists of three companies: AerCap Holdings NV (NYSE: AER), Air Lease Corporation (NYSE: 
AL) and FLY Leasing Limited (NYSE: FLY).  An investment of $100 (with reinvestment of all dividends) is assumed to 
have been made in our common shares, the S&P Midcap 400 Index and in the peer group on December 31, 2011, and the 
relative performance of each is tracked through December 31, 2016.  The stock performance shown on the graph below 
represents historical stock performance and is not necessarily indicative of future stock price performance.  We believe that 
the S&P Midcap 400 Index is more representative of our peers and as such, we utilize the S&P Midcap 400 Index as one of 
the metrics for our performance share-based compensation as part of our long-term incentive plan.

32

 
*  $100 invested on December 31, 2011 in stock or index, including reinvestment of dividends.

Aircastle Limited

S&P Midcap 400

Peer Group

12/31/11

12/31/12

12/31/13

12/31/14

12/31/15

12/31/16

$ 127.29

$ 103.77

$ 165.60

$ 192.80

$ 196.31

$ 205.19

98.27

82.53

117.88

103.24

157.37

203.09

172.74

210.89

168.98

226.50

204.03

222.69

33

ITEM 6.   SELECTED FINANCIAL DATA

The selected historical consolidated financial, operating and other data as of December 31, 2016 and 2015 and for 
each  of  the  three  years  in  the  period  ended  December  31,  2016  presented  in  this  table  are  derived  from  our  audited 
consolidated  financial  statements  and  related  notes  thereto  appearing  elsewhere  in  this Annual  Report.    The  selected 
consolidated  financial  data  as  of  December  31,  2013  and  2012  presented  in  this  table  are  derived  from  our  audited 
consolidated financial statements and related notes thereto, which are not included in this Annual Report.  You should read 
these tables along with Item 7. “Management’s Discussion and Analysis of Financial Condition and Results of Operations” 
and our Consolidated Financial Statements and the related notes thereto included elsewhere in this Annual Report.

Selected Financial Data:

Consolidated Statements of Income:

Lease rental revenue

Total revenues

Selling, general and administrative expenses

Depreciation

Interest, net

Net income

Earnings per common share — Basic:

Net income

Earnings per common share — Diluted:

Net income

Cash dividends declared per share

Other Operating Data:

EBITDA

Adjusted EBITDA

Adjusted net income

Consolidated Statements of Cash Flows:

Cash flows provided by operations

Cash flows used in investing activities

Year Ended December 31,

2016

2015

2014

2013

2012

(Dollars in thousands, except share data)

$ 725,220

$ 733,417

$ 714,654

$

644,929

$

623,503

772,958

61,872

305,216

255,660

151,453

819,202

56,198

318,783

243,577

121,729

818,602

55,773

299,365

238,378

100,828

708,645

53,436

284,924

243,757

29,781

686,572

48,370

269,920

222,808

32,868

$

$

$

1.92

1.92

0.98

$

$

$

1.50

1.50

0.90

$

$

$

1.25

1.25

0.82

$

$

$

0.40

0.40

0.695

$

$

$

0.46

0.46

0.615

$ 734,989

$ 707,524

$ 658,606

$

600,088

$

546,285

767,953

168,527

832,105

142,271

792,283

167,642

717,209

59,260

647,622

57,009

$ 468,092

$ 526,285

$ 458,786

$

424,037

$

427,277

(646,155)

(864,662)

(861,602)

(682,933)

(741,909)

Cash flows provided by (used in) financing activities

477,738

324,625

(82,141)

295,292

637,327

Consolidated Balance Sheet Data:

Cash and cash equivalents

Flight equipment held for lease, net of accumulated
depreciation

$ 455,579

$ 155,904

$ 169,656

$

654,613

$

618,217

6,247,585

5,867,062

5,579,718

5,044,410

4,662,661

Net investment in finance and sales-type leases

260,853

201,211

106,651

145,173

119,951

Total assets

7,244,665

6,569,964

6,175,146

6,199,429

5,757,073

Borrowings from secured and unsecured financings, net of
debt issuance costs

Shareholders’ equity

Other Data:

4,506,245

4,041,156

1,834,314

1,779,500

3,744,587

1,720,335

3,684,897

1,645,407

3,543,589

1,415,626

Number of aircraft owned and managed on behalf of our
joint ventures (at the end of period)

Total debt to total capitalization

Total unencumbered assets

206

71.1%

167

69.4%

152

68.5%

162

69.1%

159

71.5%

$ 5,069,955

$4,084,134

$ 3,510,588

$ 3,309,821

$ 2,709,915

34

 
 
 
We define EBITDA as income from continuing operations before income taxes, interest expense, and depreciation 
and amortization.  We use EBITDA to assess our consolidated financial and operating performance, and we believe this 
non-U.S. GAAP measure is helpful in identifying trends in our performance.  This measure provides an assessment of 
controllable expenses and affords management the ability to make decisions which are expected to facilitate meeting current 
financial goals as well as achieving optimal financial performance.  It provides an indicator for management to determine 
if adjustments to current spending decisions are needed. EBITDA provides us with a measure of operating performance 
because it assists us in comparing our operating performance on a consistent basis as it removes the impact of our capital 
structure (primarily interest charges on our outstanding debt) and asset base (primarily depreciation and amortization) from 
our  operating  results.   Accordingly,  this  metric  measures  our  financial  performance  based  on  operational  factors  that 
management can impact in the short-term, namely the cost structure, or expenses, of the organization.  EBITDA is one of 
the metrics used by senior management and the Board of Directors to review the consolidated financial performance of 
our business.

We define Adjusted EBITDA as EBITDA (as defined above) further adjusted to give effect to adjustments required 
in calculating covenant ratios and compliance as that term is defined in the indenture governing our senior unsecured notes.  
Adjusted EBITDA is a material component of these covenants.

The  table  below  shows  the  reconciliation  of  net  income  to  EBITDA  and Adjusted  EBITDA  for  the  years  ended 

December 31, 2016, 2015, 2014, 2013 and 2012.

Net income

Depreciation

Amortization of net lease premiums (discounts) and lease incentives

Interest, net

Income tax provision

     EBITDA

Adjustments:

Year Ended December 31,

2016

2015

2014

2013

2012

(Dollars in thousands)

$ 151,453

$ 121,729

$ 100,828

$

29,781

$

32,868

305,216

10,353

255,660

12,307

318,783

10,664

243,577

12,771

299,365

284,924

269,920

6,172

32,411

12,844

238,378

13,863

243,757

222,808

9,215

7,845

$ 734,989

$ 707,524

$ 658,606

$ 600,088

$ 546,285

  Impairment of aircraft

  Loss on extinguishment of debt

  Non-cash share-based payment expense

  Gain on mark-to-market of interest rate derivative contracts

  Contract termination expense

     Adjusted EBITDA

28,585

119,835

—

7,901

(3,522)

—

—

5,537

(791)

—

93,993

36,570

4,244

(1,130)

—

117,306

96,454

—

4,569

(4,754)

—

—

4,232

(597)

1,248

$ 767,953

$ 832,105

$ 792,283

$ 717,209

$ 647,622

Management believes that Adjusted Net Income (“ANI”) when viewed in conjunction with the Company’s results 
under  U.S.  GAAP  and  the  below  reconciliation,  provides  useful  information  about  operating  and  period-over-period 
performance, and provides additional information that is useful for evaluating the underlying operating performance of our 
business without regard to periodic reporting elements related to interest rate derivative accounting, changes related to 
refinancing activity and non-cash share-based payment expense.

For additional information regarding the limitations of these non-GAAP measures, see "Limitations of EBITDA, 

Adjusted EBITDA and ANI" below.

35

 
 
 
The table below shows the reconciliation of net income to ANI for the years ended December 31, 2016, 2015, 2014, 

2013 and 2012.

Net income

$ 151,453

$ 121,729

$ 100,828

$

29,781

$

32,868

Year Ended December 31,

2016

2015

2014

2013

2012

(Dollars in thousands)

Loss on extinguishment of debt(2)
Ineffective portion and termination of cash flow hedges(1)
Gain on mark-to-market of interest rate derivative contracts(2)
Loan termination payment(1)
Write-off of deferred financing fees(1)

     Stock compensation expense(3)
     Term Financing No. 1 hedge loss amortization charges(1)
     Securitization No. 1 hedge loss amortization charges(1)
     Contract termination expense

Adjusted net income

_____________

(1) 

(2) 

(3) 

Included in Interest, net.

Included in Other income (expense).

Included in Selling, general and administrative expenses.

—

—

(3,522)

4,960

2,880

7,901

—

4,855

—

—

455

(791)

—

—

5,537

4,401

10,940

—

36,570

660

(1,130)

—

—

4,244

14,854

11,616

—

—

2,393

(4,754)

2,954

3,975

4,569

17,843

2,499

—

—

2,893

(597)

—

3,034

4,232

13,331

—

1,248

$ 168,527

$ 142,271

$ 167,642

$

59,260

$

57,009

36

 
 
 
ITEM 7.   MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS 

OF OPERATIONS

This management’s discussion and analysis of financial condition and results of operations contains forward-looking 
statements that involve risks, uncertainties and assumptions. You should read the following discussion in conjunction with 
Item 6.  “Selected  Financial  Data”  and  our  historical  consolidated  financial  statements  and  the  notes  thereto  appearing 
elsewhere in this report.  The results of operations for the periods reflected herein are not necessarily indicative of results 
that may be expected for future periods, and our actual results may differ materially from those discussed in the forward-
looking  statements  as  a  result  of  various  factors,  including  but  not  limited  to  those  described  under  Item 1A. —  “Risk 
Factors” and elsewhere in this report.  Please see “Safe Harbor Statement Under the Private Securities Litigation Reform 
Act of 1995” for a discussion of the uncertainties, risks and assumptions associated with these statements. Our consolidated 
financial  statements  are  prepared  in  accordance  with  U.S. GAAP  and,  unless  otherwise  indicated,  the  other  financial 
information contained in this report has also been prepared in accordance with U.S. GAAP.  Unless otherwise indicated, all 
references to “dollars” and “$” in this report are to, and all monetary amounts in this report are presented in, U.S. dollars.

OVERVIEW

Aircastle acquires, leases, and sells commercial jet aircraft to airlines throughout the world.  As of December 31, 2016, 
we owned and managed on behalf of our joint ventures 206 aircraft that were leased to 71 lessees located in 36 countries.  
Our aircraft are managed by an experienced team based in the United States, Ireland and Singapore.  Our aircraft are subject 
to net leases whereby the lessee is generally responsible for maintaining the aircraft and paying operational, maintenance 
and insurance costs, although in certain cases, we are obligated to pay a portion of specified maintenance or modification 
costs.  As of December 31, 2016, the net book value was $6.51 billion compared to $6.07 billion at the end of 2015.  Our 
revenues and net income for the year ended December 31, 2016 were $773.0 million and $151.5 million respectively, and 
for the fourth quarter 2016 were $204.7 million and $67.7 million, respectively.

Revenues

Our revenues are comprised primarily of operating lease rentals on flight equipment held for lease, revenue from 
retained maintenance payments related to lease expirations, lease termination payments, lease incentive amortization and 
interest recognized from finance and sales-type leases.

Typically, our aircraft are subject to net leases whereby the lessee pays lease rentals and is generally responsible for 
maintaining the aircraft and paying operational, maintenance and insurance costs arising during the term of the lease.  Our 
aircraft lease agreements generally provide for the periodic payment of a fixed amount of rent over the life of the lease and 
the amount of the contracted rent will depend upon the type, age, specification and condition of the aircraft and market 
conditions at the time the lease is committed.  The amount of rent we receive will depend on a number of factors, including 
the creditworthiness of our lessees and the occurrence of restructurings and defaults.  Our lease rental revenues are also 
affected by the extent to which aircraft are off-lease and our ability to remarket aircraft that are nearing the end of their 
leases in order to minimize their off-lease time.  Our success in re-leasing aircraft is affected by market conditions relating 
to our aircraft and by general industry conditions and trends.  An increase in the percentage of off-lease aircraft or a reduction 
in lease rates upon remarketing would negatively impact our revenues.

Under an operating lease, the lessee will be responsible for performing maintenance on the relevant aircraft and will 
typically  be  required  to  make  payments  to  us  for  heavy  maintenance,  overhaul  or  replacement  of  certain  high-value 
components of the aircraft.  These maintenance payments are based on hours or cycles of utilization or on calendar time, 
depending upon the component, and would be made either monthly in arrears or at the end of the lease term.  For maintenance 
payments made monthly in arrears during a lease term, we will typically be required to reimburse all or a portion of these 
payments to the lessee upon their completion of the relevant heavy maintenance, overhaul or parts replacement.  We record 
maintenance payments paid by the lessee during a lease as accrued maintenance liabilities in recognition of our obligation 
in the lease to refund such payments, and therefore we do not recognize maintenance revenue during the lease.  Maintenance 
revenue recognition would occur at the end of a lease, when we are able to determine the amount, if any, by which reserve 
payments received exceed the amount we are required under the lease to reimburse to the lessee for heavy maintenance, 
overhaul or parts replacement.  The amount of maintenance revenue we recognize in any reporting period is inherently 
volatile  and  is  dependent  upon  a  number  of  factors,  including  the  timing  of  lease  expiries,  including  scheduled  and 
unscheduled expiries, the timing of maintenance events and the utilization of the aircraft by the lessee.

37

Many of our leases contain provisions which may require us to pay a portion of the lessee’s costs for heavy maintenance, 
overhaul or replacement of certain high-value components.  We account for these expected payments as lease incentives, 
which are amortized as a reduction of revenue over the life of the lease.  We estimate the amount of our portion for such 
costs, typically for the first major maintenance event for the airframe, engines, landing gear and auxiliary power units, 
expected to be paid to the lessee based on assumed utilization of the related aircraft by the lessee, the anticipated cost of the 
maintenance event and the estimated amounts the lessee is responsible to pay.

This estimated lease incentive is not recognized as a lease incentive liability at the inception of the lease.  We recognize 
the lease incentive as a reduction of lease revenue on a straight-line basis over the life of the lease, with the offset being 
recorded as a lease incentive liability which is included in maintenance payments on the balance sheet.  The payment to the 
lessee for the lease incentive liability is first recorded against the lease incentive liability and any excess above the lease 
incentive liability is recorded as a prepaid lease incentive asset which is included in other assets on the balance sheet and 
continues to amortize over the remaining life of the lease.

Operating Expenses

Operating expenses are comprised of depreciation of flight equipment held for lease, interest expense, selling, general 
and administrative expenses, aircraft impairment charges and maintenance and other costs.  Because our operating lease 
terms generally require the lessee to pay for operating, maintenance and insurance costs, our portion of maintenance and 
other costs relating to aircraft reflected in our statement of income primarily relates to expenses for unscheduled lease 
transitions.

Income Tax Provision

We obtained an assurance from the Minister of Finance of Bermuda under the Exempted Undertakings Tax Protection 
Act 1966 that, in the event any legislation is enacted in Bermuda imposing any tax computed on profits or income, or 
computed on any capital asset, gain or appreciation or any tax in the nature of estate duty or inheritance tax, such tax shall 
not, until March 2035, be applicable to us or to any of our operations or to our shares, debentures or other obligations except 
insofar as such tax applies to persons ordinarily resident in Bermuda or to any taxes payable by us in respect of real property 
owned or leased by us in Bermuda.  Consequently, the provision for income taxes recorded relates to income earned by 
certain subsidiaries of the Company which are located in, or earn income in, jurisdictions that impose income taxes, primarily 
Ireland, Singapore and the United States.

All  of  our  aircraft-owning  subsidiaries  that  are  recognized  as  corporations  for  U.S. tax  purposes  are  non-
U.S. corporations.  These non-U.S. subsidiaries generally earn income from sources outside the United States and typically 
are not subject to U.S. federal, state or local income taxes, unless they operate within the U.S., in which case they may be 
subject to federal, state and local income taxes.  The aircraft owning subsidiaries resident in Ireland, Mauritius and Singapore 
are subject to tax in those respective jurisdictions.

We have a U.S.-based subsidiary which provides management services to our non-U.S. subsidiaries and is subject to 
U.S. federal, state and local income taxes.  We also have Ireland and Singapore based subsidiaries which provide management 
services to our non-U.S. subsidiaries and are subject to tax in those respective jurisdictions.

Acquisitions and Sales

During 2016, we acquired 60 aircraft for $1.6 billion.  At December 31, 2016, we had commitments to acquire 28 
aircraft for $1.08 billion, including 25 new Embraer E-Jet E-2 aircraft from Embraer, with delivery beginning in 2018.  These 
amounts include estimated amounts for pre-delivery deposits, contractual price escalations and other adjustments.  As of 
February 7, 2017, we have commitments to acquire 28 aircraft for $1.08 billion.

During 2016, we sold 30 aircraft and other flight equipment for $755.9 million, which resulted in a net gain of $39.1 

million.

38

The following table sets forth certain information with respect to the aircraft owned and managed on behalf of our 

joint ventures by us as of December 31, 2016, 2015 and 2014:

AIRCASTLE AIRCRAFT INFORMATION (dollars in millions) 

Owned Aircraft

Flight Equipment Held for Lease

Unencumbered Flight Equipment included in Flight Equipment Held for Lease

Number of Aircraft

Number of Unencumbered Aircraft

Number of Lessees

Number of Countries
Weighted Average Age (years)(2)
Weighted Average Remaining Lease Term (years)(2)
Weighted Average Fleet Utilization during the Fourth Quarter(3)
Weighted Average Fleet Utilization for the Year Ended(3)
Portfolio Yield for the Fourth Quarter(4)
Portfolio Yield for the Year Ended(4)

Managed Aircraft on behalf of Joint Ventures

Flight Equipment

Number of Aircraft

 ____________

As of
December 31, 
2016(1)

As of
December 31, 
2015(1)

As of
December 31, 
2014(1)

$

$

6,508

4,614

$

$

6,068

3,928

$

$

193

156

71

36

7.9

5.1

99.0%

98.9%

12.4%

12.4%

162

118

53

34

7.5

5.9

99.7%

99.3%

12.6%

12.7%

$

689

13

$

484

$

5

5,686

3,341

148

95

54

34

8.4

5.4

99.9%

99.6%

13.3%

13.4%

505

5

(1)  Calculated using net book value at period end. 

(2)  Weighted by net book value.

(3)  Aircraft on-lease days as a percent of total days in period weighted by net book value.

(4)  Lease rental revenue, interest income and cash collections on our net investment in finance and sales-type leases for the period as a percent of the average 
net book value for the period; quarterly information is annualized.  Based on the growing level of finance and sales-type lease revenue, management revised 
the calculation of portfolio yield to include our net investment in finance and sales-type leases in the average net book value and to include the interest 
income and cash collections on our net investment in finance and sales-type leases in lease rentals.

Our owned aircraft portfolio as of December 31, 2016 is listed in Exhibit 99.1 to this report.

39

PORTFOLIO DIVERSIFICATION

Aircraft Type

Passenger:

Narrow-body

Wide-body

Total Passenger

Freighter

Total

Manufacturer

Airbus

Boeing

Embraer

Total

Regional Diversification

Asia and Pacific

Europe

Middle East and Africa

North America

South America

Off-lease

Total

 _______________

Owned Aircraft as of
December 31, 2016

Owned Aircraft as of
December 31, 2015

Number of
Aircraft

% of Net
Book Value(1)

Number of
Aircraft

% of Net
Book Value(1)

155

30

185

8

193

103

85

5

193

61

66

14

26

23
3 (2)

193

56%

36%

92%

8%

100%

51%

47%

2%

100%

38%

23%

11%

8%

18%

2%

100%

118

33

151

11

162

87

70

5

162

49

64

9

17

22
1 (3)

162

46%

44%

90%

10%

100%

53%

45%

2%

100%

39%

26%

10%

6%

19%

—%

100%

(1)  Calculated using net book value at year end.

(2)  Consisted of one Airbus A330-200 aircraft, which was delivered on lease to a customer in February 2017, and two Airbus A321-200 aircraft which are subject 

to a commitment to lease.

(3)  Consisted of one Boeing 777-200ER aircraft that was sold during the second quarter of 2016.

40

 
 
Our largest customer represents 6% of the net book value at December 31, 2016.  Our top fifteen customers for aircraft 

we owned at December 31, 2016, representing 88 aircraft and 59% of the net book value, are as follows:

Percent of Net Book Value
Greater than 6% per customer

3% to 6% per customer

Less than 3% per customer

Customer
Avianca Brazil
Lion Air

LATAM
South African Airways
Thai Airways
Singapore Airlines
Air Asia X
Air Berlin
Emirates
AirBridge Cargo(1)
Iberia
Garuda

Jet Airways
Avianca
easyJet
   Total top 15 customers
All other customers
   Total all customers

Country
Brazil
Indonesia

Chile
South Africa
Thailand
Singapore
Malaysia
Germany
United Arab Emirates
Russia
Spain
Indonesia

India
Colombia
United Kingdom

Number 
of
Aircraft
10
12

3
4
2
4
3
11
2
2
11
4

8
2
10
88
105
193

(1)  Guaranteed by Volga-Dnepr Airlines.  We have one additional aircraft on lease with an affiliated airline.

Finance

Aircastle Limited is a publicly-listed company, and our shares have been trading on the New York Stock Exchange 
since August 2006.  Since our inception in late 2004, we raised approximately $1.7 billion in equity capital from private 
and public investors.  We also obtained $12.9 billion in debt capital from a variety of sources including export credit agency-
backed debt, commercial bank debt, the aircraft securitization markets and the unsecured bond market.  The diversity and 
global nature of our financing sources demonstrates our ability to adapt to changing market conditions and seize new growth 
opportunities.

We intend to fund new investments through cash on hand, funds generated from operations, maintenance payments 
received from lessees, secured borrowings for aircraft, draws on our revolving credit facilities and proceeds from any future 
aircraft sales.  We may repay all or a portion of such borrowings from time to time with the net proceeds from subsequent 
long-term debt financings, additional equity offerings or cash generated from operations and asset sales.  Therefore, our 
ability to execute our business strategy, particularly the acquisition of additional commercial jet aircraft or other aviation 
assets, depends to a significant degree on our ability to obtain additional debt and equity capital on terms we deem attractive.

See  “Liquidity  and  Capital  Resources —  Secured  Debt  Financings”  and “Liquidity  and  Capital  Resources — 

Unsecured Debt Financings” below.

41

  
 
Comparison of the year ended December 31, 2016 to the year ended December 31, 2015: 

Revenues:

Lease rental revenue

Finance and sales-type lease revenue

Amortization of net lease discounts and lease incentives

Maintenance revenue

Total lease rentals

Other revenue

Total revenues

Expenses:

Depreciation

Interest, net

Selling, general and administrative

Impairment of aircraft

Maintenance and other costs

Total operating expenses

Other income:

Gain on sale of flight equipment

Other

Total other income

Income from continuing operations before income taxes

Income tax provision

Earnings of unconsolidated equity method investment, net of tax

Net income

Revenues:

Year Ended December 31,

2016

2015

(Dollars in thousands)

$

725,220

$

733,417

17,190

(10,353)

33,590

765,647

7,311

772,958

305,216

255,660

61,872

28,585

7,773

659,106

39,126

3,527

42,653

7,658

(10,664)

71,049

801,460

17,742

819,202

318,783

243,577

56,198

119,835

11,502

749,895

58,017

919

58,936

156,505

128,243

12,307

7,255

12,771

6,257

$

151,453

$

121,729

Total revenues decreased by $46.2 million, for the year ended December 31, 2016 as compared to the year ended 

December 31, 2015, primarily as a result of the following:

Lease rental revenue.  The decrease in lease rental revenue of $8.2 million for the year ended December 31, 2016 as 

compared to the same period in 2015 was primarily the result of decreases in revenue of:

•  $100.3 million due to sales of 56 aircraft since December 31, 2015; and

•  $14.8 million due to lease extensions, amendments, transitions and other changes.

These decreases were partially offset by a $106.9 million increase in revenue, reflecting the 52 aircraft purchased in 

2016 and 34 aircraft purchased in 2015.

Finance and sales-type lease revenue.  For the year ended December 31, 2016, $17.2 million of interest income from 
finance and sales-type leases was recognized as compared to $7.7 million in 2015, due to the net addition of aircraft subject 
to finance and sales-type leases.

42

 
 
 
Amortization of net lease discounts and lease incentives.

Amortization of lease incentives

Amortization of lease premiums

Amortization of lease discounts

Amortization of net lease discounts and lease incentives

Year Ended December 31,

2016

2015

(Dollars in thousands)

$

(6,223) $

(9,897)

(13,744)

9,614

(10,922)

10,155

$

(10,353) $

(10,664)

As more fully described above under “Revenues,” lease incentives represent our estimated portion of the lessee's cost 
for heavy maintenance, overhaul or replacement of certain high-value components which is amortized over the life of the 
related lease.  As we enter into new leases, the amortization of lease incentives generally increases and, conversely, if a 
related lease terminates, the related unused lease incentive liability will reduce the amortization of lease incentives.  The 
decrease in amortization of lease incentives of $3.7 million for the year ended December 31, 2016 as compared to the same 
period in 2015 was primarily attributable to changes in estimates related to engines for three freighter aircraft of $9.3 million 
and the sale of nine aircraft for $2.1 million, partially offset by $7.7 million in reversals related to the transition of thirteen 
aircraft and the sale of one aircraft.

As more fully described above under “Revenues,” lease premiums represent the present value of the amount above 
current lease rates for acquired aircraft with attached leases.  The increase in amortization of lease premiums of $2.8 million 
for the year ended December 31, 2016 as compared to the same period in 2015 resulted primarily from sixteen aircraft 
purchased during 2015 and 2016.

Maintenance revenue.  For the year ended December 31, 2016, we recorded $33.6 million of maintenance revenue, 
primarily from eleven scheduled lease terminations.  For 2015, we recorded $62.0 million of maintenance revenue from 
seventeen scheduled lease terminations and $9.1 million from one unscheduled lease termination.

Other revenue was $7.3 million during the year ended December 31, 2016, comprised of $5.1 million recognized in 
additional  fees  paid  by  lessees  in  connection  with  early  termination  and  amendment  of  leases  and  $2.1  million  in 
administrative fees from the Lancaster and IBJ Air joint ventures.  For the year ended December 31, 2015, other revenue 
was $17.7 million, which was primarily due to $12.9 million recognized in additional fees paid by lessees in connection 
with early termination of leases, $3.2 million in fees related to other lease revenue and $1.5 million in administrative fees 
from the Lancaster joint venture.

Operating Expenses:

Total operating expenses decreased by $90.8 million, for the year ended December 31, 2016 as compared to the year 

ended December 31, 2015 primarily as a result of the following:

Depreciation expense decreased by $13.6 million for the year ended December 31, 2016 over the same period in 2015.  
The net decrease is primarily the result of a $59.9 million decrease in depreciation for aircraft sales.  This decrease was 
offset by:

• 
• 
• 

a $41.3 million increase in depreciation for aircraft acquired;
a $3.8 million increase due to capitalized aircraft improvements; and
a $1.2 million increase due to changes to asset lives and residual values.

43

 
 
 
Interest, net consisted of the following:

Interest on borrowings, net settlements on interest rate derivatives, and other liabilities(1)

$

228,774

$

204,326

Year Ended December 31,

2016

2015

(Dollars in thousands)

Hedge ineffectiveness losses

Amortization of deferred losses related to interest rate derivatives
Amortization of deferred financing fees and debt discount(2)

Interest expense

Less: Interest income

Less: Capitalized interest

Interest, net

______________

—

9,662

18,508

256,944

(1,140)

(144)

$

255,660

$

455

24,023

14,878

243,682

(105)

—
243,577  

(1) 

(2) 

Includes $5.0 million in loan termination fees related to the sale of two aircraft during the year ended December 31, 2016.

