-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, FY0iHKIoLm5r13KoQ96vH84aeykNKMNJNo2RdDdUrIY4L4kKHcV100jk68a2cbC9 1At63pbvJQg3SblMm4EbBQ== 0001064015-08-000046.txt : 20081119 0001064015-08-000046.hdr.sgml : 20081119 20081119165422 ACCESSION NUMBER: 0001064015-08-000046 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 7 CONFORMED PERIOD OF REPORT: 20080930 FILED AS OF DATE: 20081119 DATE AS OF CHANGE: 20081119 FILER: COMPANY DATA: COMPANY CONFORMED NAME: AMERITRANS CAPITAL CORP CENTRAL INDEX KEY: 0001064015 IRS NUMBER: 522102424 STATE OF INCORPORATION: DE FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 814-00193 FILM NUMBER: 081201530 BUSINESS ADDRESS: STREET 1: 747 THIRD AVENUE STREET 2: 4TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10017 BUSINESS PHONE: 2123552449 MAIL ADDRESS: STREET 1: 747 THIRD AVENUE STREET 2: 4TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10017 10-Q 1 finalnovember19200810q.htm FORM 10-Q EDGAR U

U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 10-Q

T Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended September 30, 2008

or

¨ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the transition period from ____________ to _______________

Commission File Number 0-22153

AMERITRANS CAPITAL CORPORATION
(Exact name of registrant as specified in its charter)

Delaware
(State of incorporation)

52-2102424
(I.R.S. Employer Identification No.)

747 Third Avenue, New York, New York 10017
(Address of Registrant’s principal executive office) (Zip Code)

(212) 355-2449
(Registrant’s telephone number, including area code)

N/A
(Former name, former address and former fiscal year, if changed since last report)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 (the “Act”) 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 T No ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer (as defined in Rule 12b-2 of the Act).
Large accelerated filer ¨ Accelerated filer ¨ Non-accelerated filer T Smaller reporting company ¨
(Do not check if a small reporting company.)

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).  Yes ¨ No T

The number of shares of registrant’s common stock, par value $.0001 per share, outstanding as of November 10, 2008 was 3,405,583.  The number of shares of Registrants 9⅜ cumulative participating redeemable preferred stock outstanding as of November 10, 2008 was 300,000.



 


AMERITRANS CAPITAL CORPORATION AND SUBSIDIARIES

FORM 10-Q

TABLE OF CONTENTS

PART I. FINANCIAL INFORMATION

1

ITEM 1.

FINANCIAL STATEMENTS

1

ITEM 2.

MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS  29

ITEM 3.

QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT MARKET RISK

35

ITEM 4.

CONTROLS AND PROCEDURES

36

PART II. OTHER INFORMATION

39

Item 1. Legal Proceedings

39

Item 1A. Risk Factors

39

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds

39

Item 3. Default upon Senior Securities

39

Item 4. Submission of Matters to a Vote of Security Holders

39

Item 5. Other Information

39

Item 6. Exhibits

40

Exhibit Index

40

(a)

Exhibits

40

SIGNATURES

41




 


PART I. FINANCIAL INFORMATION

ITEM 1.

FINANCIAL STATEMENTS

AMERITRANS CAPITAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS

ASSETS

 

September 30, 2008 

June 30, 2008 

 

(unaudited)

 

Assets

 

 

 

 

 

Investments at fair value (cost of $59,255,744 and $60,431,182, respectively):

 

 

Non-controlled/non-affiliated investments

$  56,055,951 

 $ 56,782,716 

Non-controlled affiliated investments

 1,468,906 

 1,424,264 

Controlled affiliated investments

 696,756 

 1,391,307 

 

 

 

Total investments at fair value

 58,221,613 

 59,598,287 

 

 

 

Cash and cash equivalents

 1,499,038 

 665,893 

Accrued interest receivable

 676,665 

 602,956 

Assets acquired in satisfaction of loans

 38,250 

 38,250 

Furniture, equipment and leasehold improvements, net

 149,660 

 156,125 

Deferred loan costs, net

 176,426 

 186,760 

Prepaid expenses and other assets

 722,359 

 733,197 

 

 

 

Total assets

$  61,484,011 

 $ 61,981,468 


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



1

 


AMERITRANS CAPITAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS

LIABILITIES AND STOCKHOLDERS’ EQUITY

 

September 30, 2008 

June 30,
2008 

Liabilities and Stockholders Equity

(unaudited)

 

 

 

 

Liabilities:

 

 

Debentures payable to SBA

 $ 12,000,000 

 $ 12,000,000 

Notes payable, banks

 28,525,697 

 28,095,697 

Note payable – related party

 - 

 100,000 

Accrued expenses and other liabilities

 509,184 

 640,576 

Accrued interest payable

 121,623 

 262,528 

Dividends payable

 84,375 

 84,375 

 

 

 

Total liabilities

 41,240,879 

 41,183,176 

 

 

 

Commitments and contingencies (Notes 2, 3, 4 and 7)

 

 

 

 

 

Stockholders equity:

 

 

Preferred stock 9,500,000 shares authorized, none issued or outstanding

 - 

 - 

9-3/8% cumulative participating redeemable preferred stock $.01 par value, $12.00 face value, 500,000 shares authorized; 300,000 shares issued and outstanding

 3,600,000 

 3,600,000 

Common stock, $.0001 par value; 45,000,000 shares authorized, 3,405,583 shares issued; 3,395,583 shares outstanding

 341 

 341 

Deferred compensation (Note 8)

 (33,100)

 (40,921)

Stock options outstanding (Note 8)

 141,668 

 141,668 

Additional paid-in capital

 21,139,504 

 21,139,504 

Losses and distributions in excess of earnings

 (3,257,737)

 (2,895,992)

Net unrealized depreciation on investments

 (1,277,544)

 (1,076,308)

Total

 20,313,132 

 20,868,292 

Less:  Treasury stock, at cost, 10,000 shares of common stock

 (70,000)

 (70,000)

 

 

 

Total stockholders’ equity

 20,243,132 

 20,798,292 

 

 

 

Total liabilities and stockholders’ equity

 $ 61,484,011 

 $ 61,981,468 

 

 

 

Net asset value per common share

 $ 4.90 

 $ 5.06 


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



2

 


AMERITRANS CAPITAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF OPERATIONS

 

For the three months ended

 

September 30,
2008

September 30,
2007

Investment income:

(unaudited)

(unaudited)

Interest on loans receivable:

 

 

Non-controlled/non-affiliated investments

 $ 1,344,537 

 $ 1,483,215 

Non-controlled affiliated investments

 4,280 

 2,771 

Controlled affiliated investments

 30,095 

 58,589 

 

 1,378,912 

 1,544,575 

Fees and other income

 80,549 

 96,843 

Total investment income

 1,459,461 

 1,641,418 

Expenses:

 

 

Interest

 487,279 

 630,061 

Salaries and employee benefits

 483,961 

 425,126 

Occupancy costs

 74,035 

 69,018 

Professional fees

 434,934 

 202,156 

Other administrative expenses

 278,085 

 191,532 

Total expenses

 1,758,294 

 1,517,893 

Net investment income (loss)

 (298,833)

 123,525 

Net realized gains (losses) on investments:

 

 

Non-controlled/non-affiliated investments

 13,148 

 (41,447)

Non-controlled affiliated investments

 - 

 - 

Controlled affiliated investments

 8,315 

 145,191 

 

 21,463 

 103,744 

Net unrealized depreciation on investments

 (201,236)

 (223,352)

Net realized/unrealized losses on investments

 (179,773)

 (119,608)

Net increase (decrease) in net assets from operations

 (478,606)

 3,917 

Distributions to preferred shareholders

 (84,375)

 (84,375)

Net decrease in net assets from operations available to

common shareholders

 $ (562,981)

 $ (80,458)

 

 

 

Weighted Average Number of Common Shares Outstanding:

 

 

Basic and diluted

  3,395,583 

  3,393,348 

Net Decrease in Net Assets from Operations Per Common Share:

 

 

Basic and diluted

 $ (0.17)

 $ (0.02)


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



3

 


AMERITRANS CAPITAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN NET ASSETS

 

For the three months ended

 

September 30,
2008

September 30,
2007

 

(unaudited)

(unaudited)

Increase (decrease) in net assets from operations:

 

 

Net investment income (loss)

 $ (298,833)

 $ 123,525 

Net realized gains from investments

 21,463 

 103,744 

Unrealized depreciation on investments

 (201,236)

 (223,352)

 

 

 

Net increase (decrease) in net assets from operations

 (478,606)

 3,917 

 

 

 

Shareholder distributions:

 

 

Distributions to preferred shareholders

 (84,375)

 (84,375)

 

 

 

Capital share transactions:

 

 

Proceeds from stock options exercised

 - 

 19,688 

Stock options compensation expense

 7,821 

 - 

 

 

 

Net decrease in net assets from capital shares transactions

 (76,554)

 (64,687)

 

 

 

Total decrease in net assets

 (555,160)

 (60,770)

 

 

 

Net assets:

 

 

Beginning of period

 20,798,292 

 21,644,840 

 

 

 

End of period

 $ 20,243,132 

 $ 21,584,070 

 

 

 

 

 

 

Capital share activity:

 

 

Common shares issued upon exercise of stock options

 - 

 4,375 

 

 

 

Net increase in capital share activity

 - 

 4,375 


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



4

 


AMERITRANS CAPITAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS

 

For the three months ended

 

September 30,
2008

September 30,
2007

 

(unaudited)

(unaudited)

Cash flows from operating activities:

 

 

Net increase (decrease) in net assets from operations

 $ (478,606)

 $ 3,917 

Adjustments to reconcile net increase (decrease) in net assets from operations to net cash provided by (used in) operating activities:

 

 

Depreciation and amortization

 17,917 

 18,078 

Deferred compensation

 7,821 

 - 

Net realized gains on investments

 (21,463)

 (103,744)

Net unrealized depreciation on investments

 201,236 

 223,352 

Change in investments, net

 1,196,901 

 2,042,813 

Assets acquired in satisfaction of loans

 - 

 17,780 

Changes in operating assets and liabilities:

 

 

Accrued interest receivable

 (73,709)

 (33,597)

Prepaid expenses and other assets

 10,838 

 (130,579)

Accrued expenses and other liabilities

 (131,392)

 15,603 

Accrued interest payable

 (140,905)

 (212,769)

Total adjustments

 1,067,244 

 1,836,937 

Net cash provided by operating activities

 588,638 

 1,840,854 

Cash flows from investing activities:

 

 

Purchases of furniture and equipment

 (1,118)

 (2,630)

Net cash used in investing activities

 (1,118)

 (2,630)

Cash flows from financing activities:

 

 

Proceeds from stock options exercised

 - 

 19,688 

Proceeds from note payable, related parties

 - 

 500,000 

Repayment of note payable, related parties

 (100,000)

 (150,000)

Proceeds from notes payable, banks

 2,150,000 

 4,393,197 

Repayment of notes payable, banks

 (1,720,000)

 (5,800,000)

Dividends paid

 (84,375)

 (84,375)

Net cash provided by (used in) financing activities

 245,625 

 (1,121,490)

Net increase in cash and cash equivalents

 833,145 

 716,734 

Cash and cash equivalents:

 

 

Beginning of period

 665,893 

 251,394 

End of period

 $ 1,499,038 

 $ 968,128 

 

 

 

Supplemental disclosure of cash flow information:

 

 

Cash paid during the period for:

 

 

Interest

 $ 628,184 

 $ 848,398 

 

 

 

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



5

 


AMERITRANS CAPITAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENT OF INVESTMENTS

Portfolio Company (1)

Investment
Investment Rate/Maturity

Portfolio Valuation as of
September 30, 2008

Principal

Net Cost

Value

Medallion Loans Receivable (135.5%)(5)

 

 

 

 

Boston Taxicab Medallion Portfolio

26 Medallion Loans
8.19% Weighted Average Rate

$

3,806,539

$

3,806,539

$

3,770,913

 

 




Chicago Taxicab Medallions

193 Medallion Loans
7.83% Weighted Average Rate

16,344,983

16,344,983

16,192,010

 

 




Florida Taxicab

75 Medallion Loans
9.34% Weighted Average Rate

7,530,726

7,530,726

7,460,623

 

 

 

27,682,248

27,423,546

Commercial Loans  Receivable (64.6%)(5)

 

 



