Quarterlytics / Basic Materials / Paper, Lumber & Forest Products / UFP Industries

UFP Industries

ufpi · NASDAQ Basic Materials
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Ticker ufpi
Exchange NASDAQ
Sector Basic Materials
Industry Paper, Lumber & Forest Products
Employees 5001-10,000
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FY2012 Annual Report · UFP Industries
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Report to Shareholders 

2012 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Dear Shareholder: 

We  often  have discussions  about  what  it  means  to  be  a  “Universal company”  and  how  it  manifests  in  what  

we do and how we do it. 

Being  a  part  of  Universal  isn’t  about  systems  or  methods  or  about  being  joined  via  financial  reporting  or 

marketing campaigns. Being a Universal company is about a shared attitude, a way of thinking and being that 

demands success. It’s about having one foot on the forefront of our markets and businesses and the other in 

important, time-tested traditions and values. It’s about respecting innovation as much as relationships; about 

doing whatever it takes to grow success—as long as it respects and nurtures those who are helping to build it, 

from customers to employees to communities. And it’s about enjoying the journey. 

This  attitude  joins  companies  as  diverse  as  Pinelli  Universal,  our  joint-venture  partner  in  Mexico  that  uses 

state-of-the-art technology to manufacture fine interior mouldings and millwork, and Nepa Pallet and Container 

Co., Inc., a manufacturer of pallets, containers and bins for agricultural and industrial customers. Nepa’s 75 

years of growth and success made it a solid acquisition opportunity in 2012. 

In 2012, this attitude took us past the $2 billion mark again—an achievement that, for us, said we’re back on a 

familiar  path  of  dynamic  business  opportunities  and  exciting  goals, 

including  targets  of  achieving  

$3 billion in sales and operating margins at normal historical levels by 2017. Compared to 2011, we grew sales 

by nearly 13 percent to $2.1 billion (attributable to lumber prices), and we grew earnings to nearly $24 million, 

from $4.5 million. We’re proud to say we still haven’t had an unprofitable year since our founding in 1955. 

But those aren’t where our successes really showed: They showed in operations like Granger, Ind., Hillsboro, 

Texas and Lafayette, Colo., where new products contributed to sales growth and to profit enhancement. They 

showed in our ability to successfully refinance $75 million in long-term debt at favorable rates, underscoring 

the strength of our balance sheet and the confidence financial institutions have in our company and outlook. 

Our achievements showed in our ability to acquire successful companies, including MSR Forest Products, LLC, 

a  supplier  of  roof  trusses  and  cut-to-size  lumber  to  the  region’s  manufactured  housing  producers  that  we 

consolidated  with  existing  operations  to  enhance  capacity  utilization  and  reduce  costs;  Nepa  Pallet  and 

Container  Co.,  one  of  the  best  and  oldest  such  manufacturers  in  the  Pacific  Northwest;  and  Custom 

Caseworks, a high-tech manufacturer of commercial casework, fixtures and related products. 

Universal Forest Products, Inc. 

Letter to Shareholders 

Page ii 

 
 
 
 
 
Our successes also showed in our products. We re-energized our ProWood® brand as the name for our top-

drawer, professional-grade treated lumber products and launched it with a dynamic, comprehensive marketing 

campaign.  To  offer  new  choices  to  consumers,  we  also  launched  ProWood  Dura  Color™  treated  lumber 

products that are infused with color. The Dura Color launch was described by a customer as one of the most 

successful of its type, a credit to employees who worked as hard at 3 a.m. as they did at 9 p.m., manufacturing 

flawless products, loading trucks and merchandising stores.  

We  started  an initiative  to focus  on  new  product  development  and,  in  2012,  we  saw  sales  of $53  million  in 

products launched in 2011 and 2012.  

More importantly,  our  success  and growth created  advancement opportunities for our  people: new  positions 

created  from  new  success,  promotions  for  managing  our  expansion,  and  a  renewed  focus  on  bringing  in 

trainees and others to backfill at the entry level and rev up the engines of employee development.  

All of these were great achievements and good indicators of the strength of our strategies and our company. 

That said, the year revealed more opportunities for improvement. At the top of our list for 2013 are enhancing 

operating margins and growing top-line sales via new customers and new products. We have ongoing plans to 

grow through acquisition and by adding new products and sales to our existing operations, and we have much 

capacity to facilitate that growth.   

We  have  competition  in  each  of  our  markets,  but  not  a  single  competitor  that  does  all  that  we  do,  and  we 

benefit greatly from such a varied-yet-integrated business model. We achieve efficiencies, have economies of 

scale, and have opportunities and leveraging power that others can’t replicate today. And we aren’t standing 

still to let them to catch us.  

Add  to  those  capabilities  a  rock-solid  balance  sheet;  longevity  of  leadership  that  creates  consistency  and 

engenders loyalty; good, old American values that respect hard-working people who accept responsibility with 

honor  and  who  exemplify  an  entrepreneurial  spirit—and  you  have  Universal  Forest  Products  and  all  the 

companies and people who are making us great.  

We  remain  concerned  about  macroeconomic  headwinds:  the  uncertainty  of  federal  policies,  tenuous 

economies  worldwide,  unemployment  issues,  unsustainable  entitlement  spending  and  more.  But  we  are 

confident we’ve adopted the right strategies for solid performance and for making a positive difference in the 

business of our customers, the opportunity of our employees and the investment of our shareholders.  

We are grateful for your support and we’re working hard to ensure you remain pleased with your investment in 

our company and our efforts.  

William G. Currie  
Chairman of the Board 

Matthew J. Missad 
Chief Executive Officer 

Universal Forest Products, Inc. 

Letter to Shareholders 

Page iii 

 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 
FINANCIAL INFORMATION 

Table of Contents 

Selected Financial Data 

Management's Discussion and Analysis of Financial Condition and Results of Operations 

Management's Annual Report on Internal Control Over Financial Reporting 

Report of Independent Registered Public Accounting Firm 

Report of Independent Registered Public Accounting Firm 

Consolidated Balance Sheets as of December 29, 2012 and December 31, 2011 

Consolidated Statements of Earnings and Comprehensive Income for the Years Ended December 29, 2012, December 31, 2011, and 
December 25, 2010 

Consolidated Statements of Shareholders' Equity for the Years Ended December 29, 2012, December 31, 2011, and December 25, 2010 

Consolidated Statements of Cash Flows for the Years Ended December 29, 2012, December 31, 2011, and December 25, 2010 

Notes to Consolidated Financial Statements 

Price Range of Common Stock and Dividends 

Stock Performance Graph 

Directors and Executive Officers 

Shareholder Information 

Exhibit 13 

2

3-23

24

25

26

27-28

29

30-32

33-34

35-60

60

61

62

63

  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
  
Table of Contents

SELECTED FINANCIAL DATA 
(In thousands, except per share and statistics data) 

Consolidated Statement of Earnings Data 
Net sales 
Gross profit 
Earnings before income taxes 
Net earnings attributable to controlling interest 
Diluted earnings per share 
Dividends per share 

Consolidated Balance Sheet Data 
Working capital(1) 
Total assets 
Total debt and capital lease obligations 
Shareholders' equity 

Statistics 
Gross profit as a percentage of 
net sales 
Net earnings attributable to controlling interest as a 

percentage of net sales 
Return on beginning equity(2) 
Current ratio 
Debt to equity ratio 
Book value per common share(3) 

 $

 $
 $

 $

 $

2012 

2011 

2010 

2009 

2008 

 $

 $
 $

 $

2,054,933 
224,977 
41,012 
23,934 
1.21 
0.400 

338,389 
860,532 
95,790 
607,525 

 $

 $
 $

 $

1,822,336 
199,727 
8,787 
4,549 
0.23 
0.400 

225,399 
764,007 
52,470 
582,599 

 $

 $
 $

 $

1,890,851 
229,955 
27,111 
17,411 
0.89 
0.400 

263,578 
789,396 
55,291 
581,176 

 $

 $
 $

 $

1,673,000 
243,664 
38,583 
24,272 
1.25 
0.260 

248,165 
776,868 
53,854 
568,946 

2,232,394 
254,201 
7,100 
4,343 
0.23 
0.120 

230,308 
802,682 
101,174 
548,226 

11.0%   

11.0%   

12.2%   

14.6%   

11.4%

1.2%   
4.1%   
3.95 
0.16 
30.68 

 $

0.2%   
0.8%   
2.70 
0.09 
29.69 

 $

0.9%   
3.1%   
3.21 
0.10 
30.06 

 $

1.5%   
4.4%   
3.06 
0.09 
29.50 

 $

0.2%
0.8%
2.68 
0.18 
28.72 

(1)  Current assets less current liabilities. 
(2)  Net earnings attributable to controlling interest divided by beginning shareholders’ equity. 
(3)  Shareholders’ equity divided by common stock outstanding. 

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Table of Contents

UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

Universal  Forest  Products,  Inc.  (“the  Company”)  is  a  holding  company  that  provides  capital,  management  and  administrative  resources  to 
subsidiaries that design, manufacture and market wood and wood-alternative products for building material retailers and wholesalers, engineered 
wood  components,  structural  lumber  and  other  products  for  the  manufactured  housing  industry  and  the  residential  construction  market,  and 
specialty  wood  packaging  and  components  and  packing  materials  for  various  industries.  The  Company’s  subsidiaries  also  provide  framing 
services  for  the  residential  construction  market  and a  variety  of products  used  for  concrete  construction.  The  Company's  consumer  products 
operations offer a large portfolio of outdoor living products, including wood composite decking, decorative balusters, post caps and plastic lattice. 
Its lawn and garden group offers an array of products, such as trellises and arches, to retailers nationwide. The Company is headquartered in 
Grand Rapids, Michigan, and its subsidiaries operate facilities throughout North America. For more about Universal Forest Products, Inc., go to 
www.ufpi.com. 

This report contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act, as amended, that are based on 
management’s beliefs, assumptions, current expectations, estimates and projections about the markets we serve, the economy and the Company 
itself. Words like “anticipates,” “believes,” “confident,” “estimates,” “expects,” “forecasts,” “likely,” “plans,” “projects,” “should,” variations of 
such words, and similar expressions identify such forward-looking statements. These statements do not guarantee future performance and involve 
certain  risks,  uncertainties  and  assumptions  that  are  difficult  to  predict  with  regard  to  timing,  extent,  likelihood  and  degree  of  occurrence.  The 
Company does not undertake to update forward-looking statements to reflect facts, circumstances, events, or assumptions that occur after the 
date  the  forward-looking  statements  are  made.  Actual  results  could  differ  materially  from  those  included  in  such  forward-looking  statements. 
Investors are cautioned that all forward-looking statements involve risks and uncertainty. Among the factors that could cause actual results to 
differ  materially  from  forward-looking statements are the following: fluctuations in the price of lumber; adverse or unusual weather conditions; 
adverse economic conditions in the markets we serve; government regulations, particularly involving environmental and safety regulations; and 
our  ability  to  make  successful  business  acquisitions.  Certain  of  these  risk  factors  as  well  as  other  risk  factors  and  additional  information  are 
included in the Company's reports on Form 10-K and 10-Q on file with the Securities and Exchange Commission. We are pleased to present this 
overview of 2012. 

Our results for 2012 were impacted by the following: 

OVERVIEW 

● Our results for 2012 are comprised of a 52-week year compared to a 53-week year in 2011, adding one extra week of activity in 2011. This extra 
week added an additional $16 million in sales to 2011. An additional week of cost of goods sold and expenses in 2011 also impacted our results 
for 2012 compared to 2011. 

3

  
 
 
 
  
 
  
   
  
Table of Contents

UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

● Our sales increased 12% primarily due to an increase in lumber prices. See “Historical Lumber Prices”. Our unit sales increased in four of our five 
markets, including double digit increases in our residential construction, manufactured housing and industrial markets. Our sales to the retail 
building materials market declined by approximately 6% due to a loss of market share with one customer. 

● National housing starts increased approximately 27% in the period of December 2011 through November of 2012 (our sales trail housing starts 
by about a month) compared to the same period of 2011, while our unit sales increased 18% in the residential construction market. Since the 
downturn  in  housing  began,  suppliers  servicing  this  market  have  been  challenged  with  significant  excess  capacity.  Consequently,  pricing 
pressure  has  been  intense  resulting  in  several  years  of  operating  losses  for  many  industry  participants.  We  have  maintained  our  focus  on 
profitability and cash flow by being selective in the business that we take. This has resulted in several right-sizing and plant closure actions 
which have caused us to sacrifice market share. 

● Shipments of HUD code manufactured homes were up 8% in the period from January through November 2012, compared to the same period of 
2011, which helped drive our 13% increase in unit sales to this market. We have maintained our share of the manufactured housing market in the 
core  product  lines  we  offer  and  our  sales  increase  reflects  greater  market  activity  and  an  increase  in  market  share  of  our  recently  acquired 
distribution business, which has added more product lines. 

● We  experienced  a  10%  increase  in  unit  sales  to  our  industrial  customers  due  to  share  gains  with  existing  customers  and  by  adding  new 

customers. 

● The retail building materials market, which has been adversely impacted by a decline in consumer demand in prior years, experienced an early 
trend up in sales due, in part, to favorable weather. More recently, consumer spending and confidence appears to have softened. Our unit sales 
decreased due to the fact we lost market share with a major retail customer this year, primarily in product lines with lower gross margins. This 
decrease was offset to some extent by gaining share with other customers in a variety of other product lines. 

● Our gross profit dollars increased by 13% comparing 2012 to 2011, which compares favorably to our 4% increase in unit sales. Our gross profit 

was primarily impacted by the following factors: 

●  During the first half of 2012 we benefited from selling into a rising lumber market for much of the period. Conversely, during the first 
half of 2011 we were adversely impacted by selling into a falling market for most of that period. See “Historical Lumber Prices” and 
“Impact of the Lumber Market on Our Operating Results” for additional information. 

● 

In the first quarter of 2012 we experienced more favorable weather than we did in the first quarter of 2011, which was impacted by 
inclement weather in many areas of the country resulting in many lost production days. 

4

  
  
  
 
 
 
  
  
  
   
 
 
  
Table of Contents

UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

●  We lost some market share with a major retail customer this year, primarily in product lines with lower gross margins. 

●  The favorable factors above were offset to some extent by pricing pressure in each of our markets. 

● We had a net gain on the sale of property, plant and equipment totaling $8.0 million for the year. Total proceeds from the sale of these assets 
totaled  $18.2  million.  This  net  gain  was  reduced  by  approximately  $1.1  million  of  impairment  charges  we  recorded  on  property,  plant,  and 
equipment resulting from certain plant closure actions we had previously taken. 

● We recorded a $2.3 million loss contingency for a Canadian anti-dumping duty. The Canadian government has imposed retroactive assessments 
for antidumping and countervailing duties tied to certain extruded aluminum products imported from China. While we continue to work with the 
government to clarify the applicability of these rules to our products, we recorded a charge in the third quarter for this matter. 

● We recorded $3.2 million of loss reserves on certain notes receivable. 

● We  entered  into  a  Note  Purchase  Agreement  under  which  we  issued  senior  notes  in  two  tranches  totaling  $75  million.  A  portion  of  these 
proceeds were used to retire $40 million senior notes due in December 2012 while the balance of the proceeds were used to repay amounts owed 
under our revolving credit facility. 

● In  2012,  higher  lumber  prices  have  caused  our  investment  in  accounts  receivable  and  inventory  to  increase  substantially,  mitigating  the 

favorable impact on cash flow in the third and fourth quarters that we would typically experience from seasonality. 

The following table presents the Random Lengths framing lumber composite price. 

HISTORICAL LUMBER PRICES 

January 
February 
March 
April 
May 
June 
July 
August 
September 
October 
November 
December 
Annual average 
Annual percentage change 

Random Lengths Composite 
Average $/MBF 
2011 

2012 

2010 

 $

281 
286 
300 
308 
342 
330 
323 
340 
332 
324 
354 
370 
324 
 $
19.1%   

 $

301 
296 
294 
275 
259 
262 
269 
265 
262 
261 
257 
267 
272 
 $
(3.9%)   

264 
312 
310 
351 
333 
267 
251 
245 
250 
254 
275 
279 
283 

 $

 $

5

   
  
  
 
 
 
 
 
   
  
 
 
  
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
Table of Contents

UNIVERSAL FOREST PRODUCTS, INC. 

MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

In addition, a Southern Yellow Pine (“SYP”) composite price, which we prepare and use, is presented below. Sales of products produced using this 
species may comprise up to 50% of our sales volume. 

Random Lengths SYP 
Average $/MBF 
2011 

2010 

 $

January 
February 
March 
April 
May 
June 
July 
August 
September 
October 
November 
December 
Annual average 
Annual percentage change 

2012 

 $

 $

 $

269 
278 
300 
314 
341 
314 
300 
315 
319 
313 
350 
362 
 $
315 
20.7%   

282 
289 
290 
266 
254 
246 
253 
263 
239 
244 
248 
256 
261 

 $
(11.2%)   

269 
331 
337 
382 
374 
293 
264 
249 
252 
249 
262 
260 
294 

IMPACT OF THE LUMBER MARKET ON OUR OPERATING RESULTS 

We experience significant fluctuations in the cost of commodity lumber products from primary producers ("Lumber Market"). We generally price 
our products to pass lumber costs through to our customers so that our profitability is based on the value-added manufacturing, distribution, 
engineering, and other services we provide. As a result, our sales levels (and working capital requirements) are impacted by the lumber costs of 
our products. Lumber costs are a significant percentage of our cost of goods sold. 

