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U.S. Physical Therapy, Inc.

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FY2002 Annual Report · U.S. Physical Therapy, Inc.
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UNITED STATES  
SECURITIES AND EXCHANGE COMMISSION  
WASHINGTON, D.C. 20549  

FORM 10-K  
(MARK ONE)  
[X] ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES  
EXCHANGE ACT OF 1934  

FOR THE FISCAL YEAR ENDED DECEMBER 31, 2002  

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

FOR THE TRANSITION PERIOD FROM TO  

COMMISSION FILE NUMBER 1-11151  

U.S. PHYSICAL THERAPY, INC.  

(NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)  

                  NEVADA                                       76-0364866 
     (STATE OR OTHER JURISDICTION OF                        (I.R.S. EMPLOYER 
      INCORPORATION OR ORGANIZATION)                      IDENTIFICATION NO.) 

1300 WEST SAM HOUSTON PARKWAY, SUITE 300,                        77043 
              HOUSTON, TEXAS                                   (ZIP CODE) 
 (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) 

REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE: (713) 297-7000  

SECURITIES REGISTERED PURSUANT TO SECTION 12(b) OF THE EXCHANGE ACT: NOT  
APPLICABLE  

SECURITIES REGISTERED PURSUANT TO SECTION 12(g) OF THE EXCHANGE ACT:  
Common Stock, $.01 par value  
(TITLE OF CLASS)  

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

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

Indicate by check mark whether the registrant is an accelerated filer (as defined in Rule 12b-2 of the Act). Yes [X] No [ ]  

As of June 28, 2002, based upon the closing price on such date, the aggregate market value of the voting stock held by non-affiliates of the 
registrant was: $135,793,371  

As of March 18, 2003, the number of shares outstanding of the registrant's common stock, par value $.01 per share, was: 11,878,371  

DOCUMENTS INCORPORATED BY REFERENCE  

                          DOCUMENT                            PART OF FORM 10-K 
                          --------                            ----------------- 
Portions of Definitive Proxy Statement for the 2003 Annual 
  Meeting of Shareholders                                        PART III 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
FORWARD LOOKING STATEMENTS  

We make statements in this report that are considered to be forward-looking statements within the meaning under Section 21E of the Securities 
and Exchange Act of 1934. These statements involve risks and uncertainties that could cause actual results to differ materially from those we 
project. When used in this report, the words "anticipates," "believes," "estimates," "intends," "expects," "plans," "should," "appear" and "goal" 
and similar expressions are intended to identify forward-looking statements. The forward-looking statements are based on our current views 
and assumptions and involve risks and uncertainties that include, among other things:  

- general economic, business, and regulatory conditions;  

- competition discussed under the heading "Competition" below;  

- federal and state regulations discussed under the heading "Regulation and Healthcare Reform" below;  

- the availability of sufficient numbers of physical therapists with a following in the community for us to realize our plan to expand the number 
of our clinics by 20% of our base per year, discussed under the heading "Factors Affecting Future Results" in the "Management's Discussion 
and Analysis of Financial Condition and Results of Operations" and "Risk Factors", below; and  

- weather.  

These factors are beyond our control.  

Given these uncertainties, you should not place undue reliance on our forward-looking statements. Please see the other sections of this report 
and our other periodic reports filed with the Securities and Exchange Commission (the "SEC") for more information on these factors. Our 
forward-looking statements represent our estimates and assumptions only as of the date of this report. Except as required by law, we are under 
no obligation to update any forward- looking statement, regardless of the reason the statement is no longer accurate.  

PART I  

ITEM 1. OUR BUSINESS.  

GENERAL  

Our company, U.S. Physical Therapy, Inc., through our subsidiaries, operates outpatient physical and occupational therapy clinics which 
provide pre- and post-operative care and treatment for a variety of orthopedic-related disorders and sports-related injuries. U.S. Physical 
Therapy, Inc. was formed in April 1992 under the corporate laws of the state of Nevada. We are organized as a Nevada corporation with 
operating subsidiaries organized in the form of limited partnerships and wholly-owned corporations. Unless the context otherwise requires, 
references in this Form 10-K to "we", "our" or "us" includes U.S. Physical Therapy, Inc. and all our subsidiaries.  

At December 31, 2002, we operated 202 outpatient physical and occupational therapy clinics in 34 states. Our strategy is to develop and 
acquire outpatient clinics on a national basis, though our clinics are currently concentrated in 6 states -- Texas, Michigan, Wisconsin, Florida, 
Virginia and New Jersey. The average age of the 202 clinics in operation at December 31, 2002 was 4.15 years. We developed 196 of the 
clinics and acquired six.  

Our clinics provide pre- and post-operative treatment for orthopedic-related disorders, sports-related injuries, preventative care, rehabilitation 
of injured workers and neurological-related injuries. Our clinics initially perform a tailored and comprehensive evaluation of each patient, 
which is then followed by a treatment plan specific to the injury. The treatment plan may include a number of procedures, including ultrasound, 
electrical stimulation, hot packs, iontophoresis, therapeutic exercise, manual therapy techniques, education on management of daily life skills 
and home exercise programs. A clinic's business primarily comes from referrals by local physicians. The principal sources of payment for the 
clinics' services are commercial health insurance, workers' compensation insurance, managed care programs, Medicare and proceeds from 
personal injury cases.  

1  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
We continue to seek to attract physical and occupational therapists who have established relationships with physicians by offering them a 
competitive salary; a bonus based on his or her clinic's net revenue and profitability; and a share of the profits of the clinic operated by that 
therapist.  

In addition to our owned clinics, we also manage five physical therapy facilities for third parties, including physicians.  

On January 5, 2001, we effected a two-for-one common stock split in the form of a 100% stock dividend to stockholders of record as of 
December 27, 2000. On June 28, 2001, we effected a three-for-two common stock split in the form of a 50% stock dividend to stockholders of 
record as of June 7, 2001. Fractional shares resulting from the three-for-two stock split were paid to shareholders in cash. All share and per 
share amounts stated in this report have been adjusted to reflect the effect of the stock splits.  

Our principal executive offices are located at 1300 West Sam Houston Parkway, Suite 300, Houston, Texas 77042, and our telephone number 
is (713) 297-7000.  

OUR CLINICS  

Most of our clinics are owned by limited partnerships (the "Clinic Partnerships") in which we own the general partnership interest, and the 
managing therapists of the clinics own limited partnership interests. The therapist partners have no interest in the net losses of Clinic 
Partnerships, except to the extent of their capital accounts. Increasingly we have developed satellite clinic facilities that are extensions of 
existing clinics; accordingly Clinic Partnerships may consist of more than one clinic location. As of December 31, 2002, through wholly-owned 
subsidiaries, we owned a 1% general partnership interest in all the Clinic Partnerships, except for one clinic in which we own a 6% general 
partnership interest. Our limited partnership interests range from 49% to 99% in the Clinic Partnerships, but with respect to 73% of our clinics, 
we own a limited partnership interest of 64%. For the great majority of the Clinic Partnerships the managing therapist of each clinic (along with 
other therapists at the clinic in several of the partnerships) own the remaining limited partnership interests in the Clinic Partnerships.  

In the majority of the Clinic Partnership agreements, the therapist partner begins with a 20% profit interest in his or her Clinic Partnership 
which increases by 3% at the end of each year until his or her interest reaches 35%. We have recently revised our accounting for these Clinic 
Partnership interests owned by the therapist partners; as to Clinic Partnerships formed after January 18, 2001, profit allocated to therapist 
partners is treated as compensation expense. See "Significant Accounting Policies" -- Note 2 in Item 8.  

We also own 43 clinics that have no therapist partner; the managing director therapist participates in a profit interest program similar to our 
partnership agreements, without having any ownership interest in the clinic. Given our change in accounting for therapist partners, we may 
expand our number of wholly owned clinics.  

Typically each therapist partner or director enters into an employment agreement for a term ranging from one to two years with his or her 
Clinic Partnership; each agreement provides for a covenant not to compete during his or her employment and for two years thereafter. Under 
each employment agreement the therapist partner receives a base salary and a bonus based on the net revenues or operating profit generated by 
his or her Clinic Partnership. Each employment agreement provides that upon termination we can require the therapist to sell his or her 
partnership interest in the Clinic Partnership to us or the Clinic Partnership for the amount of his or her capital account if the termination is for 
"cause" or for breach of the employment agreement; if the termination is occasioned by or because of the therapist's death or disability, or the 
expiration of the initial or any extended term of the employment agreement, the buy out price is for an amount set in a predetermined formula 
based on a multiple of prior profitability.  

Each clinic maintains an independent local identity, while at the same time enjoying the benefits of national purchasing, third-party payor 
contracts and centralized management practices. Under a management agreement, one of our subsidiaries provides a variety of services to each 
clinic, including supervision of site selection, construction, clinic design and equipment selection, establishment of accounting systems and 
procedures and training of office support personnel, operational direction, ongoing accounting services and marketing support.  

2  

 
 
 
 
 
 
 
 
 
 
 
Our typical clinic occupies approximately 1,500 to 3,000 square feet of space under a lease in an office building or shopping center. We 
attempt to lease ground level space for ease of access to our clinics. We also attempt to make the decor in our clinics less institutional and more 
aesthetically pleasing than hospital clinics. Typical minimum staff at a clinic consists of a licensed physical or occupational therapist and an 
office manager. As patient visits grow, staffing may also include additional physical or occupational therapists, therapy assistants, aides, 
exercise physiologists, athletic trainers and office personnel. All therapy services are performed under the direct supervision of a licensed 
therapist.  

We currently provide services at our clinics only on an outpatient basis. Patients are usually treated for approximately one hour per day, two to 
five times a week, typically for two to six weeks. We generally charge for treatment on a "per procedure" basis. In addition, our clinics will 
develop, when appropriate, individual maintenance and self-management exercise programs to be continued after treatment. We continually 
assess the potential for developing new services and expanding the method of providing our services, with an emphasis on cost containment.  

RISK FACTORS  

Our business, operations and financial condition are subject to various risks. Some of these risks are described below, and readers of this 
Annual Report on Form 10-K should take such risks into account in evaluating our company or making any decision to invest in us. This 
section does not describe all risks applicable to our company, our industry or our business, and it is intended only as a summary of material 
factors affecting our business.  

We depend upon reimbursement by third-party payors.  

Substantially all of our revenues are derived from private and governmental third-party payors. In 2002, approximately 79% of our revenues 
were derived from commercial insurers, managed care plans, workers' compensation payors and other private pay revenue sources, 
approximately 20% from Medicare and approximately 1% from Medicaid. Initiatives undertaken by major insurers and managed care 
companies to contain healthcare costs affect the profitability of our clinics. These payors attempt to control healthcare costs by contracting with 
healthcare providers to obtain services on a discounted basis. We believe that this trend will continue and may limit reimbursements for 
healthcare services. If insurers or managed care companies from whom we receive substantial payments were to reduce the amounts they pay 
for services, our profit margins may decline, or we may lose patients if we choose not to renew our contracts with these insurers at lower rates. 
We also receive payments from the Medicare program under a fee schedule. These payments will be subject to an annual limit of $1,590 per 
patient, effective for services rendered on or after July 1, 2003. Bills have been introduced in both houses of Congress (S569/HR1125) to 
permanently repeal this financial limit on therapy services, but if not repealed such limitation could have a adverse impact on our revenues 
beginning in 2004. We expect that efforts to contain federal spending for Medicare will continue to seek limitations on Medicare 
reimbursement for various services, and we cannot predict whether any of these efforts will be successful or what effect, if any, such 
limitations would have on our business. See "Our Business -- Regulation and Healthcare Reform" in Item 1.  

We depend upon the cultivation and maintenance of established relationships with the physicians in our markets.  

Our success is dependent upon referrals from physicians in the communities our clinics serve and our ability to maintain good relations with 
these physicians. Physicians referring patients to our clinics are free to refer their patients to other providers. If we are unable to successfully 
cultivate and maintain strong relationships with these physicians, our business may decrease and our net operating revenues may decline.  

We also depend upon our ability to recruit and retain experienced physical therapists who have established relationships with the physicians in 
our markets.  

As mentioned above, our revenue generation is dependent upon referrals from physicians in the communities our clinics serve, and our ability 
to maintain good relations with these physicians. Our therapists are the front line for generating these referrals and we are dependent on their 
talents and skills to successfully cultivate and maintain strong relationships with these physicians. If we cannot recruit and retain our base of 
experienced and established therapists,  

3  

 
 
 
 
 
 
 
 
 
 
 
our business may decrease and our net operating revenues may decline. Periodically, we have clinics in isolated communities that are 
temporarily unable to operate due to the unavailability to identify partner caliber therapists.  

Our revenues may decline due to weather.  

We have a significant number of clinics in states that normally experience snow and ice during the winter months. Extended periods of severe 
snow and ice could cause the inability of our staff or patients to travel to our clinics, which may cause a decrease in our net operating revenues. 
Winter months in which snow is minimal for states in which we have clinics may also result in reduced revenues because of the lower incident 
of injuries resulting from winter sports and accidents.  

Our revenues may decline during prolonged economic slow down or recession.  

Our revenues are a reflection of the number of visits made by patients to our clinics. Some therapy and some surgical treatments that lead to 
patient need for therapy are elective or can be deferred. During periods of high unemployment or general economic decline, patient visits 
decline.  

Our operations are subject to extensive regulation.  

The healthcare industry is subject to extensive federal, state and local laws and regulations relating to:  

- facility and professional licensure, including certificates of need;  

- conduct of operations, including financial relationships among healthcare providers, Medicare fraud and abuse, and physician self- referral;  

- addition of facilities and services; and  

- payment for services.  

Recently, there have been heightened coordinated civil and criminal enforcement efforts by both federal and state government agencies relating 
to the healthcare industry, including our line of business. We believe we are in substantial compliance with all laws, but differing 
interpretations or enforcement of these laws and regulations could subject our current practices to allegations of impropriety or illegality or 
could require us to make changes in our methods of operations, facilities, equipment, personnel, services and capital expenditure programs and 
increase our operating expenses. If we fail to comply with these extensive laws and government regulations, we could become ineligible to 
receive government program reimbursement, suffer civil or criminal penalties or be required to make significant changes to our operations. In 
addition, we could be forced to expend considerable resources responding to an investigation or other enforcement action under these laws or 
regulations. See "Our Business -- Regulation and Healthcare Reform" in Item 1.  

Healthcare reform legislation may affect our business.  

In recent years, many legislative proposals have been introduced or proposed in Congress and in some state legislatures that would effect major 
changes in the healthcare system, either nationally or at the state level. At the federal level, Congress has continued to propose or consider 
healthcare budgets that substantially reduce payments under the Medicare programs. There can be no assurance as to the ultimate content, 
timing or effect of any healthcare reform legislation, nor is it possible at this time to estimate the impact of potential legislation on us. That 
impact may be material to our business, financial condition or results of operations.  

We operate in a highly competitive industry.  

We encounter competition from local, regional or national entities, some of which have superior competitive advantages. Intense competition 
may adversely affect our business, financial condition or results of operations. See "Our Business -- Competition" in Item 1.  

4  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
FACTORS INFLUENCING DEMAND FOR THERAPY SERVICES  

We believe that the following factors, among others, influence the growth of outpatient physical and occupational therapy services:  

- Economic Benefits of Therapy Services. Purchasers and providers of healthcare services, such as insurance companies, health maintenance 
organizations, businesses and industries, continuously seek ways to save on the cost of traditional healthcare services. We believe that our 
therapy services provide a cost-effective way to prevent short-term disabilities from becoming chronic conditions and to speed recovery from 
surgery and musculoskeletal injuries.  

- Earlier Hospital Discharge. Changes in health insurance reimbursement, both public and private, have encouraged the early discharge of 
patients to reduce costs. We believe that early hospital discharge practices foster greater demand for outpatient physical and occupational 
therapy services.  

- Aging Population. The elderly population has a greater incidence of major disability. As this segment of the population grows, we believe that 
demand for rehabilitation services will expand.  

MARKETING  

We focus our local marketing efforts on physicians, mainly orthopedic surgeons, neurosurgeons, physiatrists, occupational medicine physicians 
and general practitioners. In marketing to the physician community, we emphasize our commitment to quality patient care and communication 
with physicians regarding patient progress. We employ personnel to assist clinic directors in developing and implementing marketing plans for 
the physician community and to assist in establishing referral relationships with health maintenance organizations, preferred provider 
organizations, industry and case managers and insurance companies.  

SOURCES OF REVENUE  

Payor sources for clinic services are primarily commercial health insurance, managed care programs, workers' compensation insurance, 
Medicare and proceeds from personal injury cases. Commercial health insurance, Medicare and managed care programs generally provide 
coverage to patients utilizing our clinics after payment of normal deductibles and co-insurance payments. Workers' compensation laws 
generally require employers to provide, directly or indirectly through insurance, for their employees' costs of medical rehabilitation from work-
related injuries and disabilities and, in some jurisdictions, mandatory vocational rehabilitation, usually without any deductibles, co-payments or 
cost sharing. Treatments for patients who are parties to personal injury cases are generally paid from the proceeds of settlements with insurance 
companies or from favorable judgments. If an unfavorable judgment is received, collection efforts are generally not pursued against the patient 
and the patient's account is written off against established reserves. Bad debt reserves relating to personal injury accounts receivable are 
regularly reviewed and adjusted as appropriate.  

The following table shows our payor mix for the years ended:  

                                                DECEMBER 31, 2002       DECEMBER 31, 2001 
                                              ----------------------   -------------------- 
                                                          PAYOR MIX              PAYOR MIX 
PAYOR                                          VISITS     PERCENTAGE   VISITS    PERCENTAGE 
-----                                         ---------   ----------   -------   ---------- 
Commercial Health Insurance.................    278,000      27.7%     242,000      27.8% 
Managed Care Programs.......................    289,000      28.8%     239,000      27.4% 
Workers' Compensation Insurance.............    176,000      17.5%     177,000      20.3% 
Medicare/Medicaid...........................    213,000      21.2%     165,000      19.0% 
Other.......................................     48,000       4.8%      48,000       5.5% 
                                              ---------     ------     -------     ------ 
  Total.....................................  1,004,000     100.0%     871,000     100.0% 
                                              =========     ======     =======     ====== 

Our business also depends to a significant extent on our relationships with commercial health insurers, workers' compensation insurers, and 
health maintenance organizations and preferred provider organizations. In some geographical areas, our clinics must be approved as providers 
by key health maintenance organizations and preferred  

5  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
provider plans to obtain payments. As to these clinics, failure to obtain or maintain these approvals would adversely affect their financial 
results.  

Approximately 20% of our visits are from patients with Medicare insurance coverage. To receive Medicare reimbursement, a rehabilitation 
agency or the individual therapist must meet applicable participation conditions set by HHS (the Health and Human Services Department of the 
federal government) relating to the type of facility, equipment, record keeping, personnel and standards of medical care, and also must comply 
with all state and local laws. HHS periodically inspects or surveys clinics for compliance. As of December 31, 2002, 159 of our clinics have 
been certified as rehabilitation agencies by Medicare and an additional 27 clinics, not certified as rehabilitation agencies, have individual 
therapists certified by Medicare to provide services as physical therapists in private practice. We anticipate that newly developed clinics will 
generally elect to become certified as Medicare providers. No assurance can be given that the newly developed clinics will be successful in 
becoming certified as Medicare providers.  

