Transcontinental Realty Investors
TCI
#8091
Rank
$0.30 B
Marketcap
$35.38
Share price
0.43%
Change (1 day)
26.31%
Change (1 year)

Transcontinental Realty Investors - 10-Q quarterly report FY


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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549


FORM 10-Q


[X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTER ENDED JUNE 30, 2001
-------------


Commission File Number 1-9240
------


TRANSCONTINENTAL REALTY INVESTORS, INC.
--------------------------------------------------------
(Exact Name of Registrant as Specified in Its Charter)


Nevada 94-6565852
- --------------------------------- ---------------------
(State or Other Jurisdiction of (I.R.S. Employer
Incorporation or Organization) Identification No.)


1800 Valley View Lane, Suite 300, Dallas, Texas 75234
- --------------------------------------------------------------------------------
(Address of Principal Executive Office) (Zip Code)



(469) 522-4200
------------------------------
(Registrant's Telephone Number,
Including Area Code)


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 during
the preceding 12 months (or for such shorter period that the Registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.
Yes X . No .
--- ---


APPLICABLE ONLY TO CORPORATE ISSUERS:


Indicate the number of shares outstanding of each of the issuer's classes of
Common Stock, as of the latest practicable date.



Common Stock, $.01 par value 8,635,894
- ---------------------------- ----------------------------------
(Class) (Outstanding at July 31, 2001)

1
PART I. FINANCIAL INFORMATION



ITEM 1. FINANCIAL STATEMENTS
- -----------------------------

The accompanying Consolidated Financial Statements have not been audited by
independent certified public accountants, but in the opinion of the management
of Transcontinental Realty Investors, Inc. ("TCI"), all adjustments (consisting
of normal recurring accruals) necessary for a fair presentation of TCI's
consolidated financial position, consolidated results of operations and
consolidated cash flows at the dates and for the periods indicated, have been
included.



TRANSCONTINENTAL REALTY INVESTORS, INC.
CONSOLIDATED BALANCE SHEETS



<TABLE>
<CAPTION>
June 30, December 31,
2001 2000
------------ ------------
(dollars in thousands)
<S> <C> <C>
Assets
Real estate held for investment............................................ $ 671,099 $ 727,227
Less - accumulated depreciation............................................ (87,945) (88,187)
------------ ------------
583,154 639,040

Foreclosed real estate held for sale....................................... 485 1,824

Notes and interest receivable
Performing................................................................. 11,263 8,709

Less--allowance for estimated losses....................................... (537) (537)
------------ ------------
10,726 8,172

Investment in real estate entities......................................... 19,946 15,464

Cash and cash equivalents.................................................. 29,717 22,323
Other assets (including $14,658 in 2001 and $10,243 in
2000 from affiliates and related parties)................................. 45,926 45,062
------------ ------------

$ 689,954 $ 731,885
============ ============
</TABLE>


The accompanying notes are an integral part of these Consolidated Financial
Statements.

2
TRANSCONTINENTAL REALTY INVESTORS, INC.
CONSOLIDATED BALANCE SHEETS - Continued


<TABLE>
<CAPTION>
June 30, December 31,
2001 2000
------------ ------------
(dollars in thousands)
<S> <C> <C>
Liabilities and Stockholders' Equity

Liabilities
Notes and interest payable................................................. $ 446,535 $ 501,734
Other liabilities (including $1,130 in 2001 and $491 in
2000 to affiliates and related parties)................................... 22,433 23,722
------------ ------------
468,968 525,456

Commitments and contingencies

Minority interest.......................................................... 4,294 4,369

Redeemable Preferred Stock
Series B; $.01 par value; authorized, 300,000
shares; issued and outstanding 300,000 shares
(liquidation preference $1,500).......................................... 1,350 1,350

Embedded derivative........................................................ 150 150

Stockholders' equity
Preferred Stock
Series A; $.01 par value; authorized, 6,000
shares; issued and outstanding 5,829
shares (liquidation preference $583)...................................... -- --
Common Stock, $.01 par value; authorized, 10,000,000
shares; issued and outstanding 8,635,894 shares in 2001
and 8,636,354 in 2000..................................................... 86 86
Paid-in capital............................................................ 278,245 278,245
Accumulated distributions in excess of accumulated
earnings.................................................................. (60,080) (74,712)
Unrealized (loss) on marketable equity securities of
affiliates................................................................ (3,059) (3,059)
------------ ------------

215,192 200,560
------------ ------------

$ 689,954 $ 731,885
============ ============
</TABLE>

The accompanying notes are an integral part of these Consolidated Financial
Statements.

3
TRANSCONTINENTAL REALTY INVESTORS, INC.
CONSOLIDATED STATEMENTS OF OPERATIONS


<TABLE>
<CAPTION>
For the Three For the Six
Months Months
Ended June 30, Ended June 30,
---------------------------- ---------------------------
2001 2000 2001 2000
---------- ---------- ---------- ----------
(dollars in thousands, except per share)

<S> <C> <C> <C> <C>
Property revenue
Rents......................................... $ 36,074 $ 34,605 $ 71,041 $ 68,691

Property expense
Property operations (including
$1,391 in 2001 and $2,078 in
2000 to affiliates and related
parties)................................... 20,194 18,345 40,441 36,763
---------- ---------- ---------- ----------
Operating income........................... 15,880 16,260 30,600 31,928


Other income
Interest and other........................... 645 588 1,258 992
Equity (loss) of equity investees............ (999) (299) (2,366) (292)
Gain on sale of real estate.................. 22,265 8,856 28,749 17,807
---------- ---------- ---------- ----------
21,911 9,145 27,641 18,507

Other expense
Interest..................................... 10,841 11,936 21,953 23,151
Depreciation................................. 4,992 4,208 10,049 9,469
Advisory fee to affiliates................... 1,439 1,380 2,941 2,562
Net income fee to affiliate.................. 1,103 400 1,129 752
Incentive fee paid to affiliate.............. 1,577 -- 1,577 --
General and administrative
(including $1,603 in 2001 and
$1,344 in 2000 to affiliates
and related parties)....................... 3,499 1,715 5,923 4,387
Minority interest............................ 9 (9) 22 (17)
---------- ---------- ---------- ----------
23,460 19,630 43,594 40,304
---------- ---------- ---------- ----------

Net income..................................... 14,331 5,775 14,647 10,131
Preferred dividend requirement................. (8) (7) (15) (14)
---------- ---------- ---------- ----------

Net income applicable to Common
shares....................................... $ 14,323 $ 5,768 $ 14,632 $ 10,117
========== ========== ========== ==========


Basic and diluted earnings per share
Net income applicable to Common
shares....................................... $ 1.65 $ .67 $ 1.68 $ 1.17
========== ========== ========== ==========


Weighted average Common shares used
in computing earnings per share.............. 8,686,091 8,629,504 8,686,217 8,628,496
========== ========== ========== ==========
</TABLE>

The accompanying notes are an integral part of these Consolidated Financial
Statements.

