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HomeMy WebLinkAboutItem No. 3AGENDA COVER SHEET MEETING OF 6ri f 3 City Council F—] Redevelopment Agency a Other DEPARTMENT: A A tM IY1 CONSENT: APPEAL _ E-1 BUSINESS: s E RESOLUTION: � ORDINANCES � PUBLIC HEARING ATTACHMENTS: Report emailed to Clerk .......................................... ............................... FOLLOW UP DIRECTION: ............................... ............................... a.......... Submitted by: Approved by: Department Hi Finance Direct City Manager: Date: 02 %ZOO Date: /;7- 2C�fJ Date: Date: C9 CITY OF ^ LADE L LSIIYORT l ` DREAM EXTREME- REPORT TO CITY COUNCIL TO: HONORABLE MAYOR AND MEMBERS OF THE CITY COUNCIL FROM: GRANT YATES CITY MANAGER DATE: APRIL 9, 2013 SUBJECT: ANNUAL FINANCIAL REPORTS FOR THE FISCAL YEAR ENDING JUNE 30, 2012 Recommendations It is recommended that City Council receive and file these reports Background The City's auditors completed their audit field work on March 27, 2013 for the fiscal year ending June 30, 2012. This is the eighth year that the auditors, White Nelson Diehl Evans LLP have performed the audit services for the City. The audit reports include the City and its component units as well as the Single Audit of Federally Assisted Grant Programs. The Lake Elsinore Redevelopment Agency financial statements are for the seven months ended January 31, 2012. The Agency was dissolved on February 1, 2012 in accordance with California law. The following annual reports are being presented for the fiscal year ending June 30, 2012, with the exception of the Lake Elsinore Redevelopment Agency, which is for the seven months ending January 31, 2012: • City of Lake Elsinore Comprehensive Annual Financial Report (CAFR) • Lake Elsinore Public Financing Authority Component Unit Financial Statements • Lake Elsinore Recreation Authority Component Unit Financial Statements • Lake Elsinore Redevelopment Agency Component Unit Financial Statements • City of Lake Elsinore Single Audit of Federally Assisted Grant Programs • Appropriations Limit Worksheet No. 6 with Independent Accountant's Report on Agreed -upon Procedures Applied to Appropriations Limit Worksheets AGENDA I "PEM NO. 3 Page 1 of 190 Annual Financial Reports April 9, 2013 Page 2 • Audit Communication Letter Report on Internal Controls (Management Letter) The above reports are bound or included as separate letters and have been included with this agenda separately. Discussion Comprehensive Annual Financial Report (CAFR) The "Management's Discussion and Analysis" section on pages 3 to 14 of the Comprehensive Annual Financial Report provides a narrative overview and analysis of the financial activities of the all the entities and funds of the City of Lake Elsinore combined for the fiscal year ended June 30, 2012. Single Audit of Federally Assisted Grant Programs The auditors performed a Single Audit in accordance with Government Auditing Standards and OMB Circular A -133 related to internal control and compliance. Issues noted and the related response of staff are included in the report. Appropriations Limit Worksheet No. 6 With Independent Accountant's Report on Agreed -upon Procedures Applied to Appropriations Limit Worksheet The auditors performed agreed -upon procedures to ensure that the City's appropriation limit calculations were correctly calculated and adopted in accordance with Article XIIIB of the California Constitution and adopted by City Council. No exceptions were noted. Audit Communication Letter No significant exceptions were noted. Report on Internal Controls (Management Letter) During the audit, the auditors noted certain matters involving the internal control structure and its operation that are typically communicated in a "management letter'. Items noted and the related response of staff is included in the letter. Fiscal Impact There is no fiscal impact. Prepared by: James R. Riley Director of Admi i trative Services Approved by: Grant Yates City Manager Page 2 of 190 Annual Financial Reports April 9, 2013 Page 3 Attachments: City of Lake Elsinore Comprehensive Annual Financial Report (CAFR) Lake Elsinore Public Financing Authority Component Unit Financial Statements Lake Elsinore Recreation Authority Component Unit Financial Statements Lake Elsinore Redevelopment Agency Component Unit Financial Statements City of Lake Elsinore Single Audit of Federally Assisted Grant Programs Appropriations Limit Worksheet No. 6 with Independent Accountant's Report on Agreed - upon Procedures Applied to Appropriations Limit Worksheets Audit Communication Letter Report on Internal Controls (Management Letter) Page 3 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY COMPONENT UNIT FINANCIAL STATEMENTS WITH REPORT ON AUDIT BYINDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS JUNE 30, 2012 Page 5 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY TABLE OF CONTENTS June 30, 2012 Independent Auditors' Report Basic Financial Statements: Statement of Net Assets Statement of Activities Balance Sheet - Governmental Funds Reconciliation of the Governmental Funds Balance Sheet to the Statement of Net Assets Statement of Revenues, Expenditures and Changes in Fund Balances - Governmental Funds Reconciliation of the Governmental Funds Statement of Revenues, Expenditures and Changes in Fund Balances to the Statement of Activities Notes to Basic Financial Statements Supplementary Information: Other Governmental Funds: Combining Balance Sheet Combining Statement of Revenues, Expenditures and Changes in Fund Balances Page Number 1 -2 3 4 5 6 -7 9 10 - 11 12 13 -44 45 46-47 48-49 Page 7 of 190 INDEPENDENT AUDITORS' REPORT The Board of Directors Lake Elsinore Public Financing Authority Lake Elsinore, California We have audited the accompanying financial statements of the governmental activities, each major fund, and the aggregate remaining fund information of the Lake Elsinore Public Financing Authority (the Authority), (a component unit of the City of Lake Elsinore, California), as of and for the year ended June 30, 2012, which collectively comprise the Authority's basic financial statements, as listed in the table of contents. These financial statements are the responsibility of the Authority's management. Our responsibility is to express opinions on these financial statements based on our audit. We conducted our audit in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the basic financial statements are free of material misstatement. An audit includes consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Authority's internal control over financial reporting. Accordingly, we express no such opinion. An audit also includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, 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 provides a reasonable basis for our opinions. As described more fully in Note IA, the basic component unit financial statements present only the Authority and are not intended to present fairly the financial position and results of operations of the City of Lake Elsinore, California in conformity with accounting principles generally accepted in the United States of America. In our opinion, the financial statements referred to above present fairly, in all material respects, the respective financial position of the governmental activities, each major fund, and the aggregate remaining fund information of the Authority as of June 30, 2012, and the respective changes in financial position thereof for the year then ended in conformity with accounting principles generally accepted in the United States of America. -1- 2875 Michelle Drive, Suite 300, Irvine, CA 92606 • Tel: 714.978.1300 • Fax: 714.978.7893 Offlas located in Omirge and San Dieu Counties Page 9 of 190 Management has not presented the management's discussion and analysis that accounting principles generally accepted in the United States of America require to be presented to supplement the basic financial statements. Such missing information, although not a part of the basic financial statements, is required by the Governmental Accounting Standards Board, who considers it to be an essential part of financial reporting for placing the basic financial statements in an appropriate operational, economic, or historical context. Our opinion on the basic financial statements is not affected by this missing information. Our audit was made for the purpose of forming opinions on the financial statements that collectively comprise the Lake Elsinore Public Financing Authority's basic financial statements. The combining schedules, identified as supplementary information in the table of contents, are presented for purposes of additional analysis and are not a required part of the basic financial statements of the Authority. Such information is the responsibility of management and was derived from and relates directly to the underlying accounting and other records used to prepare the financial statements. The information has been subjected to the auditing procedures applied in the audit of the basic financial statements and certain additional procedures, including comparing and reconciling such information directly to the underlying accounting and other records used to prepare the basic financial statements or to the financial statements themselves, and other additional procedures in accordance with auditing standards generally accepted in the United States of America. In our opinion, the information is fairly stated in all material respects in relation to the basic financial statements taken as a whole. Irvine, California March 27, 2013 -2- Page 10 of 190 BASIC FINANCIAL STATEMENTS 3- Page 11 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY STATEMENT OF NET ASSETS June 30, 2012 TOTAL ASSETS 133,556,271 LIABILITIES: Interest payable 1,905,608 Noncurrent liabilities (Note 4): Due within one year 5,320,000 Due in more than one year 115,032,362 TOTAL LIABILITIES 122,257,970 NET ASSETS: Restricted for: Debt service 11,298301 TOTAL NETASSETS $ 11,298,301 See independent auditors' report and notes to basic financial statements. 