Includes $2.9 million in deferred financing fees written off related to the sale of two aircraft during the year ended December 31, 2016.

Interest, net increased by $12.1 million over the year ended December 31, 2015.  The net increase is primarily a result 
of higher interest on borrowings of $24.4 million, driven by an increase from higher weighted average debt outstanding, a 
$3.6 million increase in amortization of deferred financing fees, including $2.9 million written off due to the sale of two 
aircraft, and $5.0 million in loan termination fees related to the sale of two aircraft during the year ended December 31, 
2016 as compared to 2015.  These increases were partially offset by a $14.4 million decrease in amortization of interest rate 
derivatives related to deferred losses.

Selling, general and administrative expenses for the year ended December 31, 2016 increased by $5.7 million over 
the same period in 2015 due primarily to higher personnel and rent costs.  Non-cash share-based payment expense was 
$7.9 million and $5.5 million for the years ended December 31, 2016 and 2015, respectively.

Impairment of aircraft was $28.6 million during the year ended December 31, 2016.  Impairment of aircraft was $119.8 
million during the year ended December 31, 2015.  See “Summary of Recoverability Assessment and Other Impairments” 
below for a detailed discussion of the related impairment charges for these aircraft.

Maintenance and other costs were $7.8 million for the year ended December 31, 2016, a decrease of $3.7 million over 
the same period in 2015.  The net decrease is primarily related to lower maintenance costs related to unscheduled terminations 
and transitions.

Other Income:

Total other income for the year ended December 31, 2016 was $42.7 million of income as compared to $58.9 million 

of expense versus the same period in 2015.  The decrease of $16.3 million is primarily a result of:

Gain on sale of flight equipment decreased by $18.9 million, to $39.1 million for 2016, as compared to net gains of 
$58.0 million for 2015.  During 2016, we recorded gains totaling $50.9 million that were partially offset by losses totaling 
$11.8 million.  During 2015, we recorded gains totaling $61.2 million and losses of $3.2 million.

Income Tax Provision:

Our provision for income taxes for the years ended December 31, 2016 and 2015 was $12.3 million and $12.8 million, 
respectively.  Income taxes have been provided based on the applicable tax laws and rates of those countries in which 
operations are conducted and income is earned, primarily Ireland, Singapore and the United States.  The decrease in our 
income tax provision of approximately $0.5 million for the year ended December 31, 2016 as compared to the same period 
in 2015 was primarily attributable to changes in operating income subject to tax in Ireland, Singapore, the United States and 
other jurisdictions.

44

 
 
 
All  of  our  aircraft-owning  subsidiaries  that  are  recognized  as  corporations  for  U.S. tax  purposes  are  non-
U.S. corporations.  These non-U.S. subsidiaries generally earn income from sources outside the United States and typically 
are not subject to U.S. federal, state or local income taxes unless they operate within the U.S., in which case they may be 
subject to federal, state and local income taxes.  The aircraft owning subsidiaries resident in Ireland, Mauritius and Singapore 
are subject to tax in those respective jurisdictions.

We have a U.S.-based subsidiary which provides management services to our non-U.S. subsidiaries and is subject to 
U.S. federal, state and local income taxes.  In addition, we have Ireland and Singapore based subsidiaries which provide 
management services to our non-U.S. subsidiaries and are subject to tax in those respective jurisdictions.

The Company received an assurance from the Bermuda Minister of Finance that it would be exempted from local 
income, withholding and capital gains taxes until March 2035.  Consequently, the provision for income taxes recorded relates 
to income earned by certain subsidiaries of the Company which are located in, or earn income in, jurisdictions that impose 
income taxes, primarily the United States and Ireland.

Other Comprehensive Income:

Net income

Net change in fair value of derivatives, net of tax expense of $0 and $35, respectively

Derivative loss reclassified into earnings

Total comprehensive income

Year Ended December 31,

2016

2015

(Dollars in thousands)

$

151,453

$

121,729

(1)

9,662

1,224

24,023

$

161,114

$

146,976

Other comprehensive income was $161.1 million for the year ended December 31, 2016, an increase of $14.1 million 
from the $147.0 million of other comprehensive income for the year ended December 31, 2015.  Other comprehensive 
income for the year ended December 31, 2016 primarily consisted of:

• 
• 

$151.5 million of net income; and
$9.7 million of amortization of deferred net losses reclassified into earnings primarily related to terminated interest 
rate derivatives.

Other comprehensive income for the year ended December 31, 2015 primarily consisted of:

• 
• 

• 

$121.7 million of net income;
a $1.2 million gain from a change in fair value of interest rate derivatives, net of taxes, which is due primarily to 
net settlements for the year ended December 31, 2015, including a slight gain due to an upward shift in the 1 
Month LIBOR forward curve; and
$24.0 million of amortization of deferred net losses reclassified into earnings primarily related to terminated 
interest rate derivatives.

Summary of Recoverability Assessment and Other Impairments

Recoverability Assessment

We completed our annual recoverability assessment of wide-body and freighter aircraft during the second quarter and 
narrow-body aircraft fleet during the third quarter.  We also performed aircraft-specific analyses where there were changes 
in circumstances, such as approaching lease expirations.

The recoverability assessment is a comparison of the carrying value of each aircraft to its undiscounted expected future 
cash flows.  We develop the assumptions used in the recoverability assessment, including those relating to current and future 
demand for each aircraft type, based on management’s experience in the aircraft leasing industry, as well as information 
received from third-party sources.  Estimates of the undiscounted cash flows for each aircraft type are impacted by changes 
in contracted and future expected lease rates, residual values, expected scrap values, economic conditions and other factors.

45

 
 
 
In our third quarter 2016 assessment, we reduced economic lives and residuals for all six older Boeing 757-200 aircraft, 
which we intend to sell at lease end.  As a result, we recorded impairment charges totaling $2.2 million relating to two of 
these aircraft held as operating leases and impairment losses totaling $2.6 million relating to three of these aircraft held as 
finance leases.

During the second quarter of 2016, we reduced forecasted cash flows for older Airbus A330 aircraft to reflect lower 
rental expectations given weak demand and increased competition from newer units.  As a result, we recorded impairment 
charges totaling $11.7 million and maintenance revenue of $4.0 million relating to one sixteen year old Airbus A330-200 
aircraft approaching lease expiry.

In our 2015 assessment, we reduced forecasted future cash flows for our six Boeing 747-400 converted freighter aircraft 
not subject to sales agreements, all of which were more than twenty years old.  Our new forecast reflected the persisting 
glut of supply in the air cargo market resulting from weak growth in demand combined with the growth in capacity arising 
from new production air freighters and higher belly capacity in latest generation wide-body passenger aircraft.  In addition 
to  these  market-wide  impacts,  our  older  freighters  were  affected  specifically  by  the  imposition  of  age  limits  in  certain 
countries and by lower utilization levels.

As a result, we determined that each of our older converted freighter aircraft was on its last lease, and we reduced our 
residual value assumptions for these aircraft and expect to scrap them following lease expiry.  During the third quarter of 
2015, we therefore impaired four of these aircraft, which had an aggregate net book value as of August 31, 2015 of $115.9 
million, writing down their book values by a total of $34.6 million, with a fair value date of September 1, 2015.  For one of 
these aircraft, we recorded maintenance revenue of $5.9 million, as we no longer planned to reinvest these funds.

Other Impairments

In the third quarter of 2016, we reduced forecasted cash flows for three Boeing 747-400 converted freighter aircraft 
due to a change in planned engine maintenance events.  These three aircraft are nearing the end of their economic lives and 
leases.  As a result, we recorded impairment charges totaling $5.5 million, maintenance revenue of $5.6 million and reversed 
lease incentives of $2.4 million.

Also in the third quarter of 2016, we impaired one Airbus A321-200 aircraft for which we had a sales agreement, 
resulting in an impairment charge of $1.7 million.  This aircraft was classified as Held for sale in Other assets at September 
30, 2016 and sold for its recorded value in October 2016.

In the second quarter of 2016, we entered into an agreement to sell two older Boeing 747-400 converted freighter 
aircraft to the lessee resulting in an impairment charge of $5.1 million.  These two aircraft were classified as Held for sale 
at June 30, 2016 in Other assets and were subsequently sold in July 2016.

In December 2015, one of our Airbus A330-300 aircraft was returned to us early as a result of a lease termination.  We 
elected not to reinvest in certain major maintenance needed to release this aircraft and instead have classified it as Held for 
sale.  As a result, we recorded an impairment of $16.9 million for this aircraft, partially offset by maintenance revenue of 
$9.1 million, reversed lease incentives of $4.5 million and other revenue of $1.8 million.

In the third quarter of 2015, Malaysian Airline System (“MAS”) informed us that it was effectively rejecting the lease 
on our Boeing 777-200ER aircraft as part of its restructuring.  This aircraft, which was manufactured in 1998, was the only 
aircraft we had on lease to MAS.  We repossessed it in October 2015.  We reduced the carrying value of this aircraft to our 
best estimate of scrap value. This write-down resulted in an impairment charge of $37.8 million, partially offset by $1.2 
million of other revenue from a letter of credit we drew following the lease rejection.  This aircraft was sold in the second 
quarter of 2016.

Also in the third quarter of 2015, we modified the lease agreement with respect to one Airbus A321-200 aircraft.  We 
elected not to reinvest in certain major maintenance events during the lease term, and the lessee agreed to release its rights 
to certain maintenance payments.  As a result, we recorded an impairment charge of $6.1 million and maintenance revenue 
of $7.1 million for this aircraft.

In the second quarter of 2015, we impaired two McDonnell Douglas MD-11 freighter aircraft and one Boeing 737-800 

aircraft and recorded impairment charges totaling $24.0 million and maintenance revenue of $18.2 million.

46

Other than the aircraft discussed above, management believes that the net book value of each of our aircraft is currently 
supported by the estimated future undiscounted cash flows expected to be generated by that aircraft, and accordingly, no 
other aircraft were impaired as a consequence of this recoverability assessment.  However, if our estimates or assumptions 
change, we may revise our cash flow assumptions and record future impairment charges.  While we believe that the estimates 
and related assumptions used in the recoverability assessment are appropriate, actual results could differ from those estimates.

Aircraft Monitoring List

At December 31, 2016, we considered six freighter aircraft and seven passenger aircraft with a total net book value 
of $549.2 million to be more susceptible to failing our recoverability assessments due to their sensitivity to changes in 
contractual cash flows, future cash flow estimates and aircraft residual or scrap values.

The majority of the aircraft on the Monitoring List by net book value are freighters.  Three of the freighters are Boeing 
747-400 models that were converted from passenger to cargo configuration and are in excess of 22 years old.  It is assumed 
they will be sold for scrap as their leases expire over the next two years.

The other three freighter aircraft on the Monitoring List are Boeing 747-400 extended range “factory” freighter models 
that  are  less  than  ten  years  old.    Our  useful  life  assumptions  for  these  aircraft  were  reduced  during  our  recoverability 
assessment two years ago.  We expect rental levels will drop from current levels over the next two years once the current 
leases expire or rentals are reset.

The seven passenger aircraft on the Monitoring List consist of three twenty-year old Boeing 757 aircraft, which we 
anticipate selling as they come off lease;  the other four aircraft are older Airbus A330-200s  that are either on lease or 
subject to a lease commitment.  Future rental assumptions for these Airbus A330-200 aircraft were reduced as part of the 
recoverability assessment completed during the second quarter of 2016.

47

Comparison of the year ended December 31, 2015 to the year ended December 31, 2014:

Revenues:

Lease rental revenue

Finance and sales-type lease revenue

Amortization of net lease discounts and lease incentives

Maintenance revenue

Total lease rentals

Other revenue

Total revenues

Expenses:

Depreciation

Interest, net

Selling, general and administrative

Impairment of aircraft

Maintenance and other costs

Total operating expenses

Other income (expense):

Gain on sale of flight equipment

Loss on extinguishment of debt

Other

Total other income (expense)

Income from continuing operations before income taxes

Income tax provision

Earnings of unconsolidated equity method investment, net of tax

Net income

Revenues:

Year Ended December 31,

2015

2014

(Dollars in thousands)

$

733,417

$

714,654

7,658

(10,664)

71,049

801,460

17,742

819,202

318,783

243,577

56,198

119,835

11,502

749,895

58,017

—

919

58,936

128,243

12,771

6,257

10,906

(6,172)

88,006

807,394

11,208

818,602

299,365

238,378

55,773

93,993

7,239

694,748

23,146

(36,570)

1,207

(12,217)

111,637

13,863

3,054

$

121,729

$

100,828

Total  revenues  increased  by  $0.6  million  for  the  year  ended  December 31,  2015  as  compared  to  the  year  ended 

December 31, 2014, primarily as a result of the following:

Lease rental revenue.  The increase in lease rental revenue of $18.8 million for the year ended December 31, 2015 as 
compared to the same period in 2014 was primarily the result of $171.1 million of revenue consisting of $97.4 million, 
reflecting the full year impact of 31 aircraft purchased in 2014, and $73.7 million, reflecting the partial year impact of 42 
aircraft purchased in 2015.

This increase was offset partially by a decrease in revenue of:

•  $118.6 million, consisting of $67.5 million due to the sale of 41 aircraft in 2014 and $51.1 million from the sale 

of 29 aircraft in 2015;

•  $27.1 million due to lease extensions, amendments and transitions; and
•  $6.6 million from the effect of lease terminations and other changes.

Finance and sales-type lease revenue.  For the year ended December 31, 2015, $7.7 million of interest income from 
finance and sales-type leases was recognized as compared to $10.9 million of interest income from finance and sales-type 

48

 
 
 
 
leases recorded for the same period in 2014 due to the sale of three aircraft during 2015 and six aircraft during 2014, partially 
offset by the addition of six aircraft in 2015.

Amortization of net lease discounts and lease incentives.

Amortization of lease incentives

Amortization of lease premiums

Amortization of lease discounts

Amortization of net lease discounts and lease incentives

Year Ended December 31,

2015

2014

(Dollars in thousands)

$

(9,897) $

(10,922)

10,155

(6,584)

(9,099)

9,511

$

(10,664) $

(6,172)

As more fully described above under “Revenues,” lease incentives represent our estimated portion of the lessee’s cost 
for heavy maintenance, overhaul or replacement of certain high-value components which is amortized over the life of the 
related lease.  As we enter into new leases, the amortization of lease incentives generally increases and, conversely, if a 
related lease terminates, the related unused lease incentive liability will reduce the amortization of lease incentives.  The 
increase in amortization of lease incentives of $3.3 million for the year ended December 31, 2015 as compared to the same 
period  in  2014  was  primarily  attributable  to  $7.1  million  of  lease  incentive  amortization  related  to  aircraft  that  were 
transitioned during the year ended December 31, 2015, partially offset by the reversal of $4.5 million of lease incentive 
amortization related to the early termination of one lease.

As more fully described above under “Revenues,” lease premiums represent the present value of the amount above 
current lease rates for acquired aircraft with attached leases.  The increase in amortization of lease premiums of $1.8 million 
for the year ended December 31, 2015 as compared to the same period in 2014 resulted primarily from eleven aircraft 
purchased during 2015 and 13 aircraft purchased during 2014.

Maintenance revenue.  For the year ended December 31, 2015, we recorded $62.0 million of maintenance revenue 
from  seventeen  scheduled  lease  terminations  and  $9.1  million  from  one  unscheduled  lease  termination.    For  2014,  we 
recorded $42.6 million of maintenance revenue from 25 scheduled lease terminations and $45.4 million from unscheduled 
lease terminations related to ten aircraft.

Other revenue was $17.7 million during the year ended December 31, 2015, which was primarily due to $12.9 million 
recognized in additional fees paid by lessees in connection with early termination of leases, $3.2 million in fees related to 
other  lease  revenue  and  $1.5  million  in  administrative  fees  from  the  joint  venture  with Teachers’.    For  the  year  ended 
December 31, 2014, other revenue was $11.2 million, which was primarily due to $10.2 million recognized in additional 
fees paid by lessees in connection with early termination of leases and $1.0 million in administrative fees from the joint 
venture with Teachers’.

Operating Expenses:

Total operating expenses increased by $55.1 million, for the year ended December 31, 2015 as compared to the year 

ended December 31, 2014 primarily as a result of the following:

Depreciation expense increased by $19.4 million for the year ended December 31, 2015 over the same period in 2014.  

The net increase is primarily the result of:

•     a $56.4 million increase in depreciation for aircraft acquired;
• 
• 

a $10.3 million increase due to changes to asset lives and residual values; and
a $5.5 million increase due to capitalized aircraft improvements.

This increase was offset by a $52.8 million decrease in depreciation for aircraft sales.

49

 
 
 
Interest, net consisted of the following:

Year Ended December 31,

2015

2014

(Dollars in thousands)

Interest on borrowings, net settlements on interest rate derivatives, and other liabilities

$

204,326

$

189,135

Hedge ineffectiveness losses

Amortization of deferred losses related to interest rate derivatives

Amortization of deferred financing fees and notes discount

Interest Expense

Less interest income

Interest, net

455

24,023

14,878

243,682

(105)

$

243,577

$

738

34,979

13,961

238,813

(435)
238,378  

Interest, net increased by $5.2 million over the year ended December 31, 2014.  This increase was due to higher interest 
of $15.2 million primarily resulting from higher weighted average debt outstanding for the year ended December 31, 2015 
versus the prior year, offset primarily by lower amortization of interest rate derivatives related to deferred losses of $11.0 
million.

Selling, general and administrative expenses for the year ended December 31, 2015 increased by $0.4 million over 
the same period in 2014 due primarily to an increase in personnel costs and professional services.  Non-cash share-based 
expense was $5.5 million and $4.2 million for the years ended December 31, 2015 and 2014, respectively.

Impairment of aircraft was $119.8 million during the year ended December 31, 2015.  See “Summary of Recoverability 
Assessment and Other Impairments” above for a detailed discussion of the related impairment charge for these aircraft.  
Impairment of aircraft was $94.0 million during the year ended December 31, 2014.

Maintenance and other costs were $11.5 million for the year ended December 31, 2015, an increase of $4.3 million 
over the same period in 2014.  The net increase is primarily related to higher maintenance costs of $1.3 million related to 
scheduled terminations and $4.1 million related to unscheduled terminations and transitions, partially offset by a decrease 
in other costs of $1.2 million for the year ended December 31, 2015 versus the same period in 2014.

Other Income:

Total other income (expense) for the year ended December 31, 2015 was $58.9 million of income as compared to $12.2 

million of expense versus the same period in 2014.  The increase of $71.2 million is primarily a result of:

Gain on sale of flight equipment increased $34.9 million, to $58.0 million for 2015, as compared to gains of $23.1 
million for 2014.  During 2015, we recorded gains totaling $61.2 million that were partially offset by losses totaling $3.2 
million.  During 2014, we recorded gains totaling $46.6 million and losses of $23.4 million.

Loss on extinguishment of debt of $36.6 million in 2014 relates to the early payment of our 9.75% Senior Notes due 

2018 in April, 2014.  We did not record any loss on extinguishment of debt in 2015.

Income Tax Provision:

Our provision for income taxes for the years ended December 31, 2015 and 2014 was $12.8 million and $13.9 million, 
respectively.  Income taxes have been provided based on the applicable tax laws and rates of those countries in which 
operations are conducted and income is earned, primarily Ireland, Singapore and the United States.  The decrease in our 
income tax provision of approximately $1.1 million for the year ended December 31, 2015 as compared to the same period 
in 2014 was primarily attributable to changes in operating income subject to tax in Ireland, Singapore, the United States and 
other jurisdictions.

All  of  our  aircraft-owning  subsidiaries  that  are  recognized  as  corporations  for  U.S. tax  purposes  are  non-
U.S. corporations. These non-U.S. subsidiaries generally earn income from sources outside the United States and typically 

50

 
 
 
are not subject to U.S. federal, state or local income taxes unless they operate within the U.S., in which case they may be 
subject to federal, state and local income taxes.  The aircraft owning subsidiaries resident in Ireland, Mauritius and Singapore 
are subject to tax in those respective jurisdictions.

We have a U.S.-based subsidiary which provides management services to our non-U.S. subsidiaries and is subject to 
U.S. federal, state and local income taxes.  In addition, we have Ireland and Singapore based subsidiaries which provide 
management services to our non-U.S. subsidiaries and are subject to tax in those respective jurisdictions.

The Company received an assurance from the Bermuda Minister of Finance that it would be exempted from local 
income, withholding and capital gains taxes until March 2035.  Consequently, the provision for income taxes recorded relates 
to income earned by certain subsidiaries of the Company which are located in, or earn income in, jurisdictions that impose 
income taxes, primarily the United States and Ireland.

Other Comprehensive Income:

Net income

Net change in fair value of derivatives, net of tax expense of $35 and $828, respectively

Derivative loss reclassified into earnings

Total comprehensive income

Year Ended December 31,

2015

2014

(Dollars in thousands)

$

121,729

$

100,828

1,224

24,023

2,466

34,979

$

146,976

$

138,273

Other comprehensive income was $147.0 million for the year ended December 31, 2015, an increase of $8.7 million 
from the $138.3 million of other comprehensive income for the year ended December 31, 2014.  Other comprehensive 
income for the year ended December 31, 2015 primarily consisted of:

• 
• 

• 

$121.7 million of net income;
a $1.2 million gain from a change in fair value of interest rate derivatives, net of taxes, which is due primarily to 
net settlements for the year ended December 31, 2015, including a slight gain due to an upward shift in the 1 
Month LIBOR forward curve; and
$24.0 million of amortization of deferred net losses reclassified into earnings primarily related to terminated 
interest rate derivatives.

Other comprehensive income for the year ended December 31, 2014 primarily consisted of:

• 
• 

• 

$100.8 million of net income;
a $2.5 million gain from a change in fair value of interest rate derivatives, net of taxes, which is due primarily to 
net settlements for the year ended December 31, 2014 partially offset by a slight loss due to a downward shift in 
the 1 Month LIBOR forward curve; and
$35.0 million of amortization of deferred net losses reclassified into earnings primarily related to terminated 
interest rate derivatives.

APPLICATION OF CRITICAL ACCOUNTING POLICIES AND ESTIMATES

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 U.S. GAAP, which requires us to make estimates and 
assumptions that affect the amounts reported in the consolidated financial statements and accompanying footnotes.  Our 
estimates and assumptions are based on historical experiences and currently available information.  Actual results may differ 
from such estimates under different conditions, sometimes materially.  A summary of our significant accounting policies is 
presented in the notes to our consolidated financial statements included elsewhere in this Annual Report.  Critical accounting 
policies and estimates are defined as those that are both most important to the portrayal of our financial condition and results 
and require our most subjective judgments, estimates and assumptions.  Our most critical accounting policies and estimates 
are described below.

51

 
 
 
Lease Revenue Recognition

Our operating lease rentals are recognized on a straight-line basis over the term of the lease.  We will neither recognize 
revenue  nor  record  a  receivable  from  a  customer  when  collectability  is  not  reasonably  assured.    Estimating  whether 
collectability is reasonably assured requires some level of subjectivity and judgment.  When collectability is not reasonably 
assured,  the  customer  is  placed  on  non-accrual  status  and  revenue  is  recognized  when  cash  payments  are  received.   
Management determines whether customers should be placed back on accrual status when we are reasonably assured that 
payments will be received in a timely manner.  The accrual/non-accrual status of a customer is maintained at a level deemed 
appropriate based on factors such as the customer’s credit rating, payment performance, financial condition and requests 
for modifications of lease terms and conditions.  Events or circumstances outside of historical customer patterns can also 
result in changes to a customer’s accrual status.

Maintenance Payments and Maintenance Revenue

Under our leases, the lessee must pay operating expenses accrued or payable during the term of the lease, which would 
normally include maintenance, overhaul, fuel, crew, landing, airport and navigation charges; certain taxes, licenses, consents 
and approvals; aircraft registration; and insurance premiums.  Typically, our aircraft are subject to net operating leases 
whereby  the  lessee  pays  lease  rentals  and  is  generally  responsible  for  maintaining  the  aircraft  and  paying  operational, 
maintenance and insurance costs, although in a majority of cases, we are obligated to pay a portion of specified maintenance 
or modification costs.  Our aircraft lease agreements generally provide for the periodic payment of a fixed amount of rent 
over the life of the lease, and the amount of the contracted rent will depend upon the type, age, specification and condition 
of the aircraft and market conditions at the time the lease is committed.  The amount of rent we receive will depend on a 
number of factors, including the credit-worthiness of our lessees and the occurrence of delinquencies, restructurings and 
defaults.  Our lease rental revenues are also affected by the extent to which aircraft are off-lease and our ability to remarket 
aircraft that are nearing the end of their leases in order to minimize their off-lease time.  Our success in re-leasing aircraft 
is affected by market conditions relating to our aircraft and by general industry conditions and trends.  An increase in the 
percentage of off-lease aircraft or a reduction in lease rates upon remarketing would negatively impact our revenues.

Under an operating lease, the lessee will be responsible for performing maintenance on the relevant aircraft and will 
typically  be  required  to  make  payments  to  us  for  heavy  maintenance,  overhaul  or  replacement  of  certain  high-value 
components of the aircraft.  These maintenance payments are based on hours or cycles of utilization or on calendar time, 
depending upon the component, and would be made either monthly in arrears or at the end of the lease term.  For maintenance 
payments made monthly in arrears during a lease term, we will typically be required to reimburse all or a portion of these 
payments to the lessee upon completion of the relevant heavy maintenance, overhaul or parts replacement.  We record 
maintenance payments paid by the lessee during a lease as accrued maintenance liabilities in recognition of our obligation 
in the lease to refund such payments, and therefore we do not recognize maintenance revenue during the lease.  Maintenance 
revenue recognition would occur at the end of a lease, when we are able to determine the amount, if any, by which reserve 
payments received exceed the amount we are required under the lease to reimburse to the lessee for heavy maintenance, 
overhaul or parts replacement.  If a lease requires end of lease term maintenance payments, typically the lessee would be 
required to pay us for its utilization of the aircraft during the lease; however, in some cases, we may owe a net payment to 
the lessee in the event heavy maintenance is performed and paid for by the lessee during the lease term and the aircraft is 
returned to us in better condition that at lease inception.  End of lease term maintenance payments made to us are recognized 
as maintenance revenue, and end of lease term maintenance payments we make to a lessee are recorded as contra maintenance 
revenue.

The amount of maintenance revenue or contra maintenance revenue we recognize in any reporting period is inherently 
volatile  and  is  dependent  upon  a  number  of  factors,  including  the  timing  of  lease  expiries,  including  scheduled  and 
unscheduled expiries, the timing of maintenance events and the utilization of the aircraft by the lessee.

Lease Incentives and Amortization

Many of our leases contain provisions which may require us to pay a portion of the lessee’s costs for heavy maintenance, 
overhaul or replacement of certain high-value components.  We account for these expected payments as lease incentives, 
which are amortized as a reduction of revenue over the life of the lease.  We estimate the amount of our portion for such 
costs, typically for the first major maintenance event for the airframe, engines, landing gear and auxiliary power units, 
expected to be paid to the lessee based on assumed utilization of the related aircraft by the lessee, the anticipated cost of the 
maintenance event and the estimated amounts the lessee is responsible to pay.

52

This estimated lease incentive is not recognized as a lease incentive liability at the inception of the lease.  We recognize 
the lease incentive as a reduction of lease revenue on a straight-line basis over the life of the lease, with the offset being 
recorded as a lease incentive liability, which is included in maintenance payments on the balance sheet.  The payment to the 
lessee for the lease incentive liability is first recorded against the lease incentive liability, and any excess above the lease 
incentive liability is recorded as a prepaid lease incentive asset, which is included in other assets on the balance sheet and 
continues to amortize over the remaining life of the lease.

