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HomeMy WebLinkAbout2018 Annual Comprehensive Financial Report COMPREHENSIVE ANNUAL FINANCIAL REPORT OF THE CITY OF LAKE ELMO, MINNESOTA FOR THE YEAR ENDED DECEMBER 31, 2018 Prepared By: Finance Department Sue Iverson, Finance Director - This page intentionally left blank - CITY OF LAKE ELMO, MINNESOTA TABLE OF CONTENTS Page Reference No. Letter of Transmittal 3 Certificate of Achievement for Excellence in Financial Reporting7 Principal City Officials 9 Organization Chart 10 Independent Auditor's Report 13 Management's Discussion and Analysis 17 Basic Financial Statements: Government-Wide Financial Statements: Statement of Net Position Statement 1 31 Statement of Activities Statement 2 32 Fund Financial Statements: Balance Sheet - Governmental Funds Statement 3 34 Statement of Revenues, Expenditures and Changes in Fund Balance - Governmental Funds Statement 4 35 Reconciliation of the Balance Sheet of Governmental Funds To the Statement of Net Position Statement 5 36 Reconciliation of the Statement of Revenues, Expenditures and Changes In Fund Balance of Governmental Funds to the Statement of Activities Statement 6 37 Statement of Net Position - Proprietary Funds Statement 7 38 Statement of Revenues, Expenses and Changes in Fund Net Position - Proprietary Funds Statement 8 39 Statement of Cash Flows - Proprietary Funds Statement 9 40 Statement of Fiduciary Net Position - Fiduciary Funds Statement 10 41 Notes to Financial Statements 43 Required Supplementary Information: Budgetary Comparison Schedule - General Fund Statement 11 86 Schedule of Changes in the Total OPEB Liability and Related Ratios Statement 12 90 Schedule of Proportionate Share of Net Pension Liability - General Employees Retirement Fund Statement 13 91 Schedule of Pension Contributions - General Employees Retirement Fund Statement 14 92 INTRODUCTORY SECTION FINANCIAL SECTION CITY OF LAKE ELMO, MINNESOTA TABLE OF CONTENTS Page Reference No. Schedule of Proportionate Share of Net Pension Liability - Public Employees Police and Fire Fund Statement 15 93 Schedule of Pension Contributions - Public Employees Police and Fire Fund Statement 16 94 Schedule of Changes in the Net Pension Liability and Related Ratios - Lake Elmo Firefighters Relief Association Statement 17 95 Schedule of Contributions - Lake Elmo Firefighters Relief Association Statement 18 96 Notes to RSI 97 Combining and Individual Nonmajor Fund Financial Statements and Schedules: Combining Balance Sheet - Nonmajor Governmental Funds Statement 19 102 Combining Statement of Revenues, Expenditures and Changes in Fund Balance - Nonmajor Governmental Funds Statement 20 103 Subcombining Balance Sheet - Nonmajor Special Revenue Funds Statement 21 104 Subcombining Statement of Revenues, Expenditures and Changes in Fund Balance - Nonmajor Special Revenue Funds Statement 22 105 Subcombining Balance Sheet - Nonmajor Capital Project Funds Statement 23 106 Subcombining Statement of Revenues, Expenditures and Changes in Fund Balance - Nonmajor Capital Project Funds Statement 24 108 Subcombining Statement of Revenues, Expenses, and Changes in Fund Net Position - Internal Service Funds Statement 25 110 Subcombining Statement of Cash Flows - Internal Service Funds Statement 26 111 Statement of Changes in Fiduciary Net Position Fiduciary Funds Statement 27 113 Balance Sheet - Debt Service Fund by Bond Issue Statement 28 114 Statement of Revenues, Expenditures and Changes in Fund Balance - Debt Service Fund by Bond Issue Statement 29 116 CITY OF LAKE ELMO, MINNESOTA TABLE OF CONTENTS Page Reference No. Financial Trends: Net Position by Component Table 1 122 Changes in Net Position Table 2 124 Fund Balances, Governmental Funds Table 3 128 Changes in Fund Balances, Governmental Funds Table 4 130 Revenue Capacity: Tax Capacity and Estimated Actual Value of Taxable Property Table 5 132 Direct and Overlapping Property Tax Rates Table 6 133 Principal Property Taxpayers Table 7 135 Property Tax Levies and Collections Table 8 136 Water and Sanitary Sewer Charges by Customer Table 9 139 Debt Capacity: Ratios of Outstanding Debt by Type Table 10 140 Ratios of Net General Bonded Debt Table 11 142 Direct and Overlapping Governmental Activities Debt Table 12 144 Legal Debt Margin Information Table 13 145 Pledged Revenue Coverage Table 14 146 Demographic and Economic Information: Demographic and Economic Statistics Table 15 147 Principal Employers Table 16 149 Operating Information: Full-Time Equivalent Employees By Function/Program Table 17 150 Operating Indicators by Function/Program Table 18 152 Capital Asset Statistics by Function/Program Table 19 154 STATISTICAL SECTION (UNAUDITED) - This page intentionally left blank - INTRODUCTORY SECTION 1 - This page intentionally left blank - 2 September 9, 2019 Honorable Mayor, Members of the City Council, and Citizens of the City of Lake Elmo: Minnesota Statutes require all cities to issue an annual report on its financial position and activity prepared in accordance with generally accepted accounting principles (GAAP), under the guidance of the Government Accounting Standard Board (GASB), and audited in accordance with generally accepted auditing standards (GAAS) by a firm of licensed certified public accountants or the Office of the State Auditor. Pursuant to that requirement, we hereby issue the comprehensive annual financial report of the City of Lake Elmo, MN for the fiscal year ended December 31, 2018. This report consists of management’s representation concerning the finances of the City of Lake Elmo. Consequently, management assumes full responsibility for the completeness, accuracy and reliability of all the information presented in this report. To provide a reasonable basis for making these representations, the management of the City of Lake Elmo has established a thorough internal control system designed to both protect the City’s assets from loss, theft and misuse and to compile all necessary information for the preparation of the City of Lake Elmo’s financial statements in conformity with GAAP and GASB. As a management team, we assert that the financial statements will be free from material misstatement and that the financial report is reliable in all material respects. The City of Lake Elmo’s financial statements have been audited by Redpath and Company, a firm of licensed certified public accountants. The goal of the independent audit is to provide reasonable assurance that the financial statements of the City of Lake Elmo for the fiscal year ended December 31, 2018 are free from material misstatement. The independent audit involved examining, on an approved 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 of Lake Elmo’s financial statements for fiscal year ended December 31, 2018 are fairly presented in conformity with GAAP. The independent auditor’s report is presented as the first component of the financial section of the report. A “Single Audit” designed to meet the special needs of a federal grantor agency was not performed for the year ended December 31, 2018 as the City did not participate in any programs that required this additional independent audit. 3 GAAP requires that management provide a narrative introduction, overview, and analysis to accompany the basic financial statements in form of the Management’s Discussion and Analysis (MD&A). This letter of transmittal is included to complement the MD&A and should be read in conjunction with it. The City of Lake Elmo’s MD&A can be found immediately following the report of the independent auditors. PROFILE OF THE GOVERNMENT The City of Lake Elmo was incorporated in 1926 and is a statutory city in the State of Minnesota six miles east of St. Paul Minnesota. Located in Washington County, it covers 25 square miles and has an estimated population of 10,521 which represents 3,619 households. Policy-making and legislative authority are vested in a governing council consisting of an elected Mayor and four council members. Per Minnesota State Statute, the governing council is responsible for passing ordinances, adopting an annual budget, appointing committees and hiring both the city’s administrator and attorney. The City Administrator is responsible for carrying out the policies and ordinances of the governing council and overseeing the day-to-day operations of the city. The Council is elected on a non-partisan basis. The Mayor serves a four-year term and council members serve a four-year staggered term, with two of these positions elected every two years. The Mayor and the Council are elected at-large. The City of Lake Elmo provides a full range of Services including fire protection services, construction and maintenance of streets and infrastructure; recreational facilities; and water, sanitary sewer and storm water utility services. The City contracts with the Washington County Sheriff’s Department for police services. The annual budget serves as the foundation for the City of Lake Elmo’s financial management and fiscal stewardship. City departments and agencies of the City submit their requested budget to the City Administrator and the Finance Director in order to compile a preliminary budget for submission to the Finance Committee for their consideration. The Finance Committee then meets with the Department Heads to better understand their proposed budgets to later submit a budget to the City Council. The preliminary balanced budget is presented to the City Council in September each year so that the preliminary property tax levy can be submitted to Washington County by the annual due date. The preliminary property tax levy may be decreased but not increased. The 2018 Adopted Budget and final property tax levy was required to be adopted by and submitted to Washington County by December 29, 2017. Included in the City annual budget process is the compilation of a Capital Improvement Plan which allows for strategic planning of City infrastructure and equipment needs while maintaining a reasonable level of debt and a strong unassigned fund balance. Quarterly budget to actual comparison reports are provided to the Finance Committee and the City Council to keep them apprised of the financial performance of the City. FACTORS AFFECTING FINANCIAL CONDITION The information presented in the financial statements is perhaps best understood when it is considered from the broader perspective of the specific environment within which the City of Lake Elmo operates. 4 LOCAL ECONOMY Lake Elmo is home to numerous businesses that are leaders in their respective industries. New residential developments platted since 2014 number approximately 2,664 have been approved. The City’s highway infrastructure continues to make Lake Elmo a desirable residential location. Rapid growth is further reflected in 2018 population estimates of 10,521 or an increase of 30% since the 2010 census. New housing starts in 2018 numbered 273 with a total value of $113,913,615 and an average value of $417,265. There was no new Commercial construction in 2018, but rather a number of remodels and expansions. All these new starts have been built in 2018 or will be finished in 2019, which will greatly strengthen the existing tax base of the City. LONG TERM FINANCIAL PLANNING Total unassigned General Fund balance as of December 31, 2018 was 85% of the next year’s general fund expenditures and other financing uses. Although the State Auditor recommends maintaining a level of 35% - 50%, the City has consistently exceeded that rate, showing the City’s financial strength. The City’s 5-year Capital Improvement Plan serves as the foundation for long-term financial planning. Funding needs for capital replacements are reflected in tax levies for the street renewal and general fund asset replacements. Funding needs for capital infrastructure in the enterprise funds are funded through user fees in those funds. During 2017, Moody’s Investors Service increased the City's long term debt rating of AA+, and reaffirmed this rating in 2018. In their assessment of the City, Moody’s noted the following:  Strong financial operations supported by healthy reserves and liquidity  Healthy unassigned fund balance  Affluent tax base favorably located in Twin Cities metropolitan area Projections for the next 5 years indicate that property tax contributions, user fees and investment income will continue to grow based on planned development and expansion within the City. RELEVANT FINANCIAL POLICIES Trends of the past decade, changes in state tax law, and recent legislation indicate that the City will have a greater reliance on property taxes as a source of financing for city operations in the future and less reliance on the intergovernmental revenues (federal and state) and building permit fees. Changes in state tax law over the past decade have resulted in funding changes for both schools and local governments. The elimination of the homestead and agricultural credit aids program, and large cuts in both local government aid and the market value homestead credit programs resulted in revenue losses to the City. In addition, as the City continues toward full development, we anticipate future decreases in building permit revenues. MAJOR INITIATIVES 2018 was again an extremely robust year for the City due to continuation of on-going infrastructure upgrades, projects, as well as oversight of the on-going residential and commercial development activity. 5 Some of the 2018 infrastructure projects included the following:  The Old Village Improvement project is well underway and Phase IV was substantially completed in 2018. Phases V & VI of the project will be started in 2021. The projects cover full reconstruction of the streets as well as upgrading the existing water system and installation of a new sewer system and storm water drainage system.  The 2018 Street Reconstruction program substantially completed in 2018 continuing the City’s investment in capital expenditures and upkeep of its street infrastructure.  Phase II – Ideal Avenue included reconstruction of streets and sewer infrastructure.  2018 seal coating and crack filling project.  Use of Parkland dedication fees to continue to make improvements to existing and new parks.  Purchase of Brookfield building for future city hall and fire station.  Completion of the Salt Shed at Public Works. AWARDS AND ACKNOWLEDGEMENTS The Government Finance Officers Association (GFOA) of the United States and Canada awarded a Certificate of Achievement for Excellence in Financial Reporting (CAFR) to the City again for the fiscal year ending December 31, 2017. This certificate is a prestigious national award recognizing conformance with the highest standards for preparation for state and local government financial reports. In order to be awarded a Certificate of Achievement, a government unit must publish an easily readable and efficiently organized CAFR, whose contents conform to program standards. Such reports must satisfy both accounting principles generally accepted in the United States of America and applicable legal requirements. A certificate is valid for one year only. The City of Lake Elmo is pleased to present its Comprehensive Annual Financial Report, which will be submitted to the Government Finance Officers Association (GFOA) for consideration of a Certificate of Achievement for Excellence in Financial Reporting for its financial reports for the fiscal year ended December 31, 2018. The preparation of this report would not have been possible without the efficient and dedicated services of the personnel of the City of Lake Elmo. Further, we would like to express our appreciation to all members of the organization who assisted in contributing to the preparation of the report. Credit must also be given to the Mayor and the City Council for their unfailing support for maintaining the highest standards of management of the City of Lake Elmo’s finances. Respectfully submitted, Kristina Handt Susan K Iverson City Administrator Finance Director 6 Government Finance Officers Association Certificate of Achievement for Excellence in Financial Reporting Presented to City of Lake Elmo Minnesota December 31, 2017 For its Comprehensive Annual Financial Report for the Fiscal Year Ended . P·.~···.······· ···"···.···· .. · . ,. , . : ."Il ." ." Executive Director/CEO 7 - This page intentionally left blank - 8 CITY OF LAKE ELMO, MINNESOTA PRINCIPAL CITY OFFICIALS December 31, 2018 Term Expires Mayor: Mike Pearson December 31, 2020 Councilmembers: Justin Bloyer December 31, 2020 Christine Nelson December 31, 2020 Dale Dorschner December 31, 2022 Lisa McGinn December 31, 2022 Appointed Officials City Administrator:Kristina Handt Appointed Finance Director:Sue Iverson Appointed City Clerk:Julie Johnson Appointed 9 CCITY OF LAKE ELMO ORGANIZATIONAL CHART 2018 Fire Chief Planning Director Finance Director Public Works Director City Engineer Assessor Lead Worker Deputy Clerk Sheriff’s Office - Sgt (1) -Deputy(4) Assist. Chief Captains Firefighters (POC, PT) Seasonal Public Works Accountant Planning Commission Park Commission Economic Development Authority Environmental Finance Human Resources Maintenance Advisory Public Safety Building Official Planner Building Inspector Public Works Permit Technician Assistant Administrator 10 FINANCIAL SECTION 11 - This page intentionally left blank - 12 55 E 5th Street Suite 1400, St. Paul, MN, 55101 651.426.7000 www.redpathcpas.com INDEPENDENT AUDITOR'S REPORT To the Honorable Mayor and Members of the City Council City of Lake Elmo, 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 Lake Elmo, Minnesota, as of and for the year ended December 31, 2018, and the related notes to the financial statements, which collectively comprise the City of Lake Elmo, Minnesota’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 entity’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 entity’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. 13 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 of Lake Elmo, Minnesota, as of December 31, 2018, and the 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 17 to the financial statements, the City of Lake Elmo, Minnesota adopted new accounting guidance, GASB Statement No. 75, Accounting and Financial Reporting for Postemployment Benefits Other Than Pensions for the year ended December 31, 2018. Our opinion is not modified with respect to this matter. Other Matters Required Supplementary Information Accounting principles generally accepted in the United States of America require that the management’s discussion and analysis, the budgetary comparison information, and the schedules of OPEB and pension information, 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 Governmental Accounting Standards Board, 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 required supplementary information 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 of Lake Elmo, Minnesota’s basic financial statements. The introductory section, combining and individual nonmajor fund financial statements, and the statistical section are presented for purposes of additional analysis and are not a required part of the basic financial statements. 14 The combining and individual nonmajor fund financial statements 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 combining and individual nonmajor fund financial statements are fairly stated in all material respects in relation to the basic financial statements as a whole. The introductory section and the statistical section 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 September 9, 2019, on our consideration of the City of Lake Elmo, Minnesota’s internal control over financial reporting and on our tests of its compliance with certain provisions of laws, regulations, contracts, and grant agreements and other matters. The purpose of that report is solely to describe the scope of our testing of internal control over financial reporting and compliance and the results of that testing, and not to provide an opinion on the effectiveness of the City of Lake Elmo, Minnesota’s internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the City of Lake Elmo, Minnesota’s internal control over financial reporting and compliance. REDPATH AND COMPANY, LTD. St. Paul, Minnesota September 9, 2019 15 - This page intentionally left blank - 16 MANAGEMENT’S DISCUSSION AND ANALYSIS As management of the City of Lake Elmo, Minnesota (the City), we offer readers of the City’s financial statements this narrative overview and analysis of the financial activities of the City for the fiscal year ended December 31, 2018. We encourage readers to consider the information presented here in conjunction with additional information that we have furnished in our letter of transmittal, which can be found in the introductory section of this report. Financial Highlights The assets of the City exceeded its liabilities at the close of the most recent fiscal year by $48,198,180 (net position). Of this amount, $14,929,018 (unrestricted net position) may be used to meet the City’s ongoing obligations to citizens and creditors in accordance with the City's fund designations and fiscal policies. The City’s total net position increased by $5,213,136. As of the close of the current fiscal year, the City’s governmental funds reported combined ending fund balances of $9,075,498, a decrease of $298,849. Of this amount, $6,133,168 is restricted by external constraints established by creditors, grantors, contributors, or by state statutory provisions. At the end of the current fiscal year, the general fund balance was $4,775,646. Unassigned fund balance for the general fund was $4,756,695, or 85% of the next year’s total general fund expenditures and other financing uses. Total outstanding debt decreased by $604,000 during 2018. Taxable Lease Revenue Bonds were issued in the amount of $926,000 and General Obligation Equipment Certificates were issued in the amount of $940,000. Payments on outstanding debt during the year totaled $2,470,000. Overview of the Financial Statements This discussion and analysis is 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 a private-sector business. 17 Management’s Discussion and Analysis The Statement of Net Position presents information on all of the City’s assets and liabilities, with the difference between the two 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 (e.g. uncollected taxes and earned but unused vacation leave). Both of the government-wide financial statements distinguish functions of the City that are principally supported by taxes and intergovernmental revenues (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 of the City include general government, public safety, public works, culture and recreation, and economic development. The business-type activities of the City include a water, sewer and storm sewer utilities. The government-wide financial statements are statements 1 and 2 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 three categories: governmental funds, proprietary funds, and fiduciary 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 on balances of spendable resources available at the end of the fiscal year. Such information may be useful in evaluating a government’s near-term financial 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 City's near term financial decisions. Both the governmental fund balance sheet and governmental fund statement of revenues, expenditures and change in fund balance provide a reconciliation to facilitate this comparison between governmental funds and governmental activities. 18 Management’s Discussion and Analysis The City maintains five individual major governmental funds. Information is presented separately in the governmental fund balance sheet and in the governmental fund statement of revenues, expenditures and changes in fund balance for the following major funds:  General Fund  Debt Service  Vehicle Acquisition  Old Village Phase 4  2018 Street Improvements Data from the other 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 appropriated budget for its General Fund. A budgetary comparison schedule has been provided for the General Fund to demonstrate compliance with its budget. The basic governmental fund financial statements are statements 3 through 6 of this report. Proprietary funds. The City maintains three enterprise funds as a part of its proprietary fund type. 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, sewer and storm sewer utilities. The proprietary fund statements 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 the water, sewer and storm sewer funds, which are considered to be major funds of the City. The basic proprietary fund financial statements are statements 7 through 9 of this report. Fiduciary Funds. Fiduciary funds are used to account for resources held by the City as an agent for individuals, private organizations, or other governments. Fiduciary funds are not reflected by the government-wide financial statements because the resources of those funds are not available to support the City’s own programs. The basic fiduciary fund statements are Statements 10 and 27. Notes to the financial statements. The notes provide additional information that is essential to a full understanding of the data provided in the government–wide and fund financial statements. The notes to the financial statements can be found following Statement 10. Other information. The combining statements referred to earlier in connection with non- major governmental funds are presented immediately following the required supplementary 19 Management’s Discussion and Analysis information. Combining and individual fund statements and schedules are presented as Statements 19 through 26. Government-Wide Financial Analysis As noted earlier, net position may serve over time as a useful indicator of a government's financial position. In the case of the City, assets exceeded liabilities by $48,198,180 at the close of the most recent fiscal year. The largest portion of the City’s net position ($23,147,514, or 48%) reflects its net investment in capital assets (e.g. land, buildings, equipment, and infrastructure) less any related debt used to acquire those assets that is still outstanding. The City uses these capital assets to provide services to citizens; consequently, these assets are not available for future spending. Although the City’s investment in its capital assets is reported net of related debt, it should be noted that the resources needed to repay this debt must be provided from other sources, since the capital assets themselves cannot be used to liquidate these liabilities. City of Lake Elmo’ Net Position 2018 2017 2018 2017 2018 2017 Assets: Current and other assets $13,997,050 $12,381,583 $15,262,935 $14,443,394 $29,259,985 $26,824,977 Capital assets 27,140,392 24,394,812 34,234,655 33,741,028 61,375,047 58,135,840 Total assets 41,137,442 36,776,395 49,497,590 48,184,422 90,635,032 84,960,817 Deferred outflows of resources 805,439 330,948 36,680 88,562 842,119 419,510 Liabilities: Long-term liabilities outstanding 17,510,865 16,954,320 21,835,082 23,103,352 39,345,947 40,057,672 Other liabilities 1,655,900 1,418,646 1,460,036 1,152,033 3,115,936 2,570,679 Total liabilities 19,166,765 18,372,966 23,295,118 24,255,385 42,461,883 42,628,351 Deferred inflows of resources 784,982 138,956 32,106 12,953 817,088 151,909 Net position: Net investment in capital assets 10,782,850 8,883,320 12,364,664 12,180,378 23,147,514 21,063,698 Restricted 10,121,648 5,057,169 - 2,695,734 10,121,648 7,752,903 Unrestricted 1,086,636 4,654,932 13,842,382 9,128,534 14,929,018 13,783,466 Total net position $21,991,134 $18,595,421 $26,207,046 $24,004,646 $48,198,180 $42,600,067 Governmental Activities Business-Type Activities Totals $10,121,648 of the City’s net position represents resources that are subject to external restrictions on how they may be used. The remaining balance of unrestricted net position ($14,929,018) may be used to meet ongoing obligations to citizens and creditors. At the end of the current fiscal year, the City is able to report positive balances in all three categories of net position, both for the government as a whole, as well as for its separate governmental and business-type activities. 