4- Page 12 of 190 Governmental Activities ASSETS: Cash and investments (Note 2) $ 511,944 Interest receivable 1,167,899 Due from City ol'Lake Elsinore 3,105,784 Loans receivable from Successor Agency (Note 3) 58,580,000 Interest receivable from Successor Agency 811,968 Unamortized bond issuance costs 3,229,281 Restricted assets (Note 2): Cash and investments with fiscal agents 66,149,395 TOTAL ASSETS 133,556,271 LIABILITIES: Interest payable 1,905,608 Noncurrent liabilities (Note 4): Due within one year 5,320,000 Due in more than one year 115,032,362 TOTAL LIABILITIES 122,257,970 NET ASSETS: Restricted for: Debt service 11,298301 TOTAL NETASSETS $ 11,298,301 See independent auditors' report and notes to basic financial statements. 4- Page 12 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY STATEMENT OF ACTIVITIES For the year ended June 30, 2012 Total governmental activities $ 6372,471 General revenues: Investment income Other revenues Total general revenues Change in net assets NET ASSETS - BEGINNING OF YEAR NET ASSETS - END OF YEAR See independent auditors' report and notes to basic financial statements. - 5 - 6,244,625 425,465 6,670,090 297,619 11,000,682 $ 11,298301 Page 13 of 190 Net (Expense) Revenue and Changesin Program Revenues Net Assets Charges Operating Capital for Grants and Grants and Governmental Functions /programs Expenses Services Contributions Contributions Activities Governmental activities: General govemment $ 168,296 $ - $ - $ - $ (168,296) Interest on long -term debt 6,204,175 - - - (6,204,175) Total governmental activities $ 6372,471 General revenues: Investment income Other revenues Total general revenues Change in net assets NET ASSETS - BEGINNING OF YEAR NET ASSETS - END OF YEAR See independent auditors' report and notes to basic financial statements. - 5 - 6,244,625 425,465 6,670,090 297,619 11,000,682 $ 11,298301 Page 13 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY BALANCE SHEET GOVERNMENTALFUNDS June 30, 2012 Loans receivable from Successor Agency (Note 3) TOTAL ASSETS $ 31,496,865 $ 19,688,491 FUND BALANCES FUND BALANCES: Nonspendable: Loans receivable from Successor Agency Restricted for: Debt service TOTAL FUND BALANCES See independent auditors' report and notes to basic financial statements. -6- 31,496,865 19,688,491 $ 31,496,865 $ 19,688,491 Page 14 of 190 Debt Service Funds 2003 2008 Series H Series A Bonds Bonds ASSETS Cash and investments (Note 2) $ 497,945 $ 3,562 Cash and investments with fiscal agents (Note 2) 28,063,507 19,514,468 Interest receivable 286 - Due from City of Lake Elsinore 2,935,127 170,461 Loans receivable from Successor Agency (Note 3) TOTAL ASSETS $ 31,496,865 $ 19,688,491 FUND BALANCES FUND BALANCES: Nonspendable: Loans receivable from Successor Agency Restricted for: Debt service TOTAL FUND BALANCES See independent auditors' report and notes to basic financial statements. -6- 31,496,865 19,688,491 $ 31,496,865 $ 19,688,491 Page 14 of 190 Debt Service Funds (Continued) 2010 2010 Series A Series C Rnn(I, Rnn.ie Id din Ann 7R 75?G nnn Other Total Governmental Governmental Funds Funds $ 10,437 $ 511,944 18,571,420 66,149,395 4 290 196 3,105,784 15345,000 58,580,000 $ 14,450,000 $ 28,785,000 $ 33,927,057 $ 128,347,413 $ 14,450,000 $ 28,785,000 $ 15,345,000 $ 58,580,000 18,582,057 69,767,413 $ 14,450,000 $ 28,785,000 $ 33.927,057 $ 128,347,413 'rE Page 15 of 190 THIS PAGE INTENTIONALLY LEFT BLANK rz Page 16 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY RECONCILIATION OF THE GOVERNMENTAL FUNDS BALANCE SHEET TO THE STATEMENT OF NET ASSETS June 30, 2012 Fund balances for governmental funds $ 128,347,413 Amounts reported for governmental activities in the Statement of Net Assets are different because: Long -term assets are not available to pay for current period expenditures and, therefore, are not reported in the fund financial statements Interest receivable from Successor Agency $ 811,968 Interest receivable on investments 1,167,609 Unamortized bond issuance costs 3,229,281 5,208,858 Long -term liabilities and related items are not due and payable in the current period and are not reported as fund liabilities. Interest on long -term liabilities is not accrued in governmental funds, but rather is recognized as an expenditure when due. All liabilities, both current and long -term, are reported in the Statement of Net Assets. Balances as of June 30, 2012 are: Interest payable (1,905,608) Deferred amount on refunding 238,015 Bond premium (175,377) Long -term liabilities (120,415,000) (122,257,970) Net assets of governmental activities $ 11,298,301 See independent auditors' report and notes to basic financial statements. -9- Page 17 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES GOVERNMENTALFUNDS For the year ended June 30, 2012 REVENUES: Investment income Other revenues TOTAL REVENUES EXPENDITURES: Current: Professional services Debt service: Bond issuance costs Principal retirement Interest and fiscal charges TOTAL EXPENDITURES EXCESS OF REVENUES OVER (UNDER) EXPENDITURES OTHER FINANCING SOURCES (USES): Transfers in Transfers out Local agency bonds issued Payment to refunding bond escrow agent Bond discounts Debt Service Funds 2003 2008 Series H Series A Bonds Bonds $ 1,948,732 $ 902,109 80,684 - 2,029,416 902,109 5,782 45 850,000 1,340,000 1,628,856 692,335 2,484,638 2,032,380 (455,222) (1330,271) TOTAL. OTHER FINANCING SOURCES (USES) - - CHANGES IN FUND BALANCES (455.222) (L130171) FUND BALANCES - BEGINNING OF YEAR 31,952,087 20,818,762 FUND BALANCES - END OF YEAR $ 31,496,865 $ 19,688,491 See independent auditors' report and notes to basic financial statements. -10- Page 18 of 190 Debt Service Funds (Continued) 2010 2010 Series A Series C Bonds Bonds Other Total Governmental Governmental Funds Funds $ 686,781 $ 1,083,714 $ 1,706,692 $ 6,328,028 - - 344,781 425,465 686,781 1,083,714 2,051,473 6,753,493 162,469 168,296 - - 238,290 238,290 305,000 650,000 800,000 3,945,000 686,781 1,083,714 1,762,131 5,853,817 991,781 1,733,714 2,962,890 10,205,403 (305,000) (650,000) (911,417) (3,451,910) - - 2.692 2,692 - - (1692) (2,692) - - 1,405,000 1,405,000 - - (11345,000) (1,345,000) - - (30,000) (30,000) - - 30,000 30,000 (305,000) (650,000) (881,417) (3,421,910) 14,755,000 29,435,000 34,808,474 131,769,323 $ 14,450,000 $ 28,785,000 $ 33,927,057 $ 128,347,413 Page 19 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY RECONCILIATION OF THE GOVERNMENTAL FUNDS STATEMENT OF REVENUES. EXPENDITURES AND CHANGES IN FUND BALANCES TO THE STATEMENT OF ACTIVITIES For the year ended June 30, 2012 Net change in fund balances - total governmental funds Amounts reported for governmental activities in the Statement of Activities are different because: The issuance of long term debt provides current financial resources to governmental funds, while the repayment of the principal of long term -debt consumes the current financial resources of governmental funds. Neither transaction, however, has any effect on net assets. These amounts are the net effect of these differences in the treatment of long -term debt. Debt issued or incurred: Refunding bonds issued $ (1,405,000) Payment to refunding bond escrow agent 1,345,000 Issuance costs 238,290 Principal payments 3,945,000 Governmental funds report bond issuance costs as an expense in the full amount as current financial resources are used. However, in the Statement of Activities the cost is amortized over the life of the debt. Amortization bond issuance costs (194,724) Amortization bond premium 21,922 Amortization of deferred amount on refunding (29,752) Some expenses reported in the Statement of Activities do not require the use of current financial resources and are not reported as governmental fund expenditures. Interest and fiscal charges Revenues in the Statement of Activities that do not provide current financial resources are not reported as revenues in the governmental funds. Investment income Change in net assets of governmental activities Sec independent auditors' report and notes to basic financial statements. -12- $ (3,421,910) 4,123,290 (202,554) (117,804) (83,403) $ 297,619 Page 20 of 190 NOTES TO BASIC FINANCIAL STATEMENTS -13- Page 21 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS June 30, 2012 1. REPORTING ENTITY AND SIGNIFICANT ACCOUNTING POLICIES: A. Description of the Reporting Entity: The Lake Elsinore Public Financing Authority (the Authority) is a joint exercise of powers between the City of Lake Elsinore (the City) and the Lake Elsinore Redevelopment Agency (the Agency), created by a joint powers agreement dated July 25, 1989. The Lake Elsinore Redevelopment Agency was dissolved effective February 1, 2012, but the Authority continues to function. The purpose of the Authority is to provide financing for public capital improvements for the City and the former Redevelopment Agency, the acquisition by the Authority of such public capital improvements and /or the purchase by the Authority of local obligations within the meaning of the Bond Law under the Marks -Roos Bond Pool Act of 1985. Under the Bond Law, the Authority has the power to issue special revenue bonds to pay the cost of any