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HomeMy WebLinkAbout2003 CAFRCOMPREHENSIVE ANNUAL FINANCIAL REPORT FOR THE YEAR ENDED DECEMBER 31, 2003 MINNESOTA - This page intentionally left blank - xx 1685 CROSSTOWN BOULEVARD N.W. ANDOVER, MINNESOTA 55304 (763) 755-5100 x FAX (763) 755-8923 WWW.CI.ANDOVER.MN.US Comprehensive Annual Financial Report of the City of Andover, Minnesota For the Year Ended December 31, 2003 Prepared By: Finance Department City of Andover CITY OF ANDOVER, MINNESOTA TABLE OF CONTENTS Page ReferenceNo. I. INTRODUCTORY SECTION Letter of Transmittal2 Organization10 Organizational Chart11 Certificate of Achievement12 II. FINANCIAL SECTION Independent Auditor's Report14 Management's Discussion and Analysis16 Basic Financial Statements: Government-Wide Financial Statements: Statement of Net AssetsStatement 127 Statement of ActivitiesStatement 228 Fund Financial Statements: Balance Sheet - Governmental FundsStatement 330 Statement of Revenues, Expenditures, and Changes in Fund Balances - Governmental FundsStatement 432 Reconciliation of the Statement of Revenues, Expenditures, and Changes in Fund Balances of Governmental Funds Statement 535 Statement of Net Assets - Proprietary FundsStatement 636 Statement of Revenues, Expenses, and Changes in Fund Net Assets - Proprietary FundsStatement 738 Statement of Cash Flows - Proprietary FundsStatement 840 Statement of Fiduciary Net Assets - Fiduciary FundsStatement 942 Notes to Financial Statements43 Required Supplementary Information: Budgetary Comparison Schedule - General FundStatement 1076 Notes to Required Supplementary Information: Legal Compliance - Budgets78 Modified Approach for City Streets and Trails Infrastructure Capital Assets78 Combining and Individual Fund Statements and Schedules: Nonmajor Governmental Funds: Combining Balance Sheet - Nonmajor Governmental FundsStatement 1183 Combining Statement of Revenues, Expenditures and Changes in Fund Balance - Nonmajor Governmental FundsStatement 1284 CITY OF ANDOVER, MINNESOTA TABLE OF CONTENTS Page ReferenceNo. Nonmajor Special Revenue Funds: Subcombining Balance Sheet - Nonmajor Special Revenue FundsStatement 1386 Subcombining Statement of Revenues, Expenditures and Changes in Fund Balances - Nonmajor Special Revenue FundsStatement 1488 Nonmajor Debt Service Funds: Subcombining Balance Sheet - Nonmajor Debt Service FundsStatement 1592 Subcombining Statement of Revenues, Expenditures and Changes in Fund Balances - Nonmajor Debt Service FundsStatement 1694 Nonmajor Capital Projects Funds: Subcombining Balance Sheet - Nonmajor Capital Project FundsStatement 1798 Subcombining Statement of Revenues, Expenditures and Changes in Fund Balances - Nonmajor Capital Project FundsStatement 18100 Special Revenue Funds: Schedules of Revenues, Expenditures and Changes in Fund Balances - Budget and Actual: ForestryStatement 19102 LRRWMOStatement 20103 Drainage and MappingStatement 21104 EDA GeneralStatement 22105 Trail and TransportationStatement 23106 Right-of-Way Management/UtilityStatement 24107 Capital Equipment ReserveStatement 25108 Construction Seal CoatingStatement 26109 Internal Service Funds: Combining Statement of Net Assets - Internal Service FundsStatement 27111 Combining Statement of Revenues, Expenses, and Changes in Fund Net Assets - Internal Service FundsStatement 28112 Combining Statement of Cash Flows - Internal Service FundsStatement 29113 Agency Funds: Combining Statement of Net Assets - Fuduciary FundsStatement 30115 Capital Assets Used in the Operation of Governmental Funds: Schedule By SourceStatement 31117 Schedule By Function and ActivityStatement 32118 Schedule of Changes By Function and ActivityStatement 33120 Supplementary Financial Information: Combined Schedule of IndebtednessExhibit 1122 Schedule of Tax Capacity Rates and LeviesExhibit 2124 Schedule of Deferred Tax Levies - General Obligation BondsExhibit 3125 Schedule of Fund TransfersExhibit 4126 CITY OF ANDOVER, MINNESOTA TABLE OF CONTENTS Page ReferenceNo. III. STATISTICAL SECTION (UNAUDITED) Government-Wide Information: Government-Wide Expenses By FunctionTable 1130 Government-Wide Revenues By SourceTable 2131 Fund Information: General Fund Revenues By Source - Last Ten Fiscal YearsTable 3132 General Fund Expenditures By Function - Last Ten Fiscal YearsTable 4133 Property Tax Levies and Collections - Last Ten Fiscal YearsTable 5134 Special Assessment Levies and Collections - Last Ten Fiscal YearsTable 6134 Assessed and Estimated Actual Value of Taxable Property - Years 1995 through 2004Table 7135 Ratio of Net Bonded Debt to Assessed Value and Net Bonded Debt Per Capita Last Ten Fiscal YearsTable 8135 Ratio of Annual Debt Service Expenditures for General Bonded Debt to Total General Governmental Expenditures - Last Ten Fiscal YearsTable 9136 Property Tax Rates - Direct and Overlapping Governments - Years 1994 through 2003Table 10136 Computation of Direct and Overlapping Debt Including Debt RatiosTable 11137 Principal TaxpayersTable 12137 Building Permits, Property Values and Households - Last Ten Fiscal YearsTable 13138 DemographicsTable 14139 Miscellaneous Statistical DataTable 15140 I. INTRODUCTORY SECTION  xx 1685 CROSSTOWN BOULEVARD N.W. ANDOVER, MINNESOTA 55304 (763) 755-5100 x FAX (763) 755-8923 WWW.CI.ANDOVER.MN.US March 15, 2004 To the Honorable Mayor and City Council City of Andover 1685 Crosstown Blvd. NW Andover, Minnesota 55304 Dear Honorable Mayor and Council Members: The Comprehensive Annual Financial Report is submitted in conformance with all applicable governing laws and regulations. The following has set the standards forth: *Andover City Policy and Code *The State Auditor, State of Minnesota *Government Finance Officers Association *Governmental Accounting Standards Board RESPONSIBILITY. Responsibility for both the accuracy of the presented data and the completeness of the financial statements including all disclosures rests with the City. We believe the data, as presented, is accurate in all material aspects. This report has been presented in a manner designed to fairly set forth the financial position and results of operations as measured by the financial activity of its various funds. FINANCIAL STATEMENT FORMAT. This Comprehensive Annual Financial Report is presented in three main sections: I.Introductory II.Financial III.Statistical Introduction Theincludes a list of the City's principal officials as of December 31, 2003, the table of contents, organizational Financial Section chart, and this Letter of Transmittal. The includes: (1) independent auditor's opinion; (2) management’s discussion and analysis; (3) government wide and fund financial statements; (4) notes to the financial statements; (5) required supplementary information; (6) the combining statements, individual fund statements; and, (7) the supplemental information. Statistical Section The includes tables and reports of various economic, social, financial and fiscal data designed to reflect trends and ratios. GAAP require that management provide a narrative introduction, overview, and analysis to accompany the basic financial statements in the form of Management’s Discussion and Analysis (MD&A). This letter of transmittal is designed to complement MD&A and should be read in conjunction with it. The City of Andover’s MD&A can be found immediately following the report of the independent auditors. REPORTING ENTITY. All City funds, departments, commissions, and other organizations for which the City of Andover is financially accountable are presented within the Comprehensive Annual Financial Report. The Andover Firefighters’ Relief Association does not meet the established criteria for inclusion in the reporting entity, and accordingly are excluded from this report. GENERAL INFORMATION. The city we know today as Andover was first organized in 1857 under the name “Round Lake Township.” However, in 1860 the name was changedto “Grow Township” in honor of Senator Galusha A. Grow of Pennsylvania. Senator Grow spoke at a political campaign in Anoka that year, and the town name was changed to reflect Senator Grow because of his strong advocacy of the Union cause. At that time, the population was 330 and included the geographical area we know today as Ham Lake. In fact, the area of Ham Lake was considered a part of Grow Township until 1871. In 1972, the Grow Township Board of Supervisors recognized that the town was growing at a very rapid rate. They felt a village form of government would provide better services to the community. Board supervisors then voted in favor of proceeding with the incorporation process. The board voted to submit a new name for the village. “Andover Village” was chosen because the name Andover had historical interest. The historical interest, we believe, came from the Andover train station.  To the Honorable Mayor and City Council City of Andover, Minnesota You may have heard the popular “train myth” about how Andover received its name. The myth states that a train tipped over in a swamp, and an eyewitness, relaying the incident, said it “went over and over,” thereby naming the city “Andover.” However, Anoka County Union Newspaper research reveals that the name Andover first appeared in an article dated March 14, 1899 in the - before train tracks were ever built in the city. The article stated that the Eastern Minnesota line of the Great Northern Railway was in the process of constructing railroad tracks from the Coon Creek Cut-off to the North. The railway announced that new railroad stations with mathematical precision were to be located five miles apart from each other. Thenew stations (from Coon Creek to the North, along the new railroad line) were to be named Andover, Cedar, Bethel, Isanti, Cambridge, Stanchfield, Braham, Grasston, Cornell, and Brook Park. On July 4, 1899, the first train passed through the Andover Station. Where the railway came up with the name Andover still remains unknown. Andover Village was established in 1972 and then became the City of Andover, a city of the fourth class, in 1974. Today the City of Andover’s population exceeds 26,000, classifying it as a third class city. The City of Andover as it exists today consists of 23,040 acres. Andover has a population estimated at 30,000. A rapidly growing suburb of the northern metropolitan area, the City of Andover is approximately sixteen miles from Minneapolis. SERVICES PROVIDED. The City of Andover provides various services to the residents in the community. The current services are: General Government: Mayor and City councilFinancial administrationInformation systems NewsletterElectionsFacility management City clerkAssessingEngineering AdministrationLegalRisk management Human resourcesPlanning and zoning Public Safety: PoliceProtective inspectionAnimal control Fire protectionCivil defense Public Works: Streets and highwaysStreet signsTraffic signals Snow and ice removalCentral equipment maintenanceWater maintenance Street lighting Sanitation: Storm sewersTree preservation & weed controlSanitary sewer maintenance Parks and Recreation Recycling GOVERNMENT STRUCTURE. Andover is a statutory city with the City Council appointing a City Administrator. The City Administrator has operating responsibilities for all City functions. IMPLEMENTATION OF GASB 34 In June 1999, the GASB issued Statement 34, which is the most comprehensive government accounting rule ever developed. This standard substantially changes the way state and local governments report their financial activity. Andover had implemented these changes in 2002. A summary of the most significant changes is as follows: 1.Government-wide financial statements are prepared using full accrual accounting 2.Basic fund financial statements present major funds instead of fund types 3.Budgetary comparisons include original and amended budgets 4.All infrastructures have been capitalized and all capital assets are depreciated except streets and trails that are under the modified approach. 5.A management discussion and analysis is included as required supplemental information  To the Honorable Mayor and City Council City of Andover, Minnesota ECONOMIC CONDITION AND OUTLOOK Very moderate population growth is expected to continue in 2004 and 2005, with an estimated population of 34,500 by 2010. The rate of residential growth slowed substantially in 1999 and 2000 as the availability of residentially zoned property decreased. The City experienced a significant amount of commercial growth during 2000 and 2001. Continual commercial growth is anticipated over the next five to ten years, beyond that growth will slow as the amount of undeveloped commercially zoned property also declines. The City's General Fund has two major categories of revenue, which accounted for 78% of the total in 2003. They are general property taxes at 68%, and charges for services at 10%. In prior years, intergovernmental revenue was the second largest category of revenue for the General Fund. Intergovernmental revenue includes state aids, such as local government aid (LGA), market value homestead credit (MVHC), highway maintenance aid, fire relief aid and police aid; and county grants, such as recycling and community development. During the past several years, the State of Minnesota has made numerous changes to laws pertaining to the distribution of LGA, Homestead and Agricultural Credit Aid (HACA) and MVHC resulting in a significant reduction in intergovernmental revenue. The City was able to make up this loss in aid through an increased tax levy, substantially increasing the local tax rate for 2002. The tax laws that resulted in this change also greatly reduced school district property tax levies, resulting in no net tax increase for most residential property owners. Sweeping changes approved in 2003 resulted in the loss of approximately $590,000 in aid to Andover. The state will allow cities the ability to levy up to 60% of the lost 2003 aid in 2004. LGA, HACA and MVHC for 1998 through 2004 are as follows: YearLGAHACAMVHCTotal 1998$122,651$378,975$-$501,626 1999111,145462,796-573,941 2000119,752490,237-609,989 2001119,758489,991-609,749 2002119,827-563,754683,581 2003*--65,63265,632 2004*--86,86486,864 *Due to the State Legislative actions to deal with the budget deficit, the City will not be receiving any LGA and significantly reduced MVHC. For 1998 through 2000, Cities with populations over 2,500 were under levy limit restrictions imposed by the State. Levy limits severely curb the ability of Cities to generate additional tax revenue needed to respond to an increasing demand for services. For 1999 and 2000, the levy limit formula was modified to allow for increases based on commercial and industrial growth. This was a favorable change for Andover, as the City experienced a surge in commercial growth during the past few years. Levy limits were lifted for 2001 but were reinstated for 2002 and 2003. Strict levy limits were in place for 2004 that did not allow cities the ability to capture residential and commercial market value growth. The State's property tax reform efforts have also included modifications to property class rates. Reductions in the class rates for all major types of property have occurred in 1998, 1999, 2000, and for 2002. These changes resulted in a decrease in the taxable value of most properties. These changes and the impact on various valued properties are shown in the following table:  To the Honorable Mayor and City Council City of Andover, Minnesota Class Rate 199819992000 & 20012002 & 2003 Residential Homestead Value to $75,0001.00%1.00%1.00%1.00% $76,000 to $500,0001.85%1.70%1.65%1.00% Over $500,0001.85%1.70%1.65%1.25% Commercial / Industrial Value to $150,0002.70%2.45%2.40%1.50% Value above $150,0004.00%3.50%3.40%2.00% Tax Capacity 199819992000 & 20012002 & 2003 Taxable Market Value Residential Homestead $100,000$1,213$1,175$1,163$1,000 150,0002,1382,0251,9881,500 200,0003,0632,8752,8132,000 250,0003,9883,7253,6382,500 300,0004,9134,5754,4633,000 Commercial / Industrial $550,000$20,050$17,675$17,200$10,250 750,00028,05024,67524,00014,250 1,000,00038,05033,42532,50019,250 2,500,00098,05085,92583,50049,250 The City received a substantial amount of revenue from licenses and permits from 1990 through 2003. The past 5 years are shown below: RevenuesChange 1999$609,344n/a 2000623,662$14,318 2001720,71297,050 2002588,965(131,747) 2003551,385(37,580) The $131,747 decrease in revenue for 2002 is due to reclassification of plan check fees ($263,535), which were previously recorded as license and permit fee and are now recorded as a charges for services revenue. Revenue from residential building continued to modestly increase through 2002 but declined in 2003, as a reduced number of new residential lots are being added to the overall lot inventory. The City analyzes user fees every year as part of the budget process and makes adjustments where appropriate. Revenue from charges for services totaled $689,427 in 2002, and $647,813 in 2003. The decline is the result of a reduction in fees generated from the declining number of new development projects. EMPLOYMENT The City of Andover’s largest employers are government entities. The Anok-Hennepin School District has a significant presence in the community and Anoka County’s Parks and Highway Departments and Sheriffs Office headquarters are located in Andover. The City of Andover is best classified as a bedroom community, since a majority of the residents commute outside of Andover for employment opportunities. The City does anticipate with the development of Andover Station Commercial Park and Clocktower Commons, that additional employment opportunities will be provided to residents in the near future.  To the Honorable Mayor and City Council City of Andover, Minnesota Major employers in Andover are as follows: Number of FirmType of Business / ProductEmployees ISD No 11 Anoka-HennepinElementary and secondary education523 Anoka County Parks and Highway DepartmentsCounty government and services247 Kottkes' Bus Service, Inc.Bus transportation173 Festival FoodsGrocery store120 Presbyterian Homes of AndoverSenior housing and assisted living facilities86 Ed Fields & Sons, Inc.Vegetable farming70 McDonald'sRestaurant60 Meadow Creek Christian SchoolPrivate education K-1260 MAJOR INITIATIVES FOR THE YEAR. The City has many accomplishments to report for 2003. The following list is a summary of some of the major initiatives completed throughout the year. 1)The September 2003 completion of the City’s 6 million gallon per day (mgd) Water Treatment Plant has initiated a new era of City water services. With the need to meet new state and federal standards on drinking water, the automated production of treated water meets and/or exceeds all federal health guidelines relating to drinking water standards. Plant completion also included the construction of an underground 1.5 million gallon reservoir tank, versus an elevated tower, at a savings to utility customers of over $1.3 million in capital costs. 2)Council approval of the design and development of a new Fire Station (#3) in the northeast section of the City will replace the existing fire facility presently located on the City Center campus on Crosstown Boulevard. The decision to authorize this project was based on several factors associated with a growing service population, improving service response rates, relocation of the existing station on the east side of heavily used commercial railroad tracks, obsolescence of the existing fire station in terms of space and staffing needs and an updated fire services study justifying the need for a relocated third fire station. Anticipated occupancy of this new station is scheduled for November 2004. 3)On-going progress related to the planned construction of a new 140,000 sq. ft. Community Center in partnership with the Greater Minneapolis YMCA. This facility has progressed to the design stage and includes a indoor ice arena seating 800 spectators, an aquatics center with water slides and a fitness center to be operated by the YMCA, and a fieldhouse, with running track and spectator seating for a wide range of indoor sporting events. Fund raising in the form of a Capital Campaign is in progress with the goal of raising $3.5 million by June 30, 2004 to assist in project financing. A decision to move forward with the project is anticipated in early 2004. 4)Continued negotiations with United Properties on the Andover Station south commercial and residential center has led to the approval of site plans calling for the construction of a new 146,000 sq. ft. Target Greatland, a Walgreen’s and the creation of 3 additional building pads in the land area. The Andover Economic Development Authority’s recent approval will result in a dramatic reconfiguration of the area that will create a host of outdoor pedestrian amenities, complete with walking trails, a pergola, and a lighted fountain. In addition, the City has authorized the final plat of the Villages at Andover Station for Bruggeman Homes that will lead to the construction of 75 high-quality multi-family units on the 8.65 acre site located just south of the new Andover Marketplace shopping center. 5)The highly successful hosting of the City’s First Business Appreciation Day to recognize and build awareness of the local business community and strengthen relationships with this important element of the Andover community. This event was coordinated through the Community Development Department and the Greater Anoka Chamber of Commerce. 6)The negotiated acquisition of property for the future expansion of the City Center campus to the west of existing Public Works facilities. Land negotiations with the property owner resulted in a three phase acquisition schedule of approximately 29 acres of land that will enable the City to consider a wide range of expansion options.  To the Honorable Mayor and City Council City of Andover, Minnesota 7)The creation of a Storm Sewer Management Utility Fund to assist in meeting new Federal requirements on the environmental management of storm water discharge. Costs for addressing these stringent federal requirements will be borne by property owners directly through a service fee that is based on their respective and proportionate generation of storm water discharge affecting the City’s environmental resources. Reporting requirements will be handled through the City Engineering Department’s Natural Resource office. 8)The successful establishment of an Annual State of the City address by the Mayor showcasing the past year’s achievements and accomplishments in terms of residential growth, economic development and City programming and services. 9)The successful completion of the City’s Transportation Plan that establishes a strategic vision of where future City transit improvements will be made to accommodate increased motorist demands on the City’s transportation infrastructure. The plan was adopted by the City Council and approved by the Metropolitan Council. 10)A review of the City’s fire service delivery system led to a significant increase in the City’s Insurance Services Office (ISO) fire rating that should benefit property owner insurance rates in the rural areas of the community. Property owners in these affected areas should contact their insurance carriers with this new information regarding how their properties are evaluated for insurance rating factors. 11)The City Council gave final approval on a "Designated Rural Reserve" area for future urbanized growth. This area constitutes 959 acres of land in portions of Andover that are currently located outside the 2020 MUSA boundary. This 18-month long process engaged affected property owners to study the feasibility of providing City utility services and determining future transportation connections in an area once guided for large lot rural development. The Metropolitan Council ratified the designated rural reserve area, which allows the City to prudently plan and economize the development potential of this precious natural resource. 12)Completion of the City's first "Comprehensive Annual Financial Report" (CAFR) rather than "Audited Financial Report" for the year ended December 31, 2002. The 2002 CAFR was a recipient of the "Excellence in Financial Reporting Award” by the Government Finance Officers Association. By internally completing this report, the City realized cost savings in the form of reduced financial consulting fees. 13)Awarded for the second year in a row the Government Finance Officers Association Distinguished Budget Presentation Award for the City's 2003 Annual Budget. This award recognizes excellence in the preparation of the City’s budget document as a policy document, an operations guide, as a financial plan and as a communications device. 14)Completed the two-year process of codifying the City ordinances according to title, section and chapter and consolidating the code in a more logical sequence of City rules, procedures and operations. This two-year effort also resulted in the electronic conversion of all City Ordinances into an on-line database with enhanced search capabilities and download access through the City’s website at www.ci.andover.mn.us under City Codes. 15)Council approval of a zoning change that reduced building pad size from 22,500 square feet/150’ x 150’ to 3,600 square feet. This change has resulted in an environmentally friendly enhancement by allowing builders to preserve existing trees and leave wildlife habitats minimally impacted by new housing development. 16)In response to resident demands for safer student walking areas, the Engineer Department designed and completed the trail along Andover Boulevard from Bluebird Street to Hanson Boulevard. This trail segment safely allows students to . walk to Andover High School, Andover Elementary and Oakview middle School 17)The Fire Department along with the Anoka County Sheriffs Department and Ham Lake fire department co-hosted the annual Kids Safety Camp in June. This year’s camp had a record attendance of 124 kids from all over the Andover, Ham Lake, East Bethel and Oak Grove areas. The planning is already under way for next year’s camp. Residential Development The City continued to grow at a rate, which continues to create both immediate short-term and pressing long-term planning and service related needs. In 2003, the City reviewed plats for a number of new residential developments including Villas of Andover Station (75 townhouse units), Bunker Lake Village (41 small single family lots), Oakview Park (27 lots), Sophie’s Addition (46 lots), Crosstown Meadows (16 townhouse units), Whitetail Ridge (100 lots), Woodland Estates Sixth Addition (90 lots), and Donohue Creekside Addition (2 lots). These plats included a total of 397 single family lots and townhouse units. Private development activities in a number of subdivisions such as Aztec Estates, Nature’s Run, Sunridge, City View Farm, Grey Oaks, Constance Corners, Foxburgh Crossing, Shady Oak Cove, Maple Hollow, Woodland Creek Golf Villas and Woodland Estates Fourth Addition will require City technical oversight in a variety of different areas.  