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Rithm Property Trust Inc.

rpt · NYSE Real Estate
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FY2014 Annual Report · Rithm Property Trust Inc.
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TA K I N G
R E TA I L
TO  NEW
HEIGHTS

A N N U A L   R E P O R T  

■   2 0 1 4

A BOUT  R A M C O - G E RS H E NS O N 
PRO PE RTIE S  TRUS T

Ramco-Gershenson  Properties  Trust  (NYSE:RPT)  

is  a  fully  integrated,  self-administered,  publicly- 

traded  real  estate  investment  trust  (REIT)  based  

in  Farmington  Hills,  Michigan.  The  Company’s 

business  is  the  ownership  and  management  

of  large,  multi-anchor  shopping  centers  primarily  

in  a  dozen  of  the  largest  metropolitan  markets  

in  the  United  States.  At  December  31,  2014,  

the  Company  owned  interests  in  and  managed  a 

portfolio  of  80  shopping  centers  and  one  office 

building  with  approximately  16.9  million  square 

feet  of  gross  leasable  area.  At  December  31,  

2014,  the  Company’s  core  operating  portfolio  

was 95.5% leased.

Front Range Village

OVER  THE  LAST  FIVE 
YEARS  WE  HAVE  BEEN 
FOCUSED ON INCREASING 
QUALITY IN ALL ASPECTS 
OF  OUR  BUSINESS.

A N N U A L   R E P O R T   2 0 1 4   ■

1

DEAR FELLOW SHAREHOLDER:

Over the last five years we have worked tirelessly to transform 
our  Company  into  an  organization  with  a  high-quality  shop-
ping  center  portfolio  tenanted  by  best-in-class  retailers  while 
simultaneously  building  a  fortress  balance  sheet.  In  the  
process  we  delivered  a  total  shareholder  return  of  approxi-
mately  167%  for  that  period  besting  all  but  one  of  our  peers. 
Our strategy over these last five years has focused on three key 
objectives:  constantly  increasing  the  quality  of  our  portfolio, 
growing the quality of our earnings, and maintaining a quality 
balance  sheet.  By  every  measure  we  have  delivered  on  this 
strategy. From the end of 2010 to 2014 we have produced:

  •  Per Square Foot Rental Growth of over 18%.
  •  An increase in Funds from Operations Per Share of over 20%.
  •  An increase in Net Asset Value of approximately 35%.

At  the  heart  of  this  track  record  of  success  is  a  management 
team  dedicated  to  making  our  Company  even  more  produc-
tive  year-in  and  year-out.  In  2014,  we  continued  to  position 
Ramco-Gershenson as a leader in the shopping center industry 
by remaining consistent in our commitment to quality.

AN EVER IMPROVING SHOPPING CENTER PORTFOLIO:
I  can  confidently  say  that  at  the  end  of  2014  our  Company 
owned  a  portfolio  of  high-quality,  market  dominant  shopping 
centers tenanted with best-in-class retailers. Our centers have 
an average size of 260,000 square feet one of the largest foot-
prints  among  our  peers.  The  size  of  our  centers  provides  a 
broad  selection  of  shopping  options  for  the  consumer  in  our 
trade areas. The quality of our portfolio is partly the result of an 
acquisition program that emphasized geographic diversification, 
demographic quality and an ever higher average base rent.

Last  year,  we  acquired  four  shopping  centers  for  $322  million 
located  in  the  targeted  major  metropolitan  markets  of 
Minneapolis-St.  Paul,  Cincinnati,  and  Fort  Collins.  As  a  result  
of  these  acquisitions,  while  we  began  2014  with  the  state  of 
Michigan  representing  approximately  35%  of  base  rents,  we 
ended the year with no one market exceeding 29% of rentals. 

Dennis Gershenson
President and CEO

OUR COMMITMENT TO 
QUALITY HAS POSITIONED 
OUR COMPANY TO 
CONSISTENTLY DELIVER 
STRONG RESULTS.

Lakeland Park Center

Also  in  2014,  our  high-quality  acquisitions  generated  an 
increase  in  our  portfolio’s  average  household  income  from 
$72,000  at  the  beginning  of  the  year  to  $78,000  by  year-end, 
and  the  retailers  at  these  properties  are  paying  average  base 
rentals  of  $15.96  per  square  foot.  Together  these  shopping 
centers  are  expected  to  add  approximately  $22  million  of 
annualized  property  level  net  operating  income  to  our  port-
folio  and  feature  an  impressive  line-up  of  the  nation’s  top 
anchor  and  specialty  retailers,  including  Whole  Foods,  DSW 
Shoe  Warehouse,  White  House/Black  Market,  Sephora,  Soma 
Intimates,  LOFT,  and  H&M.  Each  property  has  the  added  
benefit  of  additional  value  creation  potential  through  a 
number  of  redevelopment  initiatives.  A  portion  of  the  capital 
required  for  these  purchases  was  generated  from  our  capital 
recycling  program  where  we  sold  assets  that  fell  into  the  
lowest  quartile  of  our  portfolio  relative  to  financial  and  
operating performance.

The success of our portfolio improvement strategy is reflected 
in  our  solid  operating  metrics  that  compares  favorably  to  our 
peers.  Of  particular  note  is  our  2014  increase  in  same-center 
net  operating  income  of  3.3%,  the  18th  quarter  in  a  row  of 
same-center  growth,  the  leasing  of  approximately  2.3  million 
square  feet  of  space  with  comparable  rental  spreads  of  6.3%, 
and  the  signing  of  multiple  leases  with  high-quality  national 
credit  retailers  including  TJ  Maxx,  Ross  Dress  for  Less,  ULTA 
Beauty,  Kirkland’s,  Rue  21  and  Charming  Charlie.  Further,  we 
ended the year with core shopping center occupancy of 95.5%, 
a rate at the high end of our historical average.

S TRON G  OPE R ATIN G  ME TRICS

3.3%

SAME-CENTER
NOI GROWTH

95.5%

CORE
OCCUPANCY

6.3%

LEASING
SPREADS

With this record of strong success, we have built a solid foun-
dation  for  even  greater  quality  improvement  in  all  aspects  of 
our business. We expect to continue to expand our shopping 
center  presence  in  a  number  of  quality  markets  including 
Denver,  Minneapolis,  and  Metro  Chicago.  We  are  also  in  the 
process  of  redeveloping  and  expanding  a  significant  number 
of  our  properties  to  include  the  best  and  newest  retail  con-
cepts  and  we  continue  to  realign  our  top  25  tenant  line  up  by 
replacing under performers with credit retailers who are in high 
demand  within  our  trade  areas.  Even  with  our  emphasis  on 
national,  credit  tenants  as  the  users  of  choice  to  occupy  the 
majority  of  our  retail  space,  we  seek  out  unique  regional  and 
local tenants with a winning platform to add a fresh, local com-
ponent to our mix. 

Additionally,  as  the  retailing  marketplace  continues  to  evolve 
and the competition to attract the consumer intensifies, we are 
focused  on  creating  an  appealing  shopping  environment 
where our retailers can thrive, cross shopping is promoted and 
our  customers  desire  to  extend  their  stay  at  our  shopping 

A N N U A L   R E P O R T   2 0 1 4   ■

3

S TRO N G  D E BT  ME TRICS

5.9X

DEBT TO 
EBITDA

3.9X

INTEREST
COVERAGE

3.0X

FIXED CHARGE 
COVERAGE

centers because of the relaxed and exciting atmosphere we’ve 
built into our properties. We believe that developing “a sense 
of place” at our shopping centers is a winning formula and will 
set us apart from our competition for years to come. 

MAINTAINING A STRONG BALANCE SHEET:
The greatest insulator against both short and long term capital 
risk  is  the  ability  to  maintain  a  conservative  and  flexible  bal-
ance  sheet.  This  financial  approach  also  allows  our  Company 
to be opportunistic in any economic environment. In 2014, we 
further improved an already strong capital structure by issuing 
$170 million of new equity, expanding our credit facility to $350 
million,  and  closing  $200  million  in  private  placement  debt. 
These  significant  financing  transactions  were  used  to  fund 
acquisitions, decrease leverage, and extend our average debt 
maturity  to  6.5  years.  At  year-end,  96%  of  our  debt  was  fixed 
rate, 76% of our net operating income was unsecured, and our 
net debt to EBITDA ratio was 5.9x.

THE NEXT FIVE YEARS:
Our actions to improve the quality of the portfolio, intelligently 
grow  the  Company,  and  strengthen  the  balance  sheet  have 
positioned  our  company  to  outperform  over  the  next  five 
years. We believe that the pursuit of quality in all aspects of our 
business will be the greatest generator of value for our share-
holders.  Therefore,  our  plans  for  2015  and  beyond  will  be 
focused  on  ensuring  that  our  acquisitions  and  dispositions 
reflect  this  philosophy.  Additionally,  we  will  not  be  satisfied 
merely with well-leased properties, but will seek to secure the 
most  exciting  retail  concepts  and  national  credit  tenants  to 
expand  our  shopping  centers,  undertake  value-add  redevel-
opments, and/or replace underperforming uses.

All of these activities are designed to reinforce our Company’s 
dominance  in  our  chosen  markets,  continue  to  promote  a 
tenant mix that will maintain our shopping centers as the shop-
ping  destinations  of  choice  for  the  consumer,  and  produce 
consistent sustainable increases in net operating income.

We  foresee  a  bright  future  for  our  Company  as  we  take  our 
retail to new heights. I am grateful to our shareholders for their 
continued support and I look forward to rewarding their com-
mitment with strong results in 2015 and beyond.

Dennis Gershenson 
President and CEO

4 ■(cid:3) (cid:3)  

Buttermilk Towne Center

W E   A R E   C O M M I T T E D 
T O   C R E A T I N G   A N 
E X C I T I N G   S H O P P I N G 
ENVIRONMENT   WHERE 
OUR   BEST-IN - QUALIT Y 
RETAILERS CAN THRIVE.

A N N U A L   R E P O R T   2 0 1 4   ■

5

WE SELECTIVELY ACQUIRE 
HIGH-QUALITY, MARKET 
DOMINANT SHOPPING 
CENTERS WHERE WE CAN 
ADD VALUE OVER THE 
LONG TERM.

Top: Woodbury Lakes

Bridgewater Falls

6 ■(cid:3) (cid:3)  

R A M C O - G E RS H E N S O N ’ S  PRO P E R TIE S

MN
1

WI
4

MI
22

IL
5

IN
2

OH
8

KY
1

MO
4

NJ
1

MD
1

VA
2

CO
3

N E W  P RO P E R TI E S 
A D D E D  I N  2 014

+1

+1

+2

Fort Collins, CO

Minneapolis, MN

Cincinnati, OH

GA
6

FL
21

Front Range Village

A N N U A L   R E P O R T   2 0 1 4   ■

7

S E LECTE D   FIN A N CIA L   HIG H LIG HT S

Years Ended December 31

(Dollars in thousands, except per share amounts)

2014

2013

2012

2011

2010

Total Revenues

$  218,363

$  170,068

$  125,225

$  114,386

$  104,333

Net (Loss) Income Available to Common Shareholders

$ 

(9,614)

$ 

3,747

$ 

(46)

$ 

(32,002)

$ 

(20,148)

Operating Funds from Operations Available to  

  Common Shareholders

$  103,503

$ 

81,850

$ 

49,339

$ 

41,813

$ 

40,388

Per Share

 Operating Funds from Operations Available

  Cash Distributions Declared

$ 

$ 

1.27

0.78

$ 

$ 

1.19

0.71

$ 

$ 

1.05

0.66

$ 

$ 

1.01

0.65

$ 

$ 

1.06

0.65

Total Assets

$ 1,948,379

$ 1,652,248

$ 1,165,291

$ 1,048,823

$ 1,052,829

Mortgages and Notes Payable

$  921,705

$  753,174

$  541,281

$  518,512

$  571,694

Total Liabilities
300

$ 1,050,100

$  854,288

$  605,459

$  567,649

$  613,463

Shareholders’ Equity Attributable to RPT

$  872,357

$  770,097

$  529,783

$  449,075

$  402,273

Number of Properties

250

200

81

81

79

84

90

5 -YE AR  CUMUL ATIVE  TOTA L   RE TURN

150

The  performance  graph  compares  the  cumulative  total  shareholder  return  on  Ramco-Gershenson’s  shares  with  the 

cumulative return on the NAREIT Equity Index, the S&P 500, and the MSCI US REIT Index (RMS) for the five fiscal years 

100

12/31/09

12/31/10

12/31/11

12/31/12

12/31/13

12/31/14

commencing December 31, 2009 and ending December 31, 2014, assuming an investment of $100 and the reinvest-

ment of all dividends into additional common shares during the holding period. 

l

e
u
a
V
x
e
d
n

I

300

250

200

150

100

8 ■(cid:3) (cid:3)  

2_RG_30819_PR.indd  8

12/31/09

12/31/10

12/31/11

12/31/12

12/31/13

12/31/14

Ramco-Gershenson Properties Trust
NAREIT Equity
S&P 500

3/19/15  8:27 AM

 
 
F O R M   1 0 - K  

■   2 0 1 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
________________
Form 10-K

[X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2014 
OR

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

For the transition period from                to                

Commission file number 1-10093

 RAMCO-GERSHENSON PROPERTIES TRUST
(Exact Name of Registrant as Specified in its Charter)

Maryland
(State or Other Jurisdiction of

Incorporation or Organization)

31500 Northwestern Highway, Suite 300

Farmington Hills, Michigan

(Address of Principal Executive Offices)

13-6908486
(I.R.S. Employer Identification No.)

48334

(Zip Code)

Registrant’s Telephone Number, Including Area Code: 248-350-9900

Securities Registered Pursuant to Section 12(b) of the Act:

Title of Each Class

Common Shares of Beneficial Interest,

($0.01 Par Value Per Share)

Securities Registered Pursuant to Section 12(g) of the Act:  None

Name of Each Exchange
On Which Registered
New York Stock Exchange

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.  Yes [X]  No [   ]

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

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act 
of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject 
to such filing requirements for the past 90 days.   Yes [X]   No [   ]

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data 
File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that 
the registrant was required to submit and post such files).   Yes [X ]  No [   ]

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

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting 
company. See definition of “large accelerated filer,”  “accelerated filer" and “smaller reporting company” in Rule 12b-2 of the Exchange Act.

Large Accelerated Filer [X]

Accelerated Filer [  ]

Non-Accelerated Filer   [  ]   

Small Reporting Company  [  ]

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). 

Yes [   ]    No [X]

(Do not check if small reporting company)

The aggregate market value of the common equity held by non-affiliates of the registrant as of the last business day of the registrant’s most 
recently completed second fiscal quarter (June 30, 2014) was $1,136,555,426.  As of February 13, 2015 there were outstanding 77,930,959 shares 
of Common Stock.

DOCUMENTS INCORPORATED BY REFERENCE

Portions of the proxy statement for the annual meeting of shareholders to be held May 5, 2015 are in incorporated by reference into Part III.

 
 
 
 
 
 
 
 
 
 
 
 
 
TABLE OF CONTENTS

PART I

Page

Item

1.

Business

1A. Risk Factors

1B. Unresolved Staff Comments

2.

3.

Properties

Legal Proceedings

4. Mine Safety Disclosures

5. Market for Registrant’s Common Equity, Related Stockholder Matters and

PART II

Issuer Purchases of Equity Securities

6.

Selected Financial Data

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

7A. Quantitative and Qualitative Disclosures About Market Risk

8.

9.

Financial Statements and Supplementary Data

Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

9A. Controls and Procedures

9B. Other Information

10. Directors, Executive Officers and Corporate Governance

PART III

11.

12.

Executive Compensation

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

13. Certain Relationships and Related Transactions, and Director Independence

14.

Principal Accountant Fees and Services

15.

Exhibits and Financial Statement Schedule

Consolidated Financial Statements and Notes

PART IV

1

6

13

14

22

22

23

25

26

38

38

39

39

39

40

40

40

40

40

41

F-1

 
 
 
 
 
Forward-Looking Statements

This document contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, 
and Section 21E of the Securities Exchange Act of 1934, as amended.  These forward-looking statements represent our expectations, 
plans or beliefs concerning future events and may be identified by terminology such as “may,” “will,” “should,” “believe,” 
“expect,” “estimate,” “anticipate,” “continue,” “predict” or similar terms.  Although the forward-looking statements made in 
this document are based on our good-faith beliefs, reasonable assumptions and our best judgment based upon current information, 
certain factors could cause actual results to differ materially from those in the forward-looking statements, including: our success 
or failure in implementing our business strategy; economic conditions generally and in the commercial real estate and finance 
markets specifically; the cost and availability of capital, which depends in part on our asset quality and our relationships with 
lenders and other capital providers; our business prospects and outlook; changes in governmental regulations, tax rates and 
similar matters; our continuing to qualify as a real estate investment trust (“REIT”); and other factors discussed elsewhere in 
this document and our other filings with the Securities and Exchange Commission (the “SEC”).  Given these uncertainties, you 
should not place undue reliance on any forward-looking statements.  Except as required by law, we assume no obligation to update 
these forward-looking statements, even if new information becomes available in the future.

PART I

Item 1. Business

The terms “Company,” “we,” “our” or “us” refer to Ramco-Gershenson Properties Trust, Ramco-Gershenson Properties, L.P., 
and/or its subsidiaries, as the context may require.

General

Ramco-Gershenson Properties Trust is a fully integrated, self-administered, publicly-traded equity real estate investment trust 
(“REIT”) organized in Maryland.  Our primary business is the ownership and management of large multi-anchored shopping 
centers primarily in a dozen of the largest  metropolitan markets  in the United States.  We aim to own multiple properties in each 
of these metropolitan areas to leverage our expertise in these markets and to operate our centers efficiently.  Our target submarkets 
are affluent communities where our centers can offer value, convenience and a sense of place to the residents of the trade area.  

Our property portfolio consists of 67 wholly owned shopping centers and one office building comprising approximately 14.2 
million square feet.  In addition, we are a co-investor in and manager of two institutional joint ventures that own portfolios of 
shopping centers.  We own 20% of Ramco 450 Venture LLC, an entity that owns eight shopping centers comprising approximately 
1.7 million square feet, and 30% of Ramco/Lion Venture L.P., an entity that owns three shopping centers comprising approximately 
0.8 million square feet.  We also have ownership interests in two smaller joint ventures that each own one shopping center.  Our 
joint ventures are reported using equity method accounting.  We earn fees from the joint ventures for managing, leasing, and 
redeveloping the shopping centers they own.  In addition, we own various parcels of land available for development or for sale, 
the majority of which are adjacent to certain of our existing developed properties.

We conduct substantially all of our business through our operating partnership, Ramco-Gershenson Properties, L.P. (the “Operating 
Partnership”), a Delaware limited partnership.  The Operating Partnership, either directly or indirectly through partnerships or 
limited liability companies, holds fee title to all owned properties.  As general partner of the Operating Partnership, we have the 
exclusive  power  to  manage  and  conduct  the  business  of  the  Operating  Partnership.  As  of  December 31,  2014,  we  owned 
approximately 97.2% of the interests in the Operating Partnership.  The limited partners are reflected as noncontrolling interests 
in our financial statements and are generally individuals or entities that contributed interests in certain assets or entities to the 
Operating Partnership in exchange for units of limited partnership interest (“OP Units”).  The holders of OP units are entitled to 
exchange them for our common shares on a 1:1 basis or for cash.  The form of payment is at our election.

We operate in a manner intended to qualify as a REIT pursuant to the provisions of the Internal Revenue Code of 1986, as amended 
(the “Code”).  Certain of our operations, including property and asset management, as well as ownership of certain land parcels, 
are conducted through taxable REIT subsidiaries, (“TRSs”), which are subject to federal and state income taxes.

1

Business Objectives, Strategies and Significant Transactions

Our  business  objective  is  to  own  and  manage  high  quality  shopping  centers  that  generate  cash  flow  for  distribution  to  our 
shareholders and that have the potential for capital appreciation.  To achieve this objective, we seek to acquire, develop, or redevelop 
shopping centers that meet our investment criteria.  We also seek to recycle capital through the sale of land or shopping centers 
that we deem to be fully valued or that no longer meet our investment criteria.  We use debt to finance our activities and focus on 
managing the amount, structure, and terms of our debt to limit the risks inherent in debt financing.  From time to time, we enter 
into joint venture arrangements where we believe we can benefit by owning a partial interest in shopping centers and by earning 
fees for managing the centers for our partners.

We invest primarily in large, multi-anchored shopping centers that include national chain store tenants and market dominant 
supermarket tenants.  National chain anchor tenants in our centers include, among others, TJ Maxx/Marshalls, Bed Bath and 
Beyond, Home Depot and Dick's Sporting Goods.  Supermarket anchor tenants in our centers include, among others, Publix Super 
Market, Whole Foods, Kroger and Sprouts.  Our shopping centers are primarily located in metropolitan markets such as Metro 
Detroit, Southeast Florida, Greater Denver, Cincinnati, St. Louis, Jacksonville, Tampa/Lakeland, Milwaukee, Chicago and Atlanta.

We also own land which is available for development or sale.  Approximately 44% of our land is available for sale primarily to 
retailers or restaurants that prefer to own and develop their sites.  The remaining land is available for development.  At December 31, 
2014, we had one project in pre-development and two projects where Phase I of the development was completed.  The remaining 
future Phases at those projects are in pre-development.  We estimate that if we proceed with the development of the projects, up 
to approximately 600,000 square feet of GLA could be developed, excluding various outparcels of land.  It is our policy to start 
vertical construction on new development projects only after the project has received entitlements, significant anchor commitments 
and construction financing, if appropriate. 

Operating Strategies and Significant Transactions

Our operating objective is to maximize the risk-adjusted return on invested capital at our shopping centers.  We seek to do so by 
increasing the property operating income of our centers, controlling our capital expenditures, and monitoring our tenants’ credit 
risk.  

During 2014, for the combined portfolio including wholly-owned and joint venture properties, we reported the following leasing 
activity:

Renewals
New Leases - Comparable
New Leases - Non-Comparable (1)
Total

Leasing
Transactions
233
27
85
345

Square
Footage
1,525,719 $
84,893
643,783
2,254,395 $

 Base Rent/
SF
13.24 $
15.83
13.24
13.34

Prior Rent/
SF
12.53 $
13.51
N/A
N/A $

Tenant
Improvements
/SF
— $

Leasing
Commissions/
SF
—
3.68
3.26
1.07

10.32
17.66
5.45 $

(1)  Non-comparable lease transactions include leases for space vacant for greater than 12 months, leases for space which has been 
combined from smaller spaces or demised from larger spaces, and leases structured differently from the prior lease.  As a result, 
there is no prior rent per square foot to compare to the base rent per square foot of the new lease.

At December 31, 2014, we had seven redevelopment or expansion projects in process with an anticipated cost of $51.1 million, 
of which $33.9 million remains to be invested.  Completion dates are anticipated from early 2015 to mid 2016.

Investing Strategies and Significant Transactions

Our investing objective is to generate an attractive risk-adjusted return on capital invested in acquisitions and developments.  In 
addition, we seek to sell land or shopping centers that we deem to be fully valued or that no longer meet our investment criteria.  We 
underwrite acquisitions based upon current cash flow, projections of future cash flow, and scenario analyses that take into account 
the risks and opportunities of ownership.  We underwrite development of new shopping centers on the same basis, but also take 
into account the unique risks of entitling land, constructing buildings, and leasing newly built space.  

In 2014, we completed construction of Phase I of Lakeland Park Center, a ground up development located in Lakeland, Florida, 
at a cost of approximately $33.4 million, excluding land cost.  Phase I consists of approximately 210,000 square feet of retail 
space.  The center was 98% leased and occupied as of December 31, 2014.

2

During 2014, we completed $323.1 million in wholly-owned acquisitions as follows:

Property Name

Location

Front Range Village
Bridgewater Falls Shopping Center
Woodbury Lakes
Buttermilk Towne Center
The Shoppes at Fox River
Total 2014 acquisitions

Fort Collins, CO
Hamilton (Cincinnati), OH
Woodbury (Minneapolis), MN
Crescent Springs (Cincinnati), KY
Waukesha (Milwaukee), WI

Purchase
Price

GLA

Excess
Acreage
(In thousands, except acreage)
459
504
305
278
—
1,546

— $
—
2.4
—
9.9
12.3

$

128,250
85,542
66,200
41,900
1,216
323,108

In  addition,  we  sold  five  wholly-owned  income-producing  properties  and  four  outparcels  for  net  proceeds  to  us  of  $34.2 
million.  Specifically, we sold:

Property Name

Location

Sales Price

Northwest Crossing
Naples Town Center
Lake Orion Plaza
Fraser Shopping Center
The Town Center at Aquia - El Gran Charro
Total consolidated income producing dispositions

Knoxville, TN
Naples, FL
Lake Orion, MI
Fraser, MI
Stafford, VA

Harvest Junction Land - BioLife Outparcel
Parkway Land - Wendy's Outparcel
Parkway Land - Express Oil Change Outparcel
Hartland Land - Taco Bell Outparcel
 Total consolidated outparcel dispositions

Total 2014 consolidated dispositions

Longmont, CO
Jacksonville, FL
Jacksonville, FL
Hartland Township, MI

$

$

$

$

$

15,550
7,150
4,300
3,250
1,730
31,980

1,568
900
680
650
3,798

35,778

Gain (loss)
on Sale
(In thousands)
7,082
$
2,343
288
186
123
10,022

$

$

$

$

371
258
215
(9)
835

10,857

$

$

$

$

$

Net
Proceeds

15,200
6,962
4,008
2,881
1,618
30,669

1,314
870
653
650
3,487

34,156

3

 
 
Financing Strategies and Significant Transactions

Our financing objective is to maintain a strong and flexible balance sheet in order to ensure access to capital at a competitive 
cost.  In general, we seek to increase our financial flexibility by increasing our pool of unencumbered properties and borrowing 
on an unsecured basis.  In keeping with our objective, we routinely benchmark our balance sheet on a variety of measures to our 
peers in the shopping center sector and to REITs in general.  

During 2014, we continued to strengthen our capital structure by completing one underwritten public offering of newly issued 
common shares and various debt transactions.

Specifically, we completed the following financing transactions:

Debt

• 

• 

• 

$100.0 million private placement of senior unsecured notes consisting of $50.0 million of notes with a ten-year term with 
a fixed interest rate of 4.65% and $50.0 million of notes with a twelve-year term at a fixed interest rate of 4.74%.  A 
"shelf" facility allows for an additional $50.0 million in notes to the same purchaser within the next three years, subject 
to approval, pricing and documentation;
$75.0 million senior unsecured term loan with an additional $75.0 million accordion feature.  The loan has a seven-year 
term and bears interest at an annual rate of LIBOR plus 1.25% to 2.25% (initially 1.70%) depending upon our leverage 
or credit rating.  The interest expense is hedged with an existing interest rate swap expiring in April 2016, resulting in 
an effective fixed initial annual rate of 2.9%; and 
$100.0 million private placement of senior unsecured notes consisting of $50.0 million of notes with a ten-year term 
priced at a fixed interest rate of 4.16% and $50.0 million of notes with a twelve-year term priced at a fixed interest rate 
of 4.30%. 

Gross proceeds from these financings was used in part to repay the following:

$45.0 million of variable-rate bank term debt due 2017;
$75.0 million of bank term debt also due in 2017;
$45.0 million balance on our unsecured revolving line of credit; 

• 
• 
• 
•  Mortgages securing two properties in the total amount of $29.8 million both with an interest rate of 5.4%.

In addition, in conjunction with our acquisition of Bridgewater Falls, we assumed a mortgage loan with a $58.6 million principal 
balance outstanding and an interest rate of 5.7%.  We recorded a premium of approximately $6.8 million based upon the fair value 
of the loan on the date it was assumed.

Equity

•  Completed one underwritten public offering issuing a total of 6.9 million common shares of beneficial interest.  Our total 

• 

net proceeds, after deducting expenses, were approximately $108.7 million; and 
Issued 3.8 million common shares through controlled equity offerings, at an average share price of $16.50, and received 
approximately $61.7 million in net proceeds. 

The proceeds from the equity transactions were used to fund a portion of the consideration for the acquisitions during the year, 
pay down debt, as well as for general corporate purposes.

As of December 31, 2014 we had net debt to total market capitalization of 35.7% as compared to 38.3%, at December 31, 2013.  At 
December 31, 2014 and 2013 we had $335.9 million and $204.8 million, respectively, available to draw under our unsecured 
revolving line of credit.

Competition

See page 6 of Item 1A. “Risk Factors” for a description of competitive conditions in our business.

Environmental Matters

See page 12 of Item 1A. "Risk Factors" for a description of environmental risks for our business.

4

Employment

As of December 31, 2014, we had 116 full-time employees. None of our employees is represented by a collective bargaining unit. 
We believe that our relations with our employees are good.

Available Information

All reports we electronically file with, or furnish to, the SEC, including our Annual Report on Form 10-K, Quarterly Reports on 
Form  10-Q,  Current  Reports  on  Form  8-K  and  amendments  to  such  reports,  are  available,  free  of  charge,  on  our  website  at 
www.rgpt.com, as soon as reasonably practicable after we electronically file such reports with, or furnish those reports to, the 
SEC.  Our Corporate Governance Guidelines, Code of Business Conduct and Ethics and Board of Trustees’ committee charters 
also are available on our website.

Shareholders may request free copies of these documents from:

Ramco-Gershenson Properties Trust
Attention:  Investor Relations
31500 Northwestern Highway, Suite 300
Farmington Hills, MI 48334

5

Item 1A.  Risk Factors

You should carefully consider each of the risks and uncertainties described below and elsewhere in this Annual Report on Form 
10-K, as well as any amendments or updates reflected in subsequent filings with the SEC.  We believe these risks and uncertainties, 
individually or in the aggregate, could cause our actual results to differ materially from expected and historical results and could 
materially and adversely affect our business operations, results of operations and financial condition.  Further, additional risks and 
uncertainties not presently known to us or that we currently deem immaterial may also impair our results and business operations.

Operating Risks

National economic conditions and retail sales trends may adversely affect the performance of our properties.

Demand to lease space in our shopping centers generally fluctuates with the overall economy.  Economic downturns often result 
in a lower rate of retail sales growth, or even declines in retail sales.  In response, retailers that lease space in shopping centers 
typically reduce their demand for retail space during such downturns.  As a result, economic downturns and unfavorable retail 
sales trends may diminish the income, cash flow, and value of our properties.  

Our concentration of properties in Michigan and Florida makes us more susceptible to adverse market conditions in these states.

Our performance depends on the economic conditions in the markets in which we operate.  In 2014, our wholly-owned and pro 
rata share of joint venture properties located in Michigan and Florida accounted for  approximately 29%, and 23%, respectively, 
of our annualized base rent. In 2013 Michigan and Florida accounted for approximately 35% and 25%, respectively.  To the extent 
that market conditions in these or other states in which we operate deteriorate, the performance or value of our properties may be 
adversely affected.

Changes in the supply and demand for the type of space we lease to our tenants could affect the income, cash flow, and value of 
our properties.

Our shopping centers generally compete for tenants with similar properties located in the same neighborhood, community, or 
region.  Although we believe we own high quality centers, competing centers may be newer, better located, or have a better tenant 
mix.  In addition, new centers or retail stores may be developed, increasing the supply of retail space competing with our centers 
or taking retail sales from our tenants.  Our tenants also compete with alternate forms of retailing, including on-line shopping, 
home shopping networks, and mail order catalogs.  Alternate forms of retailing may reduce the demand for space in our shopping 
centers.

As a result, we may not be able to renew leases or attract replacement tenants as leases expire.  When we do renew tenants or 
attract replacement tenants, the terms of renewals or new leases may be less favorable to us than current lease terms.  In order to 
lease our vacancies, we often incur costs to reconfigure or modernize our properties to suit the needs of a particular tenant.  Under 
competitive circumstances, such costs may exceed our budgets.   If we are unable to lease vacant space promptly, if the rental 
rates upon a renewal or new lease are lower than expected, or if the costs incurred to lease space exceed our expectations, then 
the income and cash flow of our properties will decrease.

Our reliance on key tenants for significant portions of our revenues exposes us to increased risk of tenant bankruptcies that could 
adversely affect our income and cash flow.

As of December 31, 2014, we received 38.7% of our combined annualized base rents from our top 25 tenants, including our top 
three tenants:  TJ Maxx/Marshalls (4.5%), LA Fitness (2.6%) and Bed Bath & Beyond (2.5%).  No other tenant represented more 
than 2.0% of our total annualized base rent.  The credit risk posed by our major tenants varies.

