Loading...
2018 Monticello Annual Comprehensive Financial Report CITY OF MONTICELLO, MINNESOTA Comprehensive Annual Financial Report FOR THE FISCAL YEAR ENDED DECEMBER 31, 2018 City of Monticello Wright County, Minnesota COMPREHENSIVE ANNUAL FINANCIAL REPORT YEAR ENDED DECEMBER 31, 2018 Prepared by THE “FINANCE TEAM” Julie Cheney, Finance Assistant RaeLynn Cook, Payroll-Finance Clerk Debbie Davidson, Finance Clerk Pat Kovich, Utility Billing Specialist Sarah Rathlisberger, Finance Manager Wayne W. Oberg, Finance Director CITY OF MONTICELLO Comprehensive Annual Financial Report Table of Contents December 31, 2018 INTRODUCTORY SECTION Page Letter of Transmittal 1 GFOA Certificate of Achievement for Excellence in Financial Reporting 4 Organization Chart 5 Directory of Officials 6 FINANCIAL SECTION Independent Auditor's Report 7 Management's Discussion and Analysis 9 Basic Financial Statements Government-wide Financial Statements Statement of Net Position 19 Statement of Activities 21 Fund Financial Statements Balance Sheet - Governmental Funds 22 Reconciliation of the Governmental Funds Balance Sheet to the Statement of Net Position 23 Statement of Revenues, Expenditures and Changes in Fund Balance - Governmental Funds 24 Reconciliation of the Statement of Revenues, Expenditures and Changes in Fund Balances of Governmental Funds to the Statement of Activities 25 Statement of Net Position - Proprietary Funds 26 Statement of Revenues, Expenses and Changes in Net Position - Proprietary Funds 29 Statement of Cash Flows - Proprietary Funds 30 Notes to the Financial Statements 32 Required Supplementary Information Schedule of Employer's Share and Non-Employer Proportionate Share of Net Pension Liability - Public Employees Retirement Association 58 Schedule of Employer's Pension Contibutions - Public Employees Retirement Association 59 Schedule of Changes in the Fire Relief Association's Net Pension Liability (Asset) and Related Ratios 60 Schedule of Employer's Pension Contributions - Monticello Fire Department Relief Association 61 Schedule of Changes in the City's Total OPEB Liability and Related Ratios 62 Schedule of Revenues, Expenditures and Changes in Fund Balance - Budget and Actual - General Fund 64 Schedule of Revenues, Expenditures and Changes in Fund Balance - Budget and Actual - Community Center Fund 66 Schedule of Revenues, Expenditures and Changes in Fund Balance - Budget and Actual - Economic Development Authority Fund 67 Notes to the Required Supplementry Information 68 Combining and Individual Fund Financial Statements and Schedules Nonmajor Governmental Funds Combining Balance Sheet 69 Combining Statement of Revenues, Expenditures and Changes in Fund Balance 70 (continued) I CITY OF MONTICELLO Comprehensive Annual Financial Report Table of Contents December 31, 2018 (continued) Internal Service Funds Page Combining Statement of Net Position 71 Combining Statement of Revenues, Expenses and Changes in Net Position 72 Combining Statement of Cash Flows 73 Other Supplementry Schedules Schedule of Revenues (Sources) and Expenditures (Uses) - General Fund 75 Schedule of Revenues, Expenditures and Changes in Fund Balance - Budget and Actual - Minnesota Investment Fund 79 Schedule of Revenues, Expenditures and Changes in Fund Balance - Budget and Actual - Cemetery Fund 80 Schedule of Revenues, Expenditures and Changes in Fund Balance - Budget and Actual - CDBG-Revitalization Fund 81 Schedule of Assets, Liabilities, Deferred Inflows of Resources and Fund Balances - Economic Development Authority 82 Schedule of Revenues, Expenditures and Other Financing Sources (Uses) - Economic Development Authority 84 Schedule of Assets, Liabilities, Deferred Inflows of Resources and Fund Balances - Debt Service Activities 86 Schedule of Revenues, Expenditures and Other Financing Sources (Uses) - Debt Service Activities 87 STATISTICAL SECTION Financial trends Net Position by Component - Last Ten Fiscal Years 89 Changes in Net Position - Last Ten Fiscal years 90 General Governmental Tax Revenues by Source - Last Ten Fiscal Years 92 Fund Balances of Governmental Funds - Last Ten Fiscal Years 93 Changes in Fund Balances of Governmental Funds - Last Ten Fiscal Years 94 Governmental Funds Tax Revenues by Source - Last Ten Fiscal Years 95 Revenue capacity Tax Capacity Value and Estimated Market Value of Taxable Property - Last Ten Fiscal Years 96 Property Tax Rates - All Direct and Overlapping Governments - Last Ten Fiscal Years 97 Property Tax Levies and Collections - Last Ten Fiscal Years 98 Principal Property Taxpayers - Current Year and Nine Years Ago 99 New Construction and Bank Deposits - Last Ten Fiscal Years 100 Water Sold by Customer Type (gallons) - Last Ten Fiscal Years 101 Water and Sewage Utility Rates - Last Ten Fiscal Years 102 Debt capacity Ratios of Outstanding Debt by Type - Last Ten Fiscal Years 103 Ratios of Net General Obligation Bonded Debt Outstanding - Last Ten Fiscal Years 104 Legal Debt Margin Information - Last Ten Fiscal Years 105 Computation of Direct and Overlapping Debt - As of December 31, 2018 106 Schedule of General Obligation Revenue Bond Coverage - Last Ten Fiscal Years 107 Economic and demographic information Demographic and Economic Statistics - Last Ten Fiscal Years 108 Principal Employers - Current Year and Nine Years Ago 109 Operating information City Government Employees by Function/Program - Last Ten Fiscal Years 110 Operating Indicators by Function - Last Ten Fiscal Years 111 Capital Assets Statistics by Function - Last Ten Fiscal Years 113 Schedule of Cash Flows Adjusted for Additional City Funding of Fiber Optics Fund -Last Four Fiscal Years 114 II INTRODUCTORY SECTION Letter of Transmittal CITY OF MONTICELLO Finance Department May 22, 2019 To the Honorable Mayor, Members of the City Council, and the Citizens of the City of Monticello: We are pleased to present the Comprehensive Annual Financial Report (CAFR) of the City of Monticello, Minnesota (the city) for the fiscal year ended December 31, 2018. Responsibility for both the accuracy of the data and the completeness and fairness of the presentation, including all disclosures, rests with the city. To the best of our knowledge and belief, the enclosed data is accurate, in all material respects, and is reported in a manner designed to present fairly the financial position and results of operations of the various funds of the city. All disclosures necessary to enable the reader to gain an understanding of the city’s financial activities have been included. Management assumes full responsibility for the completeness and reliability of the information contained in this report, based upon a comprehensive framework of internal control that it has established for this purpose. Because the cost of internal control should not exceed anticipated benefits, the objective is to provide reasonable, rather than absolute, assurance that the financial statements are free of any material misstatements. The city’s financial statements have been audited by Malloy, Montague, Karnowski, Radosevich & Co., P.A. (MMKR), a firm of licensed certified public accountants. The goal of the independent audit is to provide reasonable assurance that the financial statements of the city for the fiscal year ended December 31, 2018 are free of material misstatements. The independent audit involved examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, and evaluating the overall financial statement presentation. The independent auditor concluded, based upon the audit, that there was a reasonable basis for rendering an unmodified opinion that the city’s financial statements for the fiscal year ended December 31, 2018, are fairly presented in conformity with accounting principles generally accepted in the United States of America. The independent auditor’s report is presented as the first component of the financial section of this report. The preparation of this CAFR is a requirement of state law. Also, the CAFR is required by the bond rating agencies before they will rate the city’s bonds. The report can be used by the city council and the citizens of the city to gain a better understanding of the financial condition of the city. Accounting principles generally accepted in the United States of America require that management provide a narrative introduction, overview, and analysis to accompany the basic financial statements in the form of Management’s Discussion and Analysis (MD&A). This letter of transmittal is designed to complement the MD&A and should be read in conjunction with it. The city’s MD&A can be found immediately following the report of the auditors. PROFILE OF THE CITY The city is situated in a prime location on Interstate 94 between the cities of Minneapolis/St. Paul and St. Cloud. The city has experienced remarkable growth within the last 15 years in the residential, commercial, office, and retail sectors. The city is a freestanding urban fringe community encompassing approximately 5,000 acres and a population of 13,553. The city is home to one of Minnesota’s two nuclear power plants, both owned by Xcel Energy, Inc. (NYSE: XEL). With a small carbon footprint, the Xcel plant is also the city’s largest employer and property taxpayer. Additionally, Monticello’s business friendly environment provides a home for Cargill Kitchen Solutions. The privately-owned, agri-giant is the city’s largest customer of water and sewage utility services. The city was founded by second-generation Americans who migrated west in the mid-1800s. Early settlers found the gently sloping banks and shallow levels of the Mississippi River made a logical place for a river crossing. Incorporated in 1856, the city grew quickly during the early settlement years and then leveled to a population of about 1,300. It was this original settlement that became the core city and survives today as downtown Monticello. The city is categorized as a 501(a) entity by IRS Code and operates under the “Optional Plan A” form of government as defined in Minnesota Statutes. Under this plan, the government of the city is directed by a city council composed of an elected mayor and four elected city council members. The city council exercises legislative authority and determines all matters of policy. The city council appoints personnel responsible for the proper administration of all 1 Letter of Transmittal CITY OF MONTICELLO affairs relating to the city. Council members serve four-year terms, with two members elected every two years. The mayor is elected for a two-year term. The mayor and members of the city council are elected at large. The city provides a full range of services: the construction and maintenance of streets and other infrastructure; snow removal; park and cemetery maintenance; recreational and cultural activities; water, sewer, surface water, residential garbage, and recycling systems; community development, building inspection, planning, police, fire, liquor store, and deputy registrar operations; a city-run fiber optic system and community center; and general government operations, including administration, finance/accounting, information systems, community information, and general government buildings. The city council is required to adopt a final budget by late December for the subsequent year. The budget is prepared by fund, function (e.g. public works), and department (e.g. streets and alleys). Transfers of appropriations between funds require the approval of the city council. The legal level of budgetary control is the department level in the General Fund and fund level in all other funds. Budget amendments require city council approval. FINANCIAL PLANNING AND THE LOCAL ECONOMY The city is recovering slowly from recent economic woes that have affected other communities in Wright County and throughout the state of Minnesota. The nuclear power plant provides the city with a relatively stable tax and employment base. During the economic downturn, new commercial development came to a virtual standstill and growth remains anemic today. However, the city lost very few of its local businesses, although some reduced their workforce and scaled back operations. The residential growth has slowed from a decade ago, but the city has not been hit with a large number of foreclosed homes. In the past, the state of Minnesota has reduced local government aid (LGA) and the market value homestead credit (MVHC) to cities and counties as a way to balance its own budget. Since the city does not receive LGA, the city’s finances are relatively insulated from the state’s budget impacts. In 2012, the state eliminated the MVHC and replaced it with a Market Value Exclusion program, which the city incorporated into its 2018 budget. The new program shifted more of the tax burden to nonresidential property taxpayers. The economy and housing market has also affected city revenues for building permits. The city issued 879 building permits in 2009 with a total valuation of $45,917,000. In 2018, the city issued 855 permits with a total valuation of $33,125,788. New residential infrastructure construction will need to occur to support the same level of residential building permits in the future. Fortunately, the city does not rely on the state as a major funding source (LGA). In addition, the city has budgeted conservatively over the years, resulting in very modest growth in the property tax levy. To assist external stakeholders, the city is exploring various ways to better represent its financial position, such as the elimination of all interfund loans/receivables in 2012. Other initiatives include consolidating funds with similar purposes, distributing unallocated expenses and aggregating similar costs for distribution as single amounts to each budget unit. Further, staff continues to refine the chart of accounts with the goal of providing better information to decision makers. MAJOR INITIATIVES The city has three major ongoing initiatives in 2018. The first ongoing initiative is the revitalization of its historic downtown. The downtown is the oldest part of the city, and many buildings are in need of maintenance or demolition. In addition, the amount of traffic on State Highway 25 and County Road 75 makes both vehicle and pedestrian traffic difficult to move from one area of the downtown to another. Because of these issues, a number of the store fronts are unoccupied. To address these issues, the city completed an Embracing Downtown Monticello initiative with the goal to identify needed improvements and enhancements, which will once again make the downtown area a vibrant shopping and resident destination. This initiative was 2 Letter of Transmittal CITY OF MONTICELLO supplemented with a 2017 Downtown Small Area Plan. A number of property acquisitions took place in 2018 to support this initiative. The challenge moving forward will be the implementation of the plan and creating development opportunities within the downtown area for new and existing businesses. The second ongoing initiative is the joint operation with Wright County of Bertram Chain of Lakes properties. The city and Wright County completed the final land purchases in 2016. This 1,258-acre site includes four pristine lakes and woodlands, which, when developed, will become a regional park. Wright County and the city obtained matching grants from the state to purchase much of the acreage in the park. Planning and design took place in 2018 in order to begin phase 1 of park improvements in 2019. Finally, a pending Trunk Highway Transportation study will provide context for the last major initiative of improving regional transportation corridors. The city is part of a joint powers agreement, which also includes the cities of Becker and Big Lake, the counties of Wright and Sherburne, Becker and Big Lake Townships, and MnDot (Minnesota Department of Transportation) District 3. INTERNAL CONTROL The management of the city is responsible for establishing and maintaining a system of internal controls designed to ensure that the assets of the city are protected from loss, theft, or misuse and that adequate accounting data is compiled to allow for the preparation of financial statements in conformity with accounting principles generally accepted in the United States of America. The city’s internal controls are designed to provide reasonable, but not absolute assurance that these objectives are met. The concept of reasonable assurance recognizes that: 1) the cost of a control should not exceed the benefits likely to be derived, and 2) the valuation of cost and benefit requires estimates and judgments by management. The city’s internal controls are subject to periodic evaluation by management and the finance department staff of the city. BUDGETING CONTROLS In addition, the city maintains budgetary controls. The objective of these budgetary controls is to assure compliance with legal provisions embodied in the annual appropriated budget approved by the city council. Activities of the General Fund are included in the annual appropriated budget. The level of budgetary control (that is, the level at which expenditures cannot legally exceed the appropriated amount) is established by department within the General Fund. The city council also adopts a five-year Capital Improvement Program as a financial planning document for major purchases. As demonstrated by the statements and schedules included in the financial section of this report, the city continues to meet its responsibility for sound financial management. ACKNOWLEDGEMENTS The Government Finance Officers Association of the United States and Canada (GFOA) awarded a Certificate of Achievement for Excellence in Financial Reporting to the city for its CAFR for the fiscal year ended December 31, 2017. This was the ninth year that the city has achieved this prestigious award. In order to be awarded a Certificate of Achievement, the city had to publish an easily readable and efficiently organized CAFR. This report must satisfy both accounting principles generally accepted in the United States of America and applicable legal requirements. A Certificate of Achievement is valid for a period of one year only. We believe that our current CAFR continues to meet the Certificate of Achievement Program’s requirements, and we are submitting it to the GFOA to determine its eligibility for the award. The 2018 CAFR meets the highest professional standards and was prepared in a timely and cost-effective manner. The preparation of this report would not have been possible without the efficient and dedicated service of the entire staff of the finance department and through the helpful guidance and assistance from our auditing firm, MMKR. We wish to express our appreciation to all members of the department who assisted and contributed to the preparation of this report. Credit also must be given to the mayor and city council for their unfailing support for maintaining the highest standards of professionalism in the management of the city’s finances. Respectfully submitted, Wayne W. Oberg, MBA, CPA Sarah K. Rathlisberger Finance Director Finance Manager 3 Certificate of Achievement CITY OF MONTICELLO The Government Finance Officers Association of the United States and Canada (GFOA) awarded a Certificate for Excellence in Financial Reporting to the City of Monticello, Minnesota for its Comprehensive Annual Financial Report for the fiscal year ended December 31, 2017. The Certificate of Achievement is a prestigious national award recognizing conformance with the highest standards for preparation of state and local government reports. In order to be awarded a Certificate of Achievement, a governmental unit must publish an easily readable and efficiently organized Comprehensive Annual Financial Report, whose contents conform to program standards. Such reports must satisfy both generally accepted accounting principles and applicable legal requirements. A Certificate of Achievement is valid for a period of one year only. We believe our current report continues to conform to Certificate of Achievement program requirements, and we are submitting it to the GFOA. Government Finance Officers Association Certificate of Achievement for Excellence in Financial Reporting Presented to City of Monticello Minnesota For its Comprehensive Annual Financial Report For the Fiscal Year Ended December 31, 2017 Executive Director 4 Organization Chart CITY OF MONTICELLO Citizens of Monticello City Commissions Council & Boards City Administrator Human Finance Community City Public Community City Fire Contracted Resource Director Development Engineer Works Center Clerk Chief Services Manager Director Director Director Finance Economic Construction Streets Community Elections Fire City Department Development Inspectors Department Center Department Attorney Audit Building Consulting Parks Sheriff Inspections Engineer Department Department Deputy Receptionist Water & Animal Registrar Sewage Control Department Liquor Consulting Refuse County Operations Planner Collection Assessor FiberNet Operation 5 Directory of Officials CITY OF MONTICELLO MAYOR & CITY COUNCIL Position Name Term Expires Mayor ..................................................................................... Brian Stumpf 12/31/2020 Council .................................................................................. Jim Davidson 12/31/2020 Council ............................................................................................ Bill Fair 12/31/2020 Council .............................................................................. Charlotte Gabler 12/31/2022 Council .................................................................................... Lloyd Hilgart 12/31/2022 CITY STAFF City Administrator ....................................................................... Jeff O’Neill Public Works Director/City Engineer ...................................... Matt Leonard Finance Director .................................................................... Wayne Oberg Community Development Director .................................Angela Schumann Community Center Director .................................................... Ann Mosack Economic Development Manager ............................................. Jim Thares City Clerk ........................................................................ Jennifer Schreiber Human Resource Manager ..................................................... Tracy Ergen Chief Building Official .................................................. Ron Hackenmueller Fire Chief ................................................................................ Mike Mossey Deputy Registrar Manager ............................................... Carolyn Granger Liquor Store Manager ...................................................... Randall Johnsen Finance Manager ........................................................ Sarah Rathlisberger Street Superintendent ............................................................. Tom Moores Parks Superintendent ............................................................. Tom Pawelk Water & Sewage Superintendent................................................ Mat Stang Communications Coordinator ............................................ Rachel Leonard PROFESSIONAL SERVICES City Attorney .......................................................... Campbell Knutson, P.A. City Engineer ................................................................. WSB & Associates Law Enforcement ......................................... Wright County Sheriff’s Office Financial Advisor .................................................. Northland Securities, Inc Fibernet Management Services ......................................................... Arvig 6 FINANCIAL SECTION Principals Thomas M. Montague, CPA Thomas A. Karnowski, CPA Paul A. Radosevich, CPA William J. Lauer, CPA James H. Eichten, CPA Aaron J. Nielsen, CPA Victoria L. Holinka, CPA Jaclyn M. Huegel, CPA INDEPENDENT AUDITOR’S REPORT To the City Council and Management City of Monticello, Minnesota REPORT ON THE FINANCIAL STATEMENTS We have audited the accompanying financial statements of the governmental activities, the business-type activities, each major fund, and the aggregate remaining fund information of the City of Monticello, Minnesota (the City) as of and for the year ended December 31, 2018, and the related notes to the financial statements, which collectively comprise the City’s basic financial statements as listed in the table of contents. MANAGEMENT’S RESPONSIBILITY FOR THE FINANCIAL STATEMENTS Management is responsible for the preparation and fair presentation of these financial statements in accordance with accounting principles generally accepted in the United States of America; this includes the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error. AUDITOR’S RESPONSIBILITY Our responsibility is to express opinions on these financial statements based on our audit. We conducted our audit in accordance with auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the City’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the City’s internal control. Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinions. OPINIONS In our opinion, the financial statements referred to above present fairly, in all material respects, the respective financial position of the governmental activities, the business-type activities, each major fund, and the aggregate remaining fund information of the City as of December 31, 2018, and the (continued) 7 respective changes in financial position and, where applicable, cash flows thereof, for the year then ended, in accordance with accounting principles generally accepted in the United States of America. EMPHASIS OF MATTER As described in Note 14 of the notes to basic financial statements, the City has implemented Governmental Accounting Standards Board (GASB) Statement No. 75, Accounting and Financial Reporting for Postemployment Benefits Other Than Pensions, during the year ended December 31, 2018. Our opinion is not modified with respect to this matter. OTHER MATTERS Required Supplementary Information Accounting principles generally accepted in the United States of America require that the management’s discussion and analysis and the required supplementary information (RSI), as listed in the table of contents, be presented to supplement the basic financial statements. Such information, although not a part of the basic financial statements, is required by the GASB, who considers it to be an essential part of financial reporting for placing the basic financial statements in an appropriate operational, economic, or historical context. We have applied certain limited procedures to the RSI in accordance with auditing standards generally accepted in the United States of America, which consisted of inquiries of management about the methods of preparing the information and comparing the information for consistency with management’s responses to our inquiries, the basic financial statements, and other knowledge we obtained during our audit of the basic financial statements. We do not express an opinion or provide any assurance on the information because the limited procedures do not provide us with sufficient evidence to express an opinion or provide any assurance. Other Information Our audit was conducted for the purpose of forming opinions on the financial statements that collectively comprise the City’s basic financial statements. The introductory section, combining and individual fund financial statements and schedules, and statistical section, as listed in the table of contents, are presented for purposes of additional analysis and are not required parts of the basic financial statements. The combining and individual fund financial statements and schedules are the responsibility of management and were derived from and relate directly to the underlying accounting and other records used to prepare the basic financial statements. Such information has been subjected to the auditing procedures applied in the audit of the basic financial statements and certain additional procedures, including comparing and reconciling such information directly to the underlying accounting and other records used to prepare the basic financial statements or to the basic financial statements themselves, and other additional procedures in accordance with auditing standards generally accepted in the United States of America. In our opinion, the information is fairly stated, in all material respects, in relation to the basic financial statements as a whole. The introductory and statistical sections have not been subjected to the auditing procedures applied in the audit of the basic financial statements and, accordingly, we do not express an opinion or provide any assurance on them. OTHER REPORTING REQUIRED BY GOVERNMENT AUDITING STANDARDS In accordance with Government Auditing Standards, we have also issued our report dated May 22, 2019 on our consideration of the City’s internal control over financial reporting and on our tests of its compliance with certain provisions of laws, regulations, contracts, grant agreements, and other matters. The purpose of that report is solely to describe the scope of our testing of internal control over financial reporting and compliance and the results of that testing, and not to provide an opinion on the effectiveness of the City’s internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the City’s internal control over financial reporting and compliance. Minneapolis, Minnesota May 22, 2019 8 MANAGEMENT’S DISCUSSION AND ANALYSIS SECTION Management’s Discussion and Analysis CITY OF MONTICELLO Management’s Discussion and Analysis As management of the City of Monticello, Minnesota (the city), we offer readers of the city’s financial statements this narrative overview and analysis of the financial activities of the city for the fiscal year ended December 31, 2018. We encourage readers to consider the information presented here in conjunction with additional information that we have furnished in our letter of transmittal, which can be found on pages 1-3 of this report. Overview of the Basic Financial Statements The discussion and analysis are intended to serve as an introduction to the city’s basic financial statements. The city’s basic financial statements comprise three components: 1) government-wide financial statements, 2) fund financial statements, and 3) notes to the financial statements. This report also contains other supplementary information in addition to the basic financial statements themselves. Government-Wide Financial Statements – The government-wide financial statements are designed to provide readers with a broad overview of the city’s finances, in a manner similar to private sector businesses. The Statement of Net Position presents information on all of the city’s assets and deferred outflows of resources, and liabilities and deferred inflows of resources, with the difference reported as net position. Over time, increases or decreases in net position may serve as a useful indicator of whether the financial position of the city is improving or deteriorating. The Statement of Activities presents information showing how the city’s net position changed during the most recent fiscal year. All changes in net position are reported as soon as the underlying event giving rise to the change occurs, regardless of the timing of related cash flows. Thus, revenues and expenses are reported in this statement for some items that will only result in cash flows in future fiscal periods (delinquent taxes and special assessments). Both of the government-wide financial statements distinguish functions of the city that are principally supported by taxes and intergovernmental revenue (governmental activities) from other functions that are intended to recover all or a significant portion of their costs through user fees and charges (business-type activities). The governmental activities provided by the city include general government, public safety, public works, sanitation, transit, recreation and culture, economic development, and interest and fiscal charges. Business-type activities include water, sewage, liquor, fiber optics, and deputy registrar enterprises. The government-wide financial statements include not only the city itself (known as the primary government), but also the Economic Development Authority (often referred to as the EDA). The EDA is a legally separate entity which functions, in essence, as a department of the city, to provide redevelopment and other economic development assistance through the administration of various programs. Therefore, the EDA has been included as an integral part of the city’s financial statements. The government-wide financial statements can be found on pages 19-21 of this report. Fund Financial Statements – A fund is a grouping of related accounts that is used to maintain control over resources that have been segregated for specific activities or objectives. The city, like other state and local governments, uses fund accounting to ensure and demonstrate compliance with finance-related legal requirements. All of the city’s funds can be divided into two categories: governmental funds and proprietary funds. Governmental Funds – Governmental funds are used to account for essentially the same functions reported as governmental activities in the government-wide financial statements. However, unlike the government-wide financial statements, governmental fund financial statements focus on near- COMPONENTS OF THE ANNUAL FINANICAL REPORT Management’s Discussion and Analysis Basic Financial Statements Required Supplementary Information Government-wide Financial Statements Fund Financial Statements Notes to the Financial Statements Summary Detail 9 Management’s Discussion and Analysis CITY OF MONTICELLO term inflows and outflows of spendable resources, as well as the balances of spendable resources available at the end of the fiscal year. Such information may be useful in evaluating a government’s near-term financing requirements. Because the focus of governmental funds is narrower than that of the government-wide financial statements, it is useful to compare the information presented for governmental funds with similar information presented for governmental activities in the government-wide financial statements. By doing so, readers may better understand the long-term impact of the government’s near-term financing decisions. Both the governmental funds Balance Sheet and Statement of Revenue, Expenditures and Changes in Fund Balances provide a reconciliation to facilitate the comparison between governmental funds and governmental activities. The city maintains several individual governmental funds. Information is presented separately in the governmental funds Balance Sheet and in the governmental funds Statement of Revenue, Expenditures and Changes in Fund Balances for the General Fund, Community Center (special revenue) Fund, EDA (special revenue) Fund, Debt Service Fund, and Capital Projects Fund, all of which are considered to be major funds. Data from the remaining governmental funds are combined into a single, aggregated presentation. Individual fund data for each of these nonmajor governmental funds is provided in the form of combining statements elsewhere in this report. The city adopts an annual budget for its General Fund and special revenue funds. A budgetary comparison schedule has been provided within the required supplementary information for the General Fund and major special revenue funds to demonstrate compliance with the adopted budgets. The governmental fund financial statements can be found on pages 22-25 of this report. Proprietary Funds – The city maintains two different types of proprietary funds. Enterprise funds are used to report the same functions presented as business- type activities in the government-wide financial statements. The city maintains five enterprise funds which are used to account for its water and sewage services, municipal liquor store sales, fiber optics network, and deputy registrar, which provides vehicle and other licensing services. Internal service funds are an accounting device used to accumulate and allocate costs internally among the city’s various functions. The city uses internal service funds to account for benefits accruals, central equipment services, and information technology (IT) services. Because these internal service fund activities predominantly benefit governmental rather than business-type functions, they have been included within governmental activities in the government-wide financial statements. Proprietary funds provide the same type of information as the government-wide financial statements, only in more detail. The proprietary fund financial statements provide separate information for each of the enterprise operations. The internal service funds are combined into a single, aggregated presentation in the proprietary fund financial statements. Individual fund data for the internal service funds is provided in the form of combining statements elsewhere in this report. The proprietary fund financial statements can be found on pages 26-31 of this report. Notes to Basic Financial Statements – The notes to basic financial statements provide additional information that is essential to obtaining a full understanding of the data provided in the government-wide and fund financial statements. The notes to the basic financial statements can be found on pages 32-56 of this report. Other Information – In addition to the basic financial statements and accompanying notes, this report presents required supplementary information on activity related to the defined benefit pension plans and the other post- employment benefits (OPEB) plan as well as budgetary comparison information. Combining statements for nonmajor governmental funds, internal service funds, and other supplementary schedules including activities of the General, nonmajor Special Revenue, Economic Development Authority, and Debt Service funds, can also be found in the combining and individual fund statements and schedules section of this report. Required supplementary information and combining and individual fund statements and schedules can be found starting on page 58. 