To the Honorable Mayor and City Council City of Andover, Minnesota Commercial Industrial Development Review of commercial developments also increased in 2003 with review of Andover Marketplace East, Andover Clocktower Commons, Molly Professional Office Building Phase II, Constance Free Church Addition, Coon Rapids Christian Church and Fairbanks Properties retail building. These projects total 244,000 square feet of office retail and restaurant space and 44,800 square feet of institutional space with potential expansion for each sector in the future. FOR THE FUTURE. The City continues to focus on quality of life improvements throughout the City. These efforts cover a broad array of areas including, protecting and improving the environment, revitalization of parks and public areas, expanding recreational opportunities, providing cost-effective city services, increased communication between city representatives and the public and added commercial/retail opportunities. The City introduced a Customer Service Satisfaction Program to measure the level of customer satisfaction with City services and programs, continues to effectively use the City newsletter to provide citizens with up to date information on all aspects of city government and programs. Additionally, accessibility to information and programs through the City’s webpage (www.ci.andover.mn.us) is continually being upgraded. FINANCIAL INFORMATION INTERNAL CONTROL. The City's accounting system was developed and is continually evaluated to assure the adequacy of internal accounting controls. Internal accounting controls are designed to provide reasonable but not absolute assurance in the areas of: (1) safeguarding assets against loss from unauthorized use or disposition; and (2) reliability of financial records and convenience of access for preparing financial statements and maintaining accountability for assets. The concept of reasonable assurance adopted by the City of Andover recognizes that: (1) the evaluation of cost and benefits requires estimates and judgments by management; and (2) the cost of a control should not exceed the benefits likely to be derived. All internal controls are evaluated against the above criteria. It is our belief that the City's internal accounting controls adequately safeguard the City's assets and also provide reasonable assurance of properly recording financial transactions BUDGETING CONTROLS. In addition to internal accounting controls, the City maintains budgetary controls. The objective of these budgetary controls is to ensure compliance with legal provisions embodied in the annual budget approved by the City Council. Activities of the General Fund and Special Revenue Funds are included in the annual budget. As demonstrated by the statements and schedules included in the financial section of this report, the City continues to meet its responsibility for sound financial management. CASH MANAGEMENT. Cash temporarily idle during the year was invested in demand deposits, certificates of deposit, U.S. government and agency securities, state and local government securities and commercial paper. The City's investment policy is to minimize credit and market risks while maintaining a competitive yield on its portfolio. Accordingly, deposits are required to be insured by federal depository insurance or collateralized. The City, its agent or a financial institution’s trust department in the City’s name held all collateral on deposits. RISK MANAGEMENT. The City Finance Director performs the duties of risk management. The Finance Director continually reviews the City's exposures to losses, evaluates insurance specifications, coordinates with an insurance broker the placement and renewal of coverage and reviews programs to reduce costs and improve cash flow. Although the City experiences population growth, additional miles of road, payroll, and expenditures increases, the City has been able to keep insurance costs fairly flat over the past four years. OTHER INFORMATION AWARDS. The Government Finance Officers Association (GFOA) of the United States and Canada presented a Distinguished Budget Presentation Award to the City of Andover for it’s annual budget for the fiscal year beginning January 1, 2003. This is the second year in a row the City of Andover has received this award. In order to receive this award, a governmental unit must publish a budget document that meets program criteria as a policy document, as an operations guide, as a financial plan and as a communications device. This award is valid for a period of one year only. We believe that the annual budget for the fiscal year beginning January 1, 2004 continues to conform to the program requirements and have submitted it to the GFOA to determine its eligibility for another award.  To the Honorable Mayor and City Council City of Andover, Minnesota The GFOA also presented the Certificate of Achievement for Excellence in Financial Reporting Award to the City of Andover for its 2002 Comprehensive Annual Financial Report. This was the first time the City of Andover has received this award. In order to receive this award, a government unit must publish an easily readable and efficiently organized comprehensive annual financial report whose contents conform to program standards. Such reports must satisfy both generally accepted accounting principles and applicable legal requirements. This award is valid for a period of one year only. We believe this report for 2003 continues to conform to the Certificate of Achievement Program requirements and have submitted it to the GFOA to determine its eligibility for another award. INDEPENDENT AUDIT. State statutes require an annual audit by independent certified public accountants. HLB Tautges Redpath, Ltd. was engaged by the City to render an opinion on the City's financial statements. The auditor's report on the basic financial statements and combining and individual fund statements and schedules is included in the financial section of this report. ACKNOWLEDGMENTS. The preparation of this report could not have been accomplished without the efficient services of the Finance Department staff and the consultation of the City's auditing firm. Staff members, Lee Brezinka, Deanna Connoy, Charlene Welu, Shirley Clinton, and Brenda Fildes have my sincere appreciation for their contribution to the preparation of this report. I also want to express our appreciation to the Mayor, members of the City Council and the City Administrator, John Erar, for their interest and support in planning and conducting the financial operations of the City in a responsible and progressive manner. Respectfully submitted, James Dickinson Finance Director  CITY OF ANDOVER, MINNESOTA ORGANIZATION December 31, 2003 OfficeName Term MayorMichael GamacheJanuary 4, 2005 Council MemberDon JacobsonJanuary 1, 2007 Council MemberMichael KnightJanuary 4, 2005 Council MemberKen OrttelJanuary 4, 2005 Council MemberJulie TrudeJanuary 1, 2007 City AdministratorJohn ErarAppointed Community Development DirectorWill NeumeisterAppointed City EngineerDavid BerkowitzAppointed Finance DirectorJames DickinsonAppointed Building OfficialDon OlsonAppointed Public Works SuperintendentFrank StoneAppointed Fire ChiefDan WinkelAppointed City ClerkVicki VolkAppointed AttorneyWilliam G. Hawkins & AssociatesAppointed Fiscal ConsultantsEhlers & Associates, Inc.Appointed  CITY OF ANDOVER Organizational Chart  Certificate of Achievement for Excellence ~ in Financial Reporting Presented to City of Andover, Minnesota For its Comprehensive Annual Financial Report for the Fiscal Year Ended " December 31, 2002 A Certificate of Achievement for Excellence in Financial ReportiJ;lg is presented by the Government Finance Officers Association of the United States and Canada to government units and public employee retirement systems whose comprehensive annual financial reports (CAFRs) achieve the highest standards in government accounting and fmancial reporting. ~ President ~/~ Executive Director 12 II. FINANCIAL SECTION  11II Tautges Redpath, Ltd. Certified Public Accountants and Consultants INDEPENDENT AUDITOR'S REPORT To the Honorable Mayor and Members of the City Council City of Andover, Minnesota 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 Andover, Minnesota, as of and for the year ended December 31, 2003 which collectively comprise the City's basic financial statements as listed in the table of contents. These financial statements are the responsibility of the City of Andover, Minnesota's management. Our responsibility is to express an opinion on these basic 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 of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion. In our opinion, the fmancial 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 Andover, Minnesota, as of December 31, 2003, and the respective changes in financial position and cash flows, where applicable, thereof for the year then ended in conformity with accounting principles generally accepted in the United States of America. In accordance with Government Auditing Standards, we have also issued a report dated March 15,2004 on our consideration of the City of Andover, Minnesota's internal control over financial reporting and our tests of its compliance with certain provisions of laws, regulations, contracts and grants. That report is an integral part of an audit performed in accordance with Government Auditing Standards and should be read in conjunction with this report in considering the results of our audit. White Bear Lake Office: 481 0 White Bear Parkway, White Bear Lake, Minnesota 55110, USA Telephone: 651 4267000 Fax: 651 4265004 Hastings Office: 1303 South Frontage Road, Suite 13, Hastings, MN 55033, USA Telephone: 651 4804990 Fax: 651 4265004 HlB Tautges Redpath. ltd. is a member of IIIIIlnl€rnational. A world-wide organization of accounting firms and business advisers. 14 The Management's Discussion and Analysis, the budgetary information and the modified approach information on pages 16 through 24 and 76 through 79, respectively, are not a required part of the basic fmancial statements but are supplementary information required by the Governmental Accounting Standards Board. We have applied certain limited procedures, which consisted principally of inquiries of management regarding the methods of measurement and presentation of the required supplementary information. However, we did not audit the information and express no opinion on it. Our audit was conducted for the purpose of forming an opinion on the financial statements that collectively comprise the City of Andover, Minnesota's basic financial statements. The introductory section, combining and individual fund statements and schedules, supplementary financial information and statistical information as listed in the table of contents are presented for purposes of additional analysis and are not a required part of the basic financial statements. The combining and individual fund statements and schedules and supplemental financial information have been subjected to the auditing procedures applied in the audit of the basic financial statements and, in our opinion, is fairly stated in all material respects, in relation to the basic financial statements taken as a whole. The introductory section and statistical section have not been subjected to the auditing procedures applied in the audit of the basic financial statements and, accordingly, we express no opinion on them. March 15,2004 #Lg ~ I~ ifl HLB TAUTGES REDPATH, LTD. Certified Public Accountants 15 MANAGEMENT’S DISCUSSION AND ANALYSIS As management of the City of Andover, we offer readers of the City of Andover’s financial statements this narrative overview and analysis of the financial activities of the City for the fiscal year ended December 31, 2003. We encourage readers to consider the information presented here in conjunction with additional information that we have furnished in our letter of transmittal, which can be found on pages 2 through 9 of this report. Financial Highlights The assets of the City of Andover exceeded its liabilities at the close of the most recent fiscal year by $121,926,269 (Net assets). Of this amount, $21,890,432 (unrestricted net assets) may be used to meet the government’s ongoing obligations to citizens and creditors in accordance with the City's fund designations and fiscal policies. The City’s total net assets increased by $4,063,542, primarily due to the addition of utility infrastructure. As of the close of the current fiscal year, the City of Andover’s governmental funds reported combined ending fund balances of $19,676,042. SpecialDebtCapital GeneralRevenueServiceProjectsTotals Reserved$87,766$-$1,567,365$609,339$2,264,470 Designated2,505,2611,207,537-14,698,49518,411,293 Undesignated-18,089(9,706)(1,008,104)(999,721) $2,593,027$1,225,626$1,557,659$14,299,730$19,676,042 The City’s total long-term liabilities increased by $823,658 during the current fiscal year, from $37,987,843 to $38,811,501. BeginningEnding BalanceAdditionsReductionsBalance Governmental activities: Bonds payable$27,845,000$6,904,000$(6,124,000)$28,625,000 Compensated absences314,213246,644(213,323)347,534 Total governmental activities28,159,2137,150,644(6,337,323)28,972,534 Business-type activities: Bonds payable9,780,000--9,780,000 Compensated absences48,63047,745(37,408)58,967 Total business-type activities9,828,63047,745(37,408)9,838,967 Total City long-term liabilities$37,987,843$7,198,389$(6,374,731)$38,811,501 Overview of the Financial Statements The discussion and analysis are intended to serve as an introduction to the City of Andover’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 of Andover’s finances, in a manner similar to a private-sector business. The statement of net assets presents information on all of the City of Andover’s assets and liabilities, with the difference between the two reported as net assets. Over time, increases or decreases in net assets may serve as a useful indicator of whether the financial position of the City of Andover is improving or deteriorating.  Management’s Discussion and Analysis The statement of activities presents information showing how the City’s net assets changed during the most recent fiscal year. All changes in net assets 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 of Andover 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 of Andover include general government, public safety, public works, sanitation, parks and recreation, recycling and economic development. The business-type activities of the City of Andover include water, sewer and storm sewer. The government-wide financial statements can be found on pages 27 through 29 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 of Andover, 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 of Andover 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 spend-able resources, as well as on balances of spend-able 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 statement. 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 balances provide a reconciliation to facilitate this comparison between governmental funds and governmental activities. The City of Andover maintains seven 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 balances for the following major funds: General fund; TIF Commercial Revitalization Debt Service Fund (DSF); and the following capital projects funds (CPF): Water Trunk, Sewer Trunk, Road and Bridge, Building Fund and Permanent Improvement Revolving. Data from the other governmental funds are combined into a single, aggregated presentation. Individual fund data for each of these non- major governmental funds is provided in the form of combining statements elsewhere in this report. The City of Andover adopts an annual appropriated budget for its general and special revenue funds. A budgetary comparison statement has been provided for those funds to demonstrate compliance with this budget. The basic governmental fund financial statements can be found on pages 30 through 35 of this report. Proprietary funds . When the City charges customers for the services it provided – whether to outside customers or to other departments of the City – these services are generally reported in proprietary funds. Proprietary funds are reported in the same way that all activities are reported in the statement of net assets and the statement of revenues, expenses and changes in net assets. The enterprise funds are the same as the business-type activities reported in the government-wide statements but provide more detail and additional information, such as cash flows, for proprietary funds. The City of Andover uses enterprise funds to account for its water, sanitary sewer and storm sewer operations. Internal service funds are used to report activities that provide supplies and services for the City’s other departments, such as the equipment maintenance and insurance funds. The internal service funds are reported with governmental activities in the government-wide financial statements. The basic proprietary fund financial statements can be found on pages 36 through 41 of this report. Fiduciary funds . Fiduciary funds are used to account for resources held for the benefit of parties outside the government. Fiduciary funds are not reflected in the government-wide financial statements because the resources of those funds are not available to support the City of Andover’s own program. The accounting used for fiduciary funds is much like that used for proprietary funds. The basic fiduciary fund financial statement can be found on page 42 of this report.  Management’s Discussion and Analysis 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 on pages 43 through 73 of this report. Other information. The combining statements referred to earlier in connection with non-major governmental funds is presented immediately following the required supplementary information on budgetary comparisons, and on the modified approach for streets and trails infrastructure. Combining and individual fund statements and schedules can be found on pages 83 through 120 of this report. Government-wide Financial Analysis As noted earlier, net assets may serve over time as a useful indictor of a government's financial position. In the case of the City of Andover, assets exceeded liabilities by $121,926,269 at the close of the most recent fiscal year. The largest portion of the City of Andover’s net assets ($95,320,925 or 78 percent) reflects its investment in capital assets (e.g. land, buildings, machinery, and equipment) less any related debt used to acquire those assets that is still outstanding. The City of Andover uses these capital assets to provide services to citizens; consequently, these assets are not available for future spending. Although the City of Andover'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 ANDOVER’S NET ASSETS Governmental ActivitiesBusiness-Type ActivitiesTotals 200220032002200320022003 Current and other assets$23,718,986$27,347,243$8,272,751$3,447,513$31,991,737$30,794,756 Capital assets93,236,46691,026,35933,190,99143,339,802126,427,457134,366,161 Total assets116,955,452118,373,60241,463,74246,787,315158,419,194165,160,917 Long-term liabilities outstanding28,159,21328,972,5349,828,6309,838,96737,987,84338,811,501 Other liabilities1,739,6034,189,504829,021233,6432,568,6244,423,147 Total liabilities29,898,81633,162,03810,657,65110,072,61040,556,46743,234,648 Net assets: Invested in capital assets, net of related debt64,911,47961,941,54123,170,43433,379,38488,081,91395,320,925 Restricted5,882,4514,277,8354,337,170437,07710,219,6214,714,912 Unrestricted16,262,70618,992,1883,298,4872,898,24419,561,19321,890,432 Total net assets$87,056,636$85,211,564$30,806,091$36,714,705$117,862,727$121,926,269 A portion of the City of Andover's net assets represents resources that are subject to external restrictions on how they may be used. The remaining balance of unrestricted net assets ($21,890,432) may be used to meet the City's ongoing obligations to citizens and creditors. At the end of the current fiscal year, the City of Andover is able to report positive balances in all three categories of net assets, both for the government as a whole, as well as for its separate governmental and business-type activities.  Management’s Discussion and Analysis Government-wide Activities Governmental activities decreased the City of Andover's net assets by $1,845,072 and business-type activities increased net assets by $5,908,614. Key elements of the activities are as follows: City of Andover's Changes in Net Assets Governmental ActivitiesBusiness-Type ActivitiesTotal 200220032002200320022003 Revenues: Program revenues: Charges for services$1,801,772$1,721,434$2,378,114$2,828,020$4,179,886$4,549,454 Operating grants and contributions946,495732,011--946,495732,011 Capital grants and contributions5,849,6835,350,283373,550-6,223,2335,350,283 General revenues: Property taxes5,076,3745,682,498--5,076,3745,682,498 Tax increment842,6071,140,040--842,6071,140,040 Grants and contributions not restricted to specific programs763,049158,694--763,049158,694 Unrestricted investments earnings821,002568,042458,311(94,931)1,279,313473,111 Total revenues16,100,98215,353,0023,209,9752,733,08934,663,95921,296,066 Expenses: General government2,386,5682,431,252--2,386,5682,431,252 Public safety2,474,2842,766,694--2,474,2842,766,694 Public works4,819,4293,361,255--4,819,4293,361,255 Sanitation264,671160,548--264,671160,548 Parks and recreation856,806802,131--856,806802,131 Recycling116,344115,016--116,344115,016 Economic development720,460470,172--720,460470,172 Interest on long-term debt1,667,9431,255,888--1,667,9431,255,888 Water--1,526,5261,737,5961,526,5261,737,596 Sewer--1,206,8651,344,8571,206,8651,344,857 Storm sewer---168,203-168,203 Total expenses13,306,50511,362,9562,733,3913,250,65616,039,89614,613,612 Increase (decrease) in net assets before gain on the sale of capital assets and transfers2,794,4773,990,046476,584(517,567)3,271,0613,472,479 Gain on the sale of capital assets1,316,054591,063--1,316,054591,063 Transfers770,062(6,426,181)(770,062)6,426,181-- Increase in net assets4,880,593(1,845,072)(293,478)5,908,6144,587,1154,063,542 Net assets - January 182,176,04387,056,63631,099,56930,806,091113,275,612117,862,727 Net assets - December 31$87,056,636$85,211,564$30,806,091$36,714,705$117,862,727$121,926,269  Management’s Discussion and Analysis Below are specific graphs which provide comparisons of the governmental activities revenues and expenditures: Governmental Activities - Revenues Unrestricted Charges for services Grants and investments earnings 11% contributions not 4% Tax increment restricted for specific 7% programs 1% Capital grants and Property taxes contributions 37% 35% Operating grants and contributions 5% Governmental Activities - Expenses Interest on long-term debt Economic 11% General government development 21% 4% Parks and recreation 7% Recycling Sanitation 1% 1% Public safety 24% Public works 31%  Management’s Discussion and Analysis Business-Type Activities Business-type activities increased net assets by $5,908,614. Below are graphs showing the business-type activities revenue and expense comparisons: Business-Type Activities - Revenues Unrestricted investments earnings 3% Charges for services 97% Business-Type Activities - Expenses Storm sewer 5% Sewer Water 41% 54%  Management’s Discussion and Analysis Financial Analysis of the Government's Funds Governmental Funds . The focus of the City of Andover’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 of Andover’s financing requirements. In particular, unreserved fund balance may serve as 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 of Andover's governmental funds reported combined ending fund balances of $19,676,042. Approximately 88 percent of this total amount ($17,411,572) constitutes unreserved fund balance. The remainder of the fund balance ($2,264,470) is reserved because it has already been committed 1) to provide for prepaid items ($3,239), 2) to provide for inventory ($84,527), 3) to provide for an interfund loan ($150,000), 4) to pay debt service ($1,567,365) and 5) bond proceeds specified for a project ($459,339). The general fund decreased by $221,945 in 2003, which was directly related to the state aid cuts passed on to local governments ($589,933) and the budgeted use of fund balance ($300,294). To provide a short-term fix to state aid cuts in 2004, the tax levy was increased. The water trunk, sewer trunk, road & bridge and permanent improvement revolving capital projects fund increased primarily due to the prepayments of assessments on improvement projects. The building fund capital projects fund decreased by $266,220 for 2003 due to preliminary construction fees associated with a community center project. Proprietary funds . The City of Andover’s proprietary funds provide the same type of information found in the government-wide financial statements, but in more detail. The unrestricted net assets in the respective proprietary funds are enterprise funds of $2,878,375 (water $1,569,423, sewer $1,268,468 and storm sewer $40,484) and internal service funds of $281,495. The water and storm sewer enterprise funds had increases in net assets in 2003 of $281,166 and $6,054,354 respectively, while the sewer enterprise fund net assets decreased $436,009. The significant increase for the stormsewer fund reflects the inaugural year of the fund and the recognition of the infrastructure. The internal service funds had increases in net assets of $43,487. Budgetary Highlights General Fund The revenue and expenditure budget was amended due to the state budget reductions affecting local government aid ($119,842) and market value homestead credit aid ($470,108) directly related to the City. The budget was also amended mid-year for the creation of a storm water enterprise fund previously accounted for in the general fund. Capital Asset and Debt Administration Capital assets . The City of Andover’s investment in capital assets for its governmental and business type activities as of December 31, 2003, amounts to $134,366,161 (net of accumulated depreciation). This investment in capital assets includes land, buildings, infrastructure, machinery and equipment. The City has elected to use the modified approach as defined in GASB Statement No. 34 for infrastructure reporting for its Pavement Management Program, which includes streets and trails. Under GASB Statement No. 34, eligible infrastructure capital assets are not required to be depreciated under the following requirements: 1)The City manages the eligible infrastructure capital assets using an asset management system with characteristics of (a) an up to- date inventory; (2) perform condition assessments and summarize the results using a measurement scale; and (3) estimate annual amount to maintain and preserve at the established condition assessment level. 