Since 1999, reimbursement for outpatient therapy services has been made according to a fee schedule published by the HHS. Under the 
Balanced Budget Act of 1997 the total amount paid by Medicare in any one year for outpatient physical (including speech-language pathology) 
or occupational therapy to any one patient is limited to $1,500, except for services provided in hospitals. After a three year moratorium, this 
financial limitation on therapy services will be implemented for services rendered on or after July 1, 2003. The total amount paid by Medicare 
in any one year has been adjusted up to $1,590, and the full amount will be available for the six month period between July 1, 2003 and 
December 31, 2003. Effective January 1, 2004 this financial limitation, as adjusted for inflation, will be an annual limit. Legislation has been 
introduced in both houses of Congress (S569/HR1125) to permanently repeal this financial limit on therapy services. If the limit had been in 
effect as of July 1, 2002, we estimate that Medicare payments exceeding the cap for 2002 would have been $1.2 million. The potential negative 
impact on revenue could be reduced by receiving payments from secondary insurance carriers, patients electing to self-pay, and most 
importantly by replacing lost revenues by more aggressive marketing efforts focused on decreasing Medicare as a percentage of our total 
business. In the event such negative impact is not mitigated by such efforts, the limit could have a adverse impact on 2004 income (potentially 
as much as a 10% reduction) since the limit will apply for the entire year.  

Medicare regulations require that a physician certify the need for therapy services for each patient and that these services be provided under an 
established plan of treatment, which is periodically revised. State Medicaid programs generally do not provide coverage for outpatient physical 
or occupational therapy; thus Medicaid is not, nor is it expected to be, a material payor for us.  

REGULATION AND HEALTHCARE REFORM  

Numerous federal, state and local regulations regulate healthcare services. Some states into which we may expand have laws requiring facilities 
employing health professionals and providing health-related services to be licensed and, in some cases, to obtain a certificate of need (that is, 
demonstrating to a state regulatory authority the need for and financial feasibility of new facilities or the commencement of new healthcare 
services). Based on our operating experience to date, we believe that our business as presently conducted does not require certificates of need 
or other facility approvals or licenses. Our therapists, however, are required to be licensed. Failure to obtain or maintain any required 
certificates, approvals or licenses could have a material adverse effect on our business, financial condition and results of operations.  

Regulations Controlling Fraud and Abuse. Various federal and state laws regulate the relationships between providers of healthcare services 
and physicians. These laws include Section 1128B(b) of the Social Security Act (the "Fraud and Abuse Law"), under which civil and criminal 
penalties can be imposed upon persons who pay or receive remuneration in return for referrals of patients who are eligible for reimbursement 
under the Medicare or Medicaid programs. We believe that our billing procedures and business arrangements are in compliance with these 
provisions. However, the provisions are broadly written and the full extent of their application is not currently known.  

In 1991, the Office of the Inspector General ("OIG") of the United States Department of Health and Human Services issued regulations 
describing compensation arrangements that fall within a "Safe Harbor" and, therefore, are not viewed as illegal remuneration under the Fraud 
and Abuse Law. Failure to fall within a Safe Harbor does not  

6  

 
 
 
 
 
 
 
 
 
mean that the Fraud and Abuse Law has been violated; however, the OIG has indicated that failure to fall within a Safe Harbor may subject an 
arrangement to increased scrutiny.  

Our business of managing physician-owned physical therapy facilities is regulated by the Fraud and Abuse Law and falls outside the scope of 
the Safe Harbors. Nonetheless, we believe that these arrangements comply with the Fraud and Abuse Law, even though federal courts provide 
little guidance as to the application of the Fraud and Abuse Law to these arrangements. If our management contracts are held to violate the 
Fraud and Abuse Law, it could have a material adverse effect on our business, financial condition and results of operations.  

In February 2000, the OIG issued a special fraud alert regarding the rental of space in physician offices by persons or entities to which the 
physicians refer patients. The OIG is concerned that in these arrangements, rental payments may be disguised kickbacks to the physician-
landlords to induce referrals. The Fraud and Abuse Law prohibits knowingly and willfully soliciting, receiving, offering or paying anything of 
value to induce referrals of items or services payable by a federal healthcare program. We rent clinic space for a number of our clinics from 
referring physicians and have taken the appropriate steps that we believe are necessary to assure that all leases comply with the space rental 
Safe Harbor to the Fraud and Abuse Law.  

Stark II. Provisions of the Omnibus Budget Reconciliation Act of 1993 (the "Stark Law") prohibits referrals by a physician for "designated 
health services" to an entity in which the physician or family member has an investment interest or other financial relationship, with several 
exceptions. This law applies to us.  

The Stark Law covers a management contract with a physician group and any financial relationship between us and referring physicians, 
including any financial transaction resulting from a clinic acquisition. This law also prohibits billing for services rendered from a prohibited 
referral Several states have enacted laws similar to the Stark Law, but these state laws cover all (not just Medicare and Medicaid) patients. 
Many federal healthcare reform proposals in the past few years have expanded the Stark Law to cover all patients as well. As with the Fraud 
and Abuse Law, we consider the Stark Law in planning our clinics, marketing and other activities, and believe that our operations are in 
compliance with applicable law. If we fail to comply with the Stark Law our financial results and operations would be adversely affected. 
Penalties for violation include denial of payment for the services, significant civil monetary penalties, and exclusion from the Medicare and 
Medicaid programs.  

HIPAA. In an effort to further combat healthcare fraud, Congress included several anti-fraud measures in the Health Insurance Portability and 
Accountability Act of 1996 ("HIPAA"). HIPAA created a source of funding for fraud control to coordinate federal, state and local healthcare 
law enforcement programs, conduct investigations, provide guidance to the healthcare industry concerning fraudulent healthcare practices, and 
establish a national data bank to receive and report final adverse actions. Additionally, HIPAA mandates the adoption of standards regarding 
the exchange of electronic healthcare information in an effort to ensure the privacy and security of patient information and standards relating to 
the privacy of health information and security of electronic health information. We must fully comply with the standards for the exchange of 
electronic healthcare information by October 16, 2003. We must fully comply with the standards relating to privacy of protected health 
information by April 14, 2003. Finally, we must comply with HIPAA standards for the security of electronic health information by April 21, 
2005. Sanctions for failing to comply with HIPAA include criminal penalties and civil sanctions.  

We cannot predict what effect, if any, the expanded enforcement authorities will have on our business. We believe that our operations comply 
with HIPAA requirements. We expect that our costs of compliance with HIPAA will not have a material effect on our business, financial 
condition or results of operations.  

Other Regulatory Factors. Political, economic and regulatory influences are fundamentally changing the healthcare industry in the United 
States Congress, state legislatures and the private sector will continue to review and assess alternative healthcare delivery and payment 
systems. Potential alternative approaches include mandated basic healthcare benefits, controls on healthcare spending through limitations on 
the growth of private health insurance premiums and Medicare and Medicaid spending, the creation of large insurance purchasing groups, and 
price controls. Legislative debate is expected to continue in the future and market forces are expected to demand reduced costs. For instance, 
managed care entities, which represent an ever-growing percentage of healthcare payors, are demanding lower reimbursement rates from 
healthcare providers, and in some cases, are requiring or encouraging providers to accept capitated payments that may not allow providers to 
cover their full costs or realize traditional levels of  

7  

 
 
 
 
 
 
 
 
 
profitability. We cannot predict what impact the adoption of any federal or state healthcare reform measures or future private sector reform may 
have on our business.  

COMPETITION  

The healthcare industry generally, and the physical and occupational therapy businesses in particular, are highly competitive and undergo 
continual changes in the manner in which services are delivered and in which providers are selected. Competitive factors affecting our business 
include quality of care, cost, treatment outcomes, convenience of location, and relationships with and ability to meet the needs of referral and 
payor sources. Our clinics compete directly or indirectly with the physical and occupational therapy departments of acute care hospitals, 
physician-owned therapy clinics, other private therapy clinics and chiropractors.  

Of these sources, we believe acute care hospital outpatient therapy clinics and private therapy clinic organizations are our primary competitors. 
We will face more intense competition as consolidation of the therapy industry continues through the acquisition of physician-owned and other 
privately-owned therapy practices.  

We believe that our strategy of providing key therapists in a community with an opportunity to participate in clinic profitability provides us 
with a competitive advantage because their participation helps ensure the commitment of local management to the success of the clinic and 
minimizes turnover of managing therapists.  

We also believe that our competitive position is enhanced by our strategy of locating our clinics, when possible, on the ground floor of office 
buildings and shopping centers with nearby parking, thereby making the clinics more easily accessible to patients. We also attempt to make the 
decor in our clinics less institutional and more aesthetically pleasing than hospital clinics. Finally, we believe that we can generally provide 
services at a lower cost than hospitals due to hospitals' higher overhead.  

EMPLOYEES  

At December 31, 2002, we employed 1,239 total employees, of which 880 were full-time employees. At that date, none of our employees were 
governed by collective bargaining agreements or were members of unions. We consider our relations with our employees to be good.  

In the states in which our current clinics are located, persons performing physical and occupational therapy services are required to be licensed 
by the state. All persons currently employed by us who are required to be licensed are licensed. We are not aware of any federal licensing 
requirements applicable to our employees.  

AVAILABLE INFORMATION  

Our annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K and amendments to those reports filed or 
furnished pursuant to Section 13(a) or 15(d) of the Exchange Act are made available free of charge on our internet website at 
http://www.usphysicaltherapy.com as soon as reasonably practicable after we electronically file such material with, or furnish it to, the 
Securities and Exchange Commission.  

ITEM 2. PROPERTIES.  

We lease all of the properties used for our clinics under non-cancelable operating leases with terms ranging from one to five years, with the 
exception of two clinics located in Brownwood, Texas and Mineral Wells, Texas, which we own. In addition, we own a building relating to a 
closed facility, which is for sale, in Clovis, New Mexico. We intend to lease the premises in which new clinics will be located except in rare 
instances in which leasing is not a cost effective alternative. Our typical clinic occupies 1,500 to 3,000 square feet.  

We also lease our executive offices located in Houston, Texas, under a non-cancelable operating lease expiring in June 2010. We currently 
occupy approximately 35,000 square feet of space (including allocations for common areas) at our executive offices and have the option to 
lease an additional 24,000 square feet.  

8  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ITEM 3. LEGAL PROCEEDINGS.  

We are involved in litigation and other proceedings arising in the ordinary course of business. While the ultimate outcome of lawsuits or other 
proceedings cannot be predicted with certainty, we do not believe the impact of existing lawsuits or other proceedings would have a material 
impact on our business, financial condition or results of operations.  

ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS.  

No matters were submitted to a vote of our security holders during the fourth quarter of 2002.  

PART II  

ITEM 5. MARKET FOR COMMON EQUITY AND RELATED STOCKHOLDER MATTERS.  

PRICE QUOTATIONS  

Our common stock is traded on the Nasdaq National Market ("Nasdaq") under the symbol "USPH." As of March 18, 2003, there were 41 
holders of record of our outstanding common stock. The range of Nasdaq reported trading prices shown below reflects the two-for-one stock 
split on January 5, 2001, to holders of record as of December 27, 2000 and the three-for-two stock split on June 28, 2001, to holders of record 
as of June 7, 2001. The reported quotations reflect inter-dealer prices, without retail mark-up, mark-down or commission and may not represent 
actual transactions.  

                                                          2002              2001 
                                                     ---------------   --------------- 
QUARTER                                               HIGH     LOW      HIGH     LOW 
-------                                              ------   ------   ------   ------ 
First..............................................  $19.00   $14.00   $15.25   $ 7.04 
Second.............................................   20.31    15.25    21.37     8.58 
Third..............................................   20.25     9.69    19.75    11.21 
Fourth.............................................   13.31     9.05    20.47    13.85 

In a May 1994 private offering, we issued $3 million in subordinated notes. The notes have the following material terms:  

- Matures on June 30, 2004.  

- Has a remaining principal balance of $2.3 million.  

- Interest rate of 8% payable quarterly.  

- Convertible into common stock at a conversion price of $3.33.  

Since inception we have not declared or paid cash dividends or made distributions on our equity securities, and we do not anticipate that we 
will pay cash dividends or make distributions in the foreseeable future.  

9  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
EQUITY COMPENSATION PLAN INFORMATION  

The following table provides information about our common stock that may be issued upon the exercise of options and rights under all of our 
existing equity compensation plans as of December 31, 2002, including the 1992 Stock Option Plan, 1999 Employee Stock Option Plan, 
Executive Option Plan and Inducement option agreements.  

                                                                               NUMBER OF SECURITIES 
                               NUMBER OF SECURITIES                           REMAINING AVAILABLE FOR 
                                TO BE ISSUED UPON      WEIGHTED AVERAGE        FUTURE ISSUANCE UNDER 
                                   EXERCISE OF         EXERCISE PRICE OF        EQUITY COMPENSATION 
                                   OUTSTANDING        OUTSTANDING OPTIONS   PLANS, EXCLUDING SECURITIES 
PLAN CATEGORY                   OPTIONS AND RIGHTS        AND RIGHTS          REFLECTED IN 1ST COLUMN 
-------------                  --------------------   -------------------   --------------------------- 
Equity Compensation Plans 
  Approved by 
  Stockholders(1)............       1,580,858                $6.71                    215,114 
Equity Compensation Plans Not 
  Approved by 
  Stockholders(2)............         118,083                $9.23                    208,413 
Total........................       1,698,941                $6.89                    423,527 

(1) The 1992 Stock Option Plan, as amended (the "1992 Plan") permits us to grant to key employees and outside directors incentive and non-
qualified options.  

The Executive Option Plan (the "Executive Plan") permits us to grant to officers or our affiliates, options to purchase shares of our common 
stock. No further grants of options will be made under the Executive Plan.  

(2) The 1999 Employee Stock Option Plan (the "1999 Plan") permits us to grant to certain non-officer employees non-qualified options to 
purchase shares of our common stock.  

We granted Inducement options to certain individuals in connection with their offers of employment. Each inducement option has its own plan.  

For further descriptions of the 1999 Plan and the Inducements, see "Financial Statements and Supplementary Data -- Stock Option Plans" in 
Note 8 of Item 8.  

ITEM 6. SELECTED FINANCIAL DATA.  

                                                           YEAR ENDED DECEMBER 31, 
                                               ----------------------------------------------- 
                                                2002      2001      2000      1999      1998 
                                               -------   -------   -------   -------   ------- 
                                                   ($ IN THOUSANDS, EXCEPT PER SHARE DATA) 
Net revenues.................................  $94,739   $80,948   $63,222   $51,368   $44,837 
Income before income taxes...................  $13,724   $11,503   $ 6,138   $ 3,962   $ 2,704 
Net income...................................  $ 8,488   $ 7,071   $ 3,735   $ 2,394   $ 1,596 
Earnings per common share: 
  Basic(1)...................................  $  0.77   $  0.70   $  0.40   $  0.23   $  0.15 
  Diluted(1).................................  $  0.67   $  0.55   $  0.34   $  0.23   $  0.14 
Total assets(2)..............................  $41,033   $36,742   $22,970   $23,346   $24,362 
Long-term debt, less current portion.........  $ 2,350   $ 3,021   $ 7,226   $ 8,087   $ 8,126 
Working capital..............................  $20,234   $19,130   $10,420   $12,493   $12,832 
Current ratio(2).............................     8.10      6.03      4.14      6.79      5.45 
Total long-term debt to total 
  capitalization.............................     0.07      0.12      0.46      0.43      0.41 

(1) All per share information has been adjusted to reflect a two-for-one stock split on January 5, 2001, and a three-for-two stock split on June 
28, 2001.  

(2) A reclassification has been made in 2001 to conform to the presentation used for 2002. The reclassifications had no effect on net income.  

10  

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

OVERVIEW  

We operate outpatient physical and occupational therapy clinics that provide pre- and post-operative care and treatment for a variety of 
orthopedic-related disorders and sports-related injuries. At December 31, 2002, we operated 202 outpatient physical and occupational therapy 
clinics in 34 states. The average age of our clinics at December 31, 2002, was 4.15 years. We have developed 196 of the clinics and acquired 
six. To date, we have sold one clinic, closed 14 facilities due to substandard clinic performance, and consolidated three clinics with other 
existing clinics. We added 40 new clinics in 2002 and plan to open between 40 and 45 clinics in 2003.  

In addition to our owned clinics, we also manage physical therapy facilities for third parties, primarily physicians, with five third-party 
facilities under management as of December 31, 2002.  

CRITICAL ACCOUNTING POLICIES  

Critical accounting policies are those that have a significant impact on our results of operations and financial position involving significant 
estimates requiring our judgment. Our critical accounting policies are:  

Revenue Recognition. We primarily bill third-party payors for services at standard rates. Net patient revenues are based on established billing 
rates, less allowances and discounts for patients covered by contractual programs. Payments received under these programs are based on 
predetermined rates and are generally less than the established billing rates of the clinics. Net patient revenues reflect reserves, evaluated 
monthly by management, for contractual and other adjustments agreed to or established with payors. Reimbursement for Medicare 
beneficiaries is based upon a fee schedule published by HHS. See "Our Business -- Sources of Revenue" in Item 1.  

Allowance for Doubtful Accounts. We review the accounts receivable aging and rely on prior experiences with particular payors at each clinic 
to determine an appropriate reserve for doubtful accounts. Historically, clinics that have large numbers of aged accounts generally have less 
favorable collection experience, and thus they require a higher allowance. Accounts that are ultimately determined to be uncollectible are 
written off against our bad debt allowance. The amount of our aggregate bad debt allowance is periodically reviewed for adequacy in light of 
current and historical experience.  

Accounting for Income Taxes. As part of the process of preparing the consolidated financial statements, we must estimate our federal and state 
income tax liability, as well as assess temporary differences resulting from differing treatment of items (such as bad debt expense and 
amortization of leasehold improvements) for tax and for accounting purposes. The differences result in deferred tax assets and liabilities, which 
are included in our consolidated balance sheets. We must then assess the likelihood that deferred tax assets will be recovered from future 
taxable income, and if not, establish a valuation allowance.  

Carrying Value of Long-Lived Assets. Our property and equipment, intangible assets and goodwill (collectively, our "long-lived assets") 
comprise a significant portion of our total assets at December 31, 2002 and 2001. We account for our long-lived assets pursuant to Statement of 
Financial Accounting Standards No. 142 and Statement of Financial Accounting Standards No. 144. These accounting standards require that 
we periodically, and upon the occurrence of certain events, assess the recoverability of our long-lived assets. If the carrying value of our 
property and equipment or intangible assets exceeds their undiscounted cash flows, we are required to write the carrying value down to 
estimated fair value. Also, if the carrying value of our goodwill exceeds the estimated fair value, we are required to allocate the estimated fair 
value to our assets and liabilities, as if we had just acquired it in a business combination. We then would write-down the carrying value of our 
goodwill to the implied fair value. Any such write-down is included as an impairment loss in our consolidated statement of operations. A 
degree of judgment is required to estimate the fair value of our long-lived assets. We may use quoted market prices, prices for similar assets, 
present value techniques and other valuation techniques to prepare these estimates. In addition, we may obtain independent appraisals in certain 
circumstances. We may need to make estimates of future cash flows and discount rates as well as other assumptions in order to implement 
these valuation techniques. Accordingly, any value ultimately derived from our long-lived assets may differ from our estimate of fair value.  

