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Comprehensive Annual Financial Report - 2002-2003Comprehensive Annual Financial Report Fiscal Year Ended September 30, 2003 MONO i rfi City of Clermont, Florida Pictured is Clermont City Hall located in beautiful, historic downtown Clermont. City Hall construction began with a ground breaking ceremony on June 21, 2002. Financing was provided for the project through the 2002 Public Improvement Revenue Bond. City Hall opened on September 8, 2003. CITY OF CLERMONT, FLORIDA COMPREHENSIVE ANNUAL FINANCIAL REPORT SEPTEMBER 30, 2003 Prepared by: Administrative Services Department Joseph E. Van Zile Administrative Services Director CITY OF CLERMONT, FLORIDA COMPREHENSIVE ANNUAL FINANCIAL REPORT FISCAL YEAR ENDED SEPTEMBER 30,.2003 TABLE OF CONTENTS I. INTRODUCTORY SECTION Letterof Transmittal.................................................................................. i Organizational Chart ..............................................................................xiii Certificate of Achievement.....................................................................AV Listing of City Officials........................................................................... xv II. FINANCIAL SECTION INDEPENDENT AUDITOR'S REPORT Independent Auditor's Report ..................................................................1 GENERAL PURPOSE FINANCIAL STATEMENTS Combined Statements — Overview Combined Balance Sheet —All Fund Types and Account Groups........... 3 Combined Statement of Revenues, Expenditures and Changes in Fund Balances —All Governmental Fund Types and Expendable Trust Funds..................................................7 Combined Statement of Revenues, Expenditures and Changes in Fund Balances — Budget and Actual — All Governmental FundTypes........................................................................................9 Combined Statement of Revenues, Expenses and Changes in Retained Earnings/Fund Balance —All Proprietary Fund Types and Nonexpendable Trust Funds.................................12 Combined Statement of Changes in Pension Fund Net Assets.............13 Combined Statement of Cash Flows — All Proprietary Fund Types and Nonexpendable Trust Funds.....................................14 TABLE OF CONTENTS FINANCIAL SECTION CONTINUED Notes to Financial Statements...............................................................16 COMBINING AND INDIVIDUAL FUND AND ACCOUNT GROUP STATEMENTS General Fund: Statement of Revenues, Expenditures and Changes in Fund Balance — Budget and Actual..................................................37 Special Revenue Funds: Combining Balance Sheet.....................................................................39 Combining Statement of Revenues, Expenditures and Changes in Fund Balances..............................................................40 Combining Statement of Revenues, Expenditures and Changes in Fund Balances — Budget and Actual .............................41 Debt Service Funds: Combining Balance Sheet.....................................................................45 Combining Statement of Revenues, Expenditures and Changes in Fund Balances..............................................................46 Combining Statement of Revenues, Expenditures and Changes in Fund Balances — Budget and Actual .............................47 Enterprise Funds: Combining Balance Sheet.....................................................................49 Combining Statement of Revenues, Expenses and Changes in Retained Earnings............................................................................51 Combining Statement of Cash Flows....................................................52 TABLE OF CONTENTS FINANCIAL SECTION CONTINUED Trust Funds: Combining Balance Sheet. .................................................................... 54 Comparative Statement of Pension Fund Net Assets ............................55 Combining Statement of Changes in Pension Fund Net Assets ............ 56 Account Groups: Schedule of General Fixed Assets by Sources......................................57 Schedule of General Fixed Assets - by Function and Activity ...............58 STATISTICAL SECTION Comments on the Statistical Section................................................................59 Expenditures by Function — Last Ten Fiscal Years..........................................60 Revenue by Source — Last Ten Fiscal Years...................................................62 Property Tax Levies, Tax Collections and Assessed Valuations — Last Ten Fiscal Years.............................................................64 Property Tax Rates — Direct and All Overlapping Governments — LastTen Fiscal Years.................................................................................66 Computation of Direct and Overlapping General ObligationDebt........................................................................................... 68 Water and Sewer Customer Data — Last Ten Fiscal Years .............................. 69 Utility Revenue Bond Coverage - All Utility Revenue Bonds — Last Ten Fiscal Years.................................................................................70 Demographic Statistics — Last Ten Fiscal Years .............................................. 72 Property Value, Construction and Bank Deposits — LastTen Fiscal Years................................................................................. 73 TABLE OF CONTENTS STATISICAL SECTION CONTINUED PrincipalTaxpayers..........................................................................................75 Largest Employers .................................... .......76 ................................................ Schedule of Insurance Coverages...................................................................77 Miscellaneous Statistical Data..........................................................................79 OTHER REPORTS Report on Compliance and on Internal Control over Financial Reporting Based on an Audit of Financial Statements Performed in Accordance with Government Auditing Standards..........................................................81 Report on Compliance with Requirements Applicable to the Major Program and Internal Control over Compliance in Accordance With OMB Circular A-133............................................................................83 Schedule of Expenditures of Federal Awards..................................................85 Notes to Schedule of Expenditures of Federal Awards....................................86 Schedule of Findings and Questioned Costs — Federal Program.....................87 A INTRODUCTORY SECTION This section contains the letter of transmittal, organizational chart, certificate of achievement and listing of city officials. CITY OF CLERMONT Office of the City Manager March 5, 2004 Honorable Mayor and Council Members City of Clermont Clermont, Florida The Comprehensive Annual Financial Report of the City of Clermont, Florida, for the fiscal year ended September 30, 2003, is hereby submitted. This report was prepared by the City's Finance Department. Responsibility for both the accuracy of the presented data and the completeness and fairness of the presentation, including all disclosures, rests with the City. We believe the data, as presented, is accurate in all material aspects; that it is presented in a manner designed to fairly present the financial position and results of operations of the City as measured by the financial activity of its various funds, and that it includes the disclosures necessary to enable the reader to gain the maximum understanding of the City's financial activities. THE REPORTING ENTITY AND ITS SERVICES The City of Clermont, which occupies 11.5 square miles, was incorporated in 1916. The City is located in south Lake County, approximately twenty-two miles west of the City of Orlando and twenty-two miles southeast of the City of Leesburg. The City is conveniently accessible to Orlando via Florida Highway 50. The City is essentially residential in character and its economy is primarily centered in retail trade as well as lodging, food and beverage establishments, which are tourism oriented. Lake County, located in Central Florida, is bounded to the north by Marion County, to the south by Polk County, to the east by Orange County, Seminole County and Volusia County, and to the west by Sumter County. Tavares, the County Seat, is located approximately 190 miles southeast of Tallahassee, the State Capitol, and 50 miles northwest of Orlando. P.O. BOX 120219 • CLERMONT, FLORIDA 34712-0219 PHONE: 352/394-4081 • FAX: 352/394-1452 The City has a Council -Manager form of government, with a Mayor and four other Council Members who are elected at large for two year staggered terms. Elections are held on the first Tuesday after the first Monday in November of each year. The City employs a full-time manager who is the chief executive and administrative officer of the City. The City provides a full range of municipal services as directed by its charter. These include Police and Fire Protection, Street and Sidewalk Maintenance, Planning and Development, Code Enforcement, Animal/Mosquito Control, Recreational Facilities and Programs, Cemetery and General Administrative functions. Clermont also operates and maintains water, wastewater treatment, sanitation, and stormwater utilities. In addition, the City was a financial supporter of a private library that serves city residents, as well as residents of the surrounding area. During the 2002-03 fiscal year, the library agreed to join the county -wide library system. The funds and entities related to the City of Clermont included in our Comprehensive Annual Financial Report, are those for which the City Council has financial accountability. According to criteria outlined in Governmental Accounting Standards Board (GASB) statements, financial accountability is present if the City Council appoints a voting majority of a component unit's governing body and has the ability to impose its will on that organization or if there is a potential for the organization to provide specific financial benefits to or impose specific financial burdens on the City. Based on these criteria, the various funds and account groups shown in the table of contents are properly included in this report. ACCOUNTING SYSTEM AND BUDGETARY CONTROL The City's accounting records for General, Special Revenue, Debt Service, Capital Projects and certain Trust and Agency Funds are maintained on a modified accrual basis with revenues being recognized when they become measurable and available, while expenditures are recorded at the time liabilities are incurred. Accounting records for the Enterprise, Internal Service and certain Trust and Agency Funds are maintained on a full accrual basis. In developing and modifying the City's accounting system, consideration is given to the adequacy of internal accounting controls. Internal accounting controls are designed to provide reasonable, but not absolute assurance regarding: 1. The safeguarding of assets against loss from unauthorized use or disposition; and 2. The reliability of financial records for preparing financial statements and maintaining accountability for assets. ii The concept of reasonable assurance recognizes that: 1. The cost of control should not exceed the benefits likely to be derived; and 2. The evaluation of costs and benefits requires estimates and judgements by management. All internal control evaluations occur within the above framework. The City's internal accounting controls adequately safeguard assets and provide reasonable assurance of proper recording of financial transactions. Budgetary integration is established in the accounting records for control purposes at the object level. The City Manager is authorized to approve transfers within departments, but changes in total budget appropriations for a department must have prior approval of the City Council. Budgetary reports are issued and reviewed monthly by staff. FINANCIAL STATEMENT FORMAT The report is arranged in the following sections: Section A: Introduction Section This section contains the Letter of Transmittal and other such material as may be useful in understanding the reporting entity. Section B: Financial Section This section of the report contains the Independent Auditor's report and financial statements of the City. The financial statements include the General Purpose Financial Statements, which display financial data for the City as a whole and Combining Statements by Fund Type, which present data for homogeneous funds. Section C: Statistical Section This section presents detailed historical information that will be beneficial to the reader in understanding the City's growth and its future potential. Section D: Other Reports This section contains other Independent Auditor's reports. ui GENERAL FUND The General Fund encompasses the general government functions of the City and all other functions not accounted for in other funds. Unreserved, undesignated fund balance increased 21.6% from $2,558,824 to $3,110,397. Fund balance is the amount of resources available for expenditure in future years. The increase in fund balance is primarily due to actual revenues exceeding anticipated revenues. Revenues and other financing sources of the current fiscal year as compared with those of the previous year are presented as follows: 2002-2003 Amount % of total 2001-2002 Amount % of total 0/6 Iac./)ec. Over 2001-02 Taxes $5,737,705 70.5% $4,924,708 69.4% 16.5 % Licenses and Permits 277,264 3.4 252,702 3.5 9.7 Intergovernmental 986,247 12.1 897,166 12.6 9.9 Charges for Services 378,425 4.7 367,279 5.2 3.0 Fines and Forfeitures 114,013 1.4 111,517 1.6 2.2 Investment Income 79,666 1.0 75,558 1.1 5.4 Miscellaneous Revenues 218,885 2.7 170,546 2.4 28.3 Transfers In 318,160 3.9 295,183 4.2 7.8 Debt Proceeds 27,500 0.3 0 0.0 N/A Total $89137,865 100% $7,094,659 100% 14.7% General Fund revenues increased 14.7% from $7,094,659 to $8,137,865 primarily due to increases in tax revenue. Taxes increased primarily due to an increase in franchise fees, utility service taxes and ad valorem revenues. The revenue increases were the result of growth and not a change in the City's tax rate structure. Clermont continues to enjoy being one of the lowest taxed communities in Central Florida. iv Expenditures and other financing uses of the current fiscal year as compared with those of the previous year are as follows: 2002-2003 Amount % of total 2001-2002 Amount % of total % Inc./Dec. Over 2001-02 General Government $1,354,585 17.9% $1,118,513 17.0% 21.1% Public Safety 3,777,852 49.8 3,191,561 48.4 18.4 Physical Environment 35,237 0.5 41,611 0.6 (15.3) Transportation 809,642 10.7 638,330 9.7 26.8 Economic Environment 25,856 0.3 23,854 0.4 8.4 Human Services 88,638 1.2 69,479 1.1 27.6 Culture & Recreation 1,334,214 17.6 1,212,709 18.4 10.0 Debt Service 63,704 0.8 80,193 1.2 (20.6) Transfers Out 91,454 1.2 214,151 3.2 (57.3) Total $7,581,182 100% $6,590,755 100% 15.0% General Fund expenditures increased 15% from $6,590,755 to $7,581,182 primarily due to increases in personnel and operating expenditures in the General Government, Public Safety and Transportation categories. Five (5) new positions were added in the General Government category and eight (8) new positions were added in the Public Safety category. Transportation expenditures increased primarily due to road resurfacing projects. Transfers Out decreased significantly due to a one-time transfer to the Stormwater Fund for the Center Lake project in fiscal year 2001-02. I SPECIAL REVENUE FUNDS I INFRASTRUCTURE FUND The Infrastructure Fund accounts for the City's share of the Local Government Infrastructure Surtax. The surtax, which represents a countywide one -cent increase in the State Sales Tax, has been in effect since 1987. In November 2001, Lake County residents voted to continue the surtax for another fifteen (15) years. The surtax may only be expended on items pertaining to the construction of fixed capital outlay. Infrastructure surtax funds were used in the fiscal year 2002-03 to subsidize the completion of the downtown revitalization project, assist in the purchase of land for City Hall and annual debt service associated with the 1989 Sales Tax and 2002 Public Improvement Revenue Bond issues. IMPACT FEE FUNDS Impact Fee Funds account for the police, fire and recreation impact fees paid by developers. The fees were adopted by the City to require new development to pay its proportionate share of the capital costs necessary to accommodate new development impacts on police, fire and recreational services. v Comparative impact fee amounts for the last three fiscal years are as follows: 2002-2.003 2001-2002 2000-2001 Police hE act Fees 331,549 $405,167 $222,503 Fire lm act Fees 303,547 $387,518 $218,862 Recreation Impact Fees 789,253 1 $521,486 $503,454 Total Impact Fees 1,424,349 $1,314,171 $944,819 Total impact fees increased from $1,314,171 to $1,424,349. Recreation impact fees increased 51.3% due to an increase in the number of residential construction permits issued during the 2002-03 fiscal year as noted in Table 9 of the Statistical Section. However, police and fire impact fees decreased due to a reduction of commercial construction permits issued in the 2002-03 fiscal year. Since commercial units are assessed police and fire, but not recreation impact fees, this explains the decrease in police and fire impact fees. Impact fees were used to purchase various equipment and vehicles. In addition, police impact fees paid for two thirds of the new communication center radio system and in -car video systems for six vehicles. Fire impact fees were used for the annual debt service associated with the financing of the construction of Fire Station No. 1. BLOCK GRANT FUND The City received a $600,000 Community Development Block Grant from the State of Florida during the 2000-01 fiscal year. This grant was used for the Downtown Streetscape project during the 2001-02 and 2002-03 fiscal years. The project included street resurfacing, new sidewalks and parking facilities. Attractive lighting, landscaping, and benches were added also. _ - - - .. _ ........... -- - ...... _... ...... _... .. DEBT SERVICE FUND 9 The Sales Tax Revenue Bond Sinking Fund is maintained to account