public capital improvement. The Authority office and records are located at City Hall at 130 South Main Street, Lake Elsinore, California. The Authority is a component unit of the City and, accordingly, the financial statements of the Authority are included in the financial statements of the City. The Authority is an integral part of the reporting entity of the City. The funds of the Authority have been blended within the financial statements of the City because the City Council of the City is the governing board of the Authority and exercises control over the operations of the Authority. Only the funds of the Authority are included herein, therefore, these financial statements do no purport to represent the financial position or results of operations of the City. B. Basis of Presentation: The accounting policies of the Authority conform to accounting principles generally accepted in the United States of America as they are applicable to governmental units. The Governmental Accounting Standard Board (GASB) is the accepted standard setting body for establishing governmental accounting and financial reporting principles. Government -Wide and Fund Financial Statements The government -wide financial statements (i.e., the Statement of Net Assets and the Statement of Activities) report information on all of the nonfiduciary activities of the primary government (the Authority). Governmental activities, which normally are supported by investment income and intergovernmental revenues, are reported separately from business -type activities, which rely to a significant extent on fees and charges for support. All Authority activities are governmental; no business -type activities are reported in the statements. See independent auditors' report. -14- Page 22 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2011 REPORTING ENTITY AND SIGNIFICANT ACCOUNTING POLICIES (CONTINUED): B. Basis of Presentation (Continued): Government -Wide and Fund Financial Statements (Continued) The Statement of Activities demonstrates the degree to which the direct expenses of a given function or segment are offset by program revenues. Direct expenses are expenses that are clearly identifiable with a specific program, project, function or segment. Program revenues of the Authority include: 1) charges to customers or applicants who purchase, use, or directly benefit from goods, services, or privileges provided by a given function or segment and 2) grants and contributions that are restricted to meeting the operational or capital requirements of a particular function or segment. Taxes and other items that are properly not included among program revenues are reported instead as general revenues. Separate fund financial statements are provided for governmental funds. Major individual governmental funds are reported as separate columns in the fund financial statements. All remaining governmental funds are aggregated and reported as other governmental funds. C. Measurement Focus, Basis of Accounting, and Financial Statement Presentation: The government -wide financial statements are reported using the economic resources measurement focus and the accrual basis of accounting. Under the economic resources measurement focus, all assets and liabilities (whether current or noncurrent) associated with their activity are included on their balance sheets. Operating statements present increases (revenues) and decreases (expenses) in total net assets. Under the accrual basis of accounting, revenues are recorded when earned and expenses are recorded when a liability is incurred, regardless of the timing of related cash flows. Governmental fund financial statements are reported using the current financial resources measurement focus and the modified accrual basis of accounting. Under the current financial resources measurement focus, only current assets and current liabilities are generally included on their balance sheets. The reported fund balance (net current assets) is considered to be a measure of "available spendable resources ". Governmental fund operating statements present increases (revenues and other financing sources) and decreases (expenditures and other financing uses) in net current assets. Accordingly, they are said to present a summary of sources and uses of "available spendable resources" during a period. Noncurrent portions of long -term receivables due to governmental funds are reported on their balance sheets in spite of their spending measurement focus. Noncurrent portions of other long -term receivables are offset by reporting the fund balance as nonspendable. See independent auditors' report. -15- Page 23 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 1. REPORTING ENTITY AND SIGNIFICANT ACCOUNTING POLICIES (CONTINUED): C. Measurement Focus, Basis of Accounting, and Financial Statement Presentation (Continued): Under the modified accrual basis of accounting, revenues are considered to be available when they are collectible within the current period or soon enough thereafter to pay liabilities of the current period. For this purpose, the government considers revenues to be available if they are collected within 60 days of the end of the current fiscal period. Expenditures generally are recorded when a liability is incurred, except for principal and interest on general long -term liabilities which are recognized as expenditures to the extent they have matured. Proceeds of general long -term liabilities are reported as other financing sources. Interest associated with the current fiscal period is considered to be susceptible to accrual and so it has been recognized as revenues of the current fiscal period. The Authority reports the following major governmental funds: The following Debt Service Funds are used to account for the accumulation of resources for, and the repayment of, long -term debt principal, interest and related costs: 2003 Series H Bonds 2008 Series A Bonds 2010 Series A Bonds 2010 Series C Bonds As a general rule, the effect of interfund activity has been eliminated from the government -wide financial statements. Direct expenses have not been eliminated from the functional categories; indirect expenses and internal payments have been eliminated. When both restricted and unrestricted resources are available for use, it is the Authority's policy to use restricted resources first, and then unrestricted resources as they are needed. D. Investments: Investments are reported at fair value, except for the investment in local obligations, which are reported at cost, because the investments are not transferable and the fair values are not affected by changes in interest rates. Investment income includes interest earnings, changes in fair value, and any gains or losses related to the liquidation or sale of the investment. See independent auditors' report. -16- Page 24 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 1. REPORTING ENTITY AND SIGNIFICANT ACCOUNTING POLICIES (CONTINUED): E. Explanation of Differences between the Governmental Funds Balance Sheet and the Statement of Net Assets: The "total fund balances" of the Authority's governmental funds $128,347,413 differs from "net assets" of governmental activities $11,298,301 reported in the Statement of Net Assets. This difference primarily results from the long -term economic focus of the statement of net assets versus the current financial resources focus of the governmental fund balance sheets. Interest Receivable Interest applicable to investments and loans receivable is not collected or earned in the current period and accordingly is not reported as fund assets. All assets are reported in the Statement of Net Assets. Interest receivable from Successor Agency $ 811,968 Interest receivable on investments 1,167,609 $ 1.979.577 Bond Issuance Costs Bond issuance costs are due and payable in the current period and accordingly reported as an expenditure for the full amount when paid in the governmental funds. However, the Statement of Net Assets reports an asset for the unamortized portion of these costs over the life of the bond. Unamortized bond issuance costs Long -Term Liabilities $ 3.229.281 Long -term liabilities and related items such as bond premiums, deferred amounts on refunding and interest payable on these liabilities applicable to the Authority's governmental activities are not due and payable in the current period and accordingly are not reported as fund liabilities. All liabilities and related items (both Curent and long -term) are reported in the Statement of Net Assets. Balances at the end of this fiscal year were: Interest payable Deferred amount on refunding Bond premium Long -term liabilities Long-term liabilities See independent auditors' report. -17- $ (1,905,608) 238,015 (175,377) (120,415,000) $ (122.257.970) Page 25 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 1. REPORTING ENTITY AND SIGNIFICANT ACCOUNTING POLICIES (CONTINUED): F. Explanation of Differences between the Governmental Funds Statement of Revenues, Expenditures and Changes in Fund Balances and the Statement of Activities: The "net change in fund balances" of the Authority's governmental funds $(3,421,910) differs from the "change in net assets" for governmental activities $297,619 reported in the Statement of Activities. The differences arise primarily from the long -term economic focus of the Statement of Activities versus the current financial resources focus of the governmental funds. The effect of the differences is illustrated below. Long -Term Debt Transactions Some revenues and expenses reported in the Statement of Revenues, Expenditures and Changes