11  

 
 
 
 
 
 
 
 
 
 
 
Accounting for Minority Interests. In the majority of our partnership agreements, the therapist partner begins with a 20% profit interest in his or 
her clinic partnership, which increases by 3% at the end of each year until his or her interest reaches 35%. Within the balance sheet and 
statement of operations we record partner therapist's profit interest in the clinic partnerships as minority interest in earnings of subsidiary 
limited partnerships. The Emerging Issues Task Force ("EITF") issued EITF 00-23, "Issues Related to the Accounting for Stock Compensation 
under APB No. 25 and FASB Interpretation No, 44", which provides specific accounting guidance relating to various incentive compensation 
issues. We have reviewed EITF 00-23 with respect to the partnerships structure and the accounting for minority interest and concluded that for 
partnerships formed after January 18, 2001, EITF 00-23 requires us to expense as compensation rather than as a minority interest in earnings, 
the clinic partner's interest in profits. Moreover, EITF 00-23 will also require, as to clinic partnerships formed after January 18, 2001, that we 
expense as compensation rather than capitalizing as goodwill, the purchase of minority interest in the partnerships. At this time we operate 43 
wholly owned clinics without any minority interest. It is possible that due to this recent change in accounting practices we will increase our 
development of non-partnership clinics, and because of the revised method of accounting for clinic partnerships, we probably will expand the 
number of wholly owned clinics we have.  

In accordance with the above, for the year ended December 31, 2002, we have classified $306,000 of the minority interests in earnings of 
subsidiary limited partnerships relating to the 26 partnerships formed after January 18, 2001, into salaries and related costs. As of December 
31, 2002, $276,000 of undistributed minority interests related to the 26 partnerships is classified as other long-term liabilities. This change in 
classification had no effect on net income at December 31, 2002. No amounts were reclassified in 2001, due to the insignificant amount of 
minority interest in the 13 partnerships formed between January 18, 2001 and December 31, 2001. See "Minority Interest" (a subsection of 
"Significant Accounting Policies") -- Note 2 in Item 8.  

SELECTED OPERATING AND FINANCIAL DATA  

The following table presents selected operating and financial data:  

                                                      FOR THE YEARS ENDED DECEMBER 31, 
                                                      -------------------------------- 
                                                         2002        2001       2000 
                                                      ----------   --------   -------- 
Working days........................................         254        254        253 
Average visits per day per clinic...................        22.1       22.9       21.8 
Total patient visits................................   1,004,000    871,000    697,000 
Per visit: 
  Net revenues......................................  $    94.36   $  92.94   $  90.70 
  Salaries and related costs........................      (41.98)    (40.59)    (41.15) 
  Rent, clinic supplies and other...................      (20.63)    (20.20)    (21.45) 
  Provision for doubtful accounts...................       (1.66)     (2.22)     (2.29) 
                                                      ----------   --------   -------- 
     Contribution from clinics......................       30.09      29.93      25.81 
  Corporate office costs............................      (11.29)    (10.47)    (10.91) 
                                                      ----------   --------   -------- 
     Operating income...............................  $    18.80   $  19.46   $  14.90 
                                                      ==========   ========   ======== 

12  

 
 
 
 
 
 
 
 
 
 
FISCAL YEAR 2002 COMPARED TO FISCAL YEAR 2001  

Net Patient Revenues  

Net patient revenues increased to $92.3 million for 2002 from $78.5 million for 2001, an increase of $13.8 million, or 18%, on a 15% increase 
in patient visits to 1,004,000. Net patient revenues from the 40 clinics opened during 2002 (the "2002 New Clinics") accounted for 21% of the 
increase, or $2.9 million. The remaining increase of $10.9 million in net patient revenues is attributable to the 162 clinics opened before 2002 
(the "Mature Clinics"). Of the $10.9 million increase in net patient revenues from the Mature Clinics, $9.1 million was attributable to a 12% 
increase in the number of patient visits to 972,000, while $1.8 million was attributable to a 2% increase in the average net patient revenue per 
visit to $91.93.  

Management contract revenues remained constant at $2.3 million for 2002 and 2001. We do not expect any significant expansion of our 
management contracting business.  

Management Contract Revenues  

Total clinic operating costs as a percent of net revenues remained constant at 68% for 2002 and 2001.  

- Clinic Operating Costs -- Salaries and Related Costs  

Clinic Operating Costs  

Salaries and related costs increased to $42.2 million for 2002 from $35.4 million for 2001, an increase of $6.8 million, or 19%. Approximately 
27% of the increase, or $1.8 million, was attributable to the opening of the 2002 New Clinics. The remaining 73% increase, or $5.0 million, 
was attributable principally to increased staffing at the Mature Clinics to meet the increase in patient visits, coupled with an increase in bonuses 
earned by clinic directors at the Mature Clinics. Bonuses are based on the net revenues or operating profit generated by the individual clinics. 
Salaries and related costs as a percent of net revenues remained constant at 44% for 2002 and 2001.  

- Clinic Operating Costs -- Rent, Clinic Supplies and Other  

Rent, clinic supplies and other increased to $20.7 million for 2002 from $17.6 million for 2001, an increase of $3.1 million, or 18%. 
Approximately 52% of the increase, or $1.6 million, was attributable to the 2002 New Clinics, while 48%, or $1.5 million, of the increase was 
incurred at the Mature Clinics. The increase in rent, clinic supplies and other for the Mature Clinics was primarily attributable to the fact that 8 
of the 30 clinics opened during 2001 initiated operations in the fourth quarter, reflecting that 2002 was the first year in which they incurred a 
full year of expenses. Rent, clinic supplies and other as a percent of net revenues remained constant at 22% for 2002 and 2001.  

- Clinic Operating Costs -- Provision for Doubtful Accounts  

The provision for doubtful accounts decreased to $1.7 million for 2002 from $1.9 million for 2001, a decrease of 14%, or $261,000. In 2002, 
provision for doubtful accounts for Mature Clinics decreased $319,000 as a result of our improved collection efforts, which was off-set by an 
increase of $58,000 in 2002 New Clinics. The provision for doubtful accounts as a percent of net revenues decreased to 1.8% in 2002 compared 
to 2.5% for 2001. The allowance for doubtful accounts as a percentage of total patient accounts receivable increased from 23% to 25% from 
December 31, 2001 to December 31, 2002. Gross days in accounts receivable decreased to 71 in December 31, 2002 from 81in the same period 
a year earlier. The provision for doubtful accounts for each period is based on a detailed, clinic-by-clinic review of overdue accounts.  

Corporate Office Costs  

Corporate office costs consist primarily of salaries and benefits of corporate office personnel, rent, insurance costs, depreciation and 
amortization, travel, legal, professional, marketing and recruiting fees. These costs increased to $11.3 million for 2002 from $9.1 million for 
2001, an increase of $2.2 million, or 24%. Significant increases were incurred in salaries, recruiting fees and benefits related to additional 
personnel hired to support an increasing number  

13  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
of clinics, as well as depreciation expense, insurance costs and legal fees. Corporate office costs as a percent of net revenues increased to 12% 
in 2002 from 11% in 2001.  

Interest Expense  

Interest expense decreased $52,000, or 20%, to $214,000 for 2002 from $266,000 for 2001, primarily because of the conversion of a portion of 
our Series C Convertible Subordinated Note into 200,100 shares of our common stock in the second quarter of 2002. See "Factors Affecting 
Future Results -- Convertible Subordinated Debt" in Item 7.  

Minority Interests in Earnings of Subsidiary Limited Partnerships  

Minority interests in earnings of subsidiary limited partnerships decreased $243,000, or 5%, to $4.9 million for 2002 from $5.2 million for 
2001. The decrease primarily related to the repurchase of minority partners' interests, coupled with a change in accounting that requires us to 
record minority interests in earnings of subsidiary limited partnerships opened after January 18, 2001, as salaries and related costs. See 
"Acquisition of Minority Interests" and "Significant Accounting Policies" -- Note 4 and 2, respectively, in Item 8.  

The provision for federal and state income taxes increased to $5.2 million for 2002 from $4.4 million for 2001, an increase of $804,000, or 
18%, which was directly related to our 19% increase in current year income before income taxes. During 2002 and 2001, we provided for 
income taxes at an effective tax rate of 38% and 39%, respectively.  

Provision for Income Taxes  

FISCAL YEAR 2001 COMPARED TO FISCAL YEAR 2000  

Net Patient Revenues  

Net patient revenues increased to $78.5 million for 2001 from $60.7 million for 2000, an increase of $17.8 million, or 29%, on a 25% increase 
in patient visits to 871,000. Net patient revenues from the 30 clinics opened during 2001 (the "2001 New Clinics") accounted for 21% of the 
increase, or $3.7 million. The remaining increase of $14.1 million in net patient revenues is attributable to the 132 clinics opened before 2001 
(the "2001 Mature Clinics"). Of the $14.1 million increase in net patient revenues from the 2001 Mature Clinics, $11.5 million was attributable 
to a 19% increase in the number of patient visits to 829,000, while $2.6 million was attributable to a 4% increase in the average net revenue per 
visit to $90.19.  

Management contract revenues decreased to $2.3 million for 2001 from $2.4 million for 2000, a decrease of $58,000, or 2%. This decrease was 
primarily attributable to the termination at the end of the contract of a third-party management contract with a hospital in February 2001. We do 
not expect any significant expansion of our management contracting business.  

Management Contract Revenues  

Total clinic operating costs as a percent of net patient revenues decreased to 68% in 2001 from 72% in 2000.  

- Clinic Operating Costs -- Salaries and Related Costs  

Clinic Operating Costs  

Salaries and related costs increased to $35.4 million for 2001 from $28.7 million for 2000, an increase of $6.7 million, or 23%. Approximately 
26% of the increase, or $1.7 million, was attributable to the opening of the 2001 New Clinics. The remaining 74% increase, or $5 million, was 
attributable principally to increased staffing to meet the increase in patient visits at the 2001 Mature Clinics, coupled with an increase in 
bonuses earned by clinic directors at the 2001 Mature Clinics. Bonuses are based on the net revenues or operating profit generated by the 
individual clinics. Salaries and related costs as a percent of total net revenues decreased to 44% in 2001 from 46% in 2000, reflecting increased 
patient visits and higher per-patient billings.  

14  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
- Clinic Operating Costs -- Rent, Clinic Supplies and Other  

Rent, clinic supplies and other increased to $17.6 million for 2001 from $15 million for 2000, an increase of $2.6 million, or 17%. 
Approximately 50% of the increase, or $1.3 million, was attributable to the 2001 New Clinics, while 50%, or $1.3 million, of the increase was 
incurred at the 2001 Mature Clinics. The increase in rent, clinic supplies and other for the 2001 Mature Clinics was primarily attributable to the 
fact that 32% of the 28 clinics opened during 2000 initiated operations in the fourth quarter, reflecting that 2001 was the first year in which they 
incurred a full year of expenses. Rent, clinic supplies and other as a percent of total revenues decreased to 22% for 2001 from 24% for 2000, 
reflecting increased patient visits and higher per-patient billings.  

- Clinic Operating Costs -- Provision for Doubtful Accounts  

The provision for doubtful accounts increased to $1.9 million for 2001 from $1.6 million for 2000, an increase of 21%, or $334,000. 
Approximately 24% of the increase, or $81,000, was attributable to the 2001 New Clinics. The remaining 76% increase, or $253,000, was 
attributable to the 2001 Mature Clinics. The provision for doubtful accounts as a percent of net patient revenues remained fairly constant at 
2.5% for 2001 compared to 2.6% for 2000. The provision for doubtful accounts for each period is based on a detailed, clinic-by-clinic review 
of overdue accounts.  

Corporate Office Costs  

Corporate office costs consist primarily of salaries and benefits of corporate office personnel, rent, insurance costs, depreciation and 
amortization, travel, legal, professional, marketing and recruiting fees. These costs increased to $9.1 million for 2001 from $7.6 million for 
2000, an increase of $1.5 million, or 20%. Significant increases were incurred in legal fees, travel, recruiting fees, as well as salaries and 
benefits related to additional personnel hired to support an increasing number of clinics. However, corporate office costs as a percent of net 
revenues decreased to 11% in 2001 from 12% in 2000. Corporate office expense in 2000 included $369,000 related to our discontinued surgery 
center initiative.  

Interest Expense  

Interest expense decreased $514,000, or 66%, to $266,000 for 2001 from $780,000 for 2000, primarily because of the conversion into shares of 
our common stock of $850,000 of convertible subordinated debt in the last quarter of 2000 and $4.2 million of convertible subordinated debt in 
the first quarter of 2001. See "Factors Affecting Future Results -- Convertible Subordinated Debt" in Item 7.  

Minority Interests in Earnings of Subsidiary Limited Partnerships  

Minority interests in earnings of subsidiary limited partnerships increased $1.7 million, or 49%, to $5.2 million for 2001 from $3.5 million for 
2000, reflecting the increase in aggregate profitability of those clinics in which clinic therapist partners accrue their portion of partnership 
income.  

Provision for Income Taxes  

The provision for federal and state income taxes increased to $4.4 million for 2001 from $2.4 million for 2000, an increase of $2 million, or 
83%. During 2001 and 2000, we accrued income taxes at an effective tax rate of 39%.  

LIQUIDITY AND CAPITAL RESOURCES  

At December 31, 2002, we had $7.6 million in cash and cash equivalents compared to $8.1 million at December 31, 2001. Our cash and cash 
equivalents are available to fund the working capital needs of our operating subsidiaries, future clinic development, acquisitions and 
investments. Included in cash and cash equivalents at December 31, 2001 was $4.5 million in a money market fund invested in short-term debt 
instruments issued by an agency of the U.S. Government.  

The decrease in cash of $511,000 from December 31, 2001 to December 31, 2002 is due primarily to cash used in financing activities of $13.4 
million and $6.6 million in fixed asset and intangible purchases, offset by $19.5 million in cash provided by operating activities. In 2002, we 
used $10.5 million in cash to repurchase 795,600 shares of  

15  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
our common stock, made $5.2 million in distributions to minority investors in subsidiary limited partnerships and repaid a $701,000 note 
payable. Cash was provided by proceeds of $3 million from the exercises of stock options.  

Our current ratio increased to 8.10 to 1.00 at December 31, 2002 from 6.03 to 1.00 at December 31, 2001. The increase in the current ratio is 
due primarily to a decrease in the current portion of notes payable.  

At December 31, 2002, we had a debt-to-equity ratio of 0.07 to 1.00 compared to 0.12 to 1.00 at December 31, 2001. The decrease in the debt-
to-equity ratio from December 31, 2001 to December 31, 2002 resulted from achieving net income of $8.5 million, the conversion of $667,000 
in subordinated notes into common stock, and realizing proceeds of $3 million and tax benefits of $4.2 million from the exercise of stock 
options.  

In 2002, $667,000 of a convertible subordinated note was converted into common stock, leaving a remaining balance of $2.3 million.  

We do not currently have credit lines or other credit arrangements. Historically, we have generated sufficient cash from operations to fund our 
development activities and cover operational needs. We generally do not acquire new clinics through acquisitions of existing clinics, but prefer 
developing and opening new clinics, which we believe generally requires less capital. We currently plan to continue developing new clinics, 
although this strategy may change if attractive opportunities become available. We have from time to time purchased the minority interests of 
limited partners in our clinic partnerships. We may purchase additional minority interests in the future. Generally, any purchases of minority 
interests are expected to be accomplished using a combination of common stock and cash. We believe that existing funds, supplemented by 
cash flows from existing operations, will be sufficient to meet our current operating needs, development plans and any purchases of minority 
interests through at least 2003.  

In 2002, we completed the repurchase of 795,600 shares for $10.5 million (including expenses). These purchases, combined with previous plan 
purchases bring total treasury stock purchases to 930,600 at December 31, 2002 pursuant to our stock purchase plan, which authorized 
1,000,000 shares. On February 26, 2003, our Board of Directors ("Board") authorized a new share repurchase program of up to 250,000 
additional shares of our outstanding common stock. As there is no expiration for this Board authorization, additional shares may be purchased 
from time to time in the open market or private transactions depending on price, availability and our cash position.  

RECENTLY PROMULGATED ACCOUNTING PRONOUNCEMENTS  

In June 2001, the Financial Accounting Standards Board ("FASB") issued Statement Financial Accounting Standards No. 143, "Accounting for 
Asset Retirement Obligations," ("SFAS 143") which addresses financial accounting and reporting for obligations associated with the retirement 
of tangible long-lived assets and the associated asset retirement costs. This statement applies to all entities that have legal obligations associated 
with the retirement of long-lived assets that result from the acquisition, construction, development or normal use of the asset. SFAS 143 is 
effective for fiscal years beginning after June 15, 2002. The adoption of SFAS 143 did not have a significant impact on our financial condition 
or results of operations.  

In April 2002, the FASB issued SFAS No. 145, "Rescission of FASB Statements No. 4, 44, and 64, Amendment of FASB Statements No. 13 
and Technical Corrections," ("SFAS 145") which provides guidance for income statement classification of gains and losses on extinguishments 
of debt and accounting for certain lease modifications that have economic effects that are similar to sale-leaseback transactions. SFAS 145 is 
effective for us beginning in 2003. We do not expect the adoption of SFAS 145 to have a material impact on our financial condition or results 
of operations.  

In June 2002, the FASB issued SFAS No. 146, "Accounting for Exit or Disposal Activities," ("SFAS 146") which addresses significant issues 
regarding the recognition, measurement, and reporting of costs that are associated with exit and disposal activities, including restructuring 
activities that are currently accounted for pursuant to the guidance set forth in EITF Issue No. 94-3, "Liability Recognition of Certain Employee 
Termination Benefits and Other Costs to Exit an Activity." SFAS 146 is effective for us beginning in 2003. We do not expect the adoption of 
SFAS 146 to have a material impact on our financial condition or results of operations.  

In November 2002, the FASB issued Interpretation No. 45 ("FIN 45"), "Guarantor's Accounting and Disclosure Requirements for Guarantees, 
Including Guarantees of Indebtedness of Others." FIN 45 requires that a liability  

16  

 
 
 
 
 
 
 
 
 
 
 
 
be recorded in the guarantor's balance sheet upon issuance of a guarantee. In addition, FIN 45 requires disclosures about the guarantees that an 
entity has issued, including a reconciliation of charges in the entity's product warranty liabilities. The initial recognition and initial 
measurement provision of FIN 45 are applicable on a prospective basis to guarantees issued or modified after December 31, 2002. The 
disclosure requirements of FIN 45 are effective for financial statements of interim or annual periods ending after December 15, 2002. We do 
not expect the adoption of FIN 45 to have a material impact on our financial condition or results of operations.  

In December 2002, the FASB issued SFAS No. 148, "Accounting for Stock-Based Compensation -- Transition and Disclosure, an amendment 
of FASB Statement No. 123," ("SFAS 148") which provides alternative methods of transition for an entity that voluntarily changes to the fair 
value based method of accounting for stock-based employee compensation. SFAS 148 also amends certain disclosures under SFAS 123 and 
Accounting Principles Board Opinion No. 28, "Interim Financial Reporting," to require prominent disclosure about the effects on reported net 
income of an entity's accounting policy decisions with respect to stock-based employee compensation. SFAS 148 is effective for fiscal years 
ending after December 15, 2002. We continue to use the provisions of APB Opinion No. 25, "Accounting for Stock Issued to Employees" 
("APB 25") to account for employee stock options and apply the disclosures required under SFAS 123.  

