Quarterlytics / Real Estate / REIT - Retail / National Retail Properties

National Retail Properties

nnn · NYSE Real Estate
Claim this profile
Ticker nnn
Exchange NYSE
Sector Real Estate
Industry REIT - Retail
Employees 51-200
← All annual reports
FY2002 Annual Report · National Retail Properties
Sign in to download
Loading PDF…
2 0 0 2   A N N U A L   R E P O R T

1990

1991

1992

1993

Our Shareholders

Our Shareholders

Our Shareholders

Our Shareholders

May, 1990

May, 1991

May, 1992

May, 1993

Three Hundred Seventy Thousand & 00/100

$370,000

Three Hundred Eighty-Five Thousand & 00/100

$385,000

Four Hundred Thousand & 00/100

$400,000

Four Hundred Eighty-Three Thousand & 00/100

$483,000

1Q FY1990 Dividends

1Q FY1991 Dividends

1Q FY1992 Dividends

1Q FY1993 Dividends

Our Shareholders

Our Shareholders

Our Shareholders

Our Shareholders

August, 1990

August, 1991

August, 1992

August, 1993

Three Hundred Eighty-Five Thousand & 00/100

$385,000

Three Hundred Eighty-Five Thousand & 00/100

$385,000

Four Hundred Thousand & 00/100

$400,000

Four Hundred Eighty-Four Thousand & 00/100

$484,000

2Q FY1990 Dividends

2Q FY1991 Dividends

2Q FY1992 Dividends

2Q FY1993 Dividends

Our Shareholders

Our Shareholders

Our Shareholders

Our Shareholders

November, 1990

November, 1991

November, 1992

November, 1993

Three Hundred Eighty-Five Thousand & 00/100

$385,000

Four Hundred Thousand & 00/100

$400,000

Four Hundred Eighty-Three Thousand & 00/100

$483,000

One Million Eighty-Nine Thousand & 00/100

$1,089,000

3Q FY1990 Dividends

3Q FY1991 Dividends

3Q FY1992 Dividends

3Q FY1993 Dividends

Our Shareholders

Our Shareholders

Our Shareholders

Our Shareholders

February, 1991

February, 1992

February, 1993

February, 1994

Three Hundred Eighty-Four Thousand & 00/100

$384,000

Three Hundred Nienty-Nine Thousand & 00/100

$399,000

Four Hundred Eighty-Three Thousand & 00/100

$483,000

One Million One Hundred Thousand & 00/100

$1,100,000

4Q FY1990 Dividends

4Q FY1991 Dividends

4Q FY1992 Dividends

4Q FY1993 Dividends

$1,524,000

$1,569,000

$1,766,000

$3,156,000

1998

1999

2000

2001

Our Shareholders

Our Shareholders

Our Shareholders

Our Shareholders

May, 1998

May, 1999

May, 2000

May, 2001

Eight Million Four Hundred Fifty-Two Thousand & 00/100

$8,452,000

Nine Million Two Hundred Sixty-Seven Thousand & 00/100

$9,267,000

Nine Million Three Hundred Seventy-Eight Thousand & 00/100

$9,378,000

Nine Million Five Hundred Ninety-Four Thousand & 00/100

$9,594,000

1Q FY1998 Dividends

1Q FY1999 Dividends

1Q FY2000 Dividends

1Q FY2001 Dividends

Our Shareholders

Our Shareholders

Our Shareholders

Our Shareholders

August, 1998

August, 1999

August, 2000

August, 2001

Nine Million Forty-Seven Thousand & 00/100

$9,047,000

Nine Million Three Hundred Ninety-Nine Thousand & 00/100

$9,399,000

Nine Million Three Hundred Ninety-Eight Thousand & 00/100

$9,398,000

Nine Million Six Hundred Eight Thousand & 00/100

$9,608,000

2Q FY1998 Dividends

2Q FY1999 Dividends

2Q FY2000 Dividends

2Q FY2001 Dividends

Our Shareholders

Our Shareholders

Our Shareholders

Our Shareholders

November, 1998

November, 1999

November, 2000

November, 2001

Nine Million Seventy-One Thousand & 00/100

$9,071,000

Nine Million Four Hundred Three Thousand & 00/100

$9,403,000

Nine Million Four Hundred Ten Thousand & 00/100

$9,410,000

Nine Million Six Hundred Ninety-Eight Thousand & 00/100

$9,698,000

3Q FY1998 Dividends

3Q FY1999 Dividends

3Q FY2000 Dividends

3Q FY2001 Dividends

Our Shareholders

Our Shareholders

Our Shareholders

Our Shareholders

February, 1999

February, 2000

February, 2001

February, 2002

Nine Million One Hundred Two Thousand & 00/100

$9,102,000

Nine Million Four Hundred Twenty-Six Thousand & 00/100

$9,426,000

Nine Million Five Hundred Seventy-Four Thousand & 00/100

$9,574,000

Nine Million Seven Hundred Thirty-Seven Thousand & 00/100

$9,737,000

4Q FY1998 Dividends

4Q FY1999 Dividends

4Q FY2000 Dividends

4Q FY2001 Dividends

$35,672,000

$37,495,000

$37,760,000

$38,637,000

1994

1995

1996

1997

Our Shareholders

Our Shareholders

Our Shareholders

Our Shareholders

May, 1994

May, 1995

May, 1996

May, 1997

Two Million One Hundred Forty-Six Thousand & 00/100

$2,146,000

Three Million Three Hundred Eighty-TwoThousand & 00/100

$3,382,000

Three Million Three Hundred Eighty-Two Thousand & 00/100

$3,382,000

Six Million Two Hunred Twenty-Nine Thousand & 00/100

$6,229,000

1Q FY1994 Dividends

1Q FY1995 Dividends

1Q FY1996 Dividends

1Q FY1997 Dividends

Our Shareholders

Our Shareholders

Our Shareholders

Our Shareholders

August, 1994

August, 1995

August, 1996

August, 1997

Two Million One Hundred Forty-Six Thousand & 00/100

$2,146,000

Three Million Three Hundred Eighty-TwoThousand & 00/100

$3,382,000

Four Million Five Hundred Fifty Thousand & 00/100

$4,550,000

Seven Million Eighteen Thousand & 00/100

$7,018,000

2Q FY1994 Dividends

2Q FY1995 Dividends

2Q FY1996 Dividends

2Q FY1997 Dividends

Our Shareholders

Our Shareholders

Our Shareholders

Our Shareholders

November, 1994

November, 1995

November, 1996

November, 1997

Two Million Two Hundred Twenty-Two Thousand & 00/100

$2,222,000

Three Million Three Hundred Eighty-Two Thousand & 00/100

$3,382,000

Four Million Seven Hundred Seven Thousand & 00/100

$4,707,000

Seven Million Eighteen Thousand & 00/100

$7,018,000

3Q FY1994 Dividends

3Q FY1995 Dividends

3Q FY1996 Dividends

3Q FY1997 Dividends

Our Shareholders

Our Shareholders

Our Shareholders

Our Shareholders

February, 1995

February, 1996

February, 1997

February, 1998

Three Million Three Hundred Eighty-Three Thousand & 00/100

$3,383,000

Three Million Three Hundred Eighty-Three Thousand & 00/100

$3,383,000

Six Million Two Hunred Twenty-Nine Thousand & 00/100

$6,229,000

Eight Million One Hundred Sixteen Thousand & 00/100

$8,116,000

4Q FY1994 Dividends

4Q FY1995 Dividends

4Q FY1996 Dividends

4Q FY1997 Dividends

$9,897,000

$13,529,000

$18,868,000

$28,381,000

2002

Our Shareholders

May, 2002

Twelve Million Six Hundred Fifty Thousand & 00/100

$12,650,000

1Q FY2002 Dividends

Our Shareholders

August, 2002

Twelve Million Six Hundred Eighty-NineThousand & 00/100

$12,689,000

2Q FY2002 Dividends

Our Shareholders

November, 2002

Twelve Million Nine Hundred FifteenThousand & 00/100

$12,915,000

3Q FY2002 Dividends

Our Shareholders

February, 2003

Twelve Million Nine Hundred Twenty-Four Thousand & 00/100

$12,924,000

4Q FY2002 Dividends

$51,178,000

thirteen consecutive years 
of increased dividends per 
share totaling $279,432,000
paid to all shareholders

TABLE OF CONTENTS

Company Profile 

Letter to Shareholders 

Special Thanks 

Historical Financial Highlights 

Questions & Answers 

Management’s Discussion & Analysis 
of Financial Condition & Results 
of Operations 

Independent Auditors’ Report 

Consolidated Balance Sheets 

Consolidated Statements of Earnings 

Consolidated Statements of Stockholders’ Equity 

Consolidated Statements of Cash Flows 

Notes to Consolidated Financial Statements 

Consolidated Quarterly Financial Data 

Share Price and Dividend Data 

Shareholder Information 

Associates 

Directors & Officers 

5

6

9

10

12

14

35

36

37

39

40

42

71

72

73

74

75

4

thirteen consecutive years of increased dividends

5

COMPANY PROFILE

Commercial Net Lease Realty, Inc. is a 
New York Stock Exchange-listed real estate 
investment trust (ticker symbol: NNN).  
The company acquires, owns, manages and 
indirectly develops net-leased, single-tenant 
properties in the 7,500 – 100,000 square 
foot range nationwide. 

The company strives to develop and 
maintain long-term tenant relationships 
and create value for its shareholders.  
By focusing on long-term relationships, 
Commercial Net Lease Realty has built a 
solid portfolio and stable income stream for 
its shareholders.

Three factors distinguish the company’s 
portfolio:

• 

• 

• 

A focus on triple net leases 
eliminates the majority of real 
estate operating risk;

Tenants consist of major national 
or regional companies; and,

The average lease term of 12 years 
positions the company to bridge 
real estate and economic cycles.

Through an unwavering commitment 
to serve its customers, Commercial Net 
Lease Realty has gained a reputation 
for providing innovative real estate 
solutions nationwide.  The company 
offers a complete array of real estate 
services including acquisitions, property 
management, build-to-suit development 
and 1031 exchange dispositions.   

      336 Properties
           111 Tenants
                   39 States

4

thirteen consecutive years of increased dividends

5

LETTER TO SHAREHOLDERS

Dear Shareholders,

Dividends: they either get paid or they 

don’t. In an era when it seems a number 

of companies are restating earnings, it 

is comforting to know that no company 

always stay constant to our purpose and 

work to provide dividend income for our 

shareholders. That is why protecting and 

growing the dividend is the main priority 

at Commercial Net Lease Realty, Inc.

can restate dividends. You can trust the 

The 2002 dividend of $1.27 per share 

dividend – it is money that shareholders 

marks our thirteenth consecutive year of 

can take to the bank.

Dividends are, and always have been, 

an important part of total return to 

shareholders. For the last 100 years, 75 

percent of the stock market’s total return 

increased dividends paid to shareholders. 

We are one of only 252 of the more than 

10,000 publicly traded companies in 

America that have increased dividends for 

twelve or more consecutive years.

to investors was made up of dividends, 

Total return to shareholders consists of the 

according Dr. Jeremy Siegel of The Wharton 

dividends received and the change in value 

School.

Reliable Returns

Our business is focused on producing 

consistent results from long-term net-

leased real estate. We may never be the 

latest trend in investing, but we will 

Average Annual Return Comparison
For Periods Ending December 31, 2002rly)

in stock price. Our consistent dividend, 

coupled with the growth in share price over 

time, has generated attractive total returns 

for our shareholders. In fact, over the past 

one, three, five and ten year periods, we 

have outperformed the REIT industry 

indices (NAREIT Equity REIT Index and 

the Morgan Stanley REIT Index) as well as 

the broader stock market benchmarks (the 

S&P 500 Index and NASDAQ).

Commercial Net Lease  
Realty, Inc. (NNN)

NAREIT Equity 
REIT Index (NRIXETR)

Morgan Stanley 
REIT Index (RMS)

S&P 500 Index
(SPX)

Nasdaq
(CCMP)

1 Year

3 Years

5 Years

10 Years

Reduced Risk

28.0% 27.5% 6.9% 12.0%

3.8% 14.3% 3.3% 10.5%

Our investment strategy is designed to 

create an attractive risk-adjusted return for 

3.6% 14.0% 3.3%

N/A

our shareholders. Central to that strategy 

-22.1% -14.5% -.06% 9.3%

is our commitment to real estate value. 

Disciplined diversification – geographically, 

-31.2% -30.8% -2.9% 7.0%

by line of trade and by individual tenant 

– enhances the stability of our operating 

6

thirteen consecutive years of increased dividends

7

income. Our portfolio is made up of single-

achieved while we also reduced debt levels, 

tenant properties in good locations that are 

and improved our interest and fixed charge 

Line of Trade  
Diversification*

net-leased over a long term to creditworthy 

coverages.  We believe protecting against 

tenants. We currently own 336 properties 

the downside helps us ensure consistent 

located in 39 states that are leased to 

operating performance.

111 tenants in 40 different industry 

classifications. Maintaining and enhancing 

this balance in our portfolio is another way 

we focus on reducing risk.

Among the company’s 2002 goals was to 

strengthen the core portfolio and increase 

our occupancy rate. We improved the 

portfolio by selling 19 properties for 

Long-term net leases are 

a key component to the 

safety of our dividend 

and the common 

thread of each of our 

investments. The net 

lease structure reduces 

real estate operating 

risk because tenants 

are responsible for 

paying property taxes, 

insurance and operating 

expenses. We believe 

�����

�����

�����

�����

�����

�����

�������� ����������� ����� �� ��������� ���������

$29.9 million and 

investing $45.8 million 

in property acquisitions, 

completed construction 

projects and tenant 

���� ���� ���� ���� ���� ���� ���� ���� ���� ���� ���� ���� ����

improvements. We also 

������� ��

increased our occupancy 

rate from 89 percent to 

94 percent.

Additionally, both 

our Build-to-Suit and 

Acquisitions/1031 

���� ������ ��

�������� ����� ��

���������� ���

������������
����������� ���

��������
����������� ���

that leases longer than 10 years generally 

bridge real estate and economic cycles. The 

weighted average remaining lease term of 

our portfolio is 12 years.  

Consistent Performance

During 2002, Funds From Operations 

(FFO), one of the key measures of a REIT’s 

performance, increased to $1.43 per share. 

Growth in FFO per share allows us to 

prudently increase our dividend. Notably, 

this increase in operating results was 

Exchange operating groups were profitable 

������ ������ ��

for the year. We strengthened our senior 

management team with the additions of 

Jay Whitehurst, General Counsel, and 

David Cobb, Chief Investment Officer of 

Commercial Net Lease Realty Services. 

And we continue to refine our performance 

management system and processes. This 

system is a key tool that management uses 

to monitor its own progress and maintain 

alignment with team members. 

���������������
����������� ��

��������� ��

���� ����������� ��

������� ��

��������� ��
���� ������� ��
������� ����������� ��
���������� ������� ��
��� ������� ��
������ ������ ��
��� �������� ��
���������� ������� ��
����������� ������ ��
����������������� ��

����� ��

* as a percentage of base rent 
(December 31, 2002)

7

6

thirteen consecutive years of increased dividends

The Year Ahead

Thank you for investing in Commercial Net 

We have enjoyed a full 

year of operation of the 

Lease Realty. We look forward to working 

for you again this year.

properties successfully 

Sincerely, 

“For the last 100 

years, 75 percent of 
the stock market’s 
total return to 
investors was made 
up of dividends”

James M. Seneff, Jr.
Chairman and CEO

Gary M. Ralston
President and COO

March 1, 2003

integrated into our 

portfolio from the Captec 

acquisition. And while 

some real estate sectors 

are facing deteriorating 

property fundamentals 

and operational issues, we 

enter 2003 with a stable 

operating platform that positions us to take 

advantage of market opportunities as they 

develop.

Our goals for 2003 include maintaining 

our occupancy levels, increasing our 

acquisitions for the core portfolio and 

improving the profitability in our Build-

to-Suit and Acquisitions/1031 Exchange 

operating groups.  We will remain true to 

our strategy and focus on our primary goal 

– protecting and growing the dividend. 

We were pleased Governor Bob Martinez 

and Bob Legler joined our board of 

directors last year. They are a good 

complement to our already strong group of 

independent directors. 

8

thirteen consecutive years of increased dividends

9

SPECIAL THANKS

We would like to add a special thank you to Ed Clark, the company’s founding 
president and a vital member of our board of directors, who retired from the 
board in 2002. 

Ed is part of the World War II generation that has come to be known as the 
“Greatest Generation.” Growing up and working on a pineapple plantation in 
Hawaii, he learned the value of hard work at an early age. 

When World War II broke out, he enlisted in the Army. He served in both the 
Pacific and in European theaters and was wounded in the Battle of the Bulge in 
Bastogne, France. He was captured by the Germans and was held as a prisoner of 
war until the liberation in May 1945. 

After the war, he attended the University of North Carolina to study accounting 
and went on to become a partner with KPMG. We were very fortunate to have 
the wisdom of Ed’s counsel as a director from 1991 through 2002. He is a 
testament to the fact that perseverance and long-term perspective are keys to 
success.

8

thirteen consecutive years of increased dividends

9

HISTORICAL FINANCIAL HIGHLIGHTS
(dollars in thousands, except per share data)

2002

2001

2000

1999

1998

Gross revenues(1)
Earnings from continuing 

$

97,510

$

80,526

$

80,891

$

76,543

$

64,773

operations before cumulative 
effect of change in 
accounting principle

Net earnings
Total assets
Total long-term debt
Total equity
Cash dividends paid to common 

46,060
48,058
954,108
384,589
549,141

27,034
28,963
1,006,628
435,333
564,640

36,172
38,251
761,611
360,381
393,901

32,901
35,311
749,789
350,971
391,362

30,891
32,441
685,595
292,907
383,890

stockholders

51,178

38,637

37,760

37,495

35,672

Cash dividends paid to preferred 

stockholders

Weighted average common 

4,010

-

-

-

-

shares:
Basic
Diluted

Per share information:

Earnings from continuing 

operations before 
cumulative effect of 
change in accounting 
principle:
Basic
Diluted
Net earnings:

Basic
Diluted

Dividends paid to common 

stockholders

Dividends paid to preferred 

stockholders

Other data:

Funds from operations(2)
Cash flows provided by 

(used in):

Operating activities
Investing activities
Financing activities

40,383,405
40,588,957

31,539,857
31,717,043

30,387,371
30,407,507

30,331,327
30,408,219

29,169,371
29,397,154

1.04
1.04

1.09
1.09

1.270

2.250

0.86
0.85

0.92
0.91

1.19
1.19

1.26
1.26

1.08
1.08

1.16
1.16

1.06
1.05

1.11
1.10

1.260

1.245

1.240

1.230

-

-

-

-

57,881

44,616

43,949

46,044

42,517

58,705
39,983
(103,925)

38,008
(24,422)
(8,802)

50,198
(22,372)
(28,965)

47,876
(64,436)
18,447

41,260
(145,643)
103,665

(1)  Gross revenues include revenues from the Company’s continuing and discontinued operations.  
The Financial Accounting Standards Board (“FASB”) issued Financial Accounting Standard 
(“FAS”) Statement No. 144, “Accounting for the Impairment or Disposal of Long-Lived Assets.”  
This statement addresses financial accounting and reporting for the impairment or disposal 
of long-lived assets and broadens the presentation of discontinued operations in the income 
statement to include a component of an entity.  Accordingly, the results of operations related to 
these certain properties that have been classified as held for sale or have been disposed of in 
2002 have been reclassified to earnings from discontinued operations.

10

thirteen consecutive years of increased dividends

11

(2)  Funds From Operations, commonly referred to as FFO, is a relative non-GAAP financial 

measure of performance and liquidity of an equity REIT in order to recognize that income-
producing real estate historically has not depreciated on the basis determined under GAAP.  For 
purposes of the Company, FFO is net earnings excluding depreciation, gains and losses on the 
disposition of real estate and non-recurring items of income and expense of the Company, and 
the Company’s share of these items from the Company’s unconsolidated partnerships.  

FFO is generally considered by industry analysts to be the most appropriate measure of 
performance.  FFO does not necessarily represent cash provided by operating activities in 
accordance with accounting principles generally accepted in the United States of America 
and should not be considered an alternative to net income as an indication of the Company’s 
performance or to cash flow as a measure of liquidity or ability to make distributions.  
Management considers FFO an appropriate measure of performance of an equity REIT because it 
is predicated on cash flow analysis.  

The Company’s computation of FFO may differ from the methodology for calculating FFO used 
by other equity REITs, and therefore, may not be comparable to such other REITs.  

The following table reconciles FFO to their most directly comparable GAAP measure, net 
earnings available to common stockholders for the years ended December 31:

2002

2001

2000

1999

1998

Reconciliation of funds from operations:

Net earnings available to common 

stockholders

$ 44,048

$ 28,963

$ 38,251

$ 35,311

$ 32,441

Real estate depreciation and 

amortization:

Continuing operations

Discontinued operations

Partnership real estate depreciation

Expenses incurred in acquisition 

of advisor

Loss (gain) on disposition and 
impairment of real estate:

Continuing operations

Discontinued operations

Cumulative effect of change in 

accounting principle

10,011

317

479

7,309

347

63

7,592

246

63

7,326

243

64

5,640

226

64

-

12,582

1,521

9,824

5,501

1,882

1,144

-

(4,648)

(4,091)

(6,724)

(1,355)

-

-

-

367

-

-

-

-

Funds from operations

$ 57,881

$ 44,616

$ 43,949

$ 46,044

$ 42,517

10

thirteen consecutive years of increased dividends

11

QUESTIONS & ANSWERS

What is a net lease?

A net lease requires the tenant of a property 
to bear many of the costs associated with 
the property.  Such costs would typically 
include real estate taxes, maintenance, 
utilities and insurance.  Many times these 
are called a “triple net lease” and is the 
reason for our New York Stock Exchange 
ticker symbol being “NNN” which is the 
industry moniker for a triple net lease.

We strongly believe that using net 
leases provide increased stability to our 
operating cash flow over the long run.   
Today, a number of real estate sectors 
are dealing with the negative effects of 
increased property expenses (e.g., property 
insurance) that we are insulated against by 
virtue of using net leases.

What are the implications of President 
Bush’s proposed tax plan?

A portion of the President’s recently 
announced tax plan proposes the 
elimination of taxes on dividends paid to 
individual shareholders by corporations 
that already pay corporate income taxes.  
The way the proposal is currently written, 
REIT dividends will continue to be taxed 
because REITs generally do not pay 
federal corporate income taxes.  However, 
the average dividend yield of S&P 500 
companies is currently between one and 
two percent and the average REIT dividend 
yield is estimated to be about seven 
percent.  So, as many investment experts 
have recently pointed out, even with no 
change in the taxability of REIT dividends, 
our industry’s dividend yields are still 
very attractive on an after-tax basis to 
individuals seeking income.

Please provide an update of your vacancy 
situation.  

