Sonida Senior Living
SNDA
#5180
Rank
$1.65 B
Marketcap
$35.01
Share price
1.80%
Change (1 day)
61.04%
Change (1 year)

Sonida Senior Living - 10-Q quarterly report FY


Text size:
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 10-Q


[X] Quarterly Report pursuant to Section 13
or 15(d) of the Securities Exchange Act of 1934

For the quarterly period ended September 30, 2001

[ ] Transition report under Section 13
or 15(d) of the Securities Exchange Act of 1934

Commission file number 1-13445.

CAPITAL SENIOR LIVING CORPORATION
---------------------------------
(Exact name of Registrant as specified in its charter)

DELAWARE 75-2678809
-------- ----------
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)

14160 Dallas Parkway, Suite 300, Dallas, Texas 75254
----------------------------------------------------
(Address of principal executive offices)


972-770-5600
------------
(Registrant's telephone number, including area code)



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

As of November 13, 2001, the Registrant had outstanding 19,717,347 shares of its
common stock, $.01 par value.
<TABLE>
<CAPTION>

CAPITAL SENIOR LIVING CORPORATION

INDEX



Page
Number
------
<S> <C> <C>

Part I. Financial Information

Item 1. Financial Statements

Consolidated Balance Sheets - -
September 30, 2001 and December 31, 2000 3

Consolidated Statements of Income - -
Three and Nine Months Ended September 30, 2001 and 2000 4

Consolidated Statements of Cash Flows - -
Nine Months Ended September 30, 2001 and 2000 5

Notes to Consolidated Financial Statements 6

Item 2. Management's Discussion and Analysis of Financial
Condition and Results of Operations 11

Item 3. Quantitative and Qualitative Disclosures About Market Risk 20

Part II. Other Information

Item 1. Legal Proceedings 21


Signature

</TABLE>

2
PART I.  FINANCIAL INFORMATION

Item 1. Financial Statements
<TABLE>
<CAPTION>

CAPITAL SENIOR LIVING CORPORATION
CONSOLIDATED BALANCE SHEETS
(in thousands)


September 30, December 31,
2001 2000
---------------- ----------------
ASSETS (Unaudited) (Audited)
<S> <C> <C>

Current assets:
Cash and cash equivalents........................................... $ 10,871 $ 23,975
Restricted cash..................................................... 2,100 --
Accounts receivable, net............................................ 2,067 3,221
Accounts receivable from affiliates................................. 1,591 3,764
Interest receivable................................................. 5,175 2,074
Federal and state income taxes receivable........................... 2,236 3,728
Deferred taxes...................................................... 1,208 1,208
Prepaid expenses and other.......................................... 3,251 1,935
---------------- ----------------
Total current assets.......................................... 28,499 39,905
Property and equipment, net............................................... 200,573 204,764
Deferred taxes............................................................ 8,570 8,872
Notes receivable.......................................................... -- 570
Notes receivable from affiliates.......................................... 56,315 43,388
Investments in limited partnerships....................................... 6,065 6,526
Assets held for sale...................................................... 2,457 6,920
Other assets.............................................................. 7,916 7,599
---------------- -----------------
Total assets.................................................. $ 310,395 $ 318,544
================ =================


LIABILITIES AND SHAREHOLDERS' EQUITY

Current liabilities:
Accounts payable.................................................... $ 3,004 $ 3,907
Accrued expenses.................................................... 3,413 3,194
Current portion of notes payable.................................... 6,078 4,770
Customer deposits................................................... 1,138 1,012
---------------- -----------------
Total current liabilities..................................... 13,633 12,883
Deferred income from affiliates........................................... 1,930 2,241
Notes payable, net of current portion..................................... 170,421 176,507
Line of credit............................................................ 7,553 7,553
Minority interest in consolidated partnership............................. 4,011 8,572
Commitments and contingencies
Shareholders' equity:
Preferred stock, $.01 par value:
Authorized shares 15,000,000; no shares issued or outstanding. -- --
Common stock, $.01 par value:
Authorized shares 65,000,000; issued and outstanding
19,717,347 at September 30, 2001 and December 31, 2000........ 197 197
Additional paid-in capital.......................................... 91,935 91,935
Retained earnings................................................... 20,715 18,656
---------------- -----------------
Total shareholders' equity.................................... 112,847 110,788
---------------- -----------------
Total liabilities and shareholders' equity.................... $ 310,395 $ 318,544
================ =================

</TABLE>
See accompanying notes.


3
<TABLE>
<CAPTION>


CAPITAL SENIOR LIVING CORPORATION
CONSOLIDATED STATEMENTS OF INCOME
(in thousands)

Three Months Ended Nine Months Ended
September 30, September 30,
--------------------------------- ---------------------------------
2001 2000 2001 2000
---------------- --------------- ---------------- ----------------
(Unaudited) (Unaudited) (Unaudited) (Unaudited)
<S> <C> <C> <C> <C>

Revenues:
Resident and healthcare revenue........... $ 15,123 $ 12,955 $ 47,262 $ 33,220
Rental and lease income................... 916 1,032 3,053 3,054
Unaffiliated management services revenue.. 446 523 1,478 1,783
Affiliated management services revenue.... 449 285 1,269 690
Unaffiliated development fees............. -- 106 40 476
Affiliated development fees............... 63 1,139 341 1,658
------------ ------------ ------------- -------------
Total revenues........................ 16,997 16,040 53,443 40,881

Expenses:
Operating expenses........................ 9,407 7,696 28,386 20,016
General and administrative expenses....... 3,110 2,571 9,705 6,923
Depreciation and amortization............. 1,738 1,460 5,234 3,462
------------ ------------ ------------- -------------
Total expenses........................ 14,255 11,727 43,325 30,401
------------ ------------ ------------- -------------

Income from operations.......................... 2,742 4,313 10,118 10,480

Other income (expense):
Interest income........................... 1,616 1,489 4,749 4,322
Interest expense.......................... (3,743) (3,322) (11,835) (7,292)
Equity in the losses of affiliates........ (62) -- (398) --
Gain (loss) on sale of assets............. 2,425 (653) 2,425 (350)
------------ ------------ ------------- -------------
Income before income taxes, minority interest in
consolidated partnership and extraordinary 2,978 1,827 5,059 7,160
charge....................................
Provision for income taxes...................... (724) (655) (1,354) (2,360)
------------ ------------ ------------- -------------
Income before minority interest in consolidated
partnership and extraordinary charge...... 2,254 1,172 3,705 4,800
Minority interest in consolidated partnership... (1,072) (99) (1,493) (943)
------------ ------------ ------------- -------------
Income before extraordinary charge.............. 1,182 1,073 2,212 3,857
Extraordinary charge, net of minority interest and
income tax benefit of $187 and $94,
respectively ................................... (153) -- (153) --
------------ ------------ ------------- -------------