If any of our major tenants experiences financial difficulties or files for bankruptcy protection, our operating results could be 
adversely affected.  Bankruptcy filings by our tenants or lease guarantors generally delay our efforts to collect pre-bankruptcy 
receivables and could ultimately preclude full collection of these sums.  If a tenant rejects a lease, we would have only a general 
unsecured claim for damages, which may be collectible only to the extent that funds are available and only in the same percentage 
as is paid to all other holders of unsecured claims.  In 2014, no key tenant of ours filed for bankruptcy protection.

6

Our  properties  generally  rely  on  anchor  tenants  to  attract  customers.  The  loss  of  anchor  tenants  may  adversely  impact  the 
performance of our properties.

If any of our anchor tenants becomes insolvent, suffers a downturn in business, abandons occupancy, or decides not to renew its 
lease, such event may adversely impact the performance of the affected center.  An abandonment or lease termination by an anchor 
tenant may give other tenants in the same shopping center the right to terminate their leases or pay less rent pursuant to the terms 
of  their  leases.  Our  leases  with  anchor  tenants  may,  in  certain  circumstances,  permit  them  to  transfer  their  leases  to  other 
retailers.  The transfer to a new anchor tenant could result in lower customer traffic to the center, which could affect our other 
tenants.  In addition, a transfer of a lease to a new anchor tenant could give other tenants the right to make reduced rental payments 
or to terminate their leases.

We may be restricted from leasing vacant space based on existing exclusivity lease provisions with some of our tenants.

In a number of cases, our leases give a tenant the exclusive right to sell clearly identified types of merchandise or provide specific 
types of services at a particular shopping center.  In other cases, leases with a tenant may limit the ability of other tenants to sell 
similar merchandise or provide similar services to that tenant. When leasing a vacant space, these restrictions may limit the number 
and types of prospective tenants suitable for that space.  If we are unable to lease space on satisfactory terms, our operating results 
would be adversely impacted.

Increases in operating expenses could adversely affect our operating results.

Our operating expenses include, among other items, property taxes, insurance, utilities, repairs, and the maintenance of the common 
areas of our shopping centers.  We may experience increases in our operating expenses, some or all of which may be out of our 
control.  Most  of  our  leases  require  that  tenants  pay  for  a  share  of  property  taxes,  insurance  and  common  area  maintenance 
costs.  However, if any property is not fully occupied or if recovery income from tenants is not sufficient to cover operating 
expenses, then we could be required to expend our own funds for operating expenses.  In addition, we may be unable to renew 
leases or negotiate new leases with terms requiring our tenants to pay all the property tax, insurance, and common area maintenance 
costs that tenants currently pay, which could adversely affect our operating results.

If we suffer losses that are uninsured or in excess of our insurance coverage limits, we could lose invested capital and anticipated 
profits.

Catastrophic losses, such as losses resulting from wars, acts of terrorism, earthquakes, floods, hurricanes, and tornadoes or other 
natural disasters, pollution or environmental matters, generally are either uninsurable or not economically insurable, or may be 
subject to insurance coverage limitations, such as large deductibles or co-payments. Although we currently maintain “all risk” 
replacement cost insurance for our buildings, rents and personal property, commercial general liability insurance, and pollution 
and environmental liability insurance, our insurance coverage may be inadequate if any of the events described above occurs to, 
or causes the destruction of, one or more of our properties. Under that scenario, we could lose both our invested capital and 
anticipated profits from that property.

Our real estate assets may be subject to additional impairment provisions based on market and economic conditions.

On a periodic basis, we assess whether there are any indicators that the value of our real estate properties and other investments 
may be impaired. Under generally accepted accounting principles (“GAAP”) a property’s value is impaired only if the estimate 
of the aggregate future cash flows (undiscounted and without interest charges) to be generated by the property is less than the 
carrying value of the property. In our estimate of cash flows, we consider factors such as expected future operating income, trends 
and prospects, the effects of demand, competition and other factors. We are required to make subjective assessments as to whether 
there are impairments in the value of our real estate properties and other investments.

No assurance can be given that we will be able to recover the current carrying amount of all of our properties and those of our 
unconsolidated joint ventures.  There can be no assurance that we will not take charges in the future related to the impairment of 
our assets. Any future impairment could have a material adverse effect on our results of operations in the period in which the 
charge is taken.  We recorded an impairment provision of $27.9 million in 2014 related to our real estate properties.  Refer to Note 
6 of the notes to the consolidated financial statements for further information regarding impairment provisions.

7

 
We do not control all decisions related to the activities of joint ventures in which we are invested, and we may have conflicts of 
interest with our joint venture partners.

As  of  December 31,  2014,  we  had  interests  in  four  unconsolidated  joint  ventures  that  collectively  own  13  shopping 
centers.  Although  we  manage  the  properties  owned  by  these  joint  ventures,  we  do  not  control  the  decisions  for  the  joint 
ventures.  Accordingly, we may not be able to resolve in our favor any issues which arise, or we may have to provide financial or 
other inducements to our joint venture partners to obtain such favorable resolution.

Various restrictive provisions and rights govern sales or transfers of interests in our joint ventures.  We may be required to make 
decisions as to the purchase or sale of interests in our joint ventures at a time that is disadvantageous to us.  In addition, a bankruptcy 
filing of one of our joint venture partners could adversely affect us because we may make commitments that rely on our partners 
to fund capital from time to time.  The profitability of shopping centers held in a joint venture could also be adversely affected by 
the bankruptcy of one of our joint venture partners if, because of certain provisions of the bankruptcy laws, we were unable to 
make important decisions in a timely fashion or became subject to additional liabilities.

We may invest in additional joint ventures, the terms of which may differ from our existing joint ventures.  In general, we would 
expect to share the rights and obligations to make major decisions regarding the venture with our partners, which would expose 
us to the risks identified above.

Our equity investment in each of our unconsolidated joint ventures is subject to impairment testing in the event of certain triggering 
events, such as a change in market conditions or events at properties held by those joint ventures.  If the fair value of our equity 
investment is less than our net book value on an other than temporary basis, an impairment charge is required to be recognized 
under generally accepted accounting principles.  Refer to Note 6 of the notes to the consolidated financial statements for further 
information.

Market and economic conditions may impact our partners’ ability to perform in accordance with our real estate joint venture and 
partnership agreements resulting in a change in control.

Changes in control of our investments could result from events such as amendments to our real estate joint venture and partnership 
agreements, changes in debt guarantees or changes in ownership due to required capital contributions.  Any changes in control 
will result in the revaluation of our investments to fair value, which could lead to impairment.  We are unable to predict whether, 
or to what extent, a change in control may occur or what the impact of adverse market and economic conditions might be to our 
partners.

Our redevelopment projects may not yield anticipated returns, which would adversely affect our operating results.

Our redevelopment activities generally call for a capital commitment and project scope greater than that required to lease vacant 
space.  To the extent a significant amount of construction is required, we are susceptible to risks such as permitting, cost overruns 
and timing delays as a result of the lack of availability of materials and labor, the failure of tenants to commit or fulfill their 
commitments, weather conditions, and other factors outside of our control.  Any substantial unanticipated delays or expenses could 
adversely affect the investment returns from these redevelopment projects and adversely impact our operating results.

Investing Risks

We face competition for the acquisition and development of real estate properties, which may impede our ability to grow our 
operations or may increase the cost of these activities.

We compete with many other entities for the acquisition of shopping centers and land suitable for new developments, including 
other REITs, private institutional investors and other owner-operators of shopping centers.  In particular, larger REITs may enjoy 
competitive advantages that result from, among other things, a lower cost of capital.  These competitors may increase the market 
prices we would have to pay in order to acquire properties.  If we are unable to acquire properties that meet our criteria at prices 
we deem reasonable, our ability to grow may be adversely affected.

Commercial real estate investments are relatively illiquid, which could hamper our ability to dispose of properties that no longer 
meet our investment criteria or respond to adverse changes in the performance of our properties.

Because real estate investments are relatively illiquid, our ability to promptly sell one or more properties in our portfolio in response 
to changing economic, financial and investment conditions is limited.  The real estate market is affected by many factors, such as 
general economic conditions, supply and demand, availability of financing, interest rates and other factors that are beyond our 
8

control.  We cannot be certain that we will be able to sell any property for the price and other terms we seek, or that any price or 
other terms offered by a prospective purchaser would be acceptable to us.  We also cannot estimate with certainty the length of 
time needed to find a willing purchaser and to complete the sale of a property.  We may be required to expend funds to correct 
defects or to make improvements before a property can be sold.  Factors that impede our ability to dispose of properties could 
adversely affect our financial condition and operating results.

We are seeking to develop new properties, an activity that has inherent risks including cost overruns related to entitling land, 
improving the site, constructing buildings, and leasing new space.

We are seeking to develop and construct retail properties at several land parcels we own.  Our development and construction 
activities are subject to the following risks:

•  The pre-construction phase for a development project typically extends over several years, and the time to obtain 
anchor commitments, zoning and regulatory approvals, and financing can vary significantly from project to project;
•  We may not be able to obtain the necessary zoning or other governmental approvals for a project, or we may determine 
that the expected return on a project is not sufficient.  If we abandon our development activities with respect to a 
particular project, we may incur an impairment loss on our investment;

•  Construction and other project costs may exceed our original estimates because of increases in material and labor costs, 

delays and costs to obtain anchor and other tenant commitments;

•  We may not be able to obtain financing for construction;
•  Occupancy rates and rents at a completed project may not meet our projections; and
•  The time frame required for development, construction and lease-up of these properties means that we may have to 

wait years for a significant cash return.

If any of these events occur, our development activities may have an adverse effect on our results of operations, including additional 
impairment provisions.  For a detailed discussion of development projects, refer to Notes 3 and 6 of the notes to the consolidated 
financial statements.

Financing Risks

We have no corporate debt limitations.

Our  management  and  Board  of  Trustees  (“Board”)  have  discretion  to  increase  the  amount  of  our  outstanding  debt  at  any 
time.  Subject to existing financial covenants, we could become more highly leveraged, resulting in an increase in debt service 
costs that could adversely affect our cash flow and the amount available for distribution to our shareholders.  If we increase our 
debt, we may also increase the risk of default on our debt.

Our debt must be refinanced upon maturity, which makes us reliant on the capital markets on an ongoing basis.

We are not structured in a manner to generate and retain sufficient cash flow from operations to repay our debt at maturity.  Instead, 
we expect to refinance our debt by raising equity, debt, or other capital prior to the time that it matures.  As of December 31, 2014, 
we had $923.5 million of outstanding indebtedness, including $1.8 million of capital lease obligations.  Of this, $86.9 million 
matures in 2015.  In addition, our joint ventures had $170.2 million of outstanding indebtedness, of which our share is $37.0 
million. $41.9 million of joint venture debt matures in 2015, of which our share is $11.4 million.  The availability and price of 
capital can vary significantly.  If we seek to refinance maturing debt when capital market conditions are restrictive, we may find 
capital scarce, costly, or unavailable.  Refinancing debt at a higher cost would affect our operating results and cash available for 
distribution.  The failure to refinance our debt at maturity would result in default and the exercise by our lenders of the remedies 
available to them, including foreclosure and, in the case of recourse debt, liability for unpaid amounts.

Increases in interest rates may affect the cost of our variable-rate borrowings, our ability to refinance maturing debt, and the cost 
of any such refinancings.

As of December 31, 2014, we had seven interest rate swap agreements in effect for an aggregate notional amount of $210.0 million 
converting our floating rate corporate debt to fixed rate debt.  After accounting for these interest rate swap agreements, we had 
$38.1 million of variable rate debt outstanding.  Increases in interest rates on our existing indebtedness would increase our interest 

9

expense, which could adversely affect our cash flow and our ability to distribute cash to our shareholders.  For example, if market 
rates of interest on our variable rate debt outstanding as of December 31, 2014 increased by 1.0%, the increase in interest expense 
on our existing variable rate debt would decrease future earnings and cash flows by approximately $0.4 million annually.  Interest 
rate increases could also constrain our ability to refinance maturing debt because lenders may reduce their advance rates in order 
to maintain debt service coverage ratios.

Our mortgage debt exposes us to the risk of loss of property, which could adversely affect our financial condition.

As of December 31, 2014, we had $354.7 million of mortgage debt encumbering our properties.  A default on any of our mortgage 
debt may result in foreclosure actions by lenders and ultimately our loss of the mortgaged property.  We have entered into mortgage 
loans  which  are  secured  by  multiple  properties  and  contain  cross-collateralization  and  cross-default  provisions.  Cross-
collateralization provisions allow a lender to foreclose on multiple properties in the event that we default under the loan.  Cross-
default provisions allow a lender to foreclose on the related property in the event a default is declared under another loan.  For 
federal income tax purposes, a foreclosure of any of our properties would be treated as a sale of the property for a purchase price 
equal to the outstanding balance of the debt secured by the mortgage.  If the outstanding balance of the debt secured by the mortgage 
exceeds our tax basis in the property, we would recognize taxable income on foreclosure but would not receive any cash proceeds.

Financial  covenants  may  restrict  our  operating,  investing,  or  financing  activities,  which  may  adversely  impact  our  financial 
condition and operating results.

The financial covenants contained in our mortgages and debt agreements reduce our flexibility in conducting our operations and 
create a risk of default on our debt if we cannot continue to satisfy them.  The mortgages on our properties contain customary 
negative covenants such as those that limit our ability, without the prior consent of the lender, to further mortgage the applicable 
property or to discontinue insurance coverage.  In addition, if we breach covenants in our debt agreements, the lender can declare 
a default and require us to repay the debt immediately and, if the debt is secured, can ultimately take possession of the property 
securing the loan.

Our  outstanding  line  of  credit  contains  customary  restrictions,  requirements  and  other  limitations  on  our  ability  to  incur 
indebtedness, including limitations on the maximum ratio of total liabilities to assets, the minimum fixed charge coverage, and 
the minimum tangible net worth ratio.  Our ability to borrow under our line of credit is subject to compliance with these financial 
and  other  covenants.  We  rely  on  our  ability  to  borrow  under  our  line  of  credit  to  finance  acquisition,  development,  and 
redevelopment activities and for working capital.  If we are unable to borrow under our line of credit, our financial condition and 
results of operations would likely be adversely impacted.

Because we must distribute a substantial portion of our income annually in order to maintain our REIT status, we may not retain 
sufficient cash from operations to fund our investing needs.

As a REIT, we are subject to annual distribution requirements under the Code.  In general, we must distribute at least 90% of our 
REIT taxable income annually, excluding net capital gains, to our shareholders to maintain our REIT status.  We intend to make 
distributions to our shareholders to comply with the requirements of the Code.

Differences in timing between the recognition of taxable income and the actual receipt of cash could require us to sell assets or 
borrow funds on a short-term or long-term basis to meet the 90% distribution requirement.  In addition, the distribution requirement 
reduces the amount of cash we retain for use in funding our capital requirements and our growth.  As a result, we have historically 
funded our acquisition, development and redevelopment activities by any of the following:  selling assets that no longer meet our 
investment criteria; selling common shares and preferred shares; borrowing from financial institutions; and entering into joint 
venture transactions with third parties.  Our failure to obtain funds from these sources could limit our ability to grow, which could 
have a material adverse effect on the value of our securities.

There may be future dilution of our common shares

Our Declaration of Trust authorizes our Board to, among other things, issue additional common or preferred shares, or securities 
convertible  or  exchangeable  into  equity  securities,  without  shareholder  approval.  We  may  issue  such  additional  equity  or 
convertible securities to raise additional capital.  The issuance of any additional common or preferred shares or convertible securities 
could be dilutive to holders of our common shares.  Moreover, to the extent that we issue restricted shares, options or warrants to 
purchase our common shares in the future and those options or warrants are exercised or the restricted shares vest, our shareholders 
may experience further dilution.  Holders of our common shares have no preemptive rights that entitle them to purchase a pro rata 
share of any offering of shares of any class or series and, therefore, such sales or offerings could result in increased dilution to our 
shareholders.

10

We may issue debt and equity securities or securities convertible into equity securities, any of which may be senior to our common 
shares as to distributions and in liquidation, which could negatively affect the value of our common shares.

During 2014 we completed one underwritten public offering of 6.9 million common shares and issued 3.8 million common shares 
through controlled equity offerings.  In addition, there were 365,524 shares of unvested restricted common shares and options to 
purchase 155,248 common shares outstanding at December 31, 2014.

Corporate Risks

The price of our common shares may fluctuate significantly.

The market price of our common shares fluctuates based upon numerous factors, many of which are outside of our control.  A 
decline in our share price, whether related to our operating results or not, may constrain our ability to raise equity in pursuit of 
our business objectives.  In addition, a decline in price may affect the perceptions of lenders, tenants, or others with whom we 
transact.  Such parties may withdraw from doing business with us as a result.  An inability to raise capital at a suitable cost or at 
any cost, or to do business with certain tenants or other parties, could affect our operations and financial condition.

Our failure to qualify as a REIT would result in higher taxes and reduced cash available for distribution to our shareholders.

We intend to operate in a manner so as to qualify as a REIT for federal income tax purposes.  Our continued qualification as a 
REIT will depend on our satisfaction of certain asset, income, investment, organizational, distribution, shareholder ownership and 
other requirements on a continuing basis.  Our ability to satisfy the asset requirements depends upon our analysis of the fair market 
values of our assets, some of which are not susceptible to a precise determination, and for which we will not obtain independent 
appraisals.  In  addition,  our  compliance  with  the  REIT  income  and  asset  requirements  depends  upon  our  ability  to  manage 
successfully the composition of our income and assets on an ongoing basis.  Moreover, the proper classification of an instrument 
as debt or equity for federal income tax purposes may be uncertain in some circumstances, which could affect the application of 
the REIT qualification requirements.  Accordingly, there can be no assurance that the Internal Revenue Service (“IRS”) will not 
contend  that  our  interests  in  subsidiaries  or  other  issuers  constitute  a  violation  of  the  REIT  requirements.  Moreover,  future 
economic, market, legal, tax or other considerations may cause us to fail to qualify as a REIT.

If we were to fail to qualify as a REIT in any taxable year, we would be subject to federal income tax, including any applicable 
alternative minimum tax, on our taxable income at regular corporate rates, and distributions to shareholders would not be deductible 
by us in computing our taxable income.  Any such corporate tax liability could be substantial and would reduce the amount of 
cash available for distribution to our shareholders, which in turn could have an adverse impact on the value of, and trading prices 
for, our common shares.  Unless entitled to relief under certain Code provisions, we also would be disqualified from taxation as 
a REIT for the four taxable years following the year during which we ceased to qualify as a REIT.

Even as a REIT, we may be subject to various federal income and excise taxes, as well as state and local taxes.

Even as a REIT, we may be subject to federal income and excise taxes in various situations, such as if we fail to distribute all of 
our REIT taxable income. We also will be required to pay a 100% tax on non-arm’s length transactions between us and our TRSs 
and on any net income from sales of property that the IRS successfully asserts was property held for sale to customers in the 
ordinary course of business. Additionally, we may be subject to state or local taxation in various state or local jurisdictions, including 
those in which we transact business.  The state and local tax laws may not conform to the federal income tax treatment.  Any taxes 
imposed on us would reduce our operating cash flow and net income.

The rules dealing with federal income taxation are constantly under review by persons involved in the legislative process and by 
the IRS and the United States Treasury Department.  Changes to tax laws, which may have retroactive application, could adversely 
affect our shareholders or us.  We cannot predict how changes in tax laws might affect our shareholders or us.

11

We are party to litigation in the ordinary course of business, and an unfavorable court ruling could have a negative effect on us.

We are the defendant in a number of claims brought by various parties against us.  Although we intend to exercise due care and 
consideration in all aspects of our business, it is possible additional claims could be made against us.  We maintain insurance 
coverage including general liability coverage to help protect us in the event a claim is awarded; however, some claims may be 
uninsured.  In the event that claims against us are successful and uninsured or underinsured, or we elect to settle claims that we 
determine are in our interest to settle, our operating results and cash flow could be adversely impacted.  In addition, an increase 
in claims and/or payments could result in higher insurance premiums, which could also adversely affect our operating results and 
cash flow.

We are subject to various environmental laws and regulations which govern our operations and which may result in potential 
liability.

Under various federal, state and local laws, ordinances and regulations relating to the protection of the environment, a current or 
previous owner or operator of real estate may be liable for the costs of removal or remediation of certain hazardous or toxic 
substances  disposed,  stored,  released,  generated,  manufactured  or  discharged  from,  on,  at,  onto,  under  or  in  such  property. 
Environmental laws often impose such liability without regard to whether the owner or operator knew of, or was responsible for, 
the presence or release of such hazardous or toxic substance. The presence of such substances, or the failure to properly remediate 
such substances when present, released or discharged, may adversely affect the owner’s ability to sell or rent such property or to 
borrow using such property as collateral. The cost of any required remediation and the liability of the owner or operator therefore 
as to any property is generally not limited under such environmental laws and could exceed the value of the property and/or the 
aggregate assets of the owner or operator. Persons who arrange for the disposal or treatment of hazardous or toxic substances may 
also be liable for the cost of removal or remediation of such substances at a disposal or treatment facility, whether or not such 
facility is owned or operated by such persons. In addition to any action required by federal, state or local authorities, the presence 
or release of hazardous or toxic substances on or from any property could result in private plaintiffs bringing claims for personal 
injury or other causes of action.

In connection with ownership (direct or indirect), operation, management and development of real properties, we have the potential 
to be liable for remediation, releases or injury. In addition, environmental laws impose on owners or operators the requirement of 
ongoing compliance with rules and regulations regarding business-related activities that may affect the environment. Such activities 
include, for example, the ownership or use of transformers or underground tanks, the treatment or discharge of waste waters or 
other materials, the removal or abatement of asbestos-containing materials (“ACMs”) or lead-containing paint during renovations 
or otherwise, or notification to various parties concerning the potential presence of regulated matters, including ACMs. Failure to 
comply with such requirements could result in difficulty in the lease or sale of any affected property and/or the imposition of 
monetary penalties, fines or other sanctions in addition to the costs required to attain compliance.  Several of our properties have 
or may contain ACMs or underground storage tanks; however, we are not aware of any potential environmental liability which 
could reasonably be expected to have a material impact on our financial position or results of operations. No assurance can be 
given that future laws, ordinances or regulations will not impose any material environmental requirement or liability, or that a 
material adverse environmental condition does not otherwise exist.

Our business and operations would suffer in the event of system failures or cyber security attacks.

Despite  the  implementation  of  security  measures  and  the  existence  of  a  Disaster  Recovery  Plan  for  our  internal  information 
technology systems, our systems are vulnerable to damages from any number of sources, including energy blackouts, natural 
disasters, terrorism, war, telecommunication failures and cyber security attacks, such as computer viruses or unauthorized access.  
Any system failure or accident that causes interruptions in our operations could result in a material disruption to our business.  We 
may also incur additional costs to remedy damages caused by such disruptions.  Any compromise of our security could also result 
in a violation of applicable privacy and other laws, significant legal and financial exposure, damage to our reputation, loss or 
misuse of the information and a loss of confidence in our security measures, which could harm our business.

Restrictions on the ownership of our common shares are in place to preserve our REIT status.

Our Declaration of Trust restricts ownership by any one shareholder to no more than 9.8% of our outstanding common shares, 
subject to certain exceptions granted by our Board.  The ownership limit is intended to ensure that we maintain our REIT status 
given that the Code imposes certain limitations on the ownership of the stock of a REIT.  Not more than 50% in value of our 
outstanding shares of beneficial interest may be owned, directly or indirectly by five or fewer individuals (as defined in the Code) 
during the last half of any taxable year.  If an individual or entity were found to own constructively more than 9.8% in value of 
our outstanding shares, then any excess shares would be transferred by operation of our Declaration of Trust to a charitable trust, 

12

which would sell such shares for the benefit of the shareholder in accordance with procedures specified in our Declaration of 
Trust.

The ownership limit may discourage a change in control, may discourage tender offers for our common shares, and may limit the 
opportunities for our shareholders to receive a premium for their shares.  Upon due consideration, our Board previously has granted  
limited exceptions to this restriction for certain shareholders who requested an increase in their ownership limit.  However, the 
Board has no obligation to grant such limited exceptions in the future.

Certain anti-takeover provisions of our Declaration of Trust and Bylaws may inhibit a change of our control.

Certain provisions contained in our Declaration of Trust and Bylaws and the Maryland General Corporation Law, as applicable 
to Maryland REITs, may discourage a third party from making a tender offer or acquisition proposal to us. These provisions and 
actions may delay, deter or prevent a change in control or the removal of existing management. These provisions and actions also 
may delay or prevent the shareholders from receiving a premium for their common shares of beneficial interest over then-prevailing 
market prices.

These provisions and actions include:

• 

• 

• 

• 

• 

• 

the REIT ownership limit described above;

authorization  of  the  issuance  of  our  preferred  shares  of  beneficial  interest  with  powers,  preferences  or  rights  to  be 
determined by our Board;

special meetings of our shareholders may be called only by the chairman of our Board, the president, one-third of the 
Trustees, or the secretary upon the written request of the holders of shares entitled to cast not less than a majority of all 
the votes entitled to be cast at such meeting;

a two-thirds shareholder vote is required to approve some amendments to our Declaration of Trust;

our Bylaws contain advance-notice requirements for proposals to be presented at shareholder meetings; and

our Board, without the approval of our shareholders, may from time to time (i) amend our Declaration of Trust to increase 
or decrease the aggregate number of shares of beneficial interest, or the number of shares of beneficial interest of any 
class, that we have authority to issue, and (ii) reclassify any unissued shares of beneficial interest into one or more classes 
or series of shares of beneficial interest.

In addition, the Trust, by Board action, may elect to be subject to certain provisions of the Maryland General Corporation Law 
that inhibit takeovers such as the provision that permits the Board by way of resolution to classify itself, notwithstanding any 
provision our Declaration of Trust or Bylaws.

Certain officers and trustees may have potential conflicts of interests with respect to properties contributed to the Operating 
Partnership in exchange for OP Units.

Certain of our officers and members of our Board of Trustees own OP Units obtained in exchange for contributions of their 
partnership interests in properties to the Operating Partnership.  By virtue of this exchange, these individuals may have been able 
to defer some, if not all, of the income tax liability they could have incurred if they sold the properties for cash.  As a result, these 
individuals may have potential conflicts of interest with respect to these properties, such as sales or refinancings that might result 
in federal income tax consequences.

Item 1B.  Unresolved Staff Comments.

None.

13

Item 2.  Properties

As of December 31, 2014, we owned and managed a portfolio of 80 shopping centers and one office building with approximately 
16.9 million square feet of gross leasable area ("GLA").  Our wholly-owned properties consist of 67 shopping centers and one office 
building comprising approximately 14.2 million square feet ("SF"). 

Location
City

State

Ownership 
%

Year Built /
Acquired /
Redeveloped

Total GLA

%
Leased

Average 
base 
rent per 
leased 
SF (1) Anchor Tenants (2)

Property Name
CORE PORTFOLIO (3)

Front Range Village

Fort Collins

CO

100%

2008/2014/NA

459,307

95.7% $

19.38 CA, Inc., Charming Charlie,

Harvest Junction North

Longmont

CO

100% 2006/2012/NA

159,413

99.4% $

Cost Plus World Markets,
DSW, Microsoft
Corporation, Party City,
Sports Authority, Sprouts
Farmers Market, Staples,
Toys "R" Us, Ulta Beauty,
(Fort Collins Library),
(Lowes), (Target)

15.85 Best Buy, Dick's Sporting
Goods, Dollar Tree, DSW
Shoe Warehouse, Staples

Harvest Junction South

Longmont

CO

100% 2006/2012/NA

176,960

97.3%

14.73 Bed Bath & Beyond,

Cocoa Commons

Coral Creek Shops

Cypress Point

Cocoa

Coconut
Creek

Clearwater

Kissimmee West

Kissimmee

Lakeland Park Center

Lakeland

FL

FL

FL

FL

FL

Marshalls, Michaels, Petco,
Ross Dress for Less,
(Lowe's)

100% 2001/2007/2008

90,116

89.7%

11.91

Publix

100% 1992/2002/NA

109,312

92.7%

17.53

Publix

100% 1983/2007/NA

167,280

95.7%

12.15 Burlington Coat Factory,

7% 2005/2005/NA

115,586

95.1%

12.42

Chuck E. Cheese's, The
Fresh Market
Jo-Ann, Marshalls, (Super
Target)

100%

2014

210,965

98.1%

13.59 Dick's Sporting Goods,

Floor & Décor, Old Navy,
PetSmart, Ross Dress for
Less, Shoe Carnival

Marketplace of Delray

Delray
Beach

FL

100% 1981/2005/2010

240,789

91.6%

12.86 Beall's Outlet, Dollar Tree,

Office Depot, Ross Dress for
Less, Winn-Dixie

Mission Bay Plaza

Boca Raton

FL

100% 1989/2004/NA

264,748

97.6%

21.59 The Fresh Market,

Parkway Shops

Jacksonville

River City Marketplace

Jacksonville

River Crossing Centre

Rivertowne Square

Shoppes of Lakeland

New Port
Richey

Deerfield
Beach

Lakeland

FL

FL

FL

FL

FL

100%

2013/2011/NA

89,114

100.0%

13.37 Dick's Sporting Goods,

Marshalls

100% 2005/2005/NA

557,087

99.4%

17.09 Ashley Furniture

Golfsmith, LA Fitness,
OfficeMax, Toys "R" Us

HomeStore, Bed Bath &
Beyond, Best Buy,
Cracker Barrel, Gander
Mountain, Michaels,
OfficeMax, Old Navy,
PetSmart, Ross Dress for
Less, Hollywood Theaters,
(Lowe's), (Wal-Mart
Supercenter)

100% 1998/2003/NA

62,038

95.2%

12.50

Publix

100% 1980/1998/2010

141,943

96.2%

7.91 Beall's, CVS, Winn-Dixie

100% 1985/1996/NA

183,842

99.0%

12.96 Ashley Furniture

HomeStore, Dollar Tree,
Michaels, Petco, Staples,
T.J. Maxx, (Target)

14

 
 
 
 
 
 
 
Property Name

The Crossroads

The Plaza at Delray

Treasure Coast Commons

Village Lakes Shopping
Center

Village of Oriole Plaza

Village Plaza

Vista Plaza

West Broward Shopping
Center

Centre at Woodstock

Conyers Crossing

Holcomb Center

Horizon Village

Location
City

Royal Palm
Beach

Delray
Beach

Jensen
Beach

Land O'
Lakes

Delray
Beach

Lakeland

Jensen
Beach

Woodstock

Conyers

Roswell

Suwanee

Peachtree Hill

Promenade at Pleasant Hill

Duluth

Duluth

Deer Grove Centre

Palatine

Liberty Square

Market Plaza

Mount Prospect Plaza

Rolling Meadows
Shopping Center

Wauconda

Glen Ellyn

Mount
Prospect

Rolling
Meadows

State

Ownership 
%

Year Built /
Acquired /
Redeveloped

Total GLA

%
Leased

100% 1988/2002/NA

120,092

95.0%

Average 
base 
rent per 
leased 
SF (1) Anchor Tenants (2)
16.08 Dollar Tree, Publix,
Walgreens

20% 1979/2004/NA

313,913

97.4%

17.09 Anna's Linens, CVS, Duffy's

Sports Grill, LA Fitness,
Marshalls, Michaels, Publix,
Ross Dress for Less, T.J.
Maxx, Ulta Beauty