4
TRANSCONTINENTAL REALTY INVESTORS, INC.
CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY


<TABLE>
<CAPTION>
Accumulated
Common Stock Distributions Accumulated
----------------------- in Excess of Other
Paid-in Accumulated Comprehensive Stockholders'
Shares Amount Capital Earnings Income Equity
---------- ---------- ---------- ------------- ------------- -------------
(dollars in thousands, except per share)
<S> <C> <C> <C> <C> <C> <C>
Balance, January 1, 2001............... 8,636,354 $ 86 $ 278,245 (74,712) (3,059) $ 200,560

Net income........................... -- -- -- 14,647 -- 14,647

Fractional shares...................... (460) -- -- -- -- --

Preferred dividends
($2.50 per share)..................... -- -- (15) -- -- (15)
---------- ---------- ---------- ------------- ------------- -------------

Balance, June 30, 2001................. 8,635,894 $ 86 $ 278,245 (60,080) (3,059) $ 215,192
========== ========== ========== ============= ============= =============
</TABLE>

The accompanying notes are an integral part of these Consolidated Financial
Statements.

5
TRANSCONTINENTAL REALTY INVESTORS, INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS

<TABLE>
<CAPTION>
For the Six
Months
Ended June 30,
-------------------------
2001 2000
-------- --------
(dollars in thousands)
<S> <C> <C>
Cash Flows from Operating Activities
Rents collected............................................................ $ 69,805 $ 67,321
Interest collected......................................................... 700 104
Interest paid.............................................................. (20,643) (22,093)
Payments for property operations (including $1,391 in
2001 and $2,078 in 2000 to affiliates and related
parties)................................................................. (40,775) (38,853)
Advisory and net income fee paid to affiliate.............................. (3,480) (4,295)
Incentive fee paid to affiliate............................................ (1,577) --
General and administrative expenses paid (including
$1,603 in 2001 and $1,344 in 2000 to affiliates and
related parties)......................................................... (5,917) (5,234)
Distributions from operating cash flow of equity
investees................................................................ 50 191
Other...................................................................... 453 201
-------- --------
Net cash used in operating activities.................................... (1,384) (2,658)

Cash Flows from Investing Activities
Collections on notes receivable............................................ 2,531 1,047
Funding of notes receivable................................................ (5,000) (12,000)
Acquisition of real estate (including $130 in 2001
and $1,626 in 2000 to affiliates and related
parties)................................................................. (1,815) (21,053)
Real estate improvements................................................... (5,524) (6,249)
Proceeds from sale of real estate.......................................... 56,530 3,911
Refunds of (deposits on) pending purchases and
financings............................................................... (3,049) 1,726
Contributions (to)/from equity investees................................... (1,931) 1,296
-------- --------
Net cash provided by (used in) investing activities.................... 41,742 (31,322)

Cash Flows from Financing Activities
Payments on notes payable.................................................. (34,571) (42,356)
Proceeds from notes payable................................................ 4,600 45,424
Deferred financing costs (including $45 in 2001 and
$241 in 2000 to affiliates and related parties).......................... (524) (971)
Payments (to) from advisor................................................. (2,510) 5,585
(Advance to)/from affiliate................................................ 56 (3,300)
Dividends to stockholders.................................................. (15) (3,121)
Sale of Common Stock under dividend reinvestment
plan..................................................................... -- 54
-------- --------
Net cash provided by (used in) financing
activities........................................................... (32,964) 1,315

Net increase (decrease) in cash and cash equivalents......................... 7,394 (32,665)
Cash and cash equivalents, beginning of period............................... 22,323 41,266
-------- --------
Cash and cash equivalents, end of period..................................... $ 29,717 $ 8,601
======== ========
</TABLE>

The accompanying notes are an integral part of these Consolidated Financial
Statements.

6
TRANSCONTINENTAL REALTY INVESTORS, INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS - Continued


<TABLE>
<CAPTION>
For the Six Months
Ended June 30,
--------------------------
2001 2000
--------- --------
(dollars in thousands)
<S> <C> <C>
Reconciliation of net income to net cash used in
operating activities
Net income................................................................... $ 14,647 $ 10,131
Adjustments to reconcile net income to net cash
used in operating activities
Depreciation and amortization.............................................. 10,049 10,713
Gain on sale of real estate................................................ (28,749) (17,807)
Equity loss of equity investees............................................ 2,366 292
Distributions from operating cash flow of equity
investees................................................................ 50 191
(Increase) in interest receivable.......................................... (55) (420)
(Increase) decrease in other assets........................................ 1,376 (5)
Increase (decrease) in interest payable.................................... 221 (247)
(Decrease) in other liabilities............................................ (1,289) (5,506)
-------- --------

Net cash used in operating activities.................................... $(1,384) $(2,658)
======== ========


Schedule of noncash investing and financing activities

Notes payable assumed on purchase of real estate............................. $ 1,051 $ 14,015

Notes payable assumed by buyer on sale of real estate........................ (26,060) (8,652)

Unrealized loss on marketable equity securities of
affiliate.................................................................. -- (6,156)

Limited partnership interest received on
sale of real estate........................................................ 2,050 --
</TABLE>

The accompanying notes are an integral part of these Consolidated Financial
Statements.

7
TRANSCONTINENTAL REALTY INVESTORS, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS



NOTE 1. BASIS OF PRESENTATION
- -----------------------------

TCI is a Nevada corporation and successor to a California business trust which
was organized on September 6, 1983. TCI invests in real estate through direct
ownership, leases and partnerships. TCI also invests in mortgage loans on real
estate.

The accompanying Consolidated Financial Statements have been prepared in
accordance with generally accepted accounting principles for interim financial
information and with the instructions to Form 10-Q and Article 10 of Regulation
S-X. Accordingly, they do not include all of the information and footnotes
required by generally accepted accounting principles for complete financial
statements. Dollar amounts in tables are in thousands, except per share amounts.

Operating results for the six month period ended June 30, 2001, are not
necessarily indicative of the results that may be expected for the year ending
December 31, 2001. For further information, refer to the Consolidated Financial
Statements and notes included in TCI's Annual Report on Form 10-K for the year
ended December 31, 2000 (the "2000 Form 10-K").

