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4.1 ERMUSR 04-10-2018 Elk River Municipal Utilities UTILITIES COMMISSION MEETING TO: FROM: ERMU Commission Theresa Slominski—Finance and Office Manager MEETING DATE: AGENDA ITEM NUMBER: April 10, 2018 4.1 SUBJECT: 2017 Financial Audit ACTION REQUESTED: Receive and file the 2017 Annual Financial Report BACKGROUND: Audit fieldwork was completed March 1st and 2nd by our auditors, Abdo, Eick& Meyers (AEM). Again this year, AEM completed and compiled the enclosed audit report, and issued an opinion letter. Elk River Municipal Utilities staff has reviewed for approval. DISCUSSION: Mr. Andrew Berg of AEM will be at our meeting to present the 2017 audit and answer questions you may have. There was one audit adjustment for GASB 68,Accounting and Financial Reporting for Pensions, that resulted in recognition of a reduction in liability of$677,834, recognition of offsetting Deferred Outflows and Inflows of Resources, and expense of$225,683 (between both funds). These items are discussed in Note 3 of the financials. I'd like to recognize the accounting staff for their hard work throughout the year to have a successful audit completion, and thank them for a job well done. Ultimately a successful audit is the result of everyone in the organization doing their part to ensure proper record keeping and tracking of resources, and the collective effort of everyone is greatly appreciated. FINANCIAL IMPACT: None ATTACHMENTS: • AEM Management Letter • ERMU Annual Financial Report For the Year Ended December 31, 2017 Page 1 of 1 50 Management Letter Elk River Municipal Utilities Elk River, Minnesota For the Year Ended December 31, 2017 ABDo EICK & People +Process® MEYERS ME 1 ERS LLP Going Certified Public Accountants & Consultunis Beyondthe Numbers 51 ABDO EICK MEYERS LLP Certified Public Accountants&Consultants March 28, 2018 Management and Public Utilities Commission Elk River Municipal Utilities Elk River, Minnesota We have audited the financial statements of the Elk River Municipal Utilities (the Utilities) of the City of Elk River, Minnesota, (the City) as of and for year ended December 31, 2017. Professional standards require that we provide you with information about our responsibilities under generally accepted auditing standards as well as certain information related to the planned scope and timing of our audit. We have communicated such information in our letter dated November 7, 2017. Professional standards require that we provide you with the following information related to our audit. Our Responsibility Under Auditing Standards Generally Accepted in the United States of America As stated in our engagement letter, our responsibility, as described by professional standards, is to express an opinion about whether the financial statements prepared by management with your oversight are fairly presented, in all material respects, in conformity with accounting principles generally accepted in the United States. Our audit of the financial statements does not relieve you or management of your responsibilities. Our responsibility is to plan and perform the audit to obtain reasonable, but not absolute, assurance that the financial statements are free of material misstatement. As part of our audit, we considered the internal control over financial reporting of the Utilities. Such considerations were solely for the purpose of determining our audit procedures and not to provide any assurance concerning such internal control. We are responsible for communicating significant matters related to the audit that are, in our professional judgment, relevant to your responsibilities in overseeing the financial reporting process. However, we are not required to design procedures specifically to identify such matters. Significant Audit Findings In planning and performing our audit of the financial statements, we considered the Utilities internal control over financial reporting (internal control) to determine the audit procedures that are appropriate in the circumstances for the purpose of expressing our opinions on the financial statements, but not for the purpose of expressing an opinion on the effectiveness of the Utilities internal control. Accordingly, we do not express an opinion on the effectiveness of the Utilities internal control. A deficiency in internal control exists when the design or operation of a control does not allow management or employees, in the normal course of performing their assigned functions, to prevent, or detect and correct, misstatements on a timely basis. A material weakness is a deficiency, or a combination of deficiencies, in internal control, such that there is a reasonable possibility that a material misstatement of the entity's financial statements will not be prevented, or detected and corrected on a timely basis. A significant deficiency is a deficiency, or a combination of deficiencies, in internal control that is less severe than a material weakness, yet important enough to merit attention by those charged with governance. Our consideration of internal control was for the limited purpose described in the first paragraph of this section and was not designed to identify all deficiencies in internal control that might be material weaknesses or significant deficiencies. Given these limitations, during our audit we did not identify any deficiencies in internal control that we consider to be material weaknesses. However, material weaknesses may exist that have not been identified. 5201 Eden Avenue,Suite 250 Edina,MN 55436 2 952.835.9090 I Fax 952.835 3261 59 Compliance As part of obtaining reasonable assurance about whether the financial statements are free of material misstatement, we performed tests of compliance with certain provisions of laws, regulations, contracts and grants, noncompliance with which could have a direct and material effect on the determination of financial statement amounts. However, providing an opinion on compliance with those provisions was not an objective of our audit. The results of our tests disclosed no instances of noncompliance or other matters that are required to be reported under statutes set forth by the State of Minnesota. Qualitative Aspects of Accounting Practices Management is responsible for the selection and use of appropriate accounting policies. The significant accounting policies used by the Utilities are described in Note 1 to the financial statements. No new accounting policies were adopted and the application of existing policies were not changed during the year ended December 31, 2017. We noted no transactions entered into by the Utilities during the year for which there is a lack of authoritative guidance or consensus. All significant transactions have been recognized in the financial statements in the proper period. Accounting estimates are an integral part of the financial statements prepared by management and are based on management's knowledge and experience about past and current events and assumptions about future events. Certain accounting estimates are particularly sensitive because of their significance to the financial statements and because of the possibility that future events affecting them may differ significantly from those expected. The most sensitive estimates affecting the financial statements were depreciation on capital assets, payroll related expenses, the liability for the Utilities' Other Post-Employment Benefits (OPEB), and the liability for the Utilities' pensions. • Management's estimate of depreciation is based on estimated useful lives of the assets. Depreciation is calculated using the straight-line method. • Allocations of gross wages and payroll benefits are approved by the Board within the Utilities' budget and are derived from each employee's estimated time to be spent servicing the respective functions of the Utility. These allocations are also used in allocating accrued compensated absences payable. • Management's estimate of its OPEB liability is based on several factors including, but not limited to, anticipated retirement age for active employees, life expectancy, turnover, and healthcare cost trend rate. • Management's estimate of its pension liability is based on several factors including, but not limited to, anticipated investment return rate, retirement age for active employees, life expectancy, salary increases and form of annuity payment upon retirement. We evaluated the key factors and assumptions used to develop these accounting estimates in determining that it is reasonable in relation to the financial statements taken as a whole. The disclosures in the financial statements are neutral, consistent, and clear. Certain financial statement disclosures are particularly sensitive because of their significance to financial statement users. Difficulties Encountered in Performing the Audit We encountered no significant difficulties in dealing with management in performing and completing our audit. Corrected and Uncorrected Misstatements Professional standards require us to accumulate all known and likely misstatements identified during the audit, other than those that are trivial, and communicate them to the appropriate level of management. Management has corrected all such misstatements. In addition, none of the misstatements detected as a result of audit procedures and corrected by management were material, either individually or in the aggregate, to each opinion unit's financial statements taken as a whole. Management Representations We have requested certain representations from management that are included in the management representation letter dated March 28, 2018. People +Process. Going I3e end th, 3 \Biber s 53 Disagreements with Management For purposes of this letter, professional standards define a disagreement with management as a financial accounting, reporting, or auditing matter, whether or not resolved to our satisfaction, that could be significant to the financial statements or the auditor's report. We are pleased to report that no such disagreements arose during the course of our audit. Management Consultations with Other Independent Accountants In some cases, management may decide to consult with other accountants about auditing and accounting matters, similar to obtaining a "second opinion" on certain situations. If a consultation involves application of an accounting principle to the governmental unit's financial statements or a determination of the type of auditor's opinion that may be expressed on those statements, our professional standards require the consulting accountant to check with us to determine that the consultant has all the relevant facts. To our knowledge, there were no such consultations with other accountants. Other Audit Findings or Issues We generally discuss a variety of matters, including the application of accounting principles and auditing standards, with management each year prior to retention as the Utilities' auditors. However, these discussions occurred in the normal course of our professional relationship and our responses were not a condition to our retention. Other Matters We applied certain limited procedures to the required supplementary information (RSI) (Management's Discussion and Analysis, Schedule of Funding Progress for the Other Postemployment Benefit Plan, the Schedule of Employer's Share of the Net Pension Liability and the Schedule of Employer's Contributions), which is information that supplements the basic financial statements. Our procedures consisted of inquiries of management regarding 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 did not audit the RSI and do not express an opinion or provide any assurance on the RSI. We were engaged to report on the supplementary information (Schedule of Operating Revenues and Expense), which accompany the financial statements but are not RSI. With respect to this supplementary information, we made certain inquiries of management and evaluated the form, content, and methods of preparing the information to determine that the information complies with accounting principles generally accepted in the United States of America, the method of preparing it has not changed from the prior period, and the information is appropriate and complete in relation to our audit of the financial statements. We compared and reconciled the supplementary information to the underlying accounting records used to prepare the financial statements or to the financial statements themselves. We were not engaged to report on the introductory section and supplementary information marked unaudited, which accompany the financial statements but are not RSI. We did not audit or perform other procedures on this other information and we do not express an opinion or provide any assurance on them. People +Process. Goma 13onc3 the 4 \t�li�bt s 54 The results of the operations for the Electric Fund in terms of cash flow and the breakdown of the cash balances for the past four years are as follows: Electric Fund Cash Flows - Excluding Refunding Bonds $40,000,000 $35,000,000 PIIIIIIIIMII $30,000,000 :: t:: ....i. .... ' rei.,11;:17,64.13.i'l'H,::::: ._ $15,000,000 ;; $10,000,000 '- all t 't 're?5'.: I: 1111111 $5,000,000 a [Z- ' . rr:Iiiiiiiiv,.,,,, .„.,...,,.., ._ N..,,,,,i,a,,„.4.,,,r. ce�QtS stiS � o�S cQ�5 e�N S e�Q � ee� P-e6tSe J O\ Sq 2�1y�eSq�te�eC2�16c5\40\.), 2�1�� p\5J` 2 ��eceQ5O� le'-ote;1,C\.\.s,.; p 201� 202016201 ■Operating costs I Debt payments ■Operating receipts Electric Fund Cash Balances $16,000,000 _ $14,680,691 $14,000,000 —$13,175,626 $13,803,692 $13,175,626 $12,000,000 $12,097,110 $10,000,000 IIIII $8,000,000 $6,000,000 $4,000,000 1111 $2,000,000 — $- , , I I 2014 2015 2016 2017 iii Unrestrictedr-------- mom for debt service (bond covenents) Unrestricted designated reserve* i * Unrestricted designated reserve: established to address the short-term financial variability inherent in operations. Potential sources of this variability include risks associated with natural disasters, reduction in overall customer usage, changes in total system usage resulting from the actions of large customers, failure to achieve budgeted levels of net income, changes in interest income, and general operational exposures. The target level for this reserve, included as the red line in the chart above, is the sum of six months operating expenditures less depreciation and less purchase power costs, plus the sum of next year's total principal and interest payments, plus one month budgeted average purchase power cost. The balance above this target level shall be unrestricted. The cash provided by operating activities has remained strong and was sufficient to cover the amount of capital and debt needs in 2017. We recommend that the Utilities continue to closely monitor future cash flow with the use of projections and the capital improvement plan. 111()I.11 (; oitlg l ieN oI 1(l t h,. 5 \tuft o's 55 The results of the Electric fund are as follows: Electric Operations Summary 2015 2016 2017 Total Percent Total Percent Total Percent Operating Revenues $ 32,551,722 100 % $ 34,464,396 100 % $ 36,120,824 100 % Operating Expenses 29,896,154 92 31,826,599 92 33,394,471 92 Operating Income 2,655,568 8 2,637,797 8 2,726,353 8 Nonoperating Revenues (Expenses) 267,243 1 8,991 - 145,034 - Income before Transfers 2,922,811 9 2,646,788 8 2,871,387 8 Special Item - - 330,923 1 - - Grants - - - - 40,000 - Capital Contribution from Customers - - - - 169,051 - Transfers to City (824,743) (3) (1,089,287) (3) (1,113,264) (3) Change in Net Position $ 2,098,068 6 % $ 1,888,424 6 % $ 1,967,174 5 % Cash and Temporary Investments $ 12,685,126 $ 13,683,031 $ 12,806,032 Restricted Cash $ 490,500 $ 997,660 $ 997,660 Bonds and Notes Payable, Net of Premium $ 5,124,743 $ 14,300,294 $ 13,348,282 $40,000,000 $35,000,000 $30,000,000 $25,000,000 $20,000,000 $15,000,000 $10,000,000 -1,� .`sem :4:vv.