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6.2 SR 06-03-2024The Elk River Vision A welcoming community with revolutionary and spirited resourcefulness, exceptional service, and community engagement that encourages and inspires prosperity Request for Action To City Council Item Number 6.2 Meeting Date June 3, 2024 Prepared By Lori Stich, Finance Manager Item Description Annual Comprehensive Financial Report for Year ended December 31, 2023 Reviewed by Lori Stich Joe Stremcha Cal Portner Tina Allard Action Requested Accept, by motion, the Annual Comprehensive Financial Report for the City of Elk River for the year ended December 31, 2023. Background/Discussion The city is required to have an annual independent audit of its financial statements in which the audit firm issues an opinion on the city’s financial statements. BerganKDV conducted the city’s audit for the year 2023 and will present a summary of the 2023 financial report and audit results. Financial Impact N/A Mission/Policy/Goal Responsible for every dollar - good stewards Attachments 1. City of Elk River 2023 ACFR - FINAL 2. City of Elk River 2023 CL - FINAL 3. City of Elk River 2023 GAS.UG.LC Reports - FINAL 4. 2023 Elk River Audit Presentation-updated Page 114 of 464 Page 115 of 464 CITY OF ELK RIVER ELK RIVER, MINNESOTA ANNUAL COMPREHENSIVE FINANCIAL REPORT FOR THE YEAR ENDED DECEMBER 31, 2023 PREPARED BY: FINANCE DEPARTMENT Member of Governmental Finance Officers Association of the United States and Canada Page 116 of 464 Page 117 of 464 City of Elk River, Minnesota Table of Contents Page Introductory Section Letter of Transmittal 3 Elected Officials and Administration 7 Organizational Chart 9 GFOA Certificate of Achievement for Excellence in Financial Reporting 11 Financial Section Independent Auditor's Report 15 Management's Discussion and Analysis 19 Basic Financial Statements Government-Wide Financial Statements Statement of Net Position 36 Statement of Activities 38 Fund Financial Statements Governmental Funds Balance Sheet 40 Reconciliation of the Balance Sheet to the Statement of Net Position 41 Statement of Revenues, Expenditures, and Changes in Fund Balances 42 Reconciliation of the Statement of Revenues, Expenditures, and Changes in Fund Balances to the Statement of Activities 43 Statement of Revenues, Expenditures, and Changes in Fund Balances – Budget and Actual – General Fund 45 Proprietary Funds Statement of Net Position 46 Statement of Revenues, Expenses, and Changes in Net Position 50 Statement of Cash Flows 52 Notes to Basic Financial Statements 57 Required Supplementary Information Schedule of Changes in Total OPEB Liability and Related Ratios – Municipal Retirees Health Plan 104 Schedule of City's Proportionate Share of Net Pension Liability – General Employees Retirement Fund 106 Schedule of City's Proportionate Share of Net Pension Liability – Public Employees Police and Fire Retirement Fund 107 Schedule of City Contributions – General Employees Retirement Fund 108 Schedule of City Contributions – Public Employees Police and Fire Retirement Fund 109 Schedule of Changes in Net Pension Liability and Related Ratios – Elk River Fire Relief Association 110 Schedule of City Contributions – Elk River Fire Relief Association 110 Notes to Required Supplementary Information 113 Combining and Individual Fund Financial Statements and Schedules Nonmajor Governmental Funds 123 Combining Balance Sheet 124 Combining Statement of Revenues, Expenditures, and Changes in Fund Balances 125 Page 118 of 464 City of Elk River, Minnesota Table of Contents Page Combining and Individual Fund Financial Statements and Schedules (Continued) Nonmajor Special Revenue Funds Combining Balance Sheet 126 Combining Statement of Revenues, Expenditures, and Changes in Fund Balances 128 Budgeted Special Revenue Funds Schedule of Revenues, Expenditures, and Changes in Fund Balances – Budget and Actual Library 130 Multipurpose Facility 131 Economic Development Authority 133 Nonmajor Capital Projects Funds Combining Balance Sheet 134 Combining Statement of Revenues, Expenditures, and Changes in Fund Balances 138 Nonmajor Debt Service Funds Combining Balance Sheet 142 Combining Statement of Revenues, Expenditures, and Changes in Fund Balances 144 Component Unit Financial Statements Housing and Redevelopment Authority Balance Sheet 147 Statement of Revenues, Expenses, and Change in Fund Balance 148 Statistical Section (Unaudited) Table Page Financial Trends Net Position by Component 1 152 Changes in Net Position 2 154 Fund Balances of Governmental Funds 3 158 Changes in Fund Balances of Governmental Funds 4 160 Revenue Capacity Electric Sales 5 162 Principal Electric Customers 6 163 Tax Capacity, Market Value, and Estimated Value of Taxable Property 7 164 Property Tax Rates – Direct and Overlapping Governments 8 167 Debt Capacity Principal Property Taxpayers 9 168 Property Tax Levies and Collections 10 169 Ratios of Outstanding Debt by Type 11 170 Ratios of General Bonded Debt Outstanding 12 171 Direct and Overlapping Governmental Activities Debt 13 173 Legal Debt Margin Information 14 174 Page 119 of 464 City of Elk River, Minnesota Table of Contents Table Page Statistical Section (Unaudited) (Continued) Debt Capacity (Continued) Pledged-Revenue Coverage 15 176 Demographic and Economic Information Demographic and Economic Statistics 16 177 Operating Information Principal Employers 17 178 Full-Time Equivalent Employees by Function 18 179 Operating Indicators by Function 19 180 Capital Asset Statistics by Function 20 181 Page 120 of 464 Page 121 of 464 1 INTRODUCTORY SECTION CITY OF ELK RIVER ELK RIVER, MINNESOTA FOR THE YEAR ENDED DECEMBER 31, 2023 Page 122 of 464 2 Page 123 of 464 3 J May 13, 2024 Honorable Mayor, Members of the City Council, and Citizens of Elk River Elk River, Minnesota The Annual Comprehensive Financial Report for the City of Elk River for the fiscal year ended December 31, 2023, is hereby submitted. Minnesota State Statutes and the City’s ordinance require an annual audit of the City’s accounts by the Office of the State Auditor or an independent certified public accountant. The firm of BerganKDV was selected to perform the City’s audit and their unmodified opinion has been included in this report. The independent auditors’ report is included in the financial section of this report. The responsibility for the completeness and accuracy of this data, as well as the fairness of this presentation including all enclosures, rests with the City. To the best of my knowledge and belief, the enclosed data are accurate in all material respects and are recorded in a manner designed to present fairly the financial position and the results of operations of the various funds of the City. To provide a reasonable basis for making these representations, management has established a comprehensive internal control framework that is designed to both protect the City’s assets from loss, theft, or misuse, and to compile sufficient reliable information for the preparation of these financial statements in accordance with generally accepted accounting principles (GAAP). Because the cost of internal control should not exceed anticipated benefits, the objective is to provide reasonable but not absolute assurance that the financial statements are free of any material misstatements. GAAP requires management to provide a narrative introduction, overview, and analysis to accompany the basic financial statements in the form of Management’s Discussion and Analysis (MD&A). This letter of transmittal is designed to complement the MD&A and should be read in conjunction with it. The City’s MD&A can be found immediately following the independent auditor’s report. Profile of the City Elk River was originally incorporated in 1880 and consolidated with Elk River Township in 1978 to form a City of roughly 44 square miles. Elk River is the Sherburne County Seat and is located approximately halfway between the metropolitan areas of Minneapolis/St. Paul and St. Cloud along the Mississippi River. The City has been growing and will not reach full development in the near future. The current population is approximately 27,001. Urban services are available to about one-third of the City’s land area. Elk River operates as a Statutory Plan A form of government consisting of a four-member City council and an at-large mayor who is also a voting member. Council members are elected by ward to a four- year term with two council seats up for election each even year. The mayor is also elected to a four- year term. The mayor and council are responsible for adopting the City’s budget and tax levy, passing resolutions and ordinances, all hiring and firing decisions, policy making, development and growth planning, and overall direction of the City. Page 124 of 464 4 The City provides a full range of services and amenities including police and fire protection, building safety inspections, planning and zoning, economic development, environmental services, recreation programming, street and park maintenance, and snow removal. The City also manages municipal water, sanitary sewer, garbage/recycling, and electric services. Elk River also owns and operates two municipal off-sale liquor stores, the City library, community event center and over 40 active and passive parks. The annual budget serves as the foundation for the City’s financial planning and control. The City administrator must prepare estimates for an annual budget and submit them to the City council for approval. The council is required to adopt a final budget by late December for the subsequent year. The budget is prepared by fund, function (e.g., public works), and department (e.g., streets). Department directors are allowed to make administrative budget amendments (excluding personal service and capital outlay) throughout the year if the total department budget does not change and the amendment is approved by the City administrator and finance manager. Budget amendments to the total budgeted expenditures require City council approval. Budget-to-actual comparisons are provided in this report for each individual governmental fund for which an appropriated annual budget has been adopted. For the General Fund, this comparison is presented as part of the basic financial statements for the Governmental Funds. For other Governmental Funds with appropriated annual budgets, this comparison is presented in the Governmental Fund subsection of this report. Local Economy The local economy has continued to grow as indicated by building permits with a construction value of $105,925,954 issued in 2023. New construction accounts for $53,720,802 and additions/remodels make up the $52,205,152 balance. In 2022, residential growth was stable as the City issued 93 new housing permits, slightly less than the 95 permits issued in 2022. Single family homes accounted for 92 of the new permits, in addition to one new multi-family apartment buildings with a total of 52 units. The average value home decreased to $340,300 from $344,100 in 2022. The recent market trend shows stable property values on existing properties and new construction/remodeling. There remains continued interest in both affordable and market rate multi- family housing projects, as well as protecting property values of the existing housing stock. Many of Elk River’s employers reported stable employment levels during 2023 and are expected to remain stable. This is largely due to the diverse industry sectors of manufacturing, retail trade, government, and health services that drive the local economy within the region. The commercial/industrial sector has experienced modest growth and the economic outlook in this region looks promising with recent development projects that should continue to spur tax base growth and employment. Long-term Financial Planning The City has developed a financial management plan that provides a long-range forecast projecting future expenditures, revenues, and development. The council diligently maintains a level tax rate and the plan provides the guidance needed to develop and sustain City services while keeping the property taxes stable. The council reviews and updates the financial management plan annually as part of the annual budget and Capital Improvement Plan (CIP) process. The CIP is a comprehensive five-year planning tool that forecasts the City’s capital needs based on the City’s long-range plans, goals, and policies. Page 125 of 464 5 Relevant Financial Policies The council has adopted a comprehensive set of Financial Management Policies that provide the basic framework for the overall fiscal management of the City. The policies provide guidance for revenues, property taxes, investments, purchasing, financial reporting, reserves, fund balance, capital investment, and debt. Financial stability requires reserve funds for unanticipated expenditures or unforeseen emergencies, and adequate working capital for current operating needs to avoid short- term borrowing. City policy requires the unassigned funds in the General Fund be maintained at not less than 40-45% of budgeted operating expenditures; however, this may fluctuate with each year’s budget objectives. Major Initiatives Elk River was selected for $157 million state transportation funding to redesign and reconstruct three miles of Highway 169 which runs north-south through the City. The Highway 169 corridor is an important arterial route serving commuters, recreational uses, and connecting economic centers in the state. The project which began in 2022 will convert Highway 169 to a new freeway by removing five stop lights from the Mississippi River north through Elk River. During 2022, the interchanges at the north and south ends of the project area were completed. In 2023, two more interchanges were added. Construction on the final interchange will be done in 2024. When complete, the project will increase capacity, improve overall traffic flow, and improve accessibility and safety. The City replaced aging storage buildings at the Youth Athletic Complex and Woodland Trails park in 2023. These new buildings will provide secure space to store equipment that is frequently used at the parks and save staff time by not having to transport equipment from the Public Works building. Maintenance on City facilities continues to be a priority and in 2023 the roofs on the public safety building, City hall and Northbound Liquor were replaced. Awards and Acknowledgements The Government Finance Officers Association of the United States and Canada (GFOA) awarded a Certificate of Achievement for Excellence in Financial Reporting to the City of Elk River for its Annual Comprehensive Financial Report (ACFR) for the fiscal year ending December 31, 2022. This was the 34th consecutive year the City has received this prestigious award. To be awarded the certificate, a government must publish an easily readable and efficiently organized ACFR. This report must satisfy both GAAP and applicable legal requirements. A Certificate of Achievement is valid for a period of one year. We believe that our current ACFR will meet the program’s requirements and we are submitting it to the GFOA to determine its eligibility for another certificate. The preparation of this report is made possible by the efficient and dedicated services of the entire staff of the finance division, all City departments, and through the helpful guidance and assistance from our auditing firm, BerganKDV. Credit must also be given to the mayor and City council for their diligence and resolve in maintaining high standards in the financial management of the City. Respectfully submitted, Lori Stich Finance Manager Page 126 of 464 6 Page 127 of 464 7 City of Elk River, Minnesota Elected Officials and Administration December 31, 2023 Elected Officials Position Term Expires John Dietz Mayor December 31, 2026 Cory Grupa Council Member December 31, 2026 Matthew Westgaard Council Member December 31, 2024 Mike Beyer Council Member December 31, 2024 Jennifer Wagner Council Member December 31, 2026 Administration Position Calvin Portner City Administrator Joe Stremcha Assistant City Administrator/Business Services Director Ron Nierenhausen Chief of Police Mark Dickinson Fire Chief Zachary Carlton Community Development Director Justin Femrite Public Works Director/Chief Engineer Suzanne Fischer Environmental & Special Projects Director Page 128 of 464 8 Page 129 of 464 9 Page 130 of 464 10 Page 131 of 464 11 Page 132 of 464 12 Page 133 of 464 13 FINANCIAL SECTION CITY OF ELK RIVER ELK RIVER, MINNESOTA FOR THE YEAR ENDED DECEMBER 31, 2023 Page 134 of 464 14 Page 135 of 464 15 Independent Auditor's Report Honorable Mayor and Members of the City Council City of Elk River Elk River, Minnesota Report on the Audit of the Financial Statements Opinions We have audited the financial statements of the governmental activities, the business-type activities, the discretely presented component unit, each major fund, and the aggregate remaining fund information of the City of Elk River, as of and for the year ended December 31, 2023, and the related notes to the basic financial statements, which collectively comprise the City's basic financial statements as listed in the Table of Contents. In our opinion, based on our report and the report of other auditors, the accompanying financial statements present fairly, in all material respects, the respective financial position of the governmental activities, the business-type activities, the discretely presented component unit, each major fund, and the aggregate remaining fund information of the City of Elk River, as of December 31, 2023, and the respective changes in financial position and, where applicable, cash flows thereof, and the budgetary comparison for the General Fund for the year then ended in accordance with accounting principles generally accepted in the United States of America. Basis for Opinions We conducted our audit in accordance with auditing standards generally accepted in the United States of America (GAAS) and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States. Our responsibilities under those standards are further described in the Auditor's Responsibilities for the Audit of the Financial Statements section of our report. We are required to be independent of the City and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements relating to our audit. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinions. Responsibilities of Management for the Financial Statements The City of Elk River's management is responsible for the preparation and fair presentation of the financial statements in accordance with accounting principles generally accepted in the United States of America, and for 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. In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in the aggregate, which raise substantial doubt about the City's ability to continue as a going concern for twelve months beyond the financial statement date, including any currently known information that may raise substantial doubt shortly thereafter. Page 136 of 464 16 Auditor's Responsibilities for the Audit of the Financial Statements Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opinions. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in accordance with GAAS and Government Auditing Standards will always detect a material misstatement when it exists. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control. Misstatements are considered material if there is a substantial likelihood that, individually or in the aggregate, they would influence the judgment made by a reasonable user based on the financial statements. In performing an audit in accordance with GAAS and Government Auditing Standards, we: Exercise professional judgment and maintain professional skepticism throughout the audit. Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures responsive to those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the City's internal control. Accordingly, no such opinion is expressed. Evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the overall presentation of the financial statements. Conclude whether, in our judgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about the City's ability to continue as a going concern for a reasonable period of time. We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit, significant audit findings, and certain internal control–related matters that we identified during the audit. Our responsibility is to express opinions on these financial statements based on our audit. We did not audit the financial statements of the Electric and Water proprietary funds, which represent 68% of the assets and deferred outflows, 61% of the net position, and 77% of the revenues of the proprietary funds and business-type activities. Those financial statements were audited by other auditors whose report thereon has been furnished to us, and our opinion, insofar as it relates to the amounts included for the proprietary funds and business-type activities, is based solely on the report of the other auditors. Page 137 of 464 17 Required Supplementary Information Accounting principles generally accepted in the United States of America require that the Management's Discussion and Analysis, which follows this report letter, and Required Supplementary Information as listed in the Table of Contents be presented to supplement the basic financial statements. Such information is the responsibility of management and, although not a part of the basic financial statements, is required by the Governmental Accounting Standards Board (GASB), who considers it to be an essential part of financial reporting for placing the basic financial statements in an appropriate operational, economic, or historical context. We have applied certain limited procedures to the 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. Supplementary Information Our audit was conducted for the purpose of forming opinions on the financial statements that collectively comprise the City of Elk River's basic financial statements. The accompanying supplementary information identified in the Table of Contents is presented for purposes of additional analysis and are not a required part of the basic financial statements. Such information is the responsibility of management and was derived from and relates directly to the underlying accounting and other records used to prepare the basic financial statements. The information has been subjected to the auditing procedures applied in the audit of the basic financial statements and certain additional procedures, including comparing and reconciling such information directly to the underlying accounting and other records used to prepare the basic financial statements or to the basic financial statements themselves, and other additional procedures in accordance with auditing standards generally accepted in the United States of America. In our opinion, the accompanying supplementary information is fairly stated, in all material respects, in relation to the basic financial statements as a whole. Other Information Management is responsible for the other information included in the Annual Comprehensive Financial Report. The other information comprises the introductory and statistical sections but does not include the basic financial statements and our auditor's report thereon. Our opinions on the basic financial statements do not cover the other information, and we do not express an opinion or any form of assurance thereon. In connection with our audit of the basic financial statements, our responsibility is to read the other information and consider whether a material inconsistency exists between the other information and the basic financial statements, or the other information otherwise appears to be materially misstated. If, based on the work performed, we conclude that an uncorrected material misstatement of the other information exists, we are required to describe it in our report. Page 138 of 464 18 Other Reporting Required by Government Auditing Standards In accordance with Government Auditing Standards, we have also issued our report dated May 13, 2024, on our consideration of the City of Elk River's internal control over financial reporting and on our tests of its compliance with certain provisions of laws, regulations, contracts, and grant agreements and other matters. The purpose of that report is solely to describe the scope of our testing of internal control over financial reporting and compliance and the results of that testing, and not to provide an opinion on the effectiveness of internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the City's internal control over financial reporting and compliance. Minneapolis, Minnesota May 13, 2024 Page 139 of 464 19 City of Elk River Management’s Discussion and Analysis As management of the City of Elk River, Minnesota (the City), we offer readers of the City’s financial statements this narrative overview and analysis of the financial activities of the City for the fiscal year ended December 31, 2023. We encourage readers to consider the information presented here in conjunction with additional information that we have furnished in our letter of transmittal, which can be found starting on page 3 of this report. FINANCIAL HIGHLIGHTS The assets and deferred outflows of resources of the City exceeded its liabilities and deferred inflows of resources at the close of the most recent fiscal year by $253,740,871 (net position). Of this amount, $52,639,649 (unrestricted net position) may be used to meet the City’s ongoing obligations to citizens and creditors. The net position of business-type activities increased by $5,728,390 and net position of the governmental activities increased by $2,696,722. This resulted in a total net position increase of $8,425,112 for the City. As of the close of the current fiscal year, the City’s governmental funds reported combined ending fund balances of $42,785,245, an increase of $263,062 from the prior year. At the end of the current fiscal year, unassigned fund balance for the General Fund was $9,240,805. The City’s policy is to maintain a minimum of 40-45% of the following year’s budget in unassigned fund balance. At year end, the unassigned fund balance is 43% of the 2024 budgeted General Fund expenditures. OVERVIEW OF THE FINANCIAL STATEMENTS This discussion and analysis is intended to serve as an introduction to the City’s basic financial statements. The City’s basic financial statements comprise three components: 1) government-wide financial statements, 2) fund financial statements, and 3) notes to the basic financial statements. This report also contains other supplemental information in addition to the basic financial statements themselves. The financial statements also include notes that explain some of the information in the financial statements and provide more detailed data. The statements are followed by a section of “combining and individual fund financial statements and schedules” that further explains and supports the information in the financial statements. Figure 1 shows how the required parts of this annual report are arranged and relate to one another. In addition to these required elements, we have included a section with “combining and individual fund financial statements and schedules” that provide details about nonmajor governmental funds, which are added together and presented in a single column for governmental activities in the basic governmental financial statements. Page 140 of 464 20 City of Elk River Management’s Discussion and Analysis OVERVIEW OF THE FINANCIAL STATEMENTS (CONTINUED) The following chart shows how the various parts of this annual report are arranged and related to one another: Figure 1 Required Components of the City’s Annual Financial Report Figure 2 summarizes the major features of the City’s financial statements, including the portion of the City government they cover and the types of information they contain. The remainder of this overview section of management’s discussion and analysis explains the structure and contents of each of the statements. Page 141 of 464 21 City of Elk River Management’s Discussion and Analysis OVERVIEW OF THE FINANCIAL STATEMENTS (CONTINUED) Figure 2 Major Features of the Government-wide and Fund Financial Statements Fund Financial Statements Government-Wide Statements Governmental Funds Proprietary Funds Scope Entire City government and the City’s component units The activities of the City that are not proprietary or fiduciary, such as police, fire and parks Activities the City operates similar to private businesses, such as the water and sewer system Required financial statements Statement of Net Position Statement of Activities Balance Sheet Statement of Revenues, Expenditures and Changes in Fund Balances Statement of Net Position Statement of Revenues, Expenses and Changes in Net Position Statement of Cash Flows Accounting basis and measurement focus Accrual accounting and economic resources focus Modified accrual accounting and current financial resources focus Accrual accounting and economic resources focus Type of asset/liability information All assets and liabilities, both financial and capital, and short-term and long-term Only assets expected to be used up and liabilities that come due during the year or soon thereafter; no capital assets included All assets and liabilities, both financial and capital, and short-term and long- term Type of deferred outflows/inflow s of resources information All deferred outflows/inflows of resources, regardless of when cash is received or paid Only deferred outflows of resources expected to be used up and deferred inflows of resources that come due during the year or soon thereafter; no capital assets included All deferred outflows/inflows of resources, regardless of when cash is received or paid Type of inflow/outflow information All revenues and expenses during year, regardless of when cash is received or paid Revenues for which cash is received during or soon after the end of the year; expenditures when goods or services have been received and payment is due during the year or soon thereafter All revenues and expenses during the year, regardless of when cash is received or paid Page 142 of 464 22 City of Elk River Management’s Discussion and Analysis OVERVIEW OF THE FINANCIAL STATEMENTS (CONTINUED) Government-Wide Financial Statements. The government-wide financial statements are designed to provide readers with a broad overview of the City’s finances, in a manner similar to a private- sector business. The Statement of Net Position presents information on all of the City’s assets and deferred outflows of resources and liabilities and deferred inflows of resources, with the difference between the four reported as net position. Over time, increases or decreases in net position may serve as a useful indicator of whether the financial position of the City is improving or deteriorating. The Statement of Activities presents information showing how the City’s net position changed during the most recent fiscal year. All changes in net position are reported as soon as the underlying event giving rise to the change occurs, regardless of the timing of related cash flows. Thus, revenues and expenses are reported in this statement for some items that will only result in cash flows in future fiscal periods (e.g., uncollected taxes and earned but unused vacation leave). Both of the government-wide financial statements distinguish functions of the City that are principally supported by taxes and intergovernmental revenue (governmental activities) from other functions that are intended to recover all or a significant portion of their costs through user fees and charges (business-type activities). The governmental activities of the City include general government, public safety, public works, culture and recreation, community development, and interest on long-term debt. The business-type activities of the City include municipal liquor, sewer, garbage, storm water, electric, and water utilities. The government-wide financial statements include not only the City itself (known as the primary government), but also a legally separate Housing and Redevelopment Authority (HRA) which are backed by the full faith and credit of the City of Elk River. Financial information for this component unit is discretely presented for the primary government. The government-wide financial statements start on page 36 of this report. Fund Financial Statements. A fund is a grouping of related accounts that is used to maintain control over resources that have been segregated for specific activities or objectives. The City, like other State and local governments, uses fund accounting to ensure and demonstrate compliance with finance-related legal requirements. All of the funds of the City can be divided into three categories: governmental funds, proprietary funds, and fiduciary funds. Governmental Funds. Governmental funds are used to account for essentially the same functions reported as governmental activities in the government-wide financial statements. However, unlike the government-wide financial statements, governmental fund financial statements focus on near- term inflows and outflows of spendable resources, as well as on balances of spendable resources available at the end of the fiscal year. Such information may be useful in evaluating a government’s near-term financing requirements. Page 143 of 464 23 City of Elk River Management’s Discussion and Analysis OVERVIEW OF THE FINANCIAL STATEMENTS (CONTINUED) Because the focus of governmental funds is narrower than that of the government-wide financial statements, it is useful to compare the information presented for governmental funds with similar information presented for governmental activities in the government-wide financial statements. By doing so, readers may better understand the long-term impact by the government’s near-term financing decisions. Both the governmental fund balance sheet and the governmental fund statement of revenues, expenditures and changes in fund balances (deficits) provide a reconciliation to facilitate this comparison between governmental funds and governmental activities. The City maintains several individual governmental funds, five of which are Debt Service funds. Information is presented separately in the governmental fund balance sheet and in the governmental fund statement of revenues, expenditures, and changes in fund balances for the General Fund and Pavement Management, which are considered to be major funds. Data from the other governmental funds are combined into a single, aggregated presentation. Individual fund data for each of these nonmajor governmental funds is provided in the form of combining statements or schedules elsewhere in this report. The City adopts an annual appropriated budget for its General, Library, Multipurpose Facility, and Economic Development Funds. A budgetary comparison statement or schedule has been provided for these funds to demonstrate compliance with this budget. The basic governmental fund financial statements start on page 40 of this report. Proprietary Funds. The City maintains one type of proprietary funds. Enterprise funds are used to report the same functions presented as business-type activities in the government-wide financial statements. The City uses enterprise funds to account for its liquor, sewer, garbage, storm water, electric, and water operations. Proprietary funds provide the same type of information as the government-wide financial statements, only in more detail. The proprietary funds financial statements provide separate information for each of the enterprise funds which are considered to be major funds of the City. The basic proprietary funds financial statements start on page 46 of this report. Notes to the Basic Financial Statements. The notes provide additional information that is essential to a full understanding of the data provided in the government-wide and fund financial statements. The notes to basic financial statements start on page 57 of this report. Required Supplementary Information. In addition to the basic financial statements and accompanying notes, this report also presents certain Required Supplementary Information concerning the City of Elk River’s share of net pension liabilities for defined benefit plans, schedule of contributions, and progress in funding its obligation to provide pension and other postemployment benefits to its employees. Required Supplementary Information can be found starting on page 104 of this report. Page 144 of 464 24 City of Elk River Management’s Discussion and Analysis OVERVIEW OF THE FINANCIAL STATEMENTS (CONTINUED) Other Information. The combining statements referred to earlier in connection with nonmajor governmental funds are presented following the notes to the financial statements. Combining and individual fund financial statements and schedules start on page 123 of this report. GOVERNMENT-WIDE FINANCIAL ANALYSIS As noted earlier, net position may serve over time as a useful indicator of a government’s financial position. In the case of the City, assets and deferred outflows exceeded liabilities and deferred inflows by $253,740,871 at the close of the most recent fiscal year. By far, the largest portion of the City’s net position (72.4%) reflects its investment in capital assets (e.g., land, buildings, machinery, and equipment) less any related debt used to acquire those assets that are still outstanding. The City uses these capital assets to provide services to citizens; consequently, these assets are not available for future spending. Although the City’s investment in its capital assets is reported net of related debt , it should be noted that the resources needed to repay this debt must be provided from other sources, since the capital assets themselves cannot be used to liquidate these liabilities. Page 145 of 464 25 City of Elk River Management’s Discussion and Analysis GOVERNMENT-WIDE FINANCIAL ANALYSIS (CONTINUED) City of Elk River’s Summary of Net Position 2023 2022 Increase (Decrease)2023 2022 Increase (Decrease) Assets Current and other assets 52,338,622$ 52,094,579$ 244,043$ 53,501,629$ 53,468,950$ 32,679$ Capital assets 144,232,117 144,536,694 (304,577) 134,870,351 131,672,213 3,198,138 Total assets 196,570,739 196,631,273 (60,534) 188,371,980 185,141,163 3,230,817 Deferred Outflows of Resources Deferred OPEB resources 80,414 81,827 (1,413) 10,052 11,058 (1,006) Deferred pension resources 10,565,477 12,666,297 (2,100,820) 1,081,073 1,866,126 (785,053) Total deferred outflows of resources 10,645,891 12,748,124 (2,102,233) 1,091,125 1,877,184 (786,059) Liabilities Other liabilities 9,322,393 9,773,646 (451,253) 9,326,634 10,166,258 (839,624) Noncurrent liabilities 67,468,390 81,137,474 (13,669,084) 40,379,748 43,707,769 (3,328,021) Total liabilities 76,790,783 90,911,120 (14,120,337) 49,706,382 53,874,027 (4,167,645) Deferred Inflows of Resources Deferred OPEB resources 152,862 107,304 45,558 19,107 14,500 4,607 Deferred pension resources 10,043,971 750,069 9,293,902 1,290,188 83,351 1,206,837 Deferred lease resources 150,894 229,506 (78,612) 4,784,677 5,112,108 (327,431) Total deferred inflows of resources 10,347,727 1,086,879 9,260,848 6,093,972 5,209,959 884,013 Net Position Net investment in capital assets 86,306,541 83,281,488 3,025,053 97,325,836 93,539,999 3,785,837 Restricted 15,689,829 9,676,717 6,013,112 1,779,016 1,779,016 - Unrestricted 18,081,750 24,423,193 (6,341,443) 34,557,899 32,615,346 1,942,553 Total net position 120,078,120$ 117,381,398$ 2,696,722$ 133,662,751$ 127,934,361$ 5,728,390$ Governmental Activities Business-Type Activities An additional portion of the City’s net position (6.9%) represents resources that are subject to external restrictions on how they may be used. The remaining balance of unrestricted net position (20.7%) may be used to meet the City’s ongoing obligations to citizens and creditors. At the end of the current fiscal year, the City is able to report positive balances in all three categories of net position, both for the City as a whole, as well as for its separate governmental and business-type activities. The same situation held true for the prior fiscal year. Governmental Activities. Governmental activities increased the City’s net position by $2,696,722, thereby accounting for 32.0% of the growth in the net position of the City. Key elements of this change are as follows. Page 146 of 464 26 City of Elk River Management’s Discussion and Analysis GOVERNMENT-WIDE FINANCIAL ANALYSIS (CONTINUED) Governmental Activities (Continued) City of Elk River’s Changes in Net Position 2023 2022 Increase (Decrease)2023 2022 Increase (Decrease) Revenues Program revenues Charges for services 4,149,080$ 3,805,379$ 343,701$ 62,761,120$ 61,806,702$ 954,418$ Operating grants and contributions 2,553,557 1,905,073 648,484 - - - Capital grants and contributions 3,843,438 8,005,633 (4,162,195) 1,583,273 8,149,583 (6,566,310) General