10 Management’s Discussion and Analysis CITY OF MONTICELLO Financial Highlights The assets and deferred outflows of resources of the city exceeded its liabilities and deferred inflows of resources at year-end by $129,101,332 (net position). Of this amount, $36,684,053 (unrestricted net position) may be used to meet the city’s ongoing obligations to citizens and creditors. As of the close of the current fiscal year, the city’s governmental funds reported combined ending fund balances of $30,170,552, a decrease of $1,716,570, or 5.4 percent. Nonspendable, restricted, and assigned uses of fund balance totaled $23,185,724, leaving an unassigned fund balance of $6,984,828, which is $66,604, or 1.0 percent, higher than the 2017 ending unassigned balance. At the end of the current fiscal year, unassigned fund balance for the General Fund was $6,984,828, or 88 percent, of total General Fund expenditures for 2018. The city targets 75 percent of next year’s expenditure budget as the optimum fund balance level, providing a reserve for cash flow during the first six months of each subsequent year until property tax receipts are released from the county treasurer’s office and distributed to the local levels of government. The state auditor recommends that local governments maintain an unrestricted fund balance of approximately 35–50 percent of operating revenues or no less than five months of operating expenditures for the General Fund. The General Fund’s heavy dependence on property tax revenues validates the 75 percent target. What is more, this reserve threshold provides temporary financing for unforeseen emergencies. (Source: Minnesota Office of the State Auditor: Fund Balance Reporting and Governmental Fund Type Definitions, based on Governmental Accounting Standards Board (GASB) Statement No. 54, 2010– 1003 Revised July 2012). In 2018, government-wide capital assets increased by $4,917,007 due to acquisitions exceeding disposals and depreciation on existing assets. Governmental activities right-of-way acquisitions and construction of the Fallon Avenue Overpass occurred in 2018. The city began the Chelsea Road Utility and Street Improvement project; utility improvements were completed in 2018, but street improvements will be completed in 2019. The city also completed the 2017 Street Reconstruction project, and constructed three park structures. Other acquisitions include a developer donation of infrastructure in the Featherstone Third addition, intersection upgrades at County Rd 39 & Gillard Avenue, fire rescue boat, water fund truck, sewer fund vactor truck, and liquor store advertising sign. Internal service funds acquisitions include a new telephone system, an upgrade in electronic document storage, one new vehicle, three new utility tractors, a street sweeper, a compaction roller, and a milling machine. The city’s total long-term bonded indebtedness increased by $2,314,598, or 8.9 percent, in 2018. Principal payments made on outstanding debt totaled $2,692,149. The city issued $5,000,000 in tax abatement general obligations bonds to finance capital project costs related to the Fallon Avenue overpass and $6,747 in a Minnesota Public Facilities Authority (PFA) loan for wastewater treatment plant improvements in 2018. The 2018A general obligation bonds are accounted for in the Debt Service Fund and will be paid from special assessments and property taxes. The PFA loan is accounted for in the Sewage Fund and utility customer charges will generate the cash needed for repayment of this debt. 11 Management’s Discussion and Analysis CITY OF MONTICELLO GOVERNMENT-WIDE FINANCIAL ANALYSIS NET POSITION 2018 2017 2018 2017 2018 2017 Current and other assets 42,272,476$ 39,906,104$ 15,210,287$ 13,398,066$ 57,482,763$ 53,304,170$ Capital assets 67,858,760 61,964,780 43,269,721 44,246,694 111,128,481 106,211,474 Total assets 110,131,236 101,870,884 58,480,008 57,644,760 168,611,244 159,515,644 Deferred outflows of resources 559,152 665,887 148,305 233,959 707,457 899,846 Long-term liabilities 27,179,638 24,962,313 4,991,329 5,308,862 32,170,967 30,271,175 Other liabilities 1,838,470 2,023,018 896,177 456,039 2,734,647 2,479,057 Total liabilities 29,018,108 26,985,331 5,887,506 5,764,901 34,905,614 32,750,232 Deferred inflows of resources 5,082,664 1,516,742 229,091 263,963 5,311,755 1,780,705 Net position Net investment in capital assets 43,517,983 41,535,637 39,250,211 39,944,797 82,768,194 81,480,434 Restricted 9,649,085 11,599,951 - - 9,649,085 11,599,951 Unrestricted 23,422,548 20,899,110 13,261,505 11,905,058 36,684,053 32,804,168 Total net position 76,589,616$ 74,034,698$ 52,511,716$ 51,849,855$ 129,101,332$ 125,884,553$ Governmental Activities Business-Type Activities Total By the far the largest portion of the city’s net position (64%) reflects investment in capital assets (e.g. land, buildings, structures, systems, machinery, equipment, infrastructure, and intangible assets), net of any related debt used to acquire those assets that is still outstanding. The city uses assets to provide services to citizens; consequently, these assets are not available for future spending. Although the city’s investment in capital assets is reported net of related debt, it should be noted that resources needed to repay this debt must be provided from other sources since capital assets themselves cannot be used to liquidate these liabilities. A small portion of the city’s net position (7%) represents resources that are subject to external restrictions on how they can be used. The remaining unrestricted net position of $36,684,053 may be used to meet the ongoing obligations to citizens and creditors. Of the unrestricted net position, $13,261,505 (36%) is attributable to business-type activities. The unrestricted governmental activities net position increased $2,523,438 (12%), and business-type activities unrestricted net position increased $1,356,447 (11%). The government-wide total unrestricted net position increased $3,879,885 (12%), reflecting revenues exceeding conservative budgeted estimates and expenditures below liberal estimates. The $5,893,980 (10%) increase in governmental activities capital assets is reflective of capital asset purchases and reinvestment, including the Fallon Avenue overpass construction, exceeding depreciation and disposals. Business-type capital assets decreased $976,973 (2%) due to depreciation exceeding investment in improvements. Net investment in capital assets, which is capital assets less related debt, increased because capital asset acquisitions less the amount of debt borrowed to acquire assets exceeded capital asset disposals and depreciation. 12 Management’s Discussion and Analysis CITY OF MONTICELLO CHANGE IN NET POSITION 2018 2017 2018 2017 2018 2017 Revenues Program revenues Charges for services 3,008,797$ 2,962,279$ 7,988,767$ 7,765,276$ 10,997,564$ 10,727,555$ Operating grants and contributions 428,443 429,697 - - 428,443 429,697 Capital grants and contributions 2,044,698 1,996,441 925,195 699,901 2,969,893 2,696,342 General revenues Property taxes 9,972,166 9,560,482 - - 9,972,166 9,560,482 Tax increments 638,278 648,031 - - 638,278 648,031 Franchise taxes 386,622 436,248 - - 386,622 436,248 Unrestricted investment earnings 364,364 379,107 162,003 151,126 526,367 530,233 Gain on sale of assets 15,000 1,725 379,246 - 394,246 1,725 Total revenues 16,858,368 16,414,010 9,455,211 8,616,303 26,313,579 25,030,313 Expenses General government 1,614,613 1,656,666 - - 1,614,613 1,656,666 Public safety 2,377,661 2,208,971 - - 2,377,661 2,208,971 Public works 5,548,199 5,292,743 - - 5,548,199 5,292,743 Sanitation 615,586 614,328 - - 615,586 614,328 Transit 18,333 3,191 - - 18,333 3,191 Recreation and culture 3,460,887 3,521,756 - - 3,460,887 3,521,756 Economic development 1,206,067 488,380 - - 1,206,067 488,380 Interest and fiscal charges 617,344 514,558 - - 617,344 514,558 Water utility - - 1,235,055 1,157,506 1,235,055 1,157,506 Sewage utility - - 2,932,413 2,708,053 2,932,413 2,708,053 Liquor - - 848,221 874,921 848,221 874,921 Fiber optics - - 2,276,015 2,252,287 2,276,015 2,252,287 Deputy registrar - - 421,662 390,658 421,662 390,658 Total expenses 15,458,690 14,300,593 7,713,366 7,383,425 23,172,056 21,684,018 Increase in net position before transfers 1,399,678 2,113,417 1,741,845 1,232,878 3,141,523 3,346,295 Transfers 1,000,000 (550,265) (1,000,000) 550,265 - - Change in net position 2,399,678 1,563,152 741,845 1,783,143 3,141,523 3,346,295 Net position, January 1, as previously reported 74,034,698 72,471,546 51,849,855 50,066,712 125,884,553 122,538,258 Change in accounting standard (Note 14)155,240 - (79,984) - 75,256 - Net position, January 1, as restated 74,189,938 72,471,546 51,769,871 50,066,712 125,959,809 3,346,295 Net position, December 31 76,589,616$ 74,034,698$ 52,511,716$ 51,849,855$ 129,101,332$ 125,884,553$ Governmental Activities Business-Type Activities Total 13 Management’s Discussion and Analysis CITY OF MONTICELLO Investment earnings 2% Charges for services 18% Operating grants & contributions 3% Capital grants & contributions 12% Franchise taxes 2% Tax increment 4% Property taxes 59% Revenues by Source - Governmental Activities $- $1 $2 $3 $4 $5 $6 MillionsProgram Expenses and Revenues - Governmental Activities Program Expenses Program Revenues Governmental Activities. The most significant revenue source for governmental activities is property taxes at 59% of total revenues. Property taxes support the General Fund, Community Center Fund, Economic Development Authority Fund, Capital Project Fund, and Debt Service Fund. Charges for services accounts for 18% of revenues, with about half generated by the Community Center. Capital grants and contributions include special assessments and revenues from other sources restricted to capital asset acquisition. Investment earnings include both interest received and the increase (decrease) in the investment fair values. Tax increments are property taxes collected in tax increment financing districts and are restricted for development purposes. Governmental activities revenues increased $444,358 (3%) in the current year, with the most significant portions of the increase attributable to an increase in 2018 property taxes. Charges for services increased $46,518 (2%) with an increase in garbage rates offset by a decrease in building permits. Property taxes increased by $411,684 (4%) percent. Capital grants and contributions were affected by developer-donated public improvements in the Featherstone Third addition. Public works (engineering, streets, ice and snow removal, shop and garage, street lighting, etc.) expenses are the most significant (36%), followed by recreation and culture (22%), public safety (15%), general government (11%), economic development (8%), sanitation (4%), and others (4%). Included in these amounts is depreciation expense, which is 27% of the total expenses for governmental activities. Governmental activities expenses increased $1,158,097 (8%) in the current year. The most significant changes in program expenses were as follows:  Economic development expenses increased $717,687 (147%) with a jump in redevelopment expenses in 2018 for payments to tenants for relocation costs and other expenses related to property acquisitions.  Public works increased $255,456 (5%) due to an increase in depreciation, which was caused by the first year of depreciation on assets put in service at the end of 2017. The replacement of a public works director after the position was held vacant for a number of years also contributed to the increase.  Public safety increased $168,690 (8%) with inflation and a July increase in contracted police hours along with the hiring of a fire marshal position/emergency management coordinator.  Interest and fiscal charges increased $102,786 (20%) with the first year of payments on the 2017A bonds. 14 Management’s Discussion and Analysis CITY OF MONTICELLO Gain on sale of capital assets 4% Charges for services 84% Capital grants & contributions 10% Investment earnings 2% Revenues by Source - Business-Type Activities $- $0.5 $1.0 $1.5 $2.0 $2.5 $3.0 $3.5 Water Utility Sewage Utility Liquor Fiber Optics Deputy RegistrarMillionsProgram Revenues and Expenses - Business-Type Activities Program Expenses Program Revenues Business-type Activities. Business-type activities increased the city’s net position by $741,845, which is $1,041,298 less than the prior fiscal year increase in business-type net position. The change is mostly attributable to significantly higher transfers out (roughly $1.5 million) to other funds for current and future capital asset purchases. This increase in transfers out was offset by higher capital contribution revenue due to public improvements donated by a developer in the Featherstone Third addition. FINANCIAL ANALYSIS OF THE CITY’S FUNDS Governmental funds. The focus of the city’s governmental funds is to provide information on near-term inflows, outflows, and balances of spendable resources. Such information is useful in assessing the city’s financing requirements. In particular, spendable fund balances may serve as a useful measure of a government’s net resources available for expenditure at the end of the fiscal year. At December 31, 2018, the city’s governmental funds reported total ending fund balances of $30,170,552, a decrease of $1,716,570 (5%) when compared with the prior year. Approximately 19% or $5,867,997 of the total ending fund balances constituted restricted fund balances, which are considered unavailable for appropriation for general operations. The $172,264 nonspendable fund balance accounted for 0.6% of total governmental fund balances and is comprised of prepaid items. At the end of the fiscal year, the General Fund reported a fund balance of $7,109,478, increasing $80,385 (1%) from the prior year. General fund revenues were $196,448 (2%) more than the prior fiscal year and expenditures increased by $481,711 (6%). Transfers out increased by $400,000. General government expenditures increased $33,841 (2%) with most of the increase related to employee costs. Public safety expenditures increased $175,725 (8%) with inflation and increased hours to the Wright County law enforcement contract as well as a new fire marshal/emergency management coordinator position beginning in the last quarter of the year. Public works administration and ice & snow were largely responsible for the $174,700 (9%) increase in public works expenditures due to the hiring of a public works director and an unusually snowy spring in 2018. Recreation and culture expenditures increased by $81,045 (7%) primarily caused by increased employee costs and the creation of an arts initiative program. 15 Management’s Discussion and Analysis CITY OF MONTICELLO The fund balance in the Community Center Fund increased $26,282 (5%) to $606,795. However, an additional $190,984 will be used for the remainder of the HVAC upgrade project to be completed in 2019. Charges for services increased $81,738 (6%) to $1,449,452 in 2018, and miscellaneous revenues increased $39,371(107%) in 2018 in the form of donations for the building upgrades. Expenditures decreased $73,212 (4%) to $1,894,583 due to timing of building improvements with a large portion of a budgeted 2018 project taking place in 2019. The fund balance in Economic Development Authority (EDA) Fund decreased $227,640 (3%) to $7,240,465. The assigned fund balance, which is available for general EDA activity, equaled $4,634,992 at year end. Land held for resale increased by $611,185 (27%) with the acquisition of four properties. Four parcels decreased in value so there was an adjustment to the carrying value. The EDA received $323,186 in property tax revenue and $638,278 in tax increments in 2018. At year end, the restricted $2,603,090 portion of the fund balance is attributable to tax increment districts and loan programs. The fund balance in the Debt Service Fund decreased $409,436 (15%) to $2,391,544. This planned fund balance decrease reflects prior year accumulation of resources to make scheduled bond payments. Special assessment revenue decreased $304,835 (48%) to $327,111, which is related to a large number of prepaid assessments in 2017. In governmental funds, assessments are recorded as a revenue when collectible, which occurs when it is in the current period or soon thereafter. The Capital Projects Fund provides the accounting for acquisition of general government capital assets. Accordingly, the fund accumulates resources from various sources and expenditures may or may not occur in the same year of accumulation. Consequently, the fund balance in the Capital Projects Fund decreased $946,008 (11%) to $7,527,500. Proceeds from the 2018A $5,000,000 tax abatement general obligation bond issue are accounted for in this fund and used to finance the Fallon Avenue Overpass project. The $5,000 transfer to the Debt Service Fund was used to initiate a new sub-fund for the 2018A bonds. Proprietary funds. The proprietary funds provide the same type of information found in the business-type activities in the government-wide financial statements, but in more detail. Water Fund expenses increased $78,247 (7%) with higher utilities and repairs costs. Utility employee personal service costs are divided between the Water Fund and Sewage Fund based on activity. The Water Fund operating revenues increased $16,753 (1%) with higher rates partially offset by lower consumption. The fund’s net position decreased $23,844 (0.2%), excluding the change in accounting standard, to $14,782,772. Depreciation expense for the fund totaled $519,200. Sewage Fund expenses increased $213,872 (8%) and operating revenues increased $109,059 (4%). The 2018 capital contributions of $599,555 included a $84,386 donation of Featherstone Third addition infrastructure from a developer in additional to sewer access charges. The fund’s net position increased $690,471 (3%), excluding the change in accounting standard, to $22,110,771. Depreciation expense for the fund totaled $1,183,540. The Liquor Fund’s net position increased $180,353 (11%), excluding the change in accounting standard, to $1,776,378. Liquor and related product sales increased $335,096 (6%) to $6,086,293, exceeding the $6 million threshold for the first time. Gross profit increased $18,365 (1%) to $1,539,546, which is lower than the sales increase because of the reclassification of freight costs to cost of sales. The Liquor Fund transferred $130,000 to the Fiber Optics Fund and $400,000 to the Park & Pathway Dedication (nonmajor) fund in 2018. Operating expenses decreased $26,197 (3%) to $854,218 with the reclassification of freight costs, and depreciation expense for the fund totaled $28,893. The Fiber Optics Fund’s net position decreased $407,106 (3%) to $12,643,701. The fund’s 2018 charges for services decreased $15,364 (1%) to $1,734,876. Excluding depreciation, the operating loss increased from $82,234 to $141,524 in 2018. Depreciation expense for the fund totaled $398,798. The city contracted for FiberNet operations management starting July 1, 2016. The Deputy Registrar Fund (DMV) net position increased $279,597 (33%), excluding the change in accounting standard, to $1,102,672. Charges for services increased $97,516 (16%) to $692,217 and operating expenses increased $31,629 (8%) to $429,683. Depreciation for the fund totaled $4,405. In 2017, the DMV transitioned to the new Minnesota’s Licensing and Vehicle Registration System (MNLARS) increasing personnel costs. The DMV processed 119,543 transactions, a 52% increase over the prior year. The sharp increase in transactions reflects both the increase in licensing activity and the multiple ways some transactions are counted by the new licensing system. Other factors of the changes in income from operations have previously been discussed in the government-wide financial analysis of business-type activities. 16 Management’s Discussion and Analysis CITY OF MONTICELLO GENERAL FUND BUDGETARY HIGHLIGHTS During the year, there were no amendments to the budget. General Fund revenues and other financing sources totaled $8,704,793 and exceeded budget by 417,793 (5%). Charges for services and licenses and permits were $111,064 (28%) and $105,714 (27%) higher than budget, respectively. Charges for services include fire fees, garbage charges to residential properties, and administrative staff time billed to planning and zoning applicants. Licenses and permits, which includes building permits, exceeded estimated revenue. Some revenues can be difficult to predict, and are, therefore, budgeted conservatively. General Fund expenditures totaled $7,924,408 and were $362,592 (4%) less than budget. Other financing uses consisted of unbudgeted transfers out of $700,000. With a partial year position vacancy, low fuel costs, and savings in hiring an engineer internally, public works was $290,100 (12%) less than budget. One function exceeded budget (recreation and culture). Within the functions, eleven of thirty-four reporting units exceeded budget. The General Fund year end fund balances since 2011 are as follows: CAPITAL ASSETS AND DEBT ADMINISTRATION CAPITAL ASSETS 2018 2017 2018 2017 2018 2017 Land 10,908,050$ 10,610,630$ 730,695$ 1,197,945$ 11,638,745$ 11,808,575$ Construction in progress 9,663,111 2,458,275 - 160,000 9,663,111 2,618,275 Buildings and systems 102,600,286 100,225,314 85,255,259 84,014,822 187,855,545 184,240,136 Machinery and equipment 6,122,457 5,951,126 3,488,117 2,971,727 9,610,574 8,922,853 Less: Accumulated depreciation (61,435,144) (57,280,565) (46,204,350) (44,097,800) (107,639,494) (101,378,365) Net total 67,858,760$ 61,964,780$ 43,269,721$ 44,246,694$ 111,128,481$ 106,211,474$ Governmental Activities Business-Type Activities Total Capital assets. The city’s investment in capital assets for its governmental and business-type activities at December 31, 2018 totaled $111,128,481 (net of accumulated depreciation). This investment in capital assets includes land, construction in progress, buildings and systems, including infrastructure, and machinery and equipment, including intangible assets. Major governmental activities capital assets changes: completion of the 2017 Street Reconstruction project, right-of-way land acquisitions and significant construction as part of the Fallon Avenue Overpass project, park improvements at Bertram Chain of Lakes, work started on HVAC upgrades at the Community Center, and equipment additions in the Central Equipment Fund of $174,573. Business-type capital assets: sewer improvements as part of the Chelsea Road street and utilities improvement project. The total increase from the prior fiscal year is 4.6%; governmental activities increased nearly 9.5% and business-type activities decreased 2.2%. Additional information on the city’s capital assets can be found in the notes to the financial statements on pages 42-43. Year Amount 2011 4,410,637$ 2012 3,478,507 2013 3,914,563 2014 4,331,058 2015 4,986,796 2016 6,276,720 2017 7,029,093 2018 7,109,478 17 Management’s Discussion and Analysis CITY OF MONTICELLO OUTSTANDING INDEBTEDNESS 2018 2017 2018 2017 2018 2017 General obligation bonds 5,375,000$ 5,785,000$ 2,095,000$ 2,280,000$ 7,470,000$ 8,065,000$ Certificate of indebtedness 135,000 200,000 - - 135,000 200,000 Special assessment bonds 10,925,000 12,695,000 - - 10,925,000 12,695,000 Tax abatement bonds 7,800,000 2,960,000 - - 7,800,000 2,960,000 Public facilities authority loan - - 1,903,000 1,998,402 1,903,000 1,998,402 Total 24,235,000$ 21,640,000$ 3,998,000$ 4,278,402$ 28,233,000$ 25,918,402$ Activities Activities Total Governmental Business-Type Long-term Debt. The city’s outstanding long-term debt, including general obligation bonds, certificates of indebtedness, special assessment bonds, tax abatement bonds, and a public facilities authority loan, totaled $28,233,000 at December 31, 2018. In 2018, the city issued $5,000,000 in tax abatement bonds (governmental activities) to finance the 2018 Fallon Avenue overpass project. Business-type long-term debt decreased with regularly scheduled payments in excess of the addition of debt (public facilities authority loan) related to the wastewater plant improvements. All other changes are the result of scheduled payments. Additional information on the city’s long-term liabilities can be found in the notes to the financial statements on pages 43-46 of this report. ECONOMIC FACTORS AND NEXT YEAR’S BUDGETS AND RATES  The unemployment rate for the Wright County, Minnesota area for December 31, 2018 was 3.4%, which is slightly above the state average (3.2%) and below the national average (3.7%).  The state and local economy are improving. New commercial and residential development continued to grow at a sustainable pace in 2018.  The occupancy rate of the city’s business district has remained constant over the last few years and new commercial construction is growing.  Inflationary trends in the region compare favorably to national indices and housing prices have risen the last few years.  The prospects for continued residential and commercial growth in 2019 look promising. REQUESTS FOR INFORMATION This financial report is designed to provide a general overview of the city’s finances for all those interested in governmental finance. Questions concerning any information in the report or requests for additional information should be addressed to City of Monticello, Finance Department, 505 Walnut Street, Suite 1, Monticello, MN 55362. 18 BASIC STATEMENTS CITY OF MONTICELLO Statement of Net Position December 31, 2018 Governmental Business-type Activities Activities Total ASSETS Cash and investments 29,870,022$ 13,601,972$ 43,471,994$ Receivables Unremitted taxes 54,408 - 54,408 Deliquent taxes 34,126 - 34,126 Unremitted special assessments 13,465 3,467 16,932 Deliquent special assessments 4,355 11,507 15,862 Deferred special assessments 4,838,773 272,670 5,111,443 Accrued interest 152,156 - 152,156 Accounts 185,977 666,467 852,444 Due from other governmental units 2,286,585 47,521 2,334,106 Internal balances (95,422) 95,422 - Inventory - 465,612 465,612 Prepaid items 172,264 45,649 217,913 Notes receivable 283,403 - 283,403 Land held for resale 4,472,364 - 4,472,364 Capital assets Nondepreciable 20,571,161 730,695 21,301,856 Depreciable, net 47,287,599 42,539,026 89,826,625 TOTAL ASSETS 110,131,236 58,480,008 168,611,244 DEFERRED OUTFLOWS OF RESOURCES Deferred other post-employment benefits resources 9,427 3,850 13,277 Deferred pension resources 549,725 144,455 694,180 TOTAL DEFERRED OUTFLOWS OF RESOURCES 559,152 148,305 707,457 LIABILITIES Accounts and contracts payable 1,095,813 697,908 1,793,721 Accrued interest payable 75,933 12,261 88,194 Other accrued liabilities 166,849 8,483 175,332 Due to other governmental units 94,035 177,525 271,560 Unearned revenue 51,697 - 51,697 Escrow deposits 354,143 - 354,143 Long-term liabilities Due within one year 3,130,977 338,219 3,469,196 Due in more than one year 24,048,661 4,653,110 28,701,771 TOTAL LIABILITIES 29,018,108 5,887,506 34,905,614 DEFERRED INFLOWS OF RESOURCES Deferred pension resources 727,897 229,091 956,988 Deferred MSA state aid and grants 4,354,767 - 4,354,767 TOTAL DEFERRED INFLOWS OF RESOURCES 5,082,664 229,091 5,311,755 NET POSITION Net investment in capital assets 43,517,983 39,250,211 82,768,194 Restricted for Debt service 6,082,504 - 6,082,504 Economic development 2,303,467 - 2,303,467 Tax increment 1,263,114 - 1,263,114 Unrestricted 23,422,548 13,261,505 36,684,053 TOTAL NET POSITION 76,589,616$ 52,511,716$ 129,101,332$ The notes to the financial statements are an integral part of this statement. 19 (This page left blank intentionally) 20 CITY OF MONTICELLO Statement of Activities For the Year Ended December 31, 2018 Operating Capital Charges for Grants and Grants and Governmental Business-type Expenses Services Contributions Contributions Activities Activities Total Governmental activities General government 1,614,613$ 207,802$ 6,849$ -$ (1,399,962)$ -$ (1,399,962)$ Public safety 2,377,661 780,236 215,039 - (1,382,386) - (1,382,386) Public works 5,548,199 217,675 186,577 2,032,280 (3,111,667) - (3,111,667) Sanitation 615,586 169,337 19,978 - (426,271) - (426,271) Transit 18,333 - - - (18,333) - (18,333) Recreation and culture 3,460,887 1,630,915 - 12,418 (1,817,554) - (1,817,554) Economic development 1,206,067 2,832 - - (1,203,235) - (1,203,235) Interest and fiscal charges 617,344 - - - (617,344) - (617,344) Total governmental activities 15,458,690 3,008,797 428,443 2,044,698 (9,976,752) - (9,976,752) Business-type activities Water 1,235,055 1,432,194 - 325,640 - 522,779 522,779 Sewage 2,932,413 2,581,833 - 599,555 - 248,975 248,975 Liquor 848,221 1,544,234 - - - 696,013 696,013 Fiber Optics 2,276,015 1,736,243 - - - (539,772) (539,772) Deputy Registrar 421,662 694,263 - - - 272,601 272,601 Total business-type activities 7,713,366 7,988,767 - 925,195 - 1,200,596 1,200,596 Total primary government 23,172,056$ 10,997,564$ 428,443$ 2,969,893$ (9,976,752)1,200,596 (8,776,156) General Revenues Property taxes 9,972,166 - 9,972,166 Tax increments 638,278 - 638,278 Franchise taxes 386,622 - 386,622 Unrestricted investment earnings 364,364 162,003 526,367 Gain on sale of capital assets 15,000 379,246 394,246 Transfers 1,000,000 (1,000,000) - Total general revenues and transfers 12,376,430 (458,751)11,917,679 Change in Net Position 2,399,678 741,845 3,141,523 Net Position, January 1, as previously reported 74,034,698 51,849,855 125,884,553 Change in accounting standard (Note 14)155,240 (79,984) 75,256 Net Position, January 1, as restated 74,189,938 51,769,871 125,959,809 Net Position, December 31 76,589,616$ 52,511,716$ 129,101,332$ Net (Expense) Revenue and Changes in Net PositionProgram Revenues The notes to the financial statements are an integral part of this statement. Functions/Programs 21 CITY OF MONTICELLO Balance Sheet Governmental Funds 101 226 213 Linked 300 Linked Economic 400 Total Total Community Development Debt Capital Nonmajor Governmental General Center Authority Service Projects Funds Funds ASSETS Cash and investments 7,513,518$ 689,015$ 4,204,160$ 2,380,456$ 8,755,896$ 5,194,777$ 28,737,822$ Receivables Unremitted taxes 46,066 - 4,722 - 3,620 - 54,408 Delinquent taxes 33,277 - 849 - - - 34,126 Unremitted special assessments - - - 12,462 1,003 - 13,465 Delinquent special assessments - - - 761 3,594 - 4,355 Deferred special assessments 743 - - 3,766,132 1,071,898 - 4,838,773 Accrued interest 152,156 - - - - - 152,156 Accounts 43,276 22,022 2,601 - - 118,048 185,947 Due from other governmental units 58,241 - - - 2,228,344 - 2,286,585 Prepaid items 124,650 26,702 2,383 - - 18,529 172,264 Notes receivable - - 194,124 - - 89,279 283,403 Land held for resale - - 2,840,575 - 1,631,789 - 4,472,364 TOTAL ASSETS 7,971,927$ 737,739$ 7,249,414$ 6,159,811$ 13,696,144$ 5,420,633$ 41,235,668$ LIABILITIES Accounts and contracts payable 247,577$ 61,593$ 8,071$ 1,374$ 721,893$ 36,584$ 1,077,092$ Other accrued liabilities 151,824 15,025 - - - - 166,849 Due to other governmental units 68,218 9,296 29 - 16,492 - 94,035 Unearned revenue 6,667 45,030 - - - - 51,697 Escrow deposits 354,143 - - - - - 354,143 Total liabilities 828,429 130,944 8,100 1,374 738,385 36,584 1,743,816 DEFERRED INFLOWS OF RESOURCES Unavailable revenue - property taxes 33,277 - 849 - - - 34,126 Unavailable revenue - special assessments 743 - - 3,766,893 1,075,492 - 4,843,128 Unavailable revenue - notes receivable - - - - - 89,279 89,279 Unavailable revenue - MSA state aid and grants - - - - 4,354,767 - 4,354,767 Total Deferred Inflows of Resources 34,020 - 849 3,766,893 5,430,259 89,279 9,321,300 FUND BALANCES Nonspendable 124,650 26,702 2,383 - - 18,529 172,264 Restricted - - 2,603,090 2,391,544 - 873,363 5,867,997 Assigned - 580,093 4,634,992 - 7,527,500 4,402,878 17,145,463 Unassigned 6,984,828 - - - - - 6,984,828 Total fund balance 7,109,478 606,795 7,240,465 2,391,544 7,527,500 5,294,770 30,170,552 TOTAL LIABILITIES, DEFERRED INFLOWS OF RESOURCES, AND FUND BALANCES 7,971,927$ 737,739$ 7,249,414$ 6,159,811$ 13,696,144$ 5,420,633$ 41,235,668$ The notes to the financial statements are an integral part of this statement. December 31, 2018 22 CITY OF MONTICELLO Reconciliation of the Governmental Funds Balance Sheet to the Statement of Net Position December 31, 2018 Amounts reported for governmental activities in the statement of net position are different because: Total fund balances - governmental funds 30,170,552$ Capital assets used in governmental activities are not financial resources and, therefore, are not reported in the funds. Land 10,908,050$ Construction in progress 9,663,111 Buildings and systems 102,600,286 Machinery and equipment 4,422,197 Accumulated depreciation (60,942,252) 66,651,392 Governmental funds do not report long-term amounts related to other post-employment benefits and pensions. Deferred outflows of resources - OPEB 9,427$ Deferred outflows of resources - pensions 549,725 Deferred inflows of resources - pensions (727,897) (168,745) Long-term liabilties that pertain to governmental funds, including bonds payable, are not due and payable in the current period and, therefore, are not reported as fund liabilities. All liabilities, both current and long-term, are reported in the Statement of Net Position. Bonds payable (23,750,000)$ Unamortized bond discounts 13,729 Unamortized bond premiums (119,506) Other post-employment benefits liability (220,074) Net pension liability - PERA (2,257,870) Net pension liability - FRA (85,641) (26,419,362) Internal service funds are used by management to charge the costs of central equipment, information technology, and benefit accrual services to individual funds. The assets and liabilities of the internal service funds are included in governmental activities in the Statement of Net Position. Internal service fund net position included in the governmental activities 1,560,005$ Less internal services net position allocated to to business-type activities (95,422) 1,464,583 Some of the city's property taxes, special assessments, and notes receivable will be collected after year-end, but are not available soon enough to pay for current period expenditures and, therefore, are reported as deferred inflows of resources in the governmental funds. 