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2015 Monticello Annual Comprehensive Financial ReportCITY OF MONTICELLO, MINNESOTA Comprehensive Annual Financial Report FOR THE FISCAL YEAR ENDED DECEMBER 31, 2015 City of Monticello Wright County, Minnesota COMPREHENSIVE ANNUAL FINANCIAL REPORT YEAR ENDED DECEMBER 31, 2015 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, 2015 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 Schedules of Employer's Share of Net Pension Liability 55 Schedules of Employer's Pension Contibutions 56 Schedule of Changes in the Fire Relief Association's Net Pension Liability (Asset) and Related Ratios 57 Schedule of Funding Progress 58 Schedule of Revenues, Expenditures and Changes in Fund Balance - Budget and Actual - General Fund 60 Schedule of Revenues, Expenditures and Changes in Fund Balance - Budget and Actual - Community Center Fund 62 Schedule of Revenues, Expenditures and Changes in Fund Balance - Budget and Actual - Economic Development Authority Fund 63 Notes to the Required Supplementry Information 64 Combining Individual Fund Statements Nonmajor Governmental Funds Combining Balance Sheet 65 Combining Statement of Revenues, Expenditures and Changes in Fund Balance 66 (continued) I CITY OF MONTICELLO Comprehensive Annual Financial Report Table of Contents December 31, 2015 (continued) Internal Service Funds Page Combining Statement of Net Position 67 Combining Statement of Revenues, Expenses and Changes in Net Position 68 Combining Statement of Cash Flows 69 Other Supplementry Schedules Schedule of Revenues (Sources) and Expenditures (Uses) - General Fund 71 Schedule of Assets, Liabilities, and Fund Balances - Economic Development Authority 76 Schedule of Revenues, Expenditures and Other Financing Sources (Uses) - Economic Development Authority 78 Schedule of Assets, Liabilities, Deferred Inflows of Resources, and Fund Balances - Debt Service Activities 80 Schedule of Revenues, Expenditures and Other Financing Sources (Uses) - Debt Service Activities 81 STATISTICAL SECTION Financial trends Net Position by Component - Last Ten Fiscal Years 83 Changes in Net Position - Last Ten Fiscal years 84 Fund Balances of Governmental Funds - Last Ten Fiscal Years 86 Changes in Fund Balances of Governmental Funds - Last Ten Fiscal Years 87 Governmental Funds Tax Revenues by Source - Last Ten Fiscal Years (modified accrual basis)88 General Governmental Tax Revenues by Source - Last Ten Fiscal Years (accrual basis)89 Revenue capacity Tax Capacity Value and Estimated Market Value of Taxable Property - Last Ten Fiscal Years 90 Property Tax Rates - All Direct and Overlapping Governments - Last Ten Fiscal Years 91 Property Tax Levies and Collections - Last Ten Fiscal Years 92 Principal Property Taxpayers - Current Year and Nine Years Ago 93 Water Sold by Customer Type - Last Ten Fiscal Years 94 Water and Sewage Utility Rates - Last Ten Fiscal Years 95 Debt capacity Ratios of Outstanding Debt by Type - Last Ten Fiscal Years 96 Ratios of Net General Obligation Bonded Debt Outstanding - Last Ten Fiscal Years 97 Legal Debt Margin Information - Last Ten Fiscal Years 98 Computation of Direct and Overlapping Debt 99 Schedule of General Obligation Revenue Bond Coverage - Last Two Fiscal Years 100 Economic and demographic information Demographic & Economic Statistics - Last Ten Fiscal Years 101 Principal Employers - Current Year and Eight Years Ago 102 Operating information City Government Employees by Function/Program - Last Ten Fiscal Years 103 Operating Indicators by Function - Last Ten Fiscal Years 104 Capital Assets Statistics by Function - Last Ten Fiscal Years 106 II INTRODUCTORY SECTION Letter of Transmittal CITY OF MONTICELLO Finance Department June 27, 2016 To the Honorable Mayor, Members of the City Council, and the Citizens of the City of Monticello: I am pleased to present the Comprehensive Annual Financial Report (CAFR) of the City of Monticello, Minnesota (the city) for the fiscal year ended December 31, 2015. 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 was to provide reasonable assurance that the financial statements of the city for the fiscal year ended December 31, 2015 are free ofmaterial 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, 2015, 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 rapidly growing, freestanding urban fringe community encompassing approximately 5,000 acres and a population of 13,125. 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 river 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 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 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 affairs relating to the city. Council members serve 1 Letter of Transmittal CITY OF MONTICELLO 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, and liquor store 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 virtual standstill and today growth remains anemic. However, the city lost very few of its local businesses, although some reduced their workforce and scaled back operations. The rapid residential growth starting nearly a decade ago has slowed significantly but the city was not 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 problems. In 2012, the state eliminated the MVHC and replaced it with a Market Value Exclusion program, which the city incorporated into its 2015 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 1,323 building permits in 2006 with a total valuation of $45,572,690. In 2015, the city issued 768 permits with a total valuation of $36,242,742. 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 2015. 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. The challenge moving 2 Letter of Transmittal CITY OF MONTICELLO 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 purchase with Wright County of Bertram Chain of Lakes properties. The city and Wright County have already acquired 758 acres of the 1,200 acre site. The 1,200 acre site includes four pristine lakes and woodlands, which when purchased will become a regional park. Wright County and the city obtained matching grant funds from the state to purchase additional acreage in 2016. Stabilizing the operations of the city fiber optics operations is the last initiative. After a succession of general managers and settlement of the bondholder claims, the city is positioned to move forward with a leaner, less expensive telecommunications utility. INTERNAL CONTROL The management of the city is responsible for establishing and maintaining internal control 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 its capital project and enterprise funds. 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, 2014. This was the fifth 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 another certificate. The 2015 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, especially Finance Manager Sarah Rathlisberger, and through the helpful guidance and assistance from our auditing firm, MMKR. I wish to express my 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 Finance Director 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, 2014. 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, 2014 ExecutiveDirector/CEO 4 Organization Chart CITY OF MONTICELLO Citizens of Monticello City Commissions & Council Advisory Boards City Administrator Human Finance Community City Public Community City Fire FiberNet Contracted Resource Director Development Engineer Works Center Clerk Chief Operation Services Manager Director Director Director Finance Economic Construction Streets Community Elections Fire FiberNet City Department Development Inspectors Department Center Department Sales Attorney Data Building Consulting Parks FiberNet Sheriffs Processing Inspections Engineer Department Office Department Audit Receptionist Utilities FiberNet Animal Department Plant Control Operations Department Consulting Refuse County of Motor Planner Collection Assessor Vehicles Liquor Operations 5 Directory of Officials CITY OF MONTICELLO MAYOR & CITY COUNCIL Position Name Term Expires Mayor .....................................................................................Brian Stumpf 12/31/2016 Council.................................................................................. Glen Posusta 12/31/2016 Council...................................................................................Tom Perrault 12/31/2016 Council....................................................................................Lloyd Hilgart 12/31/2018 Council..............................................................................Charlotte Gabler 12/31/2018 CITY STAFF City Administrator.......................................................................Jeff O’Neill Finance Director....................................................................Wayne Oberg Community Development Director.................................Angela Schumann Public Works Director ...........................................................Wayne Oberg Economic Development Director ...............................................Jeff O’Neill City Clerk........................................................................Jennifer Schreiber Human Resource Manager..................................................... Tracy Ergen Liquor Store Manager ......................................................Randall Johnsen DMV Manager.................................................................. Carolyn Granger Finance Manager........................................................Sarah Rathlisberger Utility Superintendent.............................................................Matt Theisen Street Superintendent.............................................................Tom Moores Parks Superintendent .............................................................Tom Pawelk Community Center Director ...............................................Kathleen Baltos Chief Building Official.................................................................John Rued Fire Chief...................................................................................Daryl Gilles Communications Coordinator ............................................Rachel Leonard PROFESSIONAL SERVICES City Attorney..........................................................Campbell Knutson, P.A. City Engineer.................................................................WSB & Associates Law Enforcement....................................... Wright County Sherriff’s Office Financial Advisor.................................................Northland Securities, Inc. 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 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, 2015, 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, 2015, 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 1 of the notes to basic financial statements, the City has implemented Governmental Accounting Standards Board (GASB) Statement No. 68, Accounting and Financial Reporting for Pensions—an amendment of GASB Statement No. 27, and GASB Statement No. 71, Pension Transition for Contributions Made Subsequent to the Measurement Date—an amendment of GASB Statement No. 68, during the year ended December 31, 2015. 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 individual fund statements and other supplementary 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 individual fund statements and other supplementary 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 June 27, 2016 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 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 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 June 27, 2016 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, 2015. 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 between them 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, and economic development. Business-type activities include water, sewage, liquor, fiber optics, and deputy registrar activities. The government-wide financial statements include not only the city itself (known as the primary government), but also the Economic Development Authority (EDA). The EDA is a legally separate entity which functions, in essence, as a department of the city, to provide redevelopment 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 funds of the city 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- term inflows and outflows of spendable resources, as well as the balances of 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 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 major 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. ProprietaryFunds – 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 considered proprietary funds. Enterprise funds are used to report the same functions presented as business-type activities in the government-wide financial statements. The city uses enterprise funds to account for its water and sewage service operations, liquor sales operation, fiber optics, and deputy registrar operations. 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, information technology (IT) services, and central equipment 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 32-54 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, Economic Development Authority, and Debt Service funds, can also be found in the combining individual fund statements section of this report. Required supplementary information and combining individual fund statements can be found starting on page 55. 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 $117,763,474 (net position). Of this amount, $26,308,049 (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 $28,976,250, an increase of $5,054,912, or 21.1 percent. Nonspendable, restricted, and assigned uses of fund balance totaled $24,102,756, leaving an unassigned fund balance of $4,873,494. The 2015 year-end unassigned fund balance is $668,763, or 15.9 percent, higher than the 2014 ending balance. At the end of the current fiscal year, unassigned fund balance for the General Fund was $4,873,494, or 72.6 percent, of total General Fund expenditures for 2015. The city targets 45 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 45 percent target. (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 2015, government-wide capital assets declined by $8,862,103 because disposals and depreciation on existing assets exceeded acquisitions. Through its governmental activities, the city acquired land for Bertram Chain of Lakes park development at a cost of $241,761. This acquisition included a $100,000 DNR grant and $70,880 contribution from the County. However, the City contributed other pieces of land at Bertram Chain of Lakes to the County for $5,511,547 in 2015. The city’s total long-term liabilities increased by $868,109, or 3.1 percent, in 2015. Principal payments made on outstanding debt totaled $5,364,000. The city issued $2,605,000 in general obligations bonds to finance capital project costs and $615,268 of PFA loan for wastewater treatment plant improvements in 2015. The 2015B 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 2015 2014 2015 2014 2015 2014 Current and other assets 36,074,680$33,296,323$9,984,124$10,138,195$46,058,804$43,434,518$ Capital assets 58,497,221 66,301,813 44,298,041 45,355,552 102,795,262 111,657,365 Total assets 94,571,901 99,598,136 54,282,165 55,493,747 148,854,066 155,091,883 Deferred outflows of resources 270,113 -129,955 -400,068 - Long-term liabilities 24,186,732 24,734,406 4,762,207 3,346,424 28,948,939 28,080,830 Other liabilities 1,399,698 1,363,950 541,740 908,107 1,941,438 2,272,057 Total liabilities 25,586,430 26,098,356 5,303,947 4,254,531 30,890,377 30,352,887 Deferred inflows of resources 378,179 -222,104 -600,283 - Net position Net investment in capital assets 38,099,568 48,253,810 40,722,087 42,117,264 78,821,655 90,371,074 Restricted 12,633,770 10,453,449 --12,633,770 10,453,449 Unrestricted 18,144,067 14,792,521 8,163,982 9,121,952 26,308,049 23,914,473 Total net position 68,877,405$73,499,780$48,886,069$51,239,216$117,763,474$124,738,996$ Governmental Activities Business-Type Activities Total By the far the largest portion of the city’s net position (67%) 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 (11%) represents resources that are subject to external restrictions on how they can be used. The remaining unrestricted net position of $26,308,049 may be used to meet the ongoing obligations to citizens and creditors. Of the unrestricted net position, $8,163,982 (31%) is attributable to business-type activities. The unrestricted governmental activities net position increased $3,351,546 (23%), while business-type activities unrestricted net position decreased $957,970 (11%). The government-wide total unrestricted net position increased $2,393,576 (10%), reflecting revenues exceeding conservative budgeted estimates. The $7,804,592 (12%) decrease in governmental activities capital assets is reflective of the contribution of land to the county and depreciation exceeding reinvestment. Business-type capital assets decreased $1,057,511 (2%) also due to depreciation exceeding reinvestment. Net investment in capital assets, which is capital assets less related debt, declined when the city contributed land at Bertram Chain of Lakes to Wright County. This land was not purchased with debt. 12 Management’s Discussion and Analysis CITY OF MONTICELLO CHANGE IN NET POSITION 2015 2014 2015 2014 2015 2014 Revenues Program revenues Charges for services 2,663,578$2,096,398$6,912,512$6,748,031$9,576,090$8,844,429$ Operating grants and contributions 355,041 295,828 --355,041 295,828 Capital grants and contributions 2,667,710 1,774,628 1,454,980 488,628 4,122,690 2,263,256 General revenues Property taxes 8,683,585 8,393,374 --8,683,585 8,393,374 Tax increments 727,617 826,363 --727,617 826,363 Franchise taxes 333,484 357,409 --333,484 357,409 Unrestricted grants and aids -27,502 ---27,502 Unrestricted investment earnings 278,465 784,347 108,191 399,757 386,656 1,184,104 Gain on sale of assets 30,473 -88,157 -118,630 - Other -217,643 ---217,643 Total revenues 15,739,953 14,773,492 8,563,840 7,636,416 24,303,793 22,409,908 Expenses General government 1,447,725 1,488,243 --1,447,725 1,488,243 Public safety 1,960,009 1,880,193 --1,960,009 1,880,193 Public works 5,312,612 5,223,345 --5,312,612 5,223,345 Sanitation 563,477 517,956 --563,477 517,956 Transit 40,000 10,000 --40,000 10,000 Recreation and culture 3,524,979 2,882,127 --3,524,979 2,882,127 Economic development 1,547,875 1,084,620 --1,547,875 1,084,620 Interest and fiscal charges 735,753 649,854 --735,753 649,854 Water --1,102,610 1,084,882 1,102,610 1,084,882 Sewage --2,661,990 2,762,357 2,661,990 2,762,357 Liquor --798,631 692,976 798,631 692,976 Fiber optics --2,536,461 2,919,170 2,536,461 2,919,170 Deputy registrar --313,968 300,236 313,968 300,236 Total expenses 15,132,430 13,736,338 7,413,660 7,759,621 22,546,090 21,495,959 Increase in net position before transfers and special items 607,523 1,037,154 1,150,180 (123,205)1,757,703 913,949 Transfers 2,301,045 (3,411,500)(2,301,045)3,411,500 -- Special item: gain on extinguishment of debt ---20,990,451 -20,990,451 Special item: contribution of land to county (5,511,547)---(5,511,547)- Change in net position (2,602,979)(2,374,346)(1,150,865)24,278,746 (3,753,844)21,904,400 Net position, as restated, January 1*71,480,384 75,874,126 50,036,934 26,960,470 121,517,318 102,834,596 Net position, December 31 68,877,405$73,499,780$48,886,069$51,239,216$117,763,474$124,738,996$ * GASB Statement No. 68 was implemented for the year ended December 31, 2015 and required a $3,221,678 restatement of beginning net position. Prior year amounts were not restated causing a variance in ending net position at December 31, 2014 and beginning net position on January 1, 2015. See Note 14. Governmental Activities Business-Type Activities Total 13 Management’s Discussion and Analysis CITY OF MONTICELLO Governmental Activities.The most significant revenue source for governmental activities is property taxes at 55% of total revenues. Property taxes support the General Fund, Community Center Fund, Capital Project Fund, and Debt Service Fund. Charges for services accounts for 17% of revenues, most of which is 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 market values. Tax increments are property taxes collected in tax increment financing districts and are restricted for development purposes. Public works (engineering, streets, ice and snow removal, shop and garage, street lighting, etc.) expenses are the most significant (35%), followed by recreation and culture (23%), public safety (13%), general government (10%), economic development (10%), and others (9%). Included in these amounts is depreciation expense, which is 27% of the total expenses for governmental activities. Governmental activities revenues increased $966,461 (6.5%) in the current year, with the most significant portions of the increase attributable to charges for services and capital grants & contributions. In 2015, the negative change in investment market values decreased the interest earnings by 65%. Governmental activities investment earnings for 2015 totaled $278,465. Property taxes collections increased by 3.5 percent with a 4.7 percent higher tax levy. Capital grants and contributions were affected by assessment collections and a grant for land acquisition. Governmental activities expenses increased $1,396,092 (10%) in the current year. The most significant changes in program expenses were as follows: •Recreation and culture increased $642,852 (22%) with larger operational and development planning expenditures and recognition of additional accrued employee benefits. •Economic development expenses increased $463,255 (43%), which was primarily the downward adjustment of land held for resale values. •Other large percentage changes but relatively low dollar impacts included: Sanitation expenses increased $45,521 (9%) from higher charges in the newcontract with a private waste hauler; Transit increased $30,000 (300%) with 2015 as the first full year with a newservice provider; Interest and fiscal charges increased $85,899 (13%) due to the amortization of bond discount on the 2008A bond paid off in 2015. 