revenues Property taxes 16,077,123 15,250,309 826,814 - - - Franchise and gravel taxes 1,712,109 1,722,678 (10,569) - - - Sales taxes 3,810,301 3,862,154 (51,853) - - - Grants and contributions not restricted 1,217,658 734,932 482,726 - - - Unrestricted investment earnings 2,233,568 (2,079,797) 4,313,365 1,177,123 (1,947,278) 3,124,401 Gain on disposal of capital assets 805,210 108,455 696,755 58,346 32,788 25,558 Miscellaneous revenues 539,436 537,061 2,375 - - - Total revenues 36,941,480 33,851,877 3,089,603 65,579,862 68,041,795 (2,461,933) Expenses General government 5,993,465 5,180,758 812,707 - - - Public safety 12,082,411 11,558,469 523,942 - - - Public works 6,469,657 8,498,158 (2,028,501) - - - Culture and recreation 7,261,458 6,139,661 1,121,797 - - - Economic development 685,115 527,673 157,442 - - - Interest and fiscal charges 1,506,222 1,615,250 (109,028) - - - Municipal liquor - - - 7,342,192 7,785,027 (442,835) Sewer - - - 3,970,547 3,759,165 211,382 Garbage - - - 1,702,811 1,670,454 32,357 Storm water - - - 980,969 663,420 317,549 Electric - - - 42,868,962 43,262,804 (393,842) Water - - - 3,232,421 3,208,929 23,492 Total expenses 33,998,328 33,519,969 478,359 60,097,902 60,349,799 (251,897) Increase in Net Assets before transfers 2,943,152 331,908 2,611,244 5,481,960 7,691,996 (2,210,036) Transfers (246,430) 2,885,633 (3,132,063) 246,430 (2,885,633) 3,132,063 Changes in Net Position 2,696,722 3,217,541 (520,819) 5,728,390 4,806,363 922,027 Net position, January 1 117,381,398 114,163,857 3,217,541 127,934,361 123,127,998 4,806,363 Net position, December 31 120,078,120$ 117,381,398$ 2,696,722$ 133,662,751$ 127,934,361$ 5,728,390$ Governmental Activities Business-Type Activities Property taxes represent approximately 43.5% of total revenues in 2023 in governmental activities. The largest revenue variance was an increase in unrestricted investment income due to the increase of market value of investments held by the City. The largest expense variance was a decrease in the public works function as a result of capital project work that was completed in 2022. Page 147 of 464 27 City of Elk River Management’s Discussion and Analysis GOVERNMENT-WIDE FINANCIAL ANALYSIS (CONTINUED) Governmental Activities (Continued) The following graph depicts various governmental activities and shows the revenues and expenses directly related to those activities. General Government Public Safety Public Works Culture and Recreation Economic Development Interest and Fiscal Charges Expenses $5,993,465 $12,082,411 $6,469,657 $7,261,458 $685,115 $1,506,222 Program revenues 970,789 3,136,804 4,128,599 2,094,793 215,090 - $- $2,000,000 $4,000,000 $6,000,000 $8,000,000 $10,000,000 $12,000,000 $14,000,000 Expenses and Program Revenues - Governmental Activities Page 148 of 464 28 City of Elk River Management’s Discussion and Analysis Revenues by Source – Governmental Activities Charges for Services 11.23% Operating Grants and Contributions 6.91% Capital Grants and Contributions 10.40% Property Taxes 43.52% Franchise and Gravel Taxes 4.63% Sales Taxes 10.31% Grants and Contributions Unrestricted 3.30% Unrestricted Investment Earnings 6.05% Sale of Capital Assets 2.18%Miscellaneous Revenues 1.46% Page 149 of 464 29 City of Elk River Management’s Discussion and Analysis GOVERNMENT-WIDE FINANCIAL ANALYSIS (CONTINUED) Business-type Activities. Business-type activities increased the City’s net position by $5,728,390 primarily due to the operating income of the Electric Fund. Elements of the increase are as follows: Municipal Liquor Sewer Garbage Storm Water Electric Water Expenses $7,342,192 $3,970,547 $1,702,811 $980,969 $42,868,962 $3,232,421 Program revenues 7,978,894 3,614,557 1,920,516 905,891 45,868,744 4,055,791 $- $5,000,000 $10,000,000 $15,000,000 $20,000,000 $25,000,000 $30,000,000 $35,000,000 $40,000,000 $45,000,000 $50,000,000 Expenses and Program Revenues - Business-Type Activities Page 150 of 464 30 City of Elk River Management’s Discussion and Analysis Charges for Services 95.79% Capital Grants and Contributions 2.42% Unrestricted Investment Earnings 1.80% Revenues by Source - Business-Type Activities Page 151 of 464 31 City of Elk River Management’s Discussion and Analysis GOVERNMENT-WIDE FINANCIAL ANALYSIS (CONTINUED) Financial Analysis of the Government’s Funds As noted earlier, the City uses fund accounting to ensure and demonstrate compliance with finance- related legal requirements. Governmental Funds. The focus of the City’s governmental funds is to provide information on near- term inflows, outflows and balances of spendable resources. Such information is useful in assessing the City’s financing requirements. In particular, unrestricted fund balance may serve as a useful measure of a government’s net resources available for spending at the end of the fiscal year. As of the end of the current fiscal year, the City’s governmental funds reported combined ending fund balances of $42,785,245, an increase of $263,062 in comparison with the prior year. Approximately 18% of this total amount ($7,596,889) constitutes unassigned fund balance, which is available for spending at the City’s discretion. The remainder of fund balance ($35,188,356) is not available for new spending because it is either 1) nonspendable ($214,251), 2) restricted ($15,918,585), 3) committed ($7,291,361), or 4) assigned ($11,764,159) for the purposes described in the fund balance section of each balance sheet. Increase 2023 2022 (Decrease) General 9,323,318$ 8,888,888$ 434,430$ Pavement Management 3,273,427$ 6,274,764$ (3,001,337)$ The Pavement Management Fund is a major capital projects fund with a total fund balance of $3,273,427. Fund balance decreased $3,001,337 from 2022 due to increased street improvement projects during the year. Fund Balance December 31, Major Funds The General Fund is the chief operating fund of the City. The General Fund had an increase in fund balance of $434,430. The fund had net transfers of $2,728,500 during the year, which contributed to the increase. Proprietary Funds. The City’s proprietary funds provide the same type of information found in the government-wide financial statements, but in more detail. Unrestricted net position of the enterprise funds at the end of the year amounted to $34,557,899. The total increase in net position for the funds was $5,728,390. General Fund Budgetary Highlights The City’s General Fund budget was not amended during the year. The budget called for no change in fund balance. The General Fund had an actual increase of $434,430 in 2023. Some of the larger variances are as follows: Revenues were over budget by $163,036 with charges for services revenue being over budget by $83,608. Investment income was over budget by $82,618. Expenditures were under budget by $271,394, in part due to culture and recreation being under budget by $233,797 based on salaries and benefits coming in under anticipated amounts. Page 152 of 464 32 City of Elk River Management’s Discussion and Analysis GOVERNMENT-WIDE FINANCIAL ANALYSIS (CONTINUED) Capital Asset and Debt Administration Capital Assets. The City’s investment in capital assets for its governmental and business-type activities as of December 31, 2023, amounts to $279,102,468 (net of accumulated depreciation). This investment in capital assets includes land, structures, improvements, machinery and equipment, park facilities, roads, highways and bridges. Major capital asset events during the current fiscal year included the following: Reroof of city hall, Northbound liquor store, and public safety facility Construction in progress of Rolling Hills sewer extension Purchases of vehicles Purchase of new Zamboni ice resurfacer Various street improvement projects City of Elk River’s Capital Assets (Net of Accumulated Depreciation) 2023 2022 Increase (Decrease)2023 2022 Increase (Decrease) Land 38,838,959$ 38,838,959$ -$ 1,965,026$ 1,965,026$ -$ Construction in progress 20,000 1,913,782 (1,893,782) 3,828,700 2,351,587 1,477,113 Buildings 55,397,058 56,533,406 (1,136,348) 27,466,772 27,401,128 65,644 Improvements other than buildings 9,006,154 9,567,471 (561,317) 142,755 158,677 (15,922) Equipment 8,370,431 7,743,980 626,451 7,186,638 7,005,001 181,637 Infrastructure 32,305,395 29,530,007 2,775,388 69,985,042 68,750,797 1,234,245 Intangible assets - - - 24,262,932 23,997,909 Leased equipment 294,120 409,089 (114,969) 32,486 42,088 (9,602) Total 144,232,117$ 144,536,694$ (304,577)$ 134,870,351$ 131,672,213$ 2,933,115$ Governmental Activities Business-Type Activities Additional information on the City’s capital assets can be found in Note 8 starting on page 73 of this report. Page 153 of 464 33 City of Elk River Management’s Discussion and Analysis GOVERNMENT-WIDE FINANCIAL ANALYSIS (CONTINUED) Capital Asset and Debt Administration (Continued) Long-term Debt. At the end of the current fiscal year, the City had total bonded debt outstanding of $89,455,000. While all of the City’s bonds have revenue streams, they are also all backed by the full faith and credit of the City. City of Elk River’s Outstanding Debt 2023 2022 Increase (Decrease)2023 2022 Increase (Decrease) General obligation bonds 23,685,000$ 25,760,000$ (2,075,000)$ -$ -$ -$ General obligation revenue bonds 29,625,000 30,515,000 (890,000) 8,185,000 8,765,000 (580,000) Revenue bonds - - - 27,960,000 28,875,000 (915,000) Total 53,310,000$ 56,275,000$ (2,965,000)$ 36,145,000$ 37,640,000$ (1,495,000)$ Governmental Activities Business-Type Activities The City’s bond rating is AA+ from Standard and Poor’s. Additional information on the City’s long- term debt can be found in Note 9 starting on page 76 of this report. Economic Factors and Next Year’s Budgets and Rates The City of Elk River estimates that the demand for City services will continue at stable growth levels due to the economic environment and the outlook of recent building activity. This was taken into consideration in preparation of the City’s 2024 budget. The property tax levy is set annually and is adjusted as necessary to fund the cost of providing services to our citizens and customers. Charges for services are evaluated each year and adjusted if warranted. The City expects to keep the tax levy consistent in upcoming years. Requests for Information This financial report is designed to provide a general overview of the City’s finances for all those with an interest in the City’s finances. Questions concerning any of the information provided in this report or requests for additional financial information should be addressed to the finance department, City of Elk River, 13065 Orono Pkwy, Elk River, Minnesota 55330 or by calling 763-635- 1000. Page 154 of 464 34 Page 155 of 464 35 BASIC FINANCIAL STATEMENTS Page 156 of 464 See notes to basic financial statements. 36 Primary Government Governmental Activities Business-Type Activities Total Housing and Redevelopment Authority Assets Cash and investments 44,524,699$ 40,880,486$ 85,405,185$ 821,348$ Restricted cash - 1,779,016 1,779,016 - Taxes receivable 1,068,315 - 1,068,315 10,424 Accounts receivable 713,845 2,518,344 3,232,189 1,917 Interest receivable 205,725 132,897 338,622 - Notes and loans receivable 1,230,006 - 1,230,006 562,108 Leases receivable 150,894 4,968,455 5,119,349 - Special assessments receivable 1,143,117 465,215 1,608,332 - Due from other governments 2,657,701 - 2,657,701 - Due from primary government - - - 161,823 Due from component unit 8,469 - 8,469 - Internal balances 138,940 (138,940) - - Inventory - 2,675,346 2,675,346 - Land held for resale 175,000 - 175,000 382,000 Prepaid items 214,251 220,810 435,061 - Pension asset 107,660 - 107,660 - Capital assets not being depreciated Land 38,838,959 1,965,026 40,803,985 315,900 Construction in progress 20,000 3,828,700 3,848,700 - Capital assets being depreciated/amortized Buildings and building improvements 81,818,173 41,406,580 123,224,753 - Improvements other than buildings 15,175,353 266,259 15,441,612 174,290 Infrastructure 82,670,355 - 82,670,355 - Collection and distribution systems - 147,904,911 147,904,911 - Intangible assets - 27,769,490 27,769,490 - Equipment and furniture 19,798,937 13,519,301 33,318,238 - Leased equipment 507,518 48,008 555,526 - Less accumulated depreciation/amortization (94,597,178) (101,837,924) (196,435,102) (128,781) Total assets 196,570,739 188,371,980 384,942,719 2,301,029 Deferred Outflows of Resources Deferred outflows of resources related to OPEB 80,414 10,052 90,466 - Deferred outflows of resources related to pensions 10,565,477 1,081,073 11,646,550 14,392 Total deferred outflows of resources 10,645,891 1,091,125 11,737,016 14,392 Total assets and deferred outflows of resources 207,216,630$ 189,463,105$ 396,679,735$ 2,315,421$ Component Unit City of Elk River Statement of Net Position December 31, 2023 Page 157 of 464 See notes to basic financial statements. 37 Primary Government Governmental Activities Business-Type Activities Total Housing and Redevelopment Authority Liabilities Accounts payable 2,297,022$ 4,659,711$ 6,956,733$ 27$ Salaries and benefits payable 529,932 356,608 886,540 3,476 Contracts and deposits payable 311,252 1,196,691 1,507,943 - Due to other governments 30,893 249,841 280,734 - Due to primary government - - - 8,469 Due to component unit 161,823 - 161,823 - Unearned revenue 2,138,861 290,620 2,429,481 - Interest payable Payable within one year 343,457 409,714 753,171 - Compensated absences payable Payable within one year 917,398 610,843 1,528,241 - Payable after one year 1,075,480 62,879 1,138,359 - Total OPEB liability Payable within one year 73,127 8,125 81,252 - Payable after one year 661,416 83,693 745,109 - Lease liability Payable within one year 113,628 9,481 123,109 - Payable after one year 181,506 23,198 204,704 - Net bonds payable Payable within one year 2,405,000 1,535,000 3,940,000 - Payable after one year 55,225,442 36,009,515 91,234,957 - Net pension liability Payable after one year 10,324,546 4,200,463 14,525,009 53,256 Total liabilities 76,790,783 49,706,382 126,497,165 65,228 Deferred Inflows of Resources Deferred inflows of resources related to OPEB 152,862 19,107 171,969 - Deferred inflows of resources related to pensions 10,043,971 1,290,188 11,334,159 16,314 Deferred inflows of resources related to leases 150,894 4,784,677 4,935,571 - Total deferred inflows of resources 10,347,727 6,093,972 16,441,699 16,314 Net Position Net investment in capital assets 86,306,541 97,325,836 183,632,377 361,409 Restricted for Fiscal recovery 147,725 - 147,725 - Public safety 1,152,060 - 1,152,060 - Parks and recreation improvements 1,773,916 - 1,773,916 - Capital projects 902,987 - 902,987 - Economic development 1,668,171 - 1,668,171 - Debt service 9,001,361 1,779,016 10,780,377 - Pensions 107,660 - 107,660 - Landfill mitigation 935,949 - 935,949 - Housing and redevelopment - - - 1,872,470 Unrestricted 18,081,750 34,557,899 52,639,649 - Total net position 120,078,120 133,662,751 253,740,871 2,233,879 Total liabilities, deferred inflows of resources, and net position 207,216,630$ 189,463,105$ 396,679,735$ 2,315,421$ Component Unit City of Elk River Statement of Net Position December 31, 2023 Page 158 of 464 See notes to basic financial statements. 38 Program Revenues Expenses Charges for Services Operating Grants and Contributions Capital Grants and Contributions Primary government Governmental activities General government 5,993,465$ 926,657$ 44,132$ -$ Public safety 12,082,411 1,267,373 1,869,431 - Public works 6,469,657 88,288 481,359 3,558,952 Culture and recreation 7,261,458 1,745,735 64,572 284,486 Economic development 685,115 121,027 94,063 - Interest and fiscal charges 1,506,222 - - - Total governmental activities 33,998,328 4,149,080 2,553,557 3,843,438 Business-type activities Municipal liquor 7,342,192 7,978,894 - - Sewer 3,970,547 2,774,077 - 840,480 Garbage 1,702,811 1,920,516 - - Storm water 980,969 905,891 - - Electric 42,868,962 45,379,292 - 489,452 Water 3,232,421 3,802,450 - 253,341 Total business-type activities 60,097,902 62,761,120 - 1,583,273 Total primary governmental 94,096,230$ 66,910,200$ 2,553,557$ 5,426,711$ Component Unit Housing and Redevelopment Authority 286,876$ -$ 236$ -$ General revenues Property taxes Franchise and gravel taxes Sales taxes Grants and contributions not restricted to specific programs Unrestricted investment income Gain on sale of assets Miscellaneous revenues Transfers Total general revenues and transfers Change in net position Net position - beginning Net position - ending Functions/Programs City of Elk River Statement of Activities Year Ended December 31, 2023 Page 159 of 464 39 Primary Component Unit Governmental Activities Business-Type Activities Total Housing and Redevelopment Authority (5,022,676)$ -$ (5,022,676)$ -$ (8,945,607) - (8,945,607) - (2,341,058) - (2,341,058) - (5,166,665) - (5,166,665) - (470,025) - (470,025) - (1,506,222) - (1,506,222) - (23,452,253) - (23,452,253) - - 636,702 636,702 - - (355,990) (355,990) - - 217,705 217,705 - - (75,078) (75,078) - - 2,999,782 2,999,782 - 823,370 823,370 - 4,246,491 4,246,491 - (23,452,253) 4,246,491 (19,205,762) - - - - (286,640) 16,077,123 - 16,077,123 394,515 1,712,109 - 1,712,109 - 3,810,301 - 3,810,301 - 1,217,658 - 1,217,658 - 2,233,568 1,177,123 3,410,691 7,652 805,210 58,346 863,556 - 539,436 - 539,436 - (246,430) 246,430 - - 26,148,975 1,481,899 27,630,874 402,167 2,696,722 5,728,390 8,425,112 115,527 117,381,398 127,934,361 245,315,759 2,118,352 120,078,120$ 133,662,751$ 253,740,871$ 2,233,879$ Net (Expense) Revenues and Changes in Net Position Page 160 of 464 See notes to basic financial statements. 40 General Fund Pavement Management Nonmajor Governmental Funds Total Governmental Funds Assets Cash and investments 9,243,274$ 3,342,219$ 31,939,206$ 44,524,699$ Taxes receivable 363,035 - 705,280 1,068,315 Accounts receivable 15,666 147,740 550,439 713,845 Interest receivable 49,729 19,324 136,672 205,725 Notes and loans receivable - - 1,230,006 1,230,006 Leases receivable - - 150,894 150,894 Special assessments receivable Delinquent - - 17,762 17,762 Deferred - 8,568 1,116,787 1,125,355 Due from other funds 388,063 262,257 988,218 1,638,538 Due from other governments 65,571 2,565,750 26,380 2,657,701 Due from component unit 8,469 - - 8,469 Advances to other funds - - 200,000 200,000 Land held for resale - - 175,000 175,000 Prepaid items 82,513 - 131,738 214,251 Total assets 10,216,320$ 6,345,858$ 37,368,382$ 53,930,560$ Liabilities Accounts payable 286,556$ 289,702$ 1,720,764$ 2,297,022$ Salaries and benefits payable 486,480 - 43,452 529,932 Contracts and deposits payable - 208,411 102,841 311,252 Due to other funds - - 1,499,598 1,499,598 Due to other governments 15,976 - 14,917 30,893 Due to component unit - - 161,823 161,823 Advances from other funds - - 200,000 200,000 Unearned revenue - 2,138,861 2,138,861 Total liabilities 789,012 498,113 5,882,256 7,169,381 Deferred Inflows of Resources Unavailable revenue - property taxes 103,990 - 15,086 119,076 Unavailable revenue - special assessments - 8,568 1,131,646 1,140,214 Unavailable revenue - other - 2,565,750 - 2,565,750 Deferred inflow related to leases receivable - - 150,894 150,894 Total deferred inflows of resources 103,990 2,574,318 1,297,626 3,975,934 Fund Balances Nonspendable 82,513 - 131,738 214,251 Restricted - - 15,918,585 15,918,585 Committed - 3,273,427 4,017,934 7,291,361 Assigned - - 11,764,159 11,764,159 Unassigned 9,240,805 - (1,643,916) 7,596,889 Total fund balances 9,323,318 3,273,427 30,188,500 42,785,245 Total liabilities, deferred inflows of resources, and fund balances 10,216,320$ 6,345,858$ 37,368,382$ 53,930,560$ City of Elk River Balance Sheet - Governmental Funds December 31, 2023 Page 161 of 464 See notes to basic financial statements. 41 Total fund balances - governmental funds 42,785,245$ Capital assets used in governmental activities are not current financial resources and, therefore, are not reported as assets in governmental funds. Cost of capital assets 238,829,295 Less accumulated depreciation/amortization (94,597,178) Long-term liabilities, including bonds payable, are not due and payable in the current period and, therefore, are not reported as liabilities in the funds. Long-term liabilities at year-end consist of: Bond principal payable (53,310,000) Revenue bonds payable Unamortized bond premiums/discounts (4,320,442) Lease liability (295,134) Compensated absences payable (1,992,878) Total OPEB liability (734,543) Net pension liability (10,324,546) Net pension asset 107,660 Delinquent receivables will be collected in subsequent years, but are not available soon enough to pay for the current period's expenditures and, therefore, are deferred in the funds. Property taxes 119,076 Deferred outflows of resources and deferred inflows of resources are created as a result of various differences related to pensions and OPEB that are not recognized in the governmental funds. Deferred inflows of resources related to pensions (10,043,971) Deferred outflows of resources related to pensions 10,565,477 Deferred outflows of resources related to OPEB 80,414 Deferred inflows of resources related to OPEB (152,862) Revenues in the Statement of Activities that do not provide current financial resources are not reported as revenues in the funds. Deferred special assessments 1,140,214 State shared taxes 2,565,750 Governmental funds do not report a liability for accrued interest on long-term debt until due and payable. (343,457) 120,078,120$ City of Elk River the Statement of Net Position - Governmental Funds Reconciliation of the Balance Sheet to Amounts reported for governmental activities in the Statement of Net Position are different because: Total net position - governmental activities December 31, 2023 Page 162 of 464 See notes to basic financial statements. 42 General Fund Pavement Management Nonmajor Governmental Funds Total Governmental Funds Revenues Property taxes 13,785,282$ -$ 2,493,822$ 16,279,104$ Sales taxes - - 3,810,301 3,810,301 Other taxes 156,365 1,555,744 - 1,712,109 Special assessments - - 224,426 224,426 Licenses and permits 976,260 - - 976,260 Intergovernmental 706,917 768,365 2,525,536 4,000,818 Charges for services 1,247,308 - 1,820,795 3,068,103 Fines and forfeitures 169,910 - - 169,910 Other revenue Investment income 202,618 655,353 1,375,597 2,233,568 Contributions and donations - - 275,685 275,685 Refunds and reimbursements 188,548 17,931 200,088 406,567 Landfill expansion fee - - 2,193,833 2,193,833 Miscellaneous revenue 54,828 - 128,052 182,880 Total revenues 17,488,036 2,997,393 15,048,135 35,533,564 Expenditures Current General government 4,908,703 - 246,936 5,155,639 Public safety 9,696,200 - 93,273 9,789,473 Public works 2,630,313 - 71,120 2,701,433 Culture and recreation 2,432,803 - 2,278,714 4,711,517 Economic development - - 580,422 580,422 Capital outlay General government - - 1,450,553 1,450,553 Public safety 3,830 - 1,212,445 1,216,275 Public works - 5,998,730 1,769,775 7,768,505 Culture and recreation - - 974,439 974,439 Economic development - - 85,709 85,709 Debt service Principal 105,484 - 2,972,213 3,077,697 Interest and other charges 4,773 - 1,791,155 1,795,928 Total expenditures 19,782,106 5,998,730 13,526,754 39,307,590 Excess of revenues over (under) expenditures (2,294,070) (3,001,337) 1,521,381 (3,774,026) Other Financing Sources (Uses) Proceeds from sale of capital asset - - 805,210 805,210 Transfers in 3,165,000 - 1,829,167 4,994,167 Transfers out (436,500) - (1,325,789) (1,762,289) Total other financing sources (uses) 2,728,500 - 1,308,588 4,037,088 Net change in fund balances 434,430 (3,001,337) 2,829,969 263,062 Fund Balances Beginning of year 8,888,888 6,274,764 27,358,531 42,522,183 End of year 9,323,318$ 3,273,427$ 30,188,500$ 42,785,245$ City of Elk River Statement of Revenues, Expenditures, and Changes in Fund Balances - Governmental Funds Year Ended December 31, 2023 Page 163 of 464 See notes to basic financial statements. 43 263,062$ Capital outlays are reported in governmental funds as expenditures. However, in the Statement of Activities, the cost of those assets is allocated over the estimated useful lives as depreciation expense. Capital outlays 9,291,684 Depreciation/amortization expense (7,466,896) Completed CIP transferred to enterprise funds (2,129,365) Some expenses are recognized as paid in the governmental funds but recognized as the expense is incurred in the Statement of Activities. Compensated absences payable (126,448) Total other post employment benefits (OPEB) liability 13,399 Principal payments on long-term debt are recognized as expenditures in the governmental funds but as an increase in the net position in the Statement of Activities. Bond principal payments 2,965,000 Lease principal payments 112,697 Governmental funds report the effects of bond premiums and discounts when debt is first issued, whereas these amounts are deferred and amortized in the Statement of Activities. 251,933 Interest on long-term debt in the Statement of Activities differs from the amount reported in the governmental funds because interest is recognized as an expenditure in the funds when it is due and thus requires use of current financial resources. In the Statement of Activities, however, interest expense is recognized as the interest accrues, regardless of when it is due. 37,773 Governmental funds recognize pension contributions as expenditures at the time of payment whereas the Statement of Activities factors in items related to pensions on a full accrual perspective. Pension expense (1,102,930) Revenues in the Statement of Activities that do not provide current financial resources are not reported as revenues in the funds. State shared taxes 966,427 Certain revenues are recognized as soon as they are earned. Under the modified accrual basis of accounting certain revenues cannot be recognized until they are available to liquidate liabilities of the current period. Property taxes (201,981) Special assessments (177,633) 2,696,722$ Expenditures, and Changes in Fund Balances to the City of Elk River Reconciliation of the Statement of Revenues, Statement of Activities - Governmental Funds Change in net position - governmental activities Total change in fund balances - governmental funds Amounts reported for governmental activities in the Statement of Activities are different because: Year Ended December 31, 2023 Page 164 of 464 44 Page 165 of 464 See notes to basic financial statements. 45 City of Elk River Statement of Revenues, Expenditures, and Changes in Fund Balances - Budget and Actual - General Fund Year Ended December 31, 2023 Original Final Revenues Property taxes 13,893,000$ 13,893,000$ 13,785,282$ (107,718)$ Other taxes 225,000 225,000 156,365 (68,635) Licenses and permits 1,004,300 1,004,300 976,260 (28,040) Intergovernmental 634,000 634,000 706,917 72,917 Charges for services 1,163,700 1,163,700 1,247,308 83,608 Fines and forfeitures 130,000 130,000 169,910 39,910 Other revenue Investment income 120,000 120,000 202,618 82,618 Refunds and reimbursements 125,000 125,000 188,548 63,548 Miscellaneous revenue 30,000 30,000 54,828 24,828 Total revenues 17,325,000 17,325,000 17,488,036 163,036 Expenditures Current General government 4,907,100 4,907,100 4,908,703 1,603 Public safety 9,857,300 9,857,300 9,696,200 (161,100) Public works 2,622,500 2,622,500 2,630,313 7,813 Culture and recreation 2,666,600 2,666,600 2,432,803 (233,797) Debt service Principal - - 105,484 105,484 Interest and other charges - - 4,773 4,773 Capital outlay Public safety - - 3,830 3,830 Total expenditures 20,053,500 20,053,500 19,782,106 (271,394) Excess of revenues over (under) expenditures (2,728,500) (2,728,500) (2,294,070) 434,430 Other Financing Sources (Uses) Transfers in 3,165,000 3,165,000 3,165,000 - Transfers out (436,500) (436,500) (436,500) - Total other financing sources (uses) 2,728,500 2,728,500 2,728,500 - Net change in fund balances -$ -$ 434,430 434,430$ Fund Balances Beginning of year 8,888,888 End of year 9,323,318$ Budgeted Amounts Actual Amounts Variance with Final Budget - Over (Under) Page 166 of 464 See notes to basic financial statements. 46 Municipal Liquor Sewer Garbage Storm Water Assets Current assets Cash and investments 3,526,983$ 8,853,336$ 802,786$ 1,921,645$ Restricted cash - - - - Accounts receivable - 34,185 - - Interest receivable 20,392 52,868 4,641 11,163 Due from other funds - 392,567 160,360 53,291 Leases receivable - -- - Special assessments receivable - 420,834 2,393 291 Inventory 1,609,734 - - - Prepaid items - - - - Total current assets 5,157,109 9,753,790 970,180 1,986,390 Noncurrent assets Leases receivable - - - - Capital assets Land 753,961 302,581 - 9,900 Construction in progress - 1,517,969 - - Buildings and building improvements 3,051,851 20,312,707 - - Improvements other than buildings - 232,178 - - Collection and distribution - 29,354,608 - 20,449,218 Intangible assets - -- - Equipment and furniture 167,743 7,524,358 - 27,821 Leased equipment 20,873 27,135 - - Total capital assets 3,994,428 59,271,536 - 20,486,939 Less accumulated depreciation/amortization (2,498,852) (27,484,683) - (10,839,472) Net capital assets 1,495,576 31,786,853 - 9,647,467 Total noncurrent assets 1,495,576 31,786,853 - 9,647,467 Total assets 6,652,685 41,540,643 970,180 11,633,857 Deferred Outflows of Resources Deferred outflows of resources related to OPEB 5,361 4,691 - - Deferred outflows of resources related to pensions 150,077 107,889 6,738 - Total deferred outflows of resources 155,438 112,580 6,738 - Total assets and deferred outflows of resources 6,808,123$ 41,653,223$ 976,918$ 11,633,857$ Business-Type Activities - Enterprise Funds City of Elk River Statement of Net Position - Proprietary Funds December 31, 2023 Page 167 of 464 47 Electric Water Total 14,896,235$ 10,879,501$ 40,880,486$ 1,779,016 - 1,779,016 2,363,576 120,583 2,518,344 1,954 41,879 132,897 3,442 217,223 826,883 - 235,035 235,035 4,529 37,168 465,215 1,048,510 17,102 2,675,346 185,599 35,211 220,810 20,282,861 11,583,702 49,734,032 - 4,733,420 4,733,420 697,870 200,714 1,965,026 834,236 1,476,495 3,828,700 15,119,753 2,922,269 41,406,580 34,081 - 266,259 55,723,788 42,377,297 147,904,911 27,769,490 - 27,769,490 5,141,084 658,295 13,519,301 - - 48,008 105,320,302 47,635,070 236,708,275 (37,746,565) (23,268,352) (101,837,924) 67,573,737 24,366,718 134,870,351 67,573,737 29,100,138 139,603,771 87,856,598 40,683,840 189,337,803 - - 10,052 690,058 126,311 1,081,073 690,058 126,311 1,091,125 88,546,656$ 40,810,151$ 190,428,928$ Business-Type Activities - Enterprise Funds Page 168 of 464 See notes to basic financial statements. 48 Municipal Liquor Sewer Garbage Storm Water Liabilities Current liabilities Accounts payable 369,896$ 101,528$ 128,109$ 28,876$ Salaries and benefits payable 40,947 26,407 1,599 - Contracts and deposits payable - - - - Interest payable 13 35,365 - - Unearned revenue 5,655 - - - Due to other funds - 580 2,006 856 Due to other governments 86,645 10 - - Current compensated absences 43,297 45,434 - - Current total OPEB liability 4,333 3,792 - - Lease liability due within one year 4,122 5,359 - - Bonds payable due within one year - 520,000 - - Total current liabilities 554,908 738,475 131,714 29,732 Noncurrent liabilities Compensated absences 37,036 25,843 - - Total OPEB liability 44,637 39,056 - - Lease liability 10,086 13,112 - - Bonds payable - 6,187,308 - - Net pension liability 555,358 399,244 24,934 - Total noncurrent liabilities 647,117 6,664,563 24,934 - Total liabilities 1,202,025 7,403,038 156,648 29,732 Deferred Inflows of Resources Deferred inflows of resources related to OPEB 10,190 8,917 - - Deferred inflows of resources related to pensions 170,127 122,303 7,638 - Deferred inflows of resources related to leases - - - - Total deferred inflows of resources 180,317 131,220 7,638 - Net Position Net investment in capital assets 1,495,576 25,079,545 - 9,647,467 Restricted for debt service - - - - Unrestricted 3,930,205 9,039,420 812,632 1,956,658 Total net position 5,425,781 34,118,965 812,632 11,604,125 Total liabilities, deferred inflows of resources, and net position 6,808,123$ 41,653,223$ 976,918$ 11,633,857$ Business-Type Activities - Enterprise Funds December 31, 2023 City of Elk River Statement of Net Position - Proprietary Funds Page 169 of 464 49 Electric Water Total 3,822,240$ 209,062$ 4,659,711$ 243,235 44,420 356,608 1,067,795 128,896 1,196,691 357,003 17,333 409,714 142,988 141,977 290,620 928,921 33,460 965,823 160,414 2,772 249,841 470,277 51,835 610,843 - - 8,125 - - 9,481 955,000 60,000 1,535,000 8,147,873 689,755 10,292,457 - - 62,879 - - 83,693 - - 23,198 28,260,262 1,561,945 36,009,515 2,720,477 500,450 4,200,463 30,980,739 2,062,395 40,379,748 39,128,612 2,752,150 50,672,205 - - 19,107 836,813 153,307 1,290,188 - 4,784,677 4,784,677 836,813 4,937,984 6,093,972 38,358,475 22,744,773 97,325,836 1,779,016 - 1,779,016 8,443,740 10,375,244 34,557,899 48,581,231 33,120,017 133,662,751 88,546,656$ 40,810,151$ 190,428,928$ Business-Type Activities - Enterprise Funds Page 170 of 464 See notes to basic financial statements. 50 Municipal Liquor Sewer Garbage Storm Water Sales and Cost of Sales Sales 7,974,201$ -$ -$ -$ Cost of sales (5,762,668) - - - Gross profit 2,211,533 - - - Operating Revenues User charges - 2,581,293 1,918,204 633,969 Delinquent collections - 1,735 2,312 212 Other 4,693 191,049 - 271,710 Total operating revenues 4,693 2,774,077 1,920,516 905,891 Operating Expenses Personnel services 1,119,287 827,512 46,318 - Materials and supplies 38,089 307,724 3,017 757 Purchased power - - - - Other services and charges 359,657 906,050 1,653,476 485,419 Depreciation/amortization 62,030 1,710,941 - 494,793 Equipment - 134,413 - - Total operating expenses 1,579,063 3,886,640 1,702,811 980,969 Operating income (loss) 637,163 (1,112,563) 217,705 (75,078) Nonoperating Revenues (Expenses) Investment income 329,638 515,308 30,921 85,586 Gain (loss) on sale of asset (4,150) - - - Interest and other charges (461) (83,907) - - Miscellaneous revenue - - - - Total nonoperating revenues 325,027 431,401 30,921 85,586 Income (loss) before capital contributions and transfers 962,190 (681,162) 248,626 10,508 Capital Contributions Contributions from Governmental - 1,641,841 - 487,524 Contributions from Customers - - - - Connection Fees - 840,480 - - Transfers out (1,250,000) (170,000) (56,500) (135,000) Change in net position (287,810) 1,631,159 192,126 363,032 Net Position Beginning of year 5,713,591 32,487,806 620,506 11,241,093 End of year 5,425,781$ 34,118,965$ 812,632$ 11,604,125$ Business-Type Activities - Enterprise Funds City of Elk River Statement of Revenues, Expenses, and Changes in Net Position - Proprietary Funds Year Ended December 31, 2023 Page 171 of 464 51 Electric Water Totals -$ -$ 7,974,201$ - - (5,762,668) - - 2,211,533 43,986,269 3,305,148 52,424,883 - - 4,259 464,470 78,851 1,010,773 44,450,739 3,383,999 53,439,915 3,387,478 774,117 6,154,712 239,587 389,274 978,448 31,232,788 - 31,232,788 4,020,779 857,834 8,283,215 3,177,120 1,174,752 6,619,636 - - 134,413 42,057,752 3,195,977 53,403,212 2,392,987 188,022 2,248,236 158,310 57,360 1,177,123 59,556 2,940 58,346 (811,210) (36,444) (932,022) 928,553 418,451 1,347,004 335,209 442,307 1,650,451 2,728,196 630,329 3,898,687 - 1,348,943 3,478,308 489,452 - 489,452 - 253,341 1,093,821 (1,620,378) - (3,231,878) 1,597,270 2,232,613 5,728,390 46,983,961 30,887,404 127,934,361 48,581,231$ 33,120,017$ 133,662,751$ Business-Type Activities - Enterprise Funds Page 172 of 464 See notes to basic financial statements. 52 Municipal Liquor Sewer Garbage Storm Water Cash Flows - Operating Activities Receipts from customers and users 7,979,017$ 2,773,990$ 1,920,516$ 905,891$ Payments to suppliers (6,214,428) (1,383,934) (1,655,507) (477,121) Payments to employees (1,109,417) (795,430) (43,621) - Other operating receipts - - - - Net cash flows - operating activities 655,172 594,626 221,388 428,770 Cash Flows - Noncapital Financing Activities Borrowing (payments) on interfund balances - (19,205) (2,483) (3,249) Transfer to other funds (1,250,000) (170,000) (56,500) (135,000) Net cash flows - noncapital financing activities (1,250,000) (189,205) (58,983) (138,249) Cash Flows - Capital and Related Financing Activities Special assessments received - 81,467 (79) 176 Connection charges collected - 840,480 - - Principal paid on bonds - (520,000) - - Interest paid on debt (465) (88,539) - - Principal paid on leases (4,007) (5,209) - - Proceeds from sale of capital assets - - - Acquisition of capital assets (182,250) (443,690) - - Net cash flows - capital and related financing activities (186,722) (135,491) (79) 176 Cash Flows - Investing Activities Interest and dividends received 330,267 505,125 29,508 82,601 Net change in cash and cash equivalents (451,283) 775,055 191,834 373,298 Cash and Cash Equivalents 3,978,266 8,078,281 610,952 1,548,347 3,526,983$ 8,853,336$ 802,786$ 1,921,645$ City of Elk River Statement of Cash Flows - Proprietary Funds Year Ended December 31, 2023 December 31 January 1 Business-Type Activities - Enterprise Funds Page 173 of 464 53 Electric Water Total 45,858,458$ 3,365,455$ 62,803,327$ (35,929,492) (1,397,690) (47,058,172) (3,108,487) (750,613) (5,807,568) 980,012 549,528 1,529,540 7,800,491 1,766,680 11,467,127 (90,372) (108,448) (223,757) (1,620,378) - (3,231,878) (1,710,750) (108,448) (3,455,635) - - 81,564 - 253,341 1,093,821 (915,000) (60,000) (1,495,000) (886,134) (44,095) (1,019,233) - - (9,216) 72,630 2,940 75,570 (4,517,495) (1,057,219) (6,200,654) (6,245,999) (905,033) (7,473,148) 156,646 58,718 1,162,865 388 811,917 1,701,209 16,674,863 10,067,584 40,958,293 16,675,251$ 10,879,501$ 42,659,502$ Business-Type Activities - Enterprise Funds Page 174 of 464 See notes to basic financial statements. 