20 Management’s Discussion and Analysis The City’s net position increased by $5,213,136 during 2018. Key elements of this increase are as follows: Governmental Activities  Charges for Services increased by $87,368 primarily due to increased building permits issued and development fees.  Capital Grants and Contributions increased by $543,309 due to increased special assessment revenue from development and street improvements.  General Property taxes increased by $569,693.  Investment Earnings increased by $66,596 as a result of actively managing the investment portfolio.  Public Safety expenses increased $632,829 as a result of changing to a new staffing model and adding Part-time Firefighters; $50,255 from the increase in contract policing from the Washington County Sheriff contract; and $388,000 due to a change in the Fire Relief net pension and deferred inflows.  Public Works decreased as a result of deferred road maintenance of $309,982 for Sealcoat and Cracksealing and decreased capital costs that were expensed compared to the prior year.  Culture and Recreation decreased as the Library was transferred back to Washington County in 2018. Business-Type Activities  Revenues decreased by $1,123,523 as availability charges are paid at the time of platting developments for residential areas.  Investment earnings increased by $49,720.  Operating expenses decreased by $139,678 for contract services and repairs and maintenance. On May 21, 2019, the City and 3M Company, Inc (3M) reached an agreement to settle a lawsuit over groundwater contamination. As part of the settlement, the City will accept $2.7 million to be deposited into its Water Fund. 3M will also transfer ownership of 180 acres of farmland valued at approximately $1.8 million to the City. 21 Management’s Discussion and Analysis City of Lake Elmo’ Changes in Net Position 2018 2017 2018 2017 2018 2017 Revenues: Program revenues: Charges for services $2,396,114 $2,308,746 $1,527,299 $5,353,972 $3,923,413 $7,662,718 Operating grants and contributions 248,915 229,960 - - 248,915 229,960 Capital grants and contributions 2,833,574 2,290,265 4,142,448 1,489,922 6,976,022 3,780,187 General revenues: General property taxes 3,610,106 3,040,413 - - 3,610,106 3,040,413 Grants and contributions not restricted to specific programs 6,868 2,749 956 - 7,824 2,749 Unrestricted investment earnings 115,583 48,987 96,425 46,705 212,008 95,692 Gain on disposal of assets 8,991 - - - 8,991 - Miscellaneous - 158,350 - 52 - 158,402 Total revenues 9,220,151 8,079,470 5,767,128 6,890,651 14,987,279 14,970,121 Expenses: General government 1,266,269 1,503,251 - - 1,266,269 1,503,251 Public safety 2,161,082 1,528,253 - - 2,161,082 1,528,253 Public works 2,192,092 2,800,044 - - 2,192,092 2,800,044 Culture and recreation 524,445 1,299,551 - - 524,445 1,299,551 Economic development authority 47,702 - - - 47,702 - Interest on long-term debt 352,376 225,910 - - 352,376 225,910 Water - - 2,068,178 2,022,446 2,068,178 2,022,446 Sewer - - 846,032 1,030,058 846,032 1,030,058 Storm sewer - - 315,967 213,514 315,967 213,514 Total expenses 6,543,966 7,357,009 3,230,177 3,266,018 9,774,143 10,623,027 Increase in net position before transfers 2,676,185 722,461 2,536,951 3,624,633 5,213,136 4,347,094 Transfers 840 - (840) - - - Change in net position 2,677,025 722,461 2,536,111 3,624,633 5,213,136 4,347,094 Net position - January 1, as previously reported 18,595,421 17,872,960 24,004,646 20,380,013 42,600,067 38,252,973 Prior period adjustment 718,688 - (333,711) - 384,977 - Net position - January 1, as restated 19,314,109 17,872,960 23,670,935 20,380,013 42,985,044 38,252,973 Net position - December 31 $21,991,134 $18,595,421 $26,207,046 $24,004,646 $48,198,180 $42,600,067 Business-Type Activities TotalsGovernmental Activities 22 Management’s Discussion and Analysis Governmental Activities Governmental activities increased the City’s net position by $2,677,025 during 2018. The cumulative effect of increased capital grants and contributions, property taxes, investment earnings, increase in public safety expenses, decreases in public works expenses, and decreases in culture and recreation expenses account for the increase in 2018. Below are specific graphs which provide comparisons of the governmental activities revenues and expenses: 23 Management’s Discussion and Analysis Business-Type Activities Business-type activities increased the City’s net position by $2,536,111 during 2018. The increase was due mainly to capital grants and contributions and charges for services exceeding the expenses of each business-type fund. Below are specific graphs which provide comparisons of the business-type activities revenues and expenses: 24 Management’s Discussion and Analysis Financial Analysis of the Government'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, unassigned fund balance may serve as a useful measure of a government’s net resources available for spending at the end of the fiscal year. At the end of the current fiscal year, the City’s governmental funds reported combined ending fund balances of $9,075,498. Approximately 68% of this total amount ($6,133,168) constitutes fund balance restricted by external constraints established by creditors, grantors, contributors, or by state statutory provisions. $19,346 of fund balance is not in a spendable form, $11,003 has been committed, $1,198,909 has been assigned, and $1,713,072 is unassigned. The fund balance of the General Fund increased by $581,973 in 2018, while the City anticipated the use of $194,000 of the general fund balance. Overall, signs of continued economic recovery are being seen with steady building and development activities taking place which resulted in increased building permit revenues for the year. The City also saw a slight decrease in number general permits issued during the year as the previous year saw an increase due to a storm causing significant damage throughout the City in June of 2017. Finally, reduced expenditures, primarily for personal services through vacant positions, and professional and contractual services helped to increase the year end fund balance. The Debt Service fund balance increased by $1,217,037. The 2002, 2006A and 2009A series were closed out in 2018. The 2019A series will be issued in 2019, however special assessments were collected in 2018 for this issue. Significant special assessment prepayments related to the 2015A and 2017A bonds were also received in 2018. The Vehicle Acquisition fund balance increased by $864,009. The 2018A series bonds were issued in 2018 to finance the purchase of a new fire truck and public works vehicle. The Old Village Phase 4 fund balance decreased by $1,037,202. Bonds for this project will be issued in 2019 as the City internally financed these costs with reserves for the short-term. The 2018 Street Improvements fund balance decreased by $1,122,043. Bonds for this project will be issued in 2019 as the City internally financed these costs with reserves for the short- term. The combined fund balance of other governmental funds decreased $802,623 during 2018. Primary reasons for the decrease include infrastructure projects for CSAH 15/CSAH 14 realignment, 2017 Street Improvements, Old Village Phase 3, CSAH 13-Ideal Ave, construction of a City salt shed, and improvements to City parks. 25 Management’s Discussion and Analysis Proprietary funds. The City’s proprietary funds provide the same type of information found in the government-wide financial statements, but in more detail. The water fund has total net position at year-end of $14,133,240, of which $4,471,791 is unrestricted. The increase in net position of $296,818 was primarily due to capital contributions, partially offset by a net operating loss and interest and fees on long term debt. The sewer fund has total net position at year-end of $10,376,847, of which $8,022,075 is unrestricted. The increase in net position of $2,215,213 was primarily due to capital contributions, partially offset by a net operating loss and interest and fees on long-term debt. The storm sewer fund has total net position at year-end of $1,696,959, of which $1,348,516 is unrestricted. The increase in net position of $24,080 was primarily due to net operating income, offset by interest and fees on long-term debt. Budgetary Highlights General Fund The General Fund budget was not amended during the year. The City budgeted for a $194,000 decrease in fund balance, while the actual increase in fund balance was $581,973. Revenues were $558,162 over budget for the year. This is mainly due to license and permit revenue, which was over budget by $323,248, and charges for services, which was over budget by $177,510. Expenditures came in under budget by $360,857 due to many factors including lower than expected personal service costs from vacant positions and deferred expenditures for Sealcoating and Cracksealing until 2019 of $309,982. The purchase of an Inspection Vehicle for $24,000 was also deferred until 2019. 26 Management’s Discussion and Analysis Capital Asset and Debt Administration Capital assets. The City’s investment in capital assets for its governmental and business- type activities as of December 31, 2018, amounted to $61,375,047 (net of accumulated depreciation), an increase of $3,241,207 from the prior year. This investment in capital assets includes land, construction in progress, buildings, other improvements, machinery and equipment, and infrastructure. The City completed the Old Village Phase 3 project and the 2017 Streets project. The City has continued to work to complete the Lions Park project. In addition, the City began the Trunk Highway 36/CSAH 15 Interchange project, the 2018 Street Improvement project, and the Old Village Phase 4 project. City of Lake Elmo’ Capital Assets (Net of Depreciation) 2018 2017 2018 2017 2018 2017 Land $3,453,979 $3,453,979 $248,869 $248,869 $3,702,848 $3,702,848 Construction in progress 5,497,408 4,218,535 3,003,858 2,933,887 8,501,266 7,152,422 Buildings 3,124,409 2,504,533 - - 3,124,409 2,504,533 Improvements other than buildings 394,950 376,336 - - 394,950 376,336 Machinery and equipment 1,532,330 1,689,088 84,780 68,409 1,617,110 1,757,497 Infrastructure 13,137,316 12,150,341 30,897,148 30,489,863 44,034,464 42,640,204 Total $27,140,392 $24,392,812 $34,234,655 $33,741,028 $61,375,047 $58,133,840 Governmental Activities Business-Type Activities Totals Additional information on the City’s capital assets can be found in Note 5 to the financial statements. 27 Management’s Discussion and Analysis Long-term debt. At the end of the current fiscal year, the City had total bonded debt outstanding of $37,226,000, a decrease of $604,000. The key factors for the change include the issuance of $1,866,000 of Taxable Lease Revenue Bonds and General Obligation Equipment Certificates to finance capital equipment purchases and City projects, as well as principal retired in the amount of $2,470,000 during the year. City of Lake Elmo’ Outstanding Debt 2018 2017 2018 2017 2018 2017 G.O. Improvement bonds $14,105,000 $15,280,000 $21,255,000 $22,550,000 $35,360,000 $37,830,000 G.O. Equipment certificates 940,000 - - - 940,000 - Taxable lease revenue bonds 926,000 - - - 926,000 - Total $15,971,000 $15,280,000 $21,255,000 $22,550,000 $37,226,000 $37,830,000 Business-Type Activities TotalsGovernmental Activities Additional information on the City’s long-term debt can be found in Note 6. Requests for information. This financial report is designed to provide a general overview of the City’s finances for all those with an interest in the government’s finances. Questions concerning any of the information provided in this report or requests for additional financial information should be addressed to the Director of Finance, City of Lake Elmo, 3880 Laverne Ave N, Suite 100, Lake Elmo, Minnesota, 55042. 28 BASIC FINANCIAL STATEMENTS 29 - This page intentionally left blank - 30 CITY OF LAKE ELMO, MINNESOTA STATEMENT OF NET POSITION Statement 1 December 31, 2018 Governmental Business-Type Activities Activities Total Assets: Cash and investments $10,444,281 $11,548,359 $21,992,640 Accrued interest receivable 31,548 30,279 61,827 Due from other governmental units 9,254 - 9,254 Accounts receivable - net 3,985 530,315 534,300 Prepaid items 19,346 14,113 33,459 Property taxes receivable 76,402 - 76,402 Special assessments receivable 3,141,827 3,139,869 6,281,696 Net pension asset 270,407 - 270,407 Capital assets - nondepreciable 8,951,387 3,252,727 12,204,114 Capital assets - net of accumulated depreciation 18,189,005 30,981,928 49,170,933 Total assets 41,137,442 49,497,590 90,635,032 Deferred outflows of resources related to pensions 805,439 36,680 842,119 Liabilities: Accounts payable 125,231 79,102 204,333 Due to other governmental units 659,240 267,247 926,487 Salaries and benefits payable 93,034 8,804 101,838 Contracts and retainage payable 92,505 189,865 282,370 Deposits payable 228,050 - 228,050 Accrued interest payable 186,610 211,018 397,628 Unearned revenue 271,230 704,000 975,230 Compensated absences payable: Due within one year 52,995 14,884 67,879 Due in more than one year 17,665 4,962 22,627 Bonds payable: Due within one year 1,615,000 1,360,000 2,975,000 Due in more than one year 14,663,054 20,320,126 34,983,180 Other postemployment benefits: Due in more than one year 54,021 9,909 63,930 Net pension liability: Due in more than one year 1,108,130 125,201 1,233,331 Total liabilities 19,166,765 23,295,118 42,461,883 Deferred inflows of resources related to pensions 784,982 32,106 817,088 Net position: Net investment in capital assets 10,782,850 12,364,664 23,147,514 Restricted for: Debt service 8,216,475 - 8,216,475 Vehicle acquisition 806,427 - 806,427 Park improvements 851,785 - 851,785 Fire Relief Association pension plan 246,961 - 246,961 Unrestricted 1,086,636 13,842,382 14,929,018 Total net position $21,991,134 $26,207,046 $48,198,180 Primary Government The accompanying notes are an integral part of these financial statements. 31 CITY OF LAKE ELMO, MINNESOTA STATEMENT OF ACTIVITIES For The Year Ended December 31, 2018 Program Revenues Charges For Functions/Programs Expenses Services Primary government: Governmental activities: General government $1,266,269 $379,378 Public safety 2,161,082 1,938,163 Public works 2,192,092 - Culture and recreation 524,445 - Economic development authority 47,702 78,573 Interest and fees on long-term debt 352,376 - Total governmental activities 6,543,966 2,396,114 Business-type activities: Water 2,068,178 951,985 Sewer 846,032 252,614 Storm sewer 315,967 322,700 Total business-type activities 3,230,177 1,527,299 Total primary government $9,774,143 $3,923,413 The accompanying notes are an integral part of these financial statements. 32 Statement 2 Operating Capital Grants and Grants and Governmental Business-Type Contributions Contributions Activities Activities Total $7,138 $ - ($879,753)$ - ($879,753) 77,318 - (145,601) - (145,601) 158,795 2,330,772 297,475 - 297,475 5,664 502,802 (15,979) - (15,979) - - 30,871 - 30,871 - - (352,376) - (352,376) 248,915 2,833,574 (1,065,363)0 (1,065,363) - 1,381,842 - 265,649 265,649 - 2,760,245 - 2,166,827 2,166,827 - 361 - 7,094 7,094 0 4,142,448 0 2,439,570 2,439,570 $248,915 $6,976,022 (1,065,363)2,439,570 1,374,207 General revenues: General property taxes 3,610,106 - 3,610,106 Grants and contributions not restricted to specific programs 6,868 956 7,824 Unrestricted investment earnings 115,583 96,425 212,008 Gain on disposal of capital assets 8,991 - 8,991 Transfers 840 (840) - Total general revenues and transfers 3,742,388 96,541 3,838,929 Change in net position 2,677,025 2,536,111 5,213,136 Net position - January 1, as previously reported 18,595,421 24,004,646 42,600,067 Prior period adjustment - Note 17 718,688 (333,711)384,977 Net position - January 1, as restated 19,314,109 23,670,935 42,985,044 Net position - December 31 $21,991,134 $26,207,046 $48,198,180 Program Revenues Net (Expense) Revenue and Changes in Net Position Primary Government The accompanying notes are an integral part of these financial statements. 33 CITY OF LAKE ELMO, MINNESOTA BALANCE SHEET Statement 3 GOVERNMENTAL FUNDS December 31, 2018 Debt Vehicle Old Village 2018 Street Other Total General Fund Service Acquisition Phase 4 Improvements Governmental Governmental (101) (300s) (410) (421) (422) Funds Funds Assets Cash and investments $2,679,286 $4,461,692 $901,652 $ - $ - $2,401,651 $10,444,281 Accrued interest receivable 20,056 11,012 2,249 - 20 (1,789) 31,548 Due from other governmental units 2,536 - - - - 6,718 9,254 Accounts receivable - net 3,985 - - - - - 3,985 Prepaid items 18,951 - - - - 395 19,346 Due from other funds 2,467,979 - - - - 16,399 2,484,378 Property taxes receivable: Due from county 34,377 - - - - - 34,377 Delinquent 42,025 - - - - - 42,025 Special assessments receivable: Due from county - 1,997 - - - - 1,997 Delinquent 295 1,181 - - - - 1,476 Deferred - 3,120,521 - - - 17,833 3,138,354 Total assets $5,269,490 $7,596,403 $903,901 $0 $20 $2,441,207 $16,211,021 Liabilities, Deferred Inflows of Resources, and Fund Balance Liabilities: Accounts payable $106,028 $ - $7,837 $ - $ - $11,366 $125,231 Due to other governmental units 99,412 - - - - 559,828 659,240 Salaries and benefits payable 93,034 - - - - - 93,034 Contracts and retainage payable - - - 37,496 46,302 8,707 92,505 Due to other funds - 22,548 - 999,706 1,067,611 394,513 2,484,378 Deposits payable 153,050 - - - - 75,000 228,050 Unearned revenue - - - - - 271,230 271,230 Total liabilities 451,524 22,548 7,837 1,037,202 1,113,913 1,320,644 3,953,668 Deferred inflows of resources: Unavailable revenue 42,320 3,121,702 - - - 17,833 3,181,855 Fund balance: Nonspendable 18,951 - - - - 395 19,346 Restricted - 4,452,153 806,427 - - 874,588 6,133,168 Committed - - - - - 11,003 11,003 Assigned - - 89,637 - - 1,109,272 1,198,909 Unassigned 4,756,695 - - (1,037,202) (1,113,893) (892,528) 1,713,072 Total fund balance 4,775,646 4,452,153 896,064 (1,037,202) (1,113,893) 1,102,730 9,075,498 Total liabilities, deferred inflows of resources, and fund balance $5,269,490 $7,596,403 $903,901 $0 $20 $2,441,207 $16,211,021 The accompanying notes are an integral part of these financial statements. 34 CITY OF LAKE ELMO, MINNESOTA STATEMENT OF REVENUES, EXPENDITURES AND Statement 4 CHANGES IN FUND BALANCE GOVERNMENTAL FUNDS For The Year Ended December 31, 2018 Debt Vehicle Old Village 2018 Street Other Total General Fund Service Acquisition Phase 4 Improvements Governmental Governmental (101) (300s) (410) (421) (422) Funds Funds Revenues: General property taxes $2,396,720 $1,213,788 $ - $ - $ - $ - $3,610,508 Licenses and permits 1,317,648 - - - - - 1,317,648 Intergovernmental 232,885 - - - - 14,293 247,178 Charges for services 821,235 - - - - 78,573 899,808 Fines and forfeits 49,203 - - - - - 49,203 Special assessments 21,116 1,377,039 - - - - 1,398,155 Park dedication fees - - - - - 502,802 502,802 Investment income 78,634 34,776 6,924 - 66 (4,817) 115,583 Miscellaneous 117,455 - 12,000 - - - 129,455 Total revenues 5,034,896 2,625,603 18,924 0 66 590,851 8,270,340 Expenditures: Current: General government 1,208,145 - - - - - 1,208,145 Public safety 1,644,159 - - - - - 1,644,159 Public works 1,140,678 - - - - 86,843 1,227,521 Culture and recreation 238,449 - - - - 3,312 241,761 Economic development authority - - - - - 47,702 47,702 Capital outlay: Public safety - - 7,837 - - - 7,837 Public works 57,443 - 121,236 1,037,202 1,122,109 976,444 3,314,434 Culture and recreation 21,003 - - - - 307,145 328,148 Economic development authority - - - - - 901,670 901,670 Debt service: Principal - 1,175,000 - - - - 1,175,000 Interest and fiscal charges - 204,739 4,500 - - 21,583 230,822 Total expenditures 4,309,877 1,379,739 133,573 1,037,202 1,122,109 2,344,699 10,327,199 Revenues over (under) expenditures 725,019 1,245,864 (114,649) (1,037,202) (1,122,043) (1,753,848) (2,056,859) Other financing sources (uses): Transfers in - 1,317 29,667 - - 25,225 56,209 Transfers out (143,046) (30,144) - - - - (173,190) Issuance of debt - - 940,000 - - 926,000 1,866,000 Proceeds from sale of capital assets - - 8,991 - - - 8,991 Total other financing sources (uses) (143,046) (28,827) 978,658 0 0 951,225 1,758,010 Net change in fund balance 581,973 1,217,037 864,009 (1,037,202) (1,122,043) (802,623) (298,849) Fund balance - January 1, as previously reported 4,109,326 3,224,987 31,840 - 8,122 885,542 8,259,817 Prior period adjustment - Note 17 84,347 10,129 215 - 28 1,019,811 1,114,530 Fund balance - January 1, as restated 4,193,673 3,235,116 32,055 0 8,150 1,905,353 9,374,347 Fund balance - December 31 $4,775,646 $4,452,153 $896,064 ($1,037,202) ($1,113,893) $1,102,730 $9,075,498 The accompanying notes are an integral part of these financial statements. 35 CITY OF LAKE ELMO, MINNESOTA RECONCILIATION OF THE BALANCE SHEET OF GOVERNMENTAL Statement 5 FUNDS TO THE STATEMENT OF NET POSITION December 31, 2018 Fund balance - total governmental funds (Statement 3) $9,075,498 Net position reported for governmental activities in the Statement of Net Position is different because: Certain assets used in governmental activities are not current financial resources and, therefore, are not reported in the funds. Capital assets 27,140,392 Net pension asset 270,407 Other long-term assets are not available to pay for current-period expenditures and, therefore, are reported as unavailable revenue in the funds: Delinquent taxes receivable 42,025 Delinquent special assessments receivable 1,476 Deferred special assessments receivable 3,138,354 Long-term liabilities are not due and payable in the current period and, therefore, are not reported in the funds. Long-term liabilities at year end consist of: Bonds payable (15,971,000) Unamortized bond premiums (307,054) Accrued interest payable (186,610) Compensated absences payable (70,660) Other postemployment benefits (54,021) Net pension liability (1,108,130) Deferred outflows and inflows of resources related to pensions and OPEB are associated with long-term liabilities that are not due and payable in the current period, and therefore, are not reported in the funds. Balances at year end are: Deferred outflows of resources 805,439 Deferred inflows of resources (784,982) Net position of governmental activities (Statement 1)$21,991,134 36 CITY OF LAKE ELMO, MINNESOTA RECONCILIATION OF THE STATEMENT OF REVENUES,Statement 6 EXPENDITURES AND CHANGES IN FUND BALANCE OF GOVERNMENTAL FUNDS TO THE STATEMENT OF ACTIVITIES For The Year Ended December 31, 2018 Net change in fund balance - total governmental funds (Statement 4)($298,849) Amounts reported for governmental activities in the Statement of Activities are different because: Governmental funds report 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: Depreciation (1,122,854) Capital outlay 4,552,089 Capital outlay not capitalized (24,494) Various other transactions involving capital assets increase (decrease) net position on the Statement of Activities, but are not reported in governmental funds because they do not provide (or use) current financial resources: Gain (loss) on disposal of capital assets (214,210) Transfer of capital assets from the Internal Service Funds 144,582 Revenues in the Statement of Activities that do not provide current financial resources are not reported as revenues in the funds: Change in delinquent taxes receivable (402) Change in delinquent special assessments receivable 1,476 Change in deferred special assessments receivable 931,141 The issuance of long-term debt provides current financial resources to governmental funds, while repayment of the principal of long-term debt consumes the current financial resources of governmental funds. Neither transaction, however, has any effect on net position. Also, governmental funds report the effects of bond premiums and discounts when the debt is first issued, whereas amounts are deferred and amortized over the life of the debt in the Statement of Activities. Bonds issued (1,866,000) Repayment of principal 1,175,000 Amortization of bond premiums 38,780 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 governmental funds. Expenses reported in the Statement of Activities include the effects of the changes in these expense accruals as follows: Change in accrued interest payable (160,334) Change in compensated absences payable (8,823) Change other post employment benefits liability (11,053) Pension expense in governmental funds is measured by current year employee contributions. Pension expense in the Statement of Activities is measured by the change in the net pension liability and related deferred inflows and outflows of resources. This is the amount by which pension expense differed from pension contributions.