Flight Equipment Held for Lease and Depreciation

Flight equipment held for lease is stated at cost and depreciated using the straight-line method, typically over a 25-
year life from the date of manufacture for passenger aircraft and over a 30 to 35-year life for freighter aircraft, depending 
on whether the aircraft is a converted or purpose-built freighter, to estimated residual values.  Estimated residual values are 
generally determined to be approximately 15% of the manufacturer’s estimated realized price for passenger aircraft when 
new and 5% to 10% for freighter aircraft when new.  Management may make exceptions to this policy on a case-by-case 
basis when, in its judgment, the residual value calculated pursuant to this policy does not appear to reflect current expectations 
of value.  Examples of situations where exceptions may arise include but are not limited to:

• 

• 
• 

flight  equipment  where  estimates  of  the  manufacturers’  realized  sales  prices  are  not  relevant  (e.g.,  freighter 
conversions);
flight equipment where estimates of the manufacturers’ realized sales prices are not readily available; and
flight equipment which may have a shorter useful life due to obsolescence.

In accounting for flight equipment held for lease, we make estimates about the expected useful lives, the fair value of 
attached leases, acquired maintenance assets or liabilities and the estimated residual values.  In making these estimates, we 
rely upon actual industry experience with the same or similar aircraft types and our anticipated utilization of the aircraft.  
As part of our due diligence review of each aircraft we purchase, we prepare an estimate of the expected maintenance 
payments and any excess costs which may become payable by us, taking into consideration the then-current maintenance 
status of the aircraft and the relevant provisions of any existing lease.

For planned major maintenance activities for aircraft off-lease, the Company capitalizes the actual maintenance costs 
by applying the deferral method. Under the deferral method, we capitalize the actual cost of major maintenance events, 
which are depreciated on a straight-line basis over the period until the next maintenance event is required.

For purchase and lease back transactions, we account for the transaction as a single arrangement.  We allocate the 
consideration paid based on the fair value of the aircraft and lease.  The fair value of the lease may include a maintenance 
premium and a lease premium or discount.

When we acquire an aircraft with a lease, determining the fair value of the attached lease requires us to make assumptions 
regarding the current fair values of leases for specific aircraft.  We estimate a range of current lease rates of like aircraft in 
order to determine if the attached lease is within a fair value range.  If a lease is below or above the range of current lease 
rates, we present value the estimated amount below or above fair value range over the remaining term of the lease.  The 
resulting lease discount or premium is amortized into lease rental income over the remaining term of the lease.

Impairment of Flight Equipment

We perform a recoverability assessment of all aircraft in our fleet, on an aircraft-by-aircraft basis, at least annually.  
In addition, a recoverability assessment is performed whenever events or changes in circumstances, or indicators, indicate 
that the carrying amount or net book value of an asset may not be recoverable.  Indicators may include, but are not limited 
to,  a  significant  lease  restructuring  or  early  lease  termination,  significant  air  traffic  decline,  the  introduction  of  newer 
technology aircraft or engines, an aircraft type is no longer in production or a significant airworthiness directive is issued.  
When  we  perform  a  recoverability  assessment,  we  measure  whether  the  estimated  future  undiscounted  net  cash  flows 
expected to be generated by the aircraft exceed its net book value.  The undiscounted cash flows consist of cash flows from 
currently contracted leases, future projected lease rates, transition costs, estimated down time and estimated residual or scrap 
values for an aircraft.  In the event that an aircraft does not meet the recoverability test, the aircraft will be adjusted to fair 
value, resulting in an impairment charge.

Management develops the assumptions used in the recoverability analysis based on current and future expectations 
of the global demand for a particular aircraft type and historical experience in the aircraft leasing market and aviation industry, 

53

as well as information received from third party industry sources.  The factors considered in estimating the undiscounted 
cash flows are impacted by changes in future periods due to changes in contracted lease rates, residual values, economic 
conditions,  technology,  airline  demand  for  a  particular  aircraft  type  and  other  risk  factors  discussed  in  Item 1A.  “Risk 
Factors.”  See further discussion of our aircraft more susceptible to failing our recoverability assessment under “Summary 
of Recoverability Assessment and Other Impairments” above and “Fair Value Measurements” below.

Net Investment in Finance and Sales-Type Leases

If a lease meets specific criteria at the inception or at any lease modification date, we recognize the lease as a Net 
investment in finance and sales-type leases on our Consolidated Balance Sheets.  For sales-type leases, we recognize the 
difference between the net book value of the aircraft and the Net investment in finance and sales-type leases as a gain or 
loss on sale of fight equipment, less any initial direct costs and lease incentives.  The Net investment in finance and sales-
type leases consists of lease receivables, less the unearned income, plus the estimated unguaranteed residual value of the 
leased flight equipment at the lease end date.  The unearned income is recognized as Finance and sales-type lease revenue 
in our Consolidated Statements of Income over the lease term in a manner that produces a constant rate of return on the Net 
investment in finance and sales-type leases.

Collectability of finance and sales-type leases is evaluated periodically on an individual customer level.  The evaluation 
of the collectability of the finance and sales-type leases considers the credit of the lessee and the value of the underlying 
aircraft.  An allowance for credit losses is established if there is evidence that we will be unable to collect all amounts due 
according to the original contractual terms of the Net investment in finance and sales-type leases.  At December 31, 2016, 
we had no allowance for credit losses for our Net investment in finance and sales-type leases.  When collectability is not 
reasonably assured, the customer is placed on non-accrual status, and revenue is recognized when cash payments are received.

Fair Value Measurements

We measure the fair value of certain assets and liabilities on a non-recurring basis, when U.S. GAAP requires the 
application of fair value, including events or changes in circumstances that indicate that the carrying amounts of assets may 
not be recoverable.  Assets subject to these measurements include aircraft.  We record aircraft at fair value when we determine 
the carrying value may not be recoverable.  Fair value measurements for aircraft impaired are based on an income approach 
that uses Level 3 inputs, which include our assumptions and appraisal data as to future cash proceeds from leasing and 
selling aircraft.

Income Taxes

Aircastle uses an asset and liability based approach in accounting for income taxes.  Deferred income tax assets and 
liabilities are recognized for the future tax consequences attributed to differences between the financial statement and tax 
basis of existing assets and liabilities using enacted rates applicable to the periods in which the differences are expected to 
affect taxable income.  A valuation allowance is established, when necessary, to reduce deferred tax assets to the amount 
estimated by us to be realizable.  The Company recognizes the tax benefit from an uncertain tax position only if it is more 
likely  than  not  that  the  tax  position  will  be  sustained  on  examination  by  the  taxing  authorities.   We  did  not  have  any 
unrecognized tax benefits.

RECENTLY ADOPTED ACCOUNTING PRONOUNCEMENTS

See Note 1 - Summary of Significant Accounting Policies - Organization and Basis of Presentation in the Notes to 

Consolidated Financial Statements below.

RECENTLY PROPOSED ACCOUNTING PRONOUNCEMENTS

See Note 1 - Summary of Significant Accounting Policies - Proposed Accounting Pronouncements in the Notes to 

Consolidated Financial Statements below.

54

LIQUIDITY AND CAPITAL RESOURCES

Our business is very capital intensive, requiring significant investments in order to expand our fleet and to maintain 
and improve our existing portfolio.  Our operations generate a significant amount of cash, primarily from lease rentals and 
maintenance collections.  We have also met our liquidity and capital resource needs by utilizing several sources over time, 
including:

• 

• 
• 
• 

various forms of borrowing secured by our aircraft, including bank term facilities, limited recourse securitization 
financings, and ECA-backed financings for new aircraft acquisitions;
unsecured indebtedness, including our current unsecured revolving credit facilities, term loan and senior notes;
sales of common shares; and
asset sales.

Going forward, we expect to continue to seek liquidity from these sources and other sources, subject to pricing and 

conditions we consider satisfactory. 

During 2016, we met our liquidity and capital resource needs with $468.1 million of cash flow from operations, $500.0 
million in gross proceeds from the issuance of our Senior Notes due 2023, a $120.0 million term loan, $434.3 million in 
full-recourse term financing and $755.9 million of cash from aircraft sales.

In addition, we increased our existing revolving credit facility from $600.0 million to $675.0 million, and we extended 
the maturity of that facility by one year to May 2020.  We also entered into a new $135.0 million revolving credit facility, 
maturing in November 2019, with a group of banks based in Asia.

As of December 31, 2016, the weighted average maturity of our secured and unsecured debt financings was 3.7 years 
and we are in compliance with all applicable covenants in our financings.  We have also determined as of December 31, 
2016 that our consolidated subsidiaries’ restricted net assets, as defined by Rule 4-08(e)(3) of Regulation S-X, are less than 
25% of our consolidated net assets.

We believe that cash on hand, payments received from lessees and other funds generated from operations, secured 
borrowings for aircraft, borrowings under our revolving credit facilities and other borrowings and proceeds from future 
aircraft sales will be sufficient to satisfy our liquidity and capital resource needs over the next twelve months.  Our liquidity 
and capital resource needs include payments due under our aircraft purchase obligations, required principal and interest 
payments under our long-term debt facilities, expected capital expenditures, lessee maintenance payment reimbursements 
and lease incentive payments over the next twelve months.

Cash Flows

Net cash flow provided by operating activities

Net cash flow used in investing activities

Net cash flow provided by (used in) financing activities

Operating Activities:

Year Ended December 31,

2016

2015

2014

(Dollars in thousands)

$

468,092

$

526,285

$

458,786

(646,155)

(864,662)

477,738

324,625

(861,602)

(82,141)

Cash flow provided by operations was $468.1 million and $526.3 million for the years ended December 31, 2016 and 
2015, respectively.  The decrease in cash flow provided by operations of $58.2 million for the year ended December 31, 
2016 versus the same period in 2015 was primarily a result of:

•  a $29.7 million increase in cash paid for interest
•  a $21.5 million decrease in cash from maintenance revenue;
•  a $10.7 million decrease in cash from lease rentals, net of finance and sales-type leases; and
•  a $4.0 million increase in cash paid for taxes.

55

 
These outflows were offset partially by decreases of $3.2 million in cash used for working capital and $3.7 million in 

cash paid for maintenance.

Cash flow provided by operations was $526.3 million and $458.8 million for the years ended December 31, 2015 and 
2014, respectively.  The increase in cash flow provided by operations of $67.5 million for the year ended December 31, 
2015 versus the same period in 2014 was primarily a result of:

•  a $39.3 million increase in cash from maintenance revenue;
•  a $24.1 million increase in cash from lease rentals, net of finance and sales-type leases;
•  a $6.4 million decrease in cash paid for interest; and
•  a $7.1 million increase in cash from working capital.

These inflows were offset partially by a $7.6 million increase in cash paid for taxes. 

Investing Activities:

Cash flow used in investing activities was $646.2 million and $864.7 million for the years ended December 31, 2016 
and 2015, respectively.  The net decrease in cash flow used in investing activities of $218.5 million for the year ended 
December 31, 2016 versus the same period in 2015 was primarily a result of:

•  a $193.4 million increase in proceeds from the sale of flight equipment;
•  a $22.6 million decrease in net investments in finance and sales-type leases; and
•  a $34.0 million increase in restricted cash and cash equivalents related to the sale of flight equipment.

These outflows were offset by: 

•  an $18.0 million increase in unconsolidated equity method investment in 2016;
•  a $10.4 million increase in the acquisition and improvement of flight equipment; and
•  a $2.8 million net increase in aircraft purchase deposits paid.

Cash flow used in investing activities was $864.7 million and $861.6 million for the years ended December 31, 2015 
and 2014, respectively.  The increase in cash flow used in investing activities of $3.1 million for the year ended December 
31, 2015 versus the same period in 2014 was primarily a result of:

•  a $270.4 million decrease in proceeds from the sale of flight equipment;
•  a $78.1 million increase in net investments in finance and sales-type leases; and
•  a $6.8 million increase in aircraft purchase deposits and progress payments, net of returned deposits and aircraft 

sales deposits.

These  outflows  were  offset  partially  by  a  $351.8  million  decrease  in  the  acquisition  and  improvement  of  flight 

equipment.

Financing Activities:

Cash flow provided by financing activities was $477.7 million and $324.6 million for the years ended December 31, 
2016 and 2015, respectively.  The net increase in cash flow provided by financing activities of $153.1 million for the year 
ended December 31, 2016 versus the same period in 2015 was primarily a result of:

•  a $92.6 million decrease in securitization and term debt financing repayments; 
•  a $79.3 million increase in proceeds from secured and unsecured financings; and
•  a $10.2 million increase in restricted cash and cash equivalents related to financing activities.

These inflows were offset partially by:

•  a $16.5 million increase in shares repurchased;
•  a $7.0 million increase in deferred financing costs; and
•  a $4.2 million increase in dividends paid.

56

Cash flow provided by financing activities was $324.6 million for the year ended December 31, 2015 as compared to 
cash flow used in financing activities of $82.1 million for the year ended December 31, 2014.  The net increase in cash flow 
provided by financing activities of $406.8 million for the year ended December 31, 2015 versus the same period in 2014 
was primarily a result of:

•  a $335.9 million decrease in debt repayments primarily due to the repayment of Securitization No. 1 in February 
2014 and repayment of our 9.75% Senior Notes due 2018 in April 2014, inclusive of debt extinguishment costs;

•  a $93.1 million decrease in maintenance and security deposits returned, net of deposits received; and
•  a $33.4 million decrease in payments for terminated cash flow hedges in 2014.

These inflows were offset partially by:

•  a $28.2 million decrease in proceeds from notes and debt financings;
•  an $18.8 million increase in issuances of common shares, net of repurchased shares; and
•  a $6.5 million increase in dividends.

Debt Obligations

For complete information on our debt obligations, please refer to Note 7 - “Borrowings from Secured and Unsecured 

Debt” Financings in the Notes to Consolidated Financial Statements below.

Contractual Obligations

Our contractual obligations consist of principal and interest payments on variable and fixed rate liabilities, interest 
payments on interest rate derivatives, aircraft acquisition and rent payments pursuant to our office leases.  Total contractual 
obligations increased to approximately $6.50 billion at December 31, 2016 from $6.30 billion at December 31, 2015 due 
primarily to an increase in borrowings, partially offset by a decrease in purchase obligations for aircraft to be acquired.

The following table presents our actual contractual obligations and their payment due dates as of December 31, 2016. 

Contractual Obligations

Principal payments:

Senior Notes due 2017-2023

DBJ Term Loan

Revolving Credit Facilities

ECA Financings

Bank Financings

Payments Due by Period as of December 31, 2016

Total

1 year 
or less

2-3 years

4-5 years

More than
5 years

(Dollars in thousands)

$ 3,200,000

$

500,000

$ 900,000

$

800,000

$ 1,000,000

120,000

—

305,276

936,192

—

—

120,000

—

—

—

—

—

42,580

89,755

96,254

76,687

140,946

185,596

172,882

436,768

Total principal payments

4,561,468

683,526

1,295,351

1,069,136

1,513,455

Interest payments on debt obligations(1)
Office leases(2)
Purchase obligations(3)

Total

 _____________

852,798

214,470

356,986

200,016

81,326

3,408

1,205

843

418

1,081,228

170,252

551,935

359,041

942

—

$ 6,498,902

$ 1,069,453

$ 2,205,115

$ 1,628,611

$ 1,595,723

(1)  Future interest payments on variable rate, LIBOR-based debt obligations are estimated using the interest rate in effect at December 31, 2016.

(2)  Represents contractual payment obligations for our office leases in Stamford, Connecticut; Dublin, Ireland and Singapore.

(3)  At December 31, 2016, we had commitments to acquire 28 aircraft for $1.08 billion, including 25 new E-Jet E-2 aircraft from Embraer, with delivery 
beginning in 2018.  In January 2017, we amended our contract with Embraer to reschedule some of the aircraft delivery dates.  These amounts include 
estimated amounts for pre-delivery deposits, contractual price escalations and other adjustments.  As of February 7, 2017, we have commitments to acquire 
28 aircraft for $1.08 billion.

57

 
 
Capital Expenditures

From time to time, we make capital expenditures to maintain or improve our aircraft.  These expenditures include the 
cost of major overhauls necessary to place an aircraft in service and modifications made at the request of lessees.  For the 
years ended December 31, 2016, 2015 and 2014, we incurred a total of $31.5 million, $36.5 million and $14.0 million, 
respectively, of capital expenditures (including lease incentives) related to the acquisition and improvement of aircraft.

As of December 31, 2016, the weighted average age (by net book value) of our aircraft was approximately 7.9 years. 
In general, the costs of operating an aircraft, including maintenance expenditures, increase with the age of the aircraft.  Our 
lease  agreements  call  for  the  lessee  to  be  primarily  responsible  for  maintaining  the  aircraft.   We  may  incur  additional 
maintenance and modification costs in the future in the event we are required to remarket an aircraft or a lessee fails to meet 
its maintenance obligations under the lease agreement. These maintenance reserves are paid by the lessee to provide for 
future maintenance events.  Provided a lessee performs scheduled maintenance of the aircraft, we are required to reimburse 
the lessee for scheduled maintenance payments.  In certain cases, we are also required to make lessor contributions, in excess 
of amounts a lessee may have paid, towards the costs of maintenance events performed by or on behalf of the lessee.

Actual maintenance payments to us by lessees in the future may be less than projected as a result of a number of 
factors, including defaults by the lessees.  Maintenance reserves may not cover the entire amount of actual maintenance 
expenses incurred and, where these expenses are not otherwise covered by the lessees, there can be no assurance that our 
operational cash flow and maintenance reserves will be sufficient to fund maintenance requirements, particularly as our 
aircraft age.  See Item 1A. “Risk Factors — Risks Related to Our Business — Risks related to our leases — If lessees are 
unable to fund their maintenance obligations on our aircraft, we may incur increased costs at the conclusion of the applicable 
lease.”

Off-Balance Sheet Arrangements

We entered into two joint venture arrangements in order to help expand our base of new business opportunities.  Neither 
of these joint ventures qualifies for consolidated accounting treatment.  The assets and liabilities of these entities are not 
included in our Consolidated Balance Sheets and we record our net investment under the equity method of accounting.  See 
Note 5 - “Unconsolidated Equity Method Investment” in the Notes to Unaudited Consolidated Financial Statements below.

We hold a 30% equity interest in our Lancaster joint venture and a 25% equity interest in our joint venture with IBJ 
Air.  At December 31, 2016, the net book value of our two joint ventures’ thirteen aircraft was approximately $689 million.

Foreign Currency Risk and Foreign Operations

At December 31, 2016 all of our leases are payable to us in U.S. dollars.  However, we incur Euro- and Singapore 
dollar-denominated expenses in connection with our subsidiaries in Ireland and Singapore.  For the year ended December 
31,  2016,  expenses,  such  as  payroll  and  office  costs,  denominated  in  currencies  other  than  the  U.S.  dollar  aggregated 
approximately $15.8 million in U.S. dollar equivalents and represented approximately 26% of total selling, general and 
administrative expenses.  Our international operations are a significant component of our business strategy and permit us 
to more effectively source new aircraft, service the aircraft we own and maintain contact with our lessees.  Therefore, it is 
likely that our international operations and our exposure to foreign currency risk will increase over time.  Although we have 
not yet entered into foreign currency hedges because our exposure to date has not been significant, if our foreign currency 
exposure increases we may enter into hedging transactions in the future to mitigate this risk.  For the years ended December 31, 
2016, 2015 and 2014, we incurred insignificant net gains and losses on foreign currency transactions.

Hedging

For complete information on our derivative instruments, please refer to Note 14 "Other Assets"and Note 16 - “Accumulated 

Other Comprehensive Loss” in the Notes to Consolidated Financial Statements below.

58

Inflation

Inflation affects our lease rentals, asset values and costs, including selling, general and administrative expenses and 
other expenses.  We do not believe that our financial results have been, or will be, adversely affected by inflation in a material 
way.

Management’s Use of EBITDA and Adjusted EBITDA

We define EBITDA as income from continuing operations before income taxes, interest expense, and depreciation 
and amortization.  We use EBITDA to assess our consolidated financial and operating performance, and we believe this 
non-U.S. GAAP measure is helpful in identifying trends in our performance.

This measure provides an assessment of controllable expenses and affords management the ability to make decisions 
which are expected to facilitate meeting current financial goals, as well as achieving optimal financial performance.  It 
provides an indicator for management to determine if adjustments to current spending decisions are needed.

EBITDA  provides  us  with  a  measure  of  operating  performance  because  it  assists  us  in  comparing  our  operating 
performance  on  a  consistent  basis  as  it  removes  the  impact  of  our  capital  structure  (primarily  interest  charges  on  our 
outstanding debt) and asset base (primarily depreciation and amortization) from our operating results.  Accordingly, this 
metric measures our financial performance based on operational factors that management can impact in the short-term, 
namely the cost structure, or expenses, of the organization.  EBITDA is one of the metrics used by senior management and 
the Board of Directors to review the consolidated financial performance of our business.

We define Adjusted EBITDA as EBITDA (as defined above) further adjusted to give effect to adjustments required in 
calculating covenant ratios and compliance as that term is defined in the indenture governing our senior unsecured notes.  
Adjusted EBITDA is a material component of these covenants.

The table below shows the reconciliation of net income to EBITDA for the years ended December 31, 2016, 2015 and 

2014, respectively. 

Net income

Depreciation

Amortization of net lease discounts and lease incentives

Interest, net

Income tax provision

     EBITDA

Adjustments:

Impairment of aircraft

Loss on extinguishment of debt

Non-cash share-based payment expense

Gain on mark-to-market of interest rate derivative contracts

     Adjusted EBITDA

Management’s Use of Adjusted Net Income (“ANI”)

Year Ended December 31,

2016

2015

2014

(Dollars in thousands)

$ 151,453

$ 121,729

$ 100,828

305,216

318,783

299,365

10,353

10,664

6,172

255,660

243,577

238,378

12,307

12,771

13,863

$ 734,989

$ 707,524

$ 658,606

28,585

119,835

—

7,901

(3,522)

—

5,537

(791)

93,993

36,570

4,244

(1,130)

$ 767,953

$ 832,105

$ 792,283

Management believes that ANI, when viewed in conjunction with the Company’s results under U.S. GAAP and the 
below  reconciliation,  provides  useful  information  about  operating  and  period-over-period  performance,  and  provides 
additional information that is useful for evaluating the underlying operating performance of our business without regard to 

59

 
 
 
periodic reporting elements related to interest rate derivative accounting, changes related to refinancing activity and non-
cash share-based payment expense.

The table below shows the reconciliation of net income to ANI for the years ended December 31, 2016, 2015 and 

2014, respectively.

Net income

Loss on extinguishment of debt(2)
Ineffective portion and termination of cash flow hedges(1)
Gain on mark-to-market of interest rate derivative contracts(2)
Loan termination fee(1)
Write-off of deferred financing fees(1)
Non-cash share-based payment expense(3)

    Term Financing No. 1 hedge loss amortization charges(1)
    Securitization No. 1 hedge loss amortization charges(1)

Adjusted net income

 ______________
(1) 

Included in Interest, net.

(2) 

(3) 

Included in Other income (expense).

Included in Selling, general and administrative expenses.

Weighted-average shares:

Common shares outstanding

Restricted common shares

Total weighted-average shares

Percentage of weighted-average shares:

Common shares outstanding
Restricted common shares(1)

Total

Weighted-average common shares outstanding — Basic
Effect of dilutive shares(2)

Weighted-average common shares outstanding — Diluted

Adjusted net income allocation:

Adjusted net income
Less: Distributed and undistributed earnings allocated to restricted common shares(1)

Adjusted net income allocable to common shares — Basic and Diluted

Adjusted net income per common share — Basic

Adjusted net income per common share — Diluted

 ____________

60

Year Ended December 31,

2016

2015

2014

(Dollars in thousands)

$

151,453

$

121,729

$

100,828

—

—

(3,522)

4,960

2,880

7,901

—

4,855

—

455

(791)

—

—

5,537

4,401

10,940

36,570

660

(1,130)

—

—

4,244

14,854

11,616

$

168,527

$

142,271

$

167,642

Year Ended December 31,

2016

2015

2014

78,161,494

80,489,391

80,389,349

653,944

615,611

588,077

78,815,438

81,105,002

80,977,426

Year Ended December 31,

2016

2015

2014

99.17%

0.83%

99.24%

0.76%

99.27%

0.73%

100.00%

100.00%

100.00%

Year Ended December 31,

2016

2015

2014

78,161,494

80,489,391

80,389,349

42,785

—

—

78,204,279

80,489,391

80,389,349  

Year Ended December 31,

2016

2015

2014

(Dollars in thousands, except per share amounts)

$

$

$

$

168,527

(1,398)

167,129

2.14

2.14

$

$

$

$

142,271

(1,080)

141,191

1.75

1.75

$

$

$

$

167,642

(1,217)

166,425

2.07

2.07

 
 
 
 
 
 
 
 
 
(1)  For the years ended December 31, 2016, 2015 and 2014, distributed and undistributed earnings to restricted shares is 0.83%, 0.76% and 0.73%, respectively, 

of net income. The amount of restricted share forfeitures for all periods presented is immaterial to the allocation of distributed and undistributed earnings.

(2)  For the year ended December 31, 2016, dilutive shares represented contingently issuable shares related to the Company’s Performance Share Units, or 

"PSUs."  For the years ended December 31, 2015 and 2014, we had no dilutive shares.

Limitations of EBITDA, Adjusted EBITDA and ANI

An investor or potential investor may find EBITDA, Adjusted EBITDA and ANI important measures in evaluating 
our performance, results of operations and financial position.  We use these non-U.S. GAAP measures to supplement our 
U.S. GAAP results in order to provide a more complete understanding of the factors and trends affecting our business.

EBITDA, Adjusted EBITDA and ANI have limitations as analytical tools and should not be viewed in isolation or as 
substitutes for U.S. GAAP measures of earnings (loss).  Material limitations in making the adjustments to our earnings (loss) 
to calculate EBITDA, Adjusted EBITDA and ANI, and using these non-U.S. GAAP measures as compared to U.S. GAAP 
net income (loss), income (loss) from continuing operations and cash flows provided by or used in operations, include:

• 

• 

• 

• 

• 

depreciation and amortization, though not directly affecting our current cash position, represent the wear and tear 
and/or reduction in value of our aircraft, which affects the aircraft’s availability for use and may be indicative of 
future needs for capital expenditures;

the cash portion of income tax (benefit) provision generally represents charges (gains), which may significantly 
affect our financial results;

elements of our interest rate derivative accounting may be used to evaluate the effectiveness of our hedging policy;

hedge loss amortization charges related to Term Financing No. 1 and Securitization No. 1; and

adjustments  required  in  calculating  covenant  ratios  and  compliance  as  that  term  is  defined  in  the  indenture 
governing our senior unsecured notes. 

EBITDA, Adjusted EBITDA and ANI are not alternatives to net income (loss), income (loss) from operations or cash 
flows provided by or used in operations as calculated and presented in accordance with U.S. GAAP.  You should not rely 
on these non-U.S. GAAP measures as a substitute for any such U.S. GAAP financial measure.  We strongly urge you to 
review  the  reconciliations  to  U.S. GAAP  net  income  (loss),  along  with  our  consolidated  financial  statements  included 
elsewhere in this report. We also strongly urge you to not rely on any single financial measure to evaluate our business.  In 
addition, because EBITDA, Adjusted EBITDA and ANI are not measures of financial performance under U.S. GAAP and 
are susceptible to varying calculations, EBITDA, Adjusted EBITDA and ANI as presented in this report, may differ from 
and may not be comparable to similarly titled measures used by other companies.