100% 1996/2004/NA

92,979

100.0%

12.26 Barnes & Noble, OfficeMax,

100% 1987/1997/NA

168,751

80.7%

30% 1986/2005/NA

155,770

94.6%

Sports Authority

8.87 Beall's Outlet, Dollar Tree,
Marshalls, Ross Dress for
Less, You Fit Health Club

13.42 Glick's Kosher Market,
Oriole Cinemas, Publix,
Walgreens

100% 1989/2004/NA

103,956

93.9%

14.16 Big Lots, Party City

100% 1998/2004/NA

109,761

100.0%

13.58 Bed Bath & Beyond,

Michaels, Total Wine &
More

FL

FL

FL

FL

FL

FL

FL

Plantation

FL

100% 1965/2005/NA

152,973

98.7%

10.89 Badcock, DD's Discounts,

Dollar Tree, Save-A-Lot, US
Postal Service, Walgreens

GA

GA

GA

GA

GA

GA

IL

IL

IL

IL

IL

100% 1997/2004/NA

86,748

100.0%

12.09

Publix

100% 1978/1998/NA

170,475

99.4%

5.07 Burlington Coat Factory,

100% 1986/1996/2010

106,003

85.6%

11.75

Hobby Lobby

Just Fitness, Studio Movie
Grill

100% 1996/2002/NA

97,001

91.5%

11.05 Crossroads Treatment

20% 1986/2007/NA

100% 1993/2004/2014

154,700

261,808

94.5%

93.5%

Center, Movie Tavern, You
Fit Health Club

13.10 Kroger, LA Fitness

9.45

Farmers Home Furniture, 
K1 Speed, LA Fitness (5),  
Publix

100% 1997/2013/2013

235,840

90.6%

11.74 Dominick's Supermarkets (3), 

Dress Barn, Petco, Staples, 
T J Maxx, (Target)

100% 1987/2010/2008

20% 1965/2007/2009

100% 1962/2013/2013

107,427

163,054

300,682

85.0%

96.3%

89.5%

13.99

Jewel-Osco

16.15

Jewel-Osco, Staples

11.97 Aldi, Dollar Tree, LA

Fitness, Marshalls, Petco,
Ross Dress for Less,
Walgreens

20% 1956/2008/1995

134,012

88.4%

10.51 Dollar Tree, Jewel-Osco,

Northwest Community
Hospital

12.57 Bang Fitness (5), Cost Plus, 
Flix Brewhouse (5),Hancock 
Fabrics, Petco, Tuesday 
Morning, (Marsh 
Supermarket)

Merchants' Square

Carmel

IN

100% 1970/2010/2014

248,369

82.3%

Nora Plaza

Indianapolis

IN

7% 1958/2007/2002

139,753

97.2%

13.74

Buttermilk Towne Center

Crescent
Springs

KY

100% 2005/2014/NA

277,533

100.0%

9.15

Firestone, Marshalls, Whole
Foods Market, (Target)

Field & Stream, Home
Depot, LA Fitness, Remke
Market

Crofton Centre

Crofton

MD

20% 1974/1996/NA

252,230

97.2%

8.20 Gold's Gym, Goodwill,

Hibachi Grill & Supreme
Buffet, Kmart, Shoppers
Food Warehouse, United
Tile and Granite

15

Property Name

Clinton Pointe

Clinton Valley

Location
City

Clinton
Township

Sterling
Heights

Ownership 
%

Year Built /
Acquired /
Redeveloped

Total GLA

%
Leased

100% 1992/2003/NA

135,330

100.0%

State

MI

Average 
base 
rent per 
leased 
SF (1) Anchor Tenants (2)
Famous Footwear,
9.64
OfficeMax, Planet Fitness,
Sports Authority, (Target)

MI

100% 1977/1996/2009

200,935

98.2%

12.20 DSW Shoe Warehouse,

Famous Furniture, Hobby
Lobby, Office Depot,
OptimEyes

Gaines Marketplace

Hoover Eleven

Gaines
Township

Warren

MI

MI

100% 2004/2004/NA

184,376

100.0%

7.47

Staples, Target, (Meijer)

100% 1989/2003/NA

280,719

93.5%

11.63 CVS, Dollar Tree, Dress

Barn/Dress Barn Woman,
Dunham's, Kroger,
Marshalls, OfficeMax

Hunter's Square

Farmington
Hills

MI

100% 1988/2005/NA

354,323

89.4%

17.15 Bed Bath & Beyond, Buy

Buy Baby, Marshalls,
Michaels, Old Navy, T.J.
Maxx

Jackson Crossing

Jackson

MI

100% 1967/1996/2002

402,326

97.5%

10.38 Bed Bath & Beyond, Best

Buy, Citi Trends, Deb,
Dollar Tree, Jackson 10
Theater, Kohl's, MC
Sporting Goods, T.J. Maxx,
Toys "R" Us, Ulta Beauty,
(Sears), (Target)

Jackson West

Jackson

MI

100% 1996/1996/1999

209,800

97.7%

7.41 GFS Marketplace, Lowe's,

Lakeshore Marketplace

Livonia Plaza

Millennium Park

Norton
Shores

Livonia

Livonia

New Towne Plaza

Oak Brook Square

Canton
Township

Flint

Roseville Towne Center

Roseville

MI

100% 1996/2003/NA

342,991

96.0%

Michaels, OfficeMax,
PetSmart

8.72 Barnes & Noble, Dollar
Tree, DSW Shoe
Warehouse, Dunham's,
Gordmans, Hobby Lobby,
Old Navy, Petco, T.J. Maxx,
Toys "R" Us, (Target)

MI

MI

MI

MI

MI

100% 1988/2003/NA

137,391

100.0%

11.28 Kroger, T.J. Maxx

30% 2000/2005/NA

272,568

100.0%

14.36

Five Below, Home Depot,
Marshalls, Michaels,
PetSmart, Ulta Beauty,
(Costco), (Meijer)

100% 1975/1996/2005

192,587

100.0%

10.82 DSW Shoe Warehouse, Jo-

Ann, Kohl's

100% 1982/1996/2008

152,073

93.2%

9.38 Dollar Tree, Hobby Lobby,

T.J. Maxx

100% 1963/1996/2004

76,998

100.0%

12.05 CVS, Dollar Tree, Five

Below, Marshalls, (Wal-
Mart)

Dearborn

MI

100% 1987/2003/2007

157,225

100.0% $

13.42 Best Buy, Citi Trends,

Shoppes at Fairlane
Meadows

Southfield Plaza

Tel-Twelve

Southfield

Southfield

The Auburn Mile 1

Auburn Hills

The Shops at Old Orchard

Troy Marketplace

West
Bloomfield

Troy

MI

MI

MI

MI

MI

100% 1969/1996/2003

190,099

98.9%

8.80 Big Lots, Burlington Coat

Factory, Forman Mills

100% 1968/1996/2005

523,411

100.0%

10.99 Best Buy, DSW Shoe

David's Bridal, Dollar Tree,
(Burlington Coat Factory),
(Target)

100% 2000/1999/NA

90,553

100.0%

10.95

100% 1972/2007/2011

96,768

100.0%

17.80

Warehouse, Lowe's, Meijer,
Michaels, Office Depot,
PetSmart, Pier1 Imports

Jo-Ann, Staples, (Best Buy),
(Costco), (Meijer), (Target)

Plum Market, Witbeck
Home Appliance

100% 2000/2005/2010

217,754

100.0%

16.86 Airtime, Golfsmith, LA

Fitness, Nordstrom Rack,
PetSmart, Total Hockey,
(REI)

West Oaks I

Novi

MI

100% 1979/1996/2004

243,987

100.0%

9.88 Best Buy, David's Bridal,

DSW Shoe Warehouse,
Gander Mountain, Home
Goods & Michaels-Sublease
of JLPK-Novi LLC, Old
Navy, Party City

16

Property Name

West Oaks II

Location
City

State

Ownership 
%

Year Built /
Acquired /
Redeveloped

Total GLA

%
Leased

Novi

MI

100% 1986/1996/2000

167,954

98.7%

Average 
base 
rent per 
leased 
SF (1) Anchor Tenants (2)
17.87

Jo-Ann, Marshalls, (Bed
Bath & Beyond), (Big Lots),
(Kohl's), (Toys "R" Us),
(Value City Furniture)

Winchester Center

Rochester
Hills

MI

100% 1980/2005/NA

314,575

94.4%

10.45 Bed Bath & Beyond, Dick's

Sporting Goods, Legacy
Volleyball Club, Marshalls,
Michaels, Old Navy, Party
City, PetSmart, Pier 1
Imports

buybuy Baby, Charming
Charlie, DSW, Gap, H & M,
Michaels, Victoria's Secret
(Trader Joe's)

buybuy Baby, Five Below,
Jo-Ann, OfficeMax, Ross
Dress for Less, Tuesday
Morning

Woodbury Lakes

Woodbury

MN

100% 2005/2014/NA

305,086

87.2%

21.38

Central Plaza

Ballwin

MO

100% 1970/2012/2012

166,431

100.0%

11.38

Deer Creek Shopping
Center

Maplewood

MO

100% 1975/2013/2013

208,144

100.0%

10.16 Buy Buy Baby, GFS
Marketplace, Jo-Ann,
Marshalls, Ross Dress for
Less, Shoe Carnival, State of
Missouri

Heritage Place

Creve Coeur
(St Louis)

MO

100% 1989/2011/2005

269,105

96.4%

13.60 Dierbergs Markets,

Marshalls, Office Depot,
Petco, T.J. Maxx

Town & Country Crossing

Chester Springs Shopping
Center

Town &
Country

Chester

MO

NJ

100% 2008/2011/2011

148,630

88.5%

26.08 Whole Foods Market,

20%

1970/1996/1999

222,930

93.8%

(Target)

14.67 CVS, Marshalls, Nitroflex
Gym, Shop-Rite
Supermarket, Staples

Bridgewater Falls

Hamilton

OH

100% 2005/2014/NA

503,502

94.7%

13.93 Bed Bath & Beyond, Best

Crossroads Centre 1

Rossford

OH

100% 2001/2001/NA

344,045

97.6%

Buy, Dick's Sporting Goods,
J.C. Penney, Michaels, Old
Navy, Party City, PetSmart,
Staples, T.J. Maxx, Ulta
Beauty, (Target)

8.90 Giant Eagle(4), Home Depot, 
Michaels, T.J. Maxx, 
Tuesday Morning, (Target)

Deerfield Towne Center

Mason

OH

100% 2004/2013/2013

460,675

87.9%

19.44 Ashley Furniture

HomeStore, Bed Bath &
Beyond, Buy Buy Baby,
Charming Charlie's, Dick's
Sporting Goods, Regal
Cinemas, Ulta Beauty,
Whole Foods Market

Olentangy Plaza

Columbus

OH

20% 1981/2007/1997

253,204

94.5%

10.96 Eurolife Furniture,

Marshalls, Metro Fitness,
Micro Center, Columbus
Asia Market-Sublease of
SuperValu, Tuesday
Morning

Rossford Pointe

Rossford

Spring Meadows Place

Holland

OH

OH

100% 2006/2005/NA

47,477

96.6%

9.98 MC Sporting Goods,

PetSmart

100% 1987/1996/2005

259,362

92.4%

10.61 Ashley Furniture

HomeStore, Big Lots, Dollar
Tree, Guitar Center,
OfficeMax, Party City,
PetSmart, T.J. Maxx, (Best
Buy), (Dick's Sporting
Goods), (Kroger), (Sam's
Club), (Target)

The Shops on Lane Avenue

Upper
Arlington

OH

20% 1952/2007/2004

170,719

93.9%

21.44 Bed Bath & Beyond, Pier 1

Imports, Whole Foods
Market

17

Property Name

Troy Towne Center

Location
City

State

Ownership 
%

Year Built /
Acquired /
Redeveloped

Total GLA

%
Leased

Troy

OH

100% 1990/1996/2003

144,485

98.3 % $

Average 
base 
rent per 
leased 
SF (1) Anchor Tenants (2)
7.14 Kohl's, Petco, Shoe Carnival 

(5), (Wal-Mart Supercenter)

East Town Plaza

Madison

WI

100% 1992/2000/2000

208,472

84.6 %

9.83 Burlington Coat Factory,

Nagawaukee Center

Delafield

The Shoppes at Fox River

Waukesha

WI

WI

100% 1994/2012-13/NA

219,538

99.0 %

100% 2009/2010/2011

237,392

100.0 %

West Allis Towne Centre

West Allis

WI

100% 1987/1996/2011

326,271

97.1 %

FUTURE REDEVELOPMENTS/AVAILABLE FOR SALE (6):

Martin Square

Stuart

FL

30% 1981/2005/NA

331,105

66.0 % $

DSW Shoe Warehouse, Jo-
Ann, Kirkland's Home,
Marshalls, Party City, Ulta
Beauty, (Shopko), (Babies
"R" Us)

13.81 Kohl's, Marshalls, Sports
Authority, (Sentry Foods)

14.25 Hobby Lobby, Petco, Pick 'n
Save, T.J. Maxx, Ulta
Beauty, (Target)
8.77 Burlington Coat Factory, 
Citi Trends, Dollar Tree, 
Harbor Freight Tools, 
Kmart, Lumber Liquidators, 
Office Depot (4), Party City, 
Xperience Fitness

6.69 Home Depot, Paradise
Home & Patio, Staples,
Walgreens

The Town Center at Aquia

Stafford

The Town Center at Aquia
Office

Stafford

VA

VA

100% 1989/1998/NA

34,720

100.0 % $

9.27 Regal Cinemas, Rite Aid

100% 1989/1998/2009

98,147

48.2 % $

Pharmacy
28.02 Cask Technologies(5)

PORTFOLIO TOTAL / AVERAGE

16,886,513

94.6% $

12.95

Footnotes

(1)  Average base rent per leased SF is calculated based on annual minimum contractual base rent pursuant to the tenant lease, 
     excluding percentage rent, recovery income from tenants, and is net of tenant concessions.  Percentage rent and recovery 
     income from tenants is presented separately in our consolidated statements of operations and comprehensive income (loss) statement.
(2) Anchor tenants is defined as any tenant leasing 10,000 square feet or more.  Tenants in parenthesis represent non-company owned GLA. 
(3) We define Core Portfolio as stabilized assets that are not currently under development/redevelopment.
(4)  Tenant closed - lease obligated.
(5) Space delivered to tenant.
(6)  Represents 1.5% of combined portfolio annual base rent. 

Our leases for tenant space under 10,000 square feet generally have terms ranging from three to five years.  Tenant leases greater 
than or equal to 10,000 square feet generally have lease terms of five years or longer, and are considered anchor leases.  Many of 
the anchor leases contain provisions allowing the tenant the option of extending the lease term at expiration at contracted rental 
rates that often include fixed rent increases, consumer price index adjustments or other market rate adjustments from the prior base 
rent.  The majority of our leases provide for monthly payment of base rent in advance, percentage rent based on the tenant’s sales 
volume, reimbursement of the tenant’s allocable real estate taxes, insurance and common area maintenance (“CAM”) expenses and 
reimbursement for utility costs if not directly metered.

18

 
 
 
 
 
Major Tenants

The following table sets forth as of December 31, 2014 the gross leasable area, or GLA, of our existing properties leased to tenants 
in our combined properties portfolio: 

Type of Tenant

Anchor (1)
Retail (non-anchor)

Total

% of Total
Annualized Base
Rent

GLA (2) % of Total GLA (2)

Annualized Base
Rent

$ 117,614,266

88,055,930

$ 205,670,196

100.0%

16,886,513

57.2%

42.8%

11,913,200

4,973,313

70.5%

29.5%

100.0%

(1) We define anchor tenants as tenants occupying a space consisting of 10,000 square feet or more.
(2) GLA owned directly by us or our unconsolidated joint ventures.

The following table depicts, as of December 31, 2014, information regarding leases with the 25 largest retail tenants (in terms of 
annualized base rent) in our combined properties portfolio: 

Tenant Name
TJX Companies
LA Fitness

Bed Bath & Beyond

Dick's Sporting Goods

Office Depot

The Home Depot

Michaels Stores

PetSmart

Best Buy

Dollar Tree

Publix Super Markets

Ascena Retail

DSW Designer Shoe Warehouse

Whole Foods Market

Jo-Ann Fabric and Craft Stores

ULTA Beauty

Regal Cinemas

Burlington Coat Factory

Staples

Ross Stores

Kohl's

Gap, Inc.

Gander Mountain

Sports Authority

Lowe's Home Centers

Credit Rating 
S&P/Moody's (1)
A+/A3
B/B2

Number
of Leases
32
7

A-/Baa1

--/--

B-/B2

A/A2

B/B3

BB+/--

BB/Baa2

--/--

--/--

--/--

--/--

BBB-/--

B/Caa1

--/--

--/--

B/--

BBB-/Baa2

A-/A3

BBB/Baa1

BBB-/Baa3

--/--

--/B3

A-/A3

16

7

13

4

13

10

7

29

8

26

9

4

7

12

3

5

10

10

6

10

2

4

2

GLA
974,725
297,300

466,700

353,737

308,933

487,203

287,298

208,873

236,677

300,143

372,141

147,935

169,773

152,657

233,947

123,842

143,080

360,867

202,710

262,734

363,081

145,941

159,791

172,705

270,394

% of 
Total 
GLA (2)

5.8 % $
1.8 %

Total
Annualized
Base Rent
9,323,498
5,339,870

Annualized
Base Rent
PSF
9.57
17.96

$

% of
Annualized
Base Rent
4.5 %
2.6 %

2.8 %

2.1 %

1.8 %

2.9 %

1.7 %

1.2 %

1.4 %

1.8 %

2.2 %

0.9 %

1.0 %

0.9 %

1.4 %

0.7 %

0.8 %

2.1 %

1.2 %

1.6 %

2.2 %

0.9 %

0.9 %

1.0 %

1.6 %

5,094,117

3,756,143

3,660,738

3,465,250

3,206,853

3,040,114

3,019,499

2,911,753

2,790,512

2,787,604

2,770,983

2,747,953

2,741,288

2,737,536

2,672,623

2,461,341

2,376,498

2,268,726

2,239,857

2,187,530

2,023,539

1,989,264

1,919,646

10.92

10.62

11.85

7.11

11.16

14.55

12.76

9.70

7.50

18.84

16.32

18.00

11.72

22.11

18.68

6.82

11.72

8.64

6.17

14.99

12.66

11.52

7.10

2.5 %

1.8 %

1.8 %

1.7 %

1.6 %

1.5 %

1.5 %

1.4 %

1.4 %

1.4 %

1.3 %

1.3 %

1.3 %

1.3 %

1.3 %

1.2 %

1.2 %

1.1 %

1.1 %

1.1 %

1.0 %

0.9 %

0.9 %

Sub-Total top 25 tenants

256

7,203,187

42.7 % $ 79,532,735

$

11.04

38.7 %

Remaining tenants

1,565

8,674,455

51.3 % 126,137,461

14.54

61.3 %

Sub-Total all tenants

1,821

15,877,642

94.0% $ 205,670,196

$

12.95

100.0%

Leased / Vacant

249

1,008,871

6.0 %

 N/A

Total including vacant

2,070

16,886,513

100.0% $ 205,670,196

N/A

 N/A

N/A

100.0%

  (1) Source: Latest Company filings per CreditRiskMonitor.

19

Lease Expirations

The following tables set forth a schedule of lease expirations, for our combined portfolio, for the next ten years and thereafter, 
assuming that no renewal options are exercised:

ALL TENANTS 

Expiring Leases As of December 31, 2014

Year

(3)

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026+
Sub-Total
Leased (4)
Vacant
Total

Number of
Leases

39
226
326
298
242
196
133
69
63
81
60
37
51
1,821
9
240
2,070

GLA (1)

139,001
974,612
2,118,337
1,871,799
1,404,530
1,566,979
1,488,567
1,035,809
877,430
1,289,098
829,318
676,934
1,605,228
15,877,642
102,956
905,915
16,886,513

Average
Annualized
 Base Rent

Total
 Annualized
 Base Rent (2)

% of Total
Annualized
 Base Rent

(per square foot)
10.27
14.08
14.13
14.20
15.14
12.70
10.88
11.53
13.56
12.38
11.43
12.19
11.91
12.95
 N/A
 N/A
12.95

$

$

$

$

$

$

1,428,004
13,719,878
29,936,996
26,574,937
21,265,039
19,894,264
16,199,956
11,942,004
11,894,155
15,961,341
9,479,376
8,253,393
19,120,853
205,670,196

 N/A
 N/A

205,670,196

0.7 %
6.7 %
14.6 %
12.9 %
10.3 %
9.7 %
7.9 %
5.8 %
5.8 %
7.8 %
4.6 %
4.0 %
9.2 %
100.0%
N/A
N/A
100.0%

 ANCHOR TENANTS (greater than or equal to 10,000 square feet) 

Expiring Anchor Leases As of December 31, 2014

Year

(3)

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026+
Sub-Total
Leased (4)
Vacant
Total

Number of
Leases

3
18
51
47
37
33
34
27
24
34
21
16
28
373
3
13
389

GLA (1)

61,010
436,346
1,374,872
1,196,112
836,331
1,026,787
1,153,262
888,992
729,114
1,047,716
671,503
575,193
1,512,885
11,510,123
70,957
332,120
11,913,200

Average
Annualized
 Base Rent

Total
 Annualized
 Base Rent (2)

% of Total
Annualized
 Base Rent

(per square foot)
5.51
9.06
10.36
10.82
11.31
9.01
8.43
10.11
11.84
10.53
9.41
10.67
10.97
10.22
 N/A
 N/A
10.22

$

$

$

$

336,000
3,953,077
14,247,446
12,939,329
9,460,984
9,253,618
9,722,885
8,988,080
8,631,807
11,036,014
6,318,791
6,134,751
16,591,484
117,614,266

N/A
 N/A

117,614,266

0.3 %
3.4 %
12.1 %
11.0 %
8.0 %
7.9 %
8.3 %
7.6 %
7.3 %
9.4 %
5.4 %
5.2 %
14.1 %
100.0%
 N/A
 N/A
100.0%

(1) GLA owned directly by us or our unconsolidated joint ventures.
(2) Annualized Base Rent is based upon rents currently in place.
(3) Tenants currently under month to month lease or in the process of renewal.
(4) Lease has been executed, but space has not yet been delivered.

20

 
NON-ANCHOR TENANTS (less than 10,000 square feet)

Expiring Non-Anchor Leases As of December 31, 2014

Average
Annualized
 Base Rent
(per square foot)
14.00
$
18.14
21.10
20.18
20.77
19.70
19.32
20.12
22.00
20.40
20.03
20.82
27.39
20.16
 N/A
 N/A
20.16

$

$

Total
 Annualized
 Base Rent (1)

% of Total
Annualized
 Base Rent

$

$

$

1,092,004
9,766,801
15,689,550
13,635,608
11,804,055
10,640,646
6,477,071
2,953,924
3,262,348
4,925,327
3,160,585
2,118,642
2,529,369
88,055,930

 N/A
 N/A

88,055,930

1.2 %
11.1 %
17.8 %
15.5 %
13.4 %
12.1 %
7.4 %
3.4 %
3.7 %
5.6 %
3.6 %
2.4 %
2.8 %
100.0%
 N/A
 N/A
100.0%

Year

(3)

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026+
Sub-Total
Leased (4)
Vacant
Total

Number of
Leases

36
208
275
251
205
163
99
42
39
47
39
21
23
1,448
6
227
1,681

GLA (2)

77,991
538,266
743,465
675,687
568,199
540,192
335,305
146,817
148,316
241,382
157,815
101,741
92,343
4,367,519
31,999
573,795
4,973,313

(1) GLA owned directly by us or our unconsolidated joint ventures.
(2)  Annualized Base Rent is based upon rents currently in place.
(3) Tenants currently under month to month lease or in the process of renewal.
(4) Lease has been executed, but space has not yet been delivered.

Land Available for Development and/or Sale

At December 31, 2014, we had one project in pre-development and two projects where Phase I of the development was completed.  
The remaining future Phases at those projects are in pre-development.  We also have various additional parcels of land available 
for development or sale.  It is our policy to start vertical construction on new development projects only after the project has received 
entitlements, significant anchor leasing commitments and an identified source of construction financing.

During 2014 we completed construction of Phase I of Lakeland Park Center, a ground up development located in Lakeland, Florida, 
at a cost of approximately $33.4 million, excluding land cost.  Phase I consists of approximately 210,000 square feet of retail space.  
The center was 98% leased and occupied as of December 31, 2014. 

Our development and construction activities are subject to risks such as inability to obtain the necessary zoning or other governmental 
approvals for a project, determination that the expected return on a project is not sufficient to warrant continuation of the planned 
development or change in plan or scope for the development.  If any of these events occur, we may record an impairment provision.

During the fourth quarter of 2014, we recorded an impairment provision of $23.3 million primarily due to changes in our plans for 
certain parcels.  We recorded impairment provisions of $0.3 million and $1.4 million in 2013 and 2012, respectively, related to 
developable land that we decided to market for sale.  For a detailed discussion of our development projects, refer to Notes 3 and 6 
of the notes to the consolidated financial statements.

Insurance

Our tenants are generally responsible under their leases for providing adequate insurance on the spaces they lease.  We believe that 
our properties are adequately covered by commercial general liability, fire, flood, terrorism, environmental, and where necessary, 
hurricane  and  windstorm  insurance  coverages,  which  are  all  provided  by  reputable  companies,  with  commercially  reasonable 
exclusions, deductibles and limits.

21

 
 
 
Item 3. Legal Proceedings

We are currently involved in certain litigation arising in the ordinary course of business.

Item 4. Mine Safety Disclosures

Not Applicable

22

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

PART II

Market Information

Our common shares are currently listed and traded on the New York Stock Exchange (“NYSE”) under the symbol “RPT”.  On 
February 13, 2015, the closing price of our common shares on the NYSE was $19.37.

Shareholder Return Performance Graph

The following line graph sets forth the cumulative total return on a $100 investment (assuming the reinvestment of dividends) in 
each  of  our  common  shares,  the  NAREIT  Equity  Index,  and  the  S&P  500  Index  for  the  period  December  31,  2009  through 
December 31, 2014.  The stock price performance shown is not necessarily indicative of future price performance.

The following table depicts high/low closing prices and dividends declared per share for each quarter in 2014 and 2013:

Quarter Ended
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014

December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013

(1)  Paid on January 2, 2015
(2)  Paid on January 2, 2014

Stock Price

High

Low

Dividends

$
$
$
$

$
$
$
$

18.99
17.35
17.03
16.76

16.57
16.11
17.68
16.82

$
$
$
$

$
$
$
$

15.86
16.25
15.94
15.35

14.77
14.24
14.48
13.72

$
$
$
$

$
$
$
$

0.20000
0.20000
0.18750
0.18750

0.18750
0.18750
0.16825
0.16825

(1)

(2)

23

Holders

The number of holders of record of our common shares was 1,341 at February 13, 2015.  A substantially greater number of holders 
are beneficial owners whose shares of record are held by banks, brokers and other financial institutions.

Dividends

Under the Code, a REIT must meet requirements, including a requirement that it distribute to its shareholders at least 90% of its 
REIT taxable income annually, excluding net capital gain.  Distributions paid by us are at the discretion of our Board and depend 
on  our  actual  net  income  available  to  common  shareholders,  cash  flow,  financial  condition,  capital  requirements,  the  annual 
distribution requirements under REIT provisions of the Code and such other factors as the Board deems relevant.

Distributions on our 7.25% Series D Cumulative Convertible Perpetual Preferred Shares declared in 2014 totaled $3.625 per 
share.  We do not believe that the preferential rights available to the holders of our preferred shares or the financial covenants 
contained in our debt agreements had or will have an adverse effect on our ability to pay dividends in the normal course of business 
to our common shareholders or to distribute amounts necessary to maintain our qualification as a REIT.

For information on our equity compensation plans as of December 31, 2014, refer to Item 12 of Part III of this report and Note 
16 of the notes to the consolidated financial statements.                                                                                                                    

24

Item 6. Selected Financial Data

The following table sets forth our selected consolidated financial data and should be read in conjunction with the consolidated 
financial statements and notes to the consolidated financial statements and Management’s Discussion and Analysis of Financial 
Condition and Results of Operations (“MD&A”) included elsewhere in this report.

Operating Data:
Total revenue
Property net operating income (1)
(Loss) income from continuing operations
Gain (loss) on sale of real estate assets
Net (loss) income
Net  loss (income) attributable to noncontrolling partner interest
Preferred share dividends
Net (loss) income available to common shareholders
(Loss) earnings per common share, basic

Continuing operations
Discontinued operations

Basic (loss) earnings
(Loss) earnings per common share, diluted

Continuing operations
Discontinued operations

Diluted (loss) earnings
Weighted average shares outstanding:

Basic
Diluted

Cash dividends declared per RPT preferred share
Cash dividends declared per RPT common share
Cash distributions to RPT preferred shareholders
Cash distributions to RPT common shareholders

Balance Sheet Data (at December 31):

Cash and cash equivalents

Investment in real estate (before accumulated depreciation)

Total assets

Total notes payable

Total liabilities

Total RPT shareholders' equity

Noncontrolling interest

Total shareholders' equity

Year Ended December 31,

2014

2013

2012
(In thousands, except per share)

2011

2010

$

$

$

$

$

$
$
$
$

$

218,363
153,878
(2,412)
—
(2,412)
48
(7,250)
(9,614)

(0.14)
—
(0.14)

(0.14)
—
(0.14)

72,118
72,118

3.625
0.7750
7,250
54,149

$

$

$

$

$

$
$
$
$

170,068
121,372
8,371
2,120
11,462
(465)
(7,250)
3,747

0.01
0.05
0.06

0.01
0.05
0.06

59,336
59,728

3.625
0.7115
7,250
40,108

$

$

$

$

$

$
$
$
$

$

125,225
86,213
7,171
336
7,092
112
(7,250)
(46)

— $
—
— $

— $
—
— $

44,101
44,101

3.630
0.6600
7,250
28,333

$
$
$
$

114,386
76,833
(29,418)
9,406
(28,500)
1,742
(5,244)
(32,002)

(0.85)
0.01
(0.84)

(0.85)
0.01
(0.84)

38,466
38,466

2.67
0.6530
3,432
25,203

$

$

$

$

$

$
$
$
$

104,333
70,010
(24,063)
(2,050)
(23,724)
3,576
—
(20,148)

(0.58)
0.01
(0.57)

(0.58)
0.01
(0.57)

35,046
35,046

—
0.6530
—
22,501

9,335

$

5,795

$

4,233

$

12,155

$

10,175

1,934,032

1,948,379

921,705

1,050,100

872,357

25,922

898,279

1,625,217

1,652,248

753,174

854,288

770,097

27,863

797,960

1,119,171

1,165,291

541,281

605,459

529,783

30,049

559,832

996,908

1,048,823

518,512

567,649

449,075

32,099

481,174

Other Data:
Funds from operations ("FFO") available to RPT common shareholders (2)

Net cash provided by operating activities

Net cash used in investing activities

Net cash provided by financing activities

$

70,324

$

79,861

$

47,816

$

29,509

$

110,592

(315,723)

208,671

85,583

(355,752)

271,731

62,194

(173,210)

103,094

44,703

(79,747)

37,024

Reconciliation Property Net Operating Income from Continuing Operations to Net (Loss) Income

Property net operating income from continuing operations

$

153,878

$

121,372

$

86,213

$

76,833

$

Management and other fee income

Depreciation and amortization

General and administrative expenses

Other expenses, net

Income tax (provision) benefit

Income (loss) from discontinued operations

Net (loss) income

2,059

(81,182)

(21,670)

(55,443)

(54)

—

2,335

(56,305)

(20,951)

(38,016)

(64)

3,091

4,064

(38,673)

(19,132)

(25,335)

34

(79)

4,125

(33,842)

(19,646)

(56,093)

(795)

918

$

(2,412)

$

11,462

$

7,092

$

(28,500)

$

(23,724)

(1) Property net operating income is a non-GAAP measure that is used internally to evaluate the performance of property operations and we consider it to be a significant  measure. Property 
net operating income should not be considered an alternative measure of operating results or cash flow from operations as determined in accordance  with GAAP.
(2) Under the NAREIT definition, FFO represents net income available to common shareholders, excluding extraordinary items, as defined under accounting principles generally 
accepted in the United States of America (“GAAP”), gains (losses) on sales of depreciable property, plus real estate related depreciation and amortization (excluding amortization of 
financing costs), and adjustments for unconsolidated partnerships and joint ventures.  In addition, in October 2011, NAREIT clarified its definition of FFO to exclude impairment 
provisions on depreciable property and equity investments in depreciable property.  Management has restated FFO for prior periods accordingly.  See “Funds From Operations” in 
Item 7 for a discussion of FFO and a reconciliation of FFO to net income.

25

1,074,095

1,052,829

571,694

613,463

402,273

37,093

439,366

20,945

43,249

(101,935)

60,385

70,010

4,191

(28,592)

(18,986)

(51,356)

670

339

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

The following discussion should be read in conjunction with the consolidated financial statements, the notes thereto, and the 
comparative summary of selected financial data appearing elsewhere in this report.  Discontinued operations are discussed in Note 
5 of the notes to the consolidated financial statements in Item 8.  The financial information in this MD&A is based on results from 
continuing operations.