FACTORS AFFECTING FUTURE RESULTS  

Clinic Development  

As of December 31, 2002, we had 202 clinics in operation, 40 of which opened in 2002. Our goal for 2003 is to open between 40 and 45 
additional clinics if we can identify suitable geographic locations and physical and occupational therapists to manage the clinics. We expect to 
incur initial operating losses from the new clinics, which will impact our operating results. Generally we experience losses during the initial 
period of a new clinic's operation. Operating margins for newly opened clinics tend to be lower than more seasoned clinics because of start-up 
costs and lower patient visits and revenues. Patient visits and revenues gradually increases in the first year of operation, as patients and referral 
sources become aware of the new clinic. Revenues tend to increase significantly during the two to three years following the first anniversary of 
a clinic opening. Based on historical performance of our new clinics, the clinics opened in 2002 should favorably impact our results of 
operations beginning in 2003.  

Convertible Subordinated Debt  

In May 1994 we issued $3 million of 8% Convertible Subordinated Notes, Series C due June 30, 2004 (the "Series C Notes"). The Series C 
Convertible Subordinated Note is convertible at the option of the holder into the number of shares of our common stock determined by dividing 
the principal amount of the Notes being converted by $3.33 per share. In June 2002, $667,000 of the Series C Notes were converted by the note 
holders into 200,100 shares of common stock. The remaining principal amount under the Series C Note was $2.3 million at December 31, 2002 
and $3 million at December 31, 2001. If our share price is not at or above $3.33 in June 2004, it is likely that the note holders would not 
convert and we would have to use cash to repay the remaining Series C Note. See "Note Payable" in Note 5 of Item 8.  

The debt conversion increased our shareholders' equity by the carrying amount of the debt converted less unamortized deferred financing costs, 
thus improving our debt to equity ratio and favorably impacting results of operations and cash flow due to the interest savings in 2002 before 
income taxes of approximately $50,000.  

ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK.  

The Company does not maintain any derivative instruments, interest rate swap arrangements, hedging contracts, futures contracts or the like. Its 
only indebtedness as of December 31, 2002, was $2.3 million in Series C Convertible Subordinated Notes, described immediately above. See 
Note 5 of Item 8.  

17  

 
 
 
 
 
 
 
 
 
 
 
ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.  

U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

INDEX TO CONSOLIDATED FINANCIAL STATEMENTS  

Independent Auditors' Report................................   19
Audited Financial Statements: 
Consolidated Balance Sheets as of December 31, 2002 and 
  2001......................................................   20
Consolidated Statements of Operations for the years ended 
  December 31, 2002, 2001 and 2000..........................   21
Consolidated Statements of Shareholders' Equity for the 
  years ended December 31, 2002, 2001 and 2000..............   22
Consolidated Statements of Cash Flows for the years ended 
  December 31, 2002, 2001 and 2000..........................   23
Notes to Consolidated Financial Statements..................   24

18  

 
 
 
 
 
 
 
 
 
Board of Directors and Shareholders  
U.S. Physical Therapy, Inc.  

INDEPENDENT AUDITORS' REPORT  

We have audited the accompanying consolidated balance sheets of U.S. Physical Therapy, Inc. and subsidiaries (the "Company") as of 
December 31, 2002 and 2001, and the related consolidated statements of operations, shareholders' equity, and cash flows for each of the years 
in the three-year period ended December 31, 2002. In connection with our audits of the consolidated financial statements, we have also audited 
the related consolidated financial statement schedule for each of the years in the three-year period ended December 31, 2002. These 
consolidated financial statements and the consolidated financial statement schedule are the responsibility of the Company's management. Our 
responsibility is to express an opinion on these consolidated financial statements and consolidated financial statement schedule based on our 
audits.  

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

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of U.S. 
Physical Therapy, Inc. and subsidiaries as of December 31, 2002 and 2001, and the results of their operations and their cash flows for each of 
the years in the three-year period ended December 31, 2002, in conformity with accounting principles generally accepted in the United States 
of America. Also, in our opinion, the related consolidated financial statement schedule, when considered in relation to the basic consolidated 
financial statements taken as a whole, presents fairly in all material respects the information set forth therein.  

Houston, Texas  
March 7, 2003  

KPMG LLP  

19  

 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

CONSOLIDATED BALANCE SHEETS  
(IN THOUSANDS, EXCEPT SHARE DATA)  

                                                                 DECEMBER 31, 
                                                              ------------------- 
                                                                2002       2001 
                                                              --------    ------- 
ASSETS 
Current assets: 
  Cash and cash equivalents.................................  $  7,610    $ 8,121 
  Patient accounts receivable, less allowance for doubtful 
     accounts of $4,327 and $3,805, respectively............    13,235     12,769 
  Accounts receivable -- other..............................       443        878 
  Other current assets......................................     1,795      1,168 
                                                              --------    ------- 
          Total current assets..............................    23,083     22,936 
Fixed assets: 
  Furniture and equipment...................................    17,796     14,214 
  Leasehold improvements....................................     9,310      7,389 
                                                              --------    ------- 
                                                                27,106     21,603 
  Less accumulated depreciation and amortization............    16,693     13,798 
                                                              --------    ------- 
                                                                10,413      7,805 
Goodwill, net of amortization of $335 and $335, 
  respectively..............................................     5,590      4,519 
Other assets, net of amortization of $505 and $501, 
  respectively..............................................     1,947      1,482 
                                                              --------    ------- 
                                                              $ 41,033    $36,742 
                                                              ========    ======= 
LIABILITIES AND SHAREHOLDERS' EQUITY 
Current liabilities: 
  Accounts payable -- trade.................................  $    624    $   539 
  Accrued expenses..........................................     2,188      2,453 
  Estimated third-party payor (Medicare) settlements........        33        113 
  Notes payable.............................................         4        701 
                                                              --------    ------- 
          Total current liabilities.........................     2,849      3,806 
Notes payable -- long-term portion..........................        17         21 
Other long-term liabilities.................................       273         -- 
Convertible subordinated notes payable......................     2,333      3,000 
Minority interests in subsidiary limited partnerships.......     3,024      3,249 
Commitments and contingencies...............................        --         -- 
Shareholders' equity: 
  Preferred stock, $.01 par value, 500,000 shares 
     authorized, zero shares outstanding....................        --         -- 
  Common stock, $.01 par value, 20,000,000 shares 
     authorized, 11,818,711 and 10,688,321 shares issued at 
     December 31, 2002 and 2001, respectively...............       118        107 
  Additional paid-in capital................................    23,313     15,429 
  Retained earnings.........................................    21,608     13,120 
  Treasury stock at cost, 945,300 and 149,700 shares held at 
     December 31, 2002 and 2001, respectively...............   (12,502)    (1,990) 
                                                              --------    ------- 
          Total shareholders' equity........................    32,537     26,666 
                                                              --------    ------- 
                                                              $ 41,033    $36,742 
                                                              ========    ======= 
See notes to consolidated financial statements. 

20  

 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

CONSOLIDATED STATEMENTS OF OPERATIONS  
(IN THOUSANDS, EXCEPT PER SHARE DATA)  

                                                                 YEAR ENDED DECEMBER 31, 
                                                              ----------------------------- 
                                                               2002       2001       2000 
                                                              -------    -------    ------- 
Net patient revenues........................................  $92,343    $78,450    $60,667 
Management contract revenues................................    2,284      2,311      2,369 
Other revenues..............................................      112        187        186 
                                                              -------    -------    ------- 
Net revenues................................................   94,739     80,948     63,222 
Clinic operating costs: 
  Salaries and related costs................................   42,150     35,351     28,683 
  Rent, clinic supplies and other...........................   20,712     17,599     14,952 
  Provision for doubtful accounts...........................    1,669      1,930      1,596 
                                                              -------    -------    ------- 
                                                               64,531     54,880     45,231 
Corporate office costs......................................   11,334      9,120      7,607 
                                                              -------    -------    ------- 
Operating income............................................   18,874     16,948     10,384 
Interest expense............................................      214        266        780 
Minority interests in subsidiary limited partnerships.......    4,936      5,179      3,466 
                                                              -------    -------    ------- 
Income before income taxes..................................   13,724     11,503      6,138 
Provision for income taxes..................................    5,236      4,432      2,403 
                                                              -------    -------    ------- 
Net income..................................................  $ 8,488    $ 7,071    $ 3,735 
                                                              =======    =======    ======= 
Basic earnings per common share.............................  $  0.77    $  0.70    $  0.40 
                                                              =======    =======    ======= 
Diluted earnings per common share...........................  $  0.67    $  0.55    $  0.34 
                                                              =======    =======    ======= 

See notes to consolidated financial statements. 

21  

 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY  
(IN THOUSANDS)  

                                         COMMON STOCK     ADDITIONAL               TREASURY STOCK         TOTAL 
                                        ---------------    PAID-IN     RETAINED   -----------------   SHAREHOLDERS' 
                                        SHARES   AMOUNT    CAPITAL     EARNINGS   SHARES    AMOUNT       EQUITY 
                                        ------   ------   ----------   --------   ------   --------   ------------- 
Balance January 1, 2000...............   9,872    $ 99     $ 8,354     $ 2,314      (15)   $    (47)     $10,720 
Proceeds from exercise of stock 
  options.............................     154       1         393          --       --          --          394 
Tax benefit from exercise of stock 
  options.............................      --      --         255          --       --          --          255 
Repurchase common stock...............  (1,695)    (17)     (6,258)         --       --          --       (6,275) 
8% convertible subordinated notes 
  converted to common stock...........     217       2         732          --       --          --          734 
Net income............................      --      --          --       3,735       --          --        3,735 
                                        ------    ----     -------     -------     ----    --------      ------- 
Balance December 31, 2000.............   8,548      85       3,476       6,049      (15)        (47)       9,563 
Proceeds from exercise of stock 
  options.............................     780       8       2,271          --       --          --        2,279 
Tax benefit from exercise of stock 
  options.............................      --      --       3,134          --       --          --        3,134 
8% convertible subordinated notes 
  converted to common stock...........   1,198      12       4,005          --       --          --        4,017 
Purchase treasury stock...............      --      --          --          --     (135)     (1,943)      (1,943) 
Common stock issued in purchase of 
  minority interests..................     162       2       2,555          --       --          --        2,557 
Purchase of fractional shares on 
  three-for-two common stock split....      --      --         (12)         --       --          --          (12) 
Net income............................      --      --          --       7,071       --          --        7,071 
                                        ------    ----     -------     -------     ----    --------      ------- 
Balance December 31, 2001.............  10,688     107      15,429      13,120     (150)     (1,990)      26,666 
Proceeds from exercise of stock 
  options.............................     931       9       2,997          --       --          --        3,006 
Tax benefit from exercise of stock 
  options.............................      --      --       4,228          --       --          --        4,228 
8% convertible subordinated notes 
  converted to common stock...........     200       2         665          --       --          --          667 
Purchase treasury stock...............      --      --          --          --     (795)    (10,512)     (10,512) 
Other.................................      --      --          (6)         --       --          --           (6) 
Net income............................      --      --          --       8,488       --          --        8,488 
                                        ------    ----     -------     -------     ----    --------      ------- 
Balance December 31, 2002.............  11,819    $118     $23,313     $21,608     (945)   $(12,502)     $32,537 
                                        ======    ====     =======     =======     ====    ========      ======= 

See notes to consolidated financial statements. 

22  

 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

CONSOLIDATED STATEMENTS OF CASH FLOWS  
(IN THOUSANDS)  

                                                                YEAR ENDED DECEMBER 31, 
                                                              ---------------------------- 
                                                                2002      2001      2000 
                                                              --------   -------   ------- 
OPERATING ACTIVITIES 
Net income..................................................  $  8,488   $ 7,071   $ 3,735 
Adjustments to reconcile net income to net cash provided by 
  operating activities: 
  Depreciation and amortization.............................     2,955     2,566     2,331 
  Minority interests in earnings of subsidiary limited 
     partnerships...........................................     4,936     5,179     3,466 
  Provision for doubtful accounts...........................     1,669     1,930     1,596 
  Loss on sale of fixed assets..............................        --         3        35 
  Tax benefit from exercise of stock options................     4,228     3,134       255 
  Deferred income taxes.....................................      (319)     (351)     (294) 
Changes in operating assets and liabilities: 
  Increase in patient accounts receivable...................    (2,135)   (3,998)   (2,692) 
  Decrease (increase) in accounts receivable -- other.......       435      (426)      (68) 
  (Increase) decrease in other assets.......................      (773)     (108)      203 
  Increase (decrease) in accounts payable and accrued 
     expenses...............................................      (186)      414       378 
  Increase in other liabilities.............................       306        --        -- 
  Decrease in estimated third-party payor (Medicare) 
     settlements............................................       (80)     (242)      (84) 
                                                              --------   -------   ------- 
Net cash provided by operating activities...................    19,524    15,172     8,861 
                                                              --------   -------   ------- 
INVESTING ACTIVITIES 
Purchase of fixed assets....................................    (5,565)   (3,344)   (2,827) 
Purchase of intangibles.....................................    (1,071)      (53)      (10) 
Proceeds on sale of fixed assets............................         2        21        35 
                                                              --------   -------   ------- 
Net cash used in investing activities.......................    (6,634)   (3,376)   (2,802) 
                                                              --------   -------   ------- 
FINANCING ACTIVITIES 
Proceeds from notes payable.................................        --        --     2,115 
Payment of notes payable....................................      (701)   (1,542)   (1,253) 
Purchase of treasury stock..................................   (10,512)   (1,943)   (6,275) 
Proceeds from investment of minority investors in subsidiary 
  limited partnerships......................................        --         2        81 
Proceeds from exercise of stock options.....................     3,006     2,279       394 
Other.......................................................       (33)      (12)       (8) 
Distributions to minority investors in subsidiary limited 
  partnerships..............................................    (5,161)   (4,530)   (3,072) 
                                                              --------   -------   ------- 
Net cash used in financing activities.......................   (13,401)   (5,746)   (8,018) 
                                                              --------   -------   ------- 
Net increase (decrease) in cash and cash equivalents........      (511)    6,050    (1,959) 
Cash and cash equivalents -- beginning of year..............     8,121     2,071     4,030 
                                                              --------   -------   ------- 
Cash and cash equivalents -- end of year....................  $  7,610   $ 8,121   $ 2,071 
                                                              ========   =======   ======= 
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION 
Cash paid during the year for: 
  Income taxes..............................................  $    869   $ 1,957   $ 2,639 
  Interest..................................................  $    168   $   268   $   709 

See notes to consolidated financial statements. 

23  

 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS  
DECEMBER 31, 2002  

1. ORGANIZATION, NATURE OF OPERATIONS AND BASIS OF PRESENTATION  

U.S. Physical Therapy, Inc. and its subsidiaries (the "Company") develops, owns and operates outpatient physical and occupational therapy 
clinics. As of December 31, 2002, the Company owned and operated 202 clinics in 34 states. The clinics provide pre- and post-operative care 
and treatment for a variety of orthopedic-related disorders and sports-related injuries, treatment for neurologically-related injuries, 
rehabilitation of injured workers and preventative care. The clinics' business primarily originates from physician referrals. The principal 
sources of payment for the clinics' services are managed care programs, commercial health insurance, Medicare, workers' compensation 
insurance and proceeds from personal injury cases.  

In addition to the Company's ownership of clinics, it also manages physical therapy facilities for third parties, including physicians, with five 
such third-party facilities under management as of December 31, 2002.  

The consolidated financial statements include the accounts of U.S. Physical Therapy, Inc. and its subsidiaries. All significant intercompany 
transactions and balances have been eliminated. The Company operates through subsidiary clinic partnerships, in which the Company generally 
owns a 1% general partnership interest and a 64% limited partnership interest in the clinics. The managing therapist of each clinic owns the 
remaining limited partnership interest in the majority of the clinics. In some instances, the Company developed satellite clinic facilities as 
extensions of existing clinics, with the result that some existing clinic partnerships operate more than one clinic location.  

2. SIGNIFICANT ACCOUNTING POLICIES  

Common Stock Splits  

On January 5, 2001, the Company effected a two-for-one common stock split in the form of a 100% stock dividend to stockholders of record as 
of December 27, 2000.  

On June 28, 2001, the Company effected a three-for-two common stock split in the form of a 50% stock dividend to stockholders of record as 
of June 7, 2001.  

All share and per share information included in the accompanying consolidated financial statements and related notes have been adjusted to 
reflect these stock splits.  

Cash Equivalents  

The Company considers all highly liquid investments with an original maturity of three months or less to be cash equivalents. The Company, 
pursuant to its investment policy, invests its cash in deposits with major financial institutions, in highly rated commercial paper and short-term 
treasury and United States government agency securities. Included in cash and cash equivalents at December 31, 2001 was $4.5 million in a 
money market fund invested in short-term debt instruments issued by an agency of the U.S. Government. On December 31, 2002, the Company 
held no highly liquid investments.  

Long-Lived Assets  

Fixed assets are stated at cost. Depreciation is computed on the straight-line method over the estimated useful lives of the related assets. 
Estimated useful lives for furniture and equipment range from three to eight years. Leasehold improvements are amortized over the estimated 
useful lives of the assets or the related lease terms, whichever is shorter.  

Non-compete agreements are being amortized on a straight-line basis over their respective terms, ranging from two to seven years.  

24  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)  

Impairment of Long-Lived Assets and Long-Lived Assets to Be Disposed Of  

In October 2001, the FASB issued SFAS No. 144, "Accounting for the Impairment or Disposal of Long-Lived Assets," ("SFAS 144") which 
addresses financial accounting and reporting for the impairment or disposal of long-lived assets. While SFAS 144 supersedes SFAS No. 121, 
"Accounting for the Impairment of Long-Lived Assets and for Long-Lived Assets to Be Disposed Of," it retains many of the fundamental 
provisions of that statement. SFAS 144 also supersedes the accounting and reporting provisions of APB Opinion No. 30, "Reporting the 
Results of Operations-Reporting the Effects of Disposal of a Segment of a Business, and Extraordinary, Unusual and Infrequently Occurring 
Events and Transactions," for the disposal of a segment of a business. SFAS 144 is effective for the Company January 1, 2002. The adoption of 
SFAS 144 did not have a significant impact on the Company's financial condition or results of operations.  

The Company reviews property and equipment and intangible assets for impairment when certain events or circumstances indicate that the 
related amounts might be impaired. Also, the Company evaluates goodwill for impairment on an annual basis by comparing the fair value of its 
reporting segment units, as defined by SFAS 144, to their carrying values. For the year ended December 31, 2002, the fair value of the 
Company's reporting segment units exceeds the recorded carrying value. Assets to be disposed of are reported at the lower of the carrying 
amount or fair value less costs to sell.  

Goodwill  

Goodwill represents the excess of costs over the fair value of the acquired business's assets. In July 2001, the FASB issued SFAS No. 142, 
"Goodwill and Other Intangible Assets," ("SFAS 142"). Provisions of SFAS 142 that were effective for the Company January 1, 2002, require 
that goodwill and other intangible assets with indefinite lives no longer be amortized. SFAS 142 further requires the fair value of goodwill and 
other intangible assets with indefinite lives be tested for impairment upon adoption of this statement, annually and upon the occurrence of 
certain events and be written down to fair value if considered impaired. At December 31, 2002, the Company had approximately $5.6 million 
of unamortized goodwill. Amortization expense related to goodwill was $44,000 and $61,000 for the years ended December 31, 2001 and 
2000, respectively. In accordance with SFAS 142, the Company did not have any amortization expense related to goodwill for the year ended 
ending December 31, 2002.  