2)The City documents that the eligible infrastructure capital assets are being preserved approximately at or above the established and disclosed condition assessment level. The City’s policy is to achieve an average rating of good (56 – 70) for all streets and trails. In the fall of 2002, the City conducted a physical condition assessment of the streets and trails. This assessment will be performed every three years. As of December 31, 2002, the City’s street and trail system was rated at an Overall Condition Index (OCI) of 82, which is higher than the City’s policy level. The City’s streets and trails are constantly deteriorating resulting from the following factors: (1) traffic using the system; (2) the sun’s ultra-violet rays drying out and breaking down the top layer of pavement; (3) utility company/private development trenching operations; (4) water damage from natural precipitation; and (5) frost heave. The City is continuously taking actions to prolong the life of the system through short-term maintenance activities such as pothole patching, crack sealing, seal coating and overlaying. The City expended $956,688 on street and trail  Management’s Discussion and Analysis maintenance for the year ending December 31, 2003. These expenditures delayed deterioration; however, the overall condition of the system was not improved through these maintenance expenditures. The City has estimated that the amount of annual expenditures required to maintain the City’s street and trail system at the average OCI rating of good is approximately $950,000. BeginningEnding Primary Government BalanceAdditionsDeletionsBalance Governmental activities: Land and improvements$8,013,110$453,717$(198,674)$8,268,153 Streets and trails69,740,833867,955-70,608,788 Construction in progress1,162,1373,537,401(1,045,212)3,654,326 Buildings and improvements5,710,212126,556(84,393)5,752,375 Furniture and equipment59,38728,228-87,615 Machinery and equipment5,399,634199,839(509,122)5,090,351 Other park improvements2,774,922235,797(10,000)3,000,719 Storm sewers7,045,960-(7,045,960)- Total capital assets 99,906,1955,449,493(8,893,361)96,462,327 Less accumulated depreciation for: Buildings and improvements1,567,271199,506(84,393)1,682,384 Furniture and equipment55,7302,456-58,186 Machinery and equipment2,528,025428,365(234,800)2,721,590 Other park improvements863,896115,912(6,000)973,808 Storm sewers1,654,80777,031(1,731,838)- Total accumulated depreciation6,669,729823,270(2,057,031)5,435,968 Governmental activities capital assets - net93,236,4664,626,223(6,836,330)91,026,359 Business-type activities: Land and improvements196,387196,400-392,787 Construction in progress6,094,1133,600,224(590,114)9,104,223 Buildings and improvements4,402,174333,752-4,735,926 Furniture and equipment29,3559,280-38,635 Machinery and equipment489,477411,365-900,842 Collection and distribution31,490,9729,031,969-40,522,941 Total capital assets being depreciated42,702,47813,582,990(590,114)55,695,354 Less accumulated depreciation for: Buildings and improvements1,990,476190,553-2,181,029 Furniture and equipment29,355464-29,819 Machinery and equipment339,126200,151-539,277 Collection and distribution7,152,5302,452,897-9,605,427 Total accumulated depreciation9,511,4872,844,065-12,355,552 Business-type activities capital assets - net33,190,99110,738,925(590,114)43,339,802 Total capital assets$126,427,457$15,365,148$(7,426,444)$134,366,161 Additional information on the City of Andover’s capital assets can be found in Note 5. Long-term debt . At the end of the current fiscal year, the City of Andover had total long-term debt outstanding of $38,811,501, an increase of $823,658 from 2002. General obligation revenue bonds ($11,825,000) were used to finance the addition to the public works facility and the water treatment facility (currently being constructed). Special assessment bonds ($1,255,000) financed improvement projects within the City and are assessed to the benefiting properties. Tax increment bonds ($9,815,000) financed the City’s economic development plan.  Management’s Discussion and Analysis Certificates of indebtedness ($1,665,000) financed capital equipment purchases. Permanent improvement revolving bonds ($11,375,000) financed improvement projects within the City and are assessed to the benefiting properties. State aid bonds ($2,470,000) were used to finance Municipal State Aid (MSA) eligible road projects. Additional long-term debt in the amount of $406,501 is for compensated absences. City of Andover’s Outstanding Debt GovernmentalBusiness-Type ActivitiesActivitiesTotal Bonds payable: G.O. revenue bonds$2,045,000$9,780,000$11,825,000 Special assessment bonds1,255,000-1,255,000 Tax increment bonds9,815,000-9,815,000 Certificates of indebtedness1,665,000-1,665,000 Permanent improvement revolving bonds11,375,000-11,375,000 State aid bonds2,470,000-2,470,000 Total bonds payable28,625,0009,780,00038,405,000 Compensated absences347,53458,967406,501 Total$28,972,534$9,838,967$38,811,501 The City of Andover maintains an A+ rating with a stable outlook from Standard and Poor’s. State statutes limit the amount of general obligation debt a Minnesota city may issue to 2% of total Estimated Taxable Market Value. The current debt limitation for the City of Andover is $39,325,686. Only $3,627,485 of the City's outstanding debt is counted within the statutory limitation. Additional information on the City of Andover’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 of Andover’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 City of Andover, Attn: Finance Director, 1685 Crosstown Boulevard NW, Andover, Minnesota 55304 or by calling 763-755-5100.  BASIC FINANCIAL STATEMENTS  - This page intentionally left blank -  CITY OF ANDOVER, MINNESOTA STATEMENT OF NET ASSETSStatement 1 December 31, 2003 Primary Government Totals (Memorandum Only) GovernmentBusiness-Type ActivitiesActivities20032002 Assets: Cash and investments$23,043,924$2,611,544$25,655,468$25,677,672 Restricted assets: Cash and investments---45,504 Accrued interest66,3537,95374,30686,522 Due from other governmental units78,5761,35879,93497,581 Accounts receivable - net100,686730,939831,625742,911 Prepaid items47,81952,867100,68691,353 Property taxes receivable: Unremitted184,797-184,79770,181 Delinquent124,610-124,610109,923 Special assessments receivable: Unremitted10,76726211,0294,167 Delinquent43,6315,69849,32937,404 Deferred3,496,053-3,496,0534,820,961 Notes receivable15,595-15,59537,943 Inventories - at cost134,43236,892171,324169,615 Capital assets - net Nondepreciable82,531,2679,497,01092,028,27785,206,580 Depreciable8,495,09233,842,79242,337,88441,220,877 Total assets118,373,60246,787,315165,160,917158,419,194 Liabilities: Interfund payable19,869(19,869)-- Accounts payable91,88827,432119,320107,376 Contracts payable705,49412,164717,658879,484 Developer advances2,197,711-2,197,711- Deposits payable2,7005,5348,2344,000 Due to other governmental units109,0316,815115,846257,857 Salaries payable121,32521,149142,474131,317 Unearned revenue481,668-481,668468,046 Accrued interest payable459,818180,418640,236720,544 Compensated absences: Due in more than one year347,53458,967406,501362,843 Bonds/notes payable: Due within one year6,919,000310,0007,229,0004,415,000 Due in more than one year21,706,0009,470,00031,176,00033,210,000 Total liabilities33,162,03810,072,61043,234,64840,556,467 Net assets: Invested in capital assets, net of related debt61,941,54133,379,38495,320,92588,081,913 Restricted for: Debt service2,173,972-2,173,9722,816,396 Capital improvements458,290437,077895,3675,236,408 Tax increment purposes1,645,573-1,645,5732,166,817 Unrestricted18,992,1882,898,24421,890,43219,561,193 Total net assets$85,211,564$36,714,705$121,926,269$117,862,727 The accompanying notes are an integral part of these financial statements.  CITY OF ANDOVER, MINNESOTA STATEMENT OF ACTIVITIES For The Year Ended December 31, 2003 Program Revenues ChargesOperatingCapital ForGrants andGrants and ExpensesServicesContributionsContributions Functions/Programs Primary government: Government activities: General government$2,431,252$593,568$-$47,515 Public safety2,766,694793,306239,451- Public works3,361,255312,110197,9604,933,417 Sanitation160,548--- Parks and recreation802,131--369,351 Recycling115,01622,45055,570- Economic development470,172--- Interest on long-term debt1,255,888-239,030- Total government activities11,362,9561,721,434732,0115,350,283 Business-type activities: Water1,737,5961,399,798-- Sewer1,344,8571,309,584-- Storm sewer168,203118,638-- Total business-type activities3,250,6562,828,020-- Total primary government$14,613,612$4,549,454$732,011$5,350,283 The accompanying notes are an integral part of these financial statements.  Statement 2 Net (Expense) Revenue and Changes in Net Assets Primary Government Totals (Memorandum Only) GovernmentalBusiness-Type ActivitiesActivities20032002 $(1,790,169)$-$(1,790,169)$(1,800,378) (1,733,937)-(1,733,937)(1,357,634) 2,082,232-2,082,2321,467,194 (160,548)-(160,548)(264,671) (432,780)-(432,780)(571,479) (36,996)-(36,996)(31,214) (470,172)-(470,172)(720,460) (1,016,858)-(1,016,858)(1,429,913) (3,559,228)-(3,559,228)(4,708,555) -(337,798)(337,798)(219,278) -(35,273)(35,273)237,551 -(49,565)(49,565)- -(422,636)(422,636)18,273 (3,559,228)(422,636)(3,981,864)(4,690,282) General revenues: General property taxes5,682,498-5,682,4985,076,374 Tax increment collections1,140,040-1,140,040842,607 Grants and contributions not restricted to specific programs158,694-158,694763,049 Unrestricted investment earnings568,042(94,931)473,1111,279,313 Gain on sale of capital assets591,063-591,0631,316,054 Transfers(6,426,181)6,426,181-- Total general revenues, gain on sale of capital assets and transfers1,714,1566,331,2508,045,4069,277,397 Change in net assets(1,845,072)5,908,6144,063,5424,587,115 Net assets - beginning87,056,63630,806,091117,862,727113,275,612 Net assets - ending$85,211,564$36,714,705$121,926,269$117,862,727  CITY OF ANDOVER, MINNESOTA BALANCE SHEET GOVERNMENTAL FUNDS December 31, 2003 TIF Commercial RevitalizationWater TrunkSewer Trunk GeneralDSFCPFCPF Assets Cash and investments$2,611,103$455,564$1,692,768$735,597 Accrued interest 5,2297134,9291,849 Due from other governmental units33,390--- Accounts receivable - net49,927--- Interfund receivable--120,000- Prepaid items3,239--- Property taxes receivable: Unremitted86,76233,806-- Delinquent91,95319,566-- Special assessments receivable: Unremitted661,661-4,293 Delinquent1,85834,1961,311- Deferred-107,94955,05915,348 Notes receivable---- Interfund loan receivable---- Inventory84,527--- Total assets2,968,054653,4551,874,067757,087 Liabilities and Fund Balances Liabilities: Interfund payable---- Accounts payable57,269--- Contracts payable11,978--- Developer advances---- Deposits payable2,700--- Due to other governmental units99,636--- Salaries payable106,060--- Interfund loan payable---- Deferred revenue97,384161,71156,37015,348 Total liabilities375,027161,71156,37015,348 Fund balances: Reserved for: Prepaid items3,239--- Inventory84,527--- Debt service-491,744-- Projects---- Interfund loan---- Unreserved reported in: Designated: General fund2,505,261--- Special revenue funds---- Capital projects funds--1,817,697741,739 Undesignated: Special revenue funds---- Debt service funds---- Capital projects funds---- Total fund balances2,593,027491,7441,817,697741,739 Total liabilities and fund balances$2,968,054$653,455$1,874,067$757,087 Fund balance reported above Amounts reported for governmental activities in the statement of net assets are different because: Capital assets used in governmental activities are not financial resources and, therefore, are not reported in the funds. Other long-term assets are not available to pay for current-period expenditures and, therefore, are deferred in the funds. Internal service funds are used by management to charge the cost of equipment maintenance and insurance to individual funds. The assets and liabilities are included in the governmental activities statement of net assets along with a deduction of net revenue attributable to business-type activities. Long-term liabilities, including bonds payable, are not due and payable in the current period and, therefore, are not reported in the funds. Net assets of governmental activities The accompanying notes are an integral part of these financial statements.  Statement 3 Permanent Totals (Memorandum Only) Road &ImprovementOtherIntra BridgeBuilding FundRevolvingGovernmentalActivityGovernmental Funds CPFCPFCPFFundsEliminations20032002 $2,082,754$14,254$9,511,901$5,741,356$-$22,845,297$18,001,163 7,39568429,50515,377-65,68161,026 3,604--41,582-78,57696,197 --3,75047,009-100,686162,584 635,000--20,000(775,000)-- -----3,2394,152 10,918--53,311-184,79770,181 ---13,091-124,610109,923 228-5433,976-10,7674,135 752-295,485-43,63134,225 280,545-2,491,373545,779-3,496,0534,818,360 ---15,595-15,59537,943 --150,000-(150,000)-- -----84,52768,175 3,021,19614,93812,187,1016,502,561(925,000)27,053,45923,468,064 ---775,000(775,000)-- -5,23741824,568-87,49287,866 15,866261,206314,186102,258-705,494318,680 --2,197,711--2,197,711- -----2,7001,900 -321,5336,831-108,032251,700 ---8,371-114,431107,744 ---150,000(150,000)-- 281,297-2,491,4021,058,045-4,161,5575,468,497 297,163266,4755,005,2502,125,073(925,000)7,377,4176,236,387 -----3,2394,152 -----84,52768,175 ---1,075,621-1,567,3651,665,451 ---459,339-459,339899,238 --150,000--150,000- -----2,505,2612,742,645 ---1,207,537-1,207,5371,083,966 2,724,033-7,031,8512,383,175-14,698,49511,565,955 ---18,089-18,089(1,804) ---(9,706)-(9,706)- -(251,537)-(756,567)-(1,008,104)(796,101) 2,724,033(251,537)7,181,8514,377,488-19,676,04217,231,677 $3,021,196$14,938$12,187,101$6,502,561$(925,000)$27,053,459$23,468,064 $19,676,042$17,231,677 91,026,35993,236,466 3,679,8895,000,451 261,626227,242 (29,432,352)(28,639,200) $85,211,564$87,056,636  CITY OF ANDOVER, MINNESOTA STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCE GOVERNMENTAL FUNDS For The Year Ended December 31, 2003 TIF Commercial RevitalizationWater TrunkSewer Trunk GeneralDSFCPFCPF Revenues: General property taxes$4,286,838$-$-$- Tax increment collections-479,126-- Licenses and permits551,385--- Intergovernmental508,05440,074-- Special assessments-64,509766,758331,507 Charges for services647,813--- Fines68,686--- Investment income(6,407)(8,721)45,32834,135 Miscellaneous Park dedication fees---- Connection charges--797,979246,773 Other226,868--- Total revenues6,283,237574,9881,610,065612,415 Expenditures: Current: General government1,915,314--- Public safety2,631,991--- Public works1,108,578-17,42011,625 Sanitation80,901--- Parks and recreation574,719--- Recycling114,784--- Economic development---- Unallocated25,865--- Capital outlay: General government---- Public safety---- Public works17,714-39,578132,752 Sanitation---- Parks and recreation24,285--- Debt service: Principal retirement-1,845,000-- Interest-336,863-- Paying agent fees-300-- Professional services-2,997-- Construction/acquisition costs---- Total expenditures6,494,1512,185,16056,998144,377 Revenues over (under) expenditures(210,914)(1,610,172)1,553,067468,038 Other financing sources (uses): Transfers in165,0001,624,440350,000390,000 Transfers out(190,310)-(1,393,405)(127,957) Bonds issued---- Bond premium---- Bond discount---- Proceeds from the sale of capital assets14,279--- Total other financing sources (uses)(11,031)1,624,440(1,043,405)262,043 Net increase (decrease) in fund balance(221,945)14,268509,662730,081 Fund balance - January 12,814,972477,4761,308,03511,658 Fund balance - December 31$2,593,027$491,744$1,817,697$741,739 The accompanying notes are an integral part of these financial statements.  Statement 4 Permanent Totals (Memorandum Only) Road &ImprovementOtherIntra Governmental Funds BridgeBuilding FundRevolvingGovernmentalActivity CPFCPFCPFFundsEliminations20032002 $543,587$-$-$840,852$-$5,671,277$5,060,053 ---657,448-1,136,574878,567 -----551,385588,965 17,735--324,842-890,7051,764,078 665,656-2,844,587448,619-5,121,6364,183,796 ---215,981-863,794870,941 -----68,68673,475 70,7408,136327,29693,317-563,824812,896 ---357,483-357,483280,312 -----1,044,7521,281,670 -47,515-138,369(20,000)392,752338,905 1,297,71855,6513,171,8833,076,911(20,000)16,662,86816,133,658 -116,987-149,053-2,181,3542,173,992 -----2,631,9912,352,909 501,715-869,211627,532-3,136,0814,603,715 -----80,901110,213 ---38,359-613,078689,161 -----114,784116,005 ---471,172-471,172720,960 -----25,86530,614 ---28,228-28,22858,943 ---129,825-129,825317,699 5,982-1,110,36094,336-1,400,722822,284 --191,391120,186-311,57765,215 -443,239-272,457-739,981701,132 ---4,279,000-6,124,0007,070,000 ---939,194-1,276,0571,768,509 ---3,124-3,4243,415 ---25,015-28,01224,850 -607,8532,721,376183,886-3,513,115758,953 507,6971,168,0794,892,3387,361,367-22,810,16722,388,569 790,021(1,112,428)(1,720,455)(4,284,456)(20,000)(6,147,299)(6,254,911) -846,208333,7523,739,272(6,119,763)1,328,909754,062 --(1,873,608)(3,039,653)6,139,763(485,170)- --4,580,0002,324,000-6,904,000- ---5,188-5,188- --(3,169)--(3,169)- ---827,627-841,9062,139,961 -846,2083,036,9753,856,43420,0008,591,6642,894,023 790,021(266,220)1,316,520(428,022)-2,444,365(3,360,888) 1,934,01214,6835,865,3314,805,510-17,231,67720,592,565 $2,724,033$(251,537)$7,181,851$4,377,488$-$19,676,042$17,231,677  - This page intentionally left blank -  CITY OF ANDOVER, MINNESOTA RECONCILIATION OF THE STATEMENT OF REVENUES,Statement 5 EXPENDITURES, AND CHANGES IN FUND BALANCES OF GOVERNMENTAL FUNDS For The Year Ended December 31, 2003 20032002 Amounts reported for governmental activities in the statement of activities (page 33) are different because: Net changes in fund balances - total governmental funds (page 33)$2,444,365$(3,360,888) 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. This is the amount by which capital outlays exceeded depreciation in the current period.5,300,1781,862,617 The net effect of various miscellaneous transactions involving capital assets is to decrease net assets (i.e., sales, trade-ins, and donations).(240,365)(450,357) Revenues in the statement of activities that do not provide current financial resources are not reported as revenues in the funds.(1,320,562)(22,782) The issuance of long-term debt (e.g., bonds, leases) provides current financial resources to governmental funds, while the repayment of the principal of long-term debt consumes the current financial resources of governmental funds. Neither transaction, however, has any effect on net assets. This amount is the net effect of these differences in the treatment of long-term debt and related items.(780,000)7,070,000 Transfer out of governmental capital assets contributed to Enterprise Funds.(7,269,920)(373,550) Some expenses reported in the statement of activities do not require use of current financial resources and, therefore, are not reported as expenditures in governmental funds.(13,152)100,287 Internal service funds are used by management to charge the cost of equipment maintenance and insurance to individual funds. This amount is the portion of net revenue attributable to governmental activities.34,38455,266 Change in net assets of governmental activities (page 29)$(1,845,072)$4,880,593 The accompanying notes are an integral part of these financial statements.  CITY OF ANDOVER, MINNESOTA STATEMENT OF NET ASSETS PROPRIETARY FUNDS December 31, 2003 WaterSewerStorm Sewer Assets Current assets: Cash and cash equivalents$1,728,208$881,967$1,369 Restricted assets: Cash and cash equivalents--- Accrued interest5,3602,593- Due from other governmental units-858500 Accounts receivable - net302,009358,80170,129 Interfund receivable12,000-- Prepaid items-52,867- Special assessments receivable: Unremitted131131- Delinquent2,2693,429- Deferred--- Inventories - at cost36,892-- Total current assets2,086,8691,300,64671,998 Noncurrent assets: Capital assets: Land392,787-- Buildings and structures4,735,926-- Machinery and equipment252,010311,903375,564 Distribution and collection system12,844,56820,067,1847,611,189 Construction in progress9,104,223-- Total capital assets27,329,51420,379,0877,986,753 Less: Allowance for depreciation(4,998,159)(5,384,510)(1,972,883) Total noncurrent assets22,331,35514,994,5776,013,870 Total assets24,418,22416,295,2236,085,868 Liabilities Current liabilities: Interfund payable--12,000 Accounts payable21,4423,0912,899 Contracts payable5,689-6,475 Deposits payable5,534-- Interest payable180,418-- Due to other governmental units2,6353,842338 Salaries payable11,3177,2372,595 Bonds payable - due within one year310,000-- Total current liabilities537,03514,17024,307 Noncurrent liabilities: Bonds payable - due in more than one year9,470,000-- Compensated absences payable 33,75218,0087,207 Total noncurrent liabilities9,503,75218,0087,207 Total liabilities10,040,78732,17831,514 Net assets Invested in capital assets, net of related debt12,370,93714,994,5776,013,870 Restricted437,077-- Unrestricted1,569,4231,268,46840,484 Total net assets$14,377,437$16,263,045$6,054,354 Net assets reported above Amounts reported for business-type activities in the statement of net assets are different because: Internal service funds are used by management to charge the cost of equipment maintenance and insurance to individual funds. This amount is the portion of net revenue attributable to business-type activities. Net assets of business-type activities The accompanying notes are an integral part of these financial statements.  Statement 6 Totals IntraGovernmental Activities - TotalsInternal Service Funds Activity Eliminations2003200220032002 $-$2,611,544$7,507,752$198,627$168,757 --45,504-- -7,95324,939672557 -1,3581,384-- -730,939580,327-- (12,000)---- -52,86751,35044,58035,851 -26232-- -5,6983,179-- --2,601-- -36,89255,68349,90545,757 (12,000)3,447,5138,272,751293,784250,922 -392,787196,387-- -4,735,9264,402,174-- -939,477518,832-- -40,522,94131,490,972-- -9,104,2236,094,113-- -55,695,35442,702,478-- -(12,355,552)(9,511,487)-- -43,339,80233,190,991-- (12,000)46,787,31541,463,742293,784250,922 (12,000)---- -27,43214,1514,3965,359 -12,164560,804-- -5,5342,100-- -180,418240,557-- -6,8155,299999858 -21,14916,8766,8946,697 -310,000--- (12,000)563,512839,78712,28912,914 -9,470,0009,780,000-- -58,96748,630-- -9,528,9679,828,630-- (12,000)10,092,47910,668,41712,28912,914 -33,379,38423,170,434-- -437,0774,337,170-- -2,878,3753,287,721281,495238,008 $-$36,694,836$30,795,325$281,495$238,008 $36,694,836$30,795,325 19,86910,766 $36,714,705$30,806,091  CITY OF ANDOVER, MINNESOTA STATEMENT OF REVENUES, EXPENSES AND CHANGES IN FUND NET ASSETS PROPRIETARY FUNDS For The Year Ended December 31, 2003 WaterSewerStorm Sewer Operating revenues: User charges$1,337,130$1,287,168$117,469 Meters28,392-- Permit fees8,350-- Penalties25,92622,4161,169 Other--- Total operating revenues1,399,7981,309,584118,638 Operating expenses: Personal services322,656164,63933,813 Supplies119,70213,2982,232 Other service charges411,349159,36841,789 Disposal charges-603,070- Depreciation455,845415,33691,632 Total operating expenses1,309,5521,355,711169,466 Operating income (loss)90,246(46,127)(50,828) Nonoperating revenues (expenses): Investment income(93,195)(1,416)(320) Interest expense(445,030)-- Total nonoperating revenues (expenses)(538,225)(1,416)(320) Income (loss) before contributions and transfers(447,979)(47,543)(51,148) Capital contributions709,493454,9256,105,502 Transfers: Transfers in505,170-- Transfers out(485,518)(843,391)- Total transfers19,652(843,391)- Change in net assets281,166(436,009)6,054,354 Net assets - January 114,096,27116,699,054- Net assets - December 31$14,377,437$16,263,045$6,054,354 Net changes in net assets reported above Amounts reported for business-type activities in the statement of activities are different because: Transfer in of capital assets from governmental activities. Contribution revenue reported above. Internal service funds are used by management to charge the cost of equipment maintenance and insurance to individual funds. This amount is the portion of net revenue attributable to business-type activities. Change in net assets of business-type activities The accompanying notes are an intregral part of these financial statements.  Statement 7 Totals Governmental Activities - Intra TotalsInternal Service Funds Activity Eliminations2003200220032002 $-$2,741,767$2,286,396$427,001$435,998 -28,39240,343-- -8,35014,000-- -49,51136,995-- --380232,85931,235 -2,828,0202,378,114659,860467,233 -521,108475,483224,583179,449 -135,23290,940143,102125,844 (20,000)592,506556,898252,906104,014 -603,070561,249-- -962,813835,030-- (20,000)2,814,7292,519,600620,591409,307 20,00013,291(141,486)39,26957,926 -(94,931)458,3114,2188,106 -(445,030)(240,557)-- -(539,961)217,7544,2188,106 20,000(526,670)76,26843,48766,032 -7,269,920373,550-- -505,170--- (20,000)(1,348,909)(754,062)-- (20,000)(843,739)(754,062)-- -5,899,511(304,244)43,48766,032 -30,795,32531,099,569238,008171,976 $-$36,694,836$30,795,325$281,495$238,008 $5,899,511$(304,244) 7,269,920373,550 (7,269,920)(373,550) 9,10310,766 $5,908,614$(293,478)  CITY OF ANDOVER, MINNESOTA STATEMENT OF CASH FLOWS PROPRIETARY FUNDS For The Year Ended December 31, 2003 WaterSewerStorm Sewer Cash flows from operating activities: Receipts from customers and users$1,356,903$1,272,374$48,009 Payment to suppliers(1,053,660)(777,152)(34,647) Payment to employees(315,372)(165,937)(23,673) Net cash flows from operating activities(12,129)329,285(10,311) Cash flows from noncapital financing activities: Receipt of advances from other funds--12,000 Payment of advances to other funds(12,000)-- Transfers in505,170-- Transfers out(485,518)(843,391)- Net cash flows from noncapital financing activities7,652(843,391)12,000 Cash flows from capital and related financing activities: Acquisition of capital assets(3,838,184)(3,520)- Interest paid on debt(505,169)-- Receipt of bonds--- Net cash flows from capital and related financing activities(4,343,353)(3,520)- Cash flows from investing activities: Investment income(78,235)610(320) Net increase in cash and cash equivalents(4,426,065)(517,016)1,369 Cash and cash equivalents - January 16,154,2731,398,983- Cash and cash equivalents - December 31$1,728,208$881,967$1,369 Reconciliation of operating income to net cash provided (used) by operating activities: Operating income (loss) $90,246$(46,127)$(50,828) Adjustments to reconcile operating income (loss) to net cash flows from operating activities: Depreciation455,845415,33691,632 Changes in assets and liabilities: Decrease (increase) in due from other governmental units-526(500) Decrease (increase) in accounts receivable(43,096)(37,387)(70,129) Decrease (increase) in prepaid items-(1,517)- Decrease (increase) in special assessments201(349)- Decrease (increase) in inventory18,791-- Increase (decrease) in accounts payable10,2551272,899 Increase (decrease) in contracts payable(555,089)(26)6,475 Increase (decrease) in deposits payable3,434-- Increase (decrease) in due to other governmental units917261338 Increase (decrease) in salaries payable6181,0602,595 Increase (decrease) in deferred revenue--- Increase (decrease) in compensated absences5,749(2,619)7,207 Total adjustments(102,375)375,41240,517 Net cash provided by operating activities$(12,129)$329,285$(10,311) Noncash investing, capital and financing activities: Assets contributed to the Enterprise Funds$709,493$454,925$6,105,502 The accompanying notes are an integral part of these financial statements.  