4,966,533 Interest on long-term debt is not accrued in governmental funds, but rather is recognized as an expenditure when due. Accrued interest for general obligation bonds is included in the Statement of Net Position. (75,337) NET POSITION OF GOVERNMENTAL ACTIVITIES 76,589,616$ The notes to the financial statements are an integral part of this statement. 23 CITY OF MONTICELLO Statement of Revenues, Expenditures and Changes in Fund Balance Governmental Funds For the Year Ended December 31, 2018 101 226 213 Linked 300 Linked Economic 400 Total Total Community Development Debt Capital Nonmajor Governmental General Center Authority Service Projects Funds Funds Revenues Property taxes 6,634,769$ 387,000$ 323,186$ 1,787,000$ 835,595$ -$ 9,967,550$ Tax increments - - 638,278 - - - 638,278 Franchise taxes 245,000 - - - 19,363 122,259 386,622 Special assessments 206 - - 327,111 372,873 - 700,190 Licenses and permits 504,464 - - - - - 504,464 Intergovernmental 428,443 - - - 483,034 - 911,477 Charges for services 509,464 1,449,452 - - - 139,446 2,098,362 Fines and forfeitures 45,350 - - - - - 45,350 Investment earnings 106,767 8,242 43,407 33,774 94,431 64,999 351,620 Other revenues 215,330 76,171 2,832 - - 8,136 302,469 Total revenues 8,689,793 1,920,865 1,007,703 2,147,885 1,805,296 334,840 15,906,382 Expenditures Current General government 1,656,557 - - - - - 1,656,557 Public safety 2,354,453 - - - - - 2,354,453 Public works 2,079,091 - - - - 214 2,079,305 Sanitation 615,586 - - - - - 615,586 Transit 18,333 - - - - - 18,333 Recreation and culture 1,200,388 1,803,422 - - - 30,686 3,034,496 Economic development - - 1,151,816 - - 58,237 1,210,053 Capital outlay Public works - - - - 9,009,309 378,874 9,388,183 Recreation and culture - 91,161 - - - 229,137 320,298 Debt service Principal - - - 2,285,000 - - 2,285,000 Interest and fiscal charges - - - 522,220 - - 522,220 Bond issuance costs - - - - 94,350 - 94,350 Total expenditures 7,924,408 1,894,583 1,151,816 2,807,220 9,103,659 697,148 23,578,834 Excess (deficiency) of revenues over expenditures 765,385 26,282 (144,113) (659,335) (7,298,363) (362,308) (7,672,452) Other financing sources (uses) Long-term debt issued - - - - 5,000,000 - 5,000,000 Premium on long-term debt issued - - - - 40,882 - 40,882 Sale of capital assets 15,000 - - - - - 15,000 Transfers in - - 116,473 249,899 1,316,473 400,000 2,082,845 Transfers out (700,000) - (200,000) - (5,000) (277,845) (1,182,845) Total other financing sources (uses) (685,000) - (83,527) 249,899 6,352,355 122,155 5,955,882 Net change in fund balances 80,385 26,282 (227,640) (409,436) (946,008) (240,153) (1,716,570) Fund balance at beginning of year 7,029,093 580,513 7,468,105 2,800,980 8,473,508 5,534,923 31,887,122 Fund balance at end of year 7,109,478$ 606,795$ 7,240,465$ 2,391,544$ 7,527,500$ 5,294,770$ 30,170,552$ The notes to the financial statements are an integral part of this statement. 24 CITY OF MONTICELLO Reconciliation of the Statement of Revenues, Expenditures and Changes in Fund Balances of Governmental Funds to the Statement of Activities For the Year Ended December 31, 2018 Amounts reported for governmental activities in the Statement of Activities are different because: Net change in fund balances - governmental funds (1,716,570)$ Governmental funds reported capital outlays as expenditures. However, in the statement of activities the cost of those assets is allocated over their estimated useful lives and reported as depreciation expense. This is the amount by which capital outlays exceeded depreciation in the current period. Capital outlays 9,580,224$ Capital contributions 323,130 Depreciation (4,024,293) 5,879,061 Proceeds from long-term debt provide financial resources to governmental funds, but the issuing of debt increases long-term liabilities in the Statement of Net Position. (5,000,000) Repayment of long-term debt principal is an expenditure in the governmental funds, but the repayment reduces long-term liabilities in the Statement of Net Position. 2,285,000 Some expenses reported in the Statement of Activities do not require the use of current financial resources and, therefore, are not reported as expenditures in the governmental funds. Amortization of bond discounts (2,600)$ Premium on long-term debt issued (40,882) Amortization of bond premiums 66,041 Change in total OPEB liability and deferred outflows of resources (14,824) Change accrued interest payable (9,968) (2,233) Long-term pension activity is not reported in governmental funds Pension revenue from state contributions 17,270 Pension expense 132,988 Deferred inflows of resources are revenues included in the change in net position, but are excluded from the change in fund balances until they are available to liquidate liabilities of the current period. Taxes 4,616$ Special assessments 555,645 Notes receivable (27,500) 532,761 Internal service funds are used by management to charge the costs of certain activities to individual funds The net revenue of the internal service funds is reported with governmental activities. Internal service fund activity included in governmental activities 293,775$ Subtract internal service fund activity allocated to business-type activities (22,374) 271,401 Change in net position of governmental activities 2,399,678$ The notes to the financial statements are an integral part of this statement. 25 CITY OF MONTICELLO Statement of Net Position Proprietary Funds Governmental Activities - 265 262 609 656 217 Linked 601 602 Deputy Internal Water Sewage Liquor Fiber Optics Registrar Totals Service Funds ASSETS Current assets Cash and investments 5,114,048$ 5,010,271$ 1,804,170$ 334,807$ 1,338,676$ 13,601,972$ 1,132,200$ Receivables Unremitted special assessments Unremitted special assessmentsUnremitted special assessments 3,467 - - - - 3,467 - Deliquent special assessments Deliquent special assessmentsDeliquent special assessments 11,507 - - - - 11,507 - Deferred special assessments Deferred special assessmentsDeferred special assessments 261,696 10,974 - - - 272,670 - Account receivable Account receivableAccounts 149,341 438,422 - 78,704 - 666,467 30 Account receivable Account receivableDue from other governmental units - - - - 47,521 47,521 - Inventory - - 465,612 - - 465,612 - Prepaid items 12,238 20,790 10,237 1,000 1,384 45,649 - Total current assets 5,552,297 5,480,457 2,280,019 414,511 1,387,581 15,114,865 1,132,230 Noncurrent assets Capital assets Land 208,143 516,952 5,600 - - 730,695 - Buildings and systems 21,097,802 48,365,434 807,257 14,896,665 88,101 85,255,259 - Machinery and equipment 302,728 2,697,300 168,098 305,726 14,265 3,488,117 1,700,260 Total capital assets Total capital assets 21,608,673 51,579,686 980,955 15,202,391 102,366 89,474,071 1,700,260 Less accumulated depreciation (12,185,759) (30,172,912) (841,745) (2,958,552) (45,382) (46,204,350) (492,892) Total capital assets (net)9,422,914 21,406,774 139,210 12,243,839 56,984 43,269,721 1,207,368 TOTAL ASSETS 14,975,211 26,887,231 2,419,229 12,658,350 1,444,565 58,384,586 2,339,598 DEFERRED OUTFLOWS OF RESOURCES Deferred other post-employment benefits resources 797 797 1,459 - 797 3,850 - Deferred pension resources 22,223 27,780 61,116 - 33,336 144,455 - TOTAL DEFERRED OUTFLOWS OF RESOURCES 23,020 28,577 62,575 - 34,133 148,305 - (continued) Business-Type Activities – Enterprise Funds December 31, 2018 26 CITY OF MONTICELLO Statement of Net Position Proprietary Funds December 31, 2018 (Continued) Governmental Activities - Deputy Internal Water Sewage Liquor Fiber Optics Registrar Totals Service Funds LIABILITIES Current liabilities Accounts and contracts payable 7,404$ 536,138$ 134,587$ 14,649$ 5,130$ 697,908$ 18,721$ Accrued interest payable - 12,261 - - - 12,261 596 Other accrued liabilities 6,050 - 2,433 - - 8,483 - Due to other governmental units 8,328 4,125 63,609 - 101,463 177,525 - Bonds and loans payable - current - 288,000 - - - 288,000 120,000 Compensated absences due within one year 10,039 10,039 20,411 - 9,730 50,219 155,977 Total current liabilities 31,821 850,563 221,040 14,649 116,323 1,234,396 295,294 Noncurrent liabilities Bonds and loans payable - net current portion - 3,731,510 - - - 3,731,510 365,000 Compensated absences payable 7,750 7,750 17,739 - 5,167 38,406 119,299 Total OPEB liability 18,598 18,598 34,095 - 18,598 89,889 - Net pension liability 122,046 152,560 335,628 - 183,071 793,305 - Total noncurrent liabilities 148,394 3,910,418 387,462 - 206,836 4,653,110 484,299 TOTAL LIABILITIES 180,215 4,760,981 608,502 14,649 323,159 5,887,506 779,593 DEFERRED INFLOWS OF RESOURCES Deferred pension resources 35,244 44,056 96,924 - 52,867 229,091 - NET POSITION Net investment in capital assets 9,422,914 17,387,264 139,210 12,243,839 56,984 39,250,211 722,368 Unrestricted 5,359,858 4,723,507 1,637,168 399,862 1,045,688 13,166,083 837,637 TOTAL NET POSITION 14,782,772$ 22,110,771$ 1,776,378$ 12,643,701$ 1,102,672$ 52,416,294 1,560,005$ Adjustment to reflect the cumulative internal balance for the net effect of the activity between the internal service funds and the enterprise funds over time 95,422 Net position of business-type activities (page 19)52,511,716$ The notes to the financial statements are an integral part of this statement. Business-Type Activities – Enterprise Funds 27 (This page left blank intentionally) 28 CITY OF MONTICELLO Statement of Revenues, Expenses and Changes in Net Position Proprietary Funds For the Year Ended December 31, 2018 Governmental Activities -265 262 609 656 217 Linked 601 602 Deputy Internal Water Sewage Liquor Fiber Optics Registrar Totals Service Funds Sales and cost of sales Net sales 6,086,293$ 6,086,293$ Cost of sales (4,546,747) (4,546,747) Gross profit 1,539,546 1,539,546 Operating revenues Charges for services 1,351,067$ 2,580,416$ - 1,734,876$ 692,217$ 6,358,576 548,601$ Other 81,127 1,417 4,688 1,367 2,046 90,645 120 Total operating revenues 1,432,194 2,581,833 4,688 1,736,243 694,263 6,449,221 548,721 Operating expenses Personal services 255,694 328,965 592,745 205 378,669 1,556,278 25,899 Materials and supplies 168,350 131,864 556 111,403 9,364 421,537 31,282 Other services and charges 295,342 1,213,599 232,024 1,766,159 37,245 3,544,369 135,707 Depreciation 519,200 1,183,540 28,893 398,798 4,405 2,134,836 171,636 Total operating expenses 1,238,586 2,857,968 854,218 2,276,565 429,683 7,657,020 364,524 Operating income (loss) 193,608 (276,135) 690,016 (540,322) 264,580 331,747 184,197 Nonoperating revenues (expenses) Investment earnings 56,908 66,525 20,337 3,216 15,017 162,003 12,744 Interest expense - (78,720) - - - (78,720) (13,365) Gain on sale of capital asset - 379,246 - - - 379,246 - Total Nonoperating revenes (expenses) 56,908 367,051 20,337 3,216 15,017 462,529 (621) Income (loss) before capital contributions and transfers 250,516 90,916 710,353 (537,106) 279,597 794,276 183,576 Capital contributions 325,640 599,555 - - - 925,195 10,199 Transfers in - - - 130,000 - 130,000 300,000 Transfers out (600,000) - (530,000) - - (1,130,000) (200,000) Change in net position (23,844) 690,471 180,353 (407,106) 279,597 719,471 293,775 Net Position, January 1, as previously reported 14,823,165 21,436,849 1,626,362 13,050,807 839,624 1,266,230 Change in accounting standard (Note 14) (16,549) (16,549) (30,337) - (16,549) - Net Position, January 1, as restated 14,806,616 21,420,300 1,596,025 13,050,807 823,075 1,266,230 Net Position, December 31 14,782,772$ 22,110,771$ 1,776,378$ 12,643,701$ 1,102,672$ 1,560,005$ Adjustment to reflect the consolidation of internal service fund related to enterprise funds 22,374 Change in net position of business-type activities (page 21)741,845$ Business-Type Activities – Enterprise Funds The notes to the financial statements are an integral part of this statement. 29 CITY OF MONTICELLO Statement of Cash Flows Proprietary Funds For the Year Ended December 31, 2018 Governmental Activities - 265/601 262/602 609 656 217 Linked 601 602 Deputy Internal Water Sewage Liquor Fiber Optics Registrar Totals Service Funds Cash flows from operating activities Cash received from customers and users 1,375,016$ 2,537,678$ 6,089,952$ 1,679,899$ 653,265$ 12,335,810$ -$ Cash from interfund services provided - - - - - - 548,721 Cash paid to suppliers for goods and services (467,771) (1,265,900) (4,760,298) (1,877,048) (21,837) (8,392,854) (164,883) Cash paid to employees (266,735) (342,440) (619,671) (205) (391,575) (1,620,626) - Cash paid to other funds for services provided (9,824) (11,893) (16,686) (1,530) (22,317) (62,250) - Net cash provided (used) by operating activities 630,686 917,445 693,297 (198,884) 217,536 2,260,080 383,838 Cash flows from noncapital financing activities Transfers from other funds - - - 130,000 - 130,000 300,000 Transfers to other funds (600,000) - (530,000) - - (1,130,000) (200,000) Net cash provided (used) by noncapital financing activities (600,000) - (530,000) 130,000 - (1,000,000) 100,000 Cash flows from capital and related financing activities Capital contributions 208,449 515,169 - - - 723,618 - Sale of assets - 849,995 - - - 849,995 - Acquisition of capital assets (40,530) (934,229) (33,570) - - (1,008,329) (176,356) Long-term debt issued - 6,747 - - - 6,747 - Principal paid on long-term debt - (287,149) - - - (287,149) (120,000) Interest and fiscal charges paid on long-term debt - (81,125) - - - (81,125) (13,485) Net cash provided (used) by capital and related financing activities 167,919 69,408 (33,570) - - 203,757 (309,841) Cash flows from investing activities Interest on investments 56,908 66,525 20,337 3,216 15,017 162,003 12,744 Net increase (decrease) in cash and cash equivalents 255,513 1,053,378 150,064 (65,668) 232,553 1,625,840 186,741 Cash and cash equivalents, January 1 4,858,535 3,956,893 1,654,106 400,475 1,106,123 11,976,132 945,459 Cash and cash equivalents, December 31 5,114,048$ 5,010,271$ 1,804,170$ 334,807$ 1,338,676$ 13,601,972$ 1,132,200$ Business-Type Activities – Enterprise Funds (continued) 30 CITY OF MONTICELLO Statement of Cash Flows Proprietary Funds For the Year Ended December 31, 2018 (Continued) Governmental Activities - Deputy Internal Water Sewage Liquor Fiber Optics Registrar Totals Service Funds Reconciliation of operating income (loss) to net cash provided (used) by operating activities Operating income (loss)193,608$ (276,135)$ 690,016$ (540,322)$ 264,580$ 331,747$ 184,197$ Adjustments to reconcile operating income (loss) to net cash provided (used) by operating activities Depreciation 519,200 1,183,540 28,893 398,798 4,405 2,134,836 171,636 OPEB expense 1,252 1,252 2,299 - 1,252 6,055 - Other expense related to operations - - 9,355 - - 9,355 - (Increase) decrease in assets Special assessments receivable (67,951) 695 - - - (67,256) - Accounts receivable 4,758 (44,850) - (56,344) - (96,436) - Due from other governmental units - - - - (9,642) (9,642) - Inventory - - 7,753 - - 7,753 - Prepaid items (268) 558 721 - 563 1,574 - (Increase) decrease in deferred outflows Deferred pension resources 13,770 17,212 37,867 - 20,655 89,504 - Increase (decrease) in liabilities Accounts and contracts payable (13,786) 65,966 (17,913) (1,016) 1,892 35,143 2,106 Other liabilities 6,015 - (1,029) - - 4,986 - Due to other governmental units 151 1,146 2,427 - (31,356) (27,632) - Compensated absences (2,553) (2,553) (2,442) - 451 (7,097) 25,899 Net pension liability (18,145) (22,680) (49,897) - (27,216) (117,938) - Increase (decrease) in deferred inflows Deferred pension resources (5,365) (6,706) (14,753) - (8,048) (34,872) - Net cash provided (used) by operating activities 630,686$ 917,445$ 693,297$ (198,884)$ 217,536$ 2,260,080$ 383,838$ Schedule of noncash investing, capital and financing activities: Net amortization of bond premium (discount)-$ 1,986$ -$ -$ -$ 1,986$ -$ Disposal of capital assets -$ 470,749$ 9,355$ -$ -$ 480,104$ -$ Capital assets purchased on account -$ 442,290$ -$ -$ -$ 442,290$ -$ Capital contributions 117,191$ 84,386$ -$ -$ -$ 201,577$ 10,199$ Change in total OPEB liability 2,049$ 2,049$ 3,758$ -$ 2,049$ 9,905$ -$ The notes to the financial statements are an integral part of this statement. Business-Type Activities – Enterprise Funds 31 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO NOTE 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The basic financial statements of the city of Monticello, Minnesota (the city) have been prepared in conformity with accounting principles (GAAP) generally accepted in the United States of America as applied to governmental units, as applied by the Governmental Accounting Standards Board (GASB). GASB is the accepted standard-setting body for establishing governmental accounting and financial reporting principles. The significant accounting policies of the city are described as follows: A. Reporting entity Incorporated in 1856, the city of Monticello is designated as a third-class city (population 10,001 to 20,000) and governed by statutory city code under Optional Plan A in Minnesota statutes. The city falls under section 501(a) of the Internal Revenue Code. The five-member mayor-council is elected on staggered, even-numbered years. Councilors are elected at-large to four-year terms while the mayor is elected to a two-year term. The governing body appoints an administrator to implement policies and oversee daily operations. The accompanying financial statements include all funds, departments, agencies, boards, commissions, and other organizations that comprise the city, along with any component units. Component units are legally separate entities for which the city (primary government) is financially accountable, or for which the exclusion of the component unit would render the financial statements of the primary government misleading. Criteria used to determine if the primary government is financially accountable for a component unit includes whether or not the primary government appoints the voting majority of the potential component unit’s governing body, is able to impose its will on the potential component unit, is in a relationship of financial benefit or burden with the potential component unit, or is fiscally depended upon by the potential component unit. The Monticello Economic Development Authority (EDA) was created pursuant to Minnesota Statutes § 469.090 through § 469.108 to carryout economic and industrial development and redevelopment within the city in accordance with policies established by the City Council. The seven-member Board of Directors consists of two councilmembers and five members from the community appointed by the City Council. The City Council reviews and approves the tax levy and all expenditures for the EDA. Therefore, the EDA is reported as a blended component unit within the EDA Special Revenue Fund. Separate financial statements are not issued for this component unit. The mayor and council are responsible for appointing some members of other organizations. However, the city’s accountability for these organizations does not extend beyond making appointments. B. Government-wide and fund financial statements The government-wide financial statements (i.e., the statement of net position and the statement of activities) report information on all of the activities of the primary government and its component unit. Governmental activities, which normally are supported by taxes and intergovernmental revenues, are reported separately from business-type activities, which rely to a significant extent on fees and charges for support. The statement of activities demonstrates the degree to which the direct expenses of a given function or segment is offset by program revenues. Direct expenses are those that are clearly identifiable with a specific function. Program revenues include 1) charges to customers or applicants who purchase, use, or directly benefit from goods, services, or privileges provided by a given function or segment and 2) grants and contributions that are restricted to meeting the operation or capital requirements of a particular function or segment. Taxes and other items not properly included among program revenues are reported instead as general revenues. Separate financial statements are provided for governmental funds and proprietary funds. Major individual governmental funds and major individual enterprise funds are reported as separate columns in the fund financial statements. Aggregated information for the remaining nonmajor funds are reported in single columns in the respective fund financial statements. The city applies restricted resources first when an expense is incurred for which both restricted and unrestricted resources are available. Depreciation expense is included in the direct expense of each function. Interest on long-term debt of governmental activities is considered an indirect expense and is reported separately on the Statement of Activities. C. Measurement focus, basis of accounting, and financial statement presentation The government-wide financial statements are reported using the economic resources measurement focus and the accrual basis of accounting, as are the proprietary fund financial statements. Revenues are recorded when earned and expenses are recorded when a liability is incurred, regardless of the timing of related cash flows. Property taxes and special assessments, if levied, are recognized as revenues in the year for which they are levied. Grants and similar 32 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO items are recognized as revenue as soon as all eligibility requirements imposed by the provider have been met. Governmental fund financial statements are reported using the current financial resources measurement focus and the modified accrual basis of accounting. Revenues are recognized as soon as they are both measurable and available. Revenues are considered available when they are collectible with the current period or soon enough thereafter to pay liabilities of the current period. For this purpose, the city considers revenue to be available if they are collected within 60 days of the end of the current fiscal period. Expenditures generally are recorded when a liability is incurred, as under accrual accounting. However, debt service expenditures, as well as expenditures related to claims and judgments, compensated absences, other post-employment benefits, and net pension liabilities, are recognized as expenditures to the extent they have matured. Capital asset acquisitions are reported as capital outlay expenditures in the governmental funds. Proceeds from long-term debt are reported as other financing sources. Property taxes, franchise taxes, licenses, and investment interest associated with the current fiscal period are all considered to be susceptible to accrual and have been recognized as revenues of the current fiscal period. All other revenue items are considered to be measurable and available only when cash is received by the city. Since governmental fund statements are presented using a measurement focus and basis of accounting different from that used in the government-wide statements’ governmental column, a reconciliation is presented that briefly explains the adjustments necessary to reconcile ending net position and the change in net position. In the fund financial statements, financial transactions and accounts of the city are organized on the basis of funds. The operation of each fund is considered to be an independent fiscal and separate accounting entity, with a self-balancing set of accounts recording cash and/or other financial resources together with all related liabilities and residual equities or balances, and changes therein, which are segregated for the purpose of carrying on specific activities or attaining certain objectives in accordance with special regulations, restriction, or limitations. Major Governmental Funds – The major governmental funds reported by the city are as follows: General Fund – The General Fund is used to account for all financial resources except those required to be accounted for in another fund. Community Center Fund – The Community Center (special revenue) Fund accounts for the revenues and expenditures related to the community center. In addition to a property tax allocation, the community center generates significant revenue from charges for memberships, program activities, and space rentals. Economic Development Authority (EDA) Fund – The EDA (special revenue) Fund is used to account for revenues and expenditures related to the blended component unit. Tax increments, generated mainly by economic and redevelopment districts, and a property tax levy are the EDA’s primary revenue sources. Debt Service Fund – The Debt Service Fund is used to account for the accumulation of resources for and the payment of long-term debt principal, interest, and related costs. Capital Projects Fund – The Capital Projects Fund is used to account for financial resources to be used for the acquisition or construction of major capital facilities (other than those financed by proprietary funds). Major Proprietary Funds – The city reports the following major proprietary funds: Water Fund – The Water (enterprise) Fund is used to account for all activities necessary to provide water services to the residents and businesses of the city. Sewage Fund – The Sewage (enterprise) Fund is used to account for all activities necessary to provide sewage services to the residents and businesses of the city. Liquor Fund – The Liquor (enterprise) Fund is used to account for the operations of the city’s liquor store. Fiber Optics Fund – The Fiber Optics (enterprise) Fund is used to account for all activities necessary to provide fiber optic services to the residents and businesses of the city. Deputy Registrar Fund – The Deputy Registrar (enterprise) Fund is used to account for the operation of city’s department of motor vehicles. 33 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO Additionally, the city reports the following fund type: Internal Service Funds – These funds account for the city’s benefit accrual, central equipment, and information technology services. Internal service funds operate in a manner similar to enterprise funds; however, they provide services primarily to other city departments. As a general rule, the effect of interfund activity has been eliminated from the government-wide financial statements. Exceptions to this general rule are charges between the city’s enterprise funds and various other functions of the city. Elimination of these charges would distort the direct costs and program revenues of the various functions concerned. Amounts reported as program revenues include 1) charges to customers or applicants for goods, services, or privileges provided, 2) operating grants and contributions, and 3) capital grants and contributions, including special assessments. Internally dedicated resources are reported as general revenues rather than as program revenues. Likewise, general revenues include all taxes the city has the authority to impose. Proprietary funds distinguish operating revenues and expenses from non- operating items. Operating revenues and expenses generally result from providing services and producing and delivering goods in connection with a proprietary fund’s principal ongoing operations. The principal operating revenues of the city’s enterprise and internal service funds are charges to customers for sales and services. Operating expenses for enterprise and internal service funds include cost of sales and services, administrative expenses, and depreciation on capital assets. All revenue and expenses not meeting this definition are reported as non-operating revenues and expenses. Aggregated information for the internal service funds is reported in a single column in the proprietary fund financial statements. Because the principal user of the internal services is the city’s governmental activities, the financial statements of the internal service funds are consolidated into the governmental column when presented in the government-wide financial statements. The cost of these services is reported in the appropriate functional activity. D. Cash and Investments Cash and investments include balances from all funds that are combined and invested to the extent available in savings accounts, certificates of deposit, U.S. government obligations, and other securities authorized by state statutes. Earnings from investments are allocated to the respective funds on the basis of applicable participation by each fund. For purposes of the statement of cash flows, the city considers all highly liquid debt instruments with an original maturity from the time of purchase by the city of three months or less to be cash equivalents. The proprietary fund’s equity in the government-wide cash and investment management pool is considered to be cash equivalent. Investments are generally stated at fair value, except for investments in external investment pools, which are stated at amortized cost. Short-term highly liquid debt instruments (including commercial paper, banker’s acceptances, and U.S. treasury and agency obligations) purchased with a remaining maturity of one year or less are reported at amortized cost. Investment income is accrued at the balance sheet date. The city categorizes its fair value measurements within the fair value hierarchy established by accounting principles generally accepted in the United States of America. The hierarchy is based on the valuation inputs used to measure the fair value of the asset as follows:  Level 1 inputs are quoted prices in active markets for identical assets  Level 2 inputs are significant other observable inputs  Level 3 inputs are significant unobservable inputs. Debt securities classified in Level 2 of the fair value hierarchy are valued using a matrix pricing technique. Matrix pricing is used to value securities based on the securities’ relationship to benchmark quoted prices. See Note 2 for the city’s recurring fair value measurements as of December 31, 2018. E. Property Taxes Property tax levies are set by the city council each year and are certified to Wright County for collection in the following year. In Minnesota, counties act as collection agents for all property taxes. Wright County spreads all levies over taxable property. Such taxes become a lien on January 1 and are recorded as receivables by the city on that date. Most property taxes can be paid without penalty and interest by taxpayers in two equal installments on May 15 and October 15. Wright County provides tax settlements to cities and other taxing districts several times throughout the year. Within the governmental fund financial statements, the city recognizes property tax revenue when it becomes both measurable and available to finance expenditures of the current period. Taxes which remain unpaid at December 31 are classified as delinquent taxes receivable and are offset by deferred inflows of resources because it is not available to finance current expenditures. 