Net income...................................... $ 1,029 $ 1,073 $ 2,059 $ 3,857
============ ============ ============= =============

Per share data:
Basic earnings per share:
Income before extraordinary charge........ $ 0.06 $ 0.05 $ 0.11 $ 0.20
Extraordinary charge...................... (0.01) -- (0.01) --
------------ ------------ ------------- -------------
Net income................................ $ 0.05 $ 0.05 $ 0.10 $ 0.20
============ ============ ============= =============
Diluted earnings per share:
Income before extraordinary charge........ $ 0.06 $ 0.05 $ 0.11 $ 0.20
Extraordinary charge...................... (0.01) -- (0.01) --
------------ ------------ ------------- -------------
Net income................................ $ 0.05 $ 0.05 $ 0.10 $ 0.20
============ ============ ============= =============
Weighted average shares outstanding - basic 19,717 19,717 19,717 19,717
============ ============ ============= =============
Weighted average shares outstanding - diluted 19,731 19,717 19,722 19,727
============ ============ ============= =============

</TABLE>


See accompanying notes.


4
<TABLE>
<CAPTION>

CAPITAL SENIOR LIVING CORPORATION
CONSOLIDATED STATEMENTS OF CASH FLOWS
(in thousands)

Nine Months Ended September 30,
-------------------------------------
2001 2000
---------------- ------------------
(Unaudited) (Unaudited)
<S> <C> <C>

Operating Activities
Net income.......................................................... $ 2,059 $ 3,857
Adjustments to reconcile net income to net
cash provided by operating activities:
Depreciation and amortization................................. 5,234 3,462
Amortization of deferred financing charges.................... 690 252
(Gain) loss on sale of assets................................. (2,425) 350
Equity in the losses of affiliates............................ 398 --
Minority interest in consolidated partnership................. 1,493 943
Deferred tax expense.......................................... 302 648
Change in deferred income from affiliates..................... (311) 705
Change in deferred income..................................... -- 231
Extraordinary charge, net of minority interest and income tax
benefit..................................................... 153 --
Changes in operating assets and liabilities:
Accounts receivable....................................... 1,154 11
Accounts receivable from affiliates....................... 2,173 4,277
Interest receivable....................................... (3,101) (173)
Notes receivable.......................................... 570 (569)
Prepaid expenses and other................................ (1,316) (2,009)
Other assets.............................................. (1,128) (615)
Federal and state income taxes............................ 1,586 1,766
Accounts payable and accrued expenses..................... (490) 2,179
Customer deposits......................................... 126 133
---------------- ----------------
Net cash provided by operating activities........................... 7,167 15,448
Investing Activities
Capital expenditures................................................ (1,866) (1,845)
Cash paid for acquisition, net of cash acquired of $2,060........... -- (102,014)
Proceeds from the sale of assets.................................... 3,637 4,504
Advances to affiliates.............................................. (13,149) (11,556)
Distribution from (investments in) limited partnership.............. 285 (472)
---------------- ----------------
Net cash used in investing activities............................... (11,093) (111,383)
Financing Activities
Proceeds from notes payable and line of credit...................... 3,207 125,248
Repayment of notes payable.......................................... (4,416) (27,744)
Restricted cash..................................................... (2,100) --
Distributions to minority partners.................................. (5,867) (3,063)
Deferred loan charges paid.......................................... (2) (3,636)
---------------- ----------------
Net cash provided by (used in) financing activities................. (9,178) 90,805
---------------- ----------------

Decrease in cash and cash equivalents............................... (13,104) (5,130)
Cash and cash equivalents at beginning of period.................... 23,975 32,988
---------------- ----------------
Cash and cash equivalents at end of period.......................... $ 10,871 $ 27,858
================ ================

Supplemental disclosures:
Cash paid during the period for:
Interest..................................................... $ 10,965 $ 7,068
================ ================
Income taxes................................................. $ 545 $ 354
================ ================

</TABLE>

See accompanying notes.

5
CAPITAL SENIOR LIVING CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS


1. BASIS OF PRESENTATION

Capital Senior Living Corporation, a Delaware corporation (the "Company"), was
incorporated on October 25, 1996. The accompanying consolidated financial
statements include the financial statements of Capital Senior Living Corporation
and its subsidiaries. All intercompany balances and transactions have been
eliminated in consolidation.

The accompanying consolidated balance sheet, as of December 31, 2000, has been
derived from audited consolidated financial statements of the Company for the
year ended December 31, 2000, and the accompanying unaudited consolidated
financial statements, as of September 30, 2001 and 2000, have been prepared
pursuant to the rules and regulations of the Securities and Exchange Commission.
Certain information and note disclosures normally included in the annual
financial statements prepared in accordance with accounting principles generally
accepted in the United States have been condensed or omitted pursuant to those
rules and regulations. For further information, refer to the financial
statements and notes thereto for the year ended December 31, 2000 included in
the Company's Annual Report on Form 10-K filed with the Securities and Exchange
Commission on March 21, 2001.

In the opinion of the Company, the accompanying consolidated financial
statements contain all adjustments (all of which were normal recurring accruals)
necessary to present fairly the Company's financial position as of September 30,
2001, results of operations for the three months and nine months ended September
30, 2001 and 2000, respectively, and cash flows for the nine months ended
September 30, 2001 and 2000. The results of operations for the three and nine
months ended September 30, 2001 are not necessarily indicative of the results
for the year ending December 31, 2001.

The Financial Accounting Standards Board issued Statement 133, "Accounting for
Derivative Instruments and Hedging Activities" in June 1998. The Statement is
effective for all fiscal quarters of all fiscal years beginning after June 15,
2000. As a result of the Company's minimal use of derivatives, the adoption of
FAS 133 by the Company in the first quarter of fiscal 2001 did not have a
material effect on the Company's earnings or financial position.

In June 2001, the Financial Accounting Standards Board issued Statements of
Financial Accounting Standards No. 141, "Business Combinations", and No. 142,
"Goodwill and Other Intangible Assets", effective for years beginning after
December 15, 2001. Under the new rules, goodwill and intangible assets deemed to
have indefinite lives will no longer be amortized but will be subject to annual
impairment tests in accordance with the Statements. Other intangible assets will
continue to be amortized over their useful lives. The Company will apply the new
rules on accounting for goodwill and other intangible assets beginning in the
first quarter of 2002. Application of the non-amortization provisions of the
Statement is expected to result in an increase in net income, but the amount has
not yet been determined, as previous business combinations have not yet been
analyzed under the new rules. During 2002, the Company will perform the first of
the required impairment tests of goodwill and indefinite lived intangible assets
as of January 1, 2002 and has not yet determined what the effects of these tests
will be on the earnings and financial position of the Company.

