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HomeMy WebLinkAboutItem 71 City of Lakeville Finance Department Memorandum To: Mayor and Council From: Justin Miller, City Administrator Jerilyn Erickson, Finance Director Date: October 28, 2019 Subject: 2020 Proposed Utility Fund/Liquor Fund Budgets & Utility Rates The purpose of this report is to provide the City Council with an overview of the proposed Utility Fund and Liquor Fund budgets and proposed utility rates to support the services provided. PERSONNEL REQUESTS A GIS Analyst is proposed in the 2020 Utility Fund budgets (proposed funding by 15% Water Operating Fund, 15% Sewer Operating Fund, 20% Environmental Resources Fund, and 50% General Fund). This position is factored into the proposed 2020 rate increases as presented. This position is needed to assist in maintaining and implementing the City’s enterprise Geographic Information System and Cartegraph’s Operations Management System (OMS). UTILITY FEE CHANGES AND HIGHLIGHTS The proposed rate changes for 2020 are based on the proposed 2020 budget, staff projections for future years, the Capital improvement Plan, and with consideration of the financial targets described below. The rate changes were developed using the Excel model that was provided as part of the utility rate study completed in 2018. The 10-year rate projections include estimates for replacement or upgrade of aging utilities infrastructure. The chart below includes various statistics related to the current utilities infrastructure, and illustrates the significant cost involved in maintaining the infrastructure. 2 Infrastructure item: Statistic Water Water mains (miles) 350 Fire hydrants 3,885 Wells 21 Water Towers 6 Water capital asset gross historical cost $137,482,000 Sanitary Sewer Sanitary sewer mains (miles) 264 Sanitary sewer lift stations 20 Sanitary sewer capital asset gross historical cost $75,995,000 Source: City of Lakeville 2018 Comprehensive Annual Financial Report Additionally, as the City continues to grow, the project demands for the Municipal State Aid fund continue to increase beyond the level of State Aid provided on an annual basis. The City’s State Aid allotment has historically been sufficient to cover not only the surface improvements for the various street projects, but also the Watermain, Sanitary Sewer, Stormwater, and Streetlight portions of the projects. In the 2020-2024 CIP, these utility costs have been shifted to be funded by the utility funds, necessitating an increased level of funding through the utility rates. As demonstrated in the 10-year rate projections in the financial planning model attachments, the increased level of capital improvements is requiring an increase to the baseline revenues in 2020 and 2021, followed by low to moderate planned increases thereafter. One of the financial targets is a certain level of unassigned cash by fund at the end of each year. For Water and Sanitary Sewer, this amount is currently $500,000. For Street Lights and Environmental Resources, the amount is currently $100,000. Our model also includes an estimate of planned capital expenditures for the following year when calculating the amount of cash on hand needed at the end of each period. Many of the City’s capital improvement projects are led by the County, and therefore, the cost is somewhat out of our control. As we have shifted these County projects to be allocated according to cost function as explained above, the level of predictability in our costs is reduced. We have included educated estimates of the utility costs related to these projects, however, some costs are unknown until the project begins. At some point in the future, we may desire to increase the unassigned cash targets beyond $500,000 and $100,000. 