ITEM 7A.   QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Interest rate risk is the exposure to loss resulting from changes in the level of interest rates and the spread between 
different interest rates.  These risks are highly sensitive to many factors, including U.S. monetary and tax policies, U.S. and 
international economic factors and other factors beyond our control.  We are exposed to changes in the level of interest rates 
and to changes in the relationship or spread between interest rates.  Our primary interest rate exposures relate to our lease 
agreements, floating rate debt obligations and interest rate derivatives.  Rent payments under our aircraft lease agreements 
typically do not vary during the term of the lease according to changes in interest rates.  However, our borrowing agreements 
generally require payments based on a variable interest rate index, such as LIBOR.  Therefore, to the extent our borrowing 
costs are not fixed, increases in interest rates may reduce our net income by increasing the cost of our debt without any 
corresponding increase in rents or cash flow from our securities.

Changes in interest rates may also impact our net book value as our interest rate derivatives are periodically marked-
to-market through shareholders’ equity.  Generally, we are exposed to loss on our fixed pay interest rate derivatives to the 
extent interest rates decrease below their contractual fixed rate.

The relationship between spreads on derivative instruments may vary from time to time, resulting in a net aggregate 
book value increase or decrease.  Changes in the general level of interest rates can also affect our ability to acquire new 
investments and our ability to realize gains from the settlement of such assets.

61

Sensitivity Analysis

The following discussion about the potential effects of changes in interest rates is based on a sensitivity analysis, which 
models the effects of hypothetical interest rate shifts on our financial condition and results of operations.  Although we 
believe a sensitivity analysis provides the most meaningful analysis permitted by the rules and regulations of the SEC, it is 
constrained by several factors, including the necessity to conduct the analysis based on a single point in time and by the 
inability to include the extraordinarily complex market reactions that normally would arise from the market shifts modeled.  
Although the following results of a sensitivity analysis for changes in interest rates may have some limited use as a benchmark, 
they should not be viewed as a forecast.  This forward-looking disclosure also is selective in nature and addresses only the 
potential interest expense impacts on our financial instruments and, in particular, does not address the mark-to-market impact 
on our interest rate derivatives.  It also does not include a variety of other potential factors that could affect our business as 
a result of changes in interest rates.

A hypothetical 100-basis point increase/decrease in our variable interest rates would increase/decrease the minimum 
contracted rentals on our portfolio as of December 31, 2016 by $3.6 million and $3.6 million, respectively, over the next 
twelve months.  As of December 31, 2016, a hypothetical 100-basis point increase/decrease in our variable interest rate on 
our borrowings would result in an interest expense increase/decrease of $6.6 million and $6.0 million, respectively, net of 
amounts received from our interest rate derivatives, over the next twelve months.  In September 2016, we purchased an 
interest rate cap for $2.3 million to hedge approximately 70% of our floating rate interest exposure.  The interest rate cap 
is set at 2% and has a starting notional balance of $430.0 million and reduces over time to $215.0 million.  The cap matures 
in September 2021.

ITEM 8.   FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

Our consolidated financial statements and notes thereto, referred to in Item 15(A)(1) of this Form 10-K, are filed as 

part of this report and appear in this Form 10-K beginning on page F-1.

ITEM 9.  CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND  

FINANCIAL DISCLOSURE

None.

ITEM 9A.   CONTROLS AND PROCEDURES

Management’s Evaluation of Disclosure Controls and Procedures

The term “disclosure controls and procedures” is defined in Rules 13a-15(e) and 15d-15(e) of the Securities Exchange 
Act of 1934 (the “Exchange Act”). This term refers to the controls and procedures of a company that are designed to ensure 
that information required to be disclosed by a company in the reports that it files under the Exchange Act is recorded, 
processed, summarized and reported within the time periods specified by the SEC and that such information is accumulated 
and communicated to the Company’s management, including its Chief Executive Officer (“CEO”) and Chief Financial 
Officer (“CFO”) as appropriate, to allow timely decisions regarding required disclosure.  An evaluation was performed 
under  the  supervision  and  with  the  participation  of  the  Company’s  management,  including  the  CEO  and  CFO,  of  the 
effectiveness of the Company’s disclosure controls and procedures as of December 31, 2016.  Based on that evaluation, the 
Company’s management, including the CEO and CFO, concluded that the Company’s disclosure controls and procedures 
were effective as of December 31, 2016.

Management’s Annual Report on Internal Control over Financial Reporting

The Company’s management is responsible for establishing and maintaining adequate internal control over financial 
reporting, as such term is defined in Exchange Act Rules 13a-15(f) and 15d-15(f).  The 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.

62

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 because the degree of compliance with policies or procedures may deteriorate.

Under the supervision and with the participation of our management, including our CEO and CFO, we conducted an 
assessment of the effectiveness of our internal control over financial reporting as of December 31, 2016.  The assessment 
was based on criteria established in the framework Internal Control — Integrated Framework, issued by the Committee of 
Sponsoring Organizations (“COSO”) of the Treadway Commission (2013 framework) (the COSO criteria).  Based on this 
assessment, management concluded that our internal control over financial reporting was effective as of December 31, 2016.

Ernst  & Young  LLP,  the  independent  registered  public  accounting  firm  that  audited  our  Consolidated  Financial 
Statements included in this Annual Report on Form 10-K, audited the effectiveness of our controls over financial reporting 
as of December 31, 2016.  Ernst & Young LLP has issued its report which is included below.

Changes in Internal Control over Financial Reporting

There were no changes in the Company’s internal control over financial reporting that occurred during the quarter 
ended December 31, 2016 that have materially affected, or are reasonably likely to materially affect, the Company’s internal 
control over financial reporting.

63

Report of Independent Registered Public Accounting Firm

The Board of Directors and Shareholders of
Aircastle Limited

We have audited Aircastle Limited and subsidiaries’ internal control over financial reporting as of December 31, 2016, based 
on criteria established in Internal Control — Integrated Framework issued by the Committee of Sponsoring Organizations   
of the Treadway Commission (2013 framework) (the COSO criteria).  Aircastle Limited 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  included  in  Management’s Annual  Report  on  Internal  Control  over  Financial 
Reporting.  Our responsibility is to express an opinion on 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, assessing the risk that a material weakness exists, testing and 
evaluating the design and operating effectiveness of internal control based on the assessed risk, 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 
dispositions 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 expenditures 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, Aircastle Limited and subsidiaries maintained, in all material respects, effective internal control over financial 
reporting as of December 31, 2016, 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 Aircastle Limited and subsidiaries as of December 31, 2016 and 2015, and the related 
consolidated statements of income, comprehensive income, changes in shareholders’ equity, and cash flows for each of the 
three years in the period ended December 31, 2016 of Aircastle Limited and subsidiaries and our report dated February 14, 
2017 expressed an unqualified opinion thereon.

Stamford, Connecticut
February 14, 2017

/s/ Ernst & Young LLP

64

 
 
 
 
 
 
 
 
ITEM 9B.   OTHER INFORMATION

None.

PART III 

ITEM 10.   DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

The name, age and background of each of our directors nominated for election will be contained under the caption 
“Election  of  Directors”  in  our  Proxy  Statement  for  our  2017 Annual  General  Meeting  of  Shareholders  ("2017  Proxy 
Statement").  The identification of our Audit Committee and our Audit Committee financial experts will be contained in our 
2017 Proxy Statement under the captions “CORPORATE GOVERNANCE — Committees of the Board of Directors — 
The Audit Committee.” Information regarding our Code of Business Ethics and Conduct, any material amendments thereto 
and  any  related  waivers  will  be  contained  in  our  2017  Proxy  Statement  under  the  captions  “CORPORATE 
GOVERNANCE — Code of Business Conduct and Ethics.”  All of the foregoing information is incorporated herein by 
reference.  The Code of Business Conduct and Ethics is posted on Aircastle’s Website at www.aircastle.com under Investors — 
Corporate Governance.  Pursuant to Item 401(b) of Regulation S-K, the requisite information pertaining to our executive 
officers is reported immediately following Item 4 of Part I of this report.

Information on compliance with Section 16(a) of the Exchange Act will be contained in our 2017 Proxy Statement 
under  the  captions  “OWNERSHIP  OF AYR  COMMON  SHARES —  Section 16(a)  Beneficial  Ownership  Reporting 
Compliance” and is incorporated herein by reference.

ITEM 11.   EXECUTIVE COMPENSATION

Information on compensation of our directors and certain named executive officers will be contained in our 2017 Proxy 
Statement  under  the  captions  “Directors’  Compensation”  and  “EXECUTIVE  COMPENSATION,”  respectively,  and  is 
incorporated herein by reference.

ITEM 12.  SECURITY  OWNERSHIP  OF  CERTAIN  BENEFICIAL  OWNERS  AND  MANAGEMENT  AND 

RELATED STOCKHOLDER MATTERS

Information on the number of shares of Aircastle’s common shares beneficially owned by each director, each named 
executive officer and by all directors and executive officers as a group will be contained under the captions “OWNERSHIP 
OF THE COMPANY’S COMMON SHARES — Security Ownership by Management” and information on each beneficial 
owner of more than 5% of Aircastle’s common shares is contained under the captions “OWNERSHIP OF THE COMPANY’S 
COMMON SHARES — Security Ownership of Certain Beneficial Owners” in our 2017 Proxy Statement and is incorporated 
herein by reference.

ITEM 13.   CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE

Information relating to certain transactions between Aircastle and its affiliates and certain other persons will be set 
forth under the caption “CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS” in our 2017 Proxy 
Statement and is incorporated herein by reference.

Information relating to director independence will be set forth under the caption “PROPOSAL NUMBER ONE — 
ELECTION  OF  DIRECTORS —  Director  Independence”  in  our  2017  Proxy  Statement  and  is  incorporated  herein  by 
reference.

ITEM 14.   PRINCIPAL ACCOUNTANT FEES AND SERVICES

Information relating to audit fees, audit-related fees, tax fees and all other fees billed in fiscal 2016 and by Ernst & 
Young LLP, for services rendered to Aircastle is set forth under the caption “INDEPENDENT AUDITOR FEES” in the 

65

2017 Proxy Statement and is incorporated herein by reference. In addition, information relating to the pre-approval policies 
and procedures of the Audit Committee is set forth under the caption “INDEPENDENT AUDITOR FEES — Pre-Approval 
Policies and Procedures” in our 2017 Proxy Statement and is incorporated herein by reference.

ITEM 15.   EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

PART IV

(A) 1.

2.

3.

Consolidated Financial Statements.
The following is a list of the “Consolidated Financial Statements” of Aircastle Limited and its subsidiaries 
included in this Annual Report on Form 10-K, which are filed herewith pursuant to Item 8:
Report of Independent Registered Public Accounting Firm.
Consolidated Balance Sheets as of December 31, 2016 and December 31, 2015.
Consolidated  Statements  of  Income  for  the  years  ended  December 31,  2016,  December 31,  2015  and 
December 31, 2014.
Consolidated Statements of Comprehensive Income for the years ended December 31, 2016, December 31, 
2015 and December 31, 2014.
Consolidated  Statements  of  Cash  Flows  for  the  years  ended  December 31,  2016,  December 31,  2015  and 
December 31, 2014.
Consolidated  Statements  of  Changes  in  Shareholders’  Equity  for  the  years  ended  December 31,  2016, 
December 31, 2015 and December 31, 2014.
Notes to Consolidated Financial Statements.
Financial Statement Schedules.
There are no Financial Statement Schedules filed as part of this Annual Report, since the required information 
is included in the Consolidated Financial Statements, including the notes thereto, or the circumstances requiring 
inclusion of such schedules are not present.
Exhibits.
The exhibits filed herewith are listed on the Exhibit Index filed as part of this report on Form 10-K.

66

(B)    EXHIBIT INDEX

Exhibit No.

Description of Exhibit

3.1

3.2

4.1

4.2

4.3

4.4

4.5

4.6

4.7

4.8

4.9

4.10

10.1

10.2

10.3

10.4

   Memorandum  of  Association  (incorporated  by  reference  to  Exhibit  3.1  to  the  Company’s  Registration 

Statement on Form S-1 (Amendment No. 2) (No. 333-134669) filed on July 25, 2006).

   Amended Bye-laws (incorporated by reference to Exhibit 3.2 to the Company’s Registration Statement on 

Form S-3 (No. 333-182242) filed on June 20, 2012).

   Specimen Share Certificate (incorporated by reference to Exhibit 4.1 to the Company’s Registration Statement 

on Form S-1 (Amendment No. 2) (No. 333-134669) filed on July 25, 2006).

Indenture,  dated  as  of April 4,  2012,  by  and  between Aircastle Limited  and Wells Fargo  Bank,  National 
Association as trustee (incorporated by reference to Exhibit 4.1 to the Company’s Current Report on Form 
8-K filed on April 5, 2012).

Indenture, dated as of November 30, 2012, by and between Aircastle Limited and Wells Fargo Bank, National 
Association, as trustee (incorporated by reference to Exhibit 4.1 to the Company’s Current Report on Form 
8-K filed on November 30, 2012).

Amended and Restated Shareholder Agreement, dated as of February 18, 2015, by and between Aircastle 
Limited and Marubeni Corporation (incorporated by reference to Exhibit 4.8 to the Company’s Quarterly 
Report on Form 10-Q filed on May 6, 2015).

Amendment Agreement No. 1 to the Amended and Restated Shareholder Agreement, dated as of
September 23, 2016, by and between Aircastle Limited and Marubeni Corporation (incorporated by
reference to Exhibit 4.1 to the Company’s Current Report on Form 8-K filed on September 26, 2016).

Indenture, dated as of December 5, 2013, by and between Aircastle Limited and Wells Fargo Bank, National 
Association, as trustee Citigroup Global Markets, Inc., Goldman, Sachs & Co., J.P. Morgan Securities LLC 
and RBC Capital Markets, LLC (incorporated by reference to Exhibit 4.1 to the Company’s Current Report 
on Form 8-K filed on December 6, 2013).

First Supplemental Indenture, dated as of December 5, 2013, by and between Aircastle Limited and Wells 
Fargo Bank, National Association, as trustee (incorporated by reference to Exhibit 4.2 to the Company’s 
Current Report on Form 8-K filed on December 6, 2013).

Second Supplemental Indenture, dated as of March 26, 2014, by and between Aircastle Limited and Wells 
Fargo Bank, National Association, as trustee (incorporated by reference to Exhibit 4.1 to the Company’s 
Current Report on Form 8-K filed on March 26, 2014).

Third Supplemental Indenture, dated as of January 15, 2015, by and between Aircastle Limited and Wells 
Fargo Bank, National Association, as trustee (incorporated by reference to Exhibit 4.1 to the Company’s 
Current Report on Form 8-K filed on January 15, 2015).

Fourth Supplemental Indenture, dated as of March 24, 2016, by and between Aircastle Limited and Wells
Fargo Bank, National Association, as trustee (incorporated by reference to Exhibit 4.1 to the Company’s
Current Report on Form 8-K filed on March 24, 2016).

Form of Restricted Share Purchase Agreement (incorporated by reference to Exhibit 10.2 to the Company’s 
Registration Statement on Form S-1 (No. 333-134669) filed on June 2, 2006). #

Form of Amended Restricted Share Grant Letter under the Amended and Restated Aircastle Limited 2005 
Equity and Incentive Plan(incorporated by reference to Exhibit 10.4 to the Company’s Annual Report on 
Form 10-K filed on March 5, 2010). #

Form  of Amended  Restricted  Share Agreement  for  Certain  Executive  Officers  under  the Amended  and 
Restated Aircastle Limited 2005 Equity and Incentive Plan (incorporated by reference to Exhibit 10.5 to the 
Company’s Annual Report on Form 10-K filed on March 10, 2011). #

Form of Amended International Employee Restricted Share Unit Agreement under the Amended and Restated 
Aircastle Limited 2005 Equity and Incentive Plan (incorporated by reference to Exhibit 10.6 to the Company’s 
Annual Report on Form 10-K filed on March 5, 2010). #

E - 1

  
  
Exhibit No.

   Description of Exhibit

10.5

10.6

10.7

10.8

10.9

10.10

10.11

10.12

10.13

10.14

10.15

10.16

10.17

10.18

10.19

10.20

Amended and Restated Aircastle Limited 2005 Equity and Incentive Plan (incorporated by reference to Exhibit 
10.28 to the Company’s Registration Statement on Form S-1 (Amendment No. 2) (No. 333-134669) filed on 
July 25 2006). #

Letter Agreement, dated as of February 24, 2006, by and between Aircastle Advisor LLC and Joseph Schreiner 
(incorporated  by  reference  to  Exhibit  10.11 to  the  Company’s Registration  Statement  on  Form  S-1  (No. 
333-134669) filed on June 2, 2006). #

Letter Agreement, dated  as  of  July  13,  2010,  by  and  between Aircastle Advisor LLC  and  Ron Wainshal 
(incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on July 15, 
2010). #

Form  of  Senior  Executive  Employment  Agreement  (incorporated  by  reference  to  Exhibit  10.2  to  the 
Company’s Current Report on Form 8-K filed on December 8, 2010). #

Form  of Amended and  Restated  Indemnification Agreement with  directors  and  officers  (incorporated  by 
reference to Exhibit 10.1 to the Company’s Quarterly Report on Form 10-Q filed on November 8, 2011).

Registration Rights Agreement, dated as of April 4, 2012, by and among Aircastle Limited and Goldman, 
Sachs & Co., Citigroup Global Markets Inc. and J.P. Morgan Securities LLC, as representatives of the several 
Initial Purchasers named therein (incorporated by reference to Exhibit 10.1 to the Company’s Current Report 
on Form 8-K filed on April 5, 2012).

Share Purchase Agreement, dated as of August 7, 2012, by and among Aircastle Limited and the Fortress 
Shareholders named therein (incorporated by reference to Exhibit 1.2 to the Company’s Current Report on 
Form 8-K filed on August 13, 2012).

Registration Rights Letter Agreement dated as of August 10, 2012, by and between Aircastle Limited and 
Ontario Teachers’ Pension Plan Board (incorporated by reference to Exhibit 1.3 of the Company’s Current 
Report on Form 8-K filed on August 13, 2012).

Registration Rights Agreement, dated as of November 30, 2012, by and among Aircastle Limited and J.P. 
Morgan Securities LLC, Citigroup Global Markets Inc., Goldman, Sachs & Co and RBC Capital Markets, 
LLC, as representatives of the several Initial Purchasers named therein (incorporated by reference to Exhibit 
10.1 to the Company’s Current Report on Form 8-K filed on November 30, 2012).

Third Amended and Restated Credit Agreement, dated as of March 28, 2016, by and among Aircastle Limited, 
the several lenders from time to time parties thereto, and Citibank N.A., in its capacity as agent for the lenders 
(incorporated by reference to Exhibit 10.1 to the Company’s Quarterly Report on Form 10-Q filed on May 
4, 2016).

Aircastle Limited 2014 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.1 to the Company’s 
Current Report on Form 8-K filed on May 23, 2014).#

Form  of  Restricted  Share  Agreement  for  Certain  Executive  Officers  Under  the  Aircastle  Limited  2014 
Omnibus Incentive Plan (incorporated by reference to Exhibit 10.1 to the Company’s Quarterly Report on 
Form 10-Q filed on November 4, 2014). #

Form  of  Non-Officer  Director  Restricted  Share Agreement  Under  the Aircastle  Limited  2014  Omnibus 
Incentive Plan (incorporated by reference to Exhibit 10.1 to the Company’s Quarterly Report on Form 10-Q 
filed on November 4, 2014).#

Form of Performance Share Unit Agreement for Certain Executive Officers under the Aircastle Limited
2014 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.2 to the Company’s Quarterly
Report on Form 10-Q filed on May 4, 2016). #

Purchase Agreement COM0270-15, dated as of June 12, 2015, by and between Aircastle Holding Corporation 
and Embraer S.A. (incorporated by reference to Exhibit 10.3 to the Company’s Quarterly Report on Form 
10-Q filed on August 6, 2015).Ø

Amendment No. 1 to Purchase Agreement COM0270-15, dated as of June 22, 2016, by and between Aircastle 
Holding Corporation and Embraer S. A. *Ø

E - 2

  
  
  
Exhibit No.

   Description of Exhibit

10.21

10.22

10.23

10.24

12.1

21.1

23.1

31.1

32.1

99.1

101

Amendment No. 2 to Purchase Agreement COM0270-15, dated as of November 11, 2016, by and between
Aircastle Holding Corporation and Embraer S.A. *Ø

Amendment No. 3 to Purchase Agreement COM0270-15, dated as of January 13, 2017, by and between
Aircastle Holding Corporation and Embraer S.A. *Ø

Amendment No. 1 to Letter Agreement COM0271-15 in Purchase Agreement COM0270-15, dated as of
November 11, 2016, by and between Aircastle Holding Corporation and Embraer S.A. *Ø

Letter Agreement, dated as of October 4, 2016, by and between Aircastle Advisor LLC and Aaron Dahlke
(incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on October
7, 2016). #

   Computation of Ratio of Earnings to Fixed Charges *

   Subsidiaries of the Registrant *

Consent of Ernst & Young LLP *

Certification  by  the  Chief  Executive  Officer and    Chief  Financial  Officer pursuant  to  Section 302  of  the 
Sarbanes Oxley Act of 2002 *

Certification of Chief Executive Officer and Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as 
adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 *

   Owned Aircraft Portfolio at December 31, 2016 *

The following materials from the Company’s Annual Report on Form 10-K for the year ended December
31, 2016, formatted in XBRL (eXtensible Business Reporting Language): (i) Consolidated Balance Sheets
as of December 31, 2016 and December 31, 2015; (ii) Consolidated Statements of Income for the years
ended December 31, 2016, December 31, 2015 and December 31, 2014; (iii) Consolidated Statements of
Comprehensive Income for the years ended December 31, 2016, December 31, 2015 and December 31,
2014; (iv) Consolidated Statements of Cash Flows for the years ended December 31, 2016, December 31,
2015 and December 31, 2014; (v) Consolidated Statements of Changes in Shareholders’ Equity and
Comprehensive Income for the years ended December 31, 2016, December 31, 2015 and December 31,
2014; and (vi) Notes to Consolidated Financial Statements *

_____________

# 
* 
Ø

Management contract or compensatory plan or arrangement.
Filed herewith.
Portions of this exhibit have been omitted pursuant to a request for confidential treatment.

ITEM 16.   FORM 10-K SUMMARY 

None.

E - 3

  
  
  
Index to Financial Statements

Consolidated Financial Statements
Report of Independent Registered Public Accounting Firm
Consolidated Balance Sheets as of December 31, 2016 and 2015
Consolidated Statements of Income for the years ended December 31, 2016, 2015 and 2014

Consolidated Statements of Comprehensive Income for the years ended December 31, 2016, 2015 and 
2014
Consolidated Statements of Cash Flows for the years ended December 31, 2016, 2015 and 2014
Consolidated Statements of Changes in Shareholders’ Equity for the years ended December 31, 2016, 
2015, and 2014
Notes to Consolidated Financial Statements

Page No.

F - 2
F - 3
F - 4

F - 5
F - 6

F - 8
F - 9

F - 1

 
Report of Independent Registered Public Accounting Firm

The Board of Directors and Shareholders of
Aircastle Limited

We have audited the accompanying consolidated balance sheets of Aircastle Limited and subsidiaries as of December 31, 
2016 and 2015, and the related consolidated statements of income, comprehensive income, changes in shareholders’ equity 
and cash flows for each of the three years in the period ended December 31, 2016.  These financial statements are the 
responsibility of the Company’s management.  Our responsibility is to express an opinion on these financial statements 
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 Aircastle Limited and subsidiaries at December 31, 2016 and 2015 and the consolidated results of their operations 
and their cash flows for each of the three years in the period ended December 31, 2016, in conformity with U.S. generally 
accepted accounting principles.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), 
Aircastle Limited and subsidiaries’ internal control over financial reporting as of December 31, 2016, based on criteria 
established  in  Internal  Control —  Integrated  Framework  issued  by  the  Committee  of  Sponsoring  Organizations  of  the 
Treadway Commission (2013 framework) and our report dated February 14, 2017 expressed an unqualified opinion thereon.

Stamford, Connecticut
February 14, 2017

/s/ Ernst & Young LLP

F - 2

 
 
 
 
 
 
 
 
Aircastle Limited and Subsidiaries
Consolidated Balance Sheets
(Dollars in thousands, except share data)

ASSETS
Cash and cash equivalents
Accounts receivable
Restricted cash and cash equivalents
Restricted liquidity facility collateral
Flight equipment held for lease, net of accumulated depreciation of $1,224,899 and
$1,306,024, respectively
Net investment in finance and sales-type leases
Unconsolidated equity method investment
Other assets
Total assets

LIABILITIES AND SHAREHOLDERS’ EQUITY
LIABILITIES

Borrowings from secured financings, net of debt issuance costs
Borrowings from unsecured financings, net of debt issuance costs
Accounts payable, accrued expenses and other liabilities
Lease rentals received in advance
Liquidity facility
Security deposits
Maintenance payments

Total liabilities

Commitments and Contingencies

December 31,

2016

2015

$

$

455,579
6,035
53,238
—

155,904
8,566
98,137
65,000

6,247,585
260,853
72,977
148,398
$ 7,244,665

5,867,062
201,211
50,377
123,707
$ 6,569,964

$ 1,219,034
3,287,211
127,527
62,225
—
122,597
591,757
5,410,351

$ 1,146,238
2,894,918
131,058
67,327
65,000
115,642
370,281
4,790,464

SHAREHOLDERS’ EQUITY
Preference shares, $0.01 par value, 50,000,000 shares authorized, no shares issued and
outstanding
Common shares, $0.01 par value, 250,000,000 shares authorized, 78,593,133 shares issued
and outstanding at December 31, 2016; and 80,232,260 shares issued and outstanding at
December 31, 2015
Additional paid-in capital
Retained earnings
Accumulated other comprehensive loss

Total shareholders’ equity
Total liabilities and shareholders’ equity

—

—

786
1,521,190
315,890
(3,552)
1,834,314
$ 7,244,665

802
1,550,337
241,574
(13,213)
1,779,500
$ 6,569,964

The accompanying notes are an integral part of these consolidated financial statements.

F - 3

 
 
 
Aircastle Limited and Subsidiaries
Consolidated Statements of Income
(Dollars in thousands, except per share amounts)

Revenues:

Lease rental revenue
Finance and sales-type lease revenue
Amortization of net lease discounts and lease incentives
Maintenance revenue
Total lease rentals

Other revenue

Total revenues

Expenses:

Depreciation
Interest, net
Selling, general and administrative (including non-cash share-based
payment expense of $7,901, $5,537 and $4,244, respectively)
Impairment of aircraft
Maintenance and other costs

Total expenses

Other income (expense):

Gain on sale of flight equipment
Loss on extinguishment of debt
Other

Total other income (expense)

Income from continuing operations before income taxes and earnings of
unconsolidated equity method investment
Income tax provision
Earnings of unconsolidated equity method investment, net of tax
Net income

Earnings per common share — Basic:

Net income per share

Earnings per common share — Diluted:

Net income per share

Dividends declared per share

Year Ended December 31,

2016

2015

2014

$

$

725,220
17,190
(10,353)
33,590
765,647
7,311
772,958

$

733,417
7,658
(10,664)
71,049
801,460
17,742
819,202

714,654
10,906
(6,172)
88,006
807,394
11,208
818,602

305,216
255,660

61,872
28,585
7,773
659,106

39,126
—
3,527
42,653

318,783
243,577

56,198
119,835
11,502
749,895

58,017
—
919
58,936

299,365
238,378

55,773
93,993
7,239
694,748

23,146
(36,570)
1,207
(12,217)

156,505
12,307
7,255
151,453

$

128,243
12,771
6,257
121,729

$

111,637
13,863
3,054
100,828

1.92

$

1.50

$

1.25

1.92

0.98

$

$

1.50

0.90

$

$

1.25

0.82

$

$

$

$

The accompanying notes are an integral part of these consolidated financial statements.

