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2011 CAFRThe Village of 0 w North Palm Beach, FL COMPREHENSIVE ANNUAL FINANCIAL REPORT Fiscal Year Ended September 30, 2011 The Village of North Palm Beach, Florida COMPREHENSIVE ANNUAL FINANCIAL REPORT Fiscal Year Ended September 30, 2011 Prepared by: Finance Department Samia Janina Director of Finance THE VILLAGE OF NORTH PALM BEACH, FLORIDA FINANCIAL STATEMENTS SEPTEMBER 30, 2011 TABLE OF CONTENTS INTRODUCTORY SECTION Letterof Transmittal ...................................................................................................... ............................... i List of Principal Village Officials ............................................................................. ............................... vii OrganizationChart .................................................................................................... ............................... viii GFOA Certificate of Achievement for Excellence in Financial Reporting ................. ............................... ix FINANCIAL SECTION IndependentAuditors' Report ......................................................................................... ..............................1 Management's Discussion and Analysis ......................................................................... ..............................3 BASIC FINANCIAL STATEMENTS: Government -wide Financial Statements Statementof Net Assets .......................................................................................... .............................13 Statementof Activities ............................................................................................ .............................14 Fund Financial Statements: Balance Sheet - Governmental Funds ..................................................................... .............................16 Reconciliation of the Balance Sheet — Governmental Funds to the Statement of Net Assets .......................................................................... .............................17 Statement of Revenues, Expenditures and Changes in Fund Balances - Governmental Funds .............................................................. .............................18 Reconciliation of the Statement of Revenues, Expenditures, and Changes in Fund Balances of the Governmental Funds to the Statement of Activities ....... .............................19 Statement of Net Assets - Proprietary Fund ............................................................ .............................20 Statement of Revenues, Expenses, and Changes in Net Assets- Proprietary Fund .................................................................................. .............................21 Statement of Cash Flows - Proprietary Fund .......................................................... .............................22 Statement of Fiduciary Net Assets - Fiduciary Funds ............................................. .............................23 Statement of Changes in Fiduciary Net Assets — Fiduciary Funds ......................... .............................24 Notes to the Basic Financial Statements ........................................................................ .............................25 REQUIRED SUPPLEMENTARY INFORMATION Schedule of Funding Progress- Other Post Employment Benefits ........................... .............................63 Schedule of Funding Progress — Retirement Funds ................................................. .............................64 Schedule of Employer and State Contributions ...................................................... .............................65 Notesto the Trend Data .......................................................................................... .............................66 Schedule of Revenues, Expenditures, and Changes in Fund Balance - Budget and Actual - General Fund .................................................................... .............................67 Notes to the Budgetary Required Supplementary Information ............................... .............................68 THE VILLAGE OF NORTH PALM BEACH, FLORIDA FINANCIAL STATEMENTS SEPTEMBER 30, 2011 TABLE OF CONTENTS (Continued) OTHER SUPPLEMENTARY INFORMATION: Schedule of Departmental Expenditures— Budget and Actual — General Fund ....... .............................69 Combining Balance Sheet — Nonmajor Governmental Funds ................................. .............................72 Combining Statement of Revenues, Expenditures, and Changes in Fund Balances - NonmajorGovernmental Funds ......................................................................... ............................... 73 Combining Statement of Net Assets - Fiduciary Funds .......................................... .............................74 Combining Statement of Changes in Fiduciary Net Assets - Employee Retirement Funds ................75 Combining Statement of Agency Net Assets .......................................................... .............................76 Combining Schedule of Changes in Agency Net Assets and Liabilities .................. .............................77 Schedule of Departmental Expenses — Budget and Actual — Country Club Fund — Budgetary Basis ..78 STATISTICAL SECTION NetAssets by Component ..................................................................................... ............................... 79 Changesin Net Assets ........................................................................................... ............................... 80 Fund Balances, Governmental Funds ...................................................................... .............................82 Changes in Fund Balances, Governmental Funds ................................................... .............................83 Net Assessed Value and Estimated Actual Value of Taxable Property .................. .............................85 Property Tax Rates - Direct and Overlapping Governments .................................... .............................86 Principal Property Taxpayers .................................................................................. .............................87 Property Tax Levies and Collections ...................................................................... .............................88 Ratios of Outstanding Debt by Type ........................................................................ .............................89 Direct and Overlapping Governmental Activities Debt ........................................... .............................90 Pledged- Revenue Coverage ..................................................................................... .............................91 Demographic and Economic Statistics ..................................................................... .............................92 PrincipalEmployers ................................................................................................ .............................93 Full -Time Equivalent Village Government Employees by Function ....................... .............................94 Operating Indicators by Function /Program ............................................................. .............................95 Capital Asset Statistics by Function /Program .......................................................... .............................96 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 ..... .............................97 Management Letter in Accordance with the Rules of the Auditor General of the Stateof Florida .................................................................................................... .............................99 INTRODUCTORY SECTION THE VILLAGE OF NORTH PALM BEACH -- - THE BEST PLACE TO LIVE UNDER THE SUN March 22, 2012 The Honorable Mayor and Members of the Village Council Village of North Palm Beach North Palm Beach, Florida The Finance Department and Village Manager's Office are pleased to submit the Comprehensive Annual Financial Report for the Village of North Palm Beach, Florida for the fiscal year ended September 30, 2011. This report is published to provide the Village Council, Village staff, our citizens, our lenders, and other interested parties with detailed information concerning the financial condition and activities of the Village government. Responsibility for both the accuracy of the presented data and the completeness and fairness of the presentation, including all disclosures, rests with the Village. To the best of our knowledge and belief, the enclosed data are accurate in all material respects, and are organized in a manner designed to fairly present the financial position and results of operations of the Village as measured by the financial activity of its various funds. We also believe that all disclosures necessary to enable the reader to gain the maximum understanding of the Village's financial affairs have been included. THE REPORT Nowlen, Holt & Miner, P.A., Certified Public Accountants, have issued an unqualified ( "clean ") opinion on the Village of North Palm Beach's financial statements for the year ended September 30, 2011. The independent auditor's report is located at the front of the financial section of this report. Management's Discussion and Analysis (MD &A) immediately follows the independent auditor's report and provides a narrative, overview, and analysis of the basic financial statements. MD &A complements this letter of transmittal and should be read in conjunction with it. The CAFR's role is to assist in making economic, social and political decisions and to assist in assessing accountability to the citizenry by: • comparing actual financial results with the legally adopted budget, where appropriate; • assessing financial condition and results of operations; • assisting in determining compliance with finance related laws, rules and regulations; • assisting in evaluating the efficiency and effectiveness of Village operations. 501 U.S. Highway 1, North Palm Beach, FL 33408 -4902 * (561) 841 -3380 * Fax (561) 848 -3344 VILLAGE PROFILE The Village The Village of North Palm Beach is primarily a residential community, having been incorporated as a political subdivision of the State of Florida in 1956. The registered population of the Village is approximately 13,000 which increases to approximately 18,000 during the winter months by residents who list their northern homes as their official place of residence. Residents are generally in the middle to upper income brackets. Located in the northeastern quadrant of Palm Beach County, Florida, the Village has an abundant amount of waterfront property created by a number of lakes, canals, and the Atlantic Ocean. The governing body of the Village consists of a five member Village Council, each of whom is elected to two -year overlapping terms. The Mayor is selected by majority vote of the Council and serves for a term of one year. Day to day affairs of the Village are under the leadership of the Village Manager who is appointed by the Council. FINANCIAL DATA Financial Reporting System and Budgetary Controls The Village's financial records for its general governmental operations are maintained on the modified accrual basis, which means that revenues are recorded when available and measurable, and expenditures are reported when goods and services are received and the related liabilities are incurred. Financial reporting for its Enterprise Fund (i.e., the Country Club operation) is presented using the full accrual basis of accounting required by GAAP for its annual financial report. The Country Club annual budget is adopted using a modified accrual basis of accounting (identical to the general government operations mentioned above) which is consistent with how general ledger financial records are maintained throughout the year by the Village administration. In developing and evaluating the Village's financial and accounting system, consideration is given to the adequacy of internal accounting controls. Internal accounting controls are designed to provide reasonable, but not absolute, assurance regarding: (a) the safeguarding of assets against loss from unauthorized use or disposition; and (b) the reliability of financial records for preparing financial statements and maintaining accountability for assets. The concept of reasonable assurance recognizes that: (a) the cost of a control should not exceed the benefits likely to be derived; and (b) the evaluation of costs and benefits requires estimates and judgments by management. All internal control evaluations occur within the above framework. We believe that the Village's internal accounting controls adequately safeguard assets and provide reasonable assurance of proper recording of financial transactions. The Village of North Palm Beach maintains budgetary controls through the annual budget public hearing and approval process for GAAP -based budgets. The formal budget approval for each fiscal year is accomplished in a manner compliant with Florida State Statute 200.065, commonly referred to as Truth -in- Millage (TRIM). Budget amendments require Village Council approval at public meetings. Budgetary control is maintained at the department level within the fund by the encumbrance of estimated purchase amounts prior to the release of purchase orders to vendors. Purchase orders, which result in an overrun of approved departmental appropriations within the fund, are not released until additional appropriations are made available. Encumbered amounts lapse at year -end; however, they are re- appropriated as part of the following year's budget. ECONOMIC OUTLOOK Property Values The Village obtains a major portion of its annual General Fund financial resources (56 %) from ad valorem property taxes. Gross assessed property values increased substantially between the years of 2002 through 2006 but slowed significantly in 2007. In years 2008 through 2011 area property values declined in value, in many instances significantly, as a result of the economic downturn. This unprecedented decline in property values is only exacerbated by the number of properties in various stages of foreclosure. Both of these real- estate issues have had and continue to have an adverse impact upon the financial resources of the Village. The Village does not anticipate a change in the pace of planned new growth since most vacant property within the municipal limits has already been developed. There continues to be an obvious softening of the real- estate market significantly impacting both home values and sales. The Village's property tax valuation continues to be negatively impacted since the passing of Amendment One (Property Tax Reform) in January 2008! Three primary factors play a role in that impact: doubling the Homestead exemptions to fifty thousand dollars; the capping of assessed property values for homes not currently homesteaded; and portability. Political discussions continue regarding alternative taxations which make future forecasts of Village property tax valuation uncertain. The Village will continue to pursue annexation of surrounding unincorporated areas that complement and enhance the services and values of our existing community. The focus of Village annexation efforts will be providing exemplary municipal services that are revenue "neutral" to both the annexed areas and to the Village. Investment Revenues: The economic downturn and softening of the Money Market continues to have significant consequences on the Village's investment revenues. In the short -term, the Village made a conscious decision to modify its investment strategies towards the Treasury Market to better protect and ensure the availability of the Village's investment balances. This move proved successful in safeguarding Village investments during this Market freefall but impacted the interest /dividend revenues to the Village. Four years ago, the Village adopted, with the assistance of the Village's Audit Committee, a "revised" Investment Policy designed to provide safety and liquidity while maximizing investment return(s). The newly adopted policy provides numerous investment strategies, parameters, and safeguards. The policy additionally provides for 1/12 of its annual operating budget to be deposited in a liquid interest bearing account so as not to impede operations should other funds be temporarily unavailable. Personnel Costs The Village will continue to face challenges primarily in areas of increased personnel costs for both salaries and benefits as well as increased insurance and energy costs. In past years, several retirement plan amendments were implemented by the Village and then followed by significant salary adjustments that magnified the impact and cost of the retirement changes. The combination of these changes resulted in significant increases to - and continuing requirements for - annual Village pension costs. The Village has also encountered significant increases in annual health insurance costs during the past few years. In 2005, the Village transitioned away from its self- insured health program to a contractual, fixed -fee Health /Dental program. This new health program more accurately reflects and contains annual Village costs while re- establishing a cost - sharing partnership with employees by adjusting the amount of their annual contribution for health coverage. Agreements for all three of the Village's collective bargaining units (police, fire, and public service workers) were successfully bargained and ratified during fiscal year 2010. All Collective Bargaining Agreements will run through September 30, 2013. All wage provisions "sunset" each year and must be renegotiated pursuant to the annual re- opener provisions outlined in the respective Collective Bargaining Agreements thereby giving the Village a more accurate means by which to calculate future year salaries and benefit costs. The impacts of personnel salaries and benefits in the coming years will have a large and continuing effect on future Village financing and service priorities in the areas of staffing, public services and public projects. INITIATIVES AND FUTURE PROJECTS The FY2011/2012 budget reflects a renewed commitment and predictable funding for community infrastructure in areas such as roadways, neighborhood sidewalks and lighting, public buildings, and park facilities. The Community Development Department continues to meet the unending demands of our Village's business and neighborhood redevelopment. Community Development will continue to concentrate staff resources in areas of construction, permitting, licensing, and community planning while reinforcing improvements in customer service. The continuing analysis and pursuit of annexation opportunities, zoning and redevelopment enhancements and improvement of our business and development regulations is also a function of the Community Development Department. This Department will better align our Village with statutory development guidelines and help to meet steadily growing expectations of homeowners and developers. The Parks and Recreation Department continues to enhance programs for all age groups and at each of the six facilities. The newly redeveloped Anchorage Park will host a variety of events in this upcoming year to include: movies in the park; organized volleyball leagues; the Village's annual fishing tournament; and Heritage day. The parks continue to be maintained by an outside service which has been funded under the "contractual services" line. The Village will be looking to make grant application in FY2012 at both the state and federal levels to offset costs associated with the continuation of a walking path to the north side of Anchorage Park. The Village will also seek to expand the (recreational vehicle) "dry storage" area at Anchorage Park to accommodate those residents currently awaiting availability. Additionally, the Village will make reapplication to FRDAP seeking a $50,000 non - matching grant to erect a "Veterans Memorial" to the rear of Village Hall and adjacent to the Public Library. LVA The Public Works Department is planning to continue oversight and maintenance of Village sanitation, infrastructure, streets, facilities, equipment, and roadways. This Department will focus on and play a major role in maintaining and expanding our focus on community appearance during the coming year. Public Works improvements include funding for the replacement of A/C chiller units at Village Hall and Public Safety. These A/C units are showing severe signs of wear and tear and could pose significant disruption to the Village should there be an unanticipated failure. The replacement cost for these two units is $111,600. Public Works also plans to take steps to improve neighborhood lighting in areas identified as having acute need throughout the Village. Roadway appearance will be emphasized with improved median and swale plantings. Northlake Boulevard Corridor Task Force: An initial $500,000 grant from the State DOT allowed the Village to award a local company the bid for construction of Phase 1 of the Northlake Boulevard streetscape improvement. This first phase provided sidewalk widening and median /swale area landscaping improvements from US1 westward to Southwind Drive. Replacement of deficient vegetation was completed in February 2007. Implementation of Phase II which extends from Southwind Drive westward to Alternate A1A got underway in FY2011 and will be completed sometime early 2012. The Police Department has continued improvements in neighborhood outreach, crime suppression, and crime clearances. In 2008, and again in 2011, the Village's Police Department was awarded the coveted CALEA National Accreditation for law enforcement agencies. The Police budget includes funding for the purchase /replacement of needed marked patrol vehicles. The Human Resources Department, over this past year, assisted with workforce reduction strategies, employee healthcare procurement, and risk management. Union related matters were also successfully addressed with emphasis placed on legal reporting and the providing for a consistent managerial oversight of all Village personnel matters. With the acquisition of the Restaurant at the Country Club, new staff hiring and processing continues to task this relatively small department. The Administration continues with its implementation of an optical records storage system which will be ongoing. This system will be used by all Village operating departments (Community Development, Finance, Human Resources, and Country Club). Optical record storage systems are now widely used by governments and meet all State record storage requirements. This allows the Village to transition — over time — from "paper" records to optically stored records. Optical storage permits digital "look up" of any optical record "at will" through the convenience of a simple computer search. Optical storage systems have become commonly used by many local governments, and the cost is relatively modest when considering the time savings and customer service improvements they offer. OTHER INFORMATION Independent Audit Article 11, Section 2.18 of the Village Charter requires an annual audit of the books of account, financial records and transactions of all administrative departments of the Village by independent certified public accountants selected by the Village Council. This requirement has been complied with and the independent auditor's report has been included in this report. Certificate of Achievement The Government Finance Officers Association of the United States and Canada (GFOA) awarded a Certificate of Achievement of Excellence in Financial Reporting to the Village of North Palm Beach for its Comprehensive Annual Financial Report for the fiscal year ended September 30, 2010. The Certificate of Achievement is a prestigious national award, recognizing conformance with the highest standards for preparation of state and local government financial reports. Respectfully submitted, amia Janjua Director of Finance N Innyy night Iage Manager THE VILLAGE OF NORTH PALM BEACH, FLORIDA Title Mayor Vice Mayor President Pro Tem Council Member Council Member Village Manager Director of Finance Village Clerk PRINCIPAL VILLAGE OFFICIALS SEPTEMBER 30, 2011 V11 Name Darryl C. Aubrey David B. Norris William L. Manuel Robert A. Gebbia T.R. Hernacki James Titcomb Sarnia Janjua Melissa Teal Q 0 LL 2 U � Q L LU Cm V G L J }' /1 O O N Z LL O� Lu 0 0 J J W 2 F- cn C a) cn a) a) H U C O L) 0) m viii L a) a) 0) m L- a) 0) c� c c� a) 0) m i a) C L O Q a) 0) m c � oU A U � L O U � R � ca U) c O a U a) Q c� L J C >, 0 0 o E O U _S9 cn C a) EL O 2 a) a) U C C LL a) E � Q E o E a) O > U p a) E c a) Q O M U (n cn 0 Q N -0 Q+, 6-2 EQ -p CO E° u) '> -b m U 0 �, o LU C7 p U L) L -0 Q O }, (� CO Q J om' U) C �= � L .cn C C U + C J 1 �QUy D O O-Q -�P O M EL a) M �No p cn C a) cn a) a) H U C O L) 0) m viii L a) a) 0) m L- a) 0) c� c c� a) 0) m i a) C L O Q a) 0) m c � oU A U � L O U � R � ca U) c O a U a) Q c� L J C >, 0 0 o E O U _S9 cn C a) EL O 2 a) a) U C C LL a) E � Q E o E a) O > U p Certificate of Achievemcnt for Excellencc in Financial Reporting llrc entcci to Village of North Palm Beach . Florida For its C:oinprehensive Annual Financial Repoil for the Fiscal Ycar Ended September 30, 20 10 A Certifn -we- cif AdfleetEntmi For Excellence in fiminc:inl RCIM1liarL' sti IIIe:,"L :EI[Cd lry II it: (iowerimicii[ Fiia{iiiL'V OIT'ILY11'. IMI,"MI,Lai1 Of 1110 �Inile *. {j 1?6E., nrid Cdr eta 1-:F �:)% :e invent unirs,uid piblic eniplo ee icuir inunl v toa1" xw'110 -1 c- yal�� r�lrea� ire uuitL€�I fira.antaz�l Iru7c3aEr�:; at :?ir�'r risnweE71 2Ee'Ci9LaillEra�+ kXcCui'Lv C Dircclor V FINANCIAL SECTION NH &M NOWLEN, HOU& MINER, P.A. WESTPALM BEACH OR WE 215 P FM STREEr.SL9f1E 2C0 P0iPOPPi®H+1R 3V YfMWaN 3 4CIZQ34F TMJWMWB (obi ) dS %Wu FAX (W � a'iy�FM1iA INDEPENDENT AUDITORS' REPORT The Honorable Mayor and Members of the Village Council The Village of North Palm Beach, Florida FYFRFTT 5 KCMI FN ;1020-, WF :, P:P- rw +iva i u^� i. Ciu =06=RT W. HF4TR.�.0 [X,..R.. ,'P- J", - Pi 6w, ILA 'v' l'. cm KATtuLEEY& MN =_R, OPA TF RW L AIQ{ —044, ..R . GM h. Hu%%MOL4VL -1, CPA J. WCJ -A6_ a--E VEN$, GPA :LLFWAC VARQ4kGPA U� AN J 9HLSL uk CF'!P, CPA KARA 7 =EfER64K .0 mA FrAimnn T, mni- .