14 Management’s Discussion and Analysis CITY OF MONTICELLO Charges for services 81% Capital grants & contributions 18% Investment earnings 1% Revenues by Source - Business-Type Activities $- $0.5 $1.0 $1.5 $2.0 $2.5 $3.0 $3.5 $4.0 Water Utility Sewage Utility Liquor Fiber Optics Deputy RegistrarMillionsProgram Revenues and Expenses - Business-Type Activities Revenues Expenses Business-type Activities.Business-type activities decreased the city’s net position by $1,150,865, which is $25,429,611 less than the prior fiscal year increase of $24,278,746. Key elements of the change are as follows: The Fiber Optics Fund recorded a special item gain on extinguishment of debt for $20,990,451 in 2014. The gain reflected the extinguishment of $26,445,000 in revenue bonds minus cash from a transfer in and the payment of restricted cash held by a trustee. Transfers out in 2015 caused the decrease in net position while there was a net transfer into the business-type activities in 2014. Business-type activities investment earnings for 2015 totaled $108,191. This is a $291,566 decrease from the prior year’s investment earnings of $399,757. As noted earlier in the governmental activities section, swings in market value have a significant impact on net investment earnings. Capital grants and contributions for water and sewer trunk charges are now accounted for in each respective enterprise fund. The city also recorded capital contributions from a PFA grant. Capital contributions for 2015 totaled $1,454,980. 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, 2015, the city’s governmental funds reported total ending fund balances of $28,976,250, an increase of $5,054,912 (21%) when compared with the prior year. Nearly 30% or $8,619,905 of the total ending fund balances constituted restricted fund balances, which are considered unavailable for appropriation for general operations. The $4,373,045 nonspendable fund balance accounted for 15% of total governmental fund balances and is comprised of land held for resale and prepaid items. At the end of the fiscal year, the General Fund reported a fund balance of $4,986,796, increasing $655,738 (15%) from the prior year. General fund revenues were $518,644 (7%) more than the prior fiscal year and expenditures increased by $305,862 (5%). Transfers out increased by $4,012 to $297,012: a 15 Management’s Discussion and Analysis CITY OF MONTICELLO $94,900 annual transfer to the EDA Fund and a one-time $202,112 to the Benefit Accrual Fund, an internal service fund initiated to accumulate resources for employee liabilities. General government expenditures increased $14,528 (1%) with most of the increase related to employee costs. Ice & removal and engineering were largely responsible for the $83,807 (5%) decline in public works expenditures. Recreation and culture expenditures increased by $171,707 (22%) primarily caused by additional internal service fund equipment leasing and pathway maintenance now accounted for in the General Fund. Public safety expenditures increased $127,913 (7%) with inflation to the Wright County law enforcement contract and increased activity in building inspection. The city also made a one-time payout of accumulated sick leave benefits when it switched to a paid-time-off (PTO) benefit system. The PTO caused payout of $157,122 was spread over the all the affected budget units. The fund balance in the Community Center Fund increased $188,618 (43%) to $629,442. Reflecting higher membership fees, charges for services increased $77,614 (6%) to $1,401,024 in 2015. The transfer for debt service decreased from $1,040,000 in 2014 to $1,005,000 in 2015. The community center debt is fully amortized at the end of 2015. The fund balance in Economic Development Authority (EDA) Fund decreased $348,809 (5%) to $6,562,865. The assigned fund balance, which is available for general EDA activity, equaled $2,003,498 at year end. Land held for resale declined $745,800 (22%) to $2,682,957. Land held for resale receives the same accounting treatment, lower of cost or market, as inventory. No land held for resale was sold in 2015. At year end, the restricted $2,084,541 portion of the fund balance is attributable to tax increment districts and loan programs. The fund balance in the Debt Service Fund increased $1,463,144 (37%) to $5,382,214. The planned fund balance increase marks the city’s effort to have February debt service payments removed from the fund balances of supporting funds in the year prior to payment. Special assessment revenue increased $744,127 (50%) to $2,233,403. One property owner’s payment of future assessments contributed significantly to the increase. 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 increased $2,496,594 (86%) to $5,392,213. The $1,764,189 nonspendable portion of the fund balance is land held for resale. Proceeds from a 2015 $2,605,000 general obligation bond issue are accounted for in this fund. Various assessment and street reconstruction projects were financed by this issue. The $855,000 transfer to the Park and Pathway Dedication Fund will go toward land acquisition and park development at Bertram Chain of Lakes. Proprietary funds.The proprietary funds provide the same type of information found in the government-wide financial statements, but in more detail. Water Fund expenses increased $19,224 (2%) with installation of new and replacement radio read devices. The Water Fund transferred $790,958 to Debt Service Fund for improvements related to the water system. The fund’s net position declined $442,569 (3%) to $14,328,760. Depreciation expense for the fund totaled $513,814. Sewage Fund expenses decreased $94,175 (4%), largely attributable to operational changes at the wastewater treatment plant. The Sewage Fund transferred $1,510,087, which was partially offset by capital contributions from impact fees, to the Debt Service Fund for improvements related to the sewage system. The fund’s net position declined $785,113 (4%) to $19,813,546. Depreciation expense for the fund totaled $1,103,397. The Liquor Fund’s net position increased $275,808 (44%) to $905,806. The fund’s sales increased $323,693 (6%) to $5,489,430. Gross profit increased $230,803 (18%) to $1,519,843. Less aggressive sale promotions contributed to the increase. The Liquor Fund transferred $450,000 to the Fiber Optics Fund in 2015. Operating expenses increased $106,978 (15%) to $801,545 in 2015. Depreciation expense for the fund totaled $46,923. The Fiber Optics Fund’s net position decreased $440,981 to $13,400,141. The fund’s sales decreased $45,833 (3%) to $1,619,218 in 2015. Excluding depreciation, the operating loss is $367,607. Depreciation for the fund totaled $419,782. The 2014 settlement with bondholders improved financial stability in 2015. The Deputy Registrar Fund net position increased $223,923 (120%) to $409,834. Charges for services increased $33,699 (7%) to $531,408 and operating expenses increased $15,977 (5%) to $318,686. Depreciation for the fund totaled $3,185. 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 General Fund revenues totaled $7,637,646 and exceeded budget by 391,646 (5%). Licenses and permits and other revenues were $139,869 (44%) and $146,239 (153%) higher than budget, respectively. Licenses and permits were impacted by the increase in building permits. Other revenues include an insurance dividend, which varies from year-to-year and is never budgeted. General Fund expenditures totaled $6,715,369 and were $366,561 (5%) less than budget. A $202,112 transfer to the Benefit Accrual Fund pushed other financing uses past budget. In fiscal year 2015, one function exceeded budget (public safety) and two departments (planning & zoning and fire & rescue) exceeded budget. Some reporting units within a department may have exceeded budget but were offset by positive variances in other divisions in the same department. Nine of thirty-six reporting units exceeded budget. The General Fund year end fund balances since 2011 are as follows: Year Amount 2011 4,410,637$ 2012 3,478,507 2013 3,914,563 2014 4,331,058 2015 4,986,796 CAPITAL ASSETS AND DEBT ADMINISTRATION CAPITAL ASSETS 2015 2014 2015 2014 2015 2014 Land 8,555,369$13,825,156$1,197,945$1,197,945$9,753,314$15,023,101$ Construction in progress 1,264,456 1,742,073 1,491,882 2,507,712 2,756,338 4,249,785 Buildings and systems 92,636,026 90,748,030 79,100,343 77,274,052 171,736,369 168,022,082 Machinery and equipment 5,425,323 5,328,537 2,543,832 2,549,969 7,969,155 7,878,506 Less: Accumulated depreciation (49,383,953)(45,341,983)(40,035,961)(38,174,126)(89,419,914)(83,516,109) Net total 58,497,221$66,301,813$44,298,041$45,355,552$102,795,262$111,657,365$ 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, 2015 totaled $102,795,262 (net of accumulated depreciation). This investment in capital assets included land, construction in progress, structures, systems, machinery and equipment, intangible assets, and infrastructure. Major governmental activities capital assets changes: a $5,511,547 land contribution to Wright County for Bertram Chain of Lakes; purchase of equipment in the internal service Central Equipment Fund of $166,128. Business-type capital assets acquisitions included two wastewater treatment plant improvements projects—one started in 2013 (transferred from construction in progress to buildings and systems) and one started 2015. The total decrease from the prior fiscal year is approximately 8%; governmental activities decreased nearly 12% and business-type activities decreased 2%. Additional information on the city’s capital assets can be found in the notes to the financial statements on pages 41-42. 17 Management’s Discussion and Analysis CITY OF MONTICELLO OUTSTANDING INDEBTEDNESS 2015 2014 2015 2014 2015 2014 General obligation bonds 9,563,000$12,680,653$2,930,347$3,206,347$12,493,347$15,887,000$ Certificate of indebtedness 325,000 385,000 --325,000 385,000 Special assessment bonds 11,689,653 10,010,000 --11,689,653 10,010,000 Public Facilities Authority Loan --615,268 615,268 - Revenue bonds -985,000 ---985,000 Total 21,577,653$24,060,653$3,545,615$3,206,347$25,123,268$27,267,000$ Governmental Business-Type Activities Activities Total Long-term Debt.The city’s outstanding long-term debt--including general obligation bonds, special assessment bonds, revenue bonds and certificates of indebtedness—totaled $25,123,268 at December 31, 2015. Business-type long-term debt increased with the addition of debt (Public Facilities Authority Loan) related to the wastewater plant improvements. Meanwhile, the city issued $2,605,000 in general obligation bonds to finance 2015 and 2016 street projects. All other changes are the result of normal amortization. Additional information on the city’s long-term liabilities can be found in the notes to the financial statements on pages 42-45 of this report. ECONOMIC FACTORS AND NEXT YEAR’S BUDGETS AND RATES •The unemployment rate for the Wright County, Minnesota area for December 31, 2015 was 3.8%, which is above the state average (3.6%) and below the national average (5.4%). •The state and local economy are improving. New commercial and residential development grew at a sustainable pace in 2015. •The occupancy rate of the city’s business district has remained constant over the last three years and new commercial construction is growing. •Inflationary trends in the region compare favorably to national indices and housing prices have risen the last two years. •The city expects residential and commercial growth to eventually return to pre-recession levels, accompanied by the increase in affordable housing. 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, 2015 Governmental Business-type Activities Activities Total ASSETS Cash and investments 26,197,898$8,218,328$34,416,226$ Receivables Unremitted taxes 26,701 -26,701 Deliquent taxes 87,864 -87,864 Unremitted special assessments 4,378 29 4,407 Deliquent special assessments 306,234 27,238 333,472 Deferred special assessments 3,972,358 184,853 4,157,211 Accrued interest 123,380 -123,380 Accounts, net uncollectibles allowance 253,397 905,873 1,159,270 Due from other governmental units 182,929 -182,929 Internal balances (27,982)27,982 - Inventory -552,355 552,355 Prepaid items 161,773 67,466 229,239 Notes receivable 329,279 -329,279 Land held for resale 4,447,146 -4,447,146 Pension asset 9,325 -9,325 Capital assets: Nondepreciable 9,819,825 2,689,827 12,509,652 Depreciable, net 48,677,396 41,608,214 90,285,610 TOTAL ASSETS 94,571,901 54,282,165 148,854,066 DEFERRED OUTFLOWS OF RESOURCES Deferred pension resources 270,113 129,955 400,068 TOTAL DEFERRED OUTFLOWS OF RESOURCES 270,113 129,955 400,068 LIABILITIES Accounts and contracts payable 534,332 377,397 911,729 Accrued interest payable 155,178 12,067 167,245 Other accrued liabilities 179,092 9,154 188,246 Due to other governmental units 9,072 136,722 145,794 Unearned revenue 19,290 6,400 25,690 Escrow deposits 502,734 -502,734 Long-term liabilities: Due within one year 4,808,115 415,038 5,223,153 Due in more than one year 19,378,617 4,347,169 23,725,786 TOTAL LIABILITIES 25,586,430 5,303,947 30,890,377 DEFERRED INFLOWS OF RESOURCES Deferred pension resources 378,179 222,104 600,283 TOTAL DEFERRED INFLOWS OF RESOURCES 378,179 222,104 600,283 NET POSITION Net investment in capital assets 38,099,568 40,722,087 78,821,655 Restricted for Debt service 9,266,800 -9,266,800 Economic development 2,592,395 -2,592,395 Perpetual care 32,388 -32,388 Tax increment 742,187 -742,187 Unrestricted 18,144,067 8,163,982 26,308,049 TOTAL NET POSITION 68,877,405$48,886,069$117,763,474$ 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, 2015 Operating Capital Charges for Grants and Grants and Governmental Business-type Expenses Services Contributions Contributions Activities Activities Total Governmental activities General government 1,447,725$214,087$-$-$(1,233,638)$-$(1,233,638)$ Public safety 1,960,009 320,158 355,041 -(1,284,810)-(1,284,810) Public works 5,312,612 626,483 -2,229,595 (2,456,534)-(2,456,534) Sanitation 563,477 ---(563,477)-(563,477) Transit 40,000 ---(40,000)-(40,000) Recreation and culture 3,524,979 1,488,197 -391,217 (1,645,565)-(1,645,565) Economic development 1,547,875 14,653 --(1,533,222)-(1,533,222) Interest and fiscal charges 735,753 --46,898 (688,855)-(688,855) Total governmental activities 15,132,430 2,663,578 355,041 2,667,710 (9,446,101)-(9,446,101) Business-type activities Water Utility 1,102,610 1,126,718 -268,329 -292,437 292,437 Sewage Utility 2,661,990 2,083,122 -1,186,651 -607,783 607,783 Liquor 798,631 1,524,338 ---725,707 725,707 Fiber Optics 2,536,461 1,642,403 ---(894,058)(894,058) Deputy Registrar 313,968 535,931 ---221,963 221,963 Total business-type activities 7,413,660 6,912,512 -1,454,980 -953,832 953,832 Total primary government 22,546,090$9,576,090$355,041$4,122,690$(9,446,101)953,832 (8,492,269) General Revenues: Property taxes 8,683,585 -8,683,585 Tax increments 727,617 -727,617 Franchise taxes 333,484 -333,484 Unrestricted investment earnings 278,465 108,191 386,656 Gain on sale of capital assets 30,473 88,157 118,630 Special item: contribution of land to county (5,511,547)-(5,511,547) Transfers 2,301,045 (2,301,045)- Total general revenues, special items, and tranfers 6,843,122 (2,104,697)4,738,425 Change in Net Position (2,602,979)(1,150,865)(3,753,844) Net Position, January 1, as restated (Note 14)71,480,384 50,036,934 121,517,318 Net Position, December 31 68,877,405$48,886,069$117,763,474$ 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 5,649,254$649,256$3,875,238$5,174,958$3,799,585$5,866,121$25,014,412$ Receivables Unremitted taxes 21,587 -710 -4,404 -26,701 Delinquent taxes 87,864 -----87,864 Unremitted special assessments ---481 3,897 -4,378 Delinquent special assessments 320 --159,721 146,193 -306,234 Deferred special assessments 1,941 --3,369,687 600,730 -3,972,358 Accrued interest 123,380 -----123,380 Accounts 41,290 27 -207,900 -4,180 253,397 Due from other governmental units 3,194 -11,875 --167,860 182,929 Prepaid items 113,302 19,469 869 --1,259 134,899 Notes receivable ---200,000 -129,279 329,279 Land held for resale --2,682,957 -1,764,189 -4,447,146 TOTAL ASSETS 6,042,132$668,752$6,571,649$9,112,747$6,318,998$6,168,699$34,882,977$ LIABILITIES Accounts and contracts payable 279,245$20,509$8,784$1,125$174,441$16,700$500,804$ Other accrued liabilities 179,092 -----179,092 Due to other governmental units 2,208 6,864 ----9,072 Unearned revenue 1,932 11,937 --5,421 -19,290 Escrow deposits 502,734 -----502,734 Total liabilities 965,211 39,310 8,784 1,125 179,862 16,700 1,210,992 DEFERRED INFLOWS OF RESOURCES Unavailable revenue - property taxes 87,864 -----87,864 Unavailable revenue - special assessments 2,261 --3,529,408 746,923 -4,278,592 Unavailable revenue - notes receivable ---200,000 -129,279 329,279 Total Deferred Inflows of Resources 90,125 --3,729,408 746,923 129,279 4,695,735 FUND BALANCES Nonspendable 113,302 19,469 2,474,826 -1,764,189 1,259 4,373,045 Restricted --2,084,541 5,382,214 -1,153,150 8,619,905 Assigned -609,973 2,003,498 -3,628,024 4,868,311 11,109,806 Unassigned 4,873,494 -----4,873,494 Total fund balance 4,986,796 629,442 6,562,865 5,382,214 5,392,213 6,022,720 28,976,250 TOTAL LIABILITIES, DEFERRED INFLOWS OF RESOURCES, AND FUND BALANCES 6,042,132$668,752$6,571,649$9,112,747$6,318,998$6,168,699$34,882,977$ The notes to the financial statements are an integral part of this statement. December 31, 2015 22 CITY OF MONTICELLO Reconciliation of the Governmental Funds Balance Sheet to the Statement of Net Position December 31, 2015 Amounts reported for governmental activities in the statement of net position are different because: Total fund balances - governmental funds 28,976,250$ Long-term assets from pensions reported in governmental activities are not financial resources and, therefore, are not reported as assets in the funds.9,325 Capital assets used in governmental activities are not financial resources and, therefore, are not reported in the funds. Land 8,555,369$ Construction in progress 1,264,456 Buildings and systems 92,636,026 Machinery and equipment 4,585,691 Accumulated depreciation (49,280,780)57,760,762 Governmental funds do not report long-term amounts related to pensions. Deferred outflows of resources 270,113$ Deferred inflows of resources (378,179)(108,066) 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 (20,737,653)$ Unamortized bond discounts 25,735 Unamortized bond premiums (215,931) Other post-employment benefits obligations (305,563) Net pension liability (1,887,162)(23,120,574) 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 846,236$ Less internal services net position allocated to to business-type activities (27,982)818,254 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 currrent period expenditures and, therefore, are reported as deferred inflows of resources in the governmental funds.4,695,735 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.(154,281) NET POSITION OF GOVERNMENTAL ACTIVITIES 68,877,405$ 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, 2015 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 5,906,255$1,363,000$-$1,290,000$79,146$-$8,638,401$ Tax increments --727,617 ---727,617 Franchise taxes 216,500 ---36,865 80,119 333,484 Special assessments 1,330 --2,233,403 971,760 112,408 3,318,901 Licenses and permits 461,049 -----461,049 Intergovernmental 354,679 -11,875 -945,756 207,929 1,520,239 Charges for services 349,601 1,401,024 1,250 --311,645 2,063,520 Fines and forfeitures 42,474 -----42,474 Investment earnings 64,037 (1,544)52,034 38,321 25,110 83,898 261,856 Other revenues 241,721 32,827 622 200,000 --475,170 Total revenues 7,637,646 2,795,307 793,398 3,761,724 2,058,637 795,999 17,842,711 Expenditures: Current General government 1,465,458 -----1,465,458 Public safety 1,972,986 -----1,972,986 Public works 1,709,063 ---25,177 322 1,734,562 Sanitation 563,477 -----563,477 Transit 40,000 -----40,000 Recreation and culture 964,385 1,577,643 ---80,963 2,622,991 Economic development --1,237,107 ---1,237,107 Capital outlay Public works ----1,268,278 333,559 1,601,837 Recreation and culture -----636,528 636,528 Debt service Principal ---5,028,000 --5,028,000 Interest and fiscal charges ---570,753 --570,753 Bond issuance costs ----71,358 -71,358 Total expenditures 6,715,369 1,577,643 1,237,107 5,598,753 1,364,813 1,051,372 17,545,057 Excess (deficiency) of revenues over expenditures 922,277 1,217,664 (443,709)(1,837,029)693,824 (255,373)297,654 Other financing sources (uses) Long-term debt issued ----2,605,000 -2,605,000 Premium on long-term debt issued ----46,898 -46,898 Sale of capital assets 30,473 -----30,473 Transfers in --94,900 3,306,045 5,872 855,000 4,261,817 Transfers out (297,012)(1,029,046)-(5,872)(855,000)-(2,186,930) Total other financing sources (uses)(266,539)(1,029,046)94,900 3,300,173 1,802,770 855,000 4,757,258 Net change in fund balances 655,738 188,618 (348,809)1,463,144 2,496,594 599,627 5,054,912 Fund balance at beginning of year 4,331,058 440,824 6,911,674 3,919,070 2,895,619 5,423,093 23,921,338 Fund balance at end of year 4,986,796$629,442$6,562,865$5,382,214$5,392,213$6,022,720$28,976,250$ 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, 2015 Amounts reported for governmental activities in the Statement of Activities are different because: Net change in fund balances--governmental funds 5,054,912$ 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 1,581,258$ Capital contributions 70,880 Capital contributions to county (5,511,547) Depreciation (4,047,743)(7,907,152) 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.