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HomeMy WebLinkAbout06.27.23 CITY OF ST. JOSEPH www.cityofstjoseph.com 75 Callaway Street East | Saint Joseph, Minnesota 56374 Email: cityoffices@cityofstjoseph.com | Phone: 320.363.7201 | Fax 320.363.0342 St. Joseph City Council AMENDED June 27, 2023 6:00 PM **The City Council meeting will be conducted in-person in the council chambers of the St. Joseph Government Center. Members of the public can attend in-person or via Zoom. ** Join Zoom Meeting https://us06web.zoom.us/j/85939834689?pwd=Mm9CK1VYVU5tTEd3T2lWK3p6N2thQT09 Meeting ID: 859 3983 4689 Passcode: 102598 1. 6:00 PM Call to order - Pledge of Allegiance 2. Public Comments Up to 3 speakers will be allowed for up to 3 minutes each to address the council with questions/concerns/comments (regarding an item NOT on the agenda). No Council response or action will be given/taken other than possible referral to Administration. 3. Approve Agenda 4. Consent Agenda a. Minutes – Requested Action: Approve the minutes of June 5, 2023. b. Bills Payable – Requested Action: Approve Check Numbers 60598-60683, Account Payable & Payroll EFT #3060-3078; Regular Pay Period 12. c. Donations – Requested Action: Accept the Donations as presented. d. Local Option Sales Tax Resolution – Requested Action: Approve Resolution 2023-029 Approving Special Legislation MN Laws and submit the Certificate of Special Law by Governing Body to the MN Secretary of State. e. Interior Easement Vacation Request, Northland Heights – Requested Action: Approve Resolution 2023-030 Approving interior easement vacation request. 5. Public Hearing – 2023 Street Improvement Project Assessment Hearing 6. 2022 Audit Presentation, BerganKDV 7. Series 2023A Bond Issue 8. Street Closure Request – Millstream Arts Festival 9. Special Event Permit – Rock 4 Alzheimer’s, Bad Habit Brewing Company 10. Consideration of Approval of Agreement between the City of St. Joseph and Northern Natural Gas 11. Engineer Reports 12. Department Reports 13. Mayor and Council Reports and Miscellaneous Business 14. Adjourn June 5th, 2023 Page 1 of 2 Pursuant to due call and notice thereof, the City Council for the City of St. Joseph met in regular session on Monday, June 5th, 2023, at 6:00PM in the St. Joseph Government Center. Members Present: Mayor Rick Schultz, Councilmembers Kevin Kluesner, Bob Loso Absent: Councilmembers Kelly Beniek, Adam Scepaniak City Representatives Present: Administrator David Murphy, Finance Director Lori Bartlett, Public Works Director Ryan Wensmann, City Clerk Kayla Klein, Police Chief Dwight Pfannenstein, City Engineers Randy Sabart and Bryce Johnson, Recreation Director Rhonda Juell Others Present: St. Joseph Fire Fighter Keith Louwagie Public Comments: None. Approve Agenda: Loso motioned to approve the agenda; seconded by Kluesner and passed unanimously. Consent Agenda: Loso made a motion to approve the consent agenda; seconded by Kluesner and passed unanimously. Consent Agenda: a. Minutes – Requested Action: Approve the minutes of May 15, 2023. b. Bills Payable – Requested Action: Approve Check Numbers 60516-60597, Account Payable & Payroll EFT # 3044-3059; Regular Pay Period 10 and 11. c. 2023-2024 Liquor Licenses – Requested Action: Approve the 2023-2024 Intoxicating Liquor Licenses as presented. d. 2022 Transfers – Requested Action: Approve the 2022 transfers as presented. e. State Bonding Requests – Requested Action: Approve Resolution 2023-026 supporting applications for state bonding requests for the Community Center Project and County Road 2 Sewer Extension Project. f. 2022 Equity Classifications – Requested Action: Approve the equity designations as presented. St. Joseph Fire Relief Update: St. Joseph Fire Fighter Keith Louwagie presented an update on the St. Joseph Fire Relief fund. As part of the update, the Relief Association is requesting that an increase to the benefit level be considered from the current $3200 to $3400 and that the increase take effect January 1st, 2024. Schultz asked how much the City donates to the relief fund. Finance Director Bartlett shared the City is not required to contribute funds; however, the City and the townships have agreed to a minimum of $3000 annually for municipal contribution. Discussion between the Council and Louwagie continued regarding what the relief fund is used for, who manages the relief fund and how the statements are reviewed. Kluesner motioned to approve the request to increase the annual contribution from the current $3200 per year of service per firefighter to $3400 per year of service per firefighter effective January 1, 2024; seconded by Loso and passed unanimously. Consideration of approval of Pay Equity Study Amendment: City Administrator David Murphy presented the Pay Equity Study Amendment with David Drown & Associates (DDA). The previously completed pay grid calibration used different criteria and is not compatible with current needs. The proposal up for adoption will allow DDA to prepare a more accurate pay grid calibration which will give the City a precise prediction of payroll costs for 2024. Loso motioned to Approve Amendment to 2023 Pay Equity Study with David Drown & Associates; seconded by Kluesner and passed unanimously. June 5th, 2023 Page 2 of 2 Northern Natural Gas Agreement: City Administrator David Murphy shared with the Council that staff has been working with Northern Natural Gas (NNG) for the past several months to develop an easement to allow for expansion of the Town Border Station located at the intersection of College Avenue and Field Street as well as an agreement to access the service road at the site. Currently, the property surrounding their station is owned by the City. The City Attorney has reviewed, modified, and approved both agreements. Norther Natural Gas has reviewed the City Attorney’s changes and agreed to them. Council is asked to consider approving the access road agreement and the Pipeline Facility Easement. Schultz made a motion to approve the Access Road Agreement and Pipeline Facility Easement between the City of St. Joseph and Northern Natural Gas; seconded by Loso and passed unanimously. Engineer Reports: City Engineer Randy Sabart presented to the Council two resolutions related to the 2023 Street Improvement Project. The first resolution schedules the special assessment hearing. The second resolution is to declare the cost of the assessment. The total estimated cost of the project is $3,295,800. The portion of the cost to be paid by the City is declared to be $2,409,449; the portion of the cost for benefiting properties is declared to be $886,351. The proposed interest rate on assessments is 5%. Kluesner motioned to approve Resolution 2023-027 declaring costs to be assessed and ordering preparation of proposed assessment and Resolution 2023-028 calling for hearing on proposed assessment for 2023 Street Improvements; seconded by Loso and passed unanimously. Administrator Reports: City Administrator David Murphy shared the July 12th, 2023 teambuilding session for Council and Staff has been confirmed and will be held at CSB. Mayor and Council Reports/Updates: Mayor Schultz shared the City was able to get legislative action done on the Local Options Sales Tax; however, did not receive any bonding this session. Schultz would like to discuss the possibility of working with DeLaforest consulting to lobby for the sewer main line extension in the future after it is confirmed whether legislators will bond in 2024. Kluesner asked staff for a status update regarding the applications submitted by the City for federal monies to Tina Smith, Tom Emmer and Amy Klobuchar’s offices for the YMCA and sewer main line projects. Sabart responded the City received acknowledgement of submittal; however, have not received whether further consideration has been given to those applications. Adjourn: Loso made a motion to adjourn at 6:44PM; seconded by Kluesner and passed unanimously. Kayla Klein City Clerk STAFF MEMO Prepared by: Debbie Kulzer Meeting Date: 6/27/23 ☒ Consent Agenda Item ☐ Regular Agenda Item Agenda Item # 4b Reviewed by: Item: Bills Payables ACTION REQUESTED Approve the bills payables as presented. BOARD/COMMISSION/COMMITTEE RECOMMENDATION none PREVIOUS COUNCIL ACTION See below REFERENCE AND BACKGROUND The council approved staff to make the following payments through the payroll contracts, regular monthly invoices with due dates prior to the next scheduled council meeting, or actions taken at previous council meetings. The information here is to provide you all checks and electronic payments made for verification of the disbursement completeness. BUDGET IMPACT Bills Payable – Checks Mailed Prior to Council Approval Regular PP 12 $63,658.77 Payroll & Accounts Payable EFT #3060 - #3078 $119,892.33 Check Numbers #60598 - #60680 $833,336.31 __________________________________________________ Total $1,016,887.41 Bills Payable – Checks Awaiting Council Approval Check Numbers #- #60681 - #60683 $9,728.27 Total $9,728.27 Total Budget/Fiscal Impact: $1,026,615.68 Various Funds STAFF RECOMMENDED ACTION Approve the bills payables as presented. SUPPORTING DATA/ATTACHMENTS Bill listing by EFT, paid prior to council approval and awaiting to be paid upon council approval. GL Check Check Vendor Invoice Invoice Check Period Issue Date Number Number Payee Number GL Account Amount 23-Jun 6/14/2023 ACH PAYROLL REG PP 12 VARIOUS $63,658.77 23-Jun 6/2/2023 3060 106468 AMERICAN FUNDS PR0526231 101-21705 $150.00 23-Jun 6/2/2023 3061 1224 EFTPS PR0526231 101-21703 $17,757.10 23-Jun 6/2/2023 3062 897 MN DEPARTMENT OF REVENUE PR0526231 101-21702 $3,889.91 23-Jun 6/2/2023 3063 63 PERA PR0526231 101-21704 $16,841.73 23-Jun 6/2/2023 3064 105209 SENTRY BANK PR0526231 101-21715 $2,271.91 23-Jun 6/2/2023 3065 106189 VOYA FINANCIAL PR0526231 101-21705 $2,550.00 23-Jun 6/6/2023 3066 63 PERA PP 9 - OT - 1 101-21704 $1,359.85 23-Jun 6/6/2023 3066 63 PERA PP 9 - OT- 1 101-21704 $143.89 23-Jun 6/6/2023 3066 63 PERA PRO428231 101-21704 $18,381.16 23-Jun 6/5/2023 3067 104139 SENTRY BANK-CREDIT CARD MAY 2023 STMT - 1 101-41430-36300 $1,165.79 23-Jun 6/5/2023 3067 104139 SENTRY BANK-CREDIT CARD May 23 STMT - Kayla 101-41430-300 $183.41 23-Jun 6/5/2023 3067 104139 SENTRY BANK-CREDIT CARD May 23 STMT - Nate 101-41910-300 $1.00 23-Jun 6/5/2023 3067 104139 SENTRY BANK-CREDIT CARD May 23 STMT - Rhonda 101-45204-308 $2,321.86 23-Jun 6/5/2023 3067 104139 SENTRY BANK-CREDIT CARD May 23 STMT PD 101-42140-331 $1,633.93 23-Jun 6/2/2023 3068 106563 PAYMENT SERVICE NETWORK 45047 101-41530-300 $196.20 23-Jun 6/2/2023 3069 106705 SPEEDWAY May 23 STMT 602-49450-205 $2,312.36 23-Jun 6/2/2023 3070 108126 WEX 0001732190-IN 101-41430-300 $3.75 23-Jun 6/15/2023 3071 106468 AMERICAN FUNDS PR0609231 101-21705 $150.00 23-Jun 6/15/2023 3072 106514 DELTA DENTAL CNS0001257447 101-21706 $2,970.01 23-Jun 6/15/2023 3073 1224 EFTPS PR0609231 101-21703 $17,866.46 23-Jun 6/15/2023 3074 897 MN DEPARTMENT OF REVENUE PR0609231 101-21702 $3,831.84 23-Jun 6/15/2023 3075 63 PERA PR0609231 101-21704 $18,882.11 23-Jun 6/15/2023 3076 105209 SENTRY BANK PR0609231 101-21715 $2,271.91 23-Jun 6/15/2023 3077 106543 THE HARTFORD 3.95922E+11 101-21711 $206.15 23-Jun 6/15/2023 3078 106189 VOYA FINANCIAL PR0609231 101-21705 $2,550.00 23-Jun 6/1/2023 60598 24-Mar CENTRACARE May 23 STMT 601-49440-300 $60.00 23-Jun 6/1/2023 60599 20-Apr GILLELAND CHEVROLET CADILLAC 15-May 602-49450-230 $110.36 23-Jun 6/1/2023 60599 20-Apr GILLELAND CHEVROLET CADILLAC 1041469-1 101-43120-230 $8.69 23-Jun 6/1/2023 60599 20-Apr GILLELAND CHEVROLET CADILLAC 1041469-2 602-49450-230 $26.07 23-Jun 6/1/2023 60600 12-Jun GOODIN COMPANY 05350977-00 101-45202-210 $122.26 23-Jun 6/1/2023 60601 25-Apr HACH COMPANY 13573855 601-49421-210 $289.62 23-Jun 6/1/2023 60602 5-Feb HAWKINS, INC 6476365 601-49420-210 $1,402.24 23-Jun 6/1/2023 60603 9-May MELROSE 1 STOP 30-May 101-43125-230 $50.77 23-Jun 6/1/2023 60604 9-Feb METERING & TECHNOLOGY SOLUINV2469 601-49430-210 $219.44 23-Jun 6/1/2023 60605 25-May MIDWAY IRON AND METAL, INC 28-Apr 602-49450-230 $22.73 23-Jun 6/1/2023 60606 11-Dec MIDWEST MACHINERY CO.9591832 101-45202-230 $297.15 23-Jun 6/1/2023 60606 11-Dec MIDWEST MACHINERY CO.9603282 101-45202-230 $11.08 23-Jun 6/1/2023 60607 20-Nov MOMENTUM TRUCK GROUP X194154124:01 602-49450-230 $115.85 23-Jun 6/1/2023 60608 3-Jun MVTL LABORATORIES, INC 8-May 602-49480-312 $512.60 23-Jun 6/1/2023 60609 9-Feb NORTHLAND TRUST SERVICES IN STJO16A - 9 301-47100-611 $37,321.25 23-Jun 6/1/2023 60609 9-Feb NORTHLAND TRUST SERVICES IN STJO16B - 8 304-47100-611 $5,512.50 23-Jun 6/1/2023 60609 9-Feb NORTHLAND TRUST SERVICES IN STJO17B -7 305-47100-611 $2,550.00 23-Jun 6/1/2023 60609 9-Feb NORTHLAND TRUST SERVICES IN STJO18A - 6 306-47100-611 $700.00 23-Jun 6/1/2023 60609 9-Feb NORTHLAND TRUST SERVICES IN STJO19A - 5 307-47100-611 $60,850.00 23-Jun 6/1/2023 60609 9-Feb NORTHLAND TRUST SERVICES IN STJO20B - 3 310-47100-611 $18,460.00 23-Jun 6/1/2023 60609 9-Feb NORTHLAND TRUST SERVICES IN STJO21A - 4 601-47100-611 $82,400.00 23-Jun 6/1/2023 60609 9-Feb NORTHLAND TRUST SERVICES IN STJO22A 316-47100-620 $234,986.67 23-Jun 6/1/2023 60610 21-Apr O REILLY AUTO PARTS 5771-294417 101-43201-210 $73.44 23-Jun 6/1/2023 60610 21-Apr O REILLY AUTO PARTS 5771-295103 101-43220-230 $34.76 23-Jun 6/1/2023 60610 21-Apr O REILLY AUTO PARTS 5771-295299 101-43201-210 $22.98 23-Jun 6/1/2023 60610 21-Apr O REILLY AUTO PARTS 5771-295935 101-45202-230 $23.67 23-Jun 6/1/2023 60611 18-Apr Pete Schleper 05.13.23 205-45202-531 $2,500.00 23-Jun 6/1/2023 60612 12-Nov RIDGEWOOD CONTRACTING, LLC 15-Jul 101-43120-220 $213.30 23-Jun 6/1/2023 60613 27-Feb SHIFT TECHNOLOGIES, INC.1-Feb 601-49421-300 $91.00 23-Jun 6/1/2023 60614 25-Feb SUNSET MFG CO., INC.3-Jun 101-43120-220 $1,140.00 23-Jun 6/1/2023 60615 25-Feb SYLVA CORPORATION INC 27-Jan 101-45202-220 $223.30 23-Jun 6/1/2023 60615 25-Feb SYLVA CORPORATION INC 28-Jan 101-45202-220 $223.30 23-Jun 6/1/2023 60615 25-Feb SYLVA CORPORATION INC 29-Jan 101-45202-220 $223.30 23-Jun 6/1/2023 60615 25-Feb SYLVA CORPORATION INC 30-Jan 101-45202-220 $223.30 23-Jun 6/1/2023 60615 25-Feb SYLVA CORPORATION INC 31-Jan 101-45202-220 $223.30 23-Jun 6/1/2023 60615 25-Feb SYLVA CORPORATION INC 1-Feb 101-45202-220 $223.30 23-Jun 6/1/2023 60615 25-Feb SYLVA CORPORATION INC 4-Feb 101-45202-220 $223.30 23-Jun 6/1/2023 60616 19-Apr TIREMAXX SERVICE CENTERS 19-Apr 101-45202-230 $76.00 23-Jun 6/1/2023 60617 2-Nov TRAUT COMPANIES 10-Oct 601-49420-312 $35.00 23-Jun 6/1/2023 60618 27-Dec ZARNOTH BRUSH WORKS INC 0193810-IN 101-43220-230 $6,195.00 23-Jun 6/8/2023 60619 5-Mar 360 RENTS 22-May 651-49900-410 $145.00 23-Jun 6/8/2023 60620 22-May AFSCME COUNCIL 65 4-Jan 101-21707 $793.00 23-Jun 6/8/2023 60621 24-Apr ALL PRO POWDER COATING, INC 11-Feb 101-43120-220 $120.00 23-Jun 6/8/2023 60622 1-Jun AXON ENTERPPRISE, INC.INUS161812 104-42120-580 $17,322.00 23-Jun 6/8/2023 60623 26-Jul BRUNO PRESS 4-Jan 220-46500-300 $750.00 23-Jun 6/8/2023 60624 24-May CENTRAL HYDRAULICS, INC 18-May 602-49450-230 $105.98 23-Jun 6/8/2023 60625 8-Jun CITY OF ST. CLOUD AR028439 602-49480-602 $67,162.97 23-Jun 6/8/2023 60625 8-Jun CITY OF ST. CLOUD AR028555 101-42120-304 $21,650.00 23-Jun 6/8/2023 60626 5-Sep CIVIC SYSTEMS, LLC CVC23262 104-41530-582 $1,070.74 23-Jun 6/8/2023 60627 21-Apr DESIGN ELECTRIC, INC 8-Aug 652-43160-220 $153.95 23-Jun 6/8/2023 60627 21-Apr DESIGN ELECTRIC, INC 9-Aug 101-43201-220 $1,557.98 23-Jun 6/8/2023 60628 10-Aug DTM FLEET SERVICE 28-Jun 109-42152-580 $4,407.09 23-Jun 6/8/2023 60629 7-Dec FARM-RITE EQUIPMENT, INC.P73221 101-43120-230 $42.48 23-Jun 6/8/2023 60630 7-Dec FASTENAL COMPANY MNST1193018 101-43201-210 $7.60 23-Jun 6/8/2023 60631 14-Aug GALLS, INC 24618681 101-42120-171 $1,224.07 23-Jun 6/8/2023 60632 16-Mar GRANITE ELECTRONICS, INC 154014395-1 101-42120-220 $81.00 23-Jun 6/8/2023 60633 5-Feb HAWKINS, INC 6482064 601-49420-210 $756.19 23-Jun 6/8/2023 60633 5-Feb HAWKINS, INC 6482065 601-49421-210 $2,978.58 23-Jun 6/8/2023 60634 16-Feb KINETIC 5-Mar 110-45205-300 $17,500.00 23-Jun 6/8/2023 60635 15-May KWIK TRIP Partial Refund 4/4/23 101-41430-34780 $50.00 23-Jun 6/8/2023 60636 18-Feb LAW ENFORCEMENT LABOR SERV 4-Jan 101-21707 $742.50 23-Jun 6/8/2023 60637 15-Jan LEAGUE OF MN CITIES 21-Jul 101-41430-331 $475.00 23-Jun 6/8/2023 60638 1-Jan LEES ACE HARDWARE May 23 STMT 101-42120-210 $15.18 23-Jun 6/8/2023 60639 22-Apr LUMBER ONE DEVELOPMENT CO Refund 101-41430-34103 $100.00 23-Jun 6/8/2023 60640 30-May MACQUEEN EMERGENCY, INC P43672 101-43220-230 $1,468.80 23-Jun 6/8/2023 60640 30-May MACQUEEN EMERGENCY, INC P49361 101-43220-230 $797.28 23-Jun 6/8/2023 60640 30-May MACQUEEN EMERGENCY, INC P49990 101-43220-230 $73.11 23-Jun 6/8/2023 60640 30-May MACQUEEN EMERGENCY, INC P50027 101-43220-230 $73.11 23-Jun 6/8/2023 60641 15-Aug MARTIN MARIETTA MATERIALS, 38793137 101-43120-220 $362.06 23-Jun 6/8/2023 60642 9-May MELROSE 1 STOP 30-May 101-43125-230 $50.77 23-Jun 6/8/2023 60643 9-Feb METERING & TECHNOLOGY SOLUINV2565 601-49430-210 $220.39 23-Jun 6/8/2023 60644 25-May MIDWAY IRON AND METAL, INC 11-Oct 101-45202-230 $29.13 23-Jun 6/8/2023 60645 21-Dec MIKES ELECTRIC 12-Feb 601-49410-220 $800.00 23-Jun 6/8/2023 60646 13-Dec MN DEPARTMENT OF HEALTH 04/01/23 - 06/30/23 601-49440-444 $4,495.00 23-Jun 6/8/2023 60647 24-Sep NORTHLAND BUSINESS SOLUTIO IN106352 101-42120-300 $2,265.47 23-Jun 6/8/2023 60648 21-Apr O REILLY AUTO PARTS 5771-296395 101-43120-230 $84.20 23-Jun 6/8/2023 60648 21-Apr O REILLY AUTO PARTS 5771-297005 602-49450-230 $16.99 23-Jun 6/8/2023 60648 21-Apr O REILLY AUTO PARTS 5771-297216 602-49450-230 $40.98 23-Jun 6/8/2023 60648 21-Apr O REILLY AUTO PARTS 5771-297865 101-43125-230 $37.49 23-Jun 6/8/2023 60649 6-Jun OPG-3, INC.11-May 101-41430-310 $148.00 23-Jun 6/8/2023 60650 20-Apr POWERHOUSE OUTDOOR EQUIP 7-Jul 101-45202-230 $132.66 23-Jun 6/8/2023 60650 20-Apr POWERHOUSE OUTDOOR EQUIP 29-Sep 601-49440-230 $42.79 23-Jun 6/8/2023 60650 20-Apr POWERHOUSE OUTDOOR EQUIP 17-Aug 602-49450-230 $8.49 23-Jun 6/8/2023 60651 13-Jan REPUBLIC SERVICES 0891-001274319 603-43230-384 $28,627.01 23-Jun 6/8/2023 60652 12-Nov RIDGEWOOD CONTRACTING, LLCMarch - May 2023 603-43230-300 $19,760.00 23-Jun 6/8/2023 60653 23-Apr SCHMITZ, DAN Refund 06/01/23 001-10105 $115.55 23-Jun 6/8/2023 60654 27-Feb SHIFT TECHNOLOGIES, INC.19-Mar 101-41710-310 $312.50 23-Jun 6/8/2023 60654 27-Feb SHIFT TECHNOLOGIES, INC.5-Apr 101-41710-310 $241.50 23-Jun 6/8/2023 60655 24-Jul STEARNS COUNTY RECORDER 2.023E+11 101-41910-340 $46.00 23-Jun 6/8/2023 60656 25-Jan STERICYCLE, INC.8004025907 101-41430-300 $73.95 23-Jun 6/8/2023 60657 2-Nov TRAUT COMPANIES 23-Jun 601-49420-312 $280.00 23-Jun 6/8/2023 60658 14-Jan WHEELCO INV361995 602-49450-230 $148.22 23-Jun 6/8/2023 60659 12-Dec WRUCK SEWER & PORTABLE RENI15960 101-45202-300 $179.00 23-Jun 6/8/2023 60660 17-Jun ZEP MANUFACTURING, INC 9008598347 602-49450-210 $396.34 23-Jun 6/9/2023 60661 17-Feb SEH, INC 1-Sep 411-43120-530 $1,165.00 23-Jun 6/9/2023 60661 17-Feb SEH, INC 12-Sep 415-43120-530 $762.75 23-Jun 6/9/2023 60661 17-Feb SEH, INC 25-Sep 101-43131-303 $8,815.41 23-Jun 6/9/2023 60661 17-Feb SEH, INC 14-Oct 417-43120-530 $19,960.00 23-Jun 6/9/2023 60661 17-Feb SEH, INC 19-Oct 417-43120-530 $8,093.25 23-Jun 6/9/2023 60661 17-Feb SEH, INC 19-Aug 415-43120-530 $3,439.70 23-Jun 6/9/2023 60661 17-Feb SEH, INC 5-Sep 101-43131-303 -$205.00 23-Jun 6/9/2023 60661 17-Feb SEH, INC 19-Sep 417-43120-530 $2,398.00 23-Jun 6/9/2023 60661 17-Feb SEH, INC 15-Dec 101-43131-303 $6,538.40 23-Jun 6/9/2023 60661 17-Feb SEH, INC 17-Jul 417-43120-530 $4,990.00 23-Jun 6/9/2023 60661 17-Feb SEH, INC 28-May 601-49434-303 $16,680.30 23-Jun 6/15/2023 60662 21-Apr ALEX AIR APPARATUS 2, LLC 7-Dec 210-42220-300 $832.39 23-Jun 6/15/2023 60663 15-Apr CENTRAL MCGOWAN, INC 27-Apr 101-42120-210 $29.25 23-Jun 6/15/2023 60663 15-Apr CENTRAL MCGOWAN, INC 0000715994 - B 210-42270-210 $29.26 23-Jun 6/15/2023 60664 18-Jun CINTAS CORPORATION NO. 2 May 23 STMT 101-41430-210 $739.45 23-Jun 6/15/2023 60665 25-Jan CLEARGOV INC.2023-13176 101-41530-310 $7,210.00 23-Jun 6/15/2023 60666 8-Mar COLD SPRING CO-OP May 23 STMT 101-45202-210 $710.00 23-Jun 6/15/2023 60667 21-Apr DESIGN ELECTRIC, INC 2-Aug 210-42280-300 $337.84 23-Jun 6/15/2023 60668 12-Jan EMERGENCY APPARATUS MAINT 21-Oct 210-42260-230 $416.00 23-Jun 6/15/2023 60668 12-Jan EMERGENCY APPARATUS MAINT 22-Oct 210-42260-230 $1,307.49 23-Jun 6/15/2023 60668 12-Jan EMERGENCY APPARATUS MAINT 23-Oct 210-42260-230 $219.22 23-Jun 6/15/2023 60668 12-Jan EMERGENCY APPARATUS MAINT 24-Oct 210-42260-230 $468.40 23-Jun 6/15/2023 60668 12-Jan EMERGENCY APPARATUS MAINT 25-Oct 210-42260-230 $1,372.15 23-Jun 6/15/2023 60668 12-Jan EMERGENCY APPARATUS MAINT 27-Oct 210-42260-230 $587.51 23-Jun 6/15/2023 60668 12-Jan EMERGENCY APPARATUS MAINT 28-Oct 210-42260-230 $1,340.10 23-Jun 6/15/2023 60668 12-Jan EMERGENCY APPARATUS MAINT 16-Apr 210-42260-230 $343.85 23-Jun 6/15/2023 60668 12-Jan EMERGENCY APPARATUS MAINT 1-Aug 210-42260-230 $749.65 23-Jun 6/15/2023 60669 14-Nov EO JOHNSON BUSINESS TECH INV1349895 101-41710-310 $401.00 23-Jun 6/15/2023 60670 5-Aug FIRE EQUIPMENT SPECIALTIES IN 4-Sep 416-42220-585 $2,406.94 23-Jun 6/15/2023 60671 5-Oct FIRSTNET 2.87295E+11 101-42151-321 $542.06 23-Jun 6/15/2023 60672 6-May JOVANOVICH, DEGE & ATHMANN 28-Dec 417-43120-530 $450.00 23-Jun 6/15/2023 60673 30-May MACQUEEN EMERGENCY, INC P15546 416-42220-585 $16,937.70 23-Jun 6/15/2023 60673 30-May MACQUEEN EMERGENCY, INC P15607 416-42220-585 $1,365.90 23-Jun 6/15/2023 60674 27-Feb MELROSE IMPLEMENT, INC 5-Jan 418-45202-580 $39,040.00 23-Jun 6/15/2023 60675 13-Aug MIDCONTINENT COMMUNICATIO 1.64557E+13 602-49480-321 $2,678.90 23-Jun 6/15/2023 60676 11-Jan STEARNS ELECTRIC ASSOCIATIONMay 23 STMT 602-49471-381 $2,604.11 23-Jun 6/15/2023 60677 12-May SWORSKI, MICHAEL 05.03.23 602-49450-171 $200.00 23-Jun 6/15/2023 60678 20-Nov VERIZON WIRELESS 9935617266 651-49900-580 $4,925.69 23-Jun 6/15/2023 60679 27-Feb XCEL ENERGY 830247500 652-43160-386 $13,037.53 23-Jun 6/15/2023 60680 5-Oct FIRSTNET 2.87296E+11 210-42250-321 $880.48 23-Jun 6/22/2023 60681 84 CENTRACARE Visit# 718325057 602-49450-300 $60.00 23-Jun 6/22/2023 60682 103063 INSPECTRON INC 2023-590 101-42401-300 $8,500.00 23-Jun 6/22/2023 60683 6 ST. CLOUD TIMES 5633879 417-43120-530 $1,168.27 Payroll $63,658.77 Accounts Payable & Payroll EFT $119,892.33 Check #'s $833,336.31 Council Approval Checks $9,728.27 STAFF MEMO Prepared by: Lori Bartlett, Finance Meeting Date: 6-27-23 ☒Consent Agenda Item ☐Regular Agenda Item Agenda Item # Reviewed by: Item: Donations and Contributions ACTION REQUESTED Approve Resolution 2023-034 accepting donations as presented. BOARD/COMMISSION/COMMITTEE RECOMMENDATION none PREVIOUS COUNCIL ACTION none REFERENCE AND BACKGROUND Minnesota Statute 465.03 requires that all gifts and donations of real or personal property be accepted only with the adoption of a resolution approved by two-thirds of the members of the City Council. By accepting the donations, the city is accepting the intent of the donations. The in-kind donations are estimates. Total Dog Park cash donations received through 5/31/23 = $7,055 + $1,149 for pavers and refreshments. Total Community Center/YMCA donations received through 5/31/23 = $13,041. BUDGET IMPACT $134.26 STAFF RECOMMENDED ACTION Accept the donations as presented in Resolution 2023-034. SUPPORTING DATA/ATTACHMENTS Resolution 2023-034 Accepting Donations 4c RESOLUTION 2023-035 RESOLUTION ACCEPTED DONATION(S) WHEREAS, The City of St. Joseph is generally authorized to accepts gifts and bequests pursuant to Minnesota Statutes Section 465.03 and Minnesota Statutes Section 471.17 for the benefit of its citizens; and WHEREAS, said Minnesota Statute 465.03 requires that all gifts and donations of real or personal property be accepted only with the adoption of a resolution approved by two-thirds of the members of the City Council; and WHEREAS, the following person/persons and/or entity/entities has/have donated real and/or personal property as follows: DONOR METHOD PURPOSE AMOUNT Anonymous Cash Disc Golf $16.00 Anonymous Cash RV Dump $87.00 Anonymous Cash Archery Range $9.26 Anonymous Cash Dog Park $22.00 WHEREAS, all such donations have been contributed to assist the various city departments and programs as allowed by law; and WHEREAS, the City Council finds that it is appropriate to accept the donations offered. NOW, THEREFORE BE IT RESOLVED BY THE CITY COUNCIL OF ST. JOSEPH, MINNESOTA, AS FOLLOWS: 1. The donations described above are accepted. 2. The Finance Department is hereby directed to issue receipts to each donor acknowledging the city’s receipt of the donors’ donations. ADOPTED by the City Council this 27h day of June, 2023. CITY OF ST. JOSEPH Rick Schultz, Mayor ATTEST David Murphy, City Administrator STAFF MEMO Prepared by: Lori Bartlett, Finance Director Meeting Date: 6-27-23 ☒ Consent Agenda Item ☐ Regular Agenda Item Agenda Item # 4d Reviewed by: Item: Certificate of Approval of Special Legislation: Community Center ACTION REQUESTED Adopt Resolution 2023-034 Approving Special Legislation MN Laws. BOARD/COMMISSION/COMMITTEE RECOMMENDATION None PREVIOUS COUNCIL ACTION Council submitted a special legislation resolution to request authorization a local option half cent sales tax to fund phase II of the community center and phases II/III of the East Park development. Council hired DeLaforest to lobby for the legislation. REFERENCE AND BACKGROUND The Minnesota State Legislators adopted policies for communities to request local option sales taxes. The following steps were imposed ty the State for cities to request new local sales taxing authority. 1. Adopt resolution proposing the tax. Projects must me regionally significant and a single building or park. 2. Submit resolution and supporting materials to state tax committees. 3. Get Legislative authority. 4. Once written in law, cities must adopt a resolution accepting the new law. 5. Once authored in State Laws and accepted by the city, a referendum of the voters must be held. The referendum must be held during a general election within two years of receiving legislative authority for the local sales tax. 6. If successful vote, the city will need to pass an ordinance imposing the tax. In the 2023 MN Legislative Session, Legislators enacted a law to allow the City of St. Joseph to ask for up to $18M in half cent sales tax for phase II of the community center and phase II/III of the East Park development. The 2023 regular session law is Chapter 64, Article 10, Section 46. Also, during the session, Legislators placed a moratorium on future local option sales tax requests for 2024 and 2025 until a committee can recommend a new process to allow new legislation. Staff engaged Taft Law Firm to review the law language to ensure future bonding is clear if St. Joseph is successful in implementing the local sales tax. The wording is very important to have clear and correct to avoid legal bonding requirements later on. Taft law prepared the resolution for council to accept the new law and the attached certificate to submit to the Secretary of State. The referendum is planned for the next general election in Nov. 2024. BUDGET IMPACT Up to $18,000,000 in new local option sales taxes. STAFF RECOMMENDED ACTION Adopt Resolution 2023-029 Approving Special Legislation MN Laws and submit the Certificate of Special Law by Governing Body to the Minnesota Secretary of State. SUPPORTING DATA/ATTACHMENTS Resolution 2023-029 Approving Special Legislation MN Laws Certificate of Special Law by Governing Body to the Minnesota Secretary of State 127556486v1 EXTRACT OF MINUTES OF A MEETING OF THE CITY COUNCIL OF THE CITY OF ST. JOSEPH, MINNESOTA HELD: June 27, 2023 Pursuant to due call and notice thereof, a regular or special meeting of the City Council of the City of St. Joseph, Stearns County, Minnesota, was duly called and held at City Hall in said City, on June 27, 2023, beginning at 6 p.m. The following members of the Council were present: and the following were absent: Member __________ introduced the following resolution and moved its adoption: RESOLUTION 2023-029 RESOLUTION OF THE CITY OF ST. JOSEPH, MINNESOTA APPROVING MINNESOTA LAWS, 2023 REGULAR SESSION CHAPTER 64, ARTICLE 10, SECTION 46 A. WHEREAS, the 2023 regular session of the Minnesota Legislature passed, and the Governor signed, Minnesota Session Laws, 2023, Regular Session, Chapter 64, Article 10, Section 46, which states as follows: Sec. 46. CITY OF ST. JOSEPH; TAXES AUTHORIZED. Subdivision 1. Sales and use tax authorization. Notwithstanding Minnesota Statutes, section 477A.016, or any other law, ordinance, or city charter, and if approved by the voters at an election as required under Minnesota Statutes, section 297A.99, subdivision 3, the city of St. Joseph may impose by ordinance a sales and use tax of one-half of one percent for the purposes specified in subdivision 2. Except as otherwise provided in this section, the provisions of Minnesota Statutes, section 297A.99, govern the imposition, administration, collection, and enforcement of the tax authorized under this subdivision. The tax imposed under this subdivision is in addition to any local sales and use tax imposed under any other special law. Subd. 2. Use of sales and use tax revenues. The revenues derived from the tax authorized under subdivision 1 must be used by the city of St. Joseph to pay the costs of collecting and administering the tax and paying for the following projects in the city, including securing and 127556486v1 paying debt service on bonds issued to finance all or part of the following projects: (1) $11,000,000 for construction of Phase II of the St. Joseph community center expansion; and (2) $6,000,000 for Phases II and III of the improvements to East Park along the Sauk River in the city of St. Joseph. Subd. 3. Bonding authority. (a) The city of St. Joseph may issue bonds under Minnesota Statutes, chapter 475, to finance all or a portion of the costs of the projects authorized in subdivision 2 and approved by the voters as required under Minnesota Statutes, section 297A.99, subdivision 3, paragraph (a). The aggregate principal amount of bonds issued under this subdivision may not exceed: (1) $11,000,000 for the project listed in subdivision 2, clause (1), plus an amount to be applied to the payment of the costs of issuing the bonds; and (2) $6,000,000 for the project listed in subdivision 2, clause (2), plus an amount to be applied to the payment of the costs of issuing the bonds. (b) The bonds may be paid from or secured by any funds available to the city of St. Joseph, including the tax authorized under subdivision 1. The issuance of bonds under this subdivision is not subject to Minnesota Statutes, sections 275.60 and 275.61. (c) The bonds are not included in computing any debt limitation applicable to the city of St. Joseph, and any levy of taxes under Minnesota Statutes, section 475.61, to pay principal and interest on the bonds is not subject to any levy limitation. A separate election to approve the bonds under Minnesota Statutes, section 475.58, is not required. Subd. 4. Termination of taxes. Subject to Minnesota Statutes, section 297A.99, subdivision 12, the tax imposed under subdivision 1 expires at the earlier of (1) 17 years after the tax is first imposed, or (2) when the city council determines that the amount received from the tax is sufficient to pay for the project costs authorized under subdivision 2 for projects approved by voters as required under Minnesota Statutes, section 297A.99, subdivision 3, paragraph (a), plus an amount sufficient to pay the costs related to issuance of any bonds authorized under subdivision 3, including interest on the bonds. Except as otherwise provided in Minnesota Statutes, section 297A.99, subdivision 3, 127556486v1 paragraph (f), any funds remaining after payment of the allowed costs due to the timing of the termination of the tax under Minnesota Statutes, section 297A.99, subdivision 12, shall be placed in the general fund of the city. The tax imposed under subdivision 1 may expire at an earlier time if the city so determines by ordinance. EFFECTIVE DATE. This section is effective the day after the governing body of the city of St. Joseph and its chief clerical officer comply with Minnesota Statutes, section 645.021, subdivisions 2 and 3. B. WHEREAS, such legislation requires local approval in accordance with Minnesota Statute, Section 645.021; and C. WHEREAS, the City desires the law to become effective; NOW THEREFORE, BE IT RESOLVED by the City Council of the City of St. Joseph, Minnesota, as follows: 1. Minnesota Session Laws, 2023, Regular Session, Chapter 64, Article 10, Section 46, is hereby approved. 2. The City Administrator is hereby instructed to submit the appropriate certificate and a copy of this Resolution to the Secretary of State of the State of Minnesota. Adopted on June 27, 2023, by the City Council of the City of St. Joseph, Minnesota. _______________________________________ Mayor ATTEST: ______________________________________ City Administrator The motion for the adoption of the foregoing resolution was duly seconded by Member ________________, and after full discussion thereof and upon vote being taken thereon, the following voted in favor thereof: and the following voted against the same: Whereupon said resolution was declared duly passed and adopted. 127556486v1 STATE OF MINNESOTA COUNTY OF STEARNS CITY OF ST. JOSEPH I, the undersigned, being the duly qualified and acting City Administrator of the City of St. Joseph, Minnesota, DO HEREBY CERTIFY that I have compared the attached and foregoing extract of minutes with the original thereof on file in my office, and that the same is a full, true and complete transcript of the minutes of a meeting of the City Council of said City, duly called and held on the date therein indicated, insofar as such minutes relate to the preliminary approval of the financing structure for the community center. WITNESS my hand on ____________, 2023. _______________________________________ City Administrator CERTIFICATE OF APPROVAL OF SPECIAL LAW BY GOVERNING BODY (Pursuant to Minnesota Statutes, 645.02 and 645.021) PLEASE TAKE NOTICE, That the undersigned chief clerical officer of the (designate governing body) (if other than resolution, specify) by a __________ majority vote* of all of the members thereof (Ayes_______; Noes ________; Absent or not voting __________) and the following additional steps, if any required by statute or charter were taken: ______________________________________________________________________________ A copy of the resolution is hereto annexed and made a part of this certificate by reference. Signed: _____________________________ ____________________________ (Official designation of officer) (This form prescribed by the Attorney General and furnished by the Secretary of State as required in Minnesota Statutes 645.021.) *If extraordinary majority is required by the special law, insert fraction o centage here. r per Please see reverse side for instructions for completing this form. S:\ELECT\ELECT\OPENAPPT\CERTIFICATE OF APPROVAL OF SPECIAL LAW.doc STATE OF MINNESOTA County of __________________ TO THE SECRETARY OF STATE OF MINNESOTA: _____________________________________________________________________________ DOES HEREBY CERTIFY, that in compliance with the provisions of Laws, 20_____, 22 Chapter _________ requiring approval by a m645.021 ajority* of the governing body of said local governmental unit before it becomes effective, the _________________________________ at a meeting duly held on the ____ day of _____________ 20_____, by resolution __________ __________________________________ did approve said Laws, 20_____, Chapter ________ Stearns City of St. Joseph, Minnesota 23 64, Article 10, Section 46 INSTRUCTIONS • Include the chapter number in the Laws of Minnesota that is to be approved on the Certificate of Approval form and in the resolution that approves the special law. • Return the completed originally signed Certificate of Approval form with a photo copy of the resolution that approved the special law to: Election Division Secretary of State 180 State Office Building 100 Rev. Dr. Martin Luther King Jr. Blvd St Paul, MN 55155-1299 • If you have any questions please contact Nancy Breems at 651/215-1440. STAFF MEMO Prepared by: Community Development Meeting Date: June 27th, 2023 ☐ Consent Agenda Item ☒ Regular Agenda Item Agenda Item # 4e Reviewed by: Item: Vacating interior easements between Lots 22 and 23 of Block 3 Northland Heights ACTION REQUESTED Approval of resolution 2023-030 BOARD/COMMISSION/COMMITTEE RECOMMENDATION Planning Commission held a public hearing and voted unanimously to approve the proposed vacation. Staff did receive a couple written comments which are included. One resident spoke at the Public Hearing but did not have any objections (clarification questions). PREVIOUS COUNCIL ACTION None REFERENCE AND BACKGROUND Applicant Information: Lumber One Development Company, LLC Existing Zoning: R-1 Single Family Residential (PUD) Future Land Use: Low density Residential Location: 1323 & 1327 Jasmine Lane Civil: City Engineer has reviewed the request and stated that there does not appear to be a conflict with any of the public utilities between the two lots. Drainage shall be properly routed around the house via the rear yard and remaining side yard easements. From a City of St. Joseph public utility perspective, the City Engineer supports the vacation request. Access: Access will be provided off Jasmine Lane WCA/Wetlands: N/A Vacation of Easements Request: The applicant is proposing to vacate the interior easements previously dedicated within the original plat of the Northland Heights Subdivision. The request is being pursued because the applicant has the intent to combine the two subject lots into one lot and build a home over the easement line. The interior easements need to be vacated as structures are not permitted over easements. Both easements are standard 5’ interior easements. Remaining easements around the perimeter of the lots will remain. The request only impacts the easements between the two lots (interior). The applicant will also be combining the two lots through the Administrative Subdivision application (no Council action required on this application). BUDGET IMPACT None STAFF RECOMMENDED ACTION Approval of resolution 2023-030 SUPPORTING DATA/ATTACHMENTS 1. Vacation application 2. Resolution 2023-030 3. Public comments REQUESTED COUNCIL ACTION: 1. Motion on resolution 2023-030 RESOLUTION 2023-030 RESOLUTION VACATING EASEMENTS AS LEGALLY DESCRIBED FOR LOTS 003, 004, OF BLOCK 003 AND OUTLOT E OF NORTHLAND BUSINESS CENTER WHEREAS, the Planning Commission of the City of St. Joseph held a public hearing on February 13th, 2023 following a publication, mailed and posted notice for the purpose of hearing those present to consider the vacation of drainage and utility easements; and WHEREAS, the easements to be vacated are legally described as: Southern interior drainage and utility easement over, under and across Outlot E, and lot 004, block 003 of Northland Business Center; western interior drainage and utility easement over, under and across Outlot E, Eastern and Northern drainage and utility easement over, under and across lot 004, block 003 of Northland Business Center, and the Eastern and Southern drainage and utility easement over, under, and across Lot 003, block 003 of Northland Business Center plat; and WHEREAS, it appeared in the best interests of the public and the City of St. Joseph that such a vacation of easements be vacated and discontinued; and WHEREAS, new easements will be dedicated as part of the plat for Northland Business Center 3rd Addition which is a re-plat of Lot 001, Block 001 of Northland Business Center 2nd Addition plat and Lot 003 and 004, Block 003 and Outlot E of Northland Business Center plat BE IT RESOLVED that the City Administrator and Mayor are hereby authorized to execute the vacation of easements; and NOW, THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF ST. JOSEPH, MINNESOTA, duly assembled that the following described easements hereby vacated to wit: The Southern interior drainage and utility easement over, under and across Outlot E, and lot 004, block 003 of Northland Business Center; western interior drainage and utility easement over, under and across Outlot E, Eastern and Northern drainage and utility easement over, under and across lot 004, block 003 of Northland Business Center, and the Eastern and Southern drainage and utility easement over, under, and across Lot 003, block 003 of Northland Business Center plat; ADOPTED by the City Council this 27th day of June, 2023. CITY OF ST. JOSEPH By Rick Schultz, Mayor ATTEST By David Murphy, City Administrator STAFF MEMO Prepared by: City Clerk Meeting Date: 6-27-23 ☐ Consent Agenda Item ☒ Regular Agenda Item Agenda Item # 5 Reviewed by: City Administrator Item: Public Hearing – 2023 Street Improvement Project Assessment Hearing ACTION/S REQUESTED • Conduct public hearing on proposed assessments. • Motion to approve Resolution 2023-031 Awarding Bid to Larson Excavating Contractors, Inc. for the 2023 Street Improvements. • Motion to approve Resolution 2023-032 Adopting Final Assessments. PREVIOUS COUNCIL ACTION Council requested a benefit analysis from Nagell Appraisals for the proposed assessments on the 2023 Street Improvements, called for the assessment hearing, and authorized advertising for bids on the project. REFERENCE AND BACKGROUND The benefit analysis came back with the improved market values for the proposed project. The attached revised assessment roll reflects the results of the report. The costs of the project will be received after the assessment hearing. The revised assessment rolls are lower than the preliminary roll that were don’t when the feasibility study was completed. Since the assessments are capped at the appraised market value, staff recommends adoption of the assessments following the public hearing. City Engineers Randy Sabart and Bryce Johnson will be present to provide an overview of the assessment costs and how they were calculated. Property owners who object to the assessment must do so in writing before the close of the assessment hearing on June 27th. If a written objection is submitted, it is up to the property owner to perfect the objection by filing an appeal with the district court within 30 days from the date of adoption of the assessment roll. The appeal process is described under MN Statute 429.081. All impacted property owners received notice of the proposed final assessment and terms of payment. The proposed term is 10 years at 5% interest rate. The council sets the final terms with the adoption of Resolution 2023-031. If the final assessment is adopted, staff will send notices out to property owners that will state the terms of the assessment and payment options. Bid opening for the project was held on June 8th and 6 bids were received. Larson Excavating Contractors, Inc. were the apparent lowest bidder at $892,290.56. Resolution 2023-032 awards the bid for the project. STAFF RECOMMENDED ACTION • Conduct public hearing on proposed assessments. • Motion to approve Resolution 2023-031 Awarding Bid to Larson Excavating Contractors, Inc. for the 2023 Street Improvements. • Motion to approve Resolution 2023-032 Adopting Final Assessments. SUPPORTING DATA/ATTACHMENTS • Resolution 2023-031 Awarding Bid • Bid Tabulation • Resolution 2023-032 Adopting Final Assessments • Final Assessment Roll Page 1 TABULATION OF BIDS PROJECT NO.: STJOE 170731 NAME: 2023 STREET IMPROVEMENTS OWNER: CITY OF ST. JOSEPH BID DATE: 11:00 A.M., THURSDAY, JUNE 8, 2023 123 ENGINEER'S ESTIMATE LARSON EXCAVATING C&L EXCAVATING MN PAVING & MATERIALS ITEM QUANTITY UNIT DESCRIPTION UNIT COST TOTAL UNIT COST TOTAL UNIT COST TOTAL UNIT COST TOTAL GENERAL 1 1.00 LUMP SUM MOBILIZATION $50,000.00 $50,000.00 $15,307.91 $15,307.91 $70,000.00 $70,000.00 $54,546.84 $54,546.84 2 1.00 LUMP SUM TRAFFIC CONTROL $30,000.00 $30,000.00 $4,896.00 $4,896.00 $7,000.00 $7,000.00 $5,479.36 $5,479.36 3 28.00 EACH REMOVE SIGN ASSEMBLY $50.00 $1,400.00 $22.00 $616.00 $30.00 $840.00 $25.37 $710.36 4 1,568.00 LIN FT REMOVE CONCRETE CURB & GUTTER $9.00 $14,112.00 $10.00 $15,680.00 $4.00 $6,272.00 $4.10 $6,428.80 5 51.00 SQ YD REMOVE CONCRETE WALK $13.00 $663.00 $25.00 $1,275.00 $10.00 $510.00 $10.25 $522.75 6 166.00 SQ YD REMOVE CONCRETE DRIVEWAY PAVEMENT $17.00 $2,822.00 $25.00 $4,150.00 $20.00 $3,320.00 $20.50 $3,403.00 7 1,089.00 LIN FT SAWING BITUMINOUS PAVEMENT (FULL DEPTH) $4.00 $4,356.00 $3.00 $3,267.00 $2.00 $2,178.00 $1.88 $2,047.32 8 11.00 EACH STABILIZED CONSTRUCTION EXIT $2,000.00 $22,000.00 $500.00 $5,500.00 $150.00 $1,650.00 $461.18 $5,072.98 STREETS 9 527.00 LIN FT REMOVE PIPE SEWER (STORM) $19.00 $10,013.00 $5.00 $2,635.00 $4.00 $2,108.00 $4.10 $2,160.70 10 8.00 EACH REMOVE DRAINAGE STRUCTURE $700.00 $5,600.00 $100.00 $800.00 $300.00 $2,400.00 $307.45 $2,459.60 11 850.00 CU YD COMMON EXCAVATION (P) $18.00 $15,300.00 $15.00 $12,750.00 $16.00 $13,600.00 $20.50 $17,425.00 12 3,726.00 SQ YD MILL BITUMINOUS SURFACE $4.20 $15,649.20 $2.14 $7,973.64 $2.25 $8,383.50 $2.12 $7,899.12 13 1,043.00 CU YD SELECT GRANULAR EMBANKMENT-SUPER SAND (CV) $20.00 $20,860.00 $25.00 $26,075.00 $16.00 $16,688.00 $16.40 $17,105.20 14 477.00 CU YD SELECT GRANULAR BORROW (CV) $20.00 $9,540.00 $15.00 $7,155.00 $21.00 $10,017.00 $21.52 $10,265.04 15 41.00 ROAD STA SUBGRADE PREPARATION $270.00 $11,070.00 $500.00 $20,500.00 $250.00 $10,250.00 $256.21 $10,504.61 16 1,202.00 MGAL WATER $10.00 $12,020.00 $2.00 $2,404.00 $5.00 $6,010.00 $40.99 $49,269.98 17 12,092.00 SQ YD REMOVE BITUMINOUS PAVEMENT $4.00 $48,368.00 $3.06 $37,001.52 $3.00 $36,276.00 $3.07 $37,122.44 18 122.00 SQ YD BITUMINOUS STREET PATCH $60.00 $7,320.00 $49.78 $6,073.16 $48.00 $5,856.00 $51.97 $6,340.34 19 488.00 TON TYPE SP 9.5 WEARING COURSE MIXTURE (SPWEA340C) $89.00 $43,432.00 $96.44 $47,062.72 $100.00 $48,800.00 $97.45 $47,555.60 20 588.00 TON TYPE SP 12.5 WEARING COURSE MIXTURE (SPWEB330C) $87.00 $51,156.00 $96.03 $56,465.64 $99.00 $58,212.00 $97.01 $57,041.88 21 1,457.00 TON TYPE SP 9.5 WEARING COURSE MIXTURE (SPWEA230C) $85.00 $123,845.00 $91.90 $133,898.30 $95.00 $138,415.00 $92.96 $135,442.72 22 823.00 TON TYPE SP 12.5 WEARING COURSE MIXTURE (SPWEB230C) $83.00 $68,309.00 $93.59 $77,024.57 $97.00 $79,831.00 $94.61 $77,864.03 23 1,384.00 GAL BITUMINOUS MATERIAL FOR TACK COAT $2.30 $3,183.20 $2.04 $2,823.36 $2.00 $2,768.00 $2.03 $2,809.52 24 480.00 CU YD AGGREGATE BASE CLASS 5 (CV) $33.00 $15,840.00 $35.00 $16,800.00 $36.50 $17,520.00 $37.41 $17,956.80 25 740.00 SQ YD GEOTEXTILE FABRIC TYPE V $3.00 $2,220.00 $2.57 $1,901.80 $1.75 $1,295.00 $1.79 $1,324.60 26 320.00 SQ YD GEOGRID $4.00 $1,280.00 $11.60 $3,712.00 $3.50 $1,120.00 $3.59 $1,148.80 27 1.00 EACH CONNECT TO EXISTING SANITARY SEWER $2,000.00 $2,000.00 $2,571.51 $2,571.51 $2,000.00 $2,000.00 $2,049.69 $2,049.69 28 4.00 EACH CONNECT TO EXISTING STORM SEWER $2,000.00 $8,000.00 $1,500.00 $6,000.00 $1,200.00 $4,800.00 $1,229.81 $4,919.24 29 378.00 LIN FT CLEAN AND VIDEO TAPE PIPE SEWER $2.00 $756.00 $3.30 $1,247.40 $3.00 $1,134.00 $3.07 $1,160.46 30 450.00 LIN FT CLEAN STORM SEWER PIPE $2.00 $900.00 $2.75 $1,237.50 $3.00 $1,350.00 $3.07 $1,381.50 31 27.00 LIN FT 2" COPPER WATER SERVICE PIPE $30.00 $810.00 $261.20 $7,052.40 $50.00 $1,350.00 $51.24 $1,383.48 32 1.00 EACH 2" CURB STOP AND BOX $700.00 $700.00 $1,786.68 $1,786.68 $4,000.00 $4,000.00 $4,099.38 $4,099.38 33 378.00 LIN FT 8" PVC PIPE SEWER $75.00 $28,350.00 $88.24 $33,354.72 $56.00 $21,168.00 $57.39 $21,693.42 34 1.00 EACH CONSTRUCT DRAINAGE STRUCTURE DES 4007 $8,000.00 $8,000.00 $5,672.79 $5,672.79 $5,500.00 $5,500.00 $5,636.64 $5,636.64 35 6.00 EACH 8X6 PVC WYE $800.00 $4,800.00 $809.74 $4,858.44 $650.00 $3,900.00 $666.15 $3,996.90 36 72.00 LIN FT 6" PVC PIPE SEWER $50.00 $3,600.00 $63.66 $4,583.52 $55.00 $3,960.00 $56.37 $4,058.64 37 196.00 LIN FT 12" RC PIPE SEWER $60.00 $11,760.00 $81.29 $15,932.84 $72.00 $14,112.00 $73.79 $14,462.84 38 238.00 LIN FT 15" RC PIPE SEWER $70.00 $16,660.00 $87.63 $20,855.94 $80.00 $19,040.00 $81.99 $19,513.62 39 75.00 LIN FT 27" RC PIPE SEWER $120.00 $9,000.00 $132.28 $9,921.00 $154.00 $11,550.00 $157.83 $11,837.25 40 41.00 LIN FT 30" RC PIPE SEWER $130.00 $5,330.00 $145.45 $5,963.45 $290.00 $11,890.00 $297.20 $12,185.20 41 4.00 EACH DRAINAGE STRUCTURE DES H $2,000.00 $8,000.00 $2,057.74 $8,230.96 $2,700.00 $10,800.00 $2,767.08 $11,068.32 42 6.00 EACH DRAINAGE STRUCTURE DES 48-4020 $3,500.00 $21,000.00 $4,649.72 $27,898.32 $4,200.00 $25,200.00 $4,304.34 $25,826.04 43 1.00 EACH DRAINAGE STRUCTURE