(432,263) Internal service funds are used by management to charge the cost of certain activities to individual funds. Net revenues (expenses) of certain activities of internal service funds are reported within the governmental activities Statement of Activities.(26,761) Change in net position of governmental activities (Statement 2)$2,677,025 The accompanying notes are an integral part of these financial statements. 37 CITY OF LAKE ELMO, MINNESOTA STATEMENT OF NET POSITION Statement 7 PROPRIETARY FUNDS December 31, 2018 Storm Water (601) Sewer (602) Sewer (603) Total Assets: Current assets: Cash and investments $4,970,049 $5,548,853 $1,029,457 $11,548,359 Accrued interest receivable 9,817 15,173 5,289 30,279 Accounts receivable - net 137,012 79,612 313,691 530,315 Prepaid items - 14,113 - 14,113 Total current assets 5,116,878 5,657,751 1,348,437 12,123,066 Noncurrent assets: Special assessments receivable 304,332 2,791,034 44,503 3,139,869 Capital assets: Land 248,869 - - 248,869 Construction in progress 1,512,884 1,319,102 171,872 3,003,858 Machinery and equipment 316,011 14,034 - 330,045 Infrastructure 25,666,898 9,043,010 3,290,101 38,000,009 Total capital assets 27,744,662 10,376,146 3,461,973 41,582,781 Less: Allowance for depreciation (5,953,481) (1,110,369) (284,276) (7,348,126) Net capital assets 21,791,181 9,265,777 3,177,697 34,234,655 Total assets 27,212,391 17,714,562 4,570,637 49,497,590 Deferred outflows of resources related to pensions 26,991 6,454 3,235 36,680 Liabilities: Current liabilities: Accounts payable 75,427 3,334 341 79,102 Due to other governmental units 8,786 257,285 1,176 267,247 Salaries and benefits payable 5,917 1,669 1,218 8,804 Contracts and retainage payable 118,977 70,888 - 189,865 Accrued interest payable 100,502 84,198 26,318 211,018 Unearned revenue 654,000 50,000 - 704,000 Compensated absences payable - current portion 7,940 4,592 2,352 14,884 Bonds payable - current portion 760,000 425,000 175,000 1,360,000 Total current liabilities 1,731,549 896,966 206,405 2,834,920 Noncurrent liabilities: Compensated absences payable - noncurrent portion 2,647 1,531 784 4,962 Bonds payable - noncurrent portion 11,250,755 6,415,117 2,654,254 20,320,126 Other postemployment benefits 5,434 2,877 1,598 9,909 Net pension liability 92,131 22,029 11,041 125,201 Total noncurrent liabilities 11,350,967 6,441,554 2,667,677 20,460,198 Total liabilities 13,082,516 7,338,520 2,874,082 23,295,118 Deferred inflows of resources related to pensions 23,626 5,649 2,831 32,106 Net position: Net investment in capital assets 9,661,449 2,354,772 348,443 12,364,664 Unrestricted 4,471,791 8,022,075 1,348,516 13,842,382 Total net position $14,133,240 $10,376,847 $1,696,959 $26,207,046 Business-Type Activities - Enterprise Funds The accompanying notes are an integral part of these financial statements. 38 CITY OF LAKE ELMO, MINNESOTA STATEMENT OF REVENUES, EXPENSES AND Statement 8 PROPRIETARY FUNDS For The Year Ended December 31, 2018 Governmental Activities - Storm Internal Water (601) Sewer (602) Sewer (603)Totals Service Funds Operating revenues: Charges for services $835,164 $244,383 $285,775 $1,365,322 $ - Water meter sales 115,036 - - 115,036 - Other operating revenue 1,785 8,231 36,925 46,941 - Total operating revenues 951,985 252,614 322,700 1,527,299 0 Operating expenses: Personal services 168,785 58,412 29,566 256,763 - Materials and supplies 168,140 7,451 5,276 180,867 - Professional services 285,962 56,862 22,965 365,789 - Repairs and maintenance 152,990 26,155 48,762 227,907 - Insurance 7,981 3,187 5,001 16,169 - Utilities 106,022 103,922 - 209,944 - Depreciation 902,049 414,735 149,901 1,466,685 - Other 8,720 8,229 4,959 21,908 - Total operating expenses 1,800,649 678,953 266,430 2,746,032 0 Operating income (loss)(848,664) (426,339) 56,270 (1,218,733)0 Nonoperating revenues (expenses): Investment income 31,305 48,218 16,902 96,425 - Intergovernmental revenue 704 168 84 956 - Interest and fees on long-term debt (267,529) (167,079) (49,537) (484,145) - Contribution of capital assets to governmental activities - - - - (144,582) Total nonoperating operating revenues (expenses)(235,520) (118,693) (32,551) (386,764) (144,582) Income (loss) before contributions and transfers (1,084,184) (545,032) 23,719 (1,605,497) (144,582) Contributions and transfers: Capital contributions: Special assessments 48,742 1,427,565 361 1,476,668 - Connection charges 1,333,100 1,332,680 - 2,665,780 - Transfer in - - - - 117,821 Transfer out (840) - - (840) - Total contributions and transfers 1,381,002 2,760,245 361 4,141,608 117,821 Change in net position 296,818 2,215,213 24,080 2,536,111 (26,761) Net position - January 1, as previously reported 14,108,157 8,297,958 1,598,531 24,004,646 26,761 Prior period adjustment - Note 17 (271,735) (136,324) 74,348 (333,711) - Net position - January 1, as restated 13,836,422 8,161,634 1,672,879 23,670,935 26,761 Net position - December 31 $14,133,240 $10,376,847 $1,696,959 $26,207,046 $0 CHANGES IN FUND NET POSITION Business-Type Activities - Enterprise Funds The accompanying notes are an integral part of these financial statements. 39 CITY OF LAKE ELMO, MINNESOTA STATEMENT OF CASH FLOWS Statement 9 PROPRIETARY FUNDS For The Year Ended December 31, 2018 Governmental Activities - Storm Internal Water (601) Sewer (602) Sewer (603) Totals Service Funds Cash flows from operating activities: Receipts from customers and users $894,590 $212,264 $278,255 $1,385,109 $ - Payment to suppliers (761,225) (432,822) (88,666) (1,282,713) - Payment to employees (173,066) (72,016) (40,726) (285,808) - Net cash flows provided by operating activities (39,701) (292,574) 148,863 (183,412)0 Cash flows from noncapital financing activities: Transfers in - - - - 117,821 Transfers out (840) - - (840) - Interfund loan payments from other funds 54,305 23,915 78,220 - Interfund loan payments to other funds (795) - - (795) (117,821) Net cash flows provided by (used in) noncapital financing activities (1,635) 54,305 23,915 76,585 0 Cash flows from capital and related financing activities: Special assessments 57,624 887,414 (5,452) 939,586 - Connection charges 1,508,100 1,332,680 - 2,840,780 - Principal paid on long-term debt (465,000) (160,000) - (625,000) - Interest and fees paid on long-term debt (191,071) (93,452) (28,137) (312,660) - Acquisition of capital assets (354,059) (533,411) (27,399) (914,869) - Net cash flows provided by (used in) capital and related financing activities 555,594 1,433,231 (60,988) 1,927,837 - Cash flows from investing activities: Investment earnings 21,488 33,045 11,613 66,146 - Net increase (decrease) in cash and cash equivalents 535,746 1,228,007 123,403 1,887,156 0 Cash and cash equivalents - January 1 4,434,303 4,320,846 906,054 9,661,203 - Cash and cash equivalents - December 31 $4,970,049 $5,548,853 $1,029,457 $11,548,359 $0 Reconciliation of operating income to net cash provided by operating activities: Operating income (loss)($848,664) ($426,339) $56,270 ($1,218,733) $ - Adjustments to reconcile operating income (loss) to net cash flows from operating activities: Miscellaneous revenue 704 168 84 956 - Depreciation 902,049 414,735 149,901 1,466,685 - Changes in assets and liabilities: Decrease (increase) in accounts receivable - net (59,049) (40,518) (45,565) (145,132) - Decrease (increase) in due from other governmental units 950 - 1,036 1,986 - Decrease (increase) in prepaid items - (6,435) - (6,435) - Decrease (increase) in deferred outflows of resources 1,245 3,505 3,144 7,894 - Increase (decrease) in accounts payable (20,569) (299,546)5,697 (314,418) - Increase (decrease) in due to other governmental units (10,841) 78,965 (7,400) 60,724 - Increase (decrease) in salaries and benefits payable 1,847 515 275 2,637 - Increase (decrease) in compensated absences 1,662 1,188 683 3,533 - Increase (decrease) in other post employment benefits 1,080 572 318 1,970 - Increase (decrease) in net pension liability (27,101) (21,324) (15,807) (64,232) - Increase (decrease) in deferred inflows of resources 16,986 1,940 227 19,153 - Total adjustments 808,963 133,765 92,593 1,035,321 0 Net cash provided by operating activities ($39,701) ($292,574) $148,863 ($183,412)$0 Noncash investing, capital and financing activities: Contributions of capital assets to governmental activities $0 $0 $0 $0 ($144,582) Business-Type Activities - Enterprise Funds The accompanying notes are an integral part of these financial statements. 40 CITY OF LAKE ELMO, MINNESOTA STATEMENT OF FIDUCIARY NET POSITION Statement 10 FIDUCIARY FUNDS December 31, 2018 Agency Fund Assets: Cash and investments $2,916,175 Liabilities: Accounts payable $31,149 Deposits payable 2,885,026 Total liabilities $2,916,175 The accompanying notes are an integral part of these financial statements. 41 - This page intentionally left blank - 42 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 Note 1 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The City of Lake Elmo, Minnesota (the City) is a statutory City under Optional Plan A as defined in the State of Minnesota statues. The City is governed by an elected Mayor and a four-member Council. The Council exercises legislative authority and determines all matters of policy. The Council appoints personnel responsible for the proper administration of all affairs relating to the City. The basic financial statements of the City have been prepared in conformity with U.S. generally accepted accounting principles as applied to governmental units by the Governmental Accounting Standards Board (GASB). The following is a summary of significant accounting policies: A. FINANCIAL REPORTING ENTITY As required by accounting principles generally accepted in the United States of America, the financial statements of the reporting entity include those of the City (the primary government) and its component units. Generally, component units are legally separate organizations for which the officials of the primary government are financially accountable. COMPONENT UNITS The City has one component unit, the Economic Development Authority (EDA). The financial statements of the EDA are included as a blended component unit because its governing body is substantively the same as the City Council, the City is in a relationship of financial burden with the EDA, and because management of the City have operational responsibilities for the EDA. Separate financial statements for the EDA are not prepared. RELATED ORGANIZATION The Lake Elmo Firefighters Relief Association (the Association) is organized as a nonprofit organization, legally separate from the City, by its members to provide pension and other benefits to such members in accordance with Minnesota Statutes. The Association’s Board of Trustees is appointed by the membership of the Association and not by the City Council. All funding is conducted in accordance with Minnesota Statutes, whereby state aid flows to the Association, tax levies are determined by the Association and the Association pays benefits directly to its members. The Association may certify tax levies to Washington County directly if the City does not carry out this function. Because the Association is fiscally independent of the City, the financial statements of the Association have not been included within the City’s reporting entity. 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 non-fiduciary activities of the primary government and its component units. 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. 43 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 The Statement of Activities demonstrates the degree to which the direct expenses of a given function or business-type activity are offset by program revenues. Direct expenses are those that are clearly identifiable with a specific function or business-type activity. 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 business-type activity and 2) grants and contributions that are restricted to meeting the operational or capital requirements of a particular function or business-type activity. Taxes and other items not included among program revenues are reported instead as general revenues. The fund financial statements are provided for governmental funds, proprietary funds and fiduciary funds, even though the latter are excluded from the government-wide financial statements. The emphasis of governmental and proprietary fund financial statements is on major individual governmental and enterprise funds, with each displayed as separate columns in the fund financial statements. All remaining governmental and enterprise funds are aggregated and reported as nonmajor funds. The City reports the following major governmental funds: General Fund is the City’s primary operating fund. It accounts for all financial resources of the general government, except those required to be accounted for in another fund. Debt Service Fund is an accumulation of resources (primarily special assessments and property tax revenues) for the payments of principal and interest on long-term general obligation debt of governmental funds. Vehicle Acquisition Fund accounts for the accumulation of funds for the purchase of vehicles to be used by various City departments. Although this fund did not meet the requirements to be considered a major fund, management has elected to include this fund as a major fund as of and for the year ended December 31, 2018. Old Village Phase 4 Fund accounts for the accumulation of funds for the Old Village Phase 4 project, which includes extending sanitary sewer to replace the use of private on-site sewage properties, replacing aged watermain pipes, and reconstructing the affected properties. 2018 Street Improvements Fund accounts for the accumulation of funds for 2018 improvements to the streets in Lake Elmo. The City reports the following major proprietary funds: The Water Fund accounts for the activities of the City’s water distribution operations. The Sewer Fund accounts for revenues and costs associated with the City’s sewer system. The Storm Sewer Fund accounts for costs associated with the City’s storm sewer system. These costs are financed by the storm sewer surcharge. Additionally, the City reports the following fund types: Internal Service Funds are used to account for the replacement of radios, information technology and furniture, fixtures and equipment expenses of the governmental activities. Internal service funds operate in a manner similar to enterprise funds; however they accumulate funding primarily 44 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 from other departments within the City on a cost reimbursement basis. The internal service funds were closed in 2018. Agency Funds are fiduciary funds that are custodial in nature and do not present results of operations or have a measurement focus. Agency funds are accounted for using the accrual basis of accounting. The City’s agency funds are used to record the receipt and remittance of monies held by the City as an agent primarily for land developers and builders that will be refunded to the respective depositors when the conditions are satisfied in accordance with the respective agreements. C. MEASUREMENT FOCUS AND BASIS OF ACCOUNTING 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 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. The City’s only fiduciary funds are agency funds. Agency funds are custodial in nature (assets equal liabilities) and do not involve measurement of results of operations. 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 to be available when they are collectible within the current period or soon enough thereafter to pay liabilities of the current period. For this purpose, the City considers all revenues, except reimbursement grants, to be available if they are collected within 60 days of the end of the current fiscal period. Reimbursement grants are considered available if they are collected within one year 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 compensated absences and claims and judgments, are recorded only when payment is due. Property taxes, special assessments, intergovernmental revenues, charges for services and interest associated with the current fiscal period are all considered to be susceptible to accrual and so have been recognized as revenues of the current fiscal period. Only the portion of special assessments receivable due within the current fiscal period is considered to be susceptible to accrual as revenue of the current period. All other revenue items are considered to be measurable and available only when cash is received by the City. 45 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 As a general rule the effect of interfund activity has been eliminated from the government-wide financial statements. Exceptions to this general rule are transactions that would be treated as revenues, expenditures or expenses if they involved external organizations, such as buying goods and services or payments in lieu of taxes, are similarly treated when they involve other funds of the City. Elimination of these charges would distort the direct costs and program revenues reported for the various functions concerned. Proprietary Funds distinguish operating revenues and expenses from nonoperating 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 water, sewer and storm sewer enterprise funds are charges to customers for sales and services. Operating expenses for enterprise funds include the cost of sales and services, administrative expenses, and depreciation on capital assets. All revenues and expenses not meeting this definition are reported as nonoperating revenues and expenses. D. BUDGETS Budgets are adopted on a basis consistent with accounting principles generally accepted in the United States of America. Annual appropriated budgets are legally adopted by Council resolution for the General Fund and enterprise funds. Encumbrance accounting, under which purchase orders, contracts, and other commitments for the expenditure of monies are recorded in order to reserve that portion of the appropriation, is not employed by the City because it is at present not considered necessary to assure effective budgetary control or to facilitate effective cash management. The City follows these legal compliance procedures in establishing the budgetary data reflected in the financial statements: 1. Budget requests are submitted by all department heads to the City Administrator and Finance Director in July of each year. The Finance Director’s office compiles the budget request into an overall preliminary City budget, balancing budget requests with available revenue. 2. In July, the Finance Committee reviews the budget and recommends the budget to the City Council. 3. The preliminary budget is submitted to the City Council in September for its review and/or modification. 4. City administration presents the proposed budget to the City Council which in turn, when required, holds a truth-in-taxation public hearing on the proposed budget. The budget resolution adopted by the City Council sets forth the budget at the department level for the General Fund and the fund level for the enterprise funds. 5. All budgets appropriations lapse at the end of the fiscal year. The legal level of control (the level on which expenditures may not legally exceed appropriations) for each budget is at the department level. Administration cannot legally amend or transfer appropriations between departments without the approval of the City Council once the budget has been approved. Any over expenditures of appropriations or transfers of appropriated amounts must be approved by the City Council. 46 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 6. Budgeted amounts are originally adopted, or as amended by the City Council. The budget cannot be amended without approval by the City Council. E. CASH AND INVESTMENTS Cash and investment balances from all funds are pooled and invested to the extent available in authorized investments. Investment income is allocated to individual funds on the basis of the fund's equity in the cash and investment pool. Investments are stated at fair value, except for investments in external investment pools that meet GASB 79 requirements, which are stated at amortized cost. Interest earnings are accrued at year-end. For purposes of the Statement of Cash Flows, the Proprietary Funds consider all highly liquid investments with a maturity of three months or less when purchased to be cash equivalents. All of the cash and investments allocated to the Proprietary Fund types have original maturities of 90 days or less. Therefore, the entire balance in such fund types is considered cash equivalents. F. RECEIVABLES The estimated portion of uncollectible property taxes and special assessments is not material and has not been reported. Because utility bills are considered liens on property, no estimated uncollectible amounts are established. Uncollectible amounts are not material for other receivables. G. PROPERTY TAX REVENUE RECOGNITION The City Council annually adopts a tax levy and certifies it to the County in December (levy/assessment date) of each year for collection in the following year. The County is responsible for billing and collecting all property taxes for itself, the City, the local School District and other taxing authorities. Such taxes become a lien on January 1 and are recorded as receivables by the City at that date. Real property taxes are payable (by property owners) on May 15 and October 15 of each calendar year. Personal property taxes are payable by taxpayers on February 28 and June 30 of each year. These taxes are collected by the County and remitted to the City on or before July 15 and December 15 of the same year. Delinquent collections for November and December are received the following January. The City has no ability to enforce payment of property taxes by property owners. The County possesses this authority. GOVERNMENT-WIDE FINANCIAL STATEMENTS Within the government-wide financial statements, the City recognizes property tax revenue in the period for which taxes were levied. Uncollectible property taxes are not material and have not been reported. 47 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 GOVERNMENTAL FUND 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. In practice, current and delinquent taxes and received by the City in July, December, and the following January are recognized as revenue for the current year. Taxes collected by the county by December 31 (remitted to the City the following January) are classified as due from county. Taxes not collected by the county by December 31 are classified as delinquent taxes receivable. Delinquent taxes receivable are fully offset by deferred inflows of resources because they are not available to finance current expenditures. H. SPECIAL ASSESSMENT REVENUE RECOGNITION Special assessments are levied against benefited properties for the cost or a portion of the cost of special assessment improvement projects in accordance with State Statutes. These assessments are collectible by the City over a term of years usually consistent with the term of the related bond issue. Collection of annual installments (including interest) is handled by the County Auditor in the same manner as property taxes. Property owners are allowed to (and often do) prepay 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 forfeit 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 a tax forfeit sale after three years unless it is homesteaded, agricultural or seasonal recreational land in which event the property is subject to such sale after five years. GOVERNMENT-WIDE FINANCIAL STATEMENTS Within the government-wide financial statements, the City recognizes special assessment revenue in the period that the assessment roll was adopted by the City Council. Uncollectible special assessments are not material and have not been reported. GOVERNMENTAL FUND FINANCIAL STATEMENTS Within the fund financial statements, the revenue from special assessments is recognized by the City when it becomes measurable and available to finance expenditures of the current fiscal period. In practice, current and delinquent special assessments received by the City are recognized as revenue for the current year. Special assessments are collected by the County and remitted by December 31 (remitted to the City the following January) and are also recognized as revenue for the current year. All remaining delinquent, deferred and special deferred assessments receivable in governmental funds are completely offset by deferred inflows of resources. I. INVENTORY The original cost of materials and supplies has been recorded as expenditures/expenses at the time of purchase. The City does not maintain material amounts of inventories of goods and supplies. 48 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 J. PREPAID ITEMS Certain prepayments to vendors reflect costs applicable to future accounting periods and are recorded as prepaid items in both government-wide and fund financial statements. Prepaid items are reported using the consumption method and recorded as expenditures/expenses at the time of consumption. K. CAPITAL ASSETS Capital assets, which include property, plant, equipment, and infrastructure assets (e.g. roads, sidewalks, street lights, and similar items) are reported in the applicable governmental or business-type activities columns in the government-wide financial statements. Capital assets are defined by the City as assets with an initial, individual cost of more than $25,000 and an estimated useful life in excess of one year. Such assets are recorded at historical cost or estimated historical cost if purchased or constructed. Donated capital assets are recorded at acquisition value at the date of donation. The costs of normal maintenance and repairs that do not add to the value of the asset or materially extend assets lives are not capitalized. Major outlays for capital assets and improvements are capitalized as projects are constructed. Property, plant and equipment is depreciated using the straight-line method over the following estimated useful lives: Useful Life in Years Buildings and Improvements 10-50 Infrastructure 20-40 Other Improvements 10-25 Machinery and Equipment 5-20 L. COMPENSATED ABSENCES It is the City’s policy to permit employees to accumulate earned but unused PTO (Personal Time Off), extended leave and sick pay benefits. All vacation pay and PTO and the portion of sick pay allowable as severance is accrued in the government-wide and proprietary fund financial statements. The current portion is calculated based on historical trends. M. LONG-TERM OBLIGATIONS In the government-wide financial statements and proprietary fund types in the fund financial statements, long-term debt and other long-term obligations are reported as liabilities in the applicable governmental activities, business-type activities, or proprietary fund type Statement of Net Position. Bond premiums and discounts are amortized over the life of the related debt. 