54 Municipal Liquor Sewer Garbage Storm Water Reconciliation of Operating Income (Loss) to Net Cash Flows - Operating Activities Operating income (loss)637,163$ (1,112,563)$ 217,705$ (75,078)$ Adjustments to reconcile operating income (loss) to net cash flows - operating activities Other revenues - - - - Bad debt expense - - - - Depreciation/amortization expense 62,030 1,710,941 -494,793 Pension expense 30,931 24,085 2,631 - Accounts receivable - (87) - - Special assessments receivable - -- - Lease receivable - -- - Other receivables - -- - Due from other governments - -- - Prepaid items - -- - Inventory (105,551) - - - Accounts payable 59,570 (35,757) 986 9,055 Contracts and deposits payable - - - - Due to other governmental units (8,033) 10 - - Salaries and benefits payable 1,602 2,068 66 - Unearned revenue 123 - - - OPEB expense (5,327) (4,663) - - Compensated absences payable (17,336) 10,592 - - Deferred lease resources - - - - Total adjustments 18,009 1,707,189 3,683 503,848 Net cash flows - operating activities 655,172$ 594,626$ 221,388$ 428,770$ Supplemental Schedule of Noncash Capital and Related Financing Activities Contributions of capital assets -$ 1,641,841$ -$ 487,524$ Gain (Loss) on disposal of capital assets (4,150) - - - Book value of disposed capital assets 65,660 - - - Capital assets purchased on account - - - - Amortization of bond premium - - - - Business-Type Activities - Enterprise Funds City of Elk River Statement of Cash Flows - Proprietary Funds Year Ended December 31, 2023 Page 175 of 464 55 Electric Water Total 2,392,987$ 188,022$ 2,248,236$ 928,553 418,451 1,347,004 29,142 (28) 29,114 3,177,120 1,174,752 6,619,636 211,279 19,272 288,198 1,408,119 1,512 1,409,544 (400) (20,056)(20,456) - 220,218 220,218 (90,917) 208,467 117,550 8,263 -8,263 70,788 18,537 89,325 63,325 11,286 (30,940) (631,281) (92,117) (689,544) 63,101 (59,129) 3,972 (40,288) (101) (48,412) 24,430 2,202 30,368 142,988 793 143,904 - - (9,990) 43,282 2,030 38,568 - (327,431)(327,431) 5,407,504 1,578,658 9,218,891 7,800,491$ 1,766,680$ 11,467,127$ 489,452$ 1,348,943$ 3,967,760$ (13,074) - (17,224) 44,574 - 110,234 947,461 6,111 953,572 59,862 6,651 66,513 Business-Type Activities - Enterprise Funds Page 176 of 464 56 Page 177 of 464 57 City of Elk River Notes to Basic Financial Statements NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES A. Reporting Entity The City of Elk River, Minnesota (the City) operates under the "Optional Plan A" form of government as defined in Minnesota Statutes. Under this plan, the City Council is composed of an elected mayor and four elected Council Members. The Council appoints personnel responsible for the proper administration of all affairs relating to the City. The basic financial statements and the accounting policies of the City conform to accounting principles generally accepted in the United States of America as applicable to governmental units. The Governmental Accounting Standards Board (GASB) is the accepted standard setting body for establishing governmental accounting and financial reporting principles. As required by accounting principles generally accepted in the United States of America, the financial statements of the reporting entity include those of the City of Elk River (the primary government) and its component units. The Elk River Municipal Utilities is considered to be part of the primary government. The Elk River Municipal Utilities was established, and statutory authority is provided in accordance with Chapter 412.321 of the Minnesota Statutes and is considered to be part of the City. The Utilities Commission has five council approved members who serve overlapping three-year terms. The statutes provide the City Council all the discretionary authority necessary to operate the utilities, except as its powers have been delegated to the Commission. The Utility funds are included with the enterprise funds of this report. Separate financial statements for the Utilities may be obtained at the Elk River Municipal Utilities, 13069 Orono Pkwy, Elk River, Minnesota, 55330. The City 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 City are such that exclusion would cause the City's 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. Based upon the application of these criteria, the City has the following component units: 1. Blended Component Unit The Economic Development Authority (EDA) was created to carry out economic and industrial development and redevelopment within the City in accordance with policies established by the City Council. The seven-member board consists of three Council Members, the Mayor and three other council approved members. The criteria that result in the EDA being reported as a blended component unit include the fact that the EDA may not exercise any of its authorized powers without prior approval of the City Council and the City having operational responsibility. The EDA is reported as a special revenue fund and does not issue separate financial statements. Page 178 of 464 58 City of Elk River Notes to Basic Financial Statements NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) A. Reporting Entity (Continued) 2. Discretely Presented Component Unit The Housing and Redevelopment Authority (HRA) is a legally separate entity created to carry out community development consistent with policies established by the City Council. The HRA is governed by five council appointed members, one of which is a Council Member; however, the City does not have a financial benefit or burden relationship and does not have operational responsibility. The criteria that result in the HRA being reported as a discretely presented component unit include 1) the five council appointed member board and 2) the ability of the City to impose its will on the HRA by significantly influencing the programs, projects, activities, or level of service performed by the HRA by approving the HRA's budget. The HRA does not issue separate financial statements and are included in the financial section of this report. B. Government-wide and Fund Financial Statements The government-wide financial statements (i.e., the Statement of Net Position and the Statement of Activities) report information on all of the nonfiduciary activities of the City. The fiduciary funds are only reported in the statement of fiduciary net position and the statement of changes in fiduciary net position at the fund financial statement level. Governmental activities, which normally are supported by taxes and intergovernmental revenues, are reported separately from business-type activities, which rely to a significant extent on fees and charges for support. The Statement of Activities demonstrates the degree to which the direct expenses of a given function or segment is offset by program revenues. Direct expenses are those that are clearly identifiable with a specific function or segment. Interest on general long-term debt is considered an indirect expense and is reported separately in the Statement of Activities. Program revenues include 1) charges to customers or applicants who purchase, use, or directly benefit from goods, services, or privileges provided by a given function or segment and 2) grants and contributions that are restricted to meeting the operational or capital requirements of a particular function or segment. Taxes and other items not properly included among program revenues are reported instead as general revenues. Internally dedicated revenues are reported as general revenues rather than program revenues. Separate financial statements are provided for governmental funds and proprietary funds. Major individual governmental funds and major individual enterprise funds are reported as separate columns in the fund financial statements. C. Measurement Focus, Basis of Accounting, and Financial Statement Presentation The government-wide financial statements are reported using the economic resources measurement focus and the accrual basis of accounting, as are the proprietary fund and fiduciary fund financial statements. Revenues are recorded when earned and expenses are recorded when a liability is incurred, regardless of the timing of related cash flows. Property taxes are recognized as revenues in the year for which they are levied. Grants and similar items are recognized as revenue as soon as all eligibility requirements imposed by the provider have been met. Page 179 of 464 59 City of Elk River Notes to Basic Financial Statements NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) C. Measurement Focus, Basis of Accounting, and Financial Statement Presentation (Continued) Governmental fund financial statements are reported using the current financial resources measurement focus and the modified accrual basis of accounting. Revenues are recognized as soon as they are both measurable and available. Revenues are considered to be available when they are collectible within the current period or soon enough thereafter to pay liabilities of the current period. For this purpose, the City considers revenues to be available if they are collected within 60 days of the end of the current period. Expenditures generally are recorded when a liability is incurred, as under accrual accounting. However, debt service expenditures, as well as expenditures related to compensated absences and claims and judgments, are recorded only when payment is due. Property taxes, franchise taxes, licenses, and interest associated with the current period are all considered to be susceptible to accrual and so have been recognized as revenues of the current period. Only the portion of special assessments receivable due within the current period is considered to be susceptible to accrual as revenue of the current period. All other revenue items are considered to be measurable and available only when cash is received by the City. Description of Funds: Major Governmental Funds: General Fund – This fund is the City's primary operating fund. It accounts for all financial resources of the general government, except those required to be accounted for in another fund. Pavement Management Fund – This fund accounts for franchise taxes collected to fund expenditures for the ongoing maintenance and repair of the City streets. Proprietary Funds: Municipal Liquor Fund – This fund accounts for the operations of the City's off-sale liquor stores. Sewer Fund – This fund accounts for the sewer service charges which are used to finance the sanitary sewer system operating expenses. Garbage Fund – This fund accounts for the activities of the garbage and recycling collection programs. Storm Water Fund – This fund accounts for the activities of the storm water collection system. Electric Fund – This fund accounts for the activities of the electric distribution system. Water Fund – This fund accounts for the activities of the water distribution system. Page 180 of 464 60 City of Elk River Notes to Basic Financial Statements NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) C. Measurement Focus, Basis of Accounting, and Financial Statement Presentation (Continued) As a general rule, the effect of interfund activity has been eliminated from the government-wide financial statements. Exceptions to this general rule are charges between the City's utility functions and various other functions of the City. Elimination of these charges would distort the direct costs and program revenues reported for the various functions concerned. Proprietary funds distinguish operating revenues and expenses from nonoperating items. Operating revenues and expenses generally result from providing services and producing and delivering goods in connection with a proprietary fund's principal ongoing operations. The principal operating revenues of the City's Enterprise Funds are charges to customers for sales and services. The City also recognizes as operating revenue the portion of tap fees intended to recover the cost of connecting new customers to the system. Operating expenses for enterprise funds include the cost of sales and services, administrative expenses, and depreciation on capital assets. All revenues and expenses not meeting this definition are reported as nonoperating revenues and expenses. When both restricted and unrestricted resources are available for use, it is the City's policy to use restricted resources first, then unrestricted resources as they are needed. D. Assets, Liabilities, Deferred Outflows/Inflows of Resources, and Net Position or Equity 1. Deposits and Investments Cash and investments include balances from all funds that are combined and invested to the extent available in various securities as authorized by state law. Earnings from the pooled investments are allocated to the individual funds based on the average of month-end cash and investment balances. The City's 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. Minnesota Statutes authorizes the City to invest in obligations of the U.S. Treasury, agencies and instrumentalities, shares of investment companies whose only investments are in the aforementioned securities, obligations of the State of Minnesota or its municipalities, bankers' acceptances, future contracts, repurchase and reverse repurchase agreements, and commercial paper of the highest quality with a maturity of no longer than 270 days and in the Minnesota Municipal Investment Pool. Certain investments for the City are reported at fair value as disclosed in Note 3. The City categorizes its fair value measurements within the fair value hierarchy established by generally accepted accounting principles. The Hierarchy is based on the valuation inputs used to measure the fair value of the asset. 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. Page 181 of 464 61 City of Elk River Notes to Basic Financial Statements NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) D. Assets, Liabilities, Deferred Outflows/Inflows of Resources, and Net Position or Equity (Continued) 1. Deposits and Investments (Continued) In accordance with GASB Statement No. 79, the Minnesota Municipal Investment Pool securities are valued at amortized cost, which approximates fair value. There are no restrictions or limitations on withdrawals from the 4M Liquid Asset Fund. Investments in the 4M Plus must be deposited for a minimum of 14 calendar days. Withdrawals prior to the 14-day restriction period will be subject to a penalty equal to seven days interest on the amount withdrawn. Seven days' notice of redemption is required for withdrawals of investments in the 4M Term Series withdrawn prior to the maturity date of that series. A penalty could be assessed as necessary to recoup the Series for any charges, losses, and other costs attributable to the early redemption. 2. Receivables All trade and property tax receivables are shown at a gross amount since both are assessable to the property taxes and are collectible upon the sale of the property. The City Council annually adopts a tax levy and certifies it to the County in December for collection in the following year. The County is responsible for collecting all property taxes for the City. These taxes attach an enforceable lien on taxable property within the City on January 1 and are payable by the property owners in two installments. The taxes are collected by the County and tax settlements are made to the City during January, July, and December each year. The County Auditor submits the list of taxes and special assessments to be collected on each parcel of property to the County Treasurer in January of each year. Accounts receivable include amounts billed for services provided before year end. Unbilled utility enterprise fund receivables are also included for services provided in 2023. The City annually certifies delinquent accounts to the County for collection in the following year. Therefore, there has been no allowance for doubtful accounts established. Special assessments represent the financing for public improvements paid for by benefiting property owners. These assessments are recorded as receivable upon certification to the County. Special assessments are recognized as revenue when they are received in cash or within 60 days after year end. All governmental special assessments receivable are offset by a deferred inflow of resources in the fund financial statements unless related to unpaid charges and are due within one year. 3. Inventory and Prepaid Items Certain payments to vendors reflect costs applicable to future accounting periods and are recorded as prepaid items in both government-wide and fund financial statements. Prepaid items are recorded as an expenditure at the time of consumption. Page 182 of 464 62 City of Elk River Notes to Basic Financial Statements NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) D. Assets, Liabilities, Deferred Outflows/Inflows of Resources, and Net Position or Equity (Continued) 3. Inventory and Prepaid Items (Continued) Inventory is valued at cost using the first in, first out (FIFO) method. Inventories of enterprise funds are recorded as expenditures when consumed rather than when purchased. Property held for resale consists of property that the City and Housing and Redevelopment Authority component unit holds for resale. Properties held for resale are reported as an asset at the lower of cost or estimated fair value. 4. Capital Assets Capital assets, which include property, plant, equipment, and infrastructure assets (e.g., roads, sidewalks, and similar items), are reported in the applicable governmental or business-type activities columns in the government-wide financial statements. Capital assets are defined by the City as assets with an initial cost of more than $10,000 and an estimated useful life in excess of two years. In the case of initial capitalization of general infrastructure assets (i.e., those reported by governmental activities) the City chose to include all items previously accounted for. The City had already accounted for its prior infrastructure at historical cost for the initial reporting of these assets. As the City constructs or acquires capital assets each period, including infrastructure assets, they are capitalized and reported at historical cost. The reported value excludes normal maintenance and repairs which are essentially amounts spent in relation to capital assets that do not increase the capacity or efficiency of the item or extend its useful life beyond the original estimate. In the case of donations, the City values these capital assets at acquisition value of the item at the date of its donation. Property, plant, and equipment of the City, as well as the component unit, are depreciated using the straight-line method over the following useful lives: Buildings and improvements 10-40 Other park improvements 10-20 Machinery and equipment 3-20 Public domain infrastructure 15-50 System infrastructure 4-50 Classification Years The City recognizes lease liabilities and intangible right-to-use lease assets (leased assets) in the government-wide financial statements. The City recognizes lease liabilities with an initial, individual value of $10,000 or more for equipment leases, and an initial, individual value of $25,000 or more property, plant and infrastructure leases. Page 183 of 464 63 City of Elk River Notes to Basic Financial Statements NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) D. Assets, Liabilities, Deferred Outflows/Inflows of Resources, and Net Position or Equity (Continued) 5. Lease Receivable The City is a lessor for numerous noncancellable leases. The City recognizes a lease receivable and a deferred inflow of resources in the government-wide and governmental fund financial statements. At the commencement of a lease, the City measures the lease receivable at the present value of payments expected to be received during the lease term. Subsequently, the lease receivable is reduced by the principal portion of lease payments received. The deferred inflow of resources is initially measured as the initial amount of the lease receivable, adjusted for lease payments received at or before the lease commencement date. Subsequently, the deferred inflow of resources is recognized as revenue over the life of the lease term in a systematic and rational manner. Key estimates and judgments include how the City determines (1) the discount rate, (2) lease term, (3) lease receipts, and (4) amortization. The City determines the discount rate for leases based on the applicable State and Local Government Securities (SLGS) rate. The lease term includes the noncancellable period of the lease. Lease receipts included in the measurement of the lease receivable is composed of fixed payments from the lessee. 6. Right-to-Use Lease Assets/Lease Liabilities The City recorded right-to-use lease assets as a result of implementing GASB Statement No. 87, Leases. The right-to-use lease assets are initially measured at an amount equal to the initial measurement of the lease liability plus any payments made prior to the lease term, less lease incentives, and plus ancillary charges necessary to place the lease into service. The right-to-use assets are amortized on a straight-line basis over the life of the related lease. Key estimates and judgments related to leases include (1) the discount rate, (2) lease term, (3) lease payments, and (4) amortization. The City uses the interest rate charged by the lessor as the discount rate. When the interest rate charged by the lessor is not provided, the City determines its estimated borrowing rate based on the applicable State and Local Government Securities rate. The lease term includes the noncancellable period of the lease. Lease payments included in the measurement of the lease liability are composed of fixed payments and purchase option the City is reasonably certain to exercise. The City monitors changes in circumstances that would require a re-measurement of the leases and will remeasure the right-to-use lease assets and liabilities if certain changes occur that are expected to significantly affect the amount of the lease liability. Page 184 of 464 64 City of Elk River Notes to Basic Financial Statements NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) D. Assets, Liabilities, Deferred Outflows/Inflows of Resources, and Net Position or Equity (Continued) 7. Deferred Outflows/Inflows of Resources In addition to assets, the statement of financial position will sometimes report a separate section for deferred outflows of resources. This separate financial statement element represents a consumption of net assets that applies to a future period(s) and so will not be recognized as an outflow of resources (expense/expenditure) until that time. The City has two items that qualify for reporting in this category. The City presents deferred outflows of resources on the Statement of Net Position for deferred outflows of resources related to pensions and OPEB for various estimate differences that will be amortized and recognized over future years. In addition to liabilities, the statement of financial position and fund financial statements will sometimes report a separate section for deferred inflows of resources. This separate financial statement element represents an acquisition of net assets that applies to a future period(s) and so will not be recognized as an inflow of resources (revenue) until that time. The City has four items that qualify for reporting in this category. The City presents deferred inflows of resources on the Governmental Fund Balance Sheet as unavailable revenue. The governmental funds report unavailable revenues from three sources: property taxes, special assessments, and other. These amounts are deferred and recognized as an inflow of resources in the period that the amounts become available. The City presents deferred inflows of resources on the Statement of Net Position for deferred inflows of resources related to pensions and OPEB for various estimate differences that will be amortized and recognized over future years. Deferred inflows of resources related to leases receivable is reported in both the government-wide Statement of Net Position, the Governmental Funds Balance Sheet, and the Proprietary Funds Statement of Net Position. 8. Compensated Absences It is the City's policy to permit employees to accumulate earned but unused vacation and sick pay benefits. Unused vacation can be accrued by the employees up to a maximum of 240 hours, the limit of which is determined by years of service. All vacation pay is accrued when incurred in the government-wide and proprietary fund financial statements. A liability for these amounts is reported in governmental funds only if they have matured, for example, as a result of employee resignations and retirements. In the event a liability is recorded in the governmental funds, the General fund would be used to liquidate the compensated absences payable. Employees can also accrue an unlimited amount of unused sick leave. Employees with two or more years of service are entitled to receive severance pay equal to 50% of unused sick leave, up to a maximum of 480 hours. The liability for severance pay is accounted for the same as accrued vacation pay. 9. Long-Term Obligations In the government-wide financial statements and proprietary fund types in the fund financial statements, long-term debt, and other long-term obligations are reported as liabilities in the applicable governmental activities, business-type activities, or proprietary fund type Statement of Net Position. Bond premiums and discounts are deferred and amortized over the life of the bonds using the straight-line method. Page 185 of 464 65 City of Elk River Notes to Basic Financial Statements NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) D. Assets, Liabilities, Deferred Outflows/Inflows of Resources, and Net Position or Equity (Continued) 9. Long-Term Obligations (Continued) In the fund financial statements, governmental fund types recognize bond premiums and discounts, as well as bond issuance costs, during the current period. The face amount of debt issued is reported as other financing sources. Premiums received on debt issuances are reported as other financing sources while discounts on debt issuances are reported as other financing uses. Issuance costs, whether or not withheld from the actual debt proceeds received, are reported as debt service expenditures. 10. Pensions For purposes of measuring the net pension liability, net pension asset, deferred outflows/inflows of resources, and pension expense, information about the fiduciary net position of the Public Employees Retirement Association (PERA) and the relief association and additions to/deductions from PERA's and the relief association's fiduciary net position have been determined on the same basis as they are reported by PERA and the relief association 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. 11. Postemployment Benefits The City of Elk River and its discretely presented component unit provide a single employer defined benefit healthcare plan to eligible retirees and their spouses. The plan offers medical insurance benefits. The total OPEB liability, deferred outflows of resources and deferred inflows of resources related to OPEB and OPEB expense were measured actuarially in accordance with GASB Statement No. 75, based on entry age normal cost method. 12. Unearned Revenue Unearned revenue arises when assets are recognized before revenue recognition criteria have been satisfied. Grants and entitlements received before eligibility requirements are met are also recorded as unearned revenue. 13. Fund Balance In the fund financial statements, governmental funds report various levels of spending constraints. Nonspendable Fund Balances – These are amounts that cannot be spent because they are not in spendable form as they are legally or contractually required to be maintained intact and include prepaid items, inventory, and advances to other funds. Restricted Fund Balances – These are subject to externally enforceable legal restrictions. Committed Fund Balances – The government's highest level of decision making authority is the City Council. The formal action to establish or modify a commitment is made through resolution. Committed amounts cannot be used for any other purpose unless the City Council modifies or rescinds the commitment by resolution. Page 186 of 464 66 City of Elk River Notes to Basic Financial Statements NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) 13. Fund Balance (Continued) In the fund financial statements, governmental funds report various levels of spending constraints. Assigned Fund Balances – Amounts constrained for specific purposes that are internally imposed. In governmental funds other than the General Fund, assigned fund balance represents all remaining amounts that are not classified as nonspendable and are neither restricted nor committed. The City Council has adopted a fund balance policy which delegates the authority to assign amounts for specific purposes to the City Administrator. Minimum Fund Balance Policy – The City has formally adopted a fund balance policy for the General Fund. The City's policy is to maintain a minimum unassigned fund balance of 40-45% of budgeted operating expenditures for cash-flow timing needs. The City will spend restricted funds first for expenditures that meet the intended purpose before using unrestricted fund balance. Additionally, the City would first use committed, then assigned, and lastly unassigned amounts of unrestricted fund balance when expenditures are made for the purposes intended. E. Net Position Net position represents the difference between assets and deferred outflows of resources and liabilities and deferred inflows of resources in the government-wide financial statements. Net investment in capital assets, consists of capital assets, net accumulated depreciation, reduced by the outstanding balance of any long-term debt used to build or acquire the capital assets. Net position is reported as restricted in the government-wide financial statement when there are limitations on use through external restrictions imposed by creditors, grantors, or laws or regulations of other governments. F. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Estimates also affect the reported amounts of revenue and expenditures/expense during the reporting period. Actual results could differ from those estimates. G. Budgetary Information Annual budgets are adopted on a basis consistent with accounting principles generally accepted in the United States of America. Annual appropriated budgets are legally adopted for the General Fund and the Library, Multipurpose Facility, and Economic Development Authority special revenue funds. Project-length financial plans are adopted for all capital projects funds. All annual appropriations lapse at fiscal year-end. Page 187 of 464 67 City of Elk River Notes to Basic Financial Statements NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) G. Budgetary Information (Continued) On or before July 1 of each year, all departments and agencies of the City submit requests for appropriation to the City's administrator so that a budget may be prepared. Before September 30, the proposed budget is presented to the City Council for review and approval. The City Council holds public hearings and may add to, subtract from, or change appropriations. Any changes in the budget must be within the revenue and reserves estimated as available or the revenue estimates must be changed by an affirmative vote by a majority of the City Council. The budget is prepared by fund, function, and activity and includes information on the past year, current year estimates, and requested appropriations for the next fiscal year. Expenditures may not legally exceed budgeted appropriations at the fund level without Council approval. Spending control is established by the amount of expenditures budgeted for the fund, but management control is exercised at the department level. Reported budget amounts are as originally adopted or as amended by Council approved supplemental appropriations and budget transfers. NOTE 2 – STEWARDSHIP, COMPLIANCE, AND ACCOUNTABILITY A. Deficit Fund Balances The following funds had a deficit fund balance at December 31, 2023: Amount Nonmajor Special Revenue Multipurpose Facility 207,655$ Insurance Reserve 52,165 Nonmajor Capital Projects TIF Districts 1,252,358 Fund The deficits will be funded with future charges for services, refunds and reimbursements, transfers and tax increment revenue. NOTE 3 – DEPOSITS AND INVESTMENTS Cash balances of the City's funds that are intended to be invested on a long-term basis are combined (pooled) and invested to the extent available in various investments authorized by Minnesota Statutes. Each fund's portion of this pool (or pools) is displayed in the financial statements as "cash and investments". For purposes of identifying risk of investing public funds, the balances and related restrictions are summarized as follows. A. Deposits Custodial Credit Risk – Deposits: This is the risk that in the event of a bank failure, the City's deposits may not be returned to it. The City (including Elk River Municipal Utilities) has an investment policy in place to address custodial credit risk for deposits, stating all deposits and investments must be in compliance with Minnesota Statutes § 118A, with collateralization levels of 110% of the market value of the principal and accrued interest. As of December 31, 2023, the City's bank balance of $25,595,122 was not exposed to custodial credit risk because it was insured and fully collateralized by federal depository insurance and collateral pledged. The book balance as of December 31, 2023, was $27,027,395. Page 188 of 464 68 City of Elk River Notes to Basic Financial Statements NOTE 3 – DEPOSITS AND INVESTMENTS (CONTINUED) A. Deposits (Continued) Discretely Presented Component Unit As of December 31, 2023, the HRA's bank balance of $821,348 was not exposed to custodial credit risk because it was fully collateralized. The HRA's book balance of all deposits at December 31, 2023, totaled $821,348. B. Investments Credit Fair Less than Greater than Rating Value One Year 1-5 Years 5 Years No Maturity Negotiable certificates of deposit N/A 8,399,209$ 1,778,477$ 6,620,732$ -$ -$ Municipal bonds AA to AAA 36,987,667 3,763,582 19,048,767 14,175,318 - Government Securities N/A 493,765 493,765 - - - Asset Backed Securities N/A 2,240,741 - 580,470 - 300,096 N/A 681,760 - - - 681,760 N/A 11,342,221 - - - 11,342,221 Other money market funds N/A 5,943 5,943 - - - Total 60,151,306$ 6,041,767$ 26,249,969$ 14,175,318$ 12,324,077$ Investment Maturities Investment Type UBS Select Prime Institutional Money Market Minnesota Municipal Money Market (4M Fund) Concentration Risk: This is the risk associated with investing a significant portion of the City's investment (considered 5% or more) in the securities of a single issuer and no more than 50% of the City's total investment portfolio may be invested in certificates of deposit or commercial paper. As of December 31, 2023, the City had invested 5% or more of its total investment portfolio in one single issuer, the Minnesota Municipal Money Market (4M Fund). Credit Risk: Credit risk is the risk that an issuer to an investment will not fulfill its obligation. State law limits investments in state and local securities and commercial paper to those with specified rating by nationally recognized rating agencies. U.S. treasury obligations are not considered to have credit risk. The City's investment policy does not further limit the ratings of their investments. Interest Rate Risk: This is the risk that fair values of securities in a portfolio would decrease due to changes in fair value interest rates. The City's investment policy uses diversification of maturity dates as a means of managing exposure to fair value by stating that no more than 30% of the City's investments may extend beyond a five-year maturity. Custodial Credit Risk – Investments: This is the risk in the event of the failure of the counterparty the City will not be able to recover the value of its investments or collateral securities that are in the possession of an outside party. The City typically limits its exposure by purchasing insured or registered investments, or by the control of who holds the securities. As of December 31, 2023, all investments were insured or registered, or securities were held by the City or its agent in the City's name. Page 189 of 464 69 City of Elk River Notes to Basic Financial Statements NOTE 3 – DEPOSITS AND INVESTMENTS (CONTINUED) B. Investments (Continued) The City has the following recurring fair value measurements as of December 31, 2023: Brokered certificates of deposit of $8,399,209, municipal bonds of $36,987,667, and government securities of $493,765, and asset backed securities of $2,240,741 are valued using a matrix pricing model (Level 2 inputs) C. Deposits and Investments Summary of cash deposits and investments as of December 31, 2023, were as follows: Deposits 27,027,395$ 821,348$ 27,848,743$ Investments 60,151,306 - 60,151,306 Petty cash 5,500 - 5,500 Total deposits and investments 87,184,201$ 821,348$ 88,005,549$ Primary Government Component Unit HRA Total Deposits and investments are presented in the December 31, 2023, basic financial statements as follows: Statement of Net Position Cash and investments 85,405,185$ 821,348$ 86,226,533$ Restricted cash 1,779,016 - 1,779,016 Total deposits and investments 87,184,201$ 821,348$ 88,005,549$ Primary Government Component Unit HRA Total NOTE 4 – NOTES RECEIVABLE/CONTRACT FOR DEED The City has made several business subsidy loans to local businesses, some of which were funded with grant proceeds received from the state and federal governments. The terms of repayment vary with each loan and will be repaid over a period of 10 years. Under the terms of the grant agreement, the City retains the grant repayments. Notes receivable of $212,868 in the Revolving Loan Fund and $125,535 in the State DEED Fund are outstanding at December 31, 2023. Page 190 of 464 70 City of Elk River Notes to Basic Financial Statements NOTE 4 – NOTES RECEIVABLE/CONTRACT FOR DEED (CONTINUED) In 2015, the City issued a $1,288,589 long-term note receivable related to the sale of property to a developer under an abatement agreement. The note shall be payable in semiannual installments as tax abatement revenues are received, commencing on August 1, 2017, and maturing February 1, 2037. A note receivable of $604,205 in the Development Fund is outstanding at December 31, 2023. In 2021, the City entered into a $320,000 contract for deed for property, equipment, and buildings located at property commonly referred to as Pinewood Golf Course, located in Elk River, Minnesota. The contract for deed is to be repaid annually at 4% interest beginning July 2022. The contract for deed matures on August 1, 2037. The balance of this contract for deed is $287,398 at December 31, 2023. In 2006, the HRA issued a loan to a developer to assist in the financing of a housing development for the benefit of low and moderate income residents which was funded with state grant proceeds. Repayment of the loan is deferred for 30 years, payable in one lump sum at an interest rate of 1%. Notes receivable of $400,000 in the HRA is outstanding at December 31, 2023. Starting in 2015, the HRA issued loans to applicants under the rehabilitation loan program. The terms of each loan vary and are payable over five to 15 years with rates from 1.25% to 3.25%. Notes receivable of $162,108 in the HRA are outstanding at December 31, 2023. NOTE 5 – LEASES RECEIVABLE The City has various leases for building space. The lease agreements include annual principal and interest payments. Interest and discount rates on the lease agreements range from 3.0% to 3.9%. Revenue from these leases for the year ended December 31, 2023, was $65,395. There are also multiple leases with Verizon and Sprint that allows Elk River Municipal Utilities to place antennas on water towers. The lease payments increase yearly. Interest and discount rates on the lease agreements range from 1.41% to 1.78%. As of December 31, 2023, the lease principal receivable balance was $5,119,349. This is partially offset with a deferred inflow of lease resources. Page 191 of 464 71 City of Elk River Notes to Basic Financial Statements NOTE 6 – INTERFUND ASSETS/LIABILITIES At December 31, 2023, interfund balances for the City were as follows: Amount Due from/to other funds General Fund Nonmajor Governmental Funds 226,443$ General Fund Electric 128,160 General Fund Water 33,460 Pavement Management Electric 262,257 Nonmajor Governmental Funds Nonmajor Governmental Funds 884,132 Nonmajor Governmental Funds Electric 104,086 Sewer Nonmajor Governmental Funds 171,800 Sewer Electric 220,767 Garbage Electric 160,360 Storm Water Electric 53,291 Electric Sewer 580 Electric Garbage 2,006 Electric Storm Water 856 Water Nonmajor Governmental Funds 217,223 Total due from/to other funds 2,465,421$ Advances to/from other funds Nonmajor Governmental Funds Nonmajor Governmental Funds 200,000$ Due from/to component unit Primary Government - General Fund Component Unit - HRA 8,469$ Component Unit - HRA Primary Government - Nonmajor Governmental Funds 161,823 Total due from/to component unit 170,292$ Payable FundReceivable Fund The interfund receivable/payable balances result from the distribution of utility collections and the lending/borrowing between funds for operating or capital purposes. The advance between nonmajor governmental funds represents an interfund balance related to the purchase of a Zamboni ice resurfacer. In 2023, an amount of $200,000 was advanced from the Capital Outlay Reserve Fund to the Multipurpose Facility Fund. Annual principal payments of $20,000 will be made along with interest at a rate of four percent annually until the year 2033. The outstanding balance between the primary government and the component unit represents the transfer for administrative services and the lending/borrowing arrangement to finance construction costs. The $161,823 payable to the HRA will be paid with the collection of tax increment revenue and will not be repaid within one year. Page 192 of 464 72 City of Elk River Notes to Basic Financial Statements NOTE 7 – INTERFUND TRANSFERS Transfers during the year ended December 31, 2023, were as follows: Nonmajor Governmental Transfers Out General Funds Total General -$ 436,500$ 436,500$ Nonmajor governmental funds 423,500 902,289 1,325,789 Municipal Liquor 1,000,000 250,000 1,250,000 Sewer 170,000 - 170,000 Garbage 56,500 - 56,500 Storm Water 135,000 - 135,000 Electric 1,380,000 240,378 1,620,378 Total 3,165,000$ 1,829,167$ $4,994,167 Transfers In Interfund transfers are used to provide additional capital funding or to move revenues from the fund with collection authorization to debt service funds as principal and interest payments come due. In addition, interfund transfers are occasionally authorized to allow redistribution of resources between funds for the most efficient use of funds. Page 193 of 464 73 City of Elk River Notes to Basic Financial Statements NOTE 8 – CAPITAL ASSETS Capital asset activity for the year ended December 31, 2023, was as follows: Primary Government Beginning Ending Balance Increases Decreases Balance Governmental activities Capital assets not being depreciated Land 38,838,959$ -$ -$ 38,838,959$ Construction in progress 1,913,782 18,875 1,912,657 20,000 Total capital assets not being depreciated 40,752,741 18,875 1,912,657 38,858,959 Other capital assets Buildings 80,179,661 1,702,712 64,200 81,818,173 Other Improvements 15,044,458 130,895 - 15,175,353 Equipment 18,517,735 1,876,870 595,668 19,798,937 Infrastructure 78,753,214 5,345,624 1,428,483 82,670,355 Leased equipment 510,027 - 2,509 507,518 Total other capital assets at historical cost 193,005,095 9,056,101 2,090,860 199,970,336 Less accumulated depreciation for Buildings 23,646,255 2,839,060 64,200 26,421,115 Other Improvements 5,476,987 692,212 - 6,169,199 Equipment 10,773,755 1,250,419 595,668 11,428,506 Infrastructure 49,223,207 2,570,236 1,428,483 50,364,960 Less accumulated amortization for Leased equipment 100,938 114,969 2,509 213,398 Total accumulated depreciation and amortization 89,221,142 7,466,896 