(2,605,000) 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.5,028,000 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 (158,410)$ Amortization of bond premiums 35,564 Change in compensated absences 322,843 Change in OPEB obligation (22,002) Change accrued interest payable 45,397 223,392 Long-term pension activity is not reported in governmental funds Pension revenue from state contributions (23,594) Pension expense 57,087 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 45,184$ Special assessments (2,289,208) Notes receivable (310,865)(2,554,889) 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 142,332$ Subtract internal service fund activity allocated to business-type activities (18,067)124,265 Change in net position of governmental activities (2,602,979)$ 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 4,406,268$2,200,605$671,717$341,721$598,017$8,218,328$1,183,486$ Receivables Unremitted special assessmentsUnremitted special assessmentsUnremitted special assessments 29 ----29 - Deliquent special assessmentsDeliquent special assessmentsDeliquent special assessments 27,238 ----27,238 - Deferred special assessmentsDeferred special assessmentsDeferred special assessments 177,910 6,943 ---184,853 - Account receivableAccount receivableAccounts 226,321 607,600 -31,344 40,608 905,873 - Inventory --552,355 --552,355 - Prepaid items 11,251 24,368 14,085 16,560 1,202 67,466 26,874 Total current assets 4,849,017 2,839,516 1,238,157 389,625 639,827 9,956,142 1,210,360 Noncurrent assets Capital assets: Land 208,143 984,202 5,600 --1,197,945 - Buildings and systems 19,832,724 43,467,040 840,217 14,896,665 63,697 79,100,343 - Machinery and equipment 262,198 1,748,694 134,528 384,147 14,265 2,543,832 839,632 Construction in progress -1,491,882 ---1,491,882 - Total capital assetsTotal capital assets 20,303,065 47,691,818 980,345 15,280,812 77,962 84,334,002 839,632 Less accumulated depreciation (10,640,304)(26,794,096)(762,478)(1,805,700)(33,383)(40,035,961)(103,173) Total capital assets (net)9,662,761 20,897,722 217,867 13,475,112 44,579 44,298,041 736,459 TOTAL ASSETS 14,511,778 23,737,238 1,456,024 13,864,737 684,406 54,254,183 1,946,819 DEFERRED OUTFLOWS OF RESOURCES Deferred pension resources 14,049 17,561 38,635 38,636 21,074 129,955 - (continued) Business-Type Activities – Enterprise Funds December 31, 2015 26 CITY OF MONTICELLO Statement of Net Position Proprietary Funds December 31, 2015 (Continued) Governmental Activities - Deputy Internal Water Sewage Liquor Fiber Optics Registrar Totals Service Funds LIABILITIES Current liabilities Accounts and contracts payable 29,426$157,983$113,038$76,419$531$377,397$33,528$ Accrued interest payable -12,067 ---12,067 897 Other accrued liabilities --2,878 6,276 -9,154 - Due to other governmental units 1,950 -52,660 12,491 69,621 136,722 - Unearned revenue 6,400 ----6,400 - Bonds and loans payable - current -380,233 ---380,233 115,000 Compensated absences due within one year 5,506 5,506 13,222 5,834 4,737 34,805 86,865 Total current liabilities 43,282 555,789 181,798 101,020 74,889 956,778 236,290 Noncurrent liabilities Bonds and loans payable - net current portion -3,195,721 ---3,195,721 725,000 Compensated absences payable 9,954 9,954 11,520 6,676 5,010 43,114 139,293 Net pension liability 119,820 149,775 329,504 329,505 179,730 1,108,334 - Total noncurrent liabilities 129,774 3,355,450 341,024 336,181 184,740 4,347,169 864,293 TOTAL LIABILITIES 173,056 3,911,239 522,822 437,201 259,629 5,303,947 1,100,583 DEFERRED INFLOWS OF RESOURCES Deferred pension resources 24,011 30,014 66,031 66,031 36,017 222,104 - NET POSITION Net investment in capital assets 9,662,761 17,321,768 217,867 13,475,112 44,579 40,722,087 (103,541) Unrestricted 4,665,999 2,491,778 687,939 (74,971)365,255 8,136,000 949,777 TOTAL NET POSITION 14,328,760$19,813,546$905,806$13,400,141$409,834$48,858,087 846,236$ 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 27,982 Net position of business-type activities (page 19)48,886,069$ 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, 2015 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 5,489,430$5,489,430$ Cost of sales (3,969,587)(3,969,587) Gross profit 1,519,843 1,519,843 Operating revenues Charges for services 1,093,846$2,041,166$-1,619,218$531,408$5,285,638 420,901$ Other 32,872 41,956 4,495 23,185 4,523 107,031 - Total operating revenues 1,126,718 2,083,122 4,495 1,642,403 535,931 5,392,669 420,901 Operating expenses Personal services 181,617 280,558 505,508 567,786 277,943 1,813,412 226,158 Materials and supplies 152,258 15,597 46,842 104,165 4,294 323,156 18,582 Other services and charges 257,541 1,183,002 202,272 436,547 33,264 2,112,626 196,834 Content and access charges ---901,512 -901,512 - Depreciation 513,814 1,103,397 46,923 419,782 3,185 2,087,101 63,569 Total operating expenses 1,105,230 2,582,554 801,545 2,429,792 318,686 7,237,807 505,143 Operating income (loss)21,488 (499,432)722,793 (787,389)217,245 (325,295)(84,242) Nonoperating revenues (expenses) Investment earnings 58,572 31,671 3,015 8,255 6,678 108,191 16,609 Interest expense -(82,073)---(82,073)(16,193) Gain on sale of capital asset -88,157 ---88,157 - Loss on sale of capital asset ---(111,847)-(111,847)- Total Nonoperating revenes (expenses)58,572 37,755 3,015 (103,592)6,678 2,428 416 Income (loss) before transfers and capital contributions 80,060 (461,677)725,808 (890,981)223,923 (322,867)(83,826) Capital contributions 268,329 1,186,651 ---1,454,980 - Transfers in ---450,000 -450,000 226,158 Transfers out (790,958)(1,510,087)(450,000)--(2,751,045)- Change in net position (442,569)(785,113)275,808 (440,981)223,923 (1,168,932)142,332 Net Position, January 1, as restated (Note 14)14,771,329 20,598,659 629,998 13,841,122 185,911 703,904 Net Position, December 31 14,328,760$19,813,546$905,806$13,400,141$409,834$846,236$ Adjustment to reflect the consolidation of internal service fund related to enterprise funds 18,067 Change in net position of business-type activities (page 21)(1,150,865)$ 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, 2015 Governmental Activities - 265/601 262/602 609 656 217 Linked 602 Deputy Internal Water Sewage Liquor Fiber Optics Registrar Totals Service Funds Cash flows from operating activities Cash received from customers and users 1,139,579$2,018,932$5,495,307$1,733,236$530,970$10,918,024$-$ Cash from interfund services provided ------420,901 Cash paid to suppliers for goods and services (398,142)(1,396,614)(4,401,688)(1,332,231)(767)(7,529,442)(253,458) Cash paid to employees (209,197)(265,341)(525,024)(565,657)(280,209)(1,845,428)- Cash paid to other funds for services provided (12,292)(12,370)(13,672)(24,291)(22,134)(84,759)- Net cash provided (used) by operating activities 519,948 344,607 554,923 (188,943)227,860 1,458,395 167,443 Cash flows from noncapital financing activities Transfers from other funds ---450,000 -450,000 226,158 Transfers to other funds (790,958)(1,510,087)(450,000)--(2,751,045)- Net cash provided (used) by noncapital financing activities (790,958)(1,510,087)(450,000)450,000 -(2,301,045)226,158 Cash flows from capital and related financing activities Capital contributions 268,329 1,186,651 ---1,454,980 - Sale of capital assets -88,157 -29,850 -118,007 - Acquisition of capital assets (26,683)(1,177,902)---(1,204,585)(218,658) Long-term debt issued -615,268 ---615,268 - Principal paid on long-term debt -(276,000)---(276,000)(60,000) Interest and fiscal charges paid on long-term debt -(84,158)---(84,158)(16,678) Net cash provided (used) by capital and related financing activities 241,646 352,016 -29,850 -623,512 (295,336) Cash flows from investing activities Interest on investments 58,572 31,671 3,015 8,255 6,678 108,191 16,609 Net increase (decrease) in cash and cash equivalents 29,208 (781,793)107,938 299,162 234,538 (110,947)114,874 Cash and cash equivalents, January 1 4,377,060 2,982,398 563,779 42,559 363,479 8,329,275 1,068,612 Cash and cash equivalents, December 31 4,406,268$2,200,605$671,717$341,721$598,017$8,218,328$1,183,486$ Business-Type Activities – Enterprise Funds (continued) 30 CITY OF MONTICELLO Statement of Cash Flows Proprietary Funds For the Year Ended December 31, 2015 (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)21,488$(499,432)$722,793$(787,389)$217,245$(325,295)$(84,242)$ Adjustments to reconcile operating income (loss) to net cash provided (used) by operating activities Depreciation and amortization 513,814 1,103,397 46,923 419,782 3,185 2,087,101 63,569 (Increase) decrease in assets Special assessments receivable 9,982 (6,943)---3,039 - Accounts receivable, net (3,521)(57,247)-84,557 (4,961)18,828 - Inventory --(32,335)--(32,335)- Prepaid items (897)(591)1,299 69,757 2,091 71,659 (26,780) (Increase) decrease in deferred outflows Deferred pension resources (188)(235)(518)(519)(283)(1,743)- Increase (decrease) in liabilities Accounts and contracts payable 270 (209,794)(167,338)9,517 (75)(367,420)(11,189) Other liabilities --1,382 6,276 -7,658 - Due to other governmental units (8)-1,715 6,428 12,641 20,776 (73) Unearned revenue 6,400 ----6,400 - Compensated absences (27,386)15,460 (18,981)2,664 (1,974)(30,217)226,158 Net pension liability 7,613 9,515 20,934 20,935 11,419 70,416 - Increase (decrease) in deferred inflows Deferred pension resources (7,619)(9,523)(20,951)(20,951)(11,428)(70,472)- Net cash provided (used) by operating activities 519,948$344,607$554,923$(188,943)$227,860$1,458,395$167,443$ Schedule of noncash investing, capital and financing activities: Increase (decrease) in fair value of investments (58,702)$(62,513)$(4,052)$61,329$2,275$(61,663)$(17,718)$ Net amortization of bond premium (discount)-$1,602$-$-$-$1,602$-$ Disposal of capital assets -$225,266$-$141,697$-$366,963$-$ 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, 2015 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 The city of Monticello was incorporated 1856 and is under Minnesota Statutes with a mayor-council form of government. 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. The 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) is fiscally dependent upon the city, and its governing body consists of city council members and other members appointed by the city council. The city is able to impose its will on the EDA by significantly influencing the programs, projects, activities, or level of services performed or provided by the EDA. There is a potential for the EDA to provide specific financial benefits to, or impose specific burdens on, the city. Therefore, the EDA is included as a component unit of the city. The EDA’s financial data has been blended with that of the city (i.e. reported as though its funds were funds of the city) and reported as a special revenue fund. Therefore, the EDA does not issue separate financial statements. 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. For the most part, the effect of inter-fund activity has been removed from these statements. 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. 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 is considered an indirect expense and is reported separately on the Statement of Activities. Aggregated information for the remaining nonmajor funds are reported in single columns in the respective fund financial statements. 32 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO 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 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, net pension liabilities, and compensated absences, which 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, are the EDA’s primary revenue source. 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. 33 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO 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. Additionally, the city reports the following fund type: Internal Service Funds – These funds account for the city’s information technology, benefit accrual and central equipment 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 inter-fund 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. Investments are generally stated at fair value, except for investments in 2a7-like 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. 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. Property taxes may be paid 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. Taxes which remain unpaid at December 31 are classified as delinquent taxes receivable and are offset by deferred inflows of resources in the governmental funds financial statements. 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. The portion of delinquent taxes not collected by the city in January is fully offset by deferred inflows of resources because it is not available to finance current expenditures. 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 benefited 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 of the related bond issue. 34 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO 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 allowed to go delinquent, 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 unremitted) 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 in due from other government units. G. Receivables Utility and miscellaneous accounts receivable are reported at gross. 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 utilizes an allowance for uncollectible accounts to value its receivables only in the proprietary Fiber Optics Fund. Account (trade) receivables are carried at original billing amount less an estimate made for doubtful receivables based on a review of all outstanding amounts on a regular basis. Management determines the allowance for doubtful accounts by identifying troubled accounts and by using historical experience applied to an aging of accounts. With approval from council, trade receivables are written off when deemed uncollectible. Recoveries of trade receivables previously written off are recorded when received. 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 outstanding for more than 30 days. Accrual of interest is not suspended until a receivable is determined to be uncollectible. Provisions for bad debts would be insignificant and none has been made for 2015. 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 on the first-in, first-out basis. 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. J. Notes Receivable Notes receivable consist primarily of loans made by the city to area businesses for development or redevelopment purposes. The terms and interest rates of the individual loans vary. Some notes receivable are offset by deferred inflows of resources in the governmental funds. The city has one note receivable totaling $400,000 with another local government. This note has an interest rate of 3.95 percent and will mature at various dates through January 2016. This note receivable is offset by deferred inflows of resources. K. Land Held for Resale Land held for resale is recorded in the governmental fund which purchased it at the lower of cost or market. Fund balances are nonspendable or restricted in an amount equal to the land’s carrying value is reported in the governmental funds as these assets are not available for appropriation. L. Capital Assets Capital assets, which include property, plant, equipment, and infrastructure assets (roads, bridges, sidewalks, and similar items) are reported in the 35 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO 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 assets are recorded as capital assets at their estimated fair value at the date of donation. The city restructured the capitalization policy which had a single threshold level of $5,000 or more for capitalizing capital assets. The restructured 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 declared as 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 only one type of item, which arises under a full accrual basis of accounting, that qualifies for reporting in this category. Accordingly, the item, deferred pension resources, is reported only in the statement of net position. This item results from actuarial calculations and current year pension contributions made subsequent to the measurement date. N. 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 additions to/deductions from PERA’s fiduciary net position have been determined on the same basis as they are reported by PERA 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. For purposes of measuring the net pension liability (asset), deferred outflows/inflows of resources related to pensions, and pension expense, information about the fiduciary net position of the defined benefit plan administered by the Monticello Fire Relief Association and additions to and deductions from the plan’s fiduciary net position have been determined on the same basis as they are reported by the plan. Investments are reported at fair value. O. Compensated Absences Payable City employees earn vacation 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. Some non-PTO employees are entitled to paid sick leave at various rates for each month of full-time service. Full-time employees who resign or leave city employment voluntarily and in good standing, after giving proper notice, shall be compensated for up to 50 days of unused sick leave under the following guidelines: For union employees, one-fourth of the unused sick leave times the hourly rate at the time of giving notice is paid. After five years of non-union employment, one-fourth of the unused sick leave times the hourly rate at the time of giving notice is paid. 36 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO After 10 years of employment, all employees accrue one-half of the unused sick leave, times the hourly rate at the time of giving notice. 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. 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. The face amount of debt issued is reported as other financing sources. Premiums received on debt issuances are reported as other financing sources while discounts on debt issuances are reported as other financing uses. Issuance costs, whether or not withheld from the actual debt proceeds received, are reported as debt service expenditures. 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 two types of items that qualify for reporting in this category. First, unavailable revenue, which arises under a modified accrual basis of accounting, is reported only in the governmental funds balance sheet. The governmental funds report unavailable revenue from three sources: property taxes, special assessments, and notes receivables. These amounts are deferred and recognized as an inflow of resources in the period the amounts become available. Second, 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 projected and actuarial earnings on plan investments and changes in proportion, and are deferred and recognized as an inflow of resources in accordance with actuarial calculations. 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 “restricted” or “net investment in capital assets.” 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 restricted or committed. In governmental funds, assigned amounts represent intended uses established by the governing body itself or by 37 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO 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 major 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. Expenditures exceeded budgeted amounts in the EDA Special Revenue Fund by $641,853. The tax increment portion of the EDA Fund functions like a capital projects fund with expenditures based on the life cycle of the tax increment district. U. Statement of Cash Flows 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. V. 