The following table reconciles previously reported net income as if SFAS 142 were in effect in 2001 and 2000. Net income excluding goodwill 
amortization expense is as follows:  

                                                             YEAR ENDED DECEMBER 31, 
                                                             ------------------------ 
                                                              2002     2001     2000 
                                                             ------   ------   ------ 
Reported net income........................................  $8,488   $7,071   $3,735 
  Add back: Goodwill amortization net of taxes.............  $   --   $   27   $   37 
                                                             ------   ------   ------ 
Adjusted net income........................................  $8,488   $7,098   $3,772 
                                                             ======   ======   ====== 
Reported basic earnings per share..........................  $ 0.77   $ 0.70   $ 0.40 
  Add back: Goodwill amortization net of taxes.............      --       --     0.01 
                                                             ------   ------   ------ 
Adjusted basic earnings per share..........................  $ 0.77   $ 0.70   $ 0.41 
                                                             ======   ======   ====== 
Reported diluted earnings per share........................  $ 0.67   $ 0.55   $ 0.34 
  Add back: Goodwill amortization net of taxes.............      --       --     0.01 
                                                             ------   ------   ------ 
Adjusted diluted earnings per share........................  $ 0.67   $ 0.55   $ 0.35 
                                                             ======   ======   ====== 

Prior to the adoption of SFAS 142, goodwill was amortized using the straight-line method over 20 years.  

25  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)  

Minority Interest  

In the majority of the Company's partnership agreements, the therapist partner begins with a 20% profit interest in his or her clinic partnership, 
which increases by 3% at the end of each year until his or her interest reaches 35%. Within the balance sheet and statement of operations the 
Company records partner therapist's profit interest in the clinic partnerships as minority interest in earning of subsidiary limited partnerships. 
The Emerging Issues Task Force ("EITF") issued EITF 00-23, "Issues Related to the Accounting for Stock Compensation under APB No. 25 
and FASB Interpretation No. 44", which provides specific accounting guidance relating to various incentive compensation issues. The 
Company has reviewed EITF 00-23 with respect to the partnerships structure and the accounting for minority interest and concluded that for 
partnerships formed after January 18, 2001, EITF 00-23 requires the Company to expense as compensation rather than as a minority interest in 
earnings, the clinic partner's interest in profits. Moreover, EITF 00-23 will also require, to clinic partnerships formed after January 18, 2001, 
that the Company expense as compensation rather than capitalizing as goodwill, the purchase of minority interest in the partnerships. At this 
time the Company operate 43 wholly owned clinics without any minority interest. It is possible that due to this recent change in accounting 
practices the Company will increase its development of non-partnership clinics, and because of the revised method of accounting for clinic 
partnerships, the Company probably will expand the number of wholly owned clinics we have.  

In accordance with the above, for the year ended December 31, 2002, the Company has classified $306,000 of the minority interest in earnings 
of subsidiary limited partnerships relating to the 26 partnerships formed after January 18, 2001, into salaries and related costs. As of December 
31, 2002, $276,000 of undistributed minority interests related to the 26 partnerships is classified as other long-term liabilities. This change in 
classification had no effect on net income at December 31, 2002. No amounts were reclassified in 2001, due to the insignificant amount of 
minority interest in the 13 partnerships formed between January 18, 2001 and December 31, 2001.  

Revenue Recognition  

Revenues are recognized in the period in which services are rendered and are reported at estimated net realizable amounts.  

Net patient revenues are reported at the estimated net realizable amounts from insurance companies, third-party payors, patients and others for 
services rendered. The Company has agreements with third-party payors that provide for payments to the Company at amounts different from 
its established rates. The Company determines allowances for doubtful accounts based on the specific agings and payor classifications at each 
clinic, and contractual adjustments based on historical experience and the terms of payor contracts. Net accounts receivable includes only those 
amounts the Company estimates to be collectible.  

Reimbursement rates for outpatient therapy services provided to Medicare beneficiaries are established pursuant to a fee schedule published by 
the Department of Health and Human Services ("HHS"). Under the Balanced Budget Act of 1997 the total amount paid by Medicare in any one 
year for outpatient physical (including speech-language pathology) or occupational therapy to any one patient is limited to $1,500, except for 
services provided in hospitals. After a three year moratorium, this financial limitation on therapy services is set to be implemented for services 
rendered on or after July 1, 2003. The total amount paid by Medicare in any one year has been adjusted up to $1,590 and the full amount will 
be available for the six month period between July 1, 2003 and December 31, 2003. Effective January 1, 2004 this financial limitation, as 
adjusted for inflation, will be an annual limit.  

Laws and regulations governing the Medicare program are complex and subject to interpretation. The Company believes that it is in 
compliance with all applicable laws and regulations and is not aware of any pending or threatened investigations involving allegations of 
potential wrongdoing that would have a material effect on the Company's financial statements as of December 31, 2002. Compliance with such 
laws and regulations can be subject to future government review and interpretation, as well as significant regulatory action including fines, 
penalties, and exclusion from the Medicare program.  

26  

 
 
 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)  

Income Taxes  

The Company is required to estimate its federal and state income tax liability as well as account for temporary differences between its tax and 
accounting treatment of some of its expenses, such as bad debt expense and amortization of leasehold improvements. The differences result in 
deferred tax assets and liabilities, which are included in the consolidated balance sheets. The Company must also assess the likelihood that 
deferred tax assets will be recovered from future taxable income, and if not recoverable, establish a valuation reserve.  

Fair Values of Financial Instruments  

The carrying amounts reported in the balance sheet for cash and cash equivalents, accounts receivable, accounts payable and notes payable -- 
current portion approximate their fair values due to the short-term maturity of these financial instruments. The fair values of the long-term 
convertible subordinated notes are based on the Company's stock price and the number of shares that would be acquired upon conversion. 
Based upon the closing price of the Company's common stock on December 31, 2002 of $11.15, the fair value of the convertible subordinated 
notes was $7.8 million.  

In preparing the Company's consolidated financial statements, management makes certain estimates and assumptions that affect the amounts 
reported in the consolidated financial statements and related disclosures. Actual results may differ from these estimates.  

Use of Estimates  

Certain reclassifications have been made to prior year amounts to conform to current year presentation.  

Reclassifications  

Stock Options  

The Company issues stock options to key employees and outside directors as described in Note 8. SFAS 123, "Accounting for Stock-Based 
Compensation," encourages, but does not require, companies to record compensation cost for stock-based employee compensation plans at fair 
value. The Company has chosen to continue to account for employee stock-based compensation using the intrinsic value method as prescribed 
in Accounting Principles Board ("APB") Opinion No. 25, "Accounting for Stock Issued to Employees," and related FASB Interpretations, 
under which no compensation cost related to stock plans has been recognized in net income for the years ended December 31, 2002, 2001 and 
2000.  

The fair value of these options was estimated at the date of grant using a Black-Scholes option pricing model. The Black-Scholes option 
valuation model was developed for use in estimating the fair value of traded options which have no vesting restrictions and are fully 
transferable. In addition, option valuation models require the input of highly subjective assumptions including the expected stock price 
volatility. Because the Company's employee stock options have characteristics significantly different from those of traded options, and because 
changes in the subjective input assumptions can materially affect the fair value estimate, in management's opinion, the existing models do not 
necessarily provide a reliable single measure of the fair value of its employee stock options.  

For purposes of pro forma disclosures, the estimated fair value of the options is amortized to expense over the options' vesting period. The pro 
forma effect on net income for 2002, 2001 and 2000 is not representative of the pro forma effect on net income in future years because it does 
not take into consideration pro forma compensation  

27  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)  

expense related to grants made prior to 1995. The Company's pro forma information follows (in thousands except for earnings per share 
information):  

                                                              2002     2001     2000 
                                                             ------   ------   ------ 
Actual net income..........................................  $8,488   $7,071   $3,735 
  Deduct: Total stock based compensation expense determined 
     under the fair value method, net of taxes.............     831      508      342 
                                                             ------   ------   ------ 
Pro forma net income.......................................  $7,657   $6,563   $3,393 
                                                             ======   ======   ====== 
Earnings per share: 
  Actual basic earnings per common share...................  $ 0.77   $ 0.70   $ 0.40 
  Actual diluted earnings per common share.................  $ 0.67   $ 0.55   $ 0.34 
  Pro forma basic earnings per common share................  $ 0.70   $ 0.65   $ 0.37 
  Pro forma diluted earnings per common share..............  $ 0.60   $ 0.51   $ 0.31 

The weighted-average fair value per share of options granted during the years ended December 31, 2002, 2001 and 2000 follows:  

                                                  DECEMBER 31,   DECEMBER 31,   DECEMBER 31, 
                                                      2002           2001           2000 
                                                  ------------   ------------   ------------ 
1992 Plan.......................................     $10.59         $9.07          $1.41 
1999 Plan.......................................     $ 8.52         $9.57          $1.89 
Inducements.....................................     $ 8.66         $7.95          $1.29 

The following weighted-average assumptions for 2002, 2001 and 2000 were used in estimating the fair value per share of the options granted 
under the stock option plans and assuming no dividends:  

                                                              2002   2001   2000 
                                                              ----   ----   ---- 
Risk-free interest rates....................................  3.83%  5.15%  5.10% 
Expected volatility.........................................  49.5%  45.9%  28.7% 
Expected life (in years)....................................     8      8      8 

Recently Promulgated Accounting Pronouncements  

In June 2001, the FASB issued SFAS No. 143, "Accounting for Asset Retirement Obligations," ("SFAS 143") which addresses financial 
accounting and reporting for obligations associated with the retirement of tangible long-lived assets and the associated asset retirement costs. 
This statement applies to all entities that have legal obligations associated with the retirement of long-lived assets that result from the 
acquisition, construction, development or normal use of the asset. SFAS 143 is effective for fiscal years beginning after June 15, 2002. The 
adoption of SFAS 143 did not have a significant impact on the Company's financial condition or results of operations.  

In April 2002, the Financial Accounting Standards Board ("FASB") issued Statement Financial Accounting Standards No. 145, "Rescission of 
FASB Statements No. 4, 44, and 64, Amendment of FASB Statements No. 13 and Technical Corrections," ("SFAS 145") which provides 
guidance for income statement classification of gains and losses on extinguishments of debt and accounting for certain lease modifications that 
have economic effects that are similar to sale-leaseback transactions. SFAS 145 is effective beginning in 2003. The Company does not expect 
the adoption of SFAS 145 to have a material impact on the Company's financial condition or results of operations.  

In June 2002, the FASB issued SFAS No. 146, "Accounting for Exit or Disposal Activities," ("SFAS 146") which addresses significant issues 
regarding the recognition, measurement, and reporting of costs that are associated with exit and disposal activities, including restructuring 
activities that are currently accounted for pursuant to the guidance set forth in EITF Issue No. 94-3, "Liability Recognition of Certain Employee 
Termination Benefits and  

28  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)  

Other Costs to Exit an Activity." SFAS 146 is effective beginning in 2003. The Company does not expect the adoption of SFAS 146 to have a 
material impact on the Company's financial condition or results of operations.  

In November 2002, the FASB issued Interpretation No. 45 ("FIN 45"), "Guarantor's Accounting and Disclosure Requirements for Guarantees, 
Including Guarantees of Indebtedness of Others." FIN 45 requires that a liability be recorded in the guarantor's balance sheet upon issuance of a 
guarantee. In addition, FIN 45 requires disclosures about the guarantees that an entity has issued, including a reconciliation of charges in the 
entity's product warranty liabilities. The initial recognition and initial measurement provision of FIN 45 are applicable on a prospective basis to 
guarantees issued or modified after December 31, 2002. The Company does not expect the adoption of FIN 45 to have a material impact on the 
Company's financial condition or results of operations.  

In December 2002, the FASB issued SFAS No. 148, "Accounting for Stock-Based Compensation -- Transition and Disclosures, an amendment 
of FASB Statement No. 123," ("SFAS 148") which provides alternative methods of transition for an entity that voluntarily changes to the fair 
value based method of accounting for stock-based employee compensation. SFAS 148 also amends certain disclosures under SFAS 123 and 
Accounting Principles Board Opinion No. 28, "Interim Financial Reporting," to require prominent disclosure about the effects on reported net 
income of an entity's accounting policy decisions with respect to stock-based employee compensation. SFAS 148 is effective for fiscal years 
ending after December 15, 2002. The Company continues to use the provisions of APB Opinion No. 25, "Accounting for Stock Issued to 
Employees" ("APB 25") to account for employee stock options and apply the disclosures required under SFAS 123.  

3. NON-CASH TRANSACTIONS  

In June 2002, $667,000 of the Series C Notes were converted by a note holder into 200,100 shares of common stock. See "Notes Payable" in 
Note 5.  

During September 2001 and December 2001 the Company purchased minority interest in two limited partnerships in the form of non-cash 
transactions. See "Acquisition of Minority Interests" in Note 4.  

4. ACQUISITION OF MINORITY INTERESTS  

On September 30, 2001, the Company purchased the 35% minority interest in a limited partnership which owns nine clinics in Michigan for 
consideration aggregating $2.1 million. At closing, the Company delivered 95,000 shares of restricted stock and a note payable for $630,000 
which was paid in October 2001. This non-cash investing and financing transaction has been excluded from the consolidated statements of cash 
flows.  

On December 31, 2001, the Company purchased the 35% minority interest in a limited partnership which owns four clinics in Michigan for 
consideration aggregating $1.5 million. At closing, the Company delivered 67,100 shares of restricted stock and a note payable for $435,000 
which was paid in January 2002. This non-cash investing and financing transaction has been excluded from the consolidated statements of cash 
flows. Additionally, as part of the purchase, the Company agreed to pay the minority partner $261,000 of undistributed earnings which was 
paid in January 2002.  

On January 31, 2002, the Company purchased a 10% minority interest in a limited partnership that owns four clinics in Michigan for $447,000. 
As part of the purchase, we paid the minority partner $65,000 in undistributed earnings.  

On June 1, 2002, the Company purchased a 35% minority interest in a limited partnership for $220,000. Additional consideration may be paid 
in the future based upon clinic performance. The Company paid the minority partner $73,000 in undistributed earnings. In July the Company 
sold 17.5% of the purchased interest to another therapist for $220,000, payable from future profits of the partnership. The Company discounted 
the note receivable by 50% and is recognizing the gain as payments are made.  

29  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)  

On June 1, 2002, the Company purchased a 5% minority interest in a limited partnership for $95,000. The Company also paid the minority 
partner $8,000 in undistributed earnings.  

On August 31, 2002, the Company purchased the 30% minority interest in a limited partnership for $244,000 cash plus forgiveness of a 
$75,000 note receivable from the minority partner. The Company also paid the minority partner $19,000 in undistributed earnings.  

On September 1, 2002, the Company purchased the 35% minority interest in a limited partnership for $54,000. Also on September 1, 2002, the 
Company purchased 65% of a speech therapy company for $26,000.  

The Company's minority interest purchases were accounted for as purchases and accordingly, the results of operations of the acquired minority 
interest percentage are included in the accompanying financial statements from the dates of purchase. In addition, the Company is permitted to 
make, and has occasionally made, changes to preliminary purchase price allocation during the first year after completing the purchase. 
Goodwill has been recognized for the amount of the excess of the purchase price paid over the fair market value of the minority interest 
acquired and accounted for in accordance with SFAS 142.  

The changes in the carrying amount of goodwill consisted of the following (in thousands):  

                                                                YEAR ENDED 
                                                               DECEMBER 31, 
                                                              --------------- 
                                                               2002     2001 
                                                              ------   ------ 
Beginning balance...........................................  $4,519   $  897 
Goodwill acquired during the year...........................   1,052    3,703 
Purchase accounting adjustments.............................      19      (37) 
Amortization expense........................................      --      (44) 
                                                              ------   ------ 
Ending balance..............................................  $5,590   $4,519 
                                                              ======   ====== 

5. NOTES PAYABLE  

In May 1994, the Company issued $3 million of 8% Convertible Subordinated Notes, Series C due June 30, 2004 (the "Series C Note"). The 
Series C Note is convertible at the option of the holder into shares of the Company common stock determined by dividing the principal amount 
of the Notes being converted by $3.33. The Series C Notes bear interest from the date of issuance at a rate of 8% per annum, payable quarterly. 
In June 2002, $667,000 of the Series C Notes were converted by a note holder into 200,100 shares of common stock. The remaining principal 
amount under the Series C Note was $2.3 million at December 31, 2002 and $3.0 million at December 31, 2001.  

The Series C Notes are unsecured and subordinated in right of payment to all other indebtedness for borrowed money incurred by the 
Company.  

In January 2001, $650,000 of an earlier series of notes was converted into 195,000 shares of common stock; at that time the Company 
exercised its right to require conversion of the remaining balance of $3.6 million of several outstanding series of notes into 1,002,500 shares of 
common stock.  

30  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)  

Notes payable as of December 31, 2002 and 2001 consist of the following (in thousands):  

                                                               2002     2001 
                                                              ------   ------ 
Promissory note with an 8% interest rate payable in equal 
  monthly installments through March 19, 2007. This note is 
  secured by one of the Company's clinics...................  $   21   $   25 
8% Convertible Subordinated Notes, Series C, due June 30, 
  2004 with interest payable quarterly......................   2,333    3,000 
Note payable for purchase of 35% minority interest in four 
  Michigan clinics..........................................      --      697 
                                                              ------   ------ 
                                                               2,354    3,722 
Less current portion........................................      (4)    (701) 
                                                              ------   ------ 
                                                              $2,350   $3,021 
                                                              ======   ====== 

Scheduled maturities as of December 31, 2002 are as follows (in thousands):  

2003........................................................   $    4
2004........................................................    2,338
2005........................................................        5
2006........................................................        5
2007........................................................        2
                                                               ------
                                                               $2,354
                                                               ======

6. RELATED PARTY TRANSACTION  

During 2001 and 2000, the Company recognized interest expense of $6,000 and $415,000, respectively, relating to Convertible Subordinated 
Notes held by directors of the Company. For the year ended December 31, 2002, the Company had no debt which was held by a director of the 
Company.  