Certain balances for 2000 have been reclassified to conform to the 2001
presentation.

NOTE 2. REAL ESTATE
- -------------------

In 2001, TCI purchased the following properties:

<TABLE>
<CAPTION>
Units/ Purchase Net Cash Debt Interest Maturity
Property Location Acres/Sq.Ft. Price Paid Incurred Rate Date
- ------------------------ ------------------ ------------ --------- -------- ----------- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C>
Second Quarter
Apartments
Courtyard Midland, TX 133 Units $ 1,425 $ 345 $ 1,051 (1) 9.25% 04/06

Land
Solco-Valley Ranch Dallas, TX 6.07 Acres 1,454 1,525 -- -- --
Limestone Ranch Lewisville, TX 10.5 Acres 505 (2) -- -- -- --
Mira Lago Farmers Branch, TX 8.88 Acres 541 (2) -- -- -- --

Third Quarter
Land
Seminary West Fort Worth, TX 5.36 Acres 222 232 -- -- --
</TABLE>

- --------------------
(1) Assumed debt.
(2) Land was received from a related party in exchange for the Glenwood
Apartments.

8
TRANSCONTINENTAL REALTY INVESTORS, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - Continued


NOTE 2. REAL ESTATE (Continued)
- ------- -----------

In the six months ended June 30, 2000, TCI purchased the following properties:

<TABLE>
<CAPTION>
Units/ Purchase Net Cash Debt Interest Maturity
Property Location Acres/Sq.Ft. Price Paid Incurred Rate Date
- ------------------------ ------------------ ------------- -------- -------- -------- --------- ---------
<S> <C> <C> <C> <C> <C> <C> <C>
First Quarter
Apartments
Quail Creek Lawrence, KS 95 Units $ 3,250 $1,088 $2,254 7.44% 07/03
Apple Lane Lawrence, KS 75 Units 1,575 595 1,005 8.63 05/07

Land
Netzer Collin County, TX 20 Acres 400 418 -- -- --
Lamar/Parmer Austin, TX 17.07 Acres 1,500 517 1,030 10.00 12/00 (1)
Manhattan Farmers Branch, TX 108.9 Acres 10,743 6,144 5,000 14.00 02/01 (2)
DF Fund Collin County, TX 79.5 Acres 2,545 1,047 1,545 10.00 03/01 (3)

Second Quarter
Apartments
Autumn Chase Midland, TX 64 Units 1,338 458 936 9.45 (4) 04/05
Primrose Bakersfield, CA 162 Units 4,100 1,189 3,000 9.25 (4) 03/07
Paramount Terrace Amarillo, TX 181 Units 3,250 561 2,865 9.38 09/01

Office Building
9033 Wilshire Blvd. Los Angeles, CA 44,253 Sq.Ft. 9,225 2,536 6,861 8.07 08/09
Bay Plaza II Tampa, FL 78,882 Sq.Ft. 4,825 4,786 -- -- --

Land
Limestone Canyon II Austin, TX 9.96 Acres 504 424 -- -- --
</TABLE>
- ---------------

(1) The loan was paid off in March 2001.
(2) The loan was paid off in June 2000.
(3) The property was sold in September 2000.
(4) Variable interest rate

In 2001, TCI sold the following properties:

<TABLE>
<CAPTION>
Units/Sq.Ft./ Sales Net Cash Debt Gain/(Loss)
Property Location Acres Price Received Discharged on Sale
- ------------------------ --------------- ------------- --------- -------- ----------- ------------
<S> <C> <C> <C> <C> <C> <C>
First Quarter
Apartments
Forest Ridge Denton, TX 56 Units $ 2,000 $ 682 $ 1,151 $ 1,014
Heritage Tulsa, OK 136 Units 2,286 206 1,948 1,575
Park at Colonade San Antonio, TX 211 Units 5,800 927 4,066 1,052 (1)

Industrial Warehouse
Zodiac Dallas, TX 35,435 Sq.Ft. 762 183 564 167

Land
McKinney 36 McKinney, TX 1.822 Acres 476 476 -- 355
Round Mountain Austin, TX 110.0 Acres 2,560 2,455 -- 1,047

Second Quarter
Apartments
Bent Tree Gardens Addison, TX 204 Units 9,000 2,669 6,065 (3) 601
Fontenelle Hills Bellevue, NE 338 Units 16,500 3,680 12,454 (3) 4,565
Glenwood Addison, TX 168 Units 3,659 (2) -- 2,537 (3) --
McCallum Glen Dallas, TX 275 Units 8,450 2,633 5,004 (3) 1,375 (4)
</TABLE>

9
TRANSCONTINENTAL REALTY INVESTORS, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - Continued


NOTE 2. REAL ESTATE (Continued)
- ------- -----------

<TABLE>
<CAPTION>
Units/Sq.Ft./ Sales Net Cash Debt Gain/(Loss)
Property Location Acres Price Received Discharged on Sale
- ------------------------ -------------- -------------- ------- -------- ---------- -----------
<S> <C> <C> <C> <C> <C> <C>
Office Buildings
Daley San Diego, CA 64,425 Sq.Ft. $ 6,211 $2,412 $ 3,346 $ 836
Waterstreet Boulder, CO 106,257 Sq.Ft. 22,250 7,126 12,949 9,154

Industrial Warehouse
Technology Trading Sterling, VA 197,659 Sq.Ft. 10,775 4,120 6,214 4,163

Land
Moss Creek Greensboro, NC 4.79 Acres 15 13 -- (71)

Third Quarter
Office Buildings
Chesapeake Center San Diego, CA 57,493 Sq.Ft. 6,575 3,111 2,844 204
- ---------------------
</TABLE>

(1) Excludes a $550,000 deferred gain from a limited partnership interest in
the sold property.
(2) The Glenwood Apartments were exchanged with a related party for two parcels
of land; the 10.5 acre Limestone Ranch and the 8.88 acre Mira Lago.
(3) Debt assumed by purchaser.
(4) Excludes a $1.5 million deferred gain from a limited partnership interest
in the sold property.

In the six months ended June 30, 2000, TCI sold the following properties:

<TABLE>
<CAPTION>
Units/ Sales Net Cash Debt Gain on
Property Location Rooms/Sq.Ft. Price Received Discharged Sale
- ------------------------ ---------------- ------------ ------- -------- ----------- -------
<S> <C> <C> <C> <C> <C> <C>
First Quarter
Apartments
Hunters Bend San Antonio, TX 96 Units $ 1,683 $ 418 $1,127 (1) $ 572
Westgate of Laurel Laurel, MD 218 Units 11,290 2,599 7,525 (1) 3,575

Second Quarter
Apartments
Apple Creek Dallas, TX 216 Units 4,300 2,155 1,723 3,240
Villas at Fairpark Los Angeles, CA 49 Units 3,435 792 2,386 1,188

Hotel
Chateau Charles Lake Charles, LA 245 Rooms 1,000 928 -- 633
</TABLE>
- ---------------------

(1) Debt assumed by purchaser.