Our gross margins are impacted by (1) the relative level of the Lumber Market (i.e. whether prices are higher or lower from comparative periods), 
and (2) the trend in the market price of lumber (i.e. whether the price of lumber is increasing or decreasing within a period or from period to period). 
Moreover, as explained below, our products are priced differently. Some of our products have fixed selling prices, while the selling prices of other 
products are indexed to the reported Lumber Market with a fixed dollar adder to cover conversion costs and profits. Consequently, the level and 
trend of the Lumber Market impact our products differently. 

Below is a general description of the primary ways in which our products are priced. 

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UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

● Products with fixed selling prices. These products include value-added products such as decking and fencing sold to retail building materials 
customers,  as  well  as  trusses,  wall  panels  and  other  components  sold  to  the  residential  construction  market,  and  most  industrial  packaging 
products.  Prices  for  these  products  are  generally  fixed  at  the  time  of  the  sales  quotation  for  a  specified  period  of  time  or  are  based  upon  a 
specific  quantity.  In  order  to  maintain  margins  and  reduce  any  exposure  to  adverse  trends  in  the  price  of  component  lumber  products,  we 
attempt to lock in costs with our suppliers for these sales commitments. Also, the time period and quantity limitations generally allow us to re-
price our products for changes in lumber costs from our suppliers. 

● Products with selling prices indexed to the reported Lumber Market with a fixed dollar "adder" to cover conversion costs and profits. These 
products primarily include treated lumber, remanufactured lumber, and trusses sold to the manufactured housing industry. For these products, 
we estimate the customers' needs and we carry anticipated levels of inventory. Because lumber costs are incurred in advance of final sale prices, 
subsequent  increases  or  decreases  in the  market  price  of  lumber  impact  our  gross  margins.  For  these  products,  our  margins  are  exposed  to 
changes in the trend of lumber prices. As a result of the decline in the housing market and our sales to residential and commercial builders, a 
greater percentage of our sales fall into this general pricing category. Consequently, we believe our profitability may be impacted to a much 
greater extent to changes in the trend of lumber prices. 

Changes in the trend of lumber prices have their greatest impact on the following products: 

● Products with significant inventory levels with low turnover rates, whose selling prices are indexed to the Lumber Market. In other words, the 
longer the period of time these products remain in inventory, the greater the exposure to changes in the price of lumber. This would include 
treated lumber, which comprises approximately 15% of our total sales. This exposure is less significant with remanufactured lumber, trusses sold 
to the manufactured housing market, and other similar products, due to the higher rate of inventory turnover. We attempt to mitigate the risk 
associated with treated lumber through vendor consignment inventory programs. (Please refer to the  “Risk Factors”  section of our annual 
report on form 10-K, filed with the United States Securities and Exchange Commission.) 

● Products with fixed selling prices sold under long-term supply arrangements, particularly those involving multi-family construction projects. We 

attempt to mitigate this risk through our purchasing practices by locking in costs. 

In addition to the impact of the Lumber Market trends on gross margins, changes in the level of the market cause fluctuations in gross margins 
when  comparing  operating  results  from  period  to  period.  This  is  explained  in  the  following  example,  which  assumes  the  price  of  lumber  has 
increased from period one to period two, with no changes in the trend within each period. 

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Table of Contents

UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

Lumber cost 
Conversion cost 
= Product cost 
Adder 
= Sell price 
Gross margin 

  $

  $

Period 1 

Period 2 

  $

300 
50 
350 
50 
400 
  $
12.5%   

400 
50 
450 
50 
500 
10.0%

As  is  apparent  from  the  preceding  example,  the level  of  lumber  prices  does  not  impact  our  overall  profits  but  does  impact  our  margins.  Gross 
margins  are  negatively  impacted  during  periods  of  high  lumber  prices;  conversely,  we  experience  margin  improvement  when  lumber  prices  are 
relatively low. 

BUSINESS COMBINATIONS AND ASSET PURCHASES 

See Notes to Consolidated Financial Statements, Note C, "Business Combinations." 

RESULTS OF OPERATIONS 

The following table presents, for the periods indicated, the components of our Consolidated Statements of Earnings as a percentage of net sales. 

Net sales 
Cost of goods sold 
Gross profit 
Selling, general, and administrative expenses 
Loss contingency for Canadian anti-dumping duty 
Net loss (gain) on disposition of assets and other impairment and exit charges 
Earnings from operations 
Other expense, net 
Earnings before income taxes 
Income taxes 
Net earnings 
Less net earnings attributable to noncontrolling interest 
Net earnings attributable to controlling interest 

Note: Actual percentages are calculated and may not sum to total due to rounding. 

8

 December 29, 2012  

Years Ended 
 December 31, 2011  

 December 25, 2010  

100.0 %  
89.1 
11.0 
9.0 
0.1 
(0.3)   
2.2 
0.2 
2.0 
0.7 
1.3 
(0.1)   
1.2 %  

100.0 %  
89.0 
11.0 
10.0 
- 
0.4 
0.7 
0.2 
0.5 
0.2 
0.3 
(0.1)   
0.2 %  

100.0 %
87.8 
12.2 
10.5 
- 
0.1 
1.6 
0.2 
1.4 
0.4 
1.1 
(0.1)
0.9 %

   
  
  
 
 
 
 
 
 
 
  
 
 
 
 
 
   
   
   
   
   
   
   
 
 
 
 
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
Table of Contents

GROSS SALES 

UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

We design, manufacture and market wood and wood-alternative products for national home centers and other retailers, structural lumber and other 
products for the manufactured housing industry, engineered wood components for residential and commercial construction, and specialty wood 
packaging, components and packing materials for various industries. Our strategic long-term sales objectives include: 

● Diversifying our end market sales mix by increasing sales of specialty wood packaging to industrial users, increasing our penetration of the 
concrete  forming  market,  increasing  our  sales  of  engineered  wood  components  for  custom  home,  multi-family,  military  and  light  commercial 
construction, and increasing our market share with independent retailers. 

● Expanding geographically in our core businesses, domestically and internationally. 

● Increasing sales of "value-added" products, which primarily consist of fencing, decking, lattice, and other specialty products sold to the retail 
building  materials  market,  specialty  wood  packaging,  engineered  wood  components,  and  "wood  alternative"  products.  Engineered  wood 
components include roof trusses, wall panels, and floor systems. Wood alternative products consist primarily of composite wood and plastics. 
Although  we  consider  the  treatment  of  dimensional  lumber  with  certain  chemical  preservatives  a  value-added  process,  treated  lumber  is  not 
presently included in the value-added sales totals. 

● Developing new products and expanding our product offering for existing customers. 

● Maximizing unit sales growth while achieving return on investment goals. 

The  following  table  presents,  for  the  periods  indicated,  our  gross  sales  (in  thousands)  and  percentage  change  in  gross  sales  by  market 
classification. 

Market Classification 
Retail Building Materials 
Industrial 
Manufactured Housing 
Residential Construction 
Commercial Construction and Concrete Forming 
Total Gross Sales 
Sales Allowances 
Total Net Sales 

December 29, 
2012 

% 
Change 

Years Ended 
December 31, 
2011 

% 
Change 

December 25, 
2010 

 $

841,500 
583,689 
314,088 
256,363 
90,365 
2,086,005 

(31,072)    

 $

0.3 
18.5 
28.4 
26.3 
15.3 
12.3 

838,903 
492,476 
244,663 
202,970 
78,402 
1,857,414 

(35,078)    

 $

(8.5)
9.3 
(0.5)
(15.9)
15.0 
(3.4)

 $

2,054,933 

12.8 

 $

1,822,336 

(3.6)

 $

916,469 
450,407 
245,769 
241,314 
68,183 
1,922,142 
(31,291)
1,890,851 

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UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS – CONTINUED 

The following table presents estimates, for the periods indicated, of our percentage change in gross sales which were attributable to changes in 
overall selling prices versus changes in units shipped. 

2012 versus 2011 
2011 versus 2010 
2010 versus 2009 

in Sales 

% Change
  in Selling Prices  

in Units 

12%   
-3%   
12%   

8%   
-5%   
7%   

4%
2%
5%

Gross sales in 2012 increased 12% compared to 2011 primarily due to an estimated 8% increase in overall selling prices combined with a unit sales 
increase of 4%. Our overall selling prices increased as a result of the Lumber Market (see “Historical Lumber Prices”). Unit sales increased due to 
improved demand in all of our markets in the first nine months of the year. 

Gross sales in 2011 decreased 3% compared to 2010 primarily due to an estimated 5% decrease in overall selling prices, while overall unit sales 
increased  by  2%.  Our  overall  selling  prices  decreased  as  a  result  of  the  Lumber  Market  and  competitive  price  pressure.  While  unit  sales  had 
declined in the first six months of the year due to weak end market demand, particularly in our retail building materials market, unit sales rebounded 
in the fourth quarter primarily due to our industrial and manufactured housing markets. 

Changes in our sales by market are discussed below. 

Retail Building Materials: 

Gross sales to the retail building materials market were flat in 2012 compared to 2011 primarily due to an estimated 6% decrease in overall unit sales 
offset  by  higher  lumber  prices.  Unit  sales  declined  due  to  the  loss  of  sales  to  a  major  retail  customer.  This  loss  of  market  share  was  offset 
somewhat by increased sales to several other retail customers. 

Gross sales to the retail building materials market decreased 8% in 2011 compared to 2010 primarily due to an estimated 3% decrease in overall unit 
sales and a 5% decrease in overall selling prices due to the Lumber Market and competitive price pressure due to excess supplier capacity. We 
believe unit sales declined due to a decrease in consumer spending for “big ticket” building materials products such as decking and fencing. As 
unemployment  remained  high  and  housing  prices  remain  deflated,  we  believe  many  homeowners  delayed  plans  for  larger  home  improvement 
projects. In addition, our sales of composite decking decreased as we are prepared to launch a new product. 

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Industrial: 

UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

Gross sales to the industrial market increased 19% in 2012 compared to 2011, due to an estimated 10% increase in unit sales combined with an 
estimated  9%  increase  in  selling  prices.  We  increased  our  capacity  in  several  areas  of  the  country  and  added  many  new  customers  in  2012, 
resulting  in  continued  gains  in  market  share.  Our  sales  to  existing  customers  also  increased  as  we  gained  share  with  our  top  customers  and 
demand improved. 

Gross sales to the industrial market increased 9% in 2011 compared to 2010, due to an estimated 12% increase in unit sales offset by an estimated 
3% decrease in selling prices. We added many new customers in 2011 which allowed us to continue to add market share and grow unit sales. Unit 
sales to existing customers increased an estimated 12%. 

Manufactured Housing: 

Gross sales to the manufactured housing market increased 28% in 2012 compared to 2011 primarily due to an estimated 15% increase in selling 
prices  due  to  the  Lumber  Market  and  an  estimated  13%  increase  in  unit  sales.  Unit  sales  to  this  market  increased  due  to  a  rise  in  industry 
production of HUD-code homes related to orders from FEMA and strong demand for temporary housing in some areas of the country related to 
shale oil and gas development. In addition, we continued to add product lines and expand share in our distribution business. Shipments of HUD 
code manufactured homes were up 8% in January through November of 2012 compared to the same period of 2011. 

Gross sales to the manufactured housing market remained flat in 2011 compared to 2010 primarily due to an estimated 3% decrease in selling prices 
due to the Lumber Market and an estimated 3% increase in unit sales of new operations we acquired in 2010. By comparison, shipments of HUD 
code manufactured homes were up 1% in January through November of 2011 compared to the same period of 2010. 

Residential Construction: 

Gross sales to the residential construction market increased 26% in 2012 compared to 2011 due to an estimated 18% increase in unit sales and an 
8%  increase  in  selling  prices.  By  comparison,  national  housing  starts  increased  approximately  27%  in  the  period  from  December  2011  through 
November of 2012 (our sales trail housing starts by about a month), compared to the same period of 2011. We continue to be selective in the 
business that we pursue in order to improve profitability. As a result, we have lost some share of this market. 

Gross sales to the residential construction market decreased 16% in 2011 compared to 2010 due to an estimated 11% decrease in selling prices and 
a  5%  decrease  in  unit  sales.  Unit  sales  declined  13%  as  a  result  of  closed  operations,  offset  by  an  estimated  8%  increase  in  unit  sales  out  of 
existing  plants  that  were  operating  in  both  periods.  By  comparison,  national  housing  starts  increased  approximately  2%  in  the  period  from 
December 2010 through November of 2011 (our sales trail housing starts by about a month), compared to the same period of 2010. Increased unit 
sales out of existing plants were primarily due to our increased penetration of the multi-family market. 

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Commercial Construction and Concrete Forming: 

UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

Gross sales to the commercial construction and concrete forming market increased 15% in 2012 compared to 2011. Within this market, sales to 
commercial builders increased 5% as a result of our ability to supply “turnkey” (components and framing) services to our customers, and sales of 
products used to make concrete forms increased 24% due to the sales and capital resources we have dedicated to growing our share of this market. 

Gross sales to the commercial construction and concrete forming market increased 15% in 2011 compared to 2010. Volume increased as a result of 
adding several large commercial accounts and continuing to gain share of the concrete forming market. 

Value-Added and Commodity-Based Sales: 

The following table presents, for the periods indicated, our percentage of value-added and commodity-based  sales  to  total  sales.  Value-added 
products generally carry higher gross margins than our commodity-based products. 

2012 
2011 
2010 

COST OF GOODS SOLD AND GROSS PROFIT 

Value-
Added 

 Commodity-Based  

58.7%  
58.8%  
58.6%  

41.3%
41.2%
41.4%

Our gross profit percentage remained flat at 11% due to the higher level of lumber prices in 2012 compared to 2011. Since we attempt to pass higher 
lumber  costs  along  to  our  customers  and  earn  a  fixed  profit  per  unit,  our  gross  margins  will  decline  if  the  level  of  lumber  prices  significantly 
increases (see “Impact of the Lumber Market on Our Operating Results”). An improvement in our profitability is reflected in a comparison of the 
change in our gross profit dollars versus our change in unit sales. Our gross profits increased by 13% comparing 2012 to 2011 while our unit sales 
increased by 4%. Our gross profit was primarily impacted by the following factors: 

●  During the first half of 2012 we benefited from selling into a rising lumber market for much of the period. Conversely, during the first 

● 

half of 2011 we were adversely impacted by selling into a falling market for most of that period. 
In the first quarter of 2012 we experienced more favorable weather than we did in the first quarter of 2011, which was impacted by 
inclement weather in many areas of the country resulting in many lost production days. 

●  We lost some market share with a major retail customer this year, primarily in product lines with lower gross margins. 
●  The favorable factors above were offset to some extent by pricing pressure in each of our markets. 

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UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

Our gross profit percentage decreased to 11% from 12% comparing 2011 to 2010. In addition, our gross profit dollars decreased by 13% comparing 
2011 to 2010, which compares unfavorably to our 2% increase in unit sales. The decline in our gross margin and profitability was due to several 
factors. 

● 
Inclement weather in the first quarter resulted in many lost production days and adversely impacted our efficiencies and profitability. 
●  Gross margins on sales to the retail building materials market declined primarily due to an increase in material costs as a percentage of 
sales to this market. This was primarily due to the Lumber Market, which decreased 11 consecutive weeks from the end of March 
2011 through the end of May 2011, our busiest selling season of the year. As a result, this adversely impacted our gross margins on 
products whose prices were indexed to the current Lumber Market at the time they are sold. Conversely, we were selling into a rising 
Lumber Market from January through most of May of 2010, which increased our gross margins on these products. 

●  A decline in sales to our retail building materials and residential construction markets adversely impacted our margins due to fixed 
manufacturing costs. In addition, as these markets have contracted, competitive pricing pressure has become greater and adversely 
impacted 2011 margins. 

●  We recorded a $2 million loss during the second quarter on a construction project. 
●  Freight costs as a percentage of sales increased primarily due to higher year over year fuel prices and rates charged by carriers due to 

a shortage of capacity. 

SELLING, GENERAL, AND ADMINISTRATIVE EXPENSES 

Selling,  general  and  administrative  ("SG&A")  expenses  increased  by  approximately  $3.3  million,  or  1.9%,  in  2012  compared  to  2011,  while  we 
reported a 4% increase in unit sales. The increase in SG&A was primarily due to increases in accrued bonus and other incentive compensation, 
which is based on profitability and the efficient use of capital. Also, we recorded $3.2 million in loss reserves for certain notes receivable, which 
includes $1.7 million to SG&A expenses and $1.5 million to interest income. These increases were offset by decreases in compensation and related 
expenses and as well as certain other expenses as a result of our continuing efforts to reduce our cost structure. 

Selling,  general  and  administrative  ("SG&A")  expenses  decreased  by  approximately  $16.3  million,  or  8.2%,  in  2011  compared  to  2010,  while  we 
reported a 2% increase in unit sales. The decline in SG&A was primarily due to decreases in compensation and related expenses, accrued bonus 
expense, stock grant expense and several other expenses as a result of our continuing efforts to reduce our cost structure. 

CANADIAN ANTI-DUMPING DUTY ASSESSMENT 

We recorded a $2.3 million loss contingency for a Canadian anti-dumping duty. The Canadian government has imposed retroactive assessments 
for antidumping and countervailing duties tied to certain extruded aluminum products imported from China. While we continue to work with the 
government to clarify the applicability of these rules to our products, we recorded a charge in the third quarter for this matter such that the accrued 
liability is the maximum amount of our exposure. 