2,090,860 94,597,178 Total other capital assets, net 103,783,953 1,589,205 - 105,373,158 Governmental activities capital assets, net 144,536,694$ 1,608,080$ 1,912,657$ 144,232,117$ Depreciation and amortization expense was charged to functions/programs of the governmental activities as follows: Governmental activities General government 378,590$ Public safety 1,381,142 Public works 3,264,341 Culture and recreation 2,442,823 Total depreciation and amortization expense - governmental activities 7,466,896$ Page 194 of 464 74 City of Elk River Notes to Basic Financial Statements NOTE 8 – CAPITAL ASSETS (CONTINUED) Primary Government (Continued) Beginning Ending Balance Increases Decreases Balance Business-type activities Capital assets not being depreciated Land 1,965,026$ -$ -$ 1,965,026$ Construction in progress 2,351,587 4,755,746 3,278,633 3,828,700 Total capital assets not being depreciated 4,316,613 4,755,746 3,278,633 5,793,726 Other capital assets Buildings and improvements 40,144,257 1,305,623 43,300 41,406,580 Improvements other than buildings 266,259 - - 266,259 Equipment and furniture 12,929,995 1,077,877 488,571 13,519,301 Intangible assets 26,836,332 933,158 - 27,769,490 Collection and distribution 142,832,184 5,072,727 - 147,904,911 Leased equipment 48,008 - - 48,008 Total other capital assets at historical cost 223,057,035 8,389,385 531,871 230,914,549 Less accumulated depreciation for Buildings and improvements 12,743,129 1,235,829 39,150 13,939,808 Improvements other than buildings 107,582 15,922 - 123,504 Equipment and furniture 5,924,994 851,666 443,997 6,332,663 Intangible assets 2,838,423 668,135 - 3,506,558 Collection and distribution 74,081,387 3,838,482 - 77,919,869 Less accumulated amortization for Leased equipment 5,920 9,602 - 15,522 Total accumulated depreciation and amortization 95,701,435 6,619,636 483,147 101,837,924 Total other capital assets, net 127,355,600 1,769,749 48,724 129,076,625 Business-type activities capital assets, net 131,672,213$ 6,525,495$ 3,327,357$ 134,870,351$ Depreciation and amortization expense was charged to functions/programs of the business-type activities as follows: Business-type activities Municipal liquor 62,030$ Sewer 1,710,941 Storm water 494,793 Electric 3,177,120 Water 1,174,752 Total depreciation expense - business-type activities 6,619,636$ Page 195 of 464 75 City of Elk River Notes to Basic Financial Statements NOTE 8 – CAPITAL ASSETS (CONTINUED) Capital asset activity for the HRA for the year ended December 31, 2022, was as follows: Discretely Presented Component Unit Beginning Ending Balance Increases Decreases Balance Capital assets not being depreciated Land 315,900$ -$ -$ 315,900$ Capital assets being depreciated Improvements other than buildings 174,290 - - 174,290 Less accumulated depreciation for Improvements other than buildings 117,162 11,619 - 128,781 Total capital assets being depreciated, net 57,128 (11,619) - 45,509 Component unit capital assets, net 373,028$ (11,619)$ -$ 361,409$ Depreciation expense was charged to functions/programs of the HRA as follows: Business-type activities Housing and Redevelopment Authority 11,619$ NOTE 9 – LONG-TERM DEBT A. General Obligation Bonds The City issues general obligation (G.O.) bonds to provide for the construction of major capital improvements having a relatively long life. They are payable from special assessments levied and collected on local improvements to property and are backed by the full faith and credit of the City. Page 196 of 464 76 City of Elk River Notes to Basic Financial Statements NOTE 9 – LONG-TERM DEBT (CONTINUED) B. Components of Long-Term Liabilities Primary Government Issue Interest Original Final Balance Date Rates Issue Maturity End of Year Governmental activities General obligation bonds EDA G.O. Refunding Bonds, Series 2013A 02/12/13 2.00%-3.00% 9,685,000$ 02/01/33 6,485,000$ G.O. Sales Tax Revenue Bonds, Series 2019A 09/19/19 2.50%-5.00% 32,715,000 12/01/44 29,625,000 G.O. Capital Improvement Bonds, Series 2020A 12/29/20 1.00%-5.00% 9,435,000 02/01/42 9,100,000 12/29/20 1.00%-5.00% 5,340,000 02/01/33 3,530,000 05/20/21 1.35%-5.00% 4,805,000 02/01/42 4,570,000 Total general obligation bonds 53,310,000 Unamortized bond premium/discount 4,320,442 Lease liability 295,134 Compensated absences 1,992,878 Total governmental activities 59,918,454 Business-type activities General obligation revenue bonds 12/29/20 1.00%-1.70% 7,200,000 02/01/35 6,680,000 G.O. Water Revenue Bonds, Series 2021C 06/10/21 2.00%-4.00% 1,615,000 08/01/41 1,505,000 Total general obligation revenue bonds 8,185,000 Revenue Bonds Electric Revenue Bonds, Series 2016A 07/14/16 2.00%-4.00% 9,755,000 02/01/36 7,515,000 Electric Revenue Bonds, Series 2018A 09/26/18 3.50%-5.00% 10,000,000 08/01/48 9,025,000 Electric Revenue Bonds, Series 2021B 05/13/21 2.00%-5.00% 11,810,000 08/01/51 11,420,000 Total revenue bonds 27,960,000 Total bonds 36,145,000 Unamortized bond premium/discount 1,399,515 Lease liability 32,679 Compensated absences 673,722 Total business-type activities 38,250,916 Total all long-term liabilities 98,169,370$ G.O. Capital Improvement Refunding Bonds, Series 2020B G.O. Capital Improvement and Equipment Bonds, Series 2021A G.O. Sewer Revenue Refunding Bonds, Series 2020C Long-term bonded indebtedness listed above were issued to finance equipment and the acquisition and construction of capital facilities or to refinance (refund) previous bond issues. Page 197 of 464 77 City of Elk River Notes to Basic Financial Statements NOTE 9 – LONG-TERM DEBT (CONTINUED) C. Changes in Long-Term Liabilities Long-term liability activity for the year ended December 31, 2023, was as follows: Primary Government Beginning Ending Due Within Balance Additions Reductions Balance One Year Governmental activities Bonds payable General obligation bonds 25,760,000$ -$ (2,075,000)$ 23,685,000$ 1,470,000$ General obligation revenue bonds 30,515,000 - (890,000) 29,625,000 935,000 Unamortized bond premiums 4,572,375 - (251,933) 4,320,442 - Total bonds payable 60,847,375 - (3,216,933) 57,630,442 2,405,000 Lease liability 407,831 - (112,697) 295,134 113,628 Compensated absences payable 1,866,430 902,039 (775,591) 1,992,878 917,398 Governmental activities long-term liabilities 63,121,636$ 902,039$ (4,105,221)$ 59,918,454$ 3,436,026$ Business-type activities Bonds payable General obligation revenue bonds 8,765,000$ -$ (580,000)$ 8,185,000$ 580,000$ Revenue bonds 28,875,000 - (915,000) 27,960,000 955,000 Unamortized bond premiums 1,468,489 - (68,974) 1,399,515 - Total bonds payable 39,108,489 - (1,563,974) 37,544,515 1,535,000 Lease liability 41,895 - (9,216) 32,679 9,481 Compensated absences payable 635,154 610,436 (571,868) 673,722 610,843 Business-type activities long-term liabilities 39,785,538$ 610,436$ (2,145,058)$ 38,250,916$ 2,155,324$ Page 198 of 464 78 City of Elk River Notes to Basic Financial Statements NOTE 9 – LONG-TERM DEBT (CONTINUED) D. Minimum Debt Payments Minimum annual principal and interest payments required to retire long-term liabilities: Primary Government Year Ending December 31, Principal Interest Principal Interest Principal Interest 2024 1,470,000$ 589,285$ 935,000$ 984,838$ 113,628$ 4,167$ 2025 1,530,000 531,760 1,000,000 938,088 115,099 2,696 2026 1,590,000 473,060 1,030,000 888,088 54,996 1,192 2027 1,640,000 412,616 1,080,000 836,588 11,411 67 2028 1,705,000 353,966 1,135,000 782,588 - - 2029-2033 9,085,000 1,024,443 6,450,000 3,145,788 - - 2034-2038 3,580,000 418,540 7,550,000 2,045,056 - - 2039-2043 3,085,000 112,490 8,580,000 1,014,725 - - 2044 - - 1,865,000 55,950 - - Total 23,685,000$ 3,916,160$ 29,625,000$ 10,691,709$ 295,134$ 8,122$ Year Ending December 31, Principal Interest Principal Interest Principal Interest 2024 580,000$ 123,835$ 955,000$ 849,381$ 9,481$ 805$ 2025 595,000 116,185 990,000 811,306 9,754 533 2026 605,000 108,260 1,035,000 774,406 10,035 252 2027 605,000 100,110 1,075,000 738,256 3,409 20 2028 620,000 91,910 1,105,000 700,606 - - 2029-2033 3,225,000 312,740 6,130,000 2,909,631 - - 2034-2038 1,655,000 78,195 5,730,000 1,938,006 - - 2039-2043 300,000 12,000 4,340,000 1,279,006 - - 2044-2048 - - 4,985,000 630,856 - - 2049 - - 1,615,000 73,240 - - Total 8,185,000$ 943,235$ 27,960,000$ 10,704,694$ 32,679$ 1,610$ G.O. Revenue Bonds Revenue Bonds Lease Liability G.O. Revenue BondsG.O. Bonds Lease Liability Governmental Activities Business-Type Activities E. Lease Liability The City entered into lease agreements for copiers, a mail machine, body cameras, fleet cameras, and tasers. The lease agreements include annual principal and interest payments as noted above. Interest and discount rates on the lease agreements range from 0.36% to 2.84%. Page 199 of 464 79 City of Elk River Notes to Basic Financial Statements NOTE 10 – FUND BALANCE Fund equity balances are classified as follows to reflect the limitations and restrictions of the respective funds. Nonmajor General Pavement Governmental Fund Management Funds Total Nonspendable Prepaid items 82,513$ -$ 131,738$ 214,251$ Restricted Park and recreation improvements - - 1,773,916 1,773,916 Debt service - - 9,337,777 9,337,777 Landfill mitigation - - 935,949 935,949 Law enforcement - - 6,459 6,459 Fiscal recovery - - 147,725 147,725 Economic development - - 1,668,171 1,668,171 Public safety - - 1,145,601 1,145,601 Capital projects - - 902,987 902,987 Total restricted - - 15,918,585 15,918,585 Committed Capital projects - - 99,206 99,206 Street improvements - 3,273,427 - 3,273,427 Library operations - - 226,186 226,186 Economic development - - 3,692,542 3,692,542 Total committed - 3,273,427 4,017,934 7,291,361 Assigned Building construction/improvements - - 4,757,755 4,757,755 Economic development - - 728,192 728,192 Capital equipment - - 3,264,650 3,264,650 Street improvements - - 496,997 496,997 Other improvement projects - - 2,208,428 2,208,428 Park improvements - - 308,137 308,137 Total assigned - - 11,764,159 11,764,159 Unassigned 9,240,805 - (1,643,916) 7,596,889 Total fund balances 9,323,318$ 3,273,427$ 30,188,500$ 42,785,245$ Major Funds Page 200 of 464 80 City of Elk River Notes to Basic Financial Statements NOTE 11 – RISK MANAGEMENT The City is exposed to various risks of loss related to torts; theft of damage to and destruction of assets; errors and omissions; injuries to employees; and natural disasters for which the City carries insurance. The City 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 City 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 City's 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 City's management is not aware of any incurred but not reported claims. NOTE 12 – PENSION PLANS The City participates in various pension plans. Total pension expense for the year ended December 31, 2023, was $3,485,532. The components of pension expense are noted in the following plan summaries. The General Fund and Municipal Liquor, Sewer, Electric, and Water Funds typically liquidate the liability related to the pensions. Public Employees' Retirement Association A. Plan Description The City participates in the following cost-sharing multiple-employer defined benefit pension plans administered by 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 Plan All full-time and certain part-time employees of the City are covered by the General Employees Plan. General Employees Plan members belong to the Coordinated Plan. Coordinated Plan members are covered by Social Security. Public Employees Police and Fire Plan The Police and Fire Plan, originally established for police officers and firefighters not covered by a local relief association, now covers all police officers and firefighters hired since 1980. Effective July 1, 1999, the Police and Fire Plan also covers police officers and firefighters belonging to local relief associations that elected to merge with and transfer assets and administration to PERA. Page 201 of 464 81 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Public Employees' Retirement Association (Continued) B. Benefits Provided PERA provides retirement, disability, and death benefits. Benefit provisions are established by state statute and can only be modified by the state Legislature. Vested, terminated employees who are entitled to benefits, but are not receiving them yet, are bound by the provisions in effect at the time they last terminated their public service. General Employees Plan Benefits General Employees Plan benefits are based on a member's highest average salary for any 5 successive years of allowable service, age, and years of credit at termination of service. Two methods are used to compute benefits for PERA's Coordinated Plan members. Members hired prior to July 1, 1989, receive the higher of Method 1 or Method 2 formulas. Only Method 2 is used for members hired after June 30, 1989. Under Method 1, the accrual rate for a Coordinated members is 1.2% for each of the first 10 years of service and 1.7% for each additional year. Under Method 2, the accrual rate for Coordinated members is 1.7% for all years of service. For members hired prior to July 1, 1989, a full annuity is available when age plus years of service equal 90 and normal retirement age is 65. For members hired on or after July 1, 1989, normal retirement age is the age for unreduced Social Security benefits capped at 66. Benefit increases are provided to benefit recipients each January. The postretirement increase is equal to 50% of the cost-of-living adjustment (COLA) announced by the SSA, with a minimum increase of at least 1% and a maximum of 1.5%. Recipients that have been receiving the annuity or benefit for at least a full year as of the June 30 before the effective date of the increase will receive the full increase. Recipients receiving the annuity or benefit for at least one month but less than a full year as of the June 30 before the effective date of the increase will receive a reduced prorated increase. In 2023, legislation repealed the statute delaying increases for members retiring before full retirement age. Police and Fire Plan Benefits Benefits for the Police and Fire Plan members first hired after June 30, 2010, but before July 1, 2014, vest on a prorated basis from 50% after five years up to 100% after 10 years of credited service. Benefits for Police and Fire Plan members first hired after June 30, 2014, vest on a prorated basis from 50% after 10 years up to 100% after 20 years of credited service. The annuity accrual rate is 3% of average salary for each year of service. For Police and Fire Plan members who were first hired prior to July 1, 1989, a full annuity is available when age plus years of service equal at least 90. Benefit increases are provided to benefit recipients each January. The postretirement increase is fixed at 1%. Recipients that have been receiving the annuity or benefit for at least 36 months as of the June 30 before the effective date of the increase will receive the full increase. Recipients receiving the annuity or benefit for at least 25 months but less than 36 months as of the June 30 before the effective date of the increase will receive a reduced prorated increase. Page 202 of 464 82 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Public Employees' Retirement Association (Continued) C. Contributions Minnesota Statutes Chapter 353 sets the rates for employer and employee contributions. Contribution rates can only be modified by the state Legislature. General Employees Fund Contributions Coordinated Plan members were required to contribute 6.5% of their annual covered salary in fiscal year 2023 and the City and HRA were required to contribute 7.5% for Coordinated Plan members. The City and HRA contributions to the General Employees Fund for the year ended December 31, 2023, were $972,578 and $5,799, respectively. The contributions were equal to the required contributions as set by state statute. Police and Fire Fund Contributions Police and Fire Plan members were required to contribute 11.8% of their annual covered salary in fiscal year 2023, and the City was required to contribute 17.7% for Police and Fire Plan members. The City's contributions to the Police and Fire Fund for the year ended December 31, 2023, were $779,420. The City's contributions were equal to the required contributions as set by state statute. D. Pension Costs General Employees Fund Pension Costs At December 31, 2023, the City and HRA reported liabilities of $9,033,562 and $53,256, respectively, for their proportionate shares of the General Employees Fund's net pension liability. The City and HRA net pension liabilities reflected a reduction due to the State of Minnesota's contribution of $16 million. The State of Minnesota is considered a non-employer contributing entity and the State's contribution meets the definition of a special funding situation. The State of Minnesota's proportionate share of the net pension liability associated with the City and HRA totaled $249,055 and $1,468, respectively. Page 203 of 464 83 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Public Employees' Retirement Association (Continued) D. Pension Costs (Continued) General Employees Fund Pension Costs (Continued) The net pension liability was measured as of June 30, 2023, and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The City's proportionate share of the net pension liability was based on the City's contributions received by PERA during the measurement period for employer payroll paid dates from July 1, 2022, through June 30, 2023, relative to the total employer contributions received from all of PERA's participating employers. The City's proportionate share was 0.1599% at the end of the measurement period and 0.1606% for the beginning of the period. The HRA's proportionate share was 0.0010% at the end of the measurement period and 0.0008% for the beginning of the period. City's proportionate share of the net pension liability 9,033,562$ HRA's proportionate share of the net pension liability 53,256 State of Minnesota's proportionate share of the net pension liability associated with the City 250,523 Total 9,337,341$ For the year ended December 31, 2023, the City and HRA recognized pension expense of $1,581,793 and $10,561, respectively, for their proportionate share of General Employees Plan's pension expense. Included in the amount, the City recognized $662 and the HRA recognized $65 as pension expense (and grant revenue), respectively, for their proportionate share of the State of Minnesota's contribution of $16 million to the General Employees Fund. Page 204 of 464 84 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Public Employees' Retirement Association (Continued) D. Pension Costs (Continued) General Employees Fund Pension Costs (Continued) At December 31, 2023, the City and HRA reported its proportionate share of the General Employees Plan's deferred outflows of resources and deferred inflows of resources, related to pensions from the following sources: Primary Government Differences between expected and actual economic experience 296,181$ 59,511$ Changes in actuarial assumptions 1,400,657 2,476,022 Net difference between projected and actual investment earnings - 235,213 Changes in proportion 206,704 - Contributions paid to PERA subsequent to the measurement date 483,600 - Total 2,387,142$ 2,770,746$ Deferred Outflows of Resources Deferred Inflows of Resources Discretely Presented Component Unit Differences between expected and actual economic experience 1,747$ 351$ Changes in actuarial assumptions 8,265 14,597 Net difference between projected and actual investment earnings - 1,366 Changes in proportion 1,480 - Contributions paid to PERA subsequent to the measurement date 2,900 - Total 14,392$ 16,314$ Deferred Outflows of Resources Deferred Inflows of Resources Page 205 of 464 85 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Public Employees' Retirement Association (Continued) D. Pension Costs (Continued) General Employees Fund Pension Costs (Continued) Discretely Presented Component Unit (Continued) The $486,500 for the City and the $2,900 for the HRA reported as deferred outflows of resources related to pensions resulting from City and HRA contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ended December 31, 2024. Other amounts reported as deferred outflows and deferred inflows of resources related to pensions will be recognized in pension expense as noted on the following page. Primary Government Pension Year Ending Expense December 31,Amount 2024 342,866$ 2025 (1,226,982) 2026 212,879 2027 (195,967) Total (867,204)$ Discretely Presented Component Unit Pension Year Ending Expense December 31,Amount 2024 2,159$ 2025 (7,126) 2026 1,301 2027 (1,156) Total (4,822)$ Page 206 of 464 86 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Public Employees' Retirement Association (Continued) D. Pension Costs (Continued) Police and Fire Fund Pension Costs (Continued) At December 31, 2023, the City reported a liability of $5,491,447 for its proportionate share of the Police and Fire Fund's net pension liability. The net pension liability was measured as of June 30, 2023, and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The City's proportionate share of the net pension liability was based on the City's contributions received by PERA during the measurement period for employer payroll paid dates from July 1, 2022, through June 30, 2023, relative to the total employer contributions received from all of PERA's participating employers. The City's proportionate share was 0.3180% at the end of the measurement period and 0.3277% for the beginning of the period. The State of Minnesota contributed $18 million to the Police and Fire Fund in the plan fiscal year ended June 30, 2023. The contribution consisted of $9 million in direct state aid that meets the definition of a special funding situation and $9 million in supplemental state aid that does not meet the definition of a special funding situation. The $9 million direct state aid was paid on October 1, 2022. Thereafter, by October 1 of each year, the State will pay $9 million to the Police and Fire Fund until full funding is reached or July 1, 2048, whichever is earlier. The $9 million in supplemental state aid will continue until the fund is 90% funded, or until the State Patrol Plan (administered by the Minnesota State Retirement System) is 90% funded, whichever occurs later. The State of Minnesota's proportionate share of the net pension liability associated with the City totaled $221,260. City's proportionate share of the net pension liability 5,491,447$ State of Minnesota's proportionate share of the net pension liability associated with the City 221,260 Total 5,712,707$ The State of Minnesota is included as a non-employer contributing entity in the Police and Fire Retirement Plan Schedule of Employer Allocations and Schedule of Pension Amounts by Employer (pension allocation schedules for the $9 million in direct state aid. Police and Fire Plan employers need to recognize their proportionate share of the State of Minnesota's pension expense (and grant revenue) under GASB 68 special funding situation accounting and financial reporting requirements. For the year ended December 31, 2023, the City recognized pension expense of $1,621,320 for its proportionate share of the Police and Fire Plan's pension expense. Included in this amount, the City recognized ($13,326) as pension expense (and grant revenue) for its proportionate share of the State of Minnesota's contribution of $9 million to the Police and Fire Fund. The State of Minnesota is not included as a non-employer contributing entity in the Police and Fire Pension Plan pension allocation schedules for the $9 million in supplemental state aid. The City also recognized $28,620 for the year ended December 31, 2023, as revenue and an offsetting reduction of the net pension liability for its proportionate share of the State of Minnesota's on-behalf contributions to the Police and Fire Fund. Page 207 of 464 87 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Public Employees' Retirement Association (Continued) D. Pension Costs (Continued) Police and Fire Fund Pension Costs (Continued) At December 31, 2023, the City reported its proportionate share of the Police and Fire Plan's deferred outflows of resources and deferred inflows of resources related to pensions from the following sources. Differences between expected and actual economic experience 1,520,273$ -$ Changes in actuarial assumptions 6,456,480 7,719,530 Net difference between projected and actual investment earnings - 138,390 Changes in proportion 183,567 414,567 Contributions paid to PERA subsequent to the measurement date 389,710 - Total 8,550,030$ 8,272,487$ Deferred Outflows of Resources Deferred Inflows of Resources The $389,710 reported as deferred outflows of resources related to pensions resulting from City contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ended December 31, 2024. Other amounts reported as deferred outflows and inflows of resources related to pensions will be recognized in pension expense as follows: Year Ending Pension Expense December 31,Amount 2024 268,098$ 2025 76,767 2026 1,357,037 2027 (381,250) 2028 (1,432,819) Total (112,167)$ Page 208 of 464 88 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Public Employees' Retirement Association (Continued) E. Long-Term Expected Return on Investment 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 table on the following page. Expected Real Rate of Return Domestic equity 35.5 % 5.10 % Private markets 25.0 5.90 Fixed income 20.0 0.75 International equity 17.5 5.90 Cash equivalents 2.0 0.00 Total 100.0 % Long-Term Asset Class Target Allocation F. Actuarial Methods and Assumptions The total pension liability in the June 30, 2023, actuarial valuation was determined using an individual entry-age normal actuarial cost method. The long-term rate of return on pension plan investments used in the determination of the total liability is 7.0%. This assumption is based on a review of inflation and investments return assumptions from a number of national investment consulting firms. The review provided a range of return investment return rates deemed to be reasonable by the actuary. An investment return of 7.0% was deemed to be within that range of reasonableness for financial reporting purposes. Inflation is assumed to be 2.25% for the General Employees Plan and 2.25% for the Police and Fire Plan. Benefit increases after retirement are assumed to be 1.25% for the General Employees Plan and 1% for the Police and Fire Plan. Salary growth assumptions in the General Employees Plan range in annual increments from 10.25% after one year of service to 3.0% after 27 years of service. In the Police and Fire Plan, salary growth assumptions range from 11.75% after one year of service to 3.0% after 24 years of service. Mortality rates for the General Employees Plan are based on the Pub-2010 General Employee Mortality Table. Mortality rates for the Police and Fire Plan are based on the Pub-2010 Public Safety Employee Mortality tables. The tables are adjusted slightly to fit PERA's experience. Page 209 of 464 89 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Public Employees' Retirement Association (Continued) F. Actuarial Methods and Assumptions (Continued) Actuarial assumptions for the General Employees Plan are reviewed every four years. The most recent four-year experience study for the General Employees Plan was completed in 2022. The assumption changes were adopted by the Board and became effective with the July 1, 2023, actuarial valuation. The most recent four-year experience study for the Police and Fire Plan was completed in 2020 and was adopted by the Board and became effective with the July 1, 2021, actuarial valuation. The following changes in actuarial assumptions and plan provisions occurred in 2023: General Employees Fund Changes in Actuarial Assumptions The investment return assumption and single discount rate were changed from 6.5% to 7.0%. Changes in Plan Provisions An additional one-time direct state aid contribution of $170.1 million will be contributed to the Plan on October 1, 2023. The vesting period of those hired after June 30, 2010, was changed from five years of allowable service to three years of allowable service. The benefit increase delay for early retirements on or after January 1, 2024, was eliminated. A one-time, non-compounding benefit increase of 2.5% minus the actual 2024 adjustment will be payable in a lump sum for calendar year 2024 by March 31, 2024. Police and Fire Fund Changes in Actuarial Assumptions The investment return assumption and single discount rate were changed from 6.5% to 7.0%. The single discount rate changed from 5.4% to 7.0%. Changes in Plan Provisions Additional one-time direct state aid contribution of 19.4 million will be contributed to the Plan on October 1, 2023. Vesting requirement for new hires after June 30, 2014, was changed from a graded 20-year vesting schedule to a graded 10-year vesting schedule, with 50% vesting after five years, increasing incrementally to 100% after 10 years. A one-time, non-compounding benefit increase of 3.0% will be payable in a lump sum for calendar year 2024 by March 31, 2024. Psychological treatment is required effective July 1, 2023, prior to approval for a duty disability benefit for a psychological condition relating to the member's occupation. The total and permanent duty disability benefit was increased, effective July 1, 2023. Page 210 of 464 90 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Public Employees' Retirement Association (Continued) G. Discount Rate The discount rate used to measure the total pension liability in 2023 was 7.0%. 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 positions of the General Employees and Police and Fire Plans were 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. H. Pension Liability Sensitivity The following presents the City and HRA's proportionate shares of the net pension liability for all plans it participates in, calculated using the discount rate disclosed in the preceding paragraph, as well as what the City's proportionate share of the net pension liability would be if it were calculated using a discount rate 1 percentage point lower or 1 percentage point higher than the current discount rate: Primary Government 1% Decrease in Current 1% Increase in City's proportionate share of the General Employees Fund net pension liability 15,981,095$ 9,033,562$ 3,318,950$ 1% Decrease in Current 1% Increase in City's proportionate share of the Police and Fire Fund net pension liability (asset) 10,895,685$ 5,491,447$ 1,048,440$ Discount Rate (6.0%) Discount Rate (7.0%) Discount Rate (8.0%) Discount Rate (6.0%) Discount Rate (7.0%) Discount Rate (8.0%) Discretely Presented Component Unit 1% Decrease in Current 1% Increase in HRA's proportionate share of the General Employees Fund net pension liability 94,215$ 53,256$ 19,567$ Discount Rate (6.0%) Discount Rate (7.0%) Discount Rate (8.0%) I. 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. Page 211 of 464 91 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Public Employees Defined Contribution Plan (Defined Contribution Plan) Three council members of the City of Elk River are covered by the Defined Contribution Plan, a multiple employer deferred compensation plan administered by PERA. The Defined Contribution Plan is a tax qualified plan under Section 401(a) of the Internal Revenue Code and all contributions by or on behalf of employees are tax deferred until time of withdrawal. The defined contribution plan consists of individual accounts paying a lump-sum benefit. Plan benefits depend solely on amounts contributed to the plan plus investment earnings, less administrative expenses; therefore, there is no future liability to the City. Minnesota Statutes Chapter 353D.03, specifies plan provisions, including the employee and employer contribution rates for those qualified personnel who elect to participate. An eligible elected official who decides to participate contributes 5% of salary which is matched by the elected official's employer. For ambulance service personnel, employer contributions are determined by the employer, and for salaried employees must be a fixed percentage of salary. Employer contributions for volunteer personnel may be a unit value for each call or period of alert duty. Employees who are paid for their services may elect to make member contributions in an amount not to exceed the employer share. Employer and employee contributions are combined and used to purchase shares in one or more of the seven accounts of the Minnesota Supplemental Investment Fund. For administering the plan, PERA receives 2% of employer contributions and twenty-five hundredths of 1% (.25%) of the assets in each member's account annually. Pension expense for the year is equal to the contributions made. Total contributions made by the City during fiscal year 2023 were: Contribution Amount Percentage of Covered Payroll Employee Employer Employee Employer Required Rate 850$ 850$ 5% 5% 5% Defined Benefit Pension Plan – Volunteer Firefighter's Relief Association A. Plan Description The Elk River Firefighter's Relief Association is the administrator of a single employer defined benefit pension plan established to provide benefits for members of the Elk River Fire Department per Minnesota State Statutes. B. Benefits Provided Volunteer firefighters of the City are members of the Elk River Firefighter's Relief Association. Full retirement benefits are payable to members who have reached age 50 and have completed 20 years of service for lump sum service pensions. Partial benefits are payable to members who have reached 50 and have completed 5 years of service. Disability benefits and widow and children's survivor benefits are also payable to members, or their beneficiaries based upon requirements set forth in the bylaws. These benefit provisions and all other requirements are consistent with enabling state statutes. Page 212 of 464 92 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Defined Benefit Pension Plan – Volunteer Firefighter's Relief Association C. Employees Covered by Benefit Terms At December 31, 2022, the following employees were covered by the benefit terms: Inactive employees entitled to but not yet receiving benefit payments 14 Active employees 53 Total 67 D. Contributions Minnesota Statutes Chapter 424A.092 specifies minimum support rates required on an annual basis. The minimum support rates from the municipality and from State aids are determined as the amount required to meet the normal cost plus amortizing any existing prior service costs over a ten year period. The City's obligation is the financial requirement for the year less state aids. Any additional payments by the City shall be used to amortize the unfunded liability of the relief association. The Association is comprised of volunteers: therefore, there are no payroll expenditures (i.e., there are no covered payroll percentage calculations). During the year, the City recognized as revenue and as an expenditure on behalf payment of $275,775 made by the State of Minnesota for the Relief Association. E. Net Pension Liability The City's net pension liability was measured as of December 31, 2022, and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The total pension liability in the December 31, 2022, actuarial valuation was determined using the following actuarial assumptions, applied to all periods included in the measurement: Inflation 2.50 % Per year Discount rate 5.00 % Per year Investment rate of return 5.00 % The demographic assumption of mortality is based on the rates use in the July 1, 2020, Minnesota PERA Police & Fire Plan actuarial valuation as described below. Healthy Pre-retirement: Pub-2010 Public Safety Employee mortality tables with projected mortality improvements based on scale MP-2021. Healthy Post-retirement: Pub-2010 Healthy Retired Public Safety mortality tables with projected mortality improvements based on scale MP-2021 with male rates being adjusted by a factor of 0.98. Page 213 of 464 93 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Defined Benefit Pension Plan – Volunteer Firefighter's Relief Association (Continued) E. Net Pension Liability (Continued) Disabled: Pub-2010 Public Safety Disabled Retiree mortality tables with projected mortality improvements based on scale MP-2021. Male rates are adjusted by a factor of 1.05. The 5.00% long-term expected rate of return on pension plan investments was determined using a building-block method in which best estimates for expected future real rates of return (expected returns, net of inflation) were developed for each asset class using the plan's target investment allocation along with long-term return expectations by asset class. Inflation expectations were applied to derive the nominal rate of return for the portfolio. Best estimates of arithmetic real rates of return for each major asset class included in the pension plan's target asset allocation as of the measurement date are summarized in the table below. Domestic equity 32.0 % 4.10 % International equity 23.0 4.64 Fixed income 25.0 1.05 Real estate and alternatives 5.0 3.54 Cash and equivalents 15.0 -0.45 Total 100.0 % Target AllocationAsset Class Long-Term Expected Real Rate of Return The discount rate used to measure the total pension liability was 5.00%. The projection of cash flows used to determine the discount rate assumed that contributions to the plan will be made as specified in statute. Based on that assumption and considering the funding ratio of the plan, the fiduciary net position was projected to be available to make all projected future benefit payments of current active and inactive members. Therefore, the long-term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to determine the total pension liability. Page 214 of 464 94 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Defined Benefit Pension Plan – Volunteer Firefighter's Relief Association (Continued) F. Changes in the Net Pension Liability Total Plan Fiduciary Net Pension Net Pension Liability Position Liability (a) (b) (a) - (b) Balances at December 31, 2022 3,828,551$ 4,394,086$ (565,535)$ Changes for the year Service cost 196,328 - 196,328 Interest cost 179,830 - 179,830 Differences between expected and actual experience (162,665) - (162,665) Changes of assumptions (11,236) - (11,236) Contributions - State and local - 285,658 (285,658) Net investment income - (525,860) 525,860 Benefit payments (856,550) (856,550) - Administrative expense - (15,416) 15,416 Net changes (654,293) (1,112,168) 457,875 Balances at December 31, 2023 3,174,258$ 3,281,918$ (107,660)$ Increase (Decrease) Sensitivity of the net pension liability to changes in the discount rate. The following table on the next page presents the net pension liability of the City, calculated using the discount rate of 5.00%, as well as what the City's net pension liability would be if it were calculated using a discount rate that is 1-percentage-point lower (4.00%) or 1-percentage-point higher (6.00%) than the current rate: 1% Decrease in Current 1% Increase in Discount Rate Discount Rate Discount Rate (4.00%) (5.00%) (6.00%) City's proportionate share of the Plan net pension liability (asset) (11,049)$ (107,660)$ (199,559)$ Detailed information about the pension plan's fiduciary net position is available in the separately issued relief association financial report. Page 215 of 464 95 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Defined Benefit Pension Plan – Volunteer Firefighter's Relief Association (Continued) G. Pension Expense and Deferred Outflows of Resources and Deferred Inflows of Resources Related to Pensions For the year ended December 31, 2023, the City recognized pension expense of ($37,767). At December 31, 2023, the City reported deferred outflows of resources and deferred inflows of resources related to pensions from the following sources: Differences between expected and actual liability 14,692$ 280,993$ Changes in actuarial assumptions 46,663 9,933 Net collective difference between projected and actual investment earnings 342,248 - Contributions paid to the plan subsequent to the measurement date 305,775 - Total 709,378$ 290,926$ Deferred Outflows of Resources Deferred Inflows of Resources The $305,775 reported as deferred outflows of resources related to pensions resulting from contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ended December 31, 2024. Other amounts reported as deferred outflows and inflows of resources related to pensions will be recognized in pension expense as shown on the following page: Year Ending Pension Expense December 31,Amount 2024 (35,209)$ 2025 38,997 2026 71,655 2027 116,660 2028 (29,572) Thereafter (49,854) Total 112,677$ Page 216 of 464 96 City of Elk River Notes to Basic Financial Statements NOTE 12 – PENSION PLANS (CONTINUED) Defined Benefit Pension Plan – Volunteer Firefighter's Relief Association (Continued) H. Pension Expense and Deferred Outflows of Resources and Deferred Inflows of Resources Related to Pensions (Continued) NOTE 13 – POST EMPLOYMENT HEALTH CARE PLAN A. Plan Description The City provides other postemployment health insurance benefits for retired employees through a defined benefit plan: Municipal Retirees Health Plan (MRHP), a single employer defined benefit healthcare plan. The plan provides benefits for eligible retirees and their dependents through the City's group health insurance plans, which cover both active and retired members. Since the premium is a blended rate determined on the active and retiree population, the retirees are receiving an implicit rate subsidy. The MRHP does not issue publicly available financial reports. Elk River Municipal Utilities has switched to age-based medical premiums and no longer has an OPEB liability. Since medical premiums are age-based, the premiums are equal to the expected true cost of retiree coverage. As a result, there is no implicit subsidy for these benefits. There is also no explicit subsidy since retirees must pay the full premium to remain covered during retirement. B. Funding Policy Contribution requirements are reviewed at the time changes are made to the plans. Benefit provisions for MRHP are established and amended by the City. Eligible retirees receiving benefits are required to pay 100% of the total premium. C. Members As of the valuation date of January 1, 2023, the following were covered by the benefit terms: Active employees electing coverage 135 Retirees receiving payments 7 Spouses receiving payments 4 Total 146 Page 217 of 464 97 City of Elk River Notes to Basic Financial Statements NOTE 13 – POST EMPLOYMENT HEALTH CARE PLAN (CONTINUED) D. Actuarial Assumptions The total OPEB liability was determined by an actuarial valuation measured as of January 1, 2023, using the following actuarial assumptions, applied to all periods included in the measurement, unless otherwise specified: Discount rate 4.00% Salary increases Service graded table Inflation 2.50% Medical trend rate Mortality assumption Pub-2010 Public Retirement Plans Headcount-Weighted Mortality Tables (General, Safety) with MP-2021 Generational Improvement Scale Key Methods and Assumptions Used in Valuation of Total OPEB Liability 6.25% in 2023, grading to 5.00% over 6 years and then to 4.00% over the next 48 years The actuarial assumptions used in the January 1, 2023, valuation were based on the results of an actuarial experience study for the period January 1, 2022 to December 31, 2022. The discount rate used to measure the total OPEB liability was 4.00% based on 20-year municipal bond rates. E. Total OPEB Liability The City's total OPEB liability of $826,361 was measured as of January 1, 2023, and was determined by an actuarial valuation as of that date. Page 218 of 464 98 City of Elk River Notes to Basic Financial Statements NOTE 13 – POST EMPLOYMENT HEALTH CARE PLAN (CONTINUED) E. Total OPEB Liability (Continued) Changes in the total OPEB liability are as follows: Balance at December 31, 2022 902,334$ Changes for the year Service cost 49,594 Interest 18,488 Differences between expected and actual experience economic experience 5,939 Changes of assumptions (94,638) Benefit payments (55,356) Net changes (75,973) Balance at December 31, 2023 826,361$ The General Fund and Municipal Liquor and Sewer Funds typically liquidate the liability related to OPEB. No assets are accumulated in a trust to pay related benefits. F. OPEB Liability Sensitivity The following presents the City's total OPEB liability calculated using the discount rate of 2.00% as well as the liability measured using 1% lower and 1% higher than the current discount rate. 1% Decrease Current 1% Increase 3.00% 4.00% 5.00% 883,804$ 826,361$ 772,895$ Total OPEB Liability The table below presents the total OPEB liability of the City, as well as what the City's total OPEB liability would be if it were calculated using healthcare cost trend rates that are 1% lower and 1% higher than the current healthcare cost trend rates. 