DES 60-4020 $4,300.00 $4,300.00 $7,321.19 $7,321.19 $7,400.00 $7,400.00 $7,583.84 $7,583.84 44 12.00 EACH CASTING ASSEMBLY $900.00 $10,800.00 $1,380.16 $16,561.92 $1,150.00 $13,800.00 $1,178.57 $14,142.84 45 486.00 LIN FT 4" PERF PIPE DRAIN $10.00 $4,860.00 $8.61 $4,184.46 $12.00 $5,832.00 $12.30 $5,977.80 46 736.00 LIN FT 6" PERF PVC PIPE DRAIN $18.00 $13,248.00 $20.58 $15,146.88 $14.00 $10,304.00 $14.35 $10,561.60 47 7.00 EACH 6" PVC CLEANOUT $300.00 $2,100.00 $543.56 $3,804.92 $500.00 $3,500.00 $512.42 $3,586.94 Short Elliott Hendrickson Inc., 2351 Connecticut Avenue, Suite 300, Sartell, MN 56377 SEH is 100% employee-owned | www.sehinc.com | 320.229.4300 | 800.572.0617 | 888.908.8166 fax 6/15/2023 Page 2 TABULATION OF BIDS PROJECT NO.: STJOE 170731 NAME: 2023 STREET IMPROVEMENTS OWNER: CITY OF ST. JOSEPH BID DATE: 11:00 A.M., THURSDAY, JUNE 8, 2023 123 ENGINEER'S ESTIMATE LARSON EXCAVATING C&L EXCAVATING MN PAVING & MATERIALS ITEM QUANTITY UNIT DESCRIPTION UNIT COST TOTAL UNIT COST TOTAL UNIT COST TOTAL UNIT COST TOTAL 48 40.00 SQ YD 4" THICK INSULATION $60.00 $2,400.00 $61.02 $2,440.80 $80.00 $3,200.00 $81.99 $3,279.60 49 153.00 SQ FT 4" CONCRETE WALK W/ SAND BEDDING $9.00 $1,377.00 $26.50 $4,054.50 $27.00 $4,131.00 $27.42 $4,195.26 50 306.00 SQ FT 6" CONCRETE WALK $12.00 $3,672.00 $26.50 $8,109.00 $27.00 $8,262.00 $27.42 $8,390.52 51 166.00 SQ YD CONCRETE DRIVEWAY PAVEMENT $95.00 $15,770.00 $97.90 $16,251.40 $105.00 $17,430.00 $106.64 $17,702.24 52 42.00 SQ FT TRUNCATED DOMES $70.00 $2,940.00 $78.52 $3,297.84 $80.00 $3,360.00 $77.12 $3,239.04 53 1,568.00 LIN FT CONCRETE CURB & GUTTER, DESIGN B618 $35.00 $54,880.00 $42.84 $67,173.12 $44.00 $68,992.00 $42.62 $66,828.16 54 69.00 EACH SAW AND SEAL CONCRETE CURB AND GUTTER CRACK $40.00 $2,760.00 $48.96 $3,378.24 $50.00 $3,450.00 $48.71 $3,360.99 55 23.00 EACH CHIMNEY SEAL $250.00 $5,750.00 $320.04 $7,360.92 $300.00 $6,900.00 $307.45 $7,071.35 56 15.00 EACH F&I PAVING RING (MANHOLE) $400.00 $6,000.00 $375.05 $5,625.75 $300.00 $4,500.00 $307.45 $4,611.75 57 24.00 EACH ADJUST FRAME & RING CASTING $1,100.00 $26,400.00 $432.52 $10,380.48 $600.00 $14,400.00 $830.30 $19,927.20 58 13.00 EACH ADJUST GATE VALVE BOX $480.00 $6,240.00 $232.52 $3,022.76 $300.00 $3,900.00 $440.00 $5,720.00 59 9.00 EACH F&I PAVING RING (GATE VALVE)$150.00 $1,350.00 $155.01 $1,395.09 $100.00 $900.00 $102.48 $922.32 60 5.00 EACH PAVEMENT MESSAGE-'STOP' $150.00 $750.00 $357.57 $1,787.85 $350.00 $1,750.00 $329.78 $1,648.90 61 104.00 LIN FT 24" SOLID LINE MULTI COMP GR IN $11.00 $1,144.00 $20.24 $2,104.96 $19.00 $1,976.00 $18.67 $1,941.68 62 44.00 SQ YD PAVT MSSG-CROSSWALK MULTI COMP GR IN $60.00 $2,640.00 $99.02 $4,356.88 $95.00 $4,180.00 $91.32 $4,018.08 63 100.90 SQ FT F&I SIGN PANELS TYPE C $95.00 $9,585.50 $71.51 $7,215.36 $73.00 $7,365.70 $71.03 $7,166.93 64 11.00 EACH F&I STREET NAME SIGN ASSEMBLY $280.00 $3,080.00 $440.08 $4,840.88 $315.00 $3,465.00 $304.41 $3,348.51 65 23.00 HOUR STREET SWEEPING TYPE WET PICKUP $180.00 $4,140.00 $100.00 $2,300.00 $150.00 $3,450.00 $162.35 $3,734.05 TURF RESTORATION 66 36.00 EACH STORM DRAIN INLET PROTECTION $200.00 $7,200.00 $100.00 $3,600.00 $125.00 $4,500.00 $141.04 $5,077.44 67 690.00 CU YD COMMON TOPSOIL BORROW (LV) $23.00 $15,870.00 $10.00 $6,900.00 $34.00 $23,460.00 $34.84 $24,039.60 68 0.51 ACRE SEEDING $1,700.00 $867.00 $5,100.00 $2,601.00 $5,000.00 $2,550.00 $6,088.18 $3,104.97 69 191.00 POUND SEED MIXTURE 25-151 $7.00 $1,337.00 $3.57 $681.87 $8.50 $1,623.50 $8.22 $1,570.02 70 1,623.00 POUND HYDRAULIC MATRIX TYPE BFM $2.50 $4,057.50 $3.06 $4,966.38 $3.15 $5,112.45 $2.43 $3,943.89 71 167.00 POUND FERTILIZER TYPE 22-5-10 $1.50 $250.50 $3.06 $511.02 $2.00 $334.00 $2.03 $339.01 GRAND TOTAL BID $935,792.90 $892,290.56 $933,101.15 $972,214.54 X:\PT\S\STJOE\170731\6-bid-const\Bidding\[Bid Tabulation.xlsx]BIDTAB Short Elliott Hendrickson Inc., 2351 Connecticut Avenue, Suite 300, Sartell, MN 56377 SEH is 100% employee-owned | www.sehinc.com | 320.229.4300 | 800.572.0617 | 888.908.8166 fax 6/15/2023 Page 3 TABULATION OF BIDS PROJECT NO.: STJOE 170731 NAME: 2023 STREET IMPROVEMENTS OWNER: CITY OF ST. JOSEPH BID DATE: 11:00 A.M., THURSDAY, JUNE 8, 2023 ITEM QUANTITY UNIT DESCRIPTION GENERAL 1 1.00 LUMP SUM MOBILIZATION 2 1.00 LUMP SUM TRAFFIC CONTROL 3 28.00 EACH REMOVE SIGN ASSEMBLY 4 1,568.00 LIN FT REMOVE CONCRETE CURB & GUTTER 5 51.00 SQ YD REMOVE CONCRETE WALK 6 166.00 SQ YD REMOVE CONCRETE DRIVEWAY PAVEMENT 7 1,089.00 LIN FT SAWING BITUMINOUS PAVEMENT (FULL DEPTH)8 11.00 EACH STABILIZED CONSTRUCTION EXIT STREETS 9 527.00 LIN FT REMOVE PIPE SEWER (STORM) 10 8.00 EACH REMOVE DRAINAGE STRUCTURE 11 850.00 CU YD COMMON EXCAVATION (P) 12 3,726.00 SQ YD MILL BITUMINOUS SURFACE 13 1,043.00 CU YD SELECT GRANULAR EMBANKMENT-SUPER SAND (CV) 14 477.00 CU YD SELECT GRANULAR BORROW (CV) 15 41.00 ROAD STA SUBGRADE PREPARATION 16 1,202.00 MGAL WATER 17 12,092.00 SQ YD REMOVE BITUMINOUS PAVEMENT 18 122.00 SQ YD BITUMINOUS STREET PATCH 19 488.00 TON TYPE SP 9.5 WEARING COURSE MIXTURE (SPWEA340C) 20 588.00 TON TYPE SP 12.5 WEARING COURSE MIXTURE (SPWEB330C)21 1,457.00 TON TYPE SP 9.5 WEARING COURSE MIXTURE (SPWEA230C) 22 823.00 TON TYPE SP 12.5 WEARING COURSE MIXTURE (SPWEB230C)23 1,384.00 GAL BITUMINOUS MATERIAL FOR TACK COAT 24 480.00 CU YD AGGREGATE BASE CLASS 5 (CV) 25 740.00 SQ YD GEOTEXTILE FABRIC TYPE V 26 320.00 SQ YD GEOGRID 27 1.00 EACH CONNECT TO EXISTING SANITARY SEWER 28 4.00 EACH CONNECT TO EXISTING STORM SEWER 29 378.00 LIN FT CLEAN AND VIDEO TAPE PIPE SEWER 30 450.00 LIN FT CLEAN STORM SEWER PIPE 31 27.00 LIN FT 2" COPPER WATER SERVICE PIPE 32 1.00 EACH 2" CURB STOP AND BOX 33 378.00 LIN FT 8" PVC PIPE SEWER 34 1.00 EACH CONSTRUCT DRAINAGE STRUCTURE DES 400735 6.00 EACH 8X6 PVC WYE 36 72.00 LIN FT 6" PVC PIPE SEWER 37 196.00 LIN FT 12" RC PIPE SEWER 38 238.00 LIN FT 15" RC PIPE SEWER 39 75.00 LIN FT 27" RC PIPE SEWER 40 41.00 LIN FT 30" RC PIPE SEWER 41 4.00 EACH DRAINAGE STRUCTURE DES H 42 6.00 EACH DRAINAGE STRUCTURE DES 48-4020 43 1.00 EACH DRAINAGE STRUCTURE DES 60-4020 44 12.00 EACH CASTING ASSEMBLY 45 486.00 LIN FT 4" PERF PIPE DRAIN 46 736.00 LIN FT 6" PERF PVC PIPE DRAIN 47 7.00 EACH 6" PVC CLEANOUT 456 ASPHALT SURFACE TECH KNIFE RIVER J.R. FERCHE UNIT COST TOTAL UNIT COST TOTAL UNIT COST TOTAL $58,000.00 $58,000.00 $95,000.00 $95,000.00 $90,935.00 $90,935.00 $6,050.00 $6,050.00 $15,000.00 $15,000.00 $10,000.00 $10,000.00 $27.50 $770.00 $20.00 $560.00 $30.00 $840.00 $7.37 $11,556.16 $11.00 $17,248.00 $15.00 $23,520.00 $24.97 $1,273.47 $20.00 $1,020.00 $20.00 $1,020.00 $22.50 $3,735.00 $20.00 $3,320.00 $20.00 $3,320.00 $3.00 $3,267.00 $2.00 $2,178.00 $2.75 $2,994.75 $330.00 $3,630.00 $250.00 $2,750.00 $1,000.00 $11,000.00 $16.50 $8,695.50 $4.00 $2,108.00 $15.00 $7,905.00 $825.00 $6,600.00 $300.00 $2,400.00 $450.00 $3,600.00 $26.40 $22,440.00 $20.00 $17,000.00 $65.00 $55,250.00 $1.32 $4,918.32 $5.50 $20,493.00 $2.82 $10,507.32 $27.50 $28,682.50 $60.00 $62,580.00 $45.00 $46,935.00 $24.20 $11,543.40 $22.00 $10,494.00 $30.00 $14,310.00 $374.00 $15,334.00 $365.00 $14,965.00 $765.00 $31,365.00 $45.00 $54,090.00 $8.00 $9,616.00 $2.00 $2,404.00 $2.31 $27,932.52 $5.00 $60,460.00 $3.65 $44,135.80 $59.40 $7,246.80 $85.00 $10,370.00 $70.00 $8,540.00 $103.51 $50,512.88 $115.00 $56,120.00 $106.00 $51,728.00 $98.45 $57,888.60 $115.00 $67,620.00 $105.00 $61,740.00 $107.14 $156,102.98 $100.00 $145,700.00 $101.00 $147,157.00 $123.20 $101,393.60 $100.00 $82,300.00 $103.00 $84,769.00 $3.00 $4,152.00 $0.01 $13.84 $3.00 $4,152.00 $50.38 $24,182.40 $40.00 $19,200.00 $47.00 $22,560.00 $1.98 $1,465.20 $3.50 $2,590.00 $5.00 $3,700.00 $4.62 $1,478.40 $15.00 $4,800.00 $15.00 $4,800.00 $7,700.00 $7,700.00 $3,000.00 $3,000.00 $5,000.00 $5,000.00 $2,750.00 $11,000.00 $1,500.00 $6,000.00 $2,500.00 $10,000.00 $3.30 $1,247.40 $3.00 $1,134.00 $4.00 $1,512.00 $4.40 $1,980.00 $3.00 $1,350.00 $5.00 $2,250.00 $88.00 $2,376.00 $50.00 $1,350.00 $100.00 $2,700.00 $1,650.00 $1,650.00 $4,000.00 $4,000.00 $2,000.00 $2,000.00 $77.00 $29,106.00 $56.00 $21,168.00 $92.00 $34,776.00 $7,150.00 $7,150.00 $5,500.00 $5,500.00 $5,500.00 $5,500.00 $687.50 $4,125.00 $650.00 $3,900.00 $1,000.00 $6,000.00 $66.00 $4,752.00 $55.00 $3,960.00 $105.00 $7,560.00 $71.50 $14,014.00 $72.00 $14,112.00 $85.00 $16,660.00 $80.30 $19,111.40 $80.00 $19,040.00 $95.00 $22,610.00 $132.00 $9,900.00 $154.00 $11,550.00 $156.00 $11,700.00 $154.00 $6,314.00 $290.00 $11,890.00 $185.00 $7,585.00 $2,640.00 $10,560.00 $2,700.00 $10,800.00 $2,800.00 $11,200.00 $4,400.00 $26,400.00 $4,200.00 $25,200.00 $3,800.00 $22,800.00 $7,150.00 $7,150.00 $7,400.00 $7,400.00 $6,750.00 $6,750.00 $1,540.00 $18,480.00 $1,150.00 $13,800.00 $1,200.00 $14,400.00 $27.50 $13,365.00 $12.00 $5,832.00 $20.00 $9,720.00 $29.70 $21,859.20 $14.00 $10,304.00 $40.00 $29,440.00 $500.00 $3,500.00 $500.00 $3,500.00 $850.00 $5,950.00 Short Elliott Hendrickson Inc., 2351 Connecticut Avenue, Suite 300, Sartell, MN 56377 SEH is 100% employee-owned | www.sehinc.com | 320.229.4300 | 800.572.0617 | 888.908.8166 fax 6/15/2023 Page 4 TABULATION OF BIDS PROJECT NO.: STJOE 170731 NAME: 2023 STREET IMPROVEMENTS OWNER: CITY OF ST. JOSEPH BID DATE: 11:00 A.M., THURSDAY, JUNE 8, 2023 ITEM QUANTITY UNIT DESCRIPTION 48 40.00 SQ YD 4" THICK INSULATION 49 153.00 SQ FT 4" CONCRETE WALK W/ SAND BEDDING 50 306.00 SQ FT 6" CONCRETE WALK 51 166.00 SQ YD CONCRETE DRIVEWAY PAVEMENT 52 42.00 SQ FT TRUNCATED DOMES 53 1,568.00 LIN FT CONCRETE CURB & GUTTER, DESIGN B618 54 69.00 EACH SAW AND SEAL CONCRETE CURB AND GUTTER CRACK55 23.00 EACH CHIMNEY SEAL 56 15.00 EACH F&I PAVING RING (MANHOLE) 57 24.00 EACH ADJUST FRAME & RING CASTING 58 13.00 EACH ADJUST GATE VALVE BOX 59 9.00 EACH F&I PAVING RING (GATE VALVE) 60 5.00 EACH PAVEMENT MESSAGE-'STOP' 61 104.00 LIN FT 24" SOLID LINE MULTI COMP GR IN 62 44.00 SQ YD PAVT MSSG-CROSSWALK MULTI COMP GR IN 63 100.90 SQ FT F&I SIGN PANELS TYPE C 64 11.00 EACH F&I STREET NAME SIGN ASSEMBLY 65 23.00 HOUR STREET SWEEPING TYPE WET PICKUP TURF RESTORATION 66 36.00 EACH STORM DRAIN INLET PROTECTION 67 690.00 CU YD COMMON TOPSOIL BORROW (LV) 68 0.51 ACRE SEEDING 69 191.00 POUND SEED MIXTURE 25-151 70 1,623.00 POUND HYDRAULIC MATRIX TYPE BFM 71 167.00 POUND FERTILIZER TYPE 22-5-10 GRAND TOTAL BID X:\PT\S\STJOE\170731\6-bid-const\Bidding\[Bid Tabulation.xlsx]BIDTAB 456 ASPHALT SURFACE TECH KNIFE RIVER J.R. FERCHE UNIT COST TOTAL UNIT COST TOTAL UNIT COST TOTAL $99.00 $3,960.00 $80.00 $3,200.00 $85.00 $3,400.00 $28.60 $4,375.80 $29.00 $4,437.00 $30.00 $4,590.00 $28.60 $8,751.60 $25.00 $7,650.00 $30.00 $9,180.00 $104.50 $17,347.00 $95.00 $15,770.00 $115.00 $19,090.00 $83.60 $3,511.20 $76.00 $3,192.00 $88.00 $3,696.00 $46.20 $72,441.60 $45.00 $70,560.00 $50.00 $78,400.00 $52.80 $3,643.20 $50.00 $3,450.00 $58.00 $4,002.00 $220.00 $5,060.00 $300.00 $6,900.00 $385.00 $8,855.00 $300.00 $4,500.00 $300.00 $4,500.00 $300.00 $4,500.00 $979.00 $23,496.00 $600.00 $14,400.00 $675.00 $16,200.00 $473.00 $6,149.00 $300.00 $3,900.00 $500.00 $6,500.00 $88.00 $792.00 $100.00 $900.00 $250.00 $2,250.00 $357.50 $1,787.50 $325.00 $1,625.00 $360.00 $1,800.00 $18.50 $1,924.00 $18.40 $1,913.60 $21.00 $2,184.00 $90.00 $3,960.00 $90.00 $3,960.00 $100.00 $4,400.00 $77.00 $7,769.30 $65.00 $6,558.50 $75.00 $7,567.50 $330.00 $3,630.00 $400.00 $4,400.00 $500.00 $5,500.00 $176.00 $4,048.00 $85.00 $1,955.00 $165.00 $3,795.00 $150.00 $5,400.00 $170.00 $6,120.00 $250.00 $9,000.00 $23.10 $15,939.00 $50.00 $34,500.00 $30.00 $20,700.00 $275.00 $140.25 $4,500.00 $2,295.00 $5,000.00 $2,550.00 $3.85 $735.35 $8.00 $1,528.00 $5.00 $955.00 $2.00 $3,246.00 $3.00 $4,869.00 $4.00 $6,492.00 $1.10 $183.70 $2.00 $334.00 $3.00 $501.00 $1,097,471.23 $1,119,612.94 $1,211,408.37 Short Elliott Hendrickson Inc., 2351 Connecticut Avenue, Suite 300, Sartell, MN 56377 SEH is 100% employee-owned | www.sehinc.com | 320.229.4300 | 800.572.0617 | 888.908.8166 fax 6/15/2023 RESOLUTION 2023-031 Awarding Bid 2023 Street Improvements WHEREAS, pursuant to an advertisement for bids for the 2023 Street Improvement Project affecting the following areas: street resurfacing and sidewalk improvements in the Northland Plat 4 and Plat 5 neighborhood (7th Avenue Northeast, Gumtree Street East, Gumtree Court, Fir Street E, and parts of Northland Drive and 5th Avenue Northeast); resurfacing improvements in parts of the Loso’s 2nd, 4th, and 5th Additions, Peter Loso’s Addition and St. Joseph Subdivisions (Ash Street East between College Ave and 3rd Ave NE), part of 2nd Avenue Northeast north of Ash St); street construction in the Northland Business Center 2nd Addition (Fir Street East extension to 24th Avenue Northeast); alley resurfacing and sanitary sewer reconstruction at Block 11 in the St. Joseph subdivision; and storm sewer and pavement reconstruction in Northland Heights (parts of 13th Avenue Northeast, between Iris Lane and Jasmine Lane, and on Iris Lane East approximately 200 feet on each side of the 13th Ave intersection); and Bidder Base Bid Larson Excavating Contractors, Inc $892,290.56 C&L Excavating, Inc. $933,101.15 OMG Midwest Inc. dba MN Paving & Materials $972,214.54 ASTECH $1,097,471.23 Knife River $1,119,612.94 J.R. Ferche $1,211,408.37 WHEREAS, the City Council adopted Resolution 2023-027; and WHEREAS, it appears that Larson Excavating Contractors, Inc. is the lowest responsible bidder. NOW THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF ST. JOSEPH, MINNESOTA: 1. The Mayor and Administrator are hereby authorized and directed to enter into a contract with Larson Excavating Contractors, Inc. in the name of the City of St. Joseph for the 2023 Street Improvement Project as described above according to the plans and specifications therefore approved by the City Council and on file in the office of the Administrator 2. The Administrator is hereby authorized and directed to return forthwith to all bidders the deposits made with their bids, except that the deposits of the successful bidder and the next lowest bidder shall be retained until a contract has been signed. Adopted by the Council this 27th day of June, 2023. ________________ _______ Rick Schultz, Mayor ATTEST David Murphy, City Administrator RESOLUTION 2023-032 ADOPTING FINAL ASSESSMENT 2023 Street Improvements WHEREAS, pursuant to proper notice duly given as required by law, the council has met and heard and passed upon all objections to the proposed assessment for the 2023 Street Improvements which affect the following areas: street resurfacing and sidewalk improvements in the Northland Plat 4 and Plat 5 neighborhood (7th Avenue Northeast, Gumtree Street East, Gumtree Court, Fir Street E, and parts of Northland Drive and 5th Avenue Northeast); resurfacing improvements in parts of the Loso’s 2nd, 4th, and 5th Additions, Peter Loso’s Addition and St. Joseph Subdivisions (Ash Street East between College Ave and 3rd Ave NE), part of 2nd Avenue Northeast north of Ash St); street construction in the Northland Business Center 2nd Addition (Fir Street East extension to 24th Avenue Northeast); alley resurfacing and sanitary sewer reconstruction at Block 11 in the St. Joseph subdivision; and storm sewer and pavement reconstruction in Northland Heights (parts of 13th Avenue Northeast, between Iris Lane and Jasmine Lane, and on Iris Lane East approximately 200 feet on each side of the 13th Ave intersection). NOW THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF ST. JOSEPH, MINNESOTA: 1. Such proposed assessment, a copy of which is attached hereto and made a part hereof, is hereby accepted and shall constitute the special assessment against the lands named therein, and each tract of land therein included is hereby found to be benefited by the proposed improvement in the amount of the assessment levied against it. 2. Such assessment shall be payable in equal annual installments extending over a period of 10 years, the first of the installments to be payable on or before the first Monday in January 2024, and shall bear an interest rate of 5.0 percent per annum from the date of the adoption of this assessment resolution. To the first installment shall be added interest on the entire assessment amount from the date of this resolution until December 31, 2023. To each subsequent installment when due shall be added interest for one year on all unpaid installments. 3. The owner of any property so assessed may, at any time prior to certification of the assessment to the county auditor, pay the whole of the assessment on such property, with interest accrued to the date of payment, to the city treasurer, except that no interest shall be charged if the entire assessment is paid within 30 days from the adoption of this resolution; and the property owner may at any time thereafter, pay to the city treasurer the entire amount of the assessment remaining unpaid, with interest accrued to December 31 of the year in which such payment is made. Such payment must be made before November 15 or interest will be charged through December 31 of the succeeding year. 4. The clerk shall forthwith transmit a certified duplicate of this assessment to the county auditor to be extended on the property tax lists of the county. Such assessments shall be collected and paid over in the same manner as other municipal taxes. Adopted by the council this 27th day of June, 2023. Rick Schultz, Mayor David Murphy, City Administrator FINAL SPECIAL ASSESSMENT ROLL 6/12/2023 2023 STREET IMPROVEMENTS 36'-38' WIDE OVERLAY (60%)$38.40 /LF AUDITORS #04, LOSO'S ADD, LOSO'S ADD 4, LOSO'S ADD 5, TOWNSITE OF ST JOSEPH SPECIAL ASSESSMENTS PARCEL ID NO.PROPERTY DESCRIPTION PROPERTY ADDRESS MAILING ADDRESS OWNER OF RECORD LONG SIDE SHORT SIDE LONG SIDE SHORT SIDE ASSESSED FOOTAGE 36'-38' MILL & OVERLAY 1 84.53915.0000 Lot 006 Block 013 of TOWNSITE OF ST JOSEPH S2 OF LOT 6 BLK 13 13 ASH ST E 9249 CRESTVIEW DR SAINT JOSEPH MN 56374 NOVAK RENTALS LLC 66.00 66.00 66.00 $2,534.40 $2,534.40 $2,534.40 2 84.53918.0000 Lot 007 Block 013 of TOWNSITE OF ST JOSEPH S150' OF LOT 7 BLK 13 17 ASH ST E PO BOX 363 SAINT JOSEPH MN 56374 THELEN OSWALD L 66.00 66.00 66.00 $2,534.40 $2,534.40 $2,534.40 3 84.53919.0000 Lot 008 Block 013 of TOWNSITE OF ST JOSEPH 21 ASH ST E PO BOX 36 SAINT JOSEPH MN 56374 JEAN A LOSO REV TRUST 66.00 66.00 66.00 $2,534.40 $2,534.40 $2,534.40 4 84.53920.0000 Lot 009 Block 013 of TOWNSITE OF ST JOSEPH LOTS 9 BLK 13 LOSO'S ADD & LOT 9 BLK 13 25 ASH ST E PO BOX 36 SAINT JOSEPH MN 56374 JEAN A LOSO REV TRUST 66.00 66.00 66.00 $2,534.40 $2,534.40 $2,534.40 5 84.53567.0000 Lot 010 Block 013 of LOSO'S ADD LOT 10 BLK 13 TOWNSITE OF ST. JOSEPH LOT 29 ASH ST E PO BOX 885 SAINT JOSEPH MN 56374 ANDREAS DELYTE M 66.00 66.00 66.00 $2,534.40 $2,534.40 $2,534.40 6 84.53568.0000 Lot 011 Block 013 of LOSO'S ADD 33 ASH ST E PO BOX 352 SAINT JOSEPH MN 56374 LEMKE KAY F 66.00 66.00 66.00 $2,534.40 $2,534.40 $2,534.40 7 84.53451.0005 Lot 020 of AUD SUBD #04 W 37' OF S 180' OF LOT 20 N/A 75 CALLAWAY ST E SAINT JOSEPH MN 56374 CITY OF ST JOSEPH 37.00 37.00 37.00 $1,420.80 $1,420.80 $1,420.80 8 84.53693.0000 Lot 005 Block 001 of LOSO'S 5TH ADD FR. .20 A. OF LOT 20 AUD SUBD #4 & LOTS 5 & 6 41 ASH ST E 41 ASH ST NW SAINT JOSEPH MN 56374 KUNKEL BRENDA 71.00 71.00 71.00 $2,726.40 $2,726.40 $2,726.40 9 84.53699.0000 Lot 007 Block 002 of LOSO'S 5TH ADD W 35' OF LOT 7 & ALL OF LOT 8 BLK 2 103 ASH ST E 103 E ASH ST SAINT JOSEPH MN 56374 KLAPHAKE BARBARA 92.50 92.50 92.50 $3,552.00 $3,552.00 $3,552.00 10 84.53698.0000 Lot 006 Block 002 of LOSO'S 5TH ADD LOT 6 & E'LY 20' OF LOT 7 BLK 2 107 ASH ST E 107 E ASH ST SAINT JOSEPH MN 56374 HUFFMAN STEPHANO K HUFFMAN-WERTISH ANNA-75.00 75.00 75.00 $2,880.00 $2,880.00 $2,880.00 11 84.53697.0000 Lot 005 Block 002 of LOSO'S 5TH ADD 111 ASH ST E PO BOX 591 SAINT JOSEPH MN 56374 KOSEL KARL L 55.00 55.00 55.00 $2,112.00 $2,112.00 $2,112.00 12 84.53696.0000 Lot 004 Block 002 of LOSO'S 5TH ADD 117 ASH ST E 31197 115TH AVE SAINT JOSEPH MN 56374 KMKM LLC 50.00 50.00 50.00 $1,920.00 $1,920.00 $1,920.00 13 84.53695.0000 Lot 003 Block 002 of LOSO'S 5TH ADD 121 ASH ST E PO BOX 274 SAINT JOSEPH MN 56374 BORRESCH TIMOTHY A & SUSAN M 50.00 50.00 50.00 $1,920.00 $1,920.00 $1,920.00 14 84.53694.0000 Lot 001 Block 002 of LOSO'S 5TH ADD LOTS 1 & 2 BLK 2 105 2ND AVE NE PO BOX 582 SAINT JOSEPH MN 56374 TOLLEFSRUD DAVID A SCHUTZ PATRICIA A 191.00 99.00 95.50 99.00 194.50 $7,468.80 $7,468.80 $2,968.80 $4,500.00 15 84.53702.0000 Lot 017 Block 002 of LOSO'S 5TH ADD LOTS 17 & 18 BLK 2 115 2ND AVE NE 115 2ND AVE NE SAINT JOSEPH MN 56374 ARNDT HANNA G 90.80 90.80 90.80 $3,486.72 $3,486.72 $3,486.72 16 84.53708.0004 Lot 009 Block 003 of LOSO'S 5TH ADD W95.5' OF LOTS 9 & 10 BLK 3 114 2ND AVE NE 114 2ND AVE NE SAINT JOSEPH MN 56374 LINDBOE JORDAN K 90.80 90.80 90.80 $3,486.72 $3,486.72 $3,486.72 17 84.53707.0000 Lot 008 Block 003 of LOSO'S 5TH ADD 203 ASH ST E PO BOX 654 SAINT JOSEPH MN 56374 SIMON WILLIAM V & MARY E 184.50 51.00 92.25 51.00 143.25 $5,500.80 $5,500.80 $1,000.80 $4,500.00 18 84.53706.0000 Lot 007 Block 003 of LOSO'S 5TH ADD 205 ASH ST E PO BOX 315 SAINT JOSEPH MN 56374 LUELLA M GALAMA TRUST 50.00 50.00 50.00 $1,920.00 $1,920.00 $1,920.00 19 84.53705.0000 Lot 005 Block 003 of LOSO'S 5TH ADD LOTS 5 & 6 BLK 3 209 ASH ST E 209 E ASH ST SAINT JOSEPH MN 56374 HULSTRAND NATHAN E 100.00 100.00 100.00 $3,840.00 $3,840.00 $3,840.00 20 84.53704.0000 Lot 003 Block 003 of LOSO'S 5TH ADD LOTS 3 & 4 BLK 3 215 ASH ST E PO BOX 572 SAINT JOSEPH MN 56374 MALESKA ALOYS L MALESKA MARLENE M 100.00 100.00 100.00 $3,840.00 $3,840.00 $3,840.00 21 84.53703.0000 Lot 001 Block 003 of LOSO'S 5TH ADD LOTS 1 & 2 BLK 3 221 ASH ST E 221 E ASH ST SAINT JOSEPH MN 56374 WENDT CONNOR J 100.00 100.00 100.00 $3,840.00 $3,840.00 $3,840.00 22 84.53654.0000 Lot 001 Block 001 of LOSO'S 4TH ADD N2 OF LOTS 1 & 2 BLK 1 220 ASH ST E 220 E ASH ST SAINT JOSEPH MN 56374 LEE CAROL J 100.00 100.00 100.00 $3,840.00 $3,840.00 $3,840.00 23 84.53655.0000 Lot 003 Block 001 of LOSO'S 4TH ADD 216 ASH ST E PO BOX 152 SAINT JOSEPH MN 56374 LOSO TIMOTHY D & PAMELA J 50.00 50.00 50.00 $1,920.00 $1,920.00 $1,920.00 24 84.53656.0000 Lot 004 Block 001 of LOSO'S 4TH ADD LOT 4 & E15' BLK 1 OF 5 212 ASH ST E 212 E ASH ST SAINT JOSEPH MN 56374 BOLEYN SARA E 65.00 65.00 65.00 $2,496.00 $2,496.00 $2,496.00 25 84.53657.0000 Lot 005 Block 001 of LOSO'S 4TH ADD LOTS 5 & 6 LESS E15' OF 5 BLK 1 208 ASH ST E 208 E ASH ST SAINT JOSEPH MN 56374 HELM JONATHAN G HELM KAYLA R 85.00 85.00 85.00 $3,264.00 $3,264.00 $3,264.00 26 84.53658.0000 Lot 007 Block 001 of LOSO'S 4TH ADD N114' OF LOTS 7 & 8 BLK 1 30 2ND AVE NE PO BOX 635 SAINT JOSEPH MN 56374 THEISEN GERALD M & LEROY S 100.00 100.00 100.00 $3,840.00 $3,840.00 $3,840.00 27 84.53599.0000 Lot 001 Block 001 of LOSO'S 2ND ADD 31 2ND AVE NE 31 2ND AVE NE SAINT JOSEPH MN 56374 WALLING AARON WALLING AMBER 50.00 50.00 50.00 $1,920.00 $1,920.00 $1,920.00 28 84.53600.0000 Lot 002 Block 001 of LOSO'S 2ND ADD 120 ASH ST E 120 E ASH ST SAINT JOSEPH MN 56374 THOMPSON KEZIAH R FUCHS JEREMY M 50.00 50.00 50.00 $1,920.00 $1,920.00 $1,920.00 29 84.53601.0000 Lot 003 Block 001 of LOSO'S 2ND ADD 118 ASH ST E 118 E ASH ST SAINT JOSEPH MN 56374 SCHMITZ ROBERT D SCHMITZ KRISTINA L 50.00 50.00 50.00 $1,920.00 $1,920.00 $1,920.00 30 84.53601.0002 Lot 004 Block 001 of LOSO'S 2ND ADD 116 ASH ST E PO BOX 505 SAINT JOSEPH MN 56374 ANDERSON JOHN M & CAROL A 50.00 50.00 50.00 $1,920.00 $1,920.00 $1,920.00 31 84.53604.0000 Lot 005 Block 001 of LOSO'S 2ND ADD E60' OF LOT 5 110 ASH ST E 205 PONDVIEW LN SAINT JOSEPH MN 56374 WALZ ROY A 60.00 60.00 60.00 $2,304.00 $2,304.00 $2,304.00 32 84.53604.0006 Lot 005 Block 001 of LOSO'S 2ND ADD W60' OF E120' OF LOT 5 108 ASH ST E PO BOX 5131 SAINT CLOUD MN 56302 WALZ JOY A 60.00 60.00 60.00 $2,304.00 $2,304.00 $2,304.00 33 84.53603.0000 Lot 005 Block 001 of LOSO'S 2ND ADD N55' OF W100' OF LOT 5 BLK 1 34 1ST AVE NE 34 1ST AVE NE SAINT JOSEPH MN 56374 GLATZEL MARK J 100.00 50.00 50.00 $1,920.00 $1,920.00 $1,920.00 34 84.53878.0000 Lot 009 Block 010 of TOWNSITE OF ST JOSEPH N62' OF LOTS 9 & 10 BLK 10 35 1ST AVE NE 35 1ST AVE NE SAINT JOSEPH MN 56374 HAAKONSON KURT E 132.00 66.00 66.00 $2,534.40 $2,534.40 $2,534.40 35 84.53875.0000 Lot 008 Block 010 of TOWNSITE OF ST JOSEPH N102' OF LOT 8 BLK 10 34 ASH ST E PO BOX 46 SAINT JOSEPH MN 56374 LARSON NATALIE A 66.00 66.00 66.00 $2,534.40 $2,534.40 $2,534.40 36 84.53874.0000 Lot 007 Block 010 of TOWNSITE OF ST JOSEPH N 125' OF LOT 7 28 ASH ST E PO BOX 820 SAINT JOSEPH MN 56374 LUNA PROPERTIES LLC 66.00 66.00 66.00 $2,534.40 $2,534.40 $2,534.40 37 84.53873.0005 Lot 003 Block 010 of TOWNSITE OF ST JOSEPH Lot 006 Block 010 of TOWNSITE OF ST JOSEPH 22 ASH ST E PO BOX 836 SAINT JOSEPH MN 56374 BLACK KEITH R BLACK SANDRA A 72.00 72.00 72.00 $2,764.80 $2,764.80 $2,764.80 38 84.53866.0020 Lot 001 Block 010 of TOWNSITE OF ST JOSEPH Lot 002 Block 010 of TOWNSITE OF ST JOSEPH 34 COLLEGE AVE N 1598 BLACKBERRY CIR SARTELL MN 56377 COLLEGE & MINNESOTA LLC 212.00 106.00 106.00 $4,070.40 $4,070.40 $4,070.40 F:\CITY\shared\2023 Street Improvements\[Final Assessment Worksheet-CITY.xlsx]Loso's TOTALS 819.50 2432.10 409.75 2432.10 2841.85 $109,127.04 $109,127.04 $3,969.60 $105,157.44 LINE NO. TOTAL ASSESSMENT PLATTED ADBUTTING FOOTAGE 36'-38' WIDE MILL AND OVERLAY ADJUSTED FOOTAGE SUBTOTAL ASSESSMEN T CITY SUBSIDY Page 1 DRAFT FINAL SPECIAL ASSESSMENT ROLL 6/12/2023 32' WIDE MILL AND PAVE (60%)$48.86 /LF 2023 STREET IMPROVEMENTS 36' WIDE MILL AND PAVE (60%)$60.52 /LF NORTHLAND PLATS 3, 4, 5 40' WIDE MILL AND PAVE (60%)$95.43 /LF LINE NO.PARCEL ID NO.PROPERTY DESCRIPTION PROPERTY ADDRESS MAILING ADDRESS OWNER OF RECORD LONG SIDE SHORT SIDE LONG SIDE SHORT SIDE ASSESSED FOOTAGE LONG SIDE SHORT SIDE ASSESSED FOOTAGE LONG SIDE SHORT SIDE ASSESSED FOOTAGE 32' MILL AND PAVE 36' MILL AND PAVE 40' MILL AND PAVE 1 84.53734.0118 Lot 004 Block 003 of NORTHLAND PLAT THREE 508 GUMTREE ST E 508 GUMTREE ST NE SAINT JOSEPH MN 56374 MEYER-BERG THERESA V 120.78 60.39 60.39 $5,763.02 $5,763.02 $5,763.02 2 84.53734.0150 Lot 002 Block 002 of NORTHLAND PLAT FOUR 613 NORTHLAND DR 613 NORTHLAND DR SAINT JOSEPH MN 56374 ROTHSTEIN JAMES J & MELISSA C 75.94 75.94 75.94 $7,246.95 $7,246.95 $746.95 $6,500.00 3 84.53734.0154 Lot 006 Block 002 of NORTHLAND PLAT FOUR 521 FIR ST E 521 FIR ST NE SAINT JOSEPH MN 56374 COOPER SEAN 136.56 94.64 94.64 94.64 68.28 68.28 $6,515.96 $6,515.96 $15.96 $6,500.00 4 84.53734.0153 Lot 005 Block 002 of NORTHLAND PLAT FOUR 515 FIR ST E 515 FIR ST NE SAINT JOSEPH MN 56374 SCOTT RICHARD SCOTT SHEILA 80.00 80.00 80.00 $3,908.80 $3,908.80 $3,908.80 5 84.53734.0152 Lot 004 Block 002 of NORTHLAND PLAT FOUR 509 FIR ST E 509 FIR ST NE SAINT JOSEPH MN 56374 WOLLE DENNIS L & DONNA J 80.00 80.00 80.00 $3,908.80 $3,908.80 $3,908.80 6 84.53734.0151 Lot 003 Block 002 of NORTHLAND PLAT FOUR 505 FIR ST NE 505 FIR ST NE SAINT JOSEPH MN 56374 JORSCHUMB DARRIN W DEMEL KAYE M 122.45 103.92 122.45 103.92 226.37 $11,060.44 $11,060.44 $4,560.44 $6,500.00 7 84.53734.0142 Lot 003 Block 001 of NORTHLAND PLAT FOUR 609 5TH AVE NE 609 5TH AVE NE SAINT JOSEPH MN 56374 KREMER JEFFREY T & ROBIN B 80.00 80.00 80.00 $3,908.80 $3,908.80 $3,908.80 8 84.53734.0143 Lot 004 Block 001 of NORTHLAND PLAT FOUR 601 5TH AVE NE 601 5TH AVE NE SAINT JOSEPH MN 56374 MILES TIMOTHY J 84.55 142.00 142.00 $6,938.12 $6,938.12 $438.12 $6,500.00 9 84.53734.0144 Lot 005 Block 001 of NORTHLAND PLAT FOUR 502 FIR ST E 502 FIR ST NE SAINT JOSEPH MN 56374 BUTKOWSKI MELVIN A & CAROL 75.68 131.00 131.00 $6,400.66 $6,400.66 $6,400.66 10 84.53734.0145 Lot 006 Block 001 of NORTHLAND PLAT FOUR 506 FIR ST E 506 FIR ST NE SAINT JOSEPH MN 56374 MUSKE TIMOTHY N MUSKE MICHELE 79.42 79.42 79.42 $3,880.46 $3,880.46 $3,880.46 11 84.53734.0146 Lot 007 Block 001 of NORTHLAND PLAT FOUR 510 FIR ST E 510 FIR ST NE SAINT JOSEPH MN 56374 HULTQUIST KATHERINE E 80.00 80.00 80.00 $3,908.80 $3,908.80 $3,908.80 12 84.53734.0147 Lot 008 Block 001 of NORTHLAND PLAT FOUR 516 FIR ST E 516 FIR ST NE SAINT JOSEPH MN 56374 VANCE CHRISTOPHER D & YVETTE 80.00 80.00 80.00 $3,908.80 $3,908.80 $3,908.80 13 84.53734.0148 Lot 009 Block 001 of NORTHLAND PLAT FOUR 522 FIR ST E 2410 HIGHLAND TRL SW ALEXANDRIA MN 56308 SCHULTZ MARTIN D SCHULTZ HEIDI E 137.44 95.37 95.37 95.37 68.72 68.72 $4,659.78 $4,659.78 $4,659.78 14 84.53734.0157 Lot 001 Block 004 of NORTHLAND PLAT FOUR 606 FIR ST E 606 FIR ST NE SAINT JOSEPH MN 56374 LINDGREN MICHAEL LINDGREN MARI 137.44 100.00 100.00 100.00 68.72 68.72 $4,886.00 $4,886.00 $4,886.00 15 84.53734.0156 Lot 002 Block 003 of NORTHLAND PLAT FOUR 608 NORTHLAND DR 608 NORTHLAND DR SAINT JOSEPH MN 56374 TERRES CORY R & KATHERINE L 162.30 100.00 100.00 100.00 81.15 81.15 $7,744.14 $7,744.14 $1,244.14 $6,500.00 16 84.53734.0155 Lot 001 Block 003 of NORTHLAND PLAT FOUR 606 GUMTREE ST E 606 GUMTREE ST NE SAINT JOSEPH MN 56374 FUSSY BRIAN FUSSY JILL 147.00 87.25 87.25 87.25 73.50 73.50 $7,014.11 $7,014.11 $514.11 $6,500.00 17 84.53734.0208 Lot 001 Block 003 of NORTHLAND PLAT 5 612 GUMTREE ST E 612 GUMTREE ST NE SAINT JOSEPH MN 56374 ANDERSON CALEB 79.00 79.00 79.00 $4,781.08 $4,781.08 $4,781.08 18 84.53734.0209 Lot 002 Block 003 of NORTHLAND PLAT 5 618 GUMTREE ST E 618 GUMTREE ST NE SAINT JOSEPH MN 56374 STOVER JASON 80.05 80.05 80.05 $4,844.63 $4,844.63 $4,844.63 19 84.53734.0210 Lot 003 Block 003 of NORTHLAND PLAT 5 615 7TH AVE NE 615 7TH AVE NE SAINT JOSEPH MN 56374 FRANK & JEAN OSENDORF TRUST 135.37 101.96 67.69 67.69 101.96 101.96 $3,307.09 $6,170.62 $9,477.71 $2,977.71 $6,500.00 20 84.53734.0211 Lot 004 Block 003 of NORTHLAND PLAT 5 621 FIR ST E 611 7TH AVE NE SAINT JOSEPH MN 56374 GOTTWALT BRADLEY GOTTWALT LYNN M 106.61 99.71 53.31 99.71 153.02 $7,476.31 $7,476.31 $976.31 $6,500.00 21 84.53734.0212 Lot 005 Block 003 of NORTHLAND PLAT 5 615 FIR ST E 615 FIR ST NE SAINT JOSEPH MN 56374 SAUERS MASELAN 75.00 75.00 75.00 $3,664.50 $3,664.50 $3,664.50 22 84.53734.0213 Lot 006 Block 003 of NORTHLAND PLAT 5 611 FIR ST E 611 FIR ST NE SAINT JOSEPH MN 56374 MILLER THOMAS J MILLER KATIE L 75.00 75.00 75.00 $3,664.50 $3,664.50 $3,664.50 23 84.53734.0207 Lot 037 Block 002 of NORTHLAND PLAT 5 612 FIR ST E 612 FIR ST NE SAINT JOSEPH MN 56374 LYON KATHERINE A 80.00 80.00 80.00 $3,908.80 $3,908.80 $3,908.80 24 84.53734.0206 Lot 036 Block 002 of NORTHLAND PLAT 5 616 FIR ST E 616 FIR ST NE SAINT JOSEPH MN 56374 HOLMSTROM MICHAEL C HOLMSTROM RACHEL 80.00 80.00 80.00 $3,908.80 $3,908.80 $3,908.80 25 84.53734.0205 Lot 035 Block 002 of NORTHLAND PLAT 5 622 FIR ST E 622 FIR ST NE SAINT JOSEPH MN 56374 JEFFREY L PETERSON REV TRUST 74.18 74.18 74.18 $3,624.43 $3,624.43 $3,624.43 26 84.53734.0204 Lot 034 Block 002 of NORTHLAND PLAT 5 626 FIR ST E 626 FIR ST NE SAINT JOSEPH MN 56374 SMITH DAVID A SMITH RUTH E 66.64 66.64 66.64 $3,256.03 $3,256.03 $3,256.03 27 84.53734.0203 Lot 033 Block 002 of NORTHLAND PLAT 5 602 7TH AVE NE 602 7TH AVE NE SAINT JOSEPH MN 56374 LOWMAN JAY E WEAR CINDY G 52.55 52.55 52.55 $2,567.59 $2,567.59 $2,567.59 28 84.53734.0202 Lot 032 Block 002 of NORTHLAND PLAT 5 606 7TH AVE NE 606 7TH AVE NE SAINT JOSEPH MN 56374 OLSON AARON K OLSON JULIA C 50.33 50.33 50.33 $2,459.12 $2,459.12 $2,459.12 29 84.53734.0201 Lot 031 Block 002 of NORTHLAND PLAT 5 610 7TH AVE NE 610 7TH AVE NE SAINT JOSEPH MN 56374 PATTON MICHAEL K & RAMONA M 84.34 84.34 84.34 $4,120.85 $4,120.85 $4,120.85 30 84.53734.0200 Lot 030 Block 002 of NORTHLAND PLAT 5 616 7TH AVE NE 616 7TH AVE NE SAINT JOSEPH MN 56374 NYDEEN LANCE E & PAMELA J 75.23 75.23 75.23 $3,675.74 $3,675.74 $3,675.74 31 84.53734.0199 Lot 029 Block 002 of NORTHLAND PLAT 5 620 7TH AVE NE 620 7TH AVE NE SAINT JOSEPH MN 56374 MEHL EVAN L 73.88 73.88 73.88 $3,609.78 $3,609.78 $3,609.78 32 84.53734.0198 Lot 028 Block 002 of NORTHLAND PLAT 5 626 GUMTREE CT 626 GUMTREE CT NE SAINT JOSEPH MN 56374 JAGIELSKI MICHAEL J & LOUELLA 98.14 98.14 98.14 $4,795.12 $4,795.12 $4,795.12 33 84.53734.0197 Lot 027 Block 002 of NORTHLAND PLAT 5 630 GUMTREE CT 630 GUMTREE CT NE SAINT JOSEPH MN 56374 HOSCH LAWRENCE J KNEBEL HOLLY L 55.14 94.00 94.00 $4,592.84 $4,592.84 $4,592.84 34 84.53734.0196 Lot 026 Block 002 of NORTHLAND PLAT 5 632 GUMTREE CT 632 GUMTREE CT NE SAINT JOSEPH MN 56374 HELLERMANN ADAM 45.55 112.00 112.00 $5,472.32 $5,472.32 $5,472.32 35 84.53734.0195 Lot 025 Block 002 of NORTHLAND PLAT 5 633 GUMTREE CT 633 GUMTREE CT NE SAINT JOSEPH MN 56374 MAAG WILLIAM & JANET 55.08 104.00 104.00 $5,081.44 $5,081.44 $5,081.44 36 84.53734.0194 Lot 024 Block 002 of NORTHLAND PLAT 5 629 GUMTREE CT 629 GUMTREE CT NE SAINT JOSEPH MN 56374 SEDERQUIST KAITLIN M SEDERQUIST RYAN S 79.36 93.00 93.00 $4,543.98 $4,543.98 $4,543.98 37 84.53734.0193 Lot 023 Block 002 of NORTHLAND PLAT 5 623 GUMTREE ST E 623 GUMTREE ST NE SAINT JOSEPH MN 56374 KROELLS AMANDA L 126.20 85.00 85.00 $5,144.20 $5,144.20 $5,144.20 38 84.53734.0192 Lot 022 Block 002 of NORTHLAND PLAT 5 617 GUMTREE ST E 617 GUMTREE ST NE SAINT JOSEPH MN 56374 OLSON JOSHUA D OLSON DANIELLE J 91.65 78.00 78.00 $4,720.56 $4,720.56 $4,720.56 39 84.53734.0191 Lot 021 Block 002 of NORTHLAND PLAT 5 611 GUMTREE ST E 611 GUMTREE ST NE SAINT JOSEPH MN 56374 SCHNETTLER ADAM M SCHNETTLER AMANDA L 75.00 75.00 75.00 $4,539.00 $4,539.00 $4,539.00 40 84.53734.0190 Lot 020 Block 002 of NORTHLAND PLAT 5 704 NORTHLAND DR 605 GUMTREE ST NE SAINT JOSEPH MN 56374 EIYNCK BRYCE L 97.00 97.00 97.00 $5,870.44 $5,870.44 $5,870.44 F:\CITY\shared\2023 Street Improvements\[Final Assessment Worksheet-CITY.xlsx]Loso's TOTALS 1205.95 3167.76 243.44 2534.35 2777.79 783.26 783.26 420.76 75.94 496.70 $131,098.71 $36,070.53 $34,284.18 $201,453.42 $11,473.74 $189,979.67 SPECIAL ASSESSEMENTS PLATTED ADBUTTING FOOTAGE 32' MILL AND PAVE ADJUSTED FOOTAGE 36' MILL AND PAVE ADJUSTED FOOTAGE 40' MILL AND PAVE ADJUSTED FOOTAGE TOTAL ASSESSMENT SUBTOTAL ASSESSMENT CITY SUBSIDY Page 2 FINAL SPECIAL ASSESSMENT ROLL 6/12/2023 2023 STREET IMPROVEMENTS SANITARY SEWER $8,988.00 /EA BLOCK II ALLEYS 16' WIDE RECONSTRUCT (100%)$129.45 /LF SANITARY SEWER LINE NO.PARCEL ID NO.PROPERTY DESCRIPTION PROPERTY ADDRESS MAILING ADDRESS OWNER OF RECORD LONG SIDE SHORT SIDE SERVICE UNITS LONG SIDE SHORT SIDE ASSESSED FOOTAGE SANITARY SEWER 16' RECON 1 84.53886.0000 Lot 001 Block 011 of TOWNSITE OF ST JOSEPH N2/3 OF LOTS 1-2-3 BLK 11 120 2ND AVE NW 21366 WESTBROOK DR COLD SPRING MN 56320 MOSCHO ERIC E & AIMMEEJEAN N 132.00 132.00 132.00 $17,087.40 $17,087.40 $6,527.40 $10,560.00 2 84.53887.0000 Lot 001 Block 011 of TOWNSITE OF ST JOSEPH S1/3 OF LOTS 1-2 & 3 BLK 11 114 2ND AVE NW 32219 NOB HILL DR AVON MN 56310 JAMES & WILMA SCHWEGEL TRUST 198.00 66.00 99.00 66.00 165.00 $21,359.25 $21,359.25 $8,159.25 $13,200.00 3 84.53891.0000 Lot 007 Block 011 of TOWNSITE OF ST JOSEPH LOT 7 & W10' OF LOT 8 BLK 11 106 2ND AVE NW 12255 KARLYN RD SAINT JOSEPH MN 56374 SCHMIDT ALEXANDER E 76.00 1.00 76.00 76.00 $8,988.00 $9,838.20 $18,826.20 $9,746.20 $9,080.00 4 84.53892.0000 Lot 008 Block 011 of TOWNSITE OF ST JOSEPH WLY 36' OF ELY 56' LOT 8 BLK 11 310 ASH ST W 12255 KARLYN RD SAINT JOSEPH MN 56374 SCHMIDT ALEXANDER E 36.00 36.00 36.00 $4,660.20 $4,660.20 $1,780.20 $2,880.00 5 84.53893.0000 Lot 008 Block 011 of TOWNSITE OF ST JOSEPH E20' OF LOT 8 & ALL LOT 9 BLK 11 117 ASH ST W PO BOX 1185 SAINT CLOUD MN 56302 EHLEN PROPERTIES LMTD PRTNSHP 198.00 86.00 1.00 99.00 86.00 185.00 $8,988.00 $23,948.25 $32,936.25 $15,136.25 $17,800.00 6 84.53894.0000 Lot 010 Block 011 of TOWNSITE OF ST JOSEPH 109 ASH ST W 1598 BLACKBERRY CIR SARTELL MN 56377 COLLEGE & MINNESOTA LLC 198.00 66.00 1.00 99.00 66.00 165.00 $8,988.00 $21,359.25 $30,347.25 $14,647.25 $15,700.00 7 84.53895.0000 Lot 011 Block 011 of TOWNSITE OF ST JOSEPH LOT 11 LESS N72' OF E10' & S 126' OF W10' OF LT 12 BLK 11 105 ASH ST W 1598 BLACKBERRY CIR SARTELL MN 56377 COLLEGE & MINNESOTA LLC 56.00 1.00 56.00 56.00 $8,988.00 $7,249.20 $16,237.20 $9,257.20 $6,980.00 8 84.53897.0000 Lot 011 Block 011 of TOWNSITE OF ST JOSEPH N72' OF LOT 12 & N72' OF E10 OF LOT 11 BLK 11 111 1ST AVE NW 31 1ST AVE NE SAINT JOSEPH MN 56374 WALZ DANIEL 76.00 1.00 76.00 76.00 $8,988.00 $9,838.20 $18,826.20 $10,246.20 $8,580.00 9 84.53890.0000 Lot 005 Block 011 of TOWNSITE OF ST JOSEPH S66' OF E54' OF LOT 5 & S66' LOT 6 BLK 11 110 BIRCH ST W 416 REES ST PLAYA DEL REY CA 90293 LOSO STEFFAN TRUST 132.00 66.00 66.00 $8,543.70 $8,543.70 $3,263.70 $5,280.00 10 84.53888.0000 Lot 004 Block 011 of TOWNSITE OF ST JOSEPH LOTS 4-5 & 6 LESS THE S66' OF E54' OF LOT 5 & LESS THE S66' 123 1ST AVE NW PO BOX 64142 SAINT PAUL MN 55164 LOSO FAMILY REV TRUST 198.00 66.00 99.00 99.00 $12,815.55 $12,815.55 $4,895.55 $7,920.00 F:\CITY\shared\2023 Street Improvements\[Final Assessment Worksheet-CITY.xlsx]Loso's TOTALS 924.00 660.00 5.00 462.00 594.00 1056.00 $44,940.00 $136,699.20 $181,639.20 $83,659.20 $97,980.00 TOTAL ASSESSMENT SPECIAL ASSESSEMENTS PLATTED ADBUTTING FOOTAGE 16' WIDE RECONSTRUCT ADJUSTED FOOTAGE SUBTOTAL ASSESSMENT CITY SUBSIDY Page 3 STAFF MEMO Prepared by: Lori Bartlett, Finance Director Meeting Date: 6-27-23 ☐ Consent Agenda Item ☒ Regular Agenda Item Agenda Item # 6 Reviewed by: Item: 2022 Audited Financial Statements ACTION REQUESTED Consider acceptance of the 2022 audited financial statements. BOARD/COMMISSION/COMMITTEE RECOMMENDATION None PREVIOUS COUNCIL ACTION Council hired BerganKDV to perform a financial audit of the city’s 2022 financial statements. This is the third year of the three-year engagement letter. REFERENCE AND BACKGROUND Annually MN State Statute and the MN Office of the State Auditor requires the City to have an independent financial audit completed. The audit consists of reviewing internal controls, policies, adherence to GASB, test compliance of MN Statutes and compliance with federal grants. BerganKDV began audit work in the end of 2022 through June 2023 for the 2022 audited financial statements. The Partner, Nancy Schulzetenberg, and Manager, Janel Bitzan, met with David and Lori to report their findings on June 21st. Either Nancy or Janel will be present at the council meeting to report their findings to the city council, staff and public. The only finding they reported is a lack of segregation of accounting duties as in past years. Due to costs to hire enough employees to eliminate this finding, council and staff have agreed to monitor policies and internal controls to mitigate misstatements and misappropriation of city funds. The audited financial statements can be cumbersome to read. Although the entire report is important for the users of the statements, the Management Discussion and Analysis (MD&A) on pages 5-22 provide a nice overview of the financial highlights for 2022 and the economic factors that will affect the upcoming years. City staff prepared the MD&A analysis. The report included with the financial statements titled “Communications Letter” is an analysis of the financial conditions of the City and was prepared by BerganKDV. BUDGET IMPACT Informational only STAFF RECOMMENDED ACTION Accept the 2022 audited financial statements. SUPPORTING DATA/ATTACHMENTS 2022 Audited Financial Statements 2022 Communications Letter City of St. Joseph Communications Letter December 31, 2022 City of St. Joseph Table of Contents Report on Matters Identified as a Result of the Audit of the Basic Financial Statements 1 Material Weakness 3 Required Communication 5 Financial Analysis 9 Emerging Issues 23 1 Report on Matters Identified as a Result of the Audit of the Basic Financial Statements Honorable Mayor, Members of the City Council and Management City of St. Joseph St. Joseph, Minnesota In planning and performing our audit of the basic financial statements of the governmental activities, business-type activities, each major fund, and the aggregate remaining fund information of the City of St. Joseph, Minnesota, as of and for the year ended December 31, 2022, in accordance with auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States, we considered the City's internal control over financial reporting (internal control) as a basis for designing audit procedures that are appropriate in the circumstances for the purpose of expressing our opinions on the financial statements, but not for the purpose of expressing an opinion on the effectiveness of the City's internal control. Accordingly, we do not express an opinion on the effectiveness of the City's internal control over financial reporting. Our consideration of internal control was for the limited purpose described in the preceding paragraph and was not designed to identify all deficiencies in internal control that might be material weaknesses or significant deficiencies and, therefore, material weaknesses or significant deficiencies may exist that have not been identified. In addition, because of inherent limitations in internal control, including the possibility of management override of controls, misstatements due to error, or fraud may occur and not be detected by such controls. However, as discussed below, we identified a certain deficiency in internal control that we consider to be a material weakness. A deficiency in internal control exists when the design or operation of a control does not allow management or employees, in the normal course of performing their assigned functions, to prevent, or detect and correct, misstatements on a timely basis. A material weakness is a deficiency, or a combination of deficiencies, in internal control over financial reporting, such that there is a reasonable possibility that a material misstatement of the City's basic financial statements will not be prevented, or detected and corrected, on a timely basis. A reasonable possibility exists when the likelihood of an event occurring is either reasonably possible or probable as defined as follows:  Reasonably possible. The chance of the future event or events occurring is more than remote but less than likely.  Probable. The future event or events are likely to occur. The material weakness identified is stated within this letter. 2 The accompanying memorandum also includes financial analysis provided as a basis for discussion. The matters discussed herein were considered by us during our audit and they do not modify the opinion expressed in our Independent Auditor's Report dated June 21, 2023, on such statements. This communication, which is an integral part of our audit, is intended solely for the information and use of the City Council, management, others within the City and state oversight agencies and is not intended to be, and should not be, used by anyone other than these specified parties. St. Cloud, Minnesota June 21, 2023 3 City of St. Joseph Material Weakness Improve Segregation of Accounting Duties Adequate segregation of accounting duties is in place when the four areas of a transaction have been separated: authorization, custody, recording, and reconciliation. As part of this year's audit, we reviewed the City's documentation of its internal control over significant areas including: cash receipts, cash disbursements, capital assets, payroll, and utility billing. The lack of adequate segregation of accounting duties could adversely affect the City's ability to initiate, record, process, and report financial data consistent with the assertions of management in the financial statements. Some of the areas in which we noticed a lack of segregation or an overlap in duties are as follows: Cash Receipts The Administrative assistant opens mail, enters cash and checks into the point-of-sale system, and reconcile daily receipts. The Account Technician sends late notices/calculates penalties. The Police Clerk will accept cash/checks as well. A police officer takes the deposit to the bank. Cash Disbursements The Finance Director also is an authorized signer and has access to the Mayor's electronic signature. At year-end, the Finance Director reconciles and records contracts payable. The City Administrator reviews and approves checks for payment. Capital Assets The Finance Director records, processes, reconciles, and posts journal entries related to capital assets. Department heads review their listing for accuracy. Payroll The Finance Technician reconciles employee's time, processes, and posts payroll, generates a payroll report, distributes paystubs to employees, and posts the journal entries related to payroll. In addition, this same employee reconciles payroll accruals. The Finance Director reviews payroll reports and time off balances and calculates compensated absences balances for the audit. Utility Billing The Account Technician enters new accounts into the utility billing system and uploads meter readings via interfacing with electronic readers. The Account Technician enters any rate changes to the system. The Account Technician can enter manual adjustments, calculates, and enters final bills, prints, and mails utility bills. The Administrative Assistant reconciles receipts to billed amounts and enters receipts batches. Finance Director approves adjustments and rate changes are approved by councils. The Account Technician has the ability to adjust bills without detection. Cash Reconciliation and Access The Finance Director performs the above noted responsibilities, while also reconciling cash, and generating manual journal entries. In addition, during our audit, we noted a prior period adjustment that was necessary to restate the beginning balances of CIP between the Enterprise Funds. 4 City of St. Joseph Material Weakness Improve Segregation of Accounting Duties (Continued) We recommend management and the City Council review the above deficiencies and improve segregation of accounting duties where possible to build upon the control environment. We also recommend the City closely follow its internal control plan and follow through with the control activities that have been designed. 5 City of St. Joseph Required Communication We have audited the basic financial statements of the governmental activities, business-type activities, each major fund, and the aggregate remaining fund information of the City as of and for the year ended December 31, 2022. Professional standards require that we advise you of the following matters related to our audit. Our Responsibility in Relation to the Financial Statement Audit As communicated in our engagement letter, our responsibility, as described by professional standards, is to form and express opinions about whether the basic financial statements prepared by management with your oversight are presented fairly, in all material respects, in accordance with accounting principles generally accepted in the United States of America. Our audit of the basic financial statements does not relieve you or management of its respective responsibilities. Our responsibility, as prescribed by professional standards, is to plan and perform our audit to obtain reasonable, rather than absolute, assurance about whether the basic financial statements are free of material misstatement. An audit of the basic financial statements includes consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the City's internal control over financial reporting. Accordingly, as part of our audit, we considered the internal control of the City solely for the purpose of determining our audit procedures and not to provide any assurance concerning such internal control. We are also responsible for communicating significant matters related to the audit that are, in our professional judgement, relevant to your responsibilities in overseeing the financial reporting process. However, we are not required to design procedures for the purpose of identifying other matters to communicate to you. Generally accepted accounting principles provide for certain Required Supplementary Information (RSI) to supplement the basic financial statements. Our responsibility with respect to the RSI, which supplements the basic financial statements, is to apply certain limited procedures in accordance with generally accepted auditing standards. However, the RSI was not audited and, because the limited procedures do not provide us with sufficient evidence to express an opinion or provide any assurance, we do not express an opinion or provide any assurance on the RSI. Our responsibility for the supplementary information accompanying the basic financial statements, as described by professional standards, is to evaluate the presentation of the supplementary information in relation to the basic financial statements as a whole and to report on whether the supplementary information is fairly stated, in all material respects, in relation to the basic financial statements as a whole. Our Responsibility in Relation to Government Auditing Standards As communicated in our engagement letter, part of obtaining reasonable assurance about whether the basic financial statements are free of material misstatement, we performed tests of the City's compliance with certain provisions of laws, regulations, contracts, and grant agreements, noncompliance with which could have a direct and material effect on the determination of basic financial statement amounts. However, the objective of our tests was not to provide an opinion on compliance with such provisions. 