6
CAPITAL SENIOR LIVING CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (continued)

2. TRANSACTIONS WITH AFFILIATES

The Company has entered into agreements with the partnerships set out below (the
"Triad Entities") for the development and management of new senior living
communities. The Triad Entities own and finance the construction of the new
senior living communities. The communities are primarily Waterford communities.
The development of senior living communities typically involves a substantial
commitment of capital over a 12-month construction period during which time no
revenues are generated, followed by an 18 to 24-month lease up period. The
Company is accounting for these investments under the equity method of
accounting based on the provisions of the Triad Entities partnership agreements.

The Triad Entities have opened 17 communities, including 15 Waterford
communities and two expansions. In addition, there are two planned communities
under construction and these two communities are expected to open in the first
quarter of fiscal 2002.

The following table, as of September 30, 2001, sets forth the percentage
ownership and capital investment the Company has in each of the Triad Entities,
information related to loans made by the Company to each Triad Entity and
information on deferred income related to each Triad Entity (dollars in
thousands):
<TABLE>
<CAPTION>

Notes Receivable Deferred Income
-----------------------------------------------------------------------------
LP
Ownership Capital Committed Interest Development Management
Entity Interest Investment Amount Balance Maturity Rate Interest Fees Fees
------ -------- ---------- ------ ------- -------- ---- -------- ---- ----
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>


Triad Senior
Living I,
L.P. 1.0% $ -- $ -- $11,900(1) -- 8.0% $ 145 $ 328 $114
(Triad I)


Triad Senior September
Living II, 1.0 -- 15,000 15,000 25, 2003 8.0 216 196 2
L.P. 433(1) 8.0
(Triad II)


Triad Senior
Living III, February
L.P. 1.0 -- 15,000 15,000 8, 2004 8.0 197 378 3
(Triad III) 2,195(1) 8.0


Triad Senior
Living IV,
L.P. December
(Triad IV) 1.0 -- 10,000 7,686 30, 2003 8.0 142 120 --

Triad Senior
Living V, L.P. June
(Triad V) 1.0 -- 10,000 4,101 30, 2004 8.0 58 31 --

- --------------------------
<FN>

(1) Pursuant to operating deficit loan obligations.
</FN>
</TABLE>


7
CAPITAL SENIOR LIVING CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (continued)

The Company typically receives a development fee of 4% of project costs, as well
as reimbursement of expenses and overhead not to exceed 4% of project costs.
These fees are recorded over the term of the development project on a basis
approximating the percentage of completion method. The Company earned
development fees on three communities in fiscal 2001 compared to 18 communities
in fiscal 2000. In addition, when properties become operational, the Company
typically receives management fees in an amount equal to the greater of 5% of
gross revenues or $5,000 per month per community, other fees relating to lease
up and overhead expenses.

The Company has the option to purchase the partnership interests of the other
parties in each of the Triad Entities, except in Triad I, for an amount equal to
the amount paid for the partnership interest by the other partners, plus a
noncompounded return of 12% per annum. In addition, each Triad Entity, except
Triad I, provides the Company with an option to purchase the communities
developed by the applicable partnership upon such community's completion for an
amount equal to the fair market value (based on third-party appraisals but not
less than hard and soft costs and lease-up costs) of the community.

In December 1999, Triad I completed a recapitalization in which an affiliate of
Lehman Brothers purchased from a third party 80% of the limited partnership
interests in Triad I. The Company has the option to purchase the Triad I
communities prior to December 31, 2001 for an amount specified in the
partnership agreement, has an option to purchase the partnership interest of the
other partners for an amount specified in the partnership agreement and is
subject to the buy-sell provisions of the partnership agreement. The Company
continues to manage the communities in the Triad I partnership. The Company has
made no determination as to whether it will exercise any of these purchase
options.

3. NET INCOME PER SHARE

Basic earnings per share is calculated by dividing earnings by the weighted
average number of common shares outstanding during the period. Diluted earnings
per share considers the dilutive effect of outstanding options calculated using
the treasury stock method.

The following table sets forth the computation of basic and diluted earnings per
share (in thousands, except for per share amounts):

<TABLE>
<CAPTION>

Three Months Ended Nine Months Ended
September 30, September 30,
--------------------------- --------------------------
2001 2000 2001 2000
---------- ---------- ---------- ----------
<S> <C> <C> <C> <C>

Income before extraordinary charge $ 1,182 $ 1,073 $ 2,212 $ 3,857
Extraordinary charge (153) -- (153) --
---------- ---------- ---------- ----------
Net income $ 1,029 $ 1,073 $ 2,059 $ 3,857
========== ========== ========== ==========

Weighted average shares outstanding - basic 19,717 19,717 19,717 19,717
Effect of dilutive securities:
Employee stock options 14 -- 5 10
---------- ---------- ---------- ----------
Weighted average shares outstanding - diluted 19,731 19,717 19,722 19,727
========== ========== ========== ==========
Basic earnings per share:
Income before extraordinary charge $ 0.06 $ 0.05 $ 0.11 $ 0.20
Extraordinary charge $ (0.01) $ -- $ (0.01) $ --
---------- ---------- ---------- ----------
Net income $ 0.05 $ 0.05 $ 0.10 $ 0.20
========== ========== ========== ==========
Diluted earnings per share:
Income before extraordinary charge $ 0.06 $ 0.05 $ 0.11 $ 0.20
Extraordinary charge $ (0.01) $ -- $ (0.01) $ --
---------- ---------- ---------- ----------
Net income $ 0.05 $ 0.05 $ 0.10 $ 0.20
========== ========== ========== ==========
</TABLE>

8
CAPITAL SENIOR LIVING CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (continued)


Options to purchase 1.0 million shares of common stock at prices ranging from
$2.00 to $13.50 per share were not included in the computation of diluted
earnings per share because the average daily price of the common stock during
the third quarter and first nine months of fiscal 2001 did not exceed the
exercise price of the options, and therefore, the effect would be antidulitive.
For the third quarter and first nine months of fiscal 2000, options to purchase
1.8 million shares of common stock at prices ranging from $3.63 to $13.50 per
share were not included in the computation of diluted earnings per share because
the average daily price of the common stock did not exceed the exercise price of
the options, and therefore, the effect would be antidulitive.

