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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FY2013 Annual Report · UFP Industries
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Report to Shareholders 

2013 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
“A goal without a plan is just a wish.” Antoine de Saint-Exupéry 

To Our Shareholders: 

At Universal, we know that wishes don’t grow sales, pay our people or reward our investors. Those come from 

results that are created through careful planning, preparation and execution. That was our recipe for success in 

2013 as the companies of Universal Forest Products, Inc., delivered the strongest results in years. We’re back  

to $2.5 billion in sales, which is up 20 percent over 2012, and had net earnings of $43 million, an 80 percent 

increase over last year. We’re on track to reach our goals: $3 billion in sales, operating margins at normal 

historical levels and earning a return in excess of our cost of capital by 2017.  And we are excited, motivated  

and hard at work to beat our own expectations.  

Sales to our markets were up nearly 12 percent in retail, more than 31 percent in construction and 19 percent 

in industrial. While the numbers are reminiscent of our performance during the homebuilding and economic 

boom of the early 2000s, they feel—and are—much different: They were hard-fought, born of lessons learned 

from challenging times and derived from years of reinvention, refocus and determination. These results didn’t 

come easy, but they set a solid foundation for sustainable business growth in the years ahead. We are a wiser, 

more diversified company today, supplying more customers with new and better products and looking into the 

far corners of our markets, and deep into our experience and creativity, for continued growth.  

Our new product initiative, an important growth strategy, resulted in sales of $85 million in 2013. We’re proud 

of that achievement, and we have a long way to go. But, we now have systems and a mindset that encourage 

the development of ideas from concept to sale. We also are assessing current and future lines of business for 

new opportunities through innovation and development initiatives.  These efforts are energizing employees 

throughout the companies of Universal at all levels of our organization, and producing results.   

In retail, we are focused on growing our business with big box and independent retailers, as well as with 

customers that focus on professional contractors. Our product mix is constantly evolving with a consistent 

focus on what the consumer needs and is willing to pay for. You probably would expect our companies to  

make preservative treated lumber, wood railings and lattice, but what about composite landscape rocks, glass 

and aluminum railing kits, and postcaps and deck lighting? These are in our portfolio, and we have plans for 

much, much more. 

Construction is becoming a healthier market again. We are focused on taking only business that makes 

financial sense. As we’ve said in the past, we can’t afford to take business for practice. We know what we’re 

good at and we want to do more of it, with great quality and a fair profit. We continue to add to our design and 

Universal Forest Products, Inc. 

2013 Letter to Shareholders 

Page ii 

 
 
 
 
engineering strengths to assist our customers with the issues they face on job sites: shortage of skilled labor, 

tight time requirements and consistent quality.  We provide manufactured items and engineered wood 

products, and other items that save time, money and headaches. 

We remain focused on growing our industrial business with new customers, products and services. It is a highly 

fragmented market, and a competitive one, and we believe our service and quality will continue to attract more 

customers. We have to fight hard and perform better than our competition to continue to grow in this market, 

and that’s what we’re doing. So far, our approach is working.  

We are determined to make sure our business isn’t “here today, gone tomorrow” by creating sustainable 

opportunities with trusted customers and vendors who value mutual success. Some are new relationships that 

we are carefully cultivating; some are decades old and have survived the tests of time, challenge and change. 

Together, these relationships and the hard work of our people allowed us to turn in some pretty solid results.  

What are the secrets to future success?  Simply put: We hate to lose. We will work harder, train smarter and 

give our best to make sure the customer has better results by working with us. We continue to seek out growth 

opportunities that are in our strategic wheelhouse:  a larger geographic footprint, new products, and 

partnerships and acquisitions that are great cultural fits and that have valuations that allow us to create value 

for our shareholders. We haven’t found too many acquisition opportunities that meet these requirements, but 

we are diligent, consistent and patient in our approach.  

To meet our business growth targets, we need our current employees to continue to grow and we need to 

recruit future leaders. We are doing that through enhanced training and development programs and regional 

recruiting. We are willing to reach out everywhere for talented employees—we’ll even shamelessly solicit our 

shareholders to help us find highly motivated and hard-working people to join our team. Send them our way! 

Next year, Universal will celebrate its 60th year of doing business. The two of us have been affiliated with the 

Company for 43 (Bill) and 35 (Matt) years, and these are as exciting and promising times as we’ve ever seen. 

We’re becoming a stronger, more sustainable, more diverse organization that has opportunities for growth in 

many corners of business and around the globe. And we have the best, hardest-working people delivering 

results in a competitive world and markets. But our fiercest competition comes from within: from our ongoing 

challenge to do better tomorrow than today and our determination to hold ourselves and each other accountable 

for doing exactly that.  The vast majority of our employees own UFPI stock, so when we say we’re focused on 

creating great results for our valued stockholders, we have many motivations for achieving our goals.  

Thank you for placing your investment and trust in the Universal Forest Products family of companies.  

We don’t simply wish for your continued support and investment; we plan to earn it.  

William G. Currie  
Chairman of the Board 

Matthew J. Missad 
Chief Executive Officer 

Universal Forest Products, Inc. 

2013 Letter to Shareholders 

Page iii 

 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 
FINANCIAL INFORMATION 

Table of Contents 

Selected Financial Data..............................................................................................2 

Management's Discussion and Analysis of Financial Condition 
     and Results of Operations .....................................................................................3-25 

Management's Annual Report on Internal Control 
     Over Financial Reporting ......................................................................................26 

Report of Independent Registered Public Accounting Firm  .....................................27 

Report of Independent Registered Public Accounting Firm ......................................28 

Consolidated Balance Sheets as of December 28, 2013 
     and December 29, 2012 ........................................................................................29-30 

Consolidated Statements of Earnings and Comprehensive Income  
     for the Years Ended December 28, 2013, December 29, 2012,  
     and December 31, 2011 ........................................................................................31 

Consolidated Statements of Shareholders' Equity for the Years Ended 
     December 28, 2013, December 29, 2012, and December 31, 2011 .....................32-34 

Consolidated Statements of Cash Flows for the Years Ended 
     December 28, 2013, December 29, 2012, and December 31, 2011 .....................35-36 

Notes to Consolidated Financial Statements..............................................................37-60 

Price Range of Common Stock and Dividends..........................................................61 

Stock Performance Graph ..........................................................................................62 

Directors and Executive Officers ...............................................................................63 

Shareholder Information ............................................................................................64-65

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 

2013 

2012 

2011 

2010       

2009       

$2,470,448 
280,552 
70,258 

$2,054,933 
225,109 
41,064 

$1,822,336 
199,727 
8,787 

$1,890,851 
229,955 
27,111 

$1,673,000 
243,664 
38,583 

43,082 
$2.15 
$0.410 

23,934 
$1.21 
$0.400 

4,549 
$0.23 
$0.400 

17,411 
$0.89 
$0.400 

24,272 
$1.25 
$0.260 

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) 

$357,299 
916,987 
84,700 
649,734 

$338,389 
860,540 
95,790 
607,525 

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

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

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

11.4% 

11.0% 

11.0% 

12.2% 

14.6% 

1.7% 
7.1% 
3.59 
0.13 
$32.57 

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 

(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. 

2 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

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 
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 2013. 

the  markets  we  serve;  government  regulations,  particularly 

in 

OVERVIEW 

Our results for 2013 were impacted by the following: 

• Our sales increased 20% in 2013 due to a 12% increase in our selling prices due to the Lumber 
Market  and  an  8%  increase  in  unit  sales.    See  “Historical  Lumber  Prices”.    Our  unit  sales 
increased in all five of our markets classifications, with our strongest growth occurring in our 
housing and  construction markets (commercial  construction and concrete forming,  residential 
construction, and manufactured housing). Our unit sales to the retail building materials market 

3 

 
  
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

reported an increase of approximately 1% and our industrial market increased by 8%, in part, 
due to recent acquisitions. 

• National housing starts increased approximately 21% in the period of December 2012 through 
November 2013 (our sales trail housing starts by about a month) compared to the same period 
of 2012, while our unit sales increased 12% in the residential construction market.  Since the 
downturn  in  housing  began,  suppliers  servicing  this  market  were  challenged  with  significant 
excess  capacity.    We  have  maintained  our  focus  on  profitability  and  cash  flow  by  being 
selective  in  the  business  that  we  take.  Consequently,  our  revenue  growth  may  trail  market 
growth from time to time. 

• Shipments of HUD code manufactured homes were up 9% in the period from January through 
November  2013,  compared  to  the  same  period  of  2012.    In  addition,  through  the  first  nine 
months  of  2013  (the  last  period  reported),  modular  home  starts  increased  by  5%.    These 
increases helped drive our 11% increase in unit sales to this market.  

• Our gross profit dollars increased by 25% comparing 2013 to 2012, which compares to our 8% 
increase in unit sales.  Our profitability has improved primarily due to a combination of higher 
unit sales and improved  operating leverage we have in the cost structure  of our business and 
improvements in our sales mix whereby our sales of higher margin products have increased.  In 
addition,  pricing  pressure  on  sales  to  the  residential  construction  market  has  eased.  These 
factors were offset by the higher level of lumber prices in 2013 relative to 2012. 

• We  recorded  loss  contingencies  of  $1.6  million  in  2013  and  $2.3  million  in  2012  related  to 
anti-dumping duty assessments estimated on plywood and steel nails imported from China and 
Canadian anti-dumping duties.  The Canadian government has imposed retroactive assessments 
for antidumping and countervailing duties tied to certain extruded aluminum products imported 
from  China.    We  continue  to  work  with  the  applicable  government  agencies  to  clarify  the 
applicability of these rules to our products. 

• Higher unit sales and lumber prices have resulted in a year over year increase in our working 

capital. 

4 

 
  
 
     
 
 
 
 
  
UNIVERSAL FOREST PRODUCTS, INC. 