Statement 8 Totals Governmental Activities - TotalsInternal Service Funds 2003200220032002 $2,677,286$2,313,628$659,860$467,233 (1,865,459)(1,226,463)(409,707)(284,286) (504,982)(473,838)(224,386)(180,300) 306,845613,32725,7672,647 12,00011,591-- (12,000)(9,815)-- 505,170--- (1,328,909)(754,062)-- (823,739)(752,286)-- (3,841,704)(5,105,708)-- (505,169)--- -9,780,000-- (4,346,873)4,674,292-- (77,945)452,5654,1037,765 (4,941,712)4,987,89829,87010,412 7,553,2562,565,358168,757158,345 $2,611,544$7,553,256$198,627$168,757 $(6,709)$(141,486)$39,269$57,926 962,813835,030-- 26275-- (150,612)(60,859)-- (1,517)(6,086)(8,729)(35,851) (148)10,602-- 18,791(342)(4,148)(16,451) 13,281(15,971)(963)(2,984) (548,640)26-- 3,434500-- 1,5164,497141858 4,273829197571 -(14,504)-- 10,337816-(1,422) 313,554754,813(13,502)(55,279) $306,845$613,327$25,767$2,647 $7,269,920$373,550$-$-  CITY OF ANDOVER, MINNESOTA STATEMENT OF FIDUCIARY NET ASSETSStatement 9 FIDUCIARY FUNDS Agency Funds December 31, 2003 20032002 Assets Cash and investments$435,696$329,347 Liabilities Accounts payable489- Contracts payable3,6202,248 Deposits payable431,587327,099 Total liabilities$435,696$329,347 The accompanying notes are an integral part of these financial statements.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Note 1SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The City of Andover was incorporated in 1974 and operates under the State of Minnesota Statutory Plan A form of government. The governing body consists of a five-member City council elected by voters of the City. The financial statements of the City of Andover have been prepared in conformity with generally accepted accounting principles as applied to governmental units by the Governmental Accounting Standards Board (GASB). The following is a summary of the significant accounting policies. A.FINANCIAL REPORTING ENTITY As required by generally accepted accounting principles, the financial statements of the reporting entity include those of the City of Andover (the primary government) and its component units. The component units discussed below are included in the City's reporting entity because of the significance of their operational or financial relationships with the City. COMPONENT UNITS In conformity with generally accepted accounting principles, the financial statements of the component units have been included in the financial reporting entity as blended component units. The Andover Economic Development Authority (EDA) is an entity legally separate from the City. However, for financial reporting purposes, the EDA is reported as if it were part of the City's operations because the members of the City Council serve as EDA Board Members and its purpose is to promote development within the City of Andover. The activity of the EDA is reported in the EDA General Special Revenue Fund. Separate financial statements are not prepared for the EDA. B.GOVERNMENT-WIDE AND FUND FINANCIAL STATEMENTS The government-wide financial statements (i.e., the statement of net assets and the statement of changes in net assets) report information on all of the nonfiduciary activities of the primary government and its component units. For the most part, the Governmental activities effect of interfund activity has been removed from these statements., which normally are supported by business-type activities taxes and intergovernmental revenues, are reported separately from , which rely to a significant extent on fees and charges for support. The statement of activities demonstrates the degree to which the direct expenses of a given function or business-type activity Direct expenses are offset by program revenues. are those that are clearly identifiable with a specific function or business-type Program revenues activity. 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 general revenues included among program revenues are reported instead as . Separate financial statements are provided for governmental funds, proprietary funds, and fiduciary funds, even though the latter are excluded from the government-wide financial statements. Major individual governmental funds and major individual enterprise funds are reported as separate columns in the fund financial statements. C.MEASUREMENT FOCUS, BASIS OF ACCOUNTING, AND FINANCIAL STATEMENT PRESENTATION economic resources measurement focusaccrual basis The government-wide financial statements are reported using the and the 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  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 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. current financial resources measurement focusmodified Governmental fund financial statements are reported using the and the accrual basis of accounting . Revenues are recognized as soon as they are both measurable and available. Revenues are available considered to be when they are collectible within the current period or soon enough thereafter to pay liabilities of the current period. For this purpose, the government 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 government. The government reports the following major governmental funds: General Fund Theis the government’s primary operating fund. It accounts for all financial resources of the general government, except those required to be accounted for in another fund. Tax Increment Finance (TIF) Commercial Revitalization Debt Service Fund (DSF) The was established to account for debt associated with several improvement projects in 1995 and 1996. The proceeds were used to provide funds for the financing of certain capital and administration cost of Development District No. 1 within the City, including but not limited to the purchase of land, land cleanup, streets, sanitary sewer, water main, storm sewer, sidewalks and curb & gutter. Water Trunk Capital Projects Fund (CPF) The is used to account for water access fees and trunk improvements as part of development. It is also used to reserve monies that will be needed for capital infrastructure replacements in the future. Trunk CPF The Sewer is used to account for access fees and sanitary sewer improvements. It is also used to reserve monies that will be needed for capital infrastructure replacements in the future. Road and Bridge CPF The accounts for all road projects and the pavement management program, which includes annual seal coating, crack sealing and overlays for roads. Building Fund CPF The is used to account for miscellaneous building improvement projects for all facilities. Permanent Improvement Revolving CPF The serves as a long-term funding source for large capital improvement expenditures. The government reports the following major proprietary funds: Water Fund The accounts for the water service charges, which are used to finance the water system operating expenses. Sewer Fund The accounts for the sewer service charges, which are used to finance the sanitary sewer system operating expenses. Storm Sewer Fund The accounts for the storm sewer utility charges, which are used to finance the storm sewer operating expenses.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Additionally, the government reports the following fund types: Internal Service Funds are used to provide equipment maintenance and insurance to other departments of the City on a cost reimbursement basis. Agency Funds The are used to account for assets held by the City in a trustee capacity or as an agent for individuals, private organizations, and/or other governmental units. It is used to account for the collection and distribution of funds relating to development activities and retiree insurance premiums. Private-sector standards of accounting and financial reporting issued prior to December 1, 1989, generally are followed in both the government-wide and proprietary-fund financial statements to the extent that those standards do not conflict with or contradict guidance of the Governmental Accounting Standards Board. Governments also have the option of following subsequent private-sector guidance for their business-type activities and enterprise funds, subject to this same limitation. The government has elected not to follow subsequent private-sector guidance. 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 of Andover. Elimination of these charges would distort the direct costs and program revenues reported for the various functions concerned. program revenues Amounts reported as include 1) charges to customers or applicants for goods, services, or privileges provided, 2) operating grants and contributions, and 3) capital grants and contributions, including special assessments. general revenues Internally dedicated resources are reported as rather than as program revenues. Likewise, general revenues include all taxes. operatingnonoperating Proprietary funds distinguish revenues and expenses from 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 and 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. When both restricted and unrestricted resources are available for an allowable use, it is the government’s policy to use restricted resources first, and then unrestricted resources as they are needed. D.BUDGETS Budgets are legally adopted on a basis consistent with generally accepted accounting principles. Annual appropriated budgets are legally adopted for the General and Special Revenue Funds. Budgeted expenditure appropriations lapse at year-end. 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.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 E.LEGAL COMPLIANCE - BUDGETS The City follows these procedures in establishing the budgetary data reflected in the financial statements: 1.The City Administrator submits to the City Council a proposed operating budget for the fiscal year commencing the following January 1. The budget includes proposed expenditures and the means of financing them. 2.Public hearings are conducted to obtain taxpayer comments. 3.The budget is legally enacted through City Council action. 4.Expenditures may legally exceed budgeted appropriations at the fund level through City Council action. Also, the City Council may authorize transfers of budgeted amounts between departments within any fund. 5.Formal budgetary integration is employed as a management control device during the year for the General Fund and Special Revenue Funds. Budgetary control for Capital Projects Funds is accomplished through the use of project controls. 6.The legal level of budgetary control is at the department level for the General Fund and at the fund level for the Special Revenue Funds. Also inherent in this controlling function is the management philosophy that the existence of a particular item or appropriation in the approved budget does not automatically mean that it will be spent. The budget process has flexibility in that, where need has been properly demonstrated, an adjustment can be made within the department budget by the City Administrator or between departments by the City Council. 7.The City Council made supplemental budget appropriations throughout the year. Individual amendments were not material in relation to the original appropriations which were adjusted. The following is a listing of Special Revenue Funds whose expenditures exceed budget appropriations: FinalOver BudgetActualBudget Special Revenue Funds: Forestry$12,387$31,736$19,349 LRRWMO37,54642,4594,913 Trail and transportation35,00049,87314,873 Construction seal coating18,67733,21814,541 The over expenditures were funded by greater than anticipated revenues and/or available fund balance. F.CASH AND INVESTMENTS Cash balances from all funds are combined and invested to the extent available in authorized investments. Earnings from such investments are allocated to the individual funds on the basis of applicable cash balance participation of each fund. The City provides temporary advances to funds that have insufficient cash balances by means of an advance from another fund shown as interfund receivables in the advancing fund, and an interfund payable in the fund with the deficit, until adequate resources are received. These interfund balances are eliminated on the government-wide financial statements. Investments are stated at fair value, based upon quoted market prices. Short-term investments, such as commercial paper and banker’s acceptances, are reported as amortized cost.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 For purposes of the Statement of Cash Flows of Proprietary Fund Types, cash equivalents are defined as short-term, highly liquid investments that are both: a.readily convertible to known amounts of cash, or b.so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. The City’s policy considers cash equivalents to be those that meet the above criteria and have original maturities of three months or less. G.RECEIVABLES AND PAYABLES During the course of operations, numerous transactions occur between individual funds for goods provided or services rendered. Short-term interfund loans are classified as “interfund receivables/payables.” All short-term interfund receivables and payables at December 31, 2003 are planned to be eliminated in 2004. 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.” Interfund loan receivables, as reported in the fund financial statements, are offset by a fund balance reserve account in applicable governmental funds to indicate that they are not available for appropriation and are not expendable available financial resources. Property taxes and special assessments receivable have been reported net of estimated uncollectible accounts. (See Note 1 H, I and L) Because utility bills are considered liens on property, no estimated uncollectible amounts are established. Uncollectible amounts are not material for other receivables and have not been reported. H.PROPERTY TAX REVENUE RECOGNITION The City levies its property tax for the subsequent year during the month of December and it is certified to Anoka County. December 30th is the last day the City can certify a tax levy to the County Auditor for collection the following year. Such taxes become a lien on the following January 1. Anoka County is the collecting agency for the levy and remits the collections to the City three times a year. Taxes not collected as of December 31 each year are shown as delinquent taxes receivable. The County Auditor prepares the tax list for all taxable property in the City, applying the applicable tax rate to the tax capacity of individual properties, to arrive at the actual tax for each property. The County Auditor also collects all special assessments, except for certain prepayments paid directly to the City. The County Auditor submits a list of taxes to be collected on each parcel of property to the County Treasurer in January of each year. The County Treasurer collects all taxes and is required to mail copies of all personal property tax statements by April 15, and copies of all real estate tax statements by April 15, of each year. Property owners are required to pay one-half of their real estate taxes due by May 15 and the balance by October 15. If taxes due May 15 are not paid on time, a penalty of 3% is assessed on homesteaded property and 7% on nonhomesteaded property. An additional 1% penalty is added each month the taxes remain unpaid, until October 15. If the taxes due May 15 are not paid by October 15, a 2% penalty per month is added to homesteaded property and 4% per month to nonhomesteaded property until January 1. If the taxes are not paid by January 1, further penalties are added. Penalties and interest apply to both taxes and special assessments. There are some exceptions to the above penalties, but they are not material.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Within 30 days after the tax settlement date, the County Treasurer is required to pay 70% of the estimated collections of taxes and special assessments to the City Treasurer. The County Treasurer must pay the balance to the City Treasurer within 60 days after settlement, provided that after 45 days interest accrues at the rate of 8% per annum. GOVERNMENT-WIDE FINANCIAL STATEMENTS The City recognizes property tax revenue in the period for which the taxes were levied. Uncollectible property taxes are not material and have not been reported. 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 State credits received by the City in July, December and January are recognized as revenue for the current year. Taxes collected by the County by December 31 (remitted to the City the following January) and taxes and credits not received at the year-end are classified as delinquent and due from County taxes receivable. The portion of delinquent taxes not collected by the City in January is fully offset by deferred revenue because they are not available to finance current expenditures. I.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. Proceeds of sales from tax forfeit properties are allocated first to the County’s costs of administering all tax forfeit properties. 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 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 The City recognizes revenue from special assessments 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 that are collected by the County 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 funding are completely offset by deferred revenues.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 J.INVENTORIES Inventories of the Governmental Funds and the Proprietary Funds are stated at cost, which approximates market, using the first-in, first-out (FIFO) method. Inventories of Governmental funds are recorded as expenditures when consumed rather than when purchased. K.PREPAID ITEMS Certain payments to vendors reflect costs applicable to future accounting periods and are recorded as prepaid items in both government-wide and fund financial statements. L.CAPITAL ASSETS Capital assets, which include property, plant, equipment and infrastructure assets (e.g., roads, bridges, sidewalks, 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 government as assets with an initial, individual cost of more than $5,000 (amount not rounded) 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 estimated fair market value at the date of donation. The City has chosen the modified approach for reporting street and trail system capital assets. 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. Interest incurred during the construction phase of capital assets of business-type activities is included as part of the capitalized value of the assets constructed. For the year ended December 31, 2003, no interest was capitalized in connection with construction in progress. Property, plant and equipment of the primary government, as well as the component units, is depreciated using the straight line method over the following estimated useful lives: AssetsLife Buildings and improvements10 - 30 years Furniture and equipment5 - 10 years Machinery and equipment5 - 10 years Other park improvements10 - 30 years Storm sewer50 years Distribution and collection systems50 years The City elected to use the modified approach as defined by GASB Statement No. 34 for infrastructure reporting of its streets and trails. The City conducted a physical assessment of the streets and trails condition in Fall of 2002. This condition assessment will be performed every 3 years. Each segment of City owned street or trail was assigned a physical condition based on potential defects. A Overall Condition Index (OCI) was assigned to each segment. The index is expressed in a continuous scale from 0 to 100, where 0 is assigned to the least acceptable physical condition and 100 is assigned to those segments that have the characteristic of a new street or trail. The following conditions were defined:  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 RangeDescription 86 - 100Excellent 71 - 85Very good 56 - 70Good 41 - 55Fair 26 - 40Poor 11 - 25Very poor 0 - 10Failed The City’s policy relative to maintaining the street and trail assets is to achieve an average rating of “Good” for all segments. This acceptable rating allows minor cracking and patching of the pavement along with minor roughness that could be noticeable to the users of the system. M.COMPENSATED ABSENCES City employees earn vacation and sick pay accruing each payroll period. Unused vacation can be accrued by the employees up to a maximum of 200 hours as of the anniversary date of the individual’s employment with the City, unless a specific authorization is granted to an employee. All vacation pay is accrued when incurred in the government-wide and proprietary fund financial statements. A liability for these amounts is reported in governmental funds only if they have matured, for example, as a result of employee resignations and retirements. Employees can also accrue an unlimited amount of unused sick leave. Employees with two or more years of service are entitled to receive severance pay equal to a percentage of unused sick pay ranging from 20-50 percent based on years of service, up to a maximum of 400 hours. The liability for severance pay is accounted for the same as accrued vacation pay. N.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 assets. Bond premiums and discounts, as well as issuance costs, are immaterial and are expensed in the year of bond issuance. In the fund financial statements, governmental fund types recognize bond premiums and discounts, as well as bond issuance costs, during the current period. The face amount of debt issued is reported as other financing sources. Premiums received on debt issuances are reported as other financing sources while discounts on debt issuances are reported as other financing uses. Issuance costs, whether or not withheld from the actual debt proceeds received, are reported as debt service expenditures. O.FUND EQUITY In the fund financial statements, governmental funds report reservations of fund balance for amounts not appropriable for expenditure or legally segregated for a specific future use. Designated fund balances represent tentative plans for future use of financial resources.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 P.INTERFUND TRANSACTIONS 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. Interfund loans are reported as an interfund loan receivable or payable which offsets the movement of cash between funds. All other interfund transactions are reported as transfers. Q.RESTRICTED ASSETS Certain assets in the water fund are restricted for future debt service payments. 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.RECONCILIATION OF GOVERNMENT-WIDE AND FUND FINANCIAL STATEMENTS 1.EXPLANATION OF CERTAIN DIFFERENCES BETWEEN THE GOVERNMENTAL FUND BALANCE SHEET AND THE GOVERNMENT-WIDE STATEMENT OF NET ASSETS fund balance – total governmental funds net The governmental fund balance sheet includes a reconciliation between and assets– governmental activities as reported in the government-wide statement of net assets. One element of that reconciliation explains that “long-term liabilities, including bonds payable, are not due and payable in the current period and therefore are not reported in the funds.” The details of this ($29,432,352) difference are as follows: Bonds payable$(28,625,000) Accrued interest payable(459,818) Compensated absences(347,534) Net adjustment to reduce fund balance - total governmental funds to arrive at net assets - governmental activities$(29,432,352) Another element of that reconciliation states that “internal service funds are used by management to charge the cost of equipment maintenance and insurance to individual funds. The assets and liabilities are included in the governmental statement of net assets along with a deduction of net revenue attributable to business-type activities.” The details of this $261,626 difference are as follows: Internal Service Funds net assets$281,495 Net revenue attributable to business-type activities(19,869) Net adjustment to increase fund balance - total governmental funds to arrive at net assets - governmental activities$261,626  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 2.EXPLANATION OF CERTAIN DIFFERENCES BETWEEN THE GOVERNMENTAL FUND STATEMENT OF REVENUES, EXPENDITURES, AND CHANGES IN FUND BALANCES AND THE GOVERNMENT-WIDE STATEMENT OF ACTIVITIES The governmental fund statement of revenues, expenditures, and changes in fund balances includes a reconciliation between net changes in fund balances – total governmental fundschanges in net assets of governmental activities and as reported in the government-wide statement of activities. One element of that reconciliation explains that “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.” The details of this $5,300,178 difference are as follows: Capital outlay$2,610,333 Construction/acquisition costs3,513,115 Depreciation expense(823,270) Net adjustment to increase net changes in fund balances - total governmental funds to arrive at changes in net assets of governmental activities$5,300,178 Another element of that reconciliation states that “The net effect of various miscellaneous transactions involving capital assets (i.e., sales, trade-ins, and donations) is to decrease net assets.” The details of this ($240,365) difference are as follows: In the statement of activities, only the gain on the sale of capital assets is reported. However, in the governmental funds, the proceeds from the sale increase financial resources. Thus, the change in net assets differs from the change in fund balance by the cost of the capital assets sold.