Across the  Town

Chicago Taxicab Operations

Collateralized Business Loan

8.0%, due 6/15

15,038

15,038

15,038

A Lot of Cars LLC
Black Car Leasing

Collateralized Business Loan

7.0%, due 6/09

107,050

107,050

75,500

Hi-Tech Laundromat Inc.
Laundromat

Collateralized Business Loan

11.0%, due 11/08

120,133

120,133

120,133

PPCP Inc.
Computer Software

Business Loan

8.0%, due 7/08

17,376

17,376

-

PPCP Inc.
Computer Software

Business Loan

8.0%, due 7/08

14,272

14,272

-

Lucky Coin Laundry Inc.
Laundromat

Collateralized Business Loan

8.0%, due 9/11

99,080

99,080

99,080

AKBA International Inc.
Retail Food Service

Collateralized Business Loan

11.25%, due 5/09

956

956

956

6717 Laundromat & Dry Cleaning
Laundromat

Collateralized Business Loan

11.0%, due 4/11

23,460

23,460

23,460

Colgate Dry Cleaners Corp.
Dry Cleaners

Collateralized Business Loan

10.5%, due 1/09

1,286

1,286

1,286

Geronimo ATM Fund LLC
ATM Operator

Collateralized Business Loan

12.0%, due 5/09

146,822

146,822

30,000

Cleaners of North Beach, LLC
Dry Cleaners

Collateralized Business Loan

5.5%, due 5/11

31,958

31,958

31,958

Crown Cleaners of Miami Lakes
Dry Cleaners

Collateralized Business Loan
6.0%, due 7/11

3,996

3,996

3,996

Crown Cleaners of Miami Lakes
Dry Cleaners

Collateralized Business Loan
6.0%, due 7/11

26,200

26,200

26,200

City Brite Cleaners Inc.
Dry Cleaners

Collateralized Business Loan

11.0%, due 7/09

6,386

6,386

6,386

Whiter Than Snow Laundry, Inc.
Laundromat

Collateralized Business Loan

9.0%, due 12/12

64,280

64,280

-

Andy Fur Dry Cleaning, Inc.
Dry Cleaners

Collateralized Business Loan
14.5%, due 1/10

16,137

16,137

16,137

Vivas & Associates, Inc.
Nail Salon

Collateralized Business Loan
9.0%, due 1/10

12,385

12,385

6,385

PPCP, Inc.
Computer Software

Business Loan

8.0%, due 1/10

5,965

5,965

-

Monticello Desserts, Inc.
Retail Bakery

Collateralized Business Loan
14.0%, due 4/10

71,668

71,668

71,668

Cooper Ave. Wash, Inc.
Laundromat

Business Loan

10.0%, due 3/12

287,262

287,262

287,262

Best Choice Dry Cleaners
Dry Cleaners

Collateralized Business Loan
11.0%, due 5/10

12,143

12,143

12,143

Chao Tenga LLC d/b/a AsianChao
Retail Fast Food

Collateralized Business Loan
15.5%, due 5/10

179,639

179,639

179,639

JNJ Associates Inc.
Laundromat

Collateralized Business Loan
7.5%, due 6/12

73,913

73,913

50,000

Just Salad LLC
Retail Food Service

Collateralized Business Loan

10.0%, due 10/10

320,925

320,925

320,925

MGM/Clean-Rite Laundromat
Laundromat

Subordinate Real Estate Mortgage
14.0%, due 10/07

43,140

43,140

43,140

Scotto Pizza of Woodbridge Inc.
Retail Food Service

Collateralized Business Loan

12.75%, due 3/09

3,771

3,771

3,771

Mi Tren Greenlawn, Inc.
Retail Fast Food

Subordinate Real Estate Mortgage
13.75%, due 2/11

55,554

55,554

55,554

E&Y General Construction Co.
Construction Services

Senior Real Estate Mortgage
10.5%, due 10/10

870,791

870,791

870,791

Lifehouse-Golden Acres Prop.
Assisted Living Facility

Senior Real Estate Mortgage – Participation
11.0%, due 7/08

770,840

770,840

770,840

Sealmax, Inc.
Construction Services

Senior Real Estate Mortgage
12.0%, due 4/11

435,724

435,724

435,724

Sealmax, Inc.
Construction Services

Senior Real Estate Mortgage
12.0%, due 4/11

325,000

325,000

325,000

Pier-Tech, Inc.
Specialty Construction Services

Subordinate Real Estate Mortgage – Participation 12.0%, due 8/10

273,272

273,272

273,272

Soundview Broadcasting LLC
Television and Broadcasting

Senior Real Estate Mortgage
7.75%, due 9/11

1,978,856

1,978,856

1,978,856

Golden Triangle Enterprises LLC
Retail Food Service

Senior Real Estate Mortgage
7.01%, due 12/13

369,435

369,435

369,435

Goldhkin Wholesale Ent. Inc.
Retail Gasoline

Senior Real Estate Mortgage
10.25%, due 7/12

674,556

674,556

674,556

Sealmax, Inc.
Construction Services

Subordinate Real Estate Mortgage
12.0%, due 4/11

156,253

156,253

156,253

Conklin Services & Construction Inc.
Specialty Construction and Maintenance

Collateralized Business Loan

12%, due 10/08

1,718,219

1,718,219

1,718,219

Mountain View Bar & Grill Inc.
Retail Food Service

Collateralized Business Loan

12.0%, due 5/09

412,500

412,500

412,500

J. JG. Associates, Inc.
Consumer Receivable Collections

Senior Loan
no stated rate, no maturity

212,236

212,236

100,250

J. JG. Associates, Inc.
Consumer Receivable Collections

Senior Loan
no stated rate, no maturity

39,071

39,071

23,600

Natural Person
Real Estate Mortgage

Senior Real Estate Mortgage

12.0%, due 11/08

665,000

665,000

665,000

Lifehouse – Golden Acres Prop.
Assisted Living Facility

Senior Real Estate Mortgage – Participation
11.0%, due 7/08

137,640

137,640

137,640

Car-Matt Real Estate LLC
Real Estate Mortgage

Senior Real Estate Mortgage

12.0%, due 11/08

135,577

135,577

135,577

633 Mead Street, LLC (3)
First lien mortgage

Senior Real Estate Mortgage

12.0%, due 8/08

215,000

215,000

215,000

CMCA, LLC (3)
Consumer Receivable Collections

Collateralized Business Loan

12%, no stated maturity

351,113

351,113

351,113

CMCA, LLC #2 (3)
Consumer Receivable Collections

Collateralized Business Loan

12%, no stated maturity

119,843

119,843

119,843

Adiel Homes Inc.
Construction Services

Senior Real Estate Mortgage
12%, due 1/09

250,000

250,000

250,000

Puretech Enterprises LLC
Water Cooler Distributor

Collateralized Business Loan

12.5%, due 6/10

200,000

200,000

200,000

Puretech Enterprises LLC
Water Cooler Distributor

Collateralized Business Loan

12.5%, due 7/10

200,000

200,000

200,000

Western Pottery LLC(2)
Ceramic Sanitaryware Distributor

Subordinated Business Loan

5.0%, due 7/08

53,575

53,575

53,575

Puretech Enterprises LLC
Water Cooler Distributor

Collateralized Business Loan

12.5%, due 9/10

200,000

200,000

200,000

Western Pottery LLC(2)
Ceramic Sanitaryware Distributor

Subordinated Business Loan

5.0%, due 11/08

107,142

107,142

107,142

Western Pottery LLC(2)
Ceramic Sanitaryware Distributor

Subordinated Business Loan

5.0%, due 3/09

56,250

56,250

56,250

Western Pottery LLC(2)
Ceramic Sanitaryware Distributor

Subordinated Business Loan

5.0%, due 6/09

37,500

37,500

37,500

N.A. Trading Finance LLC
Inventory Finance

Collateralized Business Loan
12.0%, due 9/09

25,000

25,000

25,000

Conklin Services & Construction Inc. – Dem Specialty Construction and Maintenance

Collateralized Business Loan
12.0%, due 1/09

43,488

43,488

43,488

Conklin Services & Construction Inc. – Dem Note B Specialty Construction and Maintenance

Collateralized Business Loan
12.0%, due 1/09

12,424

12,424

12,424

Greaves-Peters Laundry Systems
Laundromat

Collateralized Business Loan
10.9%, due 6/13

400,000

400,000

400,000

Western Pottery LLC (2)
Ceramic Sanitaryware Distributor

Subordinated Business Loan
4.50%, due 7/09

107,142

107,142

107,142

Other Miscellaneous Loans (6)

 

178,728

178,728

178,728

 

Total Commercial Loans


13,492,970

13,085,335

Corporate Loans Receivable (66.8%)(5)

 




Charlie Brown’s Acquisition Co.
Retail Food Service

Term Loan B
6.67%, due 10/13

2,000,444

2,000,444

2,000,444

Resco Products Inc.
Diversified Manufacturing

Term Loan, First Lien

5.95%, due 6/13

1,875,000

1,875,000

1,875,000

Alpha Media Group Inc.
Publishing

Term Loan, First Lien

5.75%, due 8/14

1,876,667

1,774,429

1,876,667

Centaur LLC
Gaming

Term Loan, First Lien

6.7%, due 10/12

1,395,842

1,361,703

1,395,842

X-Rite Inc.
Process Control Instruments

Term Loan, First Lien

7.95%, due 10/12

1,956,564

1,948,228

1,956,569

BP Metals LLC
Diversified Manufacturing

Term Loan, First Lien

8.76%, due 6/13

967,500

987,500

987,500

Test Center LLC
Data Collection Services

Term Loan, First Lien

5.45%, due 10/13

942,482

902,006

942,482

Learning Care Group
Private Education

Term Loan, First Lien

8.4%, due 6/15

997,500

958,770

997,500

Hudson Products Holdings Inc.
Diversified Manufacturing

Term Loan, First Lien

8.9%, due 8/15

1,500,000

1,455,143

1,500,000

 

Total Corporate Loans


13,263,223

13,532,004

 

 




 

Total loans receivable


54,438,441

54,040,885

Life Insurance Settlement Contracts (14.4%)(5)

 




Vibrant Capital Corp. (J.V. #1)(4)

8 life insurance policies, aggregate
face value of $40,750,000


2,911,296

2,911,296

Equity Investments (6.3%)(5)

 




MBS Steeplecrest, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


-

-

MBS Huntwick, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


-

-

MBS Cranbrook Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


-

-

MBS Serrano, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


50,600

34,822

MBS Colonnade, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


50,000

4,395

MBS Briar Meadows, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


-

-

MBS Indian Hollow, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


-

-

MBS Sage Creek, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


50,000

35,841

MBS Walnut Creek, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


25,000

12,345

MBS Lodge At Stone Oak, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


60,000

40,408

238 W. 108 Realty LLC (2)
Residential Real Estate Development

5% LLC Interest


100,000

100,000

Asset Recovery & Management, LLC (3)
Consumer Receivable Collections

30.0% LLC Interest


6,000

6,000

633 Mead Street, LLC  (3)
Real Estate Development

57.1% LLC Interest


800

800

CMCA, LLC (3)
Consumer Receivable Collections

30% LLC Interest


4,000

4,000

Soha Terrace II LLC (2)
Real Estate Development

6% LLC Interest


700,000

700,000

Western Pottery LLC(2)
Ceramic Sanitaryware Distributor

21.8% LLC Interest


467,080

307,297

Fusion Telecommunications
Internet Telephony

69,736 Shares of Common Stock


367,027

18,024

EraGen Biosciences
Analytic Compounds

17,000 shares of common stock


25,500

5,500

 

Total equity investments


1,906,007

1,269,432

 

Total investments


$

59,255,744

$

58,221,613


(1)Unless otherwise noted, all investments are pledged as collateral for the Notes payable, banks.

(2)As defined in the Investment Company Act of 1940, we are an affiliate of this portfolio company because we own 5% or more of the portfolio company’s outstanding voting securities.

(3)As defined in the Investment Company Act of 1940, we maintain “control” of this portfolio company because we own more than 25% of the portfolio company’s outstanding voting securities.

(4)The Company receives interest at a rate of 12% per annum pursuant to an agreement with another company.

(5)Percentage of net assets.

(6)Other small balance loans.



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

6

W:\AMERITRANS\SEC filings\10-Q's\10Q November 2008\Final November 19, 2008 10Q.doc


AMERITRANS CAPITAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENT OF INVESTMENTS

Portfolio Company (1)

Investment
Investment Rate/Maturity

Portfolio Valuation as of
June 30, 2008

Principal

Net Cost

Value

Medallion Loans Receivable (143.4%)(5)

 

 

 

 

Boston Taxicab Medallion Portfolio

26 Medallion Loans
8.19% Weighted Average Rate

$

4,557,009

$

4,557,009

$

4,597,158

 

 




Chicago Taxicab Medallions

193 Medallion Loans
7.83% Weighted Average Rate

17,239,802

17,239,802

17,391,690

 

 




Florida Taxicab

75 Medallion Loans
9.34% Weighted Average Rate

7,812,514

7,812,514

7,881,494

 

 

 

29,609,325

29,870,342

Commercial Loans  Receivable (66.7%)(5)

 

 

 

 