An important priority for the company in 
2002 was to increase the occupancy rate 
of our properties.  The leasing team was 
very active, resolving more than 557,000 
square feet of vacant space and increasing 
our occupancy rate from 89 percent to 
94 percent in a daifficult environment to 
re-lease space.  This accomplishment not 
only demonstrates the skill and diligence 
of our leasing team, but also affirms our 
underwriting philosophy of acquiring 
quality locations in attractive markets.

With the increased focus on corporate 
governance, how have you altered your 
governance practices?

In July 2002, Congress enacted the 
Sarbanes-Oxley Act, which requires that 
publicly traded companies adopt a number 
of formal policies and procedures related 
to corporate governance and financial 
reporting.  Additionally, the New York 
Stock Exchange has proposed and adopted 
new rules relating to the governance of 
corporations traded on its exchange.  While 
these new laws appear to impose broad 
corporate governance requirements, we 
are pleased to report that compliance by 
Commercial Net Lease Realty primarily 
involves the documentation of existing 
practices and procedures.  For example, our 
audit committee already consisted solely 
of independent directors and is chaired 
by a director who meets the definition of 
a “financial expert” under the new law, 
and our senior financial officers already 
maintained a process for documenting 
the review of financial results which now 
supports the newly required CEO and CFO 
certifications.

12

thirteen consecutive years of increased dividends

13

One of the company’s goals last year was 
to improve the profi tability of the taxable 
subsidiary (Commercial Net Lease Realty 
Services).  Please provide an update on the 
taxable subsidiary.

The primary business of our taxable 
subsidiary is to develop or acquire 
net-leased properties.  The sale of these 
properties to third parties produced 
increased gains in 2002 to achieve 
profi tability.

Our primary build-to-suit focus remains to 
provide quality, cost-effective development 
services to tenants seeking high-visibility, 
high-traffi c freestanding locations in major 
metropolitan statistical areas throughout 
the United States.  To increase our ability 
to serve our customers, we have initiated 
developer partnering programs through 
which we collaborate with entrepreneurial 
developers providing varying levels of 
fi nancing and shared project participation.  
These programs serve to expand our access 
to major tenants in different sectors in all 
regions of the country.

The acquisitions group looks to acquire 
single-tenant, net-leased properties with 
corporations in top metropolitan statistical 
areas across the country.  Lease terms 
typically range between 10 and 20 years 
and acquisition investments of $1 - $40 
million.  We focus on strong real estate 
fundamentals and employ a conservative 
underwriting philosophy.

The 1031 Exchange group in our taxable 
subsidiary markets these properties 
as attractive replacement properties to 
taxpayers seeking to defer taxes through 
Internal Revenue Code Section 1031 

Like-Kind Exchanges.  In this process, 
property owners are able to defer the gain 
on the sale of their property by re-investing 
the proceeds directly into a like-kind 
property of equal or greater value and are 
required to complete the exchange within 
180 days of the original property sale.  
Through its web site, www.nnn1031.com, 
our 1031 Exchange group enables buyers 
to fully conduct a transaction online, from 
property identifi cation through a formal 
offer.

Comments?  Questions?

We enjoy hearing from our 
shareholders. Please let 
us know if you have any 
comments or questions.

Via postal mail:
450 South Orange Avenue
Suite 900
Orlando, FL 32801

Via phone:
(800) CNL-REIT

Via our website:
http://www.cnlreit.com

Or email me directly:
gary.ralston@cnlreit.com

Thank you,

Gary M. Ralston, President

12

thirteen consecutive years of increased dividends

13

MANAGEMENT’S DISCUSSION & ANALYSIS OF 
FINANCIAL CONDITION & RESULTS OF OPERATIONS

This information contains forward-looking statements within the meaning of Section 27A of the Securities Act 
of 1933 and Section 21E of the Securities Exchange Act of 1934.  These statements generally are characterized 
by the use of terms such as “believe,” “expect” and “may.”  Although the management of Commercial Net 
Lease Realty, Inc. and its wholly-owned subsidiaries (the “Company”) believe that the expectations reflected 
in such forward-looking statements are based upon reasonable assumptions, the Company’s actual results 
could differ materially from those set forth in the forward-looking statements.  Certain factors that might 
cause a difference include the following: the loss of any member of the Company’s management team; changes 
in general economic conditions; changes in real estate market conditions; continued availability of proceeds 
from the Company’s debt or equity capital; the availability of other debt and equity financing alternatives; 
market conditions affecting the Company’s equity capital; changes in interest rates under the Company’s 
current credit facilities and under any additional variable rate debt arrangements that the Company may enter 
into in the future; the ability of the Company to be in compliance with certain debt covenants; the ability of 
the Company to qualify as a real estate investment trust for federal income tax purposes; the ability of the 
Company to integrate acquired properties and operations into existing operations; the ability of the Company 
to refinance amounts outstanding under its credit facilities at maturity on terms favorable to the Company; 
the ability of the Company to locate suitable tenants for its properties; the ability of tenants to make payments 
under their respective leases and the ability of the Company to re-lease properties that are currently vacant 
or that become vacant.  Given these uncertainties, readers are cautioned not to place undue reliance on such 
statements.

Introduction

Commercial Net Lease Realty, Inc., a Maryland corporation, is a fully integrated, self-administered real estate 
investment trust (“REIT”) formed in 1984 that acquires, owns, manages and indirectly develops high-quality, 
freestanding properties that are generally leased to major retail businesses under long-term commercial net 
leases.  As of December 31, 2002, the Company owned 341 properties (the “Properties”) that are leased to 
retail businesses, including Academy, Barnes & Noble, Bed, Bath & Beyond, Bennigan’s, Best Buy, Borders, 
Eckerd and OfficeMax.  Approximately 94 percent of the gross leasable area of the Company’s Property 
portfolio was leased at December 31, 2002.

Liquidity and Capital Resources

General.  Historically, the Company’s cash needs for the payment of operating expenses and dividends 
and the payment of principal and interest on its outstanding indebtedness generally have been met from 
operations.  Cash needed for property acquisitions and development, either directly or through investment 
interests, and other investments have been met from equity and debt offerings, bank borrowings, the sale of 
Properties and, to a lesser extent, internally generated funds.  The Company anticipates that its future capital 
needs will be met using sources similar to the sources historically used.  For the years ended December 31, 
2002, 2001, and 2000, the Company generated $61,515,000, $38,008,000 and $50,198,000, respectively, 

14

thirteen consecutive years of increased dividends

15

in net cash from operating activities.  The change in cash from operations for each of the years ended 
December 31, 2002, 2001, and 2000, is primarily a result of changes in revenues and expenses as discussed in 
“Results of Operations.”  The Company expects that cash generated from operations could fluctuate in the future.

The Company’s leases typically provide that the tenant bears responsibility for substantially all property costs 
and expenses associated with ongoing maintenance and operation, including utilities, property taxes and 
insurance.  In addition, the Company’s leases generally provide that the tenant is responsible for roof and 
structural repairs.  Certain of the Company’s Properties are subject to leases under which the Company retains 
responsibility for certain costs and expenses associated with the Property.  Because many of the Properties, 
subject to such leases are recently constructed, management anticipates that capital demands to meet obligations 
with respect to these Properties will be minimal for the foreseeable future and can be met with funds from 
operations and working capital.  Management anticipates the costs associated with the Company’s vacant 
Properties or those Properties that become vacant will also be met with funds from operations and working 
capital.  The Company may be required to use bank borrowings or other sources of capital in the event of 
unforeseen significant capital expenditures.

Indebtedness. In October 2000, the Company entered into an amended and restated loan agreement for a 
$200,000,000 revolving credit facility (the “Credit Facility”) which amended the Company’s existing loan 
agreement by (i) lowering the interest rates of the tiered rate structure to a maximum rate of 150 basis points 
above LIBOR (based upon the debt rating of the company), (ii) extending the expiration date to October 31, 
2003, and (iii) amending certain of the financial covenants of the Company.  In connection with the Credit 
Facility, the Company is required to pay a commitment fee of 25 basis points per annum.  The principal balance 
is due in full upon expiration of the Credit Facility on October 31, 2003, which the Company may request 
to be extended for an additional 12-month period with the consent of the lender.  As of December 31, 2002, 
$38,900,000 was outstanding and approximately $161,100,000 was available for future borrowings under 
the Credit Facility.  The Company expects to use the Credit Facility primarily to invest in the acquisition and 
development of freestanding, retail properties, either directly or through investment interests.

In accordance with the terms of the Credit Facility, the Company is required to meet certain restrictive financial 
covenants, which, among other things, require the Company to maintain certain (i) maximum leverage ratios 
(ii) debt services coverage and (iii) cash flow coverage.  At December 31, 2002, the Company was in compliance 
with those covenants.

In January 1996, the Company entered into a long-term, fixed rate mortgage and security agreement for  
$39,450,000.  The loan provides for a 10-year mortgage with principal and interest of $330,000 payable monthly 
based on a 17-year amortization, with the balance due in February 2006 and bears interest at a rate of 7.435% 
per annum.  The mortgage is collateralized by a first lien on, and an assignment of rents and leases of, certain of 
the Company’s Properties.  As of December 31, 2002, the outstanding principal balance was $28,059,000 and 
the aggregate carrying value of the Properties totaled $63,026,000.

14

thirteen consecutive years of increased dividends

15

The Company has acquired four Properties each of which are subject to a mortgage totaling $7,214,000 
(collectively the “Mortgages”) with maturities between December 2007 and December 2010.  The Mortgages bear 
interest at a weighted average rate of 8.6% and have a weighted average maturity of 3.9 years, with principal 
and interest currently of $83,000 payable monthly.  In 2002, three of the Properties were released as collateral 
and each was substituted with a letter of credit, collectively totaling $3,747,000.  As of December 31, 2002, 
the outstanding principal balances for the Mortgages totaled $4,846,000 and the aggregate carrying value of 
remaining Property and letters of credit totaled $7,235,000.

In connection with the acquisition of Captec Net Lease Realty, Inc. (“Captec”) on December 1, 2001, the 
Company acquired three Properties each subject to a mortgage totaling $1,806,000 (collectively, the “Captec 
Mortgages”) with maturities between March 2014 and March 2019.  The Captec Mortgages bear interest at a 
weighted average rate of 9.0% and have a weighted maturity of 7.8 years, with principal and interest currently of 
$25,000 payable monthly.  As of December 31, 2002, the outstanding principal balances of the Captec Mortgages 
totaled $1,653,000 and the aggregate carrying value of these three Properties totaled $4,178,000.

In November 2001, the Company entered into an unsecured $70,000,000 term note (“Term Note”), due 
November 30, 2004, to finance the acquisition of Captec and for the repayment of indebtedness and related 
expenses in connection therewith (see “Merger Transactions”).  During 2002, the Company used the proceeds 
from its $50,000,000 note offering to pay down the Term Note.  As of December 31, 2002, the Term Note had 
an outstanding principal balance of $20,000,000 and bears interest at a rate of 175 basis points above LIBOR or 
3.17% at December 31, 2002.  The Company has the option to extend the maturity date of the Term Note for two 
additional 12-month periods.

In June 2002, the Company entered into a long-term, fixed rate mortgage and security agreement for 
$21,000,000.  The loan provides for a 10-year mortgage with principal and interest of $138,000 payable 
monthly, based on a 30-year amortization, with the balance due in July 2012 and bears interest at a rate of 
6.9% per annum. Proceeds from the debt were used to pay down outstanding indebtedness of the Company’s 
Credit Facility.  The mortgage is collateralized by a first lien on, and assignments of rents and leases of, five of 
the Company’s Properties.  As of December 31, 2002, the outstanding principal balance for the mortgage totaled 
$20,923,000 and the aggregate carrying value of the Properties totaled $27,956,000.  

Payments of principal on the mortgage debt and on advances outstanding under the Credit Facility are expected 
to be met from the proceeds of renewing or refinancing the Credit Facility, proceeds from public or private 
offerings of the Company’s debt or equity securities, the Company’s secured or unsecured borrowings from 
banks or other lenders or proceeds from the sale of one or more of its Properties.

Debt and Equity Securities.  The Company has maintained investment grade debt ratings from Standard 
and Poor’s, Moody’s Investor Service and Fitch IBCA on its senior, unsecured debt since 1998.  In March 1998, 
the Company filed a prospectus supplement to its $300,000,000 shelf registration and issued $100,000,000 of 
7.125% notes due 2008 (the “2008 Notes”).  The 2008 Notes are senior, unsecured obligations of the Company, 
redeemable at the option of the Company and are subordinated to all secured indebtedness of the Company.  
The 2008 Notes were sold at a discount for an aggregate purchase price of $99,729,000 with interest payable 

16

thirteen consecutive years of increased dividends

17

semi-annually commencing on September 15, 1998.  The discount of $271,000 is being amortized as interest 
expense over the term of the debt obligation using the effective interest method.  In connection with the debt 
offering, the Company incurred debt issuance costs totaling $1,208,000, consisting primarily of underwriting 
discounts and commissions, legal and accounting fees, rating agency fees and printing expenses. The net 
proceeds from the debt offering were used to pay down outstanding indebtedness of the Company’s Credit 
Facility.

In June 1999, the Company filed a prospectus supplement to its $300,000,000 shelf registration statement and 
issued $100,000,000 of 8.125% notes due 2004 (the “2004 Notes”).  The 2004 Notes are senior, unsecured 
obligations of the Company, redeemable at the option of the Company, and are subordinated to all secured 
indebtedness of the Company.  The 2004 Notes were sold at a discount for an aggregate purchase price of 
$99,608,000 with interest payable semi-annually commencing on December 15, 1999.  The discount of 
$392,000 is being amortized as interest expense over the term of the debt obligation using the effective interest 
method. In connection with the debt offering, the Company entered into a treasury rate lock agreement which 
fixed a treasury rate of 5.1854% on a notional amount of $92,000,000.  Upon issuance of the 2004 Notes, the 
Company terminated the treasury rate lock agreement resulting in a gain of $2,679,000.  The gain has been 
deferred and is being amortized as an adjustment to interest expense over the term of the 2004 Notes using 
the effective interest method.  The effective rate of the 2004 Notes, including the effects of the discount and the 
treasury rate lock gain, is 7.547%.  In connection with the debt offering, the Company incurred debt issuance 
costs totaling $970,000, consisting primarily of underwriting discounts and commissions, legal and accounting 
fees, rating agency fees and printing expenses.  Debt issuance costs have been deferred and are being amortized 
over the term of the 2004 Notes using the effective interest method.  The net proceeds of the debt offering were 
used to pay down outstanding indebtedness of the Company’s Credit Facility.

In September 2000, the Company filed a prospectus supplement to its $300,000,000 shelf registration statement 
and issued $20,000,000 of 8.5% notes due 2010 (the “2010 Notes”).  The 2010 Notes are senior, unsecured 
obligations of the Company, redeemable at the option of the Company, and are subordinate to all secured 
indebtedness of the Company.  The 2010 Notes were sold at a discount for an aggregate purchase price of 
$19,874,000 with interest payable semi-annually commencing on March 20, 2001.  The discount of $126,000 
is being amortized as interest expense over the term of the debt obligation using the effective interest method.  
In connection with the debt offering, the Company incurred debt issuance costs totaling $233,000 consisting 
primarily of underwriter discounts and commissions, legal and accounting fees, rating agency fees and printing 
expenses.  Debt issuance costs have been deferred and are being amortized over the term of the 2010 Notes 
using the effective interest method.  Net proceeds of the debt offering were used to pay down outstanding 
indebtedness of the Company’s Credit Facility. 

In January 2001, the Company filed a shelf registration statement with the Securities and Exchange 
Commission, which permits the issuance by the Company of up to $200,000,000 in debt and equity securities 
(which includes approximately $180,000,000 of unissued debt and equity securities under the Company’s 
previous $300,000,000 shelf registration statement).

16

thirteen consecutive years of increased dividends

17

In June 2002, the Company filed a prospectus supplement to its $200,000,000 shelf registration statement 
and issued $50,000,000 of 7.75% notes due 2012 (the “2012 Notes”).  The 2012 Notes are senior, unsecured 
obligations of the Company, redeemable at the option of the Company, and are subordinated to all secured 
indebtedness of the Company.  The 2012 Notes were sold at a discount for an aggregate purchase price of 
$49,713,000 with interest payable semi-annually commencing on December 1, 2002.  The discount of $287,000 
is being amortized as interest expense over the term of the debt obligation using the effective interest method.  
In connection with the debt offering, the Company incurred debt issuance costs totaling $507,000 consisting 
primarily of underwriting discounts and commissions, legal and accounting fees and rating agency fees.  Debt 
issuance costs have been deferred and are being amortized over the term of the 2012 Notes using the effective 
interest method.  The net proceeds from the debt offering were used to pay down the Company’s Term Note.

In accordance with the terms of the indenture, pursuant to which the Company’s notes have been issued, the 
Company is required to meet certain restrictive financial covenants, which, among other things, require the 
Company to maintain (i) certain maximum leverage ratios and (ii) debt services coverage.  At December 31, 
2002, the Company was in compliance with those covenants.

In July 2001, the Company filed a registration statement on Form S-8 with the Securities and Exchange 
Commission, which permitted the issuance of up to 2,900,000 shares of common stock (which included any 
shares of common stock represented by options available to be granted under the Company’s previous plan) 
pursuant to the Company’s 2000 Performance Incentive Plan (the “2000 Plan”).  The terms of the 2000 Plan 
automatically increase the number of shares issuable under the plan to 3,400,000 shares and 3,900,000 shares 
when the Company has issued and outstanding 35,000,000 shares and 40,000,000 shares, respectively, of its 
common stock.  In connection with the Company’s issuance of additional shares of common stock during the 
year ended December 31, 2001, pursuant to the terms of the 2000 Plan, the number of shares of common stock 
reserved for issuance automatically increased to 3,900,000 shares. 

Pursuant to the 2000 Plan, in July 2001, the Company granted and issued 239,000 shares of restricted common 
stock to certain officers and directors of the Company and its affiliates, of which 234,000 shares were granted 
to officers and 5,000 shares were granted to directors.  The restricted stock issued to the officers vests in 
amounts equal to a rate of 15 percent to 30 percent each year over approximately a five-year period ending on 
January 1, 2006 and automatically upon a change in control of the Company.  The restricted stock issued to the 
directors vests in equal amounts each year over approximately a two-year period ending on January 1, 2003 and 
automatically upon a change in control in the Company.

Pursuant to the 2000 Plan, in June 2002 the Company granted and issued 64,000 shares of restricted common 
stock to certain officers and directors of the Company and its affiliates, of which 58,000 shares were granted 
to officers and 6,000 shares were granted to directors.  The restricted stock issued to the officers vests in 
amounts equal to a rate of 15 percent to 30 percent each year over approximately a five-year period ending on 
January 1, 2007 and automatically upon a change in control of the Company. The restricted stock issued to the 
directors vests in equal amounts each year over approximately a two-year period ending on January 1, 2004 and 
automatically upon a change in control in the Company.

18

thirteen consecutive years of increased dividends

19

In November 2001, the Company issued 4,000,000 shares of common stock and received gross proceeds of 
$53,360,000.  In addition, in December 2001, the Company issued an additional 525,000 shares of common 
stock in connection with the underwriters’ over-allotment option and received gross proceeds of $7,004,000.  
In connection with these offerings, the Company incurred stock issuance costs totaling $3,272,000, consisting 
primarily of underwriters’ commissions and fees, legal and accounting fees and printing expenses.  Net proceeds 
from the offerings were generally used to pay down the outstanding indebtedness under the Company’s Credit 
Facility.

In December 2001, the Company issued 4,349,918 shares of common stock and 1,999,974 shares of 9% 
Non-Voting Series A Preferred Stock (the “Perpetual Preferred Shares”) in connection with the acquisition of 
Captec (see “Merger Transactions”).  Holders of the Perpetual Preferred Shares are entitled to receive, when and 
as authorized by the board of directors, cumulative preferential cash distributions at the rate of nine percent 
of the $25.00 liquidation preference per annum (equivalent to a fixed annual amount of $2.25 per share). The 
Perpetual Preferred Shares rank senior to the Company’s common stock with respect to distribution rights and 
rights upon liquidation, dissolution or winding up of the Company.  The Company may redeem the Perpetual 
Preferred Shares on or after December 31, 2006, in whole or from time to time in part, for cash, at a redemption 
price of $25.00 per share, plus all accumulated and unpaid distributions.

In 2002, as a result of legal action regarding the merger of Captec (see “Merger Transactions”), the Company 
reduced the number of common and preferred shares issued and outstanding by 474,037 and 217,950, 
respectively, which represents the number of shares that would have been issued to the plaintiffs had they 
accepted the original merger consideration.  The Company has recorded the value of these shares at the original 
consideration share price in addition to the cash portion of the original merger consideration as other liabilities 
totaling $13,278,000.  The Company intends to use proceeds from its Credit Facility to fund the settlement of 
the legal action.

In November 1999, the Company announced the authorization by the Company’s board of directors to acquire 
up to $25,000,000 of the Company’s outstanding common stock either through open market transactions or 
through privately negotiated transactions.  As of December 31, 2002, the Company had acquired and retired 
249,200 of such shares for a total cost of $2,379,000.

Property Acquisitions, Dispositions and Commitments.  During the year ended December 31, 2002, 
the Company used proceeds from its Credit Facility to acquire two Properties, complete construction on one 
building and complete tenant improvements on seven Properties at a total cost of $12,372,000.  Proceeds from 
the Company’s Credit Facility were also used to acquire five properties from Services at fair market value for an 
aggregate cost of $28,566,000.  In addition, the Company used like-kind exchange proceeds from the sale of 
three properties to acquire two properties for an aggregate cost of $4,865,000. 

The Company owns one land parcel subject to a lease agreement with a tenant whereby the Company has agreed 
to construct a building on the land parcel for aggregate construction costs of approximately $2,388,000, of 
which $293,000 of costs had been incurred at December 31, 2002.  Pursuant to the lease agreements, rent is to 
commence on the property upon completion of construction of the building.

18

thirteen consecutive years of increased dividends

19

In addition to the one building under construction and 10 buildings under a sale and purchase agreement as 
of December 31, 2002, the Company may elect to acquire or develop additional properties, either directly or 
indirectly through investment interests, in the future.  Such property acquisitions and development are expected 
to be the primary demand for additional capital in the future.  The Company anticipates that it may engage 
in equity or debt financing, through either public or private offerings of its securities for cash, issuance of 
such securities in exchange for assets, disposition of assets or a combination of the foregoing.  Subject to the 
constraints imposed by the Company’s Credit Facility and long-term, fixed rate financing, the Company 
may enter into additional financing arrangements.

During 2000, the Company sold 13 of its properties for a total of $32,061,000 and received net sales proceeds of 
$31,257,000.  The Company recognized a net gain on the sale of these 13 properties of $4,091,000 for financial 
reporting purposes.  The Company used the proceeds to pay down outstanding indebtedness of the Company’s 
Credit Facility.