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. 49 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 N. DEFERRED OUTFLOWS AND INFLOWS OF RESOURCES In addition to assets, the statement of financial position 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) that time. The City has one item that qualifies for reporting in the category. It is the pension related deferred outflows of resources reported in the government-wide Statement of Net Position and the proprietary funds Statement of Net Position. In addition to liabilities, the statement of financial position reports 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 therefore, will not be recognized as an inflow of resources (revenue) until that time. The City has pension related deferred inflows of resources reported in the government- wide Statement of Net Pension and the proprietary funds Statements of Net Position. The City also has a type of item, which arises only under a modified accrual basis of accounting, that qualifies for reporting in this category. Accordingly, the item, unavailable revenue, is reported only in the governmental fund balance sheet. The governmental funds report unavailable revenues from the following sources: property taxes and special assessments not collected within 60 days from year-end. O. 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. 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. These constraints are established by a resolution approved by the City Council, and committed amounts cannot be used for any other purpose unless the City Council removes or changes the specified use by resolution. Assigned - consists of internally imposed constraints for the specific purpose of the City’s intended use. These constraints are established by the City Council and/or management. The City Council has delegated the power to assign fund balances to the City’s finance committee. Unassigned - is the residual classification for the General Fund and 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, and 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. 50 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 P. NET POSITION Net position represents the difference between assets plus deferred outflows of resources and liabilities plus deferred inflows of resources in the government-wide financial statements. Net investment in capital assets consists of capital assets, net of accumulated depreciation, reduced by the outstanding balance of any long-term debt used to build or acquire the capital assets. Net postion is reported as restricted in the government-wide financial statements when there are limitations on its use through external restrictions imposed by creditors, grantors or laws or regulations of other governments. Q. INTERFUND TRANSACTIONS During the course of operations, numerous transactions occur between individual funds for goods provided or services rendered. Interfund services provided and used are accounted for as revenues, expenditures or expenses. Transactions that constitute reimbursements to a fund for expenditures / expenses initially made from it that are properly applicable to another fund, are recorded as expenditures/expenses in the reimbursing fund and as reductions of expenditures/expenses in the fund that is reimbursed. The City provides temporary advances to funds that have insufficient cash balances by means of an advance from another fund. Such advances are classified as “due to/from other funds.” Long-term interfund loans are classified as “interfund loan receivable/payable.” Any residual balances outstanding between the governmental activities and business-type activities are reported in the government-wide financial statements as “internal balances.” All other interfund transactions are reported as transfers. R. USE OF ESTIMATES The preparation of financial statements in accordance with generally accepted accounting principles (GAAP) requires management to make estimates that affect amounts reported in the financial statements during the reporting period. Actual results could differ from such estimates. S. PENSION PLANS COST SHARING MULTIPLE - EMPLOYER PLANS 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 is 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. SINGLE EMPLOYER PLAN For purposes of measuring the net pension liability (asset), deferred outflows/inflows of resources, and pension expense, information about the fiduciary net position of the Lake Elmo Firefighters Relief Association (the Association) and additions to/deductions from the Association’s fiduciary net position 51 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 have been determined on the same basis as they were reported by the Association. For this purpose, benefit payments are recognized when due and payable in accordance with the benefit terms. Investments are reported at fair value. Note 2 DEPOSITS AND INVESTMENTS A. DEPOSITS In accordance with Minnesota Statutes, the City maintains deposits at those depository banks authorized by the City Council, all of which are members of the Federal Reserve System. Custodial Credit Risk – Custodial credit risk is the risk that in the event of a bank failure, the City’s deposits may not be returned to it. Minnesota Statutes require that insurance, surety bonds or collateral protect all City deposits. The market value of collateral pledged must equal 110% of deposits not covered by insurance or bonds. The City has no additional deposit policies addressing custodial credit risk. At December 31, 2018, the bank balance of the City’s deposits was insured by the FDIC or covered by pledged collateral held in the City’s name. Minnesota Statutes require that securities pledged as collateral be held in safekeeping by the City Treasurer or in a financial institution other than that furnishing the collateral. Authorized collateral includes the following: a) United States government treasury bills, treasury notes, treasury bonds; b) Issues of United States government agencies and instrumentalities as quoted by a recognized industry quotation service available to the government entity; c) General obligation securities of any state or local government with taxing powers which is rated “A” or better by a national bond rating service, or revenue obligation securities of any state or local government with taxing powers which is rated “AA” or better by a national bond rating service; d) General obligation securities of a local government with taxing powers may be pledged as collateral against funds deposited by that same local government entity; e) Irrevocable standby letters of credit issued by Federal Home Loan Banks to a municipality accompanied by written evidence that the bank’s public debt is rated “AA” or better by Moody’s Investors Service, Inc. or Standard & Poor’s Corporation; and f) Time deposits that are fully insured by the Federal Deposits Insurance Corporation. At December 31, 2018, the carrying amount of the City’s deposits with financial institutions was $4,273,656. 52 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 B. INVESTMENTS Minnesota Statutes authorize the City to invest in the following: a) Direct obligations or obligations guaranteed by the United States or its agencies, its instrumentalities, or organizations created by an act of congress, excluding mortgage-backed securities defined as high risk. b) Shares of investment companies registered under the Federal Investment Company Act of 1940 and whose only investments are in securities described in (a) above, general obligation tax-exempt securities, or repurchase or reverse repurchase agreements. c) State and local securities as follows: 1) any security which is a general obligation of any state or local government with taxing powers which is rated “A” or better by a national bond rating service; 2) any security which is a revenue obligation of any state or local government with taxing powers which is rated “AA” or better by a national bond rating service; and 3) a general obligation of the Minnesota Housing Finance Agency which is a moral obligation of the State of Minnesota and is rated “A” or better by a national bond rating agency. d) Bankers acceptance of United States banks. e) Commercial paper issued by United States corporations or their Canadian subsidiaries, of the highest quality, and maturing in 270 days or less. f) Repurchase or reverse repurchase agreements with banks that are members of the Federal Reserve System with capitalization exceeding $10,000,000; a primary reporting dealer in U.S. government securities to the Federal Reserve Bank of New York; certain Minnesota securities broker-dealers; or, a bank qualified as a depositor. g) General obligation temporary bonds of the same governmental entity issued under section 429.091, subdivision 7; 469.178, subdivision 5; or 475.61, subdivision 6. 53 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 At December 31, 2018, the City had the following investments and maturities: Fair Less Investment Type Rating Value Than 1 1 - 5 6 - 10 Wells Fargo money market Not rated $96,153 $96,153 $ - $ - Northland Securities money market Not rated 204,520 204,520 - - 4M Fund money market Not rated 5,974,522 5,974,522 - - Brokered certificates of deposit Not rated 10,191,693 4,345,530 5,601,163 245,000 Municipal bonds Aaa 209,256 - 209,256 - Federal Farm Credit Bank notes Aaa 601,350 - - 601,350 Federal Home Loan Bank notes Aaa 1,227,507 - 224,557 1,002,950 Federal Home Loan Mortgage Corp. notes Aaa 1,565,938 - 1,315,925 250,013 Federal National Mortgage Assn. notes Aaa 562,472 - 562,472 - Total $20,633,411 $10,620,725 $7,913,373 $2,099,313 Total investments $20,633,411 Deposits 4,273,656 Petty cash 1,748 Total cash and investments $24,908,815 Investment Maturities (in Years) These amounts are presented in the financial statements as follows: Cash and investments: Governmental and business-type (Statement 1) $21,992,640 Fiduciary (Statement 10) 2,916,175 Total $24,908,815 The City categorizes its fair value measurements within the fair value hierarchy established by generally accepted accounting principles. The hierarchy is based on the valuation inputs used to measure the fair value of the asset. The hierarchy has three levels. Level 1 investments are valued using inputs that are based on quoted prices in active markets for identical assets. Level 2 investments are valued using inputs that are based on quoted prices for similar assets or inputs that are observable, either directly or indirectly. Level 3 investments are valued using inputs that are unobservable. 54 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 The City has the following recurring fair value measurements at December 31, 2018: Investment Type 12/31/2018 Level 1 Level 2 Level 3 Investments at fair value: Brokered certificates of deposit $10,191,693 $ - $10,191,693 $ - Municipal bonds 209,256 - 209,256 - Federal Farm Credit Bank notes 601,350 - 601,350 - Federal Home Loan Bank notes 1,227,507 - 1,227,507 - Federal Home Loan Mortgage Corp. notes 1,565,938 - 1,565,938 - Federal National Mortgage Assn. notes 562,472 - 562,472 - $14,358,216 $0 $14,358,216 $0 Investments not categorized: Wells Fargo money market 96,153 ` Northland Securities money market 204,520 4M Fund money market 5,974,522 Total investments $20,633,411 Fair Value Measurement Using The 4M Fund is an external investment pool investment which is regulated by Minnesota Statutes and the Board of Directors of the League of Minnesota Cities. It is an unrated pool and the fair value of the position in the pool is the same as the value of pool shares. The pool is managed to maintain a portfolio weighted average maturity of no greater than 60 days and seeks to maintain a constant net asset value (NAV) of $1 per share. The pool measures its investments at amortized cost in accordance with GASB Statement No. 79. The 4M Plus Fund requires funds to be deposited for a minimum of 14 calendar days. Withdrawals prior to the 14-day restriction period are subject to penalty equal to 7 days interest on the amount withdrawn. C. INVESTMENT RISKS Custodial Credit Risk – Investments – For investments in securities, custodial credit risk is the risk that in the event of failure of the counterparty to a transaction, the City will not be able to recover the value of its investment securities that are in the possession of an outside party. Investments in investment pools and money markets are not evidenced by securities that exist in physical or book entry form, and therefore are not subject to custodial credit risk disclosures. The City’s investment policy requires its brokers be licensed with the appropriate federal and state agencies. A minimum capital requirement of $10,000,000 and at least five years of operation is mandatory. Investments in securities are held by the City’s broker-dealers. The securities at each broker-dealer are insured $500,000 through SIPC. Each broker-dealer has provided additional protection by providing additional insurance. This insurance is subject to aggregate limits applied to all of the broker-dealer’s accounts. Interest Rate Risk – Interest rate risk is the risk that changes in interest rates will adversely affect the fair value of an investment. Generally, the longer the maturity of an investment, the greater the sensitivity of its fair value to changes in market interest rates. The City’s investment policy states that extended maturities may be utilized to take advantage of higher yields; however no more than 25% of total investments should extend beyond five years and in no circumstance should any extend beyond ten 55 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 years. The City’s investment portfolio is structured so that securities mature to meet cash requirements for ongoing operations. Credit Risk – Credit risk is the risk than an issuer of an investment will not fulfill its obligation to the holder of the investment. The City’s policy to minimize credit risk includes limiting investing funds to those allowable under Minnesota Statute 118A, annually appointing all financial institutions where investments are held, and diversifying the investment portfolio. This is measured by the assignment of a rating by a nationally recognized statistical rating organization. Concentration of Credit Risk – Concentration of credit risk is the risk of loss that may be attributed to the magnitude of a government’s investment in a single issuer. The City places no limit on the amount it may invest in any one issuer. At December 31, 2018, 7.6% and 5.9% of the City’s investments were invested in the Federal Home Loan Mortgage Corporation and the Federal Home Loan Bank, respectively. Note 3 RECEIVABLES Significant receivable balances not expected to be collected within one year of December 31, 2018 are as follows: Property Special Taxes Assessments Receivable Receivable Total Major Funds: General Fund $24,268 $ - $24,268 Debt Service Fund - 2,548,409 2,548,409 Water Fund - 195,174 195,174 Sewer Fund - 2,438,894 2,438,894 Nonmajor Funds - 17,833 17,833 Total $24,268 $5,200,310 $5,224,578 56 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 Note 4 UNAVAILABLE REVENUE Governmental funds report deferred inflows of resources in connection with receivables for revenues that are not considered to be available to liquidate liabilities of the current period. At the end of the current fiscal year, the various components of unavailable revenue reported in the governmental funds are as follows: Property Special Taxes Assessments Receivable Receivable Total Major Funds: General Fund $42,025 $295 $42,320 Debt Service Fund - 3,121,702 3,121,702 Nonmajor Funds - 17,833 17,833 Total $42,025 $3,139,830 $3,181,855 57 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 Note 5 CAPITAL ASSETS Capital asset activity for the year ended December 31, 2018 was as follows: Beginning Balance, Ending As Restated Increases Decreases Balance Governmental activities: Capital assets, not being depreciated: Land $3,453,979 $ - $ - $3,453,979 Construction in progress 4,230,887 3,572,242 (2,305,721) 5,497,408 Total capital assets, not being depreciated 7,684,866 3,572,242 (2,305,721) 8,951,387 Capital assets, being depreciated: Buildings 3,533,542 901,670 (241,137) 4,194,075 Improvements other than buildings 1,415,398 67,038 - 1,482,436 Machinery and equipment 4,219,244 53,683 (49,812) 4,223,115 Infrastructure 15,509,251 2,238,683 - 17,747,934 Total capital assets, being depreciated 24,677,435 3,261,074 (290,949) 27,647,560 Less accumulated depreciation for: Building 1,029,008 67,585 (26,927) 1,069,666 Improvements other than buildings 1,037,062 50,424 - 1,087,486 Machinery and equipment 2,504,865 235,731 (49,812) 2,690,784 Infrastructure 3,841,505 769,114 - 4,610,619 Total accumulated depreciation 8,412,440 1,122,854 (76,739) 9,458,555 Total capital assets being depreciated - net 16,264,995 2,138,220 (214,210) 18,189,005 Governmental activities capital assets - net $23,949,861 $5,710,462 ($2,519,931) $27,140,392 Beginning Balance, Ending As Restated Increases Decreases Balance Business-type activities: Capital assets, not being depreciated: Land $248,869 $ - $ - $248,869 Construction in progress 2,936,488 1,090,527 (1,023,157) 3,003,858 Total capital assets, not being depreciated 3,185,357 1,090,527 (1,023,157) 3,252,727 Capital assets, being depreciated: Machinery and shop equipment 300,586 29,459 - 330,045 Infrastructure 36,994,704 1,005,305 - 38,000,009 Total capital assets, being depreciated 37,295,290 1,034,764 0 38,330,054 Less accumulated depreciation for: Machinery and equipment 232,178 13,087 - 245,265 Infrastructure 5,649,263 1,453,598 - 7,102,861 Total accumulated depreciation 5,881,441 1,466,685 0 7,348,126 Total capital assets being depreciated - net 31,413,849 (431,921)0 30,981,928 Business-type activities capital assets - net $34,599,206 $658,606 ($1,023,157) $34,234,655 58 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 Depreciation expense was charged to functions/programs of the City as follows: Governmental activities: General government $14,212 Public safety 107,296 Public works 934,539 Culture & recreation 66,807 Total depreciation expense - governmental activities $1,122,854 Business-type activities: Water $902,049 Sewer 414,735 Storm sewer 149,901 Total depreciation expense - business-type activities $1,466,685 59 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 Note 6 LONG-TERM DEBT The City issues general obligation bonds to provide funds for economic development and for the acquisition and construction of major capital assets including infrastructure. General obligation bonds have been issued for both governmental and business-type activities. Bonds issued to provide funds for business-type activities are reported in proprietary funds if they are expected to be repaid from proprietary revenues. General obligation bonds are direct obligations and pledge the full faith and credit of the City. General obligation improvement bonds are expected to be repaid, in part, from assessments to the benefited properties. A summary of long-term debt outstanding at December 31, 2018 is as follows: Issue Interest Maturity Payable Date Rates Date 12/31/18 Governmental Activities: General obligation improvement bonds: 2009B Improvement bonds 10/01/09 3.00% - 3.05% 01/15/20 $125,000 2010A Improvement bonds 11/15/10 2.35% - 2.80% 02/01/21 225,000 2010B CIP refunding bonds 11/15/10 2.05% - 3.20% 02/01/25 1,225,000 2011A Improvement bonds 10/01/11 1.25% - 2.30% 02/01/22 355,000 2012B Improvement bonds 08/16/12 1.25% - 1.90% 02/01/23 455,000 2013A Improvement bonds 10/01/13 2.00% - 3.75% 07/15/28 1,135,000 2014A Improvement bonds 07/15/14 2.00% - 3.5% 01/15/30 2,250,000 2015A Improvement bonds 08/13/15 2.00% - 3.00% 01/15/26 1,325,000 2016A Improvement bonds 06/01/16 2.00% 01/15/27 2,445,000 2017A Improvement bonds 06/08/17 2.50% - 3.00% 01/15/28 4,565,000 Total general obligation improvement bonds 14,105,000 General obligation equipment certificates: 2018A Equipment certificates 10/16/18 2.70% - 2.70% 02/01/28 940,000 Taxable lease revenue bonds: 2018A Taxable lease revenue bonds 06/28/18 4.50% - 4.50% 01/15/34 926,000 Unamortized bond premiums 307,054 Compensated absences payable 70,660 Total governmental activities $16,348,714 Business-Type Activities: General obligation revenue bonds: 2012A Refunding bonds 08/13/12 2.00% - 2.50% 12/01/30 $3,435,000 2013A Improvement bonds 10/01/13 2.00% - 4.00% 07/15/33 3,015,000 2014A Improvement bonds 07/15/14 2.00% - 3.50% 01/15/30 2,800,000 2015A Improvement bonds 08/13/15 2.00% - 3.00% 01/15/31 1,065,000 2016A Improvement bonds 06/01/16 2.00% 01/15/32 6,460,000 2017A Improvement bonds 06/01/16 2.50% - 3.00% 01/15/33 4,480,000 Total general obligation revenue bonds 21,255,000 Unamortized bond premiums 425,126 Compensated absences payable 19,846 Total business-type activities $21,699,972 60 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 CHANGES IN LONG-TERM DEBT The following is a schedule of changes in City indebtedness for the year ended December 31, 2018: Beginning Balance,Ending Due Within As Restated Additions Deletions Balance One Year Governmental activities: G.O. Improvement bonds $15,280,000 $ - $1,175,000 $14,105,000 $1,615,000 G.O. Equipment certificates - 940,000 - 940,000 - Taxable lease revenue bonds - 926,000 - 926,000 - Unamortized bond premiums 345,834 - 38,780 307,054 - Compensated absences payable 61,837 117,538 108,715 70,660 52,995 Total governmental activities $15,687,671 $1,983,538 $1,322,495 $16,348,714 $1,667,995 Business-type activities: G.O. Revenue bonds $22,550,000 $ - $1,295,000 $21,255,000 $1,360,000 Unamortized bond premiums 457,536 - 32,410 425,126 - Compensated absences payable 16,313 26,248 22,715 19,846 14,884 Total business-type activities: $23,023,849 $26,248 $1,350,125 $21,699,972 $1,374,884 61 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 DEBT SERVICE REQUIREMENTS Future principal and interest payments required to retire long-term debt are as follows: Years Ending December 31 Principal Interest Principal Interest Principal Interest Principal Interest 2019 $1,615,000 $325,856 $ - $20,093 $ - $43,638 $1,360,000 $509,863 2020 1,655,000 289,874 90,000 24,165 45,000 40,658 1,380,000 481,188 2021 1,615,000 253,250 95,000 21,668 47,000 38,588 1,395,000 452,088 2022 1,570,000 217,086 100,000 19,036 49,000 36,428 1,495,000 422,073 2023 1,515,000 181,060 100,000 16,336 51,000 34,178 1,495,000 389,363 2024-2028 5,810,000 399,251 555,000 38,135 290,000 133,697 7,945,000 1,394,213 2029-2033 325,000 11,164 - - 362,000 60,660 6,185,000 388,757 2034-2038 - - - - 82,000 1,841 - - Total $14,105,000 $1,677,541 $940,000 $139,433 $926,000 $389,688 $21,255,000 $4,037,545 General ObligationGeneral Obligation General Obligation Revenue Bonds Taxable Lease Revenue BondsImprovement Bonds Equipment Certificates It is not practicable to determine the specific year for payment of long-term compensated absences payable. For governmental activities, compensated absences are liquidated by the General Fund. DEFERRED AD VALOREM TAX LEVIES – BONDED DEBT General obligation bonds are backed by the full faith and credit of the City, including special assessment and revenue bond issues. General Obligation improvement bond issues are financed by ad valorem tax levies in addition to special assessments levied against the benefiting properties. When a bond issue to be financed partially or completely by ad valorem tax levies is sold, specific annual amounts of such tax levies are stated in the bond resolution and the County Auditor is notified and instructed to levy these taxes over the appropriate years. The future tax levies are subject to cancellation when and if the City has provided alternative sources of financing. The City Council is required to levy any additional taxes found necessary for full payment of principal and interest. The future scheduled tax levies are not shown as assets in the accompanying financial statements. 62 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 REVENUE PLEDGED Future revenue pledged for the payment of long-term debt is as follows: Remaining Principal Pledged Term of Principal and Interest Revenue Bond Issue Use of Proceeds Type Pledge and Interest Paid Received 2009B G.O. Improvement Infrastructure improvements 2010 - 2019 $128,736 $66,906 $58,534 2010A G.O. Improvement Infrastructure improvements 2011 - 2020 $234,281 $76,785 $72,756 2010B G.O. CIP Refunding Infrastructure improvements Ad valorem taxes 2011 - 2024 $1,358,204 $191,369 $204,519 2011A G.O. Improvement Infrastructure improvements 2012 - 2021 $370,970 $93,171 $82,462 2012A G.O. Refunding Water system improvements Water usage charges 2012 - 2030 $3,974,290 $293,344 $835,164 2012B G.O. Improvement Infrastructure improvements 2013 - 2022 $476,092 $93,264 $83,897 2013A G.O. Improvement Infrastructure improvements 2014 - 2033 $5,206,464 $453,970 $1,084,744 Ad valorem taxes, 2014A G.O. Improvement Infrastructure improvements Special assessments, 2015 - 2029 $5,933,614 $553,628 $1,370,025 Water & sewer charges Ad valorem taxes, 2015A G.O. Improvement Infrastructure improvements Special assessments, 2016 - 2030 $2,710,205 $283,164 $1,816,251 Water & sewer charges 2016A G.O. Improvement Infrastructure improvements 2017 - 2031 $10,076,250 $824,500 $1,710,394 2017A G.O. Improvement Infrastructure improvements 2018 - 2032 $10,605,980 $255,997 $1,883,130 2018A G.O. Equipment Certificates Purchase of fire truck, dump truck Ad valorem taxes 2019 - 2027 $1,079,433 $ - $ - 2018A Taxable Lease Revenue Purchase of city hall Lease revenues 2018 - 2033 $1,315,688 $ - $78,573 Current Year Ad valorem taxes, Special assmts, Water, Sewer, Storm charges Revenue Pledged Ad valorem taxes, Special assmts, Water, Sewer, Storm charges Ad valorem taxes, Special assessments Ad valorem taxes, Special assessments Ad valorem taxes, Special assessments Ad valorem taxes, Special assessments Special assessments, Water & Sewer charges Note 7 DEFINED BENEFIT PENSION PLANS – PERA A. PLAN DESCRIPTION The City participates in the following cost-sharing multiple-employer defined benefit pension plans 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. 