Across the  Town

Chicago Taxicab Operations

Collateralized Business Loan

8.0%, due 6/15

15,038

15,038

15,038

Jade R. Inc. d/b/a Eagle Cleaner
Laundromat

Collateralized Business Loan

9.5%, due 7/03

3,974

3,974

3,974

1519 Avenue J. Laundromat
Laundromat

Collateralized Business Loan

12.5%, due 9/01

63,123

63,123

63,123

A Lot of Cars LLC
Black Car Leasing

Collateralized Business Loan

7.0%, due 6/09

110,050

110,050

75,500

Hi-Tech Laundromat Inc.
Laundromat

Collateralized Business Loan

11.0%, due 11/08

134,410

134,410

134,410

PPCP Inc.
Computer Software

Business Loan

8.0%, due 7/08

17,569

17,569

-

PPCP Inc.
Computer Software

Business Loan

8.0%, due 7/08

14,272

14,272

-

Lucky Coin Laundry Inc.
Laundromat

Collateralized Business Loan

8.0%, due 9/11

99,080

99,080

99,080

AKBA International Inc.
Retail Food Service

Collateralized Business Loan

11.25%, due 5/09

7,563

7,563

7,563

6717 Laundromat & Dry Cleaning
Laundromat

Collateralized Business Loan

11.0%, due 4/11

249,339

249,339

249,339

Colgate Dry Cleaners Corp.
Dry Cleaners

Collateralized Business Loan

10.5%, due 1/09

2,917

2,917

2,917

Geronimo ATM Fund LLC
ATM Operator

Collateralized Business Loan

12.0%, due 5/09

146,822

146,822

30,000

Cleaners of North Beach, LLC
Dry Cleaners

Collateralized Business Loan

5.5%, due 5/11

34,370

34,370

34,370

Crown Cleaners of Miami Lakes
Dry Cleaners

Collateralized Business Loan
6.0%, due 7/11

4,290

4,290

4,290

Crown Cleaners of Miami Lakes
Dry Cleaners

Collateralized Business Loan
6.0%, due 7/11

28,426

28,426

28,426

City Brite Cleaners Inc.
Dry Cleaners

Collateralized Business Loan

11.0%, due 7/09

8,191

8,191

8,191

Whiter Than Snow Laundry, Inc.
Laundromat

Collateralized Business Loan

9.0%, due 12/12

64,912

64,912

-

Andy Fur Dry Cleaning, Inc.
Dry Cleaners

Collateralized Business Loan
14.5%, due 1/10

19,027

19,027

19,027

Vivas & Associates, Inc.
Nail Salon

Collateralized Business Loan
9.0%, due 1/10

12,385

12,385

6,385

PPCP, Inc.
Computer Software

Business Loan

8.0%, due 1/10

5,965

5,965

-

Monticello Desserts, Inc.
Retail Bakery

Collateralized Business Loan
14.0%, due 4/10

79,401

79,401

79,401

Cooper Ave. Wash, Inc.
Laundromat

Business Loan

10.0%, due 3/12

305,333

305,333

305,333

Best Choice Dry Cleaners
Dry Cleaners

Collateralized Business Loan
11.0%, due 5/10

14,375

14,375

14,375

Chao Tenga LLC d/b/a AsianChao
Retail Fast Food

Collateralized Business Loan
15.5%, due 5/10

205,382

205,382

205,382

JNJ Associates Inc.
Laundromat

Collateralized Business Loan
7.5%, due 6/12

73,913

73,913

50,000

Just Salad LLC
Retail Food Service

Collateralized Business Loan

10.0%, due 10/10

320,925

320,925

320,925

MGM/Clean-Rite Laundromat
Laundromat

Subordinate Real Estate Mortgage
14.0%, due 10/07

44,624

44,624

44,624

Elite Limousine Plus Inc.
Black Car Service

Collateralized Business Loan

11.0%, due 7/08

318,270

318,270

318,270

Scotto Pizza of Woodbridge Inc.
Retail Food Service

Collateralized Business Loan

12.75%, due 3/09

5,569

5,569

5,569

Mi Tren Greenlawn, Inc.
Retail Fast Food

Subordinate Real Estate Mortgage
13.75%, due 2/11

91,606

91,606

91,606

E&Y General Construction Co.
Construction Services

Senior Real Estate Mortgage
10.5%, due 10/10

880,791

880,791

880,791

Lifehouse-Golden Acres Prop.
Assisted Living Facility

Senior Real Estate Mortgage – Participation
11.0%, due 7/08

770,840

770,840

770,840

Sealmax, Inc.
Construction Services

Senior Real Estate Mortgage
12.0%, due 4/11

435,032

435,032

435,032

Sealmax, Inc.
Construction Services

Senior Real Estate Mortgage
12.0%, due 4/11

325,000

325,000

325,000

Pier-Tech, Inc.
Specialty Construction Services

Subordinate Real Estate Mortgage – Participation 12.0%, due 8/10

304,682

304,682

304,682

Soundview Broadcasting LLC
Television and Broadcasting

Senior Real Estate Mortgage
7.75%, due 9/11

1,989,638

1,989,638

1,989,638

Golden Triangle Enterprises LLC
Retail Food Service

Senior Real Estate Mortgage
7.01%, due 12/13

381,316

381,316

381,316

Goldhkin Wholesale Ent. Inc.
Retail Gasoline

Senior Real Estate Mortgage
10.25%, due 7/12

686,666

686,666

686,666

Sealmax, Inc.
Construction Services

Subordinate Real Estate Mortgage
12.0%, due 4/11

155,815

155,815

155,815

Conklin Services & Construction Inc.
Specialty Construction and Maintenance

Collateralized Business Loan

12%, due 10/08

1,718,219

1,718,219

1,718,219

Mountain View Bar & Grill Inc.
Retail Food Service

Collateralized Business Loan

12.0%, due 5/09

412,500

412,500

412,500

J. JG. Associates, Inc.
Consumer Receivable Collections

Senior Loan
no stated rate, no maturity

218,986

218,986

107,000

J. JG. Associates, Inc.
Consumer Receivable Collections

Senior Loan
no stated rate, no maturity

39,071

39,071

23,600

Ogden Avenue CH, LLC
Real Estate Development

Collateralized Business Loan

11.0%, due 12/10

387,794

387,794

387,794

Soha Terrace II LLC
Real Estate Development

Senior Real Estate Mortgage

12.0%, due 4/08

62,500

62,500

62,500

Natural Person
Real Estate Mortgage

Senior Real Estate Mortgage

12.0%, due 11/08

665,000

665,000

665,000

Lifehouse – Golden Acres Prop.
Assisted Living Facility

Senior Real Estate Mortgage – Participation
11.0%, due 7/08

137,640

137,640

137,640

Car-Matt Real Estate LLC
Real Estate Mortgage

Senior Real Estate Mortgage

12.0%, due 11/08

135,577

135,577

135,577

633 Mead Street, LLC (3)
First lien mortgage

Senior Real Estate Mortgage

12.0%, due 8/08

215,000

215,000

215,000

CMCA, LLC (3)
Consumer Receivable Collections

Collateralized Business Loan

12%, no stated maturity

388,440

388,440

388,440

CMCA, LLC #2 (3)
Consumer Receivable Collections

Collateralized Business Loan

12%, no stated maturity

143,752

143,752

143,752

Adiel Homes Inc.
Construction Services

Senior Real Estate Mortgage
12%, due 1/09

250,000

250,000

250,000

Puretech Enterprises LLC(3)
Water Cooler Distributor

Collateralized Business Loan

12.5%, due 6/10

200,000

200,000

200,000

Puretech Enterprises LLC(3)
Water Cooler Distributor

Collateralized Business Loan

12.5%, due 7/10

200,000

200,000

200,000

Western Pottery LLC(2)
Ceramic Sanitaryware Distributor

Subordinated Business Loan

5.0%, due 7/08

53,575

53,575

53,575

Puretech Enterprises LLC(3)
Water Cooler Distributor

Collateralized Business Loan

12.5%, due 9/10

200,000

200,000

200,000

Western Pottery LLC(2)
Ceramic Sanitaryware Distributor

Subordinated Business Loan

5.0%, due 11/08

107,142

107,142

107,142

Western Pottery LLC(2)
Ceramic Sanitaryware Distributor

Subordinated Business Loan

5.0%, due 3/09

56,250

56,250

56,250

Western Pottery LLC(2)
Ceramic Sanitaryware Distributor

Subordinated Business Loan

5.0%, due 6/09

37,500

37,500

37,500

Other Miscellaneous Loans (6)

 

184,698

184,698

184,698

 

Total Commercial Loans


14,244,545

13,833,085

Corporate Loans Receivable (55.3%)(5)

 




Charlie Brown’s Acquisition Co.
Retail Food Service

Term Loan B
6.67%, due 10/13

2,000,000

2,000,000

2,000,000

Resco Products Inc.
Diversified Manufacturing

Term Loan, First Lien

5.95%, due 6/13

2,000,000

1,900,000

1,900,000

Alpha Media Group Inc.
Publishing

Term Loan, First Lien

5.75%, due 8/14

1,876,667

1,775,143

1,775,143

Centaur LLC
Gaming

Term Loan, First Lien

6.7%, due 10/12

2,061,224

2,025,033

1,954,157

X-Rite Inc.
Process Control Instruments

Term Loan, First Lien

7.95%, due 10/12

1,985,000

1,976,159

1,976,159

BP Metals LLC
Diversified Manufacturing

Term Loan, First Lien

8.76%, due 6/13

1,000,000

1,000,000

1,000,000

Test Center LLC
Data Collection Services

Term Loan, First Lien

5.45%, due 10/13

944,862

902,511

902,511

 

Total Corporate Loans


11,578,846

11,507,970

 

 




 

Total loans receivable


55,432,716

55,211,397

Life Insurance Settlement Contracts (13.7%)(5)

 




Vibrant Capital Corp. (J.V. #1)(4)

8 life insurance policies, aggregate
face value of $40,750,000



2,842,458

2,842,458

Equity Investments (7.4%)(5)

 




MBS Steeplecrest, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


-

-

MBS Huntwick, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


-

-

MBS Cranbrook Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


-

-

MBS Serrano, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


50,600

34,822

MBS Colonnade, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


50,000

4,395

MBS Briar Meadows, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


-

-

MBS Indian Hollow, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


-

-

MBS Sage Creek, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


50,000

35,841

MBS Walnut Creek, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


25,000

12,345

MBS Lodge At Stone Oak, Ltd.
Rental Real Estate Limited Partnership

Limited Partnership Interest


60,000

40,408

Brickman Real Estate Fund II LLP
Real Estate Acquisition & Management

Limited Partnership Interest


225,001

238,896

238 W. 108 Realty LLC (2)
Residential Real Estate Development

5% LLC Interest


100,000

100,000

Asset Recovery & Management, LLC (3)
Consumer Receivable Collections

30.0% LLC Interest


6,000

6,000

633 Mead Street, LLC  (3)
Real Estate Development

57.1% LLC Interest


800

800

CMCA, LLC (3)
Consumer Receivable Collections

30% LLC Interest


4,000

4,000

Soha Terrace II LLC (2)
Real Estate Development

6% LLC Interest


700,000

700,000

Western Pottery LLC(2)
Ceramic Sanitaryware Distributor

21.8% LLC Interest


467,080

307,297

Fusion Telecommunications
Internet Telephony

69,736 Shares of Common Stock


367,027

20,813

EraGen Biosciences
Analytic Compounds

17,000 shares of common stock


25,500

5,500

Puretech Enterprises LLC(3)
Water Cooler Distributor

40% Equity Interest


25,000

33,315

 

Total equity investments


2,156,008

1,544,432

 

Total investments


$

60,431,182

$

59,598,287


(1)Unless otherwise noted, all investments are pledged as collateral for the Notes payable, banks.

(2)As defined in the Investment Company Act of 1940, we are an affiliate of this portfolio company because we own 5% or more of the portfolio company’s outstanding voting securities.

(3)As defined in the Investment Company Act of 1940, we maintain “control” of this portfolio company because we own more than 25% of the portfolio company’s outstanding voting securities.

(4)The Company receives interest at a rate of 12% per annum pursuant to an agreement with another company.

(5)Percentage of net assets.

(6)Other small balance loans.



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

7

W:\AMERITRANS\SEC filings\10-Q's\10Q November 2008\Final November 19, 2008 10Q.doc




AMERITRANS CAPITAL CORPORATION AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

1.

Organization and Summary of Significant Accounting Policies

Financial Statements

The consolidated balance sheet of Ameritrans Capital Corporation (“Ameritrans”, the “Company”, “our”, “us”, or “we”) as of September 30, 2008, and the related consolidated statements of operations, statement of changes in net assets, and cash flows for the three months ended September 30, 2008 and 2007 have been prepared by the Company, without audit, pursuant to the rules and regulations of the Securities and Exchange Commission (the “Commission”). Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States have been condensed or omitted pursuant to such rules and regulations. In the opinion of management and the board of directors of the Company (“Management” and “Board of Directors”), the accompanying consolidated financial statements include all adjustments (consisting of normal, recurring adjustments) necessary to summarize fairly the Company’s financial position and results of operations. The results of operations for the three months ended September 30, 2008 are not necessarily indicative of the results of operations for the full year or any other interim period. These financial statements should be read in conjunction with the audited financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the fiscal year ended June 30, 2008, as filed with the Commission.

Organization and Principal Business Activity

Ameritrans Capital Corporation is a Delaware closed-end investment company formed in 1998, which, among other activities, makes loans and investments with the goal of generating both current income and capital appreciation.  Through our subsidiary, Elk Associates Funding Corporation (“Elk”), we make loans to finance the acquisition and operation of small businesses as permitted by the U.S. Small Business Administration (the “SBA”).  Ameritrans also makes loans to and invests in opportunities that Elk has historically been unable to make due to SBA restrictions.  Ameritrans makes loans which have primarily been secured by real estate mortgages or, in the case of corporate loans, generally are senior within the capital structure.  We also make equity investments which have primarily been in income producing real estate properties, or in real estate construction projects.

Elk was organized primarily to provide long-term loans to businesses eligible for investments by small business investment companies (each an “SBIC”) under the Small Business Investment Act of 1958, as amended (the “1958 Act”).  Elk makes loans for financing the purchase or continued ownership of businesses that qualify for funding as small concerns under SBA Regulations.

Both Ameritrans and Elk are registered as business development companies, or “BDCs,” under the Investment Company Act of 1940, as amended (the “1940 Act”).  Accordingly, Ameritrans and Elk are subject to the provisions of the 1940 Act governing the operation of BDCs.  Both companies are managed by their executive officers under the supervision of their Boards of Directors.

The Company categorizes its investments into five categories:  1) Taxicab Medallion finance; 2) Corporate Loans; 3) Commercial Loans; 4) Life Settlement Contracts; and 5) Equity Investments.   For a more detailed description of these investment categories please see the Company’s Annual Report on Form 10-K for the year ended June 30, 2008, filed with the Commission by the Company on September 29, 2008 and which is available on the Company’s web site at www.ameritranscapital.com.

Change in Financial Statement Presentation

Effective for the year ended June 30, 2008, and the quarter ended September 30, 2008, the Company has revised its financial statements to be presented in accordance with Article 6 of Regulation S-X as an investment company.  Due to the revised format, the Company made certain reclassifications of amounts previously reported in its prior quarterly statements in order to conform to the current presentation.  Although the reclassifications resulted in changes to certain line items in the previously filed financial statements, the overall effect of the reclassifications noted below did not impact total stockholder’s equity (or net assets available).  Below are the primary items affected by the reclassifications made:

·

Unrealized gains/losses previously reported as part of “other comprehensive income (loss), net” were reclassified to “net unrealized gains (losses) on investments” in the statement of operations.  The effect of such reclassifications also changed previously reported amounts available to common shareholders.