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UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

NET LOSS (GAIN) ON DISPOSITION OF ASSETS, EARLY RETIRMENT AND OTHER IMPAIRMENT AND EXIT CHARGES 

We incurred $1.3 million, $6.4 million and $2.0 million of charges in 2012, 2011 and 2010, respectively, relating to asset impairments and other costs 
associated with idled facilities and down-sizing efforts. In 2012, these costs were offset by gains on the sale of certain equipment and real estate 
totaling $8.0 million. See Notes to Consolidated Financial Statements, Note D “Assets Held for Sale and Net Loss (Gain) on Disposition of Assets, 
Early Retirement and Other Impairment and Exit Charges.” 

On June 20, 2011 our chief executive officer resigned and we entered into a consulting and non-competition agreement with him. We accrued for 
the present value of the future payments under the agreement totaling $2.6 million in June 2011, which is included in the amount discussed in the 
preceding paragraph. 

We regularly review the performance of each of our operations and make decisions to permanently or temporarily close operations based on a 
variety of factors including: 

● Current and projected earnings, cash flow and return on investment 
● Current and projected market demand 
● Market share 
● Competitive factors 
● Future growth opportunities 
● Personnel and management 

We currently have 12 operations that are experiencing operating losses and negative cash flow for 2012. The net book value of the long-lived 
assets of these operations, which could be subject to an impairment charge in the future in the event a closure action is taken, was $26.1 million at 
the end of 2012. In addition, these operations had future fixed operating lease payments totaling $0.9 million at the end of 2012. 

INTEREST, NET 

Net interest costs were comparable in 2012 and 2011. Out debt levels in 2012 were slightly lower, however, our borrowing rates were slightly higher 
compared to 2011. 

Net interest costs were comparable in 2011 and 2010 as there were no significant changes in our debt structure or borrowing rates. 

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INCOME TAXES 

UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

Effective tax rates differ from statutory federal income tax rates, primarily due to provisions for state and local income taxes and permanent tax 
differences. Our effective tax rate increased to 36.6% in 2012 compared to 32.7% in 2011. This increase is due in part to the expiration of the R&D 
tax credit offset by the impact of permanent tax differences on higher income. See Notes to Consolidated Financial Statements, Note K, “Income 
Taxes”. 

Our  effective  tax  rate  increased  to  32.7%  in  2011  compared  to  26.6%  in  2010.  This  increase  is  primarily  due  to  removing  a  valuation  allowance 
against a deferred tax asset for a net operating loss carryforward related to one of our wholly-owned foreign subsidiaries that was considered more 
likely than not to be realized. See Notes to Consolidated Financial Statements, Note K, “Income Taxes”. 

OFF-BALANCE SHEET COMMITMENTS AND CONTRACTUAL OBLIGATIONS 

We have no significant off-balance sheet commitments other than operating leases. The following table summarizes our contractual obligations as 
of December 29, 2012 (in thousands). 

Contractual Obligation 
Long-term debt and capital lease obligations 
Estimated interest on long-term debt 
Operating leases 
Capital project purchase obligations 
Total 

Less than 
1 Year 

 $

 $

 $

- 
2,987 
3,930 
3,635     
 $
10,552 

Payments Due by Period 
3 – 5 
Years 

After 
5 Years 

1 – 3 
Years 

 $

- 
5,973 
3,343 

 $

11,090 
5,973 
499 

 $

84,700 
18,162 
64 

9,316 

 $

17,562 

 $

102,926 

 $

Total 

95,790 
33,095 
7,836 
3,635 
140,356 

As  of  December  29,  2012,  we  also  had  $28.7  million  in  outstanding  letters  of  credit  issued  during  the  normal  course  of  business,  as 
required by some vendor contracts. 

The table below presents, for the periods indicated, a summary of our cash flow statement (in thousands): 

LIQUIDITY AND CAPITAL RESOURCES 

Cash from operating activities 
Cash from investing activities 
Cash from financing activities 
Effect of exchange rate changes on cash 
Net change in cash and cash equivalents 
Cash and cash equivalents, beginning of year 
Cash and cash equivalents, end of year 

15

December 29, 
2012 

December 31, 
2011 

December 25, 
2010 

 $

 $

(5,721)
(28,045)
36,695 
244 
3,173 
11,305 
14,478 

 $

 $

11,515 
(33,000)
(10,314)
(259)
(32,058)
43,363 
11,305 

 $

 $

29,267 
(42,773)
(10,611)
70 
(24,047)
67,410 
43,363 

 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
 
  
  
  
  
  
  
  
  
  
  
  
      
      
  
  
 
 
   
   
 
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
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UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

In general, we financed our growth in the past through a combination of operating cash flows, our revolving credit facility, industrial development 
bonds  (when  circumstances  permit),  and  issuances  of  long-term notes payable at times when interest rates are favorable. We have not issued 
equity to finance growth except in the case of a large acquisition. We manage our capital structure by attempting to maintain a targeted ratio of 
debt  to  equity  and  debt  to  earnings  before  interest,  taxes,  depreciation  and  amortization.  We  believe  this  is  one  of  many  important  factors  to 
maintaining a strong credit profile, which in turn helps ensure timely access to capital when needed. We are currently below our internal targets 
and plan to manage our capital structure conservatively in light of current economic conditions. 

Seasonality has a significant impact on our working capital from March to August which historically resulted in negative or modest cash flows 
from operations in our first and second quarters. Conversely, we experience a substantial decrease in working capital from September to February 
which typically results in significant cash flow from operations in our third and fourth quarters. In 2012, higher lumber prices have caused our 
investment in accounts receivable and inventory to increase substantially, mitigating the favorable impact on cash flow in the third and fourth 
quarters that we would typically experience from seasonality. 

Due to the seasonality of our business and the effects of the Lumber Market, we believe our cash cycle (days sales outstanding plus days supply 
of inventory less days payables outstanding) is a good indicator of our working capital management. Our cash cycle decreased to 48 days in 2012 
from 50 days in 2011 due to a 4 day decrease in our days supply of inventory, offset by a 2 day decrease in our days payables outstanding. In 
2012, consumer demand and weather were unexpectedly good resulting in strong sales increases and higher inventory turnover. Conversely, in 
2011 demand and weather were poor, resulting in weak sales and lower inventory turnover. 

Cash used in operating activities was approximately $5.7 million in 2012, which was comprised of net earnings of $26.0 million and $39.2 million of 
non-cash expenses, offset by a $6.9 million net gain on the sale of property, plant and equipment and a $64.0 million increase in working capital 
since the end of 2011. Working capital at the end of 2012 is significantly higher than the end of 2011, primarily due to the impact of higher year over 
year lumber prices. As reflected in the table under the caption “Historical Lumber Prices”, lumber prices were up 33% in the fourth quarter of 2012. 

Capital expenditures were $30.3 million in 2012 and we have outstanding purchase commitments on existing capital projects totaling approximately 
$3.6 million on December 29, 2012, primarily for expansion to support new product offerings and sales growth into new geographic markets. We 
intend to fund capital expenditures and purchase commitments through our operating cash flows and amounts available under our revolving credit 
facility. Capital expenditures were offset by $18.2 million received in proceeds for the sale of property, plant and equipment. 

Cash flows used in investing activities also included $17.0 million spent to acquire the net assets of Nepa Pallet and Container Co., Inc. and MSR 
Forest Products, LLC. See Notes to Unaudited Consolidated Condensed Financial Statements, Note C “Business Combinations”. 

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UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

In 2012, cash flows used in financing activities included $7.9 million of dividends paid to shareholders. Our Board of Directors approved two semi-
annual dividends of $0.20 per share each, which were paid in June and December of 2012. 

On December 17, 2012, we entered into a Note Purchase Agreement under which we issued senior notes in two tranches totaling $75 million. See 
Notes to Unaudited Consolidated Condensed Financial Statements, Note F “Debt”.  A portion of these proceeds were used to retire $40 million 
senior notes due in December 2012 while the balance of the proceeds were used to repay amounts owed under our revolving credit facility. 

On December 29, 2012, we had $11.1 outstanding on our $265 million revolving credit facility, which matures in November of 2016. The revolving 
credit facility supports letters of credit totaling approximately $28.7 million on December 29, 2012. Financial covenants on the unsecured revolving 
credit facility and unsecured senior notes include minimum interest coverage tests and a maximum leverage ratio. The agreements also restrict the 
amount of additional indebtedness we may incur and the amount of assets which may be sold. We were within all of our lending requirements on 
December 29, 2012. 

ENVIRONMENTAL CONSIDERATIONS AND REGULATIONS 

See Notes to Consolidated Financial Statements, Note M, “Commitments, Contingencies, and Guarantees”. 

CRITICAL ACCOUNTING POLICIES 

In  preparing  our  consolidated  financial  statements,  we  follow  accounting  principles  generally  accepted  in  the  United  States.  These  principles 
require us to make certain estimates and apply judgments that affect our financial position and results of operations. We continually review our 
accounting policies and financial information disclosures. Following is a summary of our more significant accounting policies that require the use 
of estimates and judgments in preparing the financial statements. 

ACCOUNTS RECEIVABLE ALLOWANCES 

We record provisions against gross revenues for estimated returns and cash discounts in the period when the related revenue is recorded. These 
estimates are based on factors that include, but are not limited to, historical discounts taken, analysis of credit memorandum activity, and customer 
demand. We also evaluate the allowance for uncollectible accounts receivable and discounts based on historical collection experience and specific 
identification of other potential problems, including the economic climate. Actual collections can differ, requiring adjustments to the allowances. 

17

   
  
 
   
 
 
 
 
 
 
 
 
  
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UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

LONG-LIVED ASSETS AND GOODWILL 

We evaluate long-lived assets for indicators of impairment when events or circumstances indicate that this risk may be present. Our judgments 
regarding the existence of impairment are based on market conditions, operational performance and estimated future cash flows. If the carrying 
value of a long-lived asset is considered impaired, an impairment charge is recorded to adjust the asset to its fair value. Changes in forecasted 
operations  and  changes  in  discount  rates  can  materially  affect  these  estimates.  In  addition,  we  test  goodwill  annually  for  impairment  or  more 
frequently if changes in circumstances or the occurrence of other events suggest impairments exist. The test for impairment requires us to make 
several  estimates  about  fair  value,  most  of  which  are  based  on  projected  future  cash  flows  and  market  valuation  multiples.  Changes  in  these 
estimates may result in the recognition of an impairment loss. 

SELF-INSURANCE RESERVES 

We  are  primarily  self-insured  for  certain  employee  health  benefits,  and  have  self-funded  retentions  for  general  liability,  automobile  liability, 
property  and  workers'  compensation.  We  are  fully  self-insured  for  environmental  liabilities.  The  general  liability,  automobile  liability,  property, 
workers'  compensation,  and  certain  environmental  liabilities  are  managed  through  a  wholly-owned  insurance  captive;  the  related  assets  and 
liabilities  of  which  are  included  in  the  consolidated  financial  statements  as  of  December  29,  2012.  Our  accounting  policies  with  respect  to  the 
reserves are as follows: 

●  General  liability,  automobile,  property  and  workers'  compensation  reserves  are  accrued  based  on  third  party  actuarial  valuations  of  the 

expected future liabilities. 

●  Health benefits are self-insured by us up to our pre-determined stop loss limits. These reserves, including incurred but not reported claims, are 

based on internal computations. These computations consider our historical claims experience, independent statistics, and trends. 

●  The environmental reserve is based on known remediation activities at certain wood preservation facilities and the potential for undetected 
environmental matters at other sites. The reserve for known activities is based on expected future costs and is computed by in-house experts 
responsible for managing our monitoring and remediation activities. 

INCOME TAXES 

Deferred income tax assets and liabilities are computed for differences between the financial statement and tax basis of assets and liabilities that 
will result in taxable or deductible amounts in the future. Such deferred income tax asset and liability computations are based on enacted tax laws 
and  rates.  Valuation  allowances  are  established  when  necessary  to  reduce  deferred  income  tax  assets  to  the  amounts  expected  to  be  realized. 
Income tax expense is the tax payable or refundable for the period plus or minus the change during the period in deferred income tax assets and 
liabilities. 

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UNIVERSAL FOREST PRODUCTS, INC. 

MANAGEMENT’S DISCUSSION AND ANALYSIS OF 

FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

Tax laws are complex and subject to different interpretations by taxpayers and respective government taxing authorities, which results in judgment 
in  determining  our  tax  expense  and  in  evaluating  our  tax  positions.  Our  tax  positions  are  reviewed  quarterly  and  adjusted  as  new  information 
becomes available. 

REVENUE RECOGNITION 

Earnings on construction contracts are reflected in operations using percentage-of-completion accounting, under either cost to cost or units of 
delivery  methods,  depending  on  the  nature  of  the  business  at  individual  operations.  Under  percentage-of-completion  using  the  cost  to  cost 
method, revenues and related earnings on construction contracts are measured by the relationships of actual costs incurred related to the total 
estimated costs. Under percentage-of-completion using the units of delivery method, revenues and related earnings on construction contracts are 
measured by the relationships of actual units produced related to the total number of units. Revisions in earnings estimates on the construction 
contracts are recorded in the accounting period in which the basis for such revisions becomes known. Projected losses on individual contracts are 
charged to operations in their entirety when such losses become apparent. 

LONG-TERM GOALS 

FORWARD OUTLOOK 

The pace of the economic recovery and in particular, the recovery of the housing market, has been much slower than we or industry analysts 
anticipated,  but  improvements  are  slowly  being  seen.  With  the  assumption  that  housing  starts  will  increase  to  1.5  million  starts  and  lead  to  a 
broader economy favorably impacting all of our markets, we are targeting goals of achieving $3 billion in sales and returning to operating margins 
at normal historical levels by 2017. 

Our general long-term objectives continue to be to: 

●  Achieve sales growth through new product introduction, international business expansion, and gaining additional share, particularly of our 

industrial and concrete forming markets; 

● 

Increase our profitability through cost reductions, productivity improvements as volume improves, and a more favorable mix of higher margin 
value-added products; 

●  And earn a return on invested capital in excess of our weighted average cost of capital. 

RETAIL BUILDING MATERIALS MARKET 

Harvard’s Joint Center for Housing Studies projects a rebound for home improvement activity in 2013. An increase in consumer spending in the 
second half of 2012 suggests a remodeling recovery may already be underway, and analysts believe annual homeowner improvement spending will 
see accelerating growth through the third quarter of 2013. The Home Improvement Research Institute (“HIRI”) also anticipates growth in home 
improvement spending and has forecasted a 4.0% growth rate in 2013. HIRI’s long-term forecast is for spending to grow up to 5.9% by 2015. 

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UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

As a result of our recently completed proposal process with customers for 2013 business, we believe we have gained market share with certain 
“big box” and independent retail customers. However, we continue to face intense pricing pressure from other suppliers to this market. 

Our long-term goal is to achieve sales growth by: 

● 

Increasing market share of value-added products and preservative-treated products.  

●  Developing new value-added products, such as our Eovations product line, and services for this market. 

●  Adding new products or new markets through strategic business acquisitions or alliances. 

● 

Increasing our emphasis on product innovation and product differentiation in order to counter commoditization trends and influences. 

INDUSTRIAL MARKET 

Our goal is to increase our sales of wood and alternative packaging products to a wide variety of industrial and OEM users. We believe the vast 
amount  of  hardwood  and  softwood  lumber  consumed  for  industrial  applications,  combined  with  the  highly  fragmented  nature  of  this  market 
provides us with significant growth opportunities as a result of our competitive advantages in manufacturing, purchasing, and material utilization. 
We plan to continue to obtain market share through increasing the utilization of our current manufacturing capabilities and dedicated industrial 
sales  force.  We  plan  to  evaluate  strategic  acquisition  opportunities,  expansion  opportunities at  existing  locations  and diversify  our  product 
offering to customers. 

MANUFACTURED HOUSING MARKET 

The National Association of Home Builders forecasts a 13% increase in manufactured home shipments in 2013. Over the long term, we believe the 
HUD code market will regain a greater share of the overall housing market as credit conditions normalize and as consumers seek more affordable 
housing alternatives. 

20

 
  
   
 
 
  
 
 
  
 
 
 
  
  
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UNIVERSAL FOREST PRODUCTS, INC. 

MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

We  anticipate  modular  housing  will  gain  additional  share  of  the housing  market  as  developers  try  to  control  the building  environment and 
costs. We will strive to maintain our market share of trusses produced for the modular market as a result of our strong relationships with modular 
builders, design services and proprietary products. 

We plan to continue to expand our product offering to distribute additional products to our manufactured housing customers. We may continue to 
rely upon strategic business acquisitions to help us achieve this goal. 

RESIDENTIAL CONSTRUCTION MARKET 

The Mortgage Bankers Association of America forecasts a 19% increase in national housing starts to an estimated 926,000 starts in 2013. The 
National Association of Home Builders forecasts starts of 932,000, a 20% increase from 2012. In 2013, we believe we are well-positioned to capture 
our share of any increase that may occur in housing starts. However, due to our focus on profitability and cash flow, our growth may continue to 
trail the market in 2013. 

On a long-term basis, we anticipate growth in our sales to the residential construction market as market conditions improve and as a result of 
market share gains as weaker competitors exit the market.  

COMMERCIAL CONSTRUCTION AND CONCRETE FORMING MARKET 

It  continues  to  be  our  long  term  objective  to  gain  additional  share  of  the  concrete  forming  market  through  our  ability  to  provide  value-added 
products and services to customers in this market. 

GROSS PROFIT 

We believe the following factors may impact our gross profits and margins in 2013: 

●  End market demand. 

