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IDAHO PUBLIC UTILITIES COMMISSION :,,/ fL.BL.
UTilIT IES COr"ir-1fSSION
IN THE MATTER OF THE APPLICATION OF
UNITED WATER IDAHO INC. FOR
AUTHORITY TO INCREASE ITS RATES
AND CHARGES FOR WATER SERVICE IN THE STATE OF IDAHO
CASE NO. UWI-04-
DIRECT TESTIMONY OF TERRI CARLOCK
IDAHO PUBLIC UTILITIES COMMISSION
APRIL 6, 2005
Please state your name and address for the
record.
My name is Terri Carlock.My business
address is 472 West Washington Street, Boise, Idaho.
By whom are you employed and in what
capaci ty?
I am employed by the Idaho Public Utilities
Commission as the Accounting Section Supervisor.
Please outline your educational background
and experience.
graduated from Boise State University in
May 1980, with a B.A. Degree in Accounting and in
Finance.I have attended various regulatory, accounting,
rate of return, economics, finance and ratings programs.
I chaired the National Association of Regulatory
Utilities Commissioners (NARUC) Staff Subcommittee
Economics and Finance for over 3 years.Under thi s
subcommittee, I also chaired the Ad Hoc Committee on
Di versif ication.I am currently a member of the NARUC
Staff Subcommittee on Accounting and Finance.I ha ve
made presentations before the Institute of Public
Utili ties at Michigan State Uni versi ty, NARUC Accounting
and Audit Seminars and for many other conferences. Since
joining the Commission Staff in May 1980, I have
participated in audits, performed financial analysis on
CASE NO. UWI -W- 04-
04/06/05
CARLOCK , T (Di) 1
STAFF
various companies and have presented testimony before
this Commission on numerous occasions.
Please describe the scope of your
responsibilities in the preparation of this case.
My responsibilities were numerous but
generally fall in three basic categories.The first
category includes an analysis of all theories, policies
and ratemaking analysis.This responsibility ranges from
coordinating Staff witness testimonies to assure the
theories and policies used to establish rate base and the
revenue requirement are implemented appropriately and are
consistent with general ratemaking and accounting
theories.I support the position presented by Staff
wi tness Lobb to assure that no accounting requirements
are violated with this policy.
The second category of responsibility
encompasses the supervision of all accountants working on
thi s ease.I discussed numerous adj ustments wi th the
Staff and assisted in coordinating the positions and
testimonies.
The third category of responsibility relates
to the cost of capi tal.My testimony supports the Staff
recommendations for the 10% return on equity and the
development of the recommended 8.1% overall rate of
return.
CASE NO. UWI -W- 04-04/06/05
CARLOCK, T (Di) 2
STAFF
Please elaborate on the Staff's policy to
establish rate base levels based on the average of the
monthly averages.
Staff witness Lobb discusses this policy in
his testimony.I support this policy position and the
rationale he has presented and have assisted in
coordinating the numerous adjustments to assure
consistent treatment.As discussed by other wi tnesses,
the Columbia Water Treatment Plant is included in rate
base as if in place for the full year and the associated
cost s and revenues are annual i zed.Other construction
proj ects are reflected in rate base using the average of
monthly averages rate base calculation.This is
consistent with other cases recently evaluated by Staff
and was determined by the Commission where only maj or
proj ects are included in rate base at a level greater
than the average of the monthly averages figure.
Inclusion by Staff witness Harms of the December 31, 2004
plant balances for proforma plant adjustments
reasonable for many reasons.These reasons include the
availability of financial statements, consistency between
the report ing period used by Uni ted Water Idaho and
ratemaking adjustments, the ability to reconcile the
various adjustments, and the desire to reduce regulatory
lag where possible.
CASE NO. UWI -W- 04-04/06/05
CARLOCK, T (Di) 3
STAFF
Please move to the cost of capi tal analysis
and recommendations made by Staff in this case.Please
summarize the cost of capital recommendations.
I am recommending a return on common equity
in the range of 9.25% - 10.25% with a point estimate of
10.0%.The recommended overall weighted cost of capital
is in the range of 7.75% - 8.21% with a point estimate of
1% to be applied to the rate base for the test year.
Are you sponsoring any exhibits to accompany
your testimony?
Yes, I am sponsoring Staff Exhibi t No. 120.
Have you reviewed the testimony and exhibits
of United Water Idaho (UWI , Company) witnesses,
particularly witness Ahern?
Much of the theoretical approach usedYes.
by UWI witness Ahern in her testimony and exhibits
generally the same as I have used.My judgment in some
areas of application results in different outcomes and
recommendations.