in Fund Balances are included as an addition or deletion of long -term liabilities in the Statement of Net Assets. Refunding bonds issued $ (1,405,000) Payment to refunding bond escrow agent 1,345,000 Issuance costs 238,290 Long -term debt principal payments 3.945,000 Total Long -term debt transactions $4.123.290 Bond Issuance Costs Bond issuance costs are reported in the Statement of Revenues, Expenditures and Changes in Fund Balances in the full amount as current financial resources are used. However, in the Statement of Activities the cost is amortized over the life of the bond. Amortization of bond issuance costs Bond Premium $ (194.724) Bond premiums are reported as revenues for the full amount when bonds are issued in the governmental funds. However, the Statement of Activities reports an increase in expense for the unamortized portion of these costs over the life of the bond. Amortization of bond premium $ 21 922 See independent auditors' report. lg� Page 26 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 1. REPORTING ENTITY AND SIGNIFICANT ACCOUNTING POLICIES (CONTINUED): F. Explanation of Differences between the Governmental Funds Statement of Revenues, Expenditures and Changes in Fund Balances and the Statement of Activities (Continued): Deferred Amount on Refunding In the governmental funds, proceeds from refunding bonds and related payment to refund bond escrow agent are reported in the full amount in the year of the refunding. For the Statement of Activities any gain or loss is deferred and amortized over the shorter period over which principal is to be paid on the refunded bonds or issued bonds. Amortization Interest on Long -Term Debt (29.752) Interest payable on long -term debt does not require the use of current financial resources and is not reported as governmental fund expenditures. However, these expenses are reported in the Statement of Activities. Interest and fiscal charges Interest on Loans and Investments (117.804) Interest on loans receivables from LERDA and investments are not collected or earned in the current period and accordingly is not reported as governmental fund revenues. However, these revenues are reported in the Statement of Activities. Investment income G. Fund Balance: (83.403) In the governmental fund financial statements, governmental fund types report nonspendable and restricted fund balance for amounts that are not available for appropriation or are legally restricted by outside parties for use for a specific propose. See independent auditors' report. -19- Page 27 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 1. REPORTING ENTITY AND SIGNIFICANT ACCOUNTING POLICIES (CONTINUED): H. Use of Estimates: The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenditures /expenses during the reporting period. Actual results could differ from those estimates. 2. CASH AND INVESTMENTS: Cash and Investments Cash and investments at June 30, 2012 are classified in the accompanying financial statements as follows: Cash and investments at June 30, 2012 consisted of the following: Deposits with financial institutions $ 185,428 Investments 66,475,911 Total Cash and Investments 66,661.339 See independent auditors' report. -20- Page 28 of 190 Government - Wide Statement of Net Assets Cash and investments $ 511,944 Restricted assets: Cash and investments with fiscal agents 66,149,395 Total Cash and Investments 66.661.339 Cash and investments at June 30, 2012 consisted of the following: Deposits with financial institutions $ 185,428 Investments 66,475,911 Total Cash and Investments 66,661.339 See independent auditors' report. -20- Page 28 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 2. CASH AND INVESTMENTS (CONTINUED): Investment Authorized by the California Government Code and the Authority's Investment Policy The table below identifies the investment types that are authorized for the Authority by the California Government Code (or the Authority's investment policy, where more restrictive). The table also identifies certain provisions of the California Government Code (or the Authority's investment policy, where more restrictive) that address interest rate risk, credit risk, and concentration of credit risk. This table does not address investments of debt proceeds held by bond trustee that are governed by the provisions of debt agreements of the Authority, rather than the general provisions of the California Government Code or the Authority's investment policy. Authorized Investment Type United States Treasury Obligations United States Government Sponsored Agency Securities State and Local Agency Obligations Banker's Acceptances Insured or Collateralized Time Certificate of Deposits Commercial Paper Negotiable Certificates of Deposit Repurchase Agreements Reverse Repurchase Agreements Medium -Term Corporate Notes Local Agency Investment Fund (LAIF) California Asset Management Program (CAMP) Money Market Fund N /A- Not Applicable Maximum Maturity 5 years 5 years 5 years 180 days Maximum Percentage of Portfolio* None None None 40% Maximum Investment in One Issuer None 40% None 10% 5 years None None 270 days 15% 10% 5 years 30% None 30 days None None 92 days 10% None 5 years 30% None N/A None $ 50,000,000 N/A None None 5 years 20% None * - Excluding amounts held by bond trustee that are not subject to California Government Code restrictions. See independent auditors' report. -21 - Page 29 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 2. CASH AND INVESTMENTS (CONTINUED): Investments Authorized by Debt Agreements Investment of debt proceeds held by bond trustee are governed by provisions of the debt agreements, rather than the general provisions of the California Government Code or the Authority's investment policy. Investments authorized for funds held by bond trustee include, United States Treasury Obligations, United States Government Sponsored Agency Securities, Guaranteed Investment Contracts, Commercial Paper, Local Agency Bonds, Banker's Acceptance and Money Market Mutual Funds. There were no limitations on the maximum amount can be invested in one issuer, maximum percentage allowed or the maximum maturity of an investment, except for the maturity of Banker's Acceptance which are limited to one year. Disclosures Relating to Interest Rate Risk Interest rate risk is the risk that changes in market interest rates will adversely affect the fair value of an investment. Generally, the longer the maturity of an investment, the greater the sensitivity of its fair value to changes in market interest rates. One of the ways that the Authority manages its exposure to interest rate risk is by pm-chasing a combination of shorter term and longer term investments and by timing cash flows from maturities so that a portion of the portfolio is maturing or coming close to maturity evenly over time as necessary to provide the cash flow and liquidity needed for operations. Information about the sensitivity of the fair values of the Authority's investments (including investments held by bond trustee) to market interest rate fluctuations is provided by the following table that shows the distribution of the Authority's investments by maturity: Investment Type LAIF Local Obligation Bonds Money Market Mutual Funds See independent auditors' report. Remaining Maturity (in Months) 1 -24 25-60 More Than Months Months 60 Months Total $ 326,518 $ - $ - $ 326,518 5,618,806 11,669,253 40,937,401 58,225,460 7,923,933 7,923.933 $I 869 257 R 11,669,253 S=40 937 401 X66.475.911 -22- Page 30 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 2. CASH AND INVESTMENTS (CONTINUED): Disclosures Relating to Credit Risk Generally, credit risk is the risk that an issuer of an investment will not fulfill its obligation to the holder of the investment. This is measured by the assignment of a rating by a nationally recognized statistical rating organization. Presented below is the minimum rating required by (where applicable) the California Government Code, the Authority's investment policy, or debt agreements, and the actual rating, by Standard and Poor's, as of year end for each investment type: Investment Type LAIF Local Obligation Bonds Money Market Mutual Funds N/A - Not Applicable Concentration of Credit Risk Minimum Total as of Legal June 30, Rating 2011 N/A $ 326,518 N/A 58,225,460 A 7,921933 AAA Unrated $ - $ 326,51.8 - 58,225,460 7,923,933 $ 7.923,233 $19Z$ The investment policy of the Authority contains no limitations on the amount that can be invested in any one issuer beyond that stipulated by the California Government Code. Investments in any one issuer that represent 5% or more of total Authority's investments are as follows: Community Facilities District 88 -3 Bonds, 2008 Series A Subordinate Community Facilities District 88 -3 Bonds, 2008 Series A Community Facilities District 98 -1 Bonds Community Facilities District 2003 -2, 2010 Series A Lake Elsinore PEA (Summerly Project) Bonds, 2011 Series A See independent auditors' report. Reported Investment Type Amount Local Agency Bond $ 6,325,000 Local Agency Bond 18,600,000 Local Agency Bond 17,440,000 Local Agency Bond 7,340,000 Local Agency Bond 4,610,000 -23- Page 31 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 2. CASH AND INVESTMENTS (CONTINUED): Custodial Credit Risk Custodial credit risk for deposits is the risk that, in the event of the failure of a depository financial institution, a government will not be able to recover its deposits or will not be able to recover collateral securities that are in the possession of an outside party. The custodial credit risk for investments is the risk that, in the event