6 City of St. Joseph Required Communication Planned Scope and Timing of the Audit We conducted our audit consistent with the planned scope and timing we previously communicated to you. Compliance with All Ethics Requirements Regarding Independence The engagement team, others in our firm, as appropriate, our firm, and our network firms have complied with all relevant ethical requirements regarding independence. Significant Risks Identified We have identified the following significant risks of material misstatement: Misappropriation of assets and segregation of duties - If duties cannot be appropriately segregated within the accounting and finance department, there is a risk of unauthorized disbursements being made from the City and adjustments being made to the City's general ledger. In addition,generally, this results in less review taking place as transactions are recorded in the financial statements. Management override of internal control - Management override of internal control is considered a risk in substantially all engagements as management may be incentivized to produce better results. Improper revenue recognition - Revenue recognition is considered a fraud risk on substantially all engagements as it generally has a significant impact on the results of the governments operations. In addition, complexities exist surrounding the calculation and recording of various revenue sources. Qualitative Aspects of the City's Significant Accounting Practices Significant Accounting Policies Management has the responsibility to select and use appropriate accounting policies. A summary of the significant accounting policies adopted by the City is included in the notes to basic financial statements. There have been no initial selection of accounting policies and no changes to significant accounting policies or their application during 2022. No matters have come to our attention that would require us, under professional standards, to inform you about (1) the methods used to account for significant unusual transactions and (2) the effect of significant accounting policies in controversial or emerging areas for which there is a lack of authoritative guidance or consensus. Significant Accounting Estimates Accounting estimates are an integral part of the basic financial statements prepared by management and are based on management's current judgements. Those judgements are normally based on knowledge and experience about past and current events and assumptions about future events. Certain accounting estimates are particularly sensitive because of their significance to the basic financial statements and because of the possibility that future events affecting them may differ markedly from management's current judgements. The most sensitive estimates affecting the basic financial statements relate to: Depreciation – The City is currently depreciating its capital assets over their estimated useful lives, as determined by management, using the straight-line method. 7 City of St. Joseph Required Communication Qualitative Aspects of the City's Significant Accounting Practices (Continued) Significant Accounting Estimates (Continued) Net Pension Liability, Deferred Outflows of Resources Related to Pensions and Deferred Inflows of Resources Related to Pensions – These balances are based on an allocation by the pension plans using estimates based on contributions. We evaluated the key factors and assumptions used to develop the accounting estimates and determined that they are reasonable in relation to the basic financial statements taken as a whole and in relation to the applicable opinion units. Financial Statement Disclosures Certain basic financial statement disclosures involve significant judgment and are particularly sensitive because of their significance to financial statement users. The basic financial statement disclosures are neutral, consistent, and clear. Significant Difficulties Encountered during the Audit We encountered no significant difficulties in dealing with management relating to the performance of the audit. Uncorrected and Corrected Misstatements For the purposes of this communication, professional standards require us to accumulate all known and likely misstatements identified during the audit, other than those that we believe are trivial, and communicate them to the appropriate level of management. Further, professional standards require us to also communicate the effects of uncorrected misstatements related to prior periods on the relevant classes of transactions, account balances or disclosures, and the basic financial statements taken as a whole and each applicable opinion unit. We identified the following uncorrected misstatement of the basic financial statements. Management has determined its effect is immaterial, both individually and in the aggregate, to the basic financial statements taken as a whole and each opinion unit.  Prepaid expenditures  Lease receivable and deferred inflow  Lease liability and leased asset In addition, professional standards require us to communicate to you all material, corrected misstatements that were brought to the attention of management as a result of our audit procedures. None of the misstatements detected as a result of audit procedures and corrected by management were material, either individually or in the aggregate, to the basic financial statements taken as a whole. Disagreements with Management For purposes of this letter, professional standards define a disagreement with management as a matter, whether or not resolved to our satisfaction, concerning a basic financial accounting, reporting, or auditing matter, which could be significant to the City's basic financial statements or the auditor's report. No such disagreements arose during the course of our audit. 8 City of St. Joseph Required Communication Representations Requested from Management We have requested certain written representations from management, which are included in the management representation letter. Management's Consultations with Other Accountants In some cases, management may decide to consult with other accountants about auditing and accounting matters. Management has informed us that, and to our knowledge, there were no consultations with other accountants regarding auditing and accounting matters. Other Significant Matters, Findings, or Issues In the normal course of our professional association with the City, we generally discuss a variety of matters, including the application of accounting principles and auditing standards, significant events or transactions that occurred during the year, operating and regulatory conditions affecting the City, and operational plans and strategies that may affect the risks of material misstatement. None of the matters discussed resulted in a condition to our retention as the City's auditor. Other Information Included in Annual Reports Pursuant to professional standards, our responsibility as auditors for other information, whether financial or nonfinancial, included in the City's annual reports, does not extend beyond the information identified in the audit report, and we are not required to perform any procedures to corroborate such other information. We applied certain limited procedures to the RSI that supplements the basic financial statements. Our procedures consisted of inquiries of management regarding the methods of preparing the information and comparing the information for consistency with management's responses to our inquiries, the basic financial statements, and other knowledge we obtained during our audit of the basic financial statements. We did not audit the RSI and do not express an opinion or provide any assurance on the RSI. With respect to the supplementary information accompanying the financial statements, we made certain inquiries of management and evaluated the form, content and methods of preparing the information to determine that the information complies with accounting principles generally accepted in the United States of America, the method of preparing it has not changed from the prior period, and the information is appropriate and complete in relation to our audit of the financial statements. We compared and reconciled the supplementary information to the underlying accounting records used to prepare the basic financial statements or to the basic financial statements themselves. 9 City of St. Joseph Financial Analysis The following pages provide graphic representation of select data pertaining to the financial position and operations of the City for the past five years. Our analysis of each graph is presented to provide a basis for discussion of past performance and how implementing certain changes may enhance future performance. We suggest you view each graph and document if our analysis is consistent with yours. A subsequent discussion of this information should be useful for planning purposes. Tax Capacity, Levy, and Rates The taxable tax capacity increased at a similar rate to the increase in the certified levy in 2022, causing the tax rate to increase to 56.52%. $3,565,731 $3,851,786 $5,200,249 $5,538,243 $5,802,836 $2,191,595 $2,343,285 $2,893,011 $2,957,875 $3,279,949 61.46%60.84% 55.63%53.41% 56.52% 99.66%99.41%99.93%97.74%97.96% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% $1,000,000 $1,500,000 $2,000,000 $2,500,000 $3,000,000 $3,500,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 2018 2019 2020 2021 2022 Tax Capacity, Levy, and Rates Taxable Tax Capacity Certified Tax Levy Tax Rate Collection Rate 10 City of St. Joseph Financial Analysis General Fund For the year ended December 31, 2022, General Fund expenditures exceeded revenue by $28,313. In addition to this, the fund had transfers in of $69,391 from other funds and transfers out of $259,064 to other funds resulting in a decrease in the General Fund balance of $172,938. Of the City's General Fund balance at December 31, 2022, $1,779,231 was assigned for specific expenditures, such as the elections, police forfeiture, severance pay and capital outlay reserves. The City had $10,729 of its fund balance restricted for PEG access. The City also has $17,500 of its fund balance in nonspendable form as the funds have already been spent on prepaid professional services. The unassigned portion of the fund balance, which includes monies set aside for working capital, totaled $2,208,806 and represents approximately six months of 2022 General Fund expenditures. The City's target General Fund balance is to maintain working capital, a portion of the unassigned balance, in the amount of four to six months of the next year's budgeted expenditures of the General Fund. The graphs below and on the following page show the City's General Fund balance and the General Fund revenues and expenditures for the last five years. $1,468,385 $1,631,900 $1,707,066 $2,082,669 $2,208,806 $620,425 $625,428 $648,556 $267,501 $321,091 $453,843 $2,098,456 $1,779,231 $5,051 $10,729 $24,560 $9 $4,490 $3,274 $17,500 $- $500,000 $1,000,000 $1,500,000 $2,000,000 $2,500,000 $3,000,000 $3,500,000 $4,000,000 $4,500,000 2018 2019 2020 2021 2022 General Fund Balance Unassigned Assigned for Fire Fund Assigned for Other Purposes Restricted Nonspendable 11 City of St. Joseph Financial Analysis General Fund (Continued) 2018 2019 2020 2021 2022 Total Revenues $3,527,345 $3,711,600 $4,945,235 $4,283,181 $4,538,185 Total Expenditures 3,220,573 3,429,162 4,473,613 3,676,354 4,566,498 Fund Balance 2,385,922 2,578,428 2,813,955 4,189,204 4,016,266 $- $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 General Fund During the year ended December 31, 2022, the City's General Fund revenues increased $255,004, or 5.9%, from 2021, while expenditures increased by $890,144, or 24.2%. These changes in revenues and expenditures will be discussed by source and function, respectively, on the following pages. As discussed earlier, fund balance did decrease $172,938 from 2021 to 2022. Fund balance has increased $1,630,344 or 68.3% since 2018. 12 City of St. Joseph Financial Analysis General Fund Revenues 2018 2019 2020 2021 2022 Taxes 1,291,758$ 1,431,366$ 1,935,881$ 2,115,511$ 2,102,942$ Special assessments 5,341 3,558 3,389 57,840 4,891 Franchise fees 131,212 134,704 132,991 137,382 140,259 Licenses and permits 357,138 255,953 178,139 151,811 307,357 Intergovernmental 1,227,716 1,230,507 2,102,263 1,570,692 1,883,220 Charges for services 396,183 406,047 430,989 98,913 53,057 Fines and forfeitures 58,620 52,289 43,317 87,381 78,924 Miscellaneous 59,377 197,176 118,266 63,651 (32,465) Total Revenues 3,527,345$ 3,711,600$ 4,945,235$ 4,283,181$ 4,538,185$ As discussed earlier, the City's revenue increased $255,004 from 2021 to 2022. Intergovernmental revenues accounted for the largest increase from the prior year with an increase of $312,528, or 19.9%. Most of this increase was from federal grants largely related to ARPA funding in 2022. The City also received an increase of $155,546 or 103% in licenses and permits revenue due in part to hailstorm damage resulting in increased building permits also, permits were issued in 2022 for 32 new homes. Miscellaneous revenue account decreased by $96,116 from 2021. This decrease was primarily due to market value adjustments relating to investments. All other revenues stayed consistent with the prior year. Total revenues have grown $1,010,840 since 2018, an increase of 28.7%. The largest variances between the types of revenue over the five-year period have been the increases in property taxes and intergovernmental revenues while charges for services and miscellaneous revenue decreased. Other revenues have stayed relatively consistent over that timeframe. The pie charts on the following page show the General Fund sources of revenues for 2022 and 2021 as a percentage of total revenues. The allocation of sources of revenue fluctuates minimally from year-to- year. Intergovernmental revenue and taxes account for the two largest components of revenues, each making up 41.5% and 46.3% of the total in 2022. The total of these two categories accounts for approximately 86% and 88% of General Fund revenues for 2022 and 2021, respectively. 13 City of St. Joseph Financial Analysis General Fund Revenues (Continued) Taxes 46% Special assessments 1% Franchise fees 3% Licenses and permits 7%Intergovernmental 41% Charges for services 1%Fines and forfeitures 2% Miscellaneous -1% 2022 General Fund Revenues Taxes 49% Special assesments 1% Franchise fees 3% Licenses and permits 4% Intergovernmental 37% Charges for services 2%Fines and forfeitures 2% Miscellaneous 2% 2021 General Fund Revenues 14 City of St. Joseph Financial Analysis General Fund Expenditures 2018 2019 2020 2021 2022 General government 741,374$ 815,401$ 1,020,077$ 997,357$ 1,078,866$ Public safety 1,606,132 1,625,599 1,741,056 1,657,557 1,701,616 Public works 440,811 486,341 457,226 443,748 716,500 Culture and recreation 331,861 397,204 429,568 362,548 574,640 Economic Development - - 201,414 - - Capital outlay 100,395 104,617 624,272 215,144 494,876 Total Expenditures 3,220,573 3,429,162 4,473,613 3,676,354 4,566,498 As discussed earlier, General Fund expenditures increased $890,144, or 24.2%. The most significant increase in expenditures were in capital outlay, public works, and culture and recreation. Capital outlay increased $279,732, or 130% from 2021. This increase was due to the City purchasing a new Rescue Van, various equipment for police and fire, a shop remodel, and other miscellaneous items. The city had significantly fewer purchases in 2021. Public works expenditures increased by $272,752. This increase was primarily due to the City hiring additional staff. Culture and recreation expenditures increased by $212,092. This increase was primarily due to the capital campaign service contract for the community center, demoing bleachers and fencing in Millstream Park. The pie charts on the following page show the General Fund expenditures by function for 2022 and 2011 as a percentage of total expenditures. The allocation of expenditures by function vary from year to year. Public safety remains the largest component of General Fund expenditures, representing 37% of total expenditures, down from 45% in 2021. Capital outlay increased from 6% to 11% from 2021 to 2022. 15 City of St. Joseph Financial Analysis General Fund Expenditures (Continued) General government 24% Public safety 37% Public works 16% Culture and recreation 12% Capital outlay 11% 2022 General Fund Expenditures General government 27% Public safety 45% Public works 12% Culture and recreation 10% Capital outlay 6% 2021 General Fund Expenditures 16 City of St. Joseph Financial Analysis General Fund Budget The table below illustrates the General Fund budget and actual for 2022 revenues and expenditures by function. Actual Amounts Revenues Taxes 2,099,595$ 2,099,595$ 2,102,942$ 3,347$ Special assessments 4,000 4,000 4,891 891 Franchise fees 138,200 138,200 140,259 2,059 Licenses and permits 185,720 185,720 307,357 121,637 Intergovernmental 1,867,364 1,867,364 1,883,220 15,856 Charges for services 43,785 43,785 53,057 9,272 Fines and forfeitures 66,000 66,000 78,924 12,924 Miscellaneous 71,525 71,525 (32,465) (103,990) Total revenues 4,476,189 4,476,189 4,538,185 61,996 Expenditures General government 1,013,035 1,013,035 1,078,866 65,831 Public safety 1,786,140 1,786,140 1,701,616 (84,524) Public works 676,855 694,355 716,500 22,145 Culture and recreation 776,205 778,705 574,640 (204,065) Capital outlay 488,800 468,800 494,876 26,076 Total expenditures 4,741,035 4,741,035 4,566,498 (174,537) Excess of receipts over (under) disbursements (264,846) (264,846) (28,313) 236,533 Other Financing Sources (Uses) Insurance recoveries - - 30,198 30,198 Sale of property 7,000 7,000 14,850 7,850 Transfers in 13,340 13,340 69,391 56,051 Transfers out - - (259,064) (259,064) Total other financing sources 13,340 20,340 (144,625) (164,965) Net change in fund balance (251,506)$ (244,506)$ (172,938)$ 71,568$ Final Budget Variance With Final Budget - Over (under) Original Budget 17 City of St. Joseph Financial Analysis General Fund Budget (Continued) The City's had no updates to their original budget throughout the year. Budgeted revenues were $4.5 million, budgeted expenditures were $4.74 million, and other financing sources of $20,340. General fund revenues were over budget by $61,996. Licenses and permits revenues coming in over budget by $121,637 offset by Miscellaneous revenue coming in under budget of $103,990 represented the majority of this variance. The Licenses and permits came in over budget due mostly to the City not budgeting for the increase in building construction. The Miscellaneous revenue came in under budget due mostly to investment losses. Other revenues were in line with the budget. Total expenditures were under budget by $174,537. Culture and recreational had the largest budget variance, being $204,065 under budget in 2022. This variance was due to the City expenditures relating to Capital Campaign service contract which came in under budget. Public Safety was under budget $84,524, this is due to staffing changes throughout the year the resulted in cost savings as well as budgeting for family coverage for all full time positions. Other areas were consistent with budgeted amounts. Enterprise Funds Enterprise funds are used to account for operations financed and operated in a manner, similar to private business enterprises, where the City intends the cost of providing goods or services to the public be financed or recovered primarily through user charges. The City's Enterprise Funds include the Water, Sanitary Sewer, Refuse, Storm Water, and Street Light Utility Funds. Water Fund The Water Fund showed operating income in all five years presented. Operating revenues increased $8,874, or 0.8%, from 2021 to 2022. Operating expenses increased $175,814, or 19.8%, from 2021 to 2022 due to an increase in utility expenses to operate water plants, wage increases, additional supply costs at both treatment plants, hydrant repair, heater and air unit maintenance, professional fees relating to pump repair and replacement, Resilience assessment, and financial rate modeling software. Operations produced operating income of $100,815. With the exclusion of $455,628 in depreciation expense, the Fund experienced operating income of $556,443. However, depreciation should be considered as a true expense in operations, as most equipment and facilities will eventually need upgrades or replacement. The operations of the Water Fund covered 100% of depreciation expense. In addition to the operating revenues and expenses of the Water Fund, there were net non-operating expenses of $34,348, which is comprised of investment income, loss on disposal of asset, and interest expenses, offset by amortization of bond premium and other income. The operating and non-operating activities along with capital contributions, and transfers resulted in an increase in net position of $346,372, resulting in a net position of $11,747,633 at December 31, 2022. The cash and investments balance at December 31, 2022, totaled $1,313,076, an increase of $22,153. 18 City of St. Joseph Financial Analysis Water Fund (Continued) 2018 2019 2020 2021 2022 Operating Revenues $1,030,342 $1,001,282 $1,126,425 $1,153,777 $1,162,651 Operating Expenses 877,947 843,267 885,076 886,023 1,061,837 Operating Income with Depreciation 152,395 158,015 241,349 267,754 100,815 Operating Income without Depreciation 588,720 590,721 683,204 727,537 556,443 $- $200,000 $400,000 $600,000 $800,000 $1,000,000 $1,200,000 Water Fund Sanitary Sewer Fund Operating revenues increased $18,828 or 1.3%, from 2021 to 2022, while operating expenses decreased $2,001, or 0.2%. Revenues increased due to an increase in usage in 2022. Operating Expenses were consistent with the prior year. The Sewer Fund produced operating income for all five years presented. Due to the nature and cost of the Sewer Fund's assets, it is difficult to establish sewer rates sufficient to cover replacement of the assets represented by depreciation expense. Ideally, sewer revenues should cover all operating expenses, including depreciation. 19 City of St. Joseph Financial Analysis Sanitary Sewer Fund (Continued) The graph below indicates the Sewer Fund did generate operating income and covered 100% of depreciation each year presented. In addition to the operating revenues and expenses of the Sewer Fund, there were net non-operating expenses of $121,383, which was mostly comprised of interest expense and losses on investments. Capital contributions and transfers along with the operating and non-operating activities resulted in an increase in net position of $356,859, resulting in a net position of $11,606,177 at December 31, 2022. The cash balance at December 31, 2022, totaled $2,605,129, an increase of $1,832,232. 2018 2019 2020 2021 2022 Operating Revenues $1,387,894 $1,393,095 $1,345,104 $1,395,818 $1,414,646 Operating Expenses 942,953 992,085 995,506 1,133,200 1,131,199 Operating Income (Loss) with Depreciation 444,941 401,010 349,598 262,618 283,447 Operating Income without Depreciation 937,945 894,443 884,242 814,306 833,803 $- $200,000 $400,000 $600,000 $800,000 $1,000,000 $1,200,000 $1,400,000 $1,600,000 Sanitary Sewer Fund 20 City of St. Joseph Financial Analysis Refuse Fund The following graph displays selected financial data for the Refuse Fund for the past five years. The Fund consistently showed an operating loss each year. Operating revenues increased $25,569, or 7.1%, while operating expenses increased $22,241, or 6%, from 2021 to 2022. The increase in revenues was due to an increase in rates in 2022. Expenses increased due to increased fees from their waste collection company. These changes resulted in an operating loss of $5,769 for 2022. The Fund produced an operating loss of $5,654 when depreciation is not considered, thus, the fund is not covering any depreciation expense. In addition to the operating activities of the fund, there were non-operating expenses of $5,565 which are mostly comprised of investment income losses. Transfers along with operating and non-operating activities resulted in a decrease in net position of $11,404. The cash balance decreased $11,017 in 2022 and totaled $196,647 at December 31, 2022. 2018 2019 2020 2021 2022 Operating Revenues $280,981 $297,500 $314,623 $359,675 $385,244 Operating Expenses 307,941 319,085 315,482 368,772 391,013 Operating Income (Loss) with Depreciation (26,960) (21,585) (859) (9,097) (5,769) Operating Income (Loss) without Depreciation (20,454) (15,079) (744) (8,982) (5,654) $(50,000) $- $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 Refuse Fund 21 City of St. Joseph Financial Analysis Storm Water Fund The Storm Water Fund showed operating losses in the previous four years presented with the current year generating operating income. Operating revenues increased $85,012, or 46.1%, from 2021 to 2022, due to an increase in rates. Operating expenses remained consistent with the prior year. The Storm Water Fund produced an operating income of $54,332 with depreciation and an operating income of $209,829 without depreciation expense. The operations of the Storm Water Fund covered 100% of depreciation expense in 2022. The Storm Water Fund also had net nonoperating revenues of $15,085, capital contributions totaling $46,210, and transfers out totaling $53,365. Fund activity resulted in an increase in net position of $62,262. The cash balance increased $95,460 in 2022 and totaled $360,488 at December 31, 2022. We recommend the City continue to monitor rates as well as operating expenses to ensure the Fund's profitability in the future. 2018 2019 2020 2021 2022 Operating Revenues $80,710 $167,456 $147,231 $184,603 $269,615 Operating Expenses 210,302 198,628 191,197 216,472 215,283 Operating (Loss) with Depreciation (129,592) (31,172) (43,966) (31,869) 54,332 Operating Income (Loss) without Depreciation (23,778) 77,696 94,657 123,629 209,829 $(150,000) $(100,000) $(50,000) $- $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 Storm Water Fund 22 City of St. Joseph Financial Analysis Street Light Utility The Street Light Utility Fund was opened during 2013 to track activity relating to the street light utility. The Street Light Utility Fund showed an operating income for the fifth year in a row. Operating revenues stayed consistent with the prior year, increasing only $519 from 2021 to 2022. Operating expenses increased $1,911 also staying consistent with 2021. The Street Light Utility Fund produced operating income of $16,578 The fund also reported non- operating expenses including investment income losses offset by special assessments, and other income totaling $2,760. Operating income along with non-operating expenses resulted in an increase in net position of $13,818. The cash balance increased $26,340 in 2022 and totaled $103,370 at December 31, 2022. 2018 2019 2020 2021 2022 Operating Revenues $76,625 $80,534 $82,418 $85,201 $85,720 Operating Expenses 70,890 56,127 66,156 67,231 69,142 Operating Income (Loss)5,735 24,407 16,262 17,970 16,578 $- $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 Street Light Utility 23 City of St. Joseph Emerging Issues Executive Summary The following is an executive summary of financial and business related updates to assist you in staying current on emerging issues in accounting and finance. This summary will give you a preview of the new standards that have been recently issued and what is on the horizon for the near future. The most recent and significant updates include:  Accounting Standard Update – GASB Statement No. 96 – Subscription-Based Information Technology Arrangements GASB has issued GASB Statement No. 96 relating to accounting and financial reporting for subscription-based information technology arrangements. The requirements of this Statement will improve financial reporting by establishing a definition for subscription-based information technology arrangements and providing uniform guidance for accounting and financial reporting for transactions that meet that definition.  Accounting Standard Update – GASB Statement No. 100 – Accounting Changes and Error Corrections GASB has issued GASB Statement No. 100 relating to accounting and financial reporting for accounting changes and error corrections. The requirements of this Statement will improve the clarity of the accounting and financial reporting requirements for accounting changes and error corrections, which will result in greater consistency in application in practice. In turn, more understandable, reliable, relevant, consistent, and comparable information will be provided to financial statement users for making decisions or assessing accountability.  Accounting Standard Update – GASB Statement No. 101 – Compensated Absences GASB has issued GASB Statement No. 101 relating to accounting and financial reporting for compensated absences. The unified recognition and measurement model in this Statement will result in a liability for compensated absences that more appropriately reflects when a government incurs an obligation. In addition, the model can be applied consistently to any type of compensated absence and will eliminate potential comparability issues between governments that offer different types of leave. The following is an extensive summary of the current updates. As your continued business partner, we are committed to keeping you informed of new and emerging issues. We are happy to discuss this issue with you further and its applicability to your City. Accounting Standard Update – GASB Statement No. 96 – Subscription-Based Information Technology Arrangements This Statement provides guidance on the accounting and financial reporting for subscription-based information technology arrangements (SBITAs) for government end users (governments). This Statement (1) defines a SBITA; (2) establishes that a SBITA results in a right-to-use subscription asset – an intangible asset – and a corresponding subscription liability; (3) provides the capitalization criteria for outlays other than subscription payments, including implementation costs of a SBITA; and (4) requires note disclosures regarding a SBITA. To the extent relevant, the standards for SBITAs are based on the standards established in Statement No. 87, Leases, as amended. 24 City of St. Joseph Emerging Issues Accounting Standard Update – GASB Statement No. 96 – Subscription-Based Information Technology Arrangements (Continued) A SBITA is defined as a contract that conveys control of the right to use another party's (a SBITA vendor's) information technology (IT) software, alone or in combination with tangible capital assets (the underlying IT assets), as specified in the contract for a period of time in an exchange or exchange-like transaction. The subscription term includes the period during which a government has a noncancellable right to use the underlying IT assets. The subscription term also includes periods covered by an option to extend (if it is reasonably certain that the government or SBITA vendor will exercise that option) or to terminate (if it is reasonably certain that the government or SBITA vendor will not exercise that option). Under this Statement, a government generally should recognize a right-to-use subscription asset – an intangible asset – and a corresponding subscription liability. A government should recognize the subscription liability at the commencement of the subscription term, – which is when the subscription asset is placed into service. The subscription liability should be initially measured at the present value of subscription payments expected to be made during the subscription term. Future subscription payments should be discounted using the interest rate the SBITA vendor charges the government, which may be implicit, or the government's incremental borrowing rate if the interest rate is not readily determinable. A government should recognize amortization of the discount on the subscription liability as an outflow of resources (for example, interest expense) in subsequent financial reporting periods. The subscription asset should be initially measured as the sum of (1) the initial subscription liability amount, (2) payments made to the SBITA vendor before commencement of the subscription term, and (3) capitalizable implementation costs, less any incentives received from the SBITA vendor at or before the commencement of the subscription term. A government should recognize amortization of the subscription asset as an outflow of resources over the subscription term. Activities associated with a SBITA, other than making subscription payments, should be grouped into the following three stages, and their costs should be accounted for accordingly:  Preliminary Project Stage, including activities such as evaluating alternatives, determining needed technology, and selecting a SBITA vendor. Outlays in this stage should be expensed as incurred.  Initial Implementation Stage, including all ancillary charges necessary to place the subscription asset into service. Outlays in this stage generally should be capitalized as an addition to the subscription asset.  Operation and Additional Implementation Stage, including activities such as subsequent implementation activities, maintenance, and other activities for a government's ongoing operations related to a SBITA. Outlays in this stage should be expensed as incurred unless they meet specific capitalization criteria. In classifying certain outlays into the appropriate stage, the nature of the activity should be the determining factor. Training costs should be expensed as incurred, regardless of the stage in which they are incurred. 25 City of St. Joseph Emerging Issues Accounting Standard Update – GASB Statement No. 96 – Subscription-Based Information Technology Arrangements (Continued) If a SBITA contract contains multiple components, a government should account for each component as a separate SBITA or nonsubscription component and allocate the contract price to the different components. If it is not practicable to determine a best estimate for price allocation for some or all components in the contract, a government should account for those components as a single SBITA. This Statement provides an exception for short-term SBITAs. Short-term SBITAs have a maximum possible term under the SBITA contract of 12 months (or less), including any options to extend, regardless of their probability of being exercised. Subscription payments for short-term SBITAs should be recognized as outflows of resources. This Statement requires a government to disclose descriptive information about its SBITAs other than short-term SBITAs, such as the amount of the subscription asset, accumulated amortization, other payments not included in the measurement of a subscription liability, principal and interest requirements for the subscription liability, and other essential information. GASB Statement No. 96 is effective for reporting periods beginning after June 15, 2022. Earlier application is encouraged. Information provided above was obtained from www.gasb.org. Accounting Standard Update – GASB Statement No. 100 – Accounting Changes and Error Corrections – an Amendment of GASB Statement No. 62 The primary objective of this Statement is to enhance accounting and financial reporting requirements for accounting changes and error corrections to provide more understandable, reliable, relevant, consistent, and comparable information for making decisions or assessing accountability. This Statement defines accounting changes as changes in accounting principles, changes in accounting estimates, and changes to or within the financial reporting entity and describes the transactions or other events that constitute those changes. As part of those descriptions, for (1) certain changes in accounting principles and (2) certain changes in accounting estimates that result from a change in measurement methodology, a new principle or methodology should be justified on the basis that it is preferable to the principle or methodology used before the change. That preferability should be based on the qualitative characteristics of financial reporting – understandability, reliability, relevance, timeliness, consistency, and comparability. This Statement also addresses corrections of errors in previously issued financial statements. This Statement prescribes the accounting and financial reporting for (1) each type of accounting change and (2) error corrections. This Statement requires that (a) changes in accounting principles and error corrections be reported retroactively by restating prior periods, (b) changes to or within the financial reporting entity be reported by adjusting beginning balances of the current period, and (c) changes in accounting estimates be reported prospectively by recognizing the change in the current period. The requirements of this Statement for changes in accounting principles apply to the implementation of a new pronouncement in absence of specific transition provisions in the new pronouncement. 26 City of St. Joseph Emerging Issues Accounting Standard Update – GASB Statement No. 100 – Accounting Changes and Error Corrections – an Amendment of GASB Statement No. 62 (Continued) This Statement also requires that the aggregate amount of adjustments to and restatements of beginning net position, fund balance, or fund net position, as applicable, be displayed by reporting unit in the financial statements. This Statement requires disclosure in notes to financial statements of descriptive information about accounting changes and error corrections, such as their nature. In addition, information about the quantitative effects on beginning balances of each accounting change and error correction should be disclosed by reporting unit in a tabular format to reconcile beginning balances as previously reported to beginning balances as restated. Furthermore, this Statement addresses how information that is affected by a change in accounting principle or error correction should be presented in required supplementary information (RSI) and supplementary information (SI). For periods that are earlier than those included in the basic financial statements, information presented in RSI or SI should be restated for error corrections, if practicable, but not for changes in accounting principles. GASB Statement No. 100 is effective for reporting periods beginning after June 15, 2023. Earlier application is encouraged. Information provided above was obtained from www.gasb.org. Accounting Standard Update – GASB Statement No. 101 – Compensated Absences The objective of this Statement is to better meet the information needs of financial statement users by updating the recognition and measurement guidance for compensated absences. That objective is achieved by aligning the recognition and measurement guidance under a unified model and by amending certain previously required disclosures. This Statement requires that liabilities for compensated absences be recognized for (1) leave that has not been used and (2) leave that has been used but not yet paid in cash or settled through noncash means. A liability should be recognized for leave that has not been used if (a) the leave is attributable to services already rendered, (b) the leave accumulates, and (c) the leave is more likely than not to be used for time off or otherwise paid in cash or settled through noncash means. Leave is attributable to services already rendered when an employee has performed the services required to earn the leave. Leave that accumulates is carried forward from the reporting period in which it is earned to a future reporting period during which it may be used for time off or otherwise paid or settled. In estimating the leave that is more likely than not to be used or otherwise paid or settled, a government should consider relevant factors such as employment policies related to compensated absences and historical information about the use or payment of compensated absences. However, leave that is more likely than not to be settled through conversion to defined benefit postemployment benefits should not be included in a liability for compensated absences. 27 City of St. Joseph Emerging Issues Accounting Standard Update – GASB Statement No. 101 – Compensated Absences (Continued) This Statement requires that a liability for certain types of compensated absences – including parental leave, military leave, and jury duty leave – not be recognized until the leave commences. This Statement also requires that a liability for specific types of compensated absences not be recognized until the leave is used. This Statement also establishes guidance for measuring a liability for leave that has not been used, generally using an employee's pay rate as of the date of the financial statements. A liability for leave that has been used but not yet paid or settled should be measured at the amount of the cash payment or noncash settlement to be made. Certain salary-related payments that are directly and incrementally associated with payments for leave also should be included in the measurement of the liabilities. With respect to financial statements prepared using the current financial resources measurement focus, this Statement requires that expenditures be recognized for the amount that normally would be liquidated with expendable available financial resources. This Statement amends the existing requirement to disclose the gross increases and decreases in a liability for compensated absences to allow governments to disclose only the net change in the liability (as long as they identify it as a net change). In addition, governments are no longer required to disclose which governmental funds typically have been used to liquidate the liability for compensated absences. GASB Statement No. 101 is effective for reporting periods beginning after December 15, 2023. Earlier application is encouraged. Information provided above was obtained from www.gasb.org. City of St. Joseph Stearns County, Minnesota Basic Financial Statements December 31, 2022 (THIS PAGE LEFT BLANK INTENTIONALLY) City of St. Joseph Table of Contents Elected Officials and Administration 1 Independent Auditor’s Report 2 Management’s Discussion and Analysis 5 Basic Financial Statements Government-Wide Financial Statements Statement of Net Position 26 Statement of Activities 28 Fund Financial Statements Balance Sheet – Governmental Funds 29 Reconciliation of the Balance Sheet to the Statement of Net Position – Governmental Funds 31 Statement of Revenues, Expenditures, and Changes in Fund Balances – Governmental Funds 32 Reconciliation of the Statement of Revenues, Expenditures, and Changes in Fund Balances to the Statement of Activities – Governmental Funds 34 Statement of Revenues, Expenditures, and Changes in Fund Balance – Budget and Actual – General Fund 35 Statement of Net Position – Proprietary Funds 36 Reconciliation of the Statement of Net Position – Business-Type Activities 37 Statement of Revenues, Expenses, and Changes in Fund Net Position – Proprietary Funds 38 Reconciliation of the Statement of Revenues, Expenses, and Changes in Net Position – Business-Type Activities 40 Statement of Cash Flows – Proprietary Funds 41 Notes to Basic Financial Statements 44 Required Supplementary Information Schedule of City’s Proportionate Share of Net Pension Liability General Employees Retirement Fund 81 Schedule of City’s Proportionate Share of Net Pension Liability Public Employees Police and Fire Retirement Fund 81 Schedule of City Contributions General Employees Retirement Fund 82 Schedule of City Contributions Public Employees Police and Fire Retirement Fund 82 Schedule of Changes in the Net Pension Liability and Related Ratios – Fire Relief Association 83 Schedule of City Contributions and Non-Employer Contributing Entities – Fire Relief Association 85 Notes to Required Supplementary Information 87 City of St. Joseph Table of Contents Supplementary Information Schedule of Revenues, Expenditures, and Changes in Fund Balance – Budget and Actual – General Fund 95 Combining Balance Sheet – Nonmajor Governmental Funds 97 Combining Statement of Revenues, Expenditures, and Changes in Fund Balances Nonmajor Governmental Funds 105 Report on Internal Control over Financial Reporting and on Compliance and Other Matters Based on an Audit of Financial Statements Performed in Accordance with Government Auditing Standards 114 Minnesota Legal Compliance 116 Schedule of Finding and Response on Internal Control 117 1 City of St. Joseph Elected Officials and Administration December 31, 2022 Elected Officials Position Term Expires Rick Schultz Mayor January 2023 Robert Loso Council Member January 2025 Kelly Beniek Council Member January 2025 Kevin Kluesner Council Member January 2023 Jon Hazen Council Member January 2023 Administration Therese Haffner City Administrator Appointed through October 2022 Jeff O'Neil Interim City Administrator Appointed Lori Bartlett Finance Director Appointed 2 Independent Auditor’s Report Honorable Mayor and Members of the City Council City of St. Joseph St. Joseph, Minnesota Report on the Audit of the Financial Statements Opinions We have audited the financial statements of the governmental activities, the business-type activities, each major fund, and the aggregate remaining fund information of City of St. Joseph, as of and for the year ended December 31, 2022, and the related notes to the financial statements, which collectively comprise City of St. Joseph’s basic financial statements as listed in the Table of Contents. In our opinion, the accompanying financial statements present fairly, in all material respects, the respective financial position of the governmental activities, the business-type activities, each major fund, and the aggregate remaining fund information of City of St. Joseph, as of December 31, 2022, and the respective changes in financial position and, where applicable, cash flows thereof and the respective budgetary comparison for the General Fund for the year then ended in accordance with accounting principles generally accepted in the United States of America. Basis for Opinions We conducted our audit in accordance with auditing standards generally accepted in the United States of America (GAAS) and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States. Our responsibilities under those standards are further described in the Auditor’s Responsibilities for the Audit of the Financial Statements section of our report. We are required to be independent of City of St. Joseph and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements relating to our audit. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinions. Emphasis of Matter – Implementation of GASB 87 The City has adopted new accounting guidance, Governmental Accounting Standards Board (GASB) Statement No. 87, Leases. Our opinion is not modified with respect to this matter. Responsibilities of Management for the Financial Statements The City of St. Joseph’s management is responsible for the preparation and fair presentation of the financial statements in accordance with accounting principles generally accepted in the United States of America, and for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error. 3 In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the City of St. Joseph’s ability to continue as a going, concern for one year beyond the financial statement date, including any currently known information that may raise substantial doubt shortly thereafter. Auditor’s Responsibilities for the Audit of the Financial Statements Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinions. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in accordance with GAAS and Government Auditing Standards will always detect a material misstatement when it exists. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control. Misstatements are considered material if there is a substantial likelihood that, individually or in the aggregate, they would influence the judgment made by a reasonable user based on the financial statements. In performing an audit in accordance with GAAS and Government Auditing Standards, we:  Exercise professional judgment and maintain professional skepticism throughout the audit.  Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures responsive to those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements.  Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of City of St. Joseph’s internal control. Accordingly, no such opinion is expressed.  Evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the overall presentation of the financial statements.  Conclude whether, in our judgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about City of St. Joseph’s ability to continue as a going concern for a reasonable period of time. We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit, significant audit findings, and certain internal control–related matters that we identified during the audit. Required Supplementary Information Accounting principles generally accepted in the United States of America require that the Management’s Discussion and Analysis, which follows this report letter, and Required Supplementary information as listed in the Table of Contents be presented to supplement the basic financial statements. Such information is the responsibility of management and, although not a part of the basic financial statements, is required by GASB, who considers it to be an essential part of financial reporting for placing the basic financial statements in an appropriate operational, economic, or historical context. 4 We have applied certain limited procedures to the Required Supplementary Information in accordance with auditing standards generally accepted in the United States of America, which consisted of inquiries of management about the methods of preparing the information and comparing the information for consistency with management’s responses to our inquiries, the basic financial statements, and other knowledge we obtained during our audit of the basic financial statements. We do not express an opinion or provide any assurance on the information because the limited procedures do not provide us with sufficient evidence to express an opinion or provide any assurance. Supplementary Information Our audit was conducted for the purpose of forming opinions on the financial statements that collectively comprise the City of St. Joseph’s basic financial statements. The accompanying supplementary information as listed in the Table of Contents is presented for purposes of additional analysis and is not a required part of the basic financial statements. Such information is the responsibility of management and was derived from and relates directly to the underlying accounting and other records used to prepare the basic financial statements. The information has been subjected to the auditing procedures applied in the audit of the basic financial statements and certain additional procedures, including comparing and reconciling such information directly to the underlying accounting and other records used to prepare the basic financial statements or to the basic financial statements themselves, and other additional procedures in accordance with auditing standards generally accepted in the United States of America. In our opinion, the accompanying supplementary information is fairly stated, in all material respects, in relation to the basic financial statements as a whole. Other Reporting Required by Government Auditing Standards In accordance with Government Auditing Standards, we have also issued our report dated June 21, 2023, on our consideration of the City of St. Joseph’s internal control over financial reporting and on our tests of its compliance with certain provisions of laws, regulations, contracts and grant agreements, and other matters. The purpose of that report is solely to describe the scope of our testing of internal control over financial reporting and compliance and the results of that testing, and not to provide an opinion on the effectiveness of internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the City of St. Joseph’s internal control over financial reporting and compliance. St. Cloud, Minnesota June 21, 2023 City of St. Joseph Management's Discussion and Analysis 5 As management of the City of St. Joseph, we offer readers of the City of St. Joseph's financial statements this narrative overview and analysis of the financial activities of the City of St. Joseph for the fiscal year ended December 31, 2022. FINANCIAL HIGHLIGHTS Key financial highlights for 2022 include the following:  The assets and deferred outflows of resources of the City of St. Joseph exceeded its liabilities and deferred inflows of resources at the close of the most recent fiscal year by $46,475,140. Of this amount, $6,705,515 may be used to meet government's ongoing obligations to citizens and creditors (unrestricted net position).  The City of St. Joseph's total net position increased by $1,230,539 from 2021 to 2022. The individual funds with the largest increase in net position include the water and sewer funds, resulting in over 50% of the increase in net position.  As of the close of the current fiscal year, the City of St. Joseph's governmental funds reported combined ending fund balances of $16,715,793, an increase of $5,482,644. Of this amount $2,191,328 is unassigned for spending at the City's discretion. The remaining balance of $14,524,465 is set aside for specific future expenditures. The largest contributors for the increase in fund balance include the general fund, St. Joseph Community Center/YMCA project fund and the state collected sales tax fund. The general fund contains budgeted reserves included in the 5- year capital planning. The community center/YMCA project issued bonds in 2022; however, much of the construction will be completed in 2024. The state collected sales tax fund also resulted in an increase in fund balance by $595,560 with half cent sales tax collections exceeding expectations in 2022. This fund is included in the combined Other Governmental Funds.  At the end of the current fiscal year, unassigned fund balance for the general fund was $2,208,806 or 53% of the total 2023 general fund expenditure budget. The city's goal is 4-6 months of the following year expenditure budget; 2022 ended at six months working capital.  The City of St. Joseph's total long-term bonded debt increased by $3,821,803 during the current fiscal year. The City had five debts paid in full, and issued one new debt for three projects including the St. Joseph Community Center/YMCA, 2022 street improvements and a new pumper/tanker fire truck.. OVERVIEW OF THE FINANCIAL STATEMENTS This discussion and analysis are intended to serve as an introduction to the City of St. Joseph's basic financial statements. The City of St. Joseph's basic financial statements are comprised of three components: 1) government-wide financial statements, 2) fund financial statements and 3) notes to the financial statements. This report also contains other supplementary information in addition to the basic financial statements themselves. Government-Wide Financial Statements. The government-wide financial statements are designed to provide readers with a broader overview of the City of St. Joseph's finances, in a manner similar to a private-sector business. City of St. Joseph Management's Discussion and Analysis 6 OVERVIEW OF THE FINANCIAL STATEMENTS (CONTINUED) Government-Wide Financial Statements. (Continued) The Statement of Net Position presents information on all of the City of St. Joseph's assets and deferred outflows of resources and liabilities, and deferred inflows of resources with the difference between the four reported as net position. Over time, increases or decreases in net position may serve as a useful indicator of whether the financial position of the City of St. Joseph is improving or deteriorating. The Statement of Activities presents information showing how the City's net position changed during the most recent fiscal year. All changes in net position are reported as soon as the underlying event giving rise to the change occurs, regardless of the timing of related cash flows. Thus, revenues and expenses are reported in this statement for some items that will only result in cash flows in future fiscal periods (e.g., uncollected taxes and earned but unused vacation leave). Both the government-wide financial statements distinguish functions of the City of St. Joseph that are principally supported by taxes and intergovernmental revenues (governmental activities) from other functions that are intended to recover all or a significant portion of their costs through user fees and charges (business-type activities). The governmental activities of the City of St. Joseph include general government, public safety, public works, economic development, culture and recreation, and interest on long-term debt. The business-type activities of the City of St. Joseph include water, sanitary sewer, refuse, storm water and street light utility services. The government-wide financial statements include not only the City of St. Joseph itself (known as the primary government), but also a legally separate Economic Development Authority. Financial information for this component unit is blended in the financial information. The government-wide financial statements can be found on pages 26-28 of this report. Fund Financial Statements. A fund is a grouping of related accounts that is used to maintain control over resources that have been segregated for specific activities or objectives. The City of St. Joseph, like other state and local governments, utilize fund accounting to ensure and demonstrate compliance with finance-related legal requirements. All of the funds of the City of St. Joseph can be divided into one of the following two categories: governmental funds and proprietary funds. Governmental Funds. Governmental funds are used to account for essentially the same functions reported as governmental activities in the government-wide financial statements. However, unlike the government-wide financial statements, governmental fund financial statements focus on near-term inflows and outflows of spendable resources, as well as on balances of spendable resources available at the end of the fiscal year. Such information may be useful in evaluating a government's near-term financing requirements. City of St. Joseph Management's Discussion and Analysis 7 OVERVIEW OF THE FINANCIAL STATEMENTS (CONTINUED) Governmental Funds. (Continued) Because the focus of governmental funds is narrower than that of the government-wide financial statements, it is useful to compare the information presented for governmental funds with similar information presented for governmental activities in the government- wide financial statements. By doing so readers may better understand the long-term impact of the government's near-term financing decisions. Both the governmental fund balance sheet and the governmental fund statement of revenues, expenditures, and changes in fund balances provide a reconciliation to facilitate this comparison between governmental funds and government-wide governmental activities. The City of St. Joseph maintains forty-two individual governmental funds. Information is presented separately in the governmental fund balance sheet and in the governmental fund statement of revenues, expenditures and changes in fund balances for the general fund, G.O. industrial park bonds of 2021A fund, G.O. tax abatement bonds of 2015B fund, and St. Joseph Community Center/YMCA project fund which are considered to be major funds. Data from the other governmental funds are combined into a single, aggregated presentation. Individual fund data for each of these non-major governmental funds is provided in the form of combining statements elsewhere in this report. The City of St. Joseph adopts an annual appropriated budget for its general fund. A budgetary comparison statement has been provided for this fund on page 35 to demonstrate compliance with the budget. The basic governmental fund financial statements can be found on pages 29-34 of this report. Proprietary Funds. The City of St. Joseph maintains proprietary funds that are used to report the same functions presented as business-type activities in the government-wide financial statements. The City of St. Joseph uses proprietary funds to account for its water, sanitary sewer, refuse, storm water and street light utility activities. Proprietary funds provide the same type of information as the government-wide financial statements, only in more detail. The proprietary fund financial statements provide separate information for the water, sanitary sewer, refuse, storm water and street light utility, all of which are considered to be major funds of the City of St. Joseph. The basic proprietary fund financial statements can be found on pages 36-42 of this report. Notes to the Financial Statements. The notes provide additional information that is essential to a full understanding of the data provided in the government-wide and fund financial statements. The notes to the financial statements can be found on pages 44-79 of this report. Other Information. The required supplementary information (pages 81-93) and supplemental information including the combined statements referred to earlier in connection with non-major governmental funds can be found on pages 95-112 of this report. Comparative Data. While comparative data is not illustrated in this report, comments throughout this narrative and overview will discuss significant changes from the prior year. City of St. Joseph Management's Discussion and Analysis 8 GOVERNMENT-WIDE FINANCIAL ANALYSIS As noted earlier, net position may serve over time as a useful indicator of a government's financial position. In the case of the City of St. Joseph, assets and deferred outflows of resources exceeded liabilities and deferred inflows of resources by $46,475,140 at the close of the most recent fiscal year. By far the largest portion of the City of St. Joseph's net position reflects its investment in capital assets (e.g., land, buildings, machinery, and equipment) net accumulated depreciation, less any related debt used to acquire those assets that is still outstanding. The City of St. Joseph utilizes these capital assets to provide services to citizens; consequently, these assets are not available for future spending. Although, the City of St. Joseph's investment in its capital assets is reported net of related debt, it should be noted that the resources needed to repay this debt must be provided from other sources, since the capital assets themselves cannot be used to liquidate these liabilities. 2022 2021 2022 2021 2022 2021 Assets Current and other assets 21,494,469$ 17,509,912$ 5,622,221$ 3,558,085$ 27,116,690$ 21,067,997$ Capital assets, net 19,029,339 18,078,155 33,426,247 34,346,256 52,455,586 52,424,411 Total assets 40,523,808 35,588,067 39,048,468 37,904,341 79,572,276 73,492,408 Deferred Outflows of Resources Deferred outflows of resources related to pensions 2,399,691 1,366,961 114,232 147,084 2,513,923 1,514,045 Total deferred outflows 2,399,691 1,366,961 114,232 147,084 2,513,923 1,514,045 Liabilities Current liabilities 1,332,697 1,442,095 1,708,522 213,532 3,041,219 1,655,627 Long-term liabilities 24,705,062 17,489,199 7,619,837 8,613,128 32,324,899 26,102,327 Total liabilities 26,037,759 18,931,294 9,328,359 8,826,660 35,366,118 27,757,954 Deferred Inflows of Resources Deferred inflows of resources related to debt 9,515 11,895 14,623 18,140 24,138 30,035 Deferred inflows of resources related to leases 12,402 - 111,618 - 124,020 - Deferred inflows of resources related to pensions 91,807 1,727,526 4,976 176,853 96,783 1,904,379 Total deferred inflows 113,724 1,739,421 131,217 194,993 244,941 1,934,414 Net Position Net investment in capital assets 8,714,573 7,728,613 26,286,102 26,037,429 32,233,696 30,582,502 Restricted 7,535,929 7,998,702 - - 7,535,929 7,998,702 Unrestricted 521,514 556,998 3,417,022 2,992,343 6,705,515 6,732,881 Total net position 16,772,016$ 16,284,313$ 29,703,124$ 29,029,772$ 46,475,140$ 45,314,085$ Governmental Activities Business-Type Activities Total NET POSITION City of St. Joseph Management's Discussion and Analysis 9 GOVERNMENT-WIDE FINANCIAL ANALYSIS (CONTINUED) An additional portion of the City of St. Joseph's net position (16%) represents resources that are subject to external restrictions on how they may be used. The remaining balance of unrestricted net position is a surplus of $6,705,515, or a surplus of $3,938,536 after removing the unrestricted portion of governmental debt for enterprise assets. The surplus is largely the result of the increase in cash and investments from unspent bond proceeds. At the end of the current fiscal year, the City of St. Joseph is able to report positive balances in all three categories of net position for the government as a whole, as well as for its separate business-type and governmental activities. Governmental Activities. The governmental activities change in net position balance increased $487,703. The City's investment in capital assets, net related debt increased $985,960. Restricted net position decreased $462,773. The unrestricted net position resulted in a net position of $521,514, a decrease of $35,484 from last year. As a liquidity indicator, the cash and investment position increased 47% in 2022. The main increase is from unspent 2022A bond proceeds. The proceeds will cover costs of a pumper/tanker fire truck in 2023 and the St. Joseph Community Center/YMCA in 2024. The bonded debt increased in 2022 by $4,573,535 with the 2022A bond issue. The City paid off five debts in 2022, three of which were early defeasances. The amount paid off is less than the 2022A bond issue. In addition, GASB requires investments to be marked to current market value in the reporting year. In 2022, the market adjustment was negative and resulted in negative interest earnings of $354,466 in the governmental activities. Interest earnings is reported as unrestricted net position. Business-Type Activities. There was a 3% increase in the total net position for the business-type activities. The increase is due to paying down bonds and notes, and increase in net capital assets. The full value of the assets is netted against the bonds and notes payable. Also, plant and lines increased with contributions from the governmental funds increasing the business-type net position $263,815. The sewer fund received $1,449,288 from the City of Foley to purchase wastewater treatment from St. Joseph. The reimbursement will be used in future years for sewer expansions and minimizing increases in future sewer rates. The City of Foley plans to connect to the St. Cloud wastewater facility in 2023. At the time of connection, St. Joseph will realize the capacity purchase from 2022. Finally, the water, sewer and storm water funds recorded a prior period adjustment totaling $69,484. The adjustment was necessary to properly allocate construction costs from the 2021 street and utility improvements. The construction in progress capital contributions recorded in 2021 were overstated in the water and sewer funds and understated in the storm water fund. The 2021 street and utility improvement project was completed in 2022 with the depreciable assets added to plants and lines in these funds. The graph and charts on the following pages summarize and graphically depict the changes in net position for the governmental and business-type activities. City of St. Joseph Management's Discussion and Analysis 10 GOVERNMENT-WIDE FINANCIAL ANALYSIS (CONTINUED) Change in Net Position 2022 2021 2022 2021 2022 2021 Revenues Program Revenues Charges for services 732,955$ 728,965$ 3,654,802$ 3,328,001$ 4,387,757$ 4,056,966$ Operating grants and contributions 233,771 317,714 26,677 11,529 260,448 329,243 Capital grants and contributions 1,220,598 1,586,424 205,309 336 1,425,907 1,586,760 General Revenues Property taxes 3,290,248 2,976,605 10 249 3,290,258 2,976,854 Tax increments 151,291 150,078 - - 151,291 150,078 Sales taxes 649,225 580,596 - - 649,225 580,596 Franchise fees 140,259 137,382 - - 140,259 137,382 Lodging taxes 15,757 9,608 - - 15,757 9,608 Miscellaneous taxes 731 2,989 - - 731 2,989 State aids 1,252,968 1,211,093 - - 1,252,968 1,211,093 Unrestricted investment earnings (354,466) 37,600 (104,018) 4,707 (458,484) 42,307 Gain on disposal of assets 35,012 - - - 35,012 - Total revenues 7,368,349 7,739,054 3,782,780 3,344,822 11,151,129 11,083,876 Expenses General government 1,203,531 1,139,857 - - 1,203,531 1,139,857 Public safety 2,528,353 1,922,977 - - 2,528,353 1,922,977 Public works 1,590,794 1,464,510 - - 1,590,794 1,464,510 Economic development 271,353 326,642 - - 271,353 326,642 Culture and recreation 843,718 1,742,825 - - 843,718 1,742,825 Interest on long-term debt 500,353 386,579 - - 500,353 386,579 Water - - 1,085,920 1,011,714 1,085,920 1,011,714 Sanitary sewer - - 1,221,130 1,230,161 1,221,130 1,230,161 Refuse - - 391,013 368,772 391,013 368,772 Storm water - - 215,283 216,472 215,283 216,472 Street light utility - - 69,142 67,231 69,142 67,231 Total expenses 6,938,102 6,983,390 2,982,488 2,894,350 9,920,590 9,877,740 Increase (decrease) in net position before transfers 430,247 755,664 800,292 450,472 1,230,539 1,206,136 Transfers 57,456 (1,145,619) (57,456) 1,145,619 - - Change in net position 487,703 (389,955) 742,836 1,596,091 1,230,539 1,206,136 Net Position Net position - beginning 16,284,313 16,674,268 29,029,772 27,433,681 45,314,085 44,107,949 Prior period adjustment - - (69,484) - (69,484) - Net position - beginning restated 16,284,313 16,674,268 28,960,288 27,433,681 45,244,601 44,107,949 Net position - ending 16,772,016$ 16,284,313$ 29,703,124$ 29,029,772$ 46,475,140$ 45,314,085$ Governmental Activities Business-Type Activities Total City of St. Joseph Management's Discussion and Analysis 11 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 General Government Public Safety Public Works Economic Development Culture and Recreation Interest on Long‐ Term Debt PROGRAM REVENUES AND EXPENSES GOVERNMENTAL ACTIVITIES Revenues Expenses General Government 3% Public Safety 12% Public Works 13% Economic Development 1% Culture and Recreation 1% General Revenues 70% REVENUES BY  SOURCE ‐GOVERNMENTAL ACTIVITIES City of St. Joseph Management's Discussion and Analysis 12 0 200,000 400,000 600,000 800,000 1,000,000 1,200,000 1,400,000 1,600,000 1,800,000 Water Sanitary Sewer Refuse Storm Water Street Light Utility PROGRAM REVENUES AND EXPENSES BUSINESS‐TYPE ACTIVITIES Revenues Expenses Storm Water 8% Street Light Utility 2% Refuse 10% Water 37% General Revenues ‐3% Sanitary Sewer 40% REVENUES BY  SOURCE ‐BUSINESS‐TYPE ACTIVITIES City of St. Joseph Management's Discussion and Analysis 13 FINANCIAL ANALYSIS OF THE CITY'S FUNDS AT THE FUND LEVEL Governmental Funds. The financial performance of the City of St. Joseph as a whole is reflected in its governmental funds as well. As the City completed the fiscal year 2022, its governmental funds reported a combined fund balance of $16,715,793, an increase of $5,482,644 from 2021. Revenues for the City's governmental funds were $8,632,942, while expenditures were $10,974,648. The excess of expenditures over revenues is largely attributed to the early defeasance of the 2015B G.O. tax abatement bonds and construction costs relating to the 2022 street improvements. The improvements are paid mainly from bond proceeds that are reported as other financing sources. After adding other financing sources and uses, the net change in fund balance resulted in the increase mainly from 2022A bond proceeds. By removing the 2022 construction fund, governmental revenues exceeded expenditures by $5,482,644. The major funds will be discussed further below. Other governmental non-major funds ended the year with a $825,387 increase in fund balances, and a decrease of $1,196,984 before other financing sources. A couple non-major funds to recognize are the G.O. improvement bonds of 2010B and 2015A, and state collected sales tax fund. The bond funds were called early with available cash saving future interest payments. The state collected sales tax fund received $649,225 in local option sales tax revenues in 2022. The sales tax is used for projects approved by state statute and voted on by referendum in the community. The revenues are reserved for future projects such as the East Park development and community center. Current projects expended with local option sales tax includes the community center/YMCA bonds and the Field Street bonds. The 2021 and 2022 street improvement projects completed most of their project expenditures in 2022 resulting in a reduction of fund balances. A summary of financial highlights for each major governmental fund follows. General Fund The general fund is the chief operating fund of the City of St. Joseph. At the end of the current fiscal year, unassigned fund balance of the general fund was $2,208,806, an increase of $126,137. As a measure of the general fund's liquidity, it may be useful to compare both unassigned fund balance to total fund expenditures. Unassigned fund balance represents 53% (6.3 months) working capital and 47% (5.6 months) compared to the budgeted 2022 expenditures. The City Council has adopted a financial policy which includes a goal to maintain the general fund working capital fund balance equal to 4-6 months of expenditures. The excess unassigned fund balance can be attributed to budgeted and unspent 5-year capital budget reserves, budgeting conservatively for grants and aids, higher than anticipated building and development fees. General fund revenues exceeded budgeted amounts by $61,996. The largest variance came from licensing and permitting revenues. Development and building permit fees are budgeted conservatively. In 2022, the city issued 1,087 building permits. In a typical year, the city issues about 300 commercial and residential permits. The city experienced a hail storm in spring 2022 resulting in several re-shingling and re-siding permits. Development was also better than anticipated with new homes, commercial and redevelopment permits. Investment income shows an unrealized loss on investments held to maturity. The unrealized loss is a function of rising interest rates. Interest receipts were less than the unrealized losses reported. The income is under budget by $148,653. General fund expenditures were under budget by $174,537. The City of St. Joseph established a five- year capital plan where funds were set aside each year for future purchases. The capital outlay City of St. Joseph Management's Discussion and Analysis 14 FINANCIAL ANALYSIS OF THE CITY'S FUNDS AT THE FUND LEVEL (CONTINUED) General Fund (Continued) expenditures will report over or under budget each year depending upon when capital equipment is purchased. In 2022 total capital outlay reported over-spent by $26,076. In addition, general government expenditures reported over budget by $37,105. As staffing policies were reviewed, the addition of a full- time Administrative Assistant was added in September 2022. There also was staff turnover in this category in 2022 with the City Administrator and Finance Technician resigning. An interim City Administrator was hired in October 2022 and a gap of employment of three months for the Finance Technician position. The culture and recreation category under-spent its operational budget by $204,065. The City of St. Joseph contracted with Kinetic for the community center capital campaign. Most of the contract was shown in the 2022 budget but will extend through 2023. The general fund budget also included an estimate for employee severance payments in streets and parks. The only severance payments came from the police and administrative departments for a police sergeant who retired and City Administrator who resigned in 2022. The result in streets and parks will reflect budget savings, police and administrative expenditures will show over-expended. A large difference in all general fund programs is the health insurance budget. The City of St. Joseph budgets for family premiums even though some employees opt for single or no coverage through the City's plan. The difference in the budget to actual is transferred internally to the employee retirement reserve fund. As a result of the prudent financial policies of the City, the general fund remained stable. The schedule below presents a summary of general fund revenues and expenditures. December 31, December 31, Increase Percent Revenues 2022 2021 (Decrease) Change Taxes and franchise fees 2,243,201$ 2,252,893$ (9,692)$ 0% Special assessment 4,891 57,840 (52,949) -92% Licenses and permits 307,357 151,811 155,546 102% Intergovernmental 1,883,220 1,570,692 312,528 20% Charges for services 53,057 98,913 (45,856) -46% Fines and forfeitures 78,924 87,381 (8,457) -10% Miscellaneous (32,465) 63,651 (96,116) -151% Total General fund revenue 4,538,185$ 4,283,181$ 255,004$ 6% December 31, December 31, Increase Percent Expenditures 2022 2021 (Decrease) Change General government 1,159,390$ 1,083,252$ 76,138$ 7% Public safety 2,004,358 1,750,717 253,641 14% Public works 827,687 466,073 361,614 78% Culture and recreation 575,063 376,312 198,751 53% Total General fund expenditures 4,566,498$ 3,676,354$ 890,144$ 24% City of St. Joseph Management's Discussion and Analysis 15 FINANCIAL ANALYSIS OF THE CITY'S FUNDS AT THE FUND LEVEL (CONTINUED) General Fund Budgetary Highlights Over the course of the year, the City of St. Joseph made one amendment to the annual operating budget. Historically, the City has minimal budget amendments during the budget year. The amendment was to adjusting budget line items between streets and parks. The overall general fund budget did not change, just reallocated between line items in these two functions. A description of the budget to actual variances were described on the previous two pages.  Actual revenues were $61,996 more than budgeted.  Actual expenditures were $174,537 less than budget.  After other financing sources and uses, the general fund ended the year with a $172,938 reduction in the fund balance. This is better than budgeted projections. The City anticipated spending down $230,231 in reserved fund balances. This is a positive budget variance of $57,293. Proprietary Funds. The City of St. Joseph's proprietary fund statements provide the same type of information found in the government-wide financial statements, but in more detail. The unrestricted net position of the proprietary funds increased $767,907 overall. The following five paragraphs provide a brief financial overview of each major proprietary fund. Water Enterprise Fund The water fund is used to account for the operations of the city's water utility. In 2022, the water fund's net position increased $346,372. Before transfers and capital contributions, the operating income reported a $100,815 surplus. The change in net position includes depreciation of $455,628. The water operating revenues are covering 100% of the depreciation. Bonded debt payments in the water fund totaled $615,506. Debt payments are covered by water rates, debt levy, water connection and trunk fees, and transfers from the sewer fund. Water rates have been incrementally increased over the past few years to cover operational costs as well as water related debt. The current rates are sufficient for the water fund operations and debt costs. In 2022, the water fund made the final debt payment for the 2017B water revenue bonds that paid for upgrades to water treatment plant #1. Water revenues are set aside for future improvements such as required maintenance on the current water tower and adding a second water tower to the utility system. Water connections can dip in down economic times. Having water reserves can level rate adjustments and help weather difficult economic times. Connections in 2022 were up with new development. Rates are reviewed annually as part of the budget adoption. Sanitary Sewer Enterprise Fund The sanitary sewer fund is used to account for the operations of the city's sanitary sewer utility. In 2022, the sanitary sewer fund's net position increased $356,859 and realized $283,447 in operating income. User fees are covering 100% of the depreciation, and 100% of the non-operating revenues and expenses. As a contract user of the St. Cloud Wastewater Treatment Facility, St. Joseph is obligated to pay a portion of the costs to maintain the plant and conveyance system. St. Joseph issued four notes with the City of St. Cloud for various facility and conveyance projects. The debt costs are paid with reserved Sewer Access Charges (SAC), trunk fees and sewer usage rates. The development fees through 2022 assisted in covering debt costs. As a result, rate increases have slowed down to a more average increase (1-3%) after a few years of significant user rate increases. Rates are reviewed annually as part of the budget adoption. The City of Foley purchased sewer treatment capacity from St. Joseph in 2022. City of St. Joseph Management's Discussion and Analysis 16 FINANCIAL ANALYSIS OF THE CITY'S FUNDS AT THE FUND LEVEL (CONTINUED) Refuse Enterprise Fund The refuse fund is used to account for the contract services to provide residential refuse, recycling, and compost services. The refuse fund ended 2022 with a net position of $219,490, a decrease of $11,404. The city council opted to under-fund the costs to operate the refuse and compost programs by using unused net position to cover the difference for a few years to offset other utility user fee increases. The overall net position is healthy and was able to manage the lower increases in user fees. Storm Water Enterprise Fund The storm water fund is used to account for the operations of the city's storm water utility. In 2022, the storm water fund's net position increased $62,262; an increase of $69,417 before capital contributions and transfers. The storm water fund realized an operating income of $54,332, covering 100% depreciation. In 2018 the city council opted to reduce the storm water usage rates by half in order to accommodate increases in other utilities. The rates are being stepped up to get closer to covering costs with 2022 the first year showing operational and non-operational solvency. Nominal increases are expected in the future to continue covering operating and nonoperating costs. In addition, the storm water fund received $46,210 in capital contributions to assist in the increased net position of the fund. Street Light Utility Enterprise Fund The street light utility fund is used to account for the operations of the city's street lighting. As of December 31, 2022, the street light utility fund's change in net position increased $13,818, and an operating income of $16,578. The city council kept rates the same since charges are covering expenses and the fund balance is healthy. The street light utility fund also covers expenses for holiday lights on the street lights and other utility poles along Minnesota Street and College Avenue. Overall, the net position of the street light utility fund has grown to $108,259 since splitting from the general fund in 2013. CAPITAL ASSETS AND DEBT ADMINISTRATION Capital Assets The capital assets include land, intangible assets, buildings, improvements, machinery and equipment, infrastructure, easements, plant and lines, sewer rights, and construction in progress. The City of St. Joseph's net capital assets for its governmental and business-type activities as of December 31, 2022, amounts to $52,455,586 (net of accumulated depreciation), an increase of $31,175. The slight increase in net capital assets was attributed to street and utility improvements with only replacing a few old infrastructure assets. The cost of the infrastructure several decades ago was much less than current costs; therefore, the City will realize increases in capital asset values. In addition, construction is progress decreased $1,315,075. Construction in progress is not depreciated. When completed, depreciation is netted with asset costs, decreasing the net capital assets. Net investment in capital assets increased $1,651,195 with the asset additions. City of St. Joseph Management's Discussion and Analysis 17 CAPITAL ASSETS AND DEBT ADMINISTRATION (CONTINUED) Capital Assets (Continued) The table below is a summary of the City of St. Joseph's capital assets. Additional information on the City of St. Joseph's capital assets can be found in Note 6 beginning on page 57 of this report. Total depreciation expense for 2022 was $2,585,545. Long-Term Liabilities The City of St. Joseph's long-term liabilities includes bonded debt, notes payables, compensated absences, and net pension liability. Overall, the long-term liabilities totaled $32,324,899 as of December 31, 2022, an increase of $6,222,572. The City of St. Joseph issued one debt (three parts) and paid five debts in full. The debt issuance amount was larger than the amounts defeased. The bonds and notes liabilities increased $3,404,853. The 2022A bonds totaled $7,405,000. The final principal paid in the five debts paid in full amounted to $1,898,000. A large portion of the 2022A debt issue is a portion of debt used for the future St. Joseph Community Center/YMCA. Of the debts paid in full, the 2015B G.O. tax abatement bonds were defeased early with the sell proceeds of Colts Academy from 2021. The call date on the 2015B debt was December 1, 2022. At the end of the current fiscal year, the City of St. Joseph had total net bonded debt outstanding of $23,752,383. Of this amount, $20,601,913 comprises debt backed by the full faith and credit of the government. The remainder of the City of St. Joseph's debt represents bonds and notes secured by specified revenue sources (i.e., utility bonds). Other long-term debt includes compensated absences payable and net pension liabilities. 2022 2021 2022 2021 2022 2021 Land 762,197$ 762,197$ 377,882$ 377,882$ 1,140,079$ 1,140,079$ Easements 331,093 200,085 67,915 67,915 399,008 268,000 Construction in progress 1,329,872 1,333,706 187,548 1,498,789 1,517,420 2,832,495 Improvements 1,411,545 1,377,030 289,760 289,760 1,701,305 1,666,790 Infrastructure 27,912,714 26,027,162 - - 27,912,714 26,027,162 Buildings 7,299,059 7,299,059 8,797,686 8,797,686 16,096,745 16,096,745 Intangible assets 200,000 200,000 - - 200,000 200,000 Plant and lines - - 28,460,768 27,068,783 28,460,768 27,068,783 Sewer rights - - 10,977,565 10,977,565 10,977,565 10,977,565 Machinery and equipment 4,668,429 4,441,111 1,150,595 1,143,827 5,819,024 5,584,938 Less: accumulated depreciation (24,885,570) (23,562,195) (16,883,472) (15,875,951) (41,769,042) (39,438,146) Total net capital assets 19,029,339$ 18,078,155$ 33,426,247$ 34,346,256$ 52,455,586$ 52,424,411$ Governmental Activities Business-Type Activities Total CAPITAL ASSETS City of St. Joseph Management's Discussion and Analysis 18 CAPITAL ASSETS AND DEBT ADMINISTRATION (CONTINUED) Long-Term Liabilities (Continued) Compensated absences decreased $35,172 in 2022. The City had one tenured employee retire and the City Administrator resigned in 2022. Both employees received a pay out of their unused accrued compensated absences. The sergeant replacement was promoted at a lower wage and has lower accumulated accruals. The City Administrator was not replaced until 2023. The City did add two full- time positions in 2022. The employees did not accrue many compensated absence hours in 2022. Net pension liability accounts for the City's portion of the Public Employees Retirement Association of Minnesota (PERA). As per Minnesota Statutes, the City is required to participate in the PERA program. The City's share of the liability fluctuates each year based on law changes and funding levels. For 2022, the net pension liability increased $2,852,891. An illustration of the city's long-term liabilities is included in the table below. Increase Percent 2022 2021 (Decrease) Change Governmental Activities General obligation bonds 4,753,056$ 4,577,278$ 175,778$ 4% General obligation special assessment bonds 9,332,397 10,268,071 (935,674) -9% General obligation abatement bonds 6,516,460 1,183,029 5,333,431 451% Compensated absences payable 479,191 529,304 (50,113) -9% Net pension liability 3,623,958 931,517 2,692,441 289% Total governmental activities 24,705,062$ 17,489,199$ 7,215,863$ 41% Increase Percent 2022 2021 (Decrease) Change Business-Type Activities General obligation revenue bonds 3,150,470$ 3,902,202$ (751,732)$ -19% Notes payable 3,989,675 4,406,625 (416,950) -9% Compensated absences payable 130,183 115,242 14,941 13% Net penion liability 349,509 189,059 160,450 85% Total business-type activities 7,619,837$ 8,613,128$ (993,291)$ -12% OUTSTANDING LONG-TERM LIABILITIES The City of St. Joseph issued $620,000 general obligation special assessment bonds, series 2022A in fall 2022. The bonds paid for the 2022 street overlays improvements in the Graceview development, 17th Ave SE, 18th Ave SE, portion of Baker St and 1st Ave NW. A second part of the 2022A series bonds was issued to finance a new pumper/tanker fire truck. The equipment certificates totaled $660,000. The City issued $6,125,000 general obligation tax abatement bonds, series 2022A to construct the St Joseph Community Center/YMCA. City of St. Joseph Management's Discussion and Analysis 19 CAPITAL ASSETS AND DEBT ADMINISTRATION (CONTINUED) Long-Term Liabilities (Continued) In spring 2021 the City of St. Joseph sold Colts Academy. The building had an outstanding debt at the time of the sale that is not callable until December 1, 2022. The City placed the sales proceeds and remaining portion of local option sales tax in an escrow account to pay in full the general obligation abatement bonds, series 2015B on the call date. The early defeasance will result in an interest savings of $143,588. The City of St. Joseph maintained their bond rating AA-/Stable from S&P Global on the 2022A bond issue and reaffirmed their AA-/Stable rating on their previous bond ratings. The report stated St. Joseph has maintained a healthy financial performance including four consecutive years of positive operation, ample budgetary flexibility in line with fund balance policy, and very strong liquidity with total governmental available cash after adjusting or unspent bond proceeds. S&P Global's assessment reflects the City's access to a broad and diverse MSA population, strong financial management, adequate budget performance, very strong budgetary flexibility, and very strong liquidity. The debt and contingent liabilities of the City were rated weak with high debt service fixed costs, but rapid amortization, with 83% of debt scheduled to be retired in 10 years. Minnesota Statutes limit the amount of net general obligation debt a governmental entity may issue to 3% of its taxable market value. Net general obligation debt is debt solely paid for, with limited exceptions, by ad valorem taxes. The current debt limitation for the City of St. Joseph is $15,958,257 which significantly exceeds the outstanding pure general obligation debt of $5,002,000. Additional information on the City's long-term liabilities can be found in Note 7 beginning on page 59 of this report. ECONOMIC FACTORS AND NEXT YEAR'S BUDGETS AND RATES The past few years have been exciting in the City of St. Joseph after several years of contracting economies from the 2008 Great Recession. After several years of declining market values and slow development, the City's taxable market value increased 18% the past five years, 6% in 2022 alone, and development has been encouraging. As a result of improved conditions, the City has been able to keep a stable tax rate while maintaining service levels. In 2020, the United States and around the world felt the economic impact of the COVID-19 virus pandemic. The United States, State of Minnesota and the City of St. Joseph declared public health emergencies to respond to the pandemic. Several business sectors were closed or significantly reduced operations to support the COVID-19 response efforts. The US and world markets were affected. In 2020, the President of the United States signed into law the Community Reinvestment Fund (CRF) COVID-19 to assist communities, businesses, and Americans with the impact of the pandemic. The City of St. Joseph received $551,340 in the Coronavirus Aid, Relief, and Economic Security (CARES) Act that was included in the CRF funding. The City of St. Joseph used the CARES funds to add necessary equipment to improve public health and safety and provided grants to small businesses negatively impacted by COVID-19. City of St. Joseph Management's Discussion and Analysis 20 ECONOMIC FACTORS AND NEXT YEAR'S BUDGETS AND RATES (CONTINUED) In addition, Stearns County provided $145,164 of their CARES funds to St. Joseph small businesses. The St. Joseph city council opted to put some projects and purchases on hold to ensure city financial health could weather the economic vulnerabilities of the pandemic. In 2021, The President signed the American Rescue Plan Act (ARPA) where direct funding to municipalities was available. The City of St. Joseph received $804,890 between 2021 and 2022. As of December 31, 2022, the City of St. Joseph spent $474,426 grant dollars on the main server upgrades, finance software, surveillance cameras, technology updates and cellular meters. The City has until December 31, 2024, to spend the remaining ARPA grant dollars. In 2022, thirty-six new single-family and townhome permits were issued, along with new commercial construction for Obbink Distillery and Bad Habit Brewery expansion permits. In addition, 86 commercial remodel and improvement projects, and 1,001 residential improvement permits were issued in 2022. An average year sees around 300 building permits issued; 2022 was unusually high for new construction and repairs due to a spring 2022 hail storm. College & Minnesota LLC, a developer, purchased a vacant two-story downtown building and remodeled into ground-level commercial retail space with an above level residential unit. Hudson & Company who leases the retail spaces has stated their St. Joseph store performs the best out of the three stores they operate in different communities. College & Minnesota LLC continues to invest significantly in St. Joseph. They purchased a vacant city owned garage and an abutting building in downtown known as the old fire hall/police station from the City of St. Joseph. The buildings are currently renovated into retail spaces for two boutiques. College & Minnesota, LLC also purchased a few single-family homes in the downtown area and plan to convert them to additional commercial uses in the downtown. A single-family home near the new boutiques offers yoga and homeopathic rejuvenation. Another home is currently under construction for the addition of Kensington Bank in St. Joseph. In the past three years, new construction as well as remodels/additions and repairs added over $54 million in market value for the City of St. Joseph. In addition to new construction, current structures have impacted the net tax capacity. The sale prices have increased along with the assessors estimated market values for existing properties. To stay in compliance with Minnesota Statutes, the sales price ration indicated the need to increase existing market values. This combined with the new buildings; market values increased 17% for the 2023 taxable market values. City of St. Joseph Management's Discussion and Analysis 21 ECONOMIC FACTORS AND NEXT YEAR'S BUDGETS AND RATES (CONTINUED) As stated, single-family residential construction included thirty-six new homes built in 2022. Nationally and in Minnesota, the housing market is improving. In the City of St. Joseph, two developers recently expanded their developments to provide 34 lots in three subdivisions. In addition, the Country Manor Senior Living Campus development began construction of single-family patio homes in their first phase of development. The first phase includes ten detached patio home lots in which seven homes have been constructed, and the remaining three lots have been purchased by Berscheid Builders, LLC. Berscheid Builders, LLC purchased the abutting Outlot in the Country Manor Senior Living Campus subdivision which has been preliminary platted for 30 single-family patio homes. Country Manor plans two market rate apartments on the north side of their planned unit development. The apartments are planned for 2023 and 2024 construction years. St. Joseph is fortunate to have a very low foreclosure rate. In fact, homes that become available for sale do not stay on the market for an extended period of time. The City of St. Joseph anticipates industrial development in Northland Business Center, a new Industrial Park that was completed in 2021. The City was awarded a $1,245,000 Business Development Public Infrastructure (BDPI) grant from the Minnesota Department of Employment and Economic Development (MN DEED) to assist with costs for public streets and utilities to create shovel ready industrial lots. Construction of the public improvements began in 2019 and includes 26 lots. The majority of lots within the new industrial park are one to two acres in size. There is the ability to combine or subdivide lots to adjust sizes to accommodate development needs. In 2021, the first development began with on a 10-acre parcel for Trobec's commercial and school bussing. In 2022, plans were submitted for a 15-acre parcel for Goodin Company and a one-acre parcel for Granite City Gymnastics. These two businesses will start construction in summer 2023. The construction fund has an unspent balance of $227,849. The funds will be applied to expand Fir Street East to accommodate Trobec's Bussing Company. The City of St. Joseph submitted a bonding request for State Legislative consideration in 2020 for the community center. The State of Minnesota included funding the $4M request for the St. Joseph Community Center in their fall 2020 bonding bill. The City began pre-design phase and hired a firm, Kinetic, to conduct a capital campaign for the project in 2022 through 2023. In addition, the City of St. Joseph and the YMCA partnered for operations of the new facility. The City of St. Joseph will own the facility and lease the operations to the St. Cloud Area Family YMCA (YMCA). The YMCA is assisting with the design phase and capital campaign to help build the recreational facility to meet the operational needs in the future. In 2022, the capital campaign kicked off, pre-designing by HMA Architect continues and the City hired a construction manager, W. Gohman Construction, to oversee costs of the project. The community center will be located east of the St. Joseph Government Center on a vacant -8.35-acre lot owned by the City. A 45,000 square foot facility is planned for phase I with construction planned to begin in 2024. City of St. Joseph Management's Discussion and Analysis 22 ECONOMIC FACTORS AND NEXT YEAR'S BUDGETS AND RATES (CONTINUED) There are exciting developments that have recently located to or are in the process of locating into the City of St. Joseph. As mentioned above, College and Minnesota, LLC has made significant investments into the St. Joseph community by purchasing older homes and commercial buildings in the downtown for remodeling to convert into viable businesses, including retail, fitness/health, and food/restaurant spaces. Bad Habit Brewing Company located in downtown St. Joseph expanded their brewery and outdoor space, including a taproom, warehouse, outdoor patio seating. With their expansion, Bad Habit Brewing Company refinanced their loans and paid off a loan they had with the City of Joseph in March 2022. The City was able to then defease a bond early with the proceeds. Bo Diddley's in the downtown remodel their restaurant and added outdoor patio space. Wandering Cow Ice Cream opened their doors in a vacant downtown space in spring 2022. A Mexican restaurant is also remodeling a space in the downtown area for a summer 2023 opening. On the north side of the downtown, Obbink Distillery purchased an unused warehouse space for an "out of this world" whiskey distillery. The space has a tasting room and large outdoor gathering space. There continues to be interest and prospects reaching out to the city staff to locate in St. Joseph. St. Joseph is becoming a travel destination place. Besides downtown, Rivers Bend Plat 4 development adds 28 residential townhomes south of town near the Kennedy Community School. The first few permits were issued in fall 2022. StorageLink purchased vacant property along the Highway 75 corridor to construct climate-controlled storage units. In 2018, the City of Foley began negotiating with the City of St. Cloud and area cities to connect to the St. Cloud wastewater treatment facility. The sewer use agreement includes the contracted area cities of St. Joseph, St. Cloud, St. Augusta, Waite Park, Sartell, and Sauk Rapids. The current sewer use agreement includes Exhibit C identifying reserve treatment capacity called pooled capacity. The pooled capacity was reserved for the contracted cities to sell capacity to each other as they approach their capacity agreed to in the sewer use agreement before the next treatment plant expansion is completed. The pooled capacity agreement amendment was agreed to in that allows contracted cities to sell all or a portion of their pooled capacity to new users into the system. A new user, in this case the City of Foley, will reimburse the cities selling their pooled capacity and take over future debt payments for their new portion of the treatment facility. The amended pooled capacity agreement also depicts the formula to determine the cost of becoming a new user. In April 2022 the City of St. Joseph approved selling their pooled capacity to the City of Foley. Under the new amendment, St. Joseph received an upfront reimbursement of $1,449,288 for their purchased debt through 2023. Once connected to the St. Cloud wastewater treatment facility, the City of Foley will realize their portion of plant capacity debt payments and will reduce the amount owed by the City of St. Joseph. Connection to the St. Cloud plant is anticipated for fall 2023. Future debt savings for St. Joseph is estimated to be $773,167 from 2024 through 2030. The City of St. Joseph plans to use the reimbursements for future sewer improvements and reduce the sewer service costs to rate payers. With a busy year completed, 2023 is expected to be eventful as well. City of St. Joseph Management's Discussion and Analysis 23 REQUESTS FOR INFORMATION The audited financial report is designed to provide a general overview of the City of St. Joseph's finances for all those with an interest in the City's finances. Questions concerning any of the information provided in this report or requests for additional financial information should be addressed to the Finance Director, 75 Callaway Street East, St. Joseph, MN 56374. 