3 The following chart reflects the fee changes that have been incorporated into the proposed revenues for each of the Utility Funds in the next year: The following chart reflects the impact of the proposed rate increases on a property using 18,000 gallons per quarter: This equates to about $4.85 monthly and $58.20 annual increases for City water, sewer, street lights and environmental resource services. 2020 2019 Quarterly rates Basis Proposed Actual Water base Account 8.37$ 7.25$ 1.12$ 15.5% Water tier 1 (<30,000) Gallonage 1.67$ 1.45$ 0.22$ 15.5% Water tier 2 (30,000 - 49,000) Gallonage 2.66$ 2.30$ 0.36$ 15.5% RESIDENTIAL ONLY-Water tier 3 (>49,000) Gallonage 4.55$ 3.94$ 0.61$ 15.5% Irrigation sprinkler accounts Gallonage 4.55$ 3.94$ 0.61$ 15.5% Water testing fee*2.43$ 1.59$ 0.84$ 52.8% Sanitary sewer base Account 9.59$ 9.05 0.54$ 6.0% Sanitary sewer usage Gallonage 4.75$ 4.48$ 0.27$ 6.0% Sanitary sewer non metered accounts Account 95.09$ 89.69$ 5.40$ 6.0% Street lights Account 10.12$ 9.12$ 1.00$ 11.0% f.f.0.2832$ 0.2551$ 0.0281$ 11.0% Environmental Resources Fee Account 16.54$ 14.38$ 2.16$ 15.0% * The Water testing fee is mandated by the state-- this is a pass-through fee for the City. 2020 Utility Fee Structure Increase Impact of Utility Rate Increases (per quarter)2020 2019 Change Water 38.49$ 33.33$ 5.16$ Sewer 95.11 89.73 5.38 Street Lights 10.12 9.12 1.00 Environmental Resources 16.54 14.38 2.16 State Surcharge 2.43 1.59 0.84 Total 162.69$ 148.15$ 14.54$ 4 WATER OPERATING FUND The proposed 2020 Water Fund budget reflects the cost of operating the City’s water system as well as ongoing water meter replacements, well rehabilitation, and watermain maintenance as part of the 2020 Reconstruction Project and other 2020 street projects. It also includes the Water Fund’s share of the capital replacement of a pickup truck and handheld radios, as well as new capital items including a skidsteer snowblower attachment and a staff vehicle. Water Treatment Facility programmable logic controller (PLC) replacement is also included in 2020. In addition, this fund has annual debt service obligations of $1.2-$1.3 million in the next five years for $11.1 million in remaining bond principal issued from 2014-2019. Debt is planned to be issued for major maintenance projects in years 2020 and 2021. The 2020 revenues for water sales reflect increases of $0.22 to $0.61 per thousand gallons for the tiered consumption as well as an increase of $1.12 in the quarterly base charge. Years 2021-2022 also reflect increases in the tiered consumption and the base charge. The underlying goals with these rate adjustments are as follows:  Maintain a minimum cash balance to fund three months of operating expenses, debt service payments, major maintenance expenses (net of any bond proceeds during the period) and emergency maintenance expenses (target of $500K);  Potentially get to a point where the users of the water system are paying for some or all of the depreciation of the system (replacement costs) and it is not necessary to issue debt (the current rate projections assume no new debt will be issued after 2021). The current debt outstanding is scheduled to be completely paid off by 2036.  Maintain a debt service coverage ratio of at least 125%.  Maintain a ratio of unrestricted net assets that is at least 50% of the subsequent year’s operating expenses. The proposed water rate increases for 2020 (and projected increases for 2021-2025) are projected to have the following impacts on the financial targets for the years 2020-2029:  Short on cash target in 2021 and 2022, but meeting cash target for the other years. Staff is comfortable with the cash levels projected considering we plan to achieve the other financial targets, and the Sanitary Sewer Fund has excess cash levels that could be borrowed if needed for an emergency situation in those years.  