F - 4

 
 
 
Aircastle Limited and Subsidiaries
Consolidated Statements of Comprehensive Income
(Dollars in thousands)

Net income
Other comprehensive income, net of tax:

Net change in fair value of derivatives, net of tax expense of $0, $35 and
$828, respectively
Net derivative loss reclassified into earnings

Other comprehensive income
Total comprehensive income

Year Ended December 31,

2016
151,453

$

2015
121,729

$

2014
100,828

$

(1)
9,662
9,661
161,114

$

1,224
24,023
25,247
146,976

$

2,466
34,979
37,445
138,273

$

The accompanying notes are an integral part of these consolidated financial statements.

F - 5

 
 
 
Aircastle Limited and Subsidiaries
Consolidated Statements of Cash Flows
(Dollars in thousands)

Cash flows from operating activities:
Net income

Adjustments to reconcile net income to net cash provided by operating activities:

Depreciation
Amortization of deferred financing costs
Amortization of net lease discounts and lease incentives
Deferred income taxes
Non-cash share-based payment expense
Cash flow hedges reclassified into earnings
Security deposits and maintenance payments included in earnings
Gain on the sale of flight equipment
Loss on extinguishment of debt
Impairment of aircraft
Other
Changes on certain assets and liabilities:

Accounts receivable
Other assets
Accounts payable, accrued expenses and other liabilities
Lease rentals received in advance

Net cash provided by operating activities

Cash flows from investing activities:

Acquisition and improvement of flight equipment
Proceeds from sale of flight equipment
Restricted cash and cash equivalents related to sale of flight equipment
Aircraft purchase deposits and progress payments, net of returned deposits and
aircraft sales deposits
Net investment in finance and sales-type leases
Collections on finance and sales-type leases
Unconsolidated equity method investment and associated costs
Other

Net cash used in investing activities

Cash flows from financing activities:

Repurchase of shares
Proceeds from secured and unsecured debt financings
Repayments of secured and unsecured debt financings
Deferred financing costs
Restricted secured liquidity facility collateral
Liquidity facility
Restricted cash and cash equivalents related to financing activities
Debt extinguishment costs
Security deposits and maintenance payments received
Security deposits and maintenance payments returned
Payments for terminated cash flow hedges
Other
Dividends paid

Net cash provided by (used in) financing activities
Net increase (decrease) in cash and cash equivalents
Cash and cash equivalents at beginning of year

Year Ended December 31,

2016

2015

2014

$

151,453

$

121,729

$

100,828

305,216
18,508
10,353
6,156
7,901
9,662
(23,123)
(39,126)
—
28,585
(6,867)

832
(1,089)
(4,014)
3,645
468,092

318,783
14,878
10,664
(6,889)
5,537
24,023
(35,843)
(58,017)
—
119,835
(896)

(5,406)
(5,033)
7,255
15,665
526,285

299,365
13,961
6,172
2,863
4,244
34,979
(107,031)
(23,146)
36,570
93,993
(878)

(509)
(11,146)
1,345
7,176
458,786

(1,331,059)
755,898
17,000

(1,320,669)
562,518
(17,000)

(1,672,460)
832,961
—

(9,628)
(78,892)
19,413
(18,048)
(839)
(646,155)

(37,337)
1,054,250
(588,778)
(18,890)
65,000
(65,000)
27,899
—
171,672
(51,658)
—
(2,283)
(77,137)
477,738
299,675
155,904

(6,812)
(91,648)
9,559
—
(610)
(864,662)

(20,881)
975,000
(681,393)
(11,881)
—
—
17,747
—
152,391
(33,398)
—
—
(72,960)
324,625
(13,752)
169,656

—
(14,258)
10,312
(18,255)
98
(861,602)

(2,092)
1,003,200
(984,517)
(15,843)
42,000
(42,000)
23,889
(32,835)
178,805
(152,900)
(33,427)
—
(66,421)
(82,141)
(484,957)
654,613

Cash and cash equivalents at end of year

$

455,579

$

155,904

$

169,656

F - 6

 
 
Aircastle Limited and Subsidiaries
Consolidated Statements of Cash Flows (Continued) 
(Dollars in thousands)

Supplemental disclosures of cash flow information:

Cash paid during the year for interest

Cash paid during the year for income taxes
Supplemental disclosures of non-cash investing activities:
Advance lease rentals, security deposits, and maintenance payments settled in sale
of flight equipment
Advance lease rentals, security deposits and maintenance payments assumed in
asset acquisitions

Term debt financings assumed in asset acquisitions
Transfers from Flight equipment held for lease to Net investment in finance and
sales-type leases and Other assets

Year Ended December 31,

2016

2015

2014

$

$

$

$

$

$

224,705

16,693

77,835

202,808

$

$

$

$

195,162

12,716

107,396

13,307

$

$

$

$

— $

— $

201,611

5,144

84,215

56,298

39,061

142,950

$

40,327

$

66,146

The accompanying notes are an integral part of these consolidated financial statements.

F - 7

 
 
Aircastle Limited and Subsidiaries
Consolidated Statements of Changes in Shareholders’ Equity
(Dollars in thousands, except share amounts)

Balance, December 31, 2013

80,806,975

$

808

$ 1,562,106

$

158,398

Common Shares

Shares

Amount

Additional
Paid-In
Capital

Retained
Earnings
(Deficit)

Issuance of common shares to directors and employees

354,547

Repurchase of common shares from directors and
employees

Amortization of share-based payments

Excess tax benefit from stock based compensation

Dividends declared

Net income

Net change in fair value of derivatives, net of $828 tax
expense

Net derivative loss reclassified into earnings

Balance, December 31, 2014

Issuance of common shares to directors and employees

Repurchase of common shares from stockholders, directors
and employees

Amortization of share-based payments

Excess tax benefit from stock based compensation

Dividends declared

Net income

Net change in fair value of derivatives, net of $35 tax
expense

Net derivative loss reclassified into earnings

Accumulated
Other
Comprehensive
Income (Loss)
$

(75,905) $

Total
Shareholders’
Equity

(4)

(2,090)

4,244

924

—

—

—

—

—

—

—

—

(66,421)

100,828

—

—

—

—

—

—

—

—

2,466

34,979

1,645,407

—

(2,092)

4,244

924

(66,421)

100,828

2,466

34,979

(178,273)

—

—

—

—

—

—

80,983,249

306,593

4

(2)

—

—

—

—

—

—

810

3

1,565,180

192,805

(38,460)

1,720,335

(3)

—

—

—

—

(72,960)

121,729

—

—

—

—

—

—

—

—

1,224

24,023

—

(20,881)

5,537

493

(72,960)

121,729

1,224

24,023

(1,057,582)

(11)

(20,870)

—

—

—

—

—

—

—

—

—

—

—

—

5,537

493

—

—

—

—

Balance, December 31, 2015

80,232,260

802

1,550,337

241,574

(13,213)

1,779,500

Issuance of common shares to stockholders, directors and
employees

Repurchase of common shares from stockholders, directors
and employees

Amortization of share-based payments

Excess tax benefit from stock based compensation

Dividends declared

Net income

Net change in fair value of derivatives, net of $0 tax expense

Net derivative loss reclassified into earnings

317,501

3

(3)

(1,956,628)

(19)

(37,318)

—

—

—

—

—

—

—

—

—

—

—

—

7,901

273

—

—

—

—

—

—

—

—

(77,137)

151,453

—

—

—

—

—

—

—

—

(1)

9,662

—

(37,337)

7,901

273

(77,137)

151,453

(1)

9,662

Balance, December 31, 2016

78,593,133

$

786

$ 1,521,190

$

315,890

$

(3,552) $

1,834,314

The accompanying notes are an integral part of these consolidated financial statements.

F - 8

 
 
 
Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

Note 1.  Summary of Significant Accounting Policies

Organization and Basis of Presentation

Aircastle  Limited  (“Aircastle,”  the  “Company,”  “we,”  “us”  or  “our”)  is  a  Bermuda  exempted  company  that  was 
incorporated on October 29, 2004 under the provisions of Section 14 of the Companies Act of 1981 of Bermuda.  Aircastle’s 
business is investing in aviation assets, including acquiring, leasing, managing and selling high-utility commercial jet aircraft. 

Aircastle is a holding company that conducts its business through subsidiaries. Aircastle directly or indirectly owns 
all of the outstanding common shares of its subsidiaries.  The consolidated financial statements presented are prepared in 
accordance with U.S. generally accepted accounting principles (“U.S. GAAP”).   The Company manages, analyzes and 
reports on its business and results of operations on the basis of one operating segment: leasing, financing, selling and managing 
commercial flight equipment.  Our chief executive officer is the chief operating decision maker.

The Company’s management has reviewed and evaluated all events or transactions for potential recognition and/or 
disclosure since the balance sheet date of December 31, 2016 through the date on which the consolidated financial statements 
included in this Form 10-K were issued.

Effective  January  1,  2016,  the  Company  adopted  Financial Accounting  Standards  Board  (“FASB”) Accounting 
Standards Update (“ASU”) No. 2015-02, Consolidation - Amendments to the Consolidation Analysis (Topic 810).  The 
update amended the guidelines for determining whether certain legal entities should be consolidated and reduced the number 
of consolidation models.  This new standard affected reporting entities that are required to evaluate whether they should 
consolidate certain legal entities.  The standard did not have a material impact on our consolidated financial statements and 
related disclosures.

Effective December 31, 2016, the Company adopted FASB ASU No. 2014-15, Presentation of Financial Statements 
- Going Concern (Subtopic 205-40).  The standard requires management of public companies to evaluate whether there is 
substantial doubt about the entity’s ability to continue as a going concern and, if so, disclose that fact.  Management should 
evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the entity’s 
ability to continue as a going concern within one year after the date that the financial statements are issued (or available to 
be issued, when applicable).  The standard did not have a material impact on our consolidated financial statements and related 
disclosures.

Effective January 1, 2017, the Company adopted FASB ASU No. 2016-06, Derivatives and Hedging (Topic 815), 
Contingent Put and Call Options in Debt Instruments.  This update clarifies the requirements for assessing whether contingent 
call (put) options that can accelerate the payment of principal on debt instruments are clearly and closely related to their 
debt hosts.  The update is applied on a modified retrospective approach to existing debt instruments as of the beginning of 
the fiscal year for which the amendments are effective.  The standard did not have a material impact on our consolidated 
financial statements and related disclosures.

Effective January 1, 2017, the Company adopted FASB ASU No. 2016-07, Investments - Equity Method and Joint 
Ventures (Topic 323), Simplifying the Transition to the Equity Method of Accounting.  This update affects all entities that 
have an investment that becomes qualified for the equity method of accounting as a result of an increase in the level of 
ownership interest or degree of influence.  The update is applied prospectively upon the effective date of increases in the 
level of ownership interest or degree of influence that result in the adoption of the equity method.  The standard did not have 
a material impact on our consolidated financial statements and related disclosures.

Effective January 1, 2017, the Company adopted FASB ASU No. 2016-09, Compensation - Stock Compensation (Topic 
718).  The update amends the guidelines for share-based payment transactions, including the income tax consequences, 
classification of awards as either equity or liabilities, and classification on the statement of cash flows.  The standard did 
not have a material impact on our consolidated financial statements and related disclosures.

F - 9

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

Effective  January  1,  2017,  the  Company  adopted  FASB ASU  No.  2017-01,  Business  Combinations  (Topic  805), 
Clarifying  the  Definition  of  a  Business.  The  update  provides  guidance  to  assist  entities  with  evaluating  when  a  set  of 
transferred assets and activities is a business.  The update is applied prospectively and requires no disclosures at transition.  
The standard did not have a material impact on our consolidated financial statements and related disclosures.

Principles of Consolidation

The consolidated financial statements include the accounts of Aircastle and all of its subsidiaries.  Aircastle consolidates 
five Variable Interest Entities (“VIEs”) of which Aircastle is the primary beneficiary.  All intercompany transactions and 
balances have been eliminated in consolidation.

We consolidate VIEs in which we have determined that we are the primary beneficiary.  We use judgment when deciding 
(a) whether an entity is subject to consolidation as a VIE, (b) who the variable interest holders are, (c) the potential expected 
losses and residual returns of the variable interest holders, and (d) which variable interest holder is the primary beneficiary. 
When determining which enterprise is the primary beneficiary, we consider (1) the entity’s purpose and design, (2) which 
variable interest holder has the power to direct the activities that most significantly impact the entity’s economic performance, 
and (3) the obligation to absorb losses of the entity or the right to receive benefits from the entity that could potentially be 
significant to the VIE.  When certain events occur, we reconsider whether we are the primary beneficiary of VIEs.  We do 
not reconsider whether we are a primary beneficiary solely because of operating losses incurred by an entity.

Risk and Uncertainties

In the normal course of business, Aircastle encounters several significant types of economic risk including credit, 
market, aviation industry and capital market risks. Credit risk is the risk of a lessee’s inability or unwillingness to make 
contractually required payments and to fulfill its other contractual obligations.  Market risk reflects the change in the value 
of derivatives and financings due to changes in interest rate spreads or other market factors, including the value of collateral 
underlying financings.  Aviation industry risk is the risk of a downturn in the commercial aviation industry which could 
adversely impact a lessee’s ability to make payments, increase the risk of unscheduled lease terminations and depress lease 
rates and the value of the Company’s aircraft.  Capital market risk is the risk that the Company is unable to obtain capital 
at reasonable rates to fund the growth of our business or to refinance existing debt facilities.

Use of Estimates

The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and 
assumptions  that  affect  the  amounts  reported  in  the  consolidated  financial  statements  and  accompanying  notes.   While 
Aircastle believes that the estimates and related assumptions used in the preparation of the consolidated financial statements 
are appropriate, actual results could differ from those estimates.

Cash and Cash Equivalents and Restricted Cash and Cash Equivalents 

Aircastle considers all highly liquid investments with maturities of three months or less when purchased to be cash 

equivalents.

Restricted cash and cash equivalents consists primarily of rent collections, maintenance payments and security deposits 
received from lessees pursuant to the terms of various lease agreements held in lockbox accounts in accordance with our 
financings.  Changes in restricted cash related to the sale of flight equipment are reflected within investing activities of our 
Consolidated Statements of Cash Flows.  Changes in restricted cash and cash equivalents related to rents, maintenance 
payments and security deposits are reflected within financing activities of our Consolidated Statements of Cash Flows.

Virtually all of our cash and cash equivalents and restricted cash and cash equivalents are held or managed by three

major financial institutions.

Flight Equipment Held for Lease and Depreciation

F - 10

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

Flight equipment held for lease is stated at cost and depreciated using the straight-line method, typically over a 25-
year life from the date of manufacture for passenger aircraft and over a 30 to 35-year life for freighter aircraft, depending 
on whether the aircraft is a converted or purpose-built freighter, to estimated residual values.  Estimated residual values are 
generally determined to be approximately 15% of the manufacturer’s estimated realized price for passenger aircraft when 
new and 5% to 10% for freighter aircraft when new.  Management may make exceptions to this policy on a case-by-case 
basis when, in its judgment, the residual value calculated pursuant to this policy does not appear to reflect current expectations 
of value. Examples of situations where exceptions may arise include but are not limited to:

• 

• 
• 

flight  equipment  where  estimates  of  the  manufacturer’s  realized  sales  prices  are  not  relevant  (e.g.,  freighter 
conversions);
flight equipment where estimates of the manufacturers’ realized sales prices are not readily available; and
flight equipment which may have a shorter useful life due to obsolescence.

Major improvements and modifications incurred in connection with the acquisition of aircraft that are required to get 

the aircraft ready for initial service are capitalized and depreciated over the remaining life of the flight equipment.

For planned major maintenance activities for aircraft off-lease, the Company capitalizes the actual maintenance costs 
by applying the deferral method.  Under the deferral method, we capitalize the actual cost of major maintenance events, 
which are depreciated on a straight-line basis over the period until the next maintenance event is required.

In accounting for flight equipment held for lease, we make estimates about the expected useful lives, the fair value of 
attached leases, acquired maintenance assets or liabilities and the estimated residual values.  In making these estimates, we 
rely upon actual industry experience with the same or similar aircraft types and our anticipated lessee’s utilization of the 
aircraft.

For purchase and lease back transactions, we account for the transaction as a single arrangement.  We allocate the 
consideration paid based on the fair value of the aircraft and lease.  The fair value of the lease may include a maintenance 
premium and a lease premium or discount.

When we acquire an aircraft with a lease, determining the fair value of attached leases requires us to make assumptions 
regarding the current fair values of leases for specific aircraft.  We estimate a range of current lease rates of like aircraft in 
order to determine if the attached lease is within a fair value range.  If a lease is below or above the range of current lease 
rates, we present value the estimated amount below or above the fair value range over the remaining term of the lease.  The 
resulting lease discount or premium is amortized into lease rental income over the remaining term of the lease.

Impairment of Flight Equipment

We perform a recoverability assessment of all aircraft in our fleet, on an aircraft-by-aircraft basis annually during the 
third  quarter.    In  addition,  a  recoverability  assessment  is  performed  whenever  events  or  changes  in  circumstances,  or 
indicators, suggest that the carrying amount or net book value of an asset may not be recoverable.  Indicators may include, 
but are not limited to, a significant lease restructuring or early lease termination, significant change in aircraft model’s storage 
levels, the introduction of newer technology aircraft or engines, an aircraft type is no longer in production or a significant 
airworthiness directive is issued.  When we perform a recoverability assessment, we measure whether the estimated future 
undiscounted net cash flows expected to be generated by the aircraft exceed its net book value.  The undiscounted cash flows 
consist of cash flows from currently contracted lease rental and maintenance payments, future projected lease rates, transition 
costs, estimated down time, estimated residual or scrap values for an aircraft, economic conditions and other factors.  In the 
event that an aircraft does not meet the recoverability test, the aircraft will be adjusted to fair value, resulting in an impairment 
charge.  See Note 2 — Fair Value Measurements.

Management develops the assumptions used in the recoverability analysis based on current and future expectations of 
the global demand for a particular aircraft type and historical experience in the aircraft leasing market and aviation industry, 
as well as information received from third party industry sources.  The factors considered in estimating the undiscounted 
cash flows are impacted by changes in future periods due to changes in projected lease rental and maintenance payments, 
residual values, economic conditions, technology, airline demand for a particular aircraft type and other factors.

F - 11

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

In monitoring the aircraft in our fleet for impairment charges, we identify those aircraft that are most susceptible to 
failing the recoverability assessment and monitor those aircraft more closely, which may result in more frequent recoverability 
assessments.  The recoverability in the value of these aircraft is more sensitive to changes in contractual cash flows, future 
cash flow estimates and residual values or scrap values for each aircraft.  These are typically older aircraft for which lessee 
demand is declining.

Net Investment in Finance and Sales-Type Leases

If a lease meets specific criteria at the inception or at any lease modification date, we recognize the lease as a Net 
investment in finance and sales-type leases on our Consolidated Balance Sheets.  For sales-type leases, we recognize the 
difference between the net book value of the aircraft and the Net investment in finance and sales-type leases as a gain or 
loss on sale of fight equipment, less any initial direct costs and lease incentives.  The Net investment in finance and sales-
type leases consists of lease receivables, less the unearned income, plus the estimated unguaranteed residual value of the 
leased flight equipment at the lease end date.  The unearned income is recognized as Finance and sales-type lease revenue 
in our Consolidated Statements of Income over the lease term in a manner that produces a constant rate of return on the Net 
investment in finance and sales-type leases.

Collectability of finance and sales-type leases is evaluated periodically on an individual customer level.  The evaluation 
of the collectability of the finance and sales-type leases considers the credit of the lessee and the value of the underlying 
aircraft.  An allowance for credit losses is established if there is evidence that we will be unable to collect all amounts due 
according to the original contractual terms of the Net investment in finance and sales-type leases.  At December 31, 2016, 
we had no allowance for credit losses for our Net investment in finance and sales-type leases.  When collectability is not 
reasonably assured, the customer is placed on non-accrual status, and revenue is recognized when cash payments are received.

Unconsolidated Equity Method Investment

Aircastle accounts for its interest in an unconsolidated joint venture using the equity method as we do not control the 
joint venture entity.  Under the equity method, the investment is initially recorded at cost and the carrying amount is affected 
by its share of the unconsolidated joint venture’s undistributed earnings and losses, and distributions of dividends and capital.

Security Deposits

Most of our operating leases require the lessee to pay Aircastle a security deposit or provide a letter of credit.  Security 
deposits represent cash received from the lessee that is held on deposit until lease expiration.  Aircastle’s operating leases 
also obligate the lessees to maintain flight equipment and comply with all governmental requirements applicable to the flight 
equipment, including without limitation, operational, maintenance, registration requirements and airworthiness directives.

Maintenance Payments

Typically, under an operating lease, the lessee is responsible for performing all maintenance but might be required to 
make payments to us for heavy maintenance, overhaul or replacement of certain high-value components of the aircraft.  
These maintenance payments are based on hours or cycles of utilization or on calendar time, depending upon the component, 
and are required to be made monthly in arrears or at the end of the lease term.  Whether to permit a lessee to make maintenance 
payments at the end of the lease term, rather than requiring such payments to be made monthly, depends on a variety of 
factors, including the creditworthiness of the lessee, the level of security deposit which may be provided by the lessee and 
market conditions at the time we enter into the lease.  If a lease requires monthly maintenance payments, we would typically 
be obligated to reimburse the lessee for costs they incur for heavy maintenance, overhaul or replacement of certain high-
value components to the extent of maintenance payments received in respect of the specific maintenance event, usually 
shortly following completion of the relevant work.  If a lease requires end of lease term maintenance payments, typically 
the lessee would be required to pay us for its utilization of the aircraft during the lease; however, in some cases, we may 
owe a net payment to the lessee in the event heavy maintenance is performed and paid for by the lessee during the lease 
term and the aircraft is returned to us in better condition that at lease inception.

We record monthly maintenance payments by the lessee as accrued maintenance payments liabilities in recognition 
of our contractual commitment to refund such receipts.  In these contracts, we do not recognize such maintenance payments 
F - 12

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

as maintenance revenue during the lease.  Reimbursements to the lessee upon the receipt of evidence of qualifying maintenance 
work are charged against the existing accrued maintenance payments liability.  We currently defer maintenance revenue 
recognition of all monthly maintenance payments collected until the end of the lease, when we are able to determine the 
amount, if any, by which the monthly maintenance payments received from a lessee exceed costs to be incurred by that 
lessee in performing heavy maintenance.  End of lease term maintenance payments made to us are recognized as maintenance 
revenue, and end of lease term maintenance payments we make to a lessee are recorded as contra maintenance revenue.

Lease Incentives and Amortization

Many of our leases contain provisions which may require us to pay a portion of the lessee’s costs for heavy maintenance, 
overhaul or replacement of certain high-value components.  We account for these expected payments as lease incentives, 
which are amortized as a reduction of revenue over the life of the lease.  We estimate the amount of our portion for such 
costs, typically for the first major maintenance event for the airframe, engines, landing gear and auxiliary power units, 
expected to be paid to the lessee based on assumed utilization of the related aircraft by the lessee, the anticipated amount of 
the maintenance event cost and the estimated amounts the lessee is responsible to pay.

This estimated lease incentive is not recognized as a lease incentive liability at the inception of the lease.  We recognize 
the lease incentive as a reduction of lease revenue on a straight-line basis over the life of the lease, with the offset being 
recorded as a lease incentive liability which is included in maintenance payments on the balance sheet.  The payment to the 
lessee for the lease incentive liability is first recorded against the lease incentive liability, and any excess above the lease 
incentive liability is recorded as a prepaid lease incentive asset, which is included in other assets on the balance sheet and 
continues to amortize over the remaining life of the lease.

Lease acquisition costs related to reconfiguration of the aircraft cabin, other lessee specific modifications and other 
direct costs are capitalized and amortized into revenue over the initial life of the lease, assuming no lease renewals, and are 
included in other assets.

Income Taxes

Aircastle uses an asset and liability based approach in accounting for income taxes.  Deferred income tax assets and 
liabilities are recognized for the future tax consequences attributed to differences between the financial statement and tax 
basis of existing assets and liabilities using enacted rates applicable to the periods in which the differences are expected to 
affect taxable income.  A valuation allowance is established, when necessary, to reduce deferred tax assets to the amount 
estimated by us to be realizable.  The Company recognizes the tax benefit from an uncertain tax position only if it is more 
likely  than  not  that  the  tax  position  will  be  sustained  on  examination  by  the  taxing  authorities.   We  did  not  have  any 
unrecognized tax benefits.

Lease Revenue Recognition

We lease flight equipment under net operating leases with lease terms typically ranging from three to seven years.  We 
generally do not offer renewal terms or purchase options in our leases, although certain of our operating leases allow the 
lessee the option to extend the lease for an additional term.  Operating leases with fixed rentals and step rentals are recognized 
on a straight-line basis over the term of the initial lease, assuming no renewals. Operating lease rentals that adjust based on 
a London Interbank Offered Rate (“LIBOR”) index are recognized on a straight-line basis over the period the rentals are 
fixed  and  accruable.  Revenue  is  not  recognized  when  collection  is  not  reasonably  assured.  When  collectability  is  not 
reasonably assured, the customer is placed on non-accrual status, and revenue is recognized when cash payments are received.

Comprehensive Income

Comprehensive  income  consists  of  net  income  and  other  gains  and  losses,  net  of  income  taxes,  if  any,  affecting 

shareholders’ equity that, under U.S. GAAP, are excluded from net income.

Share-Based Compensation

F - 13

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

Aircastle recognizes compensation cost relating to share-based payment transactions in the financial statements based 
on the fair value of the equity instruments issued.  Aircastle uses the straight-line method of accounting for compensation 
cost on share-based payment awards that contain pro-rata vesting provisions.

Deferred Financing Costs

Deferred financing costs, which are included in borrowings from secured and unsecured financings, net of debt issuance 
costs, in the Consolidated Balance Sheets, are amortized using the interest method for amortizing loans over the lives of the 
relevant related debt.

Recent Accounting Pronouncements

On February 25, 2016, the FASB issued Accounting Standards Codification (“ASC”) 842 (“ASC 842”), “Leases,” 
which replaced the existing guidance in ASC 840, Leases.   The accounting for leases by lessors basically remained unchanged 
from the concepts that existed in ASC 840 accounting.  The FASB decided that lessors would be precluded from recognizing 
selling profit and revenue at lease commencement for any sales-type or direct finance lease that does not transfer control of 
the underlying asset to the lessee.  This requirement aligns the notion of what constitutes a sale in the lessor accounting 
guidance with that in the forthcoming revenue recognition standard, which evaluates whether a sale has occurred from the 
customer’s perspective.  The standard will be effective for public entities beginning after December 15, 2018.  The standard 
is applied on a modified retrospective approach.  We plan to adopt the standard on its required effective date of January 1, 
2019.  We are evaluating the impact that ASC 842 will have on our consolidated financial statements and related disclosures.  
We do not believe that the adoption of the standard will significantly impact our existing or potential lessees' economic 
decisions to lease aircraft.

In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments - Credit Losses (Topic 326), Measurement of 
Credit Losses on Financial Instruments.  The standard affects entities holding financial assets and net investment in leases 
that are not accounted for at fair value through net income. The amendments affect loans, debt securities, trade receivables, 
net investments in leases, off-balance-sheet credit exposures, reinsurance receivables, and any other financial assets not 
excluded from the scope that have the contractual right to receive cash.  The update is applied on a modified retrospective 
approach. The standard is effective for annual periods beginning after December 15, 2019, including interim periods within 
those fiscal years.  Early adoption is permitted as early as the fiscal years beginning after December 15, 2018, including 
interim periods within those fiscal years.   We are in the process of determining the impact the standard will have on our 
consolidated financial statements and related disclosures.