4. Acquisitions

On August 15, 2000, the Company completed its merger with ILM Senior Living,
Inc. ("ILM") and the acquisition of the Villa Santa Barbara property interest
held by ILM II Senior Living, Inc. ("ILM II"). This transaction resulted in the
Company acquiring ownership of eight senior living communities with a capacity
of approximately 1,300 residents. The Company had managed the ILM communities
since 1996 pursuant to a management agreement with ILM. The merger was accounted
for as a purchase and included total cash consideration for the eight
communities of approximately $97.6 million, net of closing costs of $4.4
million, consisting of $87.5 million to the ILM shareholders and $10.1 million
for ILM II's interest in the Villa Santa Barbara property. The consideration was
agreed upon as the result of arm's-length negotiations between the parties to
the merger and with ILM II. The Company also refinanced three of its existing
communities in conjunction with the merger and repaid approximately $25.8
million of a $34.0 million line of credit with Bank One Texas, N.A., as agent,
resulting in an amended loan facility of up to $9.0 million. GMAC Commercial
Mortgage Corporation provided approximately $102.0 million and Newman Financial
Services, Inc. provided approximately $20.0 million of financing for the merger
and the refinancing. The balance of the merger consideration and amounts
necessary for the refinancing came from the Company's existing cash resources.
The allocation of the purchase price of the ILM acquisition is tentative pending
the resolution of certain tax issues that existed at the time of acquisition.
The allocation may change with the resolution of these tax issues.

The results of operations for the above acquisitions are included in the
Company's statement of income from the date of acquisition.

The following pro forma consolidated results of operations for the nine months
ended September 30, 2000, have been prepared as if the above-mentioned
acquisitions had occurred on January 1, 2000, and are as follows (in thousands):

2000
----------
Net sales $ 53,762
Net income $ 2,225
Net income per share - basic $ 0.11
Net income per share - diluted $ 0.11

9
CAPITAL SENIOR LIVING CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (continued)

The unaudited pro forma consolidated amounts are presented for informational
purposes only and do not necessarily reflect the financial position or results
of operations of the Company that would have actually resulted had the
acquisitions occurred on January 1, 2000.

On February 9, 2001, the Company announced that it was terminating its merger
agreement with ILM II. A tax issue disclosed in ILM II's Form 10-K filed on
January 31, 2001 could cause a material adverse change under the merger
agreement with ILM II, and therefore put the Company in the position of having
to terminate the merger. The Company does not expect to incur any additional
costs related to this terminated merger. The Company continues to manage the
five ILM II communities pursuant to the existing management agreement.

5. CONTINGENCIES

On or about October 23, 1998, Robert Lewis filed a putative class action
complaint on behalf of certain holders of assignee interests (the "Assignee
Interests") in NHP Retirement Housing Partners I Limited Partnership ("NHP") in
the Delaware Court of Chancery against NHP, the Company, Capital Senior Living
Properties 2-NHPCT, Inc. and Capital Realty Group Senior Housing, Inc.
(collectively, the "Defendants"). Mr. Lewis purchased ninety Assignee Interests
in NHP in February 1993 for $180. The complaint alleges, among other things,
that the Defendants breached, or aided and abetted a breach of, the express and
implied terms of the NHP Partnership Agreement in connection with the sale of
four properties by NHP to Capital Senior Living Properties 2-NHPCT, Inc. The
complaint seeks, among other relief, rescission of the sale of those properties
and unspecified damages. The Company believes the complaint is without merit and
is vigorously defending itself in this action. The Company has filed a Motion to
Dismiss in this case, which is currently pending. The Company is unable to
estimate any liability related to this claim, if any.

The Company has pending claims incurred in the normal course of business, that,
in the opinion of management, based on the advice of legal counsel, will not
have a material effect on the financial statements of the Company.

6. RESTRICTED CASH.

At September 30, 2001, $2.1 million of cash was pledged by the Company as
additional collateral on two corporate loan obligations and was classified as
restricted cash on the balance sheet.
CAPITAL SENIOR LIVING CORPORATION

Item 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
RESULTS OF OPERATIONS

Overview

The following discussion and analysis addresses (i) the Company's results of
operations for the three and nine months ended September 30, 2001 and 2000,
respectively, and (ii) the liquidity and capital resources of the Company and
should be read in conjunction with the Company's consolidated financial
statements contained elsewhere in this report.

The Company generates revenue from a variety of sources. For the three months
ended September 30, 2001, the Company's revenue was derived as follows: 89.0%
from the operation of 19 owned senior living communities that are operated by
the Company; 5.4% from lease rentals for triple net leases; 5.2% from management
fees arising from management services provided for 18 affiliate owned senior
living communities and 12 third-party owned senior living communities and 0.4%
derived from development fees earned for managing the development and
construction of new senior living communities for the Triad Entities.

For the nine months ended September 30, 2001, the Company's revenue was derived
as follows: 88.4% from the operation of 19 owned senior living communities; 5.7%
from lease rentals for triple net leases; 5.2% from management fees arising from
management services provided for 18 affiliate owned senior living communities
and 12 third-party owned senior living communities and 0.7% derived from
development fees earned for managing the development and construction of new
senior living communities for the Triad Entities.

The Company believes that the factors affecting the financial performance of
communities managed under contracts with third parties do not vary substantially
from the factors affecting the performance of owned and leased communities,
although there are different business risks associated with these activities.

The Company's third-party management fees are primarily based on a percentage of
gross revenues. As a result, the cash flows and profitability of such contracts
to the Company are more dependent on the revenues generated by such communities
and less dependent on net cash flow than for owned communities. Further, the
Company is not responsible for capital investments in managed communities. While
the management contracts are generally terminable only for cause, in certain
cases, the contracts can be terminated upon the sale of a community, subject to
the Company's rights to offer to purchase such community.

The Company's triple net leases currently extend through various dates through
2006. The base payments under these leases are fixed and are not subject to
change based upon the operating performance of these communities. Following
termination of the lease agreements, unless the operators extend their leases,
the Company may either convert and operate the communities as assisted living
and Alzheimer's care communities, sell the communities or evaluate other
alternatives.

10
CAPITAL SENIOR LIVING CORPORATION
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
AND RESULTS OF OPERATIONS (continued)

The Company's current management contracts expire on various dates through June
2011 and provide for management fees based generally upon rates that vary by
contract from 4% of net revenues to 7% of net revenues. In addition, certain of
the contracts provide for supplemental incentive fees that vary by contract
based upon the financial performance of the managed community.

The Company's development fees are generally based upon a percentage of
construction costs and are earned over the period commencing with the initial
development activities and ending with the opening of the community. During the
nine months ended September 30, 2001, development fees have been earned for
services performed on three communities under development or expansion for the
Triad Entities.