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

HISTORICAL LUMBER PRICES 

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

Random Lengths Composite 
Average $/MBF 
2012 

2013 

2011 

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

$393 
409 
436 
429 
367 
329 
343 
353 
368 
384 
398 
385 
$383 
18.2% 

$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 

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 
2012 

2011 

2013 

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

$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 

$397 
426 
445 
436 
383 
355 
366 
364 
360 
356 
362 
360 
$384 
21.9% 

5 

 
  
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

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. 

(cid:1) 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.    

(cid:1) 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: 

(cid:1) 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 

6 

 
  
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

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.) 

(cid:1) 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. 

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

Period 1  Period 2 
$400 
    50 
450 
    50 
$500 
10.0% 

$300 
    50 
350 
    50 
$400 
12.5% 

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 

We completed four business acquisitions during 2013 and two during 2012 and each was accounted for 
using the purchase method.  The aggregate annual revenue of these acquisitions totaled $58 million.  
These business combinations were not significant to our operating results individually or in aggregate, 
and thus pro forma results for 2013 and 2012 are not presented.  No business combinations were 
completed in fiscal 2011. 

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

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. 

7 

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

Net sales 
Cost of goods sold 
Gross profit 
Selling, general, and administrative 
expenses 
Loss contingency for anti-dumping 
duty assessments 
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 

Years Ended 
December 28, 2013  December 29, 2012  December 31, 2011 
100.0  % 
89.0 
11.0 

100.0  % 
89.0 
11.0 

88.6 
11.4 

100.0  % 

8.3 

0.1 

- 
3.0 
0.2 
2.8 
1.0 
1.9 

(0.1) 

9.0 

0.1 

(0.3) 
2.2 
0.2 
2.0 
0.7 
1.3 

(0.1) 

10.0 

- 

0.3 
0.7 
0.2 
0.5 
0.2 
0.3 

(0.1) 

1.7  % 

1.2  % 

0.2  % 

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

GROSS SALES 

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: 

(cid:1) 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.   

(cid:1) Expanding geographically in our core businesses, domestically and internationally.   

(cid:1) 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.  

(cid:1) Developing new products and expanding our product offering for existing customers.  New product 

sales were $85 million in 2013 and $53 million in 2012. 

8 

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

(cid:1) 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 
Housing and Construction 
Total Gross Sales 
Sales Allowances 
Total Net Sales 

December 
28, 
2013 
$936,590 
701,688 

388,697 
340,296 

136,641 
865,634 
2,503,912 
(33,464) 
$2,470,448 

Years Ended 

December 
29, 
2012 
$836,670 
589,893 

314,095 
255,544 

89,804 
659,443 
2,086,005 
(31,072) 
  $2,054,933 

% 
Change 
(0.3) 
19.8 

28.4 
25.9 

14.5 

12.3 

12.8 

December 
31, 
2011 
$838,903 
492,476 

244,663 
202,970 

78,402 
526,035 
1,857,414 
(35,078) 
  $1,822,336 

% 
Change 
11.9 
19.0 

23.8 
33.2 

52.2 

20.0 

20.2 

Note:  During  2013,  certain  customers  were  reclassified  to  a  different  market.    Prior  year 
information has been restated to reflect these changes. 

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. 

2013 versus 2012 ...............................................  
2012 versus 2011 ...............................................  
2011 versus 2010 ...............................................  

                           % Change                                    
in Units 
in Selling Prices 
8% 
12% 
4% 
8% 
2% 
-5% 

in Sales 
20% 
12% 
-3% 

Gross sales in 2013 increased 20% compared to 2012 due to a 12% estimated increase in overall 
prices primarily resulting from the higher level of the Lumber Market, which impacts our selling 
prices to customers in each of our markets, and an 8% increase in overall unit sales.  Unit sales 
increased due to improved demand in our housing and construction markets and share  gains in 
our retail and industrial markets.   

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.   

9 

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

Changes in our sales by market are discussed below.   

Retail Building Materials: 

Gross sales to the retail building materials market increased 12% in 2013 compared to 2012 due 
to an 11% increase in lumber prices and an estimated 1% increase in overall unit sales.  Within 
this  market,  sales  to  our  big  box  customers  increased  11%  while  our  sales  to  other  retailers 
increased 13%.  We believe that our increase in  unit sales is due to a slight increase in market 
share.    Sales  to  this  market  for  the  first  half  of  2013  were  adversely  impacted  by  inclement 
weather, resulting in a shifting of some consumer demand to our third quarter. 

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.  

Industrial: 

Gross sales to the industrial market increased 19% in 2013 compared to 2012, resulting from an 
11% increase in selling prices and an 8% increase in unit sales.  We acquired two new operations 
(Nepa  Pallet  and  Container  Co,  Inc.  and  Custom  Caseworks,  Inc.,  which  contributed  to  our 
growth in unit sales.  Our sales also increased as a result of adding 218 new customers during the 
year.  Demand from our existing customers was soft for much of the year.  

Gross  sales  to  the  industrial  market  increased  20%  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. 

Manufactured Housing: 

Gross sales to the manufactured housing market increased 24% in 2013 compared to 2012, due 
to an 11% increase in unit sales and a 13% increase in selling prices due to the lumber market.  
Production  of  HUD-code  homes  increased  9%  compared  to  2012  and  modular  home  starts 
increased 5% for the first nine months of 2013 (the last period reported).   

Gross sales to the manufactured housing market increased 28% in 2012 compared to 2011 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.   

10 

 
  
 
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

Residential Construction: 

Gross sales to the residential construction market increased 33% in 2013 compared to 2012 due 
to  a  21%  increase  in  lumber  prices  and  a  12%  increase  in  our  unit  sales.      By  comparison, 
national  housing  starts  increased  approximately  21%  in  the  period  of  December  2012  through 
November 2013 (our sales typically trail housing starts by about a month), compared to the same 
period of 2012.  Our sales growth may trail the market from time to time as we are selective in 
the business that we take due to our focus on profitability and cash flow. 

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 were selective in the business that we pursued in order to improve profitability.  As 
a result, we lost some share of this market. 

Commercial Construction and Concrete Forming: 

Gross sales to the commercial construction and concrete forming market increased 52% in 2013 
compared  to  2012  due  to  a  39%  increase  in  unit  sales  and  a  13%  increase  in  selling  prices.  
Within  this  market,  sales  to  commercial  builders  increased  84%,  and  sales  of  products  used  to 
make  concrete  forms  increased  34%  due  to  our  continued  focus  on  growing  our  share  of  this 
market.  Our sales to commercial builders increased primarily due to a new product offering of 
installed cabinets to customers in our Gulf Region.  

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.   

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. 

2013................................................. 
2012................................................. 
2011................................................. 

58.1%  
58.7%  
58.8%  

41.9% 
41.3% 
41.2% 

Value-Added  Commodity-Based 

11 

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
UNIVERSAL FOREST PRODUCTS, INC. 

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

COST OF GOODS SOLD AND GROSS PROFIT 

Our gross profit percentage increased from 11.0% in 2012 to 11.4% in 2013.  This improvement 
in  profitability  resulted  from  unit  sales  growth  combined  with  operating  leverage  in  our  cost 
structure,  as  well  as  an  improvement  in  our  sales  mix,  whereby  our  sales  of  higher  margin 
products  has  increased.    In  addition,  the  pricing  pressure  we  experienced  on  sales  to  our 
residential construction customers has eased as market activity has improved and we have been 
selective in the business that we take.  These  factors were offset by the  higher level of lumber 
prices in 2013 relative to 2012.  As explained above, based upon the manner in which the sale 
price  of  certain  of  our  products  is  established,  higher  relative  lumber  prices  tend  to  reduce  our 
gross  profits  as  a  percentage  of  sales.    (See  "Impact  of  Lumber  Market  on  Our  Operating 
Results".)    We  also  measure  our  relative  profitability  by  comparing  our  gross  profit  dollars  to 
changes in unit sales.  For 2013, our gross profit dollars increased by 24.6%, exceeding our 8% 
increase in unit sales. 

Our  gross  profits  increased  by  13%  comparing  2012  to  2011  while  our  unit  sales  increased  by 
4%.  Our improved profitability was primarily impacted by the following factors:   

(cid:1) 

(cid:1)  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. 

(cid:1)  We lost some market share with a major retail customer in 2012, primarily in product 

lines with lower gross margins. 

(cid:1)  The favorable factors above were offset to some extent by pricing pressure in each of 

our markets. 

SELLING, GENERAL, AND ADMINISTRATIVE EXPENSES 

Selling,  general  and  administrative  ("SG&A")  expenses  increased  by  approximately  $19.5 
million,  or  10.5%,  in  2013  compared  to  2012,  while  we  reported  an  8%  increase  in  unit  sales.  
The increase in SG&A was primarily due to an increase in base wages as a result of raises and 
hiring additional sales and engineering personnel to support sales growth, and certain incentive 
compensation expense tied to profitability and return on investment which represented over half 
of the overall increase.   

Selling,  general  and  administrative  ("SG&A")  expenses  increased  by  approximately  $3.6 
million, or 2.0%, 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 included $1.7 million to SG&A 
expenses  and  $1.5  million  to  interest  income.    These  increases  were  offset  by  decreases  in 

12 

 
  
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

compensation  and  related  expenses  and  as  well  as  certain  other  expenses  attributable  to  our 
continuing efforts to reduce our cost structure. 

ANTI-DUMPING DUTY ASSESSMENTS 

In  2012,  we  recorded  a  $2.3  million  loss  contingency  for  a  Canadian  anti-dumping  duty.  The 
Canadian  government  imposed  retroactive  assessments  for  antidumping  and  countervailing 
duties  tied  to  certain  extruded  aluminum  products  imported  from  China.    An  additional  $0.6 
million was recorded during 2013.   