1% Decrease Current 1% Increase 754,703$ 826,361$ 909,635$ Total OPEB Liability (5.25% Decreasing to 3.0%) (6.25% Decreasing to 4.0%) (7.25% Decreasing to 5.0%) Page 219 of 464 99 City of Elk River Notes to Basic Financial Statements NOTE 13 – POST EMPLOYMENT HEALTH CARE PLAN (CONTINUED) G. OPEB Expense and Deferred Outflows of Resources and Deferred Inflows of Resources Related to OPEB For the year ended December 31, 2023, the City recognized OPEB expense of $33,351. At December 31, 2023, the City reported deferred outflows of resources and deferred inflows of resources related to OPEB from the following sources: Deferred Deferred Outflows of Inflows of Resources Resources Differences between expected and actual liability 5,090$ 82,894$ Changes of assumptions 28,636 89,075 Contributions between measurement date and reporting date 56,740 - Total 90,466$ 171,969$ The $56,740 reported as deferred outflows of resources related to OPEB resulting from City contributions subsequent to the measurement date will be recognized as a reduction of the OPEB liability in the year ended December 31, 2024. Other amounts reported as deferred outflows of resources related to OPEB will be recognized in pension expense as shown on the following page: Total (34,731)$ (34,723) (18,257) (25,188) (12,671) (12,673) Total (138,243)$ Year Ending December 31, Thereafter 2024 2025 2026 2027 2028 Page 220 of 464 100 City of Elk River Notes to Basic Financial Statements NOTE 14 – COMMITMENTS AND CONTINGENCIES A. Commitments At December 31, 2023, The City had a construction commitment for the Rolling Hills Sewer Extension project outstanding totaling $420,162. 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%. Revenues have been less than originally projected due to the decrease in Rate of Return (ROE) issued by FERC. The original ROE 12.38% has been reduced to 10.52% on this investment through CMMPA is designed to provide approximately $80K annually over the 40-year project life. With majority of the distribution once the bonds are paid off, the projected over recovery in 2023 is estimated to be $104K. The bond obligations are satisfied first, distribution to participants is directly affected by under recovery. The over recovery is rolled forward under the true up. However, the over recovery in 2023 (approximately $104K) would be included in the revenue requirements in 2025. The transmission payments for 2023 were $48,540, all of which was a receivable at December 31, 2023. B. Contingent Liabilities Amounts received or receivable from grant agencies are subject to audit and adjustment by grantor agencies, principally the federal government. Any disallowed claims, including amounts already collected, may constitute a liability of the applicable funds. The amount, if any, of expenditures that may be disallowed by the grantor cannot be determined at this time, although the government expects such amounts, if any, to be immaterial. The City's tax increment districts are subject to review by the state of Minnesota Office of the State Auditor (OSA). Any disallowed claims or misuse of tax increments could become a liability of the applicable fund. The City's management is not aware of any instances of noncompliance which would have a material effect on the financial statements. NOTE 15 – TAX ABATEMENTS The City of Elk River has established a tax abatement program pursuant to Minnesota Statutes Sections 469.1812 through 469.1815. As part of the City's program the City enters into agreements through the use of tax increment financing districts under Minnesota Statutes Section 469.174 to 469.179 (the Tax Increment Act). Under these statutes, the City annually abates taxes collected above the district's base tax capacity which is established during adoption of the tax increment district. These agreements are established to foster economic development and redevelopment through creating jobs, removing blight, and providing affordable housing. For fiscal year ending December 31, 2023, the City has five agreements established under Minnesota Statutes Section 469.174 to 469.179 which resulted in property taxes totaling $371,412 being abated. Individual abatement payments which constituted more than 1% of the City's 2023 tax levy include: A pay-as-you-go note resulting in an abatement amount of $165,276, for a financial institution. Page 221 of 464 101 City of Elk River Notes to Basic Financial Statements NOTE 15 – TAX ABATEMENTS (CONTINUED) As part of the City's tax abatement program, the City also enters into agreements with local businesses in the form of business subsidy agreements established under Minnesota Statutes Section 116J.993 through 116J.995. These agreements must meet a public purpose which may include, but may not be limited to, increasing the tax base. In 2021, the City of Elk River had four business subsidy agreements in place which resulted in property taxes totaling $94,212 being abated. Individual agreements which result in taxes abated in excess of 1% of the City's total tax levy would be disclosed individually. There were no such payments made in 2022 or 2023 in excess of this amount. NOTE 16 – CONDUIT DEBT From time-to-time, the City has issued revenue bonds to provide financial assistance to private- sector entities for the acquisition and construction of industrial and commercial, multi-family and educational facilities deemed to be in the public interest. The bonds are secured by the property financed and are payable solely from payment received from the benefited entity. Neither the City, the state, nor any political subdivision thereof is obligated in any manner for repayment of the bonds. Accordingly, the bonds are not reported as liabilities in the accompanying financial statements. As of December 31, 2023, there was one series of revenue bonds outstanding, with a principal payable amount of $2,755,000. NOTE 17 – OTHER INFORMATION A. Territorial Acquisition Agreement 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 five years, and if any of the eight areas are not acquired within this timeframe, the payment terms may be renegotiated. In 2019, the Utilities acquired the final service areas. 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. The Utilities acquired designated service area one in 2015 for $877,807, service area two in 2016 for $663,586, service areas three and four in 2017 for $276,776, service areas five and six in 2018 for $298,736 and service areas seven and eight in 2019 for $78,457. The loss of revenue payments made were $411,157 in 2017, $570,725 in 2018, $751,860 in 2019, $834,185 in 2020, $857,538 in 2021, $924,187 in 2022, $940,467 in 2023, and $933,159 in 2024. All amounts paid are included in property and equipment, and loss of revenue payments are included in intangible assets. Page 222 of 464 102 City of Elk River Notes to Basic Financial Statements NOTE 17 – OTHER INFORMATION (CONTINUED) B. Joint Ventures The City has agreements with government and other entities which provide reduced costs, better service, and additional benefits to the participants. In 2007, the City and neighboring municipalities formed the Sherburne/Wright Cable Communications Commission (the Commission). The purpose of the organization is to monitor the operation and activities of cable communications of the member municipalities. The Commission also provides coordination, administration, and enforcement of the franchises for the cable communication system. The City has no ongoing financial interest or responsibility with regards to the Cable Commission. Financial statements for the Commission can be obtained by writing to: Sherburne/Wright Cable Communications Commission at 444 Cedar Street, Suite 950, St. Paul, Minnesota 55101. C. Segment Information The City maintains six enterprise funds that account for the municipal liquor operations, garbage collections, sewer, storm water, water, and electric utilities. The City considers each of its enterprise funds to be a segment. Since the required segment information is already included in the City's proprietary funds' balance sheet and statement of revenues, expenses, and changes in net position balance, this information has not been repeated in the notes to the basic financial statements. Page 223 of 464 103 REQUIRED SUPPLEMENTARY INFORMATION Page 224 of 464 See notes to required supplementary information. 104 December 31, December 31, December 31, December 31, 2018 2019 2020 2021 Total OPEB Liability Service cost 58,939$ 44,470$ 53,284$ 62,443$ Interest 30,051 31,024 32,766 27,703 Differences between expected and actual experience - (87,455) - (101,343) Changes of assumptions - (27,862) 48,516 13,730 Benefit payments (47,958) (42,048) (51,790) (49,504) Net change in total OPEB liability 41,032 (81,871) 82,776 (46,971) Beginning of year 875,478 916,510 834,639 917,415 End of year 916,510$ 834,639$ 917,415$ 870,444$ 8,658,239$ 9,076,855$ 9,349,161$ 10,007,339$ Total OPEB liability as a percentage of covered payroll 10.59% 9.20% 9.81% 8.70% Note 1: Schedule is intended to show ten year trend. Additional years will be reported as they become available. Note 2: No assets are accumulated in a trust. Covered payroll City of Elk River Schedule of Changes in Total OPEB Liability and Related Ratios - Municipal Retirees Health Plan Page 225 of 464 105 December 31, December 31, 2022 2023 64,316$ 49,594$ 18,192 18,488 - 5,939 - (94,638) (50,618) (55,356) 31,890 (75,973) 870,444 902,334 902,334$ 826,361$ 10,307,559$ 11,694,646$ 8.75% 7.07% Page 226 of 464 106 Primary Government City's Covered- Employee Payroll 2014 0.1587% 7,454,930$ -$ 7,454,930$ 8,332,262$ 89.47% 78.70% 2015 0.1438% 7,452,462 - 7,452,462 8,712,032 85.54% 78.19% 2016 0.1435% 11,651,488 152,173 11,803,661 8,902,000 130.89% 68.91% 2017 0.1515% 9,611,075 120,624 9,731,699 9,695,118 99.13% 75.90% 2018 0.1444% 8,060,648 261,004 8,321,652 9,702,980 83.07% 79.53% 2019 0.1443% 7,977,792 247,930 8,225,722 10,216,960 78.08% 80.23% 2020 0.1503% 9,013,814 277,843 9,291,657 10,715,865 84.12% 79.06% 2021 0.1548% 6,610,551 201,689 6,812,240 11,138,929 59.35% 87.00% 2022 0.1606% 12,716,785 372,972 13,089,757 12,032,776 105.68% 76.67% 2023 0.1599% 9,033,562 249,055 9,282,616 12,846,330 70.32% 83.10% Component Unit - Housing and Redevelopment Authority HRA's Covered- Employee Payroll 2014 0.0010% 46,966$ -$ 46,966$ 52,493$ 89.47% 78.70% 2015 0.0009% 46,951 - 46,951 54,886 85.54% 78.19% 2016 0.0009% 73,404 959 74,363 59,083 124.24% 68.91% 2017 0.0010% 60,586 1,170 61,756 61,433 98.62% 75.90% 2018 0.0009% 51,835 1,698 53,533 62,892 82.42% 79.53% 2019 0.0010% 55,520 1,725 57,245 66,193 83.88% 80.23% 2020 0.0009% 51,316 1,582 52,898 61,042 84.07% 79.06% 2021 0.0006% 25,725 785 26,510 43,351 59.34% 87.00% 2022 0.0008% 66,148 1,940 68,088 62,584 105.70% 76.67% 2023 0.0010% 53,256 1,468 54,725 75,724 70.33% 83.10% HRA's Proportionate Share of the Net Pension Liability (Asset) as a Percentage of its Covered- Employee Payroll Plan Fiduciary Net Position as a Percentage of the Total Pension Liability City of Elk River Schedule of City's Proportionate Share of Net Pension Liability - General Employees Retirement Fund Last Ten Years City's Proportionate Share of the Net Pension Liability and the State's Proportionate Share of the Net Pension Liability Associated with the City For Fiscal Year Ended June 30, City's Proportionate Share (Percentage) of the Net Pension Liability (Asset) City's Proportionate Share (Amount) of the Net Pension Liability (Asset) State's Proportionate Share (Amount) of the Net Pension Liability Associated with the City City's Proportionate Share of the Net Pension Liability (Asset) as a Percentage of its Covered- Employee Payroll Plan Fiduciary Net Position as a Percentage of the Total Pension Liability HRA's Proportionate Share of the Net Pension Liability and the State's Proportionate Share of the Net Pension Liability Associated with the HRA For Fiscal Year Ended June 30, HRA's Proportionate Share (Percentage) of the Net Pension Liability (Asset) HRA's Proportionate Share (Amount) of the Net Pension Liability (Asset) State's Proportionate Share (Amount) of the Net Pension Liability Associated with the HRA Page 227 of 464 107 For Fiscal Year Ended June 30, City's Proportion of the Net Pension Liability (Asset) City's Proportionate Share of the Net Pension Liability (Asset) State's Proportionate Share (Amount) of the Net Pension Liability Associated with the City City's Proportionate Share of the Net Pension Liability and the State's Proportionate Share of the Net Pension Liability Associated with the City City's Covered- Employee Payroll City's Proportionate Share of the Net Pension Liability (Asset) as a Percentage of its Covered- Employee Payroll Plan Fiduciary Net Position as a Percentage of the Total Pension Liability 2014 0.2990% 3,229,323$ -$ 3,229,323$ 2,440,932$ 132.30% 86.61% 2015 0.3040% 3,454,151 - 3,454,151 2,788,952 123.85% 86.61% 2016 0.3060% 12,280,312 53,870 12,334,182 2,952,673 415.90% 63.88% 2017 0.3140% 4,239,374 43,337 4,282,711 3,211,726 132.00% 85.43% 2018 0.3045% 3,245,656 - 3,245,656 3,220,233 100.79% 88.84% 2019 0.3175% 3,380,110 - 3,380,110 3,352,444 100.83% 89.26% 2020 0.2998% 3,951,685 93,106 4,044,791 3,390,212 116.56% 87.19% 2021 0.3115% 2,404,450 108,129 2,512,579 3,682,040 65.30% 93.66% 2022 0.3277% 14,260,210 622,936 14,883,146 3,981,040 358.20% 70.53% 2023 0.3180% 5,491,447 221,260 5,712,707 4,176,503 131.48% 86.47% City of Elk River of Net Pension Liability - Public Employees Police and Fire Retirement Fund Last Ten Years Schedule of City's Proportionate Share Page 228 of 464 108 Primary Government 2014 615,331$ 615,331$ -$ 8,487,324$ 7.25% 2015 668,633 668,633 - 8,915,107 7.50% 2016 690,811 690,811 - 9,210,813 7.50% 2017 706,711 706,711 - 9,422,813 7.50% 2018 736,804 736,804 - 9,824,053 7.50% 2019 753,933 753,933 - 10,052,440 7.50% 2020 810,637 810,637 - 10,808,493 7.50% 2021 886,693 886,693 - 11,822,573 7.50% 2022 923,995 923,995 - 12,319,933 7.50% 2023 972,578 972,578 - 12,967,707 7.50% Component Unit - Housing and Redevelopment Authority 2014 3,877$ 3,877$ -$ 53,476$ 7.25% 2015 4,212 4,212 - 56,160 7.50% 2016 4,352 4,352 - 58,027 7.50% 2017 4,494 4,494 - 59,920 7.50% 2018 4,810 4,810 - 64,133 7.50% 2019 5,040 5,040 - 67,200 7.50% 2020 4,629 4,629 - 61,720 7.50% 2021 3,678 3,678 - 49,040 7.50% 2022 4,665 4,665 - 62,200 7.50% 2023 5,799 5,799 - 77,320 7.50% City of Elk River Schedule of City Contributions - General Employees Retirement Fund Last Ten Years Fiscal Year Ending December 31, Statutorily Required Contribution Contributions in Relation to the Statutorily Required Contributions Contribution Deficiency (Excess) City's Covered- Employee Payroll Contributions as a Percentage of Covered- Employee Payroll Contribution Deficiency (Excess) City's Covered- Employee Payroll Contributions as a Percentage of Covered- Employee Payroll Statutorily Required Contribution Contributions in Relation to the Statutorily Required Contributions Fiscal Year Ending December 31, Page 229 of 464 109 2014 418,280$ 418,280$ -$ 2,581,975$ 16.20% 2015 478,192 478,192 - 2,951,802 16.20% 2016 495,478 495,478 - 3,058,506 16.20% 2017 508,774 508,774 - 3,140,580 16.20% 2018 533,296 533,296 - 3,291,951 16.20% 2019 631,494 631,494 - 3,725,628 16.95% 2020 610,950 610,950 - 3,451,695 17.70% 2021 690,006 690,006 - 3,898,339 17.70% 2022 724,413 724,413 - 4,092,729 17.70% 2023 779,420 779,420 - 4,403,503 17.70% Note: Schedule is intended to show ten year trend. Additional years will be reported as they become available. Schedule of City Contributions - Public Employees Police and Fire Retirement Fund City of Elk River Last Ten Years Fiscal Year Ending December 31, Statutorily Required Contribution Contributions in Relation to the Statutorily Required Contributions Contribution Deficiency (Excess) City's Covered- Employee Payroll Contributions as a Percentage of Covered- Employee Payroll Page 230 of 464 110 2015 2016 2017 2018 Service cost $ 93,312 $ 99,459 $ 107,095 $ 101,600 126,522 127,413 142,222 146,894 Differences between expected and actual experience - - (147,992) - Changes of assumptions - 297,706 - 11,196 Changes of benefit terms 62,318 - 55,532 - Benefit payments - (423,760) (147,015) - Net change in TPL 282,152 100,818 9,842 259,690 TPL - beginning 1,953,814 2,235,966 2,336,784 2,346,626 TPL - ending 2,235,966$ 2,336,784$ 2,346,626$ 2,606,316$ Plan fiduciary net position (PFNP) Contributions - State 164,825$ 177,826$ 179,192$ 182,297$ Contributions - City 30,000 30,000 30,000 30,000 Net investment income 124,109 (143,580) 229,424 457,331 Other additions - - - - Benefit payments - (423,760) (147,015) - Administrative expense (8,634) (13,663) (12,884) (12,907) Net change in PFNP 310,300 (373,177) 278,717 656,721 PFNP - beginning 2,880,579 3,190,879 2,817,702 3,096,419 PFNP - ending 3,190,879$ 2,817,702$ 3,096,419$ 3,753,140$ $ (954,913)(480,918)$ (749,793)$ (1,146,824)$ 142.71% 120.58% 131.95% 144.00% 2015 2016 2017 2018 Statutorily required contribution (a) $ 174,826 $ 179,192 $ 182,297 $ 189,502 204,826 209,192 212,297 219,502 Contribution deficiency (excess) (a-b) (30,000) (30,000) (30,000) (30,000) * This schedule is intended to show information for ten years. Additional years will be displayed as they become available. Interest on the pension liability Total pension liability (TPL) City of Elk River Schedule of Changes in Net Pension Liability and Related Ratios - Elk River Fire Relief Association Last Ten Years* Actual contributions paid (b) Net pension liability/(asset) - ending Plan fiduciary net position as a percentage of the total pension liability Schedule of City Contributions - Elk River Fire Relief Association Last Ten Years* Page 231 of 464 111 2019 2020 2021 2022 2023 $ 107,610 $ 138,202 $ 154,084 $ 141,264 $ 196,328 146,432 164,617 158,331 153,908 179,830 (14,808) - (141,716)19,130 (162,665) 39,541 25,224 16,270 - (11,236) 645,281 - - 725,544 - (334,581) (396,875) (228,840) (296,383) (856,550) 589,475 (68,832) (41,871) 743,463 (654,293) 2,606,316 3,195,791 3,126,959 3,085,088 3,828,551 3,195,791$ 3,126,959$ 3,085,088$ 3,828,551$ 3,174,258$ 189,502$ 199,451$ 206,496$ 220,909$ 255,658$ 30,000 30,000 30,000 30,000 30,000 (224,880) 540,907 326,613 377,358 (525,860) - - - - - (334,581) (396,875) (228,840) (296,383) (856,550) (11,963) (16,374) (13,085) (17,309) (15,416) (351,922) 357,109 321,184 314,575 (1,112,168) 3,753,140 3,401,218 3,758,327 4,079,511 4,394,086 3,401,218$ 3,758,327$ 4,079,511$ 4,394,086$ 3,281,918$ (205,427)$ (631,368)$ (994,423)$ (565,535)$ (107,660)$ 106.43% 120.19% 132.23% 114.77% 103.39% 2019 2020 2021 2022 2023 $ 199,424 $ 206,496 $ 220,909 $ 252,658 $ 275,775 229,424 236,496 250,909 282,658 305,775 (30,000) (30,000) (30,000) (30,000) (30,000) Page 232 of 464 112 Page 233 of 464 City of Elk River Notes to Required Supplementary Information 113 General Employees Fund 2023 Changes Changes in Actuarial Assumptions The investment return assumption and single discount rate were changed from 6.5% to 7.0%. Changes in Plan Provisions An additional one-time direct state aid contribution of $170.1 million was contributed to the Plan on October 1, 2023. The vesting period of those hired after June 30, 2010, was changed from five years of allowable service to three years of allowable service. The benefit increase delay for early retirements on or after January 1, 2024, was eliminated. A one-time, non-compounding benefit increase of 2.5% minus the actual 2024 adjustment will be payable in a lump sum for calendar year 2024 by March 31, 2024. 2022 Changes Changes in Actuarial Assumptions The mortality improvement scale was changed from scale MP-2020 to scale MP-2021. Changes in Plan Provisions There have been no changes since the prior valuation. 2021 Changes Changes in Actuarial Assumptions The investment return and single discount rates were changed from 7.5% to 6.5% for financial reporting purposes. The mortality improvement scale was changed from scale MP-2019 to scale MP-2020. Changes in Plan Provisions There have been no changes since the prior valuation. 2020 Changes Changes in Actuarial Assumptions The price inflation assumption was decreased from 2.5% to 2.25%. The payroll growth assumption was decreased from 3.25% to 3.0%. Assumed salary increase rates were changed as recommended in the June 30, 2019, experience study. The net effect is assumed rates that average 0.25% less than previous rates. Assumed rates of retirement were changed as recommended in the June 30, 2019, experience study. The changes result in more unreduced (normal) retirements and slightly fewer Rule of 90 and early retirements. Assumed rates of termination were changes as recommended in the June 30, 2019, experience study. The new rates are based on service and are generally lower than the previous rates for years 2-5 and slightly higher thereafter. Assumed rates of disability were changed as recommended in the June 30, 2019, experience study. The change results in fewer predicted disability retirements for males and females. The base mortality table for healthy annuitants and employees was changed from the RP-2014 table to the Pub-2010 General Mortality table, with adjustments. The base mortality table for disabled annuitants was changed from the RP-2014 disabled annuitant mortality table to the Pub-2010 General/Teacher disabled annuitant mortality table, with adjustments. The mortality improvement scale was changed from Scale MP-2018 to Scale MP-2019. The assumed spouse age difference was changed from two years older for females to one year older. Page 234 of 464 City of Elk River Notes to Required Supplementary Information 114 General Employees Fund (Continued) 2020 Changes (Continued) Changes in Actuarial Assumptions (Continued) The assumed number of married male new retirees electing the 100% Joint and Survivor option changed from 35% to 45%. The assumed number of married female new retires electing the 100% Joint and Survivor option changed from 15% to 30%. The corresponding number of married new retirees electing the Life annuity option was adjusted accordingly. Changes in Plan Provisions Augmentation for current privatized members was reduced to 2.0% for the period July 1, 2020 through December 31, 2023, and 0.0% thereafter. Augmentation was eliminated for privatizations occurring after June 30, 2020. 2019 Changes Changes in Actuarial Assumptions The mortality projection scale was changed from MP-2017 to MP-2018. Changes in Plan Provisions The employer supplemental contribution was changed prospectively, decreasing from $31.0 million to $21.0 million per year. The State's special funding contribution was changed prospectively, requiring $16.0 million due per year through 2031. 2018 Changes Changes in Actuarial Assumptions The mortality projection scale was changed from MP-2015 to MP-2017. The assumed benefit increase was changed from 1.0% per year through 2044 and 2.5% per year thereafter to 1.25% per year. Changes in Plan Provisions The augmentation adjustment in early retirement factors is eliminated over a five-year period starting July 1, 2019, resulting in actuarial equivalence after June 30, 2024. Interest credited on member contributions decreased from 4.00% to 3.00%, beginning July 1, 2018. Deferred augmentation was changed to 0.00%, effective January 1, 2019. Augmentation that has already accrued for deferred members will still apply. Contribution stabilizer provisions were repealed. Annual increases were changed from 1.00% per year with a provision to increase to 2.50% upon attainment of 90.00% funding ratio to 50.00% of the Social Security Cost of Living Adjustment, not less than 1.00% and not more than 1.50%, beginning January 1, 2019. For retirements on or after January 1, 2024, the first benefit increase is delayed until the retiree reaches normal retirement age; does not apply to Rule of 90 retirees, disability benefit recipients, or survivors. Actuarial equivalent factors were updated to reflect revised mortality and interest assumptions. 2017 Changes Changes in Actuarial Assumptions The CSA loads were changed from 0.8% for active members and 60% for vested and non-vested deferred members. The revised CSA loads are now 0.0% for active member liability, 15% for vested deferred member liability and 3% for non-vested deferred member liability. Page 235 of 464 City of Elk River Notes to Required Supplementary Information 115 General Employees Fund (Continued) 2017 Changes (Continued) Changes in Actuarial Assumptions (Continued) The assumed post-retirement benefit increase rate was changed from 1.0% per year for all years to 1.0% per year through 2044 and 2.5% per year thereafter. Changes in Plan Provisions The State's contribution for the Minneapolis Employees Retirement Fund equals $16,000,000 in 2017 and 2018, and $6,000,000 thereafter. The Employer Supplemental Contribution for the Minneapolis Employees Retirement Fund changed from $21,000,000 to $31,000,000 in calendar years 2019 to 2031. The State's contribution changed from $16,000,000 to $6,000,000 in calendar years 2019 to 2031. 2016 Changes Changes in Actuarial Assumptions The assumed post-retirement benefit increase rate was changed from 1.0% per year through 2035 and 2.5% per year thereafter to 1.0% per year for all future years. The assumed investment return was changed from 7.9% to 7.5%. The single discount rate was changed from 7.9% to 7.5%. Other assumptions were changed pursuant to the experience study dated June 30, 2015. The assumed future salary increases, payroll growth, the inflation was decreased by 0.25% to 3.25% for payroll growth and 2.50% for inflation. Changes in Plan Provisions There have been no changes since the prior valuation. 2015 Changes Changes in Actuarial Assumptions The assumed post-retirement benefit increase rate was changed from 1.0% per year through 2030 and 2.5% per year thereafter to 1.0% per year through 2035 and 2.5% per year thereafter. Changes in Plan Provisions 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; the State's contribution of $6.0 million, which meets the special funding situation definition, was due September 2015. Page 236 of 464 City of Elk River Notes to Required Supplementary Information 116 Police and Fire Fund 2023 Changes Changes in Actuarial Assumptions The investment return assumption was changed from 6.5% to 7.0%. The single discount rate changed from 5.4% to 7.0%. Changes in Plan Provisions Additional one-time direct state aid contribution of 19.4 million will be contributed to the Plan on October 1, 2023. Vesting requirement for new hires after June 30, 2014, was changed from a graded 20-year vesting schedule to a graded 10-year vesting schedule, with 50% vesting after five years, increasing incrementally to 100% after 10 years. A one-time, non-compounding benefit increase of 3.0% will be payable in a lump sum for calendar year 2024 by March 31, 2024. Psychological treatment is required effective July 1, 2023, prior to approval for a duty disability benefit for a psychological condition relating to the member's occupation. The total and permanent duty disability benefit was increased, effective July 1, 2023. 2022 Changes Changes in Actuarial Assumptions The mortality improvement scale was changed from scale MP-2020 to scale MP-2021. The single discount rate was changed from 6.5% to 5.4%. Changes in Plan Provisions There have been no changes since the prior valuation. 2021 Changes Changes in Actuarial Assumptions The investment return and single discount rates were changed from 7.5% to 6.5% for financial reporting purposes. The inflation assumption was changed from 2.5% to 2.25%. The payroll growth assumption was changed from 3.25% to 3.0%. The base mortality table for healthy annuitants and employees was changed from the RP-2014 table to the Pub-2010 Public Safety mortality table. The mortality improvement scale was changed from MP-2019 to MP-2020. The base mortality table for disabled annuitants was changed from the RP-2014 healthy annuitant mortality table (with future mortality improvement according to scale MP-2019) to the Pub-2010 Public Safety disabled annuitant mortality table (with future mortality improvement according to scale MP-2020). Assumed rates of salary increase were modified as recommended in the July 14, 2020, experience study. The overall impact is a decrease in gross salary increase rates. Assumed rates of retirement were changed as recommended in the July 14, 2020, experience study. The changes resulted in slightly more unreduced retirements and fewer assumed early retirements. Assumed rates of withdrawal were changed from select and ultimate rates to service-based rates. The changes resulted in more assumed terminations. Assumed rates of disability were increased for ages 25-44 and decreased for ages over 49. Overall, proposed rates resulted in more projected disabilities. Assumed percent married for active female members was changed from 60% to 70%. Minor changes to form of payment assumptions were applied. Page 237 of 464 City of Elk River Notes to Required Supplementary Information 117 Police and Fire Fund (Continued) 2021 Changes (Continued) Changes in Plan Provisions There have been no changes since the prior valuation. 2020 Changes Changes in Actuarial Assumptions The mortality projection scale was changed from MP-2018 to MP-2019. Changes in Plan Provisions There have been no changes since the prior valuation. 2019 Changes Changes in Actuarial Assumptions The mortality projection scale was changed from MP-2017 to MP-2018. Changes in Plan Provisions There have been no changes since the prior valuation. 2018 Changes Changes in Actuarial Assumptions The mortality projection scale was changed from MP-2016 to MP-2017. Changes in Plan Provisions Annual increases were changed to 1.00% for all years, with no trigger. An end date of July 1, 2048, was added to the existing $9.0 million state contribution. New annual state aid will equal $4.5 million in fiscal years 2019 and 2020, and $9.0 million thereafter until the plan reaches 100% funding, or July 1, 2048, if earlier. Member contributions were changed from 10.80% to 11.30% of pay, effective January 1, 2019, and 11.80% of pay, effective January 1, 2020. Employer contributions were changed from 16.20% to 16.95% of pay, effective January 1, 2019, and 17.70% of pay, effective January 1, 2020. Interest credited on member contributions decreased from 4.00% to 3.00%, beginning July 1, 2018. Deferred augmentation was changed to 0.00%, effective January 1, 2019. Augmentation that has already accrued for deferred members will still apply. Actuarial equivalent factors were updated to reflect revised mortality and interest assumptions. 2017 Changes Changes in Actuarial Assumptions Assumed salary increases were changed as recommended in the June 30, 2016, experience study. The net effect is proposed rates that average 0.34% lower than the previous rates. Assumed rates of retirement were changed, resulting in fewer retirements. The CSA load was 30% for vested and non-vested deferred members. The CSA has been changed to 33% for vested members and 2% for non-vested members. The base mortality table for healthy annuitants was changed from the RP-2000 fully generational table to the RP-2014 fully generational table (with a base year of 2006), with male rates adjusted by a factor of 0.96. The mortality improvement scale was changed from Scale AA to Scale MP-2016. The base mortality table for disabled annuitants was changed from the RP-2000 disabled mortality table to the mortality tables assumed for healthy retirees. Page 238 of 464 City of Elk River Notes to Required Supplementary Information 118 Police and Fire Fund (Continued) 2017 Changes (Continued) Changes in Actuarial Assumptions (Continued) Assumed termination rates were decreased to 3% for the first three years of service. Rates beyond the select period of three years were adjusted, resulting in more expected terminations overall. Assumed percentage of married female members was decreased from 65% to 60%. Assumed age difference was changed from separate assumptions for male members (wives assumed to be three years younger) and female members (husbands assumed to be four years older) to the assumption that males are two years older than females. The assumed percentage of female members electing Joint and Survivor annuities was increased. The assumed annual benefit increase rate was changed from 1% for all years to 1% per year through 2064 and 2.5% thereafter. The single discount rate was changed from 5.6% per annum to 7.5% per annum. Changes in Plan Provisions There have been no changes since the prior valuation. 2016 Changes Changes in Actuarial Assumptions The assumed post-retirement benefit increase rate was changed from 1.0% per year through 2037 and 2.5% thereafter to 1.0% per year for all future years. The assumed investment return was changed from 7.9% to 7.5%. The single discount rate changed from 7.9% to 5.6%. The single discount rate changed from 7.90% to 5.60%. The assumed future salary increases, payroll growth, and inflation was decreased by 0.25% to 3.25% for payroll growth and 2.50% for inflation. Changes in Plan Provisions There have been no changes since the prior valuation. 2015 Changes Changes in Actuarial Assumptions The assumed post-retirement benefit increase rate was changed from 1.0% per year through 2030 and 2.5% per year thereafter to 1.0% per year through 2037 and 2.5% per year thereafter. Changes in Plan Provisions The post-retirement benefit increase to be paid after attainment of the 90% funding threshold was changed, from inflation up to 2.5%, to a fixed rate of 2.5%. Page 239 of 464 City of Elk River Notes to Required Supplementary Information 119 Post Employment Benefits Plan No assets are accumulated in a trust to pay related benefits. 2023 Changes Changes in Actuarial Assumptions The discount rate was changed from 2.00% to 4.00% based on updated 20-year municipal bond rates. The inflation rate changed from 2.00% to 2.50%. The health care trend rates were changed to better anticipate short term and long term medical increases. The mortality tables were updated from the Pub-2010 Public Retirement Plans Headcount- Weighted Mortality Tables (General, Safety) with MP-2020 Generational Improvement Scale to the Pub-2010 Public Retirement Plans Headcount-Weighted Mortality Tables (General, Safety) with MP-2021 Generational Improvement Scale. The retirement, withdrawal, and salary increase rates for public safety employees were updated to reflect the latest experience study. 2022 Changes Changes in Actuarial Assumptions None noted 2021 Changes Changes in Actuarial Assumptions The discount rate was changed from 2.90% to 2.00% based on updated 20-year municipal bond rates. The inflation rate changed from 2.50% to 2.00%. The health care trend rates were changed to better anticipate short term and long term medical increases. The mortality tables were updated from the RP-2014 Mortality Tables (Blue Collar for Public Safety, White Collar for Others) with MP-2018 Generational Improvement Scale to the Pub- 2010 Public Retirement Plans Headcount-Weighted Mortality Tables (General, Safety) with MP-2020 Generational Improvement Scale. The retirement and withdrawal rates for non-public safety employees were updated. The salary increase rates were changed from a flat 3.00% per year for all employees to rates which vary by service and contract group. 2020 Changes Changes in Actuarial Assumptions The discount rate was changed from 3.80% to 2.90% based on updated 20-year municipal bond rates. 2019 Changes Changes in Actuarial Assumptions The discount rate was changed from 3.30% to 3.80% based on updated 20-year municipal bond rates. The health care trend rates were changed to better anticipate short-term and long-term medical increases. Page 240 of 464 City of Elk River Notes to Required Supplementary Information 120 Post Employment Benefits Plan (Continued) 2019 Changes (Continued) Changes in Actuarial Assumptions (Continued) The mortality tables were updated from the RP-2014 White Collar Mortality Tables with MP- 2016 Generational Improvement Scale (with Blue Collar adjustment for Police and Fire Personnel) to the RP-2014 White Collar Mortality Tables with MP-2018 Generational Improvement Scale (with Blue Collar adjustment for Police and Fire Personnel). 