for the accumulation of resources and the payment of debt service on the 1989 Sales Tax Revenue Bond. The bond was issued to provide funding for the development of the Palatlakaha Recreation Area and construction of the Public Services Complex and Public Safety Building. During fiscal year 2002-03 the City made its final payment on this bond issue. The 2002 Public Improvement Revenue Bond Fund was created to account for the accumulation of resources and payment of principal and interest for the Public Improvement Revenue Bonds. The bond was issued to provide funding for the construction of a new City Hall and to refinance a line of credit loan which was obtained in 2000 to provide funding for the construction of Fire Station No. 1. vi I CAPITAL PROJECT FUND i The Building Construction Fund is maintained to account for the financial resources and related expenditures pertaining to the construction of a new City Hall. City Hall opened its doors for business on September 8, 2003. As of the end of the fiscal year $5,150,127 was spent for construction. Final payments for equipment and furniture will be paid in fiscal year 2003-04. Financing for the project is provided through the proceeds of the 2002 Public Improvement Revenue Bond. ENTERPRISE FUNDS WATER FUND The Water Fund accounts for the provision of potable water service to City and non -City residents. Comparative data for the last three fiscal years is as follows: 2002-2003 2001-2002 T 2000-2001 Operating Revenues $3,533,383 $3,219,265 $2,654,416 Operating Expenses $2,063,736 $1,722,581 $1,270,542 Operating Income $1,469,647 $1,496,684 $1,383,874 Net Working Capital $5,326,622 $3,286,692 $2,366,163 Debt Service Coverage Combined Water/Sewer 2.70% 2.70% 3.05% Operating revenues and expenses increased 9.8% and 19.8% respectively, primarily due to servicing an expanded customer base. Expenses increased primarily due to increased personnel and operating expenses. A Chief Water Plant Operator and part-time Water Conservation Technician were added during the fiscal year. The residential customer base has increased from 8,461 customers in September 2002 to 10,529 as of September 2003. SEWER FUND The Sewer Fund accounts for the provision of sewer services to City and non -City residents. Comparative data for the last three fiscal years is as follows: 2002-2003 2001-2002 2000-2001 erat ng Revenues $2,299,948 $1,835,173 $1,562,488 Operating Expenses $2,245,711 $1,871,267 $1,568,320 Operating Income(Loss) $54,237 $36,094) ($5,832) Net Working Capital $338,158 $148,639 $417,593 Debt Service Coverage Combined Water/Sewer 2.70% 2.70% 3.05% vii Operating revenues and expenses increased 25.3% and 20.0% respectively, primarily due to servicing an expanded customer base. Expenses increased due to a full year of personnel and operating expenses at the new wastewater treatment plant. The residential sewer system customer base has increased from 6,243 customers in September 2002 to 7,650 as of September 2003. SANITATION FUND The Sanitation Fund accounts for the provision of garbage and trash collection, recycling, and composting services to City residents. Comparative data for the last three fiscal years is as follows: 2002-2003 2001-2002 2000-2001 Operating Revenues $1,626,189 $1,362,327 $1,144,053 Operating Expenses $1,439,798 $1,164,639 $1,091,335 Operating Income (Loss $186,391 $197,688 $52,718 Net Working Capital $511,128 $252,913 $42,937 Operating revenues and expenses increased 19.3% and 23.6%, respectively, primarily due to servicing an expanding customer base. STORMWATER UTILITY FUND The Stormwater Utility Fund accounts for the maintenance and improvement of the City's stormwater drainage system. The stormwater utility fee is charged to all property owners/tenants throughout the City and is based on the impervious area of their property. Comparative data for the last three fiscal years is as follows: 2002-2003 2001-2002 2000-2001 Operating Revenues $504,732 $449,476 $396,747 Operating Expenses $215,145 $160,233 $168,302 Operating Income $289,587 $289,243 $228,445 Net Working Capital $761,731 $498,885 $365,436 Operating revenues and expenses increased 12.3% and 34.3% respectively. Expenses increased due to increased costs of maintaining and improving the City's retention areas and storm drain system. I INTERNAL SERVICE FUND 1 The City maintains a Group Self -Insurance Fund to account for the accumulation of resources and the payment of insurance claims pertaining to the employee health and insurance coverage. The modified Self -Insurance Program is responsible for health and dental claims up to $40,000 per employee. Reinsurance provides coverage in excess of the City's limits up to $1,000,000 per employee. viii The Group Self -Insurance Fund had a negative retained earnings balance of $41,765 as of September 30, 2003. The negative retained earnings was primarily due to paid medical claims exceeding premiums collected. As a result, the City approved a premium adjustment during the 2003-04 fiscal year. TRUST FUNDS Trust Funds account for assets held by the City as Trustee for individuals, private organizations and other governmental units and/or funds. The General Employees', Police Officers' and Volunteer Firefighters' Pension Trust Funds account for the accumulation of resources to be used for the retirement annuities of all city employees. The Cemetery Perpetual Care Trust Fund accounts for monies received from people buying lots in the City cemetery. The principal must be kept intact, but the interest may be transferred to General Fund to defray the cost of cemetery operation and maintenance. The Community Redevelopment Fund accounts for funds administered by the Downtown Clermont Redevelopment Agency. The agency is authorized to use the funds to finance community redevelopment projects within the downtown area. In fiscal year 2002-03 the Community Redevelopment Fund made a $38,713 contribution to the Community Development Block Grant Fund to provide additional funding for the Downtown Streetscape project. GENERAL FIXED ASSETS The general assets of the City of Clermont are those fixed assets used in the performance of general governmental functions and exclude the fixed assets of the Proprietary Funds. As of September 30, 2003, the general fixed assets of the City totaled $25,449,758. This amount represents the original cost of the assets and is, therefore, considerably less than their present value. Depreciation of general fixed assets is not recognized in the City's accounting system. CASH MANAGEMENT The City maintains an investment policy that is based on the theory of minimizing credit and market risks, maintaining reasonable liquidity to meet maturing obligations, and maximizing return through the use of various investment sources. The City's investment program consists of funds invested in overnight repurchase agreements, the Florida State Board of Administration Investment Pool, and in United States Treasury securities. The overnight repurchase agreements are in relation to a ix banking service agreement the City maintains with a local qualified public depository. The agreement provides that a specific rate of return based on the bank's federal funds rate and amount of excess funds to be credited to the City's account on a daily basis. The Florida State Board of Administration Investment Pool is managed by the State of Florida and is available to any governmental agency within the State. The major advantages the pool offers to small cities such as Clermont are the higher rate of return from the large amount of funds available to invest and the liquidity of the invested funds. Access to the invested funds is on a daily basis. DEBT ADMINISTRATION The City has the following long-term debt issues outstanding on September 30, 2003 ➢ A long-term note issued in 1980 to finance the purchase of the Library Building. ➢ A Capital Improvement Revenue Note issued in 1998 to provide funding for the purchase of computer equipment and a fire truck. ➢ A Capital Improvement Revenue Note issued in 1999 to provide funding for the purchase of a fire truck. ➢ A Water and Sewer Revenue and Refunding Bond issued in 2000 to defease its outstanding 1993 City of Arcadia Dedicated Pool Local Government Revenue Bonds, refinance the City's outstanding 1996 Bond Anticipation Note, and finance a portion of the City's sewer treatment plant expansion and various other capital improvements to the City's Water and Sewer System. ➢ A Public Improvement Revenue Bond issued in 2002 to provide funds for the construction of a new City Hall facility and pay off a $2,000,000 line of credit used to finance Fire Station No. 1 and City Hall engineering and design costs. ➢ A lease -purchase note issued in 2003 to provide funding for a police community relations vehicle. RISK MANAGEMENT The City maintains Commercial Liability and Worker's Compensation insurance through programs sponsored and administered by the Florida League of Cities. The limit of protection for the liability coverage is $1,500,000 per occurrence. The City is not aware of any pending or threatened litigation, which would not be covered by insurance. X FINANCIAL POSITION AND FUTURE PROSPECTS The City continues to have a strong financial position. The expanding tax base has provided increased revenue enabling the City to fund necessary projects and personnel needed to maintain the adopted levels of service. The City continues to provide a relatively high level of service while maintaining one of the lower property tax rates in the area. Fees for services, such as water, sewer, and sanitation, are also in an acceptable range. The coming year should be similar to the past year unless we experience a major national economic change that would affect the construction industry or current business expansion trends. The overall financial position and economic outlook for the City is positive but we must continue to be aware of future trends when planning expansion projects and adding additional personnel the will require multi -year funding commitments. A combination of careful short and long range planning, conservative budgeting, and sound management practices will ensure the future financial stability of the City. CERTIFICATE OF ACHIEVEMENT r 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 Clermont, Florida, for its Comprehensive Annual Financial Report for the fiscal year ended September 30, 2002. The Certificate of Achievement is the highest form of recognition for excellence in state and local government financial reporting. In order to be awarded a Certificate of Achievement, a government must publish an easily readable and efficiently organized Comprehensive Annual Financial Report, whose contents conform to program standards. Such reports must satisfy both generally accepted accounting principles and applicable legal requirements. A Certificate of Achievement is valid for a period of one year only. The City of Clermont has received a Certificate of Achievement for the last fifteen consecutive fiscal years. We believe our current report continues to conform to the Certificate of Achievement Program requirements, and we are submitting it to GFOA. Xi INDEPENDENT AUDIT Florida Statutes and the City Charter require an annual financial audit of the financial statements of the City of Clermont by an independent certified public accountant selected by the City Council. This requirement has been satisfied and the Auditor's unqualified opinion has been included in this report. ACKNOWLEDGEMENTS The preparation of this report on a timely basis could not have been accomplished without the efficient and dedicated services of the staffs in the City Manager's office, Planning Department and Finance Department. A special note of appreciation is due Lisa Strickland, Accountant for her hard work and dedicated efforts in the preparation of this report. I would also like to thank the Mayor and members of the City Council for their interest and support in planning and conducting the financial operations of the City in a responsible and progressive manner. Respectfully submitted, V �� Way Saunders City Manager n Joseph . V n Zile Admi tr tive Services Director xu m L O LL U .�J O C E O N U_ 'F O 4-4O U 5 m C m N C m CD U m J co Q C O co � � m N O U J CD O E m c m T m c o E E ° U m N C C C J N m a a >.E E c �m m H m N 3 E m co m c c E m Z p rn o 0 c w o, U m c m v c m a U r°0 m c m o ro a cl m m c a d c m ° rn m c o U m j c m C O UU m O U C c � m o v c m o c m m c m o n�m5 .� C E c m O L" co a Q U ti 65 O c O m a o O m o U m N U U 6 U O N m O L] J J 5 � aw c 0 'E c o rn E c ° m U 2 � C O O 16 U T w a J J c u v E E U 0 0 (0 ff Certificate of Achievement for Excellence in Financial Reporting Presented to City of Clermont, Florida For its Comprehensive Annual Financial Report for the Fiscal Year Ended September 30, 2002 A Certificate of Achievement for Excellence in Financial Reporting is presented by the Government Finance Officers Association of the United States and Canada to government units and public employee retirement systems whose comprehensive annual financial reports (CAFRs) achieve the highest standards in government accounting and financial reporting. E "e�a6� EPresident CACAO Executive Director xiv Mayor Mayor Pro-Tem Council Member Council Member Council Member CITY OF CLERMONT, FLORIDA LISTING OF CITY OFFICIALS ELECTED OFFICIALS Harold S. Turville, Jr. Keith Mullins Frank Caputo Gail Ash Elaine Renick APPOINTED OFFICIALS City Manager Wayne Saunders City Attorney Robert D. Guthrie Administrative Services Director Joseph E. Van Zile Public Services Director Preston Davis Chief of Police Randy Story Fire Chief Carle Bishop Utility Director/City Engineer Tamara Richardson Planning Director Barry Brown City Clerk Tracy Ackroyd xv 0, NANCIAL SECTION section contains the following subsections: INDEPENDENT AUDITOR'S REPORT PURPOSE FINANCIAL STATEMENTS COMBINING AND INDIVIDUAL FUND AND ACCOUNT GROUP STATEMENTS 1 1 1 11 F��� INDEPENDENT AUDITa I I s INDEPENDENT AUDITOR'S REPORT Honorable Mayor and City Commissioners City of Clermont, Florida We have audited the accompanying general purpose financial statements of the City of Clermont, Florida, as of and for the year ended September 30, 2003, as listed in the table of contents. These general purpose financial statements are the responsibility of the City's management. Our responsibility is to express an opinion on these general purpose financial statements based on our audit. We conducted our audit in accordance with auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the general purpose financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the general purpose financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall general purpose financial statement presentation. We believe that our audit provides a reasonable basis for our opinion. In our opinion, the general purpose financial statements referred to above present fairly, in all material respects, the financial position of the City of Clermont Florida, as of September 30, 2003, and the results of its operations and the cash flows of its proprietary fund types and the changes in pension fund net assets for the year then ended in conformity with accounting principles generally accepted in the United States of America. In accordance with Government Auditing Standards, we have also issued a report dated December 5, 2003 on our consideration of the City of Clermont, Florida's internal control over financial reporting and our tests of its compliance with certain provisions of laws, regulations, contracts and grants. That report is an integral part of an audit performed in accordance with Government Auditing Standards and should be read in conjunction with this report in considering the results of our audit. MCDIRMIT DAVIS PUCKETT & COMPANY, LLC CERTIFIED PUBLIC ACCOUNTANTS AND ADVISORS 605 E. ROBINSON STREET, SUITE 635 - ORLANDO, FLORIDA 32801 TELEPHONE 407-843-5406 e Fax 407-649-9339 • EMAIL: INFOCMDPCPA.COM MEMBERS: PRIVATE COMPANIES PRACTICE SECTION - AMERICAN INSTITUTE OF CERTIFIED PUBLIC. ACCOUNTANTS ° FLORIDA INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS 1 Our audit was made for the purpose of forming an opinion on the general purpose financial statements taken as a whole. The combining and individual fund and account group financial statements and the schedule of expenditures of federal awards listed in the accompanying table of contents are presented for purposes of additional analysis and are not a required part of the general purpose financial statements of the City of Clermont, Florida. Such information has been subjected to the auditing procedures applied in the audit of the general purpose financial statements and, in our opinion, is fairly presented in all material respects in relation to the general purpose financial statements taken as a whole. The information listed in the Statistical Section is presented for purposes of additional analysis and is not a required part of the general purpose financial statements. Such information has not been subjected to the auditing procedures applied in the audit of the general purpose financial statements and, accordingly, we express no opinion on it. December 5, 2003 E GENERAL PURPOSE FINANCIAL STATEMENTS (Combined Statements -Overview) These basic financial statements provide a summary overview of the financial position of all funds and account groups as well as the operating results of all funds. They also serve as an introduction to the detailed statements that follow in subsequent sections. CITY OF CLERMONT, FLORIDA COMBINED BALANCE SHEET ALL FUND TYPES AND ACCOUNT GROUPS September 30, 2003 Assets: Cash and cash equivalents Investments Receivables: Accounts Interest Other Interfund receivables Due from other governments Prepaid items Inventory Interfund advances Restricted assets: Cash and cash equivalents Investments Deferred charges Property, plant and equipment Less: accumulated depreciation Construction in progress Amount available in debt service funds Amount to be provided for retirement of general long-term debt Total assets Governmental Fund Typ Special Debt General Revenue Service Capital Projects $ 596,862 $ 542,647 $ 344,728 $ 85,901 2,565,697 1,626,003 - 713,057 38,890 - - - 21,771 - - - 14,680 - - - 200,166 252,577 - - 119,724 - - - 13,072 - 29,360 - - - $ 3,600,222 $ 2,421,227 $ 344,728 $ 798,958 The accompanying Notes to Financial Statements are an integral part of these statements. 