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HomeMy WebLinkAbout2020 CAFR1685 CROSSTOWN BOULEVARD N.W. . ANDOVER, MINNESOTA 55304 . (763) 755-5100 FAX (763) 755-8923 • WWW.ANDOVERMN.GOV Comprehensive Annual Financial Report of the City of Andover, Minnesota For the Year Ended December 31, 2020 Prepared By: Finance Department City of Andover CITY OF ANDOVER, MINNESOTA TABLE OF CONTENTS Page Reference No. I. INTRODUCTORY SECTION Letter of Transmittal 2 Organization 10 Organizational Chart 11 Certificate of Achievement 12 II. FINANCIAL SECTION Independent Auditor's Report 14 Management's Discussion and Analysis 17 Basic Financial Statements: Government -Wide Financial Statements: Statement of Net Position Statement 1 29 Statement of Activities Statement 2 30 Fund Financial Statements: Balance Sheet - Governmental Funds Statement 3 32 Statement of Revenues, Expenditures and Changes in Fund Balances - Governmental Funds Statement 4 34 Reconciliation of the Statement of Revenues, Expenditures and Changes in Fund Balances of Governmental Funds to the Statement of Activities Statement 5 37 Statement of Net Position - Proprietary Funds Statement 6 38 Statement of Revenues, Expenses and Changes in Net Position - Proprietary Funds Statement 7 40 Statement of Cash Flows - Proprietary Funds Statement 8 42 Notes to Financial Statements 44 Required Supplementary Information: Budgetary Comparison Schedule - General Fund Statement 9 78 Schedule of Changes in the Total OPEB Liability and Related Ratios Statement 10 80 Schedule of Proportionate Share of Net Pension Liability - General Employees Retirement Fund Statement 11 81 Schedule of Pension Contributions - General Employees Retirement Fund Statement 12 82 Schedule of Proportionate Share of Net Pension Liability - Public Employees Police and Fire Fund Statement 13 83 Schedule of Pension Contributions - Public Employees Police and Fire Fund Statement 14 84 Notes to Required Supplementary Information: Budgets 85 Modified Approach for City Streets and Trails Infrastructure Capital Assets 85 OPEB Information 86 Pension Information 86 CITY OF ANDOVER, MINNESOTA TABLE OF CONTENTS Page Reference No. Combining and Individual Fund Statements and Schedules: Nonmajor Governmental Funds: Combining Balance Sheet - Nonmajor Governmental Funds Statement 15 91 Combining Statement of Revenues, Expenditures and Changes in Fund Balances - Nonmajor Governmental Funds Statement 16 92 Nonmajor Special Revenue Funds: Subcombining Balance Sheet - Nonmajor Special Revenue Funds Statement 17 94 Subcombining Statement of Revenues, Expenditures and Changes in Fund Balances - Nonmajor Special Revenue Funds Statement 18 96 Nonmajor Debt Service Funds: Subcombining Balance Sheet - Nonmajor Debt Service Funds Statement 19 100 Subcombining Statement of Revenues, Expenditures and Changes in Fund Balances - Nonmajor Debt Service Funds Statement 20 102 Nonmajor Capital Projects Funds: Subcombining Balance Sheet - Nonmajor Capital Project Funds Statement 21 106 Subcombining Statement of Revenues, Expenditures and Changes in Fund Balances - Nonmajor Capital Project Funds Statement 22 108 Special Revenue Funds: Schedules of Revenues, Expenditures and Changes in Fund Balances - Budget and Actual: EDA General Statement 23 110 Community Center Statement 24 1 1 1 Drainage and Mapping Statement 25 112 LRRWMO Statement 26 113 Forestry Statement 27 114 Right -of -Way Management/Utility Statement 28 115 Charitable Gambling Statement 29 116 Construction Seal Coating Statement 30 117 CARES Grant Statement 31 118 Internal Service Funds: Combining Statement of Net Position - Internal Service Funds Statement 32 120 Combining Statement of Revenues, Expenses and Changes in Net Position - Internal Service Funds Statement 33 121 Combining Statement of Cash Flows - Internal Service Funds Statement 34 122 III. STATISTICAL SECTION Net Position by Component - Last Ten Fiscal Years Table 1 124 Changes in Net Position - Last Ten Fiscal Years Table 2 126 Fund Balances - Governmental Funds - Last Ten Fiscal Years Table 3 130 Changes in Fund Balances - Governmental Funds - Last Ten Fiscal Years Table 4 132 Assessed and Estimated Actual Value of Taxable Property - Last Ten Fiscal Years Table 5 134 CITY OF ANDOVER, MINNESOTA TABLE OF CONTENTS Page Reference No. Property Tax Rates - Per $1,000 of Assessed Tax Capacity Value - Direct and Overlapping Governments - Last Ten Fiscal Years Table 6 135 Property Tax Levies and Collections - Last Ten Fiscal Years Table 7 136 Principal Taxpayers - Current Year and Nine Years Ago Table 8 137 Estimated Market Values and New Construction - Last Ten Fiscal Years Table 9 138 Special Assessment Levies and Collections - Last Ten Fiscal Years Table 10 139 Ratio of Net Bonded Debt to Assessed Value and Net Bonded Debt Per Capita - Last Ten Fiscal Years Table 11 140 Computation of Direct and Overlapping Debt Table 12 141 Computation of Legal Debt Margin - Last Ten Fiscal Years Table 13 142 Pledged -Revenue Coverage - Last Ten Fiscal Years Table 14 145 Outstanding Debt by Type - Last Ten Fiscal Years Table 15 146 Demographic and Economic Statitistics - Last Ten Years Table 16 148 Principal Employers - Current Year and Nine Years Ago Table 17 149 Full Time Equivalent Employees - City Government Employees by Function/Program - Last Ten Fiscal Years Table 18 151 Operating Indicators by Function/Program - Last Ten Years Table 19 152 Capital Asset Statistics by Function/Program - Last Ten Years Table 20 154 IV. OTHER INFORMATION Combined Schedule of Indebtedness Exhibit 1 156 Schedule of Tax Capacity Rates and Levies Exhibit 2 158 Schedule of Deferred Tax Levies - General Obligation Bonds Exhibit 3 159 Schedule of Fund Transfers Exhibit 4 160 I. INTRODUCTORY SECTION 1685 CROSSTOWN BOULEVARD N.W. . ANDOVER, MINNESOTA 55304 e (763) 755-5100 FAX (763) 755-8923 • WWW.ANDOVERMN.GOV June 1, 2021 To the Honorable Mayor and City Council City of Andover 1695 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: 1. Introductory Il. Financial III. Statistical The Introduction includes a list of the City's principal officials as of December 31, 2020, the table of contents, the public officials, organizational chart, and this Letter of Transmittal. The Financial Section includes: (1) independent auditor's report; (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. The Statistical Section includes tables and reports of various economic, social, financial, and fiscal data designed to reflect trends and ratios. Generally Accepted Accounting Principles (GAAP) requires that management provide a narrative introduction, overview, and analysis to accompany the basic financial statements in the form of Management's Discussion and Analysis (MD&A). This letter of transmittal is designed to complement the MD&A and should be read in conjunction with it. The City 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 is 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 changed to "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 bad 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, research reveals that the name Andover first appeared in an article dated March 14, 1899 in the Anoka County Union Newspaper - 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. The new 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 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 20,000, classifying it as a second-class city. The City of Andover as it exists today consists of 23,040 acres. Andover has a population estimated at 33,000. A 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 council Financial administration Information systems Newsletter Elections Facility management City clerk Assessing Engineering Administration Legal Risk management Human resources Planning and zoning Public Safety: Police Protective inspection Animal control Fire protection Civil defense Public Works: Streets and highways Street signs Traffic signals Snow and ice removal Central equipment maintenance Water maintenance Street lighting Sanitation: Storm sewers Sanitary 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. A list of public officials and organizational chart can be found on page 10 and 11, respectively. ECONOMIC CONDITION AND OUTLOOK Moderate population growth is expected to continue in 2021 and 2022, with an estimated population of 33,482 by 2021. The rate of residential growth as compared to the growth in the 1990's and 2000's has significantly declined as the availability of residentially zoned property decreased. The City has experienced a significant amount of commercial growth from 2000 through current 2020. Continual commercial growth is anticipated over the next couple 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 83% of the total in 2020. They are general property taxes at 74.4% and charges for services at 8.6%. 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 (EGA), market value homestead credit (MVHC), highway maintenance aid, fire relief aid and police aid; and county grants, such as recycling and community development. To the Honorable Mayor and City Council City of Andover, Minnesota 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 significant reductions in intergovernmental revenue. The City has been able to make up this loss in aid through operational efficiencies and an increased tax levy, the most substantial increase in the local tax rate took place in 2002. The tax laws that resulted in the 2002 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, that loss in aid was originally intended to be for two years (2003 & 2004) but that loss was extended to include years 2005 and 2006. The state allowed cities the ability to levy up to 60% of the lost 2003 aid in 2004. Again, in 2008 through 2012, the State of Minnesota significantly reduced MVHC to help deal with the state budget deficit. In 2013, the State eliminated MVHC and instituted the new market value exclusion program. In 2014, LGA was reinstated for the City in the amount of $74,655. Due to the unpredictability of the State, those funds were used to help offset the growing needs of the Road and Bridge Capital Projects Fund for street improvements/replacements. The City is not intending to rely on this funding for general operational needs. In 2015, LGA was eliminated again for the City. In 2016, the City received $2,706 in LGA. In 2017, 2018, 2019 and 2020, it was eliminated again for the City. 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 that period. Levy limits were lifted for 2001 but were reinstated for 2002 - 2004. The 2004 levy limits were so severe that the State did not allow cities the ability to capture residential and commercial market value growth. Levy limits were lifted from 2005 to 2008 but reinstated for 2009 and are still in place in some form yet today. The City's General Fund receives a substantial amount of revenue from licenses and permits. The past ten years are shown below: Revenues Change 2011 $ 387,206 n/a 2012 449,826 $ 62,620 2013 536,706 86,880 2014 364,430 (172,276) 2015 452,422 87,992 2016 625,907 173,485 2017 546,378 (79,529) 2018 562,525 16,147 2019 855,831 293,306 2020 892,279 36,448 Revenue from residential building continued to modestly increase from 2011 to 2013, but it is unlikely that those revenues will reach the levels of the early 2000's as a reduced number of new residential lots are being added to the overall lot inventory. From 2011 to 2013, the home building market showed signs of improvement and some commercial activity taking place accounted for the increase in permit revenue. In 2014, there was a decrease in both residential and commercial activity. There was a slight increase in construction activity in 2015. In 2016, there was an increase in both residential and commercial construction. In 20 t 7, there was a decrease in single-family building pen -nits issued going from I I I permits in 2016 to 94 in 2017. The decline in single- family building permits continued in 2018 to a total of 60, but commercial permit valuations exceeded 2017 by over $10,000,000 thus the increase in 2018. The increase in 2019 is due to single-family building permits reaching 116, nearly double that of 2018. The growth continued in 2020 with single-family building permits topping out at 139, 23 permits greater than 2019. The City's General Fund also receives a considerable amount of revenue from charges for services. The past ten years are shown below: To the Honorable Mayor and City Council City of Andover, Minnesota Revenues Change 2011 $ 866,584 n/a 2012 973,605 $ 107,021 2013 1,122,461 148,856 2014 998,510 (123,951) 2015 804,228 (194,282) 2016 912,219 107,991 2017 843,023 (69,196) 2018 888,947 45,924 2019 1,133,161 244,214 2020 1,070,899 (62,262) The City analyzes user fees every year as part of the budget process and adjusts where appropriate. From 2011 to 2013, the home building market showed signs of improvement and some commercial activity taking place accounted for the increase in plan review revenue. In 2014, the decrease in both residential and commercial activity resulted in a decrease as compared to 2013. A reduction in the scope of roadway projects accounted for a large part of the reduction in 2015 for engineering fees charged as compared to 2014. The increase in 2016 pertains to plan check fees associated with the increase in construction activity and engineering fees charged to roadway projects. The slight decline in 2017 relates to the decrease in housing permits issued as compared to 2016. The increase in 2018 pertains to plan check fees associated with the commercial construction activity taking place. The increase in 2019 is due to single-family building permits reaching 116, nearly double of 2018. There was a lot of commercial activity as well with the school district and city starting expansion projects. Residential growth continued in 2020 but the lack of any commercial activity results in a decrease compared to 2019. In 2020, the City issued 139 new single-family building permits with a total valuation of $45,464,139 compared to 116 new single- family building permits with a total valuation of $37,258,817 the prior year. The past ten years are shown below: New Residential New Commercial / Industrial Permits Valuation Permits Valuation 2011 58 $ 11,803,000 24 $ 11,461,453 2012 81 15,243,007 25 5,042,964 2013 98 21,027,891 15 9,249,466 2014 52 14,816,971 14 4,285,281 2015 74 21,558,010 16 2,513,609 2016 ill 28,893,036 7 14,009,200 2017 94 27,947,716 - - 2018 60 19,703,856 2 2,860,000 2019 116 37,258,817 1 3,381,400 2020 139 45,464,139 - - Residential Development New residential Final Plat approval included 90 urban lots within the Catcher's Creek West, Catcher's Creek East, Shadowbrook North, and Villas at Crosstown Woods 2°a Addition. Also 46 rural lots were approved in a development known as the Meadows at Petersen Farms. The City currently has a supply of 83 urban lots and 60 rural lots (which includes the lots above). Commercial Industrial Development New institutional/commercial/industrial businesses moved to Andover in 2020. These business' included Margie's Kitchen & Cocktails, Metta Coffee Company LLC, Thrivent Financial, and Tuffs Karate. Andover High School moved forward with their phase 2 additions and remodeling. Phase 2 included an additional gymnasium, and fitness spaces. Legacy Christian Academy completed their expansion project originally started during 2019. The expansion included a three-story classroom addition (approximately 33,000 sq. ft.) between the existing buildings to replace temporary classrooms. The City of Andover completed a new Public Works Vehicle Maintenance Facility with a wash bay and an 18,000 square foot vehicle and equipment storage building. The City of Andover Community Center expansion neared completion. The new sports complex included an additional sheet of ice convertible to turf, team rooms, dryland training space, meeting space, restrooms, skate rental/pro shop and a walking/jogging track. The overall expansion project also included an additional field house court, oversized gathering area (crash space), multipurpose rooms for teens and seniors, office space and community meeting rooms. Several other improvements occurred throughout the facility which included repairing concrete and installing new rubberized sports court To the Honorable Mayor and City Council City of Andover, Minnesota flooring to field house courts 1,2 and 3, upgrading the existing ice arena's refrigeration system and transforming existing Community Meeting Rooms into a Senior/Multipurpose space. The Andover YMCA completed their expansion with the addition of a new gymnasium with a wood floor, new Kid's Stuff space both indoor and outdoor, more upper -level fitness floor space and existing lobby area improvements. EMPLOYMENT The City of Andover's largest employers are government entities. The Anoka -Hennepin School District has a significant presence in the community and Anoka County's Parks and Highway Departments and Sheriff s Office headquarters are in Andover. The City of Andover is best classified as a bedroom community since most of the residents commute outside of Andover for employment opportunities. The City does anticipate with the completion of development of the Andover Station Commercial Park that additional employment opportunities will be provided to residents soon. Major employers in Andover are as follows: Finn Anoka -Hennepin ISD No 11 Wal-Mart Fairview - Andover Clinic Kottkes' Bus Service, Inc. YMCA TE Connectivity Target Anoka County Sheriffs Office GAF Materials Corp Anoka County Highway Department MAJOR INITIATIVES Number of Type of Business / Product Employees Elementary and secondary education 662 Retail 335 Healthcare 300 Bus transportation 225 Youth organization - fitness center 220 Connector and sensor manufacturing 201 Retail 200 County government and services 171 Roofing materials -manufacturing 150 County government and services 120 FOR THE YEAR. The City has many accomplishments to report for 2020. The following list is a summary of some of the major initiatives completed throughout the year. 1) In 2020, the City again saw new residential development which included approval of 90 urban lots within the Catcher's Creek West, Catcher's Creek East, Shadowbrook North, and Villas at Crosstown Woods 2nd Addition. Also 46 rural lots were approved in a development known as the Meadows at Petersen Farms. The City currently has a supply of 83 urban lots and 60 rural lots (which includes the lots above). 2) In 2020, the City issued 139 new single-family building permits with a total valuation of $45,464,138 compared to 116 new single-family building permits with a total valuation of $37,258,817 for the preceding year. 3) In 2020, the City saw commercial, industrial and institutional construction throughout the community totaling close to $11.5 million in valuation. Many businesses came to Andover that did extensive tenant finishes, upgrades or remodels in existing multi -tenant buildings, including as follows: Cherrywood Advanced Living, Andover Animal Hospital, Hanson Commons, Casey's General Store, Crooked Lake Elementary, CVS Pharmacy, Hanson Builders, Verizon Wireless, Integra Dental, Margie's Kitchen & Cocktails, and the Andover YMCA. 4) In 2020, Legacy Christian Academy, a K-12 private school, completed their school expansion project. The expansion includes a three-story classroom addition (approximately 33,000 sq. ft.) between the existing buildings to replace temporary classrooms. 5) Andover High School is receiving close to $30 million in additions totaling 67,000 square feet and other improvements adding another 5,700 square feet of space in the school. Phase 1 of the additions and remodeling started in 2018 and was completed in 2019. Part of the project is the removal of 12 portable classrooms. The school was originally designed for 1,400 students, but today 1,700 students attend the school. Phase 2 construction taking place in 2020, when complete in 2021will bring the school's capacity to 2,000 students. 6) The City completed the master planning concept layout of the City Campus site in 2016 to prepare for the facility needs for the ultimate build out of the City. The master planning concept layout provides for the Public Works, Public Safety, General Government and Recreational long-term needs of the community. In 2017, the City hired two To the Honorable Mayor and City Council City of Andover, Minnesota architectural firms to start the design for a Public Works Maintenance Facility, cold storage building and to explore a potential expansion of the Andover YMCA/Community Center. Both projects completed design in 2018. The Public Works component (Maintenance Facility, Fleet Storage Building and Vehicle Wash Bay) was out for bid in late 2018 and a bid awarded for construction in early 2019 with a $10.5 million budget, construction was completed Summer of 2020. The Community Center Expansion design continued throughout 2018, the project (a new sports complex with elevated walking track, additional fieldhouse court, team training space, youth center, remodeled Community Rooms, added meeting spaces and expanded parking) was out for bid in early 2019 and a bid awarded for construction in late Spring 2019 with a $17.9 million budget, construction was completed Fall of 2020. 7) In 2017 and 2018, the City of Andover, in cooperation with the Anoka County Highway Department, worked through the planning of the Hanson Boulevard expansion and reconstruction. Right of Way clearing and utility work took place in 2018 with full construction of Phase 1 in 2019, Phase 2 was completed in 2020. This project was financed primarily by a federal grant. Trails and intersection improvements were also constructed as part of the project phases. 8) The City of Andover EDA went through the public hearing process in 2011 to modify the City Development Plan to create redevelopment areas of the community and to facilitate the opportunity to acquire dilapidated and substandard multi -family homes within specified target areas. The EDA was successful in acquiring one 4-plex property in November of 2011 to start the redevelopment process with hopes of continuing to add to the critical land mass necessary to start marketing for a redevelopment project. In late 2017 the EDA was successful in acquiring three more 4-plex properties and one additional 4-plex in 2018. In 2020, the EDA was successful in in acquiring four more 4-plex properties and one duplex building. It is anticipated the EDA will continue to pursue the acquisition of additional properties in the redevelopment areas from willing sellers to create the critical mass necessary for a successful mixed - use development. 9) In 2020, to assist Andover small businesses impacted by the COVID-19 pandemic shutdowns the City of Andover EDA successfully developed and administered a small business grant program that distributed $1.8 million in CARES funding to Andover small businesses and non -profits. 10) Andover residents continue to have one of the highest recycling rates per person for all recyclable materials in Anoka County. In 2014, the City added a new Recycling Center to expand the current recycling opportunities for Andover residents. In 2020, the City continued to host monthly recycling events (on weekends), generally with a specific focus, such as paper shredding and appliance or electronics collection. 11) A strategic planning session was held with the City Council, a final Council Community Vision and Organization Goals and Values document was approved at the July 7, 2015 City Council meeting. As part of the 2020 Budget Development process the Council participated in a new strategic planning process updating the Council Community Vision and Organization Goals and Values document. For the 2021 Budget development process that document was integrated into various department work plans and budgets. 12) The City's Comprehensive Annual Financial Report for the year ended December 31, 2019 was awarded the Government Finance Officers Association's "Excellence in Financial Reporting Award." The City completes this document internally and recognized significant cost savings in the form of reduced financial consulting fees. This is the eighteenth consecutive year receiving the award and it is anticipated that the City's Comprehensive Annual Financial Report for the year ended December 31, 2020 will also achieve this award. 13) For the nineteenth year in a row, the City of Andover was awarded the Government Finance Officers Association Distinguished Budget Presentation Award for the City's 2020 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) Ongoing implementation of a single-family rental housing license program to provide property owners/landlords with educational materials and checklists on how to inspect and maintain the exterior of the property, a list of potential ordinance violations that may occur with a rental property, and an exterior inspection of the building and grounds with city staff. This program was authorized by the Andover City Council in 2009 and is reviewed annually, there were close to 260 single family rental licenses issued throughout the City in 2020. 15) The City continues to make significant progress on the process of digitally imaging documents retained, this includes standard and legal documents and large construction plan documents. The imaging project has helped the City reduce staffing through data storage retrieval efficiencies, eliminated the need for office expansion and has expedited City research projects. 16) The City continues to utilize updates to our financial management software to improve reporting and operating efficiencies. These updates continue to yield reduced personnel costs and more timely reports. In 2020, the City saw To the Honorable Mayor and City Council City of Andover, Minnesota increased growth in the number of online and counter credit card payments for various City permits and services. Approximately 62% of the Building Department's permits were done online. 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 utilizes many avenues to reach its residents, whether through community access television, electronic reader boards, the City newsletter, Facebook, Twitter, or the City's webpage (www.andovermn.gov). It is important to the City that our residents are informed and can participate in the activities of their City. The City did conduct a community survey in 2006, with the help of a polling firm, to secure opinions and suggestions from the public. The City initiated and completed a community survey in early 2014, the City received very high marks. RELEVANT FINANCIAL POLICIES The City has a policy regarding General Fund reserve balances. The City plans for an unassigned fund balance in the General Fund equivalent to 6-months of the current year's budgeted expenditures to provide working capital between semi-annual property tax settlements. Since the property tax settlements are received by the City in July and December, the City needs sufficient cash reserves to avoid short-term borrowing to finance operations. The City also classifies fund balances for prepaid items, inventories, and other legal obligations. The City may also classify a portion of fund balance for special purposes. The primary goal of the City's investment policy is to ensure the safety of the principal invested. Cash temporarily idle during the year is invested in certificates of deposit, commercial paper, and obligations of the U.S. Treasury and government agencies. Cash balances from all City funds are pooled into an investment fund and investment income is distributed on a pro-rata basis at the end of each quarter. Extended maturities are utilized to take advantage of higher yields but staggered in a way to meet projected liquidity needs. Capital financing for major improvements is provided through improvement bonds, general obligation bonds, tax increment bonds, or revenue bonds. Depending on the project, special assessments may be levied upon properties to share in the cost of the improvement project. The special assessments are collected over a period of time and are used to help satisfy the improvement bond debt or reimburse the fund used to finance the project. The City Council has also adopted financial management policies to allow for the planning of adequate funding of services desired by the public, to manage City finances wisely, and to carefully account for public funds. These policies are reviewed each year when the annual budget is adopted. The financial management policies included: operating budget policies; revenue policies; accounting, auditing, and financial reporting policies; investment policies; debt policies; capital improvement policies; and risk management policies. The City Council has adopted a comprehensive set of internal control procedures. 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 safeguarding assets against loss from unauthorized use or disposition, 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 Council recognizes that the evaluation of cost and benefits requires estimates and judgments by management, and 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 provide reasonable assurance of properly recording financial transactions. 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 its annual budget for the fiscal year beginning January 1, 2020. This is the nineteenth year in a row the City of Andover has received this award. 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, 2021 continues to conform to the program requirements and have submitted it to the GFOA to determine its eligibility for another award. The GFOA also presented the Certificate of Achievement for Excellence in Financial Reporting Award to the City of Andover for its 2019 Comprehensive Annual Financial Report. This is the eighteenth time the City of Andover has received this award. To receive this award, a government unit must publish an easily readable and efficiently organized comprehensive annual financial To the Honorable Mayor and City Council City of Andover, Minnesota 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 2020 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. Redpath and Company, 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 and dedication of the Finance Department staff and the consultation of the City's auditing firm. Staff members: Lee Brezinlca, Melissa Knutson 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 and members of the City Council for their interest and support in planning and conducting the financial operations of the City in a fiscally responsible manner. Respectfully submitted, James Dickinson City Administrator CITY OF ANDOVER, MINNESOTA ORGANIZATION December 31, 2020 Office Mayor Council Member Council Member Council Member Council Member Julie Trude Jamie Barthel Sheri Bukkila Valerie Holthus Ted Butler Name City Administrator / City Clerk James Dickinson Community Development Director Joe Janish Director of Public Works / City Engineer David Berkowitz Finance Manager Lee Brezinka Building Official Fred Patch Fire Chief Dennis Jones Attorney Fiscal Consultants Hawkins & Baumgartner, P.A. Ehlers & Associates, Inc. Term January 5, 2021 January 1, 2023 January 5, 2021 January 1, 2023 January 5, 2021 Appointed Appointed Appointed Appointed Appointed Appointed Appointed Appointed Is CITY OF ANDOVER Organizational Chart City Council -------------------------- Ciry Attorney Ciry Adminisnmtor Advisory Boards Administrative Building Inspections Engineering Finance Fire Protection Planning Public Works Police Protection Services Administration Financial Fire Protection Planning&Zoning Streets/Highways Civil Defense Engineering Services Administration Services Htunan Resources' Assessing Snow &Ice Protective Right of -Way Inspections Management Removal Newsletter Facilities Storm Sewer Drainage & Mapping Management Economic Lower Rum River Unallocated Street Lighting Development Watershed Mgmt Authority Organization Commurnty Forestry Capital Equipment Signage Center Reserve Elections Debt Service Funds Tratfc Signals Trail & Transportation Animal Control Uniinanced Projects Parks &Recreation Conshmction Seal Coating Information Tax Increment Recycling Water Tmnk Sys ems Projects Ciry Cleric Building Fund Water Storm Sewer Permanent Sewer Sewer T unk Improvement Revolving Road & Bndge G.O. Capital Central Equipment Notes Park Dedication Risk Projects Management m Government Finance Officers Association 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, 2019 6 K16 0�0� Executive Director/CEO `K II. FINANCIAL SECTION 13 INDEPENDENT AUDITOR'S REPORT To the Honorable Mayor and Members of the City Council City of Andover, Minnesota Report on the Financial Statements We have audited the accompanying financial statements of the governmental activities, the business -type activities, each major fund, and the aggregate remaining fund information of the City of Andover, Minnesota, as of and for the year ended December 31, 2020, and the related notes to the financial statements, which collectively comprise the City of Andover, Minnesota's basic financial statements as listed in the table of contents. Management's Responsibility for the Financial Statements Management is responsible for the preparation and fair presentation of these financial statements in accordance with accounting principles generally accepted in the United States of America; this includes the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error. Auditor's Responsibility Our responsibility is to express opinions on these financial statements based on our audit. We conducted our audit in accordance with auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor's judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity's internal control. Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluating the overall presentation of the financial statements. 55 E 5" Street Suite 1400, St. Paul, MN, 55101 651.426.7000 www.redpathcpas.com 14 We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinions. Opinions In our opinion, the financial statements referred to above present fairly, in all material respects, the respective financial position of the governmental activities, the business -type activities, each major fund, and the aggregate remaining fund information of the City of Andover, Minnesota, as of December 31, 2020, and the respective changes in financial position, and, where applicable, cash flows thereof for the year then ended in accordance with accounting principles generally accepted in the United States of America. Report on Summarized Comparative Information We have previously audited the City of Andover, Minnesota's 2019 financial statements, and we expressed an unmodified audit opinion on the respective financial statements of the governmental activities, the business -type activities, each major fund, and the aggregate remaining fund information in our report dated June 4, 2020. In our opinion, the summarized comparative information presented herein as of and for the year ended December 31, 2019 is consistent, in all material respects, with the audited financial statements from which it has been derived. Other Matters Required Supplementary Information Accounting principles generally accepted in the United States of America require that the management's discussion and analysis, the budgetary comparison schedule, and the schedules of OPEB and pension information, as listed in the table of contents, be presented to supplement the basic financial statements. Such information, although not a part of the basic financial statements, is required by the Governmental Accounting Standards Board, who considers it to be an essential part of financial reporting for placing the basic financial statements in an appropriate operational, economic, or historical context. We have applied certain limited procedures to the required supplementary information in accordance with auditing standards generally accepted in the United States of America, which consisted of inquiries of management about the methods of preparing the information and comparing the information for consistency with management's responses to our inquiries, the basic financial statements, and other knowledge we obtained during our audit of the basic financial statements. We do not express an opinion or provide any assurance on the information because the limited procedures do not provide us with sufficient evidence to express an opinion or provide any assurance. 15 Other Information Our audit was conducted for the purpose of forming opinions on the financial statements that collectively comprise the City of Andover, Minnesota's basic financial statements. The introductory section, combining and individual fund financial statements and schedules, statistical section and other financial information are presented for purposes of additional analysis and are not a required part of the basic financial statements. The combining and individual fund financial statements and schedules are the responsibility of management and were derived from and relate directly to the underlying accounting and other records used to prepare the basic financial statements. Such information has been subjected to the auditing procedures applied in the audit of the basic financial statements and certain additional procedures, including comparing and reconciling such information directly to the underlying accounting and other records used to prepare the basic financial statements or to the basic financial statements themselves, and other additional procedures in accordance with auditing standards generally accepted in the United States of America. In our opinion, the combining and individual fund financial statements and schedules are fairly stated in all material respects in relation to the basic financial statements as a whole. The introductory, statistical and other financial information sections have not been subjected to the auditing procedures applied in the audit of the basic financial statements and, accordingly, we do not express an opinion or provide any assurance on them. Other Reporting Required by Government Auditing Standards In accordance with Government Auditing Standards, we have also issued our report dated May 13, 2021, on our consideration of the City of Andover, Minnesota's internal control over financial reporting and on our tests of its compliance with certain provisions of laws, regulations, contracts, and grant agreements and other matters. The purpose of that report is to describe the scope of our testing of internal control over financial reporting and compliance and the results of that testing, and not to provide an opinion on the effectiveness of the City of Andover, Minnesota's internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the City of Andover, Minnesota's internal control over financial reporting and compliance. REDPATH AND COMPANY, LTD. St. Paul, Minnesota May 13, 2021 ff-9 CITY OF ANDOVER, MINNESOTA MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2020 As management of the City of Andover, we offer readers of the City's financial statements this narrative overview and analysis of the financial activities of the City for the fiscal year ended December 31, 2020. 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 HiLyhliehts The assets and deferred outflows of resources of the City exceeded its liabilities and deferred inflows of resources at the close of the most recent fiscal year by $205,633,049 (net position). Of this amount, $46,998,078 (unrestricted net position) maybe 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 position increased by $14,562,227 from current year activity, primarily due to the budget savings, an increase in commercial/residential construction fees and capital contributions from construction activity. As of the close of the current fiscal year, the City's governmental funds reported combined ending fund balances of $42,428,360 Special Debt Capital General Revenue Service Projects Totals Nonspendable $ 140,602 $ 2,123 $ - $ - $ 142,725 Restricted - 124,381 2,099,876 2,427,190 4,651,447 Committed - 508,062 - - 508,062 Assigned - 373,351 - 27,238,859 27,612,210 Unassigned 9,513,916 - - - 9,513,916 $ 9,654,518 $ 1,007,917 $ 2,099,876 $ 29,666,049 $ 42,428,360 The City's total long-term liabilities decreased by $584,434 during the current fiscal year, primarily due to the debt service payments. Beginning Ending Balance Additions Reductions Balance Governmental activities: Bonds payable $ 40,619,047 $ 1,310,000 $ (1,632,156) $ 40,296,891 Other post employment benefits 290,934 47,708 (11,113) 327,529 Compensated absences 721,654 467,444 (348,329) 840,769 Net pension liability 3,077,985 544,434 (290,280) 3,332,139 Total governmental activities 44,709,620 2,369,586 (2,281,878) 44,797,328 Business -type activities: Bonds payable 3,111,058 - (738,316) 2,372,742 Other post employment benefits 47,362 7,766 (1,809) 53,319 Compensated absences 212,248 73,754 (50,800) 235,202 Net pension liability 396,161 60,908 (23,645) 433,424 Total business -type activities 3,766,829 142,428 (814,570) 3,094,687 Total City long-term liabilities $ 48,476,449 $ 2,512,014 $ (3,096,448) $ 47,892,015 Overview of the Financial Statements The discussion and analysis are intended to serve as an introduction to the City's basic financial statements. The City's basic financial statements comprise three components: 1) government -wide financial statements, 2) fund financial statements, and 3) notes to the financial statements. This report also contains other supplementary information in addition to the basic financial statements themselves. Government -wide financial statements. The government -wide financial statements are designed to provide readers with a broad overview of the City's finances, in a manner similar to a private -sector business. 17 CITY OF ANDOVER, MINNESOTA MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2020 The statement of net position presents information on all of the City's assets and liabilities, with the difference between the two reported as net position. Over time, increases or decreases in net position may serve as a useful indicator of whether the financial position of the City is improving or deteriorating. The statement of activities presents information showing how the City's net position changed during the most recent fiscal year. All changes in net position are reported as soon as the underlying event giving rise to the change occurs, regardless of the timing of related cash flows. Thus, revenues and expenses are reported in this statement for some items that will only result in cash flows in future fiscal periods (e.g. uncollected taxes and earned but unused vacation leave). Both of the government -wide financial statements distinguish functions of the City that are principally supported by taxes and intergovernmental revenues (governmental activities) from other functions that are intended to recover all or a significant portion of their costs through user fees and charges (business -type activities). The governmental activities of the City include general government, public safety, public works, sanitation, parks and recreation, recycling and economic development. The business -type activities of the City include water, sewer and storm sewer. The government -wide financial statements can be found on pages 29 through 31 of this report. Fund financial statements. A fund is a grouping of related accounts that is used to maintain control over resources that have been segregated for specific activities or objectives. The City, like other state and local governments, uses fund accounting to ensure and demonstrate compliance with finance -related legal requirements. All of the funds of the City can be divided into two categories: governmental funds and proprietary funds. Governmental funds. Governmental funds are used to account for essentially the same functions reported as governmental activities in the government -wide financial statements. However, unlike the government -wide financial statements, governmental fund financial statements focus on near-terin inflows and outflows of spendable resources, as well as on balances of spendable resources available at the end of the fiscal year. Such information may be useful in evaluating a government's near -term financial requirements. Because the focus of governmental funds is narrower than that of the government -wide financial statements, it is useful to compare the information presented for governmental funds with similar information presented for governmental activities in the government -wide financial 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 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 and the following capital projects funds (CPF): Water Trunk, Sewer Trunk, Road and Bridge, 2018A G.O. Capital Improvement Plan Bonds, 2019A G.O. Abatement Bonds and Tax Increment Projects. Data from the other governmental funds are combined into a single, aggregated presentation. Individual fund data for each of these non-maj oc governmental funds is provided in the form of combining statements elsewhere in this report. The City 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 32 through 37 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 position and the statement of revenues, expenses and changes in net position. 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 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 38 through 43 of this report 18 CITY OF ANDOVER, MINNESOTA MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2020 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 44 through 75 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, the modified approach for streets and trails infrastructure and pension information. Combining and individual fund statements and schedules can be found on pages 90 through 122 of this report. Government -wide Financial Analysis As noted earlier, the assets and deferred outflows of resources of the City exceeded its liabilities and deferred inflows of resources at the close of the most recent fiscal year by $205,633,049 (net position). The largest portion of the City's net position ($154,783,340 or 75 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. It does not include any refunding debt that has not met the refunding date of the original issue. The City uses these capital assets to provide services to citizens; consequently, these assets are not available for future spending. Although the City's investment in its capital assets is reported net of related debt, it should be noted that the resources needed to repay this debt must be provided fi-om other sources, since the capital assets themselves cannot be used to liquidate these liabilities. CITY OF ANDOVER'S NET POSITION Governmental Activities Business -Type Activities Totals 2019 2020 2019 2020 2019 2020 Current and other assets $ 60,002,871 $ 48,857,525 $ 10,773,602 $ 11,788,100 $ 70,776,473 $ 60,645,625 Capital assets 132,538,146 153,692,666 41,658,673 42,714,795 174,196,819 196,407,461 Total assets 192,541,017 202,550,191 52,432,275 54,502,895 244,973,292 257,053,086 Deferred outflows of resources 554,870 469,014 34,748 37,114 589,618 506,128 Long-term liabilities outstanding 44,709,620 44,797,328 3,766,829 3,094,687 48,476,449 47,892,015 Other liabilities 4,808,958 3,449,184 87,460 56,756 4,896,418 3,505,940 Total liabilities 49,518,578 48,246,512 3,854,289 3,151,443 53,372,867 51,397,955 Deferred inflows of resources 1,036,651 504,876 82,570 23,334 1,119,221 528,210 Net position: Net investment in capital assets 106,637,436 114,441,287 38,547,614 40,342,053 145,185,050 154,783,340 Restricted 5,294,610 3,851,631 - - 5,294,610 3,851,631 Unrestricted 30,608,612 35,974,899 9,982,550 11,023,179 40,591,162 46,998,078 Total net position $ 142,540,658 $ 154,267,817 $ 48,530,164 $ 51,365,232 $ 191,070,822 $ 205,633,049 A portion of the City's net position represents resources that are subject to external restrictions on how they may be used. The remaining balance of unrestricted net position ($46,998,078) may be used to meet the City's ongoing obligations to citizens and creditors. At the end of the current fiscal year, the City is able to report positive balances in all three categories of net position, both for the City as a whole, as well as for its separate governmental and business -type activities. IN CITY OF ANDOVER, MINNESOTA MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2020 Government -wide Activities Governmental activities increased the City's net position by $11,727,159 and business -type activities increased net position by $2,835,068. Ivey elements of the activities are as follows: City of Andover's Changes in Net Position Governmental Activities 2019 2020 Business -Type Activities 2019 2020 Total 2019 2020 Revenues: Program revenues: Charges for services $ 4,175,896 $ 3,684,878 $ 5,650,560 $ 6,298,800 $ 9,826,456 $ 9,983,678 Operating grants and contributions 1,662,842 3,453,564 - - 1,662,842 3,453,564 Capital grants and contributions 4,950,131 12,006,951 712,976 2,807,445 5,663,107 14,814,396 General revenues: Property taxes 13,011,406 14,479,488 - - 13,011,406 14,479,488 Tax increment 89,414 100,979 - - 89,414 100,979 Grants and contributions not restricted to specific programs 14,053 4,129 - - 14,053 4,129 Unrestricted investments earnings 1,346,685 930,876 236,356 173,446 1,583,041 1,104,322 Gain on sale of capital assets 24,550 3,000 15,818 - 40,368 3,000 Total revenues 25,274,977 34,663,865 6,615,710 9,279,691 31,890,687 43,943,556 Expenses: General government 3,159,045 3,193,326 - - 3,159,045 3,193,326 Public safety 5,426,472 6,002,090 - - 5,426,472 6,002,090 Public works 5,939,704 4,964,909 - - 5,939,704 4,964,909 Parks and recreation 3,507,705 3,997,558 - - 3,507,705 3,997,558 Recycling 231,625 234,475 - - 231,625 234,475 Economic development 202,182 4,240,712 - - 202,182 4,240,712 Interest on long-term debt 917,913 1,226,839 - - 917,913 1,226,839 Water - - 2,280,247 2,449,287 2,280,247 2,449,287 Sewer - - 2,289,555 2,454,250 2,289,555 2,454,250 Storm sewer - - 737,854 617,883 737,854 617,883 Total expenses 19,384,646 23,859,909 5,307,656 5,521,420 24,692,302 29,381,329 Increase (decrease) in net position before transfers 5,890,331 10,803,956 1,308,054 3,758,271 7,198,385 14,562,227 Transfers (327,730) 923,203 327,730 (923,203) - - Change in net position 5,562,601 11,727,159 1,635,784 2,835,068 7,198,385 14,562,227 Net position - beginning 136,978,057 142,540,658 46,894,380 48,530,164 183,872,437 191,070,822 Net position - ending $ 142,540,658 $ 154,267,817 $ 48,530,164 $ 51,365,232 $ 191,070,822 $ 205,633,049 20 CITY OF ANDOVER, MINNESOTA MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2020 Governmental Activities Following are specific graphs that provide comparisons of the governmental activities revenues and expenses: Governmental Activities - Revenues Grants and Unrestricted Charges for services contributions not investments earnings 10.6% restricted to specific 2.7% programs 0.1% Tax increment 0.3% Gain on sale of capital assets 0.1 % Property taxes 41.8% Capital grants and contributions 34.6% 1r Operating grants and contributions 10.0% Governmental Activities - ExDenses Interest on long-term debt General government 13.4% Recycling Economic 1.0% development 17.8% Public safety 25.1 % Parks and recreation 16.8% Public works 20.8% 21 CITY OF ANDOVER, MINNESOTA MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2020 Business -Type Activities Following are graphs showing the business -type activities revenue and expense comparisons: Business -Type Activities - Revenues Capital grants and contributions 30.25% i Unrestricted / investments Charges for earnings --" services 1.87% 67.88% 22 CITY OF ANDOVER, MINNESOTA MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2020 Financial Analysis of the Government's Funds Governmental Funds. The focus of the City's governmental funds is to provide information on near -term inflows, outflows, and balances of spendable resources. Such information is useful in assessing the City's financing requirements. In particular, unrestricted fund balance may serve as a useful measure of a government's net resources available for spending at the end of the fiscal year. At the end of the current fiscal year, the City's governmental funds reported combined ending fund balances of $42,428,360. Approximately 22.4 percent of this total amount ($9,513,916) constitutes unassigned fund balance. The remainder of the fund balance ($32,914,444) is not available for new spending because it is either 1) nonspendable (S142,725), 2) restricted ($4,651,447), 3) committed ($508,062) or 4) assigned ($27,612,210). Major Funds The general fund increased by $291,067 in 2020, which was a $1,647,227 change from the final budget and $936,048 less than last years increase in fund balance. The final budget showed a decrease in fund balance of $1,356,160. The change in fund balance is due to various departments under -spending and revenues exceeding budgets related to residential and commercial construction activity. The change compared to 2019 is largely due to the one-time transfer of $1,000,000 to the Road and Bridge Capital Projects Fund in 2020. The water and sewer trunk capital projects funds fluctuate based on development activity and whether there is any cost sharing for pipe over - sizing, extra depth, etc. The addition of the following developments has increase connection fees and special assessments: Catchers Creek East and West Additions, Country Oaks North 4th addtion, Winslow Cove 2nd Addition, and Shadowbrook North Addition. The water trunk fund ($300,000) and sewer trunk fund ($400,000) continue to receive funds from the water and sewer enterprise funds to be set aside for future infrastructure replacements. The road and bridge capital projects fund increased by $3,144,304 primarily due to the one-time transfer of $1,000,000 from the General Fund for road improvements and the advance of state aid construction monies. The 2018A G.O. capital improvement plan bonds capital projects fund decreased due to the construction of the public works maintenance facilty and cold storage building. The 2019A G.O. abatement bonds capital projects fund decreased due to the construction of the community center expansion project. The tax increment capital projects fund decreased by $2,054,600 primarily due to the purchase of five rental properties for future redevelopment. Nonmaior Funds The eda general special revenue fund decreased $44,808 primarily due to the construction of a monument entrance sign. The community center special revenue fund decreased $186,532 due to covid-19 closures and planned repairs. The 2014A G.O. equipment certificates debt service fund decreased by $366,226 due to the timing of when tax revenue is collected and when debt service payments are made. Final payment was made and this fund was closed in 2020. The 2020A G.O. equipment certificates debt service fund increased by $333,615 due to the timing of when tax revenue is collected and when debt service payments are made. The 2019A G.O. abatement bonds debt service fund increased by $586,181 due to the timing of when tax revenue is collected and when debt service payments are made. The building fund capital projects fund increased by $114,219 due to using other available funds for planned projects in 2020. The 2020A G.O. equipment certificates capital projects fiord increased by $829,537 due to the timing of when bonds are sold and equipment purchased. Proprietary funds. The City's proprietary funds provide the same type of information found in the government -wide financial statements, but in more detail. The unrestricted net position in the respective proprietary funds are enterprise funds of $10,915,144 (water $5,954,799, sewer $4,074,700 and storm sewer $885,665) and internal service funds of $1,015,847. The enterprise funds had a net increase in net position from current year activity of $2,849,754 (water $1,588,014, sewer $308,061 and storm sewer $953,679). Internal service funds had a net decrease in net position of $46,292. 23 CITY OF ANDOVER, MINNESOTA MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2020 Capital Asset and Debt Administration Capital assets. The City's investment in capital assets for its governmental and business -type activities as of December 31, 2020, amounts to $196,407,461 (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; (b) perform condition assessments and summarize the results using a measurement scale; and (c) 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. Prior to 2013, the continuous scale was from 0 to 100 where 0 is assigned to the least acceptable physical condition and 100 is assigned to a new street or trail. Starting in 2013, the continuous scale was from 0 to 10, where 0 is assigned to the least acceptable physical condition and 10 is assigned the physical characteristics of anew street or trail. The City's policy is to achieve an average rating of good which is 6 — 6.9 (56 — 70 old scale) for all streets and trails. In the fall of 2019, the City conducted a physical condition assessment of the streets and trails constructed since 1974. This assessment will be completed every three years. As of December 31, 2020, the City's street and trail system was rated at an Overall Condition Index (OCI) of 5.4. 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 $2,667,008 on street and trail maintenance for the year ending December 31, 2020. These expenditures delayed deterioration and the overall condition of the system remains at an appropriate OCI level 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 $1,150,000. Maintenance Actual OCI Year Estimate Expenditures Rating 2011 $1,150,000 $ 1,770,980 83 2012 1,150,000 3,894,784 83 2013 1,150,000 2,471,123 6.9 2014 1,150,000 2,029,026 6.7 2015 1,150,000 1,114,900 6.7 2016 1,150,000 1,585,756 6.3 2017 1,150,000 3,548,327 6.4 2018 1,150,000 2,274,146 6.4 2019 1,150,000 3,701,063 5.3 2020 1,150,000 2,667,008 5.4 24 CITY OF ANDOVER, MINNESOTA MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2020 Primary Government Governmental activities: Land and improvements Streets and trails Construction in progress Buildings and improvements Furniture and equipment Machinery and equipment Other park improvements Total capital assets Less accumulated depreciation for: Buildings and improvements Furniture and equipment Machinery and equipment Other park improvements Beginning Balance Additions Ending Deletions Balance $ 11,205,798 $ 115,335 $ - $ 11,321,133 87,716,023 1,869,973 - 89,585,996 14,087,766 168,192 (14,087,766) 168,192 27,552,688 34,325,048 (66,911) 61,810,825 969,869 184,456 (37,200) 1,117,125 8,905,807 610,669 (224,409) 9,292,067 8,200,494 277,937 (42,195) 8,436,236 158,638,445 37,551,610 (14,458,481) 181,731,574 14,373,629 1,499,645 (66,911) 15,806,363 581,925 86,181 (37,200) 630,906 6,575,481 392,292 (224,409) 6,743,364 4,569,264 331,206 (42,195) 4,858,275 Total accumulated depreciation 26,100,299 2,309,324 Governmental activities capital assets - net Business -type activities: Land and improvements Construction in progress Buildings and improvements Furniture and equipment Machinery and equipment Collection and distribution Total capital assets being depreciated Less accumulated depreciation for: Buildings and improvements Furniture and equipment Machinery and equipment Collection and distribution (370,715) 28,038,908 132,538,146 35,242,286 (14,087,766) 153,692,666 730,243 - 161,927 - 15,877,590 - 23,436 - 1,576,915 - 60,497,170 2,976,517 - 730,243 (161,927) - - 15,877,590 - 23,436 - 1,576,915 - 63,473,687 78,967,281 2,976,517 (161,927) 81,681,871 10,359,787 420,007 - 10,779,794 23,437 - - 23,437 969,318 91,262 - 960,580 25,956,066 1,247,199 - 27,203,265 Total accumulated depreciation 37,208,608 1,758,468 - 38,967,076 Business -type activities capital assets - net 41.658,673 1,218,049 (161,927) 42,714,795 Total capital assets - net $ 174,196,819 $ 36,460,335 Additional information on the City's capital assets can be found in Note 5. $(14,249,693) $ 196,407,461 Long-term debt. At the end of the current fiscal year, the City had total long-term debt outstanding of $43,745,604, an decrease of $918,403 from 2019. General obligation abatement bonds ($27,245,000) were used to refund the 2006 and 2007 EDA lease revenue refunding bonds and expand the existing community center. General obligation revenue bonds ($2,435,000) were used for an addition to the water treatment plant and the refunding of portions of the water treatment plant bonds. Certificates of indebtedness ($1,444,000) financed capital equipment purchases. Capital improvement bonds ($9,915,000) were used to construct a new vehicle maintenance facility with a washbay and a cold storage building. Referendum bonds ($335,000) were used to finance land acquisitions for the preservation of open space. Additional long-term debt in the amount of $1,385,633 for issuance premiums and $1,075,971 is for compensated absences. 25 CITY OF ANDOVER, MINNESOTA MANAGEMENT'S DISCUSSION AND ANALYSIS December 31, 2020 City of Andover's Outstanding Debt Bonds payable: Abatement bonds G.O. revenue bonds Certificates of indebtedness Capital improvement bonds Referendum bonds Governmental Business -Type $ 27,245,000 S - $ 27,245,000 - 2,345,000 2,345,000 1,444,000 - 1,444,000 9,915,000 - 9,915,000 335,000 - 335,000 Total bonds payable 38,939,000 2,345,000 41,284,000 Issuance premiums 1,357,891 27,742 1,385,633 Compensated absences 840,769 235,202 1,075,971 Total $ 41,137,660 $ 2,607,944 $ 43,745,604 The City maintains an AA+ 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 3% of total Estimated Taxable Market Value. The current debt limitation for the City is $102,684,785. Only $36,917,953 of the City's outstanding debt is counted within the statutory limitation. Additional information on the City's long-term debt can be found in Notes 6 and 7. 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 Manager, 1685 Crosstown Boulevard NW, Andover, Minnesota 55304 or by calling 763-755-5100. 26 BASIC FINANCIAL STATEMENTS 27 - This page intentionally left blank - 28 CITY OF ANDOVER, MINNESOTA STATEMENT OF NET POSITION Statement 1 December 31, 2020 With Comparative Totals For December 31, 2019 Primary Government Government Business -Type Totals Activities Activities 2020 2019 Assets: Cash and investments $ 44,658,453 $ 10,061,918 $ 54,720,371 $ 65,232,802 Cash and investments with escrow agent 126,682 - 126,682 152,233 Accrued interest 174,337 38,873 213,210 294,460 Due from other governmental units 387,061 12,867 399,928 311,426 Accounts receivable - net 296,709 1,399,633 1,696,342 1,532,686 Property taxes receivable: Unremitted 358,031 - 358,031 93,750 Delinquent 146,271 - 146,271 118,520 Special assessments receivable: Unremitted 5,336 3,379 8,715 3,158 Delinquent 21,161 251,702 272,863 295,780 Deferred 1,699,076 1,341 1,700,417 1,677,340 Inventories - at cost 234,408 18,387 252,795 239,318 Land held for resale 750,000 - 750,000 825,000 Capital assets - net: Nondepreciable 101,075,321 730,243 101,805,564 113,901,757 Depreciable 52,617,345 41,984,552 94,601,897 60,295,062 Total assets 202,550,191 54,502,895 257,053,086 244,973,292 Deferred outflows of resources: Related to other post employment benefits 15,241 2,540 17,781 12,922 Related to pensions 453,773 34,574 488,347 576,696 Total deferred outflows of resources 469,014 37,114 506,128 589,618 Liabilities: Interfund payable 108,035 (108,035) - - Accounts payable 347,296 60,110 407,406 334,396 Contracts payable 1,539,098 22,521 1,561,619 3,362,305 Deposits payable 543,081 2,234 545,315 328,738 Due to other governmental units 72,312 29,271 101,583 73,979 Salaries payable 194,166 28,325 222,491 172,751 Unearned revenue 100,857 - 100,857 58,142 Accrued interest payable 544,339 22,330 566,669 566,107 Other post employment benefits: Due in more than one year 327,529 53,319 380,848 338,296 Compensated absences: Due within one year 126,115 35,280 161,395 140,085 Due in more than one year 714,654 199,922 914,576 793,817 Bonds/notes payable (net of unamortized premiums): Due within one year 1,899,000 735,000 2,634,000 2,286,000 Due in more than one year 38,397,891 1,637,742 40,035,633 41,444,105 Net pension liability: Due in more than one year 3,332,139 433,424 3,765,563 3,474,146 Total liabilities 48,246,512 3,151,443 51,397,955 53,372,867 Deferred inflows of resources: Related to pensions 504,876 23,334 528,210 1,119,221 Net position: Net investment in capital assets 114,441,287 40,342,053 154,783,340 145,185,050 Restricted for: Debt service 1,582,258 - 1,582,258 917,364 Tax increment purposes 2,132,935 2,132,935 4,262,535 Public services 136,438 - 136,438 114,711 Unrestricted 35,974,899 11,023,179 46,998,078 40,591,162 Total net position $ 154,267,817 $ 51,365,232 $ 205,633,049 $ 191,070,822 The accompanying notes are an integral part of these financial statements. 