34 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO Deferred inflows of resources in governmental activities are susceptible to full accrual on the government-wide financial statements. F. Special Assessments Special assessments are levied against the benefiting properties for the assessable costs of special assessment improvement projects in accordance with Minnesota Statutes. The city usually adopts assessment rolls when individual public improvement projects are complete or substantially complete. The assessments are collectible over a term of years generally consistent with the term of years for the related bond issue. Collection of annual installments (including interest) is handled by the county in the same manner as property taxes. Property owners are allowed to prepay total future installments without interest or prepayment penalties. Once a special assessment roll is adopted, the amount attributed to each parcel is a lien upon that property until full payment is made or the amount is determined to be excessive by the city council or court action. If special assessments are left unpaid, the property is subject to tax forfeited sale and the first proceeds of that sale (after costs, penalties, and expenses of sale) are remitted to the city in payment of delinquent special assessments. Generally, the city will collect the full amount of its special assessments not adjusted by city council or court action. Pursuant to state statutes, a property shall be subject to tax forfeit sale after three years of delinquency except for homesteaded, agricultural or seasonal recreational property, which is subject to sale after five years. These assessments are recorded as delinquent (levied, but not yet paid) and deferred (certified, but not yet levied) special assessments receivable, and are offset by deferred inflows of resources in the governmental fund financial statements. Unremitted special assessment amounts collected by Wright County are recorded as unremitted special assessments. G. Receivables Utility and miscellaneous accounts receivable are reported at gross value. Since the city is generally able to certify delinquent amounts to the county for collection as special assessments, no allowance for uncollectible accounts has been provided on current receivables. The city contracted with a third party to manage Fibernet beginning on July 1, 2016. On a monthly basis, the city receives amounts billed by Arvig with an estimated portion withheld for uncollectible account. Customer receivable balances are carried by Arvig rather than the city. Therefore, no allowance for uncollectible accounts is set up in the proprietary Fiber Optics Fund. A receivable is considered past due if any portion of the receivable balance is outstanding for more than 30 days. Interest is charged on receivables that are considered past due. Accrual of interest is not suspended until a receivable is determined to be uncollectible. Provisions for bad debts would be insignificant and none have been made for 2018. Interest receivable is recorded as revenue in the year the interest is earned and is available to pay liabilities of the current period. The interest receivable balance is reported as one amount in the General Fund while all other funds receive interest revenue distributions in cash. H. Inventories The inventories of the proprietary funds are stated at cost using the first-in, first- out (FIFO) method. Enterprise fund inventory consists of merchandise held for resale at the city-owned Hi-Way Liquors store. I. Prepaid Items Payments to vendors for services that will benefit future accounting periods are recorded as prepaid. Prepaid items are accounted for using the consumption method. Fund balance in an amount equal to the prepaid balance in the related funds is not available for appropriation, and is, therefore, classified as nonspendable. J. Notes Receivable Notes receivable consist of loans made by the city to area businesses for development or redevelopment purposes. The terms and interest rates of the individual loans vary. Notes receivable are offset by deferred inflows of resources in the governmental funds. K. Land Held for Resale Land held for resale is recorded in the governmental fund which purchased it at the lower of cost or acquisition value. Fund balances are reported as restricted or assigned in an amount equal to the land’s carrying value is reported in the governmental funds as these assets are not available for appropriation. 35 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO L. Capital Assets Capital assets, which include property, plant, equipment, and infrastructure assets (roads, bridges, sidewalks, and similar items) are reported in the applicable governmental or business-type activities columns in the government- wide financial statements. Such assets are capitalized at historical cost or estimated historical cost for assets where actual historical cost is not available. Donated capital assets are recorded at their estimated acquisition value at the date of donation. The city’s capitalization policy divides each asset into a class with a related threshold as follows: Class of Asset Threshold Level Land $1 Land improvements $50,000 Building/building improvements $20,000 Primary infrastructure and utility $75,000 Secondary infrastructure $25,000 Equipment $10,000 Software and non-tangible $10,000 The cost of normal maintenance and repairs that does not add to the value of the asset or materially extend asset lives is not capitalized. The city has elected to fully capitalize the infrastructure capital assets of its governmental activities regardless of their acquisition date or amount. Capital assets are recorded in the government-wide and proprietary fund financial statements but are not reported in the governmental funds financial statements. Interest incurred during the construction phase of capital assets for business-type activities is included as part of the capitalized value of the assets constructed. Capital assets are depreciated using the straight-line method over their estimated useful lives. Since surplus assets are generally sold for an immaterial amount when no longer needed for city purposes, no salvage value is taken into consideration for depreciation purposes. Useful lives vary from 10 to 40 years for infrastructure; 5 to 20 years for vehicles, machinery, and furniture and equipment; 12 to 40 years for buildings; and 10 to 20 years for improvements other than buildings. Capital assets not being depreciated include land and construction in progress. M. Deferred Outflows of Resources In addition to assets, the statement of net position and/or balance sheet will sometimes report a separate section for deferred outflows of resources. This separate financial statement element represents a consumption of net position that applies to future periods and so will not be recognized as an outflow of resources (expense/expenditure) until that time. The city has two types of item, which arise under a full accrual basis of accounting, that qualify for reporting in this category. Accordingly, the items, deferred other post-employment benefits resources and deferred pension resources, are reported only in the statement of net position. These items result from other post-employment benefits and pension-related actuarial calculations and current year contributions made subsequent to the measurement date. N. Long-Term Liabilities In the government-wide and proprietary fund financial statements, long-term debt and other long-term obligations are reported as liabilities. Bond premiums and discounts, if material, are deferred and amortized over the life of the bonds using the straight-line method. In the fund financial statements, governmental fund types recognize bond premiums and discounts during the current period. Premiums received on debt issuances are reported as other financing sources while discounts on debt issuances are reported as other financing uses. The face amount of debt issued is reported as other financing sources. Issuance costs, whether or not withheld from the actual debt proceeds received, are reported as debt service expenditures. O. Compensated Absences Payable City employees earn vacation and sick leave or paid-time-off (PTO) based upon the number of completed years of service. The city compensates employees for unused vacation/PTO upon termination of employment. All new full-time employees receive PTO, while three employees still receive the sick leave benefit. Full-time employees who resign or leave city employment voluntarily and in good standing, after giving proper notice, shall be compensated for unused days under their respective plan. PTO is credited at the beginning of each fiscal year for existing employees and prorated for the fiscal year for new employees. Sick leave is accrued by pay period. PTO Benefit: Up to 320 hours accrued at year-end plus any current year hours earned to their date of severance multiplied by their ending hourly rate. Sick leave benefit: One-half of the unused sick leave times their hourly rate at the time of severance. 36 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO All compensated absences are accrued when incurred in the government-wide and proprietary fund financial statements. The liability for governmental funds is recorded in the internal service Benefit Accrual Fund. Resignations and retirements of employees reduce the liability in the Benefit Accrual Fund or the applicable enterprise fund. P. Pensions For purposes of measuring the net pension liability, deferred outflows/inflows of resources, and pension expense, information about the fiduciary net position of the Public Employees Retirement Association (PERA) and Monticello Fire Relief (FRA) and additions to/deductions from each plan’s fiduciary net position have been determined on the same basis as they are reported by each plan, except that PERA’s fiscal year end in June 30. For this purpose, plan contributions are recognized as of employer payroll paid dates and benefit payments and refunds are recognized when due and payable in accordance with the benefit terms. Investments are reported at fair value. The General Fund or applicable enterprise fund will be used to liquidate this liability. The PERA has a special funding situation created by a direct aid contribution made by the state of Minnesota. The direct aid is a result of the merger of the Minneapolis Employees Retirement Fund into the PERA on January 1, 2015. Q. Deferred Inflows of Resources In addition to liabilities, the statement of net position and/or balance sheet will sometimes report a separate section for deferred inflows of resources. This separate financial statement element represents an acquisition of net position that applies to future periods and so will not be recognized as an inflow of resources (revenue) until that time. The city has three types of items that qualify for reporting in this category. First, deferred pension resources, which arises under a full-accrual basis of accounting, is reported only in the statement of net position. These amounts are the result of actuarial calculations involving net differences between expected and actual economic experience, changes in actuarial assumptions, net differences between projected and actuarial earnings, and changes in proportion and are deferred and recognized as an inflow of resources in accordance with actuarial calculations. Second, deferred MSA state aid is reported. This amount is the result of an advance of state aid allocated to future periods. Third, unavailable revenue, which arises under the modified accrual basis of accounting, is reported in the governmental funds balance sheet. Governmental funds report unavailable revenue from four sources: property taxes, special assessments, notes receivable, and MSA state aid and grants. These amounts are deferred and recognized as an inflow of resources in the period the amounts become available or are allocated to the city. R. Net Position In the government-wide and proprietary fund financial statements, net position represents the difference between assets and deferred outflows of resources, and liabilities and deferred inflows of resources. Net position is displayed in three components:  Net investment in capital assets – Consists of capital assets, net of accumulated depreciation, reduced by any outstanding debt attributable to acquire capital assets.  Restricted net position – Consists of net position restricted when there are limitations imposed on their use through external restrictions imposed by creditors, grantors, or laws or regulations of other governments.  Unrestricted net position – All other net position that does not meet the definition of “net investment in capital assets” or “restricted.” S. Fund Balance Classifications In the fund financial statements, governmental funds report fund balance in classifications that disclose constraints for which amounts in those funds can be spent. These classifications are as follows:  Nonspendable – Consists of amounts that are not in spendable form, such as prepaid items, inventory, and other long-term assets.  Restricted – Consists of amounts related to externally imposed constraints established by creditors, grantors, or contributors; or constraints imposed by state statutory provisions.  Committed – Consists of internally imposed constraints that are established by resolution by the city council, which is the city’s highest level of decision-making authority. Those committed amounts cannot be used for any other purpose unless the city council modifies or rescinds the commitment by resolution.  Assigned – Consists of internally imposed constraints. These constraints consist of amounts intended to be used by the city for specific purposes but do not meet the criteria to be classified as 37 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO restricted or committed. In governmental funds, assigned amounts represent intended uses established by the governing body itself or by an official to which the governing body delegates the authority. Pursuant to city council resolution, the council, city administrator, or finance director are authorized to establish assignments of fund balance.  Unassigned – The residual classification for the General Fund which also reflects negative residual amounts in other funds. When both restricted and unrestricted resources are available for use, it is the city’s policy to first use restricted resources, then use unrestricted resources as they are needed. When committed, assigned, or unassigned resources are available for use, it is the city’s policy to use resources in the following order: 1) committed, 2) assigned, and 3) unassigned. T. Budget Budgets for the General Fund and all special revenue funds are adopted on a basis consistent with accounting principles generally accepted in the United States of America. Reported budget amounts are as originally adopted or as amended by city council-approved supplemental appropriations and budget transfers. No supplemental budget amendments were adopted during the year. Budget appropriations lapse at year-end. The legal level of budgetary control is at the department level in the General Fund and at the fund level in the major special revenue funds. U. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses/expenditures during the reporting period. Actual results could differ from those estimates. V. Future Applicable Changes in Accounting Standards In November 2016 GASB issued Statement No. 83, Certain Asset Retirement Obligations. This Statement addresses accounting and financial reporting for certain asset retirement obligations (AROs). An ARO is a legally enforceable liability associated with the retirement of a tangible capital asset. A government that has legal obligations to perform future asset retirement activities related to its tangible capital assets should recognize a liability based on the guidance in this Statement. This Statement establishes criteria for determining the timing and pattern of recognition of a liability and a corresponding deferred outflow of resources for AROs and requires that recognition occur when the liability is both incurred and reasonably estimable. The determination of when the liability is incurred should be based on the occurrence of external laws, regulations, contracts, or court judgments, together with the occurrence of an internal event that obligates a government to perform asset retirement activities. Laws and regulations may require governments to take specific actions to retire certain tangible capital assets at the end of the useful lives of those capital assets, such as decommissioning nuclear reactors and dismantling and removing sewage treatment plants. Other obligations to retire tangible capital assets may arise from contracts or court judgments. Internal obligating events include the occurrence of contamination, placing into operation a tangible capital asset that is required to be retired, abandoning a tangible capital asset before it is placed into operation, or acquiring a tangible capital asset that has an existing ARO. This statement is effective for the city’s fiscal year ending December 31, 2019. In June 2017, GASB issued Statement No. 87, Leases. This Statement increases the usefulness of governments’ financial statements by requiring recognition of certain lease assets and liabilities for leases that previously were classified as operating leases and recognized as inflows of resources or outflows of resources based on the payment provisions of the contract. It establishes a single model for lease accounting based on the foundational principle that leases are financings of the right to use an underlying asset. Under this Statement, a lessee is required to recognize a lease liability and an intangible right-to-use lease asset, and a lessor is required to recognize a lease receivable and a deferred inflow of resources, thereby enhancing the relevance and consistency of information about governments’ leasing activities. This statement is effective for the city’s fiscal year ending December 31, 2020. In April 2018, GASB issued Statement No. 88, Certain Disclosures Related to Debt, Including Direct Borrowings and Direct Placements. This Statement defines debt for purposes of disclosure in notes to financial statements as a liability that arises from a contractual obligation to pay cash (or other assets that may be used in lieu of cash) in one or more payments to settle an amount that is fixed at the date the contractual obligation is established. This Statement requires that additional essential information related to debt be disclosed in notes to financial statements, including unused lines of credit; assets pledged as collateral for the debt; and terms specified in debt agreements related to significant events of default with finance-related consequences, significant termination events with finance-related consequences, and significant subjective acceleration clauses. This statement is effective for the city’s fiscal year ending December 31, 2019. 38 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO In June 2018, GASB issued Statement No. 89, Accounting for Interest Costs Incurred Before the End of a Construction Period. This Statement establishes accounting requirements for interest cost incurred before the end of a construction period. Such interest cost includes all interest that previously was accounted for in accordance with the requirements of paragraphs 5–22 of Statement No. 62, Codification of Accounting and Financial Reporting Guidance Contained in Pre-November 30, 1989 FASB and AICPA Pronouncements, which are superseded by this Statement. This Statement requires that interest cost incurred before the end of a construction period be recognized as an expense in the period in which the cost is incurred for financial statements prepared using the economic resources measurement focus. As a result, interest cost incurred before the end of a construction period will not be included in the historical cost of a capital asset reported in a business-type activity or enterprise fund. This Statement also reiterates that in financial statements prepared using the current financial resources measurement focus, interest cost incurred before the end of a construction period should be recognized as an expenditure on a basis consistent with governmental fund accounting principles. This statement is effective for the city’s fiscal year ending December 31, 2020. In August 2018, GASB issued Statement No. 90, Majority Equity Interest – an Amendment of GASB Statements No. 14 and No. 61. This statement defines a majority equity interest and specifies that a majority equity interest in a legally separate organization should be reported as an investment if a government’s holding of the equity interest meets the definition of an investment. A majority equity interest that meets the definition of an investment should be measured using the equity method, unless it is held by a special-purpose government engaged only in fiduciary activities, a fiduciary fund, or an endowment (including permanent and term endowments) or permanent fund. Those governments and funds should measure the majority equity interest at fair value. For all other holdings of a majority equity interest in a legally separate organization, a government should report the legally separate organization as a component unit, and the government or fund that holds the equity interest should report an asset related to the majority equity interest using the equity method. This Statement establishes that ownership of a majority equity interest in a legally separate organization results in the government being financially accountable for the legally separate organization and, therefore, the government should report that organization as a component unit. This Statement also requires that a component unit in which a government has a 100 percent equity interest account for its assets, deferred outflows of resources, liabilities, and deferred inflows of resources at acquisition value at the date the government acquired a 100 percent equity interest in the component unit. Transactions presented in statements of the component unit in that circumstance should include only transactions that occurred subsequent to the acquisition. This statement is effective for the city’s fiscal year ending December 31, 2019. NOTE 2. CASH, CASH EQUIVALENTS, AND INVESTMENTS A. Components of Cash and Investments Cash and investments at year-end consist of the following: Deposits 12,956,548$ Investments 30,507,281 Cash on hand 8,165 Total cash and investments – Statement of Net Position 43,471,994$ B. Deposits In accordance with applicable Minnesota Statutes, the city maintains deposits at depository banks authorized by the city council, including checking accounts and non-negotiable certificates of deposit. The following is considered the most significant risk associated with deposits. Custodial Credit Risk – In the case of deposits, this is the risk that in the event of a bank failure, the city’s deposits may be lost. Minnesota Statutes require that all deposits be protected by federal deposit insurance, corporate surety bond, or collateral. The fair value of collateral pledged must equal 110% of the deposits not covered by federal deposit insurance or corporate surety bonds. Authorized collateral includes treasury bills, notes, and bonds; issues of U.S. government agencies; general obligations rated “A” or better; revenue obligations rated “AA” or better; irrevocable standard letters of credit issued by the Federal Home Loan Bank; and certificates of deposit. Minnesota Statutes require that securities pledged as collateral be held in safekeeping in a restricted account at the Federal Reserve Bank or in an account at a trust department of a commercial bank or other financial institution that is not owned or controlled by the financial institution furnishing the collateral. The city’s investment policy does not provide further requirements regarding custodial credit risk. At year-end, the carrying amount of the city’s deposits was $12,956,548 while the balance on bank records was $13,698,219. All deposits were covered by federal depository insurance, surety bonds, or by collateral held by the city’s agent in the city’s name. 39 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO C. Investments Custodial Credit Risk – For investments, this is the risk that in the event of a failure of the counterparty to an investment transaction (typically a broker-dealer) the city would not be able to recover the value of its investments or collateral securities that are in the possession of an outside party. The city’s investment policy does not provide additional requirements beyond state statutes, but the city typically limits its exposure by purchasing insured or registered investments, or by the control of who holds the securities. Credit Risk – This is the risk that an issuer or other counterparty to an investment will not fulfill its obligations. Minnesota Statutes limit the city’s investments to direct obligations or obligations guaranteed by the United States or its agencies; shares of investment companies registered under the Federal Investment Company Act of 1940 that receive the highest credit rating, are rated in one of the two highest rating categories by a statistical rating agency, and all of the investments have a final maturity of 13 months or less; general obligations rated “A” or better; revenue obligations rated “AA” or better; general obligations of the Minnesota Housing Finance Agency rated “A” or better; bankers’ acceptances of United States banks eligible for purchase by the Federal Reserve System; commercial paper issued by United States corporations or their Canadian subsidiaries, rated of the highest quality category by at least two nationally recognized rating agencies, and maturing in 270 days or less; Guaranteed Investment Contracts guaranteed by a United States commercial bank, domestic branch of a foreign bank, or a United States insurance company, and with a credit quality in one of the top two highest categories; repurchase or reverse purchase agreements and securities lending agreements with financial institutions qualified as a “depository” by the government entity, with banks that are members of the Federal Reserve System with capitalization exceeding $10,000,000; that are a primary reporting dealer in U.S. government securities to the Federal Reserve Bank of New York; or certain Minnesota securities broker-dealers. The city’s investment policy does not further address credit risk. Concentration Risk – This is the risk associated with investing a significant portion of the city’s investment (5% or more) in the securities of a single issuer, excluding U.S. guaranteed investments (such as treasuries), investment pools, and mutual funds. The city’s investment policy requires that no more than 5% of the overall portfolio may be invested in the securities of a single issuer, except for the securities of the U.S. government and in agencies or an external investment pool. More than 5% of the city’s total investments are invested with the Federal Home Loan Bank. These investments are 6.2% of the city’s total investments. Interest Rate Risk – This is the risk of potential variability in the fair value of fixed rate investments resulting from changes in interest rates (the longer the period for which an interest rate is fixed, the greater the risk). The city’s investment policy does not further address the duration of investments. The Minnesota Municipal Money Market Fund (4M Fund) is a common-law trust organized in accordance with the Minnesota Joint Powers Act, which invests only in investment instruments allowable under Minnesota Statutes. It is an external investment pool regulated by Minnesota statutes and the Board of Directors of the League of Minnesota Cities. The 4M Fund is not registered with the Securities Exchange Commission (SEC), but it follows the same regulatory rules of the SEC. The fair value of the city’s position in the pool is the same as the value of the pool shares. The 4M Fund does not have any restrictions on participant withdrawals. The city’s investment in the 4M Fund is measured at the net asset value per share provided by the pool, which is based on an amortized cost method that approximates fair value. The city’s cash management and investment policy complies with all statutory requirements. D. Cash on hand Cash on hand consists of cash in the possession of the city, including petty cash and change funds. 40 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO The following schedule provides information on credit and interest rate risks by investment type for the city’s investments at December 31, 2018: Fair Value Measurements Less More Percent of Rating Agency Using Than 1 1 to 5 5 to 10 Than 10 Total Holdings U.S. agency securities Federal Farm Credit Bank AA+ S&P Level 2 209,897$ -$ 441,476$ -$ 651,373$ 2.1% Federal Agriculture Mortgage Corporation N/R N/A Level 2 - - - 722,037 722,037 2.4% Federal Home Loan Bank AA+ S&P Level 2 298,320 771,454 - 827,006 1,896,780 6.2% Federal Home Loan Mortgage Corporation AA+ S&P Level 2 - 498,130 - - 498,130 1.6% Federal National Mortgage Association AA+ S&P Level 2 198,856 - 197,490 - 396,346 1.3% Negotiable certificates of deposit N/R N/A Level 2 3,699,317 6,108,805 681,832 - 10,489,954 34.4% Local government securities AAA S&P Level 2 - 136,591 - 1,922,316 2,058,907 6.7% Local government securities Aaa Moody’s Level 2 - - - 1,771,757 1,771,757 5.8% Local government securities Aa Moody’s Level 2 - - 141,077 781,868 922,945 3.0% Local government securities A Moody’s Level 2 - 466,949 - - 466,949 1.5% Investment pools and mutual funds N/R N/A Amortized Cost 10,086,214 - - - 10,086,214 33.1% Investment pools and mutual funds AAA S&P Amortized Cost 545,889 - - - 545,889 1.8% Total investments 15,038,493$ 7,981,929$ 1,461,875$ 6,024,984$ 30,507,281$ 100.0% N/R – Not Rated N/A – Not Applicable Credit Risk Interest Risk - Maturity Duration in Years Investment Type 41 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO NOTE 3. CAPITAL ASSETS Capital asset activities for the year end December 31, 2018 are as follows: January 1, Transfers and December 31, Beginning Completed Ending Internal Service Governmental Internal Service Governmental Balance Additions Deletions Construction Balance Fund Assets Funds Total Fund Additions Fund Additions Governmental activities Nondepreciable capital assets: Land 10,610,630$ 297,420$ -$ -$ 10,908,050$ -$ 10,908,050$ -$ 297,420$ Construction in progress 2,458,275 9,256,677 - (2,051,841) 9,663,111 - 9,663,111 - 7,204,836 Total capital assets, not depreciated 13,068,905 9,554,097 - (2,051,841) 20,571,161 - 20,571,161 - 7,502,256 Depreciable capital assets: Buildings and systems 100,225,314 323,131 - 2,051,841 102,600,286 - 102,600,286 - 2,374,972 Machinery and equipment 5,951,126 212,681 (41,350) - 6,122,457 1,700,260 4,422,197 186,555 26,126 Total capital assets, depreciated 106,176,440 535,812 (41,350) 2,051,841 108,722,743 1,700,260 107,022,483 186,555 2,401,098 Less accumulated depreciation for: Buildings and systems (53,125,908) (3,925,468) - - (57,051,376) - (57,051,376) - (3,925,468) Machinery and equipment (4,154,657) (270,461) 41,350 - (4,383,768) (492,892) (3,890,876) (171,636) (98,825) Total accumulated depreciation (57,280,565) (4,195,929) 41,350 - (61,435,144) (492,892) (60,942,252) (171,636) (4,024,293) Net capital assets, depreciated 48,895,875 (3,660,117) - 2,051,841 47,287,599 1,207,368 46,080,231 14,919 (1,623,195) Total governmental activities 61,964,780$ 5,893,980$ -$ -$ 67,858,760$ 1,207,368$ 66,651,392$ 14,919$ 5,879,061$ Business-type activities Nondepreciable capital assets: Land 1,197,945$ -$ (467,250)$ -$ 730,695$ Construction in progress 160,000 - - (160,000) - Total capital assets, not depreciated 1,357,945 - (467,250) (160,000) 730,695 Depreciable capital assets: Buildings and systems 84,014,822 1,121,577 (41,140) 160,000 85,255,259 Machinery and equipment 2,971,727 516,390 - - 3,488,117 Total capital assets, depreciated 86,986,549 1,637,967 (41,140) 160,000 88,743,376 Less accumulated depreciation for: Buildings and systems (42,337,730) (2,010,506) 28,286 - (44,319,950) Machinery and equipment (1,760,070) (124,330) - - (1,884,400) Total accumulated depreciation (44,097,800) (2,134,836) 28,286 - (46,204,350) Net capital assets, depreciated 42,888,749 (496,869) (12,854) 160,000 42,539,026 Total business-type activities 44,246,694$ (496,869)$ (480,104)$ -$ 43,269,721$ 42 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO Depreciation for the year ended December 31, 2018 was charged to functions/programs as follows: Governmental activities General government 38,333$ Public safety 59,422 Public works 3,383,343 Recreation and culture 543,195 Capital assets held by the City’s internal service funds – charged to the various functions based on usage of assets 171,636 Total depreciation expense – governmental activities 4,195,929$ Business-type activities Water 519,200$ Sewage 1,183,540 Liquor 28,893 Fiber Optics 398,798 Deputy Registrar 4,405 Total depreciation expense – business-type activities 2,134,836$ NOTE 4. COMMITMENTS During fiscal 2018, the city awarded contracts for various construction and remodeling projects. The city’s commitments for uncompleted work on these contracts at December 31, 2018 are approximately as follows: Amount Contract Paid Remaining Project Description Amount To-Date 12/31/2018 Community HVAC Upgrades 303,870$ 86,603$ 217,267$ Center Capital projects Fallon Avenue Overpass 5,934,767 5,452,790 481,977 Capital projects Chelsea Rd Street & Utility Improvements 2,365,246 2,078,013 287,233 Nonmajor governmental Street Lighting Updates 196,980 188,140 8,840 8,800,863$ 7,805,546$ 995,317$ Fund NOTE 5. LONG-TERM LIABILITIES A. Description The city has the following types of long-term liabilities outstanding at December 31, 2018:  General Obligation Bonds – The one general obligation bond issue financed a settlement with telecommunication revenue bondholders and capital equipment purchases in the Central Equipment Fund.  General Obligation Certificates of Indebtedness – The city issued general obligation certificates of indebtedness to provide financing for capital equipment. Debt service is covered by general property taxes. General obligation certificates of indebtedness are direct obligations that pledge the full faith and credit of the city.  Special Assessment Bonds – These bonds are payable primarily from special assessments levied on the properties benefiting from the improvements funded by these issues. Any deficiencies in revenue to fund these issues will be provided from general property taxes.  Tax Abatement Bonds – The principal balances on these bonds are payable primarily from a special tax abatement levy, and interest is paid from general property taxes.  General Obligation Revenue Bonds – The outstanding general obligation revenue bond financed improvements to the city’s sewer system. They will be repaid from revenues pledged and are backed by the taxing power of the city. Net operating revenues were $2,581,833 and principal and interest payments were $244,798 for a percentage of revenues of 9.48%.  PFA Loan – This loan was issued for improvements to the wastewater treatment plant and is payable primarily from user fees which benefit from the improvements.  Compensated Absences – The city provides vacation and sick or paid-time-off (PTO) leave benefits to eligible employees. The liability will be repaid by the Benefit Accrual fund or respective enterprise fund for which each employee is employed.  Total OPEB Liability – The city provides post-employment benefits to certain eligible employees through the city’s OPEB Plan. The liability will be repaid based on a pay-as-you-go financing requirement from the General fund or applicable enterprise fund.  