7. INCOME TAXES  

Significant components of deferred tax assets, included in long-term other assets on the balance sheet at December 31, 2002 and 2001, were as 
follows (in thousands):  

                                                               2002     2001 
                                                              ------   ------ 
Deferred tax assets: 
  Vacation accrual..........................................  $   60   $   69 
  Allowance for doubtful accounts...........................     958      854 
  Depreciation..............................................     742      518 
                                                              ------   ------ 
Net deferred tax assets.....................................  $1,760   $1,441 
                                                              ======   ====== 

The differences between the federal tax rate and the Company's effective tax rate for the years ended December 31, 2002, 2001 and 2000 were 
as follows (in thousands):  

                                        2002               2001               2000 
                                   --------------     --------------     -------------- 
U.S. tax at statutory rate.......  $4,698   34.23%    $3,911   34.00%    $2,087   34.00% 
State income taxes...............     482    3.51%       476    4.13%       280    4.56% 
Nondeductible expenses...........      56    0.41%        45    0.40%        36    0.59% 
                                   ------   -----     ------   -----     ------   ----- 
                                   $5,236   38.15%    $4,432   38.53%    $2,403   39.15% 
                                   ======   =====     ======   =====     ======   ===== 

31  

 
 
 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)  

Significant components of the provision for income taxes for the years ended December 31, 2002, 2001 and 2000 were as follows (in 
thousands):  

                                                              2002     2001     2000 
                                                             ------   ------   ------ 
Current: 
  Federal..................................................  $4,824   $4,067   $2,273 
  State....................................................     731      716      424 
                                                             ------   ------   ------ 
Total current..............................................   5,555    4,783    2,697 
                                                             ------   ------   ------ 
Deferred: 
  Federal..................................................    (319)    (351)    (294) 
  State....................................................      --       --       -- 
                                                             ------   ------   ------ 
Total deferred.............................................    (319)    (351)    (294) 
                                                             ------   ------   ------ 
Total income tax provision.................................  $5,236   $4,432   $2,403 
                                                             ======   ======   ====== 

The Company is required to establish a valuation allowance for deferred tax assets if, based on the weight of available evidence, it is more 
likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent 
upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management 
considers the scheduled reversal of deferred tax liabilities, projected future taxable income and tax planning strategies in making this 
assessment. Based upon the level of historical taxable income and projections for future taxable income in the periods which the deferred tax 
assets are deductible, management believes that a valuation allowance is not required, as it is more likely than not that the results of future 
operations will generate sufficient taxable income to realize the deferred tax assets.  

8. STOCK OPTION PLANS  

The Company has in effect the following stock option plans:  

The 1992 Stock Option Plan, as amended (the "1992 Plan") permits the Company to grant to key employees and outside directors of the 
Company incentive and non-qualified options to purchase up to 3,495,000 shares of common stock (subject to proportionate adjustments in the 
event of stock dividends, splits, and similar corporate transactions).  

Incentive stock options (those intended to satisfy the requirements of the Internal Revenue Code) granted under the 1992 Plan are granted at an 
exercise price not less than the fair market value of the shares of common stock on the date of grant. The exercise prices of options granted 
under the 1992 Plan are determined by the Stock Option Committee. The period within which each option will be exercisable is determined by 
the Stock Option Committee (in no event may the exercise period of an incentive stock option extend beyond 10 years from the date of grant).  

The Executive Option Plan (the "Executive Plan") permits the Company to grant to any officer of the Company or its affiliates, options to 
purchase up to 255,000 shares of common stock (subject to adjustments in the event of stock dividends, splits and similar corporate 
transactions). No further grants of options will be made under the Executive Plan. The exercise prices of the options granted under the 
Executive Plan were determined by the Stock Option Committee, and in the case of both incentive and non-qualified options, could not be less 
than the greater of 175% of the fair market value of a share of common stock on the date of grant or the par value per share of the stock. The 
period within which each option is exercisable was determined by the Stock Option Committee to be ten years from the date of grant.  

The 1999 Employee Stock Option Plan (the "1999 Plan") permits the Company to grant to certain non-officer employees of the Company up to 
300,000 non-qualified options to purchase shares of common stock (subject to proportionate adjustments in the event of stock dividends, splits, 
and similar corporate transactions). The exercise  

32  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)  

prices of options granted under the 1999 Option Plan are determined by the Stock Option Committee. The period within which each option will 
be exercisable is determined by the Stock Option Committee.  

During 2002, 2001 and 2000, the Board of Directors of the Company granted Inducement options covering 10,000, 30,000 and 30,000 options, 
respectively to three individuals in connection with their offers of employment. During 2002 and 2000, 22,500 and 150,000 options were 
forfeited, respectively. The period within which each option will be exercisable is 10 years from the date of grant.  

A cumulative summary of stock options as of December 31, 2002 follows:  

                                                                                       AVAILABLE 
STOCK OPTION PLANS                AUTHORIZED   OUTSTANDING   EXERCISED   EXERCISABLE   FOR GRANT 
------------------                ----------   -----------   ---------   -----------   --------- 
1992 Plan.......................  3,495,000     1,490,858    1,789,028     758,553      215,114 
Executive Plan..................    255,000        90,000      165,000      90,000           -- 
1999 Plan.......................    300,000        78,083       13,504      20,425      208,413 
Inducements.....................     47,500        40,000        7,500          --           -- 
                                  ---------     ---------    ---------     -------      ------- 
  Totals........................  4,097,500     1,698,941    1,975,032     868,978      423,527 
                                  =========     =========    =========     =======      ======= 

A summary of the status of the Company's stock option plans as of December 31, 2002, 2001 and 2000 and the changes during the years then 
ended is presented below:  

                                                                          AVERAGE 
                                                              NUMBER OF   EXERCISE 
                                                               SHARES      PRICE 
                                                              ---------   -------- 
Outstanding at January 1, 2000..............................  2,882,025    $3.23 
  Granted...................................................    442,137     3.33 
  Exercised.................................................   (154,350)    2.71 
  Forfeited.................................................   (188,025)    2.86 
                                                              ---------    ----- 
Outstanding at December 31, 2000............................  2,981,787     3.35 
  Granted...................................................    363,825    15.37 
  Exercised.................................................   (780,142)    3.06 
  Forfeited.................................................    (29,125)    3.81 
                                                              ---------    ----- 
Outstanding at December 31, 2001............................  2,536,345     5.10 
  Granted...................................................    171,550    17.54 
  Exercised.................................................   (930,290)    3.42 
  Forfeited.................................................    (78,664)    9.85 
                                                              ---------    ----- 
Outstanding at December 31, 2002............................  1,698,941    $6.89 
                                                              =========    ===== 

33  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)  

The following tables summarize information about the Company's stock options outstanding as of December 31, 2002, 2001 and 2000, 
respectively contractual life in years):  

                                                              WEIGHTED 
                        OUTSTANDING                           AVERAGE 
                          OPTIONS                            REMAINING 
                       AS OF 12/31/02   EXERCISE PRICE    CONTRACTUAL LIFE   EXERCISABLE   EXERCISE PRICE 
                       --------------   ---------------   ----------------   -----------   -------------- 
1992 Plan............    1,490,858      $ 2.81 - $18.04         6.5            758,553     $2.81 - $16.34 
Executive Plan.......       90,000      $ 4.96 - $ 4.96         1.9             90,000     $4.96 - $ 4.96 
1999 Plan............       78,083      $ 2.81 - $16.34         7.7             20,425     $2.81 - $16.34 
Inducements..........       40,000      $13.58 - $14.75         8.4                 --                 -- 
                         ---------      ---------------         ---            -------     -------------- 
                         1,698,941      $ 2.81 - $18.04         6.4            868,978     $2.81 - $16.34 
                         =========      ===============         ===            =======     ============== 

                                                              WEIGHTED 
                        OUTSTANDING                           AVERAGE 
                          OPTIONS                            REMAINING 
                       AS OF 12/31/01   EXERCISE PRICE    CONTRACTUAL LIFE   EXERCISABLE   EXERCISE PRICE 
                       --------------   ---------------   ----------------   -----------   -------------- 
1992 Plan............    2,162,644      $ 2.08 - $16.34         6.3           1,196,746    $2.08 - $16.34 
Executive Plan.......      218,250      $ 4.23 - $ 4.96         1.9             218,250    $4.23 - $ 4.96 
1999 Plan............       95,451      $ 2.81 - $16.34         8.3              12,282    $2.81 - $ 2.81 
Inducements..........       60,000      $ 2.83 - $13.58         8.6                  --                -- 
                         ---------      ---------------         ---           ---------    -------------- 
                         2,536,345      $ 2.08 - $16.34         6.1           1,427,278    $2.08 - $16.34 
                         =========      ===============         ===           =========    ============== 

                                                              WEIGHTED 
                        OUTSTANDING                           AVERAGE 
                          OPTIONS                            REMAINING 
                       AS OF 12/31/00   EXERCISE PRICE    CONTRACTUAL LIFE   EXERCISABLE   EXERCISE PRICE 
                       --------------   ---------------   ----------------   -----------   -------------- 
1992 Plan............    2,597,037      $  2.08 - $4.15         6.4           1,085,207    $ 2.08 - $4.15 
Executive Plan.......      255,000      $  4.23 - $4.96         2.8             170,000    $ 4.23 - $4.96 
1999 Plan............       99,750      $  2.81 - $4.15         9.1                  --                -- 
Inducements..........       30,000      $  2.83 - $2.83         9.1                  --                -- 
                         ---------      ---------------         ---           ---------    -------------- 
                         2,981,787      $  2.08 - $4.96         6.2           1,255,207    $ 2.08 - $4.96 
                         =========      ===============         ===           =========    ============== 

The following table summarizes information about the Company's stock options outstanding and range of exercise prices as of December 31, 
2002:  

                                                           OUTSTANDING 
RANGE OF                                                     OPTIONS 
EXERCISE PRICES                                           AS OF 12/31/02 
---------------                                           -------------- 
$ 2.81 - $ 3.61........................................       972,364 
$ 3.61 - $ 5.41........................................       266,327 
$12.63 - $14.43........................................        30,000 
$14.43 - $16.24........................................       246,575 
$16.24 - $18.04........................................       183,675 
                                                            --------- 
                                                            1,698,941 
                                                            ========= 

In total, the Company has 2,834,868 shares which are reserved for issuance under the 1992 Stock Option Plan, the Executive Option Plan, the 
1999 Employee Stock Option Plan, two non-plan, non-qualifying option agreements and the Series C Notes.  

34  

 
 
 
 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)  

9. PREFERRED STOCK  

The Board of Directors of the Company is empowered, without approval of the stockholders, to cause shares of preferred stock to be issued in 
one or more series and to establish the number of shares to be included in each such series and the rights, powers, preferences and limitations of 
each series. There are no provisions in the Company's Articles of Incorporation specifying the vote required by the holders of preferred stock to 
take action. All such provisions would be set out in the designation of any series of preferred stock established by the Board of Directors. The 
bylaws of the Company specify that, when a quorum is present at any meeting, the vote of the holders of at least a majority of the outstanding 
shares entitled to vote who are present, in person or by proxy, shall decide any question brought before the meeting, unless a different vote is 
required by law or the Company's Articles of Incorporation. Because the Board of Directors has the power to establish the preferences and 
rights of each series, it may afford the holders of any series of preferred stock, preferences, powers, and rights, voting or otherwise, senior to 
the right of holders of common stock. The issuance of the preferred stock could have the effect of delaying or preventing a change in control of 
the Company.  

10. PURCHASE OF COMMON STOCK  

In September 2001, the Board of Directors ("Board") authorized the Company to purchase, in the open market or in privately negotiated 
transactions, up to 1,000,000 shares of its common stock. Shares purchased are held as treasury shares and may be used for such valid 
corporate purposes or retired as the Board deems advisable. During the year ended December 31, 2001, the Company purchased 135,000 shares 
of its common stock on the open market for a total of $1.9 million. During the year ending December 31, 2002, the Company purchased an 
additional 795,600 shares of its common stock on the open market for $10.5 million.  

On February 26, 2003, the Board authorized a new share repurchase program of up to 250,000 additional shares of the Company's outstanding 
common stock. As there is no expiration for this Board authorization, additional shares may be purchased from time to time in the open market 
or private transactions depending on price, availability and the Company's cash position.  

11. DEFINED CONTRIBUTION PLAN  

The Company has a 401(k) profit sharing plan covering all employees with three months of service. The Company may make discretionary 
contributions of up to 50% of employee contributions. The Company recognized no contribution expense for the years ended December 31, 
2002, 2001 and 2000.  

12. COMMITMENTS AND CONTINGENCIES  

Operating Leases  

The Company has entered into operating leases for its executive offices and clinic facilities. In connection with these agreements, the Company 
incurred rent expense of $6.4 million, $5.4 million and $4.5 million for the years ended December 31, 2002, 2001 and 2000, respectively. 
Several of the leases provide for an annual increase in the rental payment based upon the Consumer Price Index. The majority of the leases 
provide for renewal periods ranging from one to five years. The agreements to extend the leases specify that rental rates would be adjusted to 
market rates as of each renewal date.  

35  

 
 
 
 
 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)  

The future minimum lease commitments for the next five years and in the aggregate as of December 31, 2002 are as follows (in thousands):  

2003........................................................   $ 6,248
2004........................................................     5,555
2005........................................................     5,118
2006........................................................     3,676
2007........................................................     2,386
Thereafter..................................................     1,780
                                                               -------
                                                               $24,763
                                                               =======

Employment Agreements  

At December 31, 2002, the Company had an outstanding employment agreement with one of its executive officers for $250,000 annually, 
subject to adjustment to reflect positive performance, for a term extending through February 2004. The Company also had an outstanding 
consulting agreement with one of its directors for $95,000 annually for a term extending through May 2006.  

In addition, the Company has outstanding employment agreements with the managing physical therapist partners of the Company's physical 
therapy clinics and with certain other clinic employees which obligate subsidiaries of the Company to pay compensation of $3.3 million in 
2003 and $1 million in the aggregate from 2004 through 2006. In addition, each employment agreement with the managing physical therapists 
provides for monthly bonus payments calculated as a percentage of each clinic's net revenues (not in excess of operating profits) or operating 
profits. The Company recognized salaries and bonus expense for the managing physical therapists of $14.8 million, $12.3 million and $9.6 
million for the years ended December 31, 2002, 2001 and 2000, respectively.  

Each employment agreement provides that the Company has the right to purchase the limited partnership interest in the clinic partnership for 
the amount of the partner's capital account upon termination of employment with the clinic partnership before the expiration of the initial term 
of employment. The employment agreements contain no provisions requiring the purchase by the Company of the therapist partner's interest in 
the clinic partnership in the event of death or disability, or after the initial term of employment. In addition, the employment agreements 
generally include non-competition and non-solicitation provisions which extend through the term of the agreement and for one to two years 
thereafter.  

36  

 
 
 
 
 
 
 
 
 
 
 
 
 
U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS -- (CONTINUED)  

13. EARNINGS PER SHARE  

The computation of basic and diluted earnings per share for the years ended December 31, 2002, 2001 and 2000 are as follows (in thousands, 
except per share data)  

                                                               2002      2001      2000 
                                                              -------   -------   ------- 
Numerator: 
  Net income................................................  $ 8,488   $ 7,071   $ 3,735 
                                                              -------   -------   ------- 
  Numerator for basic earnings per share....................    8,488     7,071     3,735 
  Effect of dilutive securities: 
     Interest on convertible subordinated notes payable.....      140       165       466 
                                                              -------   -------   ------- 
  Numerator for diluted earnings per share-income available 
     to common stockholders after assumed conversions.......  $ 8,628   $ 7,236   $ 4,201 
                                                              =======   =======   ======= 
Denominator: 
  Denominator for basic earnings per 
     share -- weighted-average shares.......................   10,975    10,109     9,230 
  Effect of dilutive securities: 
     Stock options..........................................    1,226     2,025       717 
     Convertible subordinated notes payable.................      734       934     2,282 
                                                              -------   -------   ------- 
  Dilutive potential common shares..........................    1,960     2,959     2,999 
                                                              -------   -------   ------- 
  Denominator for diluted earnings per share -- adjusted 
     weighted-average shares and assumed conversions........   12,935    13,068    12,229 
                                                              =======   =======   ======= 
Basic earnings per common share.............................  $  0.77   $  0.70   $  0.40 
                                                              =======   =======   ======= 
Diluted earnings per common share...........................  $  0.67   $  0.55   $  0.34 
                                                              =======   =======   ======= 

14. SELECTED QUARTERLY FINANCIAL DATA (UNAUDITED)  

                                                                         2002 
                                                         ------------------------------------- 
                                                           Q1        Q2        Q3        Q4 
                                                         -------   -------   -------   ------- 
                                                         (IN THOUSANDS, EXCEPT PER SHARE DATA) 
Net revenues...........................................  $21,636   $23,449   $23,232   $24,026 
Income before income taxes.............................  $ 3,353   $ 3,786   $ 3,284   $ 3,301 
Net income.............................................  $ 2,076   $ 2,336   $ 2,018   $ 2,058 
Earnings per common share: 
  Basic................................................  $  0.19   $  0.21   $  0.18   $  0.19 
  Diluted..............................................  $  0.16   $  0.18   $  0.16   $  0.17 

                                                                         2001 
                                                         ------------------------------------- 
                                                           Q1        Q2        Q3        Q4 
                                                         -------   -------   -------   ------- 
                                                         (IN THOUSANDS, EXCEPT PER SHARE DATA) 
Net revenues...........................................  $18,930   $19,866   $20,582   $21,570 
Income before income taxes.............................  $ 2,466   $ 2,900   $ 2,965   $ 3,172 
Net income.............................................  $ 1,512   $ 1,787   $ 1,825   $ 1,947 
Earnings per common share: 
  Basic................................................  $  0.15   $  0.18   $  0.18   $  0.19 
  Diluted..............................................  $  0.12   $  0.14   $  0.14   $  0.15 

37  

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

Not applicable.  

ITEM 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT.  

PART III  

The information required by Items 401 and 405 of Regulation S-K is omitted from this Report as the Company intends to file its definitive 
annual meeting proxy materials within 120 days after its fiscal year-end and the information to be included therein in response to such Items is 
incorporated herein by reference.  

ITEM 11. EXECUTIVE COMPENSATION.  

The information required by Item 402 of Regulation S-K is omitted from this Report as the Company intends to file its definitive annual 
meeting proxy materials within 120 days after its fiscal year-end and the information to be included therein in response to such Item is 
incorporated herein by reference.  

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

For information required by Item 201(d) of Regulation S-K, see "Market for Common Equity and Related Stockholder Matters -- Equity 
Compensation Plan Information" in Item 5. The information required by Item 403 of Regulation S-K is omitted from this Report as the 
Company intends to file its definitive annual meeting proxy materials within 120 days after its fiscal year-end and the information to be 
included therein in response to such Item is incorporated herein by reference.  

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS.  

The information required by Item 404 of Regulation S-K is omitted from this Report as the Company intends to file its definitive annual 
meeting proxy materials within 120 days after its fiscal year-end and the information to be included therein in response to such Item is 
incorporated herein by reference.  

ITEM 14. CONTROL AND PROCEDURES.  

(a) Evaluation of Disclosure Controls and Procedures  

PART IV  

Within 90 days prior to the filing date of this report, we carried out an evaluation, under the supervision and with the participation of our 
principal executive officer and principal financial officer, of the effectiveness of the design and operation of our disclosure controls and 
procedures. Based on this evaluation, our principal executive officer and principal financial officer concluded that our disclosure controls and 
procedures provide reasonable assurance that material information required to be included in our periodic SEC reports is recorded, processed, 
summarized and reported within the time periods specified in the relevant SEC rules and forms.  

(b) Changes in Internal Controls  

In addition, we reviewed our internal controls, and there have been no significant changes in our internal controls or in other factors that could 
significantly affect those controls subsequent to the date of their last evaluation.  

ITEM 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM 8-K.  