In August 2016, the FASB issued ASU No. 2016-15, Statement of Cash Flows (Topic 230), Classification of Certain 
Cash Receipts and Cash Payments.  The standard clarifies how entities should classify certain cash receipts and cash payments 
on the statement of cash flows. The guidance also clarifies how the predominance principle should be applied when cash 
receipts  and  cash  payments  have  aspects  of  more  than  one  class  of  cash  flows.   The  update  should  be  applied  using  a 
retrospective  transition  method  to  each  period  presented.  The  standard  is  effective  for  annual  periods  beginning  after 
December 15, 2017, including interim periods within those fiscal years.  Early adoption is permitted.   We are in the process 
of determining the impact the standard will have on our consolidated financial statements and related disclosures.

In November 2016, the FASB issued ASU No. 2016-18, Statement of Cash Flows (Topic 230), Restricted Cash.  The 
standard  requires  entities  to  show  the  changes  in  the  total  of  cash,  cash  equivalents,  restricted  cash  and  restricted  cash 
equivalents in the statement of cash flows.  The update should be applied using a retrospective transition method to each 
period presented. The standard is effective for annual periods beginning after December 15, 2017, including interim periods 
within those fiscal years.  Early adoption is permitted.   We are in the process of determining the impact the standard will 
have on our consolidated financial statements and related disclosures.

On  May  28,  2014,  the  FASB  and  the  International Accounting  Standards  Board  (the  “IASB”)  (collectively,  “the 
Boards”), jointly issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606) and related updates.  Lease 
contracts within the scope of ASC 840, Leases, are specifically excluded from ASU No. 2014-09.  The standard’s core 
principle is that a company will recognize revenue when it transfers promised goods or services to customers in an amount 
that reflects the consideration to which a company expects to be entitled in exchange for those goods or services.  The 
standard is effective for public entities beginning after December 15, 2017.  The standard allows for either “full retrospective” 

F - 14

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

adoption, meaning the standard is applied to all of the periods presented, or “modified retrospective” adoption, meaning the 
standard is applied only to the most current period presented in the financial statements.  We plan to adopt the standard on 
its required effective date of January 1, 2018.  The standard does not impact the accounting of our lease revenue, but may 
impact the accounting of our other revenue and other income.  While we are still performing our analysis, we do not expect 
the impact of this standard to be material to our consolidated financial statements and related disclosures.

Note 2.  Fair Value Measurements

Fair value measurements and disclosures require the use of valuation techniques to measure fair value that maximize 

the use of observable inputs and minimize use of unobservable inputs.  These inputs are prioritized as follows:

•  Level 1: Observable inputs such as quoted prices in active markets for identical assets or liabilities.
•  Level 2: Inputs other than quoted prices included within Level 1 that are observable, either directly or indirectly, 

such as quoted prices for similar assets or liabilities or market corroborated inputs.

•  Level 3: Unobservable inputs for which there is little or no market data and which require us to develop our own 

assumptions about how market participants price the asset or liability.

The valuation techniques that may be used to measure fair value are as follows:

•  The  market  approach uses  prices  and  other  relevant  information  generated  by  market  transactions  involving 

identical or comparable assets or liabilities.

•  The income approach uses valuation techniques to convert future amounts to a single present amount based on 

current market expectation about those future amounts.

•  The cost approach is based on the amount that currently would be required to replace the service capacity of an 

asset (replacement cost).

The following tables set forth our financial assets and liabilities as of December 31, 2016 and 2015 that we measured 
at fair value on a recurring basis by level within the fair value hierarchy.  Assets and liabilities measured at fair value are 
classified in their entirety based on the lowest level of input that is significant to their fair value measurement.

Assets:

Cash and cash equivalents

Restricted cash and cash equivalents

Derivative assets

Total

Liabilities:

Derivative liabilities

Assets:

Cash and cash equivalents

Restricted cash and cash equivalents

Derivative assets

Total

Fair Value
as of
December 31,
2016

Fair Value Measurements at December 31, 2016
Using Fair Value Hierarchy

Level 1

Level 2

Level 3

$

455,579

$ 455,579

$

— $

53,238

5,735

53,238

—

—

5,735

$

514,552

$ 508,817

$

5,735

$

—

—

—

—

$

— $

— $

— $

— Income

Fair Value
as of
December 31,
2015

Fair Value Measurements at December 31, 2015
Using Fair Value Hierarchy

Level 1

Level 2

Level 3

Valuation
Technique

Market

Market

Market

Valuation
Technique

Market

Market

Market

$

155,904

$ 155,904

$

— $

98,137

98,137

—

—

—

—

$

254,041

$ 254,041

$

— $

—

—

—

—

F - 15

 
 
 
 
Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

Liabilities:

Derivative liabilities

$

1,283

$

— $

1,283

$

— Income

Our cash and cash equivalents, along with our restricted cash and cash equivalents balances, consist largely of money 
market securities that are considered to be highly liquid and easily tradable.  These securities are valued using inputs observable 
in active markets for identical securities and are therefore classified as Level 1 within our fair value hierarchy.  Our interest 
rate derivative included in Level 2 consists of United States dollar-denominated interest rate cap, and their fair value is based 
on the market comparisons for similar instruments.  We also considered the credit rating and risk of the counterparty providing 
the interest rate cap based on quantitative and qualitative factors.

For the years ended December 31, 2016 and 2015, we had no transfers into or out of Level 3.

We measure the fair value of certain assets and liabilities on a non-recurring basis, when U.S. GAAP requires the 
application of fair value, including events or changes in circumstances that indicate that the carrying amounts of assets may 
not  be  recoverable.   Assets  subject  to  these  measurements  include  our  investment  in  unconsolidated  joint  ventures  and 
aircraft.  We account for our investment in unconsolidated joint ventures under the equity method of accounting and record 
impairment when its fair value is less than its carrying value.  We record aircraft at fair value when we determine the carrying 
value may not be recoverable.  Fair value measurements for aircraft in impairment tests are based on an income approach 
which uses Level 3 inputs, which include the Company’s assumptions and appraisal data as to future cash proceeds from 
leasing and selling aircraft.

Aircraft Valuation 

Recoverability Assessment

We completed our annual recoverability assessment of wide-body and freighter aircraft during the second quarter and 
narrow-body aircraft fleet during the third quarter.  We also performed aircraft-specific analyses where there were changes 
in circumstances, such as approaching lease expirations.

The recoverability assessment is a comparison of the carrying value of each aircraft to its undiscounted expected future 
cash flows.  We develop the assumptions used in the recoverability assessment, including those relating to current and future 
demand for each aircraft type, based on management’s experience in the aircraft leasing industry, as well as information 
received from third-party sources.  Estimates of the undiscounted cash flows for each aircraft type are impacted by changes 
in contracted and future expected lease rates, residual values, expected scrap values, economic conditions and other factors.

In our third quarter 2016 assessment, we reduced economic lives and residuals for all six older Boeing 757-200 aircraft, 
which we intend to sell at lease end.  As a result, we recorded impairment charges totaling $2,167 relating to two of these 
aircraft held as operating leases and impairment losses totaling $2,618 relating to three of these aircraft held as finance 
leases.

During the second quarter of 2016, we reduced forecasted cash flows for older Airbus A330 aircraft to reflect lower 
rental expectations given weak demand and increased competition from newer units.  As a result, we recorded impairment 
charges totaling $11,670 and maintenance revenue of $4,000 relating to one sixteen year old Airbus A330-200 approaching 
lease expiry.

In our 2015 assessment, we reduced forecasted future cash flows for our six Boeing 747-400 converted freighter aircraft 
not subject to sales agreements, all of which were more than twenty years old.  Our new forecast reflected the persisting 
glut of supply in the air cargo market resulting from weak growth in demand combined with the growth in capacity arising 
from new production air freighters and higher belly capacity in latest generation wide-body passenger aircraft.  In addition 
to  these  market-wide  impacts,  our  older  freighters  were  affected  specifically  by  the  imposition  of  age  limits  in  certain 
countries and by lower utilization levels.

As a result, we determined that each of our older converted freighter aircraft was on its last lease, and we reduced our 
residual value assumptions for these aircraft and expect to scrap them following lease expiry.  During the third quarter of 

F - 16

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

2015, we therefore impaired four of these aircraft, which had an aggregate net book value as of August 31, 2015 of $115,888, 
writing down their book values by a total of $34,575, with a fair value date of September 1, 2015.  For one of these aircraft, 
we recorded maintenance revenue of $5,858, as we no longer planned to reinvest these funds.

Other Impairments

In the third quarter of 2016, we reduced forecasted cash flows for three Boeing 747-400 converted freighter aircraft 
due to a change in planned engine maintenance events.  These three aircraft are nearing the end of their economic lives and 
leases.  As a result, we recorded impairment charges totaling $5,450, maintenance revenue of $5,596 and reversed lease 
incentives of $2,361.

Also in the third quarter of 2016, we impaired one Airbus A321-200 aircraft for which we had a sales agreement, 
resulting in an impairment charge of $1,712.  This aircraft was classified as Held for sale in Other assets at September 30, 
2016 and sold for its recorded value in October 2016.

In the second quarter of 2016, we entered into an agreement to sell two older Boeing 747-400 converted freighter 
aircraft to the lessee resulting in an impairment charge of $5,053.  These two aircraft were classified as Held for sale at 
June 30, 2016 in Other assets and were subsequently sold in July 2016.

In December 2015, one of our Airbus A330-300 aircraft was returned to us early as a result of a lease termination.  We 
elected not to reinvest in certain major maintenance needed to release this aircraft and instead have classified it as Held for 
sale.  As a result, we recorded an impairment of $16,896 for this aircraft, partially offset by maintenance revenue of $9,055, 
reversed lease incentives of $4,487 and other revenue of $1,778.

In the third quarter of 2015, Malaysian Airline System (“MAS”) informed us that it was effectively rejecting the lease 
on our Boeing 777-200ER aircraft as part of its restructuring.  This aircraft, which was manufactured in 1998, was the only 
aircraft we had on lease to MAS.  We repossessed it in October 2015.  We reduced the carrying value of this aircraft to our 
best estimate of scrap value. This write-down resulted in an impairment charge of $37,770, partially offset by $1,200 of 
other revenue from a letter of credit we drew following the lease rejection.  This aircraft was sold in the second quarter of 
2016.

Also in the third quarter of 2015, we modified the lease agreement with respect to one Airbus A321-200 aircraft.  We 
elected not to reinvest in certain major maintenance events during the lease term, and the lessee agreed to release its rights 
to certain maintenance payments.  As a result, we recorded an impairment charge of $6,058 and maintenance revenue of 
$7,109 for this aircraft.

In the second quarter of 2015, we impaired two McDonnell Douglas MD-11 freighter aircraft and one Boeing 737-800 

aircraft and recorded impairment charges totaling $23,955 and maintenance revenue of $18,234.

Other than the aircraft discussed above, management believes that the net book value of each aircraft is currently 
supported by the estimated future undiscounted cash flows expected to be generated by that aircraft, and accordingly, no 
other aircraft were impaired as a consequence of this recoverability assessment.  However, if our estimates or assumptions 
change, we may revise our cash flow assumptions and record future impairment charges.  While we believe that the estimates 
and related assumptions used in the recoverability assessment are appropriate, actual results could differ from those estimates.

Financial Instruments

Our financial instruments, other than cash, consist principally of cash equivalents, restricted cash and cash equivalents, 
accounts receivable, accounts payable, amounts borrowed under financings and interest rate derivatives.  The fair value of 
cash, cash equivalents, restricted cash and cash equivalents, accounts receivable and accounts payable approximates the 
carrying value of these financial instruments because of their short-term nature.

The fair values of our ECA Financings (as described in Note 6 - Variable Interest Entities below) and other secured 
bank financings are estimated using a discounted cash flow analysis, based on our current incremental borrowing rates for 
similar types of borrowing arrangements. The fair value of our senior notes is estimated using quoted market prices.

F - 17

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

The carrying amounts and fair values of our financial instruments at December 31, 2016 and 2015 are as follows:

Securitizations

Credit Facilities

ECA Financings

Bank Financings

Senior Notes

December 31, 2016

December 31, 2015

Carrying 
Amount
of Liability

Fair Value
of Liability

Carrying 
Amount
of Liability

Fair Value
of Liability

$

— $

— $

125,366

$

120,000

305,276

933,541

120,000

316,285

925,783

225,000

404,491

636,970

123,696

225,000

422,640

653,699

3,200,000

3,387,125

2,700,000

2,832,125

All of our financial instruments are classified as Level 2 with the exception of our senior notes, which are classified 

as Level 1.

Note 3.  Lease Rental Revenues and Flight Equipment Held for Lease

Minimum future annual lease rentals contracted to be received under our existing operating leases of flight equipment 

at December 31, 2016 were as follows:

Year Ended December 31,

2017

2018

2019

2020

2021

Thereafter

Total

Amount

$

710,158

649,353

551,588

449,910

374,428

877,208

$

3,612,645

The classification of regions in the tables below is determined based on the principal location of the lessee of each 

aircraft.

Geographic concentration of lease rental revenue earned from flight equipment held for lease was as follows:

Region

Asia and Pacific

Europe

Middle East and Africa

North America

South America

Total

Year Ended December 31,

2016

2015

2014

40%

23%

12%

6%

19%

42%

28%
9%
5%
16%

100%

100%

40%

29%

9%

9%

13%

100%

F - 18

 
 
Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

The following table shows the number of lessees with lease rental revenue of at least 5% and their combined total 

percentage of lease rental revenue for the years indicated:

Year Ended December 31,

2016

2015

2014

Combined 
% of
Lease 
Rental 
Revenue

Number
of Lessees

Number
of Lessees

Combined 
% of
Lease 
Rental 
Revenue

Combined 
% of
Lease 
Rental 
Revenue

Number
of Lessees

Largest lessees by lease rental revenue

4

25%

3

17%

3

17%

The following table sets forth revenue attributable to individual countries representing at least 10% of total revenue 

(including maintenance revenue) in any year based on each lessee’s principal place of business for the years indicated:

Year Ended December 31,

2016

2015

2014

Country
Russia(1)
Indonesia(2) 

 ______________

Revenue

$

—

83,087

% of
Total
Revenue

% of
Total
Revenue

% of
Total
Revenue

Revenue

Revenue

—% $

11%

—

—

—% $ 86,512

—%

—

11%

—%

(1)  Total revenue attributable to Russia was less than 10% for the years ended December 31, 2016 and 2015.  For the year ended December 31, 2014, includes 

$29,867 of maintenance revenue related to early lease terminations.

(2)  Total revenue attributable to Indonesia was less than 10% for the years ended December 31, 2015 and 2014.

Geographic concentration of net book value of flight equipment (including flight equipment held for lease and net 

investment in finance and sales-type leases, or "net book value") was as follows:

Region

Asia and Pacific

Europe

Middle East and Africa

North America

South America

Off-lease

Total

______________

December 31, 2016

December 31, 2015

Number of
Aircraft

Net Book
Value %

Number of
Aircraft

Net Book
Value %

61

66

14

26

23
3 (1)

38%

23%

11%

8%

18%

2%

49

64

9

17

22
1 (2)

39%

26%

10%

6%

19%

—%

193

100%

162

100%

(1)  Consisted of one Airbus A330-200 aircraft, which was delivered on lease to a customer in February 2017, and two Airbus A321-200 aircraft, which are 

subject to a commitment to lease.

(2)  Consisted of one Boeing 777-200ER aircraft that was sold during the second quarter of 2016.

The following table sets forth net book value attributable to individual countries representing at least 10% of net book 

value based on each lessee’s principal place of business as of:

Region

Indonesia

December 31, 2016

December 31, 2015

Net Book
Value

Net Book
Value %

Number
of
Lessees

Net Book
Value

Net Book
Value %

Number
of
Lessees

$

—

—% —

$ 661,178

11%

3

F - 19

 
 
Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

At December 31, 2016 and 2015, the amounts of lease incentive liabilities recorded in maintenance payments on the 

Consolidated Balance Sheets were $14,931 and $21,432, respectively.

Note 4.  Net Investment in Finance and Sales-Type Leases

  At December 31, 2016, our net investment in finance and sales-type leases consisted of: eight aircraft leased to two
customers in the United States, one aircraft leased to a customer in the Netherlands, three aircraft leased to two customers 
in Germany, one aircraft leased to a customer in Spain and one aircraft leased to a customer in Sri Lanka.  The following 
table lists the components of our net investment in finance and sales-type leases at December 31, 2016:

Total lease payments to be received

Less: Unearned income

Estimated residual values of leased flight equipment (unguaranteed)

   Net investment in finance and sales-type leases

Amount

180,840

(79,932)

159,945

260,853

$

$

At December 31, 2016, minimum future lease payments on finance and sales-type leases are as follows: 

Year Ending December 31,

2017

2018

2019

2020

2021

Thereafter

Total lease payments to be received

$

Amount

34,113

27,418

27,249

26,843

20,987

44,230

$

180,840

Note 5.  Unconsolidated Equity Method Investment

On December 19, 2013, the Company and an affiliate of Ontario Teachers’ Pension Plan (“Teachers’”) formed a joint 
venture (“Lancaster”), in which we hold a 30% equity interest, to invest in leased aircraft.  Teachers’ holds 10.0% of our 
outstanding common shares.  In 2016, we sold four aircraft for approximately $100,000 to Lancaster; these transactions 
were approved by our Audit Committee as arm’s length transactions under our related party policy.

On February 23, 2016, through the Company’s relationship with Marubeni Corporation, we established a new joint 
venture (“IBJ Air”) with the leasing arm of the Industrial Bank of Japan, Limited (“IBJL”).  IBJ Air is targeted at new narrow-
body aircraft leased to premier airlines providing Aircastle with increased access to this market sector and to these customers.  
During 2016, we sold four aircraft for approximately $110,000 to IBJ Air, in which we hold a 25% equity interest.

Neither of these joint ventures qualifies for consolidated accounting treatment.  The assets and liabilities of Lancaster 
and IBJ Air are not included in our Consolidated Balance Sheets and we record our net investment under the equity method 
of accounting.  We source and service investments for Lancaster and IBJ Air and provide marketing, asset management and 
administrative services to them.  We are paid market-based fees for those services, which are recorded in Other revenue in 
our Consolidated Statements of Income.  The Company has recorded in its Consolidated Balance Sheet $9,740 guarantee 
liability in Maintenance payments and a $5,100 guarantee liability in Security deposits representing its share of the respective 
exposures.

At December 31, 2016, the net book value of our two joint ventures’ thirteen aircraft was approximately $689,000.

F - 20

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

Investment in joint venture at December 31, 2014

Investment in joint venture

Earnings from joint venture, net of tax

Distributions

Investment in joint venture at December 31, 2015

Investment in joint venture

Earnings from joint venture, net of tax

Distributions

Investment in joint venture at December 31, 2016

Note 6.  Variable Interest Entities

Amount

46,453

3,394

6,257

(5,727)

50,377

20,818

7,255

(5,473)

72,977

$

$

Aircastle consolidates five VIEs of which it is the primary beneficiary.  The operating activities of these VIEs are 
limited to acquiring, owning, leasing, maintaining, operating and, under certain circumstances, selling the seven aircraft 
discussed below.

Securitization

In May 2016, we repaid the outstanding amount plus accrued interest and fees due under our Securitization No. 2, and 

ACS Aircraft Finance Ireland 2 Limited became a wholly owned subsidiary of Aircastle.

ECA Financings

Aircastle, through various subsidiaries, each of which is owned by a charitable trust (such entities, collectively the 
“Air  Knight VIEs”),  has  entered  into  seven  different  twelve-year  term  loans,  which  are  supported  by  guarantees  from 
Compagnie Francaise d’ Assurance pour le Commerce Extérieur (“COFACE”), the French government sponsored export 
credit agency (“ECA”).  We refer to these COFACE-supported financings as “ECA Financings.”

Aircastle is the primary beneficiary of the Air Knight VIEs, as we have the power to direct the activities of the VIEs 
that most significantly impact the economic performance of such VIEs and we bear the significant risk of loss and participate 
in gains through a finance lease.  The activity that most significantly impacts the economic performance is the leasing of 
aircraft of which our wholly owned subsidiary is the servicer and is responsible for managing the relevant aircraft.  There 
is a cross collateralization guarantee between the Air Knight VIEs.  In addition, Aircastle guarantees the debt of the Air 
Knight VIEs.

The only assets that the Air Knight VIEs have on their books are financing leases that are eliminated in the consolidated 
financial statements.  The related aircraft, with a net book value as of December 31, 2016 of $515,671, were included in our 
flight equipment held for lease.  The consolidated debt outstanding, net of debt issuance costs, of the Air Knight VIEs as of 
December 31, 2016 is $296,365.

F - 21

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

Note 7.  Borrowings from Secured and Unsecured Debt Financings

The outstanding amounts of our secured and unsecured term debt financings were as follows:

At December 31, 2016

At 
December 31, 2015

Outstanding
Borrowings

Number of
Aircraft

Interest Rate(1)

Final Stated
Maturity

Outstanding
Borrowings

Debt Obligation

Secured Debt Financings:

Securitization No. 2
ECA Financings(2)
Bank Financings(3)(4)

Less: Debt Issuance Costs

$

—
305,276

933,541

(19,783)

Total secured debt financings, net of debt
issuance costs

1,219,034

Unsecured Debt Financings:

Senior Notes due 2017

Senior Notes due 2018

Senior Notes due 2019

Senior Notes due 2020

Senior Notes due 2021

Senior Notes due 2022

Senior Notes due 2023

DBJ Term Loan

Revolving Credit Facilities

Less: Debt Issuance Costs

500,000

400,000

500,000

300,000

500,000

500,000

500,000

120,000

—

(32,789)

Total unsecured debt financings, net of
debt issuance costs
Total secured and unsecured debt
financings, net of debt issuance costs

3,287,211

$

4,506,245

 _______________

—%

—

$

3.02% to 3.96% 12/03/21 to 11/30/24

1.66% to 4.45% 10/26/17 to 01/19/26

—

7

30

37

6.750%

4.625%

6.250%

7.625%

5.125%

5.500%

5.000%

2.653%

N/A

04/15/17

12/15/18

12/01/19

04/15/20

03/15/21

02/15/22

04/01/23

04/28/19

11/21/19 to 05/13/20

125,366
404,491

636,970

(20,589)

1,146,238

500,000

400,000

500,000

300,000

500,000

500,000

—

—

225,000

(30,082)

2,894,918

$

4,041,156

(1)  Reflects the floating rate in effect at the applicable reset date plus the margin for our DBJ Term Loan, six of our secured bank financings and our revolving 

credit facilities.  All other financings have a fixed rate.

(2)  The borrowings under these financings at December 31, 2016 have a weighted-average rate of interest of 3.52%.

(3)  The borrowings under these financings at December 31, 2016 have a weighted-average fixed rate of interest of 3.20%.

(4)  In September 2016, we purchased an interest rate cap for $2,283 to hedge approximately 70% of our floating rate interest exposure.  The interest rate cap 

is set at 2% and has a starting notional balance of $430,000 and reduces over time to $215,000.  The cap matures in September 2021.

Secured Debt Financings:

Securitization No. 2

On May 9, 2016, we prepaid the outstanding principal balance plus accrued interest and fees due under Securitization 
No. 2 and terminated the related interest rate derivatives for a total of $66,262.  Upon prepayment of Securitization No. 2, 
our liquidity facility commitment with HSH Nordbank AG ended and all drawn cash was returned.

Bank Financings

In June 2016, we entered into a seven-year, full recourse $434,250 floating rate financing with BNP Paribas, Crédit 
Agricole Corporate and Investment Bank and certain other banks for eighteen aircraft.  The terms of this facility require the 
portfolio  to  maintain  a  minimum  debt  service  coverage  ratio  of  1.15,  along  with  other  customary  provisions.   As  of 
December 31, 2016, we funded eighteen aircraft with an outstanding balance of $419,370 under this facility.

F - 22

 
Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

Unsecured Debt Financings:

DBJ Term Loan

In March 2016, we entered into a $120,000 floating rate three-year term loan commitment with Development Bank of 
Japan Inc. and certain other banks (the “DBJ Term Loan”).  The loan contains a $750,000 minimum net worth covenant, 
along with other customary provisions similar to our revolving credit facilities.  This loan was funded in April 2016.

Senior Notes due 2023

On March 21, 2016, Aircastle issued $500,000 aggregate principal amount of Senior Notes due 2023.  The Senior Notes 
due 2023 will mature on April 1, 2023 and bear interest at the rate of 5.00% per annum, payable semi-annually on April 1 
and October 1 of each year, commencing on October 1, 2016.  Interest accrues on the Senior Notes due 2023 from March 
24, 2016.

We may redeem the Senior Notes due 2023 at any time at a redemption price equal to (a) 100% of the principal amount 
of the notes redeemed, plus accrued and unpaid interest thereon to, but not including, the redemption date and (b) the sum 
of the present values of the remaining scheduled payments of principal and interest on the notes from the redemption date 
through the maturity date of the notes (computed using a discount rate equal to the Treasury Rate (as defined in the indenture 
governing the notes) as of such redemption date plus 50 basis points).  In addition, prior to April 1, 2019, we may redeem 
up to 40% of the aggregate principal amount of the notes issued under the indenture at a redemption price equal to 105%
plus accrued and unpaid interest thereon to, but not including, the redemption date, with the net proceeds of certain equity 
offerings.  If the Company undergoes a change of control, it must offer to repurchase the Senior Notes due 2023 at 101%
of the principal amount, plus accrued and unpaid interest.  The Senior Notes due 2023 are not guaranteed by any of the 
Company’s subsidiaries or any third party.

Proceeds from the issuance were used to repay amounts drawn under our existing revolving credit facility and for 

general corporate purposes.

Revolving Credit Facilities

On March 29, 2016, we increased the size of our existing unsecured revolving credit facility from $600,000 to $675,000

and extended its maturity by one year to May 2020.

On November 21, 2016, we entered into a $135,000 three-year, unsecured revolving credit facility with a group of 
banks based in Asia.  This facility bears interest at a rate of LIBOR plus 2.1% and matures in November 2019.  The facility 
contains provisions similar to our existing revolving credit facility, including a $750,000 minimum net worth covenant.

At December 31, 2016, we had no amounts outstanding under these facilities.

Maturities of the secured and unsecured debt financings over the next five years and thereafter are as follows:

Year Ending December 31,

2017

2018

2019

2020

2021

Thereafter

Total

____________

Amount

683,526

544,023

751,328

433,393

635,743

1,513,455
4,561,468  

$

$

As of December 31, 2016, we were in compliance with all applicable covenants in our financings.

F - 23

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

Note 8.  Shareholders’ Equity and Share-Based Payment

In January 2006, the Board of Directors (the “Board”) and shareholders managed by affiliates of Fortress Investment 
Group LLC (the “Fortress Shareholders”) adopted the Aircastle Investment Limited 2005 Equity and Incentive Plan, and 
the Board and the Fortress Shareholders approved an amendment to and restatement thereof on July 20, 2006 (as so amended 
and restated, the “2005 Plan”).

On March 14, 2014, the Board of Directors adopted the Aircastle Limited 2014 Omnibus Incentive Plan (the “2014 
Plan”).  The 2014 Plan was approved by shareholders at the Company’s 2014 Annual General Meeting of Shareholders on 
May 22, 2014.  The 2014 Plan replaced the 2005 Plan.