3 Fiduciary Proprietary Fund Types Fund Type Account Groups General General Totals Internal Fixed Long -Term (Memorandum Enterprise Service Trust Assets Debt Only) $ 951,970 $ 21,005 $ 54,164 $ - $ - $ 2,597,277 5,545,717 - 6,924,789 - - 17,375,263 637,210 - - - - 676,100 61,167 - - - - 82,938 24,358 - - - - 24,358 1,021,733 - - - - 1,036,413 - - - - - 452,743 61,058 - - - - 180,782 32,420 - - - - 45,492 - - - - - 29,360 1,507,448 - - - - 1,507,448 16,649,910 - - - - 16,649,910 363,501 - - - - 363,501 37,193,667 - - 25,376,825 - 62,570,492 (9,516,159) - - - - (9,516,159) 567,346 - - 72,933 - 640,279 - - - - 344,728 344,728 - - - - 7,148,577 7,148,577 $ 55,101,346 $ 21,005 $ 6,978,953 $ 25,449,758 $ 7,493,305 $ 102,209,502 (Continued) 4 CITY OF CLERMONT, FLORIDA COMBINED BALANCE SHEET ALL FUND TYPES AND ACCOUNT GROUPS Continued September 30, 2003 Governmental Fund Types Special Debt Capital General Revenue Service Projects Liabilities and Fund Equity: Liabilities: Accounts payable $ 169,686 $ - $ - $ 562,123 Accrued liabilities 100,371 - - - Retainage payable - - - 130,836 Interest payable 733 - - - Current liabilities (payable from restricted assets): Retainage payable - - - - Customer deposits - - - - Accrued interest - - - - Interfund payables - - - - Interrund advances - - - - Deferred developer credits - 72,127 - - Deferred revenue - 12,824 - - Accrued annual leave 52,241 - - - Revenue bonds payable - - - - Notes payable - - - - Totalliabilities 323,031 84,951 - 692,959 Fund equity: Contributed capital - - - -- Investment in general fixed assets - - - - Retained earnings: Reserved - - Unreserved - - Total retained earnings - - - - Fund balances: Reserved: Parking lots 4,638 - - - Inventory 13,072 - - - Prepaids 119,724 - - - Interfund advances 29,360 - - - Cemetery care - - - - Debt service - - 344,728 - Employee's pension benefits - - - - Unreserved: Undesignated 3,110,397 2,336,276 - 105,999 Total fund balances 3,277,191 2,336,276 344,728 105,999 Total Equity and Other Credits 3,277,191 2,336,276 344,728 105,999 Total Liabilities, Fund Equity and Other Credits $3,600,222 $2,421,227 $344,728 $ 798,958 The accompanying Notes to Financial Statements are an integral part of these statements. 5 Fiduciary Proprietary Fund Types Fund Type Account Groups General General Totals Internal Fixed Long -Term (Memorandum Enterprise Service Trust Assets Debt Only) $ 334,769 $ 62,770 $ - $ - $ - $ 1,129,348 41,492 - - - - 141,863 - - - - - 130,836 - - - - - 733 152,246 - - - - 152,246 310,709 - - - - 310,709 1,021,733 - 14,680 - - 1,036,413 - - 29,360 - - 29,360 - - - - - 72,127 - - - - - 12,824 149,609 - - - 147,525 349,375 17,280,213 - - - 6,965,000 24,245,213 - - - - 380,780 1 380,780 19,290,771 62,770 44,040 - 7,493,305 27,991,827 11 083 291 15,497,630 - - 9,229,654 (41,765) - 24,727,284 (41,765) - - 25,449,758 - 25,449,758 - 15,497,630 -_ - 9,187,889 24,685,519 - - - - - 4,638 - - - - - 13,072 - - - - - 119,724 - - - - - 29,360 - - 414,720 - - 414,720 - - - - - 344,728 - - 6,538,159 - - 6,538,159 - - (17,966) - - 5,534,706 - - 6,934,913 - - 12,999,107 35,810,575 (41,765) 6,934,913 25,449,758 - 74,217,675 $ 55,101,346 $ 21,005 $ 6,978,953 $ 25,449,758 $ 7,493,305 $ 102,209,502 A CITY OF CLERMONT, FLORIDA COMBINED STATEMENT OF REVENUES EXPENDITURES AND CHANGES IN FUND BALANCES - ALL GOVERNMENTAL FUND TYPES AND EXPENDABLE TRUST FUNDS For The Year Ended September 30, 2003 Governmental Fund Types Special Debt Capital General Revenue Service Projects Revenues: Taxes $ 5,737,705 $ 996,162 $ - $ - Licenses and permits 277,264 - - - Intergovernmental revenues 986,247 165,803 - - Charges for services 378,425 - - - Fines and forfeitures 114,013 - - - Impact fees/special assessments - 1,424,349 - - Investment income 79,666 23,627 2,066 38,771 Miscellaneous revenues 218,885 - - - Total revenues 7,792,205 2,609,941 2,066 38,771 Expenditures: Current: General government 1,354,585 92,107 - 4,355,675 Public safety 3,777,852 190,392 - - Physical environment 35,237 - - - Transportation 809,642 - - - Economic environment 25,856 320,688 - - Human services 88,638 - - - Culture and recreation 1,334,214 182,103 - - Debt service: Principal retirement 60,394 45,440 130,000 - Interest and fiscal charges 3,310 16,868 236,766 - Total expenditures 7,489,728 847,598 366,766 4,355,675 Excess (Deficiency) of Revenues Over Expenditures 302,477 1,762,343 (364,700) (4,316,904) Other Financing Sources (Uses): Operating transfers in 318,160 244,885 586,374 - Operating transfers out (91,454) (733,303) - - Debt proceeds 27,500 - - Net other financing sources (uses) 254,206 (488,418) 586,374 - Excess (Deficiency) of Revenues and Other Sources Over Expenditures and Other Uses 556,683 1,273,925 221,674 (4,316,904) Fund Balances - Beginning of Year 2,720,508 1,062,351 123,054 4,422,903 Fund Balances - End of Year $ 3,277,191 $ 2,336,276 $ 344,728 $ 105,999 The accompanying Notes to Financial Statements are an integral part of these statements. 7 Fiduciary Fund Type Totals Expendable (Memorandum Trust Only) $ 59,843 $ 6,793,710 - 277,264 - 1,152,050 - 378,425 - 114,013 - 1,424,349 332 144,462 - 218,885 60,175 10,503,158 - 5,802,367 - 3,968,244 - 35,237 - 809,642 12,918 359,462 - 88,638 1,516,317 235,834 - 256,944 12,918 13,072,685 47,257 (2,569,527) 32,211 1,181,630 (38,713) (863,470) 27,500 (6,502) 345,660 40,755 (2,223,867) (58,721) 8,270,095 $ (17,966) $ 6,046,228 N. CITY OF CLERMONT, FLORIDA COMBINED STATEMENT OF REVENUES, _EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL ALL GOVERNMENTAL FUND TYPES For The Year Ended September 30, 2003 Revenues: Taxes Licenses and permits Intergovernmental revenues Charges for services Fines and forfeitures Impact fees/special assessments Investment income Miscellaneous Total revenue Expenditures: Current: General government Public safety Physical environment Transportation Economic environment Human services Culture and recreation Debt service Principal retirement Interest and fiscal charges Total expenditures Excess (Deficiency) of Revenues Over Expenditures Other Financing Sources (Uses): Operating transfers in Operating transfers out Debt proceeds Net other financing sources (uses) Excess (Deficiency) of Revenues and Other Sources Over Expenditures and Other Uses Fund Balances - Beginning of Year General Fund Variance Favorable Budget Actual (Unfavorable) $ 5,424,112 $ 5,737,705 $ 313,593 215,000 277,264 62,264 899,631 986,247 86,616 371,817 378,425 6,608 156,000 114,013 (41,987) 68,450 79,666 11,216 128,665 218,885 90,220 7,263,675 7,792,205 528,530 1,594,392 1,354,585 239,807 3,620,467 3,777,852 (157,385) 38,206 35,237 2,969 773,397 809,642 (36,245) 32,260 25,856 6,404 109,627 88,638 20,989 1,528,959 1,334,214 194,745 60,394 60,394 - 4,015 3,310 705 7,761,717 7,489,728 271,989 (498,042) 302,477 800,519 363,104 318,160 (44,944) (91,509) (91,454) 55 - 27,500 27,500 271,595 254,206 (17,389) (226,447) 556,683 783,130 2,404,949 2,720,508 315,559 Fund Balances - End of Year $ 2,178,502 $ 3,277,191 $ 1,098,689 �i Special Revenue Funds Debt Service Fund Variance Favorable Budget Actual (Unfavorable) Budget $ 798,800 $ 996,162 $ 197,362 $ - $ - 165,803 165,803 - 755,000 1,424,349 669,349 - 30,100 23,627 (6,473) 3,100 1,583,900 2,609,941 1,026,041 3,100 Variance Favorable :ual (Unfavorable) 2,066 (1,034) 2,066 (1,034) 92,107 92,107 - - - - 217,641 190,392 27,249 - - - 35,000 - 35,000 - - - 351,746 320,688 31,058 - - - 266,656 182,103 84,553 - - - 45,440 45,440 - 139,165 130,000 9,165 16,675 16,868 (193) 276,012 236,766 39,246 1,025,265 847,598 177,667 415,177 366,766 48,411 558,635 1,762,343 1,203,708 (412,077) (364,700) 47,377 232,713 244,885 12,172 412,077 586,374 174,297 (721,131) (733,303) (12,172) - - - (488,418) (488,418) - 412,077 586,374 174,297 70,217 1,273,925 1,203,708 - 221,674 221,674 1,172,002 1,062,351 (109,651) - 123,054 123,054 $ 1,242,219 $ 2,336,276 $ 1,094,057 $ - $ 344,728 $ 344,728 (Continued) 10 CITY OF CLERMONT, FLORIDA COMBINED STATEMENT OF REVENUES _EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL ALL GOVERNMENTAL FUND TYPES For The Year Ended September 30, 2003 Revenues: Taxes Licenses and permits Intergovernmental revenues Charges for services Fines and forfeitures Impact fees/special assessments Investment income Miscellaneous Total revenue Expenditures: Current: General government Public safety Physical environment Transportation Economic environment Human services Culture and recreation Debt service Principal retirement Interest and fiscal charges Total expenditures Excess (Deficiency) of Revenues Over Expenditures Other Financing Sources (Uses): Operating transfers in Operating transfers out Debt proceeds Net other financing sources (uses) Excess (Deficiency) of Revenues and Other Sources Over Expenditures and Other Uses Fund Balances - Beginning of Year Fund Balances - End of Year Capital Projects Fund Variance Favorable Budget Actual (Unfavorable) 8,000 38,771 30,771 8,000 38,771 30,771 5,479,000 4,355,675 1,123,325 5,479,000 4,355,675 1,123,325 (5,471,000) (4,316,904) 1,154,096 150,000 - (150,000) 150,000 - (150,000) (5,321,000) (4,316,904) 1,004,096 5,321,000 4,422,903 (898,097) $ - $ 105,999 $ 105,999 11 CITY OF CLERMONT, FLORIDA COMBINED STATEMENT OF REVENUES EXPENSES AND CHANGES IN RETAINED EARNINGS/ FUND BALANCE ALL PROPRIETARY FUND TYPES AND NONEXPENDABLE TRUST FUNDS For The Year Ended September 30, 2003 Operating Revenues: Charges for services Sales - cemetery lots Miscellaneous Total operating revenues Operating Expenses: Personal services Utilities Dumping fees Administrative services Repairs and maintenance Depreciation and amortization Professional services Insurance Operating supplies Office expense Bad debt Medical claims Total operating expenses Operating income (loss) Nonoperating Revenue (Expenses): Impact fees from developers Interest revenue Interest expense Total nonoperating revenue Income (loss) before operating transfers Operating Transfers: Operating transfers in Operating transfers out Net operating transfers Net income (loss) Retained Earnings/Fund Balance - Beginning of Year Retained Earnings/Fund Balance - End of Year Proprietary Fund Types Internal Enterprise Service $ 7,755,106 $ 1,148,702 209,146 - 7,964,252 1,148,702 2,105,887 - 556,433 - 225,811 - 328,217 39,231 674,706 - 947,165 - 723,764 - 133,431 155,664 172,852 - 65,117 - 31,007 - - 931,951 5,964,390 1,126,846 1,999,862 21,856 5,884,218 - 356,868 279 (453,281) - 5,787,805 279 7,787,667 22,135 Fiduciary Fund Type Nonexpendable T.. .-f 26,420 7R A 7n 300 300 26,120 5,994 5,994 32,114 (312,166) - (5,994) (312,166) - (5,994) 7,475,501 22,135 26,120 17,251,783 (63,900) 388,600 $ 24,727,284 $ (41,765) $ 414,720 Totals (Memorandum Only) $ 8,903,808 26,420 209,146 9,139,374 2,105,887 556,433 225,811 367,448 675,006 947,165 723,764 289,095 172,852 65,117 31,007 931,951 7,091,536 .l nA7 "0 5,884,218 363,141 (453,281) 5,794,078 7,841,916 (318,160) (318,160) 7,523,756 17,576,483 $ 25,100,239 The accompanying Notes to Financial Statements are an integral part of these statements. 12 CITY OF CLERMONT, FLORIDA COMBINED STATEMENT OF CHANGES IN PENSION FUND NET ASSETS For The Year Ended September 30, 2003 Additions: Contributions: Employer $ 274,074 Plan members 45,806 State 251,152 Total contributions 571,032 Investment income: Investment income (loss) 653,488 Less: investment expense (28,102) Net investment income (loss) 625,386 Total additions 1,196,418 Deductions: Benefits/distributions 187,824 Total deductions 187,824 Net Increase (Decrease) 1,008,594 Net Assets Held in Trust for Pension Benefits: Beginning of Year 5,529,565 End of Year $ 6,538,159 The accompanying Notes to Financial Statements are an integral part of these statements. 13 CITY OF CLERMONT, FLORIDA COMBINED STATEMENT OF CASH FLOWS ALL PROPRIETARY FUND TYPES AND NONEXPENDABLE TRUST FUNDS For The Year Ended September 30, 2003 Fiduciary Proprietary Fund Types Fund Type Totals Internal Nonexpendable (Memorandum Enterprise Service Trust Only) Cash Flows from Operating Activities: Receipts from customers $ 7,892,794 $ 1,227,511 $ 26,420 $ 9,146,725 Payments to suppliers (3,946,159) (194,895) (300) (4,141,354) Payments to employees (2,089,509) - - (2,089,509) Payments for medical claims - (1,011,890) - (1,011,890) Net cash provided by (used in) operating activities 1,857,126 20,726 26,120 1,903,972 Cash Flows from Non -Capital Financing Activities: Short term interfund advance (26,399) Operating transfers out (312,166) Net cash provided (used) by non -capital financing activities (331 65) Cash Flows from Capital and Related Financing Activities: Acquisition and construction of fixed asset: (1,566,649) Interest paid on bonds and leases (491,846) Impact fees received 5,884,218 Net cash provided (used) by capital and related financing activities 3,825,723 Cash Flows from Investing Activities: Interest received 356,868 Investment purchases (4,461,808) Net cash provided (used) by investing activities (4,104, 940) Net Increase in Cash and Cash Equivalents 1,239,344 Cash and Cash Equivalents at Beginning of Year 1,220,074 Cash and Cash Equivalents at End of Year Classified As: Current assets Restricted assets Total (26,399) (5,994) (318,160) - (5,994� (344,559) - (1,566,649) - (491,846) - 5,884,218 - 3,825,723 279 5,994 363,141 - (5,760) (4,467,568) 279 234 (4,104,427) 21,005 20,360 1,280,709 - 7,730 1,227,804 $ 2,459,418 $ 21,005 $ 28,090 $ 2,508,513 $ 951,970 $ 21,005 $ 28,090 $ 1,001,065 1,507,448 - - 1,507,448 $ 2,459,418 $ 21,005 $ 28,090 $ 2,508,513 The accompanying Notes to Financial Statements are an integral part of these statements. 14 Reconciliation of Operating Income to Net Cash Provided by(Used in) Operating Activities: Operating income Adjustments Not Affecting Cash: Depreciation and amortization Fiduciary Proprietary Fund Types Fund Type Totals Internal Nonexpendable (Memorandum Enterprise Service Trust Only) $ 1,999,862 $ 21,856 $ 26,120 $ 2,047,838 985,730 - - 985,730 Change in Assets and Liabilities: Decrease (increase) in accounts receivable (89,026) 78,809 - (10,217) Increase in prepaids (18,380) - - (18,380) Increase in inventory (10,691) - - (10,691) Decrease in accounts payable (517,624) (79,939) - (597,563) Increase in accrued expenses 9,256 - - 9,256 Decrease in retainage payable (535,947) - - (535,947) Increase in accrued annual leave 16,378 - - 16,378 Increase in customer deposits 17,568 - - 17,568 Total adjustments (142,736) (1,130) - (143,866) Net Cash Provided by (Used in) Operating Activities: $ 1,857,126 $ 20,726 $ 26,120 $ 1,903,972 15 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS September 30, 2003 Note 1 - Summary of Significant Accounting Policies: The City of Clermont, Florida was incorporated December 1916, under the laws of the State of Florida and operates under the council-manager form of government under its charter adopted pursuant to H.B. 2223, Ch. 67-1217 Special Acts 1967, of the State of Florida. The accounting policies of the City of Clermont, Florida, conform to accounting principles generally accepted in the United States of America as applicable to governments. The following is a summary of the more significant policies: Reporting Entity- Accounting principles generally accepted in the United States of America require that these financial statements present the City (the primary government) and its component units. Component units generally are legally separate entities for which a primary government is financially accountable. Financial accountability ordinarily involves meeting both of the following criteria: the primary government is accountable for the potential component unit (i.e., the primary government appoints the voting majority of its board) and the primary government is able to impose its will upon the potential component unit, or there is a possibility that the potential component unit may provide specific financial benefits or impose specific financial burdens on the primary government. The component unit discussed in this note is included in the City's reporting entity because of the significance of its operational or financial relationship with the City. Based upon the application of these criteria, the City has one blended component unit as follows: The City of Clermont Community Redevelopment Trust Fund The City of Clermont created the Downtown Redevelopment Agency in May of 1997. This is a dependent taxing district established in accordance with Chapter 163, Part III, Florida Statutes. Notification to affected taxing agency was done in compliance with Chapter 163.346, Part 111, Florida Statutes. The incremental annual increase in tax over the base years will be used to fund projects designed to enhance and improve the described area. The City Council, being the duly elected governmental body for the designated area, passed Resolution 97-950, which established the City of Clermont as the Redevelopment Agency for the purpose of carrying out the community redevelopment programs and plans within the area. Through Ordinance 359-M the City established the Community Redevelopment Trust Fund to account for all transactions generated by this expendable trust fund. Fund Accounting - The accounts of the City are organized on the basis of funds or account groups, each of which is considered a separate accounting entity. The operations of each fund are accounted for with a separate set of self -balancing accounts that comprise its assets, liabilities, fund equity, revenue and expenditures, or expenses, as appropriate. Government resources are allocated to and accounted for in individual funds based upon the purposes for which they are to be spent and the means by which spending activities are controlled. The various funds and account groups of the City are as follows: 16 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS -Continued September 30, 2003 Note 1 - Summary of Significant Accounting Policies (Continued): Governmental Fund Types General Fund - To account for all financial resources except those required to be accounted for in another fund. All general tax revenues and other receipts that are not allocated by law or contractual agreement to another fund are accounted for in this fund. The general operating expenditures, fixed charges, and capital improvement costs that are not paid through other funds are paid from the general fund. Special Revenue Funds - To account for the proceeds of specific revenue sources (other than expendable trust, or major capital projects) requiring separate accounting because of legal or regulatory provisions or administrative action. Debt Service Fund - To account for the accumulation of resources for, and the payment of general long-term debt principal and interest. Capital Projects Funds - To account for the acquisition and construction of major capital facilities other than those financed by proprietary funds and trust funds. Proprietary Fund Types Enterprise Funds - To account for operations that are financed and operated in a manner similar to private business enterprises, where the intent of the governing body is that costs of providing goods or services to the general public on a continuing basis be financed or recovered primarily through user charges, or where the governing body has decided that periodic determination of net income is appropriate for capital maintenance, public policy, management control, accountability, or other purposes. Internal Service Funds - To account for operations that provide services to other departments and funds on a cost -reimbursement basis. Fiduciary Fund Types Trust Funds - To account for assets held by the City in a trustee capacity for individuals, private organizations, other governments, and/or other funds. When these assets are held under the terms of a formal trust agreement, either a pension trust fund, a nonexpendable trust fund, or an expendable trust fund is used. The terms "nonexpendable" and "expendable" refer to whether or not the government is under an obligation to maintain the trust principal. 