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10.a 2021 Audited Financial Statements  City of Scandia,  Minnesota      Audited Financial Statements    December 31, 2021  CITY OF SCANDIA, MINNESOTA TABLE OF CONTENTS INTRODUCTORY SECTION: CITY COUNCIL AND OFFICIALS ................................................................................................................................ 2 FINANCIAL SECTION: INDEPENDENT AUDITOR’S REPORT ........................................................................................................................ 4 REQUIRED SUPPLEMENTARY INFORMATION: Management’s Discussion and Analysis ....................................................................................................................... 8 BASIC FINANCIAL STATEMENTS: Government-wide Financial Statements Statement of Net Position ..................................................................................................................................... 18 Statement of Activities ......................................................................................................................................... 19 Fund Financial Statements Balance Sheet – Governmental Funds .................................................................................................................. 20 Reconciliation of the Balance Sheet – Governmental Funds to the Statement of Net Position .................................................................................................................... 21 Statement of Revenues, Expenditures, and Changes in Fund Balances – Governmental Funds ................................................................................ 22 Reconciliation of Changes in Fund Balance of Governmental Funds to the Statement of Activities ...................................................................................... 23 Statement of Net Position – Proprietary Funds .................................................................................................... 24 Statement of Revenues, Expenses, and Changes in Net Position – Proprietary Funds ................................................................................................ 25 Statement of Cash Flows – Proprietary Funds ..................................................................................................... 26 Notes to the Basic Financial Statements ..................................................................................................................... 28 REQUIRED SUPPLEMENTARY INFORMATION: Budgetary Comparison Schedule – General Fund ....................................................................................................... 55 Schedule of City’s Proportionate Share of Net Pension Liability ............................................................................... 57 Schedule of City Pension Contributions ...................................................................................................................... 58 Schedule of Changes in Net Pension Liability (Asset) ................................................................................................ 59 Notes to the Required Supplementary Information ..................................................................................................... 60 SUPPLEMENTARY INFORMATION: Supplemental Combining Balance Sheet – Major Governmental Fund – Debt Service Fund .................................... 65 Supplemental Combining Schedule of Revenues, Expenditures, and Changes in Fund Balance – Major Governmental Fund – Debt Service Fund ..................................................... 66 Combining Balance Sheet – All Nonmajor Governmental Funds ............................................................................... 67 Combining Statement of Revenues, Expenditures, and Changes in Fund Balances – All Nonmajor Governmental Funds ....................................................................... 68 Schedule of Indebtedness ............................................................................................................................................ 69 OTHER REQUIRED REPORTS: Report on Internal Control Over Financial Reporting and on Compliance and Other Matters Based on an Audit of Financial Statements Performed in Accordance with Government Auditing Standards .......................................................................................................................... 71 Schedule of Findings and Responses ........................................................................................................................... 73 Corrective Action Plans ............................................................................................................................................... 75   1 INTRODUCTORY SECTION   2 CITY OF SCANDIA, MINNESOTA CITY COUNCIL AND OFFICIALS FOR THE YEAR ENDED DECEMBER 31, 2021 CITY COUNCIL Term Expires Christine Maefsky Mayor December 31, 2022 Heather Benson Council Member December 31, 2024 Jerry Cusick Council Member December 31, 2022 Steve Kronmiller Council Member December 31, 2024 Patti Ray Council Member December 31, 2022 CITY OFFICIALS Ken Cammilleri City Administrator Colleen Firkus Treasurer   3 FINANCIAL SECTION       An Independently Owned Member, RSM US Alliance   RSM US Alliance member firms are separate and independent businesses and legal entities that are responsible for their own acts and omissions, and each are separate and independent from RSM US LLP. RSM US LLP is the U.S. member firm of RSM International, a global network of independent audit, tax, and consulting firms. Members of RSM US Alliance have access to RSM International resources through RSM US LLP but are not member firms of RSM International.    St. Cloud 320.251.0286 Little Falls 320.632.6311 Albany 320.845.2940 Maple Lake 320.963.5414 Monticello 763.295.5070 www.schlennerwenner.cpa INDEPENDENT AUDITOR’S REPORT Honorable Mayor and City Council City of Scandia, Minnesota Report on the Audit of the Financial Statements Opinions We have audited the accompanying financial statements of the governmental activities, the business-type activities, each major fund, and the aggregate remaining fund information of the City of Scandia, Minnesota, as of and for the year ended December 31, 2021, and the related notes to the financial statements, which collectively comprise the City’s basic financial statements as listed in the table of contents. In our opinion, the financial statements referred to above present fairly, in all material respects, the respective financial position of the governmental activities, the business-type activities, each major fund, and the aggregate remaining fund information of the City of Scandia, Minnesota, as of December 31, 2021, and their respective changes in financial position and, where applicable, cash flows thereof for the year then ended in accordance with accounting principles generally accepted in the United States of America. Basis for Opinions We conducted our audit in accordance with auditing standards generally accepted in the United States of America (GAAS) and the standards applicable to financial audits contained in Government Auditing Standards (GAS), issued by the Comptroller General of the United States. Our responsibilities under those standards are further described in the “Auditor’s Responsibilities for the Audit of the Financial Statements” section of our report. We are required to be independent of the City and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements relating to our audit. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinions. Responsibilities of Management for the Financial Statements Management is responsible for the preparation and fair presentation of the financial statements in accordance with accounting principles generally accepted in the United States of America, and for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error. In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the City’s ability to continue as a going concern for twelve months beyond the financial statement date, including any currently known information that may raise substantial doubt shortly thereafter. 5 Auditor’s Responsibilities for the Audit of the Financial Statements Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinions. Reasonable assurance is a high level of assurance but is not absolute assurance and, therefore, is not a guarantee that an audit conducted in accordance with GAAS and Government Auditing Standards will always detect a material misstatement when it exists. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control. Misstatements are considered material if there is a substantial likelihood that, individually or in the aggregate, they would influence the judgment made by a reasonable user based on the financial statements. In performing an audit in accordance with GAAS and Government Auditing Standards, we:  Exercise professional judgment and maintain professional skepticism throughout the audit.  Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures responsive to those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements.  Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the City’s internal control. Accordingly, no such opinion is expressed.  Evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the overall presentation of the financial statements.  Conclude whether, in our judgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about the City’s ability to continue as a going concern for a reasonable period of time. We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit, significant audit findings, and certain internal control-related matters that we identified during the audit. Required Supplementary Information Accounting principles generally accepted in the United States of America require that the management’s discussion and analysis, budgetary comparison information, and pension schedules listed in the table of contents be presented to supplement the basic financial statements. Such information is the responsibility of management and, although not a part of the basic financial statements, is required by 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. We have applied certain limited procedures to the required supplementary information in accordance with auditing standards generally accepted in the United States of America, which consisted of inquiries of management about the methods of preparing the information and comparing the information for consistency with management’s responses to our inquiries, the basic financial statements, and other knowledge we obtained during our audit of the basic financial statements. We do not express an opinion or provide any assurance on the information because the limited procedures do not provide us with sufficient evidence to express an opinion or provide any assurance. 6 Supplementary Information Our audit was conducted for the purpose of forming opinions on the financial statements that collectively comprise the City of Scandia, Minnesota’s basic financial statements. The accompanying combining and individual nonmajor fund financial statements and schedules, and schedule of indebtedness, are presented for purposes of additional analysis and are not a required part of the basic financial statements. Such information is the responsibility of management and was derived from and relates directly to the underlying accounting and other records used to prepare the basic financial statements. The information has been subjected to the auditing procedures applied in the audit of the basic financial statements and certain additional procedures, including comparing and reconciling such information directly to the underlying accounting and other records used to prepare the 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 combining and individual nonmajor fund financial statements and supplemental schedules are fairly stated, in all material respects, in relation to the basic financial statements as a whole. The schedule of indebtedness has not been subjected to the auditing procedures applied in the audit of the basic financial statements, and accordingly, we do not express an opinion or provide any assurance on it. Other Information Management is responsible for the other information included in the annual report. The other information comprises the introductory section but does not include the basic financial statements and our auditor’s report thereon. Our opinions on the basic financial statements do not cover the other information, and we do not express an opinion or any form of assurance thereon. In connection with our audit of the basic financial statements, our responsibility is to read the other information and consider whether a material inconsistency exists between the other information and the basic financial statements, or the other information otherwise appears to be materially misstated. If, based on the work performed, we conclude that an uncorrected material misstatement of the other information exists, we are required to describe it in out report. Other Reporting Required by Government Auditing Standards In accordance with Government Auditing Standards, we have also issued our report dated May 31, 2022 on our consideration of the City of Scandia’s internal control over financial reporting and on our tests of its compliance with certain provisions of laws, regulations, contracts, and grant agreements and other matters. The purpose of that report is solely to describe the scope of our testing of internal control over financial reporting and compliance and the results of that testing, and not to provide an opinion on the effectiveness of the City of Scandia’s internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the City of Scandia’s internal control over financial reporting and compliance. SCHLENNER WENNER & CO. St. Cloud, Minnesota May 31, 2022 7 REQUIRED SUPPLEMENTARY INFORMATION CITY OF SCANDIA, MINNESOTA MANAGEMENT’S DISCUSSION AND ANALYSIS DECEMBER 31, 2021 8 Our discussion and analysis of the City of Scandia’s financial performance provides an overview of the City’s financial activities for the year ended December 31, 2021. Please read it in conjunction with the independent auditor’s report on page four and the City’s financial statements, which begin on page eighteen. FINANCIAL HIGHLIGHTS  The City’s net position increased $632,137 compared to the prior year as a result of this year’s operations.  The City’s General Fund generated more revenue than budgeted by $162,192, excluding transfers in from other funds. Expenditures were less than budgeted by $38,192, excluding transfers to other funds which exceeded budgeted amounts by $2,690. See additional detail pertaining to differences between budgeted and actual amounts at the General Fund’s Budgetary Comparison Schedule on page fifty-five.  The unassigned fund balance in the General Fund of $1,330,672 is 75 percent of the 2021 General Fund budgeted expenditures, excluding budgeted transfers to other funds.  In the City’s Sewer utility funds, revenues decreased $28,886 (or 19.14 percent), while operating expenses decreased $12,460 (or 9.35 percent). The City’s utility funds ended 2021 with a net gain of $1,208, with the cash position increasing $40,038. USING THIS ANNUAL REPORT This annual report consists of series of financial statements. The Statement of Net Position and the Statement of Activities (on pages eighteen and nineteen) provide information about the activities of the City as a whole and present a longer-term view of the City’s finances. Fund financial statements start on page twenty. For governmental activities, these statements tell how these services were financed in the short term as well as what remains for future spending. Fund financial statements also report the City’s operations in more detail than the government-wide statements by providing information about the City’s most significant funds. Reporting the City as a Whole Our analysis of the City as a whole begins on page ten. One of the most important questions asked about the City’s finances is, “Is the City as a whole better off or worse off as a result of the year’s activities?” The Statement of Net Position and the Statement of Activities report information about the City as a whole and about its activities in a way that helps answer this question. These statements include all assets, liabilities and deferred outflows/inflows of resources using the accrual basis of accounting, which is similar to the accounting used by most private-sector companies. All of the current year’s revenues and expenses are taken into account regardless of when cash is received or paid. These two statements report the City’s net position and changes net position. You can think of the City’s net position (the difference between assets and liabilities, adjusted for deferred outflows/inflows) as one way to measure the City’s financial health, or financial position. Over time, increases or decreases in the City’s net position are one indicator of whether its financial health is improving or deteriorating. You will need to consider other nonfinancial factors, however, such as changes in the City’s property tax base and the condition of the City’s roads, to assess the overall health of the City. CITY OF SCANDIA, MINNESOTA MANAGEMENT’S DISCUSSION AND ANALYSIS DECEMBER 31, 2021 9 USING THIS ANNUAL REPORT (Continued) Reporting the City as a Whole (Continued) In the Statement of Net Position and the Statement of Activities, we divide the City into two kinds of activities:  Governmental Activities – Most of the City’s basic services are reported here, including law enforcement, fire, public works, parks, planning, and general administration. Property taxes, special assessments, licenses, permits and fees, and state aids finance most of these activities.  Business-type Activities – The City charges a fee to customers to help it cover all or most of the cost of certain services it provides. The City’s 201 Sewer and Uptown sewer systems are reported here. Reporting the City’s Most Significant Funds Our analysis of the City’s major funds begins on page thirteen. The fund financial statements begin on page twenty and provide detailed information about the most significant funds-not the City as a whole. Some funds are required to be established by State law and by bond covenants. However, the City Council may establish other funds to help it control and manage money for particular purposes or to show that it is meeting legal responsibilities for using certain taxes, grants, and other money. The City’s two kinds of funds (governmental and proprietary) use different accounting approaches.  