·

Gains and losses on sales of investments previously reported as part of “total investment income, net” in the statement of operations were reclassified to “net realized gains (losses) on investments.”

·

Write-off and depreciation on interest and loans receivable, net previously reported as part of “total operating expenses” in the statement of operations were reclassified to “net unrealized gains (losses) on investments” and “net realized gains (losses) on investments.”

The change in format also resulted in the statement of stockholders’ equity essentially being replaced with the statement of changes in net assets available, which is now presented.  In addition, the schedule of investments has been expanded and certain other disclosures were added, such as the “financial highlights.”  We believe the changes noted above conform to the filing format for the Company, as a BDC, and will provide a meaningful representation of the Company’s operations going forward.

Basis of Consolidation

The consolidated financial statements include the accounts of Ameritrans, Elk Capital Corporation (“ECC”), Elk and Elk’s wholly owned subsidiary, EAF Holding Corporation (“EAF”).  All significant inter-company transactions have been eliminated in consolidation.

ECC is a wholly-owned subsidiary of Ameritrans, which may engage in lending and investment activities similar to its parent.  Since its inception, ECC has had no operations

EAF began operations in December 1993 and owns and operates certain real estate assets acquired in satisfaction of defaulted loans by Elk debtors.  At September 30, 2008 it was not operating any assets.

Investment Valuations

The Company’s loans receivable, net of participations and any unearned discount are considered investment securities under the 1940 Act and are recorded at fair value. As part of fair value methodology, loans are valued at cost adjusted for any unrealized appreciation (depreciation). Since no ready market exists for these loans, the fair value is determined in good faith by management, and approved by the Board of Directors. In determining the fair value, the Company and Board of Directors consider factors such as the financial condition of the borrower, the adequacy of the collateral, individual credit risks, historical loss experience, and the relationships between current and projected market rates and portfolio rates of interest and maturities. Foreclosed properties, which represent collateral received from defaulted borrowers, are valued similarly.

Loans are considered “non-performing” once they become 90 days past due as to principal or interest. The value of past due loans are periodically determined in good faith by management, and if, in the judgment of management, the amount is not collectible and the fair value of the collateral is less than the amount due, the value of the loan will be reduced to fair value .

Equity investments (common stock and stock warrants, including certain controlled subsidiary portfolio investments) and investment securities are recorded at fair value.

The Company records the investment in life insurance policies at fair value, represented as cost, plus or minus unrealized appreciation or depreciation. The fair value of the investment in life settlement contracts have no ready market and are determined in good faith by management, and approved by the Board of Directors, based on secondary market conditions, policy characteristics and actuarial life expectancy, including health evaluations.

Because of the inherent uncertainty of valuations, the Company’s estimates of the values of the investments may differ significantly from the values that would have been used had a ready market for the investments existed, and the differences could be material.

Effective July 1, 2008, the Company adopted SFAS 157, which expands the application of fair value accounting for investments (see Note 2).

Income Taxes

The Company has elected to be taxed as a Regulated Investment Company (“RIC”) under the Internal Revenue Code (the “Code”).  A RIC generally is not taxed at the corporate level to the extent its income is distributed to its stockholders.  In order to qualify as a RIC, a company must pay out at least 90 percent of its net taxable investment income to its stockholders as well as meet other requirements under the Code.  In order to preserve this election for fiscal year 2007/2008, the Company intends to make the required distributions to its stockholders, therefore, no provision for federal income taxes has been provided.

The Company is subject to certain state and local franchise taxes, as well as related minimum filing fees assessed by state taxing authorities.  Such taxes and fees are included in “Other administrative expenses” in the consolidated statements of operations in each of the fiscal years presented.

Use of Estimates

The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make extensive use of estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates.  Estimates that are particularly susceptible to significant change relate to the determination of the fair value of the Company’s investments.

Earnings (Loss) Per Share

Basic earnings (loss) per share includes no dilution and is computed by dividing current net increase (decrease) in net assets from operations available to common stockholders by the weighted average number of common shares outstanding for the period.  Diluted earnings per share reflect, in periods in which they have a dilutive effect, the effect of common shares issuable upon the exercise of stock options and warrants.  The difference between reported basic and diluted weighted average common shares results from the assumption that all dilutive stock options outstanding were exercised.  For the years presented, the effect of common stock equivalents has been excluded from the diluted calculation since the effect would be antidilutive.

Dividends

Dividends and distributions to our common and preferred stockholders are recorded on the record date.  The amount to be paid out as a dividend is determined by the Board each quarter and is generally based upon the earnings estimated by management.  Net realized capital gains, if any, are distributed at least annually, although the Company may decide to retain such capital gains for investment.

On June 30, 2008, the Board approved and adopted a dividend reinvestment plan that provides for reinvestment of distributions in the Company’s Common Stock on behalf of common stockholders, unless a stockholder elects to receive cash.  As a result, if the Board authorizes, and the Company declares, a cash dividend, then those stockholders who have not “opted out” of the dividend reinvestment plan will have their cash dividends automatically reinvested in additional shares of Common Stock, rather than receiving the cash dividends.  The Company has not yet implemented this plan.

Income Recognition

Interest income, including interest on loans in default, is recorded on an accrual basis and in accordance with loan terms to the extent such amounts are expected to be collected.  The Company recognizes interest income on loans classified as non-performing only to the extent that the fair market value of the related collateral exceeds the specific loan balance.  Loans that are not fully collateralized and in the process of collection are placed on nonaccrual status when, in the judgment of management, the collectability of interest and principal is doubtful.

Stock Options

The Company adopted Statement of Financial Accounting Standards No. 123R (“SFAS No. 123R”), “Accounting for Stock-Based Compensation,” and related interpretations in accounting for its stock option plans effective January 1, 2006, and accordingly, the Company will expense these grants as required.  Stock-based employee compensation costs in the form of stock options will be reflected in net increase (decrease) in net assets from operations for grants made including and subsequent to January 1, 2006 only, since there were no unvested options outstanding at December 31, 2005, using the fair values established by usage of the Black-Scholes option pricing model, expensed over the vesting period of the underlying option.  Previously, the Company applied APB Opinion No. 25 and related Interpretations in accounting for all the plans.  Accordingly, no compensation cost was recognized under these plans, as the Company followed the disclosure-only provisions of SFAS No. 123 and SFAS No. 148, “Accounting for Stock-Based Compensation Transition and Disclosure.

The Company elected the modified prospective transition method for adopting SFAS No. 123R.  Under this method, the provisions of SFAS 123R apply to all awards granted or modified after the date of adoption.  The compensation cost is then recognized over the vesting period of the options.

Presentation of Prior Quarter Data

Certain reclassifications have been made to conform prior quarter data to the current presentation.

2.

Investments

Investments by Industry

Investments by industry consist of the following as of September 30, 2008 and June 30, 2008:

 

Percentage of Portfolio at

 

September 30, 2008

June 30, 2008

 

 

 

Assisted Living Facilities

1.6%

1.5%

ATM Operator

0.1%

0.1%

Auto Sales

0.1%

Black car service

0.1%

0.5%

Boston Taxicab Medallions

6.5%

7.7%

Broadcasting/Telecommunications

3.4%

3.3%

Chicago Taxicab Medallions

28.1%

29.2%

Commercial Construction

7.2%

7.6%

Construction and Predevelopment

1.8%

1.9%

Debt Collection

1.0%

1.1%

Dry Cleaner

0.2%

0.2%

Education

1.6%

Gaming

2.4%

3.3%

Gasoline Distribution

1.2%

1.2%

Laundromat

1.8%

1.7%

Life Insurance Settlement

5.0%

4.8%

Manufacturing

7.5%

4.9%

Miami Taxicab Medallions

12.8%

13.2%

Office Water Systems

1.0%

1.1%

Printing/Publishing

3.2%

3.0%

Processing Control Instruments

5.0%

4.8%

Residential Mortgages

1.1%

1.1%

Restaurant/Food Service

5.9%

5.7%

Sanitaryware Distributor

1.1%

0.9%

Real Estate Limited Partnership

0.2%

0.6%

Taxicab Medallion Equity

0.1%

Assets Acquired From Debtors

0.1%

0.3%

TOTAL

100.0%

100.0%


Life Settlement Contracts

In September 2006, the Company entered into an agreement with an unaffiliated company to purchase previously issued life insurance policies owned by unrelated individuals.  Under the terms of the agreement, the Company was designated as nominee to maintain possession of the policies and process transactions related to such policies until the policies are subsequently sold or paid off.  The Company is entitled to receive from the unaffiliated company a twelve percent (12%) annual return on the amount of funds paid by the Company and outstanding on a monthly, prorated basis.  Proceeds from the sale of the policies are to be distributed, net of direct expenses, as defined in the agreement.

As of September 30, 2008, the carrying value of amounts invested was $2,911,296, which represents the amount paid to cover first year and any subsequent period premiums for eight (8) life insurance policies with an aggregate face value of $40,750,000 to obtain ownership and beneficiary rights on those policies.  Premiums on the policies will continue to be paid by the Company, until the policies are sold.  If an insured dies before the policy is resold, 50% of the death benefit proceeds of the policy will be paid to the insured party’s family, and the other 50% of the death benefit proceeds will be paid to the Company, to be distributed in accordance with the terms of the Agreement.  The Company may sell the policies at any time, at its sole discretion.  However, if the Company were to continue to make payments on each of the policies for the life expectancy of the insured, the approximate future minimum premiums due for each of the next five (5) years and in the aggregate thereafter are as follows:

Year Ending
June 30

Policy Premiums

 

 

2009 (nine months)

 $ 825,000 

2010

 1,100,000 

2011

 1,100,000 

2012

 1,100,000 

2013

 1,100,000 

Thereafter

 5,400,000 

 

 

 

 $ 10,625,000 


Fair Value of Investments

Effective July 1, 2008, the Company adopted Statement of Financial Accounting Standards No. 157, Fair Value Measurements (“SFAS 157”), which expands application of fair value accounting. SFAS 157 defines fair value, establishes a framework for measuring fair value in accordance with generally accepted accounting principles and expands disclosure of fair value measurements. SFAS 157 determines fair value to be the price that would be received for an investment in a current sale, which assumes an orderly transaction between market participants on the measurement date. SFAS 157 requires the Company to assume that the portfolio investment is sold in a principal market to market participants, or in the absence of a principal market, the most advantageous market, which may be a hypothetical market. Market participants are defined as buyers and sellers in the principal or most advantageous marke t that are independent, knowledgeable, and willing and able to transact. In accordance with SFAS 157, the Company has considered its principal market as the market in which the Company exits its portfolio investments with the greatest volume and level of activity. SFAS 157 specifies a hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable. In accordance with SFAS 157, these inputs are summarized in the three broad levels listed below:

·

Level 1 – Valuations based on quoted prices in active markets for identical assets or liabilities that the Company has the ability to access.

·

Level 2 – Valuations based on quoted prices in markets that are not active or for which all significant inputs are observable, either directly or indirectly.

·

Level 3 – Valuations based on inputs that are unobservable and significant to the overall fair value measurement.

In addition to using the above inputs in investment valuations, we continue to employ the valuation policy approved by our board of directors that is consistent with SFAS 157 (see Note 1).  Consistent with our valuation policy, we evaluate the source of inputs, including any markets in which our investments are trading (or any markets in which securities with similar attributes are trading), in determining fair value. Our valuation policy considers the fact that because there is not a readily available market value for most of the investments in our portfolio, the fair value of the investments must typically be determined using unobservable inputs.

Due to the inherent uncertainty of determining the fair value of investments that do not have a readily available market value, the fair value of our investments may fluctuate from period to period. Additionally, the fair value of our investments may differ significantly from the values that would have been used had a ready market existed for such investments and may differ materially from the values that we may ultimately realize.   Further, such investments are generally subject to legal and other restrictions on resale or otherwise are less liquid than publicly traded securities. If we were required to liquidate a portfolio investment in a forced or liquidation sale, we may realize significantly less than the value at which we have previously recorded it.

In addition, changes in the market environment and other events that may occur over the life of the investments may cause the gains or losses ultimately realized on these investments to be different than the valuations currently assigned.

The following table presents fair value measurements of investments as of September 30, 2008:

 


Fair Value Measurements Using

 

Total

Level 1

Level 2

Level 3

Investments

$ 58,221,613 

$ 18,024 

$ - 

$ 58,203,589 

The following tables present changes in investments that use Level 3 inputs for the three months ended September 30, 2008:

 

Three months ended September 30, 2008

Balance as of June 30, 2008

$ 59,577,474 

Net unrealized gains (losses)

(198,447)

Net purchases, sales or redemptions

(1,175,438)

Net transfers in and/or out of Level 3

Balance as of September 30, 2008

$ 58,203,589 

As of September 30, 2008, the net unrealized loss on the investments that use Level 3 inputs was $685,128.

3.

Debentures Payable to SBA

At September 30, 2008 and June 30, 2008 debentures payable to the SBA consisted of subordinated debentures with interest payable semiannually, as follows:

Issue Date

Due Date

% Interest Rate

September 30, 2008

June 30,
2008

 

 


 

 

July 2002

September 2012

4.67 (1)

 $ 2,050,000 

 $ 2,050,000 

December 2002

March 2013

4.63 (1)

 3,000,000 

 3,000,000 

September 2003

March 2014

4.12 (1)

 5,000,000 

 5,000,000 

February 2004

March 2014

4.12 (1)

 1,950,000 

 1,950,000 

 

 


 

 

 

 


 $ 12,000,000 

 $ 12,000,000 

 

(1)

Elk is also required to pay an additional annual user fee of 0.866% on these debentures.

Under the terms of the subordinated debentures, Elk may not repurchase or retire any of its capital stock or make any distributions to its stockholders other than dividends out of retained earnings (as computed in accordance with SBA regulations) without the prior written approval of the SBA.