-, Pv4t'V 1E3t $5,000,000 2015 2016 2017 •Operating revenues w Operating expenses •Cash ■Bonds PeOple (;oiii BCv 11tlth„, 6 Viii ccs 5R The results of the operations for the Water Fund in terms of cash flow and the breakdown of the cash balances for the past four years are as follows: Water Fund Cash Flows $3,000,000 $2,500,000 $2,000,000 ill l. $1,500,000 I II::':1:::;,;;;:.'::::_1.:1"4.1 4 $1,000,000 ,,,,-..91.54,--.! rs $500,000A,filgrir ��ckec'e\9\- Jc e�ec'\S 1 �e°etC\' J( e�e'<`\• �6�eoetP' Jc 6(\e 1��eceP�S J( e�e��s S 20 O`S 2P .4o\5-(se `s 2P co`S 2� co`s 201� 2') `1,Q )1 `V 'Operating costs ==Debt payments •Operating receipts 1 Water Fund Cash Balances $6,000,000 ' $5,400,000 $5,335,070 $4,800,000 $4,367,165 $4,200,000 $4 255 964 $3,681,481 $3,600,000 $3,000,000 Milli $2,400,000 $1,800,000 $1,200,000 $600,000 $- I I , 2014 2015 2016 2017 Emu Unrestricted —A-Unrestricted designated reserve* * Unrestricted Designated Reserve: This reserve is established to address the short-term financial variability inherent in operating a Water Utility. Potential sources of this variability include but are not limited to: risks associated with natural disasters, reduction in overall customer usage, changes in total system usage resulting from the actions of large customers, failure to achieve budgeted levels of net income, changes in interest income, and general operational exposures. The target level for this reserve, included as the red line in the chart above, is 6 months operating expenditures less depreciation plus the sum of next year's total principal and interest payments. The balance above this target level shall be unrestricted. The cash provided by operating activities has remained strong and was sufficient to cover the amount of 1't'(1)1( capital and debt needs in 2017. As mentioned in the analysis of the Electric fund it is important to continue to monitor future cash need with the use of a projection and capital improvement plan. +I)rOress. (suing ii('\ IIIdtI 7 \uiiihcrs 57 The results of the Water fund are as follows: Water Operations Summary 2015 2016 2017 Total Percent Total Percent Total Percent Operating Revenues $ 2,202,537 100 % $ 2,173,521 100 % $ 2,326,245 100 Operating Expenses 2,414,295 110 2,474,141 114 2,805,989 121 Operating Income(Loss) (211,758) (10) (300,620) (14) (479,744) (21) Nonoperating Revenues (Expenses) 136,829 6 164,681 8 210,714 9 Income (Loss) before Contributions and Transfers (74,929) (4) (135,939) (6) (269,030) (12) Capital Contributions-Developer Infrastructure and Connection Fees 253,934 12 358,684 17 799,223 34 Capital Contributions From City 189,669 8 73,002 3 - - Transfers From City 94,703 4 300,000 14 - - Transfers to City (30,000) (1) - - - - Change in Net Position $ 433,377 19 % $ 595,747 28 % $ 530,193 22 % Cash and Temporary Investments $ 4,367,165 $ 4,255,964 $ 5,335,070 Bonds Payable, Net of Premium $ 1,868,859 $ 1,635,113 $ 1,390,284 $6,000,000 $5,000,000 — $4,000,000 .x x $3,000,000 $2,000,000milli nil $1,000,000 I 2015 2016 2017 ■Operating Revenues ■Operating Expenses ■Cash ■Bonds People +I'roci ss, Gini»g 13(1 )ti i,h„, 8 \uii1b<'rs 52 Future Accounting Standard Changes The following Governmental Accounting Standards Board (GASB) Statements have been issued and may have an impact on future the Utilities financial statements: (1) GASB Statement No. 75 - Accounting and Financial Reporting for Postemployment Benefit Plans Other than Pension Summary The primary objective of this Statement is to improve accounting and financial reporting by state and local governments for postemployment benefits other than pensions (other postemployment benefits or OPEB). It also improves information provided by state and local governmental employers about financial support for OPEB that is provided by other entities. This Statement results from a comprehensive review of the effectiveness of existing standards of accounting and financial reporting for all postemployment benefits (pensions and OPEB)with regard to providing decision-useful information, supporting assessments of accountability and interperiod equity, and creating additional transparency. This Statement replaces the requirements of Statements No. 45, Accounting and Financial Reporting by Employers for Postemployment Benefits Other than Pensions, as amended, and No. 57, OPEB Measurements by Agent Employers and Agent Multiple-Employer Plans, for OPEB. Statement No. 74, Financial Reporting for Postemployment Benefit Plans Other than Pension Plans, establishes new accounting and financial reporting requirements for OPEB plans. The scope of this Statement addresses accounting and financial reporting for OPEB that is provided to the employees of state and local governmental employers. This Statement establishes standards for recognizing and measuring liabilities, deferred outflows of resources, deferred inflows of resources, and expense/expenditures. For defined benefit OPEB, this Statement identifies the methods and assumptions that are required to be used to project benefit payments, discount projected benefit payments to their actuarial present value, and attribute that present value to periods of employee service. Note disclosure and required supplementary information requirements about defined benefit OPEB also are addressed. In addition, this Statement details the recognition and disclosure requirements for employers with payables to defined benefit OPEB plans that are administered through trusts that meet the specified criteria and for employers whose employees are provided with defined contribution OPEB. This Statement also addresses certain circumstances in which a nonemployer entity provides financial support for OPEB of employees of another entity. In this Statement, distinctions are made regarding the particular requirements depending upon whether the OPEB plans through which the benefits are provided are administered through trusts that meet the following criteria: • Contributions from employers and nonemployer contributing entities to the OPEB plan and earnings on those contributions are irrevocable. • OPEB plan assets are dedicated to providing OPEB to plan members in accordance with the benefit terms. • OPEB plan assets are legally protected from the creditors of employers, nonemployer contributing entities, the OPEB plan administrator, and the plan members. Effective Date This Statement is effective for fiscal years beginning after June 15, 2017. Earlier application is encouraged. How the Changes in This Statement Will Improve Financial Reporting The requirements of this Statement will improve the decision-usefulness of information in employer and governmental nonemployer contributing entity financial reports and will enhance its value for assessing accountability and interperiod equity by requiring recognition of the entire OPEB liability and a more comprehensive measure of OPEB expense. Decision-usefulness and accountability also will be enhanced through new note disclosures and required supplementary information, as follows: • More robust disclosures of assumptions will allow for better informed assessments of the reasonableness of OPEB measurements. People lCSS Going I3t'Notx1 the 9 \tiillbers 5A Future Accounting Standard Changes (Continued) • Explanations of how and why the OPEB liability changed from year to year will improve transparency. • The summary OPEB liability information, including ratios, will offer an indication of the extent to which the total OPEB liability is covered by resources held by the OPEB plan, if any. • For employers that provide benefits through OPEB plans that are administered through trusts that meet the specified criteria, the contribution schedules will provide measures to evaluate decisions related to contributions. The consistency, comparability, and transparency of the information reported by employers and governmental nonemployer contributing entities about OPEB transactions will be improved by requiring: • The use of a discount rate that considers the availability of the OPEB plan's fiduciary net position associated with the OPEB of current active and inactive employees and the investment horizon of those resources, rather than utilizing only the long-term expected rate of return regardless of whether the OPEB plan's fiduciary net position is projected to be sufficient to make projected benefit payments and is expected to be invested using a strategy to achieve that return. • A single method of attributing the actuarial present value of projected benefit payments to periods of employee service, rather than allowing a choice among six methods with additional variations. • Immediate recognition in OPEB expense, rather than a choice of recognition periods, of the effects of changes of benefit terms. • Recognition of OPEB expense that incorporates deferred outflows of resources and deferred inflows of resources related to OPEB over a defined, closed period, rather than a choice between an open or closed period. GASB Statement No. 83 - Certain Asset Retirement Obligations Summary This Statement addresses accounting and financial reporting for certain asset retirement obligations (AROs). An ARO is a legally enforceable liability associated with the retirement of a tangible capital asset. A government that has legal obligations to perform future asset retirement activities related to its tangible capital assets should recognize a liability based on the guidance in this Statement. This Statement establishes criteria for determining the timing and pattern of recognition of a liability and a corresponding deferred outflow of resources for AROs. This Statement requires that recognition occur when the liability is both incurred and reasonably estimable. The determination of when the liability is incurred should be based on the occurrence of external laws, regulations, contracts, or court judgments, together with the occurrence of an internal event that obligates a government to perform asset retirement activities. Laws and regulations may require governments to take specific actions to retire certain tangible capital assets at the end of the useful lives of those capital assets, such as decommissioning nuclear reactors and dismantling and removing sewage treatment plants. Other obligations to retire tangible capital assets may arise from contracts or court judgments. Internal obligating events include the occurrence of contamination, placing into operation a tangible capital asset that is required to be retired, abandoning a tangible capital asset before it is placed into operation, or acquiring a tangible capital asset that has an existing ARO. This Statement requires the measurement of an ARO to be based on the best estimate of the current value of outlays expected to be incurred. The best estimate should include probability weighting of all potential outcomes, when such information is available or can be obtained at reasonable cost. If probability weighting is not feasible at reasonable cost, the most likely amount should be used. This Statement requires that a deferred outflow of resources associated with an ARO be measured at the amount of the corresponding liability upon initial measurement. People +Process (moi nrivc 13eind tht. 10 Nutithens Future Accounting Standard Changes (Continued) This Statement requires the current value of a governments AROs to be adjusted for the effects of general inflation or deflation at least annually. In addition, it requires a government to evaluate all relevant factors at least annually to determine whether the effects of one or more of the factors are expected to significantly change the estimated asset retirement outlays. A government should remeasure an ARO only when the result of the evaluation indicates there is a significant change in the estimated outlays. The deferred outflows of resources should be reduced and recognized as outflows of resources (for example, as an expense) in a systematic and rational manner over the estimated useful life of the tangible capital asset. A government may have a minority share (less than 50 percent) of ownership interest in a jointly owned tangible capital asset in which a nongovernmental entity is the majority owner and reports its ARO in accordance with the guidance of another recognized accounting standards setter. Additionally, a government may have a minority share of ownership interest in a jointly owned tangible capital asset in which no joint owner has a majority ownership, and a nongovernmental joint owner that has operational responsibility for the jointly owned tangible capital asset reports the associated ARO in accordance with the guidance of another recognized accounting standards setter. In both situations, the government's minority share of an ARO should be reported using the measurement produced by the nongovernmental majority owner or the nongovernmental minority owner that has operational responsibility, without adjustment to conform to the liability measurement and recognition requirements of this Statement. In some cases, governments are legally required to provide funding or other financial assurance for their performance of asset retirement activities. This Statement requires disclosure of how those funding and assurance requirements are being met by a government, as well as the amount of any assets restricted for payment of the government's AROs, if not separately displayed in the financial statements. This Statement also requires disclosure of information about the nature of a government's AROs, the methods and assumptions used for the estimates of the liabilities, and the estimated remaining useful life of the associated tangible capital assets. If an ARO (or portions thereof) has been incurred by a government but is not yet recognized because it is not reasonably estimable, the government is required to disclose that fact and the reasons therefor. This Statement requires similar disclosures for a government's minority shares of AROs. Effective Date The requirements of this Statement are effective for reporting periods beginning after June 15, 2018. Earlier application is encouraged. How the Changes in This Statement Will Improve Financial Reporting This Statement will enhance comparability of financial statements among governments by establishing uniform criteria for governments to recognize and measure certain AROs, including obligations that may not have been previously reported. This Statement also will enhance the decision-usefulness of the information provided to financial statement users by requiring disclosures related to those AROs. GASB Statement No. 84-Fiduciary Activities Summary The objective of this Statement is to improve guidance regarding the identification of fiduciary activities for accounting and financial reporting purposes and how those activities should be reported. This Statement establishes criteria for identifying fiduciary activities of all state and local governments. The focus of the criteria generally is on (1)whether a government is controlling the assets of the fiduciary activity and (2)the beneficiaries with whom a fiduciary relationship exists. Separate criteria are included to identify fiduciary component units and postemployment benefit arrangements that are fiduciary activities. An activity meeting the criteria should be reported in a fiduciary fund in the basic financial statements. Governments with activities meeting the criteria should present a statement of fiduciary net position and a statement of changes in fiduciary net position. An exception to that requirement is provided for a business-type activity that normally expects to hold custodial assets for three months or less. People +Process Coil « 13( nd the 11 \wiAWE'S Al Future Accounting Standard Changes (Continued) This Statement describes four fiduciary funds that should be reported, if applicable: (1) pension (and other employee benefit) trust funds, (2) investment trust funds, (3) private-purpose trust funds, and (4) custodial funds. Custodial funds generally should report fiduciary activities that are not held in a trust or equivalent arrangement that meets specific criteria. A fiduciary component unit, when reported in the fiduciary fund financial statements of a primary government, should combine its information with its component units that are fiduciary component units and aggregate that combined information with the primary government's fiduciary funds. This Statement also provides for recognition of a liability to the beneficiaries in a fiduciary fund when an event has occurred that compels the government to disburse fiduciary resources. Events that compel a government to disburse fiduciary resources occur when a demand for the resources has been made or when no further action, approval, or condition is required to be taken or met by the beneficiary to release the assets. Effective Date The requirements of this Statement are effective for reporting periods beginning after December 15, 2018. Earlier application is encouraged. How the Changes in This Statement Will Improve Financial Reporting The requirements of this Statement will enhance consistency and comparability by (1) establishing specific criteria for identifying activities that should be reported as fiduciary activities and (2) clarifying whether and how business-type activities should report their fiduciary activities. Greater consistency and comparability enhances the value provided by the information reported in financial statements for assessing government accountability and stewardship. GASB Statement No. 85- Omnibus 2017 Summary The objective of this Statement is to address practice issues that have been identified during implementation and application of certain GASB Statements. This Statement addresses a variety of topics including issues related to blending component units, goodwill, fair value measurement and application, and postemployment benefits (pensions and other postemployment benefits [OPEB]). Specifically, this Statement addresses the following topics: • Blending a component unit in circumstances in which the primary government is a business-type activity that reports in a single column for financial statement presentation • Reporting amounts previously reported as goodwill and "negative" goodwill • Classifying real estate held by insurance entities • Measuring certain money market investments and participating interest-earning investment contracts at amortized cost • Timing of the measurement of pension or OPEB liabilities and expenditures recognized in financial statements prepared using the current financial resources measurement focus • Recognizing on-behalf payments for pensions or OPEB in employer financial statements • Presenting payroll-related measures in required supplementary information for purposes of reporting by OPEB plans and employers that provide OPEB • Classifying employer-paid member contributions for OPEB • Simplifying certain aspects of the alternative measurement method for OPEB • Accounting and financial reporting for OPEB provided through certain multiple-employer defined PeOlAC benefit OPEB plans. --Process,, Going Beyond 11w 12 Nu hl)er s F2 Future Accounting Standard Changes (Continued) Effective Date The requirements of this Statement are effective for reporting periods beginning after June 15, 2017. Earlier application is encouraged. How the Changes in This Statement Will Improve Financial Reporting The requirements of this Statement will enhance consistency in the application of accounting and financial reporting requirements. Consistent reporting will improve the usefulness of information for users of state and local government financial statements. GASB Statement No. 86 - Certain Debt Extinguishment Issues Summary The primary objective of this Statement is to improve consistency in accounting and financial reporting for in-substance defeasance of debt by providing guidance for transactions in which cash and other monetary assets acquired with only existing resources- resources other than the proceeds of refunding debt-are placed in an irrevocable trust for the sole purpose of extinguishing debt. This Statement also improves accounting and financial reporting for prepaid insurance on debt that is extinguished and notes to financial statements for debt that is defeased in substance. Effective Date The requirements of this Statement are effective for reporting periods beginning after June 15, 2017. Earlier application is encouraged. How the Changes in This Statement Will Improve Accounting and Financial Reporting The requirements of this Statement will increase consistency in accounting and financial reporting for debt extinguishments by establishing uniform guidance for derecognizing debt that is defeased in substance, regardless of how cash and other monetary assets placed in an irrevocable trust for the purpose of extinguishing that debt were acquired. The requirements of this Statement also will enhance consistency in financial reporting of prepaid insurance related to debt that has been extinguished. In addition, this Statement will enhance the decision-usefulness of information in notes to financial statements regarding debt that has been defeased in substance. GASB Statement No. 87 -Leases Summary The objective of this Statement is to better meet the information needs of financial statement users by improving accounting and financial reporting for leases by governments. This Statement increases the usefulness of governments' financial statements by requiring recognition of certain lease assets and liabilities for leases that previously were classified as operating leases and recognized as inflows of resources or outflows of resources based on the payment provisions of the contract. It establishes a single model for lease accounting based on the foundational principle that leases are financings of the right to use an underlying asset. Under this Statement, a lessee is required to recognize a lease liability and an intangible right-to-use lease asset, and a lessor is required to recognize a lease receivable and a deferred inflow of resources, thereby enhancing the relevance and consistency of information about governments' leasing activities. Effective Date and Transition The requirements of this Statement are effective for reporting periods beginning after December 15, 2019. Earlier application is encouraged. Leases should be recognized and measured using the facts and circumstances that exist at the beginning of the period of implementation (or, if applied to earlier periods, the beginning of the earliest period restated). However, lessors should not restate the assets underlying their existing sales-type or direct financing leases. Any residual assets for those leases become the carrying values of the underlying assets. People +Process Going 13en°rid 11w 13 \withers H:1 Future Accounting Standard Changes (Continued) How the Changes in This Statement Will Improve Accounting and Financial Reporting This Statement will increase the usefulness of governments' financial statements by requiring reporting of certain lease liabilities that currently are not reported. It will enhance comparability of financial statements among governments by requiring lessees and lessors to report leases under a single model. This Statement also will enhance the decision- usefulness of the information provided to financial statement users by requiring notes to financial statements related to the timing, significance, and purpose of a government's leasing arrangements. (1)Note. From GASB Pronouncements Summaries. Copyright 2017 by the Financial Accounting Foundation, 401 Merritt 7, Norwalk, CT 06856, USA, and is reproduced with permission. Restriction on Use This communication is intended solely for the information and use of the Public Utilities Commission, City Council, management, and the Minnesota Office of the State Auditor and is not intended to be and should not be used by anyone other than these specified parties. The comments and recommendations in this report are purely constructive in nature, and should be read in this context. Our audit would not necessarily disclose all weaknesses in the system because it was based on selected tests of accounting records and related data. If you have any questions or wish to discuss any of the items contained in this letter, please feel free to contact us at your convenience. We wish to thank you for the opportunity to be of service and for the courtesy and cooperation extended to us by your staff. , • titik 4 INIA0 )1t# ABDO, EICK& MEYERS, LLP Minneapolis, Minnesota March 28, 2018 People +Process. Goin; }3eNond ti 14 \Lai the r s 64 Annual Financial Report Elk River Municipal Utilities Elk River, Minnesota For the Year Ended December 31, 2017 ABDO EICK & MEYERS1,13 Caned Public Accountants&Consultants 65 THIS PAGE IS LEFT BLANK INTENTIONALLY RR Elk River Municipal Utilities Elk River, Minnesota Table of Contents For the Year Ended December 31, 2017 Page No. Introductory Section Public Utilities Commission and Administration 7 Financial Section Independent Auditor's Report 11 Management's Discussion and Analysis 15 Financial Statements Statement of Net Position 22 Statement of Revenues, Expenses and Changes in Net Position 25 Statement of Cash Flows 26 Notes to the Financial Statements 29 Required Supplementary Information Schedule of Employer's Share of Public Employees Retirement Association Net Pension Liability- General Employees Retirement Fund 50 Schedule of Employer's Public Employees Retirement Association Contributions- General Employees Retirement Fund 50 Schedule of Funding Progress for the Other Postemployment Benefit Plan 51 Supplementary Information Schedule of Operating Revenues and Expenses 54 Electric Fund Summary of Operations and Unaudited Statistics 56 Water Fund Summary of Operations and Unaudited Statistics 58 Other Report Independent Auditor's Report on Minnesota Legal Compliance 63 3 R7 THIS PAGE IS LEFT BLANK INTENTIONALLY 4 AR INTRODUCTORY SECTION ELK RIVER MUNICIPAL UTILITIES ELK RIVER, MINNESOTA FOR THE YEAR ENDED DECEMBER 31, 2017 5 F9 THIS PAGE IS LEFT BLANK INTENTIONALLY 6 71) Elk River Municipal Utilities Elk River, Minnesota Public Utilities Commission and Administration For the Year Ended December 31, 2017 COMMISSION Name Title John Dietz Chairperson Allan Nadeau Commissioner Daryl Thompson Vice-Chairperson Mary Stewart Commissioner Matt Westgaard Commissioner ADMINISTRATION Name Title Troy Adams General Manager Theresa Slominski Finance and Office Manager Eric Volk Water Superintendent Mark Fuchs Line Superintendent Mike Tietz Technical Services Superintendent Tom Sagstetter Conservation and Key Accounts Manager Michelle Canterbury Executive Administrative Assistant Jennie Nelson Customer Service Manager 7 71 THIS PAGE IS LEFT BLANK INTENTIONALLY 8 72 FINANCIAL SECTION ELK RIVER MUNICIPAL UTILITIES ELK RIVER, MINNESOTA FOR THE YEAR ENDED DECEMBER 31, 2017 9 7'3 THIS PAGE IS LEFT BLANK INTENTIONALLY 10 74 ABDO EICK & MEYERS LLP Certified Public Accountants& Consultants INDEPENDENT AUDITOR'S REPORT Public Utilities Commission Elk River Municipal Utilities Elk River, Minnesota Report on the Financial Statements We have audited the accompanying financial statements of the Elk River Municipal Utilities (the Utilities) of the City of Elk River, Minnesota (the City), as of and for the year ended December 31, 2017, and the related notes to the 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. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit 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 Utilities 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 Utilities internal control. Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion. Opinion In our opinion, the financial statements referred to above present fairly, in all material respects, the financial position of the Utilities as of December 31, 2017, and the changes in financial position and cash flows thereof for the year then ended in accordance with accounting principles generally accepted in the United States of America. 5201 Eden Avenue,Suite 250 Edina,MN 55436 11 952.835.9090 I Fax 952.835.3261 75 THIS PAGE IS LEFT BLANK INTENTIONALLY 12 7A Emphasis of Matter As discussed in Note 1 B, the financial statements present only the Electric and Water enterprise funds and do not purport to, and do not present fairly the financial position of the City as of December 31, 2017, the changes in its financial position, its cash flows for the year then ended in accordance with accounting principles generally accepted in the United States of America. Our opinion is not modified with respect to this matter. Other Matters Required Supplementary Information Accounting principles generally accepted in the United States of America require that the Management's Discussion and Analysis Page 15 and the Schedule of Employer's Share of the Net Pension Liability, the Schedule of Employer's Contributions and the Schedule of Funding Progress for Other Post-Employment Benefit Plan starting on page 50 be presented to supplement the basic financial statements. Such information, although not a part of the financial statements, is required by the Government Accounting Standards Board, who considers it to be an essential part of financial reporting for placing the financial statements in an appropriate operational, economic, or historical context. We have applied certain limited procedures to the required supplementary information in accordance with auditing standards generally accepted in the United States of America, which consisted of inquiries of management about the methods of preparing the information and comparing the information for consistency with management's responses to our inquiries, the basic financial statements, and other knowledge we obtained during our audit of the basic financial statements. We do not express an opinion or provide any assurance on the information because the limited procedures do not provide us with sufficient evidence to express an opinion or provide any assurance. Other Information Our audit was conducted for the purpose of forming opinions on the financial statements that collectively comprise the Utilities' financial statements as a whole. The introductory section and supplemental information listed in the table of contents are presented for the purpose of additional analysis and are not a required part of the financial statements of the Utilities. The supplemental information, except for the portion marked "unaudited" on which we express no opinion, has been subjected to the auditing procedures applied in the audits of the financial statements and, in our opinion, is fairly stated in all material respects in relation to the financial statements taken as a whole. The introductory section and the supplemental information marked "unaudited" have not been subjected to the auditing procedures applied in the audit of the financial statements and, accordingly, we do not express an opinion or provide any assurance on them. 11) H &tit.,4 ' . i .We I ABDO, EICK& MEYERS, LLP Minneapolis, Minnesota March 28, 2018 People, +Process. Going 13e\rardof 13 \ttrn ers 77 THIS PAGE IS LEFT BLANK INTENTIONALLY 14 7R Management's Discussion and Analysis This section of the Elk River Municipal Utilities (the Utilities) of the City of Elk River, Minnesota annual financial report presents our analysis of the Utilities' financial performance during the fiscal year that ended December 31, 2017. Please read it in conjunction with the financial statements, which follow this section. Financial Highlights • The assets and deferred outflows of resources of the Utilities exceeded its liabilities and deferred inflows of resources at the close of the most recent fiscal year by $60,692,325 (net position). Net Position increased by $2,497,367 or 4.3 percent. The increase is mainly due to revenues in excess of expenses during the year. • The Utilities' cash balance at the close of the current fiscal year was$19,138,762. • Electric usage overall was up an average of 4.0 percent. Residential usage increased 2.4 percent, Commercial usage increased 11.2 percent, and Industrial usage increased 3.7 percent. • Water usage overall was up an average of 4.4 percent from the prior year. Residential usage increased 8.0 percent, and Commercial usage increased 1.3 percent. Overview of the Financial Statements This annual report consists of three parts; Management's Discussion and Analysis, Financial Statements, and Supplementary Information. The Financial Statements also include notes that explain in more detail some of the information in the financial statements. Required Financial Statements The financial statements of the Utilities report information about the Utilities using accounting methods similar to those used by the private sector. These statements offer short-term and long-term financial information about its activities. The Statements of Net Position includes all of the Utilities' assets and liabilities and provides information about the nature and amounts of investments in resources (assets) and the obligations to Utilities' creditors (liabilities). It also provides the basis for computing rate of return, evaluating the capital structure of the Utilities and assessing the liquidity and financial flexibility of the Utilities. All of the current year's revenues and expenses are accounted for in the Statements of Revenues, Expenses and Changes in Net Position. This statement measures the success of the Utilities' operations over the past year and can be used to determine whether the Utilities' has successfully recovered all its costs through its user fees and other charges, profitability, and credit worthiness. The final required financial statement is the Statements of Cash Flows. The primary purpose of this statement is to provide information about the Utilities' cash receipts and cash payments during the reporting period. The statement reports cash receipts, cash payments and net changes in cash resulting from operations, investing and financing activities and provides answers to such questions as where did cash come from, what was cash used for and what was the change in the cash balance during the reporting period. 