2018 Changes Changes in Actuarial Assumptions The discount rate was changed from 3.50% to 3.30% based on updated 20-year municipal bond rates. Page 241 of 464 121 COMBINING AND INDIVIDUAL FUND FINANCIAL STATEMENTS AND SCHEDULES Page 242 of 464 122 Page 243 of 464 123 City of Elk River Nonmajor Governmental Funds Special Revenue Funds Special revenue funds are established to account for specific revenue or other sources that are designated for financing particular functions or activities as required by deferral regulations, Minnesota Statute, local ordinances, or specific grant agreements. Most of the special revenue funds are related to specific federal and state housing programs or grants for specific activities. Capital Projects Funds Capital project funds are established to account for the resources used for the acquisition of capital facilities and infrastructure for the City with the exception of those financed by the enterprise funds. Debt Service Funds The Debt Service funds are established to account for the collection of ad valorem taxes, special assessments, and tax increment revenue transfers as well as the payment of principal and interest of general long-term debt. Page 244 of 464 124 Special Revenue Capital Projects Debt Service Total Nonmajor Governmental Funds Assets Cash and investments 6,816,923$ 16,503,210$ 8,619,073$ 31,939,206$ Taxes receivable 15,801 53 689,426 705,280 Accounts receivable 192,463 357,976 - 550,439 Interest receivable 20,493 74,571 41,608 136,672 Notes and loans receivable 942,608 287,398 - 1,230,006 Leases receivable 13,235 137,659 - 150,894 Special assessment receivable Delinquent - 17,382 380 17,762 Deferred - 1,116,787 - 1,116,787 Due from other funds 890,180 98,038 - 988,218 Due from other governments - 26,380 - 26,380 Advances to other funds - 200,000 - 200,000 Land held for resale 175,000 - - 175,000 Prepaid items 131,468 270 - 131,738 Total assets 9,198,171$ 18,819,724$ 9,350,487$ 37,368,382$ Liabilities Accounts payable 106,753$ 1,612,487$ 1,524$ 1,720,764$ Salaries and benefits payable 41,751 1,701 - 43,452 Contracts and deposits payable 38,253 64,588 - 102,841 Due to other funds 262,078 1,237,139 381 1,499,598 Due to other governments 14,917 - - 14,917 Due to component unit - 161,823 - 161,823 Advances from other funds 200,000 - - 200,000 Unearned revenue 1,371,172 767,689 - 2,138,861 Total liabilities 2,034,924 3,845,427 1,905 5,882,256 Deferred Inflows of Resources Unavailable revenue - property taxes 4,608 53 10,425 15,086 Unavailable revenue - special assessments - 1,131,266 380 1,131,646 Deferred inflow related to leases receivable 13,235 137,659 - 150,894 Total deferred inflows of resources 17,843 1,268,978 10,805 1,297,626 Fund Balances Nonspendable 131,468 270 - 131,738 Restricted 2,758,304 3,822,504 9,337,777 15,918,585 Committed 3,918,728 99,206 - 4,017,934 Assigned 728,192 11,035,967 - 11,764,159 Unassigned (391,288) (1,252,628) - (1,643,916) Total fund balances 7,145,404 13,705,319 9,337,777 30,188,500 Total liabilities, deferred inflows of resources, and fund balances 9,198,171$ 18,819,724$ 9,350,487$ 37,368,382$ City of Elk River Nonmajor Governmental Funds Combining Balance Sheet December 31, 2023 Page 245 of 464 125 Special Revenue Capital Projects Debt Service Total Nonmajor Governmental Funds Revenues Property taxes 597,131$ 395,079$ 1,501,612$ 2,493,822$ Sales taxes - - 3,810,301 3,810,301 Special assessments - 178,747 45,679 224,426 Intergovernmental 834,087 1,691,449 - 2,525,536 Charges for services 1,509,496 311,299 - 1,820,795 Other revenue Investment income 275,801 902,797 196,999 1,375,597 Contributions and donations - 31,589 244,096 275,685 Refunds and reimbursements 97,488 102,600 - 200,088 Landfill expansion fee - 2,193,833 - 2,193,833 Miscellaneous revenue 19,787 108,265 - 128,052 Total revenues 3,333,790 5,915,658 5,798,687 15,048,135 Expenditures Current General government 150,841 96,095 - 246,936 Public safety 36,769 56,504 - 93,273 Public works 33,006 38,114 - 71,120 Culture and recreation 1,924,013 354,701 - 2,278,714 Economic development 365,316 215,106 - 580,422 Capital outlay General government 283,595 1,166,958 - 1,450,553 Public safety - 1,212,445 - 1,212,445 Public works - 1,769,775 - 1,769,775 Culture and recreation 209,055 765,384 - 974,439 Economic development 85,709 - - 85,709 Debt service Principal 7,213 - 2,965,000 2,972,213 Interest and other charges 838 95,948 1,694,369 1,791,155 Total expenditures 3,096,355 5,771,030 4,659,369 13,526,754 Excess of revenues over expenditures 237,435 144,628 1,139,318 1,521,381 Other Financing Sources (Uses) Proceeds from sale of capital asset 699,130 106,080 - 805,210 Transfers in 28,000 1,042,878 758,289 1,829,167 Transfers out (489,000) (836,789) - (1,325,789) Total other financing sources (uses) 238,130 312,169 758,289 1,308,588 Net change in fund balances 475,565 456,797 1,897,607 2,829,969 Fund Balances Beginning of year 6,669,839 13,248,522 7,440,170 27,358,531 End of year 7,145,404$ 13,705,319$ 9,337,777$ 30,188,500$ City of Elk River Nonmajor Governmental Funds Combining Statement of Revenues, Expenditures, and Changes in Fund Balances Year Ended December 31, 2023 Page 246 of 464 126 Library Multipurpose Facility Landfill Revolving Loan Assets Cash and investments 235,776$ -$ 931,252$ 913,749$ Taxes receivable 2,030 - - - Accounts receivable - 190,406 490 - Interest receivable 1,242 - 5,384 5,283 Notes and loans receivable - - - 212,868 Leases receivable - 13,235 - - Due from other funds - - - - Land held for resale - - - - Prepaid items - - - - Total assets 239,048$ 203,641$ 937,126$ 1,131,900$ Liabilities Accounts payable 12,226$ 85,886$ 1,177$ 1,125$ Salaries and benefits payable - 36,538 - - Contracts and deposits payable - - - - Due to other funds 60,720 - - Due to other governments - 14,917 - - Advances from other funds - 200,000 - - Unearned revenue - - - - Total liabilities 12,226 398,061 1,177 1,125 Deferred Inflows of Resources Unavailable revenue - property taxes 636 - - - Deferred inflow related to leases receivable - 13,235 - - Total deferred inflows of resources 636 13,235 - - Fund Balances Nonspendable - - - - Restricted - - 935,949 - Committed 226,186 - - 1,130,775 Assigned - - - - Unassigned - (207,655) - - Total fund balances 226,186 (207,655) 935,949 1,130,775 Total liabilities, deferred inflows of resources, and fund balances 239,048$ 203,641$ 937,126$ 1,131,900$ City of Elk River Nonmajor Special Revenue Funds Combining Balance Sheet December 31, 2023 Page 247 of 464 127 State DEED Development Fund Insurance Reserve Drug Forfeiture CRF Grant EDA Total Nonmajor Special Revenue Funds 400,993$ 1,104,919$ -$ 6,500$ 1,517,330$ 1,706,404$ 6,816,923$ - 3,418 - - - 10,353 15,801 - - - - 1,567 - 192,463 2,319 6,231 - 34 - - 20,493 125,535 604,205 - - - - 942,608 - - - - - - 13,235 - 884,132 6,048 - - - 890,180 - - - - - 175,000 175,000 - - 131,468 - - - 131,468 528,847$ 2,602,905$ 137,516$ 6,534$ 1,518,897$ 1,891,757$ 9,198,171$ -$ 1,909$ 2,136$ 75$ -$ 2,219$ 106,753$ - - - - - 5,213 41,751 - 38,253 - - - - 38,253 - - 187,545 - - 13,813 262,078 - - - - - - 14,917 - - - - - - 200,000 - - - - 1,371,172 - 1,371,172 - 40,162 189,681 75 1,371,172 21,245 2,034,924 - 976 - - - 2,996 4,608 - - - - - - 13,235 - 976 - - - 2,996 17,843 - - 131,468 - - 131,468 528,847 - - 6,459 147,725 1,139,324 2,758,304 - 2,561,767 - - - - 3,918,728 - - - - - 728,192 728,192 - - (183,633) - - - (391,288) 528,847 2,561,767 (52,165) 6,459 147,725 1,867,516 7,145,404 528,847$ 2,602,905$ 137,516$ 6,534$ 1,518,897$ 1,891,757$ 9,198,171$ Page 248 of 464 128 Library Multipurpose Facility Landfill Revolving Loan Revenues Property taxes 74,297$ -$ -$ -$ Intergovernmental - - 10,631 - Charges for services - 1,480,863 14,633 - Other revenue Investment income 5,565 1,945 61,822 57,927 Refunds and reimbursements - 51,756 - - Miscellaneous revenue - 12,052 - 3,628 Total revenues 79,862 1,546,616 87,086 61,555 Expenditures Current General government - - - - Public safety - - - - Public works - - 33,006 - Culture and recreation 113,668 1,810,345 - - Economic development - - - 1,466 Capital outlay General government - - - - Culture and recreation 9,211 199,844 - - Economic development - - - - Debt service Principal - 7,213 - - Interest and other charges - 838 - - Total expenditures 122,879 2,018,240 33,006 1,466 Excess of revenues over (under) expenditures (43,017) (471,624) 54,080 60,089 Other Financing Sources (Uses) Proceeds from sale of capital asset - 30,000 - - Transfers in 28,000 - - - Transfers out - - - - Total other financing sources (uses) 28,000 30,000 - - Net change in fund balances (15,017) (441,624) 54,080 60,089 Fund Balances Beginning of year 241,203 233,969 881,869 1,070,686 End of year 226,186$ (207,655)$ 935,949$ 1,130,775$ City of Elk River Nonmajor Special Revenue Funds Combining Statement of Revenues, Expenditures, and Changes in Fund Balances Year Ended December 31, 2023 Page 249 of 464 129 State DEED Development Fund Insurance Reserve Drug Forfeiture CRF Grant EDA Total Nonmajor Special Revenue Funds -$ 130,387$ -$ -$ -$ 392,447$ 597,131$ - 94,063 - - 729,161 232 834,087 - 10,000 - - - 4,000 1,509,496 21,441 (33,188) 337 275 108,490 51,187 275,801 - - 45,732 - - - 97,488 4,107 - - - - - 19,787 25,548 201,262 46,069 275 837,651 447,866 3,333,790 - - 150,841 - - - 150,841 - - - 36,769 - - 36,769 - - - - - - 33,006 - - - - - - 1,924,013 - 120,373 - - - 243,477 365,316 - - - - 283,595 - 283,595 - - - - - - 209,055 - 85,709 - - - - 85,709 - - - - - - 7,213 - - - - - - 838 - 206,082 150,841 36,769 283,595 243,477 3,096,355 25,548 (4,820) (104,772) (36,494) 554,056 204,389 237,435 - 669,130 - - - - 699,130 - - - - - - 28,000 - - - - (444,000) (45,000) (489,000) - 669,130 - - (444,000) (45,000) 238,130 25,548 664,310 (104,772) (36,494) 110,056 159,389 475,565 503,299 1,897,457 52,607 42,953 37,669 1,708,127 6,669,839 528,847$ 2,561,767$ (52,165)$ 6,459$ 147,725$ 1,867,516$ 7,145,404$ Page 250 of 464 130 Budget and Actual Library Special Revenue Fund Year Ended December 31, 2023 Original Final Actual Amounts Revenues Property taxes 75,000$ 75,000$ 74,297$ (703)$ Other revenue Investment income 5,000 5,000 5,565 565 Total revenues 80,000 80,000 79,862 (138) Expenditures Current Culture and recreation 108,000 108,000 113,668 5,668 Capital outlay Culture and recreation 10,000 10,000 9,211 (789) Total expenditures 118,000 118,000 122,879 4,879 Excess of revenues under expenditures (38,000) (38,000) (43,017) (5,017) Other Financing Sources (Uses) Transfers in 28,000 28,000 28,000 - Net change in fund balances (10,000)$ (10,000)$ (15,017) (5,017)$ Fund Balances Beginning of year 241,203 End of year 226,186$ Budgeted Amounts Variance with Final Budget - Over (Under) Page 251 of 464 131 City of Elk River Schedule of Revenues, Expenditures, and Changes in Fund Balances - Budget and Actual Multipurpose Facility Special Revenue Fund Year Ended December 31, 2023 Original Final Actual Amounts Revenues Charges for services 1,551,100$ 1,551,100$ 1,480,863$ (70,237)$ Other revenue Investment income 4,000 4,000 1,945 (2,055) Refunds and reimbursements - - 51,756 51,756 Miscellaneous revenue 24,900 24,900 12,052 (12,848) Total revenues 1,580,000 1,580,000 1,546,616 (33,384) Expenditures Current Culture and recreation 1,478,350 1,478,350 1,810,345 331,995 Capital outlay Culture and recreation 202,000 202,000 199,844 (2,156) Debt service Principal - - 7,213 7,213 Interest and other charges - - 838 838 Total expenditures 1,680,350 1,680,350 2,018,240 337,890 Excess of revenues under expenditures (100,350) (100,350) (471,624) (371,274) Other Financing Sources (Uses) Proceeds from sale of capital asset - - 30,000 30,000 Net change in fund balances (100,350)$ (100,350)$ (441,624) (341,274)$ Fund Balances Beginning of year 233,969 End of year (207,655)$ Budgeted Amounts Variance with Final Budget - Over (Under) Page 252 of 464 132 Page 253 of 464 133 City of Elk River Schedule of Revenues, Expenditures, and Changes in Fund Balances - Budget and Actual Economic Development Authority Special Revenue Fund Year Ended December 31, 2023 Original Final Actual Amounts Revenues Property taxes 396,000$ 396,000$ 392,447$ (3,553)$ Intergovernmental - - 232 232 Charges for services 4,000 4,000 4,000 - Other revenue Investment income 5,000 5,000 51,187 46,187 Total revenues 405,000 405,000 447,866 42,866 Expenditures Current Economic development 360,000 360,000 243,477 (116,523) Excess of revenues over expenditures 45,000 45,000 204,389 159,389 Other Financing Sources (Uses) Transfers out (45,000) (45,000) (45,000) - Net change in fund balances -$ -$ 159,389 159,389$ Fund Balances Beginning of year 1,708,127 End of year 1,867,516$ Budgeted Amounts Variance with Final Budget - Over (Under) Page 254 of 464 134 Park Dedication Capital Outlay Reserve Government Buildings GRE Reserve Assets Cash and investments 1,375,439$ 2,334,028$ 3,928,242$ 757,901$ Taxes receivable - - 9 - Accounts receivable - - 320,637 - Interest receivable 7,952 15,807 22,712 4,382 Notes and loans receivable 287,398 - - - Leases receivable - - 137,659 - Special assessment receivable Delinquent - 8 - - Deferred - 4,796 - - Due from other funds - - - - Due from other governments - 26,380 - - Advances to other funds - 200,000 - - Prepaid items - - - - Total assets 1,670,789$ 2,581,019$ 4,409,259$ 762,283$ Liabilities Accounts payable 36,283$ 6,826$ -$ -$ Salaries and benefits payable - 1,701 - - Contracts and deposits payable - - - - Due to other funds - - - - Due to component unit - - - - Unearned revenue 767,689 - - - Total liabilities 803,972 8,527 - - Deferred Inflows of Resources Unavailable revenue - property taxes - - 9 - Unavailable revenue - special assessments - 4,796 - - Deferred inflow related to leases receivable - - 137,659 - Total deferred inflows of resources - 4,796 137,668 - Fund Balances Nonspendable - - - - Restricted 866,817 1,145,601 - - Committed - - - - Assigned - 1,422,095 4,271,591 762,283 Unassigned - - - - Total fund balances 866,817 2,567,696 4,271,591 762,283 Total liabilities, deferred inflows of resources, and fund balances 1,670,789$ 2,581,019$ 4,409,259$ 762,283$ City of Elk River Nonmajor Capital Projects Funds Combining Balance Sheet December 31, 2023 Page 255 of 464 135 Street Improvements Improvement Projects Equipment Replacement Active ER Projects Public Safety Building / Fire Station #3 Park Improvements Developer Deposits 493,870$ 1,754,284$ 1,811,278$ 1,492,469$ 902,987$ 328,671$ 1,255,652$ - - - 44 - - - - - - - - 1,188 - 2,855 8,461 10,472 - - 1,731 - - - - - - - - - - - - - - - 3,855 13,519 - - - - - 9,953 1,102,038 - - - - - - - 98,038 - - - - - - - - - - - - - - - - - - - - - - - - 270 510,533$ 2,878,302$ 1,919,788$ 1,492,513$ 902,987$ 331,590$ 1,255,922$ -$ 166,262$ 96,098$ -$ -$ 23,453$ 1,255,922$ - - - - - - - - 64,588 - - - - - - 88,373 - - - - - - - - - - - - - - - - - - - - 319,223 96,098 - - 23,453 1,255,922 - - - 44 - - - 13,536 1,112,934 - - - - - - - - - - - - 13,536 1,112,934 - 44 - - - - - - - - - 270 - - - 907,099 902,987 - - - - - 99,206 - - - 496,997 1,446,145 1,823,690 486,164 - 308,137 - - - - - - - (270) 496,997 1,446,145 1,823,690 1,492,469 902,987 308,137 - 510,533$ 2,878,302$ 1,919,788$ 1,492,513$ 902,987$ 331,590$ 1,255,922$ Page 256 of 464 136 Page 257 of 464 137 TIF Districts Technology Replacement Total Nonmajor Capital Projects Funds Assets Cash and investments 33,965$ 34,424$ 16,503,210$ Taxes receivable - - 53 Accounts receivable 36,151 - 357,976 Interest receivable - 199 74,571 Notes and loans receivable - -287,398 Leases receivable - -137,659 Special assessment receivable Delinquent - - 17,382 Deferred - - 1,116,787 Due from other funds - - 98,038 Due from other governments - - 26,380 Advances to other funds - - 200,000 Prepaid items - - 270 Total assets 70,116$ 34,623$ 18,819,724$ Liabilities Accounts payable 11,885$ 15,758$ 1,612,487$ Salaries and benefits payable - - 1,701 Contracts and deposits payable - - 64,588 Due to other funds 1,148,766 - 1,237,139 Due to component unit 161,823 - 161,823 Unearned revenue - - 767,689 Total liabilities 1,322,474 15,758 3,845,427 Deferred Inflows of Resources Unavailable revenue - property taxes - - 53 Unavailable revenue - special assessments - - 1,131,266 Deferred inflow related to leases receivable - - 137,659 Total deferred inflows of resources - - 1,268,978 Fund Balances Nonspendable - - 270 Restricted - - 3,822,504 Committed - - 99,206 Assigned - 18,865 11,035,967 Unassigned (1,252,358) - (1,252,628) Total fund balances (1,252,358) 18,865 13,705,319 Total liabilities, deferred inflows of resources, and fund balances 70,116$ 34,623$ 18,819,724$ City of Elk River Nonmajor Capital Projects Funds Combining Balance Sheet December 31, 2023 Page 258 of 464 138 Park Dedication Capital Outlay Reserve Government Buildings GRE Reserve Revenues Property taxes -$ -$ -$ -$ Special assessments - 1,788 - - Intergovernmental - 1,175,883 - - Charges for services 259,486 - - - Other revenue Investment income 116,124 15,410 257,764 49,251 Contributions and donations - 24,571 - - Refunds and reimbursements - - - - Landfill expansion fee - - 2,193,833 - Miscellaneous revenue - - 45,473 - Total revenues 375,610 1,217,652 2,497,070 49,251 Expenditures Current General government - 12,492 12,575 - Public safety - 32,383 8,716 - Public works - 38,114 - - Culture and recreation 147,905 - 29,692 - Economic development - - - - Capital outlay General government - 96,562 862,581 - Public safety - - 588,525 - Public works - - - - Culture and recreation 270,349 - - - Debt service Interest and other charges 51,257 - - - Total expenditures 469,511 179,551 1,502,089 - Excess of revenues over (under) expenditures (93,901) 1,038,101 994,981 49,251 Other Financing Sources (Uses) Proceeds from sale of capital asset - - - - Transfers in - - - - Transfers out - (78,500) (758,289) - Total other financing sources (uses) - (78,500) (758,289) - Net change in fund balances (93,901) 959,601 236,692 49,251 Fund balances Beginning of year 960,718 1,608,095 4,034,899 713,032 End of year 866,817$ 2,567,696$ 4,271,591$ 762,283$ City of Elk River Nonmajor Capital Projects Funds Combining Statement of Revenues, Expenditures, and Changes in Fund Balances Year Ended December 31, 2023 Page 259 of 464 139 Street Improvements Improvement Projects Equipment Replacement Active ER Projects Public Safety Building / Fire Station #3 Park Improvements -$ -$ -$ -$ -$ -$ 15,658 161,301 - - - - 23,980 - 466,586 25,000 - - - - - - - 51,813 34,715 254,675 87,732 31,050 51,755 7,028 - - - - - 7,018 - - - 10,000 - - - - - - - - - - - - - - 74,353 415,976 554,318 66,050 51,755 65,859 - - - - - - - - - - 15,405 - - - - - - - - - - - - 177,104 - - - - - - - - 207,815 - - - - - 292,591 - 331,329 - 55,567 1,322,192 392,016 - - - - - 389,965 86,910 - 18,160 - - - - - - 55,567 1,322,192 1,282,387 86,910 346,734 195,264 18,786 (906,216) (728,069) (20,860) (294,979) (129,405) - - 106,080 - - - - - 792,878 - - 250,000 - - - - - - - - 898,958 - - 250,000 18,786 (906,216) 170,889 (20,860) (294,979) 120,595 478,211 2,352,361 1,652,801 1,513,329 1,197,966 187,542 496,997$ 1,446,145$ 1,823,690$ 1,492,469$ 902,987$ 308,137$ Page 260 of 464 140 Page 261 of 464 141 TIF Districts Technology Replacement Total Nonmajor Capital Projects Funds Revenues Property taxes 395,079$ -$ 395,079$ Special assessments - - 178,747 Intergovernmental - - 1,691,449 Charges for services - - 311,299 Other revenue Investment income - (2,707) 902,797 Contributions and donations - - 31,589 Refunds and reimbursements - 92,600 102,600 Landfill expansion fee - - 2,193,833 Miscellaneous revenue 62,792 - 108,265 Total revenues 457,871 89,893 5,915,658 Expenditures Current General government - 71,028 96,095 Public safety - - 56,504 Public works - - 38,114 Culture and recreation - - 354,701 Economic development 215,106 - 215,106 Capital outlay General government - - 1,166,958 Public safety - - 1,212,445 Public works - - 1,769,775 Culture and recreation - - 765,384 Debt service Interest and other charges 44,691 - 95,948 Total expenditures 259,797 71,028 5,771,030 Excess of revenues over expenditures 198,074 18,865 144,628 Other Financing Sources (Uses) Proceeds from sale of capital asset - - 106,080 Transfers in - - 1,042,878 Transfers out - - (836,789) Total other financing sources (uses) - - 312,169 Net change in fund balances 198,074 18,865 456,797 Fund balances Beginning of year (1,450,432) - 13,248,522 End of year (1,252,358)$ 18,865$ 13,705,319$ Year Ended December 31, 2023 City of Elk River Nonmajor Capital Projects Funds Combining Statement of Revenues, Expenditures, and Changes in Fund Balances Page 262 of 464 142 Government Building Bonds Sales Tax Bonds YMCA Bonds 2020A Capital Improvement Bonds Assets Cash and investments 157,372$ 6,936,543$ 718,035$ 487,451$ Taxes receivable 1,732 652,032 12,293 14,236 Interest receivable 829 36,528 - 2,567 Special assessment receivable Delinquent - 380 - - Total assets 159,933$ 7,625,483$ 730,328$ 504,254$ Liabilities Accounts payable 381$ 381$ -$ 381$ Due to other funds - - 381 - Total liabilities 381 381 381 381 Deferred Inflows of Resources Unavailable revenue - property taxes 1,615 - 3,764 3,073 Unavailable revenue - special assessments - 380 - - Total deferred inflows of resources 1,615 380 3,764 3,073 Fund Balances Restricted 157,937 7,624,722 726,183 500,800 Total deferred inflows of resources and fund balances 159,933$ 7,625,483$ 730,328$ 504,254$ City of Elk River Nonmajor Debt Service Funds Combining Balance Sheet December 31, 2023 Page 263 of 464 143 2021A Capital Improvement Bonds Total Nonmajor Debt Service Funds 319,672$ 8,619,073$ 9,133 689,426 1,684 41,608 - 380 330,489$ 9,350,487$ 381$ 1,524 - 381 381 1,905 1,973 10,425 - 380 1,973 10,805 328,135 9,337,777 330,489$ 9,350,487$ Page 264 of 464 144 Government Building Bonds Sales Tax Bonds YMCA Bonds 2020A Capital Improvement Bonds Revenues Property taxes -$ -$ 513,233$ 602,161$ Sales taxes - 3,810,301 - - Special assessments - 45,679 - - Other revenue Investment income 992 164,511 20,148 6,850 Contributions and donations - - 244,096 - Total revenues 992 4,020,491 777,477 609,011 Expenditures Debt service Principal 940,000 890,000 565,000 335,000 Interest and other charges 129,241 1,030,269 170,769 231,729 Total expenditures 1,069,241 1,920,269 735,769 566,729 Excess of revenues over (under) expenditures (1,068,249) 2,100,222 41,708 42,282 Other Financing Sources (Uses) Transfers in - - - 454,611 Net change in fund balances (1,068,249) 2,100,222 41,708 496,893 Fund Balances Beginning of year 1,226,186 5,524,500 684,475 3,907 End of year 157,937$ 7,624,722$ 726,183$ 500,800$ City of Elk River Nonmajor Debt Service Funds Combining Statement of Revenues, Expenditures, and Changes in Fund Balances Year Ended December 31, 2023 Page 265 of 464 145 2021A Capital Improvement Bonds Total Nonmajor Debt Service Funds 386,218$ 1,501,612$ - 3,810,301 - 45,679 4,498 196,999 - 244,096 390,716 5,798,687 235,000 2,965,000 132,361 1,694,369 367,361 4,659,369 23,355 1,139,318 303,678 758,289 327,033 1,897,607 1,102 7,440,170 328,135$ 9,337,777$ Page 266 of 464 146 City of Elk River Component Unit Financial Statements The Housing and Redevelopment Authority of Elk River is a component unit of the City. Its operations are presented as a separate column on the combined financial statements. Housing and Redevelopment Authority Fund This governmental fund is used to account for housing and redevelopment activities. Revenues are derived from the HRA property tax levy. Page 267 of 464 147 Housing and Redevelopment Authority Assets Cash and investments 821,348$ Taxes receivable 10,424 Accounts receivable 1,917 Notes receivable 562,108 Due from primary government 161,823 Land held for resale 382,000 Total assets 1,939,620$ Liabilities Accounts payable 27$ Salaries and benefits payable 3,476 Due to primary government 8,469 Total liabilities 11,972 Deferred Inflows of Resources Unavailable revenue - property taxes 2,955 Fund Balances Nonspendable 562,108 Restricted for housing and redevelopment 1,362,585 Total fund balances 1,924,693 Total liabilities, deferred inflows of resources, and fund balances 1,939,620$ Total fund balances reported above 1,924,693$ Amounts reported for the Housing and Redevelopment Authority in the Statement of Net Position are different because: Capital assets used in governmental activities are not financial resources, and therefore, are not reported in the funds Land 315,900 Other improvements 174,290 Less accumulated depreciation (128,781) Some receivables are not available soon enough to pay for the current period's expenditures, and therefore are reported as unavailable revenue in the funds Delinquent taxes receivable 2,955 The net pension liability and related deferred inflows and deferred outflows are recorded only on the Statement of Net Position. Balances at year-end are: Net pension liability (53,256) Deferred inflows of resources related to pensions (16,314) Deferred outflows of resources related to pensions 14,392 Total net position - Housing and Redevelopment Authority 2,233,879$ City of Elk River Balance Sheet - Governmental Fund Housing and Redevelopment Authority Component Unit December 31, 2023 Page 268 of 464 148 Housing and Redevelopment Authority Revenues Property taxes 398,899$ Intergovernmental 236 Other revenue Investment income 7,652 Total revenues 406,787 Expenditures Current Economic development 264,696 Net change in fund balances 142,091 Fund Balances Beginning of year 1,782,602 End of year 1,924,693$ Amounts reported for the Housing and Redevelopment Authority in the Statement of Activities are different because: Net changes in fund balances - Housing and Redevelopment Authority 142,091$ Capital outlays are reported in governmental funds as expenditures. However, in the Statement of Activities the cost of those assets is allocated over their estimated useful lives as depreciation expense. Depreciation expense (11,619) Certain revenues are recognized as soon as they are earned. Under the modified accrual basis of accounting, certain revenues cannot be recognized until they are available to liquidate liabilities of the current period. Property taxes (4,384) Pension expenditures in the governmental funds are measured by current year employee contributions. Pension expenses on the Statement of Activities are measured by the change in net position liability and the related deferred inflows and deferred outflows of resources.(10,561) Change in net position - Housing and Redevelopment Authority 115,527$ Housing and Redevelopment Authority Component Unit Statement of Revenues, Expenditures, and Change in Fund Balances Year Ended December 31, 2023 City of Elk River Page 269 of 464 149 STATISTICAL SECTION (UNAUDITED) CITY OF ELK RIVER ELK RIVER, MINNESOTA FOR THE YEAR ENDED DECEMBER 31, 2023 Page 270 of 464 150 Page 271 of 464 151 City of Elk River Statistical Section (Unaudited) This part of the City of Elk River's comprehensive annual financial report presents detailed information as a context for understanding what the information in the financial statements, note disclosures, and required supplementary information says about the City's overall financial health. Financial Trends 152 These schedules contain trend information to help the reader understand how the government's financial performance and well-being have changed over time. Revenue Capacity 162 These schedules contain information to help the reader assess the government's most significant local revenue source, property taxes. Debt Capacity 168 These schedules present information to help the reader assess the affordability of the government's current level of outstanding debt and the government's ability to issue additional debt in the future. Demographic and Economic Information 177 These schedules offer demographic and economic indicators to help the reader understand the environment within which the government's financial activities take place. Operating Information 178 These schedules contain service and infrastructure data to help the reader understand how the information in the City's financial report relates to the services the City provides and the activities it performs. Sources: Unless otherwise noted, the information in these schedules is derived from the annual comprehensive financial reports for the relevant year. Page 272 of 464 152 City of Elk River Statistical Section (Unaudited) Net Position by Component Last Ten Fiscal Years 2014 2015 2016 2017 Governmental Activities Net investment in capital assets 84,921,650$ 75,030,579$ 78,119,790$ 78,958,608$ Restricted 4,192,856 3,675,588 11,990,647 2,925,562 Unrestricted 24,902,387 20,170,751 6,584,209 15,779,965 Total governmental activities net position 114,016,893$ 98,876,918$ 96,694,646$ 97,664,135$ Business-Type Activities Net investment in capital assets 62,392,972$ 76,747,269$ 82,230,963$ 83,919,324$ Restricted 490,500 490,500 997,660 997,660 Unrestricted 24,718,391 24,504,299 21,466,617 21,912,125 Total business-type activities net position 87,601,863$ 101,742,068$ 104,695,240$ 106,829,109$ Total Primary Government Net investment in capital assets 151,777,848$ 160,350,753$ 162,877,932$ 162,196,792$ Restricted 4,166,088 12,988,307 3,923,222 5,497,407 Unrestricted 44,675,050 28,050,826 37,692,090 41,994,114 Total primary government 200,618,986$ 201,389,886$ 204,493,244$ 209,688,313$ Fiscal Year Page 273 of 464 153 Table 1 2018 2019 2020 2021 2022 2023 77,092,055$ 78,288,782$ 78,477,651$ 75,360,937$ 83,281,488$ 86,306,541$ 4,236,048 3,741,368 17,138,100 12,112,762 9,676,717 15,689,829 17,685,456 19,823,663 14,546,321 26,690,158 24,423,193 18,081,750 99,013,559$ 101,853,813$ 110,162,072$ 114,163,857$ 117,381,398$ 120,078,120$ 85,104,737$ 84,327,032$ 86,155,217$ 87,943,523$ 93,539,999$ 97,325,836$ 1,261,359 1,261,359 1,261,359 1,779,016 1,779,016 1,779,016 24,308,658 27,656,995 31,499,220 33,405,459 32,615,346 34,557,899 110,674,754$ 113,245,386$ 118,915,796$ 123,127,998$ 127,934,361$ 133,662,751$ 162,615,814$ 164,632,868$ 163,304,460$ 176,821,487$ 176,821,487$ 183,632,377$ 5,002,727 18,399,459 13,891,778 11,455,733 11,455,733 17,468,845 47,480,658 46,045,541 60,095,617 57,038,539 57,038,539 52,639,649 215,099,199$ 229,077,868$ 237,291,855$ 245,315,759$ 245,315,759$ 253,740,871$ Fiscal Year Page 274 of 464 154 City of Elk River Statistical Section (Unaudited) Changes in Net Position Last Ten Fiscal Years (Accrual Basis of Accounting) 2014 2015 2016 2017 Expenses Governmental activities General government 3,554,136$ 3,619,293$ 3,996,316$ 3,932,100$ Public safety 6,615,593 6,720,283 9,231,492 7,670,839 Public works 6,860,673 5,351,630 5,539,045 6,803,504 Culture and recreation 4,088,992 3,970,704 4,014,737 4,157,960 Economic development 1,091,125 959,414 954,723 1,221,761 Interest and fiscal charges 1,075,408 1,084,902 996,933 549,303 Total governmental activities expenses 23,285,927 21,706,226 24,733,246 24,335,467 Business-type activities Municipal liquor 5,776,873 5,945,126 6,063,922 6,030,973 Sewer 2,156,329 2,318,709 2,473,139 3,377,828 Garbage 1,303,943 1,382,890 1,475,027 1,521,803 Storm water - 736,411 645,596 774,805 Water 2,459,319 2,478,904 2,532,653 2,856,343 Electric 29,597,247 30,012,830 32,190,114 33,688,690 Total business-type activities expenses 41,293,711 42,874,870 45,380,451 48,250,442 Total expenses 64,579,638$ 64,581,096$ 70,113,697$ 72,585,909$ Program Revenues Governmental activities Charges for services General government 385,238$ 439,826$ 678,679$ 756,586$ Public safety 1,063,725 1,194,458 1,041,141 1,471,063 Public works 233,593 174,452 199,034 177,802 Culture and recreation 906,291 925,591 931,674 1,051,312 Economic development 77,430 92,716 32,961 87,842 Operating grants and contributions 1,049,744 1,033,338 1,692,517 1,319,377 Capital grants and contributions 4,020,851 3,574,036 1,333,057 3,187,830 Total governmental activities program revenue 7,736,872 7,434,417 5,909,063 8,051,812 Business-type activities Charges for services Municipal liquor 6,825,342 6,974,336 7,009,574 6,951,988 Sewer 1,734,141 1,818,476 1,921,190 2,116,900 Garbage 1,304,750 1,321,301 1,342,900 1,352,728 Storm water - 355,454 477,377 509,365 Water 2,290,824 2,379,835 2,370,221 2,553,651 Electric 31,596,217 32,831,209 34,746,098 36,465,382 Operating grants and contributions - - - - Capital grants and contributions 935,909 2,708,564 1,758,131 2,196,626 Total governmental activities program revenue 44,687,183 48,389,175 49,625,491 52,146,640 Total program revenues 52,424,055 55,823,592 55,534,554 60,198,452 Fiscal Year Page 275 of 464 155 Table 2 2018 2019 2020 2021 2022 2023 3,981,134$ 3,786,257$ 4,526,987$ 4,655,075$ 5,180,758$ $5,993,465 7,398,041 9,188,562 8,372,884 8,082,449 11,558,469 12,082,411 5,619,836 5,920,022 4,468,711 5,340,633 7,638,554 6,469,657 4,474,619 4,094,690 6,080,466 11,070,966 6,139,661 7,261,458 969,443 540,497 691,956 433,530 527,673 685,115 486,630 979,755 1,490,127 1,796,294 1,615,250 1,506,222 22,929,703 24,509,783 25,631,131 31,378,947 32,660,365 33,998,328 6,233,700 6,772,414 7,119,662 7,683,695 7,785,027 7,342,192 3,504,489 3,550,622 3,672,176 3,743,503 3,759,165 3,970,547 1,588,956 1,456,482 1,565,482 1,623,785 1,670,454 1,702,811 634,073 1,024,928 571,170 612,527 663,420 980,969 2,666,149 35,200,295 34,565,317 38,462,316 43,262,804 42,868,962 35,680,220 2,703,390 2,697,201 3,210,394 3,208,929 3,232,421 50,307,587 50,708,131 50,191,008 55,336,220 60,349,799 60,097,902 73,237,290$ 75,217,914$ 75,822,139$ 86,715,167$ 93,010,164$ 94,096,230$ 648,183$ 765,646$ 647,010$ 853,100$ 800,973$ $926,657 1,219,783 1,267,920 1,176,435 1,211,025 1,184,261 1,267,373 111,740 94,832 51,986 65,332 380,000 88,288 1,071,902 810,476 448,022 1,148,991 1,338,079 1,745,735 91,503 57,075 83,785 246,301 102,066 121,027 1,381,151 1,396,313 3,354,583 1,328,148 1,905,073 2,553,557 1,721,638 1,509,650 3,254,122 5,916,070 8,005,633 3,843,438 6,245,900 5,901,912 9,015,943 10,768,967 13,716,085 10,546,075 7,203,155 7,617,790 7,927,706 8,620,643 8,531,414 7,978,894 2,301,428 2,383,196 2,481,522 2,517,025 2,633,732 2,774,077 1,553,498 1,645,115 1,686,664 1,773,620 1,889,247 1,920,516 485,484 510,889 564,699 586,049 609,101 905,891 2,757,237 2,552,630 2,936,855 3,412,990 44,729,379 45,379,292 39,151,208 38,663,268 38,469,516 41,396,708 3,413,829 3,802,450 - 1,200 - - - - 2,295,004 1,277,596 3,331,984 4,308,960 7,289,979 1,583,273 55,747,014 54,651,684 57,398,946 62,615,995 69,096,681 64,344,393 61,992,914 60,553,596 66,414,889 73,384,962 82,812,766 74,890,468 Fiscal Year Page 276 of 464 156 City of Elk River Statistical Section (Unaudited) Changes in Net Position (Continued) Last Ten Fiscal Years (Accrual Basis of Accounting) 2014 2015 2016 2017 Net (Expenses) Revenues Governmental activities (15,549,055)$ (14,271,809)$ (18,824,183)$ (16,283,655)$ Business-type activities 3,393,472 5,514,305 4,245,040 3,896,198 Total primary government (12,155,583)$ (8,757,504)$ (14,579,143)$ (12,387,457)$ General Revenues and Other Changes in Net Position Governmental activities Taxes Property taxes 10,509,231$ 10,931,945$ 11,136,310$ 11,645,328$ Sales taxes - - - - Other taxes 1,441,259 1,513,621 1,552,499 1,543,086 Unrestricted grants and contributions 1,749,886 1,642,098 1,820,248 1,720,932 Unrestricted investment earnings 1,137,024 512,193 311,469 498,235 Miscellaneous 29,593 2,796,041 29,695 116,012 Capital contributions (313,287) (11,188,695) - - Gain on sale of capital assets - - - - Transfers 1,332,023 297,362 1,791,690 1,971,250 Total governmental activities expenses 15,885,729 6,504,565 16,641,911 17,494,843 Business-type activities Unrestricted investment earnings 557,659 259,494 167,849 231,599 Miscellaneous 29,525 8,899 331,973 17,500 Capital contributions 313,287 11,188,695 - - Gain on sale of capital assets - - - - Transfers (1,332,023) (297,362) (1,791,690) (1,971,250) Total business-type activities expenses (431,552) 11,159,726 (1,291,868) (1,722,151) Total primary government 15,454,177$ 17,664,291$ 15,350,043$ 15,772,692$ Change in Net Position Governmental activities 336,674$ (7,767,244)$ (2,182,272)$ 1,211,188$ Business-type activities 2,961,920 16,674,031 2,953,172 2,174,047 Total primary government 3,298,594$ 8,906,787$ 770,900$ 3,385,235$ Fiscal Year Page 277 of 464 157 Table 2 Continued 2018 2019 2020 2021 2022 2023 (16,683,803)$ (18,607,871)$ (16,615,188)$ (20,609,980)$ (18,944,280)$ (23,452,253)$ 5,439,427 3,943,553 7,207,938 7,279,775 8,746,882 4,246,491 (11,244,376)$ (14,664,318)$ (9,407,250)$ (13,330,205)$ (10,197,398)$ (19,205,762)$ 12,192,911$ 13,022,991$ 13,972,068$ 14,290,673$ 15,250,309$ 16,077,123$ - 652,665 3,030,938 3,469,146 3,862,154 3,810,301 1,591,663 1,636,333 1,698,040 1,754,189 1,722,678 1,712,109 1,754,373 2,588,461 2,644,469 747,226 734,932 1,217,658 430,642 1,420,677 1,240,595 (56,944) (2,079,797) 2,233,568 - - 56,457 522,275 537,061 539,436 - - - - - - - 41,698 - 1,053,072 108,455 805,210 2,063,638 2,085,300 2,280,880 2,832,128 2,026,029 (246,430) 18,033,227 21,448,125 24,923,447 24,611,765 22,161,821 26,148,975 467,294 704,099 716,582 (75,566) (1,947,278) 1,177,123 2,462 - - - - - - - - - - - - 8,280 26,770 (159,879) 32,788 58,346 (2,063,638) (2,085,300) (2,280,880) (2,832,128) (2,026,029) 246,430 (1,593,882) (1,372,921) (1,537,528) (3,067,573) (3,940,519) 1,481,899 16,439,345$ 20,075,204$ 23,385,919$ 21,544,192$ 18,221,302$ 27,630,874$ 1,349,424$ 2,840,254$ 8,308,259$ 4,001,785$ 3,217,541$ 2,696,722$ 3,845,545 2,570,632 5,670,410 4,212,202 4,806,363 5,728,390 5,194,969$ 5,410,886$ 13,978,669$ 8,213,987$ 8,023,904$ 8,425,112$ Fiscal Year Page 278 of 464 158 City of Elk River Statistical Section (Unaudited) Fund Balances of Governmental Funds Last Ten Fiscal Years (Modified Accrual Basis of Accounting) 2014 2015 2016 2017 General Fund Nonspendable 22,725$ 23,676$ 20,964$ 88,038$ Restricted - 7,000 - - Committed 317,929 376,943 - - Assigned - - 266,832 356,174 Unassigned 5,822,948 6,157,179 6,470,281 6,853,298 Total general fund 6,163,602$ 6,564,798$ 6,758,077$ 7,297,510$ All other governmental funds Nonspendable 101,910$ 103,295$ 108,176$ -$ Restricted 13,925,683 13,202,500 12,245,679 3,104,196 Committed 5,829,001 8,099,951 9,250,014 10,354,648 Assigned 15,883,279 15,579,524 12,632,948 10,984,072 Unassigned (2,527,613) (2,438,049) (2,660,264) (2,627,513) Total all other governmental funds 33,212,260$ 34,547,221$ 31,576,553$ 21,815,403$ Fiscal Year Page 279 of 464 159 Table 3 2018 2019 2020 2021 2022 2023 124,064$ 187,305$ 282,860$ 160,019$ -$ 82,513$ - - - - - - - - - - - - 237,813 - - - - - 7,299,540 7,684,153 7,967,868 8,590,610 8,888,888 9,240,805 7,661,417$ 7,871,458$ 8,250,728$ 8,750,629$ 8,888,888$ 9,323,318$ 114,976$ 62,017$ 16$ 432$ 114,967$ 131,738$ 3,150,743 28,548,680 26,250,482 12,443,162 12,149,090 15,918,585 12,068,614 10,182,700 11,705,506 11,880,096 9,583,438 7,291,361 10,716,044 13,177,577 14,950,419 13,784,749 13,064,623 11,764,159 (2,934,515) (2,824,246) (2,652,806) (1,691,896) 7,610,065 (1,643,916) 23,115,862$ 49,146,728$ 50,253,617$ 36,416,543$ 42,522,183$ 33,461,927$ Fiscal Year Page 280 of 464 160 City of Elk River Statistical Section (Unaudited) Changes in Fund Balances of Governmental Funds Last Ten Fiscal Years (Modified Accrual Basis of Accounting) 2014 2015 2016 2017 Revenues Property taxes 10,640,251$ 10,953,633$ 11,171,496$ 11,642,778$ Sales taxes - - - - Other taxes 1,441,259 1,513,621 1,552,499 1,543,086 Licenses and permits 559,286 639,791 655,607 1,007,543 Intergovernmental 838,573 3,913,721 1,681,666 3,928,374 Charges for services 2,091,107 1,761,958 1,851,408 2,226,936 Fines and forfeitures 160,298 169,459 167,526 205,456 Special assessments 881,271 315,259 456,666 241,304 Investment earnings 1,146,462 512,193 311,469 498,235 Miscellaneous 2,358,709 2,169,789 1,455,555 2,313,388 Total revenues 20,117,216 21,949,424 19,303,892 23,607,100 Expenditures General government 3,181,547 3,365,570 3,601,468 3,524,634 Public safety 5,909,653 6,203,211 6,859,139 6,791,738 Public works 2,974,219 2,318,123 1,861,251 1,974,095 Culture and recreation 2,881,985 2,816,411 2,872,281 2,937,333 Economic development 1,095,535 954,673 949,205 1,122,261 Capital outlay 2,277,477 5,251,352 2,682,358 7,165,286 Debt service Principal 1,535,000 1,505,000 5,100,000 10,675,000 Interest and fiscal charges 1,105,114 1,113,963 1,148,535 725,732 Total expenditures 20,960,530 23,528,303 25,074,237 34,916,079 Deficiency of revenues under expenditures (843,314) (1,578,879) (5,770,345) (11,308,979) Other financing sources (uses) Bonds issued - - - - Premium on bonds issued - - - - Sale of capital assets 44,827 3,017,674 80,587 116,012 Payment to refunding escrow agent - - - - Lease issuance - - - - Transfers in 4,837,016 4,703,787 6,524,537 4,275,797 Transfers out (3,504,993) (4,406,425) (4,832,400) (2,304,547) Total other financing sources (uses) 1,376,850 3,315,036 1,772,724 2,087,262 Net change in fund balances 533,536$ 1,736,157$ (3,997,621)$ (9,221,717)$ Debt service as a percentage of non capital expenditures 14.1% 14.3% 27.4% 38.4% Fiscal Year Page 281 of 464 161 Table 4 2018 2019 2020 2021 2022 2023 12,214,702$ 13,011,977$ 13,975,014$ 14,286,904$ 15,016,982$ 16,279,104$ - 652,665 3,030,938 3,469,146 3,862,154 3,810,301 1,591,663 1,636,333 1,698,040 1,754,189 1,722,678 1,712,109 790,831 822,899 665,519 1,015,529 939,133 976,260 1,405,931 1,396,706 3,865,069 8,114,298 2,573,156 4,000,818 2,182,917 1,723,091 1,473,581 2,575,843 3,083,542 3,068,103 157,492 166,787 107,018 161,183 147,484 169,910 379,054 58,416 122,000 339,278 230,872 224,426 430,642 1,420,677 1,240,595 (56,944) (2,079,797) 2,233,568 2,212,818 3,202,501 2,899,380 3,278,522 3,218,201 3,058,965 21,366,050 24,092,052 29,077,154 34,937,948 28,714,405 35,533,564 3,733,746 4,004,917 4,333,018 4,439,105 4,638,041 5,155,639 7,325,724 7,620,997 7,764,843 