Results of Operations

The following table sets forth for the periods indicated, selected statements of
income data in thousands of dollars and expressed as a percentage of total
revenues.
<TABLE>
<CAPTION>


Three Months Ended Nine Months Ended
September 30, September 30,
--------------------------------------- ----------------------------------------
2001 2000 2001 2000
------------------- ------------------- -------------------- -------------------
$ % $ % $ % $ %
----------- ------- ---------- -------- ---------- --------- ----------- -------
<S> <C> <C> <C> <C> <C> <C> <C> <C>

Revenues:
Resident and healthcare
revenue................. $ 15,123 89.0 $ 12,955 80.8 $47,262 88.4 $ 33,220 81.2
Rental and lease income... 916 5.4 1,032 6.4 3,053 5.7 3,054 7.5
Unaffiliated management
service revenue......... 446 2.6 523 3.3 1,478 2.8 1,783 4.4
Affiliated management
service revenue......... 449 2.6 285 1.8 1,269 2.4 690 1.7
Unaffiliated development
fees.................... -- -- 106 0.6 40 0.1 476 1.2
Affiliated development fees 63 0.4 1,139 7.1 341 0.6 1,658 4.0
---------- ------- -------- ------- -------- ------- -------- ------
Total revenue............. 16,997 100.0 16,040 100.0 53,443 100.0 40,881 100.0

Expenses:
Operating expenses........ 9,407 55.4 7,696 48.0 28,386 53.1 20,016 49.0
General and administrative
expenses............... 3,110 18.3 2,571 16.0 9,705 18.2 6,923 16.9
Depreciation and
amortization........... 1,738 10.2 1,460 9.1 5,234 9.8 3,462 8.5
---------- ------- -------- ------- -------- ------- -------- ------
Total expenses 14,255 83.9 11,727 73.1 43,325 81.1 30,401 74.4
---------- ------- -------- ------- -------- ------- -------- ------

Income from operations ........ 2,742 16.1 4,313 26.9 10,118 18.9 10,480 25.6

Other income (expense):
Interest income........... 1,616 9.5 1,489 9.3 4,749 8.9 4,322 10.6
Interest expense.......... (3,743) (22.0) (3,322) (20.7) (11,835) (22.1) (7,292) (17.8)
Equity in the losses of
affiliates.............. (62) (0.4) -- -- (398) (0.7) -- --
Gain (loss) on sales of
assets................. 2,425 14.3 (653) (4.1) 2,425 4.5 (350) (0.9)
---------- ------- -------- ------- -------- ------- -------- ------

Income before income taxes
minority interest in
consolidated partnership
and extraordinary charge. 2,978 17.5 1,827 11.4 5,059 9.5 7,160 17.5
Provision for income taxes (724) (4.2) (655) (4.1) (1,354) (2.5) (2,360) (5.8)
---------- ------- -------- ------- -------- ------- -------- ------

Income before minority interest
in consolidated partnership
and extraordinary charge..... 2,254 13.3 1,172 7.3 3,705 7.0 4,800 11.7
Minority interest in consolidated
partnership.................. (1,072) (6.3) (99) (0.6) (1,493) (2.8) (943) (2.3)
---------- ------- -------- ------- -------- ------- -------- ------
Net income before extraordinary
charge....................... 1,182 7.0 1,073 6.7 2,212 4.1 3,857 9.4
Extraordinary charge, net of
minority interest and income
tax benefit of $187 and
$94, respectively............ (153) (0.9) -- -- (153) (0.3) -- --
---------- ------- -------- ------- -------- ------- -------- ------
Net income..................... $1, 029 6.1 $1,073 6.7 $2,059 3.9 $3,857 9.4
========== ======= ======== ======= ======== ======= ======== ======


</TABLE>


11
CAPITAL SENIOR LIVING CORPORATION
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
AND RESULTS OF OPERATIONS (continued)


Three Months Ended September 30, 2001 Compared to the Three Months Ended
September 30, 2000

Revenues. Total revenues were $17.0 million in the three months ended September
30, 2001 compared to $16.0 million for the three months ended September 30,
2000, representing an increase of $1.0 million or 6.0%. This increase in revenue
is primarily the result of a $2.2 million or 16.7% increase in resident and
healthcare revenue offset by a $1.2 million decrease in development fees. The
increase in resident and healthcare revenue reflects higher resident capacity
this year as the acquisition of eight communities was completed in the middle of
last year's third quarter. The reduction in development fee revenue reflects the
Company's strategic initiative aimed at discontinuing the use of joint ventures
for future development. The Company is currently developing two communities for
Triad IV, and expects these communities to open in the first quarter of fiscal
2002.

Expenses. Total expenses were $14.3 million in the third quarter of fiscal 2001
compared to $11.7 million in the third quarter of fiscal 2000, representing an
increase of $2.6 million or 21.6%. This increase is primarily due to the
operations related to the eight communities acquired in the middle of the third
quarter of fiscal 2000, nonrecurring costs of approximately $0.5 million
associated with preparing one community for sale, along with slightly higher
operating costs at the Company's senior living communities.

Other income and expense. Interest income increased $0.1 million in the third
quarter of fiscal 2001 compared to the same period in 2000 as a result of
additional income earned on loans made to the Triad Entities. Interest expense
increased $0.4 million in the third quarter of fiscal 2001 compared to the prior
year as a result of additional debt incurred by the Company to acquire the eight
communities and refinancing three of the Company's owned communities, partially
offset by lower interest rates on the Company's variable rate loans in the
current fiscal year. The Company's equity in the losses of affiliates represents
the Company's share of the startup losses incurred by the Triad Entities. The
gain on sales of properties of $2.4 million in fiscal 2001 resulted from the
sale of the Cambridge community owned by Healthcare Properties, L.P. ("HCP")
along with another small facility owned by HCP. The loss on sales of properties
of $0.7 million in fiscal 2000 resulted from the sale of one community and a
small adjacent facility owned by HCP.

Provision for income taxes. Provision for income taxes in the third quarter of
fiscal 2001 was $0.7 million or 38.0% of taxable income, compared to $0.7
million or 37.9% of taxable income in the comparable quarter for 2000. The
effective tax rates for the first quarter of 2001 and 2000 differ from the
statutory tax rates because of state income taxes and permanent tax differences.

Minority interest. The increase in minority interest of $1.0 million is
primarily due to the gains recognized on sale of properties in fiscal 2001.

Extraordinary charge. The Company recognized an extraordinary charge, net of
minority interest and income tax benefit, of $0.2 million. This charge resulted
from a loan foreclosure on HCP's McCurdy community.