During 2001, the Company sold 37 of its properties for a total of $46,626,000 and received net sales proceeds of 
$45,897,000.  The Company recognized a net gain on the sale of these 37 properties of $4,648,000 for financial 
reporting purposes.  The Company reinvested the proceeds from 21 of these properties to acquire additional 
Properties and structured the transactions to qualify as tax-free like-kind exchange transactions for federal 
income tax purposes.  The Company used the remaining proceeds to pay down the outstanding indebtedness of 
the Company’s Credit Facility.

During 2002, the Company sold 19 of its properties for a total of $31,134,000 and received net sales proceeds of 
$29,928,000.  The Company recognized a net gain on the sale of these 19 properties of $256,000 for financial 
reporting purposes, which is included in earnings from discontinued operations.  The Company reinvested 
the proceeds from three of these properties to acquire additional Properties and structured the transactions to 
qualify as tax-free like-kind exchange transactions for federal income tax purposes.  The Company used the 
remaining proceeds to pay down the outstanding indebtedness of the Company’s Credit Facility.

Investments in Unconsolidated Affiliates.  In May 1999, the Company transferred its build-to-suit 
development operation to a 95-percent-owned, taxable unconsolidated subsidiary, Commercial Net Lease 
Realty Services, Inc. (“Services”) whose officers and directors consist of certain officers and directors of the 
Company.  The Company contributed $5,700,000 of real estate and other assets to Services in exchange for 
shares of non-voting common stock.  In connection with its contribution, the Company received a 95 percent, 
non-controlling interest in Services and was entitled to receive 95 percent of the dividends paid by Services.  
On December 31, 2001, the Company contributed an additional $20,042,000 of real estate.    As a result of its 
additional contribution, as of January 1, 2002 the Company holds a 98.7 percent, non-controlling interest in 
Services and is entitled to receive 98.7 percent of the dividends paid by Services.  Gary M. Ralston, James M. 
Seneff, Jr. and Kevin B. Habicht, each of which are officers and directors of the Company, own the remaining 1.3 
percent interest, which is 100 percent of the voting interest in Services.  The Company accounts for its interest 
in Services under the equity method of accounting.

20

thirteen consecutive years of increased dividends

21

The Company’s existing Amended and Restated Secured Revolving Line of Credit and Security Agreement 
(the “Security Agreement”) with Services allows for a borrowing capacity of $85,000,000.  The credit facility is 
secured by a first mortgage on Services’ properties and bears interest at prime rate plus 0.25%.  In February and 
May 2002, the Company modified an existing secured revolving line of credit and security agreement with a 
wholly-owned subsidiary of Services to increase the borrowing capacity from $32,000,000 to $40,000,000 
and from $40,000,000 to $45,000,000, respectively.  In December 2002, the Company modified an existing 
secured revolving line of credit and security agreement with another wholly-owned subsidiary of Services to (i) 
increase the borrowing capacity from $7,500,000 to $25,000,000 and (ii) add a second wholly-owned subsidiary 
of Services to this agreement, making each subsidiary a co-borrower.  All secured revolving line of credit and 
security agreements between the Company and any wholly-owned subsidiaries of Services are collectively 
referred to as the “Subsidiary Agreements.”  The Subsidiary Agreements provide for an aggregate borrowing 
capacity of $86,000,000 and bear interest at prime rate plus 0.25%.  The Security Agreement and the Subsidiary 
Agreements provide an aggregate borrowing capacity of $171,000,000 and each agreement has an expiration 
date of October 31, 2003.  In May 2001, Services and certain of its wholly-owned subsidiaries became direct 
borrowers under the Company’s $200,000,000 revolving Credit Facility.  During 2002, the Company borrowed 
$120,569,000 under its Credit Facility to fund the amounts drawn against these revolving credit facilities.  The 
Company received payments on the Security Agreement and Subsidiary Agreements totaling $178,548,000 
during the year ended December 31, 2002, which the Company used to re-pay its Credit Facility.

In September 1997, the Company entered into a partnership arrangement, Net Lease Institutional Realty, 
L.P. (the “Partnership”), with the Northern Trust Company, as Trustee of the Retirement Plan for the Chicago 
Transit Authority Employees (“CTA”).  The Company is the sole general partner with a 20 percent interest 
in the Partnership and CTA is the sole limited partner with an 80 percent limited partnership interest.  The 
Partnership owns and leases nine properties to retail tenants under long-term commercial net leases.  Net 
income and losses of the Partnership are to be allocated to the partners in accordance with their respective 
percentage interest in the Partnership.  The Company accounts for its 20 percent interest in the Partnership 
under the equity method of accounting.

The Company has entered into four limited liability company (“LLC”) agreements between June 2001 and 
December 2002, with CNL Commercial Finance, Inc. a related party.  Each of the LLCs holds an interest in 
mortgage loans and is 100 percent equity financed with no third party debt.  The Company holds a non-voting 
and non-controlling interest in each of the LLCs ranging from 36.7 to 44.0 percent and accounts for its interests 
under the equity method of accounting. 

In May 2002, the Company purchased a combined 25 percent partnership interest for $750,000 in CNL Plaza, 
Ltd. and CNL Plaza Venture, Ltd. (collectively, “Plaza”), which owns a 346,000 square foot office building 
and an interest in an adjacent parking garage.  Affiliates of James M. Seneff, Jr., an officer and director of 
the Company, and Robert A. Bourne, a member of the Company’s board of directors, own the remaining 
partnership interests.  Since November 1999, the Company has leased its office space from Plaza.  The 
Company’s lease expires in October 2014.  In addition, the Company has severally guaranteed 41.67% of a 

20

thirteen consecutive years of increased dividends

21

$15,500,000 promissory note on behalf of Plaza.  The maximum obligation to the Company is $6,458,300 plus 
interest.  Interest accrues at a rate of LIBOR plus 200 basis point per annum on the unpaid principal amount.  
This guarantee shall continue through the loan maturity in November 2004.

Merger Transactions.  On December 18, 1997, the Company’s stockholders voted to approve an agreement and 
plan of merger with CNL Realty Advisors, Inc. (the “Advisor”), whereby the stockholders of the Advisor agreed 
to exchange 100 percent of the outstanding shares of common stock of the Advisor for up to 2,200,000 shares 
(the “Share Consideration”) of the Company’s common stock (the “Merger”).  As a result, the Company became 
a fully integrated, self-administered REIT effective January 1, 1998.  Ten percent of the Share Consideration 
(220,000 shares) was paid January 1, 1998, and the balance (the “Share Balance”) of the Share Consideration 
was to be paid over time, within five years from the date of the merger, based upon the Company’s completed 
property acquisitions and completed development projects in accordance with the Merger agreement. For 
accounting purposes, the Advisor was not considered a “business” for purposes of applying APB Opinion No. 16, 
“Business Combinations,” and therefore, the market value of the common shares issued in excess of the fair value 
of the net tangible assets acquired was charged to operations rather than capitalized as goodwill.  The Company 
has issued the entire Share Balance as of December 31, 2001.  The cumulative market value of the Share Balance 
issued was $24,736,000, all of which was charged to operations in the respective years in which the shares were 
issued.

On December 1, 2001, the Company acquired 100 percent of Captec, a publicly traded real estate investment 
trust, which owned 135 freestanding, net lease properties located in 26 states.  Captec shareholders received 
$11,839,000 in cash, 4,349,918 newly issued shares of the Company’s common stock and 1,999,974 newly 
issued Perpetual Preferred Shares (see “Debt and Equity Securities”).  Under the purchase method of accounting, 
the acquisition price of $124,722,000 was allocated to the assets acquired and liabilities assumed at their fair 
values.  As a result, the Company did not record goodwill.  The merger was unanimously approved by both 
the Company’s and Captec’s board of directors.  This transaction increased funds from operations, increased 
diversification, produced cost savings from opportunities for economies of scale and operating efficiencies and 
enhanced its capital markets profile.  In connection with the merger, several parties have filed lawsuits which 
may have an adverse effect on the Company’s liquidity and capital resources.

On January 24, 2002, beneficial owners of shares of Captec stock held of record by Cede & Co. who alleged that 
they did not vote for the merger (and who alleged that they caused a written demand for appraisal of their Captec 
shares to be served on Captec), filed in the Chancery Court of the State of Delaware in and for New Castle 
County a Petition for Appraisal of Stock, PHILLIP GOLDSTEIN, JUDY KAUFFMAN GOLDSTEIN and CEDE 
& CO. v. COMMERCIAL NET LEASE REALTY, INC., C.A. No. 19368NC (“Appraisal Action”). The Appraisal 
Action alleged that 1,037,946 shares of Captec dissented from the merger and sought to require the Company to 
pay to all Captec stockholders who have demanded appraisal of their shares the fair value of those shares, with 
interest from the date of the merger. The Appraisal Action also sought to require the Company to pay all costs 
of the proceeding, including fees and expenses for plaintiff’s attorneys and experts.  As a result of this action, 
the plaintiffs were not entitled to receive the Company’s common and preferred shares as offered in the original 
merger consideration.  Accordingly, the Company reduced the number of common and preferred shares issued 
and outstanding by 474,037 and 217,950, respectively, which represents the number of shares that would have 

22

thirteen consecutive years of increased dividends

23

been issued to the plaintiffs had they accepted the original merger consideration.  As of December 31, 2002, the 
Company had recorded the value of these shares at the original consideration share price in addition to the cash 
portion of the original merger consideration as other liabilities totaling $13,278,000.  The Company intends 
to use proceeds from its Credit Facility to fund the settlement of the legal action.  The Company entered into a 
settlement agreement dated as of February 7, 2003 with the beneficial owners of the alleged 1,037,946 dissenting 
shares (including the petitioners in the Appraisal Action) which required the Company to pay $15,569,000.  
On February 13, 2003, the parties filed a stipulation and order of dismissal and the Court entered the order of 
dismissal, dismissing the Appraisal Action with prejudice.

Dividends.  One of the Company’s primary objectives, consistent with its policy of retaining sufficient cash 
for reserves and working capital purposes and maintaining its status as a REIT, is to distribute a substantial 
portion of its funds available from operations to its stockholders in the form of dividends.  During the years 
ended December 31, 2002, 2001 and 2000, the Company declared and paid dividends to its stockholders of 
$51,178,000, $38,637,000 and $37,760,000, respectively, or $1.270, $1.260 and $1.245 per share of common 
stock, respectively.  

The following presents the characterizations for tax purposes of such common stock dividends for the years 
ended December 31:

Ordinary income
Capital gain
Unrecaptured Section 125 gain
Return of capital

2002
92.41%
0.47%
0.41%
6.71%
100.00%

2001
97.37%
-
2.63%
-

2000
91.19%
4.35%
4.46%
-

100.00%

100.00%

In January 2003, the Company declared dividends to its stockholders of $12,929,000, or $0.32 per share of 
common stock, payable in February 2003.

Holders of the 9% Non-Voting Series A Preferred Stock are entitled to receive, when and as authorized 
by the board of directors, cumulative preferential cash distributions at the rate of nine percent of the $25 
liquidation preference per annum (equivalent to a fixed annual amount of $2.25 per share). For the year ended 
December 31, 2002, the Company declared and paid dividends to its preferred stockholders of $4,010,000 or 
$2.25 per share of preferred stock. The preferred stock dividends paid during the year ended December 31, 2002 
of $2.25 per share were characterized as ordinary income for tax purposes.

In February 2003, the Company declared dividends of $1,002,000, or $0.5625 per share of preferred stock, 
payable in March 2003. 

22

thirteen consecutive years of increased dividends

23

Contractual Obligations and Commercial Commitments.  The information in the following table 
summarizes the Company’s contractual obligations and commercial commitments outstanding as of 
December 31, 2002.  The table presents principal cash flows by year-end of the expected maturity for debt 
obligations and commercial commitments outstanding as of December 31, 2002.  As the table incorporates only 
those exposures that exist as of December 31, 2002, it does not consider those exposures or positions which 
arise after that date.

Expected Maturity Date
(dollars in thousands)

Total

2003

2004

2005

2006

2007

Thereafter

Line of credit, 
outstanding

Line of credit, 
available

Mortgages

$

38,900

$

38,900

$

161,100

161,100

$

-

-

$

-

-

$

-

-

$

-

-

-

-

55,481

2,904

3,163

3,420

22,937

1,261

21,796

Long-term debt (1)

290,000

-

120,000

-

-

-

170,000

Total contractual cash 

obligations

$ 545,481

$ 202,904

$ 123,163

$

3,420

$

22,937

$

1,261

$ 191,796

(1) Excludes unamortized note discounts and unamortized interest rate hedge gain.

During the year ended December 31, 1999, the Company entered into a purchase and sale agreement whereby 
the Company acquired 10 land parcels leased to major retailers and has agreed to acquire the buildings on each 
of the respective land parcels at the expiration of the initial term of the ground lease for an aggregate amount 
of approximately $23,421,000.  The initial term of each of the 10 respective ground leases expires between 
February 2003 and April 2004.  The seller of the buildings holds a security interest in each of the land parcels 
which secures the Company’s obligation to purchase the buildings under the purchase and sale agreement.

As of December 31, 2002, the Company owned one land parcel subject to a lease agreement with a tenant 
whereby the Company has agreed to construct a building on the land parcel for aggregate construction costs of 
approximately $2,388,000, of which $293,000 of costs had been incurred at December 31, 2002.  Pursuant to 
the lease agreement, rent is to commence on the property upon completion of construction of the building.

Management anticipates satisfying these maturities with a combination of the Company’s current capital 
resources (including cash on hand), its revolving Credit Facility, which the Company intends to renew in 2003 
and debt or equity financings if deemed desirable by the Company’s management.

24

thirteen consecutive years of increased dividends

25

Results of Operations

Critical Accounting Policies and Estimates.  In response to the SEC’s Release Numbers 33-8040 “Cautionary 
Advice Regarding Disclosure About Critical Accounting Policies” and 33-8056 “Commission Statement About 
Analysis of Financial Condition and Results of Operations,” the Company’s management has identified the 
following critical accounting policies that affect the more significant judgments and estimates used in the 
preparation of the Company’s consolidated financial statements.  The preparation of the Company’s consolidated 
financial statements in conformity with accounting principles generally accepted in the United States of America 
requires management to make estimates and judgments on assumptions that affect the reported amounts of 
assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements 
and the reported amounts of revenues and expenses during the reporting period.  On an ongoing basis, 
management evaluates its estimates and judgments.  A summary of the Company’s accounting policies and 
procedures are included in Note 1 of the Company’s consolidated financial statements.  Management believes the 
following critical accounting policies among others affect its more significant judgment of estimates used in the 
preparation of the Company’s consolidated financial statements. 

Real Estate and Lease Accounting – The Company leases its real estate pursuant to long-term, triple-net 
leases, under which the tenants typically pay all operating expenses of a property, including, but not limited to, 
all real estate taxes, assessments and other government charges, insurance, utilities, repairs and maintenance.  
The leases are accounted for using the operating or direct financing method.  Such methods are described below:  

Operating method – Leases accounted for using the operating method are recorded at the cost of the real 
estate.  Revenue is recognized as rentals are earned and expenses (including depreciation) are charged to 
operations as incurred.  Buildings are depreciated on the straight-line method over their estimated useful 
lives (generally 35 to 40 years).  Leasehold interests are amortized on the straight-line method over the 
terms of their respective leases.  When scheduled rentals vary during the lease term, income is recognized 
on a straight-line basis so as to produce a constant periodic rent over the term of the lease.  Accrued rental 
income is the aggregate difference between the scheduled rents which vary during the lease term and the 
income recognized on a straight-line basis.

Direct financing method – Leases accounted for using the direct financing method are recorded at their net 
investment (which at the inception of the lease generally represents the cost of the property).  Unearned 
income is deferred and amortized into income over the lease terms so as to produce a constant periodic rate 
of return on the Company’s net investment in the leases.

Real Estate Impairment – The Company periodically assesses its real estate assets for possible permanent 
impairment when certain events or changes in circumstances indicate that the carrying value of the asset, 
including any accrued rental income, may not be recoverable.  Management considers current market conditions 
and tenant credit analysis in determining whether the recoverability of the carrying amount of an asset should 
be assessed.  When an assessment is warranted, management determines whether an impairment in value has 

24

thirteen consecutive years of increased dividends

25

occurred by comparing the estimated future cash flows (undiscounted and without interest charges), including 
the residual value of the real estate, with the carrying cost of the individual asset.  If an impairment is indicated, 
a loss will be recorded for the amount by which the carrying value of the asset exceeds its fair value.

Additional critical accounting policies include management’s estimates of the useful lives used in calculating 
depreciation expense relating to the Company’s real estate assets, the recoverability of the carrying value of 
long-lived assets and the collectibility of receivables from tenants, including accrued rental income.

Comparison of Year Ended December 31, 2002 to Year Ended December 31, 2001.  As of December 31, 
2002 and 2001, the Company owned 341 and 351 Properties, respectively, 321 and 320, respectively, of 
which were leased to operators of retail businesses.  In addition, during the year ended December 31, 2002, 
the Company sold 14 properties with an aggregate gross leasable area of 325,000 square feet, that were leased 
or partially leased during 2002.  During the year ended December 31, 2001, the Company sold 37 properties 
with an aggregate gross leasable area of 458,000 square feet that were leased or partially leased during 2001.  
The Properties are leased on a long-term basis, generally 10 to 20 years, with renewal options for an additional 
five to 20 years.  As of December 31, 2002, the weighted average remaining lease term of the Properties was 
approximately 12 years.

During the years ended December 31, 2002 and 2001, the Company earned $85,316,000 and $67,207,000, 
respectively, in rental income from operating leases, earned income from direct financing leases and contingent 
rental income from continuing operations (“Rental Income”), representing a 27 percent increase in Rental 
Income.  The increase in Rental Income for the year ended December 31, 2002 is attributable to (i) the 
additional Rental Income from the Properties acquired as a result of the Captec merger, (ii) the additional 
Rental Income from re-leasing Properties that were vacant during the year ended December 31, 2001 and (iii) 
an increase in receipts by the Company of non-recurring additional Rental Income received during the year 
ended December 31, 2002 of $3,368,000 related to the termination of leases on six properties in comparison 
to $2,205,000 received during the year ended December 31, 2001 related to the termination of leases on 
33 properties.  Rental Income for the years ended December 31, 2002 and 2001 includes $18,309,000 and 
$2,073,000, respectively, of Rental Income related to the Properties acquired in connection with the merger 
of Captec in December 2001 (see “Merger Transactions”).  Excluding the Rental Income attributed to the 
Captec merger, Rental Income would have increased three percent.  The increase in Rental Income for the 
year ended December 31, 2002, was partially offset by (i) seven vacant, unleased Properties during the year 
ended December 31, 2002, that were leased or partially leased during the year ended December 31, 2001 and 
(ii) a decrease in contingent rental income.  The Company earned $474,000 and $934,000 from contingent 
rental income for the years ended December 31, 2002 and 2001, respectively, which represented 0.6 and 1.4, 
respectively, percent of Rental Income. 

Operating segments are components of an enterprise about which separate financial information is available 
that is evaluated regularly by the chief operating decision maker in deciding how to allocate resources and 
in assessing performance. While the Company does not have more than one reportable segment as defined 
by accounting principles generally accepted in the United States of America, the Company has identified two 
primary sources of revenue: (i) rental and earned income from triple net leases and (ii) interest income from 

26

thirteen consecutive years of increased dividends

27

affiliates and fee income from development, property management and asset management services.  During the 
years ended December 31, 2002 and 2001, the Company generated $87,213,000 and $69,401,000, respectively, 
in revenues from its triple net lease segment.  Revenues from the triple net lease segment for the years ended 
December 31, 2002 and 2001 included $18,309,000 and $2,073,000, respectively, that is attributable to the 
Properties acquired in connection with the merger of Captec.  In addition, the Company generated $3,683,000 
and $2,653,000 in revenues from its triple net lease segment that was classified as earnings from discontinued 
operations for the years ended December 31, 2002 and 2001, respectively.  For the years ended December 31, 
2002 and 2001, the Company generated revenues totaling $6,614,000 and $8,472,000, respectively, from its 
interest and fee income segment.  

During 2002, one of the Company’s lessees, Eckerd Corporation, accounted for more than 10 percent of the 
Company’s total rental income (including the Company’s share of rental income from nine properties owned 
by one of the Company’s unconsolidated affiliates).  As of December 31, 2002, Eckerd Corporation leased 52 
Properties (including three properties under leases with one of the Company’s unconsolidated affiliates).  It 
is anticipated that, based on the minimum rental payments required by the leases, Eckerd Corporation will 
continue to account for more than 10 percent of the Company’s total rental income in 2003.  Any failure of this 
lessee to make its lease payments when they are due could materially affect the Company’s earnings.

During the year ended December 31, 2002 and 2001, the Company recognized $6,955,000 and $8,791,000, 
respectively, of interest from unconsolidated affiliates and other mortgages receivable.  The decrease in interest 
earned from unconsolidated affiliates and other mortgages receivable during 2002 was primarily attributable 
to (i) a decrease in the average borrowing levels on the lines of credit with Services and its wholly-owned 
subsidiaries and (ii) a decline in the average interest rate on the lines of credit.

During the years ended December 31, 2002 and 2001, operating expenses from continuing operations, 
excluding interest, the provision for loss on impairment of real estate and expenses incurred in acquiring the 
Company’s Advisor from a related party and including depreciation and amortization, were $22,381,000 and 
$16,478,000, respectively, (23.9% and 21.2%, respectively, of total revenues, representing a 2.7% increase).  
During the years ended December 31, 2002 and 2001, general operating and administrative expenses were 
$9,475,000 and $6,896,000, respectively, (10.1% and 8.9%, respectively, of total revenues).  General operating 
and administrative expenses increased as a result (i) increases in expenses related to personnel and (ii) increases 
in expenses related to professional services provided to the Company.  During the years ended December 31, 
2002 and 2001, real estate expenses were $1,481,000 and $718,000, respectively, (1.6% and 0.9%, respectively, 
of total revenues).  The increase in real estate expenses is attributable to the real estate taxes, utilities and 
maintenance related to the vacant properties owned by the Company.  As of December 31, 2002 and 2001, the 
Company’s continuing operations included 17 and 28 vacant Properties, respectively, with an aggregate gross 
leasable area of 281,000 square feet and 688,000 square feet, respectively.  Depreciation and amortization 
expense increased 29 percent to $11,425,000 for the year ended December 31, 2002 from $8,864,000 for the 
year ended December 31, 2001.  Depreciation and amortization expense for the years ended December 31, 2002 
and 2001 include $2,388,000 and $114,000, respectively, related to the Properties acquired in connection with 
the merger of Captec in December 2001.  Excluding the depreciation and amortization expense attributed to 
the Captec merger, depreciation and amortization expense increased three percent as a result of the additional 

26

thirteen consecutive years of increased dividends

27

expense related to the 10 properties acquired in 2002 and the amortization attributable to the additional debt 
costs incurred in 2002.  However, the increase in depreciation and amortization expense was partially offset by 
a decrease in depreciation and amortization expense related to the sale of 19 properties during the year ended 
December 31, 2002 and a full year of depreciation and amortization expense related to the 35 properties sold 
during the year ended December 31, 2001.