24 (THIS PAGE LEFT BLANK INTENTIONALLY) 25 BASIC FINANCIAL STATEMENTS See notes to basic financial statements. 26 Governmental Activities Business-Type Activities Total Assets Cash and investments (including cash equivalents) 16,951,422$ 4,948,034$ 21,899,456$ Cash with fiscal agent - - - Property tax receivable 16,066 14 16,080 Accounts receivable 75,235 499,187 574,422 Interest receivable 66,058 18,489 84,547 Due from other governments 778,462 1 778,463 Notes receivable 54,802 - 54,802 Lease receivable 12,402 111,618 124,020 Special assessments receivable Delinquent 966 1,486 2,452 Deferred 3,322,123 43,392 3,365,515 Prepaid items 17,500 - 17,500 Net pension asset 199,433 - 199,433 Capital assets not being depreciated Land 762,197 377,882 1,140,079 Easements 331,093 67,915 399,008 Construction in progress 1,329,872 187,548 1,517,420 Capital assets being depreciated Buildings 7,299,059 8,797,686 16,096,745 Infrastructure 27,912,714 - 27,912,714 Improvements 1,411,545 289,760 1,701,305 Intangible asset 200,000 - 200,000 Plant and lines - 28,460,768 28,460,768 Machinery and equipment 4,668,429 1,150,595 5,819,024 Sewer rights - 10,977,565 10,977,565 Less accumulated depreciation (24,885,570) (16,883,472) (41,769,042) Capital assets (net of accumulated depreciation) 19,029,339 33,426,247 52,455,586 Total assets 40,523,808 39,048,468 79,572,276 Deferred Outflows of Resources Deferred outflows of resources related to pensions 2,399,691 114,232 2,513,923 Total assets and deferred outflows of resources 42,923,499$ 39,162,700$ 82,086,199$ City of St. Joseph Statement of Net Position December 31, 2022 See notes to basic financial statements. 27 Governmental Activities Business-Type Activities Total Liabilities Accounts payable 201,590$ 80,859$ 282,449$ Contracts payable 526,106 - 526,106 Due to other governments 21,087 131,753 152,840 Salaries and benefits payable 135,518 7,189 142,707 Interest payable 116,806 37,798 154,604 Unearned revenue 331,590 1,450,923 1,782,513 Bond principal payable (net) Payable within one year 1,599,000 640,000 2,239,000 Payable after one year 19,002,913 2,510,470 21,513,383 Notes payable (net) Payable within one year - 422,538 422,538 Payable after one year - 3,567,137 3,567,137 Compensated absences payable Payable within one year 124,240 29,213 153,453 Payable after one year 354,951 100,970 455,921 Net pension liability 3,623,958 349,509 3,973,467 Total liabilities 26,037,759 9,328,359 35,366,118 Deferred Inflows of Resources Deferred inflows of resources related to pensions 91,807 4,976 96,783 Deferred inflows of resources related to debt 9,515 14,623 24,138 Deferred inflows of resources related to leases 12,402 111,618 124,020 Total deferred inflows of resources 113,724 131,217 244,941 Net Position Net investment in capital assets 8,714,573 26,286,102 32,233,696 Restricted for Debt service 4,387,863 - 4,387,863 Other purposes 3,148,066 - 3,148,066 Unrestricted 521,514 3,417,022 6,705,515 Total net position 16,772,016 29,703,124 46,475,140 Total liabilities, deferred inflows of resources, and net position 42,923,499$ 39,162,700$ 82,086,199$ City of St. Joseph Statement of Net Position December 31, 2022 See notes to basic financial statements. 28 Program Revenues Functions/Programs Expenses Charges for Services Operating Grants and Contributions Capital Grants and Contributions Governmental Activities Business-Type Activities Total Governmental activities General government 1,203,531$ 109,436$ 1,767$ 76,735$ (1,015,593)$ -$ (1,015,593)$ Public safety 2,528,353 460,961 225,719 174,849 (1,666,824) - (1,666,824) Public works 1,590,794 54,088 - 895,722 (640,984) - (640,984) Economic development 271,353 74,785 4,457 - (192,111) - (192,111) Culture and recreation 843,718 33,685 1,828 73,292 (734,913) - (734,913) Interest on long-term debt 500,353 - - - (500,353) - (500,353) Total governmental activities 6,938,102 732,955 233,771 1,220,598 (4,750,778) - (4,750,778) Business-type activities Water 1,085,920 1,366,126 994 91,984 - 373,184 373,184 Sanitary sewer 1,221,130 1,548,097 556 67,115 - 394,638 394,638 Refuse 391,013 385,244 137 - - (5,632) (5,632) Storm water 215,283 269,615 24,927 46,210 - 125,469 125,469 Street light utility 69,142 85,720 63 - - 16,641 16,641 Total business-type activities 2,982,488 3,654,802 26,677 205,309 - 904,300 904,300 Total governmental and business-type activities 9,920,590$ 4,387,757$ 260,448$ 1,425,907$ (4,750,778) 904,300 (3,846,478) General revenues Property taxes 3,290,248 10 3,290,258 Tax increments 151,291 - 151,291 Sales taxes 649,225 - 649,225 Lodging taxes 15,757 - 15,757 Miscellaneous taxes 731 - 731 Franchise fees 140,259 - 140,259 State aids 1,252,968 - 1,252,968 Unrestricted investment earnings (354,466) (104,018) (458,484) Gain on sale of assets 35,012 - 35,012 Transfers 57,456 (57,456) - Total general revenues and transfers 5,238,481 (161,464) 5,077,017 Change in net position 487,703 742,836 1,230,539 Net position - beginning 16,284,313 29,029,772 45,314,085 Prior period adjustment - (69,484) (69,484) Net position - beginning restated 16,284,313 28,960,288 45,244,601 Net position - ending 16,772,016$ 29,703,124$ 46,475,140$ City of St. Joseph Statement of Activities Year Ended December 31, 2022 and Changes in Net Position Net (Expense) Revenue See notes to basic financial statements. 29 Debt Service Capital Projects General Fund (101-110) G.O. Industrial Park Bonds of 2019A (308) Community Center/YMCA (402) Other Governmental Funds Total Governmental Funds Assets Cash and investments 4,388,209$ 93,581$ 6,124,499$ 6,714,457$ 17,320,746$ Taxes receivable - delinquent 11,469 - - 4,597 16,066 Special assessments receivable Delinquent 106 - - 860 966 Deferred 241,932 1,563,156 - 1,517,035 3,322,123 Accounts receivable 64,375 - - 18,010 82,385 Interest receivable 21,650 2,356 - 42,052 66,058 Due from other funds 9,676 - - 6,800 16,476 Due from other governments 426,542 - - 351,920 778,462 Notes receivable - - - 54,802 54,802 Lease receivable 12,402 - - - 12,402 Prepaid items 17,500 - - - 17,500 Total assets 5,193,861$ 1,659,093$ 6,124,499$ 8,710,533$ 21,687,986$ Liabilities Accounts payable 117,649$ -$ -$ 83,941$ 201,590$ Contracts payable - - - 526,106 526,106 Due to other funds - - - 16,476 16,476 Due to other governments 21,087 - - - 21,087 Salaries and benefits payable 53,091 - - 82,427 135,518 Unearned revenue 331,590 - - - 331,590 Total liabilities 523,417 - - 708,950 1,232,367 Deferred Inflows of Resources Unavailable revenue - property taxes 11,469 - - 4,597 16,066 Unavailable revenue - special assessments 242,038 1,563,156 - 1,517,895 3,323,089 Unavailable revenue - state shared taxes 388,269 - - - 388,269 Unavailable revenue - lease receivable 12,402 - - - 12,402 Total deferred inflows of resources 654,178 1,563,156 - 1,522,492 3,739,826 Fund Balances Nonspendable 17,500 - - - 17,500 Restricted 10,729 95,937 - 4,085,450 4,192,116 Committed - - - 480,461 480,461 Assigned 1,779,231 - 6,124,499 1,930,658 9,834,388 Unassigned 2,208,806 - - (17,478) 2,191,328 Total fund balances 4,016,266 95,937 6,124,499 6,479,091 16,715,793 Total liabilities, deferred inflows of resources, and fund balances 5,193,861$ 1,659,093$ 6,124,499$ 8,710,533$ 21,687,986$ City of St. Joseph Balance Sheet - Governmental Funds December 31, 2022 30 (THIS PAGE LEFT BLANK INTENTIONALLY) See notes to basic financial statements. 31 City of St. Joseph Reconciliation of the Balance Sheet to The Statement of Net Position - Governmental Funds Total fund balances - governmental funds 16,715,793$ Capital assets used in governmental activities are not current financial resources and, therefore, are not reported as assets in governmental funds. Cost of capital assets 43,914,909 Less accumulated depreciation/amortization (24,885,570) Long-term liabilities, including bonds payable, are not due and payable in the current period and, therefore, are not reported as liabilities in the funds. Long-term liabilities at year-end consist of Bond principal payable, net of premiums and discounts (20,601,913) Deferred charges on refunding (9,515) Compensated absences payable (479,191) Net pension liability (3,623,958) Delinquent receivables will be collected in subsequent years, but are not available soon enough to pay for the current period's expenditures and, therefore, are deferred in the funds. Property taxes 16,066 Special assessments 966 Other long-term assets are not available to pay for current expenditures and, therefore, are deferred in the funds. Deferred special assessments 3,322,123 MSA Receivable 388,269 Deferred outflows of resources and deferred inflows of resources are created as a result of various differences related to pensions that are not recognized in the governmental funds. Deferred inflows of resources related to pensions (91,807) Deferred outflows of resources related to pensions 2,399,691 Net pension assets created through non-employer contributions to defined benefit pension plans are not recognized in the governmental funds. Fire relief net pension asset 199,433 The water access capital project fund is proprietary in nature and, therefore, included in the business-type activities in the Statement of Net Position. (362,841) The sewer access capital project fund is proprietary in nature and, therefore, included in the business-type activities in the Statement of Net Position. (13,633) Governmental funds do not report a liability for accrued interest due and payable. (116,806) 16,772,016$ Amounts reported for governmental activities in the Statement of Net Position are different because: Total net position - governmental activities Year Ended December 31, 2022 See notes to basic financial statements. 32 General Fund (101-110) G.O. Industrial Park Bonds of 2019A (308) G.O. Tax Abatement Bonds of 2015B (353) Revenues Property taxes 2,102,211$ -$ -$ Tax increments - - - Sales taxes - - - Lodging taxes - - - Miscellaneous taxes 731 - - Special assessments 4,891 410,733 - Franchise fees 140,259 - - Licenses and permits 307,357 - - Intergovernmental 1,883,220 - - Charges for services 53,057 - - Fines and forfeitures 78,924 - - Miscellaneous Investment income (113,653) (13,229) (2,384) Contributions and donations 7,828 - - Revolving loan repayments - - - Other 73,360 - - Total revenues 4,538,185 397,504 (2,384) Expenditures Current General government 1,078,866 - - Public safety 1,701,616 - - Public works 716,500 - - Culture and recreation 574,640 - - Economic development - - - Debt service Principal - 220,000 1,175,000 Interest and other charges - 82,263 32,935 Capital outlay General government 80,524 - - Public safety 302,742 - - Public works 111,187 - - Culture and recreation 423 - - Total expenditures 4,566,498 302,263 1,207,935 Excess of revenues over (under) expenditures (28,313) 95,241 (1,210,319) Other Financing Sources (Uses) Insurance recoveries 30,198 - - Sale of property 14,850 - - Bonds issued - - - Bond premium - - - Transfers in 69,391 - - Transfers out (259,064) - (177,228) Total other financing sources (uses) (144,625) - (177,228) Net change in fund balances (172,938) 95,241 (1,387,547) Fund Balances Beginning of year 4,189,204 696 1,387,547 End of year 4,016,266$ 95,937$ -$ Debt Service City of St. Joseph Statement of Revenues, Expenditures, and Changes in Fund Balances - Governmental Funds Year Ended December 31, 2022 33 Capital Projects Community Center/YMCA (402) Other Governmental Funds Total Governmental Funds -$ 1,182,546$ 3,284,757$ - 151,291 151,291 - 649,225 649,225 - 15,757 15,757 - - 731 - 731,771 1,147,395 - - 140,259 - - 307,357 - 477,081 2,360,301 - 426,583 479,640 - - 78,924 - (241,486) (370,752) 10,000 5,997 23,825 - 69,054 69,054 - 221,818 295,178 10,000 3,689,637 8,632,942 - - 1,078,866 - 396,430 2,098,046 - - 716,500 1,282 1,207 577,129 - 269,182 269,182 - 1,759,000 3,154,000 - 507,403 622,601 - 1,952 82,476 - 373,536 676,278 - 1,466,942 1,578,129 10,049 110,969 121,441 11,331 4,886,621 10,974,648 (1,331) (1,196,984) (2,341,706) - - 30,198 - 70,000 84,850 5,721,252 1,683,748 7,405,000 402,580 105,382 507,962 - 799,791 869,182 - (636,550) (1,072,842) 6,123,832 2,022,371 7,824,350 6,122,501 825,387 5,482,644 1,998 5,653,704 11,233,149 6,124,499$ 6,479,091$ 16,715,793$ See notes to basic financial statements. 34 Reconciliation of the Statement of Revenues, Expenditures, and Changes in Fund Balances to the Statement Total net change in fund balances - governmental funds 5,482,644$ Amounts reported for governmental activities in the Statement of Activities are different because: Capital outlays are reported in governmental funds as expenditures. However, in the Statement of Activities, the cost of those assets is allocated over the estimated useful lives as depreciation expense. Capital outlays 2,349,075 Capital contributions 134,781 Depreciation expense (1,423,949) Disposal of capital assets (49,839) Transferred to proprietary funds (58,884) Principal payments on long-term debt are recognized as expenditures in the governmental funds but as an increase in net position in the Statement of Activities. 3,154,000 Some expenses reported in the Statement of Activities do not require the use of current financial resources and, therefore, are not reported as expenditures in governmental funds. Accrued interest payable (65,559) Amortization of bond discounts, premiums and deferred charges 187,807 Proceeds from long-term debt are recognized as an other financing source in the governmental funds but as a decrease in net position in the Statement of Activities. (7,405,000) The governmental funds report the effect of premiums, discounts and similar items when debt is first issued, whereas these amounts are deferred and amortized in the Statement of Activities. (507,962) Compensated absence payments are recognized as paid in the governmental funds but recognized as the expense is incurred in the Statement of Activities. 50,113 Delinquent receivables will be collected in subsequent years, but are not available soon enough to pay for the current period's expenditures and, therefore, are not revenues in the funds. Delinquent special assessments (257) Delinquent property taxes 5,491 Certain revenues in the Statement of Activities that do not provide current financial resources are not reported as revenues in the funds. Deferred special assessments (829,163) Notes receivable (268,981) MSA receivable (109,565) Governmental funds recognized pension contributions as expenditures at the time of payment whereas the Statement of Activities factors in items related to pensions on a full accrual perspective. Pension expense (182,120) The water access capital project fund is proprietary in nature and, therefore, is reported with business-type activities. 17,800 The sewer access capital project fund is proprietary in nature and, therefore, is reported with business-type activities. 7,271 Change in net position - governmental activities 487,703$ of Activities - Governmental Funds City of St. Joseph Year Ended December 31, 2022 See notes to basic financial statements. 35 Original Budget Final Budget Actual Amounts Revenues Property taxes 2,095,595$ 2,095,595$ 2,102,211$ 6,616$ Miscellaneous taxes 4,000 4,000 731 (3,269) Special assessments 4,000 4,000 4,891 891 Franchise fees 138,200 138,200 140,259 2,059 Licenses and permits 185,720 185,720 307,357 121,637 Intergovernmental 1,867,364 1,867,364 1,883,220 15,856 Charges for services 43,785 43,785 53,057 9,272 Fines and forfeitures 66,000 66,000 78,924 12,924 Miscellaneous revenues Investment income 35,000 35,000 (113,653) (148,653) Contributions and donations 3,000 3,000 7,828 4,828 Other 33,525 33,525 73,360 39,835 Total revenues 4,476,189 4,476,189 4,538,185 61,996 Expenditures Current General government 1,013,035 1,013,035 1,078,866 65,831 Public safety 1,786,140 1,786,140 1,701,616 (84,524) Public works 676,855 694,355 716,500 22,145 Culture and recreation 776,205 778,705 574,640 (204,065) Capital outlay General government 109,250 109,250 80,524 (28,726) Public safety 165,550 165,550 302,742 137,192 Public works 188,500 171,000 111,187 (59,813) Culture and recreation 25,500 23,000 423 (22,577) Total expenditures 4,741,035 4,741,035 4,566,498 (174,537) Excess of revenues over (under) expenditures (264,846) (264,846) (28,313) 236,533 Other Financing Sources (Uses) Insurance recoveries - - 30,198 30,198 Sale of property 7,000 7,000 14,850 7,850 Transfers in 13,340 13,340 69,391 56,051 Transfers out - - (259,064) (259,064) Total other financing sources (uses) 20,340 20,340 (144,625) (164,965) Net change in fund balances (244,506)$ (244,506)$ (172,938) 71,568$ Fund Balances Beginning of year 4,189,204 End of year 4,016,266$ Variance with Final Budget - Over (Under) City of St. Joesph Statement of Revenues, Expenditures, and Changes in Fund Balance - Budget and Actual - General Fund Year Ended December 31, 2022 See notes to basic financial statements. 36 Water (601) Sanitary Sewer (602) Refuse (603) Storm Water (651) Street Light Utility (652) Total Assets Current assets Cash and investments 1,313,076$ 2,605,129$ 196,647$ 360,488$ 103,370$ 4,578,710$ Taxes receivable - delinquent 14 - - - - 14 Special assessments receivable Delinquent 542 574 266 72 32 1,486 Deferred 25,868 416 306 16,741 61 43,392 Accounts receivable 151,036 230,721 61,199 34,946 14,135 492,037 Interest receivable 9,425 5,829 1,015 1,753 467 18,489 Due from other governments 1 - - - - 1 Lease receivable 111,618 - - - - 111,618 Total current assets 1,611,580 2,842,669 259,433 414,000 118,065 5,245,747 Noncurrent assets Capital assets Land 372,941 4,941 - - - 377,882 Easements - - - 67,915 - 67,915 Construction in progress 114,549 15,197 - 57,802 - 187,548 Buildings 7,502,432 1,295,254 - - - 8,797,686 Improvements 289,760 - - - - 289,760 Plants and lines 11,568,989 9,858,368 - 7,033,411 - 28,460,768 Machinery and equipment 270,129 661,249 46,416 172,801 - 1,150,595 Sewer rights - 10,977,565 - - - 10,977,565 Total capital assets 20,118,800 22,812,574 46,416 7,331,929 - 50,309,719 Less accumulated depreciation (7,350,219) (7,407,441) (46,187) (2,079,625) - (16,883,472) Net capital assets 12,768,581 15,405,133 229 5,252,304 - 33,426,247 Total noncurrent assets 12,768,581 15,405,133 229 5,252,304 - 33,426,247 Total assets 14,380,161 18,247,802 259,662 5,666,304 118,065 38,671,994 Deferred Outflows of Resources Deferred outflows of resources related to pensions 51,785 48,509 3,918 8,061 1,959 114,232 Total assets and deferred outflows of resources 14,431,946$ 18,296,311$ 263,580$ 5,674,365$ 120,024$ 38,786,226$ Liabilities Current liabilities Accounts payable 19,327$ 28,357$ 28,134$ 458$ 4,583$ 80,859$ Due to other governments 1,243 127,966 2,234 - 310 131,753 Salaries and benefits payable 4,361 2,148 109 505 66 7,189 Interest payable 3,538 34,260 - - - 37,798 Unearned revenue 1,635 1,449,288 - - - 1,450,923 Long-term liabilities due Within one year 523,616 566,154 547 1,160 274 1,091,751 Total current liabilities 553,720 2,208,173 31,024 2,123 5,233 2,800,273 Noncurrent liabilities Compensated absences 62,352 62,352 1,455 3,296 728 130,183 Notes payable, net - 3,989,675 - - - 3,989,675 Bonds payable, net 2,312,286 838,184 - - - 3,150,470 Net pension liability 158,444 148,421 11,987 24,664 5,993 349,509 Less amounts due within one year (523,616) (566,154) (547) (1,160) (274) (1,091,751) Total noncurrent liabilities 2,009,466 4,472,478 12,895 26,800 6,447 6,528,086 Total liabilities 2,563,186 6,680,651 43,919 28,923 11,680 9,328,359 Deferred Inflows of Resources Deferred inflows of resources related to pensions 2,256 2,113 171 351 85 4,976 Deferred inflows of resources related to leases 111,618 - - - - 111,618 Deferred inflows of resources related to debt 7,253 7,370 - - - 14,623 Total deferred inflows 121,127 9,483 171 351 85 131,217 Net Position Net investment in capital assets 10,456,295 10,577,274 229 5,252,304 - 26,286,102 Unrestricted 1,291,338 1,028,903 219,261 392,787 108,259 3,040,548 Total net position 11,747,633 11,606,177 219,490 5,645,091 108,259 29,326,650 Total liabilities, deferred inflows of resources, 14,431,946$ 18,296,311$ 263,580$ 5,674,365$ 120,024$ 38,786,226$ and net position City of St. Joseph Statement of Net Position - Proprietary Funds December 31, 2022 See notes to basic financial statements. 37 City of St. Joseph Reconciliation of the Statement of Net Position - Business-Type Activities December 31, 2022 Total net position - proprietary funds 29,326,650$ Amounts reported for business-type activities in the Statement of Net Position are different because: The water access capital project fund is proprietary in nature and relates to water improvements for the applicable funds. Therefore, it is included as a business-type activity. 362,841 The sewer access capital project fund is proprietary in nature and relates to sewer improvements for the applicable funds. Therefore, it is included as a business-type activity. 13,633 29,703,124$ Total net position - business-type activities See notes to basic financial statements. 38 Water (601) Sanitary Sewer (602) Refuse (603) Operating revenues Charges for services 1,162,651$ 1,414,646$ 385,244$ Operating expenses Wages and salaries 205,966 152,048 28,558 Materials and supplies 90,485 24,792 2,301 Repairs and maintenance 70,796 36,963 1,155 Professional services 77,053 37,715 3,551 Insurance 21,405 13,214 - Utilities 95,399 23,257 - Depreciation 455,628 550,356 115 Contracted services - 288,448 353,936 Equipment 36,035 2,336 - Miscellaneous 9,069 2,070 1,397 Total operating expenses 1,061,836 1,131,199 391,013 Operating income (loss) 100,815 283,447 (5,769) Nonoperating revenues (expenses) Investment income (52,921) (32,730) (5,702) Special assessments 676 (96) 84 Loss on disposal of asset (12,564) (13,570) - Property taxes 10 - - Interest expense (93,744) (84,386) - Amortization of bond premium 82,224 8,025 - Other income 41,971 1,374 53 Total nonoperating revenues (expenses) (34,348) (121,383) (5,565) Income (loss) before capital contributions and transfers 66,467 162,064 (11,334) Capital contributions 140,490 77,115 - Transfers in 186,000 140,000 - Transfers out (46,585) (22,320) (70) Change in net position 346,372 356,859 (11,404) Net position Beginning of year 11,641,064 11,332,374 230,894 Prior period adjustment (239,803) (83,056) - Beginning of year, restated 11,401,261 11,249,318 230,894 End of year 11,747,633$ 11,606,177$ 219,490$ City of St. Joseph Statement of Revenues, Expenses, and Changes in Net Position - Proprietary Funds Year Ended December 31, 2022 39 Storm Water (651) Street Light Utility (652) Total 269,615$ 85,720$ 3,317,876$ 34,050 15,156 435,778 1,056 - 118,634 16,626 1,113 126,653 4,930 247 123,496 - - 34,619 1,021 52,135 171,812 155,497 - 1,161,596 - - 642,384 - - 38,371 2,103 491 15,130 215,283 69,142 2,868,473 54,332 16,578 449,403 (9,842) (2,823) (104,018) 24,819 37 25,520 - - (26,134) - - 10 - - (178,130) - - 90,249 108 26 43,532 15,085 (2,760) (148,971) 69,417 13,818 300,432 46,210 - 263,815 - - 326,000 (53,365) - (122,340) 62,262 13,818 767,907 5,329,454 94,441 28,628,227 253,375 - (69,484) 5,582,829 94,441 28,558,743 5,645,091$ 108,259$ 29,326,650$ See notes to basic financial statements. 40 City of St. Joseph Reconciliation of the Statement of Revenues, Expenses, and Changes in Net Position - Business-Type Activities Total net change in fund net position - proprietary funds 767,907$ Amounts reported for business-type activities in the Statement of Activities are different because: Recognized current year activity from the water access capital project fund with the business-type activities. (17,800) Recognized current year activity from the sewer access capital project fund with the business-type activities. (7,271) Capital contributions from governmental activities (58,884) Transfers in of capital assets from governmental activities 58,884 Change in net position - business-type activities 742,836$ Year Ended December 31, 2022 See notes to basic financial statements. 41 Water (601) Sanitary Sewer (602) Refuse (603) Cash Flows - Operating Activities Receipts from customers and users 1,156,384$ 1,418,544$ 381,963$ Payments to suppliers (405,143) (347,497) (360,710) Payments to employees (188,561) (138,817) (26,665) Other miscellaneous receipts 45,397 4,549 579 Net cash flows - operating activities 608,077 936,779 (4,833) Cash Flows - Noncapital Financing Activities Transfer from other funds 186,000 140,000 - Transfer to other funds (46,585) (22,320) (70) Net cash flows - noncapital financing Activities 139,415 117,680 (70) Cash Flows - Capital and Related Financing Activities Principal paid on debt (540,000) (541,950) - Interest paid on debt (117,072) (88,753) - Proceeds from disposal of capital assets - 1,449,288 - Acquisition of capital assets (11,124) (4,463) - Net cash flows - capital and related Financing activities (668,196) 814,122 - Cash Flows - Investing Activities Interest and dividends received (57,143) (36,349) (6,114) Net change in cash and cash equivalents 22,153 1,832,232 (11,017) Cash and Cash Equivalents Beginning of year 1,290,923 772,897 207,664 End of year 1,313,076$ 2,605,129$ 196,647$ Reconciliation of Operating Income (Loss) to Net Cash Flows - Operating Activities Operating income (loss) 100,815$ 283,447$ (5,769)$ Adjustments to reconcile operating income (loss) to net cash flows - operating activities Depreciation expense 455,628 550,356 115 Pension expense 10,132 7,915 1,275 Other miscellaneous receipts 45,397 4,549 579 Accounts receivable (1,312) 3,618 (3,460) Due from other governments 423 280 179 Accounts payable (3,569) 14,470 1,627 Due to other governmental units (1,332) 66,828 3 Salaries payable 1,418 (539) (268) Compensated absences payable 5,855 5,855 886 Unearned revenue (5,378) - - Total adjustments 507,262 653,332 936 Net cash flows - operating activities 608,077$ 936,779$ (4,833)$ Non-Cash Capital and Financing Activities Capital asset contributions from governmental funds 140,490$ 77,115$ -$ City of St. Joseph Statement of Cash Flows - Proprietary Funds Year Ended December 31, 2022 42 Storm Water (651) Street Light Utility (652) Total 265,235$ 97,435$ 3,319,561$ (25,495) (53,866) (1,192,711) (30,689) (14,293) (399,025) 8,477 139 59,141 217,528 29,415 1,786,966 - - 326,000 (53,365) - (122,340) (53,365) - 203,660 - - (1,081,950) - - (205,825) - - 1,449,288 (57,803) - (73,390) (57,803) - 88,123 (10,900) (3,075) (113,581) 95,460 26,340 1,965,168 265,028 77,030 2,613,542 360,488$ 103,370$ 4,578,710$ 54,332$ 16,578$ 449,403$ 155,497 - 1,161,596 1,466 637 21,425 8,477 139 59,141 (4,441) 11,689 6,094 61 26 969 241 (190) 12,579 - 310 65,809 (7) (217) 387 1,902 443 14,941 - - (5,378) 163,196 12,837 1,337,563 217,528$ 29,415$ 1,786,966$ 46,210$ -$ 263,815$ 43 (THIS PAGE LEFT BLANK INTENTIONALLY) City of St. Joseph Notes to Basic Financial Statements 44 NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES A. Reporting Entity The City of St. Joseph (the "City") is a statutory city governed by an elected mayor and four council members. The accompanying financial statements present the government entities for which the government is financially accountable. The financial statements present the City and its component units. The City includes all funds, account groups, organizations, institutions, agencies, departments, and offices that are not legally separate from such. Component units are legally separate organizations for which the elected officials of the City are financially accountable and are included within the basic financial statements of the City because of the significance of their operational or financial relationships with the City. The City is considered financially accountable for a component unit if it appoints a voting majority of the organization’s governing body and it is able to impose its will on the organization by significantly influencing the programs, projects, activities, or level of services performed or provided by the organization, or there is a potential for the organization to provide specific financial benefits to or impose specific financial burdens on, the City. As a result of applying the component unit definition criteria above, certain organizations have been defined and are presented in this report as follows: Blended Component Unit – Reported as if they were part of the City. Joint Ventures – The relationship of the City with the entity is disclosed. For each of the categories above, the specific entities are identified as follows: 1. Blended Component Unit The St. Joseph Economic Development Authority (EDA) was organized for the purpose of preserving and creating jobs, enhancing the tax base, and promoting the general welfare of the people of the City. The St. Joseph EDA is governed by a five member board appointed by the City Council, two members of which are City Council Members. The St. Joseph EDA is included as a blended component unit of the City because the St. Joseph EDA is financially accountable to the City, as the City Council approves the budget. The St. Joseph EDA provides services almost entirely for the City. The St. Joseph EDA is presented as the Economic Development Authority Special Revenue Fund. Separate financial statements are not prepared for the St. Joseph EDA. 2. Joint Ventures The Central Minnesota Major Crime Investigation Unit is a group of local law enforcement officers within the four county surrounding areas that will be available to assist any of the participating entities in the investigation and solution of major crimes. During 2022, the City contributed $15,789 to the organization. It is reported as a special revenue fund of the City of Sartell. Complete financial statements can be obtained from: City of Sartell, 125 Pine Cone Road North, Sartell, Minnesota 56377. City of St. Joseph Notes to Basic Financial Statements 45 NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) B. Government-Wide and Fund Financial Statements The government-wide financial statements (i.e., the Statement of Net Position and the Statement of Activities) report information on all of the activities of the City. Governmental activities, which normally are supported by taxes and intergovernmental revenues, are reported separately from business- type activities, which rely to a significant extent on fees and charges for support. The Statement of Activities demonstrates the degree to which the direct expenses of a given function or segment is offset by program revenues. Direct expenses are those that are clearly identifiable with a specific function or segment. Interest on general long-term debt is considered an indirect expense and is reported separately in the Statement of Activities. Program revenues include 1) charges to customers or applicants who purchase, use, or directly benefit from goods, services, or privileges provided by a given function or segment and 2) grants and contributions that are restricted to meeting the operational or capital requirements of a particular function or segment. Taxes and other items not properly included among program revenues are reported instead as general revenues. Internally dedicated revenues are reported as general revenues rather than program revenues. Separate financial statements are provided for governmental funds and proprietary funds. Major individual governmental funds and major individual enterprise funds are reported as separate columns in the fund financial statements. C. Measurement Focus, Basis of Accounting, and Financial Statement Presentation The government-wide financial statements are reported using the economic resources measurement focus and the accrual basis of accounting, as are the proprietary fund financial statements. Revenues are recorded when earned and expenses are recorded when a liability is incurred, regardless of the timing of related cash flows. Property taxes are recognized as revenues in the year for which they are levied. Grants and similar items are recognized as revenue as soon as all eligibility requirements imposed by the provider have been met. Governmental fund financial statements are reported using the current financial resources measurement focus and the modified accrual basis of accounting. Revenues are recognized as soon as they are both measurable and available. Revenues are considered to be available when they are collectible within the current period or soon enough thereafter to pay liabilities of the current period. For this purpose, the City considers revenues to be available if they are collected within 60 days of the end of the current period. Expenditures generally are recorded when a liability is incurred, as under accrual accounting. However, debt service expenditures, as well as expenditures related to compensated absences and claims and judgments, are recorded only when payment is due. Property taxes, franchise taxes, licenses, and interest associated with the current period are all considered to be susceptible to accrual and so have been recognized as revenues of the current period. Only the portion of special assessments receivable due within the current period is considered to be susceptible to accrual as revenue of the current period. All other revenue items are considered to be measurable and available only when cash is received by the City. City of St. Joseph Notes to Basic Financial Statements 46 NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) C. Measurement Focus, Basis of Accounting, and Financial Statement Presentation (Continued) DESCRIPTION OF FUNDS: Major Governmental Funds: General Fund – This fund is the City’s primary operating fund. It accounts for all financial resources of the general City, except those required to be accounted for in another fund. G.O. Industrial Park Bonds of 2019A – This fund accounts for the payments made on principal and interest on bonds issued to finance the 2019 Industrial Park Project. G.O. Tax Abatement Bonds of 2015B – This fund accounts for the payments made on principal and interest on bonds issued to finance the 2015 tax abatement. St. Joseph Community Center/YMCA – This fund accounts for activity related to the St. Joseph Community Center/YMCA. Proprietary Funds: Water Fund – This fund accounts for the operations of the City’s water utility. Sanitary Sewer Fund – This fund accounts for the operations of the City’s sanitary sewer utility. Refuse Fund – This fund accounts for the operations of the City’s refuse and compost utility. Storm Water Fund – This fund accounts for the operations of the City’s storm water utility. Street Light Utility Fund – This fund accounts for the operations of the City’s street light utility. As a general rule, the effect of interfund activity has been eliminated from the government-wide financial statements. Exceptions to this general rule are charges between the City’s water, sanitary sewer, refuse, storm water, and street light utility functions and various other functions of the City. Elimination of these charges would distort the direct costs and program revenues reported for the various functions concerned. Proprietary funds distinguish operating revenues and expenses from nonoperating items. Operating revenues and expenses generally result from providing services and producing and delivering goods in connection with a proprietary fund’s principal ongoing operations. The principal operating revenues of the Water, Sanitary Sewer, Refuse, Storm Water, and Street Light Utility Enterprise Funds are charges to customers for sales and services. Operating expenses for enterprise funds include the cost of sales and services, administrative expenses, and depreciation on capital assets. All revenues and expenses not meeting this definition are reported as nonoperating revenues and expenses. When both restricted and unrestricted resources are available for use, it is the City’s policy to use restricted resources first, then unrestricted resources as they are needed. City of St. Joseph Notes to Basic Financial Statements 47 NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) D. Assets, Liabilities, Deferred Outflows/ Inflows of Resources, and Net Position or Equity 1. Deposits and Investments Cash and investments include balances from all funds that are combined and invested to the extent available in various securities as authorized by state law. Earnings from the pooled investments are allocated to the individual funds based on the average of month-end cash and investment balances. The City’s cash and cash equivalents are considered to be cash on hand, demand deposits, and short- term investments with original maturities of three months or less from the date of acquisition. Minnesota Statutes §118A outlines types of investments allowed, which authorizes the City to invest in obligations of the U.S. Treasury, agencies, and instrumentalities, shares of investment companies whose only investments are in the aforementioned securities, obligations of the State of Minnesota or its municipalities, bankers’ acceptances, future contracts, repurchase and reverse repurchase agreements, and commercial paper of the highest quality with a maturity of no longer than 270 days and in the Minnesota Municipal Investment Pool. Certain investments for the City are reported at fair value as disclosed in Note 3. The City categorizes its fair value measurements within the fair value hierarchy established by generally accepted accounting principles. The hierarchy is based on the valuation inputs used to measure the fair value of the asset. Level 1 inputs are quoted prices in active markets for identical assets; Level 2 inputs are significant other observable inputs; Level 3 inputs are significant unobservable inputs. In accordance with GASB Statement No. 79, the Minnesota Municipal Investment Pool securities are valued at amortized cost, which approximates fair value. There are no restrictions or limitations on withdrawals from the 4M Liquid Asset Fund. Investments in the 4M Plus must be deposited for a minimum of 14 calendar days. Withdrawals prior to the 14-day restriction period will be subject to a penalty equal to 7 days interest on the amount withdrawn. 2. Receivables and Payables All trade and property tax receivables are shown at a gross amount since both are assessable to the property taxes and are collectible upon the sale of the property. The City levies its property tax for the subsequent year during the month of December. December 28 is the last day the City can certify a tax levy to the County Auditor for collection the following year. Such taxes become a lien on January 1 and are recorded as receivables by the City at that date. The property tax is recorded as revenue when it becomes measurable and available. Stearns County is the collecting agency for the levy and remits the collections to the City four times a year. The tax levy notice is mailed in March with the first half of the payment due on May 15 and the second half due on October 15. Taxes not collected as of December31 each year are shown as delinquent taxes receivable. City of St. Joseph Notes to Basic Financial Statements 48 NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) D. Assets, Liabilities, Deferred Outflows/ Inflows of Resources, and Net Position or Equity (Continued) 2. Receivables and Payables (Continued) The County Auditor prepares the tax list for all taxable property in the City, applying the applicable tax rate to the tax capacity of individual properties, to arrive at the actual tax for each property. The County Auditor also collects all special assessments, except for certain prepayments paid directly to the City. The County Auditor submits the list of taxes and special assessments to be collected on each parcel of property to the County Treasurer in January of each year. 3. Prepaid Items Certain payments to vendors reflect costs applicable to future accounting periods and are recorded as prepaid items in both government-wide and fund financial statements. Prepaid items are reported using the consumption method and recorded as expenditures at the time of consumption. 4. Capital Assets Capital assets, which include property, plant, equipment, and infrastructure assets (e.g., roads, sidewalks, and similar items), are reported in the applicable governmental or business-type activities columns in the government-wide financial statements. Capital assets are defined by the City as assets with an initial, individual cost of more than $1,000 and an estimated useful life in excess of two years. Such assets are recorded at historical cost or estimated historical cost if purchased or constructed. Donated capital assets are recorded at acquisition value at the date of donation. The costs of normal maintenance and repairs that do not add to the value of the asset or materially extend assets’ lives are not capitalized. Property, plant, and equipment of the City are depreciated using the straight-line full year convention method over the following estimated useful lives: Years Land improvements 5-20 Buildings 30-40 Building improvements 15 Infrastructure 10-50 Sewer rights 20-50 Furniture and fixtures 5-10 Vehicles 5-20 Equipment 3-7 Machinery 5-7 Assets City of St. Joseph Notes to Basic Financial Statements 49 NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) D. Assets, Liabilities, Deferred Outflows/ Inflows of Resources, and Net Position or Equity (Continued) 5. Deferred Outflows/ Inflows of Resources In addition to assets, the statement of financial position will sometimes report a separate section for deferred outflows of resources. This separate financial statement element represents a consumption of net assets that applies to future periods and so will not be recognized as an outflow of resources (expense/expenditure) until that time. The City presents deferred outflows of resources on the Statements of Net Position for deferred outflows of resources related to pensions for various estimate differences that will be amortized and recognized over future years. In addition to liabilities, the statement of financial position and fund financial statements will sometimes report a separate section for deferred inflows of resources. This separate financial statement element represents an acquisition of net assets that applies to future periods and so will not be recognized as an inflow of resources (revenue) until that time. The City has four items that qualify for reporting in this category. The City presents deferred inflows of resources on the Governmental Fund Balance Sheet as unavailable revenue. The governmental funds report unavailable revenues from four sources: property taxes, special assessments, lease receivable, and state shared taxes. These amounts are deferred and recognized as an inflow of resources in the period that the amounts become available. The City presents deferred inflows of resources on the Statements of Net Position for deferred inflows of resources related to pensions for various estimate differences that will be amortized and recognized over future years. The City presents deferred inflows of resources on the Statements of Net Position for the deferred charge on refunding. A deferred charge on refunding results from the difference in the carrying value of refunded debt and reacquisition price. Deferred inflows of resources related to lease receivable is reported in both the government-wide Statement of Net Position and the Governmental Funds Balance Sheet. 