Overview

We are a fully integrated, self-administered, publicly-traded REIT specializing in the ownership, management, development and 
redevelopment of community shopping centers.  Most of our properties are multi-anchored by supermarkets and/or national chain 
stores. Our primary business is managing and leasing space to tenants in the shopping centers we own.  We also manage centers 
for our unconsolidated joint ventures for which we charge fees.  Our credit risk, therefore, is concentrated in the retail industry.

At December 31, 2014, we owned and managed, either directly or through our interest in real estate joint ventures, a total of 80 
shopping centers and one office building, with approximately 16.9 million square feet of gross leasable area owned by us and our 
joint ventures.  We also owned interests in three parcels of land available for development and five parcels of land available for 
sale.

We are predominantly a community shopping center company with a focus on managing and adding value to our portfolio of 
centers that are primarily multi-anchored by grocery stores and/or nationally recognized discount department stores.  We believe 
that centers with a grocery and/or discount component attract consumers seeking value-priced products.  Since these products are 
required to satisfy everyday needs, customers usually visit the centers on a weekly basis.  Over half of our shopping centers are 
anchored by tenants that sell groceries.  Supermarket anchor tenants in our centers include, among others, Publix Super Market, 
Whole Foods, Kroger and Sprouts.  National chain anchor tenants in our centers include, among others, TJ Maxx/Marshalls, Bed 
Bath and Beyond, Home Depot and Kohl’s.

Our shopping centers are primarily located in a dozen of the largest metropolitan markets in the United States.  Our focus on these 
markets has enabled us to develop a thorough understanding of their unique characteristics. Throughout our primary regions, we 
have concentrated a number of centers in reasonable proximity to each other in order to achieve efficiencies in management, 
leasing and acquiring new properties.

Critical Accounting Policies

Management’s Discussion and Analysis of Financial Condition and Results of Operations are based on our consolidated financial 
statements, which have been prepared in accordance with GAAP.  The preparation of these financial statements requires us to 
make estimates and assumptions that affect the reported amounts of assets, liabilities, revenue and expenses, and related disclosure 
of contingent assets and liabilities.  Our estimates are based on historical experience and on various other assumptions that are 
believed to be reasonable under the circumstances.  Actual results could differ from these estimates under different assumptions 
or conditions.

We believe the following critical accounting policies require our most subjective judgment and use of estimates in the preparation 
of our consolidated financial statements.

26

Acquisitions

Acquisitions of properties are accounted for utilizing the acquisition method and, accordingly, the results of operations of an 
acquired property are included in our results of operations from the date of acquisition.  Estimates of fair values are based upon 
future cash flows and other valuation techniques in accordance with our fair value measurements policy, which are used to record 
the  purchase  price  of  acquired  property  among  land,  buildings  on  an  “as  if  vacant”  basis,  tenant  improvements,  identifiable 
intangibles and any gain on purchase.  Identifiable intangible assets and liabilities include the effect of above-and below-market 
leases, the value of having leases in place (“as-is” versus “as if vacant” and absorption costs), other intangible assets such as 
assumed tax increment revenue bonds and out-of-market assumed mortgages.  Depreciation and amortization is computed using 
the straight-line method over the estimated useful lives of 40 years for buildings, over the remaining terms of any intangible asset 
contracts and the respective tenant leases, which may include bargain review options.  The impact of these estimates, including 
incorrect estimates in connection with acquisition values and estimated useful lives, could result in significant differences related 
to the purchased assets, liabilities and subsequent depreciation or amortization expense.  For more information, refer to Note 1, 
Organization and Summary of Significant Accounting Policies subtopic Real Estate of the notes to the consolidated financial 
statements.  

Impairment

We review our investment in real estate, including any related intangible assets, for impairment on a property-by-property basis 
whenever events or changes in circumstances indicate that the carrying value of the property may not be recoverable.  These 
changes in circumstances include, but are not limited to, changes in occupancy, rental rates, tenant sales, net operating income, 
geographic location, real estate values and expected holding period.  The viability of all projects under construction or development, 
including  those  owned  by  unconsolidated  joint  ventures,  are  regularly  evaluated  under  applicable  accounting  requirements, 
including requirements relating to abandonment of assets or changes in use.  To the extent a project, or individual components of 
the project, are no longer considered to have value, the related capitalized costs are charged against operations.

Impairment provisions resulting from any event or change in circumstances, including changes in our intentions or our analysis 
of varying scenarios, could be material to our consolidated financial statements.

We recognize an impairment of an investment in real estate when the estimated discounted or undiscounted cash flow is less than 
the net carrying value of the property.  If it is determined that an investment in real estate is impaired, then the carrying value is 
reduced to the estimated fair value as determined by cash flow models and discount rates or comparable sales in accordance with 
our fair value measurement policy.  Refer to Note 6 of the notes to the consolidated financial statements for further information.

Revenue Recognition and Accounts Receivable

Most of our leases contain non-contingent rent escalations for which we recognize income on a straight-line basis over the non-
cancelable lease term.  This method results in rental income in the early years of a lease being higher than actual cash received, 
creating a straight-line rent receivable asset which is included in the “Other Assets” line item in our consolidated balance sheets.  We 
review our unbilled straight-line rent receivable balance to determine the future collectability of revenue that will not be billed to 
or collected from tenants due to early lease terminations, lease modifications, bankruptcies and other factors.  An allowance to 
write down the straight-line receivable balance is taken in the period that future collectability is uncertain.  

Additionally, we provide for bad debt expense based upon the allowance method of accounting. We continuously monitor the 
collectability of our accounts receivable from specific tenants, analyze historical bad debts, customer creditworthiness, current 
economic trends and changes in tenant payment terms when evaluating the adequacy of the allowance for bad debts.  Allowances 
are taken for those balances that we have reason to believe will be uncollectible.   

For more information refer to Note 1 Organization and Summary of Significant Accounting Policies, Revenue Recognition and 
Accounts Receivable subtopics of the notes to the consolidated financial statements.

27

Results of Operations

Comparison of the Year Ended December 31, 2014 to the Year Ended December 31, 2013 

The  following  summarizes  certain  line  items  from  our  audited  statements  of  operations  which  we  believe  are  important  in 
understanding our operations and/or those items that have significantly changed during the year ended December 31, 2014 as 
compared to 2013: 

Year Ended December 31,

2014
(In thousands)

2013

Dollar
Change

Percent
Change

$

Total revenue
Operating expenses
Real estate taxes
Depreciation and amortization
General and administrative expense
Provision for impairment
Gain on sale of real estate
Earnings (loss) from unconsolidated joint ventures
Interest expense and amortization of deferred financing fees
Deferred gain recognized upon acquisition of real estate
Loss on extinguishment of debt

$

218,363
30,952
31,474
81,182
21,670
27,865
10,857
75
35,188
117
860

$

170,068
23,200
23,161
56,305
20,951
9,669
4,279
(4,759)
30,522
5,282
340

48,295
7,752
8,313
24,877
719
18,196
6,578
4,834
4,666
(5,165)
520

28.4%
33.4%
35.9%
44.2%
3.4%
188.2%
153.7%
101.6%
15.3%
97.8%
152.9%

Total revenue in 2014 increased $48.3 million, or 28.4% from 2013.  The increase is primarily due to the following:

• 
• 
• 

• 

$43.7 million increase related to acquisitions completed in 2014 and 2013; 
$4.6 million increase at existing centers; and 
$1.8 million increase in lease termination income primarily due to the early departure of an office tenant at our office 
building; offset by
$1.8 million decrease related to properties sold in 2014, reduced management fee income and properties in redevelopment.

Operating expense in 2014 increased $7.8 million, or 33.4% from 2013.  The increase is primarily due to the following:
$5.7 million related to increases in recoverable operating expenses due to our 2014 and 2013 acquisitions; and 
$1.5 million related to increase in recoverable operating expenses at existing centers.

• 
• 

Real estate tax expense in 2014 increased $8.3 million, or 35.9% from 2013, primarily due to our 2014 and 2013 acquisitions.

Depreciation and amortization expense in 2014 increased $24.9 million, or 44.2%, from 2013.  The increase was primarily due 
to our acquisitions in 2014 and 2013, new development completion and other capital activities.

General and administrative expense in 2014 increased $0.7 million or 3.4% from 2013.  The increase was primarily due to:

• 

• 

$0.9 million related to an increase in costs associated with our long-term incentive plans which are based on our stock price 
performance relative to a group of our peers (see Note 16 for additional information); offset in part by 
higher capitalization of development and leasing salaries and related costs in 2014. Salaries capitalized in 2014 and 2013 
represented approximately 19% and 18%, respectively, of total salaries.

Impairment provisions of $27.9 million recorded in 2014 related to the decision to market certain income-producing properties 
for sale and adjustments to the sales price assumptions for certain undeveloped land parcels available for sale at several of our 
development properties.  In 2013 our impairment provisions totaled $9.7 million.  Refer to Note 6 of the notes to the consolidated 
financial statements for a detailed discussion of these charges.

Gain on sale of real estate was $10.9 million in 2014 primarily due to the sale of five income-producing properties and four 
individual outparcel sales.  In the comparable period in 2013 we had a gain of $4.3 million.  Refer to Note 4 of the notes to the 
consolidated financial statements for further detail on the sales.

28

Earnings from unconsolidated joint ventures in 2014 increased $4.8 million from 2013.  In 2013 we acquired our partner's 70% 
interest in 12 shopping centers held in the Ramco/Lion Venture LP.  The sale resulted in a loss of $21.5 million to the joint venture 
of which our share was $6.4 million.

Interest expense and amortization of deferred financing fees increased in 2014 by $4.7 million, or 15.3% from 2013, primarily 
due to the following:

• 

• 
• 

$6.1 million increase in loan interest due to the issuance of $200.0 million in senior unsecured notes in the second half of 
2014; offset in part by
$0.6 million increase in the amortization of mortgage premiums; and 
$0.7 million increase in capitalized interest due to our development/redevelopment projects.

In 2014 we recorded a deferred gain of $0.1 million which related to a property sold in 2007 to a joint venture in which we had a 
20% non-controlling interest.  Due to our continuing involvement we deferred the portion of the gain related to our 20% interest.  
The property was conveyed to the lender in 2014 and we recognized the previously deferred gain.  In 2013, we recorded a deferred 
gain of $5.3 million.

Loss on extinguishment of debt of approximately $0.9 million in 2014 related to the write-off of unamortized deferred financing 
costs associated with the early payoff of $120.0 million in unsecured term loan debt.  In 2013 we recorded a loss of $0.3 million 
related to a prepayment penalty incurred to repay two mortgages.

Comparison of the Year Ended December 31, 2013 to the Year Ended December 31, 2012 

The  following  summarizes  certain  line  items  from  our  audited  statements  of  operations  which  we  believe  are  important  in 
understanding our operations and/or those items which have significantly changed during the year ended December 31, 2013 as 
compared to 2012:

Total revenue

Operating expense

Real Estate Tax

Depreciation and amortization

General and administrative expense

Provision for impairment

Gain on sale of real estate

(Loss) earnings from unconsolidated joint ventures

Interest expense and amortization of deferred financing fees
Deferred gain recognized upon acquisition of real estate

Loss on extinguishment of debt

NM - Not meaningful

Year Ended December 31,

2013

2012

(In thousands)

Dollar
Change

Percent
Change

$

170,068

$

125,225

$

44,843

23,200

23,161

56,305

20,951

9,669

4,279
(4,759)
30,522
5,282

340

18,249

16,699

38,673

19,132

1,773

69

3,248

27,344
845

—

4,951

6,462

17,632

1,819

7,896

4,210
(8,007)
3,178
4,437

340

35.8%

27.1%

38.7%

45.6%

9.5%

445.3%

6,101.4%

246.5%

11.6%
525.1%

NM

Total revenue in 2013 increased $44.8 million, or 35.8% from 2012.  The increase is primarily due to the following:

• 
• 
• 
• 

$43.6 million increase related to our acquisitions completed in 2013 and 2012;
$3.1 million increase income related to increases at existing centers; 
$1.0 million increase related to the completion of Phase I of the Parkway shops development; offset in part by
a decrease in revenue at properties under redevelopment and lower fee income due to our acquisition of a portfolio of 
properties from a joint venture in which we hold a 30% interest.

In 2013 operating expenses increased by $5.0 million, or 27.1%, real estate tax expense increased $6.5 million, or 38.7%, and 
depreciation and amortization expense increased by $17.6 million, or 45.6% from 2012 primarily due to our acquisitions completed 
in 2013 and 2012.

29

 
 
 
 
 
 
 
 
 
 
 
General and administrative expense in 2013 increased $1.8 million or 9.5% from 2012.  The increase was primarily due to:

• 

$1.8 million related to an increase in costs associated with our long-term incentive plans which are based on our stock price 
performance relative to a group of our peers (see Note 16 for additional information) offset in part by higher capitalization 
of development and leasing salaries and related costs in 2013. Salaries capitalized in 2013 and 2012 represented approximately 
18% of total salaries.

Impairment provisions of $9.7 million were recorded in 2013 related to adjustments to the sales price assumptions for certain 
undeveloped land parcels available for sale at several of our development properties and other-than-temporary declines in the fair 
market  value  of  various  equity  investments  in  unconsolidated  joint  ventures. In  2012  our  impairment  provisions  totaled  $1.8 
million. Refer to Note 6 of the notes to the consolidated financial statements for a detailed discussion of these charges.

Gain on sale of real estate was $4.3 million in 2013 primarily due to a $3.0 million gain on sale of land at our Roseville Towne 
Center to Wal-Mart, an anchor tenant, and a net gain on the sale of multiple outparcels at several other properties.  Refer to Note 
4 of the notes to the consolidated financial statements for detail of the indvidual sales.

(Loss) earnings from unconsolidated joint ventures decreased in 2013 by $8.0 million from 2012.  The decrease was related to the 
acquisition of our partner's 70% interest in 12 shopping centers held in the Ramco/Lion Venture LP.  The sale resulted in a loss of 
$21.5 million to the joint venture of which our share was $6.4 million.

Interest expense in 2013 increased $3.2 million, or 11.6% from 2012, primarily due to the following:

• 
• 
• 

• 
• 

$1.1 million increase in mortgage interest related to the assumption of loans as part our 2013 acquisitions;
$3.4 million increase in loan interest due to the issuance of senior unsecured notes in July 2013; offset in part by
$1.1 million decrease in interest related to our junior subordinated notes.  In January, 2013 the notes converted from a fixed 
interest rate of 7.9% to a variable interest rate of LIBOR plus 3.3% (3.5% at December 31, 2013);
lower average balances on our revolving credit facility; and
$0.2 million increase in capitalized interest due to our development/redevelopment projects.

In 2013, we recorded a deferred gain of $5.3 million which related to a property sold in 2007 to the Ramco/Lion Venture, LP, a 
joint venture in which we have a 30% non-controlling interest.  Due to our continuing involvement we deferred the portion of the 
gain related to our 30% interest.  In 2013 we acquired our partners' 70% interest in the property and recognized the previously 
deferred gain.  In 2012 we recognized a previously deferred gain of $0.8 million.

Loss on extinguishment of debt of approximately $0.3 million in 2013 related to a prepayment penalty incurred to repay two 
mortgages.  There was no similar charge in 2012.

Liquidity and Capital Resources

The majority of our cash is generated from operations and is dependent on the rents that we are able to charge and collect from 
our tenants. The principal uses of our liquidity and capital resources are for operations, developments, redevelopments, including 
expansion and renovation programs, acquisitions, and debt repayment.  In addition, we make quarterly dividend payments in 
accordance with REIT requirements for distributing the substantial majority of our taxable income on an annual basis.  We anticipate 
that the combination of cash on hand, cash from operations, availability under our credit facilities, additional financings, equity 
offerings, and the sale of existing properties will satisfy our expected working capital requirements through at least the next 12 
months.  Although we believe that the combination of factors discussed above will provide sufficient liquidity, no such assurance 
can be given.

At December 31, 2014 and 2013, we had $17.5 million and $9.2 million, respectively, in cash and cash equivalents and restricted 
cash.  Restricted cash was comprised primarily of funds held in escrow by lenders to pay real estate taxes, insurance premiums, 
and certain capital expenditures.

Short-Term Liquidity Requirements

Our short-term liquidity needs are met primarily from rental income and recoveries and consist primarily of funds necessary to 
pay operating expenses associated with our operating properties, interest and scheduled principal payments on our debt, quarterly 
dividend  payments  (including  distributions  to  OP  unit  holders)  and  capital  expenditures  related  to  tenant  improvements  and 
redevelopment activities.

We have five mortgages maturing from June through December  2015 totaling $86.1 million, which includes scheduled amortization 
payments.

We continually search for investment opportunities that may require additional capital and/or liquidity.  As of December 31, 2014, 
we had no proposed property acquisitions under contract.   

30

Long-Term Liquidity Requirements

Our  long-term  liquidity  needs  consist  primarily  of  funds  necessary  to  pay  indebtedness  at  maturity,  potential  acquisitions  of 
properties, redevelopment of existing properties, the development of land and non-recurring capital expenditures.

The following is a summary of our cash flow activities:

Cash provided by operating activities
Cash used in investing activities
Cash provided by financing activities

Operating Activities

$

2012

2014

Year Ended December 31,
2013
(In thousands)
85,583
$
(355,752)
271,731

110,592
(315,723)
208,671

$

62,194
(173,210)
103,094

We anticipate that cash on hand, operating cash flows, borrowings under our revolving credit facility, issuance of equity, as well 
as other debt and equity alternatives, will provide the necessary capital that we require to operate. Net cash flow provided by 
operating activities increased $25.0 million in 2014 compared to 2013 primarily due to:

•  Net operating income increased $27.7 million as a result of our acquisitions (net of dispositions) and leasing activity at 

our shopping centers; offset by 

•  Net accounts receivable increase of $0.7 million; and
•  An increase in net interest expense of approximately $4.7 million primarily due to the issuance of senior notes.

Investing Activities

Net cash used for investing activities decreased $40.0 million compared to 2013 primarily due to: 

•  Acquisitions of real estate decreased $77.8 million;
• 

Investment in unconsolidated joint ventures decreased $5.0 million.  In the previous year we had made contributions to 
fund debt repayment.  In addition in 2013 we received a distribution of $1.7 million for the sale of joint venture property; 
offset by 

•  Restricted cash decreased $5.1 million; and 
•  Additions to real estate increased $36.1 million, as a result of an increase in development funding by $25.1 million, capital 

expenditures of $9.3 million, and $1.7 million in deferred leasing costs.

Financing Activities

Cash flows provided by financing activities were $208.7 million as compared to $271.7 million in 2013.  This difference of $63.1 
million is primarily explained by:

• 
• 
• 

• 

an increase in our net borrowing of $53.9 million for debt and deferred financing costs; offset by 
a decrease in net proceeds of $103.9 million from common share issuances; 
an increase in cash dividends to common shareholders of $14.0 million due to additional shares issued as well as an 
increase in our per share quarterly dividend payment; and 
a decrease in cash paid out for OP unit conversions of $1.2 million.

As of December 31, 2014, $335.9 million was available to be drawn on our $350 million unsecured revolving credit facility subject 
to certain covenants.  It is anticipated that additional funds borrowed under our credit facilities will be used for general corporate 
purposes, including working capital, capital expenditures, the repayment of indebtedness or other corporate activities.  For further 
information on the credit facilities and other debt, refer to Note 9 of the consolidated financial statements.

31

 
 
 
Dividends and Equity

We currently qualify, and intend to continue to qualify in the future, as a REIT under the Internal Revenue Code of 1986, as 
amended (the "Code”).  Under the Code, as a REIT we must distribute to our shareholders at least 90% of our REIT taxable income 
annually, excluding net capital gain. Distributions paid are at the discretion of our Board and depend on our actual net income 
available to common shareholders, cash flow, financial condition, capital requirements, restrictions in financing arrangements, 
the annual distribution requirements under REIT provisions of the Code and such other factors as our Board deems relevant.

We paid cash dividends of $0.7625 per common share to shareholders in 2014.  In the third quarter we increased our quarterly 
dividend 6.7% to $0.20 per share, or an annualized amount of $0.80 per share.  Cash dividends for 2013 and 2012 were $0.6923 
and $0.653 per common share, respectively.  Our dividend policy is to make distributions to shareholders of at least 90% of our 
REIT taxable income, excluding net capital gain, in order to maintain qualification as a REIT. On an annualized basis, our current 
dividend is above our estimated minimum required distribution.  Distributions paid by us are funded from cash flows from operating 
activities.  To  the  extent  that  cash  flows  from  operating  activities  were  insufficient  to  pay  total  distributions  for  any  period, 
alternative funding sources would be used.  Examples of alternative funding sources may include proceeds from sales of real estate 
and bank borrowings.  Although we may use alternative sources of cash to fund distributions in a given period, we expect that 
distribution requirements for an entire year will be met with cash flows from operating activities.

Cash provided by operating activities

Cash distributions to preferred shareholders
Cash distributions to common shareholders
Cash distributions to operating partnership unit holders
Total distributions

Surplus

$

$

$

2014

Year Ended December 31,
2013
(In thousands)
85,583
$

$

110,592

2012

62,194

(7,250)
(54,149)
(1,716)
(63,115) $

(7,250)
(40,108)
(1,580)
(48,938) $

(7,250)
(28,333)
(1,814)
(37,397)

47,477

$

36,645

$

24,797

In August 2014, we issued 6.9 million common shares of beneficial interest.  Our total net proceeds, after deducting expenses, 
were approximately $108.7 million and were used to fund a portion of the consideration for our acquisitions in the third quarter 
2014. 

In addition, during 2014, we issued 3.8 million common shares through our controlled equity offerings generating $61.7 million 
in net proceeds, after sales commissions and fees of $0.9 million.  We used the net proceeds for general corporate purposes including 
the repayment of debt.  We have registered up to 8.0 million common shares for issuance from time to time, at our sole discretion, 
through our controlled equity offering sales agreement, of which 4.0 million shares remained unsold as of December 31, 2014.  
The shares issued in the controlled equity offering are registered with the Securities and Exchange Commission (“SEC”) on our 
registration statement on Form S-3.

Off Balance Sheet Arrangements

Real Estate Joint Ventures

As of December 31, 2014, we had four equity investments in unconsolidated joint venture entities in which we owned 30% or 
less of the total ownership interest.  We account for these entities under the equity method. 

We have a 20% ownership interest in Ramco 450 which owns a portfolio of eight properties totaling 1.7 million square feet of 
GLA.  As of December 31, 2014, the properties had consolidated equity of $137.3 million.  Our total investment in the venture at 
December 31, 2014 was $17.2 million. The Ramco 450 venture has total debt obligations of approximately $140.3 million with 
maturity dates ranging from December 2015 through September 2023.  Our proportionate share of the total debt is $28.1 million.  
Such debt is non-recourse to the venture, subject to carve-outs customary to such types of mortgage financing.

We have a 30% ownership interest in Ramco/Lion which owns a portfolio of three properties totaling 0.8 million square feet of 
GLA.  As of December 31, 2014, the properties in the portfolio had consolidated equity of $57.6 million.  Our total investment 
in the venture at December 31, 2014 was $8.8 million.  Ramco/Lion has one property with a mortgage payable obligation of 

32

approximately $30.0 million with maturity date of October 2015.  Our proportionate share of the total debt is $9.0 million. Such 
debt is non-recourse to the venture, subject to carve-outs customary to such types of mortgage financing.

We also have ownership interests of 7% in two smaller joint ventures that each own one property.  As of December 31, 2014, these 
properties have combined equity of $45.1 million.  Our total investment in these ventures was $2.8 million.  

Refer to Note 7 of the notes to the consolidated financial statements for more information regarding our equity investments in 
joint ventures.

Contractual Obligations

The following are our contractual cash obligations as of December 31, 2014:

Contractual Obligations

Mortgages and notes payable:
Scheduled amortization
Payments due at maturity
  Total mortgages and notes payable (1)
Interest expense (2)
Employment contracts

Capital lease
Operating leases
Construction commitments
Total contractual obligations

Payments due by period
Less than 1
year

Total

1-3 years
(In thousands)

3-5 years

More than
5 years

$

25,408
887,431
912,839

287,935

763

2,513
3,719
10,149
$ 1,217,918

$

$

4,337
81,780
86,117

38,768

763

813
648
10,149
137,258

$

$

9,553
212,537
222,090

93,697

—

300
1,998
—
318,085

$

$

5,381
129,040
134,421

48,768

—

200
505
—
183,894

$

$

6,137
464,074
470,211

106,702

—

1,200
568
—
578,681

(1)  Excludes $8.9 million of unamortized mortgage debt premium.
(2)  Variable rate debt interest is calculated using rates at December 31, 2014.

We anticipate that the combination of cash on hand, cash provided from operating activities, the availability under our credit 
facility ($335.9 million at December 31, 2014 subject to covenants), our access to the capital markets and the sale of existing 
properties will satisfy our expected working capital requirements through at least the next 12 months.

At December 31, 2014, we did not have any contractual obligations that required or allowed settlement, in whole or in part, with 
consideration other than cash.

Mortgages and notes payable

See the analysis of our debt included in “Liquidity and Capital Resources” above.

Employment Contracts

At December 31, 2014, we had employment contracts with our Chief Executive  and Chief Financial Officers that contain minimum 
guaranteed compensation.  All other employees are subject to at-will employment.

Operating and Capital Leases

We lease office space for our corporate headquarters under an operating lease.  We have an operating lease for land at one of our 
shopping centers.

At December 31, 2014 we had a capital lease at our Gaines Marketplace shopping center that provides the option to purchase the 
land parcel for approximately $0.7 million.  Refer to Note 19 - Subsequent Events of the notes to the consolidated financial 

33

 
 
 
 
 
 
statements for more information.  In addition we have a capital lease at our Buttermilk Towne Center with the City of Crescent 
Springs, Kentucky.  The lease provides for fixed annual payments of $0.1 million through maturity in December 2032, at which 
time we can acquire the center for one dollar.

Construction Costs

In connection with the development and expansion of various shopping centers as of December 31, 2014, we have entered into 
agreements for construction activities with an aggregate cost of approximately $10.1 million.

Planned Capital Spending

We are focused on our core strength of enhancing the value of our existing portfolio of shopping centers through successful leasing 
efforts and the completion of our redevelopment projects currently in process.  

For 2015, we anticipate spending approximately $57.5 million for capital expenditures, of which $10.1 million is reflected in the  
construction commitments in the above contractual obligations table.  Of the total anticipated spending, approximately $3.3 million 
is for development costs and approximately $54.2 million is for redevelopment projects, tenant improvements, and leasing costs.  
Estimates for future spending will change as new projects are approved.

Capitalization

At December 31, 2014 our total market capitalization was $2.5 billion and is detailed below:

Net debt (including property-specific mortgages, unsecured revolving credit facility, term loans and capital
lease obligation net of $9.3 million in cash)

Common shares, OP units, and dilutive securities based on market price of $18.74 at December 31, 2014

Convertible perpetual preferred shares based on market price of $66.93 at December 31, 2014

Total market capitalization

Net debt to total market capitalization

(in thousands)

$

905,332

1,499,893

133,860

$ 2,539,085

35.7%

At December 31, 2014, noncontrolling interests represented a 2.8% ownership in the Operating Partnership.  The OP Units may, 
under certain circumstances, be exchanged for our common shares of beneficial interest on a one-for-one basis.  We, as sole general 
partner of the Operating Partnership, have the option, but not the obligation, to settle exchanged OP Units held by others in cash.  
Assuming the exchange of all OP Units, there would have been 79,820,122 of our common shares of beneficial interest outstanding 
at December 31, 2014, with a market value of approximately $1.5 billion.

34

 
Non-GAAP Financial Measures

Certain of our key performance indicators are considered non-GAAP financial measures.  Management uses these measures along 
with our GAAP financial statements in order to evaluate our operations results.  We believe these additional measures provide 
users of our financial information additional comparable indicators of our industry, as well as, our performance.

Funds From Operations

We consider funds from operations, also known as “FFO”, to be an appropriate supplemental measure of the financial performance 
of an equity REIT.  Under the NAREIT definition, FFO represents net income (computed in accordance with generally accepted 
accounting principles), excluding gains (or losses) from sales of depreciable property and excluding impairment provisions on 
depreciable real estate or on investments in non-consolidated investees that are driven by measurable decreases in the fair value 
of depreciable real estate held by the investee, plus depreciation and amortization, (excluding amortization of financing costs).  
Adjustments for unconsolidated partnerships and joint ventures are calculated to reflect funds from operations on the same basis.

Also, we consider “Operating FFO” a meaningful, additional measure of financial performance because it excludes acquisition 
costs and periodic items such as impairment provisions on land available for development or sale, bargain purchase gains, and 
gains  or  losses  on  extinguishment  of  debt  that  are  not  adjusted  under  the  current  NAREIT  definition  of  FFO.  We  provide  a 
reconciliation of FFO to Operating FFO. FFO and Operating FFO should not be considered alternatives to GAAP net income 
available to common shareholders or as alternatives to cash flow as measures of liquidity.

While we consider FFO and Operating FFO useful measures for reviewing our comparative operating and financial performance 
between periods or to compare our performance to different REITs, our computations of FFO and Operating FFO may differ from 
the computations utilized by other real estate companies, and therefore, may not be comparable.

35

We  recognize  the  limitations  of  FFO  and  Operating  FFO  when  compared  to  GAAP  net  income  available  to  common 
shareholders.  FFO and Operating FFO do not represent amounts available for needed capital replacement or expansion, debt 
service obligations, or other commitments and uncertainties.  In addition, FFO and Operating FFO do not represent cash generated 
from operating activities in accordance with GAAP and are not necessarily indicative of cash available to fund cash needs, including 
the payment of dividends.  FFO and Operating FFO are simply used as additional indicators of our operating performance.  The 
following table illustrates the calculations of FFO and Operating FFO:

Years Ended December 31,
2012
2013
2014
(In thousands, except per share data)

$

(9,614) $

3,747

$

(46)

Net (loss) income available to common shareholders
Adjustments:

Rental property depreciation and amortization expense
Pro-rata share of real estate depreciation from unconsolidated joint ventures
Gain on sale of depreciable real estate

  Loss on sale of joint venture depreciable real estate (1)
  Provision for impairment on income-producing properties
  Provision for impairment on joint venture income-producing properties (1)

Provision for impairment on equity investments in unconsolidated joint ventures
Deferred gain recognized on real estate
Noncontrolling interest in Operating Partnership (2)

Subtotal

Add preferred share dividends (if converted) (3)

FFO

Provision for impairment for land available for development or sale
Loss on extinguishment of debt
Gain on extinguishment of joint venture debt, net of RPT expenses (1)
Acquisition costs (4) 
Add preferred share dividends (if converted) (5)

Operating FFO

Weighted average common shares
Shares issuable upon conversion of Operating Partnership Units (2)
Dilutive effect of securities
Subtotal
Shares issuable upon conversion of preferred shares (3) (5)
Weighted average equivalent shares outstanding, diluted

80,826
4,719
(10,022)
—
4,580
—
—
(117)
(48)
70,324
—
70,324

23,285
860
(106)

1,890

$

$

7,250
103,503

$

$

72,118
2,250
217
74,585
7,019
81,604

56,316
3,689
(2,120)
6,454
9,342
—
—
(5,282)
465
72,611
7,250
79,861

327
340
—

1,322

—
81,850

59,336
2,257
392
61,985
6,940
68,925

$

$

Funds from operations per diluted share 
Operating FFO, per diluted share

$
$

0.94
1.27

$
$

1.16
1.19

$
$

39,240
6,584
(336)
75
2,355
50
386
(845)
353
47,816
—
47,816

1,387
—
(178)

314

—
49,339

44,101
2,509
384
46,994
—
46,994

1.02
1.05

(1)  Amount included in earnings (loss) from unconsolidated joint ventures.
(2) 

(3) 

(4) 

(5) 

The total noncontrolling interest reflects OP units convertible 1:1 into common shares.
Series D convertible preferred shares were dilutive for FFO for the year ended December 31, 2013 and anti-dilutive for the comparable periods in 2014 
and 2012.
Prior periods have been restated to reflect the add back of acquisition costs beginning in 1Q14.
Series D convertible preferred shares were dilutive for Operating FFO for years ended December 31, 2014 and 2013 and anti-dilutive for the comparable 
period in 2012.