8,335,808 9,100,633 9,789,473 1,875,645 2,217,650 2,274,616 2,421,631 2,528,964 2,701,433 3,438,103 2,968,847 3,056,757 3,891,907 4,326,742 4,711,517 964,926 540,763 693,157 454,657 517,691 580,422 2,431,103 16,631,953 24,556,635 28,183,763 9,210,937 11,495,481 1,575,000 1,315,000 1,900,000 2,195,000 2,375,772 3,077,697 507,661 713,023 1,865,033 1,847,335 1,917,993 1,795,928 21,851,908 36,013,150 46,444,059 51,769,206 34,616,773 39,307,590 (485,858) (11,921,098) (17,366,905) (16,831,258) (5,902,368) (3,774,026) - 32,715,000 14,775,000 4,805,000 - - - 3,234,515 1,364,913 428,885 - - 86,586 127,190 432,271 1,053,072 108,455 805,210 - - - (5,625,000) - - - - - - 263,291 - 3,354,035 3,288,938 4,533,426 4,128,325 4,085,115 4,994,167 (1,290,397) (1,203,638) (2,252,546) (1,296,197) (1,199,482) (1,762,289) 2,150,224 38,162,005 18,853,064 3,494,085 3,257,379 4,037,088 1,664,366$ 26,240,907$ 1,486,159$ (13,337,173)$ (2,644,989)$ 263,062$ 10.4% 10.4% 18.1% 15.1% 16.1% 16.2% Fiscal Year Page 282 of 464 162 Table 5 Fiscal Number of Total Year Customers KWh's Sold Billings 2014 9,449 274,546,059 31,517,888$ 2015 10,499 282,265,268 32,704,279 2016 10,816 305,337,641 34,569,098 2017 11,448 313,952,561 36,458,061 2018 11,983 331,124,011 39,039,573 2019 12,244 325,981,176 37,640,985 2020 12,365 324,469,638 37,714,965 2021 12,789 341,047,710 39,719,268 2022 12,955 333,644,951 42,395,048 2023 13,232 329,773,349 43,986,269 Source: Elk River Municipal Utilities Electric Sales Last Ten Fiscal Years Page 283 of 464 163 Table 6 Percentage Percentage Total kWh Total of Total Total kWh Total of Total Customer Sold Billings Billings Sold Billings Billings Customer 1 53,179,200 4,367,314$ 9.93% - $ - 0.00% Customer 2 23,289,600 2,004,845 4.56% - - 0.00% Customer 3 5,130,400 454,836 1.03% 4,728,000 294,913 2.07% Customer 4 5,175,000 447,280 1.02% 3,778,185 229,776 1.62% Customer 5 4,587,600 440,566 1.00% 5,900,000 368,017 2.59% Customer 6 4,714,680 400,272 0.91% 4,984,200 260,384 1.83% Customer 7 3,340,950 307,784 0.70% 2,957,490 205,306 1.44% Customer 8 3,387,500 302,564 0.69% - - - Customer 9 2,809,400 242,663 0.55% 3,306,400 209,682 1.47% Customer 10 2,241,000 226,381 0.51% 2,727,760 200,647 1.41% Customer 11 2,417,301 157,186 1.11% Customer 12 1,682,784 131,001 0.92% Total 107,855,330 9,194,505$ 20.90% 32,482,120 2,056,912$ 14.46% Minnesota Statute 13.685 considers data on customers of municipal electric utilities as private data and will no longer be disclosing customer names. Source: Elk River Municipal Utilities City of Elk River Principal Electric Customers Current Year and Nine Years Ago 2023 2014 Page 284 of 464 164 2014 2015 2016 2017 2018 Tax capacity Real property 20,047,632$ 21,060,822$ 21,850,219$ 22,672,085$ 23,858,008$ Personal property 367,641 366,113 385,056 381,355 384,540 Total tax capacity 20,415,273 21,426,935 22,235,275 23,053,440 24,242,548 Tax increment (116,513) (198,997) (204,017) (184,717) (196,166) Taxable net tax capacity 20,298,760$ 21,227,938$ 22,031,258$ 22,868,723$ 24,046,382$ Total tax capacity rate 48.544% 47.190% 46.170% 46.193% 46.011% Taxable market value Real property 1,622,624,100$ 1,735,898,300$ 1,826,858,800$ 1,909,814,070$ 2,026,119,675$ Personal property 18,736,600 18,585,200 19,469,900 19,234,400 19,393,900 Taxable market value 1,641,360,700$ 1,754,483,500$ 1,846,328,700$ 1,929,048,470$ 2,045,513,575$ Estimated actual market value of taxable property 1,796,401,800$ 1,900,894,800$ 1,978,763,900$ 2,060,082,600$ 2,178,621,000$ Taxable market value as a percentage of estimated actual market value 91.37%92.30%93.31%93.64%93.89% Note: Property in the county is reassessed annually. The county assessor's market value of property is approximately 95 percent of actual value for all types of real and personal property. Source: Sherburne County Assessor Fiscal Year City of Elk River Tax Capacity, Market Value and Estimated Actual Value of Taxable Property Last Ten Fiscal Years Page 285 of 464 165 Table 7 2019 2020 2021 2022 2023 25,796,978$ 27,658,820$ 29,276,840$ 31,408,437$ 37,852,795$ 408,699 375,332 396,605 467,376 540,816 26,205,677 28,034,152 29,673,445 31,875,813 38,393,611 (199,061) (211,066) (263,732) (294,137) (371,512) 26,006,616$ 27,823,086$ 29,409,713$ 31,581,676$ 38,022,099$ 45.907% 46.241% 44.556% 43.967% 39.700% 2,219,031,172$ 2,394,547,946$ 2,558,852,731$ 2,766,271,639$ $3,387,630,626 20,605,300 18,945,900 20,009,600 23,548,900 27,213,700 2,239,636,472$ 2,413,493,846$ 2,578,862,331$ 2,789,820,539$ 3,414,844,326$ 2,374,405,900$ 2,547,475,200$ 2,707,389,000$ 2,912,167,000$ $3,517,039,400 94.32%94.74%95.25%95.80%97.09% Fiscal Year Page 286 of 464 166 Page 287 of 464 167 Table 8 Total Direct and Fiscal Debt Referendum Special Overlapping Year Operating Service Total County Operating Mkt. Value Districts Rates 2014 46.740 1.804 48.544 54.861 51.286 0.156 4.987 159.834 2015 45.433 1.757 47.190 51.979 42.483 0.209 4.779 146.640 2016 44.507 1.663 46.170 50.478 39.268 0.215 4.778 140.909 2017 44.584 1.609 46.193 50.460 36.659 0.219 4.509 138.040 2018 44.474 1.537 46.011 49.356 36.137 0.218 4.269 135.991 2019 44.099 1.808 45.907 47.928 32.865 0.216 2.496 129.412 2020 44.013 2.228 46.241 47.426 34.371 0.320 2.533 130.891 2021 42.452 2.104 44.556 45.835 31.717 0.306 2.328 124.742 2022 42.059 1.908 43.967 44.080 30.889 0.305 2.200 121.441 2023 37.082 2.618 39.700 38.630 26.605 0.289 2.099 107.323 1 Overlapping rates are those of local and county governments that apply to property owners within the City of Elk River. Not all overlapping rates apply to all City of Elk River property owners (e.g., the rates for special districts apply only to the proportion of the city's property owners whose property is located within the geographic Source: Sherburne County Auditor/Treasurer boundaries of the special district. City of Elk River Overlapping Rates School District City of Elk River Property Tax Rates Direct and Overlapping1 Governments Last Ten Fiscal Years Page 288 of 464 168 Table 9 Percentage Percentage Net Tax of Total Net Net Tax of Total Net Taxpayer Capacity Rank Tax Capacity Capacity Rank Tax Capacity Great River Energy 838,532$ 1 2.21% 1,159,164$ 1 5.71% Cristobal Ventures LLC 631,612 2 1.66 - - - Minnegasco 514,768 3 1.35 137,404 9 0.68 Target Corporation 430,174 4 1.13 270,230 5 1.33 Freeport Elk River LLC 363,692 5 0.96 - - - Walmart Stores 305,064 6 0.80 274,298 4 1.35 St Elk River MN LLC 284,740 7 0.75 - - - Menard, Inc 218,482 8 0.57 181,316 6 0.89 Elk River Senior Properties LLC 209,974 9 0.55 - - - BIGO-Evans Meadows LLC 193,024 10 0.51 - - - JPM Capital Corporation - - - 383,250 2 1.89 BRE Retail Residual Owner, LLC - - - 277,088 3 1.37 Envision Company LLC - 151,068 7 0.74 Home Depot - - - 138,084 8 0.68 ARHC ERELKMN01 LLC - - - 112,478 10 0.55 Total 3,990,062$ 13.37% 3,084,380$ 16.00% Source: Sherburne County Assessor 2023 2014 City of Elk River Principal Taxpayers Current Year and Nine Years Ago Page 289 of 464 169 Table 10 Collections in Fiscal Total Year's Percentage Subsequent Percentage Year Tax Levy Amount of Levy Years Amount of Levy 2014 10,315,213$ 10,300,688$ 99.86 12,924$ 10,313,612$ 99.98 2015 10,541,718 10,511,527 99.71 27,864 10,539,391 99.98 2016 10,852,545 10,843,359 99.92 7,950 10,851,309 99.99 2017 11,397,665 11,362,631 99.69 34,310 11,396,941 99.99 2018 11,910,489 11,899,143 99.90 11,009 11,910,152 100.00 2019 12,749,645 12,706,730 99.66 42,124 12,748,854 99.99 2020 13,632,710 13,647,883 100.11 (19,070) 13,628,813 99.97 2021 13,922,492 13,911,413 99.92 982 13,912,395 99.93 2022 14,725,913 14,679,784 99.69 23,707 14,703,491 99.85 2023 15,973,005 15,892,157 99.49 - 15,892,157 99.49 Collected within the Fiscal Year of the Levy Total Collections to Date City of Elk River Property Tax Levies and Collections Last Ten Fiscal Years Page 290 of 464 170 General General Total PercentageFiscal General Obligation Special Lease Obligation Revenue Notes Lease Primary of Personal PerYearObligationRevenueAssessmentLiabilityOtherRevenueBondsPayableLiabilityGovernmentIncome1Capita12014 34,023,916$ -$ 1,246,612$ -$ 1,410,000$ 12,868,388$ 3,634,845$ 1,599,876$ -$ 54,783,637$ 7.14% 2,316$ 2015 32,789,690 - 924,765 - 1,410,000 12,564,299 3,020,935 1,408,368 - 52,118,057 6.69% 2,183 2016 29,365,466 - 607,918 - - 11,858,552 12,462,779 1,214,076 - 55,508,791 6.81% 2,294 2017 18,951,241 - 296,071 - - 11,132,723 11,781,983 1,018,860 - 43,180,878 5.19% 1,758 2018 17,632,016 - - - - 10,381,894 21,528,442 820,608 - 50,362,960 5.89% 2,023 2019 16,277,791 35,913,322 - - - 9,233,625 21,004,411 619,692 - 83,048,841 9.49% 3,290 2020 31,028,479 35,235,066 - - - 16,053,687 19,741,758 415,740 - 102,474,730 11.44% 4,004 2021 29,062,498 34,301,810 - - - 16,737,477 31,305,891 209,124 - 111,616,800 12.50% 4,320 2022 27,518,821 33,328,554 - 407,831 - 8,918,365 30,190,124 - 41,895 100,405,590 10.02% 3,785 2023 25,320,144 32,310,298 - 295,134 - 8,329,253 29,215,262 - 32,679 95,502,770 8.25% 3,525 Note: Details regarding the city's outstanding debt can be found in the notes to the financial statements.1 See the Schedule of Demographic and Economic Statistics for personal income and population data.Governmental ActivitiesCity of Elk RiverRatios of Outstanding Debt by TypeLast Ten Fiscal YearsBusiness-Type Activities Page 291 of 464 171 City of Elk River Ratios of General Bonded Debt Outstanding Last Ten Fiscal Years Table 12 Less Amounts Less Percentage Net General Restricted Cash with Net of Net Bonded Bonded Fiscal Bonded for Debt Fiscal Bonded Debt to Tax Debt per Year Debt1 Service Agent Debt Capacity2 Capita3 2014 31,001,667$ 1,599,852$ 9,580,144$ 19,821,671$ 99.50% 838$ 2015 28,986,667 1,154,728 9,423,440 18,408,499 97.65% 771 2016 25,728,333 1,556,232 9,284,303 14,887,798 86.72% 611 2017 15,331,667 1,608,880 0 13,722,787 60.01% 559 2018 14,220,000 1,473,230 - 12,746,770 53.01% 512 2019 13,076,667 1,553,879 - 11,522,788 44.31% 456 2020 26,676,667 7,510,704 - 19,165,963 68.89% 749 2021 24,646,667 2,019,928 - 22,626,739 76.94% 876 2022 23,410,000 1,915,672 - 21,494,328 68.06% 814 2023 21,523,333 1,713,055 - 19,810,278 52.10% 734 Note: Details regarding the city's outstanding debt can be found in the notes to the financial statements. 1 Only includes debt supported by tax levy; does not include sales tax revenue bonds. 2 See the Schedule of Tax Capacity, Market Value and Estimated Actual Value of Taxable Property for property value data. 3 Population data can be found in the Schedule of Demographic and Economic Statistics. Page 292 of 464 172 Page 293 of 464 173 Direct and Overlapping Governmental Activities Debt December 31, 2023 Table 13 Percent of Debt City's Outstanding Applicable Share Debt to City1 of Debt Direct Debt: City of Elk River2 57,925,576$ 100.00% 57,925,576$ Overlapping Debt: Sherburne County 37,726,121 26.11% 9,848,456 School District #728 285,730,000 28.94% 82,678,073 Total overlapping debt 323,456,121 92,526,529 Total direct and overlapping debt 381,381,697$ 150,452,105$ Debt Ratios: Ratio of debt per capita (27,001 population)$5,561 Ratios of debt to taxable market value of $3,414,844,326 4.40% 1 The percentage of overlapping debt applicable is estimated using taxable market property values. Applicable percentages were estimated by determining the portion of the county's and school district's taxable market value that is within the city's boundaries and dividing it by the county's and school district's total taxable market value. 2 Excludes debt payable from enterprise revenue. Note: Overlapping governments are those that coincide, at least in part, with the geographic boundaries of the city. This schedule estimates the portion of the outstanding debt of those overlapping governments that is borne by the residents and business of the City of Elk River. This process recognizes that, when considering the city's ability to issue and repay long-term debt, the entire debt burden borne by the residents and businesses should be taken into account. However, this does not imply that every taxpayer is a resident, and therefore responsible for repaying the debt of each overlapping government. Source: Sherburne County and School District #728 City of Elk River Page 294 of 464 174 2014 2015 2016 2017 2018 Debt limit 53,892,054$ 57,026,844$ 59,362,917$ 61,802,478$ 65,358,630$ Bonds 30,071,667 28,986,667 25,706,667 15,331,667 14,220,000 Reserves 10,743,409 10,673,852 10,560,614 1,377,746 1,457,117 Total net debt applicable to limit 19,328,258 18,312,815 15,146,053 13,953,921 12,762,883 Legal debt margin 34,563,796$ 38,714,029$ 44,216,864$ 47,848,557$ 52,595,747$ Total net debt applicable to the limit as a percentage of debt limit 35.86% 32.11% 25.51% 22.58% 19.53% Note: Under state law, the City of Elk River's outstanding general obligation debt should not exceed 3 percent of the market value of taxable property. By law, the general obligation debt subject to the limitation may be offset by amounts set aside for the extinguishment of those obligations. 1 Only 2/3 of the $7,050,000 GO EDA Refunding Bonds, Series 2013A are subject to the debt limit. The remaining 1/3 will be paid by the YMCA. Fiscal Year City of Elk River Legal Debt Margin Information Last Ten Fiscal Years Page 295 of 464 175 Table 14 2019 2020 2021 2022 2023 71,232,177$ 76,424,256$ 77,365,870$ 83,694,616$ 102,445,330$ 13,076,667 26,676,667 24,646,667 23,410,000 21,523,333 1,528,399 7,511,416 1,780,459 1,785,970 1,682,530 11,548,268 19,165,251 22,866,208 21,624,030 19,840,803 59,683,909$ 57,259,005$ 54,499,662$ 62,070,586$ 82,604,527$ 16.21% 25.08% 29.56% 25.84% 19.37% Legal Debt Margin Calculation for Fiscal Year 2023 Estimated taxable market value $3,414,844,326 Debt limit (3% of market value) $102,445,330 Debt applicable to limit: G.O. capital improvement bonds 17,200,000 G.O. EDA bonds1 4,323,333 Less: Cash and investments in related debt service funds (1,682,530) Total net debt applicable to limit 19,840,803 Legal debt margin 82,604,527$ Fiscal Year Page 296 of 464 176 Table 15 Net Special Fiscal Gross Operating Revenue Debt Service Assessment Debt Service YearRevenue 2Expenses 3AvailablePrincipalInterestCoverageCollectionsPrincipalInterestCoverage2014 35,249,153$ 29,806,010$ 5,443,143$ 3,940,000$ 282,209$ 1.29 182,191$ 375,000$ 29,000$ 0.45 2015 36,586,235 30,281,264 6,304,971 900,000 464,938 4.62 162,519 310,000 21,550 0.49 2016 38,559,107 32,376,907 6,286,971 2,860,000 183,634 2.07 135,447 305,000 15,400 0.42 2017 40,563,969 34,509,407 6,182,200 1,355,000 673,662 3.05 106,349 300,000 8,900 0.34 2018 43,542,520 35,946,427 7,596,093 1,390,000 627,528 3.77 - 295,000 2,950 0.00 2019 42,781,499 34,883,488 7,898,011 1,620,000 924,505 3.10 - - - 0.00 2020 43,078,573 34,310,476 8,768,097 1,625,000 1,023,466 3.31 - - - 0.00 2021 46,398,629 38,450,863 7,947,766 1,915,000 927,535 2.80 - - - 0.00 2022 49,445,623 43,409,827 6,035,796 8,865,000 1,262,155 0.60 - - - 0.00 2023 50,608,815 43,077,556 7,531,259 1,435,000 973,191 3.13 - - - 0.00 Note: Details regarding the government's outstanding debt can be found in the notes to the financial statements.1 Includes Liquor, Sewer, Water and Electric revenue bonds2 Gross revenue excludes interest income, connection fees and miscellaneous revenues3 Expenses exclude depreciation, interest on bonds and miscellaneous expensesRevenue Bonds 1Special Assessment BondsCity of Elk RiverPledged-Revenue CoverageLast Ten Fiscal Years Page 297 of 464 177 Table 16 Personal Fiscal Income Per Capita Median School Unemployment Year Population1 (in thousands)Income2 Age3 Enrollment4 Rate5 2014 23,730 767,666$ 32,350$ 36 13,627 4.1% 2015 23,987 782,528 32,623 35 13,751 4.0% 2016 24,368 815,597 33,470 36 14,077 3.4% 2017 24,567 832,784 33,899 36 14,294 4.0% 2018 24,891 854,433 34,327 36 14,448 3.8% 2019 25,243 875,452 34,681 36 14,623 3.9% 2020 25,590 895,676 35,001 36 14,280 4.9% 2021 25,835 893,090 34,569 37 14,169 3.7% 2022 26,406 997,143 37,762 37 14,956 2.9% 2023 27,001 1,154,158 42,745 36 15,041 3.0% Data Sources 1 State Demographer 2 Bureau of Economic Analysis 3 US Census Bureau 4 School District 5 Minnesota Department of Employment and Economic Development n/a - not available City of Elk River Demographic and Economic Statistics Last Ten Fiscal Years Page 298 of 464 178 Table 17 Percentage Percentage of Total City of Total City Employer Employees Rank Employment Employees Rank Employment Independent School District 728 1 2,100 1 16.86% 1,421 1 11.28% Sherburne County 697 2 5.60% 616 2 4.89% Guardian Angels of Elk River 374 3 3.00% 374 3 2.97% Walmart 354 4 2.84% 354 4 2.81% City of Elk River 243 5 1.95% 214 5 1.70% Great River Energy 210 6 1.69% 210 6 1.67% Sportech, Inc. 185 7 1.49% 185 7 1.47% Menards 173 8 1.39% 173 8 1.37% Tescom Corporation 170 9 1.37% 170 9 1.35% First National Financial Services 142 10 1.14% - - - Cornerstone Auto Resource - - - 138 10 1.10% Total 4,648 37.33% 3,855 30.61% Total Employment 2 12,453 12,599 1 Total District 2 Minnesota Department of Employment and Economic Development 20142023 City of Elk River Principal Employers Current Year and Nine Years Ago Page 299 of 464 179 Table 18 Function 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 General government 28.3 29.3 29.3 29.3 30.3 29.3 29.8 29.9 31.3 31.5 Public safety: Police Officers 31.0 32.0 32.0 32.0 34.0 34.0 34.0 34.0 34.0 34.0 Civilians 9.0 9.0 9.0 9.0 9.0 9.0 10.0 10.0 10.0 11.0 Fire Fire administration 2.73.03.03.03.05.05.05.05.05.0 Paid on-call volunteers 40.0 44.0 44.0 44.0 45.0 45.0 45.0 45.0 45.0 45.0 Other public safety 9.09.09.09.09.07.07.07.07.07.0 Public works 15.0 15.0 15.0 15.0 15.0 16.0 15.5 15.6 15.6 16.6 Culture and recreation 18.5 17.5 17.5 17.8 18.3 18.6 19.7 23.6 24.6 24.9 Economic development 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 2.0 Municipal liquor 13.0 13.0 13.0 13.0 13.0 13.5 13.5 13.5 13.5 13.5 Sewer 6.0 6.0 6.0 6.0 6.0 6.0 6.0 7.0 7.0 7.0 Storm Water - 1.0 1.0 1.0 1.0 1.0 1.0 0.0 0.0 0.0 Water 8.0 8.0 8.0 8.0 8.0 8.0 8.0 8.5 8.5 8.5 Electric 31.0 34.0 34.0 34.0 34.0 36.0 36.0 37.0 36.4 37.2 Total 213.5 222.8 222.8 223.1 227.6 230.4 232.5 238.1 239.9 243.2 Source: City of Elk River Finance Department Fiscal Year City of Elk River Full-Time Equivalent Employees by Function Last Ten Fiscal Years Page 300 of 464 180 Table 19Function 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023Planning Land use applications 85 118 138 122 103 102 126 89 112 115Police Police calls 21,585 21,930 24,728 26,329 27,061 26,209 24,083 25,449 23,982 24,314 Traffic citations 1,930 2,778 2,818 3,294 2,309 2,575 1,570 2,339 1,751 2,533Fire Fire calls 411 436 442 473 483 497 497 577 547 613Building/environmental Permits issued 1,956 1,722 1,804 2,245 2,316 2,466 2,701 2,747 2,456 2,734 Valuation of permits 47,037$ 57,965$ 51,368$ 106,983$ 66,048$ 70,313$ 81,056$ 137,788$ 109,930$ 105,926$ (thousands of dollars)Public works Street sweeping (hours) 1,888 1,824 1,520 1,314 991 1,000 1,100 950 825 800 Snowplowing (hours) 5,872 3,018 3,368 3,812 5,122 4,200 3,900 4,160 5,500 4,800 Equipment repair (hours) 5,210 3,575 3,688 4,196 5,140 5,100 5,200 5,440 4,950 4,947Culture and recreation Recreation participants 27,330 27,348 27,452 27,787 27,637 33,522 12,285 36,752 41,061 26,789 Ice arena usage (hours)4,5685,4694,5834,5184,4594,2342,1081,8705,0356,796 Sewer Average daily treatment flow 1,200 1,200 1,300 1,300 1,300 1,300 1,350 1,350 1,350 1,350 (thousands of gallons)Water Number of customers 4,676 4,672 4,903 5,011 5,140 5,256 5,320 5,430 5,551 5,611 Average daily consumption 2,143 2,192 2,196 2,159 2,254 2,133 2,391 2,677 2,429 2,751 (thousands of gallons)Electric Number of customers 9,449 10,499 10,816 11,448 11,983 12,244 12,365 12,789 12,955 13,232 Average daily consumption 790 773 837 878 931 922 923 953 943 936 (thousands of KWh's)Sources: Various city departmentsFiscal YearCity of Elk RiverOperating Indicators by FunctionLast Ten Fiscal YearsPage 301 of 464 181 Table 20Function 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023Public safety Police: Stations 1 111111111 Patrol units 12 131313141414141617 Fire Stations 2 222222233Public works Streets (miles) 151 151 155 155 155 155 157 160 164 164Culture and recreation Parks 46 4646464640 140 40 40 40 Parks acreage 1,392 1,392 1,392 1,392 1,392 1,392 1,392 1,392 1,392 1,392Sewer Sanitary sewers (miles) 80 8080808080828713687 Lift stations 21 21 21 21 21 21 22 23 23 23 Maximum daily treatment capacity 2,200 2,200 4,500 4,500 4,500 4,500 4,500 4,500 4,500 4,500 (thousands of gallons)Water Maximum daily capacity 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 (thousands of gallons)Electric Generating facilities 6 666666666Note: No capital asset indicators are available for the general government function.1 Several smaller parks were consolidated into Woodland Trails Regional ParkSources: Various city departmentsFiscal YearCity of Elk RiverCapital Asset Statistics by FunctionLast Ten Fiscal YearsPage 302 of 464 City of Elk River Sherburne County, Minnesota Communications Letter December 31, 2023 Page 303 of 464 City of Elk River Table of Contents Report on Matters Identified as a Result of the Audit of the Basic Financial Statements 1 Required Communication 3 Financial Analysis 7 Emerging Issues 22 Page 304 of 464 1 Report on Matters Identified as a Result of the Audit of the Basic Financial Statements Honorable Mayor, Members of the City Council, and Management City of Elk River Elk River, Minnesota In planning and performing our audit of the basic financial statements of the governmental activities, business-type activities, the aggregate discretely presented component unit, each major fund, and the aggregate remaining fund information of the City of Elk River, Minnesota, as of and for the year ended December 31, 2023, in accordance with auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States, we considered the City's internal control over financial reporting (internal control) as a basis for designing 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 City's internal control. Accordingly, we do not express an opinion on the effectiveness of the City's internal control over financial reporting. Our consideration of internal control was for the limited purpose described in the preceding paragraph and was not designed to identify all deficiencies in internal control that might be material weaknesses or significant deficiencies and, therefore, material weaknesses or significant deficiencies may exist that have not been identified. In addition, because of inherent limitations in internal control, including the possibility of management override of controls, misstatements due to error, or fraud may occur and not be detected by such controls. 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 over financial reporting, such that there is a reasonable possibility that a material misstatement of the City's basic financial statements will not be prevented, or detected and corrected, on a timely basis. A reasonable possibility exists when the likelihood of an event occurring is either reasonably possible or probable as defined as follows: Reasonably possible. The chance of the future event or events occurring is more than remote but less than likely. Probable. The future event or events are likely to occur. We did not identify any deficiencies in internal control that we consider to be material weaknesses. 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. Page 305 of 464 2 The accompanying memorandum also includes financial analysis provided as a basis for discussion. The matters discussed herein were considered by us during our audit and they do not modify the opinion expressed in our Independent Auditor's Report dated May 13, 2024, on such statements. The purpose of this communication, which is an integral part of our audit, is to describe for the Members of the City Council and management and others within the City and state oversight agencies the scope of our testing of internal control and the results of that testing. Accordingly, this communication is not intended to be and should not be used for any other purpose. Minneapolis, Minnesota May 13, 2024 Page 306 of 464 3 City of Elk River Required Communication We have audited the basic financial statements of the governmental activities, business-type activities, the aggregate discretely presented component unit, each major fund, and the aggregate remaining fund information of the City as of and for the year ended December 31, 2023. Professional standards require that we advise you of the following matters related to our audit. Our Responsibility in Relation to the Financial Statement Audit As communicated in our engagement letter, our responsibility, as described by professional standards, is to form and express opinions about whether the basic financial statements prepared by management with your oversight are presented fairly, in all material respects, in accordance with accounting principles generally accepted in the United States of America. Our audit of the basic financial statements does not relieve you or management of its respective responsibilities. Our responsibility, as prescribed by professional standards, is to plan and perform our audit to obtain reasonable, rather than absolute, assurance about whether the basic financial statements are free of material misstatement. An audit of the basic financial statements includes consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the City's internal control over financial reporting. Accordingly, as part of our audit, we considered the internal control of the City solely for the purpose of determining our audit procedures and not to provide any assurance concerning such internal control. We are also responsible for communicating significant matters related to the audit that are, in our professional judgement, relevant to your responsibilities in overseeing the financial reporting process. However, we are not required to design procedures for the purpose of identifying other matters to communicate to you. Generally accepted accounting principles provide for certain Required Supplementary Information (RSI) to supplement the basic financial statements. Our responsibility with respect to the RSI, which supplements the basic financial statements, is to apply certain limited procedures in accordance with generally accepted auditing standards. However, the RSI was not audited and, because the limited procedures do not provide us with sufficient evidence to express an opinion or provide any assurance, we do not express an opinion or provide any assurance on the RSI. Our responsibility for the supplementary information accompanying the basic financial statements, as described by professional standards, is to evaluate the presentation of the supplementary information in relation to the basic financial statements as a whole and to report on whether the supplementary information is fairly stated, in all material respects, in relation to the basic financial statements as a whole. Our responsibility with respect to the other information in documents containing the audited basic financial statements and auditor's report does not extend beyond the basic financial information identified in the report. We have no responsibility for determining whether this other information is properly stated. This other information was not audited, and we do not express an opinion or provide any assurance on it. Page 307 of 464 4 City of Elk River Required Communication Our Responsibility in Relation to Government Auditing Standards As communicated in our engagement letter, part of obtaining reasonable assurance about whether the basic financial statements are free of material misstatement, we performed tests of the City's compliance with certain provisions of laws, regulations, contracts, and grant agreements, noncompliance with which could have a direct and material effect on the determination of basic financial statement amounts. However, the objective of our tests was not to provide an opinion on compliance with such provisions. Planned Scope and Timing of the Audit We conducted our audit consistent with the planned scope and timing we previously communicated to you. Compliance with All Ethics Requirements Regarding Independence The engagement team, others in our firm, as appropriate, our firm, and our network firms have complied with all relevant ethical requirements regarding independence. Significant Risks Identified We have identified the following significant risks of material misstatement: Management Override of Controls – Management override of internal control is considered a risk in substantially all engagements as management may be incentivized to produce better results. Misappropriation of Assets – If duties cannot be appropriately segregated, there is a risk of unauthorized disbursements being made by the City. In addition, generally this results in less review taking place as transactions are recorded in the financial statements. Improper Revenue Recognition – Revenue recognition is considered a fraud risk on substantially all engagements as it generally has a significant impact on the results of the government's operations. In addition, complexities exist surrounding the calculation and recording of various revenue sources. Pension Valuation – Net Pension Liability, Deferred Outflows of Resources Related to Pensions, and Deferred Inflows of Resources Related to Pensions are generally material to the financial statements and involve significant estimates. Qualitative Aspects of the City's Significant Accounting Practices Significant Accounting Policies Management has the responsibility to select and use appropriate accounting policies. A summary of the significant accounting policies adopted by the City is included in the notes to the basic financial statements. There have been no initial selection of accounting policies and no changes to significant accounting policies or their application during 2023. No matters have come to our attention that would require us, under professional standards, to inform you about (1) the methods used to account for significant unusual transactions and (2) the effect of significant accounting policies in controversial or emerging areas for which there is a lack of authoritative guidance or consensus. Significant Accounting Estimates Accounting estimates are an integral part of the basic financial statements prepared by management and are based on management's current judgements. Those judgements are normally based on 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 basic financial statements and because of the possibility that future events affecting them may differ markedly from management's current judgements. Page 308 of 464 5 City of Elk River Required Communication Qualitative Aspects of Significant Accounting Practices (Continued) Significant Accounting Estimates (Continued) The most sensitive estimate affecting the basic financial statements relate to: Net Pension Liability, Deferred Outflows of Resources Related to Pensions and Deferred Inflows of Resources Related to Pensions – These balances are based on an allocation by the pension plans using estimates based on contributions. We evaluated the key factors and assumptions used to develop the accounting estimates and determined that they are reasonable in relation to the basic financial statements taken as a whole and in relation to the applicable opinion units. Financial Statement Disclosures Certain basic financial statement disclosures involve significant judgment and are particularly sensitive because of their significance to financial statement users. The basic financial statement disclosures are neutral, consistent, and clear. Significant Difficulties Encountered during the Audit We encountered no significant difficulties in dealing with management relating to the performance of the audit. Uncorrected and Corrected Misstatements For the purposes of this communication, professional standards require us to accumulate all known and likely misstatements identified during the audit, other than those that we believe are trivial, and communicate them to the appropriate level of management. Further, professional standards require us to also communicate the effects of uncorrected misstatements related to prior periods on the relevant classes of transactions, account balances or disclosures, and the basic financial statements taken as a whole and each applicable opinion unit. Management did not identify, and we did not notify them of any uncorrected financial statement misstatements. In addition, professional standards require us to communicate to you all material, corrected misstatements that were brought to the attention of management as a result of our audit procedures. None of the misstatements detected as a result of audit procedures and corrected by management were material, either individually or in the aggregate, to the basic financial statements taken as a whole. Disagreements with Management For purposes of this letter, professional standards define a disagreement with management as a matter, whether or not resolved to our satisfaction, concerning a financial accounting, reporting, or auditing matter, which could be significant to the City's basic financial statements or the auditor's report. No such disagreements arose during the course of our audit. Representations Requested from Management We have requested certain written representations from management, which are included in the management representation letter. Page 309 of 464 6 City of Elk River Required Communication Management's Consultations with Other Accountants In some cases, management may decide to consult with other accountants about auditing and accounting matters. Management has informed us that, and to our knowledge, there were no consultations with other accountants regarding auditing and accounting matters. Other Significant Matters, Findings, or Issues In the normal course of our professional association with the City, we generally discuss a variety of matters, including the application of accounting principles and auditing standards, significant events or transactions that occurred during the year, operating and regulatory conditions affecting the City, and operational plans and strategies that may affect the risks of material misstatement. None of the matters discussed resulted in a condition to our retention as the City's auditor. Other Information Included in Annual Reports Pursuant to professional standards, our responsibility as auditors for other information, whether financial or nonfinancial, included in the City's annual reports, does not extend beyond the information identified in the audit report, and we are not required to perform any procedures to corroborate such other information. We applied certain limited procedures to the RSI 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. With respect to the supplementary information accompanying the financial statements, 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 basic financial statements or to the basic financial statements themselves. We were not engaged to report on the other information accompanying the basic financial statements but are not RSI. Such information has not been subjected to the auditing procedures applied in the audit of the basic financial statements, and accordingly, we do not express an opinion or provide any assurance on it. Our responsibility also includes communicating to you any information which we believe is a material misstatement of fact. Nothing came to our attention that caused us to believe that such information, or its manner of presentation, is materially inconsistent with the information, or manner of its presentation, appearing in the basic financial statements. Page 310 of 464 7 City of Elk River Financial Analysis The following pages provide graphic representations of select data pertaining to the financial position and operations of the City for the past five years. Our analysis of each graph is presented to provide a basis for discussion of past performance and how implementing certain changes may enhance future performance. We suggest you view each graph and document if our analysis is consistent with yours. A subsequent discussion of this information should be useful for planning purposes. General Fund – Fund Balance The following graph illustrates the relationship between cash and investments and fund balance over the past five years. At December 31, 2023, the General Fund balance consisted of an unrestricted fund balance of $9,323,318. The total unrestricted fund balance represented just over five and a half months of expenditures at current levels. The Office of the State Auditor has issued a statement of position recommending cities maintain an unrestricted fund balance of approximately 35% to 50% of fund operating revenues, or no less than five months of operating expenditures. The City's fund balance policy for the General Fund identifies a minimum unassigned fund balance of 40-45% of budgeted operating expenditures. Based on the 2024 budgeted expenditures of $21,570,600, the City's unassigned General Fund balance was at 43% at December 31, 2023. $7,871,458 $8,250,728 $8,750,629 $8,888,888 $9,323,318 $7,511,623 $8,015,854 $8,716,326 $9,307,918 $9,243,274 $- $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000 $11,000,000 $12,000,000 $13,000,000 $14,000,000 $15,000,000 2019 2020 2021 2022 2023 Cash and Investments and Fund Balance Fund Balance Cash and Investment Balance On the following pages, we will discuss the revenues and expenditures of the General Fund and the variations in the fund balance. Page 311 of 464 8 City of Elk River Financial Analysis General Fund – Revenues and Expenditures The following table and graph show the overall operations of the General Fund. Revenues have increased over each of the five years shown from a low of $14,379,312 in 2019 to a high in 2023 of $17,488,036. Overall, from 2019 to 2023, revenues have increased $3,108,724, or 21.6%. Revenues increased by $1,070,365 when comparing 2023 to 2022. Similarly, expenditures have increased over each of the five years presented. In 2023, expenditures were $19,782,106, an increase from the prior year of $1,118,325. Since 2019, expenditures have increased $4,291,603, or 27.7%. $14,379,312 $14,656,694 $15,633,492 $16,417,671 $17,488,036 $15,490,503 $15,614,681 $16,829,600 $18,663,781 $19,782,106 $0 $5,000,000 $10,000,000 $15,000,000 $20,000,000 $25,000,000 2019 2020 2021 2022 2023 Revenues and Expenditures Total Revenues Total Expenditures Page 312 of 464 9 City of Elk River Financial Analysis General Fund – Revenues The following graph presents comparisons of revenues by type, illustrating the majority of revenue for the City is from taxes, representing 79.7% of total General Fund revenues. Other revenues include items such as fines and forfeitures, investment earnings, and other miscellaneous items. Revenues of the General Fund increased from 2022 to 2023 by $1,070,365, or 6.5%. Tax revenue had the largest increase of $751,231 based on the increase in taxes levied for the fund. The other revenue category increased $149,299 related to increases in investment income, fines and forfeitures, and other miscellaneous revenues. Other category sources of revenue had relatively minor fluctuations when compared to the prior year. 2019 2020 2021 2022 2023 Charges for Services $944,297 $820,666 $1,077,855 $1,164,410 $1,247,308 Other 663,548 369,125 426,864 466,605 615,904 Licenses and Permits 822,899 665,519 1,015,529 939,133 976,260 Intergovernmental 618,488 674,061 581,927 657,107 706,917 Taxes 11,330,080 12,127,323 12,531,317 13,190,416 13,941,647 $- $2,000,000 $4,000,000 $6,000,000 $8,000,000 $10,000,000 $12,000,000 $14,000,000 $16,000,000 $18,000,000 General Fund Revenues Page 313 of 464 10 City of Elk River Financial Analysis General Fund – Expenditures The graph below represents the breakdown of expenditures by department. Public safety continues to comprise the largest portion of General Fund expenditures, representing 49.0%. Overall, General Fund expenditures increased $1,118,325, or 6.0%, from 2022. Public safety expenditures increased $657,937 with higher salaries and benefits along with additional costs for equipment and supply needs. General government expenditures increased $445,081 with increased wages for employees and greater professional service expenditures. Public works expenditures increased $150,322 with higher salaries and benefits along with additional costs for supplies and equipment repair and maintenance. 