Achieve debt service coverage ratio for all years 2020-2029  Achieve unrestricted net assets percentage for all years 2020-2029 5 SANITARY SEWER OPERATING FUND The proposed 2020 Sanitary Sewer Fund budget reflects the cost of operating the City’s wastewater system as well as sewer main repair projects, lift station rehabilitation and replacement, other major maintenance and debt repayment for the debt that was issued in 2016 for lift station #6 rehabilitation. It also includes the Sanitary Sewer Fund’s share of the capital replacement of a pickup truck and handheld radios, as well as new capital items including a skidsteer snowblower attachment and a staff vehicle. In addition, the Metropolitan Wastewater Charge as communicated by the Met Council will have a 3.15% increase for the City of Lakeville in 2020 (following increases of 3.89% in 2019 and 14.45% in 2018). The wastewater charges are the most significant component of the Sanitary Sewer Fund annual budget. The City does not control this cost, although the cost is based on our share of the discharge into the regional wastewater system. The 2020 revenues for sanitary sewer sales reflect a $0.27 increase per thousand gallons for the sewer rate as well as an increase of $0.54 in the quarterly base charge. Years 2021-2029 also reflect increases. The underlying goals with these rate adjustments are as follows:  Maintain a minimum cash balance to fund three months of operating expenses, debt service payments, and emergency maintenance expenses.  Maintain a debt service coverage ratio of at least 125%. The current debt outstanding is scheduled to be completely paid off by 2025, and no additional debt is planned to be issued for the Sewer Fund.  Maintain a ratio of unrestricted net assets that is at least 50% of the subsequent year’s operating expenses. The proposed sewer rate increase for 2020 (and projected increases for 2021-2029) are projected to have the following impacts on the financial targets:  Meeting cash targets 2020-2029  Achieve debt service coverage ratio for all years 2020-2029  Short on unrestricted net assets percentage for many of the years presented, however, staff is comfortable with the 35-50% projected for each year based on meeting the other targets. STREET LIGHT OPERATING FUND The Street Light Operating Fund reflects the cost of operating city street lights. The 2020 revenues for the Street Light Operating Fund reflect an increase of $1.00 in the quarterly charge. Years 2021-2029 also reflect minimal increases. As discussed above, there are new street light capital projects in the 2020-2024 CIP that are reflected in these rate projections. 6 The underlying goals with these rate adjustments are as follows:  Maintain a minimum cash balance to fund three months of operating expenses, debt service payments, and emergency maintenance expenses ($100K).  Maintain a debt service coverage ratio of at least 125%. The current debt outstanding is scheduled to be completely paid off by 2026.  Maintain a ratio of unrestricted net assets that is at least 50% of the subsequent year’s operating expenses. The proposed Street Light rate increase for 2020 (and projected increases for 2021- 2029) are projected to have the following impacts on the financial targets:  Achieve cash targets for all years 2020-2029 except for 2020, 2027,2028. Those years are slightly under the target.  Achieve debt service coverage ratio for all years 2020-2029, except for years 2020 and 2026. Staff is comfortable with this given the low amount of projected debt payments ($51K-$53K per year).  Short on unrestricted net assets percentage for 2020-2021, but meeting the target starting with 2022. Staff is comfortable with not meeting the target for the next few years given we are projected to meet most of the other financial targets. ENVIRONMENTAL RESOURCES OPERATING FUND The Environmental Resources Fund reflects the cost of managing, promoting and protecting the City’s natural resources including lakes, wetlands, streams, prairies and woodlands. The 2020 budget includes annual storm water rehabilitation projects and increases in Forestry program expenses. The revenues for this Fund reflect an increase of $2.16 in the quarterly charge. A larger increase for one more year, followed by smaller annual increases to cover inflationary pressures in the following years results in meeting more of our financial targets over the 10-year period. The underlying goals with these rate adjustments are as follows:  Maintain a minimum cash balance to fund three months of operating expenses, debt service payments, and emergency maintenance expenses ($100K).  