Net Pension Liability –City employees participate in one state-wide, multiple-employer, defined benefit pension plan administered by the Public Employees Retirement Association (PERA) per Minnesota state statute. The liability reflects the city’s portion of the total net pension liability of the PERA plan based on a percentage of contributions into the plan. Volunteer fire fighters participate in a single-employer defined benefit plan administered by the Monticello Fire Relief Association (FRA). The liability will be repaid by the General fund or applicable enterprise fund. 43 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO Long-term liabilities at year-end are summarized as follows: Final Original Interest Maturity Balance – Issue Rate % Issue Date Date End of Year Governmental activities General obligation bonds 2014A General obligation bonds: judgment portion 6,080,000$ 1.00 - 3.50 % 12/18/2014 12/15/2030 5,025,000$ equipment portion 515,000 1.00 - 3.05 12/18/2014 12/15/2024 350,000 Other general obligation debt 2013A Certificate of indebtedness 500,000 0.35 - 2.10 04/26/2013 12/01/2020 135,000 Special assessments bonds 2010A General obligation refunding and improvement bonds 3,255,000 0.40 - 2.70 09/14/2010 02/01/2021 870,000 2011A General obligation refunding bonds 10,735,000 2.00 - 3.00 10/19/2011 02/01/2023 1,995,000 2015B General obligation bonds 2,605,000 1.50 - 3.00 11/05/2015 12/15/2030 2,150,000 2016A General obligation bonds 4,900,000 2.00 - 3.00 11/21/2016 12/15/2030 4,050,000 2017A General obligation bonds 2,040,000 2.00 - 2.50 10/24/2017 12/15/2027 1,860,000 Tax abatement bonds 2017A General obligation bonds 2,960,000 2.00 - 3.00 10/24/2017 12/15/2032 2,800,000 2018A General obligation bonds 5,000,000 3.00 - 3.38 10/23/2018 12/15/2032 5,000,000 Net premiums (discounts) on bonds 105,777 Compensated absences payable 275,276 Total OPEB liability 220,074 Net pension liability - PERA 2,257,870 Net pension liability - FRA 85,641 Total governmental activities 27,179,638$ Business-type activities General obligation revenue bonds 2013B Wastewater treatment bonds 3,000,000 2.00 - 3.35 12/05/2013 12/01/2028 2,095,000$ Public Facility Authority loan (2015A) 2,391,483 1.06 09/23/2015 08/20/2035 1,903,000 Net premiums (discounts) on bonds 21,510 Compensated absences payable 88,625 Total OPEB liability 89,889 Net pension liability 793,305 Total business-type activities 4,991,329$ B. Changes in Long-Term Liabilities January 1, 2018 December 31, Due Within as restated (1) Additions Retirements 2018 One Year Governmental activities General obligation bonds 5,785,000$ -$ (410,000)$ 5,375,000$ 415,000$ Certificates of indebtedness 200,000 - (65,000) 135,000 65,000 Special assessment bonds 12,695,000 - (1,770,000) 10,925,000 2,045,000 Tax abatement bonds 2,960,000 5,000,000 (160,000) 7,800,000 450,000 Add premiums on bonds 144,665 40,882 (66,041) 119,506 - Less discounts on bonds (16,329) - 2,600 (13,729) - Compensated absences 249,377 262,540 (236,641) 275,276 155,977 Total OPEB liability 200,039 24,251 (4,216) 220,074 - Net pension liability - PERA 2,593,537 212,149 (547,816) 2,257,870 - Net pension liability - FRA (131,561) 289,997 (72,795) 85,641 - Total governmental activities 24,679,728$ 5,829,819$ (3,329,909)$ 27,179,638$ 3,130,977$ Business-type activities General obligation revenue bonds 2,280,000$ -$ (185,000)$ 2,095,000$ 185,000$ PFA loans 1,998,402 6,747 (102,149) 1,903,000 103,000 Add premiums on bonds 23,495 - (1,985) 21,510 - Compensated absences 95,722 77,641 (84,738) 88,625 50,219 Total OPEB liability 81,706 9,905 (1,722) 89,889 - Net pension liability - PERA 911,243 74,538 (192,476) 793,305 - Total business-type activities 5,390,568$ 168,831$ (568,070)$ 4,991,329$ 338,219$ (1) See Note 14. 44 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO C. Minimum Debt Payments Minimum annual principal and interest payments to maturity for bonds payable are as follows: Year Ending December 31,Principal Interest Principal Interest Principal Interest Principal Interest Principal Interest Principal Interest 2019 415,000$ 160,609$ 65,000$ 2,673$ 2,045,000$ 234,828$ 450,000$ 242,530$ 185,000$ 56,098$ 103,000$ 20,229$ 2020 420,000 152,931 70,000 1,470 1,195,000 201,275 480,000 208,653 190,000 52,398 104,000 19,134 2021 435,000 143,691 - - 1,220,000 176,150 490,000 196,003 195,000 48,598 105,000 18,028 2022 445,000 132,816 - - 1,245,000 147,575 505,000 183,103 200,000 44,405 106,000 16,912 2023 455,000 120,579 - - 1,275,000 118,425 515,000 169,803 205,000 39,705 107,000 15,786 2024 - 2028 2,230,000 395,594 - - 3,410,000 287,350 2,805,000 633,988 1,120,000 108,565 553,000 61,622 2029 - 2033 975,000 51,690 - - 535,000 24,300 2,555,000 204,528 - - 583,000 31,592 2034 - 2035 - - - - - - - - - - 242,000 3,869 5,375,000$ 1,157,910$ 135,000$ 4,143$ 10,925,000$ 1,189,903$ 7,800,000$ 1,838,605$ 2,095,000$ 349,769$ 1,903,000$ 187,173$ Business-Type Activities PFA Loan Governmental Activities General Obligation Bonds General Obligation General Obligation Bonds Certificate of Indebtedness Tax Abatement Bonds Special Assessment Bonds D. Conduit Debt The city has issued Senior Housing Refunding Revenue Bonds to provide financial assistance to private sector entities for the acquisition and construction of senior housing facilities deemed to be in the public interest. The bonds are secured by the property financed and are payable solely from payments received on the underlying mortgage loans. Upon repayment of the bonds, ownership of the acquired facilities transfers to the private sector entity served by the bond issuance. The city is not obligated in any manner for repayment of the bonds. Accordingly, the bonds are not reported as liabilities in the accompanying financial statements. As of December 31, 2018, there was one series of Senior Housing Refunding Revenue Bonds and two series of Educational Facilities Revenue Notes outstanding. The original issue of the Senior Housing Refunding Revenue Bonds totaled $3,000,000 with an interest rate of 4.75%. The original issues of the Educational Facilities Revenue Notes totaled $2,225,000 with an interest rate of 3.75%. These balances have reduced through annual payments and partial call prepayments. The outstanding balance as of December 31, 2018 is undetermined. E. Pay-As-You-Go Tax Increment Notes The city, in order to spur economic development and redevelopment, has entered into private development and redevelopment agreements to encourage developers to construct, expand, or improve new or existing properties and buildings or clean-up and redevelop blighted areas. These agreements may in substance be a tax abatement but will depend on their individual circumstances. F. Abatements The city currently has three agreements that would be considered tax abatements under GASB Statement 77: Name Purpose 1-20 Prairie West 22 twinhome and 8 fourplex Townhouse housing units 1-22 Downtown District Redevelopment activities in 1997 Downtown and 2010 Embracing Downtown plans 1-29 Front Porch Assoc 27 townhouse housing units; owner-occupied 20,915$ 147,350$ 12/31/2029 44,920$ 684,816$ 12/31/2024 Amount of taxes abated during the fiscal year Outstanding principal balance at year end Date of required decertification 4,491$ -$ 12/31/2024 45 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO The city is authorized to create a tax increment financing plan under Minnesota Statute 469.175. The criteria that must be met under the statute are that, in the opinion of the municipality:  the proposed development or redevelopment would not reasonably be expected to occur solely through private investment within the reasonably foreseeable future; and  the increased market value of the site that could reasonably be expected to occur without the use of tax increment financing would be less than the increase in the market value estimated to result from the proposed development after subtracting the present value of the projected tax increments for the maximum duration of the district permitted by the plan. The requirements of this item do not apply if the district is a housing district;  that the tax increment financing plan conforms to the general plan for the development or redevelopment of the municipality as a whole; and  that the tax increment financing plan will afford maximum opportunity, consistent with the sound needs of the municipality as a whole, for the development or redevelopment of the project by private enterprise. The city has development agreements with private developers for properties in the city’s tax increment districts. As part of the agreements, the city has agreed to reimburse the developers for certain costs through pay-as-you-go tax increment notes. These notes provide for the payment of principal equal to the developers’ costs, plus interest at rates ranging from 5.0% to 8.5% (interest accrual commencing upon the developer completing the project). Payments of the notes will be made at the lesser of the scheduled note payments or the actual net tax increment received during the period specified in the agreement. The notes, classified as abatements, will be canceled at the end of the agreement term, whether it has been fully repaid or not. The outstanding principal balances as of December 31, 2018 are listed in the previous table. These notes are not included in the city’s long-term debt, because repayment is required only to the extent sufficient tax increments are received. The city’s position is that this is an obligation to assign future and uncertain revenue sources and is not actual debt in substance. G. Arbitrage Rebate In accordance with the provisions of Section 148(f) of the Internal Revenue Code of 1986, as amended, bonds must satisfy certain arbitrage rebate requirements. Positive arbitrage is the excess of (1) the amount earned on investments purchased with bond proceeds over (2) the amount that such investments would have earned had such investments been invested at a rate equal to the yield on the bond issue. In order to comply with the arbitrage rebates requirements, positive arbitrage must be paid to the U.S. treasury at the end of each five-year anniversary date of the bond issue. As of December 31, 2018, there are no arbitrage rebates owed. H. Revenue Pledged Future revenue pledged for the payment of long-term debt is as follows: 2013B G.O. Wastewater Treatment Bonds PFA Loan Use of proceeds Sewage Fund Sewage Fund Revenue pledged Type Utility charges Utility charges Percent of total debt service 54% 46% Term of pledge 2013-2028 2015-2035 Remaining principal & interest 2,444,769$ 2,090,173$ Current year Principal and interest paid 244,798$ 123,053$ Pledged revenue received 1,394,190$ 1,187,643$ Description NOTE 6. DEFINED BENEFIT PENSION PLANS – STATE-WIDE A. Plan Description The city participates in the General Employees Retirement Fund (GERF) cost- sharing multiple-employer defined benefit pension plan administered by the Public Employees Retirement Association of Minnesota (PERA). PERA’s defined benefit pension plans are established and administered in accordance with Minnesota Statutes, Chapters 353 and 356. PERA’s defined benefit pension plans are tax qualified plans under Section 401 (a) of the Internal Revenue Code. General Employees Retirement Fund (General Employees Plan) All full-time and certain part-time employees of the city are covered by the General Employees Plan. General Employees Plan members belong to the Coordinated Plan. Coordinated Plan members are covered by Social Security. 46 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO B. Benefits Provided PERA provides retirement, disability, and death benefits. Benefit provisions are established by state statute and can only be modified by the state legislature. Vested, terminated employees who are entitled to benefits but are not receiving them yet are bound by the provisions in effect at the time they last terminated their public service. General Employees Plan Benefits Benefits are based on a member’s highest average salary for any five successive years of allowable service, age, and years of credit at termination of service. Two methods are used to compute benefits for PERA’s Coordinated Plan members. Members hired prior to July 1, 1989, receive the higher of Method 1 or Method 2 formulas. Only Method 2 is used for members hired after June 30, 1989. Under Method 1, the accrual rate for Coordinated members is 1.2% of average salary for each of the first 10 years of service and 1.7% of average salary for each additional year. Under Method 2, the accrual rate for Coordinated members is 1.7% of average salary for all years of service. For members hired prior to July 1, 1989, a full annuity is available when age plus years of service equal 90 and normal retirement age is 65. For members hired on or after July 1, 1989, normal retirement age is the age for unreduced Social Security benefits capped at 66. Benefit increases are provided to benefit recipients each January. Increases are related to the funding ratio of the plan. If the General Employees Plan is at least 90% funded for two consecutive years, benefit recipients are given a 2.5% increase. If the plan has not exceeded 90% funded, or have fallen below 80%, benefit recipients are given a one percent increase. A benefit recipient who has been receiving a benefit for at least 12 full months as of June 30, will receive a full increase. Members receiving benefits for at least one month but less than 12 full months as of June 30, will receive a pro rata increase. C. Contributions Minnesota Statutes Chapter 353 sets the rates for employer and employee contributions. Contribution rates can only be modified by the state legislature. General Employees Fund Contributions Coordinated Plan members were required to contribute 6.50%, of their annual covered salary in fiscal year 2018, and the city was required to contribute 7.50% for Coordinated Plan members. The city’s contributions to the General Employees Fund for the year ended December 31, 2018, were $287,700. The city’s contributions were equal to the required contributions as set by state statute. D. Pension Costs General Employees Fund Pension Costs At December 31, 2018, the city reported a liability of $3,051,175 for its proportionate share of the General Employees Fund’s net pension liability. The city’s net pension liability reflected a reduction due to the State of Minnesota’s contribution of $16 million to the fund in 2018. The State of Minnesota is considered a non-employer contributing entity and the state’s contribution meets the definition of a special funding situation. The State of Minnesota’s proportionate share of the net pension liability associated with the city totaled $100,077. The net pension liability was measured as of June 30, 2018, and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The city’s proportion of the net pension liability was based on the city’s contributions received by PERA during the measurement period for employer payroll paid dates from July 1, 2017, through June 30, 2018, relative to the total employer contributions received from all of PERA’s participating employers. At June 30, 2018, the city’s proportionate share was 0.0550% which was an increase of 0.0001% from its proportion measured as of June 30, 2017. For the year ended December 31, 2018, the city recognized pension expense of $44,577 for its proportionate share of the General Employees Fund’s pension expense. In addition, the city recognized an additional $23,338 as pension expense (and grant revenue) for its proportionate share of the State of Minnesota’s contribution of $16 million to the General Employees Fund. At December 31, 2018, the city reported its proportionate share of the General Employees Plan’s deferred outflows of resources and deferred inflows of resources related to pensions from the following sources: Deferred Outflows Deferred Inflows of Resources of Resources Differences between expected and actual economic experience 80,620$ 95,138$ Changes in actuarial assumptions 311,601 342,406 Difference between projected and actual investment earnings - 285,244 Changes in proportion 17,744 158,331 Contributions paid to PERA subsequent to the measurement date 145,637 - Total 555,602$ 881,119$ 47 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO $145,637 reported as deferred outflows of resources related to pensions resulting from the city’s contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ended December 31, 2019. Amounts reported as deferred outflows and inflows of resources related to pensions, including the contributions subsequent to the measurement date, will be recognized in pension expense as follows: Pension Year ended Expense December 31, Amount 2019 214,914$ 2020 (231,036) 2021 (245,710) 2022 (63,685) (325,517)$ E. Actuarial Assumptions The total pension liability in the June 30, 2018 actuarial valuation was determined using an individual entry-age normal actuarial cost method and the following actuarial assumptions: Inflation 2.50% per year Active Member Payroll Growth 3.25% per year Investment Rate of Return 7.50% Salary increases were based on a service-related table. Mortality rates for active members, retirees, survivors, and disabilitants for all plans were based on RP 2014 tables for males or females, as appropriate, with slight adjustments to fit PERA’s experience. Cost of living benefit increases after retirement for retirees are assumed to be 1.25% per year for the General Employees Plan. Actuarial assumptions used in the June 30, 2018 valuation were based on the results of actuarial experience studies. The most recent six-year experience study in the General Employees Plan was completed in 2015. The following changes in actuarial assumptions occurred in the General Employees Plan in 2018:  The morality projection scale was changed from MP-2015 to MP-2017.  The assumed post-retirement benefit increase was changed from 1.0% per year through 2044 and 2.50% per year thereafter to 1.25% per year. The State Board of Investment, which manages the investments of PERA, prepares an analysis of the reasonableness on a regular basis of the long-term expected rate of return using a building-block method in which best-estimate ranges of expected future rates of return are developed for each major asset class. These ranges are combined to produce an expected long-term rate of return by weighting the expected future rates of return by the target asset allocation percentages. The target allocation and best estimates of geometric real rates of return for each major asset class are summarized in the following table: Long-Term Target Expected Real Allocation Rate of Return Domestic Stocks 36% 5.10% International Stocks 17% 5.30% Bonds 20% 0.75% Alternative Assets 25% 5.90% Cash 2% 0.00% Total 100% Asset Class F. Discount Rate The discount rate used to measure the total pension liability in 2018 was 7.50%. The projection of cash flows used to determine the discount rate assumed that contributions from plan members and employers will be made at the rates set in Minnesota Statutes. Based on these assumptions, the fiduciary net position of the General Employees Fund was projected to be available to make all projected future benefit payments of current plan members. Therefore, the long-term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to determine the total pension liability. G. Pension Liability Sensitivity The following presents the city’s proportionate share of the net pension liability calculated using the discount rate disclosed in the preceding paragraph, as well as what the city’s proportionate share of the net pension liability would be if it were calculated using a discount rate 1 percentage point lower or 1 percentage point higher than the current discount rate: 48 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO 1% Decrease 1% Increase In Discount Discount In Discount Rate (6.50%) Rate (7.50%) Rate (8.50%) City's proportionate share of the GERF net pension liability 4,958,549$ 3,051,175$ 1,476,691$ H. Pension Plan Fiduciary Net Position Detailed information about the General Employees Fund pension plan’s fiduciary net position is available in a separately-issued PERA financial report that includes financial statements and required supplementary information. That report may be obtained on the Internet at www.mnpera.org. NOTE 7. PUBLIC EMPLOYEES DEFINED CONTRIBUTION PENSION PLANS – STATE-WIDE All council members of the city are covered by the Public Employees Defined Contribution Plan (PEDCP), a multiple-employer deferred compensation plan administered by PERA. However, only two of the five Council members choose to participate in the plan. The PEDCP is a tax qualified plan under Section 401(a) of the Internal Revenue Code and all contributions by or on behalf of employees are tax deferred until time of withdrawal. Plan benefits depend solely on amounts contributed to the plan plus investment earnings, less administrative expenses. Minnesota Statutes, Chapter 353D.03, specifies plan provisions, including the employee and employer contribution rates for those qualified personnel who elect to participate. An eligible elected official who decides to participate contributes 5% of salary which is matched by the elected official's employer. Employer and employee contributions are combined and used to purchase shares in one or more of the seven accounts of the Minnesota Supplemental Investment Fund. For administering the plan, PERA receives 2% of employer contributions and twenty-five hundredths of 1% (0.25%) of the assets in each member's account annually. Total contributions made by the city during fiscal year 2018 were: Required Employee Employer Employee Employer Rate 780$ 780$ 5.00% 5.00% 5.00% Contribution Amount % of Covered Payroll NOTE 8. DEFINED BENEFIT PENSION PLAN - MONTICELLO FIRE RELIEF ASSOCIATION A. Plan Description All members of the Monticello Fire Department (the Department) are covered by a defined benefit plan administered by the Monticello Fire Relief Association (the Association). As of December 31, 2018, the plan covered 27 active firefighters and 6 retirees and beneficiaries. The plan is a single-employer retirement plan that is established and administered in accordance with Minnesota statute, chapter 69. The Association maintains a separate Special fund to accumulate assets to fund the retirement benefits earned by the Department’s membership. Funding for the Association is derived from voluntary contributions from the city and 2% fire aid from the State of Minnesota, as well as from investment income. B. Benefits Provided Upon approval by the Board of Trustees, lump sum retirement benefits are either paid or deferred as follows: Each member who is at least 50 years of age, has retired from the fire department, has served at least 10 years of active service with such department before retirement and has been a member of the Association in good standing at least 10 years prior to such retirement, shall be entitled to a lump sum service pension in the amount of $4,200 for each year of service but not exceeding the maximum amount per year of service allowed by law for the minimum average amount of available financing per firefighter as prescribed by laws. A year of service may be prorated to twelve monthly slices, if a full year of active service is not reached. If a member of the Association shall become permanently and totally disabled, the Association shall pay the sum of $4,200 for each year the member was an active member of the Association. If a member who received a disability pension subsequently recovers and returns to active duty, the disability pension is deducted from the service pension as approved by the Board of Trustees. According to the bylaws of the Association and pursuant to Minnesota Statutes, members who retire with less than 20 years of service and have reached the age of 50 years and have completed at least 10 years of active membership are entitled to a reduced service pension not to exceed the amount calculated by multiplying the member’s service pension for the completed years of service times an applicable nonforfeitable percentage. 49 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO During the time a member is on deferred vested pension (not yet reached age 50), they will earn interest on the deferred benefit amount at a rate equal to the actual time weighted total rate of return as reported by the Minnesota State Auditor’s Office, up to five percent, compounded annually. A deferred vested member will not be eligible for disability benefits. C. Contributions Minnesota statutes, chapters 424 and 424A authorize pension benefits for volunteer fire relief associations. Contributions by the city are determined as follows:  Normal cost for next year (increase in pension benefit obligation)  Plus estimated expenses for next year and 10% of any deficits  Less anticipated income next year and 10%of any surplus The plan is funded by fire state aid, investment earnings and, if necessary, employer contributions as specified in Minnesota statutes and voluntary city contributions (if applicable). The State of Minnesota contributed $130,874 in fire state aid to the plan on behalf of the city Fire Department for the year ended December 31, 2018, which was recorded as a revenue. Required employer contributions are calculated annually based on statutory provisions. The city’s statutorily-required contributions to the plan for the year ended December 31, 2018 were $130,874. The city’s contributions were equal to the required contributions as set by state statute. The city made no voluntary contributions to the plan. Furthermore, the members have no obligation to contribute to the plan. D. Actuarial Assumptions The total pension liability at December 31, 2018 was determined using the entry age cost method and the following assumptions: Retirement eligibility at 100% service pension at age 50 and 20 years of service, early vested retirement at age 50 with 10 years of service vested at 60% and increased by 4% for each additional year of service up to 20 and eligibility for deferred service pension payable at age 50 and 20 years of service. Benefit increases 2.00% per year Cost of living increases 2.00% per year Investment rate of return 4.42% 20 year municipal bond yield 3.44% E. Pension Costs At December 31, 2018, the city reported a net pension liability of $85,641 for the FRA plan. The total pension liability used to calculate the net pension liability in accordance with GASB 68 was determined by Robinson Associates LLC applying an actuarial formula to specific census data certified by the fire department as of December 31, 2018. For the year ended December 31, 2018, the Fire Department recognized pension expense of $160,792. At December 31, 2018, the fire department reported deferred outflows/inflows of resources as follows: Deferred Deferred Outflows Inflows of Resources of Resources Differences between expected and actual economic experience 86,382$ 66,838$ Changes in actuarial assumptions - 9,031 Net difference between projected and actual investment earnings 52,196 - 138,578$ 75,869$ Amounts reported as deferred outflows and inflows of resources related to pensions will be recognized in pension expense as follows: Pension Year ended Expense December 31, Amount 2019 18,021$ 2020 5,811 2021 7,902 2022 22,798 2023 584 Thereafter 7,593 62,709$ No actuarial assumptions were updated in 2018. The benefit level was increased from $3,900 to $4,200 for each year the member was active in the Association. The 4.42% long-term expected rate of return on pension plan investments was determined using a building-block method in which best estimates for expected future real rates of return (expected returns, net of inflation) were developed for 50 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO each asset class using the plan’s target investment allocation along with long-term return expectations by asset class. Inflation expectations were applied to derive the nominal rate of return for the portfolio. The target allocation and best estimates of arithmetic real rates of return for each major asset class are summarized in the following table: Long-term Target Expected Real Allocation Rate of Return Cash 8.3% -0.85% Mutual funds 91.7% 3.64% 100.0% Asset Class F. Changes in the Net Pension Liability Total Plan Net Pension Pension Fiduciary Liability Liability (TPL) Net Position (Asset) (a) (b) (a-b) Beginning balance 12/31/17 1,154,458$ 1,286,019$ (131,561)$ Changes for the year Service cost 71,325 - 71,325 Interest on total pension liability 49,897 - 49,897 Change in TPL due to changes in benefit terms 74,540 - 74,540 Differences between actual and expected experience in measurement of TPL 94,235 - 94,235 Contributions from employer - 130,874 (130,874) Supplemental benefits reimbursed - 1,000 (1,000) Net investment income - (54,150) 54,150 Benefit payments (121,900) (121,900) - Administrative expenses - (4,929) 4,929 Ending balance 12/31/18 1,322,555$ 1,236,914$ 85,641$ G. Discount Rate The discount rate used to measure the total pension liability was 4.42%. The projection of cash flows used to determine the discount rate assumed that contributions to the FRA plan will be made as specified in statute. Based on that assumption and considering the funding ratio of the plan, the fiduciary net position was projected to be available to make all projected future benefit payments of current active and inactive members. Therefore, the long-term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to determine the total pension liability. H. Pension Asset Sensitivity The following presents the city’s net pension liability (asset) for the FRA plan, calculated using the discount rate disclosed in the preceding paragraph, as well as what the city’s net pension liability (asset) would be if it were calculated using a discount rate 1 percentage point lower or 1 percentage point higher than the current discount rate: 1% Decrease 1% Increase In Discount Discount In Discount Rate (3.42%) Rate (4.42%) Rate (5.42%) Net Pension Liability (Asset)143,236$ 85,641$ 39,147$ I. Pension Plan Fiduciary Net Position The Association issues a publicly available financial report that includes financial statements and required supplementary information. A copy of the report may be obtained at Monticello City Hall. J. Other Pension Information The following is a summary of the net pension assets and liabilities, deferred outflows and inflows of resources, and pension expense reported for the PERA and FRA pension plans as of the year ended December 31, 2018: Deferred Deferred Net Pension Outflows of Inflows of Pension Pension Plan Liability Resources Resources Expense State-wide, mulit- employer - PERA 3,051,175$ 555,602$ 881,119$ 67,915$ Single-employer - FRA 85,641 138,578 75,869 160,792 3,136,816$ 694,180$ 956,988$ 228,707$ 51 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO NOTE 9. OTHER POST-EMPLOYMENT BENEFITS (OPEB) PLAN A. Plan Description The city provides post-employment insurance benefits to certain eligible employees through its OPEB Plan, a single-employer defined benefit plan administered by the city. All post-employment benefits are based on contractual agreements with employee groups. Eligibility for these benefits is based on years of service and/or minimum age requirements. These contractual agreements do not include any specific contribution or funding requirements. The Retiree Health Plan does not issue a publicly available financial report. No plan assets are accumulated in a trust that meets the criteria in paragraph 4 of GASB Statement No. 75. B. Benefits Provided All retirees of the city upon retirement have the option under state law to continue their medical insurance coverage through the city. For members of certain employee groups, the city pays for all or part of the eligible retiree’s premiums for medical and/or dental insurance from the time of retirement until the employee reaches the age of eligibility for Medicare. Benefits paid by the city differ by bargaining unit and date of hire, with some contracts specifying a certain dollar amount per month, and some covering premium costs as defined within each collective bargaining agreement. Retirees not eligible for these city-paid premium benefits must pay the full city premium rate for their coverage. The city is legally required to include any retirees for whom it provides health insurance coverage in the same insurance pool as its active employees until the retiree reaches Medicare eligibility, whether the premiums are paid by the city or the retiree. Consequently, participating retirees are considered to receive a secondary benefit known as an “implicit rate subsidy.” This benefit relates to the assumption that the retiree is receiving a more favorable premium rate than they would otherwise be able to obtain if purchasing insurance on their own, due to being included in the same pool with the city’s younger and statistically healthier active employees. C. Contributions The required contribution is based on projected pay-as-you-go financing requirements, with additional amounts to prefund benefits as determined periodically by the city. The city’s current year required pay-as-you-go contributions to finance the benefits described in the previous section totaled $13,277. D. Membership Membership in the plan consisted of the following as of the latest actuarial valuation: Retirees and beneficiaries receiving benefits - Active plan members 51 Total members 51 E. Total OPEB Liability of the City The city’s total OPEB liability of $309,963 as of year-end was measured as of January 1, 2018, and was determined by an actuarial valuation as of that date. F. Actuarial Assumption The total OPEB liability was determined by an actuarial valuation as of January 1, 2018, using the following actuarial assumptions, applied to all periods included in the measurement, unless otherwise specified: Discount rate 3.30% 20-year municipal bond yield 3.30% Inflation rate 2.50% Salary increases 3.00% Medical trend rate 6.25% grading to 5.00% over 5 years The actuarial assumptions used in the latest valuation were based on those used to value pension liabilities for Minnesota city employees. The state pension plans base their assumptions on periodic experience studies. Economic assumptions are based on input from a variety of published sources of historical and projected future financial data. Each assumption was reviewed for reasonableness with the source information as well as for consistency with the other economic assumptions. Since the plan is not funded by an irrevocable trust, the discount rate is equal to the 20-year municipal bond yield rate of 3.30%, which was set by considering published rate information for 20-year high quality, tax-exempt, general obligation municipal bonds as of the measurement date. The city discount rate used in the prior measurement date was 3.50%. Mortality rates were based on the RP-2014 White Collar Mortality Tables with MP-2016 Generational Improvement Scale. Future retirees electing coverage is assumed to be 30%. 52 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO G. Changes in the Total OPEB Liability Total OPEB Liability Beginning balance 281,745$ Changes for the year Service cost 24,158 Interest 9,998 Benefit payments – employer financed (5,938) 28,218 Ending balance 309,963$ Assumption changes since the prior measurement date include the following:  The actuarial cost method was changed from projected unit credit to entry age as prescribed by GASB 75.  