NOTE 3. NOTES AND INTEREST RECEIVABLE
- ------- -----------------------------

In March 2001, TCI funded a $3.5 million mortgage loan secured by a second lien
on a retail center in Montgomery County, Texas. In June 2001, an additional
$1.5 million was funded. The note receivable bears interest at 16.0% per annum,
requires monthly interest only payments of $67,000 and matures September 2001.

10
TRANSCONTINENTAL REALTY INVESTORS, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - Continued


NOTE 3. NOTES AND INTEREST RECEIVABLE (Continued)
- ------- -----------------------------

In June 2001, a mortgage loan with a principal balance of $2.5 million was paid
off including accrued but unpaid interest.

In July 2001, TCI funded a $1.7 million mortgage loan secured by a second lien
on 44.6 acres of unimproved land in Fort Worth, Texas. The note receivable
bears interest at 16.0% per annum, requires monthly payments of accrued interest
beginning September 2001 and each month thereafter and matures January 2002.

Also in July 2001, TCI funded a $3.3 million loan secured by a second lien on a
proposed 392 lot, single family subdivision and an additional 1,714.16 acres of
excess land in Tarrant County, Texas. The note receivable bears interest at
15.0% per annum, requires monthly payments of accrued interest beginning
September 2001 and each month thereafter and matures July 2003.

NOTE 4. INVESTMENT IN REAL ESTATE ENTITIES
- ------- ----------------------------------

In February 2001, TCI entered into a joint venture with UBM
Liegenschaftsverwertung GmbH ("UBM"), an Austrian limited liability company, to
invest in the construction and ownership of a 165 room hotel in Wroclaw,
Poland. UBM will invest 2.0 million Euro dollars ($1.8 million) and TCI will
invest 4.0 million Euro dollars ($3.7 million) and guarantee a 16 million Euro
dollars ($15.0 million) mortgage loan for the project. TCI contributed 2.0
million Euro dollars ($1.8 million) in May 2001 and 1.0 million Euro dollars
($858,000) in July 2001. TCI will hold a 66.7% interest. Construction for the
project began in the fall of 2000 and completion of the hotel is scheduled for
December 2001.

In March 2001, in conjunction with the sale of the 211 unit Park at Colonade
Apartments in San Antonio, Texas, TCI received a 23% limited partner interest in
the acquiring partnership. TCI is to receive payments of $5,000 monthly from
the partnership, a $50,000 distribution in June 2001 which was received and its
remaining investment in March 2002. In July 2001, TCI assigned its limited
partnership interest to the general partner, receiving a discounted payoff of
$490,000. In conjunction with this assignment, TCI recognized a previously
deferred gain on the sale of the apartments of $540,000.

In June 2001, in conjunction with the sale of the 275 unit McCallum Glen
Apartments in Dallas, Texas, TCI received a 30% limited partner interest in the
acquiring partnership. TCI is to receive payments of $12,500 monthly from the
partnership and its remaining investment of $1.5 million in June 2003.

Prior to the first quarter of 2001, TCI accounted for its investment in American
Realty Investors, Inc. ("ARI"), an affiliate, as an available for sale
marketable security. In the first quarter of 2001, TCI began accounting for its
investment in ARI on the equity method.

11
TRANSCONTINENTAL REALTY INVESTORS, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - Continued


NOTE 5. INVESTMENTS IN EQUITY INVESTEES
- ------- -------------------------------

Real estate entities. TCI's investment in real estate entities at June 30,
2001, included equity securities of two publicly traded real estate entities,
Income Opportunity Realty Investors, Inc. ("IORI") and ARI, and interests in
real estate joint venture partnerships. Basic Capital Management, Inc. ("BCM"),
TCI's advisor, serves as advisor to IORI and ARI.

TCI accounts for its investment in IORI and ARI and the joint venture
partnerships using the equity method.

TCI's investment in real estate entities, accounted for using the equity method,
at June 30, 2001 was as follows:

<TABLE>
<CAPTION>
Percentage Carrying Equivalent
of TCI's Value of Investee Market Value
Ownership at Investment at Book Value at of Investment at
Investee June 30, 2001 June 30, 2001 June 30, 2001 June 30, 2001
- ------------------ --------------------- ------------------- -------------------- ---------------------
<S> <C> <C> <C> <C>
IORI.............. 22.8% $ 4,001 $ 38,549 $ 2,835
ARI............... 6.3% 11,050 96,145 7,529
------- -------- -------
15,051 $134,694 $10,364
======== =======
Other 4,895
-------
$19,946
=======
</TABLE>

The difference between the carrying value of TCI's investment and the equivalent
investee book value is being amortized over the life of the properties held by
each investee.

Management continues to believe that the market value of each of IORI and ARI
undervalues their assets and TCI may, therefore, continue to increase its
ownership in these entities.

Set forth below is summarized results of operations of equity investees for the
six months ended June 30, 2001

Revenues.......................................................... $ 90,650
Equity in income of partnerships.................................. 5,708
Property operating expenses....................................... 74,585
Depreciation...................................................... 9,437
Interest expense.................................................. 40,282
--------
(Loss) before gains on sale of real estate........................ (27,946)

Gain on sale of real estate....................................... 46,291
--------
Net income........................................................ $ 18,345
========

TCI's share of equity investees' loss before gains on the sale of real estate
was $2.4 million for the six months ended June 30, 2001, and its share of equity
investees' gains on sale of real estate was $2.9 million for the six months
ended June 30, 2001.

12
TRANSCONTINENTAL REALTY INVESTORS, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - Continued


NOTE 6. NOTES AND INTEREST PAYABLE
- ------- --------------------------

In 2001, TCI financed the following property:

<TABLE>
<CAPTION>
Debt Debt Net Cash Interest Maturity
Property Location Acres Incurred Discharged Received Rate Date
- ---------------------------- ---------- ---------- -------- ---------- -------- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C>
Second Quarter
Land
Red Cross Dallas, TX 2.89 Acres $4,500 $ -- $4,328 12.5%(1) 10/02
</TABLE>
- ------------------

(1) Variable rate.