•  Our ability to maintain market share and gross margins on products sold to our largest customers. We believe our level of service, geographic 
diversity,  and  quality  of  products  provides  an  added  value  to  our  customers.  However,  if  our  customers  are  unwilling  to  pay  for  these 
advantages, our sales and gross margins may be reduced. Excess capacity exists for suppliers in each of our five markets. As a result, we have 
experienced significant pricing pressure which we expect to continue. 

●  We gained market share with retail building materials customers. 

●  Product mix. 

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UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

●  Fluctuations in the relative level of the Lumber Market and the trend in the market place of lumber. (See "Impact of the Lumber Market on our 

Operating Results.") 

●  Fuel and transportation costs. 

●  Our ability to continue to achieve productivity improvements and planned cost reductions through our continuous improvement and other 

initiatives. 

SELLING, GENERAL, AND ADMINISTRATIVE EXPENSES 

Throughout  the  downturn  in  housing  and  the  general  economy  we  have  continuously  taken  actions  to  close  plants  to  better  align  our 
manufacturing  capacity  with  the  current  business  environment  and  reduce  our  headcount  and  certain  overhead  costs  to  better  align  our  cost 
structure with current demand and sales. We will continue to manage our cost structure conservatively based on market conditions, and will strive 
to  minimize  increases  in  these  costs  in  the  future  when  market  conditions  improve  and  we  achieve  our  growth  objectives.  In  addition,  bonus 
expense for all salaried employees is based on operating profits and return on investment and will continue to fluctuate based on our operating 
results. 

On a long-term basis, we expect that our SG&A expenses will primarily be impacted by: 

    ●  Our  growth  in  sales  to  the  industrial  market  and,  when  industry  conditions  improve,  the  residential  construction  market.  Our  sales  to 

these markets require a higher ratio of SG&A costs due, in part, to product design requirements. 

    ●  Sales of new products which may require higher development, marketing, and advertising costs. 

    ●  Our incentive compensation program which is tied to pre-bonus operating profits and return on investment. 

    ●  Our growth and success in achieving continuous improvement objectives and leveraging our fixed costs. 

22

 
  
 
 
 
 
 
 
 
 
 
 
  
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UNIVERSAL FOREST PRODUCTS, INC. 
MANAGEMENT’S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - CONTINUED 

LIQUIDITY AND CAPITAL RESOURCES 

Our cash cycle will continue to be impacted in the future by our mix of sales by market. Sales to the residential construction and industrial markets 
require a greater investment in working capital (inventory and accounts receivable) than our sales to the retail building materials and manufactured 
housing markets. Our investment in trade receivables and inventory will continue to be impacted by the level of lumber prices. 

Management  expects  to  spend  $35  to  $40  million  on  capital  expenditures  in  2013  and  incur  depreciation  of  approximately  $30  million  and 
amortization  and  other  non-cash  expenses  of  approximately  $5  million.  On  December  29,  2012,  we  had  outstanding  purchase  commitments  on 
capital projects of approximately $3.6 million. We intend to fund capital expenditures and purchase commitments through our operating cash flows 
and availability under our revolving credit facility which is considered sufficient to meet these commitments and working capital needs. 

We  have  no  present plan  to  change  our  dividend  policy,  which  is  currently  $0.20  per  share  paid  semi-annually.  We  will  continue  to  evaluate 
dividends in light of United States tax law changes. 

Our Board of Directors has approved a share repurchase program, and as of December 29, 2012, we have authorization to buy back approximately 3 
million shares. In the past, we have repurchased shares in order to offset the effect of issuances resulting from our employee benefit plans and at 
opportune times when our stock price falls to predetermined levels. 

23

   
  
  
   
 
 
 
 
  
  
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Management’s Annual Report on Internal Control Over Financial Reporting 

The  management  of  Universal  Forest  Products,  Inc.  is  responsible  for  establishing  and  maintaining  adequate  internal  control  over  financial 
reporting. Our internal control system was designed to provide reasonable assurance to us and the Board of Directors regarding the preparation 
and fair presentation of published financial statements. 

All internal control systems, no matter how well designed, have inherent limitations. Therefore, even those systems determined to be effective can 
provide only reasonable assurance with respect to financial statement preparation and presentation.  

We assessed the effectiveness of our internal control over financial reporting as of December 29, 2012, and management has concluded that as of 
December 29, 2012, our internal control over financial reporting was effective. 

The effectiveness of the Company’s internal control over financial reporting has been audited by Ernst & Young LLP, an independent registered 
public accounting firm, as stated in their report, which follows our report. 

Universal Forest Products, Inc. 

February 26, 2013 

24

 
 
 
 
 
  
 
  
  
Table of Contents

Report of Independent Registered Public Accounting Firm 

The Board of Directors and Shareholders of Universal Forest Products, Inc. 

We  have  audited  Universal  Forest  Products,  Inc.  and  subsidiaries  internal  control  over  financial  reporting  as  of  December  29,  2012,  based  on 
criteria established in Internal Control–Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission 
(the COSO criteria). Universal Forest Products, Inc. and subsidiaries’ management is responsible for maintaining effective internal control over 
financial  reporting,  and  for  its  assessment  of  the  effectiveness  of  internal  control  over  financial  reporting  included  in  the  accompanying 
Management’s Annual Report on Internal Control over Financial Reporting. Our responsibility is to express an opinion on the Company’s internal 
control over financial reporting based on our audit. 

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

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

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

In  our  opinion,  Universal  Forest  Products,  Inc.  and  subsidiaries  maintained,  in  all  material  respects,  effective  internal  control  over  financial 
reporting as of December 29, 2012, based on the COSO criteria. 

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the consolidated 
balance sheets of Universal Forest Products, Inc. and subsidiaries as of December 29, 2012 and December 31, 2011 and the related consolidated 
statements of earnings and comprehensive income, shareholder’s equity, and cash flows for each of the three fiscal years in the period ended 
December 29, 2012, and our report dated February 26, 2013 expressed an unqualified opinion thereon. 

/s/ Ernst & Young LLP 

Grand Rapids, Michigan 
February 26, 2013 

25

   
  
  
 
  
  
  
  
  
  
  
  
  
  
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The Board of Directors and Shareholders of Universal Forest Products, Inc. 

Report of Independent Registered Public Accounting Firm 

We have audited the accompanying consolidated balance sheets of Universal Forest Products, Inc. and subsidiaries as of December 29, 2012 and 
December 31, 2011, and the related consolidated statements of earnings and comprehensive income, shareholders’ equity, and cash flows for each 
of the three fiscal years in the period ended December 29, 2012. These financial statements are the responsibility of Company’s management. Our 
responsibility is to express an opinion on these financial statements based on our audits. 

We conducted our audits in accordance with the standards of 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 also includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also 
includes  assessing  the  accounting  principles  used  and  significant  estimates  made  by  management,  as  well  as  evaluating  the  overall  financial 
statement presentation. We believe that our audits provide a reasonable basis for our opinion. 

In our opinion, the financial statements referred to above present fairly, in all material respects, the consolidated financial position of Universal 
Forest Products, Inc. and subsidiaries at December 29, 2012 and December 31, 2011, and the consolidated results of their operations and their cash 
flows for each of the three fiscal years in the period ended December 29, 2012, in conformity with U.S. generally accepted accounting principles. 

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), Universal Forest 
Products, Inc. and subsidiaries’ internal control over financial reporting as of December 29, 2012, based on criteria established in Internal Control–
Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission, and our report dated February 26, 2013, 
expressed an unqualified opinion thereon. 

/s/ Ernst & Young LLP 

Grand Rapids, Michigan 
February 26, 2013 

26

 
 
 
 
 
 
   
  
 
  
  
UNIVERSAL FOREST PRODUCTS, INC. 
CONSOLIDATED BALANCE SHEETS 

Table of Contents

(In thousands, except share data) 

ASSETS 
CURRENT ASSETS: 

Cash and cash equivalents 
Restricted cash 
Accounts receivable, net 
Inventories: 

Raw materials 
Finished goods 

Total inventories 
Refundable income taxes 
Deferred income taxes 
Other current assets 

TOTAL CURRENT ASSETS 

DEFERRED INCOME TAXES 
OTHER ASSETS 
GOODWILL 
INDEFINITE-LIVED INTANGIBLE ASSETS 
OTHER INTANGIBLE ASSETS, NET 
PROPERTY, PLANT AND EQUIPMENT: 

Land and improvements 
Building and improvements 
Machinery and equipment 
Furniture and fixtures 
Construction in progress 

PROPERTY, PLANT AND EQUIPMENT, GROSS 

Less accumulated depreciation and amortization 

PROPERTY, PLANT AND EQUIPMENT, NET 

TOTAL ASSETS 

27

  December 29,     December 31,  

2012 

2011 

  $

  $

7,647    $
6,831     
163,225     

136,201     
106,979     
243,180     
7,521     
9,212     
15,557     
453,173     

1,759     
14,583     
159,316     
2,340     
8,101     

108,545     
165,307     
239,175     
23,750     
6,818     
543,595     
(322,327)    
221,268     
860,540    $

10,652 
653 
127,316 

111,526 
83,171 
194,697 
3,482 
9,694 
11,700 
358,194 

- 
15,380 
154,702 
2,340 
10,924 

112,042 
164,757 
231,125 
26,404 
2,880 
537,208 
(314,741)
222,467 
764,007 

  
  
  
  
 
 
 
   
 
   
     
 
   
     
 
   
   
   
      
  
   
   
   
   
   
   
   
 
   
      
  
   
   
   
   
   
   
      
  
   
   
   
   
   
   
   
   
  
UNIVERSAL FOREST PRODUCTS, INC. 
CONSOLIDATED BALANCE SHEETS 

Table of Contents

(In thousands, except share data) 

LIABILITIES AND SHAREHOLDERS' EQUITY 
CURRENT LIABILITIES: 
Accounts payable 
Accrued liabilities: 

Compensation and benefits 
Other 

Current portion of long-term debt 

TOTAL CURRENT LIABILITIES 

LONG-TERM DEBT, less current portion 
DEFERRED INCOME TAXES 
OTHER LIABILITIES 

TOTAL LIABILITIES 

SHAREHOLDERS' EQUITY: 

Controlling interest shareholders' equity: 

Preferred stock, no par value; shares authorized 1,000,000; issued and outstanding, none 
Common stock, no par value; shares authorized 40,000,000; issued and outstanding, 19,799,606 and 

19,623,803 

Additional paid-in capital 
Retained earnings 
Accumulated other comprehensive earnings 
Employee stock notes receivable 

Total controlling interest shareholders' equity 

Noncontrolling interest 

TOTAL SHAREHOLDERS' EQUITY 

TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY 

See notes to consolidated financial statements. 

28

December 
29, 
2012 

December 
31, 
2011 

  $

66,054    $

49,433 

34,728     
14,002     
-     
114,784     

95,790     
24,930     
17,511     
253,015     

  $

  $

19,800    $
149,805     
426,887     
4,258     
(982)    
599,768     
7,757     
607,525     
860,540    $

30,920 
12,172 
40,270 
132,795 

12,200 
19,049 
17,364 
181,408 

19,624 
143,988 
410,848 
3,600 
(1,255)
576,805 
5,794 
582,599 
764,007 

   
  
  
  
  
   
  
 
   
     
 
   
     
 
   
      
  
   
      
  
   
   
   
   
 
   
      
  
   
   
   
   
 
   
      
  
   
      
  
   
      
  
   
      
  
   
   
   
   
   
   
   
  
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(In thousands, except per share data) 

UNIVERSAL FOREST PRODUCTS, INC. 
CONSOLIDATED STATEMENTS OF EARNINGS 

Year Ended 
  December 29,     December 31,     December 25,  
2011 

2010 

2012 

NET SALES 

COST OF GOODS SOLD 

GROSS PROFIT 

SELLING, GENERAL AND ADMINISTRATIVE EXPENSES 
CANADIAN ANTI-DUMPING DUTY 
NET LOSS (GAIN) ON DISPOSITION OF ASSETS, 

EARLY RETIREMENT AND OTHER 
IMPAIRMENT AND EXIT CHARGES 

EARNINGS FROM OPERATIONS 

INTEREST EXPENSE 
INTEREST INCOME 
EQUITY IN EARNINGS OF INVESTEE 

EARNINGS BEFORE INCOME TAXES 

INCOME TAXES 

NET EARNINGS 

  $

2,054,933    $

1,822,336    $

1,890,851 

1,829,824     

1,622,609     

1,660,896 

225,109     

199,727     

229,955 

184,919     
2,328     

181,363     
-     

197,617 
- 

(6,666)    

6,353     

2,049 

44,528     

12,011     

30,289 

4,053     
(510)    
(79)    
3,464     

3,732     
(566)    
58     
3,224     

3,549 
(301)
(70)
3,178 

41,064     

8,787     

27,111 

15,054     

2,874     

7,200 

26,010     

5,913     

19,911 

LESS NET EARNINGS ATTRIBUTABLE TO NONCONTROLLING INTEREST 

(2,076)    

(1,364)    

(2,500)

NET EARNINGS ATTRIBUTABLE TO CONTROLLING INTEREST 

EARNINGS PER SHARE - BASIC 

EARNINGS PER SHARE - DILUTED 

OTHER COMPRESHENSIVE INCOME: 

  $

  $

  $

23,934    $

4,549    $

17,411 

1.21    $

0.23    $

1.21    $

0.23    $

0.91 

0.89 

FOREIGN CURRENCY TRANSLATION ADJUSTMENTS 

980     

(1,067)    

697 

COMPREHENSIVE INCOME 

26,990     

4,846     

20,608 

LESS COMPREHENSIVE INCOME ATTRIBUTABLE TO NONCONTROLLING INTEREST 

(2,398)    

(862)    

(2,665)

COMPREHENSIVE INCOME ATTRIBUTABLE TO CONTROLLING INTERST 

  $

24,592    $

3,984    $

17,943 

See notes to consolidated financial statements. 

29

  
  
  
  
   
  
 
 
 
 
 
 
   
   
 
 
   
     
     
 
 
   
      
      
  
   
 
   
      
      
  
   
 
   
      
      
  
   
   
   
      
      
  
   
      
      
  
   
 
   
      
      
  
   
 
   
      
      
  
   
   
   
 
   
 
   
      
      
  
   
 
   
      
      
  
   
 
   
      
      
  
   
 
   
      
      
  
   
 
   
      
      
  
 
   
      
      
  
 
   
      
      
  
 
   
      
      
  
   
      
      
  
 
   
      
      
  
   
 
   
      
      
  
   
 
   
      
      
  
   
 
   
      
      
  
  
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UNIVERSAL FOREST PRODUCTS, INC. 
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY 

(In thousands, except share and per share data) 

Controlling Interest Shareholders' Equity 

Common  
Stock 

Additional  
Paid-In  
Capital 

Retained  
Earnings 

Accumulat- 
ed Other  
Comprehen- 
sive  
Earnings 

Employees  
Stock  
Notes  
Receivable     

Noncontrolling  
Interest 

19,285    $

132,765    $

409,278    $
17,411     

3,633    $

(1,743)   $

532     

5,728    $
2,500     

165     

450     

Total 
568,946 
19,911 

697 

450 

(295)    

(932)    

(1,227)

(1,244)    

(1,244)

Balance at December 26, 2009   $
Net earnings 
Foreign currency translation 

adjustment 

Capital contribution from 
noncontrolling interest 

Purchase of additional 

noncontrolling interest 

Distributions to noncontrolling 

interest 

Cash dividends - $0.400 per 

share 

Issuance of 111,258 shares 

Issuance of 73,857 shares 

under stock grant programs     

Issuance of 9,046 shares under 

deferred compensation plans    
Repurchase of 144,900 shares     
Tax benefits from non-qualified 

stock options exercised 

Expense associated with share-

based compensation 
arrangements 

Accrued expense under 

deferred compensation plans    

Issuance of 1,298 shares in 

exchange for employee stock 
notes receivable 

Note receivable adjustment 
Payments received on 

employee stock notes 
receivable 

under employee stock plans     

111     

2,222     

(7,727)    

(4,854)    

74     

9     
(145)    

140     

(9)    

598     

2,418     

776     

1     
(2)    

49     
(91)    

(50)    
42     

Balance at December 25, 2010   $

19,333    $

138,573    $

414,108    $

4,165    $

30

81     
(1,670)   $

6,667    $

81 
581,176 

(7,727)

2,333 

214 

- 
(4,999)

598 

2,418 

776 

- 
(51)

  
  
 
  
 
 
     
     
 
 
 
   
   
   
   
   
 
   
      
      
      
      
   
      
      
      
      
   
      
      
      
      
      
   
      
      
      
      
   
      
      
      
      
      
   
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
   
      
      
      
      
      
   
      
      
      
      
      
      
      
      
      
      
   
      
      
      
   
      
      
      
   
      
      
      
      
      
  
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UNIVERSAL FOREST PRODUCTS, INC. 
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY 

(In thousands, except share and per share data) 

Controlling Interest Shareholders' Equity

Common  
Stock 

Additional  
Paid-In  
Capital 

Retained  
Earnings 

Accumulat-  
ed Other  
Comprehen-  
sive Earnings    

Employees  
Stock  
Notes 
Receivable 

4,549     

Noncontrolling  
Interest 

Total

1,364     

5,913 

(565)    

(502)    

(1,067)