Governmental Funds – Most of the City’s basic services are reported in governmental funds, which focus on how money flows into and out of those funds and the balances left at year-end that are available for spending. These funds are reported using an accounting method called modified accrual accounting, which measures cash and all other financial assets that can readily be converted to cash. The governmental fund statements provide a detailed short-term view of the City’s general government operations and the basic services it provides. Governmental fund information helps you determine whether there are more or fewer financial resources that can be spent in the near future to finance the City’s programs. We describe the relationship (or differences) between governmental activities (reported in the Statement of Net Position and the Statement of Activities) and governmental funds in reconciliations following the fund financial statements.  Proprietary Funds – When the City charges customers for the services it provides these services are generally reported in proprietary funds. Proprietary funds are reported in the same way that all activities are reported in the Statement of Net Position and the Statement of Activities. In fact, the City’s proprietary funds are the same as the business-type activities we report in the government-wide statements but provide more detail and additional information, such as cash flows, for proprietary funds. CITY OF SCANDIA, MINNESOTA MANAGEMENT’S DISCUSSION AND ANALYSIS DECEMBER 31, 2021 10 THE CITY AS A WHOLE The City’s combined net position increased $632,137 from a year ago. Our analysis below focuses on the net position (Table 1) and changes in net position (Table 2) of the City’s governmental and business-type activities. Table 1 Net Position Governmental Business-Type Total Activities Activities Government 2021 2020 2021 2020 2021 2020 Current and Other Assets 4,816,494$ 4,997,843$ 111,262$ 65,621$ 4,927,756$ 5,063,464$ Net Capital Assets 14,799,007 14,189,533 911,078 958,931 15,710,085 15,148,464 Total Assets 19,615,501 19,187,376 1,022,340 1,024,552 20,637,841 20,211,928 Deferred Outflows of Resources 278,786 100,726 9,218 1,923 288,004 102,649 Current Liabilities 515,059 428,303 8,382 9,702 523,441 438,005 Noncurrent Liabilities 3,754,158 4,189,569 12,662 18,316 3,766,820 4,207,885 Total Liabilities 4,269,217 4,617,872 21,044 28,018 4,290,261 4,645,890 Deferred Inflows of Resources 420,524 96,613 11,753 904 432,277 97,517 Net Position: Net Investment in Capital Assets 11,357,274 10,432,072 911,078 958,931 12,268,352 11,391,003 Restricted 271,801 32,356 - - 271,801 32,356 Unrestricted 3,575,471 4,109,189 87,683 38,622 3,663,154 4,147,811 Total Net Position 15,204,546$ 14,573,617$ 998,761$ 997,553$ 16,203,307$ 15,571,170$ The net position of the City’s governmental activities increased by $630,929 (or 4.33 percent). Unrestricted net position (the part of net position that can be used to finance day-to-day operations without constraints established by debt covenants, enabling legislation, or other legal requirements) decreased by $533,718 (or 12.99 percent) compared to the prior year. The net position of the City’s business-type activities increased by $1,208 (or 0.12 percent), while the unrestricted net position increased from $38,622 to $87,683 due to the depreciation of the City's capital assets and decrease in the corresponding equity component. Aside from this, operations were comparable to the prior year. CITY OF SCANDIA, MINNESOTA MANAGEMENT’S DISCUSSION AND ANALYSIS DECEMBER 31, 2021 11 THE CITY AS A WHOLE (Continued) Table 2 Changes in Net Position Governmental Business-Type Total Activities Activities Government 2021 2020 2021 2020 2021 2020 REVENUE Charges for Services 315,332$ 202,001$ 121,133$ 95,721$ 436,465$ 297,722$ Operating Grants and Contributions 136,745 59,964 - - 136,745 59,964 Capital Grants and Contributions 1,126 - 624 6,844 1,750 6,844 Taxes 2,533,874 2,443,959 - - 2,533,874 2,443,959 Intergovernmental 270,866 346,296 32 47,213 270,898 393,509 Franchise Fees 30,158 25,435 - - 30,158 25,435 Investment Income 11,701 43,124 247 594 11,948 43,718 Other 18,986 5,115 - 550 18,986 5,665 Total Revenues 3,318,788 3,125,894 122,036 150,922 3,440,824 3,276,816 PROGRAM EXPENSES General Government 555,611 733,481 - - 555,611 733,481 Public Safety 543,177 453,190 - - 543,177 453,190 Public Works 1,336,615 1,277,674 - - 1,336,615 1,277,674 Culture and Recreation 183,587 171,595 - - 183,587 171,595 Economic Development 2,754 881 - - 2,754 881 Debt Service 108,153 117,055 - - 108,153 117,055 201 Sewer - - 101,246 120,995 101,246 120,995 Uptown Sewe r - - 19,582 12,293 19,582 12,293 Total Expenses 2,729,897 2,753,876 120,828 133,288 2,850,725 2,887,164 Gain on Sale of Assets 42,038 14,893 - - 42,038 14,893 Change in Net Position 630,929 386,911 1,208 17,634 632,137 404,545 Net Position - Beginning of Year 14,573,617 14,186,706 997,553 979,919 15,571,170 15,166,625 Net Position - End of Year 15,204,546$ 14,573,617$ 998,761$ 997,553$ 16,203,307$ 15,571,170$ The City’s total revenues increased by $164,008 (or 5.01 percent). Operations were comparable to the prior year, but various changes of significance include:  Charges for Services revenues increased by $138,743 from 2020 primarily due to greater residential development occurring within the City during 2021 that resulted in an increase in permits issued and utility billings during the year.  Intergovernmental revenues decreased by $122,611 from 2020 primarily due to the Coronavirus Relief Aid received in the prior year. CITY OF SCANDIA, MINNESOTA MANAGEMENT’S DISCUSSION AND ANALYSIS DECEMBER 31, 2021 12 THE CITY AS A WHOLE (Continued) The total cost of all programs and services decreased by $36,439 (or 1.26 percent), primarily due to costs incurred in response to the pandemic, using coronavirus relief funding received from the State. Our analysis below separately considers the operations of governmental and business-type activities: Governmental Activities Revenue for the City’s governmental activities increased $192,894 (or 6.17 percent), while total expenses decreased by $23,979 (or 0.87 percent). Revenues and expenses were generally consistent year to year, with the exception of the matters previously noted. Table 3 presents the cost of each of the City’s programs (general government, public safety, public works, parks and recreation, economic development, and debt service) as well as each program’s net cost (total cost less revenues generated by the activities). The net cost shows the financial burden that was placed on the City’s taxpayers by each of these functions. Activities, net of capital outlay which is excluded from Table 3, were generally comparable to the prior year as operations remained fairly consistent with the prior year, with the exception of:  General government net cost of services decreased $85,140, largely due to expenses incurred in the prior year in response to the pandemic.  Public safety net cost of services decreased $94,601, despite an increase in the corresponding expenses. This net decrease was the result of an increase in corresponding revenues from the issuance of building permits and other charges. Table 3 Governmental Activities Total Cost Net Cost of Services of Services 2021 2020 2021 2020 General Government 555,611$ 733,481$ 493,409$ 578,549$ Public Safety 543,177 453,190 275,018 369,619 Public Works 1,336,615 1,277,674 1,233,495 1,269,558 Culture and Recreation 183,587 171,595 163,865 156,249 Economic Development 2,754 881 2,754 881 Debt Service 108,153 117,055 108,153 117,055 Totals 2,729,897$ 2,753,876$ 2,276,694$ 2,491,911$ Business-type Activities Revenues of the City’s business-type activities (see Table 2) decreased by $28,886 (or 19.14 percent). Expenses decreased by $12,460 (or 9.35 percent). Operations were comparable to those of the prior year, except that the City recognized revenues of approximately $47,000 in the prior year from a FEMA disaster grant. Additionally, expenses for repairs and maintenance decreased in the current year. CITY OF SCANDIA, MINNESOTA MANAGEMENT’S DISCUSSION AND ANALYSIS DECEMBER 31, 2021 13 THE CITY’S FUNDS Governmental Funds As the City completed the year, its governmental funds (as presented in the balance sheet on page twenty) reported a combined fund balance of $4,038,527. This is a decrease of $355,422 (or 8.09 percent) from the prior year. This decrease in fund balance is the net result of a multitude of transactions, but a few of the largest contributing factors unique to the current year’s operations are as follows:  Expenditures for capital outlay had an overall increase of $561,723 (55.70 percent) from 2020. Other operations were comparable to the prior year. The following is a summary of the City’s major governmental funds: Increase 2021 2020 (Decrease) General 1,350,294$ 1,535,222$ (184,928)$ Fund Balance December 31, Major Funds The fund balance of the General Fund decreased by $184,928 as a result of current year operations. In comparison to the prior year, revenues decreased 1.44 and expenditures increased 9.84 percent. General Fund Revenue Taxes Franchise Taxes Licenses, Permits and Fees Intergovernmental Charges for Services Fines Investment Income Miscellaneous The City receives the majority of its funding in the General Fund in the form of taxes (77.58 percent), licenses, permits, and fees (11.72 percent), intergovernmental (3.84 percent), and charges for services (3.43 percent). Overall, the City’s General Fund revenues were comparable to the prior year, with the exception of matters previously discussed. CITY OF SCANDIA, MINNESOTA MANAGEMENT’S DISCUSSION AND ANALYSIS DECEMBER 31, 2021 14 THE CITY’S FUNDS (Continued) General Fund Expenditures General Government Public Safety Public Works Culture and Recreation Capital Outlay A significant portion of the City’s General Fund expenditures are used for public works (32.05 percent). Remaining expenditures are used primarily on public safety (31.00 percent) and general government operations (29.66 percent). Overall, the City’s General Fund expenditures were comparable to the prior year. General Fund Budgetary Highlights The City’s General Fund generated more revenue than budgeted of $160,752, including transfers from other funds. Expenditures, including transfers out to other funds, were less than those budgeted by $35,502. See additional detail pertaining to differences between budgeted and actual amounts within the General Fund previously discussed and at the Budgetary Comparison Schedule on page fifty-five. Increase 2021 2020 (Decrease) Fund Balance December 31, Major Funds Capital Improvement Fund 635,904$ 860,659$ (224,755)$ At December 31, 2021, the Capital Improvement Fund has a cash balance of $845,402. The fund balance of the Capital Improvement Fund decreased by $224,755. Significant activity in this fund during 2021 included the purchase of a defibrillator and radios for Public Safety, as well as the City’s share of various broadband expansion costs. CITY OF SCANDIA, MINNESOTA MANAGEMENT’S DISCUSSION AND ANALYSIS DECEMBER 31, 2021 15 THE CITY’S FUNDS (Continued) Increase 2021 2020 (Decrease) Fund Balance December 31, Major Funds Local Road Improvement Fund 1,252,549$ 1,600,451$ (347,902)$ At December 31, 2021, the Local Road Improvement Fund has a cash balance of $1,278,399. The fund balance decreased by $347,902 primarily due to capital expenditures for street reconstruction projects exceeding the revenue sources for the fund. Debt Service 45,963$ 27,396$ 18,567$ At December 31, 2021, the Debt Service Fund has a cash balance of $45,963. The fund balance increased by $18,567 primarily due to revenues from property taxes exceeding the payment of principal and interest. Proprietary Funds As the City completed the year, its business-type activities (as presented in the statement of net position on page twenty-four) reported a combined net position of $998,761. This is an increase of $1,208 from the prior year. Other operations were comparable to the prior year. The following is a summary of the City’s proprietary funds: Increase 2021 2020 (Decrease) 201 Sewer Fund 833,692$ 828,105$ 5,587$ Net Position December 31, Funds The 201 Sewer Fund provides sanitary sewer services to customers in the Anderson-Erickson and Bliss subdivisions. At December 31, 2021, the fund had a cash balance of $89,665 with an increase in cash of $43,227 for the year. The increase in cash is attributable to an increase in charges for services. The fund’s net position increased $5,587 during the current year primarily due to revenues from charges for services and connection fees exceeding operating expenses. Uptown Sewer Fund 165,069$ 169,448$ (4,379)$ The Uptown Sewer Fund provides sanitary sewer services to commercial customers near the Olinda Trail / Oakhill intersection. At December 31, 2021, the fund had a cash balance of $15,578 with a decrease in cash of $3,189 for the year. The decrease in cash is attributable to increase repairs and maintenance costs in the current year. The fund’s net position decreased $4,379 during the year as a result of operating expenses exceeding revenues from charges for services. CAPITAL ASSET AND DEBT ADMINISTRATION Capital Assets At the end of 2021, the City had $15,710,085 invested in a broad range of capital assets, including land, buildings, equipment and vehicles, infrastructure, improvements, and sewer systems. This amount represents a net increase of $561,621 (or 3.71 percent) from last year. CITY OF SCANDIA, MINNESOTA MANAGEMENT’S DISCUSSION AND ANALYSIS DECEMBER 31, 2021 16 CAPITAL ASSET AND DEBT ADMINISTRATION (Continued) Table 4 Capital Assets Net of Depreciation Governmental Activities Activities Totals 2021 2020 2021 2020 2021 2020 Land 487,735$ 487,735$ -$ -$ 487,735$ 487,735$ Construction In Progress 24,710 37,962 - - 24,710 37,962 Buildings 1,178,174 1,232,221 - - 1,178,174 1,232,221 Equipment 657,737 589,747 205,077 218,055 862,814 807,802 Vehicles 703,801 745,194 - - 703,801 745,194 Infrastructure 11,663,276 11,003,538 - - 11,663,276 11,003,538 Other Improvements 83,574 93,136 - - 83,574 93,136 Sewer Plant - - 540,000 570,000 540,000 570,000 Uptown Sewer - - 166,001 170,876 166,001 170,876 Totals 14,799,007$ 14,189,533$ 911,078$ 958,931$ 15,710,085$ 15,148,464$ Business-Type Significant capital asset acquisitions during 2020 were:  Capital outlay for 2021 road improvement project - $802,235 More detailed information about the City’s capital assets is presented in Note 2.B. to the financial statements. Debt In 2021, the City paid off $312,000 of the $3,709,000 in debt that was outstanding at December 31, 2020. The City did not issue any new debt during 2021, bringing the total year-end balance of debt outstanding at December 31, 2021 to $3,397,000. See additional information at Note 2.C. to the financial statements. ECONOMIC FACTORS AND NEXT YEAR’S BUDGETS AND RATES The City introduced a comprehensive financial management plan and utility rate study for the 2021 budget year, which offered the City’s elected and appointed officials with a broad range of factors to consider for the 2021 budget. The process helped the City to make more enhanced predictions on tax rates, fee revenues, and estimated costs by utilizing information on economic conditions, including inflationary estimates and trends in property assessment and expenses, to develop thoughtful predictions for the 2021 fiscal year. Most significantly, this planning effort took into account long range capital expenditures in relation to projected revenues over a 10 year cycle to maintain a more proactive approach towards large long-range capital costs. Sewer rates were adjusted by 5 to 7% for the Big Marine and Uptown Sewer Utilities. Building growth and permit activity have added significant additional value for to the City’s tax base, which is also projected to carry into 2022. Operational costs for the 2022 fiscal year are anticipated to be similar to that of the 2021 fiscal year. CONTACTING THE CITY’S FINANCIAL MANAGEMENT This financial report is designed to provide our citizens, taxpayers, customers, and investors and creditors with a general overview of the City’s finances and to show the City’s accountability for the money it receives. If you have questions about this report or need additional financial information, contact the City of Scandia, 14727 209th Street N, Scandia, MN 55073.   17 BASIC FINANCIAL STATEMENTS CITY OF SCANDIA, MINNESOTA STATEMENT OF NET POSITION DECEMBER 31, 2021 See accompanying notes. 18 Governmental Activities Business-Type Activities Totals ASSETS Cash and Cash Equivalents 4,458,530$ 105,243$ 4,563,773$ Property Taxes Receivable 65,537 - 65,537 Assessments Receivable 31,752 4,315 36,067 Accounts Receivable 35,115 17,532 52,647 Interest Receivable 246 - 246 Internal Balances 15,828 (15,828) - Inventory 7,873 - 7,873 Prepaids 12,044 - 12,044 Noncurrent Assets: Capital Assets Not Being Depreciated 512,445 - 512,445 Capital Assets Being Depreciated (Net) 14,286,562 911,078 15,197,640 Net Pension Asset 189,569 - 189,569 TOTAL ASSETS 19,615,501 1,022,340 20,637,841 DEFERRED OUTFLOWS OF RESOURCES Pensions 278,786 9,218 288,004 LIABILITIES Accounts Payable 434,861 6,082 440,943 Salaries Payable 40,549 1,100 41,649 Accrued Interest Payable 2,518 - 2,518 Deposits Payable 36,716 - 36,716 Unearned Revenue 415 1,200 1,615 Noncurrent Liabilities: Amount Due Within One Year 360,757 - 360,757 Amount Due After One Year 3,119,733 - 3,119,733 Net Pension Liability 273,668 12,662 286,330 TOTAL LIABILITIES 4,269,217 21,044 4,290,261 DEFERRED INFLOWS OF RESOURCES Pensions 420,524 11,753 432,277 NET POSITION Net Investment in Capital Assets 11,357,274 911,078 12,268,352 Restricted 271,801 - 271,801 Unrestricted 3,575,471 87,683 3,663,154 TOTAL NET POSITION 15,204,546$ 998,761$ 16,203,307$ CITY OF SCANDIA, MINNESOTA STATEMENT OF ACTIVITIES FOR THE YEAR ENDED DECEMBER 31, 2021 See accompanying notes. 19 Operating Capital Charges for Grants and Grants and Governmental Business-Type Expenses Services Contributions Contributions ActivitiesActivitiesTotalGovernmental Activities: General Government 555,611$ 62,202$ -$ -$ (493,409)$ -$ (493,409)$ Public Safety543,177 226,865 41,294 - (275,018) - (275,018) Public Works 1,336,615 12,632 89,362 1,126 (1,233,495) - (1,233,495) Culture and Recreation 183,587 13,633 6,089 - (163,865) - (163,865) Economic Development 2,754 - - - (2,754) - (2,754) Debt Service108,153 - - - (108,153) - (108,153) Total Governmental Activities 2,729,897 315,332 136,745 1,126 (2,276,694) - (2,276,694) Business-Type Activities: 201 Sewer 101,246 106,001 - 624 - 5,379 5,379 Uptown Sewer19,582 15,132 - - - (4,450) (4,450) Total Business-Type Activities120,828 121,133 - 624 - 929 929 TOTALS2,850,725$ 436,465$ 136,745$ 1,750$ (2,276,694) 929 (2,275,765) General Revenues: Taxes2,533,874 - 2,533,874 Franchise and Other Tax 30,158 - 30,158 Intergovernmental 270,866 32 270,898 Investment Income 11,701 247 11,948 Gain on Sale of Assets 42,038 - 42,038 Miscellaneous 18,986 - 18,986 Total General Revenues 2,907,623 279 2,907,902 CHANGE IN NET POSITION 630,929 1,208 632,137 NET POSITION - BEGINNING OF YEAR 14,573,617 997,553 15,571,170 NET POSITION - END OF YEAR 15,204,546$ 998,761$ 16,203,307$ Functions/Programs Program Revenues Net (Expense) Revenue and Changes in Net PositionPrimary Government CITY OF SCANDIA, MINNESOTA BALANCE SHEET GOVERNMENTAL FUNDS DECEMBER 31, 2021 See accompanying notes. 