17 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS -Continued September 30, 2003 Note 1 - Summary of Significant Accounting Policies (Continued): Account Groups General Fixed Assets Account Group - To account for all fixed assets of the City, other than those accounted for in the enterprise funds. General Long -Term Debt Account Group - To account for the outstanding long-term obligations not otherwise recorded in enterprise, nonexpendable trust and pension trust funds. Basis of Accounting - The accounting and financial reporting treatment applied to a fund is determined by its measurement focus. All governmental funds and expendable trust funds are accounted for using a current financial resources measurement focus. With this measurement focus, only current assets and current liabilities generally are included on the balance sheet. Operating statements of these funds present increases (i.e., revenues and other financing sources) and decreases (i.e., expenditures and other financing uses) in net current assets. All proprietary funds, nonexpendable trust funds and pension trust funds are accounted for on a flow of economic resources measurement focus. With this measurement focus, all assets and all liabilities associated with the operation of these funds are included on the balance sheet or statement of plan net assets. Fund equity (i.e., net total assets) is segregated into contributed capital and retained earnings components. Proprietary fund -type operating statements present increases (e.g., revenues) and decreases (e.g., expenses) in net total assets. The City has chosen not to use FAS13 pronouncements issued after November 30, 1989, for its proprietary activities. The modified accrual basis of accounting is used by all governmental fund types and expendable trust funds. Under the modified accrual basis of accounting, revenues are recognized when susceptible to accrual (i.e., when they become both measurable and available,) "Measurable" means the amount of the transaction can be determined and "available" means collectible within the current period or soon enough thereafter to be used to pay liabilities of the current period. The government considers property taxes as available if they are collected within 60 days after year-end. A one-year availability period is used for revenue recognition for all other governmental fund revenues. Expenditures are recorded when the related fund liability is incurred. Principal and interest on general long-term debt are recorded as fund liabilities when due or when amounts have been accumulated in the debt service fund for payments to be made early in the following year. 18 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 1 - Summary of Significant Accounting Policies (Continued): Basis of Accounting (Continued) All major revenues, except property taxes and licenses, are considered measurable and available and, as such, susceptible to accrual. The accrual basis of accounting is utilized by proprietary fund types, pension trust funds and nonexpendable trust funds. Under this method, revenues are recorded when earned and expenses are recorded at the time liabilities are incurred. Cash and Cash Equivalents - For purposes of cash flows, cash includes amounts in demand deposits as well as short-term investments with a maturity date within three months of the date acquired by the government. Governmental fund investments, proprietary fund investments, and pension funds investments are reported at fair value. Accounts Receivable From Other Governments - Those amounts that represent a claim against another government, and are measurable, have been accrued. Receivables - Enterprise Funds maintain the direct write-off method of bad debt recognition due to the immateriality of amounts. The City has no concentrations of credit risk. Inventories - Inventories are stated at cost, using the FIFO method. Inventories are maintained by the General Fund and the Enterprise Funds. The City uses the consumption method in expensing governmental fund inventories. Restricted Assets - The restricted assets shown on the Enterprise Fund balance sheet represent those assets of the Enterprise Fund which are earmarked for specific purposes and cannot be used for paying general obligations of the Fund. The corresponding liability designated as payable from restricted assets represents the current maturities for which the restricted assets are accumulated. Amortization of Bond Discounts and Issuance Costs - Bond discounts and issuance costs are being amortized on a straight-line basis, which approximates the interest method, over the life of the bonds. Amortization of bond issuance costs amounted to $13,380 for the 2003 fiscal year. Amortization of bond discount, included in interest expense, amounted to $38,565 for the 2003 fiscal year. 19 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 1 - Summary of Significant Accounting Policies (Continued): Fixed Assets - General fixed assets are not capitalized in the funds used to acquire or construct them. Instead, capital acquisition and construction are reflected as expenditures in governmental funds, and the related assets are reported in the general fixed assets account group. All purchased fixed assets are valued at cost where historical records are available and at estimated historical cost where no historical record exists. Donated fixed assets are valued at their estimated fair market value on the date received. The costs of normal maintenance and repairs that do not add to the value of the asset or materially extend asset lives are not capitalized. Improvements are capitalized and depreciated over the remaining useful lives of the related fixed assets, as applicable. Public domain ("infrastructure") general fixed assets consisting of roads, bridges, curbs and gutters, street and sidewalks, drainage systems and lighting systems are capitalized by the City along with other general fixed assets. Assets in the general fixed assets account group are not depreciated. Depreciation of buildings, equipment and vehicles in the proprietary fund types is computed using the straight- line method, over the following estimated useful lives. Useful Proprietary Type Funds Lives (years) Buildings 25 - 40 Land Improvements 5 — 40 Equipment 3 — 35 Interest is capitalized on proprietary fund assets acquired with tax-exempt debt. The amount of interest to be capitalized is calculated by offsetting interest expense incurred from the date of the borrowing until completion of the project with interest earned on invested proceeds over the same period. Compensated Absences - The City accrues accumulated unpaid vacation when earned by the employee. Upon termination, the employee receives a cash benefit for the number of days accrued at the employee's current wage rate. The City pays a portion of unused sick leave for employees with at least ten (10) years of service. Such amounts have been accrued in the accompanying financial statements. Vacation pay is accrued when incurred in proprietary funds are reported as a fund liability. Vacation and sick pay that is expected to be liquidated with expendable available financial resources is reported as an expenditure and a fund liability of the governmental fund that will pay it. Amounts not expected to be liquidated with expendable available financial resources are reported in the general long-term debt account group. No expenditure is reported for these amounts. 20 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 1 - Summary of Significant Accounting Policies (Continued): Long-term Obligations - Long-term debt is recognized as a liability of a governmental fund when due. For other long-term obligations, only that portion expected to be financed from expendable available financial resources is reported as a fund liability of a governmental fund. The remaining portion of such obligations is reported in the general long-term debt account group. Long-term liabilities expected to be financed from proprietary fund operations are accounted for in those funds. Risk Management - The City exposed to various risks of loss related to torts, theft of, damage to and destruction of assets; errors and omissions; natural disasters; and job -related illnesses or injuries to employees. Significant losses are covered through participation in a local government non -assessable self-insurance pool. For these insured programs, there have been no significant reductions in insurance coverage. Settlement amounts have not exceeded insurance coverage for the current year or the three prior years. The City provides coverage for the first $40,000 per year in medical, dental, or prescription claims for each covered employee. The City purchases commercial insurance for claims in excess of coverage provided by the City with a total aggregate stop -loss of $1,000,000. Fund Equity Proprietary Funds - Contributed capital consists of funds from developers, and federal and state (capital) grants through September 30, 2000. There have been no additions to contributed capital since then because the City was required to implement GASB Statement No. 33. This statement requires governmental entities that use proprietary fund accounting to recognize capital contributions and impact fees received as revenues, not contributed capital. However, governments are not allowed to restate contributed capital arising from periods prior to implementation of Statement No. 33 until implementation of GASB Statement No. 34. Grants received for operating assistance are recorded as non - operating revenue. Reservations of retained earnings are created by increases in assets restricted for debt service, renewal and replacement, and other contractual obligations. These increases result from earnings on restricted assets and other intrafund transfers to (from) restricted accounts. Earnings on restricted assets are included in net income of the Proprietary Funds. Reserves are not established for bond proceeds deposited into construction accounts. Governmental Funds - Reserves of the governmental funds are limited to the portions of fund balance, which are either not subsequently appropriated for expenditures or legally segregated for specific use. 21 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 1 - Summary of Significant Accounting Policies (Continued): Interfund Transactions - Transactions which constitute reimbursements to a fund for expenditures (expenses) initially made are recorded as expenditures or expenses (as appropriate) in the reimbursing fund and as reductions of the expenditures (expenses) in the reimbursed fund. All interfund transactions except advances and reimbursements are accounted for as transfers. Non -recurring or non -routine transfers of equity between funds are considered residual equity transfers. All other interfund transactions are treated as operating transfers. Property Tax Recognition - The key dates in the property tax cycle (latest date where appropriate) are as follows: Assessment/lien date January 1 Assessment roll validate July 1 Millage resolution approved September 30 Beginning of fiscal year for which taxes have been levied October 1 Tax bills rendered and due November 1 Property taxes payable: Maximum discount November 30 Delinquent April 1 Tax certificates sold May 31 Property taxes are collected and remitted by the county tax collector. The City does not accrue its portion of county held tax sale certificates because such amounts are neither measurable nor available at balance sheet date. The statutory maximum tax rates, which may be assessed by the City, are as follows: Ad valorem millage Utility tax (electric, gas telephone) Utility tax (telecommunications service tax) 10 mills 10% 5.22% Total Columns on the Combined Statements - Overview - Total columns on the Combined Statements - Overview are captioned "Memorandum Only' to indicate that they are presented only to facilitate financial analysis. Data in these columns do not present financial position, results of operations, or changes in cash flows in conformity with accounting principles generally accepted in the United States of America. Neither is such data comparable to a consolidation. Interfund eliminations have not been made in the aggregation of this data. 22 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 2 - Stewardship, Compliance and Accountability: Budgets and Budgetary Accounting - Budgets are legally adopted for all of the City funds except the internal service fund and the pension trust funds. Budgets for governmental funds and the expendable trust fund are adopted on a basis consistent with generally accepted accounting principles. The budgets for the enterprise funds are prepared on the modified accrual basis of accounting, which is not the same basis of accounting that is used to account for the actual results of operations. The actual results of operations are accounted for on the accrual basis. The following item indicates the primary difference between the budgetary basis and the GAAP basis used to account for the results of operations in the enterprise funds: • Depreciation expense is not budgeted; however, expenses for capital outlays are budgeted. These outlays have been capitalized into fixed assets and eliminated from the results of operations on a GAAP basis. The City follows these procedures in establishing the budgetary data reflected in the financial statements: 1. Prior to August 31st, the City Manager submits to the City Council the proposed operating budget for the fiscal year commencing the following October 1st. The operating budget includes proposed expenditures and the means of financing them. 2. Public hearings are conducted to obtain taxpayer comments. 3. Prior to October 1st, the budget is legally enacted through passage of a resolution. The legal level of budgetary control is the department level. Administrative control is maintained at the object level through integration with accounting records. Appropriations lapse at the end of each fiscal year. Encumbrance accounting is not used by the City. The City Manager is authorized to transfer budgeted amounts within departments within any fund. However, any revisions that alter the total expenditures of a department must be approved by the City Council. During the year ended September 30, 2003, the City made several amendments to the budget. Budgeted amounts presented in the accompanying financial statements have been adjusted for legally authorized revisions. 23 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 2 - Stewardship, Compliance and Accountability (Continued): Excess of Expenditures over Appropriations - In the general fund, actual expenditures exceeded appropriations in the following departments: law enforcement $169,049; transportation $36,245 and library $4,353. In special revenue funds, actual expenditures exceeded appropriations in the Fire Impact Fee Fund. Deficit Fund Equity - At September 30, 2003, the Group Self Insurance Fund had a deficit retained earnings of $41,765. The City is increasing the premium in order to provide operating income for future years. At September 30, 2003, the Community Redevelopment Fund had a deficit fund balance of $17,966, which occurred because of the fund borrowing money from the general fund in prior years to pay off a loan. Note 3 - Deposits and Investments: Following are the components of the City's cash and investments at September 30, 2003: Unrestricted Restricted Total Cash and cash equivalents $ 2,597,277 $ 1,507,448 $ 4,104,725 Investments 17,375,263 16,649,910 34,025,173 $19,972,540 $18,157,358 $38,129, 998 Deposits - The Florida Security for Depositors Act identifies those financial institutions that have deposited the required collateral in the name of the treasurer of the State of Florida as qualified public depositories. The City only places deposits with qualified public depositories. Therefore, all City deposits are entirely insured by FDIC or Florida's Multiple Financial Institution Collateral Pool. At. September 30, 2003, the carrying amount of the City's deposits was $132,640 and the bank balance was $190,984. 24 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 3 - Deposits and Investments (Continued): Investments - The City's investment policies are governed by state statutes and City ordinances. Authorized investments are: 1. The Local Government Surplus Funds Trust Fund, (commonly referred to as the SBA). 2. Unites States Government Securities. 3. United States Government Agencies. 4. Interest -bearing time deposits or savings accounts in qualified public depositories, as defined in s. 280.02. 5. Repurchase Agreements 6. Commercial paper that is rated "Prime-1" by Moody's or "A-1" by Standard and Poors. 7. Bankers' Acceptances with either a "Prime-1" or " "A-1" rating. 8. Registered investment companies. 