12
CAPITAL SENIOR LIVING CORPORATION
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
AND RESULTS OF OPERATIONS (continued)

Net income. As a result of the foregoing factors, net income decreased $0.1
million to $1.0 million for the three months ended September 30, 2001, as
compared to $1.1 million for the comparable period in the prior fiscal year.


Nine Months Ended September 30, 2001 Compared to the Nine Months Ended September
30, 2000

Revenues. For the nine months ended September 30, 2001, total revenues were
$53.4 million compared to $40.9 million for the nine months ended September 30,
2000, representing an increase of $12.5 million or 30.7%. This increase in
revenue is primarily the result of a $14.0 million increase in resident and
healthcare revenue, an increase of $0.3 million in management fees offset by a
decrease in development fee revenue of $1.8 million. The increase in resident
and healthcare revenue reflects the Company's additional resident capacity from
the eight communities acquired in the third quarter of fiscal 2000. The increase
in management fee revenue is from increased fees earned related to the Triad
Entities. The reduction in development fee revenue reflects the Company's
strategic initiative aimed at discontinuing the use of joint ventures for future
development. During the first nine months of fiscal 2001, the Company received
development fee revenue on three communities compared to 18 communities in the
first nine months of fiscal 2000.

Expenses. Total expenses increased $12.9 million or 42.5% to $43.3 million in
the first nine months of fiscal 2001 compared to $30.4 million in the first nine
months of fiscal 2000. This increase is primarily due to the operations related
to the eight communities acquired in the third quarter of fiscal 2000,
nonrecurring costs of $0.5 million associated with preparing one community for
sale, along with slightly higher operating costs at the Company's senior living
communities.

Other income and expense. Interest income increased $0.4 million in the first
nine months of fiscal 2001 compared to the same period in 2000 as a result of
additional income earned on loans made to the Triad Entities. Interest expense
increased $4.5 million in the first nine months of fiscal 2001 compared to the
prior year as a result of additional debt incurred by the Company to acquire the
eight communities and refinancing three of the Company's owned communities
partially offset by lower interest rates in the current fiscal year. The
Company's equity in the losses of affiliates of $0.4 million represents the
Company's share of the startup losses incurred by the Triad Entities. The gain
on sales of properties of $2.4 million in fiscal 2001 resulted from the sale of
HCP's Cambridge community along with the sale of another small facility owned by
HCP. The loss on sales of properties in fiscal 2000 of $0.4 million resulted
from a loss of $0.7 million on the sale of a community and a small adjacent
facility owned by HCP partially offset by a gain of $0.3 million on the sale of
another community owned by HCP.

Provision for income taxes. Provision for income taxes in the first nine months
of fiscal 2001 was $1.4 million or 38.0% of taxable income, compared to $2.4
million or 38.0% of taxable income in the comparable period of fiscal 2000. The
effective tax rates for the third quarter of 2001 and 2000 differ from the
statutory tax rates because of state income taxes and permanent tax differences.

13
CAPITAL SENIOR LIVING CORPORATION
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
AND RESULTS OF OPERATIONS (continued)


Minority interest. The increase in minority interest of $0.6 million is
primarily due to the gains recognized on sale of properties in fiscal 2001,
offset by lower operating income at HCP.

Net income. As a result of the foregoing factors, net income decreased $1.8
million to $2.1 million for the nine months ended September 30, 2001, as
compared to $3.9 million for the nine months ended September 30, 2000.

Liquidity and Capital Resources

In addition to approximately $10.9 million of cash balances on hand as of
September 30, 2001, the Company's principal source of liquidity is expected to
be cash flows from operations and proceeds from the sale of non-core assets. The
Company expects its cash and cash equivalents along with its net income, cash
flow from operations and the proceeds from the sale of non-core assets to be
sufficient to fund its short-term working capital requirements. The Company's
long-term capital requirements, primarily for acquisitions, development and
other corporate initiatives, will be dependent on the Company's ability to
access funds through the debt and/or equity markets or the formation of joint
ventures. There can be no assurance that the Company will continue to generate
cash flows at or above current levels or that the Company will be able to obtain
the capital necessary to meet its long-term capital requirements.

With regard to the tragic events of September 11, 2001, traffic slowed during
the second half of the month, as some prospects remained at home to watch the
unfolding events. Activities at the Company's communities returned to more
normal levels in October and the Company does not expect any long-term effects
from the events of September 11th.

The Company had net cash provided by operating activities of $7.2 million and
$15.4 million in the first nine months of fiscal 2001 and 2000, respectively. In
the first nine months of fiscal 2001, the net cash provided by operating
activities was primarily derived from net income of $2.1 million, net non-cash
charges of $5.5 million, a decrease in accounts and income tax receivable of
$4.9 million and a reduction of notes receivable of $0.6 million, offset by an
increase in interest receivable of $3.1 million, increase in prepaid expenses of
$1.3 million, increase in other assets of $1.1 million and a decrease in
accounts payable and accrued expenses of $0.5 million. In the first nine months

14
CAPITAL SENIOR LIVING CORPORATION
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
AND RESULTS OF OPERATIONS (continued)


of fiscal 2000, the net cash provided by operating activities was primarily
derived from net income of $3.9 million, net non-cash charges of $6.6 million, a
decrease in accounts and income tax receivable of $6.1 million and an increase
in accounts payable and accrued expenses of $2.2 million, offset by an increase
in prepaid expenses of $2.0 million, increase in other assets of $0.6 million,
an increase in notes receivable of $0.6 million and an increase in interest
receivable of $0.2 million.

The Company had net cash used in investing activities of $11.1 million and
$111.4 million in the first nine months of fiscal 2001 and 2000, respectively.
In the first nine months of fiscal 2001, the Company's net cash used in
investing activities was primarily the result of advances to the Triad Entities
of $13.1 million and capital expenditures of $1.9 million, offset by proceeds
from the sale of assets of $3.6 million and distributions from limited
partnerships of $0.3 million. In the first nine months of fiscal 2000, the
Company's net cash used in investing activities was primarily the result of cash
paid of $102.0 million, net of cash acquired, for the acquisition of eight
senior living communities, advances to the Triad Entities of $11.6 million,
capital expenditures of $1.8 million and investments in limited partnerships of
$0.5 million, offset by the proceeds from the sale of assets of $4.5 million.