20 General Fund Capital Improvement Fund Local Road Improvement Fund Debt Service Fund Total Nonmajor Funds Total Governmental Funds ASSETS Cash and Cash Equivalents 1,529,175$ 845,402$ 1,278,399$ 45,963$ 759,591$ 4,458,530$ Property Taxes Receivable 65,537 - - - - 65,537 Assessments Receivable - 674 31,078 - - 31,752 Accounts Receivable 24,184 - - - 10,931 35,115 Interest Receivable 246 - - - - 246 Inventory 7,873 - - - - 7,873 Prepaids 11,749 - - - 295 12,044 Advances to Other Funds - 47,828 - - - 47,828 TOTAL ASSETS 1,638,764$ 893,904$ 1,309,477$ 45,963$ 770,817$ 4,658,925$ LIABILITIES Accounts Payable 151,685$ 257,326$ 25,850$ -$ -$ 434,861$ Salaries Payable 40,549 - - - - 40,549 Deposits Payable 36,716 - - - - 36,716 Unearned Revenue 415 - - - - 415 Advances from Other Funds 24,000 - - - 8,000 32,000 Total Liabilities 253,365 257,326 25,850 - 8,000 544,541 DEFERRED INFLOWS OF RESOURCES Unavailable Revenue: Property Taxes 35,105 - - - - 35,105 Special Assessments - 674 31,078 - - 31,752 Other Receivables - - - - 9,000 9,000 Total Deferred Inflows of Resources 35,105 674 31,078 - 9,000 75,857 FUND BALANCES Nonspendable 19,622 47,828 - - 295 67,745 Restricted - - - 45,963 228,356 274,319 Committed - 588,076 - - 259,187 847,263 Assigned - - 1,252,549 - 265,979 1,518,528 Unassigned 1,330,672 - - - - 1,330,672 Total Fund Balances 1,350,294 635,904 1,252,549 45,963 753,817 4,038,527 TOTAL LIABILITIES, DEFERRED INFLOWS OF RESOURCES, AND FUND BALANCES 1,638,764$ 893,904$ 1,309,477$ 45,963$ 770,817$ 4,658,925$ Capital Project CITY OF SCANDIA, MINNESOTA RECONCILIATION OF THE BALANCE SHEET - GOVERNMENTAL FUNDS TO THE STATEMENT OF NET POSITION DECEMBER 31, 2021 See accompanying notes. 21 Total Fund Balances - Governmental Funds 4,038,527$ Amounts reported for governmental activities in the Statement of Net Position are different because: Capital assets used in governmental activities are not current financial resources and, therefore, are not reported as assets in governmental funds: Capital Assets 23,200,533$ Accumulated Depreciation (8,401,526) Capital Assets (Net) 14,799,007 Long-term liabilities are not due and payable in the current period and, therefore, are not reported as liabilities in the funds: Bonds and Equipment Certificates Principal Payable (3,397,000) Bond Premium, Net of Accumulated Amortization (44,733) Compensated Absences (38,757) (3,480,490) The net pension liability and related deferred outflows/inflows represent the allocation of the pension obligations of the statewide plans to the City. Such balances are not reported in the funds: Net Pension Asset 189,569 Net Pension Liability (273,668) Deferred Outflows - Pensions 278,786 Deferred Inflows - Pensions (420,524) (225,837) Interest on long-term debt is recognized as an expenditure when due and payable in the governmental funds. Therefore, interest is not accrued in the governmental funds Balance Sheet, but is accrued in the Statement of Net Position: (2,518) Other long-term assets are not available to pay for current-period expenditures and, therefore, are reported as unavailable in the funds: Property Taxes 35,105 Special Assessments 31,752 Other Receivables 9,000 TOTAL NET POSITION OF GOVERNMENTAL ACTIVITIES 15,204,546$ CITY OF SCANDIA, MINNESOTA STATEMENT OF REVENUES, EXPENDITURES, AND CHANGES IN FUND BALANCES GOVERNMENTAL FUNDS FOR THE YEAR ENDED DECEMBER 31, 2021 See accompanying notes. 22 General Fund Capital Improvement Fund Local Road Improvement Fund Debt Service Fund Total Nonmajor Funds Total Governmental Funds REVENUES Taxes 1,425,296$ 100,000$ 438,539$ 445,585$ 145,000$ 2,554,420$ Franchise Taxes 6,965 - - - 23,193 30,158 Special Assessments - 2,198 - - - 2,198 Licenses, Permits, and Fees 215,320 - - - - 215,320 Intergovernmental 70,580 - 89,362 - 233,424 393,366 Charges for Services 63,081 - - - 3,000 66,081 Fines 6,899 - - - - 6,899 Interest Income 3,133 2,941 4,298 - 1,329 11,701 Miscellaneous 46,018 6,089 - - 42,038 94,145 TOTAL REVENUES 1,837,292 111,228 532,199 445,585 447,984 3,374,288 EXPENDITURES Current: General Government 515,988 - - - 5,906 521,894 Public Safety 539,313 - - - - 539,313 Public Works 557,554 - - - - 557,554 Parks and Recreation 110,988 - - - - 110,988 Economic Development - - - - 2,754 2,754 Capital Outlay 15,687 535,983 960,101 - 58,418 1,570,189 Debt Service: Principal - - - 312,000 - 312,000 Interest and Other Charges - - - 115,018 - 115,018 TOTAL EXPENDITURES 1,739,530 535,983 960,101 427,018 67,078 3,729,710 EXCESS (DEFICIENCY) OF REVENUES OVER (UNDER) EXPENDITURES 97,762 (424,755) (427,902) 18,567 380,906 (355,422) OTHER FINANCING SOURCES (USES) Transfers In - 200,000 80,000 - 2,690 282,690 Transfers Out (282,690) - - - - (282,690) TOTAL OTHER FINANCING SOURCES (USES)(282,690) 200,000 80,000 - 2,690 - NET CHANGE IN FUND BALANCES (184,928) (224,755) (347,902) 18,567 383,596 (355,422) FUND BALANCES - BEGINNING 1,535,222 860,659 1,600,451 27,396 370,221 4,393,949 FUND BALANCES - ENDING 1,350,294$ 635,904$ 1,252,549$ 45,963$ 753,817$ 4,038,527$ Capital Project CITY OF SCANDIA, MINNESOTA RECONCILIATION OF CHANGES IN FUND BALANCE OF GOVERNMENTAL FUNDS TO THE STATEMENT OF ACTIVITES FOR THE YEAR ENDED DECEMBER 31, 2021 See accompanying notes. 23 Net Change in Fund Balances - Total Governmental Funds (355,422)$ Amounts reported for governmental activities in the Statement of Activities are different due to the following: Capital outlays are reported in governmental funds as expenditures. However, in the Statement of Activities, the cost of those assets is allocated over the estimated useful lives as depreciation expense: Capital Outlay Capitalized 1,248,348$ Depreciation Expense (638,874) 609,474 The issuance of long-term debt provides current financial resources to governmental funds while the repayment of principal of long-term debt consumes the current financial resources of governmental funds. Neither transaction, however, has any effect on net position. Also, governmental funds report the effect of premiums and discounts when debt is first issued, whereas these amounts are deferred and amortized in the Statement of Activities. The amounts below detail the effects of these differences in the treatment of long term debt and related items: Bond Principal Repayments 312,000 Amortization of Bond Premium 3,728 315,728 Net change in accrued interest on bonds and equipment certificates are not reported as expenses in the funds.3,137 Under the modified accrual basis of accounting, certain revenues cannot be recognized until they are available to liquidate liabilities of the current period: Property Taxes (20,546) Special Revenues (1,072) Other Receivables 9,000 (12,618) Some expenses reported in the Statement of Activities do not require the use of current financial resources and, therefore, are not reported as expenditures in the governmental funds: Compensated Absences (529) Certain liabilities do not represent the impending use of current resources. Therefore, the change in such liabilities and related deferrals are not reported in the governmental funds: Net Pension Liability and Deferred Outflows/Inflows of Resources 71,159 CHANGE IN NET POSITION OF GOVERNMENTAL ACTIVITIES 630,929$ CITY OF SCANDIA, MINNESOTA STATEMENT OF NET POSITION PROPRIETARY FUNDS DECEMBER 31, 2021 See accompanying notes. 24 Nonmajor 201 Sewer Fund Uptown Sewer Fund Totals ASSETS Current Assets Cash and Cash Equivalents 89,665$ 15,578$ 105,243$ Assessments Receivable 4,315 - 4,315 Accounts Receivable 13,432 4,100 17,532 Total Current Assets 107,412 19,678 127,090 Noncurrent Assets Capital Assets Being Depreciated (Net)745,077 166,001 911,078 TOTAL ASSETS 852,489 185,679 1,038,168 DEFERRED OUTFLOWS OF RESOURCES Pensions 7,271 1,947 9,218 LIABILITIES Current Liabilities Accounts Payable 4,737 1,345 6,082 Salaries Payable 845 255 1,100 Unearned Revenue 1,200 - 1,200 Total Current Liabilities 6,782 1,600 8,382 Noncurrent Liabilities Advances from Other Funds - 15,828 15,828 Net Pension Liability 10,002 2,660 12,662 Total Noncurrent Liabilities 10,002 18,488 28,490 TOTAL LIABILITIES 16,784 20,088 36,872 DEFERRED INFLOWS OF RESOURCES Pensions 9,284 2,469 11,753 NET POSITION Net Investment in Capital Assets 745,077 166,001 911,078 Unrestricted 88,615 (932) 87,683 TOTAL NET POSITION 833,692$ 165,069$ 998,761$ CITY OF SCANDIA, MINNESOTA STATEMENT OF REVENUES, EXPENSES, AND CHANGES IN NET POSITION PROPRIETARY FUNDS FOR THE YEAR ENDED DECEMBER 31, 2021 See accompanying notes. 25 Nonmajor 201 Sewer Fund Uptown Sewer Fund Totals OPERATING REVENUES Charges for Services 98,001$ 15,132$ 113,133$ OPERATING EXPENSES Wages and Benefits 11,663 3,571 15,234 Materials and Supplies 667 84 751 Repairs and Maintenance 12,029 2,063 14,092 Professional Services 16,653 7,464 24,117 Utilities 1,862 522 2,384 Miscellaneous 9,705 1,002 10,707 Depreciation 48,667 4,876 53,543 TOTAL OPERATING EXPENSES 101,246 19,582 120,828 NET OPERATING INCOME (LOSS)(3,245) (4,450) (7,695) NONOPERATING INCOME Special Assessments 624 - 624 Intergovernmental 25 7 32 Connection Fees 8,000 - 8,000 Investment Income 183 64 247 TOTAL NONOPERATING INCOME 8,832 71 8,903 CHANGE IN NET POSITION 5,587 (4,379) 1,208 NET POSITION - BEGINNING OF YEAR 828,105 169,448 997,553 NET POSITION - END OF YEAR 833,692$ 165,069$ 998,761$ CITY OF SCANDIA, MINNESOTA STATEMENT OF CASH FLOWS PROPRIETARY FUNDS FOR THE YEAR ENDED DECEMBER 31, 2021 See accompanying notes. 26 Nonmajor 201 Sewer Fund Uptown Sewer Fund Totals CASH FLOWS FROM OPERATING ACTIVITIES Cash Received from Customers 96,990$ 13,656$ 110,646$ Cash Paid to Suppliers (44,238) (10,152) (54,390) Cash Paid to Employees (12,861) (4,124) (16,985) NET CASH PROVIDED BY OPERATING ACTIVITIES 39,891 (620) 39,271 CASH FLOWS FROM NONCAPITAL FINANCING ACTIVITIES Intergovernmental 25 7 32 Other Receipts from Customers 8,000 - 8,000 NET CASH PROVIDED BY NONCAPITAL FINANCING ACTIVITIES 8,025 7 8,032 CASH FLOWS FROM CAPITAL AND RELATED FINANCING ACTIVITIES Special Assessments 818 - 818 Purchases of Capital Assets (5,690) - (5,690) Payments on Interfund Advances - (2,640) (2,640) NET CASH USED BY CAPITAL AND (4,872) (2,640) (7,512) RELATED FINANCING ACTIVITIES CASH FLOWS FROM INVESTING ACTIVITIES Investment Income 183 64 247 Net Change in Cash and Cash Equivalents 43,227 (3,189) 40,038 Cash and Cash Equivalents - Beginning of Year 46,438 18,767 65,205 Cash and Cash Equivalents - End of Year 89,665$ 15,578$ 105,243$ CITY OF SCANDIA, MINNESOTA STATEMENT OF CASH FLOWS (Continued) PROPRIETARY FUNDS FOR THE YEAR ENDED DECEMBER 31, 2021 See accompanying notes. 27 Nonmajor 201 Sewer Fund Uptown Sewer Fund Totals RECONCILIATION OF NET OPERATING INCOME (LOSS) TO NET CASH PROVIDED BY OPERATING ACTIVITIES Net Operating Income (Loss)(3,245)$ (4,450)$ (7,695)$ Adjustments to Reconcile Net Operating Income (Loss) to Net Cash Provided by Operating Activities: Depreciation Expense 48,667 4,876 53,543 Changes in Assets, Liabilities, and Deferrals: Accounts Receivable (1,811) (1,476) (3,287) Prepaids 130 - 130 Accounts Payable (3,452) 983 (2,469) Salaries Payable 265 84 349 Unearned Revenue 800 - 800 Net Pension Liability (4,304) (1,350) (5,654) Deferred Outflows or Resources - Pensions (5,737) (1,558) (7,295) Deferred Inflows or Resources - Pensions 8,578 2,271 10,849 NET CASH PROVIDED BY OPERATING ACTIVITIES 39,891$ (620)$ 39,271$ CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 28 NOTE 1 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The financial statements of the City of Scandia (the City) have been prepared in conformity with accounting principles generally accepted in the United States of America (GAAP) as applied to governmental units. GAAP includes all relevant Governmental Accounting Standards Board (GASB) pronouncements. The City has a mayor-council form of government that is governed by an elected mayor and four-member council. The City provides the following services: sanitation, recreation, public improvements, public safety, planning and zoning, and general administrative services. 1.A. FINANCIAL REPORTING ENTITY The City’s financial reporting entity is comprised of the primary governmental unit of the City of Scandia, Minnesota. In determining the financial reporting entity, the City complies with the provisions of GASB Statement No. 14, The Financial Reporting Entity, and includes all component units of which the City appointed a voting majority of the units’ board; the City is either able to impose its will on the unit or a financial benefit or burden relationship exists. Blended Component Units Blended component units are separate legal entities that meet the component unit criteria describe above and whose governing body is the same or substantially the same as the City Council or the component unit provides services entirely to the City. These component units’ funds are blended into those of the City’s by appropriate activity type to compose the primary government presentation. The City’s blended component units consist of: Economic Development Authority – The City created an Economic Development Authority (EDA) by resolution of its City Council. The EDA is governed by a five-member board appointed by the City Council. Although it is legally separate from the City, the EDA is reported as if it were part of the primary government because its purpose is to approve the City's redevelopment plans. The EDA cannot issue bonded debt without the City's approval. Discretely Presented Component Units Discretely presented component units are separate legal entities that meet the component unit criteria described above but do not meet the criteria for blending. Currently, the City has no discretely presented component units. 1.B. BASIS OF PRESENTATION Government-wide Financial Statements The Statement of Net Position and Statement of Activities display information about the reporting government as a whole. They include all funds of the reporting entity. The statements distinguish between governmental and business-type activities. Governmental activities generally are financed through taxes, intergovernmental revenues, and other nonexchange revenues. Business-type activities are financed in whole or in part by fees charged to external parties for goods and services. Fund Financial Statements Fund financial statements of the reporting entity are organized into funds, each of which is considered to be a separate accounting entity. Each fund is accounted for by providing a separate set of self-balancing accounts that constitute its assets, deferred outflows, liabilities, deferred inflows, fund equity, revenues, and expenditures/expenses. Funds are organized into two major categories: governmental and proprietary. An emphasis is placed on major funds within the governmental and proprietary categories. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 29 NOTE 1 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) 1.B. BASIS OF PRESENTATION (Continued) A fund is considered major if it is the primary operating fund of the City or meets the following criteria:  Total assets and deferred outflows, liabilities and deferred inflows, revenues or expenditures/expenses of that individual governmental or enterprise fund are at least 10 percent of the corresponding total for all funds of that category or type; and  Total assets and deferred outflows, liabilities and deferred inflows, revenues or expenditures/expenses of that individual governmental or enterprise fund are at least 5 percent of the corresponding total for all governmental and enterprise funds combined. The City reports the following major governmental funds: The General Fund is the primary operating fund. It accounts for all financial resources of the general government, except those required to be accounted for in another fund. The Capital Improvement Fund accounts for financial resources to be used for the acquisition or construction of capital projects (other than those financed by proprietary funds). The Local Road Improvement Fund is a capital project fund used to account for financial resources to be used for the construction or improvement of roads within the City. The Debt Service Fund accounts for the accumulation of financial resources for the payment of interest and principal on general long-term debt of the City other than debt service payments made by enterprise funds. Ad valorem taxes and special assessments are used for the payment of principal and interest on the City’s judgment. The City reports the following major proprietary funds: The 201 Sewer and Uptown Sewer Funds account for business-like activities related to the operation of sewer systems provided to the general public. These activities are financed primarily by user charges, and the measurement of financial activity focuses on the net income measurement similar to the private sector. Additionally, the government reports the following nonmajor fund types: The Special Revenue Fund accounts for funds received by the City with a specific purpose. The Capital Projects Funds account for financial resources to be used for the acquisition or construction of capital projects (other than projects financed by proprietary funds). 1.C. MEASUREMENT FOCUS AND BASIS OF ACCOUNTING Measurement focus is a term used to describe “which” transactions are recorded within the various financial statements. Basis of accounting refers to “when” transactions are recorded regardless of the measurement focus applied. Measurement Focus On the government-wide Statement of Net Position and the Statement of Activities, both governmental and business-like activities are presented using the “economic resources” measurement focus as defined in the second bullet point on the next page. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 30 NOTE 1 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) 1.C. MEASUREMENT FOCUS AND BASIS OF ACCOUNTING (Continued) In the fund financial statements, the “current financial resources” measurement focus or the “economic resources” measurement focus is used as appropriate:  All governmental funds utilize a current financial resources measurement focus. Only current financial assets and liabilities are generally included on their balance sheets. Their operating statements present sources and uses of available spendable financial resources during a given period. These funds use fund balance as their measure of available spendable financial resources at the end of the period.  