(a)(1) The following consolidated financial statements of U.S. Physical Therapy, Inc. and subsidiaries are included in Item 8:  

Consolidated Balance Sheets -- December 31, 2002 and 2001  

Consolidated Statements of Operations -- years ended December 31, 2002, 2001 and 2000  

38  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated Statements of Shareholders' Equity -- years ended December 31, 2002, 2001 and 2000  

Consolidated Statements of Cash Flows -- years ended December 31, 2002, 2001 and 2000  

(2) The following consolidated financial statement schedule of U.S. Physical Therapy, Inc. is included in Item 15(d):  

Notes to Consolidated Financial Statements -- December 31, 2002  

Schedule II -- Valuation and Qualifying Accounts  

All other schedules for which provision is made in the applicable accounting regulation of the Securities and Exchange Commission are not 
required under the related instructions or are inapplicable and therefore have been omitted.  

(3) List of Exhibits  

EXHIBIT 
  NO.                             DESCRIPTION 
-------                           ----------- 
 3.1      Articles of Incorporation of the Company (filed as an 
          exhibit to the Company's Form 10-Q for the quarterly period 
          ended June 30, 2001 and incorporated herein by reference). 
 3.2      Amendment to the Articles of Incorporation of the Company 
          (filed as an exhibit to the Company's Form 10-Q for the 
          quarterly period ended June 30, 2001 and incorporated herein
          by reference). 
 3.3      Bylaws of the Company, as amended (filed as an exhibit to 
          the Company's Form 10-KSB for the year ended December 31, 
          1993 and incorporated herein by reference). 
10.1      Form of 8% Convertible Subordinated Notes, Series C (filed 
          as an exhibit to the Company's Form 8-K dated May 5, 1994 
          and incorporated herein by reference). 
10.2      Registration Agreement for Series C Notes (filed as an 
          exhibit to the Company's Form 8-K dated May 5, 1994 and 
          incorporated herein by reference). 
10.3+     1992 Stock Option Plan, as amended (filed as an exhibit to 
          the Company's Form 10-Q for the quarterly period ended June 
          30, 2001 and incorporated herein by reference). 
10.4+     Executive Option Plan (filed as an exhibit to the Company's 
          Registration Statement on Form S-8 (33-63444) and 
          incorporated herein by reference). 
10.5+     1999 Employee Stock Option Plan (filed as an exhibit to the 
          Company's Form 10-K for the year ended December 31, 1999 and
          incorporated herein by reference). 
10.6+     Second Amended and Restated Employment Agreement between the
          Company and Roy W. Spradlin (filed as an exhibit to the 
          Company's Form 10-Q for the quarterly period ended June 30, 
          2001 and incorporated herein by reference). 
10.7+     Non-Statutory Stock Option Agreement dated February 17, 2000
          (filed as an exhibit to the Company's Form 10-Q for the 
          quarterly period ended June 30, 2001 and incorporated herein
          by reference). 
10.8+     Non-Statutory Stock Option Agreement dated February 7, 2001 
          (filed as an exhibit to the Company's Form 10-Q for the 
          quarterly period ended June 30, 2001 and incorporated herein
          by reference.) 
10.9+     Consulting agreement between the Company and J. Livingston 
          Kosberg (filed as an exhibit to the Company's Form 10-Q for 
          the quarterly period ended June 30, 2001 and incorporated 
          herein by reference). 
10.10+    Non-Statutory Stock Option Agreement dated February 26, 2002
          (filed as an exhibit to the Company's S-8 dated February 10,
          2003 and incorporated herein by reference.) 
10.11     Partnership Interest Purchase Agreement between the Company 
          and John Cascardo (filed as an exhibit to the Company's Form
          10-Q for the quarterly period ended September 30, 2001 and 

 
 
 
 
 
 
 
 
          incorporated herein by reference). 
10.12*    First Amendment to the Consulting Agreement between the 
          Company and J. Livingston -- Kosberg 
10.13*    First Amendment to Second Amended and Restated Employment 
          Agreement between the Company and Roy W. Spradlin 
21*       Subsidiaries of the Registrant 
23.1*     Consent of KPMG LLP 
99.1*     Certification of Periodic Report 

* Filed herewith  

+ Management contract or compensatory plan or arrangement.  

39  

 
 
 
 
 
(b) Reports on Form 8-K  

No reports on Form 8-K were filed with the Securities and Exchange Commission during the quarter ended December 31, 2002.  

40  

 
 
 
ITEM 15. (d)  

SCHEDULE II -- VALUATION AND QUALIFYING ACCOUNTS  

U.S. PHYSICAL THERAPY, INC. AND SUBSIDIARIES  
(AMOUNTS IN THOUSANDS)  

                 COL. A                      COL. B             COL. C              COL. D        COL. E 
-----------------------------------------  ----------   -----------------------   -----------   ---------- 
                                                               ADDITIONS 
                                                        ----------------------- 
                                           BALANCE AT   CHARGED TO   CHARGED TO                 BALANCE AT 
                                           BEGINNING    COSTS AND      OTHER      DEDUCTIONS-     END OF 
               DESCRIPTION                 OF PERIOD     EXPENSES     ACCOUNTS     DESCRIBE       PERIOD 
               -----------                 ----------   ----------   ----------   -----------   ---------- 
YEAR ENDED DECEMBER 31, 2002: 
  Reserves and allowances deducted from 
     asset accounts: 
     Allowance for uncollectible 
       accounts..........................    $3,805       $1,669          --        $1,147(1)     $4,327 
YEAR ENDED DECEMBER 31, 2001: 
  Reserves and allowances deducted from 
     asset accounts: 
     Allowance for uncollectible 
       accounts..........................    $2,780       $1,930          --        $  905(1)     $3,805 
YEAR ENDED DECEMBER 31, 2000: 
  Reserves and allowances deducted from 
     asset accounts: 
     Allowance for uncollectible 
       accounts..........................    $2,014       $1,596          --        $  830(1)     $2,780 

(1) Uncollectible accounts written off, net of recoveries.  

41  

 
 
 
 
 
 
 
 
 
 
In accordance with Section 13 or 15(d) of the Exchange Act, the registrant caused this report to be signed on its behalf by the undersigned, 
thereunto duly authorized.  

SIGNATURES  

U.S. PHYSICAL THERAPY, INC.  
(Registrant)  

By:     /s/ J. MICHAEL MULLIN 
 -----------------------------------
         J. Michael Mullin, 
       Chief Financial Officer 
      (principal financial and 
         accounting officer) 

Date: March 31, 2003  

In accordance with the Exchange Act, this report has been signed below by the following persons on behalf of the registrant and in the 
capacities as of the date indicated above.  

              By: /s/ ROY W. SPRADLIN                               By: /s/ MARK J. BROOKNER 
--------------------------------------------------     -------------------------------------------------- 
                 Roy W. Spradlin,                                       Mark J. Brookner, 
  Chairman, President and Chief Executive Officer                  Vice Chairman of the Board 
           (principal executive officer) 

              By: /s/ JAMES B. HOOVER                                By: /s/ ALBERT L. ROSEN 
--------------------------------------------------     -------------------------------------------------- 
                 James B. Hoover,                                       Albert L. Rosen, 
                     Director                                               Director 

            By: /s/ MARLIN W. JOHNSTON                              By: /s/ DANIEL C. ARNOLD 
--------------------------------------------------     -------------------------------------------------- 
                Marlin W. Johnston,                                     Daniel C. Arnold, 
                     Director                                               Director 

            By: /s/ BRUCE D. BROUSSARD 
-------------------------------------------------- 
                Bruce D. Broussard, 
                     Director 

42  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
I, Roy Spradlin, certify that:  

1. I have reviewed this annual report on Form 10-K of U.S. Physical Therapy, Inc.;  

CERTIFICATIONS  

2. Based on my knowledge, this annual report does not contain any untrue statement of a material fact or omit to state a material fact necessary 
to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period 
covered by this annual report;  

3. Based on my knowledge, the financial statements, and other financial information included in this annual report, fairly present in all material 
respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this annual report;  

4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined 
in Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:  

a) designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated 
subsidiaries, is made known to us by others within those entities, particularly during the period in which this annual report is being prepared;  

b) evaluated the effectiveness of the registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this 
annual report (the "Evaluation Date"); and  

c) presented in this annual report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as 
of the Evaluation Date;  

5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation, to the registrant's auditors and the audit 
committee of registrant's board of directors (or persons performing the equivalent functions):  

a) all significant deficiencies in the design or operation of internal controls which could adversely affect the registrant's ability to record, 
process, summarize and report financial data and have identified for the registrant's auditors any material weaknesses in internal controls; and  

b) any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal 
controls; and  

6. The registrant's other certifying officer and I have indicated in this annual report whether there were significant changes in internal controls 
or in other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective 
actions with regard to significant deficiencies and material weaknesses.  

           /s/ ROY SPRADLIN 
--------------------------------------
             ROY SPRADLIN 
    Chairman, President and Chief 
          Executive Officer 
    (principal executive officer) 

Date: March 31, 2003  

43  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
I, J. Michael Mullin, certify that:  

1. I have reviewed this annual report on Form 10-K of U.S. Physical Therapy, Inc.;  

CERTIFICATIONS  

2. Based on my knowledge, this annual report does not contain any untrue statement of a material fact or omit to state a material fact necessary 
to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period 
covered by this annual report;  

3. Based on my knowledge, the financial statements, and other financial information included in this annual report, fairly present in all material 
respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this annual report;  

4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined 
in Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:  

a) designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated 
subsidiaries, is made known to us by others within those entities, particularly during the period in which this annual report is being prepared;  

b) evaluated the effectiveness of the registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this 
annual report (the "Evaluation Date"); and  

c) presented in this annual report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as 
of the Evaluation Date;  

5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation, to the registrant's auditors and the audit 
committee of registrant's board of directors (or persons performing the equivalent functions):  

a) all significant deficiencies in the design or operation of internal controls which could adversely affect the registrant's ability to record, 
process, summarize and report financial data and have identified for the registrant's auditors any material weaknesses in internal controls; and  

b) any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal 
controls; and  

6. The registrant's other certifying officer and I have indicated in this annual report whether there were significant changes in internal controls 
or in other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective 
actions with regard to significant deficiencies and material weaknesses.  

        /s/ J. MICHAEL MULLIN 
--------------------------------------
          J. Michael Mullin 
       Chief Financial Officer 
 (principal financial and accounting 
               officer) 

Date: March 31, 2003  

44  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
INDEX OF EXHIBITS  

EXHIBIT NO.       DESCRIPTION 
-----------       ----------- 
 3.1      Articles of Incorporation of the Company (filed as an 
          exhibit to the Company's Form 10-Q for the quarterly period 
          ended June 30, 2001 and incorporated herein by reference). 
 3.2      Amendment to the Articles of Incorporation of the Company 
          (filed as an exhibit to the Company's Form 10-Q for the 
          quarterly period ended June 30, 2001 and incorporated herein
          by reference). 
 3.3      Bylaws of the Company, as amended (filed as an exhibit to 
          the Company's Form 10-KSB for the year ended December 31, 
          1993 and incorporated herein by reference). 
10.1      Form of 8% Convertible Subordinated Notes, Series C (filed 
          as an exhibit to the Company's Form 8-K dated May 5, 1994 
          and incorporated herein by reference). 
10.2      Registration Agreement for Series C Notes (filed as an 
          exhibit to the Company's Form 8-K dated May 5, 1994 and 
          incorporated herein by reference). 
10.3+     1992 Stock Option Plan, as amended (filed as an exhibit to 
          the Company's Form 10-Q for the quarterly period ended June 
          30, 2001 and incorporated herein by reference). 
10.4+     Executive Option Plan (filed as an exhibit to the Company's 
          Registration Statement on Form S-8 (33-63444) and 
          incorporated herein by reference). 
10.5+     1999 Employee Stock Option Plan (filed as an exhibit to the 
          Company's Form 10-K for the year ended December 31, 1999 and
          incorporated herein by reference). 
10.6+     Second Amended and Restated Employment Agreement between the
          Company and Roy W. Spradlin (filed as an exhibit to the 
          Company's Form 10-Q for the quarterly period ended June 30, 
          2001 and incorporated herein by reference). 
10.7+     Non-Statutory Stock Option Agreement dated February 17, 2000
          (filed as an exhibit to the Company's Form 10-Q for the 
          quarterly period ended June 30, 2001 and incorporated herein
          by reference). 
10.8+     Non-Statutory Stock Option Agreement dated February 7, 2001 
          (filed as an exhibit to the Company's Form 10-Q for the 
          quarterly period ended June 30, 2001 and incorporated herein
          by reference.) 
10.9+     Consulting agreement between the Company and J. Livingston 
          Kosberg (filed as an exhibit to the Company's Form 10-Q for 
          the quarterly period ended June 30, 2001 and incorporated 
          herein by reference). 
10.10+    Non-Statutory Stock Option Agreement dated February 26, 2002
          (filed as an exhibit to the Company's S-8 dated February 10,
          2003 and incorporated herein by reference.) 
10.11     Partnership Interest Purchase Agreement between the Company 
          and John Cascardo (filed as an exhibit to the Company's Form
          10-Q for the quarterly period ended September 30, 2001 and 
          incorporated herein by reference). 
10.12*    First Amendment to the Consulting Agreement between the 
          Company and J. Livingston -- Kosberg 
10.13*    First Amendment to Second Amended and Restated Employment 
          Agreement between the company and Roy W. Spradlin 
21*       Subsidiaries of the Registrant 
23.1*     Consent of KPMG LLP 
99.1*     Certification of Periodic Report 

* Filed herewith  

+ Management contract or compensatory plan or arrangement.  

 
 
 
 
 
 
EXHIBIT 10.12  

FIRST AMENDMENT TO CONSULTING AGREEMENT  

THIS FIRST AMENDMENT TO CONSULTING AGREEMENT ("Amendment"), effective as of the 15 day of November, 2002, is by and 
between U.S. Physical Therapy, Inc. ("Company"), a Nevada corporation, and J. Livingston Kosberg ("Consultant").  

1. Consultant and Company are parties to a Consulting Agreement dated as of March 1, 2001. Consultant and Company agree to amend the 
Consulting Agreement as provided herein.  

2. The rate of compensation set forth in Section 3 of the Consulting Agreement shall be changed from Ninety-Five Thousand Dollars 
($95,000.00) to Eighty-Seven Thousand and Eight Hundred Dollars ($87,800.00) per year.  

3. The last sentence of Section 4 is amended to extend the date until which Consultant is entitled to receive health insurance benefits from 
Company and add new provisions concerning the type of health insurance coverage that must be provided to the Consultant. The new sentence 
shall read as follows: "The health insurance to be provided by the Company pursuant to this Agreement (to the extent it is reasonably available 
on commercial terms) shall be pursuant to a "preferred provider plan"; it shall be primary coverage for the insured and not secondary to any 
other health insurance coverage (including Medicare or similar coverage); and such insurance shall be equal to or better than that provided to 
the senior management of the Company and its successors. After the expiration of the term of this Agreement, at Consultant's request and at his 
cost and expense, the Company shall make available to the Consultant, to the extent it is reasonably available on commercial terms, the above-
described health insurance coverage to Consultant and his family as required by this  
Section 4 until the earlier of (i) the date of Consultant's 75th birthday, or  
(ii) the date on which there are no longer any persons surviving who are entitled to such coverage hereunder regardless of the termination of 
this Agreement for any cause. Notwithstanding any other provision to the contrary, the expense of providing such insurance, which is defined 
as the expense that the company records on its books for any employee or family member, as the case may be, before any payroll deductions, 
after the term hereof, shall be paid for by the Consultant, who shall be billed for such costs (without markup) and shall pay for same within 
thirty (30) days of receipt of an invoice therefore."  

4. Section 11(h) is amended to add Company's obligations in Section 4 to the survival clause. This Section 11(h) will now read as follows: "No 
termination of this Agreement or of Consultant's work hereunder, for whatever reason, shall relieve Consultant of or release Consultant from 
the obligations set forth in Sections 4, 8, 9 and 10 of this Agreement, which shall survive such termination. No termination of this Agreement, 
except for a voluntary termination by Consultant (not by reason of Disability or death) or the termination of Consultant for cause, shall relieve 
Company of or release Company from the obligations set forth in Section 4 of this Agreement, which shall survive such termination."  

This Amendment is effective only for the specific purposes set forth herein, and except as modified by this Amendment, the Consulting 
Agreement shall continue in full force and effect.  

IN WITNESS WHEREOF, the parties hereto have executed this Amendment effective as of the date first written above.  

U.S. PHYSICAL THERAPY, INC.  

By: /s/ Roy Spradlin 
    ---------------------------------

Roy Spradlin 
President and Chief Executive Officer

CONSULTANT  

/s/ J. Livingston Kosberg 
-------------------------------------
J. Livingston Kosberg 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
EXHIBIT 10.13  

FIRST AMENDMENT TO SECOND AMENDED AND RESTATED EMPLOYMENT AGREEMENT  

THIS FIRST AMENDMENT TO SECOND AMENDED AND RESTATED EMPLOYMENT AGREEMENT ("Amendment"), effective as of 
the 31 day of December, 2002, is by and between U.S. Physical Therapy, Inc. ("Company"), a Nevada corporation, and Roy Spradlin 
("Employee").  

1. Employee and Company are parties to a Second Amended and Restated Employment Agreement ("Agreement") dated as of February 21, 
2001. Employee and Company agree to amend the Agreement as provided herein.  

2. The following language is added to Section 8 to extend the date until which Employee is entitled to receive health insurance benefits from 
Company and add new provisions concerning the type of health insurance coverage that must be provided to the Employee. The new sentence 
shall read as follows:  
"The health insurance to be provided by the Company pursuant to this Agreement (to the extent it is reasonably available on commercial terms) 
shall be pursuant to a "preferred provider plan"; it shall be primary coverage for the insured and not secondary to any other health insurance 
coverage (including Medicare or similar coverage); and such insurance shall be equal to or better than that provided to the senior management 
of the Company and its successors. After the expiration of the term of this Agreement, at Employee's request and at his cost and expense, the 
Company shall make available to the Employee to the extent it is reasonably available on commercial terms the above-described health 
insurance coverage to Employee and his family as required by this Section 8 until the earlier of (i) the date of Employee's 75th birthday, or (ii) 
the date on which there are no longer any persons surviving who are entitled to such coverage hereunder regardless of the termination of this 
Agreement for any cause. Notwithstanding any other provision to the contrary, (a) the expense of providing such insurance, which is defined as 
the expense that the company records on its books for any employee or family member, as the case may be, before any payroll deductions, after 
the term hereof, shall be paid for by the Employee, who shall be billed for such costs (without markup) and shall pay for same within thirty (30) 
days of receipt of an invoice therefore, and (b) should the Employee, after the termination of his employment with the Company, be provided 
health insurance benefits by a new employer, the Company's obligations to provide post-employment health insurance to Employee pursuant to 
the provisions of this Section 8 shall cease."  

3. This Amendment is effective only for the specific purposes set forth herein, and except as modified by this Amendment, the Agreement shall 
continue in full force and effect.  

IN WITNESS WHEREOF, the parties hereto have executed this Amendment effective as of the date first written above.  

U.S. PHYSICAL THERAPY, INC.  

By: /s/ J. Michael Mullin 
    ----------------------------
Title: CFO 
       -------------------------
Date:  12/31/2002 
       -------------------------

EMPLOYEE  

/s/ Roy Spradlin 
--------------------------------
Roy Spradlin 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
.  

