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HomeMy WebLinkAboutCAFRCITY OF NATIONAL CITY Comprehensive Annual Financial Report For the Year Ended June 30, 2010 (This page intentionally left blank) CITY OF NATIONAL CITY National City, California Comprehensive Annual Financial Report For the Year Ended June 30, 2010 1243 National City Blvd. National City, California 91950 Phone: (619) 336-4241 Fax: (619) 336-4239 www.nationalcityca.gov Prepared by the Finance Department Jeanette Ladrido, CPA Finance Director (This page intentionally left blank) CITY OF NATIONAL CITY Comprehensive Annual Financial Report For the Year Ended June 30, 2010 TABLE OF CONTENTS INTRODUCTORY SECTION Page Letter of Transmittal Directory of City Officials vii CSMFO Award viii FINANCIAL SECTION Independent Auditors' Report 1 Management's Discussion and Analysis 3 Basic Financial Statements: Government -Wide Financial Statements: Statement of Net Assets 16 Statement of Activities 17 Fund Financial Statements: Governmental Fund Financial Statements: Balance Sheet 19 Reconciliation of the Governmental Funds Balance Sheet to the Government -Wide Statement of Net Assets 22 Statement of Revenues, Expenditures and Changes in Fund Balances 23 Reconciliation of the Governmental Funds Statement of Revenues, Expenditures and Changes in Fund Balances to the Government -Wide Statement of Activities 25 Proprietary Fund Financial Statements: Statement of Net Assets 26 Statement of Revenues, Expenses and Changes in Net Assets 27 Statement of Cash Flows 28 Fiduciary Fund Financial Statements: Statement of Fiduciary Net Assets 29 Statement of Changes in Fiduciary Net Assets 30 Notes to the Basic Financial Statements 32 CITY OF NATIONAL CITY Comprehensive Annual Financial Report For the Year Ended June 30, 2010 TABLE OF CONTENTS, (CONTINUED) FINANCIAL SECTION, (CONTINUED) Required Supplementary Information: Notes to Required Supplementary Information Budgetary Information Budgetary Comparison Schedule Budgetary Comparison Schedule Special Revenue Fund Budgetary Comparison Schedule Budgetary Comparison Schedule Budgetary Comparison Schedule Budgetary Comparison Schedule Program Fund - General Fund — Section 8 Housing Assistance — Other Special Revenue Fund - Nutrition Program Special Revenue Fund - Sewer Service Special Revenue Fund — Low and Moderate Income Housing Supplementary Information: Non -Major Governmental Funds: Combining Balance Sheet Combined Statement of Revenues, Expenditures and Changes in Fund Balances Schedule of Revenues, Expenditures and Changes in Fund Balances — Budget and Actual Internal Service Funds: Combining Statement of Net Assets Combining Statement of Revenues, Expenses and Changes in Net Assets Combining Statement of Cash Flows Page 73 74 75 76 77 78 79 83 87 90-107 109 111 113 Fiduciary Funds: Combining Statement of Changes in Assets and Liabilities - Agency Funds 116 CITY OF NATIONAL CITY Comprehensive Annual Financial Report For the Year Ended June 30, 2010 TABLE OF CONTENTS, (CONTINUED) Page STATISTICAL SECTION Net Assets by Component 119 Changes in Net Assets 121 Fund Balances of Governmental Funds 125 Changes in Fund Balances of Governmental Funds 127 Assessed Value of Taxable Property 129 Taxable Sales by Category 131 Direct & Overlapping Property Tax Rates 133 Principal Property Tax Payers 134 Property Tax Levies and Collections 135 Ratios of Outstanding Debt by Type 137 Direct and Overlapping Debt 140 Legal Debt Margin Information 141 Pledged Revenue Coverage 143 Demographic and Economic Statistics 145 Principal Employers 146 Full-time Equivalent City Government Employees by Function/Program 147 Operating Indicators by Function/Program 148 Capital Asset Statistics by Function 149 (This page intentionally left blank) INTRODUCTORY SECTION CALIFORNIA NATIONAL NAL r { - t `�` INCO Fr.P.Qia.ATI:1 December 23, 2010 To the Honorable Mayor, Members of the City Council And the Citizens of the City of National City: The Comprehensive Annual Financial Report of the City of National City for the fiscal year ended June 30, 2010 is hereby submitted in accordance with Title 2.16.100(N) of the National City Municipal Code and section 25253 of the Government Code of the State of California. State law requires that all general-purpose local governments publish within six months of the close of each fiscal year a complete set of financial statements presented in conformity with generally accepted accounting principles (GAAP) and audited in accordance with generally accepted auditing standards by a firm of licensed certified public accountants. The City is responsible for the accuracy, completeness, and fair presentation of this report. Under the direction of the City's Director of Finance our financial reports are prepared in accordance with Generally Accepted Accounting Principles (GAAP) as promulgated by the Governmental Accounting Standards Board (GASB). To the best of our knowledge and belief, the enclosed data are accurate in all material respects and are reported in a manner designed to present fairly the financial position and results of operations of the various Funds, account groups and component units of the City. It is believed that all disclosures necessary have been included in order to enable the reader to gain maximum understanding of the City's financial affairs as of June 30, 2010. As required by the City of National City Municipal Code, Title 2.16.100(N), the independent auditing firm Mayer Hoffman McCann, P.C. has reviewed the City's financial records and the internal control system. The goal of the independent audit was to provide reasonable assurance that the financial statements of the City of National City for the fiscal year ended June 30, 2010, are free of material misstatements. The audit firm of Mayer Hoffman McCann P.C., has issued an unqualified opinion on the City of National City's financial statements for the year ended June 30, 2010. The independent auditor's report is located at the front of the financial section of this report. The Report is organized into three major sections: Introductory Section: This section includes a table of contents, this transmittal letter and a City organizational chart. Financial Section: Statistical Section: This section includes the independent auditors' report, the management discussion and analysis report, the basic financial statements and the notes to these financial statements, followed by supplemental information. This section contains both financial and non -financial trend data about the City and its operations. In addition to meeting the requirements set forth in the City's Municipal Code, the City is required to have a Single Audit performed by our independent audit firm. The Single Audit was designed to meet the needs of federal grantor agencies. The standards governing Single Audit engagements require the independent auditor to report not only on the fair presentation of the financial statements, but also on the City's internal controls and compliance with legal requirements, with special emphasis on internal controls and compliance with legal requirements involving the administration of federal awards. These reports are available in the City of National City's separately issued Single Audit Report. Generally Accepted Accounting Principles requires that management provide a narrative introduction, overview and analysis to accompany the basic financial statements in the form of a Management Discussion and Analysis (MD&A). This transmittal letter is designed to complement the MD&A and should be read in conjunction with it. The City of National City's MD& A is located in the Financial Section, following the independent auditor's report. GOVERNMENT The City of National City is located on the bay in San Diego County, bordered by the City of San Diego to the north, and the port of San Diego to the west. The nearly built -out city is home to a fairly constant population of about 61,115 residents over 9.2 square miles. The City of National City was incorporated September 17, 1887. It is a general law city and operates under the council-manager form of government. The City Council has five members who are elected at large for a term of four years. The citizens of National City also elect the City Treasurer and the City Clerk. The City Council is responsible for setting policies, passing ordinances, adopting the budget, appointing committees and appointing the City Manager. The City Manager is responsible for carrying out policies and ordinances of the City Council, appointing City Department heads and overseeing the day-to-day operations of the City. The City Manager also serves as executive director and secretary of the Community Development Commission of the City of National City and may delegate that authority. REPORTING ENTITY This report includes all funds of the City, as well as all of its component units. Component units are legally separate entities for which the City is financially accountable. ii Blended component units, although legally separate entities, are, in substance, part of the City's operations and are included in this CAFR as part of the City. Accordingly, the City of National City Joint Powers Financing Authority, the National City Parking Authority and the Community Development Commission of the City of National City are reported as part of the City. Discretely presented component units are reported in a separate column in the combined financial statements to emphasize that they are legally separate from the City and to differentiate their financial position, results of operations and cash flows from those of the City. BOARDS AND COMMISSIONS The City Manager is committed to the support of government programs that can expand the City's ability to reach -out to the community. The National City Neighborhood Councils were implemented in 2005 and has greatly enhanced the citizen interaction with the City Services. The following boards and commissions are available for the citizens of National City to participate on as advisors to the Mayor and City Council: • Building and Advisory and Appeals Board - acts in matters related to the Building Code. • Civil Service Commission - recommends hears appeals of any person in the classified service relative to any suspension, demotion or dismissal. • Community and Police Relations Commission - a forum for citizens to voice their concerns about issues related to police -community relations. • Housing and Community Development Committee - members stay in touch with community attitudes, and identify the physical, social, and economic needs of National City. • Library Board of Trustees - acts in accordance with the Education Code; coordinates the activities of the City Library; advises the City Librarian on operational policies; approves warrants; and recommends to the City Council the adoption of rules and regulations. • Parks and Recreation Advisory Board - acts in matters of policy and administration of the city owned parks and the recreation programs operated in said parks. • Planning Commission - recommends the adoption, amendment, or repeal of a master plan or any part thereof for the physical development of the City. • Public Art Committee - advises the City Council on public art projects meant to increase the aesthetic value of parks, public buildings, and new development. The committee also promotes the City's substantial historical and cultural assets throughout the county. • Senior Citizens Advisory Board - acts in an advisory capacity in matters pertaining to seniors. • Street Tree and Parkway Committee - reviews and makes recommendations relative to the planting, removal, or transplanting of trees upon public property. • Traffic Safety Committee - reviews and makes recommendations concerning the safety of traffic. LOCAL ECONOMY The City of National City has an economic base composed of autos and transportation, general consumer goods, restaurants and hotels, fuel and service stations, business and industry, building and construction and food and drug stores. Due to the economic recession, the City's primary source of revenue, sales tax, has dropped from a high of over $16 million in 2004 to under $9 million in 2010. $20 $16 a 0 2 12 $8 $4 Sales Tax 2005 2006 2007 2008 2009 2010 Calendar Year Council and Administrative actions were taken to assist in balancing the budget, attain fiscal sustainability, and provide for efficient and transparent government. An employee -driven committee was established to brainstorm ideas to reduce internal costs. The Cost Reduction and Revenue Efficiency (C.A.R.E.) Committee publishes quarterly newsletters to encourage voluntary participation in such endeavors. The Purchasing Review and Personnel Review Committees were established to affirm fiscal responsibility in purchasing and hiring practices. In June 2006, National City voters approved Proposition D (District Tax), a 1 cent increase in local sales tax that will be effective until 2016. It has been projected that the district tax would generate $7-$9 million annually. The revenues from the district tax temporarily fix the fundamental problem of more money going out than coming in. It also challenges National City to become proactive in building stable and diverse revenue sources within the next five to ten years to achieve financial sustainability. The last major revenue generating developments, Plaza Bonita Mall and the Mile of Cars, occurred over 20 years ago. Efficiency, vision and innovation are necessary to reverse the current stagnation. LONG TERM FINANCIAL PLANNING The City is currently working on a comprehensive update of its general plan. The general plan serves as a blueprint for growth and the associated impacts. National City is rich in infrastructure and has the foundation to grow through infill opportunities and increased mobility. The smart growth goals and principals established in the general plan will be implemented through a series of neighborhood action plans. These action plans will utilize iv city resources and leverage them with grants and other funding sources to build healthier and safer neighborhoods. The City's capital resources are prioritized and distributed through a five year capital improvement program. (C.I.P) Developing the C.I.P. will be done concurrently with the development of the general plan. All capital projects must be found consistent with the general plan to ensure a commitment to the long range plans set forth by the community. BUDGETARY CONTROLS The City maintains budgetary controls at the individual fund level. The objective of these budgetary controls is to ensure compliance with legal provisions embodied in the annual appropriated budget approved by the City Council. The budget includes estimated revenues and appropriations for the City's funds categorized into six fund types including one general fund, special revenue funds, debt service funds, capital projects funds, enterprise funds and all internal service funds are included in the annual appropriated budgets of the City. Using the City's automated accounting system, each City department's expenditures are restricted to the amount of that department's budgeted appropriations for the year at the object level. No department is allowed to spend more than its available appropriations. Changes in appropriations in excess of a department's total appropriation or fund balance or unrealized revenues must be approved by the City Council as a transfer from contingency reserve, transfer from another department, or as an appropriation of unanticipated or over - realized revenue identified to a specific source. There is no "floor" in the level amount requiring approval. CASH MANAGEMENT POLICIES AND PRACTICES The investment operations of the City are under the direction of the City Finance Director. The City Treasurer and the Finance Director share investment policy review, operations and approval. On an annual basis, the City's investment policy is reviewed and approved by the City Council. The Finance Director and Financial Services Officer monitor cash balances daily and invest temporarily idle funds in accordance with the California Government Code and the City's Investment Policy. The City employs a pooled cash system for various City funds to maximize interest income. Investment earnings are distributed based on average cash balance. RISK MANAGEMENT The City is self -insured for its general liability exposures up to $250,000 per occurrence and for its Workers' Compensation up to $500,000 per claim. As a member of the San Diego Pooled Insurance Program Authority (SANDPIPA), the City is insured for general liability between $250,000 and $2 million. For general liability claims in excess of the pooled layer, the City purchases excess liability insurance through SANDPIPA with limits up to $37 million per occurrence. The City also obtains its first party, all-risk property insurance and crime bond/fidelity coverage through SANDPIPA. In addition, the City participates in the County V Supervisors' Association of California Excess Insurance Authority (CSAC-EIA) which enables it to purchase excess Workers' Compensation coverage for its large and catastrophic claims. ACKNOWLEDGMENTS The preparation of this Comprehensive Financial Report could not have been accomplished without the professional and dedicated service of the staff of the Finance department and the assistance of the City's auditors, Mayer Hoffman McCann, P.C. We sincerely thank you for a job well done. In addition, we acknowledge and appreciate the continued support of the Mayor and members of the City Council in the commitment to fiscal integrity and financial leadership. Sincerely, (11: 7511e2S Chris Zapata City Manager 46toelc,411141-0-- Jeanette Ladrido, CPA Director of Finance vi CALIFORNIA NATIONAL Cirrir -- Z�COR.pQa�.AT�p DIRECTORY OF CITY OFFICIALS City Council Ron Morrison Mayor Alejandra Sotelo-Solis Vice Mayor Jess Van Deventer Council Member Rosalie Zarate Council Member Vacant Council Member City Manager Chris Zapata City Treasurer Mitch Beauchamp City Clerk Michael R. Dalla Assistant City Manager Leslie Deese City Attorney George H. Eiser Community Development Commission Executive Director Brad Raulston Department Heads Minh Duong City Librarian Vacant Director of Community Development Brenda Hodges Director of Community Services Frank Parra Director of Emergency Services Maryam Babaki Director of Engineering Jeanette Ladrido, CPA Director of Finance Stacey Stevenson Director of Human Resources Joe Smith Director of Public Works Dr. Adolfo Gonzales Police Chief vii CALIFORNIA �• NATIONAL CITY `- 1ECOnp ORATED FINANCIAL AWARDS California Society of �bfunicipa( Finance Office Certificate of Award For Excellence in Operating Budgeting Fiscal Year 2009-2010 The: Culifnrniu. Society of Municipal Finance Officers (CsnfFO) proudly presents this certificate to City of National City For meeting the criteria estaWisked to achieve the EXCELLENCEA WARD Fa Ike OPERATING BUDGET CATEGORY. February 18, 2010 CiM EO Prssiacni Pemels nrtnde�K�eB f,1e�r dutlgel ng R linane�l Kxgnliwg The California Society of Municipal Finance Officers (CSMFO presented the City of National City the Certificate of Award for Outstanding Financial Reporting for the Fiscal Year ending June 30, 2009. The California Society of Municipal Finance Officers (CSMFO presented the City of National City the Certificate of Award for Excellence in Operating Budgeting for Fiscal Year 2009-10. Calfornia Society of 1vluniciparF'inance Officers Certificate of Award Outstanding Financial Reporting for the Fiscal Year ending June 30, 2009 Presented to the City of National City This earl cafe is issued is recognition ofnrctdagprofessional Vanderds and criteria in reporting which reflect a high level of ens* he the annuefuhancidl Miamians and In the ander-444 amwMhsg sperm foam which Ike reports were prepernd February 18, 2010 Rome Campbell, President Chu Therlr Chair RscvgnWWI Cwnnalm Dedicated Excellence in Municipal Financial ,Nanageneenl (This page intentionally left blank) FINANCIAL SECTION Mayer Hoffman McCann P.C. An Independent CPA Firm 2301 Dupont Drive, Suite 200 Irvine, California 92612 949-474-2020 ph 949-263-5520 fx www.mhm-pe.com To the Honorable Mayor and Members of the City Council of the City of National City, California INDEPENDENT AUDITORS' REPORT We have audited the accompanying financial statements of the governmental activities, the business -type activities, each major fund, and the aggregate remaining fund information of the City of National City, California (City), as of and for the year ended June 30, 2010, which collectively comprise the City's basic financial statements, as listed in the table of contents. These financial statements are the responsibility of the City's management. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with auditing standards generally accepted in the United States of America 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 opinion. In our opinion, the financial statements referred to above present fairly, in all material respects, the respective financial position of the governmental activities, the business -type activities, each major fund, and the aggregate remaining fund information of the City as of June 30, 2010, and the respective changes in financial position and cash flows, where applicable, thereof for the year then ended in conformity with accounting principles generally accepted in the United States of America. The information identified in the accompanying table of contents as management's discussion and analysis and required supplementary information are not a required part of the basic financial statements but are supplementary information required by accounting principles generally accepted in the United States of America. We have applied certain limited procedures, which consisted principally of inquiries of management regarding the methods of measurement and presentation of the supplementary information. However, we did not audit the information and express no opinion on it. 1 To the Honorable Mayor and Members of the City Council of the City of National City, California Page Two Our audit was conducted for the purpose of forming opinions on the financial statements that collectively comprise the City's basic financial statements. The introductory section, combining and individual nonmajor fund financial statements and schedules and statistical tables are presented for purposes of additional analysis and are not a required part of the basic financial statements. The combining and individual nonmajor fund financial statements and schedules have been subjected to the auditing procedures applied in the audit of the basic financial statements and, in our opinion, are fairly stated in all material respects in relation to the basic financial statements taken as a whole. The introductory section and statistical tables have not been subjected to the auditing procedures applied in the audit of the basic financial statements and, accordingly, we express no opinion on them. In accordance with Government Auditing Standards, we have also issued a report dated December 23, 2010 on our consideration of the City'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 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 considered in assessing the results of our audit. //% yz, 7/7 /47, C Irvine, California December 23, 2010 2 MANAGEMENT'S DISCUSSION AND ANALYSIS As management of the City of National City, we offer readers of the City's financial statements this narrative overview and analysis of the financial activities of the City of National City for the fiscal year ended June 30, 2010. We encourage readers to consider the information presented here in conjunction with additional information that has been furnished in the letter of transmittal, which can be found in the introductory section of this report. FINANCIAL HIGHLIGHTS • The City's assets exceeded its liabilities at the close of fiscal year 2010 by $169,455,369 (net assets). Of this amount, $7,832,285 (unrestricted net assets) is for unrestricted uses in accordance with finance -related legal requirements reflected in the City's fund structure. • The City's total net assets decreased by $3,358,962 or -1.9%. Net assets of governmental activities decreased by $2,575,545 and net assets of business type activities decreased by $7,83,417. • As of the close of fiscal year 2010, the City's governmental funds reported combined ending fund balances of $80,678,584, a decrease of $3,640,189 in comparison with the prior year. Total fund balance is broken -up as follows: BALANCE SHEET Governmental Funds Total Fund Balance $80,678,584 €: Reserves $29,138,132 (36%) Unreserved $51,540,452 (64%) Designated $36,133,099 (45%) I Undesignated $15,407,353 (19%) • At the end of the current fiscal year, the contingency reserve fund balance for the General Fund was 8,616,444 or 24% of general fund expenditures. The prior year balance was $7,200,000. • The City's total long-term debt had a net decrease of $687,626. In FY 09-10, the City entered into a lease agreement with Municipal Finance Corporation to fund a City wide energy retrofit program. The total capitalized lease obligation was $1,755,160. • National City residents approved an additional 1% district tax in 2005. It has been projected to generate additional revenue of $7 to $9 million Despite the nation-wide resection the City of National City was able to maintain fiscal sustainability during the fiscal year 2010 through the passing of Prop. D (Also called Prop. M on 2008 ballot), which implemented a 1% district tax rate. In fiscal year 2010, the district tax brought in $7.9 million. 3 MANAGEMENT'S DISCUSSION AND ANALYSIS OVERVIEW OF THE FINANCIAL STATEMENTS This discussion and analysis is intended to serve as an introduction to the City of National City's basic financial statements. The City of National City's basic financial statements are comprised of three components: 1) government -wide financial statements, 2) fund financial statements, and 3) notes to the basic financial statements. In addition to the basic financial statements, also provided is other supplementary information. (Refer to figure A-1) Government -Wide Financial Statements The government -wide financial statements are of the City of National City's finances, in a m The Statement of Net assets (the "Unrestricted Net Assets") is similar to a bottom line for the City and its governmental and business -type activities. This statement reports all of the governmental fund's current financial resources (short-term spendable resources) with capital assets and long-term obligations. Over time, increases or decreases in net assets may serve as a useful indicator of whether the financial position of the City of National City is improving or deteriorating. designed to provide readers with a broad overview anner similar to a private -sector business. The Statement of Activities presents information to show how the government's net assets changed during the most recent fiscal year. All changes in net assets are reported as soon as the underlying event giving rise to the change occurs, regardless of the timing of related cash flows. Thus, revenues and expenses are reported in this statement for some items that will only result Figure A-1 Required Components of City of National City's Annual Financial Report I • 9fanagements Discussion and Andysis Basic Financial Statements Required Supplementary Information ♦ ♦ • • • • 5- Government- wide Financial Statements Fund Financial Statements Notes to the PinanciaCStatements Summary ary in cash flows in future fiscal periods (e.g., uncollected taxes and earned but unused vacation leave and sick leave). Detail Both of the government -wide financial statements distinguish services of the City of National City that are principally supported by taxes and intergovernmental revenues (governmental activities) from other functions that are intended to recover all or a significant portion of their costs through user fees and charges (business -type activities). The governmental activities of the City of National City include general government, public safety, transportation, health, culture 4 MANAGEMENT'S DISCUSSION AND ANALYSIS and leisure, and community development. The business -type activities of the City of National City include the community development commission. The basic government -wide financial statements can be found in the accompanying comprehensive financial report. Fund Financial Statements A fund is a grouping of related accounts used to maintain control over resources that have been segregated for specific activities or objectives. The City of National City uses fund accounting to ensure and demonstrate compliance with finance -related legal requirements. All of the funds used by the City of National City can be divided into three categories: governmental funds, proprietary funds, and fiduciary funds. Governmental Funds are used to account for essentially the same functions reported as governmental activities in the government -wide financial statements. Governmental fund financial statements focus on near term inflows and outflows of spendable resources, as well as on the balances left at year end that are available for spending. Consequently, the governmental fund financial statements provide a detailed short-term view that helps the reader determine whether there are more or fewer financial resources that can be spent in the near future to finance the City's programs. Because this information does not encompass the long-term focus of the government -wide statement, additional information is provided that reconciles the governmental fund financial statements to the government -wide statements explaining the relationship (or differences) between them. The City maintains 149 individual governmental funds, which includes 7 funds maintained by the Community Development Commission. Information is presented separately in the government fund balance sheet and in the governmental fund statement of revenues' expenditures and changes in fund balance for the General Fund, Human Services Special Revenue Funds, Capital Project Funds, each of which are considered to be major funds. Data from the remaining not mentioned funds are combined into a single aggregate presentation. Individual fund data for these major governmental funds is provided in the form of combining statements elsewhere in this report. The City adopts an annual appropriated budget for its Funds. A budgetary comparison statement has been provided to demonstrate compliance with this budget. Except for the Community Development Commission funds, the City maintains an automated budgetary accounting system to restrict expenditures to established appropriations and to recognize yearend commitments (encumbrances) in the financial statements. Proprietary Funds. The City of National City maintains two different types of proprietary funds: enterprise funds and internal service funds. Enterprise funds are used to report the same functions presented as business -type activities in the government -wide financial statements. The City uses enterprise funds to account for the Kimball Towers and Morgan Towers. Internal Service Fund is an accounting device used to accumulate and allocate costs internally among the 5 MANAGEMENT'S DISCUSSION AND ANALYSIS City's various functions. The City uses internal service funds to account for its vehicle operations, workers compensation insurance, general liability insurance, separation benefits, accounting services and technology development. The internal service funds predominantly benefit governmental rather than business -type functions; therefore they have been included within governmental activities in the government -wide financial statements. Proprietary funds provide the same type of information as the government -wide financial statements, only in more detail. The proprietary fund financial statements provide separate information for the Kimball Towers and Morgan Towers, each of which are considered to be major funds of the City of National City. Date for the additional enterprise funds and all of the internal service funds are combined into their respective single aggregated presentations. Individual fund data for the non -major enterprise funds and all internal service funds is provided in the form of combining statements elsewhere in this report. Fiduciary Funds. The City uses fiduciary funds to account for assets held on behalf of outside parties. The City of National City's fiduciary funds reflect activity related to retiree medical and dental insurance premiums and refundable customer deposits for performance. Fiduciary funds are not reflected in the government -wide financial statement because the resources of those funds are not available to support the City's own programs. The accounting used for fiduciary funds is much like that used for proprietary funds. Notes to the Basic Financial Statements The notes to the basic financial statements provide additional information that is essential to a full understanding of the data provided in the government -wide and fund financial statements. The notes to the basic financial statements can be found in the financial section of this report. Other Information In addition to the basic financial statements and accompanying notes, this report also presents certain required supplementary information concerning the City of National City's progress in funding its obligation to provide pension benefits to its employees. Required supplementary information can be found in the financial section of this report. The combining statements referred to earlier in connection with non -major governmental funds and internal service funds are presented immediately following the required supplementary information. 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 City of National City, assets exceeded liabilities by $162,838,989 at the close of the most recent fiscal year. 6 MANAGEMENT'S DISCUSSION AND ANALYSIS A portion of the City's net assets $7,832,285 (5%) is unrestricted and may be used to meet the City's ongoing financial obligations. These are net assets that are not restricted by external requirements nor invested in capital. Of the City's $169,455,369 in net assets, $104,489,076 (62%) reflects investment in capital assets (e.g., land, buildings, machinery, and equipment). The City of National City uses these capital assets to provide services to citizens; consequently, these assets are not available for future spending. Although the City of National City'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. Net assets of the City also include $57,134,008 of restricted net assets. These are assets representing resources subject to external restriction as to how they may be used by the City. The following reflects the City of National City's net assets: Summary of Net Assets ($ thousands) 2010 2009 2010 2009 2010 2009 Current and other assets Capital assets Total assets Long-term liabilities outstanding Other liabilities Total liabilities Net assets: Invested in capital assets, net of related debt Restricted Unrestricted Total net assets $ 111,785,361 $ 104,686,916 $ 1,960,276 $ 2,397,137 $ 113,745,637 $ 107,084,053 120,874,728 121,154,824 7,629,909 8,027,839 128,504,637 129,182,663 232,660,089 225,841,740 9,590,185 10,424,976 242,250,274 236,266,716 63,348,301 63,854,003 2,917,546 2,673,586 66,265,847 66,527,589 6,529,058 6,604,804 435,884 295,334 6,964,942 6,900,138 69,877,359 70,458,807 3,353,430 2,968,920 73,230,789 73,427,727 99,340,829 98,809,386 55,609,616 48,092,405 7,832,285 8,481,142 $ 162,782,730 $ 155,382,933 5,148,247 5,354,253 104,489,076 104,163,639 1,524,392 2,101,803 57,134,008 50,194,208 - - 7,832,285 8,481,142 6,672,639 7,456,056 $ 169,455,369 $ 162,838,989 As in the prior fiscal year, the City of National City reported positive balances in all three categories of net assets for the government as a whole and the separate governmental and business -type activities. 7 MANAGEMENT'S DISCUSSION AND ANALYSIS The following reflects the City of National City's Changes in Net Assets: Activities Activities 2010 2009 2010 2009 Government 2010 2009 Revenues: Program revenues: Charges for services Operating grants and contributions Capital grants and contributions General Revenue: Property tax Sales and Use tax Franchise tax Other taxes Investment earnings Other miscellaneous revenues Rent Transfers Total Revenues Expenses: General government Public safety Transportation Community development Health Culture and leisure Interest and fiscal charges TDA Community Development Commission Total Expenses $ 14,256,336 $ 12,558,790 $ 2,063,715 $ 2,041,477 $ 16,320,051 $ 14,600,267 21,051,606 20,674,207 - 21,051,606 20,674,207 9,983,799 15,827,505 - 9,983,799 15,827,505 18,872,987 20,700,283 18,872,987 20,700,283 1,941,081 1,737,134 - 1,941,081 1,737,134 5,907,602 6,000,666 - 5,907,602 6,000,666 572,489 1,425,385 6,943 23,995 579,432 1,449,380 461,101 270,269 461,101 270,269 763,157 733,454 - 763,157 733,454 73,810,158 79,927,693 2,070,658 2,065,472 75,880,816 81,993,165 6,774,769 32,426,770 2,966,635 17,679,675 7,775,510 6,238,223 2,524,121 5,224,693 29,670,520 7,735,716 17,049,437 5,963,766 6,928,456 2,525,568 6,774,769 5,224,693 32,426,770 29,670,520 2,966,635 7,735,716 17,679,675 17,049,437 7,775,510 5,963,766 6,238,223 6,928,456 2,524,121 2,525,568 2,854,075 2,191,014 2,854,075 2,191,014 76,385,703 75,098,156 2,854,075 2,191,014 79,239,778 77,289,170 Increase (decrease) in net assets before transfers (2,575,545) 4,829,537 (783,417) (125,542) (3,358,962) 4,703,995 Transfers - - - - Increase (decrease) in net assets (2,575,545) 4,829,537 (783,417) (125,542) (3,358,962) 4,703,995 Net assets - Beginning of Year (note 11) 165,358,275 150,553,396 7,456,056 7,581,598 172,814,331 158,134,994 Net assets - End of Year $ 162,782,730 $ 155,382,933 $ 6,672,639 $ 7,456,056 $ 169,455,369 $ 162,838,989 Governmental Activities Governmental activities decreased the City of National City's net assets by $2,575,545 causing a 1.5 percent decrease in the primary government's net assets. Key elements of this increase are as follows: • Total governmental revenue decreased by $6.1 million or 7.6 percent from fiscal year 2009. This change was a primarily attributable to decreases in property tax revenue ($5.8 million) and sales tax ($1.8 million). 8 MANAGEMENT'S DISCUSSION AND ANALYSIS Program Expenses -Governmental Activities Interest and fiscal Culture and leisure charges 8% 3% Health 10% Community Development 23% Transportation 4% General Government 9% Public Safety 43% Expenses and Program Revenues- Governmental Activities $30,000,000 $25,000,000 $20,000,000 $15,000,000 $10,000,000 $5,000,000 $- 67. �o S06 S� 0,-, s. a'' C Sw C� ) ti4�i Intergovernmental revenues are grants and other revenues received from the state and federal government. Licenses and permits include amounts collected from the issuance of licenses and permits required by the City of National City for various purposes. Revenues from fees collected by the City for a variety of services provided to the public are recorded as charges for services. Investment income reflects revenue from investment activity. Other revenue includes rent proceeds from the leasing of various government buildings. 9 MANAGEMENT'S DISCUSSION AND ANALYSIS Revenue By Source - Governmental Activities Operating Grants Property Taxes 28% __ 14% Motor Vehicle 6% Charges for Services 19% Other 4% Sales and Use Taxes 26% Franchise Taxes 3% Business -type Activities The City's only current business type activity is the community development commission. Revenue By Source - Business -Type Activities Investment Earnings 0.3% 10 Charges for Services 99.7% MANAGEMENT'S DISCUSSION AND ANALYSIS FINANCIAL ANALYSIS OF THE GOVERNMENT'S FUNDS As noted earlier, the City of National City uses fund accounting to ensure and demonstrate compliance with finance -related legal requirements. Governmental Funds The focus of the City's governmental funds is to provide information on current year revenue, expenditures, and balances of spendable resources. Such information is useful in assessing the City of National City's financing requirements. In particular, unreserved fund balance may serve as a useful measure of a government's net resources available for spending at the end of the fiscal year. Governmental Funds report the difference between their assets and liabilities as fund balance, which is divided into reserved and unreserved portions. The function of reserved fund balance is simply to isolate the portion of fund balance that is unavailable for the following period's budget. The unreserved fund balance can serve as a measure of current available financial resources. City Council may commit a portion of the unreserved fund balance by designation of fund balance to an intended future use. As of the fiscal year ended June 30, 2010, the City of National City's governmental funds reported combined ending fund balances of $80,678,584, a decrease of $3,640,189 in comparison with the prior year. Approximately 64 percent of the total fund balance amount, or $51,540,452, constitutes unreserved fund balance, $36,133,099 of this has been designated for specific purposes by City Council. The remainder of fund balance is reserved to indicate that it is not available for new spending because it has already been committed 1) to liquidate contracts and purchase orders of the prior period ($1,085,633), 2) to pay debt service ($7,534,181), for land held for resale ($10,267,509), 4) for long term loans receivable ($8,187,427) and 5) for advances from other funds ($2,063,382). The General Fund is the chief operating fund of the City. For the fiscal year ended June 30, 2010, unreserved fund balance of the General Fund was $10,699,617 while total fund balance was $11,826,025. As a measure of the General Fund's liquidity, it may be useful to compare both unreserved fund balance and total fund balance to total fund expenditures. Unreserved fund balance represents 29 percent of total General Fund expenditures compared to 47 percent in the prior year. Total fund balance represents 32 percent of the General Fund expenditures while the prior year was at 50 percent. The total fund balance of the City's General Fund decreased by $6,614,663 or 56 percent, during the fiscal year ended June 30, 2010. Key factors in this increase are as follows: • Overall revenues decreased by $3.6 million or 10 percent from the prior year. This decrease is mainly attributed to lower than anticipated property tax and sales tax. Automobile sales and building material sales decreased from the prior year. 11 -- CALIFOR I . NATIONAL CITY i j I JNCORPORAS69 MANAGEMENT'S DISCUSSION AND ANALYSIS • Interest and Rent Revenue decreased $1,056,699. This decrease is mainly attributed to the decrease in interest revenue. Over 65% of the City's cash flow is invested in the State of California's Local Agency Investment Fund (LAIF). Over the past year, LAIF's annual yield in FY 08-09 was 2.224% and in FY 09-10 was .651%. The Sewer Service Fund has an ending fund balance of $16,073,658, of which $87,809 is reserved for encumbrances and $1,500,000 was advanced to another fund. The unreserved, designated fund balance consists of the following 1) $5,406,132 in continuing appropriations, 2) $3,184,801 for rate stabilization, 3) $338,946 in contingency reserves and 4) $2,727,746 for the State Water Resource Control Board requirements. The Community Development Commission Debt Service Fund has a total fund balance of $4,771,650. For the year ended June 30, 2010 $826,093 was transferred in from other governmental funds to provide funding to cover debt service payments made during the fiscal year that related to low and moderate development. The net change in fund balance during the current year in the debt service fund is 616,836 or 13 percent increase from the prior year fund balance of $4,154,814. Proprietary Funds The City of National City's proprietary funds provide the same type of information found in the government -wide financial statements, but in more detail. Total net assets for the Kimball Towers, and Morgan Towers Funds amounted to $6,366,288 and $1,089,768; respectively. The total net income (loss) for each fund before transfers was ($126,614) and $1,072; respectively. Kimball Towers and Morgan Towers Funds account for activities relating to the operations of Kimball and Morgan Towers, which provide housing to low and moderate income seniors. For the year ended June 30, 2010 total operating revenue for Kimball Towers and Morgan Towers amounted to $887,828 and $1,175,887; respectively. Kimball Towers operating expenses increased by $361,104 or 26 percent from the prior year, while Morgan Towers operating expenses increased by $301,154 or 24 percent from the prior year. Other factors concerning the finances of these funds have already been addressed in the discussion of the City of National City's business -type activities. GENERAL FUND BUDGETARY HIGHLIGHTS Differences between the General Fund original budget and the final amended budget include significant changes in the revenue and expenditure amounts. 