29 CITY OF ANDOVER, MINNESOTA STATEMENT OF ACTIVITIES For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Program Revenues Charges Operating Capital For Grants and Grants and Expenses Services Contributions Contributions Functions/Programs Primary government: Government activities: General government $ 3,193,326 $ 757,188 $ 116,826 $ - Public safety 6,002,090 1,154,232 971,611 161,994 Public works 4,964,909 296,533 449,343 11,067,995 Parks and recreation 3,997,559 1,301,624 - 776,962 Recycling 234,475 48,705 113,300 - Economic development 4,240,712 126,596 1,802,484 - Interest on long-term debt 1,226,839 - - - Total government activities 23,859,909 3,684,878 3,453,564 12,006,951 Business -type activities: Water 2,449,287 3,349,237 - 950,396 Sewer 2,454,250 2,355,039 - 851,570 Storm sewer 617,883 594,524 - 1,005,479 Total business -type activities 5,521,420 6,298,800 - 2,807,445 Total primary government $ 29,381,329 $ 9,983,678 $ 3,453,564 $ 14,814,396 The accompanying notes are an integral part of these financial statements. Statement 2 Net (Expense) Revenue and Changes in Net Position Primary Government Governmental Business -Type Totals Activities Activities 2020 2019 $ (2,319,312) $ - $ (2,319,312) $ (2,242,492) (3,714,253) - (3,714,253) (3,884,721) 6,848,962 - 6,848,962 (604,051) (1,918,972) - (1,918,972) (765,961) (72,470) - (72,470) (74,633) (2,311,632) - (2,311,632) (106,006) (1,226,839) - (1,226,839) (917,913) (4,714,516) - (4,714,516) (8,595,777) (4,714,516) 1,850,346 752,359 982,120 3,584,825 3,584,825 1,850,346 752,359 982,120 3,584,825 (1,129,691) 688,335 231,182 136,363 1,055,880 (7,539,897) General revenues: General property taxes 14,479,488 - 14,479,488 13,011,406 Tax increment collections 100,979 - 100,979 89,414 Grants and contributions not restricted to specific programs 4,129 - 4,129 14,053 Unrestricted investment earnings 930,876 173,446 1,104,322 1,583,041 Gain on sale of capital assets 3,000 - 3,000 40,368 Transfers 923,203 (923,203) - - Total general revenues, gain on sale of capital assets and transfers Change in net position Net position - beginning Net position - ending 16,441,675 11,727,159 142,540,658 $ 154,267,817 (749,757) 2,835,068 48,530,164 $ 51,365,232 15,691,918 14,562,227 191,070,822 $ 205,633,049 14,738,282 7,198,385 183,872,437 $ 191,070,822 01 CITY OF ANDOVER, MINNESOTA BALANCE SHEET GOVERNMENTAL FUNDS December 31, 2020 With Comparative Totals For December 31, 2019 2018A G.O. Capital Road & Improvement Water Trunk Sewer Trunk Bridge Plan Bonds General CPF CPF CPF CPF Assets: Cash and investments $ 10,052,623 $ 5,880,979 $ 8,049,053 $ 8,528,556 $ 293,637 Cash and investments with escrow agent - - - - - Accrued interest 31,430 26,391 36,270 34,369 Due from other governmental units 45,357 - - 268,680 - Accounts receivable - net 73,033 - 15,767 Property taxes receivable: Umemitted 230,757 34,476 - Delinquent 96,689 - 14,446 Special assessments receivable: Unremitted 177 1,016 4,143 Delinquent 10,192 - - 10,969 Deferred - 304,827 83,203 1,215,254 Inventories - at cost 140,602 - - - Land held for resale - - - - - Total assets $ 10,680,860 $ 6,213,213 $ 8.168,526 $ 10,110,893 $ 309,404 Liabilities, Deferred Inflows of Resources, and Fund Balances Liabilities: Accounts payable $ 185,650 $ $ $ 33 $ 8,927 Contracts payable 24,003 62,789 260,534 Deposits payable 505,880 5,741 5,741 1,139 - Due to other governmental units 34,333 226 - 2,060 Salaries payable 169,595 - - Unearned revenue - Total liabilities 919,461 5,967 5,741 66,021 269,461 Deferred inflows of resources: Unavailable revenues 106,881 304,827 83,203 1,240,669 - Fund balances (deficit): Nonspendable 140,602 - - - - Restricted - 39,943 Committed - - - - Assigned - 5,902,419 8,079,582 8,804,203 Unassigned 9,513,916 - - - - Total fund balances 9,654,518 5,902,419 8,079,582 8,804,203 39,943 Total liabilities, deferred inflows of resources, and fund balances (deficit) $ 10,680,860 $ 6,213,213 $ 8,168,526 $ 10,110,893 $ 309,404 Fund balance reported above Amounts reported for governmental activities in the statement of net position are different because: Capital assets used in governmental activities are not financial resources and, therefore, are not reported in the funds. Deferred outflows of resources - related other post employment benefits and pensions are not current financial resources and, therefore, are not reported in the farads Other long-term assets are not available to pay for current -period expenditures and, therefore, are reported as unavailable revenue in the funds. Internal service funds are used by management to charge the cost of equipment maintenance and insurance to individual fiends. The assets and liabilities are included in the governmental activities statement of net position along with a deduction of net revenue attributable to business -type activities. Long-term liabilities, including bonds payable, other post employment benefits and net pension liability, are not due and payable in the current period and, therefore, are not reported in the funds. Deferred inflows of resources - pension related are associated with long-term liabilities that are not due and payable in the current period and, therefore, are not reported in the funds. Net position of governmental activities The accompanying notes are an integral part of these financial statements. 32 Statement 3 2019A G.O. Tax Abatement Increment Other Bonds Projects Governmental Totals Governmental Funds 2020 2019 $ 1,332,299 $ 1,424,019 $ 8,139,874 $ 43,701,040 $ 55,182,687 - - 126,682 126,682 152,233 11,756 29,833 170,049 243,723 - 73,024 387,061 296,081 3,725 204,184 296,709 161,845 - 92,798 358,031 93,750 1,257 33,879 146,271 118,520 - - 5,336 1,936 - 21,161 22,038 95,792 1,699,076 1,675,590 - 2,123 142,725 124,950 - 750,000 - 750,000 825,000 $ 1,332,299 $ 2,190,757 $ 8,798,189 $ 47,804,141 $ 58,898353 $ 5,225 $ 6,154 $ 114,165 $ 320,154 $ 254,594 1,151,042 40,730 - 1,539,098 3,284,044 - 10,938 13,642 543,081 325,204 - 35,693 72,312 41,576 14,176 183,771 143,110 - - 100,857 100,857 58,142 1,156,267 57,822 278,533 2,759,273 4,106,670 - 751,257 129,671 2,616,508 2,641,148 - - 2,123 142,725 124,950 176,032 1,391,678 3,053,794 4,651,447 19,696,883 - - 508,062 508,062 518,312 4,826,006 27,612,210 22,569,932 - - - 9,513,916 9,240,458 176,032 1,391,678 8,389,985 42,428,360 52,150,535 $ 1,332,299 $ 2,190,757 $ 8,798,189 $ 47,804,141 $ 58,898,353 $ 42,428,360 $ 52,150,535 153,692,666 132,538,146 469,014 554,870 2,616,508 2,641,148 907,812 939,418 (45,341,667) (45,246,808) (504,876) (1,036,651) $ 154,267,817 $ 142,540,658 33 CITY OF ANDOVER, MINNESOTA STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCE GOVERNMENTALFUNDS For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 2018A G.O. Capital Road & Improvement Water Trunk Sewer Trunk Bridge Plan Bonds General CPF CPF CPF CPF Revenues: General property taxes $ 9,303,234 $ $ $ 1,388,355 $ Tax increment collections - - Licenses and permits 892,279 - Intergovernmental 861,179 - - 2,811,862 Special assessments - 48,242 30,089 549,453 Charges for services 1,070,899 - - - Fines 47,630 - - - - Investment income 148,974 131,533 174,256 183,155 12,717 Miscellaneous: Park dedication fees - - - - - Connection charges 873,591 263,301 Rent - - - - Other 172,062 - - - 2,632 Total revenues 12,496,257 1,053,356 467,646 4,932,825 15,349 Expenditures: Current: General government 2,906,328 - - - - Public safety 5,162,232 - - - Public works 1,650,363 196,625 4,651 2,667,008 Parks and recreation 1,369,954 - - - Recycling 228,124 Economic development - Unallocated 12,778 Capital outlay: General government - Public safety - - - - Public works - 10,143 20,287 127,213 3,230,821 Parks and recreation 66,099 - - - - Economic development - Debt service: Principal retirement Interest Paying agent fees - Construction/acquisition costs - 7,145 - - - Total expenditures 11,395,878 213,913 24,938 2,794,221 3,230,821 Revenues over (under) expenditures 1,100.379 839,443 442,708 2,138,604 (3,215,472) Other financing sources (uses): Transfers in 190,688 300,000 400,000 1,005,700 Transfers out (1,000,000) (59,740) - - Bonds issued Bond premium Proceeds from sale of capital assets - Total other financing sources (uses) (809,312) 240,260 400,000 1,005,700 Net increase (decrease) in fund balance 291,067 1,079,703 842,708 3,144,304 (3,215,472) Fund balance - January 1 9,363,451 4,822,716 7,236,874 5,659,899 3,255,415 Fund balance - December 31 $ 9,654,518 $ 5,902,419 $ 8,079,582 $ 8,804,203 $ 39,943 The accompanying notes are an integral part of these financial statements. 34 Statement 4 2019A G.O. Tax Abatement Increment Other Intra Bonds Projects Governmental Activity Totals Governmental Funds 2020 2019 $ $ $ 3,760,148 $ S 14,451,737 $ 12,985,096 100,979 - 100,979 90,189 - - 892,279 855,831 2,538,760 6,211,801 2,786,445 4,215 631,999 721,950 601,124 1,672,023 1,941,637 - - 47,630 62,349 56,695 52,494 153,847 913,671 1,316,876 - - 389,033 389,033 472,753 - 1,136,882 1,152,759 - - 635,629 635,629 636,803 258,250 100,147 360,314 (30,600) 862,805 1,462,431 314,945 253,620 8,443,070 (30,600) 27,946,468 24,485,119 - - 173,016 3,079,344 3,011,191 592,011 5,754,243 5,096,029 70,311 4,588,958 5,691,654 1,125,640 2,495,594 2,371,437 - - 228,124 224,574 2,308,220 1,846,024 4,154,244 191,468 - - 12,778 15,001 21,759 21,759 4,082 319,484 318,484 72,801 - 293,483 3,671,947 8,404,840 11,601,835 1,119,923 12,787,857 6,343,383 - 30,151 30,151 - 1,561,000 1,561,000 1,444,000 1,290,844 1,290,844 568,864 5,000 5,000 1,000 - - - 7,145 1,564,585 11,601,835 2,308,220 8,437,646 40,007,472 35,004,909 (11,286,890) (2,054,600) 5,424 (30,600) (12,061,004) (10,519,790) 632,422 (1,538,722) 990,088 1,323,739 (569,322) 1,569,322 (59,740) (58,110) 1,310,000 - 1,310,000 15,770,000 95,481 95,481 1,458,695 3,000 - 3,000 32,050 1,471,581 30,600 2,339,829 18,526,374 (11,286,890) (2,054,600) 1,477,005 - (9,722,175) 8,006,584 11,462,922 3,436,278 6,912,980 52,150,535 44,143,951 $ 176,032 $ 1,381,678 $ 8,389,985 $ $ 42,429,360 $ 52,150,535 Mil - This page intentionally left blank - ii CITY OF ANDOVER, MINNESOTA RECONCILIATION OF THE STATEMENT OF REVENUES, Statement 5 EXPENDITURES AND CHANGES IN FUND BALANCES OF GOVERNMENTAL FUNDS TO THE STATEMENT OF ACTIVITIES For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 2020 2019 Amounts reported for governmental activities in the statement of activities (page 30) are different because: Net changes in fund balances - total governmental funds (page 35) $ (9,722,175) $ 8,006,584 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. 14,528,019 14,685,621 The net effect of various miscellaneous transactions involving capital assets is to increase (decrease) net position (i.e., sales, trade-ins, and donations). 6,633,646 830,648 Revenues in the statement of activities that do not provide current financial resources are not reported as revenues in the funds. (24,640) (114,694) 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 position. This amount is the net effect of these differences in the treatment of long-term debt and related items. 322,156 (15,755,047) Vested post employment benefits are reported in the governmental funds when amounts are paid. The statement of activities reports the benefits earned during the years. This amount (32,430) (38,964) is the net effect of employee benefits earned and paid during the year. Transfer out of governmental capital assets contributed to Enterprise Funds. (7,145) (1,593,359) 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. (126,266) (407,972) Governmental funds report pension contributions for defined benefit plans as expenditures, however, pension expense is reported in the Statement of Activities. This is the amount by which pension expense differs from pension contributions: Pension contributions $ 362,014 Pension expense (174,414) 187,600 (29,647) 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. (31,606) (20,569) Change in net position of governmental activities (page 31) $ 11,727,159 $ 5,562,601 The accompanying notes are an integral part of these financial statements. 37 CITY OF ANDOVER, MINNESOTA STATEMENT OF NET POSITION PROPRIETARY FUNDS December 31, 2020 With Comparative Totals For December 31, 2019 Water Sewer Storm Sewer Assets: Current assets: Cash and cash equivalents $ 5,742,474 $ 3,595,701 $ 723,743 Accrued interest 21,860 14,170 2,843 Due from other governmental units - 12,867 - Accounts receivable - net 583,603 631,532 184,498 Special assessments receivable: Unremitted 1,639 1,387 353 Delinquent 115,697 105,886 30,119 Deferred - - 1,341 Inventories - at cost 18,387 - Total current assets 6,483,660 4,361,543 942,897 Noncurrent assets: Capital assets: Land 730,243 Buildings and structures 15,877,590 - - Machinery and equipment 308,316 737,033 555,001 Distribution and collection system 21,319,542 28,500,532 13,653,614 Construction in progress - Total capital assets 38,235,691 29,237,565 14,208,615 Less: Allowance for depreciation (19,325,715) (13,808,728) (5,832,633) Total noncurrent assets 18,909,976 15,428,837 8,375,982 Total assets 25,393,636 19,790,380 9,318,879 Deferred outflows of resources: Related to other post employment benefits 1,452 1,088 - Related to pensions 20,633 13,941 Total deferred outflows of resources 22,085 15,029 - Liabilities: Current liabilities: Accounts payable 52,788 3,825 3,497 Contracts payable 12,276 4,261 5,984 Deposits payable 2,234 - - Interest payable 22,330 - Due to other governmental units 21,412 7,859 - Salaries payable 13,819 11,224 3,282 Bonds payable - due within one year 735,000 - - Compensated absences payable - due within one year 18,459 10,151 6,670 Total current liabilities 878,318 37,320 19,433 Noncurrent liabilities: Other post employment benefits - due in more than one year 30,468 22,851 - Bonds payable - due in more than one year 1,637,742 - - Compensated absences payable - due in more than one year 104,599 57,524 37,799 Net pension liability - due in more than one year 258,656 174,768 - Total noncurrent liabilities 2,031,465 255,143 37,799 Total liabilities 2,909,783 292,463 57,232 Deferred inflows of resources: Related to pensions 13,925 9,409 - Net position: Net investment in capital assets 16,537,234 15,428,837 8,375,982 Unrestricted 5,954,779 4,074,700 885,665 Total net position $ 22,492,013 $ 19,503,537 $ 9,261,647 Net position reported above Amounts reported for business -type activities in the statement of net position 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 position of business -type activities The accompanying notes are an integral part of these financial statements. 38 Statement 6 Totals Governmental Activities - Totals Internal Service Funds 2020 2019 2020 2019 $ 10,061,918 $ 9,040,561 $ 957,413 $ 1,009,554 38,873 44,954 4,288 5,783 12,867 15,345 - - 1,399,633 1,366,213 4,628 3,379 1,222 - 251,702 273,742 1,341 1,750 - - 18,387 29,815 91,683 84,553 11, 788,100 10,773,602 1,053,3 84 1,104, 518 730,243 730,243 - - 15,877,590 15,877,590 1,600,350 1,600,350 63,473,688 60,497,171 - 161,927 81,681,871 78,867,281 (38,967,076) (.37,208,608) 42,714,795 41,658,673 54,502,895 52,432,275 1,053,384 1,104,518 2,540 1,846 - - 34,574 32,902 37,114 34,748 60,110 44,840 27,142 34,962 22,521 78,261 - - 2,234 3,534 22,330 28,919 29,271 32,403 - - 28,325 22,224 10,395 7,417 735,000 725,000 - - 35,280 31,837 - 935,071 967,018 37,537 42,379 53,319 47,362 - 1,637,742 2,386,058 199,922 180,411 433,424 396,161 2,324,407 3,009,992 - - 3,259,478 3,977,010 37,537 42,379 23,334 82,570 - - 40,342,053 38,547,615 - - 10,915,144 9,859,828 1,015,847 1,062,139 $ 51,257,197 $ 48,407,443 $ 1,015,847 $ 1,062,139 S 51,257,197 $ 48,407,443 108,035 122,721 $ 51,365,232 $ 48,530,164 39 CITY OF ANDOVER, MINNESOTA STATEMENT OF REVENUES, EXPENSES AND CHANGES IN NET POSITION PROPRIETARY FUNDS For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Water Sewer Storm Sewer Operating revenues: User charges $ 3,248,856 $ 2,353,737 $ 594,124 Meters 36,948 - - Other 63,433 1,302 400 Total operating revenues 3,349,237 2,355,039 594,524 Operating expenses: Personal services 548,413 375,048 204,405 Supplies 249,625 18,019 6,672 Other service charges 769,158 180,749 110,208 Disposal charges - 1,274,975 - Depreciation 850,293 613,240 294,935 Total operating expenses 2,417,489 2,462,031 616,220 Operating income (loss) 931,748 (106,992) (21,696) Nonoperating revenues (expenses): Investment income 97,204 63,256 12,986 Gain on sale of capital assets - - - Interest expense (41,594) - - Total nonoperating revenues (expenses) 55,610 63,256 12,986 Income (loss) before contributions and transfers 987,358 (43,736) (8,710) Capital contributions 957,541 851,570 1,005,479 Transfers: Transfers in 59,740 - - Transfers out (416,625) (499,773) (43,090) Total transfers (356,885) (499,773) (43,090) Change in net position 1,588,014 308,061 953,679 Net position - January 1 20,903,999 19,195,476 8,307,968 Net position - December 31 $ 22,492,013 $ 19,503,537 $ 9,261,647 Net changes in net position reported above Amounts reported for business -type activities in the statement of activities 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. Change in net position of business -type activities The accompanying notes are an intregral part of these financial statements. 40 Statement 7 Totals lntra Governmental Activities - Activity Totals Internal Service Funds Eliminations 2020 2019 2020 2019 $ - $ 6,196,717 $ 5,561,256 $ 1,217,279 $ 1,174,617 - 36,948 28,526 - - - 65,135 60,778 72,329 22,606 - 6,298,800 5,650,560 1,289,608 1,197,223 - 1,127,866 1,097,202 530,553 494,324 - 274,316 224,194 335,851 391,124 (30,600) 1,029,515 973,900 486,701 385,860 - 1,274,975 1,199,237 - - - 1,758,468 1,732,064 - - (30,600) 5,465,140 5,226,597 1,353,105 1,271,308 30,600 833,660 423,963 (63,497) (74,085) - 173,446 236,356 17,205 29,809 - - 15,818 - - - (41,594) (57,352) - - - 131,852 194,822 17,205 29,809 30,600 965,512 618,785 (46,292) (44,276) - 2,814,590 2,306,335 - - - 59,740 58,110 - - (30,600) (990,088) (1,323,739) - - (30,600) (930,348) (1,265,629) - - - 2,849,754 1,659,491 (46,292) (44,276) - 48,407,443 46,747,952 1,062,139 1,106,415 $ - $ 51,257,197 $ 48,407,443 $ 1,015,847 $ 1,062,139 $ 2,849,754 $ 1,659,491 (14,696) (23,707) $ 2,835,068 $ 1,635,784 Ell CITY OF ANDOVER, MINNESOTA STATEMENT OF CASH FLOWS PROPRIETARY FUNDS For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Cash flows from operating activities: Receipts from customers and users Payment to suppliers Payment to employees Net cash flows from operating activities Cash flows from noncapital financing activities: Transfers in Transfers out Net cash flows from noncapital financing activities Cash flows from capital and related financing activities: Acquisition of capital assets Interest paid on debt Payment of bonds Proceeds from the sale of capital assets Net cash flows from capital and related financing activities Cash flows from investing activities: Investment income Net increase in cash and cash equivalents Cash and cash equivalents - January I Cash and cash equivalents - December 31 Reconciliation of operating income to net cash provided (used) by operating activities: Operating income (loss) Adjustments to reconcile operating income (loss) to net cash flows from operating activities: Depreciation Changes in assets, deferred outflows of resources, liabilities and deferred inflows of resources: Decrease (increase) in due from other governmental units Decrease (increase) in accounts receivable Decrease (increase) in special assessments Decrease (increase) in inventory Decrease (increase) in deferred outflows ofresources Increase (decrease) in accounts payable Increase (decrease) in contracts payable Increase (decrease) in deposits payable Increase (decrease) in due to other governmental units Increase (decrease) in salaries payable Increase (decrease) in other post employment benefits Increase (decrease)in compensated absences Increase (decrease) in net pension liability Increase (decrease) in deferred inflows ofresources Total adjustments Net cash provided (used) by operating activities Noncash investing, capital and financing activities: Assets contributed to the Enterprise Funds $ 3,311,988 $ 2,388,912 $ 587,250 (991,587) (1,474,914) (176,379) (551,774) (364,456) (200,963) 1,768,627 549,542 209,908 59,740 (416,625) (499,773) (43,090) (356,885) (499,773) (43,090) (61,499) (725,000) (786,499) - - 100,178 66,326 13,023 725,421 116,095 179,841 5,017,053 3,479,606 543,902 $ 5,742,474 $ 3,595,701 $ 723,743 $ 931,748 $ (106,992) $ (21,696) 850,293 613,240 294,935 - 2,478 - (52,058) 25,210 (6,572) 14,809 6,185 (702) 11,428 - - (850) (1,516) - 10,915 1,249 3,106 5,472 154 (61,366) (1,300) - 681 (2,574) (1,239) 3,079 3,307 (285) 3,404 2,553 - 12,052 7,175 3,727 15,673 21,590 - (36,719) (22,517) - 836,879 656,534 231,604 $ 1,768,627 $ 549,542 $ 209,908 $ 957,541 $ 851,570 $ 1,005,479 The accompanying notes are an integral part of these financial statements. 42 Statement 8 Totals Governmental Activities - Totals Internal Service Funds 2020 2019 2020 2019 $ 6,288,150 $ 5,810,644 $ 1,294,236 $ 1,198,247 (2,642,880) (2,390,467) (837,502) (731,277) (1,117,193) (1,069,347) (527,575) (492,955) 2,528,077 2,350,830 (70,841) (25,985) 59,740 58,110 (959,488) (1,293,139) (899,748) (1,235,029) (186,329) (61,499) (63,664) (725,000) (718,316) 15,818 (786,499) (952,491) - - 179,527 232,255 18,700 29,592 1,021,357 395,565 (52,141) 3,607 9,040,561 8,644,996 1,009,554 1,005,947 $ 10,061,918 $ 9,040,561 $ 957,413 $ 1,009,554 $ 803,060 $ 393,363 $ (63,497) $ (74,085) 1,758,468 1,732,064 2,478 16,975 - - (33,420) 150,868 4,628 1,024 20,292 (7,759) - - 11,428 (6,820) (7,130) 28,027 (2,366) 37,467 - 15,270 (1,057) (7,820) 17,680 (55,740) 40,102 - (1,300) 1,300 (3,132) 3,939 - - 6,101 3,935 2,978 1,369 5,957 6,429 - - 22,954 13,321 37,263 (8,940) (59,236) (24,357) - 1,725,017 1,957,467 (7,344) 48,100 $ 2,528,077 $ 2,350,830 $ (70,841) $ (25,985) $ 2,814,590 $ 2,306,335 $ $ 43 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Note 1 SUMMARY 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 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 (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. 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 position and the statement of activities) report information on all of the nonfiduciary activities of the primary government and its component units. For the most part, the effect of interfund activity has been removed from these statements. Governmental activities, which normally are supported by taxes and intergovernmental revenues, are reported separately from business-(ype activities, which rely to a significant extent on fees and charges for support. The statement of activities demonstrates the degree to which the direct expenses of a given function or business -type activity are offset by program revenues. Direct expenses are those that are clearly identifiable with a specific function or business -type activity. Program revenues include 1) charges to customers or applicants who purchase, use, or directly benefit from goods, services, or privileges provided by a given function or business -type activity and 2) grants and contributions that are restricted to meeting the operational or capital requirements of a particular function or business -type activity. Taxes and other items not included among program revenues are reported instead as general revenues. Separate financial statements are provided for governmental funds and proprietary funds. Major individual governmental funds and major individual enterprise funds are reported as separate columns in the fund financial statements. C. MEASUREMENT FOCUS, BASIS OF ACCOUNTING, AND FINANCIAL STATEMENT PRESENTATION The government -wide financial statements are reported using the economic resources measurement focus and the accrual basis of accounting, as are the Proprietary Fund financial statements. Revenues are recorded when earned and expenses are recorded when a liability is incurred, regardless of the timing of related cash flows. Property taxes are recognized as revenues in the year for which they are levied. Grants and similar items are recognized as revenue as soon as all eligibility requirements imposed by the provider have been met. Governmental fund financial statements are reported using the current financial resources measurement focus and the modified accrual basis of accounting. Revenues are recognized as soon as they are both measurable and available. Revenues are considered to be available when they are collectible within the current period or soon enough thereafter to pay liabilities of the current period. For this purpose, the City considers all revenues, except reimbursement grants, to be available if they are collected within 60 days of the end of the current fiscal period. Reimbursement grants are considered available if they are collected within one year of the end of the current fiscal period. Expenditures generally are recorded when a liability is incurred, as under accrual accounting. However, debt service expenditures, as well as expenditures related to compensated absences and claims and judgments, are recorded only when payment is due. Property taxes, special assessments, intergovernmental revenues, charges for services and interest associated with the current fiscal period are all considered to be susceptible to accrual and so have been recognized as revenues of the current fiscal period. Only 44 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 the portion of special assessments receivable due within the current fiscal period is considered to be susceptible to accrual as revenue of the current period. All other revenue items are considered to be measurable and available only when cash is received by the City. The City reports the following major governmental funds: The General Fund is the City's primary operating fund. It accounts for all financial resources of the general government, except those required to be accounted for in another fund. The Water Trunk Capital Projects Fund (CPF) 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. The Sewer Trunk CPF is used to account for sewer access fees and sanitary sewer improvements. The Road and Bridge CPF accounts for all road projects and the pavement management program, which includes annual seal coating, crack sealing and overlays for roads. The 2018A General Obligation (G.O.) Capital Improvement Plan Bonds CPF accounts for the construction of a new vehicle maintenance facility with a wash bay and a cold storage building. The 2019A G.O. Abatement Bonds CPF accounts for the addition to the Andover YMCA Community Center. The project consists of a multi -sports complex, additional court added to the existing field house, and teen/senior meeting rooms. The Tax Increment Projects CPF is used to account for activities in TIF districts 1-2, 1-5, 1-6 and all TIF land sales and expenditures to reach the goals of the TIF district plans. The City reports the following major proprietary funds: The Water Fund accounts for the water service charges, which are used to finance the water system operating expenses. The Server Fund accounts for the sewer service charges, which are used to finance the sanitary sewer system operating expenses. The Storm Sewer Fund accounts for the storm sewer utility charges, which are used to finance the storm sewer operating expenses. Additionally, the City reports the following fund type: Internal Service Funds (ISF) are used to provide equipment maintenance and insurance to other departments of the City on a cost reimbursement basis. As a general rule the effect of interfund activity has been eliminated from the government -wide financial statements. Exceptions to this general rule are transactions that would be treated as revenues, expenditures or expenses if they involved external organizations, such as buying goods and services or payments in lieu of taxes, are similarly treated when they involve other funds of the City. Elimination of these charges would distort the direct costs and program revenues reported for the various functions concerned. Amounts reported as program revenues include 1) charges to customers or applicants for goods, services, or privileges provided, 2) operating grants and contributions, and 3) capital grants and contributions, including special assessments. Internally dedicated resources are reported as general revenues rather than as program revenues. Likewise, general revenues include all taxes. Proprietary funds distinguish operating revenues and expenses from nonoperating items. Operating revenues and expenses generally result from providing services and producing and delivering goods in connection with a proprietary fund's principal ongoing operations. The principal operating revenues of the water 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 City's policy to use restricted resources first, and then unrestricted resources as they are needed. 45 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 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. 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: Final Over Budget Actual Budget Special Revenue Funds: Charitable Gambling $ 30,000 $ 57,368 $ 27,368 The expenditures over budget 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 fiords 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, except for investments in external investment pools that meet GASB 79 requirements, are stated at amortized cost. Short-term investments, such as commercial paper and banker's acceptances, are reported at amortized cost. 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: 46 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 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." 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 and I). Because utility bills are considered liens on property, no estimated uncollectible amounts are established. Uncoil ectible 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 non -homesteaded 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 non -homesteaded 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. 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 inflow of resources because they are not available to finance current expenditures. 47 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 L 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 Gen 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) 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 inflow of resources. 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. Prepaid items are reported using the consumption method and recorded as expenditures/expenses at the time of consumption. L. LAND HELD FOR RESALE Land held for resale represents various property purchases made by the City with the intent to sell in order to increase tax base or attract new business. These assets are stated at the lower of cost or net realizable value. M. CAPITAL ASSETS Capital assets, which include property, plant, equipment and infrastructure assets (e.g., roads, bridges, sidewalks, and similar items) and intangible assets such as easements and computer software, are reported in the applicable governmental or business -type activities columns in the government -wide financial statements. Capital assets are defined by the City as assets with an initial, individual cost of more than $5,000 (except for easements which is $10,000) and an estimated useful life in excess of one year. Such assets are recorded at historical cost or estimated historical cost if purchased or constructed. Donated capital assets are recorded at acquisition value at the date of donation. The 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. The City implemented GASB Statement No. 51. Accounting and Financial Reporting for Intangible Assets effective January 1, 2010 which required the City to capitalize and amortize intangible assets. Intangible assets include easements and computer 48 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 software. Pursuant to GASB Statement 51, in the case of initial capitalization of intangible assets, the City chose to capitalize intangible assets retroactively to 1980, except for permanent easements and internally generated software. The City has already accounted for computer software at historical cost and therefore retroactive reporting was not necessary. The City does not have any temporary easements to record that meet the threshold of $10,000. Property, plant and equipment of the primary government, as well as the component units, are depreciated/amortized using the straight line method over the following estimated useful lives: Assets Life Buildings and improvements 10 - 30 years Furniture and equipment (including software) 5 - 10 years Machinery and equipment 5 - 10 years Other park improvements 10 - 30 years Storm sewer 50 years Distribution and collection systems 50 years Temporary easements 5 - 15 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 in the fall of 2019 of the condition of the streets and trails constructed since 1974. 