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CAFR_FY Ending_09/30/2002 Comprehensive Annual Financial Report Village of Tequesta, Florida Fiscal Year Ended September 30, 2002 VILLAGE OF TEQUESTA, FLORIDA COMPREHENSIVE ANNUAL FINANCIAL REPORT FISCAL YEAR ENDED SEPTEMBER 30, 2002 PREPARED BY FINANCE DEPARTMENT THE VILLAGE OF TEQUESTA, FLORIDA VII.LAGE OF TEQUESTA, FLORIDA TABLE OF CONTENTS PAGE 1. INTRODUCTORY SECTION Letter of Transmittal i Certificate of Achievement for Excellence in Financial Reporting ix Organization Chart x List of Principal Officials xi 2. FINANCIAL SECTION REPORT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS 1 -2 GENERAL PURPOSE FINANCIAL STATEMENTS (Combined Statements - Overview) Combined Balance Sheet - All Fund Types and Account Groups 3 -5 Combined Statement of Revenues, Expenditures and Changes in Fund Balances - 6 All Governmental Fund Types and Expendable Trust Fund Combined Statement of Revenues, Expenditures and Changes in Fund Balances - Budget and Actual — Governmental Fund Types 7 -8 Combined Statement of Revenues, Expenses and Changes in Retained Earnings - Enterprise Funds 9 Combined Statement of Cash Flows — Proprietary Fund Type 10 Combined Statement of Changes in Plan Net Asset — Pension Trust Funds 11 Notes to General Purpose Financial Statements 12 -35 REQUIRED SUPPLEMENTARY INFORMATION Schedule of Contributions from the Employer and Other Contributing Entities 36 Notes to the Required Supplementary Information 37 SUPPLEMENTARY INFORMATION General Fund: Schedule of Revenues — Budget and Actual 38-39 Schedule of Expenditures — Budget and Actual 40 -44 Capital Projects Funds: Combining Balance Sheet 45 Combining Statement of Revenues, Expenditures and Changes in Fund Balances 46 Combining Statement of Revenues, Expenditures and Changes in Fund Balances - Budget and Actual 47 VILLAGE OF TEQUESTA, FLORIDA TABLE OF CONTENTS (Continued) PAGE 2. FINANCIAL SECTION (Continued) SUPPLEMENTAL INFORMATION (Continued) Proprietary Funds (Enterprise Funds): Combining Balance Sheet 48 Combining Statements of Revenues, Expenses and Changes in Retained Earnings 49 Combining Statement of Revenues, Expenses and Changes in Retained Earnings - Budget and Actual 50 Combining Statement of Cash Flows 51 Fiduciary Funds: Combining Balance Sheet 52 Combining Statement of Plan Net Assets 53 Combining Statements of Changes in Plan Net Assets 54 General Fixed Assets Account Group: Schedule of General Fixed Assets - By Source 55 Schedule of General Fixed Assets - By Function and Activity 56 Schedule of Changes in General Fixed Assets - By Function and Activity 57 3. STATISTICAL SECTION General Governmental Expenditures by Function 58 General Governmental Revenues by Source 59 Property Tax levies and Collections 60 Assessed Value of Taxable Property 61 Property Tax Rates - All Direct and Overlapping Governments 62 Ratio of Net General Bonded Debt to Assessed Value 63 Computation of Legal Debt Margin 64 Direct and Overlapping Debt - General Obligation Debt 65 Ratio of Annual Debt Service Expenditures 66 Revenue Bond Coverage 67 Property Value and Construction 68 Principal Taxpayers 69 Demographic and Miscellaneous Statistics 70 -71 Schedule of Insurance 72 VILLAGE OF TEQuESTA, FLORIDA TABLE OF CONTENTS (Continued) PAGE 4. COMPLIANCE SECTION Report of Independent Certified Public Accountants on Compliance and on Internal Control over Financial Reporting Based on an Audit of Financial Statements Performed in Accordance with Government Auditing Standards 73 -74 Management Letter in Accordance with the Rules of the Auditor General of the State of Florida 75 -76 a 7 +l f • r INTRODUCTORY SECTION 250 Tequesta Drive P: (561) 575 -6200 Tequesta, FL 33469 ( F: (561) 575 -6203 January 17, 2003 To the Citizens of the Village of Tequesta, Florida RE: The Comprehensive Annual Financial Report The Comprehensive Annual Financial Report for the Village of Tequesta, Florida (Tequesta) for the fiscal year ended September 30, 2002 is hereby submitted. Responsibility for both the accuracy of the data, and the completeness and fairness of the presentation, including all disclosures, rests with Tequesta. To the best of our knowledge and belief, the enclosed data is accurate in all material respects and is reported in a manner designed to present fairly the financial position and results of operations of the various funds and account groups of Tequesta. All disclosures necessary to enable the reader to gain an understanding of Tequesta's financial activities have been included. The Comprehensive Annual Financial Report is presented in four sections: introductory, financial, statistical and other reports. The introductory section includes this transmittal letter, Tequesta's organizational chart and a list of principal officials. The financial section includes the general purpose financial statements and schedules, as well as the auditor's report on the general purpose financial statements. The statistical section includes selected financial and demographic information, generally presented on a multi -year basis. The other reports section includes the auditor's reports on internal control, compliance and the management letter. This report includes all funds and account groups of Tequesta. Tequesta provides a full range of services. These services include police protection; fire and emergency medical services; the construction and maintenance of streets, bridges and infrastructure; recreational activities and cultural events; and the operation of a municipal water supply system, in addition to general government activities. Tequesta has a contract with a privately owned sanitation company for refuse and recycling collection service. ECONOMIC CONDITION AND OUTLOOK The Village is located at the extreme northeastern quadrant of Palm Beach County. Tequesta is a relatively affluent residential community with adequate commercial facilities necessary to provide goods and services to its residents. Northern Palm Beach County ranks as one of the top growth areas in the country. Although Tequesta's growth potential is restricted by the natural boundaries of the Atlantic Ocean to the east, the Loxahatchee River to the west, the Town of Jupiter to the south and Martin County to the north, Tequesta's growth potential for the foreseeable future continues to be favorable. Property value assessments for fiscal year 2001/2002 increased approximately 7.3 %. The Village will continue to monitor property values to ensure that any negative developments will be immediately addressed with a fiscal policy necessary to maintain the financial integrity of the Village's financial position, while keeping in mind the level of services provided and the associated tax burden of our citizens. -i- Recycled Paper MAJOR INITIATIVES The Village Council and the Administration remain committed to providing community enhancements in an effort to enrich the quality of life for the residents of the Village of Tequesta. The Mayor and Village Council have approved significant capital improvement projects to be undertaken next year. The Administration will address these issues through prudent, responsible financial planning and accounting practices. • Prepare plan and specifications for the construction of a new Village Hall. • Continue to explore annexation of contiguous properties in unincorporated Palm Beach County. • Prepare a comprehensive analysis of the Tequesta Water Utility and present a state of the utility report. • Continue to evaluate capital and operational needs within the Village to ensure a high-level service delivery in an efficient and economical manner. • Continue to explore alternative revenue sources, at both the state and federal levels, with the assistance of a professional lobbyist. • Expand water utility services to unincorporated customers, generating new revenues for the utility. • Conclude water utility negotiations with the Town of Jupiter, and to execute an agreement that is mutually beneficial. • Renegotiate contractual agreements for fire /rescue services, and building/inspections with the Town of Jupiter Inlet Colony. • Continue to evaluate and implement contemporary financial policies and procedures to ensure the efficient and economical operation of the Village of Tequesta. DEPARTMENT HIGHLIGHT PARKS & RECREATION DEPARTMENT With the Village Council approval, the Village of Tequesta Parks & Recreation was established in January of 2002. The number one priority of the department was to survey the residents for their wants and needs regarding recreation programming and new facilities. From the results of the survey, the department has since offered the following programs and addressed the following issues: • Offer a full schedule of recreation programs for all ages • Organized, planned, and directed three special events • Modernized the Recreation Center and Council Chambers • As a request from the Jupiter/Tequesta Athletic Association, Tequesta Park recently completed renovations to the ball fields that included adding an irrigation system and Bermuda Turfway 419 grass • Added one part-time Recreation Supervisor • Created a Recreation Center and Tequesta Park Pavilion Rental Policy • Established a dog box sponsorship program -ii- • Continue to offer Concert in the Park Series • With the departure of the YMCA, the Parks & Recreation Department will be offering both Spring and Summer Day Camps. INFRASTRUCTURE MAINTENANCE AND EXPANSION Maintenance and expansion of the community's general infrastructure (such as roads, bridges, sidewalks and stormwater drainage systems), streetscape beautification projects, expansion of potable water treatment facilities and development/redevelopment of the Tequesta Village Center is a priority of Tequesta. To address this concern, the government has developed a five -year capital projects plan that provides a framework for the development and maintenance of infrastructure to meet current and future needs. This plan is revised each budget year in keeping with the priorities and needs of Tequesta. Also, changes affecting budget projections may require changes to the capital projects plan that will enable Tequesta to maintain adequate cash reserves and required fund balances. The 2002 Capital Improvement Fund expenditures for capital outlay totaled $517,870 as follows: Transportation and Drainage Improvements Road Improvements/Paving Project $102,435 Country Club Drive — Landscaping & swale construction 123,962 Country Club Drive — Streetlights 80,267 Miscellaneous landscaping projects 31,778 $338,442 Culture and Recreation Improvements Constitution Park Improvements $ 10,318 Tequesta Park — Park & Irrigation Improvements 152,487 Riverside Drive North Pathway Improvements 16,623 $179,428 Total Capital Improvement bind The 2002 Capital Projects Fund expenditures for capital outlay totaled $3,341,923 as follows: Transportation and Drainage Improvements Main Street $174,525 $174,525 Building and Other Proiects Public Safety Facility $3,086,916 Central Business District Redevelopment 43,400 Other Miscellaneous Capital Projects 37,082 $3,167,398 Total Capital Projects Additions L; The 2002 Storm Water Utility Enterprise Fund expenses for capital additions totaled $236,683 as follows: Cypress Drive South Drainage Improvements $232,440 Other Drainage Improvements 4,243 $236,683 Total Storm Water Utility Capital Additions -iii- The 2002 Water Utility expenses for capital additions totaled $495,935 as follows: . Machinery, Equipment and Vehicles $ 73,015 R O. Plant Expansion 30,328 Tequesta Peninsula Projects 1 & 2 392,592 $495,935 Total Storm Water Utility Capital Additions FINANCIAL INFORMATION The management of the government is responsible for establishing and maintaining an internal control structure designed to ensure that the assets of the government are protected from loss, theft or misuse and to ensure that adequate accounting data are compiled to allow for the preparation of the financial statements in conformity with generally accepted accounting principles. The internal control structure is designed to provide reasonable, but not absolute, assurance that these objectives . are met. The concept of reasonable assurance recognizes that: (1) the cost of a control should not exceed the benefits likely to be derived; and (2) the valuation of costs and benefits requires estimates and judgments by management. Budgetary Controls In addition to conforming to generally accepted accounting principles, Tequesta maintains budgetary controls. The objective of these budgetary controls is to ensure compliance with legal provisions embodied in the annual appropriated budget approved by the Village Council. Activities of the General Fund, Special Revenue Fund, Capital Project Funds and Enterprise Funds are included in the annual appropriated budget. The level of budgetary control (that is, the level at which expenditures cannot legally exceed the appropriated amount) is established at the individual fund level. The government also maintains an encumbrance accounting system as one technique of accomplishing budgetary control Encumbered amounts lapse at year -end. However, encumbrances are generally re- appropriated as part of the following year's budget. As demonstrated by the statements and schedules included in the financial section of this report, Tequesta continues to meet its responsibility for sound financial management. General Government Functions Revenues The following schedule presents a summary of General Fund, Special Revenue Fund, Capital Project Funds and Expendable Trust Fund revenues for the fiscal year ended September 30, 2002, and the amount and percentage of increases and decreases in relation to prior year revenues. -iv- REVENUES Sources Current Year % of Total $ Change % Change Taxes $ 4,502,446 70.90% $400,424 9.76% Intergovernmental 638,106 10.05% 64,173 11.18% Charges for services 382,650 6.03% 80,578 26.68% Intragovernmental 327,270 5.15% 74,514 29.48% Grants 142,207 2.24% 142,207 0.00% Licenses & Permits 108,429 1.71% 24,727 29.54% Interest 84,885 1.34% (109,102) - 56.24 Fines & Forfeitures 73,758 1.16% 25,257 52.08% Miscellaneous 46,423 0.73% 307 0.67% Impact Fees 44,320 0.70% 40,236 985.21% Totals 56.350.494 100.00% Taxes accounted for the major sources of revenues in actual resources received for 2002. Tax revenues consist of three district revenue sources: ad valorem (property taxes), franchise fees and utility service taxes. The ad valorem property tax rate for 2002 was 6.7305 mills. Property values also increased 7.3% over the previous year valuation. Eimenditures The following schedule presents a summary of General Fund, Special Revenue Fund, Capital Projects Funds, and Expendable Trust Fund expenditures, for the fiscal year ended September 30, 2002, and the amount and percentage of increases and decreases in relation to prior year amounts: Sources Current Year % of Total $ Change % Chan e Public Safety $3,229,968 28.63% 233,529 0.08 General Government 1,139,653 10.10 (76,358) (0.06) Transportation 403,363 3.58% (27,450) (0.06) Cultu vRecreation 325,326 2.88% 86,483 0.36 Capital Outlay * 4,051,287 35.91% 2,665,622 1.92 Debt Service ** 2,131,261 18.89% 1,480,807 2.28 TOTALS X11.280.858 100.00% * The major increase in capital outlay was due to the Building of a Public Safety Facility. * * The major increase in debt service was due to principal retirement of the line -of- credit using proceeds from a new $5 Million Loan with Bank of America. Alternative revenue sources must be explored such as: expanding the property tax base by growth and development in the community and possible implementing user fees for appropriate government services. -v- General Fund Balance The undesignated balance of the General Fund was $2,697,708 as of September 30, 2002, which is adequate to provide the capital resources for government operations. It is unlikely that Tequesta will enter the short-term debt market to pay for current operating expenditures. PROPRIETARY OPERATIONS Water Operations Tequesta's water utility operations are reported in the Water Enterprise Fund. Tequesta's potable water system consists of a 2.73 million gallon per day water treatment plant and a distribution system of approximately 50 miles of water mains and water storage facilities with a capacity of 1.75 million gallons. During F/Y 9/30/2002, Tequesta purchased 1.5 million gallons of water per day, the contracted minimum, at a bulk rate from the Town of Jupiter, Florida. On December 23, 2002, the Village of Tequesta approved a new Water Franchise Agreement with the Town of Jupiter that extends through July 15, 2007. Prior Change % Change Cuurent Year Year from Prior Year from Prior Year Charges for Services $3,597,159 $ 3,459,999 $137,160 3.96% Total water consumption 1,135,642 1,013,172 122,470 12.10% Average daily consumption 3.108 2.779 0.329 11.80% Fiduciary Operations Tequesta's fiduciary operations consist of an Expendable Trust Fund which was established to account for forfeitures received by the Police Department. In 1996, Tequesta established a Pension Trust Fund to account for the Village Employees' Pension Trust Fund. Debt Administration General government debt service payments for retirement of the Improvement Revenue Refunding