12 --y CA LIIF7OgRMIA i j 1 4NCORPOPAS69 MANAGEMENT'S DISCUSSION AND ANALYSIS Original revenue estimates for the fiscal year 2009-10 were based on a predicted economical recession. Actual total General Fund revenues were less than the final budgets estimated amount by $972,745. The variance between actual and estimated revenue is mainly attributed to actual revenue produced by taxes. The district tax (Proposition D) continues to meet the projections of $7-$9 million in revenue however; sales tax has decreased significantly due to the slowing economy. The General Fund actual total expenditures did not exceed final budgeted appropriations. The variance between actual total expenditures and the final appropriation was $2.2 million or 6 percent. Negative variances occurred in the debt service in principal expenditures by 36,802. Ending Fund Balance exceeded the final budget estimated ending fund balance by $3,343,387 or 28.2 percent. General Fund actual end of year fund balance was $ 11,826,025. CAPITAL ASSETS AND DEBT ADMINISTRATION Capital Assets The City's capital assets for its governmental and business type activities as of June 30, 2010, amounted to $120,874,728 (net of accumulated depreciation). This investment in capital assets includes land, buildings and improvements, machinery and equipment and infrastructure (including streets, alleys, traffic signals and signs and bridges) of governmental activities. Infrastructure type assets of business -type activities are reported as buildings and improvements. The City's capital assets by activity at June 30, 2010 were as follows: Governmental Business -type Total Primary Activities Activities Government 2010 2009 2010 2009 2010 2009 Land $ 20,025,598 $ 20,025,598 $ 528,382 $ 528,382 $ 20,553,980 $ 20,553,980 Right of way 4,245,088 4,245,088 4,245,088 4,245,088 Construction in progress 5,078,125 3,106,170 5,078,125 3,106,170 Buildings and improvements 44,343,967 44,343,967 15,684,584 15,654,166 60,028,551 59,998,133 Machinery and equipment 14,070,632 12,838,883 462,153 462,153 14,532,785 13,301,036 Infrastructure 111,876,502 110,333,302 - - 111,876,502 110,333,302 Less accumulated depreciation 78,765,184 73,738,184 9,045,210 8,616,862 87,810,394 82,355,046 Total $ 120,874,728 $ 121,154,824 $ 7,629,909 $ 8,027,839 $ 128,504,637 $ 129,182,663 Major capital asset activity during the year ended June 30, 2010 includes the following: • Various street resurfacing projects • Marina Gateway construction • Safe Routes to School projects 13 MANAGEMENT'S DISCUSSION AND ANALYSIS Additional information on the City's capital assets can be found in the financial section of this report (Note 5). Long -Term Debt At year-end the City had a total long-term debt of $63,836,005, a decrease of $2,665,996 from the prior year. These include $3,605,000 of Lease revenue refunding bonds issued by National City Joint Powers Financing Authority (NCJPFA) and $39,680,000 of tax allocation bonds applicable to Community Development Commission. The City of National City's general obligation bond is rated A- by Fitch and Standard & Poor's rating agencies. Governmental Business -type Total Primary Activities Activities Government 2010 2009 2010 2009 2010 2009 NCJPFA: Lease Revenue Refunding Bonds Community Development Commision: 1999 Tax Allocation Bonds 2004 Tax Allocation Bonds 2005 Series A and B Tax Allocation Bonds General Obligation Bonds HUD 108 Bond 2003 A Total Bonds Claims Payable Compensated Absences Other postemployment Benefits Capitalized Lease Obligations Notes Payable Total $ 2,935,000 $ 3,605,000 $ 3,965,000 4,210,000 4,345,000 4,885,000 26,620,000 5,120,000 5,505,000 4,286,256 1,053,748 53,795 2,423,051 30,585,000 5,440,000 5,975,000 4,825,000 3,176,653 34,624 1,099,728 $ $ 2,935,000 $ 3,605,000 3,965,000 4,210,000 4,345,000 4,885,000 26,620,000 5,120,000 5,505,000 4,286,256 1,053,748 53,795 - 2,423,051 2,276,886 2,673,586 2,276,886 30,585,000 5,440,000 5,975,000 4,825,000 3,176,653 34,624 1,099,728 2,673,586 $ 56,306,850 $ 63,836,005 $ 2,276,886 $ 2,673,586 $ 58,583,736 $ 66,509,591 Additional information on the City of National City's long-term debt can be in the financial section of this report (Note 7). REQUEST FOR INFORMATION This financial report is designed to provide a general overview of the City of National City's finances for all those with an interest in the government's finances. Questions concerning any of the information provided in this report or requests for additional financial information should be addressed to the Director of Finance, 1243 National City Boulevard, National City, California, 91950-4397. 14 Basic Financial Statements 15 CITY OF NATIONAL CITY Statement of Net Assets June 30, 2010 Governmental Business -Type Activities Activities Total Assets Current assets: Cash and investments (note 2) $ 70,996,470 84,989 71,081,459 Accounts receivable 3,914,955 490 3,915,445 Property tax receivable 256,947 256,947 Interest receivable 127,976 127,976 Due from other governmental entities 5,073,009 5,073,009 Total current assets 80,369,357 85,479 80,454,836 Noncurrent assets: Restricted assets: Restricted cash and investments with fiscal agents (note 2) 5,055,261 1,717,538 6,772,799 Inventories 14,649 14,649 Prepaid items and deposits - 157,259 157,259 Land held for resale 10,267,509 10,267,509 Contracts, notes and loans receivable (note 4) 16,076,692 16,076,692 Subtotal 31,414,111 1,874,797 33,288,908 Capital assets (note 5): Non -depreciable 29,348,811 528,382 29,877,193 Depreciable, net 91,525,917 7,101,527 98,627,444 Total capital assets 120,874,728 7,629,909 128,504,637 Total noncurrent assets 152,288,839 9,504,706 161,793,545 Total assets 232,658,196 9,590,185 242,248,381 Liabilities Current liabilities: Accounts payable and accrued liabilities Interest payable Salaries payable Deposits payable Total current liabilities Long-term liabilities (note 7): Due within one year Due beyond one year Total noncurrent liabilities Total liabilities 4,581,120 298,727 1,369,408 279,803 6,529,058 7,041,451 56,306,850 63,348,301 69,877,359 322,295 4,903,415 298,727 24,714 1,394,122 88,875 368,678 435,884 6,964,942 204,776 7,246,227 2,276,886 58,583,736 2,481,662 65,829,963 2,917,546 72,794,905 Net Assets Invested in capital assets, net of related debt 99,340,829 5,148,247 104,489,076 Restricted for: Community development 43,423,854 43,423,854 Public Safety 4,018,272 4,018,272 Transportation 1,694,415 1,694,415 Culture and leisure 5,394,040 5,394,040 Housing 1,079,035 1,524,392 2,603,427 Unrestricted Total restricted 55,609,616 1,524,392 57,134,008 7,832,285 7,832,285 Total net assets $ 162,782,730 6,672,639 169,455,369 See accompanying notes to the basic financial statements. 16 CITY OF NATIONAL CITY Statement of Activities For the Year Ended June 30, 2010 Expenses Program Revenues Operating Capital Total Charges for Grants and Grants and Program Services Contributions Contributions Revenue Primary Government: Governmental activities: General government $ 6,774,769 3,624,978 54,383 - 3,679,361 Public safety 32,426,770 1,976,414 3,410,980 - 5,387,394 Transportation 2,966,635 2,967,617 - 2,967,617 Community development 17,679,675 625,194 12,757,100 - 13,382,294 Health 7,775,510 7,258,317 563,807 - 7,822,124 Culture and leisure 6,238,223 771,433 1,297,719 - 2,069,152 Interest and fiscal charges 2,524,121 - - Total governmental activities Business -type activities: Community development commission Total business -type activities Total primary government 76,385,703 14,256,336 21,051,606 - 35,307,942 2,854,075 2,063,715 - - 2,063,715 2,854,075 $ 79,239,778 2,063,715 - - 2,063,715 16,320,051 21,051,606 - 37,371,657 General revenue and transfers: Taxes: Property taxes, net Sales taxes Franchise taxes Motor vehicle in -lieu, unrestricted Transient occupancy taxes Total taxes Investment earnings Other miscellaneous revenues Rent Total general revenues Change in net assets Net assets at beginning of year, as restated (note 12) Net assets - end of year See accompanying notes to the basic financial statements. 17 Net (Expense) Revenue and Changes in Net Assets Governmental Business -Type Activities Activities Total (3,095,408) - (3,095,408) (27,039,376) - (27,039,376) 982 - 982 (4,297,381) - (4,297,381) 46,614 - 46,614 (4,169,071) - (4,169,071) (2,524,121) - (2,524,121) (41,077,761) - (41,077,761) - (790,360) (790,360) - (790,360) (790,360) (41,077,761) (790,360) (41,868,121) 9,983,799 - 9,983,799 18,872,987 - 18,872,987 1,941,081 - 1,941,081 5,181,701 - 5,181,701 725,901 - 725,901 36,705,469 - 36,705,469 572,489 6,943 579,432 461,101 - 461,101 763,157 - 763,157 38,502,216 6,943 38,509,159 (2,575,545) (783,417) (3,358,962) 165,358,275 7,456,056 172,814,331 $ 162,782,730 6,672,639 169,455,369 18 CITY OF NATIONAL CITY Balance Sheet Governmental Funds June 30, 2010 Special Revenue Funds Section 8 Other General Housing Special Nutrition Fund Assistance Revenue Program ASSETS Cash and investments (note 2) $ 9,024,317 1,142,448 9,307,407 32,077 Restricted cash and investments with fiscal agents (note 2) - - - - Accounts receivable 731,539 45,616 24,930 112,163 Property tax receivable - - - Interest receivable 64,196 3,463 Due from other funds (note 3) 1,636,843 106 - - Due from other governmental entities 2,919,636 1,123,885 Land held for resale - - - Contracts, notes and loans receivable (note 4) - - - Advances to other funds (note 3) - 563,382 - Total assets $ 14,376,531 1,188,170 11,023,067 144,240 LIABILITIES AND FUND BALANCES Liabilities: Accounts payable and accrued liabilities $ 849,314 71,636 334,809 7,792 Salaries payable 975,789 21,615 135,271 52,531 Due to other funds (note 3) - 15,884 938,116 - Deposits payable 150,120 104,683 Deferred revenue 13,794 29,251 Advances from other funds (note 3) 563,382 - Total liabilities 2,552,399 109,135 1,542,130 60,323 Fund balances (deficit): Reserved: Encumbrances 197,797 9,600 338 Advances from other funds - 563,382 - Land held for resale - - - Long-term loans receivable - - - Debt service 928,611 Total reserved 1,126,408 572,982 338 Unreserved, designated: Continuing appropriations 767,234 6,825,857 Employee accrued benefits 1,256,040 Other 59,899 Rate stabilization - Continuing CIPs - - - Contingencies 8,616,444 Total unreserved, designated 10,699,617 6,825,857 Unreserved, undesignated General fund - - - Special revenue funds - 1,079,035 2,082,098 83,579 Capital projects funds - - - - Total unreserved, undesignated - 1,079,035 2,082,098 83,579 Total fund balances 11,826,025 1,079,035 9,480,937 83,917 Total liabilities and fund balances $ 14,378,424 1,188,170 11,023,067 144,240 See accompanying notes to the basic financial statements. 19 Debt Capital Special Revenue Funds Service Project Low and Community Funds Other Total Sewer Moderate Income Development Redevelopment Governmental Governmental Service Housing Program Commission Fund Funds Funds 14,491,934 7,598,805 3,635,561 1,697,859 9,909,699 56,840,107 - - 2,677,291 35,619 1,094,028 3,806,938 54,357 - - 2,571,068 301,000 3,840,673 - 49,691 198,766 8,167 323 256,947 26,107 12,544 6,117 2,869 12,680 127,976 - - - 15,884 124,561 1,777,394 53,156 - - 2,796 973,536 5,073,009 - 360,000 - 9,032,509 875,000 10,267,509 - 12,757,954 - 298,287 3,020,451 16,076,692 1,500,000 - - - - 2,063,382 16,125,554 20,778,994 6,517,735 13,665,058 16,311,278 100,130,627 35,293 12,346 1,746,085 553,494 558,957 4,169,726 16,603 2,790 - 52,361 60,592 1,317,552 - - - 106 823,288 1,777,394 - - - 25,000 - 279,803 - 7,889,265 - 62,500 1,851,269 9,846,079 - - - 739,966 760,034 2,063,382 51,896 7,904,401 1,746,085 87,809 802 - 1,500,000 - - - 360,000 - - 4,868,689 - - - 4,771,650 1,587,809 5,229,491 5,406,132 2,727,746 3,184, 801 338,946 149,763 1,433,427 4,054,140 19,453,936 650,129 139,158 1,085,633 - - 2,063,382 9,032,509 875,000 10,267,509 298,287 3,020,451 8,187,427 - 1,833,920 7,534,181 4,771,650 9,980,925 5,868,529 29,138,132 615,738 5,684,499 19,449,223 - - 1,256,040 - - 2,787,645 - - 3,184,801 500,000 - 9,455,390 11,657,625 149,763 - 1,115,738 2,828,224 7,495,339 5,684,499 36,133,099 - 2,083,263 15,651,538 1,134,968 (1,379,153) (244,185) 2,828,224 7,495,339 - 1,134,968 16,073,658 12,874,593 16,125,554 20,778,994 4,771,650 12,231,631 6,517,735 13,665,058 704,110 15,407,353 12,257,138 80,678,584 16,311,278 100,132,520 20 (This page intentionally left blank) 21 CITY OF NATIONAL CITY Reconciliation of the Governmental Funds Balance Sheet to the Government -Wide Statement of Net Assets June 30, 2010 Fund balances of governmental funds $ 80,678,584 Amounts reported for governmental activities in the statement of net assets are different because: Capital assets used in governmental activities were not current financial resources. Therefore, they were not reported in the governmental funds balance sheet. Excluding the internal service funds capital assets which are reported below, capital assets were adjusted as follows: - Capital assets - Accumulated depreciation Interest payable on long-term debt did not require current financial resources. Therefore, interest payable was not reported as a liability in the governmental funds balance sheet. Certain revenues were not available to pay for current -period expenditures and, therefore, were deferred in funds. Internal service funds were used by management to charge the costs of certain activities, such as insurance, to individual funds. The assets and liabilities of the internal service funds were included in governmental activities in the government -wide statement of net assets. Long-term liabilities were not due and payable in the current period. Therefore, they were not reported in the governmental funds balance sheet. This amount excludes long-term liabilities reported in Internal Service funds. 192,379,031 (73,361,538) (298,727) 9,816,079 9,099,883 (55,530,582) Net assets of governmental activities $ 162,782,730 See accompanying notes to the basic financial statements. 22 Revenues: Taxes Licenses and permits Fines and forfeitures Interest and rents Intergovernmental Charges for services Other revenues CITY OF NATIONAL CITY Statement of Revenues, Expenditures and Changes in Fund Balances Governmental Funds For the Year Ended June 30, 2010 General Fund $ 29,007,351 551,517 1,219,418 432,226 571,308 482,975 593,968 Special Revenue Funds Section 8 Housing Assistance 9,704,442 75 Total revenues 32,858,763 9,704,517 Expenditures: Current: General government Public safety Transportation Community development Health Culture and leisure Capital outlay Debt service: Principal Interest and fiscal charges Total expenditures Excess (deficiency) of revenues over (under) expenditures Other financing sources (uses): Transfers in (note 3) Transfers out (note 3) Total other financing sources (uses) Net change in fund balances Fund balances (deficit), beginning of year, as restated (note 12) Fund balances, end of year 4,578,197 28,402,451 1,777,073 1,828,785 301,404 261,174 23,962 9,418,147 37,173,046 9,418,147 (4,314,283) 286,370 3,047,887 608,152 (5,348,267) (2,300,380) 608,152 (6,614,663) 894,522 18,440,688 184,513 $ 11,826,025 1,079,035 See accompanying notes to the basic financial statements. Other Special Revenue 4,200 92,560 28,087 5,946,896 1,439,267 602,980 8,113,990 1,853,392 2,274,135 216,964 128,004 1,645,287 15,838 6,133,620 Nutrition Program 338,373 206,036 544,409 791,032 791,032 1,980,370 (246,623) 2,047,464 1,716,103 (1,117,756) 929,708 1,716,103 2,910,078 1,469,480 6,570,859 (1,385,563) 9,480,937 83,917 23 Debt Capital Special Revenue Funds Service Project Low and Community Funds Other Total Sewer Moderate Income Development Redevelopment Governmental Governmental Service Housing Program Commission Fund Funds Funds 196,696 7,120,640 1,265,131 2,796,072 11,184,289 1,448,099 44,435,811 - - - 555,717 - - 142,350 1,454,328 264,663 33,746 102,104 357,225 1,414,747 - - 160,066 5,479,484 22,200,569 - - 21,316 9,064,198 - - 368,251 428,855 3,465,296 8,582,467 3,060,735 7,633,903 670,912 7,633,903 670,912 948,564 2,389,823 927,881 (1,434,245) (506,364) 948,564 1,883,459 15,125,094 10,991,134 16,073,658 11,218,035 630,421 7,406,010 2,225,000 1,796,282 7,877,329 82,590,666 85,479 6,517,068 38,887 30,715,473 341,252 2,118,325 2,745,974 591,043 21,840,082 7,761,907 2,686,543 6,160,615 2,034,918 3,149,728 5,501,888 11,427,292 4,780,892 (209,257) (4,150,471) 826,093 (666,667) 826,093 (666,667) 705,000 3,191,174 714,869 2,535,113 8,312,801 86,341,645 (435,472) (3,750,979) 1,446,996 10,620,576 (2,350,501) (10,917,436) (903,505) (296,860) 616,836 (4,817,138) (1,338,977) (4,047,839) 4,154,814 12,874,593 4,771,650 17,048,769 13,596,115 84,726,423 12,231,631 12,257,138 80,678,584 24 CITY OF NATIONAL CITY Reconciliation of the Governmental Funds Statement of Revenues, Expenditures, and Changes in Fund Balances to the Governmental -Wide Statement of Activities For the Year Ended June 30, 2010 Changes in fund balances of governmental funds Amounts reported for governmental activities in the statement of activities are different because: $ (4,047,839) Governmental funds report capital outlay as expenditures. However, in the government -wide statement of activities, the cost of those assets are allocated over their estimated useful lives as depreciation expense. This is the amount by which depreciation expense exceeded capital outlays in the current year, net of disposals. (649,046) Repayment of bond principal and capitalized lease obligations are expenditures in governmental funds, but the repayments reduces long-term liabilities in the government -wide statement of net assets. 3,191,174 Interest expense on long-term debt was reported in the government -wide statement of activities but they did not require the use of current financial resources. Therefore, interest expense was not reported as expenditures in governmental funds. The following amount represents the change in accrued interest. 10,992 To record as an expense the net change in compensated absences in the statement of activities. 142,897 To record as an expense the net change in other post employment benefits liability in the statement of activities. (19,173) Revenues in the government -wide statement of activities that did not provide current financial resources were not reported as revenues in the governmental funds. (1,065,188) Internal service funds were used by management to charge the costs of certain activities, such as insurance and fleet management, to individual funds. The net revenue (expense) of the internal service funds are reported with governmental activities. (139,362) Change in net assets of governmental activities $ (2,575,545) See accompanying notes to the basic financial statements. 