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. An Overall Condition Index (OCI) was assigned to each segment. The index is expressed in a continuous scale from 0 to 10, where 0 is assigned to the least acceptable physical condition and 10 is assigned to those segments that have the characteristic of a new street or trail. The following conditions were defined: Range Description 8 - 10 Excellent 7 - 7.9 Very good 6 - 6.9 Good 4 - 5.9 Fair 2 - 3.9 Poor 1 - 1.9 Very poor 0 - .9 Substandard 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. N. 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 (240 hours if on the annual leave plan) 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. O. LONG-TERM OBLIGATIONS In the government -wide financial statements and proprietary fund types in the fund financial statements, long-term debt and other long-term obligations are reported as liabilities in the applicable governmental activities, business -type activities, or proprietary fund type statement of net position. Bond premiums and discounts are amortized over the life of the related debt. In the fund financial statements, governmental fund types recognize bond premiums and discounts during the current period. The face amount of debt issued is reported as other financing sources. Premiums received on debt issuances are reported as other financing sources while discounts on debt issuances are reported as other financing uses. 49 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 P. FUND BALANCE CLASSIFICATIONS In the fund financial statements, governmental fiords report fund balance in classifications that disclose constraints for which amounts in those funds can be spent. These classifications are as follows: Nonspendable — consists of amounts that are not in spendable form, such as prepaid items. Restricted — consists of amounts related to externally imposed constraints established by creditors, grantors or contributors; or constraints imposed by state statutory provisions. Committed — consists of internally imposed constraints. These constraints are established by Resolution of the City Council. Assigned — consists of internally imposed constraints. These constraints reflect the specific purpose for which it is the City's intended use. These constraints are established by the City Council and/or management. Pursuant to City Council Resolution, the City's Administrator and Finance Director are authorized to establish assignments of fund balance. Unassigned — is the residual classification for the general fund and also reflects negative residual amounts in other funds. When both restricted and unrestricted resources are available for use, it is the City's policy to first use restricted resources, and then use unrestricted resources as they are needed. When unrestricted resources are available for use, it is the City's policy to use resources in the following order: 1) committed, 2) assigned, and 3) unassigned. Q. INTERFUND TRANSACTIONS Interfimd 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. Interfimd 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. 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. RECLASSIFICATIONS Certain amounts presented in prior year data have been reclassified in order to be consistent with the current year's presentation. T. COMPARATIVE TOTALS The basic financial statements and combining and individual fund financial statements and schedules include certain prior year summarized comparative information in total but not at the level of detail required for a presentation in conformity with generally accepted accounting principles. Accordingly, such information should be read in conjunction with the government's financial statements for the year ended December 31, 2019, from which the summarized information was derived. U. DEFERRED OUTFLOWS/INFLOWS OF RESOURCES In addition to assets, the statement of financial position will sometimes report a separate section for deferred outflows of resources. This separate financial statement element, deferred outflows of resources, represents a consumption of net position that applies to a future period(s) and so will not be recognized as an outflow of resources (expense/expenditure) until then. The government has two items that qualify for reporting in the category. It is other post employment benefits and the pension related deferred outflows of resources reported in the government -wide Statement of Net Position and the proprietary funds Statement of Net Position. In addition to liabilities, the statement of financial position will sometimes report a separate section for deferred inflows of resources. This separate financial statement element, deferred inflows of resources, represents an acquisition of net position that applies to a future period(s) and so will not be recognized as an inflow of resources (revenue) until that time. The government has pension related deferred inflows of resources reported in the government -wide Statement of Net Position and the proprietary funds Statement of Net Position. The government also has a type of item, which arises only under a modified accrual basis of accounting, Zil CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 that qualifies for reporting in this category. Accordingly, the item, unavailable revenue, is reported only in the governmental funds balance sheet. The governmental funds report unavailable revenues from the following sources: property taxes, tax increment, special assessments, certified bills and land held for resale. V. DEFINED BENEFIT PENSION PLANS - STATEWIDE Pensions. For purposes of measuring the net pension liability, deferred outflows/inflows of resources, and pension expense, information about the fiduciary net position of the Public Employees Retirement Association (PERA) and additions to/deductions from PERA's fiduciary net position have been determined on the same basis as they are reported by PERA except that PERA's fiscal year end is June 30. For this purpose, plan contributions are recognized as of employer payroll paid dates and benefit payments and refunds are recognized when due and payable in accordance with the benefit terms. Investments are reported at fair value. W. 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 POSITION The governmental fund balance sheet includes a reconciliation between fund balance — total governmental funds and net position — governmental activities as reported in the government -wide statement of net position. One element of that reconciliation explains that "long-term liabilities, including bonds payable, other post employment benefits and net pension liability, are not due and payable in the current period and therefore are not reported in the funds." The details of this ($45,341,667) difference are as follows: Bonds payable $ (40,296,891) Accrued interest payable (544,339) Other post employment benefits (327,529) Compensated absences (840,769) Net pension liability (3,332,139) Net adjustment to reduce fund balance - total governmental funds to arrive at net position - governmental activities $ (45,341,667) 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 activities statement of net position along with a deduction of net revenue attributable to business -type activities." The details of this $907,812 difference are as follows: Internal Service Funds net position $ 1,015,847 Net revenue attributable to business -type activities (108,035) Net adjustment to increase fund balance - total governmental funds to arrive at net position - governmental activities $ 907,812 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 funds and changes in net position of governmental activities 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 S 14,528,019 difference are as follows: X CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Capital outlay $ 16,830,198 Construction/acquisition costs 7,145 Depreciation expense (2,309,324) Net adjustment to increase net changes in fund balances - total governmental funds to arrive at changes in net position of governmental activities $ 14,528,019 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 increase (decrease) net position." The details of this $6,633,646 difference are as follows: Donations of capital assets increase net position in the statement of activities, but do not appear in the governmental funds because they are not financial resources. $ 6,633,646 Another element of that reconciliation states "Revenues in the Statement of Activities that do not provide current financial resources are not reported as revenues in the funds." The details of this ($24,640) difference are as follows: Unavailable revenue - general property taxes: At December 31, 2019 $ (117,263) At December 31, 2020 145,014 Unavailable revenue - tax increment taxes: At December 31, 2019 (1,257) At December 31, 2020 1,257 Unavailable revenue - special assessments: At December 31, 2019 (1,697,628) At December 31, 2020 1,720,237 Unavailable revenue - land held for resale At December 31, 2019 (825,000) At December 31, 2020 750,000 Net adjustments to decrease net changes in fund balances - total governmental funds to arrive at changes in net position of governmental activities $ (24,640) 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 position. The details of this $322,156 difference are as follows: Debt issued or incurred: Issuance of certificates of indebtedness $ (1,310,000) Principal repayments: Abatement bonds 910,000 Certificates of indebtedness 406,000 Capital improvement bonds 85,000 Referendum bonds 160,000 Amortization of bond premium 71,156 Net adjustment to increase net changes in fund balances - total governmental funds to arrive at changes in net position of governmental activities $ 322,156 52 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 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 ($126,266) difference are as follows: Compensated absences $ (119,115) Accrued interest (7,151) Net adjustment to decrease net changes in fund balances - total governmental funds to arrive at changes in net position of governmental activities $ (126,266) 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 (S31,606) difference are as follows: Internal Service Funds change in net position $ (46,292) Net revenue attributable to business -type activities 14,686 Net adjustment to increase fund balance - total governmental funds to arrive at net position - governmental activities $ (31,606) 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 such banks 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. Securities pledged as collateral are required to be held in safekeeping by the City Clerk/Treasurer or in a financial institution other than that furnishing the collateral. Minnesota Statute l 18A.03 identifies allowable forms of collateral. Custodial Credit Risk — Deposits: Custodial credit risk is the risk that in the event of a bank failure, the City's deposits may not be returned to it. As of December 31, 2020, the bank balance of the City's deposits was covered by federal depository insurance or covered by perfected collateral pledged and held in the City's name. The City has no additional deposit policies addressing custodial credit risk. INVESTMENTS Subject to rating, yield, maturity and issuer requirements as prescribed by statute, Minnesota Statutes 118A.04 and 118A.05 authorize the City to invest in United States securities, state and local securities, commercial paper, time deposits, high -risk mortgage -backed securities, temporary general obligation bonds, repurchase agreements, Minnesota joint powers investment trust and guaranteed investment contracts. As of December 31, 2020, the City had the following investments and maturities: 53 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Investment Maturities (in Years) Credit Fair Less Than More Than Investment Type Rating Value 1 1 - 5 6 - 10 10 Money market funds N/A $ 2,997,965 $ 2,997,965 $ - $ - $ - Minnesota Municipal Money Market Fund (4M) N/A 2,314,404 2,314,404 - - - Certificates of deposit N/A 13,826,841 8,880,298 4,946,543 - - Local/State governments A/A1/A2 265,633 203,696 61,937 - - AAl/AA2/AA3 8,954,131 2,571,979 4,148,637 2,233,515 - AAA 5,755,480 1,532,172 3,151,637 867,061 204,610 U.S. agencies AAA 18,443,399 7,406,500 10,401,775 635,124 - Total investments 52,557,853 $25,907,014 $22,710,529 $ 3,735,700 $ 204,610 Deposits 2,289,200 Total cash and investments $54,847,053 The following is a reconciliation of the City's total cash and investment balances at December 31, 2020: Government -wide statement of net position: Cash and investments $ 54,720,371 Cash and investments with escrow agent 126,682 Total $ 54,847,053 The City categorizes its fair value measurements within the fair value hierarchy established by generally accepted accounting principles. The hierarchy is based on the valuation inputs used to measure the fair value of the asset. The hierarchy has three levels. Level 1 investments are valued using inputs that are based on quoted prices in active markets for identical assets. Level 2 investmments are valued using inputs that are based on quoted prices for similar assets or inputs that are observable, either directly or indirectly. Level 3 investments are valued using inputs that are unobservable. The City has the following recurring fair value measurements as of December 31, 2020: 54 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Investment Type Investments at fair value: Federal Home Loan Bank Federal Farm Credit Bank Federal Home Loan Mortgage Corporation Federal National Mortgage Association M unicip at Bonds Brokered Certificates of Deposit Total investments at fair value Investments not categorized: External investment pool: 4M Wells Fargo Bank Money Market Total investments not categorized Total Fair Value Measurement Using 12/31/2020 Level Level Level $ 4,929,830 $ - $ 4,929,830 $ - 5,362,887 - 5,362,887 - 5,982,610 - 5,982,610 - 2,168,072 - 2,168,072 - 14,975,244 - 14,975,244 - 13,826,841 - 13,826,841 - 47,245,484 $ - $47,245,484 $ - 2,314,404 2,997,965 5,312,369 $ 52,557,853 The 4M Fund is an external investment pool investment which is regulated by Minnesota Statutes and the Board of Directors of the League of Minnesota Cities. It is an unrated pool and the fair value of the position in the pool is the same as the value of pool shares. The pool is managed to maintain a portfolio weighted average maturity of no greater than 60 days and seeks to maintain a constant net asset value (NAV) per share of $1. The pool measures their investments in accordance with Government Accounting Standards Board Statement No. 79, at amortized cost. The 4M Plus Fund requires funds to be deposited for a minimun of 14 calendar days. Withdrawals prior to the 14-day restriction period are subject to a penalty equal to 7 days interest on the amount withdrawn. Custodial Credit Risk - investments — For investments in securities, custodial credit risk is the risk that in the event of a failure of the counteiparty, the City will not be able to recover the value of its investment securities that are in the possession of an outside party. As of December 31, 2020, $250,000 of the City's $52,557,853 investments was uninsured and unregistered, with securities held in the City's name. Interest Rate Risk - The City has a formal investment policy that states the City will minimize the risk that the market value of securities in the portfolio will fall due to the changes in general interest rates, by: 1) Structuring the investment portfolio so that securities mature to meet cash requirements for ongoing operations, thereby avoiding the need to sell securities on the open market prior to maturity. 2) Investing operating funds primarily in shorter-tenn securities, money market mutual funds or similar investment pools. Credit Risk - The City has a formal investment policy that states the City will minimize the credit risk, the risk of loss due to the failure of the security issuer or backer, by: 1) Limiting investments to the safest types of securities. 2) Pre -qualifying the financial institutions, broker/dealers, intermediaries and advisers with which the City will do business. A list will be maintained of financial institutions authorized to provide investment services. In addition, a list also will be maintained of approved security broker/dealers selected by creditworthiness. These may include "primary" dealers or regional dealers that qualify under Securities and Exchange Commission (SEC) Rule 15C3-1. All financial institutions and broker/dealers who desire to become qualified for investment transactions must supply: audited financial statements, proof of National Association of Securities Dealers (NASD) certification, proof of state registration, completed broker/dealer questionnaire, and certification of having read and understood and agreeing to comply with the City's investment policy. An annual review of the financial condition and registration of qualified financial institutions and broker/dealers will be conducted by the City Administrator. 55 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Concentration of Credit Risk - More than 35% of the City's investments are in various holdings with U.S. agencies; Federal Home Loan Bank (9.4%), Federal Farm Credit Bank (10.2%), Federal National Mortgage Association (4.1%) and Federal Home Loan Mortgage Corporation (11.4%). The City's policy on concentration of investments is as follows: 1) Diversification - The investments shall be diversified by: a) investments to avoid over concentration in securities from a specific issuer or business sector (excluding U.S. Treasury securities), b) limiting investment in securities that have higher credit risks, c) investing in securities with varying maturities, and d) continuously investing a portion of the portfolio in readily available funds such as local government investment pools (LGIPs), money market funds or overnight repurchase agreements to ensure that appropriate liquidity is maintained in order to meet ongoing obligations. 21) Maximum Maturities - To the extent possible, the City shall attempt to match its investments with anticipated cash flow requirements. Unless matched to a specific cash flow, the City will not directly invest in securities maturing, or having average lifes, of more than five (5) years from the date of purchase or in accordance with state and local statutes and ordinances. Reserve funds and other funds with longer-tenrr investment horizons may be invested in securities exceeding five (5) years if the maturity of such investments are made to coincide as nearly as practicable with the expected use of funds. The intent to invest in securities with longer maturities shall be disclosed in writing to the legislative body. Because of inherent difficulties in accurately forecasting cash flow requirements, a portion of the portfolio should be continuously invested in readily available funds such as local government investment pools, money market funds, or overnight repurchase agreements to ensure that appropriate liquidity is maintained to meet ongoing obligations. Note 3 RECEIVABLES Significant receivable balances not expected to be collected within one year of December 31, 2020 are as follows: Delinquent Delinquent Special Property Tax Assessment Taxes Increment Receivable Total Major Funds: General Fund $ 46,411 $ - $ 10,192 $ 56,603 Water Trunk CPF - - 284,195 284,195 Sewer Trunk CPF - - 57,210 57,210 Road and Bridge CPF 6,934 - 1,034,206 1,041,140 Tax Increment Projects CPF - 1,257 - 1,257 Nonmajor Funds 16,263 - 93,416 109,679 Total $ 69,608 $ 1,257 $ 1,479,219 $ 1,550,084 Note 4 UNAVAILABLE REVENUES Governmental funds report deferred inflows of resources in connection with receivables for revenues that are not considered to be available to liquidate liabilities of the current period. At the end of the current fiscal year, the various components of unavailable revenue reported in the governmental funds were as follows: 56 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Property Tax Special Land Held Taxes Increment Assessments for Resale Total Major Funds: General Fund $ 96,689 $ - $ 10,192 $ - $ 106,881 Water Trunk CPF - - 304,827 - 304,827 Sewer Trunk CPF - - 83,203 - 83,203 Road and Bridge CPF 14,446 - 1,226,223 - 1,240,669 Tax Increment Projects CPF - 1,257 - 750,000 751,257 Nonmajor Funds 33,879 - 95,792 - 129,671 Total $ 145,014 $ 1,257 $ 1,720,237 $ 750,000 $ 2,616,508 Note 5 CAPITAL ASSETS In accordance with GASB Statement No. 34, the City has reported all capital assets including infrastructure in the government -wide statement of net position. 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. Capital asset activity for the year ended December 31, 2020 was as follows: Primary Government Governmental activities: Capital assets not being depreciated: Land and improvements Streets and trails Construction in progress Total capital assets not being depreciated Capital assets being depreciated: Buildings and improvements Furniture and equipment (including software) Machinery and equipment Other park improvements Total capital assets being depreciated Less accumulated depreciation for: Buildings and improvements Furniture and equipment Machinery and equipment Other park improvements Total accumulated depreciation Total capital assets being depreciated - net Governmental activities capital assets - net Beginning Ending Balance Additions Deletions Balance $ 11,205,798 $ 115,335 $ - $ 11,321,133 87,716,023 1,869,973 - 89,585,996 14,087,766 168,192 (14,087,766) 168,192 113,009,587 2,153,500 (14,087,766) 101,075,321 27,552,688 34,325,048 (66,911) 61,810,825 969,869 184,456 (37,200) 1,117,125 8,905,807 610,669 (224,409) 9,292,067 8,200,494 277,937 (42,195) 8,436,236 45,628,858 35,398,110 (370,715) 80,656,253 14,373,629 1,499,645 (66,911) 15,806,363 581,925 86,181 (37,200) 630,906 6,575,481 392,292 (224,409) 6,743,364 4,569,264 331,206 (42,195) 4,858,275 26,100,299 2,309,324 (370,715) 28,038,908 19,528,559 33,088,786 - 52,617,345 $ 132,538,146 $ 35,242,286 $ (14,087,766) $ 153,692,666 57 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Primary Government Business -type activities: Capital assets not being depreciated: Land and improvements Construction in progress Total capital assets not being depreciated Capital assets being depreciated: Buildings and improvements Furniture and equipment (including software) Machinery and equipment Collection and distribution Total capital assets being depreciated Less accumulated depreciation for: Buildings and improvements Furniture and equipment Machinery and equipment Collection and distribution Total accumulated depreciation Total capital assets being depreciated - net Business -type activities capital assets - net Beginning Ending Balance Additions Deletions Balance $ 730,243 S - $ - S 730,243 161,927 - (161,927) - 892,170 - (161,927) 730,243 15,877,590 - - 15,877,590 23,436 - - 23,436 1,576,915 - - 1,576,915 60,497,170 2,976,517 - 63,473,687 77,975,111 2,976,517 - 80,951,628 10,359,787 420,007 - 10,779,794 23,437 - - 23,437 869,318 91,262 - 960,580 25,956,066 1,247,199 - 27,203,265 37,208,608 1,758,468 - 38,967,076 40,766,503 1,218,049 - 41,984,552 $ 41,658,673 $ 1,218,049 $ (161,927) $ 42,714,795 Depreciation/amortization expense was charged to functions/programs of the primary government as follows: Governmental activities: General government $ 98,146 Public safety 298,242 Public works 392,464 Parks and recreation 1,502,142 Recycling 6,862 Economic development 11,468 Total depreciation/amortization expense - governmental activities $ 2,309,324 Business -type activities: Water $ 850,293 Sewer 613,240 Storm sewer 294,935 Total depreciation/amortization expense - business -type activities $ 1,758,468 CONSTRUCTION COMMITMENTS At December 31, 2020, the City did not have any construction commitments. 58 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Note 6 LONG-TERM DEBT The City issues general obligation bonds, equipment certificates and promissory notes 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. GOVERNMENTAL ACTIVITIES: Abatement Bonds: 2012C G.O. Abatement Bonds 2019A G.O. Abatement Bonds Total abatement bonds Certificates of indebtedness: 2016A G.O. Equipment Certificates 2020A C.O. Equipment Certificates Total certificates of indebtedness Issue Maturity Interest Original Payable Date Date Rate Issue 12/31/20 12/27/2012 2/1/2031 1.00-3.00% $ 17,315,000 $ 11,475,000 8/1/2019 2/l/2040 3.00-5.00% 15,770,000 15,770,000 33,085,000 27,245,000 2/19/2016 2/1/2021 190% 520,000 134,000 3/19/2020 2/1/2024 4.00% 1,310,000 1,310,000 1,830,000 1,444,000 Capital Improvement Bonds: 2018A G.O. Capital Improvement Plan Bonds 12/27/2018 Referendum Bonds: 2010A G.O. Open Space Referendum Bonds 2/18/2010 Total - bonded indebtedness Issuance premiums Compensated absences payable Total governmental activities indebtedness BUSINESS -TYPE ACTIVITIES: General Obligation Revenue Bonds: 2009A G.O. Water Revenue Bonds 3/26/2009 2016B G.O. Water Revenue Refunding Bonds 12/7/2016 Total general obligation revenue bonds Issuance premiums 2/ l /2044 3.00-5.00% 10,000,000 9,915,000 2/1/2022 2.00-3.12% 1,660,000 335,000 46,575,000 38,939,000 - 1,357,891 - 840,769 46,575,000 41,137,660 2/l/2024 2.00-4.25% 1,025,000 320,000 2/l/2023 2.00% 3,925,000 2,025,000 4,950,000 2,345,000 - 27,742 Compensated absences payable - 235,202 Total business -type activities indebtedness 4,950,000 2,607,944 Total City indebtedness $ 51,525,000 $ 43,745,604 For the governmental activities, compensated absences are generally liquidated by the General and Special Revenue Funds. Annual debt service requirements to maturity for general obligation bonds are as follows: M CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Governmental Activities Abatement Bonds Certificates of Indebtedness Capital Improvement Bonds Principal Interest Principal Interest Principal Interest 2021 $ 1,160,000 $ 871,906 $ 449,000 $ 47,373 $ 125,000 $ 350,881 2022 1,490,000 833,706 320,000 33,400 130,000 344,506 2023 1,530,000 786,181 330,000 20,400 290,000 334,006 2024 1,585,000 735,650 345,000 6,900 300,000 319,256 2025 1,635,000 681,256 - - 315,000 303,881 2026-2030 9,095,000 2,472,947 - - 1,825,000 1,292,706 2031-2035 5,620,000 1,131,525 - - 2,130,000 981,500 2036-2040 5,130,000 394,050 - - 2,485,000 617,628 2041-2044 - - - - 2,315,000 165,462 Total $ 27,245,000 $ 7,907,221 $ 1,444,000 $ 108,073 $ 9,915,000 $ 4,709,826 Governmental Activities Business -Type Activities Referendum Bonds G.O. Revenue Bonds Principal Interest Principal Interest 2021 $ 165,000 $ 7,870 $ 735,000 $ 45,492 2022 170,000 2,656 755,000 29,042 2023 - - 770,000 12,153 2024 - - 85,000 1,806 $ 335,000 $ 10,526 $ 2,345,000 $ 88,493 It is not practical to determine the specific year for payment of long-term accrued compensated absences CHANGE IN LONG-TERM LIABILITIES Long-term liability activity for the year ended December 31, 2020, was as follows: Governmental activities: Bonds payable: Abatement bonds Certificates of indebtedness Capital improvement bonds Referendum bonds Total bonds payable Issuance premiums Compensated absences Total governmental activities long-term liabilities Beginning Ending Due Within Balance Additions Reductions Balance One Year $ 28,155,000 $ - $ (910,000) $ 27,245,000 $ 1,160,000 540,000 1,310,000 (406,000) 1,444,000 449,000 10,000,000 - (95,000) 9,915,000 125,000 495,000 - (160,000) 335,000 165,000 39,190,000 1,310,000 (1,561,000) 38,939,000 1,899,000 1,429,047 - (71,156) 1,357,891 - 721,654 467,444 (348,329) 840,769 126,115 $ 41,340,701 $ 1,777,444 $ (1,980,485) $ 41,137,660 $ 2,025,115 60 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Beginning Ending Due Within Balance Additions Reductions Balance One Year Business -type activities: Bonds payable: G.O. revenue bonds $ 3,070,000 $ - $ (725,000) $ 2,345,000 $ 735,000 Issuance premiums 41,058 - (13,316) 27,742 - Compensated absences 212,248 73,754 (50,800) 235,202 35,280 Total business -type activities longterm liabilities $ 3,323,306 $ 73,754 $ (789,116) $ 2,607,944 $ 770,280 For the governmental activities, bonds can be summarized in the following categories: The abatement bonds were used to purchase the 132,000 square foot building from the EDA and expand the building. The bonds 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 bonds. The certificates of indebtedness 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. The capital improvement bonds are used to finance the construction of the public works maintenance facility with a wash bay and a cold storage building. The bonds 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 bonds. The referendum bonds were used to finance various land acquisitions for open space preservation within the City. The bonds 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. For the business -type activities, the G.O. revenue bonds were used to finance the construction of a water treatment plant. 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. REVENUESPLEDGED 2012C G.O. Abatement Bonds. The City has pledged future lease revenue, operating revenues (net of operating expenses) and, if necessary, a debt service tax levy to repay the $17,315,000 bonds issued in December 2012. Proceeds from this bond refunded the 2004 EDA Public Facility Lease Revenue Bonds. Lease revenues were projected to produce 100% of the debt service requirements over the life of the bonds. Total principal and interest remaining on the bonds is $13,320,946, payable through February 2031. For the current year, principal and interest paid and total property tax revenues were $1,215,981 and $972,704, respectively. 2019A G.O. Abatement Bonds. The City has pledged future lease revenue, operating revenues (net of operating expenses) and, if necessary, a debt service tax levy to repay the $15,770,000 bonds issued in August 2019. Proceeds from this bond were used to finance the expansion of the community center. Total principal and interest remaining on the bonds is $21,831,275, payable through February 2040. For the current year, principal and interest paid and total property tax revenues were $590,150 and $996,913, respectively. 2016A G.O. Equipment Certificates. The City has pledged future property tax revenue to repay the $520,000 bonds issued in February 2016. Proceeds from the bonds were used to finance the purchase of capital equipment. Property taxes were projected to produce 100% of the debt service requirements over the life of the bonds. Total principal and interest remaining on the bonds is $135,273, payable through February 2021. For the current year, principal and interest paid and total property tax revenues were $134,791 and $142,775, respectively. 2020A G.O. Equipment Certificates. The City has pledged future property tax revenue to repay the $1,310,000 bonds issued in March 2020. Proceeds from the bonds were used to finance the purchase of capital equipment. Property taxes were projected to produce 100% of the debt service requirements over the life of the bonds. Total principal and interest remaining on the bonds is $1,416,800, payable 61 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 through February 2024. For the current year, principal and interest paid and total property tax revenues were $19,213 and $348,540, respectively 2018A G.O. Capital Improvement Plan Bonds, The City has pledged future property tax revenue to repay the $10,000,000 bonds issued in December 2018. Proceeds from the bonds were used to finance the construction of a public works maintenance facility with a wash bay and a cold storage building. Property taxes were projected to produce 100% of the debt service requirements over the life of the bonds. Total principal and interest remaining on the bonds is S14,624,826, payable through February 2044. For the current year, principal and interest paid and total property tax revenues were $441,131 and S431,794, respectively. 