6. Compensated Absences The City compensates employees who leave City service in good standing for all earned, unused vacation. Employees can accrue up to 200 hours of vacation depending on years of service. The maximum amount of carryover from year-to-year is 100 hours or the amount of the current vacation accrual rate. In addition, employees are compensated for unused sick leave (up to a maximum of 720 hours or 960 hours for LELS and AFSCME employees) at various rates depending on the employee type and years of service, provided the City’s notice of termination policy has been complied with. 7. Long-Term Obligations In the government-wide financial statements and proprietary fund types in the fund financial statements, long-term debt and other long-term obligations are reported as liabilities in the applicable governmental activities, business-type activities, or proprietary fund type Statement of Net Position. Bond premiums and discounts are deferred and amortized over the life of the bonds using the effective interest method. City of St. Joseph Notes to Basic Financial Statements 50 NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) D. Assets, Liabilities, Deferred Outflows/ Inflows of Resources, and Net Position or Equity (Continued) 7. Long-Term Obligations (Continued) In the fund financial statements, governmental fund types recognize bond premiums and discounts, as well as bond issuance costs, during the current period. The face amount of debt issued is reported as other financing sources. Premiums received on debt issuances are reported as other financing sources while discounts on debt issuances are reported as other financing uses. Issuance costs, whether or not withheld from the actual debt proceeds received, are reported as debt service expenditures. 8. Pensions For purposes of measuring the net pension liability, deferred outflows/inflows of resources, and pension expense, information about the fiduciary net position of the Public Employees Retirement Association (PERA) and the relief association and additions to/deductions from PERA’s and the relief association’s fiduciary net position have been determined on the same basis as they are reported by PERA and the relief association except that PERA’s fiscal year end is June 30. For this purpose, plan contributions are recognized as of employer payroll paid dates and benefit payments and refunds are recognized when due and payable in accordance with the benefit terms. Investments are reported at fair value. 9. Fund Equity a) Classification In the fund financial statements, governmental funds report fund classifications that comprise a Hierarchy based primarily on the extent to which the City is bond to honor constraints on the specific purpose for which amounts in those funds can be spent.  Nonspendable Fund Balance – These are amounts that cannot be spent because they are not in spendable form as they are legally or contractually required to be maintained intact and include amounts set aside for prepaid items.  Restricted Fund Balance – These are amounts that are restricted to specific purposes either by a) constraints placed on the use of resources by creditors, grantors, contributors, or laws or regulations of other governments, or b) imposed by law through enabling legislation.  Committed Fund Balance – These are amounts that can only be used for specific purposes pursuant to constraints imposed by the City Council (highest level of decision making authority) through resolution. The City Council must also pass a resolution to remove the constraint of committed resources.  Assigned Fund Balance – These are amounts that are constrained by the City’s intent to be used for specific purposes but are neither restricted nor committed. Assignments are made by the City’s Finance Director based on the City Council’s direction. City of St. Joseph Notes to Basic Financial Statements 51 NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) D. Assets, Liabilities, Deferred Outflows/ Inflows of Resources, and Net Position or Equity (Continued) 9. Fund Equity (Continued) a) Classification (Continued)  Unassigned Fund Balance – These are residual amounts in the General Fund not reported in any other classification. The General Fund is the only fund that can report a positive unassigned fund balance. Other funds would report a negative unassigned fund balance should the total of nonspendable, restricted, committed, and assigned fund balances exceed the total net resources of that fund. When both restricted and unrestricted resources are available for use, it is the City’s policy to first use restricted resources, and then use unrestricted resources as they are needed. When committed, assigned, and unassigned resources are available for use, it is the City’s policy to use resources in the following order: committed, assigned, and unassigned. b) Minimum Fund Balance The City’s target General Fund balance is to maintain working capital, a portion of the unassigned balance, in the amount of four to six months of the next year’s budgeted expenditures of the General Fund. 10. Net Position Net position represents the difference between assets, deferred outflows of resources, liabilities, and deferred inflows of resources in the government-wide financial statements. Net investment in capital assets consists of capital assets, net of accumulated depreciation, reduced by the outstanding balance of any long-term debt used to build or acquire the capital assets. A reclassification of $2,766,979 between this net position class and unrestricted net position in the total column of the Statement of Net Position to recognize the portion of debt attributable to capital assets donated from governmental activities to business-type activities. Net position is reported as restricted in the government-wide financial statement when there are limitations on use through external restrictions imposed by creditors, grantors, or laws or regulations of other governments. The restricted for other purposes restriction of net position for governmental activities of $3,148,066 includes $10,729 PEG Access Fees, $60,297 for tax increment financing, $1,533,047 in state collected sales tax restricted by enabling legislation, $19,125 restricted for lodging tax, $300,342 in park dedication fees, $430 restricted by donors for future projects, $53,933 DEED Funds, $84,095 in revolving loan funds restricted for EDA projects, $697,799 restricted for fire service, and $388,269 for unused MSA funds. 11. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Estimates also affect the reported amounts of revenues and expenditures/expenses during the reporting period. Actual results could differ from those estimates. City of St. Joseph Notes to Basic Financial Statements 52 NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED) E. Budgetary Information 1. In August of each year, City staff submits to the City Council, a proposed operating budget for the year commencing the following January 1. The operating budget includes proposed expenditures and the means of financing them for the upcoming year. 2. Public hearings are conducted to obtain taxpayer comments. 3. The budget is legally enacted through passage of a resolution after obtaining taxpayer comments. 4. Budgets are adopted on a basis consistent with accounting principles generally accepted in the United States of America. 5. Expenditures may not legally exceed budgeted appropriations at the department level. No fund’s budget can be increased without City Council approval. The City Council may authorize transfer of budgeted amounts between departments within any fund. Management may amend budgets within a department level, so long as the total department budget is not changed. 6. Annual appropriated budgets are adopted during the year for the General Fund and the Economic Development Authority, State Collected Sales Tax, Park Dedication, and Fire special revenue funds and debt service funds. Budgetary control for the remaining special revenue fund is done through the use of project controls when the council authorizes the project. Budgetary control for Capital Projects Funds is accomplished through the use of project controls and formal appropriated budgets are not adopted. 7. Budgeted amounts are as originally adopted by the City Council. Budgeted expenditure appropriations lapse at year-end. Encumbrances outstanding at year-end expire and outstanding purchase orders are canceled and not reported in the financial statements. NOTE 2 – STEWARDSHIP, COMPLIANCE, AND ACCOUNTABILITY A. Deficit Fund Balance The following fund had a deficit fund balance at December 31, 2022. Nonmajor governmental funds Special Revenue TIF 2-3 Bayou Blues/Alley Flat 6,675$ Capital project 2023 Street Overlay Imp/Elm St ROW Acq 9,676 Debt Service 2020A Equipment Certificate 1,127 This deficit will be eliminated with future tax increment revenues and future transfers. City of St. Joseph Notes to Basic Financial Statements 53 NOTE 3 – DEPOSITS AND INVESTMENTS Cash balances of the City’s funds are combined (pooled) and invested to the extent available in various investments authorized by Minnesota Statutes. Each fund’s portion of this pool (or pools) is displayed in the financial statements as "cash and cash equivalents" or "investments." For purposes of identifying risk of investing public funds, the balances and related restrictions are summarized as follows. A. Deposits Custodial Credit Risk – Deposits: This is the risk that in the event of a bank failure, the City’s deposits may not be returned to it. The City has a policy that requires the City’s deposits be collateralized as required by Minnesota Statutes for an amount exceeding FDIC, SAIF, BIF, or FCUA coverage. As of December 31, 2022, the City’s bank balance was not exposed to custodial credit risk because it was fully insured through the FDIC or NCUA and fully collateralized with securities held by the pledging financial institutions trust department or agent and in the City’s name. As of December 31, 2022, the City’s deposits had a carrying value as shown as follows: Certificates of deposits 5,831,727$ Checking 131,349 Savings 315,210 Total 6,278,286$ B. Investments As of December 31, 2022, the City had the following investments: Weighted Fair Average Moody's Investment Type Value Maturity (Years) Rating Brokered money market 3,674,825$ N/A N/A Brokered bond securities 11,354,582 1.75 Aa2 to Aaa 4M Funds 591,563 N/A N/A Total 15,620,970$ Credit Risk: Credit risk is the risk that an issuer or other counterparty to an investment will not fulfill its obligations. Minnesota Statutes 118A.04 and 118A.05 limit investments based on rating level and investment type. The City’s investment policy limits the allowable investments in accordance with these statutes. As of December 31, 2022, the City’s investments were rated as listed in the table above. Interest Rate Risk: The City should try to minimize the risk that arises from over investing in specific instruments, individual financial institutions, or maturities. The City’s investment policy states the investment portfolio will be structured so that securities mature to meet cash flow requirements and avoiding the need to sell securities prior to maturity, investing in short-term securities, investing in long- term securities if the market rate is favorable. City of St. Joseph Notes to Basic Financial Statements 54 NOTE 3 – DEPOSITS AND INVESTMENTS (CONTINUED) B. Investments (Continued) Concentration of Credit Risk: Investments should be diversified to avoid incurring unreasonable risks inherent in over investing in specific instruments, individual financial institutions, or maturities. The City’s investment policy states the City will attempt to diversify its investments according to type, issuer, and maturity. The portfolio, as much as possible, will contain both short-term and long-term investments. The City will attempt to match its investments with anticipated cash flow requirements. Extended maturities may be utilized to take advantage of higher yields. No more than 20% of the total investments should extend beyond five years and the weighted average maturity of the portfolio shall never exceed five years. As of December 31, 2022, the City's investments in Federal Home Loan Banks (5.6%, 6.9%, 7.0% and 7.3%) exceed 5% of the investment portfolio. Custodial Credit Risk – Investments: For an investment, this is the risk that in the event of the failure of the counterparty, the City will not be able to recover the value of its investments or collateral securities that are in the possession of an outside party. The City’s investment policy addresses this risk and states the City will permit investments only to the extent that there is Securities Investor Protection Corporation (SIPC) and excess SIPC coverage available. The City has the following recurring fair value measurements as of December 31, 2022:  $4,132,430 of investments are valued using a quoted market prices (Level 1 inputs)  $11,363,717 of investments are valued using a matrix pricing model (Level 2 inputs) C. Deposits and Investments The following is a summary of deposits and investments as of December 31, 2022: Deposits (Note 3.A.)6,278,286$ Investments (Note 3.B.) 15,620,970 Petty cash 200 Total 21,899,456$ Deposits and investments are presented in the December 31, 2022, basic financial statements as follows: Statement of Net Position Cash and investments 21,899,456$ Total deposits and investments 21,899,456$ City of St. Joseph Notes to Basic Financial Statements 55 NOTE 4 – LEASE RECEIVABLE The City has a Site lease agreement with Verizon Wireless for certain real property located at 3563 County Road 136, in the City of St. Joseph. This lease was originally entered into on June 12, 2009, with the currently signed amendment extension term ending January 31, 2029. Total rent income earned from this lease was $20,808 for the year ended December 31, 2022. The Net present value of future lease payments has been recorded as a lease receivable and a deferred inflow of resources, discounted at a 3% discount rate and had an ending balance, at June 30, 2022 of $124,020. The revenue will be recognized in future years. NOTE 5 – INTERFUND BALANCES AND TRANSFERS A. Interfund Balances The composition of interfund balances as of December 31, 2022, is as follows: Amounts Due from Other Funds Other Governmental Funds General Fund 9,676$ Other Governmental Funds 6,800 Total 16,476$ Amounts Due to Other Funds The due from/due to other funds balances represent loans made to cover tax increment financing (TIF) consulting costs to establish the TIF districts and contract revenue reductions and to cover the 2023 street improvement construction costs prior to bond issue. City of St. Joseph Notes to Basic Financial Statements 56 NOTE 5 – INTERFUND BALANCES AND TRANSFERS (CONTINUED) B. Transfers The composition of interfund transfers as of December 31, 2022, is as follows Transfer In Transfer Out Description Amount General Fund Other Governmental Funds Transfer to close fund 28,823$ General Fund G.O. Abatement Bonds 2015B Transfer to close fund 27,228 General Fund Water Transfer retirement reserve funding 6,585 General Fund Sanitary Sewer Transfer retirement reserve funding 6,320 General Fund Refuse Transfer retirement reserve funding 70 General Fund Storm Water Transfer retirement reserve funding 365 Other Governmental Funds General Fund Transfer of park dedication fees for budget reserves 49,700 Other Governmental Funds Other Governmental Funds Transfer funds for fire debt relief 17,000 Other Governmental Funds Other Governmental Funds Transfer for future economic development projects 50,000 Other Governmental Funds General Fund Transfer reserves to early redeem bonds 209,364 Other Governmental Funds Other Governmental Funds Transfer to close fund 215,727 Other Governmental Funds Storm Water Annual transfer for bond payment 53,000 Other Governmental Funds G.O. Abatement Bonds 2015B Transfer for bond payment 150,000 Other Governmental Funds Other Governmental Funds Transfer sales tax revenue committed for bond payment 5,000 Other Governmental Funds Water Transfer budget reserves 40,000 Other Governmental Funds Sanitary Sewer Transfer budget reserves 10,000 Water Other Governmental Funds Transfer WAC fees for debt payment 180,000 Water Sanitary Sewer Annual transfer for debt payments 6,000 Sanitary Sewer Other Governmental Funds Annual transfer for debt payments 140,000 1,195,182$ City of St. Joseph Notes to Basic Financial Statements 57 NOTE 6 – CAPITAL ASSETS Capital asset activity for the year ended December 31, 2022, was as follows: Beginning Ending Balance Increases Decreases Balance Governmental activities Capital assets not being depreciated Land 762,197$ -$ -$ 762,197$ Easements 200,085 131,008 - 331,093 Construction in progress 1,333,706 1,918,183 1,922,017 1,329,872 Total capital assets not being depreciated 2,295,988 2,049,191 1,922,017 2,423,162 Capital assets being depreciated Buildings 7,299,059 - - 7,299,059 Infrastructure 26,027,162 1,885,552 - 27,912,714 Improvements 1,377,030 49,710 15,195 1,411,545 Intangible assets 200,000 - - 200,000 Machinery and equipment 4,441,111 362,536 135,218 4,668,429 Total capital assets being depreciated 39,344,362 2,297,798 150,413 41,491,747 Less accumulated depreciation for Buildings 1,591,677 185,707 - 1,777,384 Infrastructure 17,718,359 914,755 - 18,633,114 Improvements 755,888 47,970 15,195 788,663 Intangible assets 50,000 10,000 - 60,000 Machinery and equipment 3,446,271 265,517 85,379 3,626,409 Total accumulated depreciation 23,562,195 1,423,949 100,574 24,885,570 Total capital assets being depreciated, net 15,782,167 873,849 49,839 16,606,177 Governmental activities capital assets, net 18,078,155$ 2,923,040$ 1,971,856$ 19,029,339$ City of St. Joseph Notes to Basic Financial Statements 58 NOTE 6 – CAPITAL ASSETS (CONTINUED) Depreciation expense was charged to functions/programs of the City as follows: Beginning Ending Balance Increases Decreases Balance Business-type activities Capital assets not being depreciated Land 377,882$ -$ -$ 377,882$ Easements 67,915 - - 67,915 Construction in progress 1,498,789 379,633 1,690,874 187,548 Total capital assets not being depreciated 1,944,586 379,633 1,690,874 633,345 Capital assets being depreciated Buildings 8,797,686 - - 8,797,686 Improvements other than buildings 289,760 - - 289,760 Plant and lines 27,068,783 1,572,195 180,210 28,460,768 Machinery and equipment 1,143,827 6,768 - 1,150,595 Sewer rights 10,977,565 - - 10,977,565 Total capital assets being depreciated 48,277,621 1,578,963 180,210 49,676,374 Less accumulated depreciation for Buildings 3,038,818 214,142 - 3,252,960 Improvements other than buildings 57,952 14,488 - 72,440 Plant and lines 8,902,956 551,848 154,075 9,300,729 Machinery and equipment 806,866 89,122 - 895,988 Sewer rights 3,069,359 291,996 - 3,361,355 Total accumulated depreciation 15,875,951 1,161,596 154,075 16,883,472 Total capital assets being depreciated, net 32,401,670 417,367 26,135 32,792,902 Business-type activities captial assets, net 34,346,256$ 797,000$ 1,717,009$ 33,426,247$ City of St. Joseph Notes to Basic Financial Statements 59 NOTE 6 – CAPITAL ASSETS (CONTINUED) Governmental activities General government 122,731$ Public safety 173,187 Public works 952,149 Culture and recreation 175,664 Economic development 218 Total depreciation expense - governmental activities 1,423,949$ Business-type activities Water 455,628$ Sanitary sewer 550,356 Refuse 115 Storm sewer 155,497 Total depreciation expense - business-type activities 1,161,596$ NOTE 7 – LONG-TERM DEBT A. General Obligation Bonds The City issues General Obligation (G.O.) bonds to provide for financing improvement, development, and street improvement projects. G.O. bonds are direct obligations and pledge the full faith and credit of the City. These bonds generally are issued as 5 to 20 year serial bonds with equal debt service payments each year. Revenue bonds are issued by the City where the City pledges income derived from the acquired or constructed assets to pay debt service including access and trunk charges and utility user fees. City of St. Joseph Notes to Basic Financial Statements 60 NOTE 7 – LONG-TERM DEBT (CONTINUED) B. Components of Long-Term Liabilities Issue Interest Original Final Principal Due Within Date Rate Issue Maturity Outstanding One Year Governmental Activities G.O. Bonds, including Refunding Bonds G.O. Capital Improvement Plan 2016A 07/07/16 2.00%-2.875% 4,275,000$ 12/15/36 3,170,000$ 195,000$ G.O. Certificates of Indebtedness 2018A 02/28/18 2.50% 265,000 12/15/23 56,000 56,000 G.O. Certificates of Indebtedness 2020A 03/05/20 1.45% 220,000 12/15/25 134,000 44,000 G.O. Captial Improvement Plan 2020B 11/12/20 0.40%-2.00% 690,000 12/15/33 630,000 60,000 G.O. Certificates of Indebtedness 2022A 08/30/22 4.00% 660,000 12/15/31 660,000 55,000 Total G.O. Bonds 4,650,000 410,000 G.O. Special Assessment Bonds G.O. Improvement Bonds of 2016B 11/03/16 1.00%-3.00% 740,000 12/15/32 490,000 50,000 G.O. Improvement Bonds of 2017B 08/30/17 2.25%-3.00% 344,000 12/15/27 170,000 34,000 G.O. Improvement Bonds of 2019A 09/12/19 4.00%-5.00% 3,705,000 12/15/29 2,580,000 375,000 G.O. Improvement Bonds of 2020B 11/12/20 0.40%-2.00% 625,000 12/15/31 560,000 65,000 G.O. Refunding Improvement Bonds of 2020B 11/12/20 0.40%-2.00% 190,000 12/15/24 100,000 50,000 Taxable G.O. Crossover Refunding Bonds, Series 2020C 11/12/20 0.40%-1.60% 1,365,000 12/01/30 1,220,000 150,000 G.O. Improvement Bonds of 2021A 09/14/21 2.00%-4.00% 3,190,000 12/15/36 2,930,000 260,000 G.O. Improvement Bonds of 2022A 08/30/22 4.00% 620,000 12/15/32 620,000 65,000 Total G.O. Special Assessment Bonds 8,670,000 1,049,000 G.O. Abatement Bonds G.O. Tax Abatement Bonds of 2022A 08/30/22 4.00% 6,125,000 12/15/42 6,125,000 140,000 Unamortized premiums/discounts 1,156,913 - Compensated absences 479,191 124,240 Total long-term liabilities, governmental activities 21,081,104$ 1,723,240$ Issue Interest Original Final Principal Due Within Date Rate Issue Maturity Outstanding One Year Business-type Activities G.O. Revenue Bonds G.O. Sewer Refunding Bonds of 2020B 11/12/20 0.40%-2.00% 1,045,000$ 12/15/28 800,000$ 130,000$ Taxable G.O. Crossover Refunding Bonds, Series 2020C 11/12/20 0.40%-1.90% 445,000 12/01/32 405,000 40,000 G.O. Water Revenue Refunding Bonds 2021A 09/14/21 2.00%-4.00% 2,185,000 12/15/28 1,755,000 470,000 Total G.O. Revenue Bonds 2,960,000 640,000 Notes from direct borrowing Utility Revenue Notes Payable City of St. Cloud SIS Phase 4 (2013B Bonds) 11/01/13 3.00%-4.00% 650,000 02/01/29 350,000 45,000 City of St. Cloud RUE Project PFA Loan 08/01/10 1.77% 4,527,703 08/20/30 2,059,071 241,945 City of St. Cloud Lift Station Improvements 08/24/16 1.00% 469,263 08/20/26 206,283 50,820 City of St. Cloud NR2 Biosolids 10/09/17 1.10% 1,744,736 08/20/37 1,374,321 84,773 Total notes from direct borrowing 3,989,675 422,538 Unamortized premium 190,470 - Compensated absences 130,183 29,213 Total business-type activities 7,270,328 1,091,751 Total all long-term liabilities 28,351,432$ 2,814,991$ City of St. Joseph Notes to Basic Financial Statements 61 NOTE 7 – LONG-TERM DEBT (CONTINUED) B. Components of Long-Term Liabilities (Continued) Long-term bonded indebtedness listed on the previous page and above were issued to finance acquisition and construction of capital assets or to refinance (refund) previous bond issues. C. Changes in Long-Term Liabilities Long-term liability activity for the year ended December 31, 2022, was as follows: Beginning Ending Balance Additions Reductions Balance Governmental activities Bonds payable General obligation 4,510,000$ 660,000$ 520,000$ 4,650,000$ G.O. special assessment bonds 9,509,000 620,000 1,459,000 8,670,000 G.O. abatement bonds 1,175,000 6,125,000 1,175,000 6,125,000 Total bonds payable 15,194,000 7,405,000 3,154,000 19,445,000 Unamortized premiums/discounts 834,378 507,962 185,427 1,156,913 Compensated absences 529,304 306,443 356,556 479,191 Total governmental activities 16,557,682$ 8,219,405$ 3,695,983$ 21,081,104$ Beginning Ending Balance Additions Reductions Balance Business-type activities Bonds payable G.O. utility revenue bonds 3,625,000$ -$ 665,000$ 2,960,000$ Note from direct borrowing City of St. Cloud notes 4,406,625 - 416,950 3,989,675 Unamortized premiums 277,202 - 86,732 190,470 Compensated absences 115,242 65,251 50,310 130,183 Total business-type activities 8,424,069 65,251 1,218,992 7,270,328 Total long-term liabilities 24,981,751$ 8,284,656$ 4,914,975$ 28,351,432$ For governmental activities, the General Fund typically liquidates the liability related to compensated absences. For Business-Type Activities, the Water, Sanitary Sewer, Refuse, Storm Water, and Street Light Utility Funds typically liquidates the liability related to the compensated absences. City of St. Joseph Notes to Basic Financial Statements 62 NOTE 7 – LONG-TERM DEBT (CONTINUED) D. Minimum Debt Payments Minimum annual principal and interest payments required to retire long-term liabilities: Year Ended December 31, Principal Interest Principal Interest 2023 410,000$ 123,726$ 1,049,000$ 288,741$ 2024 370,000 106,688 1,039,000 245,013 2025 380,000 99,195 994,000 210,090 2026 340,000 90,443 989,000 174,145 2027 350,000 82,243 979,000 138,025 2028-2032 1,730,000 278,103 3,125,000 254,090 2033-2037 1,070,000 73,684 495,000 24,600 Total 4,650,000$ 854,082$ 8,670,000$ 1,334,704$ Year Ended December 31, Principal Interest Total 2023 140,000$ 316,458$ 2,327,925$ 2024 215,000 239,400 2,215,101 2025 225,000 230,800 2,139,085 2026 235,000 221,800 2,050,388 2027 245,000 212,400 2,006,668 2028-2032 1,375,000 907,000 7,669,193 2033-2037 1,660,000 610,600 3,933,884 2038-2042 2,030,000 246,000 2,276,000 Total 6,125,000$ 2,984,458$ 24,618,244$ Governmental Activities Abatement Bonds Governmental Activities G.O. Bonds G.O. Special Assessment Bonds City of St. Joseph Notes to Basic Financial Statements 63 NOTE 7 – LONG-TERM DEBT (CONTINUED) D. Minimum Debt Payments (Continued) Year Ended December 31, Principal Interest Principal Interest Total 2023 640,000$ 89,140$ 422,538$ 64,628$ 1,216,306$ 2024 665,000 67,540 428,004 57,331 1,217,875 2025 685,000 46,960 439,037 50,098 1,221,095 2026 250,000 23,460 444,841 42,632 760,933 2027 270,000 17,210 397,975 34,978 720,163 2028-2032 450,000 18,095 1,373,909 74,387 1,916,391 2033-2037 - - 483,371 15,993 499,364 Total 2,960,000$ 262,405$ 3,989,675$ 340,047$ 7,552,127$ Utility Revenue Bonds Business-Type Activities Notes From Direct Borrowing E. Conduit Debt Conduit debt obligations are certain limited obligation revenue bonds or similar debt instruments issued for the express purpose of providing capital financing for a specific third party. The City has issued various revenue bonds to provide funding to private sector entities for projects deemed to be in the public interest. Although these bonds bear the name of the City, the City has no obligation for such debt. Accordingly, the bonds are not reported as liabilities in the financial statements of the City. At December 31, 2022, the City’s outstanding conduit debt balance consisted of the following: $21,195,000 Senior Housing and Healthcare Revenue Bonds, Series 2019A 21,075,000$ City of St. Joseph Notes to Basic Financial Statements 64 NOTE 8 – FUND BALANCE Fund equity balances are classified as follows to reflect the limitations and restrictions of the respective funds. G.O. Industrial Jacob Nonmajor Park Bonds of Wetterling Governmental General 2019A Recreaction Center Fund Total Nonspendable Prepaid items 17,500$ -$ -$ -$ 17,500$ Restricted PEG access fees 10,729 - - - 10,729 Debt service - 95,937 - 1,336,382 1,432,319 Tax increments - - - 60,297 60,297 State collected sales tax projects - - - 1,533,047 1,533,047 Park dedication fees - - - 300,342 300,342 Fire services - - - 697,799 697,799 Chartitable gambling - - - 430 430 Lodging tax - - - 19,125 19,125 DEED CDAP - - - 53,933 53,933 Revolving loan - - - 84,095 84,095 Total restricted 10,729 95,937 - 4,085,450 4,192,116 Committed Economic development - - - 480,461 480,461 Assigned Elections 143 - - - 143 Police forfeiture 83,396 - - - 83,396 Severance pay 375,770 - - - 375,770 Capital outlay reserves 1,319,921 - 6,124,499 1,930,658 9,375,078 Debt service relief - - - - - Total assigned 1,779,230 - 6,124,499 1,930,658 9,834,387 Unassigned 2,208,807 - - (17,478) 2,191,329 Total 4,016,266$ 95,937$ 6,124,499$ 6,479,091$ 16,715,793$ NOTE 9 – RISK MANAGEMENT The City purchases commercial insurance coverage through the League of Minnesota Cities Insurance Trust (LMCIT) with other cities in the state, which is a public entity risk pool currently operating as a common risk management and insurance program. The City pays an annual premium to the LMCIT for its insurance coverage. The LMCIT is self-sustaining through commercial companies for excess claims. The City is covered through the pool for any claims incurred but unreported, however, retains risk for the deductible portion of its insurance policies. The amount of these deductibles is considered immaterial to the financial statements. There were no significant reductions in insurance from the previous year or settlements in excess of insurance coverage for any of the past three years. City of St. Joseph Notes to Basic Financial Statements 65 NOTE 9 – RISK MANAGEMENT (CONTINUED) The City’s workers’ compensation insurance policy is retrospectively rated. With this type of policy, final premiums are determined after loss experience is known. The amount of premium adjustment for 2022 is estimated to be immaterial based on workers’ compensation rates and salaries for the year. At December 31, 2022, there were no other claims liabilities reported in the fund based on the requirements of GASB Statement No. 10, which requires a liability for claims be reported if information prior to the issuance of the financial statements indicates it is probable a liability has been incurred at the date of the financial statements and the amount of the loss can be reasonably estimated. NOTE 10 – PENSION PLANS The City participates in various pension plans, total pension expense for the year ended December 31, 2022, was $540,080. The components of pension expense are noted in the following plan summaries. For governmental activities, the General Fund typically liquidates the liability related to pensions. For Business-Type Activities, the Water, Sanitary Sewer, Refuse, Storm Water, and Street Light Utility Funds typically liquidate the liability related to pensions. Public Employees’ Retirement Association A. Plan Description The City participates in the following cost-sharing multiple-employer defined benefit pension plans administered by PERA. PERA’s defined benefit pension plans are established and administered in accordance with Minnesota Statutes, Chapters 353 and 356. PERA’s defined benefit pension plans are tax qualified plans under Section 401(a) of the Internal Revenue Code. General Employees Retirement Plan All full-time and certain part-time employees of the City are covered by the General Employees Plan. General Employees Plan members belong to the Coordinated Plan. Coordinated Plan members are covered by Social Security. Public Employees Police and Fire Plan The Police and Fire Plan, originally established for police officers and firefighters not covered by a local relief association, now covers all police officers and firefighters hired since 1980. Effective July 1, 1999, the Police and Fire Plan also covers police officers and firefighters belonging to a local relief association that elected to merge with and transfer assets and administration to PERA. B. Benefits Provided PERA provides retirement, disability, and death benefits. Benefit provisions are established by state statute and can only be modified by the state Legislature. Vested, terminated employees who are entitled to benefits but are not receiving them yet, are bound by the provisions in effect at the time they last terminated their public service. City of St. Joseph Notes to Basic Financial Statements 66 NOTE 10 – PENSION PLANS (CONTINUED) Public Employees’ Retirement Association (Continued) B. Benefits Provided (Continued) General Employees Plan Benefits General Employees Plan benefits are based on a member’s highest average salary for any 5 successive years of allowable service, age, and years of credit at termination of service. Two methods are used to compute benefits for PERA’s Coordinated Plan members. Members hired prior to July 1, 1989, receive the higher of Method 1 or Method 2 formulas. Only Method 2 is used for members hired after June 30, 1989. Under Method 1, the accrual rate for a Coordinated members is 1.2% for each of the first 10 years of service and 1.7% for each additional year. Under Method 2, the accrual rate for Coordinated members is 1.7% for all years of service. For members hired prior to July 1, 1989, a full annuity is available when age plus years of service equal 90 and normal retirement age is 65. For members hired on or after July 1, 1989, normal retirement age is the age for unreduced Social Security benefits capped at 66. Benefit increases are provided to benefit recipients each January. The postretirement increase is equal to 50% of the cost-of-living adjustment (COLA) announced by the SSA, with a minimum increase of at least 1% and a maximum of 1.5%. Recipients that have been receiving the annuity or benefit for at least a full year as of the June 30 before the effective date of the increase will receive the full increase. Recipients receiving the annuity or benefit for at least one month but less than a full year as of the June 30 before the effective date of the increase will receive a reduced prorated increase. For members retiring on January 1, 2024, or later, the increase will be delayed until normal retirement age (age 65 if hired prior to July 1, 1989, or age 66 for individuals hired on or after July 1, 1989). Members retiring under Rule of 90 are exempt from the delay to normal retirement. Police and Fire Plan Benefits Benefits for the Police and Fire Plan members first hired after June 30, 2010, but before July 1, 2014, vest on a prorated basis from 50% after five years up to 100% after 10 years of credited service. Benefits for Police and Fire Plan members first hired after June 30, 2014, vest on a prorated basis from 50% after 10 years up to 100% after 20 years of credited service. The annuity accrual rate is 3% of average salary for each year of service. For Police and Fire Plan members who were first hired prior to July 1, 1989, a full annuity is available when age plus years of service equal at least 90. Benefit increases are provided to benefit recipients each January. The postretirement increase is fixed at 1%. Recipients that have been receiving the annuity or benefit for at least 36 months as of the June 30 before the effective date of the increase will receive the full increase. Recipients receiving the annuity or benefit for at least 25 months but less than 36 months as of the June 30 before the effective date of the increase will receive a reduced prorated increase. C. Contributions Minnesota Statutes Chapter 353 sets the rates for employer and employee contributions. Contribution rates can only be modified by the state Legislature. City of St. Joseph Notes to Basic Financial Statements 67 NOTE 10 – PENSION PLANS (CONTINUED) Public Employees’ Retirement Association (Continued) C. Contributions (Continued) General Employees Fund Contributions Coordinated Plan members were required to contribute 6.5% of their annual covered salary in fiscal year 2022 and the City was required to contribute 7.5% for Coordinated Plan members. The City’s contributions to the General Employees Fund for the year ended December 31, 2022, were $93,278. The City’s contributions were equal to the required contributions as set by state statute. Police and Fire Fund Contributions Police and Fire Plan members were required to contribute 11.8% of their annual covered salary in fiscal year 2022 and the City was required to contribute 17.7% for Police and Fire Plan members. The City’s contributions to the Police and Fire Fund for the year ended December 31, 2022, were $140,357. The City’s contributions were equal to the required contributions as set by state statute. D. Pension Costs General Employees Fund Pension Costs At December 31, 2022, the City reported a liability of $1,227,605 for its proportionate share of the General Employees Fund’s net pension liability. The City’s net pension liability reflected a reduction due to the State of Minnesota’s contribution of $16 million. The State of Minnesota is considered a non- employer contributing entity and the State’s contribution meets the definition of a special funding situation. The State of Minnesota’s proportionate share of the net pension liability associated with the City totaled $36,093. General Employees Fund Pension Costs (Continued) The net pension liability was measured as of June 30, 2022, and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The City’s proportionate share of the net pension liability was based on the City’s contributions received by PERA during the measurement period for employer payroll paid dates from July 1, 2021, through June 30, 2022, relative to the total employer contributions received from all of PERA’s participating employers. The City’s proportionate share was 0.0155% at the end of the measurement period and 0.0152% for the beginning of the period. City's proportionate share of the net pension liability 1,227,605$ State of Minnesota's proportionate share of the net pension liability associated with the City 36,093 Total 1,263,698$ City of St. Joseph Notes to Basic Financial Statements 68 NOTE 10 – PENSION PLANS (CONTINUED) Public Employees’ Retirement Association (Continued) D. Pension Costs (Continued) For the year ended December 31, 2022, the City recognized pension expense of $191,212 for its proportionate share of General Employees Plan’s pension expense. Included in the amount, the City recognized $5,393 as pension expense (and grant revenue) for its proportionate share of the State of Minnesota’s contribution of $16 million to the General Employees Fund. At December 31, 2022, the City reported its proportionate share of the General Employees Plan’s deferred outflows of resources and deferred inflows of resources related to pensions from the following sources: Differences between expected and actual economic experience 10,254$ 12,806$ Changes in actuarial assumptions 272,616 4,671 Net collective difference between projected and actual investment earnings 27,299 - Changes in proportion 44,415 - Contributions paid to PERA subsequent to the measurement date 46,639 - Total 401,223$ 17,477$ Deferred Outflows of Resources Deferred Inflows of Resources General Employees Fund Pension Costs (Continued) The $46,639 reported as deferred outflows of resources related to pensions resulting from City contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ended December 31, 2023. Other amounts reported as deferred outflows and deferred inflows of resources related to pensions will be recognized in pension expense as follows: Pension Year Ended Expense December 31,Amount 2023 134,119$ 2024 124,861 2025 (32,891) 2026 111,018 Total 337,107$ City of St. Joseph Notes to Basic Financial Statements 69 NOTE 10 – PENSION PLANS (CONTINUED) Public Employees’ Retirement Association (Continued) D. Pension Costs (Continued) Police and Fire Fund Pension Costs At December 31, 2022, the City reported a liability of $2,745,862 for its proportionate share of the Police and Fire Fund’s net pension liability. The net pension liability was measured as of June 30, 2022, and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The City’s proportionate share of the net pension liability was based on the City’s contributions received by PERA during the measurement period for employer payroll paid dates from July 1, 2021, through June 30, 2022, relative to the total employer contributions received from all of PERA’s participating employers. The City’s proportionate share was 0.0631% at the end of the measurement period and 0.0618% for the beginning of the period. The State of Minnesota contributed $18 million to the Police and Fire Fund in the plan fiscal year ended June 30, 2022. The contribution consisted of $9 million in direct state aid that does meet the definition of a special funding situation and $9 million in supplemental state aid that does not meet the definition of a special funding situation. The $9 million direct state aid was paid on October 1, 2021. Thereafter, by October 1 of each year, the State will pay $9 million to the Police and Fire Fund until full funding is reached or July 1, 2048, whichever is earlier. The $9 million in supplemental state aid will continue until the fund is 90% funded, or until the State Patrol Plan (administered by the Minnesota State Retirement System) is 90% funded, whichever occurs later. The State of Minnesota is included as a non-employer contributing entity in the Police and Fire Retirement Plan Schedule of Employer Allocations and Schedule of Pension Amounts by Employer, (pension allocation schedules) for the $9 million in direct state aid. Police and Fire Plan employers need to recognize their proportionate share of the State of Minnesota’s pension expense (and grant revenue) under GASB 68 special funding situation accounting and financial reporting requirements. For the year ended December 31, 2022, the City recognized pension expense of $290,410 for its proportionate share of the Police and Fire Plan’s pension expense. Included in this amount, the City recognized $23,283 as pension expense (and grant revenue) for its proportionate share of the State of Minnesota’s contribution of $9 million to the Police and Fire Fund. The State of Minnesota is not included as a non-employer contributing entity in the Police and Fire Pension Plan pension allocation schedules for the $9 million in supplemental state aid. The City also recognized $120,034 for the year ended December 31, 2022, as revenue and an offsetting reduction of the net pension liability for its proportionate share of the State of Minnesota’s on-behalf contributions to the Police and Fire Fund. City of St. Joseph Notes to Basic Financial Statements 70 NOTE 10 – PENSION PLANS (CONTINUED) Public Employees’ Retirement Association (Continued) D. Pension Costs (Continued) Police and Fire Fund Pension Costs (Continued) At December 31, 2022, the City reported its proportionate share of the Police and Fire Plan’s deferred outflows of resources and deferred inflows of resources related to pensions from the following sources. Differences between expected and actual economic experience 164,915$ -$ Changes in actuarial assumptions 1,604,562 14,731 Net collective difference between projected and actual investment earnings 43,545 - Changes in proportion 72,948 9,946 Contributions paid to PERA subsequent to the measurement date 70,178 - Total 1,956,148$ 24,677$ Deferred Outflows of Resources Deferred Inflows of Resources The $70,178 reported as deferred outflows of resources related to pensions resulting from City contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ended December 31, 2023. Other amounts reported as deferred outflows and inflows of resources related to pensions will be recognized in pension expense as follows: Pension Year Ended Expense December 31,Amount 2023 366,153$ 2024 357,007 2025 329,738 2026 578,261 2027 230,134 Total 1,861,293$ City of St. Joseph Notes to Basic Financial Statements 71 NOTE 10 – PENSION PLANS (CONTINUED) Public Employees’ Retirement Association (Continued) E. Long-Term Expected Return on Investment The State Board of Investment, which manages the investments of PERA, prepares an analysis of the reasonableness on a regular basis of the long-term expected rate of return using a building-block method in which best-estimate ranges of expected future rates of return are developed for each major asset class. These ranges are combined to produce an expected long-term rate of return by weighting the expected future rates of return by the target asset allocation percentages. The target allocation and best estimates of geometric real rates of return for each major asset class are summarized in the following table: Domestic equity 33.5 % 5.10 % International equity 16.5 5.30 Fixed income 25.0 0.75 Private markets 25.0 5.90 Total 100.0 % Target Allocation Long-Term Asset Class F. Actuarial Methods and Assumptions The total pension liability in the June 30, 2022, actuarial valuation was determined using an individual entry-age normal actuarial cost method. The long-term rate of return on pension plan investments used in the determination of the total liability is 6.5%. This assumption is based on a review of inflation and investments return assumptions from a number of national investment consulting firms. The review provided a range of return investment return rates deemed to be reasonable by the actuary. An investment return of 6.5% was deemed to be within that range of reasonableness for financial reporting purposes. Inflation is assumed to be 2.25% for the General Employees Plan and 2.25% for the Police and Fire Plan. Benefit increases after retirement are assumed to be 1.25% for the General Employees. The Police and Fire Plan benefit increase is fixed at 1% per year and that increase was used in the valuation. Salary growth assumptions in the General Employees Plan range in annual increments from 10.25% after one year of service to 3.0% after 27 years of service and 6.0% per year thereafter. In the Police and Fire Plan, salary growth assumptions range from 11.75% after one year of service to 3.0% after 24 years of service. Mortality rates for the General Employees Plan are based on the Pub-2010 General Employee Mortality Table. Mortality rates for the Police and Fire Plan are based on the Pub-2010 Public Safety Employee Mortality tables. The tables are adjusted slightly to fit PERA’s experience. Actuarial assumptions for the General Employees Plan are reviewed every four years. The most recent four-year experience study for the General Employees Plan was completed in 2019. The assumption changes were adopted by the Board and became effective with the July 1, 2020, actuarial valuation. The most recent four-year experience study for the Police and Fire Plan was completed in 2020 and was adopted by the Board and became effective with the July 1, 2021, actuarial valuation. City of St. Joseph Notes to Basic Financial Statements 72 NOTE 10 – PENSION PLANS (CONTINUED) Public Employees’ Retirement Association (Continued) F. Actuarial Methods and Assumptions (Continued) The following changes in actuarial assumptions and plan provisions occurred in 2022: General Employees Fund Changes in Actuarial Assumptions  The mortality improvement scale was changed from scale MP-2020 to scale MP-2021 Changes in Plan Provisions  There have been no changes since the previous valuation. Police and Fire Fund Changes in Actuarial Assumptions  The mortality improvement scale was changed from scale MP-2020 to scale MP-2021.  