The Company had net cash used in financing activities of $9.2 million in first
nine months of fiscal 2001, compared to net cash provided by financing
activities of $90.8 million in the comparable period of fiscal 2000. For the
first nine months of fiscal 2001, net cash used in financing activities was
primarily the result of repayment of notes payable of $4.4 million, cash
restricted by loan modifications of $2.1 million and distribution to minority
partners of $5.9 million, offset by proceeds from notes payable of $3.2 million.
For the first nine months of fiscal 2000, net cash provided by financing
activities was primarily the result of proceeds from issuance of notes payable
of $125.2 million, used to finance the acquisition of the eight communities and
to refinance three of the Company's owned communities, offset by repayments of
notes payable of $27.7 million, distributions to minority partners of $3.1
million and deferred loan charges paid of $3.6 million.

The Company derives the benefits and bears the risks attendant to the
communities it owns. The cash flows and profitability of owned communities
depends on the operating results of such communities and are subject to certain
risks of ownership, including the need for capital expenditures, financing and
other risks such as those relating to environmental matters.

The cash flows and profitability of the HCP owned communities that are leased to
third parties depend on the ability of the lessee to make timely lease payments.
There are currently six properties leased by HCP to third parties. Four of these
properties are leased until November 30, 2001 to HealthSouth Rehabilitation
Corp. ("HealthSouth") under a master lease agreement. Three of these four
properties were closed by the lessee and effective August 25, 1999, HealthSouth
agreed to transfer control of the closed communities to the Company. The Company
has subsequently sold these three properties. HealthSouth, however, agreed to
continue making its full lease payments related to all four properties. Of the
remaining two triple net leases, one has been leased to an unaffiliated party
for five years and all payments have been made on a timely basis. The lease of
the other property expired in fiscal 2000. The lessee continues to make its
monthly lease payment to HCP but is delinquent on its rent participation
payments. Also, this lessee and its parent company/guarantor have filed for
chapter 11 bankruptcy in the United States Bankruptcy Court and has further
informed HCP that it is rejecting the lease effective January 1, 2002. The
Company is reviewing its options regarding this property, including finding a
new lessee for the property or selling the property. With regard to properties
previously leased or owned by HCP, as of January 2001, the lessee on a triple
net leased property in Evansville, Indiana defaulted on its minimum lease
payments. HCP made the decision not to put additional money into the property
(which was built in 1916) and notified the lender that they would not continue
paying the lender's mortgage payment on the property. Consequently, during the
third quarter the lender foreclosed on the property. The foreclosure resulted in
the Company recording an extraordinary loss, net of income tax benefit and
minority interest, of $0.2 million. Also,

15
CAPITAL SENIOR LIVING CORPORATION
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
AND RESULTS OF OPERATIONS (continued)


during the third quarter HCP sold one of its communities and a small facility
for $3.9 million. The sale of the community in Cambridge, Massachusetts resulted
in net proceeds to the Company of $3.3 million and a gain on sale of $2.4
million. The sale of the small facility in Goodlettsville, Tennessee resulted in
net proceeds of $0.3 million and a gain on sale of $1,000.

The cash flows and profitability of the Company's third-party management fees
are dependent upon the revenues and profitability of the communities managed.
While the management contracts are generally terminable only for cause, in
certain cases, contracts can be terminated upon the sale of a community, subject
to the Company's rights to offer to purchase such community.

The Company has entered into agreements with the Triad Entities for the
development and management of new senior living communities. The development of
senior living communities typically involves a substantial commitment of capital
over a 12-month construction period during which time no revenues are generated,
followed by an 18 to 24-month lease up period. The Triad Entities will own and
finance the construction of the new communities. These communities are primarily
Waterford communities. The Company typically receives a development fee of 4% of
project costs, as well as reimbursement of expenses and overhead not to exceed
4% of project costs. In addition, when the properties become operational, the
Company typically receives management fees in an amount equal to the greater of
5% of gross revenues or $5,000 per month per community, other fees relating to
lease up, and overhead expenses.

The Triad Entities have opened 17 communities, including 15 Waterford
communities and two expansions. In addition, there are two planned communities
under construction and these two communities are expected to open in the first
quarter of fiscal 2002.

The Company holds one percent limited partnership interests in each of the Triad
Entities. The Company has the option to purchase the partnership interests of
the other parties in the Triad Entities, except for Triad I, for an amount equal
to the amount paid for the partnership interest by the other partners, plus a
noncompounded return of 12% per annum. In addition, each Triad Entity, except
Triad I, provides the Company with an option to purchase the communities
developed by the applicable partnership upon such community's completion for an
amount equal to the fair market value (based on a third-party appraisals but not
less than hard and soft costs and lease-up costs) of the community.

In December 1999, Triad I completed a recapitalization in which an affiliate of
Lehman Brothers purchased from a third party 80% of the limited partnership
interests in Triad I. The Company owns a 1% limited partnership interest in
Triad I. The Company has the option to purchase the Triad I communities prior to
December 31, 2001 for an amount specified in the partnership agreement, has an
option to purchase the partnership interest of the other partners for an amount
specified in the partnership agreement and is subject to the buy-sell provisions
of the partnership agreement. The Company will continue to develop and manage
the communities in the Triad I partnership.

The Company has made no determination as to whether it will exercise any of
these purchase options. The Company will evaluate the possible exercise of each
purchase option based on the business and financial factors that may exist at
the time these options may be exercised.

16
CAPITAL SENIOR LIVING CORPORATION
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
AND RESULTS OF OPERATIONS (continued)


Each Triad Entity finances the development of new communities through a
combination of equity funding, traditional construction loans and permanent
financing with institutional lenders secured by first liens on the communities
and unsecured loans from the Company. The Company loans may be prepaid without
penalty. The financings from institutional lenders are secured by first liens on
the communities, are solely the responsibility of the Triad Entities and are not
guaranteed by the Company. The financing agreements the Triad Entities have with
the institutional lenders also include the assignment to the lenders of the
construction contracts and the development and management agreements with the
Company. The management agreements contain an obligation of the Company to make
operating deficit loans to the Triad Entities if other funding sources available
to the Triad Entities have been fully exhausted. These operating deficit loan
obligations include making loans to fund debt service obligations to the
lenders.