2010A G.O. Open Space Referendum Bonds. The City has pledged future property tax revenue to repay the $1,660,000 bonds issued in February 2010. Proceeds from the bonds were used to finance various land acquisitions for open space preservation within the City. Property taxes were projected to produce 100% of the debt service requirements over the life of the bonds. Total principal and interest remaining on the bonds is $345,526, payable through February 2022. For the current year, principal and interest paid and total property tax revenues were $172,828 and $184,240 respectively. 2009A G.O. Water Revenue Bonds. The City has pledged future water customer revenues, net of operating expenses, to repay the $1,025,000 bonds issued in March 2009. Proceeds of the bonds provided financing for the addition to the water treatment plant. The bonds are payable from water customer net revenues and are payable through 2024. The total principal and interest remaining on the bonds is $347,143. The principal and interest paid for the current year and total customer net revenues were $89,499 and $1,425,156, respectively. 2016B G.O. Water Revenue Refunding Bonds. The City has pledged future water customer revenues, net of operating expenses, to repay the $3,925,000 bonds issued in December 2016. Proceeds of the bonds refunded the Series 2007B Bonds. The bonds are payable from water customer net revenues and are payable through 2023. The total principal and interest remaining on the bonds is $2,086,350. The principal and interest paid for the current year and total customer net revenues were $697,000 and $1,425,156, respectively. Note 7 LEGAL 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's legal debt margin for 2020 and 2019 is computed as follows: December 31, 2(12(1 2019 Estimated taxable market value $ 3,422,826,162 Debt limit (3% of market value) 102,684,785 Amount of debt applicable to debt limit: Total bonded debt $ 41,284,000 Less: Nonapplicable debt G.O. water revenue bonds (2,345,000) Less: Cash and investments in related debt service funds (2,021,047) Total debt applicable to debt limit 36,917,953 Legal debt margin $ 65,766,832 Note 8 DEFINED BENEFIT PENSION PLANS - PERA A. PLAN DESCRIPTION $ 3,121,797,779 93,653,933 $ 42,260,000 (3,070,000) (1,418,3�76) 37,771,624 $ 55,882,309 The City participates in the following cost -sharing multiple -employer defined benefit pension plans administered by the Public Employees Retirement Association of Minnesota (PERA). PERA's defined benefit pension plans are established and administered in accordance with Minnesota Statutes, Chapters 353 and 356. PERA's defined benefit pension plans are tax qualified plans under Section 401(a) of the Internal Revenue Code. 62 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 1. General Employees Retirement Fund (GERF) All full-time (with exception of employees covered by PEPFF) and certain part-time employees of the City are covered by the GERF. GERF members belong to the Coordinated Plan. Coordinated Plan members are covered by Social Security. 2. Public Employees Police and Fire Plan (PEPFF) The PEPFF, originally established for police officers and firefighters not covered by a local relief association, now covers all police officers and firefighters hired since 1980. Effective July 1, 1999, the PEPFF also covers police officers and firefighters belonging to a local relief association that elected to merge with and transfer assets and administration to PERA. B. BENEFITS PROVIDED PERA provides retirement, disability, and death benefits. Benefit provisions are established by state statute and can only be modified by the state legislature. Vested, terminated employees who are entitled to benefits, but are not receiving them yet are bound by the provisions in effect at the time they last terminated their public service. 1. GERF Benefits Benefits are based on a member's highest average salary for any five successive years of allowable service, age, and years of credit at termination of service. Two methods are used to compute benefits for PERA's Coordinated Plan members. Members hired prior to July 1, 1989, receive the higher of Method 1 or Method 2 formulas. Only Method 2 is used for members hired after June 30, 1989. Under Method 1, the accrual rate for Coordinated Plan members is 1.2% of average salary for each of the first ten years of service and 1.7% of average salary for each additional year. Under Method 2, the accrual rate for Coordinated members is 1.7% of average salary for all years of service. For members hired prior to July 1, 1989, a full annuity is available when age plus years of service equal 90 and normal retirement age is 65. For members hired on or after July 1, 1989, normal retirement age is the age for unreduced Social Security benefits capped at 66. Benefit increases are provided to benefit recipients each January. Beginning in 2019, the postretirement increase is equal to 50% of the cost -of -living adjustment (COLA) announced by the SSA, with a minimum increase of at least 1 % and a maximum of 1.5%. Recipients that have been receiving the annuity or benefit for at least a full year as of the June 30 before the effective date of the increase will receive the full increase. For recipients receiving the annuity or benefit for at least one month but less than a full year as of the June 30 before the effective date of the increase will receive a reduced prorated increase. For members retiring on January 1, 2024, or later, the increase will be delayed until normal retirement age (age 65 if hired prior to July 1, 1989, or age 66 for individuals hired on or after July 1, 1989). Members retiring under Rule of 90 are exempt from the delay to normal retirement. 2. PEPFF Benefits for PEPFF members first hired after June 30, 2010 but before July 1, 2014, vest on a prorated basis from 50% after five years up to 100% after ten years of credited service. Benefits for PEPFF members first hired after June 30, 2014 vest on a prorated basis from 50% after ten years up to 100% after twenty years of credited service. The annuity accrual rate is 3% of average salary for each year of service. For PEPFF members who were first hired prior to July 1, 1989, a full annuity is available when age plus years of service equal at least 90. Benefit increases are provided to benefit recipients each January. Beginning in 2019, the postretirement increase will be fixed at 1 %. Recipients that have been receiving the annuity or benefit for at least 36 months as of June 30 before the effective date of the increase will receive the full increase. For recipients receiving the annuity or benefit for at least 25 months but less than 36 months as of the June 30 before the effective date of the increase will receive a reduced prorated increase. C. CONTRIBUTIONS Minnesota Statutes Chapter 353 sets the rates for employer and employee contributions. Contribution rates can only be modified by the state legislature. 1. GERF Contributions Coordinated Plan members were required to contribute 6.5% of their annual covered salary in fiscal year 2020 and the City was required to contribute 7.5% for Coordinated Plan members. The City's contributions to the GERF for the year ended December 31, 2020 were $317,872. The City's contributions were equal to the required contributions as set by state statute. 63 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 2. PEPFF Contributions Police and Fire member's contribution rates increased from 11.3% of pay to 11.8% and employer rates increased from 16.95% to 17.70% on January 1, 2020. The City's contributions to the PEPFF for the year ended December 31, 2020 were $34,168. The City's contributions were equal to the required contributions as set by state statute. D. PENSION COSTS 1. GERF Pension Costs At December 31, 2020, the City reported a liability of $3,495,351 for its proportionate share of the GERF's net pension liability. The City's net pension liability reflected a reduction due to the State of Minnesota's contribution of $16 million. The State of Minnesota is considered a non -employer contributing entity and the state's contribution meets the definition of a special funding situation. The State of Minnesota's proportionate share of the net pension liability associated with the City totaled $107,788. The net pension liability was measured as of June 30, 2020 and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The City's proportionate share of the net pension liability was based on the City's contributions received by PERA during the measurement period for employer payroll paid dates from July 1, 2019 through June 30, 2020, relative to the total employer contributions received from all of PERA's participating employers. The City's proportionate share was 0.0583% at the end of the measurement period and 0.0576% for the beginning of the period. City's proportionate share of the net pension liability $ 3,495,351 State of Minnesota's proportionate share of the net pension liability associated with the City 107,788 Total $ 3,603,139 For the year ended December 31, 2020 the City recognized pension expense of $138,736 for its proportionate share of the GERF's pension expense. In addition, the City recognized an additional $9,381 of pension expense (and grant revenue) for its proportionate share of the State of Minnesota's contribution of $16 million to the GERF. At December 31, 2020, the City reported its proportionate share of the GERF's deferred outflows of resources and deferred inflows of resources related to pensions from the following sources: Deferred Deferred Outflows Inflows of Resources of Resources Differences between expected and actual economic experience $ 31,876 $ 13,225 Changes in actuarial assumptions - 129,816 Net collective difference between projected and actual investment earnings 58,941 - Changes in proportion 28,899 45,129 Contributions paid to PERA subsequent to the measurement date 159,103 - Total $ 278,819 $ 188,170 The $159,103 reported as deferred outflows of resources related to pensions resulting from City contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ended December 31, 2021. Other amounts reported as deferred outflows and inflows of resources related to pensions will be recognized in pension expense as follows: 64 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Year Ended December 31, 2021 2022 2023 2024 Thereafter 2. PEPFF Pension Costs Pension Expense Amount (219,557) (9,432) 76,088 84,447 $ (68,454) At December 31, 2020, the City reported a liability of $270,212 for its proportionate share of the PEPFF's netpension liability. The net pension liability was measured as of June 30, 2020 and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The City's proportionate share of the net pension liability was based on the City's contributions received by PERA during the measurement period for employer payroll paid dates from July 1, 2019 through June 30, 2020 relative to the total employer contributions received from all of PERA's participating employers. The City's proportionate share was 0.0205% at the end of the measurement period and 0.0272% for the beginning of the period. The State of Minnesota also contributed $13.5 million to PEPFF during the plan fiscal year ended June 30, 2020. The contribution consisted of $4.5 million in direct state aid that does meet the definition of a special funding situation and $9.0 mullion in fire state aid that does not meet the definition of a special funding situation. The $4.5 million direct state aid was paid on October 1, 2019. Thereafter, by October 1 of each year, the state will pay $9 million to the Police and Fire Fund until full funding is reached or July 1, 2048, whichever is earlier. The $9 million in fire state aid will continue until the fund is 90% funded, or until the State Patrol Plan (administered by the Minnesota State Retirement System) is 90% funded, whichever occurs later. As a result, the State of Minnesota is included as a non -employer contributing entity in the PEPFF Schedule of Employer Allocations and Schedule of Pension Amounts by Employer, Current Reporting Period Only (pension allocation schedules) for the $4.5 million in direct state aid. PEPFF employers need to recognize their proportionate share of the State of Minnesota's pension expense (and grant revenue) under GASB 68 special funding situation accounting and financial reporting requirements. For the year ended December 31, 2020, the City recognized pension expense of $3,902 for its proportionate share of the Police and Fire Plan's pension expense. In addition, the City recognized an additional $1,960 as pension expense (and grant revenue) for its proportionate share of the State of Minnesota's contribution of $4.5 million to the PEPFF. The State of Minnesota is not included as a non -employer contributing entity in the Police and Fire Pension Plan pension allocation schedules for the $9 million in fire state aid. The City also recognized $1,845 for the year ended December 31, 2020 as revenue and offsetting reduction of net pension liability for its proportionate share of the State of Minnesota's on - behalf contributions to the Police and Fire Fund. At December 31, 2020, the City reported its proportionate share of the PEPFF's deferred outflows of resources and deferred inflows of resources related to pensions from the following sources: Deferred Deferred Outflows Inflows of Resources of Resources Differences between expected and actual economic experience $ 11,218 $ 6,546 Changes in actuarial assumptions 46,197 134,874 Net collective difference between projected and actual investment earnings 17,253 - Changes in proportion 118,712 198,620 Contributions paid to PERA subsequent to the measurement date 16,148 - Total $ 209,528 $ 340,040 65 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 $16,148 reported as deferred outflows of resources related to pensions resulting from City contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ended December 31, 2021. Other amounts reported as deferred outflows and inflows of resources related to pensions will be recognized in pension expense as follows: Year Ended Pension Expense December 31, Amount 2021 $ (27,839) 2022 (59,476) 2023 (46,042) 2024 (1,713) 2025 (11,590) Thereafter - $ (146,660) E. ACTUARIAL ASSUMPTIONS The total pension liability in the June 30, 2020 actuarial valuation was determined using an individual entry -age normal actuarial cost method and the following actuarial assumptions: Inflation 2.50 percent per year Active Member Payroll Growth 3.25 percent per year Investment Rate of Return 7.50 percent Salary increases were based on a service -related table. Mortality rates for active members, retirees, survivors, and disabilitants for all plans were based on RP 2014 tables for males or females, as appropriate, with slight adjustments to fit PERA's experience. Cost of living benefit increases after retirement for retirees are assumed to be 1.25% per year for GERF and 1.0% per year for PEPFF. Actuarial assumptions used in the June 30, 2020 valuation were based on the results of actuarial experience studies. The most recent four-year experience study GERF was completed in 2019. The assumption changes were adopted by the Board and become effective with the July 1, 2020 actuarial valuation. The most recent four-year experience study for PEPFF was completed in 2020. The following changes in actuarial assumptions and plan provisions occurred in 2020: General Employees Fund Changes in Actuarial Assumptions: • The price inflation assumption was decreased from 2.50% to 2.25%. • The payroll growth assumption was decreased from 3.25% to 3.00%. • As recommended in the June 30, 2019 experience study, assumed salary increase rates were decreased 0.25% and assumed rates of retirement were changed resulting in more unreduced (normal) retirements and slightly fewer Rule of 90 and early retirements. Assumed rates of termination and disability were also changed. • The base mortality tables were changed from RP-2014 to Pub-2010 tables, with adjustments. • The mortality improvement scale was changed from Scale MP-2018 to Scale MP-2019. • The assumed spouse age difference was changed from two years older for females to one year older. • The assumed number of married male new retirees electing the 100% Joint & Survivor option changed from 35% to 45%. The assumed number of married female new retirees electing 100% Joint & Survivor option changed from 15% to 30%. The corresponding number of married new retirees electing the Life annuity option was adjusted accordingly. Changes in Plan Provisions: • Augmentation for current privatized members was reduced to 2.0% for the period July 1, 2020 through December 31, 2023 and 0.0% after. Augmentation was eliminated for privatizations occurring after June 30, 2020. 66 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Police and Fire Fund Changes in Actuarial Assumptions: • The mortality projection scale was changed from MP-2018 to MP-2019. The State Board of Investment, which manages the investments of PERA, prepares an analysis of the reasonableness on a regular basis of the long-term expected rate of return using a building-block method in which best -estimate ranges of expected future rates of return are developed for each major asset class. These ranges are combined to produce an expected long-term rate of return by weighting the expected future rates of return by the target asset allocation percentages. The target allocation and best estimates of geometric real rates of return for each major asset class are summarized in the following table: Target Long -Term Expected Asset Class Allocation Real Rate of Return Domestic Equity International Stocks Bonds (Fixed Income) Alternative Assets (Private Markets) Cash Total F. DISCOUNT RATE 35.5% 5.10% 17.5% 5.30% 20.0% 0.75% 25.0% 5.90% 2.0% 0.00% 100% The discount rate used to measure the total pension liability in 2020 was 7.5%. The projection of cash flows used to determine the discount rate assumed that contributions from plan members and employers will be made at rates set in Minnesota Statutes. Based on that assumption, the fiduciary net position of the GERF and the PEPFF was projected to be available to make all projected future benefit payments of current plan members. Therefore, the long-term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to detennine the total pension liability. G. PENSION LIABILITY SENSITIVITY The following presents the City's proportionate share of the net pension liability for all plans it participates in, calculated using the discount rate disclosed in the preceding paragraph, as well as what the City's proportionate share of the net pension liability would be if it were calculated using a discount rate 1 percentage point lower or 1 percentage point higher than the current discount rate: 1% Decrease in 1% Increase in Discount Rate Discount Rate Discount Rate (6.5%) (7.5%) (8.5%) City's proportionate share of the GERF net pension liability $ 5,601,836 $ 3,495,351 $ 1,757,671 City's proportionate share of the PEPFF net pension liability 538,571 270,212 48,192 H. PENSION PLAN FIDUCIARY NET POSITION Detailed information about each pension plan's fiduciary net position is available in a separately issued PERA financial report that includes financial statements and required supplementary information. That report may be obtained at www.mnpera.org. 1. PENSION EXPENSE Pension expense recognized by the City for the fiscal year ended December 31, 2020 is as follows: 67 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 GERF $ 148,117 PEPFF 5,862 Total $ 153,979 For the governmental activities, pension liabilities are generally liquidated by the General and Special Revenue Funds. Note 9. 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 October 9, 1979 and operates under the provisions of Minnesota Statutes 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, Finance Manager 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 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 NW, Andover, Minnesota 55304. 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 Section 424A. The City receives the State aid contribution and is required by state statutes to pass this through as payment to the Association. This transaction is recorded as revenue and expenditure in the City's financial statements. Contributions for the last three years are as follows: Year Ending City State Total 12/31/2018 S 55,000 S 176,391 $ 231,391 12/31/2019 - 191,102 181,102 12/31/2020 55,000 194,699 249,699 68 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Note Hl OTHER POST EMPLOYMENT BENEFITS (OPEB) A. PLAN DESCRIPTION In addition to providing the pension benefits described in Note 8, the City provides post -employment health care benefits (as defined in paragraph B) for retired employees through a single employer defined benefit plan. The term plan refers to the City's requirement by State Statute to provide retirees with access to health insurance. The OPEB plan is administered by the City. The authority to provide these benefits is established in Minnesota Statutes Sections 471.61 Subd. 2a, and 299A.465. The benefits, benefit levels, employee contributions and employer contributions are governed by the City and can be amended by the City through its personnel manual and collective bargaining agreements with employee groups. The Plan is not accounted for as a trust fund, as an irrevocable trust has not been established to account for the plan. The Plan does not issue a separate report. B. BENEFITS PROVIDED Retirees The City is required by State Statute to allow retirees to continue participation in the City's group health insurance plan if the individual terminates service with the City through service retirement or disability retirement. Employees who satisfy the Rule of 90 or attain age 55 and have completed 10 years of service at termination can immediately commence medical benefits. Retirees may obtain dependent coverage while the participating retiree is under age 65. Covered spouses may continue coverage after the retiree's death. The surviving spouse of an active employee may continue coverage in the group health insurance plan after the employee's death. All health care coverage is provided through the City's group health insurance plan. The retiree is required to pay 100% of their premium cost for the City -sponsored group health insurance plan. The premium is a blended rate determined by the entire active and retiree population. Since the projected claims costs for retirees exceed the blended premium paid by retirees, the retirees are receiving an implicit rate subsidy (benefit). The coverage levels are the same as those afforded to active employees. Upon a retiree reaching age 65 years of age, Medicare becomes the primary insurer and the City's plan becomes secondary. C. PARTICIPANTS As of the actuarial valuation dated December 2018, participants consisted of: Retirees and beneficiaries currently purchasing health insurance through the City 2 Active employees 48 Total 50 Participating employers 1 D. TOTAL OPEB LIABILITY AND CHANGES IN TOTAL OPEB LIABILITY The City's total OPEB liability of $380,848 was measured as of December 31, 2019 and was determined by an actuarial valuation using the alternative measurement method as of December 31, 2018. Changes in the total OPEB liability during 2020 were: 69 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Balance - beginning of year $ 338,296 Changes for the year: Service Cost 17,068 Interest 12,944 Changes of benefit terms - Differences between expected and actual experience - Changes in assumptions 25,462 Benefit payments (12,922) Net Changes 42,552 Balance - end of year $ 380,848 For governmental activities, OPEB liabilities are generally liquidated by the General and Special Revenue Funds. E. ACTUAL ASSUMPTIONS AND OTHER INPUTS The total OPEB liability in the December 31, 2019 actuarial valuation was detennined using the following actuarial assumptions and other inputs, applied to all periods included in the measurement, unless otherwise specified: Inflation 2.50% Salary increases 2.75% Discount rate 2.75% Investment rate of return 2.75% Healthcare cost trend rates 6.40% for FY2019, gradually decreasing over several decades to an ultimate rate of 4.00% in FY2075 and later years. Retirees' share of benefit -related costs 100% Since the plan is funded on a pay-as-you-go basis, both the discount rate and the investment rate of return was based an index rate for 20-year tax-exempt municipal bonds (Fidelity 20-Year Municipal G.O. AA index). Mortality rates were based on the RP-2014 mortality tables with projected mortality improvements based on scale MP-2017, and other adjustments. Based on past experience of the plan, 75% of future retirees are assumed to continue medical coverage until age 65. 50% of police/fire employees are assumed to retire at age 55, the balance at 65. 50% of other City employees are assumed to retire at age 62, the balance at age 65. F. SENSITIVITY OF THE TOTAL OPEB LIABILITY TO CHANGES IN THE DISCOUNT RATE The following presents the total OPEB liability of the City, as well as what the City's total OPEB liability would be if it were calculated using a discount rate that is 1 % lower (1.75%) or 1 % higher (3.75%) than the current rate: Total OPEB liability 1 % Decrease in 1 % Increase in Discount Rate Discount Rate Discount Rate (1.75%) (2.75%) (3.75%) 408,569 $ 380,848 $ 354,351 G. SENSITIVITY OF THE TOTAL OPEB LIABILITY TO CHANGES IN THE HEALTHCARE COST TREND RATES The following presents the total OPEB liability of the City, as well as what the City's total OPEB liability would be if it were calculated using healthcare cost trend rates that are 1 % lower or 1 % higher than the current rate: 70 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 l % Decrease in 1 % Increase in Healthcare Cost Healthcare Cost Healthcare Cost Trend Rate Trend Rate Trend Rate Total OPEB liability $ 339,202 $ 380,848 $ 429,582 H. OPEB EXPENSE AND DEFERRED OUTFLOWS AND INFLOWS OF RESOURCES RELATED TO OPEB For the year ended December 31, 2020, the City recognized $37,693 of OPEB expense. At December 31, 2020, the City reported deferred outflows and inflows of resources related to OPEB from the following sources: Deferred Outflows Deferred Inflows of Resources of Resources Contributions between measurement date and reporting date $ 17,781 S - $17,781 reported as deferred outflows of resources related to OPEB resulting from City contributions subsequent to the measurement date will be recognized as a reduction of the OPEB liability in the year ended December 31, 2021. Note 11 INTERFUND RECEIVABLES/PAYABLES. LOANS AND TRANSFERS The City made the following interfund transfers during the year: Transfer In Transfer Out Amount Purpose General Fund Water Fund $ 93,975 Admin allocation General Fund Sewer Fund 77,123 Admin allocation General Fund Storm Sewer Fund 19,590 Admin allocation Water Trunk CPF Water Fund 300,000 Replacement reserve Sewer Trunk CPF Sewer Fund 400,000 Replacement reserve Road & Bridge CPF General Fund 1,000,000 Road improvements Road & Bridge CPF Nonmajor Fund 5,700 Roadway degredation Water Fund Water Trunk Fund CPF 59,740 Debt service allocation Nonmajor Fund Water Fund 22,650 Debt service allocation Nonmajor Fund Sewer Fund 22,650 Debt service allocation Nonmajor Fund Storm Sewer Fund 23,500 Debt service allocation Nonmajor Fund Nonmajor Fund 175,146 Debt service allocation Nonmajor Fund Nonmajor Fund 88,476 Close Fund Nonmajor Fund Nonmajor Fund 300,000 Debt service allocation $ 2,588,550 Additionally, computer service fees paid by the Water, Sewer and Storm Sewer Enterprise Funds to the General Fund have been reclassified as transfers on the Government -Wide Statement of Activities as follows: Transfer In Transfer Out Governmental Activities $ 30,600 $ - Business -Type Activities - 30,600 Total $ 30,600 $ 30,600 71 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Note 12 TAX INCREMENT DISTRICTS The City is the administering authority for the following tax increment finance districts: Name of District: Type of District: Authorizing Law: Established: Duration of District: Original net tax capacity: Current net tax capacity: Tax Increment Financing District 1-5 Redevelopment M.S. Section 469 2012 Through 2039 $ 6,139 92,299 Cap turgid net tax capacity - retained by the City $ 86,160 Name of District: Tax Increment Financing District 1-6 Type of District: Redevelopment Authorizing Law: M.S. Section 469 Established: 2014 Duration of District: Through 2024 Original net tax capacity: $ 21,998 Current net tax capacity: 67,456 Captured net tax capacity - retained by the City $ 45,458 Note 13 CONTINGENCIES 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. The City also has a $2,500 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 is not aware of any existing or pending lawsuits, claims or other actions in which the City is a defendant. 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 72 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 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, 2020. 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 claim 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. E. TAX ABATEMENTS - PAY-AS-YOU-GO TAX INCREMENT The City provides tax abatements pursuant to Minnesota Statutes 469.174 to 469.1794 (Tax Increment Financing) through a pay- as-you-go note program. Tax increment financing (TIF) can be used to encourage private development, redevelopment, renovation and renewal, growth in low -to -moderate -income housing, and economic development within the City. TIF captures the increase in tax capacity and property taxes from development or redevelopment to provide funding for the related project. The City has one tax increment pay-as-you-go agreement. The agreement is not a general obligation of the City and is payable solely from available tax increment. Accordingly, this agreement is not reflected in the financial statements of the City. Details of the pay-as-you-go are as follows: TIF District 41-5, Arbor Oaks Project: Issued in 2012 in the principal sum of $540,000 with an interest rate of 5.00% per annum. Principal and interest shall be paid on August 1, 2014 and each February and August thereafter to and including February 1, 2029. Payments are payable solely from available tax increment derived from the developed/redeveloped property and paid to the City. The pay-as-you-go note provides for payment to the developer equal to 90% of all tax increment received in the prior six months. The payment reimburses the developer for street, utilities, right-of-way, land acquisition, and other public improvements. Principal and interest payments will be completed February 1, 2029. The City shall have no obligation to pay any unpaid balance of principal or accrued interest that may remain after the final payment on February 1, 2029. The current year abatement (TIF note payments) amounted to $68,648. At December 31, 2020, the principal amount outstanding on the note was $308,644. Note 14 DEFERRED 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 leery 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, 2020. Future scheduled tax levies for all bonds outstanding at December 31, 2020 totaled $51,184,812. 