Bonds, Series 1994, in the amount of $1,365,000, dated June 24, 1994, will be reported in the Special Revenue Fund. Tequesta has a legal debt limit established by Section 6.02 of the Village Charter. The aggregate indebtedness regardless of type (general obligation bonds, revenue bonds or special assessment bonds) cannot exceed 10% of the assessed taxable value of real property located within Tequesta. As of September 30, 2002, taxable real property within Tequesta was assessed at $523,061,602. As of September 30, 2002, Tequesta's net bonded debt was $648,087, the ratio of net bonded debt to taxable value was 0.12% and the net bonded debt per capita was $121.66. -vi- Cash Management Tequesta maintains two pooled cash accounts known as the general corporation investment account and the water enterprise investment account. The Finance Director monitors cash requirements and the Village Manager, upon recommendation from the Finance Director, approves temporary idle cash for investment. The investment policy of Tequesta is to maximize its investments in high quality, risk -free securities authorized by State statutes, while maintaining a competitive yield on its portfolio. Tequesta's investments for the current year consisted of deposits with the State Board of Administration — Local Government Surplus Funds Trust Fund Investment Pool, obligations of the U.S. Government, and amounts held by an outside custodian on behalf of the Pension Trust Funds. Investments with the State Board of Administration consist of obligations of the U.S. Treasury and its agencies, money market securities of highest quality such as commercial paper, banker's acceptance, corporate notes and repurchase agreements. Because of the short maturities and high quality, securities in this fund are considered practically risk free. On September 30, 2002, investments held by Tequesta totaled $12,340,668, which is detailed in Note 3, (Notes to Cash & Investment Footnotes). The average yield on short-term surplus operating funds investments maturing during the year was 2.06 %. Risk Management During 2002, Tequesta continued using third -party insurance coverage for its Risk Management Program. A detailed list of insurance in effect is contained in the Schedule of Insurance on Page 72 of this Report. OTHER INFORMATION Independent Audit Florida State statutes require an annual audit by independent certified public accountants. The accounting firm of Rachlin, Cohen & Holtz LLP, CPA's was selected to conduct Tequesta's audit. The auditor's report on the general purpose financial statements is included in the financial section of this Report. Awards The Government Finance Officers Association (GFOA) awarded a Certificate of Achievement for Excellence in Financial Reporting to Tequesta for its comprehensive annual financial report for the fiscal year ended September 30, 2001. This was the nineteenth consecutive year that Tequesta has received this prestigious award. In order to be awarded a Certificate of Achievement, Tequesta had to publish an easily readable and efficiently organized comprehensive annual financial report. This Report satisfied both generally accepted accounting principles and applicable legal requirements. -vii- A Certificate of Achievement is valid for a period of one year. We believe that our current comprehensive annual financial report continue to meet the Certificate of Achievement Program's requirements and we are submitting it to the GFOA to determine its eligibility for another certificate. Aeknowkdgements The completion of the Comprehensive Annual Financial Report was made possible by the dedicated service of the entire staff of the Finance Department. Each member of the department has our sincere appreciation for the contributions made in the preparation of this report. In closing, without the leadership and support of the Village Council of the Village of Tequesta, preparation of this report would not have been possible. Sincerely, Michael Co Ann Forsythe, CPA-J Village Manager Finance Director -viii- Certificate of Achievement for Excellence in Financial Reporting Presented to Village of Tequesta, Florida For its Comprehensive Annual Financial Report for the Fiscal Year Ended September 30, 2001 A Certificate of Achievement for Excellence in Financial Reporting is presented by the Government Finance Officers Association of the United States and Canada to government units and public employee retirement systems whose comprehensive annual financial reports (CAFRs) achieve the highest standards in government accounting and financial reporting. AM CWOPATM President Executive Director -ix- VILLAGE OF TEQUESTA, FLORIDA ORGANIZATION CHART SEPTEMBER 30, 2002 Citizens Village Council Village Manager Village Public Works Utilities Finance Community police Fire - Rescue Village Clerk Attorney And Recreation Department Department Development Department Department Department Department -x- VILLAGE OF TEQUESTA, FLORIDA COUNCIL - MANAGER FORM OF GOVERNMENT SEPTEMBER 30, 2002 VILLAGE COUNCIL 2001 -2002 Geraldine A. Genco Mayor Joseph N. Capretta Vice -Mayor Basil E. Dalack Councilmember Russell von Frank Councilmember Edward D. Resnik Councilmember VILLAGE OFFICIALS Michael Couzzo, Jr. Village Manager John C. Randolph Village Attorney (Jones, Foster, Johnston & Stubbs, P.A.) Mary A. Miles Village Clerk JoAnn Forsythe, CPA Finance Director James M. Weinand Fire Chief Stephen J. Allison Police Chief Jeffrey Newell Director of Community Development Gary Preston Director of Public Works & Recreation Michael Couzzo, Jr. Utilities Director Gregg Corbitt Director of Parks and Recreation INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS Rachlin Cohen & Holtz LLP -xi- 0 r FINANCIAL SECTION REPORT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS RCH Rachlin Cohen & Holtz l-LP Certified Public .accountant & C011Sltlta11t8 REPO OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS Honorable Mayor, Village Commission and Village Manager Village of Tequesta, Florida We have audited the accompanying general purpose financial statements of the Village of Tequesta, Florida (the Village) as of and for the year ended September 30, 2002, as listed in the table of contents. These general purpose financial statements are the responsibility of the Village's management. Our responsibility is to express an opinion on these general purpose financial statements based on our audit. We conducted our audit in accordance with auditing standards generally accepted in the United States and the standards applicable to financial audits contained in Government Auditing 5tandar(is, issued by the Comptroller General of the United States. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the general purpose financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the general purpose financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provide, a reasonable basis for our opinion. In our opinion, the general purpose financial statements referred to above present fairly, in all material respects, the financial position of the Village of Tequesta, Florida at September 30, 2002 and the results of its operations and cash flows of its proprietary fund type for the year then ended, in conformity with accounting principles generally accepted in the United States. In accordance with Government Auditin- Standarcls, we have also issued a report dated January 17, 2003 on our consideration of the Village's internal control over financial reporting and our tests of its compliance with certain provisions of laws, regulations and contracts- f hat report is an integral part of an audit performed in accordance with Government Auditing Standards and should be read in conjunction with the report in considering the results of our audit. -I- 450 East Las Olas Boulevard, Saite 950, Ft. L.iuderdale, Florida 13301 • Tel y54- ;2 ;- 10411 • Fly Q;4 -?25 -1X)4 Offices in: Miami @ Ft. I,tudcrdalc • West I''alm Beach • Stuart r+ iv% %%rchcpa.com Member of Summit Intemau, n i ite,. Inc s, ith others in primipal cotes thrOL1410ttt the W11rld 14emlerof the lmancan fnstihdeI'] C.ritfld Ptibb, s<<ouwxit3 and miwmlvr of dwf1rnda lnotut- 4Ccrntmi public Ae�, nni nit RCH Honorable Mayor, Village Commission and Village Manager Viliage ofTequesta, Florida Page Two Our audit was performed for the purpose of forming an opinion on the general purpose financial statements taken as a whole. The accompanying combining, individual fund and account group statements and schedules and the required supplementary information as listed in the table of contents are presented for purposes of additional analysis and are not a required part of the general purpose financial statements of the Village. Such information has been subjected to the auditing procedures applied in the audit of the general purpose financial statements and in our opinion, is fairly stated in all material respects in relation to the general purpose financial statements taken as a whole. The information shown in the statistical section listed in the table of contents has not been subjected to the auditing procedures applied in the audit of the general purpose financial statements and accordingly, we express no opinion thereon. / C.'�'���a...� f ' 1.,.• �/ �'(,���. /fir 4 Fort Lauderdale, Florida January 17, 2003 -2- GENERAL PURPOSE FINANCIAL STATEMENTS (Combined Statements - Overview) VILLAGE OF TEQUESTA, FLORIDA COMBINED BALANCE SHEET ALL FUND TYPES AND ACCOUNT GROUPS SEPTEMBER 30, 2002 Proprietary Fiduciary Account Groups Governmental Fund Types Fund Fund General General Totals Special Capital Type Type Fixed Long -Term (Memorandum General Revenue Projects Enterprise Trusts Assets Debt Only) ASSETS Cash and cash equivalents $ 65,303 $ 44,320 $ 15,477 $ 271,392 $ 3,324 $ - $ - $ 399,816 Investments 3,075,943 145,574 3,345,306 2,901,949 1,886,198 - - 11,354,970 Accounts receivable (net of allowance for uncollectibles) 216,526 31,850 66,622 351,997 - - - 666,995 Due from other funds - - - 260,552 3,987 - - 264,539 Inventories 17,687 - - 13,373 - - - 31,060 Restricted assets: Cash and cash equivalents - - - 10,000 - - - 10,000 Investments - - - 575,882 - - - 575,882 Other assets 8,201 - - 196,905 - - - 205,106 Fixed assets - - - 18,131,067 - 9,297,174 - 27,428,241 Amount to be provided for retirement of general long -term debt - - - - - - 6,387,988 6,387,988 Total assets and other debits $3,383,660 $ 221,744 $ 3,427,405 $22,713,117 $1,893,509 $9,297,174 $6,387,988 $ 47,324,597 (Continued) See notes to general purpose financial statements. -3- VILLAGE OF TEQUESTA, FLORIDA COMBINED BALANCE SHEET ALL FUND TYPES AND ACCOUNT GROUPS (Continued) SEPTEMBER 30, 2002 Proprietary Fiduciary Account Groups Governmental Fund Types Fund Fund General General Totals Special Capital Type Type Fixed Long -Term (Memorandum General Revenue Projects Enterprise Trusts Assets Debt Only) LIABILITIES AND FUND EQUITY Liabilities: Accounts payable $ 81,898 $ - $ 578,309 $ 153,889 $ 550 $ - $ - $ 814,646 Accrued liabilities 67,128 - - 49,686 - - - 116,814 Payable from restricted assets: Deposits - - - 294,293 - - - 294,293 Due to other funds 3,646 - 260,552 341 - - - 264,539 Due to other governments 8,769 - - 822 - - - 9,591 Deferred revenue 122,433 45,764 - 8,309 - - - 176,506 Current portion of notes payable - - - 22,896 - - - 22,896 Current portion of water revenue bonds payable - - 150,000 - - - 150,000 Compensated absences 10,000 - - 93,423 - - 330,132 433,555 Claims and judgments payable - - - - - - 105,000 105,000 Obligations under capital leases - - - - - - 162,856 162,856 Notes payable - - - 13,827 - - 5,000,000 5,013,827 Improvement revenue bonds payable - - - - - - 790,000 790,000 Water revenue bonds payable - - - 7,243,346 - - - 7,243,346 Total liabilities 293,874 45,764 838,861 8,030,832 550 - 6,387,988 15,597,869 (Continued) See notes to general purpose financial statements. -4- VILLAGE OF TEQUESTA, FLORIDA COMBINED BALANCE SHEET ALL FUND TYPES AND ACCOUNT GROUPS (Continued) SEPTEMBER 30, 2002 Proprietary Fiduciary Account Groups Governmental Fund Types Fund Fund General General Totals Special Capital Type Type Fixed Long -Term (Memorandum General Revenue Proiects Enterprise Trusts Assets Debt Onl LIABILITIES AND FUND EQUITY (Continued) Fund equity: Investments in general fixed assets $ - $ - $ - $ - $ - $ 9,297,174 $ - $ 9,297,174 Contributed capital - - - 5,390,419 - - - 5,390,419 Retained earnings - - - 9,291,866 - - - 9,291,866 Fund balances: Reserved for: Inventories 17,687 - - - - - - 17,687 Law enforcement and fire rescue - - - - 12,410 - - 12,410 Employees' pension benefits - - - - 1,880,549 - - 1,880,549 Recreation and parks 104,464 - - - - - - 104,464 Encumbrances 24,406 - 1,030,617 - - - - 1,055,023 Unreserved: Designated for: Road projects 29,120 - 155,370 - - - - 184,490 Central business district redevelopment 216,401 - - - - - - 216,401 Undesignated 2,697,708 175,980 1,402,557 - - - - 4,276,245 Total fund equity 3,089,786 175,980 2,588,544 14,682,285 1,892,959 9,297,174 - 31,726,728 Total liabilities, equity and other credits $3,383,660 $ 221,744 $ 3,427,405 $22,713,117 $1,893,509 $9,297,174 $6,387,988 $ 47,324,597 See notes to general purpose financial statements. -5- VILLAGE OF TEQUESTA, FLORIDA COMBINED STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES ALL GOVERNMENTAL FUND TYPES AND EXPENDABLE TRUST FUND FISCAL YEAR ENDED SEPTEMBER 30, 2002 Fiduciary Fund Governmental Fund Types Tyne Expendable Totals Special Capital Trust (Memorandum General Revenue Proiects Fund Only) Revenues: Taxes $4,162,827 $339,619 $ - $ - $ 4,502,446 Intergovernmental 638,106 - - - 638,106 Charges for services 382,650 - - - 382,650 Inteagovernmental 327,270 - - - 327,270 Grants - - 142,207 - 142,207 Licenses and permits 9,793 98,636 - - 108,429 Interest 75,891 3,154 5,648 192 84,885 Fines and forfeitures 68,758 - - 5,000 73,758 Miscellaneous 46,423 - - - 46,423 Impact fees 44,320 - - - 44,320 Total revenues 5,756,038 441,409 147,855 5,192 6,350,494 Expenditures: Current: Public safety 3,229,968 - - - 3,229,968 General government 1,139,653 - - - 1,139,653 Transportation 403,363 - - - 403,363 Culture /recreation 325,326 - - - 325,326 Capital outlay 188,336 - 3,859,790 3,161 4,051,287 Debt service: Principal retirement 1,907,263 90,000 - - 1,997,263 Interest 79,537 54,461 - - 133,998 Total expenditures 7,273,446 144,461 3,859,790 3,161 11,280,858 Excess (deficiency) of revenues over expenditures 1,517,408 296,948 3,711,935 2,031 (4,930,364) Other financing sources (uses): Proceeds from notes payable 5,000,000 - 252,000 - 5,252,000 Operating transfers in 463,180 60,300 4,834,667 - 5,358,147 Operating transfers out 3,715,267 323,180 - - (4,038,447) Total other financing sources (uses) 1,747,913 262,880 5,086,667 - 6,571,700 Excess of revenues over expenditures and other financing sources (uses) 230,505 34,068 1,374,732 2,031 1,641,336 Fund balances, beginning 2,859,281 141,912 1,213,812 10,379 4,225,384 Fund balances, ending $3,089,786 $175,980 $2,588,544 $ 12,410 $ 5,866,720 See notes to general purpose financial statements. -6- VILLAGE OF TEQUESTA, FLORIDA COMBINED STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES BUDGET AND ACTUAL GOVERNMENTAL FUND TYPES FISCAL YEAR ENDED SEPTEMBER 30, 2002 General Fund Special Revenue Fund Variance Variance Favorable Favorable Budget Actual (Unfavorable) Budget Actual (Unfavorable) Revenues: Taxes $4,023,132 $4,162,827 $ 139,695 $325,000 $339,619 $ 14,619 Intergovernmental 641,240 638,106 (3,134) - _ - Charges for services 322,300 382,650 60,350 Intragovernmental 335,070 327,270 (7,800) Grants Licenses and permits 11,200 9,793 (1,407) 78,000 98,636 20,636 Interest. 