The Company recognized $26,720,000 and $24,952,000 in interest expense for the years ended December 31, 
2002 and 2001, respectively.  Interest expense increased seven percent for the year ended December 31, 2002, 
primarily as a result of the interest incurred on (i) the Term Note the Company entered into in November 2001, 
(ii) the 2012 Notes issued in June 2002 and (iii) the $21,000,000 fixed rate mortgage due in July 2012 that the 
Company entered into in June 2002.  However, the increase in interest expense was partially offset by (i) a 
decrease in the average interest rates and borrowing levels on the Company’s Credit Facility and (ii) the partial 
repayment of the Term Note in 2002.

The Company recorded a provision for loss on impairment of real estate of $1,882,000 and $1,403,000 in 
continuing operations and discontinued operations, respectively, in the year ended December 31, 2002.  The 
provision for loss on impairment of real estate in continuing operation includes $1,532,000 related to Properties 
acquired in connection with the Captec merger.  The Company recorded a provision for loss on impairment 
of real estate of $125,000 that was classified as discontinued operations in the year ended December 31, 2001.  
The Company reviews long-lived assets for impairment whenever events or changes in circumstances indicate 
that the carrying amount of the asset may not be recoverable. Generally, the Company makes a provision for 
impairment loss if estimated future operating cash flows plus estimated disposition proceeds are less than the 
current book value.  Impairment losses are measured as the amount by which the current book value of the asset 
exceeds the estimated fair value of the asset.

The Company recorded $12,582,000 in expenses incurred in acquiring the Advisor from a related party for the 
year ended December 31, 2001.  The Company did not incur any expenses during the year ended December 31, 
2002 related to acquiring the Advisor.  As of December 2001, the Company had issued the entire balance of 
shares required in connection with the acquisition of the Advisor (see “Merger Transactions”).  

During the years ended December 31, 2002 and 2001, the Company recognized equity in earnings of 
unconsolidated affiliates of $3,216,000 and $(1,475,000), respectively.  The increase in equity in earnings of 
unconsolidated affiliates was primarily attributable to (i) the income generated by Services and its wholly-owned 
subsidiaries, which was attributable to the increase in the number of real estate dispositions by Services and its 
subsidiaries and (ii) the income generated from the investments in mortgage loans.

During 2001, the Company sold 37 of its properties for a total of $46,626,000 and received net sales proceeds 
of $45,897,000.  The Company recognized a gain on the sale of these 37 properties of $4,648,000 for financial 
reporting purposes.  Two of the 37 properties sold during the year ended December 31, 2001, were acquired in 
connection with the merger of Captec.  These two properties were sold for $3,458,000 with net sales proceeds 
of $3,406,000, and the Company recognized a net gain of $10,000 for financial reporting purposes.  The 
Company reinvested the proceeds from 21 of these properties to acquire additional Properties and structured 

28

thirteen consecutive years of increased dividends

29

the transactions to qualify as tax-free like-kind exchange transactions for federal income tax purposes.  The 
Company used the proceeds from the remaining 16 properties to pay down the outstanding indebtedness of the 
Company’s Credit Facility.

In accordance with Financial Accounting Standard (“FAS”) Statement No. 144, “Accounting for the Impairment 
or Disposal of Long-Lived Assets,” the Company has classified its three properties held for sale at December 31, 
2002 and 19 properties sold during 2002 as discontinued operations.  Accordingly, the results of operations for 
2001 related to these 22 properties have been reclassified to earnings from discontinued operations.  During the 
years ended December 31, 2002 and 2001, the Company recognized earnings from discontinued operations of 
$1,998,000 and $1,929,000, respectively.

During the year ended December 31, 2002, the Company sold 19 properties for a total of $31,134,000 and 
received net sales proceeds of $29,928,000.  The Company recognized a net gain on the sale of these 19 
properties of $256,000 for financial reporting purposes, which is included in earnings from discontinued 
operations.  The Company used the proceeds from three of the properties to acquire additional properties 
and structured the transactions to qualify as tax-free like-kind exchange transactions for federal income tax 
purposes.  The Company used the proceeds from the sale of the remaining 16 properties to pay down the 
outstanding indebtedness of the Company’s Credit Facility.

Comparison of Year Ended December 31, 2001 to Year Ended December 31, 2000.  As of December 31, 
2001 and 2000, the Company owned 351 and 259 Properties, respectively, 320 and 257, respectively, of which 
were leased to operators of major retail businesses.  In connection with the Captec merger in December 2001, 
the Company acquired 135 Properties of which 124 were leased to operators of major retail businesses.  In 
addition, during the year ended December 31, 2001, the Company sold 37 properties that were leased or 
partially leased during 2001.  During the year ended December 31, 2000 the Company sold 13 properties that 
were leased during 2000.  The Properties are leased on a long-term basis, generally 10 to 20 years, with renewal 
options for an additional five to 20 years.  As of December 31, 2001, the weighted average remaining lease term 
of the Properties was approximately 13 years.  

During the years ended December 31, 2001 and 2000, the Company earned $67,207,000 and $71,085,000, 
respectively, in rental income from operating leases, earned income from direct financing leases and contingent 
rental income from continuing operations (“Rental Income”), representing a five percent decrease in Rental 
Income.  The five percent decrease in Rental Income for 2001 was primarily a result of the decrease in Rental 
Income relating to the 37 properties sold during the year ended December 31, 2001, which were operational 
during the entire year ended December 31, 2000.  The decrease in Rental Income was partially offset as a 
result of non-recurring additional Rental Income received during the year ended December 31, 2001 and 2000 
of $2,205,000 and $1,540,000, respectively, related to the termination of leases on 33 and seven properties, 
respectively.  Rental Income for the year ended December 31, 2001 includes $2,073,000 related to the Properties 
acquired in connection with the merger of Captec in December 2001.  Excluding the Rental Income attributed 
to the Captec merger, Rental Income would have decreased eight percent.  The decrease in Rental Income for the 
year ended December 31, 2001 was also attributed to the 31 vacant, unleased Properties owned by the Company 
which accounted for 11 percent of the total gross leasable area.

28

thirteen consecutive years of increased dividends

29

Operating segments are components of an enterprise about which separate financial information is available 
that is evaluated regularly by the chief operating decision maker in deciding how to allocate resources and 
in assessing performance. While the Company does not have more than one reportable segment as defined 
by accounting principles generally accepted in the United States of America, the Company has identified two 
primary sources of revenue: (i) rental and earned income from triple net leases and (ii) interest income from 
affiliates and fee income from development, property management and asset management services.  During the 
years ended December 31, 2001 and 2000, the Company generated $69,401,000 and $73,334,000, respectively, 
in revenues from its triple net lease segment.  In addition, the Company generated $2,653,000 and $2,691,000, 
in revenues from its triple net lease segment that was classified as earnings from discontinued operations for the 
years ended December 31, 2001 and 2000, respectively.  For the years ended December 31, 2001 and 2000, the 
Company generated revenues totaling $8,472,000 and $4,856,000, respectively, from its interest and fee income 
segment.  

During 2001, one of the Company’s lessees, Eckerd Corporation, accounted for more than 10 percent of the 
Company’s total rental income (including the Company’s share of rental income from nine properties owned by 
the Company’s unconsolidated affiliates).  As of December 31, 2001, Eckerd Corporation leased 49 Properties 
(including three properties under leases with one of the Company’s unconsolidated affiliates). 

During the year ended December 31, 2001 and 2000, the Company recognized $8,791,000 and $5,760,000, 
respectively, of interest from unconsolidated affiliates and other mortgages receivable.  The increase in interest 
from unconsolidated affiliates and other mortgages receivable was primarily due to an increase in the average 
borrowing levels on the lines of credit with Services and its wholly-owned subsidiaries.  The increase was 
partially offset by a decline in the average interest rate on the lines of credit.

During the years ended December 31, 2001 and 2000, operating expenses from continuing operations, 
excluding interest and expenses incurred in acquiring the Company’s Advisor from a related party and 
including depreciation and amortization, were $16,478,000 and $14,090,000, respectively, (21.2% and 18.0%, 
respectively, of total revenues, representing a 3.2% increase).  During the years ended December 31, 2001 and 
2000, general operating and administrative expenses were $6,896,000 and $4,849,000, respectively, (8.9% and 
6.2%, respectively, of total revenues).  General operating and administrative expenses increased as a result of an 
increase in costs related to office expenses, personnel, debt financing charges and professional services provided 
to the Company.  During the years ended December 31, 2001 and 2000, real estate expenses were $718,000 and 
$399,000, respectively, (0.9% and 0.5%, respectively, of total revenues).  The increase in real estate expenses 
is attributable to the real estate taxes, utilities and maintenance related to the vacant properties owned by the 
Company.  As of December 31, 2001, the Company’s continuing operations included 28 vacant Properties, 
compared to one vacant Property as of December 31, 2000.  During the years ended December 31, 2001 and 
2000, depreciation and amortization expense was $8,864,000 and $8,842,000, respectively.

30

thirteen consecutive years of increased dividends

31

The Company recognized $24,952,000 and $26,528,000 in interest expense for the years ended December 31, 
2001 and 2000, respectively.  Interest expense decreased for the year ended December 31, 2001, primarily as 
a result of the decline in the average interest rate on the Company’s Credit Facility.   However, the decrease in 
interest expense was partially offset by an increase in the average borrowing levels of the Company’s Credit 
Facility and an increase in interest incurred due to the issuance of the 2010 Notes in September 2000.

The Company recorded $12,582,000 and $1,521,000 in expenses incurred in acquiring the Advisor from 
a related party for the years ended December 31, 2001 and 2000, respectively.  As of December 2001, the 
Company had issued the entire balance of shares required in connection with the acquisition of the Advisor (see 
“Merger Transactions”).  

During the years ended December 31, 2001 and 2000, the Company recognized equity in earnings of 
unconsolidated affiliates of $(1,475,000) and $(3,980,000), respectively.  The increase in equity in earnings of 
unconsolidated affiliates was primarily attributable to (i) the decrease in losses of Services and its wholly-owned 
subsidiaries, which was attributable to the increase in the number of real estate dispositions by Services and its 
subsidiaries and (ii) the income generated from the investments in mortgage loans.

During 2001, the Company sold 37 of its properties for a total of $46,626,000 and received net sales proceeds 
of $45,897,000.  The Company recognized a gain on the sale of these 37 properties of $4,648,000 for financial 
reporting purposes.  Two of the 37 properties sold during the year ended December 31, 2001, were acquired in 
connection with the merger of Captec.  These two properties were sold for $3,458,000 with net sales proceeds 
of $3,406,000 and the Company recognized a net gain of $10,000 for financial reporting purposes.  The 
Company reinvested the proceeds from 21 of these properties to acquire additional Properties and structured 
the transactions to qualify as tax-free like-kind exchange transactions for federal income tax purposes.  The 
Company used the proceeds from the remaining 16 properties to pay down the outstanding indebtedness of the 
Company’s Credit Facility.

During 2000, the Company sold 13 of its properties for a total of $32,061,000 and received net sales proceeds 
of $31,257,000.  The Company recognized a gain on the sale of these 13 properties of $4,091,000 for financial 
reporting purposes.  The Company used the proceeds to pay down outstanding indebtedness of the Company’s 
Credit Facility.

In accordance with FAS Statement No. 144, “Accounting for the Impairment or Disposal of Long-Lived Assets,” 
the Company has classified its three properties held for sale at December 31, 2002 and 19 properties sold 
during 2002 as discontinued operations.  Accordingly, the results of operations for 2001 and 2000 related to 
these 22 properties have been reclassified to earnings from discontinued operations.  During the years ended 
December 31, 2001 and 2000, the Company recognized earnings from discontinued operations of $1,929,000 
and $2,446,000, respectively.

Investment Considerations.  Currently, the Company owns 16 vacant, unleased Properties, which accounts 
for four percent of the total gross leasable area of the Company’s portfolio.  Additionally, three percent of the 
total gross leasable area of the Company’s portfolio is leased to five tenants, which have each filed a voluntary 

30

thirteen consecutive years of increased dividends

31

petition for bankruptcy under Chapter 11 of the U.S. Bankruptcy Code.  As a result, each of the tenants has 
the right to reject or affirm its leases with the Company.  The lost revenues and increased property expenses 
resulting from the rejection by any bankrupt tenant of any of their respective leases with the Company could 
have a material adverse effect on the liquidity and results of operations of the Company if the Company is unable 
to re-lease the Properties at comparable rental rates and in a timely manner.  

The Company had made an election to be taxed as a REIT under Sections 856 through 860 of the Internal 
Revenue Code of 1986, as amended, and related regulations.  As a REIT, for federal income tax purposes, the 
Company generally will not be subject to federal income tax on income that it distributes to its stockholders.  If 
the Company fails to qualify as a REIT in any taxable year, it will be subject to federal income tax on its taxable 
income at regular corporate rates and will not be permitted to qualify for treatment as a REIT for federal income 
tax purposes for four years following the year during which qualification is lost.  Such an event could materially 
affect the Company’s income.  However, the Company believes that it was organized and operated in such 
a manner as to qualify for treatment as a REIT for the years ended December 31, 2002, 2001 and 2000, and 
intends to continue to operate the Company so as to remain qualified as a REIT for federal income tax purposes.

Management of the Company currently knows of no trends that will have a material adverse effect on liquidity, 
capital resources or results of operations; however, certain factors exist that could contribute to trends that 
may adversely effect the Company in the future.  Such factors include the following: the loss of any member 
of the Company’s management team, changes in general economic conditions, changes in real estate market 
conditions, interest rate fluctuations, the ability of the Company to be in compliance with certain debt 
covenants, the ability of the Company to qualify as a real estate investment trust for federal income tax purposes, 
an increase in non-store based retailing (e.g., internet), the ability of the Company to locate suitable tenants for 
its Properties, the ability of tenants to make payments under their respective leases, the ability of borrowers to 
make payments on their respective loan agreements and the ability of the Company to re-lease properties that 
are currently vacant or that become vacant. 

Investments in real property create a potential for environmental liability on the part of the owner of such 
property from the presence or discharge of hazardous substances on the property.  It is the Company’s policy, 
as a part of its acquisition due diligence process, to obtain a Phase I environmental site assessment for each 
property and, where warranted, a Phase II environmental site assessment.  Phase I assessments involve 
site reconnaissance and review of regulatory files identifying potential areas of concern, whereas Phase II 
assessments involve some degree of soil and/or groundwater testing.  The Company may acquire a property 
whose environmental site assessment indicates that a problem or potential problem exists, subject to a 
determination of the level of risk and potential cost of remediation.  In such cases, the Company requires the 
seller and/or tenant to (i) remediate the problem prior to the Company’s acquiring the property, (ii) indemnify 
the Company for environmental liabilities or (iii) agree to other arrangements deemed appropriate by the 
Company to address environmental conditions at the property.  The Company has 13 Properties currently under 
some level of environmental remediation.  The seller or the tenant is contractually responsible for the cost of the 
environmental remediation for each of these Properties.

32

thirteen consecutive years of increased dividends

33

Quantitative and Qualitative Disclosures About Market Risk.  The Company is exposed to interest changes 
primarily as a result of its variable rate Credit Facility and its long-term, fixed rate debt used to finance the 
Company’s development and acquisition activities and for general corporate purposes.  The Company’s interest 
rate risk management objective is to limit the impact of interest rate changes on earnings and cash flows and 
to lower its overall borrowing costs.  To achieve its objectives, the Company borrows at both fixed and variable 
rates on its long-term debt.  

The Company has no outstanding derivatives as of December 31, 2002 and 2001.  The Company does not use 
derivatives for speculative or trading purposes.

32

thirteen consecutive years of increased dividends

33

The information in the table below summarizes the Company’s market risks associated with its debt obligations 
outstanding as of December 31, 2002 and 2001.  The table presents principal cash flows and related interest 
rates by year of expected maturity for debt obligations outstanding as of December 31, 2002.  The variable 
interest rates shown represent the weighted average rates for the Credit Facility at the end of the periods.  As 
the table incorporates only those exposures that exist as of December 31, 2002 and 2001, it does not consider 
those exposures or positions which could arise after those dates.  Moreover, because firm commitments are not 
presented in the table below, the information presented therein has limited predictive value.  As a result, the 
Company’s ultimate realized gain or loss with respect to interest rate fluctuations will depend on the exposures 
that arise during the period, the Company’s hedging strategies at that time and interest rates.  

Variable rate Credit Facility
Average interest rate

Variable rate Term Note
Average interest rate

Fixed rate mortgages
Average interest rate

Fixed rate notes
Average interest rate

2003
$ 38,900
(1)

-
-

2,904
7.41%

$

$

$

Expected Maturity Date
(dollars in thousands)
2006
-
-

2005
-
-

$

$

2004
-
-

20,000
(2)

$

-
-

$

-
-

$

$

2007
-
-

Thereafter
-
$
-

$

-
-

-
-

3,163
7.40%

$ 3,420

$ 22,937

$ 1,261

$

21,796

7.37%

7.26%

7.20%

8.23%

$

$

$

-
-

$ 100,000

$

7.58%

$

-
-

$

-
-

-
-

$ 170,000

7.86%

(1)  Interest rate varies based upon a tiered rate structure ranging from 80 basis points above LIBOR to 150 basis points 

above LIBOR based upon the debt rating of the Company.

(2)  Interest rate varies based upon a tiered rate structure ranging from 155 basis points above LIBOR to 225 basis points 

above LIBOR based upon the debt rating of the Company. 

December 31, 2002
(dollars in thousands)

Weighted
average
interest
rate
3.10%
3.64%
7.52%
7.71%

Total
38,900
$
20,000
$
$
55,481
$ 270,000

Fair
value

38,900
$
20,000
$
$
55,481
$ 287,898

$
$
$
$

Variable rate Credit Facility
Variable rate Term Note
Fixed rate mortgages
Fixed rate notes (1) 

(1)   Excludes unamortized note discount and unamortized interest rate hedge gain.

34

thirteen consecutive years of increased dividends

December 31, 2001
(dollars in thousands)
Weighted
average
interest
rate
5.23% $
3.66% $
7.62% $
7.70% $

Total

107,400
70,000
37,011
220,000

Fair
value

107,400
70,000
37,011
222,322

INDEPENDENT AUDITORS’ REPORT

The Board of Directors
Commercial Net Lease Realty, Inc.:

We have audited the accompanying consolidated balance sheets of Commercial Net Lease Realty, Inc. 
and subsidiaries as of December 31, 2002 and 2001, and the related consolidated statements of earnings, 
stockholders’ equity and cash flows for each of the years in the three-year period ended December 31, 
2002.  These consolidated financial statements are the responsibility of the Company’s management.  Our 
responsibility is to express an opinion on these consolidated financial statements based on our audits.

We conducted our audits in accordance with auditing standards generally accepted in the United States of 
America.  Those standards require that we plan and perform the audit to obtain reasonable assurance about 
whether the financial statements are free 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 consolidated financial statements referred to above present fairly, in all material respects, 
the financial position of Commercial Net Lease Realty, Inc. and subsidiaries as of December 31, 2002 and 
2001, and results of their operations and their cash flows for each of the years in the three-year period ended 
December 31, 2002, in conformity with accounting principles generally accepted in the United States of 
America.

Orlando, Florida
January 10, 2003, except as to the fifth paragraph of Note 20, which is as of February 13, 2003

35

COMMERCIAL NET LEASE REALTY, INC. & SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(dollars in thousands, except per share data)

ASSETS

Real estate:

Accounted for using the operating method, net of accumulated  

depreciation and amortization  

Accounted for using the direct financing method

Investments in, mortgages and other receivables from unconsolidated affiliates
Mortgages, notes and accrued interest receivable
Cash and cash equivalents
Receivables, net of allowance
Accrued rental income, net of allowance
Debt costs, net of accumulated amortization of $5,353 and $4,393, respectively
Other assets

Total assets

LIABILITIES AND STOCKHOLDERS’ EQUITY

Line of credit payable
Mortgages payable
Notes payable, net of unamortized discount of $677 and $517, respectively, and 

unamortized interest rate hedge gain of $885 and $1,439, respectively

Accrued interest payable
Other liabilities

Total liabilities

Commitments and contingencies (Note 20)

Stockholders’ equity:

Preferred stock, $0.01 par value.  Authorized 15,000,000 shares;  1,782,024 and 

1,999,974 shares issued and outstanding, respectively; stated liquidation value of 
$25 per share

Common stock, $0.01 par value.  Authorized 90,000,000 shares; 40,403,611 and 

40,599,158 shares issued and outstanding, respectively

Excess stock, $0.01 par value.  Authorized 105,000,000 shares; none issued or 

outstanding

Capital in excess of par value
Accumulated dividends in excess of net earnings

  Deferred compensation

Total stockholders’ equity

December 31,

2002

2001

$

703,465
108,308
102,633
11,253
1,737
1,227
19,172
3,181
3,132

$

706,280
107,272
144,236
18,374
6,974
2,067
16,184
3,057
2,184

$

954,108

$ 1,006,628

$

38,900
55,481

$

107,400
37,011

290,208
3,560
16,818
404,967

290,922
3,133
3,522
441,988

44,551

50,000

404

–

406

–

528,888
(21,657)

(3,045)
549,141
954,108

531,677
(14,527)

(2,916)
564,640
$ 1,006,628

$

36

See accompanying notes to consolidated financial statements.

See accompanying notes to consolidated financial statements.

37

 
COMMERCIAL NET LEASE REALTY, INC. & SUBSIDIARIES
CONSOLIDATED STATEMENTS OF EARNINGS
(dollars in thousands, except per share data)

Revenues:

Rental income from operating leases
Earned income from direct financing leases
Contingent rental income
Interest from unconsolidated affiliates and other mortgages 

receivable

  Other

Expenses:

General operating and administrative
Real estate
Interest
Depreciation and amortization
Provision for loss on impairment of real estate
Expenses incurred in acquiring advisor from related party

Year Ended December 31,

2002

2001

2000

$

73,400
11,442
474

6,955
1,556
93,827

9,475
1,481
26,720
11,425
1,882
–

50,983

$

54,825
11,448
934

8,791
1,875
77,873

6,896
718
24,952
8,864
–

12,582
54,012

$

57,861
12,397
827

5,760
1,355
78,200

4,849
399
26,528
8,842
–
1,521
42,139

Earnings from continuing operations before equity in earnings of 
unconsolidated affiliates, gain on disposition of real estate and 
cumulative effect of change in accounting principle

42,844

23,861

36,061

Equity in earnings of unconsolidated affiliates

3,216

(1,475)

(3,980)

Gain on disposition of real estate

–

4,648

4,091

Earnings from continuing operations before cumulative effect of 

change in accounting principle

46,060

27,034

36,172

Earnings from discontinued operations

1,998

1,929

2,446

Cumulative effect of change in accounting principle

–

–

(367)

Net earnings

Preferred stock dividends

48,058

28,963

38,251

(4,010)

–

–

Net earnings available to common stockholders

$

44,048

$

28,963

$

38,251

36

See accompanying notes to consolidated financial statements.