73 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 Note 15 FUND BALANCE A. CLASSIFICATIONS At December 31, 2020, a summary of the governmental fund balance classifications are as follows: 20t8A G.O. Capital 2019A G.O. Tax Water Sewer Road & improvement Abatement increment Other Trunk Trunk Bridge Plan Bonds Bonds Projects Governmental General CPF CPF CPF CPF CPF CPF Funds Total Nonspendable: Inventory $ 140,602 $ $ $ $ $ $ S 2,123 $ 142,725 Restricted for: Debt service - - - - - - - 2,099,876 2,099,876 Capital improvements - - - - 39,943 176,032 - 829,537 1,045,512 Tax increment - - - - - - 1,381,678 - 1,381,678 Public services 124,381 124,381 Total restricted 39,943 176,032 1,381,678 3.053,794 4,651,447 Committed to: Economic development - - - - - - - 153,980 153,980 City's mapping system - - - - - - - 192,283 192,283 Surface water mgmt. - - - - - - - 74,901 74,901 Public right of ways mgmt. - - - - - - - 81,743 81,743 Seal coating new dev. 5,155 5,155 Total committed 508,062 508,062 Assigned to: Water system - 5,902,419 - - - - - - 5,902,419 sanitary sewer system - - 9,079,582 - - - - - 8,079,582 Street rehabilitation - - - 8,804,203 - - - - 8,804,203 Development purposes - - - - - - - 1,204,326 t,204,326 Community center - - - - - - - 355,959 355,959 Forest resources programs - - - - - - - 5,335 5,335 Public services - - - - - - - 12,057 12,057 Park improvements - - - - - - - 721,300 721,300 Facilities management - - - - - - - 641852 643,852 Pedestrian trails - - - - - - - 11047 110,647 Capital improvements 14772,530 1,772,530 Total assigned 5,902.419 8,079,582 8,8044203 44826,006 27,612,210 Unassigned 9,5134916 9,513,916 Total $ 9,6544518 $ 5,902,419 $ 8,079,582 $ 8,8044203 $ 39,943 $ 176,032 $ 1,381,678 S 84389,985 $ 42,428,360 B. MINIMUM UNASSIGNED FUND BALANCE POLICY The City Council has formally adopted a policy regarding the minimum unassigned fund balance for the General Fund. The most significant revenue source of the General Fund is property taxes. This revenue source is received in two installments during the year- July and December. As such, it is the City's goal to begin each fiscal year with sufficient working capital to fund operations between each semi-annual receipt of property taxes. The policy established a year-end targeted unassigned fund balance amount for cash -flow timing needs in the range of 51-53% of the subsequent year's budgeted expenditures. At December 31, 2020, the unassigned fund balance of the General Fund targeted for cash -flow needs was 76% of the subsequent year's budgeted expenditures. Note 16 CONDUIT 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 finding 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. 74 CITY OF ANDOVER, MINNESOTA NOTES TO FINANCIAL STATEMENTS December 31, 2020 As of December 31, 2020, the following revenue bonds were outstanding Date of Original Outstanding Project Issue Issue Retired 12/31/2020 Presbyterian Homes of Andover, Inc. 11/l/2003 $13,145,000 $ (5,058,614) $ 8,086,386 YMCA of the Greater Twin Cities 12/l/2019 6,650,000 (590,000) 6,060,000 Note 17 OPERATING LEASES The City received revenue from agreements for the lease of space for antennas placed on the water tower and an emergency siren pole. The City also has leases with the Greater Minneapolis YMCA, Subway Real Estate, LLC for building space at the Andover YMCA Community Center and various tenants in three residential 4-plexes. Terms of each lease are as follows: Location Lessee 2020 Lease Annual Lease Expiration Renewal Amount Adjustment Factor Date Options City Hall water tower Sprint Nextel $ 31,827 3% annually 12/31/2022 3 - 5 year terms City Hall water tower T-Mobile USA, Inc 27,537 3% annually 12/31/2026 3 - 5 year terms City Hall water tower Verizon 29,725 3% annually 5/31/2024 3 - 5 year terms Emergency Siren Pole T-Mobile USA, Inc 14,000 $1,000 annual increase 9/22/2023 1 - 5 year term Andover YMCA Comm Ctr Greater Minneapolis YMCA 635,000 None 8/1/2035 N/A Rose Park water tower Sprint Nextel 19,018 3% annually 3/14/2021 N/A Rose Park water tower Verizon 25,478 3% annually 5/31 /2024 3 - 5 year terms Andover YMCA Comm Ctr Subway Real Estate, LLC 7,815 None 10/2/2021 1 - 3 year term 16 Rental Housing Units Various Tenants 96,900 None Monthly N/A Future minimum lease payments are unavailable at this time due to changing variables: CPI and the completion of the capital campaign for the community center. Note 18 RECENTLY ISSUED ACCOUNTING STANDARDS The Governmental Accounting Standards Board (GASB) recently approved the following statements which were not implemented for these financial statements: Statement No. 87 Leases. The provisions of this Statement are effective for reporting periods beginning after June 15, 2021. Statement No. 91 Conduit Debt Obligations. The provisions of this Statement are effective for reporting periods beginning after December 15, 2021. Statement No. 92 Omnibus 2020. The provisions of this Statement are effective for reporting periods beginning after June 15, 2021. Statement No. 93 Replacement oflnterbank Offered Rates. The provisions of this Statement contain multiple effective dates, the first being for reporting periods beginning after June 15, 2020. Statement No. 94 Public -Private and Public -Public Partnerships and Availability Payment Arrangements. The provisions of this Statement are effective for reporting periods beginning after June 15, 2022. Statement No. 96 Subscription -Based Information Technology Arrangements. The provisions of this Statement are effective for reporting periods beginning after June 15, 2022. The effect these standards may have on future financial statements is not determinable at this time, but it is expected that Statement No. 87 may have a material impact. 75 - This page intentionally left blank - ILO REQUIRED SUPPLEMENTARY INFORMATION 77 CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION Statement 9 BUDGETARY COMPARISON SCHEDULE - GENERAL FUND For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Variance with Final Budget - Budgeted Amounts 2020 Positive 2019 Original Final Actual (Negative) Actual Revenues: General property taxes $ 9,392,032 $ 9,392,032 $ 9,303,234 $ (88,798) $ 8,864,720 Licenses and permits 410,900 410,900 892,279 481,379 855,831 Intergovernmental 780,806 839,694 861,179 21,485 822,128 Charges for services 736,210 736,210 1,070,899 334,689 1,133,161 Fines 75,250 75,250 47,630 (27,620) 62,349 Investment income 75,000 75,000 148,974 73,974 208,958 Miscellaneous 133,850 133,850 172,062 38,212 184,558 Total revenues 11,604,048 11,662,936 12,496,257 833,321 12,131,705 Expenditures: Current: General government: Mayor and City council 108,315 108,315 95,519 12,796 99,001 Administration 227,334 227,334 187,757 39,577 211,898 Newsletter 25,000 25,000 22,156 2,844 25,022 Human resources 34,100 34,100 16,180 17,920 15,843 Legal 200,941 200,941 195,721 5,220 191,782 City clerk 170,000 170,000 166,221 3,779 160,184 Elections 69,994 99,182 91,643 7,539 20,452 Financial administration 308,356 308,356 294,502 13,854 280,198 Assessing 159,000 159,000 154,483 4,517 149,033 Information systems 194,725 194,725 187,703 7,022 169,828 Planning and zoning 490,296 490,296 453,133 37,163 412,282 Engineering 605,481 605,481 566,224 39,257 561,643 Facility management 674,134 640,134 475,086 165,048 543,318 Total general government 3,267,676 3,262,864 2,906,328 356,536 2,840,484 Public safety Police 3,245,518 3,245,518 3,114,623 130,895 3,183,610 Fire protection 1,517,670 1,522,370 1,508,852 13,518 1,391,251 Protective inspection 490,410 507,910 519,183 (11,273) 493,955 Civil defense 29,936 29,936 17,227 12,709 18,609 Animal control 5,950 5,950 2,347 3,603 4,367 Total public safety 5,289,484 5,311,684 5,162,232 149,452 5,091,792 Public works: Streets and highways 738,070 733,070 686,979 46,091 609,570 Snow and ice removal 631,937 631,937 496,668 135,269 703,647 Sheet signs 235,124 235,124 257,280 (22,156) 202,995 Traffic signals 40,000 40,000 23,044 16,956 26,421 Street lighting 220,900 220,900 186,392 34,508 178,320 Total public works $ 1,866,031 $ 1,861,031 $ 1,650,363 $ 210,668 $ 1,720,953 (Continued) 78 CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION BUDGETARY COMPARISON SCHEDULE - GENERAL FUND For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Expenditures: Current: (continued) Parks and recreation Recycling Unallocated Total current Capital outlay: General government Public works Parks and recreation Total capital outlay Total expenditures Revenues over (under) expenditures Other financing sources (uses): Transfers in Transfers out Proceeds from the sale of capital assets Total other financing sources (uses) Net increase (decrease) in fund balance Fund balance - January 1 Fund balance - December 31 Statement 9 (Continued) Variance with Final Budget - Budgeted Amounts 2020 Positive 2019 Original Final Actual (Negative) Actual $ 1,322,806 $ 1,414,306 $ 1,369,954 $ 44,352 $ 1,182,928 193,971 193,971 228,124 (34,153) 224,574 95,928 95,928 12,778 83,150 15,001 12,035,896 12,139,784 11,329,779 810,005 11,075,732 - - - - 4,082 - - - - 5,880 120,000 70,000 66,099 3,901 14,404 120,000 70,000 66,099 3,901 24,366 12,155,896 12,209,784 11,395,878 813,906 11,100,098 (551,848) (546,848) 1,100,379 1,647,227 1,031,607 190,688 190,688 190,688 - (1,000,000) (1,000,000) 190,688 (809,312) (809,312) $ (361,160) $ (1,356,160) 291,067 See accompanying notes to the required supplementary information. 9,363,451 $ 9,654,518 $ 1,647,227 188,008 7,500 195,508 1,227,115 8,136,336 $ 9,363,451 79 CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION SCHEDULE OF CHANGES IN THE TOTAL OPEB LIABILITY AND RELATED RATIOS For the Last Ten Years Total OPEB liability: Service cost Interest Changes of benefit terms Differences between expected and actual experience Changes in assumptions Benefit payments Net change in total OPEB liability Total OPEB liability - beginning Total OPEB liability - ending Covered -employee payroll Total OPEB liability as a percentage of covered -employee payroll Statement 10 2018 2019 2020 $ 14,090 $ 16,135 $ 17,068 10,482 10,008 12,944 - 28,866 - 11,969 3,219 25,462 (5,813) (12,311) (12,922) 30,728 45,917 42,552 261,651 292,379 338,296 $ 292,379 $ 338,296 $ 380,848 $ 4,469,146 $ 4,620,961 $ 4,562,782 6.5% 7.3% 8.3% See accompanying notes to the required supplementary information. The schedule is provided prospectively beginning with the City's fiscal year ended December 31, 2018 and is intended to show a ten year trend. Additional years will be added as they become available. 80 CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION SCHEDULE OF PROPORTIONATE SHARE OF NET PENSION LIABILITY* GENERAL EMPLOYEES RETIREMENT FUND For the Last Ten Years Measurement Fiscal Year Date Ending June 30 December 31 2015 2016 2017 2018 2019 2020 2015 2016 2017 2018 2019 2020 Statement I I City's States Proportionate Share City's Proportionate of the Net Pension Proportionate City's City's Share (Amount) Liability and the Share of the Proportionate Proportionate of the Net State's Proportionate Net Pension Plan Fiduciary Share Share (Amount) Pension Share of the Net Liability as a Net Position as (Percentage) of of the Net Liability Pension Liability Percentage of its a Percentage the Net Pension Pension Associated with Associated with Covered Covered of the Total Liability Liability (a) City (b) City (a + b) Payroll (c) Payroll (a+blc) Pension Liability 0.0609% $ 3,156,154 $ - $ 3,156,154 $ 3,578,755 88.2% 78.2% 0.0590% 4,790,507 62,597 4,853,104 3,623,880 133.9% 68.9% 0.0594% 3,792,057 47,673 3,839,730 3,825,146 100.4% 75.9% 0.0587% 3,256,435 106,772 3,363,207 3,944,067 85.311,, 79.5% 0.0576% 3,184,575 98,996 3,283,571 4,076,586 80.50/,, 80.2% 0.0583% 3,495,351 107,788 3,603,139 4,156,037 86.7°/,, 79.1% See accompanying notes to the required supplementary information. * The schedule is provided prospectively beginning with the City's fiscal year ended December 31, 2015 and is intended to show a ten year trend. Additional years will be reported as they become available. 81 CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION SCHEDULE OF PENSION CONTRIBUTIONS* GENERAL EMPLOYEES RETIREMENT FUND For the Last Ten Years Statutorily Contributions in Contribution Required Relation to the Deficiency Covered Fiscal Year Contribution Statutorily Required (Excess) Payroll Ending (a) Contribution (b) (a-b) (c) December 31, 2015 $ 268,490 S 268,490 S - S 3,579,867 December 31, 2016 283,158 283,158 - 3,775,440 December 31, 2017 284,139 284,139 - 3,788,520 December 31, 2018 301,507 301,507 - 4,020,093 December 31, 2019 310,033 310,033 - 4,133,993 December 31, 2020 317,872 317,872 - 4,238,286 See accompanying notes to the required supplementary information. * The schedule is provided prospectively beginning with the City's fiscal year ended December 31, 2015 and is intended to show a ten year trend. Additional years will be reported as they become available. Statement 12 Contributions as a Percentage of Covered Payroll (b/c) 7.5% 7.5% 7.5% 7.5% 7.5% 7.5% 82 CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION SCHEDULE OF PROPORTIONATE SHARE OF NET PENSION LIABILITY* PUBLIC EMPLOYEES POLICE AND FIRE FUND For the Last Ten Years Statement 13 Proportionate Proportionate Share Plan Fiduciary Proportion Share (Amount) of the Net Pension Net Position as (Percentage) of of the Net Liability as a a Percentage Measurement Fiscal Year the Net Pension Pension Covered Percentage of its of the Total Date Ending Liability Liability (a) Payroll (b) Covered Payroll (a/b) Pension Liability June 30, 2015 December 31, 2015 0.0210% $ 238,609 $ 194,274 122.8% 86.6% June 30, 2016 December 31, 2016 0.0280% 1,123,689 283,389 396.5% 63.9% June 30, 2017 December 31, 2017 0.0280% 378,033 287,895 131.3% 85.4% June 30, 2018 December 31, 2018 0.0267% 284,595 281,901 101.0% 88.8% June 30, 2019 December 31, 2019 0.0272% 289,571 287,498 100.7% 89.3% June 30, 2020 December 31, 2020 0.0205% 270,212 232,475 116.2% 87.2% See accompanying notes to the required supplementary information. * The schedule is provided prospectively beginning with the City's fiscal year ended December 31, 2015 and is intended to show a ten year trend. Additional years will be reported as they become available. 83 CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION SCHEDULE OF PENSION CONTRIBUTIONS* PUBLIC EMPLOYEES POLICE AND FIRE FUND For the Last Ten Years Statutorily Contributions in Contribution Required Relation to the Deficiency Covered Fiscal Year Contribution Statutorily Required (Excess) Payroll Ending (a) Contribution (b) (a-b) (c) December 31, 2015 $ 38,121 $ 38,121 $ - S 235,315 December 31, 2016 45,909 45,909 - 283,389 December 31, 2017 45,604 45,604 - 281,506 December 31, 2018 46,365 46,365 - 286,204 December 31, 2019 46,269 46,269 - 272,993 December 31, 2020 34,168 34,168 - 193,040 See accompanying notes to the required supplementary information. * The schedule is provided prospectively beginning with the City's fiscal year ended December 31, 2015 and is intended to show a ten year trend. Additional years will be reported as they become available. Statement 14 Contributions as a Percentage of Covered Payroll (b/c) 16.2% 16.2% 16.2% 16.2% 16.9% 17.7% 84 CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION NOTES TO REQUIRED SUPPLEMENTARY INFORMATION December 31, 2020 Note A 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. Final Over Budget Actual Budget General Fund: Current: Public Safety: Protective inspection $ 507,910 $ 519,183 $ 11,273 Public Works: Street signs 235,124 257,280 22,156 Recycling 193,971 228,124 34,153 Note B MODIFIED 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: l ) The City manages the eligible infrastructure capital assets using an asset management system with characteristics of (1) 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. 21) 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 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. In the fall of 2019, the City conducted a physical condition assessment of the streets and trails constructed since 1974. 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. Prior to 2013, the continuous scale was from 0 to 100 where 0 is assigned to the least acceptable physical condition and 100 is assigned to a new street or trail. Starting in 2013, the continuous scale was from 0 to 10, where 0 is assigned to the least acceptable physical condition and 10 is assigned the physical characteristics of a new street or trail. The following conditions were defined: 85 CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION NOTES TO REQUIRED SUPPLEMENTARY INFORMATION December 31, 2020 Prior to 2013 Current Condition Rating Scale Rating Scale Excellent 86 - 100 8 - 10 Very Good 71 - 85 7 - 7.9 Good 56 - 70 6 - 6.9 Fair 41 - 55 4 - 5.9 Poor 26 - 40 2 - 3.9 Very Poor 11 - 25 1 - 1.9 Substandard 0 - 10 0 - .9 As of December 31, 2020, the City's street and trail system was rated at an OCI index of 5.4 on the average with detail condition as follows: % of Street Condition and Trails Excellent to Good 59.5% Fair 31.0% Poor to Substandard 9.5% 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 $2,667,008 on street and trail maintenance for the year ending December 31, 2020. 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 $1,150,000. Maintenance Actual OCi Year Estimate Expenditures Rating 2011 $1,150,000 $ 1,770,980 83 2012 1,150,000 3,894,784 83 2013 1,150,000 2,471,123 6.9 2014 1,150,000 2,029,026 6.7 2015 1,150,000 1,114,900 6.7 2016 1,150,000 1,585,756 6.3 2017 1,150,000 3,548,327 6.4 2018 1,150,000 2,274,146 6A 2019 1,150,000 3,701,063 5.3 2020 1,150,000 2,667,008 5A 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. Note C OPEB INFORMATION No assets are accumulated in a trust that meets the criteria in paragraph 4 of GASB Statement No. 75 to pay related benefits. There are no factors that affect trends in the amounts reported, such as changes in benefit terms or assumptions. Note D PENSION INFORMATION PERA — General Employees Retirement Fund 2020 Changes in Actuarial Assumptions: 86 CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION NOTES TO REQUIRED SUPPLEMENTARY INFORMATION December 31, 2020 • The price inflation assumption was decreased from 2.50% to 2.25%. • The payroll growth assumption was decreased from 3.25% to 3.00%. • As recommended in the June 30, 2019 experience study, assumed salary increase rates were decreased 0.25% and assumed rates of retirement were changed resulting in more unreduced (normal) retirements and slightly fewer Rule of 90 and early retirements. Assumed rates of termination and disability were also changed. • The base mortality tables were changed from RP-2014 to Pub-2010 tables, with adjustments. • The mortality improvement scale was changed from Scale MP-2018 to Scale MP-2019. • The assumed spouse age difference was changed from two years older for females to one year older. • The assumed number of married male new retirees electing the 100% Joint & Survivor option changed from 35% to 45%. The assumed number of married female new retirees electing 100% Joint & Survivor option changed from 15% to 30%. The corresponding number of married new retirees electing the Life annuity option was adjusted accordingly. 2020 Changes in Plan Provisions: • Augmentation for current privatized members was reduced to 2.0% for the period July 1, 2020 through December 31, 2023 and 0.0% after. Augmentation was eliminated for privatizations occurring after June 30, 2020. 2019 Changes in Actuarial Assumptions: • The mortality projection scale was changed from MP-2017 to MP-2018. 2019 Changes in Plan Provisions: • The employer supplemental contribution was changed prospectively, decreasing from $31.0 million to $21.0 million per year. The State's special funding contribution was changed prospectively, requiring $16.0 million due per year through 2031. 2018 Changes in Actuarial Assumptions: • The mortality projection scale was changed from MP-2015 to MP-2017. • The assumed benefit increase was changed from 1.0 percent per year through 2044 and 2.5 percent per year thereafter to 1.25 percent per year. 2017 Changes in Actuarial Assumptions: • The Combined Service Annuity (CSA) loads were changed from 0.8 percent for active members and 60 percent for vested and non -vested members. The revised CSA loads are now 0.0 percent for active member liability, 15.0 percent for vested deferred member liability and 3.0 percent for non -vested deferred member liability. • The assumed post -retirement benefit increase rate was changed from 1.0% per year for all years to 1.0% per year through 2044 and 2.5 percent per year thereafter. 2016 Changes in Actuarial Assumptions: • The assumed post -retirement benefit increase rate was changed from 1.0% per year through 2035 and 2.5% per year thereafter to 1.0% per year for all future years. • The assumed investment return was changed from 7.9% to 7.5%. The single discount rate was changed from 7.9% to 7.5%. • Other assumptions were changed pursuant to the experience study dated June 30, 2015. The assumed future salary increases, payroll growth, and inflation were decreased by 0.25% to 3.25% for payroll growth and 2.5% for inflation. PERA - Public Employees Police and Fire 2020 Changes in Actuarial Assumptions: • The mortality projection scale was changed from MP-2018 to MP-2019. 2019 Changes in Actuarial Assumptions: • The mortality projection scale was changed from MP-2017 to MP-2018. 2019 Changes in Plan Provisions: • There have been no changes since the prior valuation. 2018 Changes in Actuarial Assumptions: • The mortality projection scale was changed from MP-2016 to MP-2017. 2017 Changes in Actuarial Assumptions: 87 CITY OF ANDOVER, MINNESOTA REQUIRED SUPPLEMENTARY INFORMATION NOTES TO REQUIRED SUPPLEMENTARY INFORMATION December 31, 2020 • The single discount rate was changed from 5.6 percent to 7.5 percent. • Assumed salary increases were changed as recommended in the June 30, 2016 experience study. The net effect is proposed rates that average 0.34 percent lower than the previous rates. • Assumed rates of retirement were changed, resulting in fewer retirements. • The Combined Service Annuity (CSA) load was 30 percent for vested and non -vested deferred members. The CSA has been changed to 33 percent for vested members and 2 percent for non -vested members. • The base mortality table for healthy annuitants was changed from the RP-2000 fully generational table to the RP-2014 fully generational table (with a base year of 2006), with male rates adjusted by a factor of 0.96. The mortality improvement scale was changed from Scale AA to Scale MP-2016. The base mortality table for disabled annuitants was changed from the RP- 2000 disabled mortality table to the mortality tables assumed for healthy retirees. • Assumed termination rates were decreased to 3.0 percent for the first three years of service. Rates beyond the select period of three years were adjusted, resulting in more expected terminations overall. • Assumed percentage of married female members was decreased from 65 percent to 60 percent. • Assumed age difference was changed from separate assumptions for male members (wives assumed to be three years younger) and female members (husbands assumed to be four years older) to the assumption that males are two years older than females. • The assumed percentage of female members electing Joint and Survivor annuities was increased. • The assumed post -retirement benefit increase rate was changed from 1.00 percent for all years to 1.00 percent per year through 2064 and 2.5 percent thereafter. 2016 Changes in Actuarial Assumptions: • The assumed post -retirement benefit increase rate was changed from 1.0% per year through 2037 and 2.5% per year thereafter to 1.0% per year for all future years. • The assumed investment return was changed from 7.9% to 7.5%. The single discount rate was changed from 7.9% to 5.6%. • The assumed future salary increases, payroll growth, and inflation were decreased by 0.25% to 3.25% for payroll growth and 2.5% for inflation. 88 COMBINING AND INDIVIDUAL FUND STATEMENTS AND SCHEDULES 89 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. '6Z1] CITY OF ANDOVER, MINNESOTA COMBINING BALANCE SHEET NONMAJOR GOVERNMENTAL FUNDS December 31, 2020 With Comparative Totals For December 31, 2019 Statement 15 Totals Special Debt Capital Nonmajor Governmental Funds Revenue Service Projects 2020 2019 Assets: Cash and investments $ 868,733 $ 2,021,047 $ 5,250,094 $ 8,139,874 $ 6,809,768 Cash and investments with escrow agent 126,682 - - 126,682 152,233 Accrued interest 4,274 3,157 22,402 29,833 30,261 Due from other governmental units - - 73,024 73,024 - Accounts receivable - net 204,184 - - 204,184 85,092 Property taxes receivable: Unremitted 1,153 75,672 15,973 92,798 20,475 Delinquent 466 26,721 6,692 33,879 24,694 Special assessments receivable: Deferred - - 95,792 95,792 98,260 Inventories - at cost 2,123 - - 2,123 1,957 Total assets $ 1,207,615 $ 2,126,597 $ 5,463,977 $ 8,798,189 $ 7,222,740 Liabilities, Deferred Inflows of Resources and Fund Balances Liabilities: Accounts payable $ 81,806 $ - $ 32,359 $ 114,165 $ 77,438 Deposits payable 1,865 - 11,777 13,642 19,623 Due to other governmental units 528 - 35,165 35,693 17,990 Salaries payable 14,176 - - 14,176 13,613 Unearned revenue 100,857 - - 100,857 58,142 Total liabilities 199,232 - 79,301 278,533 186,806 Deferred inflows of resources: Unavailable revenues 466 26,721 102,484 129,671 122,954 Fund balance (deficit) Nonspendable 2,123 - - 2,123 1,957 Restricted 124,391 2,099,976 829,537 3,053,794 1,542,268 Committed 508,062 - - 508,062 518,312 Assigned 373,351 - 4,452,655 4,826,006 4,850,443 Total fund balance (deficit) 1,007,917 2,099,976 5,282,192 8,389,985 6,912,980 Total liabilities, deferred inflows of resources, and fund balances (deficit) $ 1,207,615 $ 2,126,597 $ 5,463,977 $ 8,798,189 $ 7,222,740 M CITY OF ANDOVER, MINNESOTA COMBINING STATEMENT OF REVENUES, EXPENDITURES AND Statement 16 CHANGES IN FUND BALANCES NONMAJOR GOVERNMENTAL FUNDS For The Year Ended December 31, 2020 With Comparative Totals For The Year Ended December 31, 2019 Totals Special Debt Capital Nonmajor Governmental Funds Revenue Service Projects 2020 2019 Revenues: General property taxes $ 39,963 $ 3,076,966 $ 643,219 $ 3,760,148 $ 2,776,349 Intergovernmental 2,465,736 - 73,024 2,538,760 2,905 Special assessments - - 4,215 4,215 136,450 Charges for services 601,124 - - 601,124 808,476 Investment income 22,350 11,680 119,817 153,847 155,638 Miscellaneous: Park dedication fees - - 389,033 389,033 472,753 Rent 635,629 - - 635,629 636,803 Other 186,809 - 173,505 360,314 476,502 Total revenues 3,951,611 3,088,646 1,402,813 8,443,070 5,465,876 Expenditures: Current: General government 57,368 - 115,648 173,016 170,707 Public safety 501,520 - 90,491 592,011 4,237 Public works 70,311 - - 70,311 77,028 Parks and recreation 1,053,500 - 72,140 1,125,640 1,060,073 Economic development 1,846,024 - - 1,846,024 62,147 Capital outlay: General government - - 21,759 21,759 - Public safety 161,994 - 156,490 318,484 72,801 Public works - - 283,483 283,483 538,461 Parks and recreation 100,000 - 1,019,923 1,119,923 90,431 Economic development 30,151 - - 30,151 - Debt service: Principal retirement - 1,561,000 - 1,561,000 1,444,000 Interest - 1,290,844 - 1,290,844 568,864 Paying agent fees - 5,000 - 5,000 1,000 Total expenditures 3,820,868 2,856,844 1,759,934 8,437,646 4,089,749 Revenues over (under) expenditures 130,743 231,802 (357,121) 5,424 1,376,127 Other financing sources (uses): Transfers in - 520,446 111,976 632,422 547,602 Transfers out (305,700) (88,476) (175,146) (569,322) (305,800) Bonds issued - - 1,310,000 1,310,000 - Bond premium - - 95,481 95,481 - Proceeds from sale of capital assets - - 3,000 3,000 24,550 Total other financing sources (uses) (305,700) 431,970 1,345,311 1,471,581 266,352 Net increase (decrease) in fund balance (174,957) 663,772 988,190 1,477,005 1,642,479 Fund balance - January 1 1,182,874 1,436,104 4,294,002 6,912,980 5,270,501 Fund balance - December 31 $ 1,007,917 $ 2,099,876 $ 5,282,192 $ 8,389,985 $ 6,912,980 92 NONMAJOR SPECIAL REVENUE FUNDS The City of Andover had the following Special Revenue Funds during the year: EDA General - This fund was established to account for activities designed to promote quality economic development within the community. Community Center - This fund is used to account for the operations of the Andover YMCA/Community Center, particularly the ice arena, field house and concessions. The aquatic's portion of the Community Center is under the operations of the YMCA. Drainage and Mapper - This fund accounts for resources necessary to maintain existing maps and developing new maps and mapping systems for the City. LRRWMO - This fund is used to account for the City's involvement with the Lower Rum River Watershed Management Organization (LRRWMO). Fores - 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. Right -of -Way Management/Utility - This fund is used to account for activity associated with the management of the public right-of-ways. Charitable Gambling - This fund accounts for the 10% of net profits received from gambling activities by local non- profit organizations. According to state statute, all expenditures from this fund must be for public services and police, fire and other emergency or public safety -related services, equipment, and training, excluding pension obligations. Construction Seal Coatini4 - 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. CARES Grant - This fund accounts for the money distributed to local governments to assist with the financial strain of COVID-19. 93 CITY OF ANDOVER, MINNESOTA SUBCOMBINING BALANCE SHEET NONMAJOR SPECIAL REVENUE FUNDS December 31, 2020 With Comparative Totals For December 31, 2019 Drainage EDA Community and General Center Mapping LRRWMO Assets: Cash and investments $ 143,280 S 110,545 $ 191,434 S 74,096 Cash and investments with escrow agent - 126,682 - - Accrued interest 583 1,112 871 281 Accounts receivable - net 14,277 189,907 - - Property taxes receivable: Unremitted - - - 1,153 Delinquent - - - 466 Inventories - at cost - 2,123 - - Total assets $ 158,140 S 430,369 $ 192,305 $ 75,996 Liabilities, Deferred Inflows of Resources and Fund Balances Liabilities: Accounts payable $ 4,160 $ 56,435 $ 22 $ 230 Deposits payable - 1,865 - - Due to other governmental units - 528 - - Salaries payable - 13,459 - 399 Unearned revenue - - - - Total liabilities 4,160 72,287 22 629 Deferred inflows of resources: Unavailable revenues - - - 466 Fund balance (deficit): Nonspendable - 2,123 - - Restricted - - - - Committed 153,980 - 192,283 74,901 Assigned - 355,959 - - Total fund balance (deficit) 153,980 358,082 192,283 74,901 Total liabilities, deferred inflows of resources, and fund balances (deficit) S 158,140 $ 430,369 $ 192,305 $ 75,996 94 Statement 17 Right -of -Way Totals Management/ Charitable Construction Nonmajor Special Revenue Funds Forestry Utility Gambling Seal Coating 2020 2019 $ 5,335 $ 81,740 $ 156,693 $ 105,610 $ 868,733 $ 1,106,717 - - - - 126,682 152,233 - 352 673 402 4,274 6,061 - - - - 204,184 85,092 - - - - 1,153 407 - - - - 466 452 - - - - 2,123 1,957 $ 5,335 $ 82,092 $ 157,366 $ 106,012 $ 1,207,615 $ 1,352,919 $ - $ 31 $ 20,928 $ - $ 81,806 $ 60,225 - - - - 1,865 19,623 - - - - 528 17,990 - 318 - - 14,176 13,613 - - - 100,857 100,857 58,142 - 349 20,928 100,857 199,232 169,593 466 451) - - - - 2,123 1,957 - - 124,381 - 124,381 106,164 - 81,743 - 5,155 508,062 518,312 5,335 - 12,057 - 373,351 556,441 5,335 81,743 136,438 5,155 1,007,917 1,182,874 $ 5,335 $ 82,092 $ 157,366 $ 106,012 $ 1,207,615 $ 1,352,919 Nb7 CITY OF ANDOVER, MINNESOTA SUBCOMBINING STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES NONMAJOR SPECIAL REVENUE FUNDS For The Year Ended December 31, 2020 With Comparative Totals For The Year Ended December 31, 2019 Drainage EDA Community and General Center Mapping LRRWMO Revenues: General property taxes $ - $ - $ - $ 39,963 Intergovernmental - - - - Charges for services 26,005 513,765 21,853 - Investment income 2,435 6,793 4,148 1,336 Miscellaneous: Rent - 635,629 - - Other 443 110,781 - - Total revenues 28,883 1,266,968 26,001 41,299 Expenditures: Current: General government - - - - Public safety - - - - Public works - - 17,447 28,698 Parks and recreation - 1,053,500 - - Economic development 43,540 - - - Capital outlay: Public safety - - - - Parks and recreation - 100,000 - - Economic development 30,151 - - - Total expenditures 73,691 1,153,500 17,447 28,698 Revenues over (under) expenditures (44,808) 113,468 8,554 12,601 Other financing sources (uses): Transfers out - (300,000) - - Net increase (decrease) in fiord balance (44,809) (186,532) 9,554 12,601 Fund balance (deficit) - January 1 198,788 544,614 183,729 62,300 Fund balance (deficit) - December 31 $ 153,980 $ 358,082 $ 192,283 $ 74,901 96 Statement 18 Right -of -Way Totals Management/ Charitable Construction CARES Nonmajor Special Revenue Funds Forestry Utility Gambling Seal Coating Grant 2020 2019 $ - $ - $ 39,963 S 39,857 - - - - 2,465,736 2,465,736 - - 39,501 - - - 601,124 808,476 98 1,687 3,510 2,081 262 22,350 37,280 - - - - - 635,629 636,803 - - 75,585 - - 186,809 226,670 98 41,188 79,095 2,081 2,465,998 3,951,611 1,749,086 - - 57,368 - - 57,368 63,187 - - - - 501,520 501,520 - - 24,166 - - - 70,311 77,028 - - - - - 1,053,500 1,045,404 - - - - 1,802,484 1,846,024 62,147 - - - - 161,994 161,994 - - - - - - 100,000 2,000 - - - - - 30,151 - - 24,166 57,368 - 2,465,998 3,820,868 1,249,766 98 17,022 21,727 2,081 - 130,743 499,320 - (5,700) - - - (305,700) (305,800) 98 11,322 21,727 2,081 - (174,957) 193,520 5,237 70,421 114,711 3,074 - 1,182,874 989,354 $ 5,335 $ 81,743 $ 136,438 $ 5,155 $ - $ 1,007,917 $ 1,182,874 :syl - This page intentionally left blank - 98 NONMAJOR DEBT SERVICE FUNDS The City's Debt Service Funds account for four types of bonded indebtedness: • Certificates of Indebtedness • Capital Improvement Bonds • Abatement Bonds • Referendum Bonds Certificates of Indebtedness - (G.O. Equipment Certificates - 2014A, 2016A and 2020A) are repaid primarily from general property taxes. Capital Improvement Plan Bonds — (G.O. Capital Improvement Plan Bonds of 2018A) are repaid primarily from general property taxes. Abatement Bonds - (G.O. Abatement Bonds of 2012C and 2019A) are repaid from annual lease payments from the YMCA, Community Center operations and general property tax. Referendum Bonds — (Open Space Referendum Bonds of 2010A) are used to finance the purchase of land to remain as open space. 