-a.,C A RFI IF GI ALnF OFFICF 331$ F wnd $TRFFT PWT OFF CF ROK 334 RUE GLAW. K.OPRlnA 33&3D 0334 TEI.EP°"E (M 1 ) 99 11-5 1312 FAX {591 j 996 -9248 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 Village of North Palm Beach, Florida as of and for the year ended September 30, 2011, which collectively comprise the Village's basic financial statements as listed in the table of contents. These financial statements are the responsibility of the Village of North Palm Beach, Florida's management. Our responsibility is to express opinions on these financial statements based on our audit. We conducted our audit in accordance with U. S. generally accepted auditing standards and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinions. 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 Village of North Palm Beach, Florida as of September 30, 2011, and the respective changes in financial position, and cash flows, where applicable, thereof for the year then ended in conformity with U.S. generally accepted accounting principles. In accordance with Government Auditing Standards, we have also issued our report dated March 13, 2012, on our consideration of the Village of North Palm Beach, Florida's internal control over financial reporting and on our tests of its compliance with certain provisions of laws, regulations, contracts, grant agreements and other matters. The purpose of that report is to describe the scope of our testing of internal control over financial reporting and compliance and AMERICAN INST FUTE CIF CERTIFIED PUDUC#000UNTANT5 • FLORIDA INS7I7UTE OF OMFIM PUBMAC013UN7AN7S • CPAMERYCA INTERNATICINAL the results of that testing, and not to provide an opinion on the internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards and should be read in conjunction with this report in considering the results of our audit. Accounting principles generally accepted in the United States of America require that the management's discussion and analysis on pages 3 through 12, Pension and Other Post Employment Benefit trend information on pages 63 through 66, and budgetary comparison information on pages 67 through 68 be presented to supplement the basic financial statements. Such information, although not a part of the basic financial statements, is required by the Governmental Accounting Standards Board, who considers it to be an essential part of financial reporting for placing the basic financial statements in an appropriate operational, economic, or historical context. 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. Our audit was conducted for the purpose of forming opinions on the financial statements that collectively comprise the Village of North Palm Beach, Florida's financial statements as a whole. The introductory section, other supplemental information and statistical section, are presented for purposes of additional analysis and are not a required part of the financial statements. The other supplemental information are the responsibility of management and were derived from and relate directly to the underlying accounting and other records used to prepare the financial statements. The information has been subjected to the auditing procedures applied in the audit of the 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 information is fairly stated in all material respects in relation to the financial statements as a whole. The introductory and statistical sections have 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 them. March 13, 2012 West Palm Beach, Florida 2 MANAGEMENT'S DISCUSSION AND ANALYSIS The Village of North Palm Beach, Florida's (Village) Administration offers readers of the Village's financial statements this narrative overview and analysis of the financial activities of the Village for the fiscal year ended September 30, 2011. Please read it in conjunction with the accompanying transmittal letter beginning on page i, and the accompanying basic financial statements. TABLE 1 FINANCIAL HIGHLIGHTS (in millions) Total net assets Unrestricted net assets available for future use Governmental net assets Total revenues from all sources Governmental revenues Total cost of all Village programs Governmental revenues over (under) expenses General fund revenues over (under) expenses General fund unassigned fund balance As a percent of general fund expenditures Country Club revenues over (under) expenses Change in total long -term debt for the Village September 30, Increase/ Statement 2011 2010 (Decrease) Page # $32.14 $31.84 $0.30 13 $12.16 $10.97 $1.19 13 $29.56 $29.14 $0.42 13 $21.92 $22.66 ($0.74) 14 $18.35 $19.37 ($1.02) 14 $21.62 $21.62 $0.00 14 $0.42 $1.15 ($0.73) 15 $1.98 $0.60 $1.38 18 $10.68 $10.44 $0.24 16 64.35% 55.45% (0.11) ($0.11) ($0.10) ($0.01) 21 ($0.31) ($2.40) $2.09 USING THIS ANNUAL REPORT This annual report consists of a series of financial statements. The three components of the financial statements are: (1) Government -wide financial statements that include the Statement of Net Assets and the Statement of Activities. These statements provide information about the activities of the Village as a whole. (2) Fund financial 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 Village's operations in more detail than the government -wide statements by providing information about the Village's most significant funds. (3) Notes to the basic financial statements expand upon information reported in the government - wide and governmental fund statements. REPORTING THE VILLAGE AS A WHOLE Statement of Net Assets and the Statement of Activities (Government -wide) A frequently asked question regarding the Village's financial health is whether the year's activities contributed positively to the overall financial well being. The Statement of Net Assets and the Statement of Activities report information about the Village as a whole and about its activities in a way that helps answer this question. These statements include all assets and liabilities 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. J These two statements report the Village's net assets and changes therein. Net assets, the difference between assets and liabilities, are one way to measure the Village's financial health, or financial position. Over time, increases or decreases in net assets are an indicator of whether the financial health is improving or deteriorating. The Statement of Net Assets and the Statement of Activities present information about the following: Governmental activities - All of the Village's basic services are considered to be governmental activities, including general government, community development, public safety, public services, library, and recreation. Property taxes, sales taxes, utility taxes, and franchise fees finance most of these activities. Proprietary activities /Business type activities - The Village charges a fee to customers to cover all or most of the cost of the services provided. The Village's Country Club is reported in this category. REPORTING THE VILLAGE'S MOST SIGNIFICANT FUNDS Fund Financial Statements The fund financial statements provide detailed information about the most significant funds - not the Village as a whole. Some funds are required to be established by State law. However, management establishes other funds, which aid in the management of money for particular purposes or meet legal responsibilities associated with the usage of certain taxes, grants, and other money. The Village's three kinds of funds - governmental, proprietary, and fiduciary - use different accounting approaches as explained below. • Governmental Funds Most of the Village's basic services are reported in governmental funds. Governmental funds focus on how resources flow in and out, with balances remaining at year -end that are available for spending. These funds are reported using an accounting method called the modified accrual accounting method, 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 Village's general government operations and the basic services it provides. Governmental fund information shows whether there are more or fewer financial resources that can be spent in the near future to finance the Village's programs. The Village maintains six individual governmental funds: the General Fund, one Capital Projects Fund, and four Special Revenue Funds. Information is presented separately in the governmental fund balance sheet and in the governmental fund statement of revenues, expenditures and changes in fund balance for the General Fund and the Capital Projects Fund, both of which are considered major funds (generally accepted accounting principles define a fund as major based on that fund's size relative to the other funds of the government, or a fund may be reported as major if the government's officials believe that fund is particularly important to financial statement users). The remaining funds are considered non -major funds, and data from these governmental funds are combined into a single column for an aggregated presentation. The basic governmental fund financial statements can be found on pages 16 -19 of this report. Proprietary Funds The Village's only proprietary fund is the Country Club Fund, which 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 Assets and the Statement of Activities. The basic proprietary fund financial statements can be found on pages 20 -22 of this report. • Fiduciary Funds Fiduciary funds are used to account for resources held for the benefit of parties outside the government. The funds in this category are the Village's Pension Trust Funds and Agency Funds. Fiduciary funds are not reflected in the government -wide financial statement because the resources of those funds are not available to support the Village's own programs. The accounting used for fiduciary funds is much like that used for proprietary funds. The basic fiduciary fund financial statements can be found on pages 23 -24 of this report. GOVERNMENT -WIDE FINANCIAL ANALYSIS As noted earlier, net assets may serve over time as a useful indicator of a government's financial position. In the case of the Village, assets exceeded liabilities by $32.14 million at the close of the most recent fiscal year. A significant portion of the Village's net assets (60.46 %) reflects its investment in capital assets (e.g., land, buildings, machinery, and equipment), less any related debt used to acquire those assets that is still outstanding. The Village uses these capital assets to provide services to citizens; consequently, these assets are not available for future spending. Although the Village's investment in its capital assets is reported net of related debt, it should be noted that the resources needed to repay this debt must be provided from other sources, since the capital assets themselves cannot be used to liquidate these liabilities. Liabilities Current liabilities 1,500 Table 2 461 509 1,961 Village of North Palm Beach Long -term liabilities 1,974 1,843 4,061 Net Assets 6,035 6,200 Total liabilities 3,474 (In Thousands) 4,522 4,866 7,996 Governmental Business Activities Activities Total Invested in capital assets, 2011 2010 2011 2010 2011 2010 Assets: net of debt 17,237 18,184 2,201 Current and other assets $ 15,799 $ 14,032 $ 890 $ 943 $ 16,689 $ 14,975 Capital assets 17,237 18,184 6,219 6,621 23,456 24,805 Total assets 33,036 32,216 7,109 7,564 40,145 39,780 Liabilities Current liabilities 1,500 1,230 461 509 1,961 1,739 Long -term liabilities 1,974 1,843 4,061 4,357 6,035 6,200 Total liabilities 3,474 3,073 4,522 4,866 7,996 7,939 Net assets: Invested in capital assets, net of debt 17,237 18,184 2,201 2,295 19,438 20,479 Restricted 548 391 548 391 Unrestricted 11,776 10,568 386 403 12,162 10,971 Total net assets $ 29,561 $ 29,143 $ 2,587 $ 2,698 $ 32,148 $ 31,841 5 Governmental Activities The cost of all governmental activities this year was $17.93 million. As shown on Table 3, Changes in Net Assets, those who directly benefited from the programs paid for $2.86 million of this cost and $14.94 million was financed through general revenues. Governmental activities increased the Village's net assets by $0.42 million, thereby accounting for 136% of the total increase in the net assets of the Village. Key elements of this increase are as follows: • Program revenues are higher due to expanded recreational activities. • Due to discounts for prompt payments, State law requires that only 95% of the gross ad- valorem taxes be budgeted as revenue ($10.22 million). For the current year, the Village received $10.44 million. The increase in the above- mentioned revenues, while holding the line on operating costs, resulted in a positive impact on the Village's Governmental Activities. Additional detail is shown in Table 3, which follows on the subsequent page. Table 3 Village of North Palm Beach Changes in Net Assets (In Thousands) Governmental Business Activities Activities Total 2011 2010 2011 2010 2011 2010 Revenues: Program revenues: Charges for services $ 2,857 $ 2,802 $ 3,571 $ 3,228 $ 6,428 $ 6,030 Operating grants and contributions 127 97 127 97 Capital grants and contributions 5 76 5 76 General revenues: Property taxes 10,442 11,053 10,442 11,053 Local option gas taxes 260 266 260 266 Utility service taxes 2,198 2,261 2,198 2,261 Sales and use taxes 1,141 1,115 1,141 1,115 Franchise taxes 1,191 1,204 1,191 1,204 Investment earnings 97 280 9 14 106 294 Miscellaneous 31 186 31 186 Gain on asset disposals 28 55 83 Total revenues 18,349 19,368 3,580 3,297 21,929 22,665 Expenses: Program expenses: General Government 2,404 2,679 2,404 2,679 Public Safety 7,233 7,304 7,233 7,304 Public Works 4,734 4,595 4,734 4,595 Community Development & Planning 811 807 811 807 Leisure Services 2,749 2,830 2,749 2,830 Interest on long -term debt 4 4 Country Club 3,691 3,398 3,691 3,398 Total expenses 17,931 18,219 3,691 3,398 21,622 21,617 Increase (decrease) in net assets 418 1,149 (111) (101) 307 1,048 Net assets - beginning of year 29,143 27,994 2,698 2,799 31,842 30,793 Net assets - end of year $ 29,561 $ 29,143 $ 2,587 $ 2,698 $ 32,149 $ 31,841 7 The Village's programs include General Government, Public Safety, Public Works, Community Development & Planning, and Leisure Services. Each program's net cost (total cost, less revenues generated by the activities) is presented below. The net cost shows the extent to which the Village's general taxes support each of the Village's programs. Table 4 Village of North Palm Beach Cost of services (In Thousands) $ 17,931 $ (14,941) $ 18,219 $ (15,244) At the end of the current year, as compared to the prior year, many of the departments realized a decrease in their overall costs (for example, General Government decreased by $0.28 million, Public Safety decreased by $0.07 million, and Leisure Services decreased by $0.08 million). The decrease is a result of Department Directors reducing spending to counter the decrease in revenues. Public Works realized an increase of $0.14 million primarily due to the Village -wide street sign project. Business Type Activities Charges for Services (revenues) in the Business Type Activities experienced an overall increase ($0.34 million) from that of the previous year. Also, during this same time period, expenses increased by $0.29 million. Net assets of the Proprietary Fund (Country Club) at September 30 2011 were $2.58 million. Net assets decreased by $111,836. The changes in Business Type Activities can be directly tied to the Village's acquisition of the Food & Beverage Operations (resulting in an increase in both revenues & expenses). 8 2011 2010 Total Cost Net Cost Total Cost Net Cost of Services of Services of Services of Services General government $ 2,404 $ (2,266) $ 2,679 $ (2,547) Public safety 7,233 (6,773) 7,304 (6,771) Public works 4,734 (4,263) 4,595 (4,132) Community development and planning 811 50 807 (72) Leisure services 2,749 (1,689) 2,830 (1,718) Interest on long -term debt 4 (4) $ 17,931 $ (14,941) $ 18,219 $ (15,244) At the end of the current year, as compared to the prior year, many of the departments realized a decrease in their overall costs (for example, General Government decreased by $0.28 million, Public Safety decreased by $0.07 million, and Leisure Services decreased by $0.08 million). The decrease is a result of Department Directors reducing spending to counter the decrease in revenues. Public Works realized an increase of $0.14 million primarily due to the Village -wide street sign project. Business Type Activities Charges for Services (revenues) in the Business Type Activities experienced an overall increase ($0.34 million) from that of the previous year. Also, during this same time period, expenses increased by $0.29 million. Net assets of the Proprietary Fund (Country Club) at September 30 2011 were $2.58 million. Net assets decreased by $111,836. The changes in Business Type Activities can be directly tied to the Village's acquisition of the Food & Beverage Operations (resulting in an increase in both revenues & expenses). 8 FINANCIAL ANALYSIS OF THE VILLAGE'S FUNDS As noted earlier, the Village uses fund accounting to ensure and demonstrate compliance with finance - related legal requirements. Governmental Funds - The focus of the Village's governmental funds is to provide information on near - term inflows, outflows, and balances of spendable resources. Such information is useful in assessing the Village's financing requirements. In particular, unrestricted (unassigned /assigned) fund balance may serve as a useful measure of a government's net resources available for spending at the end of the fiscal year. At the end of the current fiscal year, the combined fund balance for all Governmental Funds was $13.54 million, a $1.59 increase over the 2010 fund balance of $11.95 million. Approximately 94% of the combined ending fund balance ($12.71 million) constitutes unrestricted (unassigned/assigned) fund balance, which is available for spending at the government's discretion. The remainder of fund balance ($0.83 million) is restricted (non - spendable /restricted) to indicate that it is not available for new spending because it has already been committed for a variety of other restricted purposes. The General Fund is the chief operating fund of the Village. At the end of the current fiscal year, unassigned fund balance of the General Fund was $10.68 million while the General Fund total fund balance was $11.70 million. As a measure of the General Fund's liquidity, it may be useful to compare both unassigned fund balance and total fund balance to total fund expenditures. Unassigned fund balance is 64% of total general fund expenditures, while total fund balance represents 70% of that same amount. The general fund unassigned fund balance ($10.68 million) represents an increase of $0.24 million over the 2010 unassigned general fund balance of $10.44 million. Key elements of this increase are listed below: • Program revenues are higher due to expanded recreational activities. • Due to discounts for prompt payments, State law requires that only 95% of the gross ad- valorem taxes be budgeted as revenue ($10.22 million). For the current year, the Village received $10.44 million. The increase in the above- mentioned revenues, while holding the line on operating costs, resulted in a positive impact in the Village's General Fund. General Fund Budgetary Highlights Differences between the original budget and the final amended budget were $ 951,278 and can be briefly summarized as follows: • Street Signs Project ($270,819) • Community Development Software ($89,222) • Small Business Grant Cam, over ($100,000) • Prior Year Open Purchase Order Carryover ($4,245) • Southwest Neighborhood Project ($431,992) • Pool Equipment Room ($55,000) General Fund Budget Analysis As shown on pages 69 -71 of this report, in the Schedule of Departmental Expenditures — Budget and Actual, there was a favorable budget to actual cost variance of $511,411 in General Fund Departmental Expenditures. The areas of significant budget to actual variances for the General Fund expenditures are summarized below: • The Village realized an overall budgetary savings of $161,960 in its anticipated employee related costs: during the budgeting process, various assumptions, along with previous year costs, are used in the development of the current year budget. The actual costs came in well under the projected budgeted amount. To counter the decrease in revenue brought about by property tax reform and the economic downturn, the Village Manager directed Department Directors to reduce spending in a manner that would minimize the impact on our residents. This required seeking new ways to serve our customers. The Directors did an admirable job identifying areas to cut costs resulting in favorable budget variances. The Village saw overall budgetary savings in operating costs of $256,360. The areas of significant budget to actual variances for the General Fund operating costs are summarized below: o The Village saw overall budgetary savings in its utility costs ($86,465): the budgeted amount included a ten percent increase for utilities, but the actual costs were well under the budgeted amount. o During the previous year, the Village implemented a "Small Business Grant Program" and appropriated $100,000 from Council Contingency to fund this program. The program is administered through the Community Development Department and is structured to provide matching grants of up to $5,000 for improvements to small business properties. Businesses would be required to match each dollar of grant funds with one dollar from their own funds. Businesses must complete an application and will have to meet certain criteria to qualify. In 2011, there was only one (1) application that was approved for the Grant which resulted in a budgetary savings ($95,000) in the Community Development Department. CAPITAL ASSET AND DEBT ADMINISTRATION Capital Assets The capital assets of the Village are those assets that are used in the performance of Village functions. Capital assets include equipment, buildings, land, and park facilities etc. The Village has elected to retroactively apply the capitalization requirements of GASB Statement No 34 to major general infrastructure assets acquired in fiscal years ending after June 30, 1980, or that were significantly reconstructed or improved during that multiyear period. The Village's investment in capital assets for its governmental and business -type activities as of September 30, 2011 and 2010 amounts to $23.42 million and $24.76 million, respectively (net of accumulated depreciation). 10 Table 5 Village of North Palm Beach Capital Assets (In Thousands) Governmental Business Activities Activities 2011 2010 2011 2010 Total 2011 2010 Land $ 2,151 $ 2,151 $ 1,051 $ 1,051 $ 3,202 $ 3,202 Construction in progress 212 142 Total $ $ $ 4,018 212 142 Buildings and improvements 22,090 21,647 1,405 1,405 23,495 23,052 Improvements other than buildings 272 357 272 357 Improvements - golf course 5,824 5,824 5,824 5,824 Furniture, fixtures and equipment 6,959 6,999 678 780 7,637 7,779 Total assets 31,412 30,939 9,230 9,417 40,642 40,356 Less accumulated depreciation (14,175) (12,755) (3,050) (2,840) (17,225) (15,595) Net assets $ 17,237 $ 18,184 $ 6,180 $ 6,577 $ 23,417 $ 24,761 Additional information on the Village's capital assets can be found in Note 7 on page 43 of this report. Debt Currently, the Village uses debt financing on an as- needed basis each year. At the end of the current fiscal year, the Village had total long -term debt of $4.02 million, all of which is in business -type activities. The last outstanding debt instrument in the General Fund was satisfied in 2010; therefore, there is no long -term debt outstanding in the Village's governmental activities. None of the Village's long -term debt comprises debt backed by the full faith and credit of the government. Table 6 Village of North Palm Beach Outstanding Debt (In Thousands) Governmental Activities 2011 2010 Business Activities 2011 2010 Total 2011 2010 Loans payable $ 3,845 $ 4,090 $ 3,845 $ 4,090 Capital leases 173 235 173 235 Total $ $ $ 4,018 $ 4,325 $ 4,018 $ 4,325 Additional information on the Village's debt can be found in Note 8 on page 45 of this report. 11 NEXT YEAR'S BUDGET AND ECONOMIC FACTORS The Village's Unassigned Fund Balance is viewed by the Administration as a measurement of Village financial stability. Unassigned general fund balance increased to $10.68 million during the current 2011 fiscal year. The Village is now ready to address the economic challenges anticipated in the next few years. The economic outlook for the primary revenue source for Florida municipalities will be challenging, as cities are facing state mandated reductions of property taxes. In an effort to provide tax relief and spur the slumping housing market, the State legislature focused on property tax reform in the 2007 session. House Bill 1B was enacted to limit the authority of local governments to levi,- ad valorem taxes for the FY 2008 budget year and beyond. The economic downturn and decline in property values have significantly impacted Village revenues. To address the impact of the legislation, continuing increases in the cost of employee compensation and benefits, and the reduction of revenues, the Village will need to continue to prioritize essential services and desired levels of service to allocate sufficient funding in future budget years. CONTACTING THE VILLAGE'S FINANCIAL MANAGEMENT This financial report is designed to provide our citizens, taxpayers, customers, investors, and creditors with a general overview of the Village's finances and to show the Village's accountability for the money it receives. If you have questions about this report or need additional financial information, contact the Village's Finance Department, at the Village of North Palm Beach, 501 U.S. Highway 1, North Palm Beach, Florida 33408. 