See accompanying notes to consolidated financial statements.

37

COMMERCIAL NET LEASE REALTY, INC. & SUBSIDIARIES
CONSOLIDATED STATEMENTS OF EARNINGS - CONTINUED
(dollars in thousands, except per share data)

Earnings per share available to common stockholders:

Basic:

Continuing operations before cumulative effect of change in 

accounting principle
Discontinued operations
Cumulative effect of change in accounting principle

Net earnings

Diluted:

Continuing operations before cumulative effect of change in 

accounting principle
Discontinued operations
Cumulative effect of change in accounting principle

Net earnings

Pro forma amounts available to common stockholders assuming 

retroactive application of accounting change:

Net earnings

Basic earnings per share
Diluted earnings per share

Year Ended December 31,

2002

2001

2000

$

$

$

$

$

1.04
0.05
–

$

0.86
0.06
–

1.19
0.08
(0.01)

1.09

$

0.92

$

1.26

$

1.04
0.05
–

$

0.85
0.06
–

1.19
0.08
(0.01)

1.09

$

0.91

$

1.26

$
$
$

38,632
1.27
1.27

Weighted average number of common shares outstanding:

Basic
Diluted

40,383,405
40,588,957

31,539,857
31,717,043

30,387,371
30,407,507

38

See accompanying notes to consolidated financial statements.

See accompanying notes to consolidated financial statements.

39

COMMERCIAL NET LEASE REALTY, INC. & SUBSIDIARIES
CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY
Years Ended December 31, 2002, 2001 and 2000
(dollars in thousands, except per share data)

Preferred stock 
net value

Common 
stock
par value

Capital in 
excess of par 
value

Accumulated 
dividends in 
excess of net 
earnings

Deferred 
compensation 
on restricted 
stock

Balances at December 31, 1999

$

$

303

$ 396,403

$

(5,344) $

Net earnings
Dividends declared and paid ($1.245 per 

share of common stock)

Issuance of 150,158 shares of common 

stock in connection with acquisition of 
advisor

Issuance of 55,608 shares of common 

stock

Purchase and retirement of 5,000 shares 

of common stock
Stock issuance costs
Balances at December 31, 2000

Net earnings
Dividends declared and paid ($1.260 per 

share of common stock)

Issuance of 1,999,974 shares of preferred 
stock and 4,349,918 shares of common 
stock in connection with the merger
Issuance of 973,920 shares of common 

stock in connection with acquisition of 
advisor

Issuance of 4,579,615 shares of common 

stock

Issuance of 239,000 shares of restricted 

common stock
Stock issuance costs
Amortization of deferred compensation
Balances at December 31, 2001

Net earnings
Dividends declared and paid ($2.25 per 

share of preferred stock)

Dividends declared and paid ($1.270 per 

share of common stock)

Reversal of 217,950 shares of preferred 
stock and 474,037 shares of common 
stock originally offered to the 
dissenting stockholders in connection 
with the merger in 2001

Issuance of 214,490 shares of common 

stock 

Issuance of 64,000 shares of restricted 

common stock
Stock issuance costs
Amortization of deferred compensation
Balances at December 31, 2002

–

–

–

–

–

–
–
–

–

–

50,000

–

–

–
–
–

50,000

–

–

–

(5,449)

–

–
–
–

$

44,551

$

–

–

2

–

–
–
305

–

–

43

10

46

2
–
–
406

–

–

–

(5)

2

1
–
–
404

–

–

38,251

(37,760)

1,519

578

(48)
(3)
398,449

–

–

59,724

12,572

61,016

3,188
(3,272)
–

–

–

–
–
(4,853)

28,963

(38,637)

–

–

–

–
–
–

531,677

(14,527)

–

–

–

48,058

(4,010)

(51,178)

(6,509)

2,752

982
(14)
–

–

–

–
–
–

$ 528,888

$ (21,657) $

Total

$ 391,362

38,251

(37,760)

1,521

578

(48)
(3)
393,901

28,963

(38,637)

109,767

12,582

61,062

–
(3,272)
274
564,640

48,058

(4,010)

(51,178)

(11,963)

2,754

–

–

–

–

–

–
–
–

–

–

–

–

–

(3,190)
–
274
(2,916)

–

–

–

–

–

(983)
–
854

–
(14)
854
(3,045) $ 549,141

38

See accompanying notes to consolidated financial statements.

See accompanying notes to consolidated financial statements.

39

COMMERCIAL NET LEASE REALTY, INC. & SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
(dollars in thousands)

Cash flows from operating activities:

Net earnings
Adjustments to reconcile net earnings to net cash provided by operating 

activities:

Stock compensation expense

Depreciation and amortization

Provision for loss on impairment of real estate

Amortization of notes payable discount

Amortization of deferred interest rate hedge gain
Expenses incurred in acquiring advisor from related party
Equity in earnings of unconsolidated affiliates, net of deferred intercompany 

profits

Gain on disposition of real estate
Cumulative effect of change in accounting principle
Changes in assets and liabilities net of the effects of the acquisition of Captec 

Net Lease Realty, Inc. in 2001:

Decrease in real estate leased to others using the direct financing 

method

Decrease in leasehold interests
Decrease (increase) in mortgages, notes and accrued interest receivable
Decrease (increase) in receivables
Increase in accrued rental income
Increase in other assets
Increase (decrease) in accrued interest payable
Increase (decrease) in other liabilities

Net cash provided by operating activities

Cash flows from investing activities:

Proceeds from the sale of real estate
Additions to real estate accounted for using the operating method
Additions to real estate accounted for using the direct financing method
Contributions to unconsolidated affiliates
Distributions received from unconsolidated affiliates
Increase in mortgages and notes receivable
Mortgage and notes payments received
Increase in mortgages and other receivables from unconsolidated affiliates
Payments received on mortgages and other receivables from unconsolidated 

affiliates

Captec Net Lease Realty, Inc. acquisition, net of cash received
Other

Net cash provided by (used in) investing activities

Year Ended December 31,

2002

2001

2000

$

48,058

$

28,963 $

38,251

854

11,742

3,285

128

(555)
–

(3,914)
(260)
–

2,165
–
(685)
840
(3,172)
(379)
427
171
58,705

274

9,211

–

107

(515)
12,582

1,938
(4,648)
–

1,979
–
(645)
(283)
(2,209)
(2,803)
(1,696)
(4,247)
38,008

29,329
(40,159)
(3,201)
(14,500)
2,810
–
7,637
(120,569)

178,548

–
88
39,983

45,288
(19,836)

–

(11,750)

–
–
1,689
(114,888)

82,506
(7,696)
265
(24,422)

–

9,088

–

93

(479)
1,521

4,740
(4,091)
367

2,048
1,454
998
(418)
(3,081)
(336)
470
(427)
50,198

29,832
(2,015)
(1,984)
–
–
(520)
4,730
(70,967)

19,677

–
(1,125)
(22,372)

40

See accompanying notes to consolidated financial statements.

See accompanying notes to consolidated financial statements.

41

COMMERCIAL NET LEASE REALTY, INC. & SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS - CONTINUED
(dollars in thousands)

Cash flows from financing activities:

Proceeds from line of credit payable
Repayment of line of credit payable
Proceeds from mortgages payable
Repayment of mortgages payable
Proceeds from notes payable
Repayment of notes payable
Payment of debt costs
Proceeds from issuance of common stock
Payment of stock issuance costs
Repurchase of common stock
Payment of preferred stock dividends
Payment of common stock dividends
Other

Net cash used in financing activities

Net increase (decrease) in cash and cash equivalents

Cash and cash equivalents at beginning of year

Year Ended December 31,
2001

2000

2002

111,500
(180,000)
21,000
(2,530)
49,713
(50,000)
(1,145)
2,725
(4)
–
(4,007)
(51,177)

–

(103,925)

(5,237)

6,974

157,200
(151,500)

–
(2,146)
70,000
(101,213)
(186)
61,062
(3,272)
–
–

(38,637)
(110)
(8,802)

4,784

2,190

71,200
(78,200)

–
(3,078)
19,874

–
(1,481)
578
(9)
(48)
–

(37,760)
(41)
(28,965)

(1,139)

3,329

Cash and cash equivalents at end of year

$

1,737

$

6,974

$

2,190

Supplemental disclosure of cash flow information – interest paid, net of 

amount capitalized

$

26,119

$

27,509

$

26,957

Supplemental disclosure of non-cash investing and financing activities:
Issued 1,999,974 shares of preferred stock and 4,349,918 shares of 

common stock in 2001 in connection with the merger of Captec Net 
Lease Realty, Inc. (“Captec”) in December 2001 (see Note 15)

Issued 973,920 and 150,158 shares of common stock in 2001 and 2000, 

respectively, in connection with the acquisition of the Company’s advisor

Issued 64,000 and 239,000 shares of common stock in 2002 and 2001, 
respectively, in connection with the Company’s 2000 Performance 
Incentive Plan

Preferred stock dividends for non-dissenting, unexchanged shares held by 

the Company in connection with the merger of Captec 

Common stock dividends for non-dissenting, unexchanged shares held by 

the Company in connection with the merger of Captec 

Cash consideration for non-dissenting, unexchanged shares held by the 

Company in connection with the merger of Captec 

Liability for the consideration due to the dissenting stockholders in 

connection with the merger of Captec (see Note 20)

Mortgage notes accepted in connection with the disposition of real estate
Real estate and other assets contributed to unconsolidated affiliate in 

exchange for additional paid in capital

$

$

$

$

$

$

$
$

$

–

–

982

3

1

3

13,278
599

–

$ 109,767

$

12,582

$

$

$

$

$
$

$

3,190

–

–

–

–
610

20,042

$

$

$

$

$

$

$
$

$

–

1,521

–

–

–

–

–
1,425

–

40

See accompanying notes to consolidated financial statements.

See accompanying notes to consolidated financial statements.

41

COMMERCIAL NET LEASE REALTY, INC. & SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
Years Ended December 31, 2002, 2001 and 2000

1.  Organization and Summary of Significant Accounting Policies:

Organization and Nature of Business – Commercial Net Lease Realty, Inc., a Maryland corporation, is 
a fully integrated real estate investment trust formed in 1984.  Commercial Net Lease Realty, Inc. acquires, 
owns, manages and indirectly, through investment interests, develops high-quality, freestanding properties 
that are generally leased to major retail businesses under long-term commercial net leases.

Principles of Consolidation – The consolidated financial statements include the accounts of Commercial 
Net Lease Realty, Inc. and its 19 wholly-owned subsidiaries (the “Company”).  Each of the subsidiaries is a 
qualified real estate investment trust subsidiary as defined in the Internal Revenue Code section 856(i)(2).  All 
significant intercompany accounts and transactions have been eliminated in consolidation.

Real Estate and Lease Accounting – The Company records the acquisition of real estate at cost, including 
acquisition and closing costs.  The cost of properties developed by the Company includes direct and indirect 
costs of construction, property taxes, interest and other miscellaneous costs incurred during the development 
period until the project is substantially complete and available for occupancy.

Real estate is generally leased to others on a net lease basis, whereby the tenant is responsible for all operating 
expenses relating to the property, including property taxes, insurance, maintenance and repairs.  The leases are 
accounted for using either the operating or the direct financing method.  Such methods are described below:

Operating method – Leases accounted for using the operating method are recorded at the cost of the real 
estate.  Revenue is recognized as rentals are earned and expenses (including depreciation) are charged to 
operations as incurred.  Buildings are depreciated on the straight-line method over their estimated useful 
lives (generally 35 to 40 years).  Leasehold interests are amortized on the straight-line method over the 
terms of their respective leases.  When scheduled rentals vary during the lease term, income is recognized 
on a straight-line basis so as to produce a constant periodic rent over the term of the lease.  Accrued rental 
income is the aggregate difference between the scheduled rents which vary during the lease term and the 
income recognized on a straight-line basis.

Direct financing method – Leases accounted for using the direct financing method are recorded at their net 
investment (which at the inception of the lease generally represents the cost of the property).  Unearned 
income is deferred and amortized into income over the lease terms so as to produce a constant periodic rate 
of return on the Company’s net investment in the leases.

Effective in October 2000, the Company adopted the Securities and Exchange Commission’s Staff Accounting 
Bulletin 101, “Revenue Recognition,” which established accounting and reporting standards for the recognition 
of contingent rental income.  Accordingly, the Company modified its revenue recognition policy and recognizes 
contingent rental income based on the tenants’ actual gross quarterly or annual sales pursuant to the terms of 
the leases.  Adoption of this Bulletin resulted in a cumulative effect adjustment of $367,000, which reduced net 
earnings for the year ended December 31, 2000.

42

thirteen consecutive years of increased dividends

43

When real estate is disposed of, the related cost, accumulated depreciation or amortization and any accrued 
rental income for operating leases and the net investment for direct financing leases are removed from the 
accounts and gains and losses from the dispositions are reflected in income.

Management reviews its real estate for impairment whenever events or changes in circumstances indicate that 
the carrying value of the asset, including accrued rental income, may not be recoverable through operations.  
Management determines whether an impairment in value has occurred by comparing the estimated future 
cash flows (undiscounted and without interest charges), including the residual value of the real estate, with the 
carrying cost of the individual asset.  If an impairment is indicated, a loss will be recorded for the amount by 
which the carrying value of the asset exceeds its fair value.

Investment in Unconsolidated Affiliates – The Company accounts for each of its investments in an 
unconsolidated affiliate under the equity method of accounting (see Note 4).

Cash and Cash Equivalents – The Company considers all highly liquid investments with a maturity of three 
months or less when purchased to be cash equivalents.  Cash and cash equivalents consist of cash, money 
market and escrow deposit accounts.  Cash equivalents are stated at cost plus accrued interest, which 
approximates fair value.

Cash accounts maintained on behalf of the Company in demand deposits at commercial banks and money 
market funds may exceed federally insured levels; however, the Company has not experienced any losses in 
such accounts.  The Company limits investment of temporary cash investments to financial institutions with 
high credit standing; therefore, management believes it is not exposed to any significant credit risk on cash and 
cash equivalents.

Debt Costs – Debt costs incurred in connection with the Company’s $200,000,000 line of credit, term note 
payable and mortgages payable have been deferred and are being amortized over the term of the respective 
loan commitment using the straight-line method which approximates the effective interest method. Debt costs 
incurred in connection with the issuance of the Company’s notes payable have been deferred and are being 
amortized over the term of the respective debt obligation using the effective interest method.

Stock-Based Compensation – The Financial Accounting Standards Board (“FASB”) issued Financial 
Accounting Standard (“FAS”) No. 123, “Accounting for Stock-Based Compensation,” to encourage the use of a 
fair-value method of accounting for stock-based awards under which the fair value of stock options is 
determined on the date of grant and expensed over the vesting period.  As allowed by FAS 123, the Company 
has elected to account for its stock-based compensation plan under the intrinsic value-based method of 
accounting prescribed by Accounting Principles Board (“APB”) Opinion No. 25, “Accounting for Stock issued to 
Employees.”  Under APB 25, compensation expense is recorded on the date of grant if the current market price 
of the underlying stock exceeds the exercise price.  The Company has adopted the disclosure requirements 
of FAS 123 (see Note 14).  The following table illustrates the effect on net earnings available to common 
stockholders and earnings per common share if the Company had applied the fair value recognition provisions 

42

thirteen consecutive years of increased dividends

43

of FASB Statement No. 123, “Accounting for Stock-Based Compensation,” to stock based compensation for the 
years ended December 31 (dollars in thousands, except per share data):

2002

2001

2000

Net earnings available to common stockholders as reported
Less total stock-based employee compensation expense 

determined under the fair value based method

Pro forma net earnings available to common stockholders

$ 44,048

$ 28,963

$ 38,251

(27)
$ 44,021

(64)
$ 28,899

(233)
$ 38,018

Earnings available to common stockholders per common 

share as reported:

Basic
Diluted

Pro forma earnings available to common stockholders per 

common share:

Basic
Diluted

$
$

$
$

1.09
1.09

1.09
1.08

$
$

$
$

0.92
0.91

0.92
0.91

$
$

$
$

1.26
1.26

1.25
1.25

Income Taxes – The Company has made an election to be taxed as a real estate investment trust under 
Sections 856 through 860 of the Internal Revenue Code of 1986, as amended, and related regulations.  The 
Company generally will not be subject to federal income taxes on amounts distributed to stockholders, 
providing it distributes at least 95 percent of its real estate investment trust taxable income, 90 percent 
effective January 1, 2001, and meets certain other requirements for qualifying as a real estate investment trust.  
For each of the years in the three-year period ended December 31, 2002, the Company believes it has qualified 
as a real estate investment trust; accordingly, no provisions have been made for federal income taxes in the 
accompanying consolidated financial statements.  Not withstanding the Company’s qualification for taxation as 
a real estate investment trust, the Company is subject to certain state taxes on its income and real estate.

Income taxes of Commercial Net Lease Realty Services, Inc., an unconsolidated affiliate of the Company, 
are accounted for under the asset and liability method.  Deferred tax assets and liabilities are recognized for 
the future tax consequences attributable to differences between the financial statement carrying amounts of 
existing assets and liabilities and their respective tax bases and operating loss and tax credit carry forwards. 
Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in 
the years in which those temporary differences are expected to be recovered or settled.  The effect on deferred 
tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the 
enactment date.

Earnings Per Share – Basic earnings per share are calculated based upon the weighted average number 
of common shares outstanding during each year, and diluted earnings per share are calculated based upon 
weighted average number of common shares outstanding plus dilutive potential common shares (see Note 13).

44

thirteen consecutive years of increased dividends

45

New Accounting Standards – In June 2001, the FASB issued FAS No. 141, “Business Combinations.”  This 
statement addresses financial accounting and reporting for business combinations and supersedes APB Opinion 
No. 16, Business Combinations, and FASB Statement No. 38, Accounting for Preacquisition Contingencies of Purchased 
Enterprises.  All business combinations in the scope of this statement are to be accounted for using one method, 
the purchase method.  The provisions of this statement apply to all business combinations initiated after 
June 30, 2001. The adoption of this statement did not have a significant impact on the Company’s results of 
operations, nor the accounting for the merger transaction (see Note 15).

In June 2001, the FASB issued FAS No. 142, “Goodwill and Other Intangible Assets.”  This statement addresses 
financial accounting and reporting for acquired goodwill and other intangible assets and supersedes APB 
Opinion No. 17, Intangible Assets.  This statement addresses how intangible assets that are acquired individually 
or with a group of other assets (but not those acquired in a business combination) should be accounted for in 
financial statements upon their acquisition.  This statement also addresses how goodwill and other intangible 
assets should be accounted for after they have been initially recognized in the financial statements.  This 
statement is effective for fiscal years beginning after December 15, 2001 and interim periods within those 
fiscal years.  Adoption of this statement did not have a significant impact on the financial position or results of 
operations of the Company.

In August 2001, the FASB issued FAS No. 143, “Accounting for Asset Retirement Obligations.”   This statement 
is effective for the fiscal years beginning after June 15, 2002.   This statement addresses financial accounting 
and reporting obligations associated with the retirement of tangible long-lived assets and for the associated 
asset retirement costs.  It requires an enterprise to record the fair value of an asset retirement obligation as a 
liability in the period in which it incurs a legal obligation associated with the retirement of tangible long-lived 
assets that result from the acquisition, construction, development and (or) normal use of the assets.  This 
statement also addresses when to record a corresponding increase to the carrying amount of the related long-
lived asset and to depreciate that cost over the life of the asset.  The Company is currently evaluating this 
statement to determine what impact it will have on the Company’s consolidated financial statements.

In October 2001, the FASB issued FAS Statement No. 144, “Accounting for the Impairment or Disposal 
of Long-Lived Assets.”  This statement addresses financial accounting and reporting for the impairment 
or disposal of long-lived assets and broadens the presentation of discontinued operations in the income 
statement to include a component of an entity (rather than a segment of a business).  A component of an 
entity comprises operations and cash flows that can be clearly distinguished, operationally and for financial 
reporting purposes, from the rest of the entity.  In a period in which a component of an entity either has 
been disposed of or is classified as held for sale, the income statement of a business enterprise for current and 
prior periods shall report the results of operations of the component, including any gain or loss recognized, 
in discontinued operations.  This statement is effective for fiscal years beginning after December 15, 2001 and 
interim periods within those fiscal years.  The adoption of this statement did not have a significant impact 
on the financial position or results of operations of the Company.  However, the Company did reclassify 
the results of operations related to the three properties classified as held for sale at December 31, 2002 and 
19 properties sold during the year ended December 31, 2002 from earnings from continuing operations to 
earnings from discontinued operations in accordance with the statement (see Note 12).

44

thirteen consecutive years of increased dividends

45

In April 2002, the FASB issued FAS Statement No. 145, “Rescission of FASB Statements No. 4, 44, and 64, 
Amendment of FASB Statement No. 13, and Technical Corrections.”  This statement rescinds FASB Statement 
No. 4, “Reporting Gains and Losses from Extinguishment of Debt,” and an amendment of that statement, FASB 
Statement No. 64, “Extinguishments of Debt Made to Satisfy Sinking-Fund Requirements.” This statement 
also rescinds FASB Statement No. 44, “Accounting for Intangible Assets of Motor Carriers.” This statement 
amends FASB Statement No. 13, “Accounting for Leases,” to eliminate an inconsistency between the required 
accounting for sale-leaseback transactions and the required accounting for certain lease modifications that 
have economic effects that are similar to sale-leaseback transactions.  This statement also amends other 
existing authoritative pronouncements to make various technical corrections, clarify meanings, or describe 
their applicability under changed conditions.  The provisions of this statement related to the rescission of 
Statement 4 are applicable in fiscal years beginning after May 15, 2002.  The provisions of this statement 
related to Statement 13 are effective for transactions occurring after May 15, 2002.  All other provisions of 
this statement are effective for financial statements issued on or after May 15, 2002.  The provisions of this 
statement, excluding those related to the rescission of Statement 4, did not have a significant impact on the 
financial position or results of operations of the Company.  The provisions of this statement related to the 
rescission of Statement 4 are not expected to have a significant impact on the financial position or results of 
operations of the Company.

In July 2002, the FASB issued FAS Statement No. 146, “Accounting for Costs Associated with Exit or Disposal 
Activities.” The statement requires companies to recognize costs associated with exit or disposal activities 
when they are incurred rather than at the date of a commitment to an exit or disposal plan.  Examples of 
costs covered by the statement include lease termination costs and certain employee severance costs that are 
associated with a restructuring, discontinued operation, plant closing, or other exit or disposal activity.  The 
statement is to be applied prospectively to exit or disposal activities initiated after December 31, 2002.  The 
adoption of this statement is not expected to have a significant impact on the financial position or results of 
operations of the Company.