The discount rate was changed from 3.50% to 3.30% H. Total OPEB Liability Sensitivity to Discount and Health-Care Cost Trend Rate Changes The following presents the total OPEB liability of the city, as well as what the city’s total OPEB liability would be if it were calculated using a discount rate that is 1 percentage point lower or 1 percentage point higher than the current discount rate: 1% Decrease in Discount 1% Increase in Discount Rate Rate Discount Rate OPEB discount rate 2.30% 3.30% 4.30% Total OPEB liability 330,814$ 309,963$ 290,074$ The following presents the total OPEB liability of the city, as well as what the city’s total OPEB liability would be if it were calculated using healthcare cost trend rates that are 1 percentage point lower or 1 percentage point higher than the current healthcare cost trend rates: 1% Decrease in Healthcare Trend 1% Increase in Healthcare Trend Rate Rate Healthcare Trend Rate OPEB medical trend rate 5.25% decreasing to 6.25% decreasing to 7.25% decreasing to 4.00% over 5 years 5.00% over 5 years 6.00% over 5 years Total OPEB liability 277,631$ 309,963$ 347,699$ I. OPEB Expense and Related Deferred Outflows of Resources and Deferred Inflows of Resources For the current year ended, the city recognized OPEB expense of $41,495. As of year-end, the city reported deferred outflows of resources and deferred inflows of resources related to OPEB from the following sources: Deferred Deferred Outflows Inflows of Resources of Resources Benefit payments after the measurement date 13,277$ -$ NOTE 10. RISK MANAGEMENT AND LITIGATION The city is exposed to various risks of losses related to torts; theft of, damage to, and destruction of assets; errors and omissions; injuries to employees; and natural disasters. For the past several years, the city has obtained insurance coverage from various trusts administered by the League of Minnesota Cities. Additionally, the city has effectively managed risk through various employee education and prevention programs. All risk management activities are accounted for in the appropriate fund. Expenditures and claims are recognized when it is probable that a loss has occurred, the amount of the loss can be reasonably estimated, and the loss amount exceeds insurance coverage. In determining claims, events that might create claims, but for which none have been reported, are considered. The city attorney estimates that the amount of actual or potential claims against the city as of December 31, 2018 will not materially affect the financial condition of the city. Workers compensation coverage is provided through the League of Minnesota Cities Insurance Trust (LMCIT). This is a group self-insured workers’ compensation plan. Nearly every municipality in Minnesota participates in the 53 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO plan. The city has never had to contribute any additional funds beyond the annual standard premium and deductibles, which is $2,500 per occurrence. The city’s annual premium reflects a base rate multiplied by an experience modification of 100%. The city provides health benefit coverage to all full-time employees and certain part-time employees who meet personnel policy set criteria. The city pays a portion of the premium, which is set annually by council action, and is not obligated to make any other payments. The city also purchases property, vehicle, liability and various other insurance coverages from the LMCIT. The standard deductible for most claims is $1,000. State statute sets tort limits for most liability claims at $500,000 per individual and $1,500,000 for all claimants for one incident. Annually, the council can waive the tort limits, but has chosen not to without exception. The city periodically receives a dividend from LMCIT and has never had to contribute additional funds beyond premiums and deductibles. There were no significant reductions in insurance coverages from the previous year and there were no settlements in excess of insurance coverage in each of the past three years. NOTE 11. CLAIMS AND JUDGMENTS The city participates in a number of federal and state programs that are fully or partially funded by grants received from other governmental units. Expenditures financed by grants are subject to audit by the appropriate grantor government. If expenditures are disallowed due to noncompliance with grant program regulations, the city may be required to reimburse the grantor government. As of December 31, 2018, significant amounts of grant expenditures have not been audited by the granting agency, but the city believes that disallowed expenditures discovered in subsequent audits, if any, will not have a material effect on any of the individual funds or the overall financial position of the city. NOTE 12. CONCENTRATION OF REVENUES Cargill Kitchen Solutions is the largest customer of water and sewage services. The company’s water purchases account for $82,148, or 5.7 percent, of Water Fund operating revenue; and the company’s sewage charges account for $437,665, or 17.0 percent, of Sewage Fund operating revenue. Additionally, Northern States Power Company’s (Xcel Energy) net tax capacity for property taxes payable in 2018 is $17,906,151, or 59.2 percent, of the total net capacity of $30,250,408. Accordingly, Xcel Energy’s share of the $9.870 million city property tax levy is $5.84 million. The tax capacity on January 1, 2019, is based on market values certified to the state on January 1, 2018. In both 2013 and 2014, Xcel Energy uprated energy producing assets at its Monticello nuclear plant. However, Xcel has since experienced a decrease in plant value, contributing to the decrease in the company’s net tax capacity to $16,294,278, or 55 percent, of the $29,784,556 total tax capacity for taxes payable in 2019. NOTE 13. SUBSEQUENT EVENTS In 2018, the city council approved the early pay off of the remaining $ 590,000 2010A Refunding and Improvement Bonds on February 1, 2019. These bonds had original maturity dates of February 1, 2019 and February 1, 2020. Existing reserves in the debt service fund were used to prepay the bonds. NOTE 14. CHANGE IN ACCOUNTING STANDARD During the year ended December 31, 2018, the city implemented GASB Statement No. 75, Accounting and Financial Reporting for Post-Employment Benefits Other Than Pensions. This statement included major changes in how plans and employers account for OPEB obligations. This statement established standards for recognizing and measuring liabilities, deferred outflows of resources, deferred inflows of resources, and expense/expenditures. Certain amounts necessary to fully restate fiscal year 2017 financial information are not determinable; therefore, prior year comparative amounts have not been restated. The implementation of new GASB statement in the current year resulted in the restatement of net position as of December 31, 2017. The details of the restatement are as follows: Governmental Business-type Activities Activities Total Net position – beginning, as previously reported 74,034,698$ 51,849,855$ 125,884,553$ Change in accounting principle OPEB obligation, previous reporting standards 351,063 - 351,063 Total OPEB liability, current reporting standards (200,039) (81,706) (281,745) Deferred outflows of resources, current reporting standards 4,216 1,722 5,938 Total 155,240 (79,984) 75,256 Net position – beginning, as restated 74,189,938$ 51,769,871$ 125,959,809$ 54 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO NOTE 15. INTERFUND TRANSFERS Interfund transfers for the year ended December 31, 2018 are as follows: Transfers In Transfers Out Governmental funds: General -$ 700,000$ Economic Development Authority 116,473 200,000 Debt Service 249,899 - Capital Projects 1,316,473 5,000 Nonmajor governmental 400,000 277,845 Total governmental funds 2,082,845 1,182,845 Enterprise funds: Water - 600,000 Liquor - 530,000 Fiber Optics 130,000 - Total enterprise funds 130,000 1,130,000 Internal service funds: Central Equipment 300,000 - IT Services - 200,000 Total internal service funds 300,000 200,000 Total 2,512,845$ 2,512,845$ The following schedule reflects each fund transfer: Amount Economic Development Authority Nonmajor governmental 116,473$ (1) Debt Service Economic Development Authority 200,000 (2) Capital Projects 5,000 (3) Nonmajor governmental 44,899 (2) Capital Projects General 600,000 (4) Water 600,000 (4) Nonmajor governmental 116,473 (1) Nonmajor governmental Liquor 400,000 (4) Fiber Optics Liquor 130,000 (5) Central Equipment General 100,000 (4) IT Services 200,000 (4) Total 2,512,845$ Transfers In Transfers Out (1) Transfer to distribute remaining unrestricted MN Investment funds. (2) Transfer for principal and interest payments on various debt issues. (3) Transfer to establish funds for repayment of 2018A bonds. (4) Transfer for project and equipment related funding. (5) Transfer to subsidize fund operating and capital expenditures. 55 Notes to the Financial Statements December 31, 2018 CITY OF MONTICELLO NOTE 16. FUND BALANCES Classifications At December 31, 2018, a summary of the city’s governmental fund balance classifications are as follows: Economic Debt General Community Development Service Capital Nonmajor Fund Center Authority Fund Projects Funds Total Nonspendable Prepaid items 124,650$ 26,702$ 2,383$ -$ -$ 18,529$ 172,264$ Restricted Debt service - - - 2,391,544 - - 2,391,544 Economic development - - 1,339,976 - - 873,363 2,213,339 Tax increment - - 1,263,114 - - - 1,263,114 Total restricted - - 2,603,090 2,391,544 - 873,363 5,867,997 Assigned Capital improvements - - - - 7,527,500 4,369,347 11,896,847 Economic development - - 4,634,992 - - - 4,634,992 Community center operations - 580,093 - - - - 580,093 Cemetery operations - - - - - 33,531 33,531 Total assigned - 580,093 4,634,992 - 7,527,500 4,402,878 17,145,463 Unassigned 6,984,828 - - - - - 6,984,828 Total 7,109,478$ 606,795$ 7,240,465$ 2,391,544$ 7,527,500$ 5,294,770$ 30,170,552$ Special Revenue Funds 56 (This page left blank intentionally) 57 REQUIRED SUPPLEMENTARY INFORMATION CITY OF MONTICELLO Required Supplementary Information Schedule of Employer's Share and Non-Employer Proportionate Share of Net Pension Liability - Public Employees Retirement Association Last Ten Fiscal Years PERA Fiscal Year Ending June 30, Employer's Proportion (Percentage) of the Net Pension Liability Employer's Proportionate Share (Amount) of the Net Pension Liability Employer's Proportionate Share of the State of Minnesota's Proportionate Share of the Net Pension Liability Total Employer's Proportionate Share of the Net Pension Liability Covered Payroll Employer's Proportionate Share of the Net Pension Liability as a Percentage of Covered Payroll Plan Fiduciary Net Position as a Percentage of the Total Pension Liability 2015 0.0578% $2,995,496 $0 $2,995,496 $3,395,756 88.21% 78.2% 2016 0.0588% 4,774,268 62,387 4,836,655 3,651,024 130.77% 68.9% 2017 0.0549% 3,504,780 44,041 3,548,821 3,534,506 99.16% 75.9% 2018 0.0550% 3,051,175 23,338 3,074,513 3,697,145 82.53% 79.5% Note 1: Changes in Plan Provisions. (a) 2015 changes - On January 1, 2015, the Minneapolis Employees Retirement Fund was merged into the GERF, which increased the total pension liability by $1.1 billion and increased the fiduciary plan net position by $892 million. Upon consolidation, state and employer contributions were revised; the state’s contribution of $6 million, which meets the special funding situation definition, was due September 2015. (b) 2017 changes - The state's special funding contribution increased from $6 million to $16 million. Note 2: Changes in Actuarial Assumptions (a) 2015 changes - The assumed post-retirement benefit increase rate was changed from 1.00 percent per year through 2030 and 2.50 percent per year thereafter to 1.00 percent per year through 2035 and 2.50 percent per year thereafter. (b) 2016 changes - The assumed post-retirement benefit increase rate was changed from 1.00 percent per year through 2035 and 2.50 percent per year thereafter to 1.00 percent per year for all future years. The assumed investment return and the single discount rate were both changed from 7.90 percent to 7.50 percent. Other assumptions were changed pursuant to the experience study dated June 30, 2015. The assumed future salary increases, payroll growth, and inflation were decreased by 0.25 percent to 3.25 percent for payroll growth and 2.50 percent for inflation. (c) 2017 changes - The Combined Service Annuity (CSA) loads were changed from 0.8 percent for active members and 60 percent for vested and non vested deferred members. The revised CSA loads are now 0.00 percent for active member liability, 15.00 percent for vested deferred member liability, and 3.00 percent for nonvested deferred member liability. The assumed post-retirement benefit increase rate was changed from 1.00 percent per year for all years to 1.00 percent per year through 2044, and 2.50 percent per year thereafter. (d) 2018 changes - The morality projection scale ws changed from MP-2015 to MP-2017. The assumed benefit increase was changed from 1.00 percent per year through 2044 and 2.50 percent per year thereafter to 1.25 percent per year. Note 3: The city implemented GASB Statement No. 68 in fiscal 2015 (using a June 30, 2015 measurement date). This schedule is intended to present 10-year trend information. Additional years will be added as they become available. Note 4: For purposes of this schedule, covered payroll is defined as "pensionable wages." General Employees Retirement Fund 58 CITY OF MONTICELLO Required Supplementary Information Schedule of Employer's Pension Contributions - Public Employees Retirement Association Last Ten Fiscal Years Fiscal Year Ending December 31, Statutorily Required Contributions (a) Contributions in Relation to the Statutorily Required Contributions (b) Contribution Deficiency (Excess) (a-b) Covered Payroll (c) Contributions as a Percentage of Covered Payroll (b/c) 2015 266,042$ 266,042$ -$ 3,547,217$ 7.5% 2016 267,516 267,516 - 3,566,884 7.5% 2017 269,721 269,721 - 3,596,280 7.5% 2018 287,700 287,700 - 3,835,998 7.5% Note 1: For purposes of this schedule, covered payroll is defined as "pensionable wages." Note 2: The city implemented GASB Statement No. 68 in fiscal 2015 using a June 30, 2015 measurement date. This schedule is intended to present 10-year trend information. Additional years will be added as they become available. General Employees Retirement Fund 59 CITY OF MONTICELLO Required Supplementary Information Schedule of Changes in the Fire Relief Association's Net Pension Liability (Asset) and Related Ratios Last Ten Fiscal Years 2015 2016 2017 2018 Total pension liability Service cost 77,343$ 79,730$ 66,097$ 71,325$ Interest 41,888 44,224 49,857 49,897 Changes in benefit terms - 90,761 67,016 74,540 Experience gain/(loss)- (53,156) (30,666) 94,235 Effect of changes in assumptions - - (10,673) - Benefit payments, including refund of member contributions (128,101) (1,168) (164,699) (121,900) Net change in total pension liability (8,870) 160,391 (23,068) 168,097 Total pension liability - beginning 1,026,005 1,017,135 1,177,526 1,154,458 Total pension liability - ending (A)1,017,135$ 1,177,526$ 1,154,458$ 1,322,555$ Plan fiduciary net position Contributions - State 120,027$ 123,656$ 125,764$ 130,874$ Contributions - Municipal - - - - Supplemental benefits reimbursements 2,000 - 2,000 1,000 Net investment income (17,673) 55,902 126,579 (54,150) Benefit payments, including refund of member contributions (128,101) (1,168) (164,699) (121,900) Administrative expenses (3,532) (4,144) (4,331) (4,929) Net change in plan fiduciary net position (27,279) 174,246 85,313 (49,105) Plan fiduciary net position - beginning 1,053,739 1,026,460 1,200,706 1,286,019 Plan fiduciary net position - ending (B)1,026,460$ 1,200,706$ 1,286,019$ 1,236,914$ Net pension liability (asset) - ending (A)-(B)(9,325) (23,180) (131,561) 85,641 Plan fiduciary net position as a percentage of the total pension liability 100.9%102.0%111.4%93.5% Covered payroll*N/A N/A N/A N/A Net pension liability as a percentage of covered payroll*N/A N/A N/A N/A *The Association is comprised of volunteers, therefore, there are no payroll expenditures (i.e., there are no covered payroll percentage calculations) Note 1: Changes in Actuarial Assumptions and Benefit Terms (a) 2016 changes - The benefit level was increased from $3,300 to $3,600 per year of service. (b) 2017 changes - The annual turnover rate was changed from 10 percent to 1 percent. The discount rate was increased from 4.19% to 4.42%, which is primarily due to a reduction in the portfolio's average expense load. The benefit level was increased from $3,600 to $3,900 per year of service. (c) 2018 changes - The benefit level was increased from $3,900 to $4,200 per year of service. Note 2: The city implemented GASB Statement No. 68 in fiscal 2015 using a December 31, 2015 measurement date. This schedule is intended to present 10-year trend information. Additional years will be added as they become available. 60 CITY OF MONTICELLO Required Supplementary Information Schedule of Employer's Pension Contributions - Monticello Fire Department Relief Association Last Ten Fiscal Years Statutorily Required Contributions (a) Actual Contributions Paid (b) Contribution Deficiency (Excess) (a-b) -$ -$ -$ 108,186$ - - - 120,027 - - - 123,656 - - - 125,764 - - - 130,874 Note 1:The Monticello Volunteer Firemen's Relief Association is comprised of volunteers; therefore there are no payroll expenditures (i.e. there are no covered payroll percentage calculations). Note 2:The city implemented GASB Statement No. 68 in fiscal 2015 using a December 31, 2015 measurement date. This schedule is intended to present 10-year trend information. Additional years will be added as they become available. 2016 2017 2018 City Contributions Non-Employer Contribution - State 2% Fire Aid City Fiscal Year Ending December 31, 2014 2015 61 CITY OF MONTICELLO Required Supplementary Information Schedule of Changes in the City's Total OPEB Liability and Related Ratios Last Ten Fiscal Years 2018 Total OPEB liability Service cost 24,158$ Interest 9,998 Benefit payments (5,938) Net change in total OPEB liability 28,218 Total OPEB liability - beginning 281,745 Total OPEB liability - ending 309,963$ Covered payroll 3,130,628$ Net OPEB liability as a percentage of covered payroll 10% Note 1: Changes in Actuarial Assumptions (a) 2018 changes - The discount rate was decreased from 3.5% to 3.3% Note 2:The city implemented GASB Statement No. 75 in fiscal 2018 using a January 1, 2018 measurement date. This schedule is intended to present 10-year trend information. Additional years will be added as they become available. 62 (This page left blank intentionally) 63 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Changes in Fund Balance Budget and Actual - General Fund For the Year Ended December 31, 2018 101 Original and Final Variance with Budget Actual Final Budget Revenues Property taxes 6,609,000$ 6,634,769$ 25,769$ Franchise taxes 270,500 245,000 (25,500) Special assessments 300 206 (94) Licenses and permits 398,750 504,464 105,714 Intergovernmental 374,440 428,443 54,003 Charges for services 398,400 509,464 111,064 Fines and forfeitures 36,500 45,350 8,850 Investment earnings 80,000 106,767 26,767 Other revenues 119,110 215,330 96,220 Total revenues 8,287,000 8,689,793 402,793 Expenditures: Current General government Mayor and council 57,350 53,928 (3,422) City administration 448,881 449,100 219 City clerk 131,409 130,948 (461) Finance 467,242 430,924 (36,318) Audit 42,000 40,531 (1,469) City assessing 65,000 66,190 1,190 Legal 38,000 27,967 (10,033) Human resources 133,118 126,581 (6,537) Planning and zoning 248,020 239,045 (8,975) City hall 79,189 66,111 (13,078) Prairie center building 17,753 25,232 7,479 Public safety Law enforcement 1,360,197 1,362,411 2,214 Fire and rescue 414,328 435,068 20,740 Fire relief 120,000 132,874 12,874 Building inspections 399,409 351,511 (47,898) Civil defense 3,265 12,332 9,067 Animal control 51,796 46,608 (5,188) National Guard 14,500 13,649 (851) (continued) 64 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Changes in Fund Balance Budget and Actual - General Fund For the Year Ended December 31, 2018 (Continued) Original and Final Variance with Budget Actual Final Budget Expenditures (continued) Public works Public works administration 201,955$ 196,851$ (5,104)$ Engineering 165,492 126,179 (39,313) Public works inspecitons 119,967 83,560 (36,407) Streets and alleys 1,038,451 891,117 (147,334) Ice and snow removal 292,315 344,974 52,659 Shop and garage 207,046 168,049 (38,997) Stormwater 73,465 23,883 (49,582) Street lighting 270,500 244,478 (26,022) Sanitation Refuse and recycling collection 626,544 615,586 (10,958) Transit Bus service 30,000 18,333 (11,667) Recreation and culture Senior center 103,715 103,226 (489) Park operations 918,855 916,335 (2,520) Park ballfields 26,900 21,063 (5,837) Shade tree 75,050 80,916 5,866 Public arts - 29,876 29,876 Library 45,288 48,972 3,684 Total expenditures 8,287,000 7,924,408 (362,592) Excess (deficiency) of revenues over expenditures - 765,385 765,385 Other financing sources (uses) Sale of capital assets - 15,000 15,000 Transfers out - (700,000) (700,000) Total other financing sources (uses) - (685,000) (685,000) Net change in fund balance - 80,385 80,385 Fund balance at beginning of year 7,029,093 7,029,093 - Fund balance at end of year 7,029,093$ 7,109,478$ 80,385$ 65 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Changes in Fund Balance Budget and Actual - Community Center Fund For the Year Ended December 31, 2018 226 Original and Final Variance with Budget Actual Final Budget Revenues Property taxes 387,000$ 387,000$ -$ Charges for services 1,417,500 1,449,452 31,952 Investment earnings 2,000 8,242 6,242 Other revenues 4,000 76,171 72,171 Total revenues 1,810,500 1,920,865 110,365 Expenditures Current Recreation and culture Operations 460,876 436,956 (23,920) Rentals 19,370 18,042 (1,328) Aquatics 208,813 213,957 5,144 Concessions & guest services 184,718 200,948 16,230 Maintenance 721,683 668,242 (53,441) Programming 238,040 265,277 27,237 Capital outlay Recreation and culture Maintenance 246,000 91,161 (154,839) Total expenditures 2,079,500 1,894,583 (184,917) Net change in fund balance (269,000) 26,282 295,282 Fund balance at beginning of year 580,513 580,513 - Fund balance at end of year 311,513$ 606,795$ 295,282$ 66 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Changes in Fund Balance Budget and Actual - Economic Development Authority Fund For the Year Ended December 31, 2018 213 Original and Final Variance with Budget Actual Final Budget Revenues Property taxes 323,000$ 323,186$ 186$ Tax increments 635,678 638,278 2,600 Investment earnings 48,900 43,407 (5,493) Other revenues 1,100 2,832 1,732 Total revenues 1,008,678 1,007,703 (975) Expenditures Current Economic development General operations 195,000 245,904 50,904 Land held for resale adjustment 144,000 461,513 317,513 Developmental activities 298,866 444,399 145,533 Total expenditures 637,866 1,151,816 513,950 Excess (deficiency) of revenues over expenditures 370,812 (144,113) (514,925) Other financing sources (uses) Transfers in - 116,473 116,473 Transfers out (200,000) (200,000) - Total other financing sources (uses)(200,000) (83,527) 116,473 Net change in fund balance 170,812 (227,640) (398,452) Fund balance at beginning of year 7,468,105 7,468,105 - Fund balance at end of year 7,638,917$ 7,240,465$ (398,452)$ 67 Notes to the Required Supplementary Information December 31, 2018 CITY OF MONTICELLO Budgetary Information Budgetary basis of accounting The city follows these procedures in establishing the budgetary data reflected in the basic financial statements: A. Prior to September 1, the city administrator submits to the city council a proposed operating budget for the fiscal year commencing the following January 1. The operating budget includes proposed expenditures and the means of financing them. The city council adopts the proposed budget as amended and adjusted by the city council and certifies the proposed property tax levy to the county auditor according to Minnesota Statutes. B. Public hearings are conducted at the city council’s chambers in the Monticello Community Center. C. On or before December 28, the final budget is legally enacted by city council resolution and the final property tax levy is certified to the county auditor. D. Management is authorized to transfer budgeted amounts between departments within a fund; however, any revisions that alter the total expenditures of any fund must be approved by the city council. E. The city has legally adopted budgets for the General Fund and all special revenue funds. Expenditures may not legally exceed budgeted appropriations at the total fund level. Monitoring of budgets is maintained at the department level. All amounts over budget have been approved by the city council through the disbursement process. The city is not legally required to adopt an annual budget for the nonmajor special revenue funds, the Debt Service Fund, and the Capital Projects Funds. Project- length financial plans are adopted for the Debt Service and Capital Projects Funds. F. Budgets are adopted on a basis consistent with accounting principles generally accepted in the United States of America. Budgeted amounts are as originally adopted or amended by the city council. All annual appropriations lapse at year-end. Excess of expenditures over appropriations For the year ended December 31, 2018, expenditures exceeded appropriations in the Economic Development Authority special revenue fund by $513,950. The excess of expenditures resulted from purchases of parcels for redevelopment that were not included in the budget. Fund balance reserves were used to fund the expenditures. 68 NONMAJOR GOVERNMENTAL FUNDS NONMAJOR GOVERNMENTAL FUNDS SPECIAL REVENUE FUNDS are used to account for revenue derived from specific taxes or other earmarked revenue sources (other than for major capital projects) that are restricted by law or administrative action to expenditures for specified purposes. Minnesota Investment Fund - Established to account for the administration of loans to local businesses while following state and federal guidelines. Cemetery Fund – Established to account for the activities of cemetery operations. The city maintains two cemeteries: Riverside and Hillside. CDBG Revitalization Fund – Established to account for funding and activities for the CDBG Revitalization Grant. CAPITAL PROJECTS FUNDS are used to account for resources used for the acquisition and construction of capital assets by the city, except for those financed by proprietary funds. Storm Sewer Access Fund – This fund was established to account for fees collected from building permits for new construction and lot development. The fees will finance major improvements to the city’s storm sewer system. City Street Reconstruction Fund – This fund was established to account for annual improvements to the city’s infrastructure based on a reconstruction schedule. Street Lighting Improvement Fund – This fund was established to account for activities incorporating street lighting into designated areas throughout the city. A portion of the city’s electric franchise fee is the main revenue source for this fund. Park and Pathway Dedication Fund – This fund was established to account for restricted fees collected from developers for park land acquisition and for park and pathway improvements. The fund also accumulates resources from other sources used for the same purposes. CITY OF MONTICELLO Combining Balance Sheet Nonmajor Governmental Funds 220 651 214 263 212 245 229 221 City Street Street Park & Minnesota CDBG -Storm Sewer Recon-Lighting Pathway Investment Cemetery Revitalization Access struction Improvement Dedication Total ASSETS Cash and investments 872,983$ 34,713$ 380$ 1,358,936$ 1,711,361$ 495,212$ 721,192$ 5,194,777$ Receivables Accounts - - - - - 118,048 - 118,048 Prepaid items - 18,529 - - - - - 18,529 Notes receivable - - 89,279 - - - - 89,279 Total assets 872,983$ 53,242$ 89,659$ 1,358,936$ 1,711,361$ 613,260$ 721,192$ 5,420,633$ LIABILITIES Accounts and contracts payable -$ 1,182$ -$ -$ -$ 10,675$ 24,727$ 36,584$ DEFERRED INFLOWS OF RESOURCES Unavailable revenue - notes receivable - - 89,279 - - - - 89,279 FUND BALANCES Nonspendable - 18,529 - - - - - 18,529 Restricted for economic development 872,983 - 380 - - - - 873,363 Assigned for capital improvements - - - 1,358,936 1,711,361 602,585 696,465 4,369,347 Assigned for cemetery operations - 33,531 - - - - - 33,531 Total fund balances 872,983 52,060 380 1,358,936 1,711,361 602,585 696,465 5,294,770 Total liabilities, deferred inflows of resources, and fund balances 872,983$ 53,242$ 89,659$ 1,358,936$ 1,711,361$ 613,260$ 721,192$ 5,420,633$ Special Revenue Funds Capital Project Funds December 31, 2018 69 CITY OF MONTICELLO Combining Statement of Revenues, Expenditures and Changes in Fund Balance Nonmajor Governmental Funds For the Year Ended December 31, 2018 220 651 214 263 212 245 229 221 City Street Street Park & Minnesota CDBG -Storm Sewer Recon-Lighting Pathway Investment Cemetery Revitalization Access struction Improvement Dedication Total Revenues Franchise taxes -$ -$ -$ -$ -$ 122,259$ -$ 122,259$ Charges for services - 19,086 - 101,363 - - 18,997 139,446 Investment earnings 10,207 528 11 15,899 19,573 8,093 10,688 64,999 Other revenues - - - - - 8,136 - 8,136 Total revenues 10,207 19,614 11 117,262 19,573 138,488 29,685 334,840 Expenditures Current Public works - - - 214 - - - 214 Recreation and culture - 18,501 - - - - 12,185 30,686 Economic development 58,237 - - - - - - 58,237 Capital outlay Public works - - - - - 378,874 - 378,874 Recreation and culture - - - - - - 229,137 229,137 Total expenditures 58,237 18,501 - 214 - 378,874 241,322 697,148 Excess (deficiency) of revenues over expenditures (48,030) 1,113 11 117,048 19,573 (240,386) (211,637) (362,308) Other financing sources (uses) Transfers in - - - - - - 400,000 400,000 Transfers out (232,946) - - - (44,899) - - (277,845) Total other financing sources (uses)(232,946) - - - (44,899) - 400,000 122,155 Net change in fund balance (280,976) 1,113 11 117,048 (25,326) (240,386) 188,363 (240,153) Fund balance at begining of year 1,153,959 50,947 369 1,241,888 1,736,687 842,971 508,102 5,534,923 Fund balance at end of year 872,983$ 52,060$ 380$ 1,358,936$ 1,711,361$ 602,585$ 696,465$ 5,294,770$ Special Revenue Funds Capital Project Funds 70 INTERNAL SERVICE FUNDS INTERNAL SERVICE FUNDS INTERNAL SERVICE FUNDS are used to account for the financing of centralized services to city departments on a cost-reimbursement basis (including depreciation). Benefit Accrual Fund – This fund was established to account for resources accumulated to satisfy paid-time-off (PTO) and sick leave liabilities of governmental fund employees. Central Equipment Fund – This fund was established to account for equipment purchases and rental to various governmental fund departments. Information Technology (IT) Services Fund – This fund was established to account for the accumulation and distribution of various IT related costs, including communications, software support, capital and non-capital equipment, and software purchases. CITY OF MONTICELLO Combining Statement of Net Position Internal Service Funds December 31, 2018 704 703 702 Benefit Central IT Accrual Equipment Services Total ASSETS Current assets Cash and investments 286,459$ 652,390$ 193,351$ 1,132,200$ Accounts receivable - - 30 30 Total current assets 286,459 652,390 193,381 1,132,230 Noncurrent assets Capital assets Machinery and equipment - 1,642,088 58,172 1,700,260 Less accumulated depreciation - (467,492) (25,400) (492,892) Total noncurrent assets - 1,174,596 32,772 1,207,368 TOTAL ASSETS 286,459 1,826,986 226,153 2,339,598 LIABILITIES Current liabilities Accounts payable - - 18,721 18,721 Accrued interest payable - 596 - 596 Bonds payable due within one year - 120,000 - 120,000 Compensated absences due within one year 155,977 - - 155,977 Total current liabilities 155,977 120,596 18,721 295,294 Noncurrent liabilities Bonds payable, net current portion - 365,000 - 365,000 Compensated absences payable 119,299 - - 119,299 Total noncurrent liabilities 119,299 365,000 - 484,299 TOTAL LIABILITIES 275,276 485,596 18,721 779,593 NET POSITION Net investment in capital assets - 689,596 32,772 722,368 Unrestricted 11,183 651,794 174,660 837,637 TOTAL NET POSITION 11,183$ 1,341,390$ 207,432$ 1,560,005$ 71 CITY OF MONTICELLO Combining Statement of Revenues, Expenses and Changes in Net Position Internal Service Funds For the Year Ended December 31, 2018 704 703 702 Benefit Central IT Accrual Equipment Services Total Operating revenues Charges to other funds 25,899$ 249,800$ 272,902$ 548,601$ Other revenues - - 120 120 Total operating revenues 25,899 249,800 273,022 548,721 Operating expenses Personal services 25,899 - - 25,899 Materials and supplies - - 31,282 31,282 Other services and charges - - 135,707 135,707 Depreciation - 163,736 7,900 171,636 Total operating expenses 25,899 163,736 174,889 364,524 Operating income - 86,064 98,133 184,197 Nonoperating revenues (expenses) Investment earnings 2,921 6,030 3,793 12,744 Interest expense - (13,365) - (13,365) Total nonoperating revenues (expenses)2,921 (7,335) 3,793 (621) Income before capital contributions and transfers 2,921 78,729 101,926 183,576 Capital contributions - 10,199 - 10,199 Transfers in - 300,000 - 300,000 Transfers out - - (200,000) (200,000) Change in net position 2,921 388,928 (98,074) 293,775 Net position at beginning of year 8,262 952,462 305,506 1,266,230 Net position at end of year 11,183$ 1,341,390$ 207,432$ 1,560,005$ 72 CITY OF MONTICELLO Combining Statement of Cash Flows Internal Service Funds For the Year Ended December 31, 2018 704 703 702 Benefit Central IT Accrual Equipment Services Total Cash flow from operating activities Cash received from internal services provided 25,899$ 249,800$ 273,022$ 548,721$ Cash paid to suppliers for goods and services - - (164,883) (164,883) Net cash provided by operating activities 25,899 249,800 108,139 383,838 Cash flows from noncapital financing activities Transfers from other funds - 300,000 - 300,000 Transfers to other funds - - (200,000) (200,000) Net cash provided (used) by noncapital financing activities - 300,000 (200,000) 100,000 Cash flows from capital and related financing activities Acquisition of capital assets - (164,374) (11,982) (176,356) Principal payments on long-term debt - (120,000) - (120,000) Interest and fiscal charges paid on long-term debt - (13,485) - (13,485) Net cash (used) by capital and related financing activities - (297,859) (11,982) (309,841) Cash flows from investing activities Interest on investments 2,921 6,030 3,793 12,744 Increase (decrease) in cash and cash equivalents 28,820 257,971 (100,050) 186,741 Cash and cash equivalents - January 1 257,639 394,419 293,401 945,459 Cash and cash equivalents - December 31 286,459$ 652,390$ 193,351$ 1,132,200$ Reconciliation of operating income (loss) to net cash provided by operating activities: Operating income (loss)-$ 86,064$ 98,133$ 184,197$ Adjustments to Reconcile Operating Income (Loss) to Net Cash Provided by Operating Activities: Depreciation - 163,736 7,900 171,636 Changes in assets and liabilities: Increase (decrease) in accounts payable - - 2,106 2,106 Increase (decrease) in compensated absences 25,899 - - 25,899 Net cash provided