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. W. Future Change in Accounting Standards In February 2015 GASB issued Statement No. 72,Fair Value Measurement and Application.This Statement provides guidance for determining fair value measurement for financial reporting purposes and for applying fair value to certain investments, and requires disclosures to be made about fair value measurements, the level of fair value hierarchy, and valuation techniques. Governments should organize these disclosures by type of asset or liability reported at fair value. It also requires additional disclosures regarding investments in certain entities that calculate net asset value per share (or its equivalent). The requirements of this Statement are effective for the city’s fiscal year ending December 31, 2016. In June 2015 GASB issued Statement No. 74,Financial Reporting for Postemployment Benefits Plans other than Pension Plans, and Statement No. 75,Accounting and Financial Reporting for Postemployment Benefits other than Pensions. Both statements replace the requirements of GASB Statements related to postemployment benefits other than pensions (OPEB). Statement No. 74 is intended to make the OPEB accounting and financial reporting consistent with the pension standards outlined in Statement No. 67. It applies to OPEB plans, and parallels Statement No. 67 and replaces Statement No. 43. This statement is effective for the city’s fiscal year ending December 31, 2017. Statement No. 75 is intended to make OPEB accounting and financial reporting consistent with the pension standards outlined in Statement No. 68. This will include recognizing a net OPEB liability in accrual basis financial statements. It applies to government employers who provide OPEB plans to their employees. It parallels Statement No. 68 and replaces Statement No. 45. This statement is effective for the city’s fiscal year ending December 31, 2018. GASB issued Statement No. 76,The Hierarchy of Generally Accepted Accounting Principles for State and Local Governments, which supersedes Statement No. 55. This statement is effective for the city’s fiscal year ending December 31, 2016. In August 2015, GASBissuedStatement No. 77,Tax Abatement Disclosures. The Statement defines tax abatement agreement and requires certain disclosures regarding the tax abatement in its financial statements. This statement is effective for the city’s fiscal year ending December 31, 2017. 38 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO NOTE 2. CASH, CASH EQUIVALENTS, AND INVESTMENTS A. Components of Cash and Investments Cash and investments at year-end consist of the following: Deposits 14,130,114$ Investments 20,278,572 Cash on hand 7,540 Total cash and investments – Statement of Net Position 34,416,226$ Cash and investments are reflected on the Statement of Net Position as follows: Cash and investments – Statement of Net Position 34,416,226$ 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 market value of collateral pledged must equal 110 percent 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 $14,130,114 while the balance on bank records was $14,259,649. All deposits were covered by federal depository insurance, surety bonds, or by collateral held by the city’s agent in the city’s name. C. Cash on hand Cash on hand consists of cash in the possession of the city, including petty cash and change funds. D. 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. 39 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO Concentration Risk – This is the risk associated with investing a significant portion of the city’s investment (5 percent 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 percent 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 percent of the city’s investments are in Bexar County; Federal Home Loan Bank; and Kane, Cook, and DuPage counties. These investments are 5.3 percent, 10.3 percent, and 5.5 percent, respectively, 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 under rule 2a7. 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 following schedule provides information on credit and interest rate risks by investment type for the city’s investments: No Less More Percent of Rating Agency Maturity Than 1 1 to 5 5 to 10 Than 10 Total Holdings U.S. agency securities Federal Farm Credit Bank AA+S&P -$-$-$474,912$-$474,912$2.3% Federal Agriculture Mortgage Corporation AA+S&P ----723,407 723,407 3.6% Federal Home Loan Bank AA+S&P ---1,241,875 843,553 2,085,428 10.3% Federal Home Loan Mortgage Corporation AA+S&P ---375,379 -375,379 1.9% Federal National Mortgage Association AA+S&P ---248,737 507,660 756,397 3.7% Negotiable certificates of deposit N/R N/A -3,213,499 5,072,366 1,438,302 -9,724,167 48.0% Local government securities AAA S&P ----1,664,730 1,664,730 8.2% Local government securities AA+S&P ----440,916 440,916 2.2% Local government securities AA S&P ---297,633 -297,633 1.5% Local government securities Aaa Moody’s ----2,419,399 2,419,399 11.9% Local government securities Aa1 Moody’s ----554,030 554,030 2.7% Local government securities Aa2 Moody’s ---100,266 -100,266 0.5% Money market funds AAAm S&P 609,570 ----609,570 3.0% 4M Fund N/R N/A 52,338 ----52,338 0.3% Total investments 661,908$3,213,499$5,072,366$4,177,104$7,153,695$20,278,572$100.0% N/A – Not Applicable N/R – Not Rated Credit Risk Interest Risk – Maturity Duration in Years Investment Type 40 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO NOTE 3. CAPITAL ASSETS Capital asset activities for the year end December 31, 2015 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 13,825,156$241,761$(5,511,548)$-$8,555,369$-$8,555,369$-$241,761$ Construction in progress 1,742,073 1,412,386 (2,007)(1,887,996)1,264,456 -1,264,456 -1,412,386 Total capital assets, not depreciated 15,567,229 1,654,147 (5,513,555)(1,887,996)9,819,825 -9,819,825 -1,654,147 Depreciable capital assets: Buildings and systems 90,748,030 --1,887,996 92,636,026 -92,636,026 -- Machinery and equipment 5,328,537 166,128 (69,342)-5,425,323 839,632 4,585,691 166,128 - Total capital assets, depreciated 96,076,567 166,128 (69,342)1,887,996 98,061,349 839,632 97,221,717 166,128 - Less accumulated depreciation for: Buildings and systems (41,629,356)(3,872,879)--(45,502,235)-(45,502,235)-(3,872,879) Machinery and equipment (3,712,627)(238,433)69,342 -(3,881,718)(103,173)(3,778,545)(63,569)(174,864) Total accumulated depreciation (45,341,983)(4,111,312)69,342 -(49,383,953)(103,173)(49,280,780)(63,569)(4,047,743) Net capital assets, depreciated 50,734,584 (3,945,184)-1,887,996 48,677,396 736,459 47,940,937 102,559 (4,047,743) Total governmental activities 66,301,813$(2,291,037)$(5,513,555)$-$58,497,221$736,459$57,760,762$102,559$(2,393,596)$ Business-type activities Nondepreciable capital assets: Land 1,197,945$-$-$-$1,197,945$ Construction in progress 2,507,712 1,144,604 -(2,160,434)1,491,882 Total capital assets, not depreciated 3,705,657 1,144,604 -(2,160,434)2,689,827 Depreciable capital assets: Buildings and systems 77,274,052 -(46,712)1,873,003 79,100,343 Machinery and equipment 2,549,969 26,683 (320,251)287,431 2,543,832 Total capital assets, depreciated 79,824,021 26,683 (366,963)2,160,434 81,644,175 Less accumulated depreciation for: Buildings and systems (36,440,026)(1,978,304)--(38,418,330) Machinery and equipment (1,734,100)(108,797)225,266 -(1,617,631) Total accumulated depreciation (38,174,126)(2,087,101)225,266 -(40,035,961) Net capital assets, depreciated 41,649,895 (2,060,418)(141,697)2,160,434 41,608,214 Total business-type activities 45,355,552$(915,814)$(141,697)$-$44,298,041$ 41 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO Depreciation for the year ended December 31, 2015 was charged to function/programs as follows: Governmental activities General government 40,127$ Public safety 71,306 Public works 3,423,313 Recreation and culture 512,997 Capital assets held by the City’s internal service funds – charged to the various functions based on usage of assets 63,569 Total depreciation expense – governmental activities 4,111,312$ Business-type activities Water 513,814$ Sewer 1,103,397 Liquor 46,923 FiberNet 419,782 Deputy registrar 3,185 Total depreciation expense – business-type activities 2,087,101$ NOTE 4. COMMITMENTS During fiscal 2015, the city awarded contracts for various construction and remodeling projects. The city’s commitments for uncompleted work on these contracts at December 31, 2015 are approximately as follows: Sewage Fund Treatment plant upgrades $ 2,086,043 Capital Projects Fund Street construction – School Blvd Overlay $ 169,141 NOTE 5. LONG-TERM LIABILITIES A. Description The city has the following types of long-term liabilities outstanding at December 31, 2015: general obligation (G.O.) bonds and certificates of indebtedness, special assessment improvement bonds, Public Facilities Authority (PFA) loans, compensated absences, net other post-employment benefits (OPEB) obligation, and net pension liability. •General Obligation Bonds – Three of the four outstanding general obligation bond issues financed street improvement projects and construction at the wastewater treatment plant. The fourth issue financed a settlement with telecommunication revenue bondholders and capital equipment purchases in the Central Equipment Fund. •General Obligation Certificates of Indebtedness – The city issues 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. These certificates generally are issued as five-year notes with fluctuating debt service payments each year. •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. •General Obligation Revenue Bonds – The two outstanding general obligation revenue bond issues 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 $2,083,122 and principal and interest payments were $360,158 for a percentage of revenues of 17.29%. •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 leave benefits to certain eligible employees. The liability will be repaid by the Benefit Accrual fund or respective enterprise fund for which each employee is employed. •Net OPEB Obligation – 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 as well as any additional amounts determined annually by the city. The liability will be repaid by the General Fund. •Net Pension Liability – The city contributes to the Minnesota PERA defined benefit retirement fund per Minnesota state statute. The liability is a reflection of the City’s portion of the total net pension liability of the PERA plan based on a percentage of contributions into the plan. 42 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO Long-term liabilities at year-end are summarized as follows: Final Interest Maturity Balance – Original Issue Rate %Issue Date Date End of Year Governmental activities General obligation bonds 2008B Sewer revenue refunding bond 9,270,000$3.00%04/17/2008 08/01/2018 2,968,000$ 2014A General obligation bonds: judgment portion 6,080,000 1.00 - 3.50 12/18/2014 12/15/2030 6,080,000 equipment portion 515,000 1.00 - 3.05 12/18/2014 12/15/2024 515,000 Other general obligation debt 2013A Certificate of indebtedness 500,000 0.35 - 2.10 04/26/2013 12/01/2020 325,000 Special assessments bonds 2007 Improvement bonds 5,137,903 4.00 12/27/2007 02/01/2018 1,649,653 2010A General obligation refunding and improvement bonds 3,255,000 0.40 - 2.70 09/14/2010 02/01/2021 1,690,000 2011A General obligation refunding 10,735,000 2.00 - 3.00 10/19/2011 02/01/2023 5,745,000 2015B General obligation bonds 2,605,000 1.50 - 3.00 11/05/2015 12/15/2030 2,605,000 Net premiums (discounts) on bonds 190,196 Compensated absences payable 226,158 Net OPEB obligation 305,563 Net pension liability 1,887,162 Total governmental activities 24,186,732$ Business-type activities General obligation revenue bonds 2007 Improvement bonds 907,097$4.00 12/27/2007 02/01/2018 290,347$ 2013B Wastewater treatment bonds 3,000,000 2.00 - 3.35 12/05/2013 12/01/2028 2,640,000 Public Facility Authority loan (2015A) 2,391,483 1.06 09/23/2015 08/20/2025 615,268 Net premiums (discounts) on bonds 30,339 Compensated absences payable 77,919 Net pension liability 1,108,334 Total business-type activities 4,762,207$ B. Changes in Long-Term Liabilities January 1,December 31, Due Within 2015 Additions Retirements 2015 One Year Governmental activities General obligation bonds 10,487,000$-$(924,000)$9,563,000$1,361,000$ Certificate of indebtedness 385,000 -(60,000)325,000 60,000 Special assessment bonds 12,203,653 2,605,000 (3,119,000)11,689,653 3,300,250 Revenue bonds 985,000 -(985,000)-- Add premiums on bonds 251,495 46,898 (82,462)215,931 - Less discounts on bonds (184,145)-158,410 (25,735)- Compensated absences 322,842 238,055 (334,739)226,158 86,865 Net OPEB obligation 283,561 35,817 (13,815)305,563 - Net pension liability GERF -1,887,162 *-1,887,162 - Total governmental activities 24,734,406$4,812,932$(5,360,606)$24,186,732$4,808,115$ Business-type activities General obligation revenue bonds 3,206,347$-$(276,000)$2,930,347$279,750$ PFA loans -615,268 -615,268 100,483 Add premiums on bonds 35,071 -(3,858)31,213 - Less discounts on bonds (3,130)-2,256 (874)- Compensated absences 108,136 95,385 (125,602)77,919 34,805 Net pension liability GERF -1,108,334 *-1,108,334 - Total business-type activities 3,346,424$1,818,987$(403,204)$4,762,207$415,038$ * Includes January 1, 2015 pension liability balance related to GASB Statement No. 68 implementation. See Notes 6 and 15 for further details. 43 Notes to the Financial Statements December 31, 2015 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 2016 1,361,000$268,725$60,000$5,250$3,300,250$259,624$279,750$76,643$100,483$6,830$ 2017 1,394,000 231,899 65,000 4,590 1,666,250 193,493 273,750 69,173 109,000 24,353 2018 1,433,000 192,922 65,000 3,713 1,708,153 149,974 281,847 61,748 111,000 23,195 2019 415,000 160,609 65,000 2,673 820,000 119,555 185,000 56,098 112,000 22,015 2020 420,000 152,931 70,000 1,470 840,000 102,753 190,000 52,398 113,000 20,824 2021 - 2025 2,220,000 597,671 --2,380,000 264,200 1,025,000 195,683 69,785 10,277 2026 - 2030 2,320,000 246,699 --975,000 88,775 695,000 45,587 -- 9,563,000$1,851,456$325,000$17,696$11,689,653$1,178,374$2,930,347$557,330$615,268$107,494$ Business-Type Activities PFA Loan Governmental Activities General Obligation Bonds General Obligation Special General Obligation Bonds Certificate of Indebtedness 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, 2015, there was one series of Senior Housing Refunding Revenue Bonds outstanding. The original issue amounts totaled $3,000,000 with an interest rate of 4.75 percent. This balance has been reduced through annual payments and partial call prepayments. The outstanding balance as of December 31, 2015 is undetermined. E. Pay-As-You-Go Tax Increment Note The city has development agreements with private developers for a property 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. The notes provide for the payment of principal equal to the developers’ costs, plus interest at rates ranging from 5.0 percent to 8.5 percent (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 note will be canceled at the end of the agreement term, whether it has been fully repaid or not. The outstanding principal balance of these notes as of December 31, 2015 is $1,858,476. 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, as such, is not actual debt in substance. F. 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, 2015, there are no amounts of arbitrage rebates. 44 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO G. Revenue Pledged Future revenue pledged for the payment of long-term debt is as follows: 2008A Public 2013B G.O. Project Revenue Wastewater Refunding Bonds Treatment Bonds PFA Loan Use of proceeds Community Center Sewage Fund Sewage Fund Revenue pledged Type User fees Utility charges Utility charges Percent of total 100%81%19% debt service Term of pledge 2008-2015 2013-2028 2013-2025 Remaining principal and interest -$3,179,960$722,762$ Current year Principal and interest paid 1,000,760$250,598$-$ Pledged revenue received 1,401,024$1,663,154$378,012$ 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 (GERF) All full-time and certain part-time employees of the city are covered by the General Employees Retirement Fund (GERF). GERF members belong to either the Coordinated Plan or the Basic Plan. Coordinated Plan members are covered by Social Security and Basic Plan members are not. The Basic Plan was closed to newmembers in 1967. All new members must participate in the Coordinated Plan. 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. Benefit increases are provided to benefit recipients each January. Increases are related to the funding ratio of the plan. Members in plans that are at least 90% funded for two consecutive years are given 2.5% increases. Members in plans that have not exceeded 90% funded, or have fallen below 80%, are given 1% increases. The benefit provisions stated in the following paragraph of this section are current provisions and apply to active plan participants. 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. GERF 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 and Basic Plan members. The retiring member receives the higher of a step- rate benefit accrual formula (Method 1) or a level accrual formula (Method 2). Under Method 1, the annuity accrual rate for a Basic Plan member is 2.2% of average salary for each of the first ten years of service and 2.7% for each remaining year. The annuity accrual rate for a Coordinated Plan member is 1.2% of average salary for each of the first ten years and 1.7% for each remaining year. Under Method 2, the annuity accrual rate is 2.7% of average salary for Basic Plan members and 1.7% for Coordinated Plan members for each year 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. C. Contributions Minnesota Statutes Chapter 353 sets the rates for employer and employee contributions. Contribution rates can only be modified by the state legislature. GERF Contributions Basic Plan members and Coordinated Plan members were required to contribute 9.1% and 6.50%, respectively, of their annual covered salary in calendar year 2015. The citywas required to contribute 11.78% of pay for Basic Plan members and 7.50% for Coordinated Plan members in calendar year 2015. The city’s contributions to the GERF for the year ended December 31, 2015, were $266,042. The city’s contributions were equal to the required contributions as set by state statute. 45 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO D. Pension Costs GERF Pension Costs At December 31, 2015, the city reported a liability of $2,995,496 for its proportionate share of the GERF’s net pension liability. The net pension liability was measured as of June 30, 2015, 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, 2014, through June 30, 2015, relative to the total employer contributions received from all of PERA’s participating employers. At June 30, 2015, the [entity’s] proportion share was 0.0578% which was a decrease of 0.0045 % from its proportion measured as of June 30, 2014. For the year ended December 31, 2015, the city recognized pension expense of $252,783 for its proportionate share of the GERF’s pension expense. At December 31, 2015, the city reported its proportionate share of the GERF’s deferred outflows of resources and deferred inflows of resources related to pensions from the following sources: Deferred Deferred Outflows Inflows of Resources of Resources Differences between expected and actual economic experience 29,942$151,024$ Changes in actuarial assumptions 184,386 - Difference between projected and actual investment earnings -266,654 Changes in proportion -182,605 Contributions paid to PERAsubsequent to the measurement date 136,901 - Total 351,229$600,283$ The $136,901 reported as deferred outflows of resources related to pensions resulting from city contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ended December 31, 2016. Other amounts reported as deferred outflows and inflows of resources related to pensions will be recognized in pension expense as follows: Pension Year ended Expense December 31,Amount 2016 (116,561)$ 2017 (116,561) 2018 (223,725) 2019 70,892 (385,955)$ E. Actuarial Assumptions The total pension liability in the June 30, 2015, actuarial valuation was determined using the following actuarial assumptions: Inflation 2.75% per year Active Member Payroll Growth 3.50% per year Investment Rate of Return 7.90% Salary increases were based on a service-related table. Mortality rates for active members, retirees, survivors and disabilitants were based on RP-2000 tables for males or females, as appropriate, with slight adjustments. Cost of living benefit increases for retirees are assumed to be: 1% effective every January 1st until 2034, then 2.5% for GERF. Actuarial assumptions used in the June 30, 2015, valuation were based on the results of actuarial experience studies. The experience study in the GERF was for the period July 1, 2004, through June 30, 2008, with an update of economic assumptions in 2014. There were no changes in actuarial assumptions in 2015. The long-term expected rate of return on pension plan investments is 7.9%. The State Board of Investment, which manages the investments of PERA, prepares an analysis of the reasonableness of the long-term expected rate of return on a regular basis 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. 46 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO 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 Domestic Stocks 45%5.50% International Stocks 15%6.00% Bonds 18%1.45% Alternative Assets 20%6.40% Cash 2%0.50% Total 100% Asset Class F. Discount Rate The discount rate used to measure the total pension liability was 7.9%. The projection of cash flows used to determine the discount rate assumed that employee and employer contributions will be made at the rate specified in statute. Based on that assumption, each of the pension plan’s fiduciary net position was projected to be available to make all projected future benefit payments of current active and inactive employees. 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 for all plans it participates in, 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: 1% Decrease 1% Increase In Discount Discount In Discount Rate (6.9%)Rate (7.9%)Rate (8.9%) City's proportionate share of the GERF net pension liability 4,709,984$2,995,496$1,579,592$ H. Pension Plan Fiduciary Net Position Detailed information about each 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. DEFINED CONTRIBUTION PENSION PLANS – STATE- WIDE Three Council members of the city are covered by the Public Employees Defined Contribution Plan (PEDCP), a multiple-employer deferred compensation plan administered by PERA. 