113,000 75,891 (37,109) 4,000 3,154 (846) Fines and forfeitures 48,500 68,758 20,258 - - - Miscellaneous 12,100 46,423 34,323 Impact fees 9,000 44,320 35,320 - _ _ Total revenues 5,515,542 5,756,038 240,496 407,000 441,409 34,409 Expenditures: Current: General government 1,248,238 1,139,653 108,585 - - _ Public safety 3,283,004 3,229,968 53,036 - _ _ Transportation 476,720 403,363 73,357 - - _ Culture /recreation 334,171 325,326 8,845 - - - Capital outlay 201,105 188,336 12,769 - - - Debt service: Principal retirement 163,717 1,907,263 (1,743,546) 90,000 90,000 - Interest 208,399 79,537 128,862 54,120 54,461 (341) Total expenditures 5,915,354 7,273,446 (1,358,092) 144,120 144,461 (341) Excess (deficiency) of revenues over expenditures 399,812 1,517,408 (1,117,596) 262,880 296,948 34,068 Other financing sources (uses): Appropriated fund balance 463,658 - (463,658) - - - Proceeds from notes payable - 5,000,000 5,000,000 - - - Operating transfers in 463,180 463,180 - 60,300 60,300 - Operating transfers out 527,026 3,715,267 (3,188,241 323,180 323,180 - Total other financing sources (uses) 399,812 1,747,913 1,348,101 262,880 262,880 - Excess of revenues over expenditures and other financing sources- (uses) $ - 230,505 $ 230,505 $ - 34,068 $ 34,068 Fund balances, beginning 2,859,281 141,912 Fund balances, ending $3,089,786 $175,980 (Continued) -7- VILLAGE OF TEQUESTA, FLORIDA COMBINED STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES BUDGET AND ACTUAL GOVERNMENTAL FUND TYPES (Continued) FISCAL YEAR ENDED SEPTEMBER 30, 2002 Capital Prr iect Funds Totals (Memorandum Only) Variance Variance Favorable Favorable Budeet Actual (Unfavorable) Budeet Actua (Unfavorable) Revenues: Taxes $ - $ - $ - $ 4,348,132 $4,502,446 $ 154,314 Intergovernmental - - - 641,240 638,106 (3,134) Charges for services - - - 322,300 382,650 60,350 lntragovemmental - - - 335,070 327,270 (7,800) Grants 147,488 142,207 (5,281) 147,488 142,207 (5,281) Licenses and permits - - - 89,200 108,429 19,229 Interest 14,600 5,648 (8,952) 131,600 84,693 (46,907) Fines and forfeitures - - 48,500 68,758 20,258 Miscellaneous _ - 12,100 46,423 34,323 Impact fees - - - 9,000 44,320 35,320 Total revenues 162,088 147,855 (14,233 6,084,630 6,345,302 260,672 Expenditures: Current: General government - - - 1,248,238 1,139,653 108,585 Public safety - - - 3,283,004 3,229,968 53,036 Transportation - - - 476,720 403,363 73,357 CUlturelrecreation - - - 334,171 325,326 8,845 Capital outlay 5,089,564 3,859,790 1,229,774 5,290,669 4,048,126 1,242,543 Debt service: Principal retirement - - 253,717 1,997,263 (1,743,546) Interest - - - 262,519 133,998 128,521 Total expenditures 5,089,564 3,859,790 1,229,774 11,149,038 11,277,697 (128,659 Excess (deficiency) of revenues over expenditures (4,927,476 (3,711,935 1,215,541 (5,064,408 (4,932,395 132,013 Other financing sources (uses): Appropriated fund balance - - - 463,658 - (463,658) Proceeds from notes payable 3,243,000 252,000 (2,991,000) 3,243,000 5,252,000 2,009,000 Operating transfers in 1,684,476 4,834,667 3,150,191 2,207,956 5,358,147 3,150,191 Operating transfers out - - ( 850,206 ) (4,038,447 (3,188,241 Total other financing sources (uses) 4,927,476 5,086,667 159,191 5,064,408 6,571,700 1,507,292 Excess of revenues over expenditures and other financing sources (uses) $ - 1,374,732 $ 1,374,732 $ - 1,639,305 $ 1,639,305 Fund balances, beginning 1,213,812 4,215,005 Fund balances, ending $ 2,588,544 $ 5,854,310 See notes to general purpose financial statements. -8- VILLAGE OF T'EQUESTA, FLORIDA ENTERPRISE FUNDS COMBINED STATEMENT OF REVENUES, EXPENSES AND CHANGES IN RETAINED EARNINGS FISCAL YEAR ENDED SEPTEMBER 30, 2002 Operating revenues: Charges for services $ 4,214,202 Licenses and permits 616,918 Total operating revenues 4,831,120 Operating expenses: Personal services 1,000,598 Purchased services 890,686 Depreciation 790,914 Repairs and maintenance 557,682 Management services 327,270 Contractual services 285,191 Professional services 207,778 Utilities 204,632 Operating supplies 76,535 Other 59,704 Insurance 49 Office supplies 31,134 Travel and per diem 3,056 Total operating expenses 4,484,390 Operating income 346,730 Non - operating revenues (expenses): Miscellaneous revenue 186,636 Interest income 146,246 Reimbursement revenue 127,533 Interest expense and fiscal charges (392,591) Net non - operating revenues 67,824 Income before operating transfers 414,554 Operating transfers: Operating transfers in 60,000 Operating transfers out (1,379,700) Total operating transfers (1,319,700) Net loss (905,146) Retained earnings, beginning 10,197,012 Retained earnings, ending $ 9,291,866 See notes to general purpose financial statements. -9- VILLAGE OF TEQUESTA, FLORIDA ENTERPRISE FUNDS COMBINED STATEMENT OF CASH FLOWS FISCAL YEAR ENDED SEPTEMBER 30, 2002 Cash flows from operating activities: Operating income $ 346,730 Adjustments to reconcile operating income to net cash provided by operating activities: Depreciation 790,914 Loss on disposal of fixed assets 7,289 Changes in operating assets and liabilities: (Increase) decrease in: Accounts receivable 246,298 Inventories 24,313 Due from other funds (130,070) Other assets 6,259 Increase (decrease) in: Accounts payable and accrued liabilities (489,163) Due to other governments (15,622) Deferred revenue 26,906 Compensated absences 6,929 Due to other funds 1,896,785 Net cash used in operating activities 1,076,002 Cash flows from non - capital financing activities: Operating transfers from other funds 60,000 Operating transfers to other funds (1,379,700) Other miscellaneous revenues 314,169 Net cash used in non - capital financing activities 1,005,531 Cash flows from capital and related financing activities: Acquisition and construction of fixed assets (1,046,335) Principal payments (163,036) Interest paid 392,591 Net cash used for capital and related financing activities 1,601,962 Cash flows from investing activities: Purchases and sales of investments, net 1,414,607 Interest received on investments 146,246 . Net cash provided by investing activities 1,560,853 Net decrease in cash and cash equivalents (2,122,642) Cash and cash equivalents, beginning (including restricted cash of $961,227) 2,404,034 Cash and cash equivalents, ending (including restricted cash of $10,000) $ 281,392 Supplemental information: Cash paid for interest $ 392,591 See notes to general purpose financial statements. -10- VILLAGE OF TEQUESTA, FLORIDA COMBINED STATEMENT OF CHANGES IN PLAN NET ASSETS PENSION TRUST FUNDS FISCAL YEAR ENDED SEPTEMBER 30, 2002 ADDITIONS Contributions: State $ 163,771 Employer 114,385 Employees 101,095 Total contributions 379,251 Investment income (loss): Net depreciation in fair value of investments (113,982) Interest and dividends 48,156 Less investment expenses 12,883 Net investment loss 78,709 Total additions 300,542 DEDUCTIONS Pension benefits/refunds 16,722 Administrative expenses 8,876 Total deductions 25,598 Net increase 274,944 Net assets held in trust for pension benefits: Beginning 1,605,605 Ending $1,880,549 See notes to general purpose financial statements. -11- NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS SEPTEMBER 30, 2002 NOTE 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The Village of Tequesta, Florida is a municipal corporation organized in 1957 pursuant to Special Act 57 -1915, Laws of Florida. The Village has a Council - Manager form of government. The Village's major operations include public safety (police, fire rescue/EMS), streets and roads, culture and recreation, public improvements, planning and zoning, water, stormwater, recycling services and general and administrative. The general purpose financial statements of the Village have been prepared in conformity with accounting principles generally accepted in the United States (GAAP) as applied to governmental units. The Governmental Accounting Standards Board- (GASB) is the accepted standard- setting body for establishing governmental and financial reporting principles. The more significant of the Village's accounting policies are described below. a. The Financial Reporting Entity The financial statements were prepared in accordance with GASB Statement No. 14, The Financial Reporting Entity, which establishes standards for defining and reporting on the financial reporting entity. The definition of the financial reporting entity is based upon the concept that elected officials are accountable to their constituents for their actions. One of the objectives of financial reporting is to provide users of financial statements with a basis for assessing the accountability of the elected officials. The financial reporting entity consists of the Village, organizations for which the Village is financially accountable, and other organizations for which the nature and significance of their relationship with the Village are such that exclusion would cause the reporting entity's financial statements to be misleading or incomplete. The Village is financially accountable for a component unit if it appoints a voting majority of the organization's governing board and it is able to impose its will on that organization or there is a potential for the organization to provide specific financial benefits to, or impose specific financial burdens on, the Village. Based upon the application of these criteria, the Village Employees' Retirement System (the Retirement System) meets the criteria described above and has been included in the accompanying financial statements. The Retirement System functions for the benefit of the employees and is governed by a seven member board, of which the Village Council appoints three members. The Village and Retirement System members are obligated to fund all Retirement System costs based upon actuarial valuations. The Village funds the difference between member and other contributions and the actuarial cost. Considering these factors, it has been determined that the Retirement System is fiscally dependent on the Village, which makes the Retirement System a component unit of the Village. Since the Retirement System provides services exclusively for the benefit of the Village, the Retirement System is reported as a blended component unit, specifically as the Village Employees' Retirement System. The Village Employees' Retirement System administers the following Plans: The Firefighters' Pension Trust Fund, The Police Officers' Pension Trust Fund, and The General Employees' Pension Trust Fund. This component unit does not issue a stand alone financial report. -12- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) b. Measurement Focus, Basis of Accounting and Basis of Presentation The accounts of the Village are organized and operated on the basis of funds and account groups. A fund is an independent fiscal and accounting entity with a self - balancing set of accounts. Fund accounting segregates funds according to their intended purpose and is used to aid management in demonstrating compliance with finance- related legal and contractual provisions. The minimum number of funds is maintained consistent with legal and managerial requirements. Account groups are a reporting device to account for certain assets and liabilities of the governmental funds not recorded directly in those funds. The following are the funds and account groups used by the Village: Governmental funds are used to account for the Village's general government activities, including the collection and disbursement of earmarked monies (special revenue funds) and the acquisition or construction of general fixed assets (capital projects funds). The General Fund accounts for all financial resources of the general government, except those required to be accounted for in another fund. The Special Revenue Fund accounts for revenue sources that are legally restricted to expenditures for specific resources. The Special Revenue Fund accumulates revenues as required by the Improvement Revenue Refunding Bonds, Series 1994. These revenues include franchise fees and occupational licenses. The Capital Projects Funds are used to account for financial resources to be used for the acquisition or construction of major capital facilities (other than those to be financed by the Enterprise Funds). The Village has established the following two capital projects funds: Capital Improvement Fund Capital Projects Fund Proprietary Funds are accounted for on the flow of economic resources measurement focus and use the accrual basis of accounting. Under this method, revenues are recorded when earned and expenses are recorded at the time liabilities are incurred. The Village applies all applicable FASB pronouncements issued on or before November 30, 1989 unless those pronouncements conflict with or are contradicted by GASB pronouncements. Proprietary funds include the following fund type: Enterprise Funds are used to account for operations (a) that are financed and operated in a manner similar to private business enterprises - where the intent of the governing body is that the costs (expenses, including depreciation) of providing goods or services to the general public on a continuing basis be financed or recovered primarily through user charges; or (b) where the governing body has decided that periodic determination of revenues earned, expenses incurred, and/or net income is appropriate for capital maintenance, public policy, management control, accountability or other purposes. -13- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) b. Measurement Focus, Basis of Accounting and Basis of Presentation (Continued) The Village has established four Enterprise Funds as follows: Water Fund Storm Water Utility Fund Refuse and Recycling Fund Community Development Fund Fiduciary Funds account for assets held by the Village in a trustee capacity or as an agent on behalf of others. Trust funds account for assets held by the Village under the terms of a formal trust agreement. The Pension Trust Funds are accounted for in essentially the same manner as the proprietary funds, using the same measurement focus and basis of accounting. The Village has three pension trust funds as follows: Firefighters' Pension Trust Fund Police Officers' Pension Trust Fund General Employees' Pension Trust Fund The Expendable Trust Fund is accounted for in essentially the same manner as the governmental fund types, using the same measurement focus and basis of accounting. The Village has one Expendable Trust Fund, the Special Law Enforcement Trust Fund, to account for forfeitures received by the Police Department to be expended for certain law enforcement purposes as prescribed by Florida Statute Chapter 932.704. Account Groups. The general fixed assets account group is used to account for fixed assets not accounted for in proprietary or trust funds. The general long -term debt account group is used to account for general long -term debt and certain other liabilities that are not specific liabilities of proprietary or trust funds. The accounting and financial reporting treatment applied to a fund is determined by its measurement focus. All governmental funds and expendable trust funds are accounted for using a current financial resources measurement focus. With this measurement focus, only current assets and current liabilities generally are in on the balance sheet. Operating statements of these funds present increases (i.e., revenues and other financing sources) and decreases (i.e., expenditures and other financing uses) in net current assets. With this measurement focus, all assets and all liabilities associated with the operation of these funds are included on the balance sheet. Fund equity (i.e., net total assets) is segregated into contributed capital and retained earnings components. -14- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) b. Measurement Focus, Basis of Accounting and Basis of Presentation (Continued) The modified accrual basis of accounting is used by all governmental fund types and expendable trust fund. Under the modified accrual basis -of accounting, revenues are recognized when susceptible to accrual (i.e., when they become both measurable and available). "Measurable" means the amount of the transaction can be determined and "available" means collectible within the current period or soon enough thereafter to be used to pay liabilities of the current period. A 60 day availability period is used for revenue recognition for all other governmental fund revenues. Expenditures are recorded when the related fund liability is incurred. Those revenues susceptible to accrual are franchise fees, taxes, special assessments, licenses, interest revenue, and intergovernmental revenues. Sales taxes collected and held by the state at year end on behalf of the Village are also recognized as revenues. Fines and permit revenues are not susceptible to accrual because generally they are not measurable until received in cash. c. Budgets and Budgetary Accounting Formal budgetary integration is employed as a management control device during the year for the General Fund, Special Revenue Fund, Capital Projects Funds and the Enterprise Funds. All budgets are legally enacted through passage of an ordinance. Budgets are adopted on a basis consistent with accounting principles generally accepted in the United States. For budgeting purposes, current year encumbrances are not treated as expenditures. The Village follows these procedures in establishing the budgetary data reflected in the financial statements: 1) Prior to September 1', the Village Manager submits to the Village Council a proposed operating budget for the fiscal year commencing the following October 1'. The operating budget includes proposed expenditures and the means of financing them. 2) Public hearings are conducted to obtain taxpayer-comments. 