of the failure of the counterparty (e.g., broker - dealer) to a transaction, a government will not be able to recover the value of its investment or collateral securities that are in the possession of another party. The California Government Code and the Authority's investment policy do not contain legal or policy requirements that would limit the exposure to custodial credit risk for deposits or investments, other than the following provision for deposits: The California Government Code requires that a financial institution secure deposits made by state or local governmental units by pledging securities in an undivided collateral pool held by a depository regulated under state law (unless so waived by the governmental unit). The market value of the pledged securities in the collateral pool must equal at least 110% of the total amount deposited by the public agencies. California law also allows financial institutions to secure the Authority's deposits by pledging first trust deed mortgage notes having a value of 150% of the secured public deposits. At June 30, 2012, the Authority's deposits (bank balances) were fully insured by the Federal Deposit Insurance Corporation. Investment in State Investment Pool The Authority is a voluntary participant in the Local Agency Investment Fund (LAIF) that is regulated by California Government Code Section 16429 under the oversight of the Treasurer of the State of California. The fair value of the Authority's investment in this pool is reported in the accompanying financial statements at amounts based upon the Authority's pro -rata share of the fair value provided by LAIF for the entire LAIF portfolio (in relation to the amortized cost of that portfolio). The balance available for withdrawal is based on the accounting records maintained by LAIF, which are recorded on an amortized cost basis. See independent auditors' report. -24- Page 32 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 3. LOANS RECEIVABLE: On June 29, 2011, the California Legislature passed Assembly Bill ABx 26 (Dissolution Act) which dissolved Redevelopment Agencies (RDA's). A lawsuit was filed petitioning the Court to overturn the Dissolution Act. On December 29, 2011, the California Supreme Court upheld the Dissolution Act and dissolved Redevelopment Agencies as of February 1, 2012. On June 27, 2012, the AB 1484 was passed by the California Legislature which made technical and substantive amendments to the Dissolution Act. Under the Dissolution Act, each California redevelopment agency (each "Dissolved RDA ") was dissolved, and the sponsoring community that formed the Dissolved RDA or a designated local authority became the "Successor Agency" to the Dissolved RDA effective as of February 1, 2012. Each Successor Agency is required to wind down the affairs of the Dissolved RDA. On January 24, 2012, the City elected to serve as the Successor Agency of the Redevelopment Agency of the City of Lake Elsinore. The Dissolution Act also created oversight boards which monitor the activities of the successor agencies. The roles of the successor agencies and oversight boards is to administer the wind down of each Dissolved RDA, including making payments due on enforceable obligations, disposing of the assets (other than housing assets) and remitting the unencumbered balances of the Dissolved RDAs to the County Auditor- Controller for distribution to the affected taxing entities. The Dissolution Act and AB 1484 also establish roles for the County Auditor - Controller, the California Department of Finance (the "DOF ") and the California State Controller's office in the dissolution process and the satisfaction of enforceable obligations of the Dissolved RDAs. The County Auditor - Controller is charged with establishing a Redevelopment Property Tax Trust Fund (the "RPTTF ") for each Successor Agency and depositing into the RPTTF for each six -month period the amount of property taxes that would have been redevelopment property tax increment had the Dissolved RDA not been dissolved. The deposit in the RPTTF fund is to be used to distribute to the Successor Agency funds required to pay the amounts due on the Successor Agency's enforceable obligations for the upcoming six -month period. The Successor Agency is required to prepare a recognized obligation payment schedule ( "ROPS ") approved by the oversight board setting forth the amounts due for each enforceable obligation during each six month period covered by the ROPS (January through June and July through December). The ROPS is submitted to the DOF for approval. Once approved by DOF, the County Auditor - Controller will make disbursements to the Successor Agency from the RPTTF fund based on the ROPS amount approved by the DOF. See independent auditors' report. -25 - Page 33 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 3. LOANS RECEIVABLE (CONTINUED): The Lake Elsinore Public Financing Authority ( "Authority ") entered into loan agreements with the former Redevelopment Agency of the City of Lake Elsinore ( "Agency ") whereby the Authority loaned the proceeds of the 2010 Series A, B and C Tax Allocation Revenue Bonds and the 2011 Series A 'Tax Allocation Bonds issued by the Authority to the Agency to retire debt and provide funds for certain public improvements in Agency project areas. As a result of the dissolution of the Agency, the obligation to pay the loans to the Authority was transferred to the Successor Agency to the Redevelopment Agency of the City of Lake Elsinore ( "Successor Agency "). The principal and interest are payable in installment payments payable not less than three days prior to the due date on the related bonds payable. These loans are recorded as a receivable in the Authority's Debt Service Fund on the Governmental Fund Balance Sheet. For the Government -Wide financial statements, the loan receivable is eliminated. The following table represents the balance of net proceeds loaned to the Successor Agency at June 30, 2012: Total $ 58.580.000 The loans have not been challenged as enforceable obligations of the Successor Agency by the California Department of Finance. The Authority expects repayment of these loans from property tax revenues allocated to the Successor Agency. See Note 20 for additional information related to the dissolution of the former Redevelopment Agency. See independent auditors' report. -26- Page 34 of 190 Loans Tax Allocation Receivable Revenue Bonds Balance 2010 Series A Issue $ 14,450,000 2010 Series B Issue 9,795,000 2010 Series C Issue 28,785,000 2011 Series A Issue 5,550,000 Total $ 58.580.000 The loans have not been challenged as enforceable obligations of the Successor Agency by the California Department of Finance. The Authority expects repayment of these loans from property tax revenues allocated to the Successor Agency. See Note 20 for additional information related to the dissolution of the former Redevelopment Agency. See independent auditors' report. -26- Page 34 of 190 LAKE ELSINORE_ PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 4. LONG -TERM LIABILITIES: See independent auditors' report. -27- Page 35 of 190 Date of Years of Rate of Amount Issue Maturity Interest Authorized Local Agency Revenue Bonds: 1996 . Series E 3/96 1997 -2026 5.25% -7.50% $ 1,750,000 1999 Series G 2/99 2000 -2015 5.00% -5.80% 4,035,000 2003 Series H 2/03 2003 -2033 2.75 % - 6.375% 31,570,000 2008 Series A 1/08 2008 -2020 3.5% -4.30% 22,295,000 2008 Series B 3/08 2008 -2038 4.5 %- 6.875% 3,265,000 2010 Series A 11 /10 2013 -2040 3.25% -6.25% 7,430,000 2011 Series A 6/11 2012 -2038 3.00 % - 6.125% 5,365,000 2011. Series 11/11 2012 -2026 1.75% -5.50% 1,405,000 Tax Allocation Revenue Bonds: 2010 Series A 2/10 2010 -2033 2.00 % - 5.25% 15,435,000 2010 Series B 5110 2010 -2025 2.00 % - 4.75% 10,855,000 2010 Series C 10 /10 2011 -2030 2.00 % - 5.00% 29,435,000 2011 Series 1 /11 2012 -2021 4.00 % -6.00% 5,550,000 See independent auditors' report. -27- Page 35 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 4. LONG -TERM LIABILITIES: The following is a summary of long -tern liability transactions for the year ended June 30, 2012: $ 124.229 532 $ 1.405.000 �(.;i,2$2. 174) $ 120 352 362 $ 5.320.000 See independent auditors' report. -28- Page 36 of 190 Outstanding Outstanding Due June 30, June 30, Within 2011 Additions Retirements 2012 One Year Local Agency Revenue Bonds: 1996 Series E $ 1,345,000 $ - $ (1,345,000) $ - $ - 1999 Series G 1,440,000 - (255,000) 1,185,000 275,000 2003 Series 14 27,290,000 - (850,000) 26,440,000 940,000 2008 Series A 18,085,000 - (1,340,000) 16,745,000 1,425,000 2008 Series B 3,265,000 - - 3,265,000 5,000 2010 Series A 7,430,000 - - 7,430,000 - 2011 Series A 5,365,000 - - 5,365,000 135,000 2011 Series B - 1,405,000 - 1,405,000 85,000 Tax Allocation Revenue Bonds: 2010 Series A 14,755,000 - (305,000) 14,450,000 310,000 2010 Series B 10,340,000 - (545,000) 9,795,000 560,000 2010 Series C 29,435,000 - (650,000) 28,785,000 1,140,000 2011 Series A 5,550,000 5,550,000 445,000 124,300,000 1,405,000 (5,290,000) 120,415,000 5,320,000 Add (less) deferred amounts: Bond premium 197,299 - (21,922) 175,377 - On refunding (267,767) - 29,752 (238,015) - $ 124.229 532 $ 1.405.000 �(.;i,2$2. 