Please explain how Staff witness Hall'
testimony links with your testimony.
Staff witness Hall prepared, under my
direction , Exhibit Nos. 117 , 118 and 119 along with
support ing test imony .I asked her to cover the legal
standards and basic explanation on how returns are
CASE NO. UWI -W- 04-04/06/05
CARLOCK, T (Di) 4
STAFF
derived.She also makes the Staff's recommendations on
cost of debt , cost of minority interest (preferred stock)
and the capital structure used to calculate the revenue
requirement for UWI in this case.
What approach have you used to determine the
cost of equity for United Water Idaho specifically?
I have primarily evaluated two methods:the
Discounted Cash Flow (DCF) method and the Comparable
Earnings method.
Please explain the Comparable Earnings
method and how the cost of equi ty is determined using
this approach.
The Comparable Earnings method for
determining the cost of equi ty is based upon the premlse
that a given investment should earn its opportunity
costs.In competi ti ve markets, if the return earned by a
firm is not equal to the return being earned on other
investments of similar risk , the flow of funds will be
toward those investments earnlng the higher returns.
Therefore, for a utility to be competitive in the
financial markets , it should be allowed to earn a return
on equity equal to the average return earned by other
firms of similar risk.The Comparable Earnings approach
is supported by the Bluefield Water Works and Hope
Natural Gas decisions as a basis for determining those
CASE NO. UWI -W- 04-
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CARLOCK, T (Di) 5
STAFF
average returns.
Industrial returns tend to fluctuate with
business cycles , increasing as the economy improves and
decreasing as the economy declines.Utility returns are
not as sensitive to fluctuations in the business cycle
because the demand for utility services generally tends
to be more stable and predictable.
Please evaluate interest rate trends.
The prime interest rate ranges by year are
shown on Staff Exhibi t No. 120, Schedule Interest
rates are increasing but continue to be below the level
seen during the last two Uni ted Water Idaho rate cases,
UWI-OO-l and UWI-W~97-
Please evaluate the recent prlce index
trends.
The trends for prlce indexes are shown on
Staff Exhibi t No. 120, Schedule Both the consumer
prlce index (CPI) and the producer price index (PPI) were
higher in 2004.The percent change in the cpr averaged
5% for 2002 -2004.The average remains less than many
historical periods.
Please provide the current index levels for
the Dow Jones Industrial Average and the Dow Jones
Utili ty Average.
The Dow Jones Industrial Average (DJIA)
CASE NO. UWI-04-04/06/05
CARLOCK, T (Di) 6
STAFF
closed at 10,458 on April 5, 2005.The DJIA high of
10,940 in February 2005 is the highest close since 2001.
The Dow Jones Utility Average closed at 363 on April
2005.
Please explain the risk differentials
between industrials and utilities.
Risk is a degree of uncertainty relative to
a company.The lower risk level associated with
utilities is attributable to many factors even though the
difference is not as great as it used to be.Utili ties
continue to have limited competition for distribution of
utility serVlces within the certificated area.With
limited competition for regulated services, there is less
chance of losses related to pricing practices, marketing
strategy and advertising policies.The competitive risks
for water utilities , including United Water Idaho are
less than for other utilities operating in Idaho. The
demand for utility services is relatively stable and
certain with customer growth increasing at about 3% for
the last two years.
The investment risk following this case for
UWI will be less since Staff proposes to include the
Columbia Water Treatment Plant as if it were in service
for the full year.This allows UWI the opportunity to
fully recover the used and useful costs invested in this
CASE NO. UWI -W- 04-04/06/05
CARLOCK , T (Di) 7
STAFF
plant.The investment risk for UWI will still be lower
than for other utilities even though the Staff recommends
the average of monthly averages rate base instead of the
forecasted year-end rate base proposed by the Company.
Under regulation, utilities are generally
allowed to recover through rates, reasonable, prudent and
justifiable cost expenditures related to regulated
servlces.Unregulated firms have no such assurance.
Utilities in general are sheltered by regulation for
reasonable cost recovery risks, making the average
utility less risky than the average unregulated
industrial firm.
Considering all of these comparisons, I
believe a reasonable return on equity attributed to
United Water Idaho is 9.5% - 10.5% under the Comparable
Earnings method.Uni ted Waterworks, Inc. and Uni ted
Water Idaho continue to be able to obtain financing at a
reasonable cost.
You indicated that the Discounted Cash Flow
method is utilized in your analysis.Please explain this
method.