3) Prior to October 0, the budget is legally enacted through passage of an ordinance. Changes or amendments to the total budgeted fund expenditures must be approved by the Village Council. Management may make unlimited interfunctional transfers within a fund without seeking Council approval. However, in order to make the most effective use of the budgetary process, it is the policy of the Village to make as few budget adjustments as possible. Budget amendments were not material in relation to original appropriations. During the year, supplemental appropriations of $145,694 were made. Appropriations are legally controlled at the fund level and expenditures may not legally exceed budgeted appropriations at that level. Appropriations lapse at year end. .Is- VILLAGE OF T'EQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) d. Cash and Cash Equivalents Cash and cash equivalents include cash on hand, demand deposits and short -term investments with maturities of three months or less when purchased. e. Investments Investments are reported at fair value. f. Interfund Receivables and Payables Transactions between funds that are representative of lending/borrowing arrangements outstanding at the end of the fiscal year are reported as "due to /from other funds." g. Inventories Inventories of the general fund are valued at cost on a first -in, first -out (FIFO) method. Inventories consist of expendable supplies held for consumption. The cost is recorded as an expenditure at the time individual inventory items are purchased. Inventories are recorded on the balance sheet as a reservation of fund balance. Inventories of the Water Fund are valued at lower of cost (determined using the weighted average) or market and consist of pipes, valves, fittings and meters. h. Fixed Assets Fixed assets used in governmental funds are recorded in the General Fixed Assets Account Group at cost or estimated historical cost if purchased or constructed. Donated fixed assets are valued at estimated fair value on the date of donation. Public domain ( "infrastructure') assets, including roads, bridges, curbs and gutters, streets and sidewalks, drainage systems and lighting systems are not capitalized. Assets recorded in the General Fixed Assets Account Group are not depreciated. Depreciation of all exhaustible fixed assets used by proprietary funds is charged as an expense against operations. Accumulated depreciation is reported on proprietary fund balance sheets. Depreciation has been provided over the estimated useful lives using the straight -line method. The estimated useful lives are as follows: Buildings 20-40 years Improvements 20 -30 years Equipment 3 -10 years The cost of normal maintenance and repairs that do not add to the value of the asset or materially extend the assets' lives are not included in the General Fixed Assets Account Group or capitalized in the proprietary funds. -16- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) i. Compensated Absences Compensated absences are amounts employees have earned for vacation and sick leave. Compensated absences are accrued as employees earn the rights to the benefits based upon length of service. In the governmental funds, compensated absences that are expected to be liquidated with expendable available financial resources are reported as an expenditure and fund liability. Amounts not expected to be liquidated with expendable financial resources are reported in the General Long -Term Debt Account Group. In the proprietary funds and similar trust funds, compensated absences are recorded as an expense and liability. j. Deferred Revenue Revenues collected in advance are deferred and recognized as revenue in the period earned. k. Long -Term Obligations The Village reports long -term debt of governmental funds at face value in the General Long - Term Debt Account Group. Certain other governmental fund obligations not expected to be financed with current available financial resources are also reported in the General Long -Term Debt Account Group. Long -term debt and other obligations financed by proprietary funds are reported as liabilities in the appropriate funds. The issuance costs and debt discount on long- term debt are amortized over the life of the bonds using the straight -line method. 1. Encumbrances Encumbrance accounting is used for purposes of budgetary control and recorded at the time a purchase order or other commitment is entered into. Encumbrances outstanding at year end are reported as a reservation of fund balance until expended or accrued as a liability of the fund. m. Reserves and Designations The Village has established reserves and designations of fund balances. The reserved fund balances for governmental funds represent those portions of the fund balance not considered available for future appropriation or legally segregated for a specific use. Designated fund balances represent tentative plans for future use of financial resources. -17- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) n. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Although these estimates are based on management's knowledge of current events and actions it may undertake in the future, they may ultimately differ from actual results. o. Memorandum Only —Total Columns Total columns on the general purpose financial statements are captioned as "memorandum only" because they do not represent consolidated financial information and are presented only to facilitate financial analysis. The columns do not present information that reflects financial position or results of operations in accordance with accounting principles generally accepted in the United States. Interfund eliminations have not been made in the aggregation of this data. NOTE 2. PROPERTY TAXES Ad valorem taxes are assessed and liened as of January I" and billed the following October. They are due and payable on November I of each year or as soon thereafter as the assessment roll is certified and delivered to the Tax Collector. These taxes are collected by the County and remitted to the Village. Revenue is recognized at the time monies are received from the County. All unpaid taxes become delinquent on April 1 following the year in which they are assessed. Discounts are allowed for early payment at the rate of 4% in the month of November, 3% in the month of December, 2% in the month of January and 1% in the month of February. The taxes paid in March are without discount. At September 30' unpaid delinquent taxes, if any, are reflected as a receivable on the balance sheet. Assessed values are established by the Palm Beach County Property Appraiser at approximately fair market value. The assessed value of property at January 1, 2001, upon which the 2001 -2002 levy was based, was approximately $476 million. Under Florida law, the assessment of all properties and the collection of all county, municipal, school district and special district property taxes are consolidated in the offices of the County Property Appraiser and County Tax Collector. The Village is permitted by Article 7, Section 8 of the Florida Constitution to levy taxes up to $10 (10 mills) per $1,000 of assessed valuation for general governmental services (other than the payment of principal and interest on general obligation long -term debt). In addition, unlimited amounts may be levied for the payment of principal and interest on general obligation long -term debt, subject to a limitation on the amount of debt outstanding. The millage rate to finance general governmental services for the year ended September 30, 2002 was 6.7305 mills per $1,000 of assessed valuation. -18- VILLAGE OF T'EQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 3. CASH AND INVESTMENTS Cash Cash includes cash on hand and checking accounts. In addition to insurance provided by the Federal Deposit Insurance Corporation, deposits are held in banking institutions approved by the State Treasurer of the State of Florida to hold public funds. Under Florida Statutes Chapter 280, Florida Security for Public Deposits Act, the State Treasurer requires all Florida qualified public depositories to deposit with the Treasurer or another banking institution eligible collateral. Accordingly, all amounts reported as deposits are insured or collateralized with securities held by the entity or its agent in the entity's name. Investments Investments consist of the Local Government Surplus Funds Trust Fund administered by State Board of Administration and investments held by the Village's retirement funds. The Local Government Surplus Funds Trust Fund is governed by Ch. 19 -7 of the Florida Administrative Code, which identifies the Rules of the State Board of Administration. These rules provide guidance and establish the general operating procedures for the administration of the Local Government Surplus Funds Trust Fund. Additionally, the Office of the Auditor General performs the operational audit of the activities and investments of the State Board of Administration. The Local Government Surplus Funds Trust Fund is not a registrant with the Securities and Exchange Commission (SEC); however, the funds have adopted operating procedures consistent with the requirements for a 2a -7 fund. Florida Statutes authorize the Village to invest surplus funds in the Local Government Surplus Funds Trust Fund, negotiable direct obligations of or obligations unconditionally guaranteed by the U.S. Government; interest bearing time deposits in financial institutions located in Florida and organized under Federal or Florida laws; obligations of the Federal Farm Credit Banks, the Federal Home Loan Mortgage Corporation, the Federal Home Loan Bank or its district banks, or obligations guaranteed by the Government National Mortgage Association and obligations of the Federal National Mortgage Association. Investments (including restricted investments) consist of funds held with the state investment pool, obligations of the United States government and funds held by an outside custodian on behalf of the Pension Trust Funds. The Village's investments are categorized below to give an indication of the level of custodial credit risk assumed by the Village at year end. Category I Insured or registered, or securities held by the Village or its agent in the Village's name. Category 2 Uninsured and unregistered, with securities held by the counterparty's trust department or agent in the Village's name. Category 3 Uninsured and unregistered, with securities held by the counterparty, or by its trust department or agent but not in the Village's name. -19- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 3. CASH AND INVESTMENTS (Continued) Investments (Continued) At year end, the Village's investment balances were as follows: Category 3 Fair Value Corporate bonds $ 242,708 $ 242,708 Government backed securities 364,501 364,501 Government bonds 51,656 51,656 Corporate stocks 726,479 726,479 $1,385,344 1,385,344 Investments not subject to categorization: Mutual funds 491,766 State investment pool 10,053,742 Total $11,930,852 The state investment pool, administered by the State Board of Administration of Florida, contained certain floating rate notes during the fiscal year and at September 30, 2002, which were indexed based on the prime rate and/or one and three month LIBOR rates. The value of the pool shares is equal to the fair value of the Village's reported balance in the State investment pool. Cash, cash equivalents and investments are presented in the combined balance sheet as follows: Cash and cash equivalents $ 399,816 Investments 11,354,970 11,754,786 Restricted assets: Cash and cash equivalents 10,000 Investments 575,882 Total $12,340,668 Deposits $ 409,816 Investments 11,930,852 Total $12,340,668 -20- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 4. INTERFUND RECEIVABLES AND PAYABLES Individual fund interfund receivables and payables at September 30, 2002 are as follows: Fund Receivables Pavables General $ - $ 3,646 Capital Projects - 260,552 Water Enterprise 260,552 257 Stormwater Utility - - Community Development - 84 Firefighters Pension 1,810 - Police Officers' Pension 291 - General Employees Pension 1,886 - Total $ 264,539 $ 264,539 Interfund Administrative Fee During the year ended September 30, 2002, the Enterprise Funds remitted $322,600 to the General Fund for administrative management fees. This amount is reflected as Intragovernmental Services revenue in the General Fund and as management fees, an operating expense, in the Enterprise Funds. NOTE 5. RECEIVABLES Enterprise funds accounts receivable as of September 30, 2002 consists of the following: Refuse and Water Stormwater Recycling Fund Utility Fund Fund Total Billed services $ 354,105 $ 2,019 $ 373 $ 356,497 Less allowance for uncollectibles 4,500 - - (4 Net accounts receivable $ 349,605 $ 2,019 $ 373 $ 351,997 NOTE 6. RESTRICTED ASSETS Restricted assets as of September 30, 2002 consist of the following accounts: Cash Investments Total Customer deposits $10,000 $ 284,293 $ 294,293 Capital improvements - 118,589 118,589 Renewal and replacement - 173,000 173,000 Total restricted assets $10,000 $ 575,882 $ 585,882 -21- VILLAGE OF T'EQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 7. FIXED ASSETS A summary of changes in general fixed assets for the year ended September 30, 2002 is as follows: Balance Balance October 1, September 30, 2001 Additions Deletions 2002 Land $1,894,067 $ 43,400 $ - $ 1,937,467 Buildings 1,113,919 - - 1,113,919 Improvements other than buildings 258,777 693,294 (880) 951,191 Equipment 2,112,178 151,229 (67,415) 2,195,992 Construction in progress - 3,098,605 - 3,098,605 $ 5,378,941 $ 3,986,528 $ 68,295 $ 9,297,174 A summary of changes in the Enterprise Fund's fixed assets follows: Balance Balance October 1, September 30, 2001 Additions Deletions 2002 Land $ 83,336 $ - $ - $ 83,336 Buildings 985,188 - (7,399) 977,789 Improvements other than buildings 12,355,269 10,208,590 (13,399) 22,550,460 Equipment 288,939 183,666 (10,794) 461,811 Construction in progress 9,465,509 66,154 (9,412,074) 119,589 23,178,241 10,458,410 (9,443,666) 24,192,985 Accumulated depreciation (5,295,307) 790,914 24,303 (6,061,918) $17,882,934 $9,667,496 $ 9,419,363 $ 18,131,067 NOTE 8. CAPITAL LEASE COMMITMENTS The Village has entered into three capital leases for the financing of a fire truck, ambulances and vehicles. Payments on all leases are due monthly through October 2003. These lease agreements qualify as capital leases for accounting purposes, and, therefore, have been recorded at the present value of the future minimum lease payments as of the inception date in the general fixed assets account group for governmental fund leases with the related liability in the general long -term debt account group. -22- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 8. CAPITAL LEASE COMMITMENTS (Continued) The following is a schedule of the future minimum lease payments under these capital lease arrangements at September 30, 2002: General Long -Term Debt Fiscal year ending September 30: 2003 $ 88,752 2004 88,752 Total minimum lease payments 177,504 Less amount representing interest 14,648 Present value of future minimum lease payments $ 162,856 NOTE 9. LONG -TERM DEBT a. General Long -Term Debt Revenue Bonds —1994 The Village issued Improvement Revenue Refunding Bonds, Series 1994, in the amount of $1,365,000 with an interest rate of 6.15% dated June 24, 1994 and a maturity date of July 1, 2009. Pursuant to the Bond Resolution, 16- 93/94, the Village is obligated to use Franchise Fees and Occupational Licenses Fees to pay the principal and interest on the bonds. At September 30, 2002, $790,000 of this issue was outstanding. Remaining revenues after all principal and interest payments may be used for any lawful purpose. Annual requirements to amortize this debt are as follows: Principal Interest Total Year ending September 30: 2003 $ 95,000 $ 48,585 $ 143,585 2004 100,000 42,742 142,742 2005 105,000 36,592 141,592 2006 110,000 30,135 140,135 2007 120,000 23,370 143,370 2008 and thereafter 260,000 24,292 284,292 Total_ $ 790,000 $ 205,716 $ 995,716 Line of Credit On June 12, 1997, the Village Council authorized management to enter into a line of credit for $1,000,000 with a bank. The line of credit bears an interest rate of 60% of the bank's prime lending rate. Interest is payable monthly with principal due at maturity, which is 12 -23- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 9. LONG -TERM DEBT (Continued) a. General Long -Term Debt (Continued) Line of Credit (Continued) months from the date of closing. The proceeds from the loan are to be used to fund capital projects within the Village. The Village subsequently increased the line of credit to $6,000,000. The line of credit was renewed January 11, 2002 for another year. On September 13, 2002 the Village repaid the outstanding balance of $1,802,547 with proceeds from a 20 -year note payable. Note Payable On September 13, 2002, the Village Council authorized management to enter into a $5,000,000 loan agreement with a bank, due $31,042 per month including interest at 4.28 %, maturing September 2022. Proceeds from the note are to be used to finance the final construction of the public safety facility, to repay existing debt obligations and to reimburse the Village for prior capital expenditures incurred in connection with the construction of the public safety facility. The loan principal and interest amounts are to be repaid from non ad valorem tax revenues. Annual requirements to amortize this debt are as follows: Principal Interest Total Year ending September 30: 2003 $ 161,648 $ 210,853 $ 372,501 2004 168,704 203,797 372,501 2005 176,068 196,433 372,501 2006 183,753 188,748 372,501 2007 191,774 180,727 372,501 2008 and thereafter 4,118,053 1,469,469 5,587,522 . Total $ 5,000,000 $ 2,450,027 $ 7,450,027 Claims Payable The Village's workers' compensation insurance company notified the Village that it had insufficient assets to meet its ultimate claims liabilities. Therefore, each member of the trust must fund its own individual costs, which would include claims administration and payments of indemnity and medical expenses of injured employees for any claims prior to July 1, 1998. Each member will be billed for actual costs. As of September 30, 2002, the Village had incurred and paid expenses