9. Intergovernmental investment pool that is authorized pursuant to Section 163.01 Florida Statutes, and provided that said funds contain no derivatives. The SBA is not a registrant with the Securities and Exchange Commission (SEC): however, the Board has adopted operating procedures consistent with the requirements for a 2a-7 fund. Therefore the pool account balance (amortized cost) can be used as fair value for financial reporting. The assets of the City's police and firefighters pension funds, as well as the general employees defined benefit pension fund, are invested in the pooled investment fund for the Florida Municipal Pension Trust Fund. (FMPTF). Investments held in this fund consist if corporate bonds and stocks and cash equivalents. The fund is stated at fair value, and investment earnings are allocated to participants in the fund based on their equity participation. The pension funds' equity in this pooled investment account is stated at fair value as provided by the Florida Municipal Pension Fund. 25 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 3 - Deposits and Investments (Continued): Investments (Continued) - The City's investments are categorized to give an indication of the level of risk assumed by the City at September 30, 2003: Category 1 includes investments that are insured or registered for which the City or its agent in the City's name holds the securities. Category 2 includes uninsured and unregistered investments for which counterparty's trust department or agent in the City's name holds the securities. Category 3 includes uninsured and unregistered investments for which the securities are held by counterparty, its trust department or agent, but not in the City's name. The assets of the City's general employees defined contribution pension fund are also invested in mutual funds of Citistreet. Investments in the SBA, FMPTF and Citistreet are not required to be categorized since these investments are in pooled investment funds and mutual funds and therefore not evidenced by securities that exist in physical or book entry form. At September 30, 2003, the City's investment balances were as follows: U.S. Treasury Notes Repurchase Agreement Investments not subject to categorization: SBA Local Government Investment Pool Florida Municipal Pension Pension Trust Fund Citistreet Category Reported Amount 1 2 3 Fair Value $ - $6,762,395 $ - 3,972,086 6,762,395 3,972,086 Note 4 - Community Development Block Grant Fund Mortgages Receivable: $ 6,762,395 3,972.08 10,734,481 20,724,618 4,668,934 1, 869.225 37,997,258 The City rehabilitated houses using Community Development Block Grant funds. A mortgage for the amount of rehabilitation costs was recorded for each house. Twenty percent of the mortgage is forgiven each year the homeowner continues to live in the home and properly maintains it. In each of the next five years, the amount of mortgages receivable will be reduced, along with a corresponding amount of deferred revenue. During the year ended September 30, 2003, $32,833 of the original mortgage amounts was forgiven. 26 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 5 - Property, Plant and Equipment: During the fiscal year ended September 30, 2003, the following changes in general fixed assets occurred: Balance Balance 9-30-02 Additions Deletions 9-30-03 Land $ 2,667,480 $ 92,106 $ - $ 2,759,586 Buildings 4,092,572 4,694,332 - 8,786,904 Improvements 7,950,372 1,504,497 - 9,454,869 Machinery and equipment 3,361,041 1,093,073 (78,648) 4,375,466 Construction in progress 2.168.439 4.613.469 �(6,708.975) 72,933 Total $20,239,904 $11,997,477 ) $25.449,758 The components of property, plant and equipment for the proprietary fund types at September 30, 2003 are: Proprietary Fund Types Enterprise Land $ 1,464,129 Water system 9,653,032 Sewer system 22,852,064 Improvements 954,229 Equipment 2,270,213 Construction in progress 567.346 Total assets 37,761,013 Less: Accumulated depreciation 9,516,159 Net $28,244,854 Note 6 - Retirement Plans: The City maintains three separate single -employer, defined benefit pension plans for general employees, sworn police officers and firefighters, respectively as well as a defined contribution plan for general employees. The investment and administrative agent for the defined benefit plans is the Florida Municipal Pension Trust Fund, an agent of the multiple -employer Public Employee Retirement System. The assets of the defined contribution plan were administered by Citistreet. 27 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 6 - Retirement Plans (Continued): Defined Benefit Pension Plans - Each plan is independently governed by separate boards of trustees. Assets may not be transferred between plans, or used for any purpose other than to benefit each plan's participants as defined in their authorizing ordinances. Each board contracts with the Florida Municipal Pension Trust Fund (FMPTF), a private, not -for -profit corporation established by the Florida League of Cities (FLC) for FLC members who wish to use its services. The FMPTF acts as a common investment and administrative agent for its members, contracting with a bank custodian, investment manager and actuary to provide a commingled investment fund and plan valuation services. These plans are included as part of the City's reporting entity in Pension Trust Funds. The Clermont City Commission adopted and may amend plan provisions by resolution. Stand-alone audited financial statements of the FMPTF are maintained on file at the FLC offices in Tallahassee, Florida, and are available upon request to the Pension Services Division. Summary of Significant Accounting Policies Basis of Accounting - The Plans' financial statements are prepared using the accrual basis of accounting. Plan member contributions are recognized in the period in which the contributions are due. Employer contributions to each Plan are recognized when due and the employer has made a formal commitment to provide the contributions. Benefits and refunds are recognized when due and payable in accordance with the terms of each plan. Method Used to Value Investments - Investments are reported at fair value. Short-term investments are reported at cost, which approximates fair value. Securities traded on a national or international exchange are valued at the last reported sales price at current exchange rates. Investments that do not have an established market are reported at estimated fair value. Description of Plans - The General Employees Defined Benefit Pension Plan is for general employees hired prior to September 30, 1985. The police officer and firefighters defined benefit pension plans are both local law, single employer, defined benefit pension plans as defined under Florida Statutes, Chapters 175 and 185, which covers all sworn police officers and firefighters. Employees are eligible to participate in the plan immediately upon employment with the City, and they are vested in the plan after ten years of service. The normal retirement date for firefighters is the attainment of age 55 and 10 years of service, or earlier attainment of age 52 and 25 years of service. The normal retirement date for police officers is the attainment of age 55 and 10 years of service, or 20 years of service, regardless of age. The normal retirement benefit is the number of years of credited service prior to October 1, 2002 multiplied by 2.25%, and the number of years of credited service after October 1, 2002 multiplied by 3%, and multiplied by the average final monthly compensation. Early retirement is available after age 50 and 10 years of service; however, the early retirement benefit is reduced by 2% for each year before the normal retirement date. 28 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 6 - Retirement Plans (Continued): Membership in each of the defined benefit pension plans at September 30, 2003 was as follows: General Police Membership and Provisions Employees Officers Firefighters Members Retirees/beneficiaries receiving Benefits 13 4 1 Vested terminated employees - 4 4 Active participating employees - 29 35 13 37 40 Funding Policy - The City's actuarially determined contribution rate per the October 1, 2002 actuarial valuations is 0% for general employees, 15.5% for police officers and 15.4% for firefighters. Police officers make a minimum mandatory contribution of 3% and firefighters make a minimum mandatory contribution of 1 %, in order to take advantage of the insurance premium tax rebate provided for in the statutes. Administrative costs are deducted from the net assets the plan. Annual Pension Cost and Net Pension Obligation - The City has contributed the Annual Required Contribution (ARC) each year, since plan inception and thus has not had, or had need to report, a Net Pension Obligation (NPO). In accordance with GASB Statement No. 27, the City calculated the potential for a net pension liability (asset) and reaffirmed that none existed at September 30, 2003. State law requires that actuarial valuations of the Police and Fire Plan be performed at least every three years. An actuarial valuation was performed as of October 1, 2002. The actuarial and census information contained herein, unless otherwise indicated, reflects the status of the Plan as of the actuarial valuation date. ie CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 6 - Retirement Plans (Continued): Required Supplementary information is as follows: Schedule of Contributions from the Employer and Other Contributing Entities General Employees Police Officers Firefihters Annual Percentage Annual Percentage Annual Percentage Year ended Required Of ARC Required Of ARC Required Of ARC September 30 Contribution Contributed Contribution Contributed Contribution Contributed 2003 $8,091 100% $170,345 100% $83,365 100% 2002 5,301 100% 87,526 100% 10,283 100% 2001 10,022 100% 100,216 100% 10,252 100% 2000 9,936 100% 80,737 100% 9,097 100% 1999 5,341 100% 70,318 100% 5,397 100% 1998 12,094 100% 61,966 100% 8,039 100% Notes to the Required Supplementary Information - The information presented in the required supplementary schedule was determined as part of the actuarial valuation at October 1, 2002. Additional information applies as follows: Actuarial Cost Method Amortization Method Remaining Amortization Period Asset Valuation Method Actuarial Assumptions: Investment rate of return Projected salary increases (including inflation of 3.5%) Cost of living adjustment General Employees Aggregate Cost N/A N/A Market Value 7.5% 6.0% N/A Police Officers Aggregate Cost N/A N/A Market Value 7.5% 5.5% N/A Firefighters Aggregate Cost N/A N/A Market Value 7.5% 5.5% N/A As noted above, the plans all use the aggregate actuarial cost method, which does not identify or separately amortize unfounded actuarial liabilities. Therefore, presentation of a schedule of funding progress is not required. During the year none of the above plans held securities issued by the employer. There were several factors in 2003 that significantly increased the annual required contribution for police officers and firefighters. Both future and past benefit accruals were upgraded to a higher percentage per year of credited service. Also, the required contribution percentage increased because the actual investment return was below the actuarial assumed rate of 7.5%. 30 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 6 - Retirement Plans (Continued): General Employee Defined Contribution Pension Plan - The defined Contribution Pension Plan for General Employees of the City of Clermont was established October 1, 1985, as defined in Chapter 16, Article IV, of the Clermont Code, and is available to all permanent general employees of the City. Employees are fully vested in the plan after ten years of service. In a defined contribution plan, benefits depend solely on amounts contributed to the plan, plus investments earnings. Contributions for, and interest forfeited by, employees who terminate employment before five years of service are used to reduce the City's current period contributions. Covered payroll for this Plan for fiscal year 2003 was $3,264,474; the City's total payroll was $5,326,439. The City contributes annually to the pension account of each active participant an amount equal to eight percent (8%) of the employee's annual compensation. No contribution is required by employees. The City of Clermont City Commission adopted and may amend plan provision by resolution. The required contribution by the City for fiscal year 2003 was $268,221, less forfeitures of $57,978. Actual contribution was $210,243. Note 7 - Post -retirement Benefits: Retired employees have the option of continuing the same type of health and dental insurance coverages available to them while they were employed with the City. The cost of the premiums is paid totally by the retirees. Note 8 - Bonds and Notes Payable: The City issues bonds to provide funds for the acquisition facilities. Bonds have been issued for both general gov( These bonds are reported in the proprietary funds if the) proprietary fund revenues. The City also has some notes debt group which are being repaid by the General Fund Revenue Fund. and construction of major capital rnment and proprietary activities. are expected to be repaid from payable in the general long-term and the Fire Impact Fee Special 31 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 8 - Bonds and Notes Payable (Continued): Summarized below are the City's bonds and notes outstanding at September 30, 2003: Water and Sewer Fund - Water and Sewer Refunding Revenue Refunding Bonds, Series 2000, payable in annual installments of $100,000 (beginning December 2004) to $1,235,000 through 2030 with semi-annual interest payments at 4.4% to 5.375%. The net revenues of the water and sewer funds are pledged to secure the repayment of the debt. Less: Current Maturities Bond Discounts Total General Long -Term Debt Account Group - Public Improvement Revenue Bond, Series 2002, payable in annual installments of $315,000 to $600,000 through 2017 with semi-annual interest payments at 1.75% to 4.6%. Capital Improvement Notes, Series 1998A due to SunTrust Bank in five annual calendar year installments of $80,829 (including interest) and two annual installments of $22,979 starting December 1999. The notes bear an interest rate of 3.95% and are secured by the City's general government revenues. The loan was obtained to upgrade the City's computer system, achieve Y2K compliance and purchase a fire truck. Capital Improvement Notes, Series 1999 due to SunTrust Bank in ten annual installments of $40,264 (including interest) beginning December 2000. The notes bear an interest rate of 5.742%. The loan was obtained to purchase a fire truck. Note payable to Bank of America, dated May 23, 1980, due in 24 annual installments of $4,417 each, starting May 23, 1982, plus interest at 5 Y2% per annum, secured by the gasoline tax revenues of the City. Note payable to GMAC in twelve quarterly installments of $2,440 each, starting July 2003, including interest at 4.65%, secured by vehicle. Total: $17,935,000 (654.787) $17,280,213 6,965,000 119,481 226,843 9,396 25,060 7 345 780 32 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 8 - Bonds and Notes Payable (Continued): Following is a maturity schedule of outstanding bonds and notes payable: Year Ended General Long -Term Debt Water and Sewer Fund Total Debt September 30 Principal Interest Principal Interest Service 2004 $ 506,511 $ 267,764 $ - $ 932,128 $ 1,706,403 2005 459,207 255,965 100,000 929,928 1,745,100 2006 464,715 243,190 150,000 924,352 1,782,257 2007 447,205 229,506 230,000 915,802 1,822,513 2008 459,054 214,838 390,000 901,657 1,965,549 2009-2013 2,439,088 806,184 2,250,000 4,210,194 9,705,466 2014-2018 2,570,000 269,560 2,855,000 3,585,631 9,280,191 2019-2023 - - 3,675,000 2,737,103 6,412,103 2024-2028 - - 4,765,000 1,612,904 6,377,904 2029-2032 - - 3,520000 290.250 3.810.250 $7 345,780 $2,287,007 $17 935,000 $17 039,949 $ 44,607 736 During the year ended September 30, 2003, the following changes in general long-term debt occurred: Bonds Notes Mortgages Compensated Payable Payable Payable Absences Total Balance at October 1, 2002 Debt proceeds Principal payments Increase (decrease) in compensated absences Balance at September 30, 2003 $ 7,095,000 $ 445,301 $ 13,813 27,500 - (130,000) (101,417) (4,417) $ 6 965,000 $ 371,384 _ 9,396 Note 9 - Advance Refunding: $ 158,601 $7,712,715 - 27,500 - (235,834) (11,076) 01.076) 147,525 7 493 05 In prior years, the City defeased its 1972 and 1988 bond issues by placing the proceeds of new bonds in an irrevocable trust to provide for all future debt service payments on the old bonds. Accordingly, the trust account assets and the liability for the defeased bonds are not included in the City's financial statements. On September 30, 2003, $1,575,000 of bonds outstanding are considered defeased. 