12 BASIC FINANCIAL STATEMENTS THE VILLAGE OF NORTH PALM BEACH, FLORIDA Statement of Net Assets September 30, 2011 Assets Cash and cash equivalents Investments Accounts receivable Developer fee receivable Inventories Prepaids Due from other governments Restricted assets: Cash and cash equivalents Net pension assets Intangible assets, net of amortization Capital assets: Nondepreciable Depreciable (net of depreciation) Total assets Liabilities Accounts payable Accrued liabilities Deposits Unearned revenue Noncurrent liabilities: Due within one year Due in more than one year Total liabilities Net Assets Invested in capital assets, net of related debt Restricted for: Recreation Public safety Streets and roads Library Other purposes Unrestricted Total net assets Governmental Business -type Activities Activities Total $ 5,179,720 $ 749,286 $ 5,929,006 8,451,395 5,128,587 8,451,395 356,486 31,562 388,048 175,000 11,775,621 175,000 41,660 67,221 108,881 235,264 41,461 276,725 225,644 225,644 548,489 548,489 584,560 584,560 39,042 39,042 2,362,714 1,051,311 3,414,025 14,874,641 5,128,587 20,003228 33,035,573 7,108,470 40,144,043 444,016 119,990 564,006 571,428 571,428 5,250 5,250 483,866 334,746 818,612 836,443 314,930 1,151,373 1,138,355 3,747,004 4,885,359 3,474,108 4,521,920 7,996,028 17,237,355 2,200,928 19,438,283 413,500 413,500 50,009 50,009 49,329 49,329 23,406 23,406 12,245 12,245 11,775,621 385,622 12,161,243 $ 29,561,465 $ 2,586,550 $ 32,148,015 See notes to the financial statements. 13 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Statement of Activities For the Year Ended September 30, 2011 Functions/Programs Expenses Government: Governmental activities General government Public safety Public works Community development and planning Leisure services Total governmental activities Business -type activities - country club Total business -type activities Total government 14 Charges for Activities 2,403,681 $ 130,886 7,232,748 420,653 4,733,913 400,662 811,177 861,394 2,749,065 1,043,459 17,930,584 2,857,054 3,691,528 3,571,199 3,691,528 3,571,199 $ 21,622,112 $ 6,428,253 Program Revenues Net Expense (Revenue) and Operating Capital Changes in Net Assets Grants and Grants and Governmental Business -type Contributions Contributions Activities Activities Total $ 6,466 $ $ (2,266,329) $ $ (2,266,329) 33,570 5,169 (6,773,356) (6,773,356) 69,938 (4,263,313) (4,263,313) 50,217 50,217 16,594 (1,689,012) (1,689,012) 126,568 5,169 (14,941,793) (14,941,793) $ 126,568 $ 5,169 General Revenues: Taxes: Property taxes Local option gas taxes Utility service taxes Franchise taxes Sales and use taxes Investment income Miscellaneous Total general revenues Change in net assets Net assets, beginning of year Net assets, end of year (120,329) (120,329) (120,329) (120,329) 2,198,148 2,198,148 (14,941,793) (120,329) (15,062,122) 10,441,869 10,441,869 259,794 259,794 2,198,148 2,198,148 1,191,155 1,191,155 1,140,744 1,140,744 97,743 8,493 106,236 30,622 30,622 15,360,075 8,493 15,368,568 418,282 (111,836) 306,446 29,143,183 2,698,386 31,841,569 $ 29,561,465 $ 2,586.550 $ 32.148.015 See notes to the financial statements. 15 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Balance Sheet Governmental Funds September 30, 2011 Assets Cash and cash equivalents Investments Accounts receivable Developer fee receivable Inventories Prepaids Due from other funds Due from other governments Restricted cash and cash equivalents Total assets Liabilities and fund balances Liabilities Accounts payable Accrued liabilities Due to other funds Deferred revenue Total liabilities $ 304.998 $ 86.178 S 52.840 $ 444.016 571.428 571.428 44,028 44.028 658.866 658.866 1535292 86.178 96.868 1.718.338 Fund balances Capital Nonmajor Total Projects Governmental Governmental General Fund Funds Funds Recreation 413.500 413.500 Streets and roads $ 3254.861 $ 1.833.724 $ 91.135 $ 5.179.720 8.451395 Library 23A06 8.451395 356.486 12245 12245 356.486 175.000 Small business grants 175.000 41.660 Subsquent year's expenditures 9L594 41.660 235264 47.107 47.107 235264 1.791.574 44.028 Unassigned 44.028 171804 Total fund balances 51840 225.644 548.489 S 13235.959 S 1.877.752 S 143.975 S 15.252686 548.489 $ 13235959 S 1.877.752 $ 143.975 $ 15252686 $ 304.998 $ 86.178 S 52.840 $ 444.016 571.428 571.428 44,028 44.028 658.866 658.866 1535292 86.178 96.868 1.718.338 Fund balances Nonspendable: Inventories and prepaids 276.924 276.924 Restricted for: Recreation 413.500 413.500 Streets and roads 50.009 50.009 Public safety 49329 49329 Library 23A06 23A06 Other purposes 12245 12245 Assigned for: Small business grants 95.000 95.000 Subsquent year's expenditures 9L594 9L594 Special revenue funds 47.107 47.107 Capital project funds 1.791.574 1.791.574 Unassigned 10.688.660 10.688.660 Total fund balances 11.700.667 1.791574 47.107 13.539348 Total liabilities and fund balances S 13235.959 S 1.877.752 S 143.975 S 15.252686 See notes to the financial statements. 16 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Reconciliation of the Balance Sheet — Governmental Funds to the Statement of Net Assets Governmental Funds September 30, 2011 Fund balances- total govermnentalfunds $ 13,539,348 Amounts reported for governmental activities in the statement of net assets are different because: Capital assets used in govermnental activities are not financial resources and therefore are not reported in the governmental funds: Governmental capital assets $ 31,412,880 Less: accumulated depreciation (14,175,525) 17237,355 Revenue is recognized when earned in the government -wide statements, regardless of activity. Governmental funds report based on modified accrual, i.e., both measurable and available: Developer fee 175,000 Net pension assets related to defined benefit pension plans are not available to pay for current -period expenditures and, therefore, are not reported as assets in the govermnental funds: 584,560 Long -tern liabilities, including notes and bonds payable, are not due and payable in the current period and therefore are not reported in the govermnental funds. Long tern liabilities at year -end consist of: Claims and settlements (18,463) Other postemployement benefits (761,417) Accrued compensated absences (1,194,918) (1,974,798) Net assets of govermnental activities $ 29,561,465 See notes to the financial statements. 17 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Statement of Revenues, Expenditures, and Changes in Fund Balances Governmental Funds For the Year Ended September 30, 2011 Revenues Taxes Licenses and permits Intergovernmental Charges for services Fines and forfeitures Investment Miscellaneous Total revenues Expenditures Current General government Public safetv Public works Community development and planning Leisure services - recreation Capital outla -y Total expenditures Excess (deficiency) of revenues over (under) expenditures Other financing sources (uses) Transfers in Transfers out Total other financing sources (uses) Net change in fund balances Fund balances Beginning of year End of year See notes to the financial statements. 18 Capital Nonmajor Total Projects Governmental Governmental General Fund Funds Funds $ 14,090,966 $ $ $ 14,090,966 959,098 959,098 1,287,638 269,739 1,557,377 1,934,424 1,934,424 164,366 164,366 97,743 97,743 59,462 59,462 18,593,697 269,739 18,863,436 2,402,241 2,402,241 6,788,712 264,570 7,053,282 4,044,642 4,044,642 790,937 790,937 2,295,959 2,295,959 288,514 388,102 5,441 682,057 16,611,005 388,102 270,011 17,269,118 1,982,692 (388,102) (272) 1,594,318 1,334,934 1,334,934 (1,334,934) (1,334,934) (1,334,934) 1,334,934 647,758 946,832 (272) 1,594,318 11,052,909 844,742 47,379 11,945,030 $ 11,700,667 $ 1,791,574 $ 47,107 $ 13,539,348 See notes to the financial statements. 18 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Reconciliation of the Statement of Revenues, Expenditures, and Changes in Fund Balances of the Governmental Funds to the Statement of Activities For the Year Ended September 30, 2011 Net chance in fund balances - total sovernmental funds $ 1,594,318 Amounts reported for governmental activities in the statement of activities are different because: Governmental funds report capital outlays as expenditures. However, in the statement of activities, the cost of capital assets is allocated over their estimated useful lives and reported as depreciation expense: Expenditures for capital assets $ 676,616 Less: current year depreciation (1,623,233) (946,617) Gains and losses on disposal of capital assets are reported in the statement of activities, whereas in the sovernmental funds the proceeds from the sale increases financial resources. The difference is the net book value of the assets retired: Net book value for retired assets (536) Governmental funds report revenues when earned and available. However, in the Statement of Activities, revenues are recognized when earned, resardless of availability: Developer fee (250,000) Expenses that do not use current financial resources are not reported on the sovernmental funds but are included in the statement of activities: Chance in lons -term compensated absences (12,694) Chance in net pension asset of defined benefit pension plans 152,561 Chance in other postemployement benefits (243,125) Chance in insurance liability 124,375 21,117 Change in net assets $ 418,282 See notes to the financial statements. 19 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Statement of Net Assets Proprietary Fund September 30, 2011 Assets Current assets Cash and cash equivalents Accounts receivable Inventories Prepaids Total current assets Non - current assets Intangible asset, net Land, buildings, and equipment, net Total non - current assets Total assets Liabilities Current liabilities Accounts payable Deposits Deferred revenue Compensated absences - current portion Capital leases - current portion Loans payable - current portion Total current liabilities Non - current liabilities Other postemployement benefits Compensated absences Capital leases Loans payable Total non - current liabilities Total liabilities Net Assets Invested in capital assets, net of related debt Unrestricted Total net assets Enterprise $ 749,286 31,562 67,221 41,461 889,530 39,042 6,179,898 6,218,940 7,108,470 119,990 5,250 334,746 11,539 66,150 237,241 774,916 28,434 3,949 106,934 3,607,687 3,747,004 4,521,920 2,200,928 385,622 $ 2,586,550 See notes to the financial statements. 20 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Statement of Revenues, Expenses, and Changes in Fund Net Assets Proprietary Fund For the Year Ended September 30, 2011 Operating expenses Golf course maintenance expenses Enterprise Operating revenue 84,485 Greens fee /cart rentals /membership fees $ 2,372,337 Golf shop revenues 283,927 Driving range revenues 208,865 Restaurant revenues 700,378 Miscellaneous 5,692 Total operating revenues 3,571,199 Operating expenses Golf course maintenance expenses 1,232,462 Clubhouse grounds expenses 84,485 Golf shop expenses 748,336 Food and beverage expenses 838,519 Administrative and general 104,659 Insurance 40,840 Depreciation and amortization 457,747 Total operating expenses 3,507,048 Operating income 64,151 Nonoperating revenues (expenses) Interest revenue 8,493 Interest expense (180,125) Gain on disposal of capital assets (4,355) Total nonoperating revenues (expenses) (175,987) Change in net assets (111,836) Net assets - beginning 2,698,386 Net assets - ending $ 2,586,550 See notes to the financial statements. 21 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Statement of Cash Flows Proprietary Fund For the Year Ended September 30, 2011 Cash flows from operating activities: Receipts from customers Payments to suppliers for goods or services Payments to employees for services Net cash provided by operating activities Cash flows from capital and related financing activities: Principal paid on long term debt Interest paid on debt Acquisition of capital assets Net cash provided (used) by capital and related financing activities Cash flows from investing activities: Interest and dividends on investments Net increase (decrease) in cash and cash equivalents Cash and cash equivalents at beginning of year Cash and cash equivalents at end of year Reconciliation of operating income to net cash provided by operating activities: Operating income Adjustments to reconcile operating income to net cash provided by operating activities: Depreciation Other revenues Change in assets and liabilities Decrease in accounts receivable (Increase) in inventory Decrease in prepaids Increase in accounts payable Increase in deposits Increase in compensated absences payable (Decrease) in deferred revenue Increase in other postemployment benefits Total adjustments Net cash provided by operating activities See notes to the financial statements. 22 Enterprise $ 3,492,556 (2,326,886) (711,171) 454,499 (307,448) (180,723) (60,457) (548,628) 8,493 (85,636) 834,922 $ 749,286 $ 64,151 457,747 5,359 (6,947) (29,700) 36,176 1,717 9,079 (85,719) 2,636 390,348 $ 454,499 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Statement of Fiduciary Net Assets Fiduciary Funds September 30, 2011 Assets Cash and cash equivalents Investments: Common equity securities U.S. Government agencies Municipal bonds Corporate bonds U.S. Treasury bonds Equity mutual funds Fixed income mutual funds Accrued interest and dividends Accounts receivable Prepaids Total assets Liabilities Accounts payable Due to others Total liabilities Net Assets Held in trust for pension benefits and other purposes Employee Retirement Funds $ 1,314,241 4,980,195 1,067,419 146,431 2,459,279 326,235 4,076,260 2,589,419 49,550 Agency Funds $ 346,499 103,936 216,394 17,329,359 346,499 41,412 346,499 41,412 346,499 $ 17,287,947 $ See notes to the financial statements. 23 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Statement of Changes in Fiduciary Net Assets Fiduciary Funds For the Year Ended September 30, 2011 Investment earnings Dividends and interest 325,300 Net increase in fair value of investments (542,086) Total investment losses (216,786) Less: investment expenses 116,377 Total net investment losses (333,163) Total additions 1,493,743 Deductions Administrative expense 104,677 Benefits 1,078,699 Refund of contributions 36,256 Total deductions 1,219,632 Change in net assets 274,111 Net assets - beginning 17,013,836 Net assets - ending $ 17,287,947 See notes to the financial statements. 24 Employee Retirement Funds Additions Contributions Employer $ 1,293,732 Plan members 268,604 State on- behalf payments 264,570 Total contributions 1,826,906 Investment earnings Dividends and interest 325,300 Net increase in fair value of investments (542,086) Total investment losses (216,786) Less: investment expenses 116,377 Total net investment losses (333,163) Total additions 1,493,743 Deductions Administrative expense 104,677 Benefits 1,078,699 Refund of contributions 36,256 Total deductions 1,219,632 Change in net assets 274,111 Net assets - beginning 17,013,836 Net assets - ending $ 17,287,947 See notes to the financial statements. 24 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE I — SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES A. Reporting Entity The Village of North Palm Beach, Florida ( "the Village ") was incorporated in 1956 pursuant to Chapter 31481, Laws of Florida, Extraordinary Session 1956. The Village is located in the northeast portion of Palm Beach County, Florida. Its municipal area comprises approximately 1,900 acres of land and 1,200 acres of lakes, canals and lagoons. The Village's nonseasonal population consists of approximately 13,000 residents, which increases during the winter months to approximately 18,000 people. The Village operates under the Council- Manager form of government and provides the following services to its residents: public safety, planning and zoning, sanitation, library, parks, marinas, and a country club. The Village Council (the "Council ") is responsible for legislative and fiscal control of the Village. In accordance with Statement 14 of the Government Accounting Standards Board, the underlying concept of the governmental financial reporting entity is that governmental organizations are responsible to elected governing officials; therefore, financial reporting should report the elected officials' accountability for those organizations. Furthermore, the financial statements of the reporting entity should allow users to distinguish between the primary government and its component units, if any, by communicating information about the component units and their relationships with the primary government. A component unit is a legally separate organization for which the elected officials of the primary government are financially accountable. Determining factors of financial accountability includes appointment of a voting majority, imposition of will, financial benefit or burden on a primary government, or fiscal dependency. In addition, component units can be other organizations for which the nature and significance of their relationship with a primary government are such that exclusion would cause the reporting entity's financial statements to be misleading or incomplete. Based on the application of these criteria, management has determined that no component units exist which would require inclusion in this report. Further, the Village is not aware of any entity that would consider the Village to be a component unit. B. Governmentwide and Fund Financial Statements The government -wide financial statements (i.e., the statement of net assets and the statement of activities) report information on all of the non - fiduciary activities of the Village. For the most part, the effect of interfund activities has been removed from these statements. Governmental activities, which are normally supported by taxes and intergovernmental revenues, are reported separately from business -type activities, which rely to a significant extent on fees and charges for support. 25 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE I — SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) B. Government-u) ide and Fund Financial Statements (Continued) The statement of activities demonstrates the degree to which the direct expenses of a given function or segment are offset by program revenues. Direct expenses are those that are clearly identifiable with a specific function or segment. Program revenues include 1) charges to customers or applicants who purchase, use, or directly benefit from goods, services, or privileges provided by a given function or segment, and 2) grants and contributions that are restricted to meeting the operational or capital requirements of a particular function or segment. Taxes and other items not properly included among program revenues are reported instead as general revenues. Separate financial statements are provided for governmental funds, proprietary funds, and fiduciary funds, even though the latter are excluded from the government -wide financial statements. Major individual governmental funds and the major individual enterprise fund are reported as separate columns in the fund financial statements. C. Measurement Focus, Basis of Accounting and Financial Statement Presentation The government -wide financial statements and proprietary fund financial statements are reported using the accrual basis of accounting and the economic resources measurement focus. Fiduciary funds use the accrual basis of accounting and, except for agency funds, the economic resources measurement focus. Agency funds do not have a measurement focus. Revenues are recorded when earned and expenses are recorded when a liability is incurred, regardless of the timing of related cash flows. Property taxes are recognized as revenues in the year for which they are levied. Grants and similar items are recognized as revenue as soon as all eligibility requirements imposed by the provider have been met. Governmental fund financial statements are reported using the current financial resources measurement focus and the modified accrual basis of accounting. Revenues are recognized as soon as they are both measurable and available. Revenues are considered to be available when they are collectible within the current period or soon enough thereafter to pay liabilities of the current period. For this purpose, the Village considers revenues to be available when they are collectible within the current period or soon enough thereafter to pay liabilities of the current period. For this purpose, the Village considers revenues to be available if they are collected within 60 days of the end of the current fiscal period. Expenditures generally are recorded when a liability is incurred, as under accrual accounting. However, debt service expenditures, as well as expenditures related to compensated absences and claims and judgments, are recorded only when payment is due. Property taxes, sales taxes, franchise taxes, licenses, intergovernmental revenue, investment income, and charges for services are all considered to be susceptible to accrual and so have been recognized as revenue of the current fiscal period. All other revenues are considered to be measurable and available only when received in cash by the Village. 26 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 1— SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) C. Measurement Focus, Basis of Accounting and Financial Statement Presentation (Continued) The Village reports the following major governmental funds: General Fund The general fund is the primary operating fund and is used to account for all financial resources applicable to the general operations of the Village except those required to be accounted for in another fund. Capital Projects Fund The capital projects fund is used to account for the cost of acquiring, constructing, and placing into service those capital improvements which are associated with activities in the General Fund. The Village reports the following major (and only) proprietary fund: Country Club Enterprise Fund The fund accounts for the activities related to the Country Club. Additionally, the Village reports the following fund and types: Special Revenue Funds The Village has four special revenue funds to account for the proceeds of specific revenue sources that are legally restricted to expenditures for specific sources. The funds are the Public Safety Fund, Northlake Boulevard Fund, Recreation, and On- Behalf Pension Contributions. Employee Retirement Funds The pension trust funds account for the activities of the General Employees Retirement Fund, the Fire and Police Officers Retirement Fund and the Volunteer Firemen's Length of Service Award Pension Fund, which accumulate resources for pension benefits to qualified employees. 27 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 1— SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) C. Measurement Focus, Basis of Accounting and Financial Statement Presentation (Continued) Agency Funds The Agency Funds account for assets that are held for other parties and cannot be used to finance the Village's own programs. The two agency funds are the Northlake Boulevard Task Force, which is for the streetscape improvement of Northlake Boulevard, and the Manatee Protection Fund, in which the assets are held in trust for the protection of manatees through the enforcement of boat speed zones on the intracoastal and inland waterways. Private sector standards of accounting and financial reporting issued prior to December 1, 1989, generally are followed in both the government -wide and proprietary fund financial statements to the extent that those standards do not conflict with or contradict guidance of GASB. Governments also have the option of following subsequent private sector guidance for their business -type activities and enterprise funds, subject to this same limitation. The Village has elected not to follow subsequent private sector guidance. As a general rule, the effect of interfund activity has been eliminated from the government -wide financial statements. Exceptions to this general rule are charges between the government's country club and various other functions of the Village. Elimination of these charges would distort the direct costs and program revenues reported for the various functions concerned. Proprietary funds distinguish operating revenues and expenses from non - operating items. Operating revenues and expenses generally result from providing services and producing and delivering goods in connection with a proprietary fund's principal ongoing operations. The principal operating revenues of the Village's Country Club Enterprise Fund are charges to customers for sales and services. Operating expenses for the Enterprise Fund include the cost of sales and services, administrative expenses and depreciation on capital assets. All revenues and expenses not meeting this definition are reported as non - operating revenues and expenses. When both restricted and unrestricted resources are available for use, it is the Village's policy to use restricted resources first, then unrestricted resources as they are needed. D. Assets, Liabilities, and Net Assets or Equity Cash and Cash Equivalents All short-term investments that are highly liquid are considered to be cash equivalents. Cash equivalents are readily convertible to a known amount of cash, and at the day of purchase, have a maturity date no longer than three months. M. THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 1— SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) D. Assets, Liabilities, and Net Assets or Equity (Continued) Accounts Receivable Accounts receivable of the General Fund consists of billed and unbilled receivables. Concentration of Credit Risk The Village performs ongoing credit evaluations of its customers and does not require collateral. The Village maintains an allowance for uncollectible accounts at a level which management believes is sufficient to cover potential credit losses. Investments Investments are reported at fair value, which is determined by using various third -party pricing sources. The Local Government Surplus Funds Trust Fund, administered by the Florida State Board of Administration, is a "2a -7 like" pool and these investments are valued using the pooled share price. Interfund Transactions Activity between funds that is representative of lending/borrowing arrangements outstanding at the end of the fiscal year are referred to as either "due td' or "due from other funds ". Any residual balance outstanding between the governmental activities and business -type activities are reported in the government -wide financial statements as internal balances. Transfers and interfund balances totally within governmental activities and those that are totally within business -type activities are eliminated and not presented in the government wide financial statements. Transfers and balances between governmental and business -type activities are presented in the government -wide financial statements. Inventories and prepaid items Inventories are valued at cost determined on a last -in, first -out basis (LIFO). Inventories in the General Fund consist of expendable supplies held for consumption. Inventories in the Enterprise Fund consist of goods for sale to the public. The initial cost is recorded as an asset at the time the individual inventory items are purchased and are charged against operations in the period when used. Certain payments to vendors reflect costs applicable to future accounting periods and are recorded as prepaid items in both government -wide and fund financial statements. 