Maintain a debt service coverage ratio of at least 125%.  Maintain a ratio of unrestricted net assets that is at least 50% of the subsequent year’s operating expenses. The proposed Environmental Resources rate increase for 2020 (and projected increases for 2021-2029) are projected to have the following impacts on the financial targets:  Meeting all cash targets for all years 2020-2029. 7  The Environmental Resources Fund currently does not hold any debt, so the debt service coverage ratio target is not applicable.  Short on unrestricted net assets percentage for all years presented. Staff would prefer to meet this target, however, we do not desire to excessively inflate the fund’s cash position in order to quickly meet the target. CHARTS The following charts reflect the expenses, revenues, and projected cash position for each of the utility funds, including proposed rate increases. These will be referenced during our discussion. Percentage of total operating fund expenses by year by type:  2020 2021 2022 2023 2024 2025 Operating expenses 39% 48% 38% 51% 54% 51% Capital  assets/major maintenance 45% 26% 41% 22% 18% 23% Debt payments 15% 26% 21% 27% 28% 25% 8 9 10 Percentage of total operating fund expenses by year by type:  2020 2021 2022 2023 2024 2025 Operating expenses 22% 21% 22% 21% 21% 21% MCES wastewater  charges 63% 59% 64% 63% 64% 65% Capital  assets/major maintenance 15% 19% 12% 15% 14% 13% Debt payments 1% 1% 1% 1% 1% 1% 11 12 13 The chart below shows the approximate annual fee paid for Environmental Resources/Storm Water services by city. Cities have differing rates due to the age of infrastructure, size of the community, goals, and different programs supported by the fund. For example, Lakeville includes our Forestry program within this fee while Forestry programs may not be included in other cities’ rates, and/or other cities may not have the same level of focus needed on programs such as Emerald Ash Borer. 14 LIQUOR FUND The proposed 2020 Liquor Fund budget reflects the costs of operating the three liquor stores. The 2020 budget also includes various transfers from the Liquor Fund to support other city endeavors including the following:  Debt Service – police station bonds - $400,000  Equipment Fund – capital equipment - $500,000  Debt Service – Galaxie store bonds - $284,000  General Fund – administration, technology, etc. - $143,000  Technology Fund – technology-related equipment - $70,000  Environmental Resources – household hazardous waste drop-off day - $4,000  General Fund- fireworks - $13,000 BUDGET AND CAPITAL IMPROVEMENT PROGRAM SCHEDULE Nov 25 Workshop – Final 2020 Budget Review; 2019 Yearend Preview Dec 2 Meeting – Public Budget Meeting (Truth in Taxation) / Adopt 2020 Budget & 2020 Tax Levy / Adopt 2020 Fee Schedule COUNCIL DIRECTION Staff is seeking direction regarding the Utility Fund and Liquor Fund budgets and utility rate adjustments. Attachments 1. Liquor Fund – Working Capital (2 pages) 2. Utility Financial Planning Models (4 pages) 2019 2019 2020 2017 2018 ADOPTED DEPART DEPART ACTUAL ACTUAL BUDGET ESTIMATE ESTIMATE Revenues Liquor sales 14,583,514 15,276,433 15,360,906 15,829,437 15,898,952 Cost of goods sold (11,005,245) (11,465,639) (11,583,628) (11,872,078) (11,923,215) Net revenues 3,578,269 3,810,794 3,777,278 3,957,359 3,975,737 Expenses Personnel services 1,465,977 1,576,589 1,643,567 1,604,454 1,757,091 Commodities 58,406 71,632 79,362 80,191 79,619 Contractual services 784,061 1,010,183 1,087,236 1,194,278 1,371,375 