63 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 1. General Employees Retirement Fund (GERF) All full-time (with the exception of employees covered by PEPFF) and certain part-time employees of the City are covered by the General Employees Retirement Fund (GERF). GERF members belong to the Coordinated Plan. Coordinated Plan members are covered by Social Security. 2. Public Employees Police and Fire Fund (PEPFF) The PEPFF, originally established for police officers and firefighters not covered by a local relief association, now covers all police officers and firefighters hired since 1980. Effective July 1, 1999, the PEPFF also covers police officers and firefighters belonging to a local relief association that elected to merge with and transfer assets and administration to PERA. B. BENEFITS PROVIDED PERA provides retirement, disability, and death benefits. Benefit provisions are established by state statute and can only be modified by the state legislature. Vested, terminated employees who are entitled to benefits but are not receiving them yet are bound by the provisions in effect at the time they last terminated their public service. 1. 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 Plan members. Members hired prior to July 1, 1989, receive the higher of Method 1 or Method 2 formulas. Only Method 2 is used for members hired after June 30, 1989. Under Method 1, the accrual rate for Coordinated Plan members is 1.2% for each of the first ten years of service and 1.7% for each additional year. Under Method 2, the accrual rate for Coordinated Plan members is 1.7% for all years of service. The accrual rates for former Minneapolis Employees Retirement Fund (MERF) members is 2.0% for each of the first 10 years of service and 2.5% for each additional year. 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. Beginning January 1, 2019, benefit recipients will receive a future annual increase equal to 50% of the Social Security Cost of Living Adjustment, not less than 1.0% and not more than 1.5%. For retirements on or after January 1, 2024, the first benefit increase is delayed until the retiree reaches Normal Retirement Age (not applicable to Rule of 90 retirees, disability benefit recipients, or survivors). A benefit recipient who has been receiving a benefit for at least 12 full months as of June 30 will receive a full increase. Members receiving benefits for at least one month but less than 12 full months as of June 30 will receive a pro rata increase. 64 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 2. PEPFF Benefits Benefits for the PEPFF members first hired after June 30, 2010, but before July 1, 2014, vest on a prorated basis from 50% after five years up to 100% after ten years of credited service. Benefits for PEPFF members first hired after June 30, 2014, vest on a prorated bases from 50% after ten years up to 100% after twenty years of credited service. The annuity accrual rate is 3% of average salary for each year of service. For PEPFF members who were first hired prior to July 1, 1989, a full annuity is available when age plus years of service equal at least 90. Beginning in 2019, the COLA will be fixed at 1%. Under funding measurements from 2017, the 2.5 % COLA trigger was never expected to occur and was subsequently removed from law. Post retirement increases are given each year except for annuitants who have been receiving a benefit for only 31 to 41 months. These annuitants will receive a prorated amount of the increase on a sliding scale. C. CONTRIBUTIONS Minnesota Statutes Chapter 353 sets the rates for employer and employee contributions. Contribution rates can only be modified by the state legislature. 1. GERF Contributions Coordinated Plan members were required to contribute 6.5% of their annual covered salary in fiscal year 2018; the City was required to contribute 7.5% for Coordinated Plan members. The City contributions to the GERF for the year ended December 31, 2018 were $96,960. The City contributions were equal to the required contributions as set by state statute. 2. PEPFF Contributions Legislation increased both employee and employer contribution rates in the Police and Fire Plan. Employee rates increased from 10.80 percent of pay to 11.30 percent and employer rates increased from 16.20 percent to 16.95 percent on January 1, 2019. On January 1, 2020 employee rates increase to 11.80 percent and employer rates increase to 17.70 percent. The City contributions to the PEPFF for the year ended December 31, 2018 were $30,990. The City contributions were equal to the required contributions as set by state statute. 65 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 D. PENSION COSTS 1. GERF Pension Costs At December 31, 2018, the City reported a liability of $1,059,590 for its proportionate share of GERF’s net pension liability. The City’s net pension liability reflected a reduction due to the State of Minnesota’s contribution of $16 million to the fund in 2018. The State of Minnesota is considered a non-employer contributing entity and the state’s contribution meets the definition of a special funding situation. The State of Minnesota’s proportionate share of the net pension liability associated with the City totaled $34,710. The net pension liability was measured as of June 30, 2018, and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The City’s proportion of the net pension liability was based on the City’s contributions received by PERA during the measurement period for employer payroll paid dates from July 1, 2017 through June 30, 2018, relative to the total employer contributions received from all of PERA’s participating employers. At June 30, 2018, the City’s proportionate share was 0.0191%, which was an increase of 0.0002% from its proportionate share measured as of June 30, 2017. Post-retirement benefit increases were changed from 1.0% per year with a provision to increase to 2.5% upon attainment of 90% funding ratio to 50% of the Social Security Cost of Living Adjustment, not less than 1.0% and not more than 1.5%, beginning January 1, 2019. For the year ended December 31, 2018, the City recognized pension expense of $89,076 for its proportionate share of the GERF’s pension expense. In addition, the City recognized an additional $8,094 as pension expense (and grant revenue) for its proportionate share of the State of Minnesota’s contribution of $16 million to the GERF. At December 31, 2018, 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 Outflows Deferred Inflows of Resources of Resources Differences between expected and actual economic experience $28,045 $31,065 Changes in actuarial assumptions 101,747 119,056 Difference between projected and actual investment earnings - 106,409 Changes in proportion 130,602 15,193 Contributions paid to PERA subsequent to the measurement date 50,023 - Total $310,417 $271,723 66 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 $50,023 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 during 2019. Other amounts reported as deferred outflows and inflows of resources related to pensions will be recognized in pension expense as follows: Year Ended Pension December 31, Expense 2019 $86,601 2020 6,215 2021 (82,031) 2022 (22,114) 2023 - Thereafter - 2. PEPFF Pension Costs At December 31, 2018, the City reported a liability of $173,741 for its proportionate share of the PEPFF’s net pension liability. The net pension liability was measured as of June 30, 2018 and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The City’s proportion of the net pension liability was based on the City’s contributions received by PERA during the measurement period for employer payroll paid dates from July 1, 2017 through June 30, 2018, relative to the total employer contributions received from all of PERA’s participating employers. At June 30, 2018, the City’s proportion was 0.0163%, which was an increase of 0.0063% from its proportion measured as of June 30, 2017. The City also recognized $1,467 for the year ended December 31, 2018 as revenue (and an offsetting reduction of net pension liability) for its proportionate share of the State of Minnesota’s on-behalf contributions to the PEPFF. Legislation passed in 2013 required the State of Minnesota to begin contributing $9 million to the PEPFF each year, starting in fiscal year 2014. Beginning in January 1, 2019, the COLA will be fixed at 1 percent. Under funding measurements from 2017, the 2.5 percent COLA trigger was never expected to occur and was subsequently removed from law. For the year ended December 31, 2018, the City recognized pension expense of $46,557 for its proportionate share of the PEPFF’s pension expense. 67 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 At December 31, 2018, the City reported its proportionate share of the PEPFF’s deferred outflows of resources and deferred inflows of resources related to pensions from the following sources: Deferred Outflows Deferred Inflows of Resources of Resources Differences between expected and actual economic experience $7,002 $48,858 Changes in actuarial assumptions 236,876 255,770 Difference between projected and actual investment earnings - 28,234 Changes in proportion 192,375 108,635 Contributions paid to PERA subsequent to the measurement date 15,027 - Total $451,280 $441,497 A total of $15,027 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 during 2019. Other amounts reported as deferred outflows and inflows of resources related to pensions will be recognized in pension expense as outflows: Year Ended Pension December 31, Expense 2019 $17,089 2020 5,745 2021 (7,952) 2022 (58,028) 2023 37,902 Thereafter - For governmental activities, the net pension liability for GERF and PEPFF will be liquidated by the General Fund. 68 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 E. ACTUARIAL ASSUMPTIONS The total pension liability in the June 30, 2018 actuarial valuation was determined using the following actuarial assumptions: GERF PEPFF Inflation 2.50% per year 2.50% per year Salary Growth 3.25% per year after 26 years of service 3.25% per year after 25 years of service Investment rate of return 7.50%7.50% The total pension liability for each of the defined benefit cost-sharing plans was determined by an actuarial valuation as of June 30, 2018, using the entry age normal actuarial cost method. Inflation is assumed to be 2.50 percent for the General Employees and Police and Fire Plans. Salary growth assumptions in the General Employees Plan decrease in annual increments from 11.25 percent after one year of service, to 3.25 percent after 26 years of service. In the Police and Fire Plan, salary growth assumptions decrease from 11.25 percent after one year of service to 3.25 percent after 25 years of service. Mortality rates for all plans are based on RP-2014 mortality tables. The tables are adjusted slightly to fit PERA’s experience. Actuarial assumptions for the General Employees Plan are reviewed every four to six years. The most recent six-year experience study for the General Employees Plan was completed in 2015. The most recent four-year expense study for the Police and Fire Plan was completed in 2016. The following changes in actuarial assumptions occurred in 2018: General Employees Fund • The mortality projection scale was changed from MP-2015 to MP-2017. • The assumed benefit increase was changed from 1.0 percent per year through 2044 and 2.50 percent per year thereafter to 1.25 percent per year. Police and Fire Fund • The mortality projection scale was changed from MP-2016 to MP-2017. 69 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 The State Board of Investment, which manages the investments of PERA, prepares an analysis of the reasonableness on a regular basis of the long-term expected rate of return using a building-block method in which best-estimate ranges of expected future rates of return are developed for each major asset class. These ranges are combined to produce an expected long-term rate of return by weighting the expected future rates of return by the target asset allocation percentages. The target allocation and best estimates of geometric real rates of return for each major asset class are summarized in the following table: Target Long-Term Expected Asset Class Allocation Real Rate of Return Domestic stocks 36%5.10% Cash 17%5.30% Bonds (Fixed Income)20%0.75% Alternative assets (Private Markets)25%5.90% Cash 2%0.00% Totals 100% F. DISCOUNT RATE The discount rate used to measure the total pension liability in 2018 was 7.5%. The projection of cash flows used to determine the discount rate assumed that contributions from plan members and employees will be made at the rate set in Minnesota statutes. Based on that assumption, the fiduciary net position of the GERF and the PEPFF was projected to be available to make all projected future benefit payments of current plan members. Therefore, the long-term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to determine the total pension liability. G. PENSION LIABILITY SENSITIVITY The following presents the City’s proportionate share of the net pension liability 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 in 1% Increase in Discount Rate (6.5%) Discount Rate (7.5%) Discount Rate (8.5%) City's proportionate share of the GERF net pension liability $1,721,969 $1,059,590 $512,815 City's proportionate share of the PEPFF net pension liability $372,512 $173,741 $9,366 70 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 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 at www.mnpera.org. I. PENSION EXPENSE Pension expense recognized by the City for the year ended December 31, 2018 is as follows: GERF $97,170 PEPFF 46,557 Fire Pension Plan (Note 8) 355,097 Total $498,824 Note 8 DEFINED BENEFIT PENSION PLAN – LAKE ELMO FIREFIGHTERS RELIEF ASSOCIATION A. PLAN DESCRIPTION The Lake Elmo Firefighters Relief Association (The Association) is the administrator of a single employer Public Employee Retirement System (PERS) establisehd to provide benefits for members of the Lake Elmo Fire Department. The plan was establised and is administered in accordance with Minnesota Statues. As of December 31, 2018, Plan participants consisted of the following: Retired members entitled to benefits, but have not received them 6 Current members: Fully vested (20 years or more)1 Partially vested (10 years to 19 years)5 Nonvested (less than 10 years)10 Total 22 B. BENEFITS PROVIDED Twenty Year Service Pension Each member who is at least 50 years of age; has retired from the Lake Elmo Fire Department; has served at least twenty (20) 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 entiteled to a pro-rated lump sum service pension in the amount of $5,850 for each completed full year of service and pro-rated monthly for fractional years of service but not exceeding the maximum amount 71 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 per year of service allowed by law for the minimum average amount of available financing per firefighter as prescribed by law. Members with 10 years of service receive partial vesting at 60% of the 20 year rate and 4% is added for every one year of service beyond ten years up to 20 years. Death Benefits Upon the death of an active or deferred member, the beneficiaries of deceased members shall be paid a death benefit depending on the number of years of service: Up to 10 years $5,000 10 years to 30 years That amount the deceased had earned as retirement benefit had she/he retired on the date of death and been fifty (50) years of age. State Supplemental Benefits Minnesota Statute 424A.10 provides for the payment of a supplemental benefit equal to ten percent of a regular lump sum distribution up to a maximum of $1,000. The supplemental benefit is in lieu of a State income tax exclusion for lump sum distributions and will no longer be available if State tax law is modified to exclude lump sum distributions from State income tax. The Association qualifies for these benefits. C. CONTRIBUTIONS Minnesota Statutue Chapter 424A.092 specifies minimum support rates requried on an annual basis. The minimum support rates from the municipality and from State Aid are determined as the amount required to meet the normal cost plus amortizing any existing prior service costs over a ten-year period. The Association is comprised of volunteers; therefore, there are no payroll expenditures (i.e., there are no covered payroll percentage calculations). Contributions totaling $65,533 were made by the State of Minnesota in accordance with State Statute requirements for the year ended December 31, 2018. D. CHANGES IN THE NET PENSION ASSET At December 31, 2018, the City reported a net pension asset of $270,407. The net pension asset was measured as of December 31, 2018. The total pension liability used to calculate the net pension asset in accordance with GASB 68 was determined by PERA applying an actuarial formula to specific census data certified by the fire department. The following table presents the changes in net pension asset during the year. 72 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 Plan Net Total Fiduciary Pension Pension Net Liability Liability Position (Asset) (a)(b)(a-b) Beginning balance December 31, 2017 $681,802 $1,279,379 ($597,577) Changes for the year: Service cost 28,420 - 28,420 Interest cost 36,119 - 36,119 Assumption changes 8,730 - 8,730 Plan Changes 325,127 - 325,127 Projected investment earnings - 68,895 (68,895) Contributions - State of MN - 65,533 (65,533) Asset (gain) / loss (80,312) (130,122)49,810 Benefit payments (100,987) (100,987) - Administrative expenses - (13,392)13,392 Net changes 217,097 (110,073)327,170 Balance end of year December 31, 2018 $898,899 $1,169,306 ($270,407) During 2018, the benefit level increased from $3,400 to $5,850 for each year of service. For the year ended December 31, 2018, the City recognized pension expense of $355,097. At December 31, 2018, the City reported deferred outflows and inflows of resources from the following sources: Deferred Outflows Deferred Inflows of Resources of Resources Difference between projected and actual investment earnings $64,479 $ - Assumption changes 15,943 - Liability gains - 103,868 Total $80,422 $103,868 73 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 Amounts reported as deferred outflows and inflows of resources related to pensions will be recognized in pension expense as follows: Year Ended Pension December 31, Expense 2019 $15,758 2020 (6,895) 2021 (4,689) 2022 14,602 2023 (11,425) Thereafter (30,797) E. ACTUARIAL ASSUMPTIONS The total pension asset was determined by an acturial valuation as of December 31, 2018 using the following actuarial assumptions, applied to all periods in the measurement: Valuation date 1/1/2019 Measurement date (assets and funded status)12/31/2018 Actuarial cost method Entry age normal Amortization method Level dollar amount Closed 5 year period Asset valuation method Market value Actuarial assumptions: Investment rate of return 5.25% 20-year municipal bond yield 3.50% Projected salary increases 2.50% Includes inflation at N/A Cost-of-living adjustments 4.00% Age of service retirement 50 Post retirement benefit increase N/A Mortality Due to a small sample size, assumed no pre-retirement mortality. Post-retirement morality does not apply as the benefit structure and form of payment do not reflect lifetime benefits. The expected investment return and discount rate for 2018 is 5.25%, a decrease of .25% from 2017. The long-term expected rate of return on pension plan investments were determined using a building- block method in which best-estimates of expected future real rates of return (expected returns, net of pension plan investment expense and inflation) are developed for each major asset class. These asset class estimates are combined to produce the portfolio long-term expected rate of return by weighting the expected future real rates of return by the current asset allocation percentage (or target allocation, if 74 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 available) and by adding expected inflation. All results are then rounded to the nearest quarter percentage point. The best-estimate of expeted future real rates of return were developed by aggregating data from several published capital market assumption surveys and deriving a single best-estimate based on the average survey values. These capital market assumptions reflect both historical market experience as well as deverse views regarding anticipated future returns. The expected inflation assumptions was developed based on an analysis of historical experience blended with forward-looking expectations available in market data. Best estimates of geometric real and nominal rates of return for each major asset class included in the pension plan’s asset allocation as of the measurement date are summarized in the following table: Portfolio Expected Asset Class Weight Class Return Cash 20.00%2.25% Fixed income 25.00%3.40% Equities 55.00%7.40% Other 0.00%6.00% Total (weighted avg, rounded to 1/4%)100.00%5.25% F. DISCOUNT RATE The discount rate used to measure the total pension liability was 5.25%, a decrease of .25% from the rate used in 2017. The liability discount rate was developed using the alternative method described in paragraph 43 of GASB 67, which states that “if the evaluations required by paragraph 41 can be made with sufficient reliability without a separate projection of cash flows into and out of the pension plan, alternative methods may be applied in making the evaluations.” The determination of the discount rate assumed that the plan’s current overfunded status, combined with Minnesota statutory funding requirements, provide sufficient reliability that projected plan assets will be adequate to pay future retiree benefits. Therefore, the plan’s long-term expected return on plan investments was applied to all periods of projected benefit payments to determine the total pension liability. G. PENSION LIABILITY (ASSET) SENSITIVITY The following presents the City’s net pension asset for the plan, calculated using the discount rate disclosed in the preceding paragraph, as well as what the City’s net pension asset would be if it were calculated using a discount rate 1% lower or 1% higher than the current discount rate: 1% Decrease in 1% Increase in Discount Rate (4.25%) Discount Rate (5.25%) Discount Rate (6.25%) Net pension asset ($234,452)($270,407)($304,685) 75 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 H. PENSION PLAN FIDUCIARY NET POSITION Detailed information about the Association plan’s fiduciary net position at December 31, 2018 is available in a separately-issued financial report that includes financial statements and required supplementary information. That report may be obtained by contacting the Finance Director for the City of Lake Elmo. Note 9 POST-EMPLOYMENT BENEFITS OTHER THAN PENSIONS (OPEB) For the year ended December 31, 2018, the City implemented GASB Statement No. 75, Accounting and Financial Reporting for Postemployment Benefits Other Than Pensions. GASB Statement No. 75 established new accounting and financial reporting requirements for governments whose employees are provided OPEB. Net position has been restated as a result of the change in accounting principle. A. PLAN DESCRIPTION In addition to providing the pension benefits described in Note 7 and 8, the City provides post- employment health care benefits, as defined in paragraph B, through its group health insurance plan (the plan). The plan is a single-employer defined benefit OPEB plan administered by the City. The authority to provide these benefits is established in Minnesota Statutes Sections 471.61 Subd. 2a and 299A.465. The benefits, benefit levels, employee contributions and employer contributions are governed by the City and can be amended by the City through its personnel manual and collective bargaining agreements with employee groups. No assets are accumulated in a trust that meets the criteria in paragraph 4 of GASB Statement No. 75. B. BENEFITS PROVIDED At retirement, employees of the City receiving a retirement or disability benefit, or eligible to receive a benefit, from a Minnesota public pension plan may continue to participate in the City’s group insurance plan. Vesting requirements of three years if hired before July 1, 2010 or five years if hired on or after July 1, 2010 generally apply. All health care coverage is provided through the City’s group health insurance plans. The retiree is required to pay 100% of their premium cost for the City-sponsored group health insurance plan in which they participate. The premium is a blended rate determined on the entire active and retiree population. Since the projected claims costs for retirees exceed the blended premium paid by retirees, the retirees are receiving an implicit rate subsidy (benefit). The coverage levels are the same as those afforded to active employees. Upon a retiree reaching age 65, Medicare becomes the primary insurer and the City’s plan becomes secondary. 76 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 C. PARTICIPANTS As of the December 31, 2017 actuarial valuation, participants of the plan consisted of: Active employees 17 Inactive employees or beneficiaries currently receiving benefits 1 Total 18 D. TOTAL OPEB LIABILITY AND CHANGES IN TOTAL OPEB LIABILITY The City’s total OPEB liability of $63,930 was measured as of December 31, 2017, and was determined by an actuarial valuation as of that date. Changes in the total OPEB liability during 2018 were: Balance - beginning of year $51,220 Changes for the year: Service cost 8,200 Interest 2,264 Changes of benefit terms - Differences between expected and actual experience - Changes in assumptions 2,246 Benefit payments - Net changes 12,710 Balance - end of year $63,930 For governmental activities, the OPEB liability is liquidated by the General Fund. E. ACTUARIAL ASSUMPTIONS AND OTHER INPUTS All costs and liabilities under the plan were determined in accordance with the Alternative Measurement Method prescribed by GASB Statement No. 75 for employers with under 100 plan participants. The total OPEB liability in the December 31, 2017 actuarial valuation was determined using the following actuarial assumptions and other inputs, applied to all periods included in the measurement, unless otherwise specified: Inflation 2.75% Salary increases 2.75% Discount rate 3.31% Investment rate of return 3.31% Healthcare cost trend rates 6.90% for 2018; 6.30% for 2019; 5.80% for 2020; 5.20% for 2021-2054; transition to ultimate rate of 4.40% for 2074 Since the plan is funded on a pay-as-you-go basis, both the discount rate and the investment rate of return was based on the Fidelity 20 year Municipal GO AA Index as of December 31, 2017. 