29 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 1— SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) D. Assets, Liabilities, and Net Assets or Equity (Continued) Capital Assets and Depreciation Capital assets, which include property, plant, infrastructure, and equipment, are reported in the applicable governmental or business -type activities column in the government -wide financial statements. The Village capitalizes all land purchases. The capitalization policy for other assets are items with an estimated life in excess of one year and an initial individual cost of $250,000 for infrastructure, $25,000 for land improvements, $50,000 for buildings and building improvements, and $5,000 for equipment and vehicles. The Village has elected to retroactively apply the capitalization requirements of GASB Statement No. 34 to major general infrastructure assets acquired in fiscal years ending after June 30, 1980, or that were significantly reconstructed or improved during that multi -year period. Infrastructure is reported in buildings and improvements. The accounting and reporting treatment applied to the capital assets associated with a fund are determined by its measurement focus. General capital assets are assets of the Village as a whole. When purchased, such assets are recorded as expenditures in the governmental funds and capitalized as assets in the government -wide statement of net assets. General capital assets are carried at historical cost. Where cost cannot be determined from the available records, estimated historical cost has been used to record the estimated value of the assets. Assets acquired by gifts or bequests are recorded at their fair value at the date of acquisition. Capital assets of the Enterprise Fund are capitalized in the fund. The valuation basis for Enterprise Fund capital assets is the same as those used for General capital assets. Additionally, net interest cost is capitalized on Enterprise Fund projects during the construction period. Additions, improvements, and other capital outlay that significantly extend the useful life of an asset are capitalized. Other costs incurred for repairs and maintenance are expensed as incurred. Depreciation has been provided over the estimated useful lives using the straight -line method of depreciation. The estimated lives for each major class of depreciable capital assets are as follows: Buildings, improvements and infrastructure 5 -30 years Golf course improvements 5 -30 years Machinery and Equipment 3 -15 years Vehicles 3 -20 years 30 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE I — SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) D. Assets, Liabilities, and Net Assets or Equity (Continued) Deferred Revenue The government reports deferred revenue on its government wide statement of net assets, proprietary statement of net assets, and governmental funds balance sheet. Deferred revenues arise when potential revenue does not meet both the "measurable" and "available" criteria for recognition in the current period. Deferred revenues also arise when the government receives resources before it has a legal claim to them, as when grant monies are received prior to incurring qualifying expenditures. In subsequent periods, when both revenue recognition criteria are met, or when the government has a legal claim to the resources, the liability for deferred revenue is removed and revenue is recognized. Compensated Absences The Village's employees are granted compensated absence pay for vacation and sick leave in varying amounts based on length of service. Unused compensated absences are payable upon separation from service. Vacation is accrued as a liability when the employee earns benefits. This means that the employee has rendered services that give rise to a vacation liability and it is probable that the Village will compensate the employee in some manner, e.g., in cash or paid time -off, now or upon termination or retirement. The Village uses the vesting method in accruing sick leave liability. Under the vesting method, the liability for sick leave is accrued for employees who are eligible to receive termination payments upon separation. Compensated absences are accrued when incurred in the government -wide and proprietary financial statements. A liability for these amounts is reported in the governmental funds only if they have matured, for example, as a result of employee resignations or retirements. For the governmental funds, compensated absences are liquidated by the General Fund. Long -Term Obligations In the government -wide financial statements, and proprietary fund types in the fund financial statements, long -term debt and other long -term obligations are reported as liabilities in the applicable governmental activities, business -type activities, or proprietary fund type statement of net assets. Bond premiums and discounts, as well as issuance costs, are deferred and amortized over the life of the bonds using the effective interest method. Bonds payable are reported net of the applicable bond premium or discount. Bond issuance costs are reported as deferred charges and amortized over the term of the related debt. 31 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 1— SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) D. Assets, Liabilities, and Net Assets or Equity (Continued) Long -Term Obligations (Continued) In the fund financial statements, governmental fund types recognize bond premiums and discounts, as well as bond issuance costs, during the current period. The face amount of debt issued is reported as other financing sources. Premiums received on debt issuances are reported as other financing sources, while discounts on debt issuances are reported as other financing uses. Issuance costs, whether or not withheld from the actual debt proceeds received, are reported as debt service expenditures. Net Assets Equity in the government -wide statement of net assets and the proprietary fund is displayed in three categories: 1) invested in capital assets net of related debt, 2) restricted, and 3) unrestricted. Net assets invested in capital assets net of related debt consists of capital assets reduced by accumulated depreciation and by any outstanding debt incurred to acquire, construct, or improve those assets. Net assets are reported as restricted when there are legal limitations imposed on their use by Village legislation or external restrictions by other governments, creditors, or grantors. Unrestricted net assets consist of all net assets that do not meet the definition of either of the other three components. Fund Equity Fund balance is the difference between assets and liabilities reported in governmental funds. There are five possible components of fund balance: • Nonspendable fund balance represents amounts that are not in spendable form or are legally or contractually required to be maintained intact. • Restricted fund balance represents amounts that can be spent only for specific purposes stipulated by external providers (e.g. creditors, grantors, contributor, or laws or regulations of other governments) or imposed by law through constitutional provisions or enabling legislation. • Committed fund balance represents amounts that can be used only for the specific purposes determined by formal action of the Village Commission. The Village has no committed funds. • Assigned fund balance includes spendable fund balance amounts that are intended to be used for specific purposes, as expressed by the Village Commission or Village Manager, that are neither considered restricted or committed. The Small Business Grants is a program the Village Council approved in the prior fiscal year to provide matching grants of up to $5,000 for improvements to small business properties. • Unassigned fund balance is the residual fund balance classification for the general fund. 32 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE I — SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) D. Assets, Liabilities, and Net Assets or Eynity (Continued) Fund Equity (Continued) The Village will first use committed fund balance then assigned fund balance and then unassigned fund balance when expenditures are incurred for purposes for which any of the unrestricted fund balance classifications could be used. Use of Estimates The financial statements and related disclosures are prepared in conformity with accounting principles generally accepted in the United States. Management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements, and revenue and expenses during the period reported. These estimates include the collectibility of accounts receivable, the use and recoverability of inventory, the useful lives and impairment of tangible assets, and the realization of net pension assets, among others. Estimates and assumptions are reviewed periodically and the effects of revisions are reflected in the financial statements in the period they are determined to be necessary. Actual results could differ from those estimates. Statement of Cash Flows For purposes of the statement of cash flows, the Village considers all short-term investments that are highly liquid to be cash equivalents. Cash equivalents are readily convertible to a known amount of cash, and at the day of purchase, have a maturity date no longer than three months. NOTE 2 - STEWARDSHIP, COMPLIANCE, AND ACCOUNTABILITY A. Budgetary Data Formal budgetary integration is employed as a management control device during the year for the General Fund and the Enterprise Fund. The only governmental fund with a legally adopted annual budget is the General Fund. This budget is adopted on a basis consistent with generally accepted accounting principles. Except for budgeting capital expenditures and not budgeting for depreciation, the annual appropriated budgets for the Enterprise Funds are adopted on a basis consistent with generally accepted accounting principles. For budgeting purposes, current year encumbrances are not treated as expenditures. The procedures for establishing budgetary data are as follows: • In July of each year, the Village Manager submits a proposed operating budget to the Council for the next fiscal year commencing the following October 1st. The proposed budget includes expenditures and the means of financing them. • During the third week of July, the Council holds public meetings to obtain taxpayer comments. 33 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 2 - STEWARDSHIP, COMPLIANCE, AND ACCOUNTABILITY (Continued) A. Budgetary Data (Continued) • Upon completion of the public hearings and prior to October 1, a final operating budget is legally enacted through the passage of an ordinance. Estimated beginning fund balances are considered in the budgetary process. • The Village Manager is authorized to transfer budgeted amounts up to $10,000 within a department. Any change to the total departmental expenses must be approved by the Village Council. • Appropriations along with encumbrances lapse on September 30th. Budgeted amounts are as originally adopted, or as amended by appropriate action. During the year, several supplementary appropriations were necessary. Encumbrance accounting is employed in governmental funds. Encumbrances (e.g. purchase orders, contracts) outstanding at year end are reported as reservations of fund balances and do not constitute expenditures or liabilities because the commitments will be reappropriated and honored during the subsequent year. B. Property Taxes Under Florida law, the assessment of all properties and the collection of all county, municipal and school board property taxes are consolidated in the offices of the County Property Appraiser and the County Tax Collector. All property is reassessed according to its fair market value on January 1 of each year and each assessment roll is submitted to the State Department of Revenue for review to determine if the assessment rolls meet all of the appropriate requirements of State law. The laws of the State regulating tax assessment are also designed to assure a consistent property valuation method statewide. State Statutes permit municipalities to levy property taxes at a rate of up to 10 mills. The tax levy of the Village is established by the Council prior to October 1 of each year during the budget process. The Palm Beach County Property Appraiser incorporates the Village's millage into the total tax levy, which includes the County, County School Board, and special district tax requirements. The millage rate assessed by the Village for the year ended September 30, 2011, was 6.9723 ($6.9723 for each $1,000 of assessed valuation). Taxes may be paid less a 4% discount in November or at declining discounts each month through the month of February. All unpaid taxes become delinquent on April 1 following the year in which they are assessed. Delinquent taxes on real property bear interest at 18% per year. On or prior to June 1 following the tax year, certificates are offered for sale for all delinquent taxes on real property. 34 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 2 - STEWARDSHIP, COMPLIANCE, AND ACCOUNTABILITY (Continued) B. Property Tees (Continued) After sale, tax certificates bear interest at 18% per year or at any lower rate bid by the buyer. The certificate holder may make application for a tax deed on any unredeemed tax certificate after a period of two years. The County holds unsold certificates. Delinquent taxes on personal property bear interest at 18% per year until the tax is satisfied either by seizure and sale of the property or by the five -year statute of limitations. At September 30, 2011, unpaid delinquent taxes are not material and have not been recorded by the Village. NOTE 3 — DEPOSITS AND INVESTMENTS Deposits As of September 30, 2011, the carrying amount of the Village's deposits (including fiduciary funds) was $5,370,647, and the bank balances totaled $5,714,923. In addition to insurance provided by the Federal Depository Insurance Corporation, deposits are held in banking institutions approved by the State Treasurer of the State of Florida to hold public funds. Under Florida Statutes Chapter 280, Florida Security for Public Deposits Act, the State Treasurer requires all Florida qualified public depositories to deposit with the Treasurer or other banking institution eligible collateral. In the event of failure of a qualified public depository, the remaining public depositories would be responsible for covering any resulting losses. The Village's deposits at year end are considered insured for custodial credit risk purposes. The Village pools idle cash from all funds for the purpose of increasing income through investment activities. Investment income from the pool is allocated back to the respective funds based on each fund's equity in the pool with the exception of the Capital Projects Fund and the special revenue funds. Tn VPQtm -nte The State Board of Administration is part of the Local Governments Surplus Funds Trust Fund and is governed by Chapter 19 -7 of the Florida Administrative Code. These rules provide guidance and establish the general operating procedures for the administration of the Local Governments Surplus Funds Trust Fund. Additionally, the Office of the Auditor General performs the operational audit of the activities and investments of the State Board of Administration. The Local Government Surplus Funds Trust Fund is not a registrant with the Securities and Exchange Commission (SEC); however, the board has adopted operating procedures consistent with the requirements for a 2a -7 fund. 35 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 3 — DEPOSITS AND INVESTMENTS (Continued) Investments (Continued) On December 4, 2007, based on recommendations from an outside financial advisor, the State Board of Administration restructured the Pool into two separate pools. Pool A, (Local Government Surplus Funds Trust Fund Investment Pool) consisted of all money market appropriate assets. Pool B, (Surplus Funds Trust Fund) consisted of assets that either defaulted on a payment, paid more slowly than expected, and /or had any significant credit and liquidity risk. At the time of the restructuring, all current pool participants had their existing balances proportionately allocated into Pool A and Pool B. On August 3, 2009, the SBA announced "Florida PRIME" as the highly enhanced version of the SBA's prior Local Government Investment Pool. At September 30, 2011, Florida PRIME was assigned a "AAA(m)" principal stability fund rating by the Standard and Poor's Ratings. Florida PREVIE is considered a SEC 2a7 -like fund, thus, the account balance should also be considered its fair value. Fund B is not considered a SEC 2a7- like fund and is not rated by any nationally recognized rating agency. Fund B is accounted for as a fluctuating NAV pool. The fair value factor for September 30, 2011, was 0.756839. The factor should be multiplied by the account balance in order to calculate the fair value of the investment in Fund B. The weighted average days to maturity (WAM) of Florida PRIME at September 30, 2011, was 38 days. A portfolio's WAM reflects the average maturity in days based on final maturity or reset date, in the case of floating rate instruments. WAM measures the sensitivity of Florida PRINIE to interest rate changes. The weighted average life (WAL) of Fund B at September 30, 2011, was 4.82 years. A portfolio's WAL is the dollar weighted average length of time until securities held reach maturity. WAL is based on legal final maturity dates for Fund B as of September 30, 2011. However, because fund B consists of restricted or defaulted securities there is considerable uncertainty regarding the weighted average life. As of September 30, 2011, the Village had $532,353 invested in Florida PRIME. The cost basis of Fund B as of September 30, 2011, was $254,145 and the fair value was $192,347. Additional information regarding the Local Government Surplus Funds Trust Fund may be obtained from the State Board of Administration. 36 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 3 — DEPOSITS AND INVESTMENTS (Continued) Investments (Continued) As of September 30, 2011, the Village held the following investments: Governmental Funds: Wells Fargo municipal money market fund State Board of Administration Investment Fund B Florida Prime Money Market Funds U.S. Government Supported Corporate Debt U.S. Government and Agency Obligations U.S. Treasury Notes Fiduciary Funds: Money Market Funds GNMA, FNMA, FHLMC Pools U.S. Government Agencies Corporate Bonds U.S. Treasury Obligations Municipal Bonds Common Equity Securities Equity Mutual Funds Fixed Income Mutual Funds S &P's Credit Rating N/R N/R AAA(m) N/R AA+ AA+ AA+ N/R N/R AA+ AA+ to A- AA+ AAA to AA N/R N/R N/R Fair Value $ 1,150,824 192,347 532,353 38,968 899,754 2,560,911 4,759,415 1,078,661 964,030 103,389 2,459,279 326,235 146,431 4,980,195 4,076,260 2,589,419 Total investments $26,858,471 Investments are held in the governmental and fiduciary funds. Weighted Average Maturity N/A 4.82 yrs. (WAL) 38 days N/A 0.58 yrs. 1.93 yrs. 1.84 yrs. N/A 20.16 yrs. 10.71 yrs. 7.62 yrs. 29.38 yrs. 22.72 yrs. N/A N/A N/A Interest rate risk — Interest rate risk is the risk that changes in interest rates will adversely affect the fair value of an investment. Generally, the longer the time to maturity, the greater the exposure to interest rate risks. 37 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 3 — DEPOSITS AND INVESTMENTS (Continued) Investments (Continued) Interest rate risk (Continued) The Village limits its exposure to fair value losses resulting from rising interest rates by structuring the investment portfolio so that the securities mature to meet cash requirements for ongoing operations, thereby avoiding the need to sell securities on the open market prior to maturity; and investing operating funds primarily in short-term securities, money market mutual funds, or similar investment pools unless it is anticipated that long -term securities can be held to maturity without jeopardizing the liquidity requirements. The Retirement Funds do not have a formal investment policy that limits investment maturities as a means of managing exposure to fair value losses arising from increasing interest rates. The Village's investment in asset backed securities consist of mortgage pass - through securities based on pools of residential home mortgage loans which are subject to prepayments and therefore highly sensitive to changes in interest rates. Custodial credit risk — For an investment, custodial credit risk is the risk that, in the event of the failure of the counterparty, the Village will not be able to recover the value of its investments that are in the possession of an outside party. At September 30, 2011, all investments were insured or collateralized, except the Village's three pension funds, in which the underlying securities are held by counterparty, or by its trust department or agent but not in the Village's name and is uninsured and unregistered. However, all securities are registered in the funds' names. Concentrations of credit risk — Concentration of credit risk is defined as the risk of loss attributed to the magnitude of an investment in a single user. The Village places no limit on the amount they may invest in any one issuer, except those in the Fire and Police Retirement Fund. Not more than five (5) percent of the Fund's assets shall be invested in the common stock or capital stock of any one issuing company. Authorized Investments —The Village has adopted an investment policy that applies to all the investment activity except the Employees' Pension Funds, which are organized and administered separately, as listed below, or for funds related to the issuance of debt where there are other existing policies or indentures in effect for such funds. The Village is authorized to invest its funds as follows: 1. Interest- bearing checking, savings and time deposits in banks from the most current top ten listed "qualified public depositories ", as defined in Chapter 280, Florida Statutes; with a CAEL (Capital Adequacy, Asset Quality, Earnings, Liquidity) score of 3 or better; THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 3 — DEPOSITS AND INVESTMENTS (Continued) Investments (Continued) Authorized Investments (Continued) 2. Securities and Exchange Commission registered money /market mutual funds with the highest credit quality rating from S &P and Moody's rating agencies; 3. Insurance companies with a A.M. Best minimum rating of aaa; 4. Corporate interest notes with the highest credit quality rating from S &P and Moody's rating agencies; 5. The Local Government Surplus Funds Trust Fund or any intergovernmental investment pool authorized pursuant to the Florida Interlocal Cooperation Act, as provided in Chapter 163, Florida Statutes; provided all components in each pool must satisfy the appropriate pre - qualification parameters noted for that institution; 6. Direct obligations of the United States Treasury; 7. Federal agencies and instrumentalities; The Village General Employees' Retirement Fund is authorized to invest its funds as follows: 1. Interest- bearing checking or savings accounts in qualified public depositories, as defined in Chapter 280, Florida Statutes; 2. Interest- bearing time deposits in qualified public depositories, as defined in Chapter 280, Florida Statutes; 3. The Local Government Surplus Funds Trust Fund or any intergovernmental investment pool authorized pursuant to the Florida Interlocal Cooperation Act, as provided in Chapter 163, Florida Statutes; 4. Securities and Exchange Commission registered money market funds with the highest credit quality rating from a nationally recognized rating agency; 5. Direct obligations of the United States Treasury; 6. Federal agencies and instrumentalities; 39 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 3 — DEPOSITS AND INVESTMENTS (Continued) Investments (Continued) Authorized Investments (Continued) 7. Securities of, or interest in, any open -end or closed -end management -type investment company or investment trust registered under the Investment Company Act of 1940, 15 U.S.C. sections 80a -1 et seq., as amended from time to time, provided that the portfolio of such investment company or investment trust is limited to obligations of the United States Government or any agency or instrumentality thereof and to repurchase agreements fully collateralized by such United States Government obligations, and provided that such investment company or investment trust takes delivery of such collateral either directly or through an authorized custodian; 8. Other investments authorized by law or by ordinance by the Village. Investments of the Fire and Police Retirement Fund can consist of the following: 1. Time or savings accounts of a national bank, a state bank insured by the Federal Deposit Insurance Corporation, or a savings, building and loan association insured by the Federal Deposit Insurance Corporation; 2. Obligations of the United States or obligations guaranteed as to principal and interest by Government of the United States; 3. Bonds, stocks, or any other evidence of indebtedness issued or guaranteed by a corporation organized under the laws of the United States, any state or organized territory of the United States, or the District of Columbia, provided: a. The corporation is listed on any one (1) or more of the recognized national stock exchanges and holds a rating in one of the three (3) highest classifications by a major rating service; and b. The Board shall not invest more than five (5) percent of its assets in the common stock, capital stock, bonds or indebtedness of any one (1) issuing company, nor shall the aggregate investment of in any one (1) issuing company exceed five (5) percent of the outstanding capital stock of that company, nor shall the aggregate of its investments in equities at cost exceed sixty (60) percent of the pension funds' assets; 4. Not withstanding any provision of this section to the contrary, the board is specifically authorized to invest in foreign securities to the extent authorized by sections 175.071(1) and 185.06(1)(b), Florida Statutes. .e THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 3 — DEPOSITS AND INVESTMENTS (Continued) Investments (Continued) A reconciliation of deposit and investments as shown on the statement of net assets and statement of fiduciary net assets for the Village is as follows: By Category: Deposits Petty cash Investments Total deposits and investments Presented in the statement of net assets Governmental activities Cash and cash equivalents Restricted cash and cash equivalents Investments Business -type activities Cash and cash equivalents Total statements of net assets Presented in the statement of fiduciary net assets Pension trust funds Cash and cash equivalents Investments Agency funds Cash and cash equivalents Total fiduciary funds Total deposits and investments 41 $ 5,370,647 5,750 26, 85 8,471 $32,234,868 $5,179,720 548,489 8,451,395 749,286 14,928,890 1,314,241 15,645,238 346,499 17,305,978 $32,234,868 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 4 — RECEIVABLES Receivables at September 30, 2011, were as follows: Utility franchise fees & taxes Conroy Drive assessment Other accounts receivable Total accounts receivable NOTE 5 — DEVELOPER FEE RECEIVABLE General Country Fund Club Total $ 347,467 $ $ 347,467 6,907 6,907 2,112 31,562 33,674 $ 356,486 $ 31,562 $ 388,048 The Village entered into an agreement with a developer on February 14, 2008, in which it agreed to accept payment of $1,175,000 in lieu of the dedication of land for public use. The developer paid $250,000 upon execution of the agreement. The balance due is to be paid in annual installments of $250,000 on the anniversary date of the agreement until paid, with a final payment of $175,000 in 2012. At September 30, 2011, the remaining amount receivable was $175,000. In accordance with Village ordinance Sec. 36 -23, amounts received shall be utilized for parks and recreational purposes or the construction or expansion of any public facilities or other improvements designed to mitigate the impacts of the subdivision. NOTE 6 — INTANGIBLE ASSETS The intangible asset consists of the right to the availability and use of reclaimed water resulting from an agreement with Seacoast Utility Authority. The asset had an original value of $50,377 and is being amortized on a straight line basis over the period of the expected benefit of ten years. 