of $17,220. The Village has two open claims for which there could be substantial settlements. As of September 30, 2002, the settlement amounts are estimated to be $105,000, which the Village has recorded a liability in the General Long -Term Debt Account Group. -24- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 9. LONG -TERM DEBT (Continued) a. General Long -Term Debt (Continued) Changes in general long -term debt of the Village for the year ended September 30, 2002 are summarized as follows: October 1, September 30, 2001 Additions Deletions 2002 Improvement Revenue Bonds $ 880,000 $ - $ 90,000 $ 790,000 Line of Credit 1,564,907 259,500 1,824,407 - Capital Lease Obligations 246,696 - 83,440 163,256 Claims and Judgments Payable 165,000 - 60,000 105,000 Compensated Absences 329,111 1,021 - 330,132 Note Payable - 5,000,000 - 5,000,000 . Total $3,185,714 $5,260,521 $2,057,847 $ 6,388,388 b. Enterprise Funds Water Revenue Bonds —1998 The Village issued Water Revenue Bonds, Series 1998, in the amount of $7,915,000 with a varying interest rate of 3.8% to 5.125% dated March 1, 1998 and a maturity date of March 2028. Pursuant to the Bond Resolution, 7- 97/98, the Village is obligated to establish and maintain required reserves as noted in Note 10 — Required Reserves. At September 30, 2002, the outstanding balance was $7,495,000. Annual debt service requirements are as follows: Principal Interest Payments Year ending September 30: 2003 $ 150,000 $ 369,915 $ 519,915 2004 160,000 363,325 523,325 2005 165,000 356,255 521,255 2006 170,000 348,885 518,885 2007 180,000 341,185 521,185 Thereafter 6,670,000 4,189,156 10,859,156 Total 7,495,000 5,968,721 13,463,721 Less unamortized discount 101,654 - (101,654) $ 7,393,346 $ 5,968,721 $13,362,067 Note Payable On April 9, 1999, the Village entered into a note payable agreement to finance the cost of a new utility billing system. The Village financed $108,000 over a term of 48 months at an interest rate of 4.75 %. As of September 30, 2002, the balance of the note was $36,723. -25- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 9. LONGTERM DEBT (Continued) b. Enterprise Funds (Continued) Note Payable (Continued) Annual debt service requirements are as follows: Principal Interest Payments Year ended September 30: 2003 $22,897 $1,117 $ 24,014 2004 13,826 182 14,008 Total $ 36,723 $1,299 $ 38,022 c. Defeasance of Long -Term Debt In a prior year, the Village defeased the 1978 Series $3,915,000 Water Revenue Refunding Bonds by placing the proceeds of new bonds in an irrevocable trust to provide for all future debt service payments on the old bonds. Accordingly, the trust account's assets and the liability for the defeased bonds are not included in the Village's financial statements. At September 30, 2002, $2,540,000 of bonds outstanding is considered defeased. NOTE 10. REQUIRED RESERVES The Bond Resolution of the Water Revenue Bonds Series 1998 requires the establishment of the following accounts: Account Purpose Construction To accumulate funds for payment of construction costs. Revenue To collect the entire gross revenues derived from the water system except investment earnings. Debt service To accumulate sufficient funds to meet the annual debt service requirements through transfers from the revenue account. Operation and maintenance To pay all operating expenses of the system. Rebate To accumulate funds to meet any possible arbitrage rebate expenses, if required. Renewal and replacement To accumulate funds for the purpose of paying for the cost of extensions, additions to, or the replacement of capital assets of the system. Reserve To accumulate funds for payment of principal and interest only if funds in the debt service funds are insufficient. Rate stabilization To accumulate funds to be used for any lawful purpose including making deposits in the revenue account. Impact fees To accumulate impact fee revenue received each fiscal year. To be used in the event that funds in the revenue account are insufficient to funds the debt service account. -26- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 10. REQUIRED RESERVES (Continued) The reserves for revenue bond retirement and renewal and replacement represent the total of restricted assets less amounts payable from restricted assets as reported in the water fund. The Village has established all of the required reserve accounts. NOTE 11. FLORIDA RETIREMENT SYSTEM Plan Description All full time employees hired before January 1, 1996 are eligible to participate in the Florida Retirement System (FRS), a cost sharing, multiple - employer, public retirement system controlled by the State Legislature and administered by the State of Florida Department of Administration, Division of Retirement. The FRS provides retirement and disability benefits, annual cost of living adjustments and death benefits to plan members and beneficiaries. A post employment health insurance subsidy is also provided to eligible employees. Benefits are established by Chapter 121, Florida Statutes and Chapter 22B, Florida Administrative Code. Amendments to the law can only be made by an act of the Florida Legislature. The State of Florida issues a publicly available financial report that includes financial statement and required supplementary information for the FRS. The latest available report was for the fiscal year ended June 30, 2001. That report may be obtained by writing to the State of Florida Division of Retirement, Department of Management Services, 2639 -C North Monroe Street, Tallahassee, Florida 32399 -1560. Funding Policy Participating employers are required to make contributions based upon statewide contribution rates. The contribution rates by job class for the Village's employees at September 30, 2001 were as follows: regular employees — 7.3 %, special risk employees — 18.44% and senior management — 9.28 %. These rates include 1.11% for the employer Health Insurance Subsidy contribution, which is the same for all risk classes. The Village's contributions to the FRS for the fiscal years ended September 30, 1999, 2000 and 2001 were $302,071, $229,701 and $193,585, respectively, which were equal to the required contributions for each fiscal year. -27- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 12. VILLAGE EMPLOYEES' RETIREMENT SYSTEM The Village maintains a single - employer, defined benefit pension retirement system. The retirement system provides benefits to all full time firefighters, as well as any full time police officers or general employees hired January 1, 1996 or thereafter. In 1999, the Plans were amended, establishing a separate plan for public safety officers (firefighters and police officers) and a separate plan for general employees. The retirement system was established by the Village and is administered by three separate Board of Trustees (public safety officers and general employees). The retirement system receives contributions that may not be used to pay the benefits of all employee classes. Due to this restriction, for financial statement purposes, three separate plans are shown as pension trust funds. The Village Employees' Retirement System administers the following plans: The Firefighters' Pension Trust Fund (FPTF), The Police Officers' Pension Trust (PPTF) and the General Employees' Pension Trust Fund (GPTF). The three pension trust funds do not issue stand alone financial statements and have been included in the financial statements of the Village as pension trust funds. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Pension Trust Funds Basis of Accounting The pension trust funds are reported on the accrual basis of accounting. Plan member and state contributions are recognized as revenues in the period that the contributions are due. Employer contributions to each plan are recognized when due and the employer has made a formal commitment to provide the contributions. Benefits and refunds are recognized when due and payable in accordance with the terms of the plan. Method Used to Value Investments Investments are reported at fair value. Short -term investments are reported at cost which approximates fair value. Securities traded on a national or international exchange are valued at the last reported sales price at current exchange rates. Concentration of Investments The Plans did not have any single investment -of 5% or more of net assets in any one organization. PLAN DESCRIPTION AND CONTRIB UTION INFORMA TION The following descriptions of the Pension Trust Funds are provided for general information purposes only. Plan members should refer to the appropriate . source documents for more complete information on the plans. -28- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 12. VILLAGE EMPLOYEES' RETIREMENT SYSTEM (Continued) PLANDESCRIPTIONAND CONTRIBUTIONLYFORMATION (Continued) Membership in each plan consisted of the following at October 1, 2000, the date of the latest actuarial valuation: FPTF PPTF GPTF Retirees and beneficiaries currently receiving benefits and terminated - - - employees entitled to benefits but not yet receiving them Active employees: Vested - - - Non- vested 17 5 10 Total 17 5 10 Benefit provisions and contribution requirements of plan members and the Village are established, and may be amended, only by the Village Council. a. Public Safety Officers' Trust Fund Plan Description Any firefighter or police officer who completes ten or more years of credited service and attains age 55, or completes 25 years of credited service and attains age 52, is eligible for normal retirement benefits. The monthly amount of normal retirement income for a firefighter is equal to the number of years of credited service multiplied by 3% of his average highest compensation. Early retirement may be taken after a firefighter has attained the age of 50 and has ten years of credited service. In the event of early retirement, benefits are actuarially reduced to take into account the firefighter's younger age and earlier commencement of retirement benefits. Such reduction shall not exceed 4% per year. Disability benefits can be received for total and permanent disabilities as determined by the Board of Trustees. If the pension is granted, the benefit amount shall be as follows: If the injury or disease is service connected, the firefighter or police officer shall be entitled to the greater of (a) or (b): (a) A monthly pension equal to 42% of his average compensation, or (b) An amount equal to the number of years of his credited service multiplied by 3% of his average monthly salary based upon his highest five years of service. If the injury or disease is not service connected, the firefighter or police officer shall be entitled to the greater of (a) or (b): (a) A monthly pension equal to 25% of his average compensation, or (b) An amount equal to the number of years of his credited service multiplied by 3% of his average monthly salary based upon his highest five years of service. -29- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 12. VILLAGE EMPLOYEES' RETIREMENT SYSTEM (Continued) PLANDESCRIPTIONAND CONTRIBUTIONINFORMATION (Continued) a. Public Safety Officers' Trust Fund (Continued) Plan Description (Continued) If the firefighter or police officer dies prior to retirement from the Village, his beneficiary shall receive the following benefit: (a) Line -of -Duty- Death- Benefit — a pension to the spouse (or children) of 50% of Average Compensation for life. (b) Non - Line -of- Duty -Death — the spouse of a member with ten years of credited service will receive the actuarial equivalent of the accrued early or normal retirement benefit. If the firefighter or police officer dies or terminates employment with less than ten years of credited service, he is entitled to a refund of the money he contributed. Funding Policy Firefighters and police officers are required to contribute 5% of their compensation to the plan. The State of Florida contributes the net proceeds of the excise tax imposed upon casualty and property insurance premiums on policies written within the Village. The Village is required to contribute the remaining amount to fund the plan using the aggregate actuarial cost method as approved by the plans' Board of Trustees. b. General Employees' Pension Trust Fund Plan Description Any general employee who completes ten or more years of credited service and attains age 62, or completes 30 years of credited service regardless of age, is eligible for normal retirement benefits. The monthly amount of normal retirement income for a general employee is equal to the number of years of credited service multiplied by 2% of his average highest compensation. Early retirement may be taken after a general employee has attained the age of 50 and has ten years of -credited service. In the event of early retirement, benefits are actuarially reduced to take into account the general employee's younger age and earlier commencement of retirement benefits. Such reduction shall not exceed 5% per year. Disability benefits can be received for total and permanent disabilities as determined by the Board of Trustees. If the pension is granted, the benefit amount shall be as follows: If the injury or disease is service connected, the general employee shall be entitled to the greater of (a) or (b): -30- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 12. VILLAGE EMPLOYEES' RETIREMENT SYSTEM (Continued) PLANDESCRIPTIONAND CONTRIBUTIONINFORMATION (Continued) b. General Employees' Pension Trust Fund (Continued) Plan Description (Continued) (a) A monthly pension equal to 42% of his average compensation, or (b) An amount equal to the number of years of his credited service multiplied by 2% of his average monthly salary based upon his highest five years of service. If the injury or disease is not service connected, the general employee shall be entitled to the greater of (a) or (b): (a) A monthly pension equal to 25% of his average compensation, or (b) An amount equal to the number of years of his credited service multiplied by 2% of his average monthly salary based upon his highest five years of service. If the general employee dies prior to retirement from the Village, his beneficiary shall receive an amount equal to the vested pension benefit. A survivor benefit is payable to the beneficiary starting when the member would have reached retirement age. If the general employee dies or terminates employment with less than ten years of credited service, he is entitled to a refund of the money he contributed. Funding Policy General employees are required to contribute 5% of their compensation to the plan. The Village is required to contribute the remaining amount to fund the plan using the aggregate actuarial cost method as approved by the plan's Board of Trustees. Annual Pension Cost The Village's 2002 annual pension cost and actual contributions for each plan are shown below. The required contributions were determined as part of the October 1, 2000 actuarial valuation for each plan. -31- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 12. VILLAGE EMPLOYEES' RETIREMENT SYSTEM (Continued) Annual Pension Cost (Continued) Three -Year Trend Information Annual 'Percentage Net Pension of APC Pension Fiscal Year Endins Cost (APC) Contributed Obligation Firefighters' Retirement System: September 30, 2000 $ 84,745 95.2% $ (114,811) September 30, 2001 62,395 0.0% (112,252) September 30, 2002 71,190 144.1% (143,664) Police Officers' Retirement System: September 30, 2000 7,177 358.2% (81,980) September 30, 2001 19,571 93.0% (80,608) September 30, 2002 31,883 78.8% (73,859) General Employees' Retirement System: September 30, 2000 17,456 149.2% (8,597) September 30, 2001 13,024 284.0% (32,556) September 30, 2002 42,127 114.2% (38,553) Components of Annual Pension Cost and Net Pension Obligation Police General Firefighters' Officers' Employees Annual required contribution (ARC) $ 68,688 $ 30,535 $ 41,607 Interest on net pension obligation (NPO) (8,980) (6,449) (2,604) Adjustment to ARC 11,482 7,797 3,124 Annual pension cost 71,190 31,883 42,127 Actual contributions 102,602 25,134 48,124 Increase (decrease) in NPO (31,412) 6,749 (5,997) NPO at beginning of year 112,252 80,608 3( 2,556) NPO at ending of year $ 143,664 $ (73,859 $ 38,553 -32- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 13. COMMTMENTS AND CONTINGENCIES Long -Term Agreement to Purchase Water On July 15, 1976, the Village entered into an agreement with Tri- Southern Utilities Company, Inc. (the agreement was subsequently assumed by the Town of Jupiter) to purchase water for the Village's water system for a period of 30 years. Rates for water service are based on wholesale rates. The Village is billed monthly based upon a 1,500,000 gallons per day contracted minimum. Lease- Agreements On December 20, 1994, the Village entered into an Interlocal agreement with Palm Bach County. Per the agreement, Palm Beach County provided for partial funding, land acquisition and design and construction of a branch library within Tequesta. Upon completion of the project, the library was leased to Palm Beach County for 50 years for an annual rent of one dollar. In the event the Village terminates the lease before the end of 50 years, the Village must reimburse Palm Beach County a depreciated