During 2013, we accrued $0.9 million related to anti-dumping duty assessments imposed by the 
US  government  estimated  on  plywood  and  steel  nails  imported  from  China.    We  continue  to 
work  with  US  Customs  and  Border  Protection  to  mitigate  potential  charges.    This  duty  is 
unrelated to the Canadian duty assessment disclosed above. 

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

We  incurred  $0.4  million,  $1.3  million  and  $6.4  million  of  charges  in  2013,  2012  and  2011, 
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.    The  present  value  of  these  payments  totaled  approximately  $1.2 
million  and  $1.8  million  at  December  28,  2013  and  December  29,  2012,  respectively,  and  is 
accrued in other liabilities. 

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 

INTEREST, NET 

13 

 
  
 
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

Net  interest  costs  were  higher  in  2013  compared  to  2012,  due  to  higher  debt  levels  in  2013 
resulting from the impact of higher lumber prices and greater sales volumes on working capital 
and the issuance of long-term debt at the end of 2012 which carried a higher interest rate than our 
revolving credit facility. 

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

INCOME TAXES 

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 decreased to 
34.8% in 2013 compared to 36.6% in 2012.  The decrease is due to a decline in the state income 
tax  rate  resulting  from  franchise  taxes  which  remain  relatively  unchanged  even  when  income 
increases,  along  with  research  and  development  and  certain  other  tax  credits  related  to  2012, 
which  Congress  approved  in  2013.    See  Notes  to  Consolidated  Financial  Statements,  Note  K, 
“Income Taxes”. 

Our effective tax rate increased to 36.6% in 2012 compared to 32.5% in 2011.  This increase is 
due in part to the expiration of the research and development tax credit offset by the impact of 
permanent tax differences on higher income.  

SEGMENT REPORTING 

The  following  table  presents,  for  the  periods  indicated,  our  net  sales  and  earnings  from  operations  by 
reportable segment.     

(in thousands) 

Net Sales 

Eastern and Western 
Site-Built 
All Other 
Corporate 
Total 

December 28, 
2013 
$1,987,751 
272,114 
210,583 
- 
$2,470,448 

December 29, 
2012 
$1,635,178 
222,824 
196,931 
- 
$2,054,933 

December 31, 
2011 
$1,486,058 
183,120 
153,158 
- 
$1,822,336 

2013 vs 
2012  

2012 vs 
2011  

21.6% 
22.1 
6.9 
- 
20.2% 

10.0% 
21.7 
28.6 
- 
12.8% 

(in thousands) 

Earnings from Operations 

December 28, 
2013 

December 29, 
2012 

Eastern and Western 
Site-Built 
All Other 
Corporate1 
Total 

$79,419 
7,947 
(2,366) 
(10,732) 
$74,268 

$60,573 
1,299 
(11,316) 
(6,028) 
$44,528 

14 

December 31, 
2011 
$28,198 
(6,349) 
(8,731) 
(1,107) 
$12,011 

2013 vs 
2012  

2012 vs 
2011  

31.1% 
511.8 
79.1 
(78.0) 
66.8% 

114.8% 
120.5 
(29.6) 
(444.5) 
270.7% 

 
  
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

1Corporate primarily represents over (under) allocated administrative costs and certain incentive compensation expense. 

Eastern and Western 

Net sales of the Eastern and Western reportable segment increased 21.6% in 2013 compared to 2012, 
due to increased lumber prices and: 

•  An  increase  in  commercial  construction  and  concrete  forming  sales  primarily  due  to  new 

products introduced in our Gulf region and other market share gains. 

•  An  increase  in  manufactured  housing  sales  due  to  an  increase  in  industry  production  of  HUD 

code homes. 

•  Recently acquired businesses that serve the industrial market. 
•  A slight increase in sales to retail customers due to market share gains. 

Net sales of the Eastern and Western reportable segment increased 10.0% in 2012 compared to 2011, 
primarily due to:   

•  A 19% increase in Industrial sales resulting from higher lumber prices and greater unit sales due 

to market share gains. 

•  A 28% increase in Manufactured Housing sales due to higher lumber prices and an increase in 

industry production of HUD code homes. 

•  A  15%  increase  in  Commercial  Construction  and  Concrete  Forming  sales  primarily  due  to  a 

significant increase in the sale of products used to make concrete forms. 

Earnings  from  operations  for  the  Eastern  and  Western  reportable  segment  increased  in  2013  primarily 
due to greater unit sales and operating leverage on labor and overhead costs as well as improvements in 
our sales mix whereby our sales of higher margin products has increased.   

Earnings from operations for the Eastern and Western reportable segment increased in 2012 compared to 
2011 primarily due to the following factors: 

•  Selling into a rising lumber market for much of the first half of 2012. 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.  Adverse  weather  conditions  in  many  areas  of  the  country  resulted  in  lost 
production days during early 2011. 

•  Earnings from operations were impacted in 2012 by  a $6.9 million net  gain on the sale of  real 

estate.   

Site-Built 

Net sales of the Site-Built reportable segment increased 22.1% in 2013 compared to 2012, primarily due 
to increased lumber prices, an easing of pricing pressure, and an increase in housing starts.  

15 

 
  
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

Net sales of the Site-Built reportable segment increased 21.7% in 2012 compared to 2011. This increase 
was  primarily  due  to  a  27%  increase  in  national  housing  starts  as  well  as  growth  in  commercial 
construction.  

Earnings  from  operations  for  the  Site-Built  reportable  segment  increased  in  2013  compared  to  2012, 
primarily  due  to  an  increase  in  unit  sales  and  operating  leverage  on  labor  and  overhead  costs  and  an 
easing  of  pricing  pressure  on  sales.    In  addition,  the  profits  of  our  turn-key  framing  operations  were 
adversely  impacted  by  an  unexpected  rise  in  labor  costs  early  in  the  year  on  certain  projects,  which 
offset some of the favorable impact of higher unit sales and pricing improvements. 

Earnings  from  operations  for  the  Site-Built  reportable  segment  increased  in  2012  compared  to  2011 
primarily  due  to  the  increase  in  unit  sales  mentioned  above  and  operating  leverage  we  have  in  the 
business. 

All Other 

Net sales of all other segments increased 6.9% in 2013 compared to 2012 primarily due to: 

•  An  increase  in  sales  to  the  manufactured  housing  market  by  our  UFP  Distribution  operations, 
primarily due to an increase in industry production of HUD code homes and market share gains 
from adding new product lines.   

•  An  increase  in  sales  to  the  industrial  market  by  our  Pinelli  Universal  partnership,  which 
manufactures moulding and millwork products out of its plant in Durango, Durango Mexico. 
•  An increase in sales by our Universal Consumer Products operations due to market share gains.   

Net sales of all other segments increased 28.6% in 2012 compared to 2011. This increase was primarily 
due to: 

•  An  increase  in  sales  to  the  Manufactured  Housing  market  by  our  UFP  Distribution  operations, 

primarily due to an increase in industry production of HUD code homes. 

•  An increase in sales to the Retail Building Materials market by our Universal Consumer Products 

operations, due to market share gains in composite decking and vinyl fencing products. 

•  An  increase  in  sales  to  the  Industrial  market  by  our  Universal  Pinelli  subsidiary,  which 

manufactures molding and millwork products out of its plant in Durango, Mexico. 

Earnings from operations for all other segments improved in 2013 compared to 2012, primarily due to 
improved  profitability  of  our  Universal  Consumer  Products  operations  resulting  from  operational 
improvements  and  our  Pinelli  Universal  partnership  due  to  the  higher  level  of  lumber  prices.    These 
factors  were  partially  offset  by  $7.5  million  of  additional  development  costs  associated  with  our  new 
Eovations product line. 

16 

 
  
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

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 28, 2013 (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 

Payments Due by Period 
After 
5 Years 

3 – 5 
Years 

1 – 3 
Years 

$ -  
2,979 
4,235 
4,152 
$11,366 

$ - 
5,957 
4,475 
- 
  $10,432 

$- 
5,957 
1,448 
- 
  $7,405 

  $84,700 
15,126 
- 
- 
  $99,826 

Total 

$84,700 
30,019 
10,158 
4,152 
$129,029 

As  of  December  28,  2013,  we  also  had  $26.5  million  in  outstanding  letters  of  credit  issued 
during the normal course of business, as required by some vendor contracts. 

LIQUIDITY AND CAPITAL RESOURCES 

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

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 (overdraft), end of year 

  December 28, 
2013 

$53,380 
(43,625) 
(18,419) 
(62) 
(8,726) 
7,647 
$(1,079) 

  December 29, 
2012 
($5,721) 
(34,223) 
36,695 
244 
(3,005) 
10,652 
$7,647  

  December 31, 
2011 
$11,515  
(32,990) 
(10,314) 
(259) 
(32,048) 
42,700  
$10,652  

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 

17 

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

quarters.    In  2013,  higher  lumber  prices  and  unit  sales  caused  our  investment  in  accounts 
receivable and inventory to increase. 

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 increased to 49 days in 2013 
from 48 days in 2012 due to a 1 day increase in our days supply of inventory.  In 2012, consumer 
demand  and  weather  were  unexpectedly  good  resulting  in  strong  sales  increases  and  higher 
inventory turnover.  Conversely, adverse weather in the first half of 2013 shifted some consumer 
demand to the third quarter and inventory turnover declined. 

Cash  generated  from  operating  activities  was  approximately  $53.4  million  in  2013,  which  was 
comprised  of  net  earnings  of  $45.8  million  and  $40.0  million  of  non-cash  expenses,  partially 
offset by a $32.4 million change in working capital since the end of 2012.  Working capital at the 
end of 2013 is higher than the end of 2012, primarily due to the impact of higher year over year 
lumber  prices  and  unit  sales  increases.    As  reflected  in  the  table  under  the  caption  “Historical 
Lumber Prices”, lumber prices were up 11% in the fourth quarter of 2013. 