The purposes of the 2014 Plan are to provide an additional incentive to selected officers, employees, non-employee 
directors, independent contractors, and consultants of the Company or its affiliates whose contributions are essential to the 
growth and success of the business of the Company and its affiliates, to strengthen the commitment of such persons to the 
Company and its affiliates, motivate such persons to faithfully and diligently perform their responsibilities and attract and 
retain competent and dedicated persons whose efforts will result in the long-term growth and profitability of the Company 
and its affiliates.  To accomplish such purposes, the 2014 Plan provides that the Company may grant options, share appreciation 
rights, restricted shares, restricted share units, share bonuses, other share-based awards, cash awards or any combination of 
the foregoing.  The 2014 Plan provides that grantees of restricted common shares will have all of the rights of shareholders, 
including the right to receive dividends, other than the right to sell, transfer, assign or otherwise dispose of the shares until 
the lapse of the restricted period.  Generally, the restricted common shares vest over three to five-year periods based on 
continued service and are being expensed on a straight-line basis over the requisite service period of the awards.  The terms 
of the grants provide for accelerated vesting under certain circumstances, including termination without cause following a 
change of control.

The maximum number of Common Shares reserved for issuance under the 2014 Plan is 2,500,000 Common Shares, 
which includes 713,540 Common Shares remaining under the 2005 Plan that became available for reuse following the 
adoption of the 2014 Plan.  Restricted common shares outstanding under the 2005 Plan in the amount of 140,887 shares will 
continue to vest subject to the terms and conditions of the 2005 Plan and the applicable awards agreements which are included 
in the below table.

A summary of the fair value of non-vested restricted common shares for the years ended December 31, 2016, 2015

and 2014 is as follows: 

Non-vested Shares
Non-vested at December 31, 2013

Granted

Canceled

Vested

Non-vested at December 31, 2014

Granted

Canceled

Vested

Non-vested at December 31, 2015

Granted

Canceled

Vested

Non-vested at December 31, 2016

Shares
(in 000’s)

Weighted
Average
Grant Date
Fair Value

$

694.7

341.1

(69.1)

(345.4)

621.3

308.8

(10.6)

(268.1)

651.4

336.7

(9.0)

(302.4)

676.7

$

13.49

18.80

15.89

13.47

16.15

21.58

19.22

15.82

18.81

16.58

18.21

18.50

17.84

F - 24

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

The fair value of the restricted common shares granted in 2016, 2015 and 2014 were determined based upon the market 

price of the shares at the grant date.

The  total  unrecognized  compensation  cost,  adjusted  for  estimated  forfeitures,  related  to  all  non-vested  restricted 
common shares as of December 31, 2016, in the amount of $8,986, is expected to be recognized over a weighted average 
period of 1.82 years.

Performance Share Units

During 2016, the Company issued performance share units (“PSUs”) to certain employees.  These awards were made 
under the 2014 Plan.  The PSUs are denominated in share units without dividend rights, each of which is equivalent to one 
common share, and are subject to market and performance conditions and time vesting.

The PSUs granted in 2016 vest at the end of a three-year performance period which ends on December 31, 2018.  Half 
of the PSUs vest on achieving relative total stockholder return goals (the "TSR PSUs") while the other half vest on attaining 
annual Adjusted Return on Equity goals (the "AROE PSUs").  The table below shows the PSU awards granted during 2016, 
including the number of common shares underlying the awards at the time of grant:

TSR PSUs

AROE PSUs

Total

Minimum

Target

Maximum

—

—

—

143,414

143,409

286,823

286,828

286,818

573,646

The fair value of the time-based TSR PSUs was determined at the grant date using a Monte Carlo simulation model.  
Included in the Monte Carlo simulation model were certain assumptions regarding a number of highly complex and subjective 
variables, such as expected volatility, risk-free interest rate and dividend yield.  To appropriately value the award, the risk-
free interest rate is estimated for the time period from the valuation date until the vesting date and the historical volatilities 
were estimated based on a historical time frame equal to the time from the valuation date until the end date of the performance 
period.  The number of TSR PSUs that will ultimately vest is based on the percentile ranking of the Company’s TSR among 
the S&P Midcap 400 Index.  The number of shares that will ultimately vest will range from 0% to 200% of the target TSR 
PSUs.

The number of shares vesting from the AROE PSUs at the end of the three-year performance period will depend on 
the Company’s Adjusted Return on Equity as measured against the targets set by the Compensation Committee annually 
during the performance period, consistent with the business plan approved by the Board.  The maximum number of AROE 
PSUs for 2016 is 95,607.  The fair value of the 2016 AROE PSUs was determined based on the closing market price of the 
Company’s common shares on the date of grant reduced by the present value of expected dividends to be paid.  The number 
of shares that will ultimately vest will range from 0% to 200% of the target AROE PSUs.

During 2016, the Company granted a target of 191,216 PSUs of which 143,414 are TSR PSUs and 47,802 are AROE 
PSUs.  The remaining 95,607 of target AROE PSUs will be considered granted upon the Compensation Committee’s setting 
the target AROE for the respective period.  The following table summarizes the activities for our unvested PSUs for 2016:

Unvested at December 31, 2015

     Granted

Unvested as of December 31, 2016

Expected to vest after December 31, 2016

Unvested Performance Stock Units

Target
Number of
Shares of
TSR PSUs

Target
Number of
Shares of
AROE PSUs

TSR PSUs
Weighted Fair
Value at Grant
Date Using a Monte
Carlo Simulation
Model ($)

AROE PSUs 
Weighted Fair 
Value Equal to 
Adjusted Closing 
Stock Price on Date 
of Grant ($)

—

143,414

143,414

143,414

— $

47,802

47,802

47,802

$

$

— $

25.07

25.07

25.07

$

$

—

19.18

19.18

19.18

F - 25

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

The Company incurred share-based compensation expense related to PSUs of $1,261 during 2016.  As of December 31, 
2016, there was $3,251 of unrecognized compensation cost related to unvested PSUs granted to certain employees that is 
expected to be recognized over a weighted-average remaining period of 2.0 years.

Under the repurchase program approved by the Company’s Board of Directors on February 9, 2016, the Company may 
purchase its common shares from time to time in the open market or in privately negotiated transactions.  During 2016, we 
repurchased 1,868,352 common shares at a total cost of $35,191, including commissions.  As of December 31, 2016, the 
remaining dollar value of common shares that may be purchased under the current repurchase program is $95,888.  We also 
repurchased 102,927 shares totaling $2,150 from our employees and directors to settle tax obligations related to share vesting.

Under the current program we have repurchased a total of 217,574 common shares at a total cost of $4,112, including 
commissions, at an average price per share of $18.90.  The remaining dollar value of common shares that may be purchased 
under the program is $95,888.

Note 9.  Dividends

The following table sets forth the quarterly dividends declared by our Board of Directors for the three years ended 

December 31, 2016:

Declaration Date

October 28, 2016

August 2, 2016

May 2, 2016

February 9, 2016

October 30, 2015

August 4, 2015

May 4, 2015

February 17, 2015

October 31, 2014

July 28, 2014

May 5, 2014

February 21, 2014

Dividend    
per
Common   
Share

Aggregate
Dividend
Amount

Record Date

Payment Date

$ 0.260

$ 20,434

November 29, 2016

December 15, 2016

$ 0.240

$ 18,872

August 26, 2016

September 15, 2016

$ 0.240

$ 18,915

May 31, 2016

June 15, 2016

$ 0.240

$ 18,915

February 29, 2016

March 15, 2016

$ 0.240

$ 19,377

November 30, 2015

December 15, 2015

$ 0.220

$ 17,860

August 31, 2015

September 15, 2015

$ 0.220

$ 17,863

May 29, 2015

June 15, 2015

$ 0.220

$ 17,860

March 6, 2015

March 13, 2015

$ 0.220

$ 17,817

November 28, 2014

December 15, 2014

$ 0.200

$ 16,201

August 29, 2014

September 12, 2014

$ 0.200

$ 16,202

May 30, 2014

June 13, 2014

$ 0.200

$ 16,201

March 7, 2014

March 14, 2014

Note 10.  Earnings Per Share

We include all common shares granted under our incentive compensation plan which remain unvested (“restricted 
common  shares”)  and  contain  non-forfeitable  rights  to  dividends  or  dividend  equivalents,  whether  paid  or  unpaid 
(“participating securities”), in the number of shares outstanding in our basic and diluted EPS calculations using the two-
class method.  All of our restricted common shares are currently participating securities.  Our PSUs are contingently issuable 
shares which are included in our diluted earnings per share calculations which do not include voting or dividend rights.

Under the two-class method, earnings per common share are computed by dividing the sum of distributed earnings 
allocated to common shareholders and undistributed earnings allocated to common shareholders by the weighted average 
number of common shares outstanding for the period.  In applying the two-class method, distributed and undistributed 
earnings are allocated to both common shares and restricted common shares based on the total weighted average shares 
outstanding during the period as follows:

F - 26

Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

Weighted-average shares:

Common shares outstanding

Restricted common shares

Total weighted-average shares

Percentage of weighted-average shares:

Common shares outstanding

Restricted common shares

Total

Year Ended December 31,

2016

2015

2014

78,161,494

80,489,391

80,389,349

653,944

615,611

588,077

78,815,438

81,105,002

80,977,426

99.17%

0.83%

99.24%

0.76%

99.27%

0.73%

100.00%

100.00%

100.00%

The calculations of both basic and diluted earnings per share for the years ended December 31, 2016, 2015 and 2014

are as follows:

Earnings per common share — Basic:

Income from continuing operations
Less: Distributed and undistributed earnings allocated to restricted common shares(1)

Income from continuing operations available to common shareholders — Basic

Weighted-average common shares outstanding — Basic

Net income per common share — Basic

Earnings per common share — Diluted:

Income from continuing operations
Less: Distributed and undistributed earnings allocated to restricted common shares(1)

Income from continuing operations available to common shareholders — Diluted

Year Ended December 31,

2016

2015

2014

151,453

(1,257)

150,196

$

$

121,729

(924)

120,805

$

$

100,828

(732)

100,096

78,161,494

80,489,391

80,389,349

1.92

$

1.50

$

1.25

151,453

(1,257)

150,196

$

$

121,729

(924)

120,805

$

$

100,828

(732)

100,096

$

$

$

$

$

Weighted-average common shares outstanding — Basic
Effect of diluted shares(2)

78,161,494

80,489,391

80,389,349

42,785

—

—

Weighted-average common shares outstanding — Diluted

78,204,279

80,489,391

80,389,349

Net income per common share — Diluted

$

1.92

$

1.50

$

1.25

 _____________

(1)  For the years ended December 31, 2016, 2015 and 2014, distributed and undistributed earnings to restricted shares was  0.83%, 0.76% and 0.73%, respectively, 
of net income. The amount of restricted share forfeitures for all periods present was immaterial to the allocation of distributed and undistributed earnings.

(2)  For  the  year  ended  December  31,  2016,  dilutive  shares  represented  contingently  issuable  shares  related  to  the  Company's  PSUs.    For  the  years  ended 

December 31, 2015 and 2014, we had 0 and 0 dilutive shares, respectively.

Note 11.  Income Taxes

Income  taxes  have  been  provided  for  based  upon  the  tax  laws  and  rates  in  countries  in  which  our  operations  are 
conducted and income is earned.  The Company received an assurance from the Bermuda Minister of Finance that it would 
be exempted from local income, withholding and capital gains taxes until March 2035.  Consequently, the provision for 
income taxes relates to income earned by certain subsidiaries of the Company which are located in, or earn income in, 
jurisdictions that impose income taxes, primarily Ireland, Singapore and the United States.

F - 27

 
  
 
  
Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

The sources of income from continuing operations before income taxes and earnings of unconsolidated equity method 

investment for the years ended December 31, 2016, 2015 and 2014 were as follows:

U.S. operations

Non-U.S. operations

Income from continuing operations before income taxes and earnings of unconsolidated
equity method investment

Year Ended December 31,

2016

2015

2014

2,230

$

2,433

$

2,047

154,275

125,810

109,590

156,505

$

128,243

$

111,637

$

$

The components of the income tax provision from continuing operations for the year ended December 31, 2016, 2015

and 2014 consisted of the following:

Current:

United States:

Federal

State

Non-U.S

Current income tax provision

Deferred:

United States:

Federal

State

Non-U.S

Deferred income tax provision (benefit)

Total

Year Ended December 31,

2016

2015

2014

$

2,004

$

4,167

$

587

3,560

6,151

1,350

(157)

4,963

6,156

994

14,499

19,660

829

57

(7,775)

(6,889)

1,571

390

9,040

11,001

2,335

932

(405)

2,862

$

12,307

$

12,771

$

13,863

Significant components of the Company’s deferred tax assets and liabilities at December 31, 2016, 2015 and 2014

consisted of the following:

Deferred tax assets:

Non-cash share-based payments

Net operating loss carry forwards

Other

Total deferred tax assets

Deferred tax liabilities:

Accelerated depreciation

Other

Total deferred tax liabilities

Net deferred tax liabilities

Year Ended December 31,

2016

2015

2014

$

2,183

$

1,483

$

47,538

1,902

51,623

(92,734)

(1,227)

(93,961)

52,007

761

54,251

(87,716)

(442)

(88,158)

1,106

42,900

375

44,381

(79,360)

(1,795)

(81,155)

$

(42,338) $

(33,907) $

(36,774)

The Company had approximately $40,072 of net operating loss (“NOL”) carry forwards available at December 31, 
2016 to offset future taxable income subject to U.S. graduated tax rates.  If not utilized, these carry forwards expire between 
2031 through 2036.  The Company also had NOL carry forwards of $471,531 with no expiration date to offset future Irish, 
Mauritius and Singapore taxable income.  We have a five-year Singapore corporate tax rate reduction from 17% to 10%
through June 30, 2017.  The cumulative net tax benefit derived from this rate reduction through December 31, 2016 is 

F - 28

 
 
 
 
 
 
Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

approximately $5,330, or $0.07 per diluted common share.  Deferred tax assets and liabilities are included in Other assets 
and Accounts payable and accrued liabilities, respectively, in the accompanying Consolidated Balance Sheets.

We do not expect to incur income taxes on future distributions of undistributed earnings of non-U.S. subsidiaries and 
accordingly, no deferred income taxes have been provided for the distributions of such earnings.  As of December 31, 2016
we  have  elected  to  permanently  reinvest  our  accumulated  undistributed  U.S. earnings  of  $10,899.    Accordingly,  no 
U.S. withholding taxes have been provided.  Withholding tax of $3,270 would be due if such earnings were remitted.

All  of  our  aircraft-owning  subsidiaries  that  are  recognized  as  corporations  for  U.S. tax  purposes  are  non-
U.S. corporations.  These non-U.S. subsidiaries generally earn income from sources outside the United States and typically 
are not subject to U.S. federal, state or local income taxes unless they operate within the U.S., in which case they may be 
subject to federal, state and local income taxes.   The aircraft owning subsidiaries resident in Ireland, Mauritius and Singapore 
are subject to tax in those respective jurisdictions.

We have a U.S-based subsidiary which provides management services to our non-U.S. subsidiaries and is subject to 
U.S. federal, state and local income taxes.  We also have Ireland and Singapore based subsidiaries which provide management 
services to our non-U.S. subsidiaries and are subject to tax in those respective jurisdictions.

Differences between statutory income tax rates and our effective income tax rates applied to pre-tax income from 

continuing operations at December 31, 2016, 2015 and 2014 consisted of the following:

Notional U.S. federal income tax expense at the statutory rate:

U.S. state and local income tax, net

Non-U.S. operations:

Bermuda

Ireland

Singapore

Other low tax jurisdictions

Non-deductible expenses in the U.S.

Other

Provision for income taxes

Year Ended December 31,

2016

2015

2014

$

54,777

$

44,885

$

39,073

182

221

189

(31,250)

(20,789)

(12,424)

(276)

(7,519)

(3,877)

525

(255)

(3,073)

(5,650)

(3,395)

737

(165)

(4,732)

(5,529)

(2,890)

644

(468)

$

12,307

$

12,771

$

13,863

The Company recognizes the tax benefit from an uncertain tax position only if it is more likely than not that the tax 

position will be sustained on examination by the taxing authorities.  We did not have any unrecognized tax benefits.

We conduct business globally and, as a result, the Company and its subsidiaries or branches are subject to foreign, 
U.S. federal and various state and local income taxes, as well as withholding taxes.  In the normal course of business the 
Company is subject to examination by taxing authorities throughout the world, including such major jurisdictions as Ireland 
and the United States.  With few exceptions, the Company and its subsidiaries or branches remain subject to examination 
for all periods since inception.

Our policy is that we will recognize interest and penalties accrued on any unrecognized tax benefits as a component 
of income tax expense.  We did not accrue interest or penalties associated with any unrecognized tax benefits, nor was any 
interest expense or penalty recognized during the year.

F - 29

 
 
Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

Note 12.  Interest, Net

The following table shows the components of interest, net for the years ended December 31, 2016, 2015 and 2014:

Interest on borrowings, net settlements on interest rate derivatives, and other liabilities(1)
Hedge ineffectiveness losses

Amortization of deferred losses related to interest rate derivatives
Amortization of deferred financing fees and debt discount(2)

Interest expense

Less: Interest income

Less: Capitalized interest

Interest, net

______________

Year Ended December 31,

2016

2015

2014

$

228,774

$

204,326

$

189,135

—

9,662

18,508

256,944

(1,140)

(144)

455

24,023

14,878

738

34,979

13,961

243,682

238,813

(105)

—

(435)

—

$

255,660

$

243,577

$

238,378

(1) 

(2) 

Includes $4,960 in loan termination fees related to the sale of two aircraft during the year ended December 31, 2016.

Includes $2,880 in deferred financing fees written off related to the sale of two aircraft during the year ended December 31, 2016.

Note 13.  Commitments and Contingencies

Rent expense, primarily for the corporate office and sales and marketing facilities, was approximately $1,951, $1,163

and $1,150 for the years ended December 31, 2016, 2015 and 2014, respectively.

As of December 31, 2016, Aircastle is obligated under non-cancelable operating leases relating principally to office 

facilities in Stamford, Connecticut; Dublin, Ireland; and Singapore for future minimum lease payments as follows:

Year Ending December 31,

2017

2018

2019

2020

2021

Thereafter

Total

Amount

$

1,205

469

374

209

209

942

$

3,408

At December 31, 2016, we had commitments to acquire 28 aircraft for $1,081,228, including 25 Embraer E-2 aircraft.  

In January 2017, we amended our contract with Embraer to reschedule some of the aircraft delivery dates.

Commitments, including $135,576 of progress payments, contractual price escalations and other adjustments, for these 

aircraft at December 31, 2016, net of amounts already paid are as follows:

Year Ending December 31,

2017

2018

2019

2020

2021

Thereafter

Total

As of February 7, 2017, we have commitments to acquire 28 aircraft for $1,081,228.

F - 30

$

Amount

170,252

258,179

293,756

216,847

142,194

—

$

1,081,228

 
 
Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

Note 14.  Other Assets

The following table describes the principal components of other assets on our Consolidated Balance Sheets as of:

Deferred income tax asset

Lease incentives and premiums, net of amortization of $39,638 and $31,623, respectively

Flight equipment held for sale
Other assets(1)

Total other assets

_____________

December 31,

2016

2015

$

1,902

$

96,587

3,834

46,075

1,362

86,874

12,901

22,570

$

148,398

$

123,707

(1)  In September 2016, we purchased an interest rate cap for $2,283 to hedge approximately 70% of our floating rate interest exposure.  The interest rate cap 

is set at 2% and has a starting notional balance of $430,000 and reduces over time to $215,000.  The cap matures in September 2021.  The fair value of the 
interest rate cap was $5,735 at December 31, 2016.

Note 15.  Accounts Payable, Accrued Expenses and Other Liabilities

The following table describes the principal components of accounts payable, accrued expenses and other liabilities 

recorded on our Consolidated Balance Sheets as of:

December 31,

2016

2015

Accounts payable and accrued expenses

Deferred income tax liability

Accrued interest payable

Lease discounts, net of amortization of $29,016 and $19,403, respectively

Fair value of derivative liabilities

$

24,337

$

44,241

43,107

15,842

—

Total accounts payable, accrued expenses and other liabilities

$

127,527

$

34,457

35,269

37,606

22,443

1,283
131,058  

Note 16.  Accumulated Other Comprehensive Loss

The following table describes the principal components of accumulated other comprehensive loss recorded on our 

Consolidated Balance Sheets as of:

Changes in accumulated other comprehensive loss by component(1)

Beginning balance

Year Ended December 31,

2016

2015

$

(13,213)

$

(38,460)

Amount recognized in other comprehensive loss on derivatives, net of tax expense of $0 and $14, 
    respectively
Amounts reclassified from accumulated other comprehensive loss into income, net of tax expense 
    of $0 and $21, respectively

Net current period other comprehensive income

(690)

(2,113)

10,351

9,661

27,360

25,247

Ending balance

$

(3,552)

$

(13,213)

(1)  All amounts are net of tax.  Amounts in parentheses indicate debits.

F - 31

 
 
 
 
 
 
Aircastle Limited and Subsidiaries
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share amounts)

Reclassifications from accumulated other comprehensive loss(1)

Losses on cash flow hedges

Year Ended December 31,

2016

2015

Amount of effective amortization of net deferred interest rate derivative losses(2)
Effective amount of net settlements of interest rate derivatives, net of tax expense of $0 and $21, 
respectively(2)

Amount of loss reclassified from accumulated other comprehensive loss into income

$

$

9,662

$

24,023

689

10,351

$

3,337

27,360

(1)  All amounts are net of tax.

(2)  Included in interest expense.

At December 31, 2016, the amount of deferred net loss expected to be reclassified from OCI into interest expense over 

the next twelve months related to our terminated interest rate derivatives is $2,202.

Note 17.  Quarterly Financial Data (Unaudited)

Quarterly results of our operations for the years ended December 31, 2016 and 2015 are summarized below:

2016

Revenues

Net income

Basic earnings per share:

Net income

Diluted earnings per share:

Net income

2015

Revenues

Net income (loss)

Basic earnings (loss) per share:

Net income (loss)

Diluted earnings (loss) per share:

Net income (loss)

Fourth
Quarter

Third
Quarter

Second
Quarter

First
Quarter

$

$

$

$

$

$

$

$

204,653

67,724

0.86

0.86

208,267

50,641

0.63

0.63

$

$

$

$

$

$

$

$

194,652

27,437

0.35

0.35

212,074

(13,989)

$

$

$

$

$

$

189,988

20,030

0.25

0.25

204,565

41,808

(0.17)

$

0.51

(0.17)

$

0.51

$

$

$

$

$

$

$

$

183,665

36,262

0.46

0.46

194,296

43,269

0.53

0.53

The sum of the quarterly earnings (loss) per share amounts may not equal the annual amount reported since per share 

amounts are computed independently for each period presented.

F - 32

   
 
SIGNATURES

Pursuant to the requirements of Section 13 of the Securities Exchange Act of 1934, Aircastle Limited has duly caused this 

report to be signed on its behalf by the undersigned, thereunto duly authorized.

Dated: February 14, 2017 

Aircastle Limited
By:

/s/    Michael Inglese
Michael Inglese
Chief Financial Officer and Acting Chief Executive
Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following 

persons on behalf of Aircastle Limited and in the capacities and on the date indicated. 

SIGNATURE

*
Ron Wainshal

/s/    Michael Inglese
Michael Inglese

/s/    Aaron Dahlke
Aaron Dahlke

/s/    Peter V. Ueberroth
Peter V. Ueberroth

/s/    Ronald W. Allen
Ronald W. Allen

/s/    Giovanni Bisignani
Giovanni Bisignani

/s/ Michael J. Cave
Michael J. Cave

/s/    Douglas A. Hacker
Douglas A. Hacker

/s/    Ryusuke Konto
Ryusuke Konto

/s/    Yukihiko Matsumura
Yukihiko Matsumura

/s/    Ronald L. Merriman
Ronald L. Merriman

/s/    Agnes Mura
Agnes Mura

/s/    Charles W. Pollard
Charles W. Pollard

/s/    Gentaro Toya
Gentaro Toya

* Currently on a medical leave of absence.