25 CITY OF NATIONAL CITY Statement of Net Assets Proprietary Funds June 30, 2010 Governmental Enterprise Funds Activities - Kimball Morgan Internal Towers Towers Total Service Funds ASSETS Current assets: Cash and investments (note 2) $ 75,886 9,103 84,989 14,156,363 Restricted cash and investments with fiscal agents (note 2) 1,044,470 673,068 1,717,538 1,248,323 Accounts receivable 490 - 490 74,282 Inventories - - - 14,649 Prepaid items and deposits 76,979 80,280 157,259 - Total current assets 1,197,825 762,451 1,960,276 15,493,617 Noncurrent assets: Capital assets (note 5): Nondepreciable assets 315,814 212,568 528,382 507,000 Depreciable assets, net of accumulated depreciation 4,565,917 2,535,610 7,101,527 1,350,235 Total capital assets, net 4,881,731 2,748,178 7,629,909 1,857,235 Total noncurrent assets 4,881,731 2,748,178 7,629,909 1,857,235 Total assets 6,079,556 3,510,629 9,590,185 17,350,852 LIABILITIES Current liabilities: Accounts payable and accrued liabilities 172,028 150,267 322,295 381,394 Salaries payable - 24,714 24,714 51,856 Capital lesases payable - due within one year - - - 21,381 Compensated absences - due within one year - - - 178,559 Note payable - due within one year - 204,776 204,776 - Self-insurance claims payable - due within one year - - - 1,597,744 Total current liabilities 172,028 379,757 551,785 2,230,934 Noncurrent liabilities (note 7): Tenant security deposit liability 43,977 44,898 88,875 - Capital lesases payable - due in more than one year - - - 1,733,779 Note payable - due in more than one year - 2,276,886 2,276,886 - Self-insurance claims payable - due in more than one year - - - 4,286,256 Total noncurrent liabilities 43,977 2,321,784 2,365,761 6,020,035 Total liabilities 216,005 2,701,541 2,917,546 8,250,969 NET ASSETS Invested in capital assets, net of related debt 4,881,731 266,516 5,148,247 1,857,235 Restricted for: Housing 981,820 542,572 1,524,392 - Unrestricted - - - 7,242,648 Total net assets $ 5,863,551 809,088 6,672,639 9,099,883 See accompanying notes to the basic financial statements. 26 CITY OF NATIONAL CITY Statement of Revenues, Expenses and Changes in Net Assets Proprietary Funds For the Year Ended June 30, 2010 Enterprise Funds Kimball Morgan Towers Towers Total Governmental Activities - Internal Service Funds Operating revenues: Rental income $ 880,569 1,168,845 2,049,414 - Service charges - - - 9,411,591 Other revenues 7,259 7,042 14,301 429,232 Total operating revenues 887,828 1,175,887 2,063,715 9,840,823 Operating expenses: Personnel services - 2,091,642 Maintenance and operations 1,207,062 1,037,683 2,244,745 7,862,780 Depreciation 187,350 240,998 428,348 322,624 Total operating expenses 1,394,412 1,278,681 2,673,093 10,277,046 Operating income (loss) (506,584) (102,794) (609,378) (436,223) Nonoperating revenues (expenses): Interest income 3,847 3,096 6,943 Interest expense (180,982) (180,982) Total nonoperating revenues (expenses) 3,847 (177,886) (174,039) Income (loss) before transfers (502,737) (280,680) (783,417) (436,223) Transfers in (note 3) - 1,326,860 Transfers out (note 3) - (1,030,000) Change in net assets (502,737) (280,680) (783,417) (139,363) Net assets at beginning of year 6,366,288 1,089,768 7,456,056 9,239,246 Net assets, end of year $ 5,863,551 809,088 6,672,639 9,099,883 See accompanying notes to the basic financial statements. 27 CITY OF NATIONAL CITY Statement of Cash Flows Proprietary Funds For the year Ended June 30, 2010 Enterprise Funds Kimball Morgan Towers Towers Total Governmental Activities - Internal Service Funds Cash flows from operating activities: Cash received from customers/other funds $ 884,039 1,174,031 2,058,070 9,409,575 Cash payments to suppliers (1,188,477) (771,250) (1,959,727) (7,072,908) Cash payments for general and administrative - (176,029) (176,029) (2,086,291) Cash received from (payments to) other 7,259 7,042 14,301 418,455 Net cash provided (used by) operating activities (297,179) 233,794 (63,385) 668,831 Cash flows from noncapital financing activities: Cash received from other funds - - 1,175,356 Cash paid to other funds - - (1,030,000) Net cash provided (used by) noncapital financing activities - - 145,356 Cash flows from capital and related financing activities: Acquisition of capital assets (30,417) (30,417) (691,574) Issuance of lease payable - - 1,755,160 Principal payments of note payable - (191,924) (191,924) - Interest paid - (180,982) (180,982) - Net cash provided (used by) capital and related financing activities (30,417) (372,906) (403,323) 1,063,586 Cash flows from investing activities: Interest income 3,847 3,796 7,643 Net cash provided (used by) investing activities 3,847 3,796 7,643 Net increase (decrease) in cash and cash equivalents (323,749) (135,316) (459,065) 1,877,773 Cash and equivalents, beginning of year 1,444,105 817,487 2,261,592 13,526,913 Cash and equivalents, end of year $1,120,356 682,171 1,802,527 15,404,686 Reconciliation of operating income to net cash provided by operating activities: Operating income (loss) $ (506,584) (102,794) (609,378) (436,223) Adjustments to reconcile operating income (loss) to net cash provided (used) by operating activities: Depreciation 187,350 240,998 428,348 322,624 Changes in current assets and liabilities: Accounts receivable 2,577 5,186 7,763 (2,016) Inventories - - - 6,399 Prepaid items and deposits (29,868) 845 (29,023) - Accounts payable and accrued liabilities 49,346 82,165 131,511 (275,527) Salaries payable - 7,394 7,394 (463) Compensated absences - - (4,963) Self-insurance claims payable - - 1,059,000 Total adjustments 209,405 336,588 545,993 1,105,054 Net cash provided (used) by operating activities $ (297,179) 233,794 (63,385) 668,831 See accompanying notes to the basic financial statements. 28 ASSETS Cash and investments (note 2) Accounts receivable Interest receivable CITY OF NATIONAL CITY Statement of Fiduciary Net Assets Fiduciary Funds June 30, 2010 Library Private- Total Purpose Agency Fiduciary Trust Funds Funds $ 49,380 90 Total assets 49,470 LIABILITIES Accounts payable Deposits payable Total liabilities NET ASSETS Held in trust for private purposes $ 684,375 1,768 733,755 1,768 90 686,143 735,613 32,416 653,727 32,416 653,727 686,143 686,143 $ 49,470 - 49,470 See accompanying notes to the basic financial statements. 29 CITY OF NATIONAL CITY Statement of Changes in Fiduciary Net Assets Fiduciary Funds Year Ended June 30, 2010 Additions: Investment income Total additions Net increase (decrease) Net assets, beginning of year Net assets, end of year Library Private - Purpose Trust $ 583 583 583 48,887 $ 49,470 See accompanying notes to the basic financial statements. 30 Notes to the Basic Financial Statements 31 CITY OF NATIONAL CITY Notes to the Basic Financial Statements For the Year Ended June 30, 2010 (1) Summary of Significant Accounting Policies The basic financial statements of the City of National City, California (City) have been prepared in conformity with generally accepted accounting principles (GAAP) as applied to governmental agencies. The Governmental Accounting Standards Board (GASB) is the accepted standard setting body for establishing governmental accounting and financial reporting principles. The more significant of the City's accounting policies are described below. A. Reporting Entity The City was incorporated September 17, 1887 under the general laws of the State of California. The City operates under a Council -Manager form of government and provides basic local governmental services including public safety (police and fire), maintenance and construction of public improvements, cultural, recreation, planning, zoning, transportation, health services and general administration. In addition, the City operates the Community Development Commission (including Morgan Towers and Kimball Towers Enterprise Funds). The financial reporting entity consists of (a) the primary government, the City, (b) organizations for which the primary government is financially accountable, and (c) other organizations for which the primary government is not accountable, but for which the nature and significance of their relationship with the primary government are such that exclusion would cause the reporting entity's financial statements to be misleading or incomplete. As required by GAAP, these basic financial statements present the City and its component units, entities for which the City is considered to be financially accountable. Blended component units, although legally separate entities are, in substance, part of the City's operations and data from these units are combined with data of the City. Each blended component unit has a June 30 year-end. The City had no discretely presented component units. The following entities are reported as blended component units: Community Development Commission of the City of National City - The Community Development Commission of the City of National City (the "CDC") was established in April 1967 pursuant to provisions of the California Health and Safety Code. The CDC was created to undertake and carry out the redevelopment of certain areas within the City which the CDC has determined to be blighted areas by encouraging development of residential, commercial, industrial, recreational and public facilities and to assist neighborhood redevelopment through residential property improvement loans and housing assistance payments to low and moderate income earners. The City Council is the Governing Board of the CDC. Separate CDC financial statements may be obtained from the City's Finance Department located at 1243 National City Boulevard, National City, California 91950. 32 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) National City Joint Powers Financing Authority - The National City Joint Powers Financing Authority (the "NCJPFA") was created pursuant to a joint exercise of powers agreement entered into by and between the City and the CDC on April 16, 1991. The purpose of such agreement was to provide for the financing and construction of a new police facility and a new community center. The NCJPFA is administered by a commission consisting of the members of the City Council and all voting power of the NCJPFA resides in the commission. The NCJPFA exclusively benefits the City. There are no separate financial statements available. Parking Authority of the City of National City - In July 1977, the Parking Authority of the City of National City (the "Authority") was activated pursuant to the Parking Law of 1949 for the financing and construction of the Plaza Bonita Parking Facility. The City Council is the governing board of the Authority. The Authority exclusively benefits the City. The capital assets of the Authority have been included in the Government - Wide Financial Statements. There are no separate financial statements available. B. Basis of Accounting and Measurement Focus The accounts of the City are organized on the basis of funds, each of which is considered a separate accounting entity. The operations of each fund are accounted for with a separate set of self -balancing accounts that comprise its assets, liabilities, fund equity, revenues, and expenditures or expenses, as appropriate. Governmental resources are allocated to and accounted for in individual funds based upon the purposes for which they are to be spent and the means by which spending activities are controlled. Government -Wide Financial Statements The City's Government -Wide Financial Statements include a Statement of Net Assets and a Statement of Activities and Changes in Net Assets. These statements present summaries of governmental and business -type activities for the City accompanied by a total column. Fiduciary activities of the City are not included in the Government -wide statements. 33 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) These basic financial statements are presented on an "economic resources" measurement focus and the accrual basis of accounting. Accordingly, all of the City's assets and liabilities, including capital assets, as well as infrastructure assets, and long-term liabilities, are included in the accompanying Statement of Net Assets. The Statement of Activities presents changes in net assets. Under the accrual basis of accounting, revenues are recognized in the period in which they are earned while expenses are recognized in the period in which the liability is incurred. Certain types of transactions are reported as program revenues for the City in three categories: • Charges for services • Operating grants and contributions • Capital grants and contributions Certain eliminations have been made as prescribed by GASB Statement No. 34 in regards to interfund activities, payables and receivables. All internal balances in the Statement of Net Assets have been eliminated except those representing balances between the governmental activities and the business -type activities, which are presented as internal balances and eliminated in the total primary government column. In the Statement of Activities and Changes in Net Assets, internal service fund transactions have been eliminated; however, those transactions between governmental and business -type activities have not been eliminated. The following interfund activities have been eliminated: • Due to/from other funds • Loans receivable/related deferred revenue • Advances to/from other funds • Transfers in/out The City applies all applicable GASB pronouncements (including all NCGA Statements and Interpretations currently in effect) as well as the following pronouncements issued on or before November 30, 1989, to the business type activities, unless those pronouncements conflict with or contradict GASB pronouncements: Financial Accounting Standards Board (FASB) Statements and Interpretations, Accounting Principles Board (APB) Opinions, and Accounting Research Bulletins (ARB) of the committee on Accounting Procedure. The City applies all applicable FASB Statements and Interpretations issued after November 30, 1989, except those that conflict with or contradict GASB pronouncements. 34 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) Fund Financial Statements Governmental Funds Financial Statements Governmental Fund Financial Statements include a Balance Sheet and a Statement of Revenues, Expenditures and Changes in Fund Balances for all major governmental funds and non -major funds aggregated. An accompanying schedule is presented to reconcile and explain the differences in net assets as presented in these statements to the net assets presented in the Government -Wide Financial Statements. The City has presented all major funds that met the applicable criteria. All governmental funds are accounted for on a spending or "current financial resources" measurement focus and the modified accrual basis of accounting. Accordingly, only current assets and current liabilities are included on the Balance Sheet. The Statement of Revenues, Expenditures and Changes in Fund Balances presents increases (revenues and other financing sources) and decreases (expenditures and other financing uses) in net current assets. Under the modified accrual basis of accounting, revenues are recognized in the accounting period in which they become both measurable and available to finance expenditures of the current period. Revenues are recorded when received in cash, except for that revenues subject to accrual (generally 60 days after year-end) are recognized when due. The primary revenue sources, which have been treated as susceptible to accrual by the City, are property tax, sales tax, intergovernmental revenues and other taxes. Expenditures are recorded in the accounting period in which the related fund liability is incurred. Deferred revenues arise when potential revenues do 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 deferred revenue is removed and revenue is recognized. The Reconciliation of the Fund Financial Statements to the Government -Wide Financial Statements is provided to explain the differences created by the integrated approach of GASB Statement No. 34. 35 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) The City reported the following types of major governmental funds: General Fund This fund is used to account for resources, which are not required legally or by sound financial management to be accounted for in another fund. Section 8 Housing Assistance Special Revenue Fund This fund is used to account for the activities of Section 8 Housing Assistance Program. The program provides rental assistance to low income families by subsidizing a portion of the rent directly to landlords on behalf of low income households. Other Special Revenue Fund This represents a combination of minor and less active funds that the City has combined for reporting purposes. Nutrition Program Special Revenue Fund This fund is used for operations of the Nutrition grant. Sewer Service Special Revenue Fund This fund is used to account for the collection of sewer connection fees and monthly sewer service charges used for the construction and maintenance of City sewers. Low and Moderate Income Housing Fund This fund is used to account for the Community Development Commission 20% Set Aside. Community Development Commission Debt Service Fund This fund is used to account for debt service of the Community Development Commission. Redevelopment Capital Project Fund This fund is used to account for the administrative expenditures of the Community Development Commission and redevelopment capital projects. Proprietary Fund Financial Statements Proprietary fund financial statements include a Statement of Net Assets, a Statement of Revenues, Expenses and Changes in Fund Net Assets, and a Statement of Cash Flows for each major proprietary fund. 36 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) A separate column representing internal service funds is also presented in these statements. However, internal service balances and activities have been combined with the governmental activities in the Government -Wide Financial Statements. Proprietary funds are accounted for using the "economic resources" measurement focus and the accrual basis of accounting. Accordingly, all assets and liabilities (whether current or noncurrent) are included on the Statement of Net Assets. The Statement of Revenues, Expenses and Changes in Fund Net Assets presents increases (revenues) and decreases (expenses) in total net assets. Under the accrual basis of accounting, revenues are recognized in the period in which they are earned while expenses are recognized in the period in which the liability is incurred. In these funds, receivables have been recorded as revenue and provisions have been made for uncollectible amounts. In accordance with GASB Statement No. 20, Accounting and Financial Reporting for Proprietary Funds and Other Government Entities that Use Proprietary Fund Accounting, the City applies all GASB pronouncements currently in effect as well as Financial Accounting Standard Board Statements and Interpretations, Accounting Principles Board Opinions and Accounting Research Bulletins of the Committee on Accounting Procedure issued on or before November 30, 1989. Operating revenues in the proprietary funds are those revenues that are generated from the primary operations of the fund. All other revenues are reported as nonoperating revenues. Operating expenses are those expenses that are essential to the primary operations of the fund. All other expenses are reported as nonoperating expenses. The City reported the following types of major proprietary funds: Kimball Towers This fund is used to account for activities relating to the operations of Kimball Tower, which is used to provide housing to low and moderate income seniors. Morgan Towers This fund is used to account for activities relating to the operations of Morgan Tower, which is used to provide housing to low and moderate income seniors. 