The government-wide financial statements and proprietary funds utilize an economic resources measurement focus. The accounting objectives of this measurement focus are the determination of operating income, changes in net position, financial position, and cash flows. All assets, deferred outflows, liabilities, and deferred inflows (whether current or noncurrent) associated with their activities are reported. Proprietary fund equity is classified as net position. Basis of Accounting In the government-wide Statement of Net Position and Statement of Activities, both governmental and business-like activities are presented using the “accrual” basis of accounting. Under the accrual basis of accounting, revenues are recognized when earned and expenses are recorded when the liability is incurred or economic asset used. Revenues, expenses, gains, losses, assets, and liabilities resulting from exchange and exchange-like transactions are recognized when the exchange takes place. In the fund financial statements, governmental funds are presented on the “modified accrual” basis of accounting. Under this modified accrual basis of accounting, revenues are recognized when “measurable and available.” Measurable means knowing or being able to reasonable estimate the amount. Available means collectible within the current period or within sixty days after year end. Expenditures (including capital outlay) are recorded when the related fund liability is incurred, except for general obligation bond principal and interest which are reported when due. All proprietary funds utilize the accrual basis of accounting. 1.D. 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, deferred outflows, liabilities, and deferred inflows, and disclosure of contingent assets and liabilities at the date of the financial statements. Estimates also affect reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. 1.E. ASSETS, LIABILITIES, DEFERRED OUTFLOWS/INFLOWS OF RESOURCES, AND EQUITY Cash and Cash Equivalents For purposes of the Statement of Net Position and proprietary fund Statement of Cash Flows, “cash and cash equivalents” includes all demand, savings, certificates of deposit, and money market accounts for the City. Certificates of deposit are stated at cost, which approximates fair value. See Note 2.A. for additional information related to Cash and Cash Equivalents. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 31 NOTE 1 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) 1.E. ASSETS, LIABILITIES, DEFERRED OUTFLOWS/INFLOWS OF RESOURCES, AND EQUITY (Continued) Interfund Transactions and Balances During the course of operations, transactions occur between individual funds that may result in amounts owed between funds. Those related to good and services type transactions are classified as “due to and from other fund.” Short-term interfund loans are reported as “due to and from other fund.” Long-term interfund loans are reported as “advances from and to other funds.” Interfund receivables and payables between funds within governmental activities, as well as interfund receivables and payables between funds within business-type activities are eliminated in the Statement of Net Position. See Note 2.D. for details of interfund transactions, including receivables and payables at year-end. Prepaids Prepaids represent costs paid during the current year to be recognized in future periods. Inventories Inventory is valued at the lower of average cost or market based on physical counts. Inventory in the General Fund consists of expendable supplies held for consumption and is equally offset by a nonspendable fund balance classification. The cost of inventory is recorded as an expense when purchased and adjusted at year-end. Receivables In the government-wide statements, receivables consist of all revenues earned at year-end and not yet received. Allowances for uncollectible accounts receivable are based upon historical trends and the periodic aging of accounts receivable and not deemed necessary at year end. Major receivable balances for the governmental activities include charges for services, fines, fees, taxes, and special assessments. Business-type activities report utility charges and assessments as their major receivables. In the fund financial statements, material receivables in governmental funds include revenue accruals such as taxes, franchise fees, fines and charges for service since they are usually both measurable and available. Revenues collectible but not available are deferred in the fund financial statements in accordance with modified accrual, but not deferred in the government-wide financial statements in accordance with the accrual basis. Interest and investment earnings are recorded when earned only if paid within 60 days since they would be considered both measurable and available. Proprietary fund material receivables consist of all revenues earned at year-end and not yet received. Utility accounts receivable and assessments compose the majority of proprietary fund receivables. Allowance for uncollectible accounts receivable are based upon historical trends and the periodic aging of accounts receivable. No allowances are deemed necessary at year end. Capital Assets The accounting treatment over property, plant and equipment (capital assets) depends on whether the assets are used in governmental or proprietary fund operations and whether they are reported in the government-wide or fund financial statements. Capital assets are defined by the City as assets with an initial, individual cost of more than $5,000 and must have an estimated useful life in excess of one year. The range of estimated useful lives by type of asset is as follows: Buildings and Structures 40 years Machinery and Equipment 5-25 years Vehicles 25 years Infrastructure 50 years CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 32 NOTE 1 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) 1.E. ASSETS, LIABILITIES, DEFERRED OUTFLOWS/INFLOWS OF RESOURCES, AND EQUITY (Continued) Government-wide Statements In the government-wide financial statements, capital outlay expenditures are accounted for as capital assets. All capital assets are valued at historical cost or estimated historical cost if actual is unavailable, except for donated capital assets which are recorded at their estimated acquisition value at the date of donation. Depreciation of all exhaustible capital assets is recorded as an allocated expense in the Statement of Activities, with accumulated depreciation reflected in the Statement of Net Position. Depreciation is provided over the assets’ estimated useful lives using the straight-line method of depreciation. Fund Financial Statements In the fund financial statements, capital assets used in governmental fund operations are accounted for as capital outlay expenditures of the governmental fund upon acquisition. Capital assets used in proprietary fund operations are accounted for the same as in the government-wide statements. Long-Term Debt The accounting treatment of long-term debt depends on whether the assets are used in governmental fund operations or proprietary fund operations and whether they are reported in the government-wide or fund financial statements. All long-term debt to be repaid from governmental and business-type resources are reported as liabilities in the government-wide statements. The long-term debt consists of general obligation bonds and certificates payable. Long-term debt for governmental funds is not reported as liabilities in the fund financial statements. The debt proceeds are reported as other financing sources and payment of principal and interest are reported as expenditures. The accounting for proprietary funds is the same in the fund statements as it is in the government-wide statements. Net Pension Asset/Liability The net pension asset represents the City’s allocation of its pro-rata share of the Statewide Volunteer Firefighter Fund net pension asset. The net pension liability represents the City’s allocation of its pro-rata share of the Statewide General Employees Retirement Fund net pension liability. PERA For purposes of measuring the net pension liability, deferred outflows/inflows of resources, and pension expense, information about the fiduciary net position of the Public Employees Retirement Association (PERA) and additions to/deductions from PERA’s fiduciary net position have been determined on the same basis as they are reported by PERA, except that PERA’s fiscal year end is June 30. For this purpose, plan contributions are recognized as of employer payroll paid dates and benefit payments, and refunds are recognized when due and payable in accordance with the benefit terms. Investments are reported at fair value. Deferred Outflows/Inflows of Resources In addition to assets, the Statements of Net Position report a separate section for deferred outflows of resources. This element represents a consumption of net position that applies to future periods, and therefore, will not be recognized as an outflow of resources (expense) until that time. The City reports deferred outflows of resources in the government-wide and proprietary fund Statements of Net Position in relation to the activity of the pension funds in which City employees participate. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 33 NOTE 1 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) 1.E. ASSETS, LIABILITIES, DEFERRED OUTFLOWS/INFLOWS OF RESOURCES, AND EQUITY (Continued) In addition to liabilities, the Statements of Net Position and Balance Sheet report a separate section for deferred inflows of resources. This element represents an acquisition of net position or fund balance that applies to future periods, and therefore, will not be recognized as an inflow of resources (revenue) until that time. The City reports property taxes, special assessments, and other receivables as deferred inflows of resources in the governmental fund financial statements, in accordance with the modified accrual basis of accounting. In addition, the City reports deferred inflows of resources in the government-wide and proprietary fund Statements of Net Position in relation to the activity of pension funds in which City employees participate. See Notes 3 and 5 for additional information pertaining to the deferred outflows and deferred inflows recorded to account for pension activities. Compensated Absences It is the City’s policy to permit employees to accumulate a limited amount of earned but unused leave. All leave pay is accrued when incurred in the government-wide and proprietary fund financial statements. A liability for these amounts is reported in governmental funds only if they have matured, for example, as the result of an employee’s resignation or retirement. In the event a liability is recorded in the governmental funds, General Fund resources would be used to liquidate the compensated absences. Equity Classifications Government-wide Statements Equity is classified as net position and displayed in three components: Net Investment in Capital Assets – Consists of capital assets including restricted capital assets, net of accumulated depreciation and reduced by the outstanding balances of any bonds, mortgages, notes or other borrowings that are attributable to the acquisition, construction, or improvement of those assets. Restricted – Consists of net position with constraints placed on the use either by 1) external groups such as creditors, grantors, contributors, or laws or regulations of other governments; or 2) law through constitutional provisions or enabling legislation. Unrestricted – Remaining balance of net position that does not meet the definition of “restricted” or “net investment in capital assets.” It is the City’s policy to consider restricted net position to its depletion before unrestricted net position is applied. Fund Statements Governmental Fund Financial Statements – In the fund financial statements, governmental funds report fund balances as either nonspendable, restricted, committed, assigned, or unassigned. When the City incurs an expenditure for which it may use either restricted or unrestricted fund balances, it uses restricted fund balances first unless unrestricted fund balances will have to be returned because they were not used. When the City incurs an expenditure for purposes for which amounts in any unrestricted fund balance classification could be used, it uses fund balances in the following order: Committed, assigned, unassigned. Nonspendable – Includes amounts that cannot be spent because they are either not in spendable form, or legally or contractually required to be maintained intact. The nonspendable fund balances at December 31, 2021 consist of inventory, prepaid expenditures, and advances to other funds. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 34 NOTE 1 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) 1.E. ASSETS, LIABILITIES, DEFERRED OUTFLOWS/INFLOWS OF RESOURCES, AND EQUITY (Continued) Restricted – Includes the portion of fund balance which is not available for appropriation or which has been legally segregated for a specific purpose. Committed – Amounts that can only be used for specific purposes pursuant to constraints imposed by formal action (resolution) of the City Council, which is the highest level of decision making authority. Committed amounts cannot be used for any other purpose unless the City Council modifies or rescinds the commitment by resolution. Assigned – Amounts that are constrained by the City’s intent to be used for specific purposes, but are neither restricted nor committed. The City Administrator or his/her designee shall have the authority to assign fund balance. Unassigned – This classification represents fund balance that has not been assigned to other funds and that has not been restricted, committed, or assigned to specific purposes within the general fund. The City has formally adopted a policy under which it strives to maintain a minimum unassigned general fund balance equal to approximately 35%-50% of annual General Fund operating expenditures. See Note 2.E. for additional disclosures. Proprietary Fund Financial Statements – Proprietary fund equity is classified the same as in the government-wide statements, as described above. 1.F. REVENUES, EXPENDITURES, AND EXPENSES Property Tax Under state law, municipalities are limited in their ability to levy a property tax. The City levies its property tax for the subsequent year during the month of December. The County of Washington is the collecting agency for the levy and remits the collections to the City. In the fund financial statements, property taxes are recorded as revenue in the period levied to the extent they are collected within 60 days of year-end. December 31 is the last day the City can certify a tax levy to the County for collection the following year. The County creates the tax list for all taxable property in the City and applies the applicable tax rate to the tax capacity of individual properties to arrive at the actual tax for each property. The County also collects all special assessments, except for certain prepayments paid directly to the City. The County collects all taxes and assessments, except as noted above. The County mails copies of all real estate and personal property tax statements. Each year, property owners are required to pay one half of their real estate taxes by May 15 and the balance by October 15. Penalties and interest are assessed to property owners who do not pay their property taxes and special assessments by the due dates. Delinquent taxes receivable include the past six years’ uncollected taxes. Delinquent taxes have been offset by deferred inflows of resources for taxes not received within 60 days after year end in the fund financial statements. Operating Revenues and Expenses Operating revenues and expenses for proprietary funds are those that result from providing services and producing and delivering goods and/or services. It also includes all revenue and expenses not related to capital and noncapital financing or investing activities. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 35 NOTE 1 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) 1.F. REVENUES, EXPENDITURES, AND EXPENSES (Continued) Expenditures/Expenses In the government-wide financial statements, expenses are classified by function for both governmental and business-type activities. In the fund financial statements, expenditures are classified as follows: Governmental Funds – By Character Current (further classified by Function) Debt Service Capital Outlay Proprietary Fund – By Operating and Nonoperating In the fund financial statements, governmental funds report expenditures of financial resources. Proprietary funds report expenses relating to use of economic resources. Interfund Transfers Permanent reallocations of resources between funds of the reporting entity are classified as interfund transfers. For the purpose of the Statement of Activities, all interfund transfers between individual governmental funds, as well as all interfund transfers between individual proprietary funds, have been eliminated. See additional information at Note 2.D. NOTE 2 DETAIL NOTES ON TRANSACTION CLASSES/ACCOUNTS The following notes present detail information to support the amounts reported in the basic financial statements for its various assets, liabilities, deferred outflows/inflows of resources, equity, revenues, and expenditures/expenses. 2.A. CASH, CASH EQUIVALENTS, AND INVESTMENTS Deposits In accordance with applicable Minnesota Statutes, the City maintains deposits at depository banks authorized by the City Council. Minnesota Statutes require that all City deposits be protected by insurance, surety bond, or collateral. The market value of collateral pledged must equal 110 percent of the deposits not covered by insurance or bonds. The City complies with such laws. Authorized collateral in lieu of a corporate surety bond includes:  United States Government Treasury bills, Treasury notes, Treasury bonds;  Issues of United States government agencies and instrumentalities as quoted by a recognized industry quotation service available to the government entity; CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 36 NOTE 2 DETAIL NOTES ON TRANSACTION CLASSES/ACCOUNTS (Continued) 2.A. CASH, CASH EQUIVALENTS, AND INVESTMENTS (Continued)  A general obligation of a state or local government, with taxing powers, rated “A” or better;  A revenue obligation of a state or local government, with taxing powers, rated “AA” or better;  Unrated general obligation securities of a local government, with taxing powers, pledged as collateral against funds deposited by that same local government entity;  Irrevocable standby letter of credit issued by a Federal Home Loan Bank accompanied by written evidence that the Federal Home Loan Bank’s public debt is rated “AA” or better by Moody’s or Standard and Poor’s; or  Time deposits insured by any federal agency. Minnesota Statutes require that all collateral shall be placed in safekeeping in a restricted account at a Federal Reserve Bank, or in an account at a trust department of a commercial bank or other financial institution that is not owned or controlled by the financial institution furnishing the collateral. The selection should be approved by the City. At December 31, 2021, the City’s deposits were not exposed to custodial credit risk. The City’s deposits were sufficiently covered by federal depository insurance or by collateral held by the City’s agent in the City’s name. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 37 NOTE 2 DETAIL NOTES ON TRANSACTION CLASSES/ACCOUNTS (Continued) 2.B. CAPITAL ASSETS Capital asset activity for the year ended December 31, 2021 is as follows: Balance at Balance at 01/01/21 Additions Disposals Transfers 12/31/21 Governmental Activities: Capital Assets not Being Depreciated Land 487,735$ -$ -$ -$ 487,735$ Construction In Progress 37,962 826,944 - (840,196) 24,710 Total Capital Assets not Being Depreciated 525,697 826,944 - (840,196) 512,445 Capital Assets Being Depreciated Buildings 2,394,353 - - 2,394,353 Equipment 1,346,940 166,652 (85,755) - 1,427,837 Vehicles 1,533,253 28,630 (23,167) - 1,538,716 Infrastructure 16,038,834 226,122 - 840,196 17,105,152 Other Improvements 222,030 - - - 222,030 Total Capital Assets Being Depreciated 21,535,410 421,404 (108,922) 840,196 22,688,088 Less: Accumulated Depreciation Buildings (1,162,132) (54,047) - - (1,216,179) Equipment (757,193) (98,662) 85,755 - (770,100) Vehicles (788,059) (70,023) 23,167 - (834,915) Infrastructure (5,035,296) (406,580) - - (5,441,876) Other Improvements (128,894) (9,562) - - (138,456) Total Accumulated Depreciation (7,871,574) (638,874) 108,922 - (8,401,526) Total Capital Assets Being Depreciated, Net 13,663,836 (217,470) - 840,196 14,286,562 Capital Assets, Net 14,189,533$ 609,474$ -$ -$ 14,799,007$ Depreciation is charged to governmental activities as follows: General Government 25,112$ Public Safety 72,416 Public Works 523,465 Parks and Recreation 17,881 Total Depreciation Expense 638,874$ CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 38 NOTE 2 DETAIL NOTES ON TRANSACTION CLASSES/ACCOUNTS (Continued) 2.B. CAPITAL ASSETS (Continued) Balance at Balance at 01/01/21 Additions Disposals Transfers 12/31/21 Business-Type Activities: Capital Assets Being Depreciated Sewer Plant 1,500,000$ -$ -$ -$ 1,500,000$ Equipment 269,734 5,690 - - 275,424 Uptown Sewer 243,827 - - - 243,827 Total Capital Assets Being Depreciated 2,013,561 5,690 - - 2,019,251 Less: Accumulated Depreciation Sewer Plant (930,000) (30,000) - - (960,000) Equipment (51,679) (18,668) - - (70,347) Uptown Sewer (72,951) (4,875) - - (77,826) Total Accumulated Depreciation (1,054,630) (53,543) - - (1,108,173) Business-Type Activities 958,931$ (47,853)$ -$ -$ 911,078$ 2.C. NONCURRENT LIABILITIES The City’s long-term debt is segregated between the amounts to be repaid from governmental activities and amounts to be repaid from business-type activities (none). All bonds and certificates set forth below are direct obligations of the City and pledge the full faith and credit of the City. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 39 NOTE 2 DETAIL NOTES ON TRANSACTION CLASSES/ACCOUNTS (Continued) 2.C. NONCURRENT LIABILITIES (Continued) Debt Detail As of December 31, 2021, the long-term debt of the financial reporting entity consists of the following: Governmental Activities Issue Annual Interest Maturity Original Remaining Type of Debt Date Payment Rate(s)Date Amount Amount 2013 Equipment Certificate 7/13 $50,000 - $65,000 0.80-3.10% 7/23 570,000$ 120,000$ 2017 Equipment Certificate 8/17 $32,000 2.35-2.75% 8/22 160,000 32,000 Total Equipment Certificates Payable 152,000 Equipment Certificates Due Within One Year 92,000 Equipment Certificates Due After One Year 60,000$ Equipment Certificates Issue Annual Interest Maturity Original Remaining Type of Debt Date Payment Rate(s)Date Amount Amount G.O. Bonds, Series 2018A 5/18 $155,000 - $315,000 3.00-3.13% 12/33 3,835,000$ 3,245,000$ Bonds Due Within One Year 230,000 Bonds Due After One Year 3,015,000$ General Obligation Bonds Changes in Noncurrent Liabilities The following is a summary of changes in noncurrent liabilities, excluding net pension liability, for the year ended December 31, 2021: Amounts Due Balance Balance Within Type of Debt 1/1/21 Additions Deductions 12/31/21 One Year Governmental Activities: Bonds 3,465,000$ -$ (220,000)$ 3,245,000$ 230,000$ Unamortized Bond Premium 48,461 - (3,728) 44,733 - Equipment Certificates 244,000 - (92,000) 152,000 92,000 Compensated Absences 38,228 38,114 (37,585) 38,757 38,757 Total 3,795,689$ 38,114$ (353,313)$ 3,480,490$ 360,757$ Interest and other fiscal charges total $108,153 in the Statement of Activities (included in Debt Service line). Interest and other fiscal charges total $115,018 for the Statement of Revenues, Expenditures and Changes in Fund Balances – Governmental Funds (included in the line Interest and Other Charges). CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 40 NOTE 2 DETAIL NOTES ON TRANSACTION CLASSES/ACCOUNTS (Continued) 2.C. NONCURRENT LIABILITIES (Continued) Governmental activity debt is typically funded through the Debt Service Fund. Compensated absences is funded through the funds to which the respective employees’ wages are allocated. Annual Debt Service Requirements At December 31, 2021, the estimated annual debt service requirements to maturity, including principal and interest, are as follows: Years Ending December 31, Principal Interest Total 2022 322,000$ 101,795$ 423,795$ 2023 295,000 92,155 387,155 2024 245,000 84,175 329,175 2025 250,000 76,825 326,825 2026 255,000 69,325 324,325 2027-2031 1,410,000 226,325 1,636,325 2032-2033 620,000 29,219 649,219 Totals 3,397,000$ 679,819$ 4,076,819$ Governmental Activities 2.D. INTERFUND TRANSACTIONS AND BALANCES Operating transfers consist of the following for the year ended December 31, 2021: Nonmajor Funds Transfers Capital Local Road Major Funds Out Improvement Improvement Governmental Total General 282,690$ 200,000$ 80,000$ 2,690$ 282,690$ Major Funds Transfers In Transfers are used to (a) move revenues from the fund that statute or budget requires to collect them to the fund that statute or budget require to expend them and to (b) use unrestricted revenues collected in the General Fund to finance various programs accounted for in other funds in accordance with budgetary authorizations. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 41 NOTE 2 DETAIL NOTES ON TRANSACTION CLASSES/ACCOUNTS (Continued) 2.D. INTERFUND TRANSACTIONS AND BALANCES (Continued) The interfund balances are as follows: Due To Fund Due From Fund Amount Reason Capital Improvement Uptown Sewer 15,828$ Sewer improvements Capital Improvement Park Capital Improvement 8,000 Lilleskogen Park improvements Capital Improvement General Fund 24,000 Community Center LED lighting improv. Governmental Funds Advances To/From 47,828$ Governmental Fund Elimination (32,000) Government-wide Internal Balances 15,828$ Long-Term Advances The Uptown Sewer Fund monies owed to the Capital Improvement Fund will be repaid as future sewer charges are collected and the cash flows become available. The Park Capital Improvement Fund monies owed to the Capital Improvement Fund will be repaid as park dedication fees and donations are received. The General Fund monies owed to the Capital Improvement Fund will be repaid via an annual payment of $3,000 per year. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 42 NOTE 2 DETAIL NOTES ON TRANSACTION CLASSES/ACCOUNTS (Continued) 2.E. FUND EQUITY At December 31, 2021, governmental fund equity consists of the following: General Fund Nonspendable - Prepaids and Inventory 19,622$ Unassigned 1,330,672 Total General Fund Balance 1,350,294$ Capital Improvement Fund Nonspendable - Advance to Other Fund 47,828$ Committed for Capital Improvements 588,076 Total Capital Improvement Fund 635,904$ Local Road Improvement Fund Assigned for Local Road Improvements 1,252,549$ Debt Service Fund Restricted for Debt Service 45,963$ Nonmajor Governmental Funds Nonspendable - Prepaids 295$ Restricted for COVID Relief 228,181 Restricted for Trail Development 175 Committed for Economic Development 29,044 Committed for Park Improvements 140,216 Committed for Equipment Replacement 89,927 Assigned for Cable TV 39,473 Assigned for Equipment Replacement 226,506 Total Nonmajor Governmental Funds Balance 753,817$ CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 43 NOTE 3 DEFINED BENEFIT PENSION PLANS - STATEWIDE Plan Description The City participates in the following cost-sharing multiple-employer defined benefit pension plans administered by the Public Employees Retirement Association of Minnesota (PERA). PERA’s defined benefit pension plans are established and administered in accordance with Minnesota Statutes Chapters 353 and 356. PERA’s defined benefit pension plans are tax qualified plans under Section 401(a) of the Internal Revenue Code. General Employees Retirement Plan All full-time and certain part-time employees of the City are covered by the General Employees Plan. General Employees Plan members belong to the Coordinated Plan. Coordinated Plan members are covered by Social Security. Public Employees Police and Fire Plan The Police and Fire Plan, originally established for police officers and firefighters not covered by a local relief association, now covers all police officers and firefighters hired since 1980. Effective July 1, 1999, the Police and Fire Plan also covers police officers and firefighters belonging to local relief associations that elected to merge with and transfer assets and administration to PERA. Benefits Provided PERA provides retirement, disability, and death benefits. Benefit provisions are established by State Statute and can only be modified by the State Legislature. Vested terminated employees who are entitled to benefits, but are not receiving them yet, are bound by the provisions in effect at the time they last terminated their public service. General Employees Plan Benefits General Employees Plan benefits are based on a member’s highest average salary for any five successive years of allowable service, age, and years of credit at termination of service. Two methods are used to compute benefits for PERA's Coordinated Plan members. Members hired prior to July 1, 1989, receive the higher of Method 1 or Method 2 formulas. Only Method 2 is used for members hired after June 30, 1989. Under Method 1, the accrual rate for Coordinated members is 1.2 percent for each of the first 10 years of service and 1.7 percent for each additional year. Under Method 2, the accrual rate for Coordinated members is 1.7 percent for all years of service. For members hired prior to July 1, 1989, a full annuity is available when age plus years of service equal 90 and normal retirement age is 65. For members hired on or after July 1, 1989, normal retirement age is the age for unreduced Social Security benefits capped at 66. Benefit increases are provided to benefit recipients each January. The postretirement increase is equal to 50 percent of the cost-of- living adjustment (COLA) announced by the SSA, with a minimum increase of at least 1 percent and a maximum of 1.5 percent. Recipients that have been receiving the annuity or benefit for at least a full year as of the June 30 before the effective date of the increase will receive the full increase. Recipients receiving the annuity or benefit for at least one month but less than a full year as of the June 30 before the effective date of the increase will receive a reduced prorated increase. For members retiring on January 1, 2024, or later, the increase will be delayed until normal retirement age (age 65 if hired prior to July 1, 1989, or age 66 for individuals hired on or after July 1, 1989). Members retiring under Rule of 90 are exempt from the delay to normal retirement. Police and Fire Plan Benefits Benefits for Police and Fire Plan members first hired after June 30, 2010, but before July 1, 2014, vest on a prorated basis from 50 percent after five years up to 100 percent after ten years of credited service. Benefits for Police and Fire Plan members first hired after June 30, 2014, vest on a prorated basis from 50 percent after ten years up to 100 percent after twenty years of credited service. The annuity accrual rate is 3 percent of average salary for each year of service. For Police and Fire Plan members who were first hired prior to July 1, 1989, a full annuity is available when age plus years of service equal at least 90. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 44 NOTE 3 DEFINED BENEFIT PENSION PLANS - STATEWIDE (Continued) Benefit increases are provided to benefit recipients each January. The postretirement increase is fixed at 1 percent. Recipients that have been receiving the annuity or benefit for at least 36 months as of the June 30 before the effective date of the increase will receive the full increase. Recipients receiving the annuity or benefit for at least 25 months but less than 36 months as of the June 30 before the effective date of the increase will receive a reduced prorated increase. Contributions Minnesota Statutes Chapter 353 sets the rates for employer and employee contributions. Contribution rates can only be modified by the State Legislature. General Employees Fund Contributions Coordinated Plan members were required to contribute 6.50 percent of their annual covered salary in fiscal year 2021 and the City was required to contribute 7.50 percent for Coordinated Plan members. The City’s contributions to the General Employees Fund for the year ended December 31, 2021, were $31,626. The City’s contributions were equal to the required contributions as set by State Statute. Police and Fire Fund Contributions Police and Fire Plan members were required to contribute 11.80 percent of their annual covered salary in fiscal year 2021 and the City was required to contribute 17.70 percent for Police and Fire Plan members. The City’s contributions to the Police and Fire Fund for the year ended December 31, 2021, were $7,854. The City’s contributions were equal to the required contributions as set by State Statute. Pension Costs General Employees Fund Pension Costs At December 31, 2021, the City reported a liability of $256,227 for its proportionate share of the General Employees Fund’s net pension liability. The City’s net pension liability reflected a reduction due to the State of Minnesota’s contribution of $16 million. The State of Minnesota is considered a non-employer contributing entity and the State’s contribution meets the definition of a special funding situation. The State of Minnesota’s proportionate share of the net pension liability associated with the City totaled $7,846. The net pension liability was measured as of June 30, 2021, and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The City’s proportionate share of the net pension liability was based on the City’s contributions received by PERA during the measurement period for employer payroll paid dates from July 1, 2020 through June 30, 2021, relative to the total employer contributions received from all of PERA’s participating employers. The City’s proportionate share was 0.0060 percent at the end of the measurement period and 0.0056 percent for the beginning of the period. City’s proportionate share of the net pension liability: $256,227 State of Minnesota’s proportionate share of the net pension liability associated with the City 7,846 Total $264,073 For the year ended December 31, 2021, the City recognized pension expense of $27,522 for its proportionate share of the General Employees Plan’s pension expense. In addition, the City recognized an additional $633 as pension expense (and grant revenue) for its proportionate share of the State of Minnesota’s contribution of $16 million to the General Employees Fund. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 45 NOTE 3 DEFINED BENEFIT PENSION PLANS - STATEWIDE (Continued) At December 31, 2021, the City reported its proportionate share of the General Employees Plan’s deferred outflows of resources and deferred inflows of resources related to pensions from the following sources: Deferred Outflows of Deferred Inflows of Resources Resources Differences between expected and actual economic experience 1,469$ 7,781$ Changes in actuarial assumptions 156,447 5,290 Difference between projected and actual investment earnings - 223,365 Changes in proportionate share 17,986 1,387 Contributions paid to PERA subsequent to the measurement date 17,232 - Total Deferred Outflows/Inflows 193,134$ 237,823$ The $17,232 reported as deferred outflows of resources related to pensions resulting from City contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ended December 31, 2022. Other amounts reported as deferred outflows and deferred inflows of resources related to pensions will be recognized in pension expense as follows: Year ended December 31: Pension Expense 2022 (6,508)$ 2023 1,692$ 2024 3,420$ 2025 (60,525)$ Police and Fire Fund Pension Costs At December 31, 2021, the City reported a liability of $30,104 for its proportionate share of the Police and Fire Fund’s net pension liability. The net pension liability was measured as of June 30, 2021, and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. The City’s proportionate share of the net pension liability was based on the City’s contributions received by PERA during the measurement period for employer payroll paid dates from July 1, 2020 through June 30, 2021, relative to the total employer contributions received from all of PERA’s participating employers. The City’s proportionate share was 0.0039 percent at the end of the measurement period and 0.0058 percent for the beginning of the period. The State of Minnesota contributed $18 million to the Police and Fire Fund in the plan fiscal year ended June 30, 2021. The contribution consisted of $9 million in direct state aid that does meet the definition of a special funding situation and $9 million in supplemental state aid that does not meet the definition of a special funding situation. The $9 million direct state was paid on October 1, 2020. Thereafter, by October 1 of each year, the state will pay $9 million to the Police and Fire Fund until full funding is reached or July 1, 2048, whichever is earlier. The $9 million in supplemental state aid will continue until the fund is 90 percent funded, or until the State Patrol Plan (administered by the Minnesota State Retirement System) is 90 percent funded, whichever occurs later. Strong asset returns for the fiscal year ended 2021 will accelerate the phasing out of these state contributions, although we do not anticipate them to be phased out during the fiscal year ending 2022. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 46 NOTE 3 DEFINED BENEFIT PENSION PLANS - STATEWIDE (Continued) The State of Minnesota is included as a non-employer contributing entity in the Police and Fire Retirement Plan Schedule of Employer Allocations and Schedule of Pension Amounts by Employer, Current Reporting Period Only (pension allocation schedules) for the $9 million in direct state aid. Police and Fire Plan employers need to recognize their proportionate share of the State of Minnesota’s pension expense (and grant revenue) under GASB 68 special funding situation accounting and financial reporting requirements. For the year ended June 30, 2021, the City recognized pension expense of negative $2,676 for its proportionate share of the Police and Fire Plan’s pension expense. The City recognized $248 as grant revenue for its proportionate share of the State of Minnesota’s pension expense for the contribution of $9 million to the Police and Fire Fund. The State of Minnesota is not included as a non-employer contributing entity in the Police and Fire Pension Plan pension allocation schedules for the $9 million in supplemental state aid. The City recognized $351 for the year ended December 31, 2021 as revenue and an offsetting reduction of net pension liability for its proportionate share of the State of Minnesota’s on-behalf contributions to the Police and Fire Fund. City’s proportionate share of the net pension liability: $30,104 State of Minnesota’s proportionate share of the net pension liability associated with the City 1,362 Total $31,466 At December 31, 2021, the City reported its proportionate share of the Police and Fire Plan’s deferred outflows of resources and deferred inflows of resources related to pensions from the following sources: Deferred Outflows of Deferred Inflows of Resources Resources Differences between expected and actual economic experience 5,359$ -$ Changes in actuarial assumptions 44,245 959 Difference between projected and actual investment earnings - 52,753 Changes in proportionate share 41,165 20,871 Contributions paid to PERA subsequent to the measurement date 4,101 - Total Deferred Outflows/Inflows 94,870$ 74,583$ The $4,101 reported as deferred outflows of resources related to pensions resulting from the City contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ended December 31, 2022. Other amounts reported as deferred outflows and inflows of resources related to pensions will be recognized in pension expense as follows: Year ended December 31: Pension Expense 2022 3,496$ 2023 3,496$ 2024 3,496$ 2025 186$ 2026 5,512$ CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 47 NOTE 3 DEFINED BENEFIT PENSION PLANS - STATEWIDE (Continued) Long-Term Expected Return on Investment The State Board of Investment, which manages the investments of PERA, prepares an analysis of the reasonableness on a regular basis of the long-term expected rate of return using a building-block method in which best-estimate ranges of expected future rates of return are developed for each major asset class. These ranges are combined to produce an expected long-term rate of return by weighting the expected future rates of return by the target asset allocation percentages. The target allocation and best estimates of geometric real rates of return for each major asset class are summarized in the following table: Asset Class Target Allocation Long-Term Expected Real Rate of Return Domestic Stocks 33.5% 5.10% International Equity 16.5% 5.30% Fixed Income 25.0% 0.75% Private Markets 25.0% 5.90% Total 100% Actuarial Methods and Assumptions The total pension liability in the June 30, 2021 actuarial valuation was determined using an individual entry-age normal actuarial cost method. The long-term rate of return on pension plan investments used in the determination of the total liability is 6.50 percent. This assumption is based on a review of inflation and investments return assumptions from a number of national investment consulting firms. The review provided a range of return investment return rates deemed to be reasonable by the actuary. An investment return of 6.50 percent was deemed to be within that range of reasonableness for financial reporting purposes. Inflation is assumed to be 2.25 percent for the General Employees Plan and Police and Fire Plan. Benefit increases after retirement are assumed to be 1.25 percent for the General Employees Plan. The Police and Fire Plan benefit increase is fixed at 1 percent per year and that increase was used in the valuation. Salary growth assumptions in the General Employees Plan range in annual increments from 10.25 percent after one year of service to 3.0 percent after 29 years of service and 6.0 percent per year thereafter. In the Police and Fire Plan, salary growth assumptions range from 11.75 percent after one year of service to 3.0 percent after 24 years of service. Mortality rates for the General Employees Plan are based on the Pub-2010 General Employee Mortality Table. Mortality rates for the Police and Fire Plan are based on the Pub-2010 Public Safety Employee Mortality tables. The tables are adjusted slightly to fit PERA’s experience. Actuarial assumptions for the General Employees Plan are reviewed every four years. The most recent four-year experience study for the General Employees Plan was completed in 2019. The assumption changes were adopted by the Board and became effective with the July 1, 2020 actuarial valuation. The most recent four-year experience studies for the Police and Fire Plan were completed in 2020 were adopted by the Board and became effective with the July 1, 2021 actuarial valuation. The following changes in actuarial assumptions and plan provisions occurred in 2021: General Employees Fund Changes in Actuarial Assumptions:  The investment return and single discount rates were changed from 7.50 percent to 6.50 percent, for financial reporting purposes.  The mortality improvement scale was changed from Scale MP-2019 to Scale MP-2020. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 48 NOTE 3 DEFINED BENEFIT PENSION PLANS - STATEWIDE (Continued) Changes in Plan Provisions:  There were no changes in plan provisions since the previous valuation. Police and Fire Fund Changes in Actuarial Assumptions:  The investment return and single discount rates were changed from 7.50 percent to 6.50 percent, for financial reporting purposes.  The inflation assumption was changed from 2.50 percent to 2.25 percent.  The payroll growth assumption was changed from 3.25 percent to 3.00 percent.  The base mortality table for healthy annuitants and employees was changed from the RP-2014 table to the Pub-2010 Public Safety Mortality table. The mortality improvement scale was changed from MP-2019 to MN-2020.  The base mortality table for disabled annuitants was changed from the RP-2014 healthy annuitant mortality table (with future mortality improvement according to Scale MP-2019) to the Pub-2010 Public Safety disabled annuitant mortality table (with future mortality improvement according to Scale MP-2020).  Assumed rates of salary increase were modified as recommended in the July 14, 2020 experience study. The overall impact is a decrease in gross salary increase rates.  Assumed rates of retirement were changed as recommended in the July 14, 2020 experience study. The changes result in slightly more unreduced retirements and fewer assumed early retirements.  Assumed rates of withdrawal were changed from select and ultimate rates to service-based rates. The changes result in more assumed terminations.  Assumed rates of disability were increased for ages 25-44 and decreased for ages over 49. Overall, proposed rates result in more projected disabilities.  Assumed percent married for active female members was changed from 60 percent to 70 percent. Minor changes to form of payment assumptions were applied. Changes in Plan Provisions:  There were no changes in plan provisions since the previous valuation. Discount Rate The discount rate used to measure the total pension liability in 2021 was 6.50 percent. The projection of cash flows used to determine the discount rate assumed that contributions from plan members and employers will be made at rates set in Minnesota Statutes. Based on these assumptions, the fiduciary net position of the General Employees Fund and the Police and Fire Fund were projected to be available to make all projected future benefit payments of current plan members. Therefore, the long-term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to determine the total pension liability. Pension Liability Sensitivity The following presents the City’s proportionate share of the net pension liability for all plans it participates in, calculated using the discount rate disclosed in the preceding paragraph, as well as what the City’s proportionate share of the net pension liability would be if it were calculated using a discount rate one percentage point lower or one percentage point higher than the current discount rate: CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 49 NOTE 3 DEFINED BENEFIT PENSION PLANS - STATEWIDE (Continued) 5.50% $ 522,572 5.50% 95,575$ 6.50% 256,227$ 6.50%30,104$ 7.50%37,674$ 7.50%(23,566)$ 1% Increase in Discount Rate Current Discount Rate 1% Decrease in Discount Rate Sensitivity Analysis General Employees Fund Police and Fire Fund Pension Plan Fiduciary Net Position Detailed information about each pension plan’s fiduciary net position is available in a separately-issued PERA financial report that includes financial statements and required supplementary information. That report may be obtained on the Internet at www.mnpera.org. NOTE 4 DEFINED CONTRIBUTION PENSION PLAN - STATEWIDE The council members of the City of Scandia are covered by the Defined Contribution Plan, a multiple-employer deferred compensation plan administered by PERA. The Defined Contribution Plan is a tax qualified plan under Section 401(a) of the Internal Revenue Code and all contributions by or on behalf of employees are tax deferred until time of withdrawal. Plan benefits depend solely on amounts contributed to the plan plus investment earnings, less administrative expenses. Minnesota Statutes, Chapter 353D.03, specifies plan provisions, including the employee and employer contribution rates for those qualified personnel who elect to participate. An eligible elected official who decides to participate contributes five percent of salary which is matched by the elected official's employer. For ambulance service personnel, employer contributions are determined by the employer, and for salaried employees contributions must be a fixed percentage of salary. Employer contributions for volunteer personnel may be a unit value for each call or period of alert duty. Employees who are paid for their services may elect to make member contributions in an amount not to exceed the employer share. Employer and employee contributions are combined and used to purchase shares in one or more of the seven accounts of the Minnesota Supplemental Investment Fund. For administering the plan, PERA receives two percent of employer contributions and twenty-five hundredths of one percent (0.25 percent) of the assets in each member's account annually. Total contributions made by the City during fiscal year 2021 were: Contribution Amounts Percentage of Covered Payroll Required Employee Employer Employee Employer Rate $726 $726 5% 5% 5% NOTE 5 STATEWIDE VOLUNTEER FIREFIGHTER RETIREMENT PLAN Plan Description The Scandia Fire/Rescue participates in the Statewide Volunteer Firefighter Retirement Plan (accounted for in the Volunteer Firefighter Fund), an agent multiple-employer lump-sum defined benefit pension plan administered by the Public Employees Retirement Association of Minnesota (PERA). The Volunteer Firefighter Plan covers volunteer firefighters of municipal fire departments or independent nonprofit firefighting corporations that have elected to join the plan. As of December 31, 2021, the plan covered 22 active firefighters and 5 vested terminated firefighters whose pension benefits are deferred. The plan is established and administered in accordance with Minnesota Statutes, Chapter 353 G. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 50 NOTE 5 STATEWIDE VOLUNTEER FIREFIGHTER RETIREMENT PLAN (Continued) Benefits Provided The Volunteer Firefighter Plan provides retirement, death, and supplemental benefits to covered firefighters and survivors. Benefits are paid based on the number of years of service multiplied by a benefit level approved by the City. Members are eligible for a lump-sum retirement benefit at 50 years of age with five years of service. Plan provisions include a pro-rated vesting schedule that increases from 5 years at 40 percent through 20 years at 100 percent. Contributions The Volunteer Firefighter Plan is funded by fire state aid, investment earnings and, if necessary, employer contributions as specified in Minnesota Statutes, and voluntary City contributions. The State of Minnesota contributed $37,484 in fire state aid to the fund for the year ended December 31, 2021. Required employer contributions are calculated annually based on statutory provisions. The City of Scandia’s statutorily-required contributions to the Volunteer Firefighter Fund for the year ended December 31, 2021 were $0. Pension Costs At December 31, 2021, the City of Scandia reported a net pension asset of $189,569 for the Volunteer Firefighter Fund. The net pension asset was measured as of December 31, 2020. The total pension liability used to calculate the net pension asset in accordance with GASB 68 was determined by PERA applying an actuarial formula to specific census data certified by the fire department. The following table presents the changes in net pension asset during the year. Total Pension Plan Fiduciary Net Pension Liability Net Position Liability (Asset) Beginning Balance 12/31/19 659,574$ 752,345$ (92,771)$ Service Cost 29,799 - 29,799 Interest on Pension Liability 41,362 - 41,362 Actuarial Experience (Gains)/Losses (18,142) - (18,142) Projected Investment Earnings - 113,188 (113,188) Contributions (State) - 37,484 (37,484) PERA Administrative Fee - (810) 810 SBI Investment Fee - (45) 45 Net Changes 53,019 149,817 (96,798) Balance End of Year 12/31/20 712,593$ 902,162$ (189,569)$ For the year ended December 31, 2021, the City recognized pension expense of negative $58,382. At December 31, 2021, the City of Scandia reported deferred inflows of resources related to pensions from the following sources: CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 51 NOTE 5 STATEWIDE VOLUNTEER FIREFIGHTER RETIREMENT PLAN (Continued) Deferred Outflows of Deferred Inflows of Resources Resources Differences between expected and actual economic experience -$ 37,826$ Difference between projected and actual investment earnings - 82,046 Total Deferred Outflows/Inflows -$ 119,872$ Amounts reported as deferred outflows and inflows of resources related to pensions will be recognized in pension expense as follows: Year ended December 31: Pension Expense 2022 (43,628)$ 2023 (24,725)$ 2024 (34,280)$ 2025 (17,239)$ Actuarial Assumptions The total pension liability at December 31, 2021, was determined using the entry age normal actuarial cost method and the following actuarial assumptions:  Retirement eligibility at the later of age 50 or 20 years of service  Investment rate of return of 6.0 percent  Inflation rate of 3.0 percent No changes in actuarial assumptions were made during the measurement period. Discount Rate The discount rate used to measure the total pension liability was six percent. The projection of cash flows used to determine the discount rate assumed that contributions to the Volunteer Firefighter Fund will be made as specified in statute. Based on that assumption and considering the funding ratio of the plan, the fiduciary net position was projected to be available to make all projected future benefit payments of current active and inactive members. Therefore, the long-term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to determine the total pension liability. Pension Liability Sensitivity The following presents the City’s net pension asset for the Volunteer Firefighter Fund, calculated using the assumed discount rate as well as what the City’s net pension asset would be if it were calculated using a discount rate one percent lower or one percent higher than the current discount rate: 1% Decrease in 1% Increase in Discount Rate (5.0%)Discount Rate (6.0%)Discount Rate (7.0%) Net Pension Asset 174,973$ 189,569$ 203,532$ CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 52 NOTE 5 STATEWIDE VOLUNTEER FIREFIGHTER RETIREMENT PLAN (Continued) Plan Investments Investment Policy The Minnesota State Board of Investment (SBI) is established by Article XI of the Minnesota Constitution to invest all state funds. Its membership as specified in the Constitution is comprised of the governor (who is designated as chair of the board), state auditor, secretary of state and state attorney general. All investments undertaken by the SBI are governed by the prudent person rule and other standards codified in Minnesota Statutes, Chapter 11A and Chapter 353G. Within the requirements defined by state law, the SBI, with assistance of the SBI staff and the Investment Advisory Council, establishes investment policy for all funds under its control. These investments policies are tailored to the particular needs of each fund and specify investment objectives, risk tolerance, asset allocation, investment management structure and specific performance standards. Studies guide the on-going management of the funds and are updated periodically. Asset Allocation To match the long-term nature of the pension obligations, the SBI maintains a strategic asset allocation for the Volunteer Firefighter Plan that includes allocations to domestic equity, international equity, bonds and cash equivalents. The long-term target asset allocation and long-term expected real rate of return is the following: Long-Term Expected Asset Class Target Allocation Real Rate of Return Domestic Stocks 35% 5.10% International Stocks 15% 5.30% Bonds 45% 0.75% Unallocated Cash 5% 0.00% The six percent long-term expected rate of return on pension plan investments was determined using a building-block method. Best estimates for expected future real rates of return (expected returns, net of inflation) were developed for each asset class using both long-term historical returns and long-term capital market expectations from a number of investment management and consulting organizations. The asset class estimates and the target allocations were then combined to produce a geometric, long- term expected real rate of return for the portfolio. Inflation expectations were applied to derive the nominal rate of return for the portfolio. Description of significant investment policy changes during the year The SBI made no significant changes to their investment policy during fiscal year 2020 for Volunteer Firefighter Fund. Pension Plan Fiduciary Net Position Detailed information about the Volunteer Firefighter Fund’s fiduciary net position as of December 31, 2020, is available in a separately-issued PERA financial report that includes financial statements and required supplementary information. That report may be obtained at www.mnpera.org. CITY OF SCANDIA, MINNESOTA NOTES TO THE BASIC FINANCIAL STATEMENTS DECEMBER 31, 2021 53 NOTE 6 OTHER NOTES 6.A. RISK MANAGEMENT Claims and Judgements The City 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. To manage these risks, the City purchases commercial insurance. The City retains risk for the deductible portions of the insurance. The amounts of these deductibles are considered immaterial to the financial statements. There were no significant reductions in insurance from the previous year settlements in excess of insurance for any of the past two years. Liabilities are reported when it is probable that a loss has occurred and the amount of the loss can be reasonably estimated. Liabilities, if any, include an amount for claims that have been incurred but not reported (IBNRs). The City’s management is not aware of any incurred but unreported claims. Public Health Emergency On January 30, 2020, the World Health Organization declared the coronavirus outbreak a “Public Health Emergency of International Concern” and on March 10, 2020, declared it to be a pandemic. Actions taken around the world to help mitigate the spread of the coronavirus include restrictions on travel, and quarantines in certain areas, and forced closures for certain types of public places and businesses. The coronavirus and actions taken to mitigate it have had and are expected to continue to have an adverse impact on the economies and financial markets of many countries, including the geographical area in which the City operates. While it is unknown how long these conditions will last and what the complete financial effect will be to the City, to date, the City has not experienced any significant negative effects on its operations. 