4.

Notes Payable

Banks

At September 30, 2008 and September 30, 2007 the Company had loan agreements with three (3) banks for lines of credit aggregating $40,000,000 and $36,000,000, respectively.  At September 30, 2008 and June 30, 2008, $28,525,697 and $28,095,697, respectively, were outstanding under these lines.  During January 2008, the Company increased its available credit on one of its lines by $4,000,000.  The loans bore interest at the lower of either the reserve adjusted LIBOR rate plus 1.5% or the banks’ prime rates minus 0.50%.  At September 30, 2008, the weighted average interest rate on outstanding bank debt was approximately 4.5% before taking into account the effect of the interest rate swap on $5,000,000 at an effective rate of 6.23% (see Note 7).

The bank loans were maturing on or about October 30, 2008.  On October 29, 2008, following the closing of the sale of the taxi medallion loan portfolio (see Note 10) the Company paid the banks in full all principal and accrued interest due on the three loans.  

The Company negotiated short term lines of credit with each of its three banks thereafter in the aggregate amount of $2,000,000 for a period of ninety (90) days from October 30, 2008 and in the aggregate amount of $1,000,000 for one additional ninety (90) day period thereafter, at which time all sums due on the lines must be paid in full.  It is not presently contemplated that the Company will request to continue any lines of credit thereafter with its existing banks.  The Company at the present time is in the process of documenting those lines and certain terms of one of the lines is still under negotiation and discussion.   Pursuant to the terms of the current agreements the Company is required to comply with certain covenants and conditions, as defined in the agreements.  The Company has pledged its loans receivable and all other assets as collateral for the above lines of credit.  Pursuant to the SBA agreement and an “intercreditor agreement” among the lending banks and the SBA, the SBA agreed to subordination of the SBA Debentures outstanding in favor of the banks.  In accordance with the loan documentation with the SBA and the banks, the Company must also comply with maintaining overall debt levels within a formula based upon the performance of its loan portfolio according to a “borrowing base” which is submitted for review to the SBA and the banks for periodic review.

Related Party Loans

In July 2007, the Company received three loans totaling $500,000 from three related parties also to facilitate the funding of new loans receivable.  The loan principal was due and payable within 30 days of demand and bore interest at a rate of 10% per annum.  Payments of interest only were due and payable on the first of each month.  As of September 30, 2008 there were no loans to related parties outstanding.  For the three months ended September 30, 2008 and 2007, interest paid on the loans was $2,689 and $13,751, respectively.

5.

Dividends to Stockholders

On September 29, 2008, the Company declared a dividend of $0.28125 per share on its 9 3/8% Cumulative Participating Preferred Stock for the period July 1, 2008 through September 30, 2008, totaling $84,375, which was paid on or about October 15, 2008 to all holders of record as of October 9, 2008.  

6.

Related Party Transactions

The Company paid $16,277 and $22,437 to a law firm related to officers and directors of the Company (the “Law Firm”) for the three months ended September 30, 2008 and 2007, respectively, for legal services provided.

Total occupancy costs under existing leases and overhead cost reimbursement agreements paid to the Law Firm and to another entity in which an officer of the Company has a financial interest amounted to $74,035 and $69,018 for the three months ended September 30, 2008 and 2007, respectively.

The Company entered into an at-will consulting arrangement with an individual who is considered a related person of the Company.  An aggregate of $0 and $2,000 was paid to such person for the three months ended September 30, 2008 and 2007, respectively for such consulting services.  The consulting arrangement was terminated as of June 30, 2008.

The Company utilizes a relative of an officer of the Company to perform part-time administrative services.  This individual is paid per hour for administrative work he performs for the Company.  For the three months ended September 30, 2008 and 2007, he was paid an aggregate of $8,465 and $4,500, respectively.

The Company pays printing fees to a company partially owned by an officer and stockholder of the Company.  An aggregate of $2,877 and $0 for the three months ended September 30, 2008 and 2007, respectively, was paid for these services.

Also see Note 4 for additional related party loan transactions.

7.

Commitments and Contingencies

Interest Rate Swap

In October, 2005, Elk entered into two (2) interest rate swap transactions for $5,000,000 each, to hedge against an upward movement in interest rates relating to outstanding bank debt.  The swap transaction which expired October 15, 2007 provided for a fixed rate of 6.20%, and the swap transaction which expired October 14, 2008 provided for a fixed rate of 6.23%.  If the Company’s floating borrowing rate (the one-month LIBOR rate plus 1.5%) fell below the fixed rate, Elk was obligated to pay the bank the differences in rates. If the Company’s floating borrowing rate rose above the fixed rate, the bank was obligated to pay Elk the differences in rates.  For the three months ended September 30, 2008 and 2007, Elk incurred additional net interest expense (benefit) of $28,612 and $(19,269), respectively, due to the fluctuation of interest rates under these agreements.  As of October 14, 2008, the Company had no interest rate swaps outstanding.

8.

Stock Option Plans

Employee Incentive Stock Option Plan

An employee stock option plan (the “1999 Employee Plan”) was adopted by the Ameritrans Board, including a majority of the non-interested directors, and approved by a vote of the stockholders, in order to link the personal interests of key employees to the Company’s long-term financial success and the growth of stockholder value.  Subsequent amendments to the 1999 Employee Plan were approved by the stockholders in January 2002 and June 2007.  The amendments increased the number of shares reserved under the plan to 300,000 shares.

The 1999 Employee Plan authorizes the grant of incentive stock options within the meaning of Section 422 of the Internal Revenue Code for the purchase of an aggregate of 300,000 shares (subject to adjustment for stock splits and similar capital changes) of Common Stock to the Company’s employees.  By adopting the 1999 Employee Plan, the Board believes that the Company will be better able to attract, motivate, and retain as employees people upon whose judgment and special skills the Company’s success in large measure depends.  As of September 30, 2008, options to purchase an aggregate of 158,850 shares of Common Stock were issued and outstanding under the 1999 Employee Plan with 118,850 fully vested.

The 1999 Employee Plan is administered by the 1999 Employee Plan Committee of the Board, which is comprised solely of non-employee directors (who are “outside directors” within the meaning of Section 152(m) of the Internal Revenue Code and “disinterested persons” within the meaning of Rule 16b-3 under the Securities Exchange Act of 1934 (the “Exchange Act”)).  The committee can make such rules and regulations and establish such procedures for the administration of the 1999 Employee Plan as it deems appropriate.  Upon effectiveness of the Investment Management and Advisory Agreement with Velocity Capital Advisors (“Velocity”) the Company will terminate the 1999 Employee Plan.

Non-Employee Director Stock Option Plan

A stock option plan for non-employee directors (the “Director Plan”) was adopted by the Ameritrans Board and approved by a vote of the stockholders, in order to link the personal interests of non-employee directors to the Company’s long-term financial success and the growth of stockholder value.  The Director Plan is substantially identical to, and the successor to, a non-employee director stock option plan adopted by the Board of Elk and approved by its stockholders in September 1998 (the “Elk Director Plan”).  Ameritrans and Elk submitted an application for, and received on August 31, 1999, an exemptive order relating to these plans from the SEC.  The Director Plan was amended by the Board on November 14, 2001, and approved by the stockholders at the Annual Meeting on January 18, 2002.  The amendment is still subject to the approval of the Securities a nd Exchange Commission.  The amendment (i) increases the number of shares reserved under the plan from 75,000 to 125,000 and (ii) authorizes the automatic grant of an option to purchase up to 1,000 shares at the market value at the date of grant to each eligible director who is re-elected to the Board.

The total number of shares for which options may be granted from time to time under the Director Plan is 75,000 shares, which will be increased to 125,000 shares upon SEC approval of the Amended Director Plan.  As of September 30, 2008, options to purchase an aggregate of 49,462 shares were issued and outstanding with 35,574 fully vested under the Director Plan.  On May 7, 2007, the Company granted a member of the Board of Directors, options to purchase up to 10,141 shares of Common Stock.  These options vested on May 7, 2008 and are exercisable over five (5) years from the grant date at an exercise price of $4.93 per Share. The Director Plan is administered by a committee of directors who are not eligible to participate in the Director Plan.  On May 19, 2008, the Company granted a member of the Board options to purchase up to 13,888 shares of Common Stock.  These options v est on May 19, 2009 and are exercisable over five (5) years from the grant date at an exercise price of $3.60 per Share.  On May 6, 2008, 10,917 options were cancelled because a Director elected not to stand for re-election to the Board and opted not to exercise his options. Upon effectiveness of the Investment Management and Advisory Agreement with Velocity the Company will terminate the Director Plan.

Options Granted and Canceled

There were no options granted or canceled during either of the three month periods ended September 30, 2008 and 2007.

After adoption of SFAS 123(R) (see Note 1), the fair value of the options granted amounted to $141,668 at September 30, 2008 and June 30, 2008, which is reflected as stock options outstanding in the accompanying consolidated balance sheets.  Compensation expense related to options vested for the three months ended September 30, 2008 and 2007 was $7,821 and $0, respectively.  As of September 30, 2008, total deferred compensation related to unvested options was $33,100, which is expected to be recognized over a period of approximately two years.

The following tables summarize information about the transactions of both stock plans as of September 30, 2008:

 

Stock Options

 

Number of Options

Weighted Average Exercise Price Per Share

 



Options outstanding at June 30, 2008

 208,312 

 $5.14 

 

 - 

 - 

Granted

 - 

 - 

Canceled

 - 

 - 

Expired

 - 

 - 

Exercised

 - 

 - 

 

 

 

Options outstanding at September 30, 2008

 208,312 

 $5.14 


 

Options Outstanding

Options Exercisable

Range of Exercise Prices

Number Outstanding at September 30, 2008

Weighted Average Remaining Contractual Life

Weighted Average Exercise Price

Number Exercisable at September 30, 2008

Weighted Average Exercise Price

 


 

 


 

$4.50-$4.95

29,425

1.08 years

$4.70

29,425

$4.70

$5.56-$6.12

29,425

2.24 years

$5.81

29,425

$5.81

$3.60

13,888

4.64 years

$3.60

-

$3.60

$6.25

16,000

1.28 years

$6.25

16,000

$6.25

$5.28

80,000

4.66 years

$5.28

40,000

$5.28

$5.30

9,433

3.23 years

$5.30

9,433

$5.30

$4.50

20,000

4.02 years

$4.50

20,000

$4.50

$4.93

10,141

3.61 years

$4.93

10,141

$4.93

 


 

 


 

$3.60-$6.25

208,312

3.38 years

$5.14

154,424

$5.25


The Company’s shareholders approved an Investment Advisory and Management and Advisory Agreement dated March 18, 2008 pursuant to which Velocity will act as adviser, subject to approval of the U.S. Small Business Administration.  Upon effectiveness of that agreement, the Company will make no further grants under its stock option plans.



8

 




9.

Financial Highlights

 

Three Months Ended September 30, 2008

Three Months Ended September 30, 2007

Year Ended June 30, 2008

 

 

 

 

Net share data

 

 

 

Net asset value at the beginning of the period

$ 5.06 

$ 5.32 

$ 5.32 

Net investment income (loss)

 (0.09)

 0.04 

 (0.01)

Net realized and unrealized losses on investments

 (0.04)

 (0.04)

 (0.14)

Net decrease in net assets from operations

 (0.13)

 - 

 (0.15)

Net change in net assets from capital share transactions

 - 

 0.01 

 0.01 

Distributions to Stockholders (4)

 (0.03)

 (0.03)

 (0.12)

Total decrease in net asset value

 (0.16)

 (0.02)

 (0.26)

Net asset value at the end of the period

$ 4.90 

$ 5.30 

$ 5.06 

Per share market value at beginning of period

$ 3.01 

$ 5.21 

$ 5.21 

Per share market value at end of period

$ 3.25 

$ 4.50 

$ 3.01 

Total return (1)

 8.0%

 (13.2%)

 (39.9%)

Ratios/supplemental data

 

 

 

Average net assets (2) (in 000’s)

$ 16,920 

$ 18,014 

$ 17,622 

Total expense ratio (3)

 41.6%

 33.7%

 35.8%

Net investment income (loss) to average net assets (5)

 7.1%

 2.7%

 (0.3%)


(1)

Total return is calculated by dividing the change in market value of a share of common stock during the year, assuming the reinvestment of dividends on the payment date, by the per share market value at the beginning of the year.

(2)

Average net assets excludes capital from preferred stock.

(3)

Total expense ratio represents total expenses divided by average net assets annualized for interim periods.

(4)

Amount represents total dividends on both common and preferred stock divided by weighted average shares.

(5)

Annualized for interim periods.

10.

Other Matters

Subsequent Events

On October 29, 2008, the Company completed the sale of the Company’s taxicab medallion portfolio to Medallion Financial Corp. and Medallion Bank, pursuant to that certain loan portfolio sale and purchase agreement (the “Loan Purchase Agreement”) dated as of July 16, 2008, as amended October 17, 2008 and October 20, 2008.  Ameritrans utilized cash on hand and all of the net proceeds from this transaction in the amount of $25,883,820 to fully pay down its existing bank indebtedness.  Except for costs relating to disposal of the assets, there was no gain or loss realized on this transaction as the taxi medallion portfolio was sold at par value.  The Loan Purchase Agreement was approved by the Company’s shareholders on August 26, 2008.

The Company entered into an amended and restated employment agreement with Michael Feinsod dated as of October 10, 2008, whereby Mr. Feinsod was appointed Chief Executive Officer, in addition to his duties of President of Ameritrans and Senior Vice President of Elk.  The amended agreement will continue until October 31, 2009.

The Company entered into an amended and restated employment agreement with Gary Granoff dated as of October 10, 2008, which shall continue until June 30, 2013, whereby Mr. Granoff relinquished the office of chief executive officer of Ameritrans and assumed the title of Managing Director.