15 7q Financial Analysis of the Utilities Our analysis of the Utilities begins onpage 22 in the Financial Section. One of the most importantquestions asked about the Utilities' finances is"Is the Utilities as a whole better off or worse off as a result of this year's activities?"The Statement of Net Position, and the Statement of Revenues, Expenses and Changes in Net Position report information about the Utilities' activities in a way that will help answer this question. These two statements report the net position of the Utilities and changes in this net position. You can think of the Utilities' net position (the difference between assets and liabilities) as one way to measure financial health or financial position. Over time, increases or decreases in the Utilities' net position is one indicator of whether its financial health is improving or deteriorating. However, you will need to consider other non-financial factors such as changes in economic conditions, populationgrowth, zoning, and new or changed government legislation. Net Position. To begin our analysis, a summary of the Utilities' Statements of Net Position ispresented in Table A-1. As can be seen from the Table, net position increased $2,497,367 to$60,692,325 in fiscal 2017 up from $58,194,958 in fiscal 2016. TABLE A-1 Condensed Statement of Net Position Increase 2017 2016 (Decrease) Assets Current and other $ 24,002,032 $ 23,328,553 $ 673,479 Capital60,450,880 59,150,780 1,300,100 Total Assets 84,452,912 82,479,333 1,973,579 Total Deferred Outflows of Resources 1,094,877 1,685,181 (590,304) Liabilities Current 6,823,820 6,355,909 467,911 Non-current 17,254,683 19,156,552 (1,901,869) Total liabilities 24,078,503 25,512,461 (1,433,958) Total Deferred Inflows of Resources 776,961 457,095 319,866 Net Position Net investment in capital assets 45,755,479 43,266,893 2,488,586 Restricted for debt service 997,660 997,660 - Unrestricted 13,939,186 13,930,405 8,781 Total Net Position $ 60,692,325 $ 58,194,958 $ 2,497,367 16 80 Water and Electric Rates. Electric-The latest increase in the Utilities' electric rates was effective January 2018. The monthly base charges are based upon the type of service. The monthly charges are$13.50 for residential, $26.00 for commercial, and $75.00 for industrial customers. In addition to the base charges the residential rate is$.1370/kWh for May-September usage, and $.1215/kWh for October-April usage; the commercial rate is $.1314/kWh for May-September, and $.1095/kWh for October-April; the industrial rate is $.0667/kWh energy charge year round with a demand charge of $17.00/KW May-September, and $12.00/KW for October-April. Water-The Utilities' latest increase in residential and commercial rates was effective January 2018. The monthly base charge for residential customers is$9.04 per month. In addition to the base charge, the Utilities currently charges its residential customers $1.81 per 1,000 gallons up to 9,000 gallons, $3.50 per 1,000 gallons between 9,000 gallons and 15,000 gallons, and $4.00 per 1,000 gallons for usage above 15,000 gallons. Commercial customer's base charges are based upon meter size, and range from $10.84 to$114.52. An irrigation meter is $19.29 per month. There is also a charge per 1,000 gallons, the same tiers as the residential rates of$1.81, $3.50, and $4.00, except the graduation from the lower tier to the higher tier(s) is calculated based on previous consumption. The Utilities requires payment of all utility bills to be paid by the due date stated on the monthly bill. A ten percent penalty is assessed for payments not received by the due date. The Utility may discontinue service of a customer not complying with the disconnect policy of the Utility after receiving a written disconnect notice. Residential and Commercial/Industrial single phase electric customers that have their service discontinued will be charged a minimum of$50.00 to have their service reconnected. Commercial/Industrial three phase electric customers that have their service discontinued will be charged a minimum of$150.00 to have their service reconnected. Residential and Commercial/Industrial water customers that have their water shut-off will be charged a fee of$100.00 to have their water turned on/reconnected. There are no reconnections after 3:30 pm and payments for reconnection /turn on are not accepted at the property site; payments must be made prior to dispatching reconnection. Customers can come in to the office between the hours of 8:00 am and 4:30 pm to make the payment by cash, money order or credit card; or pay online or by phone with a credit card. The Utilities abides by the Cold Weather Rules. Deposit Policy. Per our Deposit Policy, the Utility collects social security numbers from new accounts and utilizes a credit risk assessment tool called "Online Utility Exchange" to determine if a deposit is necessary as a proactive measure to try and reduce uncollectible accounts. The amount of the deposit required will depend on the risk identified with the customer. For residential customers, if there is a 68 percent or higher probability of non-default and no negative history (no disconnection for non-payment or late payments two or more times within 12 months) there is no deposit required. If there is a lower than 68 percent probability of non- default, a deposit appropriate to the services supplied will be required before utility service will be extended. If the customer chooses not to provide a social security number, the deposit is automatically required. Residential deposit amounts are$100 for apartments, $100 for homes with water and sewer, $150 for homes with electric only services, and $250 for homes with all services (electric, water, and sewer). For commercial and industrial customers, a service agreement would need to be signed. Generally, a deposit of 2 times the estimated highest monthly bill will be required, with a minimum deposit of$250 for non-demand customers, and minimum deposit of$1,000 for demand customers. The deposit shall be in the form of a cash deposit, or an irrevocable letter of credit. The irrevocable letter of credit will be renewed as required and failure to do so will result in a charge equal to the amount of the letter of credit applied to the monthly utility bill and held by ERMU as a cash deposit. Deposits will be retained until the account is closed. The deposit will be returned to the customer within 45 days of termination of service, provided that the customer has paid in full all amounts due on the account. The appropriate interest will be applied to the account per state statutes. 17 81 Statements of Revenues, Expenses and Changes in Net Position.While the Statements of Net Position shows the change in financial assets/deferred outflows and liabilities/deferred inflows, the Statements of Revenues, Expenses and Changes in Net Position, provides answers as to the nature and source of these changes. As can be seen in Table A-2, revenues in excess of expenses was the main source of the increase in net position of$2,497,367 in fiscal 2017. A closer examination of the individual categories affecting the source of changes in net position is discussed below: TABLE A-2 Condensed Statements of Revenues, Expenses and Changes in Net Position Increase 2017 2016 (Decrease) Revenues Operating $ 38,447,069 $ 36,637,917 $ 1,809,152 Nonoperating 700,321 594,123 106,198 Total Revenues 39,147,390 37,232,040 1,915,350 Expenses Operating 36,200,460 34,300,740 1,899,720 Nonoperating 344,573 420,451 (75,878) Total Expenses 36,545,033 34,721,191 1,823,842 Income Before Contributions and Operating Transfers 2,602,357 2,510,849 91,508 Capital Contributions- Developer Infrastructure and Connection Fees 799,223 358,684 440,539 Capital Contributions of Asset From City - 73,002 (73,002) Grants 40,000 - 40,000 Contribution from Customers 169,051 - 169,051 Transfers From Other City Funds - 300,000 (300,000) Transfers to Other City Funds (1,113,264) (1,089,287) (23,977) Change in Net Position Before Special Item 2,497,367 2,153,248 344,119 Special Item - 330,923 (330,923) Change in Net Position 2,497,367 2,484,171 13,196 Net Position, January 1 58,194,958 55,885,878 2,309,080 Prior Period Adjustment - (175,091) 175,091 Net Position, December 31 $ 60,692,325 $ 58,194,958 $ 2,497,367 Revenues. Table A-2 shows that operating revenue increased by 4.9 percent in 2017 for the Electric and Water Departments combined. The Electric Department operating revenue was impacted partly by the territory acquisition in September 2017 adding approximately 480 customers, and also impacted by increased construction activity resulting in new customers. Nonoperating revenue is comprised of transmission rebate revenue in the Electric Department, and water tower lease revenue in the Water Department. Regarding transmission rebates, in 2007 the Electric Utility partnered with Midwest Municipal Transmission Group (MMTG) in order to have our transmission assets recognized in the Midwest Independent Transmission System Operator(MISO) market. In doing so, our transmission assets generate a revenue rebate, which in turn helps keep our rates down. In 2017, rebates received from our 2015 filings were approximately$11,000 per month. The Water Department is receiving lease revenue from Sprint and Verizon for antennas on the water towers. In 2017 this amount was approximately$209,000, and will continue for the duration of the multi-year contracts. 18 89 Both Electric and Water Department other revenues were greatly impacted with an increase in new construction activity. Water Connection Fees increased approximately$400,000 over the prior year as a result. Non-recurring items in 2016 were the sale of the security business line for a net amount of approximately$331,000 and a transfer from the City for water main construction of$300,000. Total Expenses. In reviewing total expenses in Table A-2 you will notice that there was an increase of 5.5 percent overall, with the electric department increasing 4.4 percent, and the water department increasing 0.9 percent. Purchased Power is the biggest electric department expense and it was up 5.8 percent. Capital Assets and Debt Administration Capital Assets. The Utilities' investment in capital assets for its business-type activities as of December 31, 2017 amounts to $60,450,880 (net of accumulated depreciation). This investment in capital assets includes land, buildings, improvements and equipment. A table summarizing the balances by fund follows: Increase 2017 2016 (Decrease) Land $ 678,921 $ 444,435 $ 234,486 Intangible 10,375,677 9,804,951 570,726 Land Improvements 6,129 7,065 (936) Buildings 1,931,083 2,129,112 (198,029) Machinery and Equipment 1,598,194 1,671,535 (73,341) Infrastructure 45,124,004 43,875,332 1,248,672 Construction in Progress 736,872 1,218,350 (481,478) Total $ 60,450,880 $ 59,150,780 $ 1,300,100 The total increase in the Utilities' investment in capital assets for the current fiscal year was 2.2 percent. Major capital asset events during the current fiscal year included the following: • The Electric Department acquired additional territory that included approximately 480 customers, increasing Infrastructure. • The Electric Department makes a loss of revenue payment as part of the cost of the territory acquisition, increasing Intangibles. • Construction in progress decreased as projects started in the previous year were completed in 2017. Additional information on the Utilities' capital assets can be found in Note 2B starting on page 36 of this report. Long-term Debt.At year end, the Utilities had $14,738,566 in long-term debt which decreased from $15,935,407 in fiscal 2016. The decrease is mainly due to regularly scheduled principal payments. More detailed information about the Utilities' long-term liabilities can be found in Note 2C starting on page 37 and below: Increase 2017 2016 (Decrease) G.O. Revenue Bonds $ 1,910,000 $ 2,230,000 $ (320,000) Revenue Bonds 11,325,000 11,955,000 (630,000) Unamortized Premium on Bonds 484,706 536,331 (51,625) Promissory Note 1,018,860 1,214,076 (195,216) Total $ 14,738,566 $ 15,935,407 $ (1,196,841) 19 83 Economic Factors and Next Year's Budgets and Rates The increased emphasis toward renewable energy and away from coal-based energy, the challenge to reduce energy and water consumption while still maintaining the existing infrastructure and the smart grid developments are all factors that point to potential increased cost in the coming years. It is the Utilities' goal to not have to rely on increasing rates to meet those increases but continue to look for ways to increase efficiencies and reduce costs, while providing excellent customer service. Elk River Municipal Utilities' mission is to provide safe, cost-effective, reliable, quality utilities in an environmentally and financially responsible manner. We have met that mission in our customer service delivery and our successful financial results, and will continue to strive to meet that mission in the future. Contacting the Utilities Financial Manager This financial report is designed to provide our citizens, customers, investors and creditors with a general overview of the Utilities' finances and to demonstrate the Utilities' accountability for the money it receives. Questions concerning any of the information provided in this report or requests for additional financial information should be addressed to Theresa Slominski, Elk River Municipal Utilities, PO Box 430, Elk River, Minnesota 55330-0430 or at 13069 Orono Parkway in Elk River, MN. 20 84 FINANCIAL STATEMENTS ELK RIVER MUNICIPAL UTILITIES ELK RIVER, MINNESOTA FOR THE YEAR ENDED DECEMBER 31, 2017 21 Elk River Municipal Utilities Elk River, Minnesota Statement of Net Position December 31, 2017 Electric Water Total Assets Current Assets Cash and temporary investments $ 12,806,032 $ 5,335,070 $ 18,141,102 Receivables Accrued interest 6,668 1,667 8,335 Accounts, net of allowance 3,259,576 109,579 3,369,155 Special assessments 2,982 67,618 70,600 Other receivables 68,732 15,596 84,328 Due from other City funds 10,875 129,349 140,224 Inventories 949,694 16,276 965,970 Prepaid expenses 192,083 32,575 224,658 Total Current Assets 17,296,642 5,707,730 23,004,372 Capital Assets Land 519,090 159,831 678,921 Intangible 10,375,677 - 10,375,677 Land improvements 23,389 - 23,389 Buildings 2,999,362 850,241 3,849,603 Equipment and machinery 3,265,761 457,148 3,722,909 Infrastructure 47,487,089 35,655,825 83,142,914 Construction in progress 672,161 64,711 736,872 Capital Assets, Cost 65,342,529 37,187,756 102,530,285 Less Accumulated Depreciation (25,640,860) (16,438,545) (42,079,405) Total Capital Assets, Net 39,701,669 20,749,211 60,450,880 Other Assets Restricted cash 997,660 - 997,660 Total Assets 57,995,971 26,456,941 84,452,912 Deferred Outflows of Resources Deferred charges on refunding 34,532 8,633 43,165 Deferred pension resources 881,867 169,845 1,051,712 Total Deferred Outflows of Resources 916,399 178,478 1,094,877 The notes to the financial statements are an integral part of this statement. 22 BR Elk River Municipal Utilities Elk River, Minnesota Statement of Net Position (Continued) December 31, 2017 Electric Water Total Current Liabilities Accounts payable $ 3,098,700 $ 47,026 $ 3,145,726 Salaries and benefits payable 101,571 14,563 116,134 Accrued interest payable 137,744 20,360 158,104 Due to other City funds 790,458 27,164 817,622 Due to other governments 163,029 2,002 165,031 Customer deposits payable 869,401 108,675 978,076 Unearned revenue - 93,336 93,336 Compensated absences -current portion 150,335 26,204 176,539 Notes payable-current portion 198,252 - 198,252 Bonds payable-current portion 720,000 255,000 975,000 Total Current Liabilities 6,229,490 594,330 6,823,820 Non-current Liabilities Net other postemployment benefits liability 77,143 1,394 78,537 Compensated absences- less current portion 142,346 21,162 163,508 Notes payable- less current portion 820,608 - 820,608 Bonds payable, net- less current portion 11,609,422 1,135,284 12,744,706 Pension liability 2,890,601 556,723 3,447,324 Total Non-current Liabilities 15,540,120 1,714,563 17,254,683 Total Liabilities 21,769,610 2,308,893 24,078,503 Deferred Inflows of Resources Deferred pension resources 651,486 125,475 776,961 Net Position Net investment in capital assets 26,387,919 19,367,560 45,755,479 Restricted for debt service 997,660 - 997,660 Unrestricted 9,105,695 4,833,491 13,939,186 Total Net Position $ 36,491,274 $ 24,201,051 $ 60,692,325 The notes to the financial statements are an integral part of this statement. 23 87 THIS PAGE IS LEFT BLANK INTENTIONALLY 24 AR Elk River Municipal Utilities Elk River, Minnesota Statement of Revenues, Expenses and Changes in Net Position For the Year Ended December 31, 2017 Electric Water Total Operating Revenues Charges for services $ 35,373,472 $ 2,252,751 $ 37,626,223 LFG project 1,084,589 - 1,084,589 Generation credit (814,341) - (814,341) Connection maintenance 234,365 54,231 288,596 Customer penalties 242,739 19,263 262,002 Total Operating Revenues 36,120,824 2,326,245 38,447,069 Operating Expenses Purchased power 25,402,576 - 25,402,576 Production 873,651 500,390 1,374,041 Distribution 1,511,612 154,675 1,666,287 Depreciation 2,046,935 1,191,894 3,238,829 Customer accounts 469,412 62,690 532,102 General and administrative 3,090,285 896,340 3,986,625 Total Operating Expenses 33,394,471 2,805,989 36,200,460 Operating Income (Loss) 2,726,353 (479,744) 2,246,609 Nonoperating Revenues (Expenses) Interest income 79,543 31,314 110,857 Miscellaneous revenue 344,558 227,406 571,964 Interest expense and other (294,219) (50,354) (344,573) Gain on sale of capital assets 15,152 2,348 17,500 Total Nonoperating Revenues (Expenses) 145,034 210,714 355,748 Income (Loss) before Contributions and Transfers 2,871,387 (269,030) 2,602,357 Capital Contributions- Connection Fees - 799,223 799,223 Grants 40,000 - 40,000 Contribution of Assets from City 169,051 - 169,051 Transfers to Other City Funds (1,113,264) - (1,113,264) Total Contributions and Transfers (904,213) 799,223 (104,990) Change in Net Position 1,967,174 530,193 2,497,367 Net Position, January 1 34,524,100 23,670,858 58,194,958 Net Position, December 31 $ 36,491,274 $ 24,201,051 $ 60,692,325 The notes to the financial statements are an integral part of this statement. 