37 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) The City also reports the following fund types: Internal Service Funds These funds are used to account for interdepartmental operations where it is the stated intent that costs of providing services to the departments of the City on a continuing basis be financed or recovered primarily by charges to the user departments. Fiduciary Fund Financial Statements Fiduciary fund financial statements include a Statement of Net Assets and a Statement of Changes in Fiduciary Net Assets. The City's fiduciary funds represent private -purpose trust fund and agency funds. The private -purpose trust fund is used to account for resources legally held in trust for special purposes. The Agency funds are custodial in nature (assets equal liabilities) and do not involve measurement of results of operations. The Agency funds are accounted for using an accrual basis of accounting. C. Use of Restricted/Unrestricted Net Assets When an expense is incurred for purposes for which both restricted and unrestricted net assets are available, the City's policy is to apply restricted net assets first. D. Cash, Cash Equivalents and Investments The City pools its available cash for investment purposes. The City's cash and cash equivalents are considered to be cash on hand, demand deposits, and short- term investments with original maturity of three months or less from the date of acquisition. Cash and cash equivalents are combined with investments and displayed as Cash and Investments. In accordance with GASB Statement No. 31, Accounting and Financial Reporting for Certain Investments and for External Investment Pools, highly liquid market investments with maturities of one year or less at time of purchase are stated at amortized cost. All other investments are stated at fair value. Market value is used as fair value for those securities for which market quotations are readily available. 38 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) The City participates in an investment pool managed by the State of California, entitled Local Agency Investment Fund (LAIF), which has invested a portion of the pool funds in Structured Notes and Asset -Backed Securities. LAIF's investments are subject to credit risk with the full faith and credit of the State of California collateralizing these investments. In addition, these Structured Notes and Asset -Backed Securities are subject to market risk as to change in interest rates. E. Restricted Cash and Investments Certain restricted cash and investments are held by fiscal agents for the redemption of bonded debt and for acquisition and construction of capital projects. F. Interfund Transactions Activity between funds that are representative of lending/borrowing arrangements outstanding at the end of the fiscal year are referred to as either "due to/from other funds" (i.e., the current portion of interfund loans) or "advances to/from other funds" (i.e., the noncurrent portion of interfund loans). Any residual balances outstanding between the governmental activities and business -type activities are reported in the Governmental -Wide Financial Statements as "internal balances." Advances between funds, reported in the fund financial statements, are offset by a fund balance reserve account in applicable governmental funds to indicate that they are not available for appropriation and are not expendable available financial resources. G. Inventories and Prepaid Items Inventories are stated at cost using the average cost method. Payments made to vendors for services that will benefit periods beyond June 30, 2008 are recorded as prepaid items. The City uses the consumption method when reporting prepaid items. Prepaid items are recorded as an asset and are offset by a reserve in the fund financial statements. H. Land Held for Resale Land held for resale is recorded at the lower of cost or, upon entering into a contract for sale, the estimated net realizable value. Fund balances are reserved in amounts equal to the carrying value of land and buildings held for resale, because such assets are not available to finance the City's current operations. 39 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) Capital Assets The City's assets are capitalized at historical cost or estimated historical cost. City policy has set the capitalization threshold for reporting general capital assets at $5,000 (including infrastructure assets). Gifts or contributions of capital assets are recorded at fair market value when received. Depreciation is recorded on a straight-line basis over the useful lives of the assets as follows: Buildings and Improvements 10 -50 years Machinery and Equipment 2 -20 years Infrastructure 25 -75 years In June 1999, the GASB issued Statement No. 34 which requires the inclusion of infrastructure capital assets in local governments' basic financial statements. In accordance with Statement No. 34, the City has included the value of all infrastructures in the Basic Financial Statements. The City defines infrastructure as the basic physical assets that allow the City to function. The assets include the streets, water purification and distribution system, sewer collection and treatment system, parks and recreation, lands and improvement system, storm water conveyance system, and buildings combined with the site amenities such as parking and landscaped areas used by the City in the conduct of its business. Each major infrastructure system can be divided into subsystems. For example, the street system can be subdivided into pavement, curb and gutters, sidewalks, medians, streetlights, traffic control devices (signs, signals and pavement markings), landscaping and land. These subsystems were not delineated in the basic financial statements. The appropriate operating department maintains information regarding the subsystems. Interest accrued during capital assets construction, if any, is capitalized for the business -type and proprietary funds as part of the asset cost. For all infrastructure systems, the City elected to use the Basic Approach as defined by GASB Statement No. 34 for infrastructure reporting. The City commissioned an appraisal of City owned infrastructure and property as of June 30, 2003. This appraisal determined the estimated historical cost, which is defined as the actual cost to acquire new property in accordance with market prices at the time of first construction/acquisition. Estimated historical costs were developed in one of three ways: (1) historical records; (2) standard unit costs appropriate for the construction/acquisition date; or (3) present cost indexed by a reciprocal factor of the price increase from the construction/acquisition date to the current date. The accumulated depreciation, defined as the total depreciation from the date of construction/acquisition to the current date on a straight line, 40 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) unrecovered cost method was computed using industry accepted life expectancies for each infrastructure system. The book value was then computed by deducting the accumulated depreciation from the estimated historical cost. J. Interest Payable In the government -wide financial statements, interest payable on long-term debt is recognized as the liability is incurred for governmental fund types and proprietary fund types. In the fund financial statements, proprietary fund types recognize the interest payable when the liability is incurred. K. Compensated Absences In the governmental fund financial statements, compensated absences are recorded as expenditures in the year paid, as it is the City's policy to liquidate any unpaid vacation or sick leave at year-end from future resources rather than currently available and expendable resources. Accordingly, the entire unpaid liability for employee compensated absences related to governmental fund types is recorded in the government -wide financial statements and is typically liquidated by the General Fund. For proprietary funds, the estimated value of the total accrued vacation and vested sick leave is recorded as current liability in the fund financial statements and government -wide financial statements and is typically liquidated by the respective enterprise and internal service funds. L. Long -Term Debt In the government -wide financial statements, long-term debt and other long-term obligations are reported as liabilities in the applicable governmental activities. 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. 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 financial 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. 41 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) M. Fund Balances - Reservations and Designations In the fund financial statements, governmental funds report reservations of fund balances for amounts that are not available for appropriation or are legally restricted by outside parties for use for a specific purpose. Designations of fund balance represent tentative management plans that are subject to change. N. Net Assets In the government -wide financial statements, net assets are classified in the following categories: Invested in Capital Assets, Net of Related Debt - This amount consists of capital assets net of accumulated depreciation and reduced by outstanding debt that attributed to the acquisition, construction, or improvement of the assets. Restricted Net Assets - This amount is restricted by external creditors, grantors, contributors, laws or regulations of other governments. Unrestricted Net Assets - This amount is all net assets that do not meet the definition of "invested in capital assets, net of related debt" or "restricted net assets." O. Property Taxes The City has elected, by ordinance, that the duties of assessing and collecting property taxes be performed by the San Diego County Assessor and Tax Collector, respectively. Tax levies cover the period from July 1 to June 30 of each year. All tax liens attach annually on the first day in March preceding the fiscal year for which the taxes are levied. Taxes are levied on both real and personal property as it exists on that date. Secured property taxes are levied against real property and are due and payable in two equal installments. The first installment is due on November 1 and becomes delinquent if not paid by December 10. The second installment is due on February 1 and becomes delinquent if not paid by April 10. Unsecured personal property taxes are due on July 1 each year. These taxes become delinquent if not paid by August 31. The City records property tax revenues in the fiscal year to which they relate rather than at the related lien date. 42 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) One of the CDC's primary sources of revenue is from property tax increments. The assessed valuation of all property within the Downtown Redevelopment Project area was determined on the date of adoption of the Redevelopment Plan. Property tax related to the incremental increase in assessed values after the adoption of the Redevelopment Plan are allocated to the CDC; all taxes on the "frozen" assessed valuation of the property are allocated to the City and unrelated taxing agencies. P. Community Development Commission Rental Revenue Rental revenues received from tenants in the CDC's Morgan Towers Housing Project (an enterprise fund) are subsidized with Federal government funds under a Section 8 contract with the U.S. Department of Housing and Urban Development (HUD). The rent subsidy received from HUD is equal to the excess of the fair market rent of the apartment units over the amounts paid by the tenants. The amounts paid by the tenants are subject to certain Section 8 eligibility requirements and application procedures. Use of Estimates The preparation of the basic financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions. These estimates and assumptions affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities. In addition, estimates affect the reported amount of expenses. Actual results could differ from these estimates and assumptions. Q• (2) Cash and Investments Cash and investments as of June 30, 2010 are classified in the accompanying financial statements as follows: Statement of Net Assets: Cash and investments Restricted cash and investments with fiscal agents Statement of Fiduciary Net Assets: Cash and investments Total cash and investments Cash and investments as of June 30, 2010 consist of th Cash on hand Deposits with financial institutions Investments Total cash and investments $ 71,081,459 6,772,799 733,755 $ 78,588,013 e following: $ 3,333 6,350,676 72,234,004 $ 78,588,013 43 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (2) Cash and Investments, (Continued) Investments Authorized by the California Government Code and the City's Investment Policy The table below identifies the investment types that are authorized for the City by the California Government Code and the City's investment policy. The table also identifies certain provisions of the California Government Code (or the City's investment policy, if more restrictive) that address interest rate risk and concentration of credit risk. This table does not address investments of debt proceeds held by fiscal agent that are governed by the provisions of debt agreements of the City, rather than the general provisions of the California Government Code or the City's investment policy. Investment Types Authorized by State Law Local Agency Bonds U.S. Treasury Obligations U.S. Agency Securities Banker's Acceptances Commercial Paper Negotiable Certificates of Deposit Repurchase Agreements Reverse Repurchase Agreements Medium -Term Notes Mutual Funds Money Market Mutual Funds Mortgage Pass -Through Securities County Pooled Investment Funds Local Agency Investment Fund (LAIF) JPA Pools (other investment pools) Authorized By Investment Policy Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes *Maximum Maturity 5 years 5 years 5 years 180 days 180 days 2 years 1 year 92 days 5 years N/A N/A 5 years N/A N/A N/A *Maximum Percentage Of Portfolio None None None 5% 15% 30% None 20% of base value 30% 15% 20% 20% None None None *Maximum Investment in One Issuer None None None 5% 10% None None None None 10% 10% None None None None * Based on state law requirements or investment policy requirements, whichever is more restrictive. 44 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (2) Cash and Investments, (Continued) Investments Authorized by Debt Agreements Investment of debt proceeds held by fiscal agent are governed by provisions of the debt agreements, rather than the general provisions of the California Government Code or the City's investment policy. The table below identifies the investment types that are generally authorized for investments held by fiscal agent. The table also identifies certain provisions of these debt agreements that address interest rate risk and concentration of credit risk. Authorized Investment Type Maximum Maximum Maximum Percentage Investment Maturity Allowed in One Issuer U.S. Treasury Obligations None None None U.S. Agency Securities None None None Banker's Acceptances 360 days None None Commercial Paper 270 days None None Money Market Mutual Funds N/A None None Investment Contracts 30 years None None Certificates of Deposit None None None Repurchase Agreements None None None Mortgage Pass -Through Securities None None None State Bonds or Notes None None None Municipal Bonds or Notes None None None Disclosures Relating to Interest Rate Risk Interest rate risk is the risk that changes in market interest rates will adversely affect the fair value of an investment. Generally, the longer the maturity of an investment, the greater the sensitivity of its fair value to changes in market interest rates. One of the ways that the City manages its exposure to interest rate risk is by purchasing a combination of shorter term and longer term investments and by timing cash flows from maturities so that a portion of the portfolio is maturing or coming close to maturity evenly over time as necessary to provide the cash flow and liquidity needed for operations. 45 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (2) Cash and Investments, (Continued) Information about the sensitivity of the fair values of the City's investments (including investments held by fiscal agent) to market interest rate fluctuations is provided by the following table that shows the distribution of the City's investments by maturity: Remaining Maturity (in Months) Investment Type U.S. Agency Securities Certificates of Deposit-CDARS Certificates of Deposit CalTrust Local Agency Investment Fund Commercial Paper Held by Fiscal Agent: Money Market Funds Total 12 Months 13 to 24 or Less Months $ 6,908,807 - 3,000,000 3,000,000 1,089,245 1,089,245 2,339,397 2,339,397 54,420,257 54,420,257 515,065 25 to 60 Months - 6,908,807 - 515,065 3,961,233 3,961,233 Total $72,234,004 64,810,132 515,065 6,908,807 Disclosures Relating to Credit Risk Generally, credit risk is the risk that an issuer of an investment will not fulfill its obligation to the holder of the investment. This is measured by the assignment of a rating by a nationally recognized statistical rating organization. Presented below is the minimum rating required by (where applicable) the California Government Code, the City's investment policy, or debt agreements, and the actual rating as of year end for each investment type. Investment Type U.S Agency Securities Certificates of Deposit-CDARS Certificates of Deposit CalTrust Local Agency Investment Fund Commercial Paper Held by Fiscal Agent Money Market Funds Total Minimum Legal Total Rating $ 6,908,807 AAA 3,000,000 N/A 1,089,245 N/A 2,339,397 N/A 54,420,257 N/A 515,065 A 3,961,233 N/A $72,234,004 Rating as of Year End AA+ AAA Not Rated - 6,908,807 - - - 3,000,000 - - 1,089,245 - - 2,339,397 - - 54,420,257 515,065 3,961,233 515,065 6,908,807 64,810,132 46 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (2) Cash and Investments, (Continued) Custodial Credit Risk Custodial credit risk for deposits is the risk that, in the event of the failure of a depository financial institution, a government will not be able to recover its deposits or will not be able to recover collateral securities that are in the possession of an outside party. The custodial credit risk for investments is the risk that, in the event of the failure of the counterparty (e.g., broker -dealer) to a transaction, a government will not be able to recover the value of its investment or collateral securities that are in the possession of another party. The California Government Code and the City's investment policy do not contain legal or policy requirements that would limit the exposure to custodial credit risk for deposits or investments, other than the following provision for deposits: The California Government Code requires that a financial institution secure deposits made by state or local governmental units by pledging securities in an undivided collateral pool held by a depository regulated under state law (unless so waived by the governmental unit). The market value of the pledged securities in the collateral pool must equal at least 110% of the total amount deposited by the public agencies. California law also allows financial institutions to secure City deposits by pledging first trust deed mortgage notes having a value of 150% of the secured public deposits. For investments identified herein as held by fiscal agent, the fiscal agent generally selects the investment under the terms of the applicable trust agreement, acquires the investment, and holds the investment on behalf of the reporting government. Investment in State Investment Pool The City is a voluntary participant in the Local Agency Investment Fund (LAIF) that is regulated by the California Government Code under the oversight of the Treasurer of the State of California. The fair value of the City's investment in this pool is reported in the accompanying financial statements at amounts based upon the City's pro-rata share of the fair value provided by LAIF for the entire LAIF portfolio (in relation to the amortized cost of that portfolio). The balance available for withdrawal is based on the accounting records maintained by LAIF, which are recorded on an amortized cost basis. LAIF is not rated. 47 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (2) Cash and Investments, (Continued) Restricted Cash and Investments of Community Development Commission Enterprise Fund The activities of Morgan Towers and Kimball Towers activities are recorded in and presented as Community Development Commission Enterprise Fund. In accordance with HUD requirement, the CDC maintains the following: Morgan Towers: Replacement reserve $ 428,091 Residual receipts reserve 226,604 MIP and insurance impounds reserve 18,373 Total Morgan Towers $ 673,068 Kimball Towers: Residual receipts reserve $ 304,710 Other 739,760 Total Kimball Towers $1,044,470 Total restricted cash and investments $1,717,538 Morgan Towers • Reserve for replacements of $428,091 represents a monthly deposit of $3,127 plus income earned thereon. This reserve will be used for the future replacement of property with HUD's approval. • Residual receipts reserve of $226,604 is an accumulation of surplus cash as calculated by HUD's Computation of Surplus Cash, Distributions and Residual Receipts, which can be expended only with HUD's approval. • Reserve for MIP and insurance impounds of $10,498 and $7,875, respectively, totaling $18,373 represent amounts held for the future payment of property and mortgage insurance. Kimball Towers • Residual receipts reserve of $304,710 is an accumulation of surplus cash as calculated by HUD's Computation of Surplus Cash, Distributions and Residual Receipts, which can be expended only with HUD's approval. • Other restricted cash and investments totaling $739,760 are included in the accompanying basic financial statements. 