by operating activities 25,899$ 249,800$ 108,139$ 383,838$ Schedule of noncash capital and related financing activities: Capital contributions -$ 10,199$ -$ 10,199$ 73 (This page left blank intentionally) 74 OTHER SUPPLEMENTARY SCHEDULES CITY OF MONTICELLO Schedule of Revenues (Sources) and Expenditures (Uses) General Fund For the Year Ended December 31, 2018 2018 Variance with 2014 2015 2016 2017 Final 2018 Final Actual Actual Actual Actual Budget Actual Budget Revenue and other sources - summary: Property taxes 5,527,958$ 5,906,255$ 6,204,429$ 6,384,444$ 6,609,000$ 6,634,769$ 25,769$ Franchise taxes 216,500 216,500 263,900 250,000 270,500 245,000 (25,500) Special assessments 22,808 1,330 242 2,290 300 206 (94) Licenses and permits 378,810 461,049 668,602 600,933 398,750 504,464 105,714 Intergovernmental 320,691 354,679 389,005 429,697 374,440 428,443 54,003 Charges for services 319,477 349,601 351,702 397,570 398,400 509,464 111,064 Fines and forfeitures 1,900 42,474 30,656 36,702 36,500 45,350 8,850 Investment earnings 150,754 64,037 99,237 120,631 80,000 106,767 26,767 Other 180,104 241,721 263,783 271,078 119,110 215,330 96,220 Sales of capital assets - 30,473 11,180 1,725 - 15,000 15,000 Total Revenues & Other Sources 7,119,002 7,668,119 8,282,736 8,495,070 8,287,000 8,704,793 417,793 Revenue and other sources - detail: Property taxes Property tax - current 5,483,145 5,840,880 6,152,157 6,277,737 6,590,000 6,567,152 (22,848) Property tax - delinquent 24,140 46,786 31,704 71,029 - 46,482 46,482 Mobile home tax 17,575 15,077 16,324 17,620 15,000 18,984 3,984 Penalties and interest - taxes 3,098 3,512 4,244 18,058 4,000 2,151 (1,849) Franchise taxes Franchise taxes - electric 216,500 216,500 263,900 250,000 270,500 245,000 (25,500) Special assessments Assessment for services/projects 22,808 1,330 242 2,290 300 206 (94) Licenses and permits Liquor license 44,612 45,640 45,895 46,205 45,500 50,295 4,795 Beer license 964 1,013 1,013 1,151 1,100 1,988 888 Other business licenses & permits 3,707 2,545 5,295 6,387 4,000 6,840 2,840 Building permits 315,466 395,024 598,983 520,692 335,000 427,644 92,644 Fire sprinkler permits - 215 - - - - - Variance/conditional use permits 2,600 2,100 - 200 - - - Driveway permits 25 75 30 360 150 180 30 Mobile home permits 95 325 180 868 - 720 720 Excavation permits 3,850 6,125 7,125 6,405 4,500 7,410 2,910 Right-of-way permits 3,158 2,677 3,144 4,610 2,500 3,707 1,207 Sign/banner permits 4,025 4,135 5,694 9,355 4,500 4,815 315 Animal licenses 308 1,175 1,243 4,700 1,500 865 (635) Intergovernmental Pera increase aid 6,741 6,741 6,741 6,822 6,740 6,849 109 State highway aid - operating 111,280 125,258 131,898 134,955 125,000 155,374 30,374 (continued) 75 CITY OF MONTICELLO Schedule of Revenues (Sources) and Expenditures (Uses) General Fund For the Year Ended December 31, 2018 (Continued) 2018 Variance with 2014 2015 2016 2017 Final 2018 Final Actual Actual Actual Actual Budget Actual Budget Intergovernmental (continued) Fire department aid - operating 108,186$ 120,027$ 123,656$ 133,813$ 120,000$ 130,874$ 10,874$ Police department aid - operating 63,205 66,814 68,710 70,959 66,000 71,834 5,834 County operating grant - street/highway - 19,642 55,780 26,875 19,000 27,353 8,353 County operating grant - civil defense 13,157 2,221 2,220 2,392 2,200 12,331 10,131 County operating grant - recycling 18,122 13,976 - 53,881 18,500 19,978 1,478 Operating grant -other - - - - 17,000 3,850 (13,150) Charges for services Zoning/subdivision fees 1,200 1,050 - - - - - Assessment searches 8,174 11,100 12,760 10,968 7,500 10,695 3,195 Blight notice fee (1,650) 350 320 - - - - Final plat fee 250 150 - - - - - Planning administration fee 550 900 5,950 7,585 1,000 5,876 4,876 NSF fee 90 30 30 60 - 30 30 Inspection/construction fees 983 826 965 1,014 800 764 (36) Contractor licensing fee 1,825 1,075 825 320 200 290 90 Fire protections fees - townships 124,227 126,439 131,717 131,774 130,000 142,374 12,374 Fire emergency response fee 4,883 11,250 4,900 23,500 4,900 19,995 15,095 Fire - other fees 2,050 2,165 3,814 5,407 2,000 11,808 9,808 Blight mowing fees (559) 625 450 - 500 - (500) Rental housing fees 55,030 45,210 49,020 49,600 47,000 45,500 (1,500) Animal control fees 34,462 36,869 36,089 45,224 36,000 45,232 9,232 Miscellaneous pubic works 8,981 - - - - 8,621 8,621 Tree and brush removal charge 2,200 6,755 3,290 1,513 2,500 2,365 (135) Recycling bin fee - 260 - - - 30 30 Garbage fee - taxable 44,992 90,310 89,656 80,774 155,000 169,217 14,217 Garbage miscellaneous fee 17,488 - - - - - - Garbage surcharge - not taxable 2,340 240 300 - - 90 90 Field/Tourney fees 4,019 4,544 5,679 14,036 6,000 14,400 8,400 Park rental fees 5,099 6,305 4,962 5,355 5,000 9,051 4,051 Memorial program revenue - 1,404 - - - - - Developer cost reimbursement 2,843 1,744 750 19,540 - 16,429 16,429 General charges for services - - 225 900 - 6,697 6,697 Fines and forfeitures Court fines - 41,761 30,150 35,607 36,000 44,450 8,450 Animal impound fines 400 713 506 595 500 400 (100) Liquor license violation 1,500 - - 500 - 500 500 Investment earnings Investment earnings 145,211 64,037 99,237 120,631 80,000 106,767 26,767 Interest - loans 5,543 - - - - - - (continued) 76 CITY OF MONTICELLO Schedule of Revenues (Sources) and Expenditures (Uses) General Fund For the Year Ended December 31, 2018 (Continued) 2018 Variance with 2014 2015 2016 2017 Final 2018 Final Actual Actual Actual Actual Budget Actual Budget Other City property rental 1,600$ 1,600$ 1,600$ 1,600$ 1,600$ 1,600$ -$ Billboard land rental 20,146 2,150 21,149 21,187 21,000 22,881 1,881 Lease - Prairie Center 37,511 22,500 24,006 32,238 15,000 28,548 13,548 Lease - communication tower 8,000 22,180 24,905 26,441 25,000 29,213 4,213 Contributions 4,000 5,958 5,315 3,025 2,500 13,543 11,043 Sale of city property 1,994 1,831 10,650 20,948 1,000 5,724 4,724 Sale of lock boxes 855 1,368 1,710 855 800 920 120 Tree Sales 5,600 6,026 7,533 8,646 7,000 7,073 73 Copies 21 49 19 10 50 15 (35) Refunds & reimbursables 55,030 75,416 88,860 49,603 - 42,297 42,297 Assessment fee reimbursement 24,675 23,026 24,150 19,950 20,000 21,300 1,300 Fire contributions 11,400 13,268 7,852 12,660 - 2,973 2,973 Insurance claims - 29,926 - 46,475 - - - Other miscellaneous 9,272 36,423 46,034 27,440 25,160 39,243 14,083 Other Financing Sources Sales of capital assets - 30,473 11,180 1,725 - 15,000 15,000 Total revenues and other sources 7,119,002$ 7,668,119$ 8,282,736$ 8,495,070$ 8,287,000$ 8,704,793$ 417,793$ Expenditures and other uses - summary General government 1,439,034$ 1,459,575$ 1,488,350$ 1,615,630$ 1,721,583$ 1,650,129$ (71,454)$ Public safety 1,845,073 1,972,986 2,036,777 2,178,728 2,363,495 2,354,453 (9,042) Public works 1,792,870 1,709,063 1,802,884 1,904,391 2,369,191 2,079,091 (290,100) Sanitation 517,956 563,477 600,300 614,328 626,544 615,586 (10,958) Transit 10,000 40,000 41,250 3,191 30,000 18,333 (11,667) Recreation and culture 791,990 962,186 1,016,025 1,119,343 1,169,808 1,200,388 30,580 General unallocated 12,584 8,082 7,226 7,086 6,379 6,428 49 Transfers out and other uses 293,000 297,012 - 300,000 - 700,000 700,000 Total expenditures and other uses 6,702,507$ 7,012,381$ 6,992,812$ 7,742,697$ 8,287,000$ 8,624,408$ 337,408$ Expenditures and other uses - divisions General government Mayor and council 52,181$ 52,572$ 57,507$ 54,123$ 57,350$ 53,928$ (3,422)$ City administration 274,681 314,690 326,134 481,843 448,881 449,100 219 City clerk 41,835 2,979 66,031 102,422 131,409 130,948 (461) Finance 385,662 377,867 393,754 425,247 467,242 430,924 (36,318) Audit 53,541 37,798 39,273 44,745 42,000 40,531 (1,469) City assessing 49,832 50,466 50,415 51,972 65,000 66,190 1,190 Legal 29,303 36,946 29,152 35,714 38,000 27,967 (10,033) Human resources 90,565 117,249 116,522 123,206 133,118 126,581 (6,537) Planning and zoning 220,080 244,976 210,173 216,007 248,020 239,045 (8,975) (continued)77 CITY OF MONTICELLO Schedule of Revenues (Sources) and Expenditures (Uses) General Fund For the Year Ended December 31, 2018 (Continued) 2018 Variance with 2014 2015 2016 2017 Final 2018 Final Actual Actual Actual Actual Budget Actual Budget General government (continued) Information technology services 33,759$ 19,872$ 692$ -$ -$ -$ -$ City hall 193,186 190,833 189,780 63,149 72,810 59,683 (13,127) Prairie center building 14,409 13,327 8,917 17,202 17,753 25,232 7,479 Public safety Law Enforcement 1,098,403 1,174,439 1,212,080 1,257,194 1,360,197 1,362,411 2,214 Fire and rescue 306,780 309,970 289,010 350,891 414,328 435,068 20,740 Fire relief 108,186 120,027 123,656 125,764 120,000 132,874 12,874 Building inspections 266,544 304,858 350,304 381,260 399,409 351,511 (47,898) Civil defense 1,660 1,500 1,234 1,933 3,265 12,332 9,067 Animal control 49,439 48,754 46,943 48,166 51,796 46,608 (5,188) National Guard 14,061 13,438 13,550 13,520 14,500 13,649 (851) Public works Public works administration 122,151 124,504 126,327 120,785 201,955 196,851 (5,104) Engineering 195,841 110,555 111,795 130,325 165,492 126,179 (39,313) Public works inspecitons 36,867 32,084 62,100 62,882 119,967 83,560 (36,407) Streets and alleys 735,629 737,836 806,098 846,575 1,038,451 891,117 (147,334) Ice and snow 308,387 263,020 264,232 267,095 292,315 344,974 52,659 Shop and garage 177,644 185,837 171,079 200,690 207,046 168,049 (38,997) Stormwater 16,842 26,712 29,277 30,743 73,465 23,883 (49,582) Parking lots 3,814 2,030 - - - - - Street lighting 195,695 226,485 231,976 245,296 270,500 244,478 (26,022) Sanitation Refuse and recycling collection 517,956 563,477 600,300 614,328 626,544 615,586 (10,958) Transit Bus service 10,000 40,000 41,250 3,191 30,000 18,333 (11,667) Recreation and culture Senior center 97,547 97,115 99,124 103,161 103,715 103,226 (489) Park operations 570,639 706,934 775,738 871,121 918,855 916,335 (2,520) Park ballfields 18,149 16,971 20,538 21,936 26,900 21,063 (5,837) Shade tree 68,891 104,990 75,802 80,922 75,050 80,916 5,866 Public arts - - - - - 29,876 29,876 Library 36,764 36,176 44,823 42,203 45,288 48,972 3,684 General unallocated Insurances and other 12,584 8,082 7,226 7,086 6,379 6,428 49 Transfers out and other uses Transfers out 293,000 297,012 - 300,000 - 700,000 700,000 Total expenditures & other uses 6,702,507$ 7,012,381$ 6,992,812$ 7,742,697$ 8,287,000$ 8,624,408$ 337,408$ Revenue and other sources over expenditures and other uses 416,495$ 655,738$ 1,289,924$ 752,373$ -$ 80,385$ 80,385 78 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Changes in Fund Balance Budget and Actual - Minnesota Investment Fund For the Year Ended December 31, 2018 220 Orginal and Final 221 Variance with Budget Actual Final Budget Revenues Investment earnings 15,000$ 10,207$ (4,793)$ Expenditures Current Economic development Repayment of program proceeds - 58,237 58,237 Excess (deficiency) of revenues over expenditures 15,000 (48,030) (63,030) Other financing sources (uses) Transfers out - (232,946) (232,946) Net change in fund balance 15,000 (280,976) (295,976) Fund balance at beginning of year 1,153,959 1,153,959 - Fund balance at end of year 1,168,959$ 872,983$ (295,976)$ 79 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Changes in Fund Balance Budget and Actual - Cemetery Fund For the Year Ended December 31, 2018 651 Orginal and Final Variance with Budget Actual Final Budget Revenues Charges for services 18,000$ 19,086$ 1,086$ Investment earnings 600 528 (72) Total revenues 18,600 19,614 1,014 Expenditures Current Recreation and culture Cemetery operations 27,723 18,501 (9,222) Net change in fund balance (9,123) 1,113 10,236 Fund balance at beginning of year 50,947 50,947 - Fund balance at end of year 41,824$ 52,060$ 10,236$ 80 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Changes in Fund Balance Budget and Actual - CDBG-Revitalization Fund For the Year Ended December 31, 2018 214 Orginal and Final Variance with Budget Actual Final Budget Revenues Investment earnings -$ 11$ 11$ Fund balance at beginning of year 369 369 - Fund balance at end of year 369$ 380$ 11$ 81 CITY OF MONTICELLO Schedule of Assets, Liabilities, Deferred Inflows of Resources and Fund Balances Economic Development Authority December 31, 2018 TIF 6 (d)TIF 19 TIF 20 (d)TIF 22 TIF 24 EDA General GMEF TIF Future Raindance MS Shores Prairie West Downtown St. Henry's ASSETS Cash and investments 1,628,980$ 982,652$ -$ 719,519$ 251,820$ 99,685$ 133,475$ 164,724$ Receivables Unremitted taxes 4,722 - - - - - - - Delinquent taxes 849 - - - - - - - Accounts 2,601 - - - - - - - Intrafund receivable 373,911 - - - - - - - Prepaid items 2,383 - - - - - - - Notes receivable - 194,124 - - - - - - Land held for resale 2,677,375 - - - - - 163,200 - TOTAL ASSETS 4,690,821$ 1,176,776$ -$ 719,519$ 251,820$ 99,685$ 296,675$ 164,724$ LIABILITIES Accounts and contracts payable 8,071$ -$ -$ -$ -$ -$ -$ -$ Due to other governmental units 29 - - - - - - - Intrafund payable - - 44,497 - - - - - Unearned revenue - - - - - - 163,200 - Total liabilities 8,100 - 44,497 - - - 163,200 - DEFERRED INFLOWS OF RESOURCES Unavailable revenue - property taxes 849 - - - - - - - FUND BALANCES Nonspendable 2,383 - - - - - - - Restricted - 1,176,776 - 719,519 251,820 99,685 133,475 164,724 Assigned 4,679,489 - (44,497) - - - - - Total fund balance 4,681,872 1,176,776 (44,497) 719,519 251,820 99,685 133,475 164,724 TOTAL LIABILITIES, DEFERRED INFLOWS OF RESOURCES, AND FUND BALANCES 4,690,821$ 1,176,776$ -$ 719,519$ 251,820$ 99,685$ 296,675$ 164,724$ Required or Actual Decertification Date 12/9/2013 12/31/2023 12/10/2018 12/31/2024 12/31/2026 TIF District Type Redevelopment Housing Redevelopment Housing & Housing (d) = decertified Redevelopment (continued) 82 CITY OF MONTICELLO Schedule of Assets, Liabilities, Deferred Inflows of Resources and Fund Balances Economic Development Authority December 31, 2018 (Continued) TIF 29 TIF 30 TIF 34 TIF 35 (d)TIF 39 TIF 40 GAAP Total Front Porch CMHP Interchange Landmark Otter Creek Briggs Reconciliation EDA ASSETS Cash and investments 113,702$ 103,980$ 5,567$ -$ 56$ -$ -$ 4,204,160$ Receivables Unremitted taxes - - - - - - - 4,722 Delinquent taxes - - - - - - - 849 Accounts - - - - - - - 2,601 Intrafund receivable - - - - - - (373,911) - Prepaid items - - - - - - - 2,383 Notes receivable - - - - - - - 194,124 Land held for resale - - - - - - - 2,840,575 TOTAL ASSETS 113,702$ 103,980$ 5,567$ -$ 56$ -$ (373,911)$ 7,249,414$ LIABILITIES Accounts and contracts payable -$ -$ -$ -$ -$ -$ -$ 8,071$ Due to other governmental units - - - - - - - 29 Intrafund payable - 122,773 - - 206,641 - (373,911) - Unearned revenue - - - - - - (163,200) - Total liabilities - 122,773 - - 206,641 - (537,111) 8,100 DEFERRED INFLOWS OF RESOURCES Unavailable revenue - property taxes - - - - - - - 849 FUND BALANCES Nonspendable - - - - - - - 2,383 Restricted 113,702 (18,793) 5,567 - (206,585) - 163,200 2,603,090 Assigned - - - - - - - 4,634,992 Total fund balance 113,702 (18,793) 5,567 - (206,585) - 163,200 7,240,465 TOTAL LIABILITIES, DEFERRED INFLOWS OF RESOURCES, AND FUND BALANCES 113,702$ 103,980$ 5,567$ -$ 56$ -$ (373,911)$ 7,249,414$ Required or Actual Decertification Date 12/31/2029 12/31/2029 12/31/2022 6/25/2018 12/31/2021 12/31/2045 TIF District Type Housing Housing Redevelopment Redevelopment Economic Housing (d) = decertified Development 83 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Other Financing Sources (Uses) Economic Development Authority For the Year Ended December 31, 2018 TIF 6 (d)TIF 19 TIF 20 (d)TIF 22 TIF 24 EDA General GMEF TIF Future Raindance MS Shores Prairie West Downtown St. Henry's Revenues Property taxes 323,186$ -$ -$ -$ -$ -$ -$ -$ Tax increments - - - - 32,187 18,909 263,401 43,271 Investment earnings 17,343 9,702 - 6,578 2,155 703 3,610 1,309 Interest on intrafund loans 12,795 - - - - - - - Other revenues 500 2,332 - - - - - - Total revenues 353,824 12,034 - 6,578 34,342 19,612 267,011 44,580 Expenditures: Current Salary and wages 80,232 - - - - - - - Benefits 31,731 - - - - - - - Professional services - legal 24,152 - - - - - - - Professional services - other 62,515 - - - - 100 1,000 100 LPV Insurance 1,011 - - - - - - - Legal and general publications 477 - - - 35 35 35 35 Property taxes 19,479 - - - - - - - Marketing 3,584 - - - - - - - Dues and membership 6,295 - - - - - - - Utilities 1,149 - - - - - 198 - IT services 3,486 - - - - - - - Travel and conferences 1,387 - - - - - - - Land adjustment to market 461,513 - - - - - - - Other expenses 10,406 - - - - - 227,167 - Excess increments - - - - - 16,739 126,245 - Interest on intrafund loans - - - - - - - - PAYG payments to third parties - - - - - 4,491 44,920 - Total expenditures 707,417 - - - 35 21,365 399,565 135 Excess (deficiency) of revenues over expenditures (353,593) 12,034 - 6,578 34,307 (1,753) (132,554) 44,445 Other financing sources (uses) Transfers in 116,473 - - - - - - - Transfers out - - - - - - - - Total other financing sources (uses)116,473 - - - - - - - Net change in fund balances (237,120) 12,034 - 6,578 34,307 (1,753) (132,554) 44,445 Fund balance at beginning of year 4,918,992 1,164,742 (44,497) 712,941 217,513 101,438 266,029 120,279 Fund balance at end of year 4,681,872$ 1,176,776$ (44,497)$ 719,519$ 251,820$ 99,685$ 133,475$ 164,724$ Required or Actual Decertification Date 12/9/2013 12/31/2023 12/10/2018 12/31/2024 12/31/2026 TIF District Type Redevelopment Housing Redevelopment Housing & Housing (d) = decertified Redevelopment (continued) 84 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Other Financing Sources (Uses) Economic Development Authority For the Year Ended December 31, 2018 (Continued) TIF 29 TIF 30 TIF 34 TIF 35 (d)TIF 39 TIF 40 GAAP Total Front Porch CMHP Interchange Landmark Otter Creek Briggs Reconciliation EDA Revenues Property taxes -$ -$ -$ -$ -$ -$ -$ 323,186$ Tax increments 26,144 10,883 201,516 - 41,967 - - 638,278 Investment earnings 1,016 946 45 - - - - 43,407 Interest on intrafund loans - - - - - - (12,795) - Other revenues - - - - - - - 2,832 Total revenues 27,160 11,829 201,561 - 41,967 - (12,795) 1,007,703 Expenditures: Current Salary and wages - - - - - - - 80,232 Benefits - - - - - - - 31,731 Professional services - legal - - - 1,954 - - - 26,106 Professional services - other 100 100 90 - - - - 64,005 LPV Insurance - - - - - - - 1,011 Legal and general publications 35 35 35 35 - - - 757 Property taxes - - - - - - - 19,479 Marketing - - - - - - - 3,584 Dues and membership - - - - - - - 6,295 Utilities - - - - - - - 1,347 IT services - - - - - - - 3,486 Travel and conferences - - - - - - - 1,387 Land adjustment to market - - - - - - - 461,513 Other expenses - - - - - - - 237,573 Excess increments - - - - - - - 142,984 Interest on intrafund loans - 3,233 - - 9,562 - (12,795) - PAYG payments to third parties 20,915 - - - - - - 70,326 Total expenditures 21,050 3,368 125 1,989 9,562 - (12,795) 1,151,816 Excess (deficiency) of revenues over expenditures 6,110 8,461 201,436 (1,989) 32,405 - - (144,113) Other financing sources (uses) Transfers in - - - - - - - 116,473 Transfers out - - (200,000) - - - - (200,000) Total other financing sources (uses)- - (200,000) - - - - (83,527) Net change in fund balances 6,110 8,461 1,436 (1,989) 32,405 - - (227,640) Fund balance at beginning of year 107,592 (27,254) 4,131 1,989 (238,990) - 163,200 7,468,105 Fund balance at end of year 113,702$ (18,793)$ 5,567$ -$ (206,585)$ -$ 163,200$ 7,240,465$ Required or Actual Decertification Date 12/31/2029 12/31/2029 12/31/2022 6/25/2018 12/31/2021 12/31/2045 TIF District Type Housing Housing Redevelopment Redevelopment Economic Housing (d) = decertified Development 85 CITY OF MONTICELLO Schedule of Assets, Liabilities, Deferred Inflows of Resources and Fund Balances Debt Service Activities December 31, 2018 317 312 318 319 320 321 322 2010A 2011A 2014A 2015B 2016A 2017A 2018A Improvement Refunding Bonds Bonds Bonds Bonds Bonds Total ASSETS Cash and cash equivalents 793,964$ 896,565$ 91,115$ 94,324$ 348,671$ 150,790$ 5,027$ 2,380,456$ Receivables Unremitted special assessments 8 - - - - 12,454 - 12,462 Deliquent special assessments 59 - - - - 702 - 761 Deferred special assessments 77,383 2,570,679 - 120,365 614,712 382,993 - 3,766,132 Total assets 871,414$ 3,467,244$ 91,115$ 214,689$ 963,383$ 546,939$ 5,027$ 6,159,811$ LIABILITIES Accounts and contracts payable 229$ 229$ 229$ 229$ 229$ 229$ -$ 1,374$ DEFERRED INFLOWS OF RESOURCES Unavailable revenue - special assessments 77,442 2,570,679 - 120,365 614,712 383,695 - 3,766,893 FUND BALANCES Restricted for debt service 793,743 896,336 90,886 94,095 348,442 163,015 5,027 2,391,544 Total liabilities, deferred inflows of resources, and fund balances 871,414$ 3,467,244$ 91,115$ 214,689$ 963,383$ 546,939$ 5,027$ 6,159,811$ General Obligation Bonds 86 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Other Financing Sources (Uses) Debt Service Activities For the Year Ended December 31, 2018 317 312 318 319 320 321 322 2010A 2011A 2014A 2015B 2016A 2017A 2018A Improvement Refunding Bonds Bonds Bonds Bonds Bonds Total Revenues Property taxes 40,000$ 148,061$ 537,586$ 203,425$ 407,769$ 450,159$ -$ 1,787,000$ Special assessments 41,106 58,260 - 24,417 127,157 76,171 - 327,111 Investment earnings 8,542 9,107 3,150 2,033 6,585 4,330 27 33,774 Total revenues 89,648 215,428 540,736 229,875 541,511 530,660 27 2,147,885 Expenditures Debt service Principal 275,000 720,000 355,000 160,000 435,000 340,000 - 2,285,000 Interest and fiscal charges 25,503 60,054 157,665 55,979 92,829 130,190 - 522,220 Total expenditures 300,503 780,054 512,665 215,979 527,829 470,190 - 2,807,220 Excess (deficiency) of revenues over expenditures (210,855) (564,626) 28,071 13,896 13,682 60,470 27 (659,335) Other financing sources Transfers in 44,899 200,000 - - - - 5,000 249,899 Net change in fund balance (165,956) (364,626) 28,071 13,896 13,682 60,470 5,027 (409,436) Fund balance at begining of year 959,699 1,260,962 62,815 80,199 334,760 102,545 - 2,800,980 Fund balance at end of year 793,743$ 896,336$ 90,886$ 94,095$ 348,442$ 163,015$ 5,027$ 2,391,544$ General Obligation Bonds 87 (This page left blank intentionally) 88 STATISTICAL SECTION STATISTICAL SECTION The Statistical Section is included to provide detailed data on the physical, economic, social and political characteristics of the reporting government. It is intended to provide the user with a broader and more complete understanding of the government and its financial affairs than is possible from the basic financial statements and supplementary information included in the Financial Section. Page Financial trends Net Position by Component - Last Ten Fiscal Years 89 Changes in Net Position - Last Ten Fiscal years 90 General Governmental Tax Revenues by Source - Last Ten Fiscal Years 92 Fund Balances of Governmental Funds - Last Ten Fiscal Years 93 Changes in Fund Balances of Governmental Funds - Last Ten Fiscal Years 94 Governmental Funds Tax Revenues by Source - Last Ten Fiscal Years 95 Revenue capacity Tax Capacity Value and Estimated Market Value of Taxable Property - Last Ten Fiscal Years 96 Property Tax Rates - All Direct and Overlapping Governments - Last Ten Fiscal Years 97 Property Tax Levies and Collections - Last Ten Fiscal Years 98 Principal Property Taxpayers - Current Year and Nine Years Ago 99 New Construction and Bank Deposits - Last Ten Fiscal Years 100 Water Sold by Customer Type (gallons) - Last Ten Fiscal Years 101 Water and Sewage Utility Rates - Last Ten Fiscal Years 102 Debt capacity Ratios of Outstanding Debt by Type - Last Ten Fiscal Years 103 Ratios of Net General Obligation Bonded Debt Outstanding - Last Ten Fiscal Years 104 Legal Debt Margin Information - Last Ten Fiscal Years 105 Computation of Direct and Overlapping Debt - As of December 31, 2018 106 Schedule of General Obligation Revenue Bond Coverage - Last Ten Fiscal Years 107 Economic and demographic information Demographic and Economic Statistics - Last Ten Fiscal Years 108 Principal Employers - Current Year and Nine Years Ago 109 Operating information City Government Employees by Function/Program - Last Ten Fiscal Years 110 Operating Indicators by Function - Last Ten Fiscal Years 111 Capital Assets Statistics by Function - Last Ten Fiscal Years 113 Schedule of Cash Flows Adjusted for Additional City Funding of Fiber Optics Fund -Last Four Fiscal Years 114 CITY OF MONTICELLO Net Position by Component Last Ten Fiscal Years (accrual basis of accounting) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Governmental activities Net investment in capital assets 33,712,370$ 31,901,676$ 38,242,040$ 40,525,009$ 44,268,757$ 48,253,810$ 38,099,568$ 41,077,683$ 41,535,637$ 43,517,983$ Restricted 17,688,193 18,337,866 16,894,936 13,061,044 18,118,070 10,453,449 12,633,770 10,569,693 11,599,951 9,649,085 Unrestricted 28,183,161 26,876,421 24,758,269 25,119,107 13,487,299 14,792,521 18,144,067 20,824,170 20,899,110 23,422,548 Total governmental net position 79,583,724$ 77,115,963$ 79,895,245$ 78,705,160$ 75,874,126$ 73,499,780$ 68,877,405$ 72,471,546$ 74,034,698$ 76,589,616$ Business-type activities Net investment in capital assets 29,910,696$ 28,556,355$ 25,031,043$ 23,698,091$ 20,496,832$ 42,117,264$ 40,722,087$ 41,014,122$ 39,944,797$ 39,250,211$ Restricted 19,350 19,350 19,350 19,350 - - - - - - Unrestricted 2,846,018 6,363,148 6,901,353 7,642,046 6,463,638 9,121,952 8,163,982 9,052,590 11,905,058 13,261,505 Total business-type net position 32,776,064$ 34,938,853$ 31,951,746$ 31,359,487$ 26,960,470$ 51,239,216$ 48,886,069$ 50,066,712$ 51,849,855$ 52,511,716$ Primary government Net investment in capital assets 63,623,066$ 60,458,031$ 63,273,083$ 64,223,100$ 64,765,589$ 90,371,074$ 78,821,655$ 82,091,805$ 81,480,434$ 82,768,194$ Restricted 17,707,543 18,357,216 16,914,286 13,080,394 18,118,070 10,453,449 12,633,770 10,569,693 11,599,951 9,649,085 Unrestricted 31,029,179 33,239,569 31,659,622 32,761,153 19,950,937 23,914,473 26,308,049 29,876,760 32,804,168 36,684,053 Total primary government net position 112,359,788$ 112,054,816$ 111,846,991$ 110,064,647$ 102,834,596$ 124,738,996$ 117,763,474$ 122,538,258$ 125,884,553$ 129,101,332$ Note 1: In fiscal years 2012 and 2013, the city had a change in accounting principle, a change in fund structure, and prior period adjustments. In addition, the city implemented GASB Statement No. 68 and GASB Statement No. 71 in fiscal year 2015, and GASB Statement No. 75 in fiscal year 2018. Prior years have not been adjusted to reflect these changes. $- $20 $40 $60 $80 $100 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018MillionsPrimary Government Net Position Net investment in capital assets Restricted net position Unrestricted net position 89 CITY OF MONTICELLO Changes in Net Position Last Ten Fiscal Years (accrual basis of accounting) Expenses 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Governmental activities General government 1,780,972$ 2,065,463$ 2,111,710$ 2,103,737$ 1,623,727$ 1,488,243$ 1,447,725$ 1,694,111$ 1,656,666$ 1,614,613$ Public safety 2,849,272 1,766,712 1,788,595 1,819,378 1,884,981 1,880,193 1,960,009 2,187,363 2,208,971 2,377,661 Public works 3,827,501 3,579,291 4,838,544 5,045,729 5,163,461 5,223,345 5,312,612 5,480,074 5,292,743 5,548,199 Sanitation 547,160 534,903 495,693 500,037 487,268 517,956 563,477 600,300 614,328 615,586 Transit - - - - - 10,000 40,000 41,250 3,191 18,333 Recreation and culture 2,855,682 2,636,088 1,753,197 2,719,730 2,875,260 2,882,127 3,524,979 3,998,945 3,521,756 3,460,887 Economic development 842,819 2,647,687 1,199,936 803,594 1,005,813 1,084,620 1,547,875 756,620 488,380 1,206,067 Interest and fiscal charges 1,673,431 1,464,012 1,248,716 1,298,869 235,265 649,854 735,753 565,774 514,558 617,344 Total governmental activities 14,376,837 14,694,156 13,436,391 14,291,074 13,275,775 13,736,338 15,132,430 15,324,437 14,300,593 15,458,690 Business-type activities Water utility 1,018,098 936,718 1,167,572 1,118,789 1,009,600 1,084,882 1,102,610 1,168,473 1,157,506 1,235,055 Sewage utility 2,074,447 2,495,976 2,340,555 2,480,657 2,466,660 2,762,357 2,661,990 2,618,887 2,708,053 2,932,413 Liquor 669,940 637,574 658,999 662,002 689,559 692,976 798,631 831,809 874,921 848,221 Fiber optics 2,792,813 3,815,377 5,702,480 5,228,428 5,240,871 2,919,170 2,536,461 2,483,262 2,252,287 2,276,015 Deputy registrar - - - - 293,531 300,236 313,968 345,492 390,658 421,662 Total business-type activities 6,555,298 7,885,645 9,869,606 9,489,876 9,700,221 7,759,621 7,413,660 7,447,923 7,383,425 7,713,366 Total primary government expenses 20,932,135$ 22,579,801$ 23,305,997$ 23,780,950$ 22,975,996$ 21,495,959$ 22,546,090$ 22,772,360$ 21,684,018$ 23,172,056$ Program Revenues Governmental activities Charges for services General government 443,976$ 491,304$ 521,182$ 619,992$ 147,244$ 180,145$ 214,087$ 274,309$ 239,460$ 207,802$ Public safety 155,036 96,293 202,237 179,540 163,366 164,616 320,158 894,311 851,307 780,236 Public works 744,241 1,556,098 508,077 383,066 544,404 371,671 521,697 527,425 283,241 217,675 Sanitation 167,119 165,387 52,304 53,077 16,653 48,385 104,786 89,956 80,774 169,337 Recreation and culture 1,139,199 1,153,113 1,240,970 1,150,273 1,307,149 1,331,581 1,488,197 1,437,659 1,493,651 1,630,915 Economic development 155,769 - - - - - 14,653 301,232 13,846 2,832 Operating grants and contributions 269,492 424,845 253,127 252,784 293,710 295,828 355,041 389,005 429,697 428,443 Capital grants and contributions 2,067,509 4,124,271 2,083,511 1,841,915 1,079,738 1,774,628 2,667,710 3,297,265 1,996,441 2,044,698 Total governmental activities program revenues 5,142,341 8,011,311 4,861,408 4,480,647 3,552,264 4,166,854 5,686,329 7,211,162 5,388,417 5,481,938 Business-type activities Charges for services Water utility 1,019,390 828,635 1,078,133 1,304,923 1,214,570 1,117,226 1,126,718 1,172,258 1,415,441 1,432,194 Sewage utility 1,371,776 1,470,537 1,712,058 1,850,919 1,981,491 2,081,660 2,083,122 2,223,252 2,472,774 2,581,833 Liquor 1,043,256 1,174,767 1,151,171 1,214,745 1,318,276 1,289,369 1,524,338 1,409,406 1,525,150 1,544,234 Fiber optics - 456,820 1,610,258 1,747,587 1,606,720 1,761,978 1,642,403 1,739,566 1,757,134 1,736,243 Deputy registrar - - - - 456,285 497,798 535,931 562,891 594,777 694,263 Capital grants and contributions - - - - - 488,628 1,454,980 2,000,456 699,901 925,195 Total business-type activities program revenues 3,434,422 3,930,759 5,551,620 6,118,174 6,577,342 7,236,659 8,367,492 9,107,829 8,465,177 8,913,962 Total primary government program revenues 8,576,763$ 11,942,070$ 10,413,028$ 10,598,821$ 10,129,606$ 11,403,513$ 14,053,821$ 16,318,991$ 13,853,594$ 14,395,900$ (continued) 90 CITY OF MONTICELLO Changes in Net Position Last Ten Fiscal Years (accrual basis of accounting) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Net (expense)/revenue Governmental activities (9,234,496)$ (6,682,845)$ (8,574,983)$ (9,810,427)$ (9,723,511)$ (9,569,484)$ (9,446,101)$ (8,113,275)$ (8,912,176)$ (9,976,752)$ Business-type activities (3,120,876) (3,954,886) (4,317,986) (3,371,702) (3,122,879) (522,962) 953,832 1,659,906 1,081,752 1,200,596 Total primary government net expense (12,355,372)$ (10,637,731)$ (12,892,969)$ (13,182,129)$ (12,846,390)$ (10,092,446)$ (8,492,269)$ (6,453,369)$ (7,830,424)$ (8,776,156)$ General Revenues and Other Changes in Net Position Governmental activities Taxes Property taxes 7,628,547$ 7,105,319$ 7,406,358$ 7,722,214$ 7,961,229$ 8,393,374$ 8,683,585$ 9,270,592$ 9,560,482$ 9,972,166$ Tax increment 1,193,021 1,155,386 1,044,791 1,024,134 965,935 826,363 727,617 668,352 648,031 638,278 Franchise taxes 48,517 371,258 341,362 339,518 320,640 357,409 333,484 412,217 436,248 386,622 Unrestricted grants and contributions 406,735 37,665 19,359 38,618 65,228 27,502 - - - - Investment earnings 770,178 859,583 1,467,780 767,722 (189,128) 784,347 278,465 375,614 379,107 364,364 Other 41,173 - - 11,575 3,885 217,643 30,473 11,180 - - Gain on sale of capital assets 366,961 442,091 354,501 540,272 489,782 - - - 1,725 15,000 Transfers 251,133 (5,774,257) 713,655 (2,420,489) 278,500 (3,411,500) 2,301,045 969,461 (550,265) 1,000,000 Total governmental activities 10,706,265 4,197,045 11,347,806 8,023,564 9,896,071 7,195,138 12,354,669 11,707,416 10,475,328 12,376,430 Business-type activities Investment earnings 188,178 236,131 495,484 264,589 (117,175) 399,757 108,191 128,080 151,126 162,003 Miscellaneous 42,360 125,326 1,555,509 100,687 65,468 - 88,157 5,218 - 379,246 Gain on extinguishment of debt - - - - - 20,990,451 - - - - Contribution of land to County - - - - - - (5,511,547) - - - Transfer of operations - - - - - - - 356,900 - - Transfers (251,133) 5,774,257 (713,655) 2,420,489 (278,500) 3,411,500 (2,301,045) (969,461) 550,265 (1,000,000) Total business-type activities (20,595) 6,135,714 1,337,338 2,785,765 (330,207) 24,801,708 (7,616,244) (479,263) 701,391 (458,751) Total primary government 10,685,670$ 10,332,759$ 12,685,144$ 10,809,329$ 9,565,864$ 31,996,846$ 4,738,425$ 11,228,153$ 11,176,719$ 11,917,679$ Changes in Net Position Governmental activities 1,471,769$ (2,485,800)$ 2,772,823$ (1,786,863)$ 172,560$ (2,374,346)$ 2,908,568$ 3,594,141$ 1,563,152$ 2,399,678$ Business-type activities (3,141,471) 2,180,828 (2,980,648) (585,937) (3,453,086) 24,278,746 (6,662,412) 1,180,643 1,783,143 741,845 Total primary government (1,669,702)$ (304,972)$ (207,825)$ (2,372,800)$ (3,280,526)$ 21,904,400$ (3,753,844)$ 4,774,784$ 3,346,295$ 3,141,523$ Note 1: The City made a fund structure change for the period ending December 31, 2013. Prior year data has not been restated as a result of this change. Note 2: The city implemented GASB Statement No. 68 and GASB Statement No. 71 in fiscal year 2015, and GASB Statement No. 75 in fiscal year 2018. Prior years have not been adjusted to reflect these changes. 91 CITY OF MONTICELLO General Governmental Tax Revenues by Source Last Ten Fiscal Years (accrual basis of accounting) Property Tax Franchise Year Tax Increment Tax Total 2009 7,628,547$ 1,193,021$ 48,517$ 8,870,085$ 2010 7,105,319 1,155,386 371,258 8,631,963 2011 7,406,358 1,044,791 341,362 8,792,511 2012 7,722,214 1,024,134 339,518 9,085,866 2013 7,961,229 965,935 320,640 9,247,804 2014 8,393,374 826,363 357,409 9,577,146 2015 8,683,585 727,617 333,484 9,744,686 2016 9,270,592 668,352 412,217 10,351,161 2017 9,560,482 648,031 436,248 10,644,761 2018 9,972,166 638,278 386,622 10,997,066 Change 2009-2018 30.7%-46.5%696.9%24.0% Source: Finance Department $- $2 $4 $6 $8 $10 $12 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018MillionsTax Revenues by Source Property Tax Tax Increment Franchise Tax 92 CITY OF MONTICELLO Fund Balances of Governmental Funds Last Ten Fiscal Years (modified accrual basis of accounting) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 General Fund Reserved 392,541$ 336,286$ -$ -$ -$ -$ -$ -$ -$ -$ Unreserved 4,705,092 4,644,748 - - - - - - - - Nonspendable - - 386,616 342,380 258,100 126,327 113,302 134,245 110,869 124,650 Restricted - - - - - - - - - - Committed - - 3,374,200 - - - - - - - Assigned - - - - - - - - - - Unassigned - - 649,821 3,136,127 3,656,463 4,204,731 4,873,494 6,142,475 6,918,224 6,984,828 Total general fund 5,097,633$ 4,981,034$ 4,410,637$ 3,478,507$ 3,914,563$ 4,331,058$ 4,986,796$ 6,276,720$ 7,029,093$ 7,109,478$ All other governmental funds Reserved 10,280,326$ 7,884,431$ -$ -$ -$ -$ -$ -$ -$ -$ Unreserved Special revenue 18,451,828 18,324,689 - - - - - - - - Capital projects (2,124,391) (1,532,220) - - - - - - - - Nonspendable - - 1,299,057 197,123 1,822,926 1,815,087 4,259,743 3,690,330 23,488 47,614 Restricted - - 22,140,662 21,480,938 10,928,985 10,453,449 8,619,905 6,987,234 7,924,461 5,867,997 Committed - - 2,662,124 - - - - - - - Assigned - - 9,138,626 8,655,488 6,485,727 7,321,744 11,109,806 13,320,718 16,910,080 17,145,463 Unassigned Special revenue - - (141,890) - - - - - - - Capital projects - - (1,435,666) - - - - - - - Total all other governmental funds 26,607,763$ 24,676,900$ 33,662,913$ 30,333,549$ 19,237,638$ 19,590,280$ 23,989,454$ 23,998,282$ 24,858,029$ 23,061,074$ Note 1: The City made a fund structure change for the period ending December 31, 2013. Prior year data has not been restated as a result of this change. Note 2: The city implemented GASB 54 for the financial reporting period ending December 31, 2011. Prior years have not been restated as a result of this change. 