2019 2020 2021 2022 2023 Capital Outlay -37,718 257,243 3,830 Debt Service ---106,845 110,257 Culture and Recreation 2,107,192 1,941,732 2,015,790 2,398,314 2,432,803 Public Works 2,103,742 2,132,913 2,328,853 2,399,494 2,630,313 General Government 3,857,489 4,036,523 4,173,627 4,463,622 4,908,703 Public Safety 7,422,080 7,503,513 8,273,612 9,038,263 9,696,200 $- $5,000,000 $10,000,000 $15,000,000 $20,000,000 $25,000,000 General Fund Expenditures Page 314 of 464 11 City of Elk River Financial Analysis General Fund – Budgetary Comparison Actual Amounts Revenues Property taxes $13,893,000 $13,785,282 (107,718)$ Other taxes 225,000 156,365 (68,635) Licenses and permits 1,004,300 976,260 (28,040) Intergovernmental 634,000 706,917 72,917 Charges for services 1,163,700 1,247,308 83,608 Fines and forfeitures 130,000 169,910 39,910 Miscellaneous revenues 275,000 445,994 170,994 Total revenues 17,325,000 17,488,036 163,036 Expenditures General government 4,907,100 4,908,703 1,603 Public safety 9,857,300 9,696,200 (161,100) Public works 2,622,500 2,549,816 (72,684) Culture and recreation 2,666,600 2,432,803 (233,797) Economic development - 80,497 80,497 Debt service - 110,257 110,257 Capital outlay - 3,830 3,830 Total expenditures 20,053,500 19,782,106 (271,394) Excess of revenues over (under) disbursements (2,728,500) (2,294,070) 434,430 Other Financing Sources (Uses) Net transfers 2,728,500 2,728,500 - Net change in fund balances -$ 434,430$ 434,430$ Variance With Final Budget - Over (Under) Original and Final Budget The City had a balanced budget in 2023 with anticipated revenues and net transfers equaling budgeted expenditures of $20,053,500. Overall, actual revenue was $163,036, or 0.9%, over budget. The miscellaneous revenues category was $170,994 over budget due in large part to investment income coming in higher than budgeted. All other revenue categories were relatively consistent with the budget. Overall, actual expenditures were less than budgeted amounts by $271,394, or 1.4%. The primary driver of the expenditures being under budget related to the culture and recreation expenditures, which were $233,797 under budget based on lesser wages and repair and maintenance costs than anticipated. Public safety was $161,100 under budget based on personnel costs and less repair and maintenance expenditures than anticipated. The debt service category had actual expenditure amounts in 2023 as the result of the required implementation of GASB Statement No. 87, which changed the accounting for leases, which were not included separately as part of the budget. Page 315 of 464 12 City of Elk River Financial Analysis Multipurpose Facility Operations The following graph illustrates the current operations of the Multipurpose Facility Fund for the past three years. In 2023, the Fund showed revenues of $1,546,616, which was a decrease of $308,354 compared to 2022 as less federal funding from the American Rescue Plan Act was received in the Fund. The decrease in federal funding was partially offset by increases in revenues from ice rental and recreation fees along with greater revenue from concessions. Expenditures increased by $426,900 during 2023 with increased equipment purchases along with higher wages, supply costs, contractual services, and merchandise costs. The Fund entered into an interfund loan with the Capital Outlay Reserve Fund in 2023 for $200,000 relating to the purchase of a Zamboni. The effect of decreased revenues and increased expenditures in 2023, along with $30,000 in other financing sources, resulted in a decrease in fund balance of $441,624. The fund balance at the end of 2023 was ($207,655). 2021 2022 2023 Revenue $1,058,645 $1,854,970 $1,546,616 Expenditures 1,312,075 1,591,340 2,018,240 Revenues over (under) Expenditures ($253,430) $263,630 ($471,624) Other Financing Sources (Uses)-38,77230,000 Fund Balance (68,433) 233,969 (207,655) (500,000) (300,000) (100,000) 100,000 300,000 500,000 700,000 900,000 $(1,000,000) $(500,000) $- $500,000 $1,000,000 $1,500,000 $2,000,000 $2,500,000 Multipurpose Facility Fund Page 316 of 464 13 City of Elk River Financial Analysis Enterprise funds may be used to account for any activity in which a fee is charged. It is not required to have the fee support the entire activity; however, the basic premise in establishing an enterprise fund is that the activity will be operated similar to a business. Therefore, it is expected the enterprise fund would at least be able to meet its obligations currently and into the future. Sewer Operations The following graph illustrates the current operations of the Sewer Fund for the past five years. Operating income is shown with and without depreciation below. Operating revenue increased $140,345, or 5.3%, from 2022 with increased rates and increased usage. Operating expenses increased by $234,847, or 6.4%, due in large part to supply and equipment needs along with greater depreciation expense. The net effect of the increased revenues and expenses is an operating loss of $1,112,563 for the year. When not including depreciation and amortization of capital assets in the calculation, the Sewer Fund had an operating income of $598,378. 2019 2020 2021 2022 2023 Operating Revenues $2,383,196 $2,481,522 $2,517,025 $2,633,732 $2,774,077 Operating Expenses 3,305,817 3,344,218 3,417,504 3,651,793 3,886,640 Operating Income without Depreciation/Amortization 721,838 773,717 739,615 623,383 598,378 Operating Loss (922,621)(862,696)(900,479)(1,018,061)(1,112,563) $(2,000,000) $(1,000,000) $- $1,000,000 $2,000,000 $3,000,000 $4,000,000 Sewer Operations Page 317 of 464 14 City of Elk River Financial Analysis Sewer Fund 2019 2020 2021 2022 2023 Cash and Investments $5,245,861 $13,476,183 $14,540,459 $8,078,281 $8,853,336 Unrestricted Net Position 5,261,879 6,602,622 7,726,366 8,305,312 9,039,420 $- $2,000,000 $4,000,000 $6,000,000 $8,000,000 $10,000,000 $12,000,000 $14,000,000 $16,000,000 Sewer Fund The above graph shows the cash and investment and unrestricted net position balances as of December 31 for the last five years. The Sewer Fund cash and investment balance has increased $3,607,475 since 2019. The cash and investment balance increased $775,055 during 2023 while the unrestricted net position for the Sewer Fund increased $734,108 during the same time period. Page 318 of 464 15 City of Elk River Financial Analysis Garbage Operations The following graph illustrates the current operations of the Garbage Fund for the past five years. The Garbage Fund has shown an operating income in each of the last five years presented. In 2023, the Fund showed an operating income of $217,705. This is a slight decrease in operating income of $1,088 from 2022. The Fund experienced an increase in operating revenue of $31,269 based on rates and usage for the year, while garbage operating expenses increased $32,357 due to increased contractual service expenses based on garbage customer charges. 2019 2020 2021 2022 2023 Operating Revenues $1,645,115 $1,686,664 $1,773,620 $1,889,247 $1,920,516 Operating Expenses 1,456,482 1,565,482 1,623,785 1,670,454 1,702,811 Operating Income without Depreciation 188,633 121,182 149,835 218,793 217,705 Operating Income (Loss)188,633 121,182 149,835 218,793 217,705 $0 $200,000 $400,000 $600,000 $800,000 $1,000,000 $1,200,000 $1,400,000 $1,600,000 $1,800,000 $2,000,000 Garbage Operations Page 319 of 464 16 City of Elk River Financial Analysis Garbage Fund 2019 2020 2021 2022 2023 Cash and Investments $343,379 $442,825 $528,325 $610,952 $802,786 Unrestricted Net Position 348,539 438,738 531,665 620,506 812,632 $- $100,000 $200,000 $300,000 $400,000 $500,000 $600,000 $700,000 $800,000 $900,000 Garbage Fund The graph above shows the cash and investment and unrestricted net position balances as of December 31 for the last five years. The Garbage Fund cash and investment balance has increased $459,407 since 2019. In 2023, the Garbage Fund cash and investment balance increased $191,834 while the unrestricted net position increased $192,126 based on positive operations during the year. Both balances for cash and investments and unrestricted net position were the highest in 2023 of the five years presented. Page 320 of 464 17 City of Elk River Financial Analysis Storm Water Operations The following graph illustrates the current operations of the Storm Water Fund for the past five years. Operating revenue increased $296,790 in 2023 while expenses increased $317,549 due in large part to grant funding received and related expenses related to an erosion prevention project. The net effect of the changes in revenues and expenses is an operating loss of $75,078. The Fund had operating income of $419,715 when excluding depreciation. 2019 2020 2021 2022 2023 Operating Revenues $510,889 $564,699 $586,049 $609,101 $905,891 Operating Expenses 1,024,928 571,170 612,527 663,420 980,969 Operating Income without Depreciation/Amortization (56,562)456,587 440,918 424,183 419,715 Operating Loss (514,039)(6,471)(26,478)(54,319)(75,078) $(600,000) $(400,000) $(200,000) $- $200,000 $400,000 $600,000 $800,000 $1,000,000 $1,200,000 Storm Water Operations Page 321 of 464 18 City of Elk River Financial Analysis Storm Water Fund 2019 2020 2021 2022 2023 Cash and Investments $730,463 $1,179,754 $1,433,529 $1,548,347 $1,921,645 Unrestricted Net Position 691,640 1,181,615 1,488,809 1,586,357 1,956,658 $- $200,000 $400,000 $600,000 $800,000 $1,000,000 $1,200,000 $1,400,000 $1,600,000 $1,800,000 $2,000,000 Storm Water Fund As of December 31, 2023, the Storm Water Fund had an ending net cash and investment balance of $1,921,645. This is an increase of $373,298 compared to 2022. Unrestricted net position at year-end was $1,956,658 and also increased $370,301 compared to the prior year, the highest mark of the five-year period. Page 322 of 464 19 City of Elk River Financial Analysis Municipal Liquor Operations The following graph illustrates the current operations of the Municipal Liquor Fund for the past five years. Sales decreased $552,843 in 2023 while cost of sales also decreased $428,842, ending with a decrease in gross profit of 5.3%. The net effect of the decreases in revenues and expenses is operating income of $637,163, a decrease of $109,568 compared to 2022. 2019 2020 2021 2022 2023 Gross Profit $2,215,089 $2,245,745 $2,379,769 $2,335,534 $2,211,533 Operating Expenses 1,372,517 1,440,451 1,448,717 1,593,173 1,579,063 Operating Income without Depreciation/Amortization 968,662 904,042 1,031,887 840,546 699,193 Operating Income 845,376 808,044 936,948 746,731 637,163 $- $500,000 $1,000,000 $1,500,000 $2,000,000 $2,500,000 Municipal Liquor Operations Page 323 of 464 20 City of Elk River Financial Analysis Municipal Liquor Fund 2019 2020 2021 2022 2023 Cash and Investments $4,649,254 $5,023,743 $4,713,463 $3,978,266 $3,526,983 Unrestricted Net Position 4,732,801 5,111,153 5,005,721 4,334,085 3,930,205 $- $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 Municipal Liquor Fund As of December 31, 2023, the Municipal Liquor Fund had an ending net cash and investment balance of $3,526,983. This is a decrease of $451,283 compared to 2022. Unrestricted net position at year- end was $3,930,205, a decrease of $403,880 compared to the prior year. Both balances decreased as transfers out of $1.25 million were made out of the Municipal Liquor Fund for 2023. Unrestricted net position has decreased by $802,596, or 17.0%, over the last five years when comparing 2023 to 2019. Page 324 of 464 21 City of Elk River Financial Analysis Governmental Activities The chart below presents the minimum annual principal payments required to retire long-term liabilities. 2024 2025 2026 2027 2028 2029-2033 2034-2038 2039-2043 2044 YMCA $575,000 $590,000 $605,000 $615,000 $630,000 $3,470,000 $0 $-$- Sales Tax 935,000 1,000,000 1,030,000 1,080,000 1,135,000 6,450,000 7,550,000 8,580,000 1,865,000 Govt Bldgs 895,000 940,000 985,000 1,025,000 1,075,000 5,615,000 3,580,000 3,085,000 - $- $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 Debt Service Funds -Maturities Page 325 of 464 City of Elk River Emerging Issues 22 Executive Summary The following is an executive summary of financial related updates to assist you in staying current on emerging issues in accounting and finance. This summary will give you a preview of the new standards that have been recently issued and what is on the horizon for the near future. The most recent and significant updates include: Implementation Guide No. 2021-1 – Amending Capitalization Requirements GASB has issued Implementation Guide No. 2021-1, amending previously issued guidance regarding capitalization requirements for capital assets that are significant in the aggregate but below the government's capitalization threshold individually. Accounting Standard Update – GASB Statement No. 100 – Accounting Changes and Error Corrections GASB has issued GASB Statement No. 100 relating to accounting and financial reporting for accounting changes and error corrections. The requirements of this Statement will improve the clarity of the accounting and financial reporting requirements for accounting changes and error corrections, which will result in greater consistency in application in practice. In turn, more understandable, reliable, relevant, consistent, and comparable information will be provided to financial statement users for making decisions or assessing accountability. Accounting Standard Update – GASB Statement No. 101 – Compensated Absences GASB has issued GASB Statement No. 101 relating to accounting and financial reporting for compensated absences. The unified recognition and measurement model in this Statement will result in a liability for compensated absences that more appropriately reflects when a government incurs an obligation. In addition, the model can be applied consistently to any type of compensated absence and will eliminate potential comparability issues between governments that offer different types of leave. The following are extensive summaries of the current updates. As your continued business partner, we are committed to keeping you informed of new and emerging issues. We are happy to discuss these issues with you further and their applicability to your City. Implementation Guide No. 2021-1 – Amending Capitalization Requirements Implementation Guide No. 2021-1, amended previously issued guidance contained in Implementation Guide No. 2015-1 regarding capitalization requirements for capital assets that are significant in the aggregate. Original guidance stated that it may be appropriate for a government to establish a capitalization policy that would require capitalization for certain types of assts with individual acquisition costs that are less than the threshold for an individual asset. Amended guidance states that a government should capitalize assets whose individual acquisition costs are less than the threshold for an individual asset if those assets in the aggregate are significant. Computers and classroom furniture are common examples of asset types that could be significant collectively. The amended guidance clarifies that if 100 computers costing $1,500 each totaling a $150,000 aggregate amount is significant, the government should capitalize the computers. Information provided above was obtained from www.gasb.org. Page 326 of 464 City of Elk River Emerging Issues 23 Accounting Standard Update – GASB Statement No. 100 – Accounting Changes and Error Corrections – an Amendment of GASB Statement No. 62 The primary objective of this Statement is to enhance accounting and financial reporting requirements for accounting changes and error corrections to provide more understandable, reliable, relevant, consistent, and comparable information for making decisions or assessing accountability. This Statement defines accounting changes as changes in accounting principles, changes in accounting estimates, and changes to or within the financial reporting entity and describes the transactions or other events that constitute those changes. As part of those descriptions, for (1) certain changes in accounting principles and (2) certain changes in accounting estimates that result from a change in measurement methodology, a new principle or methodology should be justified on the basis that it is preferable to the principle or methodology used before the change. That preferability should be based on the qualitative characteristics of financial reporting – understandability, reliability, relevance, timeliness, consistency, and comparability. This Statement also addresses corrections of errors in previously issued financial statements. This Statement prescribes the accounting and financial reporting for (1) each type of accounting change and (2) error corrections. This Statement requires that (a) changes in accounting principles and error corrections be reported retroactively by restating prior periods, (b) changes to or within the financial reporting entity be reported by adjusting beginning balances of the current period, and (c) changes in accounting estimates be reported prospectively by recognizing the change in the current period. The requirements of this Statement for changes in accounting principles apply to the implementation of a new pronouncement in absence of specific transition provisions in the new pronouncement. This Statement also requires that the aggregate amount of adjustments to and restatements of beginning net position, fund balance, or fund net position, as applicable, be displayed by reporting unit in the financial statements. This Statement requires disclosure in notes to financial statements of descriptive information about accounting changes and error corrections, such as their nature. In addition, information about the quantitative effects on beginning balances of each accounting change and error correction should be disclosed by reporting unit in a tabular format to reconcile beginning balances as previously reported to beginning balances as restated. Furthermore, this Statement addresses how information that is affected by a change in accounting principle or error correction should be presented in Required Supplementary Information (RSI) and Supplementary Information (SI). For periods that are earlier than those included in the basic financial statements, information presented in RSI or SI should be restated for error corrections, if practicable, but not for changes in accounting principles. GASB Statement No. 100 is effective for reporting periods beginning after June 15, 2023. Earlier application is encouraged. Information provided above was obtained from www.gasb.org. Page 327 of 464 City of Elk River Emerging Issues 24 Accounting Standard Update – GASB Statement No. 101 – Compensated Absences The objective of this Statement is to better meet the information needs of financial statement users by updating the recognition and measurement guidance for compensated absences. That objective is achieved by aligning the recognition and measurement guidance under a unified model and by amending certain previously required disclosures. This Statement requires that liabilities for compensated absences be recognized for (1) leave that has not been used and (2) leave that has been used but not yet paid in cash or settled through noncash means. A liability should be recognized for leave that has not been used if (a) the leave is attributable to services already rendered, (b) the leave accumulates, and (c) the leave is more likely than not to be used for time off or otherwise paid in cash or settled through noncash means. Leave is attributable to services already rendered when an employee has performed the services required to earn the leave. Leave that accumulates is carried forward from the reporting period in which it is earned to a future reporting period during which it may be used for time off or otherwise paid or settled. In estimating the leave that is more likely than not to be used or otherwise paid or settled, a government should consider relevant factors such as employment policies related to compensated absences and historical information about the use or payment of compensated absences. However, leave that is more likely than not to be settled through conversion to defined benefit postemployment benefits should not be included in a liability for compensated absences. This Statement requires that a liability for certain types of compensated absences – including parental leave, military leave, and jury duty leave – not be recognized until the leave commences. This Statement also requires that a liability for specific types of compensated absences not be recognized until the leave is used. This Statement also establishes guidance for measuring a liability for leave that has not been used, generally using an employee's pay rate as of the date of the financial statements. A liability for leave that has been used but not yet paid or settled should be measured at the amount of the cash payment or noncash settlement to be made. Certain salary-related payments that are directly and incrementally associated with payments for leave also should be included in the measurement of the liabilities. With respect to financial statements prepared using the current financial resources measurement focus, this Statement requires that expenditures be recognized for the amount that normally would be liquidated with expendable available financial resources. This Statement amends the existing requirement to disclose the gross increases and decreases in a liability for compensated absences to allow governments to disclose only the net change in the liability (as long as they identify it as a net change). In addition, governments are no longer required to disclose which governmental funds typically have been used to liquidate the liability for compensated absences. GASB Statement No. 101 is effective for reporting periods beginning after December 15, 2023. Earlier application is encouraged. Information provided above was obtained from www.gasb.org. Page 328 of 464 City of Elk River Sherburne County, Minnesota Reports on Compliance with Government Auditing Standards, Uniform Guidance, and Legal Compliance December 31, 2023 Page 329 of 464 City of Elk River Table of Contents Schedule of Expenditures of Federal Awards 1 Notes to Schedule of Expenditures of Federal Awards 2 Report on Internal Control over Financial Reporting and on Compliance and Other Matters Based on an Audit of Financial Statements Performed in Accordance with Government Auditing Standards 3 Report on Compliance for each Major Federal Program and Report on Internal Control over Compliance in Accordance with the Uniform Guidance 5 Schedule of Findings and Questioned Costs 8 Minnesota Legal Compliance 10 Page 330 of 464 See notes to schedule of expenditures and federal awards. 1 Federal Expenditures U.S. Department of the Interior Passed through the State of Minnesota Historic Preservation Fund Grants 15.904 460$ Outdoor Recreation Acquisition, Development and Planning 15.916 25,000 Total U.S. Department of the Interior 25,460 U.S. Department of Transportation Passed through Minnesota Department of Transportation State and Community Highway Safety 20.600 14,929 Minimum Penalties for Repeat Offenders for Driving While Intoxicated 20.608 24,894 National Priority Safety Programs 20.616 2,921 Total U.S. Department of Transportation 42,744 U.S. Department of Treasury Passed through the State of Minnesota Coronavirus Relief Fund - America Rescue Plan 21.027 729,161 Total Federal Expenditures 797,365$ Federal Agency/Pass Through Agency/Program Title City of Elk River Schedule of Expenditures of Federal Awards Year Ended December 31, 2023 Federal Assistance Listing Number Page 331 of 464 2 City of Elk River Notes to Schedule of Expenditures of Federal Awards NOTE 1 – BASIS OF PRESENTATION The accompanying Schedule of Expenditures of Federal Awards (the "Schedule") includes the federal award activity of the City under programs of the federal government for the year-ended December 31, 2023. The information in this Schedule is presented in accordance with the requirements of Title 2 U.S. Code of Federal Regulations Part 200, Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards (Uniform Guidance). Because the Schedule presents only a selected portion of the operations of the City, it is not intended to and does not present the financial position, changes in net position, or cash flows of the City. NOTE 2 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Expenditures reported on the Schedule are reported on the modified accrual basis of accounting. Such expenditures are recognized following the cost principles contained in the Uniform Guidance, wherein certain types of expenditures are not allowable or are limited as to reimbursement. NOTE 3 – PASS-THROUGH GRANT NUMBERS All pass-through entities listed above use the same Assistance Listing numbers as the federal grantors to identify these grants and have not assigned any additional identifying numbers. NOTE 4 – INDIRECT COST RATE The City did not elect to use the 10 percent de minimis indirect cost rate, as allowed under the Uniform Guidance. Page 332 of 464 3 Report on Internal Control over Financial Reporting and on Compliance and Other Matters Based on an Audit of Financial Statements Performed in Accordance with Government Auditing Standards Independent Auditor's Report Honorable Mayor and Members of the City Council City of Elk River Elk River, Minnesota We have audited, in accordance with auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in Government Auditing Standards issued by the Comptroller General of the United States, the financial statements of the governmental activities, the business-type activities, the discretely presented component units, each major fund, and the aggregate remaining fund information of the City of Elk River, Minnesota as of and for the year ended December 31, 2023, and the related notes to financial statements, which collectively comprise the City's basic financial statements, and have issued our report thereon dated May 13, 2024. Report on Internal Control over Financial Reporting In planning and performing our audit of the financial statements, we considered the City's internal control over financial reporting (internal control) as a basis for designing 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 City's internal control. Accordingly, we do not express an opinion on the effectiveness of the City's 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 City'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. Page 333 of 464 4 Report on Compliance and Other Matters As part of obtaining reasonable assurance about whether the City's financial statements are free from material misstatement, we performed tests of its compliance with certain provisions of laws, regulations, contracts, and grant agreements, noncompliance with which could have a direct and material effect on the financial statements. However, providing an opinion on compliance with those provisions was not an objective of our audit, and accordingly, we do not express such an opinion. The results of our tests disclosed no instances of noncompliance or other matters that are required to be reported under Government Auditing Standards. Purpose of this Report The purpose of this report is solely to describe the scope of our testing of internal control and compliance and the result of that testing, and not to provide an opinion on the effectiveness of the City's internal control or on compliance. This report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the City's internal control and compliance. Accordingly, this communication is not suitable for any other purpose. Minneapolis, Minnesota May 13, 2024 Page 334 of 464 5 Report on Compliance for each Major Federal Program and Report on Internal Control over Compliance in Accordance with the Uniform Guidance Independent Auditor's Report Honorable Mayor and Members of the City Council City of Elk River Elk River, Minnesota Report on Compliance for Each Major Federal Program Opinion on Each Major Federal Program We have audited the City's compliance with the types of compliance requirements identified as subject to audit in the OMB Compliance Supplement that could have a direct and material effect on the City's major federal program for the year ended December 31, 2023. The City's major federal program is identified in the summary of auditor's results section of the accompanying Schedule of Findings and Questioned Costs. In our opinion, the City complied in all material respects, with the compliance requirements referred to above that could have a direct and material effect on its major federal program for the year ended December 31, 2023. Basis for Opinion on Each Major Federal Program We conducted our audit of compliance in accordance with auditing standards generally accepted in the United States of America (GAAS); the standards applicable to financial audits contained in Government Auditing Standards issued by the Comptroller General of the United States (Government Auditing Standards); and the audit requirements of Title 2 U.S. Code of Federal Regulations Part 200, Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards (Uniform Guidance). Our responsibilities under those standards and the Uniform Guidance are further described in the Auditor's Responsibilities for the Audit of Compliance section of our report. We are required to be independent of the City and to meet our other ethical responsibilities, in accordance with relevant ethical requirements relating to our audit. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion on compliance for each major federal program. Our audit does not provide a legal determination of the City's compliance with the compliance requirements referred to above. Responsibilities of Management for Compliance Management is responsible for compliance with the requirements referred to above and for the design, implementation, and maintenance of effective internal control over compliance with the requirements of laws, statutes, regulations, rules, and provisions of contracts or grant agreements applicable to the City's federal programs. Page 335 of 464 6 Auditor's Responsibilities for the Audit of Compliance Our objectives are to obtain reasonable assurance about whether material noncompliance with the compliance requirements referred to above occurred, whether due to fraud or error, and express an opinion on the City's compliance based on our audit. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in accordance with GAAS, Government Auditing Standards, and the Uniform Guidance will always detect material noncompliance when it exists. The risk of not detecting material noncompliance resulting from fraud is higher than for that resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control. Noncompliance with the compliance requirements referred to above is considered material, if there is a substantial likelihood that, individually or in the aggregate, it would influence the judgment made by a reasonable user of the report on compliance about the City's compliance with the requirements of each major federal program as a whole. In performing an audit in accordance with GAAS, Government Auditing Standards, and the Uniform Guidance, we: Exercise professional judgment and maintain professional skepticism throughout the audit. Identify and assess the risks of material noncompliance, whether due to fraud or error, and design and perform audit procedures responsive to those risks. Such procedures include examining, on a test basis, evidence regarding the City's compliance with the compliance requirements referred to above and performing such other procedures as we considered necessary in the circumstances. Obtain an understanding of the City's internal control over compliance relevant to the audit in order to design audit procedures that are appropriate in the circumstances and to test and report on internal control over compliance in accordance with the Uniform Guidance, but not for the purpose of expressing an opinion on the effectiveness of the City's internal control over compliance. Accordingly, no such opinion is expressed. We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit and any significant deficiencies and material weaknesses in internal control over compliance that we identified during the audit. Report on Internal Control over Compliance A deficiency in internal control over compliance exists when the design or operation of a control over compliance does not allow management or employees, in the normal course of performing their assigned functions, to prevent, or detect and correct, noncompliance with a type of compliance requirement of a federal program on a timely basis. A material weakness in internal control over compliance is a deficiency, or combination of deficiencies, in internal control over compliance, such that there is a reasonable possibility that material noncompliance with a type of compliance requirement of a federal program will not be prevented, or detected and corrected, on a timely basis. A significant deficiency in internal control over compliance is a deficiency, or a combination of deficiencies, in internal control over compliance with a type of compliance requirement of a federal program that is less severe than a material weakness in internal control over compliance, yet important enough to merit attention by those charged with governance. Our consideration of internal control over compliance was for the limited purpose described in Auditor's Responsibilities for the Audit of Compliance section and was not designed to identify all deficiencies in internal control over compliance that might be material weaknesses or significant deficiencies in internal control over compliance. Given these limitations, during our audit we did not identify any deficiencies in internal control over compliance that we consider to be material weaknesses, as defined above. However, material weaknesses or significant deficiencies in internal control over compliance may exist that were not identified. Page 336 of 464 7 Report on Internal Control over Compliance (Continued) Our audit was not designed for the purpose of expressing an opinion on the effectiveness of internal control over compliance. Accordingly, no such opinion is expressed. The purpose of this report on internal control over compliance is solely to describe the scope of our testing of internal control over compliance and the results of that testing based on the requirements of the Uniform Guidance. Accordingly, this report is not suitable for any other purpose. Report on Schedule of Expenditures of Federal Awards Required by the Uniform Guidance We have audited the financial statements of the governmental activities, the business-type activities, the discretely presented component units, each major fund, and the aggregate remaining fund information of the City of Elk River, Minnesota, as of and for the year ended December 31, 2023, and the related notes to financial statements which collectively comprise the City's basic financial statements. We issued our report thereon dated May 13, 2024, which contained unmodified opinions on those financial statements. Our audit was conducted for the purpose of forming opinions on the financial statements that collectively comprise the basic financial statements. The accompanying schedule of expenditures of federal awards is presented for purposes of additional analysis as required by the Uniform Guidance and is not a required part of the financial statements. Such information is the responsibility of management and was derived from and relates directly to the underlying accounting and other records used to prepare the financial statements. The information has been subjected to the auditing procedures applied in the audit of the financial statements and certain additional procedures, including comparing and reconciling such information directly to the underlying accounting and other records used to prepare the financial statements or to the financial statements themselves, and other additional procedures in accordance with auditing standards generally accepted in the United States of America. In our opinion, the Schedule of Expenditures of Federal Awards is fairly stated in all material respects in relation to the basic financial statements as a whole. Minneapolis, Minnesota May 13, 2024 Page 337 of 464 8 City of Elk River Schedule of Findings and Questioned Costs SECTION I – SUMMARY OF AUDITOR'S RESULTS Financial Statements Type of auditor's report issued: We issued an unmodified opinion on the fair presentation of the financial statements of the governmental activities, business-type activities, the discretely presented component units, each major fund, and the aggregate remaining fund information in accordance with accounting principles generally accepted in the United States of America (GAAP). Internal control over financial reporting: Material weakness(es) identified? No Significant deficiency(ies) identified? None reported Noncompliance material to financial statements noted? No Federal Awards Type of auditor's report issued on compliance for major programs: Unmodified Internal control over major programs: Material weakness(es) identified? No Significant deficiency(ies) identified? None reported Any audit findings disclosed that are required to be reported in accordance with 2 CFR 200.516(a)? No Identification of Major Programs Assistance Listing No.: 21.027 Name of Federal Program or Cluster: Coronavirus Relief Fund – America Rescue Plan Dollar threshold used to distinguish between type A and type B programs: $750,000 Auditee qualified as low risk auditee? No Page 338 of 464 9 City of Elk River Schedule of Findings and Questioned Costs SECTION II – FINANCIAL STATEMENT FINDINGS There were no financial statement findings. SECTION III – FEDERAL AWARD FINDINGS AND QUESTIONED COSTS There were no Federal award findings. There were no questioned costs. SECTION IV – PRIOR YEAR FINDINGS AND QUESTIONED COSTS None Page 339 of 464 10 Minnesota Legal Compliance Independent Auditor's Report Honorable Mayor and Members of the City Council City of Elk River Elk River, Minnesota We have audited, in accordance with auditing standards generally accepted in the United States of America, and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States, the financial statements of the governmental activities, the business-type activities, the discretely presented component units, each major fund, and the aggregate remaining fund information of the City of Elk River, Minnesota as of and for the year ended December 31, 2023, and the related notes to financial statements, which collectively comprise the City's basic financial statements, and have issued our report thereon dated May 13, 2024. In connection with our audit, nothing came to our attention that caused us to believe that the City failed to comply with the provisions of the contracting – bid laws, depositories of public funds and public investments, conflicts of interest, public indebtedness, claims and disbursements, miscellaneous provisions, and tax increment financing sections of the Minnesota Legal Compliance Audit Guide for Cities, promulgated by the State Auditor pursuant to Minnesota Statute § 6.65, insofar as they relate to accounting matters. 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 City's noncompliance with the above referenced provisions, insofar as they relate to accounting matters. The purpose of this report is solely to describe the scope of our testing of compliance and the results of that testing, and not to provide an opinion on compliance. Accordingly, this communication is not suitable for any other purpose. Minneapolis, Minnesota May 13, 2024 Page 340 of 464 City of Elk River Audit Presentation Page 341 of 464 Financial Communications Page 342 of 464 Independent Auditor’s Report “unmodified” or “clean” opinion. Independent Auditor’s Report in accordance with Government Auditing Standards – no significant deficiencies or material weaknesses in internal control reported Independent Auditor’s Report on Minnesota Legal Compliance – no compliance findings reported Independent Auditor’s Report on Compliance on each Major Federal Program and Report on Internal Control over Compliance required by the Uniform Guidance – no compliance findings or internal control findings reported Independent Auditor’s Report Page 343 of 464 The Audit Page 344 of 464 General Fund – Cash and Investments and Fund Balance Page 345 of 464 General Fund – Revenues and Expenditures Page 346 of 464 General Fund - Revenues Page 347 of 464 General Fund - Expenditures Page 348 of 464 General Fund – Budgetary Comparison Page 349 of 464 Sewer Operations Page 350 of 464 Sewer Fund Page 351 of 464 Garbage Operations Page 352 of 464 Garbage Fund Page 353 of 464 Storm Water Operations Page 354 of 464 Storm Water Fund Page 355 of 464 Municipal Liquor Operations Page 356 of 464 Municipal Liquor Fund Page 357 of 464 Debt Service Funds - Maturities Page 358 of 464 Auditor Page 359 of 464 Andrew Grice AUDIT SHAREHOLDER 952-563-6862 ANDY.GRICE@CREATIVEPLANNING.COM Page 360 of 464 Thank You Page 361 of 464 This commentary is provided for general information purposes only, should not be construed as investment, tax or legal advice, and does not constitute an attorney/client relationship. Past performance of any market results is no assurance of future performance. The information contained herein has been obtained from sources deemed reliable but is not guaranteed.Page 362 of 464