33 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 9 -Advance Refunding (Continued): During 2001, the City advance refunded its outstanding $2,790,000 City of Arcadia Dedicated Pool Local Government Revenue Bonds, Series 1993 by placing the proceeds of new bonds in an irrevocable trust to provide for future debt service payments on the old debt. Therefore, the trust account assets and the liability for the defeased bonds are not included in the City's financial statements. At September 30, 2003, $2,200,000 bonds outstanding are considered defeased. Note 10 - Interfund Receivables and Payables: Individual fund interfund receivable and payable balances at September 30, 2003, are as follows: General Fund Water Fund Sewer Fund Community Redevelopment Fund Total Interfund Receivables and Advances $ 44,040 1,021,733 $1,065,773 Interfund Payables and Advances 1,021,733 44, 040 $1,065,773 34 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 11 -Risk Management: During fiscal year 1990, the City established an internal service fund to account for its uninsured risk of loss for employee medical and dental coverage. Under this program, the fund provides coverage for the first $40,000 per year in medical, dental, or prescriptions claims for each covered employee. The City purchases commercial insurance for claims in excess of coverage provided by the fund with a total aggregate stop -loss of $1,000,000. There has been no reduction in insurance coverage from that carried in the prior year. Claims paid have not exceeded insurance coverage in any of the past three fiscal years. The general, water, sewer, sanitation and stormwater funds participate in the program and make payments to the internal service fund based on the number of employees budgeted in each fund. Claims liabilities, beginning of year Incurred claims Payments on claims Claims liabilities, end of year 2003 2002 2001 $ 142,709 $ 59,815 $ 37,212 931,951 689,030 568,652 i 1.011.890) [606.136) i546,049) 62 770 142 709 59 815 Unpaid claims are based on reported claims up to sixty days after year end and personal knowledge of any employees' major health crisis. Note 12 - Commitments: At September 30, 2003 the City had committed to the following construction projects: Contracted Amount Cost Incurred to Date Bell property purchase $1,500,000 $ 3,850 Sunburst Lane/Lakeview Wells No. 5 and No. 4 $ 342,150 $101,808 Note 13 - Summary Disclosure of Significant Contingencies: Litigation - During the ordinary course of its operations, the City is a party to various claims, legal actions and complaints. In the opinion of the City's management and legal counsel, these matters are not anticipated to have a material financial impact on the City. 35 CITY OF CLERMONT, FLORIDA NOTES TO FINANCIAL STATEMENTS - Continued September 30, 2003 Note 14 - Segment Information for Enterprise Funds: The City maintains four enterprise funds, which provide water, sewer, sanitation and stormwater services. Segment information for the year ended September 30, 2003 is as follows: Water Sewer Sanitation Stormwater Total Operating Revenues 13533 383 $ 2.299 948 _$1 6= 26.189 504 732 17 964 252 Depreciation and Amortization 314,686 533,545 6$,255 30.679 447,165 Operating Income (Loss) 1,469 647 54-237 289,587 1,999,862 Operating Grants Operating Transfers: In - - - - - Out (302,070) (5,00) l: 365) (1 683) (312 166) Net Income 2,387 550 4,605,401 186 528 296,022 7.475 501 Current Capital Contributions - - - - - Property Additions 555,258 947,125 - 64,266 1,566,649 Property Deletions - - - - Net Working Capital 5,326,622 338,158 51.1.12$ 7 11 731 6 937 639 Total Assets 19 882 583 32,608,000 868,727 1.742.036 55.101.346 Long-term Debt 7,181 598 10 219,032 24,591 4,601 17 429 Total Equity 12,250,589 21.067 091 7662aO 35.810 575 36 COMBINING AND INDIVIDUAL FUND AND ACCOUNT GROUP STATEMENTS These financial statements provide a more detailed view of the "General Purpose Financial Statements" presented in the preceding subsection_ Combining statements are presented when there are more than one fund of a given fund type. Individual statements for the General Long -Term Debt Account Group have not been presented since this Account Group has been presented in its entirety in the General Purpose Financial Statements Section and therefore presentation in this section would be redundant. GOVERNMENTAL FUND TYPES r GENERAL FUND The General Fund accounts for all revenues and expenditures of the City that are not required to be accounted for in other funds. It receives a greater variety and number of taxes and other general revenues than any other fund. CITY OF CLERMONT, FLORIDA GENERAL FUND STATEMENT OF REVENUES EXPENDITURES AND CHANGES IN FUND BALANCE BUDGET AND ACTUAL For The Year Ended September 30, 2003 Variance Favorable Budget Actual (Unfavorable) Revenues: Taxes: Ad valorem $ 2,555,912 $ 2,591,375 $ 35,463 Local option gas tax 226,800 243,126 16,326 Franchise taxes 832,400 922,121 89,721 Utility taxes 1,009,000 1,172,270 163,270 Telecommunication service taxes 800,000 808,813 .8,813 5,424,112 5,737,705 313,593 Licenses and permits: Professional and occupational 65,000 69,162 4,162 Other permits 150,000 208,102 58,102 215,000 277,264 62,264 Intergovernmental revenues: State revenue sharing 193,800 207,304 13,504 Mobile home and alcoholic beverage licenses 22,930 20,531 (2,399) Half -cent sales tax 497,000 540,717 43,717 Motor fuel tax rebate 10,500 10,748 248 Municipality share of county occupational licenses 11,275 14,789 3,514 Municipality share of one -cent voted gas tax 60,000 70,776 10,776 Municipality share of EMS tax 71,000 72,014 1,014 Grants 33,126 49,368 16,242 899,631 986,247 86,616 Charges for services: Public safety 3,600 3,340 (260) Program activity fees 40,000 46,868 6,868 Administrative service fee 328,217 328,217 - 371,817 378,425 6,608 Fines and forfeitures: Court fines 115,000 86,709 (28,291) Police education and automation 35,000 18,904 (16,096) False alarms 4,000 5,250 1,250 Confiscations 2,000 - (2,000) Code violations - 3,150 3,150 156,000 114,013 (41,987) Investment income 68,450 79,666 11,216 Miscellaneous revenues: Rentals 114,465 145,070 30,605 Memorial sales and surplus equipment 3,000 5,245 2,245 Contributions and other 11,200 68,570 57,370 128,665 218,885 90,220 Total Revenues $ 7,263,675 $ 7,792,205 $ 528,530 37 CITY OF CLERMONT, FLORIDA GENERAL FUND STATEMENT OF REVENUES. EXPENDITURES AND CHANGES IN FUND BALANCE BUDGET AND ACTUAL (Continued) For The Year Ended September 30, 2003 Variance Favorable Budget Actual (Unfavorable) Expenditures: General government: Legislative $ 64,272 $ 43,221 $ 21,051 Executive 190,672 183,767 6,905 Finance and administrative 383,367 369,357 14,010 Legal services 68,000 67,705 295 Planning and zoning 567,594 371,174 196,420 Other general services 320,487 319,361 1,126 Total general government 1,594,392 1,354,585 239,807 Public safety: Law enforcement 2,501,546 2,670,595 (169,049) Fire control 1,118,921 1,107,257 11,664 Total public safety 3,620,467 3,777,852 (157,385) Physical environment: 38,206 35,237 2,969 Total physical environment 38,206 35,237 2,969 Transportation: 773,397 809,642 (36,245) Total transportation 773,397 809,642 (36,245) Economic Environment: 32,260 25,856 6,404 Total economic environment 32,260 25,856 6,404 Human Services: Animal control 109,627 88,638 20,989 Total human services 109,627 88,638 20,989 Culture and recreation: Library 199,941 204,294 (4,353) Parks and recreation 1,329,018 1,129,920 199,098 Total culture and recreation 1,528,959 1,334,214 194,745 Debt service: Principal retirement 60,394 60,394 - Interest 4,015 3,310 705 Total debt service 64,409 63,704 705 Total expenditures $7,761,717 $7,489,728 $ 271,989 38 SPECIAL REVENUE FUNDS The Special Revenue Funds are used to account for the proceeds of specific revenue sources (other than special assessments, expendable trust, or major capital projects) that are legally restricted to expenditure for specified purposes. The General Fund pays certain administrative expenses. INFRASTRUCTURE FUND To account for the proceeds of the Local Government Infrastructure Surtax to be received by the City until December 2017. The proceeds and interest accrued thereto, by law are only to be used to finance, plan and construct infrastructure. RECREATION IMPACT FEE FUND To account for the recreation impact fees collected from new developments constructed in the City. POLICE IMPACT FEE FUND To account for the police impact fees collected from new developments constructed in the City. FIRE IMPACT FEE FUND To account for the fire impact fees collected from new developments constructed in the City. BLOCK GRANT FUND To account for the Community Development Block Grant from the U.S. Department of Housing and Urban Development. CITY OF CLERMONT, FLORIDA Assets: Cash and cash equivalents Investments Interfund receivable Due from other governments Total assets COMBINING BALANCE SHEET ALL SPECIAL REVENUE FUNDS September 30, 2003 Recreation Police Fire Infra- Impact Impact Impact Structure Fee Fee Fee Total Special Block Revenue Grant Funds $ 143,577 $ 158,578 $ 137,643 $ 102,849 $ - $ 542,647 365,860 538,661 527,657 193,825 - 1,626,003 162,577 90,000 - - - 252,577 $ 672,014 $ 787,239 $ 665,300 $ 296,674 $ - $ 2,421,227 Liabilities and Fund Balances: Liabilities: Accounts payable $ - $ - $ $ $ Contracts payable - retainage - - - Interfund payable - - - - Deferred developer credits - - 34,978 37,149 Deferred revenue 12,824 - - - Total liabilities 12,824 - 34,978 _ 37,149 Fund Balance 659,190 787,239 630,322 259,525 Total liabilities and fund balance $ 672,014 $ 787,239 $ 665,300 $ 296,674 $ - 72,127 - 12,824 84,951 - 2,336,276 $ 2,421,227 0 CITY OF CLERMONT, FLORIDA COMBINING STATEMENT OF REVENUES. EXPENDITURES AND CHANGES IN FUND BALANCES ALL SPECIAL REVENUE FUNDS For The Year Ended September 30, 2003 Revenues: Taxes Intergovernmental revenues Impact fees/special assessments Investment income Total revenues Expenditures: Current: General government Public safety Economic environment Culture and recreation Debt service: Principal retirement Interest and fiscal charges Total expenditures Excess (Deficiency) of Revenues Over Expenditures Other Financing Sources (Uses): Operating transfers in Operating transfers out Total other financing sources (uses) Excess (Deficiency) of Revenues and Other Financing Sources Over Expenditures and Other Financing Use Fund Balances -Beginning of Year Fund Balances -End of Year Total Recreation Police Fire Special Infra- Impact Impact Impact Block Revenue Structure Fee Fee Fee Grant Funds $ 996,162 $ - $ - $ - $ - $ 996,162 - 90,000 - - 75,803 165,803 - 789,253 331,549 303,547 - 1,424,349 6,476 5,096 8,612 3,443 - 23,627 1,002,638 884,349 340,161 306,990 75,803 2,609,941 92,107 - - - - 92,107 - - 172,641 17,751 - 190,392 - - - - 320,688 320,688 3,920 178,183 - - - 182,103 - - - 45,440 - 45,440 - - - 16,868 - 16,868 96,027 178,183 172,641 80,059 320,688 847,598 906,611 706,166 167,520 226,931 (244,885) 1,762,343 - - - - 244,885 244,885 (654,312) - - (78,991) - (733,303) (654,312) - - (78,991) 244,885 (488,418) s 252,299 706,166 167,520 147,940 - 1,273,925 406,891 81,073 462,802 111,585 - 1,062,351 $ 659,190 $ 787,239 $ 630,322 $ 259,525 $ - $ 2,336,276 40 40 CITY OF CLERMONT, FLORIDA COMBINING STATEMENT OF REVENUES EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL ALL SPECIAL REVENUE FUNDS For The Year Ended September 30, 2003 Revenues: Taxes Intergovernmental revenues Impact fees/special assessments Investment income Total revenues Expenditures: Current: General government Public safety Transportation Economic environment Culture and recreation Debt service: Principal retirement Interest and fiscal charges Total expenditures Excess (Deficiency) of Revenues Over Expenditures Other Financing Sources (Uses): Operating transfers in Operating transfers out Total other financing sources (uses) Excess (Deficiency) of Revenues and Other Financing Sources Over Expenditures and Other Financing Uses Fund Balances - Beginning of Year Fund Balances - End of Year Infrastructure Variance Favorable Budget Actual (Unfavorable) $ 798,800 $ 996,162 $ 197,362 15,400 6,476 (8,924) 814,200 1,002,638 188,438 92,107 92,107 - 35,000 - 35,000 75,800 3,920 71,880 202,907 96,027 106,880 611,293 906,611 295,318 (642,140) (654,312) (12,172) (642,140) (654,312) (12,172) (30,847) 252,299 283,146 255,582 406,891 151,309 $ 224,735 $ 659,190 $ 434,455 41 Recreation Impact Fee Police Impact Fee Variance Variance Favorable Favorable Budget Actual (Unfavorable) Budget Actual (Unfavorable) - 90,000 90,000 - - - 500,000 789,253 289,253 130,000 331,549 201,549 4,000 5,096 1,096 6,500 8,612 2,112 504,000 884,349 380,349 136,500 340,161 203,661 - - - 200,241 172,641 27,600 190,856 178,183 12,673 - - - 12,673 27,600 172,641 178,183 200,241 190,856 313,144 706,166 393,022 (63,741) 167,520 231,261 313,144 706,166 393,022 (63,741) 167,520 231,261 39,072 81,073 42,001 546,863 462,802 (84,061) $ 352,216 $ 787,239 $ 435,023 $ 483,122 $ 630,322 $ 147,200 (Continued) 42 CITY OF CLERMONT, FLORIDA COMBINING STATEMENT OF REVENUES EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL ALL SPECIAL REVENUE FUNDS (Continued For The Year Ended September 30, 2003 Fire Imoact Fee Variance Favorable Budget Actual (Unfavorable) Revenues: Taxes $ - $ - $ - Intergovernmental revenues - - - Impact fees/special assessments 125,000 303,547 178,547 Investment income 4,200 3,443 (757) Total revenues 129,200 306,990 177,790 Expenditures: Current: General government - - - Public safety 17,400 17,751 (351) Transportation - - - Economic environment - - - Culture and recreation - - - Debt service: Principal retirement 45,440 45,440 - Interest and fiscal charges 16,675 16,868 (193) Total expenditures 79,515 80,059 (544) Excess (Deficiency) of Revenues Over Expenditures 49,685 226,931 177,246 Other Financing Sources (Uses): Operating transfers in - - - Operating transfers out (78,991) (78,991) - Total other financing sources (uses) (78,991) (78,991) - Excess (Deficiency) of Revenues and Other Financing Sources Over Expenditures and Other Financing Uses Fund Balances - Beginning of Year Fund Balances - End of Year (29,306) 147,940 177,246 211,452 111,585 (99,867) $ 182,146 $ 259,525 $ 77,379 43 Block Grant Totals Variance Variance Favorable Favorable Budget Actual (Unfavorable) Budget Actual (Unfavorable) $ - $ - $ - $ 798,800 $ 996,162 $ 197,362 - 75,803 75,803 - 165,803 165,803 - - - 755,000 1,424,349 669,349 - - - 30,100 23,627 (6,473) - 75,803 75,803 1,583,900 2,609,941 1,026,041 - - - 92,107 92,107 - - - - 217,641 190,392 27,249 - - - 35,000 - 35,000 351,746 320,688 31,058 351,746 320,688 31,058 - - - 266,656 182,103 84,553 - - - 45,440 45,440 - - - - 16,675 16,868 (193) 351,746 320,688 31,058 1,025,265 847,598 177,667 (351,746) (244,885) 106,861 558,635 1,762,343 1,203,708 232,713 244,885 12,172 232,713 244,885 12,172 - - - (721,131) (733,303) (12,172) 232,713 244,885 12,172 (488,418) (488,418) - (119,033) - 119,033 70,217 1,273,925 1,203,708 119,033 - (119,033) 1,172,002 1,062,351 (109,651) $ - $ - $ - $ 1,242,219 $ 2,336,276 $ 1,094,057 44 DEBT SERVICE FUNDS The Debt Service Funds are used to account for the accumulation of resources and payment of bond principal and interest from governmental resources. PUBLIC IMPROVEMENT REVENUE BONDS FUND This fund is used to account for accumulation of resources and payment of principal and interest for the Public Improvement Revenue Bonds, Series 2002. SALES TAX REVENUE BOND SINKING FUND This fund is used to account for the accumulation of resources and payment of principal and interest for the Sales Tax Revenue Bonds, Series 1989. CITY OF CLERMONT, FLORIDA COMBINING BALANCE SHEET ALL DEBT SERVICE FUNDS September 30, 2003 Assets: Cash and cash equivalents Total assets Liabilities and Fund Balances: Liabilities: Accrued interest payable Total liabilities Fund Balance: Reserved for debt service Total liabilities and fund balance Public Sales Tax Improvement Revenue Revenue Bond Sinking Bonds Fund Fund Totals $ 344,728 $ - $ 344,728 $ 344,728 $ - $ 344,728 344,728 - 344,728 $ 344,728 $ - $ 344,728 45 CITY OF CLERMONT, FLORIDA COMBINING STATEMENT OF REVENUES EXPENDITURES AND CHANGES IN FUND BALANCES ALL DEBT SERVICE FUNDS For The Year Ended September 30, 2003 Revenues: Investment income Total revenues Expenditures: Debt service: Principal retirement Interest and fiscal charges Total expenditures Excess (Deficiency) of Revenues Over Expenditures Other Financing Sources: Operating transfers in Total other financing sources (uses) Excess (Deficiency) of Revenues and Other Financing Sources Over Expenditures and Other Financing Uses Fund Balances - Beginning of Year Public Improvement Revenue Bond Fund Sales Tax Revenue Bond Sinking Fund $ 1,472 $ 1,472 Totals 594 $ 2,066 594 2,066 - 130,000 130,000 227,101 9,665 236,766 227,101 139,665 366,766 (225,629) (139,071) (364,700) 493,691 92,683 586,374 493,691 92,683 586,374 268,062 (46,388) 76,666 46,388 221,674 123,054 Fund Balances - End of Year $ 344,728 $ - $ 344,728 46 CITY OF CLERMONT, FLORIDA COMBINING STATEMENT OF REVENUES EXPENDITURES AND CHANGES IN FUND BALANCES - BUDGET AND ACTUAL DEBT SERVICE FUNDS For The Year Ended September 30, 2003 Revenues: Investment income Total revenues Expenditures: Debt service: Principal retirement Interest and fiscal charges Total expenditures Excess (Deficiency) of Revenues Over Expenditures Other Financing Sources: Operating transfers in Total other financing sources (uses) Excess (Deficiency) of Revenues and Other Financing Sources Over Expenditures and Other Financing Uses Fund Balances - Beginning of Year Public Improvement Revenue Bond Fund Variance Favorable Budget Actual (Unfavorable) $ 2,000 $ 1,472 $ (528) 2,000 1,472 (528) 275,262 227,101 48,161 275,262 227,101 48,161 (273,262) (225,629) 47,633 273,262 493,691 220,429 273,262 493,691 220,429 268,062 268,062 76,666 76,666 Fund Balances - End of Year $ - $ 344,728 $ 344,728 47 Sales Tax Revenue Bond Sinking Fund Variance Favorable Budget Actual (Unfavorable) Budget Totals Variance Favorable Actual (Unfavorable) $ 1,100 $ 594 $ (506) $ 3,100 $ 2,066 $ (1,034) 1,100 594 (506) 3,100 2,066 (1,034) 139,165 130,000 9,165 139,165 130,000 9,165 750 9,665 (8,915) 276,012 236,766 39,246 139,915 139,665 250 415,177 366,766 48,411 (138,815) (139,071) (256) (412,077) (364,700) 47,377 138,815 92,683 (46,132) 412,077 586,374 174,297 138,815 92,683 (46,132) 412,077 586,374 174,297 (46,388) (46,388) - 221,674 221,674 46,388 46,388 - 123,054 123,054 $ - $ - $ - $ - $ 344,728 $ 344,728 48 UP PROPRIETARY FUND TYPES ENTERPRISE FUNDS Enterprise Funds are used to account for operations (a) that are financed and operated in a manner similar to private business enterprises where the intent of the governing body is that the costs (expenses, including depreciation) of providing goods or services to the general public on a continuing basis be financed or recovered primarily through user charges; or (b) where the governing body has decided that periodic determination of revenues earned, expenses incurred, and/or net income is appropriate for capital maintenance, public policy, management control, accountability, or other purposes. WATER FUND To account for the provision of water services to City residents and some out -of -city customers. All activities necessary to the provision of these services are accounted for in this fund, including, but not limited to administration, plant and line maintenance. SEWER FUND To account for the provision of services to City residents and some out -of -city customers. All activities necessary to the provision of these services are accounted for in this fund, including, but not limited to administration, plant and line maintenance. SANITATION FUND To account for the provision of garbage and trash removal service to the residents of the City. All activities necessary to the provision of these services are accounted