In the first six months of 2000, TCI financed/refinanced the following
properties:

<TABLE>
<CAPTION>
Debt Debt Net Cash Interest Maturity
Property Location Units/Sq.Ft. Incurred Discharged Received Rate Date
- ---------------------------- --------------- -------------- -------- ---------- -------- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C>
First Quarter
Apartments
Crescent Place Houston, TX 120 Units $2,165 $1,722 $ 370 7.04%(1) 03/30
Madison @ Bear Creek Houston, TX 180 Units 3,500 2,625 730 7.04 (1) 03/30

Office Buildings
Westgrove Air Plaza Addison, TX 78,326 Sq.Ft. 2,087 1,180 742 9.02 (1) 01/05
Venture Center Atlanta, GA 38,772 Sq.Ft. 2,700 1,113 1,592 8.75 03/10

Second Quarter
Apartments
Country Crossing Tampa, FL 227 Units 3,825 2,645 985 9.65 (1) 06/03
Fontenelle Hills Bellevue, NE 338 Units 2,010 -- 1,967 8.51 06/10

Office Building
Technology Trading Sterling, VA 197,659 Sq.Ft. 6,300 3,881 2,065 8.26 (1) 05/05

Warehouses
5360 Tulane Atlanta, GA 67,850 Sq.Ft. 375 208 134 9.65 (1) 04/03
Space Center San Antonio, TX 101,500 Sq.Ft. 1,125 691 402 9.65 (1) 04/03
</TABLE>
- ------------------

(1) Variable interest rate.

NOTE 7. OPERATING SEGMENTS
- ------- ------------------

Significant differences among the accounting policies of the operating segments
as compared to the Consolidated Financial Statements principally involve the
calculation and allocation of administrative expenses. Management evaluates the
performance of each of the operating segments and allocates resources to them
based on their operating income and cash flow. Items of income that are not
reflected in the segments are interest, equity in partnerships and gains on
sales of real estate which totaled $21.9 million and $27.6 million for the three
and six months ended June 30, 2001 and $9.1 million and $18.5 million for the
three and six months ended June 30, 2000. Expenses that are not reflected in
the segments are general and administrative expenses, minority interest,
incentive fees and advisory and net income

13
TRANSCONTINENTAL REALTY INVESTORS, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - Continued


NOTE 7. OPERATING SEGMENTS (Continued)
- ------- ------------------

fees which totaled $7.6 million and $11.6 million for the three and six months
ended June 30, 2001 and $3.5 million and $7.7 million for the three and six
months ended June 30, 2000. Also excluded from segment assets are assets of
$106.3 million at June 30, 2001, and $78.8 million at June 30, 2000, which are
not identifiable with an operating segment. There are no intersegment revenues
and expenses.

Presented below is the operating income of each operating segment for the three
and six months ended June 30, 2001 and 2000, and each segment's assets at June
30.

<TABLE>
<CAPTION>

Three Months Ended Commercial
June 30, 2001 Land Properties Apartments Hotels Total
- --------------------------------------------- ------- ---------- ---------- ------- --------
<S> <C> <C> <C> <C> <C>
Rents........................................ $ 189 $ 18,232 $ 15,704 $ 1,949 $ 36,074
Property operating expenses.................. 183 9,842 9,019 1,150 20,194
------- -------- -------- ------- --------
Operating income............................. $ 6 $ 8,390 $ 6,685 $ 799 $ 15,880
======= ======== ======== ======= ========

Depreciation................................. $ -- $ 3,302 $ 1,409 $ 281 $ 4,992
Interest..................................... 518 5,889 4,097 337 10,841
Real estate improvements..................... 2,943 1,033 47 73 4,096
Assets....................................... 60,913 318,983 184,129 19,614 583,639

Commercial
Property Sales: Land Properties Apartments Total
------- ---------- ---------- --------
Sales price.................................. $ 15 $ 39,236 $ 37,609 $ 76,860
Cost of sales................................ (86) (25,083) (31,068) (56,237)
------- ---------- ---------- --------
Gain on sale................................. (71) $ 14,153 $ 6,541 $ 20,623 (1)
======= ========== ========== ========
</TABLE>
- ----------------------

(1) Excludes TCI's share of gains on sale of real estate recognized by an
equity investee of $1.6 million.

<TABLE>
<CAPTION>

Six Months Ended Commercial
June 30, 2001 Land Properties Apartments Hotels Total
- --------------------------------------------- ------- ---------- ---------- ------- --------
<S> <C> <C> <C> <C> <C>
Rents........................................ $ 325 $ 35,835 $ 31,602 $ 3,279 $ 71,041
Property operating expenses.................. 565 19,152 18,376 2,348 40,441
------- -------- -------- ------- --------
Operating income............................. $ (240) $ 16,683 $ 13,226 $ 931 $ 30,600
======= ======== ======== ======= ========

Depreciation................................. $ -- $ 6,539 $ 2,977 $ 533 $ 10,049
Interest..................................... 829 11,828 8,598 698 21,953
Real estate improvements..................... 2,943 2,284 81 216 5,524
Assets....................................... 60,913 318,983 184,129 19,614 583,639

Commercial
Property Sales: Land Properties Apartments Total
------- ---------- ---------- --------
Sales price.................................. $ 3,051 $ 39,998 $ 47,695 $ 90,744
Cost of sales................................ (1,720) (25,678) (37,513) (64,911)
------- ---------- ---------- --------
Gain on sale................................. $ 1,331 $ 14,320 $ 10,182 $ 25,833 (2)
======= ========== ========== ========
</TABLE>
- ------------------

(2) Excludes TCI's share of gains on sale of real estate recognized by an
equity investee of $2.9 million.

14
TRANSCONTINENTAL REALTY INVESTORS, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - Continued


NOTE 7. OPERATING SEGMENTS (Continued)
- ------- ------------------

<TABLE>
<CAPTION>
Three Months Ended Commercial
June 30, 2000 Land Properties Apartments Hotels Total
- --------------------------------------------- -------------- ---------------- ---------------- -------------- ---------------
<S> <C> <C> <C> <C> <C>
Rents........................................ $ 177 $ 15,133 $ 18,732 $ 563 $ 34,605
Property operating expenses.................. 119 7,373 10,782 71 18,345
------- -------- -------- ------- --------
Operating income............................. $ 58 $ 7,760 $ 7,950 $ 492 $ 16,260
======= ======== ======== ======= ========

Depreciation................................. $ -- $ 2,560 $ 1,401 $ 247 $ 4,208
Interest..................................... 1,100 4,979 5,463 394 11,936
Real estate improvements..................... 55 2,202 272 251 2,780
Assets....................................... 64,122 286,602 263,177 19,640 633,541
</TABLE>