174) $ 120 352 362 $ 5.320.000 See independent auditors' report. -28- Page 36 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 4. LONG -TERM LIABILITIES (CONTINUED): A. Local Agency Revenue Bonds: In February 1990, the Authority was authorized to issue $500,000,000 in revenue bonds for the purpose of enabling the Authority to acquire certain qualified obligations (the Local Obligations) of the City or the Agency for whose benefit the program has been designed, or of any other local agencies in the State of California (the Local Agencies). The Bonds were issued to provide funds to finance the acquisition or construction of land, buildings, equipment and other capital improvements. The Bonds will constitute special obligations of the Authority and will be issued in Series from time to time pursuant to Supplemental Indentures. These bonds will be payable solely from the repayment by Local Agencies of their obligations and any available surplus revenues. 1996 Series E In March 1996, $1,750,000 principal amount of 1996 Local Agency Revenue Bonds, Series E, was issued in accordance with the indenture described above. The bonds are due in annual installments of $15,000 to $135,000 from October 1, 1997 through October 1, 2026; interest at 5.25% to 7.50 %. The bonds maturing on or before October 1, 2005, are not subject to optional redemption prior to maturity. The bonds maturing on or after October 1, 2006 are subject to redemption under certain circumstances, at the option of the Authority, from funds deposited in the Series E redemption account on or after October 1, 2005, at a specified redemption price together with accrued interest. The Series E Bonds are also subject to special mandatory redemption on various specified dates at specified redemption prices under certain circumstances, as provided in the Bond Indenture Agreement. The 1996 Series E 1996 Local Agency Revenue Bonds were refunded by the 2011 Series B Local Agency Revenue Bonds in October 2011. See independent auditors' report. -29- Page 37 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 4. LONG -TERM LIABILITIES (CONTINUED): A. Local Agency Revenue Bonds (Continued): 1999 Series G In February 1999, $4,035,000 principal amount of 1999 Local Agency Revenue Bonds, Series G, was issued in accordance with the indenture described above. The bonds are due in annual installments of $165,000 to $370,000 from September 2, 2000 through September 2, 2015; interest at 5.00% to 5.80 %. The bonds are subject to call and redemption prior to their stated maturity commencing September 2, 2008 at specified redemption prices. At June 30, 2012, the Authority has a cash reserve balance for debt service of $118,516, which is sufficient to cover the Bond Indenture Reserve Requirement of $118,500. Future debt requirements for the 1999 Series G Local Agency Revenue Bonds are as follows: Year Ending June 30, 2013 2014 2015 2016 Totals See independent auditors' report. Principal $ 275,000 285,000 305,000 320,000 Interest $ 60,755 44,515 27,405 9,280 $ 1.185,000 $ 141.955 -30- Total $ 335,755 329,515 332,405 329,280 $ 1.326.955 Page 38 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 4. LONG -TERM LIABILITIES (CONTINUED): A. Local Agency Revenue Bonds (Continued): 2003 Series H In February 2003, $31,570,000 principal amount of 2003 Local Agency Revenue Bonds, Series H, was issued in accordance with the indenture described above. The bonds are due in annual installments of $375,000 to $1,850,000 from October 1, 2003 through October 1, 2033; interest at 2.75% to 6.375 %. The bonds are subject to mandatory redemption, without premium, prior to their maturity dates commencing October 1, 2014 in the case of bonds maturing October 1, 2015, October 1, 2016 in the case of bonds maturing October 1, 2020, October 1, 2021 in the case of bonds maturing October 1, 2026, and October 1, 2027 in the case of bonds maturing October 1, 2033, from Sinking Account payments under the Indentures. The bonds are subject to optional redemption prior to maturity in a manner determined by the Authority on October 1, 2013, and on any date thereafter at a redemption price equal to the principal amount thereof, plus accrued interest to the date of redemption, plus a specified premium. At June 30, 2012, the Authority has a cash reserve balance for debt service of $2,636,785, which is sufficient to cover the Bond Indenture Reserve Requirement of $2,636,508. Future debt requirements for the 2003 Series H Local Agency Revenue Bonds are as follows: Year Ending June 30, 2013 2014 2015 2016 2017 2018-2022 2023-2027 2028-2032 2033-2034 Totals See independent auditors' report. Principal Interest $ 940,000 1,055,000 1,160,000 1,280,000 1,165,000 6,660,000 4,055,000 6,580,000 3,545,000 $ 26.440.000 -31 - $ 1,583,519 1,531,737 1,472,144 1,405,044 1,334,894 5,431,900 3,915,000 2,253,563 230,934 19.158.735 Total $ 2,523,519 2,586,737 2,632,144 2,685,044 2,499,894 12,091,900 7,970,000 8,833,563 3,775,934 &___45 .598.735 Page 39 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 4. LONG -TERM LIABILITIES (CONTINUED): A. Local Agency Revenue Bonds (Continued): 2008 Series A In January 2008, $22,295,000 principal amount of 2008 Local Agency Revenue Bonds, Series A, was issued in accordance with the indenture described above. The bonds are due in annual installments of $940,000 to $2,520,000 from September 1, 2008 through September 1, 2020; interest at 3.5% to 4.3 %. The bonds were issued to refund the 1997 Series F. Local Agency Revenue Bonds. The advance refunding resulted in an economic gain of $3,145,273 and a decrease in cash flows of $4,693,375. The proceeds from the 2008 Series A Bonds were used to fully redeem the 1997 Series F Bonds. The bonds are subject to call and redemption prior to their stated maturity commencing September 1, 2008 at specified redemption prices. At June 30, 2012, the Authority has a cash reserve balance for debt service of $1,114,940, which is sufficient to cover the Bond Indenture Reserve Requirement of $1,1 14,750. Future debt requirements for the 2008 Series A Local Agency Revenue Bonds are as follows: Year Ending June 30 2013 2014 2015 2016 2017 2018 -2021 Totals See independent auditors' report. Principal Interest $ 1,425,000 1,515,000 1,620,000 1,720,000 1,830,000 8,635,000 $ 643,948 588,710 526,010 459,210 388,210 731,215 $ 16.745.000 � 3.337.303 -32- Total $ 2,068,948 2,103,710 2,146,010 2,179,210 2,218,210 9,366,215 20.082,303 Page 40 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 4. LONG -TERM LIABILITIES (CONTINUED): A. Local Agency Revenue Bonds (Continued): 2008 Series B In March 2008, $3,265,000 principal amount of 2008 Local Agency Revenue Bonds, Series B, was issued in accordance with the indenture described above. The bonds are due in annual installments of $5,000 to $285,000 from September 1, 2008 through September 1, 2038; interest at 4.5% to 6.875 %. The bonds are subject to call and redemption prior to their stated maturity commencing September 1, 2008 at specified redemption prices. At June 30, 2012, the Authority has a cash reserve balance for debt service of $308,896, which is sufficient to cover the Bond Indenture Reserve Requirement of $308,844. Future debt requirements for the 2008 Series B Local Agency Revenue Bonds are as follows: Year Ending June 30, 2013 2014 2015 2016 2017 2018-2022 2023-2027 2028-2032 2033-2037 2038-2039 Totals See independent auditors' report. Principal Interest $ 5,000 10,000 15,000 20,000 30,000 245,000 490,000 795,000 1,100,000 555,000 $ 3.265.000 -33- $ 220,374 220,024 219,430 218,573 217,308 1,052,947 935,000 712,766 390,156 38,672 4.225,250 Total $ 225,374 230,024 234,430 238,573 247,308 1,297,947 1,425,000 1,507,766 1,490,156 593,672 $ 7.490.250 Page 41 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 4. LONG -TERM LIABILITIES (CONTINUED): A. Local Agency Revenue Bonds (Continued): 2010 Series A In November 2010, $7,430,000 principal amount of 2010 Local Agency Revenue Bonds, Series A, was issued in accordance with the indenture described above. The bonds are due in annual installments of $10,000 to $735,000 from September 1, 2013 through September 1, 2040; interest at 3.25% to 6.25 %. The bonds are subject to call and redemption prior to their stated maturity commencing September 1, 2013 at specified redemption prices. At June 30, 2012, the Authority has a cash reserve balance for debt service of $743,126, which is sufficient to cover the Bond Indenture Reserve Requirement of $743,000. Future debt requirements for the 2010 Series A Local Agency Revenue Bonds are as follows: Year Ending June 30, 2013 2014 2015 2016 2017 2018-2022 2023-2027 2028-2032 2033-2037 2038-2041 Totals See independent auditors' report. Principal Interest 10,000 20,000 25,000 40,000 380,000 780,000 1,365,000 2,210,000 2,600,000 $ 7.430.000 -34- $ 447,138 446,975 446,463 445,644 444,375 2,180,450 2,032,522 1,727,491 1,182,813 342,188 $ 9.696,059 Total $ 447,138 456,975 466,463 470,644 484,375 2,560,450 2,812,522 3,092,491 3,392,813 2,942,188 17.126.059 Page 42 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 4. LONG -TERM LIABILITIES (CONTINUED): A. Local Agency Revenue Bonds (Continued): 2011 Series A In June 2011, $5,365,000 principal amount of 2011 Local Agency Revenue Bonds, Series A, was issued in accordance with the indenture described above. The bonds are due in annual installments of $135,000 to $370,000 from September 1, 2012 through September 1, 2038; interest at 3.0% to 6.125 %. The bonds are subject to call and redemption on and after their stated maturity commencing September 1, 2016 at redemption price equal to principal amount. At June 30, 2012, the Authority has a cash reserve balance for debt service of $427,588, which is sufficient to cover the Bond Indenture Reserve Requirement of $427,175. Future debt requirements for the 2011 Series A Local Agency Revenue Bonds are as follows: Year Ending June 30, 2013 2014 2015 2016 2017 2018-2022 2023-2027 2028-2032 2033-2037 2038-2039 Totals See independent