Capital  expenditures  were  $40.0  million  in  2013  and  we  have  outstanding  purchase 
commitments  on  existing  capital  projects  totaling  approximately  $4.2  million  at  December  28, 
2013.    Included  within  capital  expenditures  was  $11.2  million  for  expansion  to  support  new 
product offerings and sales growth into new geographic markets and growing our manufacturing 
capabilities  to  serve  our  industrial  customers.    We  intend  to  fund  capital  expenditures  and 
purchase  commitments  through  our  operating  cash  flows  and  amounts  available  under  our 
revolving credit facility.   

Cash flows used in investing activities also included $11.5 million spent to acquire the net assets 
of SE Panel and Lumber Supply, LLC, Premier Laminating Services, Inc., Millry Mill Company, 
Inc.  and  Custom  Caseworks,  Inc.    See  Notes  to  Consolidated  Financial  Statements,  Note  C 
“Business Combinations”.   

In  2013,  cash  flows  used  in  financing  activities  included  $8.2  million  of  dividends  paid  to 
shareholders.    Our  Board  of  Directors  approved  two  semi-annual  dividends  of  $0.20  per  share 
and $0.21 per share, which were paid in June and December of 2013, respectively.  During 2013, 
we also paid down the $11.1 million balance on our revolving credit facility.   

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  28,  2013,  we  had  no  amounts  outstanding  on  our  $265  million  revolving  credit 
facility.  On December 29, 2012, we had $11.1 million outstanding.  The revolving credit facility 
is  scheduled  to  mature  in  November  of  2016.    The  revolving  credit  facility  supports  letters  of 

18 

 
  
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

credit  totaling  approximately  $9.8  million  on  December  28,  2013  and  $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 28, 
2013 and 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. 

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.  

19 

 
  
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

In the second quarter of fiscal 2013, we changed our annual testing date for evaluating goodwill 
and  indefinite-lived  intangible  asset  impairment  from  the  last  day  of  the  fiscal  year  to  the  first 
day of the Company’s fourth fiscal quarter for all reporting units and indefinite-lived intangible 
assets.  This  voluntary  change  in  accounting  method  is  preferable  under  the  circumstances 
because  it  will  allow  us  more  time  to  complete  the  annual  goodwill  and  indefinite-lived 
intangible asset impairment testing in advance of our year-end reporting.  This change does not 
delay, accelerate or avoid an impairment charge. The change is not applied retrospectively as it is 
impracticable to do so because retrospective application would require application of significant 
estimates  and  assumptions  with  the  use  of  hindsight.  Accordingly,  the  change  will  be  applied 
prospectively.   

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 28, 2013.  Our accounting policies with respect 
to the reserves are as follows: 

(cid:1)  General liability, automobile, and workers' compensation reserves are accrued based on third 

party actuarial valuations of the expected future liabilities. 

(cid:1)  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. 

(cid:1)  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.   

In  addition  to  providing  coverage  for  the  Company,  our  wholly-owned  insurance  captive 
provides  Excess  Loss  Insurance  (primarily  medical  and  prescription  drug)  to  certain  third 
parties.  As of December 28, 2013, there were nine such contracts in place.  The contracts have 
specific and/or aggregate coverage loss limits based on the election of the third parties.  Reserves 
associated  with  these  contracts  were  $0.9  million  at  December  28,  2013  and  $0.2  million  at 
December  29,  2012,  and  are  accrued  based  on  third  party  actuarial  valuations  of  the  expected 
future liabilities.  
.                     
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 

20 

 
  
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

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. 

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 

Revenue  for  product  sales  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. 

Performance on construction contracts is 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  per  the  contract.   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. 

Our  construction  contracts  are  generally  entered  into  with  a  fixed  price  and  completion  of  the 
projects  can  range  from  6  to  18  months  in  duration.   Therefore,  our  operating  results  are 
impacted by, among many other things, labor  rates and commodity  costs.  During the  year, we 
update our estimated costs to complete our projects using current labor and commodity costs and 
recognize losses to the extent that they exist. 

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 currently being 
seen.  With the assumption that housing starts will increase to 1.5 million starts by calendar 2015 
and  lead  to  a  broader  economic  recovery  that  favorably  impacts  all  of  our  markets,  we  are 

21 

 
  
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

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  primarily  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  that  spending  by  homeowners  on 
improvement  projects  will  continue  to  increase  at  a  double-digit  pace  in  early  2014  while  a 
slowdown can be expected by the middle of 2014.  However, even with the projected mid-year 
tapering,  remodeling  activity  is  expected  to  remain  at  healthy  levels.    The  Home  Improvement 
Research  Institute  (“HIRI”)  also  anticipates  growth  in  home  improvement  spending  and  has 
forecasted a 6.8% growth rate in 2014.  HIRI’s long-term forecast is for spending to grow up to 
4.3% by 2018. 

We  continue  to  compete  for  market  share  for  certain  retail  customers  and  face  intense  pricing 
pressure from other suppliers to this market.       

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

•  Increasing  our  market  share  of  value-added  and  preservative-treated  products,  particularly 

with independent retail customers. 

•  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 

22 

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

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  growth  opportunities  as  a  result  of  our  competitive  advantages  in 
manufacturing, purchasing, and material utilization.  We plan to continue to obtain market share 
by expanding our manufacturing capabilities and increasing the size of our dedicated industrial 
sales force.  We also plan to evaluate strategic acquisition opportunities. 

MANUFACTURED HOUSING MARKET 

The  National  Association  of  Home  Builders  forecasts  a  14%  increase  in  manufactured  home 
shipments in 2014.  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. 

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  13%  increase  in  national  housing 
starts  to  an  estimated  1.0  million  starts  in  2014.    The  National  Association  of  Home  Builders 
forecasts starts of 1.1 million, a 24% increase from 2013.  We believe we are well-positioned to 
capture  our  share  of  any  increase  that  may  occur  in  housing  starts  in  the  regions  we  operate.  
However, due to our continued focus on profitability and cash flow, our growth may continue to 
trail the market in 2014. 

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 the customers in this market. 

GROSS PROFIT 

We believe the following factors may impact our gross profits and margins in 2014: 

•  End market demand. 

23 

 
  
 
 
 
  
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

•  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 may experience pricing pressure in the 
future. 

•  Product mix. 

•  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  as  our  unit  sales  increase  and 

planned cost reductions through our continuous improvement and other initiatives. 

•  Operational improvements in our turn-key framing business.  

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 continue to minimize increases in 
these costs in the future as market conditions improve and we achieve our growth objectives.  In 
addition,  bonus  expense  for  all  salaried  employees  is  based  on  earnings  from  operations  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,  as  industry  conditions  continue  to 
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 earnings from operations 

and return on investment. 

•  Our growth and success in achieving continuous improvement objectives and leveraging 

our fixed costs. 

24 

 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS, INC. 

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

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  2014  and  incur 
depreciation  of  approximately  $32  million  and  amortization  and  other  non-cash  expenses  of 
approximately $3 million.  On December 28, 2013, we had outstanding purchase commitments 
on  capital  projects  of  approximately  $4.2  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 $0.21 per share paid 
semi-annually.   

Our Board of Directors has approved a share repurchase program, and as of December 28, 2013, 
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. 

25 

 
  
 
 
 
 
 
 
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 28, 
2013,  based  on  the  framework  in  Internal  Control-Integrated  Framework  issued  by  the 
Committee  of  Sponsoring  Organizations  of  the  Treadway  Commission  (1992  Framework)  
(“COSO”).  Based on that evaluation, management has concluded that as of December 28, 2013, 
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, 2014 

26 

 
 
 
 
 
 
 
 
 
 
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  28,  2013,  based  on  criteria  established  in  Internal  Control–Integrated  Framework  issued  by  the 
Committee of Sponsoring Organizations of the Treadway Commission (1992 framework) (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 28, 2013, 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  28,  2013  and  December  29,  2012  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 28, 2013, and our report dated February 26, 2014 expressed an unqualified opinion thereon. 

/s/ Ernst & Young LLP 

Grand Rapids, Michigan 
February 26, 2014 

27 

 
 
 
 
Report of Independent Registered Public Accounting Firm 

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

We  have  audited  the  accompanying  consolidated  balance  sheets  of  Universal  Forest  Products, 
Inc.  and  subsidiaries  as  of  December  28,  2013  and  December  29,  2012,  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 28, 2013. 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 28, 2013 and December 29, 2012, and the consolidated results of their operations and 
their  cash  flows  for  each  of  the  three  fiscal  years  in  the  period  ended  December  28,  2013,  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 28, 2013, based on criteria established in Internal 
Control–Integrated  Framework  issued  by  the  Committee  of  Sponsoring  Organizations  of  the 
Treadway Commission (1992 framework), and our report dated February 26, 2014, expressed an 
unqualified opinion thereon. 

/s/ Ernst & Young LLP 

Grand Rapids, Michigan 
February 26, 2014 

28 

 
 
 
 
 
 
 
 
  
 
 
UNIVERSAL FOREST PRODUCTS, INC.
CONSOLIDATED BALANCE SHEETS

(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

December 28,
2013

December 29,
2012

$                  
-
720
180,452

$          

7,647
6,831
163,225

161,226
126,079
287,305
2,235
6,866
18,820
496,398

1,365
12,087
160,146
2,340
7,241

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

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

115,155
173,641
260,807
23,233
5,866
578,702
(341,292)
237,410
916,987

$      

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

$      

29

               
            
        
        
        
        
        
        
        
        
            
            
            
            
          
          
        
        
            
            
          
          
        
        
            
            
            
            
        
        
        
        
        
        
          
          
            
            
        
        
       
       
        
        
UNIVERSAL FOREST PRODUCTS, INC.
CONSOLIDATED BALANCE SHEETS

(in thousands, except share data)

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

Compensation and benefits
Other

TOTAL CURRENT LIABILITIES

LONG-TERM DEBT
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, 19,948,270 and 19,799,606

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.