Net earnings 
Foreign currency translation 

adjustment 

Capital contribution from 
noncontrolling interest 

Purchase of additional 
Current portion of long-term 

debt 

Distributions to noncontrolling 

interest 

Cash dividends - $0.400 per 

share 

Issuance of 137,029 shares 

under employee stock plans     

Issuance of 150,376 shares 

under stock grant programs     

Issuance of 7,995 shares under 

deferred compensation plans    
Tax benefits from non-qualified 

stock options exercised 

Expense associated with share-

based compensation 
arrangements 

Accrued expense under 

deferred compensation plans    

Note receivable adjustment 
Payments received on 

employee stock notes 
receivable 

(7,818)    

9     

137     

150     

8     

(4)    

2,834     

8     

(8)    

684     

1,361     

744     
(208)    

Balance at December 31, 2011   $

19,624    $

143,988    $

410,848    $

3,600    $

31

80     

80 

(402)    

(402)

(1,413)    

(1,413)

(7,818)

2,971 

167 

- 

684 

1,361 

744 
(3)

209     

206     
(1,255)   $

5,794    $

206 
582,599 

  
  
  
  
 
 
     
 
     
 
 
 
 
   
   
   
   
   
 
   
      
      
      
      
   
      
      
      
      
   
      
      
      
      
      
   
      
      
      
      
      
      
  
   
      
      
      
      
      
   
      
      
      
      
      
   
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
   
      
      
      
      
      
   
      
      
      
      
      
      
      
      
      
      
   
      
      
      
   
      
      
      
      
      
  
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UNIVERSAL FOREST PRODUCTS, INC. 
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY 

(In thousands, except share and per share data) 

Controlling Interest Shareholders' Equity

Common  
Stock 

Additional  
Paid-In  
Capital 

Retained  
Earnings 

Accumulat-  
ed Other  
Comprehen-  
sive Earnings    

Employees  
Stock  
Notes  
Receivable 

23,934     

658     

Noncontrolling  
Interest 

Total

2,076     

26,010 

322     

436     

980 

436 

(871)    

(871)

(7,905)    

1,971     

37     

10     

(37)    

765     

1,270     

1,836     
(25)    

90     

50     

37     

(1)    

(7,905)

2,061 

97 

- 

765 

1,270 

1,836 
1 

27     

246     
(982)   $

7,757    $

246 
607,525 

Net earnings 
Foreign currency translation 

adjustment 

Capital contribution from 
noncontrolling interest 

Distributions to noncontrolling 

interest 

Cash dividends - $0.400 per 

share 

Issuance of 89,574 shares 

under employee stock plans     

Issuance of 49,536 shares 

under stock grant programs     

Issuance of 37,437 shares 

under deferred 
compensation plans 

Tax benefits from non-qualified 

stock options exercised 

Expense associated with share-

based compensation 
arrangements 

Accrued expense under 

deferred compensation plans    

Note receivable adjustment 
Payments received on 

employee stock notes 
receivable 

Balance at December 29, 2012   $

19,800    $

149,805    $

426,887    $

4,258    $

See notes to consolidated financial statements 

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(In thousands) 

UNIVERSAL FOREST PRODUCTS, INC. 
CONSOLIDATED STATEMENTS OF CASH FLOWS 

Year Ended 
  December 29,     December 31,     December 25,  
2011 

2012 

2010 

CASH FLOWS FROM OPERATING ACTIVITIES: 
Net earnings 
Adjustments to reconcile net earnings attributable to controlling interest to net cash from 

  $

26,010    $

5,913    $

19,911 

operating activities: 
Depreciation 
Amortization of intangibles 
Expense associated with share-based compensation arrangements 
Excess tax benefits from share-based compensation arrangements 
Expense associated with stock grant plans 
Loss reserve on notes receivable 
Deferred income taxes (credit) 
Equity in earnings of investee 
Net (gain) loss on sale or impairment of property, plant and equipment 
Changes in: 

Accounts receivable 
Inventories 
Accounts payable 
Accrued liabilities and other 

NET CASH FROM OPERATING ACTIVITIES 

CASH FLOWS FROM INVESTING ACTIVITIES: 
Purchases of property, plant and equipment 
Proceeds from sale of property, plant and equipment 
Acquisitions, net of cash received 
Purchase of patents & product technology 
Advances on notes receivable 
Collections on notes receivable 
Cash restricted as to use
Other, net 

NET CASH FROM INVESTING ACTIVITIES 

CASH FLOWS FROM FINANCING ACTIVITIES: 
Net borrowings (repayments) under revolving credit facilities 
Repayment of long-term debt 
Borrowings of long-term debt 
Debt issuance costs 
Proceeds from issuance of common stock 
Purchase of additional noncontrolling interest 
Distributions to noncontrolling interest 
Capital contribution from noncontrolling interest 
Dividends paid to shareholders 
Repurchase of common stock 
Excess tax benefits from share-based compensation arrangements 
Other, net 

NET CASH FROM FINANCING ACTIVITIES 

Effect of exchange rate changes on cash 
NET CHANGE IN CASH AND CASH EQUIVALENTS 
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR 

30,461     
2,918     
1,270     
(75)    
97     
2,131     
2,526     
(79)    
(6,890)    

(32,274)    
(45,529)    
16,281     
(2,568)    
(5,721)    

(30,344)    
18,240     
(16,974)    
(95)    
(1,183)    
2,839     
 (6,178)    
(528)    
(34,223)    

11,090     
(42,774)    
75,000     
(266)    
2,061     
-     
(871)    
281     
(7,905)    
-     
75     
4     
36,695     

244     
(3,005)    
10,652     

30,804     
5,183     
1,361     
(36)    
167     
-     
(1,939)    
58     
2,490     

(6,784)    
(4,496)    
(9,964)    
(11,242)    
11,515     

(32,932)    
1,814     
-     
(175)    
(2,468)    
472     
 10     
289     
(32,990)    

(2,109)    
(745)    
-     
(946)    
2,971     
(402)    
(1,413)    
80     
(7,818)    
-     
36     
32     
(10,314)    

(259)    
(32,048)    
42,700     

30,429 
6,919 
2,418 
(430)
214 
- 
(2,708)
(70)
1,239 

(18,498)
(24,946)
9,646 
5,143 
29,267 

(26,950)
835 
(6,529)
(4,589)
(5,780)
227 
175 
13 
(42,598)

2,109 
(744)
- 
- 
2,333 
(1,227)
(1,244)
450 
(7,727)
(4,999)
430 
8 
(10,611)

70 
(23,872)
66,572 

CASH AND CASH EQUIVALENTS, END OF PERIOD 

  $

7,647    $

10,652    $

42,700 

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(In thousands) 

UNIVERSAL FOREST PRODUCTS, INC. 
CONSOLIDATED STATEMENTS OF CASH FLOWS 
(Continued) 

Year Ended 
  December 29,     December 31,     December 25,  
2011 

2012 

2010 

SUPPLEMENTAL SCHEDULE OF CASH FLOW INFORMATION: 

Interest paid 
Income taxes paid 

  $

3,982    $
16,751     

3,654    $
6,163     

3,554 
(1,698)

NON-CASH FINANCING ACTIVITIES: 
Common stock issued under deferred compensation plans 

See notes to consolidated financial statements 

34

1,310     

246     

306 

  
 
 
  
 
 
 
 
 
 
   
   
 
   
     
     
 
   
 
   
      
      
  
 
   
      
      
  
   
      
      
  
   
  
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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS 

A. 

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES 

OPERATIONS 

We design, manufacture and market wood and wood-alternative products for retail building materials home centers and other retailers, 
structural  lumber  and  other  products  for  the  manufactured  housing  industry,  engineered  wood  components  for  the  residential 
construction  market,  and  specialty  wood  packaging  and  components  and  packing  materials  for  various  industries.  We  also  provide 
framing services for the residential market and forming products for concrete construction. Our consumer products operations offer a 
large portfolio of outdoor living products, including wood composite decking, decorative balusters, post caps and plastic lattice. Its lawn 
and garden group offers an array of products, such as trellises and arches, to retailers nationwide. 

PRINCIPLES OF CONSOLIDATION 

The  consolidated  financial  statements  include  our  accounts  and  those  of  our  wholly-owned  and  majority-owned  subsidiaries  and 
partnerships. In addition, we consolidate 50% owned entities over which we exercise control. Intercompany transactions and balances 
have been eliminated. 

NONCONTROLLING INTEREST IN SUBSIDIARIES 

Noncontrolling  interest  in  results  of  operations  of  consolidated  subsidiaries  represents  the  noncontrolling  shareholders'  share  of  the 
income or loss of various consolidated subsidiaries. The noncontrolling interest reflects the original investment by these noncontrolling 
shareholders combined with their proportional share of the earnings or losses of these subsidiaries, net of distributions paid. 

FISCAL YEAR 

Our fiscal year is a 52 or 53 week period, ending on the last Saturday of December. Unless otherwise stated, references to 2012, 2011, and 
2010 relate to the fiscal years ended December 29, 2012, December 31, 2011, and December 25, 2010, respectively. Fiscal years 2012 and 
2010 were comprised of 52 weeks. Fiscal year 2011 was comprised of 53 weeks. 

FAIR VALUE DISCLOSURES OF FINANCIAL INSTRUMENTS 

We follow ASC Topic 820, Fair Value Measurements and Disclosures, which provides a consistent definition of fair value, focuses on 
exit  price,  prioritizes  the  use  of  market-based  inputs  over  entity-specific  inputs  for  measuring  fair  value  and  establishes  a  three-tier 
hierarchy for fair value measurements. This topic requires fair value measurements to be classified and disclosed in one of the following 
three categories: 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

Ÿ  Level 1 — Financial instruments with unadjusted, quoted prices listed on active market exchanges. 
Ÿ  Level  2 —  Financial instruments lacking unadjusted, quoted prices from active market exchanges, including over-the-counter 
traded financial instruments. Financial instrument values are determined using prices for recently traded financial instruments 
with similar underlying terms and direct or indirect observational inputs, such as interest rates and yield curves at commonly 
quoted intervals. 

Ÿ  Level 3 — Financial instruments not actively traded on a market exchange and there is little, if any, market activity. Values are 

determined using significant unobservable inputs or valuation techniques. 

CASH AND CASH EQUIVALENTS 

Cash and cash equivalents consist of cash and highly-liquid investments purchased with an original maturity of three months or less. 
There were no cash equivalents as of December 29, 2012. Cash equivalents totaled approximately $5.4 million as of December 31, 2011. 

Restricted cash consists of amounts held in escrow for the purchase of the operating assets of Custom Caseworks, Inc. totaling $6.3 
million as of December 29, 2012 and the amount required to be held for loss funding totaling $0.5 million and $0.7 million as of December 
29, 2012 and December 31, 2011, respectively. 

ACCOUNTS RECEIVABLE AND ALLOWANCES 

We perform periodic credit evaluations of our customers and generally do not require collateral. Accounts receivable are due under a 
range of terms we offer to our customers. Discounts are offered, in most instances, as an incentive for early payment. 

We  base  our  allowances  related  to  receivables  on  historical  credit  and  collections  experience,  and  the  specific  identification  of  other 
potential  problems,  including  the  general  economic  climate.  Actual  collections  can  differ,  requiring  adjustments  to  the  allowances. 
Individual accounts receivable balances are evaluated on a monthly basis, and those balances considered uncollectible are charged to the 
allowance. 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

The following table presents the activity in our accounts receivable allowances (in thousands): 

    Additions 
    Charged to 
    Costs and 
Expenses 

  Beginning 

Balance 

    Deductions*     

Ending 
Balance 

Year Ended December 29, 2012: 
Allowance for possible losses on accounts 

receivable 

  $

2,053    $

16,687    $

(16,190)   $

2,550 

Year Ended December 31, 2011: 
Allowance for possible losses on accounts 

receivable 

  $

2,611    $

18,144    $

(18,702)   $

2,053 

Year Ended December 25, 2010: 
Allowance for possible losses on accounts 

receivable 

  $

2,897    $

14,967    $

(15,253)   $

2,611 

* Includes accounts charged off, discounts given to customers and actual customer returns and allowances. 

We record estimated sales returns, discounts, and other applicable adjustments as a reduction of net sales in the same period revenue is 
recognized. 

NOTES RECEIVABLE AND ALLOWANCES 

We have written agreements to receive repayment of funds borrowed from us, consisting of principal as well as any accrued interest, at a 
specified future date. We record a valuation allowance relating to these agreements for the portion that is expected to be uncollectible. 
The current portion of notes receivable, net of allowance, totaled $0.2 million and $1.1 million at December 29, 2012 and December 31, 2011, 
respectively and are included in “Other Current Assets”. The long-term portion of notes receivable, net of allowance, totaled $7.7 million 
and $9.6 million at December 29, 2012 and December 31, 2011, respectively and are included in “Other Assets”. 

The following table presents the activity in our notes receivable allowances (in thousands): 

Year Ended December 29, 2012: 
Allowance for possible losses on Notes 

receivable 

 $

- 

 $

3,226 

 $

- 

 $

3,226 

Beginning  
Balance 

    Additions 

    Deductions     

Ending  
Balance 

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INVENTORIES 

UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

Inventories  are  stated  at  the  lower  of  cost  or  market.  The  cost  of  inventories  includes  raw  materials,  direct  labor,  and  manufacturing 
overhead. Cost is determined on a weighted average basis. Raw materials consist primarily of unfinished wood products expected to be 
manufactured or treated prior to sale, while finished goods represent various manufactured and treated wood products ready for sale. 

PROPERTY, PLANT, AND EQUIPMENT 

Property, plant, and equipment are stated at cost. Expenditures for renewals and betterments are capitalized, and maintenance and repairs 
are expensed as incurred. Amortization of assets held under capital leases is included in depreciation and amortized over the shorter of 
the estimated useful life of the asset or the lease term. Depreciation is computed principally by the straight-line method over the estimated 
useful lives of the assets as follows: 

Land improvements 
Buildings and improvements 
Machinery, equipment and office furniture 

5 to 15 years 
15 to 31.5 years 
3 to 10 years 

LONG-LIVED ASSETS 

In accordance with ASC 360, Property, Plant, and Equipment (“ASC 360”), when an indicator of potential impairment exists, we evaluate 
the recoverability of our long-lived assets by determining whether unamortized balances could be recovered through undiscounted future 
operating cash flows over the remaining lives of the assets. If the sum of the expected future cash flows was less than the carrying value 
of the assets, an impairment loss would be recognized for the excess of the carrying value over the fair value. 

FOREIGN CURRENCY 

Our foreign operations use the local currency as their functional currency. Accordingly, assets and liabilities are translated at exchange 
rates as of the balance sheet date and revenues and expenses are translated using weighted average rates, with translation adjustments 
included as a separate component of shareholders' equity. Gains and losses arising from re-measuring foreign currency transactions are 
included in earnings. 

SELF-INSURANCE RESERVES 

We  are  primarily  self-insured  for  certain  employee  health  benefits,  and  have  self-funded  retentions  for  general  liability,  automobile 
liability,  property  and  workers'  compensation.  We  are  fully  self-insured  for  environmental  liabilities.  The  general  liability,  automobile 
liability, property, workers' compensation, and certain environmental liabilities are managed through a wholly-owned insurance captive; 
the related assets and liabilities of which are included in the consolidated financial statements as of December 29, 2012 and December 31, 
2011.  Our  policy  is  to  accrue  amounts  equal  to  actuarially  determined  or  internally  computed  liabilities.  The  actuarial  and  internal 
valuations  are  based  on  historical  information  along  with  certain  assumptions  about  future  events.  Changes  in  assumptions  for  such 
matters as legal actions, medical cost trends, and changes in claims experience could cause these estimates to change in the future. 

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INCOME TAXES 

UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

Deferred  income  tax  assets  and  liabilities  are  computed  for  differences  between  the  financial  statement  and  tax  basis  of  assets  and 
liabilities  that  will  result  in  taxable  or  deductible  amounts  in  the  future.  Such  deferred  income  tax  asset  and  liability  computations  are 
based on enacted tax laws and rates. Valuation allowances are established when necessary to reduce deferred income tax assets to the 
amounts expected to be realized. Income tax expense is the tax payable or refundable for the period plus or minus the change during the 
period in deferred income tax assets and liabilities. 

REVENUE RECOGNITION 

Revenue  is  recognized  at  the  time  the  product  is  shipped  to  the  customer.  Generally,  title  passes  at  the  time  of  shipment.  In  certain 
circumstances,  the  customer  takes  title  when  the  shipment  arrives  at  the  destination.  However,  our  shipping  process  is  typically 
completed the same day. 

Earnings on construction contracts are reflected in operations using percentage-of-completion accounting, under either the cost to cost 
or units of delivery methods, depending on the nature of the business at individual operations. Under percentage-of-completion using 
the  cost  to  cost  method,  revenues  and  related  earnings  on  construction  contracts  are  measured  by  the  relationships  of  actual  costs 
incurred related to the total estimated costs. Under percentage-of-completion using the units of delivery method, revenues and related 
earnings  on  construction  contracts  are  measured  by  the  relationships  of  actual  units  produced  related  to  the  total  number  of  units. 
Revisions in earnings estimates on the construction contracts are recorded in the accounting period in which the basis for such revisions 
becomes known. Projected losses on individual contracts are charged to operations in their entirety when such losses become apparent. 

The following table presents the balances of percentage-of-completion accounts on December 29, 2012 and December 31, 2011 which are 
included in other current assets and other accrued liabilities, respectively (in thousands): 

Cost and Earnings in Excess of Billings 
Billings in Excess of Cost and Earnings 

39

2012 

2011 

  $

4,981    $
2,020     

3,670 
2,668 

   
  
  
 
 
 
 
 
 
 
 
   
 
   
  
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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

SHIPPING AND HANDLING OF PRODUCT 

Shipping and handling costs that are charged to and reimbursed by the customer are recognized as revenue. Costs incurred related to the 
shipment and handling of products are classified in cost of goods sold. 