6.B. COMMITMENTS Law Enforcement Services The City receives law enforcement services under an agreement with Washington County. Such agreement automatically renews on an annual basis and calls for the City to compensate the County based on the actual costs incurred while providing services under the agreement. Based on the 2022 contract budget, expenditures anticipated under this agreement for 2022 are estimated at $150,414. 6.C. NEW ACCOUNTING STANDARDS In June 2017, the Government Accounting Standards Board (GASB) issued Statement No. 87, Leases. GASB Statement No. 87 (GASB 87) increases the usefulness of governmental financial statements by requiring recognition of certain lease assets and liabilities for all leases, including those that previously were classified as operating leases and recognized as income by lessors and expenditures by lessees. GASB 87 replaces the previous lease accounting methodology and establishes a single model for lease accounting based on the foundational principle that leases are a financing of the right to use an underlying asset. GASB 87 will be effective for the City’s year ended December 31, 2022. The effect on net position will likely be significant 6.D. SUBSEQUENT EVENTS Construction Projects Subsequent to year-end and prior to issuance of these financial statements, the City approved a contract for the 2022 Street Improvement Project at an approximate cost of $453,894.   54 REQUIRED SUPPLEMENTARY INFORMATION CITY OF SCANDIA, MINNESOTA BUDGETARY COMPARISON SCHEDULE – GENERAL FUND FOR THE YEAR ENDED DECEMBER 31, 2021 55 Budget Actual Variance with Amounts- Amounts Budget Original and Budgetary Over Final Basis (Under) REVENUES Taxes Property Taxes 1,388,700$ 1,394,586$ 5,886$ Franchise Taxes 6,000 6,965 965 Gravel Tax 10,000 30,710 20,710 Total Taxes 1,404,700 1,432,261 27,561 Licenses and Permits 108,400 215,320 106,920 Intergovernmental Revenue State Revenue Market Value Credit 13,000 13,806 806 Police and Fire Aid 33,700 39,178 5,478 Other State Grants and Aids 14,200 4,534 (9,666) County Revenue Other County Grants and Aids 8,000 13,062 5,062 Total Intergovernmental Revenue 68,900 70,580 1,680 Charges for Services General Government 16,200 18,156 1,956 Police and Fire Contracts 36,800 30,710 (6,090) Streets and Highways 2,600 6,182 3,582 Parks and Recreation 3,000 8,033 5,033 Total Charges for Services 58,600 63,081 4,481 Fines and Forfeitures 8,100 6,899 (1,201) Miscellaneous Revenue Investment Earnings 17,900 3,133 (14,767) Refunds and Reimbursements - 24,432 24,432 Contributions and Donations 5,000 8,936 3,936 Other Miscellaneous 3,500 12,650 9,150 Total Miscellaneous Revenue 26,400 49,151 22,751 TOTAL REVENUES 1,675,100 1,837,292 162,192 EXPENDITURES General Government Mayor and Council 19,982 27,831 7,849 Administration and Finance 225,278 231,747 6,469 Other General Government 248,674 256,410 7,736 Capital Outlay 4,000 4,875 875 Total General Government 497,934 520,863 22,929 CITY OF SCANDIA, MINNESOTA BUDGETARY COMPARISON SCHEDULE – GENERAL FUND FOR THE YEAR ENDED DECEMBER 31, 2021 56 Budget Actual Variance with Amounts- Amounts Budget Original and Budgetary Over Final Basis (Under) Public Safety Police Current 147,460 144,589 (2,871) Fire Current 261,378 308,448 47,070 Capital Outlay 1,400 1,148 (252) Other Public Safety Current 52,000 86,276 34,276 Total Public Safety 462,238 540,461 78,223 Public Works Street Maintenance and Storm Sewers 611,853 516,392 (95,461) Snow and Ice Removal 28,000 23,468 (4,532) Street Engineering 8,500 11,909 3,409 Street Lighting 9,400 5,785 (3,615) Capital Outlay - Other 500 821 321 Total Public Works 658,253 558,375 (99,878) Culture and Recreation Parks and Recreation Current 144,897 110,988 (33,909) Capital Outlay 14,400 8,843 (5,557) Total Culture and Recreation 159,297 119,831 (39,466) TOTAL EXPENDITURES 1,777,722 1,739,530 (38,192) EXCESS (DEFICIENCY) OF REVENUES OVER (UNDER) EXPENDITURES (102,622) 97,762 200,384 OTHER FINANCING SOURCES (USES) Transfers From Other Funds 1,440 - (1,440) To Other Funds (280,000) (282,690) (2,690) TOTAL OTHER FINANCING SOURCES (USES)(278,560) (282,690) (4,130) NET CHANGE IN FUND BALANCE (381,182)$ (184,928) 196,254$ FUND BALANCE - BEGINNING 1,535,222 FUND BALANCE - ENDING 1,350,294$ CITY OF SCANDIA, MINNESOTA SCHEDULE OF CITY’S PROPORTIONATE SHARE OF NET PENSION LIABILITY LAST TEN YEARS (Presented Prospectively) 57 City'sProportionate Share of the Net City'sPension LiabilityProportionate PlanCity's State's and the State's Share of the Net Fiduciary NetProportionate Proportionate Proportionate Pension LiabilityPosition as aFor the City's Share of the Share of the Net Share of the Net (Asset) as a PercentageMeasurementProportion of the Net Pension Pension LiabilityPension LiabilityCity's Percentage ofof the TotalYear Ended Net Pension LiabilityAssociated with Associated with Covered its Covered PensionJune 30Liability (Asset)(Asset) (a)the City (b)the City (a+b)Payroll (c)Payroll ((a+b)/c)LiabilityGeneral Employees Retirement Pension Plan2021 0.0060% 256,227$ 7,846$ 264,073$ 412,253$ 64.1% 87.0%2020 0.0056% 335,746$ 10,402$ 346,148$ 403,027$ 85.9% 79.1%2019 0.0056% 309,611$ 9,666$ 319,277$ 370,760$ 86.1% 80.2%2018 0.0057% 316,213$ 10,395$ 326,608$ 380,371$ 85.9% 79.5%2017 0.0053% 338,349$ 4,251$ 342,600$ 338,175$ 101.3% 75.9%2016 0.0057% 462,812$ 6,071$ 468,883$ 357,680$ 131.1% 68.9%2015 0.0059% 305,769$ -$ 305,769$ 342,106$ 89.4% 78.2%Public Employees Police and Fire Pension Plan2021 0.0039% 30,104$ 1,362$ 31,466$ 44,542$ 70.6% 93.7%2020 0.0058% 76,450$ 1,790$ 78,240$ 20,323$ 385.0% 87.2% Note: The schedule is provided prospectively beginning with the City's fiscal year ended December 31, 2015 and is intended to show a ten year trend. Additional years will be reported as they become available. 2020 was the first year during which City employees participated in the Public Employees Police and Fire Pension Plan. CITY OF SCANDIA, MINNESOTA SCHEDULE OF CITY PENSION CONTRIBUTIONS LAST TEN YEARS (Presented Prospectively) 58 Contributions in Relation to the Contributions as For the Fiscal Statutorily Statutorily Contribution City's a Percentage of Year Ended Required Required Deficiency Covered Covered December 31 Contribution Contribution (Excess)Payroll Payroll General Employees Retirement Pension Plan 2021 31,626$ 31,626$ -$ 421,680$ 7.50% 2020 32,939$ 32,939$ -$ 439,187$ 7.50% 2019 29,072$ 29,072$ -$ 387,627$ 7.50% 2018 27,150$ 27,150$ -$ 362,002$ 7.50% 2017 27,172$ 27,172$ -$ 362,292$ 7.50% 2016 24,941$ 24,941$ -$ 334,592$ 7.45% 2015 25,468$ 25,468$ -$ 348,155$ 7.32% Public Employees Police and Fire Pension Plan 2021 7,854$ 7,854$ -$ 44,373$ 17.70% 2020 7,652$ 7,652$ -$ 43,232$ 17.70% Statewide Volunteer Firefighter Pension Plan 2021 -$ -$ -$ N/A N/A 2020 -$ -$ -$ N/A N/A 2019 -$ -$ -$ N/A N/A 2018 -$ -$ -$ N/A N/A 2017 -$ -$ -$ N/A N/A 2016 -$ -$ -$ N/A N/A 2015 -$ -$ -$ N/A N/A Note: The schedule is provided prospectively beginning with the City's fiscal year ended December 31, 2015 and is intended to show a ten year trend. Additional years will be reported as they become available. 2020 was the first year during which City employees participated in the Public Employees Police and Fire Pension Plan. CITY OF SCANDIA, MINNESOTA SCHEDULE OF CHANGES IN NET PENSION LIABILITY (ASSET) STATEWIDE VOLUNTEER FIREFIGHTER FUND LAST TEN YEARS (Presented Prospectively) 59 2020201920182017201620152014Changes in Total Pension Liability (TPL)Balance at January 1st 659,574$ 490,428$ 545,327$ 617,019$ 654,741$ 636,294$ 629,967$ Service Cost 29,799 31,774 25,342 28,912 24,777 23,343 22,874 Interest on the TPL 41,362 31,332 31,414 34,163 38,089 38,665 38,350 Actuarial Experience (Gains)/Losses (18,142) (8,940) (17,415) (54,911) (11,188) (13,108) (27,553) Changes in Benefit Level - 114,980 - 73,244 - - - Benefit Payments- - (94,240) (153,100) (89,400) (30,453) (27,344) Balance at December 31st712,593$ 659,574$ 490,428$ 545,327$ 617,019$ 654,741$ 636,294$ Plan Fiduciary Net Position (PFNP)Balance at January 1st 752,345$ 604,335$ 687,094$ 723,513$ 735,277$ 730,400$ 658,422$ Fire State Aid 30,706 27,954 26,919 26,278 26,738 27,129 24,368 Fire Supplemental Aid 6,778 6,472 6,405 6,359 6,486 6,638 5,896 Supplemental Benefit Reimbursement - 1,840 3,000 2,000 - 1,000 2,955 Municipal Contributions - - - - - - 18,259 Adjustment to Initial Asset Transfer - - - - - - 5,368 Net Investment Income (Loss)113,188 112,533 (23,964) 83,014 45,186 1,367 43,226 Total Additions 150,672 148,799 12,360 117,651 78,410 36,134 100,072 Benefit Payments - - (94,240) (153,100) (89,400) (30,453) (27,344) Administrative Expenses(855) (789) (879) (970) (774) (804) (750) Total Reductions(855) (789) (95,119) (154,070) (90,174) (31,257) (28,094) Balance at December 31st902,162$ 752,345$ 604,335$ 687,094$ 723,513$ 735,277$ 730,400$ Net Pension Liability (Asset) - December 31st(189,569)$ (92,771)$ (113,907)$ (141,767)$ (106,494)$ (80,536)$ (94,106)$ Plan Fiduciary Net Position as a Percentage of Total Pension Liability (Asset) 127% 114% 123% 126% 117% 112% 115%Measurement Year Ended December 31, Note: The schedule is provided prospectively beginning with the City's fiscal year ended December 31, 2015 (December 31, 2014 measurement date) and is intended to show a ten year trend. Additional years will be reported as they become available. CITY OF SCANDIA, MINNESOTA NOTES TO THE REQUIRED SUPPLEMENTARY INFORMATION DECEMBER 31, 2021 60 NOTE 1 PUBLIC EMPLOYEES RETIREMENT PLAN – GENERAL EMPLOYEES FUND 2021 Changes Changes in Actuarial Assumptions  The investment return and single discount rates were changed from 7.50 percent to 6.50 percent, for financial reporting purposes.  The mortality improvement scale was changed from Scale MP-2019 to Scale MP-2020. Changes in Plan Provisions  There were no changes in plan provisions since the previous valuation. 2020 Changes Changes in Actuarial Assumptions  The price inflation assumption was decreased from 2.50 percent to 2.25 percent.  The payroll growth assumption was decreased from 3.25 percent to 3.00 percent.  Assumed salary increase rates were changed as recommended in the June 30, 2019 experience study. The net effect is assumed rates that average 0.25 percent less than previous rates.  Assumed rates of retirement were changed as recommended in the June 30, 2019 experience study. The changes result in more unreduced (normal) retirements and slightly fewer Rule of 90 and early retirements.  Assumed rates of termination were changed as recommended in the June 30, 2019 experience study. The new rates are based on service and are generally lower than the previous rates for years 2-5 and slightly higher thereafter.  Assumed rates of disability were changed as recommended in the June 30, 2019 experience study. The change results in fewer predicted disability retirements for males and females.  The base mortality table for healthy annuitants and employees was changed from the RP-2014 table to the Pub-2010 General Mortality table, with adjustments. The base mortality table for disabled annuitants was changed from the RP- 2014 disabled annuitant mortality table to the PUB-2010 General/Teacher disabled annuitant mortality table, with adjustments.  The mortality improvement scale was changed from Scale MP-2018 to Scale MP-2019.  The assumed spouse age difference was changed from two years older for females to one year older.  The assumed number of married male new retirees electing the 100 percent Joint & Survivor option changed from 35 percent to 45 percent. The assumed number of married female new retirees electing the 100 percent Joint & Survivor option changed from 15 percent to 30 percent. The corresponding number of married new retirees electing the Life annuity option was adjusted accordingly. Changes in Plan Provisions  Augmentation for current privatized members was reduced to 2.0 percent for the period July 1, 2020 through December 31, 2023 and 0.0 percent after. Augmentation was eliminated for privatizations occurring after June 30, 2020. 2019 Changes Changes in Actuarial Assumptions  The mortality projection scale was changed from MP-2017 to MP-2018. Changes in Plan Provisions  The employer supplemental contribution was changed prospectively, decreasing from $31.0 million to $21.0 million per year. The State’s special funding contribution was changed prospectively, requiring $16.0 million due per year through 2031. CITY OF SCANDIA, MINNESOTA NOTES TO THE REQUIRED SUPPLEMENTARY INFORMATION DECEMBER 31, 2021 61 NOTE 1 PUBLIC EMPLOYEES RETIREMENT PLAN – GENERAL EMPLOYEES FUND (Continued) 2018 Changes Changes in Actuarial Assumptions  The mortality projection scale was changed from MP-2015 to MP-2017.  The assumed benefit increase was changed from 1.00 percent per year through 2044 and 2.50 percent per year thereafter to 1.25 percent per year. Changes in Plan Provisions  The augmentation adjustment in early retirement factors is eliminated over a five-year period starting July 1, 2019, resulting in actuarial equivalence after June 30, 2024.  Interest credited on member contributions decreased from 4.00 percent to 3.00 percent, beginning July 1, 2018.  Deferred augmentation was changed to 0.00 percent, effective January 1, 2019. Augmentation that has already accrued for deferred members will still apply.  Contribution stabilizer provisions were repealed.  Postretirement benefit increases were changed from 1.00 percent per year with a provision to increase to 2.50 percent upon attainment of 90.00 percent funding ratio to 50.00 percent of the Social Security Cost of Living Adjustment, not less than 1.00 percent and not more than 1.50 percent, beginning January 1, 2019.  For retirements on or after January 1, 2024, the first benefit increase is delayed until the retiree reaches normal retirement age; does not apply to Rule of 90 retirees, disability benefit recipients, or survivors.  Actuarial equivalent factors were updated to reflect revised mortality and interest assumptions. 2017 Changes Changes in Actuarial Assumptions  The Combined Service Annuity (CSA) loads were changed from 0.80 percent for active members and 60.00 percent for vested and non-vested deferred members. The revised CSA loads are now 0.00 percent for active member liability, 15.00 percent for vested deferred member liability and 3.00 percent for non-vested deferred member liability.  The assumed postretirement benefit increase rate was changed from 1.00 percent per year for all years to 1.00 percent per year through 2044 and 2.50 percent per year thereafter. Changes in Plan Provisions  The State’s contribution for the Minneapolis Employees Retirement Fund equals $16,000,000 in 2017 and 2018, and $6,000,000 thereafter.  The Employer Supplemental Contribution for the Minneapolis Employees Retirement Fund changed from $21,000,000 to $31,000,000 in calendar years 2019 to 2031. The state’s contribution changed from $16,000,000 to $6,000,000 in calendar years 2019 to 2031. 2016 Changes Changes in Actuarial Assumptions  The assumed postretirement benefit increase rate was changed from 1.00 percent per year through 2035 and 2.50 percent per year thereafter to 1.00 percent per year for all years.  The assumed investment return was changed from 7.90 percent to 7.50 percent. The single discount rate changed from 7.90 percent to 7.50 percent.  Other assumptions were changed pursuant to the experience study June 30, 2015. The assumed future salary increases, payroll growth, the inflation were decreased by 0.25 percent to 3.25 percent for payroll growth and 2.50 percent for inflation. Changes in Plan Provisions  There were no changes in plan provisions since the previous valuation. CITY OF SCANDIA, MINNESOTA NOTES TO THE REQUIRED SUPPLEMENTARY INFORMATION DECEMBER 31, 2021 62 NOTE 1 PUBLIC EMPLOYEES RETIREMENT PLAN – GENERAL EMPLOYEES FUND (Continued) 2015 Changes Changes in Actuarial Assumptions  The assumed postretirement benefit increase rate was changed from 1.00 percent per year through 2030 and 2.50 percent per year thereafter to 1.00 percent per year through 2035 and 2.50 percent per year thereafter. Changes in Plan Provisions  On January 1, 2015, the Minneapolis Employees Retirement Fund was merged into the General Employees Fund, which increased the total pension liability by $1.1 billion and increased the fiduciary plan net position by $892 million. Upon consolidation, state and employer contributions were revised; the State’s contribution of $6 million, which meets the special funding situation definition, was due September 2015. NOTE 2 PUBLIC EMPLOYEES RETIREMENT PLAN – POLICE AND FIRE FUND 2021 Changes Changes in Actuarial Assumptions  The investment return and single discount rates were changed from 7.50 percent to 6.50 percent, for financial reporting purposes.  The inflation assumption was changed from 2.50 percent to 2.25 percent.  