The single discount rate was changed from 6.5% to 5.4%. Changes in Plan Provisions  There have been no changes since the previous valuation. G. Discount Rate The discount rate for the General Employee Plan used to measure the total pension liability in 2022 was 6.5%. The projection of cash flows used to determine the discount rate assumed that contributions from Plan members and employers will be made at rates set in Minnesota Statutes. Based on these assumptions, the fiduciary net positions of the General Employees Fund and the Police and Fire Fund were projected to be available to make all projected future benefit payments of current plan members. Therefore, the long-term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to determine the total pension liability. In the Police and Fire Fund, the fiduciary net position was projected to be available to make all projected future benefit payments of current plan members through June 30, 2060. Beginning in the fiscal year ended June 30, 2061, projected benefit payments exceed the fund’s projected fiduciary net position. Benefit payments projected after were discounted at the municipal bond rate of 3.69% (based on the weekly rate closest to but not later than the measurement date of the Fidelity "20-Year Municipal GO AA Index"). The resulting equivalent single discount rate of 5.4% for the Police and Fire Fund was determined to give approximately the same present value of projected benefits when applied to all years of projected benefits as the present value of projected benefits using 6.5% applied to all years of projected benefits through the point of asset depletion and 3.69% thereafter. City of St. Joseph Notes to Basic Financial Statements 73 NOTE 10 – PENSION PLANS (CONTINUED) Public Employees’ Retirement Association (Continued) H. Pension Liability Sensitivity The following presents the City’s proportionate share of the net pension liability for all plans it participates in, calculated using the discount rate disclosed in the preceding paragraph, as well as what the City’s proportionate share of the net pension liability would be if it were calculated using a discount rate 1 percentage point lower or 1 percentage point higher than the current discount rate: 1% Decrease in Current 1% Increase in Discount Rate (5.5%) City's proportionate share of the General Employees Fund net pension liability 1,939,067$ 1,227,605$ 644,097$ 1% Decrease in Current 1% Increase in City's proportionate share of the Police and Fire Fund net pension liability (asset) 4,155,511$ 2,745,862$ 1,606,246$ Discount Rate (6.5%) Discount Rate (7.5%) Discount Rate (4.4%) Discount Rate (5.4%) Discount Rate (6.4%) I. Pension Plan Fiduciary Net Position Detailed information about each pension plan’s fiduciary net position is available in a separately issued PERA financial report that includes financial statements and required supplementary information. That report may be obtained on the Internet at www.mnpera.org. Public Employees Defined Contribution Plan (Defined Contribution Plan) All of the City’s council members are covered by the Defined Contribution Plan, a multiple-employer deferred compensation plan administered by PERA. The Defined Contribution Plan is a tax qualified plan under Section 401(a) of the Internal Revenue Code and all contributions by or on behalf of employees are tax deferred until time of withdrawal. City of St. Joseph Notes to Basic Financial Statements 74 NOTE 10 – PENSION PLANS (CONTINUED) Public Employees Defined Contribution Plan (Defined Contribution Plan) (Continued) The defined contribution plan consists of individual accounts paying a lump-sum benefit. Plan benefits depend solely on amounts contributed to the plan plus investment earnings, less administrative expenses; therefore, there is no future liability to the City. Minnesota Statutes, Chapter 353D.03, specifies plan provisions, including the employee and employer contribution rates for those qualified personnel who elect to participate. An eligible elected official who decides to participate contributes 5% of salary which is matched by the elected official’s employer. Employees who are paid for their services may elect to make member contributions in an amount not to exceed the employer share. Employer and employee contributions are combined and used to purchase shares in one or more of the seven accounts of the Minnesota Supplemental Investment Fund. For administering the plan, PERA receives 2% of employer contributions and twenty-five hundredths of 1% (.25%) of the assets in each member’s account annually. Pension expense for the year is equal to the contributions made. Total contributions made by the City during fiscal year 2022 were: 977$ 977$ 5% 5% 5% Employee Employer Employee Employer Required Rate Defined Benefit Pension Plan – Volunteer Fire Fighter’s Relief Association A. Plan Description The City of St. Joseph Volunteer Fire Department Relief Association is the administrator of a single employer defined benefit pension plan established to provide benefits for members of the Relief Association per Minnesota State Statutes. The Association issues a publicly available financial report that includes financial statements and required supplementary information. That report may be obtained by writing to the St. Joseph Volunteer Fire Department Relief Association, 75 Callaway St E, St. Joseph, MN 56374. B. Benefits Provided Volunteer firefighters of the City are member of Joseph Volunteer Fire Department Relief Association. Full retirement benefits are payable to members who have reached age 50 and have completed 20 years of service for lump sum service pension. Partial benefits are payable to members who have reached 50 years and have completed 10 years of service. Disability benefits and widow and children’s survivor benefits are also payable to members, or their beneficiaries based upon requirements set forth in the bylaws. These benefit provisions and all other requirements are consistent with enabling state statutes. City of St. Joseph Notes to Basic Financial Statements 75 NOTE 10 – PENSION PLANS (CONTINUED) Defined Benefit Pension Plan – Volunteer Fire Fighter’s Relief Association (Continued) C. Employees Covered by Benefit Terms At December 31, 2022, the following employees were covered by the benefit terms: Inactive members entitled to but not yet receiving benefits 5 Active members 26 Total 31 D. Contributions. Minnesota Statutes Chapter 424A.092 specifies minimum support rates required on an annual basis. The minimum support rates from the municipality and from State aids are determined as the amount required to meet the normal cost plus amortizing any existing prior service costs over a ten-year period. The City’s obligation is the financial requirement for the year less state aids. Any additional payments by the City shall be used to amortize the unfunded liability of the relief association. The Association is comprised of volunteers: therefore, there are no payroll expenditures (i.e., there are no covered payroll percentage calculations). During the year, the City recognized as revenue and as an expenditure an on behalf payment of $61,568 made by the State of Minnesota for the Relief Association. The City also contributed $6,000 to the Relief Association. E. Net Pension Liability The City’s net pension liability was measured as of December 31, 2022, and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The total pension liability in the December 31, 2022, actuarial valuation was determined using the following actuarial assumptions, applied to all periods included in the measurement: Inflation 2.50 % Investment rate of return 4.75 %, net of pensions plan investment expense including inflation The value of death benefits is similar to the value of the retirement pension. Mortality rates for active members, retirees, and disabled were based on Pub-2010 tables, with mortality improvement scale MP- 2021, with slight adjustments for male rates. The long-term return on assets has been set based on the plan’s target investment allocation along with long-term return expectations by asset class. When there is sufficient historical evidence of market outperformance, historical average returns may be considered. Best estimates of arithmetic real rates of return for each major asset class included in the pension plan’s target asset allocation as of the measurement date are summarized in the table on the following page. City of St. Joseph Notes to Basic Financial Statements 76 NOTE 10 – PENSION PLANS (CONTINUED) Defined Benefit Pension Plan – Volunteer Fire Fighter’s Relief Association (Continued) E. Net Pension Liability (Continued) Asset Class Domestic equity 45 % 4.10 % International equity 10 4.64 Fixed income 40 1.05 Real estate and alternatives - 3.54 Cash and equivalents 5 -0.45 Total 100 % Target Allocation Long-Term Expected Real Rate of Return The discount rate used to measure the total pension liability was 4.75%. Assets were projected using expected benefit payments and expected asset returns. Expected benefit payments by year were discounted using the expected asset return assumption for years in which the assets were sufficient to pay all benefit payments. Any remaining benefit payments after the trust fund is exhausted are discounted at the municipal bond rate. The equivalent single rate is the discount rate. F. Changes in the Net Pension Liability Total Plan Fiduciary Net Pension Pension Net Liability Liability Position (Asset) (a) (b) (a) - (b) Balances at January 1, 2022 737,897$ 1,095,458$ (357,561)$ Changes for the year Service cost 36,598 - 36,598 Interest cost 36,789 - 36,789 Differences between expected and actual experience (19,521) - (19,521) Changes of assumptions (2,834) - (2,834) State and local contributions - 67,568 (67,568) Net investment income - (165,717) 165,717 Administrative expense - (8,947) 8,947 Net changes 51,032 (107,096) 158,128 Balances at December 31, 2021 788,929$ 988,362$ (199,433)$ Increase (Decrease) City of St. Joseph Notes to Basic Financial Statements 77 NOTE 10 – PENSION PLANS (CONTINUED) Defined Benefit Pension Plan – Volunteer Fire Fighter’s Relief Association (Continued) F. Changes in the Net Pension Liability (Continued) Sensitivity of the net pension liability to changes in the discount rate. The following presents the net pension liability of the City, calculated using the discount rate of 4.75%, as well as what the City’s net pension liability would be if it were calculated using a discount rate that is 1-percentage-point lower (3.75%) or 1-percentage-point higher (5.75%) than the current rate: 1% Decrease Current 1% Increase In Discount Rate Discount In Discount Rate (3.75%) Rate (4.75%) (5.75%) City's proportionate share of the Plan net position liability (asset) (171,249)$ (199,433)$ (226,932)$ Pension plan fiduciary net position. Detailed information about the pension plan’s fiduciary net position is available in the separately issued relief association financial report. G. Pension Expense and Deferred Outflows of Resources, and Deferred Inflows of Resources Related to Pensions For the year ended December 31, 2022, the City recognized pension expense of $57,481. At December 31, 2022, the City reported deferred outflows of resources and deferred inflows of resources related to pensions from the following sources: Deferred Deferred Outflows of Inflows of Resources Resources Differences between expected and actual liability -$ 52,124$ Changes of assumptions 52,020 2,505 Net difference between projected and actual earnings on pension plan investments 104,532 - Total 156,552$ 54,629$ City of St. Joseph Notes to Basic Financial Statements 78 NOTE 10 – PENSION PLANS (CONTINUED) Defined Benefit Pension Plan – Volunteer Fire Fighter’s Relief Association (Continued) G. Pension Expense and Deferred Outflows of Resources and Deferred Inflows of Resources Related to Pensions (Continued) Amounts reported as deferred outflows of resources and deferred inflows of resources related to pensions will be recognized in pension expense as follows: Year Ending December 31,Total 2023 8,988$ 2024 24,282 2025 37,659 2026 42,505 2027 (4,476) Therafter (7,035) Total 101,923$ NOTE 11 – COMMITMENTS The City has entered into contracts for construction as follows: Commitment 2022 Street Improvements 589,678$ 561,218$ 28,460$ Pumper/Tanker 744,980 336,748 408,232 Community Center Construction Manager 718,462 10,049 708,413 Community Center Design 620,500 23,225 597,275 Community Center Capital Campaign 420,000 227,500 192,500 Total 1,934,880$ Project Contract Amount Expended through 12/31/22 The community center project will be financed with $4,000,000 State MN bonding and $6,000,000 from local option sales tax money. City of St. Joseph Notes to Basic Financial Statements 79 NOTE 12 – TAX INCREMENT FINANCING The City has entered into four Tax Increment Financing agreements which meet the criteria for disclosure under Governmental Accounting Standards Board Statement No. 77 Tax Abatement Disclosures. The City’s authority to enter into these agreements comes from Minnesota Statute 469. The City entered into these agreements for the purpose of economic development. Under each agreement, the City and developer agree on an amount of development costs to be reimbursed to the developer by the City though tax revenues from the additional taxable value of the property generated by the development (tax increment). A "pay-as-you-go" note is established for this amount, on which the City makes payments for a fixed period of time with available tax increment revenue after deducting for certain administrative costs. During the year ended December 31, 2022, the City generated $151,291 in tax increment revenue and made $136,161, in payments to developers. In addition, the City had an abatement of $36,389 relating to a development agreement. NOTE 13 – PRIOR PERIOD ADJUSTMENT A prior period adjustment of $239,051 in the water fund, $83,056 in the sanitary sewer fund and $253,375 in the storm water fund was made to reallocated construction in progress costs, which were overbooked in the water fund and sanitary sewer fund and under booked in the storm water fund in the previous year. NOTE 14 – SUBSEQUENT EVENTS In April 2021 the City approved selling a portion of their pooled capacity in the St. Cloud wastewater treatment facility to the City of Foley. The City of St. Joseph received reimbursements from the City of Foley in 2022 of $1,449,288. The City of St. Joseph plans to use the reimbursements for future sewer improvements. The City has this recorded in unearned revenue and will recognize the revenue in 2023 when the City of Foley connects to the sewer system. NOTE 15 – NEW STANDARDS ISSUED BUT NOT YET IMPLEMENTED GASB Statement No. 96, Subscription-Based Information Technology Arrangements establishes that a Subscription-Based Information Technology Arrangement (SBITA) results in a right-to-use subscription asset and a corresponding liability. Under this statement, a governmental entity generally should recognize a right-to-use subscription asset – an intangible asset – and a corresponding subscription liability. This statement will be effective for the year ending December 31, 2023. 80 REQUIRED SUPPLEMENTARY INFORMATION See notes to required supplementary information. 81 City's Covered Payroll 2015 0.0138% 715,188$ -$ 715,188$ 799,773$ 89.42% 78.19% 2016 0.0135% 1,096,133 14,341 1,110,474 839,240 130.61% 68.91% 2017 0.0142% 906,519 11,418 917,937 916,373 98.92% 75.90% 2018 0.0142% 787,758 25,900 813,658 955,440 82.45% 79.53% 2019 0.0135% 746,385 23,166 769,551 956,520 78.03% 80.23% 2020 0.0145% 869,341 26,723 896,064 1,031,520 84.28% 79.06% 2021 0.0152% 649,108 19,868 668,976 1,096,507 59.20% 87.00% 2022 0.0155% 1,227,605 36,093 1,263,698 1,164,720 105.40% 76.67% Note: Schedule is intended to show ten year trend. Additional years will be reported as they become available. For Fiscal Year Ended June 30, City's Proportion of the Net Pension Liability (Asset) City's Proportionate Share of the Net Pension Liability (Asset) State's Proportionate Share (Amount) of the Net Pension Liability Associated with the City City's Proportionate Share of the Net Pension Liablility and the State's Proportionate Share of the Net Pension Liablility Associated with the City City's Covered Payroll City's Proportionate Share of the Net Pension Liability (Asset) as a Percentage of its Covered Payroll Plan Fiduciary Net Position as a Percentage of the Total Pension Liability 2015 0.0570% 647,653$ N/A 647,653$ 505,160$ 128.21% 86.61% 2016 0.0540% 2,167,114 N/A 2,167,114 518,580 417.89% 63.88% 2017 0.0540% 729,064 N/A 729,064 554,975 131.37% 85.43% 2018 0.0581% 614,057 N/A 614,057 612,154 100.31% 88.84% 2019 0.0559% 587,566 N/A 587,566 576,684 101.89% 89.26% 2020 0.0555% 726,554 17,262$ 743,816 613,525 121.24% 87.19% 2021 0.0618% 471,468 21,453 492,921 730,853 67.44% 93.66% 2022 0.0631% 2,745,862 120,034 2,865,896 767,124 373.59% 70.53% Note: Schedule is intended to show ten year trend. Additional years will be reported as they become available. Last Ten Years For Fiscal Year Ended June 30, State's Proportionate Share (Amount) of the Net Pension Liability Associated with the City City's Proportionate Share of the Net Pension Liability and the State's Proportionate Share of the Net Pension Liability Associated with the City Public Employees Police and Fire Retirement Fund of Net Pension Liability City of St. Joseph Schedule of City's Proportionate Share of Net Pension Liability Last Ten Years Schedule of City's Proportionate Share General Employees Retirement Fund City's Proportionate Share (Percentage) of the Net Pension Liability (Asset) City's Proportionate Share (Amount) of the Net Pension Liability (Asset) City's Proportionate Share of the Net Pension Liability (Asset) as a Percentage of its Covered Payroll Plan Fiduciary Net Position as a Percentage of the Total Pension Liability See notes to required supplementary information. 82 2015 57,804$ 57,804$ -$ 770,720$ 7.50% 2016 66,294 66,294 - 883,920 7.50% 2017 69,820 69,820 - 930,933 7.50% 2018 71,452 71,452 - 952,693 7.50% 2019 76,798 76,798 - 1,023,973 7.50% 2020 90,784 90,784 - 1,210,453 7.50% 2021 91,994 91,994 - 1,226,587 7.50% 2022 93,278 93,278 - 1,243,707 7.50% Note: Schedule is intended to show ten year trend. Additional years will be reported as they become available. 2015 85,925$ 85,925$ -$ 530,401$ 16.20% 2016 89,587 89,587 - 553,006 16.20% 2017 93,325 93,325 - 576,080 16.20% 2018 97,377 97,377 - 601,093 16.20% 2019 106,850 106,850 - 630,383 16.95% 2020 118,036 118,036 - 666,870 17.70% 2021 131,669 131,669 - 743,893 17.70% 2022 140,356 140,356 - 792,972 17.70% Note: Schedule is intended to show ten year trend. Additional years will be reported as they become available. Last Ten Years Contributions as a Percentage of Covered Payroll Statutorily Required Contribution Statutorily Required Contribution Contributions in Relation to the Statutorily Required Contributions Contribution Deficiency (Excess) Contributions in Relation to the Statutorily Required Contributions Fiscal Year Ending December 31, City's Covered Payroll Contributions as a Percentage of Covered Payroll Schedule of City Contributions - Public Employees Police and Fire Retirement Fund Fiscal Year Ending December 31, City of St. Joseph Schedule of City Contributions - General Employees Retirement Fund Last Ten Years Contribution Deficiency (Excess) City's Covered Payroll See notes to required supplementary information. 83 2015 2016 Total Pension Liability (TPL) Service cost 20,898$ 25,691$ Interest 29,709 35,786 Differenced between expected and actual experience - (29,935) Changes of assumptions 55,033 56,691 Changes of benefit terms 31,883 - Benefit payments, including refunds, or member contributions (41,168) (49,000) Net change in total pension liability 96,355 39,233 Beginning of year 475,033 571,388 End of Year 571,388$ 610,621$ Plan Fiduciary Net Pension (FNP) Contributions - employer 52,164$ 63,111$ Net investment income (41,979) 68,585 Benefit payments, including refunds of member contributions (41,168) (49,000) Administrative expense (8,121) (7,724) Net change in plan fiduciary net position (39,104) 74,972 Beginning of year 740,099 700,995 End of year 700,995$ 775,967$ Net pension liability (NPL)(129,607)$ (165,346)$ Plan fiduciary net position as a percentage of the total pension liability 122.7% 127.1% Covered employee payroll n/a n/a Net pension liability as a percentage of covered payroll n/a n/a The City implemented the Provisions of Governmental Accounting Standards Board Statement No. 68 for the year ended December 31, 2015. The schedules within the Required Supplementary Information section required a ten year presentation, but does not require retroactive reporting. Information prior to 2015 is not available. Additional years will be reported as they become available. Measurement Date City of St. Joseph Schedule of Changes in Net Pension Liability and Related Ratios - Fire Relief Association 84 2017 2018 2019 2020 2021 2022 25,641$ 27,172$ 28,180$ 30,292$ 34,333$ 36,598$ 33,188 32,052 32,323 37,109 35,949 36,789 - (35,760) - (9,251) - (19,521) 4,299 8,441 - 15,976 - (2,834) - - 28,541 59,260 32,566 - (118,151) - - - (174,884) - (55,023) 31,905 89,044 133,386 (72,036) 51,032 610,621 555,598 587,503 676,547 809,933 737,897 555,598$ 587,503$ 676,547$ 809,933$ 737,897$ 788,929$ 58,310$ 56,565$ 58,653$ 62,075$ 63,830$ 67,568$ 77,946 (50,418) 118,020 117,376 92,565 (165,717) (118,151) - - - (174,884) - (8,546) (7,582) (9,020) (8,297) (8,951) (8,947) 9,559 (1,435) 167,653 171,154 (27,440) (107,096) 775,967 785,526 784,091 951,744 1,122,898 1,095,458 785,526$ 784,091$ 951,744$ 1,122,898$ 1,095,458$ 988,362$ (229,928)$ (196,588)$ (275,197)$ (312,965)$ (357,561)$ (199,433)$ 141.4% 133.5% 140.7% 138.6% 148.5% 125.3% n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a Measurement Date See notes to required supplementary information. 85 2015 2016 Employer Statutorily determined contribution (SDC) -$ -$ Contribution in relation to the SDC 3,000 3,000 Contribution deficiency (excess) (3,000)$ (3,000)$ Non-employer 2% aid 52,164$ 60,111$ Covered employee payroll n/a n/a Contributions as a percentage of covered employee payroll n/a n/a The Association implemented the Provisions of Governmental Accounting Standards Board Statement No. 68 for the year ended December 31, 2015. The schedules within the Required Supplementary Information section required a ten year presentation, but does not require retroactive reporting. Information prior to 2015 is not available. Additional years will be reported as they become available. City of St. Joseph Schedule of Employer Contributions and Non-Employer Contributing Entities - Fire Relief Association 86 2017 2018 2019 2020 2021 2022 -$ -$ -$ -$ -$ -$ 3,000 3,000 3,000 3,000 3,000 6,000 (3,000)$ (3,000)$ (3,000)$ (3,000)$ (3,000)$ (6,000)$ 55,310$ 53,565$ 55,653$ 59,075$ 60,830$ 61,568$ n/an/an/an/an/an/a n/an/an/an/an/an/a City of St. Joseph Notes to Required Supplementary Information 87 General Employees Fund 2022 Changes Changes in Actuarial Assumptions  The mortality improvement scale was changed from scale MP-2020 to scale MP-2021. Changes in Plan Provisions  There have been no changes since the prior valuation. 2021 Changes Changes in Actuarial Assumptions  The investment return and single discount rates were changed from 7.5% to 6.5% for financial reporting purposes.  The mortality improvement scale was changed from scale MP-2019 to scale MP-2020. Changes in Plan Provisions  There have been no changes since the prior valuation. 2020 Changes Changes in Actuarial Assumptions  The price inflation assumption was decreased from 2.5% to 2.25%.  The payroll growth assumption was decreased from 3.25% to 3.0%.  Assumed salary increase rates were changed as recommended in the June 30, 2019, experience study. The net effect is assumed rates that average 0.25% less than previous rates.  Assumed rates of retirement were changed as recommended in the June 30, 2019, experience study. The changes result in more unreduced (normal) retirements and slightly fewer Rule of 90 and early retirements.  Assumed rates of termination were changes as recommended in the June 30, 2019, experience study. The new rates are based on service and are generally lower than the previous rates for years 2-5 and slightly higher thereafter.  Assumed rates of disability were changed as recommended in the June 30, 2019, experience study. The change results in fewer predicted disability retirements for males and females.  The base mortality table for healthy annuitants and employees was changed from the RP-2014 table to the Pub-2010 General Mortality table, with adjustments. The base mortality table for disabled annuitants was changed from the RP-2014 disabled annuitant mortality table to the Pub-2010 General/Teacher disabled annuitant mortality table, with adjustments.  The mortality improvement scale was changed from Scale MP-2018 to Scale MP-2019.  The assumed spouse age difference was changed from two years older for females to one year older.  The assumed number of married male new retirees electing the 100% Joint and Survivor option changed from 35% to 45%. The assumed number of married female new retires electing the 100% Joint and Survivor option changed from 15% to 30%. The corresponding number of married new retirees electing the Life annuity option was adjusted accordingly. Changes in Plan Provisions  Augmentation for current privatized members was reduced to 2.0% for the period July 1, 2020 through December 31, 2023, and 0.0% thereafter. Augmentation was eliminated for privatizations occurring after June 30, 2020. City of St. Joseph Notes to Required Supplementary Information 88 2019 Changes Changes in Actuarial Assumptions  The mortality projection scale was changed from MP-2017 to MP-2018. Changes in Plan Provisions  The employer supplemental contribution was changed prospectively, decreasing from $31.0 million to $21.0 million per year. The State’s special funding contribution was changed prospectively, requiring $16.0 million due per year through 2031. 2018 Changes Changes in Actuarial Assumptions  The mortality projection scale was changed from MP-2015 to MP-2017.  The assumed benefit increase was changed from 1.0% per year through 2044 and 2.5% per year thereafter to 1.25% per year. Changes in Plan Provisions  The augmentation adjustment in early retirement factors is eliminated over a five-year period starting July 1, 2019, resulting in actuarial equivalence after June 30, 2024.  Interest credited on member contributions decreased from 4.00% to 3.00%, beginning July 1, 2018.  Deferred augmentation was changed to 0.00%, effective January 1, 2019. Augmentation that has already accrued for deferred members will still apply.  Contribution stabilizer provisions were repealed.  Postretirement benefit increases were changed from 1.00% per year with a provision to increase to 2.50% upon attainment of 90.00% funding ratio to 50.00% of the Social Security Cost of Living Adjustment, not less than 1.00% and not more than 1.50%, beginning January 1, 2019.  For retirements on or after January 1, 2024, the first benefit increase is delayed until the retiree reaches normal retirement age; does not apply to Rule of 90 retirees, disability benefit recipients, or survivors.  Actuarial equivalent factors were updated to reflect revised mortality and interest assumptions. 2017 Changes Changes in Actuarial Assumptions  The CSA loads were changed from 0.8% for active members and 60% for vested and non-vested deferred members. The revised CSA loads are now 0.0% for active member liability, 15% for vested deferred member liability and 3% for non-vested deferred member liability.  The assumed post-retirement benefit increase rate was changed from 1.0% per year for all years to 1.0% per year through 2044 and 2.5% per year thereafter. Changes in Plan Provisions  The State’s contribution for the Minneapolis Employees Retirement Fund equals $16,000,000 in 2017 and 2018, and $6,000,000 thereafter.  The Employer Supplemental Contribution for the Minneapolis Employees Retirement Fund changed from $21,000,000 to $31,000,000 in calendar years 2019 to 2031. The State’s contribution changed from $16,000,000 to $6,000,000 in calendar years 2019 to 2031. City of St. Joseph Notes to Required Supplementary Information 89 General Employees Fund (Continued) 2016 Changes Changes in Actuarial Assumptions  The assumed post-retirement benefit increase rate was changed from 1.0% per year through 2035 and 2.5% per year thereafter to 1.0% per year for all future years.  The assumed investment return was changed from 7.9% to 7.5%. The single discount rate was changed from 7.9% to 7.5%.  Other assumptions were changed pursuant to the experience study dated June 30, 2015. The assumed future salary increases, payroll growth, the inflation was decreased by 0.25% to 3.25% for payroll growth and 2.50% for inflation. Changes in Plan Provisions  There have been no changes since the prior valuation. 2015 Changes Changes in Actuarial Assumptions  The assumed post-retirement benefit increase rate was changed from 1.0% per year through 2030 and 2.5% per year thereafter to 1.0% per year through 2035 and 2.5% per year thereafter. Changes in Plan Provisions  On January 1, 2015, the Minneapolis Employees Retirement Fund was merged into the General Employees Fund, which increased the total pension liability by $1.1 billion and increased the fiduciary plan net position by $892 million. Upon consolidation, state and employer contributions were revised; the State’s contribution of $6.0 million, which meets the special funding situation definition, was due September 2015. City of St. Joseph Notes to Required Supplementary Information 90 Police and Fire Fund 2022 Changes Changes in Actuarial Assumptions  The mortality improvement scale was changed from scale MP-2020 to scale MP-2021.  The single discount rate was changed from 6.5% to 5.4%. Changes in Plan Provisions  There have been no changes since the prior valuation. 2021 Changes Changes in Actuarial Assumptions  The investment return and single discount rates were changed from 7.5% to 6.5% for financial reporting purposes.  The inflation assumption was changed from 2.5% to 2.25%.  The payroll growth assumption was changed from 3.25% to 3.0%.  The base mortality table for healthy annuitants and employees was changed from the RP-2014 table to the Pub-2010 Public Safety mortality table. The mortality improvement scale was changed from MP-2019 to MP-2020.  The base mortality table for disabled annuitants was changed from the RP-2014 healthy annuitant mortality table (with future mortality improvement according to scale MP-2019) to the Pub-2010 Public Safety disabled annuitant mortality table (with future mortality improvement according to scale MP-2020).  Assumed rates of salary increase were modified as recommended in the July 14, 2020, experience study. The overall impact is a decrease in gross salary increase rates.  Assumed rates of retirement were changed as recommended in the July 14, 2020, experience study. The changes resulted in slightly more unreduced retirements and fewer assumed early retirements.  Assumed rates of withdrawal were changed from select and ultimate rates to service-based rates. The changes resulted in more assumed terminations.  Assumed rates of disability were increased for ages 25-44 and decreased for ages over 49. Overall, proposed rates resulted in more projected disabilities.  Assumed percent married for active female members was changed from 60% to 70%. Minor changes to form of payment assumptions were applied. Changes in Plan Provisions  There have been no changes since the prior valuation. 2020 Changes Changes in Actuarial Assumptions  The mortality projection scale was changed from MP-2018 to MP-2019. Changes in Plan Provisions  There have been no changes since the prior valuation. City of St. Joseph Notes to Required Supplementary Information 91 Police and Fire Fund (Continued) 2019 Changes Changes in Actuarial Assumptions  The mortality projection scale was changed from MP-2017 to MP-2018. Changes in Plan Provisions  There have been no changes since the prior valuation. 2018 Changes Changes in Actuarial Assumptions  The mortality projection scale was changed from MP-2016 to MP-2017. Changes in Plan Provisions  Postretirement benefit increases were changed to 1.00% for all years, with no trigger.  An end date of July 1, 2048, was added to the existing $9.0 million state contribution.  New annual state aid will equal $4.5 million in fiscal years 2019 and 2020, and $9.0 million thereafter until the plan reaches 100% funding, or July 1, 2048, if earlier.  Member contributions were changed from 10.80% to 11.30% of pay, effective January 1, 2019, and 11.80% of pay, effective January 1, 2020.  Employer contributions were changed from 16.20% to 16.95% of pay, effective January 1, 2019, and 17.70% of pay, effective January 1, 2020.  Interest credited on member contributions decreased from 4.00% to 3.00%, beginning July 1, 2018.  Deferred augmentation was changed to 0.00%, effective January 1, 2019. Augmentation that has already accrued for deferred members will still apply.  Actuarial equivalent factors were updated to reflect revised mortality and interest assumptions. 2017 Changes Changes in Actuarial Assumptions  Assumed salary increases were changed as recommended in the June 30, 2016, experience study. The net effect is proposed rates that average 0.34% lower than the previous rates.  Assumed rates of retirement were changed, resulting in fewer retirements.  The CSA load was 30% for vested and non-vested deferred members. The CSA has been changed to 33% for vested members and 2% for non-vested members.  The base mortality table for healthy annuitants was changed from the RP-2000 fully generational table to the RP-2014 fully generational table (with a base year of 2006), with male rates adjusted by a factor of 0.96. The mortality improvement scale was changed from Scale AA to Scale MP- 2016. The base mortality table for disabled annuitants was changed from the RP-2000 disabled mortality table to the mortality tables assumed for healthy retirees.  Assumed termination rates were decreased to 3% for the first three years of service. Rates beyond the select period of three years were adjusted, resulting in more expected terminations overall.  Assumed percentage of married female members was decreased from 65% to 60%. City of St. Joseph Notes to Required Supplementary Information 92 Police and Fire Fund (Continued) 2017 Changes (Continued) Changes in Actuarial Assumptions (Continued  Assumed age difference was changed from separate assumptions for male members (wives assumed to be three years younger) and female members (husbands assumed to be four years older) to the assumption that males are two years older than females.  The assumed percentage of female members electing Joint and Survivor annuities was increased.  The assumed post-retirement benefit increase rate was changed from 1% for all years to 1% per year through 2064 and 2.5% thereafter.  The single discount rate was changed from 5.6% per annum to 7.5% per annum. Changes in Plan Provisions  There have been no changes since the prior valuation. 2016 Changes Changes in Actuarial Assumptions  The assumed post-retirement benefit increase rate was changed from 1.0% per year through 2037 and 2.5% thereafter to 1.0% per year for all future years.  The assumed investment return was changed from 7.9% to 7.5%. The single discount rate changed from 7.9% to 5.6%.  The single discount rate changed from 7.90% to 5.60%.  The assumed future salary increases, payroll growth, and inflation were decreased by 0.25% to 3.25% for payroll growth and 2.50% for inflation. Changes in Plan Provisions  There have been no changes since the prior valuation. 2015 Changes Changes in Actuarial Assumptions  The assumed post-retirement benefit increase rate was changed from 1.0% per year through 2030 and 2.5% per year thereafter to 1.0% per year through 2037 and 2.5% per year thereafter. Changes in Plan Provisions  The post-retirement benefit increase to be paid after attainment of the 90% funding threshold was changed, from inflation up to 2.5%, to a fixed rate of 2.5%. City of St. Joseph Notes to Required Supplementary Information 93 Fire Relief Association 2022 Changes Changes in Plan Provisions  The disability, mortality and withdrawal assumptions were updated from the rates used in the July 1, 2020 Minnesota PERA Police & Fire Plan actuarial valuation to the rates use in the July 1, 2022 Minnesota PERA Police & Fire Plan actuarial valuation.  The inflation assumption decreased from 2.50% to 2.25%. 2021 Changes Changes in Plan Provisions  The benefit level increased from $2,300 to $2,400 per year. 2020 Changes Changes in Plan Provisions  The benefit level increased from $2,100 to $2,300 per year. Changes in Actuarial Assumptions  The discount rate was changed from 5.25% to 4.75%. 94 REQUIRED SUPPLEMENTARY INFORMATION 95 Original Budget Final Budget Actual Amounts Revenues Property taxes 2,095,595$ 2,095,595$ 2,102,211$ 6,616$ Miscellaneous taxes 4,000 4,000 731 (3,269) Special assessments 4,000 4,000 4,891 891 Franchise fees 138,200 138,200 140,259 2,059 Licenses and permits 185,720 185,720 307,357 121,637 Intergovernmental revenue Local government aid 1,217,349 1,217,349 1,217,348 (1) Police aid 85,500 85,500 101,131 15,631 Federal grants 452,270 452,270 437,117 (15,153) State grants 86,245 86,245 99,798 13,553 Other grants and aids 26,000 26,000 27,826 1,826 Total intergovernmental revenue 1,867,364 1,867,364 1,883,220 15,856 Charges for services General government 18,175 18,175 12,874 (5,301) Public safety 1,800 1,800 2,987 1,187 Public works 5,060 5,060 4,586 (474) Culture and recreation 18,750 18,750 32,610 13,860 Total charges for services 43,785 43,785 53,057 9,272 Fines and forfeitures 66,000 66,000 78,924 12,924 Miscellaneous revenues Investment income 35,000 35,000 (113,653) (148,653) Contributions and donations 3,000 3,000 7,828 4,828 Other 47,800 47,800 73,360 25,560 Total miscellaneous revenues 85,800 85,800 (32,465) (118,265) Total revenues 4,497,464 4,490,464 4,538,185 47,721 Expenditures General government Mayor and council 81,955 81,955 101,101 19,146 Administrative and finance 592,190 592,190 653,209 61,019 Other general government 338,890 338,890 324,556 (14,334) Capital outlay 109,250 109,250 80,524 (28,726) Total general government 1,122,285 1,122,285 1,159,390 37,105 City of St. Joseph Schedule of Revenues, Expenditures, and Changes in Fund Balance - Budget and Actual - General Fund Year Ended December 31, 2022 Variance with Final Budget - Over (Under) 96 Original Budget Original and Final Budget Actual Amounts Expenditures Public safety Police Current 1,677,100$ 1,677,100$ 1,572,170$ (104,930)$ Capital outlay 68,050 68,050 121,249 53,199 Total police 1,745,150 1,745,150 1,693,419 (51,731) Fire Current 10,000 10,000 15,044 5,044 Capital outlay 96,000 96,000 179,228 83,228 Total fire 106,000 106,000 194,272 88,272 Other Current 99,040 99,040 114,402 15,362 Capital outlay 1,500 1,500 2,265 765 Total other 100,540 100,540 116,667 16,127 Total public safety 1,951,690 1,951,690 2,004,358 52,668 Public works Streets and highways Street maintenance and storm sewers 484,880 487,380 543,381 56,001 Snow and ice removal 146,975 161,975 160,786 (1,189) Street engineering 45,000 45,000 12,333 (32,667) Capital outlay 188,500 171,000 111,187 (59,813) Total public works 865,355 865,355 827,687 (37,668) Culture and recreation Current 776,205 778,705 574,640 (204,065) Capital outlay 25,500 23,000 423 (22,577) Total culture and recreation 801,705 801,705 575,063 (226,642) Total expenditures 4,741,035 4,741,035 4,566,498 (174,537) Excess of revenues over (under) expenditures (243,571) (250,571) (28,313) 222,258 Other Financing Sources (Uses) Insurance recoveries - - 30,198 30,198 Sale of property 7,000 7,000 14,850 7,850 Transfers in 13,340 13,340 69,391 56,051 Transfers out - - (259,064) (259,064) Total other financing sources (uses) 20,340 20,340 (144,625) (164,965) Net change in fund balances (223,231)$ (230,231)$ (172,938) 57,293$ Fund Balances Beginning of year 4,189,204 End of year 4,016,266$ Variance with Final Budget - Over (Under) City of St. Joseph Schedule of Revenues, Expenditures, and Changes in Fund Balance - Budget and Actual - General Fund Year Ended December 31, 2022 97 Economic Development Authority (250) TIF 2-1 Millstream Shops and Lofts (257) TIF 2-3 Bayou Blues/ Alley Flat (259) Assets Cash and investments 47,521$ 38,005$ 18,064$ Taxes receivable - delinquent 877 - - Special assessments receivable Delinquent - - - Deferred - - - Accounts receivable - - - Interest receivable 394 193 20 Due from other funds 6,800 - - Due from other governments 5,680 - - Notes receivable - - - Total assets 61,272$ 38,198$ 18,084$ Liabilities Accounts payable 6,195$ -$ 17,959$ Contracts payable - - - Due to other funds - - 6,800 Salaries and benefits payable 793 - - Total liabilities 6,988 - 24,759 Deferred Inflows of Resources Unavailable revenue - property taxes 877 - - Unavailable revenue - special assessments - - - Total deferred inflows of resources 877 - - Fund Balances Restricted - 38,198 - Committed 53,407 - - Assigned - - - Unassigned - - (6,675) Total fund balances 53,407 38,198 (6,675) Total liabilities, deferred inflows of resources, and fund balances 61,272$ 38,198$ 18,084$ City of St, Joseph Combining Balance Sheet - Nonmajor Governmental Funds December 31, 2021 Special Revenue 98 TIF 4-1 Fortitude Senior Housing (253) State Collected Sales Tax (200) Park Dedication (205) Charitable Gambling (215) Lodging Tax (220) Revolving Loan (251) Deed Housing (225) 21,997$ 1,349,442$ 298,893$ 428$ 19,169$ 454,232$ 53,695$ - - - - - - - - - - - - - - - - - - - - - - - 31 - 1,252 - - 102 5,388 1,404 2 94 2,115 238 - - - - - - - - 183,622 317 - - - - - - - - - 54,802 - 22,099$ 1,538,452$ 300,645$ 430$ 20,515$ 511,149$ 53,933$ -$ -$ 303$ -$ 1,390$ -$ -$ - 5,405 - - - - - - - - - - - - - - - - - - - - 5,405 303 - 1,390 - - - - - - - - - - - - - - - - - - - - - - - 22,099 1,533,047 300,342 430 19,125 84,095 53,933 - - - - - 427,054 - - - - - - - - - - - - - - - 22,099 1,533,047 300,342 430 19,125 511,149 53,933 22,099$ 1,538,452$ 300,645$ 430$ 20,515$ 511,149$ 53,933$ Special Revenue 99 Special Revenue St. Joseph Fire Services (210) G.O. Capital Improvement Plan Bonds of 2016A (301) G.O. Improvement Bonds of 2016B (304) G.O. Improvement Bonds of 2017B (305) Assets Cash and investments 778,425$ 261,426$ 203,284$ 12,600$ Taxes receivable - delinquent 19 1,256 22 92 Special assessments receivable Delinquent - - - - Deferred - - 557,856 37,428 Accounts receivable - - 9,577 - Interest receivable 3,768 1,143 1,254 137 Due from other funds - - - - Due from other governments 5,260 2,009 8 241 Notes receivable - - - - Total assets 787,472$ 265,834$ 772,001$ 50,498$ Liabilities Accounts payable 8,020$ -$ -$ -$ Contracts payable - - - - Due to other funds - - - - Salaries and benefits payable 81,634 - - - Total liabilities 89,654 - - - Deferred Inflows of Resources Unavailable revenue - property taxes 19 1,256 22 92 Unavailable revenue - special assessments - - 557,856 37,428 Total deferred inflows of resources 19 1,256 557,878 37,520 Fund Balances Restricted 697,799 264,578 214,123 12,978 Committed - - - - Assigned - - - - Unassigned - - - - Total fund balances 697,799 264,578 214,123 12,978 Total liabilities, deferred inflows of resources, and fund balances 787,472$ 265,834$ 772,001$ 50,498$ City of St. Joseph Combining Balance Sheet - Nonmajor Governmental Funds December 31, 2021 Debt Service 100 2018A Equipment Certificate (306) G.O. Improvement Bonds of 2019A (307) 2021 Improvement Bond [MN St/Overlays] (311) 2020A Equipment Certificate (309) G.O. Improvement Bond of 2020B (310) G.O. Capital Improvement Bonds of 2020B (312) 1,875$ 240,892$ 71,281$ 2,076$ 97,866$ 12,428$ 260 608 138 333 - - - - 720 - - - - 314,251 351,343 - 24,840 - - - - - - - 60 1,293 6,550 147 2,447 169 - - - - - - 445 2,116 679 355 508 453 - - - - - - 2,640$ 559,160$ 430,711$ 2,911$ 125,661$ 13,050$ -$ -$ -$ 3,705$ -$ -$ - - - - - - - - - - - - - - - - - - - - - 3,705 - - 260 608 138 333 - - - 314,251 352,063 - 24,840 - 260 314,859 352,201 333 24,840 - 2,380 244,301 78,510 - 100,821 13,050 - - - - - - - - - - - - - - - (1,127) - - 2,380 244,301 78,510 (1,127) 100,821 13,050 2,640$ 559,160$ 430,711$ 2,911$ 125,661$ 13,050$ Debt Service 101 G.O. Improvement Bonds of 2013A/2020B (313) Crossover Improvement Bonds of 2014A/2020C (314) G.O. Abatement Bonds 2022A (302) G.O. Improvement Bonds of 2022 (315) Assets Cash and investments 27,010$ 51,320$ 204,843$ 103,782$ Taxes receivable - delinquent 181 811 - - Special assessments receivable Delinquent 140 - - - Deferred 7,426 61,172 - 162,719 Accounts receivable - - - - Interest receivable 213 502 12,770 776 Due from other funds - - - - Due from other governments 302 925 - - Notes receivable - - - - Total assets 35,272$ 114,730$ 217,613$ 267,277$ Liabilities Accounts payable -$ -$ 16,400$ 1,600$ Contracts payable - - - - Due to other funds - - - - Salaries and benefits payable - - - - Total liabilities - - 16,400 1,600 Deferred Inflows of Resources Unavailable revenue - property taxes 181 811 - - Unavailable revenue - special assessments 7,566 61,172 - 162,719 Total deferred inflows of resources 7,747 61,983 - 162,719 Fund Balances Restricted 27,525 52,747 201,213 102,958 Committed - - - - Assigned - - - - Unassigned - - - - Total fund balances 27,525 52,747 201,213 102,958 Total liabilities, deferred inflows of resources, and fund balances 35,272$ 114,730$ 217,613$ 267,277$ City of St. Joseph Combining Balance Sheet - Nonmajor Governmental Funds December 31, 2021 Debt Service 102 Debt Service G.O. Equipment Certificate 2022A (316) 2021 Street Overlay Project (411) 2019 Industrial Park Project (408) 2020 20th Avenue Watermain Loop (410) 2022 Street Improvement Project (415) 2022 Fire Truck Equipment Certificate (416) 22,325$ 903,345$ 227,849$ 396,194$ 59,379$ 355,811$ - - - - - - - - - - - - - - - - - - - - - - - - 873 - - - - - - - - - - - - 149,000 - - - - - - - - - - 23,198$ 1,052,345$ 227,849$ 396,194$ 59,379$ 355,811$ 2,000$ 14,475$ -$ -$ 2,218$ -$ - 493,743 - 10,091 16,867 - - - - - - - - - - - - - 2,000 508,218 - 10,091 19,085 - - - - - - - - - - - - - - - - - - - 21,198 - - - - - - - - - - - - 544,127 227,849 386,103 40,294 355,811 - - - - - - 21,198 544,127 227,849 386,103 40,294 355,811 23,198$ 1,052,345$ 227,849$ 396,194$ 59,379$ 355,811$ Capital Projects 103 2023 Street Imp/Elm St ROW Acq (417) Water Access Fund (501) Sewer Access Fund (502) Total Governmental Funds Assets Cash and investments 9,676$ 359,266$ 10,058$ 6,714,457$ Taxes receivable - delinquent - - - 4,597 Special assessments receivable Delinquent - - - 860 Deferred - - - 1,517,035 Accounts receivable - 3,575 3,575 18,010 Interest receivable - - - 42,052 Due from other funds - - - 6,800 Due from other governments - - - 351,920 Notes receivable - - - 54,802 Total assets 9,676$ 362,841$ 13,633$ 8,710,533$ Liabilities Accounts payable 9,676$ -$ -$ 83,941$ Contracts payable - - - 526,106 Due to other funds 9,676 - - 16,476 Salaries and benefits payable - - - 82,427 Total liabilities 19,352 - - 708,950 Deferred Inflows of Resources Unavailable revenue - property taxes - - - 4,597 Unavailable revenue - special assessments - - - 1,517,895 Total deferred inflows of resources - - - 1,522,492 Fund Balances Restricted - - - 4,085,450 Committed - - - 480,461 Assigned - 362,841 13,633 1,930,658 Unassigned (9,676) - - (17,478) Total fund balances (9,676) 362,841 13,633 6,479,091 Total liabilities, deferred inflows 9,676$ 362,841$ 13,633$ 8,710,533$ City of St. Joseph Combining Balance Sheet - Nonmajor Governmental Funds December 31, 2021 Capital Projects 104 (THIS PAGE LEFT BLANK INTENIONALLY) 105 Economic Development Authority (250) TIF 2-1 Millstream Shops and Lofts (257) TIF 2-3 Bayou Blues/Alley Flat (259) Revenues Property taxes 114,941$ -$ -$ Tax increments - 41,456 39,909 Sales taxes - - - Lodging taxes - - - Special assessments - - - Intergovernmental 4,457 - - Charges for services 4,061 - - Miscellaneous Investment income (2,211) (1,085) (113) Contributions and donations - - - Revolving loan repayments - - - Other - - - Total revenues 121,248 40,371 39,796 Expenditures Current Public safety - - - Culture and recreation - - - Economic development 109,046 38,385 38,025 Debt service Principal - - - Interest and other charges - - - Capital outlay General government - - - Public safety - - - Public works - - - Culture and recreation - - - Economic development - - - Total expenditures 109,046 38,385 38,025 Excess of revenues over (under) expenditures 12,202 1,986 1,771 Other Financing Sources (Uses) Sale of property - - - Bonds issued - - - Bond premium - - - Transfers in - - - Transfers out (50,000) - - Total other financing sources (uses) (50,000) - - Net change in fund balances (37,798) 1,986 1,771 Fund Balances Beginning of year 91,205 36,212 (8,446) End of year 53,407$ 38,198$ (6,675)$ City of St. Joseph Combining Statement of Revenues, Expenditures, and