EARNINGS PER SHARE 

The computation of earnings per share (“EPS”) is as follows (in thousands): 

Numerator: 

Net earnings attributable to controlling interest 
Adjustment for earnings allocated to non-vested restricted 

common stock 

Net earnings for calculating EPS 

Denominator: 

Weighted average shares outstanding 
Adjustment for non-vested restricted common stock 
Shares for calculating basic EPS 
Effect of dilutive stock options 
Shares for calculating diluted EPS 

Net earnings per share: 

Basic 
Diluted 

December  
29, 2012 

December  
31, 2011 

December  
25, 2010 

23,934 

 $

4,549 

 $

17,411 

(210)
23,724 

 $

(38)
4,511 

 $

19,800 
(173)
19,627 
6 
19,633 

19,572 
(165)
19,407 
126 
19,533 

1.21 
1.21 

 $
 $

0.23 
0.23 

 $
 $

(6)
17,405 

19,452 
(220)
19,232 
244 
19,476 

0.91 
0.89 

 $

 $

 $
 $

No options were excluded from the computation of diluted EPS for 2012. Options to purchase 105,000 and 10,000 shares of common stock 
were not included in the computation of diluted EPS for 2011 and 2010, respectively, because the options' exercise prices were greater 
than the average market price of the common stock during the period and, therefore, would be antidilutive. 

USE OF ACCOUNTING ESTIMATES 

The preparation of financial statements in conformity with accounting principles generally accepted in the United States requires us 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 as well as the reported amounts of revenues and expenses during the reporting period. 
We believe our estimates to be reasonable; however, actual results could differ from these estimates. 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

RECENTLY ISSUED ACCOUNTING STANDARDS 

In  June  2011,  the  Financial  Accounting  Standards  Board  issued  Accounting  Standards  Update  No.  2011-05,  Presentation  of 
Comprehensive Income (“ASU 2011-05”). ASU 2011-05 eliminates the option to present components of other comprehensive income as 
part  of  the  statement  of  changes  in  stockholders’  equity.  Under  ASU  2011-05,  an  entity  has  the  option  to  present  the  total  of 
comprehensive  income,  the  components  of  net  income,  and  the  components  of  other  comprehensive  income  either  in  a  continuous 
statement  of  comprehensive  income  or  in  two  separate  consecutive  statements.  We  have  adopted  the  provisions  of  ASU  2011-05  by 
presenting comprehensive income in a continuous statement of earnings and comprehensive income. 

In  July  2012,  the  FASB  issued  ASU  2012-02,  Intangibles-Goodwill  and  Other  (ASC  Topic  350)  Testing  Indefinite-Lived  Intangible 
Assets for Impairment (“ASU 2012-02”). ASU 2012-02 amends prior indefinite-lived intangible asset impairment testing guidance. Under 
ASU 2012-02, we have the option to first assess qualitative factors to determine whether it is more likely than not that an indefinite-lived 
intangible asset is impaired. If, after considering the totality of events and circumstances, an entity determines it is more likely than not 
that  an  indefinite-lived  intangible  asset  is  not  impaired,  then  further  quantitative  assessment  is  unnecessary.  ASU  2012-02  became 
effective for the Company during the interim and annual periods beginning after September 15, 2012. We have adopted these provisions 
for our year-end assessment. 

In February 2013, the FASB issued ASU 2013-02, Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income 
(ASC Topic 220)  (“ASU 2013-02”). ASU 2013-02 amends prior presentation of comprehensive income guidance. ASU 2013-02 requires 
that we report the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net 
income if the amount being reclassified is required to be reclassified in its entirety to net income. ASU 2013-02 will be effective for the 
Company  during  the  interim  and  annual  periods  beginning  after  December  15,  2012.  The  adoption  of  ASU  2013-02  is  not  expected  to 
significantly affect our consolidated financial position, results of operations or cash flows. 

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B. 

FAIR VALUE 

UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

We apply the provisions of ASC 820, Fair Value Measurements and Disclosures, to assets and liabilities measured at fair value. Assets 
and liabilities measured at fair value are as follows: 

Quoted  
Prices in  
Active  
Markets  
(Level 1) 

December 29, 2012 
Prices with  
Other  
Observable  
Inputs  
(Level 2) 

Total 

Quoted  
Prices in  
Active  
Markets  
(Level 1) 

December 31, 2011 
Prices with  
Other  
Observable  
Inputs  
(Level 2) 

Total 

 $

62     

 $

62 

 $

99     

 $

613     
500     
145     
140     
1,398     

613 
500 
145 
140 
1,398 

496     
426     
119     
106     
1,147     

99 

496 
426 
119 
106 
1,147 

7,196 
8,442 

(in thousands) 

Recurring: 

Money market funds 
Mutual funds: 

Domestic stock funds 
International stock funds 
Target funds 
Bond funds 

Total mutual funds 

Non-Recurring: 

Property, plant and 

equipment 

Assets at fair value 

 $

   $
1,460  $

1,600   $
$1,600   $

1,600 
3,060 

 $

   $ 
1,246  $ 

7,196    
7,196   $

We maintain money market and mutual funds in our non-qualified deferred compensation plan. These funds are valued at prices quoted in 
an active exchange market and are included in “Other Assets”. During our fourth quarter evaluation of the recoverability of our long-lived 
assets, we identified certain idle facilities which required an impairment loss for the excess of carrying value over the fair value, and as 
such were stated at fair value. The fair values of these long-lived property, plant and equipment assets are determined based on broker 
assessments of value, appraisals, or recent offers to acquire assets. We have elected not to apply the fair value option under ASC 825, 
Financial Instruments, to any of our financial instruments except for those expressly required by U.S. GAAP. 

We do not maintain any Level 3 assets or liabilities that would be based on significant unobservable inputs. 

C. 

BUSINESS COMBINATIONS 

We completed the following business combinations in fiscal 2012 and 2010, which were accounted for using the purchase method (in 
millions). No business combinations were completed in fiscal 2011. 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

Acquisition  
Date 
November 5, 
2012 

Purchase  
Price 

Intangible  
Assets 

 $

1.4 

 $

$16.2 
(asset 
purchase) 

Net  
Tangible  
Assets 

Operating 
Segment 

14.8   Western 
Division 

Business Description 
Manufactures pallets, containers and 
bins for agricultural and industrial 
customers. Facilities are located in 
Snohomish, Yakima and Wenatchee, 
WA. Nepa had trailing twelve month 
sales through September 2012 of $25 
million. 

1.1 

 $

2.1   Eastern Division Supplies roof trusses and cut-to-size 

May 16, 2012  $3.2 (asset 
purchase) 

 $

April 29, 2010 $5.9 (asset 
purchase) 

 $

2.2 

 $

3.7   Distribution 
Division 

March 8, 2010 $0.6 (asset 
purchase) 

 $

0.0 

 $

0.6   Distribution 
Division 

lumber to manufactured housing 
customers. Facilities are located in 
Haleyville, AL and Waycross, GA. In 
2011, MSR had annual sales of $10 
million. 
Distributes shingle underlayment, 
bottom board, house wrap, siding, 
poly film and other products to 
manufactured housing and RV 
customers. Headquartered in Elkhart, 
Indiana, it has distribution capabilities 
throughout the United States. 
Purchased a percentage of certain 
assets. 
Distributes certain plumbing, 
electrical, adhesives, flooring, paint 
and other products to manufactured 
housing and RV customers. 
Headquartered in Cordele, Georgia, it 
has distribution capabilities 
throughout the United States. 
Purchased a percentage of certain 
assets. 

Company  
Name 

Nepa Pallet 
and 
Container 
Co., Inc. 
(“Nepa”) 

MSR Forest 
Products, 
LLC 
(“MSR”) 

Shepherd 
Distribution 
Co. 
(“Shepherd”) 

Service 
Supply 
Distribution, 
Inc. 
(“Service 
Supply”) 

The purchase price allocations for Nepa and MSR are preliminary, pending determination of the fair value of acquired intangible assets. 
At December 29, 2012, the amounts assigned to major intangible classes for the business combinations mentioned above are as follows 
(in millions): 

Nepa 
MSR 
Shepherd 

Customer 
Relationships    
 $

- 
- 
1.4 

 $

Goodwill 

 $

1.4 
1.1 
0.3 

Goodwill -  
Tax  
Deductible   
1.4 
1.1 
0.3 

Non-compete 
agreements     

 $

- 
- 
0.5 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

The business combinations mentioned above were not significant to our operating results individually or in aggregate, and thus pro 
forma results for 2012 and 2010 are not presented. 

D. 

NET LOSS (GAIN) ON DISPOSITION OF ASSETS, EARLY RETIRMENT AND OTHER IMPAIRMENT AND EXIT CHARGES 

We have long-lived assets that consist of certain vacant land and facilities we closed to better align manufacturing capacity with the 
current  business  environment.  The  fair  values  were  determined  based  on  broker  assessments  of  value,  appraisals  or  recent  offers  to 
acquire assets. These and other idle assets were evaluated based on the requirements of ASC 360, which resulted in impairment and other 
exit charges included in “Net loss (gain) on disposition of assets, early retirement and other impairment and exit charges” for the years 
ended December 29, 2012, December 31, 2011 and December 25, 2010, respectively. 

In the second quarter of 2012, we sold certain real estate in Fontana, CA, for approximately $12.1 million and recognized a pre-tax gain of 
approximately $7.2 million and included in the Western Division segment. 

On  June  20,  2011  our  chief  executive  officer  resigned  and  we  entered  into  a  consulting  and  non-competition agreement with him. We 
accrued for the present value of the future payments under the agreement totaling $2.6 million in June 2011. 

E. 

GOODWILL AND OTHER INTANGIBLE ASSETS 

Goodwill  represents  the  excess  of  the  purchase  price  over  the  fair  value  of  net  tangible  and  identifiable  intangible  assets  of  acquired 
businesses. Goodwill and intangible assets deemed to have indefinite lives are not amortized, but are subject to impairment tests at least 
annually  in  accordance  with  ASC  350,  Intangibles-Goodwill and Other.  We  review  the  carrying  amounts  of  goodwill  and  other  non-
amortizable  intangibles  by  reporting  unit  to  determine  if  such  assets  may  be  impaired.  As  the  carrying  amount  of  these  assets  are 
recoverable based upon a discounted cash flow and market approach analysis, no impairment was recognized. 

The following amounts were included in other intangible assets, net as of December 29, 2012 and December 31, 2011 (in thousands): 

2012 

2011 

Non-compete agreements 
Customer relationships 
Licensing agreements 
Patents 
Total 

Assets 

Accumulated  
Amortization    

Assets 

(3,366)
(5,465)
(1,147)
(2,350)
(12,328)

 $

 $

6,439 
8,860 
4,589 
3,155 
23,043 

 $

 $

3,730 
8,860 
4,589 
3,250 
20,429 

 $

 $

44

Accumulated  
Amortization  
(5,125)
(4,221)
(688)
(2,085)
(12,119)

 $

 $

  
 
 
 
 
 
 
 
 
 
  
 
 
   
 
 
 
   
   
  
  
  
  
  
  
  
  
  
  
  
  
  
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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

Amortization is computed principally by the straight-line method over the estimated useful lives of the intangible assets as follows: 

Non-compete agreements 
Customer relationship 
Licensing agreements 

5 to 10 years 
5 to 8 years 
10 years 

Amortization expense of intangibles totaled $2.9 million, $5.2 million and $6.9 million in 2012, 2011 and 2010, respectively. The estimated 
amortization expense for intangibles for each of the five succeeding fiscal years is as follows (in thousands): 

2013 
2014 
2015 
2016 
2017 
Thereafter 
Total 

  $

  $

2,170 
1,836 
1,612 
607 
459 
1,417 
8,101 

The changes in the net carrying amount of goodwill and indefinite-lived intangible assets for the years ended December 29, 2012 and 
December 31, 2011, are as follows (in thousands): 

Balance as of December 25, 2010 and December 31, 2011 
Acquisitions 
Other 

  Goodwill 
 $

154,702   $
2,514    
2,100    

Indefinite-Lived  
Intangible Assets  
2,340 
- 
- 

Balance as of December 29, 2012 

 $

159,316   $

2,340 

F. 

DEBT 

On December 17, 2012, we entered into an unsecured Note Purchase Agreement (the "Agreement") under which we issued our 3.89% 
Series A Senior Notes, due December 17, 2022, in the aggregate principal amount of $35 million and our 3.98% Series B Senior Notes, due 
December 17, 2024, in the aggregate principal amount of $40 million. Proceeds from the sale of the Series A Senior Notes and Series B 
Senior  Notes  were  used  to  repay  amounts  due  on  our  existing  Series  2002-A  Senior  Notes,  Tranche  B  totaling  $40  million  and  our 
revolving credit facility. 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

On November 14, 2011, we entered into a five-year, $265 million unsecured revolving credit facility, which includes amounts reserved for 
letters of credit. This facility replaced our $300 million unsecured revolving credit facility. Cash borrowings are charged interest based 
upon an index we elect, equal to the U.S. prime rate (in the case of borrowings in US Dollars), the Canadian prime rate as determined by 
the agent (in the case of borrowings in Canadian Dollars), or the Eurodollar rate (in the case of any borrowing, including foreign currency 
borrowings), in each case, plus a margin ranging from 110 to 165 basis points, determined based upon our financial performance. We are 
also charged a facility fee on the entire amount of the lending commitment, at a per annum rate ranging from 15 to 35 basis points, also 
determined based upon our performance. 

Outstanding letters of credit extended on our behalf on December 29, 2012 aggregated $28.7 million, which includes approximately $9.8 
million  related  to  industrial  development  revenue  bonds.  Outstanding  letters  of  credit  extended  on  our  behalf  on  December  31,  2011 
aggregated $31.3 million, which includes approximately $12.4 million related to industrial development revenue bonds. Letters of credit 
have one year terms and include an automatic renewal clause. The letters of credit are charged an annual interest rate ranging from 110 to 
165 basis points under the $265 million facility, based upon our financial performance. 

Long-term debt obligations are summarized as follows on December 29, 2012 and December 31, 2011 (amounts in thousands): 

2012

2011

Series 2012 Senior Notes Tranche A, due on December 17, 2022, interest payable 

semi-annually at 3.89% 

  $

35,000    $

- 

Series 2012 Senior Notes Tranche B, due on December 17, 2024, interest payable 

semi-annually at 3.98% 

Series 2002-A Senior Notes Tranche B 
Revolving credit facility totaling $265 million due on November 14, 2016, interest 

payable monthly at a floating rate (1.27% on December 29,2012) 

Series 1999 Industrial Development Revenue Bonds, due on August 1, 2029, 
interest payable monthly at a floating rate (0.35% on December 29, 2012) 
Series 2000 Industrial Development Revenue Bonds, due on October 1, 2020, 
interest payable monthly at a floating rate (0.46% on December 29, 2012) 
Series 2001 Industrial Development Revenue Bonds 
Series 2002 Industrial Development Revenue Bonds, due on December 1, 2022, 
interest payable monthly at a floating rate (0.45% on December 29, 2012) 

Other 

Less current portion 
Long-term portion 

40,000     

11,090     

3,300     

2,700     

3,700     
-     
95,790      

40,000 

- 

3,300 

2,700 
2,500 

3,700 
270 
52,470  
(40,270)
12,200 

  $

95,790    $

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

Financial  covenants  on  the  unsecured  revolving  credit  facility  and  unsecured  notes  include  minimum  interest  coverage  tests  and  a 
maximum leverage ratio. The agreements also restrict the amount of additional indebtedness we may incur and the amount of assets which 
may be sold. We were within all of our lending requirements on December 29, 2012 and December 31, 2011. 

On December 29, 2012, the principal maturities of long-term debt and capital lease obligations are as follows (in thousands): 

2013 
2014 
2015 
2016 
2017 
Thereafter 

  $

11,090 

  $

84,700 
95,790  

On December 29, 2012, the estimated fair value of our long-term debt, including the current portion, was $95.4 million, which was $0.4 
million less than the carrying value. The estimated fair value is based on rates anticipated to be available to us for debt with similar terms 
and maturities. 

G. 

LEASES 

We lease certain real estate under operating lease agreements with original terms ranging from one to ten years. We are required to pay 
real estate taxes and other occupancy costs under these leases. Certain leases carry renewal options of five to fifteen years. We also lease 
motor vehicles, equipment, and an aircraft under operating lease agreements for periods of one to ten years. Future minimum payments 
under non-cancelable operating leases on December 29, 2012 are as follows (in thousands): 

2013 
2014 
2015 
2016 
2017 
Thereafter 
Total minimum lease payments 

  Operating 

Leases 

  $

  $

3,930 
2,107 
1,236 
474 
25 
64 
7,836 

Rent expense was approximately $6.9 million, $9.6 million, and $13.8 million in 2012, 2011, and 2010, respectively. 

. 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

H. 

DEFERRED COMPENSATION 

We  have  a  program  whereby  certain  executives  irrevocably  elected  to  defer  receipt  of  certain  compensation  in  1985  through  1988. 
Deferred  compensation  payments  to  these  executives  will  commence  upon  their  retirement.  We  purchased  life  insurance  on  such 
executives,  payable  to  us  in  amounts  which,  if  assumptions  made  as  to  mortality  experience,  policy  dividends,  and  other  factors  are 
realized, will accumulate cash values adequate to reimburse us for all payments for insurance and deferred compensation obligations. In 
the event cash values are not sufficient to fund such obligations, the program allows us to reduce benefit payments to such amounts as 
may  be  funded  by  accumulated  cash  values.  The  deferred  compensation  liabilities  and  related  cash  surrender  value  of  life  insurance 
policies  totaled  $2.0  million  on  December  29,  2012  and  December  31,  2011  and  are  included  "Other  Liabilities"  and  "Other  Assets," 
respectively. 