December 28,
2013

December 29,
2012

$          

1,079
72,918

$              
-
66,054

45,018
20,084
139,099

84,700
26,788
16,666
267,253

34,728
14,002
114,784

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

$              
-

$              
-

19,948
156,129
461,812
3,466
(732)
640,623
9,111
649,734
916,987

$      

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

$      

30

          
          
          
          
          
          
        
        
          
          
          
          
          
          
        
        
          
          
        
        
        
        
            
            
              
              
        
        
            
            
        
        
UNIVERSAL FOREST PRODUCTS, INC.
CONSOLIDATED STATEMENTS OF EARNINGS AND COMPREHENSIVE INCOME

(in thousands, except per share data)

Year Ended
December 28, December 29, December 31,
2012

2013

2011

NET SALES

$  

2,470,448

$  

2,054,933

$  

1,822,336

COST OF GOODS SOLD

2,189,896

1,829,824

1,622,609

GROSS PROFIT

280,552

225,109

199,727

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

EARLY RETIREMENT AND OTHER
IMPAIRMENT AND EXIT CHARGES

204,390
1,526

184,919
2,328

181,363
-

368

(6,666)

6,353

EARNINGS FROM OPERATIONS

74,268

44,528

12,011

INTEREST EXPENSE
INTEREST INCOME
EQUITY IN EARNINGS OF INVESTEE

EARNINGS BEFORE INCOME TAXES

INCOME TAXES

NET EARNINGS

LESS NET EARNINGS ATTRIBUTABLE TO 

NONCONTROLLING INTEREST

NET EARNINGS ATTRIBUTABLE TO
CONTROLLING INTEREST

4,851
(640)
(201)
4,010

70,258

24,454

45,804

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

41,064

15,054

26,010

3,732
(566)
58
3,224

8,787

2,874

5,913

(2,722)

(2,076)

(1,364)

$       

43,082

$       

23,934

$         

4,549

EARNINGS PER SHARE - BASIC

$           

2.16

$           

1.21

$           

0.23

EARNINGS PER SHARE - DILUTED

$           

2.15

$           

1.21

$           

0.23

OTHER COMPRESHENSIVE INCOME:

FOREIGN CURRENCY TRANSLATION ADJUSTMENTS

(784)

980

(1,067)

COMPREHENSIVE INCOME

45,020

26,990

4,846

LESS COMPREHENSIVE INCOME ATTRIBUTABLE

TO NONCONTROLLING INTEREST

COMPREHENSIVE INCOME ATTRIBUTABLE TO

(2,730)

(2,398)

(862)

CONTROLLING INTERST

$       

42,290

$       

24,592

$         

3,984

See notes to consolidated financial statements.

31

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

(in thousands, except share and per share data)

Controlling Interest Shareholders' Equity
Accumulat-
ed Other 
Comprehen-
sive 
Earnings
$       
4,165

Additional 
Paid-In 
Capital
138,573

$   

Retained 
Earnings
414,108
$   
4,549

Common 
Stock

$     

19,333

Employees 
Stock Notes 
Receivable
$      
(1,670)

Noncontrolling 
Interest

$             

6,667
1,364

$   

Total
581,176
5,913

(565)

(502)

(1,067)

80

80

(7,818)

9

137

150

8

(4)

2,834

8

(8)

684

1,361

744
(208)

(402)
(1,413)

(402)
(1,413)
(7,818)

2,971

167

-

684

1,361

744
(3)

209

206
(1,255)

$      

$             

5,794

206
582,599

$   

Balance at December 25, 2010
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

Balance at December 31, 2011

$     

19,624

$   

143,988

$   

410,848

$       

3,600

32

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

(in thousands, except share and per share data)

Common 
Stock

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

Controlling Interest Shareholders' Equity
Accumulat-
ed Other 
Comprehen-
sive 
Earnings

Additional 
Paid-In 
Capital

Retained 
Earnings
23,934

Employees 
Stock Notes 
Receivable

Noncontrolling 
Interest

2,076

658

322

436
(871)

(7,905)

10

90

50

37

(1)

1,971

37

(37)

765

1,270

1,836
(25)

27

Total
26,010

980

436
(871)
(7,905)

2,061

97

-

765

1,270

1,836
1

246
(982)

$         

$             

7,757

246
607,525

$   

Balance at December 29, 2012

$     

19,800

$   

149,805

$   

426,887

$       

4,258

33

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

Controlling Interest Shareholders' Equity
Accumulat-
ed Other 
Comprehen-
sive 
Earnings

Additional 
Paid-In 
Capital

Retained 
Earnings
43,082

Employees 
Stock Notes 
Receivable

Noncontrolling 
Interest

2,722

Total
45,804

(792)

8

(784)

84
(1,460)

84
(1,460)
(8,166)

2,144

60

-

290

1,874

2,219
-

106

144
(732)

$         

$             

9,111

144
649,734

$   

(in thousands, except share and per share data)

Common 
Stock

Net earnings
Foreign currency

translation adjustment
Capital contribution from
noncontrolling interest

Distributions to noncontrolling interest
Cash dividends - $0.410 per share
Issuance of 76,492 shares under

employee stock plans

Issuance of 30,808 shares under

stock grant programs

Issuance of 43,914 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

(8,166)

9

76

31

44

(3)

2,068

20

(44)

290

1,874

2,219
(103)

Balance at December 28, 2013

$     

19,948

$   

156,129

$   

461,812

$       

3,466

See notes to consolidated financial statements

34

       
               
       
           
                      
           
                    
              
             
        
        
        
              
         
         
              
              
                
              
              
             
                 
            
            
         
         
         
         
               
           
            
                 
            
            
UNIVERSAL FOREST PRODUCTS, INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS

(in thousands)

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

to net cash from 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 
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
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

December 28,
2013

Year Ended
December 29,
2012

December 31,
2011

$      

45,804

$         

26,010

$         

5,913

31,091
2,473
1,874
(112)
58
15
4,453
(201)
297
-
(17,886)
(42,287)
6,756
21,026
53,361

(40,023)
1,778
(11,478)
(143)
(2,673)
2,814
6,111
11
(43,603)

(11,090)
-
-
(46)
2,144
-
(1,460)
84
(8,166)
112
-
(18,422)

(62)
(8,726)
7,647

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

CASH AND CASH EQUIVALENTS (OVERDRAFT), END OF PERIOD

$       

(1,079)

$           

7,647

$       

10,652

35

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

SUPPLEMENTAL SCHEDULE OF CASH FLOW INFORMATION:

Interest paid
Income taxes paid

NON-CASH INVESTING ACTIVITIES
Accounts receivable exchanged for notes receivable
Notes receivable exchanged for property

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

See notes to consolidated financial statements

December 28,
2013

Year Ended
December 29,
2012

December 31,
2011

$        

4,883
14,427

$           

3,982
16,751

$         

3,654
6,163

$        
$        

1,635
3,900

-
-

-
-

$        

1,800

1,310

246

36

        
           
           
                     
                   
                     
                   
             
              
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  2013,  2012,  and  2011  relate  to  the  fiscal  years 
ended  December  28,  2013,  December  29,  2012,  and  December  31,  2011,  respectively.  
Fiscal  years  2013  and  2012  were  comprised  of  52  weeks.    Fiscal  year  2011  was 
comprised  of  53  weeks.    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. 

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-

37 

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

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:  

(cid:1)  Level  1  —  Financial  instruments  with  unadjusted,  quoted  prices  listed  on  active 

market exchanges. 

(cid:1)  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. 

(cid:1)  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 28, 2013 or December 29, 2012.   

Restricted  cash  consists  of  amounts  required  to  be  held  for  loss  funding  totaling  $0.7 
million and $0.5 million as of December 28, 2013 and December 29, 2012, respectively.  
In addition, as of December 29, 2012, restricted cash included amounts held in escrow for 
the purchase of the operating assets of Custom Caseworks, Inc. totaling $6.3 million. 

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. 

38 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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      
Beginning   Costs and       
 Balance  

Ending 
  Expenses   Deductions*   Balance 

Year Ended December 28, 2013: 
  Allowance for possible losses 
    on accounts receivable ........................   $2,550 

Year Ended December 29, 2012: 
  Allowance for possible losses 
    on accounts receivable ........................   $2,053 

Year Ended December 31, 2011: 
  Allowance for possible losses 
    on accounts receivable ........................   $2,611 

$17,114 

($17,604) 

$2,060 

$16,687 

($16,190) 

$2,550 

$18,144 

($18,702) 

$2,053 

* 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. 

Accounts receivable retainage amounts related to long term construction contracts totaled 
$8.3  million  and  $6.9  million  as  of  December  28,  2013  and  December  29,  2012, 
respectively.  All amounts are expected to be collected within one year. 

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  $0.8 
million and $0.2 million at December 28, 2013 and December 29, 2012, respectively and 
are included in “Other Current Assets”. The long-term portion of notes receivable, net of 
allowance, totaled $4.7 million and $7.7 million at December 28, 2013 and December 29, 
2012, respectively and are included in “Other Assets”.  No allowance for possible losses 
on notes receivable existed at December 31, 2011. 

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

Beginning 
Balance 

Additions  Deductions 

Ending  
Balance 

Year Ended December 28, 2013: 
Allowance for possible losses on 
Notes receivable 

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

$3,226  

$887 

$(3,088) 

$1,025 

$ -  

$3,226 

$ - 

$3,226 

39 

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

Notes receivable 

INVENTORIES 
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.    We  have  inventory  on 
consignment at customer locations valued at $11.4 million as of December 28, 2013 and 
$10.9 million as of December 29, 2012.   