The payroll growth assumption was changed from 3.25 percent to 3.00 percent.  The base mortality table for healthy annuitants and employees was changed from the RP-2014 table to the Pub-2010 Public Safety Mortality table. The mortality improvement scale was changed from MP-2019 to MN-2020.  The base mortality table for disabled annuitants was changed from the RP-2014 healthy annuitant mortality table (with future mortality improvement according to Scale MP-2019) to the Pub-2010 Public Safety disabled annuitant mortality table (with future mortality improvement according to Scale MP-2020).  Assumed rates of salary increase were modified as recommended in the July 14, 2020 experience study. The overall impact is a decrease in gross salary increase rates.  Assumed rates of retirement were changed as recommended in the July 14, 2020 experience study. The changes result in slightly more unreduced retirements and fewer assumed early retirements.  Assumed rates of withdrawal were changed from select and ultimate rates to service-based rates. The changes result in more assumed terminations.  Assumed rates of disability were increased for ages 25-44 and decreased for ages over 49. Overall, proposed rates result in more projected disabilities.  Assumed percent married for active female members was changed from 60 percent to 70 percent. Minor changes to form of payment assumptions were applied. Changes in Plan Provisions  There were no changes in plan provisions since the previous valuation. 2020 Changes Changes in Actuarial Assumptions  The mortality projection scale was changed from MP-2018 to MP-2019. Changes in Plan Provisions  There have been no changes since the prior valuation. CITY OF SCANDIA, MINNESOTA NOTES TO THE REQUIRED SUPPLEMENTARY INFORMATION DECEMBER 31, 2021 63 NOTE 3 STATEWIDE VOLUNTEER FIREFIGHTER RETIREMENT PLAN 2020 Changes Changes in Actuarial Assumptions  There were no significant changes made to actuarial assumptions during 2020. 2019 Changes Changes in Actuarial Assumptions  There were no significant changes made to actuarial assumptions during 2019. 2018 Changes Changes in Actuarial Assumptions  There were no significant changes made to actuarial assumptions during 2018. 2017 Changes Changes in Actuarial Assumptions  There were no significant changes made to actuarial assumptions during 2017. 2016 Changes Changes in Actuarial Assumptions   There were no significant changes made to actuarial assumptions during 2016. 2015 Changes Changes in Actuarial Assumptions   There were no significant changes made to actuarial assumptions during 2015.   64 SUPPLEMENTARY INFORMATION CITY OF SCANDIA, MINNESOTA SUPPLEMENTAL COMBINING BALANCE SHEET MAJOR GOVERNMENTAL FUND – DEBT SERVICE FUND DECEMBER 31, 2021 65 2013 Equipment Certificates 2015 Equipment Certificates 2017 Equipment Certificates 2018A G.O. Street Bonds Total Debt Service ASSETSCash and Cash Equivalents25,110$ 15,951$ 543$ 4,359$ 45,963$ FUND BALANCERestricted25,110$ 15,951$ 543$ 4,359$ 45,963$ CITY OF SCANDIA, MINNESOTA SUPPLEMENTAL COMBINING SCHEDULE OF REVENUES, EXPENDITURES, AND CHANGES IN FUND BALANCE MAJOR GOVERNMENTAL FUND – DEBT SERVICE FUND FOR THE YEAR ENDED DECEMBER 31, 2021 66 2013 Equipment Certificates 2015 Equipment Certificates 2017 Equipment Certificates 2018A G.O. Street Bonds Total Debt Service REVENUESTaxes68,220$ -$ 35,909$ 341,456$ 445,585$ EXPENDITURESDebt Service:Principal 60,000 - 32,000 220,000 312,000 Interest and Other Charges 7,635 - 2,163 105,220 115,018 TOTAL EXPENDITURES67,635 - 34,163 325,220 427,018 NET CHANGE IN FUND BALANCE585 - 1,746 16,236 18,567 FUND BALANCE - BEGINNING24,525 15,951 (1,203) (11,877) 27,396 FUND BALANCE - ENDING25,110$ 15,951$ 543$ 4,359$ 45,963$ CITY OF SCANDIA, MINNESOTA COMBINING BALANCE SHEET ALL NONMAJOR GOVERNMENTAL FUNDS DECEMBER 31, 2021 67 Economic Development Authority Fund Cable TV Fund COVID Relief Gateway Trail Expansion Fund Park Capital Improvement Fund Equipment Replacement Fund Total Nonmajor Funds ASSETSCash and Cash Equivalents29,044$ 37,542$ 228,181$ 175$ 148,216$ 316,433$ 759,591$ Accounts Receivable - 1,931 - - 9,000 - 10,931 Prepaids 295 - - - - - 295 TOTAL ASSETS29,339$ 39,473$ 228,181$ 175$ 157,216$ 316,433$ 770,817$ LIABILITIESAdvances from Other Funds-$ -$ -$ -$ 8,000$ -$ 8,000$ DEFERRED INFLOWS OF RESOURCESUnavailable Revenue: Other Receivables- - - - 9,000 - 9,000 FUND BALANCESNonspendable295 - - - - - 295 Restricted- - 228,181 175 - - 228,356 Committed29,044 - - - 140,216 89,927 259,187 Assigned- 39,473 - - - 226,506 265,979 Total Fund Balances29,339 39,473 228,181 175 140,216 316,433 753,817 TOTAL LIABILITIES, DEFERREDINFLOWS OF RESOURCES, AND FUND BALANCES 29,339$ 39,473$ 228,181$ 175$ 157,216$ 316,433$ 770,817$ Special Revenue Capital Project CITY OF SCANDIA, MINNESOTA COMBINING STATEMENT OF REVENUES, EXPENDITURES, AND CHANGES IN FUND BALANCES ALL NONMAJOR GOVERNMENTAL FUNDS FOR THE YEAR ENDED DECEMBER 31, 2021 68 Economic Development Authority Fund Cable TV Fund COVID Relief Gateway Trail Expansion Fund Park Capital Improvement Fund Equipment Replacement Fund Total Nonmajor Funds REVENUESTaxes5,000$ -$ -$ -$ 10,000$ 130,000$ 145,000$ Franchise Taxes- 23,193 - - - - 23,193 Intergovernmental- - 228,181 - 5,243 - 233,424 Charges for Services- - - - 3,000 - 3,000 Interest Income85 96 - - 491 657 1,329 Miscellaneous- - - - - 42,038 42,038 TOTAL REVENUES5,085 23,289 228,181 - 18,734 172,695 447,984 EXPENDITURESCurrent: General Government- 5,906 - - - - 5,906 Economic Development2,754 - - - - - 2,754 Capital Outlay- - - - 18,345 40,073 58,418 TOTAL EXPENDITURES2,754 5,906 - - 18,345 40,073 67,078 EXCESS (DEFICIENCY) OF REVENUESOVER (UNDER) EXPENDITURES2,331 17,383 228,181 - 389 132,622 380,906 OTHER FINANCING SOURCES (USES)Transfers In - - 2,690 - - - 2,690 NET CHANGE IN FUND BALANCES2,331 17,383 230,871 - 389 132,622 383,596 FUND BALANCES - BEGINNING27,008 22,090 (2,690) 175 139,827 183,811 370,221 FUND BALANCES - ENDING29,339$ 39,473$ 228,181$ 175$ 140,216$ 316,433$ 753,817$ Special Revenue Capital Project CITY OF SCANDIA, MINNESOTA SCHEDULE OF INDEBTEDNESS FOR THE YEAR ENDED DECEMBER 31, 2021 (UNAUDITED) 69 Initial Outstanding Outstanding Principal Issue Interest Maturity Authorized Balance Balance Due WithinDatesRatesDatesIssue01/01/21IssuedPaid12/31/21One YearGOVERNMENTAL INDEBTEDNESS2013 Certificates of Indebtedness7/1/2013 0.80-3.10% 7/1/2023 570,000$ 180,000$ -$ 60,000$ 120,000$ 60,000$ 2017 Certificates of Indebtedness8/1/2017 2.35-2.75% 8/1/2022 160,000 64,000 - 32,000 32,000 32,000 G.O. Street Reconstruction Bonds, Series 2018A5/15/2018 3.00-3.13% 12/15/20333,835,000 3,465,000 - 220,000 3,245,000 230,000 TOTAL INDEBTEDNESS4,565,000$ 3,709,000$ -$ 312,000$ 3,397,000$ 322,000$   70 OTHER REQUIRED REPORTS               An Independently Owned Member, RSM US Alliance   RSM US Alliance member firms are separate and independent businesses and legal entities that are responsible for their own acts and omissions, and each are separate and independent from RSM US LLP. RSM US LLP is the U.S. member firm of RSM International, a global network of independent audit, tax, and consulting firms. Members of RSM US Alliance have access to RSM International resources through RSM US LLP but are not member firms of RSM International.    St. Cloud 320.251.0286 Little Falls 320.632.6311 Albany 320.845.2940 Maple Lake 320.963.5414 Monticello 763.295.5070 www.schlennerwenner.cpa REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING AND ON COMPLIANCE AND OTHER MATTERS BASED ON AN AUDIT OF FINANCIAL STATEMENTS PERFORMED IN ACCORDANCE WITH GOVERNMENT AUDITING STANDARDS INDEPENDENT AUDITOR’S REPORT Honorable Mayor and City Council City of Scandia, Minnesota We have audited, in accordance with the auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in Government Auditing Standards issued by the Comptroller General of the United States, the financial statements of the governmental activities, the business-type activities, each major fund, and the aggregate remaining fund information of the City of Scandia, as of and for the year ended December 31, 2021, and the related notes to the financial statements, which collectively comprise the City of Scandia’s basic financial statements and have issued our report thereon dated May 31, 2022. Internal Control Over Financial Reporting In planning and performing our audit of the financial statements, we considered the City of Scandia's internal control over financial reporting (internal control) as a basis for designing audit procedures that are appropriate in the circumstances for the purpose of expressing our opinions on the financial statements, but not for the purpose of expressing an opinion on the effectiveness of the City’s internal control. Accordingly, we do not express an opinion on the effectiveness of the City’s internal control. Our consideration of internal control was for the limited purpose described in the preceding paragraph and was not designed to identify all deficiencies in internal control that might be material weaknesses or significant deficiencies and therefore, material weaknesses or significant deficiencies may exist that were not identified. However, as described in the accompanying Schedule of Findings and Responses, we identified certain deficiencies in internal control that we consider to be material weaknesses and significant deficiencies. A deficiency in internal control exists when the design or operation of a control does not allow management or employees, in the normal course of performing their assigned functions, to prevent, or detect and correct, misstatements on a timely basis. A material weakness is a deficiency, or a combination of deficiencies, in internal control such that there is a reasonable possibility that a material misstatement of the entity’s financial statements will not be prevented, or detected and corrected on a timely basis. We consider the following deficiencies described in the accompanying Schedule of Findings and Responses to be material weaknesses: 2013-001 and 2019-001. A significant deficiency is a deficiency, or a combination of deficiencies, in internal control that is less sever that a material weakness, yet important enough to merit attention by those charged with governance. We consider the following deficiency described in the accompanying Schedule of Findings and Responses to be a significant deficiency: 2019-002. 72 Compliance and Other Matters As part of obtaining reasonable assurance about whether the City's financial statements are free from material misstatement, we performed tests of its compliance with certain provisions of laws, regulations, contracts, and grant agreements, noncompliance with which could have a direct and material effect on the financial statements. However, providing an opinion on compliance with those provisions was not an objective of our audit, and accordingly, we do not express such an opinion. The results of our tests disclosed no instances of noncompliance or other matters that are required to be reported under Government Auditing Standards. Minnesota Legal Compliance In connection with our audit, nothing came to our attention that caused us to believe that the City of Scandia failed to comply with the provisions of the contracting – bid laws, depositories of public funds and investments, conflicts of interest, public indebtedness, claims and disbursements, and miscellaneous provisions sections of the Minnesota Legal Compliance Audit Guide for Cities, promulgated by the State Auditor pursuant to Minn. Stat. § 6.65, insofar as they relate to accounting matters. However, our audit was not directed primarily toward obtaining knowledge of such noncompliance. Accordingly, had we performed additional procedures, other matters may have come to our attention regarding the City’s noncompliance with the above referenced provisions, insofar as they relate to accounting matters.  City’s Response to Findings The City of Scandia’s response to the findings identified in our audit is described in the accompanying Schedule of Findings and Responses and Corrective Action Plans. The City’s response was not subjected to the auditing procedures applied in the audit of the financial statements and, accordingly, we express no opinion on it. Purpose of this Report The purpose of this report is solely to describe the scope of our testing of internal control and compliance and the results of that testing, and not to provide an opinion on the effectiveness of the City’s internal control or on compliance. This report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the City’s internal control and compliance. Accordingly, this communication is not suitable for any other purpose. SCHLENNER WENNER & CO. St. Cloud, Minnesota May 31, 2022 CITY OF SCANDIA, MINNESOTA SCHEDULE OF FINDINGS AND RESPONSES DECEMBER 31, 2021 73 FINANCIAL STATEMENT FINDINGS Finding 2013-001 Limited Segregation of Duties Condition: The City has limited segregation of accounting duties. Criteria: The basic premise of proper segregation of duties is that no one employee should have access to both physical assets and the related accounting records or to all phases of the transaction. Cause: There are a limited number of employees. Effect: The City’s lack of adequate segregation of accounting duties could adversely affect the City’s ability to initiate, record, process, and report financial data consistent with the assertions of management in the financial statements. Recommendation: Although the number of employees may not be large enough to eliminate this deficiency, we recommend that the City evaluate current procedures and segregate where possible and implement compensating controls. It is important that the Council is aware of this condition and monitor all financial information. Views of Responsible Officials And Planned Corrective Actions: Management agrees with the recommendation. See corresponding Corrective Action Plan. Finding 2019-001 Material Audit Adjustments Condition: Audit adjustments were required to correct material misstatements identified in the trial balance presented for the audit. Criteria: The City is required to report accurate financial information, in accordance with accounting principles generally accepted in the United States of America. Cause: The City failed to record all year-end adjustments required under the accrual basis of accounting and various other adjustments were required to correct misstatements. Effect: The misstatements in the trial balance presented for the audit resulted in the need to record audit adjustments to achieve fair financial statement presentation under accounting principles generally accepted in the United States of America. Recommendation: We recommend management perform a thorough review of the trial balance prior to the audit and ensure all accounts have been properly adjusted at year-end. Views of Responsible Officials And Planned Corrective Actions: Management agrees with the recommendation. See corresponding Corrective Action Plan. CITY OF SCANDIA, MINNESOTA SCHEDULE OF FINDINGS AND RESPONSES DECEMBER 31, 2021 74 FINANCIAL STATEMENT FINDINGS (Continued) Finding 2019-002 Financial Statement Preparation Condition: Schlenner Wenner & Co. drafts the financial statements for the City. These financial statements, including disclosures, were reviewed by management and management has taken responsibility for them. However, we believe that management would require additional training in accounting principles generally accepted in the United States of America to adequately apply such standards internally. Criteria: The City is required to report accurate financial information. Cause: The City’s staff does not possess the expertise to prepare financial statements internally. This is not unusual for a City of your size. Effect: The inability to internally prepare the City’s financial statements can result in undetected errors in financial reporting. Recommendation: While the City may not have adequate controls in place to eliminate this finding, the City should document its annual review of the financial statements. Views of Responsible Officials And Planned Corrective Actions: Management agrees with the recommendation. See corresponding Corrective Action Plan. CITY OF SCANDIA, MINNESOTA CORRECTIVE ACTION PLANS DECEMBER 31, 2021 75 FINANCIAL STATEMENT FINDINGS Finding 2013-001 Limited Segregation of Duties 1. Explanation of Disagreement with Audit Finding There is no disagreement with the audit finding. 2. Actions Planned in Response to Finding The City currently has the following procedures in place: o The City’s Department Heads review all invoices received. The City Council also reviews the monthly invoices and approves the expenditures. o The City utilizes claim listings which are approved by the City Administrator. The City will review current procedures and implement additional controls where possible. 3. Office Responsible Ken Cammilleri, City Administrator, is the official responsible for ensuring corrective action. 4. Planned Completion Date The Corrective Action Plan will be reviewed on an ongoing basis with no anticipated completion date. 5. Plan to Monitor Completion The City Council will be monitoring the Corrective Action Plan. Finding 2019-001 Material Audit Adjustments 1. Explanation of Disagreement with Audit Finding There is no disagreement with the audit finding. 2. Actions Planned in Response to Finding The City will continue to have Schlenner Wenner & Co. prepare certain audit adjustments and the City will review the adjustments and schedules provided to the auditor. The City will be more diligent in the review of schedules, including those prepared by third parties, to ensure they are correct and agree with the unaudited trial balance. 3. Office Responsible Ken Cammilleri, City Administrator, is the official responsible for ensuring corrective action. 4. Planned Completion Date The Corrective Action Plan will be reviewed on an ongoing basis with no anticipated completion date. 5. Plan to Monitor Completion The City Council will be monitoring the Corrective Action Plan. CITY OF SCANDIA, MINNESOTA CORRECTIVE ACTION PLANS DECEMBER 31, 2021 76 FINANCIAL STATEMENT FINDINGS (Continued) Finding 2019-002 Limited Segregation of Duties 1. Explanation of Disagreement with Audit Finding There is no disagreement with the audit finding. 2. Actions Planned in Response to Finding The City will continue to have Schlenner Wenner & Co. prepare the financial statements and will continue to document the annual review of the financial statements and related footnote disclosures. 3. Office Responsible Ken Cammilleri, City Administrator, is the official responsible for ensuring corrective action. 4. Planned Completion Date The Corrective Action Plan will be reviewed on an ongoing basis with no anticipated completion date. 5. Plan to Monitor Completion The City Council will be monitoring the Corrective Action Plan.