TITLE

DATE

Chief Executive Officer and Director

Chief Financial Officer and Acting
Chief Executive Officer

February 14, 2017

Chief Accounting Officer

February 14, 2017

Chairman of the Board

February 14, 2017

February 14, 2017

February 14, 2017

February 14, 2017

February 14, 2017

February 14, 2017

February 14, 2017

February 14, 2017

February 14, 2017

February 14, 2017

February 14, 2017

Director

Director

Director

Director

Director

Director

Director

Director

Director

Director

S - 1

AIRCASTLE LIMITED
COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES
(Dollars in thousands)

Exhibit 12.1

Fixed Charges:
Interest expense

Capitalized interest

Portion of rent expense representative of interest

Total fixed charges

Earnings:
Income from continuing operations before income taxes

Fixed charges from above

Less capitalized interest from above

Amortization of capitalized interest

Earnings (as defined)

Ratio of earnings to fixed charges

Year Ended December 31,

2016

2015

2014

$

255,660   

$

243,577   

$

238,378

144

638   

—

376   

—

372

$

256,442   

$

243,953   

$

238,750

$

156,505   

$

128,243   

$

111,637

256,442   

243,952   

238,750

(144)

532   

—

800   

—

800

$

413,335   

$

372,995   

$

351,187

1.61 x 

1.53 x 

1.47 x 

 
 
 
 
 
Subsidiaries of Aircastle Limited
As of December 31, 2016

   Name of Subsidiary

ACS 2007-1 Limited
ACS 2008-1 Limited
ACS 2008-2 Limited
ACS 2016 Funding (Bermuda) Limited
ACS 2016 Funding (Ireland) Limited
ACS Aircraft Finance Bermuda Limited
ACS Aircraft Finance Ireland 2 Limited
ACS Aircraft Finance Ireland 3 Limited
ACS Aircraft Leasing (Ireland) Limited
AHCL Two Limited
AHCL Luxembourg Finance Company
AYR Bermuda Limited
AYR Delaware LLC
AYR Freighter LLC
Aircastle Advisor Asia Pacific Limited
Aircastle Advisor (International) Limited
Aircastle Advisor (Ireland) Limited
Aircastle Advisor LLC
Aircastle Bermuda Securities Limited
Aircastle Holding Corporation Limited
Aircastle Investment Holdings 2 Limited
Aircastle Investment Holdings 3 Limited
Aircastle Singapore Pte. Limited
Aircraft MSN 313 LLC
Aircraft MSN 1006 LLC
Aircraft MSN 1012 LLC
Aircraft MSN 1054 LLC
Aircraft MSN 1055 LLC
Aircraft MSN 1364 LLC
Aircraft MSN 1411 LLC
Aircraft MSN 1481 LLC
Aircraft MSN 1596 LLC
Aircraft MSN 1673 LLC
Aircraft MSN 1742 LLC
Aircraft MSN 1780 LLC
Aircraft MSN 1793 LLC
Aircraft MSN 1809 LLC
Aircraft MSN 2104 LLC
Aircraft MSN 2220 LLC
Aircraft MSN 2248 LLC
Aircraft MSN 2311 LLC
Aircraft MSN 2357 LLC
Aircraft MSN 2381 LLC
Aircraft MSN 2391 LLC

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44

Exhibit 21.1

Jurisdiction
Bermuda
Bermuda
Bermuda
Bermuda
Ireland
Bermuda
Ireland
Ireland
Ireland
Bermuda
Grand Duchy of Luxembourg
Bermuda
Delaware
Delaware
Bermuda
Bermuda
Ireland
Delaware
Bermuda
Bermuda
Bermuda
Bermuda
Singapore
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware

 
  
     Name of Subsidiary

45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93

Aircraft MSN 2472 LLC
Aircraft MSN 2488 LLC
Aircraft MSN 2495 LLC
Aircraft MSN 2563 LLC
Aircraft MSN 2565 LLC
Aircraft MSN 2578 LLC
Aircraft MSN 2605 LLC
Aircraft MSN 2636 LLC
Aircraft MSN 2646 LLC
Aircraft MSN 2677 LLC
Aircraft MSN 2691 LLC
Aircraft MSN 2715 LLC
Aircraft MSN 2742 LLC
Aircraft MSN 2792 LLC
Aircraft MSN 2822 LLC
Aircraft MSN 2956 LLC
Aircraft MSN 3157 LLC
Aircraft MSN 3277 LLC
Aircraft MSN 3338 LLC
Aircraft MSN 3421 LLC
Aircraft MSN 3458 LLC
Aircraft MSN 3524 LLC
Aircraft MSN 3543 LLC
Aircraft MSN 3911 LLC
Aircraft MSN 4070 LLC
Aircraft MSN 4077 LLC
Aircraft MSN 4088 LLC
Aircraft MSN 7160 LLC
Aircraft MSN 7206 LLC
Aircraft MSN 7375 LLC
Aircraft MSN 24066 LLC
Aircraft MSN 24226 LLC
Aircraft MSN 25702-2 LLC
Aircraft MSN 27137 LLC
Aircraft MSN 28231 LLC
Aircraft MSN 28626 LLC
Aircraft MSN 29345 LLC
Aircraft MSN 29368 LLC
Aircraft MSN 29918 LLC
Aircraft MSN 29920 LLC
Aircraft MSN 29927 LLC
Aircraft MSN 29930 LLC
Aircraft MSN 30295 LLC
Aircraft MSN 30673 LLC
Aircraft MSN 30687 LLC
Aircraft MSN 30695 LLC
Aircraft MSN 30702 LLC
Aircraft MSN 30710 LLC
Aircraft MSN 30877 LLC

Jurisdiction
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware

  
Name of Subsidiary
Aircraft MSN 32457 LLC
Aircraft MSN 32704 LLC
Aircraft MSN 32705 LLC
Aircraft MSN 33597 LLC
Aircraft MSN 34409 LLC
Aircraft MSN 34690 LLC
Aircraft MSN 35082 LLC
Aircraft MSN 35083 LLC
Aircraft MSN 35093 LLC
Aircraft MSN 35134 LLC
Aircraft MSN 35233 LLC
Aircraft MSN 35235 LLC
Aircraft MSN 35236 LLC
Aircraft MSN 35237 LLC
Aircraft MSN 35256 LLC
Aircraft MSN 35299 LLC
Aircraft MSN 35679 LLC
Aircraft MSN 35680 LLC
Aircraft MSN 36826 LLC
Aircraft MSN 36829 LLC
Aircraft MSN 38683 LLC
Aircraft MSN 38686 LLC
Aircraft MSN 40713 LLC
Aircraft MSN 41522 LLC
Aircraft MSN 19000449 LLC
Aircraft MSN 19000458 LLC
Aircraft MSN 19000484 LLC
Aircraft MSN 19000575 LLC
Aircraft MSN 19000588 LLC
ALC B377 33103, LLC
ALC B378 33104, LLC
ALC B378 34242, LLC
Anfield Funding Limited
Brisbane Aircraft Leasing (UK) Limited
Constellation Aircraft Leasing (France) SARL
Constitution Aircraft Leasing (Ireland) 3 Limited
Constitution Aircraft Leasing (Ireland) 4 Limited
Constitution Aircraft Leasing (Ireland) 5 Limited
Constitution Aircraft Leasing (Ireland) 9 Limited
Constitution Aircraft Leasing (Ireland) 10 Limited
Constitution Aircraft Leasing (Ireland) 1086 Limited
Delphie Aircraft Leasing Limited
Dolphin Leasing (Ireland) Limited
Dunvegan Aircraft Leasing (Ireland) Limited
Emer Aircraft Leasing (Ireland) Limited
Endeavor Aircraft Leasing (Sweden) AB
Endeavor Aircraft Leasing (Sweden) 2 AB
Endeavor Aircraft Leasing (Sweden) 3 AB
Enterprise Aircraft Leasing (France) SARL

94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142

Jurisdiction
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Delaware
Bermuda
United Kingdom
France
Ireland
Ireland
Ireland
Ireland
Ireland
Ireland
Bermuda
Ireland
Ireland
Ireland
Sweden
Sweden
Sweden
France

Name of Subsidiary
Gold Coast Aircraft Leasing (France) Sarl
Grayston Aircraft Leasing Limited
Haneda Aircraft Leasing (Norway) AS
Intrepid Aircraft Leasing (France) SARL
Jakarta Aircraft Leasing (Ireland) Limited
Java Aircraft Leasing (France) SARL
Kale Aircraft Leasing (Ireland) Limited
Kelsterbach Aircraft Leasing (Ireland) Limited
Klaatu Aircraft Leasing (Ireland) Limited
Koala Aircraft Leasing (Ireland) Limited
Macleod Aircraft Leasing (Labuan) Limited
Macstay Aircraft Leasing Limited
Marrow Aircraft Leasing (Ireland) Limited
Medan Aircraft Leasing (Ireland) Limited
Melbourne Aircraft Leasing (UK) Limited
Merdeka Aircraft Leasing (Labuan) Limited
Momo Aircraft Leasing Limited
Orchard Aviation (41521) Pte. Ltd.
Orchard Aviation (A330) Pte. Ltd.
Orchard Aviation 41522 (UK) Limited
Penguin Leasing (Ireland) Limited
Perdana Aircraft Leasing (Labuan) Limited
Platypus Aircraft Leasing (Ireland) Limited
Salmon Aircraft Leasing (Ireland) Limited
Sulaco Aircraft Leasing (Ireland) Limited
Sumatra Aircraft Leasing (France) Sarl
Tempelhof Aircraft Leasing (Ireland) Limited
Thunderbird 1 Leasing Limited
Thunderbird 2 Leasing Limited
Thunderbird 3 Leasing Limited
Thunderbird 4 Leasing Limited
Tormina Holding Limited
Trojan Aircraft Leasing (France) SARL
Zebra Aircraft Leasing Limited
Zephyr Aircraft Leasing B.V.

143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177

Jurisdiction
France
Cayman Islands
Norway
France
Ireland
France
Ireland
Ireland
Ireland
Ireland
Labuan
Bermuda
Ireland
Ireland
United Kingdom
Labuan
Bermuda
Singapore
Singapore
United Kingdom
Ireland
Labuan
Ireland
Ireland
Ireland
France
Ireland
Mauritius
Mauritius
Mauritius
Mauritius

                                    Ireland

France
Cayman Islands
The Netherlands

Consent of Independent Registered Public Accounting Firm

We consent to the incorporation by reference in the Registration Statement (Form S-3 No. 333-203910) of Aircastle Limited 
and in the related Prospectus and the Registration Statement (Form S-8 No. 333-196234) pertaining to the 2014 Omnibus 
Incentive  Plan  of Aircastle  Limited  of  our  reports  dated  February  14,  2017,  with  respect  to  the  consolidated  financial 
statements of Aircastle Limited and the effectiveness of internal control over financial reporting of Aircastle Limited, included 
in this Annual Report (Form 10-K) for the year ended December 31, 2016.

Exhibit 23.1

/s/    Ernst & Young LLP
Stamford, Connecticut
February 14, 2017

Exhibit 31.1

CERTIFICATION OF CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFICER
PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Michael Inglese, certify that:

1. 

2. 

3. 

4. 

I have reviewed this annual report on Form 10-K of Aircastle Limited;

Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a 
material fact necessary to make the statements made, in light of the circumstances under which such statements 
were made, not misleading with respect to the period covered by this report;

Based on my knowledge, the financial statements, and other financial information included in this report, fairly 
present in all material respects the financial condition, results of operations and cash flows of the registrant as of, 
and for, the periods presented in this report;

The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls 
and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial 
reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a. 

b. 

c. 

d. 

Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to 
be designed under our supervision, to ensure that material information relating to the registrant, including 
its consolidated subsidiaries, is made known to us by others within those entities, particularly during the 
period in which this report is being prepared;

Designed  such  internal  control  over  financial  reporting,  or  caused  such  internal  control  over  financial 
reporting to be designed under our supervision, 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;

Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this 
report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of 
the period covered by this report based on such evaluation; and

Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred 
during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an 
annual  report)  that  has  materially  affected,  or  is  reasonably  likely  to  materially  affect,  the  registrant’s 
internal control over financial reporting; and

5. 

The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control 
over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors 
(or persons performing the equivalent functions):

a. 

b. 

All significant deficiencies and material weaknesses in the design or operation of internal control over 
financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, 
summarize and report financial information; and

Any fraud, whether or not material, that involves management or other employees who have a significant 
role in the registrant’s internal control over financial reporting.

Date:  February 14, 2017 

/s/  Michael Inglese
Michael Inglese
Chief Financial Officer and Acting Chief Executive Officer

CERTIFICATION
OF
CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFICER
PURSUANT TO
18 U.S.C. SECTION 1350, AS ADOPTED
PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.1

In connection with the Annual Report on Form 10-K of Aircastle Limited (the “Company”) for the fiscal year ended 
December 31, 2016, as filed with the Securities and Exchange Commission (the "SEC")on the date hereof (the “Report”), I, 
Michael Inglese, as Chief Financial Officer and Acting Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. 
§ 1350, as adopted pursuant to § 906 of the Sarbanes-Oxley Act of 2002 ("Section 906"), that:

(1)  The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)  The information contained in the Report fairly presents, in all material respects, the financial condition and results 

of operations of the Company.

A signed original of this written statement required by Section 906 has been provided to the Company and will be 

retained by the Company and furnished to the SEC or its staff upon request.

/s/  Michael Inglese
Michael Inglese
Chief Financial Officer and Acting Chief Executive Officer
Date:  February 14, 2017

Owned Aircraft Portfolio at December 31, 2016 is as follows:

Exhibit 99.1

Aircraft Group

Narrow-body Aircraft

Aircraft Type

Engine Type

Manufacturer
Serial Number

Date of
Manufacture

Financing

A319-100 CFM56-5B6/P

A319-100 CFM56-5B6/P

A319-100 CFM56-5B6/P

A319-100 CFM56-5B6/P

A319-100 CFM56-5B5/P

A319-100 CFM56-5B5/P

A319-100 CFM56-5B5/P

A319-100 CFM56-5B5/P

A319-100 CFM56-5B5/P

A319-100 CFM56-5B5/P

A319-100 CFM56-5B5/P

A319-100 CFM56-5B5/P

A319-100 CFM56-5B5/P

A319-100 CFM56-5B5/P

A319-100 CFM56-5B5/P

A319-100 V2524-A5

A320-200 CFM56-5B4/P

A320-200 V2527-A5

A320-200 CFM56-5B4/P

A320-200 CFM56-5B4/3

A320-200 CFM56-5B4/P

A320-200 CFM56-5B4/P

A320-200 CFM56-5B4/P

A320-200 CFM56-5B4/P

A320-200 CFM56-5B4/P

A320-200 CFM56-5B4/P

A320-200 CFM56-5B4/P

A320-200 CFM56-5B4/P

A320-200 CFM56-5B4/P

A320-200 V2527-A5

A320-200 V2527-A5

A320-200 V2527-A5

A320-200 CFM56-5B4/P

A320-200 CFM56-5B4/P

A320-200 CFM56-5B6/P

A320-200 V2527-A5

A320-200 CFM56-5B6/P

A320-200 CFM56-5B4/P

A320-200 CFM56-5B4/P

A320-200 CFM56-5B4/P

A320-200 CFM56-5B6/P

A320-200 CFM56-5B6/3

A320-200 CFM56-5B6/3

1136

1155

1673

1742

2311

2495

2565

2578

2605

2636

2646

2677

2691

2715

2742

3421

967

990

1041

1054

1370

1757

1780

1793

1809

2048

2104

2248

2391

2401

2524

2564

2792

2822

2956

2982

3080

3093

3121

3157

3178

3213

3277

Dec-99

Jan-00

Feb-02

May-02

Feb-05

May-05

Sep-05

Sep-05

Nov-05

Dec-05

Jan-06

Jan-06

Feb-06

Mar-06

Apr-06

Mar-08

Apr-99

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

May-99

Unencumbered

Jul-99

Aug-99

Jan-01

May-02

May-02

Mar-04

Mar-04

Jul-03

Apr-05

Apr-05

Apr-05

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Mar-05

Unencumbered

Sep-05

Oct-05

Jun-06

Jul-06

Nov-06

Dec-06

Apr-07

Apr-07

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Bank Financing

May-07

Bank Financing

Jun-07

Jul-07

Sep-07

Oct-07

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Aircraft Group

Aircraft Type

Engine Type

Narrow-body Aircraft (Continued)

A320-200 CFM56-5B6/3

A320-200 CFM56-5B6/3

A320-200 CFM56-5B4/3

A320-200 CFM56-5B6/3

A320-200 CFM56-5B6/3

A320-200 CFM56-5B6/3

A320-200 CFM56-5B6/3

A320-200 V2527-A5

A320-200 CFM56-5B6/3

A320-200 V2527-A5

A320-200 V2527-A5

A320-200 CFM56-5B6/3

A320-200 V2527-A5

A320-200 CFM56-5B6/3

A320-200 V2527-A5

A320-200 V2527-A5

A320-200 V2527-A5

A320-200 CFM56-5B4/3

A320-200 CFM56-5B4/3

A320-200 CFM56-5B4/3

A320-200 CFM56-5B4/3

A320-200 CFM56-5B4/3

A320-200 CFM56-5B4/3

A320-200 CFM56-5B4/3

A320-200 CFM56-5B4/3

A320-200 CFM56-5B4/3

A320-200 CFM56-5B4/3

A320-200 CFM56-5B4/3

A320-200 CFM56-5B4/3

A321-200 CFM56-5B3/2P

A321-200 CFM56-5B3/P

A321-200 CFM56-5B3/P

A321-200 CFM56-5B3/P

A321-200 CFM56-5B3/P

A321-200 CFM56-5B3/P

A321-200 V2533-A5

A321-200 V2533-A5

A321-200 V2533-A5

737-700 CFM56-7B22

737-700 CFM56-7B22

737-700 CFM56-7B22

737-700 CFM56-7B22

737-700 CFM56-7B22

737-700 CFM56-7B22

737-700 CFM56-7B26

737-700 CFM56-7B26

737-700 CFM56-7B24

737-700 CFM56-7B24

Manufacturer
Serial Number

Date of
Manufacture

Financing

3295

3338

3383

3464

3482

3502

3515

3524

3532

3543

4008

4070

4077

4088

4113

4156

4312

6139

6173

6528

6536

6561

6598

6634

6800

6806

6813

7050

7223

1012

2220

2357

2381

2488

2563

3458

7206

7375

28008

28009

28010

28013

28015

29356

30687

30710

32881

33103

Nov-07

Dec-07

Jan-08

Apr-08

Apr-08

Jun-08

Jun-08

Jun-08

Jun-08

Jul-08

Aug-09

Oct-09

Nov-09

Nov-09

Nov-09

Dec-09

Unencumbered

Bank Financing

Unencumbered

Unencumbered

Unencumbered

Bank Financing

Bank Financing

Unencumbered

Bank Financing

Unencumbered

Unencumbered

Bank Financing

Bank Financing

Bank Financing

Unencumbered

Unencumbered

May-10

Unencumbered

Oct-14

Oct-14

Mar-15

Mar-15

Apr-15

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

May-15

Unencumbered

Jun-15

Oct-15

Nov-15

Nov-15

Apr-16

Jul-16

Apr-99

May-04

Dec-04

Feb-05

Jun-05

Oct-05

Apr-08

Jul-16

Oct-16

Feb-99

Unencumbered

Bank Financing

Bank Financing

Bank Financing

Bank Financing

Bank Financing

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Bank Financing

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Mar-99

Unencumbered

Oct-99

Oct-00

Feb-01

Oct-04

Apr-07

Feb-07

Jun-02

Jun-02

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Bank Financing

Unencumbered

Unencumbered

Aircraft Group

Aircraft Type

Engine Type

Manufacturer
Serial Number

Date of
Manufacture

Financing

Narrow-body Aircraft (Continued)

737-800 CFM56-7B27

737-800 CFM56-7B26
737-800 CFM56-7B26

737-800 CFM56-7B26

737-800 CFM56-7B26

737-800 CFM56-7B26

737-800 CFM56-7B27

737-800 CFM56-7B26

737-800 CFM56-7B26

737-800 CFM56-7B26

737-800 CFM56-7B24

737-800 CFM56-7B24

737-800 CFM56-7B27

737-800 CFM56-7B24

737-800 CFM56-7B27

737-800 CFM56-7B26

737-800 CFM56-7B27

737-800 CFM56-7B27

737-800 CFM56-7B27

737-800 CFM56-7B26

737-800 CFM56-7B26

737-800 CFM56-7B24

737-800 CFM56-7B26

737-800 CFM56-7B26

737-800 CFM56-7B26

737-800 CFM56-7B26

737-800 CFM56-7B26

737-800 CFM56-7B26/3

737-800 CFM56-7B26/3

737-800 CFM56-7B26

737-800 CFM56-7B26/3

737-800 CFM56-7B27

737-800 CFM56-7B26/3

737-800 CFM56-7B27

737-800 CFM56-7B26E

737-800 CFM56-7B26E

737-800 CFM56-7B24E

737-800 CFM56-7B24E

737-800 CFM56-7B24E

737-800 CFM56-7B26/3

737-800 CFM56-7B26E

737-800 CFM56-7B26E

737-800 CFM56-7B26E

737-800 CFM56-7B24E

737-800 CFM56-7B24E

737-900 CFM56-7B26

28231

28381
28384

28626

29036

29037

29345

29368

29918

29920

29927

29930

30296

30410

30673

30695

30824

30877

32796

33104

33453

33597

34000

34242

34690

34799

34800

35082

35083

35093

35099

35103

35106

35134

36826

36829

38686

39859

39864

40713

40744

40745

40998

41179

41398

30412

May-00

May-99
Nov-99

Jul-00

Dec-98

Jan-99

May-02

Mar-06

Jun-99

Sep-99

Dec-00

Jan-01

Feb-05

Oct-02

Unencumbered

Unencumbered
Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

May-04

Unencumbered

Mar-06

Mar-05

Mar-01

Feb-03

Jun-03

Jul-05

Sep-06

Aug-05

Mar-05

Feb-07

Sep-06

Oct-06

Mar-08

Mar-08

Feb-07

Nov-07

Nov-06

Mar-08

Jan-07

Sep-11

Oct-11

Jan-13

Jul-15

Sep-15

Dec-10

Unencumbered

Bank Financing

Unencumbered

Unencumbered

Unencumbered

Bank Financing

Unencumbered

Bank Financing

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Bank Financing

Unencumbered

Unencumbered

Bank Financing

Bank Financing

Unencumbered

Unencumbered

Bank Financing

Unencumbered

May-16

Unencumbered

Aug-16

Nov-11

Feb-16

May-14

May-03

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Aircraft Group

Aircraft Type

Engine Type

Narrow-body Aircraft (Continued)

737-900ER CFM56-7B26/3

Classic Narrow-body Aircraft

Wide-body Aircraft

737-900ER CFM56-7B26/3

737-900ER CFM56-7B26/3

737-900ER CFM56-7B26/3

737-900ER CFM56-7B26E

737-900ER CFM56-7B26E

737-900ER CFM56-7B26E

E195 CF34-10E6

E195 CF34-10E6

E195 CF34-10E6

E195 CF34-10E7

E195 CF34-10E7

757-200 RB211-535E4

757-200 RB211-535E4

757-200 RB211-535E4

757-200 RB211-535E4

757-200 RB211-535E4

757-200 RB211-535E4

A330-200 Trent 772B-60

A330-200 PW4168A

A330-200 PW4168A

A330-200 Trent 772B-60

A330-200 CF6-80E1A3

A330-200 CF6-80E1A3

A330-200 Trent 772B-60

A330-200 Trent 772B-60

A330-200 Trent 772B-60

A330-200 Trent 772B-60

A330-200 Trent 772B-60

A330-200 Trent 772B-60

A330-200 Trent 772B-60

A330-200 Trent 772B-60

A330-300 Trent 772B-60

A330-300 Trent 772B-60

A330-300 Trent 772B-60

A330-300 Trent 772B-60

A330-300 PW4168A

A330-300 Trent 772B-60

A330-300 Trent 772B-60

A330-300 Trent 772B-60

777-200ER GE90-94B

777-300ER GE90-115B

777-300ER GE90-115B

777-300ER GE90-115B

777-300ER GE90-115B

Manufacturer
Serial Number

Date of
Manufacture

Financing

35679

35680

35720

35721

37286

38302

38683

449

458

484

575

588

27201

27244

27245

27805

27806

27807

313

324

343

526

587

634

1073

1191

1210

1223

1236

1364

1474

1492

997

1006

1012

1015

1055

1411

1481

1596

32705

35256

35299

38886

38888

Apr-07

Unencumbered

May-07

Unencumbered

Dec-08

Unencumbered

Feb-09

Oct-11

Aug-11

Nov-12

Jul-11

Jul-11

Oct-11

Sep-12

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Dec-12

Unencumbered

Mar-94

Mar-94

Jul-94

Jan-95

Jan-95

Feb-95

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Jan-00

Unencumbered

May-00

Unencumbered

Jun-00

Apr-03

Apr-04

Nov-04

Dec-09

Feb-11

Mar-11

Unencumbered

Unencumbered

Unencumbered

Unencumbered

ECA Financing

ECA Financing

ECA Financing

May-11

ECA Financing

Jul-11

Nov-12

Dec-13

Oct-14

Mar-09

Apr-09

May-09

May-09

Oct-09

Apr-13

Jan-14

Jan-15

Oct-04

Mar-07

Oct-07

Aug-12

Oct-12

ECA Financing

ECA Financing

ECA Financing

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Bank Financing

Bank Financing

Unencumbered

Bank Financing

Bank Financing

Bank Financing

Unencumbered

Unencumbered

Aircraft Group

Aircraft Type

Engine Type

Wide-body Aircraft (Continued)

777-300ER GE90-115B

Freighter Aircraft

777-300ER GE90-115B

777-300ER GE90-115B

747-400BCF

PW4056-3

747-400BDSF

PW4056-1C/3

747-400BDSF

PW4056-3

747-400F CF6-80C2B1F

747-400ERF CF6-80C2B5F

747-400ERF CF6-80C2B5F

747-400ERF CF6-80C2B5F

747-400ERF CF6-80C2B5F

Manufacturer
Serial Number

Date of
Manufacture

Financing

38889

41521

41522

24066

25700

27044

33749

35233

35235

35236

35237

Nov-12

Unencumbered

Oct-12

Bank Financing

Mar-13

Bank Financing

Jun-90

Unencumbered

May-93

Unencumbered

Sep-94

Oct-04

Jan-07

Jul-07

Feb-08

Apr-08

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

Unencumbered

CORPORATE INFORMATION

BOARD OF DIRECTORS

EXECUTIVE OFFICERS

CORPORATE OFFICES

LEGAL COUNSEL

Ron Wainshal 4 
Chief Executive Officer

Michael Inglese 4 
Chief Financial Officer

Michael Kriedberg 
Chief Commercial Officer

Aaron Dahlke 
Chief Accounting Officer

Christopher Beers 
General Counsel

1 Audit Committee 
2 Compensation Committee 
3  Nominating and Corporate 
Governance Committee
4  Mr. Wainshal is on medical  
leave and Mr. Inglese is  
Acting Chief Executive Officer  
and Chief Financial Officer.

c/o Aircastle Advisor LLC 
300 First Stamford Place, 
5th Floor 
Stamford, CT 06902 
203 504 1020 
www.aircastle.com

TRANSFER AGENT

American Stock Transfer & 
Trust Company 
59 Maiden Lane 
New York, NY 10038 
800 937 5449

STOCK LISTING

NYSE: AYR

INDEPENDENT AUDITORS

Ernst & Young LLP 
300 First Stamford Place 
Stamford, CT 06902

Skadden, Arps, Slate, 
Meagher & Flom LLP 
Four Times Square 
New York, NY 10036 
212 735 3000

INVESTOR RELATIONS 
CONTACTS

Frank Constantinople 
Senior Vice President 
Aircastle Advisor LLC 
300 First Stamford Place, 
5th Floor 
Stamford, CT 06902 
203 504 1063 
ir@aircastle.com

The IGB Group
45 Broadway,  
Suite 1150 
New York, NY 10006 
212 477 8438

NOTICE OF ANNUAL  
MEETING

May 19, 2017, 10:00 a.m. EDT 
Delamar Greenwich Harbor 
500 Steamboat Road 
Greenwich, CT 06830

SAFE HARBOR STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995
All statements included or incorporated by reference in this Annual Report on Form 10-K (this “report”), other than 
characterizations of historical fact, are forward-looking statements within the meaning of the federal securities laws, 
including the Private Securities Litigation Reform Act of 1995. Examples of forward-looking statements include, 
but are not necessarily limited to, statements relating to our ability to acquire, sell, lease or finance aircraft, raise 
capital, pay dividends, and increase revenues, earnings, EBITDA, Adjusted EBITDA and Adjusted Net Income and 
the global aviation industry and aircraft leasing sector. Words such as “anticipates,” “expects,” “intends,” “plans,” 
“projects,” “believes,” “may,” “will,” “would,” “could,” “should,” “seeks,” “estimates” and variations on these 
words and similar expressions are intended to identify such forward-looking statements. These statements are based 
on our historical performance and that of our subsidiaries and on our current plans, estimates and expectations 
and are subject to a number of factors that could lead to actual results materially different from those described in 
the forward-looking statements; Aircastle can give no assurance that its expectations will be attained. Accordingly, 
you should not place undue reliance on any such forward-looking statements which are subject to certain risks and 
uncertainties that could cause actual results to differ materially from those anticipated as of the date of this report. 
These risks or uncertainties include, but are not limited to, those described from time to time in Aircastle’s filings with 
the Securities and Exchange Commission (“SEC”), including as described in Item 1A, and elsewhere in this report. In 
addition, new risks and uncertainties emerge from time to time, and it is not possible for Aircastle to predict or assess 
the impact of every factor that may cause its actual results to differ from those contained in any forward-looking 
statements. Such forward-looking statements speak only as of the date of this report. Aircastle expressly disclaims 
any obligation to revise or update publicly any forward-looking statement to reflect future events or circumstances.

Peter V. Ueberroth 3 
Chairman of the Board; 
Chairman 
Contrarian Group, Inc.

Ronald W. Allen 1 
Director; 
Former Chairman of  
the Board, President and  
Chief Executive Officer 
Delta Air Lines, Inc.

Giovanni Bisignani 3 
Director; 
Former Director General and  
CEO of the International Air  
Transport Association

Michael J. Cave 1 
Director; 
Former Senior Vice President of  
The Boeing Company

Douglas A. Hacker 1,2 
Director; 
Former Executive Vice President of 
Strategy for UAL Corporation

Ryusuke Konto 
Director; 
Chairman of Marubeni  
Aerospace Corporation

Yukihiko Matsumura 
Director; 
President and CEO of  
Marubeni America Corporation

Ronald L. Merriman 1,2 
Director; 
Former Vice Chairman of KPMG

Agnes Mura 2,3 
Director; 
President 
Agnes Mura, Inc.

Charles W. Pollard 2,3 
Director; 
Former Vice Chairman of 
Omni Air International, Inc.

Gentaro Toya 
Director; 
Executive Vice President of  
Marubeni America Corporation

Ron Wainshal 4 
Director; 
Chief Executive Officer 
Aircastle Limited

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AIRCASTLE LIMITED : C/O AIRCASTLE ADVISOR LLC
300 First Stamford Place, 5th Floor, Stamford, CT 06902
203-504-1020 : www.aircastle.com