We also maintain a non-qualified deferred compensation plan (the "Plan") for the benefit of senior management employees who may elect 
to defer a portion of their annual bonus payments and salaries. The Plan provides investment options similar to our 401(k) plan, including 
our stock. The investment in our stock is funded by the issuance of shares to a Rabbi trust, and may only be distributed in kind. Assets 
held by the Plan totaled approximately $1.5 million and $1.2 million on December 29, 2012 and December 31, 2011, respectively, and are 
included  in  "Other  Assets."  Related  liabilities  totaled  $6.7  million  and  $5.5  million  on  December  29,  2012  and  December  31,  2011, 
respectively,  and  are  included  in  "Other  Liabilities"  and  "Shareholders'  Equity."  Assets  associated  with  the  Plan  are  recorded  at  fair 
market value. The related liabilities are recorded at fair market value, with the exception of obligations associated with investments in our 
stock which are recorded at the market value on the date of deferral. 

I. 

COMMON STOCK 

In April 2002, our shareholders approved the 2002 Employee Stock Purchase Plan ("Stock Purchase Plan") to succeed the Employee Stock 
Purchase  Plan  originally  approved  in  1994.  In  April  2008,  our  shareholders  authorized  additional  shares  to  be  allocated  to  the  Stock 
Purchase Plan and extended the term of the Stock Purchase Plan to 2018. The plan allows eligible employees to purchase shares of our 
stock  at  a  share  price  equal  to  85%  of  fair  market  value  on  the  purchase  date.  We  have  expensed  the  fair  value  of  the  compensation 
associated with these awards, which approximates the discount. The amount of expense is nominal. 

In  April  1994,  our  shareholders  approved  the  Directors’  Retainer  Stock  Plan  ("Stock  Retainer  Plan").  In  April  2007,  our  shareholders 
authorized  additional  shares  to  be  distributed  pursuant  to  this  plan.  The  Stock  Retainer  Plan  allows  eligible  members  of  the  Board  of 
Directors to defer their retainer fees and receive shares of our stock at the time of their retirement, disability or death. The number of 
shares to be received is equal to the amount of the retainer fee deferred multiplied by 110%, divided by the fair market value of a share of 
our stock at the time of deferral. The number of shares is increased by the amount of dividends paid on the Company’s common stock. 
We recognized expense for this plan of $0.5 million each in 2012, 2011 and 2010. 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

On  April  15,  2010,  our  shareholders  approved  an  amended  and  restated  Long  Term  Stock  Incentive  Plan  (the  "LTSIP”).  The  LTSIP 
reserves 1,000,000 shares, plus a balance of unused shares from prior plans of approximately 1.6 million shares, plus an annual increase of 
no more than 200,000 shares per year which may be added on the date of the annual meeting of shareholders. The LTSIP provides for the 
granting of stock options, reload options, stock appreciation rights, restricted stock, performance shares and other stock-based awards. 

A summary of the transactions under the stock option plans is as follows: 

Outstanding at December 26, 2009 
Exercised 
Forfeited or expired 
Outstanding at December 25, 2010 
Exercised 
Forfeited or expired 
Outstanding at December 31, 2011 
Exercised 
Forfeited or expired 
Outstanding at December 29, 2012 
Vested or expected to vest at December 29, 

2012 

Exercisable at December 29, 2012 

Weighted- 
Average  
Exercise  
Price Per  
Share 

Stock Under 
Option 

 $

473,878 
(96,310)
(17,571)
359,997 
(122,517)
(46,146)
191,334 
(79,550)
(1,678)
110,106 

(51,000)
59,106 

 $

23.34 
19.80     
28.60     
24.04 
21.33     
20.57     
26.60 
21.82     
21.84     
30.13 

29.53     
30.64 

Average  
Remaining  
Contractual  
Term 

2.97 

 $

2.35 

1.83 

Aggregate  
Intrinsic  
Value 
7,049,362 
1,764,674 

5,012,758 
1,153,067 

872,441 
970,698 

1.64 

845,915 

1.59 

 $

423,790 

The unrecognized compensation expense for stock options is not significant for 2012, 2011 or 2010. 

A summary of the nonvested restricted shares issued under stock award plans is as follows: 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

Restricted  
Awards 

Weighted- 
Average  
Grant Date  
Fair Value 

Unrecognized  
Compensation  
Expense 
(in millions)   
2.3 

Nonvested at December 26, 2009 

Granted 
Vested 
Forfeited 

Nonvested at December 25, 2010 

Granted 
Vested 
Forfeited 

Nonvested at December 31, 2011 

Granted 
Vested 
Forfeited 

Nonvested at December 29, 2012 

173,846 
79,761 
(17,011)
(16,802)
219,794 
71,950 
(113,244)
(15,500)
163,000 
37,433 
(859)
(12,965)
186,609 

 $

 $

25.83 
 $
34.14     
32.61     
27.77     
28.17 
38.19     
29.13     
30.12     
31.75 
35.05     
29.72     
30.35     
 $
32.22 

Weighted- 
Average  
Period to  
Recognize  
Expense 

2.47 years 

2.30 years 

3.37 years 

2.68 years 

2.8 

3.4 

3.2 

Under the Stock Purchase Plan and LTSIP, we recognized share-based compensation expense of $1.3 million, $1.4 million, and $2.4 million 
and the related total income tax benefits of $0.5 million, $0.5 million, and $0.9 million in 2012, 2011 and 2010, respectively. 

In 2012, 2011 and 2010, cash received from option exercises and share issuances under our plans was $2.0 million, $3.0 million and $2.3 
million, respectively. The actual tax benefit realized in 2012, 2011 and 2010 for the tax deductions from option exercises totaled $0.8 million, 
$0.7 million and $0.6 million, respectively. 
As of December 29, 2012, a total of approximately 3.0 million shares are reserved for issuance under the plans mentioned above. 

On November 14, 2001, the Board of Directors approved a share repurchase program (which succeeded a previous program) allowing us 
to repurchase up to 2.5 million shares of our common stock. On October 14, 2010, our Board authorized an additional 2 million shares to be 
repurchased under our share repurchase program. We repurchased 144,900 shares under this program in 2010. As of December 29, 2012, 
the cumulative total authorized shares available for repurchase is approximately 3.0 million shares. 

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J. 

RETIREMENT PLANS 

UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

We have a profit sharing and 401(k) plan for the benefit of substantially all of our employees, excluding the employees of certain wholly-
owned subsidiaries. Amounts contributed to the plan are made at the discretion of the Board of Directors. We matched 25% of employee 
contributions  in  2012  and  2011,  on  a  discretionary  basis,  totaling  $1.6  million  and  $1.5  million,  respectively.  The  basis  for  matching 
contributions may not exceed the lesser of 6% of the employee's annual compensation or the IRS limitation. 

On July 14, 2011, the compensation committee of the board of directors approved a retirement plan for officers whereby we will pay, upon 
retirement, benefits totaling 150% of the officer’s highest base salary in the three years immediately preceding separation from service 
plus health care benefits for a specified period of time if certain eligibility requirements are met. Approximately $3.4 million and $2.5 million 
are accrued in “Other Liabilities” for this plan at December 29, 2012 and December 31, 2011, respectively. 

K. 

INCOME TAXES 

Income tax provisions for the years ended December 29, 2012, December 31, 2011, and December 25, 2010 are summarized as follows (in 
thousands): 

Currently Payable: 

Federal 
State and local 
Foreign 

Net Deferred: 
Federal 
State and local 
Foreign 

2012 

2011 

2010 

 $

 $

5,167 
2,160 
3,123 
10,450 

3,464 
946 
194 
4,604 
15,054 

 $

 $

453 
1,419 
3,000 
4,872 

(1,884)
(137)
23 
(1,998)
2,874 

 $

 $

4,762 
1,768 
3,344 
9,874 

384 
(689)
(2,369)
(2,674)
7,200 

The components of earnings before income taxes consist of the following: 

U.S. 
Foreign 
Total 

2012 

2011 

2010 

 $

 $

31,768 
9,296 
41,064 

 $

 $

328 
8,459 
8,787 

 $

 $

16,185 
10,926 
27,111 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

The effective income tax rates are different from the statutory federal income tax rates for the following reasons: 

Statutory federal income tax rate 
State and local taxes (net of federal benefits) 
Effect of noncontrolling owned interest in earnings of 

partnerships 

Manufacturing deduction 
Tax credits, including foreign tax credit 
Change in valuation allowance 
Change in uncertain tax positions reserve 
Foreign rate differential 
Other permanent differences 
Other, net 
Effective income tax rate 

2012 

2011 

2010 

35.0%   
5.2 

(0.5)    
(1.6)    
(1.2)    
- 
(1.0)    
0.7 
1.1 
(1.1)    
36.6%   

34.0%   
8.2 

(3.0)    
(1.9)    
(15.4)    
- 
0.4 
0.4 
4.9 
4.9 
32.5%   

35.0%
2.4 

(1.8)
(1.6)
(1.7)
(10.5)
0.2 
- 
2.2 
2.4 
26.6%

Temporary differences which give rise to deferred income tax assets and (liabilities) on December 29, 2012 and December 31, 2011 are as 
follows (in thousands): 

Employee benefits 
Net operating loss carryforwards 
Foreign subsidiary capital loss carryforward 
Other tax credits 
Inventory 
Reserves on receivables 
Accrued expenses 
Other, net 
Gross deferred income tax assets 
Valuation allowance 
Deferred income tax assets 

Depreciation 
Intangibles 
Other, net 
Deferred income tax liabilities 
Net deferred income tax liability 

2012 

2011 

 $

7,295 
1,592 
671 
1,494 
838 
1,193 
2,995 
2,673 
18,751 
(671)
18,080 

(18,248)
(12,781)
(1,010)
(32,039)
(13,959)

 $

6,609 
2,307 
671 
1,315 
141 
1,090 
2,287 
2,794 
17,214 
(671)
16,543 

(16,004)
(9,272)
(622)
(25,898)
(9,355)

 $

 $

The valuation allowance consists of a capital loss carryforward we have for a wholly-owned subsidiary, Universal Forest Products of 
Canada, Inc. Based upon the business activity and the nature of the assets of this subsidiary, our ability to realize a future benefit from 
this loss carryforward is in doubt, therefore we have established an allowance for the entire amount of the future benefit. The loss has an 
unlimited carryforward and therefore will not expire unless there is a change in control of the subsidiary. 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

L. 

ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES 

ASC 740,  Income Taxes  (“ASC 740”)  clarifies the accounting for income taxes by prescribing the minimum recognition threshold a tax 
position  is  required  to  meet  before  being  recognized  in  the  financial  statements.  ASC  740  also  provides  guidance  on  derecognition, 
measurement, classification, interest and penalties, and disclosure requirements. 

A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows (in thousands): 

Gross unrecognized tax benefits beginning of year 
Increase in tax positions for prior years 
Increase in tax positions for current year 
Settlements with taxing authorities 
Lapse in statute of limitations 
Gross unrecognized tax benefits end of year 

 $

2012 

2011 

2010 

1,837 
1 
68 
(137)
(238)
1,531 

 $

 $

1,253 
225 
391 
- 
(32)
1,837 

 $

 $

10,110 
- 
260 
(8,690)
(427)
1,253 

Our  effective  tax  rate  would  have  been  affected  by  the  unrecognized  tax  benefits  had  this  amount  been  recognized  as  a  reduction  to 
income tax expense. 

We recognized interest and penalties for unrecognized tax benefits in our provision for income taxes. The liability for unrecognized tax 
benefits included accrued interest and penalties of $0.2 million, $0.3 million and $0.2 million at December 29, 2012, December 31, 2011 and 
December 25, 2010, respectively. 

We file income tax returns in the United States and in various state, local and foreign jurisdictions. During 2010, the Internal Revenue 
Service examination for tax years 2004 – 2008 was resolved. For the majority of state and foreign jurisdictions, we are no longer subject to 
income  tax  examinations  for  years  before  2007.  A  number  of  routine  state  and  local  examinations  are  currently  ongoing.  Due  to  the 
potential for resolution of state examinations, and the expiration of various statutes of limitation, and new positions that may be taken, it 
is reasonably possible that the amounts of unrecognized tax benefits could change in the next twelve months. 

M. 

COMMITMENTS, CONTINGENCIES, AND GUARANTEES 

We  are  self-insured  for  environmental  impairment  liability,  including  certain  liabilities  which  are  insured  through  a  wholly  owned 
subsidiary, Ardellis Insurance Ltd., a licensed captive insurance company. 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

We own and operate a number of facilities throughout the United States that chemically treat lumber products. In connection with the 
ownership  and  operation  of  these  and  other  real  properties,  and  the  disposal  or  treatment  of  hazardous  or  toxic  substances,  we  may, 
under various federal, state, and local environmental laws, ordinances, and regulations, be potentially liable for removal and remediation 
costs,  as  well  as  other  potential  costs,  damages,  and  expenses.  Environmental  reserves,  calculated  with  no  discount  rate,  have  been 
established  to  cover  remediation  activities  at  our  affiliates’  wood  preservation  facilities  in  Stockertown,  PA;  Elizabeth  City,  NC; 
Auburndale,  FL;  Janesville,  WI;  and  Medley,  FL.  In  addition,  a  reserve  was  established  for  our  affiliate’s  facility  in  Thornton,  CA  to 
remove certain lead containing materials which existed on the property at the time of purchase. During 2009, a subsidiary entered into a 
consent order with the State of Florida to conduct additional testing at the Auburndale, FL facility. We admitted no liability and the costs 
are not expected to be material. 

On  a  consolidated  basis,  we  have  reserved  approximately  $3.5  million  on  December  29,  2012  and  $3.4  million  December  31,  2011, 
representing  the  estimated  costs  to  complete  future  remediation  efforts.  These  amounts  have  not  been  reduced  by  an  insurance 
receivable. 

From  time  to  time,  various  special  interest  environmental  groups  have  petitioned  certain  states  requesting  restrictions  on  the  use  or 
disposal  of  CCA  treated  products.  The  wood  preservation  industry  trade  groups  are  working  with  the  individual  states  and  their 
regulatory  agencies  to  provide  an  accurate,  factual  background  which  demonstrates  that  the  present  method  of  uses  and  disposal  is 
scientifically supported. Our affiliates market a modest amount of CCA treated products for permitted, non-residential applications. 

We  have  not  accrued  for  any  potential  loss  related  to  the  contingencies  above.  However,  potential  liabilities  of  this  nature  are  not 
conducive to precise estimates and are subject to change. 

In  2012,  we  recorded  a  $2.3  million  loss  contingency  for  a  Canadian  anti-dumping  duty.  The  Canadian  government  has  imposed 
retroactive  assessments  for  antidumping  and  countervailing  duties  tied  to  certain  extruded  aluminum  products  imported  from  China. 
While we continue to work with the government to clarify the applicability of these rules to our products, we recorded a charge in 2012 for 
this matter. 

In addition, on December 29, 2012, we were parties either as plaintiff or a defendant to a number of lawsuits and claims arising through the 
normal course of our business. In the opinion of management, our consolidated financial statements will not be materially affected by the 
outcome of these contingencies and claims. 

On December 29, 2012, we had outstanding purchase commitments on capital projects of approximately $3.6 million. 

We  provide  a  variety  of  warranties  for  products  we  manufacture.  Historically,  warranty  claims  have  not  been  material.  We  distribute 
products manufactured by other companies, some of which are no longer in business. While we do not warrant these products, we have 
received claims as a distributor of these products when the manufacturer no longer exists or has the ability to pay. Historically, these 
costs have not had a material affect on our consolidated financial statements. 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

In  certain  cases  we  supply  building  materials  and  labor  to  site-built  construction  projects  or  we  jointly  bid  on  contracts  with  framing 
companies for such projects. In some instances we are required to post payment and performance bonds to insure the owner that the 
products and installation services are completed in accordance with our contractual obligations. We have agreed to indemnify the surety 
for claims made against the bonds. As of December 29, 2012, we had approximately $20.1 million in outstanding payment and performance 
bonds,  which  expire  during  the  next  two  years.  In  addition,  approximately  $21.6  million  in  payment  and  performance  bonds  are 
outstanding for completed projects which are still under warranty. 

On  December  29,  2012  we  had  outstanding  letters  of  credit  totaling  $28.7  million,  primarily  related  to  certain  insurance  contracts  and 
industrial development revenue bonds described further below. 

In  lieu  of  cash  deposits,  we  provide  irrevocable  letters  of  credit  in  favor  of  our  insurers  to  guarantee  our  performance  under  certain 
insurance contracts. We currently have irrevocable letters of credit outstanding totaling approximately $18.9 million for these types of 
insurance arrangements. We have reserves recorded on our balance sheet, in accrued liabilities, that reflect our expected future liabilities 
under these insurance arrangements. 

We are required to provide irrevocable letters of credit in favor of the bond trustees for all of the industrial development revenue bonds 
that we have issued. These letters of credit guarantee principal and interest payments to the bondholders. We currently have irrevocable 
letters of credit outstanding totaling approximately $9.8 million related to our outstanding industrial development revenue bonds. These 
letters of credit have varying terms but may be renewed at the option of the issuing banks. 