$(250,843) Donations of capital assets increase net assets in the statement of activities, but do not appear in the governmental funds because they are not financial resources.10,478 Net adjustment to decrease net changes in fund balances - total governmental funds to arrive at changes in net assets of governmental activities$(240,365)  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Another element of that reconciliation states “Revenues on the Statement of Activities that do not provide current financial resources are not reported as revenues in the funds.” The details of this ($1,320,562) difference are as follows: General property taxes deferred revenue: At December 31, 2002$(93,823) At December 31, 2003105,044 Tax increment taxes deferred revenue: At December 31, 2002(16,100) At December 31, 200319,566 Special assessments deferred revenue: At December 31, 2002(4,852,585) At December 31, 20033,539,684 Notes receivable deferred revenue: At December 31, 2002(37,943) At December 31, 200315,595 Net adjustments to decrease net changes in fund balances - total governmental funds to arrive at changes in net assets of governmental activities$(1,320,562) Another element of that reconciliation states “the issuance of long-term debt (e.g., bonds, leases) provides current financial resources to governmental funds, while the repayment of the long-term debt consumes the current financial resources of governmental funds.” Neither transaction, however, has any effect on net assets. The details of this ($780,000) difference are as follows: Debt issued or incurred: Issuance of certificates of indebtedness$(794,000) Issuance of special assessment bonds(4,580,000) Issuance of tax increment refunding bonds(1,530,000) Principal repayments: General obligation revenue bonds70,000 Special assessment bonds3,070,000 Tax increment bonds2,165,000 Certificates of indebtedness694,000 State aid bonds125,000 Net adjustment to increase net changes in fund balances - total governmental funds to arrive at changes in net assets of governmental activities$(780,000) Another element of that reconciliation states that “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.” The details of this ($13,152) difference are as follows: Compensated absences$(33,321) Accrued interest20,169 Net adjustment to increase net changes in fund balances - total governmental funds to arrive at changes in net assets of governmental activities$(13,152)  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Another element of that reconciliation states that “internal service funds are used by management to charge the cost of equipment maintenance and insurance to individual funds. This amount is the portion of net revenue attributable to governmental activities.” The details of this $34,038 difference are as follows: Internal Service Funds change in net assets$43,487 Net revenue attributable to business-type activities(9,103) Net adjustment to increase fund balance - total governmental funds to arrive at net assets - governmental activities$34,384 Note 2 DEPOSITS AND INVESTMENTS 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. Minnesota Statutes require that all City deposits be protected by insurance, surety bond, or collateral. The market value of collateral pledged must equal 110% of the deposits not covered by insurance or bonds. Minnesota Statutes require that securities pledged as collateral be held in safekeeping by the City Clerk/Treasurer or in a financial institution other that 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)Unrated general obligation securities of a local government with taxing powers may be pledged as collateral against funds depositedby 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.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Balances at December 31, 2003 are as follows: BankCarrying BalancesAmount 1) Insured or collateralized by securities held by the City or its agent in the City's name.$3,084,679$2,855,712 2) Collateralized with securities held by the pledging institution trust department in the City's name.-- 3) Uncollateralized or collateralized with securities not in the City's name.-- Totals$3,084,679$2,855,712 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)Obligations of the State of Minnesota or any of its municipalities 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 eligible for purchase by the Federal Reserve System. 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.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Balances at December 31, 2003: Carrying Custodial Credit Risk CategoryAmount Securities Type123(at Fair Value) Negotiable CD's$1,178,752$-$-$1,178,752 State and local government securities1,485,991--1,485,991 U.S. government and agency securities14,173,695--14,173,695 Commercial paper5,944,624--5,944,624 Totals$22,783,062$-$-22,783,062 Investments not subject to credit risk categorization: Minnesota municipal investment pool50,141 Open end mutual funds401,249 Total investments23,234,452 Deposits - checking account and CD's2,855,712 Total deposits and investments26,090,164 Petty Cash1,000 Total cash and investments (including cash equivalents)$26,091,164 The City's investments are categorized above to give an indication of the level of custodial credit risk assumed at year-end. Category 1 includes investments that are insured or registered or for which the securities are held by the City or its agent in the City's name. Category 2 includes uninsured and unregistered investments for which the securities are held by the counterparty's trust department or agent in the City's name. Category 3 includes uninsured and unregistered investments for which the securities are held by the counterparty or by its trust department or agent but not in the City's name. Note 3RECEIVABLES Significant receivables balances not expected to be collected within one year of December 31, 2003 are as follows: Due FromDelinquentDelinquentSpecial OtherPropertyTaxAssessment GovernmentsTaxesIncrementReceivableTotal Major Funds: General Fund$-$36,781$-$1,858$38,639 TIF Commercial Revitalization DSF--6,652129,130135,782 Water Trunk CPF---41,49741,497 Sewer Trunk CPF---267267 Road and Bridge CPF---263,267263,267 Permanent Improvement Revolving CPF---2,482,1522,482,152 Nonmajor Funds31,4235,2365,385455,043497,087 Total$31,423$42,017$12,037$3,373,214$3,458,691  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Governmental funds report deferred revenue in connection with receivables for revenues that are not considered to be available to liquidate liabilities of the current period. Governmental funds also defer revenue recognition in connection with resources that have been received, but not yet earned. At the end of the current fiscal year, the various components of deferred revenue reported in the governmental funds were as follows: UnavailableUnearned Delinquent property taxes receivable: General Fund$91,953$- Nonmajor Funds13,091- Delinquent tax increment collections TIF Commercial Revitalization DSF19,566- Special assessments not yet due: General Fund1,858- TIF Commercial Revitalization DSF142,145- Water Trunk CPF56,370- Sewer Trunk CPF15,348- Road & Bridge CPF281,297- Permanent Improvement Revolving CPF2,491,402- Nonmajor Funds551,284- Notes receivable not yet due: Nonmajor funds15,595- Unearned miscellaneous fees: General Fund-3,573 Unearned construction seal coating fees: Nonmajor funds-478,095 Total$3,679,909$481,668 Note 4LOANS RECEIVABLE As part of a development agreement entered into with a private developer in May 1989, the City received a promissory note for $243,520. The note is to reimburse the City for the fiscal disparities contributions the City lost due to the establishment of a tax increment financing district for the development project. The note bears an interest rate of 5.50% and calls for 180 equal monthly payments to be made to the City through August 2004. At December 31, 2003, the remaining principal due of $15,595 is offset by deferred revenue as it is not available to finance current activities.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Note 5CAPITAL ASSETS In accordance with GASB Statement No. 34, the City has reported all capital assets including infrastructure in the government-wide statement of net assets. The City elected to use the modified approach as defined by GASB Statement No. 34 for infrastructure reporting for its streets and trails. As a result, no accumulated depreciation or depreciation expense has been recorded for this system. A more detailed discussion of the modified approach is presented in the Required Supplementary Information section of this report. All other capital assets including other infrastructure systems were reported using the basic approach whereby accumulated depreciation and depreciation expense have been recorded. Adjustments due to restatement represent the changes due to an extensive inventory of all capital assets, implementation of GASB Statement No. 34 and a policy change related to capitalization thresholds. Capital asset activity for the year ended December 31, 2003 as previously reported was as follows: BeginningEnding Primary Government BalanceAdditionsDeletionsBalance Governmental activities: Capital assets not being depreciated: Land and improvements$8,013,110$453,717$(198,674)$8,268,153 Streets and trails69,740,833867,955-70,608,788 Construction in progress1,162,1373,537,401(1,045,212)3,654,326 Total capital assets not being depreciated78,916,0804,859,073(1,243,886)82,531,267 Capital assets being depreciated: Buildings and improvements5,710,212126,556(84,393)5,752,375 Furniture and equipment59,38728,228-87,615 Machinery and equipment5,399,634199,839(509,122)5,090,351 Other park improvements2,774,922235,797(10,000)3,000,719 Storm sewers7,045,960-(7,045,960)- Total capital assets being depreciated20,990,115590,420(7,649,475)13,931,060 Less accumulated depreciation for: Buildings and improvements1,567,271199,506(84,393)1,682,384 Furniture and equipment55,7302,456-58,186 Machinery and equipment2,528,025428,365(234,800)2,721,590 Other park improvements863,896115,912(6,000)973,808 Storm sewers1,654,80777,031(1,731,838)- Total accumulated depreciation6,669,729823,270(2,057,031)5,435,968 Total capital assets being depreciated - net14,320,386(232,850)(5,592,444)8,495,092 Governmental activities capital assets - net$93,236,466$4,626,223$(6,836,330)$91,026,359  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 BeginningEnding Primary Government BalanceAdditionsDeletionsBalance Business-type activities: Capital assets not being depreciated: Land and improvements$196,387$196,400$-$392,787 Construction in progress6,094,1133,600,224(590,114)9,104,223 Total capital assets not being depreciated6,290,5003,796,624(590,114)9,497,010 Capital assets being depreciated: Buildings and improvements4,402,174333,752-4,735,926 Furniture and equipment29,3559,280-38,635 Machinery and equipment489,477411,365-900,842 Collection and distribution31,490,9729,031,969-40,522,941 Total capital assets being depreciated36,411,9789,786,366-46,198,344 Less accumulated depreciation for: Buildings and improvements1,990,476190,553-2,181,029 Furniture and equipment29,355464-29,819 Machinery and equipment339,126200,151-539,277 Collection and distribution7,152,5302,452,897-9,605,427 Total accumulated depreciation9,511,4872,844,065-12,355,552 Total capital assets being depreciated - net26,900,4916,942,301-33,842,792 Business-type activities capital assets - net$33,190,991$10,738,925$(590,114)$43,339,802 Depreciation expense was charged to functions/programs of the primary government as follows: Governmental activities: General government$199,500 Public safety157,747 Public works200,458 Sanitation, included depreciation of general infrastructure assets79,982 Parks and recreation185,583 Total depreciation expense - governmental activities$823,270 Business-type activities Water$455,845 Sewer415,336 Storm sewer91,632 Total depreciation expense - business-type activities$962,813  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 CONSTRUCTION COMMITMENTS At December 31, 2003, the City had construction project contracts in progress. The commitments related to the remaining contract balances are summarized as follows: ContractRemaining Project #ProjectAmountCommitment 99-15Water Treatment Facility$8,047,012$28,550 02-45Constance Corners905,73942,691 03-02Woodland Creek Golf Villas319,56120,173 03-05City View Farms96,56428,341 Total$9,368,876$119,755 Note 6LONG-TERM DEBT The City issues general obligation bonds and equipment certificates to provide funds for the acquisition and construction of major capital facilities. The reporting entity’s long-term debt is segregated between the amounts to be repaid from governmental activities and amounts to be repaid from business-type activities.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 IssueMaturityInterestOriginalPayable DateDateRateIssue12/31/03 GOVERNMENTAL ACTIVITIES: General Obligation Revenue Bonds: 1997 Public Project Revenue Bonds9/1/199712/1/20164.50-5.90%$2,350,000$2,045,000 Special Assessment Bonds: 1994C G.O. Improvement Bonds10/1/19942/1/20065.05-5.75%1,140,000340,000 1995A G.O. Improvement Bonds7/1/19952/1/20064.85-5.30%2,605,000915,000 Total special assessment bonds3,745,0001,255,000 Tax Increment Bonds: 1994B G.O. Tax Increment Refunding Bonds5/1/19945/1/20046.97-7.87%885,00075,000 1995D G.O. Tax Increment Bonds10/1/19952/1/20134.50-5.60%6,055,0004,775,000 1999 G.O. Tax Increment Bonds6/1/199912/1/20124.00-5.00%1,500,0001,260,000 2000A G.O. Tax Increment Bonds9/1/20002/1/20106.80-7.10%2,445,0002,175,000 2003B G.O. Tax Increment Refunding Bonds6/1/20038/1/20102.00-3.00%1,530,0001,530,000 Total tax increment bonds12,415,0009,815,000 Certificates of Indebtedness: 1999 G.O. Equipment Certificates6/1/19992/1/20043.70-4.00%1,050,000305,000 2001C G.O. Capital Notes6/5/20012/1/20062.90-3.80%1,210,000760,000 2003 G.O. Equipment Certificates3/11/20036/1/20041.50-1.75%394,000200,000 2003C G.O. Equipment Certificates12/18/200312/1/20061.50%400,000400,000 Total certificates of indebtedness3,054,0001,665,000 Permanent Improvement Revolving (PIR) Bonds: 2000B G.O. PIR Bonds9/1/20002/1/20074.20-4.375%3,350,0002,740,000 2001A G.O. PIR Bonds6/5/20012/1/20073.20-4.00%4,975,0004,055,000 2003A G.O. PIR Bonds6/1/20032/1/20102.00-2.60%4,580,0004,580,000 Total permanent improvement revolving bonds12,905,00011,375,000 State Aid Bonds: 2001B G.O. State Aid Street Bonds6/5/20012/1/20172.90-5.00%2,755,0002,470,000 Total - bonded indebtedness37,224,00028,625,000 Compensated absences payable-347,534 Total governmental activities indebtedness37,224,00028,972,534 BUSINESS-TYPE ACTIVITIES General Obligation Revenue Bonds 2002 G.O. Water Revenue Bonds5/9/20022/1/20232.30-5.00%9,780,0009,780,000 Compensated absences payable-58,967 Total business-type activities indebtedness9,780,0009,838,967 Total City indebtedness$47,004,000$38,811,501  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Annual debt service requirements to maturity for general obligation bonds are as follows: Governmental Activities G.O. Revenue BondsSpecial Assessment BondsTax Increment Bonds PrincipalInterestPrincipalInterestPrincipalInterest 2004$80,000$116,740$1,255,000$33,329$860,000$489,595 200590,000112,580--995,000440,195 2006100,000107,810--1,095,000390,050 2007110,000102,410--1,145,000336,240 2008120,00096,415--1,220,000278,685 2009-2013825,000363,770--4,500,000534,500 2014-2018720,00087,210---- Total$2,045,000$986,935$1,255,000$33,329$9,815,000$2,469,265 Governmental Activities Permanent Improvement Certificates of IndebtednessRevolving BondsState Aid Bonds PrincipalInterestPrincipalInterestPrincipalInterest 2004$899,000$38,001$3,695,000$309,454$130,000$106,788 2005377,00018,4651,705,000192,153135,000102,081 2006389,0006,9211,765,000139,970140,00096,957 2007--1,825,00084,005150,00091,298 2008--770,00047,305155,00085,120 2009-2013--1,615,00041,123885,000317,616 2014-2018----875,00089,480 Total$1,665,000$63,387$11,375,000$814,010$2,470,000$889,340 Business-Type Activities G.O. Revenue Bonds PrincipalInterest 2004$310,000$429,438 2005320,000421,392 2006335,000411,720 2007345,000400,662 2008360,000388,228 2009-20132,075,0001,705,571 2014-20182,630,0001,179,003 2019-20233,405,000443,472 Total$9,780,000$5,379,486 It is not practical to determine the specific year for payment of long-term accrued compensated absences.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 CHANGE IN LONG-TERMLIABILITIES Long-term liability activity for the year ended December 31, 2003, was as follows: BeginningEndingDue Within BalanceAdditionsReductionsBalanceOne Year Governmental activities: Bonds payable: G.O. revenue bonds$2,115,000$-$(70,000)$2,045,000$80,000 Special assessment bonds2,795,000-(1,540,000)1,255,0001,255,000 Tax increment bonds10,450,0001,530,000(2,165,000)9,815,000860,000 Certificates of indebtedness1,565,000794,000(694,000)1,665,000899,000 Permanent improvement revolving bonds8,325,0004,580,000(1,530,000)11,375,0003,695,000 State aid bonds2,595,000-(125,000)2,470,000130,000 Total bonds payable27,845,0006,904,000(6,124,000)28,625,0006,919,000 Compensated absences314,213246,644(213,323)347,534- Total governmental activities long-term liabilities$28,159,213$7,150,644$(6,337,323)$28,972,534$6,919,000 Business-type activities: Bonds payable: G.O. revenue bonds$9,780,000$-$-$9,780,000$310,000 Compensated absences48,63047,745(37,408)58,967- Total business-type activities long-term liabilities$9,828,630$47,745$(37,408)$9,838,967$310,000 For the governmental activities, bonds payable can be summarized in the following categories: G.O. revenue bonds The were used to construct a 30,000 square foot public works building adjacent to the existing public works facility. The bonds are payable from annual lease payments received by the EDA from the City. These bonds do constitute debt for the purpose of computing statutory debt limits. special assessment bonds The are used to finance assessable improvements within the City, including but not limited to sanitary sewer and water line connections, storm sewer, streets, sidewalks and curb & gutter. The bonds are payable primarily from special assessments levied against properties benefited by the improvements. In addition, the bonds are general obligations of the City for which its full faith, credit and taxing powers are pledged without limitation as to rate or amount. tax increment bonds The are used to finance land acquisition and other public costs to facilitate development in the City’s tax increment district. The bonds are payable from tax increment revenues generated by existing and new development with the district. In addition, the bonds are general obligations of the City for which its full faith, credit and taxing powers are pledged without limitation as to rate or amount. certificates of indebtedness The are used to finance the purchase of capital equipment. The certificates are general obligations of the City for which it pledges its full faith, credit and taxing powers to the payment of principal and interest on the certificates. permanent improvement revolving bonds The are used to finance assessable improvements within the City, including but not limited to sanitary sewer and water line connections, storm sewer, streets, sidewalks and curb & gutter. The bonds are payable primarily from special assessments levied against properties benefited by the improvements. In addition, the bonds are general obligations of the City for which its full faith, credit and taxing powers are pledged without limitation as to rate or amount.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 state aid bonds The were used to finance the Municipal State Aid (MSA) eligible costs of the Andover Boulevard project. The bonds are payable entirely from state-aid received by the City from construction and maintenance of the state aid street system. The City has pledged an amount of money from its account in the state-aid street fund sufficient to pay the principal and interest of the bonds. In addition, the bonds are general obligations of the City for which its full faith, credit and taxing powers are pledged without limitation as to rate or amount. compensated absences For the governmental activities, are generally liquidated through the General Fund. G.O. revenue bonds For the business-type activities, the are being used to finance the construction of various water system improvements within the City. The bonds are payable from net revenues of the water system and are general obligations of the City for which its full faith, credit and taxing powers are pledged. CURRENT REFUNDING On June 1, 2003, the City issued the $1,530,000 General Obligation Tax Increment Refunding Bonds, Series 2003B with an average interest rate of 2.24% to advance refund the 2004 through 2012 maturities aggregating $1,515,000 in principal amount of the City’s $2,055,000 General Obligation Tax Increment Bonds, Series 1996 with an average interest rate of 5.12%, dated June 1, 1996. Net proceeds of $1,515,000 were used to retire all outstanding principal of the refunded bonds on August 1, 2003. The City refunded the tax increment bonds to reduce its total debt service payments over the nine years by $274,678 and to obtain an economic gain (difference between the present value of the debt service payments on the old and new debt) of $201,488. Note 7LEGAL DEBT MARGIN The City is subject to a statutory limitation by the State of Minnesota for bonded indebtedness payable principally from property taxes. The City of Andover's legal debt margin for 2003 and 2002 is computed as follows: December 31, 20032002 Estimated taxable market value$1,966,284,300$1,719,429,400 Debt limit (2% of market value)39,325,68634,388,588 Amount of debt applicable to debt limit: Total bonded debt$38,405,000$37,625,000 Less: Nonapplicable debt G.O. water revenue bonds(9,780,000)(9,780,000) Special assessment bonds(1,255,000)(2,795,000) Tax increment bonds(9,815,000)(10,450,000) Permanent improvement revolving bonds(11,375,000)(8,325,000) State aid bonds(2,470,000)(2,595,000) Less: Cash and investments in related debt service funds(82,515)(112,848) Total debt applicable to debt limit3,627,4853,567,152 Legal debt margin$35,698,201$30,821,436  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Note 8DEFINED BENEFIT PENSION PLANS - STATEWIDE A.PLAN DESCRIPTION All full-time and certain part-time employees of the City of Andover are covered by defined benefit plans administered by the Public Employees Retirement Association of Minnesota (PERA). PERA administers the Public Employees Retirement Fund (PERF) and the Public Employees Police and Fire Fund (PEPFF), which are cost-sharing, multiple-employer retirement plans. Minnesota Statute These plans are established and administered in accordance with , Chapters 353 and 356. PERF members belong to either the Coordinated Plan or the Basic Plan. Coordinated Plan members are covered by Social Security and Basic Plan members are not. All new members must participate in the Coordinated Plan. All police officers, firefighters and peace officers who qualify for membership by statute are covered by the PEPFF. PERA provides retirement benefits as well as disability benefits to members, and benefits to survivors upon death of eligible members. Benefits are established by State Statute, and vest after three years of credited service. The defined retirement 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 PERF’s Coordinated and Basic Plan members. The retiring member receives the higher of a step-rate benefit accrual formula (Method 1) or a level accrual formula (Method 2). Under Method 1, the annuity accrual rate for a Basic Plan member is 2.2% of average salary for each of the first 10 years of service and 2.7% for each remaining year. The annuity accrual rate for a Coordinated Plan member is 1.2% of average salary for each of the first 10 years and 1.7% for each remaining year. Under Method 2, the annuity accrual rate is 2.7% of average salary for Basic Plan members and 1.7% for Coordinated Plan members for each year of service. For PEPFF members, the annuity accrual rate is 3.0% for each year of service. For all PEPFF and PERF members hired prior to July 1, 1989 whose annuity is calculated using Method 1, a full annuity is available when age plus years of service equal 90. Normal retirement age is 55 for PEPFF members and 65 for Basic and Coordinated members hired prior to July 1, 1989. Normal retirement age is the age for unreduced Social Security benefits capped at 66 for Coordinated members hired on or after July 1, 1989. A reduced retirement annuity is also available to eligible members seeking early retirement. There are different types of annuities available to members upon retirement. A single-life annuity is a lifetime annuity that ceases upon the death of the retiree – no survivor annuity is payable. There are also various types of joint and survivor annuity options available which will be payable over joint lives. Members may also leave their contributions in the fund upon termination of public service in order to qualify for a deferred annuity at retirement age. Refunds of contributions are available at any time to members who leave public service, but before retirement benefits begin. The benefit provisions stated in the previous paragraphs of this section are current provisions and apply to active plan participants. Vested, terminated employees who are entitled to benefits but are not receiving them yet are bound by the provisions in effect at the time they last terminated their public service. PERA issues a publicly available financial report that includes financial statements and required supplementary information for PERF and PEPFF. That report may be obtained on the web at mnpera.com, by writing to PERA, 60 Empire Drive #200, St. Paul, Minnesota, 55103-1855 or by calling (651) 296-7460 or 1-800-652-9026. B.FUNDING POLICY Minnesota Statutes Chapter 353 sets the rates for employer and employee contributions. These statutes are established and amended by the state legislature. The City makes annual contributions to the pension plans equal to the amount required by state statutes. PERF Basic Plan members and Coordinated Plan members are required to contribute 9.10% and 5.10%, respectively, of their annual covered salary. PEPFF members are required to contribute 6.20% of their annual covered salary. The City of Andover is required to contribute the following percentages of annual covered payroll: 11.78% for Basic Plan PERF members, 5.53% for Coordinated Plan PERF members, and 9.30% for PEPFF members. The City’s contributions to the  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Public Employees Retirement Fund for the years ending December 31, 2003, 2002 and 2001 were $148,660, $144,981 and $127,471, respectively. The City’s contributions to the Public Employees Police and Fire Fund for the years ending December 31, 2003, 2002 and 2001 were $10,137, $6,381 and $5,866, respectively. The City’s contributions were equal to the contractually required contributions for each year as set by state statute. C.DEFINED CONTRIBUTION LUMP SUM SERVICE PENSION PLAN – VOLUNTEER FIREFIGHTERS RELIEF ASSOCIATION PLAN DESCRIPTION Members of the City’s volunteer fire department are members of the Andover Firefighters’ Relief Association. The Association is the administrator of a single-employer defined contribution plan available to firefighters that was established Minnesota Statutes October 9, 1979 and operates under the provisions of Section 424A. It is governed by a board of six members elected by the members of the Association for three-year terms. The City’s Mayor, City Clerk and Fire Chief are ex- officio members of the Board of Trustees. The Association provides retirement benefits as well as disability benefits to members, and benefits to survivors upon death of eligible members. 1.Twenty-Year Service Pension – In order to be entitled to a pension benefit, a firefighter must have completed a minimum of five years of service with the Department and five years membership in the Association and attain the age of 50 years. The firefighter will then be 40% vested. This percentage increases 4% per year until the twentieth year when 100% vesting will occur. Because this is a defined contribution plan, the amount of the retirement benefit is not predetermined, but rather is based on the individual member’s allocable portion of contributions made during the participation period. 