25 Elk River Municipal Utilities Elk River, Minnesota Statement of Cash Flows For the Year Ended December 31, 2017 Electric Water Total Cash Flows from Operating Activities Receipts from customers and users $ 35,680,481 $ 2,325,049 $ 38,005,530 Other operating cash receipts 332,851 219,519 552,370 Payments to suppliers (28,749,027) (884,758) (29,633,785) Payments to employees (2,473,566) (547,498) (3,021,064) Net Cash Provided by Operating Activities 4,790,739 1,112,312 5,903,051 Cash Flows from Noncapital Financing Activities Transfers to City (1,113,264) - (1,113,264) (Increase) decrease in due from other City funds (459) 299,940 299,481 Increase in due to other City funds 34,919 3,568 38,487 Net Cash Provided (Used) by Noncapital Financing Activities (1,078,804) 303,508 (775,296) Cash Flows from Capital and Related Financing Activities Acquisition of capital assets (3,423,737) (877,420) (4,301,157) Proceeds from sale of capital assets 15,152 7,448 22,600 Proceeds from connection fees - 799,223 799,223 Principal payments on revenue bonds (706,000) (244,000) (950,000) Interest paid on revenue bonds (356,558) (52,750) (409,308) Principal payments on promissory note (195,216) - (195,216) Net Cash Used by Capital and Related Financing Activities (4,666,359) (367,499) (5,033,858) Cash Flows from Investing Activities Interest on investments 77,425 30,785 108,210 Net Increase (Decrease) in Cash and Cash Equivalents (876,999) 1,079,106 202,107 Cash and Cash Equivalents, January 1 14,680,691 4,255,964 18,936,655 Cash and Cash Equivalents, December31 $ 13,803,692 $ 5,335,070 $ 19,138,762 Reconciliation of Cash and Cash Equivalents to the Statement of Net Position Cash and temporary investments $ 12,806,032 $ 5,335,070 $ 18,141,102 Restricted cash 997,660 - 997,660 Total Cash and Cash Equivalents $ 13,803,692 $ 5,335,070 $ 19,138,762 The notes to the financial statements are an integral part of this statement. 26 90 Elk River Municipal Utilities Elk River, Minnesota Statement of Cash Flows (Continued) For the Year Ended December 31, 2017 Electric Water Total Reconciliation of Operating Income (Loss) to Net Cash Provided by Operating Activities Operating income (loss) $ 2,726,353 $ (479,744) $ 2,246,609 Adjustments to reconcile operating income (loss) to net cash provided by operating activities Other revenue related to operations 344,558 227,406 571,964 Bad debt expense (2,280) 366 (1,914) Depreciation 2,046,935 1,191,894 3,238,829 (Increase) decrease in assets/deferred outflows: Accounts receivable (582,741) (16,656) (599,397) Other receivables (11,707) (7,887) (19,594) Special assessments receivable (1,358) 12,881 11,523 Inventories (156,314) (3,272) (159,586) Prepaid expenses 5,356 (4,594) 762 Deferred pension resources 603,156 (21,207) 581,949 Increase (decrease) in liabilities/deferred inflows: Accounts payable 256,717 (60,303) 196,414 Salaries and benefits payable 927 (920) 7 Net other postemployment benefits liability 6,598 1,394 7,992 Unearned revenue (875) 3,590 2,715 Compensated absences payable (16,326) 5,174 (11,152) Due to other governments 49,951 (123) 49,828 Customer deposits payable 144,631 (1,011) 143,620 Net pension liability (858,822) 181,438 (677,384) Deferred pension resources 235,980 83,886 319,866 Net Cash Provided by Operating Activities $ 4,790,739 $ 1,112,312 $ 5,903,051 Noncash Capital and Related Financing Activities Amortization of Bond Premium $ 50,796 $ 829 $ 51,625 Amortization of Deferred Charges on Refunding $ 6,684 $ 1,671 $ 8,355 Disposal of Capital Assets $ 45,880 $ 30,452 $ 76,332 Capital Assets Purchased on Account $ 570,725 $ - $ 570,725 Contribution of Capital Assets $ 209,051 $ - $ 209,051 The notes to the financial statements are an integral part of this statement. 27 91 THIS PAGE IS LEFT BLANK INTENTIONALLY 28 92 Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 1: Summary of Significant Accounting Policies A. Nature of the Business The Elk River Municipal Utilities (the Utilities) is a municipal utility established by action of the City of Elk River(the City) pursuant to Minnesota statute 412.321 and consequently it's Electric and Water funds are enterprise funds of the City. The Public Utilities Commission (the Commission) members are appointed by the City Council. The Commission determines all matters of policy. The Commission appoints personnel responsible for the proper administration of all affairs relating to the Utilities. The Utilities distributes electricity and water to the residents of Elk River, Dayton, Big Lake and Otsego, Minnesota. The Utilities has considered all potential units for which it is financially accountable, and other organizations for which the nature and significance of their relationship with the Utilities are such that exclusion would cause the Utilities' financial statements to be misleading or incomplete. The Governmental Accounting Standards Board (GASB) has set forth criteria to be considered in determining financial accountability. These criteria include appointing a voting majority of an organization's governing body, and (1) the ability of the primary government to impose its will on that organization or(2) the potential for the organization to provide specific benefits to, or impose specific financial burdens on the primary government. There are no component units. B. Measurement Focus, Basis of Accounting and Basis of Presentation The accounts of the Utilities are organized and operated on the basis of funds. A fund is an independent fiscal and accounting entity with a self-balancing set of accounts. Fund accounting segregates funds according to their intended purpose and is used to aid management in demonstrating compliance with finance-related legal and contractual provisions. The minimum number of funds is maintained consistently with legal and managerial requirements. Revenue resulting from exchange transactions, in which each party gives and receives essentially equal value, is recorded on the accrual basis when the exchange takes place. Non-exchange transactions, in which the Utilities receives value without directly giving equal value in return, include property taxes, grants, entitlements and donations. Revenue from property taxes is recognized in the year for which the tax is levied. Revenue from grants, entitlements and donations is recognized in the year in which all eligibility requirements have been satisfied. Eligibility requirements include timing requirements, which specify the year when the resources are required to be used or the year when use is first permitted, matching requirements, in which the Utilities must provide local resources to be used for a specified purpose, and expenditure requirements, in which the resources are provided to the Utilities on a reimbursement basis. Grants and entitlements received before eligibility requirements are met are also recorded as unearned revenue. The preparation of the financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect certain reported amounts and disclosures. Accordingly, actual results could differ from those estimates. Proprietary funds are accounted for on the flow of economic resources measurement focus and use the accrual basis of accounting. Under this method, revenues are recorded when earned and expenses are recorded at the time liabilities are incurred. Proprietary funds include the following fund type: Enterprise funds account for those operations that are financed and operated in a manner similar to private business or where the Utilities has decided that the determination of revenues earned, costs incurred and/or net income is necessary for management accountability. The Utilities reports the following major proprietary funds: The Electric fund accounts for the electric distribution operations. The Water fund accounts for the water distribution system. 29 93 Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 1: Summary of Significant Accounting Policies (Continued) 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 Electric and Water enterprise funds are charges to customers for sales and service. 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. C. Assets, Deferred Outflows of Resources, Liabilities, Deferred Inflows of Resources and Net Position Cash and Cash Equivalents The Utilities' cash and cash equivalents are considered to be cash on hand, demand deposits and short-term investments with original maturities of three months or less from the date of acquisition. Cash balances from all funds are pooled and invested, to the extent available, in certificates of deposit and other authorized investments. Earnings from such investments are allocated on the basis of applicable participation by each of the funds. The Utilities may also invest idle funds as authorized by Minnesota statutes, as follows: 1. Direct obligations or obligations guaranteed by the United States or its agencies. 2. Shares of investment companies registered under the Federal Investment Company Act of 1940 and received the highest credit rating, rated in one of the two highest rating categories by a statistical rating agency, and have a final maturity of thirteen months or less. 3. General obligations of a state or local government with taxing powers rated "A" or better; revenue obligations rated "AA" or better. 4. General obligations of the Minnesota Housing Finance Agency rated "A" or better. 5. Obligation of a school district with an original maturity not exceeding 13 months and (i) rated in the highest category by a national bond rating service or(ii) enrolled in the credit enhancement program pursuant to statute section 126C.55. 6. Bankers' acceptances of United States banks eligible for purchase by the Federal Reserve System. 7. Commercial paper issued by United States banks corporations or their Canadian subsidiaries, of highest quality category by at least two nationally recognized rating agencies, and maturing in 270 days or less. 8. Repurchase or reverse repurchase agreements and securities lending agreements with financial institutions qualified as a "depository" by the government entity, with banks that are members of the Federal Reserve System with capitalization exceeding $10,000,000, a primary reporting dealer in U.S. government securities to the Federal Reserve Bank of New York, or certain Minnesota securities broker-dealers. 9. Guaranteed Investment Contracts (GIC's) issued or guaranteed by a United States commercial bank, a domestic branch of a foreign bank, a United States insurance company, or its Canadian subsidiary, whose similar debt obligations were rated in one of the top two rating categories by a nationally recognized rating agency. Broker money market funds operate in accordance with appropriate state laws and regulations. The reported value of the pool is the same as the fair value of the shares. 30 A4 Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 1: Summary of Significant Accounting Policies (Continued) The Utilities 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. Level 1 inputs are quoted prices in active markets for identical assets; Level 2 inputs are significant other observable inputs; Level 3 inputs are significant unobservable inputs. The Utilities recurring fair value measurements are listed in detail on page 35 and are valued using a matrix pricing model (Level 2 inputs). The Utility has the following recurring fair value measurements as of December 31, 2017: • Negotiable certificates of deposit of$3,579,824 are valued using a matrix pricing model (Level 2 inputs) Restricted Assets The amounts in the restricted cash account are set aside in accordance with the issuing resolution for specific bond issues. They will be used for future debt service. Accounts Receivable Accounts receivable include amounts billed for services provided before year end. The Utilities has established a reserve for uncollectible accounts which is adjusted annually based on the receivable activity. No substantial losses from present receivable balances are anticipated. A summary of the uncollectible account balances at December 31, 2017 is as follows: 2017 Electric $ 109,845 Water 26,250 Total $ 136,095 Interfund Receivables and Payables Transactions between funds that are representative of lending/borrowing arrangements outstanding at the end of the fiscal year are referred to as either"interfund receivables/payables" (i.e., the current portion of interfund loans) or "advances to/from other funds" (i.e., the non-current portion of interfund loans). All other outstanding balances between funds are reported as "due to/from other funds". Inventories and Prepaid items y Inventories of materials and supplies are recorded at average cost, using the first-in, first out(FIFO) method. Certain payments to vendors reflect costs applicable to future accounting periods and are recorded as prepaid items. Capital Assets Capital assets are stated at cost. Capital assets are defined by the Utilities as assets with an initial individual cost of more than $5,000 and an estimated useful life in excess of two years. Expenditures for maintenance and repairs are charged to operations and expenditures that extend the useful life of the asset are capitalized and depreciated. When assets are retired or sold, the related cost and accumulated depreciation are removed from the accounts and any gain or loss on disposition is included in operations. Donated capital assets are recorded at acquisition value at the date of donation. Major expenditures for improvements or capital asset projects are capitalized as projects are constructed. 31 95 Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 1: Summary of Significant Accounting Policies (Continued) The Utilities follow the policy of providing depreciation on the straight-line method over the estimated useful lives of the assets, which are as follows: Lives in Years Description Electric Water Production 4 -20 25 -50 Transmission 30 0 Distribution 10 -33 25 -50 General 10 -50 10-50 Machinery, Tools, and Equipment 5- 10 5 - 10 Automobiles 3 -8 3-8 Deferred Outflows of Resources In addition to assets, the statement of net 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 Utility has two items, a deferred charge on refunding and deferred pension resources, which qualify for reporting in this category. A deferred charge on refunding results from the difference in the carrying value of refunded debt and its reacquisition price. This amount is deferred and amortized over the shorter of the life of the refunded or refunding debt. Deferred pension resources result from actuarial calculation and current year pension contributions subsequent to the measurement date. Compensated Absences Vacation:All vacation benefits can be carried over from year to year and will be payable upon termination. Unused vacation carryover is limited to the number of hours accrued during the previous year. Sick Leave: Sick leave can be accumulated to a maximum of 960 hours from year to year. Upon termination or retirement, employees will have 50 percent of unused sick leave, up to a maximum of 960 hours, converted to cash and deposited into their Post Health Care Savings account. The liability for vacation and sick pay is reported as a liability in the respective funds at year end. Postemployment Benefits other than Pensions Under Minnesota statute 471.61, subdivision 2b., public employers must allow retirees and their dependents to continue coverage indefinitely in an employer-sponsored health care plan, under the following conditions: 1) Retirees must be receiving (or eligible to receive) an annuity from a Minnesota public pension plan, 2) Coverage must continue in group plan until age 65, and retirees must pay no more than the group premium, and 3) Retirees may obtain dependent coverage immediately before retirement. All premiums are funded on a pay-as-you-go basis. The liability was actuarially determined, in accordance with GASB Statement 45, at January 1, 2017. 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. 