93 CITY OF MONTICELLO Changes in Fund Balances of Governmental Funds Last Ten Fiscal Years (modified accrual basis of accounting) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Revenues Property taxes 7,502,844$ 7,319,154$ 7,294,635$ 8,234,086$ 7,985,695$ 8,407,627$ 8,638,401$ 9,295,983$ 9,593,445$ 9,967,550$ Tax increments 1,193,021 1,155,386 1,044,791 1,024,134 965,935 826,363 727,617 668,352 648,031 638,278 Franchise taxes 48,517 371,258 341,362 339,518 320,640 357,409 333,484 412,217 436,248 386,622 Special assessments 2,462,673 1,465,264 1,856,134 1,902,871 2,065,944 1,912,932 3,318,901 984,390 946,669 700,190 Licenses and permits 266,797 217,184 249,999 275,699 331,711 378,810 461,049 668,602 600,933 504,464 Intergovernmental 1,688,895 1,620,771 1,434,420 540,475 1,264,781 732,366 1,520,239 2,041,362 1,340,094 911,477 Charges for services 2,518,548 2,890,006 2,239,584 2,076,834 1,846,919 1,722,974 2,063,520 2,222,475 1,909,357 2,098,362 Fines and forfeitures 1,220 205 85 14,338 1,725 1,900 42,474 30,656 36,702 45,350 Investment earnings 770,178 859,583 1,467,780 767,722 (183,242) 738,956 261,856 357,112 364,786 351,620 Other revenues 435,186 643,873 603,019 753,832 700,776 413,113 475,170 589,394 335,530 302,469 Total revenues 16,887,879 16,542,684 16,531,809 15,929,509 15,300,884 15,492,450 17,842,711 17,270,543 16,211,795 15,906,382 Expenditures General government 1,634,395 1,997,458 2,039,270 2,023,674 1,576,653 1,450,930 1,465,458 1,489,892 1,617,680 1,656,557 Public safety 2,738,768 1,684,296 1,728,409 1,735,579 1,805,434 1,845,073 1,972,986 2,036,777 2,178,728 2,354,453 Public works 2,074,811 1,562,155 1,675,222 1,703,849 1,707,576 1,793,162 1,734,562 1,941,750 2,009,481 2,079,305 Sanitation 547,160 534,903 495,693 500,037 505,996 517,956 563,477 600,300 614,328 615,586 Transit - - - - - 10,000 40,000 41,250 3,191 18,333 Culture and recreation 2,355,669 2,164,534 2,419,369 2,272,595 2,472,987 2,386,832 2,622,991 2,756,372 2,940,313 3,034,496 Economic development 842,819 2,647,687 1,198,449 800,540 1,011,961 1,084,620 1,237,107 530,746 486,706 1,210,053 Capital outlay 1,946,153 4,138,459 4,067,251 2,829,049 1,357,254 2,220,883 2,238,365 6,235,029 5,430,272 9,708,481 Debt service Principal 6,749,293 5,001,000 4,860,000 5,174,500 5,290,750 5,411,000 5,028,000 5,681,653 3,921,000 2,285,000 Interest and fiscal charges 1,801,392 1,553,661 1,383,095 1,290,430 930,982 658,983 570,753 529,116 470,508 522,220 Bond issuance costs - - - - - - 71,358 107,050 93,300 94,350 Total expenditures 20,690,460 21,284,153 19,866,758 18,330,253 16,659,593 17,379,439 17,545,057 21,949,935 19,765,507 23,578,834 Excess of revenues over (under) expenditures (3,802,581) (4,741,469) (3,334,949) (2,400,744) (1,358,709) (1,886,989) 297,654 (4,679,392) (3,553,712) (7,672,452) Other financing sources (uses) Long-term debt issued - 3,255,000 10,735,000 - - 6,080,000 2,605,000 4,900,000 5,000,000 5,000,000 Premium (discount) on debt issued - (19,530) 301,910 - - (12,374) 46,898 97,503 78,814 40,882 Refunded bonds redeemed - (865,000) - - (10,690,000) - - - - - Sale of capital assets 62,496 67,569 - 11,575 12,428 - 30,473 11,180 1,725 15,000 Transfers in 10,172,878 4,687,126 5,710,819 9,990,120 6,906,770 4,914,385 4,261,817 2,192,636 1,029,628 2,082,845 Transfers out (9,921,745) (4,431,158) (4,997,164) (10,732,901) (7,158,933) (8,325,885) (2,186,930) (1,223,175) (944,335) (1,182,845) Total other financing sources (uses)313,629 2,694,007 11,750,565 (731,206) (10,929,735) 2,656,126 4,757,258 5,978,144 5,165,832 5,955,882 Net change in fund balances (3,488,952)$ (2,047,462)$ 8,415,616$ (3,131,950)$ (12,288,444)$ 769,137$ 5,054,912$ 1,298,752$ 1,612,120$ (1,716,570)$ Debt service as percentage of noncapital expenditures 45.6% 38.2% 42.6% 41.4% 41.7% 40.0% 35.1% 38.0% 30.4% 20.1% Note: The city made a fund structure change for the period ending December 31, 2013. Prior year data has not been modified to reflect this change. 94 CITY OF MONTICELLO Governmental Funds Tax Revenues by Source Last Ten Fiscal Years (modified accrual basis of accounting) Property Tax Franchise Year Tax Increment Tax Total 2009 7,502,844$ 1,193,021$ 48,517$ 8,744,382$ 2010 7,319,154 1,155,386 371,258 8,845,798 2011 7,294,635 1,044,791 341,362 8,680,788 2012 8,234,086 1,024,134 339,518 9,597,738 2013 7,985,695 965,935 320,640 9,272,270 2014 8,407,627 826,363 357,409 9,591,399 2015 8,638,401 727,617 333,484 9,699,502 2016 9,295,983 668,352 412,217 10,376,552 2017 9,593,445 648,031 436,248 10,677,724 2018 9,967,550 638,278 386,622 10,992,450 Change 2009-2018 32.9%-46.5%696.9%25.7% Source: Finance Department $- $2 $4 $6 $8 $10 $12 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018MillionsTax Revenues by Source Property Tax Tax Increment Franchise Tax 95 CITY OF MONTICELLO Tax Capacity Value and Estimated Market Value of Taxable Property Last Ten Fiscal Years Total Net Tax Taxable Net Capacity as a Residential % of Commercial % of Personal % of Ag/Misc % of Tax Capacity % of Total Direct Total Percentage of Year Property Total Property Total Property Total Property Total Value Total Tax Rate Market Value Market Value 2009 7,506,973$ 41.8%9,966,873$ 55.5%174,223$ 1.0%299,191$ 1.7% 17,947,260$ 100.0%46.191 1,245,407,600$ 1.4% 2010 6,165,704 35.4%10,793,836 62.0%189,563 1.1%251,177 1.4% 17,400,280 100.0%45.822 1,188,222,100 1.5% 2011 5,307,260 31.9%10,897,898 65.5%194,825 1.2%229,016 1.4% 16,628,999 100.0%46.729 1,106,541,400 1.5% 2012 4,611,403 23.6%14,538,165 74.3%235,633 1.2%194,492 1.0% 19,579,693 100.0%49.773 1,219,719,700 1.6% 2013 4,824,117 25.4%13,793,916 72.5%239,129 1.3%164,609 0.9% 19,021,771 100.0%42.234 1,201,075,800 1.6% 2014 5,408,138 21.9%18,818,097 76.4%235,713 1.0%184,750 0.7% 24,646,698 100.0%44.709 1,513,570,400 1.6% 2015 5,861,759 22.1%20,316,219 76.4%238,732 0.9%164,516 0.6% 26,581,226 100.0%35.737 1,712,125,200 1.6% 2016 6,505,649 23.0%21,386,874 75.6%248,668 0.9%166,437 0.6% 28,307,628 100.0%34.471 1,828,437,600 1.5% 2017 7,325,880 24.2%22,510,588 74.4%272,344 0.9%141,596 0.5% 30,250,408 100.0%33.172 1,962,020,100 1.5% 2018 8,086,159 27.1%21,262,918 71.4%286,580 1.0%148,899 0.5% 29,784,556 100.0%32.333 1,974,154,400 1.5% Note 1: The fiscal year is for the values in the year levied for taxes collectible in the following year. Note 2: Tax exempt property values are not included in total taxable net tax capacity value. Source: Wright County Certificate of Taxes and Taxable Properties. Real Property $- $5 $10 $15 $20 $25 $30 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018MillionsTotal Taxable Net Tax Capacity Value (Excludes Personal and Ag/Misc Property) Residential Commercial 96 CITY OF MONTICELLO Property Tax Rates - All Direct and Overlapping Governments Last Ten Fiscal Years Monticello Total (1) City Wright School Special Direct and Year of Monticello County District #882 Districts Overlapping 2009 46.19 32.57 26.08 2.07 106.91 2010 45.82 35.82 24.95 1.75 108.34 2011 46.73 39.31 27.03 1.50 114.57 2012 49.77 43.45 28.26 1.24 122.72 2013 42.23 44.29 26.23 0.61 113.36 2014 44.71 43.45 28.27 -116.43 2015 35.74 40.59 22.88 -99.21 2016 34.47 39.97 20.86 1.08 96.38 2017 33.17 39.60 16.24 1.02 90.03 2018 32.33 39.95 15.62 1.09 88.99 Note 1: Source:Wright County Overlapping Taxing Districts Information reflects total tax rates levied by each entity. Tax rates are expressed in terms of “net tax capacity.” A property’s tax capacity is determined by multiplying its taxable market value by a state determined class rate. Class rates vary by property type and change periodically based on state legislation. Components of the direct rate are not readily available. 0 20 40 60 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018Rate %Property Tax Rates For the three highest taxing authorities Wright District #882 City 97 CITY OF MONTICELLO Property Tax Levies and Collections Last Ten Fiscal Years PROPERTY TAXES Total Tax Collections in Abatements Fiscal Levy for Tax Net % of Subsequent % of and % of Year Fiscal Year Credits Levy Amount Net Levy Years Amount Net Levy Adjustments Amount Net Levy 2009 7,750,119$ 263,587$ 7,486,532$ 7,237,730$ 96.7% 215,996$ 7,453,726$ 99.6% (32,806)$ -$ 0.0% 2010 7,648,269 278,930 7,369,339 7,155,141 97.1% 187,503 7,342,644 99.6% (26,695) - 0.0% 2011 7,677,351 293,075 7,384,276 7,178,807 97.2% 185,426 7,364,233 99.7% (19,706) 337 0.0% 2012 7,850,042 - 7,850,042 7,759,174 98.8% 33,099 7,792,273 99.3% (57,415) 354 0.0% 2013 7,900,724 - 7,900,724 7,827,356 99.1% 38,464 7,865,820 99.6% (33,113) 1,791 0.0% 2014 8,151,086 - 8,151,086 8,109,373 99.5% 32,707 8,142,080 99.9% (7,012) 1,994 0.0% 2015 8,535,565 - 8,535,565 8,498,745 99.6% 21,126 8,519,871 99.8% (12,524) 3,170 0.0% 2016 9,205,700 - 9,205,700 9,177,787 99.7% 21,019 9,198,806 99.9% (3,572) 3,322 0.0% 2017 9,430,000 - 9,430,000 9,416,303 99.9% 10,054 9,426,357 100.0% (323) 3,320 0.0% 2018 9,870,000 - 9,870,000 9,850,163 99.8% - 9,850,163 99.8% - 19,837 0.2% TAX INCREMENTS Total Tax Collections in Abatements Fiscal Levy for Tax Net % of Subsequent % of and % of Year Fiscal Year Credits Levy Amount Net Levy Years Amount Net Levy Adjustments Amount Net Levy 2009 1,247,605$ -$ 1,247,605$ 1,205,582$ 96.6% 39,200$ 1,244,782$ 99.8%(2,823)$ -$ 0.0% 2010 1,193,383 - 1,193,383 1,144,243 95.9% 36,309 1,180,552 98.9%(12,831) - 0.0% 2011 1,071,686 - 1,071,686 1,044,309 97.4% 25,742 1,070,051 99.8%(1,635) - 0.0% 2012 955,039 - 955,039 953,400 99.8% - 953,400 99.8%(1,639) - 0.0% 2013 971,745 - 971,745 970,071 99.8% - 970,071 99.8%(1,674) - 0.0% 2014 869,425 - 869,425 869,339 100.0% 60 869,399 100.0%(26) - 0.0% 2015 729,130 - 729,130 727,558 99.8% - 727,558 99.8%(1,572) - 0.0% 2016 668,351 - 668,351 668,351 100.0% - 668,351 100.0%- - 0.0% 2017 650,375 - 650,375 648,033 99.6% - 648,033 99.6%(2,342) - 0.0% 2018 640,584 - 640,584 638,278 99.6% - 638,278 99.6%(2,306) - 0.0% Source: Wright County Year of the Net Levy to Date Total Uncollected Collected within the Total Collections Year of the Net Levy to Date Total Uncollected Collected within the Total Collections 98 CITY OF MONTICELLO Principal Property Taxpayers Current Year and Nine Years Ago Percentage of Percentage of (1)Taxable Net Tax Total Net Tax Taxable Net Tax Total Net Tax Taxpayer Market Value Capacity Value Rank Capacity Value Market Value Capacity Value Rank Capacity Value Xcel Energy (Northern States)895,655,200$ 17,906,151$ 1 59.2%251,650,100$ 5,025,557$ 1 29.0% IRET Properties 16,947,500 211,844 2 0.7% Walmart Real Estate Bus Trust 10,185,000 202,950 3 0.7%12,869,100 253,830 3 1.5% Target Corporation 10,000,000 199,250 4 0.7%13,161,600 262,482 2 1.5% CentraCare Medical Center (New River)7,272,000 145,440 5 0.5% Home Depot USA, Inc.6,501,500 129,280 6 0.4%8,263,000 164,510 4 1.0% Mills Fleet Farm 7,755,400 128,368 7 0.4% Minnegasco Inc.5,182,600 102,521 8 0.3% Spirit Master Funding (Muller Theatres)5,156,300 101,626 9 0.3%7,844,000 155,602 5 0.9% AX TC Retail, LP 4,092,900 81,858 10 0.3% Jacob Holdings of Sandberg Road 7,142,000 154,170 6 0.9% Jacob Holdings of Monticello, LLC 5,096,200 148,476 7 0.9% L&P Ventures, LLC 5,291,000 143,022 8 0.8% Ryan Companies 7,843,000 133,904 9 0.8% Tapper’s Holdings, LLC 5,286,900 104,238 10 0.6% 968,748,400$ 19,209,288$ 63.5%324,446,900$ 6,545,791$ 37.8% (1) The market value and taxable net tax capacity value is for taxes levied in 2017, which are payable in 2018. Source: Wright County Certificate of Taxes and Taxable Properties and 2009 City of Monticello CAFR 2018 2009 99 CITY OF MONTICELLO New Construction and Bank Deposits Last Ten Fiscal Years New New New New Total New Commercial Commercial Residential Residential Residential &Percent Year Permits Value Permits Value Commercial Total (1)Change 2009 1 1,346,120$ 9 1,588,241$ 2,934,361$ 1,333,427$ -0.9% 2010 3 2,070,000 2 319,118 2,389,118 1,288,460 -3.4% 2011 5 1,987,000 2 336,606 2,323,606 1,389,163 7.8% 2012 2 880,000 22 3,520,415 4,400,415 1,407,421 1.3% 2013 3 1,790,000 52 8,920,580 10,710,580 1,425,497 1.3% 2014 3 2,106,000 72 12,317,617 14,423,617 1,486,376 4.3% 2015 2 763,000 44 8,836,399 9,599,399 1,557,782 4.8% 2016 7 19,425,000 61 12,750,071 32,175,071 1,643,984 5.5% 2017 3 3,270,264 64 13,358,118 16,628,382 1,765,565 7.4% 2018 4 6,783,829 58 12,148,575 18,932,404 1,827,691 3.5% (1) Reported for Wright County as of June 30 Source: City of Monticello building department and FDIC Market Share Reports Bank Deposits (000s)Building Permits $- $5,000,000 $10,000,000 $15,000,000 $20,000,000 $25,000,000 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 New Residential and Commercial Construction Residential Commercial 100 CITY OF MONTICELLO Water Sold by Customer Type Last Ten Fiscal Years (gallons) Total % of % of % of % of Water % of Year Residential Total Commercial Total Industrial Total Government Total Sold Total 2009 430,263,791 75.0%69,825,753 12.2%38,713,057 6.8%34,601,796 6.0%573,404,397 100.0% 2010 376,687,840 67.1%90,001,208 16.0%47,225,176 8.4%47,227,405 8.4%561,141,629 100.0% 2011 348,580,072 66.0%84,194,027 15.9%50,971,196 9.7%44,219,755 8.4%527,965,050 100.0% 2012 426,358,402 69.0%97,281,410 15.7%46,654,712 7.5%47,866,428 7.7%618,160,952 100.0% 2013 383,079,041 68.8%85,819,687 15.4%45,954,136 8.2%42,206,803 7.6%557,059,667 100.0% 2014 328,835,772 68.2%79,370,922 16.5%38,308,124 7.9%35,566,000 7.4%482,080,818 100.0% 2015 325,188,041 68.1%76,283,322 16.0%38,897,216 8.1%37,005,919 7.8%477,374,498 100.0% 2016 329,068,876 67.7%77,795,226 16.0%42,407,860 8.7%36,647,583 7.5%485,919,545 100.0% 2017 371,596,967 67.7%93,770,712 17.1%43,220,312 7.9%40,409,649 7.4%548,997,640 100.0% 2018 352,322,681 67.3%89,911,481 17.2%43,067,083 8.2%38,128,401 7.3%523,429,646 100.0% Source: City of Monticello utility billing department 0 100 200 300 400 500 600 700 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018MillionsWater Sold by Customer Type (gallons) Government Industrial Commercial Residential 101 CITY OF MONTICELLO Water and Sewage Utility Rates Last Ten Fiscal Years Rate Tier 1 Rate Tier 2 Rate Tier 3 Rate Tier 4 Rate Tier 1 Rate Tier 2 Rate Tier 3 Rate Tier 4 Rate Tier 1 Rate Tier 1 Base Rate 501–4,000 4,001–13,369 Over 13,369 Base Rate 501–4,000 4,001–13,369 Over 13,369 Base Rate Over 500 Fiscal First 500 per 100 per 100 per 100 First 500 per 100 per 100 per 100 First 500 per 100 Year Cubic Feet Cubic Feet Cubic Feet Cubic Feet Cubic Feet Cubic Feet Cubic Feet Cubic Feet Cubic Feet Cubic Feet 2009 12.40$ 0.78$ 0.88$ N/A 12.40$ 0.78$ N/A N/A 14.45$ 2.60$ 2010 13.00 0.85 0.95 N/A 14.75 0.95 N/A N/A 15.15 2.75 2011 14.30 0.95 1.10 1.20 14.30 0.95 1.10 1.20 16.75 3.00 2012 15.44 1.03 1.19 1.30 15.44 1.03 1.19 1.30 18.76 3.36 2013 17.00 1.13 1.31 1.43 17.00 1.13 1.31 1.43 20.65 3.70 2014 17.00 1.13 1.31 1.43 17.00 1.13 1.31 1.43 20.65 3.70 2015 17.85 1.19 1.38 1.50 17.85 1.19 1.38 1.50 21.69 3.89 2016 18.85 1.22 1.41 1.50 18.85 1.22 1.41 1.50 22.69 3.97 Rate Tier 1 Rate Tier 2 Rate Tier 3 Rate Tier 4 Rate Tier 1 Rate Tier 2 Rate Tier 3 Rate Tier 4 Rate Tier 1 Rate Tier 1 Base Rate 1,001–10,000 10,001–33,000 Over 33,000 Base Rate 1,001–10,000 10,001–33,000 Over 33,000 Base Rate Over 1,000 Fiscal First 1,000 per 1,000 per 1,000 per 1,000 First 1,000 per 1,000 per 1,000 per 1,000 First 1,000 per 1,000 Year Gallons Gallons Gallons Gallons Gallons Gallons Gallons Gallons Gallons Gallons 2017 6.45 1.66 1.92 2.09 6.45 1.66 1.92 2.09 8.05 5.48 2018 6.95 1.70 1.97 2.15 6.95 1.70 1.97 2.15 8.75 5.63 N/A – Not Available Note: The city began billing monthly in 2017. Source: City of Monticello fee schedule Residential Commercial Water Sewage Residential Commercial Water Sewage 102 CITY OF MONTICELLO Ratios of Outstanding Debt by Type Last Ten Fiscal Years 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Governmental activities General obligation bonds Special assessment 21,535,000$ 21,320,000$ 29,490,000$ 26,625,000$ 13,010,000$ 12,203,653$ 11,689,653$ 12,730,000$ 12,695,000$ 10,925,000$ Other 12,822,903 11,531,903 10,196,903 8,877,403 7,506,653 10,487,000 9,563,000 7,686,000 5,785,000 5,375,000 Tax abatement - - - - - - - - 2,960,000 7,800,000 Tax increment 470,000 - - - - - - - - - Net premium (discount) 631,516 572,079 818,803 744,748 265,320 67,350 190,196 159,266 128,336 105,777 Total GO bonds 35,459,419 33,423,982 40,505,706 36,247,151 20,781,973 22,758,003 21,442,849 20,575,266 21,568,336 24,205,777 Certificates of indebtedness - - - - 445,000 385,000 325,000 265,000 200,000 135,000 Total general obligation debt 35,459,419 33,423,982 40,505,706 36,247,151 21,226,973 23,143,003 21,767,849 20,840,266 21,768,336 24,340,777 Non-general obligation bonds Revenue 5,209,011 4,612,454 3,690,898 2,739,341 1,782,784 985,000 - - - - Total governmental activites 40,668,430$ 38,036,436$ 44,196,604$ 38,986,492$ 23,009,757$ 24,128,003$ 21,767,849$ 20,840,266$ 21,768,336$ 24,340,777$ Business-type activities General obligation revenue bonds 837,097$ 747,097$ 654,097$ 568,597$ 3,479,347$ 3,206,347$ 2,930,347$ 2,460,000$ 2,280,000$ 2,095,000$ Non-general obligation Revenue bonds 26,445,000 26,445,000 26,445,000 26,445,000 26,445,000 - - - - - PFA loans - - - - - - 615,268 1,927,850 1,998,402 1,903,000 Net premium (discount) (479,980) (457,441) (434,904) (412,366) (360,211) 31,941 30,339 27,354 23,495 21,510 Total business-type activities 26,802,117$ 26,734,656$ 26,664,193$ 26,601,231$ 29,564,136$ 3,238,288$ 3,575,954$ 4,415,204$ 4,301,897$ 4,019,510$ Total primary government 67,470,547$ 64,771,092$ 70,860,797$ 65,587,723$ 52,573,893$ 27,366,291$ 25,343,803$ 25,255,470$ 26,070,233$ 28,360,287$ % of personal income (1) 15.7% 15.8% 15.3% 13.2% 10.1% 5.1% 4.4% 4.2% 4.2% 4.4% Per capita debt (1) 5,879$ 5,632$ 5,554$ 5,071$ 4,055$ 2,106$ 1,931$ 1,899$ 1,944$ 2,115$ (1) See the Schedule of Demographic and Economic Statistics. Source: Details regarding the city’s outstanding debt can be found in the notes to basic financial statements. 103 CITY OF MONTICELLO Ratios of Net General Obligation Bonded Debt Outstanding Last Ten Fiscal Years Percentage of Less Net Estimated General Position Actual Market Obligation Restricted for Value of Year Bonds (1)Debt Service Total Property (2)Per Capita (3) 2009 36,296,516$ 17,688,193$ 18,608,323$ 1.49%1,621$ 2010 34,171,079 18,337,866 15,833,213 1.33%1,377 2011 41,159,803 16,894,936 24,264,867 2.19%1,902 2012 36,815,748 13,061,044 23,754,704 1.95%1,836 2013 24,706,320 9,660,316 15,046,004 1.25%1,161 2014 26,349,350 9,942,901 16,406,449 1.08%1,263 2015 24,728,535 9,266,800 15,461,735 0.90%1,178 2016 23,327,620 7,009,231 16,318,389 0.89%1,227 2017 24,071,831 6,359,147 17,712,684 0.90%1,321 2018 26,457,287 6,082,504 20,374,783 1.03%1,503 (1) Does not include revenue bonds. (2) See the Schedule of Taxable Net Tax Capacity Value and Estimated Market Value of Taxable Property for the estimated actual market value. (3) See the Schedule of Demographic and Economic Statistics. Source: Details regarding the city’s outstanding debt can be found in the notes to basic financial statements. 104 CITY OF MONTICELLO Legal Debt Margin Information Last Ten Fiscal Years 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 38,074,842$ 35,646,663$ 33,196,242$ 36,591,591$ 35,671,296$ 45,407,112$ 51,363,756$ 54,853,128$ 58,860,603$ 59,224,632$ Total net debt applicable to debt limit 5,585,000 4,985,000 4,365,000 3,795,000 6,200,000 10,872,000 9,888,000 7,951,000 8,945,000 13,310,000 Legal debt margin 32,489,842$ 30,661,663$ 28,831,242$ 32,796,591$ 29,471,296$ 34,535,112$ 41,475,756$ 46,902,128$ 49,915,603$ 45,914,632$ Total net debt applicable to debt limit as a percentage of debt limit 14.7% 14.0% 13.1% 10.4% 17.4% 23.9% 19.3% 14.5% 15.2% 22.5% Market value 1,974,154,400$ Debt limit (3% of market value) 59,224,632$ Debt applicable to limit General obligation bonds 26,330,000 Less amounts for general obligation bonds not subject to debt limit (13,020,000) Total net debt applicable to limit 13,310,000 Legal debt margin 45,914,632$ Source: Details regarding the city’s outstanding debt can be found in the notes to basic financial statements. Market value data provided in Wright County Certificate of Taxes and Taxable Properties. Legal Debt Margin Calculation for Fiscal Year 2018 Fiscal Year Legal debt limit 105 CITY OF MONTICELLO Computation of Direct and Overlapping Debt As of December 31, 2018 Estimated Gross percentage Amount bonded debt applicable applicable to Jurisdiction outstanding to city (1)city DIRECT DEBT: City of Monticello 24,340,777$ 100.0%24,340,777$ OVERLAPPING DEBT: I.S.D. 882 47,345,000 74.4%35,224,680 Wright County 95,840,000 17.5%16,772,000 Total Overlapping Debt 51,996,680 Total direct and overlapping debt 76,337,457$ (1) Note: Source: The Wright County auditor provided the debt outstanding and estimated applicable percentages for the school district and county. The percentage of overlapping debt applicable is estimated using taxable assessed property values. Applicable percentages were estimated by determining the portion of the government’s taxable assessed value that is within the City’s boundaries and dividing it by the government’s total taxable assessed value. Overlapping governments are those that coincide, at least in part, with the geographic boundaries of the City. This schedule estimates the portion of the outstanding debt of those overlapping governments that is borne by the residents and businesses of the City. This process recognizes that, when considering the government’s ability to issue and repay long-term debt, the entire debt burden borne by the residents and businesses should be taken into account. However, this does not imply that every taxpayer is a resident and, therefore, responsible for repaying the debt of each overlapping government. 106 CITY OF MONTICELLO Schedule of General Obligation Revenue Bond Coverage Last Ten Fiscal Years Sewage Fund: Net Revenue Gross Operating Available for Year (3)Revenues (1)Expenses(2)Debt Service Principal Interest Total Coverage 2013 2,006,718$ 1,476,418$ 530,300$ -$ -$ -$ - 2014 2,081,660 1,570,197 511,463 273,000 91,963 364,963 140.1% 2015 2,083,122 1,479,157 603,965 276,000 84,158 360,158 167.7% 2016 2,223,252 1,411,831 811,421 570,830 78,002 648,832 125.1% 2017 2,472,774 1,552,617 920,157 289,000 63,823 352,823 260.8% 2018 2,581,833 1,674,428 907,405 287,149 81,125 368,274 246.4% (1) Total revenues does not include investment earnings. (2) Total operating expenses excluding depreciation. (3) The first year of bond payments is 2014. Schedule excludes telecommunications bonds. No other revenue bonds existed before 2013. Source: Finance Department Debt Service Requirements (3) 107 CITY OF MONTICELLO Demographic and Economic Statistics Last Ten Fiscal Years Per Estimated Capita Unemployment School Personal Personal Year Population (1)rate (2)Enrollment (3)Income (4)Income (5) 2009 11,476 7.9%3,928 430,923,800$ 37,550$ 2010 11,501 8.8%3,932 410,758,215 35,715 2011 12,759 7.5%3,921 462,041,667 36,213 2012 12,935 6.2%3,989 498,178,590 38,514 2013 12,964 4.6%4,031 520,193,464 40,126 2014 12,993 3.8%4,010 531,660,567 40,919 2015 13,125 3.7%4,115 570,058,125 43,433 2016 13,299 4.3%4,119 603,960,786 45,414 2017 13,409 3.5%4,074 620,461,248 46,272 2018 13,553 3.4%4,157 644,811,081 47,577 Notes/sources: (1) (2) (3) (4) (5) 2010 U.S. Bureau of Census; 2009 and 2011–2018 Minnesota State Demographic Center population estimates. Annual average unemployment rate for Wright County provided by the Minnesota Department of Employment & Economic Development. ISD No. 882 enrollment information was obtained from the District's CAFR for the year ended June 30, 2018. This estimated personal income number is calculated by taking the per capita personal income and multiplying it by the city’s population. Also see note (5) regarding the per capita personal income figures. Per capita personal income data is provided by the Bureau of Economic Analysis. Monticello's estimates are based on Wright County information. Wright County, where Monticello is located, is the smallest, relevant statistical tracking area. Data is subject to annual revisions by the Bureau of Economic Analysis. 108 CITY OF MONTICELLO Principal Employers Current Year and Nine Years Ago Percentage of Percentage of Total City Total City Employer Employees Rank Employment (1)Employees Rank Employment (1) Xcel Energy (Northern States)700 1 9.5%422 3 7.1% ISD No. 882 (Monticello)576 2 7.9%455 2 7.6% CentraCare Medical Center (New River)500 3 6.8%515 1 8.6% Cargill Kitchen Solutions (Sunny Fresh)433 4 5.9%396 4 6.6% Wal-Mart Supercenter 325 5 4.4%325 5 5.4% City of Monticello 188 6 2.6%151 6 2.5% Home Depot 160 7 2.2% Target 150 8 2.0% Ultra Machine Corporation 140 9 1.9%130 8 2.2% Cub Foods 100 10 1.4%122 9 2.0% Denny Hecker Monticello 150 7 2.5% Monticello Clinic 98 10 1.6% 3,272 46.4%2,764 44.8% (1) The city estimates its workforce by using the city's percentage of total county population and multiplying that number by the county's total workforce. Source: City of Monticello 2018A Bond Statement and 2009 City of Monticello CAFR 2018 2009 109 CITY OF MONTICELLO City Government Employees by Function/Program Last Ten Fiscal Years 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Employees by function General Fund General government 9.60 11.00 11.00 11.00 11.00 12.50 12.50 13.50 11.50 13.50 Public Safety Building Official 3.00 3.00 3.00 3.00 3.00 3.00 4.00 4.00 4.00 3.00 Public works Engineering 3.00 3.00 3.00 3.00 1.00 1.00 1.00 1.00 1.00 1.00 Maintenance(1)19.50 19.50 19.00 19.00 19.00 18.50 18.50 18.50 10.50 9.50 Culture and recreation Parks 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 13.00 10.00 Community development 2.00 2.00 2.00 2.00 2.00 2.00 2.00 2.00 2.00 2.00 Special Revenue Funds Culture and recreation Community center-FT 8.00 8.00 8.00 8.00 8.00 7.50 7.50 7.50 7.50 7.50 Community center-PT(2)36.50 36.50 36.50 36.50 36.50 36.50 36.50 36.50 38.00 40.00 Enterprise Funds Sewer/water 4.00 4.00 4.00 4.00 4.00 4.00 5.00 5.00 7.00 6.00 Deputy registrar(3)5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 7.50 7.00 Liquor store 10.00 10.00 10.00 10.00 10.00 11.50 11.50 11.50 16.00 17.00 FiberNet(4)6.00 11.00 11.50 11.50 8.50 8.50 8.50 - - - Total 111.60 118.00 118.00 118.00 113.00 115.00 117.00 109.50 118.00 116.50 Employees by fund type General Fund 42.10 43.50 43.00 43.00 41.00 42.00 43.00 44.00 42.00 39.00 Special Revenue Funds 44.50 44.50 44.50 44.50 44.50 44.00 44.00 44.00 45.50 47.50 Enterprise Funds 25.00 30.00 30.50 30.50 27.50 29.00 30.00 21.50 30.50 30.00 111.60 118.00 118.00 118.00 113.00 115.00 117.00 109.50 118.00 116.50 FT = Full-time PT = Part-time (1) Includes seasonal public works (2) Years 2007-2013 were estimated 2014 levels as data was not previously tracked. (3) Prior to 2013, the deputy registrar function was included with general government. Prior years were restated. (4) Management and operations were contracted beginning July 1, 2016. Source: City of Monticello human resources department Fiscal Year 110 CITY OF MONTICELLO Operating Indicators by Function Last Ten Fiscal Years 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Function Fire Calls for service 375 282 284 237 270 286 262 270 312 265 Public works Salt (tons) 475 521 445 300 475 385 534 525 461 585 Sand (tons) 615 710 547 335 325 600 285 300 397 329 Crack sealant (pounds) 15,000 23,580 11,384 1,492 25,739 23,282 29,580 49,039 46,721 46,868 Asphalt repairs (tons of asphalt) 200 200 253 220 225 190 293 220 167 164 Culture and recreation Shade trees planted 425 150 140 220 275 270 257 280 320 305 Diseased trees removed 200 180 113 205 71 46 208 60 40 12 Trails maintained (miles) 17 17 17 17 17 18 18 20 40 40 Community center users 186,279 183,527 190,014 175,272 211,234 204,134 199,228 197,523 188,124 183,523 Program sales 149,829$ 167,723$ 168,159$ 162,227$ 192,708$ 184,125$ 213,924$ 193,628$ 162,461$ 203,067$ Rental revenue 127,612$ 184,913$ 154,962$ 149,733$ 163,329$ 150,964$ 154,938$ 168,353$ 190,343$ 199,200$ Economic development Permits issued 879 495 372 632 659 721 768 802 911 855 Permit valuation 11,630,000$ 9,033,078$ 5,333,124$ 12,285,873$ 15,821,223$ 19,714,895$ 36,242,742$ 59,426,683$ 43,853,123$ 33,125,788$ New single-family dwellings 9 2 2 22 52 72 44 61 64 58 Water Meters/remotes replaced 280 145 215 418 235 598 694 991 734 606 Curb box repairs (water valves) 200 200 200 100 100 100 100 100 100 50 Hydrant repair 175 175 430 300 300 203 430 250 177 159 Residential water gallons used 430,263,791 376,687,840 348,580,072 426,358,402 383,079,041 328,835,772 325,188,041 329,068,876 371,596,967 352,322,681 Avg. daily consumption (MG) 1.806 1.625 1.557 1.798 1.621 1.400 1.308 1.419 1.580 1.540 Max. daily gallons pumped (MG) 4.496 3.565 4.116 4.590 4.269 4.031 3.203 3.450 4.168 3.400 Sewer Sewage flow (MG) 390 398 431 408 392 435 417 432 445 434 Thickened sludge (wet tons) n/a n/a n/a n/a n/a 1,924 1,549 1,449 1,578 2,115 Thickened sludge (dry tons) n/a n/a n/a n/a n/a 264 236 216 229 333 Dry tons as % of wet tons n/a n/a n/a n/a n/a 0 0 14.9% 14.5% 15.7% Library Items checked out 219,694 248,327 228,886 237,938 263,220 199,182 195,235 190,433 182,986 182,691 Programs offered 170 164 153 149 173 169 167 212 290 287 Program participants 4,100 3,604 3,807 3,761 3,773 3,788 3,919 4,306 5,336 5,059 Fiscal Year (continued) 111 CITY OF MONTICELLO Operating Indicators by Function Last Ten Fiscal Years (continued) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Fiber optics Customers n/a n/a n/a n/a n/a 1,539 1,574 1,630 1,671 1,639 Service subscriptions n/a n/a n/a n/a n/a 2,755 2,656 2,589 2,528 2,388 TV customers n/a n/a n/a n/a n/a 813 714 641 543 458 Phone customers n/a n/a n/a n/a n/a 582 518 461 431 386 Internet customers n/a n/a n/a n/a n/a 1,360 1,424 1,487 1,554 1,544 Liquor store Transactions n/a n/a n/a n/a n/a 229,236 237,535 235,901 248,356 261,071 Average liquor sale transaction n/a n/a n/a n/a n/a 22 22.42$ 22.39$ 22.42$ 22.56$ Beer sales 2,187,948$ 2,289,801$ 2,328,735$ 2,483,194$ 2,539,168$ 2,604,942$ 2,763,478$ 2,768,394$ 2,933,853$ 3,074,408$ Liquor sales 1,214,817$ 1,251,448$ 1,343,109$ 1,396,521$ 1,506,776$ 1,546,118$ 1,634,198$ 1,624,908$ 1,739,562$ 1,909,953$ Wine sales 575,521$ 657,562$ 748,908$ 812,832$ 860,817$ 868,779$ 927,732$ 889,082$ 894,151$ 904,385$ Other sales n/a n/a n/a n/a 138,854$ 145,903$ 166,654$ 171,420$ 192,615$ 201,482$ Gross profit margin % - beer 15.7% 20.4% 19.1%20.3% 22.5% 21.4% 25.6% 21.1% 23.2% 21.4% Gross profit margin % - liquor 26.8% 29.6% 28.0%29.3% 27.7% 30.3% 29.8% 29.0% 26.6% 29.0% Gross profit margin % - wine 20.2% 26.8% 28.5%31.4% 29.7% 30.7% 31.5% 32.5% 34.4% 32.5% Annual sales increase 7.0% 2.9% 3.9%4.1% 4.1% 2.4% 6.3% -0.7% 5.6% 5.7% Sunday sales (started July 2017) n/a n/a n/a n/a n/a n/a n/a n/a 316,281$ 592,335$ Deputy registrar (DMV) Motor vehicle transactions* 48,000 51,250 54,814 56,211 55,261 60,051 64,927 67,508 70,605 110,574 DNR transactions 5,646 5,982 5,616 5,465 5,727 5,949 5,914 6,318 5,873 7,009 Game/fish transactions 250 156 325 509 445 433 387 600 647 549 Drivers licenses transactions 450 605 579 814 951 1,462 1,294 1,465 1,390 1,411 Total transactions 54,346 57,993 61,334 62,999 62,384 67,895 72,522 75,891 78,515 119,543 Dealerships serviced n/a n/a n/a n/a 19 19 19 21 26 26 Net revenue per transaction n/a n/a 1.71$ 2.75$ 2.68$ 2.91$ 3.02$ 3.05$ 2.66$ 2.21$ N/A = Not Available MG = Millions of Gallons Notes: Indicators are not available for the general government function. State implementation of MNLARS changed how transactions are counted in 2018. Sources: Various city departments Fiscal Year 112 CITY OF MONTICELLO Capital Assets Statistics by Function Last Ten Fiscal Years 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Function Public safety Fire Fire stations in service 1 1 1 1 1 1 1 1 1 1 Number of volunteers 30 30 30 30 30 30 30 30 30 30 Public works Streets (miles)68.0 68.0 68.0 68.0 68.0 68.0 68.0 68.0 69.0 70.0 Recreation and culture Parks acreage 180 509 635 635 696 860 326 367 367 404 Parks 20 28 28 28 28 30 30 30 30 30 Park buildings 11 15 15 15 15 15 15 15 15 18 Community center (sq. ft.)81,000 81,000 81,000 81,000 82,000 82,000 82,000 82,000 82,000 82,000 Water Fire hydrants 700 700 700 700 700 700 700 700 700 700 Note: No capital asset indicators are available for the general government and economic development functions. Note: The city contributed jointly-owned land at the Bertram Chain of Lakes to Wright County in 2015. Source: Various city departments 113 Schedule of Cash Flows Adjusted for Additional City Funding of Fiber Optics Fund Last Four Fiscal Years 2015 2016 2017 2018 Cash flows from operating activities Cash received from customers and users 1,733,236$ 1,613,032$ 1,886,377$ 1,679,899$ Cash paid to suppliers for goods and services (1,332,231) (1,657,929) (1,955,033) (1,877,048) Cash paid to employees (565,657) (322,670) (18,367) (205) Cash paid to other funds for services provided (24,291) (26,929) - (1,530) Net cash used by operating activities (188,943) (394,496) (87,023) (198,884) Cash flows from noncapital financing activities Transfers from other funds 450,000 350,000 180,000 130,000 Cash flows from capital and related financing activities Sale of assets 29,850 - - - Cash flows from investing activities Interest on investments 8,255 5,783 4,490 3,216 Net increase (decrease) in cash and cash equivalents 299,162 (38,713) 97,467 (65,668) Additional city funding Transfer from liquor fund (450,000) (350,000) (180,000) (130,000) 2014A debt service paid by property tax levy (163,712) (515,519) (512,086) (512,665) Adjusted net decrease in cash and cash equivalents (314,550)$ (904,232)$ (594,619)$ (708,333)$ CITY OF MONTICELLO $(1,000,000) $(800,000) $(600,000) $(400,000) $(200,000) $- $200,000 $400,000 2015 2016 2017 2018 Fiber Optics Fund Cash Flows Net increase (decrease) in cash and cash equivalents Transfer from liquor fund 2014A debt service paid by property tax levy Adjusted net decrease in cash and cash equivalents 114 BACK COVER