2.Deferred Pension – If the retired or terminated member has not attained age 50 years and is otherwise eligible for the pension benefit, the balance of the member’s account will be credited with earned interest at the rate permitted by Minnesota Statutes Section 424.A02, Subd.7. 3.Disability Benefit – If a member of the Association becomes totally and permanently disabled due to injury, disability, sickness or dismemberment as a result of performance of duty, a disability payment will be made after one hundred days of disability. 4.Death Benefit – In the event of death of an active member or deferred pensioner, the member’s individual account balance will be paid to the surviving spouse, surviving children or the estate of the member after approval by the Board. The Association issues a publicly available financial report that includes financial statements and required supplementary information. That report may be obtained by writing to Andover Firefighters’ Relief Association, 13875 Crosstown Boulevard, Andover, Minnesota 55304.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 FUNDING POLICY The State of Minnesota contributes amortization aid, or two percent fire aid, in accordance with state statute requirements. Plan members are not required to contribute to the plan. The state legislature may amend contribution requirements of the City and State. The City is allowed to make voluntary contributions of other public funds pursuant to Minnesota Statutes Chapter 69. Contributions for the last three years are as follows: Year EndingCityStateTotal 12/31/2001$41,650$84,983$126,633 12/31/200243,75098,400142,150 12/31/200342,500122,867165,367 Note 9INTERFUND RECEIVABLES/PAYABLES, LOANS AND TRANSFERS Individual fund interfund receivable and payable balances at December 31, 2003 are as follows: FundReceivablePayable Governmental Funds: Major Funds: Water Trunk CPF$120,000$- Road and Bridge CPF635,000- Nonmajor Governmental Funds20,000775,000 Total governmental funds775,000775,000 Proprietary Funds: Water12,000- Storm Sewer-12,000 Total proprietary funds12,00012,000 Total$787,000$787,000 Interfund loan receivable and payable balances at December 31, 2003 are as follows: Interfund Loan FundReceivablePayable Governmental Funds: Major Funds: Permanent Improvement Revolving CPF$150,000$- Nonmajor Governmental Funds-150,000 Total governmental funds$150,000$150,000 $120,000 of the above balances are not expected to be eliminated within one year of December 31, 2003.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Interfund transfers: Transfer InTransfer Out Governmental Funds: Major Funds: General Fund$165,000$190,310 TIF Commercial Revitalization DSF1,624,440- Water Trunk CPF350,0001,393,405 Sewer Trunk CPF390,000127,957 Building Fund CPF846,208- Permanent Improvement Revolving CPF333,7521,873,608 Nonmajor Funds3,739,2723,039,653 Total Governmental Funds7,448,6726,624,933 Proprietary Funds: Water505,170485,518 Sewer-843,391 Total Proprietary Funds505,1701,328,909 Total$7,953,842$7,953,842 Interfund transfers allow the City to allocate financial resources to the funds that receive benefit from services provided by another fund. Most of the City’s interfund transfers fall under that category. Non-routine transfers include a one-time transfer of $846,208 from the Tax Increment Projects CPF to the Building Fund CPF to reclassify interest earnings prior to July 1, 1997, which is not classified as increment revenue. Additionally, computer service fees paid by the Water and Sewer Funds to the General Fund have been reclassified as transfers on the Government-Wide Statement of Activities as follows: Transfer InTransfer Out Governmental Activities$20,000$- Business-Type Activities-20,000 Total$20,000$20,000  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Note 10TAX INCREMENT DISTRICTS The City of Andover is the administering authority for the following tax increment finance districts: 1.Name of District:Andover Redevelopment District 1-1 Type of District:Redevelopment Authorizing Law:M.S. Section 472 Established:1986 Duration of District:Through 2012 Original net tax capacity:$14,775 Current net tax capacity:206,702 Captured net tax capacity - retained by the City$191,927 2.Name of District:Andover Redevelopment District 1-2 Type of District:Redevelopment Authorizing Law:M.S. Section 472 Established:1986 Duration of District:Through 2012 Original net tax capacity:$67,049 Current net tax capacity:871,018 Captured net tax capacity - retained by the City$803,969 Total District Bonds issued$14,990,000 Amount redeemed(5,175,000) Bonds outstanding December 31, 2002$9,815,000 3.Name of District:Tax Increment Financing District 1-3 (Farmstead Project) Type of District:Redevelopment Authorizing Law:M.S. Section 469 Established:1997 Duration of District:Through 2024 Original net tax capacity:$8,458 Current net tax capacity:150,544 Captured net tax capacity - retained by the City$142,086  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Note 11DEFICIT FUND BALANCES/RETAINED EARNINGS The City has deficit fund balances/retained earnings at December 31, 2003 as follows: FundAmount Special Revenue Funds: LRRWMO$1,838 Debt Service Funds: G.O. Equipment Certificate 20039,706 Capital Projects Funds: Building Fund251,537 Unfinanced645,266 Storm Sewer Project111,301 Note 12CONTINGENCIES A.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. The City participates in the League of Minnesota Cities Insurance Trust (LMCIT), a public entity risk pool for its general property and casualty, workers’ compensation, and other miscellaneous insurance coverages. Workers compensation coverage is provided through a pooled self-insurance program through the 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 enrolls with a state-certified managed care organization to receive a 5% premium credit towards the cost of coverage. The City also has a $500 deductible per occurrence to further decrease the cost of coverage. Final premiums are determined after an audit of payroll subsequent to the close of the agreement year and are subject to revisions in rates, payrolls and experience modification. The amount of premium adjustment, if any, is considered immaterial and not recorded until received or paid. Property, casualty, and automobile insurance coverage are provided through a pooled self-insurance program through the LMCIT. The City pays an annual premium to the LMCIT. The LMCIT reinsures through commercial companies for claims in excess of various amounts. The City retains risk for the deductible portions. These deductibles are considered immaterial to the financial statements. The City continues to carry commercial insurance for all other risks of loss, including employee health and disability 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. B.LITIGATION The City attorney has indicated that 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 attorney, remotely recoverable by plaintiffs, with the exception of one lawsuit related to development activities. The outcome of the lawsuit cannot be determined at this time, an unfavorable outcome would be between $0 and $350,000.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 C.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 are 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, 2003. D.TAX INCREMENT DISTRICTS The City’s tax increment districts are subject to review by the State of Minnesota Office of the State Auditor (OSA). Any disallowed claims or misuse of tax increments could become a liability of the applicable fund. Management has indicated that they are not aware of any instances of noncompliance that would have a material effect on the financial statements. Note 13DEFERRED AD VALOREM TAX LEVIES - BONDED DEBT General Obligation bond issues sold by the City are financed by ad valorem tax levies and special assessment bond issues sold by the City are partially 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. These future scheduled tax levies are not shown as assets in the accompanying financial statements at December 31, 2003. Future scheduled tax levies for all bonds outstanding at December 31, 2003 totaled $17,091,629.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Note 14DESIGNATIONS AND RESERVATIONS OF FUND EQUITY Fund equities are classified as follows to reflect limitations and restrictions of the respective funds: 20032002 Governmental Funds: Major Funds: General Fund Reserved for prepaid items$3,239$4,152 Reserved for inventory84,52768,175 Designated for working cash flow2,505,2612,742,645 TIF Commercial Revitalization DSF Reserved for debt service491,744477,476 Water Trunk CPF Designated for projects1,817,6971,308,035 Sewer Trunk CPF Designated for projects741,73911,658 Road & Bridge CPF Designated for projects2,724,0331,934,012 Building Fund CPF Designated for projects-14,683 Permanent Improvement Revolving CPF Reserved for interfund loan150,000- Designated for projects7,031,8515,865,331 Nonmajor Funds Reserved for debt service1,075,6211,187,975 Reserved for projects459,339899,238 Designated for working cash flow74,27863,412 Designated for projects2,784,6282,785,682 Designated for equipment731,806667,108 Total Governmental Funds20,675,76318,029,582 Proprietary Funds: Water Reserved for projects437,0774,337,170 Total$21,112,840$22,366,752 Note 15POST EMPLOYMENT BENEFITS The City provides the ability for employees to maintain insurance coverage with the City after retirement. The retired employee is responsible for 100% of the cost. The employee has the option of taking of payout of sick leave or have the monies deposited in a separate medical premium account to be used towards insurance premiums.  CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2003 Note 16CONDUIT DEBT OBLIGATION Conduit debt obligations are certain limited-obligation revenue bonds or similar debt instruments issued for the express purpose of providing capital financing for a specific third party. The City has issued various revenue bonds to provide funding to private-sector entities for projects deemed to be in the public interest. Although these bonds bear the name of the City, the City has no obligation for such debt beyond the resources provided by related leases or loans. Accordingly, the bonds are not reported as liabilities in the financial statements of the City. As of December 31, 2003, the following revenue bonds were outstanding: Date ofOriginalOutstanding ProjectIssueIssueRetired12/31/2003 Downtown Center7/15/1997$5,645,000$(1,860,000)$3,785,000 Downtown Center7/15/19971,250,000(585,000)665,000 Presbyterian Homes of Andover, Inc.12/1/199813,980,000(13,980,000)- Presbyterian Homes of Andover, Inc.12/1/1998720,000(144,000)576,000 Presbyterian Homes of Andover, Inc.11/1/200313,145,000(15,718)13,129,282 Total$34,740,000$(16,584,718)$18,155,282 Note 17SUBSEQUENT EVENTS The City of Andover sold $3,890,000 of General Obligation Capital Improvement Bonds, Series 2004A on March 16, 2004 to finance the construction of a new fire station and the refinancing of the existing public works facility. The rate of the bonds per year ranged from 2.00%- 3.75% with a true interest cost of 3.32%. Principal payments are due in 2005 - 2017. The City of Andover also sold $4,260,000 of General Obligation Tax Increment Refunding Bonds, Series 2004B on March 16, 2004 to provide moneys for the crossover refunding of the City’s $6,055,000 General Obligation Tax Increment Bonds, Series 1995D dated October 1, 1995. The rate of the bonds per year ranged from 2.00% - 3.25% with a true interest cost of 2.78%. Principal payments are due in 2006 – 2013.  - This page intentionally left blank -  REQUIRED SUPPLEMENTARY INFORMATION  CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATIONStatement 10 BUDGETARY COMPARISON SCHEDULE - GENERAL FUND For The Year Ended December 31, 2003 With Comparative Actual Amounts For The Year Ended December 31, 2002 Variance with Final Budget - Budgeted Amounts Positive2002 OriginalFinalActual(Negative)Actual Revenues: General property taxes$4,585,830$4,259,374$4,286,838$27,464$3,782,334 Licenses and permits661,825661,825551,385(110,440)588,965 Intergovernmental537,719455,744508,05452,3101,043,272 Charges for services724,705724,705647,813(76,892)689,427 Fines83,00083,00068,686(14,314)73,475 Investment income100,000100,000(6,407)(106,407)109,524 Miscellaneous219,136219,136226,8687,732208,790 Total revenues6,912,2156,503,7846,283,237(220,547)6,495,787 Expenditures: Current: General government: Mayor and City council92,81892,81891,88393567,692 Newsletter40,70030,70021,6749,02625,634 City clerk134,003133,238129,1954,043125,558 Administration132,711128,524127,725799121,539 Human resources114,33153,04949,4903,55987,756 Financial administration284,787253,402246,5266,876273,152 Elections11,81511,81511,43038538,712 Assessing110,000108,000106,9331,067100,979 Legal137,196137,196146,365(9,169)142,411 Planning and zoning310,115285,167262,46122,706242,373 Information systems150,108141,953131,09610,857128,759 Facility management325,452305,452267,05738,395305,024 Engineering375,320354,502323,47931,023385,203 Total general government2,219,3562,035,8161,915,314120,5022,044,792 Public safety: Police1,421,3121,421,3121,421,312-1,234,866 Fire protection772,759808,856769,14339,713705,320 Protective inspection441,199436,514426,21910,295394,041 Civil defense14,02114,0216,6557,3669,606 Animal control8,9308,9308,6622689,076 Total public safety2,658,2212,689,6332,631,99157,6422,352,909 Public works: Streets and highways377,915337,805313,69124,114392,652 Snow and ice removal551,144551,144483,28867,856521,700 Street lighting159,550159,550174,704(15,154)165,062 Street signs133,241132,486115,20517,281118,265 Traffic signals15,00015,00021,690(6,690)14,464 Total public works1,236,8501,195,9851,108,57887,4071,212,143 Sanitation: Storm sewers121,81460,90750,44310,46463,733 Tree preservation and weed control44,31844,31830,45813,86043,928 Total sanitation$166,132$105,225$80,901$24,324$107,661 (Continued)  CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATIONStatement 10 BUDGETARY COMPARISON SCHEDULE - GENERAL FUND(Continued) For The Year Ended December 31, 2003 With Comparative Actual Amounts For The Year Ended December 31, 2002 Variance with Final Budget - Budgeted Amounts Positive2002 OriginalFinalActual(Negative)Actual Expenditures: Current: (continued) Parks and recreation$636,186$572,265$574,719$(2,454)$643,712 Recycling120,391116,426114,7841,642116,005 Unallocated87,55633,41825,8657,55330,614 Total current7,124,6926,748,7686,452,152296,6166,507,836 Capital outlay General government----58,943 Public works--17,714(17,714)- Parks and recreation40,00030,00024,2855,71518,738 Total capital oulay40,00030,00041,999(11,999)77,681 Total expenditures7,164,6926,778,7686,494,151284,6176,585,517 Revenues over (under) expenditures(252,477)(274,984)(210,914)64,070(89,730) Other financing sources (uses): Transfers in165,000165,000165,000-217,437 Transfers out(190,310)(190,310)(190,310)-(748,893) Proceeds from the sale of capital assets--14,27914,27916,086 Total other financial sources (uses)(25,310)(25,310)(11,031)14,279(515,370) Net increase in fund balance$(277,787)$(300,294)(221,945)$78,349(605,100) Fund balance - January 12,814,9723,420,072 Fund balance - December 31$2,593,027$2,814,972  CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION NOTES TO REQUIRED SUPPLEMENTARY INFORMATION December 31, 2003 Note ALEGAL 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 departmental level for the General Fund. The following is a listing of General Fund departments whose expenditures exceed budget appropriations. FinalOver BudgetActualBudget General Fund: General government: Legal$137,196$146,365$9,169 Public works: Street lighting159,550174,70415,154 Traffic signals15,00021,6906,690 Parks and recreation572,265574,7192,454 Note BMODIFIED APPROACH FOR CITY STREETS AND TRAILS INFRASTRUCTURE CAPITAL ASSETS In accordance with GASB Statement No. 34, the City is required to account for and report infrastructure capital assets. The City defines infrastructure as the basic physical assets including the street and trail system; water treatment and distribution system; wastewater collection system; park and recreation lands and improvement system; storm water conveyance system; and building combined with site amenities such as parking and landscape areas used by the City in the conduct of its business. Each major infrastructure can be divided into subsystems. For example, the street and trail system can be divided into pavement widths, curb type and sidewalk. City owned streets could further be classified as collector or local. Subsystem detail is not presented in these basic financial statements; however, the City maintains detailed information on these subsystems. The City has elected to use the modified approach as defined in GASB Statement No. 34 for infrastructure reporting for its Pavement Management Program. Under GASB Statement No. 34, eligible infrastructure capital assets are not required to be depreciated under the following requirements: 1)The City manages the eligible infrastructure capital assets using an asset management system with characteristics of (a) an up to-date inventory; (2) perform condition assessments and summarize the results using a measurement scale; and (3) estimate annual amount to maintain and preserve at the established condition assessment level. 2)The City documents that the eligible infrastructure capital assets are being preserved approximately at or above the established and disclosed condition assessment level.  CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION NOTES TO REQUIRED SUPPLEMENTARY INFORMATION December 31, 2003 In fall of 2002, the City conducted a physical condition assessment of the streets and trails. This assessment will be performed every three years. Each street and trail segment was assigned a physical condition based on potential defects. An Overall Condition Index (OCI) was assigned to each street and trail and expressed in a continuous scale from 0 to 100, where 0 is assigned to the least acceptable physical condition and 100 is assigned the physical characteristics of a new street or trail. The following conditions were defined: ConditionRating Excellent86 - 100 Very Good71 - 85 Good56 - 70 Fair41 - 55 Poor26 - 40 Very Poor11 - 25 Substandard0 - 10 As of December 31, 2002, the City’s street and trail system was rated at an OCI index of 82 on the average with detail condition as follows: % of Street Conditionand Trails Excellent to Good88% Fair7% Poor to Substandard5% The City’s streets and trails are constantly deteriorating resulting from the following factors: (1) traffic using the system; (2) the sun’s ultra-violet rays drying out and breaking down the top layer of pavement; (3) utility company/private development trenching operations; (4) water damage from natural precipitation; and (5) frost heave. The City is continuously taking actions to prolong the life of the system through short-term maintenance activities such as pothole patching, crack sealing, seal coating and overlaying. The City expended $956,688 on street and trail maintenance for the year ending December 31, 2003. These expenditures delayed deterioration; however, the overall condition of the system was not improved through these maintenance expenditures. The City has estimated that the amount of annual expenditures required to maintain the City’s street and trail system at the average OCI rating of good is approximately $950,000. MaintenanceActualOCI YearEstimateExpendituresRating 2002$900,000$1,590,26882 2003950,000956,68882 The City has an on-going street and trail rehabilitation program funded in the Capital Improvement Program that is intended to improve the condition rating of the City streets and trails. The rehabilitation program is formulated based on the deficiencies identified as a part of its Pavement Management Program.  - This page intentionally left blank -  COMBINING AND INDIVIDUAL FUND STATEMENTS AND SCHEDULES  NONMAJOR GOVERNMENTAL FUNDS SPECIAL REVENUE FUNDS A Special Revenue Fund is used to account for the proceeds of specific revenue sources that are legally restricted to expenditures for specified purposes. Revenues for these funds can come from a variety of sources, such as taxes, fees, gifts and grants or contributions from other governmental entities. Expenditures from these funds are normally restricted by statute, local ordinance or grant agreements. The funds may be used for either operations or capital outlay as legal restrictions mandate. DEBT SERVICE FUNDS A Debt Service Fund accounts for the accumulation of resources for, and the payment of general long-term principal, interest and other related costs. CAPITAL PROJECTS FUNDS A Capital Projects Fund is used to account for acquisition or construction of major capital facilities financed mainly with governmental fund resources, general obligation debt, special assessments, special assessment debt, grants or other resources that are not part of Proprietary Funds or Trust Funds.  CITY OF ANDOVER, MINNESOTA COMBINING BALANCE SHEETStatement 11 NONMAJOR GOVERNMENTAL FUNDS December 31, 2003 With Comparative Totals For December 31, 2002 Totals SpecialDebtCapitalNonmajor Governmental Funds RevenueServiceProjects20032002 Assets Cash and investments$1,658,599$1,009,500$3,073,257$5,741,356$5,045,747 Accrued interest 5,3283,4396,61015,37716,182 Due from other governmental units8,659-32,92341,58231,423 Accounts receivable - net47,009--47,00997,641 Interfund receivable-20,000-20,000- Property taxes receivable: Unremitted1,97050,41992253,3112,881 Delinquent39912,692-13,091673 Special assessments receivable: Unremitted-2,5571,4193,9761,005 Delinquent-5,3451405,485- Deferred-436,565109,214545,779244,872 Notes receivable--15,59515,59537,943 Total assets1,721,9641,540,5173,240,0806,502,5615,478,367 Liabilities, equity and other credits Liabilities: Interfund payable-20,000755,000775,000655,000 Accounts payable1,441-23,12724,5686,366 Contracts payable6,935-95,323102,258276,387 Due to other governmental units1,097-5,7346,831173,098 Salaries payable8,371--8,3716,366 Interfund loan payable--150,000150,000- Deferred revenue478,494454,602124,9491,058,045743,615 Total liabilities496,338474,6021,154,1332,125,0731,860,832 Equity and other credits: Fund balance (deficit): Reserved-1,075,621459,3391,534,960899,238 Unreserved: Designated1,207,537-2,383,1753,590,7123,516,202 Undesignated18,089(9,706)(756,567)(748,184)(797,905) Total equity and other credits1,225,6261,065,9152,085,9474,377,4883,617,535 Total liabilities, equity and other credits$1,721,964$1,540,517$3,240,080$6,502,561$5,478,367  CITY OF ANDOVER, MINNESOTA COMBINING STATEMENT OF REVENUES, EXPENDITURES AND Statement 12 CHANGES IN FUND BALANCES NONMAJOR GOVERNMENTAL FUNDS For The Year Ended December 31, 2003 With Comparative Totals For The Year Ended December 31, 2002 Totals Nonmajor Governmental Funds SpecialDebtCapital RevenueServiceProjects20032002 Revenues: General property taxes$89,658$705,285$45,909$840,852$746,550 Tax increment collections-512,854144,594657,448453,107 Intergovernmental34,191290,113538324,842360,534 Special assessments-300,238148,381448,619399,334 Charges for services215,981--215,981181,514 Investment income51,90326,80414,61093,317257,131 Miscellaneous Park dedication fees--357,483357,483280,312 Other115,125-23,244138,369123,455 Total revenues506,8581,835,294734,7593,076,9112,801,937 Expenditures: Current: General government18,051-131,002149,053107,431 Public works184,449-443,083627,532608,531 Sanitation----2,552 Parks and recreation--38,35938,35945,449 Economic development182,038-289,134471,172720,960 Capital outlay: General government--28,22828,228- Public safety21,276-108,549129,82527,717 Public works43,864-50,47294,336392,122 Sanitation--120,186120,18665,215 Parks and recreation--272,457272,457634,842 Debt service: Principal retirement-4,279,000-4,279,0004,030,000 Interest-939,194-939,1941,250,079 Paying agent fees-3,124-3,1243,115 Professional service-25,015-25,0155,734 Construction/acquisition costs--183,886183,886116,925 Total expenditures449,6785,246,3331,665,3567,361,3678,010,672 Revenues over (under) expenditures57,180(3,411,039)(930,597)(4,284,456)(5,208,735) Other financing sources (uses): Transfers in106,5543,632,718-3,739,2722,242,962 Transfers out(40,021)(1,878,927)(1,120,705)(3,039,653)(1,204,982) Bonds issued-1,530,000794,0002,324,000- Bond premium-5,188-5,188- Proceeds from sale of capital assets19,751-807,876827,6272,106,307 Total other financing sources (uses)86,2843,288,979481,1713,856,4343,144,287 Net increase (decrease) in fund balance143,464(122,060)(449,426)(428,022)(2,064,448) Fund balance - January 11,082,1621,187,9752,535,3734,805,5106,869,958 Fund balance - December 31$1,225,626$1,065,915$2,085,947$4,377,488$4,805,510  NONMAJORSPECIAL REVENUE FUNDS The City of Andover had the following Special Revenue Funds during the year: Forestry- This fund was established to account for the protection of forest resources and the development of control plans to ensure preservation or restoration of these resources. LRRWMO- This fund is used to account for the City’s involvement with the Lower Rum River Watershed Management Organization (LRRWMO). Drainage and Mapping- This fund accounts for resources necessary to maintain existing maps and developing new maps and mapping systems for the City. EDA General- This fund was established to account for activities designed to promote quality economic development within in the community. Trail and Transportation- This fund is used to account for contributions associated with land development to be used for constructing and upgrading the City’s trail system. Right-of-Way Management/Utility- This fund is used to account for activity associated with the management of the public right-of-ways. Capital Equipment Reserve- This fund is used to account for the capital equipment/projects levy and the various capital expenditures it will be used for. Construction Seal Coating- This fund accounts for the contributions associated with land development to be used for the respective developments first application of crack seal and seal coat.  