36

Same Property Operating Income

Same Property Operating Income ("Same Property NOI") is a supplemental non-GAAP financial measure of real estate companies' 
operating performance. Same Property NOI is considered by management to be a relevant performance measure of our operations 
because  it  includes  only  the  NOI  of  comparable  properties  for  the  reporting  period.    Same  Property  NOI  is  calculated  using 
consolidated operating income and adjusted to exclude management and other fee income, depreciation and amortization, general 
and administrative expense, provision for impairment and non-comparable income/expense adjustments such as straight-line rents, 
lease termination fees, above/below market rents, and other non-comparable operating income and expense adjustments.   

Same Property NOI should not be considered an alternative to net income in accordance with GAAP or as a measure of liquidity.  Our 
method of calculating Same Property NOI may differ from methods used by other REITs and, accordingly, may not be comparable 
to such other REITs.

The following is a summary of our wholly owned properties by classification:

Three Months Ended
December 31, 2014

Twelve Months Ended
December 31, 2014

Property Designation
Same property
Acquisitions (1)
Completed developments (1)
Non-retail properties (2)
Redevelopment (3)
Total wholly owned properties

56
6
1
1
4
68

56
6
1
1
4
68

(1) Properties were not owned in both comparable periods.
(2) Office building.
(3) Properties under construction primarily related to re-tenanting resulting in reduced rental income.  

Acquisition and redevelopment properties removed from the pool will not be added until owned and operated or construction is 
complete for the entirety of both periods being compared. 

The following is a reconciliation of our Operating Income to Same Property NOI:

Three Months Ended
December 31,

2014

2013

Twelve Months Ended
December 31,

2014

2013

(in thousands)

Operating (loss) income

$

(10,587)

$

2,810

$

23,330

$

35,460

Adjustments:

Management and other fee income
Depreciation and amortization
Acquisition costs
General and administrative expenses
Provision for impairment
Properties excluded from pool
Non-comparable income/expense adjustments (1)

Same Property NOI

$

Period-end Leased Occupancy percent
(1) 

Includes $2.1 million in lease termination income received from an office tenant.

(531)
20,605
168
5,575
27,865
(8,876)
(3,300)
30,919

$

(493)
15,883
538
5,238
9,669
(2,877)
(699)
30,069

$

(2,059)
81,182
1,890
21,670
27,865
(29,351)
(5,636)
118,891

$

(2,335)
56,305
1,322
20,951
9,669
(5,149)
(1,084)
115,139

95.5%

95.6%

95.5%

95.6%

37

Inflation

Inflation  has  been  relatively  low  in  recent  years  and  has  not  had  a  significant  detrimental  impact  on  the  results  of  our 
operations.  Should inflation rates increase in the future, substantially all of our tenant leases contain provisions designed to partially 
mitigate the negative impact of inflation in the near term.  Such lease provisions include clauses that require our tenants to reimburse 
us for real estate taxes and many of the operating expenses we incur.  Also, many of our leases provide for periodic increases in 
base rent which are either of a fixed amount or based on changes in the consumer price index and/or percentage rents (where the 
tenant pays us rent based on a percentage of its sales).  Significant inflation rate increases over a prolonged period of time may 
have a material adverse impact on our business.

Recent Accounting Pronouncements

Refer to Note 2 of the notes to the consolidated financial statements for a discussion of Recent Accounting Pronouncements.

Item 7A. Quantitative and Qualitative Disclosures About Market Risk

We have exposure to interest rate risk on our variable rate debt obligations.  Based on market conditions, we may manage our 
exposure to interest rate risk by entering into interest rate swap agreements to hedge our variable rate debt.  We are not subject to 
any foreign currency exchange rate risk or commodity price risk, or other material rate or price risks.  Based on our debt and 
interest rates and interest rate swap agreements in effect at December 31, 2014, a 100 basis point change in interest rates would 
impact our future earnings and cash flows by approximately $0.4 million annually.  We believe that a 100 basis point increase in 
interest rates would decrease the fair value of our total outstanding debt by approximately $7.3 million at December 31, 2014.

We had interest rate swap agreements with an aggregate notional amount of $210.0 million as of December 31, 2014. The agreements 
provided for fixed rates ranging from 1.2% to 2.2% and had expirations ranging from April 2016 to May 2020.  

The following table sets forth information as of December 31, 2014 concerning our long-term debt obligations, including principal 
cash  flows  by  scheduled  maturity,  weighted  average  interest  rates  of  maturing  amounts  and  fair  market.    Debt  premium  of 
approximately $8.9 million is excluded:

2015

2016

2017

2018
(In thousands)

2019

Thereafter

Total

Fair Value

$ 86,117

$ 23,619

$113,196

$ 85,275

$ 6,278

$ 560,229

$ 874,714

$ 900,911

$

5.3%
— $
—%

5.9%
— $
—%

4.1%

5.4%
— $ 10,000
—%

1.5%

$

4.3%

6.7%
— $ 28,125
—%

3.5%

4.6%

4.2%

$ 38,125

$ 38,125

3.0%

3.0%

Fixed-rate debt
Average interest rate
Variable-rate debt
Average interest rate

We estimated the fair value of our fixed rate mortgages using a discounted cash flow analysis, based on borrowing rates for similar 
types of borrowing arrangements with the same remaining maturity.  Considerable judgment is required to develop estimated fair 
values of financial instruments.  The table incorporates only those exposures that exist at December 31, 2014 and does not consider 
those exposures or positions which could arise after that date or firm commitments as of such date.  Therefore, the information 
presented therein has limited predictive value.  Our actual interest rate fluctuations will depend on the exposures that arise during 
the period and on market interest rates at that time.

Item 8. Financial Statements and Supplementary Data

Our consolidated financial statements and supplementary data are included as a separate section in this Annual Report on Form 
10-K commencing on page F-1 and are incorporated herein by reference.

38

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

None.

Item 9A. Controls and Procedures

Disclosure Controls and Procedures

We maintain disclosure controls and procedures designed to ensure that information required to be disclosed in our reports under 
the Securities Exchange Act of 1934, as amended (“Exchange Act”), such as this report on Form 10-K, is recorded, processed, 
summarized and reported within the time periods specified in the SEC rules and forms, and that such information is accumulated 
and communicated to our management, including our Chief Executive Officer and Chief Financial Officer, as appropriate, to allow 
timely decisions regarding required disclosure. In designing and evaluating the disclosure controls and procedures, management 
recognizes that any controls and procedures, no matter how well designed and operated, can provide only reasonable assurance 
of achieving the design control objectives, and management was required to apply its judgment in evaluating the cost-benefit 
relationship of possible controls and procedures.

We carried out an assessment as of December 31, 2014 of the effectiveness of the design and operation of our disclosure controls 
and procedures. This assessment was done under the supervision and with the participation of management, including our Chief 
Executive Officer and Chief Financial Officer. Based on such evaluation, our management, including our Chief Executive Officer 
and Chief Financial Officer, concluded that such disclosure controls and procedures were effective at the reasonable assurance 
level as of December 31, 2014.

Statement of Our Management
Our management has issued a report on its assessment of the Trust’s internal control over financial reporting, which appears on 
page F-2 of this Annual Report on Form 10-K.

Statement of Our Independent Registered Public Accounting Firm
Grant Thornton LLP, our independent registered public accounting firm that audited the financial statements included in this 
Annual Report on Form 10-K, has issued an attestation report on the Trust’s internal control over financial reporting, which 
appears on page F-3 of this Annual Report on Form 10-K.

Changes in Internal Control over Financial Reporting

There have been no changes in our internal control over financial reporting during the most recently completed fiscal quarter that 
have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

Item 9B. Other Information

None.

39

Item 10. Directors, Executive Officers and Corporate Governance

PART III

Incorporated by reference from our definitive proxy statement to be filed within 120 days after the end of our fiscal year covered 
by this Form 10-K.

Item 11. Executive Compensation

Incorporated by reference from our definitive proxy statement to be filed within 120 days after the end of our fiscal year covered 
by this Form 10-K.

Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

The following table sets forth information regarding our equity compensations plans as of December 31, 2014:

(A)

(B)

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

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

(C)
Number of securities
remaining available for
future issuances under
equity compensation plans
(excluding securities
reflected in column (A))

169,181

—

169,181

$30.94

—

$30.94

1,716,017

—

1,716,017

Plan Category

Equity compensation plans
approved by security holders

Equity compensation plans not
approved by security holders

Total

The total in Column (A) above consisted of options to purchase 155,248 common shares and 13,933 deferred common shares (see 
Note 16 of the notes to the consolidated financial statements for further information).

Additional information required by this Item is incorporated by reference from our definitive proxy statement to be filed within 
120 days after the end of our fiscal year covered by this Form 10-K.

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

Incorporated by reference from our definitive proxy statement to be filed within 120 days after the end of our fiscal year covered 
by this Form 10-K.

Item 14. Principal Accountant Fees and Services

Incorporated by reference from our definitive proxy statement to be filed within 120 days after the end of our fiscal year covered 
by this Form 10-K.

40

Item 15. Exhibits and Financial Statement Schedules

PART IV

(a)(1) 

Consolidated financial statements. See “Item 8 – Financial Statements and Supplementary Data.”

(2) 

(3) 

3.1 

3.2 

3.3 

3.4 

3.5 

3.6 

4.1 

4.2 

4.3 

4.4 

4.5 

10.1 

10.2 

10.3 

Financial statement schedule.  See “Item 8 – Financial Statements and Supplementary Data.”

Exhibits

Articles of Restatement of Declaration of Trust of the Company, effective June 8, 2010, incorporated 
by reference Appendix A to the Company's 2010 Proxy dated April 30, 2010.

Amended and Restated Bylaws of the Company, effective February 23, 2012, incorporated by 
reference to Exhibit 3.1 to the Company's Form 8-K dated February 29, 2012

Articles of Amendment, as filed with the State Department of Assessments and Taxation of 
Maryland on April 5, 2011, incorporated by reference to Exhibit 3.1 to the Company’s Form 8-K 
dated April 6, 2011.

Articles Supplementary, as filed with the State Department of Assessments and Taxation of 
Maryland on April 5, 2011, incorporated by reference to Exhibit 3.2 to the Company’s Form 8-K 
dated April 6, 2011.

Articles Supplementary, as filed with the State Department of Assessments and Taxation of 
Maryland on April 28, 2011, incorporated by reference to Exhibit 3.1 to the Company’s Form 8-K 
dated April 28, 2011.

Articles of Amendment, as filed with the State Department of Assessments and Taxation of 
Maryland on July 31, 2013, incorporated by reference to Exhibit 3.1 to the Company’s Form 8-K 
dated July 31, 2013.

Amended and Restated Fixed Rate Note ($110 million), dated March 30, 2007, by and Between 
Ramco Jacksonville LLC and JPMorgan Chase Bank, N.A., incorporated by reference to Exhibit 4.1 
to  Registrant’s Form 8-K dated April 16, 2007.

Amended and Restated Mortgage, Assignment of Leases and Rents, Security Agreement and Fixture 
Filing, dated March 30, 2007, by and between Ramco Jacksonville LLC and JPMorgan Chase Bank, 
N.A., incorporated by reference to Exhibit 4.2 to Registrant’s Form 8-K dated April 16, 2007.

Assignment of Leases and Rents, dated March 30, 2007, by and between Ramco Jacksonville LLC 
and JPMorgan Chase Bank, N.A., incorporated by reference to Exhibit 4.3 to Registrant’s Form 8-K 
dated April 16, 2007.

Environmental Liabilities Agreement, dated March 30, 2007, by and between Ramco Jacksonville 
LLC and JPMorgan Chase Bank, N.A., incorporated by reference to Exhibit 4.4 to Registrant’s Form 
8-K dated April 16, 2007.

Acknowledgment of Property Manager, dated March 30, 2007 by and between Ramco-Gershenson, 
Inc. and JPMorgan Chase Bank, N.A., incorporated by reference to Exhibit 4.6 to Registrant’s Form 
8-K dated April 16, 2007.

Registration Rights Agreement, dated as of May 10, 1996, among the Company, Dennis Gershenson, 
Joel Gershenson, Bruce Gershenson, Richard Gershenson, Michael A. Ward U/T/A dated 2/22/77, as 
amended, and each of the Persons set forth on Exhibit A attached thereto, incorporated by reference 
to Exhibit 10.2 to the Company’s Quarterly Report on Form 10-Q for the period ended June 30, 
1996.

Exchange Rights Agreement, dated as of May 10, 1996, by and among the Company and each of the 
Persons whose names are set forth on Exhibit A attached thereto, incorporated by reference to 
Exhibit 10.3 to the Company’s Quarterly Report on Form 10-Q for the period ended June 30, 1996.

Exchange Rights Agreement dated as of September 4, 1998 between Ramco-Gershenson Properties 
Trust, and A.T.C., L.L.C., incorporated by reference to Exhibit 10.4 to the Company’s Quarterly 
Report on Form 10-Q for the period ended September 30, 1998.

41

10.4 

10.5 

10.6 

10.7 

10.8 

10.9* 

10.10 

10.11 

10.12 

10.13 

10.14 

10.15 

10.16 

10.17 

10.18 

Amended and Restated Limited Partnership Agreement of Ramco/Lion Venture LP, dated as of 
December 29, 2004, by Ramco-Gershenson Properties, L.P., as a limited partner, Ramco Lion LLC, 
as a general partner, CLPF-Ramco, L.P. as a limited partner, and CLPF-Ramco GP, LLC as a general 
partner, incorporated by reference Exhibit 10.62 to the Registrant’s Annual Report on Form 10-K for 
the year ended December 31, 2004.

Second Amended and Restated Limited Liability Company Agreement of Ramco Jacksonville LLC, 
dated March 1, 2005, by Ramco-Gershenson Properties , L.P. and SGC Equities LLC., incorporated 
by reference Exhibit 10.65 to the Registrant’s Quarterly Report on Form 10-Q for the period ended 
March 31, 2005.

Employment Agreement, dated as of August 1, 2007,  between the Company and Dennis 
Gershenson, incorporated by reference to Exhibit 10.1 to the Company’s Quarterly Report on Form 
10-Q for the period ended June 30, 2007.**

Restricted Share Award Agreement Under 2008 Restricted Share Plan for Non-Employee Trustee, 
incorporated by reference to Exhibit 10.1 to the Company’s Quarterly Report on Form 10-Q for the 
period ended June 30, 2008.**

Restricted Share Plan for Non-Employee Trustees, incorporated by reference to Appendix A of the 
Company’s 2008 Proxy Statement filed on April 30, 2008.**

Summary of Trustee Compensation Program.**

Ramco-Gershenson Properties Trust 2012 Omnibus Long-Term Incentive Plan, incorporated by 
reference to Exhibit 10.1 to Registrant’s Form 8-K, dated June 12, 2012. **

Employment Letter, dated February 16, 2010, between Ramco-Gershenson Properties Trust and 
Gregory R. Andrews, incorporated by reference to Exhibit 10.1 to Registrant’s Form 8-K, dated 
February 19, 2010.**

Change in Control Policy, dated May 14, 2013, incorporated by reference to Exhibit 10.1 to 
Registrant’s Form 8-K dated May 16, 2013.

Form of Non-Qualified Option Agreement Under 2012 Omnibus Long-Term Incentive Plan, 
incorporated by reference to Exhibit 10.1 to Registrant’s Form 8-K dated June 12, 2012**

Form of Restricted Stock Award Agreement Under 2012 Omnibus Long-Term Incentive Plan, 
incorporated by reference to Exhibit 10.1 to Registrant’s Form 8-K dated June 6, 2012**

Unsecured Term Loan Agreement, dated as of September 30, 2011 among Ramco-Gershenson 
Properties, L.P., as Borrower, Ramco-Gershenson Properties Trust, as Guarantor, KeyBank National 
Association, The Huntington National Bank, PNC Bank, National Association, KeyBank National 
Association, as Agent, and KeyBanc Capital Markets, as Sole Lead Manager and Arranger 
incorporated by reference to Exhibit 10.1 to the Company’s Quarterly Report on Form 10-Q for the 
period ended September 30, 2011.

Unconditional Guaranty of Payment and Performance, dated as of September 30, 2011, by Ramco-
Gershenson Properties Trust, in favor of KeyBank National Association and the other lenders under 
the Unsecured Term Loan Agreement incorporated by reference to Exhibit 10.2 to the Company’s 
Quarterly Report on Form 10-Q for the period ended September 30, 2011.

2014 Executive Incentive Plan, dated February 24, 2014, incorporated by reference to Exhibit 10.1 
to the Company’s Current Report on Form 8-K dated February 28, 2014.

Third Amended and Restated Unsecured Master Loan Agreement dated as of July 19, 2012 among 
Ramco-Gershenson Properties, L.P., as Borrower, Ramco-Gershenson Properties Trust, as a 
Guarantor, KeyBank National Association, as a Bank, the Other Banks which are a Party to this 
Agreement, the Other Banks which may become Parties to this Agreement, KeyBank National 
Association, as Agent, KeyBanc Capital Markets, as Sole Lead Manager and Arranger, JPMorgan 
Chase Bank, N.A. and Bank of America, N.A. as Co-Syndication Agents, and Deutsche Bank 
Securities Inc. and PNC Bank, National Association, as Co Documentation Agents incorporated by 
reference to Exhibit 10.1 to the Company’s Quarterly Report on Form 10-Q ended  June 30, 2012.

10.19 

Third Amended and Restated Unconditional Guaranty of Payment and Performance, dated as of July 
19, 2012 by Ramco-Gershenson Properties Trust, as Guarantor, in favor of KeyBank National 

42

10.20 

10.21 

10.22 

10.23 

10.24 

10.25 

10.26 

10.27 

10.28 

10.29 

10.30 

10.31* 

12.1* 

21.1* 

23.1* 

Association and certain other lenders incorporated by reference to Exhibit 10.2 to the Company’s 
Quarterly Report on Form 10-Q ended June 30, 2012.

$110  Million  Note  Purchase  Agreement,  by  Ramco-Gershenson  Properties,  L.P.  incorporated  by 
reference to Exhibit 10.1 to the Company's Current Report on Form 8-K dated July 2, 2013. 

Agreement for the Acquisition of Partnership and Limited Liability Company Interests, dated March 
5,  2013,  between  CLPF-Ramco,  LLC,  CLPF-Ramco  L.P.,  Ramco  Lion,  LLC,  Ramco-Gershenson 
Properties, L.P. and Ramco GP incorporated by reference to Exhibit 10.1 to the Company's Quarterly 
Report on Form 10-Q ended March 31, 2013.

Unsecured Term Loan Agreement, dated May 16, 2013 among Ramco-Gershenson Properties, L.P., as 
borrower, Ramco-Gershenson Properties Trust, as Guarantor, Capital One, National Association, as 
bank, The Other Banks Which Are A Party To this Agreement, The Other Banks Which May Become 
Parties To This Agreement, Capital One, National Association, as Agent and Capital One, National 
Association,  as  Sole  Lead  Manager  and Arranger  incorporated  by  reference  to  Exhibit  10.2  to  the 
Company's Quarterly Report on Form 10-Q ended June 30, 2013.

First Amendment To Third Amended And Restated Unsecured Master Loan Agreement, dated March 
29,  2013  by  and  among  Ramco-Gershenson  Properties,  L.P.  and  KeyBank  National  Association  
incorporated by reference to Exhibit 10.3 to the Company's Quarterly Report on Form 10-Q ended June 
30, 2013.

Third Amendment To Unsecured Term Loan Agreement by and among Ramco-Gershenson Properties, 
L.P. and KeyBank National Association incorporated by reference to Exhibit 10.4 to the Company's 
Quarterly Report on Form 10-Q ended June 30, 2013.

Second Amendment To Third Amended And Restated Unsecured Master Loan Agreement, dated June 
26,  2013  by  and  among  Ramco-Gershenson  Properties,  L.P.  and  KeyBank  National  Association 
incorporated by reference to Exhibit 10.1 to the Company's Quarterly Report on Form 10-Q ended 
September 30, 2013. 

Third Amendment To Third Amended And Restated Unsecured Master Loan Agreement, dated August 
27,  2013  by  and  among  Ramco-Gershenson  Properties,  L.P.  and  KeyBank  National  Association 
incorporated by reference to Exhibit 10.2 to the Company's Quarterly Report on Form 10-Q ended 
September 30, 2013. 

$100 Million Note Purchase Agreement, by Ramco-Gershenon Properties, L.P. dated May 28, 2014 
incorporated by reference to Exhibit 10.1 to the Company's Quarterly Report on Form 10-Q ended June 
30, 2014. 

Unsecured Term Loan Agreement, dated May 29, 2014 among Ramco-Gershenson Properties, L.P., as 
borrower, Ramco-Gershenson Properties Trust, as a Guarantor, Capital One, National Association, as 
a Bank, The Other Banks Which Are A Party To This Agreement, The Other Banks Which May Become 
Parties To This Agreement, Capital One, National Association, as Administrative Agent, and Capital 
One, National Association, as Sole Lead Arranger and Sole Bookrunner incorporated by reference to 
Exhibit 10.2 to the Company's Quarterly Report on Form 10-Q ended June 30, 2014.

$100 Million Note Purchase Agreement, by Ramco-Gershenson Properties, L.P. dated September 8, 
2014 incorporated by reference to Exhibit 10.1 to the Company's Quarterly Report on Form 10-Q ended 
September 30, 2014. 

Fourth Amendment to Third Amended and Restated Unsecured Master Loan Agreement, dated October 
10,  2014  by  and  among  Ramco-Gershenson  Properties,  L.P.  and  KeyBank  National  Association 
incorporated by reference to Exhibit 10.2 to the Company's Quarterly Report on Form 10-Q ended 
September 30, 2014. 

Separation Agreement and Release, dated December 10, 2014 between Ramco-Gershenson Trust and 
Michael Sullivan.**

Computation of Ratio of Earnings to Combined Fixed Charges and Preferred Share Dividends.

Subsidiaries

Consent of Grant Thornton LLP.

43

31.1* 

31.2* 

32.2* 

101.INS(1) 

101.SCH(1) 

101.CAL(1) 

101.DEF(1) 

101.LAB(1) 

101.PRE(1) 

Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.

Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.

Certification of Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

XBRL Instance Document

XBRL Taxonomy Extension Schema

XBRL Extension Calculation

XBRL Extension Definition

XBRL Taxonomy Extension Label

XBRL Taxonomy Extension Presentation

* Filed herewith
** Management contract or compensatory plan or arrangement
(1) Pursuant to Rule 406T of Regulations S-T, these interactive data files are deemed not filed or part of a registration statement or 
prospectus for purposes of Sections 11 or 12 of the Securities Act of 1933, are deemed not filed for purposes of Sections 18 of the 
Securities Exchange Act of 1924 and otherwise are not subject to liability thereunder.

15(b)  The exhibits listed at item 15(a)(3) that are noted ‘filed herewith’ are hereby filed with this report.

15(c) The financial statement schedules listed at Item 15(a)(2) are hereby filed with this report.

44

Pursuant to the requirements of Section 13 or 15 (d) of the Securities Exchange Act of 1934, the registrant has duly caused this 
report to be signed on its behalf by the undersigned, thereunto duly authorized.

SIGNATURES

Dated: February 27, 2015

By: /s/ Dennis E. Gershenson

Ramco-Gershenson Properties Trust

Dennis E. Gershenson,

President and Chief Executive Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed by the following persons on 
behalf of registrant and in the capacities and on the dates indicated.

Dated:

February 27, 2015

By: /s/ Stephen R. Blank

Stephen R. Blank,

Chairman

Dated:

February 27, 2015

By: /s/ Dennis E. Gershenson

Dennis E. Gershenson,

Trustee, President and Chief Executive Officer

(Principal Executive Officer)

Dated:

February 27, 2015

By: /s/ Arthur H. Goldberg

Arthur H. Goldberg,

Trustee

Dated:

February 27, 2015

By: /s/ David J. Nettina

David J. Nettina,

Trustee

Dated:

February 27, 2015

By: /s/ Joel M. Pashcow

Joel M. Pashcow,

Trustee

Dated:

February 27, 2015

By: /s/ Mark K. Rosenfeld

Mark K. Rosenfeld,

Trustee

Dated:

February 27, 2015

By: /s/ Michael A. Ward

Michael A. Ward,

Trustee

Dated:

February 27, 2015

By: /s/ Gregory R. Andrews

Gregory R. Andrews,

Chief Financial Officer and Secretary

(Principal Financial and Accounting Officer)

45

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
RAMCO-GERSHENSON PROPERTIES TRUST

Index to Consolidated Financial Statements 

Consolidated Financial Statements:

Management Assessment Report on Internal Control over Financial Reporting

Report of Independent Registered Public Accounting Firm 

Report of Independent Registered Public Accounting Firm

Consolidated Balance Sheets - December 31, 2014 and 2013

Consolidated Statements of Operations and Comprehensive Income (Loss) - Years Ended December 31, 2014, 2013, and 
2012

Consolidated Statements of Shareholders’ Equity - Years Ended December 31, 2014, 2013, and 2012

Consolidated Statements of Cash Flows – Years Ended December 31, 2014, 2013, and 2012

Notes to Consolidated Financial Statements

Schedule to Consolidated Financial Statements

Page

F-2

F-3

F-4

F-5

F-6

F-7

F-8

F-9

F-34

F-1

 
 
 
 
 
 
 
 
 
 
 
 
 
Management’s Report on Internal Control Over Financial Reporting

Management is responsible for establishing and maintaining effective internal control over financial reporting as such term is 
defined under Rule 13a-15(f) promulgated under the Securities Exchange Act of 1934, as amended.

Internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial 
reporting and preparation of our consolidated financial statements for external purposes in accordance with generally accepted 
accounting principles.

Internal  control  over  financial  reporting  includes  those  policies  and  procedures  that  pertain  to  our  ability  to  record,  process, 
summarize and report reliable financial data.  Management recognizes that there are inherent limitations in the effectiveness of 
any internal control and effective internal control over financial reporting can provide only reasonable assurance with respect to 
financial statement preparation.  Additionally, because of changes in conditions, the effectiveness of internal control over financial 
reporting may vary over time.

Because  of  its  inherent  limitations,  internal  control  over  financial  reporting  may  not  prevent  or  detect  misstatements.  Also, 
projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because 
of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

Our management conducted an assessment of our internal controls over financial reporting as of December 31, 2014 using the 
framework established in 2013 by the Committee of Sponsoring Organizations of the Treadway Commission in Internal Control 
– Integrated Framework.  Based on this assessment, management has concluded that our internal control over financial reporting 
was effective as of December 31, 2014.

Our independent registered public accounting firm, Grant Thornton LLP, has issued an attestation report on our internal control 
over financial reporting.  Their report appears on page F-3 of this Annual Report on Form 10-K.

F-2

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Board of Trustees and Shareholders
Ramco-Gershenson Properties Trust

We have audited the internal control over financial reporting of Ramco-Gershenson Properties Trust (a Maryland corporation) and 
subsidiaries (the “Company”) as of December 31, 2014, based on criteria established in the 2013 Internal Control-Integrated 
Framework  issued  by  the  Committee  of  Sponsoring  Organizations  of  the  Treadway  Commission  (COSO).  The  Company’s 
management  is  responsible  for  maintaining  effective  internal  control  over  financial  reporting  and  for  its  assessment  of  the 
effectiveness of internal control over financial reporting, included in the accompanying Management’s Report on Internal Control 
Over Financial Reporting. Our responsibility is to express an opinion on the Company’s internal control over financial reporting 
based on our audit.

We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). 
Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control 
over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control 
over  financial  reporting,  assessing  the  risk  that  a  material  weakness  exists,  testing  and  evaluating  the  design  and  operating 
effectiveness of internal control based on the assessed risk, and performing such other procedures as we considered necessary in 
the circumstances. We believe that our audit provides a reasonable basis for our opinion.

A company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability 
of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted 
accounting principles. A company’s internal control over financial reporting includes those policies and procedures that (1) pertain 
to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets 
of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial 
statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are 
being made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable 
assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company’s assets that 
could have a material effect on the financial statements.

Because  of  its  inherent  limitations,  internal  control  over  financial  reporting  may  not  prevent  or  detect  misstatements. Also, 
projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because 
of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 
31, 2014, based on criteria established in the 2013 Internal Control-Integrated Framework issued by COSO.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the 
consolidated financial statements of the Company as of and for the year ended December 31, 2014, and our report dated February 27, 
2015 expressed an unqualified opinion on those financial statements.

/s/ GRANT THORNTON LLP

Southfield, Michigan
February 27, 2015 

F-3

 
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Board of Trustees and Shareholders
Ramco-Gershenson Properties Trust

We have audited the accompanying consolidated balance sheets of Ramco-Gershenson Properties Trust (a Maryland corporation) 
and subsidiaries (the “Company”) as of December 31, 2014 and 2013, and the related consolidated statements of operations and 
comprehensive income (loss), shareholders’ equity, and cash flows for each of the three years in the period ended December 31, 
2014.  Our  audits  of  the  basic  consolidated  financial  statements  included  the  financial  statement  schedule  listed  in  the  index 
appearing under Item 15. These financial statements and financial statement schedule are the responsibility of the Company’s 
management. Our responsibility is to express an opinion on these financial statements and financial statement schedule based on 
our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). 
Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements 
are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures 
in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by 
management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable 
basis for our opinion.

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position 
of Ramco-Gershenson Properties Trust and subsidiaries as of December 31, 2014 and 2013, and the results of their operations and 
their cash flows for each of the three years in the period ended December 31, 2014 in conformity with accounting principles 
generally accepted in the United States of America.  Also in our opinion, the related financial statement schedule, when considered 
in relation to the basic consolidated financial statements taken as a whole, presents fairly, in all material respects, the information 
set forth therein.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the 
Company’s internal control over financial reporting as of December 31, 2014, based on criteria established in the 2013 Internal 
Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO), and 
our report dated February 27, 2015 expressed an unqualified opinion.