77 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 Mortality rates were based on the RP-2014 mortality tables with projected mortality improvements based on scale MP-2018, and other adjustments. 40% of the employees currently electing coverage are assumed to elect coverage in the same plan and coverage level at retirement, continue coverage to age 65 and then waive coverage. Employees currently waiving coverage are assumed to waive coverage at retirement. Retirement age is assumed to be the latest of age 62, plan eligibility or current age. For retirees, actual disability status was used. 100% of current and future retirees under age 65 are assumed to become Medicare eligible at the later of age 65 or retirement. Actual Medicare status was used for retired members. F. SENSITIVITY OF THE TOTAL OPEB LIABILITY TO CHANGES IN THE DISCOUNT RATE The following presents the total OPEB liability of the City, as well as what the City’s total OPEB liability would be if it were calculated using a discount rate that is 1% lower (2.31%) or 1% higher (4.31%) than the current discount rate: 1% Decrease Discount Rate 1% Increase (2.31%) (3.31%) (4.31%) Total OPEB liability $68,698 $63,930 $59,529 G. SENSITIVITY OF THE TOTAL OPEB LIABILITY TO CHANGES IN THE HEALTHCARE COST TREND RATES The following presents the total OPEB liability of the City, as well as what the City’s total OPEB liability would be if it were calculated using healthcare cost trend rates that are 1% lower (5.9% decreasing to 3.4%) or 1% higher (7.9% decreasing to 5.4%) than the current healthcare cost trend rates: Healthcare Cost 1% Decrease Trend Rates 1% Increase (5.9% decreasing to 3.4%) (6.9% decreasing to 4.4%) (7.9% decreasing to 5.4%) Total OPEB liability $57,810 $63,930 $71,318 H. OPEB EXPENSE AND DEFERRED OUTFLOWS AND INFLOWS OF RESOURCES RELATED TO OPEB For the year ended December 31, 2018, the City recognized $12,710 of OPEB expense. In accordance with the Alternative Measurement Method, gains and losses due to experience and assumption changes are recognized immediately. In addition, there were no contributions between the measurement date and reporting date because the City has no retirees and no active employees who 78 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 were expected to retire during 2018. Therefore, there are no deferred outflows or inflows of resources related to OPEB as of December 31, 2018. Note 10 STEWARDSHIP, COMPLIANCE AND ACCOUNTABILITY A. DEFICIT FUND BALANCES The City has deficit fund balances at December 31, 2018 as follows: Fund Balance Deficit Major Governmental Funds: Old Village Phase 4 ($1,037,202) 2018 Street Improvements (1,113,893) Nonmajor Governmental Funds: State Highway 36 Corridor Plan (3,620) Village Project (379,053) CSAH 15/CSAH 14 Realignment (503,794) 2019 Street and Utility Project (5,731) CSAH 13 Phase 2 (330) 2012B GO Improvement Bonds The City intends to fund these deficits during 2019 with bond proceeds, MSA revenue, and transfers from the General Fund. B. EXPENDITURES IN EXCESS OF BUDGET The following is a listing of departments within the General Fund that exceeded budget appropriations: Final Budget Actual Overage General government: Finance and administration $715,343 $730,652 $15,309 Communications 87,120 90,987 3,867 Public safety: Police 665,675 667,109 1,434 Fire protection 617,444 626,163 8,719 Animal control 7,725 10,930 3,205 79 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 Note 11 DUE FROM AND DUE TO OTHER FUNDS Interfund payables and receivables are representative of lending/borrowing arrangements to cover deficit cash balances at year-end. All balances are expected to be eliminated within one year. A summary of due from and due to balances at December 31, 2018 is as follows: Due from other Due to other Funds Funds Major Funds: General Fund $2,467,979 $ - Debt Service Fund - 22,548 Old Village Phase 4 - 999,706 2018 Street Improvements - 1,067,611 Nonmajor Funds: State Highway 36 Corridor Plan - 10,338 Infrastructure Reserve 16,399 - Village Project - 378,114 2019 Street and Utility Project - 5,731 CSAH 13 Phase 2 - 330 $2,484,378 $2,484,378 Note 12 INTERFUND TRANSFERS Individual fund transfers for fiscal year 2018 are as follows: Transfer In Transfer Out Major Funds: General Fund $ - $143,046 Debt Service Fund 1,317 30,144 Vehicle Acquisition 29,667 - Water Fund - 840 Nonmajor funds: Economic Development Authority 25,225 - Radio Replacement internal service fund 41,740 - FFE Replacement internal service fund 76,081 - Total $174,030 $174,030 During 2018, transfers were made to close funds and to provide financing for capital purchases. A transfer was also made to provide resources to the Economic Development Authority. These transfers are routine and consistent with past practices. 80 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 Note 13 FUND BALANCE At December 31, 2018, a summary of the governmental fund balance classifications is as follows: Other Vehicle Old Village 2018 Street Governmental General Debt Service Acquistion Phase 4 Improvements Funds Total Nonspendable: Prepaid items $18,951 $ - $ - $ - $ - $395 $19,346 Restricted: Debt Service - 4,452,153 - - - 22,803 4,474,956 Vehicle acquisition - - 806,427 - - - 806,427 Park improvements - - - - - 851,785 851,785 Total restricted 0 4,452,153 806,427 0 0 874,588 6,133,168 Committed for: Economic development - - - - - 10,815 10,815 Lions Park - - - - - 188 188 Total committed - - - - - 11,003 11,003 Assigned for: Lions Park - - - - - 30 30 Infrastructure improvements - - - - - 991,412 991,412 City facilities - - - - - 92,581 92,581 Economic development - - - - - 25,249 25,249 Vehicle acquistion - - 89,637 - - - 89,637 Total assigned 0 0 89,637 0 0 1,109,272 1,198,909 Unassigned 4,756,695 - - (1,037,202) (1,113,893) (892,528) 1,713,072 Total fund balance $4,775,646 $4,452,153 $896,064 ($1,037,202) ($1,113,893) $1,102,730 $9,075,498 The City Council has formally adopted a fund balance policy for the General Fund. The City’s policy is to maintain unassigned fund balance in the General Fund with a target floor of 50-60% of the subsequent budgeted fiscal year expenditures. 81 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 Note 14 COMMITMENTS AND CONTINGENCIES A. LITIGATION Existing and pending lawsuits, claims and other actions in which the City is a defendant are either covered by insurance, of an immaterial amount, or, in the judgment of the City’s management, remotely recoverable by plaintiffs. B. FEDERAL AND STATE FUNDS The City receives financial assistance from federal and state governmental agencies in the form of grants. The disbursement of funds received under these programs generally requires compliance with the terms and conditions specified in the grant agreements and is subject to audit by the grantor agencies. Any disallowed claims resulting from such audits could become a liability of the applicable fund. However, in the opinion of management, any such disallowed claims will not have a material effect on any of the financial statements of the individual fund types included herein or on the overall financial position of the City at December 31, 2018. C. COMMITTED CONTRACTS At December 31, 2018, the City had commitments of $1,364,199 for uncompleted construction contracts. In addition, the City has entered into construction contracts totaling approximately $3,929,000 during 2019. Note 15 RISK MANAGEMENT The City is exposed to various risks of loss related to torts; theft of, damage to and destruction of assets, errors and omissions, injuries to employees and natural disasters. Workers compensation coverage is provided through a pooled self-insurance program through the League of Minnesota Cities Insurance Trust (LMCIT). The City pays an annual premium to LMCIT. The City is subject to supplemental assessments if deemed necessary by the LMCIT. The LMCIT reinsures through Workers Compensation Reinsurance Association (WCRA) as required by law. For workers compensation, the City is not subject to a deductible. The City’s workers compensation coverage is retrospectively rated. With this type of coverage, final premiums are determined after loss experience is known. The amount of premium adjustment, if any, is considered immaterial and not recorded until received or paid. Property and casualty insurance is provided through a pooled self-insurance program through the LMCIT. The City pays an annual premium to the LMCIT. The City is subject to supplemental assessments if deemed necessary by the LMCIT. The LMCIT reinsures through commercial companies for claims in excess of various amounts. The City retains risk for the deductible portion of the insurance policies and for any exclusions from the insurance policies. These amounts are considered immaterial to the financial statements. The City continues to carry commercial insurance for all other risks of loss, including disability and employee health insurance. There were no significant reductions in insurance from the previous year or settlements in excess of insurance coverage for any of the past three fiscal years. 82 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 Note 16 RECENTLY ISSUED ACCOUNTING STANDARDS The Governmental Accounting Standards Boards (GASB) recently approved the following statements which were not implemented for these financial statements: Statement No. 83 Certain Asset Retirement Obligations. The provisions of this Statement are effective for reporting periods beginning after June 15, 2018. Statement No. 84 Fiduciary Activities. The provisions of this Statement are effective for reporting periods beginning after December 15, 2018. Statement No. 87 Leases. The provisions of this Statement are effective for reporting periods beginning after December 15, 2019. Statement No. 88 Certain Disclosures Related to Debt, including Direct Borrowings and Direct Placements. The provisions of this Statement are effective for reporting periods beginning after June 15, 2018. Statement No. 89 Accounting for Interest Cost Incurred before the End of a Construction Period. The provisions of this Statement are effective for reporting periods beginning after December 15, 2019. Statement No. 90 Majority Equity Interests. The provisions of this Statement are effective for reporting periods beginning after December 15, 2018. Statement No. 91 Conduit Debt Obligations. The provisions of this Statement are effective for reporting periods beginning after December 15, 2020. The effect these standards may have on future financial statements is not determinable at this time, but it is expected that Statement No. 87 may have a material impact. Note 17 PRIOR PERIOD ADJUSTMENTS For the year ended December 31, 2018, the City implemented GASB Statement No. 75, Accounting and Financial Reporting for Postemployment Benefits Other Than Pensions. GASB Statement No. 75 established new accounting and financial reporting requirements for governments whose employees are provided OPEB. See Note 9 for further information. The standard required retroactive implementation which resulted in a restatement of net position, as shown in the table below. The City has also reported several additional prior period adjustments due to correction of errors. The primary causes were incorrect fair market value adjustments, overstated utility accounts receivable, understated allowance for an assessment appeal, mis-allocation of capital expenditures, miscellaneous over/under accruals, recognition of a developer reimbursement as revenue, and adjustments to correct unamortized bond premiums, discounts, and issuance costs. 83 CITY OF LAKE ELMO, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2018 Details of the prior period adjustments are as follows: 2018 Other Governmental General Debt Vehicle Street Gov't Activities Fund Service Acquisition Improvements Funds Net position / fund balance, as previously reported $18,595,421 $4,109,326 $3,224,987 $31,840 $8,122 $885,542 Prior period adjustments: Cash and investments 712,365 65,200 10,129 215 28 636,793 Accounts payable (11,982) - - - - (11,982) Due to other governmental units 395,000 - - - - 395,000 Salaries and benefits payable (6,728) (6,728) - - - - Capital assets - net (444,951) - - - - - Deferred outflows of resources (22,427) - - - - - Contracts payable 25,875 25,875 - - - - Other postemployment benefits 163,451 - - - - - Unamortized bond premium (13,017) - - - - - Unamortized bond discounts (78,898) - - - - - Total prior period adjustments 718,688 84,347 10,129 215 28 1,019,811 Net position / fund balance, as restated $19,314,109 $4,193,673 $3,235,116 $32,055 $8,150 $1,905,353 Business-type Storm Activities Water Sewer Sewer Net position, as previously reported $24,004,646 $14,108,157 $8,297,958 $1,598,531 Prior period adjustments: Cash and investments (604,466) 981,267 (527,871) (1,057,862) Accounts receivable (300,584) (326,666)(2) 26,084 Special assessments receivable (132,082) (859) (131,368) 145 Capital assets - net 855,578 (824,069) 573,975 1,105,672 Deferred outflows of resources (43,988) (43,988) - - Accounts payable 11,476 2,900 - 8,576 Salaries and benefits payable (1,776) (888) (444) (444) Other postemployment benefits 22,883 13,145 3,100 6,638 Unamortized bond premium (37,330) (9,347) (27,983) - Unamortized bond discounts (103,422) (63,230) (25,731) (14,461) Total prior period adjustments (333,711) (271,735) (136,324) 74,348 Net position, as restated $23,670,935 $13,836,422 $8,161,634 $1,672,879 Note 18 SUBSEQUENT EVENTS On May 21, 2019, the City and 3M Company, Inc (3M) reached an agreement to settle a lawsuit over groundwater contamination. As part of the settlement, the City will accept $2.7 million to be deposited into its Water Fund. 3M will also transfer ownership of 180 acres of farmland valued at approximately $1.8 million to the City.  84 REQUIRED SUPPLEMENTARY INFORMATION 85 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION Statement 11 BUDGETARY COMPARISON SCHEDULE - GENERAL FUND Page 1 of 4 For The Year Ended December 31, 2018 Budgeted Amounts 2018 Actual Amounts Variance with Final Budget - Positive (Negative) Original Final Revenues: General property taxes $2,382,813 $2,382,813 $2,396,720 $13,907 Licenses and permits: Business 9,400 9,400 17,650 8,250 Non-business 985,000 985,000 1,299,998 314,998 Total licenses and permits 994,400 994,400 1,317,648 323,248 Intergovernmental: MSA - maintenance 135,561 135,561 144,502 8,941 Fire state aid 47,000 47,000 64,533 17,533 Other state aid 7,569 7,569 19,660 12,091 County and local 15,766 15,766 4,190 (11,576) Total intergovernmental 205,896 205,896 232,885 26,989 Charges for services 643,725 643,725 821,235 177,510 Fines and forfeits 49,000 49,000 49,203 203 Special assessments - - 21,116 21,116 Investment income 40,000 40,000 78,634 38,634 Miscellaneous 160,900 160,900 117,455 (43,445) Total revenues 4,476,734 4,476,734 5,034,896 558,162 86 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION Statement 11 BUDGETARY COMPARISON SCHEDULE - GENERAL FUND Page 2 of 4 For The Year Ended December 31, 2018 Budgeted Amounts 2018 Actual Amounts Variance with Final Budget - Positive (Negative) Original Final Expenditures: General government: Mayor and city council: Current: Personal services $27,854 $27,854 $27,893 ($39) Supplies 330 330 1,000 (670) Other services and charges 20,220 20,220 18,268 1,952 Total mayor and city council 48,404 48,404 47,161 1,243 Finance and Administration: Current: Personal services 328,355 328,355 398,435 (70,080) Supplies 106,360 106,360 142,482 (36,122) Other services and charges 280,628 280,628 189,735 90,893 Total finance and administration 715,343 715,343 730,652 (15,309) Elections: Current: Personal services 7,500 7,500 6,397 1,103 Other services and charges 2,660 2,660 2,354 306 Total elections 10,160 10,160 8,751 1,409 Communications: Current: Personal services 40,620 40,620 39,126 1,494 Other services and charges 46,500 46,500 51,861 (5,361) Total communications 87,120 87,120 90,987 (3,867) City Facilities: Current: Supplies 800 800 801 (1) Other services and charges 67,353 67,353 43,695 23,658 Total city facilities 68,153 68,153 44,496 23,657 Engineering: Current: Other services and charges 36,216 36,216 31,770 4,446 Planning and Zoning: Current: Personal services 203,930 203,930 184,984 18,946 Supplies 800 800 752 48 Other services and charges 66,840 66,840 68,592 (1,752) Total planning and zoning 271,570 271,570 254,328 17,242 Total general government 1,236,966 1,236,966 1,208,145 28,821 87 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION Statement 11 BUDGETARY COMPARISON SCHEDULE - GENERAL FUND Page 3 of 4 For The Year Ended December 31, 2018 Budgeted Amounts 2018 Actual Amounts Variance with Final Budget - Positive (Negative) Original Final Expenditures (continued): Public safety: Police: Current: Contracted services $664,675 $664,675 $665,309 ($634) Other services and charges 1,000 1,000 1,800 (800) Total public safety 665,675 665,675 667,109 (1,434) Fire protection: Current: Personnel services 401,803 401,803 368,849 32,954 Fire state aid 47,000 47,000 64,533 (17,533) Supplies 35,375 35,375 42,741 (7,366) Other services and charges 133,266 133,266 150,040 (16,774) Total fire protection 617,444 617,444 626,163 (8,719) Building inspection: Current: Personnel services 369,228 369,228 276,737 92,491 Supplies 5,700 5,700 3,706 1,994 Other services and charges 20,570 20,570 16,450 4,120 Capital outlay 24,000 24,000 - 24,000 Total building inspection 419,498 419,498 296,893 122,605 Animal control: Current: Other services and charges 7,725 7,725 10,930 (3,205) Prosecution: Current: Other services and charges 44,996 44,996 42,164 2,832 Emergency communications: Current: Other services and charges 1,780 1,780 900 880 Total public safety 1,757,118 1,757,118 1,644,159 112,959 88 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION Statement 11 BUDGETARY COMPARISON SCHEDULE - GENERAL FUND Page 4 of 4 For The Year Ended December 31, 2018 Budgeted Amounts 2018 Actual Amounts Variance with Final Budget - Positive (Negative) Original Final Expenditures (continued): Public works: Current: Personnel services $467,620 $467,620 $518,636 ($51,016) Supplies 579,850 579,850 376,186 203,664 Other services and charges 208,300 208,300 245,856 (37,556) Capital outlay 145,000 145,000 57,443 87,557 Total public works 1,400,770 1,400,770 1,198,121 202,649 Culture and Recreation: Parks: Current: Personnel services 170,380 170,380 113,248 57,132 Supplies 13,800 13,800 8,702 5,098 Other services and charges 66,700 66,700 116,499 (49,799) Capital outlay 25,000 25,000 21,003 3,997 Total culture and recreation 275,880 275,880 259,452 16,428 Total expenditures 4,670,734 4,670,734 4,309,877 360,857 Revenue over (under) expenditures (194,000) (194,000) 725,019 (919,019) Other financing (uses): Transfers out - - (143,046) 143,046 Net change in fund balance ($194,000) ($194,000) 581,973 ($775,973) Fund balance, January 1, as previously reported 4,109,326 Prior period adjustment - Note 17 84,347 Fund balance, January 1, as restated 4,193,673 Fund balance, December 31 $4,775,646 89 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION Statement 12 SCHEDULE OF CHANGES IN THE TOTAL OPEB LIABILITY AND RELATED RATIOS For The Last Ten Years 2018 Total OPEB liability: Service cost $8,200 Interest 2,264 Changes of benefit terms - Differences between expected and actual experience - Changes in assumptions 2,246 Benefit payments - Net change in total OPEB liability 12,710 Total OPEB liability - beginning 51,220 Total OPEB liability - ending $63,930 Covered-employee payroll $1,483,782 Total OPEB liability as a percentage of covered-employee payroll 4.3% The schedule is provided prospectively beginning with the City's fiscal year ended December 31, 2018 and is intended to show a ten year trend. Additional years will be added as they become available. 90 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION Statement 13 SCHEDULE OF PROPORTIONATE SHARE OF NET PENSION LIABILITY - GENERAL EMPLOYEES RETIREMENT FUND For The Last Ten Years City's Proportionate State's Share of the Net City's City's City's Proportionate Pension Liability and Proportionate Proportionate Proportionate Share (Amount) the State's Share of the Net Plan Fiduciary Share Share (Amount) of the Net Proportionate Share of Pension Liability Net Position as a Measurement Fiscal Year (Percentage) of of the Net Pension Liability the Net Pension as a Percentage Percentage of the Date Ending the Net Pension Pension Associated with Liability Associated Covered of its Covered Total Pension June 30, December 31, Liability Liability (a) City (b) with City (a+b) Payroll (c) Payroll ((a+b)/c) Liability 2014 2014 0.0191%$897,222 $ - $897,222 $979,703 91.6%78.2% 2015 2015 0.0169%875,846 - 875,846 975,250 89.8%78.2% 2016 2016 0.0159%1,291,001 16,853 1,307,854 1,041,540 125.6%68.9% 2017 2017 0.0189%1,206,564 15,173 1,221,737 1,209,466 101.0%75.9% 2018 2018 0.0191%1,059,590 34,710 1,094,300 1,283,088 85.3%79.5% The schedule is provided prospectively beginning with the City's fiscal year ended December 31, 2014 and is intended to show a ten year trend. Additional years will be reported as they become available. 91 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION Statement 14 SCHEDULE OF PENSION CONTRIBUTIONS - GENERAL EMPLOYEES RETIREMENT FUND For The Last Ten Years Statutorily Contributions in Contribution Contributions as a Fiscal Year Required Relation to the Deficiency Covered Percentage of Ending Contribution Statutorily Required (Excess)Payroll Covered December 31,(a)Contribution (b) (a-b)(c)Payroll (b/c) 2014 $73,182 $73,182 $ - $1,009,407 7.25% 2015 70,582 70,582 - 941,092 7.5% 2016 85,649 85,649 - 1,141,987 7.5% 2017 95,794 95,794 - 1,276,944 7.5% 2018 96,960 96,960 - 1,294,100 7.5% The schedule is provided prospectively beginning with the City's fiscal year ended December 31, 2014 and is intended to show a ten year trend. Additional years will be reported as they become available. 92 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION Statement 15 SCHEDULE OF PROPORTIONATE SHARE OF NET PENSION LIABILITY - PUBLIC EMPLOYEES POLICE AND FIRE FUND For The Last Ten Years Proportionate Share Proportionate of the Net Pension Plan Fiduciary Proportion Share (Amount) Liability as a Net Position as Measurement Fiscal Year (Percentage) of of the Net Percentage of its a Percentage Date Ending the Net Pension Pension Covered Covered of the Total June 30, December 31, Liability Liability (a) Payroll (b) Payroll (a/b) Pension Liability 2014 2014 0.0090%$97,204 $84,098 115.6%87.1% 2015 2015 0.0090%102,261 86,600 118.1%86.6% 2016 2016 0.0090%361,186 87,111 414.6%63.9% 2017 2017 0.0100%135,012 105,846 127.6%85.4% 2018 2018 0.0163%173,741 172,287 100.8%88.8% The schedule is provided prospectively beginning with the City's fiscal year ended December 31, 2014 and is intended to show a ten year trend. Additional years will be reported as they become available. 93 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION Statement 16 SCHEDULE OF PENSION CONTRIBUTIONS - PUBLIC EMPLOYEES POLICE AND FIRE FUND For The Last Ten Years Statutorily Contributions in Contribution Contributions as a Fiscal Year Required Relation to the Deficiency Covered Percentage of Ending Contribution Statutorily Required (Excess) Payroll Covered December 31, (a) Contribution (b) (a-b) (c) Payroll (b/c) 2014 $13,035 $13,035 - $85,195 15.3% 2015 14,257 14,257 - 88,005 16.2% 2016 13,967 13,967 - 86,216 16.2% 2017 20,327 20,327 - 125,475 16.2% 2018 30,990 30,990 - 191,406 16.2% The schedule is provided prospectively beginning with the City's fiscal year ended December 31, 2015 and is intended to show a ten year trend. Additional years will be reported as they become available. 94 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION Statement 17 SCHEDULE OF CHANGES IN THE NET PENSION LIABILITY AND RELATED RATIOS - LAKE ELMO FIREFIGHTERS RELIEF ASSOCIATION For The Last Ten Years Fiscal year ending and measurement date December 31, 2018 December 31, 2017 December 31, 2016 December 31, 2015 Total pension liability: Service cost $28,420 $27,727 $27,579 $28,520 Interest 36,119 35,544 36,976 37,130 Changes of assumptions 8,730 - 11,690 - Plan changes 325,127 - - - Gain or loss (80,312) - (46,403) - Benefit payment (100,987) - - (191,582) Net change in total pension liability 217,097 63,271 29,842 (125,932) Total pension liability - beginning 681,802 618,531 588,689 714,621 Total pension liability - ending (a)$898,899 $681,802 $618,531 $588,689 Plan fiduciary net position: Contributions - State of Minnesota $65,533 $61,147 $59,136 $61,166 Net investment income (61,227) 156,879 70,101 (48,240) Benefit payments (100,987) - - (191,582) Administrative expense (13,392) (14,093) (17,419) (13,314) Net change in plan fiduciary net position (110,073) 203,933 111,818 (191,970) Plan fiduciary net position - beginning 1,279,379 1,075,446 963,628 1,155,598 Plan fiduciary net position - ending (b)$1,169,306 $1,279,379 $1,075,446 $963,628 Net pension liability/(asset) - ending (a) - (b)($270,407) ($597,577) ($456,915) ($374,939) Plan fiduciary net position as a percentage of the total pension liability 130.1%187.6%173.9%163.7% Covered payroll*N/A N/A N/A N/A Net pension liability as a percentage of covered employee payroll N/A N/A N/A N/A *The Relief Association is comprised of volunteers, therefore, there are no payroll expenditures. (i.e., there are no covered payroll amounts or percentage calculations.) 95 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION Statement 18 SCHEDULE OF CONTRIBUTIONS - LAKE ELMO FIREFIGHTERS RELIEF ASSOCIATION For The Last Ten Years Statutorily Contributions in Contribution Contributions as a Fiscal Year Required Relation to the Deficiency Covered Percentage of Ending Contribution Statutorily Required (Excess)Payroll*Covered* December 31,(a)Contribution (b)(a-b)(c)Payroll (b/c) 2015 $ - $61,166 ($61,166) N/A N/A 2016 - 59,136 (59,136) N/A N/A 2017 - 61,147 (61,147) N/A N/A 2018 - 65,533 (65,533) N/A N/A *The Relief Association is comprised of volunteers, therefore, there are no payroll expenditures. (i.e., there are no covered payroll amounts or percentage calculations.) 