42 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 7 — CAPITAL ASSETS Capital Assets activity for the year ended September 30, 2011, was as follows: Primary Government Governmental Activities: Capital assets not being depreciated: Land Construction in progress Capital assets being depreciated: Buildings Improvements Machinery and equipment Vehicles Total at historical cost: Less accumulated depreciation for: Buildings Improvements Machinery and equipment Vehicles Total accumulated depreciation Governmental activities capital assets, net Beginning Balance $ 2,151,089 141.851 Ending Additions Deletions Transfers Balance 81.014 (11,240) $ 1151.089 211.625 9305.950 (1,531) 9304.419 12,341,173 463,588 (18,933) 12,785,828 3,362249 51099 (110.817) 3303.531 3,637,653 91,155 (71420) 3,656388 30,939,965 687,856 (214,941) 31,412,880 (4,215,667) (293,394) L531 (4,507.530) (3,577,830) (828,688) 18,933 (4,387,585) (2,437,132) (235,690) 110281 (2,561541) (2,524,828) (265,461) 71420 (1717,869) (12,755,457) (1,623233) 203,165 (14,175,525) $ 18,184,508 $ (935377) $ (11,776) $ $ 17237355 Depreciation expense was charged to functions /programs of the primary government as follows: Governmental activities: General government $ 112,767 Public safety 382,506 Public works 670,980 Community development 14,463 Leisure services 442,517 Total depreciation expense, governmental activities $L623233 4 3 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 7 — CAPITAL ASSETS (Continued) Business -type activities: Capital assets not being depreciated: Land Construction in progress Capital assets being depreciated: Buildings Improvements Machinery and equipment Vehicles Total at historical cost: Less accumulated depreciation for: Buildings Improvements Machinery and equipment Vehicles Total accumulated depreciation Business -type activities capital assets, net Construction Collinfitnientb` Beginning Balance Additions Deletions $ 1.051311 $ $ Ending Transfers Balance $ $ 1.051311 1.405.035 1.405.035 6,180.517 57,399 (141,986) 6,095,930 471.978 3.058 (88,623) 386.413 307,705 (16,650) 291,055 9,416,546 60A57 (247,259) 9,229,744 (929,017) (28,325) (957,342) (1,443,533) (329,475) 137,631 (1,635,377) (388,163) (20.597) 88,623 (320,137) (79,328) (74,312) 16,650 (136,990) (2,840.041) (452,709) 241904 (3,049,846) $ 6.576.505 $ (392.252) $ (4.355) $ $ 6.179.898 Contracts awarded but not yet completed were as follows: Estimated Project Description Cost Governmental activities Village -wide Sidewalk Improvements $ 62,463 SW Neighborhoods Sidewalks and Streetlights, Engineering and Design 23,322 Building Department Software Upgrade 80,899 .. THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 8 — LONG TERM LIABILITIES Change in Long -Term Liabilities Long -term liability activity for the year ended September 30, 2011, was as follows: Business -type activities Loans payable $ 4,090,284 $ $ (245,356) $ 3,844,928 $ 237,241 Amount 235,176 Balance 173,084 66,150 Balance Due October 1, Compensated absences September 30, Within 2010 Additions Reductions 2011 One Year Governmental activities Total $ 4,357,667 $ 15,765 $ (311,498) $ 4,061,934 $ 314,930 Claims and settlements $ 142,838 $ $ (124,375) $ 18,463 $ OPEB (see note 15) 518,292 243,125 761,417 Compensated absences payable 1,182,224 867,486 (854,792) 1,194,918 836,443 Total $ 1,843,354 $ 1,110,611 $ (979,167) $ 1,974,798 $ 836,443 Business -type activities Loans payable $ 4,090,284 $ $ (245,356) $ 3,844,928 $ 237,241 Capital leases 235,176 (62,092) 173,084 66,150 OPEB (see note 15) 19,355 9,079 28,434 Compensated absences payable 12,852 6,686 (4,050) 15,488 11,539 Total $ 4,357,667 $ 15,765 $ (311,498) $ 4,061,934 $ 314,930 Governmental activities other post employment benefit obligations and compensated absences are expected to be paid out of the general fund. Loans Payable $4,893,673 Promissory Notes The Village Council adopted Resolution No. 23 -2006 authorizing the issuance of a note in the amount of $4,893,673 to finance certain capital expenditures relating to the municipal golf course and country club. The revenues of the Country Club are pledged to secure the loan. Principal and interest payments are due semi - annually in the amount of $197,450, with a final maturity date of April 1, 2024. The interest rate on the loan is 4.11 %and is subject to adjustment in the event of taxability of the interest on this note. As of September 30, 2011, the principal amount outstanding was $3,844,928 and was for the purpose of business -type activities. l THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 8 — LONG TERM LIABILITIES (Continued) $4,893,673 Promissory Notes (Continued) Annual debt service requirements to maturity are as follows: Business -type activities: Year Ending 2012 2013 2014 2015 2016 2017-2021 2022-2024 $284,000 Capital Lease Principal $ 237,241 247,646 258,036 268,862 279,810 1,586,923 966,410 $ 3,844,928 Interest Total $ 157,659 147,254 136,864 126,038 115,090 3 87, 577 63,590 $ 1,134,072 $ 394,900 394,900 394,900 394,900 3 94, 900 1,974,500 1,030,000 $ 4,979,000 The Village entered into a three year capital lease agreement for the purpose of financing the lease - purchase of $284,000 of equipment for the Country Club in October 2009. Principal and interest payments are due monthly, with a final maturity date in December 2013. The final payment includes a balloon payment of $96,000. As of September 30, 2011, the principal amount outstanding was $173,084 and the net book value of the equipment was $147,920. The rate used to impute interest was 6.3 %. Annual debt service requirements to maturity are as follows: Year Ending 2012 2013 Principal $ 66,150 106,934 $ 173,084 Interest Total $ 75,235 108,539 $ 183,774 1,605 $ 10,690 46 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 8 — LONG TERM LIABILITIES (Continued) Claims and Settlements Effective October 1, 2006, the Village discontinued its participation in the Southeast Risk Management Association ( SERMA) and joined the Florida Municipal Insurance Trust (FMIT). However, as a former participant in SERMA, the Village is liable for claims incurred through September 30, 2006. At September 30, 2011, there is a long -term governmental liability of $28,434 for pending claims activity for SERMA (see related Note 9.) The liability is an estimated based on the 2010 valuation; the 2011 valuation is not yet available. The liability is included in governmental noncurrent liabilities in the Statement of Net Assets. SERMA, a quasi - governmental agency, was created by an interlocal agreement, as authorized by Chapter 163, Florida Statutes. Participating members pool their resources so as to provide a comprehensive risk management program, including insurance coverage, whose cost is less than the cost of each municipality obtaining insurance separately. The members are subject to supplemental assessments in the event of deficiencies, except to the extent that deficiencies result from a specific claim against a member in excess of the reinsurance available, such deficiency is solely the responsibility of that member. SERMA reinsures for workers compensation and property claims in excess of $250,000. Activity in the pool is allocated to participating members based upon the cumulative contributions to the pool. The amount of settlements in SERMA exceeded insurance coverage in the current fiscal year. NOTE 9 — RISK MANAGEMENT The Village is exposed to various risks of loss related to torts: theft of, damage to, and destruction of assets; errors and omissions; and natural disasters. The Village currently reports all of its risk management activities in the General Fund. Claims expenditures and liabilities are reported when it is probable that a loss has occurred and the amount of the loss can be reasonably estimated. These losses include an estimate of claims that have been incurred but not reported. Property and Casualty Group Effective October 1, 2006, the Village discontinued its participation in the Southeast Risk Management Association ( SERMA) and joined the Florida Municipal Insurance Trust (FMIT). However, as a former participant in SERMA, the Village is liable for claims incurred through September 30, 2006.The governmental liability of $28,434 is for pending claims activity for SERMA (See related Note 8). The Village is also covered by Florida Statutes under the Doctrine of Sovereign Immunity which effectively limits the amount of liability of municipalities to individual claims of $100,000/$200,000 for all claims relating to the same incident. 47 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 10 — EMPLOYEE RETIREMENT PLANS The Village maintains the following two separate single employer defined benefit plans: Village of North Palm Beach Fire and Police Retirement Fund, covering firefighters and police officers, and Village of North Palm Beach General Employees Retirement Fund, covering substantially all other full -time Village employees. Both plans are reported as pension trust funds and included as part of the Village's reporting entity. The Police and Fire Fund will issue separate financial statements for the year ended September 30, 2011, the report may be obtained from the Village Clerk. The General Employees Plan will not issue separate financial statements. Additional information on these plans can be found beginning on page 64. Each plan has its own board that acts as plan administrator and trustee: Board of Trustees (for the Fire and Police Retirement Fund) and General Employees Retirement Board. Each plan's assets may only be used for the payment of benefits to the members and beneficiaries of the plan in accordance with the terms of each plan document. The costs of administering each plan are financed in the appropriate pension trust fund. SUMMARY OF SIGNIFICANT ACCO UNTING POLICIES All Retirement Plans Basis of Accounting. The retirement plans are reported on the accrual basis of accounting. Plan member and state contributions are recognized as revenues in the period that the contributions are due. Employer contributions to each plan are recognized when due and the employer has made a formal commitment to provide the contributions. Benefits and refunds are recognized when due and payable in accordance with the terms of each plan. Method Used to Value Investments. Investments are reported at fair value and are managed by third party money managers. The Village's independent custodians and individual money managers price each instrument using various third party pricing sources. Investments Concentrations. The following investments represent concentrations of 5% or more of net plan assets in investments that are not issued or guaranteed by the U.S. government. General Employees Retirement Fund No nongovernmental investments exceed 5% of net plan assets. Fire and Police Retirement Fund No nongovernmental investments exceed 5% of net plan assets. M. THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 10 — EMPLOYEE RETIREMENT PLANS (Continued) PLAN DESCRIPTION AND CONTRIB UTION INFORMATION The following schedule is provided for general information purposes only and is derived from the respective actual reports and Village information for the two retirement plans as of October 1, 2010, the date of the latest actuarial valuation. Plan participants should refer to the appropriate source documents for more complete information on the plans. Plan Description: Authority Asset Valuation: Reporting Legal Reserves Long -Term Receivable Internal/Participant Loans General Employees' Fire and Police Village Ordinance Village Ordinance /State Fair Value Fair Value None None None None None None Membership of each plan consisted of the following at October 1, 2010, the date of the latest actuarial valuation: GERF F &P Active Participants: Vested 49 14 Non - vested 15 38 Retirees and Beneficiaries receiving benefits 7 9 Terminated vested members 48 10 Total 119 71 General Employees' Retirement System Plan Description. The plan is established under Code of Ordinances for the Village of North Palm Beach, Florida, Part II, Chapter 2, and was most recently amended under Ordinance No. 2010 -07 passed and adopted on May 27, 2010. The Plan is also governed by certain provisions of Part VII, Chapter 112, Florida Statutes and the Internal Revenue Code. The Plan provides retirement benefits as well as death benefits. All full time general employees who are not sworn police officers or firefighters shall become members of the system on October 1st following completion of 12 months of employment as a condition of employment. For those employees retired before February 1, 1982, those employees hired after September 30, 2000, or those employees hired before October 1, 2000, who elect to contribute an extra 2 %, a 3% Cost of Living increase is paid annually from the Plan. Authority to establish and amend the benefit provisions of the plan rests with the Village Council. . • THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 10 — EMPLOYEE RETIREMENT PLANS (Continued) General Employees' Retirement System (Continued) All benefits vest based on the following years of credited service. Years of Credited Service Vested % Under 5 0% 5 or 6 50% 7 or 8 75% 9 or more 100% Employees become eligible for normal retirement benefits after attaining the age of 60 and completing nine years of credited service, or attaining the age of 65 (depending on employee contribution rate). The normal retirement benefit consists of a life annuity, options available, (subject to cost of living increases not to exceed 3% a year), of either 2 %, 2.25 %, or 2.5% (depending on employee contribution rate) of Average Monthly earnings (AME) times credited service up to 20 years plus 1% of AME times credited service over 20 years. Early retirement benefits can be received at age 55. The benefit is determined as for normal retirement and payable at normal retirement date or payable immediately after reduction by 5% for each year by which the benefit commencement date precedes the normal retirement date. If an active member dies, his beneficiary receives a refund of member contributions without interest. For a member who is age 55 and has at least five years of service but who dies before commencement of retirement benefits, a monthly benefit is payable to the designated beneficiary; the benefit is calculated as though the member had retired on his date of death and payable according to option elected by the employee. For an active member who has at least five years of credited service and dies prior to reaching normal retirement date, a benefit equal to his vested accrued benefit will be paid to his beneficiary for ten years. If an employee terminates his employment, he is entitled to the following: - With less than five years of credited service, a refund of member contributions without interest and no other benefit. - With five or more years of credited service, a refund of member contributions, the vested accrued benefit payable at normal retirement date or at any time after age 55 is attained, with the benefit being subject to the same reduction as for early retirement benefits. The vesting schedule is listed above. "Average monthly earnings" is the average during the 5 years within the last 10 years of employment which produces the highest average. 50 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 10 — EMPLOYEE RETIREMENT PLANS (Continued) General Employees' Retirement System (Continued) "Credited service" consists of the total number of years and fractional parts of years of actual service with the Village and shall apply to an employee whose employment is terminated with the Village and who recommences fulltime employment within two years from the date of termination. Contributions. General employees may contribute 6 %, 4 %, 2% or 0% of earnings as elected by the employee, with the retirement benefit received being based on the amount contributed. The Village is required to contribute the amount necessary to fund the Plan properly according to the Plan's actuary. Contribution requirements of plan members and the Village are established and may be amended by the Village Council. Fire and Police Retirement Plan Description. The plan is established under Code of Ordinances for the Village of North Palm Beach, Florida, Part II, Chapter 2, and was most recently amended under Ordinance No. 2010 -01 passed and adopted on January 14, 2010. The Plan is also governed by certain provisions of Part VII, Chapter 112, Florida Statutes and the Internal Revenue Code. The plan provides retirement benefits as well as death and disability benefits. All benefits vest after ten years of credited service. All fulltime police officers or firefighters are eligible for membership immediately upon hire. Previously, members were not eligible until October 1st following completion of 12 months of employment. Cost of living adjustments (COLA) are provided annually each October 1, to reflect changes in CPI (subject to maximum increases or decreases of 3% per year). Authority to establish and amend the benefit provisions of the plan rests with the Village Council. Employees become eligible for normal retirement benefits after attaining the age of 55, or the date on which the member attains age 52 and 25 credited years of service. Previously, employees became eligible for normal retirement benefits after attaining the age of 55, only. The normal retirement benefit consists of ten years certain and life thereafter, with other options available, (subject to cost of living adjustments not to exceed 3% a year), of 2.5% of AME times the years of credited services, with a maximum benefit of 60% of AME. Members are eligible for non - service connected disability, after ten years of credited service and a total and permanent disability. For service connected disability, a total and permanent disability with no service requirement, the disability benefit consists of a ten year certain and life annuity that can be provided by the single -sum value of the member's accrued pension benefit, 51 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 10 — EMPLOYEE RETIREMENT PLANS (Continued) Fire and Police Retirement System (Continued) Plan Description (Continued) but is at least 42% of AME for service connected disability and at least 25% of AME for non - service connected disability. See the description of the General Employees' Retirement System for the remainder of the benefits, except that early retirement and termination benefits for vested members can be received at age 50. Contributions. Members are required to contribute 2% of their basic compensation to the plan. The Village is required to contribute the remaining amount to fund the plan using the Entry Age Actuarial Cost Method. Contribution requirements of plan members and the Village are established and may be amended by the Village Council. The Florida Constitution requires local governments to make the actuarially determined contribution. The Florida Division of Retirement reviews and approves each local government's actuarial report prior to its being appropriated for use for funding purposes. Additionally, the State collects locally authorized insurance premium surcharges which can only be distributed after the State has ascertained that the local government has met its actuarial funding requirement for the then most recently completed fiscal year. Contributions to the Plan from the State of Florida totaled $264,570 during the fiscal year ended September 30, 2011. All Retirement Plans Annual Pension Cost and Net Pension Obligation. The Village's 2011 annual pension cost and actual contributions for each plan are shown on the next page. The required contributions were determined as part of the October 1, 2010, actuarial valuation for each plan. State law allows the Village to use a portion of the State contribution to offset the Village's pension cost. Components ofAnnual Pension Cost and Net Pension Obligation General Employees' Retirement Fund Fire and Police Retirement Fund Annual Required Eligible Pension Village State Cost Contribution Contribution $509,921 $503,477 N/A $869,409 $638,713 $230,696 52 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 10 — EMPLOYEE RETIREMENT PLANS (Continued) The following schedule was determined as part of the October 1, 2010, actuarial valuation for the General Employees' and Fire and Police Retirement Plans. (a) Information was not provided in the October 1, 2010, actuarial valuation. Three -Year Trend Information General Annual Employees' Fire and Police Annual required contribution (ARC) $ 503,477 $ 869,409 Interest on net pension obligation (NPO) (13,900) (a) Adjustment to ARC 20,344 (a) Annual pension cost 509,921 869,409 Actual contributions 651,159 872,067 Increase in NPO (141,238) (2,658) NPO at beginning of year (185,330) 255 33 4) NPO at end of year $(326.568) 257 992 (a) Information was not provided in the October 1, 2010, actuarial valuation. Three -Year Trend Information 53 Annual Percentage Net Pension Year Pension Annual of APC Obligation Ended Cost (APC) Contribution Contributed (Asset) General Employees' 9/30/09 767,429 765,381 99.7% (165,505) 9/30/10 739,704 759,529 102.7% (185,330) 9/30/11 509,921 651,159 127.7% (326,568) Fire and Police 9/30/09 651,838 734,826 112.7% (264,986) 9/30/10 893,728 884,076 98.9% (255,334) 9/30/11 869,409 872,067 100.3% (257,992) 53 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 10 — EMPLOYEE RETIREMENT PLANS (Continued) The following are the actuarial methods and significant actuarial assumptions: Valuation date Actuarial Cost Method Amortized Method Remaining Amortization Period Asset Valuation Method Actuarial assumptions: Investment rate of return* Projected salary increase* *Includes inflation at Cost of living adjustments General Employees' Fire and Police 10/1/2010 Frozen Entry Age Level percent closed 30 years Difference between actual and expected return recognized over five years 8% up to retirement, 5.25% thereafter. 5.5% 4% 3% for those retired before 2/1/82 or who contribute an extra 2 %. 10/1/2010 Aggregate N/A (1) N/A (1) Five year smooth market. 