Total expenses 2,308,444 2,658,404 2,810,165 2,878,923 3,208,085 Net operating income/(loss)1,269,825 1,152,390 967,113 1,078,436 767,652 Other Receipts (Disbursements) Interest income 5,936 30,878 19,110 15,000 15,000 Other income 7,928 13,421 6,716 3,762 3,762 Sale of capital assets (7,340) 2,350,762 - - - Capital outlay acquisitions (56,272) - (79,785) (79,785) (49,790) Paying agent (421) (157) - - - Interest expense (121,431) - - - - Bond Defeased (438,300) - - - - Debt principal payments (190,000) - - - - Total other (799,900) 2,394,904 (53,959) (61,023) (31,028) Net incr(decr) before transfers 469,925 3,547,294 913,154 1,017,413 736,624 Transfer from Debt Service 809,069 - - - - Transfer to General Fund (Admin.) (145,706) (141,753) (101,979) (99,743) (83,786) Transfer to Gen Fund (technology) (53,113) (53,113) (56,594) (56,594) (59,626) Transfer to Gen Fund (Fireworks) - - - (6,302) (13,000) Trasfter to Comm (Marketing Spec) - (123,260) (91,267) (86,097) - Trasfter to Comm (Fiber) (9,163) (6,789) (7,503) - - Transfer to Environmental Resources (2,482) (2,177) (4,525) (2,640) (4,356) Transfer to Equip/Tech Fund - (250,000) (400,000) (400,000) (569,677) Transfer to Capital Projects (13-09) (1,289) - - - - Transfer to Debt Service (787,209) - - - - Transfer to DSF (Galaxie Lease) - (46,168) (274,100) (273,650) (284,200) Transfer to DSF Police Station Bonds (346,360) (300,000) (400,000) (400,000) (400,000) Total transfers (536,253) (923,260) (1,335,968) (1,325,026) (1,414,645) Net increase/(decrease) (66,328) 2,624,034 (422,814) (307,613) (678,021) Working capital, January 1 1,137,560 1,071,232 3,007,218 3,695,266 3,387,653 Working capital, December 31 1,071,232 3,695,266 2,584,404 3,387,653 2,709,632 LIQUOR FUND PROJECTED WORKING CAPITAL G:\Budget\2020 Budget\Budget Preliminary\LIQUOR 2020 PRELIMINARY BUDGET : BUDGET Page 1 10/23/2019 2019 2019 2020 2017 2018 ADOPTED DEPART DEPART ACTUAL ACTUAL BUDGET ESTIMATE ESTIMATE LIQUOR FUND PROJECTED WORKING CAPITAL Total Working Capital 1,071,232 3,695,266 2,584,404 3,387,653 2,709,632 Work Cap - Reserved for future - - 2,105,718 2,053,746 1,869,354 Work Cap - Available for operations 1,071,232 3,695,266 478,686 1,333,907 840,278 G:\Budget\2020 Budget\Budget Preliminary\LIQUOR 2020 PRELIMINARY BUDGET : BUDGET Page 2 10/23/2019 City of Lakeville Utility Financial Planning Model Water Summary Water Summary Water Fund2020 2021 2022 2023 2024 2025 2026 2027 2028 2029Ending Cash by PurposeUnassigned 2,194,972167,394 364,745844,200 800,611 681,483 745,679 846,899 707,225 754,700Unspent bond proceeds (restricted)0000000000For 3-months of operating cash 780,400 799,302 818,682 838,551 858,922 879,809 901,224 923,183 945,698 968,786For following year debt service 1,740,231 1,818,552 1,797,738 1,800,650 1,800,406 1,530,550 1,379,238 1,367,894 1,272,294 1,212,538For next year planned capital 959,340 3,589,871 1,493,151 1,165,856 1,658,686 1,972,977 1,903,486 1,837,032 2,131,273 1,959,115Ending Cash by Purpose 5,674,943 6,375,119 4,474,315 4,649,257 5,118,625 5,064,819 4,929,626 4,975,007 5,056,490 4,895,139Unrestricted Net AssetsUnrestricted Net Assets8,054,832 8,799,262 6,943,416 7,164,038 7,679,824 7,673,243 7,585,931 7,680,035 7,811,043 7,700,036Subsequent Year's Operating Expense3,121,598 3,197,209 3,274,727 3,354,203 3,435,688 3,519,234 3,604,897 3,692,731 3,782,793 3,875,144Unrestricted Net Assets as % of Expense258% 275% 212% 214% 224% 218% 210% 208% 206% 199%Revenues5,895,939 6,779,735 6,957,741 7,007,040 7,056,374 7,105,743 7,155,148 7,204,589 7,254,066 7,303,579 Expenditures5,987,633 6,105,968 6,271,325 6,386,172 6,494,795 6,617,747 6,750,617 6,883,867 7,017,627 7,160,971 Net Revenue for Debt Coverage2,139,513 2,880,577 3,697,861 3,805,158 3,763,633 3,734,716 3,705,886 3,671,367 3,634,200 3,596,160 Total Water Fund Debt Service 11,249,438 1,740,231 1,818,552 1,797,738 1,800,650 1,800,406 1,530,550 1,379,238 1,367,894 1,272,294 Debt Service Coverage Ratio171% 166% 203% 212% 209% 207% 242% 266% 266% 283%Rate increase 15.5% 15.0% 2.