48 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Interfund Transactions Due To/From Other Funds Current interfund receivable and payable balances at June 30, 2010 are as follows: Due From Other Funds General Fund Subtotal — General Fund Section 8 Housing Fund Nonmajor Other Governmental Funds Redevelopment Capital Projects Fund Due To Other Funds Amount Other Special Revenue Fund $ 938,116 Nonmajor Other Governmental Funds 698,727 1,636,843 Redevelopment Capital Projects Fund Nonmajor Other Governmental Funds Section 8 Housing Fund 106 124,561 15,884 $1,777,394 Interfund balances are primarily related to short-term borrowings to cover deficit cash balances at June 30, 2010. 49 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Interfund Transactions, (Continued) Interfund Transfers For the year ended June 30, 2010, interfund transfers were as follows: Transfers In Transfers Out Amount Other Governmental Funds General Fund $ 924,507 (a) Other Special Revenue Fund General Fund 1,380,797 (b) Nutrition Program Fund General Fund 1,716,103 (c) Internal Service Funds General Fund 1,326,860 (d) Total General Fund 5,348,267 General Fund Other Special Revenue Funds 1,117,756 (e) General Fund Other Governmental Funds 900,131 (f) Other Governmental Funds Other Governmental Funds 522,489 (g) Total Other Governmental Funds 1,422,620 General Fund Internal Service Funds 1,030,000 (h) Community Development Other Special Revenue Funds Capital Projects Fund 666,667 (i) Community Development Community Development Low Debt Service Fund and Moderate Housing Fund 826,093 (j) Community Development Low and Moderate Housing Fund Other Governmental Funds 927,881 (k) Community Development Community Development Low Section 8 Housing Fund and Moderate Housing Fund 608,152 (1) Total Community Development Low and Moderate Housing Fund 1,434,245 Total $11,947,436 Significant interfund transfers were primarily to: (a) to subsidize operations for the National City Library operations; (b) to provide funding for one time employee incentive payments and leave sellbacks; (c) to subsidize the nutrition center program in FY 10 in the amount of 177,765 and subsidize the prior year's deficit balance in the amount of 1,538,338 as approved by the City Council; (d) to subsidize the prior year funding for various library and community services programs; (e) to provide funding for various General Fund programs and services; (f) to provide funding for various General Fund programs and services; (g) to provide funding for various library and community services program; (h) to provide funding for various General Fund programs and services; (i) to provide funding for the General Plan Update; (j) to record the Low and Moderate Income Housing fund's share of the debt service payment related to the 1999 TAB and the 2005 TAB (18% of series A); (k) to use HUD program income to reimburse CDBG program costs; and (1) to subsidize Section 8 operations. 50 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (3) Interfund Transactions, (Continued) Interfund Advances Long-term interfund receivables and payables as of June 30, 2010 are as follows: Receivable Fund Sewer Service Fund Total Sewer Service Fund Other Special Revenue Fund Payable Fund Amount Other Special Revenue Fund $ 760,034 (a) Community Development Capital Project Fund 739,966 (b) 1,500,000 General Fund 563,382 (c) $2,063,382 (a) To borrow funding for the fiscal year 2010-11 street resurfacing improvements program: the loan establishes a 5 year re -payment agreement with the Tax Increment fund for the first three years at an interest rate of 0.75% per annum. (b) To borrow funding for the fiscal year 2010-11 street resurfacing improvements program: the loan establishes a 5 year re -payment agreement with the TransNet (Prop A) fund for the last two years at an interest rate of 0.75% per annum. (c) To borrow funding for the purchasing of a new fire truck: the loan established a 10 year re -payment agreement with the NCFD at an interest equal to 3.69% per annum. (4) Contracts, Notes and Loans Receivable As of June 30, 2010, the Contracts, Notes and Loans Receivable following: Community Development Commission Governmental Fund: First time home buyer loans Loans Copper Hills Apartments, LP Plaza Manor Single -Family Housing Rehabilitation Loan Program Young Trust Casa Familiar Plaza City Subtotal Total consisted of the Outstanding at June 30, 2010 $ 2,066,093 8,057,792 500,558 223,349 230,000 1,576,900 3,422,000 14,010,599 $16,076,692 51 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (4) Contracts, Notes and Loans Receivable, (Continued) Copper Hills Apartments, LP — CDC Residual Receipts Note dated February 19, 1999 disclosed a loan of $2,400,000 with 3% interest per annum for 55 years, funded by HOME and Low & Moderate Income Housing Funds. A second and junior to the CDC Residual Receipts Note was made on June 1, 1999 referred to as CDC Rehabilitation Note with 3% interest per annum for 55 years and funded by Low & Moderate Income Housing Fund. These loans were made to acquire, develop, rehabilitate and operate the multi -family apartments located at "Q" Avenue in National City, Ca. This project will contain 134 apartment dwelling units following rehabilitation and renovation. Plaza Manor — CDC of the City of National City entered into a loan agreement with Plaza Manor Preservation, LP on December 18, 2001 in the amount of $500,000 with 3% compound interest per annum and shall end on April 15, 2032. The borrower has acquired a property located in the City of National City with aid of the said loan and with the intention to operate a 372 unit project as a very low and low income housing project. Funding sources for this loan were HOME (48%) and Low & Moderate Income Housing Funds (52%). Single -Family Housing Rehabilitation Loan Program — Prior to 2005, the CDC of the City of National City provided loans to eligible low-income homeowners to make repairs and basic home improvements that maintain the quality of their housing and created a positive effect in the surrounding neighborhood. Loans were offered at below -market interest rates utilizing federal HOME Investment Partnerships Program funds. Young Trust — A Promissory Note secured by Deed of Trust was made on December 17, 2003 between CDC of the City of National City and Robert Dale Young and Deborah Mae Young in the amount of $230,000 with interest of 5% per year. This loan is in reference to the California Community Redevelopment Law, where CDC appeals to redevelop a portion of the National City Redevelopment project, which is bounded by the location at Harrison Avenue, National City. Casa Familiar — CDC of the City of National City entered in an Acquisition, Rehabilitation and Permanent Loan Agreement with Casa Familiar, Inc. on October 1, 2009 amounting to $516,900 with 2% per annum from the date of the disbursement. Interest shall accrue, however, no payments shall be due under the CDC Note until July 1, 2011, and annually on July 1 of each year during the term of the CDC note, and Borrower shall make payments to the CDC in the manner provided in the CDC note until 55 years. This loan was intended to acquire, rehabilitate and permanently finance the property located at 304 East Fifth Street, National City, CA and is comprised entirely of HUD HOME funds all of which shall be used for HOME eligible purposes. Plaza City — CDC of the City of National City entered into a Loan Agreement with Plaza City Apartments, LP on November 1, 2005 in the amount of $2,700,000 with 3% interest per annum for 55 years. It was amended per Resolution No. 2006-202 dated September 19, 2006 which increased the loan amount by $722,000 for a total of $3,422,000. This loan will be used by the borrower to pay the balance of the purchase price and additional costs relating to the acquisition, demolition and development of certain real property located at 1535 Plaza Blvd., National City, CA. 52 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Capital Assets The following is a summary of changes in the capital assets for governmental activities at June 30, 2010: Balance at Balance at July 1, 2009 Additions Deletions June 30, 2010 Governmental -type activities: Depreciable: Buildings and improvements $ 44,343,967 - 44,343,967 Machinery and equipment 12,838,883 1,231,749 14,070,632 Infrastructure 110,333,302 1,582,127 (38,927) 111,876,502 Total cost of depreciable capital assets 167,516,152 2,813,876 (38,927) 170,291,101 Less accumulated depreciation: Buildings and improvements (15,746,887) (1,396,566) (17,143,453) Machinery and equipment (8,488,584) (909,418) (9,398,002) Infrastructure (49,502,713) (2,689,071) 31,945 (52,223,729) Total accumulated depreciation (73,738,184) (4,995,055) 31,945 (78,765,184) Net depreciable capital assets 93,777,968 (2,181,179) (70,872) 91,525,917 Non -depreciable: Land 20,025,598 20,025,598 Rights of way 4,245,088 - 4,245,088 Construction in progress 3,106,170 4,357,391 (2,385,436) 5,078,125 Total non -depreciable capital assets 27,376,856 4,357,391 (2,385,436) 29,348,811 Capital assets, net $121,154,824 2,176,212 (2,456,308) 120,874,728 Depreciation expense for governmental activities for the year ended June 30, 2010 of $4,995,055 was allocated as follows: General Government $ 353,549 Community Development 1,524,047 Public Safety 881,660 Transportation 2,235,799 $4,995,055 53 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Capital Assets, (Continued) The following is a summary of changes in the capital assets for business -type activities at June 30, 2010: Balance at Balance at July 1, 2009 Additions Deletions June 30, 2010 Business -type activities: Depreciable: Buildings and improvements $ 15,654,166 Machinery and equipment 462,153 30,418 15,684,584 462,153 Total depreciable capital assets 16,116,319 30,418 - 16,146,737 Less accumulated depreciation (8,616,862) (428,348) (9,045,210) Total depreciable assets, net 7,499,457 (397,930) 7,101,527 Non -depreciable assets: Land 528,382 - 528,382 Total non -depreciable capital assets Capital assets, net 528,382 - 528,382 $8,027,839 (397,930) 7,629,909 Depreciation expense for business -type activities for the year ended June 30, 2010 was allocated as follows: Kimball Towers Morgan Towers $ 187,350 240,998 Total depreciation expense $428,348 54 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (6) Risk Management The City is exposed to various risks of loss related to torts; theft of, damage to and destruction of assets; errors and omissions; natural disasters; and workers' compensation claims. A self-insurance (internal service) fund is used to account for the City's insurance programs. Operating revenues of this fund represent payments from other City funds and are based upon estimated umbrella insurance premium expenses, self-insurance losses and other operating expenses. The City is a member of the San Diego Pooled Insurance Program Authority (the "Program Authority"), a joint powers authority established to provide insurance and insurance -related services to its members. The Program Authority's governing board consists of one member from each participating city and is responsible for the selection of management as well as budgeting and finance. Insurance activities are financed by charges to member cities. Each participating city has its own self -insured retention level. The City is insured for general liability with a self -insured retention of $150,000. Losses between the self -insured retention level and $2,000,000 are shared by the participant cities. Excess liability insurance coverage is provided by the Program Authority for losses greater than $2,000,000 up to $35,000,000. Losses in excess of $35,000,000 are not covered and are self -funded by the City. The City is completely self - insured for unemployment claims. The City is also a member of CSAC Excess Insurance Authority ("CSAC"), a joint powers authority, for workers compensation claims. The City is self -insured for workers compensation claims and losses up to $500,000 per occurrence. Losses between the self - insured retention level and $5,000,000 are shared by the participant cities. Losses in excess of $5,000,000 up to $200,000,000 are reinsured by a commercial insurance carrier. The City is completely self -insured for unemployment claims. During the current year, there were no significant reductions in insurance coverage from the prior year. For each of the past three fiscal years, the settlements have not exceeded the City's insurance coverage. 55 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (6) Risk Management, (Continued) At June 30, 2010, the City accrued $5,884,000 of workers' compensation and general liability claims representing estimates of amounts to be paid for actual and incurred but not reported claims based upon past experience, modified for current trends and information. Allocated claim adjustment expenses are included in claim liabilities. While the ultimate amount of losses incurred through June 30, 2010 is dependent on future developments, based upon information from the City Attorney, outside counsel and others involved with the administration of the programs, City management believes that the aggregate accrual is adequate to cover such losses. For the past three years, no settlements or claims payments have exceeded the amount of the applicable coverage. For the past two fiscal years, the changes in the City's liability for claims payable are summarized as follows: Fiscal Year 2009-10 Fiscal Year 2008-09 Unpaid claims, July 1 $ 4,825,000 4,508,000 Incurred claims and adjustments 1,832,888 2,051,528 Claims paid (773,888) (1,734,528) Total $ 5,884,000 4,825,000 56 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Long -Term Debt Following is a summary of long-term debt transactions for the fiscal year ended June 30, 2010: Classification Amount Due Amount Due Balance at Balance at Within Beyond July 1, 2009 Additions Deletions June 30, 2010 One Year One Year Governmental Activities: National City Joint Powers Financing Authority: Lease Revenue Refunding Bonds $ 3,605,000 (325,000) 3,280,000 345,000 2,935,000 Community Development Commission: 1999 Tax Allocation Bonds 4,210,000 (120,000) 4,090,000 125,000 3,965,000 2004 Tax Allocation Bonds 4,885,000 (265,000) 4,620,000 275,000 4,345,000 2005 Series A and B Tax Allocation Bonds 30,585,000 (1,840,000) 28,745,000 2,125,000 26,620,000 General Obligation Bonds 5,440,000 (155,000) 5,285,000 165,000 5,120,000 HUD 108 Bond 2003 A 5,975,000 (225,000) 5,750,000 245,000 5,505,000 Total Bonds 54,700,000 (2,930,000) 51,770,000 3,280,000 48,490,000 Claims Payable 4,825,000 1,832,888 (773,888) 5,884,000 1,597,744 4,286,256 Compensated Absences 3,176,651 2,276,019 (2,423,878) 3,028,792 1,975,044 1,053,748 Other postemployment Benefits 34,624 110,954 (91,783) 53,795 - 53,795 Capitalized Lease Obligations 1,117,728 1,755,160 (261,174) 2,611,714 188,663 2,423,051 Total Governmental Activities 63,854,003 5,975,021 (6,480,723) 63,348,301 7,041,451 56,306,850 Business -type Activities: Note Payable 2,673,586 (191,924) 2,481,662 204,776 2,276,886 Total Primary Government $66,527,589 4,219,861 (6,672,647) 65,839,963 7,246,227 58,583,736 57 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Long -Term Debt, (Continued) National City Joint Powers Financing Authority (NCJPFA) Lease Revenue Refunding Bonds The NCJPFA issued $6,255,000 of refunding bonds on October 1, 1998 to provide funds for the advance refunding of the previously issued bonds. Interest on the bonds is payable semiannually on each April 1 and October 1, commencing April 1, 1999. The bonds are special obligations of NCJPFA secured by a pledge of revenues which consist of lease payments received by NCJPFA, as lessor, from the City, as lessee. The bonds have interest rates that range from 3.20% to 3.95 % for those that mature from 1999 through 2008 and 4.70% for those that mature from 2009 through 2017. The bonds maturing on or before October 1, 2008 are not subject to optional redemption prior to maturity. The bonds maturing on or after October 1, 2009 are subject to optional redemption prior to maturity on October 1, 2008, and any payment date thereafter at the option of NCJFPA, as a whole or in part pro rata among maturities and by lot within a maturity, expressed as percentages of the principal amount to be redeemed, plus accrued interest to the redemption date as follows: October 1, 2008 and April 1, 2009 102% October 1, 2009 and April 1, 2010 101% October 1, 2010 and thereafter 100% The annual debt service payments for the bonds are as follows: Fiscal Year Principal Interest Total 2011 $ 345,000 146,053 491,053 2012 360,000 129,486 489,486 2013 375,000 112,213 487,213 2014 400,000 94,000 494,000 2015 420,000 74,730 494,730 2016 435,000 54,638 489,638 2017 460,000 33,606 493,606 2018 485,000 11,398 496,398 Total $3,280,000 656,124 3,936,124 58 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Long -Term Debt, (Continued) Community Development Commission 1999 Tax Allocation Bonds In June 1999, the Commission issued $5,050,000 in Tax Allocation Bonds for the Q Avenue Redevelopment project. The bonds consist of $1,085,000 in serial bonds which mature from 2000 to 2010 in amounts ranging from $45,000 to $125,000, and $1,425,000 in term bonds which mature in 2019, and $2,540,000 in term bonds which mature in 2029. Interest is payable semi-annually on February 1 and August 1, at interest rates ranging from 3.30% to 4.50%. The annual debt service requirements for the 1999 Tax Allocation Bonds outstanding are as follows: Fiscal Year Principal Interest Total 2011 $ 125,000 204,237 329,237 2012 130,000 198,175 328,175 2013 135,000 191,550 326,550 2014 145,000 184,550 329,550 2015 150,000 177,176 327,176 2016 155,000 169,550 324,550 2017 165,000 161,549 326,549 2018 175,000 153,050 328,050 2019 180,000 144,175 324,175 2020 190,000 134,925 324,925 2021 200,000 125,050 325,050 2022 210,000 114,543 324,543 2023 220,000 103,525 323,525 2024 235,000 91,866 326,866 2025 245,000 79,566 324,566 2026 260,000 66,625 326,625 2027 270,000 53,044 323,044 2028 285,000 38,822 323,822 2029 300,000 23,831 323,831 2030 315,000 8,072 323,072 Total $4,090,000 2,423,881 6,513,881 59 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Long -Term Debt, (Continued) Community Development Commission 2004 Tax Allocation Bonds In June 2004, the Commission issued $5,860,000 Tax Allocation Bonds to finance a portion of the cost to construct a fire station, library, and community art center. The bonds consist of $3,045,000 in serial bonds, which mature from 2005-2015 in amounts ranging from $220,000 to $330,000, and $1,085,000 in term bonds, which matures in fiscal year 2033. Interest is paid semi-annually on February 1 and August 1, at interest rates ranging from 1.50% to 5.50%. The annual debt service requirements for the 2004 Tax Allocation Bonds outstanding are as follows: Fiscal Year Principal Interest Total 2011 $ 275,000 214,685 489,685 2012 285,000 204,880 489,880 2013 295,000 194,145 489,145 2014 305,000 182,440 487,440 2015 315,000 169,883 484,883 2016 330,000 156,413 486,413 2017 - 149,440 149,440 2018 - 149,440 149,440 2019 - 149,440 149,440 2020 - 149,440 149,440 2021 - 149,440 149,440 2022 - 149,440 149,440 2023 - 149,440 149,440 2024 - 149,440 149,440 2025 - 149,440 149,440 2026 - 149,440 149,440 2027 345,000 140,775 485,775 2028 360,000 123,150 483,150 2029 380,000 104,650 484,650 2030 400,000 84,150 484,150 2031 420,000 61,600 481,600 2032 445,000 37,813 482,813 2033 465,000 12,788 477,788 Total $4,620,000 3,181,772 7,801,772 60 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Long -Term Debt, (Continued) Community Development Commission 2005 Tax Allocation Bonds In January 2005, the Commission issued 2005 Tax Allocation Bonds Series A & B, in the aggregate principal amount of $27,940,000 and $9,840,000, respectively. The bonds were issued for the purpose of refunding the 2001 Tax Allocation Refunding Bonds Series A & B. Interest on the bonds is payable semiannually on August 1 and February 1, commencing August 1, 2005, at rates ranging from 2.9% to 5.25% per annum. The annual debt service requirements for the 2005 Tax Allocation Bonds outstanding are as follows: Fiscal Year Principal Interest Total 2011 $ 2,125,000 1,324,418 3,449,418 2012 3,060,000 1,233,043 4,293,043 2013 3,200,000 1,095,343 4,295,343 2014 3,345,000 948,143 4,293,143 2015 3,505,000 790,928 4,295,928 2016 3,670,000 622,688 4,292,688 2017 760,000 444,693 1,204,693 2018 790,000 415,813 1,205,813 2019 825,000 385,003 1,210,003 2020 855,000 352,003 1,207,003 2021 890,000 317,803 1,207,803 2022 570,000 277,753 847,753 2023 595,000 253,528 848,528 2024 780,000 227,943 1,007,943 2025 815,000 194,013 1,009,013 2026 855,000 153,263 1,008,263 2027 555,000 110,513 665,513 2028 435,000 81,375 516,375 2029 250,000 58,538 308,538 2030 200,000 45,413 245,413 2031 210,000 34,913 244,913 2032 220,000 23,888 243,888 2033 235,000 12,338 247,338 Total $28,745,000 9,403,356 38,148,356 61 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Long -Term Debt, (Continued) 2003 General Obligation Bonds The City issued $6,000,000 of general obligation bonds, Election of 2002, Series A on April 24, 2003 to provide funds for a new public library. The bonds mature annually through August 1, 2028 