The Discounted Cash Flow (DCF) method is
based upon the theory that (1) stocks are bought for the
income they provide (i. e ., both dividends and/ or galns
from the sale of the stock), and (2) the market price of
CASE NO. UWI-04-
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CARLOCK, T (Di) 8
STAFF
stocks equals the discounted value of all future incomes.
The discount rate, or cost of equi ty, equates the present
value of the stream of income to the current market price
of the stock.The formula to accomplish this goal is:
--------------------------
(l+ks ) 1 ( 1 + ks) 2 (1 +ks ) N (l+ks ) N
Po =Current Price
D =Di vidend
ks =Capitalization Rate, Discount Rate, or Required
Rate of Return
N =Latest Year Considered
The pattern of the future income stream
the key factor that must be estimated in this approach.
Some simplifying assumptions for ratemaking purposes can
be made without sacrificing the validity of the results.
Two such assumptions are:(1) dividends per share grow
at a constant rate in perpetuity and (2) prices track
earnlngs These assumptions lead to the simplified DCF
formula , where the required return is the dividend yield
plus the growth rate (g)
ks =
-:- - - + g
CASE NO. UWI -W- 04-
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CARLOCK, T (Di) 9
STAFF
Staff witness Hall shows a basic DCF
analysis using the Value Line water utilities industry.
I have evaluated additional DCF analyses for other
groups, including those presented by UWI witness Ahern,
and expanded on the basic analysis to develop the Staff
recommended return on equity range.
Have you factored flotation costs in with
your cost of capital analysis?
Yes, I have considered direct flotation
costs in my analysis by increasing the dividend yield
component of the DCF analysis.Since only direct costs
should be considered, I have used a flotation cost factor
of 2% that is consistent with that previously used for
Uni ted Water.Flotation costs should be company specific
so Staff witness Hall's Exhibit No. 119 does not reflect
the increase for flotation costs.I have adjusted the
DCF formula to include the direct flotation costs as
"df"
ks =
(- - -
(1 + df) J +
What is your estimate of the current cost of
capital for UWI using the Discounted Cash Flow method?
The current cost of equity capital for UWI
CASE NO. UWI-04-
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CARLOCK, T (Di) 10
STAFF
uslng the Discounted Cash Flow method is between
8% - 10.5% during various time intervals.Due to ongolng
capi tal requirements, including ref inancing requirements,
I believe a dividend yield of 3.4% to 3.5% with a growth
rate of 5% to 6% is the most representative for UWI.
How is the growth rate (g) determined?
The growth rate is the factor that requires
the most extensive analysis in the DCF method.It is
important that the growth rate used in the model be
consistent with the dividend yield so that investor
expectations are accurately reflected and the growth rate
is not too large or too small.
I have used an expected growth rate of
5% to 6%.This expected growth rate was derived from an
analysis of various historical and proj ected growth
indicators, including growth in earnings per share,
growth in cash dividends per share, growth in book value
per share, growth in cash flow and the sustainable growth
for water utili ty industry groups.
You indicated the cost of common equity
range for UWI is 9.5% - 10.5% under the Comparable
Earnings method and 8% - 10.5% under the Discounted Cash
Flow method.What is the cost of common equi ty capi tal
you are recommending?
The fair and reasonable cost of common
CASE NO. UWI -W- 04-
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CARLOCK , T (Di) 11
STAFF
equity capital I am recommending for United Water Idaho
is in the range of 9.25% - 10.25%.Al though any point
wi thin this range is reasonable, the return on equi
granted would not normally be at either extreme of the
fair and reasonable range.I utilized a point estimate
of 10% in calculating the overall rate of return for the
revenue requirement.
What is the basis for your ,point estimate
being 10% when your range is 9.25% - 10. 25%?
The 10% return on equity point estimate
utilized is based on a review of the market data and
comparables, water utilities industry and UWI capital
structures and ratios , and average risk characteristics.
What are the costs, the capital structure
and overall cost of capi tal recommended?
Staff witness Hall's Exhibit No. 117 shows
the capital structure and cost rates recommended in this
case.I support each of these components, as they are
consistent with my independent analysis.
The overall weighted cost of capi tal
recommended in this case is in the range of 7.75% -
21%.For use in calculating the revenue requirement, a
point estimate consisting of a return on equity of 10%
and a resul ting overall rate of return of 8.1% was
utilized as shown on Staff Exhibit No. 117.
CASE NO. UWI-04-
04/06/05
CARLOCK , T (Di) 12
STAFF
Does this conclude your direct testimony in
this proceeding?
Yes, it does.
CASE NO. UWI -W- 04-
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CARLOCK, T (Di) 13
STAFF