32 AR Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 1: Summary of Significant Accounting Policies (Continued) Long-term Obligations Long-term debt is reflected as a liability in the fund issuing the obligation. Bond premiums and discounts are amortized over the life of the bonds using the straight-line method. Bond issuance costs are reported as an expense in the period incurred. Performance Metrics and Incentive Compensation Through Utilities Performance Metric-based Incentive Compensation system (UPMIC)the Utilities employees will have an opportunity, as a group, to each earn a maximum of 2 percent of their total gross wage paid during the Measurement Period. The percentage of UMPIC is calculated using a Score Card. The Score Card has three categories: Safety, Reliability and Quality of Utility Services which are divided into various weighted factors. This incentive was created to help the Utilities to become more efficient and successful in meeting strategic goals and mission and deliver improved value to the Utilities customers. The liability at year end is recorded as part of accrued wages. Deferred Inflows of Resources In addition to liabilities, the statement of net position and fund financial statements 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 Utility has only one type of item which qualifies for reporting in this category. The item, deferred pension resources, is reported only in the statement of net position and results from actuarial calculations. Net Position Net position represents the difference between assets and deferred outflows of resources and liabilities and deferred inflows of resources. Net position is displayed in three components: a. Net investment in capital assets -Consists of capital assets, net of accumulated depreciation reduced by any outstanding debt attributable to acquire capital assets. b. Restricted net position - Consists of net position restricted when there are limitations imposed on their use through external restrictions imposed by creditors, grantors, laws or regulations of other governments. c. Unrestricted net position -All other net position that do not meet the definition of"restricted" or"net investment in capital assets". When both restricted and unrestricted resources are available for use, it is the Utilities' policy to use restricted resources first, then unrestricted resources as they are needed. 33 A7 Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 2: Detailed Notes on All Funds A. Deposits and Investments Custodial credit risk for deposits and investments is the risk that in the event of a bank failure, the Utilities' deposits and investments may not be returned or the Utility will not be able to recover collateral securities in the possession of an outside party. In accordance with Minnesota statutes and as authorized by the Commission, the Utility maintains deposits at those depository banks, all of which are members of the Federal Reserve System. Minnesota statutes require that all Utility deposits be protected by insurance, surety bond or collateral. The market value of collateral pledged must equal 110 percent of the deposits not covered by insurance or bonds, with the exception of irrevocable standby letters of credit issued by Federal Home Loan Banks as this type of collateral only requires collateral pledged equal to 100 percent of the deposits not covered by insurance or bonds. Authorized collateral in lieu of a corporate surety bond includes: • United States government Treasury bills, Treasury notes, Treasury bonds; • Issues of United States government agencies and instrumentalities as quoted by a recognized industry quotation service available to the government entity; • General obligation securities of any state or local government with taxing powers which is rated "A" or better by a national bond rating service, or revenue obligation securities of any state or local government with taxing powers which is rated "AA" or better by a national bond rating service; • General obligation securities of a local government with taxing powers may be pledged as collateral against funds deposited by that same local government entity; • Irrevocable standby letters of credit issued by Federal Home Loan Banks to a municipality accompanied by written evidence that the bank's public debt is rated "AA" or better by Moody's Investors Service, Inc., or Standard & Poor's Corporation; and • Time deposits that are fully insured by any federal agency. Minnesota statutes require that all collateral shall be placed in safekeeping in a restricted account at a Federal Reserve Bank, or in an account at a trust department of a commercial bank or other financial institution that is not owned or controlled by the financial institution furnishing the collateral. The selection should be approved by the government entity. At December 31, 2017, the Utilities' carrying amount of deposits was$15,528,074 and the bank balance was $15,509,476. Of the bank balance$342,946 was covered by federal depository insurance, and the remaining balance was covered by collateral held by the pledging financial institution's agent in the Utilities' name. 34 AR Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 2: Detailed Notes on All Funds (continued) Investments The Utilities' investment balances were as follows for December 31, 2017: Credit Segmented Quality/ Time Fair Value Measurement Using Types of Investments Ratings(1) Distribution(2) Amount Level 1 Level 2 Level 3 Pooled Investments Broker Money Markets N/A less than 6 months $ 30,064 Non-pooled Investments Negotiable certificates of deposits N/A less than 6 months 1,464,627 $ - $ 1,464,627 $ Negotiable certificates of deposits N/A 6 months to 1 year 726,425 - 726,425 Negotiable certificates of deposits N/A 1 to 3 years 1,388,772 - 1,388,772 Total Non-pooled Investments 3,579,824 - 3,579,824 Total Investments $ 3,609,888 $ - $ 3,579,824 $ (1) Ratings were provided by various credit rating agencies where applicable to indicate associated credit risk. (2) Interest rate risk is disclosed using the segmented time distribution method. N/A Indicates not applicable. A reconciliation of cash and temporary investments as shown in the financial statements for the Utilities follows: 2017 Deposits $ 15,528,074 Investments 3,609,888 Cash on Hand 800 Total $ 19,138,762 Cash and Temporary Investments Unrestricted $ 18,141,102 Restricted 997,660 Total $ 19,138,762 The investments of the Utility are subject to the following risks: • Credit Risk. Is the risk that an issuer or other counterparty to an investment will not fulfill its obligations. Ratings are provided by various credit rating agencies and where applicable, indicate associated credit risk. Minnesota statutes and the Utilities' investment policy limit the Utilities' investments to the list on page 30 of the notes. • Custodial Credit Risk. The custodial credit risk for investments is the risk that, in the event of the failure of the counterparty to a transaction, a government will not be able to recover the value of investment or collateral securities that are in the possession of an outside party. According to their investment policy the Utilities' portfolio maturities shall be staggered to avoid undue concentration of assets with one broker-dealer or financial institution. 35 Aq Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 2: Detailed Notes on All Funds (Continued) • Concentration of Credit Risk. Is the risk of loss attributed to the magnitude of a government's investment in a single issuer. According to their investment policy the Utilities' portfolio maturities shall be staggered to avoid undue concentration of assets in any one type of instrument. • Interest Rate Risk. Is the risk that changes in interest rates will adversely affect the fair value of an investment. According to their investment policy the Utilities'will stagger maturities to avoid undue concentration of assets at a specific maturity sector. B. Capital Assets Capital asset activity for the year ended December 31, 2017 was as follows: Beginning Ending Balance Increases Decreases Balance Capital Assets not being Depreciated Land $ 444,435 $ 234,486 $ - $ 678,921 Intangible 9,804,951 570,726 - 10,375,677 Construction in progress 1,218,350 4,196,615 (4,678,093) 736,872 Total Capital Assets not being Depreciated 11,467,736 5,001,827 (4,678,093) 11,791,470 Capital Assets being Depreciated Land improvements 23,389 - - 23,389 Buildings 3,932,733 136,764 (219,894) 3,849,603 Machinery and equipment 3,581,095 204,365 (62,551) 3,722,909 Infrastructure 79,057,635 4,094,021 (8,742) 83,142,914 Total Capital Assets being Depreciated 86,594,852 4,435,150 (291,187) 90,738,815 Less Accumulated Depreciation for Land improvements (16,324) (936) - (17,260) Buildings (1,803,621) (119,938) 5,039 (1,918,520) Machinery and equipment (1,909,560) (277,706) 62,551 (2,124,715) Infrastructure (35,182,303) (2,840,249) 3,642 (38,018,910) Total Accumulated Depreciation (38,911,808) (3,238,829) 71,232 (42,079,405) Total Capital Assets being Depreciated, Net 47,683,044 1,196,321 (219,955) 48,659,410 Business-type Activities Capital Assets, Net $ 59,150,780 $ 6,198,148 $ (4,898,048) $ 60,450,880 36 1 00 Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 2: Detailed Notes on All Funds (Continued) Depreciation expense was charged to functions/programs of the Utilities as follows: 2017 Business-type Activities Electric $ 2,046,935 Water 1,191,894 Total Depreciation Expense- Business-type Activities $ 3,238,829 C. Long-term Debt General Obligation Revenue Bonds The City of Elk River issues general obligation bonds to provide funds for the acquisition and construction of major capital facilities. The following bonds are to be paid out of Utilities' revenues and are backed by the full faith and credit of the City. Authorized Interest Issue Maturity Balance at Description and Issued Rate Date Date Year End G.O. Water Revenue Refunding Bonds of 2008 $ 3,085,000 2.75 -3.65 % 02/20/08 02/01/22 $ 1,255,000 G.O. Capital Improvement Plan Bonds of 2010A 1,265,000 2.00 -4.00 04/21/10 08/01/23 655,000 Total G.O. Revenue Bonds $ 1,910,000 The annual debt service requirements to maturity for the general obligation revenue bonds are as follows: Year Ending December 31, Principal Interest Total 2018 $ 335,000 $ 63,948 $ 398,948 2019 340,000 51,990 391,990 2020 355,000 39,498 394,498 2021 370,000 26,270 396,270 2022 385,000 12,228 397,228 2023 125,000 2,500 127,500 Total $ 1,910,000 $ 196,434 $ 2,106,434 The G.O. revenue bonds were issued to finance capital improvements and are to be repaid from future revenues pledged from the Water and Electric funds and are backed by the full faith and credit of the Utilities. In 2017, annual principal and interest payment on the bonds required about 0.3% percent of revenues from the Electric fund. The principal and interest paid and total customer revenues for the Electric fund were$98,100 and $36,120,824, respectively. In 2017, annual principal and interest payment on the bonds required about 12.8% percent of revenues from the Water fund. The principal and interest paid and total customer revenues for the Water fund were $296,750 and $2,326,245, respectively. 37 1n1 Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 2: Detailed Notes on All Funds (Continued) Revenue Bonds The following bonds were issued to finance capital improvements in the Electric fund. They will be retired from net revenues of the fund. Authorized Interest Issue Maturity Balance at Description and Issued Rate Date Date Year End Electric Revenue Refunding Bonds, Series 2014A $ 2,030,000 2.00-4.00 % 03/13/14 08/01/18 $ 420,000 Electric Revenue Bonds, Series 2016A 9,755,000 2.00-4.00 07/14/16 02/01/36 9,755,000 Electric Revenue Refunding Bonds, Series 2016B 1,370,000 2.00-4.00 07/14/16 02/01/22 1,150,000 Total Revenue Bonds $ 11,325,000 The annual debt service requirements to maturity for the revenue bonds are as follows: Year Ending December 31, Principal Interest Total 2018 $ 640,000 $ 307,425 $ 947,425 2019 635,000 286,375 921,375 2020 665,000 264,925 929,925 2021 680,000 242,675 922,675 2022 710,000 219,575 929,575 2023-2027 2,550,000 862,450 3,412,450 2028-2032 2,870,000 553,994 3,423,994 2033-2036 2,575,000 156,956 2,731,956 Total $ 11,325,000 $ 2,894,375 $ 14,219,375 The revenue bonds were issued to finance the acquisition and construction of major capital facilities and are to be repaid from future revenues pledged from the Electric fund. In 2017, annual principal and interest payment on the bonds required about 2.7% percent of revenues from the Electric fund. Principal and interest paid and total customer revenues for the Electric fund were $964,458 and $36,120,824, respectively. Promissory Note The Utilities has issued a promissory note to provide for construction of a landfill gas generator. The note is to be paid from revenue of the system and is secured by the facility. Authorized Interest Issue Maturity Balance at Description and Issued Rate Date Date Year End Landfill Generator Note $ 3,521,000 - % 03/19/02 02/19/22 $ 1,018,860 38 102 Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 2: Detailed Notes on All Funds (Continued) The annual debt service requirements to maturity for the generator note are as follows: Year Ending December 31, Principal Interest Total 2018 $ 198,252 $ - $ 198,252 2019 200,916 - 200,916 2020 203,952 - 203,952 2021 206,616 - 206,616 2022 209,124 - 209,124 Total $ 1,018,860 $ - $ 1,018,860 Changes in Long-term Liabilities Long-term liability activity for the year ended December 31, 2017 was as follows: Beginning Ending Due Within Balance Increases Decreases Balance One Year Business-type Activities Bonds Payable General obligation revenue bonds $ 2,230,000 $ - $ (320,000) $ 1,910,000 $ 335,000 Revenue bonds 11,955,000 - (630,000) 11,325,000 640,000 Unamortized premium on bonds 536,331 - (51,625) 484,706 - Total Bonds Payable, Net 14,721,331 - (1,001,625) 13,719,706 975,000 Notes Payable 1,214,076 - (195,216) 1,018,860 198,252 Compensated Absences Payable 351,199 271,462 (282,614) 340,047 176,539 Net Pension Liability GERF 4,124,708 243,070 (920,454) 3,447,324 - OPEB Liability 70,545 10,411 (2,419) 78,537 - Business-type Activity Long-term Liabilities $ 20,481,859 $ 524,943 $ (2,402,328) $ 18,604,474 $ 1,349,791 39 1n3 Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 2: Detailed Notes on All Funds (Continued) D. Interfund Receivables, Payables and Transfers The composition of interfund balances at year end is as follows: Receivable Fund Payable Fund Amount Purpose Electric City $ 2,904 Franchise fee rebate Electric City 3,600 Supplies Electric City 2,615 4th quarter billings Electric City 1,756 PERA aid Total Electric Fund Receivable From City 10,875 Water City 60 Franchise fee rebate Water City 439 PERA aid Water City 128,850 TIF 22 Water Access Charge Total Water Fund Receivable From City 129,349 Total Receivable From City $ 140,224 City Electric $ 82,331 Shared costs City Electric 8,628 Supplies City Electric 89,668 December transfer of 4% of revenue City Electric 285,145 4th quarter franchise fees City Electric 173,336 Billed sewer on behalf of City City Electric 112,864 Billed garbage on behalf of City City Electric 38,486 Billed stormwater on behalf of City Total Electric Fund Payable to City 790,458 City Water 25,583 Shared costs City Water 1,581 Supplies Total Water Fund Payable to City 27,164 Total Payable to City $ 817,622 The transfer out of the Electric fund was the annual transfer of 4 percent of 2017 revenues to City funds. The Electric fund transferred $1,113,264 in 2017. 40 104 Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 3: Defined Benefit Pension Plans - Statewide A. Plan Description The Utilities 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. General Employees Retirement Fund (GERF) All full-time and certain part-time employees of the Utility are covered by the General Employees Retirement Fund (GERF). GERF members belong to either the Coordinated Plan or the Basic Plan. Coordinated Plan members are covered by Social Security and Basic Plan members are not. The Basic Plan was closed to new members in 1967. All new members must participate in the Coordinated Plan. B. Benefits Provided PERA provides retirement, disability and death benefits. Benefit provisions are established by Minnesota statute and can only be modified by the state legislature. Benefit increases are provided to benefit recipients each January. Increases are related to the funding ratio of the plan. Members in plans that are at least 90 percent funded for two consecutive years are given 2.5 percent increases. Members in plans that have not exceeded 90 percent funded, or have fallen below 80 percent, are given 1.0 percent increases. The benefit provisions stated in the following paragraphs of this section are current provisions and apply to active plan participants. Vested, terminated employees who are entitled to benefits but are not receiving them yet are bound by the provisions in effect at the time they last terminated their public service. GERF Benefits Benefits are based on a member's highest average salary for any five successive years of allowable service, age, and years of credit at termination of service. Two methods are used to compute benefits for PERA's Coordinated and Basic Plan members. The retiring member receives the higher of a step-rate benefit accrual formula (Method 1) or a level accrual formula (Method 2). Under Method 1, the annuity accrual rate for a Basic Plan member is 2.2 percent of average salary for each of the first ten years of service and 2.7 percent for each remaining year. The annuity accrual rate for a Coordinated Plan member is 1.2 percent of average salary for each of the first ten years and 1.7 percent for each remaining year. Under Method 2, the annuity accrual rate is 2.7 percent of average salary for Basic Plan members and 1.7 percent for Coordinated Plan members for each year of service. For members hired prior to July 1, 1989, a full annuity is available when age plus years of service equal 90 and normal retirement age is 65. For members hired on or after July 1, 1989, normal retirement age is the age for unreduced Social Security benefits capped at 66. C. Contributions Minnesota statutes chapter 353 sets the rates for employer and employee contributions. Contribution rates can only be modified by the state legislature. GERF Contributions Basic Plan members and Coordinated Plan members were required to contribute 9.10 percent and 6.50 percent, respectively, of their annual covered salary in calendar year 2017. The Utilities was required to contribute 11.78 percent of pay for Basic Plan members and 7.50 percent for Coordinated Plan members in calendar year 2017. The Utilities contributions to the GERF for the years ending December 31, 2017, 2016 and 2015 were$257,780, $244,012 and $230,074, respectively. The Utilities contributions were equal to the contractually required contributions for each year as set by Minnesota statute. 