CITY OF ANDOVER, MINNESOTA SUBCOMBINING BALANCE SHEET NONMAJOR SPECIAL REVENUE FUNDS December 31, 2003 With Comparative Totals For December 31, 2002 Drainage andEDA ForestryLRRWMOMappingGeneral Assets Cash and investments$6,151$4,635$27,418$5,630 Accrued interest4415100- Due from other governmental units8,159500-- Accounts receivable---22,504 Property taxes receivable: Unremitted-607-- Delinquent-399-- Total assets14,3546,15627,51828,134 Liabilities and Fund Balance Liabilities: Interfund payable---- Accounts payable592--849 Contracts payable-6,475-460 Due to other governmental units1813016672 Salaries payable135990-5,209 Deferred revenue-399-- Total liabilities7457,994167,190 Fund balance (deficit): Unreserved: Designated for working capital13,609-7,57520,944 Designated for projects---- Designated for equipment---- Undesignated-(1,838)19,927- Total fund balance (deficit)13,609(1,838)27,50220,944 Total liabilities and fund balance$14,354$6,156$27,518$28,134  Statement 13 Totals Right-of-WayCapital Nonmajor Special Revenue Funds Trail andManagement/EquipmentConstruction TransportationUtilityReserveSeal Coating20032002 $89,840$184,820$728,203$611,902$1,658,599$1,493,717 2965622,2402,0715,3284,878 ----8,659- -24,505--47,00983,326 --1,363-1,9702,359 ----399673 90,136209,887731,806613,9731,721,9641,584,953 -----12,000 ----1,441947 ----6,93521,834 -261--1,097844 -2,037--8,3716,366 ---478,095478,494460,800 -2,298-478,095496,338502,791 -32,150--74,27863,412 90,136175,439-135,878401,453353,446 --731,806-731,806667,108 ----18,089(1,804) 90,136207,589731,806135,8781,225,6261,082,162 $90,136$209,887$731,806$613,973$1,721,964$1,584,953  CITY OF ANDOVER, MINNESOTA SUBCOMBINING STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES NONMAJOR SPECIAL REVENUE FUNDS For The Year Ended December 31, 2003 With Comparative Totals For The Year Ended December 31, 2002 Drainage andEDA ForestryLRRWMOMappingGeneral Revenues: General property taxes$-$21,771$-$- Intergovernmental27,215256-- Charges for services4,318-8,44432,863 Investment income328(576)2,048- Miscellaneous---114,490 Total revenues31,86121,45110,492147,353 Expenditures: Current: General government---- Public works31,73642,45912,602- Sanitation---- Economic development---182,038 Capital outlay: Public safety---- Public works---- Sanitation---- Parks and recreation---- Total expenditures31,73642,45912,602182,038 Revenues over (under) expenditures125(21,008)(2,110)(34,685) Other financing sources (uses): Transfers in--40,05746,497 Transfers out-(5,007)-- Proceeds from sale of capital assets---- Total financing sources (uses)-(5,007)40,05746,497 Net increase (decrease) in fund balance125(26,015)37,94711,812 Fund balance (deficit) - January 113,48424,177(10,445)9,132 Fund balance (deficit) - December 31$13,609$(1,838)$27,502$20,944  Statement 14 Totals Right-of-WayCapital Nonmajor Special Revenue Funds Trail andManagement/EquipmentConstruction TransportationUtilityReserveSeal Coating20032002 $-$-$67,887$-$89,658$200,991 5,925-795-34,19133,114 79,93069,065-21,361215,981181,514 2,9977,35519,95719,79451,90348,483 --635-115,12593,278 88,85276,42089,27441,155506,858557,380 --18,051-18,051107,431 6,00958,425-33,218184,449110,521 -----271 ----182,038155,684 --21,276-21,27627,717 43,864---43,864106,003 -----65,215 -----31,898 49,87358,42539,32733,218449,678604,740 38,97917,99549,9477,93757,180(47,360) --20,000-106,55438,444 -(10,014)(25,000)-(40,021)(745,337) --19,751-19,75144,905 -(10,014)14,751-86,284(661,988) 38,9797,98164,6987,937143,464(709,348) 51,157199,608667,108127,9411,082,1621,791,510 $90,136$207,589$731,806$135,878$1,225,626$1,082,162  - This page intentionally left blank -  NONMAJOR DEBT SERVICE FUNDS The City's Debt Service Funds account for six types of bonded indebtedness: x G.O. Revenue Bonds x Special Assessment Bonds x Tax Increment Bonds x Certificates of Indebtedness x Permanent Improvement Revolving Bonds x State Aid Bonds G.O. Revenue Bonds– (EDA Public Project Revenue Bonds of 1997) are repaid from annual lease payments from the City. Special Assessment Bonds– (issues 1993A, 1994C, 1995A and 1997B) are used to finance assessable improvements within the City and are repaid primarily from special assessments levied against benefited properties. Tax Increment Bonds– (Tax Increment Bonds of 1994B, 1999, 2000A and 2003B Refunding) are repaid primarily from tax increments. Certificates of Indebtedness– (G.O. Equipment Certificate of 1999, 2001C Capital Notes and G.O. Equipment Certificate of 2003) are repaid primarily from general property taxes. Permanent Improvement Revolving (PIR) Bonds– (G.O. PIR Bonds of 2000B, 2001A and 2003A) are used to finance assessable improvements within the City and are repaid primarily from special assessments levied against benefited properties. StateAid Bonds– (2001B State Aid Bonds) are used to finance MSA eligible cost for road construction and improvements. These bonds are repaid from a portion of state aid allotments received by the City.  CITY OF ANDOVER, MINNESOTA SUBCOMBINING BALANCE SHEET NONMAJOR DEBT SERVICE FUNDS December 31, 2003 With Comparative Totals For December 31, 2002 EDA Public TIFG.O.G.O.ProjectG.O. BondsImprovementImprovementRevenueEquipmentTIFTIF of 1994BBonds ofBonds ofBondsCertificateBondsBonds Project 1-21994C1995Aof 1997of 1999of 1999of 2000A Assets Cash and investments$80,562$37,196$177,392$22,254$9,963$127,878$195,775 Accrued interest182521,265442-531261 Interfund receivable------- Property taxes receivable: Unremitted4,200---5,53613,64918,338 Delinquent----4,950-- Special assessments receivable: Unremitted-7731,784---- Delinquent-1,8373,508---- Deferred-263,977172,588---- Total assets84,944303,835356,53722,69620,449142,058214,374 Liabilities and Fund Balance Liabilities: Interfund payable------- Deferred revenue-265,814176,096-4,950-- Total liabilities-265,814176,096-4,950-- Fund balance (deficit): Reserved for debt service84,94438,021180,44122,69615,499142,058214,374 Unreserved: Undesignated------- Total fund balance (deficit)84,94438,021180,44122,69615,499142,058214,374 Total liabilities and fund balance$84,944$303,835$356,537$22,696$20,449$142,058$214,374  Statement 15 G.O.G.O.G.O.G.O.G.O. TIF PIR FundCapitalPIR FundStateEquipmentPIR FundRefundingTotals Nonmajor Debt Service Funds Bonds ofNotesBonds ofAid BondsCertificateBonds ofBonds 2000B2001C2001A2001B20032003A2003B20032002 $9,798$50,298$31,734$202,284$6,360$47,610$10,396$1,009,500$1,171,329 31-103133268155163,4393,787 -20,000-----20,000- -5,030--3,666--50,4199,789 -4,442--3,300--12,69210,338 -------2,5573,071 -------5,3456,193 -------436,565700,857 9,82979,77031,837202,41713,59447,76510,4121,540,5171,905,364 ----20,000--20,000- -4,442--3,300--454,602717,389 -4,442--23,300--474,602717,389 9,82975,32831,837202,417-47,76510,4121,075,6211,187,975 ----(9,706)--(9,706)- 9,82975,32831,837202,417(9,706)47,76510,4121,065,9151,187,975 $9,829$79,770$31,837$202,417$13,594$47,765$10,412$1,540,517$1,905,364  CITY OF ANDOVER, MINNESOTA SUBCOMBINING STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES NONMAJOR DEBT SERVICE FUNDS For The Year Ended December 31, 2003 With Comparative Totals For The Year Ended December 31, 2002 EDA Public TIFG.O.G.O.G.O.ProjectG.O.G.O. BondsImprovementImprovementImprovementRevenueImprovementEquipmentTIF of 1994BBonds ofBonds ofBonds ofBondsBonds ofCertificateBonds Project 1-21993A1994C1995Aof 19971997Bof 1999of 1999 Revenues: General property taxes$-$-$-$-$-$-$274,356$- Tax increment collections59,519------193,436 Intergovernmental4,978-----3,18516,179 Special assessments-100,26652,905145,856-1,211-- Investment income(1,451)3,052(3,128)17,5497,6715,223(7,208)8,709 Total revenues63,046103,31849,777163,4057,6716,434270,333218,324 Expenditures: Debt service: Principal retirement90,000365,000120,000280,00070,000775,000270,000110,000 Interest9,43517,33822,30254,665120,31034,87517,60059,475 Paying agent fees-480496446---- Professional services-5127204,064---- Total expenditures99,435383,330143,518339,175190,310809,875287,600169,475 Revenues over (under) expenditures(36,389)(280,012)(93,741)(175,770)(182,639)(803,441)(17,267)48,849 Other financing sources (uses): Transfers in13,680308,69244,700302,700190,310774,148-45,600 Transfers out-(42,027)-(321,900)---- Bonds issued-------- Bond premium-------- Total other financing sources (uses)13,680266,66544,700(19,200)190,310774,148-45,600 Net increase (decrease) in fund balance(22,709)(13,347)(49,041)(194,970)7,671(29,293)(17,267)94,449 Fund balance - January 1107,65313,34787,062375,41115,02529,29332,76647,609 Fund balance - December 31$84,944$-$38,021$180,441$22,696$-$15,499$142,058  Statement 16 G.O.G.O.G.O.G.O.G.O. TIF Totals TIFPIR FundCapitalPIR FundStateEquipmentPIR FundRefunding Nonmajor Debt Service Funds BondsBonds ofNotesBonds ofAid BondsCertificateBonds ofBonds of 2000A2000B2001C2001A2001B20032003A2003B20032002 $-$-$249,248$-$-$181,681$-$-$705,285$501,108 259,899-------512,854307,095 21,738-2,895-239,0302,108--290,113322,346 --------300,238322,783 (1,233)(2,768)(6,448)(3,787)(6,418)4,4362,6629,94326,80459,734 280,404(2,768)245,695(3,787)232,612188,2252,6629,9431,835,2941,513,066 120,000610,000230,000920,000125,000194,000--4,279,0004,030,000 159,700131,06231,338166,133111,0303,931--939,1941,250,079 288288378374374---3,1243,115 -------19,71925,0155,734 279,988741,350261,7161,086,507236,404197,931-19,7195,246,3335,288,928 416(744,118)(16,021)(1,090,294)(3,792)(9,706)2,662(9,776)(3,411,039)(3,775,862) 59,280742,02220,0001,086,483--45,103-3,632,7181,769,097 -------(1,515,000)(1,878,927)(176,130) -------1,530,0001,530,000- -------5,1885,188- 59,280742,02220,0001,086,483--45,10320,1883,288,9791,592,967 59,696(2,096)3,979(3,811)(3,792)(9,706)47,76510,412(122,060)(2,182,895) 154,67811,92571,34935,648206,209---1,187,9753,370,870 $214,374$9,829$75,328$31,837$202,417$(9,706)$47,765$10,412$1,065,915$1,187,975  - This page intentionally left blank -  NONMAJORCAPITAL PROJECT FUNDS The City of Andover had the following Capital Projects Funds during the year: Storm Sewer Project- This fund was established to account for storm sewer fees and improvements as part of development and ongoing maintenance. Unfinanced- This fund was established to account for projects that have been internally financed by the City where it is not practical to issue bonds to finance. Tax Increment Projects– This fund was established to account for activities in TIF districts 1-1, 1-2 and all TIF land sales and expenditures to reach the goals of the TIF district plans. Park Dedication- This fund was established to account for contributions associated with land development to be used for constructing and upgrading the City’s park system. Capital Notes 2003- This fund was established to account for the purchase of capital equipment that was financed through the issuance of capital notes. This fund was closed in 2003. Capital Notes 2003C- This fund was established to account for the purchase of capital equipment that was financed through the issuance of capital notes. State Aid Bonds 2001B- This fund was established to account for the construction and maintenance of various MSA eligible projects.  CITY OF ANDOVER, MINNESOTA SUBCOMBINING BALANCE SHEET NONMAJOR CAPITAL PROJECTS FUNDS December 31, 2003 Comparative Totals For December 31, 2002 StormTax SewerIncrement ProjectUnfinancedProjects Assets Cash and investments$8,699$5,427$1,616,817 Accrued interest--3,330 Due from other governmental units--31,423 Accounts receivable--- Property taxes receivable: Unremitted--- Special assessments receivable: Unremitted-1,419- Delinquent-140- Deferred-103,1016,113 Notes receivable--15,595 Total assets8,699110,0871,673,278 Liabilities and Fund Balance Liabilities: Interfund payables120,000635,000- Accounts payable--2 Contracts payable-17,1124,657 Due to other governmental units--5,734 Interfund loan payable--- Deferred revenue-103,24121,708 Total liabilities120,000755,35332,101 Fund balance (deficit): Reserved for projects--- Unreserved: Designated for projects--1,641,177 Undesignated(111,301)(645,266)- Total fund balance (deficit)(111,301)(645,266)1,641,177 Total liabilities and fund balance$8,699$110,087$1,673,278  Statement 17 Totals CapitalState Nonmajor Capital Projects Funds ParkNotesAid Bonds Dedication2003C2001B20032002 $509,058$402,399$530,857$3,073,257$3,552,030 1,0721722,0366,61011,304 1,500--32,92331,423 ----14,315 922--922522 ---1,4191,005 ---140- ---109,214244,872 ---15,59537,943 512,552402,571532,8933,240,0803,893,414 ---755,000643,000 21,0792,046-23,1275,419 --73,55495,323254,553 ---5,734172,254 150,000--150,000- ---124,949282,815 171,0792,04673,5541,154,1331,358,041 --459,339459,339899,238 341,473400,525-2,383,1752,432,236 ---(756,567)(796,101) 341,473400,525459,3392,085,9472,535,373 $512,552$402,571$532,893$3,240,080$3,893,414  CITY OF ANDOVER, MINNESOTA SUBCOMBINING STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES NONMAJOR CAPITAL PROJECTS FUNDS For The Year Ended December 31, 2003 With Comparative Totals For The Year Ended December 31, 2002 StormTax SewerIncrement ProjectUnfinancedProjects Revenues: General property taxes$-$-$- Tax increment collections--144,594 Intergovernmental--- Special assessments-147,3031,078 Investment income-(16,911)6,957 Miscellaneous Park dedication fees--- Other--22,354 Total revenues-130,392174,983 Expenditures: Current: General government--- Public works-21,326- Sanitation--- Parks and recreation--- Economic development--289,134 Capital outlay: General government--- Public safety--- Public works--- Sanitation--- Parks and recreation--- Construction/acquisition costs-69,53223,181 Total expenditures-90,858312,315 Revenues over (under) expenditures-39,534(137,332) Other financing sources (uses): Transfers in --- Transfers out--(1,120,705) Bonds issued--- Proceeds from sale of capital assets--777,140 Total other financing sources (uses)--(343,565) Net increase (decrease) in fund balance-39,534(480,897) Fund balance - January 1(111,301)(684,800)2,122,074 Fund balance - December 31$(111,301)$(645,266)$1,641,177  Statement 18 Totals CapitalCapitalState Nonmajor Capital Projects Funds ParkNotesNotesAid Bonds Dedication20032003C2001B20032002 $45,909$-$-$-$45,909$44,451 ----144,594146,012 538---5385,074 ----148,38176,551 9,8271,8472,57010,32014,610148,914 357,483---357,483280,312 890---23,24430,177 414,6471,8472,57010,320734,759731,491 -128,9572,045-131,002- ---421,757443,083498,010 -----2,281 38,359---38,35945,449 ----289,134565,276 -28,228--28,228- -108,549--108,549- -25,051-25,42150,472286,119 -117,145-3,041120,186- 253,80418,653--272,457602,944 91,173---183,886116,925 383,336426,5832,045450,2191,665,3562,117,004 31,311(424,736)525(439,899)(930,597)(1,385,513) -----435,421 ----(1,120,705)(283,515) -394,000400,000-794,000- -30,736--807,8762,061,402 -424,736400,000-481,1712,213,308 31,311-400,525(439,899)(449,426)827,795 310,162--899,2382,535,3731,707,578 $341,473$-$400,525$459,339$2,085,947$2,535,373  CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - FORESTRYStatement 19 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2003 With Comparative Actual Amounts For The Year Ended December 31, 2002 Variance with Final Budget - Budgeted Amounts Positive2002 OriginalFinalActual(Negative)Actual Revenues: Intergovernmental$-$-$27,215$27,215$- Charges for services10,00010,0004,318(5,682)6,742 Investment income400400328(72)200 Total revenues10,40010,40031,86121,4616,942 Expenditures: Current: Public works12,38712,38731,736(19,349)17,577 Revenues over (under) expenditures(1,987)(1,987)1252,112(10,635) Other financing sources (uses): Transfers out----(5,631) Net increase (decrease) in fund balance$(1,987)$(1,987)125$2,112(16,266) Fund balance (deficit) - January 113,48429,750 Fund balance (deficit) - December 31$13,609$13,484  CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - LRRWMOStatement 20 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2003 With Comparative Actual Amounts For The Year Ended December 31, 2002 Variance with Final Budget - Budgeted Amounts Positive2002 OriginalFinalActual(Negative)Actual Revenues: General property taxes$24,000$24,000$21,771$(2,229)$23,186 Intergovernmental--2562562,819 Investment income300300(576)(876)1,164 Total revenues24,30024,30021,451(2,849)27,169 Expenditures: Current: Public works31,07137,54642,459(4,913)24,674 Revenues over (under) expenditures(6,771)(13,246)(21,008)(7,762)2,495 Other financing sources (uses): Transfers out(5,007)(5,007)(5,007)-- Net increase (decrease) in fund balance$(11,778)$(18,253)(26,015)$(7,762)2,495 Fund balance (deficit) - January 124,17721,682 Fund balance (deficit) - December 31$(1,838)$24,177  CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - DRAINAGE AND MAPPINGStatement 21 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2003 With Comparative Actual Amounts For The Year Ended December 31, 2002 Variance with Final Budget - Budgeted Amounts Positive2002 OriginalFinalActual(Negative)Actual Revenues: Charges for services$10,500$10,500$8,444$(2,056)$10,691 Investment income--2,0482,048- Miscellaneous----629 Total Revenues10,50010,50010,492(8)11,320 Expenditures: Current: Public works13,45013,45012,6028489,347 Revenues over (under) expenditures(2,950)(2,950)(2,110)8401,973 Other financing sources (uses): Transfers in40,05740,05740,057-1,630 Net increase (decrease) in fund balance$37,107$37,10737,947$8403,603 Fund balance (deficit) - January 1(10,445)(14,048) Fund balance (deficit) - December 31$27,502$(10,445)  CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - EDA GENERALStatement 22 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2003 With Comparative Actual Amounts For The Year Ended December 31, 2002 Variance with Final Budget - Budgeted Amounts Positive OriginalFinalActual(Negative)Actual Revenues: Charges for services$-$-$32,863$-$2 Miscellaneous88,00088,000114,49026,49088,000 Total revenues88,00088,000147,35326,49088,002 Expenditures: Current: Economic development147,661147,661182,038(34,377)155,684 Capital outlay: Economic development35,00035,000-35,000- Total expenditures182,661182,661182,038623155,684 Revenues over (under) expenditures(94,661)(94,661)(34,685)27,113(67,682) Other financing sources (uses): Transfers in--46,49746,497- Proceeds from sale of capital assets101,440101,440-(101,440)- Total financing sources (uses)101,440101,44046,497(54,943)- Net increase (decrease) in fund balance$6,779$6,77911,812$(27,830)(67,682) Fund balance (deficit) - January 19,13276,814 Fund balance (deficit) - December 31$20,944$9,132  CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - TRAIL AND TRANSPORTATIONStatement 23 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2003 With Comparative Actual Amounts For The Year Ended December 31, 2002 Variance with Final Budget - Budgeted Amounts Positive2002 OriginalFinalActual(Negative)Actual Revenues: Intergovernmental$-$-$5,925$5,925$- Charges for services80,00080,00079,930(70)26,344 Investment income2,6002,6002,9973971,798 Total revenues82,60082,60088,8526,25228,142 Expenditures: Current: Public works--6,009(6,009)5,888 Capital outlay: Public works35,00035,00043,864(8,864)106,003 Total expenditures35,00035,00049,873(14,873)111,891 Net increase (decrease) in fund balance$47,600$47,60038,979$(8,621)(83,749) Fund balance (deficit) - January 151,157134,906 Fund balance (deficit) - December 31$90,136$51,157  CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - RIGHT-OF-WAY MANAGEMENT/UTILITYStatement 24 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2003 With Comparative Actual Amounts For The Year Ended December 31, 2002 Variance with Final Budget - Budgeted Amounts Positive OriginalFinalActual(Negative)Actual Revenues: Charges for services$32,950$32,950$69,065$36,115$137,735 Investment income1,0001,0007,3556,3556,877 Total revenues33,95033,95076,42042,470144,612 Expenditures: Current: Public works65,10165,10158,4256,67642,785 Revenues over (under) expenditures(31,151)(31,151)17,99549,146101,827 Other financing sources (uses): Transfers out(10,014)(10,014)(10,014)-- Net increase (decrease) in fund balance$(41,165)$(41,165)7,981$49,146101,827 Fund balance (deficit) - January 1199,60897,781 Fund balance (deficit) - December 31$207,589$199,608  CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - CAPITAL EQUIPMENT RESERVEStatement 25 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2003 With Comparative Actual Amounts For The Year Ended December 31, 2002 Variance with Final Budget - Budgeted Amounts Positive OriginalFinalActual(Negative)Actual Revenues: General property taxes$203,200$75,565$67,887$(7,678)$177,805 Intergovernmental--79579520,295 Investment income20,00020,00019,957(43)10,864 Miscellaneous--6356354,649 Total revenues223,20095,56589,274(6,291)213,613 Expenditures: Current: General government3,0003,00018,051(15,051)107,431 Capital outlay: Public safety137,210137,21021,276115,93427,717 Sanitation----65,215 Parks and recreation----31,898 Total expenditures140,210140,21039,327100,883232,261 Revenues over (under) expenditures82,990(44,645)49,94794,592(18,648) Other financing sources (uses): Transfers in20,00020,00020,000-20,733 Transfers out(225,000)(225,000)(25,000)200,000(731,517) Proceeds from the sale of capital assets--19,75119,75144,905 Total financing sources (uses)(205,000)(205,000)14,751219,751(665,879) Net increase (decrease) in fund balance$(122,010)$(249,645)64,698$314,343(684,527) Fund balance (deficit) - January 1667,1081,351,635 Fund balance (deficit) - December 31$731,806$667,108  CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - CONSTRUCTION SEAL COATINGStatement 26 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2003 With Comparative Actual Amounts For The Year Ended December 31, 2002 Variance with Final Budget - Budgeted Amounts Positive OriginalFinalActual(Negative)Actual Revenues: Charges for services$18,677$18,677$21,361$2,684$- Investment income11,00011,00019,7948,79427,580 Total revenues29,67729,67741,15511,47827,580 Expenditures: Current: Public works18,67718,67733,218(14,541)33,218 Revenue over (under) expenditures11,00011,0007,937(3,063)(5,638) Other financing sources (uses) Transfers in----10,450 Net increase (decrease) in fund balance$11,000$11,0007,937$(3,063)4,812 Fund balance (deficit) - January 1127,94189,911 Fund balance (deficit) - December 31$135,878$94,723  INTERNAL SERVICE FUNDS Internal Service Funds are used to account for the financing of goods or services provided by one department or agency to other departments or agencies of the government and to other government units, on a cost reimbursement basis. The City of Andover had the following Internal Service Funds during the year: Central Equipment Maintenance– This fund accounts for the maintenance of the equipment for the City. Risk Management– This fund accounts for the expenditures in payment of insurance deductibles, loss reduction, safety training and administrative expense.  CITY OF ANDOVER, MINNESOTA COMBINING STATEMENT OF NET ASSETSStatement 27 INTERNAL SERVICE FUNDS December 31, 2003 With Comparative Totals for December 31, 2002 Central Totals EquipmentRisk MaintenanceManagement20032002 Assets Current assets: Cash and cash equivalents$131,946$66,681$198,627$168,757 Accrued interest497175672557 Prepaid items-44,58044,58035,851 Inventories - at cost49,905-49,90545,757 Total assets182,348111,436293,784250,922 Liabilities Current liabilities: Accounts payable4,2961004,3965,359 Due to other governmental units93960999858 Salaries payable6,4154796,8946,697 Total liabilities11,65063912,28912,914 Net assets Unrestricted$170,698$110,797$281,495$238,008  CITY OF ANDOVER, MINNESOTA COMBINING STATEMENT OF REVENUES, EXPENSES AND Statement 28 CHANGES IN FUND NET ASSETS INTERNAL SERVICE FUNDS For The Year Ended December 31, 2003 With Comparative Totals For The Year Ended December 31, 2002 Central Totals EquipmentRisk MaintenanceManagement20032002 Operating revenues: User charges$427,001$-$427,001$435,998 Other100232,759232,85931,235 Total operating revenues427,101232,759659,860467,233 Operating expenses: Personal services174,99249,591224,583179,449 Supplies143,05943143,102125,844 Other service charges73,196179,710252,906104,014 Total operating expenses391,247229,344620,591409,307 Operating income (loss)35,8543,41539,26957,926 Nonoperating revenues (expenses): Investment income3,7334854,2188,106 Change in net assets39,5873,90043,48766,032 Net assets - January 1131,111106,897238,008171,976 Net assets - December 31$170,698$110,797$281,495$238,008  CITY OF ANDOVER, MINNESOTA COMBINING STATEMENT OF CASH FLOWSStatement 29 INTERNAL SERVICE FUNDS For The Year Ended December 31, 2003 With Comparative Totals For The Year Ended December 31, 2002 Central Totals EquipmentRisk MaintenanceManagement20032002 Cash flows from operating activities: Receipts from customers and users$427,101$232,759$659,860$467,233 Payment to suppliers(221,335)(188,372)(409,707)(284,286) Payment to employees(174,877)(49,509)(224,386)(180,300) Net cash flows from operating activities30,889(5,122)25,7672,647 Cash flows from investing activities: Investment income3,5585454,1037,765 Net increase in cash and cash equivalents34,447(4,577)29,87010,412 Cash and cash equivalents - January 197,49971,258168,757158,345 Cash and cash equivalents - December 31$131,946$66,681$198,627$168,757 Reconciliation of operating income to net cash provided (used) by operating activities: Operating income (loss) $35,854$3,415$39,269$57,926 Adjustments to reconcile operating income (loss) to net cash flows from operating activities: Changes in assets and liabilities: Decrease (increase) in prepaid items-(8,729)(8,729)(35,851) Decrease (increase) in inventory(4,148)-(4,148)(16,451) Increase (decrease) in accounts payable(1,063)100(963)(2,984) Increase (decrease) in due to other governmental units13110141858 Increase (decrease) in salaries payable11582197571 Increase (decrease) in compensated absences---(1,422) Total adjustments(4,965)(8,537)(13,502)(55,279) Net cash provided by operating activities$30,889$(5,122)$25,767$2,647  AGENCY FUNDS Agency Funds are used to account for assets held by the City in a trustee capacity or as an agent for individuals, private organizations and/or other governmental units. The City of Andover had the following Agency Funds during the year: General Escrow– This fund is used to account for distribution of funds for insurance premiums of retirees. General Agency– This fund is used to account for the collection and distribution of funds relating to development activities.  