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% (.0025) of the assets in each member's account annually. Total contributions made by the city during fiscal year 2015 were: Required Employee Employer Employee Employer Rate 1,140$1,140$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 contribution plan administered by the Monticello Fire Relief Association (the Association). As of December 31, 2015, the plan covered 29 47 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO active firefighters and 3 retirees and beneficiaries. The plan is a single-employer retirement plan that is established and administered in accordance with Minnesota Laws 1965, chapter 446, as amended and Minnesota statute, chapters 69 and 424A. 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 contributions from the city and 2% fire aid from the State of Minnesota. Funds are also derived 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 $3,300 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 or totally disabled, the Association shall pay the sum of $3,300 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. 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 percent of any deficits •Less anticipated income next year and 10 percent 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 $108,186 in fire state aid to the plan on behalf of the City Fire Department for the year ended December 31, 2015, 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, 2015 were $108,186. 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 firefighter has no obligation to contribute to the plan. D. Pension Costs At December 31, 2015, the city reported a net pension asset of $9,325 for the FRA plan. The total pension liability used to calculate the net pension asset 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, 2015. For the year ended December 31, 2015, the Fire Department recognized pension expense of $66,003. At December 31, 2015, the fire department reported deferred outflows/inflows of resources: Deferred Deferred Outflows Inflows of Resources of Resources Net difference between projected and actual investment earnings 48,839$-$ 48 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO 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 2016 12,210$ 2017 12,210 2018 12,210 2019 12,209 48,839$ E. Actuarial Assumptions The total pension liability at December 31, 2015, was determined using the entry age normal actuarial cost method and the following assumptions: Retirement eligibility at 100 percent service pension at age 50 and 20 years of service, early vested retirement at age 50 with 10 years of service vested at 60 percent and increased by 4 percent for each additional year of service up to 20 and eligibility for deferred service pension payable at age 50 and 20 years of service. SalaryIncreases 2.00% per year Cost of living increases 2.00% per year Investment rate of return 4.19% 20 year municipal bond yield 3.57% There were no changes in actuarial assumptions in 2015. The 4.19 percent 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 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 6.5%-0.7% Mutual funds 93.5%3.8% 100.0% Asset Class F. Discount Rate The discount rate used to measure the total pension liability was 4.19 percent. 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. G. Changes in the Net Pension Liability Total Plan Net Pension Pension Fiduciary Liability Liability Net Position (Asset) (a)(b)(a-b) Beginning balance 12/31/14 1,026,005$1,053,739$(27,734)$ Changes for the year Service cost 77,343 -77,343 Interest on total pension liability 41,888 -41,888 Contributions from employer -120,027 (120,027) Supplemental benefits reimbursed -2,000 (2,000) Net investment income -(17,673)17,673 Benefit payments (128,101)(128,101)- Administrative expenses -(3,532)3,532 Ending balance 12/31/15 1,017,135$1,026,460$(9,325)$ 49 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO 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 percent lower or 1 percent higher than the current discount rate: 1% Decrease 1% Increase In Discount Discount In Discount Rate (3.19%)Rate (4.19%)Rate (5.19%) Net Pension Asset (Liability)(19,611)$9,325$37,068$ 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. NOTE 9. OTHER POST-EMPLOYMENT BENEFITS (OPEB) PLAN A. Plan Description The city provides post-employment insurance benefits to certain eligible employees through the city’s OPEB Plan, a single-employer defined benefit plan administered by the city. All post-employment benefits are based on contractual agreements with employee groups. The Retiree Health Plan does not issue a publicly available financial report. These contractual agreements do not include any specific contribution or funding requirements. These benefits are summarized as follows: Post-Employment Insurance Benefits – All retirees of the city have the option under state law to continue their medical insurance coverage through the city from the time of retirement until the employee reaches the age of eligibility for Medicare. For members of all employee groups, the retiree must pay the full premium to continue coverage for medical and dental insurance. 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, 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. B. Funding Policy The required contribution is based on projected pay-as-you-go financing requirements, with additional amounts to pre-fund benefits as determined annually by the city. C. Annual OPEB Cost and Net OPEB Obligation The city’s annual OPEB cost (expense) is calculated based on the ARC of the city, an amount determined on an actuarially determined basis in accordance with the parameters of GASB Statement Nos. 43 and 45. The ARC represents a level funding that, if paid on an ongoing basis, is projected to cover normal costs each year and amortize any unfunded actuarial liabilities (or funding excess) over a period not to exceed 30 years. The following table shows the components of the city’s annual OPEB cost for the year, the amount actually contributed to the plan, and the changes in the city’s net OPEB obligation to the plan: ARC 40,874$ Interest on net OPEB obligation 11,342 Adjustment to ARC (16,399) Annual OPEB cost (expense)35,817 Less contribution made 13,815 Increase in net OPEB obligation 22,002 Net OPEB obligation – beginning of year 283,561 Net OPEB obligation – end of year 305,563$ The city’s annual OPEB cost, the percentage of annual OPEB cost contributed to the plan, and the net OPEB obligation for the last three years are as follows: Percentage Fiscal Year Beginning Annual of Annual Beginning OPEB OPEB Employer OPEB Cost Net OPEB January 1, Obligation Cost Contribution Contributed Obligation 2013 215,663$57,761$17,820$30.9%255,604$ 2014 255,604$34,718$6,761$19.5%283,561$ 2015 283,561$35,817$13,815$38.6%305,563$ 50 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO D. Funded Status and Funding Progress As of January 1, 2014, the most recent actuarial valuation date, the plan was zero percent funded. The actuarial accrued liability for benefits was $265,486 and the actuarial value of assets was $0, resulting in an unfunded actuarial accrued liability (UAAL) of $265,486. The covered payroll (annual payroll of active employees covered by the plan) was $3,914,601, and the ratio of the UAAL to the covered payroll was 6.78 percent. Actuarial valuations of an ongoing plan involve estimates of the value of reported amounts and assumptions about the probability occurrence of events far into the future. Examples include assumptions about future employment, mortality, and the healthcare cost trend. Amounts determined regarding the funded status of the plan and ARC of the employer are subject to continual revision as actual results are compared with past expectations and new estimates are made about the future. The Schedule of Funding Progress immediately following the notes to basic financial statements presents multi-year trend information about whether the actuarial value of plan assets is increasing or decreasing over time relative to the actuarial accrued liabilities for benefits. The city’s net OPEB obligation is typically liquidated using the General fund. E. Actuarial Methods and Assumptions Projections of benefits for financial reporting purposes are based on the substantive plan (the plan as understood by the employer and the plan members) and include the types of benefits provided at the time of each valuation and the historical pattern of sharing of benefit costs between the employer and plan members to that point. The actuarial methods and assumptions used include techniques that are designed to reduce the effects of short-term volatility in actuarial accrued liabilities and the actuarial value of assets, consistent with the long-term perspective of the calculations. In the January 1, 2014 actuarial valuation, the projected unit credit actuarial cost method was used. The actuarial assumptions included: a 4.0 percent investment rate of return (net of administrative expenses) based on the city’s own investments; an annual healthcare cost trend rate of 10.0 percent initially, reduced by decrements to an ultimate rate of 5.0 percent after 10 years for medical insurance. The assumptions used did not include OPEB inflation increases. The city has chosen to amortize the entire UAAL as a level dollar amount over a 30 year open period. This method will re-amortize the UAAL each year over 30 years. Absent actuarial gains, the UAAL will never be fully recognized under this method. 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, 2015 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 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 69%. 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. 51 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO NOTE 11. FUND BALANCES Classifications At December 31, 2015, 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 113,302$19,469$869$-$-$1,259$134,899$ Land held for resale --2,473,957 -1,764,189 -4,238,146 Total nonspendable 113,302 19,469 2,474,826 -1,764,189 1,259 4,373,045 Restricted Debt service ---5,382,214 --5,382,214 Economic development --1,342,354 --1,120,762 2,463,116 Perpetual care -----32,388 32,388 Tax increment --742,187 ---742,187 Total restricted --2,084,541 5,382,214 -1,153,150 8,619,905 Assigned Capital improvements ----3,628,024 4,868,311 8,496,335 Economic development --2,003,498 ---2,003,498 Community center operations -609,973 ----609,973 Total assigned -609,973 2,003,498 -3,628,024 4,868,311 11,109,806 Unassigned 4,873,494 -----4,873,494 Total 4,986,796$629,442$6,562,865$5,382,214$5,392,213$6,022,720$28,976,250$ Special Revenue Funds 52 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO NOTE 12. CONCENTRATION OF REVENUES Cargill Kitchen solutions is the largest customer of water and sewage services. The company’s water purchases account for $69,127, or 6.1 percent, of Water Fund operating revenue; and the company’s sewage charges account for $315,472, or 15.1 percent, of Sewage Fund operating revenue. Additionally, Northern States Power Company’s (Xcel Energy) net tax capacity for property taxes payable in 2015 is $14,453,109, or 58.6 percent, of the total net capacity of $24,646,698. Accordingly, Xcel Energy’s share of the $8.535 million city property tax levy is $5.16 million. The tax capacity on January 1, 2015, is based on market values certified to the state on January 1, 2014. In both 2013 and 2014, Xcel Energy uprated energy producing assets at its Monticello nuclear plant, increasing the company’s net tax capacity to $15,913,229, or 61.5 percent, of the $25,891,898 total tax capacity for taxes payable in 2016. NOTE 13. CLAIMS AND JUDGMENTS The city participates in a number of federal and state programs that are fully or partially funded by grants received from other governmental units. Expenditures financed by grants are subject to audit by the appropriate grantor government. If expenditures are disallowed due to noncompliance with grant program regulations, the city may be required to reimburse the grantor government. As of December 31, 2015, significant amounts of grant expenditures have not been audited by the granting agency, but the city believes that disallowed expenditures discovered in subsequent audits, if any, will not have a material effect on any of the individual funds or the overall financial position of the city. NOTE 14. CHANGE IN ACCOUNTING STANDARDS The city implemented several new accounting pronouncements issued by the Governmental Accounting Standards Board (GASB), including State No. 68, Accounting and Financial Reporting for Pension – an Amendment of GASB Statement No. 27 and Statement No. 71,Pension Transition for Contributions Made Subsequent to the Measurement Date – an Amendment of GASB Statement No. 68, for the year ended December 31, 2015. These standards required a retroactive implementation which resulted in the restatement of beginning balances in the December 31, 2014 financial statements. Changes related to these standards are reflected in the financial statements and schedules and related disclosures are included in Notes 6 and 8. As a result of the restatement of beginning balances, the following schedule reconciles the previously reported December 31, 2014 balances to the December 31, 2015 financial statements: Net Position December 31,Net Position 2014 January 1, as Previously 2015 Reported (1) Restatement as Restated Governmental activities 73,499,780$(2,019,396)$71,480,384$ Proprietary funds Water 14,901,305$(129,976)$14,771,329$ Sewage 20,761,130 (162,471)20,598,659 Liquor 987,433 (357,435)629,998 Fiber Optics 14,198,557 (357,435)13,841,122 Deputy Registrar 380,876 (194,965)185,911 Internal service funds proprietary portion 9,915 -9,915 Total business-type activities 51,239,216$(1,202,282)$50,036,934$ (1) To record the beginning net pension liability and deferred outflows/inflows of resources at December 31, 2014. Activities/Fund In January 2014 GASB issued Statement No. 69,Government Combinations and Disposals of Government Operations.It establishes accounting related to government combinations and disposals of government operations. Government combinations include mergers, acquisitions, and transfers of operations. Statement No. 69 also establishes the required financial statement disclosure for government combinations and disposals of government operations. The implementation of this Statement did not have a significant impact on the city’s financial statements. NOTE 15. SPECIAL ITEM: CONTRIBUTION OF LAND TO COUNTY The city and Wright County have been jointly acquiring parcels of land located around the Bertram Chain of Lakes since 2008. In 2015, the city and county made an agreement regarding which parcels of land each entity would be in charge of maintaining. Because the county would be maintaining parcels that the city and county owed jointly but were recorded on the city’s financial statements, the city contributed those parcels to the county in the amount of $5,511,547. 53 Notes to the Financial Statements December 31, 2015 CITY OF MONTICELLO NOTE 16. INTERFUND TRANSFERS Interfund transfers for the year ended December 31, 2015 consisted of the following: Transfers In Transfers Out Governmental funds: General Fund -$297,012$ Community Center -1,029,046 Economic Development Authority 94,900 - Debt Service 3,306,045 5,872 Capital Projects 5,872 855,000 Nonmajor governmental 855,000 - Internal service 226,158 - Total governmental funds 4,487,975 2,186,930 Enterprise funds: Water -790,958 Sewage -1,510,087 Liquor -450,000 Fiber Optics 450,000 - Total enterprise funds 450,000 2,751,045 Total 4,937,975$4,937,975$ The following schedule reflects each fund transfer: Transfers Out Amount Economic Development Authority General 94,900 (1) Debt Service Community Center 1,005,000 (2) Water 790,958 (2) Sewage 1,510,087 (2) Capital Projects Debt Service 5,872 (3) Nonmajor governmental Capital Projects 855,000 (4) Fiber Optics Liquor 450,000 (5) Internal service General 202,112 (6) Community Center 24,046 (6) Total 4,937,975$ (1) Annual transfer to subsidize fund operations. (2) Transfer for principal and interest payments on various debt issues. (3) Transfer to close out portion of debt service fund attributable to the 2008A bond, which was paid off in 2015. (4) Transfer for land acquisition and park development. (5) Transfer to subsidize fund operating and capital expenditures. (6) Transfer to set up internal service fund for benefit accruals. Transfers In 54 REQUIRED SUPPLEMENTARY INFORMATION CITY OF MONTICELLO Required Supplementary Information Schedules of Employer's Share of Net Pension Liability Last Ten Fiscal Years Fiscal Year Ending June 30, Employer's Proportion (Percentage) of the Net Pension Liability Employer's Proportionate Share (Amount) of the Net Pension Liability (a) Employer's Covered Payroll (b) Employer's Proportionate Share of the Net Pension Liability as a Percentage of its Covered Payroll (a/b) Plan Fiduciary Net Position as a Percentage of the Total Pension Liability 2015 0.0578%$2,995,496 $3,395,756 88.21%78.2% Fiscal Year Ending December 31, Employer's Proportion (Percentage) of the Net Pension Liability Employer's Proportionate Share (Amount) of the Net Pension Liability (Asset) (a) Employer's Covered Payroll* (b) Employer's Proportionate Share of the Net Pension Liability as a Percentage of its Covered Payroll (a/b) Plan Fiduciary Net Position as a Percentage of the Total Pension Liability 2015 100.0%($9,325)N/A N/A 100.9% * 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). * This schedule is provided prospectively beginning with the fiscal year ended December 31, 2015. **For purposes of this schedule, covered payroll is defined as "pensionable wages." Public Employees Retirement Association - General Employees Retirement Fund Monticello Fire Department Relief Association 55 CITY OF MONTICELLO Required Supplementary Information Schedules of Employer's Pension Contributions 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) Employer's Covered Payroll** (c) Contributions as a Percentage of Covered Payroll (b/c) 2015 266,042$266,042$-$3,547,217$7.5% Fiscal Year Ending December 31, Statutorily Determined Contributions (a) Actual Contributions Paid (b) Contribution Deficiency (Excess) (a-b) 2014 120,027$120,027$-$ 2015 108,186 108,186 - * This schedule is presented prospectively beginning with the fiscal year ended December 31, 2015. **For purposes of this schedule, covered payroll is defined as "pensionable wages." Public Employees Retirement Association - General Employees Retirement Fund Monticello Fire Department Relief Association 56 CITY OF MONTICELLO Required Supplementary Information Schedule of Changes in the Fire Relief Association's Net Pension Liability (Asset) and Related Ratios 2015 Total pension liability Service cost 77,343$ Interest 41,888 Benefit payments, including refund of member contributions (128,101) Net change in total pension liability (8,870) Total pension liability - beginning 1,026,005 Total pension liability - ending (A)1,017,135 Plan fiduciary net position Contributions - State 122,027$ Contributions - Municipal - Net investment income (17,673) Benefit payments, including refund of member contributions (128,101) Administrative expenses (3,532) Net change in plan fiduciary net position (27,279) Plan fiduciary net position - beginning 1,053,739 Plan fiduciary net position - ending (B)1,026,460 Net pension liability (asset) - ending (A)-(B)(9,325) Plan fiduciary net position as a percentage of the total pension liability 100.92% Covered payroll*N/A Net pension liability as a percentage of covered payroll*N/A Notes to Schedule: This schedule is built prospectively until it contains ten years of data. *The Association is comprised of volunteers, therefore, there are no payroll expenditures (i.e., there are no covered payroll percentage calculations) 57 CITY OF MONTICELLO Required Supplementary Information Schedule of Funding Progress Unfunded Unfunded Actuarial Actuarial Actuarial Actuarial Liability as a Valuation Date Accrued Value of Accrued Funded Covered Percentage January 1,Liability Plan Assets Liability Ratio Payroll of Payroll 2008 302,787$-$302,787$-- %3,080,457$9.83% 2011 362,290 -362,290 -- %3,108,685 11.65% 2014 265,486 -265,486 -- %3,914,601 6.78% City of Monticello Other Post-Employment Benefits Plan 58 (This page left blank intentionally) 59 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Changes in Fund Balance Budget and Actual - General Fund For the Year Ended December 31, 2015 101 Orginal and Final Variance with Budget Actual Final Budget Revenues Property taxes 5,901,500$5,906,255$4,755$ Franchise taxes 217,000 216,500 (500) Special assessments 300 1,330 1,030 Licenses and permits 321,180 461,049 139,869 Intergovernmental 299,177 354,679 55,502 Charges for services 267,761 349,601 81,840 Fines and forfeitures 42,100 42,474 374 Investment earnings 101,500 64,037 (37,463) Other revenues 95,482 241,721 146,239 Total revenues 7,246,000 7,637,646 391,646 Expenditures: Current General government Mayor and council 53,925 52,572 (1,353) City administration 305,153 312,491 7,338 Elections 3,093 2,979 (114) Finance 405,558 377,867 (27,691) Audit 43,000 37,798 (5,202) City assessing 52,115 50,466 (1,649) Legal 37,000 36,946 (54) Human resources 116,631 117,249 618 Planning and zoning 203,320 