/s/GRANT THORNTON LLP

Southfield, Michigan
February 27, 2015

F-4

RAMCO-GERSHENSON PROPERTIES TRUST
CONSOLIDATED BALANCE SHEETS
(In thousands, except per share amounts) 

ASSETS
Income producing properties, at cost:
Land
Buildings and improvements

Less accumulated depreciation and amortization

Income producing properties, net

Construction in progress and land available for development or sale

Net real estate
Equity investments in unconsolidated joint ventures
Cash and cash equivalents
Restricted cash
Accounts receivable, net
Other assets, net
TOTAL ASSETS

LIABILITIES AND SHAREHOLDERS' EQUITY
Notes payable:

Senior unsecured notes payable
Mortgages payable
Unsecured revolving credit facility
Junior subordinated notes

Total notes payable
Capital lease obligation
Accounts payable and accrued expenses
Other liabilities
Distributions payable
TOTAL LIABILITIES

Commitments and Contingencies

$

$

$

December 31,

2014

2013

$

$

$

341,388
1,592,644
(287,177)
1,646,855
74,655
1,721,510
28,733
9,335
8,163
11,997
168,641
1,948,379

520,000
363,580
10,000
28,125
921,705
1,828
44,232
64,384
17,951
1,050,100

284,686
1,340,531
(253,292)
1,371,925
101,974
1,473,899
30,931
5,795
3,454
9,648
128,521
1,652,248

365,000
333,049
27,000
28,125
753,174
5,686
32,026
48,593
14,809
854,288

Ramco-Gershenson Properties Trust ("RPT") Shareholders' Equity:
Preferred shares, $0.01 par, 2,000 shares authorized: 7.25% Series D Cumulative Convertible
Perpetual Preferred Shares, (stated at liquidation preference $50 per share), 2,000 shares
issued and outstanding as of December 31, 2014 and December 31, 2013
Common shares of beneficial interest, $0.01 par, 120,000 shares authorized, 77,573 and
66,669 shares issued and outstanding as of December 31, 2014 and 2013, respectively
Additional paid-in capital
Accumulated distributions in excess of net income
Accumulated other comprehensive (loss) income
TOTAL SHAREHOLDERS' EQUITY ATTRIBUTABLE TO RPT
Noncontrolling interest
TOTAL SHAREHOLDERS' EQUITY
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY

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

$

100,000

$

100,000

776
1,130,262
(356,715)
(1,966)
872,357
25,922
898,279
1,948,379

$

667
959,183
(289,837)
84
770,097
27,863
797,960
1,652,248

$

F-5

 
 
 
 
 
 
 
 
 
 
 
 
RAMCO-GERSHENSON PROPERTIES TRUST
CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (LOSS)
(In thousands, except per share amounts)

Year Ended December 31,
2013

2012

2014

$

REVENUE

Minimum rent
Percentage rent
Recovery income from tenants
Other property income
Management and other fee income

TOTAL REVENUE
EXPENSES

Real estate taxes
Recoverable operating expense
Other non-recoverable operating expense
Depreciation and amortization
Acquisitions costs
General and administrative expense
Provision for impairment

TOTAL EXPENSES
OPERATING INCOME
OTHER INCOME AND EXPENSES

Other expense, net
Gain on sale of real estate
Earnings (loss) from unconsolidated joint ventures
Interest expense
Amortization of deferred financing fees
Deferred gain recognized on real estate
Loss on extinguishment of debt

(LOSS) INCOME FROM CONTINUING OPERATIONS BEFORE TAX

Income tax (provision) benefit

(LOSS) INCOME FROM CONTINUING OPERATIONS

DISCONTINUED OPERATIONS

Gain on sale of real estate
Gain on extinguishment of debt
Provision for impairment
Income from discontinued operations

INCOME (LOSS) FROM DISCONTINUED OPERATIONS

NET (LOSS) INCOME

Net loss (income) attributable to noncontrolling partner interest

NET (LOSS) INCOME ATTRIBUTABLE TO RPT

Preferred share dividends

NET (LOSS) INCOME AVAILABLE TO COMMON SHAREHOLDERS

$

(LOSS) EARNINGS PER COMMON SHARE, BASIC

Continuing operations
Discontinued operations

(LOSS) EARNINGS PER COMMON SHARE, DILUTED

Continuing operations
Discontinued operations

WEIGHTED AVERAGE COMMON SHARES OUTSTANDING

Basic
Diluted

OTHER COMPREHENSIVE (LOSS) INCOME

Net (loss) income
Other comprehensive (loss) income:
(Loss) gain on interest rate swaps

Comprehensive (loss) income

Comprehensive loss (income) attributable to noncontrolling interest
COMPREHENSIVE (LOSS) INCOME ATTRIBUTABLE TO RPT

$

157,691
264
52,828
5,521
2,059
218,363

31,474
27,319
3,633
81,182
1,890
21,670
27,865
195,033
23,330

(689)
10,857
75
(33,742)
(1,446)
117
(860)
(2,358)
(54)
(2,412)

—
—
—
—
—

(2,412)
48
(2,364)
(7,250)
(9,614) $

(0.14)
—
(0.14)

(0.14)
—
(0.14)

$

$

124,169
209
40,018
3,337
2,335
170,068

23,161
20,194
3,006
56,305
1,322
20,951
9,669
134,608
35,460

(965)
4,279
(4,759)
(29,075)
(1,447)
5,282
(340)
8,435
(64)
8,371

2,120
—
—
971
3,091

11,462
(465)
10,997
(7,250)
3,747

0.01
0.05
0.06

0.01
0.05
0.06

87,921
592
30,721
1,927
4,064
125,225

16,699
15,447
2,802
38,673
314
19,132
1,773
94,840
30,385

(66)
69
3,248
(25,895)
(1,449)
845
—
7,137
34
7,171

336
307
(2,915)
2,193
(79)

7,092
112
7,204
(7,250)
(46)

—
—
—

—
—
—

72,118
72,118

59,336
59,728

44,101
44,101

$

$

(2,412) $

11,462

$

7,092

(2,115)
(4,527)
65
(4,462) $

5,520
16,982
(195)
16,787

$

(2,745)
4,347
153
4,500

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

F-6

 
 
 
RAMCO-GERSHENSON PROPERTIES TRUST
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY
(In thousands, except share amounts) 

Shareholders' Equity of Ramco-Gershenson Properties
Trust

Preferred
Shares

Common
Shares

Additional
Paid-in
Capital

Accumulated
Distributions
in Excess of
Net Income

Accumulated
Other
Comprehensive
(Loss) Income

Noncontrolling
Interest

Total
Shareholders’
Equity

Balance, December 31, 2011

$ 100,000

$

387

$

570,225

$

(218,888) $

(2,649) $

32,099

$

481,174

Issuance of common shares

Issuance of preferred shares

Conversion and redemption of OP unit holders

Share-based compensation and other expense

Dividends declared to common shareholders

Dividends declared to preferred shareholders

Distributions declared to noncontrolling interests

Dividends paid on restricted shares

Other comprehensive loss adjustment

Net income (loss)

Balance, December 31, 2012

Issuance of common shares

Conversion and redemption of OP unit holders

Share-based compensation and other expense

Dividends declared to common shareholders

Dividends declared to preferred shareholders

Distributions declared to noncontrolling interests

Dividends declared to deferred shares

Other comprehensive income adjustment

Net income

Balance, December 31, 2013

Issuance of common shares

Conversion and redemption of OP unit holders

Share-based compensation and other expense

Dividends declared to common shareholders

Dividends declared to preferred shareholders

Distributions declared to noncontrolling interests

Dividends declared to deferred shares

Other comprehensive loss adjustment

Net loss

—

—

—

—

—

—

—

—

—

—

100,000

—

—

—

—

—

—

—

—

—

100,000

—

—

—

—

—

—

—

—

—

98

—

—

—

—

—

—

—

—

—

485

181

—

1

—

—

—

—

—

—

667

107

—

2

—

—

—

—

—

—

111,370

—

—

2,014

—

—

—

—

—

—

683,609

273,568

—

2,006

—

—

—

—

—

—

959,183

170,265

—

814

—

—

—

—

—

—

—

—

—

—

(29,863)

(7,250)

—

(273)

—

7,204

(249,070)

—

—

—

(44,172)

(7,250)

—

(342)

—

10,997

(289,837)

—

—

—

(56,905)

(7,250)

—

(359)

—

(2,364)

—

—

—

—

—

—

—

—

(2,592)

—

(5,241)

—

—

—

—

—

—

—

5,325

—

84

—

—

—

—

—

—

—

(2,050)

—

—

—

(3)

—

—

—

(1,782)

—

(153)

(112)

30,049

—

(1,243)

—

—

—

(1,603)

—

195

465

27,863

—

(84)

—

—

—

(1,744)

—

(65)

(48)

111,468

—

(3)

2,014

(29,863)

(7,250)

(1,782)

(273)

(2,745)

7,092

559,832

273,749

(1,243)

2,007

(44,172)

(7,250)

(1,603)

(342)

5,520

11,462

797,960

170,372

(84)

816

(56,905)

(7,250)

(1,744)

(359)

(2,115)

(2,412)

Balance, December 31, 2014

$ 100,000

$

776

$ 1,130,262

$

(356,715) $

(1,966) $

25,922

$

898,279

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

F-7

 
 
 RAMCO-GERSHENSON PROPERTIES TRUST
CONSOLIDATED STATEMENTS OF CASH FLOWS
(In thousands)

Year Ended December 31,
2013

2012

2014

OPERATING ACTIVITIES
Net (loss) income
Adjustments to reconcile net (loss) income to net cash provided by operating activities:

$

(2,412) $

11,462

$

7,092

Depreciation and amortization, including discontinued operations
Amortization of deferred financing fees, including discontinued operations
Income tax provision (benefit)
(Earnings) loss from unconsolidated joint ventures
Distributions received from operations of unconsolidated joint ventures
Provision for impairment, including discontinued operations
Loss (gain) on extinguishment of debt, including discontinued operations
Deferred gain recognized upon acquisition of real estate
Gain on sale of real estate, including discontinued operations
Amortization of premium on mortgages and notes payable, net
Share-based compensation expense
Long-term incentive cash compensation expense
Changes in assets and liabilities:
Accounts receivable, net
Other assets, net
Accounts payable, accrued expenses and other liabilities

Net cash provided by operating activities
INVESTING ACTIVITIES

Acquisitions of real estate, net of assumed debt
Development and capital improvements
Net proceeds from sales of real estate
Distributions from sale of joint venture property
(Increase) decrease in restricted cash
Investment in unconsolidated joint ventures
Note repayment from third party
Net cash used in investing activities
FINANCING ACTIVITIES

Proceeds on mortgages and notes payable
Repayment of mortgages and notes payable
Net (repayments) proceeds on revolving credit facility
Payment of debt extinguishment costs
Payment of deferred financing costs
Proceeds from issuance of common shares
Repayment of capitalized lease obligation
Conversion of operating partnership units for cash
Dividends paid to preferred shareholders
Dividends paid to common shareholders
Distributions paid to operating partnership unit holders

Net cash provided by financing activities
Net change in cash and cash equivalents

Cash and cash equivalents at beginning of period
Cash and cash equivalents at end of period

SUPPLEMENTAL DISCLOSURE OF NON-CASH ACTIVITY

Assumption of debt related to acquisitions
Conveyance of ownership interest to lender, release from mortgage obligation

SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION

Cash paid for interest (net of capitalized interest of $1,862, $1,161 and $996 in 2014, 2013 and
2012, respectively)
Cash paid for federal income taxes

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

F-8

81,182
1,446
54
(75)
1,881
27,865
860
(117)
(10,857)
(1,138)
2,093
2,527

(2,349)
5,420
4,212
110,592

56,841
1,447
64
4,759
3,232
9,669
—
(5,282)
(6,399)
(541)
2,151
1,498

(1,672)
(689)
9,043
85,583

39,822
1,454
(34)
(3,248)
3,793
4,688
(307)
(845)
(405)
(30)
2,120
445

1,128
6,349
172
62,194

$ (264,414) $ (342,189) $ (149,960)
(38,431)
10,292
3,587
2,171
(3,869)
3,000
(173,210)

(44,625)
33,916
1,687
438
(4,979)
—
(355,752)

(80,742)
34,156
—
(4,709)
(14)
—
(315,723)

$

$

$

$

275,000
(153,795)
(17,000)
—
(2,379)
170,372
(328)
(84)
(7,250)
(54,149)
(1,716)
208,671
3,540
5,795
9,335

58,634
—

35,507
—

$

$

$

$

185,000
(121,817)
(13,000)
(340)
(1,889)
274,295
(337)
(1,243)
(7,250)
(40,108)
(1,580)
271,731
1,562
4,233
5,795

158,767
—

30,631
—

$

$

$

$

45,000
(24,200)
10,500
—
(1,959)
111,468
(318)
—
(7,250)
(28,333)
(1,814)
103,094
(7,922)
12,155
4,233

—
8,501

25,686
16

RAMCO-GERSHENSON PROPERTIES TRUST
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
Years Ended December 31, 2014, 2013 and 2012 

1. Organization and Summary of Significant Accounting Policies

Ramco-Gershenson Properties Trust, together with our subsidiaries (the “Company”), is a real estate investment trust (“REIT”) 
engaged in the business of owning, developing, redeveloping, acquiring, managing and leasing large multi-anchored shopping 
centers primarily in a dozen of the largest metropolitan markets in the United States.  Our property portfolio consists of 67 wholly 
owned shopping centers and one office building comprising approximately 14.2 million square feet.  In addition, we are co-investor 
in and manager of two institutional joint ventures that own portfolios of shopping centers.  We own 20% of Ramco 450 Venture 
LLC, an entity that owns eight shopping centers comprising approximately 1.7 million square feet and 30% of Ramco/Lion Venture 
L.P., an entity that owns three shopping centers comprising approximately 0.8 million square feet.  We also have ownership interests 
in two smaller joint ventures that each own a shopping center.  Our joint ventures are reported using equity method accounting.  We 
earn fees from the joint ventures for managing, leasing, and redeveloping the shopping centers they own.  We also own interests 
in three parcels of land available for development and five parcels of land available for sale.

We made an election to qualify as a REIT for federal income tax purposes.  Accordingly, we generally will not be subject to federal 
income tax, provided that we annually distribute at least 90% of our taxable income to our shareholders and meet other conditions.

Principles of Consolidation and Estimates

The consolidated financial statements include the accounts of us and our majority owned subsidiary, the Operating Partnership, 
Ramco-Gershenson Properties, L.P. (97.2%, 96.8% and 95.4% owned by us at December 31, 2014, 2013 and 2012, respectively), 
and all wholly-owned subsidiaries, including entities in which we have a controlling interest or have been determined to be the 
primary beneficiary of a variable interest entity (“VIE”).  The presentation of consolidated financial statements does not itself 
imply that assets of any consolidated entity (including any special-purpose entity formed for a particular project) are available to 
pay the liabilities of any other consolidated entity, or that the liabilities of any other consolidated entity (including any special-
purpose entity formed for a particular project) are obligations of any other consolidated entity.  Investments in real estate joint 
ventures over which we have the ability to exercise significant influence, but for which we do not have financial or operating 
control, are accounted for using the equity method of accounting.  Accordingly, our share of the earnings (loss) of these joint 
ventures is included in consolidated net income (loss).  All intercompany transactions and balances are eliminated in consolidation.

We own 100% of the non-voting and voting common stock of Ramco-Gershenson, Inc. (“Ramco”), and therefore it is included 
in  the  consolidated  financial  statements.  Ramco  has  elected  to  be  a  taxable  REIT  subsidiary  for  federal  income  tax 
purposes.  Ramco provides property management services to us and to other entities, including our real estate joint venture partners.

The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America 
(“GAAP”) requires our management to make estimates and assumptions that affect the reported amounts of assets and liabilities 
and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and 
expenses during the reporting period. We base our estimates on historical experience and on various other assumptions that we 
believe to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying 
values of assets and liabilities and reported amounts that are not readily apparent from other sources.  Actual results could differ 
from those estimates.

Reclassifications

Certain reclassifications of prior period amounts have been made in the financial statements in order to conform to the 2014 
presentation.

Revenue Recognition and Accounts Receivable

Our shopping center space is generally leased to retail tenants under leases that are classified as operating leases. We recognize 
minimum rents using the straight-line method over the terms of the leases commencing when the tenant takes possession of the 
space or when construction of landlord funded improvements is substantially complete. Certain of the leases also provide for 
contingent percentage rental income which is recorded on an accrual basis once the specified target that triggers this type of income 
is achieved. The leases also provide for reimbursement from tenants for common area maintenance (“CAM”), insurance, real 
estate taxes and other operating expenses ("Recovery Income"). The majority of our Recovery Income is estimated and recognized 
as revenue in the period the recoverable costs are incurred or accrued.  Revenues from management, leasing, and other fees are 

F-9

recognized in the period in which the services have been provided and the earnings process is complete. Lease termination income 
is recognized when a lease termination agreement is executed by the parties and the tenant vacates the space.  When a lease is 
terminated early but the tenant continues to control the space under a modified lease agreement, the lease termination fee is 
generally recognized evenly over the remaining term of the modified lease agreement.

Current accounts receivable from tenants primarily relate to contractual minimum rent, percentage rent and Recovery Income.

We provide for bad debt expense based upon the allowance method of accounting. We monitor the collectability of our accounts 
receivable from specific tenants on an ongoing basis, analyze historical bad debts, customer creditworthiness, current economic 
trends and changes in tenant payment terms when evaluating the adequacy of the allowance for bad debts.  Allowances are taken 
for those balances that we have reason to believe may be uncollectible.  When tenants are in bankruptcy, we make estimates of 
the  expected  recovery  of  pre-petition  and  post-petition  claims.  The  period  to  resolve  these  claims  can  exceed  one 
year.  Management believes the allowance for doubtful accounts is adequate to absorb currently estimated bad debts.  However, 
if  we  experience  bad  debts  in  excess  of  the  allowance  we  have  established,  our  operating  income  would  be  reduced.  At 
December 31, 2014 and 2013, our accounts receivable were $12.0 million and $9.6 million, respectively, net of allowances for 
doubtful accounts of $2.3 million and $2.4 million, respectively.

In addition, many of our leases contain non-contingent rent escalations for which we recognize income on a straight-line basis 
over the non-cancelable lease term.  This method results in rental income in the early years of a lease being higher than actual 
cash received, creating a straight-line rent receivable asset which is included in the “Other assets, net” line item in our consolidated 
balance sheets.  We review our unbilled straight-line rent receivable balance to determine the future collectability of revenue that 
will  not  be  billed  to  or  collected  from  tenants  due  to  early  lease  terminations,  lease  modifications,  bankruptcies  and  other 
factors.  Our evaluation is based on our assessment of tenant credit risk changes indicating that expected future straight-line rent 
may not be realized.  Depending on circumstances, we may provide a reserve against the previously recognized straight-line rent 
receivable asset for a portion, up to its full value, that we estimate may not be received.  The balance of straight-line rent receivable 
at December 31, 2014 and 2013, net of allowances was $15.8 million and $15.1 million, respectively.  To the extent any of the 
tenants under these leases become unable to pay their contractual cash rents, we may be required to write down the straight-line 
rent receivable from those tenants, which would reduce our operating income.

Real Estate

Real estate assets that we own directly are stated at cost less accumulated depreciation.  Depreciation is computed using the straight-
line method.  The estimated useful lives for computing depreciation are generally 10 – 40 years for buildings and and improvements 
and 5 – 30 years for parking lot surfacing and equipment.  We capitalize all capital improvement expenditures associated with 
replacements and improvements to real property that extend its useful life and depreciate them over their estimated useful lives 
ranging from 15 – 25 years.  In addition, we capitalize qualifying tenant leasehold improvements and depreciate them over the  
useful life of the improvements or the term of the related tenant lease.  We also capitalize direct internal and external costs of 
procuring leases and amortize them over the base term of the lease.  If a tenant vacates before the expiration of its lease, we charge 
unamortized leasing costs and undepreciated tenant leasehold improvements of no future value to expense.  We charge maintenance 
and repair costs that do not extend an asset’s life to expense as incurred.

Sale of a real estate asset is recognized when it is determined that the sale has been consummated, the buyer’s initial and continuing 
investment is adequate, our receivable, if any, is not subject to future subordination, and the buyer has assumed the usual risks 
and rewards of ownership of the asset.  We will classify properties as held for sale when executed purchase and sales agreement 
contingencies have been satisfied thereby signifying that the sale is guaranteed and legally binding.

We allocate the costs of acquisitions to assets acquired and liabilities assumed based on estimated fair values, replacement costs 
and appraised values.  The purchase price of the acquired property is allocated to land, building, improvements and identifiable 
intangibles such as in-place leases, above/below market leases, out-of-market assumed mortgages, and gain on purchase, if any.  The 
value  allocated  to  above/below  market  leases  is  amortized  over  the  related  lease  term  and  included  in  rental  income  in  our 
consolidated statements of operations. Should a tenant terminate its lease prior to its stated expiration, all unamortized amounts 
relating to that lease would be written off.

Real estate also includes costs incurred in the development of new operating properties and the redevelopment of existing operating 
properties.  These properties are carried at cost and no depreciation is recorded on these assets until the commencement of rental 
revenue or no later than one year from the completion of major construction.  These costs include pre-development costs directly 
identifiable with the specific project, development and construction costs, interest, real estate taxes and insurance.  Interest is 
capitalized on land under development and buildings under construction based on the weighted average rate applicable to our 
borrowings outstanding during the period and the weighted average balance of qualified assets under development/redevelopment 
F-10

during the period.  Indirect project costs associated with development or construction of a real estate project are capitalized until 
the earlier of one year following substantial completion of construction or when the property becomes available for occupancy.

The  capitalized  costs  associated  with  development  and  redevelopment  projects  are  depreciated  over  the  useful  life  of  the 
improvements.  If we determine a development or redevelopment project is no longer probable, we expense all capitalized costs 
which are not recoverable.

It is our policy to start vertical construction on new development projects only after the project has received entitlements, significant 
anchor  leasing  commitments,  construction  financing  and  joint  venture  partner  commitments,  if  appropriate.  We  are  in  the 
entitlement and pre-leasing phases at our development projects.

Accounting for the Impairment of Long-Lived Assets

We review our investment in real estate, including any related intangible assets, for impairment on a property-by-property basis 
whenever events or changes in circumstances indicate that the carrying value of the property may not be recoverable.  These 
changes in circumstances include, but are not limited to, changes in occupancy, rental rates, tenant sales, net operating income, 
real estate values and expected holding period.  The viability of all projects under construction or development, including those 
owned by unconsolidated joint ventures, are regularly evaluated under applicable accounting requirements, including requirements 
relating to abandonment of assets or changes in use.  To the extent a project, or individual components of the project, are no longer 
considered to have value, the related capitalized costs are charged against operations.

Impairment provisions resulting from any event or change in circumstances, including changes in management’s intentions or 
management’s analysis of varying scenarios, could be material to our consolidated financial statements.

We recognize an impairment of an investment in real estate when the estimated undiscounted cash flow is less than the net carrying 
value of the property.  If it is determined that an investment in real estate is impaired, then the carrying value is reduced to the 
estimated fair value as determined by cash flow models and discount rates or comparable sales in accordance with our fair value 
measurement policy.  Refer to Note 6 of the notes to the consolidated financial statements for further information.

In 2014, we recorded impairment provisions totaling $27.9 million consisting of:

• 

• 

$23.3 million related to certain parcels of land available for development or sale due to changes in plans or in fair 
value estimates; and 
$4.6 million of related to income producing properties that we have identified to be marketed for sale.

Investments in Real Estate Joint Ventures

We have four equity investments in unconsolidated joint venture entities in which we own 30% or less of the total ownership 
interest.  Because  we  can  influence  but  not  make  significant  decisions  without  our  partners'  approval,  these  investments  are 
accounted for under the equity method of accounting. We provide leasing, development, asset and property management services 
to these joint ventures for which we are paid fees.  Refer to Note 7 of the notes to the consolidated financial statements for further 
information.

We review our equity investments in unconsolidated entities for impairment on a venture-by-venture basis whenever events or 
changes in circumstances indicate that the carrying value of the equity investment may not be recoverable. In testing for impairment 
of these equity investments, we primarily use cash flow models, discount rates, and capitalization rates to estimate the fair value 
of properties held in joint ventures, and mark the debt of the joint ventures to market.  Considerable judgment by management is 
applied when determining whether an equity investment in an unconsolidated entity is impaired and, if so, the amount of the 
impairment.  Changes  to  assumptions  regarding  cash  flows,  discount  rates,  or  capitalization  rates  could  be  material  to  our 
consolidated financial statements.

There were no impairment provisions on our equity investments in joint ventures recorded in 2014.  

F-11

Other Assets, net

Other assets consist primarily of acquired lease intangibles, straight-line rent receivable, deferred leasing costs, deferred financing 
costs and prepaid expenses.  Other assets also include the the fair value of in-place public improvement fee income and real estate 
tax exemption agreements associated with two properties acquired in 2014.  Deferred financing and leasing costs are amortized 
using the straight-line method over the terms of the respective agreements. Should a tenant terminate its lease, the unamortized 
portion of the leasing cost is expensed.  Unamortized financing costs are expensed when the related agreements are terminated 
before  their  scheduled  maturity  dates.  We  review  our  unbilled  straight-line  rent  receivable  balance  to  determine  the  future 
collectability of revenue that will not be billed to or collected from tenants due to early lease terminations, lease modifications, 
bankruptcies and other factors.  Our evaluation is based on our assessment of tenant credit risk changes indicating that expected 
future  straight-line  rent  may  not  be  realized.  Depending  on  circumstances,  we  may  provide  a  reserve  against  the  previously 
recognized straight-line rent receivable asset for a portion, up to its full value, that we estimate may not be received.

Cash and Cash Equivalents

We consider all highly liquid investments with an original maturity of three months or less to be cash equivalents.  Cash balances 
in individual banks may exceed the federally insured limit by the Federal Deposit Insurance Corporation (the “FDIC”).  As of 
December 31, 2014, we had $12.7 million in excess of the FDIC insured limit.

Recognition of Share-based Compensation Expense

We grant share-based compensation awards to employees and trustees in the form of restricted common shares and in the past we 
have granted stock options to employees and trustees.  Our share-based award costs are equal to each grant date fair value and are 
recognized over the service periods of the awards using the graded vesting method.  See Note 16 of the notes to the consolidated 
financial statements for further information.

Income Tax Status

We  made  an  election  to  qualify,  and  believe  our  operating  activities  permit  us  to  qualify  as  a  REIT  for  federal  income  tax 
purposes.  Accordingly, we generally will not be subject to federal income tax, provided that we distribute at least 90% of our 
taxable income annually to our shareholders and meet other conditions.  We are obligated to pay state taxes, generally consisting 
of franchise or gross receipts taxes in certain states which are not material to our consolidated financial statements.

Certain of our operations, including property and asset management, as well as ownership of certain land parcels, are conducted 
through  taxable  REIT  subsidiaries,  (“TRSs”)  which  are  subject  to  federal  and  state  income  taxes.  During  the  years  ended 
December 31, 2014, 2013, and 2012, we sold various properties and land parcels at a gain, resulting in both a federal and state 
tax liability.  See Note 17 of the notes to the consolidated financial statements for further information.

Variable Interest Entities

Certain entities that do not have sufficient equity at risk for the entity to finance its activities without additional subordinated 
financial support from other parties or in which equity investors do not have the characteristics of a controlling financial interest 
qualify as VIEs.  VIEs are required to be consolidated by their primary beneficiary.  The primary beneficiary of a VIE has both 
(i) the power to direct the activities that most significantly impact economic performance of the VIE, and (ii) the obligation to 
absorb losses or the right to receive benefits that could potentially be significant to the VIE. 

We have evaluated our investments in joint ventures and determined that the joint ventures do not meet the requirements of a VIE 
and, therefore, consolidation of these ventures is not required.  Accordingly, these investments are accounted for using the equity 
method.

Noncontrolling Interest in Subsidiaries

There are third parties who have certain noncontrolling interests in subsidiaries that are exchangeable for our common shares on 
a 1:1 basis or cash, at our election.   Noncontrolling interest is classified as a separate component of equity outside of the permanent 
equity section of our consolidated balance sheets.  Consolidated net income and comprehensive income includes the noncontrolling 
interest’s share.  The calculation of earnings per share is based on income available to common shareholders.

F-12

Segment Information

Our primary business is the ownership, management, redevelopment, development and operation of retail shopping centers.  We 
do not distinguish our primary business or group our operations on a geographical basis for purposes of measuring performance.  We 
review operating and financial data for each property on an individual basis and define an operating segment as an individual 
property.  The individual properties have been aggregated into one reportable segment based upon their similarities with regard 
to both the nature and economics of the centers, tenants and operational processes, as well as long-term financial performance.  No 
one individual property constitutes more than 10% of our revenue or property operating income and none of our shopping centers 
are located outside the United States.   Accordingly, we have a single reportable segment for disclosure purposes.

2.  Recent Accounting Pronouncements

In June 2014, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update No. 2014-12, “Accounting 
for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite 
Service Period” (“ASU 2014-12”). The amendments in ASU 2014-12 require that a performance target that affects vesting and 
that could be achieved after the requisite service period be treated as a performance condition. A reporting entity should apply 
existing guidance in Accounting Standards Codification Topic No. 718, “Compensation — Stock Compensation” (“ASC 718”), 
as it relates to awards with performance conditions that affect vesting to account for such awards. The amendments in ASU 2014-12 
are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Early adoption 
is permitted. Entities may apply the amendments in ASU 2014-12 either: (a) prospectively to all awards granted or modified after 
the effective date; or (b) retrospectively to all awards with performance targets that are outstanding as of the beginning of the 
earliest annual period presented in the financial statements and to all new or modified awards thereafter. We believe the adoption 
of this guidance will not have a material effect on our consolidated financial statements.

In May 2014, the FASB issued ASU 2014-09 "Revenue from Contract with Customers" as a new Topic, Accounting Standards 
Codification ("ASC") Topic 606.  The objective of ASU 2014-09 is to establish a single comprehensive model for entities to use 
in accounting for revenue arising from contracts with customers and will supersede most of the existing revenue recognition 
guidance, including industry-specific guidance.  The core principle is that a company should recognize revenue to depict the 
transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be 
entitled in exchange for those goods or services.  In applying the new standard, companies will perform a five-step analysis of 
transactions to determine when and how revenue is recognized.  ASU 2014-09 applies to all contracts with customers except those 
that are within the scope of other topics in the FASB ASC.  This ASU is effective for annual reporting periods (including interim 
periods within those periods) beginning after December 15, 2016 and shall be applied using either a full retrospective or modified 
retrospective approach.  Early adoption is not permitted.  We are currently evaluating the guidance and have not determined the 
impact this standard may have on our consolidated financial statements nor decided upon the method of adoption.

In April 2014, the FASB issued ASU 2014-08 "Presentation of Financial Statements (Topic 205) and Property, Plant, and Equipment 
(Topic 360), Reporting Discontinued Operations and Disclosures of Disposals of Components of an Entity" which amends the 
requirements for reporting discontinued operations.  Under ASU 2014-08, a disposal of a component of an entity or a group of 
components of an entity is required to be reported in discontinued operations if the disposal represents a strategic shift that has 
(or  will  have)  a  major  effect  on  an  entity's  operations  and  financial  results.    For  public  entities, ASU  2014-08  is  effective 
prospectively for fiscal years beginning after December 15, 2014; however, early adoption is permitted, but only for disposals or 
classifications as held for sale that have not been reported in financial statements previously issued or available for issuance.  We 
adopted  the  provisions  of ASU  2014-08  beginning  with  the  period  ended  March  31,  2014,  and  have  applied  the  provisions 
prospectively.  

Prior to the adoption of ASU 2014-08, the results of operations for operating properties sold or held for sale during the reported 
periods were shown under Discontinued Operations on the Consolidated Statements of Operations.  Beginning with the period 
ended March 31, 2014, in general, our activity related to individual sales of properties wholly-owned or co-owned with joint 
ventures will no longer be classified as Discontinued Operations.

3. Real Estate

Included  in  our  net  real  estate  are  income  producing  shopping  center  properties  that  are  recorded  at  cost  less  accumulated 
depreciation and amortization, construction in process and land available for development or sale.

F-13

Land available for development or sale includes real estate projects where vertical construction has yet to commence, but which 
have been identified by us and are available for future development when market conditions dictate the demand for a new shopping 
center.  Land available for sale was $21.8 million and $19.9 million at December 31, 2014 and 2013, respectively.  

At December 31, 2014, we had three projects under pre-development.  Our land available for development consisted of:

Development Project/Location

Hartland Towne Square - Hartland Twp., MI
Lakeland Park Center - Phase II, III - Lakeland, FL
Parkway Shops - Phase II - Jacksonville, FL

Carrying Value As of December 31,

2014

2013

(In thousands)

$

Total $

4,699
14,506
7,962
27,167

$

$

25,193
11,774
11,673
48,640

Construction in progress represents existing development and redevelopment projects. When projects are substantially complete 
and ready for their intended use, balances are transferred to land, buildings or improvements as appropriate.  Construction in 
progress was $25.7 million and $33.5 million at December 31, 2014 and December 31, 2013, respectively.  The decrease was 
primarily due to the completion of Phase I of Lakeland Park Center, located in Lakeland, Florida.  The cost for Lakeland Park 
Center Phase I was approximately $33.4 million, excluding initial land costs.  This decrease is offset in part by costs associated 
with the commencement of Phase II of Parkway Shops located in Jacksonville, Florida which commenced in the third quarter of 
2014, as well as by costs associated with redevelopment and expansion projects at various centers.

4. Property Acquisitions and Dispositions

Acquisitions

The following table provides a summary of our acquisitions during 2014 and 2013:

Property Name

Location

2014

Front Range Village

Fort Collins, CO

Buttermilk Towne Center

Crescent Springs (Cincinnati), KY

Woodbury Lakes

Woodbury (Minneapolis), MN

Bridgewater Falls Shopping Center

Hamilton (Cincinnati), OH

Total consolidated income producing acquisitions

The Shoppes at Fox River

Waukesha (Milwaukee), WI

Total consolidated land acquisitions

Total consolidated acquisitions

2013

Deerfield Towne Center

Mason (Cincinnati), OH

Deer Creek Shopping Center

Maplewood (St. Louis), MO

Deer Grove Centre

Mount Prospect Plaza

Palatine (Chicago), IL

Mt. Prospect (Chicago), IL

The Shoppes at Nagawaukee

Delafield, WI

Clarion Partners Portfolio -
12 Income Producing Properties

Total consolidated acquisitions

FL & MI

GLA

Acreage

Date
Acquired

Purchase
Price

Debt

(In thousands)

(In thousands)

Gross

459

278

305

504

1,546

N/A

1,546

461

208

236

301

106

2,246

3,558

N/A

N/A

2.4

N/A

2.4

9.9

9.9

12.3

N/A

N/A

N/A

N/A

N/A

09/04/14

$

128,250

$

08/22/14

07/22/14

07/10/14

09/08/14

41,900

66,200

85,542

321,892

1,216

1,216

323,108

$

$

$

$

$

$

$

$

12/19/13

$

96,500

$

11/15/13

08/26/13

06/20/13

04/18/13

23,878

20,000

36,100

22,650

—

—

—

58,634

58,634

—

—

58,634

—

—

—

—

9,253

N/A

03/25/13

367,415

149,514

$

566,543

$ 158,767

F-14

 
 
 
 
 
 
 
The total aggregate fair value of the acquisitions was allocated and is reflected in the following table in accordance with accounting 
guidance for business combinations.  At the time of acquisition, these assets and liabilities were considered Level 2 fair value 
measurements:

Land
Buildings and improvements
Above market leases
Lease origination costs
Other assets
Below market leases

Premium for above market interest rates on assumed debt

Capital lease obligation

Total purchase price allocated

December 31,

2014

2013

2012

55,618
235,322
4,775
23,343
30,883
(18,836)
(6,830)
(1,167)
323,108

(In thousands)
122,963
$
406,743
6,977
50,577
10,196
(27,216)
(3,697)
—
566,543

$

$

$

$

$

38,756
100,216
1,874
2,522
16,566
(9,974)
—

—
149,960

Total revenue and net income for the 2014 acquisitions included in our consolidated statement of operations for the year ended 
ended December 31, 2014 were $14.0 million and $0.9 million, respectively.

