Richard L. and Kelly D. Robson v. Commissioner

2000 T.C. Memo. 201
CourtUnited States Tax Court
DecidedJune 29, 2000
Docket15716-97
StatusUnpublished

This text of 2000 T.C. Memo. 201 (Richard L. and Kelly D. Robson v. Commissioner) is published on Counsel Stack Legal Research, covering United States Tax Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Richard L. and Kelly D. Robson v. Commissioner, 2000 T.C. Memo. 201 (tax 2000).

Opinion

T.C. Memo. 2000-201

UNITED STATES TAX COURT

RICHARD L. AND KELLY D. ROBSON, Petitioners v. COMMISSIONER OF INTERNAL REVENUE, Respondent

Docket No. 15716-97. Filed June 29, 2000.

William D. Sutter, Jr., for petitioners.

Henry N. Carriger, for respondent.

MEMORANDUM FINDINGS OF FACT AND OPINION

MARVEL, Judge: Respondent determined a deficiency of

$14,782 in petitioners’ Federal income tax for the taxable year

1993. The sole issue for decision1 is whether petitioners

1 The only other issue raised by the notice of deficiency is computational. - 2 -

realized a capital gain during 1993 as a result of a liquidating

distribution under section 331(a)(1).2

FINDINGS OF FACT

Some of the facts have been stipulated and are so found.

The stipulation of facts is incorporated herein by this

reference. Petitioners resided in York, Nebraska, when they

filed their petition in this case. References to petitioner are

to Richard L. Robson.

Petitioner has worked in the insurance industry since his

graduation from college in 1963 with a degree in education. On

or about March 4, 1980, petitioner and James Klute (Klute)

decided to purchase all of the stock of Mid-Nebraska Insurors,

Inc. (Mid-Nebraska), a local insurance agency. To effect that

purchase, Mid-Nebraska borrowed $33,175 from York State Bank and

Trust Co. (York). Mid-Nebraska then lent the proceeds to

petitioner and Klute, and they used them to purchase the stock of

Mid-Nebraska. To evidence Mid-Nebraska’s loan to them,

petitioner and Klute signed a certificate of indebtedness (note)

in which they jointly and severally promised to pay Mid-Nebraska

2 Unless otherwise indicated, all section references are to the Internal Revenue Code in effect for the year in issue, and all Rule references are to the Tax Court Rules of Practice and Procedure. For convenience, all monetary amounts are rounded to the nearest dollar. - 3 -

$33,175 with interest at 15 percent per year on the unpaid

balance. Immediately after the purchase, petitioner and Klute

each owned 50 percent of the stock of Mid-Nebraska.

Mid-Nebraska struggled financially. It borrowed additional

funds from York, from Klute’s spouse (Mrs. Klute), and from his

company, Klute Land & Cattle Co., Inc. (Klute Land & Cattle).

Klute eventually decided to terminate his relationship with Mid-

Nebraska. Consequently, on or about February 17, 1983, Mid-

Nebraska redeemed all of Klute’s stock, he resigned all of his

positions with that corporation, and it released him from any

further liability on the note and any debts or notes Mid-Nebraska

owed York. Mid-Nebraska also agreed to pay $22,000 to Mrs. Klute

and $23,000 to Klute Land & Cattle in payment of the money it

owed them. Mid-Nebraska paid the $22,000 to Mrs. Klute. Of the

$23,000 owed to Klute Land & Cattle, Mid-Nebraska paid Klute

$8,000 on or about February 17, 1983, and gave him a note for the

balance due, payable in three annual installments of $5,000 each

commencing March 1, 1984. Klute ultimately received only one

$5,000 payment.

After the redemption of Klute’s stock, petitioner was Mid-

Nebraska’s sole shareholder, and he alone was responsible for

repayment of the $33,175 loan from Mid-Nebraska. Neither Mid-

Nebraska’s payments to Klute, Mrs. Klute, and Klute Land & Cattle

nor its failure to pay the sums owed Klute affected petitioner’s - 4 -

basis in Mid-Nebraska. He was not liable for, nor was he

required to make, any of those payments.

Mid-Nebraska continued to struggle financially. Petitioner

borrowed money from his spouse and against his life insurance and

his 401(k) plan to put into Mid-Nebraska. It is not clear,

however, how much additional money petitioner ultimately put into

the business, or whether Mid-Nebraska’s bookkeepers and

accountants treated the money as capital contributions or loans

to the corporation on its books and records, or whether Mid-

Nebraska repaid to petitioner any of that money before September

8, 1992.

During 1988 or 1989, Dean Sack (Sack), York’s president,

chairman of the board, and principal owner, advised petitioners

to purchase the office space in the condominium building in which

Mid-Nebraska had located its offices (office condominium). To

effect the purchase of the office condominium and to satisfy

certain bank lending policies, York lent Mid-Nebraska $16,000.

Mid-Nebraska then lent the money to petitioners, and they used it

to make a downpayment toward the purchase of the office

condominium. Petitioners borrowed the balance of the $89,000

purchase price of the office condominium from York, and they

agreed to make monthly payments toward repayment of that loan.

Petitioners purchased the office condominium in their own names,

and they considered it to be a personal asset. From the time - 5 -

Sack approached petitioners about the purchase of the office

condominium through at least some time after the audit of their

1993 return, petitioner did not understand the nature of or

rationale for the financial arrangements made regarding that

purchase.

Mid-Nebraska also periodically borrowed money from York for

operating expenses. In August 1992, petitioner asked York to

cover a $19,000 overdraft to USF&G Insurance Co. York refused.

Instead, Sack informed petitioner that York would take over Mid-

Nebraska’s business, but York would allow petitioner to operate

the insurance business as an employee of the bank. During the

preliminary discussion of the terms of York’s acquisition of Mid-

Nebraska’s business, Roger Sack, Sack’s son, told petitioner that

York would fire petitioner if he attempted to retain an attorney

to advise him about the transaction. Sack determined all of the

terms of the acquisition, and petitioner had no voice in the

matter.

On August 17, 1992, Sack, on behalf of York, and petitioner

signed a letter of intent. The letter of intent stated, among

other things, that “It is hereby acknowledged that Mid-Nebraska

Insurors is deficient in working capital and proposes to sell

their corporation, including all assets, to the York State Bank - 6 -

for $30,000, and the cancellation of their note payable to the

York State Bank for approximately $97,000.” The letter of intent

further stated, among other things:

This is a temporary agreement made subject to further details but with the understanding that Dick Robson has the option to buy the corporation back from the bank at any time for the amount the bank has paid for it plus earnings of 1% per month for the time they have had their money invested in the corporation.

In connection with the acquisition, York wrote a letter

dated August 31, 1992, to the State of Nebraska Department of

Banking and Finance (bank regulators) seeking their approval for

York’s purchase of Mid-Nebraska’s business. In that letter, York

represented that “the Bank will acquire the business and certain

fixed assets from the present corporation for an amount not to

exceed one and one-half times the gross annual commissions.” The

bank regulators expressed approval for the transaction in a

letter to York dated September 3, 1992, in which they cautioned

York that it could not purchase the stock of Mid-Nebraska.

On September 8, 1992, Sack, on behalf of York, and

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