244,976 41,656 Information technology services 46,829 19,872 (26,957) City hall 208,078 198,915 (9,163) Prairie center building 19,080 13,327 (5,753) Public safety Law enforcement 1,175,815 1,174,439 (1,376) Fire and rescue 266,011 309,970 43,959 Fire relief 80,000 120,027 40,027 Building inspections 304,452 304,858 406 Civil defense 3,856 1,500 (2,356) Animal control 50,724 48,754 (1,970) National Guard 17,050 13,438 (3,612) (continued) 60 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Changes in Fund Balance Budget and Actual - General Fund For the Year Ended December 31, 2015 (Continued) Orginal and Final Variance with Budget Actual Final Budget Expenditures (continued) Public works Public works administration 123,580$124,504$924$ Engineering 169,508 110,555 (58,953) Public works inspecitons 96,952 32,084 (64,868) Streets and alleys 876,407 737,836 (138,571) Ice and snow removal 250,684 263,020 12,336 Shop and garage 194,810 185,837 (8,973) Stormwater 73,168 26,712 (46,456) Parking lots 9,403 2,030 (7,373) Street lighting 229,500 226,485 (3,015) Sanitation Refuse and recycling collection 588,291 563,477 (24,814) Transit Bus service 40,000 40,000 - Recreation and culture Community celebrations 3,300 2,199 (1,101) Senior center 99,922 97,115 (2,807) Park operations 803,325 706,934 (96,391) Park ballfields 32,800 16,971 (15,829) Shade tree 58,628 104,990 46,362 Library 39,962 36,176 (3,786) Total expenditures 7,081,930 6,715,369 (366,561) Excess (deficiency) of revenues over expenditures 164,070 922,277 758,207 Other financing sources (uses) Sale of capital assets -30,473 30,473 Transfers out (164,070)(297,012)(132,942) Total other financing sources (uses)(164,070)(266,539)(102,469) Net change in fund balance -655,738 655,738 Fund balance at beginning of year 4,331,058 4,331,058 - Fund balance at end of year 4,331,058$4,986,796$655,738$ 61 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Changes in Fund Balance Budget and Actual - Community Center Fund For the Year Ended December 31, 2015 226 Orginal and Final Variance with Budget Actual Final Budget Revenues Property taxes 1,363,000$1,363,000$-$ Charges for services 1,405,550 1,401,024 (4,526) Investment earnings 2,500 (1,544)(4,044) Other revenues 37,000 32,827 (4,173) Total revenues 2,808,050 2,795,307 (12,743) Expenditures Current Recreation and culture Community center operations 1,626,247 1,472,593 (153,654) Community center programming 151,821 97,463 (54,358) Ballfields 24,982 7,587 (17,395) Total expenditures 1,803,050 1,577,643 (225,407) Excess (deficiency) of revenues over expenditures 1,005,000 1,217,664 212,664 Other financing sources (uses) Transfers out (1,005,000)(1,029,046)(24,046) Total other financing sources (uses)(1,005,000)(1,029,046)(24,046) Net change in fund balance -188,618 188,618 Fund balance at beginning of year 440,824 440,824 - Fund balance at end of year 440,824$629,442$188,618$ 62 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, 2015 213 Orginal and Final Variance with Budget Actual Final Budget Revenues Tax increments 641,437$727,617$86,180$ Intergovernmental -11,875 11,875 Charges for services -1,250 1,250 Investment earnings 65,000 52,034 (12,966) Other revenues 1,750 622 (1,128) Total revenues 708,187 793,398 85,211 Expenditures Current Economic development General operations 116,150 135,487 19,337 Land held for resale adjustment -745,800 745,800 Developmental activities 479,104 355,820 (123,284) Total expenditures 595,254 1,237,107 641,853 Excess (deficiency) of revenues over expenditures 112,933 (443,709)(556,642) Other financing sources Transfers in 94,900 94,900 - Net change in fund balance 207,833 (348,809)(556,642) Fund balance at beginning of year 6,911,674 6,911,674 - Fund balance at end of year 7,119,507$6,562,865$(556,642)$ 63 Notes to the Required Supplementary Information December 31, 2015 CITY OF MONTICELLO Budgetary Information 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 major 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. 64 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 1,120,404$32,888$358$1,174,049$1,775,943$610,649$1,151,830$5,866,121$ Receivables Accounts receivable -----4,180 -4,180 Due from other governmental units -----67,860 100,000 167,860 Notes receivable --129,279 ----129,279 Prepaid items -1,259 -----1,259 Total assets 1,120,404$34,147$129,637$1,174,049$1,775,943$682,689$1,251,830$6,168,699$ LIABILITIES Accounts and contracts payable -$500$-$-$-$1,029$15,171$16,700$ DEFERRED INFLOWS OF RESOURCES Unavailable revenue - notes receivable --129,279 ----129,279 FUND BALANCES Nonspendable -1,259 -----1,259 Restricted for economic development 1,120,404 -358 ----1,120,762 Restricted for perpetual care -32,388 -----32,388 Assigned for capital improvements ---1,174,049 1,775,943 681,660 1,236,659 4,868,311 Total fund balances 1,120,404 33,647 358 1,174,049 1,775,943 681,660 1,236,659 6,022,720 Total liabilities, deferred inflows of resources, and fund balances 1,120,404$34,147$129,637$1,174,049$1,775,943$682,689$1,251,830$6,168,699$ Special Revenue Funds Capital Project Funds December 31, 2015 65 CITY OF MONTICELLO Combining Statement of Revenues, Expenditures and Changes in Fund Balance Nonmajor Governmental Funds For the Year Ended December 31, 2015 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 -$-$-$-$-$80,119$-$80,119$ Special assessments ------112,408 112,408 Intergovernmental ------207,929 207,929 Charges for services -26,394 -285,251 ---311,645 Investment earnings 15,715 460 (30)15,399 24,910 12,220 15,224 83,898 Total revenues 15,715 26,854 (30)300,650 24,910 92,339 335,561 795,999 Expenditures: Current Public works ---322 ---322 Recreation and culture -25,256 ----55,707 80,963 Capital outlay Public works -----333,559 -333,559 Recreation and culture ------636,528 636,528 Total expenditures -25,256 -322 -333,559 692,235 1,051,372 Excess (deficiency) of revenues over expenditures 15,715 1,598 (30)300,328 24,910 (241,220)(356,674)(255,373) Other financing sources Transfers in ------855,000 855,000 Net change in fund balance 15,715 1,598 (30)300,328 24,910 (241,220)498,326 599,627 Fund balance at begining of year 1,104,689 32,049 388 873,721 1,751,033 922,880 738,333 5,423,093 Fund balance at end of year 1,120,404$33,647$358$1,174,049$1,775,943$681,660$1,236,659$6,022,720$ Special Revenue Funds Capital Project Funds 66 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 employees. Central Equipment Fund – This fund was established to account for equipment purchase 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, 2015 704 703 702 Benefit Central IT Accrual Equipment Services Total ASSETS Current assets Cash and investments 226,158$848,728$108,600$1,183,486$ Prepaid items --26,874 26,874 Total current assets 226,158 848,728 135,474 1,210,360 Noncurrent assets Capital assets Machinery and equipment -822,619 17,013 839,632 Less accumulated depreciation -(94,736)(8,437)(103,173) Total noncurrent assets -727,883 8,576 736,459 TOTAL ASSETS 226,158 1,576,611 144,050 1,946,819 LIABILITIES Current liabilities Accounts payable -20,805 12,723 33,528 Accrued interest payable -897 -897 Bonds payable due within one year -115,000 -115,000 Compensated absences due within one year 86,865 --86,865 Total current liabilities 86,865 136,702 12,723 236,290 Noncurrent liabilities Bonds payable, net current portion -725,000 -725,000 Compensated absences payable 139,293 --139,293 Total noncurrent liabilities 139,293 725,000 -864,293 TOTAL LIABILITIES 226,158 861,702 12,723 1,100,583 NET POSITION Net investment in capital assets -(112,117)8,576 (103,541) Unrestricted -827,026 122,751 949,777 TOTAL NET POSITION -$714,909$131,327$846,236$ 67 CITY OF MONTICELLO Combining Statement of Revenues, Expenses and Changes in Net Position Internal Service Funds For the Year Ended December 31, 2015 704 703 702 Benefit Central IT Accrual Equipment Services Total Operating revenues Charges to other funds -$142,800$278,101$420,901$ Operating expenses Personal services 226,158 --226,158 Materials and supplies --18,582 18,582 Other services and charges --196,834 196,834 Depreciation -60,166 3,403 63,569 Total operating expenses 226,158 60,166 218,819 505,143 Operating income (loss)(226,158)82,634 59,282 (84,242) Nonoperating revenues (expenses) Investment earnings -15,357 1,252 16,609 Interest expense -(16,193)-(16,193) Total nonoperating revenues (expenses)-(836)1,252 416 Income (loss) before transfers (226,158)81,798 60,534 (83,826) Transfers in 226,158 --226,158 Change in net position -81,798 60,534 142,332 Net position at beginning of year -633,111 70,793 703,904 Net position at end of year -$714,909$131,327$846,236$ 68 CITY OF MONTICELLO Combining Statement of Cash Flows Internal Service Funds For the Year Ended December 31, 2015 704 703 702 Benefit Central IT Accrual Equipment Services Total Cash flow from operating activities Cash received from internal customers -$142,800$278,101$420,901$ Cash paid to suppliers for goods and services --(253,458)(253,458) Net cash provided by operating activities -142,800 24,643 167,443 Cash flows from noncapital financing activities Transfers from other funds 226,158 --226,158 Net cash provided (used) by noncapital financing activities 226,158 --226,158 Cash flows from capital and related financing activities Acquisition of capital assets -(218,658)-(218,658) Principal payments on long-term debt -(60,000)-(60,000) Interest and fiscal charges paid on long-term debt -(16,678)-(16,678) Net cash (used) by capital and related financing activities -(295,336)-(295,336) Cash flows from investing activities Interest on investments -15,357 1,252 16,609 Net cash provided by investing activities -15,357 1,252 16,609 Increase (decrease) in cash and cash equivalents 226,158 (137,179)25,895 114,874 Cash and cash equivalents - January 1 -985,907 82,705 1,068,612 Cash and cash equivalents - December 31 226,158$848,728$108,600$1,183,486$ Reconciliation of operating income (loss) to net cash provided by operating activities: Operating income (loss)(226,158)$82,634$59,282$(84,242)$ Adjustments to Reconcile Operating Income (Loss) to Net Cash Provided by Operating Activities: Depreciation -60,166 3,403 63,569 Changes in assets and liabilities: Increase in prepaid items --(26,780)(26,780) Increase in accounts and contracts payable --(11,189)(11,189) Increase in due to other government units --(73)(73) Increase (decrease) in compensated absences 226,158 --226,158 Net cash provided by operating activities -$142,800$24,643$167,443$ Noncash investing, capital, and financing activities Increase (decrease) in fair value of investments -$(17,961)$243$(17,718)$ 69 (This page left blank intentionally) 70 OTHER SUPPLEMENTARY SCHEDULES CITY OF MONTICELLO Schedule of Revenues (Sources) and Expenditures (Uses) General Fund For the Year Ended December 31, 2015 2015 Variance with 2012 2013 2014 Final 2015 Final Actual Actual Actual Budget Actual Budget Revenue and other sources - summary: Property taxes 5,711,491$5,605,101$5,527,958$5,901,500$5,906,255$4,755$ Franchise taxes 195,500 217,000 216,500 217,000 216,500 (500) Special assessments 10,349 22,351 22,808 300 1,330 1,030 Licenses and permits 275,198 331,136 378,810 321,180 461,049 139,869 Intergovernmental 301,895 372,632 320,691 299,177 354,679 55,502 Charges for services 312,807 281,138 319,477 267,761 349,601 81,840 Fines and forfeitures 63,106 41,124 1,900 42,100 42,474 374 Investment earnings 85,603 (52,134)150,754 101,500 64,037 (37,463) Other 406,167 169,997 180,104 95,482 241,721 146,239 Sales of capital assets ----30,473 30,473 Interfund transfers 1,729 ----- Total Revenues & Other Sources 7,363,845 6,988,345 7,119,002 7,246,000 7,668,119 422,119 Revenue and other sources - detail: Taxes Property tax - current 5,420,093 5,505,158 5,483,145 5,882,000 5,840,880 (41,120) Property tax - delinquent 249,876 75,279 24,140 -46,786 46,786 Mobile home tax 12,790 13,362 17,575 14,500 15,077 577 Penalties and interest - taxes 28,732 11,302 3,098 5,000 3,512 (1,488) Franchise taxes Franchise tax - electric 195,000 216,500 216,500 216,500 216,500 - Franchise tax - other 500 500 -500 -(500) Special assessments Assessment for services/projects 10,349 22,351 22,808 300 1,330 1,030 Licenses & Permits Liquor license 50,290 50,320 44,612 50,280 45,640 (4,640) Beer license 913 912 964 900 1,013 113 Other business licenses & permits 4,673 3,476 3,707 3,500 2,545 (955) Building permits 207,574 260,981 315,466 260,000 395,024 135,024 Fire sprinkler permits ----215 215 Variance/conditional use permits 2,800 2,550 2,600 1,100 2,100 1,000 Driveway permits 75 50 25 150 75 (75) Grading permits ---200 -(200) Mobile home permits 380 475 95 200 325 125 Excavation permits 1,250 3,050 3,850 -6,125 6,125 Right-of-way permits 3,551 3,092 3,158 -2,677 2,677 Sign/banner permits 3,320 5,790 4,025 4,500 4,135 (365) Animal licenses 372 440 308 350 1,175 825 (continued) 71 CITY OF MONTICELLO Schedule of Revenues (Sources) and Expenditures (Uses) General Fund For the Year Ended December 31, 2015 (Continued) 2015 Variance with 2012 2013 2014 Final 2015 Final Actual Actual Actual Budget Actual Budget Intergovernmental Revenue Pera increase aid 6,741$6,741$6,741$6,740$6,741$1$ State highway aid - operating 109,379 107,173 111,280 101,737 125,258 23,521 Fire department aid - operating 74,221 109,594 108,186 80,000 120,027 40,027 Police department aid - operating 59,062 65,767 63,205 60,700 66,814 6,114 County operating grant - street/highway 41,370 38,579 -19,000 19,642 642 County operating grant - civil defense 11,122 11,678 13,157 12,000 2,221 (9,779) County operating grant - recycling -33,100 18,122 19,000 13,976 (5,024) Charges for Services Zoning/subdivision fees 2,500 850 1,200 500 1,050 550 Sale of maps and publications 38 15 -25 -(25) Assessment searches 2,850 7,125 8,174 1,850 11,100 9,250 Blight notice fee 350 2,200 (1,650)-350 350 Final plat fee 100 50 250 -150 150 Planning administration fee 30,007 450 550 600 900 300 NSF fee --90 -30 30 Inspection/construction fees 451 861 983 -826 826 Inspection fees - buildings ------ Contractor licensing fee 550 1,300 1,825 100 1,075 975 Fire protections fees - townships 133,773 124,227 124,227 124,226 126,439 2,213 Fire emergency response fee 7,000 4,250 4,883 3,500 11,250 7,750 Fire - other fees 6,024 3,091 2,050 600 2,165 1,565 Blight mowing fees 682 1,865 (559)1,000 625 (375) Rental housing fees 36,415 43,355 55,030 45,000 45,210 210 Animal control fees 28,755 29,539 34,462 30,000 36,869 6,869 Miscellaneous pubic works 186 -8,981 --- Tree and brush removal charge --2,200 1,000 6,755 5,755 Recycling bin fee 485 --300 260 (40) Garbage fee - taxable 44,069 44,199 44,992 43,800 90,310 46,510 Garbage miscellaneous fee 660 786 17,488 --- Garbage surcharge - not taxable 7,863 7,887 2,340 7,760 240 (7,520) Field/Tourney fees 3,250 3,906 4,019 2,500 4,544 2,044 Park rental fees 4,524 4,982 5,099 5,000 6,305 1,305 Memorial program revenue ----1,404 1,404 Developer cost reimbursement 138 200 2,843 -1,744 1,744 General charges for services 2,137 ----- Fines & Forfeitures Court fines 48,768 39,399 -42,000 41,761 (239) Animal impound fines 145 225 400 100 713 613 Liquor license violation 1,500 1,500 1,500 --- Administration offense fines 12,693 ----- (continued) 72 CITY OF MONTICELLO Schedule of Revenues (Sources) and Expenditures (Uses) General Fund For the Year Ended December 31, 2015 (Continued) 2015 Variance with 2012 2013 2014 Final 2015 Final Actual Actual Actual Budget Actual Budget Investment Earnings Investment earnings 73,623$(62,833)$145,211$100,000$64,037$(35,963)$ Interest - loans 11,980 10,699 5,543 1,500 -(1,500) Miscellaneous Revenue City property rental 1,600 1,600 1,600 1,600 1,600 - Billboard land rental 32,023 19,888 20,146 12,400 2,150 (10,250) Lease - Prairie Center 37,933 38,476 37,511 36,600 22,500 (14,100) Lease - communication tower --8,000 24,000 22,180 (1,820) Contributions 6,277 23,250 4,000 2,500 5,958 3,458 Sale of city property 3,021 374 1,994 500 1,831 1,331 Sale of lock boxes 684 1,015 855 700 1,368 668 Tree Sales --5,600 -6,026 6,026 Copies 381 -21 70 49 (21) Refunds & reimbursables 76,892 44,100 55,030 -75,416 75,416 Assessment fee reimbursement 29,850 24,525 24,675 -23,026 23,026 Fire contributions --11,400 -13,268 13,268 Insurance claims/dividends 195,830 9,433 --29,926 29,926 Other miscellaneous 21,676 7,336 9,272 17,112 36,423 19,311 Other Financing Sources Sales of capital assets ----30,473 30,473 Transfers from other funds 1,729 ----- Total revenues and other sources 7,363,845$6,988,345$7,119,002$7,246,000$7,668,119$422,119$ Expenditures and other uses - summary General government 1,412,578$1,389,599$1,438,346$1,486,453$1,457,376$(29,077)$ Public safety 1,784,357 1,844,833 1,845,073 1,897,908 1,972,986 75,078 Public works 1,702,395 1,700,161 1,792,870 2,024,012 1,709,063 (314,949) Sanitation 500,037 505,996 517,956 588,291 563,477 (24,814) Transit --10,000 40,000 40,000 - Recreation and culture 814,260 853,777 792,678 1,037,937 964,385 (73,552) General unallocated 279,302 165,923 12,584 7,329 8,082 753 Transfers out and other uses 2,393,502 92,000 293,000 164,070 297,012 132,942 Total expenditures and other uses 8,886,431$6,552,289$6,702,507$7,246,000$7,012,381$(233,619)$ Expenditures and other uses - divisions General government Mayor and council 51,988$53,696$52,181$53,925$52,572$(1,353)$ City administration 228,738 260,322 273,993 305,153 312,491 7,338 Elections 38,933 2,425 41,835 3,093 2,979 (114) Finance 337,348 326,510 385,662 405,558 377,867 (27,691) Audit 39,227 47,823 53,541 43,000 37,798 (5,202) City assessing 49,600 49,664 49,832 52,115 50,466 (1,649) Legal 40,275 46,905 29,303 37,000 36,946 (54) (continued) 73 CITY OF MONTICELLO Schedule of Revenues (Sources) and Expenditures (Uses) General Fund For the Year Ended December 31, 2015 (Continued) 2015 Variance with 2012 2013 2014 Final 2015 Final Actual Actual Actual Budget Actual Budget General government (continued) Human resources 84,041$93,067$90,565$116,631$117,249$618$ Planning and zoning 163,629 182,753 220,080 203,320 244,976 41,656 Information technology services 130,102 95,572 33,759 46,829 19,872 (26,957) City hall 233,602 215,507 193,186 200,749 190,833 (9,916) Prairie center building 15,095 15,355 14,409 19,080 13,327 (5,753) Public safety Law Enforcement 1,187,382 1,190,441 1,098,403 1,175,815 1,174,439 (1,376) Fire and rescue 207,778 222,141 306,780 266,011 309,970 43,959 Fire relief 74,221 109,594 108,186 80,000 120,027 40,027 Building inspections 248,376 251,007 266,544 304,452 304,858 406 Civil defense 2,719 9,707 1,660 3,856 1,500 (2,356) Animal control 49,594 47,426 49,439 50,724 48,754 (1,970) National Guard 14,287 14,517 14,061 17,050 13,438 (3,612) Public works Public works administration 176,457 113,882 122,151 123,580 124,504 924 Engineering 200,287 224,028 195,841 169,508 110,555 (58,953) Public works inspecitons 64,827 54,878 36,867 96,952 32,084 (64,868) Streets and alleys 655,170 689,046 735,629 876,407 737,836 (138,571) Ice and snow 133,193 210,552 308,387 250,684 263,020 12,336 Shop and garage 219,646 186,741 177,644 194,810 185,837 (8,973) Stormwater 51,468 12,064 16,842 73,168 26,712 (46,456) Parking lots 4,568 2,965 3,814 9,403 2,030 (7,373) Street lighting 196,779 206,005 195,695 229,500 226,485 (3,015) Sanitation Refuse and recycling collection 500,037 505,996 517,956 588,291 563,477 (24,814) Transit Bus service --10,000 40,000 40,000 - Recreation and culture Community celebrations 5,165 1,186 688 3,300 2,199 (1,101) Senior center 88,441 90,219 97,547 99,922 97,115 (2,807) Ice arena 75,000 75,000 ---- Park operations 533,537 572,985 570,639 803,325 706,934 (96,391) Park ballfields 29,419 25,517 18,149 32,800 16,971 (15,829) Shade tree 52,983 53,475 68,891 58,628 104,990 46,362 Library 29,715 35,395 36,764 39,962 36,176 (3,786) General unallocated Insurances and other 279,302 165,923 12,584 7,329 8,082 753 Transfers out and other uses Transfers out 2,393,502 92,000 293,000 164,070 297,012 132,942 Total expenditures & other uses 8,886,431$6,552,289$6,702,507$7,246,000$7,012,381$(233,619)$ Revenue over/(under) expenditures (1,522,586)$436,056$416,495$-$655,738$655,738 74 (This page left blank intentionally) 75 CITY OF MONTICELLO Schedule of Assets, Liabilities, and Fund Balances Economic Development Authority December 31, 2015 EDA TIF TIF TIF TIF TIF TIF TIF General GMEF Future 6 (d)19 20 22 24 29 ASSETS Cash and investments 1,028,625$1,133,354$-$693,728$150,351$127,785$489,704$54,664$94,892$ Receivables Unremitted taxes ------710 -- Due from other governmental units 11,875 -------- Intrafund receivable 1,016,279 -------- Prepaid items 869 -------- Land held for resale 2,473,957 -----209,000 -- TOTAL ASSETS 4,531,605$1,133,354$-$693,728$150,351$127,785$699,414$54,664$94,892$ LIABILITIES Accounts and contracts payable 8,784$-$-$-$-$-$-$-$-$ Intrafund payable --44,497 ---386,574 -- Unearned revenue ------209,000 -- Total liabilities 8,784 -44,497 ---595,574 -- FUND BALANCES Nonspendable 2,474,826 -------- Restricted -1,133,354 -693,728 150,351 127,785 103,840 54,664 94,892 Assigned 2,047,995 -(44,497)------ Total fund balance 4,522,821 1,133,354 (44,497)693,728 150,351 127,785 103,840 54,664 94,892 TOTAL LIABILITIES, AND FUND BALANCES 4,531,605$1,133,354$-$693,728$150,351$127,785$699,414$54,664$94,892$ (d) = decertified (Continued) 76 CITY OF MONTICELLO Schedule of Assets, Liabilities, and Fund Balances Economic Development Authority December 31, 2015 (Continued) TIF TIF TIF TIF TIF TIF GAAP Total 30 34 35 36 (d)38 39 Reconciliation EDA ASSETS Cash and investments 