17
CAPITAL SENIOR LIVING CORPORATION
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
AND RESULTS OF OPERATIONS (continued)

The chart below sets forth information about Company loans made to the Triad
Entities and financings from institutional lenders obtained by the Triad
Entities (dollars in thousands):

<TABLE>
<CAPTION>


Notes Receivable Loan Facilities
--------------------------------------------------- ----------------------------------------
Balance
Committed Sept. 30, Interest
Entity Amount 2001 Maturity Rate Amount Type Lender
------ ------ ---- -------- ---- ------ ---- ------
<S> <C> <C> <C> <C> <C> <C> <C>

Triad Senior
Living I, L.P.
(Triad I) $ -- $11,900(1) -- 8.0% $50,000 permanent GMAC


Triad Senior September 25, Key
Living II, L.P. $15,000 $15,000 2003 8.0% $26,800 mini-perm Bank
(Triad II) 433(1) 8.0%


Triad Senior
Living III, February 8, Guaranty
L.P. $15,000 $15,000 2004 8.0% $56,300 mini-perm Federal
(Triad III) 2,195(1) 8.0%

Triad Senior
Living IV, L.P.
(Triad IV) December 30, construction, Compass
$10,000 $ 7,686 2003 8.0% $18,600 mini-perm Bank

Triad Senior
Living V, L.P.
(Triad V) June 30, Bank of
$10,000 $ 4,101 2004 8.0% $ 9,333 mini-perm America
<FN>

- ---------------
(1) Pursuant to operating deficit loan obligations.
</FN>
</TABLE>

Triad V was notified by the lender, at the end of the third quarter, of its
failure to comply with certain terms of its loan agreement with the lender. The
lender, however, has expressed its intention to work with the borrower in order
to reach a mutually agreeable forbearance agreement with respect to this loan.

Pending Mergers

On February 9, 2001, the Company announced that it was terminating its
merger agreement with ILM II. A tax issue disclosed in ILM II's Form 10-K filed
on January 31, 2001 could cause a material adverse change under the merger
agreement with ILM II, and therefore put the Company in the position of having
to terminate the merger. The Company does not expect to incur any additional
costs related to this terminated merger. The Company continues to manage the
five ILM II communities pursuant to the existing management agreement.


18
CAPITAL SENIOR LIVING CORPORATION
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
AND RESULTS OF OPERATIONS (continued)


New Pronouncements

The Financial Accounting Standards Board issued Statement 133, "Accounting for
Derivative Instruments and Hedging Activities" in June 1998. The Statement is
effective for all fiscal quarters of all fiscal years beginning after June 15,
2000. As a result of the Company's minimal use of derivatives, the adoption of
FAS 133 by the Company in the first quarter of fiscal 2001 did not have a
material effect on the Company's earnings or financial position.

In June 2001, the Financial Accounting Standards Board issued Statements of
Financial Accounting Standards No. 141, "Business Combinations", and No. 142,
"Goodwill and Other Intangible Assets", effective for years beginning after
December 15, 2001. Under the new rules, goodwill and intangible assets deemed to
have indefinite lives will no longer be amortized but will be subject to annual
impairment tests in accordance with the Statements. Other intangible assets will
continue to be amortized over their useful lives. The Company will apply the new
rules on accounting for goodwill and other intangible assets beginning in the
first quarter of 2002. Application of the non-amortization provisions of the
Statement is expected to result in an increase in net income, but the amount has
not yet been determined, as previous business combinations have not yet been
analyzed under the new rules. During 2002, the Company will perform the first of
the required impairment tests of goodwill and indefinite lived intangible assets
as of January 1, 2002 and has not yet determined what the effects of these tests
will be on the earnings and financial position of the Company.

Forward-Looking Statements

Certain information contained in this report constitutes "Forward-Looking
Statements" within the meaning of Section 27A of the Securities Act of 1933, as
amended, and Section 21E of the Securities Exchange Act of 1934, as amended,
which can be identified by the use of forward-looking terminology such as "may,"
"will," "expect," "anticipate," "estimate" or "continue" or the negative thereof
or other variations thereon or comparable terminology. The Company cautions
readers that forward-looking statements, including, without limitation, those
relating to the Company's future business prospects, revenues, working capital,
liquidity, capital needs, interest costs and income, are subject to certain
risks and uncertainties that could cause actual results to differ materially
from those indicated in the forward-looking statements, due to several important
factors herein identified, among others, and their risks and factors identified
from time to time in the Company's reports filed with the Securities and
Exchange Commission.




19
CAPITAL SENIOR LIVING CORPORATION


Item 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK.

The Company's primary market risk is exposure to changes in interest rates on
debt instruments. As of September 30, 2001, the Company had $184.1 million in
outstanding debt comprised of various fixed and variable rate debt instruments
of $56.1 million and $128.0 million, respectively.

Changes in interest rates would affect the fair market value of the Company's
fixed rate debt instruments, but would not have an impact on the Company's
earnings or cash flows. Fluctuations in interest rates on the Company's variable
rate debt instruments, which are tied to either the LIBOR or the prime rate,
would affect the Company's earnings and cash flows, but would not affect the
fair market value of the variable rate debt. For each percentage point change in
interest rates, the Company's annual interest expense would change by
approximately $1.3 million based on its current outstanding variable debt.






20
CAPITAL SENIOR LIVING CORPORATION
OTHER INFORMATION (continued)

OTHER INFORMNATION

PART II. OTHER INFORMATION

Item 1. LEGAL PROCEEDINGS

On or about October 23, 1998, Robert Lewis filed a putative class action
complaint on behalf of certain holders of assignee interests (the "Assignee
Interests") in NHP in the Delaware Court of Chancery against NHP, the Company,
Capital Senior Living Properties 2-NHPCT, Inc. and Capital Realty Group Senior
Housing, Inc. (collectively, the "Defendants"). Mr. Lewis purchased ninety
Assignee Interests in NHP in February 1993 for $180. The complaint alleges,
among other things, that the Defendants breached, or aided and abetted a breach
of, the express and implied terms of the NHP Partnership Agreement in connection
with the sale of four properties by NHP to Capital Senior Living Properties
2-NHPCT, Inc. The complaint seeks, among other relief, rescission of the sale of
those properties and unspecified damages. The Company believes the complaint is
without merit and is vigorously defending itself in this action. The Company has
filed a Motion to Dismiss in this case, which is currently pending. The Company
is unable to estimate any liability related to this claim, if any.

The Company has pending claims incurred in the normal course of business, that,
in the opinion of management, based on the advice of legal counsel, will not
have a material effect on the financial statements of the Company.

Item 2. CHANGES IN SECURITIES (And use of proceeds)

Not Applicable

Item 3. DEFAULTS UPON SENIOR SECURITIES

Not Applicable

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

Not Applicable

Item 5. OTHER INFORMATION

Not Applicable

Item 6. EXHIBITS AND REPORTS ON FORM 8-K

(A) Exhibits:
Not Applicable

(B) Reports on Form 8-K:
Not Applicable



21
CAPITAL SENIOR LIVING CORPORATION



Signature

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

Capital Senior Living Corporation
(Registrant)


By: /s/ Ralph A. Beattie
---------------------------------------
Ralph A. Beattie
Executive Vice President and Chief Financial Officer
(Principal Financial Officer and Duly Authorized Officer)

Date: November 13, 2001