<TABLE>
<CAPTION>
Property Sales: Apartments Hotels Total
---------------- ------------- ---------------
<S> <C> <C> <C>
Sales price.................................. $ 20,708 $1,000 $ 21,708
Cost of sales................................ (12,134) (367) (12,500)
-------- ------ --------
Gain on sale................................. $ 8,575 $ 633 $ 9,208*
======== ====== ========
</TABLE>

<TABLE>
<CAPTION>

Six Months Ended Commercial
June 30, 2000 Land Properties Apartments Hotels Total
- --------------------------------------------- -------------- ---------------- ---------------- -------------- ---------------
<S> <C> <C> <C> <C> <C>
Rents........................................ $ 338 $ 29,398 $ 37,959 $ 996 $ 68,691
Property operating expenses.................. 274 14,557 21,794 138 36,763
------- -------- -------- ------- --------
Segment operating income..................... $ 64 $ 14,841 $ 16,165 $ 858 $ 31,928
======= ======== ======== ======= ========

Depreciation................................. $ -- $ 5,077 $ 3,898 $ 494 $ 9,469
Interest..................................... 1,975 9,855 10,548 773 23,151
Real estate improvements..................... (10) 4,410 1,098 751 6,249
Assets....................................... 64,122 286,602 263,177 19,640 633,541
</TABLE>

<TABLE>
<CAPTION>
Property Sales: Apartments Total
---------------- ---------------
<S> <C> <C>
Sales price.................................. $ 7,735 $ 7,735
Cost of sales................................ (3,307) (3,307)
------- -------
Gain on sale................................. $ 4,428 $4,428*
======= =======
</TABLE>
- --------------------

* Excludes a $4.8 million previously deferred gain on the sale of land and
TCI's share of gains recognized by an equity affiliate of $3.8 million.

NOTE 8. COMMITMENTS AND CONTINGENCIES
- ------- -----------------------------

Liquidity. Although management anticipates that TCI will generate excess cash
from operations in 2001, due to increased rental rates and occupancy and its
properties, such excess, however, will not be sufficient to discharge all of
TCI's debt obligations as they mature. Management intends to selectively sell
income producing real estate, refinance real estate and incur additional
borrowings against real estate to meet its cash requirements.

Commitments. In January 2001, TCI exercised its option under the loan documents
to extend the maturity date of three loans with a principal balance of $30.6
million secured by three office buildings in New Orleans, Louisiana. The lender
has disputed TCI's right to extend the loans. This dispute is subject to
litigation pending in the United States District Court for the Eastern District
of Louisiana.

Litigation. TCI is involved in various lawsuits arising in the ordinary course
of business. Management is of the opinion that the outcome of these lawsuits
will have no material impact on TCI's financial condition, results of operations
or liquidity.

NOTE 9. INCOME TAXES
- ------- ------------

Financial statement income varies from taxable income principally due to the
accounting for income and losses of investees, gains and losses from

15
TRANSCONTINENTAL REALTY INVESTORS, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - Continued


NOTE 9. INCOME TAXES (Continued)
- ------- ------------

asset sales, depreciation on owned properties, amortization of discounts on
notes receivable and payable and the difference in the allowance for estimated
losses. TCI had a loss for federal income tax purposes (after utilization of
operating loss carryforwards) in the three and six months ended June 30, 2001
and 2000; therefore, it recorded no provision for income taxes.

-------------------------


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

Introduction
- ------------

TCI invests in real estate through acquisitions, leases and partnerships. TCI
also invests in mortgage loans. TCI is the successor to a business trust
organized on September 6, 1983, and commenced operations on January 31, 1984.

Liquidity and Capital Resources
- -------------------------------

Cash and cash equivalents totaled $29.7 million at June 30, 2001, compared with
$22.3 million at December 31, 2000. TCI's principal sources of cash have been
and will continue to be from property operations, proceeds from property sales,
the collection of mortgage notes receivable and borrowings. Management
anticipates that TCI's cash on hand, as well as cash generated from property
operations, the sale of properties and the refinancing of certain of TCI's
mortgage debt will be sufficient to meet TCI's cash requirements, including debt
service obligations and expenditures for property maintenance and improvements.

Net cash used in operating activities was $1.4 million for the six months ended
June 30, 2001, compared to $2.7 million for the six months ended June 30, 2000.
The primary factors affecting TCI's cash from operations are discussed in the
following paragraphs.

Cash from property operations (rents collected less payments for expenses
applicable to rental income) of $29.0 million in the six months ended June 30,
2001, approximated the $28.5 million in 2000.

Interest collected increased to $700,000 in the six months ended June 30, 2001,
from $104,000 in 2000. The increase was primarily due to TCI funding two loans
in the fourth quarter of 2000 and one loan funded in the first quarter of 2001.

Interest paid decreased to $20.6 million in the six months ended June 30, 2001,
from $22.1 million in the six months ended June 30, 2000. Of

16
ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
- ------- ---------------------------------------------------------------
RESULTS OF OPERATIONS (Continued)
---------------------

Liquidity and Capital Resources (Continued)
- -------------------------------

the decreases, $2.7 million was from the sale of 27 properties in 2001 and 2000
subject to debt, and $964,000 was from loan payoffs and principal paydowns in
2001 and 2000. These decreases were offset by increases of $2.2 million from
the purchase of 16 properties in 2001 and 2000 subject to debt.

Advisory, incentive and net income fees paid increased to $5.1 million in the
six months ended June 30, 2001, from $4.3 million in the six months ended June
30, 2000. The increase was primarily due to an increase in incentive fees of
$1.6 million paid. The incentive fee is equal to 10% of the amount by which the
aggregate sales consideration for all TCI's properties sold during the year
exceeds the total cost of the property plus a simple 8% annual return to TCI's
net investment in such property. This increase was offset by decreases in
advisor fees and net income fees of $816,000.

General and administrative expenses paid increased to $5.9 million in the six
months ended June 30, 2001, from $5.2 million in the six months ended June 30,
2000. This increase was mainly due to an increase in legal fees and cost
reimbursements to the advisor.

In the first six months of 2001, TCI sold seven apartments, two warehouses, two
office buildings and three parcels of unimproved land for a total of $90.7
million, receiving net cash of $27.6 million after the payoff of existing debt
and the payment of various closing costs. The purchasers assumed $26.1 million
in mortgage debt.

Also in the first six months of 2001, TCI financed a parcel of unimproved land
for $4.5 million, receiving $4.3 million in cash after the payment of various
closing costs.

Further in the first six months of 2001, TCI purchased one apartment and one
parcel of unimproved land for a total of $2.9 million, paying $1.9 million in
cash, including various closing costs, and assumed existing mortgage debt of
$1.1 million. TCI also exchanged one apartment for two parcels of land in the
first six months of 2001.