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%Change in Net Position(1,104,295) (375,512) (325,586) (369,118) (395,752) (426,632) (201,620) (261,244) (320,232) (394,451) New Debt3,470,000 845,000 - - - - - - - - TargetsMinimum Unassigned Cash Balance500,000 Unrestricted Net Assets as % of Expense50%Debt Service Coverage125%No New Debt After202110/22/2019Page 1 of 2 City of Lakeville Utility Financial Planning Model Sewer SummarySewer SummarySewer Fund2020 2021 2022 2023 2024 2025 2026 2027 2028 2029Ending Cash by PurposeUnassigned503,783 990,493 1,016,359 1,057,993 1,095,609 702,060 759,669 717,267 693,927 518,553For 3-months of operating cash 1,406,103 1,415,331 1,488,674 1,566,299 1,647,862 1,733,880 1,824,891 1,920,551 2,021,404 2,128,011For following year debt service 71,750 75,650 73,375 70,125 71,75000000For next year planned capital 1,384,457 875,000 1,185,000 1,141,715 1,108,520 1,568,477 1,065,239 1,106,714 1,020,029 1,093,541Ending Cash by Purpose 3,366,092 3,356,474 3,763,409 3,836,132 3,923,740 4,004,417 3,649,799 3,744,531 3,735,359 3,740,105Unrestricted Net PositionUnrestricted Net Assets2,747,315 2,737,696 3,144,631 3,217,355 3,304,963 3,385,640 3,031,022 3,125,754 3,116,582 3,121,328Subsequent Year's Operating Expense5,661,323 5,954,698 6,265,198 6,591,446 6,935,521 7,299,564 7,682,204 8,085,616 8,512,042 8,961,954Unrestricted Net Assets as % of Expense49% 46%50%49% 48% 46% 39% 39% 37% 35%Revenues 6,969,526 7,243,085 7,452,203 7,741,177 8,040,954 8,351,922 8,674,489 9,009,073 9,356,108 9,716,045 Expenditures 7,388,093 7,459,617 7,774,867 8,114,992 8,469,784 8,841,572 9,244,827 9,654,097 10,085,177 10,537,104 Net Revenue for Debt Coverage 7,542,093 7,459,617 7,774,867 8,114,992 8,469,784 8,841,572 9,244,827 9,654,097 10,085,177 10,537,104 Total Sewer Fund Debt Service 73,700 71,750 75,650 73,375 70,125 71,750 - - - - Debt Service Coverage Ratio 10234% 10397% 10277% 11060% 12078% 12323%Rate increase 6.0% 3.0% 2.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%Change in Net Position (403,148) (358,268) (468,565) (522,869) (580,232) (643,449) (728,340) (809,165) (899,538) (998,054) New Debt - - - - - - - - - - TargetsMinimum Unassigned Cash Balance500,000 Unrestricted Net Assets as % of Expense50%Debt Service Coverage125%No New Debt After202010/22/2019Page 2 of 2 Street Light Summary Street Light FundRevised 10.22.192020 2021 2022 2023 2024 2025 2026 2027 2028 2029Ending Cash by PurposeUnassigned (target $100,000)74,727           112,241      192,514      218,061      231,558      132,374      169,572      76,925         92,257         210,667      For 3‐months of operating cash 209,946         216,245      226,907      233,714      242,983      250,272      257,780      265,514      273,479      281,684      For following year debt service 52,500           50,500         53,375         51,125         53,750         51,250          ‐                     ‐                     ‐                     ‐                    For next year planned capital 169,500         142,760      115,480      172,780      193,090      314,810      243,210      386,410      293,330      200,250      Ending Cash by Purpose 506,674         521,746      588,275      675,680      721,380      748,707      670,562      728,849      659,067      692,601      Unrestricted Net AssetsUnrestricted Net Assets295,030         350,102      456,631      589,036      679,736      757,063      728,918      787,205      717,423      750,959      Subsequent Year's Operating Expense*839,786         864,979      907,627      934,856      971,931      1,001,089   1,031,122   1,062,055   1,093,917   1,126,735   Unrestricted Net Assets as % of Expense35% 40%50% 63% 70% 76% 71% 74% 66% 67%Revenues 1,021,425      1,076,858   1,124,769   1,163,887   1,204,461   1,246,097   1,289,004   1,332,619   1,378,683   1,420,781   