8% 6% 4% 3% (1) The aggregate actuarial cost method does not identify or separately amortize unfunded actuarial liabilities. Schedule of Funding Progress As noted above, the Fire and Police Retirement System utilizes the aggregate actuarial cost method to determine contributions to the Plan. This method does not identify or separately amortize unfunded actuarial liabilities. The required schedule of funding progress immediately following the notes to the financial statements presents multiyear trend information about whether the actuarial value of plan assets is increasing or decreasing over time relative to the actuarial accrued liability for benefits. The schedule of funding progress was prepared using the entry age actuarial cost method to provide information that serves as a surrogate for the funding progress of the Plan. 54 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 10 — EMPLOYEE RETIREMENT PLANS (Continued) Fire and Police: Actuarial Actuarial Valuation Value of 10 /01 /10 11,240,540 General Employees': Actuarial Accrued Liability (AAL) 14,121,958 Unfunded Funded Actuarial Actuarial Actuarial Accrued Valuation Value of Liability Date Assets (AAL) 10 /01 /10 6,863,057 10,516,549 Unfunded Funded AAL Ratio 2,881,418 79.6% Unfunded Funded 3,653,492 65.3% NOTE 11— PENSION PLAN FINANCIAL INFORMATION Unfunded AAL as % of Covered Covered Payroll Payroll 3,922,596 73.46% Unfunded AAL as % of Covered Covered Payroll Payroll 3,424,324 106.7% Generally accepted accounting principles (GAAP) requires that financial statements for individual pension plans be presented in the notes to the financial statements of the primary government if separate GAAP financial reports have not been issued. The Volunteer Fire and General Employees' pension funds do not have separate GAAP reports issued, and the financial information for these is presented below. STATEMENT OF FIDUCIARY NET ASSETS EMPLOYEE RETIREMENT FUNDS SEPTEMBER 30, 2011 Assets Cash and cash equivalents Investments: Equity mutual funds Fixed income mutual funds Accounts receivable Total assets Liabilities Accounts payable Net Assets Held in trust for pension benefits and other purposes General Volunteer Employee's $ $ 233,423 4,056,958 2,589,419 23,941 6,903,741 $ $ 6.89L782 55 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 11— PENSION PLAN FINANCIAL INFORMATION (Continued) STATEMENT OF CHANGES IN FIDUCIARY NET ASSETS EMPLOYEE RETIREMENT FUNDS For the Fiscal Year Ended September 30, 2011 NOTE 12 — ON- BEHALF PAYMENTS The state makes a contribution to the Fire and Police Officers' Retirement System from the firefighters' and police officers' Insurance Premium Tax. For the fiscal year ended September 30, 2011, $264,570 was recorded as revenues and expenditures in the On- Behalf Pension Contribution Special Revenue Fund relating to on- behalf payments received from the state. 56 General Volunteer Fire Employees' Pension Pension Additions Contributions Employer $ 1,202 $ 651,159 Plan members 169,948 Total contributions 1,202 821,107 Investment earnings Dividends and interest 2,279 34,409 Net decrease in the fair value of investments (76,944) Less investment expense (62,774) Total investment earnings 2,279 (105,309) Total additions 3,481 715,798 Deductions Administration 17,985 Benefits 109,707 29,679 Refund of contributions 32,479 Total deductions 109,707 80,143 Change in net assets (106,226) 635,655 Net assets - beginning 106,226 6,256,127 Net assets - ending $ $ 6.891782 NOTE 12 — ON- BEHALF PAYMENTS The state makes a contribution to the Fire and Police Officers' Retirement System from the firefighters' and police officers' Insurance Premium Tax. For the fiscal year ended September 30, 2011, $264,570 was recorded as revenues and expenditures in the On- Behalf Pension Contribution Special Revenue Fund relating to on- behalf payments received from the state. 56 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 13 — DEFINED CONTRIBUTION PLAN Effective October 1, 2006, all employees of the Village may participate in one of three Money Purchase Plans that are qualified Defined Contribution Plans adopted under the provisions of Internal Revenue Code Section 401(a). The three pension plans include Directors, General Employees, and Municipal Employees. The defined contribution plans are administered by International City /County Management Association and Retirement Corporation (ICMA -RC). The ICMA -RC is a nonprofit corporation organized and existing under the laws of the State of Delaware. Contribution requirements of employees' and the Village are established and may be amended by the Village Council. The vesting period for each defined contribution plan is five years, with a vesting of zero percent in the first year, and a vesting of twenty -five percent for each year thereafter. While the plans will not provide for retroactive funding, the vesting period shall run from each employee's original date of hire. No loans are permitted by the plan. The normal retirement age for the plan shall be age sixty. There is no waiting period for participation in the plan. The minimum age for participation is eighteen. The Village contributes 15% of participant earnings for the plan year. Earnings include regular and bonus compensation, but do not include overtime or commissions. Employee contributions are voluntary, after -tax contributions that are not matched by the Village. Employees may contribute 3 %, 5 %, 10 %, or 15% of earnings to the plan. Contributions are remitted to the trusts every payroll period. Because the Village has little administrative involvement and does not perform the investing function for funds in the plans, the Village's activities do not meet the criteria for inclusion in the fiduciary funds of a government. Consequently, the plans are not included in the Village's financial statements. Plan detail for participating employees at September 30, 2011, is listed below: Director's Village contributions $70,439 Employee contributions $30,854 General Municipal Employees Employees 57 Total $61,357 $58,341 $190,137 $13,807 $16,275 $60,936 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 14 — DEFERRED COMPENSATION PLAN ASSETS Employees of the Village may participate in a deferred compensation plan adopted under the provisions of Internal Revenue Code Section 457 (Deferred Compensation Plans with Respect to Service for State and Local Governments). The deferred compensation plan is available to all employees of the Village. Under the plan, employees may elect to defer a portion of their salaries and avoid paying taxes on the deferred portion until the withdrawal date. The deferred compensation amount is not available for withdrawal by employees until termination, retirement, death, or unforeseeable emergency. A third party administers the deferred compensation plan. In 1998, the Village Adopted GASB -32, Accounting and Financial Reporting for Internal Revenue Code Section 457 Deferred Compensation Plans. The Village modified its Deferred Compensation Plan to conform with the changes in the Internal Revenue Code brought about by the Small Business Job Protection Act of 1996 (the "Act "). The Act requires that eligible deferred compensation plans established and maintained by governmental employers be amended to provide that all assets of the plan be held in trust, or under one or more appropriate annuity contracts or custodial accounts, for the exclusive benefit of plan participants and their beneficiaries. As a result of this change, these plan assets are not property of the Village and are not subject to the claims of the Village's general creditors. Because the Village has little administrative involvement and does not perform the investing function for funds in the Plan, the Village's activities do not meet the criteria for inclusion in the fiduciary funds of a government. NOTE 15 — OTHER POST EMPLOYMENT BENEFITS The Village implemented Governmental Accounting Standards Board Statement 45 (GASB 45), Accounting and Financial Reporting by Employers for Postemployment Benefits Other Than Pensions, effective October 1, 2008. The Village elected to implement prospectively, and the change in accounting principle had no effect on changes in net assets /fund equity for prior periods. Retirees of the Village pay an amount equal to the actual premium for health insurance charged by the carrier, but there is an implied subsidy in the healthcare insurance premium for retirees because the premium charged for these retirees is the same as the premium charged for active employees, who are younger than retirees on average. This implied subsidy constitutes other postemployment benefits (OPEB) under GASB 45. Plan Description The Village provides a single employer defined benefit health care plan to all of its employees. The plan allows its employees and their beneficiaries, to continue to obtain health and dental benefits upon retirement. The normal retirement age for police and firefighters is 55; the normal retirement age for all other Village employees is either age 60 or 65, depending on the option selected by the employee. THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 15 — OTHER POST EMPLOYMENT BENEFITS (Continued) Plan Description (Continued) The benefits of the plan are in accordance with Florida Statutes, which are the legal authority for the plan. The plan has no assets and does not issue a separate financial report. Funding PolicX The Village does not directly make a contribution to the plan on behalf of retirees. Retirees and their beneficiaries pay the same group rates as are charged to the Village for active employees by its healthcare provider. However, the Village's actuaries, in their actuarial valuation, calculate an offset to the cost of these benefits as an Employer Contribution, based upon an implicit rate subsidy. This offset equals the total age- adjusted costs paid by the Village or its active employees for coverage of the retirees and their dependents for the year net of the retiree's own payments for the year. Annual OPEB Cost and Net OPEB Obligation The annual other post employment benefit (OPEB) cost is calculated based on the annual required contribution of the employer, an amount actuarially determined in accordance with GASB Statement No. 45. The annual required contribution represents a level of funding that, if paid on an ongoing basis, is projected to cover normal cost each year and to amortize any unfunded actuarial liabilities over a period not to exceed 30 years. The annual OPEB cost and the net OPEB obligation for the Village for the current year and the related information is as follows: Required contribution rates: Employer Pay -as- you -go Plan members N/A Normal cost $ 245,351 Interest on normal cost 9,814 Amortization 152,437 Interest on amortization 6,097 Interest on net unfunded OPEB obligation 21,506 Annual OPEB cost 435,205 Contributions made (183,000) Increase in net OPEB obligation 252,205 Net OPEB obligation October 1, 2010 537,647 Net OPEB obligation September 30, 2011 789 852 59 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 15 — OTHER POST EMPLOYMENT BENEFITS (Continued) Trend Information Three -Year Trend Information Percentage of Fiscal Annual Annual Net Year OPEB OPEB Cost OPEB End Cost Contributed Obligation 09/30/09 $413,699 28.7% $295,142 09/30/10 $425,505 43.0% $537,647 09/30/11 $435,205 42.0% $789,852 Funded Status The funded status of the plan as of most recent actuarial valuation date was as follows: Actuarial valuation date 10/01/2008 Actuarial accrued liability $2,741,387 Actuarial value of plan assets $ Unfunded actuarial accrued liability (UAAL) $2,741,387 Funded ratio 0.0% Covered payroll $6,231,104 UAAL as a percentage of covered payroll 44.0% Actuarial valuations of an ongoing plan involve estimates of the value of reported amounts and assumptions about the probability of occurrence of events far into the future. Amounts determined regarding the funded status of the plan and the annual required contributions of the employer are subject to continual revision as actual results are comparable with past expectations and new estimates are made about the future. The schedule of funding progress presented as required supplementary information following the notes to the financial statements, will present multi -year trend information that shows whether the actuarial value of plan assets is increasing or decreasing over time relative to the actuarial accrued liability for benefits. The Village has not contributed assets to the plan at this time. Actuarial Methods and Assumptions Projections of benefits are based on the substantive plan (the plan as understood by the employer and plan members) and includes the types of benefits in force at the valuation date and the pattern of sharing benefit costs between the Village and the plan members to that point. Actuarial calculations reflect a long -term perspective and employ methods and assumptions that are :1 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 15 — OTHER POST EMPLOYMENT BENEFITS (Continued) designed to reduce short-term volatility in actuarial accrued liabilities and the actuarial value of assets. Significant methods and assumptions were as follows: Actuarial valuation date Actuarial cost method Amortization method Remaining amortization period Asset valuation method Actual assumptions: Investment rate of return Healthcare cost trend 10/01/2008 Projected Unit Credit Level dollar, 30 Years, closed 28 years Unfunded 4% 6.6% for 2011 decreasing to 4% in 2083 NOTE 16 — JOINTLY GOVERNED ORGANIZATION The Village, through an interlocal agreement with certain other municipalities and Palm Beach County, created the Seacoast Utility Authority ( "Seacoast ") which provides water and sewer service to the citizens of each of the participating municipalities and a portion of Palm Beach County. Seacoast's governing board consists of one member from each participating entity. Seacoast is an Independent Authority organized under the laws of the State of Florida, and the Village has no participating equity ownership in Seacoast. The Village paid $153,968 to Seacoast during the fiscal year for water and sewer service. NOTE 17 — INTERFUND RECEIVABLES, PAYABLES, AND TRANSFERS The composition of interfund balances at September 30, 2011, is as follows: Receivable Fund Payable Fund Amount Capital Projects Fund Recreation Special Revenue Fund $44,028 The outstanding balance between funds results mainly from the time lag between the dates that payments between funds are made. Interfund transfers during the year ended September 30, 2011, are as follows: Transfer Out: General Fund Transfer in: Capital Projects Fund $1,334,934 The transfers from the General Fund to the other governmental funds were to move restricted and unrestricted General Fund revenues to finance various programs that the government must account for in other funds in accordance with budgetary authorizations, including amounts provided as subsidies or matching funds for various grant programs. THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Basic Financial Statements September 30, 2011 NOTE 18 — CONTRACTS, COMMITMENTS AND CONTINGENCIES Contingencies The Village is involved in various litigations and claims arising in the course of operations. It is the opinion of legal counsel that the likelihood of unfavorable outcome and the amounts of potential losses cannot be reasonably determined for all claims at this time. NOTE 19 — ACCOUNTING CHANGE GASB Statement 54, Fund Balance Reporting and Governmental Fund Type Definitions, enhances the usefulness of fund balance information by providing clearer fund balance classifications that can be more consistently applied and by clarifying the existing governmental fund type definitions. The Village implemented this standard in fiscal year 2011. Changes to the government fund type fund balance reporting are reflected in the financial statements and schedules. Related disclosures are included in Note 1. NOTE 20 — SUBSEQUENT EVENT On January 5, 2012, the Village Council terminated the City Manager without cause. Under the terms of his employment contract he is due six months base salary as severance pay. This amounts to $67,500 and was subsequently paid. M REQUIRED SUPPLEMENTARY INFORMATION OTHER THAN MD &A FIDUCIARY FUNDS Pension Trust Funds General Employees Pension Trust Fund Fire and Police Officers Pension Trust Fund THE VILLAGE OF NORTH PALM BEACH, FLORIDA Required Supplemental Information September 30, 2011 Other Post Employment Benefits (OPEB) 10/01/08* $ $ 2,741,387 $ 2,741,387 0.0% $ 6,231,104 * This was the only actuarial valuation performed to date. (1) Projected unit credit The schedule of funding progress presented above will present multi -year trend information that shows whether the actuarial value of plan assets is increasing or decreasing over time relative to the actuarial accrued liability for benefits. Because the fiscal year ended September 30, 2009, was the year of implementation of GASB 45, and the Villiage elected to apply the statement prospectively, only one year is presented in the schedule at this time. In future years, required trend data will be presented. The Villiage has not contributed assets to the plan at this time. 63 UAAL as a Percentage of Covered Payroll ((b -a) /c) 44.0% Schedule of Funding Progress „ Actuarial Actuarial Accrued Unfunded Actuarial Value of Liability AAL Funded Covered Valuation Assets (AAL) (1) (UAAL) Ratio Payroll Date (a) (b) (b -a) (a/b) (c) Other Post Employment Benefits (OPEB) 10/01/08* $ $ 2,741,387 $ 2,741,387 0.0% $ 6,231,104 * This was the only actuarial valuation performed to date. (1) Projected unit credit The schedule of funding progress presented above will present multi -year trend information that shows whether the actuarial value of plan assets is increasing or decreasing over time relative to the actuarial accrued liability for benefits. Because the fiscal year ended September 30, 2009, was the year of implementation of GASB 45, and the Villiage elected to apply the statement prospectively, only one year is presented in the schedule at this time. In future years, required trend data will be presented. The Villiage has not contributed assets to the plan at this time. 63 UAAL as a Percentage of Covered Payroll ((b -a) /c) 44.0% THE VILLAGE OF NORTH PALM BEACH, FLORIDA Required Supplemental Information September 30, 2011 Schedule of Funding Progress General Employees Retirement Fund (1) 10/1/2005 Actuarial $ 9,116,599 $ 5,298,994 41.88% Accrued 164.55% UAAL as a Actuarial Liability Unfunded Percentage Actuarial Value of (AAL)- AAL Funded Covered of Covered Valuation Assets Entry Age(1) (UAAL) Ratio Payroll Payroll Date (a) (b) (b -a) (a/b) (c) ((b -a) /c) General Employees Retirement Fund (1) 10/1/2005 $ 3,817,605 $ 9,116,599 $ 5,298,994 41.88% $ 3,220,258 164.55% 10/1/2006 5,283,023 10,490,332 5,207,309 50.36% 3,680,960 141.47% 10/1/2007 6,481,382 10,997,783 4,516,401 58.93% 3,238,894 139.44% 10/1/2008 5,824,447 10,138,981 4,314,534 57.45% 2,977,995 144.88% 10/1/2009 6,048,808 8,328,331 2,279523 72.63% 3,046,421 74.83% 10/1/2010 6,863,057 10,516,549 3,653,492 65.26% 3,424,324 106.69% Fire and Police Retirement Fund (2) 10/1/2005 $ 7,600,134 $ 8,692,747 $ 1,092,613 87.43% $ 2,405,634 45.42% 10/1/2006 8,312,363 10,294,848 1,982,485 80.74% 2,798,919 70.83% 10/1/2007 9,228537 10,836,562 1,608,025 85.16% 3,110,081 51.70% 10/1/2008 10,376,733 11,719,336 1,342,603 88.54% 3,253,109 41.27% 10/1/2009 10,650,648 12,656,293 2,005,645 84.15% 3,488,338 57.50% 10/1/2010 11,240,540 14,121,958 2,881,418 79.60% 3,922,596 73.46% General Employees Retirement Fund (1) The General Employees Retirement Fund uses the frozen entry age actuarial cost method. Fire and Police Retirement Fund (2) The Fire and Police Retirement Fund uses the aggregate actuarial cost method to determine contributions to the Plan. This method does not identify or separately amortize unfunded actuarial liabilities. The schedule of funding progress presented above was prepared using the entry age actuarial cost method to provide information that serves as a surrogate for the funding progress of the Plan. ." THE VILLAGE OF NORTH PALM BEACH, FLORIDA Required Supplemental Information September 30, 2011 Schedule of Emplover and State Contributions Fiscal Year Annual Ended Required Actual State Percentage September 30 Contribution Contribution Contribution Contributed General Employees Retirement Fund 2006 $ 1,007,695 $ 1,007,695 N/A 100.0% 2007 866,069 873,872 N/A 100.9% 2008 875,126 876,712 N/A 100.2% 2009 761,943 765,381 N/A 100.5% 2010 739,767 741,392 N/A 100.2% 2011 509,921 651,159 N/A 127.7% Fire and Police Retirement Fund 2006 $ 690,186 $ 551,986 $ 138,200 100.0% 2007 539,651 401,451 138,200 100.0% 2008 715,784 580,463 138,200 100.4% 2009 728,729 596,626 138,200 100.8% 2010 884,415 653,719 230,696 100.0% 2011 869,409 641,371 230,696 100.3% 65 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Trend Data September 30, 2011 Actuarial Assumption Investment rate of return * General Employees Police and Fire 5.25% thereafter. Retirement Fund Retirement Fund Contribution rates as of 9/30/11: 4% 4% Cost of living adjustments Village 15.78% 24.21% Plan Members 6.00%(1) 2.00% Actuarially Determined Contribution $509,921 $869,409 Contributions Made $651,159 $872,627 Valuation date 10/1/2009 10/1/2009 Actuarial Cost Method Frozen Entry Age Aggregate Amortized Method Level percent N/A (2) closed Remaining Amortization Period 30 years N/A (2) Asset Valuation Method Difference between Five year actual and expected smooth return recognized market over five years. Administrative Costs Expenses paid out of the Expenses paid out of the fund other than investment fund other than investment related expenses are related expenses are assumed to be equal to the assumed to be equal to the average of actual expenses average of actual expenses over the previous two years. over the previous two years. Actuarial Assumption Investment rate of return * 8% up to retirement 8% 5.25% thereafter. Projected salary increase * 5.5% 6% *Includes inflation at 4% 4% Cost of living adjustments 3% for those retired 3% before 2/1/82 or who contribute an extra 2 %. (1) Except for certain members who have elected not to contribute and for other members who have elected to contribute only 2% or 4 %. (2) The aggregate actuarial cost method does not identify or separately amortize unfunded actuarial liabilities. 66 GENERAL FUND THE VILLAGE OF NORTH PALM BEACH, FLORIDA Schedule of Revenues, Expenditures, and Changes in Fund Balance - Budget and Actual General Fund For the Year Ended September 30, 2011 67 Variance with Final Budget Budgeted Amounts Actual Positive Original Final Amounts (Negative) Revenues Taxes $ 13,550,692 $ 13,550,692 $ 14,090,966 $ 540,274 Licenses and penuits 658,800 658,800 959,098 300,298 Intergovernmental 1,228,726 1,228,726 1,287,638 58,912 Charges for sen-ices 1,845,027 1,845,027 1,934,424 89,397 Fines and forfeitures 130,000 130,000 164,366 34,366 Investment 84,027 84,027 97,743 13,716 Miscellaneous 8,800 8,800 59,462 50,662 Total revenues 17,506,072 17,506,072 18,593,697 1,087,625 Expenditures Current General government 2,455,316 2,444,898 2,388,151 56,747 Public safety 7,155,987 6,870,987 6,788,712 82,275 Public works 4,126,912 4,142,131 4,044,642 97,489 Cointnunity development and planning 819,557 894,602 790,937 103,665 Leisure sen-ices - recreation 2,411,375 2,374,099 2,295,959 78,140 Other govermnent 218,827 22,250 14,090 8,160 Capital outlay 318,098 373,449 288,514 84,935 Total expenditures 17,506,072 17,122,416 16,611,005 511,411 Excess of revenues over expenditures 383,656 1,982,692 1,599,036 Other financing uses Transfer out (1,334,934) (1,334,934) Total other financing uses (1,334,934) (1,334,934) Net change in fund balances $ $ (951,278) 647,758 $ 1,599,036 Fund Balances Beginning of year 11,052,909 End of year $ 11,700,667 67 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Notes to the Budgetary Required Supplementary Information (RSI) General Fund September 30, 2011 Note 1 - Basis of Accounting Generally accepted accounting principles (GAAP) serve as the budgetary basis of accounting. G'I: OTHER SUPPLEMENTARY INFORMATION GENERAL FUND THE VILLAGE OF NORTH PALM BEACH, FLORIDA Schedule of Departmental Expenditures - Budget and Actual General Fund For the Year Ended September 30, 2011 Variance with Final Budget Original Final Positive Percent Budget Budget Actual (Negative) Variance Village Council Personal services $ 50,513 $ 50,513 $ 50,455 $ 58 0.11 Operating expenses 77,983 81,183 81,183 0.00 Total Village Council 128,496 131,696 131,638 58 0.04 Village Manager Personal services 296,405 324,782 324,782 0.00 Operating expenses 11,866 11,866 8,068 3,798 32.01 Total Village Manager 308,271 336,648 332,850 3,798 1.13 Village Finance Personal services 472,169 459,669 455,364 4,305 0.94 Operating expenses 54,728 44,728 44,093 635 1.42 Total Village Finance 526,897 504,397 499,457 4,940 0.98 Village Attorney Operating expenses 170,000 170,000 159,693 10,307 6.06 Village Clerk Personal services 251,242 251,242 248,595 2,647 1.05 Operating expenses 29,095 19,600 9,950 9,650 49.23 Total Village Clerk 280,337 270,842 258,545 12,297 4.54 Information Technology Personal services 267,807 265,496 256,456 9,040 3.40 Operating expenses 20,825 23,136 23,136 0.00 Total Information Technology 288,632 288,632 279,592 9,040 3.13 Human Resources Personal services 209,226 209,226 205,821 3,405 1.63 Operating expenses 27,401 27,401 21,049 6,352 23.18 Total Human Resources 236,627 236,627 226,870 9,757 4.12 Police Personal services 4,099,061 3,951,061 3,913,060 38,001 0.96 Operating expenses 244,086 225,086 215,132 9,954 4.42 Total Police 4,343,147 4,176,147 4,128,192 47,955 1.15 Fire Rescue Personal services 2,482,374 2,405,374 2,399,085 6,289 0.26 Operating expenses 179,832 167,832 146,369 21,463 12.79 Total Fire Rescue 2,662,206 2,573,206 2,545,454 27,752 1.08 Public Works Streets and Grounds Personal services 323,825 323,825 318,170 5,655 1.75 Operating expenses 39,501 39,501 35,080 4,421 11.19 Total Public works 363,326 363,326 353,250 10,076 2.77 (Continued) •e THE VILLAGE OF NORTH PALM BEACH, FLORIDA Schedule of Departmental Expenditures - Budget and Actual General Fund For the Year Ended September 30, 2011 Vehicle Maintenance Variance with Personal services 186,433 186,433 183,067 Final Budget 1.81 Operating expenses Original Final 173,666 Positive Percent Total Vehicle Maintenance Budget Budget Actual (Negative) Variance (Continued) Sanitation 205,175 205,175 199,166 6,009 2.93 Personal services $ 1,316,296 $ 1,266,296 $ 1,244,632 $ 21,664 1.71 Operating expenses 176,200 131,200 128,030 3,170 2.42 Total Sanitation 1,492,496 1,397,496 1,372,662 24,834 1.78 Facility Services 466,774 456,974 451,873 5,101 1.12 Personal services 289,852 289,852 285,560 4,292 1.48 Operating expenses 344,700 279,700 263,007 16,693 5.97 Total Facility Services 634,552 569,552 548,567 20,985 3.68 Street Maintenance 111,731 89,428 85,759 3,669 4.10 Personal services 539,707 528,707 519,861 8,846 1.67 Operating expenses 727,638 913,857 893,569 20,288 2.22 Total Street Maintenance 1,267,345 1,442,564 1,413,430 29,134 2.02 Vehicle Maintenance Personal services 186,433 186,433 183,067 3,366 1.81 Operating expenses 182,760 182,760 173,666 9,094 4.98 Total Vehicle Maintenance 369,193 369,193 356,733 12,460 3.37 Planning and Engineering Personal services 205,175 205,175 199,166 6,009 2.93 Operating expenses 17,064 118,909 34,139 84,770 71.29 Total Planning and Engineering 222,239 324,084 233,305 90,779 28.01 Building Personal services 466,774 456,974 451,873 5,101 1.12 Operating expenses 14,411 14,411 10,299 4,112 28.53 