In the third quarter of 2001, TCI sold one office building for $6.6 million,
receiving net cash of $3.1 million after the payoff of existing debt and the
payment of various closing costs. Also in the third quarter of 2001, TCI
purchased one parcel of unimproved land for $232,000 in cash.

The Board of Directors has approved the repurchase of a total of 1.4 million
shares of TCI's Common Stock. Through June 30, 2001, a total of 409,765 shares
had been repurchased at a total cost of $3.3 million. No shares have been
repurchased under this program since May 1998.

Management reviews the carrying values of TCI's properties and mortgage notes
receivable at least annually and whenever events or a change in circumstances
indicate that impairment may exist. Impairment is

17
ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
- ------- ---------------------------------------------------------------
RESULTS OF OPERATIONS (Continued)
---------------------

Liquidity and Capital Resources (Continued)
- -------------------------------

considered to exist if, in the case of a property, the future cash flow from the
property (undiscounted and without interest) is less than the carrying amount of
the property. For notes receivable, impairment is considered to exist if it is
probable that all amounts due under the terms of the note will not be collected.
If impairment is found to exist, a provision for loss is recorded by a charge
against earnings. The mortgage note receivable review includes an evaluation of
the collateral property securing each note. The property review generally
includes: (1) selective property inspections; (2) a review of the property's
current rents compared to market rents; (3) a review of the property's expenses;
(4) a review of maintenance requirements; (5) a review of the property's cash
flow; (6) discussions with the manager of the property; and (7) a review of
properties in the surrounding area.

Results of Operations
- ---------------------

TCI had net income of $14.3 million and $14.6 million in the three and six
months ended June 30, 2001, including gains on sale of real estate totaling
$22.3 million and $28.7 million, compared to net income of $5.8 million and
$10.1 million in the corresponding periods in 2000, including gains on sale of
real estate totaling $8.9 million and $17.8 million. Fluctuations in this and
other components of revenues and expense between the 2001 and 2000 periods are
discussed below.

Rents in the three and six months ended June 30, 2001, increased to $36.1
million and $71.0 million compared to $34.6 million and $68.7 million in 2000.
Of these second quarter increases, $1.4 million was due to increased occupancies
and rental rates at TCI's office buildings. Of these year to date increases,
$1.9 million for TCI's commercial office buildings and $400,000 for TCI's
apartments were due to increased occupancies and rental rates.

Property operations expense in the three and six months ended June 30, 2001,
increased to $20.2 million and $40.4 million from $18.3 million and $36.8
million in 2000. Of the increases, $1.1 million and $2.3 million were due to
increased operating expenses at TCI's four hotels, and $698,000 and $1.4 million
were due to increased utility and maintenance costs at TCI's office buildings.

Rents and property operating expenses are both expected to decrease as TCI
continues to selectively sell properties.

Interest and other income increased to $645,000 and $1.3 million in the three
and six months ended June 30, 2001, compared to $588,000 and $992,000 in 2000.
The increase was primarily due to TCI funding two loans in the fourth quarter of
2000 and one loan in the first quarter of 2001. Interest income for the
remaining quarters of 2001 is expected to increase from the additional loans
funded in July 2001.

In the three and six months ended June 30, 2001, gains on sale of real estate
totaling $22.3 million and $28.7 million were recognized. The

18
ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
- ------- ---------------------------------------------------------------
RESULTS OF OPERATIONS (Continued)
---------------------

Results of Operations (Continued)
- ---------------------

gains included $1.6 million on the sale of the Heritage Apartments, $167,000 on
the sale of Zodiac Warehouse, $355,000 on the sale of a tract of the McKinney 36
land parcel, $1.0 million on the sale of Forest Ridge Apartments, $1.0 million
on the sale of Park at Colonade Apartments, $1.0 million on the sale of a tract
of the Round Mountain land parcel, $4.6 million on the sale of Fontenelle
Apartments, $601,000 on the sale of Bent Tree Gardens Apartments, $9.1 million
on the sale of Waterstreet Office Building, $4.2 million on the sale of
Technology Trading Center, $1.4 million on the sale of McCallum Glen Apartments,
$836,000 on the sale of Daley Office Plaza, a loss of $71,000 on the Moss Creek
land parcel and $2.9 million in gains on sale of real estate from an equity
investee.

In the three and six months ended June 30, 2000, gains on sale of real estate
totaling $8.9 million and $17.8 million were recognized, $572,000 on the sale of
Hunters Bend Apartments, $3.6 million on the sale of Westgate of Laurel
Apartments, $3.2 million on the sale of Apple Creek Apartments, $1.2 million on
the sale of Villas at Fairpark Apartments, $633,000 on the sale of Chateau
Charles Hotel, a $4.8 million previously deferred gain on the sale of McKinney
land and TCI's share of gains recognized by an equity affiliate of $3.8 million.

Interest expense decreased to $10.8 million and $22.0 million in the three and
six months ended June 30, 2001, from $11.9 million and $23.2 million in 2000.
Of these decreases, $1.4 million and $2.7 million was from the sale of 29
properties subject to debt in 2001 and 2000 and $554,000 and $964,000 was from
loan payoffs and principal paydowns in 2001 and 2000 and the remaining decreases
were due to decreased interest rates on TCI's variable loan balances. These
decreases were offset by increases of $884,000 and $2.2 million from the
purchase of 16 properties in 2001 and 2000 subject to debt and $277,000 for the
six months from the refinancing of 13 properties in 2001 and 2000. Interest
expense for the remaining quarters is expected to decrease as TCI selectively
sells properties.

Depreciation expense increased to $5.0 million and $10.0 million in the three
and six months ended June 30, 2001, from $4.2 million and $9.5 million in 2000.
The increase was primarily due to capital improvements to TCI's office
buildings.

Advisory fee increased to $1.4 million and $2.9 million in the three and six
months ended June 30, 2001, from $1.4 million and $2.6 million in 2000. These
increases were due to an increase in TCI's gross assets, the basis for such fee.
Advisory fees are expected to decrease with decreases in TCI's gross assets.

Net income fee to affiliate was $1.1 million in the three and six months ended
June 30, 2001, as compared to $400,000 and $752,000 in 2000. The net income fee
is payable to TCI's advisor based on 7.5% of TCI's net income.

19
ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
- ------- ---------------------------------------------------------------
RESULTS OF OPERATIONS (Continued)
---------------------

Results of Operations (Continued)
- ---------------------

Incentive fee to affiliate was $1.6 million in the three and six months ended
June 30, 2001. The incentive fee is payable to TCI's advisor based on 10% of
aggregate sales consideration less TCI's cost of all properties sold during the
year. Incentive fees are expected to increase as TCI selectively sells
properties.