value using a useful life of 25 years based on an initial value of $405,000 calculated on a straight -line basis. On December 6, 1996, the Village entered into a three year lease agreement to rent commercial office space for the administrative, finance and water services staff. The base annual rent is $47,132 adjusted annually for the Consumer Price Index. At the end of the three year lease, the Village has the option to renew for three additional one year terms. On July 1, 2002, the Village renewed the lease for an additional year with no change in base rent. Contracted Services — Refuse and Recycling Collection Effective October 1, 1989, the Village entered into a franchise agreement with Nichols Sanitation, Inc. for curbside solid waste and recycling collection services. On October 14, 1993, the Village amended the franchise agreement. The amendment extended the agreement for an additional five years commencing October 1, 1994. For consideration of the extension, the collection rates were reduced. In addition, the Village assessed a 6% franchise fee for each residential customer, effective October 1, 1994. Nichols Sanitation may also adjust the curbside and recycling rates beginning October 1, 1995, and each October I' thereafter based upon the change in the Consumer Price Index (CPI). Effective October 1, 1999, the existing agreement was extended through September 30, 2007. Contracted Services — Fire/Emergency Medical Service Effective October 1, 1993, the Village entered into an Interlocal agreement with Jupiter Inlet Colony for the Village to provide fire protection/emergency medical services for a fee. For the year ended September 30, 2002, fire protection fees received from Jupiter Inlet Colony were $165,552. -33- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 13. COMI MN[ENTS AND CONTINGENCIES (Continued) Construction Commitments Significant construction commitments as of September 30, 2002 are as follows: Estimated Estimated Expended Cost to Completion Description to Date Complete Date Governmental Funds Capital Projects Fund. Completed Public Safety Facility $3,086,915 $1,221,610 December 2002 Enterurise Funds Water Fund. Remote Telemetry $ - $ 338,980 March 2003 NOTE 14. RISK MANAGEMENT The Village is exposed to various risks of loss related to torts, theft of, damage to and destruction of assets, errors and omissions, injuries to employees and natural disasters. The Village purchases commercial insurance to cover the various risks. There was no reduction in insurance coverage from coverages in the prior year. Retention of risks is limited to those risks that are uninsurable with deductibles ranging from $250 to $10,000 per occurrence. Major uninsurable risks include damages to infrastructure assets. Since the amount of loss cannot be reasonably estimated and the likelihood of occurrence is not determinable, no provision for losses is reflected in the financial statements. There were no settled claims which exceeded insurance coverage during the past three fiscal years. The Village is insured under a retrospectively rated policy for workers' compensation coverage. The plan is a trust fund comprised of local governmental entities. The premiums are based on the risk class and remuneration of covered employees adjusted by an experience modification based on the claims history of the Village. At the end of the premium year, the Village can either receive a discount or pay an additional premium based its claims experience. Should a deficit develop in the trust fund after excess insurance recoveries, the Village shall thereafter be responsible for its individual costs. -34- VILLAGE OF TEQUESTA, FLORIDA NOTES TO GENERAL PURPOSE FINANCIAL STATEMENTS (Continued) NOTE 15. SEGMENT INFORMATION FOR ENTERPRISE FUNDS The Village maintains four separate enterprise funds which provide water, stormwater, refuse and recycling services and community development. Segment information for the year ended September 30, 2002 was as follows: Storm Refuse and Community Water Water Recycling Development Total Operating revenues $ 3,597,159 $ 293,194 $250,536 $ 690,918 $ 4,831,807 Depreciation 737,650 48,079 - 5,185 790,914 Operating income (loss) 193,808 (77,895) 22,986 207,831 346,730 Non- operating revenues (expenses) (94,252) 140,370 2,790 18,916 67,824 Operating transfers in - - - 60,000 60,000 Operating transfers out (1,319,400) (60,300) - - (1,379,700) Net income (loss) (1,219,844) 2,175 25,776 286,747 (905,146) Property and equipment additions 639,077 358,237 - 19,429 1,016,743 Net working capital 1,779,838 229,131 106,295 1,027,362 3,142,626 Total assets 19,888,353 1,621,856 124,775 1,078,133 22,713,117 Total equity 11,911,886 1,615,815 106,295 1,048,289 14,682,285 NOTE 16. JOINT VENTURE The Village, in conjunction with six other municipalities, organized a consortium to provide mutual fire and emergency aid. The consortium is known as the Northern Area Mutual Aid Consortium (NAMAC). During 1999, the consortium purchased equipment and supplies as well as collected contributions. The consortium does not issue separate financial statements. The Village was not obligated to contribute any funds in the fiscal years 1999, 2000, 2001 and 2002. -35- REQUIRED SUPPLEMENTAL INFORMATION VILLAGE OF TEQUESTA, FLORIDA REQUIRED SUPPLEMENTAL INFORMATION SCHEDULE OF CONTRIBUTIONS FROM THE EMPLOYER AND OTHER CONTRIBUTING ENTITIES SEPMUBER 30, 2002 Annual Fiscal Required Village State Percentage Year Contribution Contribution Contribution Contributed Firefighters' Pension Fund 1997 $ 103,571 $ 80,933 $ 32,975 110.0% 1998 115,024 101,403 37,535 120.8% 1999 82,881 107,914 35,118 172.6% 2000 82,881 49 31,247 97.3% 2001 59,836 24,694 4,783 49.3% 2002 59,836 66 81,917 247.6% Police Officers' Pension Fun 1997 $ 1,282 $ - $ 20,140 1571.0% 1998 8,393 8,000 25,134 394.8% 1999 6,384 20,266 29,795 784.2% 2000 6,384 576 42,178 669.7% 2001 18,199 - - 0.0% 2002 18,199 - 81,854 449.8% General Employees' Pension Fun 1997 $ 11,399 $ 11,400 N/A 100.0% 1998 13,440 13,440 N/A 100.0% 1999 17,456 17,456 N/A 100.0% 2000 17,456 26,053 N/A 149.2% 2001 12,887 30,687 N/A 238.1% 2002 12,887 48,124 N/A 373.4% -36- VILLAGE OF TEQvESTA, FLORIDA REQUIRED SUPPLEMENTAL INFORMATION FISCAL YEAR ENDED SEPTEMBER 30, 2002 Police General Firefighters Officers Employees Pension Pension Pension Fund Fund Fund Valuation date 10/1/2000 10/1/2000 10/1/2000 Actuarial cost method Aggregate Aggregate Aggregate Amortized method (1) (1) (1) Remaining amortization period (1) (1) (1) Asset valuation method Fair value Fair value Fair value Administrative costs Included in calculation Included in calculation Included in calculation of normal cost of normal cost of normal cost Actuarial assumptions: Investment rate of return* 8% 8% 8% Projected salary increase* 6% 6% 6% *Includes inflation at 4% 4% 4% Cost of living adjustments 0% 0% 0% (1) When the aggregate actuarial cost method is used, unfunded actuarial liabilities are not identified or separately amortized; therefore, a schedule of funding progress is not required and has not been provided. -37- GENERAL FUND VILLAGE OF TEQUESTA, FLORIDA SCHEDULE OF REVENUES - BUDGET AND ACTUAL GENERAL FUND FISCAL YEAR ENDED SEPTEMBER 30, 2002 Variance Favorable Budget Actual (Unfavorable) Taxes: Ad .valorem taxes: Current $3,121,702 $3,147,730 $ 26,028 Delinquent 3,000 6,167 3,167 Total ad valorem taxes 3,124,702 3,153,897 29,195 Public service taxes: Electric 350,000 362,884 12,884 Local communication services 226,430 319,357 92,927 Water 120,000 136,133 16,133 Gas 36,000 15,983 (20,017) Telephone - 216 216 Total public service taxes 732,430 834,573 102,143 Local option gas tax 166,000 174,357 8 Total taxes 4,023,132 4,162,827 139,695 Licenses and permits: Other licenses and permits 11,200 9,793 (1,407) Intergovernmental: One -half cent sales tax 372,560 374,280 1,720 State revenue sharing 134,380 141,965 7,585 Grants 88,000 58,499 (29,501) 911 maintenance reimbursement 37,500 52,190 14,690 Other 4,800 8,014 3,214 Alcoholic beverage licenses 4,000 3,158 (842) Total intergovernmental 641,240 638,106 (3,134) Charges for services: EMS transport service 130,050 165,890 35,840 Fire rescue service 165,500 165,552 52 Certification, copying, record search 3,000 17,905 14,905 Fire plan review services 6,300 17,749 11,449 Fire inspections 14,100 11,269 (2,831) Extra duty - contracted services 2,500 3,632 1,132 Other fire rescue/EMS services 850 653 (197) Total charges for services 322,300 382,650 60,350 (Continued) -38- VILLAGE OF TEQUESTA, FLORIDA SCHEDULE OF REVENUES - BUDGET AND ACTUAL GENERAL FUND (Continued) FISCAL YEAR ENDED SEPTEMBER 30, 2002 Variance Favorable Budge Actual (Unfavorable) Fines and forfeitures: Court fines $ 45,000 $ 66,495 $ 21,495 Parking tickets 2,500 1,980 (520) Code enforcement 1,000 283 (717) Total fines and forfeitures 48,500 68,758 20,258 Interest: Investments 110,000 73,685 (36,315) Tax collector 3,000 2,206 (794) Total interest 113,000 75,891 (37,109) Miscellaneous: Other 12,100 46,423 34,323 Impact fees: Parks and recreation 3,000 31,557 28,557 Fire rescue 3,000 6,861 3,861 Police 3,000 5,902 2,902 Total impact fees 9,000 44,320 35,320 Intragovernmental services: Administrative management - enterprise funds 327,270 327,270 - Rent and utilities - enterprise funds 7,800 - (7,800) Total intergovernmental services 335,070 327,270 (7,800) Total revenues $5,515,542 $5,756,038 $ 240,496 -39- VILLAGE OF TEQUESTA, FLORIDA SCHEDULE OF EXPENDITURES - BUDGET AND ACTUAL GENERAL FUND (Continued) FISCAL YEAR ENDED SEPTEMBER 30, 2002 Variance Favorable Budge Actual (Unfavorable) General government: Legislative: Travel and per diem $ 22,700 $17,133 $ 5,567 Other charges 12,850 12,788 62 Books, publications and dues 5,575 1,850 3,725 Total legislative 41,125 31,771 9,354 Executive: Salaries 276,757 264,992 11,765 Life and health insurance 32,435 31,583 852 Professional fees 26,038 25,621 417 F.I.C.A. 19,182 18,029 1,153 Other charges 17,928 12,933 4,995 Retirement 15,064 15,862 (798) Deferred compensation insurance 7,331 7,320 11 Travel and per diem 4,190 4,956 (766) Contractual services 4,170 3,759 411 Books, publications, dues 3,510 2,718 792 Office supplies 3,442 2,056 1,386 Workers' compensation insurance 1,424 1,132 292 Office machines maintenance 750 710 40 Total personnel 412,221 391,671 20,550 (Continued) -40- VILLAGE OF TEQUESTA, FLORIDA SCHEDULE OF EXPENDITURES - BUDGET AND ACTUAL GENERAL FUND (Continued) FISCAL YEAR ENDED SEPTEMBER 30, 2002 Variance Favorable Budget Actual (Unfavorable) General government: Finance: Salaries $ 202,526 $ 184,241 $ 18,285 Accounting and auditing 18,000 17,568 432 Life and health insurance 26,065 16,818 9,247 F.I.C.A. 13,840 13,858 (18) Other charges 11,000 9,870 1,130 Retirement 9,941 8,995 946 Temporary services 8,130 8,128 2 Office supplies 7,800 6,278 1,522 Repairs and maintenance 4,300 4,141 159 Workers' compensation insurance 981 906 75 Office machines maintenance 900 395 505 Travel and per diem 1,840 351 1,489 Books, publications, dues 1,200 249 951 Contractual services 694 190 504 Total finance 307,217 271,988 35,229 Legal counsel: Legal services 135,000 146,053 (11,053) Other general government: Other charges 83,205 86,864 (3,659) Salaries 100,119 60,873 39,246 Rentals and leases 30,625 47,253 (16,628) Communication services 24,300 21,460 2,840 Promotional activities 15,700 19,144 (3,444) Office supplies 3,938 15,064 (11,126) Insurance /claims and judgments 10,510 10,713 (203) Contractual services 16,918 10,078 6,840 Other personal services 15,900 8,567 7,333 Village hall maintenance 13,420 4,814 8,606 Workers' compensation insurance 10,000 3,856 6,144 Utility services 15,000 3,799 11,201 Transportation/postage 9,160 2,140 7,020 Printing and binding 500 1,586 (1,086) Books, publications, dues 1,200 1,018 182 F.I.C.A. 2,180 941 1,239 Total other general government 352,675 298,170 54,505 Total general government 1,248,238 1,139,653 108,585 (Continued) -41- VILLAGE OF TEQUESTA, FLORIDA SCHEDULE OF EXPENDITURES - BUDGET AND ACTUAL GENERAL FUND (Continued) FISCAL YEAR ENDED SEPTEMBER 30, 2002 Variance Favorable Budget Actual (Unfavorable) Public safety: Police department: Salaries $1,109,930 $1,109,801 $ 129 Life and health insurance 138,225 128,120 10,105 Retirement 123,460 123,516 (56) F.I.C.A. 89,060 91,346 (2,286) Overtime 84,801 87,161 (2,360) Other charges 71,137 68,413 2,724 Operating supplies 69,083 62,633 6,450 Workers' compensation insurance 51,885 47,501 4,384 Insurance 32,000 41,517 (9,517) Repairs and maintenance 44,325 40,496 3,829 Communication services 15,640 14,774 866 Personnel training 10,654 9,471 1,183 Travel and per diem 6,840 4,907 1,933 Office supplies 3,900 4,340 (440) Rentals and leases 5,388 3,448 1,940 Printing and binding 4,210 3,550 660 Books, publications, dues 2,640 2,062 578 Total police department 1,863,178 1,843,056 20,122 Emergency and disaster relief: Civil preparedness 7,832 6,370 1,462 Fire rescue/EMS services: Salaries 898,464 901,219 (2,755) Life and health insurance 105,190 102,265 2,925 Other charges 80,638 71,628 9,010 F.I.C.A. 68,857 68,180 677 Workers' compensation insurance 53,586 53,045 541 Retirement 39,217 40,208 (991) Operating supplies 49,190 38,653 10,537 Repairs and maintenance 40,363 34,231 6,132 Insurance 19,935 19,859 76 Volunteer fire rescue/EMS 13,057 11,990 1,067 Utility services 12,459 10,800 1,659 Communication services 7,736 8,106 (370) Books, publications, dues 8,801 7,925 876 Travel and per diem 4,338 3,475 863 Office supplies 3,080 3,448 (368) Contractual services 3,262 2,608 654 Rentals and leases 2,760 2,389 371 Printing and binding 1,061 513 548 Total fire rescue/EMS services 1,411,994 1,380,542 31,452 Total public safety 3,283,004 3,229,968 53,036 (Continued) .-42- VILLAGE OF TEQUESTA, FLORIDA SCHEDULE OF EXPENDITURES - BUDGET AND ACTUAL GENERAL FUND (Continued) FISCAL YEAR ENDED SEPTEMBER 30, 2002 Variance. Favorable Budget Actual (Unfavorable) Transportation: Road and street facilities: Contractual services $116,600 $105,814 $ 10,786 Salaries 84,450 83,880 570 Utility services 99,750 73,635 26,115 Repairs and maintenance 62,000 48,094 13,906 Professional fees 27,610 34,394 (6,784) Road materials and supplies 18,000 12,215 5,785 Insurance 13,000 9,566 3,434 Life and health insurance 22,620 8,636 13,984 F.I.C.A. 6,100 6,257 (157) Operating supplies 8,100 5,864 2,236 Workers' compensation insurance 6,000 5,746 254 Retirement 4,990 3,798 1,192 Other charges 2,400 694 1,706 Rentals and leases 3,000 2,975 25 Communication services 1,400 1,642 (242) Books, publications, dues 200 153 47 Travel and per diem 500 - 500 Total transportation 476,720 403,363 73,357 (Continued) -43- VILLAGE OF TEQUESTA, FLORIDA SCHEDULE OF EXPENDITURES - BUDGET AND ACTUAL GENERAL FUND FISCAL YEAR ENDED SEPTEMBER 30, 2002 Variance Favorable Bu_ dszet Actual (Unfavorable) Culture /recreation: Parks and recreation: Salaries $ 104,269 $ 103,968 $ 301 Repairs and maintenance 71,342 66,975 4,367 Other charges 33,204 42,637 (9,433) Contractual services 38,165 33,947 4,218 Utility services 24,500 19,380 5,120 Life and health insurance 25,150 19,308 5,842 F.I.C.A. 7,850 7,982 (132) Aid to community organizations 7,000 7,000 - Retirement 8,370 6,968 1,402 Workers' compensation insurance 3,100 5,505 (2,405) Insurance 3,800 4,238 (438) Communication services 2,869 2,814 55 Operating supplies 2,302 2,378 (76) Aid to government organizations 1,770 1,750 20 Books, publications, dues 380 380 - Office supplies 100 96 4 Total culture /recreation 334,171 325,326 8,845 Capital outlay: Police 109,799 113,580 (3,781) Fire rescue /EMS services 46,000 42,995 3,005 Culture /recreation 16,158 14,003 2,155 General government - other 13,728 11,296 2,432 Transportation 14,000 5,048 8,952 General government - executive 1,420 1,414 6 Total capital outlay 201,105 188,336 12,769 Debt service: Principal retirement 163,717 1,907,263 (1,743,546) Interest 208,399 79,537 128,862 Total debt service 372,116 1,986,800 (1,614,684) Total expenditures $ 5,915,354 $ 7,273,446 $ (1,358,092 -44- CAPITAL PROJECTS FUNDS VILLAGE OF T'EQUESTA, FLORIDA COMBINING BALANCE SHEET CAPITAL PROJECTS FUNDS SEPTEMBER 30, 2002 Capital Capital Improvement Projects Fund Fund Total ASSETS Cash and cash equivalents $ 15,477 $ - $ 15,477 Investments 824,193 2,521,113 3,345,306 Accounts receivable 16,622 50,000 66,622 Total assets $ 856,292 $2,571,113 $3,427,405 LIABILITIES AND FUND BALANCES Liabilities: Accounts payable $ 250,791 $ 327,518 $ 578,309 Due to other funds - 260,552 260,552 Total liabilities 250,791 588,070 838,861 Fund Balances: Reserved for encumbrances 25,616 1,005,001 1,030,617 Unreserved: Designated for road projects 155,370 - 155,370 Undesignated 424,515 978,042 1,402,557 Total fund balances 605,501 1,983,043 2,588,544 Total liabilities and fund balances $ 856,292 $2,571,113 $3,427,405 -45- VILLAGE OF TEQUESTA, FLORIDA COMBINING STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES CAPITAL PROJECTS FUNDS FISCAL YEAR ENDED SEPTEMBER 30, 2002 Capital Capital Improvement Projects Fund Fund Total Revenues: Grants $ - $ 142,207 $ 142,207 Interest 4,535 1,113 $ 5,648 Total revenues 4,535 143,320 147,855 Expenditures: Capital outlay 517,869 3,341,921 3,859,790 Deficiency of revenues over expenditures (513,334) (3,198,601) (3,711,935) Other