4*] CITY OF ANDOVER, MINNESOTA SUBCOMBINING BALANCE SHEET NONMAJOR DEBT SERVICE FUNDS December 31, 2020 With Comparative Totals For December 31, 2019 Assets: Cash and investments Accrued interest Property taxes receivable: Unremitted Delinquent Total assets Deferred Inflows of Resources and Fund Balances Deferred inflows of resources: Unavailable revenues Fund balance (deficit): Restricted Total deferred inflows of resources, and and fund balances (deficit) G.O. G.O. G.O. Capital G.O. Equipment Equipment Improvement Abatement Certificate Certificate Plan Bonds Bonds $ 172,429 $ 324,171 $ 336,638 $ 350,478 - 823 726 - 3,531 8,621 10,681 24,060 - 3,214 3,981 8,969 $ 175,960 $ 336,829 $ 352,026 $ 383,507 $ - $ 3,214 3,981 $ 8,969 175,960 333,615 348,045 374,538 $ 175,960 $ 336,829 $ 352,026 $ 383,507 100 Statement 19 G.O. Open Space Abatement Referendum Bonds Bonds Totals Nonmajor Debt Service Funds $ 560,822 $ 276,509 $ 2,021,047 $ 1,418,376 700 908 3,157 2,246 24,659 4,120 75,672 15,482 9,192 1,365 26,721 18,448 $ 595,373 $ 282,902 $ 2,126,597 $ 1,454,552 $ 9,192 $ 1,365 $ 26,721 $ 18,448 586,181 281,537 2,099,876 1,436,104 $ 595,373 $ 282,902 $ 2,126,597 $ 1,454,552 MCI CITY OF ANDOVER, MINNESOTA SUBCOMBINING STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES NONMAJOR DEBT SERVICE FUNDS For The Year Ended December 31, 2020 With Comparative Totals For The Year Ended December 31, 2019 G.O. G.O. G.O. G.O. Capital Equipment Equipment Equipment Improvement Certificate Certificate Certificate Plan Bonds 2014A 2016A 2020A 2018A Revenues: General property taxes S - S 142,775 S 348,540 S 431,794 Investment income - (296) 4,288 3,698 Total revenues - 142,479 352,828 435,492 Expenditures: Debt service: Principal retirement 275,000 131,000 - 95,000 Interest 2,750 3,791 19,213 356,131 Paying agent fees - 600 - 1,100 Total expenditures 277,750 135,391 19,213 442,231 Revenues over (under) expenditures (277,750) 7,088 333,615 (6,739) Other financing sources (uses): Transfers in - - - 45,300 Transfers out (88,476) - - - Total other financing sources (uses) (88,476) - - 45,300 Net increase (decrease) in fund balance (366,226) 7,088 333,615 38,561 Fund balance - January 1 366,226 168,872 - 309,484 Fund balance - December 31 S - $ 175,960 S 333,615 $ 348,045 102 Statement 20 G.O. G.O. Open Space Abatement Abatement Referendum Totals Bonds Bonds Bonds Nonmajor Debt Service Funds $ 972,704 $ 996,913 $ 184,240 S 3,076,966 S 2,097,563 (4,770) 5,372 3,388 11,680 7,066 967,934 1,002,285 187,628 3,088,646 2,104,629 910,000 - 160,000 1,561,000 1,444,000 305,981 590,150 12,828 1,290,844 568,864 1,100 1,100 1,100 5,000 1,000 1,217,081 591,250 173,928 2,856,844 2,013,864 (249,147) 411,035 13,700 231,802 90,765 300,000 175,146 - 520,446 300,000 - - - (88,476) - 300,000 175,146 - 431,970 300,000 50,853 586,181 13,700 663,772 390,765 323,685 - 267,837 1,436,104 1,045,339 $ 374,538 $ 586,181 $ 281,537 S 2,099,876 $ 1,436,104 - This page intentionally left blank - NONMAJOR CAPITAL PROJECTS FUNDS The City of Andover had the following Capital Projects Funds during the year: 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. Building Fund - This fund was established to account for miscellaneous building improvements for all facilities. 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. 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. Equipment Certificates 2020A - This fund was established to account for the purchase of capital equipment that was financed through the issuance of capital notes. Permanent Improvement Revolving - This fund serves as a long-term funding source for large capital improvement expenditures. ` 119 CITY OF ANDOVER, MINNESOTA SUBCOMBINING BALANCE SHEET NONMAJOR CAPITAL PROJECTS FUNDS December 31, 2020 With Comparative Totals For December 31, 2019 Capital Park Building Trail & Equipment Dedication Fund Transportation Reserve Assets: Cash and investments $ 645,174 $ 633,210 $ 110,134 $ 1,806,084 Accrued interest 2,866 1,840 513 7,727 Due from other governmental units 73,024 - - - Property taxes receivable: Unremitted 366 8,802 - 6,805 Delinquent 153 3,688 - 2,851 Special assessments receivable: Deferred - - - - Total assets $ 721,583 $ 647,540 $ 110,647 $ 1,823,467 Liabilities, Deferred Inflows of Resources and Fund Balances Liabilities: Accounts payable $ 130 $ - $ - $ 1,144 Deposits payable - - - 11,777 Due to other government units - - - 35,165 Total liabilities 130 - - 48,086 Deferred inflows of resources: Unavailable revenues 153 3,688 - 2,851 Fund balance (deficit): Restricted - - - - Assigned 721,300 643,852 110,647 1,772,530 Total fund balance (deficit) 721,300 643,852 110,647 1,772,530 Total liabilities, deferred inflows of resources, and fund balances (deficit) $ 721,583 $ 647,540 $ 110,647 $ 1,823,467 106 Statement 21 Equipment Permanent Totals Certificates Improvement Nonmajor Capital Projects Funds 2020A Revolving 2020 2019 $ 856,642 $ 1,198,850 $ 5,250,094 S 4,284,675 3,980 5,476 22,402 21,954 - - 73,024 - - - 15,973 4,586 - - 6,692 5,794 - 95,792 95,792 98,260 $ 860,622 $ 1,300,118 $ 5,463,977 S 4,415,269 $ 31,085 $ - $ 32,359 $ 17,213 - - 11,777 - - - 35,165 - 31,085 - 79,301 17,213 - 95,792 102,484 104,054 829,537 - 829,537 - - 1,204,326 4,452,655 4,294,002 829,537 1,204,326 5,282,192 4,294,002 $ 860,622 $ 1,300,118 $ 5,463,977 $ 4,415,269 `D]FA CITY OF ANDOVER, MINNESOTA SUBCOMBINING STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES NONMAJOR CAPITAL PROJECTS FUNDS For The Year Ended December 31, 2020 With Comparative Totals For The Year Ended December 31, 2019 Revenues: General property taxes Intergovernmental Special assessments Investment income Miscellaneous: Park dedication fees Other Total revenues Expenditures: Current: General government Public safety Parks and recreation Capital outlay: General government Public safety Public works Parks and recreation Total expenditures Revenues over (under) expenditures Other financing sources (uses): Capital Park Building Trail & Equipment Dedication Fund Transportation Reserve $ 14,722 S 354,450 $ - $ 274,047 73,024 - - - 12,873 11,501 2,801 37,894 389,033 - - - 12,739 - 116,880 43,886 502,391 365,951 119,681 355,827 - 66,730 - 48,918 - - - 52,275 8,955 - 10,695 52,490 - - - 21,759 - - - 58,068 - - - 703 336,246 273,478 90,209 134,634 345,201 340,208 100,904 368,847 157,190 25,743 18,777 (13,020) Transfers in - 88,476 - 23,500 Transfers out (175,146) - - - Bonds issued - - - - Bond premium - - - - Proceeds from sale of capital assets - - - 3,000 Total other financing sources (uses) (175,146) 88,476 - 26,500 Net increase (decrease) in fund balance (17,956) 114,219 18,777 13,480 Fund balance (deficit) - January 1 739,256 529,633 91,870 1,759,050 Fund balance (deficit) - December 31 $ 721,300 $ 643,852 $ 110,647 $ 1,772,530 108 Statement 22 Equipment Permanent Totals Certificates Improvement Nonmajor Capital Projects Funds 2020A Revolving 2020 2019 $ 643,219 $ 638,929 - - 73,024 2,905 - 4,215 4,215 136,450 28,830 25,919 119,817 111,292 - - 389,033 472,753 - - 173,505 249,832 28,830 30,133 1,402,813 1,612,161 - - 115,648 107,520 38,216 - 90,491 4,237 - - 72,140 14,669 - - 21,759 - 98,422 - 156,490 72,801 282,780 - 283,483 538,461 185,356 - 1,019,923 88,431 604,774 - 1,759,934 826,119 (575,944) 30,133 (357,121) 786,042 - - 111,976 247,602 - - (175,146) - 1,310,000 - 1,310,000 - 95,481 - 95,481 - - - 3,000 24,550 1,405,481 - 1,345,311 272,152 829,537 30,133 988,190 1,058,194 - 1,174,193 4,294,002 3,235,809 $ 829,537 $ 1,204,326 $ 5,282,192 $ 4,294,002 iM CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - EDA GENERAL Statement 23 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES 1N FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Variance with Final Budget - Budgeted Amounts 2020 Positive 2019 Original Final Actual (Negative) Actual Revenues: Charges for services $ 7,000 $ 7,000 S 26,005 $ 19,005 $ 7,096 Investment income 2,000 2,000 2,435 435 6,231 Miscellaneous - - 443 443 177 Total revenues 9,000 9,000 28,883 19,883 13,504 Expenditures: Current: Economic development 102,078 71,927 43,540 28,387 62,147 Capital outlay: Economic development - 30,151 30,151 - - Total expenditures 102,078 102,078 73,691 28,387 62,147 Net increase (decrease) in fund balance $ (93,078) $ (93,078) (44,808) $ 48,270 (48,643) Fund balance (deficit) - January 1 198,788 247,431 Fund balance (deficit) - December 31 $ 153,980 $ 198,788 110 CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - COMMUNITY CENTER SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Revenues: Charges for services Investment income Miscellaneous: Rent Other Total revenues Expenditures: Current: Parks and recreation Capital outlay: Parks and recreation Total expenditures Revenue over (under) expenditures Other financing sources (uses) Transfers out Net increase (decrease) in fund balance Fund balance (deficit) - January 1 Fund balance (deficit) - December 31 Statement 24 Variance with Final Budget - Budgeted Amounts 2020 Positive 2019 Original Final Actual (Negative) Actual $ 752,300 $ 752,300 $ 513,765 $ (238,535) $ 722,177 - - 6,793 6,793 16,107 638,000 638,000 635,629 (2,371) 636,803 140,000 140,000 110,781 (29,219) 131,386 1,530,300 1,530,300 1,266,968 (263,332) 1,506,473 1,315,471 1,315,471 1,053,500 261,971 1,045,404 130,000 130,000 100,000 30,000 2,000 1,445,471 1,445,471 1,153,500 291,971 1,047,404 84,829 84,829 113,468 28,639 459,069 (300,000) (300,000) (300,000) - $ (215,171) $ (215,171) (186,532) $ 28,639 544,614 $ 358,082 (300,000) 159,069 385,545 $ 544,614 HE CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - DRAINAGE AND MAPPING SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES 1N FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Revenues: Charges for services Investment income Total Revenues Expenditures: Current: Public works Net increase (decrease) in fund balance Fund balance (deficit) - January 1 Fund balance (deficit) - December 31 Statement 25 Variance with Final Budget - Budgeted Amounts 2020 Positive 2019 Original Final Actual (Negative) Actual $ 8,000 $ 8,000 $ 21,853 $ 13,853 $ 31,951 1,200 1,200 4,148 2,948 5,414 9,200 9,200 26,001 16,801 37,365 24,500 24,500 17,447 7,053 12,198 $ (15,300) $ (15,300) 8,554 $ 23,854 25,167 183,729 $ 192,283 158,562 $ 183,729 112 CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - LRRWMO Statement 26 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES 1N FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Variance with Final Budget - Budgeted Amounts 2020 Positive 2019 Original Final Actual (Negative) Actual Revenues: General property taxes $ 40,000 $ 40,000 $ 39,963 $ (37) $ 39,857 Investment income 200 200 1,336 1,136 1,897 Total revenues 40,200 40,200 41,299 1,099 41,754 Expenditures: Current: Public works 28,840 28,840 28,698 142 23,765 Net increase (decrease) in fund balance $ 11,360 $ 11,360 12,601 $ 1,241 17,989 Fund balance (deficit) - January 1 62,300 44,311 Fund balance (deficit) - December 31 $ 74,901 $ 62,300 113 CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - FORESTRY Statement 27 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES 1N FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Variance with Final Budget - Budgeted Amounts 2020 Positive 2019 Original Final Actual (Negative) Actual Revenues: Intergovernmental $ 12,500 $ 12,500 S - $ (12,500) $ - Investment income 50 50 98 48 105 Total revenues 12,550 12,550 98 (12,452) 105 Expenditures: Current: Public works 15,000 15,000 - 15,000 - Net increase (decrease) in fund balance $ (2,450) $ (2,450) 98 $ 2,548 105 Fund balance (deficit) - January 1 5,237 5,132 Fund balance (deficit) - December 31 $ 5,335 $ 5,237 114 CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - RIGHT-OF-WAY MANAGEMENT/UTILITY Statement 28 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES 1N FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Variance with Final Budget - Budgeted Amounts 2020 Positive 2019 Original Final Actual (Negative) Actual Revenues: Charges for services $ 20,000 $ 20,000 S 39,501 $ 19,501 $ 37,807 Investment income 500 500 1,687 1,187 1,889 Total revenues 20,500 20,500 41,188 20,688 39,696 Expenditures: Current: Public works 26,144 26,144 24,166 1,978 21,997 Revenue over (under) expenditures (5,644) (5,644) 17,022 22,666 17,699 Other financing sources (uses Transfers out (5,700) (5,700) (5,700) - Net increase (decrease) in fund balance $ (11,344) $ (11,344) 11,322 $ 22,666 Fund balance (deficit) - January 1 70,421 Fund balance (deficit) - December 31 $ 81,743 (5,800) 11,899 58,522 $ 70,421 115 CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - CHARITABLE GAMBLING SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES 1N FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Revenues: Investment income Miscellaneous Total revenues Expenditures: Current: General government Net increase (decrease) in fund balance Fund balance (deficit) - January 1 Fund balance (deficit) - December 31 Statement 29 Variance with Final Budget - Budgeted Amounts 2020 Positive 2019 Original Final Actual (Negative) Actual $ 750 $ 750 $ 3,510 $ 2,760 $ 2,731 30,000 30,000 75,585 45,585 95,107 30,750 30,750 79,095 48,345 97,838 30,000 30,000 57,368 (27,368) 63,187 $ 750 $ 750 21,727 $ 20,977 34,651 114,711 $ 136,438 80,060 $ 114,711 116 CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - CONSTRUCTION SEAL COATING Statement 30 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES 1N FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Variance with Final Budget - Budgeted Amounts 2020 Positive 2019 Original Final Actual (Negative) Actual Revenues: Charges for services $ 10,000 $ 10,000 S - $ (10,000) $ 9,445 Investment income 500 500 2,081 1,581 2,906 Total revenues 10,500 10,500 2,081 (8,419) 12,351 Expenditures: Current: Public works 10,000 10,000 Net increase (decrease) in fund balance $ 500 $ 500 Fund balance (deficit) - January 1 Fund balance (deficit) - December 31 - 10,000 19,068 2,081 $ 1,581 (6,717) 3,074 9,791 $ 5,155 $ 3,074 117 CITY OF ANDOVER, MINNESOTA SPECIAL REVENUE FUND - CARES GRANT Statement 31 SCHEDULE OF REVENUES, EXPENDITURES AND CHANGES 1N FUND BALANCES - BUDGET AND ACTUAL For The Year Ended December 31, 2020 With Comparative Actual Amounts For The Year Ended December 31, 2019 Variance with Final Budget - Budgeted Amounts 2020 Positive 2019 Original Final Actual (Negative) Actual Revenues: Intergovernmental $ - $ 2,465,736 S 2,465,736- Investment income - 264 262 (2) - Total revenues - 2,466,000 2,465,998 (2) - Expenditures: Current: Public safety - 501,572 501,520 52 - Economic development - 1,802,494 1,802,484 - - Capital outlay: Public safety - 161,944 161,994 (50) - Total expenditures - 2,466,000 2,465,998 2 - Net increase (decrease) in fund balance $ - $ - - Fund balance (deficit) - January 1 - - Fund balance (deficit) - December 31 $ 118 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. M11 CITY OF ANDOVER, MINNESOTA COMBINING STATEMENT OF NET POSITION INTERNAL SERVICE FUNDS December 31, 2020 With Comparative Totals for December 31, 2019 Assets: Current assets: Cash and cash equivalents Accrued interest Accounts receivable Inventories - at cost Total assets Liabilities: Current liabilities: Accounts payable Salaries payable Total liabilities Net position: Unrestricted Central Equipment Risk Management Statement 32 Totals 2020 2019 $ 314,291 $ 643,122 $ 957,413 $ 1,009,554 1,651 2,637 4,288 5,783 - - - 4,628 91,683 - 91,683 84,553 407,625 645,759 1,053,384 1,104,518 26,892 250 27,142 34,962 9,880 515 10,395 7,417 36,772 765 37,537 42,379 $ 370,853 $ 644,994 $ 1,015,847 $ 1,062,139 120 CITY OF ANDOVER, MINNESOTA COMBINING STATEMENT OF REVENUES, EXPENSES AND CHANGES IN NET POSITION INTERNAL SERVICE FUNDS For The Year Ended December 31, 2020 With Comparative Totals For The Year Ended December 31, 2019 Statement 33 Central Equipment Risk Totals Maintenance Management 2020 2019 Operating revenues: User charges S 733,944 $ 483,335 $ 1,217,279 $ 1,174,617 Other 10,962 61,367 72,329 22,606 Total operating revenues 744,906 544,702 1,289,608 1,197,223 Operating expenses: Personal services 339,196 191,357 530,553 494,324 Supplies 303,348 32,503 335,851 391,124 Other service charges 159,156 327,545 486,701 385,860 Total operating expenses 801,700 551,405 1,353,105 1,271,308 Operating income (loss) (56,794) (6,703) (63,497) (74,085) Nonoperating revenues (expenses): Investment income 7,040 10,165 17,205 29,809 Change in net position (49,754) 3,462 (46,292) (44,276) Net position - January 1 420,607 641,532 1,062,139 1,106,415 Net position - December 31 $ 370,853 $ 644,994 $ 1,015,847 $ 1,062,139 121 CITY OF ANDOVER, MINNESOTA COMBINING STATEMENT OF CASH FLOWS INTERNAL SERVICE FUNDS For The Year Ended December 31, 2020 With Comparative Totals For The Year Ended December 31, 2019 Cash flows from operating activities: Receipts from customers and users Payment to suppliers Payment to employees Net cash flows from operating activities Cash flows from investing activities: Investment income Net increase (decrease) in cash and cash equivalents Cash and cash equivalents - January 1 Cash and cash equivalents - December 31 Reconciliation of operating income to net cash provided (used) by operating activities: Operating income (loss) Adjustments to reconcile operating income (loss) to net cash flows from operating activities: Changes in assets and liabilities: Decrease (increase) in accounts receivable Decrease (increase) in inventory Increase (decrease) in accounts payable Increase (decrease) in salaries payable Total adjustments Net cash provided (used) by operating activities Central Equipment Risk Maintenance Management Statement 34 Totals 2020 2019 $ 744,906 $ 549,330 $ 1,294,236 $ 1,198,247 (466,217) (371,285) (837,502) (731,277) (336,356) (191,219) (527,575) (492,955) (57,667) (13,174) (70,841) (25,985) 7,773 10,927 18,700 29,592 (49,894) (2,247) (52,141) 3,607 364,185 645,369 1,009,554 1,005,947 $ 314,291 $ 643,122 $ 957,413 $ 1,009,554 $ (56,794) $ (6,703) $ (63,497) $ (74,085) 4,628 4,628 1,024 (7,130) - (7,130) 28,027 3,417 (11,237) (7,820) 17,680 2,840 138 2,978 1,369 (873) (6,471) (7,344) 48,100 $ (57,667) $ (13,174) $ (70,841) $ (25,985) 122 III. STATISTICAL SECTION This part of the City of Andover's comprehensive annual financial report presents detailed information as a context for understanding what the infonmation in the financial statements, note disclosures, and required supplementary information says about the City's overall financial health. Contents Page Financial Trends 124 These tables contain trend information to help the reader understand how the City's financial performance and well-being have changed over time. Revenue Capacity 134 These tables contain information to help the reader assess the City's most significant local revenue source, the property tax. Debt Capacity 140 These tables present information to help the reader assess the affordability of the City's current levels of outstanding debt and the City's ability to issue additional debt in the future. Demographic and Economic Information 148 These tables offer demographic and economic indicators to help the reader understand the environment within which the City of Andover's financial activities take place. Operating Information 151 These tables contain service and infrastructure data to help the reader understand how the information in the City's financial report relates to the services the City provides and the activities it performs. 123 CITY OF ANDOVER, MINNESOTA NET POSITION BY COMPONENT Last Ten Fiscal Years (accrual basis of accounting) Governmental Activities Net investment in capital assets Restricted Unrestricted Total governmental activities net position Business -Type Activities Net investment in capital assets Unrestricted Total business -type activities net position Primary Government Net investment in capital assets Restricted Unrestricted Total primary government net position 2011 2012 2013 2014 S 90,859,970 S 89,592,661 S 93,393,474 $ 94,533,473 3,107,253 4,461,020 3,792,323 4,776,047 23,353,009 25,589,728 22,936,032 23,175,077 117,320,232 119,643,409 120,121, 829 122,484,597 36,031,319 34,922,691 34,864,659 34,787,382 41,131,947 40,707,004 41,175,489 41,080,232 126,891,289 124,515,352 128,258,133 129,320,855 3,107,253 4,461,020 3,792,323 4,776,047 28,453,637 31,374,041 29,246,862 29,467,927 $ 158,452,179 $ 160,350,413 $ 161,297,318 $ 163,564,829 GASB 68 was implemented in 2015. Net position was restated for 2014 to reflect the reporting of net pension liability and pension related deferred outflows and inflows of resources. Net position for years prior to 2014 were not restated. 124 Table 1 2015 2016 2017 2018 2019 2020 5,755,162 5,787,072 4,935,375 5,081,230 5,294,610 3,851,631 24,457,253 26,085,240 27,673,920 28,319,303 30,608,612 35,974,899 126,210,442 131,412,150 134,211,942 136,978,057 142,540,658 154,267,817 131,505,412 137,071,653 138,777,464 140,646,223 145,185,050 154,783,340 5,755,162 5,787,072 4,935,375 5,081,230 5,294,610 3,851,631 31,461,816 33,737,579 36,120,862 38,144,984 40,591,162 46,998,078 $ 168,722,390 $ 176,596,304 $ 179,833,701 $ 183,872,437 $ 191,070,822 $ 205,633,049 iPR CITY OF ANDOVER, MINNESOTA CHANGES IN NET POSITION Last Ten Fiscal Years (accrual basis of accounting) 2011 2012 2013 2014 Expenses Governmental activities: General government $ 2,406,750 $ 2,453,801 $ 3,061,867 $ 2,791,507 Public safety 4,214,316 4,325,531 4,495,447 4,747,142 Public works 4,029,164 5,623,942 4,465,153 4,430,295 Parks and recreation 2,945,742 3,102,534 3,029,917 3,229,894 Recycling 109,293 94,319 124,515 111,760 Economic development 777,298 1,396,466 318,646 676,039 Interest on long-term debt 1,796,782 2,497,344 1,399,172 542,139 Total governmental activities expenses 16,279,345 19,493,937 16,894,717 16,528,776 Business -type activities Water 2,655,926 2,782,948 2,275,363 2,308,552 Sewer 1,914,113 1,842,473 1,964,911 1,951,785 Storm sewer 614,958 531,103 561,807 848,745 Total business -type activities expenses 5,184,997 5,156,524 4,802,081 5,109,082 Total primary government expenses $ 21,464,342 $ 24,650,461 $ 21,696,798 $ 21,637,858 Program Revenues Governmental activities: Charges for services: General government $ 532,764 $ 690,875 $ 843,304 $ 801,458 Public safety 540,089 607,715 704,119 492,665 Public works 309,066 308,583 321,114 318,018 Parks and recreation 1,498,847 1,495,872 1,463,579 1,545,794 Recycling 48,339 39,530 42,544 41,440 Economic development 235,134 170,391 239,570 96,772 Operating grants and contributions 977,553 1,358,424 1,119,778 946,540 Capital grants and contributions 1,356,091 2,774,126 1,425,815 4,677,704 Total governmental activities program revenue 5,497,883 7,445,516 6,159,823 9,920,391 Business -type activities: Charges for services: Water 2,119,954 2,572,560 2,495,561 2,347,763 Sewer 1,990,218 2,063,177 2,065,467 2,117,624 Storm sewer 358,708 379,262 399,417 421,056 Operating grants and contributions - - - 9,506 Capital grants and contributions - - - 990,412 Total business -type activities program revenue 4,468,880 5,014,999 4,960,445 5,886,361 Total primary government program revenues 9,966,763 12,460,515 11,120,268 14,806,752 Net (Expense)/Revenue Governmental activities (10,781,462) (12,048,421) (10,734,894) (7,608,385) Business -type activities (716,117) (141,525) 158,364 777,279 Total primary government net expense $ (11,497,579) $ (12,189,946) $ (10,576,530) $ (6,831,106) 126 Table 2 $ 2,823,408 $ 2,904,102 $ 2,937,380 $ 3,209,512 $ 3,159,045 $ 3,193,326 4,774,033 5,140,347 5,167,930 5,263,071 5,426,472 6,002,090 2,967,957 3,905,703 5,428,350 4,257,014 5,939,704 4,964,909 3,340,561 3,321,814 3,385,001 3,321,793 3,507,705 3,997,558 98,016 133,614 169,100 206,335 231,625 234,475 192,265 411,958 1,098,300 249,669 202,182 4,240,712 454,808 437,513 403,200 377,314 917,913 1,226,839 14,651,048 16,255,051 18,589,261 16,884,708 19,384,646 23,859,909 2,316,651 2,454,931 2,263,748 2,306,013 2,280,247 2,449,287 2,002,623 2,128,814 2,190,453 2,175,331 2,289,555 2,454,250 595,902 546,526 684,708 614,816 737,854 617,883 4,915,176 5,130,271 5,138,909 5,096,160 5,307,656 5,521,420 $ 19,566,224 $ 21,385,322 $ 23,728,170 $ 21,980,868 $ 24,692,302 $ 29,381,329 $ 1,381,113 $ 2,124,665 $ 925,639 $ 647,452 $ 909,139 $ 757,188 624,430 832,412 680,729 721,078 1,091,260 1,154,232 298,143 661,788 334,273 331,620 357,231 296,533 1,514,900 1,521,585 1,465,562 1,504,647 1,677,991 1,301,624 32,976 42,768 43,062 49,453 44,099 48,705 50,628 174,754 461,294 87,891 96,176 126,596 965,986 992,194 1,186,721 1,407,217 1,662,842 3,453,564 863,155 2,703,429 3,414,161 1,608,129 4,950,131 12,006,951 5,731,331 9,053,595 8,511,441 6,357,487 10,788,869 19,145,393 2,593,303 2,575,920 2,716,239 3,061,920 2,756,944 3,349,237 2,129,201 2,144,794 2,301,077 2,325,456 2,329,462 2,355,039 444,335 464,928 499,974 537,422 564,154 594,524 - 2,681 - - - - 1,524,088 2,670,641 481,343 504,267 712,976 2,807,445 6,690,927 7,858,964 5,998,633 6,429,065 6,363,536 9,106,245 12,422,258 16,912,559 14,510,074 12,786,552 17,152,405 28,251,638 (8,919,717) (7,201,456) (10,077,820) (10,527,221) (8,595,777) (4,714,516) 1,775,751 2,728,693 859,724 1,332,905 1,055,880 3,584,825 $ (7,143,966) $ (4,472,763) $ (9,218,096) $ (9,194,316) $ (7,539,897) $ (1,129,691) (Continued) iPJrA CITY OF ANDOVER, MINNESOTA CHANGES IN NET POSITION Last Ten Fiscal Years (accrual basis of accounting) General Revenues and Other Changes in Net Position Governmental activities: Taxes: General property taxes Tax increment collections Grants and contributions not restricted to specific programs Unrestricted investment earnings Gain on sale of capital assets Transfers Total governmental activities Business -type activities: Unrestricted investment earnings Gain on sale of capital assets Transfers Total business -type activities Total primary government Change in Net Position $ 10,292,674 $ 10,594,940 $ 10,608,678 $ 10,863,912 2,005,056 2,033,932 320,822 353,773 86,802 14,360 12,511 87,179 1,399,987 1,201,995 571,307 747,621 91,693 16,625 23,650 228,639 (417,051) 509,746 (323,654) 606,793 13,459,161 14,371,598 11,213,314 12,887,917 370,641 226,328 (21,533) 115,425 7,500 - 8,000 - 417,051 (509,746) 323,654 (606,793) 795,192 (283,418) 310,121 (491,368) $ 14,254,353 $ 14,088,180 $ 11,523,435 $ 12,396,549 Governmental activities $ 2,677,699 $ 2,323,177 $ 478,420 $ 5,279,532 Business -type activities 79,075 (424,943) 468,485 285,911 Total primary government $ 2,756,774 $ 1,898,234 $ 946,905 $ 5,565,443 GASB 68 was implemented in 2015. Expenses for years prior to 2015 were not restated. 128 Table 2 (Continued) $ 11,120,449 $ 11,770,304 $ 11,874,354 $ 12,423,060 $ 13,011,406 $ 14,479,488 210,625 69,772 74,771 82,874 89,414 100,979 15,327 16,260 13,638 12,917 14,053 4,129 348,885 399,021 373,585 560,133 1,346,685 930,876 548,950 20,360 20,489 36,431 24,550 3,000 401,326 127,447 520,775 177,921 (327,730) 923,203 12,645,562 12,403,164 12,877,612 13,293,336 14,158,378 16,441,675 57,291 68,768 65,801 117,637 236,356 173,446 - 2,192 32,855 - 15,818 - (401,326) (127,447) (520,775) (177,921) 327,730 (923,203) (344,035) (56,487) (422,119) (60,284) 579,904 (749,757) $ 12,301,527 $ 12,346,677 $ 12,455,493 $ 13,233,052 $ 14,738,282 $ 15,691,918 $ 3,725,845 $ 5,201,708 $ 2,799,792 $ 2,766,115 $ 5,562,601 $ 11,727,159 1,431,716 2,672,206 437,605 1,272,621 1,635,784 2,835,068 $ 5,157,561 $ 7,873,914 $ 3,237,397 $ 4,038,736 $ 7,198,385 $ 14,562,227 129 CITY OF ANDOVER, MINNESOTA FUND BALANCES - GOVERNMENTAL FUNDS Last Ten Fiscal Years (modified accrual basis of accounting) 2011 2012 2013 2014 General Fund Nonspendable $ 2221,641 $ 160,177 $ 106,445 $ 137,001 Unassigned 5,665,496 6,227,664 6,853,791 7,065,133 Total general fund 5,888,137 6,387,841 6,960,236 7,202,134 All Other Governmental Funds Nonspendable 16,074 1,471 1,316 1,562 Restricted 19,741,214 21,307,923 21,274,444 5,022,967 Committed 650,766 681,413 588,516 591,289 Assigned 14,451,306 16,420,228 13,481,786 16,095,395 Unassigned (517,251) (314,734) (276,829) (114,344) Total all other governmental funds 34,342,109 38,096,301 35,069,233 21,596,869 Total governmental funds $ 40,230,246 $ 44,484,142 $ 42,029,469 $ 28,799,003 In 2011, the City adopted the provisions of Governmental Accounting Standards Board Statement No. 54, Fund Balance Reporting and Governmental Fund Type Definitions. 