in the amounts ranging from $120,000 to $425,000 beginning August 1, 2003. The interest of the bonds is payable semi-annually on each February 1 and August 1, commencing February 1, 2004. The interest rate of the bonds ranges from 3.70% to 6.10%. The bonds are payable solely from and secured by ad valorem taxes of all property subject to taxation by the City. The bonds are subject to optional and mandatory early redemption provisions. The annual debt service payments for the bonds outstanding are as follows: Fiscal Year Principal Interest Total 2011 $ 165,000 234,740 399,740 2012 175,000 224,658 399,658 2013 185,000 213,889 398,889 2014 200,000 204,870 404,870 2015 210,000 197,075 407,075 2016 220,000 188,580 408,580 2017 230,000 179,580 409,580 2018 240,000 170,030 410,030 2019 255,000 159,725 414,725 2020 265,000 148,673 413,673 2021 280,000 136,850 416,850 2022 295,000 124,235 419,235 2023 310,000 110,770 420,770 2024 330,000 96,370 426,370 2025 345,000 81,010 426,010 2026 365,000 64,635 429,635 2027 385,000 47,290 432,290 2028 405,000 29,022 434,022 2029 425,000 9,828 434,828 Total $5,285,000 2,621,830 7,906,830 62 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Long -Term Debt, (Continued) 2003 A HUD 108 Bond The City issued $6,900,000 of HUD 108 Bonds, Series A on August 7, 2003 to provide funds for the construction of a fire station. The bonds mature annually through 2024 in the amount ranging from $170,000 to $635,000 beginning in 2005. The interest of the bonds is payable semi-annually on each February 1 and August 1, commencing February 1, 2004. The annual debt service payments for the bonds outstanding are as follows: Fiscal Year Principal Interest Total 2011 $ 245,000 297,269 542,269 2012 260,000 286,413 546,413 2013 280,000 274,117 554,117 2014 305,000 260,227 565,227 2015 325,000 244,850 569,850 2016 350,000 227,967 577,967 2017 380,000 209,233 589,233 2018 410,000 188,528 598,528 2019 440,000 165,847 605,847 2020 475,000 141,044 616,044 2021 510,000 113,975 623,975 2022 545,000 84,640 629,640 2023 590,000 52,770 642,770 2024 635,000 18,066 653,066 Total $5,750,000 2,564,946 8,314,946 63 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Long -Term Debt, (Continued) Morgan Towers Note Payable The note payable is secured by a deed of trust and is payable to GMAC. The original note was dated March 1, 1978 in the amount of $5,125,000. Payments of principal and interest at 6.5% aggregating $30,005 are made monthly with the final payment due August 1, 2019. The unpaid principal portion of the note at June 30, 2010 was $2,481,662. The note is insured by HUD and is secured by substantially all property and equipment of the Morgan Towers Enterprise Fund. The annual principal payments of the note payable outstanding are as follows: Fiscal Year Principal Interest Total 2011 $ 204,777 155,283 360,060 2012 218,492 141,568 360,060 2013 233,124 126,936 360,060 2014 248,736 111,324 360,060 2015 265,395 94,665 360,060 2016 283,170 76,890 360,060 2017 302,136 57,924 360,060 2018 322,368 37,692 360,060 2019 343,957 16,103 360,060 2020 59,507 503 60,010 Total $2,481,662 818,888 3,300,550 Defeasance of Debt As of June 30, 2010, the outstanding balance of defeased issues are as follows: 2001 Series A Tax Allocation Bonds (Series A & B) 1998 Tax Allocation Bonds $34,105,000 11,930,000 64 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) City Defined Benefit Pension Plan (PERS) The City of National City contributes to the California Public Employees Retirement System (PERS). The miscellaneous employees of the City and the safety employees are part of a single -employer defined benefit pension plan. PERS provides retirement and disability benefits, annual cost of living adjustment, and death benefits to plan members and beneficiaries. PERS acts as a common investment and administrative agent for participating public entities within the State of California. Copies of PERS' annual financial report may be obtained from its executive office at 400 "P" Street, Sacramento, California 95814. Miscellaneous and safety participants are required to contribute 8% and 9%, respectively, of their annual covered salary. The City makes the contributions required of City employees on their behalf and for their account. Benefit provisions and all other requirements are established by state statute and City contract with employee bargaining groups. Under GASB 27, an employer reports an annual pension cost (APC) equal to the annual required contribution (ARC) plus an adjustment for the cumulative difference between the APC and the employer's actual plan contributions for the year. The cumulative difference is called the net pension obligation (NPO). The ARC for the period July 1, 2009 to June 30, 2010 has been determined by an actuarial valuation of the plan as of June 30, 2007. The contribution rate indicated for the period is 28.401% of payroll for the safety plan and 16.397% of payroll for the miscellaneous plan. In order to calculate the dollar value of the ARC for inclusion in the financial statements prepared as of June 30, 2010, the contribution rate is multiplied by the payroll of covered employees that were paid during the period from July 1, 2009 to June 30, 2010. A summary of principle assumptions and methods used to determine the ARC is shown below. City Miscellaneous Employees Group Safety Employees Group Valuation Date June 30, 2007 June 30,2007 Actuarial Cost Method Entry Age Normal Cost Method Entry Age Normal Cost Method Amortization Method Level Percent of Payroll Level Percent of Payroll Average Remaining Period 25Years as of the Valuation Date 32 Years as of the Valuation Date Asset Valuation Method 15 Year Smoothed Market 15 Year Smoothed Market Actuarial Assumptions Investment Rate of Return 7.75% (net of administrative expenses) 7.75% (net of administrative expenses) Projected Salary Increases 3.25% to 14.45% depending on Age, 3.25% to 13.15% depending on Age, Service, and type of employment Service, and type of employment Inflation 3.00% 3.00% Payroll Growth 3.25% 3.25% Individual Salary Growth A merit scale varying by duration of A merit scale varying by duration of employment coupled with an assumed employment coupled with an assumed annual inflation component of 3.00% annual inflation component of 3.00% and an annual production growth of and an annual production growth of 0.25% 0.25% 65 Fiscal Year 6/30/08 6/30/09 6/30/10 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (8) City Defined Benefit Pension Plan (PERS), (Continued) Initial unfunded liabilities are amortized over a closed period that depends on the plan's date of entry into CalPERS. Subsequent plan amendments are amortized as a level percentage of pay over a closed 20-year period. Gains and losses that occur in the operation of the plan are amortized over a rolling 30 year period, which results in an amortization of 6% of unamortized gains and losses each year. If the plan's accrued liability exceeds the actuarial value of plan assets, then the amortization payment on the total unfunded liability may not be lower than the payment calculated over a 30 year amortization period. The Schedule of Funding Progress below shows the recent history of the actuarial value of assets, actuarial accrued liability, their relationship, and the relationship of the unfunded accrued liability to payroll. The schedule of funding progress, presented below presents multiyear information about whether the actuarial value of plan assets is increasing or decreasing over time relative to the actuarial accrued liability for benefits. Required Supplementary Information —City Miscellaneous Employees Group Valuation Date 6/30/07 6/30/08 6/30/09 Entry Age Normal Accrued Liability $70,797,946 75,995058 82,507,216 Required Supplementary Entry Age Normal Accrued Liability Valuation Date 6/30/07 6/30/08 6/30/09 $102,027,654 112,532,571 122,308,588 Actuarial Value of Assets 62,442,682 67,252,370 70,686,597 Information — Actuarial Value of Assets 85,092,163 91,454,242 95,876,636 Unfunded Liability/ (Excess Assets) 8,355,264 8,742,688 11,820,619 Funded Status 88.2% 88.5% 85.7% Safety Employees Group Unfunded Liability/ (Excess Assets) 16,935,491 21,078,329 26,431,952 Funded Status 83.4% 81.3% 78.4% Three -Year Trend Information Annual Pension Cost (Employer Contribution) Percentage of Miscellaneous APC Contributed 2,565,047 100% 1,901,577 100% 1,871,038 100% Safety 3,866,043 3,199,780 3,461,800 Annual Covered Payroll 11,132,479 11,798,468 11,644,870 Annual Covered Payroll 9,431,560 10,600,069 11,268,294 UAAL As a % of Payroll 75.1% 74.5% 101.5% UAAL As a % of Payroll 179.6% 198.9% 234.6% Net Pension Obligation - 0- - 0- - 0- 66 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Other Postemployment Benefit Plan Plan Description: The City administers a single -employer defined benefit plan which provides medical insurance benefits to eligible retirees and their spouses in accordance with various labor agreements. The City has not established a trust that is administered by the City for the purpose of holding assets accumulated for plan benefits. After age 65, Medicare automatically becomes the primary provider of health coverage. The City's defined benefit plan becomes the secondary provider. Eligible retirees will have no noticeable change in health benefits or plan administration; however, there is a reduction in the City's cost of health coverage as the secondary provider. The City's defined benefit plan administrator establishes the cost of secondary provider rates annually. The City will pay 100% for eligible retirees' health coverage. Eligibility: Employees are eligible for retiree health benefits if they retire from the City on or after age 50 with at least 5 years of service, and are eligible for a PERS pension. Membership of the plan consisted of the following at June 30, 2010, the date of the latest actuarial valuation: Retirees and beneficiaries receiving benefits 24 Active plan members 357 Total 381 City's Funding Policy: The contribution requirements of plan members and the City are established and may be amended by City Council. The contribution required to be made under City Council and labor agreement requirements is based on a pay-as-you-go basis (i.e., as medical insurance premiums become due). For fiscal year 2009-10, the City contributed $91,783 to the plan for current premiums. Annual OPEB Cost and Net OPEB Obligation. The City's annual other postemployment benefit (OPEB) cost (expense) is calculated based on the annual required contribution of the employer (ARC), an amount actuarially determined in accordance with the parameters of GASB Statement No. 45. The ARC represents a level of funding that, if paid on an ongoing basis, is projected to cover normal cost each year and amortize any unfunded actuarial liabilities (or funding excess) over a period not to exceed thirty years. The following table shows the components of the City's annual OPEB cost for the year, the amount actually contributed to the plan, and changes in the City's net OPEB obligation for these benefits: 67 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (9) Other Postemployment Benefit Plan, (Continued) Annual required contribution $110,954 Interest on net OPEB obligation Adjustments to annual required contributions Annual OPEB cost (expense) 110,954 Contributions made (including premiums paid) (91,783) Increase in net OPEB obligation 19,171 Net OPEB obligation -beginning of year 34,624 Net OPEB obligation -end of year $ 53,795 The City's annual OPEB cost, the percentage of annual OPEB cost contributed to the plan, and the net OPEB obligation for 2010 and the two preceding years were as follows: Percentage of Annual Net Fiscal Annual OPEB Cost OPEB Year OPEB Cost Contributed Obligation 6/30/08 6/30/09 6/30/10 N/A $110,954 $110,954 N/A 68% 83% N/A $34,624 $53,795 Funded Status and Funding Progress. The funded status of the plan as of June 30, 2010, was as follows: Actuarial accrued liability (AAL) Actuarial value of plan assets Unfunded actuarial accrued liability (UAAL) Funded ratio (actuarial value of plan assets/AAL) Covered payroll (active plan members) UAAL as a percentage of covered payroll $1,058,356 $1,058,356 0.0% 23,196,000 4.6% 68 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) Other Postemployment Benefit Plan, (Continued) 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. Examples include assumptions about future employment, mortality, and the healthcare cost trend. 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 compared 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, presents multi -year trend information about whether the actuarial value of plan assets is increasing or decreasing over time relative to the actuarial accrued liabilities for the benefits. Actuarial Methods and Assumptions. Projections of benefits for financial reporting purposes are based on the substantive plan (the plan as understood by the employer and the plan members) and include the types of benefits provided at the time of each valuation and the historical pattern of sharing of benefit costs between employer and plan members to that point. The actuarial methods and assumptions used include techniques that are designed to reduce the effects of short-term volatility in actuarial accrued liabilities and the actuarial assets, consistent with the long-term perspective of the calculations. The actuarial cost method used for determining the benefit obligations is the Frozen Entry Age Actuarial Cost Method. The actuarial assumptions included a 5% percent investment rate of return, which is the assumed rate of the expected long-term investment returns on plan assets calculated based on the funded level of the plan at the valuation date. The UAAL is being amortized as a level percentage of projected payroll over 20 years. It is assumed the City's payroll will increase 3.25% per year. SCHEDULE OF FUNDING PROGRESS Actuarial UAAL as a Accrued Unfunded Percentage of Actuarial Actuarial Liability AAL Funded Covered Covered Valuation Value of (AAL)-Entry (UAAL) Ratio Payroll Payroll Date Assets (a) Age (b) (b-a) (a/b) (c) (a-b)/c) 7/01/08 $ $1,058,356 $1,058,356 0% $22,466,000 0.3% 69 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (10) Commitments and Contingencies A. Lawsuits in the Normal Course of Business The City is presently involved in certain matters of litigation that have arisen in the normal course of conducting City business. City management believes, based upon consultation with the City Attorney, that these cases, in the aggregate, are not expected to result in a material adverse financial impact on the City. Additionally, City management believes that the City's insurance programs are sufficient to cover any potential losses should an unfavorable outcome materialize. B. Federal and State Grant Programs The City participates in several federal and state grant programs. These programs have been audited by the City's independent auditors in accordance with the provisions of the federal Single Audit Act, as amended and applicable state requirements. No cost disallowances were proposed as a result of these audits. However, these programs are still subject to further examination by the grantors and the amount, if any, of expenditures which may be disallowed by the granting agencies cannot be determined at this time. (11) Pledged Revenues The City and its component units have a number of debt issuances outstanding that are collateralized by the pledging of certain revenues. The amount and term of the remainder of these commitments are indicated in the debt service to maturity tables presented in the accompanying notes. The purposes for which the proceeds of the related debt issuances were utilized are disclosed in the debt descriptions in the accompanying notes. For the current year, debt service payments as a percentage of the pledged gross revenue (or net of certain expenses where so required by the debt agreement) are indicated in the table below. These percentages also approximate the relationship of debt service to pledged revenue for the remainder of the term of the commitment: Description of Pledged Revenue Tax increment revenues Annual Amount of Pledged Revenue (net of expenses, where required) $11,184,289 Annual Debt Service Payments (of all debt secured by this revenue) Debt Service as a Percentage of Pledged Revenue 4,021,382 36% 70 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (12) Prior Period Adjustments The accompanying financial statements include adjustments that resulted in the restatements of beginning fund balances/net assets. The following summarizes the effect of the prior period adjustments to beginning fund balance net assets as of July 1, 2009: Other Capital Special Project Revenue Fund Special Total Redevelopment Revenue Governmental Fund Fund Funds Fund balance — beginning of year, as previously reported $16,213,769 14,023,465 84,318,773 To recognize revenues earned in prior year previously deferred 835,000 835,000 To adjust land held for resale for transactions not recorded in prior years (427,350) (427,350) Fund balance — beginning of year, as restated $17,048,769 13,596,115 84,726,423 The following summarizes the effect of the prior period adjustments to beginning fund balance net assets as of July 1, 2009: Net assets — beginning of year, as previously reported To record notes receivable previously unrecorded in prior years Government - Wide Statement of Net Assets $155,382,933 9,975,342 Net assets — beginning of year, as restated $165,358,275 71 CITY OF NATIONAL CITY Notes to the Basic Financial Statements (Continued) (13) Accumulated Fund Deficits The following funds had fund deficits at June 30, 2010: Library Special Revenue Fund $(172,139) Parks Maintenance Special Revenue Fund (40,941) STP/Local Transnet Highway Special Revenue Fund (333,206) Traffic Congestion Relief Special Revenue Fund (61,537) The City is in the process of identifying a repayment method of the funds noted. The deficit fund balances will remain on the books until an agreed upon method is approved by the City Council of the City of National City. (14) Expenditures in Excess of Appropriations The following funds reported excess of expenditures over appropriations for the year ended June 30, 2010: Variance with Final Final Budget Fund Budget Actual Positive (Negative) Section 8 Housing Assistance Special Revenue Fund $9,268,420 9,418,147 (149,727) Joint Powers Financing Authority Debt Service Fund 486,798 486,807 (9) Library Bond Debt Service Fund 399,500 402,578 (3,078) 72 CITY OF NATIONAL CITY Notes to Required Supplementary Information For the Year Ended June 30, 2010 (1) Budgetary Information Annual budgets are adopted for the general, special revenue, debt service, and capital projects funds. All unencumbered appropriations lapse at the end of the fiscal year. Encumbered appropriations are carried forward in the subsequent fiscal year. The City Manager is authorized to transfer budgeted amounts within a fund. However, any revisions that increase the total budget of any fund must be approved by the City Council. All necessary supplemental appropriations were adopted by the City Council and are included in the reported data. For the fiscal year ended June 30, 2010, supplemental appropriations requiring City Council approval were insignificant. The legal level of control for appropriations is exercised at the fund level. 