41 1n5 Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 3: Defined Benefit Pension Plans - Statewide (Continued) D. Pension Costs GERF Pension Costs At December 31, 2017, the Utilities reported a liability of$3,447,324 for its proportionate share of the GERF's net pension liability. The Utilities net pension liability reflected a reduction due to the State of Minnesota's contribution of$6 million to the fund in 2017. 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 Utilities totaled $43,337. The net pension liability was measured as of June 30, 2017, and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The Utilities proportion of the net pension liability was based on the Utilities contributions received by PERA during the measurement period for employer payroll paid dates from July 1, 2016 through June 30, 2017 relative to the total employer contributions received from all of PERA's participating employers. At June 30, 2017, the Utilities proportionate share was 0.054 percent which was an increase of 0.0032 percent from its proportion measured as of June 30, 2016. For the year ended December 31, 2017, the Utilities recognized pension expense of$222,443 for its proportionate share of GERF's pension expense. In addition, the Utilities recognized an additional $3,240 as pension expense (and grant revenue)for its proportionate share of the State of Minnesota's contribution of$6 million to the GERF. At December 31, 2017, the Utilities reported its proportionate share of GERF's deferred outflows of resources and deferred inflows of resources, and its contributions subsequent to the measurement date, from the following sources: Deferred Deferred Outflows Inflows of Resources of Resources Differences between Expected and Actual Experience $ 114,606 $ 229,078 Changes in Actuarial Assumptions 579,000 345,595 Net Difference between Projected and Actual Earnings on Plan Investments - 148,182 Changes in Proportion 229,352 54,106 Contributions to GERF Subsequent to the Measurement Date 128,754 - Total $ 1,051,712 $ 776,961 Deferred outflows of resources totaling $128,754 related to pensions resulting from the Utility's contributions to GERF subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ended December 31, 2018. Other amounts reported as deferred outflows and inflows of resources related to GERF pensions will be recognized in pension expense as follows: 2018 $ 28,974 2019 282,198 2020 (18,836) 2021 (146,339) 42 1DA Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 3: Defined Benefit Pension Plans - Statewide (Continued) E. Actuarial Assumptions The total pension liability in the June 30, 2017 actuarial valuation was determined using the following actuarial assumptions: Inflation 2.50% per year Active Member Payroll Growth 3.25% per year Investment Rate of Return 7.50% Salary increases were based on a service-related table. Mortality rates for active members, retirees, survivors and disabilitants were based on RP-2014 tables for all plans for males or females, as appropriate, with slight adjustments to fit PERA's experience. Cost of living benefit increases for retirees are assumed to be: 1 percent per year for the GERF through 2044 and then 2.5 percent thereafter for both plans. Actuarial assumptions used in the June 30, 2017 valuation were based on the results of actuarial experience studies. The most recent four-year experience study in the GERF was completed in 2015. The following changes in actuarial assumptions occurred in 2017: GERF • The Combined Service Annuity (CSA) loads were changed from 0.8 percent for active members and 60 percent for vested and non-vested deferred members. The revised CSA loads are now 0.0 percent for active member liability, 15.0 percent for vested deferred member liability and 3.0 percent for non-vested deferred member liability. • The assumed post-retirement benefit increase rate was changed from 1.0 percent per year for all years to 1.0 percent per year through 2044 and 2.5 percent per year thereafter. The State Board of Investment, which manages the investments of PERA, prepares an analysis of the reasonableness on a regular basis of the long-term expected rate of return using a building-block method in which best-estimate ranges of expected future rates of return are developed for each major asset class. These ranges are combined to produce an expected long-term rate of return by weighting the expected future rates of return by the target asset allocation percentages. The target allocation and best estimates of geometric real rates of return for each major asset class are summarized in the following table: Long-term Target Expected Real Asset Class Allocation Rate of Return Domestic Stocks 39.00 % 5.10 % International Stocks 19.00 5.30 Bonds 20.00 0.75 Alternative Assets 20.00 5.90 Cash 2.00 - Total 100.00 % 43 1n7 Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 3: Defined Benefit Pension Plans - Statewide (Continued) F. Discount Rate The discount rate used to measure the total pension liability in 2017 was 7.50 percent. 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 these assumptions, the fiduciary net position of the GERF was projected to be available to make all projected future benefit payments of current plan members. Therefore, the long-term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to determine the total pension liability. G. Pension Liability Sensitivity The following presents the Utilities 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 Utilities 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: Utilities Proportionate Share of NPL 1 Percent 1 Percent Decrease (6.50%) Current(7.50%) Increase (8.50%) GERF $ 5,347,056 $ 3,447,324 $ 1,892,049 H. Pension Plan Fiduciary Net Position Detailed information about each pension plan's fiduciary net position is available in a separately-issued PERA financial report that includes financial statements and required supplementary information. That report may be obtained on the Internet at www.mnpera.org. Note 4: Other Information A. Territorial Acquisition Agreement In 1991, the Utilities entered into a 20 year agreement to transfer ownership of electric plant and electric service to customers in certain areas receiving electric service from Anoka Electric Cooperative, Inc. (AEC). In 2010 the Utility completed the final purchase under this agreement. The agreed cost of property purchased from AEC is net book value. The Utilities also pays AEC for loss of revenue for each area acquired based on a formula outlined in the agreement. In addition, the Utilities will compensate AEC for the loss of revenue from the future sale of electricity to electric customers in the areas acquired from AEC for a period of ten years from the date of sale of each individual area. The Utilities paid $268 in 2017 for loss of revenues under this agreement. All amounts paid are included in property and equipment. In 2015, the Utilities entered into an agreement to transfer ownership of electric plant and electric service to customers in eight designated areas receiving service from Connexus Energy. Specific payment terms have been negotiated for 5 years, and if any of the eight areas are not acquired within this timeframe, the payment terms may be renegotiated. The agreed cost of property purchased from Connexus Energy is net book value, integration expenses, and a loss of revenue payment. The loss of revenue payment for each area acquired is based on a formula outlined in the agreement, payable for the subsequent ten years after initial purchase. 44 1ns Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 4: Other Information (Continued) The Utilities acquired designated service area 1 in 2015 for$877,807 and service area 2 in 2016 for$663,586. Service areas 3 and 4 were acquired in 2017, for$276,776. The loss of revenue payments made were$411,157 in 2017, and $570,725 in 2018. All amounts paid are included in property and equipment, and loss of revenue payments are included in intangible assets. B. Risk Management The Utilities 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 for which the Utilities carries commercial insurance. The Utilities obtains insurance through participation in the League of Minnesota Cities Insurance Trust(LMCIT), which is a risk sharing pool with approximately 800 other governmental units. The Utilities pays an annual premium to LMCIT for its workers compensation and property and casualty insurance. The LMCIT is self-sustaining through member premiums and will reinsure for claims above a prescribed dollar amount for each insurance event. Settled claims have not exceeded the Utilities' coverage in any of the past three fiscal years. Liabilities are reported when it is probable that a loss has occurred and the amount of the loss can be reasonably estimated. Liabilities, if any, include an amount for claims that have been incurred but not reported (IBNRs). The Utilities' management is not aware of any incurred but not reported claims. C. Commitments The Utilities has received notice from their power supplier regarding the existing all requirements power contract exercising their right to give ten years notice to cancel the contract. The cancellation date would be effective September 30, 2018. On May 14, 2013 the Utilities signed a new agreement with Minnesota Municipal Power Agency (MMPA). The Utilities entered into an agreement in 2007 with Central Minnesota Municipal Power Agency (CMMPA) to acquire an interest in the CAPX Initiative Brookings Project, a power transmission line in Minnesota. The project is a 250 mile, 345 kV AC transmission line with a rating of 2,300 MW, between Brookings, South Dakota, and the Southeast Twin Cities. In 2011 there was increased opportunity for investment, and subsequent agreements provide the Utilities with an ownership share of$5.6 million or 18.89 percent. The return on this investment through CMMPA is designed to provide approximately$124,000 annually over the 40 year project life. The transmission payments for 2017 were $22,050 of which $2,067 was receivable at December 31, 2017. Note 5: Postemployment Benefits Other Than Pensions Plan Description. Elk River Municipal Utilities (the Utilities) administers a multi-employer defined benefit healthcare plan ("the Retiree Health Plan"). The plan provides lifetime healthcare insurance for eligible retirees and their spouses through the Utilities group health insurance plan, which covers both active and retired members. Benefit provisions are reviewed intermittently through the relationship with the Utilities' insurance broker. The Retiree Health Plan does not issue a publicly available financial report. Funding Policy. Contribution requirements are also reviewed at the time changes are made to the plan. The Utility contributes none of the cost of current-year premiums for eligible retired plan members and their spouses. For fiscal year 2017, the Utility contributed $0 to the plan. Plan members receiving benefits contribute 100 percent of their premium costs. In fiscal year 2017, total member contributions were$0. 45 Ing Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 5: Postemployment Benefits Other Than Pensions (Continued) Annual OPEB Cost and Net OPEB Obligation. The Utilities' annual other postemployment benefit(OPEB) cost(expense) is calculated based on the annual required contribution of the employer(ARC). The Utility has elected to calculate the ARC and related information using the alternative measurement method permitted by GASB Statement 45 for employers in plans with fewer than one hundred total plan members. The ARC represents a level of funding that, if paid on an ongoing basis, is projected to cover normal cost each year and to amortize any unfunded actuarial liabilities (or funding excess) over a period not to exceed thirty years. The following table shows the components of the Utilities annual OPEB cost for the year, the amount actually contributed to the plan, and changes in the Utilities' net OPEB obligation to the Retiree Health Plan. Annual Required Contribution $ 10,411 Interest on Net OPEB Obligation 2,469 Adjustment to Annual Required Contribution (3,836) Annual OPEB Cost (Expense) 9,044 Contributions Made Implicit subsidy 1,052 Increase in Net OPEB Obligation 7,992 Net OPEB Obligation - Beginning of Year 70,545 Net OPEB Obligation - End of Year $ 78,537 The Utilities' annual OPEB cost, the amount and percentage of annual OPEB cost contributed to the plan, and the net OPEB obligation for December 31, 2017 and the preceding two fiscal years was as follows: Three Year Trend Information Percentage Year Annual Employer Annual OPEB Net OPEB Ending OPEB Cost Contribution Contributed Obligation 12/31/2017 $ 9,044 $ 1,052 12 % 78,537 12/31/2016 10,559 3,055 29 70,545 12/31/2015 10,260 2,151 21 63,041 Funded Status and Funding Progress. As of January 1, 2017, the actuarial accrued liability for benefits was $48,766, all of which was unfunded. The covered payroll (annual payroll of active employees covered by the plan) was$3,362,758 and the ratio of the unfunded actuarial accrued liability to the covered payroll was 1.50 percent. The projection of future benefit payments for an ongoing plan involves estimates of the value of reported amounts and assumptions about the probability of occurrence of events far into the future. Examples include assumptions about future employment, mortality, and the healthcare cost trend. Amounts determined regarding the funded status of the plan and the annual required contributions of the employer are subject to continual revision as actual results are compared with past expectations and new estimates are made about the future. The schedule of funding progress, presented as required supplementary information following the notes to the financial statements, presents multi-year trend information about whether the actuarial value of plan assets is increasing or decreasing over time relative to the actuarial accrued liabilities for benefits. 46 111) Elk River Municipal Utilities Elk River, Minnesota Notes to the Financial Statements December 31, 2017 Note 5: Postemployment Benefits Other Than Pensions (Continued) Methods and Assumptions. Projections of benefits for financial reporting purposes are based on the substantive plan (the plan as understood by the employer and plan members) and include the types of benefits provided at the time of each valuation and the historical pattern of sharing of benefit costs between the employer and plan members to that point. The methods and assumptions used include techniques that are designed to reduce the effects of short-term volatility in actuarial accrued liabilities and the actuarial value of assets, consistent with the long-term perspective of the calculations. The following simplifying assumptions were made: Retirement Age for Active Employees- Based on the historical average retirement age for the covered group, active plan members were assumed to retire at age 60, or at the first subsequent year in which the member would qualify for benefits. Participation Rate- It is assumed that 10 percent of active participants continue coverage until age 65. Participants are assumed to continue in their current coverage type (single or family). It is assumed that 100 percent of retirees will continue their current coverage until age 65. Life Expectancy- Life expectancies were based on mortality tables from the National Center for Health Statistics. The 2000 United States Life Tables for Males and for Females were used. Turnover- Non-group-specific age-based turnover data from GASB Statement 45 were used as the basis for assigning active members a probability of remaining employed until the assumed retirement age and for developing an expected future working lifetime assumption for purposes of allocating to periods the present value of total benefits to be paid. Healthcare Cost Trend Rate-The expected rate of increase in healthcare insurance premiums was based on projections of the"Getzen" model published by the Society of Actuaries. A rate of 6.8 percent initially, reduced to an ultimate rate of 5.4 percent, was used. Health Insurance Premiums-2017 health insurance premiums for retirees were used per the valuation report. Withdrawal-The probability that an employee will remain employed until the assumed retirement age was determined using non-group specific age-based turnover data provided in Table 1 in Paragraph 35b of GASB 45. Disability- None Actuarial Method- Projected Unit Credit with 30-year amortization of the unfunded liability. Valuation Date-January 1, 2017 Based on the historical and expected returns of the Utilities' short-term investment portfolio, a discount rate of 3.5 percent was used. In addition, a simplified version of the entry age actuarial cost method was used. The unfunded actuarial accrued liability is being amortized as a level dollar amount over an open basis. The remaining amortization period at December 31, 2017 was thirty years. 