CITY OF ANDOVER, MINNESOTA COMBINING STATEMENT OF NET ASSETSStatement 30 FIDUCIARY FUNDS December 31, 2003 BalanceBalance January 1,December 31, 2003AdditionsDeletions2003 General Escrow Fund Assets Cash and investments$23,891$28,548$(11,126)$41,313 Liabilities Deposits payable23,89128,548(11,126)41,313 Total liabilities$23,891$28,548$(11,126)$41,313 General Agency Fund Assets Cash and investments$305,456$522,710$(433,783)$394,383 Liabilities Accounts payable-6,978(6,489)489 Contracts payable2,2483,620(2,248)3,620 Deposits payable303,208512,112(425,046)390,274 Total liabilities$305,456$522,710$(433,783)$394,383 Total Fiduciary Funds Assets Cash and investments$329,347$551,258$(444,909)$435,696 Liabilities Accounts payable-6,978(6,489)489 Contracts payable2,2483,620(2,248)3,620 Deposits payable327,099540,660(436,172)431,587 Total liabilities$329,347$551,258$(444,909)$435,696  CAPITAL ASSETS USED IN THE OPERATION OF GOVERNMENTAL FUNDS  CITY OF ANDOVER, MINNESOTA SCHEDULE OF CAPITAL ASSETS USED IN THE OPERATIONStatement 31 OF GOVERNMENTAL FUNDS SCHEDULE BY SOURCE For The Year Ended December 31, 2003 BalanceBalance January 1,December 31, Description2003AdditionsDeletions2003 Land and improvements$8,013,110$453,717$(198,674)$8,268,153 Buildings and improvements5,710,212126,556(84,393)5,752,375 Furniture and equipment59,38728,228-87,615 Machinery and equipment5,399,634199,839(509,122)5,090,351 Other park improvements2,774,922235,797(10,000)3,000,719 Streets and trails69,740,833867,955-70,608,788 Storm sewers7,045,960-(7,045,960)- Construction in progress1,162,1373,537,401(1,045,212)3,654,326 Totals$99,906,195$5,449,493$(8,893,361)$96,462,327 Investments in Capital Assets from: General Fund$569,433 Special Revenue Funds502,554 Capital Project Funds95,263,792 Donations51,577 Other74,971 Total investments in capital assets$96,462,327  CITY OF ANDOVER, MINNESOTA CAPITAL ASSETS USED IN THE OPERATION OF GOVERNMENTAL FUNDS SCHEDULE BY FUNCTION AND ACTIVITY December 31, 2003 Land &Buildings &Furniture &Machinery & Function and ActivityImprovementsImprovementsEquipmentEquipment General government: Administration$-$1,710,318$-$- Financial adminstration--22,787- Planning and zoning---14,312 Information services--22,689- Engineering--18,29761,365 Total general government-1,710,31863,77375,677 Public safety: Fire protection-1,254,56623,8422,103,963 Protective inspection---104,107 Civil defense-148,476-6,928 Total public safety-1,403,04223,8422,214,998 Public works: Streets and highways-2,248,321-2,047,488 Snow and ice removal---6,390 Street signs---22,679 Total public works-2,248,321-2,076,557 Parks and recreation3,481,376390,694-723,119 Economic development4,786,777--- Construction in progress---- Totals$8,268,153$5,752,375$87,615$5,090,351  Statement 32 Other ParkStreets &Construction ImprovementsTrailsIn ProgressTotal $-$-$-$1,710,318 ---22,787 ---14,312 ---22,689 ---79,662 ---1,849,768 ---3,382,371 ---104,107 ---155,404 ---3,641,882 -70,608,788-74,904,597 ---6,390 ---22,679 -70,608,788-74,933,666 3,000,719--7,595,908 ---4,786,777 --3,654,3263,654,326 $3,000,719$70,608,788$3,654,326$96,462,327  CITY OF ANDOVER, MINNESOTA CAPITAL ASSETS USED IN THE OPERATIONStatement 33 OF GOVERNMENTAL FUNDS SCHEDULE BY FUNCTION AND ACTIVITY December 31, 2003 BalanceBalance January 1,December 31, Function and Activity2003AdditionsDeletions2003 General government: Administration$1,710,318$-$-$1,710,318 Financial adminstration22,787--22,787 Planning and zoning14,312--14,312 Information services-22,689-22,689 Engineering104,522-(24,860)79,662 Total general government1,851,93922,689(24,860)1,849,768 Public safety: Fire protection3,373,05626,815(17,500)3,382,371 Protective inspection104,107--104,107 Civil defense131,248108,549(84,393)155,404 Total public safety3,608,411135,364(101,893)3,641,882 Public works: Streets and highways74,214,6021,027,865(337,870)74,904,597 Snow and ice removal6,390--6,390 Street signs22,679--22,679 Total public works74,243,6711,027,865(337,870)74,933,666 Sanitation: Storm sewers7,136,949-(7,136,949)- Parks and recreation6,917,637726,174(47,903)7,595,908 Economic development4,985,451-(198,674)4,786,777 Construction in progress1,162,1373,537,401(1,045,212)3,654,326 Totals$99,906,195$5,449,493$(8,893,361)$96,462,327  SUPPLEMENTARY FINANCIAL INFORMATION  CITY OF ANDOVER, MINNESOTA COMBINED SCHEDULE OF INDEBTEDNESS December 31, 2003 Authorized IssueMaturityInterestand DateDateRateIssue GOVERNMENTAL ACTIVITIES: General Obligation Revenue Bonds: 1997 Public Project Revenue Bonds9/1/199712/1/20164.50-5.90%$2,350,000 Special Assessment Bonds: 1993A G.O. Improvement Bonds8/1/19938/1/20034.00-4.75%3,650,000 1994C G.O. Improvement Bonds10/1/19942/1/20065.05-5.75%1,140,000 1995A G.O. Improvement Bonds7/1/19952/1/20064.85-5.30%2,605,000 1997B G.O. Improvement Bonds7/1/199712/1/20033.90-4.70%6,315,000 Total special assessment bonds13,710,000 Tax Increment Bonds: 1994B G.O. Tax Increment Refunding Bonds5/1/19945/1/20046.97-7.87%885,000 1995D Tax Increment Bonds10/1/19952/1/20134.50-5.60%6,055,000 1996 Tax Increment Bonds6/1/19968/1/20124.75-5.40%2,055,000 1999 Tax Increment Bonds6/1/199912/1/20124.00-5.00%1,500,000 2000A Tax Increment Bonds9/1/20002/1/20106.80-7.10%2,445,000 2003B G.O. Tax Increment Refunding Bonds6/1/20038/1/20102.00-3.00%1,530,000 Total tax increment bonds14,470,000 Certificates of Indebtedness: 1999 G.O. Equipment Certificates6/1/19992/1/20043.70-4.00%1,050,000 2001C G.O. Capital Notes6/5/20012/1/20062.90-3.80%1,210,000 2003 G.O. Equipment Certificates3/11/20036/1/20041.50-1.75%394,000 2003C G.O. Equipment Certificates12/18/200312/1/20061.50%400,000 Total certificates of indebtedness3,054,000 Permanent Improvement Revolving Bonds: 2000B Permanent Improvement Revolving Bonds9/1/20002/1/20074.20-4.375%3,350,000 2001A Permanent Improvement Revolving Bonds6/5/20012/1/20073.20-4.00%4,975,000 2003A Permanent Improvement Revolving Bonds6/1/20032/1/20102.00-2.60%4,580,000 Total permanent improvement revolving bonds12,905,000 State Aid Bonds: 2001B State Aid Street Bonds6/5/20012/1/20172.90-5.00%2,755,000 Total Bonded Indebtedness49,244,000 Compensated absences347,534 Total governmental activities indebtedness49,591,534 BUSINESS-TYPE ACTIVITIES: General Obligation Revenue Bonds: 2002 G.O. Water Revenue Bonds5/9/20022/1/20232.30-5.00%9,780,000 Compensated absences58,967 Total business-type activities indebtedness9,838,967 Total City indebtedness$59,430,501  Exhibit 1 Principal Payments 2004 Payment PriorCurrentOutstanding YearsYear12/31/03PrincipalInterestTotal $235,000$70,000$2,045,000$80,000$116,740$196,740 3,285,000365,000---- 680,000120,000340,000340,0009,531349,531 1,410,000280,000915,000915,00023,798938,798 5,540,000775,000---- 10,915,0001,540,0001,255,0001,255,00033,3291,288,329 720,00090,00075,00075,0002,95177,951 1,055,000225,0004,775,000250,000242,225492,225 435,0001,620,000---- 130,000110,0001,260,000140,00054,250194,250 150,000120,0002,175,000210,000150,712360,712 --1,530,000185,00039,457224,457 2,490,0002,165,0009,815,000860,000489,5951,349,595 475,000270,000305,000305,0006,100311,100 220,000230,000760,000240,00023,517263,517 -194,000200,000200,0002,567202,567 --400,000154,0005,817159,817 695,000694,0001,665,000899,00038,001937,001 -610,0002,740,0002,740,00059,1262,799,126 -920,0004,055,000955,000134,9391,089,939 --4,580,000-115,389115,389 -1,530,00011,375,0003,695,000309,4544,004,454 160,000125,0002,470,000130,000106,788236,788 14,495,0006,124,00028,625,0006,919,0001,093,9078,012,907 --347,534--- 14,495,0006,124,00028,972,5346,919,0001,093,9078,012,907 --9,780,000310,000429,438739,438 --58,967--- --9,838,967310,000429,438739,438 $14,495,000$6,124,000$38,811,501$7,229,000$1,523,345$8,752,345  CITY OF ANDOVER, MINNESOTA SCHEDULE OF TAX CAPACITY RATES AND LEVIESExhibit 2 Taxes Payable 20042003 Tax capacity values$20,561,438$17,951,904 Captured tax increment value(1,383,714)(1,199,777) Fiscal disparities - contribution(567,147)(503,337) Local taxable value18,610,57716,248,790 Fiscal disparities - distribution2,862,3342,510,373 Adjusted tax capacity$21,472,911$18,759,163 20042003 CertifiedTax CapacityCertifiedTax Capacity LevyRateLevyRate General Revenue Levy: General Fund$4,850,296$4,505,780 Fire Relief43,75043,750 Capital Equipment/Projects203,200203,200 Parks Projects50,80050,800 Road and Bridge619,611619,611 Total General Revenue Levy5,767,65726.651%5,423,14128.899% Debt Service Levy: 1999 G.O. Equipment Certificate326,655301,980 2001C G.O. Capital Note276,693274,404 2003 G.O. Equipment Certificate212,695200,000 2003C G.O. Equipment Certificate168,000- Total Debt Service Levy984,0434.547%776,3844.138% Lower Rum River Watershed30,0000.394%24,0000.339% Total$6,781,70031.592%$6,223,52533.376%  CITY OF ANDOVER, MINNESOTA SCHEDULE OF DEFERRED TAX LEVIESExhibit 3 GENERAL OBLIGATION BONDS December 31, 2003 Tax Increment Bonds Taxes Payable1994B1995D19992000A2003BTotal 2004$77,951$492,225$194,250$360,712$224,457$1,349,595 2005-577,950188,650438,475230,1201,435,195 2006-634,350182,980431,600236,1201,485,050 2007-638,125177,170429,025236,9201,481,240 2008-639,988171,290439,787247,6201,498,685 2009-639,875165,270447,275253,0201,505,440 2010-637,962159,110222,633257,5001,277,205 2011-658,525152,880--811,405 2012-651,500146,450--797,950 2013-642,500---642,500 $77,951$6,213,000$1,538,050$2,769,507$1,685,757$12,284,265 EDA Public Project Certificates of Indebtedness TaxesRevenue Bonds Payable19992001C20032003CTotalof 1997 2004$326,655$276,693$212,695$168,000$984,043$196,740 2005-269,724-125,741395,465202,580 2006-270,035-125,886395,921207,810 2007-----212,410 2008-----216,415 2009-----224,815 2010-----232,255 2011-----238,705 2012-----244,217 2013-----248,778 2014-----262,370 2015-----269,500 2016-----275,340 $326,655$816,452$212,695$419,627$1,775,429$3,031,935 Total TaxesDeferred PayableTax Levies 2004$2,530,378 20052,033,240 20062,088,781 20071,693,650 20081,715,100 20091,730,255 20101,509,460 20111,050,110 20121,042,167 2013891,278 2014262,370 2015269,500 2016275,340 $17,091,629  CITY OF ANDOVER, MINNESOTA SCHEDULE OF FUND TRANSFERSExhibit 4 December 31, 2003 TransferTransfer InOut General Fund Sewer Fund$30,000$-General Fund Admin Allocation Water fund110,000-General Fund Admin Allocation Capital Equipment Reserve25,000-General Fund Admin Allocation EDA Revenue Bonds-190,310Debt Service Payment Total General Fund165,000190,310 Special Revenue Funds EDA General Tax Increment Projects Fund46,497-Transfer PY Admin Allocation LRRWMO Drainage & Mapping-5,007GIS Contract Allocation Drainage & Mapping Water Fund12,518-GIS Contract Allocation Sewer Fund12,518-GIS Contract Allocation ROW10,014-GIS Contract Allocation LRRWMO5,007-GIS Contract Allocation 40,057- ROW Drainage & Mapping-10,014GIS Contract Allocation Capital Equipment Reserve Sewer Fund20,000-Capital Equipment Reserve General Fund-25,000General Fund Admin Allocation 20,00025,000 Total Special Revenue Funds106,55440,021 Debt Service Funds 1993A G.O. Improvement Bond Water Trunk Fund160,520-Debt Service Allocation Sewer Trunk Fund37,043-Debt Service Allocation Sewer Fund111,129-Debt Service Allocation 1997B G.O. Improvement Bond-42,027Close Fund 308,69242,027 1994B G.O. Tax Increment Bonds Tax Increment Projects Fund13,680- 1994C G.O. Improvement Bond Water Trunk Fund23,244-Debt Service Allocation Sewer Trunk Fund5,364-Debt Service Allocation Sewer Fund16,092-Debt Service Allocation 44,700- 1995A G.O. Improvement Bond Water Trunk Fund157,404-Debt Service Allocation Sewer Trunk Fund36,324-Debt Service Allocation Sewer Fund108,972-Debt Service Allocation 1997B G.O. Improvement Bond-321,900Close Fund 302,700321,900 1995D & 1996A G.O. Tax Increment Bonds Tax Increment Projects Fund109,440-Debt Service Allocation 2003B Tax Increment Refunding Bonds1,515,000-Refunding TIF Bond $1,624,440$- (Continued)  CITY OF ANDOVER, MINNESOTA SCHEDULE OF FUND TRANSFERSExhibit 4 December 31, 2003(Continued) TransferTransfer InOut 1997B G.O. Improvement Bond 1993A G.O. Improvement Bond$42,027$- 1995A G.O. Improvement Bond321,900- Water Trunk Fund213,315-Debt Service Allocation Sewer Trunk Fund49,226-Debt Service Allocation Sewer Fund147,680-Debt Service Allocation 774,148- 1999 G.O. Tax Increment Bonds Tax Increment Projects Fund45,600-Debt Service Allocation 2000A G.O. Tax Increment Bonds Tax Increment Projects Fund59,280-Debt Service Allocation 2000B PIR Bonds PIR Capital Projects Fund742,022-Debt Service Allocation 2001A PIR Bonds PIR Capital Projects Fund1,086,483-Debt Service Allocation 2001C G.O. Capital Note Sewer Fund7,000-Debt Service Allocation Water Fund13,000-Debt Service Allocation 20,000- EDA Revenue Bonds General Fund190,310-Debt Service Payment 2003A PIR Bonds PIR Capital Projects Fund45,103-Capitalized Interest 2003B Tax Increment Refunding Bonds 1995D & 1996A G.O. Tax Increment Bonds-1,515,000Refunding TIF Bond Total Debt Service Funds5,257,1581,878,927 Capital Projects Funds Water Trunk Fund Water Fund350,000-Replacement Reserve 1997B G.O. Improvement Bond-213,315Debt Service Allocation 1995A G.O. Improvement Bond-157,404Debt Service Allocation 1994C G.O. Improvement Bond-23,244Debt Service Allocation 1993A G.O. Improvement Bond-160,520Debt Service Allocation PIR Capital Projects Fund-333,752Well #8 Reimbursement Water Fund-505,170Debt Service Allocation 350,0001,393,405 Sewer Trunk Fund Sewer Fund390,000-Replacement Reserve 1993A G.O. Improvement Bond-37,043Debt Service Allocation 1994C G.O. Improvement Bond-5,364Debt Service Allocation 1995A G.O. Improvement Bond-36,324Debt Service Allocation 1997B G.O. Improvement Bond-49,226Debt Service Allocation $390,000$127,957 (Continued)  CITY OF ANDOVER, MINNESOTA SCHEDULE OF FUND TRANSFERSExhibit 4 December 31, 2003(Continued) TransferTransfer InOut Tax Increment Projects Fund EDA General$-$46,497Transfer PY Admin Allocation 1995D & 1996A G.O. Tax Increment Bonds-109,440Debt Service Allocation 1994B G.O. Tax Increment Bonds-13,680Debt Service Allocation 1999 G.O. Tax Increment Bonds-45,600Debt Service Allocation 2000A G.O. Tax Increment Bonds-59,280Debt Service Allocation Building Fund-846,208Pre-1998 TIF Interest Transfer -1,120,705 Building Fund Tax Increment Projects Fund846,208-Pre-1998 TIF Interest Transfer PIR Capital Projects Fund Water Trunk Fund333,752-Well #8 Reimbursement 2000B PIR Bonds-742,022Debt Service Allocation 2001A PIR Bonds-1,086,483Debt Service Allocation 2003A PIR Bonds-45,103Capitalized Interest 333,7521,873,608 Total Capital Projects Funds1,919,9604,515,675 Enterprise Funds Water Fund Water Trunk Fund505,170-Debt Service Allocation General Fund-110,000General Fund Admin Allocation Water Trunk Fund-350,000Replacement Reserve 2001C G.O. Capital Note-13,000Debt Service Allocation Drainage & Mapping-12,518GIS Contract Allocation 505,170485,518 Sewer Fund General fund-30,000General Fund Admin Allocation Capital Equipment Reserve-20,000Capital Equipment Reserve 2001C G.O. Capital Note-7,000Debt Service Allocation Drainage & Mapping-12,518GIS Contract Allocation Sewer Trunk Fund-390,000Replacement Reserve 1993A G.O. Improvement Bond-111,129Debt Service Allocation 1994C G.O. Improvement Bond-16,092Debt Service Allocation 1995A G.O. Improvement Bond-108,972Debt Service Allocation 1997B G.O. Improvement Bond-147,680Debt Service Allocation -843,391 Total Enterprise Funds505,1701,328,909 Total All Funds$7,953,842$7,953,842  III. STATISTICAL SECTION (UNAUDITED)  CITY OF ANDOVER, MINNESOTA GOVERNMENT-WIDE EXPENSES BY FUNCTIONTable 1 Last Two Fiscal Years (Unaudited) Function20032002 General government$2,431,252$2,386,568 Public safety2,766,6942,474,284 Public works3,361,2574,819,429 Sanitation160,548264,671 Parks and recreation802,131856,806 Recycling115,016116,344 Economic development470,172720,460 Interest on long-term debt1,255,8891,667,943 Water1,737,5951,526,526 Sewer1,344,8571,206,865 Storm sewer168,203- Total$14,613,614$16,039,896 Government-wide expenses are not available for years prior to 2002. 2003 GOVERNMENT-WIDE EXPENSES BY FUNCTION Storm sewer Sewer 1% General government 9% 17% Water 12% Public safety Interest 19% 9% Econ dev 3% Recycling 1% Park & rec Public works 5% 23% Sanitation 1%  CITY OF ANDOVER, MINNESOTA GOVERNMENT-WIDE REVENUES BY SOURCETable 2 Last Two Fiscal Years (Unaudited) 20032002 Program Revenues: Charges for services$4,549,454$4,179,886 Operating grants and contributions732,011946,495 Capital grants and contributions5,292,2906,223,233 General Revenues: General property taxes5,682,4985,076,374 Tax increment collections1,140,040842,607 Grants and contributions not restricted to specific programs158,694763,049 Unrestricted investment earnings434,7981,279,313 Gain on sale of capital assets601,5411,316,054 Total$18,591,326$20,627,011 Government-wide revenues are not available for years prior to 2002. 2003 GOVERNMENT-WIDE REVENUES BY SOURCE Unrestricted investment earnings 2% Charges for services 24% General property taxes 32% Operating grants & contributions Grants and 4% contributions not restricted to specific programs 1% Tax increment Capital grants & collections contributions Gain on sale of capital 6% 28% assets 3%  CITY OF ANDOVER, MINNESOTA GENERAL FUNDTable 3 REVENUES BY SOURCE Last Ten Fiscal Years (Unaudited) GeneralLicenseCharges FiscalPropertyandInter-forInvestment YearTaxesPermitsgovernmentalServicesFinesIncomeMiscellaneousTotal 1994$1,472,108$410,733$745,156$227,960$40,496$43,043$48,280$2,987,776 19951,810,213410,212747,627549,60646,15215,71616,2703,595,796 19962,180,470390,327857,689447,19957,12552,653116,3964,101,859 19972,383,965456,413988,814578,22148,80071,224186,8634,714,300 19982,804,065694,809880,6971,018,44148,923177,570180,8655,805,370 19993,125,776609,344864,985754,62978,39662,041205,9245,701,095 20003,571,186623,662969,317900,23582,443104,657204,5806,456,080 20013,982,174720,7121,095,727722,69073,699128,701201,2216,924,924 20023,782,334588,9651,043,272689,42773,475109,524208,7906,495,787 20034,286,838551,385508,054647,81368,686(9,104)226,8686,280,540 2003 GENERAL FUND REVENUES BY SOURCE Investment Income Miscellaneous 0% 4% Charges for Services 10% Intergovernmental 8% License & Permits 9% Fines 1% General Property Tax 68%  CITY OF ANDOVER, MINNESOTA GENERAL FUNDTable 4 EXPENDITURES BY FUNCTION Last Ten Fiscal Years (Unaudited) FiscalGeneralPublicPublicParks andEconomic YearGovernmentSafetyWorksSanitationRecreationRecyclingDevelopmentUnallocatedTotal 1994$804,726$970,174$625,805$51,522$294,158$49,574$21,916$86,278$2,904,153 1995932,4601,060,210637,55134,795329,41658,2602293,5463,146,260 19961,068,5851,320,680947,47260,517455,51755,170-154,0854,062,026 19971,252,0471,409,0871,044,18395,632383,05962,281-212,5034,458,792 19981,551,4101,528,2821,005,394101,039461,13176,773-75,9504,799,979 19991,700,0861,820,4361,363,875119,957579,91688,307-97,0325,769,609 20001,840,6441,968,7651,591,137100,073538,52391,071-133,3216,263,534 20011,750,5742,087,9241,284,491135,189584,647108,390-145,0686,096,283 20022,103,7352,352,9091,212,143107,661662,450116,005-30,6146,585,517 20031,915,3142,631,9911,126,29280,901599,004114,784-25,8656,494,151 2003 GENERAL FUND EXPENDITURES BY FUNCTION Recycling 2% Park & rec 9% Sanitation 1% General government 29% Public works 17% Unallocated 0% Public safety 42%  CITY OF ANDOVER, MINNESOTA PROPERTY TAX LEVIES AND COLLECTIONSTable 5 Last Ten Fiscal Years (Unaudited) TotalDelinquent TotalCurrentPercentDelinquentTotalCollectionsOutstandingTaxes TaxTaxof LevyTaxTaxas a Percent ofDelinquentas a Percent of YearLevyCollectionCollectedCollectionsCollectionsCurrent LevyTaxesCurrent Levy 1994$1,806,293$1,774,50798.24%$43,566$1,818,073100.65%$61,4363.40% 19952,139,2782,114,58798.85%44,0842,158,671100.91%50,8272.38% 19962,083,0312,075,33699.63%29,2312,104,567101.03%49,1952.36% 19972,332,2112,306,99998.92%27,2492,334,248100.09%50,2382.15% 19982,698,8712,632,77297.55%27,9942,660,76698.59%151,7165.62% 19993,099,4612,960,83995.53%30,3012,991,14096.51%362,24311.69% 20003,321,9073,283,67198.85%171,7023,455,373104.02%83,2152.51% 20013,873,9483,824,25798.72%39,2263,863,48399.73%129,5623.34% 20024,206,4014,147,76498.61%42,7884,190,55299.62%93,8232.23% 20034,852,6044,770,42798.31%59,8844,830,31199.54%105,0442.16% CITY OF ANDOVER, MINNESOTA SPECIAL ASSESSMENT LEVIES AND COLLECTIONSTable 6 Last Ten Fiscal Years (Unaudited) TotalDelinquent CollectionsTaxes CurrentCurrentPercent ofDelinquentTotalas a Percent ofOutstandingas a Percent of AssessmentsAssessmentsAssessmentsAssessmentAssessmentCurrentDelinquentCurrent YearDueCollectedCollectedCollectionsCollectionsAssessments DueAssessmentsAssessments Due 1994$557,611$505,50090.65%$44,004$549,50498.55%$153,74327.57% 1995569,629517,98190.93%28,672546,65395.97%87,35515.34% 1996573,477531,08192.61%28,594559,67597.59%55,7819.73% 1997511,834494,28196.57%27,445521,726101.93%32,1746.29% 1998540,783458,65584.81%19,787478,44288.47%72,34213.38% 1999472,647444,08093.96%38,568482,648102.12%71,48915.13% 2000433,242424,85498.06%36,374461,228106.46%15,8713.66% 2001432,207410,38094.95%5,933416,31396.32%26,2646.08% 2002328,831307,05193.38%5,694312,74595.11%37,40411.37% 2003533,340522,85198.03%5,917528,76899.14%49,3299.25%  CITY OF ANDOVER, MINNESOTA ASSESSED AND ESTIMATED ACTUAL VALUE OF TAXABLE PROPERTYTable 7 Years 1995 through 2004 (Unaudited) Ratio of Tax Real PropertyPersonal PropertyTotal Capacity to TaxEstimatedTaxEstimatedTaxEstimatedTotal Estimated YearCapacityActual ValueCapacityActual ValueCapacityActual ValueActual Value 1995n/an/an/an/a$10,271,906n/an/a 1996n/an/an/an/a12,019,964n/an/a 1997n/an/an/an/a13,342,748n/an/a 1998n/an/an/an/a13,887,786n/an/a 1999n/an/an/an/a14,605,633n/an/a 2000$15,690,055$1,146,868,600$615,830$18,139,60016,305,885$1,165,008,2001.40% 200118,348,6621,312,767,000620,79718,285,50018,969,4591,331,052,5001.43% 200215,336,0751,479,078,600359,54017,999,80015,695,6151,497,078,4001.05% 200317,549,0641,699,227,100402,84020,202,30017,951,9041,719,429,4001.04% 200420,142,0881,945,523,200414,01620,761,10020,556,1041,966,284,3001.05% Source: Anoka County Property Tax Division CITY OF ANDOVER, MINNESOTA RATIO OF NET BONDED DEBTTable 8 TO ASSESSED VALUE AND NET BONDED DEBT PER CAPITA Last Ten Fiscal Years (Unaudited) LessRatio of GrossCash andNetNet BondedNet Bonded Net TaxBondedInvestmentsBondedDebt toDebt YearPopulation (1)CapacityDebt (2)On HandDebtTax CapacityPer Capita 199419,465$9,993,705$2,060,000$(18,672)$2,041,32820%$105 199520,49710,877,3892,207,000(39,677)2,167,32320%106 199621,49512,803,2011,851,000(57,068)1,793,93214%83 199722,36914,112,3043,835,000(130,087)3,704,91326%166 199823,21314,674,0203,430,000(161,907)3,268,09322%141 199924,35815,439,0154,005,000(249,278)3,755,72224%154 200026,58817,207,5903,520,000(13,984)3,506,01620%132 200127,44620,188,3874,210,000(94,728)4,115,27220%150 200228,90816,573,7133,680,000(112,848)3,567,15222%123 200330,00018,759,1633,710,000(88,779)3,621,22119%121 (1) Source: Metropolitan Council (2) Only includes debt supported by tax levy.  CITY OF ANDOVER, MINNESOTA RATIO OF ANNUAL DEBT SERVICE EXPENDITURES FORTable 9 GENERAL BONDED DEBT TO TOTAL GENERAL GOVERNMENTAL EXPENDITURES Last Ten Fiscal Years (Unaudited) Ratio of TotalDebt Service InterestTotalGeneralto General Debtand FiscalDebtGovernmentalGovernmental YearPrincipalChargesServiceExpenditures (1)Expenditures 1994$6,468,000$1,391,180$7,859,180$16,070,30549% 19957,843,0001,283,0409,126,04020,191,97945% 19963,551,0001,399,2424,950,24216,491,20130% 19977,621,0001,632,9639,253,96326,041,86436% 19984,585,0001,537,5916,122,59118,409,96633% 19993,775,0001,377,2095,152,20919,937,02326% 20004,580,0001,392,3155,972,31521,766,36527% 20014,845,0001,753,9816,598,98120,273,05733% 20027,070,0001,796,7748,866,77422,388,56940% 20036,124,0001,302,3067,426,30622,808,15033% (1) Includes all governmental fund types: The General Fund, Special Revenue Funds, Debt Service Funds and Capital Projects Funds. CITY OF ANDOVER, MINNESOTA PROPERTY TAX RATES - Table 10 DIRECT AND OVERLAPPING GOVERNMENTS Years 1995 through 2004 (Unaudited) Taxes PayableCity (1)SchoolCountyOtherTotal 1995----- 199619.59766.94831.0361.760119.341 199719.80457.91130.9101.780110.405 199821.82454.49730.6182.407109.346 199923.50857.09532.2652.472115.340 200022.73555.58930.8613.134112.319 200122.73650.23028.8592.850104.675 200233.51129.07037.9763.745104.302 200333.37627.80237.7143.755102.647 200431.58421.21835.3403.48291.624 (1) Includes the Lower Rum River Watershed Source: Anoka County Property Tax Division  CITY OF ANDOVER, MINNESOTA COMPUTATION OF DIRECT AND OVERLAPPING DEBTTable 11 INCLUDING DEBT RATIOS December 31, 2003 (Unaudited) BondedPercentageCity Gross DebtApplicable toShare of OutstandingCityDebt Overlapping Debt: Anoka County$80,983,0009.0659%$7,341,838 School Districts: ISD No. 11 Anoka-Hennepin209,883,63712.7111%26,678,519 ISD No. 15 St. Francis37,555,0007.6764%2,882,872 Metro Council130,495,0000.8435%1,100,725 Total Overlapping Debt458,916,63738,003,954 Direct Debt: City of Andover38,405,000100.0000%38,405,000 Total Overlapping and Direct Debt$497,321,637$76,408,954 Debt Ratios: Ratio of debt per capita (30,000 population)$2,547 Ratio of debt to estimated taxable market value of $1,719,429,4004.44% CITY OF ANDOVER, MINNESOTA PRINCIPAL TAXPAYERSTable 12 December 31, 2003 (Unaudited) EstimatedNet PropertyMarketTax Taxpayers ClassificationValueCapacity Anoka Electric / ConnexusUtility$10,198,200$187,734 Presbyterian Homes of AndoverApartment10,036,200150,544 Andover LTD PartnershipMall7,301,300145,276 116 LLCC/I5,752,700114,304 Minnegasco, Inc.Utility5,443,200108,114 United Power AssociationUtility3,541,50068,054 Columbia Park PropertiesMedical Clinic2,640,70052,064 William RademacherC/I2,554,20049,584 Northern States PowerUtility1,454,30029,086 Health PartnersMedical Clinic1,480,30028,856  CITY OF ANDOVER, MINNESOTA BUILDING PERMITS, PROPERTY VALUES AND HOUSEHOLDSTable 13 Last Ten Fiscal Years (Unaudited) New Single Family HomesNew Commercial / IndustrialAll Permits (1) YearPermitsValuationPermitsValuationPermitsValuationHouseholds (2) 1994400$40,557,0009$3,903,723859$47,478,8495,917 199530532,202,7761225,133,79683760,590,4236,300 199627228,776,00053,166,05181534,703,3806,610 199728230,844,00057,133,27591042,938,7266,881 199844853,742,1331012,625,9601,05769,529,3497,152 199941147,763,20051,404,0841,10755,075,0897,568 200034246,322,0001412,672,4481,13565,293,6148,107 200128543,378,128821,086,4811,22879,926,9738,439 200221831,848,0001910,616,85199750,401,1598,724 200318228,973,300134,764,0461,14043,191,0688,900 (1) Includes additions and remodelings. (2) Source: Metropolitan Council  CITY OF ANDOVER, MINNESOTA DEMOGRAPHICSTable 14 (Unaudited) Percent U.S. Census of Change 199020002003*1990 - 2000 Population15,21626,58830,00074.74% Households4,5198,1078,90079.40% Household Size (Population/Household)3.373.283.37-2.60% POPULATION DEMOGRAPHICS (2000 U.S. CENSUS) Populaton by Age (2000 U.S. Census):PersonsPercent 4 and under2,4429.2% 5 - 92,82210.6% 10 - 142,76310.4% 15 - 192,0247.6% 20 - 249853.7% 25 - 343,84914.5% 35 - 445,83222.0% 45 - 543,48913.1% 55 - 591,0824.1% 60 - 645412.0% 65 - 744591.7% 75 - 842140.8% 85 and over860.3% Total population26,588100.0% Total female population13,069 Total male population13,519 2000 median age31.9 yrs Occupation Breakdown: Management, professional and related occupations37.0% Service occupations10.5% Sales and office occupations28.6% Farming, fishing and forestry occupations0.1% Construction, extraction and maintenance occupations10.0% Production, transportation and material moving occupations13.8% City ofAnokaState of AndoverCountyMinnesota Income Statistics: 1999 per capita income$26,317$23,297$23,198 1999 median household income76,24157,75447,111 1999 median family income78,78564,26156,874 2000 median gross rent772649566 2000 median value owner occupied housing158,400131,300122,400  CITY OF ANDOVER, MINNESOTA MISCELLANEOUS STATISTICAL DATATable 15 December 31, 2003 (Unaudited) Date incorporated1974 Form of governmentPlan A Miles of streets City176 County43 Storm sewer (miles)41 Watermain (miles)76 Sanitary sewer (miles)79 Parks: Number59 Developed acreage541 Trails (miles)22 Acreage: Developed13,360 Undeveloped9,680 Population: 2003 Estimate30,000 2000 U.S. Census26,588 1990 U.S. Census15,216 Housing units: 2003 Estimate8,900 2000 U.S. Census8,107 1990 U.S. Census4,519 Largest Employers in the City Number of FirmType of Business / ProductEmployees ISD No 11 Anoka-HennepinElementary and secondary education523 Anoka County Parks and Highway DepartmentsCounty government and services247 Kottkes' Bus Service, Inc.Bus transportation173 Festival FoodsGrocery store120 Presbyterian Homes of AndoverSenior housing and assisted living facilities86 Ed Fields & Sons, Inc.Vegetable farming70 McDonald'sRestaurant60 Meadow Creek Christian SchoolPrivate education K-1260 City of AndoverMunicipal government and services59