Total Building 481,185 471,385 462,172 9,213 1.95 Code Enforcement Personal services 111,731 89,428 85,759 3,669 4.10 Operating expenses 4,402 9,705 9,701 4 0.04 Total Code Enforcement 116,133 99,133 95,460 3,673 3.71 Leisure Services - Recreation Personal services 577,195 577,195 577,195 0.00 Operating expenses 374,085 352,824 334,355 18,469 5.23 Total Leisure Services - Recreation 951,280 930,019 911,550 18,469 1.99 Library Personal services 538,942 508,942 481,359 27,583 5.42 Operating expenses 173,647 163,647 154,503 9,144 5.59 Total Library 712,589 672,589 635,862 36,727 5.46 (Continued) 70 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Schedule of Departmental Expenditures - Budget and Actual General Fund For the Year Ended September 30, 2011 71 Variance with Final Budget Original Final Positive Percent Budget Budget Actual (Negative) Variance (Continued) Tennis Personal services $ 102,129 $ 102,129 $ 90,511 $ 11,618 11.38 Operating expenses 274,776 288,537 288,541 (4) 0.00 Total Tennis 376,905 390,666 379,052 11,614 2.97 Pool Personal services 89,977 89,977 89,581 396 0.44 Operating expenses 193,624 203,848 203,847 1 0.00 Total Pool 283,601 293,825 293,428 397 0.14 Special Events Operating expenses 87,000 87,000 76,067 10,933 12.57 Total Special Events 87,000 87,000 76,067 10,933 12.57 Other Operating expenses 218,827 22,250 14,090 8,160 36.67 218,827 22,250 14,090 8,160 36.67 Non - Departmental Operating expenses 666,690 627,690 614,572 13,118 2.09 666,690 627,690 614,572 13,118 2.09 Capital Outlay Information Technology 9,707 9,707 9,706 1 0.01 Village Clerk 9,495 9,495 Police 73,449 73,449 72,187 1,262 1.72 Facility Services 85,000 Planning and Engineering 89,222 8,323 80,899 90.67 Leisure Services - Recreation 26,500 26,500 24,031 2,469 9.32 Pool 101,000 147,135 146,831 304 0.21 Tennis 11,800 17,941 17,941 Library 10,642 Total Capital Outlay 318,098 373,449 288,514 84,935 22.74 Total expenditures $ 17,506,072 $ 17,122,416 $ 16,611,005 $ 511,411 2.99% 71 COMBINING FINANCIAL STATEMENTS NONMAJOR GOVERNMENTAL FUNDS Special Revenue Funds Public Safety Fund Northlake Boulevard Fund Recreation Fund On -Beha f Pension Contributions THE VILLAGE OF NORTH PALM BEACH, FLORIDA Combining Balance Sheet Nonmajor Governmental Funds September 30, 2011 72 Special Revenue Funds Public Northlake On- Behalf Total Nonmajor Safetv Boulevard Pension Governmental Fund Fund Recreation Contributions Funds Assets Cash and cash equivalents $ 975 $ L986 $ 88.174 $ $ 91.135 Due from other governments 51840 51840 Total assets $ 975 $ 1986 $ 88.174 $ 51840 $ 143.975 Liabilities Accounts payable $ $ S $ 51840 $ 51840 Due to other funds 44.028 44.028 Total liabilities 44.028 51840 96.868 Fund balances Assigned 975 L986 44.146 47.107 Total fund balances 975 1986 44.146 47.107 Total liabilities and fund balances $ 975 $ 1986 $ 88.174 $ 51840 $ 143.975 72 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Combining Statement of Revenues, Expenditures, and Changes in Fund Balances Nonmajor Governmental Funds For the Year Ended September 30, 2011 73 Special Revenue Funds Public Northlake On- Behalf Total Nonmajor Safety Boulevard Pension Governmental Fund Fund Recreation Contributions Funds Revenues Intergovernmental $ 5,169 $ $ $ 264,570 $ 269,739 Total revenues 5,169 264,570 269,739 Expenditures Current Public safety 264,570 264,570 Capital outlay 5,441 5,441 Total expenditures 5,441 264,570 270,011 Net changes in fund balances (272) (272) Fund balances - Beginning of year 1.247 1,986 44,146 47,379 Fund balances - End of year $ 975 $ 1,986 $ 44,146 $ $ 47.107 73 FIDUCIARY FUNDS Pension Trust Funds Volunteer Fire Pension Trust Fund General Employees Pension Trust Fund Fire and Police Officers Pension Trust Fund THE VILLAGE OF NORTH PALM BEACH, FLORIDA Combining Statement of Net Assets - Fiduciary Funds September 30, 2011 ASSETS Cash and cash equivalents Investments: Common equity securities U.S. Government agencies Municipal bonds Corporate bonds U.S. Treasun' bonds Equity mutual funds Fixed income mutual funds Accrued interest and dividends Accounts Receivable Prepaids Total assets LIABH,ITIES Accounts payable Total liabilities Volunteer General Fire Employees Pension Pension Fire and Total Police Employee Officers Retirement Pension Funds $ $ 233,423 $ 1,080,818 $ 1,314,241 4,980,195 4,980,195 1,067,419 1,067,419 146,431 146,431 2,459,279 2,459,279 326,235 326,235 4,056,958 19,302 4,076,260 2,589,419 2,589,419 49,550 49,550 23,941 79,995 103,936 216,394 216,394 6,903,741 10,425,618 17,329,359 11,959 29,453 41,412 11,959 29,453 41,412 Net Assets Held in trust for pension benefits and other purposes $ $ 6,891,782 $ 10,396,165 $ 17,287,947 (1) A schedule of funding progress for the General Employees and Fire and Police Officers plans is presented on page 64. 74 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Combining Statement of Changes in Fiduciary Net Assets Employee Retirement Funds For the Year Ended September 30, 2011 Additions Contributions Employer Plan members State on- behalf payments Total contributions Investment earnings Dividends and interest Net (decrease) in fair value of investments Investment expense Total investment earnings (losses) Total additions Deductions Administration Benefits Refund of contributions Total deductions Change in net assets Net assets - beginning Net assets - ending Fire and Total Volunteer General Police Employee Fire Employees Officers Retirement 98,656 268,604 $ 1,202 $ 651,159 $ 641,371 $ 1,293,732 169,948 98,656 268,604 264,570 264,570 1,202 821,107 1,004,597 1,826,906 2,279 34,409 288,612 325,300 (76,944) (465,142) (542,086) (62,774) (53,603) (116,377) 2,279 (105,309) (230,133) (333,163) 3,481 715,798 774,464 1,493,743 17,985 86,692 104,677 109,707 29,679 939,313 1,078,699 32,479 3,777 36,256 109,707 80,143 1,029,782 1,219,632 (106,226) 635,655 (255,318) 274,111 106,226 6,256,127 10,651,483 17,013,836 $ $ 6,891,782 $ 10,396,165 $ 17,287,947 75 AGENCYFUNDS Manatee Protection Agency Northlake Boulevard Task Force THE VILLAGE OF NORTH PALM BEACH, FLORIDA Combining Statement of Agency Net Assets September 30, 2011 Assets Cash and cash equivalents Liabilities Due to others Manatee Protection Agency Agency Funds Northlake Total Boulevard Agency Task Force Funds $ 285,748 $ 60,751 $ 346,499 $ 285,748 $ 60,751 $ 346,499 76 THE VILLAGE OF NORTH PALM BEACH, FLORIDA Combining Schedule of Changes in Agency Net Assets and Liabilities For the Year Ended September 30, 2011 Manatee Protection Agency Assets Cash and cash equivalents Liabilities Due to others Northlake Boulevard Task Force Assets Cash and cash equivalents Liabilities Due to others Total All Agencv Funds Assets Cash and cash equivalents Liabilities Due to others October 1, 2010 additions Deductions September 30, 2011 $ 282,750 $ 2,998 $ $ 285,748 $ 282,750 $ 2,998 $ $ 285,748 $ 61,604 $ 647 $ 1,500 $ 60,751 $ 61,604 $ 647 $ 1,500 $ 60,751 $ 344,354 $ 3,645 $ 1,500 $ 346,499 $ 344,354 $ 3,645 $ 1,500 $ 346,499 77 PROPRIETARY FUND (ENTERPRISE FUND) Country Club Fund THE VILLAGE OF NORTH PALM BEACH, FLORIDA Schedule of Revenues and Departmental Expenses - Budget and Actual Country Club Fund - Budgetary Basis For the Year Ended September 30, 2011 Adjustments to reconcile to the GAAP Basis Total expenses on the budgetary basis 3,597,329 Less capital outlay costs capitalized (60,455) Less debt service (487,573) Add depreciation expense 457,747 Total operating expenses $ 3,507,048 78 variance with Final Budget Original Final Positive Percent Budget Budget Actual (Negative) variance Revenue Greens fee /cart rentals membership fees $ 2,637,170 $ 2,637,170 $ 2,372,337 $ (264,833) -10.04 Golf shop revenues 218,750 218,750 283,927 65,177 29.80 Driving range revenues 200,227 200,227 208,865 8,638 4.31 Restaurant revenues 1,000,000 1,000,000 700,378 (299,622) -29.96 Interest revenues 3,500 3,500 8,493 4,993 142.66 Miscellaneous 2,325 2,325 5,692 3,367 144.82 Total revenues 4,061,972 4,061,972 3,579,692 (482,280) -11.87 Golf Maintenance Operating expenses 1,264,727 1,264,727 1,232,462 32,265 2.55 Capital outlay 8,000 8,000 8,000 100.00 Total Golf Maintenance 1,272,727 1,272,727 1,232,462 40,265 3.16 Golf Pro Shop and Range Personal services 424,501 460,142 470,552 (10,410) -2.26 Operating expenses 332,493 296,852 277,784 19,068 6.42 Total Golf Pro Shop and Range 756,994 756,994 748,336 8,658 1.14 Food and Beverage Personal services 388,219 388,219 354,651 33,568 8.65 Operating expenses 536,829 536,829 483,868 52,961 9.87 Capital outlay 7,500 7,500 3,056 4,444 59.25 Total Food and Beverage 932,548 932,548 841,575 90,973 9.76 Administration Personal services 112,479 112,479 66,860 45,619 40.56 Operating expenses 51,835 51,835 34,404 17,431 33.63 Total Administration 164,314 164,314 101,264 63,050 38.37 Clubhouse and Grounds Operating expenses 105,180 105,180 84,485 20,695 19.68 Capital outlay 60,309 60,309 57,399 2,910 4.83 Total Clubhouse and Grounds 165,489 165,489 141,884 23,605 14.26 Insurance and General Liability Operating expenses 79,000 79,000 40,840 38,160 48.30 Reserves Operating 10,000 10,000 3,395 6,605 66.05 Contingency 180,699 180,699 180,699 100.00 Total Reserves 190,699 190,699 3,395 187,304 98.22 Debt service Debt service 500,201 500,201 487,573 12,628 2.52 Total expenses on the budgetary basis 4,061,972 4,061,972 3,597,329 464,643 11.44 Revenues under expenses $ $ $ (17,637) $ (17,637) Adjustments to reconcile to the GAAP Basis Total expenses on the budgetary basis 3,597,329 Less capital outlay costs capitalized (60,455) Less debt service (487,573) Add depreciation expense 457,747 Total operating expenses $ 3,507,048 78 STATISTICAL SECTION STATISTICAL SECTION This part of the Village of North Palm Beach's comprehensive annual financial report presents detailed unaudited information as a context for understanding what the information in the financial statement, note disclosures, and required supplementary information says about the Village's overall financial health. Contents Paqe Financial Trends These schedules contain trend information to help the reader understand how the Village's financial performance and well -being have changed over time. These schedules include: Net Assets by Component 79 Changes in Net Assets 80 Fund Balances, Governmental Funds 82 Changes in Fund Balances, Governmental Fund 83 Revenue Capacity These schedules contain information to help the reader assess the Village's most significant local revenue source, the property tax. Net Assessed Value and Estimated Actual Value of Taxable Property 85 Property Tax Rates - Direct and Overlapping Governments 86 Principal Property Taxpayers 87 Property Tax Levies and Collections 88 Debt Capacity These schedules present information to help the reader assess the affordability of the Village's current levels of outstanding debt and the Village's ability to issue additional debt in the future. Ratios of Outstanding Debt by Type 89 Direct and Overlapping Governmental Activities Debt 90 Pledged- Revenue Coverage 91 Demographic and Economic Information These schedules offer demographic and economic indicators to help the reader understand the environment within which the Village's financial activities take place. Demographic and Economic Statistics 92 Principal Employers 93 Operating Information These schedules contain service and infrastructure data to help understand how the information in the Village's financial report relates to the services the Village provides and the activities it performs. Full -Time Equivalent Village Government Employees by Function 94 Operating Indicators by Function /Program 95 Capital Asset Statistics by Function /Program 96 Sources: Unless otherwise noted, the information in these schedules is derived from the comprehensive annual financial reports for the relevant year. VILLAGE OF NORTH PALM BEACH NET ASSETS BY COMPONENT LAST TEN FISCAL PEARS (ACCRUAL BASISOFACCOUNTING) Unaudited Fiscal Year Business -Type Activities: Invested in capital assets, net of related debt 2,165,529 2,131,367 1,919,194 1,999,123 2,195,630 Unrestricted (65,937) (5,195) 270,374 415,865 151,005 Total business -type activities net assets 2,099,592 2,126,172 2,189,568 2,414,988 2,346,635 Primary government Invested in capital assets, net of related debt 2003 2004 2005 2006 2007 Governmental Activities: 613,459 470,155 19,828 154,073 113,269 Invested in capital assets, net of related debt $ 3,563,142 $ 3,762,961 $ 3,535,596 $ 8,118,773 $ 10,543,788 Restricted 613,459 470,155 19,828 154,073 113,269 Unrestricted 2,350,342 3,527,865 6,654,989 7,143,452 9,281,170 Total governmental activities net assets 6,526,943 7,760,981 10,210,413 15,416,298 19,938,227 Business -Type Activities: Invested in capital assets, net of related debt 2,165,529 2,131,367 1,919,194 1,999,123 2,195,630 Unrestricted (65,937) (5,195) 270,374 415,865 151,005 Total business -type activities net assets 2,099,592 2,126,172 2,189,568 2,414,988 2,346,635 Primary government Invested in capital assets, net of related debt 5,728,671 5,894,328 5,454,790 10,117,896 12,739,418 Restricted 613,459 470,155 19,828 154,073 113,269 Unrestricted 1284.405 3.521670 6.925363 7.559317 9,431175 Total primary government net assets $ 8,626,535 $ 9,887,153 $ 12,399,981 $ 17,831,286 $ 22,284,862 Primary government Invested in capital assets, net of related debt 2008 2009 2010 2011 Governmental Activities: 979,182 251,088 390,081 548,489 Invested in capital assets, net of related debt $ 12,845,093 $ 16,643,241 $ 18,184,508 $ 17,237,355 Restricted 979,182 251,088 390,081 548,489 Unrestricted 9,836,912 11,016,626 10,568,594 11,775,621 Total governmental activities net assets 23,661,187 27,910,955 29,143,183 29,561,465 Business -Type Activities: Invested in capital assets, net of related debt 2,492,524 2,364,814 2,295,125 2,200,927 Unrestricted 202,802 434,212 403,261 385,623 Total business -type activities net assets 2,695,326 2,799,026 2,698,386 2,586,550 Primary government Invested in capital assets, net of related debt 15,337,617 19,008,055 20,479,633 19,438,282 Restricted 979,182 251,088 390,081 548,489 Unrestricted 10,039,714 11,450,838 10,971,855 12,161,244 Total primary government net assets $ 26,356,513 $ 30,709,981 $ 31,841,569 $ 32,148,015 Note: Data not available prior to fiscal 2002 implementation of Governmental Accounting Standards Board Statement No. 34, Basic Financial Statements and Management's Discussion and Analysis for State and Local Governments. 79 Expenses Governmental activities: General government Public safety Public works Community development and planning Leisure services Other government Interest on long -term debt Total governmental activities expenses Business -type activities: Country club Total business -type activities Total primary government expenses Program Revenues Governmental activities: Charges for services: General government Public safety Public works Community development and planning Leisure services Other government Operating grants and contributions Capital grants and contributions Total governmental activities program revenues VILLAGE OF NORTH PALM BEACH CHANGES IN NET ASSETS LAST TEN FISCAL YEARS (ACCRUALBASISOFACCOUNTING) Unaudited Fiscal Year 2003 2004 2005 2006 2007 $ 2,781,333 $ 3,174,460 $ 2,127,009 $ 1,784,528 $ 2,698,187 5,195,338 5,294,399 6,038,846 7,036,117 6,671,490 3,482,975 3,549,178 5,091,305 4,131,500 3,733.815 - - - 657,112 737,165 1,539,771 1,280,483 1,635,784 2,562,627 2,781,658 - - 842,561 2,049 - 128,507 40,580 151,233 241,995 204,666 13,127,924 13,339,100 15,886.738 16,415,928 16, 826,981 2,676,883 2,567,690 2,607,712 2,124,927 3,570.683 2,676,883 2,567,690 2,607,712 2,124,927 3,570.683 $ 15.804.807 $ 15.906.790 $ 18.494.450 $ 18.540.855 $ 20.397,664 $ 342,936 $ 355,118 $ 285,386 $ 158,160 $ 122,455 258,723 273,391 329,081 388,671 345,731 727,016 895,291 1,326,820 140,923 217,975 - - - 1,175,252 938,188 174,589 147,773 78,475 528,983 496,679 82,134 89,362 1,392,729 998,573 170,389 102,560 462,394 1,454,526 1,687,958 1,760,935 3,412,491 3,852,956 3,745,943 Business -type activities: Charges for services: Country club 2,510,258 2,548,259 2,658,468 2,167,089 3,463,524 Operating grants and contributions - - - 68,883 - Capital grants and contributions 10,000 Total business -type activities program revenues 2,520,258 2,548,259 2,658,468 2,235,972 3,463,524 Total primary government program revenues $ 4,208,216 $ 4.309.194 $ 6.070.959 $ 6.088.928 $ 7,209,467 Net Governmental activities $ (11.439.966) $ (11,578,165) $ (12,474,247) $ (12,562,972) $ (13,081,041) Business -type activities (156.625) (19.431) 50.756 111.045 (107,159) Total primary government net expense $ (11.596.591) $ (11.597.596) $ (12.423.491) $ (12.451.927) $ (13,188,200) General revenues and other changes in net assets: Governmental activities: Taxes: Propertv taxes Local option gas taxes Utility service taxes Franchise taxes Sales and use taxes Unrestricted grants and contributions Investment earnings Miscellaneous Contributions for Support Our Troops Transfers Total governmental activities Business -type activities: Investment income Miscellaneous Transfers Total business -type activities Total primary government Change in net assets Governmental activities Business -type activities Total primary government $ 6,365,000 $ 8,451,783 $ 10,070,977 $ 10,881,501 $ 12,076.184 - - - 307,043 292,332 1,755,153 1,830,339 1,955,403 2,001,164 2,001,443 890,285 861,708 890,297 1,150,974 1,207,552 1,148,210 1,230, 803 1,277,124 1,415,917 1,339, 893 276,302 291,710 421,254 - - 75,023 53,600 196,699 477,420 650,022 54,875 92,260 111,927 53,264 8,836 - - - - 15,502 36,445 5,111 10,564,848 12,812,203 14,923,681 16,323,728 17,596,875 4,586 3,450 12,640 112,841 43,917 99,553 42,560 - - - (36,445) (5,111) 104,139 46,010 12,640 76,396 38,806 $ 10.668.987 $ 12.858213 $ 14.936321 $ 16.400.124 $ 17.635.681 $ (875.118) $ 1,234,038 $ 2,449,434 $ 3,760,756 $ 4,515,834 (52,486) 26,579 63,396 187,441 (68,353) $ 927,604) $ 1,260,617 $ 2,512,830 $ 3,948,197 $ 4,447,481 Note: Data not available prior to fiscal 2002 implementation of Governmental Accounting Standards Board Statement No. 34, Basic Financial Statements and Management's Discussion andAnah'sis for-State and Local Governments. 80 2008 2009 2010 2011 $ 1,839,228 $ 2,239.511 $ 2,679,192 $ 2,403,681 7,154,578 7.095.043 7,304,233 7,232,748 3,996,711 4,083,441 4,594,738 4,733,913 860,448 826.149 806,536 811,177 3,244,045 3,174,623 2,830,292 2,749,065 120,549 26,702 4,384 17,215,559 17,445,469 18,219,375 17,930,584 3,268,562 3,308,535 3,398,206 3,691,528 3,268,562 7308,535 3,398,206 3.691,528 $ 20,484,121 $ 20,754,004 $ 21,617,581 $ 21.622112 $ 123,334 $ 122,569 $ 126,968 $ 130,886 383,325 378,591 465,263 420,653 288,994 394,082 411,722 400,662 888,015 699,130 734,718 861,394 595,558 912,862 1,063,748 1,043,459 W224 105,080 96,670 126,568 1,602,465 2,017,158 75,845 5,169 3,969,915 4,629,472 2,974,934 2,988,791 3,616,509 3,404,859 3,227,580 3,571,199 13,609 - - - 3,630,118 3,404,859 3,227,580 3,571,199 $ 7,600,033 $ 8,034,331 $ 6?02 514 $ 6.559.990 $ (13,245,644) $ (12,815,997) $ (15,244,441) $ (14,941,793) 361556 96324 (170,626) (120,329) $ (12,884.088) $ (12.719.673) $ (15.41.067) $ (1.062.122) $ 11,915,355 $ 11,917,359 $ 11,053,128 $ 10,441,869 278,649 267,557 266,077 259,794 2,018,071 2,239.002 2,261,375 2,198,148 1,212,562 1,256, 831 1,204,328 1,191,155 1,227,341 1,116,107 1,114,945 1,140, 744 194,652 (1,346) 280,217 97,743 55,719 263,459 213,425 30,622 16,959 6,796 49,296, 16,968,604 17765,765 16,393,495 15,360,075 36,431 7,376 14,686 8,493 - - 55,300 (49 296) (11865) 7,376 69,986 8,493 $ 16,955,739 $ 17.073.141 $ 16.463.481 $ 1.368568 $ 3,722,960 $ 4,249,768 $ 1,149,054 $ 418,282 348,691 103,700 (100,640) (111,836) $ 4,071,651 $ 4,353,468 $ 1,048,414 $ 306,446 81 VILLAGE OF NORTH PALM BEACH FUND BALANCES, GOVERNMENTAL FUNDS LAST TEN FISCAL YEARS (MODIFIED-4 CCRUAL BASIS OF -4 CCO UNTING) Unaudited General Fund Reserved Unreserved Total general fund All other Governmental Funds Reserved Unreserved, reported in: Special revenue funds Capital projects funds Total all other governmental funds General Fund Reserved Unreserved Total general fund All other Governmental Funds Reserved Unreserved, reported in: Special revenue funds Capital projects funds Total all other governmental funds General Fund Nonspendable Restricted Assigned Unassigned Total general fund All other Governmental Funds Restricted Assigned Special revenue funds Capital projects funds Total all other governmental funds 2003 2004 2005 2006 2007 $ 354,396 $ 218,882 $ 197,163 $ 308,836 $ 945,891 1,654,593 2,883,855 5,771,684 7,022,606 8,179,659 $ 2,008,989 $ 3,102,737 $ 5,968,847 $ 7,331,442 $ 9,125,550 $ 613,459 $ 470,155 $ 19,828 $ - $ - - - - 400,000 224,937 - - - 397,233 673,232 $ 613,459 $ 470,155 $ 19,828 $ 797,233 $ 898,169 2008 2009 $ 775,339 $ 563,115 8,265,513 10,058,216 $ 9,040,852 $ 10,621,331 $ 239,979 $ 594,399 (152,861) 713,373 825,778 $ 1,547,751 $ 672,917 2010 2011 $ 167,108 $ 276,924 338,457 548,489 104,245 186,594 10, 443, 099 10, 688, 660 $11,052,909 $ 11,700,667 47379 47,107 844.742 1,491,574 $ 891121 $ 1,538,681 Note: Data not available prior to fiscal 2002 implementation of Governmental Accounting Standards Board Statement No. 34, Basic Financial Statements and Management's Discussion andAnalvsis for State and Local Governments. The Village implemented GAS 54, Fzind Balance Reporting and Government Fzlnd Definitions, in 2011 and restated the 2010 amounts. 82 VILLAGE OF NORTH PALM BEACH CHANGES IN FUND BALANCES, GOVERNMENTAL FUNDS LAST TEN FISCAL YEARS ( MODIFIED -4CCRUALB-4SISOF-4CCOUNTING) Unaudited Revenues: Taxes Licenses and Permits Intergovernmental Charges for services Fines and forfeitures Investment earnings Miscellaneous Total revenues Expenditures: General government Public safety Public works Community development and planning Leisure services - recreation Other government Capital outlay Debt service Principal payments Interest paid on debt Total expenditures Excess of revenues over (under) expenditures Other financing sources (uses) Transfers in Transfers out Capital lease Proceeds from debt issuance Miscellaneous Total other financing sources (uses) Net change in fund balances Debt service as a percentage of noncapital expenditures Fiscal Year 2003 2004 2005 2006 2007 $ 9,292,822 $ 11,439,823 $ 13,236,952 $ 14,340,682 $ 15,577,511 686,548 712,184 1,131,903 1,128,658 880,266 1,280,228 1,350,104 2,804,985 2,914,057 2,750,021 665,496 719,589 647,915 1,003,660 1,082,569 113,391 122,407 234,513 165,496 132,158 75,023 53,600 196,699 477,421 650,022 139,354 175,431 83,205 130,515 194,716 12,252,862 14,573,138 18,336,172 20,160,489 21,267,263 1,360,072 1,532,561 2,061,545 1,648,131 2,304,654 4,758,982 5,019,361 5,713,904 6,494,578 6,609,801 3,285,603 3,280,274 5,019,739 4,708,196 3,558,264 651,331 735,155 1,216,156 1,256,066 1,376,950 1,682,030 2,430,403 1,298,492 1,186,730 817,293 2,049 2,542,819 581,938 - 1,917,377 2,737,805 939,396 955,184 903,225 879,527 789,048 136,676 40,580 151,233 199,373 207,088 15, 538,196 13, 852,694 16,043,889 18,182,592 19,372,218 (3,285,334) 720,444 2,292,283 1,977,897 1,895,045 1,471,529 593,884 (1,471,529) (593,884) 403,000 230,000 123,500 (56) 402,944 230,000 123,500 - - $ (2,882,390) $ 950,444 $ 2,415,783 $ 1,977,897 $ 1,895,045 9.0300 8.1100 7.0300 7.2900 6.4100 83 2008 2009 2010 2011 $ 15,424,638 $ 15,680,749 $ 14,784,906 $ 14,090,966 1,047,144 880,016 910,997 959,098 2,459,211 3,315,908 1,768,388 1,557,377 1,268,774 1,684,718 1,944,245 1,934,424 235,965 145,340 142,048 164,366 194,652 (1,345) 280,218 97,743 137,447 300,455 278,062 59,462 20,767,831 22,005,841 20,108,864 18,863,436 2,246,461 1,970,257 2,496,342 2,402,241 7,056,833 6,835,730 7,021,231 7,053,282 3,725,450 3,432,556 3,887,034 4,044,642 840,366 784,486 774,121 790,937 2,876,840 2,898,252 2,361,388 2,295,959 2,597,065 3,939,455 663,582 682,057 716,206 1,395,735 2,250,000 143,726 43,725 4,384 20,202,947 21,300,196 19,458,082 17,269,118 564,884 705,645 650,782 1,594,318 1,254,952 454,111 163,490 1,334,934 (1,254,952) (454,111) (163,490) (1,334,934) $ 705,645 $ 564,884 $ 650,782 $ 1,594,318 4.91'o 8.0700 11.9900 84 VILLAGE OF NORTH PALM BEACH NET ASSESSED VALUE AND ESTIMATED ACTUAL VALUE OF TAXABLE PROPERTY LAST TEN FISCAL YEARS Unaudited Real Property Fiscal Year Ended Tax Role Residential Commercial Personal Total Net Market - Total Direct Sept 30, Year Property Property Property Assessed Value Tax Rate 2002 2001 $ 823,286,154 $ 124,216,202 $ 42,791,419 $ 990,293,775 5.60 2003 2002 963,091,506 128,216,552 44,276,499 1,135,584,557 5.80 2004 2003 1,092,433,722 147,927,933 44,914,124 1,285,275,779 6.80 2005 2004 1,180,028,585 208,240,338 49,767,286 1,438,036,209 7.27 2006 2005 1,441,249,707 179,827,665 44,422,817 1,665,500,189 6.80 2007 2006 1,700,678,282 235,776,768 45,084,335 1,981,539,385 6.30 2008 2007 1,744,202,888 229,300,592 43,735,861 2,017,239,341 6.10 2009 2008 1,575,367,916 230,599,951 41,471,282 1,847,439,149 6.70 2010 2009 1,394,954,867 221,443,121 40,552,276 1,656,950,264 6.90 2011 2010 1,295,097,223 210,844,220 38,261,607 1,544,203,050 6.9723 Note: Assessed values are established by the Palm Beach Property Appraiser's office as of January 1, each year. Assessments were increased to 100% of market value as of 1980. Property in the Village is reassessed each year. Property is assessed at actual value, therefore the assessed values are equal to actual value. Tax rates are per $1,000 of assessed value. Source: Palm Beach County Property Appraiser 85 VILLAGE OF NORTH PALM BEACH PROPERTY TAX RATES - DIRECT AND OVERLAPPING GOVERNMENTS LAST TEN FISCAL YEARS Unaudited Fiscal Tax Roll Village of Year Year N. Palm Beach 2002 2001 5.600 2003 2002 5.800 2004 2003 6.800 2005 2004 7.270 2006 2005 6.800 2007 2006 6.300 2008 2007 6.100 2009 2008 6.698 2010 2009 6.900 2011 2010 6.9723 Overlapping Rates (1) Palm Beach County Palm Special School Beach Districts District County 8.95 4.935 2.456 8.78 4.808 2.488 8.57 4.791 2.556 8.43 4.768 2.526 8.11 4.719 2.504 7.87 4.480 2.325 7.36 3.981 2.131 7.25 3.966 2.257 7.98 4.561 2.493 8.154 4.996 2.5549 Note: All millage rates are based on $1 for every $1,000 of assessed value. Total Direct and Overlapping Rates Source: North Palm Beach: Notice of Ad Valorem Taxes and Non -Ad Valorem Assessments 21.941 21.876 22.717 22.994 22.133 20.975 19.572 20.171 21.934 22.6772 (1) Overlapping rates are those of local and county governments that apply to property owners within the Village of North Palm Beach. Not all overlapping rates apply to all Village of North Palm Beach property owners (i.e. The rates for special districts apply only to the proportion of the government's property owners whose property is located within the geographic boundaries of the special district.) 