130 Table 3 2015 2016 2017 2018 2019 2020 $ 131,813 $ 146,417 $ 117,253 $ 112,971 $ 122,993 $ 140,602 7,136,091 7,650,328 7,672,363 8,023,365 9,240,458 9,513,916 7,267,904 7,796,745 7,789,616 8,136,336 9,363,451 9,654,518 1,800 2,027 2,041 2,386 1,957 2,123 5,674,417 5,852,444 4,550,557 14,225,839 19,696,883 4,651,447 531,729 513,916 530,505 518,617 518,312 508,062 17,907,929 19,109,145 20,855,184 21,327,036 22,569,932 27,612,210 (63,357) (64,193) (65,185) (66,263) - - 24,052,518 25,413,339 25,873,102 36,007,615 42,787,084 32,773,842 $ 31,320,422 $ 33,210,084 $ 33,662,718 $ 44,143,951 $ 52,150,535 $ 42,428,360 191 CITY OF ANDOVER, MINNESOTA CHANGES IN FUND BALANCES - GOVERNMENTAL FUNDS Last Ten Fiscal Years (modified accrual basis of accounting) 2011 2012 2013 2014 Revenues General property taxes $ 10,279,967 $ 10,638,117 $ 10,682,975 $ 10,894,301 Tax increment collections 1,976,800 2,035,663 375,040 377,733 Licenses and permits 387,206 449,826 536,706 364,430 Intergovernmental 1,876,685 3,493,528 1,115,047 3,464,985 Special assessments 891,942 792,460 1,045,000 733,425 Charges for services 1,732,791 1,874,321 1,806,919 1,720,972 Fines 99,777 97,571 96,130 94,375 Investment income 1,386,698 1,191,438 573,256 735,325 Miscellaneous: Park dedication fees 51,706 47,700 205,080 156,384 Connection charges 27,165 170,202 436,628 676,826 Rent 641,859 639,983 639,423 639,000 Other 332,992 645,897 1,698,964 564,057 Total revenues 19,685,588 22,076,706 19,211,168 20,421,813 Expenditures General government 2,298,571 2,280,373 2,647,278 2,588,950 Public safety 3,965,541 4,092,073 4,301,698 4,537,264 Public works 3,788,636 5,415,924 4,251,454 4,145,404 Parks and recreation 1,926,220 2,001,624 1,990,457 2,139,552 Recycling 109,911 94,328 123,595 106,587 Economic development 966,687 1,537,611 408,210 665,325 Unallocated 30,631 63,371 75,517 81,183 Capital outlay 985,399 723,017 2,763,351 2,816,375 Debt service: Principal retirement 4,100,000 1,842,000 1,689,000 2,336,719 Interest 1,855,538 1,768,748 1,262,302 900,504 Other 10,430 225,378 5,509 7,895 Construction/acquisition costs 1,044,581 110,650 946,942 - Total expenditures 21,082,145 20,155,097 20,465,313 20,325,758 Revenues over (under) expenditures (1,396,557) 1,921,609 (1,254,145) 96,055 Other Financing Sources (Uses) Transfers in 627,530 627,530 627,530 627,530 Transfers out - (7,134) (4,242) (20,737) Bonds issued 265,000 585,000 - 1,555,000 Refunding bonds issued - 18,885,000 - - Redemption of refunded bonds - (17,907,898) (1,900,000) (16,455,000) Bond premium - 133,164 - 44,278 Proceeds from the sale of capital assets 514,819 16,625 76,184 922,408 Total other financing sources (uses) 1,407,349 2,332,287 (1,200,528) (13,326,521) Net increase (decrease) in fund balance $ 10,792 $ 4,253,896 $ (2,454,673) $ (13,230,466) Debt service as a percentage of noncapital expenditures 31.26% 18.69% 17.61% 18.49% 132 Table 4 2015 2016 2017 2018 2019 2020 $ 11,148,149 $ 11,809,352 $ 11,923,097 $ 12,433,651 $ 12,985,096 $ 14,451,737 213,020 91,808 82,448 86,794 90,189 100,979 452,422 625,907 546,378 562,525 855,831 892,279 959,790 1,564,848 3,150,578 1,641,806 2,786,445 6,211,801 690,161 818,065 832,528 554,471 721,950 631,999 1,499,909 1,613,941 1,574,242 1,656,254 1,941,637 1,672,023 99,304 88,600 75,287 73,719 62,349 47,630 341,392 389,114 362,974 543,672 1,316,876 913,671 170,144 431,784 95,198 75,798 472,753 389,033 405,967 445,698 412,691 444,989 1,152,759 1,136,882 638,220 656,604 641,691 637,150 636,803 635,629 542,473 1,189,179 428,186 525,667 1,462,431 862,805 17,160,951 19,724,900 20,125,298 19,236,496 24,485,119 27,946,468 2,639,821 2,686,308 2,754,189 3,115,956 3,011,191 3,079,344 4,521,129 4,709,083 4,822,435 4,956,350 5,096,029 5,754,243 2,747,550 3,694,911 5,208,862 4,298,845 5,691,654 4,588,958 2,277,576 2,226,454 2,253,370 2,214,415 2,371,437 2,495,594 91,940 124,860 169,956 199,182 224,574 228,124 181,551 401,244 1,087,586 538,955 191,468 4,154,244 56,720 33,077 14,875 11,940 15,001 12,778 941,213 2,220,253 1,484,422 2,102,030 14,825,106 16,830,198 1,961,719 1,966,719 1,996,719 1,612,717 1,444,000 1,561,000 470,687 444,144 418,419 385,555 568,864 1,290,844 5,009 1,325 3,095 3,095 1,000 5,000 167,955 414,987 52,527 164,399 1,564,585 7,145 16,062,870 18,923,365 20,266,455 19,603,439 35,004,909 40,007,472 1,098,081 801,535 (141,157) (366,943) (10,519,790) (12,061,004) 627,530 627,530 627,530 643,729 1,323,739 990,088 (58,249) (85,096) (54,228) (114,850) (58,110) (59,740) - 520,000 - 10,000,000 15,770,000 1,310,000 - - - 254,260 1,458,695 95,481 854,057 25,693 20,489 65,037 32,050 3,000 1,423,338 1,088,127 593,791 10,848,176 18,526,374 2,338,829 $ 2,521,419 $ 1,889,662 $ 452,634 $ 10,481,233 $ 8,006,584 $ (9,722,175) 16.27% 14.80% 12.89% 11.53% 10.81% 12.31% 133 CITY OF ANDOVER, MINNESOTA ASSESSED AND ESTIMATED ACTUAL VALUE OF TAXABLE PROPERTY Last Ten Fiscal Years Real Property Personal Property Total Total Taxable Net Tax Taxable Net Tax Taxable Net Tax Direct Year Market Value Capacity Market Value Capacity Market Value Capacity Tax Rate 2011 $ 2,444,519,600 $ 25,667,544 $ 25,425,400 $ 506,806 $ 2,469,945,000 $ 26,174,350 38.731% 2012 2,176,836,156 22,945,277 25,299,200 504,304 2,202,135,356 23,449,581 42.539% 2013 2,097,459,658 22,048,362 26,136,700 520,656 2,123,596,358 22,569,018 41.170% 2014 2,045,873,681 21,462,221 25,938,600 516,101 2,071,812,281 21,978,322 43.657% 2015 2,411,059,312 25,213,801 24,711,300 491,549 2,435,770,612 25,705,350 37.460% 2016 2,513,05 1 ,767 26,316,855 26,635,100 530,418 2,539,686,867 26,847,273 38.667% 2017 2,605,298,959 27,358,838 28,181,200 561,340 2,633,480,159 27,920,178 37.738% 2018 2,929,062,970 30,682,357 30,348,500 604,686 2,959,411,470 31,287,043 34.952% 2019 3,089,514,579 32,331,885 32,283,200 643,380 3,121,797,779 32,975,265 35.621% 2020 3,392,964,562 35,504,632 29,861,600 594,907 3,422,826,162 36,099,539 35.942% Source: Anoka County Property Tax Division Table 5 Net Tax Capacity as a Percentage 1.06% 1.06% 1.06% 1.06% 1.06% 1.06% 1.06% 1.06% 1.06% 1.05% 134 CITY OF ANDOVER, MINNESOTA PROPERTY TAX RATES - PER $1,000 OF ASSESSED TAX CAPACITY VALUE DIRECT AND OVERLAPPING GOVERNMENTS Last Ten Fiscal Years Table 6 Direct City General Debt Lower Taxes Oper Service Rum Overlapping Governments Payable Levy Levy Watershed Total School County Other Total Total 2012 35.138% 6.952% 0.449% 42.539% 21.447% 41.056% 3.626% 66.129% 108.668% 2013 33.676% 6.989% 0.449% 41.114% 26.751% 44.328% 3.912% 74.991% 116.105% 2014 35.486% 7.711% 0.460% 43.657% 28.265% 43.239% 4.354% 75.858% 119.515% 2015 30.441% 6.628% 0.391% 37.460% 22.482% 38.123% 4.104% 64.709% 102.169% 2016 31.898% 6.381% 0.388% 38.667% 20.885% 38.894% 4.949% 64.728% 103.395% 2017 33.128% 4.246% 0.364% 37.738% 18.590% 36.841% 3.952% 59.383% 97.121% 2018 30.607% 4.020% 0.325% 34.952% 18.392% 35.334% 3.906% 57.632% 92.584% 2019 29.830% 5.480% 0.311 % 35.621 % 16.330% 34.473% 3.478% 54.281 % 89.902% 2020 28.390% 7.266% 0.286% 35.942% 16.893% 33.361% 3.157% 53.411% 89.353% 2021 28.367% 7.207% 0.271% 35.845% 17,801% 30.935% 3.146% 51,882% 87.727% Source: Anoka County Property Tax Division 135 CITY OF ANDOVER, MINNESOTA PROPERTY TAX LEVIES AND COLLECTIONS Last Ten Fiscal Years Table 7 Collected Within the Fiscal Year of Levy Total Market Value Collections In Total Collections to Date Tax Tax Homestead Total Percentage Subsequent Percentage Year Levy Levy Credit Collected of Levy Years Amount of Levy 2011 $ 10,856,299 $ 10,119,681 $ 853 * $ 10,120,534 93.22% $ 145,144 $ 10,265,678 94.56% 2012 10,631,299 10,460,838 2,354 10,463,192 98.42% 128,881 10,592,073 99.63% 2013 10,631,299 10,535,521 1,246 10,536,767 99.11% 94,532 10,631,299 100.00% 2014 10,843,925 10,776,635 - 10,776,635 99.38% 67,290 10,843,925 100.00% 2015 11,143,925 11,054,157 - 11,054,157 99.19% 56,677 11,110,833 99.70% 2016 11,593,925 11,525,770 3,461 11,529,231 99.44% 22,711 11,551,942 99.64% 2017 11,938,555 11,858,376 3,545 11,861,921 99.36% 11,773 11,873,694 99.46% 2018 12,416,357 12,342,648 2,824 12,345,471 99.43% 28,923 12,374,394 99.66% 2019 13,103,487 12,974,413 3,960 12,978,373 99.05% 52,338 13,030,711 99.44% 2020 14,479,586 14,391,252 4,128 14,395,381 99.42% F Not Available * Included in the total tax lcvy is approximately $400,000 ofmarket value homestead credit (MVHC) that the City will not be receiving. Duc to State legislative actions to deal with the State budget deficit, the MVHC program was significantly reduced for the City. 136 CITY OF ANDOVER, MINNESOTA PRINCIPAL TAXPAYERS Current Year and Nine Years Ago 2020 2011 Net Percentage of Net Tax Total City Tax Taxpayers Capacity Rank Tax Capacity Capacity Minnegasco, Inc. $ 317,604 1 0.88% $ 201,860 Connexus Energy 222,898 2 0.62% 217,170 Presbyterian Homes of Andover 209,904 3 0.58% 151,809 Wal-Mart 173,938 4 0.48% Target Corporation 161,826 5 0.45% 191,460 Great River Energy 161,208 6 0.45% 153,136 Andover Limited Partnership 143,250 7 0.40% 159,029 Andover Station 2016 LLC 123,650 8 0.34% 104,250 DST Properties LLC 108,864 9 0.30% Estates of Arbor Oaks LLC 90,023 10 0.25% Fairbanks Properties LLC 79,260 Columbia Park Properties 73,606 Maxwell Kearns, Inc. 68,538 Total $ 1,713,165 4.75% $ 1,400,117 Net Tax Capacity $ 36,099,539 $ 26,174,350 Source: Anoka County Property Tax Division Rank 3 5 4 7 8 9 10 Table 8 Percentage of Total City Tax Capacity 0.77% 0.83% 0.58% 0.73% 0.59% 0.61 % 0.40% 0.30% 0.28% 0.26% 5.35% 137 CITY OF ANDOVER, MINNESOTA ESTIMATED MARKET VALUES AND NEW CONSTRUCTION Last Ten Fiscal Years Table 9 Estimated Market Values New Construction Commercial / Commercial / Industrial Residential Year Industrial (1) Residential Total Pernlits Value Permits Value 2011 $ 199,728,200 $ 2,305,897,900 $ 2,505,626,100 24 $ 11,461,453 58 $ 11,803,000 2012 192,112,500 2,206,195,400 2,398,307,900 25 5,042,964 81 15,243,007 2013 174,971,400 2,141,898,900 2,316,870,300 15 9,249,466 98 20,351,892 2014 166,531,500 2,103,536,600 2,270,068,100 14 4,285,281 52 13,926,901 2015 173,717,700 2,437,681,500 2,611,399,200 16 2,513,609 74 19,631,775 2016 184,083,400 2,530,046,700 2,714,130,100 7 14,009,200 HI 28,893,036 2017 196,837,900 2,610,055,500 2,806,893,400 - 94 27,847,717 2018 207,569,200 2,908,606,300 3,116,175,500 2 2,860,000 60 19,703,857 2019 214,417,500 3,057,490,800 3,271,908,300 2 3,901,376 116 37,258,817 2020 228,402,926 3,332,915,773 3,561,318,699 - 139 45,464,139 Note: (1) Also includes agricultural, public utility, railroad operating property, and personal property. 138 CITY OF ANDOVER, MINNESOTA SPECIAL ASSESSMENT LEVIES AND COLLECTIONS Last Ten Fiscal Years Table 10 Total Delinquent Collections Assessments Current Current Percent of Delinquent Total as a Percent of Outstanding as a Percent of Assessments Assessments Assessments Assessment Assessment Current Delinquent Current Year Due (1) Collected Collected Collections Collections Assessments Due Assessments Assessments Due 2011 $ 308,794 $ 304,164 98.50% $ 5,112 $ 309,276 100.16% $ 267,016 86.47% 2012 348,129 376,601 108.18% 25,087 401,688 115.38% 237,175 68.13% 2013 338,411 387,584 114.53% 168,941 556,525 164.45% 82,826 24.47% 2014 326,597 387,651 118.69% 3,788 391,439 119.85% 215,970 66.13% 2015 334,054 514,868 154.13% 4,003 518,871 155.33% 269,754 80.75% 2016 267,704 510,275 190.61% 2,153 512,429 191.42% 268,716 100.38% 2017 265,163 513,140 193.52% 212 513,352 193.60% 272,101 102.62% 2018 305,249 555,684 182.04% 412 556,096 182.18% 283,528 92.88% 2019 272,670 532,268 195.21 % 1,579 533,847 195.79% 295,781 108.48% 2020 272,526 524,787 192.56% 5,684 530,471 194.65% 272,865 100.12% Note: (1) Only includes assessments certified to Anoka County. 139 CITY OF ANDOVER, MINNESOTA RATIO OF NET BONDED DEBT TO ASSESSED VALUE AND NET BONDED DEBT PER CAPITA Last Ten Fiscal Years Table I General Bonded Debt Outstanding (2) Gross Amount Net Percentage Net Bonded Fiscal Estimated Bonded Restricted For Bonded of Estimated Debt Year Population (4) Market Value Debt Debt Service Debt Market Value Per Capita 2011 30,847 $ 2,505,626,100 $ 39,096,000 $ (17,779,964) $ 21,316,036 0.85% $ 691.02 2012 31,125 2,398,307,900 40.444,000 (18,497,679) 21,946,321 0.92% 705.10 2013 31,392 2,316,870,300 37,460,000 (17,415,812) 20,044,188 0.87% 638.51 2014 31,574 2,270,068,100 21,035,000 (942,607) 20,092,393 0.89% 636.36 2015 31,704 2,611,399,200 19,330,000 (1,064,634) 18,265,366 0.70% 576.12 2016 32,335 2,714,130,100 18,080,000 (1,163,486) 16,916,514 0.62% 523.16 2017 32,470 2,806,893,400 16,280,000 (800,214) 15,479,786 0.55% 476.74 2018 32,728 3,116,175,500 24,864,000 (899,986) 23,964,014 0.77% 732.22 2019 32,882 3,271,908,300 40,619,047 (917,364) 39,701,683 1.21% 1,207.40 2020 33,182 3,561,318,700 40,296,891 (1,582,258) 38,714.633 1.09% 1,166.74 Notes: (1) Source: Metropolitan Council (2) Only includes debt supported by tax levy. 140 CITY OF ANDOVER, MINNESOTA COMPUTATION OF DIRECT AND OVERLAPPING DEBT December 31, 2020 Direct: City of Andover Overlapping: Anoka County ISD No. 11 Anoka -Hennepin ISD No. 15 St. Francis Anoka County Regional Railroad Authority Metropolitan Council Total overlapping debt Total overlapping and direct debt Notes: (1) Information obtained from Anoka County. Table 12 Gross General Obligation Percentage Net Amount Bonded Debt Applicable Applicable Outstanding to City (2) to City $ 40,296,891 100.0000% $ 40,296,891 59,945,000 (1) 9.2465% 5,542,814 165,375,000 (1) 12.9889% 21,480,393 88,240,000 (1) 6.3918% 5,640,124 20,280,000 (1) 9.2465% 1,875,190 221,800,000 (1) 0.8568% 1,900,382 36,438,903 $ 76,735,794 (2) Overlapping governments are those that coincide with the geographical boundaries of the city. This schedule estimates the portion of the outstanding debt of those overlapping governments that is borne by the residents and businesses of the City. This process recognizes that, when considering the City's ability to issue and repay long-term debt, the entire debt burden borne by the residents and businesses should be taken into account. However, this does not imply that every taxpayer is a resident, and therefore responsible for repaying the debt of each overlapping government. 141 CITY OF ANDOVER, MINNESOTA COMPUTATION OF LEGAL DEBT MARGIN Last Ten Fiscal Years 2011 2012 2013 2014 Estimated Taxable Market Value $ 2,469,945,000 $ 2,202,135,356 $ 2,123,596,358 $ 2,071,812,281 Debt limitation: Debt limit percent 3% 3% 3% 3% Debt limit in dollars 74,098,350 66,064,061 63,707,891 62,154,368 Debt applicable to limit: Total bonded debt 55,361,000 49,144,000 45,010,000 27,405,000 Less: Nonapplicable debt G.O. water revenue bonds (14,400,000) (7,420,000) (6,875,000) (6,310,000) Permanent improvement revolving bonds (1,125,000) (760,000) (385,000) - State aid bonds (740,000) (520,000) (290,000) (60,000) Less: Cash and investments in related debt service funds (17,779,964) (18,497,679) (17,415,812) (942,607) Total debt applicable to limitation 21,316,036 21,946,321 20,044,188 20,092,393 Legal debt margin $ 52,782,314 $ 44,117,740 $ 43,663,703 $ 42,061,975 Total debt applicable to the limit as a percentage of debt limit 28.77% 33.22% 31.46% 32.33% 142 Table 13 2015 2016 2017 2018 2019 2020 $ 2,435,770,612 $ 2,539,686,867 $ 2,633,480,159 $ 2,959,411,470 $ 3,121,797,779 $ 3,422,826,162 3% 3% 3% 3% 3% 3% 73,073,118 76,190,606 79,004,405 88,782,344 93,653,933 102,684,785 25,050,000 27,110,000 20,740,000 28,639,000 42,260,000 41,284,000 (5,720,000) (9,030,000) (4,460,000) (3,775,000) (3,070,000) (2,345,000) (1,191,519) (1,299,334) (943,862) (1,032,604) (1,418,376) (2,021,047) 18,138,481 16,780,666 15,336,138 23,831,396 37,771,624 36,917,953 $ 54,934,637 $ 59,409,940 $ 63,668,267 $ 64,950,948 $ 55,882,309 $ 65,766,832 24.82% 22.02% 19.41% 26.84% 40.33% 35.95% 143 - This page intentionally left blank - 144 CITY OF ANDOVER, MINNESOTA PLEDGED -REVENUE COVERAGE Last Ten Fiscal Years Table 14 Water Revenue Bonds Water Enterprise Fund Fiscal Operating Less: Operating Transfers Net Available Debt Service Year Revenues Expenses (1) In (2) Revenue Principal Interest Coverage 2011 $ 2,119,954 $ 1,318,848 $ - $ 801,106 $ 475,000 $ 366,065 0.95 2012 2,572,560 1,592,417 7,134 987,277 490,000 214,933 1.40 2013 2,495,561 1,285,188 4,242 1,214,615 545,000 276,458 1.48 2014 2,347,763 1,320,552 20,737 1,047,948 565,000 254,715 1.28 2015 2,593,303 1,373,362 59,249 1,278,190 590,000 231,978 1.56 2016 2,575,920 1,535,224 85,096 1,125,792 615,000 208,122 1.37 2017 2,716,239 1,441,224 54,228 1,329,243 645,000 71,819 1.85 2019 3,061,920 1,448,248 114,850 1,728,522 685,000 85,770 2.24 2019 2,756,944 1,912,710 58,110 902,344 705,000 70,669 1.16 2020 3,349,237 1,983,821 59,740 1,425,156 725,000 54,910 1.83 2004 EDA Public Facility Lease Revenue Bond (3) & 2012 Abatement Bonds Community Center Special Revenue Fund Debt Service Fiscal Operating Less: Operating Net Available General Property Debt Service Year Revenue Expenses Revenue Tax Revenue Principal Interest Coverage 2011 $ 1,414,617 $ 991,098 $ 423,519 $ 908,894 $ 415,000 $ 914,891 1.00 2012 1,430,874 1,011,186 419,688 1,091,430 435,000 897,456 1.13 2013 1,381,573 971,108 410,465 1,029,949 425,000 878,534 1.11 2014 1,462,169 1,058,467 403,702 924,057 790,000 820,054 0.82 2015 1,449,851 1,045,347 404,504 974,822 835,000 379,906 1.14 2016 1,428,771 1,048,452 380,319 979,038 845,000 371,506 1.12 2017 1,445,784 1,041,714 404,070 973,161 855,000 358,731 1.13 2018 1,490,157 1,045,141 445,016 970,085 870,000 341,481 1.17 2019 1,506,473 1,047,404 459,069 960,618 885,000 323,931 1.17 2020 1,266,968 1,153,500 113,468 972,704 910,000 305,981 0.89 Special Assessment and Permanent Improvement Revolving Bonds Fiscal Special Assessment Year Revenue 2011 $ 552,356 2012 268,116 2013 599,889 2014 102,380 2015 126,628 2016 78,189 2017 229 2018 28,848 2019 136,450 2020 4,215 Debt Service Principal Interest Coverage $ 955,000 $ 36,250 0.56 365,000 18,850 0.70 375,000 11,450 1.55 lu5 nnn I e5n n ?r, No outstanding debt No outstanding debt No outstanding debt No outstanding debt No outstanding debt No outstanding debt Notes: Details regarding the City's outstanding debt can be found in the notes to the financial statements. (1) Operating expenses includes transfers out because the administrative allocation and replacement reserve transfer is built into the user fees. Operating expenses does not include interest and depreciation. (2) The transfer in is included because a portion of the trunk connection charge associated with adding additional users to the water system is designated to compensate prior years capital investment in water utility infrastructure and the treatment plant. (3) Half of the facility financed by these bonds is leased to the Greater Minneapolis YMCA, their lease payments started in 2008. Future YMCA lease payments will significantly reduce the City's obligation on debt service payments. 145 CITY OF ANDOVER, MINNESOTA OUTSTANDING DEBT BY TYPE Last Ten Fiscal Years Cite of Andover's Outstanding Debt Governmental activities Revenue bonds Abatement bonds Certificates of indebtedness Capital improvement bonds Permanent improvement revolving bonds State aid bonds Referendum bonds Promissory note payable Issuance premiums Total governmental activities Business -type activities G.O. revenue bonds Issuance premiums Total business -type activities Total outstanding debt Total outstanding debt as a percentage of personal income Total outstanding debt per capita 2011 2012 2013 2014 $ 34,675,000 $ 17,375,000 $ 16,925,000 $ - - 17,315,000 16,995,000 16,675,000 561,000 774,000 680,000 2,140,000 2,200,000 3,455,000 1,470,000 970,000 1,125,000 760,000 385,000 - 740,000 520,000 290,000 60,000 1,660,000 1,525,000 1,390,000 1,250,000 - - 983,593 786,874 40,961,000 41,724,000 39,118,593 21,881,874 14,400,000 7,420,000 6,875,000 6,310,000 14,400,000 7,420,000 6,875,000 6,310,000 $ 55,361,000 $ 49,144,000 $ 45,993,593 $ 28,191,874 6.17% 5.28% 4.84% 2.91 % $ 11,795 $ 1,579 $ 1,465 $ 893 146 Table 15 2015 2016 2017 2018 2019 2020 $ - $ - $ - $ - $ - $ - 15,840,000 14,995,000 14,140,000 13,270,000 28,155,000 27,245,000 1,915,000 2,125,000 1,330,000 939,000 540,000 144,000 470,000 - - 10,000,000 10,000,000 9,915,000 1,105,000 960,000 810,000 655,000 495,000 335,000 590,155 393,436 196,717 - - - - - - - 1,429,047 1,357,891 19,920,155 18,473,436 16,476,717 24,864,000 40,619,047 38,996,891 5,720,000 9,030,000 4,460,000 3,775,000 3,070,000 2,345,000 - 81,006 67,690 54,374 41,058 27,742 5,720,000 9,111,006 4,527,690 3,829,374 3,111,058 2,372,742 $ 25,640,155 $ 27,584,442 $ 21,004,407 $ 28,693,374 $ 43,730,105 $ 41,369,633 2.57% 2.68% 1.96% 2.55% 3.71 % 3.37% $ 809 $ 853 $ 647 $ 877 $ 1,330 $ 1,247 iEVA CITY OF ANDOVER, MINNESOTA DEMOGRAPHIC AND ECONOMIC STATISTICS Table 16 Last Ten Years City of Andover Anoka County Personal Personal Per Capita Unemployment Year Population (1) Income (2) Population (3) Income (2) Income (3) Percentage 2011 30,847 $ 896,999,913 330,844 $ 9,620,612,676 $ 29,079 5.8% 2012 31,125 930,450,750 336,414 10,056,760,116 29,894 5.9% 2013 31,692 960,235,908 339,534 10,287,540,666 30,299 5.0% 2014 31,874 976,842,478 341,864 10,477,106,008 30,647 4.2% 2015 31,704 997,851,696 342,500 10,779,845,000 31,474 3.6% 2016 32,335 1,027,444,625 345,957 10,992,783,675 31,775 3.8% 2017 32,470 1,073,165,970 348,357 11,513,547,207 33,051 3.5% 2018 32,728 1,089,842,400 350,357 11,666,888,100 33,300 2.8% 2019 32,882 1,177,372,892 356,921 12,779,913,326 35,806 3.1% 2020 33,182 1,227,003,996 358,921 13,272,180,738 36,978 6.0% Notes: (1) Estimates from Metropolitan Council (2) The personal income is calculated by taking the per capita income of Anoka County and multiplying it by the population for both the City and County. (3) Information from U.S. Census Bureau 148 CITY OF ANDOVER, MINNESOTA PRINCIPAL EMPLOYERS Current Year and Nine Years Ago TaXDaver Anoka Hennepin I.S.D. No. 11 W almart Fairview Andover Clinic Kottkes' Bus Service, Inc. YMCA TE Connectivity Target Anoka County Sheriffs Office GAF Materials Corp Anoka County Highway Department Bunker Hills Regional Park/Activity Center Meadow Creek Christian School Andover County Market Presbyterian Homes Total 2020 Percentage of Total City Employees Rank Employment 662 (1) 1 25.6% 335 2 13.0% 300 3 11.6% 225 4 8.7% 220 5 8.5% 201 6 7.8% 200 7 7.7% 171 8 6.7% 150 9 5.8% 120 10 4.6% 2,584 100.0% Source: Minnesota Department of Employment and Economic Development (1) Number of district employees that work in school buildings located within the City. Table 17 2011 Percentage of Total City Employees Rank Employment 906 1 37.0% 300 2 12.2°/, 225 4 9.2% 170 6 6.9% 250 3 10.2% 103 8 4.2% 180 5 7.3% 127 7 5.2% 100 9 4.1% 90 10 3.7% 2,451 100.0% 149 - This page intentionally left blank - 150 CITY OF ANDOVER, MINNESOTA FULL TIME EQUIVALENT EMPLOYEES Table 18 CITY GOVERNMENT EMPLOYEES BY FIJNCTION/PROGRAM Last Ten Fiscal Years Function/Program 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 Governmental: Administration 0.91 1.15 1.15 1.05 1.05 1.18 1.13 1.13 1.15 1.10 Human resources 0.02 0.02 0.02 0.03 0.03 0.03 0.03 0.03 0.03 0.08 City clerk 1.34 1.34 1.34 1.84 1.84 1.89 1.89 1.89 1.89 1.89 Elections 0.10 0.10 0.10 0.10 0.10 0.10 0.15 0.15 0.15 0.15 Financial administration 1.84 1.85 1.85 1.91 1.91 1.97 1.94 1.94 1.94 2.01 Information systems 0.91 0.91 0.91 0.91 0.91 0.91 0.91 0.91 0.91 0.91 Planning and zoning 3.76 3.70 3.70 3.90 3.90 4.00 4.03 4.03 4.05 4.05 Engineering 4.16 4.33 4.33 4.20 4.20 4.40 4.48 4.48 4.48 4.46 Facility Management 0.21 0.07 0.22 0.22 0.22 0.16 1.05 1.05 0.96 0.87 EDA general 0.78 0.85 0.85 0.35 0.35 0.10 0.05 0.05 - - LRRWMO 0.24 0.20 0.20 0.15 0.15 0.07 0.07 0.07 0.07 0.09 Risk management 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 Public Safety: Fire 3.10 3.10 3.10 3.10 3.10 3.21 3.21 3.21 3.21 4.10 Protective inspection 3.66 3.93 3.93 3.93 3.93 4.05 4.03 4.03 4.03 4.40 Emergency management 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 Public Works: Streets and highways 5.59 5.46 4.97 4.88 5.34 5.68 5.37 5.19 5.22 5.15 Snow and ice 2.57 2.03 3A4 3.95 1.98 2.23 1.83 2.83 3.79 2.55 Street signs 1.46 1.43 1.34 1.30 1.70 1.42 1.57 1.52 1.46 1.51 Natural Resource Preservation - - - - - 0.03 0.01 0.01 - 0.02 ROW management/utility 0.16 0.20 0.20 0.20 0.20 0.08 0.09 0.08 0.08 0.08 Water 4.70 4.74 4.56 4.52 4.39 4.87 4.55 4.52 4.86 4.57 Sewer 3.23 3.17 3.49 3.06 3.36 2.91 2.82 3.08 2.80 3.33 Storm sewer 2.87 2.54 2.23 2.25 2.50 2.39 2.94 238 2.08 2.40 Central equipment 2.91 2.91 2.91 2.81 3.10 3.07 3.31 3.25 3.19 3.34 Park & Recreation: Park and recreation 6.69 6.77 7.14 7.33 8.77 8.58 8.65 8.30 7.80 8.41 Community center 3.04 3.25 3.10 3.10 3.10 3.16 3.22 3.22 3.32 3.32 Recycling 0.96 1.30 0.77 0.76 0.72 0.79 1.03 1.00 0.88 0.81 55.36 55.50 56.00 56.00 57.00 57.43 58.50 58.50 58.50 59.75 Source: City Finance Department Note: Employees are allocated to various departments based on the functions that they perform. 151 CITY OF ANDOVER, MINNESOTA OPERATING INDICATORS BY FUNCTION/PROGRAM Last Ten Years Function/Program 2011 2012 2013 2014 2015 General government: Registered voters n/a 18,366 n/a 19,772 n/a Number of precincts n/a 10 n/a 10 n/a Public safety: Police: Number of calls for services 11,650 10,963 10,659 10,319 10,400 Number of traffic citations 2,000 2,202 2,480 2,536 2,066 Number of patrol hours 29,200 29,200 29,200 29,200 29,200 Fire: Fire responses 265 320 308 257 262 Emergency medical responses 764 816 863 838 336 Protective inspections: Inspections 3,074 3,872 3,766 2,840 3,100 Residential permits 58 81 98 52 74 Other permits 1,755 1,714 1,716 1,898 2,744 Public works: Streets and highways: Asphalt streets maintained (miles) 191 191 192 195 200 Gravel roads maintained (miles) 7 7 7 7 6 Cul-de-sacs and dead ends maintained 338 338 328 332 345 Parks and recreation: Number of City parks 50 49 50 51 52 Total acreage mowed 302 302 318 332 332 Ballfields maintained 28 28 28 28 29 Number of playgrounds 38 38 39 38 38 Soccer fields maintained 21 17 20 16 16 Trail maintained (miles) 35 33 35 33 33 Community center bookings (hrs): Fieldhouse 11,461 11,426 11,831 12,182 11,919 Ice arena 2,575 2,905 2,543 2,593 2,643 Water: New connections 78 38 108 43 57 Total customers 6,229 6,267 6,375 6,418 6,475 Annual consumption (thousands of gallons) 854,672 1,050,378 947,201 827,574 885,886 Sanitary Sewer: New connections 77 38 108 43 57 Total customers 7,135 7,173 7,281 7,324 7,381 Storm Sewer: Total customers 10,126 10,164 10,583 10,626 10,700 Storm sewer lines maintained (miles) 69 69 73 75 76 Source: Various City Departments 152 Table 19 2016 2017 2018 2019 2020 22,051 n/a 20,433 n/a 23,545 10 n/a 10 n/a 10 14,736 15,636 14,724 18,164 15,351 1,614 1,491 1,585 1,246 936 29,200 29,200 29,200 29,200 29,200 378 350 365 472 375 594 500 740 790 667 3,562 2,785 2,844 3,574 4,791 111 95 58 116 139 2,536 2,653 2,396 2,758 2,983 204 190 194 195 202 6 6 7 7 7 348 350 353 357 358 53 53 53 53 53 332 332 336 336 338 27 27 27 27 27 41 41 42 42 42 18 18 20 20 20 34 34 37 39 40 12,701 12,900 13,796 13,891 7,771 2,606 2,702 3,288 3,156 2,585 97 91 62 90 75 6,572 6,663 6,725 6,815 6,890 950,307 873,457 975,387 829,721 1,024,844 101 92 58 36 87 7,482 7,574 7,632 7,668 7,755 10,812 10,948 10,971 11,118 11,153 77 78 78 80 81 153 CITY OF ANDOVER, MINNESOTA CAPITAL ASSET STATISTICS BY FUNCTION/PROGRAM Last Ten Years Table 20 Function/Program 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 Public Safety: Fire: Stations 3 3 3 3 3 3 3 3 3 3 Fire vehicles 21 21 20 21 19 20 18 19 17 16 Protective inspections: Vehicles 4 4 4 4 4 4 4 4 5 5 Streets (miles) 191 191 192 195 200 204 190 194 195 202 Street lights 1,225 1,231 1,231 1,240 1,248 1,260 1,268 1,282 1,301 1,326 Traffic signals 24 24 24 24 25 25 26 26 27 27 Parks and Recreation: Parks 50 49 50 51 52 53 53 53 53 53 Ball fields 28 28 28 28 29 27 27 27 27 27 Soccer fields 21 17 20 16 16 18 18 20 20 20 Playgrounds 38 38 39 38 38 41 41 42 42 42 Trails (miles) 35 33 35 33 33 34 34 37 39 40 Community centers 1 1 1 1 1 1 1 1 1 1 Water: Water treatment plants 1 1 1 1 1 1 1 1 I 1 Storage facilities 2 2 2 2 2 2 2 2 2 2 Water main (miles) 109 111 112 115 116 118 119 120 121 122 Connections 6,229 6,267 6,375 6,418 6,475 6,635 6,663 6,725 6,815 6,890 Sanitary sewer: Sewermain (miles) 93 93 94 95 96 96 98 99 100 101 Connections 7,135 7,173 7,281 7,324 7,381 7,482 7,574 7,632 7,668 7,755 Number of lift stations 9 9 9 9 9 9 9 9 10 10 Storm sewer: Storm sewer lines (miles) 69 69 73 75 76 77 78 78 80 81 154 IV. OTHER FINANCIAL INFORMATION 155 CITY OF ANDOVER, MINNESOTA COMBINED SCHEDULE OF INDEBTEDNESS December 31, 2020 Authorized Issue Maturity Interest and Date Date Rate issue GOVERNMENTAL ACTIVITIES: Abatement Bonds: 2012C G.O. Abatement Bonds 12/27/2012 2/1/2031 1.00-3.00% S 17,315,000 2019A G.O. Abatement Bonds 8/1/2019 2/l/2040 3.00-5.00% 15,770,000 33,085,000 Certificates of Indebtedness: 2014A G.O. Equipment Certificates 5/29/2014 2/l/2020 1.50-2.00% 1,555,000 2016A G.O. Equipment Certificates 2/19/2016 2/1/2021 1.90% 520,000 2020A G.O. Equipment Certificates 3/19/2020 2/l/2024 4.00% 1,310,000 Total certificates of indebtedness 3,385,000 Capital Improvement Bonds: 2018A G.O. Capital Improvement Plan Bonds 12/27/2018 2/l/2044 3.00-5.00% 10,000,000 Referendum Bonds: 2010A G.O. Open Space Referendum Bonds 2/18/2010 2/l/2022 2.00 - 3.12% 1,660,000 Total bonded indebtedness 48,130,000 Issuance premiums - Compensated absences payable - Total governmental activities indebtedness 48,130,000 BUSINESS -TYPE ACTIVITIES: General Obligation Revenue Bonds: 2009A G.O. Water Revenue Bonds 3/26/2009 2/l/2024 2.00-4.25% 1,025,000 2016B G.O. Water Revenue Refunding Bonds 12/7/2016 2/l/2023 2.00% 3,925,000 Total general obligation revenue bonds 4,950,000 Issuance premiums - Compensated absences payable - Total business -type activities indebtedness 4,950,000 Total City indebtedness $ 53,080,000 156 Exhibit 1 Principal Payments Prior Current Outstanding 2021 Payment Years Year 12/31/20 Principal Interest Total $ 4,930,000 $ 910,000 $ 11,475,000 $ 925,000 $ 287,631 $ 1,212,631 - - 15,770,000 235,000 584,275 819,275 4,930,000 910,000 27,245,000 1,160,000 871,906 2,031,906 1,280,000 275,000 - - - - 255,000 131,000 134,000 134,000 1,273 135,273 - - 1,310,000 315,000 46,100 361,100 1,535,000 406,000 1,444,000 449,000 47,373 496,373 - 85,000 9,915,000 125,000 350,881 475,881 1,165,000 160,000 335,000 165,000 7,870 172,870 7,630,000 1,561,000 38,939,000 1,899,000 1,278,030 3,177,030 - - 1,357,891 - - - - - 840,769 - - - 7,630,000 1,561,000 41,137,660 1,899,000 1,278,030 3,177,030 630,000 75,000 320,000 75,000 11,592 86,592 1,250,000 650,000 2,025,000 660,000 33,900 693,900 1,880,000 725,000 2,345,000 735,000 45,492 780,492 - - 27,742 - - - - - 235,202 - - - 1,880,000 725,000 2,607,944 735,000 45,492 780,492 $ 9,510,000 $ 2,286,000 $ 43,745,604 $ 2,634,000 $ 1,323,522 $ 3,957,522 157 CITY OF ANDOVER, MINNESOTA SCHEDULE OF TAX CAPACITY RATES AND LEVIES Exhibit 2 Taxes Payable 2021 2020 Tax capacity values $ 37,489,817 $ 36,099,539 Captured tax increment value (119,365) (114,064) Fiscal disparities - contribution (1,348,420) (1,310,143) Local taxable value 36,022,032 34,675,332 Fiscal disparities - distribution 5,475,223 5,355,244 Adjusted tax capacity S 41,497,255 S 40,030,576 2021 2020 Certified Tax Capacity Certified Tax Capacity Levy Rate Levy Rate General Revenue Levy: General Fund $ 9,516,493 $ 9,314,032 Community Center Operations Levy 155,000 - Capital Equipment/Projects 250,000 275,000 Facility Maintenance Reserve 355,000 355,000 Parks Projects 15,000 15,000 Road and Bridge 1,342,456 1,287,469 Pedestrian Trail Maintenance 106,121 104,040 Total General Revenue Levy 11,740,070 28.367% 11,350,541 28.390% Debt Service Levy: 2012C G.O. Abatement Bonds 973,263 976,780 2016A G.O. Equipment Certificate - 143,373 2018A G.O. Capital Improvement Plan Bonds 456,344 433,603 2019A G.O. Abatement Bonds 976,966 1,001,090 2020A G.O. Equipment Certificate 406,224 350,000 2021A G.O. Equipment Certificate 170,000 - Total Debt Service Levy 2,982,797 7.207% 2,904,846 7.266% Lower Rum River Watershed 40,000 0.271% 40,000 0.286% Total 14,762,867 35.845% 14,295,387 35.942% Voter -Approved Open Space Referendum - MV 151,078 0.00418% 184,199 0.00526% $ 14,913,945 S 14,479,586 158 CITY OF ANDOVER, MINNESOTA SCHEDULE OF DEFERRED TAX LEVIES GENERAL OBLIGATION BONDS December 31, 2020 Exhibit 3 Capital Open Space Abatement Abatement Certificates of Certificates of Improvement Referendum Total Taxes Bonds Bonds Indebtedness Indebtedness Plan Bonds Bonds Deferred Tax Payable 2012C 2019A 2020A 2021A 2018A 2010A Levies 2021 $ 973,263 $ 976,966 $ 406,224 $ 170,000 $ 456,344 $ 151,078 $ 3,133,875 2022 1,280,455 1,177,208 374,850 - 662,819 - 3,495,332 2023 1,285,285 1,178,783 376,740 - 658,094 - 3,498,902 2024 1,283,015 1,178,783 - - 658,094 - 3,119,892 2025 1,282,883 1,177,208 - - 662,557 - 3,122,648 2026 1,280,744 1,179,308 - - 660,719 - 3,120,771 2027 1,281,781 1,174,320 - - 663,344 - 3,119,445 2028 1,291,027 1,178,258 - - 662,189 - 3,131,474 2029 1,292,340 1,177,628 - - 660,719 - 3,130,687 2030 1,297,800 1,175,738 - - 658,934 - 3,132,472 2031 - 1,177,838 - - 662,084 - 1,839,922 2032 - 1,176,998 - - 659,512 - 1,836,510 2033 - 1,175,370 - - 661,874 - 1,837,244 2034 - 1,178,205 - - 658,514 - 1,836,719 2035 - 1,174,845 - - 659,499 - 1,834,343 2036 - 1,175,948 - - 659,380 - 1,835,328 2037 - 1,176,105 - - 658,750 - 1,834,855 2038 - 1,175,318 - - 662,858 - 1,838,176 2039 - 1,178,835 - - 660,358 - 1,839,193 2040 - - - - 662,576 - 662,576 2041 - - - - 663,364 - 663,364 2042 - - - - 659,166 - 658,166 2043 - - - - 662,918 - 662,918 $ 12,548,593 $ 22,163,662 $ 1,157,814 $ 170,000 $ 14,993,665 $ 151,078 $ 51,184,812 159 CITY OF ANDOVER, MINNESOTA SCHEDULE OF FUND TRANSFERS December 31, 2020 Exhibit 4 Transfer Transfer In Out General Fund Water EF $ 93,975 $ - General Fund Admin Allocation Sewer EF 77,123 - General Fund Admin Allocation Storm Sewer EF 19,590 - General Fund Admin Allocation Road and Bridge CPF 1,000,000 Road improvements Total General Fund 190,688 1,000,000 Special Revenue Funds (SRF) Community Center SRF 2012C GO Abatement Bonds DSF 300,000 Debt Service Allocation Right of Way Management/ Utility SRF Road and Bridge CPF 5,700 Roadway Degredation Total Special Revenue Funds 305,700 Debt Service Funds (DSF) 2012C GO Abatement Bonds DST Comtmnity Center SRF 300,000 Debt Service Allocation 2014A GO Equipment Certificate DSF Building Fund CPF 88,476 Close Debt Service Fund 2019A GO Abatement Bonds DSF Park Dedication CPF 175,146 Debt Service Allocation Total Debt Service Funds 475,146 88,476 Cauital Proiects Funds (CPF) Water Trunk CPF Water EF 300,000 - Replacement Reserve Water EF 59,740 Debt Service Allocation 300,000 59,740 Sewer Trunk CPF Sewer EF 400,000 Replacement Reserve Road and Bridge CPF General Fund 1,000,000 - Road improvements Right of Way Management/ Utility SRF 5,700 Roadway Degredation 1,005,700 Park Dedication CPF 2019A GO Abatement Bonds DSF 175,146 Debt Service Allocation Building Fund CPF 2014A GO Equipment Certificate DST 88,476 Close Debt Service Fund Capital Equipment Reserve CPF Storm Sewer EF 23,500 Debt Service Allocation 2018A GO Capital Improvement Plan Bonds CPF Water EF 22,650 - Allocation to Public Works Expansion Sewer EF 22,650 Allocation to Public Works Expansion 45,300 Total Capital Projects Funds 1,862,976 234,886 Enterprise Funds (EF) Water EF Water Trunk CPF 59,740 - Debt Service Allocation General Fund - 93,975 General Fund Admin Allocation Water Trunk CPF - 300,000 Replacement Reserve 2018A GO Capital improvement Plan Bonds CPF 22,650 Allocation to Public Works Expansion 59,740 416,625 Sewer EF General Fund - 77,123 General Fund Admin Allocation Sewer Trunk CPF - 400,000 Replacement Reserve 2018A GO Capital Improvement Plan Bonds CPF 22,650 Allocation to Public Works Expansion 499,773 Storm Sewer EF General Fund - 19,590 General Fund Admin Allocation Capital Equipment Reserve CPF 23,500 Debt Service Allocation 43,090 Total Enterprise Funds 59,740 959,488 Total All Funds S 2,588,550 S 2,588,550 160