In November 2002, the FASB issued FASB Interpretation No. 45, “Guarantor’s Accounting and Disclosure 
Requirements for Guarantees, Including Indirect Guarantees of Indebtedness of Others.”  This interpretation 
elaborates on the disclosures to be made by a guarantor in its interim and annual financial statements about 
its obligations under certain guarantees that it has issued.  It also clarifies that a guarantor is required to 
recognize, at the inception of a guarantee, a liability for the fair value of the obligation undertaken in issuing the 
guarantee. This interpretation does not prescribe a specific approach for subsequently measuring the guarantor’s 
recognized liability over the term of the related guarantee.  The initial recognition and initial measurement 
provisions of this interpretation are applicable on a prospective basis to guarantees issued or modified after 
December 31, 2002, irrespective of the guarantor’s fiscal year-end.  The disclosure requirements in this 
interpretation are effective for financial statements of interim or annual periods ending after December 15, 
2002.  The interpretive guidance incorporated without change from FASB Interpretation 34 continues to be 
required for financial statements for fiscal years ending after June 15, 1981 – the effective date of 
Interpretation 34.  

46

thirteen consecutive years of increased dividends

47

In December 2002, the FASB issued FAS Statement No. 148, “Accounting for Stock-Based Compensation - 
Transition and Disclosure (an amendment of FAS No. 123)”.  This statement amends FAS No. 123, “Accounting 
for Stock-Based Compensation” (“FAS 123”), to provide alternative methods of transition for a voluntary 
change to the fair value based method of accounting for stock-based employee compensation.  In addition, this 
statement amends the disclosure requirements of FAS 123 to require prominent disclosures in both annual 
and interim financial statements about the method of accounting for stock-based employee compensation and 
the effect of the method used on reported results.  The amendments to FAS 123 in paragraphs 2(a)–2(e) of the 
statement shall be effective for financial statements for fiscal years ending after December 15, 2002.  Earlier 
application of the transition provisions in paragraphs 2(a)–2(d) is permitted for entities with a fiscal year 
ending prior to December 15, 2002, provided that financial statements for the 2002 fiscal year have not been 
issued as of the date this statement is issued.  Early application of the disclosure provisions in paragraph 2(e) 
is encouraged.  The amendment to FAS 123 in paragraph 2(f) of this statement and the amendment to Opinion 
28 in paragraph 3 shall be effective for financial reports containing condensed financial statements for interim 
periods beginning after December 15, 2002.  Early application is encouraged.

In January 2003, the FASB issued FASB Interpretation No. 46, “Consolidation of Variable Interest Entities.”  
This Interpretation of Accounting Research Bulletin No. 51, Consolidated Financial Statements, addresses 
consolidation by business enterprises of variable interest entities.  A variable interest entity refers to certain 
entities subject to consolidation according to the provisions of this interpretation.  This interpretation requires 
existing unconsolidated variable interest entities to be consolidated by their primary beneficiaries if the 
variable interest entities do not effectively disperse risks among parties involved.  The primary beneficiary of 
a variable interest entity is the party that absorbs a majority of the entity’s expected losses, receives a majority 
of its expected residual returns, or both, as a result of holding variable interests, which are the ownership, 
contractual, or other pecuniary interests in an entity.  Certain disclosures are also required by enterprises that 
hold significant variable interests in a variable interest.  This interpretation applies immediately to variable 
interest entities created after January 31, 2003, and to variable interest entities in which an enterprise obtains 
an interest after that date.  It applies in the first fiscal year or interim period beginning after June 15, 2003, 
to variable interest entities in which an enterprise holds a variable interest that it acquired before February 1, 
2003.  The interpretation applies to public enterprises as of the beginning of the applicable interim or annual 
period, and it applies to nonpublic enterprises as of the end of the applicable annual period.  This interpretation 
may be applied prospectively with a cumulative effect adjustment as of the date on which it is first applied or by 
restating previously issued financial statements for one or more years with a cumulative effect adjustment as of 
the beginning of the first year restated.  The Company is currently evaluating this interpretation to determine 
what impact it will have on the Company’s consolidated financial statements.  Although, at this time, the 
Company believes that Commercial Net Lease Realty Services, Inc. will be considered a variable interest entity 
subject to consolidation according to the provisions of this interpretation (see Note 4).

Use of Estimates – Management of the Company has made a number of estimates and assumptions relating 
to the reporting of assets and liabilities, revenues and expenses and the disclosure of contingent assets and 
liabilities to prepare these consolidated financial statements in conformity with accounting principles generally 
accepted in the United States of America.  Actual results could differ from those estimates.

46

thirteen consecutive years of increased dividends

47

Reclassification – Certain items in prior years’ financial statements and notes to consolidated financial 
statements have been reclassified to conform with the 2002 presentation.  These reclassifications had no effect 
on stockholders’ equity or net earnings.

2.  Leases:

The Company generally leases its real estate to operators of major retail businesses.  As of December 31, 2002, 
255 of the leases have been classified as operating leases and 69 leases have been classified as direct financing 
leases.  For the leases classified as direct financing leases, the building portions of the property leases are 
accounted for as direct financing leases while the land portions of 44 of these leases are accounted for as 
operating leases.  Substantially all leases have initial terms of 10 to 20 years (expiring between 2003 and 2025) 
and provide for minimum rentals.  In addition, the majority of the leases provide for contingent rentals and/or 
scheduled rent increases over the terms of the leases.  The tenant is also generally required to pay all property 
taxes and assessments, substantially maintain the interior and exterior of the building and carry insurance 
coverage for public liability, property damage, fire and extended coverage.  The lease options generally allow 
tenants to renew the leases for one to four successive five-year periods subject to substantially the same terms 
and conditions as the initial lease.

3.  Real Estate:

Accounted for Using the Operating Method – Real estate subject to operating leases consisted of the 
following at December 31 (dollars in thousands):

Land
Buildings and improvements
Leasehold interests

Less accumulated depreciation and amortization

Construction in progress

Less provision for loss on impairment of real estate

2002

2001

$

$

349,267
392,172
3,381
744,820
(38,671)
706,149
298
706,447
(2,982)
703,465

$

$

346,271
385,857
3,381
735,509
(31,678)
703,831
2,574
706,405
(125)
706,280

Some leases provide for scheduled rent increases throughout the lease term.  Such amounts are recognized on 
a straight-line basis over the terms of the leases.  For the years ended December 31, 2002, 2001 and 2000, the 
Company recognized $3,223,000, $2,259,000 and $3,162,000, respectively, of such income.  At December 31, 
2002 and 2001, the balance of accrued rental income was $19,172,000 and $16,184,000, net of allowances of 
$998,000 and $228,000, respectively.

48

thirteen consecutive years of increased dividends

49

The following is a schedule of future minimum lease payments to be received on noncancellable operating 
leases at December 31, 2002 (dollars in thousands):

2003
2004
2005
2006
2007
Thereafter

$

70,554
70,695
71,189
71,361
69,537
544,260
$ 897,596

Since lease renewal periods are exercisable at the option of the tenant, the above table only presents future 
minimum lease payments due during the initial lease terms.  In addition, this table does not include any 
amounts for future contingent rents which may be received on the leases based on a percentage of the tenant’s 
gross sales.

Accounted for Using the Direct Financing Method – The following lists the components of net investment 
in direct financing leases at December 31 (dollars in thousands): 

2002

2001

Minimum lease payments to be received
Estimated residual values
Less unearned income
Net investment in direct financing leases

$ 191,994
33,829
(117,515)
$ 108,308

$ 197,269
33,029
(123,026)
$ 107,272

The following is a schedule of future minimum lease payments to be received on direct financing leases at 
December 31, 2002 (dollars in thousands):

2003
2004
2005
2006
2007
Thereafter

$

13,636
13,746
13,824
13,862
13,920
123,006
$ 191,994

The above table does not include future minimum lease payments for renewal periods or for contingent 
rental payments that may become due in future periods (See Real Estate – Accounted for Using the 
Operating Method).

48

thirteen consecutive years of increased dividends

49

4.  Investments in Unconsolidated Affiliates:

In May 1999, the Company transferred its build-to-suit development operation to a 95 percent owned, taxable 
unconsolidated subsidiary, Commercial Net Lease Realty Services, Inc. (“Services”), an unconsolidated 
affiliate whose officers and directors consist of certain officers and directors of the Company.  The Company 
contributed $5,700,000 of real estate and other assets to Services in exchange for shares of non-voting common 
stock.  In connection with its contribution, the Company received a 95 percent, non-controlling interest in 
Services and was entitled to receive 95 percent of the dividends paid by Services.  On December 31, 2001, 
the Company contributed an additional $20,042,000 of real estate.  As a result of its additional contribution, 
effective January 1, 2002 the Company holds a 98.7 percent, non-controlling interest in Services and is entitled 
to receive 98.7 percent of the dividends paid by Services.   Gary M. Ralston, James M. Seneff, Jr. and Kevin 
B. Habicht, each of which are officers and directors of the Company, own the remaining 1.3 percent interest, 
which is 100 percent of the voting interest in Services.  The Company accounts for its interest in Services under 
the equity method of accounting.

The Company’s existing Amended and Restated Secured Revolving Line of Credit and Security Agreement 
(the “Security Agreement”) with Services allows for a borrowing capacity of $85,000,000.  The credit 
facility is secured by a first mortgage on Services’ properties and bears interest at prime rate plus 0.25%.  
The outstanding principal balance of the mortgage at December 31, 2002 and 2001 was $14,846,000 and 
$75,842,000, respectively, and bore interest at a rate of 4.5% and 5.0%, respectively.  In February and May 
2002, the Company modified an existing secured revolving line of credit and security agreement with a 
wholly-owned subsidiary of Services to increase the borrowing capacity from $32,000,000 to $40,000,000 
and from $40,000,000 to $45,000,000, respectively.  In December 2002, the Company modified an existing 
secured revolving line of credit and security agreement with another wholly-owned subsidiary of Services 
to (i) increase the borrowing capacity from $7,500,000 to $25,000,000 and (ii) add a second wholly-owned 
subsidiary of Services to this agreement, making each subsidiary a co-borrower.  All secured revolving lines 
of credit and security agreements between the Company and any wholly-owned subsidiaries of Services are 
collectively referred to as the “Subsidiary Agreements.”  The Subsidiary Agreements provide for an aggregate 
borrowing capacity of $86,000,000 and bear interest at prime rate plus 0.25%.  The aggregate outstanding 
principal balance of the Subsidiary Agreements at December 31, 2002 and 2001 were $38,722,000 and 
$34,924,000, respectively, and bore interest at a rate of 4.5% and 5.0%, respectively.  The Security Agreement 
and the Subsidiary Agreements provide an aggregate borrowing capacity of $171,000,000 to Services and its 
wholly-owned subsidiaries and each agreement has an expiration date of October 31, 2003.

In connection with the mortgages and other receivables from Services and its wholly-owned subsidiaries, 
the Company received $4,621,000, $6,999,000 and $6,181,000 in interest and fees during the years ended 
December 31, 2002, 2001 and 2000, respectively.  In addition, Services paid the Company $678,000, 
$678,000 and $407,000 in expense reimbursements for accounting and technology services provided by the 
Company during the years ended December 31, 2002, 2001 and 2000.    

50

thirteen consecutive years of increased dividends

51

In February 2002, the Company acquired four properties from Services at fair market value for an aggregate 
cost of $15,918,000.  In addition, in June 2002, the Company acquired one property from a wholly-owned 
subsidiary of Services at fair market value for a cost of $12,648,000.  No gain was recognized by Services or its 
wholly-owned subsidiary on these sales.

The following presents Services’ consolidated condensed financial information (dollars in thousands):

Real estate, net of accumulated depreciation
Investments in unconsolidated affiliates
Cash and cash equivalents
Notes receivable from related parties
Other assets
  Total assets

Mortgage and other payables due to related parties
Mortgage payable
Other liabilities

Total liabilities

Stockholders’ equity

December 31,

2002

2001

$

$

$

44,940 $
847
289
23,986
7,258

96,362
4,578
258
23,814
8,156
77,320 $ 133,168

53,872 $ 111,920

2,323
2,530
58,725

–
3,383
115,303

18,595

17,865

Total liabilities and stockholders’ equity

$

77,320 $ 133,168

For the Year Ended December 31,
2001
2002

2000

Revenues
Net earnings (loss)

$ 7,949
621
$

$ 9,037
$ 4,120
$ (2,145) $ (4,669)

For the years ended December 31, 2002, 2001 and 2000, the Company recognized earnings (loss) of $613,000, 
$(2,212,000) and $(4,435,000), respectively, from Services.

In September 1997, the Company entered into a Partnership arrangement, Net Lease Institutional Realty, L.P. 
(the “Partnership”), with the Northern Trust Company, as Trustee of the Retirement Plan for Chicago Transit 
Authority Employees (“CTA”).  The Company is the sole general partner with a  20 percent interest in the 
Partnership and CTA is the sole limited partner with an 80 percent interest in the Partnership.  The Company 
accounts for its 20 percent interest in the Partnership under the equity method of accounting.  The Partnership 
owns and leases nine properties to retail tenants under long-term, commercial net leases.  The Company 
received $66,000 and $281,000 in distributions from Partnership for the years ended December 31, 2002 
and 2001, respectively.  For the years ended December 31, 2002, 2001 and 2000, the Company recognized 

50

thirteen consecutive years of increased dividends

51

income of $270,000, $278,000 and $455,000, respectively, from the Partnership.  The Company manages 
the Partnership and pursuant to a management agreement, the Partnership paid the Company $193,000, 
$200,000 and $273,000 in asset management fees during the years ended December 31, 2002, 2001 and 2000, 
respectively.  

The Company has entered into four limited liability company (“LLC”) agreements with CNL Commercial 
Finance, Inc., a related party: CNL Commercial Mortgage Holdings I, LLC (“CCMH I”) in June 2001; 
CNL Commercial Mortgage Holdings II, LLC (“CCMH II”) in December 2001; CNL Commercial Mortgage 
Holdings III, LLC (“CCMH III”) in June 2002; and CNL Commercial Mortgage Holdings IV, LLC (“CCMH 
IV”) in December 2002.  Each of the LLCs holds an interest in mortgage loans and is 100 percent equity 
financed with no third party debt.  The Company holds a non-voting and non-controlling interest in CCMH 
I, CCMH II, CCMH III and CCMH IV (collectively, “CCMH LLCs”) of 42.7, 44.0, 36.7 and 38.3 percent, 
respectively, in these investments and accounts for its interests under the equity method of accounting.  
During the year ended December 31, 2002, the Company received $2,333,000 in distributions.

The following presents the combined condensed financial information of the CCMH LLCs (dollars in 
thousands):

Mortgage assets
Receivable from a related party
Other assets
  Total assets

Total liabilities
Members’ equity

Total liabilities and members’ equity

December 31,

2002

2001

$

$

$

$

51,950
3,814
1
55,765

–

55,765
55,765

$

$

$

$

24,803

–
1
24,804

–

24,804
24,804

For the Year Ended 
December 31,
2001

2002

Revenues
Net earnings

$ 5,035
$ 5,035

$ 1,097
$ 1,097

For the years ended December 31, 2002 and 2001, the Company recognized $2,445,000 and $459,000 of 
income, respectively, from the CCMH LLCs.

In May 2002, the Company purchased a combined 25 percent partnership interest for $750,000, in CNL Plaza, 
Ltd. and CNL Plaza Venture, Ltd. (collectively, “Plaza”) which owns a 346,000 square foot office building 
and an interest in an adjacent parking garage.  Affiliates of James M. Seneff, Jr., an officer and director of 

52

thirteen consecutive years of increased dividends

53

the Company, and Robert A. Bourne, a member of the Company’s board of directors, own the remaining 
partnership interests.  The Company has severally guaranteed 41.67% of a $15,500,000 unsecured promissory 
note on behalf of Plaza.  The maximum obligation to the Company is $6,458,300 plus interest.  Interest accrues 
at a rate of LIBOR plus 200 basis point per annum on the unpaid principal amount.  This guarantee shall 
continue through the loan maturity in November 2004.  For the year ended December 31, 2002, the Company 
received $411,000 in distributions and recognized a loss of $112,000 from Plaza.

Since November 1999, the Company and Services has leased its office space from Plaza.  The Company’s lease 
expires in October 2014.  In addition, other affiliates of James M. Seneff, Jr. also lease office space from Plaza.  
The Company and the other affiliates lease an aggregate of the 57.8% of the 346,000 square foot office building. 
During the years ended December 31, 2002, 2001 and 2000, the Company and Services incurred rental 
expenses in connection with the lease of $1,168,000, $1,173,000 and $1,020,000, respectively.  In May 2000, 
the Company subleased a portion of its office space to affiliates of James M. Seneff, Jr., an officer and director 
of the Company. During the years ended December 31, 2002, 2001 and 2000, the Company earned $225,000, 
$368,000 and $248,000, respectively, in rental income and recognized $45,000, $74,000 and $143,000, 
respectively, in accrued rental income related to these subleases.  

The following presents a reconciliation of investment in unconsolidated affiliates as of December 31 (dollars 
in thousands):

Services, consolidated:

Investment
Mortgage receivable
Lines of credit receivable

CCMH LLCs investments
Other:

Investments
Receivables

2002

2001

$

18,469
14,846
38,722
26,071

$

17,303
75,842
34,924
12,209

4,508
17
$ 102,633

3,942
16
$ 144,236

The following presents a reconciliation of equity in earnings of unconsolidated affiliates for the years ended 
December 31 (dollars in thousands):

2002

2001

2000

Services, consolidated
CCMH LLCs
Other

$

613 $ (2,212) $ (4,435)
459
278

–
455
$ 3,216 $ (1,475) $ (3,980)

2,445
158

52

thirteen consecutive years of increased dividends

53

 
 
5.  Line of Credit Payable:

In October 2000, the Company entered into an amended and restated loan agreement for a $200,000,000 
revolving credit facility (the “Credit Facility”) which amended the Company’s existing credit facility by (i) 
lowering the interest rates of the tiered rate structure to a maximum rate of 150 basis points above LIBOR 
(based upon the debt rating of the Company), (ii) extending the expiration date to October 31, 2003, and 
(iii) amending certain of the financial covenants of the Company’s existing loan agreement.  In connection 
with the Credit Facility, the Company is required to pay a commitment fee of 25 basis points per annum on 
the commitment.  The principal balance is due in full upon termination of the Credit Facility on October 31, 
2003, which the Company may request to be extended for an additional 12 month period with the consent 
of the lender.  Interest incurred on prime rate advances on the Credit Facility is payable quarterly.  LIBOR 
rate advances have maturity periods ranging from one week to six months, whichever the Company selects, 
with interest payable at the end of the selected maturity period.  All unpaid interest is due in full upon 
termination of the Credit Facility.  The terms of the Credit Facility include financial covenants which provide 
for the maintenance of certain financial ratios.  The Company was in compliance with such covenants as of 
December 31, 2002.

For the years ended December 31, 2002, 2001 and 2000, interest cost incurred was $2,562,000, $5,762,000 and 
$9,027,000, respectively, of which $1,000, $1,000 and $134,000, respectively, was capitalized by the Company 
as a cost of buildings constructed for its own use, and $3,162,000, $5,310,000 and $8,380,000, respectively, 
was charged to operations. 

6.  Mortgages Payable:

In January 1996, the Company entered into a long-term, fixed rate mortgage and security agreement for 
$39,450,000.  The loan provides for a 10-year mortgage with principal and interest of $330,000 payable 
monthly, based on a 17-year amortization, with the balance due in February 2006 and bears interest at a rate 
of 7.435% per annum.  The mortgage is collateralized by a first lien on and assignments of rents and leases 
of certain of the Company’s properties.  As of December 31, 2002, the aggregate carrying value of these 
properties totaled $63,026,000.  The outstanding principal balance as of December 31, 2002 and 2001 was 
$28,059,000 and $29,861,000, respectively.  

The Company has acquired four Properties each subject to a mortgage totaling $7,214,000 (collectively the 
“Mortgages”) with the maturities between December 2007 and December 2010.  The Mortgages bear interest 
at a weighted average rate of 8.6% and have a weighted average maturity of 3.9 years, with current principal 
and interest of $83,000 payable monthly.  In 2002, three of the properties were released as collateral and each 
was substituted with a letter of credit, collectively totaling $3,747,000.  As of December 31, 2002 and 2001, 
the outstanding principal balances for the Mortgages totaled $4,846,000 and $5,355,000, respectively.  As 
of December 31, 2002, the aggregate carrying value of the remaining property and letters of credit totaled 
$7,235,000.

54

thirteen consecutive years of increased dividends

55

In addition, in connection with the acquisition of Captec Net Lease Realty, Inc. (“Captec”) on December 1, 
2001, the Company acquired three properties, each subject to a mortgage, totaling $1,806,000 (collectively, the 
“Captec Mortgages”) with maturities between March 2014 and March 2019.  The Captec Mortgages bear interest 
at a weighted average rate of 9% and have a weighted maturity of 7.8 years, with current principal and interest 
of $25,000 payable monthly.  As of December 31, 2002 and 2001, the outstanding principal balances of the 
Captec Mortgages totaled $1,653,000 and $1,795,000, respectively.  As of December 31, 2002, the aggregate 
carrying value of these three properties totaled $4,178,000.

In June 2002, the Company entered into a long-term, fixed rate mortgage and security agreement for 
$21,000,000.  The loan provides for a 10-year mortgage with principal and interest of $138,000 payable 
monthly, based on a 30-year amortization, with the balance due in July 2012 and bears interest at a rate of 
6.9% per annum.  The mortgage is collateralized by a first lien on and assignments of rents and leases of five 
of the Company’s properties.  As of December 31, 2002, the outstanding principal balance was $20,923,000 
and the aggregate carrying value of these properties totaled $27,956,000.

The following is a schedule of the annual maturities of the Company’s mortgages payable for each of the next 
five years (dollars in thousands):

2003
2004
2005
2006
2007

$

$

2,904
3,163
3,420
22,937
1,261
33,685

7.  Notes Payable:

In March 1998, the Company filed a prospectus supplement to its $300,000,000 shelf registration statement 
and issued $100,000,000 of 7.125% notes due 2008 (the “2008 Notes”).  The 2008 Notes are senior, 
unsecured obligations of the Company and are subordinated to all secured indebtedness of the Company.  The 
2008 Notes were sold at a discount for an aggregate purchase price of $99,729,000 with interest payable semi-
annually commencing on September 15, 1998 (effective interest rate of 7.163%).  The discount of $271,000 is 
being amortized as interest expense over the term of the debt obligation using the effective interest method.  
The 2008 Notes are redeemable at the option of the Company, in whole or in part, at a redemption price 
equal to the sum of (i) the principal amount of the 2008 Notes being redeemed plus accrued interest thereon 
through the redemption date and (ii) the Make-Whole Amount, as defined in the Supplemental Indenture 
No. 1 dated March 25, 1998 for the 2008 Notes.  The terms of the indenture include financial covenants 
which provide for the maintenance of certain financial ratios.  The Company was in compliance with such 
covenants as of December 31, 2002.