86 Taxpayers Florida Power & Liaht Olen Residential Realty Greater Fla Inv Co & Sanctuary Bay Trust Corporation Crystal Tree Property Owners, LLC New Country Motor Cars Old Port Cove Holding, Inc CF02 Palm Beach III LP Domani Development, LLC Village Shoppers at US 1 LLC Interevest Crystal Tree North Palm Properties, LTD Transcontinental Atrium, Inc. Roschman, M. Elaine TR WCI Communities, Inc Pavilion Office Center Old Port Cove Dev. Total VILLAGE OF NORTH PALM BEACH PRINCIPAL PROPERTY TAXPAYERS CURRENT YEAR AND 2002 Unaudited Taxable Assessed Value $ 14,537,154 14.500.000 13,376.802 11.600.000 11.000.000 10.984.628 8.475.000 7.000.000 6.884,529 6,210,237 $ 104,568350 2011 6.77 °'0 2002 Percentage of Total Village Net Taxable Taxable Assessed Assessed Value Rank Value 17399,486 1 5.840.000 5 13.120.685 2 9.873.474 3 8.600.000 4 4.590.000 6 4.100.000 7 4.009.300 8 3.240.000 9 3,118,107 10 $ 73,891,052 Source: Palm Beach Country Appraiser Note: Assessed values are established by the Palm Beach Property Appraiser's offices as of January I. each year. 87 1.76 °'0 0.59 °'0 1.32 °'0 1.00 °'0 0.87 °'0 0.460,0' 0.410o 0.400o 0.33 °'0 0.31 °'0 7.450,a'. Percentage of Total Village Net Taxable Assessed Rank Value 1 0.94 °b 2 0.94 °b 3 0.870,0' 4 0.750,0' 5 0.71 °'0 6 0.71 °'0 7 0.55 °'0 8 0.450,0' 9 0.45° %0 10 0.40° %0 6.77 °'0 2002 Percentage of Total Village Net Taxable Taxable Assessed Assessed Value Rank Value 17399,486 1 5.840.000 5 13.120.685 2 9.873.474 3 8.600.000 4 4.590.000 6 4.100.000 7 4.009.300 8 3.240.000 9 3,118,107 10 $ 73,891,052 Source: Palm Beach Country Appraiser Note: Assessed values are established by the Palm Beach Property Appraiser's offices as of January I. each year. 87 1.76 °'0 0.59 °'0 1.32 °'0 1.00 °'0 0.87 °'0 0.460,0' 0.410o 0.400o 0.33 °'0 0.31 °'0 7.450,a'. VILLAGE OF NORTH PALM BEACH PROPERTY TAX LEVIES AND COLLECTIONS LAST TEN CALENDAR YEARS Unaudited Collected within Source: Palm Beach Country Property Appraiser * Information presented is preliminary due to county software upgrade problems. 88 the Fiscal Year Total Collections Fiscal Year Total Taxes of the Lew Collections in to Date Ending Tax Roll Levied for Percent Subsequent Percent Sept 30, Year Fiscal Year Amount of Levy Years Amount of Lew 2002 2001 5,562,239 5,357,206 96.31% 12,175 5,369,381 96.53% 2003 2002 6,597,909 6,359,478 96.39% 5,522 6,365,000 96.47% 2004 2003 8,825,061 8,441,383 95.65% 10,401 8,451,784 95.77% 2005 2004 10,463,873 10,059,478 96.14% 9,476 10,068,954 96.23% 2006 2005 11,329,648 10,690,869 94.36% 172,744 10,863,613 95.89% 2007 2006 12,624,307 11,802,457 93.49% 228,352 12,030,809 95.30% 2008 2007 12,360,135 11,546,732 93.42% 333,756 11,880.488 96.12% 2009 2008 12,401,519 11,530,384 92.98% 349,642 11,880,026 95.79% 2010 2009 11,564,281 10,683,829 92.39% 284,004 10,967,833 94.84% 2011 2010 10,793,319 10,097,289 93.55% 298,514 10,395,803 96.32% Source: Palm Beach Country Property Appraiser * Information presented is preliminary due to county software upgrade problems. 88 VILLAGE OF NORTH PALM BEACH RATIOS OF OUTSTANDING DEBT BY TYPE LAST TEN FISCAL YEARS Unaudited * 2010 Median Household Income was used for calculation - 2011 Income was not available due to agency software upgrades * * 2010 Population was used for calculation - 2011's Population was not available due to agency software upgrades (1) See the Schedule of Demographic and Economic Statistics on page 92 for personal income and population data. N/A Data not available. 89 Business -type Governmental Activities Activities Fiscal Year Percent of Ended Loans Capital Loans Capital Median Personal Per Sept 30, Pavable Leases Pavable Leases Total Income (1) Capita 1 2002 7,334,853 736,967 651,058 8,722,878 N/A 715.11 2003 6,947,633 587,792 513,472 8,048,897 N/A 659.85 2004 6,376,387 433,855 411,573 7,221,815 N/A 592.05 2005 5,754,677 275,840 454,131 6,484,648 N/A 513.31 2006 4,941,765 209,224 5,185,978 10,336,967 17.20 °o 786.20 2007 4,280,842 81,100 5,026,895 9,388,837 14.67 °o 715.61 2008 3,605,639 40,097 4,662,833 192,892 8,501,461 12.92° o 692.64 2009 2,250,000 - 4,383,033 97,049 6,730,082 10.14° o 583.15 2010 - 4,090,284 235,176 4,325,460 6.74 °o 371.64 2011 3,844,928 173,084 4,018,012 *6.26°o * *345.22 Note: Details regarding the Village's outstanding debt may be found in the notes to the financial statements. * 2010 Median Household Income was used for calculation - 2011 Income was not available due to agency software upgrades * * 2010 Population was used for calculation - 2011's Population was not available due to agency software upgrades (1) See the Schedule of Demographic and Economic Statistics on page 92 for personal income and population data. N/A Data not available. 89 VILLAGE OF NORTH PALM BEACH DIRECT AND OVERLAPPING GOVERNMENTAL ACTIVITIES DEBT SEPTEMBER 30, 2011 Unaudited Debt repaid with property taxes: Palm Beach County Palm Beach County School Board Other debt: Palm Beach County Palm Beach County School Board Subtotal, overlapping debt Village of North Palm Beach Direct Debt Total direct and overlapping debt Sources: Palm Beach County Tax Appraiser's Office Palm Beach County School Board Palm Beach County Clerk & Comptroller 13,979,245 100% - $ 13,979,245 Note: Overlapping governments are those that coincide, at least in part, with the geographic boundaries of the Village. This schedule estimates the portion of the outstanding debt of those overlapping governments that is borne by the residents and businesses of the Village of North Palm Beach. This process recognizes that, when considering the Village's ability to issue and repay long -term debt, the entire debt burden borne by the residents and businesses should be taken into account. However, this does not imply that every taxpayer is a resident, and therefore responsible for repaying the debt, of each overlapping government. (1) For debt repaid with property taxes, the percentage of overlapping debt applicable is estimated using taxable assessed property values. Value that is within the Village's boundaries and dividing it by the County's and School Board's total taxable assessed value. This approach was also used for the other debt. 90 Percentage Amount Net Applicable to Applicable to Debt the Village of the Village of Outstanding North Palm Beach (1) North Palm Beach $ 226,545,000 1.22% $ 2,763,849 1.15% 884,215,000 1.22% 10,787,423 37,215,000 1.15% 427,973 13,979,245 100% - $ 13,979,245 Note: Overlapping governments are those that coincide, at least in part, with the geographic boundaries of the Village. This schedule estimates the portion of the outstanding debt of those overlapping governments that is borne by the residents and businesses of the Village of North Palm Beach. This process recognizes that, when considering the Village's ability to issue and repay long -term debt, the entire debt burden borne by the residents and businesses should be taken into account. However, this does not imply that every taxpayer is a resident, and therefore responsible for repaying the debt, of each overlapping government. (1) For debt repaid with property taxes, the percentage of overlapping debt applicable is estimated using taxable assessed property values. Value that is within the Village's boundaries and dividing it by the County's and School Board's total taxable assessed value. This approach was also used for the other debt. 90 Fiscal Year (4) 2006 2007 2008 2009 2010 2011 VILLAGE OF NORTH PALM BEACH Pledged - Revenue Coverage Country Club Bonds Last Ten Fiscal Years Unaudited Gross Operating Revenues (1) Expenses (2) Net Revenue Required Debt Service Coverage (3) $ 2,348,813 $ 1,910,640 $ 438,173 $ 106,936 4.10 3,507,441 2,991,621 515,820 392,505 1.31 3,652,940 2,558,591 1,094,349 394,900 2.77 3,412,235 2,587,171 825,064 394,900 2.09 3,242,266 2,728,470 513,796 394,900 1.30 3,579,692 3,049,301 530,391 394,900 1.34 (1) Gross revenue includes interest revenue. (2) Operating expenses excludes depreciation. (3) Coverage should be not less than 1.00. (4) 2006 was the first year the debt was outstanding, and was not a complete year. 91 (4) Calendar Year 2002 2003 2004 2005 2006 (estimate) 2007 (estimate) 2008 (estimate) 2009 (estimate) 2010 (estimate) 2011 (estimate) Sources: Note VILLAGE OF NORTH PALM BEACH DEMOGRAPHIC AND ECONOMIC STATISTICS LAST TEN CALENDAR YEARS Unaudited Business Development Board US Census Bureau * 2011 Demographic data is not available due to Agency Software upgrade that is not complete (1) All information available at the current time is presented. (2) North Palm Beach is not large enough to track unemployment rates. Palm Beach Count-,,, rates are presented. 92 Per Palm Beach Median Capita Count-,,, Personal Personal Unemployment Population (1) Income (1) Income (1) Rate (2) 12,198 - - 6.1 12,198 - - 5.6 12,198 - - 5.0 12,633 - - 4.0 13,148 60,101 46,726 3.3 13,120 63,984 42,224 4.1 12,274 65,815 45,563 6.3 11,541 66,401 49,350 10.8 11,639 64,156 49,130 12.0 * * * 10.7 Business Development Board US Census Bureau * 2011 Demographic data is not available due to Agency Software upgrade that is not complete (1) All information available at the current time is presented. (2) North Palm Beach is not large enough to track unemployment rates. Palm Beach Count-,,, rates are presented. 92 Emplover Palm Beach Country School Board Palm Beach County Government State Government Federal Government Tenet Health Care Corp (2) Florida Power & Light Company G4S Headquarters HCA - Hospital Corp. of America (1) Florida Alantic University Bethesda Memorial Hospital Total VILLAGE OF NORTH PALM BEACH PRINCIPAL EMPLOYERS CURRENT YEAR AND NINE YEARS AGO Unaudited 2011 68,819 11.13% Palm Beach Country School Board Palm Beach County Government State Government Federal Government HCA - Hospital Corp. of America (1) Intracoastal Health Systems, Inc (2) U.S. Sugar Corporation Florida Power & Light Company Boca Raton Resort & Club (Hotel) Florida Crystals Total Source: Business Development Board of Palm Beach County Employer: Palm Beach County Information is not available for the Village of North Palm Beach. ** Percentage of total employment is calculated using Palm Beach County's available labor force in each of the respective years presented. Notes: (1) Formerly Columbia Palm Beach Health Care Systems, Inc (2) Intracoastal Health Systems, Inc - now part of Tenet Healthcare Corp 93 2002 Percentage of Total Employees Employment 21,495 3.47% 11,381 1.84% 9,200 1.49° u 6,200 1.00° u 6,100 0.99% 3,632 0.59% 3,000 0.48% 2,714 0.44% 2,706 0.44% 2,391 0.39% 68,819 11.13% Palm Beach Country School Board Palm Beach County Government State Government Federal Government HCA - Hospital Corp. of America (1) Intracoastal Health Systems, Inc (2) U.S. Sugar Corporation Florida Power & Light Company Boca Raton Resort & Club (Hotel) Florida Crystals Total Source: Business Development Board of Palm Beach County Employer: Palm Beach County Information is not available for the Village of North Palm Beach. ** Percentage of total employment is calculated using Palm Beach County's available labor force in each of the respective years presented. Notes: (1) Formerly Columbia Palm Beach Health Care Systems, Inc (2) Intracoastal Health Systems, Inc - now part of Tenet Healthcare Corp 93 2002 Percentage of Total Employees Employment 18,677 3.21% 9,000 1.55% 8,705 1.50% 5,660 097% 4,000 0.69% 3,040 0.52% 3,000 0.52% 2,800 0.48% 2,380 0.41% 2,000 0.34% 59,262 10.19% VILLAGE OF NORTH PALM BEACH Full -Time Equivalent Village Government Employees by Function LAST TEN FISCAL YEARS ( *) Unaudited 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 Number of Employees: General Government Village Manager - Full -Time 1 1 1 1 1 1 1 1 1 1 Assistant Village Manager - Full -Time 1 1 1 1 0 0 0 0 0 0 Systems Specialist Full -Time 1 1 1 1 2 2 2 2 2 2 Part -Time 0 0 0 0 0 0 0 1 1 1 Executive Secretarv_ - Full -Time 1 1 1 1 1 1 1 1 1 1 Human Resources 2 2 2 2 2 2 Village Clerk- Full -Time 2 3 3 _ _ _ 3 3 3 3 Finance Full -time 5 5 5 5 5 5 5 5 5 5 Part -Time 0 0 0 0 0 0 1 1 1 1 Public Works Full -time 61 61 61 62 54 47 48 38 37 37 Part -Time 4 8 8 6 3 0 0 0 0 0 Public Safety Full -time 63 66 66 61 66 68 68 67 67 67 Part -Time 12 14 14 15 14 13 12 11 12 12 Community Development and Planning Full -time 0 0 0 0 0 9 10 9 9 9 Part -Time 0 0 0 0 0 1 1 2 2 2 Leisure Services Library Full -time 9 9 9 8 7 7 7 6 6 6 Part -Time 8 7 7 7 8 8 8 10 10 10 Recreation Full -time 5 6 6 5 15 15 17 9 7 6 Part -Time 14 14 14 15 31 39 42 42 42 43 Other Government - Countrv_ Club Full -time 24 25 25 24 18 19 18 5 5 7 Part -Time 36 27 27 27 24 25 22 21 21 64 Total Number of Employees Budgeted FY Ending 247 249 249 242 254 265 268 236 234 279 * Variance exists due to the employment of seasonal and part -time employees. Source: Village of North Palm Beach Budget Report 94 VILLAGE OF NORTH PALM BEACH OPERATING INDICATORS BY FUNCTION/PROGRAM LAST TEN FISCAL YEARS Unaudited 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 FUNCTION/PROGRAM GENERAL GOVERNMENT Number of Parcels - - - - - 7,411 7,422 7,472 7,466 7,466 PUBLIC WORKS Street Maintenance (No. of lane miles maintained) 31.155 31.155 31.155 31.155 31.155 31 31 31 31 31 Sanitation (Tons of Refuse Collected) 11996 13.136 18,842 14,037 13,203 12,085 11,974 10,667 10,165 9,962 No. of collection units for solid waste (residential) 7.328 7.434 7,470 7,519 7,558 7,152 7,163 7,214 7,070 7,071 Number of vehicles maintained 95 95 95 95 95 104 104 110 110 98 Number of repair overlays completed (iniles) 2.840 1 787 5.587 2.462 2.935 2 3 2.5 2.71 - PUBLIC SAFETY Number of arrests by police officers 246 320 315 331 410 545 549 448 402 260 Number of traffic citations issued 3,936 2,564 3,110 5,743 4,272 4,269 5,520 6,305 4,951 2,564 EMS average response times (minutes) 3.33 2.94 4.42 3.98 4.69 4.73 5.17 5.01 5.12 5.19 Number of EMS calls 853 922 1,066 965 1,056 1,034 1,114 1,214 1,146 1,179 COMMUNITY DEVELOPMENT & PLANNING Building Department- Number ofPennits 205 224 201 201 (1) 1,875 1,619 1,548 1,744 1,616 Number of code enforcement violations - 1,767 1,617 729 613 391 575 Number of code violations brought to board/magistrate (Calendar Yr End) 101 120 145 165 144 126 115 73 38 72 RECREATION Number of community events presented 13 14 15 22 21 24 23 28 28 38 Number of registrants in athletic programs 2,185 1,750 1,575 1,400 1,520 1,600 1,400 1,125 1,005 1,260 LIBRARY Library - Number of Volumes 47,339 47,960 47,531 54,074 47,371 42,372 33,122 35,681 39,277 40,658 OTHER GOVERNMENT Country Club Number of Golf Members Number of Tennis Members (1) An accurate number of building permits issued for 2006 is not available - computer systems crash. Source: Village of North Palm Beach U.S. Census Bureau 95 365 579 389 297 354 298 136 171 171 180 184 173 VILLAGE OF NORTH PALM BEACH CAPITAL ASSET STATISTICS BY FUNCTION /PROGRAAI LAST TEN FISCAL YEARS Unaudited Function Program: General Government No. of General Government Buildings 11 11 11 11 11 11 11 23 23 23 Public Works Square illiles 5.18 5.18 5.18 5.18 5.18 5.18 5.18 5.18 5.18 5.18 1\files of Streets 36.00 36.00 36.00 36.00 36.00 36.00 36.00 36.00 36.00 36.00 Number of Street Lights 425 425 425 425 425 425 513 513 513 513 Public Safety Fire: Number of Stations 1 1 1 1 1 1 1 1 1 1 Number of Fireman & Officers 8 8 8 8 0 0 0 0 0 0 Number of Firemen Paramedics EXITS 0 0 0 0 23 23 23 23 23 23 Police EMS Protection: Number of Stations 2 1 1 1 1 1 1 1 1 1 Number of Policemen & Officers 33 35 35 35 33 32 32 31 31 31 EXIS Protection 13 13 13 13 0 0 0 0 0 0 Leisure Sereices Recreation Number of Parks 4 4 4 4 4 4 4 4 4 4 Public Tennis Courts 4 4 4 4 2 2 2 2 2 2 Swimming Pool 1 1 1 1 1 1 1 1 1 1 Number of Marinas 1 1 1 1 1 1 1 1 1 1 Library Number of Libraries 1 1 1 1 1 1 1 1 1 1 Number of Volumes 47,339 47,960 47,531 54,074 47,371 42,372 33,122 35,681 39,277 40,658 Other Government Country Club Golf Course 1 1 1 1 1 1 1 1 1 1 Driving Range 1 1 1 1 1 1 1 1 1 1 Tennis Courts 10 10 10 10 10 10 10 10 10 10 Restaurant iSanckBar - - - 1 1 Source: Village of North Palm Beach 96 OTHER REPORTS NH &M NOWLEN, HOU& MINER, P.A. WESTPALM BEACH OR WE 215 P FM STREEr.SL9f1E 2C0 P0STC*FKEI B(1X 3V YfMWaN 3 4CIZQ34F TMJWMWB (obi ) dS %Wu FAX (W � a'iy�FM1iA REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING AND ON COMPLIANCE AND OTHER MATTERS BASED ON AN AUDIT OF FINANCIAL STATEMENTS PERFORMED IN ACCORDANCE WITH GO VERNMENT A UDITING STANDARDS The Honorable Mayor and Members of the Village Council North Palm Beach, Florida FYFRFTT 5 KCMI FN ;1020-, WF :, P:P- rw +iva i u^� i. Ciu =06=RT W. HF4TR.�.0 [X,..R.. ,'P- J",-Pi 6w, ILA 'v' lI, cm KATtuLEEY& MN =_R, OPA TF RW L AIQF —044, ..R . GM h. Hu%%MOL4VL -1, CPA J. WCJ -A6_ a--E VEN$, GPA :LLFWAC VARQ4kGPA U� AN J 9HLSL L\ CF'!P, CPA KARA 7 =EfER64K .0 mA FrAimnn T, mni- .-a.,C A RFI IF GI ALnF OFFICF 331$ F wnd $TRFFT P46TpFF CF ROSS 339 8FI L F GL ADF, RoRIm 33&3D 0339 TELEPHONE (591 ) 9911-51312 FAX {591 j 996 -9248 We have audited the financial statements of the governmental activities, the business -type activities, each major fund, and the aggregate remaining fund information of the Village of North Palm Beach, Florida, as of and for the year ended September 30, 2011, which collectively comprise the Village of North Palm Beach, Florida's basic financial statements and have issued our report thereon dated March 13, 2012. We conducted our audit in accordance with U.S. generally accepted auditing standards and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States. Internal Control Over Financial Reporting In planning and performing our audit, we considered the Village of North Palm Beach, Florida's internal control over financial reporting as a basis for designing our auditing procedures 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 Village of North Palm Beach, Florida's internal control over financial reporting. Accordingly, we do not express an opinion on the effectiveness of the Village of North Palm Beach, Florida's internal control over financial reporting. 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. AMERICAN INST FUTE CIF CERTIFIED PUBUC#000UNTANT5 • FLORIDA INS 17UTE OF COMFIM PUBMAC013UN7AN7S • CPAMERYCA INTERNATICINAL Our consideration of internal control over financial reporting was for the limited purpose described in the first paragraph of this section and was not designed to identify all deficiencies in internal control over financial reporting that might be deficiencies, significant deficiencies, or material weaknesses. We did not identify any deficiencies in internal control over financial reporting that we consider to be material weaknesses, as defined above. Compliance and Other Matters As part of obtaining reasonable assurance about whether Village of North Palm Beach, Florida's financial statements are free of 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 determination of financial statement amounts. However, providing an opinion on compliance with those provisions was not an objective of our audit, and accordingly, we do not express such an opinion. The results of our tests disclosed no instances of noncompliance or other matters that are required to be reported under Government Auditing Standards. We noted certain matters that we reported to the management of the Village of North Palm Beach, Florida in the attached Management Letter dated March 13, 2012. This report is intended solely for the information and use of management, the audit committee, Village Council, and federal and state awarding agencies and pass - through entities and is not intended to be and should not be used by anyone other than these specified parties. March 13, 2012 West Palm Beach, Florida 1G61A1; 9' " UIIY�IJL PQ, 98 NH H N LE , H+OU c MINERS P.A. L�!]d:I'L171 ?[] L'11FS[.[ {: A[ ['[IL'N']'AY'] FVFRFTT R 1%CM1FW;1n91F'W1A1, rPJ r i;wmiva 1 iio.1. CIN Yfl__bM 3. M hF H, GF'Y ==FIT W. HF4- RK-R., G V?@K'+kLMME CHCETICC JaY I IYFaIyY'WMII.CIl 213 P7F'LEi STR1=.5iFII'fi ZLO POSP [1FFKS BOX Ir WE5T FALM ElMLlZH,FLl0RHM $34020347 WA,x (%I) #51?W KCHLE =_nn ux =R, cw TFtiR'YI MnWYXJ..R.QN J. YZMkE STEh , CFV ALRX6k F 1AM& QL'J K" a P m CIN MANAGEMENT LETTER pPiWMD7.b*X- -cJR,rpo F lE W ALSF 0FFICF The Honorable Mayor and Members of the Village Council = 8,9, vne STRFFI POU OFF OF ROX 33i Village of North Palm Beach, Florida AFI L F GLADF, FLC)gPDA 33,L3Dg33[ TELEPHONE (M i) f�9L�S61 s FAX (56 1) 9BM24L We have audited the financial statements of the Village of North Palm Beach, Florida, as of and for the year ended September 30, 2011, and have issued our report thereon dated March 13, 2012. We conducted our audit in accordance with U.S. generally accepted auditing standards, and the standards applicable to financial audits contained in Government Auditing Standards issued by the Comptroller General of the United States. We have issued our Independent Auditor's 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. Disclosures in that report, which is dated March 13, 2012, should be considered in conjunction with this management letter. Additionally, our audit was conducted in accordance with Chapter 10.550, Rules of the Auditor General, which governs the conduct of local governmental entity audits performed in the State of Florida. This letter includes the following information, which is not included in the aforementioned auditor's report. PRIOR YEAR COMMENTS The Rules of the Auditor General require that we address in the management letter whether or not recommendations made in the preceding annual financial audit report have been followed. All prior year recommendations have been implemented. CURRENT YEAR COMMENTS The Rules of the Auditor General require that we address in the management letter any recommendations to improve financial management. In connection with our audit for the fiscal year ended September 30, 2011, we did not have any such recommendations. Amr R IC.Aw IN C'T[TL 1TF m: r= RTIF im PL 1RI Jr. AC:[':[- 11NTANT14 - FI €SR I n A INCTITL 1TF nF n PL 1RI Jr. Ar..d:f411%7ANTF - CPAUPR WA IN7FRPUAT1nPdA1 Investment ofPublic Funds Rules of the Auditor General require our audit to include a review of the Village's compliance with Section 218.415, Florida Statutes, regarding the investment of public funds. In connection with our audit for the fiscal year ended September 30, 2011, the results of our procedures did not disclose any instances of noncompliance with Section 218.415, Florida Statutes. Violations of Contracts and Grant Provisions or Abuse Rules of the Auditor General require that we address violations of provisions of contracts or grant agreements or abuse that have occurred, or are likely to have occurred, that have an effect on the financial statements that is less than material but more than inconsequential. In connection with our audit for the fiscal year ended September 30, 2011, we did not have any such findings. Matters Inconsequential to the Financial Statements Rules of the Auditor General provide that the auditor may, based on professional judgment, report the following matters that have an inconsequential effect on the financial statements, considering both quantitative and qualitative factors: (1) violations provisions of contracts or grant agreements, fraud, illegal acts, or abuse; and (2) deficiencies in internal control that are not significant deficiencies. In connection with our audit for the fiscal year ended September 30, 2011, we did not have any such findings. Oversight Unit and Component Units The Village of North Palm Beach, Florida, is a municipal corporation incorporated in 1956 pursuant to Chapter 3 148 1, Laws of Florida, Extraordinary Session 1956. Based upon the application of criteria defined in publications cited in Chapter 10.553, Rules of the Auditor General, the Village has determined that there are no component units related to the Village. Consideration of Financial Emef ency Criteria Rules of the Auditor General require a statement be included as to whether or not the local government entity has met one or more of the conditions described in Section 218.503(1), Florida Statutes, and identification of the specific condition(s) met. In connection with our audit, the results of our procedures did not disclose that the Village of North Palm Beach, Florida has met any of the conditions described in Section 218.503(1) during the fiscal year ended September 30, 2011. Annual Financial Report Rules of the Auditor General require that we determine whether the annual financial report for the Village of North Palm Beach, Florida for the fiscal year ended September 30, 2011, filed with the Florida Department of Financial Services pursuant to Section 218.32(1)(a), Florida Statutes, is in agreement with the annual financial audit report for the fiscal year 100 ended September 30, 2011. In connection with our audit, we noted that the two reports were in substantial agreement. Financial Condition Assessment Procedures Pursuant to Rules of the Auditor General, we applied financial condition assessment procedures as of September 30, 2011. It is management's responsibility to monitor the Village's financial condition, and our financial condition assessment was based in part on representations made by management and the review of financial information provide by management. The results of our procedures did not disclose any matters that are required to be reported. Excess oxpenditures Over Appropriations There were no departments that had expenditures in excess of appropriations. Pursuant to Chapter 119, Florida Statutes, this management letter is a public record and its distribution is not limited. Auditing standards generally accepted in the United States of America require us to indicate that this letter is intended solely for the information and use of management, the audit committee, Village Council, federal and state awarding agencies and pass - through entities, and the Florida Auditor General, and is not intended to be and should not be used by anyone other than these specified parties. March 13, 2012 West Palm Beach, Florida % 4 OWMX, Pa, 101