financing sources: Operating transfers in 468,350 4,366,317 4,834,667 Proceeds from notes payable - 252,000 252,000 Excess (deficiency) of revenues over expenditures and other financing sources (44,984) 1,419,716 1,374,732 Fund balances, beginning 650,485 563,327 1,213,812 Fund balances, ending $ 605,501 $1,983,043 $2,588,544 -46- VILLAGE OF TEQUESTA, FLORIDA COMBINING STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCE BUDGET AND ACTUAL CAPITAL PROJECTS FUNDS FISCAL YEAR ENDED SEPTEMBER 30, 2002 Capital Improvement Fund Capital Projects Fund Total Variance Variance Variance Favorable Favorable Favorable Budget Actual (Unfavorable) Budget Actual (Unfavorable) Budget Actual (Unfavorable Revenues: Grants $ - $ - $ - $ 147,488 $ 142,207 $ (5,281) $ 147,488 $ 142,207 $ (5,281) Interest 14,600 4,535 (10,065) - 1,113 1,113 14,600 5,648 (8,952) Total revenues 14,600 4,535 (10,065) 147,488 143,320 (4,168) 162,088 147,855 (14,233) Expenditures: Capital outlay 521,000 517,869 (3,131) 4,568,564 3,341,921 (1,226,643) 5,089,564 3,859,790 (1,229,774) Deficiency of revenues over expenditures (506,400) (513,334) (6,934) (4,421,076) (3,198,601) 1,222,475 (4,927,476) (3,711,935) 1,215,541 Other financing sources: Operating transfers in 506,400 468,350 (38,050) 1,178,076 4,366,317 3,188,241 1,684,476 4,834,667 3,150,191 Proceeds from notes payable - - - 3,243,000 252,000 (2,991,000) 3,243,000 252,000 (2,991,000) Excess (deficiency) of revenues over expenditures and other financing sources $ - (44,984) $ (44,984) $ - 1,419,716 $ 1,419,716 $ - 1,374,732 $ 1,374,732 Fund balances, beginning 650,485 563,327 1,213,812 Fund balances, ending $ 605,501 $1,983,043 $ 2,588,544 -47- ENTERPRISE FUNDS VILLAGE OF TEQUESTA, FLORIDA COMBINING BALANCE SHEET ENTERPRISE FUNDS SEPTEMBER 30, 2002 Storm Refuse Water and Community Water Utility Recycling Development Fund Fund Fund Fund Total ASSETS Assets: Cash and cash equivalents $ 239,047 $ 12,668 $ 9,765 $ 9,912 $ 271,392 Investments 1,521,790 219,782 114,637 1,045,740 2,901,949 Accounts receivable 349,605 2,019 373 - 351,997 Due from other funds 260,552 - - - 260,552 Inventories 13,373 - - - 13,373 Restricted assets: Cash and cash equivalents 10,000 - - - 10,000 Investments 575,882 - - - 575,882 Other assets 195,117 - - 1,788 196,905 Fixed assets, net 16,722,987 1,387,387 - 20,693 18,131,067 Total assets $19,888,353 $1,621,856 $124,775 $ 1,078,133 $22,713,117 LIABILITIES AND FUND EQUITY Liabilities: Accounts payable $ 114,046 $ 5,338 $ 18,480 $ 16,025 $ 153,889 Accrued liabilities 45,111 703 - 3,872 49,686 Deferred revenue - - - 8,309 8,309 Payable from restricted assets: Deposits 294,293 - - - 294,293 Due to other funds 257 - - 84 341 Due to other governments 822 - - - 822 Current portion of notes payable 22,896 - - - 22,896 Current portion of bonds payable 150,000 - - - 150,000 Compensated absences 91,869 - 1,554 93,423 Notes payable 13,827 - - - 13,827 Bonds payable 7,243,346 - - - 7,243,346 Total liabilities 7,976,467 6,041 18,480 29,844 8,030,832 Fund equity: Contributed capital 5,155,118 230,825 - 4,476 5,390,419 Retained earnings 6,756,768 1,384,990 106,295 1,043,813 9,291,866 Total fund equity 11,911,886 1,615,815 106,295 1,048,289 14,682,285 Total liabilities and fund equity $19,888,353 $1,621,856 $124,775 $ 1,078,133 $22,713,117 -48- VILLAGE OF TEQUESTA, FLORIDA COMBINING STATEMENT OF REVENUES, EXPENSES AND CHANGES IN RETAINED EARNINGS ENTERPRISE FUNDS FISCAL YEAR ENDED SEPTEMBER 30, 2002 Storm Refuse Water and Community Water Utility Recycling Development Fund Fund Fund Fund Total Operating revenues: Charges for services $3,597,159 $ 293,194 $250,536 $ 73,313 $4,214,202 Licenses and permits - - - 616,918 616,918 Total operating revenues 3,597,159 293,194 250,536 690,231 4,831,120 Operating expenses: Personal services 802,027 23,243 - 175,328 1,000,598 Purchased services 667,950 - 222,736 - 890,686 Depreciation 737,650 48,079 - 5,185 790,914 Repairs and maintenance 291,063 257,654 - 8,965 557,682 Management services 225,000 8,000 4,670 89,600 327,270 Contractual services 104,446 10,274 - 170,471 285,191 Professional services 172,661 17,712 - 17,405 207,778 Utilities 202,864 - - 1,768 204,632 Operating supplies 76,189 346 - - 76,535 Other 50,787 2,746 144 6,027 59,704 Insurance 42,187 3,027 - 3,996 49,210 Office supplies 27,909 8 - 3,217 31,134 Travel and per diem 2,618 - - 438 3,056 Total operating expenses 3,403,351 371,089 227,550 482,400 4,484,390 Operating income (loss) 193,808 (77,895) 22,986 207,831 346,730 Non - operating revenues (expenses): Miscellaneous revenue 185,661 - - 975 186,636 Interest income 112,678 12,837 2,790 17,941 146,246 Reimbursement revenue - 127,533 - - 127,533 Interest and fiscal charges 392,591 - - - (392 Total non - operating revenues (expenses) 94,252 140,370 2,790 18,916 67,824 Income before operating transfers 99,556 62,475 25,776 226,747 414,554 Operating transfers: Operating transfers in - - - 60,000 60,000 Operating transfers out 1,319,400 (60,300 - - 1,379,700 Net operating transfers in (out) 1,319,400 (60,300 - 60,000 1,319,700 Net income (loss) (1,219,844) 2,175 25,776 286,747 (905,146) Retained earnings, beginning 7,976,612 1,382,815 80,519 757,066 10,197,012 Retained earnings, ending $6,756,768 $1,384,990 $106,295 $ 1,043,813 $9,291,866 -49- r OIL N O h M '�V n 0• OI b I 7 O N ry C .D N b W v m h N h 00 N h O� v h N a 0 o Q W O e�1 v r H y N m O oO b y O N O a0 N h !• O 7 b O b b m oil .D N .p O ^^ T o0 00 F T F m m O m.. h O' m M R ,g W N O. 8 h wp p� pOp�� b N F b h n f� O m 1� t.Op N h h 00 O O H N. b O OO F V m N N v °` V m m 0 N H � r a ^ ^ y ��}} ao O' '•' d• N h N h h OO h m V N O. m V' Q b b l� � OO m N O a0 O� m m N N r r h M N h N h o0 H ^ y W G m M N C ' w � N 6 " y a0 r h • .b.. 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O 'n O �iX J� C 6 •8 'O O •C 'p o�:a P. aaa z sxs 8 <00 z a"c a VILLAGE OF TEQUESTA, FLORIDA COMBINING STATEMENT OF CASH FLOWS ENTERPRISE FUNDS FISCAL YEAR ENDED SEPTEMBER 30, 2002 Storm Refuse Water and Community Water Utility Recycling Development Fund Fund Fund Fund Total Cash flows from operating activities: Operating income (loss) $ 193,808 $(77,895) $ 22,986 $ 207,831 $ 346,730 Adjustments to reconcile operating income (loss) to net cash provided by (used in) operating activities: Depreciation 737,650 48,079 - 5,185 790,914 Loss on disposal of fixed assets 6,289 - - 1,000 7,289 Changes in operating assets and liabilities: (Increase) decrease in: Accounts receivable 248,551 (1,918) (335) - 246,298 Inventories 24,313 - - - 24,313 Due from other funds (260,552) 132,270 - (1,788) (130,070) Other assets 6,259 - - - 6,259 Increase (decrease) in: Accounts payable and accrued liabilities (356,798) (138,841) 526 5,950 (489,163) Due to other governments (15,622) - - - (15,622) Deferred revenue 18,597 - - 8,309 26,906 Compensated absences 6,592 337 - - 6,929 Due to other funds 1,782,914 113,955 - 84 (1,896,785 Net cash provided by (used in) operating activities 1,173,827 151,923 23,177 226,571 1,076,002 Cash flows from non - capital financing activities: Operating transfers from other funds - - - 60,000 60,000 Operating transfers to other funds (1,319,400) (60,300) - - (1,379,700) Other miscellaneous revenues 185,661 127,533 - 975 314,169 Net cash provided by (used in) non - capital financing activities 1,133,739 67,233 - 60,975 1,005,531 Cash flows from capital and related financing activities: Acquisition and construction of fixed assets (668,669) (358,237) - (19,429) (1,046,335) Principal payments (163,036) - - - (163,036) Interest paid 392,591 - - - 392,591 Net cash used for capital and related financing activities 1,224,296 358,237 - (19,429) 1,601,962) Cash flows from investing activities: Purchases and sales of investments 1,297,427 442,758 (22,636) (302,942) 1,414,607 Interest received on investments 112,678 12,837 2,790 17,941 146,246 Net cash provided by (used in) investing activities 1,410,105 455,595 19,846 (285,001) 1,560,853 Net increase (decrease) in cash and cash equivalents (2,121,757) 12,668 3,331 (16,884) (2,122,642) Cash and cash equivalents, beginning 2,370,804 - 6,434 26,796 2,404,034 Cash and cash equivalents, ending $ 249,047 $ 12,668 $ 9,765 $ 9,912 $ 281,392 Supplemental information: Cash paid for interest $ 392,591 $ - $ - $ - $ 392,591 -51- FIDUCIARY FUNDS VILLAGE OF TEQUESTA, FLORIDA COMBINING BALANCE SHEET TRUST FUNDS SEPTEMBER 30, 2002 Pension Expendable Trust Trust Funds Fund Special Law All Enforcement Pension Trust Funds Fund Total ASSETS Cash and cash equivalents $ - $ 3,324 $ 3,324 Investments at fair value 1,877,112 9,086 1,886,198 Due from other funds 3,987 - 3,987 Total assets $1,881,099 $ 12 $1,893,509 LIABILITIES AND FUND BALANCES Liabilities: Accounts payable $ 550 $ - $ 550 Fund balances: Reserved for: Law enforcement - 12,410 12,410 Employees' pension benefits 1,880,549 - 1,880,549 Total fund balances 1,880,549 12,410 1,892,959 Total liabilities and fund balances $1,881,099 $ 12,410 $1,893,509 -52- VILLAGE OF TEQUESTA, FLORIDA COMBINING STATEMENT OF PLAN NET ASSETS PENSION TRUST FUNDS SEPTEMBER 30, 2002 Police General Firefi h� ters Officers Employees Total ASSETS Investments at fair value $1,362,804 $ 267,469 $ 246,839 $1,877,112 Due from other funds 1,810 291 1,886 3,987 Total assets 1,364,614 267,760 248,725 1,881,099 LIABILITIES AND NET ASSETS Liabilities: Accounts payable 550 - - 550 Net assets held in trust for pension benefits $1,364,064 $ 267,760 $ 248,725 $1,880,549 -53- VELLAGE OF TEQUESTA, FLORIDA COMBINING STATEMENT OF CHANGES IN PLAN NET ASSETS PENSION TRUST FUNDS FISCAL YEAR ENDED SEPTEMBER 30, 2002 Police General Firefighters Officers Employ Total ADDITIONS Contributions: State $ 81,917 $ 81,854 $ - $ 163,771 Employer 66,261 - 48,124 114,385 Employees 44,038 16,992 40,065 101,095 Total contributions 192,216 98,846 88,189 379,251 Investment income (loss): Net depreciation in fair value of investments (101,513) (12,469) - (113,982) Less investment expenses (11,545) (1,338) - (12,883) Interest and dividends 40,076 4,923 3,157 48,156 Net investment income (loss) 72,982 8,884 3,157 (78,709) Total additions 119,234 89,962 91,346 300,542 DEDUCTIONS Pension benefits /refunds 1,692 4,529 10,501 16,722 Administrative expenses 6,421 1,330 1,125 8,876 Total deductions 8,113 5,859 11,626 25,598 Net increase 111,121 84,103 79,720 274,944 Net assets held in trust: Beginning 1,252,943 183,657 169,005 1,605,605 Ending $1,364,064 $ 267,760 $ 248,725 $1,880,549 -54- GENERAL FIXED ASSETS ACCOUNT GROUP VILLAGE OF TEQUESTA, FLORIDA SCHEDULE OF GENERAL FIXED ASSETS - BY SOURCE SEPTEMBER 30, 2002 General fixed assets: Land $1,937,467 Buildings 1,113,919 Improvements other than buildings 951,192 Equipment 2,195,991 Construction in progress 3,098,605 Total general fixed assets $ 9,297,174 Investment in general fixed assets: General fund $ 9,297,174 Total investment in general fixed assets $ 9,297,174 -55- VILLAGE OF TEQUESTA, FLORIDA SCHEDULE OF GENERAL FIXED ASSETS - BY FUNCTION FISCAL YEAR ENDED SEPTEMBER 30, 2002 Buildings and Construction Land Improvements Equipment in Progress Total General government $1,844,338 $ 910,568 $ 52,551 $ - $2,807,457 Public safety 43,401 120,989 1,804,990 3,098,605 5,067,985 Transportation - 7,713 247,975 - 255,688 Human services - - 5,520 - 5,520 Culture /recreation 49,728 911,197 84,955 - 1,045,880 1,937,467 1,950,467 2,195,991 3,098,605 9,182,530 Prior year data which cannot be allocated - 114,644 - - 114,644 Total general fixed assets $1,937,467 $ 2,065,111 $ 2,195,991 $ 3,098,605 $ 9,297,174 -56- VILLAGE OF TEQUESTA, FLORIDA SCHEDULE OF CHANGES IN GENERAL FIXED ASSETS - BY FUNCTION FISCAL YEAR ENDED SEPTEMBER 30, 2002 General General Fixed Fixed Assets Assets October 1, September 30, 2001 Additions Deletions 2002 General government $2,807,457 $ - $ - $ 2,807,457 Public safety 1,862,593 3,272,807 (67,415) 5,067,985 Transportation 248,415 7,273 - 255,688 Human services 5,520 - 5,520 Culture /recreation 340,312 706,447 879 1,045,880 5,264,297 3,986,527 (68,294) 9,182,530 Prior to allocation by function 114,644 - - 114,644 Total general fixed assets $ 5,378,941 $ 3,986,527 $ 68,294 $ 9,297,174 -57- • - y STATISTICAL SECTION VILLAGE OF TEQUESTA, FLORIDA GENERAL GOVERNMENTAL EXPENDITURES BY FUNCTION (UNAUDITED) (1) LAST TEN FISCAL YEARS Public Physical Culture Fiscal General Safety Environment Human and Capital Debt Year Government fD Transportation Services Recreation Outlay Service Totals 1993 $ 939,549 $2,552,513 $ 428,910 $ 4,594 $ 591 $ 138,873 $ 185,178 $ 88,565 $4,338,773 1994 675,054 2,198,202 415,015 - 624 122,703 912,413 304,476 4,628,487 1995 770,264 2,249,850 458,208 4,179 472 154,508 1,590,410 201,415 5,429,306 1996 815,361 2,578,374 512,984 - 1,033 161,766 1,333,911 206,861 5,610,290 1997 747,024 2,472,639 409,404 - 1,033 208,619 810,975 207,771 4,857,465 1998 964,623 2,572,384 413,501 - 1,255 243,768 367,896 252,229 4,815,656 1999 839,914 2,671,668 296,321 - 2,984 239,017 1,811,211 409,917 6,271,032 2000 895,633 2,649,089 381,372 - 35 245,130 440,175 493,188 5,104,622 2001 1,216,011 2,996,439 430,813 - - 238,843 1,385,665 650,454 6,918,225 2002 1,139,653 3,229,968 403,363 - - 325,326 4,051,287 2,131,261 11,280,858 (1) Includes General, Special Revenue, Debt Service, Capital Projects and Expendable Trust Funds. (2) Includes Fire/Emergency Contract with Palm Beach County beginning year 1985 through year 1993. Tequesta began its own department beginning in year 1994. (3) Refuse and recycling reported in Enterprise funds beginning in 1991. Source: Village of Tequesta financial records. -58- VILLAGE OF TEQUESTA, FLORIDA GENERAL REVENUES BY SOURCE (UNAUDITED) (1) LAST TEN FISCAL YEARS Licenses Charges Fines Fiscal and Inter- for and Miscellaneous Year Taxes Permits 3 governmental Services Forfeitures M Totals 1993 $2,666,148 $ 188,477 $ 531,696 $ 21,304 $ 46,037 $ 202,040 $3,655,702 1994 2,833,720 198,000 423,606 189,691 48,885 223,494 3,917,396 1995 2,985,573 292,272 898,701 241,848 43,555 308,037 4,769,986 1996 3,184,007 246,450 950,477 213,283 78,578 279,658 4,952,453 1997 3,279,491 91,570 471,023 291,711 63,343 298,757 4,495,895 1998 3,542,883 89,203 485,648 273,779 74,641 292,526 4,758,680 1999 3,784,810 104,428 532,558 300,073 71,780 449,542 5,243,191 2000 3,962,782 96,975 644,679 264,018 46,465 516,999 5,531,918 2001 4,102,022 83,702 573,933 302,072 48,501 496,943 5,607,173 2002 4,502,446 108,429 638,106 382,650 73,758 645,105 6,350,494 (1) Includes General, Special Revenue, Debt Service, Capital Projects and Expendable Trust Funds. (2) Includes intragovemment services, impact fees and interest income. (3) Beginning 1997, building permits reported in the Community Development Enterprise Fund. Occupational licenses are included in this report. Source: Village of Tequesta financial records. -59- VILLAGE OF TEQUESTA, FLORIDA PROPERTY TAX LEVIES AND COLLECTIONS (1) LAST TEN FISCAL YEARS Total Current Delinquent Tax Tax Percent Outstanding Taxes Fiscal Levy Collections of Levy Delinquent to Tax Year (11) (11) Collected Taxes L Ey 1993 $1,973,375 $1,958,191 99.2% $ 15,184 0.8% 1994 1,968,572 1,950,778 99.1% 17,794 0.9% 1995 2,048,066 2,028,987 99.1% 19,079 0.9% 1996 2,166,385 2,158,420 99.6% 7,965 0.4% 1997 2,270,529 2,263,146 99.7% 7,383 0.3% 1998 2,457,085 2,450,091 99.7% 6,994 0.3% 1999 2,653,474 2,642,313 99.5% 11,161 0.4% 2000 2,858,426 2,846,894 99.6% 11,532 0.4% 2001 2,985,994 2,970,942 99.5% 15,052 0.5% 2002 3,271,160 3,147,730 96.2% 5,816 0.2% (1) Includes discounts taken by property taxpayers. Source: Palm Beach County Tax Collector's office. -60- VILLAGE OF TEQUESTA, FLORIDA TAXABLE VALUE AND JUST VALUE OF TAXABLE PROPERTY LAST TEN FISCAL YEARS Ratio of Taxable Centrally Value Real Property Personal Property Assessed Property Total to Fiscal Taxable Just Taxable Just Taxable Just Taxable Just Just Year Value Value Value Value Value Value Value Value Value 1993 $ 329,131,590 $ 406,420,054 $15,683,045 $16,779,738 $ - $ - $ 344,814,635 $ 423,199,792 81% 1994 326,699,785 406,281,260 16,461,659 17,709,182 - - 343,161,444 423,990,442 81% 1995 328,167,741 409,679,164 16,070,906 18,042,404 - - 344,238,647 427,721,568 80% 1996 337,376,976 424,956,672 16,264,236 18,268,307 - - 353,641,212 443,224,979 80% 1997 346,611,843 436,504,082 16,332,495 18,374,057 - - 362,944,338 454,878,139 80% 1998 366,649,040 454,995,565 17,405,293 19,996,199 - - 384,054,333 474,991,764 81% 1999 391,373,771 487,378,779 16,920,043 20,210,854 - - 408,293,814 507,589,633 80% 2000 422,707,903 522,797,351 18,949,389 21,865,379 278,827 278,827 441,936,119 544,941,557 81% 2001 468,569,608 601,222,227 18,641,610 21,621,054 279,734 279,734 487,490,952 623,123,015 78% 2002 503,562,346 672,688,887 19,211,494 22,202,297 287,762 287,762 523,061,602 695,178,946 75% Source: Palm Beach County Tax Collector's Office -61- VILLAGE OF TEQUESTA, FLORIDA PROPERTY TAX RATES - ALL DIRECT AND OVERLAPPING GOVERNMENTS (Per $1,000 of Assessed Valuation) LAST TEN FISCAL YEARS South Florida Florida County County Water Jupiter Navigational Children's Health Fiscal General County Everglades School County Management Inlet Inland Service Care Year Fund Coun Debt Construction Board Lib District District District Council District Total 1993 5.9000 4.6221 9.6030 0.3885 0.5470 0.1257 0.0520 0.3039 