Unaudited Proforma Information

If  the  2014 Acquisitions  had  occurred  on  January  1,  2013,  our  consolidated  revenues  and  net  income  for  the  years  ended   
December 31, 2014 and 2013 would have been as follows:

Consolidated revenue
Consolidated net (loss) income available to common shareholders

$
$

238,868

$
(9,060) $

204,577
629

December 31,

2014

2013

F-15

 
 
 
 
Dispositions

We will classify properties as held for sale when executed purchase and sales agreement contingencies have been satisfied thereby 
signifying that the sale is legally binding. Refer to Note 1 under Real Estate  for additional information regarding the sale of 
properties. As of December 31, 2014, we did not have any properties held for sale.

The following table provides a summary of our disposition activity during 2014 and 2013.  All of the properties disposed of were 
unencumbered:

Property Name

Location

GLA

Acreage

Date Sold

(In thousands)

Gross

Sales 
Price

Gain (loss)
on Sale

(In thousands)

 N/A

 N/A

 N/A

 N/A

 N/A

3.0

1.0

0.7

0.8

5.5

5.5

 N/A

N/A

N/A

11/5/2014

$

4,300

$

10/21/2014

10/17/2014

5/28/2014

4/17/2014

12/5/2014

8/27/2014

6/13/2014

5/1/2014

15,550

3,250

1,730

7,150

288

7,082

186

123

2,343

$

31,980

$

10,022

1,568

900

680

650

371

258

215

(9)

$

$

3,798

35,778

$

$

835

10,857

12/6/2013

$

8,600

$

9/27/2013

4/9/2013

5,480

8,400

0.1

12/11/2013

$

$

22,480

104

$

$

1.0

11/21/2013

1,000

1.0

1.2

11.6

2.9

17.8

17.8

9/26/2013

5/22/2013

2/15/2013

1/24/2013

510

1,200

7,500

2,600

$

$

12,914

35,394

$

$

(74)

657

1,537

2,120

72

306

(13)

332

3,030

552

4,279

6,399

2014

Lake Orion Plaza

Northwest Crossing

Fraser Shopping Center

The Town Center at Aquia - El Gran Charro
Outparcel

Naples Town Center

Total consolidated income producing dispositions

Lake Orion, MI

Knoxville, TN

Fraser, MI

Stafford, VA

Naples, FL

Harvest Junction Land - BioLife Outparcel

Longmont, CO

Parkway Land - Wendy's Outparcel

Jacksonville, FL

Parkway Land - Express Oil Change Outparcel

Jacksonville, FL

Hartland Land - Taco Bell Outparcel

Hartland Township, MI

 Total consolidated outparcel dispositions

Total consolidated dispositions

2013

Beacon Square

Edgewood Towne Center

Mays Crossing

Grand Haven, MI

Lansing, MI

Stockbridge, GA

Total consolidated income producing dispositions

Hunter's Square - Land Parcel

Farmington Hills, MI

Parkway Phase I - Moe's Southwest Grill
Outparcel

Jacksonville, FL

Jacksonville North Industrial - The Learning
Experience Outparcel

Jacksonville, FL

Parkway Phase I - Mellow Mushroom Outparcel

Jacksonville, FL

Roseville Towne Center - Wal-Mart parcel

Roseville, MI

Parkway Phase I -  BJ's Restaurant Outparcel

Jacksonville, FL

 Total consolidated land / outparcel dispositions

Total consolidated dispositions

141

124

68

6

135

474

 N/A

 N/A

 N/A

 N/A

474

51

86

137

274

N/A

N/A

N/A

N/A

N/A

N/A

274

F-16

 
 
 
 
 
 
 
 
5. Discontinued Operations

Prior to our adoption of ASU 2014-08, as discussed in Note 2, certain disposition transactions were classified as discontinued 
operations.  A summary of the financial information for those properties classified as Discontinued Operations follows:

Total revenue
Operating income
Income (loss) from discontinued operations

6. Impairment Provisions

December 31,

2013

2012

(In thousands)
2,175
1,066
3,091

$
$
$

5,502
2,438
(79)

$
$
$

We established provisions for impairment for the following consolidated assets and unconsolidated joint venture investments:

Land available for development or sale (1)
Income producing properties marketed for sale (2)
Investments in unconsolidated joint ventures
Total

2014

$

$

23,285
4,580
—
27,865

Year Ended
December 31,
2013
(In thousands)
327
$
9,342
—
9,669

$

$

$

2012

1,387
2,915
386
4,688

(1) 

(2) 

In 2014, changes to development plans and to estimated fair values triggered an impairment provision of $23.3 million.  Refer 
to Note 1 under Accounting for the Impairment of Long-Lived Assets for a discussion of inputs used in determining the fair 
value of long-lived assets.

In  2014,  our  decision  to  market  for  potential  sale  certain  wholly-owned  income  producing  properties  resulted  in  an 
impairment provision of $4.6 million.  Refer to Note 1 under Accounting for the Impairment of Long-Lived Assets for a 
discussion of inputs used in determining the fair value of long-lived assets.

Our impairment provisions for our land available for sale and our income producing properties marketed for potential sale were 
based upon the difference between the fair value of parcels or properties and our allocated or net book basis of those parcels and 
properties.  Our estimated fair value in these investments are classified as Level 3 of the fair value hierarchy under GAAP.  Refer 
to Note 11 of the notes to the consolidated financial statements for a discussion of fair value measurements.

F-17

7. Equity Investments in Unconsolidated Joint Ventures

We have four joint venture agreements whereby we own between 7% and 30% of the equity in the joint venture.  We and the joint 
venture partners have joint approval rights for major decisions, including those regarding property operations.  We cannot make 
significant decisions without our partner’s approval.  Accordingly, we account for our interest in the joint ventures using the equity 
method.

Combined financial information of our unconsolidated joint ventures is summarized as follows:

Balance Sheets

ASSETS
Investment in real estate, net
Other assets

Total Assets

LIABILITIES AND OWNERS' EQUITY
Mortgage notes payable
Other liabilities
Owners' equity

Total Liabilities and Owners' Equity

RPT's equity investments in unconsolidated joint ventures

December 31,

2014

2013

(In thousands)

$

$

$

$

$

394,740
23,102
417,842

170,194
7,625
240,023
417,842

28,733

$

$

$

$

$

410,218
27,462
437,680

178,708
7,885
251,087
437,680

30,931

As of December 31, 2014 we had investments in the following unconsolidated entities:

Unconsolidated Entities

Ramco 450 Venture LLC

Ramco/Lion Venture LP

Other Joint Ventures

Ownership as of
December 31,

Total Assets as
of December 31,

Total Assets as
of December 31,

2014

20%

30%
(1)

2014

2013

(In thousands)

$

283,100

$

293,410

89,091

45,651

91,053

53,217

  $

417,842

$

437,680

(1) 

Includes two joint ventures in which we have a 7% ownership interest.  Each joint venture owns one property. 

F-18

 
Statements of Operations

Total revenue
Total expenses (1)
Income before other income and expenses and discontinued operations
Gain on sale of land (2) 
Interest expense
Amortization of deferred financing fees
Provision for impairment of long-lived assets
Gain on extinguishment of debt
(Loss) income from continuing operations

Discontinued operations (3)
Gain on extinguishment of debt
Gain on sale of land
Loss on sale of real estate (4)
Income from discontinued operations
(Loss) income from discontinued operations
Net (loss) income

RPT's share of earnings (loss) from unconsolidated joint ventures (5)

$

$

$

December 31,
2013

(In thousands)
42,778
$

2012

$

44,348

2014

42,442

39,096
3,346
740
(7,326)
(307)
—
529
(3,018)

29,599
13,179
—
(9,200)
(269)
—
—
3,710

—
—
—
—
—
(3,018) $

—
—
(21,512)
1,015
(20,497)
(16,787) $

75

$

(4,759) $

29,036
15,312
169
(11,725)
(304)
(7,622)
275
(3,895)

736
624
(61)
4,055
5,354
1,459

3,646

(1)  The  increase  in  2014  from  prior  years  is  due  to  the  demolition  of  a  portion  of  a  center  for  redevelopment  and  the  acceleration  of 

depreciation.

(2)  The 2014 gain on sale relates to a joint venture property that was sold in 2011 and additional proceeds were received in June 2014.  Our 

share of the gain was approximately $0.4 million.

(3)  Beginning in the first quarter of 2014 discontinued operations reflects results of operations for those properties classified as discontinued 

operations as of December 31, 2013. 
(4) 
In March, 2013 Ramco/Lion Venture LP sold 12 shopping centers to us resulting in a loss on the sale of $21.5 million to the joint venture.
(5)  For the year ended December 31, 2012, our pro-rata share excludes $0.4 million in costs associated with the liquidation of two joint 
ventures concurrent with the extinguishment of their debt.  The costs are reflected in earnings (loss) from unconsolidated joint ventures 
on our consolidated statement of operations.

Acquisitions

There were no acquisitions of shopping centers in 2014 and 2013 by any of our unconsolidated joint ventures.

Dispositions

There were no dispositions of shopping centers in 2014.  The following table provides a summary of our unconsolidated joint 
venture property disposition activity during 2013:

Property Name

Location

GLA

Acreage

Date Sold

Gross

Ownership
%

Sales Price
(at 100%)

Debt 
Repaid

Loss on 
Sale 
(at 100%)

(In thousands)

2013
Clarion Partners Portfolio
Total 2013 unconsolidated joint venture's
dispositions

FL & MI

2,246

2,246

N/A

3/25/2013

20% $ 367,415

$ 149,514

$ (21,512)

$ 367,415

$ 149,514

$ (21,512)

F-19

Debt

Our unconsolidated entities had the following debt outstanding at December 31, 2014:

Entity Name

Ramco 450 Venture LLC  (1)
Ramco/Lion Venture LP (2)

Unamortized discount
Total mortgage debt

Balance
Outstanding
(In thousands)

$

$

140,308

29,981
170,289
(95)
170,194

(1)  Maturities range from December 2015 to September 2023 with interest rates ranging from 1.9% to 5.8%.
(2)  Balance relates to Millennium Park's mortgage loan which has a maturity date of October 2015 with a 5% interest rate.

On March 31, 2014, Ramco 191, LLC, in which our ownership interest was 20%, completed the conveyance of its ownership 
interest in its sole remaining shopping center to the noteholder in lieu of repayment of a non-recourse loan in the amount of $7.5 
million of which our share was $1.5 million.  

Joint Venture Management and Other Fee Income

We are engaged by certain of our joint ventures to provide asset management, property management, leasing and investing services 
for such venture’s respective properties.  We receive fees for our services, including property management fees calculated as a 
percentage of gross revenues received and recognize these fees as the services are rendered.

The following table provides information for our fees earned which are reported in our consolidated statements of operations:

Management fees
Leasing fees
Acquisition/disposition fees
Construction fees
Total

2014

1,514
315
—
230
2,059

$

$

December 31,
2013
(In thousands)
1,875
$
390
—
61
2,326

$

$

$

2012

2,564
1,026
16
318
3,924

F-20

8. Other Assets, Net

Other assets consisted of the following:

Deferred leasing costs, net
Deferred financing costs, net
Lease intangible assets, net
Straight-line rent receivable, net
Cash flow hedge marked-to-market asset
Prepaid and other deferred expenses, net
Other, net (1)
Other assets, net

December 31,

2014

2013

(In thousands)

$

$

33,557
6,598
77,045
15,805
537
7,054
28,045
168,641

$

$

26,617
6,513
69,635
15,115
2,244
4,629
3,768
128,521

(1)  Includes the fair value of in-place public improvement fee of approximately $17.3 million and real estate tax exemption agreement of 

approximately $6.0 million associated with two properties acquired in 2014. 

Gross  intangible  assets  of  $110.3  million,  attributable  to  lease  origination  costs  and    above  market  leases,  have  a  remaining 
weighted-average amortization period of 4.6 years as of December 31, 2014.  

Intangible assets attributable to lease origination costs and for above-market leases are being amortized over the lives of the 
applicable lease.  Amortization of lease origination costs is an increase to amortization expense and amortization of above-market 
leases is a reduction to minimum rent revenue over the applicable terms of the respective leases.  Amortization of the above market 
lease asset resulted in a reduction of revenue of approximately $2.7 million, $2.1 million, and $0.8 million for the years ended 
December 31, 2014, 2013, and 2012, respectively.

Straight-line rent receivables are recorded net of allowances of $4.3 and $3.8 million at December 31, 2014 and 2013, respectively.

The following table represents estimated aggregate amortization expense related to other assets as of December 31, 2014:

Year Ending December 31,

2014
2015
2016
2017
2018
Thereafter
         Total (1)

(In thousands)
27,217
21,452
15,304
12,136
9,725
54,417
140,251

$

$

(1) Excludes straight-line rent receivable, prepaid and other deferred expenses, cash flow hedge, goodwill, and deferred leasing 
costs for assets not yet placed into service of $15.8 million, $7.1 million, $0.5 million, $2.1 million, and $2.9 million, respectively.

F-21

 
 
 
 
 
9. Debt

The following table summarizes our mortgages and notes payable and capital lease obligation as of December 31, 2014 and 2013:

Senior unsecured notes
Unsecured term loan facilities
Fixed rate mortgages
Unsecured revolving credit facility
Junior subordinated notes

Unamortized premium

Capital lease obligation

December 31,

2014

2013

(In thousands)

310,000
210,000
354,714
10,000
28,125
912,839
8,866
921,705

1,828

$

$

$

110,000
255,000
329,875
27,000
28,125
750,000
3,174
753,174

5,686

$

$

$

Mortgages and unsecured notes payable

We completed the following financing transactions during 2014:

• 

In May 2014, we completed a $100.0 million private placement of senior unsecured notes consisting of $50.0 million of 
notes with a ten-year term with a fixed interest rate of 4.65% and $50.0 million of notes with a twelve-year term at a 
fixed interest rate of 4.74%.  A "shelf" facility allows for an additional $50.0 million in notes to the same purchaser within 
the next three years, subject to approval, pricing and documentation;

•  Also in May 2014, we closed a $75.0 million senior unsecured term loan with an additional $75.0 million accordion 
feature.  The loan has a seven-year term and bears interest at an annual rate of LIBOR plus 1.25% to 2.25% (initially 
1.7%) depending upon our leverage or credit rating.  The interest expense is hedged with an existing interest rate swap 
expiring in April 2016, resulting in an effective fixed initial annual rate of 2.9%.  The combined proceeds from the May 
2014 financings were used to repay $45.0 million of variable-rate bank term debt due 2017, $75.0 million of bank term 
debt also due in 2017, the $45.0 million balance on our unsecured revolving line of credit, as well as for general corporate 
purposes; and

• 

In November 2014, we completed a $100.0 million private placement of senior unsecured notes consisting of $50.0 
million of notes with a ten-year term priced at a fixed interest rate of 4.16% and $50.0 million of notes with a twelve-
year term priced at a fixed interest rate of 4.3%. 

During 2014 we had the following mortgage transactions:

• 

In conjunction with our acquisition of Bridgewater Falls, we assumed a mortgage loan with a $58.6 million principal 
balance outstanding and an interest rate of 5.7%.  We recorded a premium of approximately $6.8 million based upon the 
fair value of the loan on the date it was assumed.  This mortgage premium is being amortized to interest expense over 
the remaining life of the loan; and 

•  We repaid mortgages securing the following properties:

The Auburn Mile mortgage in the amount of $6.6 million with an interest rate of 5.4%; and
Crossroads Centre mortgage in the amount of $23.2 million with an interest rate of 5.4%.

Our $354.7 million of fixed rate mortgages have interest rates ranging from 5.0% to 7.4% and are due at various maturity dates 
from May 2014 through June 2026.  The fixed rate mortgage notes are secured by mortgages on properties that have an approximate 
net book value of $368.7 million as of December 31, 2014.

We have no mortgage maturities until the second half of 2015 and it is our intent to repay these mortgages using cash, borrowings 
under our unsecured line of credit, or other sources of financing.

F-22

 
 
The mortgage loans encumbering our properties, including properties held by our unconsolidated joint ventures, are generally 
nonrecourse, subject to certain exceptions for which we would be liable for any resulting losses incurred by the lender.  These 
exceptions vary from loan to loan but generally include fraud or a material misrepresentation, misstatement or omission by the 
borrower, intentional or grossly negligent conduct by the borrower that harms the property or results in a loss to the lender, filing 
of a bankruptcy petition by the borrower, either directly or indirectly and certain environmental liabilities.  In addition, upon the 
occurrence of certain events, such as fraud or filing of a bankruptcy petition by the borrower, we or our joint ventures would be 
liable for the entire outstanding balance of the loan, all interest accrued thereon and certain other costs, including penalties and 
expenses.

We have entered into mortgage loans which are secured by multiple properties and contain cross-collateralization and cross-default 
provisions.  Cross-collateralization provisions allow a lender to foreclose on multiple properties in the event that we default under 
the loan.  Cross-default provisions allow a lender to foreclose on the related property in the event a default is declared under 
another loan.

Capital lease

At December 31, 2014 we had a capital ground lease at our Gaines Marketplace shopping center.  In addition we have a capital 
lease at our Buttermilk Towne Center with the City of Crescent Springs, Kentucky. Total amounts expensed as interest relating to 
these leases was $0.2 million, $0.3 million and $0.4 million for each of the years ended December 31, 2014, 2013, and 2012 
respectively.

The following table presents scheduled principal payments on mortgages and notes payable and capital lease payments as of 
December 31, 2014:

Year Ending December 31,

2015 (1)
2016
2017
2018 (2)
2019
Thereafter
Subtotal debt
Unamortized mortgage premium
Amounts representing interest

Total

Mortgage
Principal
Payments

Capital
Lease
Payments

(In thousands)

$

$
$

86,117
23,619
113,196
95,275
6,278
588,354
912,839
8,866
—
921,705

$

$

813
100
100
100
100
1,300
2,513
—
(685)
1,828

(1)  Amount includes payment of approximately $0.7 million to exercise an option for us to purchase the land at Gaines Marketplace.
(2) 

Scheduled maturities in 2018 include the $10.0 million balance on the unsecured revolving credit facility drawn as of December 31, 2014.

Revolving Credit Facility

In October 2014 we closed an amendment to our Master Loan Agreement which increased our revolving credit facility to $350.0 
million  (from  $240.0  million),  extended  the  maturity  to  October  2018  and  modified  interest  rates.    During  2014  we  had  net 
repayments of $17.0 million on our revolving credit facility and had outstanding letters of credit issued under our revolving credit 
facility,  not  reflected  in  the  accompanying  consolidated  balance  sheets,  totaling  $4.1  million.  These  letters  of  credit  reduce 
borrowing availability under our bank facility.  As of December 31, 2014, $335.9 million was available to be drawn on our $350 
million unsecured revolving credit facility subject to certain covenants.

The revolving credit and term loan facilities contain financial covenants relating to total leverage, fixed charge coverage ratio, 
tangible net worth and various other calculations.  As of December 31, 2014, we were in compliance with these covenants.

Junior Subordinated Notes

Our junior subordinated notes have a variable rate of LIBOR plus 3.30%.  The maturity date is January 2038.

F-23

 
10. Other Liabilities, net

Other liabilities consist of the following:

Lease intangible liabilities, net
Cash flow hedge marked-to-market liability
Deferred liabilities
Tenant security deposits
Other, net
Other liabilities, net

December 31,

2014

2013

(In thousands)

$

$

54,278
2,705
3,882
3,239
280
64,384

$

$

40,386
2,297
2,637
2,940
333
48,593

The increase in other liabilities was primarily due to the acquisitions that were completed in 2014 and the allocation of a portion 
of the purchase price to lease intangible liabilities.  The lease intangible liability relates to below-market leases that are being 
accreted over the applicable terms of the acquired leases, which resulted in an increase of revenue of $4.9 million, $3.1 million, 
and $1.0 million for the years ended December 31, 2014, 2013 and 2012, respectively.

11.  Fair Value

We utilize fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value 
disclosures.  Derivative instruments (interest rate swaps) are recorded at fair value on a recurring basis. Additionally, we, from 
time to time, may be required to record other assets at fair value on a nonrecurring basis.  As a basis for considering market 
participant assumptions in fair value measurements, GAAP establishes three fair value levels, based on the markets in which the 
assets and liabilities are traded and the reliability of the assumptions used to determine fair value.  The assessed inputs used in 
determining any fair value measurement could result in incorrect valuations that could be material to our consolidated financial 
statements. These levels are:

Level 1 

Valuation is based upon quoted prices for identical instruments traded in active markets.

Level 2 

Level 3 

Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar 
instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions 
are observable in the market.

Valuation is generated from model-based techniques that use at least one significant assumption not observable in 
the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in 
pricing the asset or liability.

The following is a description of valuation methodologies used for our assets and liabilities recorded at fair value.

Derivative Assets and Liabilities

All  of  our  derivative  instruments  are  interest  rate  swaps  for  which  quoted  market  prices  are  not  readily  available.  For  those 
derivatives, we measure fair value on a recurring basis using valuation models that use primarily market observable inputs, such 
as yield curves.  We classify derivative instruments as Level 2.  Refer to Note 12 for additional information on our derivative 
financial instruments.

F-24

 
The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis as of December 31, 
2014 and 2013.

2014

Balance Sheet location

Total Fair
Value

Level 1

Level 2

Level 3

(In thousands)

Derivative assets - interest rate swaps

Other assets

Derivative liabilities - interest rate swaps
2013

Other liabilities

Derivative assets - interest rate swaps
Derivative liabilities - interest rate swaps

Other assets
Other liabilities

$

$

$
$

$
537
(2,705) $

— $

— $

$
537
(2,705) $

$
2,244
(2,297) $

— $
— $

$
2,244
(2,297) $

—

—

—
—

The carrying values of cash and cash equivalents, restricted cash, receivables and accounts payable and accrued liabilities are 
reasonable estimates of their fair values because of the short maturity of these financial instruments.

We estimated the fair value of our debt based on our incremental borrowing rates for similar types of borrowing arrangements 
with the same remaining maturity and on the discounted estimated future cash payments to be made for other debt.  The discount 
rates used approximate current lending rates for loans or groups of loans with similar maturities and credit quality, assumes the 
debt is outstanding through maturity and considers the debt’s collateral (if applicable).  Since such amounts are estimates that are 
based on limited available market information for similar transactions, there can be no assurance that the disclosed value of any 
financial instrument could be realized by immediate settlement of the instrument.  Fixed rate debt (including variable rate debt 
swapped to fixed through derivatives) with carrying values of $874.7 million and $649.9 million as of December 31, 2014 and 
2013, respectively, have fair values of approximately $900.9 million and $650.9 million, respectively.  Variable rate debt’s fair 
value is estimated to be the carrying values of $38.1 million and $100.1 million as of December 31, 2014 and 2013, respectively.  
We classify our debt as Level 2.

Net Real Estate

Our net real estate, including any identifiable intangible assets, is subject to impairment testing on a nonrecurring basis.  To estimate 
fair value, we use discounted cash flow models that include assumptions of the discount rates that market participants would use 
in pricing the asset. To the extent impairment has occurred, we charge to expense the excess of the carrying value of the property 
over its estimated fair value.  We classify impaired real estate assets as nonrecurring Level 3.

The  table  below  presents  the  recorded  amount  of  assets  at  the  time  they  were  marked  to  fair  value  during  the  years  ended 
December 31, 2014 and 2013 on a nonrecurring basis. We did not have any material liabilities that were required to be measured 
at fair value on a nonrecurring basis during the years ended December 31, 2014 and 2013.

Assets

2014
Income producing properties
Land available for sale
Total
2013
Income producing properties
Land available for sale
Total

Total Fair
Value

Level 1

Level 2
(In thousands)

Level 3

Total 
Impairment

$

$

$

$

28,754
13,972
42,726

26,520
5,568
32,088

$

$

$

$

— $
—
— $

— $
—
— $

— $
—
— $

— $
—
— $

28,754
13,972
42,726

26,520
5,568
32,088

$

$

$

$

(4,580)
(23,285)
(27,865)

(9,342)
(327)
(9,669)

Equity Investments in Unconsolidated Entities

Our equity investments in unconsolidated joint venture entities are subject to impairment testing on a nonrecurring basis if a decline 
in the fair value of the investment below the carrying amount is determined to be a decline that is other-than-temporary.  To estimate 
the fair value of properties held by unconsolidated entities, we use cash flow models, discount rates, and capitalization rates based 

F-25

 
 
 
 
 
 
 
 
 
 
 
 
upon assumptions of the rates that market participants would use in pricing the asset.  To the extent other-than-temporary impairment 
has occurred, we charge to expense the excess of the carrying value of the equity investment over its estimated fair value.  We 
classify other-than-temporarily impaired equity investments in unconsolidated entities as nonrecurring Level 3.

12.  Derivative Financial Instruments

We utilize interest rate swap agreements for risk management purposes to reduce the impact of changes in interest rates on our 
variable rate debt.  On the date we enter into an interest rate swap, the derivative is designated as a hedge against the variability 
of cash flows that are to be paid in connection with a recognized liability.  Subsequent changes in the fair value of a derivative 
designated as a cash flow hedge that is determined to be highly effective are recorded in other comprehensive income (“OCI”) 
until earnings are affected by the variability of cash flows of the hedged transaction. The differential between fixed and variable 
rates to be paid or received is accrued, as interest rates change, and recognized currently as interest expense in our consolidated 
statements of operations.  We assess effectiveness of our cash flow hedges both at inception and on an ongoing basis.  Our cash 
flow hedges become ineffective if critical terms of the hedging instrument and the debt do not perfectly match such as notional 
amounts, settlement dates, reset dates, calculation period and LIBOR rate.

At December 31, 2014, we had seven interest rate swap agreements in effect for an aggregate notional amount of $210.0 million 
that were designated as cash flow hedges.  The agreements provide for swapping one-month LIBOR interest rates ranging from 
1.2% to 2.2% on $210.0 million of unsecured term loans, and have expirations ranging from April 2016 to May 2020.

The following table summarizes the notional values and fair values of our derivative financial instruments as of December 31, 
2014:

Underlying Debt

Hedge 
Type

Notional
Value

(In thousands)

Fixed
Rate

Fair
Value

Expiration
Date

(In thousands)

Derivative Assets
Unsecured term loan facility

Cash Flow

Derivative Liabilities
Unsecured term loan facility
Unsecured term loan facility
Unsecured term loan facility
Unsecured term loan facility
Unsecured term loan facility
Unsecured term loan facility

Cash Flow
Cash Flow
Cash Flow
Cash Flow
Cash Flow
Cash Flow

$
$

$

$

50,000
50,000

1.4600% $
$

537
537

05/2020

75,000
30,000
25,000
5,000
15,000
10,000
160,000

1.2175% $
2.0480%
1.8500%
1.8400%
2.1500%
2.1500%

  $

(749)
(772)
(469)
(250)
(90)
(375)
(2,705)

04/2016
10/2018
10/2018
10/2018
05/2020
05/2020

The effect of derivative financial instruments on our consolidated statements of operations for the year ended December 31, 2014 
and 2013 is summarized as follows:

Amount of Gain (Loss)
Recognized in OCI on
Derivative
(Effective Portion)

Year Ended December 31,

2014

2013

(In thousands)

Location of Loss
Reclassified from
Accumulated OCI
into Income
(Effective Portion)

$

$

(1,707) $

2,244

Interest Expense

(408)

3,276

Interest Expense

(2,115) $

5,520 Total

Amount of Loss Reclassified 
from
Accumulated OCI into
Income (Effective Portion)

Year Ended December 31,

2014

2013

(In thousands)

(661) $

(2,404)
(3,065) $

(424)
(1,847)
(2,271)

$

$

Derivatives in Cash Flow Hedging
Relationship
Interest rate contracts - assets

Interest rate contracts - liabilities

Total

F-26

 
 
 
13. Leases

Revenues

Approximate  future  minimum  revenues  from  rentals  under  non-cancelable  operating  leases  in  effect  at  December 31,  2014, 
assuming no new or renegotiated leases or option extensions on lease agreements and no early lease terminations were as follows:

Year Ending December 31,

2015
2016
2017
2018
2019
Thereafter

Total

Expenses

(In thousands)
168,855
$
154,060
129,156
111,991
95,029
378,131
1,037,222

$

We have an operating lease for our corporate headquarters in Michigan for a term expiring in 2019.  We also have an operating 
lease adjacent to our former Taylors Square shopping center.   We recognized rent expense of $0.6 million for the year ended 
December 31, 2014 and $0.7 million for each of the years ended December 31, 2013 and 2012.  Approximate future rental payments 
under our non-cancelable leases, assuming no option extensions are as follows:

Year Ending December 31,

2015
2016
2017
2018
2019
Thereafter

Total

(In thousands)
648
$
657
666
675
466
607
3,719

$

F-27

 
 
14. Earnings per Common Share

The following table sets forth the computation of basic earnings per share (“EPS”):

(Loss) income from continuing operations
Net loss (income) from continuing operations attributable to noncontrolling interest
Preferred share dividends
Allocation of continuing (income) loss to restricted share awards
(Loss) income from continuing operations attributable to RPT
Income (loss) from discontinued operations
Net (income) loss from discontinued operations attributable to noncontrolling interest
Allocation of discontinued (income) loss to restricted share awards
Income (loss) from discontinued operations attributable to RPT
Net (loss) income available to common shareholders

Weighted average shares outstanding, Basic

(Loss) earnings per common share, Basic
Continuing operations
Discontinued operations

The following table sets forth the computation of diluted EPS:

(Loss) income from continuing operations
Net loss (income) from continuing operations attributable to noncontrolling interest
Preferred share dividends
Allocation of continuing (income) loss to restricted share awards
Allocation of over distributed continuing income to restricted share awards
(Loss) income from continuing operations attributable to RPT
Income (loss) from discontinued operations
Net (income) loss from discontinued operations attributable to noncontrolling interest
Income (loss) from discontinued operations attributable to RPT
Net (loss) income available to common shareholders

Weighted average shares outstanding, Basic
Stock options and restricted share awards using the treasury method (1)
Dilutive effect of securities (2)
Weighted average shares outstanding, Diluted

(Loss) earnings per common share, Diluted
Continuing operations
Discontinued operations

Year Ended December 31,
2014
2012
2013
(In thousands, except per share data)

(2,412) $
48
(7,250)
(180)
(9,794) $
—
—
—
—
(9,794) $

8,371
(355)
(7,250)
(102)
664
3,091
(110)
(20)
2,961
3,625

72,118

59,336

(0.14) $
—
(0.14) $

0.01
0.05
0.06

$

$

$

$

$

7,171
87
(7,250)
29
37
(79)
25
1
(53)
(16)

44,101

—
—
—

Year Ended December 31,
2014
2012
2013
(In thousands, except per share data)

(2,412) $
48
(7,250)
(180)
—
(9,794) $
—
—
—
(9,794) $

72,118
—
—
72,118

$

$

$

8,371
(355)
(7,250)
(102)
—
664
3,091
(110)
2,981
3,645

59,336
392
—
59,728

7,171
87
(7,250)
29
(23)
14
(79)
25
(54)
(40)

44,101
—
—
44,101

(0.14) $
—
(0.14) $

0.01
0.05
0.06

$

$

—
—
—

$

$

$

$

$

$

$

$

$

$

(1)  For the year ended December 31, 2013 stock options and restricted stock awards are anti-dilutive and accordingly, have 

been excluded from the weighted average common shares used to compute diluted EPS.