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 ...............................................................  5 to 15 years 
Buildings and improvements ............................................. 15 to 31.5 years 
Machinery, equipment and office furniture ...........................  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.  

GOODWILL 

In  the  second  quarter  of  fiscal  2013,  we  changed  our  annual  testing  date  for  evaluating 
goodwill and indefinite-lived intangible asset impairment from the last day of the fiscal 
year  to  the  first  day  of  the  Company’s  fourth  fiscal  quarter  for  all  reporting  units  and 
indefinite-lived  intangible  assets.  This  voluntary  change  in  accounting  method  is 
preferable  under  the  circumstances  because  it  will  allow  us  more  time  to  complete  the 
annual  goodwill  and  indefinite-lived  intangible  asset  impairment  testing  in  advance  of 
our  year-end  reporting.    This  change  does  not  delay,  accelerate  or  avoid  an  impairment 
charge. The change is not applied retrospectively as it is impracticable to do so because 
retrospective  application  would  require  application  of  significant  estimates  and 

40 

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

assumptions  with  the  use  of  hindsight.  Accordingly,  the  change  will  be  applied 
prospectively.     

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. 

INSURANCE RESERVES 

Insurance  Ltd.(“Ardellis”),  was 
Our  wholly-owned 
incorporated on April 21, 2001 under the laws of Bermuda  and is licensed as a Class 2 
insurer under the Insurance Act 1978 of Bermuda.   

insurance  captive,  Ardellis 

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 Ardellis; the related assets and  liabilities of which are included in the 
consolidated financial statements as of December 28, 2013 and December 29, 2012.  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. 

In  addition  to  providing  coverage  for  the  Company,  Ardellis  provides  Excess  Loss 
Insurance  (primarily  medical  and  prescription  drug)  to  certain  third  parties.   As  of 
December  28,  2013,  Ardellis  had  nine  such  contracts  in  place.   The  contracts  have 
specific and/or aggregate coverage loss limits based on the election of the third parties.  
Reserves  associated  with  these  contracts  were  $0.9  million  at  December  28,  2013  and 
$0.2  million  at  December  29,  2012,  and  are  accrued  based  on  third  party  actuarial 
valuations of the expected future liabilities.  

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 

41 

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

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. 

Our construction contracts are generally entered into with a fixed price and completion of 
the projects can range from 6 to 18 months in duration.  Therefore, our operating results 
are impacted by, among many other things, labor rates and commodity costs.  During the 
year,  we  update  our  estimated  costs  to  complete  our  projects  using  current  labor  and 
commodity costs and recognized losses to the extent that they exist. 

The  following  table  presents  the  balances  of  percentage-of-completion  accounts  on 
December  28,  2013  and  December  29,  2012  which  are  included  in  other  current  assets 
and other accrued liabilities, respectively (in thousands): 

  2013 
Cost and Earnings in Excess of Billings .......................   $6,903 
Billings in Excess of Cost and Earnings .......................     2,858 

    2012 
$4,981 
  2,020 

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): 

42 

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

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 
28, 2013 

December 
29, 2012 

December 
31, 2011 

$43,082 

$23,934 

$4,549 

(412) 
$42,670 

(210) 
$23,724 

(38) 
$4,511 

19,952 

19,800 

19,572 

(191) 
19,761 
54 
19,815 

$2.16 
$2.15 

(173) 
19,627 
6 
19,633 

$1.21 
$1.21 

(165) 
19,407 
126 
19,533 

$0.23 
$0.23 

No  options  were  excluded  from  the  computation  of  diluted  EPS  for  2013  or  2012.  
Options  to  purchase  105,000  shares  of  common  stock  were  not  included  in  the 
computation  of  diluted  EPS  for  2011,  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. 

RECENTLY ISSUED ACCOUNTING STANDARDS 

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, in one place, 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. 
Our adoption of the provisions of ASU 2013-02 in the first quarter of 2013 did not affect 
our consolidated financial position, results of operations or cash flows. 

43 

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

B. 

FAIR VALUE 

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: 

December 28, 2013 
Prices with 
Other 
Observable 
Inputs 
(Level 2) 

Quoted 
Prices in 
Active 
Markets  
(Level 1) 

$62 

813 
586 
176 
139 
1,776 

- 
$1,776 

- 

- 
- 
- 
- 
- 

- 
- 

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

Quoted 
Prices in 
Active 
Markets  
(Level 1) 

$62 

613 
500 
145 
140 
1,398 

- 

- 
- 
- 
- 
- 

Total 

$62 

613 
500 
145 
140 
1,398 

Total 

$62 

813 
586 
176 
139 
1,776 

- 
$1,776 

- 
$1,460 

$1,600 
$1,600 

$1,600 
$3,060 

(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 

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  2012  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 2013 and 2012, which were 
accounted for using the purchase method (in thousands).  No business combinations were 
completed in fiscal 2011. 

Company Name 

Acquisition 
Date 

Purchase 
Price 

Intangible 
Assets 

Net 
Tangible 
Assets 

Operating 
Segment 

Business Description 

44 

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

SE Panel and 
Lumber Supply, 
LLC (“SE 
Panel”) 

November 8, 
2013 

$2,181 
(asset 
purchase) 

$ - 

$2,181 

Eastern 
Division 

Premier 
Laminating 
Services, Inc. 
(“Premier 
Laminating”) 

May 31, 
2013 

$696 
(asset 
purchase) 

$250 

$446 

Western 
Division 

Millry Mill 
Company, Inc. 
(“Millry”) 

February 28, 
2013 

$2,323 
(asset 
purchase) 

$50 

$2,273 

Eastern 
Division 

Custom 
Caseworks, Inc. 
(“Custom 
Caseworks”) 

December 
31, 2012 

$6,278 
(asset 
purchase) 

$2,000 

$4,278 

Western 
Division 

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

November 5, 
2012 

$16,175 
(asset 
purchase) 

$1,350 

$14,825  Western 
Division 

MSR Forest 
Products, LLC 
(“MSR”) 

May 16, 
2012 

$3,208 
(asset 
purchase) 

$1,164 

$2,044 

Eastern 
Division 

A distributor of Olympic 
Panel overlay concrete 
forming panels and 
commodity lumber 
products to the concrete 
forming and construction 
industries.  Facility is 
located in South Daytona, 
FL.  SE Panel had annual 
sales of $5.4 million. 
A business specialized in 
environmentally 
sustainable laminated 
wooden products. Facility 
is located in Perris, CA. 
Premier Laminating had 
annual sales of $6.2 
million. 
A highly specialized 
export mill that produces 
rough dimension boards 
and lumber.  Facility is 
located in Millry, AL.  
Millry had annual sales of 
$4.7 million. 
A high-precision 
business-to-business 
manufacturer of 
engineered wood products 
in many commercial 
markets. Facility is 
located in Sauk Rapids, 
MN. Custom Caseworks 
had annual sales of $7 
million. 
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 of $25 
million. 
Supplies roof trusses and 
cut-to-size lumber to 
manufactured housing 
customers.  Facilities are 
located in Haleyville, AL 
and Waycross, GA.  MSR 
had annual sales of $10 
million. 

45 

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

The intangible assets for each of the acquisitions were finalized and allocated to their 
respective identifiable intangible asset and goodwill accounts during 2013.  This resulted 
in a $1.4 million reclassification from goodwill to amortizable intangible asset accounts. 
At December 28, 2013, the amounts assigned to major intangible classes for the business 
combinations mentioned above are as follows (in thousands): 

Non-
Compete 
Agreements 
$250 
50 
220 
330 
- 

Customer 

Relationships  Goodwill  
- 
- 
- 
- 
$1,160 
$620 
1,020 
-  
1,164 
- 

Goodwill - 
Tax 
Deductible 
- 
- 
$1,160 
1,020 
1,164 

Premier Laminating 
Millry 
Custom Caseworks 
Nepa 
MSR 

The business combinations mentioned above were not significant to our operating results 
individually or in aggregate, and thus pro forma results for 2013 and 2012 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  prevailing  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  28,  2013,  December  29,  2012  and  December  31,  2011, 
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 
which is included in the Eastern and Western Division segment. 

In the second quarter of 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 Corporate segment. 

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 

46 

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

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  changes  in  the  net  carrying  amount  of  goodwill  by  reporting  segment  for  the  years 
ended December 28, 2013 and December 29, 2012, are as follows (in thousands):  

Balance as of December 25, 2011 
Acquisitions 
Other 
Balance as of December 29, 2012 
Acquisitions 
Other 
Balance as of December 28, 2013 

Eastern and 
Western 

$123,311 
2,514 
2,100 
127,925 
1,160 
(330) 
$128,755 

Site-Built 

$21,720 

All  
Other 

$9,671 

21,720 

9,671 

$21,720 

$9,671 

Total 

$154,702 
2,514 
2,100 
159,316 
1,160 
(330) 
$160,146 

Indefinite-lived  intangible  assets  totaled  $2.3  million  as  of  December  28,  2013  and 
December 29, 2012. 

The  following  amounts  were  included  in  other  amortizable  intangible  assets,  net  as  of 
December 28, 2013 and December 29, 2012 (in thousands): 

Non-compete agreements 
Customer relationships 
Licensing agreements 
Patents 
Total 

2013 
  Accumulated  
Amortization 
($514) 
(6,832) 
(1,606) 
(2,609) 
($11,561) 

Assets 
$1,340 
9,480 
4,589 
3,393 
$18,802 

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

2012 
  Accumulated  
Amortization 
($3,366) 
(5,465) 
(1,147) 
(2,350) 
($12,328) 

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

Non-compete agreements .........................5 to 10 years 
Customer relationship ................................5 to 8 years 
Licensing agreements ...................................... 10 years 

Amortization expense of intangibles totaled $2.5 million, $2.9 million and $5.2 million in 
2013, 2012 and 2011, respectively.  The  estimated amortization expense for intangibles 
for each of the five succeeding fiscal years is as follows (in thousands): 

2014 ...................................................  
2015 ...................................................  