96 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION NOTES TO RSI December 31, 2018 Note A LEGAL COMPLIANCE – BUDGETS The General Fund budget is legally adopted on a basis consistent with accounting principles generally accepted in the United States of America. The legal level of budgetary control is at the department level for the General Fund. Note B OPEB INFORMATION No assets are accumulated in a trust that meets the criteria in paragraph 4 of GASB Statement No. 75 to pay related benefits. There are no factors that affect trends in the amounts reported, such as changes of benefit terms or assumptions. Note C PENSION INFORMATION PERA – General Employees Retirement Fund 2018 Changes Changes in Actuarial Assumptions:  The mortality projection scale was changed from MP-2015 to MP-2017.  The assumed benefit increase was changed from 1.0 percent per year through 2044 and 2.50 percent per year thereafter to 1.25 percent per year. 2017 Changes Changes in Actuarial Assumptions:  The Combined Service Annuity (CSA) loads were changed from 0.8 percent for active members and 60 percent for vested and non-vested deferred members. The revised CSA loads are now 0.0 percent for active member liability, 15.0 percent for vested deferred member liability and 3.0 percent for non-vested deferred member liability.  The assumed post-retirement benefit increase rate was changed from 1.0 percent per year for all years to 1.0 percent per year through 2044 and 2.5 percent per year thereafter. 2016 Changes Changes in Actuarial Assumptions:  The assumed post-retirement benefit increase rate was changed from 1.0% per year through 2035 and 2.5% per year thereafter to 1.0% per year for all future years.  The assumed investment return was changed from 7.9% to 7.5%. The single discount rate was changed from 7.9% to 7.5%.  Other assumptions were changed pursuant to the experience study dated June 30, 2015. The assumed future salary increases, payroll growth, and inflation were decreased by 0.25% to 3.25% for payroll growth and 2.50% for inflation. 97 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION NOTES TO RSI December 31, 2018 PERA – Public Employees Police and Fire Fund 2018 Changes Changes in Actuarial Assumptions:  The mortality projection scale was changed from MP-2016 to MP-2017. 2017 Changes Changes in Actuarial Assumptions:  The single discount rate was changed from 5.6% to 7.5%.  Assumed salary increases were changed as recommended in the June 30, 2016 experience study. The net effect is proposed rates that average 0.34 percent lower than the previous rates.  Assumed rates of retirement were changed, resulting in fewer retirements.  The Combined Service Annuity (CSA) load was 30 percent for vested and non-vested deferred members. The CSA has been changed to 33 percent for vested members and 2 percent for non- vested members.  The base mortality table for healthy annuitants was changed from the RP-2000 fully generational table to the RP-2014 fully generational table (with a base year of 2006), with male rates adjusted by a factor of 0.96. The mortality improvement scale was changed from Scale AA to Scale MP- 2016. The base mortality table for disabled annuitants was changed from the RP-2000 disabled mortality table to the mortality tables assumed for healthy retirees.  Assumed termination rates were decreased to 3.0 percent for the first three years of service. Rates beyond the select period of three years were adjusted, resulting in more expected terminations overall.  Assumed percentage of married female members was decreased from 65 percent to 60 percent.  Assumed age difference was changed from separate assumptions for male members (wives assumed to be three years younger) and female members (husbands assumed to be four years older) to the assumption that males are two years older than females.  The assumed percentage of female members electing Joint and Survivor annuities was increased.  The assumed post-retirement benefit increase rate was changed from 1.00 percent for all years to 1.00 percent per year through 2064 and 2.50 percent thereafter. 2016 Changes Changes in Actuarial Assumptions:  The assumed post-retirement benefit increase rate was changed from 1.0% per year through 2037 and 2.5% per year thereafter to 1.0% per year for all future years.  The assumed investment return was changed from 7.9% to 7.5%. The single discount rate changed from 7.9% to 5.6%.  The assumed future salary increases, payroll growth, and inflation were decreased by 0.25% to 3.25% for payroll growth and 2.50% for inflation. 98 CITY OF LAKE ELMO, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION NOTES TO RSI December 31, 2018 Single Employer – Fire Division 2018 Changes Changes in Benefit Terms:  The benefit level increased from $3,400 to $5,850 for each year of service. 99 - This page intentionally left blank - 100 COMBINING AND INDIVIDUAL NONMAJOR FUND FINANCIAL STATEMENTS 101 CITY OFLAKE ELMO, MINNESOTA COMBINING BALANCE SHEET Statement 19 NONMAJOR GOVERNMENTAL FUNDS December 31, 2018 Total Nonmajor Special Capital Governmental Revenue Project Funds Assets Cash and investments $60,648 $2,341,003 $2,401,651 Accrued interest receivable 138 (1,927)(1,789) Due from other governmental units 6,718 - 6,718 Prepaid items 395 - 395 Due from other funds - 16,399 16,399 Special assessments receivable: Deferred - 17,833 17,833 Total assets $67,899 $2,373,308 $2,441,207 Liabilities, Deferred Inflows of Resources, and Fund Balance Liabilities: Accounts payable $1,701 $9,665 $11,366 Due to other governmental units - 559,828 559,828 Contracts and retainage payable - 8,707 8,707 Due to other funds 10,338 384,175 394,513 Deposits payable - 75,000 75,000 Unearned revenue - 271,230 271,230 Total liabilities 12,039 1,308,605 1,320,644 Deferred inflows of resources: Unavailable revenue - 17,833 17,833 Fund balance: Nonspendable 395 - 395 Restricted 22,803 851,785 874,588 Committed 11,003 - 11,003 Assigned 25,279 1,083,993 1,109,272 Unassigned (3,620) (888,908) (892,528) Total fund balance 55,860 1,046,870 1,102,730 Total liabilities, deferred inflows of resources, and fund balance $67,899 $2,373,308 $2,441,207 102 CITY OF LAKE ELMO, MINNESOTA COMBINING STATEMENT OF REVENUES, EXPENDITURES AND Statement 20 CHANGES IN FUND BALANCE NONMAJOR GOVERNMENTAL FUNDS For The Year Ended December 31, 2018 Total Nonmajor Special Capital Governmental Revenue Project Funds Revenues: Intergovernmental $14,293 $ - $14,293 Charges for services 78,573 - 78,573 Park dedication fees - 502,802 502,802 Investment income 615 (5,432) (4,817) Total revenues 93,481 497,370 590,851 Expenditures: Current: Public works 18,106 68,737 86,843 Culture and recreation 3,312 - 3,312 Economic development authority 47,702 - 47,702 Capital outlay: Public works - 976,444 976,444 Culture and recreation - 307,145 307,145 Economic development authority 901,670 - 901,670 Debt service: Interest and fiscal charges 21,583 - 21,583 Total expenditures 992,373 1,352,326 2,344,699 Revenues over (under) expenditures (898,892) (854,956) (1,753,848) Other financing sources: Transfers in 25,225 - 25,225 Issuance of debt 926,000 - 926,000 Total other financing sources 951,225 0 951,225 Net change in fund balance 52,333 (854,956) (802,623) Fund balance - January 1, as previously reported 7,394 878,148 885,542 Prior period adjustment - Note 17 (3,867) 1,023,678 1,019,811 Fund balance - January 1, as restated 3,527 1,901,826 1,905,353 Fund balance - December 31 $55,860 $1,046,870 $1,102,730 103 CITY OF LAKE ELMO, MINNESOTA SUBCOMBINING BALANCE SHEET Statement 21 NONMAJOR SPECIAL REVENUE FUNDS December 31, 2018 Total Economic Nonmajor Lions Park State Hwy 36 Development Special Sign Program Corridor Plan Authority Revenue (207)(208)(221)Funds Assets Cash and investments $217 $ - $60,431 $60,648 Accrued interest receivable 1 - 137 138 Due from other governmental units - 6,718 - 6,718 Prepaid items - - 395 395 Total assets $218 $6,718 $60,963 $67,899 Liabilities and Fund Balance - - Liabilities: Accounts payable $ - $ - $1,701 $1,701 Due to other funds - 10,338 - 10,338 Total liabilities 0 10,338 1,701 12,039 Fund balance: Nonspendable - - 395 395 Restricted - - 22,803 22,803 Committed 188 - 10,815 11,003 Assigned 30 - 25,249 25,279 Unassigned - (3,620) - (3,620) Total fund balance 218 (3,620) 59,262 55,860 Total liabilities and fund balance $218 $6,718 $60,963 $67,899 104 CITY OF LAKE ELMO, MINNESOTA SUBCOMBINING STATEMENT OF REVENUES,Statement 22 EXPENDITURES AND CHANGES IN FUND BALANCE NONMAJOR SPECIAL REVENUE FUNDS For The Year Ended December 31, 2018 Total Economic Nonmajor Lions Park State Hwy 36 Development Special City Events Library Sign Program Corridor Plan Authority Revenue (204) (206) (207) (208) (221) Funds Revenues: Intergovernmental $ - $ - $ - $14,293 $ - $14,293 Charges for services - - - - 78,573 78,573 Investment income - - 3 193 419 615 Total revenues 0 0 3 14,486 78,992 93,481 Expenditures: Current: Public works - - - 18,106 - 18,106 Culture and recreation - - 3,312 - - 3,312 Economic development authority - - - - 47,702 47,702 Capital outlay: Economic development authority - - - - 901,670 901,670 Debt service: Interest and fiscal charges - - - - 21,583 21,583 Total expenditures 0 0 3,312 18,106 970,955 992,373 Revenues over (under) expenditures 0 0 (3,309) (3,620) (891,963) (898,892) Other financing sources (uses): Transfers in - - - - 25,225 25,225 Issuance of debt - - - - 926,000 926,000 Total other financing sources (uses)0 0 0 0 951,225 951,225 Net change in fund balance 0 0 (3,309) (3,620) 59,262 52,333 Fund balances - January 1, as previously reported (607) 4,486 3,515 - - 7,394 Prior period adjustment - Note 17 607 (4,486)12 - - (3,867) Fund balances - January 1, as restated 0 0 3,527 0 0 3,527 Fund balances - ending $0 $0 $218 ($3,620) $59,262 $55,860 105 CITY OF LAKE ELMO, MINNESOTA SUBCOMBINING BALANCE SHEET NONMAJOR CAPITAL PROJECT FUNDS December 31, 2018 Park Infrastructure Dedication Reserve City Facilities (404) (409) (411) Assets Cash and investments $859,874 $1,046,581 $92,351 Accrued interest receivable 2,146 (3,603) 230 Due from other funds - 16,399 - Special assessments receivable: Deferred - 17,833 - Total assets $862,020 $1,077,210 $92,581 Liabilities, Deferred Inflows of Resources, and Fund Balance Liabilities: Accounts payable $1,528 $8,137 $ - Due to other governmental units - 59,828 - Contracts and retainage payable 8,707 - - Due to other funds - - - Deposits payable - - - Unearned revenue - - - Total liabilities 10,235 67,965 0 Deferred inflows of resources: Unavailable revenue - 17,833 - Fund balance (deficit): Restricted 851,785 - - Assigned - 991,412 92,581 Unassigned - - - Total fund balance (deficit)851,785 991,412 92,581 Total liabilities, deferred inflows of resources, and fund balance $862,020 $1,077,210 $92,581 106 Statement 23 CSAH 15 / Manning and 2019 Street Railroad CSAH 14 Hudson Future and Utility CSAH 13 Crossing Village Project Realignment Stop Light Project Phase 2 Improvements (413) (414) (423) (426) (427) (430) Total $ - $71,030 $249,937 $ - $ - 21,230 $2,341,003 (939) 176 63 - - - (1,927) - - - - - - 16,399 - - - - - - 17,833 ($939) $71,206 $250,000 $0 $0 $21,230 $2,373,308 $ - $ - $ - $ - $ - $ - $9,665 - 500,000 - - - - 559,828 - - - - - - 8,707 378,114 - - 5,731 330 - 384,175 - 75,000 - - - - 75,000 - - 250,000 - - 21,230 271,230 378,114 575,000 250,000 5,731 330 21,230 1,308,605 - - - - - - 17,833 - - - - - - 851,785 - - - - - - 1,083,993 (379,053) (503,794) - (5,731)(330) - (888,908) (379,053) (503,794)0 (5,731)(330)0 1,046,870 ($939) $71,206 $250,000 $0 $0 $21,230 $2,373,308 107 CITY OF LAKE ELMO, MINNESOTA SUBCOMBINING STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCE NONMAJOR CAPITAL PROJECT FUNDS For The Year Ended December 31, 2018 Park Infrastructure Dedication Reserve City Facilities (404)(409)(411) Revenues: Park dedication fees $502,802 $ - $ - Investment income 6,814 (10,758)799 Total revenues 509,616 (10,758)799 Expenditures: Current: Public works - 68,407 - Capital outlay: Public works - 287,475 183,238 Culture and recreation 307,145 - - Total expenditures 307,145 355,882 183,238 Net change in fund balance 202,471 (366,640) (182,439) Fund balances - January 1, as previously reported 646,955 338,235 274,063 Prior period adjustment - Note 17 2,359 1,019,817 957 Fund balances - January 1, as restated 649,314 1,358,052 275,020 Fund balances - ending $851,785 $991,412 $92,581 108 Statement 24 CSAH 15 / Manning and 2019 Street Railroad CSAH 14 Hudson Future and Utility CSAH 13 Crossing Village Project Realignment Stop Light Project Phase 2 Improvements (413) (414) (423) (426) (427) (430) Total $ - $ - $ - $ - $ - $ - $502,802 (2,852) 565 - - - - (5,432) (2,852)5650000497,370 - - - - 330 - 68,737 - 500,000 - 5,731 - - 976,444 - - - - - - 307,145 0 500,000 0 5,731 330 0 1,352,326 (2,852) (499,435)0 (5,731)(330)0 (854,956) (376,500)(4,605) - - - - 878,148 299 246 - - - - 1,023,678 (376,201)(4,359)0 0 0 0 1,901,826 ($379,053) ($503,794)$0 ($5,731)($330)$0 $1,046,870 109 CITY OF LAKE ELMO, MINNESOTA SUBCOMBINING STATEMENT OF REVENUES, EXPENSES AND Statement 25 INTERNAL SERVICE FUNDS For The Year Ended December 31, 2018 Radio IT FFE Replacement Replacement Replacement (701)(702)(703)Total Operating revenues $ - $ - $ - $ - Operating expenses - - - - Operating income 0 0 0 0 Nonoperating revenues (expenses): Contribution of capital assets to governmental activities (74,127)(13,606)(56,849)(144,582) Income (loss) before contributions and transfers (74,127)(13,606)(56,849)(144,582) Contributions and transfers: Transfer in 41,740 - 76,081 117,821 Change in net position (32,387)(13,606)19,232 (26,761) Net position - January 1 32,387 13,606 (19,232)26,761 Net position - December 31 $0 $0 $0 $0 CHANGES IN FUND NET POSITION 110 CITY OF LAKE ELMO, MINNESOTA SUBCOMBINING STATEMENT OF CASH FLOWS Statement 26 INTERNAL SERVICE FUNDS For The Year Ended December 31, 2018 Radio IT FFE Replacement Replacement Replacement (701) (702) (703) Total Cash flows from operating activities $ - $ - $ - $ - Cash flows from noncapital financing activities: Transfers in 41,740 - 76,081 117,821 Repayment of interfund loans (41,740) - (76,081) (117,821) Net cash flows provided by (used in) noncapital financing activities - - - - Cash flows from capital and related financing activities - - - - Cash flows from investing activities - - - - Net increase in cash and cash equivalents 0000 Cash and cash equivalents - January 1 - - - - Cash and cash equivalents - December 31 $0 $0 $0 $0 Noncash investing, capital and financing activities: Contributions of capital assets to governmental activities ($74,127) ($13,606) ($56,849) ($144,582) 111 - This page intentionally left blank - 112 CITY OF LAKE ELMO, MINNESOTA STATEMENT OF CHANGES IN FIDUCIARY NET POSITION Statement 27 FIDUCIARY FUNDS December 31, 2018 Balance 1/1/2018 Additions Deletions 12/31/2018 Agency Fund Assets: Cash and investments $2,712,949 $1,599,476 ($1,396,250) $2,916,175 Accounts receivable 128 - (128) - Total assets $2,713,077 $1,599,476 ($1,396,378) $2,916,175 Liabilities: Accounts payable $38,858 $31,149 ($38,858) $31,149 Deposits payable 2,674,219 1,568,327 (1,357,520) 2,885,026 Total liabilities $2,713,077 $1,599,476 ($1,396,378) $2,916,175 113 CITY OF LAKE ELMO, MINNESOTA BALANCE SHEET DEBT SERVICE FUND BY BOND ISSUE December 31, 2018 2009B GO 2010A GO 2010B GO 2011A GO Improvement Improvement CIP Bonds Improvement Bonds (316) Bonds (317) (318) Bonds (319) Assets Cash and investments $88,435 $101,133 $148,648 $281,367 Accrued interest receivable 244 251 369 698 Special assessments receivable: Due from county 108 - - - Delinquent - - - - Deferred 11,430 22,390 - 26,253 Total assets $100,217 $123,774 $149,017 $308,318 Liabilities, Deferred Inflows of Resources, and Fund Balance Liabilities: Due to other funds $ - $ - $ - $ - Deferred inflows of resources: Unavailable revenue 11,430 22,390 - 26,253 Fund balance (deficit): Restricted 88,787 101,384 149,017 282,065 Total liabilities, deferred inflows of resources, and fund balance $100,217 $123,774 $149,017 $308,318 114 Statement 28 2012B GO 2013A GO 2014A GO 2015A GO 2016A GO 2017A GO 2019 Improvement Improvement Improvement Improvement Improvement Improvement Improvement Bonds (321) Bonds (322) Bonds (323) Bonds (324) Bonds (326) Bonds (327) Bonds (329) Total $ - $1,268,840 $819,705 $438,939 $645,140 $475,168 $194,317 $4,461,692 (44) 3,150 2,035 1,090 1,642 1,134 443 11,012 4 223 - - 1,332 330 - 1,997 839 - 342 - - - - 1,181 76,620 20,400 438,655 474,900 908,622 696,299 444,952 3,120,521 $77,419 $1,292,613 $1,260,737 $914,929 $1,556,736 $1,172,931 $639,712 $7,596,403 $22,548 $ - $ - $ - $ - $ - $ - $22,548 77,459 20,400 438,997 474,900 908,622 696,299 444,952 3,121,702 (22,588) 1,272,213 821,740 440,029 648,114 476,632 194,760 4,452,153 $77,419 $1,292,613 $1,260,737 $914,929 $1,556,736 $1,172,931 $639,712 $7,596,403 115 CITY OF LAKE ELMO, MINNESOTA STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCE DEBT SERVICE FUND BY BOND ISSUE For The Year Ended December 31, 2018 2006A GO 2002 GO Equipment 2009A GO 2009B GO 2010A GO 2010B GO Improvement Certificates Refunding Improvement Improvement CIP Bonds Bonds (312) (314) Bonds (315) Bonds (316) Bonds (317) (318) Revenues: General property taxes $ - $ - $ - $50,911 $61,206 $204,519 Special assessments - - - 7,623 11,550 - Investment income - - - 760 805 1,179 Total revenues 0 0 0 59,294 73,561 205,698 Expenditures: Debt service: Principal - - - 65,000 70,000 155,000 Interest and fiscal charges - - - 1,906 6,785 36,864 Total expenditures 0 0 0 66,906 76,785 191,864 Revenues over (under) expenditures - - - (7,612) (3,224) 13,834 Other financing sources (uses): Transfers in - - 1,317 - - - Transfers out (477) (29,667) - - - - Total other financing sources (uses)(477) (29,667) 1,317 0 0 0 Net change in fund balance (477) (29,667) 1,317 (7,612) (3,224) 13,834 Fund balances - January 1, as previously reported 477 29,667 (1,317) 96,290 104,244 134,713 Prior period adjustment - Note 17 - - - 109 364 470 Fund balances - January 1, as restated 477 29,667 (1,317) 96,399 104,608 135,183 Fund balances - ending $0 $0 $0 $88,787 $101,384 $149,017 116 Statement 29 2011A GO 2012B GO 2013A GO 2014A GO 2015A GO 2016A GO 2017A GO 2019 Improvement Improvement Improvement Improvement Improvement Improvement Improvement Improvement Bonds (319) Bonds (321) Bonds (322) Bonds (323) Bonds (324) Bonds (326) Bonds (327) Bonds (329) Total $73,254 $61,141 $ - $203,045 $28,683 $189,419 $341,610 $ - $1,213,788 9,208 22,756 5,197 87,433 708,021 155,653 176,198 193,400 1,377,039 2,239 (133) 10,157 6,431 3,345 5,148 3,485 1,360 34,776 84,701 83,764 15,354 296,909 740,049 350,220 521,293 194,760 2,625,603 85,000 85,000 105,000 210,000 155,000 245,000 - - 1,175,000 8,666 8,264 16,953 29,319 14,469 24,450 57,063 - 204,739 93,666 93,264 121,953 239,319 169,469 269,450 57,063 0 1,379,739 (8,965) (9,500) (106,599)57,590 570,580 80,770 464,230 194,760 1,245,864 - - - - - - - - 1,317 - - - - - - - - (30,144) 0 0 0 0 0 0 0 0 (28,827) (8,965) (9,500) (106,599)57,590 570,580 80,770 464,230 194,760 1,217,037 290,017 (13,101) 1,373,745 762,222 (130,551) 566,222 12,359 - 3,224,987 1,013 13 5,067 1,928 - 1,122 43 - 10,129 291,030 (13,088) 1,378,812 764,150 (130,551) 567,344 12,402 0 3,235,116 $282,065 ($22,588) $1,272,213 $821,740 $440,029 $648,114 $476,632 $194,760 $4,452,153 117 - This page intentionally left blank - 118 STATISTICAL SECTION (UNAUDITED) 119 - This page intentionally left blank - 120 This part of the City of Lake Elmo, Minnesota's Comprehensive Annual Financial Report presents detailed information as a context for understanding what the information in the financial statements, note disclosures and required supplementary information says about the City's overall financial health. Table Number Financial Trends Tables 1-4 These tables contain trend information to help the reader understand how the City's financial performance and well-being have changed over time. Revenue Capacity Tables 5-9 These tables contain information to help the reader assess the City's most significant local revenue source, property taxes, as well as water and sanitary sewer rates and gallons sold. Debt Capacity Tables 10-14 These tables present information to help the reader assess the affordability of the City's current levels of outstanding debt and the City's ability to issue additional debt in the future. Demographic and Economic Information Tables 15-16 These tables offer demographic and economic indicators to help the reader understand the environment wihthin which the City's financial activities take place. Operating Information Tables 17-19 These tables contain service and infrastructure data to help the reader understand how the information in the City's financial report relates to the services the City provides and the activities it performs. Sources: Unless otherwise noted, the information in these tables is derived from the comprehensive financial reports for the relevant year. STATISTICAL SECTION (UNAUDITED) Contents 121 CITY OF LAKE ELMO, MINNESOTA NET POSITION BY COMPONENT Last Ten Fiscal Years (Accrual Basis of Accounting) 2018 2017 2016 2015 Governmental activities: Net investment in capital assets $10,782,850 $8,883,320 $9,032,535 $8,723,329 Restricted 10,121,648 5,057,169 4,704,133 3,446,142 Unrestricted 1,086,636 4,818,383 4,136,292 3,942,646 Total governmental activities net position $21,991,134 $18,758,872 $17,872,960 $16,112,117 Business-type activities: Net investment in capital assets $12,364,664 $12,180,378 $12,506,474 $10,170,351 Restricted - 2,695,734 1,473,164 1,876,119 Unrestricted 13,842,382 9,151,417 6,400,375 3,577,285 Total business-type activities net position $26,207,046 $24,027,529 $20,380,013 $15,623,755 Primary government: Net investment in capital assets $23,147,514 $21,063,698 $21,539,009 $18,893,680 Restricted 10,121,648 7,752,903 6,177,297 5,322,261 Unrestricted 14,929,018 13,969,800 10,536,667 7,519,931 Total primary government net position $48,198,180 $42,786,401 $38,252,973 $31,735,872 GASB 68 was implemented in 2015. Net position was restated for 2014 to reflect the reporting of net pension liability and pension related deferred outflows of resources. Net position for years prior to 2014 was not restated. GASB 75 was implemented in 2018. Net position was restated for 2017 to reflect the reporting of the OPEB liability and OPEB related deferred inflows of resources. Net position for years prior to 2017 was not restated. 122 Table 1 2014 2013 2012 2011 2010 2009 $7,957,840 $9,056,353 $8,782,840 $8,553,984 $8,368,479 $7,983,822 1,106,200 1,225,849 4,205,247 2,664,689 2,057,467 1,399,968 5,405,920 4,593,463 918,996 2,555,596 3,439,106 3,824,156 $14,469,960 $14,875,665 $13,907,083 $13,774,269 $13,865,052 $13,207,946 $10,567,418 $6,855,807 $6,788,377 $6,422,782 $6,713,292 $6,644,334 2,387,312 2,612,569 39,153 - - - 1,100,422 1,846,681 1,105,847 1,449,340 1,193,509 1,056,968 $14,055,152 $11,315,057 $7,933,377 $7,872,122 $7,906,801 $7,701,302 $18,525,258 $15,912,160 $15,571,217 $14,976,766 $15,081,771 $14,628,156 3,493,512 3,838,418 4,244,400 2,664,689 2,057,467 1,399,968 6,506,342 6,440,144 2,024,843 4,004,936 4,632,615 4,881,124 $28,525,112 $26,190,722 $21,840,460 $21,646,391 $21,771,853 $20,909,248 123 CITY OF LAKE ELMO, MINNESOTA CHANGES IN NET POSITION Last Ten Fiscal Years (Accrual Basis of Accounting) 2018 2017 2016 2015 Expenses Governmental activities: General government $1,266,269 $1,503,251 $1,358,370 $1,134,132 Public safety 2,161,082 1,528,253 1,308,360 1,344,282 Public works 2,192,092 2,800,044 1,698,566 1,377,969 Culture and recreation 524,445 1,299,551 660,947 639,006 Economic Development Authority 47,702 - - - Interest and fees on long-term debt 352,376 225,910 178,266 215,611 Total governmental activities expenses 6,543,966 7,357,009 5,204,509 4,711,000 Business-type activities: Water 2,068,178 2,022,446 1,409,832 1,363,043 Sewer 846,032 1,030,058 380,650 250,866 Storm sewer 315,967 213,514 150,302 103,536 Total business-type activities expenses 3,230,177 3,266,018 1,940,784 1,717,445 Total primary government expenses $9,774,143 $10,623,027 $7,145,293 $6,428,445 Program revenues Governmental activities: Charges for services: General government $379,378 $206,856 $51,009 $42,706 Public safety 1,938,163 2,101,890 1,752,522 866,708 Public works - - - 3,615 Culture and recreation - - - 26,214 Economic Development Authority 78,573 - - - Operating grants and contributions 248,915 229,960 235,214 249,094 Capital grants and contributions 2,833,574 2,290,265 1,452,469 2,038,940 Total governmental activities program revenues 5,478,603 4,828,971 3,491,214 3,227,277 Business-type activities: Charges for services: Water 951,985 2,628,848 1,801,228 1,850,240 Sewer 252,614 2,435,749 1,315,948 1,523,067 Storm sewer 322,700 289,375 213,233 229,252 Operating grants and contributions - - - - Capital grants and contributions 4,142,448 1,489,922 3,464,567 - Total business-type activities 5,669,747 6,843,894 6,794,976 3,602,559 Total primary government program revenues $11,148,350 $11,672,865 $10,286,190 $6,829,836 124 Table 2 Page 1 of 2 2014 2013 2012 2011 2010 2009 $1,072,888 $1,103,337 $1,093,204 $1,036,038 $980,456 $971,677 1,530,609 1,277,798 1,302,857 1,107,050 1,171,158 1,125,464 1,032,426 1,273,977 891,169 1,008,686 1,135,351 872,045 448,361 424,687 362,432 247,845 239,389 248,856 - - - - - 165,028 133,694 316,039 266,730 222,404 218,319 4,249,312 4,213,493 3,965,701 3,666,349 3,748,758 3,436,361 1,069,511 958,870 872,786 845,474 898,319 857,014 353,438 119,370 53,903 73,797 61,513 59,243 149,887 86,989 73,590 142,517 151,384 140,365 1,572,836 1,165,229 1,000,279 1,061,788 1,111,216 1,056,622 $5,822,148 $5,378,722 $4,965,980 $4,728,137 $4,859,974 $4,492,983 $45,161 $32,778 $48,476 $22,058 $18,296 $15,631 496,916 414,472 379,557 283,813 320,242 270,653 - 2,647 3,256 3,058 3,425 6,584 10,753 17,000 9,341 - 10,800 - - - - - - - 204,462 208,276 160,060 184,476 168,491 174,433 557,601 1,364,622 160,444 222,488 1,090,419 798,687 1,314,893 2,039,795 761,134 715,893 1,611,673 1,265,988 1,291,091 596,421 699,159 575,534 562,585 479,430 741,054 53,142 65,737 53,012 48,508 45,146 214,915 191,087 171,229 235,252 185,425 149,407 - - - 17,000 32,721 30,100 1,159,222 3,781,528 115,127 75,885 418,400 776,473 3,406,282 4,622,178 1,051,252 956,683 1,247,639 1,480,556 $4,721,175 $6,661,973 $1,812,386 $1,672,576 $2,859,312 $2,746,544 125 CITY OF LAKE ELMO, MINNESOTA CHANGES IN NET POSITION Last Ten Fiscal Years (Accrual Basis of Accounting) 2018 2017 2016 2015 Net (expense) revenue: Governmental activities ($1,065,363) ($2,528,038) ($1,713,295) ($1,483,723) Business-type activities 2,439,570 3,577,876 4,854,192 1,885,114 Total primary government, net 1,374,207 1,049,838 3,140,897 401,391 General revenues and other changes in net position: Governmental activities: General property taxes 3,610,106 3,040,413 3,226,739 3,204,119 Unrestricted grants and contributions 6,868 2,749 8,584 2,749 Unrestricted investment earnings 115,583 48,987 43,228 46,589 Miscellaneous - 158,350 52,479 73,738 Gain on disposal of capital assets 8,991 - - - Transfers 840 - 143,105 220,842 Total governmental activities 3,742,388 3,250,499 3,474,135 3,548,037 Business-type activities: Unrestricted grants and contributions 956 - 748 - Unrestricted investment earnings 96,425 46,757 44,423 39,757 Transfers (840) - (143,105) (220,842) Total business-type activities 96,541 46,757 (97,934) (181,085) Total primary government $3,838,929 $3,297,256 $3,376,201 $3,366,952 Change in net position: Governmental activities $2,677,025 $722,461 $1,760,840 $2,064,314 Business-type activities 2,536,111 3,624,633 4,756,258 1,704,029 Total primary government change in net position $5,213,136 $4,347,094 $6,517,098 $3,768,343 GASB 68 was implemented in 2015. Pension expense for years prior to 2015 was not restated. GASB 75 was implemented in 2018. OPEB expense for years prior to 2018 was not restated. 