(2)  The assumed conversion of preferred shares are anti-dilutive for all periods presented and accordingly, have been excluded 

from the weighted average common shares used to compute diluted EPS.

F-28

 
 
 
15. Shareholders’ Equity

Underwritten public offerings

In August 2014 we completed an underwritten public offering of 6.9 million newly issued common shares of beneficial interest 
at $16.44 per share which included 0.9 million common shares sold in connection with the full exercise of the underwriters' option 
to purchase additional shares.  Our total net proceeds, after deducting expenses, were approximately $108.7 million.

During 2013, we completed two separate underwritten public offerings of newly issued common shares of beneficial interest, 
specifically:

•  On November 13, 2013,  we issued 4.5 million shares at $15.90 per share.  Our total net proceeds, after deducting expenses, 

were approximately $70.4 million; and 

•  On March 18, 2013, we issued 8.05 million shares at $15.55 per share.  Our total net proceeds, after deducting expenses, 

were approximately $122.2 million.

Controlled equity offerings

In 2014, through our controlled equity offering we issued 3.8 million common shares, at an average share price of $16.50, and 
received approximately $61.7 million in net proceeds, after sales commissions and fees of $0.9 million.

In 2013, we issued 5.4 million common shares through our controlled equity offerings generating approximately $81.7 million in 
net proceeds, after sales commissions and fees of $1.2 million.  The average share price in 2013 was $15.10 per share. 

Our controlled equity offerings were issued under offerings registered in 2013 whereby we may sell up to 8.0 million common 
shares of beneficial interest.  As of December 31, 2014 we had 4.0 million shares available for issuance.  

We have a dividend reinvestment plan that allows for participating shareholders to have their dividend distributions automatically 
invested in additional shares of beneficial interest based on the average price of the shares acquired for the distribution.

16.  Share-Based Compensation and Other Benefit Plans

Incentive and Stock Option Plans

As of December 31, 2014 we have one share-based compensation plan in effect, the 2012 Omnibus Long-Term Incentive Plan 
(“2012 LTIP”).  Under the plan our compensation committee may grant, subject to the Company’s performance conditions as 
specified by the compensation committee, restricted shares, restricted share units, options and other awards for up to 2 million of 
our common shares, units or stock options, of which 1.7 million is available for issuance as of December 31, 2014.

The following share-based compensation plans have been terminated, except with respect to awards outstanding under each plan:

•  The 2009 Omnibus Long-Term Incentive Plan ("2009 LTIP") which allowed for the grant of restricted shares, restricted 

share units, options and other awards to trustees, officers and other key employees;

•  The 2008 Restricted Share Plan for Non-Employee Trustees (the "Trustees' Plan") which allowed for the grant of 

• 

• 

restricted shares to non-employee trustees of the Company;
2003 LTIP - allowed for the grant of stock options to our executive officers and employees.  As of December 31, 2014, 
there were 127,248 options exercisable; and
2003 Non-Employee Trustee Stock Option Plan – this plan provided for the annual grant of options to purchase our 
shares to our non-employee trustees.  As of December 31, 2014, there were 28,000 options exercisable.

We recognized total share-based compensation expense of $4.6 million, $3.6 million, and $2.6 million for 2014, 2013, and 2012, 
respectively.

Restricted Stock Share-Based Compensation

Beginning in 2012 the compensation committee determined that the LTIP award would consist of 50% service based restricted 
shares and 50% performance-based cash awards.  The service-based restricted share awards include a five year vesting period and 

F-29

the compensation expense is recognized on a graded vesting basis  We recognized expense related to restricted share grants of 
$2.1 million, $2.1 million and $2.2 million during the years ended December 31, 2014 , 2013, and 2012, respectively.

The performance shares are earned subject to a future performance measurement based on a three-year shareholder return peer 
comparison (the “TSR Grants”).  If the performance criterion is met the actual value of the grant earned will be determined and 
50% of the award will be paid in cash immediately while the balance will be paid in cash the following year.

Pursuant  to ASC  718  –  Stock  Compensation,  we  determine  the  grant  date  fair  value  of TSR  Grants,  and  any  subsequent  re-
measurements, based upon a Monte Carlo simulation model.  We recognize the compensation expense ratably over the requisite 
service period and we are required to re-value the performance cash awards at the end of each quarter.  We use the same methodology 
as was used at the initial grant date and adjust the compensation expense accordingly.  If it is determined that the performance 
criteria will not be met, compensation expense previously recognized would be reversed.  We recognized compensation expense 
of $2.5 million, $1.5 million and $0.4 million related to the cash awards during the year ended December 31, 2014, 2013 and 
2012, respectively.

A summary of the activity of service based restricted shares under the LTIP for the years ended December 31, 2014, 2013 and 
2012 is presented below:

Outstanding, beginning of the year

Granted

Vested

Forfeited or expired

Outstanding, end of the year

2014

2013

2012

Number of
Shares
375,813

$

286,954

(281,851)

(15,392)

365,524

Weighted-
Average
Grant Date
Fair Value

13.71

16.70

12.69

14.69

14.92

Number of
Shares
286,306

$

293,732
(197,014)
(7,211)
375,813

Weighted-
Average
Grant Date
Fair Value

11.83

15.68

10.07

13.38

13.71

Number of
Shares
229,722

$

135,223
(68,683)
(9,956)
286,306

Weighted-
Average
Grant Date
Fair Value

12.40

11.30

11.47

11.95

11.83

As of December 31, 2014 there was approximately $4.6 million of total unrecognized compensation cost related to non-vested 
restricted share awards granted under our various share-based plans that we expect to recognize over a weighted average period 
of 4.2 years.

Stock Option Share-Based Compensation

We recognized approximately $0.1 million of expense related to options during the year ended December 31, 2012.  The fair values 
of each option granted used in determining the share-based compensation expense is estimated on the date of grant using the 
Black-Scholes option-pricing model.  This model incorporates certain assumptions for inputs including risk-free rates, expected 
dividend yield of the underlying common shares, expected option life and expected volatility.

No options were granted under the LTIP in the years ended December 31, 2014, 2013 and 2012.

F-30

The following table reflects the stock option activity for all plans described above:

Outstanding, beginning of the year

Granted

Exercised

Forfeited or expired

Outstanding, end of the year

Exercisable, end of the year

2014

2013

2012

Shares
Under
Option
190,993

Weighted-
Average
Exercise Price
30.34
$

Shares
Under
Option
227,743

Weighted-
Average
Exercise Price
27.81
$

Shares
Under
Option
272,201

Weighted-
Average
Exercise Price
25.98
$

—

—

(35,745)

155,248

155,248

$

$

—

—

27.73

30.94

—
(25,000)
(11,750)
190,993

30.94

190,993

$

$

9.61

25.34

30.34

—
(25,000)
(19,458)
227,743

30.34

202,743

$

$

—

9.61

25.65

27.81

30.05

The following tables summarize information about options outstanding at December 31, 2014:

Range of Exercise Price

Outstanding

Options Outstanding

Weighted-
Average
Remaining
Contractual Life

Options Exercisable

Weighted-
Average
Exercise Price

Exercisable

Weighted-
Average
Exercise Price

23.77 - $27.96

28.80 - $29.06

34.30 - $36.50

40,878

46,430

67,940

155,248

1.5

2.0

3.2

2.4

$

$

27.00

29.02

34.62

30.94

40,878

$

46,430

67,940

155,248

$

27.00

29.02

34.62

30.94

We received cash of approximately $0.2 million from options exercised during each of the years ended December 31, 2013 and 
2012.  The impact of the cash receipt is included in financing activities in the accompanying consolidated statements of cash flows.  

17.  Taxes

Income Taxes

We conduct our operations with the intent of meeting the requirements applicable to a REIT under sections 856 through 860 of 
the Internal Revenue Code.  In order to maintain our qualification as a REIT, we are required to distribute annually at least 90% 
of our REIT taxable income, excluding net capital gain, to our shareholders. As long as we qualify as a REIT, we will generally 
not be liable for federal corporate income taxes.

Certain  of  our  operations,  including  property  management  and  asset  management,  as  well  as  ownership  of  certain  land,  are 
conducted through our TRSs which allows us to provide certain services and conduct certain activities that are not generally 
considered as qualifying REIT activities.

Deferred tax assets and liabilities reflect the impact of temporary differences between the amounts of assets and liabilities for 
financial reporting purposes and the bases of such assets and liabilities as measured by tax laws. Deferred tax assets are reduced 
by a valuation allowance to the amount where realization is more likely than not assured after considering all available evidence, 
including expected taxable earnings and potential tax planning strategies. Our temporary differences primarily relate to deferred 
compensation, depreciation and net operating loss carryforwards.

As of December 31, 2014, we had a federal and state deferred tax asset of $0.2 million, net of a valuation allowance of $10.9 
million.  We believe that it is more likely than not that the results of future operations will generate sufficient taxable income to 
recognize the net deferred tax assets. These future operations are primarily dependent upon the profitability of our TRSs, the timing 
and amounts of gains on land sales, and other factors affecting the results of operations of the TRSs.  The valuation allowances 
relate to net operating loss carryforwards and tax basis differences where there is uncertainty regarding their realizability.

F-31

During the years ended December 31, 2014 and 2013, we recorded an income tax provision of approximately $54,000 and  $64,000, 
respectively.

We had no unrecognized tax benefits as of or during the three year period ended December 31, 2014.  We expect no significant 
increases or decreases in unrecognized tax benefits due to changes in tax positions within one year of December 31, 2014.  No 
material  interest  or  penalties  relating  to  income  taxes  were  recognized  in  the  statement  of  operations  for  the  years  ended 
December 31, 2014, 2013, and 2012 or in the consolidated balance sheets as of December 31, 2014, 2013, and 2012.  It is our 
accounting policy to classify interest and penalties relating to unrecognized tax benefits as tax expense.  As of December 31, 2014, 
returns for the calendar years 2011 through 2014 remain subject to examination by the Internal Revenue Service (“IRS”) and 
various state and local tax jurisdictions.  As of December 31, 2014, certain returns for calendar year 2010 also remain subject to 
examination by various state and local tax jurisdictions.

Sales Tax

We collect various taxes from tenants and remit these amounts, on a net basis, to the applicable taxing authorities.

18.  Commitments and Contingencies

Construction Costs

In connection with the development and expansion of various shopping centers as of December 31, 2014, we had entered into 
agreements for construction costs of approximately $10.1 million.

Litigation

We are currently involved in certain litigation arising in the ordinary course of business.

Environmental Matters

We are subject  to numerous  federal,  state and local  environmental  laws,  ordinances  and regulations  in the areas  where  we 
own or operate properties. We are not aware of any contamination which may have been caused by us or any of our tenants that 
would have a material effect on our consolidated financial statements.

As part of our risk management activities, we have applied and been accepted into state sponsored environmental programs which 
will  expedite  and  assure  satisfactory  compliance  with  environmental  laws  and  regulations  should  contaminants  need  to  be 
remediated. We also have an environmental insurance policy that covers us against third party liabilities and remediation costs.

While we believe that we do not have any material exposure to environmental remediation costs, we cannot give absolute assurance 
that changes in the law or new discoveries of contamination will not result in additional liabilities to us.

19.  Subsequent Events

We have evaluated subsequent events through the date that the consolidated financial statements were issued.

In February 2015 we finalized the purchase of land subject to the ground lease at Gaines Marketplace and sold a portion to the 
shadow anchor tenant.  Net proceeds to us were approximately $3.4 million.

F-32

20.  Selected Quarterly Financial Data (Unaudited)

The following table sets forth summarized quarterly financial data for the year ended December 31, 2014:

Total revenue

Operating income (loss)

Net income (loss) attributable to RPT

Net income (loss) available to common shareholders
Earnings (loss) per common share, basic: (1)
Earnings (loss) per common share, diluted:(1)

Quarters Ended 2014

March 31

June 30

September 30

December 31

(In thousands, except per share amounts)

$

$

$

$

$

$

50,133

12,403

2,761

860

0.01

0.01

$

$

$

$

$

$

49,930

6,732

1,120

$

$

$

(727) $

(0.01) $

(0.01) $

55,143

14,782

6,263

4,270

0.06

0.06

$

$

$

$

$

$

63,157

(10,587)

(12,556)

(14,017)

(0.18)

(0.18)

(1) 

EPS amounts are based on weighted average common shares outstanding during the quarter and, therefore, may not agree with the EPS calculated for 
the year ended December 31, 2014.

The following table sets forth summarized quarterly financial data for the year ended December 31, 2013:

Total revenue

Operating income (loss)

Income (loss) from continuing operations

Income from discontinued operations

Net income (loss) attributable to RPT

Net income (loss) available to common shareholders
Earnings (loss) per common share, basic: (2)
Earnings (loss) per common share, diluted:(2)

Quarters Ended 2013

March 31 (1)

June 30 (1)

September 30 (1)
(In thousands, except per share amounts)

December 31 (1)

$

$

$

$

$

$

$

$

33,938

8,230

4,827

447

5,274

3,237

0.06

0.06

$

$

$

$

$

$

$

$

42,703

11,310

4,093

1,689

5,782

3,761

0.06

0.06

$

$

$

$

$

$

$

$

45,411

13,110

4,816

899

5,715

3,701

0.06

0.06

$

$

$

$

$

$

$

$

48,016

12,479

(5,365)

56

(5,309)

(6,952)

(0.11)

(0.11)

(1) 

(2) 

Amounts are reclassified to reflect the reporting of discontinued operations.
EPS amounts are based on weighted average common shares outstanding during the quarter and, therefore, may not agree with the EPS calculated for 
the year ended December 31, 2013.

F-33

Property

Auburn Mile

Bridgewater Falls

Buttermilk Towne Center

Central Plaza

Centre at Woodstock

Clinton Pointe

Clinton Valley

Cocoa Commons

Conyers Crossing

Coral Creek Shops

Crossroads Centre

Cypress Point

Deer Creek Shopping Center

Deer Grove Centre

Deerfield Towne Center

East Town Plaza

Fairlane Meadows

Front Range Village

Gaines Marketplace

Harvest Junction North

Harvest Junction South

Heritage Place

Holcomb Center

Hoover Eleven

Horizon Village

Hunters Square

Jackson Crossing

Jackson West

Lakeland Park Center

Lakeshore Marketplace

Liberty Square

Livonia Plaza

Marketplace of Delray

Merchants' Square

RAMCO-GERSHENSON PROPERTIES TRUST
SCHEDULE III
SUMMARY OF REAL ESTATE AND ACCUMULATED DEPRECIATION
December 31, 2014 

(in thousands of dollars)

INITIAL COST
TO COMPANY

Location

Encumbrances

Land

Building &
Improvements

Capitalized
Subsequent to
Acquisition or
Improvements,
Net of
Impairments

GROSS AMOUNTS AT WHICH
CARRIED AT CLOSE OF PERIOD

Land

Building &
Improvements

Total

Accumulated
Depreciation

Date Constructed

MI

OH

KY

MO

GA

MI

MI

MI

GA

FL

OH

FL

MO

IL

OH

WI

MI

CO

MI

CO

CO

MO

GA

MI

GA

MI

MI

MI

FL

MI

IL

MI

FL

IN

$

— $

15,704

$

— $

(7,110)

$

5,917

$

2,677

$

8,594

$

58,295

—

—

—

—

—

—

—

—

3,618

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

23,481

16,153

—

—

—

—

—

—

9,831

13,249

10,250

1,880

1,175

1,500

2,188

729

1,565

5,800

2,968

6,070

8,408

6,868

1,768

3,255

20,910

226

8,254

6,241

13,899

658

3,308

1,133

7,673

2,249

2,806

15,365

2,018

2,670

1,317

7,922

4,997

76,446

21,103

10,909

10,801

10,499

13,498

7,613

6,562

14,085

20,709

17,637

18,105

8,197

78,551

16,216

17,620

80,600

6,782

25,232

22,856

22,506

5,953

29,778

10,200

52,774

20,237

6,270

—

18,114

11,862

11,786

18,910

18,346

5

—

(57)

(53)

541

10,585

(9)

609

826

3,507

269

82

1,117

(235)

3,121

5,127

—

4,225

1,602

257

1,071

10,079

4,576

161

689

17,718

6,261

33,371

5,415

38

421

1,037

(199)

F-34

9,831

13,249

10,250

1,987

1,175

1,625

2,188

729

1,572

4,904

2,968

6,070

8,408

6,868

1,768

3,260

20,910

3,646

7,344

6,241

13,899

658

3,304

1,143

7,652

2,249

2,691

15,365

3,402

2,670

1,317

7,922

4,997

76,451

21,103

10,852

10,641

11,040

23,958

7,604

7,171

14,904

25,112

17,906

18,187

9,314

78,316

19,337

22,742

80,600

7,587

27,744

23,113

23,577

16,032

34,358

10,351

53,484

37,955

12,646

33,371

22,145

11,900

12,207

19,947

18,147

86,282

34,352

21,102

12,628

12,215

25,583

9,792

7,900

16,476

30,016

20,874

24,257

17,722

85,184

21,105

26,002

101,510

11,233

35,088

29,354

37,476

16,690

37,662

11,494

61,136

40,204

15,337

48,736

25,547

14,570

13,524

27,869

23,144

INITIAL COST
TO COMPANY

Location

Encumbrances

Land

Building &
Improvements

Capitalized
Subsequent to
Acquisition or
Improvements,
Net of
Impairments

GROSS AMOUNTS AT WHICH
CARRIED AT CLOSE OF PERIOD

Land

Building &
Improvements

Total

Accumulated
Depreciation

Date Constructed

Property

Mission Bay

Mount Prospect Plaza

Nagawaukee Shopping Center

New Towne Plaza

Oak Brook Square

Parkway Shops

Promenade at Pleasant Hill

River City Marketplace

River Crossing Centre

Rivertowne Square

Roseville Towne Center

Rossford Pointe

Shoppes of Lakeland

Shops at Old Orchard

Southfield Plaza
Spring Meadows Place (1)

Tel-Twelve

The Crossroads

The Shoppes at Fox River

The Town Center at Aquia Office Building

Town & Country Crossing

Treasure Coast Commons

Troy Marketplace

Troy Marketplace II

Troy Towne Center

Village Lakes Shopping Center

Village Plaza

Vista Plaza

West Broward

West Allis Towne Centre

West Oaks I
West Oaks II (2)

Winchester Center

FL

IL

WI

MI

MI

FL

GA

FL

FL

FL

MI

OH

FL

MI

MI

OH

MI

FL

WI

VA

MO

FL

MI

MI

OH

FL

FL

FL

FL

WI

MI

MI

MI

Woodbury Lakes
Land Available for Future Development (3)
Land Available for Sale (4)

MN

Various

Various

—

—

8,448

18,621

—

—

—

110,000

—

—

—

—

—

—

—

28,731

—

—

—

13,827

—

7,856

20,941

—

—

—

8,698

10,376

—

—

25,669

—

—

—

33,975

11,633

7,549

817

955

3,145

3,891

19,768

728

954

1,403

796

5,503

2,864

1,121

2,646

3,819

1,850

8,534

—

8,395

2,924

4,581

3,790

930

862

2,531

3,667

5,339

1,866

—

1,391

5,667

10,411

28,266

10,931

48,159

21,767

30,898

7,354

8,591

—

22,520

73,859

6,459

8,587

13,195

3,087

20,236

16,698

10,777

16,758

43,181

16,650

26,227

—

26,465

10,644

19,041

10,292

8,372

7,768

12,688

16,769

11,521

16,789

6,304

12,519

18,559

55,635

14,026

27,252

2,658

1,022

156

5,919

5,930

17,877

4,007

8,605

53

1,804

3,445

1,762

929

149

782

5,611

32,197

708

5,928

14,366

2,224

(2,024)

110

468

(488)

5,883

409

231

75

13,850

13,584

7,350

518

96

(14,843)

(16,471)

33,975

11,633

7,549

817

955

3,145

3,440

11,140

728

954

582

797

5,503

2,864

1,121

2,637

3,819

1,857

9,750

4,615

8,395

2,924

4,581

3,790

813

862

2,531

3,667

5,339

1,866

1,768

1,391

5,667

10,411

27,167

17,449

50,817

22,789

31,054

13,273

14,521

17,877

26,978

91,092

6,512

10,391

17,461

4,848

21,165

16,847

11,559

22,378

75,378

17,351

30,939

9,751

28,689

8,620

19,151

10,760

8,001

13,651

13,097

17,000

11,596

30,639

18,120

19,869

19,077

55,731

282

4,263

84,792

34,422

38,603

14,090

15,476

21,022

30,418

102,232

7,240

11,345

18,043

5,645

26,668

19,711

12,680

25,015

79,197

19,208

40,689

14,366

37,084

11,544

23,732

14,550

8,814

14,513

15,628

20,667

16,935

32,505

19,888

21,260

24,744

66,142

27,449

21,712

TOTALS
(1) The property's mortgage loan is cross-collateralized with West Oaks II.
(2) The property's mortgage loan is cross-collateralized with a portion of Spring Meadows Place.
(3) Primarily in Hartland, MI, Lakeland, FL and Jacksonville, FL.
(4) Primarily in Stafford County, VA and Hartland, MI. Includes portion of retail and office outparcels with depreciable assets.

1,380,404

354,714

398,356

$

$

$

$

229,927

$

394,681

$

1,614,006

$ 2,008,687

$

287,177

F-35

 
SCHEDULE III
REAL ESTATE INVESTMENT AND ACCUMULATED DEPRECIATION
December 31, 2014 

Reconciliation of total real estate carrying value:

Balance at beginning of year

Additions during period:

Acquisition

Improvements

Deductions during period:

Cost of real estate sold/written off

Impairment

Balance at end of year

Reconciliation of accumulated depreciation:

Balance at beginning of year

Depreciation Expense

Cost of real estate sold/written off

Balance at end of year

Aggregate cost for federal income tax purposes

2014

Year ended December 31,

2013

(In thousands)

1,727,191

$

1,217,712

$

289,340

70,982

(50,961)
(27,865)
2,008,687

253,292

50,081
(16,196)
287,177

2,115,287

$

$

$

$

530,697

38,613

(50,162)

(9,669)

1,727,191

237,462

39,469

(23,639)

253,292

1,781,084

$

$

$

$

$

$

$

$

$

F-36

 
 
 
 
 
 
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PRO PE RT Y  SUM M A RY

PROPERTY NAME

LOCATION

OWNER-
SHIP %

TOTAL 
OWNED 
GLA

PROPERTY NAME

LOCATION

OWNER-
SHIP %

459,307
159,413
176,960
795,680

90,116
109,312
167,280
115,586
210,965
240,789
331,105
264,748
89,114
557,087
62,038
141,943
183,842
120,092
313,913
92,979

168,751
155,770
103,956
109,761

Jackson Crossing
Jackson West
Lakeshore Marketplace
Livonia Plaza
Millennium Park
New Towne Plaza
Oak Brook Square
Roseville Towne Center
Shoppes at  

Fairlane Meadows

Southfield Plaza
Tel-Twelve
The Auburn Mile 1
The Shops at  
Old Orchard
Troy Marketplace
West Oaks I  

Shopping Center

West Oaks II  

Shopping Center
Winchester Center
  Total

MINNESOTA (1)

Woodbury Lakes
  Total

MISSOURI (4)

Central Plaza
Deer Creek  

Jackson
Jackson
Norton Shores
Livonia
Livonia
Canton Township
Flint
Roseville

Dearborn
Southfield
Southfield
Auburn Hills

West Bloomfield
Troy

100%
100%
100%
100%
30%
100%
100%
100%

100%
100%
100%
100%

100%
100%

Novi

100%

243,987

Novi
Rochester Hills

100%
100%

Woodbury

100%

167,954
314,575
4,944,743

305,086
305,086

Ballwin

100%

166,431

152,973
3,782,120

Shopping Center

Heritage Place
Town & Country Crossing
  Total

Maplewood
Creve Coeur 
Town & Country

100%
100%
100%

Chester

20%

86,748
170,475
106,003
97,001
154,700

261,808
876,735

235,840
107,427
163,054
300,682

134,012
941,015

248,369
139,753
388,122

277,533
277,533

NEW JERSEY (1)

Chester Springs  

Shopping Center

  Total

OHIO (8)

Bridgewater Falls
Crossroads Centre
Deerfield Towne Center
Olentangy Plaza
Rossford Pointe
Spring Meadows Place
The Shops on  
Lane Avenue
Troy Towne Center
  Total

VIRGINIA (2)

The Town Center at Aquia
The Town Center at  

Aquia Office

  Total

WISCONSIN (4)

Hamilton
Rossford
Mason
Columbus
Rossford
Holland

Upper Arlington
Troy

Stafford County

Stafford County

East Town Plaza
Nagawaukee Center
The Shoppes at Fox River Waukesha
West Allis Towne Centre
West Allis
  Total

Madison
Delafield

100%
100%
100%
20%
100%
100%

20%
100%

100%

100%

100%
100%
100%
100%

TOTAL 
OWNED 
GLA

402,326
209,800
342,991
137,391
272,568
192,587
152,073
76,998

157,225
190,099
523,411
90,553

96,768
217,754

208,144
269,105
148,630
792,310

222,930
222,930

503,502
344,045
460,675
253,204
47,477
259,362

170,719
144,485
2,183,469

34,720

98,147
132,867

208,472
219,538
237,392
326,271
991,673

PORTFOLIO TOTAL

16,886,513

COLORADO (3)

Front Range Village
Harvest Junction North
Harvest Junction South
  Total

FLORIDA (21)

Cocoa Commons
Coral Creek Shops
Cypress Point
Kissimmee West
Lakeland Park Center
Marketplace of Delray
Martin Square
Mission Bay Plaza
Parkway Shops
River City Marketplace
River Crossing Centre
Rivertowne Square
Shoppes of Lakeland
The Crossroads
The Plaza at Delray
Treasure Coast Commons
Village Lakes  

Shopping Center
Village of Oriole Plaza
Village Plaza
Vista Plaza
West Broward  

Shopping Center

  Total

GEORGIA (6)

Centre at Woodstock
Conyers Crossing
Holcomb Center
Horizon Village
Peachtree Hill
Promenade at  
Pleasant Hill

  Total

ILLINOIS (5)

Deer Grove Centre
Liberty Square
Market Plaza
Mount Prospect Plaza
Rolling Meadows  
Shopping Center

  Total

INDIANA (2)

Merchants’ Square
Nora Plaza
  Total

KENTUCKY (1)

Fort Collins
Longmont
Longmont

Cocoa
Coconut Creek
Clearwater
Kissimmee
Lakeland
Delray Beach
Stuart
Boca Raton
Jacksonville
Jacksonville
New Port Richey
Deerfield Beach
Lakeland
Royal Palm Beach
Delray Beach
Jensen Beach

Land O’ Lakes
Delray Beach
Lakeland
Jensen Beach

Plantation

Woodstock
Conyers
Roswell
Suwanee
Duluth

Duluth

Palatine
Wauconda
Glen Ellyn
Mount Prospect

Rolling Meadows

Carmel
Indianapolis

100%
100%
100%

100%
100%
100%
7%
100%
100%
30%
100%
100%
100%
100%
100%
100%
100%
20%
100%

100%
30%
100%
100%

100%

100%
100%
100%
100%
20%

100%

100%
100%
20%
100%

20%

100%
7%

Buttermilk Towne Center
  Total

Crescent Springs

100%

MARYLAND (1)

Crofton Centre
  Total

MICHIGAN (22)

Clinton Pointe
Clinton Valley
Gaines Marketplace
Hoover Eleven
Hunter’s Square

Crofton

20%

252,230
252,230

Clinton Township
Sterling Heights
Gaines Township
Warren
Farmington Hills

100%
100%
100%
100%
100%

135,330
200,935
184,376
280,719
354,323

A BOUT  R A M C O - G E RS H E NS O N 
PRO PE RTIE S  TRUS T

Ramco-Gershenson  Properties  Trust  (NYSE:RPT)  

is  a  fully  integrated,  self-administered,  publicly- 

traded  real  estate  investment  trust  (REIT)  based  

in  Farmington  Hills,  Michigan.  The  Company’s 

business  is  the  ownership  and  management  

of  large,  multi-anchor  shopping  centers  primarily  

in  a  dozen  of  the  largest  metropolitan  markets  

in  the  United  States.  At  December  31,  2014,  

the  Company  owned  interests  in  and  managed  a 

portfolio  of  80  shopping  centers  and  one  office 

building  with  approximately  16.9  million  square 

feet  of  gross  leasable  area.  At  December  31,  

2014,  the  Company’s  core  operating  portfolio  

was 95.5% leased.

C O M PA NY   IN FO RM ATIO N
A s  o f  M a r c h   2 015

BOARD OF TRUSTEES:

Stephen R. Blank, Chairman
Senior Fellow, Finance
Urban Land Institute
Audit Committee—
Financial Expert and Member
Compensation Committee—Member
Nominating and Governance
Committee—Member

Dennis Gershenson
President and CEO
Ramco-Gershenson Properties Trust
Executive Committee—Member

Arthur Goldberg
Managing Director
Corporate Solutions Group LLC
Audit Committee— 
Financial Expert and Member
Compensation Committee—Chairman

David J. Nettina
President and co-Chief Executive Officer
Career Management, LLC
Audit Committee— 
Financial Expert and Chairman
Nominating and Corporate Governance 
Committee—Member

Joel M. Pashcow
Managing Member
Nassau Capital LLC
Compensation Committee—Member
Executive Committee—Chairman
Nominating and Governance
Committee—Member

Mark K. Rosenfeld
Chairman and CEO
Wilherst Developers, Inc.
Audit Committee— 
Financial Expert and Member
Compensation Committee—Member
Nominating and Corporate Governance 
Committee—Chairman

Michael A. Ward
Private Investor
Executive Committee—Member
Nominating and Governance
Committee—Member
Compensation Committee—Member

EXECUTIVE OFFICERS:

Dennis Gershenson
President and CEO

Gregory R. Andrews
Chief Financial Officer,
Secretary

Frederick A. Zantello
Executive Vice President,
Assistant Secretary

Catherine Clark
Senior Vice President
Acquisitions

CORPORATE INFORMATION

Corporate Headquarters
31500 Northwestern Highway
Suite 300
Farmington Hills, MI 48334
Tel: (248) 350-9900
Fax: (248) 350-9925
www.rgpt.com

Stock Exchange Listing
New York Stock Exchange
NYSE: RPT

Independent Auditors
Grant Thornton LLP
Southfield, MI

Corporate Counsel
Honigman Miller Schwartz and
Cohn LLP
Detroit, MI

Transfer Agent and Registrar
American Stock Transfer &
Trust Company
Dividend Paying and Reinvestment
Plan Agent
59 Maiden Lane, Plaza Level
New York, NY 10038
Shareholder Services and Information:
(800) 937-5449

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Shareholder Information
Current and prospective 
Ramco-Gershenson investors can 
receive a copy of the Company’s 
proxy statement, earnings announce-
ments as well as quarterly and annual 
reports via the corporate web site, 
www.rgpt.com or by contacting:

Dawn L. Hendershot
Vice President of Investor Relations and 
Corporate Communications
31500 Northwestern Highway
Suite 300
Farmington Hills, MI 48334
(248) 592-6202
dhendershot@rgpt.com

Member
National Association of Real Estate
Investment Trusts, Inc. 
International Council of 
Shopping Centers

Certifications
On May 24, 2014, the Company submitted 
the Annual CEO Certification to the NYSE, 
pursuant to Section 303A.12 of the NYSE’s 
listing standards, whereby our CEO certi-
fied that he is not aware of any violation 
by the Trust of the NYSE’s corporate 
 governance listing standards as of the 
date of the certification. In addition,  
we have filed with the Securities and 
Exchange Commission, as exhibits to  
our Quarterly Reports on Form 10-Q for 
the quarters ended March 31, June 30 
and September 30, 2014, and our Annual 
Report on Form 10-K for the year ended 
December 31, 2014, certifications by  
our CEO and CFO in accordance with 
Sections 302 and 906 of the Sarbanes-
Oxley Act of 2002.

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Front Range Village

 
 
 
 
 
 
 
 
 
 
 
31500 Northwestern Highway, Suite 300
Farmington Hills, MI 48334
Tel: (248) 350-9900  Fax: (248) 350-9925

www.rgpt.com
www.rgpt.com