1.4750 23.0172 1994 5.9140 4.5499 10.0630 0.3915 0.5970 0.1257 0.0510 0.3297 1.4750 23.4968 1995 6.1280 4.5193 10.1850 0.4437 0.5970 0.1257 0.0490 0.3522 1.4500 23.8499 1996 6.3425 4.5191 9.7970 0.4838 0.5470 0.1240 0.0400 0.3730 1.4250 23.6514 1997 6.4693 4.8660 9.5570 0.4997 0.6970 0.1203 0.0500 0.4530 1.1600 23.8723 1998 6.6310 4.8666 0.2582 0.1000 9.5570 0.4977 0.6970 0.1203 0.0500 0.4530 1.1600 24.3908 1999 6.7305 4.8580 0.3456 0.1000 9.6820 0.5246 0.6970 0.1180 0.0470 0.4403 1.0500 24.5930 2000 6.7305 4.9362 0.3362 0.1000 8.9180 0.5403 0.6970 0.1091 0.0410 0.5000 1.0250 23.9333 2001 6.7305 4.9351 0.3851 0.1000 8.9480 0.5403 0.6970 0.1012 0.0385 0.5703 1.1500 24.1960 2002 6.7305 4.5000 0.3084 0.1000 8.7790 0.5403 0.5970 0.0916 0.0385 0.6228 1.1300 23.4381 Source: Palm Beach County Tax Collector's Office -62- VILLAGE OF TEQUESTA, FLORIDA RATIO OF NET GENERAL BONDED DEBT TO ASSESSED VALUE AND NET BONDED DEBT PER CAPITA LAST TEN FISCAL YEARS Ratio of Net (B) Bonded Net (A) Debt Debt Bonded Gross Service Net to Debt Fiscal Taxable Bonded Monies Bonded Assessed Per Year Po ulation Value Debt Available Debt Value Capita 1993 4,551 $ 344,814,635 $ 580,000 $ 120,530 $ 459,470 0.13% $ 100.96 1994 4,609 343,161,444 1,365,000 98,453 1,266,547 0.37% 274.80 1995 4,623 344,238,467 1,310,000 85,751 1,224,249 0.36% 264.82 1996 4,637 353,641,212 1,250,000 35,977 1,214,023 0.34% 261.81 1997 4,686 362,944,338 1,185,000 39,562 1,145,438 0.32% 244.44 1998 5,036 384,054,333 1,115,000 48,871 1,066,129 0.28% 211.70 1999 5,122 408,293,784 1,040,000 75,874 964,126 0.24% 188.23 2000 5,273 441,936,119 960,000 118,738 841,262 0.19% 159.54 2001 5,307 487,490,952 880,000 141,912 738,088 0.15% 139.08 2002 5,327 525,401,605 790,000 141,913 648,087 0.12% 121.66 Sources: Palm Beach County Planning Board University of Florida estimates Federal census Village of Tequesta Building Department records -63- VILLAGE OF T FQUESTA, FLORIDA COMPUTATION OF LEGAL DEBT MARGIN SEPTEMBER 30, 2002 Total assessed value $ 525,401,605 Legal debt margin: Debt limitation - 10% of total assessed value $ 52,540,161 Total bonded debt outstanding $ 790,000 Less amount available in debt service fund (b) 141,913 Total debt applicable to limitation 648,087 Legal debt margin $ 51,892,074 (8) Palm Beach County Property Appraiser's Office, Form DR -422 "Final Current Year Gross Taxable Value" (b) IBR - Special Revenue -64- VILLAGE OF TEQUESTA, FLORIDA COMPUTATION OF DIRECT AND OVERLAPPING DEBT SEPTEMBER 30, 2002 Percentage Amount Net Applicable Applicable Taxing Debt to to Authori Outstandine Tequesta Tequesta Direct: Village of Tequesta $ 648,087 100.00% $ 648,087 Overlapping: Palm Beach County 251,430,000 0.64% 1,609,152 Palm Beach County School Board 194,475,000 0.64% 1,244,640 Total overlapping 445,905,000 2,853,792 Total $ 446,553,087 $3 501,879 Source: Above Government Entities. -65- VILLAGE OF T'EQUESTA, FLORIDA RATIO OF ANNUAL DEBT SERVICE EXPENDITURES FOR GENERAL BONDED DEBT TO TOTAL GENERAL EXPENDITURES LAST TEN FISCAL YEARS Ratio of Debt Service to Total Total Total Fiscal Debt General General Year Principal Interest Service Expenditures Expenditures 1993 $ 35,000 $ 53,565 $ 88,565 $ 4,338,773 2.0% 1994 221,383 83,093 304,476 4 6.6% 1995 90,354 111,061 201,415 5,429,306 3.7% 1996 100,556 106,305 206,861 5,610,290 3.7% 1997 104,059 103,712 207,771 4,857,465 4.3% 1998 138,071 114,158 252,229 4,815,656 5.2% 1999 246,325 163,592 409,917 6,271,032 6.5% 2000 250,768 98,460 349,228 5,104,622 6.8% 2001 453,354 197,545 650,899 6,918,225 9.4% 2002 90,000 54,120 144,120 11,280,858 1.3 %. -66- VILLAGE OF TEQUESTA, FLORIDA REVENUE BOND COVERAGE WATER BONDS (UNAUDITED) LAST TEN FISCAL YEARS Net Revenue Available for Debt Service Debt Fiscal Gross Operating Debt Requirements Amortization Service Year Revenue Expenses Service Princ Interest Account (1) Total Coverage 1993 $ 2,566,614 $ 2,051,891 $ 514,723 $110,000 $ 78,737 $ 65,254 $253,991 2.06 1994 2,690,107 2,110,928 579,179 265,000 66,405 (15,653) 315,752 1.83 1995 2,948,260 2,414,540 533,720 290,000 43,280 (97,158) 236,122 2.26 1996 3,283,922 2,451,485 832,437 270,000 17,355 (7,525) 279,830 3.92 1997 (2) - - - - - - - - 1998 3,527,292 2,141,071 1,386,221 - 198,789 - 198,789 6.97 1999 3,910,167 2,179,525 1,730,642 - 389,740 - 389,740 4.44 2000 4,159,538 2,228,211 1,931,327 135,000 387,175 - 522,175 3.70 2001 4,077,925 2,351,739 1,726,186 140,000 384,610 - 524,610 3.29 2002 3,597,159 2,665,701 931,458 145,000 376,038 521,038 1.79 (1) This relates to a 1985 Water Refunding Revenue Bond issue that required the purchase of $980,000 par amount of U.S. Treasury Bonds. The purchase price of the bonds, less the interest earned, was added to the debt service for that year. The final principal payment on the 1985 bonds was made on September 30, 1996. (2) The village did not have any outstanding Revenues Bonds this fiscal year. -67- VILLAGE OF TEQUESTA, FLORIDA PROPERTY VALUE, CONSTRUCTION AND BANK DEPOSITS (UNAUDITED) LAST TEN FISCAL YEARS New Commercial New Residential Just Property Construction (1) Construction (1) Value 3 Number Number Fiscal of of Value (4), Real Personal Year Units Value Units New Rebuild Deposits (2) Property Property 1993 1 $ 101,700 8 $2,083,944 $ - $ 278,165,130 $ 406,420,054 $16,779,738 1994 - - 25 3,134,633 - 293,551,944 406,281,260 17,709,182 1995 - - 10 1,658,043 - 326,394,550 409,679,164 18,042,404. 1996 3 2,248,278 6 1,127,624 - 319,213,870 424,956,672 18,268,307, 1997 2 320,400 169 14,896,648 - 314,744,875 436,504,082 18,374,057. 1998 2 2,852,090 12 3,080,959 - - 454,995,565 19,996,199 1999 5 11,374,822 11 2,722,156 - - 487,378,779 20,210,854 2000 2 9,485,904 7 2,421,146 - - 522,793,351 21,865,379 2001 9 3,176,655 1 500,000 - - 601,222,227 21,621,054 2002 1 50,000 157 20,931,741 2,937,961 672,688,887 22,202,297 Source: (1) Village of Tequesta Building Department (2) Tequesta Commercial Banks and Savings and Loan Associations. (3) Palm Beach County Property Appraiser's Office. (4) Information presented where available. -69- VILLAGE OF T'EQUESTA, FLORIDA PRINCIPAL TAXPAYERS SEPTEMBER 30, 2002 Percentage Type 2001 of of Assessed Assessed Business Valuation Valuation Lighthouse Cove Apts Ltd. Apartment Building $13,850,954 2.65% Tamwest Realty, Inc.(County Line Plaza) Shopping Center 12,687,234 2.43 RRC FL Three, Inc. ( Tequesta Shoppes) Shopping Center 7,720,000 1.48 Terrace Communities Tequesta Assisted Living Facility 7,390,772 1.41 H & J Tequesta Assoc Shopping Center 5,450,000 1.04 AHC Purchaser, Inc Assisted Living Facility 4,428,161 0.85 ALS Holdings Inc Assisted Living Facility 4,094,311 0.78 Tequesta Country Club Golf Club 3,521,835 0.67 JMZ Tequesta Properties, Inc Office Building 2,428,148 0.46 Leslie J. Gelber Single Family 2,520,463 0.48 Lplace Properties Ltd Bank Building 1,697,382 0.32 $ 65,789,260 12.58 Source: Palm Beach County Property Appraiser's Office (1) Village of Tequesta, Community Development -69- VILLAGE OF T'EQUESTA, FLORIDA DEMOGRAPHIC AND MISCELLANEOUS STATISTICS SEPTEMBER 30, 2002 Date of Incorporation 1957 Forms of Government Council- Manager, 3 Councilmembers elected even years, 2 Councilmembers elected odd years Municipal Elections Non - Partisan Area Approximately 2 square miles Miles of Streets Approximately 46.6 lane miles Fire Protection Number of stations - 1 Number of certified firefighters - 16 F/T, 7 P/T Fire Rating - 4 Police Protection Number of stations - 1 Number of certified officers - 16 F/T, 1 P/T Number of dispatchers - 4 F/T, 2 P/T Municipal Water Department Number of customers - 5,055 Average daily consumption - 3.108 million gallons Miles of water mains - approximately 50 miles Sanitary Sewage Service provided by Loxahatchee River Environmental Control District (ENCON) Storm Sewers Adequate coverage Garbage Collection Service franchised to Nichol's Sanitation Frequency of service is bi- weekly Electric Service Florida Power & Light Company Telephone Service BellSouth Building; Permits Issues 970 Recreation and Culture Number of parks - 3, approximately 48 acres Number of libraries - 1, branch of Palm Beach County System Number of volumes - 20,000 - 22,000 MuniciRal Emj2lovee s 85 -70- VILLAGE OF TEQUESTA, FLORIDA DEMOGRAPHIC STATISTICS (UNAUDITED) LAST TEN FISCAL YEARS Education Level in Per Years of Capital Median Formal Unemployment Fiscal Population Income Age Schooling Rate Year ( (2) L21 M 1993 4,551 - - - 9.2 % 1994 4,609 - - - 8.4% 1995 4,623 - - - 7.0% 1996 4,637 - - - 7.5% 1997 4,686 - - - 3.6% 1998 5,036 - - - 4.7% 1999 5,122 - - - 5.7% 2000 5,273 - - - 5.2% 2001 5,307 - - - 5.5% 2002 5,327 - - - 5.1% Sources: (1) Palm Beach County Planning Board, University of Florida Estimates and Federal Census. (2) U.S. Department of Commerce, Bureau of the Census. Information provided when available. (3) Agency for Workforce Innovation (AWI). -71- VILLAGE OF TEQUESTA, F LORIDA SCHEDULE OF INSURANCE SEPTEMBER 30, 2002 Policy Number Covera¢e Coregis Commercial Package (Buildings, Contents /Special Property Coregis 651006854 $11,260,293 Group Life Insurance Canada Life 85597 1.5 times annual salary plus $5,000 maximum of $150,000 Croup Hospitalization Cigna 3150680 Various Business Automobile Liability Coregis 651006854 $2,000,000 Public Employees Blanket Fidelity Bond CCP0017500 $100,000 Public Official Bond Zurich 08538214 $100,000 Workmen' Compensation PGiT 139100 $1,000,000 Public Official's Errors and Omissions 362788300 $1,000,000 Police Professional Liability Coregis 651006854 $2,000,000 EMT Professional Liability Coregis 651006854 $2,000,000 Boiler and Machinery Liability FBPAT9442007 $5,000,000 Unlawful and Intentional Death (Police and Fire Department personnel) ETB102089 $75,000 Pollution Liability FPL7509020 $1,000,000 Fiduciary Liability (Pension Board of Trustees) Travelers 103505325 $2,000,000 Professional Liability Gresham EM50000232 $1,000,000 -72- 1 i 1 •" COMPLIANCE SECTION RC Rachlin Cohen & Holtz LLP Certified Public Accountants & ConSllltdnb, Report of Independent Certified Public Accountants on Compliance and on Internal Control Over Financial Reporting Based on an Audit of Financial Statements Performed in Accordance with Government Auditinz Standards Honorable Mayor, Village Commission and Village Manager Villagc of Tequesta, Florida We have audited the general purpose financial statements of the Village of Tequesta, Florida (the Village) as of September 30, 2002 and for the year then ended, and have issued our report dated January 17, 2003. We conducted our audit in accordance with generally accepted auditing standards and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States, Compliance As part of obtaining reasonable assurance about whether the Village's financial statements are free of material misstatement, we performed tests of its compliance with certain provisions of laws, regulations and contracts, noncompliance with which could have a direct and material effect on the determination of financial statement amounts. However, providing an opinion on compliance with those provisions was not an objective of our audit and, accordingly, we do not express such an opinion. The results of our tests disclosed no instances of noncompliance that are required to be reported under Government Auditing Standards. Internal Control Over F inancial Reporting In planning and performing our audit, we considered the Village's internal control over financial reporting in order to determine our auditing procedures for the purpose of expressing our opinion on the financial statements and not to provide assurance on the internal control over financial reporting. Our consideration of the internal control over financial reporting would not necessarily disclose all matters in the internal control over financial reporting that might be material weaknesses. A material weakness is a condition in which the design or operation of one or more of the internal control components does not reduce to a relatively low level the risk that misstatements in amounts that would be material in relation to the financial statements being audited may occur and not be detected within a timely period by employees in the normal course of performing their assigned functions. We noted no matters involving the internal control over financial reporting and its operation that we consider to be material weaknesses. -73- 450 East Las Olas Boulevard, Suite 950, Ft. Lauderdale, Florida 33301 • Tel 954l- 525 -1040 • Fax 954- 525 -20114 Offices in: Miami • Ft. Lauderdale • West Palm Beach o Stuart a "1w. rchcpa.com Mertdber of 5ununit Internatiwtat A.; xiate:. Inc With n9ium in phimpal 06 11 throughout the works WmM cif the ,Amrricm hts8tute of CerhfiLNi rubGc kcmintants and member of the I torida Inoinue of Certified Public 9 "untant., Honorable Mayor, Village Commission and Village Manager Village of Tequesta, Florida Page Two This report is intended for the information and use of the Mayor, Village Commission, management and the regulatory authorities and is not intended to be and should not be used by anyone other than the specified parties. However, this report is a matter of public record and its distribution is not limited. &ej� &4- - iE11 /- /-P Fort Lauderdale, Florida O January 17, 2003 -74- �C Rachlin Cohen & Holtz LLP Certified Public Accountants & Consultants Management Letter in Accordance with the Rules of the Auditor General of the State of Florida Honorable Mayor, Village Commission and Village Manager Village of Tequesta, Florida We have audited the general purpose financial statements of the Village ofTequesta, Florida (the Village) as of and for the year there ended, and have issued a report thereon dated January 17, 2003. We conducted our audit in accordance with generally accepted auditing standards and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States. We have issued our Report of Independent Certified Public Accountants on Compliance and on Internal Control over Financial Reporting. Disclosure in these reports dated January 17, 2003 should be considered in conjunction with this management letter. In connection with our audit of the general purpose financial statements of the Village for the year ended September 30, 2002, we report the following in accordance with Chapter 10.550 Rules of the Auditor General Local Governmental Entity Audits which requires that this report specifically address but not be limited to the matters outlined in Rule 10.554(1)(g): 1. No inaccuracies, shortages, defalcations, and /or violations of laws, rules, regulations and contractual provisions were reported in the preceding annual financial audit. 2. The Village, during fiscal year 2002, was not in a state of financial emergency as defined by Florida Statute, Section 218.503 (1). 3. Recommendations made in the preceding annual financial audit were addressed. There were no current year recommendations to improve the Village's present financial management, accounting procedures and internal controls. 4. The Village is in compliance with the investment policy of public funds established by Section 218.415 of the Florida statutes. 5. During the course of our audit, nothing came to our attention that caused us to believe that the Village: a. Was in violation of any laws, rules or regulations and contractual provisions. b. Made any illegal or improper expenditures. c. Had improper or inadequate accounting procedures. d. Failed to record financial transactions which could have a material effect on the Village's general purpose financial statements. e. Had other inaccuracies, shortages, defalcations and instances of fraud. -75- 450 East Las Olas Boulevard, Suite 950, Ft. Lauderdale, Florida 33301 • Tel 934- 525 -1040 @ Fax 954- 525 -2003 Offices in: Miami • Ft. Lauderdale • West Palm Beach • Stuart www.rchcpa.com __— Atem1vr ct Summit Intemahaial Awmatm Inc. with offict, in principal cities throui*hnut the work( A -tember of the .American Imtitute et CertitkA Pubs' Accountants and member of the Florida InAtute c>f Certified Public Accountants RCS Honorable Mayor, Village Commission and Village Manager Village ofTeyuesta, Florida Page Two 6. The annual financial report for the year ended September 30, 2002 has been filed with the Department of Banking and Finance pursuant to Section 218.32(1)(a), Florida Statutes and is in agreement with the audited financial statements of the same period. 7. The Village was incorporated by Laws of Florida 57 -1915. There are no component units. 8. During the course of our audit, we applied financial condition assessment procedures pursuant to Rule 10.566(8). It is management's responsibility to monitor the Village's financial condition, and our financial assessment, which was performed as of the Village's fiscal year end, was based on representations made by management and the review of financial information provided by the Village. There were no findings regarding deteriorating financial conditions. This report is intended for the information of the Mayor, Village Commission, management, and the Auditor General of the State of Florida and is not intended to be and should not be used by anyone other than those specified parties. However, this report is a matter of public record and its distribution is not limited. Fort Lauderdale, Florida January 17, 2003 -76-