Certain  wholly  owned  domestic  subsidiaries  have  guaranteed  the  indebtedness  of  Universal  Forest  Products,  Inc.  in  certain  debt 
agreements, including the Series 2012 Senior Notes and our revolving credit facility. The maximum exposure of these guarantees is limited 
to the indebtedness outstanding under these debt arrangements and this exposure will expire concurrent with the expiration of the debt 
agreements. 

Many of our wood treating operations utilize "Subpart W" drip pads, defined as hazardous waste management units by the EPA. The 
rules  regulating  drip  pads  require  that  the  pad  be  “closed”  at  the  point  that  it  is  no  longer  intended  to  be  used  for  wood  treating 
operations or to manage hazardous waste. Closure involves identification and disposal of contaminants which are required to be removed 
from the facility. The cost of closure is dependent upon a number of factors including, but not limited to, identification and removal of 
contaminants, cleanup standards that vary from state to state, and the time period over which the cleanup would be completed. Based on 
our present knowledge of existing circumstances, it is considered probable that these costs will approximate $0.6 million. As a result, this 
amount is recorded in other long-term liabilities on December 29, 2012. 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

We did not enter into any new guarantee arrangements during 2012 which would require us to recognize a liability on our balance sheet. 

N. 

CONSULTING & NON-COMPETE AGREEMENTS 

On June 20, 2011 we entered into a consulting and non-compete agreement with our former CEO which provides for monthly payments 
through December 2015 that began upon resignation from Universal Forest Products, Inc. All amounts were fully accrued and vested on 
the date of resignation. The present value of these payments totaled approximately $1.8 million and $2.3 million at December 29, 2012 and 
December 31, 2011, respectively, and is accrued in other liabilities. 

On  December  17,  2007  we  entered  into  a  consulting  and  non-compete  agreement  with  our  former  CEO  which  provided  for  monthly 
payments for a term of three years that began upon retirement from Universal Forest Products, Inc. All amounts were fully accrued and 
vested on the date of retirement, and all amounts due under this agreement were paid in full as of December 29, 2012. The present value of 
these payments totaled approximately $0.4 million at December 31, 2011 and is accrued in other liabilities. 

O. 

SEGMENT REPORTING 

ASC 280,  Segment Reporting (“ASC 280”)  defines operating segments as components of an enterprise about which separate financial 
information is available that is evaluated regularly by the chief operating decision maker in deciding how to allocate resources and in 
assessing performance. 

Our operating segments consist of the Eastern, Western, Site-Built, Consumer Products and Distribution divisions. In accordance with 
ASC 280, due to the similar economic characteristics, nature of products, distribution methods, and customers, we have aggregated our 
Eastern  and  Western  operating  segments  into  one  reportable  segment.  The  Site-Built  division  is  considered  a  separate  reportable 
segment. Our other divisions do not collectively form a reportable segment because their respective operations are dissimilar and they do 
not meet the applicable quantitative requirements. These operations have been included in the “All Other” column of the table below. The 
“Corporate” column includes unallocated administrative costs. 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

 $

 $

 $

Eastern 
and 
Western 
Divisions 

1,635,178 
62,806 
373 
1,667 
17,762 
60,573 
588,567 
15,411 

Eastern 
and 
Western 
Divisions 

1,486,058 
77,858 
440 
3,571 
19,036 
28,198 
520,506 
14,870 

Eastern 
and 
Western 
Divisions 

1,566,094 
104,186 
424 
4,492 
20,140 
35,515 
525,482 
14,205 

 $

 $

 $

 $

 $

 $

Site-Built 

222,824 
20,396 
- 
- 
2,054 
1,299 
102,923 
830 

Site-Built 

183,120 
24,907 
154 
- 
2,380 
(6,349)
87,160 
1,007 

Site-Built 

179,113 
17,482 
45 
96 
2,509 
(5,471)
86,128 
394 

2012 

All 
Other 

    Corporate 

Total 

 $

196,931 
12,724 
51 
1,251 
4,286 
(11,316)
103,309 
11,967 

 $

- 
- 
3,629 
- 
6,359 
(6,028)
65,741 
2,136 

2,054,933 
95,926 
4,053 
2,918 
30,461 
44,528 
860,540 
30,344 

2011 

All 
Other 

    Corporate 

Total 

 $

153,158 
28,636 
- 
1,612 
3,240 
(8,731)
82,993 
8,856 

 $

- 
- 
3,138 
- 
6,148 
(1,107)
73,348 
8,199 

1,822,336 
131,401 
3,732 
5,183 
30,804 
12,011 
764,007 
32,932 

2010 

All 
Other 

    Corporate 

Total 

 $

145,644 
45,174 
- 
2,331 
3,069 
1,400 
80,576 
4,832 

 $

- 
- 
3,080 
- 
4,711 
(1,155)
97,210 
7,519 

1,890,851 
166,842 
3,549 
6,919 
30,429 
30,289 
789,396 
26,950 

Net sales to outside 

customers 

Intersegment net sales 
Interest expense 
Amortization expense 
Depreciation expense 
Segment operating profit 
Segment assets 
Capital expenditures 

Net sales to outside 

customers 

Intersegment net sales 
Interest expense 
Amortization expense 
Depreciation expense 
Segment operating profit 
Segment assets 
Capital expenditures 

Net sales to outside 

customers 

Intersegment net sales 
Interest expense 
Amortization expense 
Depreciation expense 
Segment operating profit 
Segment assets 
Capital expenditures 

In 2012, 2011, and 2010, 18%, 23%, and 28% of net sales, respectively, were to a single customer. 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

Information regarding principal geographic areas was as follows (in thousands): 

2012 

2011 

2010 

United States 
Foreign 
Total 

  Net Sales 
 $

2,005,740 
49,193 
2,054,933 

 $

Long-Lived 
Tangible  
Assets 

Long-Lived 
Tangible  
Assets 

Long-Lived 
Tangible  
Assets 

Net Sales 

Net Sales 

 $

 $

220,513 
17,097 
237,610 

 $

 $

1,779,909 
42,427 
1,822,336 

 $

 $

221,269 
16,578 
237,847 

 $

 $

1,844,289 
46,562 
1,890,851 

 $

 $

218,533 
15,073 
233,606 

Sales generated in Canada and Mexico are primarily to customers in the United States of America. 

The following table presents, for the periods indicated, our percentage of value-added and commodity-based sales to total sales. 

2012 
2011 
2010 

 Value-Added  

 Commodity-Based  

58.7%  
58.8%  
58.6%  

41.3%
41.2%
41.4%

Value-added product sales consist of fencing, decking, lattice, and other specialty products sold to the retail building materials market, 
specialty  wood  packaging,  engineered  wood  components,  and  wood-alternative  products.  Engineered  wood  components  include  roof 
trusses,  wall  panels,  and  floor  systems.  Wood-alternative  products  consist  primarily  of  composite  wood  and  plastics.  Although  we 
consider the treatment of dimensional lumber with certain chemical preservatives a value-added process, treated lumber is not presently 
included in the value-added sales totals. Commodity-based product sales consist primarily of remanufactured lumber and preservative 
treated lumber. 

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UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

The following table presents, for the periods indicated, our gross sales (in thousands) by major product classification. 

Years Ended 
  December 31,     December 31,     December 25,  
2011 

2010 

2012 

Value-Added Sales 
Trusses – residential, modular and manufactured housing 
Fencing 
Decking and railing – composite, wood and other 
Turn-key framing and installed sales 
Industrial packaging and components 
Engineered wood products (eg. LVL; i-joist) 
Manufactured brite and other lumber 
Wall panels 
Outdoor DIY products (eg. stakes; landscape ties) 
Construction and building materials (eg. door packages; drywall) 
Lattice – plastic and wood 
Manufactured brite and other panels 
Siding, trim and moulding 
Hardware 
Manufactured treated lumber 
Manufactured treated panels 
Other 
Total Value-Added Sales 

Commodity-Based Sales 
Non-manufactured brite and other lumber 
Non-manufactured treated lumber 
Non-manufactured brite and other panels 
Non-manufactured treated panels 
Other 
Total Commodity-Based Sales 
Total Gross Sales 
Sales allowances 
Total Net Sales 

 $

185,939 
125,887 
123,935 
137,633 
199,595 
50,703 
56,991 
23,584 
38,916 
125,446 
38,005 
61,013 
24,996 
13,350 
11,566 
6,336 
54 
1,223,949 

348,083 
285,929 
194,144 
25,782 
8,118 
862,056 
2,086,005 
(31,072)
2,054,933 

 $

 $

148,715 
145,486 
126,832 
120,317 
174,057 
41,313 
49,355 
19,049 
40,716 
94,768 
42,792 
39,772 
20,088 
12,094 
11,749 
5,418 
94 
1,092,615 

304,070 
285,340 
144,236 
23,386 
7,767 
764,799 
1,857,414 
(35,078)
1,822,336 

 $

 $

167,165 
162,314 
162,699 
117,340 
142,369 
46,069 
50,540 
26,093 
46,610 
73,629 
45,819 
37,046 
19,469 
12,204 
11,706 
4,562 
92 
1,125,726 

315,634 
305,756 
147,845 
21,330 
5,851 
796,416 
1,922,142 
(31,291)
1,890,851 

P. 

QUARTERLY FINANCIAL INFORMATION (UNAUDITED) 

The following table sets forth selected financial information for all of the quarters, each consisting of 13 weeks (except fourth quarter of 
2011 which consisted of 14 weeks) during the years ended December 29, 2012 and December 31, 2011 (in thousands, except per share 
data): 

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Net sales 
Gross profit 
Net earnings (loss) 
Net earnings (loss) 

attributable to controlling 
interest 

Basic earnings (loss) per 

share 

Diluted earnings (loss) per 

share 

UNIVERSAL FOREST PRODUCTS, INC. 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED 

First 

Second 

Third 

Fourth 

 $

2012 
457,111 
53,666 
4,386 

 $

2011 
387,233 
41,414 
(3,412)

 $

2012 
593,693 
71,747 
18,010 

 $

2011 
544,139 
56,587 
4,496 

 $

2012 
533,366 
55,227 
4,756 

 $

2011 
468,941 
54,358 
6,005 

 $

2012 
470,763 
44,337 
(1,141)

 $

2011 
422,023 
47,368 
(1,176)

4,155 

(3,670)

17,509 

4,277 

4,198 

5,616 

(1,927)

(1,674)

0.21 

0.21 

(0.19)

(0.19)

0.88 

0.88 

0.22 

0.22 

0.21 

0.21 

0.29 

0.29 

(0.10)

(0.10)

(0.09)

(0.09)

Q. 

SUBSEQUENT EVENTS 

On December 31, 2012, one of our subsidiaries acquired the operating assets of Custom Caseworks, Inc. a high-precision business-to-
business manufacturer of engineered wood products used in a variety of applications in many commercial markets and had annual sales 
of $7 million. The purchase price was $6.3 million. 

Our common stock trades on The Nasdaq Stock Market (“NASDAQ”) under the symbol UFPI. The following table sets forth the range of high and 
low sales prices as reported by NASDAQ. 

PRICE RANGE OF COMMON STOCK AND DIVIDENDS 

Fiscal 2012 
Fourth Quarter 
Third Quarter 
Second Quarter 
First Quarter 

High 

43.04     
43.36     
39.62     
37.60     

Low 

  Fiscal 2011 
32.56  Fourth Quarter 
30.76  Third Quarter 
30.92  Second Quarter 
29.39  First Quarter 

High 

Low 

31.75     
31.95     
37.53     
39.84     

22.91 
23.02 
26.00 
32.27 

There were approximately 1,200 shareholders of record as of January 31, 2013. 

In 2012 and 2011, we paid dividends on our common stock of $0.20 per share each in June and December. We intend to continue with our current 
semi-annual dividend policy for the foreseeable future. 

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STOCK PERFORMANCE GRAPH 

The  following  graph  depicts  the  cumulative  total  return  on  our  common  stock  compared  to  the  cumulative  total  return  on  the  indices  for  The 
Nasdaq Stock Market (all U.S. companies) and an industry peer group we selected. The graph assumes an investment of $100 on December 31, 
2007, and reinvestment of dividends in all cases. 

Comparison of 5 Year Cumulative Total Return 
Assumes Initial Investment of $100 
December 2012 

The companies included in our self-determined industry peer group are as follows: 

Bluelinx Holdings Inc. 
Builders FirstSource, Inc. 

Louisiana-Pacific Corp. 

The  returns  of  each  company  included  in  the  self-determined  peer  group  are  weighted  according  to  each  respective  company's  stock  market 
capitalization  at  the  beginning  of  each  period  presented  in  the  graph  above.  In  determining  the  members  of  our  peer  group,  we  considered 
companies who selected UFPI as a member of their peer group, and looked for similarly sized companies or companies that are a good fit with the 
markets we serve. 

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BOARD OF DIRECTORS 

William G. Currie 
Chairman of the Board 
Universal Forest Products, Inc. 

Matthew J. Missad 
Chief Executive Officer 
Universal Forest Products, Inc. 

John M. Engler 
President 
Business Roundtable 

John W. Garside 
President and Treasurer 
Woodruff Coal Company 

Gary F. Goode, CPA 
Chairman 
Titan Sales & Consulting, LLC 

Mark A. Murray 
Co-Chief Executive Officer 
Meijer, Inc. 

Louis A. Smith 
President 
Smith and Johnson, Attorneys, P.C. 

Thomas W. Rhodes 
President and Chief Executive Officer 
TWR Enterprises, Inc. 

Bruce A. Merino 

Directors and Executive Officers 

EXECUTIVE OFFICERS 

Matthew J. Missad 
Chief Executive Officer 

Patrick M. Webster 
President and Chief Operating Officer 

Michael R. Cole 
Chief Financial Officer and Treasurer 

Robert W. Lees 
President 
UFP Eastern Division, Inc. 

Allen T. Peters 
President 
UFP Western Division, Inc. 

Robert D. Coleman 
Executive Vice President Manufacturing 

C. Scott Greene 
Executive Vice President 
New Business Development 

Donald L. James 
Executive Vice President 
National Sales 

Michael F. Mordell 
Executive Vice President 
UFP Purchasing, Inc. 

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ANNUAL MEETING 

Shareholder Information 

The annual meeting of Universal Forest Products, Inc. will be held at 8:30 a.m. on April 17, 2013, at 2880 East Beltline Lane NE, Grand Rapids, MI 
49525. 

SHAREHOLDER INFORMATION 

Shares  of  the  Company's  stock  are  traded  under  the  symbol  UFPI  on  the  NASDAQ  Stock  Market.  The  Company's  10-K  report,  filed  with  the 
Securities and Exchange Commission, will be provided free of charge to any shareholder upon written request. For more information contact: 

Investor Relations Department 
Universal Forest Products, Inc. 
2801 East Beltline NE 
Grand Rapids, MI 49525 
Telephone: (616) 364-6161 
Web: www.ufpi.com 

SECURITIES COUNSEL 

Varnum, LLP 
Grand Rapids, MI 

INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 

Ernst & Young LLP 
Grand Rapids, MI 

TRANSFER AGENT/SHAREHOLDER INQUIRIES 

American  Stock  Transfer  &  Trust  Company  serves  as  the  transfer  agent  for  the  Corporation.  Inquiries  relating  to  stock  transfers,  changes  of 
ownership, lost or stolen stock certificates, changes of address, and dividend payments should be addressed to: 

American Stock Transfer & Trust Co. 
59 Maiden Lane 
New York, NY 10005 
Telephone: (718) 921-8210 

UNIVERSAL FOREST PRODUCTS®, INC., CORPORATE HEADQUARTERS 

2801 East Beltline NE 
Grand Rapids, MI 49525 
Telephone: (616) 364-6161 
Facsimile: (616) 364-5558 

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UNIVERSAL FOREST PRODUCTS®, INC., AND ITS AFFILIATES 

Locations: 
Ashburn, GA 
Auburndale, FL 
Bay City, MI 
Belchertown, MA 
Berlin, NJ 
Blanchester, OH 
Burlington, NC 
Chaffee, NY 
Chandler, AZ 
Chesapeake, VA 
Conway, SC 
Cordele, GA 
Dallas, NC 
Denver, CO 
Durango, Durango, Mexico 
Eatonton, GA 
Elizabeth City, NC 
Elkhart, IN 
Emlenton, PA 
Gordon, PA 
Grandview, TX 
Grand Rapids, MI 
Granger, IN 
Greene, ME 
Haleyville, AL 
Harrisonville, MO 
Hillsboro, TX 
Hudson, NY 
Hutchinson, MN 
Janesville, WI 
Jefferson, GA 
Lacolle, Quebec, Canada 
Lafayette, CO 
Liberty, NC 

McMinnville, OR 
Medley, FL 
Minneota, MN 
Morristown, TN 
Moultrie, GA 
Muscle Shoals, AL 
New London, NC 
New Waverly, TX 
New Windsor, MD 
Parker, PA 
Pearisburg, VA 
Plainville, MA 
Ponce, Puerto Rico 
Prairie du Chien, WI 
Ranson, WV 
Riverside, CA 
Saginaw, TX 
Salisbury, NC 
San Antonio, TX 
Schertz, TX 
Sidney, NY 
Snohomish, WA 
Stockertown, PA 
Thornton, CA 
Turlock, CA 
Union City, GA 
Warrens, WI 
Wenatchee, WA 
White Bear Lake, MN 
White Pigeon, MI 
Windsor, CO 
Woodburn, OR 
Yakima, WA 

64