On October 10, 2008, the Board of Directors, upon the recommendation of the Employee Plan Committee, granted several employees options to purchase up to an aggregate of 133,000 shares of Common Stock of the Company exercisable at $2.36 per Share which vested immediately on the date of grant.  As a result, as of October 10, 2008, options to purchase an aggregate of 291,850 shares of Common Stock were outstanding, with 251,850 shares fully vested and 8,150 shares of Common Stock were available for future award under the Employee Plan.

11.

New Accounting Pronouncements

In October 2008, the Financial Accounting Standards Board (“FASB”) issued Staff Position No. 157-3 — Determining the Fair Value of a Financial Asset When the Market for That Asset is Not Active, or FSP 157-3. FSP 157-3 provides an illustrative example of how to determine the fair value of a financial asset in an inactive market. FSP 157-3 does not change the fair value measurement principles set forth in SFAS 157 (see Note 2 for a description of SFAS 157). Since adopting SFAS 157 in July 2008, our process for determining the fair value of our investments has been, and continues to be, consistent with the guidance provided in the example in FSP 157-3. As a result, the adoption of FSP 157-3 did not affect our process for determining the fair value of our investments and does not have a material effect on our financial position or results of operations.

In March 2008, the FASB issued SFAS No. 161, “Disclosures about Derivative and Hedging Activities—an amendment of FASB Statement No. 133.”  SFAS 161 requires enhanced disclosures on derivative and hedging activities.  These enhanced disclosures will discuss (a) how and why an entity uses derivative instruments, (b) how derivative instruments and related hedged items are accounted for under Statement 133 and its related interpretations, and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows.  SFAS 161 is effective for fiscal years beginning on or after November 15, 2008, with earlier adoption encouraged.  The Company does not anticipate a material impact, if any, to the Company’s financial condition, results of operations, or cash flows.

In December 2007, the FASB issued SFAS No. 160, “Noncontrolling Interests in Consolidated Financial Statements—an amendment of ARB No. 51” (“SFAS 160”), which establishes accounting and reporting standards for the noncontrolling interest in a subsidiary and for the deconsolidation of a subsidiary by clarifying that a noncontrolling interest in a subsidiary is an ownership interest in the consolidated entity that should be reported as a component of equity.  It requires that changes in a parent’s ownership interest while the parent retains its controlling interest be accounted for as equity transactions and any retained noncontrolling equity investment upon the deconsolidation of a subsidiary be initially measured at fair value. SFAS 160 is effective for fiscal years beginning on or after December 15, 2008 and shall be applied prospectively, except for the presenta tion and disclosure requirements which shall be applied retrospectively. We do not believe that this pronouncement will have an impact on our financial condition or results of operations.

In December 2007, the FASB issued SFAS No. 141R (revised 2007), “Business Combinations” (“SFAS 141R”) which supersedes SFAS No. 141 and establishes principles and requirements on how an acquirer recognizes and measures in its financial statements the identifiable assets acquired, liabilities assumed, and any noncontrolling interest in the acquiree at the acquisition date fair value, as well as the recognition and measurement of goodwill acquired in a business combination.  SFAS No. 141R also requires certain disclosures to enable users of the financial statements to evaluate the nature and financial effects of the business combination.  Acquisition costs associated with the business combination will generally be expensed as incurred.  SFAS No. 141R is effective prospectively to business combinations in fiscal years beginning on or after December 15, 2008.  We do not believe that this pronouncement will have an impact on our financial condition or results of operations.

ITEM 2.

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

The information contained in this section should be read in conjunction with the consolidated Financial Statements and Notes therewith appearing in this quarterly report on Form 10-Q and in the Company’s Annual Report on Form 10-K for the year ended June 30, 2008, filed with the Commission by the Company on September 29, 2008 and which is available on the Company’s web site at www.ameritranscapital.com.

CRITICAL ACCOUNTING POLICIES

Change in Financial Statement Presentation

Effective for the year ended June 30, 2008, and the quarter ended September 30, 2008, the Company has revised its financial statements to be presented in accordance with Article 6 of Regulation S-X as an investment company.  Due to the revised format, the Company made certain reclassifications of amounts previously reported in its prior quarterly statements in order to conform to the current year presentation.  Although the reclassifications resulted in changes to certain line items in the previously filed financial statements, the overall effect of the reclassifications noted below did not impact total stockholder’s equity (or net assets available).  Below are the primary items affected by the reclassifications made:

·

Unrealized gains/losses previously reported as part of “other comprehensive income (loss), net” were reclassified to “net unrealized gains (losses) on investments” in the statement of operations.  The effect of such reclassifications also changed previously reported amounts available to common shareholders.

·

Gains and losses on sales of investments previously reported as part of “total investment income, net” in the statement of operations were reclassified to “net realized gains (losses) on investments.”

·

Write-off and depreciation on interest and loans receivable, net previously reported as part of “total operating expenses” in the statement of operations were reclassified to “net unrealized gains (losses) on investments” and “net realized gains (losses) on investments.”

The change in format also resulted in the statement of stockholders’ equity essentially being replaced with the statement of changes in net assets available, which is now presented.  In addition, the schedule of investments has been expanded and certain other disclosures were added, such as the “financial highlights.”  We believe the changes noted above conform to the filing format for the Company, as a BDC, and will provide a meaningful representation of the Company’s operations going forward.

Investment Valuations

The Company’s loans receivable, net of participations and any unearned discount are considered investment securities under the 1940 Act and are recorded at fair value. As part of fair value methodology, loans are valued at cost adjusted for any unrealized appreciation (depreciation). Since no ready market exists for these loans, the fair value is determined in good faith by management, and approved by the Board of Directors. In determining the fair value, the Company and Board of Directors consider factors such as the financial condition of borrower, the adequacy of the collateral, individual credit risks, historical loss experience, and the relationships between current and projected market rates and portfolio rates of interest and maturities. Foreclosed properties, which represent collateral received from defaulted borrowers, are valued similarly.

Loans are considered “non-performing” once they become 90 days past due as to principal or interest. The value of past due loans are periodically determined in good faith by management, and if, in the judgment of management, the amount is not collectible and the fair value of the collateral is less than the amount due, the value of the loan will be reduced to fair value .

Equity investments (common stock and stock warrants, including certain controlled subsidiary portfolio investments) and investment securities are recorded at fair value.  

The Company records the investment in life insurance policies at fair value, represented as cost, plus or minus unrealized appreciation or depreciation. The fair value of the investment in life settlement contracts have no ready market and are determined in good faith by management, and approved by the Board of Directors, based on secondary market conditions, policy characteristics and actuarial life expectancy, including health evaluations.

Because of the inherent uncertainty of valuations, the Company’s estimates of the values of the investments may differ significantly from the values that would have been used had a ready market for the investments existed, and the differences could be material.

Effective July 1, 2008, the Company adopted SFAS 157, which expands the application of fair value accounting for investments.

Assets Acquired in Satisfaction of Loans

Assets acquired in satisfaction of loans are carried at the lower of the net value of the related foreclosed loan or the estimated fair value less cost of disposal.  Losses incurred at the time of foreclosure are charged to the unrealized depreciation on loans receivable.  Subsequent reductions in estimated net realizable value are charged to operations as losses on assets acquired in satisfaction of loans.

Use of Estimates

The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make extensive use of estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates.  Estimates that are particularly susceptible to significant change relate to the determination of the fair value of the Company’s investments.

Income Recognition

Interest income, including interest on loans in default, is recorded on an accrual basis and in accordance with loan terms to the extent such amounts are expected to be collected.  The Company recognizes interest income on loans classified as non-performing only to the extent that the fair market value of the related collateral exceeds the specific loan balance.  Loans that are not fully collateralized and in the process of collection are placed on nonaccrual status when, in the judgment of management, the collectability of interest and principal is doubtful.

Contingencies

The Company is subject to legal proceedings in the course of its daily operations from enforcement of its rights in disputes pursuant to the terms of various contractual arrangements.  In this connection, the Company assesses the likelihood of any adverse judgment or outcome to these matters as well as a potential range of probable losses.  A determination of the amount of reserve required, if any, for these contingencies is made after careful analysis of each individual issue.  The required reserves may change in the future due to new developments in each matter or changes in approach, such as a change in settlement strategy in dealing with these matters.

General

Ameritrans acquired Elk on December 16, 1999. Elk is an SBIC that has been operating since 1980, making loans to (and, to a limited extent, investments in) small businesses, who qualify under SBA Regulations. Most of Elk’s business historically consisted of originating and servicing loans collateralized by New York City, Boston, Chicago and Miami taxi medallions, but Elk also makes loans to and investments in other diversified businesses. Historically, Elk’s earnings derived primarily from net interest income, which is the difference between interest earned on interest-earning assets (consisting of business loans), and the interest paid on interest-bearing liabilities (consisting of indebtedness to Elk’s banks and subordinated debentures issued to the SBA). Net interest income is a function of the net interest rate spread, which is the difference between the average yield earned on i nterest-earning assets and the average interest rate paid on interest-bearing liabilities, as well as the average balance of interest-earning assets as compared to interest-bearing liabilities. Unrealized depreciation on loans and investments is recorded when Elk adjusts the value of a loan to reflect management’s estimate of the fair value, as approved by the Board of Directors.  

Results of Operations for the Three Months Ended September 30, 2008 and 2007

Total Investment Income

The Company’s investment income for the three months ended September 30, 2008 decreased $181,957, or 11%, to $1,459,461 as compared to the three months ended September 30, 2007.  The decrease in investment income between the periods can be attributed to lower interest rates charged on the total loan portfolio for the quarter, and an overall decrease in the size of the Company’s loan receivable portfolio.

Fees and other income decreased by $16,294 for the three months ended September 30, 2008, or 16% to $80,549 as compared to the three months ended September 30, 2007.

Medallion loans outstanding decreased by $3,607,544 or approximately 11.6%, to $27,423,546 as compared with the three months ended September 30, 2007.  The interest rate earned on medallion loans decreased in 2008 as compared with the prior year, which coupled with the decline in portfolio size, lead to a decrease in medallion income of $486,509.

Commercial Loans decreased by $5,365,039, or 29%, to $13,085,335, as compared with the three months ended September 30, 2007.  This decrease in Commercial Loans outstanding was partially offset by stronger performance in the remaining portfolio, interest rate floors and collection of past due interest.

Corporate Loans outstanding increased by $7,557,004, or 126%, to $13,532,004, as compared with the three months ended September 30, 2007.  The interest rate earned on Corporate Loans decreased in 2008, as compared with the prior year, primarily due to decreases in LIBOR.  This LIBOR decrease was partially offset by higher rates earned on loans originated in this fiscal year, the use of LIBOR “floors” in loan agreements, and further offset by increases in rates on existing loans due to covenant resets.

Life settlement contracts outstanding increased by $781,180, or 36%, as compared with the three months ended September 30, 2007.  The interest rate on these contracts was constant over the two periods, resulting in an increase in interest income as compared with the three months ended September 30, 2007.

Operating Expenses

Interest expense for the three months ended September 30, 2008 decreased $142,782, or 23%, to $487,279 as compared to the three months ended September 30, 2007.  This decrease was primarily due to the decrease in LIBOR when compared with the three months ended September 30, 2007.

Salaries and employee benefits for the three months ended September 30, 2008 increased $58,835 or approximately 13.8% when compared with the prior year.  This increase reflects the costs associated with the hiring of a new employee during the year ended June 30, 2008, as well as general increases due under various employment agreements.

Occupancy costs for the three months ended September 30, 2008 increased $5,017 or approximately 7.1%, when compared with three months ended September 30, 2007 due to general rent increases and as well as increased general overhead expenses.  

Professional fees for the three months ended September 30, 2008 increased $232,778 or approximately 115.1% when compared with the prior year.  This increase is due primarily to an increase in legal, accounting fees and internal control consulting fees due to non-recurring expenses relating to Sarbanes Oxley compliance and changes in financial statement presentation.  Miscellaneous administrative expenses increased $86,553 or 45.1% when compared with the prior year.

Net Increase (Decrease) in Net Assets from Operations and Net and Unrealized Realized Gains (Losses)

Net increase (decrease) in net assets from operations decreased to $(478,606) for the three months ended September 30, 2008 from $3,917 for the three months ended September 30, 2007.   The decrease in net assets from operations between the periods was attributable primarily to decreases in interest income and increased operating expenses discussed above.  The decrease in assets from operation was significantly impacted by a reduction in the fair value of the Company’s taxi medallion portfolio due to modifications in the Loan Purchase Agreement.  A one time gain of $8,315 was recorded in the quarter for the sale of an equity investment.  Dividends for Participating Preferred Stock were unchanged at $84,375 for the three months ended September 30, 2008 and 2007.

Financial Condition at September 30, 2008 and June 30, 2008

Balance Sheet

Total assets decreased $497,457 to $61,484,011 at September 30, 2008 as compared to June 30, 2008 total assets of $61,981,468. This decrease was primarily due to a decrease in investments of $1,376,674 partially offset by an increase in cash and equivalents of $833,145, and an increase in investment in life settlement contracts of $68,838.  Total liabilities increased during the quarter by $57,703 primarily due to borrowings against outstanding bank credit lines of $2,150,000 versus $1,720,000 in repayments on these credit lines. This resulted in a net increase of $430,000 in short-term bank borrowings.

Liquidity and Capital Resources

The Company has funded its operations through private and public placements of its securities, bank financing, the issuance to the SBA of its subordinated debentures and internally generated funds.