auditors' report. Principal Interest Total $ 135,000 140,000 145,000 145,000 155,000 865,000 1,100,000 1,470,000 995,000 215,000 5.365.000 -35- $ 285,925 281,800 277,525 273,175 268,288 1,234,969 972,663 596,463 169,209 13,322 4.373.339 $ 420,925 421,800 422,525 418,175 423,288 2,099,969 2,072,663 2,066,463 1,164,209 228,322 9.738.339 Page 43 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATLMENTS ( CONTINUED) June 30, 2012 4. LONG- TERMLIABILITIES (CONTINUED): A. Local Agency Revenue Bonds (Continued): 2011 Series B In October 2011, $1,405,000 principal amount of 2011 Local Agency Revenue Bonds, Series B, was issued in accordance with the indenture described above. The bonds are due in annual installments of $75,000 to $120,000 from October 1, 2012 through October 1, 2026; interest at 1.75% to 5.5 %. The bonds are subject to call and redemption on and after their stated maturity commencing October 1, 2022 at redemption price equal to principal amount. At June 30, 2012, the Authority has a cash reserve balance for debt service of $139,113, which is sufficient to cover the Bond Indenture Reserve Requirement of $139,111 Future debt requirements for the 2011 Series A Local Agency Revenue Bonds are as follows: Year Ending June 30, 2013 2014 2015 2016 2017 2018-2022 2023-2027 Totals See independent auditors' report. Principal Interest Total $ 85,000 75,000 80,000 75,000 80,000 460,000 550,000 $ 61,594 59,912 57,875 55,556 52,838 207,031 76,738 $ 146,594 134,912 137,875 130,556 132,838 667,031 626,738 $1 405 000 $ 571.544 �1 976 544 -36- Page 44 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 4. LONG-TERM LIABILITIES (CONTINUED): B. Tax Allocation Revenue Bonds: 2010 Series A In February 2010, $15,435,000 principal amount of Tax Allocation Revenue Bonds, Series A, was issued in accordance with the indenture described above. The term bonds are due in annual installments of $305,000 to $2,910,000 from September 1, 2010 through September 1, 2033; interest at 2.00% to 5.25 %. The bonds are subject to call and redemption prior to their stated maturity commencing September 1, 2024, at specified redemption prices. At June 30, 2012, the Successor Agency has a cash reserve balance for debt service of $1,472,165, which is sufficient to cover the Bond Indenture Reserve Requirement of $1,459,146. Future debt requirements for the 2010 Series A Tax Allocation Revenue Bonds are as follows: Year Ending June 30, 2013 2014 2015 2016 2017 2018-2022 2023-2027 2028-2032 2033 Totals See independent auditors' report. Principal $ 310,000 315,000 325,000 330,000 345,000 1,895,000 2,330,000 5,230,000 3,370,000 $ 14.450.000 -37- Interest $ 679,081 669,707 660,106 651,106 641,806 3,019,578 2,566,963 1,823,063 177,713 $ 10,889.123 Total $ 989,081 984,707 985,106 981,106 986,806 4,914,578 4,896,963 7,053,063 3,547,713 $ 25.339.123 Page 45 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 4. LONG -TERM LIABILITIES (CONTINUED): B. Tax Allocation Revenue Bonds (Continued): 2010 Series B In May 2010, $10,855,000 principal amount of Tax Allocation Revenue Bonds, Series B, was issued in accordance with the indenture described above. The term bonds are due in annual installments of $515,000 to $895,000 from September 1, 2010 through September 1, 2025; interest at 2.00% to 4.75 %. The bonds are subject to call and redemption prior to their stated maturity commencing September 1, 2019, at specified redemption prices. At June 30, 2012, the Successor Agency has a cash reserve balance for debt service of $939,698, which is sufficient to cover the Bond Indenture Reserve Requirement of $939,537. Future debt requirements for the 2010 Series B Tax Allocation Revenue Bonds are as follows: Year Ending June 30, 2013 2014 2015 2016 2017 2018-2022 2023-2027 Totals See independent auditors' report. Principal $ 560,000 575,000 590,000 610,000 630,000 3,475,000 3,355,000 -38- Interest $ 371,050 354,025 336,550 318,550 299,950 1,141,388 320,175 Total $ 931,050 929,025 926,550 928,550 929,950 4,616,388 3,675,175 $ 9.795,000 &____3 .141.688 $ 12.936.688 Page 46 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 4. LONG -TERM LIABILITIES (CONTINUED): B. Tax Allocation Revenue Bonds (Continued): 2010 Series C In October 2010, $29,435,000 principal amount of Tax Allocation Revenue Bonds, Series C, was issued in accordance with the indenture described above. The term bonds are due in annual installments of $650,000 to $2,115,000 from September 1, 2011 through September 1, 2030; interest at 2.00% to 5.00 %. The bonds are subject to call and redemption on or after their stated maturity commencing September 1, 2020, at redemption price equal to principal amount. At June 30, 2012, the Successor Agency has a cash reserve balance for debt service of $2,223,773, which is sufficient to cover the Bond Indenture Reserve Requirement of $2,222,395. Future debt requirements for the 2010 Series C Tax Allocation Revenue Bonds are as follows: Year Ending June 30, 2013 2014 2015 2016 2017 2018-2022 2023-2027 2028-2032 Totals See independent auditors' report. Principal $ 1,140,000 1,165,000 1,190,000 1,215,000 1,240,000 6,770,000 8,150,000 7,915,000 Interest $ 1,065,814 1,042,764 1,019,214 994,404 965,995 4,219,084 2,768,211 779,206 $ 28,785 000 $ 12.854.692 39- Total $ 2,205,814 2,207,764 2,209,214 2,209,404 2,205,995 10,989,084 10,918,211 8,694,206 $__ 41.639.692 Page 47 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 4. LONG -TERM LIABILITIES (CONTINUED): B. Tax Allocation Revenue Bonds (Continued): 2011 Series A In January 2011, $5,550,000 principal amount of Tax Allocation Revenue Bonds, Series A, was issued in accordance with the indenture described above. The term bonds are due in annual installments of $445,000 to $700,000 from September I, 2012 through September 1, 2021; interest at 4.00% to 6.00 %. The bonds are subject to call and redemption on and after their stated maturity commencing September 1, 2016, at redemption price equal to principal amount. At June 30, 2012, the Successor Agency has a cash reserve balance for debt service of $539,714, which is sufficient to cover the Bond Indenture Reserve Requirement of $539,623. Future debt requirements for the 2011 Series A Tax Allocation Revenue Bonds are as follows: Year Ending June 30, 2013 2014 2015 2016 2017 2018-2022 Totals See independent auditors' report. Principal $ 445,000 465,000 485,000 505,000 530,000 3,120,000 Interest $ 286,613 267,250 246,481 223,550 197,675 488,513 Total $ 731,613 732,250 731,481 728,550 727,675 3,608,513 5.550.000 $ 1.710.082 . 7 260.082 -40- Page 48 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 5. LIABILITY, PROPERTY AND PROTECTION: A. Description Self- Insurance Pool Pursuant to Joint Powers Agreement: To account for risks of loss and liability claims, the Authority participates in the City's liability, property and protection policy. The City is a member of the California Joint Powers Insurance Authority (Insurance Authority). The Insurance Authority is composed of 123 California public entities and is organized under a joint powers agreement pursuant to California Government Code §6500 et seq. The purpose of the Insurance Authority is to arrange and administer programs for the pooling of self - insured losses, to purchase excess insurance or reinsurance, and to arrange for group purchased insurance for property and other lines of coverage. The Insurance Authority's pool began covering claims of its members in 1978. Each member government has an elected official as its representative on the Board of Directors. The Board operates through a 9- member Executive Committee. B. Self- insurance Programs of the Insurance Authority: Each member pays an annual contribution (formerly called the primary deposit) to cover estimated tosses for the coverage period. This initial funding is paid at the beginning of the coverage period. After the close of the coverage period, outstanding claims are valued. A retrospective deposit computation is then conducted annually thereafter until all claims incurred during the coverage period are closed on a pool -wide basis. This subsequent cost re- allocation among members based on actual claim development can result in adjustments of either refunds or additional deposits required. The total funding requirement for self - insurance programs is estimated using actuarial models and pre - funded through the annual contribution. Costs are allocated to individual agencies based on exposure (payroll) and experience (claims) relative to other members of the risk - sharing pool. Additional information regarding the cost allocation methodology is provided below. See independent auditors' report. M Page 49 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 LIABILITY, PROPERTY AND PROTECTION (CONTINUED): B. Self- Insurance Programs of the Insurance Authority (Continued): General Liability Insurance - In the liability program claims are pooled separately between police and non - police exposures. (1) The payroll of each member is evaluated relative to the payroll of other members. A variable credibility factor is determined for each member, which establishes the weight applied to payroll and the weight applied to losses within the formula. (2) The first layer of losses includes incurred costs up to $30,000 for each occurrence and is evaluated as a percentage of the pool's total incurred costs within the first layer. (3) The second layer of losses includes incurred costs from $30,000 to $750,000 for each occurrence and is evaluated as a percentage of the pool's total incurred costs within the second layer. (4) Incurred costs in