for in this fund. STORMWATER UTILITY FUND To account for the construction and maintenance of stormwater drainage systems within the City. All activities necessary to the provision of this service are accounted for in this fund. CITY OF CLERMONT, FLORIDA COMBINING BALANCE SHEET ALL ENTERPRISE FUNDS September 30, 2003 Total Storm- Enterprise Water Sewer Sanitation Water Funds Assets: Current assets: Cash and cash equivalents $ 256,090 $ 255,890 $ 317,763 $ 122,227 $ 951,970 Investments 3,920,213 914,405 110,347 600,752 5,545,717 Receivables: Accounts 237,531 207,748 145,282 46,649 637,210 Interest 9,136 52,031 - - 61,167 Other 22,538 1,820 - - 24,358 Interfund receivables 1,021,733 - - - 1,021,733 Prepaid items 13,256 29,287 15,592 2,923 61,058 Inventory - materials 32,420 - - - 32,420 Total current assets 5,512,917 1,461,181 588,984 772,551 8,335,633 Restricted assets: Cash and cash equivalents 601,006 906,442 - - 1,507,448 Investments 6,576,189 10,073,721 - - 16,649,910 Total restricted assets 7,177,195 10,980,163 - - 18,157,358 Fixed assets: Property, plant and equipment 10,405,167 24,665,041 1,071,702 1,051,757 37,193,667 Less: accumulated depreciation (3,814,640) (4,763,022) (791,959) (146,538) (9,516,159) Construction in progress 471,084 31,996 - 64,266 567,346 Total fixed assets - net 7,061,611 19,934,015 279,743 969,485 28,244,854 Other assets: Deferred charges 130,860 232,641 - - 363,501 Total assets $19,882,583 $ 32,608,000 $ 868,727 $1,742,036 $ 55,101,346 49 Total Storm- Enterprise Water Sewer Sanitation Water Funds Liabilities and Fund Equity: Current liabilities (payable from current assets): Accounts payable $ 168,828 $ 87,360 $ 70,820 $ 7,761 $ 334,769 Accrued expenses 17,467 13,930 7,036 3,059 41,492 Retainage payable - - - - - Interfund payables - 1,021,733 - - 1,021,733 Total current liabilities (payable from current assets) 186,295 1,123,023 77,856 10,820 1,397,994 Current liabilities (payable from restricted assets): Retainage payable - - - - - Customer deposits 152,246 - - - 152,246 Accrued interest 111,855 198,854 - - 310,709 Revenue bonds payable - - - - - Total current liabilities (payable from restricted assets) 264,101 198,854 - - 462,955 Long-term liabilities: Accrued annual leave 77,336 43,081 24,591 4,601 149,609 Revenue bonds payable 7,104,262 10,175,951 - - 17,280,213 Total long-term liabilities 7,181,598 10,219,032 24,591 4,601 17,429,822 Total liabilities 7,631,994 11,540,909 102,447 15,421 19,290,771 Fund Equity: Contributed capital 2,592,697 8,252,325 101,722 136,547 11,083,291 Retained earnings: Reserved for repairs & replacement 146,218 103,782 - - 250,000 Reserved for expansion 4,555,151 10,692,479 - - 15,247,630 Unreserved 4,956,523 2,018,505 664,558 1,590,068 9,229,654 Total retained earnings 9,657,892 12,814,766 664,558 1,590,068 24,727,284 Total fund equity 12,250,589 21,067,091 766,280 1,726,615 35,810,575 Total liabilities & fund equity $19,882,583 $ 32,608,000 $ 868,727 $ 1,742,036 $ 55,101,346 50 CITY OF CLERMONT, FLORIDA COMBINING STATEMENT OF REVENUES. EXPENSES AND CHANGES IN RETAINED EARNINGS For The Year Ended September 30, 2003 Operating Revenues: User charges Miscellaneous Total operating revenues Operating Expenses: Personal services Utilities Dumping fees Administrative services Repairs and maintenance Depreciation and amortization Professional services Insurance Operating supplies Office expense Bad debt Total operating expenses Operating income (loss) Nonoperating Revenue (Expenses): Impact fees from developers Interest revenue Interest expense Total nonoperating revenue Income (loss) before operating transfers Operating Transfers: Operating transfers in Operating transfers out Net operating transfers Net income (loss) Retained Earnings - Beginning of Year Retained Earnings - End of Year Total Storm- Enterprise Water Sewer Sanitation Water Funds $ 3,362,716 $ 2,275,011 $ 1,612,647 $ 504,732 $ 7,755,106 170,667 24,937 13,542 - 209,146 3,533,383 2,299,948 1,626,189 504,732 7,964,252 856,918 735,536 392,725 120,708 2,105,887 209,744 345,334 1,355 - 556,433 - 11,840 206,974 6,997 225,811 119,429 149,334 35,952 23,502 328,217 308,854 274,822 72,602 18,428 674,706 314,686 533,545 68,255 30,679 947,165 111,067 38,357 573,089 1,251 723,764 28,005 60,944 40,876 3,606 133,431 69,783 66,748 33,803 2,518 172,852 34,021 20,511 6,900 3,685 65,117 11,229 8,740 7,267 3,771 31,007 2,063,736 2,245,711 1,439,798 215,145 5,964,390 1,469,647 54,237 186,391 289,587 1,999,862 1,362,502 4,521,716 - - 5,884,218 142,888 202,360 3,502 8,118 356,868 (285,417} 167,864) - - 45[ 3,281) 1,219,973 4,556,212 3,502 8,118 5,787,805 2,689,620 4,610,449 189,893 297,705 7,787,667 (302,070] (5,048) (3,365) (1,683)_ (312,166) 1302,070) (5,048) (3,365) (1,683) (312,166) 2,387,550 4,605,401 186,528 296,022 7,475,501 7,270,342 8,209,365 478,030 1,294,046 17,251,783 $ 9,657,892 $ 12,814,766 $ 664,558 $ 1,590,068 $ 24,727,284 51 CITY OF CLERMONT, FLORIDA COMBINING STATEMENT OF CASH FLOWS ALL ENTERPRISE FUNDS For The Year Ended September 30, 2003 Total Storm- Enterprise Water Sewer Sanitation Water Funds Cash Flows from Operating Activities: Receipts from customers $ 3,542,126 $ 2,240,659 $ 1,605,520 $ 504,489 $ 7,892,794 Payments to suppliers (960,933) (2,011,692) (917,758) (55,776) (3,946,159) Payments to employees 1845,710) (734,209) (389,293) (120,297) f2,089,509j Net cash provided (used) by operating activities 1,735,483 (505,242) 298,469 328,416 1,857,126 Cash Flows from Non -Capital Financing Activities: Short term interfund advance (908,722) 888,492 (5,012) (1,157) (26,399) Operating transfers out 302,070) (5,048) 3,365 (1,683) (312,166) Net cash provided (used) by non -capital financing activities (1,210,79Z 883,444 (8,377) (2,840) (338,565) Cash Flows from Capital and Related Financing Activities: Acquisition and construction of fixed assets (555,258) (947,125) (64,266) (1,566,649) Interest paid on bonds and leases (298,298) (193,548) (491,846) Impact fees received 1,362,502 4,521,716 5,884,218 Net cash provided (used) by capital and related financing activities 508,946 3,381,043 (64,266) 3,825,723 Cash Flows from Investing Activities Interest received 142,888 202,360 3,502 8,118 356,868 Investment purchases (820,783) (3,418,408) (1,644 (220,9731 4,461,808) Net cash provided (used) by investing activities (677,895) (3,216,048) 1,858 (212,855y (4,104,940) Net Increase in Cash and Cash Equivalents 355,742 543,197 291,950 48,455 1,239,344 Cash and Cash Equivalents at Beginning of Year 501,354 619,135 25,813 73,772 1,220,074 Cash and Cash Equivalents at End of Year $ 857,096 $ 1,162,332 $ 317,763 $ 122,227 $ 2,459,418 Classified As: Current assets $ 256,090 $ 255,890 $ 317,763 $ 122,227 $ 951,970 Restricted assets 601,006 906,442 1,507,448 Total $ 857,096 $ 1,162,332 $ 317,763 $ 122,227 -$ 2,459,418 52 Reconciliation of Operating Income (Loss) to Net Cash Provided by Operating Activities: Operating income Adjustments Not Affecting Cash: Depreciation and amortization Change in Assets and Liabilities: Increase in accounts receivable Increase in prepaids Increase in inventory Increase (decrease) in accounts payable Decrease in accrued expenses Decrease in retainage payable Increase in accrued annual leave Increase in customer deposits Total adjustments Net Cash Provided (Used) by Operating Activities Total Storm- Enterprise Water Sewer Sanitation Water Funds $ 1,469,647 $ 54,237 $ 186,391 $ 289,587 $ 1,999,862 327,567 559,229 68,255 30,679 985,730 (8,825) (59,289) (20,669) (243) (89,026) (4,012) (9,664) (3,737) (967) (18,380) (10,691) (10,691) (36,414) (552,138) 63,624 7,304 (517,624) 4,016 2,422 1,173 1,645 9,256 (34,581) (501,366) - - (535,947) 11,208 1,327 3,432 411 16,378 17,568 - - - 17,568 265,836 (559,479) 112,078 38,829 (142,736) $ 1,735,483 $ (505,242) $r. 2� $ 328,416 $ 1,857,126 53 i FIDUCIARY FUND TYPES TRUST FUNDS Trust Funds are used to account for assets held by the City in a trustee capacity. PENSION TRUST FUNDS: GENERAL EMPLOYEES PENSION TRUST FUND To account for the accumulation of resources to be used for the retirement annuities of all full-time permanent employees, except police officers and firefighters. The City maintains defined benefit and defined contribution plans for its general employees. Annual contributions made to the defined benefit plan are in accordance with an actuarial study, whereas, a fixed percentage of employees salaries is used in determining the annual contribution to the defined contribution plan. POLICE OFFICERS PENSION TRUST FUND To account for the accumulation of resources to be used for the retirement annuities of all police officers. The state contributes money based upon the number of police officers and the City contributes an amount determined by an actuarial study. FIREFIGHERS PENSION TRUST FUND To account for the accumulation of resources to be used for the retirement annuities of all firefighters. The state contributes money based upon the number of firefighters and the City contributes an amount determined by an actuarial study. NON -EXPENDABLE TRUST FUND: METERY PERPETUAL CARE FUND To account for monies provided by people buying lots in the City cemetery. The principal must be kept separate and apart from all other funds, but the interest may be transferred to the General Fund to defray the cost of cemetery operation and maintenance. EXPENDABLE TRUST FUND: OMMUNITY REDEVELOPMENT FUND To account for funds administered by Downtown Clermont Redevelopment Agency. The agency is authorized to use the funds to finance community redevelopment projects within the downtown area. CITY OF CLERMONT, FLORIDA COMBINING BALANCE SHEET TRUST FUNDS September 30, 2003 Expendable Trust Fund Community Redevelopment Fund Assets: Pension Nonexpendable Trust Trust Funds Fund Cemetery Public Perpetual Employees Care Cash and cash equivalents $ 26,074 $ - $ 28,090 $ 54,164 Investments - 6,538,159 386,630 6,924,789 Interfund receivable - - - - Total assets $ 26,074 $6,538,159 $ 414,720 $6,978,953 Liabilities: Accounts payable $ - $ - $ - $ - Interfund payable 14,680 - - 14,680 Interfund advances 29,360 - - 29,360 44,040 - - 44,040 Fund Balances: Unreserved (17,966) - - (17,966) Reserved for employees' pension benefits - 6,538,159 - 6,538,159 Reserved for cemetery care - - 414,720 414,720 Total fund balances (17,966) 6,538,159 414,720 6,934,913 Total liabilities and fund balances $ 26,074 $ 6,538,159 $ 414,720 $6,978,953 54 CITY OF CLERMONT, FLORIDA COMBINING STATEMENT OF PENSION FUND NET ASSETS September 30, 2003 _General Employees Defined Defined Police Firefighter Benefit Contribution Pension Pension Totals Assets: Investments (at fair value) $ 863,029 $ 1,869,225 $ 2,762,688 $ 1,043,217 $ 6,538,159 Receivables: Interfund - - - - - Total assets 863,029 1,869,225 2,762,688 1,043,217 6,538,159 Liabilities: Accounts payable - - - - Total liabilities - - - - - Net Assets Held in Trust for Pension Benefits (A schedule of funding progress for each Plan is presented on page 30) $ 863,029 $ 1,869,225 $ 2,762,688 $ 1,043,217 $ 6,538,159 55 CITY OF CLERMONT, FLORIDA COMBINING STATEMENT OF CHANGES IN PENSION FUND NET ASSETS For The Year Ended September 30, 2003 General EmDlovees Defined Defined Police Firefighter Benefit Contribution Pension Pension Totals Additions: Contributions: Employer $ 5,853 $ 268,221 $ - $ - $ 274,074 Plan Members - - 39,845 5,961 45,806 State - - 152,815 98,337 251,152 Total contributions 5,853 268,221 192,660 104,298 571,032 Investment income: Investment income (loss) 100,278 135,362 289,967 127,881 653,488 Less: investment expense (4,927) {9,037) (8,236) (5,902) (28,102) Net investment income (loss) 95,351 126,325 281,731 121,979 625,386 Total additions 101,204 394,546 474,391 226,277 1,196,418 Deductions: Benefits/distributions 91,130 16,213 80,038 443 187,824 Total deductions 91,130 16,213 80,038 443 187,824 Net Increase (Decrease) 10,074 378,333 394,353 225,834 1,008,594 Net Assets Held in Trust for Pension Benefits: Beginning of year End of year 852,955 1,490,892 2,368,335 817,383 5,529,565 $ 863,029 $ 1,869,225 $ 2,762,688 $ 1,043,217 $ 6,538,159 ACCOUNT GROUPS ACCOUNT GROUPS GENERAL FIXED ASSETS ACCOUNT GROUP This is a self -balancing account group used to record the fixed assets of the City that are not used in proprietary fund operations or accounted for in trust funds. CITY OF CLERMONT, FLORIDA SCHEDULE OF GENERAL FIXED ASSETS BY SOURCES September 30, 2003 General Fixed Assets: Land $ 2,759,586 Buildings 8,786,904 Improvements other than buildings 9,454,869 Equipment and vehicles 4,375,466 Construction in progress 72,933 Total General Fixed Assets $ 25,449,758 Revenue Bonds $ 8,328,566 Federal, state and local grants 1,621,247 General Fund revenues 7,771,916 Special Revenue Fund revenues 6,897,441 Gifts and other 830,588 Total Investment in General Fixed Assets $ 25,449,758 57 CITY OF CLERMONT, FLORIDA SCHEDULE OF GENERAL FIXED ASSETS - BY FUNCTION AND ACTIVITY For The Year Ended September 30, 2003 Improvements Other Than Construction Land Buildings Buildings Equipment In Progress Totals General Government $ 300,954 $4,778,228 $ - $ 977,578 $ 69,083 $ 6,125,843 Public Safety 183,458 2,238,417 - 2,504,531 - 4,926,406 Physical Environment 47,168 728,159 107,574 165,063 - 1,047,964 Transportation - - 3,981,154 145,707 - 4,126,861 Culture & Recreation 1,999,898 956,830 5,219,768 561,153 3,850 8,741,499 Older assets not maintained by function 228,108 85,270 146,373 21,434 - 481,185 Total $ 2,759,586 $8,786,904 $ 9,454,869 $ 4,375,466 $ 72,933 $25,449,758 Deletions Balance and Balance 10-01-02 Additions Transfers 09-30-03 General Government $ 1,669,099 $4,456,744 $ - $ 6,125,843 Public Safety 4,643,136 361,918 (78,648) 4,926,406 Physical Environment 1,032,880 15,084 - 1,047,964 Transportation 3,861,676 265,185 - 4,126,861 Culture & Recreation 8,551,928 189,571 - 8,741,499 Older assets not maintained by function 481,185 - - 481,185 Total $20,239,904 $5,288,502 $ (78,6481 $25,449,758 W STATISTICAL SECTION Statistical tables differ from financial statements because they cover more than one fiscal year and may present non -accounting data. These tables reflect social and economic data, financial trends, and the fiscal capacity of the City. CITY OF CLERMONT, FLORIDA COMMENTS ON THE STATISTICAL SECTION SEPTEMBER 30, 2003 The following Statistical Tables recommended by the National Council on Governmental Accounting are not included for the reasons stated below: • The Legal Debt Margin Computation Table is not presented because there is no law or ordinance that sets the maximum amount of debt the City is legally permitted to issue. CITY OF CLERMONT, FLORIDA EXPENDITURES BY FUNCTION (1) LAST TEN FISCAL YEARS FISCAL GENERAL PUBLIC PHYSICAL YEAR GOVERNMENT SAFETY ENVIRONMENT 1993-94 $420,678 $1,017,962 $144,789 1994-95 492,751 1,063,691 134,633 1995-96 561,876 1,257,255 112,794 1996-97 636,895 1,299,427 126,409 1997-98 808,901 1,6331630 152,476 1998-99 1,059,558 1,733,444 137,219 1999-00 942,498 3,049,106 134,486 2000-01 1,098,769 3,349,348 211,801 2001-02 2,143,890 3,397,986 41,611 2002-03 5,802,367 3,968,244 35,237 (1) Includes General, Special Revenue, and Capital Projects Funds. Excludes Debt Service. (2) Community Development Block Grant expenditures were included in the 1992-93, 1995-96, 1996-97, 1997-98 and 1998-99 Fiscal Years. TABLE 1 (2) ECONOMIC HUMAN CULTURE AND TRANSPORTATION ENVIRONMENT SERVICES RECREATION TOTAL $257,539 $14,065 $17,034 $573,517 $2,445,584 413,565 10,895 17,141 934,829 3,067,505 448,615 89,101 20,191 1,145,205 3,635,037 912,130 247,422 20,974 1,205,642 4,448,899 589,385 416,930 24,150 743,864 4,369,336 437,386 36,111 25,794 1,347,959 4,777,471 494,953 25,586 24,914 1,733,423 6,404,966 639,780 102,323 19,573 2,242,733 7,664,327 640,053 1,118,029 69,479 1,936,273 9,347,321 809,642 346,544 88,638 1,516,317 12, 566, 989 61 CITY OF CLERMONT, FLORIDA REVENUE BY SOURCE (1) LAST TEN FISCAL YEARS LICENSES CHARGES FISCAL AND INTER- FOR YEAR TAXES PERMITS GOVERNMENTAL SERVICES 1993-94 $1,983,016 $39,910 $505,432 $38,402 1994-95 2,142,822 67,549 576,484 57,241 1995-96 2,377,962 84,260 665,899 32,537 1996-97 2,497,102 97,347 988,581 46,354 1997-98 2,769,826 133,595 1,012,582 42,459 1998-99 3,171,446 149,702 872,081 44,336 1999-00 3,911,066 188,517 959,751 60,148 2000-01 4,873,847 211,101 930,028 36,613 2001-02 5,677,448 252,702 1,407,363 367,279 2002-03 6,733,867 277,264 1,152, 050 378,425 (1) Includes General, Special Revenue, Debt Service and Capital Projects Funds. A TABLE 2 FINES INTEREST AND ON IMPACT FORFEITURES INVESTMENTS FEES MISCELLANEOUS TOTAL $91,066 $9,906 $17,681 $122,270 $2,807,683 152,020 86,600 16,606 510,081 3,609,403 151,879 102,405 98,751 244,904 3,758,597 128,047 81,605 127,284 224,626 4,190,946 160,522 85,140 200,960 293,853 4,698,937 108,720 86,799 240,412 311,494 4,984,990 174,044 148,136 996,145 1,258,318 7,696,125 145,564 241,756 944,819 1,157, 372 8,541,100 111,517 140,425 1,314,171 177,322 9,448,227 114,013 144,130 1,424,349 218,885 10,442,983 63 CITY OF CLERMONT, FLORIDA PROPERTY TAX LEVIES, TAX COLLECTIONS AND ASSESSED VALUATIONS LAST TEN FISCAL YEARS (2) ESTIMATED (1) (4) FISCAL TAX ACTUAL ASSESSED TAX YEAR YEAR VALUE VALUATION RATE 1993-94 1993 $190,036,425 $171,032,783 2.979 1994-95 1994 206,921,182 186,229,064 2.979 1995-96 1995 228,727,934 205,855,141 2.979 1996-97 1996 236, 824,197 213,141,778 2.979 1997-98 1997 274,964,642 247,468,178 2.979 1998-99 1998 324,049,311 291,644,380 2.979 1999-00 1999 396,645,279 356,980,751 3.479 2000-01 2000 500,572,450 450,515,205 3.729 2001-02 2001 634,697,383 571,227,645 3.729 2002-03 2002 800,152,736 720,137,462 3.729 (1) Final gross taxable assessed valuation per Lake County Property Appraiser's form DR-422. (2) The Florida Department of Revenue has certified the Lake County tax rolls as being at least 90% of the estimated actual value of property within the County. Therefore, the estimated actual values shown are calculations based on the 90% certification. (3) Outstanding delinquent taxes are not available from the Lake County Property Appraiser's office. (4) Tax rate per $1,000 of taxable valuation. 