$2,184 
1,959 

47 

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

2016 ...................................................  
2017 ...................................................  
2018 ...................................................  
Thereafter ...........................................  
Total ...................................................  

954 
797 
535 
    812 
$7,241 

F. 

DEBT 

On  December 17,  2012,  we  entered  into  an  unsecured  Note  Purchase  Agreement  (the 
"Agreement")  under  which  we  issued  our  3.89%  Series  2012  A  Senior  Notes,  due 
December 17,  2022,  in  the  aggregate  principal  amount  of  $35  million  and  our  3.98% 
Series 2012 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. 

On  November  14,  2011,  we  entered  into  a  five-year,  $265  million  unsecured  revolving 
credit facility, which includes amounts reserved for letters of credit. 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  28,  2013  aggregated 
$26.5  million,  which  includes  approximately  $9.8  million  related  to  industrial 
development  revenue  bonds.    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.    Letters  of  credit  have  one  year  terms 
and  include  an  automatic  renewal  clause.    The  letters  of  credit  related  to  industrial 
development revenue bonds are charged an annual interest rate ranging from 110 to 165 
basis  points,  based  upon  our  financial  performance.   The  letters  of  credit  related  to 
workers’ compensation are charged an annual interest rate of 75 basis points 

Long-term  debt  obligations  are  summarized  as  follows  on  December  28,  2013  and 
December 29, 2012 (amounts in thousands): 

         2013 

      2012 

Series 2012 Senior Notes Tranche A, due on December 17, 
  2022, interest payable semi-annually at 3.89% ..............................................  
Series 2012 Senior Notes Tranche B, due on December 17, 
  2024, interest payable semi-annually at 3.98% ..............................................  

  Revolving credit facility totaling $265 million due on November 14, 2016, 

$35,000 

$35,000    

40,000 

40,000 

48 

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

  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 
  (0.19% on December 28, 2013 and 0.35% on December 29, 2012) ..............  
Series 2000 Industrial Development Revenue Bonds, due on 
  October 1, 2020, interest payable monthly at a floating rate 
  (0.30% on December 28, 2013 and 0.46% on December 29, 2012) ..............  
Series 2002 Industrial Development Revenue Bonds, due on 
  December 1, 2022, interest payable monthly at a floating rate 
  (0.29% on December 28, 2013 and 0.45% on December 29, 2012) ..............  

Less current portion ..........................................................................................  
Long-term portion ............................................................................................  

- 

11,090 

3,300 

3,300 

2,700 

2,700 

3,700 
84,700 
            -   
$ 84,700 

3,700 
95,790 
             -         

$95,790 

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  28, 
2013 and December 29, 2012. 

On  December  28,  2013,  the  principal  maturities  of  long-term  debt  and  capital  lease 
obligations are as follows (in thousands): 

2014 ..............................      $           - 
-  
2015 ..............................  
-  
2016 ..............................  
-  
2017 ..............................  
2017 ..............................  
- 
Thereafter ......................       $84,700 
   $84,700 

On  December  28,  2013,  the  estimated  fair  value  of  our  long-term  debt,  including  the 
current portion, was $79.9 million.  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 28, 2013 are as follows (in thousands): 

2014 ...............................................................................  
2015 ...............................................................................  

     Operating 
      Leases   
$4,235 
2,115     

49 

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

2016 ...............................................................................  
2017 ...............................................................................  
2018 ...............................................................................  
Thereafter .......................................................................   
Total minimum lease payments .....................................  

1,384 

976    
884 
564 
$10,158 

Rent  expense  was  approximately  $5.2  million,  $6.9  million,  and  $9.6  million  in  2013, 
2012, and 2011, respectively. 

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 28, 2013 and 
December 29, 2012 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  $1.8  million  and  $1.5  million  on  December  28,  2013  and  December  29, 
2012,  respectively,  and  are  included  in  "Other  Assets."    Related  liabilities  totaled  $8.4 
million  and  $6.7  million  on  December  28,  2013  and  December  29,  2012,  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. 

50 

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

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 $0.4 million in 2013 and $0.5 million in each of 2012 and 2011.   

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: 

Weighted-
Average 
Exercise 
Price Per 
Share 

Average 
Remaining 
Contractual 
Term 

Outstanding at December 25, 2010 
Exercised 
Forfeited or expired 
Outstanding at December 31, 2011 
Exercised 
Forfeited or expired 
Outstanding at December 29, 2012 
Exercised 
Forfeited or expired 
Outstanding at December 28, 2013 
Vested or expected to vest at December 28, 2013 
Exercisable at December 28, 2013 

Stock Under 
Option 

359,997 
(122,517) 
(46,146) 
191,334 
(79,550) 
(1,678) 
110,106 
(77,632) 
- 
32,474 
(31,000) 
1,474 

24.04 
21.33 
20.57 
26.60 
21.82 
21.84 
30.13 
29.49 
- 
31.65 
31.70 
$30.64 

Aggregate 
Intrinsic 
Value 
5,012,758 
1,153,067 

872,441 
970,698 

845,915 
1,221,004 
- 
661,674 

2.35 

1.83 

1.64 

1.55 

0.59 

$31,529 

The unrecognized compensation expense for stock options is nominal for 2013, 2012 or 
2011. 

A  summary  of  the  nonvested  restricted  stock  awards  granted  under  the  LTSIP  is  as 
follows: 

Weighted-
Average 
Grant Date 
Fair Value 

Unrecognized 
Compensation 
Expense  
(in millions) 

Weighted-
Average 
Period to 
Recognize 
Expense 

Restricted 
Awards 

51 

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

    Nonvested at December 25, 2010 

Granted 
Vested 
Forfeited 
Nonvested at December 31, 2011 
Granted 
Vested 
Forfeited 
Nonvested at December 29, 2012 
Granted 
Vested 
Forfeited 
Nonvested at December 28, 2013 

$219,794 
71,950 
(113,244) 
(15,500) 
163,000 
37,433 
(859) 
(12,965) 
186,609 
36,481 
(9,955) 
(6,715) 
$206,420 

$28.17 
38.19 
29.13 
30.12 
31.75 
35.05 
29.72 
30.35 
32.22 
40.58 
40.58 
31.96 
$32.52 

$2.8 

2.30 years 

3.4 

3.37 years 

3.2 

2.68 years 

$2.9   2.00 years 

Under  the  Stock  Purchase  Plan  and  LTSIP,  we  recognized  share-based  compensation 
expense  of  $1.9  million,  $1.3  million,  and  $1.4  million  and  the  related  total  income  tax 
benefits  of  $0.4  million,  $0.5  million,  and  $0.5  million  in  2013,  2012  and  2011, 
respectively.  

In 2013, 2012 and 2011, cash received from option exercises and share issuances under our 
plans was $2.1 million, $2.0 million and $3.0 million, respectively.  The actual tax benefit 
realized in 2013, 2012 and 2011 for the tax deductions from option exercises totaled $0.3 
million, $0.8 million and $0.7 million, respectively. 

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  28,  2013,  the  cumulative  total 
authorized shares available for repurchase is approximately 3.0 million shares. 

J.  RETIREMENT PLANS 

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  2013  and  2012,  on  a  discretionary  basis,  totaling  $1.7 
million  and  $1.6  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 $4.0 million and $3.4 million are accrued in “Other 
Liabilities” for this plan at December 28, 2013 and December 29, 2012, respectively. 

52 

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

K. 

INCOME TAXES 

Income  tax  provisions  for  the  years  ended  December  28,  2013,  December  29,  2012,  and 
December 31, 2011 are summarized as follows (in thousands): 

Currently Payable: 

Federal 
State and local 
Foreign 

Net Deferred: 
Federal 
State and local 
Foreign 

2013 

2012 

2011 

$12,683          $5,167         

3,381 
3,928 
19,992 

3,696 
600 
166 
4,462 
$24,454 

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            

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

2013 

2012 

2011 

U.S. 
Foreign 
Total 

$59,334 
10,924 
$70,258 

$31,768 
9,296 
$41,064 

$328 
8,459 
$8,787 

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 

2013 
35.0% 
4.2 
(0.3) 
(2.0) 
(2.5) 
- 
0.6 
0.3 
0.6 
(1.1) 
34.8% 

2012 
35.0% 
5.2 
(0.5) 
(1.6) 
(1.2) 
- 
(1.0) 
0.7 
1.1 
(1.1) 
36.6% 

2011 
34.0% 
8.2 
(3.0) 
(1.9) 
(15.4) 
- 
0.4 
0.4 
4.9 
4.9 
32.5% 

Temporary differences  which give  rise to deferred income tax assets and (liabilities) on 
December 28, 2013 and December 29, 2012 are as follows (in thousands): 

Employee benefits 
Net operating loss carryforwards 
Foreign subsidiary capital loss carryforward 

2013 

$7,698 
1,136 
628 

2012 

$7,295 
1,780 
671 

53 

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

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 

2,141 
113 
1,011 
4,470 
3,172 
20,369 
(1,021) 
19,348 

(21,114) 
(15,269) 
(1,522) 
(37,905) 
($18,557) 

1,494 
838 
1,193 
2,995 
2,673 
18,939 
(859) 
18,080 

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

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. 

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 

2013 
$1,531 
230 
481 
            - 
(319) 
$1,923 

2012 
$1,837 
1 
68 
(137) 
(238) 
$1,531 

2011 

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

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 

54 

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

penalties of $0.2 million, $0.2 million and $0.3 million at December 28, 2013, December 
29, 2012 and December 31, 2011, respectively. 