General and administrative expenses increased to $3.5 million and $5.9 million
in the three and six months ended June 30, 2001, from $1.7 million and $4.4
million in 2000. These increases were mainly due to an increase in legal fees
and other professional fees.

Prior to the first quarter of 2001, TCI accounted for its investment in ARI, an
affiliate, as an available for sale marketable security. In the first quarter
of 2001, TCI began accounting for its investment in ARI on the equity method.
Equity losses of investees increased to $1.0 million and $2.4 million in the
three and six months ended June 30, 2001 from $299,000 and $292,000 in the three
and six months ended June 30, 2000. The losses from equity investees is
primarily attributed to TCI's accounting for its investment in ARI.

Tax Matters
- -----------

Financial statement income varies from taxable income principally due to the
accounting for income and losses of investees, gains and losses from asset
sales, depreciation on owned properties, amortization of discounts on notes
receivable and payable and the difference in the allowance for estimated losses.
TCI had a loss for federal income tax purposes (after utilization of operating
loss carryforwards) in the three and six months ended June 30, 2001 and 2000;
therefore, it recorded no provision for income taxes.

Inflation
- ---------

The effects of inflation on TCI's operations are not quantifiable. Revenues
from property operations tend to fluctuate proportionately with inflationary
increases and decreases in housing costs. Fluctuations in the rate of inflation
also affect sales values of properties and the ultimate gain to be realized from
property sales. To the extent that inflation affects interest rates, TCI's
earnings from short-term investments, and the cost of new financings as well as
the cost of variable interest rate debt, will be affected.

Environmental Matters
- ---------------------

Under various federal, state and local environmental laws, ordinances and
regulations, TCI may be potentially liable for removal or remediation costs, as
well as certain other potential costs, relating to hazardous or toxic substances
(including governmental fines and injuries to persons and property) where
property-level managers have arranged for the removal, disposal or treatment of
hazardous or toxic substances. In

20
ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
- ------- ---------------------------------------------------------------
RESULTS OF OPERATIONS (Continued)
---------------------

Environmental Matters (Continued)
- ---------------------

addition, certain environmental laws impose liability for release of asbestos-
containing materials into the air, and third parties may seek recovery for
personal injury associated with such materials.

Management is not aware of any environmental liability relating to the above
matters that would have a material adverse effect on TCI's business, assets or
results of operations.

ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISKS
- ------- -----------------------------------------------------------

At June 30, 2001, TCI's exposure to a change in interest rates on its debt is as
follows:

<TABLE>
<CAPTION>

Weighted Effect of 1%
Average Increase In
Balance Interest Rate Base Rates
--------------- --------------------- -------------------
<S> <C> <C> <C>
Notes payable:
Variable rate.......................... $126,369 8.42% $1,264
=============== ======
Total decrease in TCI's
annual net income...................... $1,264
======
Per share................................ $ .15
======
</TABLE>

--------------------------------------------

PART II. OTHER INFORMATION


ITEM 1. LEGAL PROCEEDINGS
- ------- -----------------

In February 1990, TCI, together with National Income Realty Trust, Continental
Mortgage and Equity Trust ("CMET") and Income Opportunity Realty Investors, Inc.
("IORI") three real estate entities which, at the time, had the same officers,
directors or trustees and advisor as TCI, entered into a settlement (the
"Settlement") of a class and derivative action entitled Olive et al. v. National
Income Realty Trust et al., relating to the operation and management of each of
the entities. On April 23, 1990, the Court granted final approval of the terms
of the Settlement. The Settlement was modified in 1994 (the "Modification").

On January 27, 1997, the parties entered into an Amendment to the Modification
effective January 9, 1997 (the "Olive Amendment"). The Olive Amendment provided
for the settlement of additional matters raised by plaintiffs' counsel in 1996.
The Court issued an order approving the Olive Amendment on July 3, 1997.

The Olive Amendment provided that TCI's Board retain a management/compensation
consultant or consultants to evaluate the fairness of the BCM advisory contract
and any contract of its affiliates

21
ITEM 1.  LEGAL PROCEEDINGS (Continued)
- ------- -----------------


with TCI, CMET and IORI, including, but not limited to, the fairness to TCI,
CMET and IORI of such contracts relative to other means of administration. In
1998, the Board engaged a management/compensation consultant to perform the
evaluation which was completed in September 1998.

In 1999, plaintiffs' counsel asserted that the Board did not comply with the
provision requiring such engagement and requested that the Court exercise its
retained jurisdiction to determine whether there was a breach of this provision
of the Olive Amendment. In January 2000, the Board engaged another
management/compensation consultant to perform the required evaluation again.
The evaluation was completed in April 2000 and was provided to plaintiffs'
counsel. The Board believes that any alleged breach of the Olive Amendment has
been fully remedied by the Board's engagement of this second consultant.
Although several status conferences on this matter were held, there has been no
court order resolving whether there was any breach of the Olive Amendment.

In June 2000, plaintiffs' counsel asserted that loans made by TCI to BCM and
American Realty Trust, Inc. breached the provisions of the Modification. The
Board believes that the provisions of the Settlement, Modification and the Olive
Amendment terminated on April 28, 1999. However, in September 2000, the Court
ruled that certain provisions of the Modification continue to be effective after
the termination date. This ruling has been appealed to the United States Court
of Appeals for the Ninth Circuit by TCI and IORI.


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

The annual meeting was held on July 10, 2001, at which meeting stockholders were
asked to consider and vote upon the election of Directors. At the meeting
stockholders elected the following individuals as Directors:

Shares Voting
--------------------------------------
Withheld
Director For Authority
- -------------------------------------- ----------------- -------------------
R. Douglas Leonhard................... 7,406,086 53,074
Ted P. Stokely........................ 7,406,048 55,112
Martin L. White....................... 7,405,233 53,927
Edward G. Zampa....................... 7,405,151 54,009


ITEM 6. EXHIBITS AND REPORTS ON FORM 8-K
- -----------------------------------------

(a) Exhibits:

None.

(b) Reports on Form 8-K as follows:

None.

22
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.



TRANSCONTINENTAL REALTY
INVESTORS, INC.



Date: August 10, 2001 By: /s/ Karl L. Blaha
-------------------------- --------------------------------
Karl L. Blaha
President



Date: August 10, 2001 By: /s/ Louis J. Corna
-------------------------- --------------------------------
Louis J. Corna
Executive Vice President and
Chief Financial Officer
(Principal Financial Officer)

23