.  
EXHIBIT 21  

SUBSIDIARIES OF THE REGISTRANT  

                                                                                                 STATE OF 
NAME OF                                                         TYPE OF                        INCORPORATION 
SUBSIDIARY                                                      ENTITY                         OR FORMATION 
----------                                                      ------                         ------------ 
U.S. PT - Delaware, Inc.                                      Corporation                          Delaware 
U.S. Therapy, Inc. dba The 
    Facilities Group, Inc.                                    Corporation                          Texas 
National Rehab GP, Inc.                                       Corporation                          Texas 
National Rehab Delaware, Inc.                                 Corporation                          Delaware 
U.S. PT - Michigan, Inc.                                      Corporation                          Delaware 
HH Rehab Associates, Inc. dba 
    Genesee Valley Physical Therapy 
    dba Theramax Physical Therapy                             Corporation                          Michigan 
    dba Rebound Physical Therapy                              Corporation                          Michigan 
Professional Rehab Services, Inc. 
    dba Northwoods Physical Therapy 
    dba Thibodeau Physical Therapy 
    dba Evergreen Physical Therapy                            Corporation                          Michigan 
U.S. Physical Therapy, Ltd.                                   Limited Partnership                  Texas 
U.S. PT Management, Ltd.                                      Limited Partnership                  Texas 
National Rehab Management 
    GP, Inc.                                                  Corporation                          Texas 
Rehab Partners #1, Inc.                                       Corporation                          Texas 
Rehab Partners #2, Inc.                                       Corporation                          Texas 
Rehab Partners #3, Inc.                                       Corporation                          Texas 
Rehab Partners #4, Inc.                                       Corporation                          Texas 
Rehab Partners #5, Inc.                                       Corporation                          Texas 
Rehab Partners #6, Inc.                                       Corporation                          Texas 
U.S. PT Payroll, Inc. (formerly 
    Rehab Partners #7, Inc.)                                  Corporation                          Texas 
Rehab Partners Acquisition 
    #1, Inc.                                                  Corporation                          Texas 
U.S. PT Therapy Services, Inc. 
    (formerly U.S. Surgical 
    Partners, Inc.) dba Cornerstone 
    Physical Therapy                                          Corporation                          Delaware 
US PT Therapy Services Inc. dba 
  Waco Sports Medicine and Rehabilitation                     Corporation                          Texas 
U.S. Surgical Partners #1, Inc.                               Corporation                          Texas 
Effingham Ambulatory Surgery 
    Center, L.P. (formerly U.S. 
    Surgical Partners of College 
    Park, Limited Partnership                                 Limited Partnership                  Texas 
U.S. Surgical Partners #2, Inc.                               Corporation                          Texas 
Midland Surgical Partners, Ltd.                               Limited Partnership                  Texas 
U.S. PT Turnkey Services, Inc. 
   (formerly Surgical Management 
    GP, Inc.                                                  Corporation                          Texas 
U.S. Surgical Partners 
   Management, Ltd.                                           Limited Partnership                  Texas 
Southeastern Hand Rehabilitation, 
   Inc. dba Reist Hand Therapy 
   dba Achieve Physical Therapy                               Corporation                          Florida 
Action Physical Therapy 
    Clinic, Ltd.                                              Limited Partnership                  Texas 
Cypresswood Physical 
    Therapy Centre, Ltd.                                      Limited Partnership                  Texas 
Progressive Physical 
    Therapy Clinic, Ltd.                                      Limited Partnership                  Texas 
Virginia Parc Physical 
    Therapy, Ltd. dba 
    McKinney Physical Therapy 
    Associates                                                Limited Partnership                  Texas 
Dearborn Physical Therapy, 
    Ltd. dba Advanced 
    Physical Therapy                                          Limited Partnership                  Texas 
Saline Physical Therapy of 
    Michigan, Ltd. dba Physical 
    Therapy in Motion                                         Limited Partnership                  Texas 

 
 
 
                                                                                                 STATE OF 
NAME OF                                                         TYPE OF                        INCORPORATION 
SUBSIDIARY                                                      ENTITY                         OR FORMATION 
----------                                                      ------                         ------------ 
R. Clair Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Roepke Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Merrill Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Joan Ostermeier Physical 
    Therapy, Limited 
    Partnership dba Sport & 
    Spine Clinic of Wittenberg                                Limited Partnership                  Texas 
Crossroads Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Kelly Lynch Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
U.S. PT Michigan #1, Limited 
    Partnership                                               Limited Partnership                  Texas 
Spracklen Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Bosque River Physical Therapy 
   and Rehabilitation, Limited 
   Partnership                                                Limited Partnership                  Texas 
Frisco Physical Therapy, Limited 
   Partnership                                                Limited Partnership                  Texas 
Spinal Therapy Institute, 
   Limited Partnership                                        Limited Partnership                  Texas 
Sport & Spine Clinic of Fort 
   Atkinson, Limited Partnership                              Limited Partnership                  Texas 
Sport & Spine Clinic of 
   Auburndale, Limited Partnership                            Limited Partnership                  Texas 
Back in Balance, Limited 
   Partnership                                                Limited Partnership                  Texas 
Kingwood Physical Therapy, Ltd.                               Limited Partnership                  Texas 
Enid Therapy Center, 
    Limited Partnership                                       Limited Partnership                  Texas 
Town & Country Physical Therapy 
    Limited Partnership                                       Limited Partnership                  Texas 
Spectrum Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Southwind Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Genesis Rehabilitation and 
    Sports Center - Jackson, 
    Limited Partnership dba 
    Genesis Physical Therapy Group                            Limited Partnership                  Texas 
Cleveland Physical Therapy, Ltd.                              Limited Partnership                  Texas 
Aquatic and Orthopedic Rehab 
    Specialists, Limited 
    Partnership dba Oceanside 
    Physical Therapy                                          Limited Partnership                  Texas 
Vileno Therapy of Treasure 
    Coast, Limited Partnership                                Limited Partnership                  Texas 
Comprehensive Hand & Physical 
    Therapy, Limited Partnership                              Limited Partnership                  Texas 
Gulfwinds Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Safety Harbor Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Hands Plus Therapy Center, 
    Limited Partnership                                       Limited Partnership                  Texas 
South Tulsa Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 

 
 
 
 
                                                                                                 STATE OF 
NAME OF                                                         TYPE OF                        INCORPORATION 
SUBSIDIARY                                                      ENTITY                         OR FORMATION 
----------                                                      ------                         ------------ 
Hands On Therapy, Limited 
    Partnership                                               Limited Partnership                  Texas 
U.S. PT Michigan #2, Limited 
    Partnership                                               Limited Partnership                  Texas 
Tupelo Hand Rehabilitation, 
    Limited Partnership                                       Limited Partnership                  Texas 
The Hale Hand Center, 
    Limited Partnership                                       Limited Partnership                  Texas 
Sooner Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Arrow Physical Therapy, Limited 
    Partnership dba Broken Arrow 
    Physical Therapy                                          Limited Partnership                  Texas 
Achieve Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Melbourne Physical Therapy 
    Specialists, Limited Partnership                          Limited Partnership                  Texas 
Maine Physical Therapy, 
    Limited Partnership dba 
    Maine Physical Therapy                                    Limited Partnership                  Texas 
Brentwood Physical Therapy, 
    Limited Partnership (clinic 
    sold 12/31/01)                                            Limited Partnership                  Texas 
Saginaw Valley Sport and Spine, 
    Limited Partnership dba Saginaw 
    Valley Sport & Spine, Bay City 
    Sport & Spine and Midland Sport 
    & Spine                                                   Limited Partnership                  Texas 
Brazos Valley Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Plymouth Physical Therapy 
    Specialists, Limited 
    Partnership                                               Limited Partnership                  Texas 
Brick Hand & Rehabilitative 
   Services, Limited Partnership                              Limited Partnership                  Texas 
Heartland Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Bay View Physical Therapy, Ltd. 
   dba Pine State Physical Therapy                            Limited Partnership                  Texas 
Rio Grande Physical Therapy, 
   Limited Partnership (closed 
   effective 07/27/2000)                                      Limited Partnership                  Texas 
Thomas Hand and Rehabilitation 
   Specialists, Limited 
   Partnership dba Thomas Physical 
   & Hand Therapy dba Thomas Hand 
   Institute                                                  Limited Partnership                  Texas 
Excel Occupational and Physical 
   Therapy, Limited Partnership 
   (closed effective 01/31/2000)                              Limited Partnership                  Texas 
Hand Health and Rehabilitation, 
   Limited Partnership                                        Limited Partnership                  Texas 
Flannery Physical Therapy, 
   Limited Partnership dba 
   Physical Therapy Plus                                      Limited Partnership                  Texas 

 
 
 
 
 
 
                                                                                                 STATE OF 
NAME OF                                                         TYPE OF                        INCORPORATION 
SUBSIDIARY                                                      ENTITY                         OR FORMATION 
----------                                                      ------                         ------------ 
Port City Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Proactive Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
All Brunswick Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Penobscot Sports Associates, 
    Limited Partnership (clinic 
    closed 06/01/01)                                          Limited Partnership                  Texas 
Mooresville Management, 
    Limited Partnership                                       Limited Partnership                  Texas 
Beaufort Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
English Creek Hand & Therapy 
    Center, Limited Partnership                               Limited Partnership                  Texas 
Brownwood Physical Therapy, 
    Limited Partnership dba 
    Pecan Valley Physical Therapy                             Limited Partnership                  Texas 
Four Corners Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Wilmington Hand Therapy, Limited 
   Partnership dba Hand Therapy 
   of Wilmington                                              Limited Partnership                  Texas 
High Point Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Yarmouth Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Quantum Physical Therapy, Limited 
   Partnership                                                Limited Partnership                  Texas 
Spine & Sport Physical Therapy, 
    Limited Partnership dba The Hand 
    Institute of Spine & Sport                                Limited Partnership                  Texas 
Norman Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Rice Rehabilitation Associates, 
    Limited Partnership                                       Limited Partnership                  Texas 
Physical Therapy and Spine 
    Institute, Limited Partnership                            Limited Partnership                  Texas 
Forest City Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Leader Physical Therapy, 
    Limited Partnership dba 
    Memphis Physical Therapy                                  Limited Partnership                  Texas 
Functions by Fletchall, 
    Limited Partnership                                       Limited Partnership                  Texas 
Coastal Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Greene County Physical Therapy, 
    Limited Partnership (clinic 
    closed 02/2001)                                           Limited Partnership                  Texas 
Eastgate Physical Therapy, 
    Limited Partnership dba 
    Summit Physical Therapy                                   Limited Partnership                  Texas 
Tennessee Valley Physical 
    Therapy, Limited Partnership 
    (clinic closed 10/31/01)                                  Limited Partnership                  Texas 
Lucasville Therapy Services, 
    Limited Partnership                                       Limited Partnership                  Texas 
C.A.R.E. Physical Therapy 
    Center, Limited Partnership 
    (closed effective 03/31/99; 
    partnership canceled 04/15/99)                            Limited Partnership                  Texas 

 
 
 
 
 
 
                                                                                                 STATE OF 
NAME OF                                                         TYPE OF                        INCORPORATION 
SUBSIDIARY                                                      ENTITY                         OR FORMATION 
----------                                                      ------                         ------------ 
Ankeny Physical & Sports Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Twin Cities Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Brem Physical Therapy Associates, 
    Limited Partnership (closed 
    effective 05/31/99)                                       Limited Partnership                  Texas 
Penn's Wood Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Regional Physical Therapy 
    Center, Limited Partnership                               Limited Partnership                  Texas 
Wyman Physical Therapy, 
    Limited Partnership dba 
    Precision Physical Therapy                                Limited Partnership                  Texas 
Adams County Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Coppell Spine & Sports Rehab, 
    Limited Partnership dba Physical 
    Therapy of Flower Mound, 
    dba Green Oaks Physical Therapy, 
    dba Southlake Physical Therapy, 
    dba Physical Therapy of Colleyville                       Limited Partnership                  Texas 
Julie Emond Physical Therapy, 
    Limited Partnership dba 
    Maple Valley Physical Therapy                             Limited Partnership                  Texas 
City of Lakes Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Radtke Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Hoeppner Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Des Moines Physical Therapy, 
    Limited Partnership dba 
    Des Moines Physical Therapy                               Limited Partnership                  Texas 
Shrewsbury Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Heritage Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Mansfield Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Texstar Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Peninsula Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Lake Side Physical Therapy, 
    Limited Partnership dba 
    Lakeside Physical Therapy                                 Limited Partnership                  Texas 
Flint Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Pelican State Physical Therapy, 
    Limited Partnership dba 
    Audubon Physical Therapy                                  Limited Partnership                  Texas 
Airpark Physical Therapy, 
    Limited Partnership dba 
    Philadelphia Physical Therapy                             Limited Partnership                  Texas 
Capital Hand and Physical 
    Therapy, Limited Partnership                              Limited Partnership                  Texas 
Maines & Dean Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Edge Physical Therapy, Limited 
    Partnership dba River's Edge 
    Physical Therapy                                          Limited Partnership                  Texas 
Laurel Physical Therapy, 
    Limited Partnership dba 

 
 
 
 
 
 
                                                                                                 STATE OF 
NAME OF                                                         TYPE OF                        INCORPORATION 
SUBSIDIARY                                                      ENTITY                         OR FORMATION 
----------                                                      ------                         ------------ 
    South Mississippi Physical Therapy                        Limited Partnership                  Texas 
Riverwest Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Scott Black Physical Therapy, 
    Limited Partnership dba 
    Northern Neck Physical Therapy                            Limited Partnership                  Texas 
Mountain View Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Intermountain Physical Therapy, 
    Limited Partnership                                       Limited Partnership                  Texas 
Staunton Hand & Rehab Services, 
   Limited Partnership                                        Limited Partnership                  Texas 
White Mountain Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Battle Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Covington Rehabilitation and 
   Hand Therapy, Limited Partnership 
   dba South Mississippi Physical 
   Therapy                                                    Limited Partnership                  Texas 
Crawford Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Mobile Spine and Rehabilitation, 
   Limited Partnership                                        Limited Partnership                  Texas 
University Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Oregon Spine & Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Audubon Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Bow Physical Therapy & Spine 
   Center, Limited Partnership                                Limited Partnership                  Texas 
Caldwell Management, Limited 
   Partnership                                                Limited Partnership                  Texas 
Southeast Boise Management, 
   Limited Partnership                                        Limited Partnership                  Texas 
North Shore Sports & Physical 
   Therapy, Limited Partnership                               Limited Partnership                  Texas 
Performance and Sports Medicine, 
   L.P, dba Center for Performance 
   & Sports Medicine Excellence                               Limited Partnership                  Texas 
Physical Therapy Connection of 
   McLean, Limited Partnership                                Limited Partnership                  Texas 
Royal Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Sport & Spine Clinic, L.P.                                    Limited Partnership                  Texas 
Yarmouth Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Sport & Spine Clinic L.P.                                     Limited Partnership                  Texas 
Flannery Physical Therapy, 
   Limited Partnership, dba 
   Physical Therapy Plus                                      Limited Partnership                  Texas 
Cupertino Physical Therapy, 
   Limited Partnership, dba 
   Peak Physical Therapy                                      Limited Partnership                  Texas 
Town & Country Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Mountain View Physical Therapy, 
   Limited Partnership                                        Limited Partnership                  Texas 
Aquatic and Orthopedic Rehab Specialists, 
   Limited Partnership, dba Oceanside 
   Physical Therapy                                           Limited Partnership                  Texas 

 
 
 
 
 
 
                                                                                                 STATE OF 
NAME OF                                                         TYPE OF                        INCORPORATION 
SUBSIDIARY                                                      ENTITY                         OR FORMATION 
----------                                                      ------                         ------------ 
Ashland Physical Therapy, 
  Limited Partnership                                         Limited Partnership                  Texas 
Lake Houston Physical Therapy, 
  Limited Partnership                                         Limited Partnership                  Texas 
R. Clair Physical Therapy, 
  Limited Partnership, dba R. Clair 
  Physical Therapy Limited Partnership                        Limited Partnership                  Texas 
Town & Country Physical Therapy, 
  Limited Partnership                                         Limited Partnership                  Texas 
South Tulsa Physical Therapy, Limited 
  Partnership, dba Physical Therapy of Jenks                  Limited Partnership                  Texas 
Coppell Spine & Sports Rehab, Limited 
  Partnership dba North Davis/Keller 
  Physical Therapy                                            Limited Partnership                  Texas 
Catamount Physical Therapy, 
  Limited Partnership                                         Limited Partnership                  Texas 
Green Oaks Physical Therapy, Limited 
  Partnership dba Green Oaks Physical Therapy                 Limited Partnership                  Texas 
US PT Therapy Services Inc. dba 
  Mountain View Physical Therapy of Medford                   Corporation                          Texas 
Peninsula Physical Therapy, Limited 
  Partnership dba Portland Physical Therapy 
  Specialists                                                 Limited Partnership                  Texas 
Precise Touch Physical Therapy, Limited 
  Partnership dba Precise Touch                               Limited Partnership                  Texas 
Lucasville Physical Therapy, Limited 
  Partnership dba Physical Therapy 
  of Wheelersburg                                             Limited Partnership                  Texas 
Custom Physical Therapy, Limited 
  Partnership                                                 Limited Partnership                  Texas 
Workwise Therapy Services, Limited 
  Partnership                                                 Limited Partnership                  Texas 
High Plains Physical Therapy, 
  Limited Partnership                                         Limited Partnership                  Texas 
Evergreen Physcial Therapy, 
  Limited Partnership                                         Limited Partnership                  Texas 

 
 
 
 
 
 
EXHIBIT 23.1  

CONSENT OF KPMG LLP  

Board of Directors  
U.S. Physical Therapy, Inc.:  

We consent to incorporation by reference in the registration statements (Nos. 33-63446, 33-63444, 33-91004, 33-93040, 333-30071, 333-
64159, 333-67680, 333-67678, 333-82932 and 333-103057) on Form S-8 of U.S. Physical Therapy, Inc. of our report dated March 7, 2003, 
relating to the consolidated balance sheets of U.S. Physical Therapy, Inc. and subsidiaries as of December 31, 2002 and 2001, and the related 
consolidated statements of operations, shareholders' equity, and cash flows for each of the years in the three-year period ended December 31, 
2002, and the related consolidated financial statement schedule, which report appears in the December 31, 2002, annual report on Form 10-K 
of U.S. Physical Therapy, Inc.  

KPMG LLP  

Houston, Texas  
March 28, 2003  

 
 
 
 
 
 
 
EXHIBIT 99.1  

CERTIFICATION OF PERIODIC REPORT  

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C.  
Section 1350, Roy W. Spradlin, Chairman, President, and CEO of U.S. Physical Therapy, Inc. (the "Company") and J. Michael Mullin, Chief 
Financial Officer of the Company, certify that:  

(1) the Annual Report on Form 10-K of the Company for the period ended December 31, 2002, as filed with the Securities and Exchange 
Commission on the date hereof (the "Report"), fully complies with the requirements of  
Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and  

(2) the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the 
Company.  

/s/ Roy Spradlin 
------------------------------------
Name:    Roy W. Spradlin 
Title:   Chairman, President and CEO
Date:    March 31, 2003 

/s/ J. Michael Mullin 
------------------------------------
Name:    J. Michael Mullin 
Title:   Chief Financial Officer 
Date:    March 31, 2003 

This certification is made solely pursuant to the requirement of  
Section 1350 of 18 U.S.C., and is not for any other purpose.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
End of Filing