At September 30, 2008, approximately 70% of Elk’s indebtedness was represented by indebtedness to its banks and other lenders with variable rates ranging from 3.9% to 4.5%, whereas approximately 30% of the Company’s indebtedness was due to debentures issued to the SBA with fixed rates of interest plus user fees resulting in rates ranging from 4.99% to 5.54%. At September 30, 2008, the Company had available $40,000,000 of credit lines from its banks, of which $11,474,303 was available to draw down as of that date, subject to limitations imposed by its borrowing base agreement with its banks and the SBA, the statutory and regulatory limitations imposed by the SBA and the availability of funds.  

On October 29, 2008, as a result of the sale of the taxi medallion loan portfolio, the Company paid its banks all sums due that were outstanding on that date.  On October 30, 2008, the Company renegotiated reduced lines of credit with its banks in the aggregate amount of $2,000,000, for a period of ninety (90) days from October 30, 2008 and in the aggregate amount of $1,000,000 for one additional ninety (90) day period thereafter, at which time all sums due under the credit lines must be paid in full.  It is not presently contemplated that the Company will request to continue any lines of credit thereafter with its existing banks.  As a result of the renegotiation of the lines of credit to an aggregate amount of $2,000,000 commencing October 30, 2008, the Company is in the process of documenting those lines at the present time and certain terms of one of the lines is still under nego tiation and discussion.

In September 2006, the Company invested in life settlement contracts which require the company to continue premium payments to keep the policies in force through the insured’s life expectancy, or until such time the policies are sold.  The Company may sell the policies at any time, at its sole discretion.  However, if the Company chooses to keep the policies, as of and after September 30, 2008, premium payments due through the life expectancy of the insured are approximately $5,225,000 over the next five years and $5,400,000 thereafter.

Loan amortization and prepayments also provide a source of funding for the Company. Prepayments on loans are influenced significantly by general interest rates, economic conditions and competition.

The Company will distribute at least 90% of its investment company taxable income and, accordingly, will continue to rely upon external sources of funds to finance growth. To provide the funds necessary for expansion, management expects to raise additional capital and to incur, from time to time, additional bank indebtedness and (if deemed necessary) to obtain SBA loans. There can be no assurances that such additional financing will be available on acceptable terms.

Recently Issued Accounting Standards

In October 2008, the FASB issued Staff Position No. 157-3 — Determining the Fair Value of a Financial Asset When the Market for That Asset is Not Active, or FSP 157-3. FSP 157-3 provides an illustrative example of how to determine the fair value of a financial asset in an inactive market. FSP 157-3 does not change the fair value measurement principles set forth in SFAS 157 (see Note 2 for a description of SFAS 157). Since adopting SFAS 157 in July 2008, our process for determining the fair value of our investments has been, and continues to be, consistent with the guidance provided in the example in FSP 157-3. As a result, the adoption of FSP 157-3 did not affect our process for determining the fair value of our investments and does not have a material effect on our financial position or results of operations.

In March 2008, the FASB issued SFAS No. 161, “Disclosures about Derivative and Hedging Activities—an amendment of FASB Statement No. 133.”  SFAS 161 requires enhanced disclosures on derivative and hedging activities.  These enhanced disclosures will discuss (a) how and why an entity uses derivative instruments, (b) how derivative instruments and related hedged items are accounted for under Statement 133 and its related interpretations, and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows.  SFAS 161 is effective for fiscal years beginning on or after November 15, 2008, with earlier adoption encouraged.  The Company does not anticipate a material impact, if any, to the Company’s financial condition, results of operations, or cash flows.

In December 2007, the FASB issued SFAS No. 160, “Noncontrolling Interests in Consolidated Financial Statements—an amendment of ARB No. 51” (“SFAS 160”), which establishes accounting and reporting standards for the noncontrolling interest in a subsidiary and for the deconsolidation of a subsidiary by clarifying that a noncontrolling interest in a subsidiary is an ownership interest in the consolidated entity that should be reported as a component of equity.  It requires that changes in a parent’s ownership interest while the parent retains its controlling interest be accounted for as equity transactions and any retained noncontrolling equity investment upon the deconsolidation of a subsidiary be initially measured at fair value. SFAS 160 is effective for fiscal years beginning on or after December 15, 2008 and shall be applied prospectively, except for the presenta tion and disclosure requirements which shall be applied retrospectively. We do not believe that this pronouncement will have an impact on our financial condition or results of operations.

In December 2007, the FASB issued SFAS No. 141R (revised 2007), “Business Combinations” (“SFAS 141R”) which supersedes SFAS No. 141 and establishes principles and requirements on how an acquirer recognizes and measures in its financial statements the identifiable assets acquired, liabilities assumed, and any noncontrolling interest in the acquiree at the acquisition date fair value, as well as the recognition and measurement of goodwill acquired in a business combination.  SFAS No. 141R also requires certain disclosures to enable users of the financial statements to evaluate the nature and financial effects of the business combination.  Acquisition costs associated with the business combination will generally be expensed as incurred.  SFAS No. 141R is effective prospectively to business combinations in fiscal years beginning on or after December 15, 2008.  We do not believe that this pronouncement will have an impact on our financial condition or results of operations.

ITEM 3.

QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT MARKET RISK

The Company’s business activities contain elements of risk. The Company considers the principal types of risk to be fluctuations in interest rates and portfolio valuations.  The Company considers the management of risk essential to conducting its businesses.  Accordingly, the Company’s risk management systems and procedures are designed to identify and analyze the Company’s risks, to set appropriate policies and limits and to continually monitor these risks and limits by means of reliable administrative and information systems and other policies and programs.

The Company values its portfolio at fair value as determined in good faith by the Company’s Board of Directors in accordance with the Company’s valuation policy.  Unlike certain lending institutions, the Company is not permitted to establish reserves for loan losses.  Instead, the Company must value each individual investment and portfolio loan on a quarterly basis.  The Company records unrealized depreciation on investments and loans when it believes that an asset has been impaired and full collection is unlikely.  Without a readily ascertainable market value, the estimated value of the Company’s portfolio of investments and loans may differ significantly from the values that would be placed on the portfolio if there existed a ready market for the investments.  The Company adjusts the valuation of the portfolio quarterly to reflect the Board of Directors 6; estimate of the current fair value of each component of the portfolio.  Any changes in estimated fair value are recorded in the Company’s statement of operations as net unrealized depreciation on investments.

In addition, the illiquidity of our loan portfolio and investments may adversely affect our ability to dispose of loans at times when it may be advantageous for us to liquidate such portfolio or investments.  Also, if we were required to liquidate some or all of the investments in the portfolio, the proceeds of such liquidation might be significantly less than the current value of such investments.  Because we borrow money to make loans and investments, our net operating income is dependent upon the difference between the rate at which we borrow funds and the rate at which we loan and invest these funds.  As a result, there can be no assurance that a significant change in market interest rates will not have a material adverse effect on our interest income.  As interest rates rise, our interest costs increase, decreasing the net interest rate spread we receive and thereby adverse ly affect our profitability. Although we intend to continue to manage our interest rate risk through asset and liability management, including the use of interest rate swaps, general rises in interest rates will tend to reduce our interest rate spread in the short term.

Assuming that the balance sheet were to remain constant and no actions were taken to alter the existing interest rate sensitivity, a hypothetical immediate 1% increase in interest rates would have resulted in an additional net decrease in net assets from operations of $(8,492) at September 30, 2008. This is comprised of a 1% change in two components, loans receivable of $25,128,971 at variable interest rate terms, and $28,525,697 for bank debt subject to variable market rates.  This hypothetical does not take into account interest rate floors or caps on the Company’s loan receivable portfolio.  No assurances can be given however, that actual results would not differ materially from the potential outcome simulated by these estimates.

ITEM 4.

CONTROLS AND PROCEDURES

Our management is responsible for establishing and maintaining adequate internal control over financial reporting as defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act. Our management, including our Chief Executive Officer, (also acting as Chief Financial Officer) and President, conducted an evaluation of the effectiveness of our internal control over financial reporting based on criteria established in the framework in Internal Control Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission. Based on this evaluation, our management concluded that our internal control over financial reporting was effective as of September 30, 2008. Further, this evaluation included enhancements to our internal control over financial reporting that have not materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

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

IMPORTANT FACTORS RELATING TO FORWARD-LOOKING STATEMENTS

Cautionary Note Regarding Forward-Looking Statements

This Quarterly Report includes forward-looking statements within the meaning of Section 27A of the Securities Act and Section 21E of the Securities Exchange Act. The matters discussed in this Quarterly Report, as well as in future oral and written statements by management of Ameritrans Capital Corporation, that are forward-looking statements are based on current management expectations that involve substantial risks and uncertainties which could cause actual results to differ materially from the results expressed in, or implied by, these forward-looking statements. Forward-looking statements relate to future events or our future financial performance. We generally identify forward-looking statements by terminology such as “may,” “will,” “should,” “expects,” “plans,” “anticipates,” “could,” “intends,” “target,” “projects,” “contemplates,” “believes,” “estimates,” “predicts,” “potential” or “continue” or the negative of these terms or other similar words. Important assumptions include our ability to originate new investments, achieve certain margins and levels of profitability, the availability of additional capital, and the ability to maintain certain debt to asset ratios. In light of these and other uncertainties, the inclusion of a projection or forward-looking statement in this Quarterly Report should not be regarded as a representation by us that our plans or objectives will be achieved. The forward-looking statements contained in this Quarterly Report include but are not limited to statements as to:

·

our future operating results;

·

our business prospects and the prospects of our existing and prospective portfolio companies;

·

the impact of investments that we expect to make;

·

our informal relationships with third parties;

·

the dependence of our future success on the general economy and its impact on the industries in which we invest;

·

the ability of our portfolio companies to achieve their objectives;

·

our expected financings and investments;

·

our regulatory structure and tax treatment;

·

our ability to operate as a BDC and a RIC; and

·

the adequacy of our cash resources and working capital.

You should not place undue reliance on these forward-looking statements. The forward-looking statements made in this Quarterly Report relate only to events as of the date on which the statements are made. We undertake no obligation to update any forward-looking statement to reflect events or circumstances occurring after the date of this Quarterly Report.



9

 




PART II.  OTHER INFORMATION

INFORMATION INCORPORATED BY REFERENCE. Certain information previously disclosed in Part I of this quarterly report on Form 10-Q are incorporated by reference into Part II of this quarterly report on Form 10-Q.

Item 1. Legal Proceedings

The Company is not currently a party to any material legal proceeding. From time to time, the Company is engaged in various legal proceedings incident to the ordinary course of its business. In the opinion of the Company’s management and based upon the advice of legal counsel, there is no proceeding pending, or to the knowledge of management threatened, which in the event of an adverse decision would result in a material adverse effect on the Company’s results of operations or financial condition.

Item 1A. Risk Factors

None

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds

None

Item 3. Default upon Senior Securities

None

Item 4. Submission of Matters to a Vote of Security Holders

On August 26, 2008, the Company held a special meeting of stockholders whereby the stockholders approved the sale by Ameritrans of assets of the Company pursuant to a loan purchase agreement among the Company, Elk Associates Funding Corp., Medallion Financial Corp. and Medallion Bank.

Item 5. Other Information

On October 31, 2008, Elk executed an installment promissory note with Bank Leumi USA (the “Leumi Note”) in the principal amount of four hundred thousand dollars ($400,000).  The interest rate on the Leumi Note is currently 5% per annum, which represents a rate of 1% above the rate of interest designated by Bank Leumi USA, in effect from time to time (the “Reference Rate”), adjusted when said Reference Rate changes.  Interest on the Leumi Note is payable monthly on the last day of each month commencing November, 2008 with the principal due and payable in two equal (2) installments of $200,000 on January 29, 2009 and April 29, 2009.

In November 2008 the Company borrowed $200,000 from Israel Discount Bank of New York (“IDB”) pursuant to a line of credit for up to nine hundred fifteen thousand dollars ($915,000) (the “IDB Line”).  The IDB Line bears interest at a rate of 1% over the bank’s prime rate of interest is due and payable in two equal installments on January 29, 2009 and April 29, 2009.

Item 6. Exhibits

The Exhibits filed as part of this report on Form 10-Q are listed on the Exhibit Index immediately preceding such Exhibits, which Exhibit index is incorporated by reference.

Exhibit Index

(a)

Exhibits

10.1

Executed Installment Promissory Note dated October 31, 2008 between Elk Associates Funding Corp. and Bank Leumi USA.  (attached hereto)

31.1

Certification pursuant to Rule 13a-14(a) or Rule 15d-14(a), as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.  (attached hereto)

31.2

Certification pursuant to Rule 13a-14(a) or Rule 15d-14(a), as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.  (attached hereto)

32.1

Certification pursuant to 18 USC Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.  (attached hereto)

32.2

Certification pursuant to 18 USC Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.  (attached hereto)

(All other items of Part II are inapplicable)



10

 




AMERITRANS CAPITAL CORPORATION

SIGNATURES

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.

AMERITRANS CAPITAL CORPORATION

Dated:  November 19, 2008

By: /s/ Michael Feinsod



Michael Feinsod


Chief Executive Officer and President




11

 


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BANK LEUMI USA
MEMBER FDIC


NOTE:

Fill in all blanks before signing.  If a particular provision is not desired or has no applicability, delete the provision or, if it contains a blank space, insert “N/A” or the words “Not Applicable” in such space.  All deletions should be initiated by the Borrower and the Bank.

INSTALLMENT PROMISSORY NOTE

$400,000.00

New York, N.Y.
October 31, 2008

A.

GENERAL; TERMS OF PAYMENT

1

FOR VALUE RECEIVED, the undersigned, Elk Associates Funding Corp., a corporation organized under the laws of the State of New York (the “Borrower”), hereby promise(s) to pay to the order of BANK LEUMI USA (the “Bank”), at its office at 579 Fifth Avenue, New York, NY the principal sum of Four Hundred Thousand & 00/100 Dollars ($400,000.00).