97,956$12$4,111$-$-$56$-$3,875,238$ Receivables Unremitted taxes -------710 Due from other governmental units -------11,875 Intrafund receivable ------(1,016,279)- Prepaid items -------869 Land held for resale -------2,682,957 TOTAL ASSETS 97,956$12$4,111$-$-$56$(1,016,279)$6,571,649$ LIABILITIES Accounts and contracts payable -$-$-$-$-$-$-$8,784$ Intrafund payable 139,705 19,715 --121,822 303,966 (1,016,279)- Unearned revenue ------(209,000)- Total liabilities 139,705 19,715 --121,822 303,966 (1,225,279)8,784 FUND BALANCES Nonspendable -------2,474,826 Restricted (41,749)(19,703)4,111 -(121,822)(303,910)209,000 2,084,541 Assigned -------2,003,498 Total fund balance (41,749)(19,703)4,111 -(121,822)(303,910)209,000 6,562,865 TOTAL LIABILITIES, AND FUND BALANCES 97,956$12$4,111$-$-$56$(1,016,279)$6,571,649$ (d) = decertified 77 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Other Financing Sources (Uses) Economic Development Authority For the Year Ended December 31, 2015 EDA TIF TIF TIF TIF TIF TIF TIF General GMEF Future 6 (d)19 20 22 24 29 Revenues Tax increments -$-$-$-$21,222$17,173$289,299$39,494$20,480$ Intergovernmental 11,875 -------- Charges for services 1,250 -------- Investment earnings 18,489 14,625 -9,684 1,543 1,533 2,873 664 1,227 Interest on intrafund loans 28,921 -------- Other revenues 622 -------- Total revenues 61,157 14,625 -9,684 22,765 18,706 292,172 40,158 21,707 Expenditures: Current Salary and wages 7,536 -------- Benefits 3,009 -------- Supplies 66 -------- Professional services - legal 9,130 -------463 Professional services - market matching 45,818 -------- Professional services - enviromental --44,497 ------ Professional services - other 7,701 -------- LPV Insurance 1,937 -------- Legal and general publications 5,360 ---26 26 26 26 26 Property taxes 1,356 -------- Marketing 5,650 -------- Dues and membership 4,696 -------- Utilities ------327 -- IT services 1,416 -------- Land acquisition costs ------36,764 -- Land adjustment to market 732,900 -----12,900 -- Other expenses 50,507 -------- Excess increments ------195,267 -- Interest on intrafund loans --------- PAYG payments to third parties -----6,182 50,685 35,545 16,861 Total expenditures 877,082 -44,497 -26 6,208 295,969 35,571 17,350 Excess (deficiency) of revenues over expenditures (815,925)14,625 (44,497)9,684 22,739 12,498 (3,797)4,587 4,357 Other financing sources (uses) Transfers in 94,900 -------- Net change in fund balances (721,025)14,625 (44,497)9,684 22,739 12,498 (3,797)4,587 4,357 Fund balance at beginning of year 5,243,846 1,118,729 -684,044 127,612 115,287 107,637 50,077 90,535 Fund balance at end of year 4,522,821$1,133,354$(44,497)$693,728$150,351$127,785$103,840$54,664$94,892$ (Continued) 78 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Other Financing Sources (Uses) Economic Development Authority For the Year Ended December 31, 2015 (Continued) TIF TIF TIF TIF TIF TIF GAAP Total 30 34 35 36 (d)38 39 Reconciliation EDA Revenues Tax increments 8,801$214,364$-$58,241$11,757$46,786$-$727,617$ Intergovernmental -------11,875 Charges for services -------1,250 Investment earnings 1,318 12 65 --1 -52,034 Interest on intrafund loans ------(28,921)- Other revenues ---40,292 --(40,292)622 Total revenues 10,119 214,376 65 98,533 11,757 46,787 (69,213)793,398 Expenditures: Current Salary and wages -------7,536 Benefits -------3,009 Supplies -------66 Professional services - legal --592 ----10,185 Professional services - market matching -------45,818 Professional services - enviromental -------44,497 Professional services - other -------7,701 LPV Insurance -------1,937 Legal and general publications 26 26 26 -26 --5,594 Property taxes -------1,356 Marketing -------5,650 Dues and membership -------4,696 Utilities -------327 IT services -------1,416 Land acquisition costs -------36,764 Land adjustment to market -------745,800 Other expenses ------(40,292)10,215 Excess increments -------195,267 Interest on intrafund loans 3,601 --6,694 5,136 13,490 (28,921)- PAYG payments to third parties -------109,273 Total expenditures 3,627 26 618 6,694 5,162 13,490 (69,213)1,237,107 Excess (deficiency) of revenues over expenditures 6,492 214,350 (553)91,839 6,595 33,297 -(443,709) Other financing sources (uses) Transfers in -------94,900 Net change in fund balances 6,492 214,350 (553)91,839 6,595 33,297 -(348,809) Fund balance at beginning of year (48,241)(234,053)4,664 (91,839)(128,417)(337,207)209,000 6,911,674 Fund balance at end of year (41,749)$(19,703)$4,111$-$(121,822)$(303,910)$209,000$6,562,865$ 79 CITY OF MONTICELLO Schedule of Assets, Liabilities, Deferred Inflows of Resources, and Fund Balances Debt Service Activities December 31, 2015 Revenue Bonds 313 315 317 312 318 319 314 2007A 2008B 2010A 2011A 2014A 2015B 2008 Improvement Sewer Improvement Refunding Bonds Bonds Public Project Total ASSETS Cash and cash equivalents 470,432$1,429,228$646,404$2,620,654$7,575$665$-$5,174,958$ Receivables Unremitted special assessments 408 -73 ----481 Deliquent special assessments 2,409 -8,082 149,230 ---159,721 Deferred special assessments 395,867 -216,508 2,386,963 -370,349 -3,369,687 Accounts ---207,900 ---207,900 Notes ---200,000 ---200,000 Total assets 869,116$1,429,228$871,067$5,564,747$7,575$371,014$-$9,112,747$ LIABILITIES Accounts and contracts payable 225$225$225$225$225$-$-$1,125$ DEFERRED INFLOWS OF RESOURCES Unavailable revenue - special assessments 398,276 -224,590 2,536,193 -370,349 -3,529,408 Unavailable revenue - notes receivable ---200,000 ---200,000 Total deferred inflows of resources 398,276 -224,590 2,736,193 -370,349 -3,729,408 FUND BALANCES Restricted for debt service 470,615 1,429,003 646,252 2,828,329 7,350 665 -5,382,214 Total liabilities, deferred inflows of resources, and fund balances 869,116$1,429,228$871,067$5,564,747$7,575$371,014$-$9,112,747$ General Obligation Bonds 80 CITY OF MONTICELLO Schedule of Revenues, Expenditures and Other Financing Sources (Uses) Debt Service Activities For the Year Ended December 31, 2015 Revenue Bonds 313 315 317 312 318 319 314 2007A 2008B 2010A 2011A 2014A 2015B 2008 Improvement Sewer Improvement Refunding Bonds Bonds Public Project Total Revenues Property taxes 420,000$500,000$40,000$330,000$-$-$-$1,290,000$ Special assessments 120,816 -70,257 2,042,330 ---2,233,403 Investment earnings 1,883 7,708 5,775 20,213 2,077 665 -38,321 Other revenue ---200,000 ---200,000 Total revenues 542,699 507,708 116,032 2,592,543 2,077 665 -3,761,724 Expenditures Debt service Principal 544,000 924,000 265,000 2,310,000 --985,000 5,028,000 Interest and fiscal charges 77,065 124,767 38,074 151,375 163,712 -15,760 570,753 Total expenditures 621,065 1,048,767 303,074 2,461,375 163,712 -1,000,760 5,598,753 Excess (deficiency) of revenues over expenditures (78,366)(541,059)(187,042)131,168 (161,635)665 (1,000,760)(1,837,029) Other financing sources (uses) Transfers in -1,089,754 246,783 964,508 --1,005,000 3,306,045 Transfers out ------(5,872)(5,872) Total other financing sources (uses)-1,089,754 246,783 964,508 --999,128 3,300,173 Net change in fund balance (78,366)548,695 59,741 1,095,676 (161,635)665 (1,632)1,463,144 Fund balance at begining of year 548,981 880,308 586,511 1,732,653 168,985 -1,632 3,919,070 Fund balance at end of year 470,615$1,429,003$646,252$2,828,329$7,350$665$-$5,382,214$ General Obligation Bonds 81 (This page left blank intentionally) 82 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 83 Changes in Net Position - Last Ten Fiscal years 84 Fund Balances of Governmental Funds - Last Ten Fiscal Years 86 Changes in Fund Balances of Governmental Funds - Last Ten Fiscal Years 87 Governmental Funds Tax Revenues by Source - Last Ten Fiscal Years (modified accrual basis)88 General Governmental Tax Revenues by Source - Last Ten Fiscal Years (accrual basis)89 Revenue capacity Tax Capacity Value and Estimated Market Value of Taxable Property - Last Ten Fiscal Years 90 Property Tax Rates - All Direct and Overlapping Governments - Last Ten Fiscal Years 91 Property Tax Levies and Collections - Last Ten Fiscal Years 92 Principal Property Taxpayers - Current Year and Nine Years Ago 93 Water Sold by Customer Type - Last Ten Fiscal Years 94 Water and Sewage Utility Rates - Last Ten Fiscal Years 95 Debt capacity Ratios of Outstanding Debt by Type - Last Ten Fiscal Years 96 Ratios of Net General Obligation Bonded Debt Outstanding - Last Ten Fiscal Years 97 Legal Debt Margin Information - Last Ten Fiscal Years 98 Computation of Direct and Overlapping Debt 99 Schedule of General Obligation Revenue Bond Coverage - Last Two Fiscal Years 100 Economic and demographic information Demographic & Economic Statistics - Last Ten Fiscal Years 101 Principal Employers - Current Year and Eight Years Ago 102 Operating information City Government Employees by Function/Program - Last Ten Fiscal Years 103 Operating Indicators by Function - Last Ten Fiscal Years 104 Capital Assets Statistics by Function - Last Ten Fiscal Years 106 CITY OF MONTICELLO Net Position by Component Last Ten Fiscal Years (accrual basis of accounting) 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Governmental activities Net investment in capital assets 7,009,622$12,476,536$27,584,763$33,712,370$31,901,676$38,242,040$40,525,009$44,268,757$48,253,810$38,099,568$ Restricted -31,517,792 22,074,427 17,688,193 18,337,866 16,894,936 13,061,044 18,118,070 10,453,449 12,633,770 Unrestricted 56,949,749 24,543,501 28,445,230 28,183,161 26,876,421 24,758,269 25,119,107 13,487,299 14,792,521 18,144,067 Total governmental net position 63,959,371$68,537,829$78,104,420$79,583,724$77,115,963$79,895,245$78,705,160$75,874,126$73,499,780$68,877,405$ Business-type activities Net investment in capital assets 35,749,380$33,971,151$31,375,890$29,910,696$28,556,355$25,031,043$23,698,091$20,496,832$42,117,264$40,722,087$ Restricted --19,350 19,350 19,350 19,350 19,350 --- Unrestricted 5,437,867 6,441,470 4,529,830 2,846,018 6,363,148 6,901,353 7,642,046 6,463,638 9,121,952 8,163,982 Total business-type net position 41,187,247$40,412,621$35,925,070$32,776,064$34,938,853$31,951,746$31,359,487$26,960,470$51,239,216$48,886,069$ Primary government Net investment in capital assets 42,759,002$46,447,687$58,960,653$63,623,066$60,458,031$63,273,083$64,223,100$64,765,589$90,371,074$78,821,655$ Restricted -31,517,792 22,093,777 17,707,543 18,357,216 16,914,286 13,080,394 18,118,070 10,453,449 12,633,770 Unrestricted 62,387,616 30,984,971 32,975,060 31,029,179 33,239,569 31,659,622 32,761,153 19,950,937 23,914,473 26,308,049 Total primary government net position 105,146,618$108,950,450$114,029,490$112,359,788$112,054,816$111,846,991$110,064,647$102,834,596$124,738,996$117,763,474$ Note 1: In fiscal years 2013 and 2012, the city had a change in accounting principle, a change in fund structure, and prior period adjustments. Prior years were not adjusted to reflect these changes. Note 2: The city implemented GASB Statement No. 68 and GASB Statement No. 71 in fiscal year 2015. Years prior to 2015 have not been restated. $- $20 $40 $60 $80 $100 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015MillionsPrimary Government Net Position Net investment in capital assets Restricted net position Unrestricted net position 83 CITY OF MONTICELLO Changes in Net Position Last Ten Fiscal Years (accrual basis of accounting) Expenses 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Governmental activities General government 3,639,497$1,844,320$1,572,389$1,780,972$2,065,463$2,111,710$2,103,737$1,623,727$1,488,243$1,447,725$ Public safety 2,856,573 1,693,116 1,792,351 2,849,272 1,766,712 1,788,595 1,819,378 1,884,981 1,880,193 1,960,009 Public works 5,318,865 4,559,460 4,634,167 3,827,501 3,579,291 4,838,544 5,045,729 5,163,461 5,223,345 5,312,612 Sanitation 474,045 509,208 514,208 547,160 534,903 495,693 500,037 487,268 517,956 563,477 Transit 10,000 40,000 Recreation and culture 2,766,014 2,703,227 2,729,950 2,855,682 2,636,088 1,753,197 2,719,730 2,875,260 2,882,127 3,524,979 Economic development 2,061,331 769,584 510,126 842,819 2,647,687 1,199,936 803,594 1,005,813 1,084,620 1,547,875 Interest and fiscal charges 2,378,871 2,193,840 2,136,872 1,673,431 1,464,012 1,248,716 1,298,869 235,265 649,854 735,753 Total governmental activities expenses 19,495,196 14,272,755 13,890,063 14,376,837 14,694,156 13,436,391 14,291,074 13,275,775 13,736,338 15,132,430 Business-type activities Water utility 913,638 973,375 975,846 1,018,098 936,718 1,167,572 1,118,789 1,009,600 1,084,882 1,102,610 Sewage utility 2,095,124 2,000,610 2,085,485 2,074,447 2,495,976 2,340,555 2,480,657 2,466,660 2,762,357 2,661,990 Liquor 3,285,082 644,857 620,743 669,940 637,574 658,999 662,002 689,559 692,976 798,631 Fiber optics -84,594 1,590,237 2,792,813 3,815,377 5,702,480 5,228,428 5,240,871 2,919,170 2,536,461 Deputy registrar -------293,531 300,236 313,968 Total business-type activities expenses 6,293,844 3,703,436 5,272,311 6,555,298 7,885,645 9,869,606 9,489,876 9,700,221 7,759,621 7,413,660 Total primary government expenses 25,789,040$17,976,191$19,162,374$20,932,135$22,579,801$23,305,997$23,780,950$22,975,996$21,495,959$22,546,090$ Program Revenues Governmental activities Charges for services General government 974,186$695,117$523,228$443,976$491,304$521,182$619,992$147,244$180,145$214,087$ Public safety 1,030,842 93,138 99,812 155,036 96,293 202,237 179,540 163,366 164,616 320,158 Public works 1,186,670 1,994,067 1,544,140 744,241 1,556,098 508,077 383,066 544,404 371,671 626,483 Sanitation 129,057 --167,119 165,387 52,304 53,077 16,653 48,385 - Transit ---------- Recreation and culture 1,048,551 1,044,699 1,084,622 1,139,199 1,153,113 1,240,970 1,150,273 1,307,149 1,331,581 1,488,197 Economic development 115,616 6,768 15,875 155,769 -----14,653 Operating grants and contributions 281,531 160,147 159,192 269,492 424,845 253,127 252,784 293,710 295,828 355,041 Capital grants and contributions 12,153,185 3,616,870 948,340 2,067,509 4,124,271 2,083,511 1,841,915 1,079,738 1,774,628 2,667,710 Total governmental activities program revenues 16,919,638 7,610,806 4,375,209 5,142,341 8,011,311 4,861,408 4,480,647 3,552,264 4,166,854 5,686,329 Business-type activities Charges for services Water utility 742,146 867,873 973,776 1,019,390 828,635 1,078,133 1,304,923 1,214,570 1,117,226 1,126,718 Sewage utility 1,043,208 1,196,983 1,307,064 1,371,776 1,470,537 1,712,058 1,850,919 1,981,491 2,081,660 2,083,122 Liquor 3,619,236 1,002,933 1,059,479 1,043,256 1,174,767 1,151,171 1,214,745 1,318,276 1,289,369 1,524,338 Fiber optics ----456,820 1,610,258 1,747,587 1,606,720 1,761,978 1,642,403 Deputy registrar -------456,285 497,798 535,931 Operating grants and contributions ---------- Capital grants and contributions 2,188,675 482,412 106,787 -----488,628 1,454,980 Total business-type activities program revenues 7,593,265 3,550,201 3,447,106 3,434,422 3,930,759 5,551,620 6,118,174 6,577,342 7,236,659 8,367,492 Total primary government program revenues 24,512,903$11,161,007$7,822,315$8,576,763$11,942,070$10,413,028$10,598,821$10,129,606$11,403,513$14,053,821$ (continued) 84 CITY OF MONTICELLO Changes in Net Position Last Ten Fiscal Years (accrual basis of accounting) 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Net (expense)/revenue Governmental activities (2,575,558)$(6,661,949)$(9,514,854)$(9,234,496)$(6,682,845)$(8,574,983)$(9,810,427)$(9,723,511)$(9,569,484)$(9,446,101)$ Business-type activities 1,299,421 (153,235)(1,825,205)(3,120,876)(3,954,886)(4,317,986)(3,371,702)(3,122,879)(522,962)953,832 Total primary government net expense (1,276,137)$(6,815,184)$(11,340,059)$(12,355,372)$(10,637,731)$(12,892,969)$(13,182,129)$(12,846,390)$(10,092,446)$(8,492,269)$ General Revenues and Other Changes in Net Position Governmental activities Taxes Property taxes 6,461,748$6,418,124$7,278,152$7,628,547$7,105,319$7,406,358$7,722,214$7,961,229$8,393,374$8,683,585$ Tax increment 791,812 824,714 1,172,447 1,193,021 1,155,386 1,044,791 1,024,134 965,935 826,363 727,617 Franchise taxes ---48,517 371,258 341,362 339,518 320,640 357,409 333,484 Unrestricted grants and contributions 130,000 288,940 158,340 406,735 37,665 19,359 38,618 65,228 27,502 - Investment earnings 2,093,877 2,170,025 1,461,658 770,178 859,583 1,467,780 767,722 (189,128)784,347 278,465 Other ---41,173 --11,575 3,885 217,643 30,473 Gain on sale of capital assets 4,619,629 528,193 233,326 366,961 442,091 354,501 540,272 489,782 -- Transfers 250,000 997,929 371,245 251,133 (5,774,257)713,655 (2,420,489)278,500 (3,411,500)2,301,045 Total governmental activities 14,347,066 11,227,925 10,675,168 10,706,265 4,197,045 11,347,806 8,023,564 9,896,071 7,195,138 12,354,669 Business-type activities Investment earnings 334,623 326,356 547,703 188,178 236,131 495,484 264,589 (117,175)399,757 108,191 Miscellaneous 27,100 62,664 136,356 42,360 125,326 1,555,509 100,687 65,468 -88,157 Gain on extinguishment of debt --------20,990,451 - Contribution of land to County ---------(5,511,547) Transfers (250,000)(997,929)(371,245)(251,133)5,774,257 (713,655)2,420,489 (278,500)3,411,500 (2,301,045) Total business-type activities 111,723 (608,909)312,814 (20,595)6,135,714 1,337,338 2,785,765 (330,207)24,801,708 (7,616,244) Total primary government 14,458,789$10,619,016$10,987,982$10,685,670$10,332,759$12,685,144$10,809,329$9,565,864$31,996,846$4,738,425$ Changes in Net Position Governmental activities 11,771,508$4,565,976$1,160,314$1,471,769$(2,485,800)$2,772,823$(1,786,863)$172,560$(2,374,346)$2,908,568$ Business-type activities 1,411,144 (762,144)(1,512,391)(3,141,471)2,180,828 (2,980,648)(585,937)(3,453,086)24,278,746 (6,662,412) Total primary government 13,182,652$3,803,832$(352,077)$(1,669,702)$(304,972)$(207,825)$(2,372,800)$(3,280,526)$21,904,400$(3,753,844)$ Note 1: The city made a fund structure change in fiscal year 2013. Prior year data has not been updated to reflect this change. Note 2: The city implemented GASB Statement No. 54 in fiscal year 2011. Prior year data has not been restated as a result of this change. 85 CITY OF MONTICELLO Fund Balances of Governmental Funds Last Ten Fiscal Years (modified accrual basis of accounting) 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 General Fund Reserved 405,819$430,294$359,303$392,541$336,286$-$-$-$-$-$ Unreserved 5,014,094 5,131,193 5,819,249 4,705,092 4,644,748 ----- Nonspendable -----386,616 342,380 258,100 126,327 113,302 Restricted ---------- Committed -----3,374,200 ---- Assigned ---------- Unassigned -----649,821 3,136,127 3,656,463 4,204,731 4,873,494 Total general fund 5,419,913$5,561,487$6,178,552$5,097,633$4,981,034$4,410,637$3,478,507$3,914,563$4,331,058$4,986,796$ All other governmental funds Reserved 17,912,418$27,072,957$16,663,801$10,280,326$7,884,431$-$-$-$-$-$ Unreserved Special revenue funds 14,946,443 7,554,334 14,191,473 18,451,828 18,324,689 ----- Capital projects funds (1,805,372)(630,214)(1,839,478)(2,124,391)(1,532,220)----- Nonspendable -----1,299,057 197,123 1,822,926 1,815,087 4,259,743 Restricted -----22,140,662 21,480,938 10,928,985 10,453,449 8,619,905 Committed -----2,662,124 ---- Assigned -----9,138,626 8,655,488 6,485,727 7,321,744 11,109,806 Unassigned Special revenue funds -----(141,890)---- Capital projects funds -----(1,435,666)---- Total all other governmental funds 31,053,489$33,997,077$29,015,796$26,607,763$24,676,900$33,662,913$30,333,549$19,237,638$19,590,280$23,989,454$ 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. 86 CITY OF MONTICELLO Changes in Fund Balances of Governmental Funds Last Ten Fiscal Years (modified accrual basis of accounting) 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Revenues Property taxes 6,461,748$6,190,599$7,233,582$7,502,844$7,319,154$7,294,635$8,234,086$7,985,695$8,407,627$8,638,401$ Tax increments 791,812 824,714 1,172,447 1,193,021 1,155,386 1,044,791 1,024,134 965,935 826,363 727,617 Franchise taxes ---48,517 371,258 341,362 339,518 320,640 357,409 333,484 Special assessments 2,006,519 3,112,374 2,566,932 2,462,673 1,465,264 1,856,134 1,902,871 2,065,944 1,912,932 3,318,901 Licenses and permits 758,718 627,751 917,539 266,797 217,184 249,999 275,699 331,711 378,810 461,049 Intergovernmental 937,076 1,764,633 550,283 1,688,895 1,620,771 1,434,420 540,475 1,264,781 732,366 1,520,239 Charges for services 2,796,871 2,888,981 2,290,091 2,518,548 2,890,006 2,239,584 2,076,834 1,846,919 1,722,974 2,063,520 Fines and forfeitures 1,750 5,027 2,216 1,220 205 85 14,338 1,725 1,900 42,474 Investment earnings 2,093,877 2,170,025 1,461,658 770,178 859,583 1,467,780 767,722 (183,242)738,956 261,856 Other revenues 4,564,660 372,502 197,988 435,186 643,873 603,019 753,832 700,776 413,113 475,170 Total revenues 20,413,031 17,956,606 16,392,736 16,887,879 16,542,684 16,531,809 15,929,509 15,300,884 15,492,450 17,842,711 Expenditures General government 1,743,716 1,899,097 1,579,164 1,634,395 1,997,458 2,039,270 2,023,674 1,576,653 1,450,930 1,465,458 Public safety 2,760,090 1,603,331 1,736,962 2,738,768 1,684,296 1,728,409 1,735,579 1,805,434 1,845,073 1,972,986 Public works 3,594,844 1,951,712 2,380,993 2,074,811 1,562,155 1,675,222 1,703,849 1,707,576 1,793,162 1,734,562 Sanitation 474,045 509,208 514,208 547,160 534,903 495,693 500,037 505,996 517,956 563,477 Transit 10,000 40,000 Culture and recreation 2,271,216 2,214,108 2,220,368 2,355,669 2,164,534 2,419,369 2,272,595 2,472,987 2,386,832 2,622,991 Economic development 2,056,055 772,852 525,783 842,819 2,647,687 1,198,449 800,540 1,011,961 1,084,620 1,237,107 Capital outlay 13,074,965 6,430,421 3,522,196 1,946,153 4,138,459 4,067,251 2,829,049 1,357,254 2,220,883 2,238,365 Debt service Principal 3,407,655 3,388,382 5,037,028 6,749,293 5,001,000 4,860,000 5,174,500 5,290,750 5,411,000 5,028,000 Interest and fiscal charges 2,373,438 2,256,311 2,192,063 1,801,392 1,553,661 1,383,095 1,290,430 930,982 658,983 570,753 Bond issuance costs ---------71,358 Total expenditures 31,756,024 21,025,422 19,708,765 20,690,460 21,284,153 19,866,758 18,330,253 16,659,593 17,379,439 17,545,057 Excess of revenues over (under) expenditures (11,342,993)(3,068,816)(3,316,029)(3,802,581)(4,741,469)(3,334,949)(2,400,744)(1,358,709)(1,886,989)297,654 Other financing sources (uses) Transfers in 8,181,372 5,202,051 16,818,090 10,172,878 4,687,126 5,710,819 9,990,120 6,906,770 4,914,385 4,261,817 Transfers out (7,931,372)(4,204,122)(16,446,845)(9,921,745)(4,431,158)(4,997,164)(10,732,901)(7,158,933)(8,325,885)(2,186,930) Debt issued -5,137,903 15,450,000 -3,255,000 10,735,000 --6,080,000 2,605,000 Premium (discount) on debt issued -83,710 --(19,530)301,910 --(12,374)46,898 Refunded bonds redeemed --(15,908,564)-(865,000)--(10,690,000)-- Refunding deferred amortized (loss)--(384,432)------- Sale of land held for resale -(103,084)74,650 ------- Sale of capital assets -37,520 2,575 62,496 67,569 -11,575 12,428 -30,473 Total other financing sources (uses)250,000 6,153,978 (394,526)313,629 2,694,007 11,750,565 (731,206)(10,929,735)2,656,126 4,757,258 Net change in fund balances (11,092,993)$3,085,162$(3,710,555)$(3,488,952)$(2,047,462)$8,415,616$(3,131,950)$(12,288,444)$769,137$5,054,912$ Debt service as percentage of noncapital expenditures 30.9%38.7%44.7%45.6%38.2%39.5%41.7%40.7%40.0%36.6% 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. 