47 111 THIS PAGE IS LEFT BLANK INTENTIONALLY 48 112 REQUIRED SUPPLEMENTARY INFORMATION ELK RIVER MUNICIPAL UTILITIES ELK RIVER, MINNESOTA FOR THE YEAR ENDED DECEMBER 31, 2017 49 11� Elk River Municipal Utilities Elk River, Minnesota Required Supplementary Information For the Year Ended December 31, 2017 Schedule of Employer's Share of PERA Net Pension Liability -General Employees Retirement Fund Required Supplementary Information Utilities State's Proportionate Proportionate Share of the Utilities Share of Net Pension Proportionate the Net Pension Liability as a Plan Fiduciary Utilities Share of Liability Utilities Percentage of Net Position Fiscal Proportion of the Net Pension Associated with Covered-Employee Covered-Employee as a Percentage Year the Net Pension Liability the Utilities Total Payroll Payroll of the Total Ending Liability (a) (b) (a+b) (c) (a/c) Pension Liability 06/30/17 0.0540 % $ 3,447,324 $ 43,337 $ 3,490,661 $ 3,478,022 99.1 % 75.9 % 06/30/16 0.0508 4,124,708 53,908 4,178,616 3,151,720 130.9 68.9 06/30/15 0.0478 2,477,244 2,477,244 2,811,834 88.1 78.2 Note: Schedule is intended to show 10-year trend. Additional years will be reported as they become available. Schedule of Employer's PERA Contributions -General Employees Retirement Fund Required Supplementary Information Contributions in Relation to the Statutorily Statutorily Contribution Utilities Contributions as Required Required Deficiency Covered a Percentage of Year Contribution Contribution (Excess) Payroll Covered Payroll Ending (a) (b) (a-b) (c) (b/c) 12/31/17 $ 257,780 $ 257,780 $ - $ 3,437,072 7.5 % 12/31/16 244,012 244,012 - 3,253,493 7.5 12/31/15 230,074 230,074 - 3,067,659 7.5 Note: Schedule is intended to show 10-year trend. Additional years will be reported as they become available. 50 114 Elk River Municipal Utilities Elk River, Minnesota Required Supplementary Information (Continued) For the Year Ended December 31, 2017 Notes to the Required Supplementary Information -General Employee Retirement Fund Changes in Actuarial Assumptions 2017 -The Combined Service Annuity (CSA) loads were changed from 0.8 percent for active members and 60 percent for vested and non-vested deferred members. The revised CSA loads are now 0.0 percent for active member liability, 15.0 percent for vested deferred member liability and 3.0 percent for non-vested deferred member liability. The assumed post- retirement benefit increase rate was changed from 1.0 percent per year for all years to 1.0 percent per year through 2044 and 2.5 percent per year thereafter. 2016 -The assumed post-retirement benefit increase rate was changed from 1.0 percent per year through 2035 and 2.5 percent per year thereafter to 1.0 percent per year for all future years. The assumed investment return was changed from 7.9 percent to 7.5 percent. The single discount rate was changed from 7.9 percent to 7.5 percent. Other assumptions were changed pursuant to the experience study dated June 30, 2015. The assumed future salary increases, payroll growth and inflation were decreased by 0.25 percent to 3.25 percent for payroll growth and 2.50 percent for inflation. 2015 -The assumed post-retirement benefit increase rate was changed from 1.0 percent per year through 2030 and 2.5 percent per year thereafter to 1.0 percent per year through 2035 and 2.5 percent per year thereafter. Changes in Plan Provisions 2015 -On January 1, 2015, the Minneapolis Employees Retirement Fund was merged into the General Employees Fund, which increased the total pension liability by $1.1 billion and increased the fiduciary plan net position by$892 million. Upon consolidation, state and employer contributions were revised. Schedule of Funding Progress for the Other Postemployment Benefit Plan Unfunded Actuarial UAAL as a Actuarial Actuarial Actuarial Accrued Percentage Valuation Value of Accrued Liability Funded Covered of Covered Date Assets Liability (UAAL) Ratio Payroll Payroll 1/1/2017 $ - $ 48,766 $ 48,766 - % $ 3,362,758 1.50 % 1/1/2014 - 68,948 68,948 - 2,810,413 2.50 1/1/2011 - 42,681 42,681 - 2,286,547 1.87 1/1/2008 - 56,892 56,892 - 2,300,000 2.47 51 115 THIS PAGE IS LEFT BLANK INTENTIONALLY 52 11R SUPPLEMENTARY INFORMATION ELK RIVER MUNICIPAL UTILITIES ELK RIVER, MINNESOTA FOR THE YEAR ENDED DECEMBER 31, 2017 53 117 Elk River Municipal Utilities Elk River, Minnesota Supplementary Information Schedule of Operating Revenues and Expenses For the Year Ended December 31, 2017 Electric Water Total Operating Revenues Charges for services Elk River $ 32,364,747 $ 2,252,751 $ 34,617,498 Otsego 2,598,562 - 2,598,562 Big Lake 189,750 - 189,750 Dayton 220,413 - 220,413 LFG Project 1,084,589 - 1,084,589 Generation credit (814,341) - (814,341) Connection maintenance 234,365 54,231 288,596 Customer penalties 242,739 19,263 262,002 Total Operating Revenues 36,120,824 2,326,245 38,447,069 Operating Expenses Purchased power 25,402,576 - 25,402,576 Production Supervision and labor 98,582 52,845 151,427 Natural gas 34,383 - 34,383 Supplies and power for pumping 33,593 244,944 278,537 Landfill gas expense 658,511 - 658,511 Maintenance of structures 20,750 42,917 63,667 Maintenance of equipment 22,149 159,684 181,833 Maintenance of plant 5,683 - 5,683 Total 873,651 500,390 1,374,041 Transmission and distribution Supervision and labor 36,360 9,573 45,933 Maintenance of overhead lines 422,580 - 422,580 Maintenance of underground lines 209,421 - 209,421 Maintenance of station equipment 29,089 - 29,089 Transportation 187,500 11,842 199,342 Maintenance of customer service 11,775 45,135 56,910 Maintenance of customer meters 156,880 87,758 244,638 Miscellaneous 458,007 367 458,374 Total 1,511,612 154,675 1,666,287 Services to City 202,421 - 202,421 Depreciation 2,046,935 1,191,894 3,238,829 Customer accounts expense Meter reading 27,067 9,272 36,339 Billing and collection 242,204 53,052 295,256 Bad debts (2,280) 366 (1,914) Total 266,991 62,690 329,681 54 11R Elk River Municipal Utilities Elk River, Minnesota Supplementary Information Schedule of Operating Revenues and Expenses (Continued) For the Year Ended December 31, 2017 Electric Water Total Operating Expenses (Continued) General and administrative Salaries $ 732,850 $ 177,080 $ 909,930 Employee pensions and benefits 1,577,287 557,765 2,135,052 Dues 86,233 39,323 125,556 Office supplies and billing expense 72,907 23,469 96,376 Office utilities and maintenance 37,749 11,158 48,907 Consulting fees 49,512 7,934 57,446 Legal and audit 54,203 11,640 65,843 Environmental compliance 24,334 - 24,334 Conservation improvement project 111,532 9,647 121,179 Insurance 146,856 24,111 170,967 Telephone 19,677 5,200 24,877 Advertising 24,111 4,620 28,731 Education and meetings 117,132 16,254 133,386 Miscellaneous 35,902 8,139 44,041 Total 3,090,285 896,340 3,986,625 Total Operating Expenses 33,394,471 2,805,989 36,200,460 Operating Income(Loss) 2,726,353 (479,744) 2,246,609 Nonoperating Revenues(Expenses) Interest income 79,543 31,314 110,857 Miscellaneous revenue 344,558 227,406 571,964 Interest expense and other (294,219) (50,354) (344,573) Gain (loss)on sale of capital assets 15,152 2,348 17,500 Total Nonoperating Revenues (Expenses) _ 145,034 210,714 355,748 Income (Loss) before Contributions and Transfers 2,871,387 (269,030) 2,602,357 Capital Contributions- Developer Infrastrucure and Connection Fees - 799,223 799,223 Grants 40,000 - 40,000 Contributions from Customers 169,051 - 169,051 Transfers to Other City Funds (1,113,264) - (1,113,264) Total Contributions and Transfers (904,213) 799,223 (104,990) Change in Net Position 1,967,174 530,193 2,497,367 Net Position, January 1 34,524,100 23,670,858 58,194,958 Net Position, December 31 $ 36,491,274 $ 24,201,051 $ 60,692,325 55 113 Elk River Municipal Utilities Elk River, Minnesota Electric Fund Summary of Operations and Unaudited Statistics For the Years Ended December 31, 2008 through December 31, 2017 Summary of Operations 2008 2009 2010 2011 ' Operating Revenues Sales of electricity $ 22,303,994 $ 23,591,485 $ 26,060,301 $ 27,894,341 Other operating revenues (expenses) 637,909 636,258 732,261 689,645 Total Operating Revenues 22,941,903 24,227,743 26,792,562 28,583,986 Operating Expenses Purchased power 14,778,270 16,161,444 18,373,386 19,604,951 Distribution 2,162,797 1,937,096 1,892,212 1,960,742 Services to the City 409,222 428,508 434,415 474,934 Depreciation 2,057,851 2,126,794 2,062,942 2,041,717 Other operating expenses 2,196,770 2,272,917 2,399,236 2,350,706 Total Operating Expenses 21,604,910 22,926,759 25,162,191 26,433,050 Operating Income 1,336,993 1,300,984 1,630,371 2,150,936 Capital Contributions - - - - Transfers from Other City Funds - - 53,741 - Transfers to Other City Funds (540,636) (585,141) (657,086) (711,415) Special Item - - - - Nonoperating Revenues 249,022 (146,352) (154,956) (105,604) Net Income $ 1,045,379 $ 569,491 $ 872,070 $ 1,333,917 Percent of Change Sales of electricity 16.380% 5.772% 10.465% 7.038% Purchased power 21.372% 9.360% 13.687% 6.703% Percent of Revenues Purchased power 64.416% 66.706% 68.576% 68.587% Unaudited Statistics Miscellaneous 2008 2009 2010 2011 kWh's purchased 241,837,173 247,595,137 264,642,834 276,026,892 kWh's sold 224,226,048 232,772,722 250,711,834 261,235,297 Line loss 17,611,125 14,822,415 13,931,000 14,791,595 Percent of line loss 7.282% 5.987% 5.264% 5.359% Revenues Per kWh Sold $ 0.0995 $ 0.1013 $ 0.1039 $ 0.1068 Cost Per kWh Purchased $ 0.0611 $ 0.0653 $ 0.0694 $ 0.0710 Number of Customers 9,203 9,170 9,207 9,227 Total Contribution/Transfers to City $ 540,636 $ 585,141 $ 657,086 $ 711,415 56 120 2012 2013 2014 2015 2016 2017 $ 30,070,045 $ 30,978,790 $ 31,514,246 $ 32,704,279 $ 34,569,098 $ 36,458,061 188,645 (132,411) (147,561) (152,557) (104,702) (337,237) 30,258,690 30,846,379 31,366,685 32,551,722 34,464,396 36,120,824 20,499,773 21,254,950 21,994,652 22,034,307 23,991,069 25,402,576 1,909,845 1,970,341 2,161,352 2,330,969 2,041,810 2,385,263 481,907 498,146 530,340 520,727 230,312 202,421 2,099,594 2,029,496 1,914,062 1,922,359 2,005,093 2,046,935 2,359,193 2,374,959 2,791,717 3,087,792 3,558,315 3,357,276 27,350,312 28,127,892 29,392,123 29,896,154 31,826,599 33,394,471 2,908,378 2,718,487 1,974,562 2,655,568 2,637,797 2,726,353 - - - - - 209,051 (816,864) (781,162) (797,835) (824,743) (1,089,287) (1,113,264) - - 330,923 - 28,531 (30,658) 152,375 267,243 8,991 145,034 $ 2,120,045 $ 1,906,667 $ 1,329,102 $ 2,098,068 $ 1,888,424 $ 1,967,174 7.800% 3.022% 1.728% 3.776% 5.702% 5.464% 4.564% 3.684% 3.480% 0.180% 8.881% 5.883% 67.748% 68.906% 70.121% 67.690% 69.611% 70.327% 2012 2013 2014 2015 2016 2017 287,553,108 290,025,919 288,320,724 294,441,957 311,990,595 320,349,631 273,455,846 273,945,354 274,546,059 282,265,268 305,337,641 313,952,561 14,097,262 16,080,565 13,774,665 12,176,689 6,652,954 6,397,070 4.902% 5.545% 4.778% 4.136% 2.132% 1.997% $ 0.1100 $ 0.1131 $ 0.1148 $ 0.1159 $ 0.1132 $ 0.1161 $ 0.0713 $ 0.0733 $ 0.0763 $ 0.0748 $ 0.0769 $ 0.0793 9,285 9,358 9,449 10,499 10,816 11,448 $ 816,864 $ 781,162 $ 797,835 $ 824,743 $ 1,089,287 $ 1,113,264 57 191 Elk River Municipal Utilities Elk River, Minnesota Water Fund Summary of Operations and Unaudited Statistics For the Years Ended December 31, 2008 through December 31, 2017 Summary of Operations 2008 2009 2010 2011 Operating Revenues Sales of water $ 2,130,124 $ 2,206,429 $ 1,913,661 $ 1,832,817 Operating Expenses Operating expenses less depreciation 1,185,413 1,102,437 989,736 1,008,562 Services to City - - - - Depreciation 974,848 956,993 955,323 980,197 Total Operating Expenses 2,160,261 2,059,430 1,945,059 1,988,759 Total Operating Income (Loss) $ (30,137) $ 146,999 $ (31,398) $ (155,942) Percent of Change Sales of water 0.80% 3.58% (13.27%) (4.22%) Unaudited Statistics Miscellaneous 2008 2009 2010 2011 Water Pumped (Gallons) 854,133,000 782,951,000 686,289,000 651,907,000 Water Sold (Gallons) 727,029,000 708,286,000 627,209,000 599,701,000 Percent of Line Loss 14.88% 9.54% 8.61% 8.01% Revenues Per 1,000 Gallons Pumped $ 2.48 $ 2.81 $ 2.79 $ 2.81 Revenues Per 1,000 Gallons Sold $ 2.93 $ 3.12 $ 3.05 $ 3.06 Number of Customers 4,508 4,467 4,511 4,515 Water Supplier Services Gallons 2008 2009 2010 2011 Flushing Hydrants 30,000,000 33,000,000 35,000,000 34,000,000 Back Washing 8,400,000 8,400,000 9,000,000 8,000,000 Fire Department Use 5,000,000 1,000,000 3,000,000 4,000,000 New Water Main Disinfectant and Flushing 2,000,000 2,000,000 3,000,000 4,000,000 Flushing Seasonal Well - - 4,000,000 - Meter Inaccuracy - 1,300,000 - - Street and Sewer Maintenance - - - - Water Tower Paint and Clean/Maintenance - - - 2,000,000 Well Maintenance - - - - Water Line and Irrigation Leaks - - - - Frozen Pipes Bursting in Abandoned Homes 25,000,000 27,000,000 5,000,000 - Water Supplier Services 70,400,000 72,700,000 59,000,000 52,000,000 58 199 2012 2013 2014 2015 2016 2017 $ 2,265,142 $ 2,278,124 $ 2,148,327 $ 2,202,537 $ 2,173,521 $ 2,326,245 1,130,965 1,210,797 1,267,019 1,277,466 1,325,831 1,614,095 - - - 5,719 - - 1,028,593 1,032,442 1,083,770 1,131,110 1,148,310 1,191,894 2,159,558 2,243,239 2,350,789 2,414,295 2,474,141 2,805,989 $ 105,584 $ 34,885 $ (202,462) $ (211,758) $ (300,620) $ (479,744) 23.59% 0.57% (5.70%) 2.52% (1.32%) 7.03% 2012 2013 2014 2015 2016 2017 847,283,200 785,377,000 782,110,000 799,974,000 801,603,000 788,182,000 727,912,000 709,760,000 672,760,000 676,842,000 666,656,000 686,534,000 14.09% 9.63% 13.98% 15.39% 16.83% 12.90% $ 2.67 $ 2.90 $ 2.75 $ 2.75 $ 2.71 $ 2.95 $ 3.11 $ 3.21 $ 3.19 $ 3.25 $ 3.26 $ 3.39 4,542 4,613 4,676 4,672 4,903 5,011 2012 2013 2014 2015 2016 2017 46,400,000 45,000,000 47,000,000 45,000,000 46,816,000 47,470,500 30,000,000 8,000,000 3,922,000 4,000,000 4,430,000 4,125,542 16,500,000 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000 9,000,000 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000 3,600,000 - - - - - 6,500,000 3,000,000 3,000,000 - - - - 617,000 1,000,000 473,400 1,800,000 1,550,000 - 2,000,000 1,000,000 3,700,000 4,000,000 4,000,000 700,000 7,358,000 7,000,000 7,000,000 7,000,000 7,000,000 - - - 119,000,000 75,617,000 72,922,000 63,873,400 74,404,000 74,146,042 59 193 THIS PAGE IS LEFT BLANK INTENTIONALLY 60 194 OTHER REPORT ELK RIVER MUNICIPAL UTILITIES ELK RIVER, MINNESOTA FOR THE YEAR ENDED DECEMBER 31, 2017 61 125 THIS PAGE IS LEFT BLANK INTENTIONALLY 62 12A ABDO EICK & MEYERS LLP Certified Public Accountants&Consultants_ INDEPENDENT AUDITOR'S REPORT ON MINNESOTA LEGAL COMPLIANCE Public Utilities Commission Elk River Municipal Utilities Elk River, Minnesota We have audited, in accordance with auditing standards generally accepted in the United States of America, the financial statements of the Elk River Municipal Utilities (the Utilities) of the City of Elk River, Minnesota (the City) as of and for the year ended December 31, 2017, and the related notes to the financial statements, and have issued our report thereon dated March 28, 2018. The Minnesota Legal Compliance Audit Guide for Cities, promulgated by the State Auditor pursuant to Minnesota Statute §6.65, contains seven categories of compliance to be tested: contracting and bidding, deposits and investments, conflicts of interest, public indebtedness, claims and disbursements, miscellaneous provisions, and tax increment financing. Our audit considered all of the listed categories, except that we did not test for compliance with the provisions for tax increment financing because the Utilities has not established a tax increment financing district. In connection with our audit, nothing came to our attention that caused us to believe that the Utilities' failed to comply with the provisions of the Minnesota Legal Compliance Audit Guide for Cities. However, our audit was not directed primarily toward obtaining knowledge of such noncompliance. Accordingly, had we performed additional procedures, other matters may have come to our attention regarding the Utilities' noncompliance with the above referenced provisions. This report is intended solely for the information and use of the Public Utilities Commission, City Council, management and the Office of the State Auditor and is not intended to be and should not be used by anyone other than these specified parties. I • a 4iTIAVAO, ABDO, EICK& MEYERS, LLP Minneapolis, Minnesota March 28, 2018 5201 Eden Avenue,Suite 250 Edina,MN 55436 63 952.835.9090 I Fax 952.835.3261 127