excess of $750,000 up to the reinsurance attachment point of $5 million are distributed based on the outcome of cost allocation within the first and second loss layers. (5) Costs of covered claims from $5 million to $10 million are paid under a reinsurance contract subject to a $2.5 million annual aggregate deductible. Costs of covered claims from $10 million to $15 million are paid under two reinsurance contracts subject to a combined $3 million annual aggregate deductible. On a cumulative basis for all 2011 -12 reinsurance contracts the annual aggregate deductible is $5.5 million. (6) Costs of covered claims from $15 million up to $50 million are covered through excess insurance policies. The overall coverage limit for each member including all layers of coverage is $50 million per occurrence. Costs of covered claims for subsidence losses are paid by reinsurance and excess insurance with a pooled sub -limit of $35 million per occurrence. This $35 million subsidence sub -limit is composed of (a) $5 million retained within the pool's SIR, (b) $10 million in reinsurance and (c) $20 million in excess insurance. The excess insurance layer has a $20 million annual aggregate. Workers' Compensation - In the workers' compensation program claims are pooled separately between public safety (police and fire) and non - public safety exposures. (1) The payroll of each member is evaluated relative to the payroll of other members. A variable credibility factor is determined for each member, which establishes the weight applied to payroll and the weight applied to losses within the formula. (2) The first layer of losses includes incurred costs up to $50,000 for each occurrence and is evaluated as a percentage of the pool's total incurred costs within the first layer. (3) The second layer of losses includes incurred costs from $50,000 to $100,000 for each occurrence and is evaluated as a percentage of the pool's total incurred costs within the second layer. (4) Incurred costs in excess of $100,000 up to the reinsurance attachment point of $2 million are distributed based on the outcome of cost allocation within the first and second loss layers. (5) Costs of covered claims from $2 million up to statutory limits are paid under a reinsurance policy. Protection is provided per statutory liability under California Workers' Compensation Law. See independent auditors' report. -42- Page 50 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 5. LIABILITY, PROPERTY AND PROTECTION (CONTINUED): B. Self - Insurance Programs of the Insurance Authority (Continued): Workers' Compensation (Continued) Employer's Liability losses are pooled among members to $2 million. Coverage from $2 million to $5 million is purchased as part of a reinsurance policy, and Employer's Liability losses from $5 million to $10 million are pooled among members. C. Purchased Insurance: Property Insurance - The City participates in the all -risk property protection program of the Insurance Authority. This insurance protection is underwritten by several insurance companies. The City's property is currently insured according to a schedule of covered property submitted by the City to the Insurance Authority. The City's property currently has all -risk property insurance protection in the amount of $37,073,451. There is a $5,000 deductible per occurrence except for non - emergency vehicle insurance which has a $1,000 deductible. Premiums for the coverage are paid annually and are not subject to retroactive adjustments. Crime Insurance - The City purchases crime insurance coverage in the amount of $1,000,000 with a $2,500 deductible. The fidelity coverage is provided through the Insurance Authority. Premiums are paid annually and are not subject to retroactive adjustments. D. Adequacy of Protection: During the past three fiscal years, none of the above programs of protection experienced settlements or judgments that exceeded pooled or insured coverage. There were also no significant reductions in pooled or insured liability coverage in 2011 -2012. 6. CONTINGENCIES: As of June 30, 2012, in the opinion of the Authority's management, there are no outstanding matters which would have a significant effect on the financial condition of the funds of the Authority. See independent auditors' report. -43- Page 51 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY NOTES TO BASIC FINANCIAL STATEMENTS (CONTINUED) June 30, 2012 7. SUBSEQUENT EVENTS: Events occurring after June 30, 2012, have been evaluated for possible adjustment to the financial statements or disclosure as of March 27, 2013, which is the date the financial statements were available to be issued. In December 2012, the Lake Elsinore Public Financing Authority issued $5,345,000 Local Agency Revenue Bonds to acquire local obligations to acquire the City of Lake Elsinore Community Facilities District No. 2003 -02 (Canyon Hills) Special Tax Bonds, 2012 Series to be issued by the City of Lake Elsinore Community Facilities District No. 2003 -2 for the benefit of Improvement Area C. The bonds bear interest at 2.0% to 4.75% with bonds maturing annually on September 1 annually through 2042. In November 2012, the Lake Elsinore Public Financing Authority issued $15,435,000 Local Agency Revenue Bonds to acquire local obligations to acquire the City of Lake Elsinore Assessment District 93 -1 (Assessment District 93 -1) Limited Obligation Refunding Improvement Bonds, 2012 Series A issued by the Assessment District 93 -1 to refund the 2000 Assessment District 93- 113onds outstanding in the amount of $16,650,000.. The bonds bear interest at 2.0% to 5.125% with bonds maturing annually on September 1 annually through 2030. In July 2012, the Lake Elsinore Public Financing Authority issued $3,450,000 Local Agency Revenue Bonds to acquire the City of Lake Elsinore Community Facilities District (Villages at Wasson Canyon) 2005 -5 (CFD 2005 -5) Special Tax Bonds, 2012 Series A issued by the CFD 2005 -5 to redeem the CFD 2005 -5 2008 Series B Bonds outstanding in the amount of $3,265,000. The bonds bear interest at 1.5% to 5.25% with bonds maturing annually on September 1 annually through 2038. See independent auditors' report. Page 52 of 190 SUPPLEMENTARY INFORMATION -45- Page 53 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY COMBINING BALANCE SHEET OTHER GOVERNMENTAL FUNDS June 30, 2012 ASSETS Cash and investments Cash and investments with fiscal agents Interest receivable Due tiom City ofLake Elsinore Loans receivable ti om Successor Agency TOTAL ASSETS FUND BALANCES FUND BALANCES: Nonspendable: Loans receivable ti-om Successor Agency Restricted for: Debt service TOTAL FUND BALANCES See independent auditors' report. Debt Service Funds 1995 1996 1997 1999 Series A Series E Series F Series C Bonds Bonds Bonds Bonds $ 4,128 $ - $ 19 $ 3,598 2 2 $ 4,130 $ - $ 19 $ 3,600 4,130 - 19 3,600 $ 4,130 $ - $ 19 $ 3,600 -46- Page 54 of 190 ued) Debt Service Funds 1999 2008 2010 2010 Series G Series B Series B Series A Bonds Bonds Bonds Bonds ued) Total 2011 2011 2011 Other Series A Series A Series B Governmental Bonds Bonds Bonds Funds $ - $ - $ - $ - $ - $ - $ 2,692 $ 10,437 1,896,725 3,138,684 - 7,237,790 - 5,065,117 1,233,104 18,571,420 4 196 - - - - - 196 - - 9,795,000 - 5,550,000 - - 15,345,000 1,896,725 $ 3,138,880 $ 9,795,000 $ 7,237,790 $ 5,550,000 $ 5,065,117 $ 1,235,796 $ 33,927,057 $ - $ - $ 9,795,000 $ - $ 5,550,000 $ - $ - $ 15,345,000 1,896.725 3,138,880 - 7,237,790 - 5,065,117 1,235,796 18582,057 $ 1,896,725 $ 3,138,880 $ 9,795,000 $ 7,237,790 $ 5,550,000 $ 5,065,117 $ 1,235,796 $ 33,927,057 47- Page 55 of 190 LAKE ELSINORE PUBLIC FINANCING AUTHORITY COMBINING STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES - OTHER GOVERNMENTAL FUNDS For the year ended June 30, 2012 REVENUES: Investment income Other revenues TOTAL REVENUES EXPENDITURES: Current: Professional services Debt service: Bond issuance costs Principal retirement Interest and fiscal charges TOTAL EXPENDITURES EXCESS OF REVENUES OVER (UNDER) EXPENDITURES OTHER FINANCING SOURCES (USES): Transfers in Transfers out Local agency bonds issued Payment to refunding bond escrow agent Bond discounts TOTAL OTHER FINANCING SOURCES (USES) CHANGES IN FUND BALANCES FUND BALANCES - BEGINNING OF YEAR FUND BALANCES - END OF YEAR Debt Service Funds 1995 1996 Series A Series E Bonds Bonds $ 10 $ 93,128 10 93,128 1997 1999 Series F Series C Bonds Bonds $ $ 9 9 109,376 - 109,376 10 (16,248) 9 (2,692) (1,345,000) (1,347,692) - - 10 (1,363,940) 9 4,120 1,363,940 19 3,591 $ 4,130 $ $ 19 $ 3,600 24 2 - 6 - 156,566 Debt Service Funds (Continued) 162,469 - Total 1999 2008 2010 2010 2011 2011 2011 Other Series G Series B Series B Series A Series A Series A Series B Governmental Bonds Bonds Bonds Bonds Bonds Bonds Bonds Funds $ 93,425 $ 239,157 $ 384,900 $ 261,195 $ 323,422 $ 299,963 $ 11,483 $ 1,706,692 56,133 45,049 - 223,312 - - 20,287 344,781 149,558 284,206 384,900 484,507 323,422 299,963 31,770 2,051,473 24 2 - 6 - 156,566 5,871 162,469 - - - - 90,018 148,272 238,290 255,000 - 545,000 - - - - 800,000 76,125 220,486 384,900 446,987 323,422 181,312 19,523 1,762,131 331,149 220,488 929,900 446,993 323,422 427,896 173,666 2,962,890 (181,591) 63,718 (545,000) 37,514 (127,933) (141,896) (911,417) - - 2,692 2,692 - (2,692) 1,405,000 1,405,000 (1,345,000) (30,000) (30,000) - - 1,377,692 30,000 (181,591) 63,718 (545,000) 37,514 - (127,933) 1,235,796 (881,417) 2,078,316 3,075,162 10,340,000 7,200,276 5,550,000 5,193,050 - 34,808,474 $ 1,896,725 $ 3,138,880 $ 9,795,000 $ 7,237,790 $ 5,550,000 $ 5,065,117 $ 1,235,796 $ 33,927,057 See independent auditors' report. y -48- -49-