87 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 2006 6,461,748$791,812$-$7,253,560$ 2007 6,190,599 824,714 -7,015,313 2008 7,233,582 1,172,447 -8,406,029 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 Change 2006-2015 33.7%-8.1%100.0%33.7% Source: Finance Department $- $2 $4 $6 $8 $10 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015MillionsTax Revenues by Source Property Tax Tax Increment Franchise Tax 88 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 2006 6,461,748$791,812$-$7,253,560$ 2007 6,418,124 824,714 -7,242,838 2008 7,278,152 1,172,447 -8,450,599 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 Change 2006-2015 34.4%-8.1%100.0%34.3% Source: Finance Department $- $2 $4 $6 $8 $10 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015MillionsTax Revenues by Source Property Tax Tax Increment Franchise Tax 89 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 2006 5,824,238$41.8%7,871,132$56.5%170,446$1.2%69,626$0.5%13,935,442$100.0%58.651 993,647,300$1.4% 2007 6,929,517 42.8%8,913,821 55.0%177,822 1.1%183,695 1.1%16,204,855 100.0%42.458 1,243,461,100 1.3% 2008 7,443,331 43.0%9,455,666 54.6%176,289 1.0%236,789 1.4%17,312,075 100.0%46.942 1,282,400,700 1.3% 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%42.262 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%44.709 1,712,125,200 1.6% 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 and tax increment values are not included in total net tax capacity value. Source: Wright County Certificate of Taxes and Taxable Properties. Real Property $- $5 $10 $15 $20 $25 $30 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015MillionsTotal Taxable Net Tax Capacity Value (Excludes Personal and Ag/Misc Property) Residential Commercial 90 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 2006 51.03 32.57 24.37 2.33 110.30 2007 42.46 30.71 23.15 2.95 99.27 2008 46.94 31.65 25.25 2.52 106.36 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 42.26 44.29 26.23 0.61 113.39 2014 44.71 43.45 28.27 -116.43 2015 35.74 40.59 22.88 -99.21 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 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015Rate%Property Tax Rates For the threehighest taxing authorities Wright District #882 City 91 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 2006 6,750,132$283,978$6,466,154$6,349,118$98.2%107,522$6,456,640$99.9%(8,603)$911$0.0% 2007 6,499,914 261,362 6,238,552 6,044,463 96.9%170,697 6,215,160 99.6%(22,051)1,341 0.0% 2008 7,600,189 267,056 7,333,133 7,118,136 97.1%173,289 7,291,425 99.4%(39,224)2,484 0.0% 2009 7,750,119 263,587 7,486,532 7,237,730 96.7%211,623 7,449,353 99.5%(32,099)5,080 0.1% 2010 7,648,269 278,930 7,369,339 7,155,141 97.1%181,589 7,336,730 99.6%(25,704)6,905 0.1% 2011 7,677,351 293,075 7,384,276 7,178,807 97.2%178,326 7,357,133 99.6%(19,074)8,069 0.1% 2012 7,850,042 -7,850,042 7,759,174 98.8%26,849 7,786,023 99.2%(53,367)10,652 0.1% 2013 7,900,724 -7,900,724 7,827,356 99.1%33,139 7,860,495 99.5%(27,410)12,819 0.2% 2014 8,151,086 -8,151,086 8,109,373 99.5%31,063 8,140,436 99.9%(1,576)9,074 0.1% 2015 8,535,565 -8,535,565 8,498,746 99.6%-8,498,746 99.6%(6,290)30,529 0.4% TAX INCREMENTS Total Tax Collections in Abatements Fiscal Levy for Tax Net % of Subsequent % of and % of Year Fiscal Year Credits Levy Amount Net Levy Years Amount Net Levy Adjustments Amount Net Levy 2006 779,400$-$779,400$777,297$99.7%443$777,740$99.8%(1,660)$-$0.0% 2007 889,262 -889,262 836,397 94.1%1,222 837,619 94.2%(51,643)-0.0% 2008 1,191,177 -1,191,177 1,184,402 99.4%4,874 1,189,276 99.8%(1,901)-0.0% 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% Source: Year of the Net Levy to Date Total Uncollected Wright County Collected within the Total Collections Year of the Net Levy to Date Total Uncollected Collected within the Total Collections 92 CITY OF MONTICELLO Principal Property Taxpayers Current Year and Nine Years Ago Percentage of Percentage of Taxable Net Tax Total Net Tax Market Taxable Net Tax Total Net Tax Taxpayer Market Value (1) Capacity Value Rank Capacity Value Value Capacity Value Rank Capacity Value Xcel Energy (Northern States)722,993,700$14,453,109$1 58.6%240,261,700$4,791,134 1 38.3% Walmart Real Estate Bus Trust 10,720,000 213,650 2 0.9% Target Corporation 10,120,400 201,658 3 0.8% New River Medical Center 7,544,100 150,882 4 0.6% Home Depot USA, Inc.6,835,400 135,958 5 0.6% Muller Family Theatres 5,511,400 109,097 6 0.4%5,381,200 106,781 4 0.9% AX TC Retail, LP 5,154,900 101,598 7 0.4% Ryan Companies 4,781,700 92,634 8 0.4% RCE Property LLC 4,000,000 79,250 9 0.3% Tapper’s Holdings, LLC 3,956,800 77,636 10 0.3%3,806,000 74,620 8 0.6% Ocello LLC 11,593,300 140,293 2 1.1% Jacob Holdings of Monticello, LLC 6,147,100 122,192 3 1.0% Peterson Holdings, LLC 5,085,200 100,954 5 0.8% Monticello Washington Assn 4,564,600 90,542 6 0.7% Gould Brothers Chev, LLP 4,410,100 86,702 7 0.7% BBF Properties, Inc.3,712,900 73,508 9 0.6% Tomann, Terrance & Mary Family LTD 3,503,800 69,326 10 0.6% 781,618,400$15,615,472$63.4%288,465,900$5,656,052$45.3% Note 1: The market value and taxable net tax capacity value is for taxes levied in 2014, which are payable in 2015. Source: Wright County Certificate of Taxes and Taxable Properties 2015 2006 93 CITY OF MONTICELLO Water Sold by Customer Type (gallons) Last Ten Fiscal Years Total % of % of % of % of Water % of Year Residential Total Commercial Total Industrial Total Government Total Sold Total 2006 419,892,135$69.5%82,989,503$13.7%52,305,000$8.7%48,622,223$8.1%603,808,861$100.0% 2007 467,672,488 71.3%91,517,828 14.0%49,035,750 7.5%47,703,225 7.3%655,929,291 100.0% 2008 409,879,658 69.0%84,234,653 14.2%47,790,000 8.0%52,154,498 8.8%594,058,809 100.0% 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% Source: City of Monticello utility billing department $0 $100 $200 $300 $400 $500 $600 $700 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015MillionsWater Sold by Customer Type (gallons) Government Industrial Commercial Residential 94 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 2006 8.92$0.54$0.54$N/A 8.92$0.54$N/A N/A 10.40$1.87$ 2007 10.26 0.62 0.71 N/A 10.26 0.62 N/A N/A 11.96 2.15 2008 11.91 0.74 0.84 N/A 11.91 0.74 N/A N/A 13.75 2.47 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 N/A – Not Available Source: City of Monticello utility billing department Water Sewage Residential Commercial 95 CITY OF MONTICELLO Ratios of Outstanding Debt by Type Last Ten Fiscal Years 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Governmental activities General obligation bonds Special assessment 30,255,000$28,415,000$24,075,000$21,535,000$21,320,000$29,490,000$26,625,000$13,010,000$12,203,653$11,689,653$ Other 2,210,000 7,132,903 15,737,903 12,822,903 11,531,903 10,196,903 8,877,403 7,506,653 10,487,000 9,563,000 Tax increment 810,000 680,000 575,000 470,000 ------ Net premium (discount)639,119 691,438 651,542 631,516 572,079 818,803 744,748 265,320 67,350 190,196 Total GO bonds 33,914,119 36,919,341 41,039,445 35,459,419 33,423,982 40,505,706 36,247,151 20,781,973 22,758,003 21,442,849 Notes 10,188,973 9,515,592 -------- Certificates of indebtedness -------445,000 385,000 325,000 Total general obligation debt 44,103,092 46,434,933 41,039,445 35,459,419 33,423,982 40,505,706 36,247,151 21,226,973 23,143,003 21,767,849 Non-general obligation bonds Revenue 6,579,419 6,157,974 5,742,098 5,209,011 4,612,454 3,690,898 2,739,341 1,782,784 985,000 - Contract for deed 764,293 664,293 564,293 ------- Total governmental activites 51,446,804$53,257,200$47,345,836$40,668,430$38,036,436$44,196,604$38,986,492$23,009,757$24,128,003$21,767,849$ Business-type activities General obligation revenue bonds -$907,097$907,097$837,097$747,097$654,097$568,597$3,479,347$3,206,347$2,930,347$ Non-general obligation Revenue bonds --26,445,000 26,445,000 26,445,000 26,445,000 26,445,000 26,445,000 -- PFA loans ---------615,268 Net premium (discount)-14,364 (502,517)(479,980)(457,441)(434,904)(412,366)(360,211)31,941 30,339 Total business-type activities -$921,461$26,849,580$26,802,117$26,734,656$26,664,193$26,601,231$29,564,136$3,238,288$3,575,954$ Total primary government 51,446,804$54,178,661$74,195,416$67,470,547$64,771,092$70,860,797$65,587,723$52,573,893$27,366,291$25,343,803$ % of personal income (1)14.3%14.3%18.9%17.6%15.8%16.8%13.7%10.5%5.2%4.6% Per capita debt (1)4,620$4,815$6,528$5,879$5,632$5,554$5,071$4,055$2,106$1,931$ (1) See the Schedule of Demographic and Economic Statistics. Note: Details regarding the city’s outstanding debt can be found in the notes to basic financial statements. 96 CITY OF MONTICELLO Ratios of Net General Obligation Bonded Debt Outstanding Last Ten Fiscal Years Percentage of Less Amounts Estimated General Available Actual Market Obligation in Debt Value of Year Bonds (1)Service Fund Total Property (2)Per Capita (3) 2006 33,914,119$9,170,798$24,743,321$2.49%2,222$ 2007 37,826,438 18,520,552 19,305,886 1.55%1,716 2008 41,946,542 9,936,332 32,010,210 2.50%2,816 2009 36,296,516 2,346,286 33,950,230 2.73%2,958 2010 34,171,079 2,363,382 31,807,697 2.68%2,766 2011 41,159,803 12,727,140 28,432,663 2.57%2,228 2012 36,815,748 12,952,896 23,862,852 1.96%1,845 2013 24,706,320 2,750,079 21,956,241 1.83%1,694 2014 26,349,350 3,919,070 22,430,280 1.48%1,726 2015 24,728,535 5,382,214 19,346,321 1.13%1,474 Note 1: Note 2: Note 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. Does not include revenue bonds. See the Schedule of Taxable Net Tax Capacity Value and Estimated Market Value of Taxable Property for the estimated actual market value. 97 CITY OF MONTICELLO Legal Debt Margin Information Last Ten Fiscal Years 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 19,872,946$23,203,682$37,303,833$38,074,842$35,646,663$33,196,242$36,591,591$35,671,296$45,407,112$51,363,756$ Total net debt applicable to debt limit 6,650,000 6,100,000 6,180,000 5,585,000 4,985,000 4,365,000 3,795,000 6,200,000 10,872,000 9,888,000 Legal debt margin 13,222,946$17,103,682$31,123,833$32,489,842$30,661,663$28,831,242$32,796,591$29,471,296$34,535,112$41,475,756$ Total net debt applicable to debt limit as a percentage of debt limit 33.5%26.3%16.6%14.7%14.0%13.1%10.4%17.4%23.9%19.3% Market value 1,712,125,200$ Debt limit (3% of market value)51,363,756$ Debt applicable to limit General obligation bonds 24,508,000 Less amounts for general obligation bonds not subject to debt limit (14,620,000) Total net debt applicable to limit 9,888,000 Legal debt margin 41,475,756$ Note: All Minnesota municipalities (counties, cities, towns, and school districts) are subject to statutory “net debt” limitations under the provisions of Minnesota Statutes, § 475.53. Under this provision, beginning with issues having a settlement date after June 30, 2008, the state of Minnesota increased the legal debt limit from 2 percent to 3 percent of the city’s taxable market value. 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 2015 Fiscal Year Legal debt limit 98 CITY OF MONTICELLO Computation of Direct and Overlapping Debt As of December 31, 2015 Estimated Net percentage Amount bonded debt applicable applicable to Jurisdiction outstanding (1)to city (2)city DIRECT DEBT: City of Monticello 21,767,849$100.0%21,767,849$ OVERLAPPING DEBT: I.S.D. 882 2,270,000 75.8%1,720,660 Wright County 46,210,000 18.7%8,641,270 Total Overlapping Debt 10,361,930 Total direct and overlapping debt 32,129,779$ (1) (2) Note: Source: The Wright County auditor provided the debt outstanding and estimated applicable percentages for the school district and county. Gross bonded debt outstanding. 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. 99 CITY OF MONTICELLO Schedule of General Obligation Revenue Bond Coverage Last Three Fiscal Years Sewage Fund: Net Revenue Gross Operating Available for Year 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% Notes: (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) 100 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) 2006 11,136 4.4%3,962 358,590,336$32,794$ 2007 11,253 4.8%3,910 379,102,317 34,067 2008 11,366 5.7%3,921 391,740,556 35,779 2009 11,476 7.9%3,928 384,446,000 37,011 2010 11,501 8.8%3,932 410,252,171 35,156 2011 12,759 7.5%4,011 422,820,501 35,739 2012 12,935 6.2%4,044 477,596,640 38,069 2013 12,964 4.6%4,016 502,964,308 39,312 2014 12,993 3.8%4,089 521,759,901 40,157 2015 13,125 3.7%4,100 547,010,625 41,677 Notes/sources: (1) (2) (3) (4) (5) 2010 U.S. Bureau of Census; 2006–2009 and 2011–2015 Minnesota State Demographic Center population estimates. Annual average unemployment provided by the Minnesota Department of Employment & Economic Development. ISD No. 882 enrollment information was obtained from the district audit report. The enrollment information is based on the resident ADMs (average daily membership) served. 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. 101 CITY OF MONTICELLO Principal Employers Current Year and Eight Years Ago Percentage of Percentage of Total City Total City Employer Employees Rank Employment Employees Rank Employment Xcel Energy (Northern States) (1)700 1 9.9%422 3 6.8% ISD No. 882 (Monticello)544 2 7.7%455 2 7.4% CentraCare Medical Center (New River)500 3 7.1%515 1 8.3% Cargill Kitchen Solutions (Sunny Fresh)450 4 6.4%396 4 6.4% Wal-Mart Supercenter 325 5 4.6%325 5 5.3% Cub Foods 180 6 2.6%122 9 2.0% Ultra Machine Corporation 173 7 2.5%130 8 2.1% Home Depot 160 8 2.3% City of Monticello 150 9 2.1%151 6 2.4% WSI Industries, Inc.100 10 1.4% Denny Hecker Monticello 150 7 2.4% Monticello Clinic 98 10 1.6% 3,282 46.5%2,764 44.8% Source: City of Monticello 2015 Bond Statement and 2007 Bond Statement *2006 information was not available. Therefore, the next year was used. 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. 2015 2007* 102 CITY OF MONTICELLO City Government Employees by Function/Program Last Ten Fiscal Years 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Employees by function General Fund General government 8.60 8.60 9.60 9.60 11.00 11.00 11.00 11.00 12.50 12.50 Public Safety Building Official 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 4.00 Public works Engineering 3.00 3.00 3.00 3.00 3.00 3.00 3.00 1.00 1.00 1.00 Maintenance(1)21.50 21.50 21.50 19.50 19.50 19.00 19.00 19.00 18.50 18.50 Culture and recreation Parks 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 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 8.00 8.00 8.00 7.50 7.50 Community center-PT(2)36.50 36.50 36.50 36.50 36.50 36.50 36.50 36.50 36.50 36.50 Enterprise Funds Sewer/water 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 5.00 Deputy registrar(3)5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 Liquor store 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 11.50 11.50 FiberNet ---6.00 11.00 11.50 11.50 8.50 8.50 8.50 Total 106.60 106.60 107.60 111.60 118.00 118.00 118.00 113.00 115.00 117.00 Employees by fund type General Fund 43.10 43.10 44.10 42.10 43.50 43.00 43.00 41.00 42.00 43.00 Special Revenue Funds 44.50 44.50 44.50 44.50 44.50 44.50 44.50 44.50 44.00 44.00 Enterprise Funds 19.00 19.00 19.00 25.00 30.00 30.50 30.50 27.50 29.00 30.00 106.60 106.60 107.60 111.60 118.00 118.00 118.00 113.00 115.00 117.00 Source: City of Monticello human resources department FT = Full-time PT = Part-time Notes: (1) Includes seasonal public works (2) Years 2006-2013 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. Fiscal Year 103 CITY OF MONTICELLO Operating Indicators by Function Last Ten Fiscal Years 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Function Fire Calls for service 266 317 395 375 282 284 203 235 264 251 Public works Salt (tons)164 274 474 475 521 445 300 475 385 534 Sand (tons)319 347 611 615 710 547 335 325 600 285 Crack sealant (pounds)11,115 14,200 18,150 15,000 23,580 11,384 1,492 25,739 23,282 29,580 Asphalt repairs (tons of asphalt)300 330 200 200 200 253 220 225 190 293 Culture and recreation Shade trees planted –384 410 425 150 140 220 275 270 257 Diseased trees removed n/a n/a 868 200 180 113 205 71 46 208 Trails maintained (miles)n/a n/a 17 17 17 17 17 17 18 18 Community center users 145,700 168,923 186,429 186,279 183,527 190,014 175,272 211,234 204,134 199,228 Program sales 67,021 88,412 129,339 149,829 167,723 168,159 162,227 192,708 184,125 213,924 Rental revenue 148,533 139,096 136,547 127,612 184,913 154,962 149,733 163,329 150,964 154,938 Economic development Permits issued 1,323 962 3,681 879 495 372 632 659 721 768 Permit valuation 45,572,690$45,917,000$45,950,000$11,630,000$9,033,078$5,333,124$12,285,873$15,821,223$19,714,895$36,242,742$ Water Meters replaced 109 94 111 280 145 215 418 235 598 694 Curb box repairs (water valves)50 50 75 200 200 200 100 100 100 100 Hydrant repair 175 175 175 175 175 430 300 300 203 430 Residential water gallons used 419,892,135 467,673,488 409,879,658 430,263,791 376,687,840 348,580,072 426,358,402 383,079,041 328,835,772 325,188,041 Avg. daily consumption (MG)1.817 1.921 1.749 1.806 1.625 1.557 1.798 1.621 1.400 1.308 Max. daily gallons pumped (MG)5.271 5.150 4.728 4.496 3.565 4.116 4.590 4.269 4.031 3.203 Sewer Sewage flow (MG)414 423 408 390 398 431 408 392 435 417 Miles jetted 20 20 20 20 25 27 12 20 16 28 Blocks rodded 3 3 3 3 25 10 20 10 20 10 Miles inspected 20 20 20 20 30 30 12 20 20 30 Library Items checked out 188,704 209,174 216,599 219,694 248,327 228,886 237,938 263,220 199,182 195,235 Programs offered 232 145 155 170 164 153 149 173 169 167 Program participants 4,196 3,537 3,869 4,100 3,604 3,807 3,761 3,773 3,788 3,919 Fiscal Year (continued) 104 CITY OF MONTICELLO Operating Indicators by Function Last Ten Fiscal Years (continued) 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Fiber optics Customers n/a n/a n/a n/a n/a n/a n/a n/a 1,539 1,574 Service subscriptions n/a n/a n/a n/a n/a n/a n/a n/a 2,755 2,656 TV customers n/a n/a n/a n/a n/a n/a n/a n/a 813 714 Phone customers n/a n/a n/a n/a n/a n/a n/a n/a 582 518 Internet customers n/a n/a n/a n/a n/a n/a n/a n/a 1,360 1,424 Liquor store Transactions n/a n/a n/a n/a n/a n/a n/a n/a 229,236 237,535 Average liquor sale transaction n/a n/a n/a n/a n/a n/a n/a n/a 21.90$22.42$ Beer sales n/a n/a 2,066,537$2,187,948$2,289,801$2,328,735$2,483,194$2,539,168$2,604,942$2,763,478$ Liquor sales n/a n/a 1,129,351$1,214,817$1,251,448$1,343,109$1,396,521$1,506,776$1,546,118$1,634,198$ Wine sales n/a n/a 492,183$575,521$657,562$748,908$812,832$860,817$868,779$927,732$ Gross profit margin % - beer n/a n/a 20.7%15.7%20.4%19.1%20.3%22.5%21.4%25.6% Gross profit margin % - liquor n/a n/a 23.9%26.8%29.6%28.0%29.3%27.7%30.3%29.8% Gross profit margin % - wine n/a n/a 17.0%20.2%26.8%28.5%31.4%29.7%30.7%31.5% Deputy registrar (DMV) Motor vehicle transactions 45,225 40,950 45,595 48,000 51,250 54,814 56,211 55,261 60,051 64,927 DNR transactions 5,307 5,580 5,913 5,646 5,982 5,616 5,465 5,727 5,949 5,914 Game/fish transactions n/a 167 235 250 156 325 509 445 433 387 Drivers licenses transactions n/a n/a n/a 450 605 579 814 951 1,462 1,294 Total transactions 50,532 46,697 51,743 54,346 57,993 61,334 62,999 62,384 67,895 72,522 Dealerships serviced 18 14 21 25 30 34 38 21 23 25 Net revenue per transaction n/a n/a n/a n/a n/a 1.71$2.75$2.68$2.91$3.02$ N/A = Not Available MG = Millions of Gallons Note: Indicators are not available for the general government function. Sources: Various city departments Fiscal Year 105 CITY OF MONTICELLO Capital Assets Statistics by Function Last Ten Fiscal Years 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 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)65.7 67.6 67.6 68.0 68.0 68.0 68.0 68.0 68.0 68.0 Recreation and culture Parks acreage --120 180 509 635 635 696 860 952 Parks 19 19 20 20 28 28 28 28 30 30 Park buildings 9 9 10 11 15 15 15 15 15 15 Community center (sq. ft.)81,000 81,000 81,000 81,000 81,000 81,000 81,000 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. Source: Various city departments 106 Back Cover