In June 1999, the Company filed a prospectus supplement to its $300,000,000 shelf registration statement and 
issued $100,000,000 of 8.125% notes due 2004 (the “2004 Notes”). The 2004 Notes are senior, unsecured 
obligations of the Company and are subordinated to all secured indebtedness of the Company.  The 2004 

54

thirteen consecutive years of increased dividends

55

Notes were sold at a discount for an aggregate purchase price of $99,608,000 with interest payable semi-
annually commencing on December 15, 1999.  The discount of $392,000 is being amortized as interest 
expense over the term of the debt obligation using the effective interest method.  In connection with the debt 
offering, the Company entered into a treasury rate lock agreement which fixed a treasury rate of 5.1854% on 
a notional amount of $92,000,000.  Upon issuance of the 2004 Notes, the Company terminated the treasury 
rate lock agreement resulting in a gain of $2,679,000.  The gain has been deferred and is being amortized 
as an adjustment to interest expense over the term of the 2004 Notes using the effective interest method.  
The effective rate of the 2004 Notes, including the effects of the discount and the treasury rate lock gain, is 
7.547%.  The 2004 Notes are redeemable at the option of the Company, in whole or in part, at a redemption 
price equal to the sum of (i) the principal amount of the 2004 Notes being redeemed plus accrued interest 
thereon through the redemption date and (ii) the Make-Whole Amount, as defined in the Supplemental 
Indenture No. 2 dated June 21, 1999 for the 2004 Notes.  The terms of the indenture include financial 
covenants, which provide for the maintenance of certain financial ratios.  The Company was in compliance 
with such covenants as of December 31, 2002.  

In September 2000, the Company filed a prospectus supplement to its $300,000,000 shelf registration 
statement and issued $20,000,000 of 8.5% notes due 2010 (the “2010 Notes”).  The 2010 Notes are senior, 
unsecured obligations of the Company and are subordinated to all secured indebtedness of the Company.  
The 2010 Notes were sold at a discount for an aggregate purchase price of $19,874,000 with interest payable 
semi-annually commencing on March 20, 2001 (effective interest rate of 8.595%).  The discount of $126,000 
is being amortized as interest expense over the term of the debt obligation using the effective interest method.  
The 2010 Notes are redeemable at the option of the Company, in whole or in part, at a redemption price equal 
to the sum of (i) the principal amount of the 2010 Notes being redeemed plus accrued interest thereon through 
the redemption date and (ii) the Make-Whole Amount, as defined in the Supplemental Indenture No. 3 dated 
September 20, 2000 for the 2010 Notes.  The terms of the indenture include financial covenants, which 
provide for the maintenance of certain financial ratios.  The Company was in compliance with such covenants 
as of December 31, 2002.  

In June 2002, the Company filed a prospectus supplement to its $200,000,000 shelf registration statement 
and issued $50,000,000 of 7.75% notes due 2012 (the “2012 Notes”).  The 2012 Notes are senior, unsecured 
obligations of the Company and are subordinated to all secured indebtedness of the Company.  The 2012 
Notes were sold at a discount for an aggregate purchase price of $49,713,000 with interest payable semi-
annually commencing on December 1, 2002 (effective interest rate of 7.833%).  The discount of $287,000 is 
being amortized as interest expense over the term of the debt obligation using the effective interest method.  
The 2012 Notes are redeemable at the option of the Company, in whole or in part, at a redemption price equal 
to the sum of (i) the principal amount of the 2012 Notes being redeemed plus accrued interest thereon through 
the redemption date and (ii) the Make-Whole Amount, as defined in the Supplemental Indenture No. 4 dated 
May 30, 2002, for the 2012 Notes.  The terms of the indenture include financial covenants, which provide 
for the maintenance of certain financial ratios.  The Company was in compliance with such covenants as of 
December 31, 2002.  

56

thirteen consecutive years of increased dividends

57

In connection with the debt offerings, the Company incurred debt issuance costs totaling $2,918,000 consisting 
primarily of underwriting discounts and commissions, legal and accounting fees and rating agency fees.  
Debt issuance costs have been deferred and are being amortized over the term of the respective notes using 
the effective interest method.  The net proceeds from the debt offerings were used to pay down outstanding 
indebtedness of the Company’s Credit Facility and term note.

In November 2001, the Company entered into an unsecured $70,000,000 term note (“Term Note”), due 
November 30, 2004, to finance the acquisition of Captec and for the repayment of indebtedness and related 
expenses in connection therewith (see Note 15).  As of December 31, 2002, the Term Note had an outstanding 
principal balance of $20,000,000.  The Term Note bears interest at a rate of 175 basis points above LIBOR or 
3.17% at December 31, 2002.  The Company has the option to extend the maturity date of the Term Note for 
two additional twelve month periods if (i) the Company pays a fee equal to 0.25% of the outstanding principal 
balance of the Term Note and (ii) pays at least five percent of the outstanding principal balance of the Term 
Note immediately prior to the extension.

In connection with the Term Note, the Company incurred debt costs of $376,000 consisting primarily of bank 
commitment fees.  The Term Note costs have been deferred and are being amortized over the term of the loan 
commitment using the straight-line method which approximates the effective interest method.

8.  Preferred Stock:

In December 2001, the Company issued 1,999,974 shares of 9% Non-Voting Series A Preferred Stock 
(the “Perpetual Preferred Shares”) in connection with the acquisition of Captec (see Note 15).  Holders of 
the Perpetual Preferred Shares are entitled to receive, when and as authorized by the board of directors, 
cumulative preferential cash distributions at a rate of nine percent of the $25.00 liquidation preference per 
annum (equivalent to a fixed annual amount of $2.25 per share). The Perpetual Preferred Shares rank senior 
to the Company’s common stock with respect to distribution rights and rights upon liquidation, dissolution 
or winding up of the Company.  The Company may redeem the Perpetual Preferred Shares on or after 
December 31, 2006, in whole or from time to time in part, for cash, at a redemption price of $25.00 per share, 
plus all accumulated and unpaid distributions.

In 2002, as a result of a legal action in connection with the merger of Captec (see Note 20), the Company 
reduced the number of preferred shares issued and outstanding by 217,950.  

9.  Common Stock:

In November 1999, the Company announced the authorization by the Company’s board of directors to acquire 
up to $25,000,000 of the Company’s outstanding common stock either through open market transactions or 
through privately negotiated transactions.  As of December 31, 2002, the Company had acquired and retired 
249,200 of such shares for a total cost of $2,379,000.

In 2002, as a result of a legal action in connection with the merger of Captec (see Note 20), the Company 
reduced the number of common shares issued and outstanding by 474,037.

56

thirteen consecutive years of increased dividends

57

10.  Employee Benefit Plan:

Effective January 1, 1998, the Company adopted a defined contribution retirement plan (the “Retirement Plan”) 
covering substantially all of the employees of the Company.  The Retirement Plan permits participants to defer 
up to a maximum of 15 percent of their compensation, as defined in the Retirement Plan, subject to limits 
established by the Internal Revenue Code.  The Company matches 50 percent of the participants’ contributions 
up to a maximum of six percent of a participant’s annual compensation.  The Company’s contributions to 
the Retirement plan for the years ended December 31, 2002, 2001 and 2000 totaled $51,000, $46,000 and 
$36,000, respectively.

11. Dividends:

The following presents the characterization for tax purposes of common stock dividends paid to stockholders 
for the years ended December 31:

2002

2001

2000

Ordinary income
Capital gain
Unrecaptured Section 1250 Gain
Return of capital

$ 1.174 $ 1.227 $ 1.135
0.054
0.056
–

–
0.033
–

0.006
0.005
0.085

The preferred dividends of $2.25 per share paid during the year ended December 31, 2002 were characterized 
as ordinary income for tax purposes.

$ 1.270 $ 1.260 $ 1.245

58

thirteen consecutive years of increased dividends

59

12.  Earnings from Discontinued Operations:

In accordance with FAS Statement No. 144, “Accounting for the Impairment or Disposal of Long-Lived Assets,” 
the Company has classified its three properties held for sale at December 31, 2002 and 19 properties sold 
during 2002 as discontinued operations.  Accordingly, the results of operations related to these 22 properties 
for 2001 and 2000 have been reclassified to earnings from discontinued operations.  The following is a 
summary of earnings from discontinued operations for the years ended December 31 (dollars in thousands):

Revenues:

Rental income from operating leases
Earned income from direct financing leases
Contingent rental income
Other

Expenses:

General operating and administrative
Real estate
Depreciation and amortization
Provision for loss on impairment of real estate

2002

2001

2000

$

3,667 $
–
6
10
3,683

2,298 $
311
35
9
2,653

1,873
788
30
–
2,691

9
216
317
1,403
1,945

16
236
347
125
724

1
(2)
246
–
245

Earnings before gain on disposition of real estate

1,738

1,929

2,446

Gain on disposition of real estate

260

–

–

Earnings from discontinued operations

$

1,998 $

1,929 $

2,446

58

thirteen consecutive years of increased dividends

59

13.  Earnings Per Share of Common Stock:

The following represents the calculations of earnings per share and the weighted average number of shares of 
dilutive potential common stock for the years ended December 31: 

2002

2001

2000

Earnings from continuing operations
Preferred stock dividends
Earnings available to common stockholders from continuing 

operations before cumulative effect of change in accounting 
principle

Earnings from discontinued operations
Cumulative effect of change in accounting principle

$

46,060,000 $
(4,010,000)

27,034,000 $

36,172,000

–

–

42,050,000
1,998,000

–

27,034,000
1,929,000

–

36,172,000
2,446,000
(367,000)

Net earnings available to common stockholders

$

44,048,000 $

28,963,000 $

38,251,000

Basic earnings per share available to common stockholders:
Weighted average number of common shares outstanding
Restricted stock
Merger contingent common shares

40,383,405

–
–

31,226,086
104,767
209,004

30,278,209

–

109,162

Weighted average number of common shares outstanding used in 

basic earnings per common share

40,383,405

31,539,857

30,387,371

Continuing operations before cumulative effect of change in 

accounting principle
Discontinued operations
Cumulative effect of change in accounting principle
Net earnings

Diluted earnings per share available to common stockholders:
Weighted average number of common shares outstanding

Effect of dilutive securities:

Common stock options and restricted stock
Merger contingent common shares

Weighted average number of common shares outstanding used in 

diluted earnings per common share

Continuing operations before cumulative effect of change in 

accounting principle
Discontinued operations
Cumulative effect of change in accounting principle
Net earnings

$

$

$

$

1.04 $
0.05
–

1.09 $

0.86 $
0.06
–

0.92 $

1.19
0.08
(0.01)
1.26

40,383,405

31,226,086

30,278,209

205,552

–

131,822
359,135

366
128,932

40,588,957

31,717,043

30,407,507

1.04 $
0.05
–

1.09 $

0.85 $
0.06
–

0.91 $

1.19
0.08
(0.01)
1.26

For the years ended December 31, 2002, 2001 and 2000, options on 454,500, 1,048,892 and 1,665,925 shares 
of common stock, respectively, were not included in computing diluted earnings per share because their effects 
were antidilutive.

60

thirteen consecutive years of increased dividends

61

14.  Performance Incentive Plan:

In July 2001, the Company filed a registration statement on Form S-8 with the Securities and Exchange 
Commission, which permitted the issuance of up to 2,900,000 shares of common stock (which included any 
shares of common stock represented by options available to be granted under the Company’s previous plan) 
pursuant to the Company’s 2000 Performance Incentive Plan (the “2000 Plan”).   The terms of the 2000 Plan 
automatically increase the number of shares issuable under the plan to 3,400,000 shares and 3,900,000 shares 
when the Company has issued and has outstanding 35,000,000 shares and 40,000,000 shares, respectively, of 
its common stock.  In connection with the Company’s issuance of additional shares of common stock during 
the year ended December 31, 2001, pursuant to the terms of the 2000 Plan, the number of shares of common 
stock reserved for issuance automatically increased to 3,900,000 shares.

The 2000 Plan allows the Company to award or grant to key employees, directors and persons performing 
consulting or advisory services for the Company or its affiliates stock options, stock awards, stock appreciation 
rights, Phantom Stock Awards, Performance Awards and Leveraged Stock Purchase Awards, as defined in the 
2000 Plan.  The following summarizes the stock-based compensation activity for the years ended December 31:

Outstanding, January 1
Options granted
Options exercised
Options surrendered
Restricted stock granted
Restricted stock issued
Outstanding, December 31

Number of Shares
2001

2000

2002

1,692,158
359,300
(180,640)
(122,967)
64,000
(64,000)
1,747,851

1,881,092
12,500
(9,200)
(192,234)
239,000
(239,000)
1,692,158

1,665,925
292,900

–

(77,733)

–
–

1,881,092

Exercisable, December 31

1,293,284

1,581,592

1,401,859

Available for grant, December 31

1,628,809

1,933,642

92,908

The 64,000 and 239,000 shares of restricted stock granted during the years ended December 31, 2002 and 2001, 
respectively, had a weighted average grant price of $15.35 and $13.35, respectively, per share.  The following 
represents the weighted average option exercise price information for the years ended December 31:

Outstanding, January 1
Granted during the year
Exercised during the year
Outstanding, December 31
Exercisable, December 31

2002

2001

2000

$

15.79
15.25
12.17
14.44
14.58

$

14.20
11.15
10.63
15.79
14.52

$

14.83
10.61
–            
14.20
14.50

60

thirteen consecutive years of increased dividends

61

The following summarizes the outstanding options and the exercisable options at December 31, 2002:

$10.1875 to
$13.8750

Option Price Range
$14.1250 to 
$17.8750

Total

Outstanding options:
Number of shares
Weighted-average exercise price
Weighted-average remaining 
contractual life in years

Exercisable options:
Number of shares
Weighted-average exercise price

658,551
12.31

$

1,089,300
15.78

$

1,747,851
14.44

$

4.3

6.8

5.3

542,584
12.62

$

750,700
15.99

$

1,293,284
14.58

$

One-third of the grant to each individual becomes exercisable at the end of each of the first three years of 
service following the date of the grant and the options’ maximum term is 10 years.

Pursuant to the 2000 Plan, in July 2001, the Company granted and issued 239,000 shares of restricted 
common stock to certain officers and directors of the Company and its affiliate, of which 234,000 shares were 
granted to officers and 5,000 shares were granted to directors.  The restricted stock issued to the officers vests 
at a rate of 15 percent to 30 percent each year over approximately a five-year period ending on January 1, 2006 
and automatically upon a change in control of the Company.  The restricted stock issued to the directors vests 
equally each year over approximately a two-year period ending on January 1, 2003 and automatically upon a 
change in control in the Company.

Pursuant to the 2000 Plan, in June 2002, the Company granted and issued 64,000 shares of restricted 
common stock to certain officers and directors of the Company and its affiliate, of which 58,000 shares were 
granted to officers and 6,000 shares were granted to directors.  The restricted stock issued to the officers vests 
at a rate of 15 percent to 30 percent each year over approximately a five-year period ending on January 1, 2007 
and automatically upon a change in control of the Company.  The restricted stock issued to the directors vests 
equally each year over approximately a two-year period ending on January 1, 2004 and automatically upon a 
change in control in the Company.

Compensation expense for the restricted stock is determined based upon the fair value at the date of grant 
and is recognized over the vesting periods.  For the years ended December 31, 2002 and 2001, the Company 
recognized $854,000 and $274,000, respectively, of such expense.

The Company applies APB Opinion No. 25, “Accounting for Stock Issued to Employees,” and related 
Interpretations in accounting for the 2000 Plan.  Accordingly, no compensation expense has been recorded with 
respect to the options in the accompanying consolidated financial statements, all options granted under the 
2000 Plan had an exercise price equal to the market value of the underlying common stock on the date of the 
grant.  The following table illustrates the effect on net earnings available to common stockholders and earnings 

62

thirteen consecutive years of increased dividends

63

per common share if the Company had applied the fair value recognition provisions of FASB  Statement No. 
123, “Accounting for Stock-Based Compensation,” to stock-based compensation for the years ended December 
31 (dollars in thousands, except per share data):

2002

2001

2000

Net earnings available to common stockholders as reported
Less total stock-based employee compensation expense 

determined under the fair value based method

Pro forma net earnings available to common

stockholders

$ 44,048 $ 28,963 $ 38,251

(27)

(64)

(233)

$ 44,021 $ 28,899 $ 38,018

Earnings available to common stockholders per common 

share as reported:

Basic
Diluted

Pro forma earnings available to common stockholders per 

common share:

Basic
Diluted

$
$

$
$

1.09 $
1.09 $

0.92 $
0.91 $

1.26
1.26

1.09 $
1.08 $

0.92 $
0.91 $

1.25
1.25

The fair value of each option grant is estimated on the date of grant using the Black-Scholes option-pricing 
model with the following assumptions used for grants in 2002, 2001 and 2000: (i) risk free rates of 5.4% and 
5.5% for the 2002 grant, 5.1% for the 2001 grant and 6.7% and 6.2% for the 2000 grants, (ii) expected volatility 
of 18.0%, 26.4% and 11.1%, respectively, (iii) dividend yields of 9.3%, 11.9% and 10.5%, respectively, and (iv) 
expected lives of 10 years for grants in 2002, 2001 and 2000.

15.  Mergers:

On December 18, 1997, the Company’s stockholders voted to approve an agreement and plan of merger with 
CNL Realty Advisors, Inc. (the “Advisor”), whereby the stockholders of the Advisor agreed to exchange 100 
percent of the outstanding shares of common stock of the Advisor for up to 2,200,000 shares (the “Share 
Consideration”) of the Company’s common stock (the “Merger”).  As a result, the Company became a fully 
integrated, self-administered real estate investment trust effective January 1, 1998.  Ten percent of the Share 
Consideration (220,000 shares) was paid January 1, 1998, and the balance (the “Share Balance”) of the Share 
Consideration was to be paid over time, within five years from the date of the Merger, based on the Company’s 
completed property acquisitions and completed development projects in accordance with the Merger 
agreement.  For accounting purposes, the Advisor was not considered a “business” for purposes of applying 
APB Opinion No. 16, “Business Combinations,” and therefore, the market value of the common shares issued 
in excess of the fair value of the net tangible assets acquired was charged to operations rather than capitalized 
as goodwill.  As of December 31, 2001, the Company had issued the entire Share Balance.  The cumulative 
market value of the Share Balance issued was $24,736,000, all of which was charged to operations in the 
respective years in which the shares were issued.

62

thirteen consecutive years of increased dividends

63

On December 1, 2001, the Company acquired 100 percent of Captec, a publicly traded real estate investment 
trust, which owned 135 freestanding, net lease properties located in 26 states.  Results of Captec operations 
have been included in the consolidated financial statements since that date.  Captec shareholders received 
$11,839,000 in cash, 4,349,918 newly issued shares of the Company’s common stock and 1,999,974 newly 
issued Perpetual Preferred Shares (see Notes 8 and 20).  Under the purchase method of accounting, the 
acquisition price of $124,722,000 was allocated to the assets acquired and liabilities assumed at their fair 
values.  As a result, the Company did not record goodwill.  

The following summarizes the estimated fair values of the assets acquired and liabilities assumed in the Captec 
acquisition (dollars in thousands):

Real estate:

Accounted for using the operating method
Accounted for using the direct financing method

Receivables
Cash and cash equivalents
Note receivables
Other assets

Total assets acquired

Note payable
Mortgages payable
Accounts payable and accrued expenses
Other liabilities

Total liabilities assumed

Net assets acquired

$ 215,498
9,230
151
4,143
5,852
8
$ 234,882

$ 101,213
1,806
6,933
208
110,160

$ 124,722

The merger was unanimously approved by both the Company’s and Captec’s board of directors.  This 
transaction increased funds from operations, increased diversification, produced costs savings from 
opportunities for economies of scale and operating efficiencies and enhanced its capital markets profile.

The unaudited pro forma combined historical results for the years ended December 31, 2001 and 2000, as if 
Captec had been acquired as of January 1, 2000, are estimated to be (dollars in thousands):

2001

2000

Revenues
Net income
Diluted earnings per common share

$ 101,943 $ 106,506
55,338
$
1.42
$

33,663 $
0.80 $

The pro forma results are not necessarily indicative of what actually would have occurred if the acquisition had 
been completed as of January 1, 2000, nor are they necessarily indicative of future consolidated results.

64

thirteen consecutive years of increased dividends

65

16.  Fair Value of Financial Instruments:

The Company believes the carrying values of its line of credit payable and the lines of credit receivable 
from Services and certain wholly-owned subsidiaries of Services approximate fair value based upon their 
nature, terms and variable interest rates.  The Company believes that the carrying value of its cash and 
cash equivalents, receivables, mortgages, notes and accrued interest receivable, mortgages payable, accrued 
interest payable and other liabilities at December 31, 2002 approximate fair value, based upon current market 
prices of similar issues.  At December 31, 2002 and 2001, the fair value of the Company’s notes payable was 
$287,898,000 and $292,322,000, respectively, based upon the quoted market price.

17.  Related Party Transactions:

For additional related party disclosures see Note 4.

A wholly-owned subsidiary of Services holds a 33 1/3 percent equity interest in WXI/SMC Real Estate LLC 
(“WXI”).  The Company provides certain management services for WXI on behalf of Services pursuant to 
WXI’s Limited Liability Company Agreement and Property Management and Development Agreement.  WXI 
paid the Company $66,000, $150,000 and $183,000  in fees during the years ended December 31, 2002, 2001 
and 2000, respectively.  

In September 2000, a wholly-owned subsidiary of Services entered into a $6,000,000 promissory note with 
an affiliate in which James M. Seneff, Jr., Gary M. Ralston and Kevin B. Habicht, each of which are officers 
and directors of the Company, own a majority equity interest.  The note accrues interest at a rate of 10%, and 
all principal and interest is due upon maturity.   In 2002, the promissory note was amended to extend the 
maturity date to December 15, 2003.  The note is secured by the affiliate’s common stock in CNL Commercial 
Finance, Inc. (“CCF”), a wholly-owned subsidiary of the affiliate.  The outstanding principal and accrued 
interest balance as of December 31, 2002 was $6,026,000.  In addition, the wholly-owned subsidiary of 
Services has an option with the affiliate to purchase up to 80 percent of all the common shares of CCF equal 
to the purchase price paid by the affiliate for such common stock.  The option expires on December 31, 2010.

In September 2000, a wholly-owned subsidiary of Services entered into a $15,000,000 line of credit 
agreement with CCF.  Interest is payable monthly and the principal balance is due in full upon termination 
of the line of credit on October 31, 2003.  In 2001 and 2002, the line of credit was amended to increase the 
borrowing capacity to $25,000,000 and $37,750,000, respectively.  As of December 31, 2002, $16,800,000 was 
outstanding and $20,950,000 was available for future borrowings on the line of credit.  The line of credit is 
collateralized by substantially all of the assets of the affiliate.