We  file  income  tax  returns  in  the  United  States  and  in  various  state,  local  and  foreign 
jurisdictions.  The federal and a majority of state and foreign jurisdictions are no longer 
subject to income tax examinations for years before 2010.  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.   

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 28, 
2013  and  December  29,  2012,  representing  the  estimated  costs  to  complete  future 
remediation efforts. These amounts have not been reduced by an insurance receivable. 

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.  
An  additional  $0.6  million  was  recorded  during  2013.    We  continue  to  work  with  the 
government to clarify the applicability of these rules to our products.   

During  2013,  we  accrued  $0.9  million  related  to  anti-dumping  duty  assessments 
estimated  on  plywood  and  steel  nails  imported  from  China.    We  continue  to  work  with 
US Customs and Border Protection to mitigate potential charges.  This duty is unrelated 
to the 2013 duty assessment disclosed above. 

55 

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

We  are  currently  undergoing  an  unclaimed  property  audit  with  the  state  of  Michigan 
covering  the  period  July  1,  1994  to  present.   We  anticipate  that  the  audit  will  be 
completed during 2014 and do expect it to result in a material loss. 

In addition, on December 28, 2013, 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 28, 2013, we had outstanding purchase commitments on capital projects of 
approximately $4.2 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. 

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 28, 2013, we had approximately $24.2 million in outstanding 
payment  and  performance  bonds,  which  expire  during  the  next  two  years.   In  addition, 
approximately  $17.7  million  in  payment  and  performance  bonds  are  outstanding  for 
completed projects which are still under warranty. 

On  December  28,  2013  we  had  outstanding  letters  of  credit  totaling  $26.5  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  $16.7  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 

56 

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

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 
28, 2013. 

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  $1.2  million  and  $1.8  million  at  December  28,  2013  and  December  29, 
2012, respectively, 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, 
Pinelli  Universal  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. 

57 

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

 These operations have been included in the “All Other” column of the table below.  The 
“Corporate” column includes unallocated administrative costs.  

Eastern 
and  
Western  
Divisions 

$1,987,751 
86,050 
404 
1,424 
18,617 

79,419 
642,652 
23,159 

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 

Site-Built 

$272,114 
15,918 
- 
- 
2,284 

7,947 
103,227 
2,310 

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 

2013 

All  
Other 

$210,583 
11,798 
-  
1,049 
4,520 

(2,366) 
99,464 
6,285 

2012 

All  
Other 

$196,931 
12,724 
51 
1,251 
4,286 

(11,316) 
103,309 
11,967 

2011 

All  
Other 

$153,158 
28,636 
- 
1,612 
3,240 

(8,731) 
82,993 
8,856 

Corporate 

$ -  
- 
4,447 
- 
5,670 

(10,732) 
71,644 
8,269 

Total 
$2,470,448 
113,766 
4,851 
2,473 
31,091 

74,268 
916,987 
40,023 

Corporate 

$ -  
- 
3,629 
- 
6,359 

(6,028) 
65,741 
2,136 

Corporate 

$ - 
- 
3,138 
- 
6,148 

(1,107) 
73,348 
8,199 

Total 
$2,054,933 
95,926 
4,053 
2,918 
30,461 

44,528 
860,540 
30,344 

Total 
$1,822,336 
131,401 
3,732 
5,183 
30,804 

12,011 
764,007 
32,932 

Net sales to outside customers 
Intersegment net sales 
Interest expense 
Amortization  expense 
Depreciation expense 
Segment earnings from 
operations 
Segment assets 
Capital expenditures 

Net sales to outside customers 
Intersegment net sales 
Interest expense 
Amortization  expense 
Depreciation expense 

Segment earnings from 
operations 
Segment assets 
Capital expenditures 

Net sales to outside customers 
Intersegment net sales 
Interest expense 
Amortization  expense 
Depreciation expense 
Segment earnings from 
operations 
Segment assets 
Capital expenditures 

In 2013, 2012, and 2011, 17%, 18%, and 23% of net sales, respectively, were to a single 
customer. 

58 

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

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

2013 

2012 

2011 

Long-Lived 
Tangible 
Assets 
$233,237 
16,260 
$249,497 

Long-Lived 
Tangible 
Assets 
$222,272 
17,097 
$239,369 

Long-Lived 
Tangible 
Assets 
$221,269 
16,578 
$237,847 

Net Sales 
$1,779,909 
42,427 
$1,822,336 

Net Sales 
$2,005,740 
49,193 
$2,054,933 

Net Sales 
$2,410,313 
60,135 
$2,470,448 

United States 
Foreign 
Total 

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. 

2013 .............................................................................  
2012 .............................................................................  
2011 .............................................................................  

58.1% 
58.7% 
58.8% 

41.9% 
41.3% 
41.2% 

Value-Added  

Commodity-Based 

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. 

59 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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. 

December 28, 
2013 

Years Ended 
  December 29, 

  December 31, 

2012 

2011 

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 

$238,093 
120,765 
131,102 
159,811 
251,224 
60,335 
64,465 
36,908 
47,251 

162,362 
38,959 
80,335 
29,157 
16,295 
11,183 
5,882 
106 
1,454,233 

421,071 
349,156 
239,641 
30,450 
9,361 
1,049,679 
2,503,912 
(33,464) 
2,470,448 

$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 

P. 

QUARTERLY FINANCIAL INFORMATION (UNAUDITED) 

The following table sets forth selected financial information for all of the quarters, each 
consisting  of  13  weeks  during  the  years  ended  December  28,  2013  and  December  29, 
2012 (in thousands, except per share data): 

First 

Second 

Third 

Fourth 

Net sales 
Gross profit 
Net earnings (loss) 

2013 
$554,494 
57,818 
5,756 

2012 
$457,111 
53,666 
4,386 

2013 
$738,436 
80,216 
16,373 

2012 
$593,693 
72,075 
18,010 

2013 
$651,780 
78,289 
15,015 

2012 
$533,366 
55,227 
4,756 

2013 
$525,738 
64,229 
8,660 

2012 
$470,763 
44,142 
(1,141) 

60 

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

Net earnings (loss) 
attributable to 
controlling interest 
Basic earnings 
(loss) per share 
Diluted earnings 
(loss) per share 

5,224 

4,155 

15,772 

17,509 

14,091 

4,198 

7,995 

(1,927) 

0.26 

0.26 

0.21 

0.21 

0.79 

0.79 

0.88 

0.88 

0.71 

0.71 

0.21 

0.21 

0.40 

0.40 

(0.10) 

(0.10) 

61 

 
 
 
 
 
 
 
 
PRICE RANGE OF COMMON STOCK AND DIVIDENDS 

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. 

Fiscal 2013 
    High    Low 
Fourth Quarter ............  54.40  38.60 
Third Quarter .............  42.98  36.01 
Second Quarter...........  45.60  33.23 
First Quarter ...............  42.22  37.62 

Fiscal 2012 
    High    Low 
Fourth Quarter ............  43.04  32.56 
Third Quarter .............  43.36  30.76 
Second Quarter...........  39.62  30.92 
First Quarter ...............  37.60  29.39 

There were approximately 1,200 shareholders of record as of January 31, 2014.  

We  paid  dividends  on  our  common  stock  of  $0.20  per  share  each  in  June  and  December  2012 
and June 2013.  In Dec 2013, we paid dividends of $0.21 per share.  We intend to continue with 
our current semi-annual dividend policy for the foreseeable future. 

62 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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  27, 
2008, and reinvestment of dividends in all cases. 

Comparison of 5 Year Cumulative Total Return 
Assumes Initial Investment of $100 
December 2013 

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. 

63 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Directors and Executive Officers 

BOARD OF DIRECTORS 

EXECUTIVE OFFICERS 

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. 

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 Marketing 

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

Donald L. James 
Executive Vice President 
National Sales 

Bruce A. Merino 

Mary E. Tuuk 
Executive Vice President and Secretary 
Fifth Third Bankcorp 

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

64 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Shareholder Information 

ANNUAL MEETING 

The  annual  meeting  of  Universal  Forest  Products,  Inc.  will  be  held  at  8:30  a.m.  on  April  16, 
2014, 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 

65 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
UNIVERSAL FOREST PRODUCTS®, INC., AND ITS AFFILIATES 

Locations: 
Ashburn, GA 
Auburn, NY 
Auburndale, FL 
Bay City, MI 
Belchertown, MA 
Berlin, NJ 
Blanchester, OH 
Burlington, NC 
Chaffee, NY 
Chandler, AZ 
Chesapeake, VA 
Church Hill, TN 
Clinton, NY 
Conway, SC 
Cordele, GA 
Durango, Durango, Mexico 
Eaton, CO 
Eatonton, GA 
Elizabeth City, NC 
Elkhart, IN 
Folkston, GA 
Gordon, PA 
Grandview, TX 
Grand Rapids, MI 
Granger, IN 
Greene, ME 
Haleyville, AL 
Hamilton, OH 
Harrisonville, MO 
Hillsboro, TX 
Hudson, NY 
Hutchinson, MN 
Janesville, WI 
Jefferson, GA 
Lacolle, Quebec, Canada 
Lafayette, CO 
Liberty, NC 
McMinnville, OR 
Medley, FL 
Millry, AL 
Minneota, MN 
Morristown, TN 

Moultrie, GA 
Muscle Shoals, AL 
Naugatuck, CT 
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 
Salina, KS 
Salisbury, NC 
San Antonio, TX 
Sauk Rapids, MN 
Selma, AL 
Schertz, TX 
Sidney, NY 
Snohomish, WA 
Stanfield, NC 
Stockertown, PA 
Thornton, CA 
Turlock, CA 
Union City, GA 
Warrens, WI 
Waycross, GA 
Wenatchee, WA 
White Bear Lake, MN 
White Pigeon, MI 
Windsor, CO 
Woodburn, OR 
Yakima, WA 

66