126 Table 2 Page 2 of 2 2014 2013 2012 2011 2010 2009 ($2,934,419) ($2,173,698) ($3,204,567) ($2,950,456) ($2,137,085) ($2,170,373) 1,833,446 3,456,949 50,973 (105,105) 136,423 423,934 (1,100,973) 1,283,251 (3,153,594) (3,055,561) (2,000,662) (1,746,439) 3,200,291 3,231,609 3,183,078 2,793,776 2,711,067 2,718,691 2,749 2,749 - 10,628 9,771 8,764 87,586 35,259 111,705 94,501 113,989 160,679 125,400 1,833 42,599 20,405 17,311 41,827 - 8,979 - - - 8,517 (887,312) - - (59,637) (57,947) (129,177) 2,528,714 3,280,429 3,337,382 2,859,673 2,794,191 2,809,301 - - - - - - 19,337 30,346 10,282 10,789 11,129 15,343 887,312 - - 59,637 57,947 129,177 906,649 30,346 10,282 70,426 69,076 144,520 $3,435,363 $3,310,775 $3,347,664 $2,930,099 $2,863,267 $2,953,821 ($405,705) $1,106,731 $132,815 ($90,783)$657,106 $638,928 2,740,095 3,487,295 61,255 (34,679)205,499 568,454 $2,334,390 $4,594,026 $194,070 ($125,462)$862,605 $1,207,382 127 CITY OF LAKE ELMO, MINNESOTA FUND BALANCES, GOVERNMENTAL FUNDS Last Ten Fiscal Years (Modified Accrual Basis of Accounting) 2018 2017 2016 2015 General Fund: Reserved $ - $ - $ - $ - Unreserved - - - - Nonspendable 18,951 410,193 409,222 432,306 Committed - 200,000 200,000 - Unassigned 4,756,695 3,499,133 3,279,815 2,754,976 Total general fund $4,775,646 $4,109,326 $3,889,037 $3,187,282 All other governmental funds: Reserved $ - $ - $ - $ - Unreserved - - - - Nonspendable 395 675,000 - 3,908 Restricted 6,133,168 2,849,956 3,248,230 2,477,730 Committed 11,003 - - - Assigned 1,198,909 1,307,216 1,504,656 1,768,742 Unassigned (3,043,623) (681,681) (418,169) (431,755) Total all other governmental funds $4,299,852 $4,150,491 $4,334,717 $3,818,625 Total governmental funds $9,075,498 $8,259,817 $8,223,754 $7,005,907 The City implemented GASB Statement No. 54 for the fiscal year ended December 31, 2011. Information for years prior to 2011 is presented in accordance with fund balance classifications in effect at that time. 128 Table 3 2014 2013 2012 2011 2010 2009 $ - $ - $ - $ - $1,068,950 $1,032,570 - - - - 1,617,211 1,403,240 638,963 859,072 1,024,433 1,206,209 - - - - - - - - 2,542,038 2,318,310 2,414,692 1,707,711 - - $3,181,001 $3,177,382 $3,439,125 $2,913,920 $2,686,161 $2,435,810 $ - $ - $ - $ - $3,605,250 $ - - - - - 504,106 1,422,049 - - - - - 1,077,659 717,781 743,976 3,959,111 4,691,748 - - - - - 7,114 - - 2,943,525 2,252,931 1,244,900 654,358 - - (693,904)(885,360) (1,670,915) (1,353,754) - - $2,967,402 $2,111,547 $3,533,096 $3,999,466 $4,109,356 $2,499,708 $6,148,403 $5,288,929 $6,972,221 $6,913,386 $6,795,517 $4,935,518 129 CITY OF LAKE ELMO, MINNESOTA CHANGES IN FUND BALANCES, GOVERNMENTAL FUNDS Last Ten Fiscal Years 2018 2017 2016 2015 Revenues: General property taxes $3,610,508 $3,042,074 $3,231,674 $3,222,216 Licenses and permits 1,317,648 2,046,462 1,713,918 828,494 Intergovernmental 247,178 1,023,864 282,874 296,902 Charges for services 899,808 137,920 38,608 35,796 Fines and forfeits 49,203 41,418 49,505 48,739 Special assessments 1,398,155 455,493 897,323 1,316,239 Park dedication fees 502,802 265,783 171,708 138,158 Refunds and reimbursements - - 21,390 - Investment earnings 115,583 48,987 43,228 46,415 Miscellaneous 129,455 265,133 56,101 99,055 Total revenues 8,270,340 7,327,134 6,506,329 6,032,014 Expenditures: Current: General government 1,208,145 1,502,904 1,358,306 1,094,723 Public safety 1,644,159 1,470,726 1,262,040 1,203,765 Public works 1,227,521 1,185,828 893,644 686,401 Culture and recreation 241,761 603,292 500,689 457,749 Economic Development Authority 47,702 - - - Debt service: Principal 1,175,000 910,000 826,219 667,342 Interest and fiscal charges 230,822 463,570 242,392 226,611 Capital outlay 4,552,089 5,860,917 3,126,782 2,729,512 Total expenditures 10,327,199 11,997,237 8,210,072 7,066,103 Excess (deficiency) of revenues over expenditures (2,056,859) (4,670,103) (1,703,743) (1,034,089) Other financing sources (uses): Issuance of debt 1,866,000 4,565,000 2,690,000 1,620,000 Premium on issuance of debt - 166,068 102,877 32,137 (Discount) on issuance of debt - (26,302) (14,392) (11,386) Payment to bond escrow agent - - - - Loan payable reapportionment - - - - Proceeds from sale of capital assets 8,991 1,400 - 30,000 Transfers in 56,209 - 143,105 220,842 Transfers out (173,190) - - - Total other financing sources (uses)1,758,010 4,706,166 2,921,590 1,891,593 Net change in fund balance ($298,849) $36,063 $1,217,847 $857,504 Debt service as a percentage of noncapital expenditures 24.2%22.4%21.0%20.6% Debt service as a percentage of total expenditures 13.6%11.4%13.0%12.7% 130 Table 4 2014 2013 2012 2011 2010 2009 $3,203,111 $3,231,609 $3,221,733 $2,790,773 $2,737,225 $2,685,894 451,953 374,974 330,819 230,419 261,450 225,166 413,968 1,704,178 237,254 276,638 239,244 288,881 30,192 6,113 5,726 14,691 22,416 11,433 48,647 52,110 58,385 63,819 68,897 54,052 115,424 180,023 136,150 153,536 134,257 73,013 274,257 - - - - - - - - - - - 87,467 35,127 111,737 94,066 113,033 160,679 165,319 57,260 87,562 48,217 84,860 61,533 4,790,338 5,641,394 4,189,366 3,672,159 3,661,382 3,560,651 1,046,906 1,527,732 1,034,712 1,016,898 921,590 929,960 1,198,546 1,174,145 1,109,937 996,733 1,064,176 988,082 585,071 614,270 446,541 447,629 473,293 459,703 368,276 301,404 260,404 168,747 168,971 180,965 - - - - - - 585,000 3,348,000 406,000 344,000 313,000 361,000 157,649 179,018 309,081 285,712 291,400 274,231 2,881,437 1,784,914 1,428,856 1,029,183 1,203,309 998,031 6,822,885 8,929,483 4,995,531 4,288,902 4,435,739 4,191,972 (2,032,547) (3,288,089)(806,165)(616,743)(774,357)(631,321) 2,850,000 1,604,797 865,000 845,000 2,680,000 1,110,000 31,520 - - - 4,356 17,756 - - - - - - - - - - - - - - - - - (525,000) - - - - - 9,190 10,501 - - 204,972 314,698 1,466,041 - - - (315,360)(364,698) (1,626,041) 2,892,021 1,604,797 865,000 734,612 2,634,356 451,946 $859,474 ($1,683,292)$58,835 $117,869 $1,859,999 ($179,375) 18.8%49.4%20.0%19.3%18.7%19.9% 10.9%39.5%14.3%14.7%13.6%15.2% 131 CITY OF LAKE ELMO, MINNESOTA TAX CAPACITY AND ESTIMATED ACTUAL VALUE OF TAXABLE PROPERTY Table 5 Last Ten Fiscal Years Total % of Tax Taxable Total Adjusted City Capacity to Payable Market Real Personal Tax Tax Urban Tax Total Estimated Year Value Property Property Capacity Capacity (1) Rate Market Value 2009 $1,208,072,300 $13,490,182 $201,896 $13,692,078 $13,692,078 19.810 1.13% 2010 1,201,213,400 13,394,423 202,299 13,596,722 13,596,722 20.479 1.13% 2011 1,142,936,500 12,678,177 221,613 12,899,790 12,899,790 21.882 1.13% 2012 1,037,557,100 11,525,623 229,157 11,754,780 11,555,676 27.271 1.13% 2013 1,028,011,400 11,392,876 237,584 11,630,460 11,384,320 29.259 1.13% 2014 1,046,031,000 11,504,611 238,764 11,743,375 11,393,889 27.761 1.12% 2015 1,184,578,800 12,938,515 243,104 13,181,619 13,072,105 23.798 1.11% 2016 1,224,463,300 13,386,725 266,218 13,652,943 13,441,204 23.121 1.12% 2017 1,316,618,700 14,520,320 292,938 14,813,258 14,631,062 20.018 1.13% 2018 1,452,554,500 16,054,044 326,744 16,380,788 15,359,350 22.442 1.13% (1) Tax Capacity adjusted for captured tax increment, fiscal disparities, and transmission lines. Valuations are determined as of January 1 of year preceding tax collection year. The County determines a property's tax capacity by multiplying a property's estimated market value times the property's class rate which is determined by its use. The total City tax levy divided by the total City tax capacity determines a percentage, the City tax rate, that is applied to each parcel's tax capacity to determine the tax amount. Tax Capacity 132 CITY OF LAKE ELMO, MINNESOTA DIRECT AND OVERLAPPING PROPERTY TAX RATES Table 6 Last Ten Fiscal Years (Percent of Tax Capacity) Operating Debt Total Special Fiscal Tax Service Tax Washington Taxing Year Rate Tax Rate Rate County Districts 2009 17.059 2.751 19.810 17.714 - 24.480 26.371 1.545 - 4.002 2.351 67.791 77.014 2010 18.033 2.446 20.479 19.734 - 26.389 27.775 1.511 - 4.153 2.558 72.057 81.354 2011 19.448 2.384 21.832 20.300 - 34.330 29.772 1.725 - 4.275 2.664 76.293 92.873 2012 23.679 (1) 3.592 27.271 22.333 - 38.360 31.939 2.340 - 4.906 2.909 86.792 105.385 2013 23.555 5.704 29.259 22.017 - 37.104 31.548 0.779 - 5.306 4.857 88.460 108.074 2014 23.472 4.289 27.761 23.150 - 39.770 30.243 0.761 - 5.066 4.641 86.556 107.481 2015 20.121 3.677 23.798 21.120 - 35.860 27.691 0.692 - 4.769 4.183 77.484 96.301 2016 18.184 4.937 23.121 19.849 - 35.569 27.860 0.075 - 5.111 4.568 75.473 96.229 2017 14.083 5.934 20.017 20.390 - 34.093 27.852 0.839 - 5.275 4.345 73.443 91.582 2018 16.107 (2) 6.335 22.442 19.349 - 32.161 29.709 0.819 - 5.021 3.072 75.391 92.405 Source: Washington County Taxation Division The City's direct property tax rate is determined by dividing the amount of tax levied by the City Council by the City's total tax capacity. Overlapping rates are those of local and county governments that apply to property owners within the City of Lake Elmo. Not all overlapping rates apply to all City of Lake Elmo property owners. Although the property tax rates apply to all city property owners, some city properties lie within the geographical boundaries of different school and watershed districts. (1) Includes Library Levy component effective 1/1/2012 due to pulling out of Washington County (2) Excludes Library Levy component effective 1/1/2018 due to going back to Washington County Range of Total Direct and Overlapping Tax Rates City Direct Rate Range of Tax Rates for ISD's 622, 832 & 834 Range of Tax Rates for Watershed Districts Overlapping Rates 133 - This page intentionally left blank - 134 CITY OF LAKE ELMO, MINNESOTA PRINCIPAL PROPERTY TAXPAYERS Table 7 Current Year and Nine Years Ago Percentage Percentage of Total of Total Taxable City Tax Taxable City Tax Tax Capacity Tax Capacity Taxpayer Capacity Rank Value Capacity Rank Value HSRE-MN High Pointe LLC $278,948 1 1.82% $239,610 1 1.75% Xcel Energy 247,132 2 1.61% 171,806 3 1.25% Dakota Upreit LP 218,198 3 1.42% - - Bremer Financial Services Inc 212,330 4 1.38% 195,538 2 1.43% MHC Cimarron LLC 139,714 5 0.91% - - HOA Hotels LLC 137,850 6 0.90% - - Eagle Point Medical Building LLC 134,896 7 0.88% - - HC Golf Land LLC 94,949 8 0.62% - - Danate Proper Inv I LLC 74,250 9 0.48% - - Norman James LLC 68,628 10 0.45% - - Moline Plow - - 139,208 4 1.02% Lake Elmo Foundation, Inc - - 138,922 5 1.01% Lakeland Harbor SPE LLC - - 134,090 6 0.98% United Land LLC - - 119,478 7 0.87% United Properties Inv, LLC - - 109,468 8 0.80% Davis Estates LTD - - 81,328 9 0.59% Bri-mar Co Inc. Etal. - - 63,518 10 0.46% Total $1,606,895 10.46% $1,392,966 10.17% Source: Washington County Taxation Division 2018 2009 135 CITY OF LAKE ELMO, MINNESOTA PROPERTY TAX LEVIES AND COLLECTIONS Last Ten Fiscal Years Collected within the Taxes Levied Net Tax Levy Fiscal Year of the Levy Fiscal for the for the Percentage Year Fiscal Year Fiscal Year (1)Amount of Net Levy 2009 $2,708,155 $2,672,623 $2,624,026 98.18% 2010 2,743,346 2,705,782 2,645,536 97.77% 2011 2,789,559 2,745,785 2,692,423 98.06% 2012 3,113,017 3,110,478 3,071,202 98.74% 2013 3,163,359 3,160,524 3,133,764 99.15% 2014 3,163,359 3,160,285 3,128,695 99.00% 2015 3,113,017 3,133,137 3,112,989 99.36% 2016 3,112,204 3,112,204 3,068,116 98.58% 2017 2,950,426 2,950,426 2,935,173 99.48% 2018 3,596,601 3,592,491 3,574,859 99.51% (1) Tax Levy adjusted for powerline and market value credits and AG program credits prior to 2016 136 Table 8 Collections in Total Collections to Date Outstanding Delinquent Taxes Subsequent Percentage Delinquent as a Percentage of Years Amount of Net Levy Taxes Total Net Tax Levy $48,595 $2,672,621 100.00%$2 0.00% 60,231 2,705,767 100.00%15 0.00% 53,348 2,745,771 100.00%14 0.00% 39,267 3,110,469 100.00%9 0.00% 26,760 3,160,524 100.00% - 0.00% 31,590 3,160,285 100.00% - 0.00% 19,868 3,132,857 99.99%280 0.01% 42,088 3,110,204 99.94%2,000 0.06% 12,379 2,947,552 99.90%2,874 0.10% - 3,574,859 99.51%17,632 0.49% 137 - This page intentionally left blank - 138 CITY OF LAKE ELMO, MINNESOTA WATER AND SANITARY SEWER CHARGES BY CUSTOMER Table 9 Last Ten Fiscal Years 2018 2017 2016 2015 2014 2013 2012 2011 2010* 2009 Water (in millions of gallons): Residential 96.882 93.513 98.044 84.007 98.573 120.676 154.747 105.290 95.704 122.461 Commercial service 22.189 16.603 29.379 21.653 12.156 8.253 10.405 6.872 7.261 7.989 Total gallons 119.071 110.116 127.423 105.660 110.729 128.929 165.152 112.162 102.965 130.450 Total direct rate per 1,000 gallons: Residential 2.20 2.14 2.14 2.14 2.14 2.14 2.14 2.14 2.10 2.15 Commercial service 3.30 3.20 3.11 3.11 3.11 3.11 3.11 3.11 3.05 3.10 Sanitary Sewer (in millions of gallons): Residential (1)32.409 38.340 6.812 3.794 - - - - - - Commercial service 12.267 6.807 9.125 8.179 6.532 6.149 6.172 6.961 7.086 5.381 Total gallons 44.676 45.147 15.937 11.973 6.532 6.149 6.172 6.961 7.086 5.381 Total direct rate per 1,000 gallons 4.55 4.50 4.50 4.50 4.50 4.50 4.50 4.50 4.35 4.08 * City converted to a tiered rate structure effective January 1, 2010; lowest tier rate listed for 2010 - 2015 (1) City did not have any residential sanitary sewer customers in 2014 and prior 139 CITY OF LAKE ELMO, MINNESOTA RATIOS OF OUTSTANDING DEBT BY TYPE Last Ten Fiscal Years G.O. G.O. G.O. Capital Other Fiscal Improvement Equipment Improvement Notes and Year Bonds Certificates Plan Bonds Bonds 2009 $1,120,000 $283,000 $3,540,000 $ - 2010 1,725,000 240,000 5,345,000 - 2011 2,440,000 196,000 5,175,000 - 2012 3,100,092 150,000 4,969,153 - 2013 4,436,967 102,000 1,941,135 - 2014 6,919,568 52,000 1,808,024 - 2015 8,095,288 - 1,687,803 21,219 2016 10,210,038 - 1,537,530 - 2017 14,151,671 - 1,382,249 - 2018 13,185,126 940,000 1,226,928 926,000 Details regarding the City's outstanding debt can be found in the notes to the financial statements. See the Demographic and Economic Statistics schedule for personal income and population data. Governmental Activities 140 Table 10 Business-Type Activities Total G.O. Utility Percentage Governmental Revenue Total Primary of Personal Per Activities Bonds Government Income Capita $4,943,000 $4,715,000 $9,658,000 3.0%$1,407 7,310,000 4,680,000 11,990,000 3.1%1,486 7,811,000 4,640,000 12,451,000 3.0%1,543 8,219,245 8,314,837 16,534,082 3.9%2,049 6,480,102 12,476,920 18,957,022 4.5%2,349 8,779,592 15,530,642 24,310,234 6.8%3,013 9,804,310 12,622,484 22,426,794 6.0%2,779 11,747,568 18,990,395 30,737,963 8.2%3,809 15,533,920 22,866,787 38,400,707 8.8%3,990 16,278,054 21,680,126 37,958,180 7.6%3,608 141 CITY OF LAKE ELMO, MINNESOTA RATIOS OF NET GENERAL BONDED DEBT Last Ten Fiscal Years G.O. G.O. G.O. Capital G.O. Utility Fiscal Improvement Equipment Improvement Revenue Year Bonds Certificates Plan Bonds Bonds 2009 $1,120,000 $283,000 $3,540,000 $4,715,000 2010 1,725,000 240,000 5,345,000 4,680,000 2011 2,440,000 196,000 5,175,000 4,640,000 2012 3,100,092 150,000 4,969,153 8,314,837 2013 4,436,967 102,000 1,941,135 12,476,920 2014 6,919,568 52,000 1,808,024 15,530,642 2015 8,095,288 - 1,687,803 12,622,484 2016 10,210,038 - 1,537,530 18,990,395 2017 14,151,671 - 1,382,249 22,866,787 2018 13,185,126 940,000 1,226,928 21,680,126 Details regarding the City's outstanding debt can be found in the notes to the financial statements. See Table 5 for taxable market value See Table 15 for population data * Net of crossover debt General Bonded Debt Outstanding 142 Table 11 Percentage Less: Amounts Net General of Actual Available in Debt Bonded Debt Taxable Value Per Total*Service Funds Outstanding of Property Capita (Net) $9,658,000 ($1,422,049)$8,235,951 0.68%$1,200 11,990,000 (3,605,250) 8,384,750 0.70%1,039 12,451,000 (3,534,742) 8,916,258 0.78%1,105 16,534,082 (3,500,799) 13,033,283 1.26%1,615 18,957,022 (729,753) 18,227,269 1.77%2,259 24,310,234 (691,700) 23,618,534 2.26%2,927 22,405,575 (2,477,730) 19,927,845 1.68%2,470 30,737,963 (3,215,590) 27,522,373 2.25%3,411 38,400,707 (3,524,956) 34,875,751 2.65%3,623 37,032,180 (4,461,692) 32,570,488 2.24%3,096 143 CITY OF LAKE ELMO, MINNESOTA DIRECT AND OVERLAPPING GOVERNMENTAL ACTIVITIES DEBT Table 12 As of December 31, 2018 Estimated Estimated Share of Debt Percentage Overlapping Outstanding Applicable*Debt Overlapping debt: Independent School District # 622 $97,480,000 3.1%$3,021,880 Independent School District # 832 51,850,000 4.7%2,436,950 Independent School District # 834 108,130,000 14.1%15,246,330 Washington County 126,060,000 4.8% 6,050,880 Metropolitan Council 1,484,038,432 1.1%16,324,423 Total overlapping debt 43,080,463 City direct debt $15,045,000 100%15,045,000 Total direct and overlapping debt $58,125,463 *For debt repaid with property taxes, the percentage of overlapping debt applicable is estimated using taxable assessed property values. Applicable percentages were estimated by determining the portion of another governmental unit's taxable assessed value that is within the City's boundaries and dividing it by each unit'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 City'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. Sources: Taxable value data used to estimate applicable percentages provided by Washington County. Debt outstanding data provided by each governmental unit. 144 CITY OF LAKE ELMO, MINNESOTA LEGAL DEBT MARGIN INFORMATION Table 13 Last Ten Fiscal Years Legal Debt Margin Calculation for Fiscal Year 2018 Market value $1,452,554,500 Applicable percentage 3% Debt limit 43,576,635 Debt applicable to limit: Total bonded debt 37,958,180 Less: Special assessment bonds (13,185,126) Lease revenue bonds (926,000) Utility revenue bonds (21,680,126) Amount set aside for repayment of G.O. debt (148,648) 2,018,280 Legal debt margin $41,558,355 Net Debt Net Debt Legal Amount of Debt Applicable Fiscal Debt Applicable to Debt Applicable to to Limit Year Population Limit Limit Margin Debt Limit Per Capita 2009 6,863 $36,036,402 $271,142 $35,765,260 0.75% $40 2010 8,069 34,288,095 2,195,153 32,092,942 6.40% 272 2011 8,069 31,126,713 2,148,203 28,978,510 6.90% 266 2012 8,069 32,054,064 2,099,369 29,954,695 6.55% 260 2013 8,069 32,470,203 1,894,510 30,575,693 5.83% 235 2014 8,069 35,537,364 1,757,421 33,779,943 4.95% 218 2015 8,069 36,733,899 1,572,289 35,161,610 4.28% 195 2016 8,069 38,035,233 2,102,343 35,932,890 5.53% 261 2017 9,625 38,556,774 1,846,657 36,710,117 4.79% 192 2018 10,521 43,576,635 2,018,280 41,558,355 4.63% 192 Legal Debt Margin Calculation for Fiscal Years 2009 Through 2018 145 CITY OF LAKE ELMO, MINNESOTA PLEDGED REVENUE COVERAGE Table 14 Last Ten Fiscal Years Net Payable Gross Operating Available Year Revenue (1) Expenses (2) Revenue Principal Interest Coverage 2009 $776,899 $513,226 $263,673 $530,000 $208,303 36% 2010 920,768 563,896 356,872 35,000 191,156 158% 2011 891,587 516,157 375,430 40,000 190,094 163% 2012 946,407 426,118 520,289 40,000 221,129 199% 2013 3,501,321 504,648 2,996,673 165,000 300,789 643% 2014 2,266,397 678,394 1,588,003 365,000 424,080 201% 2015 3,642,316 627,977 3,014,339 4,165,000 456,782 65% 2016 3,407,097 757,862 2,649,235 615,000 380,969 266% 2017 6,651,513 1,505,420 5,146,093 705,000 513,768 422% 2018 5,767,128 1,279,347 4,487,781 625,000 312,660 479% (1) Gross revenue includes investment earnings, infrastructure charges and special assessments. (2) Operating expenses do not include interest, depreciation, or amortization expense. (3) Details regarding the City's outstanding debt can be found in the notes to the financial statements. G.O. Utility Revenue Bonds Debt Service (3) 146 CITY OF LAKE ELMO, MINNESOTA DEMOGRAPHIC AND ECONOMIC STATISTICS Table 15 Last Ten Fiscal Years Personal Per Income (2) Capita State City Fiscal (thousands Personal Unemployment Unemployment Year Population (1)of dollars)Income (2) Rate (3) Rate (3) 2009 6,863 $317,997 $46,335 7.6%7.1% 2010 8,069 383,915 47,579 7.0%6.4% 2011 8,069 409,203 50,713 5.8%5.2% 2012 8,069 420,242 52,081 5.4%4.9% 2013 8,069 420,879 52,160 4.6%4.0% 2014 8,069 357,723 44,333 3.8%3.7% 2015 8,069 371,602 46,053 3.2%2.9% 2016 8,069 374,345 46,393 3.8%3.3% 2017 9,625 438,563 45,565 3.3%3.3% 2018 10,521 497,896 47,324 2.8%2.7% Sources: (1) Metropolitan Council 2000/2010-Census Bureau; updated for staff estimate starting in 2017 (2) United States Census Bereau (3) Estimate based on County unemployment rate provided by Minnesota Department of Employment and Economic Development 147 - This page intentionally left blank - 148 CITY OF LAKE ELMO, MINNESOTA PRINCIPAL EMPLOYERS Table 16 Current Year and Nine Years Ago Percentage of Percentage of Total City Total City Employer Employees Rank Employment(1)Employees Rank Employment(1 3M Company (Maplewood)9,100 1 41.4% 10,100 1 56.4% Andersen Corp (Bayport)2,622 2 11.9% - - - Healtheast Care/St. Johns Hospital (Maplewood) 1,200 3 5.5% - - - Washington County (Stillwater)1,188 4 5.4% - - - Woodwinds Health (Woodbury)1,100 5 5.0% 485 5 2.7% ISD 834 (Stillwater)1,049 6 4.8% 1,005 3 5.6% Bremer Bank Operations Ctr (Lake Elmo)425 7 1.9% 400 6 2.2% MN Correctional Facility (Oak Park Hts)355 8 1.6% - - - SunAmerica Financial Group (Woodbury)310 9 1.4% - - - Minncor Industries (Bayport)250 10 1.1% - - - The Hartford (Woodbury) - - - 1,021 2 5.7% Imation (Oakdale) - - - 500 4 2.8% Ecowater Systems, Inc. (Woodbury) - - - 400 7 2.2% High Pointe Health Campus (Lake Elmo) - - - 180 8 1.0% Lake Elmo Inn Inc. - - - 125 9 0.7% Machine Shed/Wildwood Inn (Lake Elmo) - - - 110 10 0.6% (1)City staff estimate 2018 2009 149 CITY OF LAKE ELMO, MINNESOTA FULL-TIME EQUIVALENT EMPLOYEES BY FUNCTION/PROGRAM Last Ten Fiscal Years 2018 2017 2016 2015 General Government: Administration 2.70 2.45 2.45 3.20 Finance 1.05 1.20 1.20 0.80 Planning and Zoning 2.10 2.21 2.21 2.75 Total General Government 5.85 5.86 5.86 6.75 Public Safety: Fire 3.80 3.80 3.80 1.50 Building Inspections 4.20 4.21 4.21 3.15 Total Public Safety 8.00 8.01 8.01 4.65 Public Works: Streets and Roadways 4.80 4.55 4.55 3.90 Parks and Recreation: Parks 2.20 3.00 3.00 1.85 Communications 0.50 - - 0.70 Total Governmental Activities 21.35 21.42 21.42 17.85 Business-type Activities: Water Utility 2.50 2.00 2.00 2.45 Sewer Utility 1.15 1.66 1.66 1.30 Storm Sewer Utility 0.80 0.80 0.00 0.00 Total Business-Type Activities 4.45 4.46 3.66 3.75 Total 25.80 25.88 25.08 21.60 Source: City's Adopted Budgets Full-Time-Equivalent Employees as of December 31, 150 Table 17 2014 2013 2012 2011 2010 2009 3.55 3.55 3.15 3.15 3.15 3.18 1.25 1.25 0.50 0.50 0.50 0.50 2.70 2.95 1.55 1.55 1.55 1.75 7.50 7.75 5.20 5.20 5.20 5.43 1.55 2.05 1.60 1.10 1.10 1.10 1.55 1.30 0.95 0.95 0.95 1.95 3.10 3.35 2.55 2.05 2.05 3.05 3.20 3.21 3.05 3.05 3.05 3.05 3.30 2.74 2.52 2.52 2.52 3.10 0.35 0.40 0.15 0.15 0.15 0.19 17.45 17.45 13.47 12.97 12.97 14.82 2.60 2.10 1.85 1.85 1.85 1.85 0.70 0.70 0.30 0.30 0.30 0.30 0.00 0.00 0.00 0.00 0.00 0.00 3.30 2.80 2.15 2.15 2.15 2.15 20.75 20.25 15.62 15.12 15.12 16.97 Full-Time-Equivalent Employees as of December 31, 151 CITY OF LAKE ELMO, MINNESOTA OPERATING INDICATORS BY FUNCTION/PROGRAM Last Ten Fiscal Years 2018 2017 2016 2015 Planning and Zoning: Conditional use permits 6 5 3 2 Interim use permits - 2 2 1 Minor subdivisions 1 1 2 2 Plats / planned unit developments 13 10 11 9 Rezonings 4 5 3 2 Site plans - 1 1 - Variances 6 6 4 2 Fire: Total emergency responses 461 456 430 429 EMS responses 317 313 268 274 Fire responses 144 143 162 32 Building Inspections: Residential permit valuations (thousands of dollars) $113,913 $86,710 $119,301 $50,401 Commercial permit valuations (thousands of dollars)$3,217 $1,185 $2,003 $1,952 New residential units (1)245 299 240 140 New commercial units - 1 1 1 Water Utility: Number of customers 2,317 1,727 1,538 1,234 Average quarterly consumption (2)56 28 18 18 (millions of gallons) Sanitary Sewer Utility: Number of customers 1,253 712 321 96 Average quarterly flow (3)11 12 14 74 (millions of gallons) Sources: Various City Department's annual financial report statistics (1) Excludes fire/demolition rebuilds (2) Residential and Commercial; rate increase effective 1/1/2010 to encourage conservation (3) Billed and measured based on water usage; new developer homes built in 2015 but not yet sold/occupied so no impact to flows 152 Table 18 2014 2013 2012 2011 2010 2009 4 2 3 - - 2 1 1 - 3 1 - - 2 1 - - 2 17 1 - - - - 11 2 7 - - 1 - 2 1 - 1 1 2 5 4 6 2 5 358 448 399 315 361 319 237 280 262 195 211 205 21 28 28 24 14 24 $23,032 $19,979 $20,320 $16,133 $15,889 $12,903 $7,309 $966 $2,351 $2,590 $2,013 $1,617 41 32 31 24 26 29 3 - - - 1 1 1,073 1,051 1,016 998 967 941 19 21 15 14 18 24 45 29 29 29 29 28 77 77 75 71 72 68 153 CITY OF LAKE ELMO, MINNESOTA CAPITAL ASSET STATISTICS BY FUNCTION/PROGRAM Table 19 Last Ten Fiscal Years 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 Fire: Stations 2 2 2 2 2 2 2 2 2 2 Public Works: Bituminous streets (miles)112 103 103 65 65 63 63 63 62 62 Gravel streets (miles)0.5 2 2 2 2 2 2 2 2 3 Storm sewer (miles)33 30 30 25 25 25 25 25 25 25 Parks & Recreation: Acres of parkland 427 420 420 420 420 420 420 420 420 420 Number of parks 24 17 17 17 17 17 17 17 17 17 Water Utility: Water towers 3 3 3 3 3 2 2 2 2 2 Miles of watermain 58 50 50 43 40 39 37 37 37 37 Number of fire hydrants 559 415 415 378 351 293 280 280 280 280 Sanitary Sewer Utility: Miles of sanitary sewer 29 8 8 4 3 3 3 3 3 3 Lift Stations 5 4 4 4 4 3 3 3 3 3 Sources: Various City Department's annual financial report statistics 154