¨

in ______________ (_____) consecutive _____________ installments: the first ______________ (_____) installments of which shall each be in the amount of $_____________ and the last installment of which shall be in the amount of $_____________, payable on the _____________ day of each _____________ in each year, commencing _____________, 20__; (or)

T

in two (2) installments, to be paid on the dates and in the amounts set forth in the following schedule:

Date Payment Date

Principal Amount of Payment

1/29/2009

$200,000.00

4/29/2009

$200,000.00

The Borrower will pay interest on the unpaid principal amount hereof from time to time outstanding computed on the basis of a 360-day year, at a rate per annum which shall be equal to

¨

_____% per annum, or

T

1% per annum above the rate of interest designated by the Bank, and in effect from time to time, as its “Reference Rate”, adjusted when said Reference Rate changes.  (The Borrower acknowledges that the Reference Rate may not be necessarily represent the lowest rate of interest charged by the Bank to customers.

The Borrower will pay interest, at the rate described above, monthly on the last day of each month in each year, commencing November, 2008, at maturity (whether by acceleration or otherwise) and upon the making of any prepayment as hereinafter provided.  In addition, the Borrower will pay interest on any overdue installment of principal for the period for which overdue, on demand, at a rate equal to 3% per annum above the rate of interest hereinabove indicated.

In no event shall interest exceed the maximum legal rate permitted by law.

2

All Property (as hereinafter defined) held by the Bank shall be subject to a security interest in favor of the Bank as security for any and all Liabilities (as hereinafter defined).  The term “Property” shall mean the balance of every deposit account of the Borrower with the Bank or any of the Bank’s nominees or agents and all other obligations of the Bank or any of its nominees or agents to the Borrower, whether now existing or hereafter arising, and all other personal property of the Borrower (including without limitation all money, accounts, general intangibles, goods, instruments, documents and



W:\AMERITRANS\SEC filings\Bank Leumi Installment Promissory Note.doc


chattel paper) which, or evidence of which, are now or at any time in the future shall come into the possession or under the control of or be in transit to the Bank or any of its nominees or agents for any purpose, whether or not accepted for the purposes of which it was delivered.  The term “Liabilities” shall mean the indebtedness evidenced by this Note and all other indebtedness, liabilities and obligations of any kind of the Borrower (or any partnership or other group of which the Borrower is a member) to (a) the Bank, (b) any group of which the Bank is a member, or (c) any other person if the Bank has a participation or other interest in such indebtedness, liabilities or obligations, whether (i) for the Bank’s own account or as agent for others, (ii) acquired directly or indirectly by the Bank from the Borrower or others, (iii) abso lute or contingent, joint or several, secured or unsecured, liquidated or unliquidated, due or not due, contractual or tortious, now existing or hereafter arising, or (iv) incurred by the Borrower as principal, surety, endorser, guarantor or otherwise, and including without limitations all expenses, including attorneys’ fees, incurred by the Bank in connection with any such indebtedness, liabilities or obligations or any of the Property (including any sale or other disposition of the Property).

3

[REMOVED]

4

Manner of Payment.  All payments by the Borrower on account of principal, interest or fees hereunder shall be made in lawful money of the United States of America, in immediately available funds.  The Borrower authorizes (but shall not require) the Bank to debit any account maintained by the Borrower with the Bank, at any date on which a payment is due under this Note, in an amount equal to any unpaid portion of such payment.  If any payment of principal or interest becomes due on a day on which the Bank is closed (as required or permitted by law or otherwise), such payment shall be made not later than the next succeeding business day except as may be otherwise provided herein, and such extension shall be included in computing interest in connection with such payment.  In the event that any other Liabilities of the Borrower to the Bank are due at any time that the Ban k receives a payment from the Borrower on account of this Note or any such other Liabilities in such manner as the Bank, in its discretion, elects, regardless of any instructions from the Borrower to the contrary.  The Bank or any holder may accept late payments, or partial payments, even though marked “payment in full” or containing words of similar import or other conditions, without waiving any of its rights.

B.

EVENTS OF DEFAULT; REMEDIES

Upon the happening, with respect to the Borrower or any guarantor of this Note or any assets of any such Borrower or guarantor, of any of the following events (each an “Event of Default”):  death of the Borrower or any guarantor or any member of the Borrower or guarantor (if a partnership); the failure to furnish the Bank with any requested information or failing to permit inspection of books or records by the Bank or any of its agents; the making of any misrepresentation to the Bank in obtaining credit for any of them; dissolution (if a corporation or partnership); the making of a mortgage or pledge; the commencement of a foreclosure proceeding; default in the payment of principal or interest on this Note or in the performance or observance of any covenant or agreement contained herein or in the payment of any other obligation of the Borrower or guarantor held by the Bank or hol der hereof or in the performance or observance of any covenant or agreement contained in the instrument evidencing such obligation, default in the payment of principal of or interest on any indebtedness for borrowed money owed to any other person or entity (including any such indebtedness in the nature of a lease) or default in the performance or observance of the terms of any instrument pursuant to which such indebtedness was created or is secured, the effect of which default is to cause or permit any holder of any such indebtedness to cause the same to become due prior to its stated maturity (and whether or not such default is waived by the holder thereof); a change in the financial condition or affairs of any of them which in the opinion of the Bank or subsequent holder hereof materially reduces his, their or its ability to pay all of his, their or its obligations; the suspension of business; the making of an assignment for the benefit of its creditors, or the appointment of a trustee, receiver or liquida tor for the Borrower or any guarantor or for any of his, its or



2

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their property, or the commencement of any proceedings by the Borrower or any guarantor under any bankruptcy, reorganization, arrangement of debt, insolvency, readjustment of debt, receivership, liquidation or dissolution law or statute (including, if the Borrower or any guarantor is a partnership, its dissolution pursuant to any agreement or statute), or the commencement of any such proceedings without the consent of the Borrower or guarantor, as the case may be, and such proceedings shall continue undischarged for a period of 30 days, the sending of notice of an intended bulk sale, the entry of judgments or any attachment, levy or execution against any of his, their or its properties shall not be released, discharged, dismissed, stayed or fully bonded for a period of 30 days or more after its entry, issue or levy, as the case may be, or the issuance of a warrant of distraint or assert ion of a lien for unpaid taxes, this Note, if not then due or payable on demand, shall become due and payable immediately without demand or notice and all other debts or obligations of the Borrowers hereof to the Bank or holder hereof, whether due or not due and whether direct or contingent and howsoever evidenced, shall, at the option of the Bank or holder hereof, also become due and payable immediately without demand or notice.

The balance of every account of the Borrower with, and each claim of the Borrower against the Bank existing from time to time shall be subject to a lien and subject to be set off against any and all Liabilities, including those hereunder.

C.

MISCELLANEOUS

1

Covenants.  So long as this Note shall remain outstanding, the Borrower agrees to (a) furnish to the Bank within 90 days after the end of each fiscal year of the Borrower, financial statements (including a balance sheet and an operating statement), prepared and certified by independent accountants acceptable to the Bank, and within 45 days after the end of each fiscal quarter of the Borrower, unaudited quarterly financial statements (including a balance sheet and an operating statement), (b) furnish to the Bank personal financial statements or business financial statements as applicable, satisfactory in form in all respects to the Bank, (c) furnish to the Bank, with reasonable promptness, such other information concerning the business, operations, properties and condition, financial or otherwise, of the Borrower as the Bank may reasonably request from time to time, (d ) at any reasonable time and from time to time, permit the Bank or any of its agents or representatives to examine and make copies of and abstracts from its records and books of account visit its properties and discuss its affairs, finances and accounts with any of its officers, directors or independent accountants.

2

No Waiver; Remedies Cumulative.  No failure on the part of the Bank to exercise, and no delay in exercising any right hereunder shall operate as a waiver thereof nor shall any single or partial exercise by the Bank of any right hereunder preclude any other or further exercise thereof or the exercise of any other right.  The remedies herein provided are cumulative and not exclusive of any remedies provided by any other instrument or document or under applicable law.

3

Costs and Expenses.  The Borrower shall reimburse the Bank for all costs and expenses by it and shall pay the reasonable fees and disbursements of counsel to the Bank in connection with enforcement of the Bank’s rights hereunder.  The Borrower shall also pay any and all taxes (other than taxes on or measured by net income of the holder of this Note) incurred or payable in connection with the execution and delivery of this Note.

4

Amendments.  No amendment, modification or waiver of any provision of this Note nor consent to any departure by the Borrower therefrom shall be effective unless the same shall be in writing and signed by the Bank and then such waiver or consent shall be effective only in the specific instance and for the specific purpose for which given.



3

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5

Construction.  This Note shall be deemed to be a contract made under the laws of the State of New York and shall be construed in accordance with the laws of said State.

6

Successors and Assigns.  This Note shall be binding upon the Borrower and its heirs, legal representatives, successors and assigns and the terms hereof shall inure to the benefit of the Bank and its successors and assigns, including subsequent holders thereof.

7

Severability.  The provisions of this Note are severable, and if any provision shall be held invalid or unenforceable in whole or in part in any jurisdiction, then such invalidity or unenforceability shall not in any manner affect such provision in any other jurisdiction or any other provision of this Note in any jurisdiction.

8

Joint and Several Liability.  The undersigned, if more than one, shall be jointly and severally liable hereunder.

9

Jurisdiction; Waiver of Jury Trial.  The Borrower hereby irrevocably consents to the jurisdiction of any New York State or Federal court located in New York City over any action or proceeding arising out of any dispute between the Borrower and the Bank, and the Borrower further irrevocably consents to the service of process in any such action or proceeding by the mailing of a copy of such process to the Borrower at the address set forth below.  In the event of litigation between the Bank and the Borrower over any matter connected with this Note or resulting from transactions hereunder, the right to a trial by jury is hereby waived by the Bank and the Borrower.  The Borrower also waives the right to interpose any set-off or counterclaim of any nature.

 

Elk Associates Funding Corp.



(Name of maker)


(Name of maker continued)

By Gary C. Granoff, President




Margaret Chance, Vice President




747 Third Avenue




New York, NY  10017



(Address)

[Corporate Seal]

 




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EX-31 4 exhibit311ceocertification.htm EXHIBIT 31.1 SECTION 302 CEO CERTIFICATION Exhibit 31

Exhibit 31.1

CERTIFICATION UNDER SECTION 302 OF THE SARBANES OXLEY ACT OF 2002
DISCLOSURE IN THE REGISTRANT’S QUARTERLY REPORT

I, Michael Feinsod, Chief Executive Officer, and President of Ameritrans Capital Corporation, certify that:

1.

I have reviewed this quarterly report on Form 10 Q of Ameritrans Capital Corporation (the “report”);

2.

Based on my knowledge, this 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 report;

3.

Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operation, and cash flows of the registrant as of, and for, the periods presented in the 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 15(e) and 15d 15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a 15(f) and 15d 15(f)) for the registrant and have:

(a)

Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under my supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to me by others within those entities, particularly during the period in which this report is being prepared;

(b)

Designed such internal control over financial reporting, or caused such internal controls over financial reporting to be designed under my supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principle;

(c)

Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report my conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d)

Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5.

The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

(a)

All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

(b)

Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Dated: November 19, 2008

By:

/s/ Michael Feinsod


Michael Feinsod

President and Chief Executive Officer



EX-31 5 exhibit312cfocertification.htm EXHIBIT 31.2 SECTION 302 CFO CERTIFICATION Exhibit 31

Exhibit 31.2

CERTIFICATION UNDER SECTION 302 OF THE SARBANES OXLEY ACT OF 2002
DISCLOSURE IN THE REGISTRANT’S QUARTERLY REPORT

I, Gary C. Granoff, Chief Financial Officer, and Chairman of Ameritrans Capital Corporation, certify that:

1.

I have reviewed this quarterly report on Form 10 Q of Ameritrans Capital Corporation (the “report”);

2.

Based on my knowledge, this 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 report;

3.

Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operation, and cash flows of the registrant as of, and for, the periods presented in the 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 15(e) and 15d 15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a 15(f) and 15d 15(f)) for the registrant and have:

(a)

Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under my supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to me by others within those entities, particularly during the period in which this report is being prepared;

(b)

Designed such internal control over financial reporting, or caused such internal controls over financial reporting to be designed under my supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principle;

(c)

Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report my conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d)

Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5.

The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

(a)

All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

(b)

Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Dated: November 19, 2008

By:

/s/ Gary C. Granoff


Gary C. Granoff

Chief Financial Officer and Chairman



EX-32 6 exhibit321ceocertification.htm EXHIBIT 32.1 SECTION 906 CEO CERTIFICATION Exhibit 31

Exhibit 32.1

CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES OXLEY ACT OF 2002

In connection with the Quarterly Report of Ameritrans Capital Corporation (the “Company”) on Form 10-Q for the quarter ended September 30, 2008, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned hereby certifies, pursuant to 18 U.S.C. §1350, as adopted pursuant to §906 of the Sarbanes Oxley Act of 2002, that, based on my knowledge:

1.

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 as of the dates and for the periods expressed in the Report.


By: /s/ Michael Feinsod


Michael Feinsod


President and Chief Executive Officer

November 19, 2008



EX-32 7 exhibit322cfocertification.htm EXHIBIT 32.2 SECTION 906 CFO CERTIFICATION Exhibit 31

Exhibit 32.2

CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES OXLEY ACT OF 2002

In connection with the Quarterly Report of Ameritrans Capital Corporation (the “Company”) on Form 10-Q for the quarter ended September 30, 2008, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned hereby certifies, pursuant to 18 U.S.C. §1350, as adopted pursuant to §906 of the Sarbanes Oxley Act of 2002, that, based on my knowledge:

1.

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 as of the dates and for the periods expressed in the Report.


By: /s/ Gary C. Granoff


Gary C. Granoff


Chief Financial Officer and Chairman

November 19, 2008





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