64 TABLE 3 RATIO OF RATIO OF CURRENT TAX (3) TOTAL TAX COLLECTIONS DELINQUENT TOTAL COLLECTIONS TAX CURRENT TAX TO TOTAL TAX TAX TO TOTAL LEVY COLLECTIONS LEVY COLLECTIONS COLLECTIONS TAX LEVY $509,504 $494,226 97.0% 631 $494,857 97.1 % 554,776 538,217 97.0% 893 539,110 97.2% 613,242 592,529 96.6% 2,406 594,935 97.0% 634,949 608,205 95.8% 9,224 617,429 97.2% 737,207 700,112 95.0% 9,841 709,953 96.3% 868,809 836,304 96.3% 1,604 837,908 96.4% 1,241,936 1,200,779 96.7% 4,492 1,205,271 97.0% 1,679,971 1,606,686 95.6% 9,190 1,615,876 96.2% 2,130,108 2,022,265 94.9% 16,263 2,038,529 95.7% 2,685,393 2,583,380 96.2% 7,995 2,591,375 96.5% 65 CITY OF CLERMONT, FLORIDA PROPERTY TAX RATES - DIRECT AND ALL OVERLAPPING GOVERNMENTS (1) LAST TEN FISCAL YEARS (2) LAKE COUNTY FISCAL TAX LAKE MSTU YEAR YEAR CITY COUNTY STORMWATER 1993-94 1993 2.979 5.135 0.000 1994-95 1994 2.979 5.135 0.000 1995-96 1995 2.979 4.927 0.000 1996-97 1996 2.979 4.909 0.000 1997-98 1997 2.979 4.733 0.000 1998-99 1998 2.979 4.733 0.000 1999-00 1999 3.479 4.733 0.100 2000-01 2000 3.729 5.117 0.200 2001-02 2001 3.729 5.117 0.300 2002-03 2002 3.729 5.917 0.400 (1) Information was obtained from the City of Clermont tax rolls, as prepared by the Lake County Property Appraiser's office. (2) Tax rate per $1,000 of taxable valuation. TABLE 4 LAKE COUNTY LAKE COUNTY SOUTH LAKE ST. JOHNS RIVER SCHOOL WATER HOSPITAL WATER MANAGEMENT DISTRICT AUTHORITY DISTRICT DISTRICT TOTAL 8.938 0.5170 2.0000 0.470 20.0390 8.515 0.4000 2.0000 0.482 19.5110 9.678 0.3840 2.0000 0.482 20.4500 9.228 0.3840 2.0000 0.482 19.9820 9.100 0.3840 2.0000 0.482 19.6780 9.190 0.3840 2.0000 0.482 19.7680 8.742 0.5000 1.0000 0.482 19.0360 8.495 0.5000 1.5500 0.472 20.0630 8.202 0.5000 1.5289 0.462 19.8389 8.395 0.4819 1.5289 0.462 20.9138 67 CITY OF CLERMONT, FLORIDA TABLE 5 COMPUTATION OF DIRECT AND OVERLAPPING GENERAL OBLIGATION DEBT September 30, 2003 The City of Clermont did not have any overlapping debt at the above fiscal year end. CITY OF CLERMONT, FLORIDA WATER AND SEWER CUSTOMER DATA LAST TEN FISCAL YEARS NUMBER OF CUSTOMERS FISCAL WATER YEAR RESIDENTIAL COMMERCIAL 1993-94 2526 385 1994-95 3136 392 1995-96 3483 391 1996-97 3987 439 1997-98 4549 447 1998-99 5009 490 1999-00 5992 531 2000-01 7303 579 2001-02 8461 644 2002-03 10529 723 SEWER RESIDENTIAL COMMERCIAL 1931 330 1978 350 2334 358 2770 386 3099 388 3328 443 3928 458 5001 511 6243 581 7650 673 Source: Water and Sewer Customer Data Reports as of September 30 TABLE 6 ANNUAL WATER USAGE (GAL) 493,821,000 482,962,000 630,763,000 833,834,000 1,087,078,000 1,146,663,000 1,394,359,000 1,365,196,000 1,299,701,000 1,338,818,000 CITY OF CLERMONT, FLORIDA UTILITY REVENUE BOND COVERAGE - ALL UTILITY REVENUE BONDS LAST TEN FISCAL YEARS TOTAL (1) FISCAL SYSTEM OPERATING YEAR REVENUES EXPENSES 1993-94 $1,315,271 $956,638 1994-95 1,569,180 948,234 1995-96 1,997,673 1,038,809 1996-97 2,277,479 1,240,707 1997-98 2,641,987 1,514,280 1998-99 2,968,098 1,737,216 1999-00 3,832,369 2,122,938 2000-01 5,082,750 2,236,146 2001-02 5,473,607 2,952,556 2002-03 6,178,579 3,461,216 (1) Excludes interest expense and depreciation. (2) Maximum debt service in any subsequent year is $1,304,315 TABLE 7 (2) DEBT NET SERVICE REVENUES REQUIREMENTS COVERAGE $358,633 $290,083 1.24% 620,946 326,420 1.90% 958,864 509,355 1.88% 1,036,772 708,660 1.46% 1,127,707 711,250 1.59% 1,230,882 726,858 1.69% 1,709,431 724,400 2.36% 2,846,604 932,127 3.05% 2,521,051 932,128 2.70% 2,717,363 1,007,128 2.70% 71 CITY OF CLERMONT, FLORIDA DEMOGRAPHIC STATISTICS LAST TEN FISCAL YEARS TABLE 8 (2) (3) FISCAL (1) SCHOOL UNEMPLOYMENT YEAR POPULATION ENROLLMENT RATE 1993-94 7,174 1,629 8.1 % 1994-95 7,233 1,787 5.0% 1995-96 7,291 2,381 5.2% 1996-97 7,582 2,180 3.1 % 1997-98 8,202 2,412 2.2% 1998-99 8,861 3,683 2.7% 1999-00 9,455 3,841 2.6% 2000-01 10,571 4,500 3.4% 2001-02 13,718 4,616 4.7% 2002-03 15,391 4,630 4.6% DATA SOURCES: (1) College of Business Administration, University of Florida - Bureau of Economic and Business Research. (2) Figures represent grades K-9 in public schools. Source - Lake County School Board (3) Information available on countywide basis only. Data was obtained from the Florida Agency for Workforce Innovation, Labor Market Statistics, Local Area Unemployment Statistics Program, in cooperation with the U.S. Department of Labor, Burieau of Labor Statistics. 72 CITY OF CLERMONT, FLORIDA PROPERTY VALUE, CONSTRUCTION AND BANK DEPOSITS LAST TEN FISCAL YEARS (1) COMMERCIAL CONSTRUCTION (1) RESIDENTIAL CONSTRUCTION FISCAL # OF # OF YEAR UNITS VALUE UNITS VALUE 1993-94 2 $402,000 26 $2,091,200 1994-95 2 450,000 19 1,412,837 1995-96 17 6,735,881 157 10,386,535 1996-97 14 3,340,805 289 17,797,703 1997-98 13 24,686,500 333 21,414,385 1998-99 5 17,725,000 492 34,375,122 1999-00 11 22,396,000 711 58,829,964 2000-01 17 17,264,099 884 82,040,352 2001-02 39 52,342,866 829 77,470,156 2002-03 22 18,757,595 959 124,837,420 DATA SOURCES: (1) City of Clermont zoning clearances. (2) Information available on countywide basis only. Data was obtained from the Federal Deposit Insurance Corporation (FDIC) (3) Taxable assessed valuation per Lake County Property Appraiser's form DR-422. (4) Non-taxable assessed valuation per Lake County Property Appraiser's office. 73 TABLE 9 ASSESSED TAXABLE (2) PROPERTY VALUE BANK (3) (4) DEPOSITS TAXABLE NONTAXABLE $1,701,038,000 $171,032,783 $56,272,383 1,718,591,000 186,229,064 56,910,019 1,776,670,000 205,855,141 58,399,561 2,035,941,000 213,141,778 65,771,140 2,421,416,000 247,468,178 75,608,647 2,563,111,000 291,644,380 82,258,004 2,793,537,000 356,980,751 88,776,967 3,011,000,000 450,515,205 105,296,517 3,158,000,000 571,227,645 128,221,920 3,411,000,000 720,137,462 166,209,240 74 CITY OF CLERMONT, FLORIDA PRINCIPAL TAXPAYERS TAXPAYER South Lake Hospital, Inc. C/O Orlando Regional Healthcare PO Box 562008 Orlando, FL 32856 Clermont Center LTD 20636 Biscayne Blvd Aventura, FL 33180 Village at East Lake Ltd Partnership 300 East Lombard St Ste 1200 Baltimore, MD 21202 Lucas Clermont Limited Partnership 401 N Cattleman Rd Ste 108 Sarasota, FL 34232 Lennar Land Partners 151 S Wymore Rd Ste 4000 Altamonte Springs, FL 32714 Lennar Homes Inc. 151 S Wymore Rd Ste 4000 Altamonte Springs, FL 32714 Sprint -Florida Incorporated PO Box 12913 Shawnee Mission, KS 66212 Florida Power Corp PO Box 14042 St Petersburg, FL 33733 HEP-8-Cler LC 8771 College Pkwy Ste 101 Ft Myers, FL 33919 Mercator Properties, Inc. 230 Mohawk Rd. Clermont, FL 34711 TABLE 10 PERCENTAGE ASSESSED OF TOTAL VALUATION ASSESSED AS OF 1/1/03 VALUATION $11,416,774 1.59% 11,273,095 1.57% 9,561,237 1.33% 8,824,734 1.23% 8,813,291 1.22% 8,201,625 1.14% 7,966,530 1.11 % 6,499,628 0.90% 6,342,634 0.88% 5,530,682 0.77% TOTAL $84,430,230 11.72% Source: 2003 City of Clermont Tax Roll, prepared by the Lake County Property Appraiser's office. 75 CITY OF CLERMONT, FLORIDA EMPLOYER South Lake Hospital Lake County School System Target Westminister Care of Clermont Publix City of Clermont Home Depot CBS Builders Supply Inc. Winn Dixie K Mart LARGEST EMPLOYERS INDUSTRY TABLE 11 NUMBER OF EMPLOYEES Health Care 715 Education 501 Retail 230 Retirement and Nursing 200 Grocery 200 Municipality 188 Retail 165 Construction Supplies 158 Grocery 125 Retail 100 76 CITY OF CLERMONT, FLORIDA SCHEDULE OF INSURANCE COVERAGES SEPTEMBER 30, 2003 POLICY EXPIRATION TYPE OF COVERAGE & INSURER NUMBER DATE I IARII ITY Florida Municipal Liability FMIT 101 9/30/2003 Self Insurer's Program WORKERS COMPENSATION Florida Municipal Self FMIT 101 9/30/2003 Insurers Fund FIRE AND EXTENDED COVERAGE Florida Municipal Property FMIT 101 9/30/2003 Self -Insurers Program 77 TABLE 12 DETAILS LIMITS General Liability $100,000/Person Bodily Injury Liability $200,000/Occurrence Auto Liability Law Enforcement Liability Specific Excess Liability $1,500,000/Occurrence Public Officials Errors $1,500,000/Occurrence and Omissions Liability Finance Director -Bond $100,000 Public Employees Blanket Bond $5,000 Accidental Death-Police/Fire $50,000 Statutory Workers Compensation $100,000/500,000 per Schedule Blanket Building and Property $33,780,700 78 CITY OF CLERMONT, FLORIDA MISCELLANEOUS STATISTICAL DATA SEPTEMBER 30, 2003 Date of Incorporation Present Charter Adopted Form of Government Number of Council Members Term of Office Mayor/Council Members City Manager Area of City Municipal Boundaries Miles of Streets Number of Streetlights Cemetery Fire Protection Number of Stations Number of Volunteer Firefighters Number of Part-time Firefighters Number of Full-time Firefighters Number of Fire Hydrants Police Protection Number of Stations Number of Sworn Personnel Education Number of Schools: Elementary Middle Number of Teachers Number of Students Municipal Water Department Number of Customers Average Daily Consumption Miles of Water Mains Wastewater and Sanitary Sewers Miles of Sanitary Sewer Lines Miles of Storm Sewer Lines 1916 1962 Council -Manager Five (5) Two Years (2) Appointed 11.5 square miles 92.90 1,056 1 3 34 6 13 1,064 2 31 3 2 245 4,630 11,252 4,280,000 gallons 88.74 39.05 9.11 79 Recreation and Culture Number of Parks Scenic Linear Trail Fishing Piers Number of Libraries City Employees Full -Time Part -Time TABLE 13 22 with 101.5 acres 3.5 miles 4 173 15 :I, I I CIN:fa:#:U=1s fl I I I 11 lMCDIRMIT DAVIS REPORT ON COMPLIANCE AND ON INTERNAL CONTROL OVER FINANCIAL REPORTING BASED ON AN AUDIT OF FINANCIAL STATEMENTS PERFORMED IN ACCORDANCE WITH GOVERNMENT AUDITING STANDARDS The Honorable Mayor and City Commissioners City of Clermont, Florida We have audited the general purpose financial statements of the City of Clermont, Florida, as of and for the year ended September 30, 2003, and have issued our report thereon dated December 5, 2003. We conducted our audit in accordance with auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States. Compliance - As part of obtaining reasonable assurance about whether the City of Clermont, Florida's general purpose financial statements are free of material misstatement, we performed tests of its compliance with certain provisions of laws, regulations, contracts and grants, noncompliance with which could have a direct and material effect on the determination of financial statement amounts. However, providing an opinion on compliance with those provisions was not an objective of our audit and, accordingly, we do not express such an opinion. The results of our tests disclosed no instances of noncompliance that are required to be reported under Government Auditing Standards. However, we noted certain immaterial instances of noncompliance that we have reported to management of the City of Clermont, Florida, in a separate letter dated December 5, 2003. Internal Control Over Financial Reporting - In planning and performing our audit, we considered the City of Clermont, Florida's internal control over financial reporting in order to determine our auditing procedures for the purpose of expressing our opinion on the basic financial statements and not to provide assurance on the internal control over financial reporting. Our consideration of the internal control over financial reporting would not necessarily disclose all matters in the internal control over financial reporting that might be material weaknesses. A material weakness is a condition in which the design or operation of one or more of the internal control components does not reduce to a relatively low level the risk that misstatements in amounts that would be material in relation to the financial statements being audited may occur and not be detected within a timely period by employees in the normal course of performing their assigned functions. We noted no matters involving the internal control over financial reporting and its operation that we consider to be material weaknesses. However, we noted other matters involving the internal control over financial reporting that we have reported to management of City of Clermont, Florida in a separate letter dated December 5, 2003. MCDIFJ�41T DAVIS PUCKETT & COMPANY, LLC CERTIFIED PUBLIC ACCOUNTANTS AND ADVISORS 605 E. ROBINSON STREET, SUITE 635 •ORLANDO, FLORIDA 32801 TELEPHONE 407-843-5406 - FAx 407-649-9339 - EMAIL: INFOCMDPCPA.COM MEMBERS: PRIVATF COMPANIES PRACTICE SECTION ° AMFRICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS - FLORIDA INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS 81 This report is intended solely for the information and use of management, the City Commission and the Auditor General of the State of Florida, and is not intended to be, and should not be used by anyone other than these specified parties. McDIRMIT DAVIS PUCKETT & COMPANY, LLC December 5, 2003 82 REPORT ON COMPLIANCE WITH REQUIREMENTS APPLICABLE TO THE MAJOR PROGRAM AND INTERNAL CONTROL OVER COMPLIANCE IN ACCORDANCE WITH OMB CIRCULAR A-133 The Honorable Mayor and City Commissioners City of Clermont, Florida Clermont, Florida Compliance We have audited the compliance of the City of Clermont, Florida with the types of compliance requirements described in the U.S. Office of Management and Budget (OMB) Circular A-133 Compliance Supplement, that are applicable to the major federal program for the year ended September 30, 2003. The City of Clermont's major federal program is identified in the summary of auditor's results section of the accompanying Schedule of Findings and Questioned Costs. Compliance with the requirements of laws, regulations, contracts and grants applicable to its major federal program is the responsibility of the City of Clermont, Florida management. Our responsibility is to express an opinion on the City of Clermont, Florida compliance based on our audit. We conducted our audit of compliance in accordance with auditing standards generally accepted in the United States of America; the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States; and OMB Circular A-133, Audits of States, Local Governments, and Non -Profit Organizations. Those standards, and OMB Circular A-133 require that we plan and perform the audit to obtain reasonable assurance about whether noncompliance with the types of compliance requirements referred to above that could have a direct and material effect on a major federal program occurred. An audit includes examining, on a test basis, evidence about City of Clermont, Florida compliance with those requirements and performing such other procedures, as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion. Our audit does not provide a legal determination on the City of Clermont, Florida compliance with those requirements. In our opinion, the City of Clermont, Florida, complied, in all material respects, with the requirements referred to above that are applicable to its major federal program for the year ended September 30, 2003. MCDIRMIT DAVIS PUCKETT & COMPANY, LLC CERTIFIED PUBLIC ACCOUNTANTS AND ADVISORS 605 E. ROBINSON STREET, SUITE 635 • ORLANDO, FLORIDA 32801 TELEPHONE 407-843-5406 e FAx 407-649-9339 - EMAIL: INFO@MDPCPA.COM MEMBERS: PRIVATE COMPANIES PRACTICE SECTION - AMERICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS - FLORIDA INSTITUTE. OF CERTIFIED PUBLIC ACCOUNTANTS 83 Internal Control Over Compliance The management of the City of Clermont, Florida is responsible for establishing and maintaining effective internal control over compliance with requirements of laws, regulations, contracts and grants applicable to federal programs. In planning and performing our audit, we considered the City of Clermont, Florida internal control over compliance with requirements that could have a direct and material effect on a major federal program in order to determine our auditing procedures for the purpose of expressing our opinion on compliance and to test and report on internal control over compliance in accordance with OMB Circular A-133. Our consideration of the internal control over compliance would not necessarily disclose all matters in the internal control that might be material weaknesses. A material weakness is a condition in which the design or operation of one or more of the internal control components does not reduce to a relatively low level the risk that noncompliance with applicable requirements of laws, regulations, contracts and grants that would be material in relation to a major state program being audited may occur and not be detected within a timely period by employees in the normal course of performing their assigned functions. We noted no matters involving the internal control over compliance and its operation that we consider to be material weaknesses. This report is intended solely for the information and use of management, the City, the Auditor General of the State of Florida and federal awarding agencies and is not intended to be and should not be used by anyone other than these specified parties. December 5, 2003 EMI CITY OF CLERMONT, FLORIDA SCHEDULE OF EXPENDITURES OF FEDERAL AWARDS Year Ended September 30, 2003 Federal Agency/Pass through Ent! Federal Program U.S. Department of Housing and Urban Development Florida Department of Community Affairs - Small Cities Community Development Block Grant U.S. Department of Justice Florida Department of Law Enforcement - Byrne Formula Grant Total expenditures of federal awards CFDA Contract Number Grant Number Expenditures 01 DB-79 14.228 06-45-01-005 $320,688 16.579 03-CJ-5A-06 45-02-094 11,886 $332,574 85 CITY OF CLERMONT, FLORIDA NOTES TO SCHEDULE OF EXPENDITURES OF FEDERAL AWARDS Year Ended September 30, 2003 Note 1 - Basis of Presentation: The accompanying Schedule of Expenditures of Federal Awards includes the federal grant activity of the City of Clermont, Florida and is presented on the accrual basis of accounting in accordance with accounting principles generally accepted in the United States of America. The information in this schedule is presented in accordance with the requirements of OMB Circular A-133, Audits of States, Local Governments, and Non -Profit Organizations. 0 CITY OF CLERMONT, FLORIDA SCHEDULE OF FINDINGS AND QUESTIONED COSTS - FEDERAL PROGRAM Year Ended September 30, 2003 A. Summary of Auditor's Results 1. The auditor's report expresses an unqualified opinion on the general purpose financial statements of the City of Clermont, Florida. 2. No instances of noncompliance material to the financial statements of the City of Clermont, Florida were disclosed during the audit. 3. The auditor's report on compliance for the major federal program for the City of Clermont, Florida, expresses an unqualified opinion. 4. The program tested as major program included the following: Federal Prociram Federal CFDA No. U.S. Department of Housing and Urban Development Community Development Block Grant 14.228 5. The threshold for distinguishing Type A and Type B programs/projects was $300,000 for major federal programs. 87