Changes in Fund Balances - Nonmajor Governmental Funds Year Ended December 31, 2022 Special Revenue 106 TIF 4-1 Fortitude Senior Housing (253) State Collected Sales Tax (200) Park Dedication (205) Charitable Gambling (215) Lodging Tax (220) Revolving Loan (251) -$ -$ 30,000$ -$ -$ -$ 69,926 - - - - - - 649,225 - - - - - - - - 15,757 - - - - - - - - - - - - - - - 182 - - - (571) (30,254) (7,881) (14) (526) (11,714) - - 1,033 1,000 - - - - - - - 69,054 - - - - 1,444 - 69,355 618,971 23,334 986 16,675 57,340 - - - - - - - - - 1,207 - - 64,092 - - - 18,852 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 23,411 86,871 - - - - - - - - - 64,092 23,411 86,871 1,207 18,852 - 5,263 595,560 (63,537) (221) (2,177) 57,340 - - - - - - - - - - - - - - - - - - - - 99,700 - - 50,000 - (5,000) - - - - - (5,000) 99,700 - - 50,000 5,263 590,560 36,163 (221) (2,177) 107,340 16,836 942,487 264,179 651 21,302 403,809 22,099$ 1,533,047$ 300,342$ 430$ 19,125$ 511,149$ Special Revenue 107 Deed Housing (225) St. Joseph Fire Services (210) G.O. Improvement Bonds of 2010B (345) G.O. Improvement Bonds of 2015A (351) Revenues Property taxes -$ 181,646$ 12,000$ 28,000$ Tax increments - - - - Sales taxes - - - - Lodging taxes - - - - Special assessments - - 16,372 21,231 Intergovernmental - 72,066 - - Charges for services - 127,411 - - Miscellaneous Investment income (1,340) (21,159) (2,504) (3,021) Contributions and donations - 3,964 - - Revolving loan repayments - - - - Other 12,861 4,793 - - Total revenues 11,521 368,721 25,868 46,210 Expenditures Current Public safety - 396,430 - - Culture and recreation - - - - Economic development 782 - - - Debt service Principal - - 240,000 245,000 Interest and other charges - - 8,148 7,498 Capital outlay General government - - - - Public safety - 19,968 - - Public works - - - - Culture and recreation - - - - Economic development - - - - Total expenditures 782 416,398 248,148 252,498 Excess of revenues over (under) expenditures 10,739 (47,677) (222,280) (206,288) Other Financing Sources (Uses) Sale of property - 70,000 - - Bonds issued - - - - Bond premium - - - - Transfers in - - 143,000 119,364 Transfers out - (17,000) (15,348) - Total other financing sources (uses) - 53,000 127,652 119,364 Net change in fund balances 10,739 5,323 (94,628) (86,924) Fund Balances Beginning of year 43,194 692,476 94,628 86,924 End of year 53,933$ 697,799$ -$ -$ City of St. Joseph Combining Statement of Revenues, Expenditures, and Changes in Fund Balances - Nonmajor Governmental Funds Year Ended December 31, 2022 Debt ServiceSpecial Revenue 108 G.O. Capital Improvement Plan Bonds of 2016A (301) G.O. Improvement Bonds of 2016B (304) Capital Improvement Bonds of 2017A (303) G.O. Improvement Bonds of 2017B (305) 2018A Equipment Certificate (306) G.O. Improvement Bonds of 2019A (307) 254,667$ 993$ -$ 19,969$ 56,414$ 129,804$ - - - - - - - - - - - - - - - - - - - 31,921 - 8,585 - 91,876 - - - - - - - - - - - - (5,286) (7,043) (1,130) (767) (338) (7,261) - - - - - - - - - - - - - - 202,720 - - - 249,381 25,871 201,590 27,787 56,076 214,419 - - - - - - - - - - - - - - - - - - 195,000 50,000 168,000 34,000 54,000 155,000 78,605 11,762 2,008 6,067 3,236 58,313 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 273,605 61,762 170,008 40,067 57,236 213,313 (24,224) (35,891) 31,582 (12,280) (1,160) 1,106 - - - - - - - - - - - - - - - - - - 254,894 5,000 - - - 110,833 - - (104,894) - - - 254,894 5,000 (104,894) - - 110,833 230,670 (30,891) (73,312) (12,280) (1,160) 111,939 33,908 245,014 73,312 25,258 3,540 132,362 264,578$ 214,123$ -$ 12,978$ 2,380$ 244,301$ Debt Service 109 2021 Improvement Bond [MN St/Overlays] (311) 2020A Equipment Certificate (309) G.O. Improvement Bond of 2020B (310) G.O. Capital Improvement Bonds of 2020B (312) Revenues Property taxes 39,862$ 44,788$ 65,000$ 58,000$ Tax increments - - - - Sales taxes - - - - Lodging taxes Special assessments 274,106 - 81,640 - Intergovernmental - - - - Charges for services - - - - Miscellaneous Investment income (36,779) (827) (13,740) (951) Contributions and donations - - - - Revolving loan repayments - - - - Other - - - - Total revenues 277,189 43,961 132,900 57,049 Expenditures Current Public safety - - - - Culture and recreation - - - - Economic development - - - - Debt service Principal 260,000 43,000 65,000 60,000 Interest and other charges 131,792 2,629 11,632 13,003 Capital outlay General government - - - - Public safety - 3,705 - - Public works - - - - Culture and recreation - - - - Economic development - - - - Total expenditures 391,792 49,334 76,632 73,003 Excess of revenues over (under) expenditures (114,603) (5,373) 56,268 (15,954) Other Financing Sources (uses) Sale of property - - - - Bonds issued - - - - Bond premium - - - - Transfers in - - - - Transfers out - - - - Total other financing sources (uses) - - - - Net change in fund balances (114,603) (5,373) 56,268 (15,954) Fund Balances Beginning of year 193,113 4,246 44,553 29,004 End of year 78,510$ (1,127)$ 100,821$ 13,050$ Debt Service City of St. Joseph Combining Statement of Revenues, Expenditures, and Changes in Fund Balances - Nonmajor Governmental Funds December 31, 2021 110 Capital Projects G.O. Improvement Bonds of 2013A/2020B (313) Taxable Crossover Improvement Bonds of 2014A/2020C (314) G.O. Abatement Bonds 2022A (302) G.O. Improvement Bonds of 2022 (315) G.O. Equipment Certificate 2022A (316) 2021 Street Overlay Project (411) 29,898$ 116,564$ -$ -$ -$ -$ - - - - - - - - - - - - - - - - - - 8,351 10,764 - 53,258 - - - - - - - 400,558 - - - - - - (1,194) (2,820) (71,699) (4,357) (4,901) - - - - - - - - - - - - - - - - - - - 37,055 124,508 (71,699) 48,901 (4,901) 400,558 - - - - - - - - - - - - - - - - - - 45,000 145,000 - - - - 2,236 13,952 130,836 12,179 13,507 - - - - - - - - - - - - - - - - - - 781,783 - - - - - - - - - - - - 47,236 158,952 130,836 12,179 13,507 781,783 (10,181) (34,444) (202,535) 36,722 (18,408) (381,225) - - - - - - - - 403,748 21,236 22,606 - - - - 45,000 - - - - - - 17,000 - - - - - - - - - 403,748 66,236 39,606 - (10,181) (34,444) 201,213 102,958 21,198 (381,225) 37,706 87,191 - - - 925,352 27,525$ 52,747$ 201,213$ 102,958$ 21,198$ 544,127$ Debt Service 111 2019 Street Overlay Project (407) 2020 Equipment Certificates (409) 2020 20th Avenue Watermain Loop (410) 2022 Street Improvement Project (415) Revenues Property taxes -$ -$ -$ -$ Tax increments - - - - Sales taxes - - - - Lodging taxes - - - - Special assessments - - - 133,667 Intergovernmental - - - - Charges for services - - - - Miscellaneous Investment income - - - - Contributions and donations - - - - Revolving loan repayments - - - - Other - - - - Total revenues - - - 133,667 Expenditures Current Public safety - - - - Culture and recreation - - - - Economic development - - - - Debt service Principal - - - - Interest and other charges - - - - Capital outlay General government - 1,952 - - Public safety - 13,115 - - Public works - 2,285 2,697 670,404 Culture and recreation - 687 - - Economic development - - - - Total expenditures - 18,039 2,697 670,404 Excess of revenues over (under) expenditures - (18,039) (2,697) (536,737) Other Financing Sources (uses) Sale of property - - - - Bonds issued - - - 598,764 Bond premium - - - 5,217 Transfers in - - - - Transfers out (110,833) - - (13,475) Total other financing sources (uses) (110,833) - - 590,506 Net change in fund balances (110,833) (18,039) (2,697) 53,769 Fund Balances Beginning of year 110,833 18,039 388,800 (13,475) End of year -$ -$ 386,103$ 40,294$ Capital Projects City of St. Joseph Combining Statement of Revenues, Expenditures, and Changes in Fund Balances - Nonmajor Governmental Funds December 31, 2021 112 2022 Fire Truck Equipment Certificate (416) 2023 Street Imp/Elm St ROW Acq (417) Water Access Fund (501) Sewer Access Fund (502) Total Other Governmental Funds -$ -$ -$ -$ 1,182,546$ - - - - 151,291 - - - - 649,225 - - - - 15,757 - - - - 731,771 - - - - 477,081 - - 162,200 132,729 426,583 - - - - (241,486) - - - - 5,997 - - - - 69,054 - - - - 221,818 - - 162,200 132,729 3,689,637 - - - - 396,430 - - - - 1,207 - - - - 269,182 - - - - 1,759,000 - - - - 507,403 - - - - 1,952 336,748 - - - 373,536 - 9,676 - - 1,466,942 - - - - 110,969 - - - - - 336,748 9,676 - - 4,886,621 (336,748) (9,676) 162,200 132,729 (1,196,984) - - - - 70,000 637,394 - - - 1,683,748 55,165 - - - 105,382 - - - - 799,791 - - (180,000) (140,000) (636,550) 692,559 - (180,000) (140,000) 2,022,371 355,811 (9,676) (17,800) (7,271) 825,387 - - 380,641 20,904 5,653,704 355,811$ (9,676)$ 362,841$ 13,633$ 6,479,091$ Capital Projects 113 (THIS PAGE LEFT BLANK INTENIONALLY) 114 Report on Internal Control over Financial Reporting and on Compliance and Other Matters Based on an Audit of Financial Statements Performed in Accordance with Government Auditing Standards Independent Auditor’s Report Honorable Mayor and Members of the City Council City of St. Joseph St. Joseph, Minnesota We have audited, in accordance with auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in Government Auditing Standards issued by the Comptroller General of the United States, the financial statements of the governmental activities, the business-type activities, each major fund, and the aggregate remaining fund information of the City of St. Joseph, Minnesota, as of and for the year ended December 31, 2022, and the related notes to financial statements, which collectively comprise the City’s basic financial statements, and have issued our report thereon dated June 21, 2023. Report on Internal Control over Financial Reporting In planning and performing our audit of the financial statements, we considered the City’s internal control over financial reporting (internal control) as a basis for designing audit procedures that are appropriate in the circumstances for the purpose of expressing our opinions on the financial statements, but not for the purpose of expressing an opinion on the effectiveness of the City’s internal control. Accordingly, we do not express an opinion on the effectiveness of the City’s internal control. A deficiency in internal control exists when the design or operation of a control does not allow management or employees, in the normal course of performing their assigned functions, to prevent, or detect and correct, misstatements on a timely basis. A material weakness is a deficiency, or a combination of deficiencies, in internal control such that there is a reasonable possibility that a material misstatement of the City’s financial statements will not be prevented, or detected and corrected, on a timely basis. A significant deficiency is a deficiency, or a combination of deficiencies, in internal control that is less severe than a material weakness, yet important enough to merit attention by those charged with governance. Our consideration of internal control was for the limited purpose described in the first paragraph of this section and was not designed to identify all deficiencies in internal control that might be material weaknesses or significant deficiencies and therefore, material weaknesses or significant deficiencies may exist that were not identified. We did identify a certain deficiency in internal control, as described in the accompanying Schedule of Finding and Response on Internal Control that we consider to be a material weakness, listed as audit finding 2022-001. 115 Report on Compliance and Other Matters As part of obtaining reasonable assurance about whether the City’s financial statements are free from material misstatement, we performed tests of its compliance with certain provisions of laws, regulations, contracts and grant agreements, noncompliance with which could have a direct and material effect on the financial statements. However, providing an opinion on compliance with those provisions was not an objective of our audit, and accordingly, we do not express such an opinion. The results of our tests disclosed no instances of noncompliance or other matters that are required to be reported under Government Auditing Standards. City’s Response to Findings The City’s response to the finding identified in our audit is described in the accompanying Schedule of Finding and Response on Internal Control. The City’s response was not subjected to the auditing procedures applied in the audit of the financial statements and, accordingly, we express no opinion on the response. Purpose of this Report The purpose of this report is solely to describe the scope of our testing of internal control and compliance and the result of that testing, and not to provide an opinion on the effectiveness of the City’s internal control or on compliance. This report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the City’s internal control and compliance. Accordingly, this communication is not suitable for any other purpose. St. Cloud, Minnesota June 21, 2023 116 Minnesota Legal Compliance Independent Auditor’s Report Honorable Mayor and Members of the City Council City of St. Joseph St. Joseph, Minnesota We have audited, in accordance with auditing standards generally accepted in the United States of America, and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States, the financial statements of the governmental activities, the business-type activities, each major fund, and the aggregate remaining fund information of the City of St. Joseph, Minnesota, as of and for the year ended December 31, 2022, and the related notes to financial statements, which collectively comprise the City’s basic financial statements, and have issued our report thereon dated June 21, 2023. In connection with our audit, nothing came to our attention that caused us to believe that the City failed to comply with the provisions of the contracting and bidding, deposits and investments, conflicts of interest, public indebtedness, claims and disbursements, miscellaneous provisions, and tax increment financing sections of the Minnesota Legal Compliance Audit Guide for Cities, promulgated by the State Auditor pursuant to Minnesota Statutes § 6.65, insofar as they relate to accounting matters. However, our audit was not directed primarily toward obtaining knowledge of such noncompliance. Accordingly, had we performed additional procedures, other matters may have come to our attention regarding the City’s noncompliance with the above referenced provisions, insofar as they relate to accounting matters. The purpose of this report is solely to describe the scope of our testing of compliance and the results of that testing, and not to provide an opinion on compliance. Accordingly, this communication is not suitable for any other purpose. St. Cloud, Minnesota June 21, 2023 City of St. Joseph Schedule of Finding and Response on Internal Control 117 CURRENT AND PRIOR YEAR INTERNAL CONTROL FINDING Material Weakness Audit Finding 2022-001 – Improve Segregation of Accounting Duties Adequate segregation of accounting duties is in place when the four areas of a transaction have been separated: authorization, custody, recording, and reconciliation. As part of this year’s audit, we reviewed the City’s documentation of its internal control over significant areas including: cash receipts, cash disbursements, capital assets, payroll, and utility billing. The lack of adequate segregation of accounting duties could adversely affect the City’s ability to initiate, record, process, and report financial data consistent with the assertions of management in the financial statements. Some of the areas in which we noticed a lack of segregation or an overlap in duties are as follows: Cash Receipts The Accounting Technician enters cash and checks into the point-of-sale system, reconcile daily receipts, and sends late notices/calculates penalties. The Police Records Specialist records police receipts, receives payments, and reconciles the collections. A police officer takes the deposit to the bank. Cash Disbursements The Finance Director is also an authorized signer and has access to the Mayor’s electronic signature. The Administrator reviews and approves checks for payment. At year-end, the Finance Director reconciles and records accounts and contracts payable. Capital Assets The Finance Director records, processes, reconciles, and posts journal entries related to capital assets. Department heads review their listing for accuracy. Payroll The Finance Technician enters employee’s time, processes and posts payroll, generates a payroll report, distributes paystubs to employees, and posts the journal entries related to payroll. In addition, this same employee reconciles payroll accruals. The Finance Director reviews payroll reports and time off balances and calculates compensated absences balances for the audit. Utility Billing The Account Technician enters new accounts into the utility billing system and uploads meter readings via interfacing with electronic readers. The Account Technician enters any rate changes to the system and can enter manual adjustments. The Account Technician calculates and enters final bills, prints, and mails utility bills, reconciles receipts to billed amounts, and enters receipts batches. 118 City of St. Joseph Schedule of Finding and Response on Internal Control CURRENT AND PRIOR YEAR INTERNAL CONTROL FINDING (CONTINUED) Material Weakness (Continued) Audit Finding 2022-001 – Improve Segregation of Accounting Duties (Continued) Cash Reconciliation and Access The Finance Director performs the above noted responsibilities, while also reconciling cash, and generating manual journal entries. In addition, during our audit, we noted a prior period adjustment that was necessary to restate the beginning balances of CIP between the enterprise funds. City’s Response The City Council and City staff are aware of the limited personnel handling the City’s financial matters. The processes and internal controls are reviewed frequently to look for ways to improve internal controls. The department heads, City Clerk, City Administrator and City Council each have active roles in monitoring the financial matters of the City to provided additional oversight. It is unlikely complete segregation of accountings duties will be achieved due to the cost of hiring several additional staff. STAFF MEMO Prepared by: Lori Bartlett, Finance Director Meeting Date: 6-27-23 ☐ Consent Agenda Item ☒ Regular Agenda Item Agenda Item # 7 Reviewed by: City Administrator Item: Series 2023A Bond Issue ACTION REQUESTED Consider adoption of Resolution 2023-033 Approving the Issuance of General Obligation Bonds, Series 2023A. BOARD/COMMISSION/COMMITTEE RECOMMENDATION None PREVIOUS COUNCIL ACTION Council ordered improvements for the 2023 street improvements and purchase general city equipment as budgeted in the five-year capital plan. REFERENCE AND BACKGROUND Tammy Omdal, bond financial advisor from Northland Securities, has been working with city staff on the upcoming 2023A bond issue and provided the enclosed financial update. The 2023A bond issue includes two parts, GO Improvement Bonds and Equipment Certificates. The GO Improvement Bonds fund the 2023 street overlays in Northland Plats 3, 4, 5; Loso’s Add, Add 4, Add 5 and Townsite of St. Joseph; and Elm Street E. The project also includes sewer main replacement and paving alleys in the downtown block 2. The City includes two 5-year equipment certificates to purchase general city equipment that is difficult to fully fund with general levies. In 2023, the equipment needs include scanners, computers, mailing system, squads, defibulators, tractors, front-end loader, utility and pickup trucks, and snow plow. Attached you will find the following documents related to your upcoming bond issuance for consideration at the council meeting: - Trigger Resolutions – Authorizes the Mayor and Administrator to approve the 2023A bond pricing. This allows the bond sale to occur and lock into the best rate. The bond sale summary will be presented at the September 18th council meeting. - Finance Plan – Provides a detailed overview of the series 2023A bond issue (for reference only; no action needed). BUDGET IMPACT Up to $2,040,000 bond issue for 2023A Bonds STAFF RECOMMENDED ACTION Adopt Resolution 2023-033 Approving the issuance of General Obligation Bonds, Series 2023A Financing Plan 2023A SUPPORTING DATA/ATTACHMENTS Financing Plan 2023A Resolution 2023-033 Approving the Issuance of General Obligation Bonds, Series 2023A Finance Plan City of St. Joseph, Minnesota $2,020,000 General Obligation Bonds, Series 2023A June 27, 2023 150 South 5th Street, Suite 3300 Minneapolis, MN 55402 612-851-5900 800-851-2920 www.northlandsecurities.com Member FINRA and SIPC | Registered with SEC and MSRB Contents Executive Summary Issue Overview Purpose Authority Structure Security and Source of Repayment Plan Rationale Issuing Process Attachment 1 – Preliminary Debt Service Schedules Attachment 2 – Estimated Levy Schedules Attachment 3 – Related Considerations Bank Qualified Arbitrage Compliance Continuing Disclosure Premiums Rating Attachment 4 – Calendar of Events Attachment 5 - Risk Factors Northland Securities, Inc. Page 1 Executive Summary The following is a summary of the recommended terms for the issuance of $2,020,000 General Obligation Bonds, Series 2023A (the “Bonds”). Additional information on the proposed finance plan and issuing process can be found after the Executive Summary, in the Issue Overview and Attachment 3 – Related Considerations. Purpose Proceeds from the Bonds will be used to finance the City’s 2023 street improvements, the purchase of equipment and to pay costs associated with the issuance of the Bonds. Security The Bonds will be a general obligation of the City. The City will pledge special assessments collected from benefitted properties and property tax levies for payment of the Bonds. Repayment Term The Bonds will mature annually each December 15 in the years 2024 through 2033. Interest on the Bonds will be payable on June 15, 2024 and semiannually thereafter on each June 15 and December 15. Estimated Interest Rate True interest cost (TIC): 3.74% Prepayment Option Bonds maturing on and after December 15, 2032 will be subject to redemption on December 15, 2031 and any day thereafter at a price of par plus accrued interest. Rating A rating will be requested from Standard and Poor’s (S&P). The City’s general obligation debt is currently rated "AA-" by S&P. Tax Status The Bonds will be tax-exempt, bank qualified obligations. Risk Factors There are certain risks associated with all debt. Risk factors related to the Bonds are discussed in Attachment 5. Type of Bond Sale Negotiated Sale with Northland Securities, Inc. Estimated Pricing Day Monday, September 18, 2023 Council Consideration Monday, September 18, 2023, at 7:00 p.m. Northland Securities, Inc. Page 2 Issue Overview Purpose Proceeds from the Bonds will be used to finance the City’s 2023 street improvements (the “Improvement Portion”), the purchase of equipment (the “Equipment Portion”), and to pay costs associated with the issuance of the Bonds. The Bonds have been sized based on estimates provided by City staff. The table below contains the sources and uses of funds for the bond issue. Authority The Bonds will be issued pursuant to the authority of Minnesota Statutes, Section 412.301 and Chapters 429 and 475. Under Section 412.301, Capital Equipment includes, but is not limited to, road construction and maintenance equipment, public safety equipment and computer hardware and software, which must have a useful life at least as long as the term of the debt issued to finance the equipment . Effective July 1, 2023, the term of the Bonds cannot exceed 20 years from the date of issuance. If the amount of the Equipment Portion of the Bonds exceeds 0.25% of the estimated market value of the taxable property in the City, a reverse referendum provision applies. The City’s estimated market value for taxes payable in 2023 is $613,717,300 ($613,717,300 x 0.0025 = $1,534,293). Since the Equipment Portion of the Bonds does not exceed $1,534,293 the reverse referendum provision does not apply. Under Chapter 429, an Improvement means any type of improvement made under authority granted by section 429.021, which includes, but is not limited to, improvements to streets and sidewalks, storm and sanitary sewer systems, and street lighting systems. Before issuing bonds under Chapter 429, the City must hold a public hearing on the improvements and the proposed bonds and must then pass a resolution ordering the improvements by at least a 4/5 majority. A public hearing was held on April 17, 2023 and the resolution ordering the improvements was adopted with at least a 4/5 majority at the meeting. Structure The Improvement Portion of the Bonds has been structured to result in relatively level annual principal payments over 10 years. The special assessments have been structured to result in equal annual principal payments, resulting in a decreasing levy. The Equipment Portion has been structured to result in relatively level annual debt service payments over 5 years. The proposed structure for the bond issue and preliminary debt service projections are illustrated in Attachment 1 and the estimated levies are illustrated in Attachment 2. Equipment Improvement Issue Summary Sources Of Funds Par Amount of Bonds $460,000.00 $1,560,000.00 $2,020,000.00 Total Sources $460,000.00 $1,560,000.00 $2,020,000.00 Uses Of Funds Deposit to Project Construction Fund 443,695.00 1,513,900.00 1,957,595.00 Costs of Issuance 7,184.66 24,365.34 31,550.00 Total Underwriter's Discount (1.500%)6,900.00 23,400.00 30,300.00 Rounding Amount 2,220.34 (1,665.34)555.00 Total Uses $460,000.00 $1,560,000.00 $2,020,000.00 Northland Securities, Inc. Page 3 Security and Source of Repayment The Bonds will be a general obligation of the City. The finance plan relies on the following assumptions for the revenues used to pay debt service, as provided by City staff: • Special Assessments. The City is expected to levy special assessments against benefited properties in the amount of $574,600. The assessments will be payable over 10 years, with an interest rate of 2% over the average coupon on the Bonds (currently estimated to be 5.45%) and structured for level annual principal payments. The Plan assumes that the assessments will be levied in 2023 for initial payment in 2024. • Property Taxes. The remaining revenues needed to pay debt service on the Bonds are expected to come from property tax levies. The initial projections show an annual tax levy ranging from approximately $142,659 initially, down to $108,017 in the final year is needed to produce the statutory requirement of 105% of debt service, after accounting for assessments for the Improvement Portion of the Bonds. The initial projections show an annual levy averaging approximately $106,971 is needed to produce the statutory requirement of 105% of debt service for the Equipment Portion of the Bonds. The levies may be adjusted annually based on actual special assessment collections and additional monies in the debt service funds. The initial tax levies will be made in 2023 for taxes payable in 2024. Plan Rationale The Finance Plan recommended in this report is based on a variety of factors and information provided by the City related to the financed project and City objectives, Northland’s knowledge of the City and our experience in working with similar cities and projects. The issuance of General Obligation Bonds provides the best means of achieving the City’s objectives and cost-effective financing. The City has successfully issued and managed this type of debt for previous projects. Issuing Process The City has engaged Northland to act as underwriter for the Bonds pursuant to federal securities regulations. Northland will purchase the Bonds in an “arm’s length” negotiated sale. The calendar of events for the issuing process can be found in Attachment 4. Underwriter: Northland Securities, Inc., Minneapolis, Minnesota Bond Counsel: Taft Stettinius & Hollister, LLP, Minneapolis, Minnesota Paying Agent: Northland Trust Services, Inc. Minneapolis, Minnesota Northland Securities, Inc. Page 4 Attachment 1 – Preliminary Debt Service Schedules Combined *Based on estimated “AA” bank qualified rates as June 16, 2023, plus 0.25%. Date Principal Coupon Interest Total P+I Fiscal Total 10/17/2023 ----- 06/15/2024 --45,377.01 45,377.01 - 12/15/2024 245,000.00 3.550%34,318.75 279,318.75 324,695.76 06/15/2025 --29,970.00 29,970.00 - 12/15/2025 250,000.00 3.400%29,970.00 279,970.00 309,940.00 06/15/2026 --25,720.00 25,720.00 - 12/15/2026 245,000.00 3.300%25,720.00 270,720.00 296,440.00 06/15/2027 --21,677.50 21,677.50 - 12/15/2027 250,000.00 3.250%21,677.50 271,677.50 293,355.00 06/15/2028 --17,615.00 17,615.00 - 12/15/2028 255,000.00 3.300%17,615.00 272,615.00 290,230.00 06/15/2029 --13,407.50 13,407.50 - 12/15/2029 155,000.00 3.350%13,407.50 168,407.50 181,815.00 06/15/2030 --10,811.25 10,811.25 - 12/15/2030 155,000.00 3.400%10,811.25 165,811.25 176,622.50 06/15/2031 --8,176.25 8,176.25 - 12/15/2031 155,000.00 3.450%8,176.25 163,176.25 171,352.50 06/15/2032 --5,502.50 5,502.50 - 12/15/2032 155,000.00 3.500%5,502.50 160,502.50 166,005.00 06/15/2033 --2,790.00 2,790.00 - 12/15/2033 155,000.00 3.600%2,790.00 157,790.00 160,580.00 Total $2,020,000.00 -$351,035.76 $2,371,035.76 - Yield Statistics Bond Year Dollars $10,280.44 Average Life 5.089 Years Average Coupon 3.4145971% Net Interest Cost (NIC)3.7093315% True Interest Cost (TIC)3.7444962% Bond Yield for Arbitrage Purposes 3.4098356% All Inclusive Cost (AIC)4.1010049% IRS Form 8038 Net Interest Cost 3.4145971% Weighted Average Maturity 5.089 Years Optional Redemption 12/15/2031 @100.000% Northland Securities, Inc. Page 5 Equipment Improvement Date Principal Coupon Interest Total P+I Fiscal Total 10/17/2023 ----- 06/15/2024 --10,204.25 10,204.25 - 12/15/2024 85,000.00 3.550%7,717.50 92,717.50 102,921.75 06/15/2025 --6,208.75 6,208.75 - 12/15/2025 90,000.00 3.400%6,208.75 96,208.75 102,417.50 06/15/2026 --4,678.75 4,678.75 - 12/15/2026 90,000.00 3.300%4,678.75 94,678.75 99,357.50 06/15/2027 --3,193.75 3,193.75 - 12/15/2027 95,000.00 3.250%3,193.75 98,193.75 101,387.50 06/15/2028 --1,650.00 1,650.00 - 12/15/2028 100,000.00 3.300%1,650.00 101,650.00 103,300.00 Total $460,000.00 -$49,384.25 $509,384.25 - Date Principal Coupon Interest Total P+I Fiscal Total 10/17/2023 ----- 06/15/2024 --35,172.76 35,172.76 - 12/15/2024 160,000.00 3.550%26,601.25 186,601.25 221,774.01 06/15/2025 --23,761.25 23,761.25 - 12/15/2025 160,000.00 3.400%23,761.25 183,761.25 207,522.50 06/15/2026 --21,041.25 21,041.25 - 12/15/2026 155,000.00 3.300%21,041.25 176,041.25 197,082.50 06/15/2027 --18,483.75 18,483.75 - 12/15/2027 155,000.00 3.250%18,483.75 173,483.75 191,967.50 06/15/2028 --15,965.00 15,965.00 - 12/15/2028 155,000.00 3.300%15,965.00 170,965.00 186,930.00 06/15/2029 --13,407.50 13,407.50 - 12/15/2029 155,000.00 3.350%13,407.50 168,407.50 181,815.00 06/15/2030 --10,811.25 10,811.25 - 12/15/2030 155,000.00 3.400%10,811.25 165,811.25 176,622.50 06/15/2031 --8,176.25 8,176.25 - 12/15/2031 155,000.00 3.450%8,176.25 163,176.25 171,352.50 06/15/2032 --5,502.50 5,502.50 - 12/15/2032 155,000.00 3.500%5,502.50 160,502.50 166,005.00 06/15/2033 --2,790.00 2,790.00 - 12/15/2033 155,000.00 3.600%2,790.00 157,790.00 160,580.00 Total $1,560,000.00 -$301,651.51 $1,861,651.51 - Northland Securities, Inc. Page 6 Attachment 2 – Estimated Levy Schedules Equipment Improvement Date Total P+I 105% Levy Levy Year Collection Year 12/15/2023 -- 12/15/2024 102,921.75 108,067.84 2023 2024 12/15/2025 102,417.50 107,538.38 2024 2025 12/15/2026 99,357.50 104,325.38 2025 2026 12/15/2027 101,387.50 106,456.88 2026 2027 12/15/2028 103,300.00 108,465.00 2027 2028 Total $509,384.25 $534,853.46 Date Total P+I 105% Levy Less: Special Assessment Revenue*Net Levy Levy Year Collection Year 12/15/2023 ---- 12/15/2024 221,774.01 232,862.71 90,167.51 142,695.20 2023 2024 12/15/2025 207,522.50 217,898.63 85,644.14 132,254.49 2024 2025 12/15/2026 197,082.50 206,936.63 82,512.56 124,424.07 2025 2026 12/15/2027 191,967.50 201,565.88 79,381.00 122,184.88 2026 2027 12/15/2028 186,930.00 196,276.50 76,249.42 120,027.08 2027 2028 12/15/2029 181,815.00 190,905.75 73,117.86 117,787.89 2028 2029 12/15/2030 176,622.50 185,453.63 69,986.28 115,467.35 2029 2030 12/15/2031 171,352.50 179,920.13 66,854.72 113,065.41 2030 2031 12/15/2032 166,005.00 174,305.25 63,723.14 110,582.11 2031 2032 12/15/2033 160,580.00 168,609.00 60,591.58 108,017.42 2032 2033 Total $1,861,651.51 $1,954,734.09 $748,228.21 $1,206,505.88 *Special assessment revenue is based on assessments totaling $574,600 assessed at a rate of 5.45% (2% over the average coupon), with equal annual principal payments spread over 10 years. Northland Securities, Inc. Page 7 Attachment 3 – Related Considerations Bank Qualified We understand the City (in combination with any subordinate taxing jurisdictions or debt issued in the City’s name by 501(c)3 corporations) anticipates issuing $10,000,000 or less in tax-exempt debt during this calendar year. Therefore, the Bonds will be designated as “bank qualified” obligations pursuant to Federal Tax Law. Arbitrage Compliance Project/Construction Fund. All tax-exempt bond issues are subject to federal rebate requirements which require all arbitrage earned to be rebated to the U.S. Treasury. A rebate exemption the City expects to qualify for is the “small issuer” exemption because the City expects to issue less than $5,000,000 of tax-exempt bonds, including any 501(c)3 conduit financings, in calendar year 2023. Debt Service Fund. The City must maintain a bona fide debt service fund for the Bonds or be subject to yield restriction in the debt service fund. A bona fide debt service fund involves an equal matching of revenues to debt service expense with a balance forward permitted equal to the greater of the investment earnings in the fund during that year or 1/12 of the debt service of that year. The City should become familiar with the various Arbitrage Compliance requirements for this bond issue. The Resolution for the Bonds prepared by Bond Counsel explains the requirements in greater detail. Continuing Disclosure Type: Full Dissemination Agent: Northland Securities, Inc. The requirements for continuing disclosure are governed by SEC Rule 15c2-12. The primary requirements of Rule 15c2-12 actually fall on underwriters. The Rule sets forth due diligence needed prior to the underwriter’s purchase of municipal securities. Part of this requirement is obtaining commitment from the issuer to provide continuing disclosure. The document describing the continuing disclosure commitments (the “Undertaking”) is contained in the Official Statement that will be prepared to offer the Bonds to investors. The City has more than $10,000,000 of outstanding debt and is required to undertake “full” continuing disclosure. Full disclosure requires annual posting of the audit and a separate continuing disclosure report, as well as the reporting of certain “material events.” Material events set forth in the Rule, including, but not limited to, bond rating changes, call notices, and issuance of “financial obligations” (such as USDA loans, Public Finance Authority loans and lease agreements) must be reported within ten days of occurrence. The report contains annual financial information and operating data that “mirrors” material information presented in the Official Statement. The specific contents of the annual report will be described in the Undertaking that appears in the appendix of the Official Statement. Northland currently serves as dissemination agent for the City, assisting with the annual reporting. The information for the Bonds will be incorporated into the reporting. Premiums In the current market environment, it is likely that the proposed pricing will include premiums. A premium price occurs when the underwriter pays the City an amount in excess of the par Northland Securities, Inc. Page 8 amount of a maturity in exchange for a higher coupon (interest rate). The use of premiums reflects the underwriter’s view on future market conditions, tax considerations for investors and other factors. Ultimately, the true interest cost calculation (“TIC”) will indicate the overall cost to the City, regardless of premium. A premium price produces additional funds that can be used in several ways: • The premium means that the City needs less bond proceeds and can reduce the size of the issue by the amount of the premium. • The premium can be deposited in the Construction Fund and used to pay addit ional project costs, rather than used to reduce the size of the issue. • The premium can be deposited in the Debt Service Fund and used to pay principal and interest. Northland will work with City staff prior to the day of pricing to determine use of premium (if any). Rating A rating will be requested from Standard and Poor’s (S&P). The City’s general obligation debt is currently rated "AA-" by S&P. The rating process will include a conference call with the rating analyst. Northland will assist City staff in preparing for and conducting the rating call. Northland Securities, Inc. Page 9 Attachment 4 – Calendar of Events The following checklist of items denotes each milestone activity as well as the members of the finance team who will have the responsibility to complete it. Please note this proposed timetable assumes regularly scheduled City Council meetings. Date Action Responsible Party April 17 Feasibility Report reviewed Improvement Hearing Held, Resolution Ordering the Improvements adopted City Council Action June 20 Trigger Resolution and Finance Plan sent to City Northland June 27 Assessment Hearing Adopt Trigger Resolution and Review Finance Plan – 6:00 p.m. Special Meeting City Council Action July 6 General Information Certificate Sent to City Northland July 20 General Information Completed and Returned to Northland City Staff June 2023 July 2023 Sun Mon Tue Wed Thu Fri Sat Sun Mon Tue Wed Thu Fri Sat 1 2 3 1 4 5 6 7 8 9 10 2 3 4 5 6 7 8 11 12 13 14 15 16 17 9 10 11 12 13 14 15 18 19 20 21 22 23 24 16 17 18 19 20 21 22 25 26 27 28 29 30 23 24 25 26 27 28 29 30 31 August 2023 September 2023 Sun Mon Tue Wed Thu Fri Sat Sun Mon Tue Wed Thu Fri Sat 1 2 3 4 5 1 2 6 7 8 9 10 11 12 3 4 5 6 7 8 9 13 14 15 16 17 18 19 10 11 12 13 14 15 16 20 21 22 23 24 25 26 17 18 19 20 21 22 23 27 28 29 30 31 24 25 26 27 28 29 30 October 2023 November 2023 Sun Mon Tue Wed Thu Fri Sat Sun Mon Tue Wed Thu Fri Sat 1 2 3 4 5 6 7 1 2 3 4 8 9 10 11 12 13 14 5 6 7 8 9 10 11 15 16 17 18 19 20 21 12 13 14 15 16 17 18 22 23 24 25 26 27 28 19 20 21 22 23 24 25 29 30 31 26 27 28 29 30 Holiday Northland Securities, Inc. Page 10 Date Action Responsible Party August 3 Preliminary Official Statement Sent Rating Agency and to City for Sign Off Northland Week of August 14 or August 21 Rating Call Northland, City, Rating Agency August 21 RFP for Pricing Opinion Sent to Potential Municipal Advisors City Staff August 30 RFP for Pricing Opinions Due, Municipal Advisor Selected City to confirm project costs to be financed and provides pre-paid assessment amount, if applicable, to Northland City Staff September 8 Rating Received Debt Study sent to City City Staff, Rating Agency, Northland September 11 Awarding Resolution sent to City Northland, Bond Counsel Sept 18 Pricing Date Presentation of Debt Study Bond Purchase Contract Signed and Awarding Resolution adopted – 6:00 p.m. City Council Action October 17 Closing on the Bonds (Proceeds Available) Northland, City Staff, Bond Counsel Northland Securities, Inc. Page 11 Attachment 5 - Risk Factors Property Taxes: Property tax levies shown in this Finance Plan are based on projected debt service and other revenues. Final levies will be set based on the results of sale. Levies should be reviewed annually and adjusted as needed. The debt service levy must be included in the preliminary levy for annual Truth in Taxation hearings. Future Legislative changes in the property tax system, including the imposition of levy limits and changes in calculation of property values, would affect plans for payment of debt service. Delinquent payment of property taxes would reduce revenues available to pay debt service. Special Assessments: Special assessments for the financed projects have not been levied at this time. This Finance Plan is based on the assumptions listed earlier in this report. Changes in the terms and timing for the actual assessments will alter the projected flow of funds for payment of debt service on the Bonds. Also, special assessments may be prepaid. It is likely that the income earned on the investment of prepaid assessments will be less than the interest paid if the assessments remained outstanding. Delinquencies in assessment collections would reduce revenues needed to pay debt service. The collection of deferred assessments, if any, have not been included in the revenue projections. Projected assessment income should be reviewed annually and adjusted as needed. General: In addition to the risks described above, there are certain general risks associated with the issuance of bonds. These risks include, but are not limited to: • Failure to comply with covenants in bond resolution. • Failure to comply with Undertaking for continuing disclosure. • Failure to comply with IRS regulations, including regulations related to use of the proceeds and arbitrage/rebate. The IRS regulations govern the ability of the City to issue its bonds as tax-exempt securities and failure to comply with the IRS regulations may lead to loss of tax- exemption. CERTIFICATION OF MINUTES RELATING TO GENERAL OBLIGATION BONDS, SERIES 2023A ISSUER: City of St. Joseph, Minnesota BODY: City Council KIND, DATE, TIME AND PLACE OF MEETING: A regular meeting held on Tuesday, June 27, 2023, at 6:00 p.m., in the City Offices MEMBERS PRESENT: MEMBERS ABSENT: Documents Attached: Extract of Minutes of said meeting. RESOLUTION 2023-033 APPROVING THE ISSUANCE OF GENERAL OBLIGATION BONDS, SERIES 2023A I, the undersigned, being the duly qualified and acting recording officer of the public corporation issuing the obligations referred to in the title of this certificate, certify that the documents attached hereto, as described above, have been carefully compared with the original records of said corporation in my legal custody, from which they have been transcribed; that said documents are a correct and complete transcript of the minutes of a meeting of the governing body of said corporation, and correct and complete copies of all resolutions and other actions taken and of all documents approved by the governing body at said meeting, so far as they relate to said obligations; and that said meeting was duly held by the governing body at the time and place and was attended throughout by the members indicated above, pursuant to call and notice of such meeting given as required by law. WITNESS MY HAND officially as such recording officer on June 27, 2023. City Clerk EXTRACT OF MINUTES OF A MEETING OF THE CITY COUNCIL OF THE CITY OF ST. JOSEPH, STATE OF MINNESOTA HELD: Tuesday, June 27, 2023 Pursuant to due call and notice thereof, a regular meeting of the City Council of the City of St. Joseph, State of Minnesota, was duly held on Tuesday, June 27, 2023 at 6:00 p.m. Member ___________________ introduced the following resolution and moved its adoption: RESOLUTION 2023-033 APPROVING THE ISSUANCE OF GENERAL OBLIGATION BONDS, SERIES 2023A BE IT RESOLVED by the City Council of the City of St. Joseph, Minnesota (herein, the “City”), as follows: 1. The City Council hereby finds and declares that it is necessary and expedient for the City to sell and issue its fully registered general obligation bonds in the total aggregate principal amount not to exceed $2,040,000 (herein, the “Bonds”). The proceeds of the Bonds will be used to finance the City’s 2023 street improvement projects, the purchase of equipment and the costs of issuing the Bonds. 2. The City Council desires to proceed with the sale of the Bonds by direct negotiation with Northland Securities, Inc. (herein, “NSI”). NSI will purchase the Bonds in an arm’s-length commercial transaction with the City. 3. The Mayor and City Administrator are hereby authorized to approve the sale of the Bonds in an aggregate principal amount not to exceed $2,040,000 and to execute a bond purchase agreement for the purchase of the Bonds with NSI, provided the true interest cost is less than 4.75%. 4. Upon approval of the sale of the Bonds by the Mayor and the City Administrator the City Council will act at its next regularly scheduled or special meeting thereafter to adopt the necessary approving resolutions as prepared by the City's bond counsel. 5. NSI is authorized to prepare an Official Statement related to the sale of the Bonds. 6. If the Mayor and the City Administrator have not approved the sale of the bonds to NSI and executed the related bond purchase agreement by December 31, 2023, this resolution shall expire. The motion for the adoption of the foregoing resolution was duly seconded by Member __________________, and upon vote being taken thereon, the following voted in favor thereof: and the following voted against the same: Adopted by the City Council of the City of St. Joseph this 27th day of June, 2023. CITY OF ST. JOSEPH _________________________________ By: Rick Schultz, Mayor ATTEST: ____________________________________ By: David Murphy, City Administrator STAFF MEMO Prepared by: City Clerk Meeting Date: 6/27/2023 ☐Consent Agenda Item ☒Regular Agenda Item Agenda Item # 8 Reviewed by: Item: Street Closure Request – Millstream Arts Festival ACTION REQUESTED Approve the special event application for the Millstream Arts Festival on August 27, 2023. BOARD/COMMISSION/COMMITTEE RECOMMENDATION N/A PREVIOUS COUNCIL ACTION N/A REFERENCE AND BACKGROUND Staff received a special event permit for the Millstream Arts Festival. The Festival will be from 11-5. The street closure will consist of 1 block of College Avenue from MN Street to Ash Street. The applicant is requesting the closure from 6AM-7PM to allow for setup and cleanup at the end of the event. Staff has reviewed the request and there are no issues or concerns. BUDGET IMPACT STAFF RECOMMENDED ACTION Approve the special event permit for Millstream Arts Festival on Sunday, August 27, 2023. SUPPORTING DATA/ATTACHMENTS •Application, Narrative, Map STAFF MEMO Prepared by: City Clerk Meeting Date: 6/27/23 ☐Consent Agenda Item ☒Regular Agenda Item Agenda Item # 9 Reviewed by: Item: Special Event Permit – Rock 4 Alzheimers ACTION REQUESTED Motion to approve the special event permit submitted by Bad Habit Brewing Company for Rock 4 Alzheimer’s on September 10, 2023; requiring 1 off-duty officer be present. BOARD/COMMISSION/COMMITTEE RECOMMENDATION N/A PREVIOUS COUNCIL ACTION N/A REFERENCE AND BACKGROUND Bad Habit Brewing Company submitted their special event permit request for Rock 4 Alzheimer’s. The event will be held on September 10, 2023. The event will be held from 12PM – 9PM. Staff reviewed the request and Chief Pfannenstein is requiring 1 off-duty officer to be at the event. A map of the event is included in the packet. BUDGET IMPACT STAFF RECOMMENDED ACTION Motion to approve the special event permit submitted by Bad Habit Brewing Company for Rock 4 Alzheimer’s on September 10, 2023; requiring 1 off-duty officer be present. SUPPORTING DATA/ATTACHMENTS •Application, Map of Event STAFF MEMO Prepared by: David Murphy Meeting Date: 6/27/2023 ☐Consent Agenda Item ☒Regular Agenda Item Agenda Item # 10 Reviewed by: Item: Temporary Work Space Permit – Northern Natural Gas ACTION REQUESTED Approval of Temporary Work Space Permit. REFERENCE AND BACKGROUND The City Council Approved two agreements at the June 5th City Council Meeting allowing for access to the road and an additional easement for the pipeline. Northern Natural Gas has reviewed the project with the contractor and has determined there is a need for a temporary work space outside of the permanent easement to property perform the construction work. The proposed permit allows Northern Natural Gas to operate in the shaded area on the attached map. The permit is for 24 months and the City will be compensated $1,000 by Northern Natural Gas for the usage of the property. The agreement also requires Northern Natural gas to repair any damages that may occur to the property from their usage. BUDGET IMPACT Negligible, the Facility Easement requires a $1,000 payment from NNG to the City for the Easement. STAFF RECOMMENDED ACTION Approval of the permit. SUPPORTING DATA/ATTACHMENTS Temporary Work Space Permit Agreement. Map of proposed permit area.