An affiliate of James M. Seneff, Jr., an officer and director of the Company, provided certain administrative, 
tax and technology services to the Company and Services.  In connection therewith, the Company and 
Services paid $1,258,000, $853,000 and $1,092,000 in fees relating to these services during the years ended 
December 31, 2002, 2001 and 2000, respectively.  

64

thirteen consecutive years of increased dividends

65

In 2002, the Company extended the maturity dates to dates between June and December 2007 on four mortgages 
with an original aggregate principal balance totaling $8,514,000 that are held with affiliates of James M. Seneff, 
Jr., an officer and director of the Company, and Robert A. Bourne, a member of the Company’s board of directors.  
The mortgages bear interest at a weighted average of 8.96%, with interest payable monthly or quarterly.   As of 
December 31, 2002 and 2001, the aggregate principal balance of the four mortgages, included in mortgages, notes 
and accrued interest on the balance sheet was $3,437,000 and $8,514,000, respectively.  In connection therewith, 
the Company recorded $663,000, $574,000 and $578,000 as interest from unconsolidated affiliates and other 
mortgage receivables during the years ended December 31, 2002, 2001 and 2000, respectively.

The Company has guaranteed bank loans to James M. Seneff, Jr., Gary M. Ralston and Dennis E. Tracy, each 
of which are officers and directors of the Company or its affiliates, totaling $3,746,000.  These guarantees shall 
continue through the maturity date of the loans which is on the earlier of (i) the termination of the Company’s 
Credit Facility, or (ii) May 31, 2006.  Each of the loans is a full recourse to the respective officer and is collateralized 
by the common shares of the Company that were purchased with the proceeds from the loans.  As of December 31, 
2002, the value of the common shares exceeds the liability of the bank loans.   

18.  Segment Information:

Operating segments are components of an enterprise about which separate financial information is available that 
is evaluated regularly by the chief operating decision maker in deciding how to allocate resources and in assessing 
performance.  While the Company does not have more than one reportable segment as defined by accounting 
principles generally accepted in the United States of America, the Company has identified two primary sources 
of revenue: (i) rental and earned income from the triple net leases and (ii) interest income from affiliates and 
fee income from development, property management and asset management services. The following represents 
the revenues, expenses and asset allocation for the two segments and the Company’s consolidated totals at 
December 31, 2002, 2001 and 2000, and for the years then ended:

2002
Revenues
General operating and administrative expenses
Real estate expenses
Interest expense
Depreciation and amortization
Provision for loss on impairment of real estate
Equity in earnings of unconsolidated affiliates
Earnings (loss) from continuing operations
Earnings from discontinued operations
Net earnings
Assets
Additions to long-lived assets:
  Real estate
  Other

Rental and 
earned 
income

Interest and 
fee
income

Corporate

Consolidated

$

$
$

$
$

87,213 $
6,260
1,481
26,720
11,399
1,882
158
39,629
1,998
41,627 $
881,934 $

6,614 $
1,693
–
–
17
–
3,058
7,962
–
7,962 $
72,114 $

$

–
1,522
–
–
9
–
–
(1,531)
–
(1,531) $
60 $

93,827
9,475
1,481
26,720
11,425
1,882
3,216
46,060
1,998
48,058
954,108

43,360 $
80 $

$
–
23 $

$
–
9 $

43,360
112

66

thirteen consecutive years of increased dividends

67

Rental and 
earned 
income

Interest and 
fee
income

Corporate

Consolidated

2001
Revenues
General operating and administrative expenses
Real estate expenses
Interest expense
Depreciation and amortization
Expenses incurred in acquiring advisor from related party
Equity in earnings of unconsolidated affiliates
Gain on disposition of real estate
Earnings (loss) from continuing operations
Earnings from discontinued operations
Net earnings
Assets
Additions to long-lived assets:
  Real estate
  Other

2000
Revenues
General operating and administrative expenses
Real estate expenses
Interest expense
Depreciation and amortization
Expenses incurred in acquiring advisor from related party
Equity in earnings of unconsolidated affiliates
Gain on disposition of real estate
Earnings (loss) from continuing operations
Earnings from discontinued operations
Cumulative effect of change in accounting principle
Net earnings
Assets
Additions to long-lived assets:
  Real estate
  Other

$

$
$

$
$

$

$
$

$
$

69,401 $
4,659
718
24,874
8,763
–
278
4,648
35,313
1,929
37,242 $
878,410 $

8,472 $
993
–
78
92
–
(1,753)
–
5,556
–
5,556 $
128,133 $

–
1,244
–
–
9
12,582

$

77,873
6,896
718
24,952
8,864
12,582
(1,475)
4,648
27,034
1,929
28,963
85 $ 1,006,628

–
–

(13,835)

–
(13,835) $

19,836 $
100 $

–
$
17 $

–
$
12 $

19,836
129

73,344 $
2,961
399
26,528
8,703
–
455
4,091
39,299
2,446
(367)
41,378 $
684,049 $

4,856 $
823
–
–
134
–
(4,435)
–
(536)
–
–

(536) $
77,495 $

$

–
1,065
–
–
5
1,521
–
–
(2,591)
–
–
(2,591) $
67 $

78,200
4,849
399
26,528
8,842
1,521
(3,980)
4,091
36,172
2,446
(367)
38,251
761,611

3,999 $
667 $

–

$
220 $

–
$
52 $

3,999
939

66

thirteen consecutive years of increased dividends

67

19.  Major Tenants:

For the years ended December 31, 2002, 2001 and 2000, the Company recorded rental and earned income from 
one of the Company’s lessees, Eckerd Corporation, of $10,558,000, $8,790,000 and $8,674,000, respectively.  
The rental and earned income from Eckerd Corporation represents more than 10 percent of the Company’s 
rental and earned income for each of the respective years.

20.  Commitments and Contingencies:

During the year ended December 31, 1999, the Company entered into a purchase and sale agreement whereby 
the Company acquired 10 land parcels leased to major retailers and has agreed to acquire the buildings on each 
of the respective land parcels at the expiration of the initial term of the ground lease for an aggregate amount 
of approximately $23,421,000.    The initial term of each of the 10 respective ground leases expires between 
February 2003 and April 2004.  The seller of the buildings holds a security interest in each of the land parcels 
which secures the Company’s obligation to purchase the buildings under the purchase and sale agreement.

As of December 31, 2002, the Company owned one land parcel subject to a lease agreement with a tenant 
whereby the Company has agreed to construct a building on the land parcel for aggregate construction costs of 
approximately $2,388,000, of which $293,000 of costs had been incurred at December 31, 2002.  Pursuant to 
the lease agreement, rent is to commence on the property upon completion of construction of the building.

The Company is a defendant in a lawsuit filed on December 10, 1998 in the United States District Court for the 
District of Puerto Rico. The plaintiff, Ysiem Corporation, is alleging that the Company is in breach of a ground 
lease agreement with the plaintiff regarding a land parcel owned by the plaintiff and is seeking damages of 
$7,500,000 and/or specific performance of the execution of the ground lease. On January 4, 2002, the District 
Court Judge granted the Company’s motion for summary judgment of dismissal of the action.  The plaintiff 
subsequently appealed the summary judgment to the U.S. First Circuit Court of Appeals.  Both parties have 
filed briefs with the Court of Appeals and oral arguments have been heard by the Court of Appeals.  The 
Company believes, in the unlikely event that (i) the Court of Appeals overturns the summary judgment in favor 
of the Company and (ii) the Company is subsequently held liable after a trial on the merits of the action, the 
resulting judgment would not materially affect the Company’s operations or financial condition.

Beginning July 9, 2001, following the public announcement of the Company’s proposed merger with Captec, 
various Captec stockholders filed three lawsuits against Captec and its directors in the Chancery Court of the 
State of Delaware for New Castle County and an additional lawsuit in the United States District Court for the 
Eastern District of Michigan (the “Michigan Lawsuit”) alleging breaches of fiduciary duty in connection with the 
merger and in connection with the sale of certain assets of Captec to CRC Asset Acquisition LLC, a Michigan 
limited liability company controlled by a Captec officer. The Michigan Lawsuit also named the Company, but 
the Company has since been dismissed as a party to that lawsuit. On October 11, 2001, the Chancery Court 
of the State of Delaware for New Castle County issued an order consolidating the three Delaware Lawsuits into 
one action, IN RE CAPTEC NET LEASE REALTY, INC. STOCKHOLDERS LITIGATION, CONSOLIDATED 
C.A. NO. 19008-NC. The plaintiffs sought a declaration that the action is properly maintainable as a class 
action, equitable relief that would enjoin the proposed merger and unspecified damages. The plaintiffs also 

68

thirteen consecutive years of increased dividends

69

sought a preliminary injunction barring the Company’s proposed acquisition of Captec.  Captec and the other 
defendants entered into a Memorandum of Understanding with the plaintiffs pursuant to which the parties 
agreed to withdraw their preliminary injunction request, to negotiate and execute a Stipulation of Settlement 
and to submit the Stipulation of Settlement to the court for approval. In addition, Captec agreed to make 
additional disclosures to its stockholders concerning the proposed merger and to pay plaintiffs’ attorneys’ fees 
in an amount to be determined by the court but not to exceed $350,000. On July 26, 2002 the court approved 
a Stipulation of Settlement negotiated and executed by the parties and awarded the plaintiffs attorney’s fees in 
the amount of $350,000.  

On January 24, 2002, beneficial owners of shares of Captec stock held of record by Cede & Co., who alleged 
that they did not vote for the merger (and who alleged that they caused a written demand for appraisal of 
their Captec shares to be served on Captec), filed in the Chancery Court of the State of Delaware in and for 
New Castle County a Petition for Appraisal of Stock, PHILLIP GOLDSTEIN, JUDY KAUFFMAN GOLDSTEIN 
AND CEDE & CO. V. COMMERCIAL NET LEASE REALTY, INC., C.A. NO. 19368NC (“Appraisal Action”). 
The Appraisal Action alleged that 1,037,946 shares of Captec dissented from the merger and sought to require 
the Company to pay to all Captec stockholders who demanded appraisal of their shares the fair value of those 
shares, with interest from the date of the merger. The Appraisal Action also sought to require the Company to 
pay all costs of the proceeding, including fees and expenses for plaintiff’s attorneys and experts.  As a result of 
this action, the plaintiffs were not entitled to receive the Company’s common and preferred shares as offered in 
the original merger consideration.  Accordingly, the Company reduced the number of common and preferred 
shares issued and outstanding by 474,037 and 217,950, respectively, which represents the number of shares that 
would have been issued to the plaintiffs had they accepted the original merger consideration.  As of December 
31, 2002, the Company had recorded the value of these shares at the original consideration share price in 
addition to the cash portion of the original merger consideration as other liabilities totaling $13,278,000.  The 
Company entered into a settlement agreement dated as of February 7, 2003, with the beneficial owners of 
the alleged 1,037,946 dissenting shares (including the petitioners in the Appraisal Action) which required the 
Company to pay $15,569,000.  On February 13, 2003, the parties filed a stipulation and order of dismissal and 
the Court entered the order of dismissal, dismissing the Appraisal Action with prejudice.  

On January 4, 2002, Calapasas Investment Partnership No. 1 Limited Partnership (“Calapasas”), a Captec 
stockholder, filed a class action complaint against Captec, certain former Captec directors, and the Company 
(as successor in interest to Captec) in the United States District Court for the Northern District of California, 
CALAPASAS INVESTMENT PARTNERSHIP NO. 1 LIMITED PARTNERSHIP v. CAPTEC NET LEASE 
REALTY, INC, a Delaware Corporation; COMMERCIAL NET LEASE REALTY, INC. (as successor in interest 
to CAPTEC); PATRICK L. BEACH; W. ROSS MARTIN; H. REID SHERARD; RICHARD J.PETERS; LEE 
C. HOWLEY; and WILLIAM H. KRUL III, Case No. C 02 00071 PJH. In its complaint Calapasas alleged 
that Captec and certain of its directors violated provisions of the Securities and Exchange Act of 1934 by 
misrepresenting the value of certain Captec assets on certain of its financial statements in 2000 and 2001 
(the “Calapasas Action”).  The Calapasas Action asserts that it is brought on behalf of a class consisting of 
all persons and entities (except insiders) that purchased Captec common stock between August 9, 2000 and 
prior to July 2, 2001.  The Calapasas Action seeks to be certified as a class action and seeks compensatory and 
punitive damages for the plaintiff and other members of the class, as well as costs and expenses, including 
fees for plaintiff’s attorneys, accountants and experts.  The Calapasas Action could result in damage awards 

68

thirteen consecutive years of increased dividends

69

against Captec and/or its directors, damages for which the Company, as successor in interest to Captec, could 
be responsible. On October 4, 2002 the Calapasas Action was dismissed by the Court with leave to amend.  
A Second Amended Complaint was filed by Calapasas Investment Partnership No. 1 Limited Partnership on 
November 8, 2002, which, among other things, reduced the alleged plaintiff class to those persons and entities 
(except insiders) who purchased common stock of Captec between March 30, 2001 and July 2, 2001.  A Motion 
to Dismiss the Second Amended Complaint was filed by the defendants on or about December 18, 2002.  At 
this early stage in the Calapasas Action management is not in a position to assess the likelihood, or amount, of 
any potential damage award to the plaintiff class.

In the ordinary course of its business, the Company is a party to various other legal actions which management 
believes is routine in nature and incidental to the operation of the business of the Company.  Management 
believes that the outcome of the proceedings will not have a material adverse effect upon its operations or 
financial condition.

21.  Subsequent Events:

In January 2003, the Company terminated an $11,000,000 secured revolving line of credit and security 
agreement with a wholly-owned subsidiary of Services.  In addition, the Company modified an existing secured 
revolving line of credit and security agreement with another wholly-owned subsidiary of Services to increase 
the borrowing capacity from $5,000,000 to $15,000,000.  As of February 28, 2003, the Subsidiary Agreements 
provide for an aggregate borrowing capacity of $85,000,000.

70

thirteen consecutive years of increased dividends

71

CONSOLIDATED QUARTERLY FINANCIAL DATA
(dollars in thousands, except per share data)

2002

First 
Quarter

Second 
Quarter

Third 
Quarter

Fourth 
Quarter

Year

Rent and other revenue
Depreciation and amortization expense
Interest expense
Provision for loss on impairment of real estate
Other expenses
Earnings from discontinued operations
Net earnings
Net earnings per share (2):
Basic
Diluted

2001

Rent and other revenue
Depreciation and amortization expense
Interest expense
Advisor acquisition expense
Other expenses
Earnings from discontinued operations
Net earnings
Net earnings per share (2):
Basic
Diluted

$

$

$

$

24,376
2,941
6,567

-

2,850
499
12,749

0.29
0.29

20,877
2,208
6,294
334
1,967
557
11,594

0.38
0.38

$

$

24,040
2,908
6,406

-

3,120
1,688
13,512

0.31
0.31

20,104
2,206
6,052
357
1,825
1,033
10,385

0.34
0.34

$

$

24,672
2,953
6,860
3,285
2,437
(1,634)
8,575

0.19
0.19

19,191
2,462
6,106
1,462
1,779
337
7,473

0.24
0.24

$

$

24,422
2,940
6,887

-

2,774
1,445
13,222

0.30
0.30

20,354
2,335
6,500
10,429
2,420
2
(489)

(0.01)
(0.01)

97,510
11,742
26,720
3,285
11,181
1,998
48,058

1.09
1.09

80,526
9,211
24,952
12,582
7,991
1,929
28,963

0.92
0.91

(1)  The consolidated quarterly financial data includes revenues and expenses from the Company’s continuing and 

discontinued operations.  The Financial Accounting Standards Board (“FASB”) issued Financial Accounting Standard 
(“FAS”) Statement No. 144, “Accounting for the Impairment or Disposal of Long-Lived Assets.”  This statement 
addresses financial accounting and reporting for the impairment or disposal of long-lived assets and broadens the 
presentation of discontinued operations in the income statement to include a component of an entity.  Accordingly, the 
results of operations related to these certain properties that have been classified as held for sale or have been disposed 
of in 2002 have been reclassified to earnings from discontinued operations.

(2)  Calculated independently for each period, and consequently, the sum of the quarters may differ from the annual 

amount.

70

thirteen consecutive years of increased dividends

71

SHARE PRICE AND DIVIDEND DATA

The common stock of the Company currently is traded on the New York Stock Exchange (“NYSE”) under 
the symbol “NNN.”  For each calendar quarter indicated, the following table reflects respective high, low and 
closing sales prices for the common stock as quoted by the NYSE and the dividends paid per share in each such 
period.

2002

High
Low
Close

First 
Quarter

Second 
Quarter

Third 
Quarter

Fourth 
Quarter

Year

$ 13.9900
13.0100
13.9600

$ 16.0000
13.9000
16.0000

$ 16.4000
12.6000
16.1200

$ 16.3500
15.0100
15.3300

$ 16.4000
12.6000
15.3300

Dividends paid per share

0.3150

0.3150

0.3200

0.3200

1.2700

2001

High
Low
Close

$ 11.8125
10.1250
11.8000

$ 14.2500
11.5000
14.2500

$ 14.1500
11.2500
13.2500

$ 13.6800
12.7500
13.0000

$ 14.2500
10.1250
13.0000

Dividends paid per share

0.3150

0.3150

0.3150

0.3150

1.2600

For federal income tax purposes, 0.88% and 2.63% of dividends paid in 2002 and 2001, respectively, was 
considered capital gain (representing 0.47% and 0% of capital gain – 20%, respectively, and 0.41% and 2.63%, 
respectively, of unrecaptured Section 1250 gain) and 6.71% of the 2002 dividend was treated as a non-taxable 
return of capital.

The Company intends to pay regular quarterly dividends to its stockholders.  Future distributions will be 
declared and paid at the discretion of the board of directors and will depend upon cash generated by operating 
activities, the Company’s financial condition, capital requirements, annual distribution requirements under 
the REIT provisions of the Internal Revenue Code of 1986 as amended, and such other factors as the board of 
directors deems relevant.

On February 28, 2003, there were 1,255 and 48 shareholders of record of common stock and preferred stock, 
respectively.

72

thirteen consecutive years of increased dividends

73

SHAREHOLDER INFORMATION

TRANSFER AGENT AND REGISTRAR:
Stockholder inquiries and requests regarding dividend payments, stock transfers, address changes, replacement of 
lost certificates and other stock related matters should be directed to:

WACHOVIA BANK, N.A.
Shareholder Services Group
1525 West W.T. Harris Blvd. - 3C3
Charlotte, NC 28288-1153
(800) 829-8432

INVESTOR INFORMATION:
Business inquiries by security analysts, investment professionals, investors and stockholders should be directed 
to:
Kevin B. Habicht
COMMERCIAL NET LEASE REALTY, INC.
450 S. Orange Avenue, Suite 900 
Orlando, FL 32801
(800) CNL-REIT  (265-7348)
(407) 265-7348

INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS:
KPMG LLP
Orlando, FL

COUNSEL:
SHAW PITTMAN
Washington, DC

CORPORATE OFFICES:
COMMERCIAL NET LEASE REALTY, INC.
450 S. Orange Avenue, Suite 900 
Orlando, FL  32801
(800) CNL-REIT  (265-7348)
(407) 265-7348
www.cnlreit.com

FORM 10-K:
The Company’s annual report, filed on Form 10-K with the Securities and Exchange Commission, is available at 
no charge upon written request to the Company’s Secretary at the above address.

DIVIDEND REINVESTMENT PLAN:
The Company’s dividend reinvestment plan provides shareholders with the opportunity to reinvest dividends as 
defined in the prospectus.  Specifics of the plan are contained in the plan prospectus.

72

thirteen consecutive years of increased dividends

73

ASSOCIATES

These are the people who provide diligent and consistent performance, year in and year out, for the 
shareholders of Commercial Net Lease Realty. They are the company’s most important intangible asset.

David Ballew
Ginger Barnes
Chris Barry
Jeff Bass
Jay Bastian
Paul Bayer
Pam Becht
Mez Birdie 
Orlando Bosques
Darlene Brescia
Rebecca Brownell
David Carter
David Cobb
Helen Collins
Bonnie Dehart
Jason Dewey
Mary Dixon
Eva Eller
Annette Escoffery
Tony Ferry
Mary Ellen Frame
Kristin Furniss
Ann Garrabrant
Peter Goffstein
Gabrielle Golka

David Gustovich
Bill Haberman
Kevin Habicht
Barbara Hammer
Scott Harris
Fred Hohnadel
Tricia Hollister
Ed Hopkins 
Courtney Hubbard
Jeff Jennings
Carole Jones
Carolyn Kent
Liz Kohlmyer
Pauly Kostka
David Lachicotte
Jason LaPierre
Bonnie Luker
Diane McCarey 
Paul McKeeby
David McLaughlin
Phil Melaugh
Diana Miller
Michelle Miller
Suzanne Miller
Paul Montgomery

Mary Morrison
Amanda Murphy
Belinda Parsons
Cindy Peterson
Dawn Peterson 
Elise Quinones
Gary Ralston
Lane Ramsfield
Jennifer Ryan
Kella Schaible
Chris Schneck
Cynthia Shelton
Cathy Smalley
Dan Tervo
Dennis Tracy 
Jay Whitehurst 
Mary Wilkes
Matt Williams 
Tom Yeager
Georgia Zampella

74

thirteen consecutive years of increased dividends

DIRECTORS & OFFICERS

DIRECTORS

James M. Seneff, Jr. 

Chairman

Robert A. Bourne 

Vice Chairman

Kevin B. Habicht 

Clifford R. Hinkle 

†

Executive Vice President, 
Commercial Net Lease Realty, Inc.

Chairman and 
Chief Executive Officer,
Flagler Holdings, Inc.

Richard B. Jennings 

President, 
Realty Capital International, LLC

Ted B. Lanier

†

Robert C. Legler 

†
Robert Martinez

Gary M. Ralston 

Retired Chairman and 
Chief Executive Officer
of Triangle Bank and 
Trust Company

Retired Chairman of First 
Marketing Corporation

Fourtieth Governor of Florida 
and Managing Director of Carlton 
Fields Government Consulting

President, 
Commercial Net Lease Realty, Inc.

† Member audit committee

EXECUTIVE OFFICERS

 James M. Seneff, Jr. 

Chief Executive Officer

BOARD OF DIRECTORS
(left to right) Cliff Hinkle, Gary Ralston, Bob Legler, 
Kevin Habicht, Bob Martinez, Jim Seneff, 
Rich Jennings, Bob Bourne, and Ted Lanier.

 Gary M. Ralston  

President and Chief Operating Officer

 Kevin B. Habicht 

Executive Vice President, Chief Financial Officer, Secretary 
and Treasurer

 Julian E. Whitehurst 

Executive Vice President and General Counsel

 Dennis E. Tracy 

David W. Cobb 

Executive Vice President and Chief Development Officer,
Commercial Net Lease Realty Services, Inc.

Executive Vice President and Chief Investment Officer, 
Commercial Net Lease Realty Services, Inc.

75

 
 
 
450 S. Orange Avenue, Suite 900
Orlando, FL 32801
(800) CNL-REIT 
www.cnlreit.com