Expenditures992,556         1,009,286   1,007,739   1,023,107   1,107,636   1,165,021   1,315,899   1,274,332   1,448,465   1,387,247   Cash 506,674         521,746      588,275      675,680      721,380      748,707      670,562      728,849      659,067      692,601      Net Revenue for Debt Coverage 28,869           67,572         117,029      140,780      96,825         81,076         (26,895)       58,287         (69,783)       33,534         Total Street Light Fund Debt Service48,700           52,500         50,500         53,375         51,125         53,750         51,250          ‐                     ‐                     ‐                    Debt Service Coverage Ratio0.59                1.29             2.32             2.64             1.89             1.51             (0.52)            N/A N/A N/ARate increase 11% 5% 4% 3% 3% 3% 3% 3% 3% 3%Change in Net Position 55,072           106,529      132,405      90,700         77,326         (28,145)       58,287         (69,783)       33,536         147,443      TargetsMinimum Unassigned Cash Balance100,000         Unrestricted Net Assets as % of Expense50%Debt Service Coverage 1.25No New Debt Aftern/a*Excludes major maintenance estimates Environmental Resources Summary Environmental Resources FundRevised 10.22.192020 2021 2022 2023 2024 2025 2026 2027 2028 2029Ending Cash by PurposeUnassigned (target $100,000) 190,950      106,986      110,004      106,299      104,431      106,171      110,636      116,153      114,969      104,254      For 3‐months of operating cash 532,407      535,462      548,130      561,107      574,400      588,016      602,741      617,031      631,672      646,672      For following year debt service‐                     ‐                     ‐                     ‐                     ‐                     ‐                     ‐                     ‐                     ‐                     ‐                    For next year planned capital 22,083        30,520         ‐                ‐                ‐                ‐                ‐                ‐                ‐                ‐               Ending Cash by Purpose 745,440      672,968      658,134      667,406      678,831      694,188      713,377      733,184      746,641      750,926      Unrestricted Net AssetsUnrestricted Net Assets 659,534      625,133      613,315      625,622      642,069      662,555      686,983      712,141      728,887      736,480      Subsequent Year's Operating Expense* 2,129,628   2,141,846   2,192,521   2,244,427   2,297,598   2,352,065   2,410,963   2,468,125   2,526,688   2,586,686   Unrestricted Net Assets as % of Expense31% 29% 28% 28% 28% 28% 28% 29% 29% 28%Revenues 2,129,399   2,092,661   2,135,011   2,178,405   2,233,570   2,289,902   2,347,436   2,406,192   2,454,076   2,502,622   Expenditures 2,370,697   2,129,628   2,141,846   2,192,521   2,244,427   2,297,598   2,352,065   2,410,963   2,468,125   2,526,688   Cash 745,440      672,968      658,134      667,406      678,831      694,188      713,377      733,184      746,641      750,926      Net Revenue for Debt Coverage (241,298)     (36,966)       (6,835)         (14,116)       (10,857)       (7,696)         (4,630)         (4,771)         (14,049)       (24,065)       Total Env Resources Fund Debt Service‐                     ‐                     ‐                     ‐                     ‐                     ‐                     ‐                     ‐                     ‐                     ‐                    Debt Service Coverage Ratio N/A N/A N/A N/A N/A N/A N/A N/A N/A N/ARate increase 15% 2.0% 1.0% 1.0% 1.5% 1.5% 1.5% 1.5% 1.0% 1.0%Change in Net Position (240,542)     (36,318)       (6,298)         (13,693)       (10,553)       (7,513)         (4,572)         (4,842)         (14,254)       (24,407)       TargetsMinimum Unassigned Cash Balance 100,000      Unrestricted Net Assets as % of Expense 50%Debt Service Coverage 1.25No New Debt After n/a