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 honored during the subsequent year. The following is the budget comparison schedules for the General Fund and all major special revenue funds. (2) Required Disclosures The following funds reported excess of expenditures over appropriations for the year ended June 30, 2010: Fund Section 8 Housing Assistance Special Revenue Fund Final Budget Actual $9,268,420 9,418,147 Variance with Final Budget Positive (Negative) (149,727) 73 CITY OF NATIONAL CITY General Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Revenues: Taxes Licenses and permits Fines and forfeitures Interest and rents Intergovernmental Charges for services Other revenues Total revenues Expenditures: Current: General government Public safety Transportation Culture and leisure Capital outlay Debt service: Principal Interest and fiscal charges 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 balance, beginning of year Fund balance, end of year Budget Amounts Original Final $ 28,470,135 417,732 1,028,258 697,100 576,400 441,280 255,113 Actual Amounts 28,470,135 29,007,351 417,732 551,517 1,028,258 1,219,418 697,100 432,226 576,400 571,308 441,280 482,975 255,113 593,968 31,886,018 31,886,018 32,858,763 Variance with Final Budget Positive (Negative) 537,216 133,785 191,160 (264,874) (5,092) 41,695 338,855 972,745 5,164,879 5,164,879 4,578,197 586,682 29,044,391 29,044,391 28,402,451 641,940 1,887,479 1,887,479 1,777,073 110,406 1,950,722 1,950,722 1,828,785 121,937 1,086,606 1,086,606 301,404 785,202 224,372 224,372 261,174 (36,802) 69,780 69,780 23,962 45,818 39,428,229 39,428,229 37,173,046 2,255,183 (7,542,211) (7,542,211) (4,314,283) 3,227,928 3,132,428 (5,548,267) 3,132,428 3,047,887 (5,548,267) (5,348,267) (2,415,839) (2,415,839) (2,300,380) (84,541) 200,000 115,459 (9,958,050) (9,958,050) (6,614,663) 3,343,387 18,440,688 18,440,688 18,440,688 $ 8,482,638 8,482,638 11,826,025 3,343,387 74 CITY OF NATIONAL CITY Section 8 Housing Assistance Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Intergovernmental $ 7,459,000 8,659,000 9,704,442 1,045,442 Other revenues - - 75 75 Total revenues Expenditures: Current: Community development Total expenditures Excess (deficiency) of revenues over (under) expenditures 7,459,000 8,659,000 8,696,220 9,268,420 8,696,220 9,268,420 9,704,517 1,045,517 9,418,147 (149,727) 9,418,147 (149,727) (1,237,220) (609,420) 286,370 895,790 Other financing sources (uses): Transfers in 1,215,884 1,215,884 608,152 (607,732) Total other financing sources (uses) 1,215,884 1,215,884 608,152 (607,732) Net change in fund balances (21,336) 606,464 894,522 288,058 Fund balance, beginning of year 184,513 184,513 184,513 Fund balance, end of year $ 163,177 790,977 1,079,035 288,058 75 CITY OF NATIONAL CITY Other Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Revenues: Licenses and permits Fines and forfeitures Interest and rents Intergovernmental Charges for services Other revenues Total revenues Expenditures: Current: General government Public safety Community development Health Culture and leisure Capital outlay Total expenditures Excess (deficiency) of revenues over (under) expenditures Other financing sources: Transfers in Transfers out Total other financing sources Net change in fund balances Fund balance, beginning of year Fund balance, end of year Budget Amounts Original Final $ 12,594 95,327 8,500 6,631,508 1,063,900 503,304 8,315,133 2,403,186 4,073,885 447,263 218,902 1,820,815 3,949,533 12,913,584 (4,598,451) 2,047,464 (1,202,297) 845,167 (3,753,284) Actual Amounts 12,594 4,200 95,327 92,560 8,500 28,087 6,631,508 5,946,896 1,063,900 1,439,267 503,304 602,980 8,315,133 8,113,990 2,403,186 4,073,885 447,263 218,902 1,820,815 3,949,533 1,853,392 2,274,135 216,964 128,004 1,645,287 15,838 12,913,584 6,133,620 (4,598,451) 1,980,370 2,047,464 2,047,464 Variance with Final Budget Positive (Negative) (8,394) (2,767) 19,587 (684,612) 375,367 99,676 (201,143) 549,794 1,799,750 230,299 90,898 175,528 3,933,695 6,779,964 6,578,821 (1,202,297) (1,117,756) 84,541 845,167 929,708 84,541 (3,753,284) 2,910,078 6,663,362 6,570,859 6,570,859 6,570,859 $ 2,817,575 2,817,575 9,480,937 6,663,362 76 CITY OF NATIONAL CITY Nutrition Program Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Intergovernmental $ 292,691 292,691 338,373 45,682 Other revenues 184,718 184,718 206,036 21,318 Total revenues 477,409 477,409 544,409 67,000 Expenditures: Current: Community development 806,374 806,374 791,032 15,342 Total expenditures 806,374 806,374 791,032 15,342 Excess (deficiency) of revenues over (under) expenditures (328,965) (328,965) (246,623) 82,342 Other financing sources: Transfers in 1,916,103 1,916,103 1,716,103 (200,000) Total other financing sources 1,916,103 1,916,103 1,716,103 (200,000) Net change in fund balances 1,587,138 1,587,138 1,469,480 (117,658) Fund balance (deficit), beginning of year (1,385,563) (1,385,563) (1,385,563) Fund balance (deficit), end of year $ 201,575 201,575 83,917 (117,658) 77 CITY OF NATIONAL CITY Sewer Service Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual Revenues: Interest and rents Charges for services Other revenues Total revenues Expenditures: Current: Health For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) $ - 196,696 196,696 7,141,800 7,141,800 7,120,640 (21,160) - 1,265,131 1,265,131 7,141,800 7,141,800 13,530,033 13,530,033 8,582,467 1,440,667 7,633,903 5,896,130 Total expenditures 13,530,033 13,530,033 7,633,903 5,896,130 Net change in fund balances (6,388,233) (6,388,233) 948,564 7,336,797 Fund balance, beginning of year 15,125,094 15,125,094 15,125,094 Fund balance, end of year $ 8,736,861 8,736,861 16,073,658 7,336,797 78 CITY OF NATIONAL CITY Low and Moderate Income Housing Program Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Taxes $ 2,808,046 2,808,046 2,796,072 (11,974) Interest and rents - - 264,663 264,663 Other revenues 200,000 200,000 - (200,000) Total revenues 3,008,046 3,008,046 3,060,735 52,689 Expenditures: Current: Community development 878,132 878,132 670,912 207,220 Total expenditures Excess (deficiency) of revenues over (under) expenditures 878,132 878,132 670,912 207,220 2,129,914 2,129,914 2,389,823 259,909 Other financing sources (uses): Transfers in - - 927,881 927,881 Transfers out (2,042,002) (2,042,002) (1,434,245) 607,757 Total other financing sources (uses) (2,042,002) (2,042,002) (506,364) 1,535,638 Net change in fund balances 87,912 87,912 1,883,459 1,795,547 Fund balance, beginning of year 10,991,134 10,991,134 10,991,134 Fund balance, end of year $ 11,079,046 11,079,046 12,874,593 1,795,547 79 (This page intentionally left blank) 80 NON -MAJOR GOVERNMENTAL FUNDS SPECIAL REVENUE FUNDS: General Capital Outlay Fund This fund is used to account for funds set aside from the proceeds of sale of and rental from surplus real property for the City's five-year capital improvement program. Library Fund This fund is used to account for the operation of the National City Library. Parks Maintenance Fund This fund is used to account for operating and maintaining the City's parks. Library Capital Outlay Fund This fund is used to account for revenues from real property transfer taxes set aside to finance capital outlay and capital improvement expenditures of the National City Library. Gas Tax Fund This fund is used to account for the City's share of state gas tax revenue restricted for street improvement and maintenance. Parks and Recreation Capital Outlay Fund This fund is used to account for revenues from dwelling fees set aside for capital improvement expenditures of the Parks and Recreation Department. Community Development Block Grant Fund This fund is used to account for federal funds received from the U.S. Department of Housing and Urban Development — Community Development Block Program. HUD Program Income Fund This fund is used to provide for the funding of CDBG program activities as approved by the City Council utilizing HUD program income. Home Program Fund This fund is used to account for federal funds received from the U.S. Department of Housing and Urban Development Home Program. Asset Forfeiture Fund This fund is used to account for the receipt and expenditure of funds provided by the federal government's asset seizure fund to be used exclusively for law enforcement purposes. 81 NON -MAJOR GOVERNMENTAL FUNDS, (CONTINUED) DEBT SERVICE FUND: National City Joint Powers Financing Authority Fund This fund is used to account for funds maintained by the trustee bank solely for the purpose of paying, when due and payable, the principal of or interest on the lease revenue bonds and lease revenue refunding bonds issued by the National City Joint Powers Financing Authority. Library Bond Debt Service Fund This fund is used to account for debt service of the Library. CAPITAL PROTECTS FUNDS: Library Construction Project Capital Projects Fund This fund is used to account for activities of the library construction. Proposition "A" Capital Projects Fund This fund is used to account for the City's allocation of the 2% transactions and use tax imposed by Proposition "A" (San Diego Transportation Improvement Program Ordinance) passed by the voters in San Diego County in November 1987. STP Local/TransNet Highway Fund This fund is used to account for funds received from the San Diego Association of Governments ("SANDAG") for TransNet projects. State -Local Partnership Fund This fund is used to account for the receipt and expenditures of funds provided by the State under the State -Local Transportation Partnership Program. Traffic Congestion Relief Fund This fund is used for the maintenance, rehabilitation and reconstruction of transportation related to Capital Projects; specifically pertaining to local streets and roads. Fire Construction Project Capital Projects Fund This fund is used to account for activities for fire department construction. 82 CITY OF NATIONAL CITY Nonmajor Governmental Funds Combining Balance Sheet June 30, 2010 Special Revenue Funds General Library Park and Capital Parks Capital Recreation Outlay Library Maintenance Outlay Gas Tax Capital Outlay ASSETS Cash and investments $ 1,023,418 - 749,192 623,444 1,279,815 Restricted cash and investments with fiscal agent - - - - - Accounts receivable - 976 1,138 7,921 402 Property tax receivable - - - - - Interest receivable - - - 1,056 - Due from other funds - - - - - Due from other governmental entities - - - 98,491 Land held for resale - - - - - Contracts, notes and loans receivable - - - - - Total assets LIABILITIES AND FUND BALANCES Liabilities: Accounts payable Salaries payable Due to other funds Deferred revenue Advances from other funds Total liabilities Fund balances: Reserved: Encumbrances Land held for resale Contracts, loans, notes receivable Debt service $ 1,023,418 976 1,138 757,113 722,991 1,280,217 20,791 3,322 4,995 - 5,977 30,391 19,773 - 872 139,402 17,311 173,115 42,079 - 6,849 - - 11,289 7,065 Total reserved 20,791 - - 11,289 7,065 Unreserved, designated: Continuing appropriations 1,000,736 - - 592,841 662,016 Total reserved, designated 1,000,736 - - 592,841 662,016 Unreserved, undesignated: Special revenue funds Capital projects funds Total fund balances (deficits) 1,891 (172,139) (40,941) 757,113 112,012 611,136 1,023,418 (172,139) (40,941) 757,113 716,142 1,280,217 Total liabilities and fund balances $ 1,023,418 976 1,138 757,113 722,991 1,280,217 83 Special Revenue Funds Debt Service Community HUD Joint Powers Development Program HOME Asset Financing Library Block Grant Income Program Forfeiture Authority Bonds - 415,510 2,160,158 548,512 1 739,568 - 1,094,028 - - - 290,563 - - - - - - 323 - 2,705 3,635 1,002 - - - 124,561 - - - 582,390 145,311 - - - 875,000 - - - 223,349 2,797,102 - 872,953 1,860,153 5,981,206 549,514 1 739,891 339,343 57,021 115,768 1,525 - - 2,416 1,999 - - 146,909 - - - 108,737 1,647,039 - - 597,405 57,021 1,764,806 1,525 16,896 25,157 - - - 875,000 - 223,349 2,797,102 - 1,094,028 - 16,896 1,342,534 3,672,102 1 739,891 1 739,891 479,318 500,000 18,028 - 479,318 500,000 18,028 - (220,666) 460,598 44,298 529,961 - 275,548 1,803,132 4,216,400 547,989 1 739,891 872,953 1,860,153 5,981,206 549,514 1 739,891 (Continued) 84 CITY OF NATIONAL CITY Nonmajor Governmental Funds Combining Balance Sheet, Continued June 30, 2010 Capital Projects Funds Library STP Local/ State- Traffic Fire Total Other Constuction TransNet Local Congestion Construction Governmental Bonds Proposition A Highway Partnership Relief Project Funds ASSETS Cash and investments $ 137,770 2,091,851 122,344 - 18,116 9,909,699 Restricted cash and investments with fiscal agent - - - 1,094,028 Accounts receivable - - - 301,000 Property tax receivable - - - 323 Interest receivable 250 3,809 223 - - 12,680 Due from other funds - - - 124,561 Due from other governmental entities - 2,597 144,747 - 973,536 Land held for resale - - - 875,000 Contracts, notes and loans receivable - - - 3,020,451 Total assets $ 138,020 2,095,660 2,597 122,567 144,747 18,116 16,311,278 LIABILITIES AND FUND BALANCES Liabilities: Accounts payable $ - 8,585 22,421 - - 558,957 Salaries payable - 5,141 - - - 60,592 Due to other funds - 313,382 206,284 - 823,288 Deferred revenue - 95,493 - - 1,851,269 Advances from other funds - 760,034 - - 760,034 Total liabilities 773,760 335,803 95,493 206,284 - 4,054,140 Fund balances: Reserved: Encumbrances - 40,529 17,431 - - 139,158 Land held for resale - - - 875,000 Contracts, loans, notes receivable - - - 3,020,451 Debt service - - - 1,833,920 Total reserved 40,529 17,431 - - 5,868,529 Unreserved, designated: Continuing appropriations - 2,341,887 87,638 2,035 - 5,684,499 Total reserved, designated - 2,341,887 87,638 2,035 - 5,684,499 Unreserved, undesignated: Special revenue funds - - - 2,083,263 Capital projects funds 138,020 (1,060,516) (438,275) 27,074 (63,572) 18,116 (1,379,153) Total fund balances 138,020 1,321,900 (333,206) 27,074 (61,537) 18,116 12,257,138 Total liabilities and fund balances $ 138,020 2,095,660 2,597 122,567 144,747 18,116 16,311,278 85 (This page intentionally left blank) 86 CITY OF NATIONAL CITY Nonmajor Governmental Funds Combining Statement of Revenues, Expenditures and Changes in Fund Balances For the Year Ended June 30, 2010 Special Revenue Funds General Library Park and Capital Parks Capital Recreation Outlay Library Maintenance Outlay Gas Tax Capital Outlay Revenues: Taxes $ 632,544 737,075 78,480 Fines and forfeitures Interest and rents 5,904 228,093 Intergovernmental 6,172 7,194 1,097,704 Charges for services 21,316 Other revenues Total revenues 638,716 744,269 99,796 1,103,608 228,093 Expenditures: Current: General government Public safety Transportation Community development Culture and leisure Capital outlay Debt service: Principal Interest and fiscal charges Total expenditures Excess (deficiency) of revenues over (under) expenditures Other financing sources (uses): Transfers in Transfers out 4,209 1,555,436 1,054,431 341,252 20,868 19,607 4,209 1,555,436 1,054,431 20,868 341,252 19,607 (4,209) (916,720) (310,162) 78,928 762,356 208,486 688,326 236,181 (700,000) Total other financing sources (uses) 688,326 236,181 (700,000) Net change in fund balances (4,209) (228,394) (73,981) 78,928 62,356 208,486 Fund balances, beginning of year, as restated 1,027,627 56,255 33,040 678,185 653,786 1,071,731 Fund balances (deficits), end of year $ 1,023,418 (172,139) (40,941) 757,113 716,142 1,280,217 87 Special Revenue Funds Debt Service Community HUD Joint Powers Development Program HOME Asset Financing Library Block Grant Income Program Forfeiture Authority Bonds - - 142,350 - - 18,565 79,788 3,461 11 817,696 631,387 - 486,796 817,696 396 - - - 428,459 18,961 711,175 82,401 - 218,991 86,924 285,128 76,676 - 253,729 - 145,811 486,807 428,459 - - 3,078 38,887 - 225,000 - - 325,000 155,000 170,776 137,786 - - 161,807 244,500 1,027,573 (209,877) 224,710 285,128 (205,749) 426,047 522,489 - (1,256,501) 522,489 (1,256,501) 38,887 486,807 402,578 106,924 - 25,881 312,612 (1,462,250) 426,047 106,924 - 25,881 (37,064) 3,265,382 3,790,353 441,065 1 714,010 275,548 1,803,132 4,216,400 547,989 1 739,891 (Continued) 88 CITY OF NATIONAL CITY Nonmajor Governmental Funds Combining Statement of Revenues, Expenditures and Changes in Fund Balances, Continued Revenues: Taxes Fines and forfeitures Interest and rents Intergovernmental Charges for services Other revenues Total revenues Expenditures: Current: General government Public safety Transportation Community development Culture and leisure Capital outlay Debt service: Principal Interest and fiscal charges Total expenditures Excess (deficiency) of revenues over (under) expenditures Other financing sources (uses): Transfers in Transfers out For the Year ended June 30, 2010 Capital Projects Funds Library STP Local/ State- Traffic Fire Total Other Construction TransNet Local Congestion Construction Governmental Bonds Proposition A Highway Partnership Relief Project Funds $ - - - 1,448,099 - - - 142,350 2,623 14,407 1,440 - 2,933 357,225 14,656 1,500,000 403,547 514,332 5,479,484 - - - 21,316 - - - 428,855 17,279 1,514,407 403,547 1,440 514,332 2,933 7,877,329 1,844,119 500,597 506,599 85,479 38,887 341,252 591,043 2,686,543 3,149,728 705,000 714,869 1,844,119 500,597 506,599 8,312,801 17,279 (329,712) (97,050) 1,440 7,733 2,933 (435,472) 1,446,996 (394,000) (2,350,501) Total other financing sources (uses) - - - (394,000) (903,505) Net change in fund balances 17,279 (329,712) (97,050) 1,440 7,733 (391,067) (1,338,977) Fund balances, beginning of year, as restated 120,741 1,651,612 (236,156) 25,634 (69,270) 409,183 13,596,115 Fund balances (deficits), end of year $ 138,020 1,321,900 (333,206) 27,074 (61,537) 18,116 12,257,138 89 CITY OF NATIONAL CITY General Capital Outlay Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Expenditures: Capital outlay $ 1,019,945 1,019,945 4,209 1,015,736 Total expenditures 1,019,945 1,019,945 4,209 1,015,736 Net change in fund balances (1,019,945) (1,019,945) (4,209) 1,015,736 Fund balance, beginning of year 1,027,627 1,027,627 1,027,627 Fund balance, end of year $ 7,682 7,682 1,023,418 1,015,736 90 CITY OF NATIONAL CITY Library Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Taxes $ 648,300 648,300 632,544 (15,756) Intergovernmental 6,600 6,600 6,172 (428) Total revenues 654,900 654,900 638,716 (16,184) Expenditures: Current: Culture and leisure 1,671,465 1,671,465 1,555,436 116,029 Total expenditures 1,671,465 1,671,465 1,555,436 116,029 Excess (deficiency) of revenues over (under) expenditures (1,016,565) (1,016,565) (916,720) 99,845 Other financing sources (uses): Transfers in 688,326 688,326 688,326 Total other financing sources (uses) 688,326 688,326 688,326 Net change in fund balances (328,239) (328,239) (228,394) 99,845 Fund balance, beginning of year 56,255 56,255 56,255 Fund balance (deficit), end of year $ (271,984) (271,984) (172,139) 99,845 91 CITY OF NATIONAL CITY Parks Maintenance Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Taxes $ 755,379 755,379 737,075 (18,304) Intergovernmental 7,700 7,700 7,194 (506) Total revenues 763,079 763,079 744,269 (18,810) Expenditures: Current: Culture and leisure 1,104,229 1,104,229 1,054,431 49,798 Total expenditures 1,104,229 1,104,229 1,054,431 49,798 Excess (deficiency) of revenues over (under) expenditures (341,150) (341,150) (310,162) 30,988 Other financing sources: Transfers in 236,181 236,181 236,181 Total other financing sources 236,181 236,181 236,181 Net change in fund balances (104,969) (104,969) (73,981) 30,988 Fund balance, beginning of year 33,040 33,040 33,040 Fund balance (deficit), end of year $ (71,929) (71,929) (40,941) 30,988 92 CITY OF NATIONAL CITY Library Capital Outlay Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Taxes $ 84,052 84,052 78,480 (5,572) Charges for services 18,200 18,200 21,316 3,116 Total revenues Expenditures: Capital outlay Total expenditures Net change in fund balances Fund balance, beginning of year Fund balance, end of year 102,252 102,252 99,796 (2,456) 98,700 98,700 98,700 98,700 3,552 3,552 678,185 20,868 77,832 20,868 77,832 78,928 75,376 678,185 678,185 $ 681,737 681,737 757,113 75,376 93 CITY OF NATIONAL CITY Gas Tax Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual Revenues: Interest and rents Intergovernmental Total revenues Expenditures: Current: Transportation Total expenditures Excess (deficiency) of revenues over (under) expenditures For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) $ 26,200 26,200 5,904 (20,296) 1,032,500 1,032,500 1,097,704 65,204 1,058,700 1,058,700 1,103,608 44,908 943,484 943,484 341,252 602,232 943,484 943,484 341,252 602,232 115,216 115,216 762,356 647,140 Other financing sources (uses): Transfers out (700,000) (700,000) (700,000) Total other financing sources (uses) (700,000) (700,000) (700,000) Net change in fund balances (584,784) (584,784) 62,356 647,140 Fund balance, beginning of year 653,786 653,786 653,786 Fund balance, end of year $ 69,002 69,002 716,142 647,140 94 CITY OF NATIONAL CITY Park and Recreation Capital Outlay Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Interest and rents $ 248,000 248,000 228,093 (19,907) Total revenues 248,000 248,000 228,093 (19,907) Expenditures: Current: Capital outlay 682,988 682,988 19,607 663,381 Total expenditures 682,988 682,988 19,607 663,381 Net change in fund balances (434,988) (434,988) 208,486 643,474 Fund balance, beginning of year 1,071,731 1,071,731 1,071,731 Fund balance, end of year $ 636,743 636,743 1,280,217 643,474 95 CITY OF NATIONAL CITY Community Development Block Grant Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual Revenues: Intergovernmental Total revenues For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) $ 1,107,495 1,107,495 817,696 (289,799) 1,107,495 1,107,495 817,696 (289,799) Expenditures: Current: General government 82,037 82,037 82,401 (364) Community development 239,492 239,492 218,991 20,501 Culture and leisure 83,130 83,130 76,676 6,454 Capital outlay 863,439 863,439 253,729 609,710 Debt service: Principal - - 225,000 (225,000) Interest and fiscal charges 1,776 1,776 170,776 (169,000) Total expenditures 1,269,874 1,269,874 1,027,573 242,301 Excess (deficiency) of revenues over (under) expenditures (162,379) (162,379) (209,877) (47,498) Other financing sources (uses): Transfers in - - 522,489 522,489 Transfers out (241,334) (241,334) - 241,334 Total other financing sources (uses) (241,334) (241,334) 522,489 763,823 Net change in fund balances (403,713) (403,713) 312,612 716,325 Fund balance (deficit), beginning of year (37,064) (37,064) (37,064) Fund balance (deficit), end of year $ (440,777) (440,777) 275,548 716,325 96 CITY OF NATIONAL CITY HUD Program Income Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Interest and rents $ - 18,565 18,565 Other revenues - 396 396 Total revenues 18,961 18,961 Expenditures: Current: General government 33,937 33,937 - 33,937 Community development 1,031,883 1,031,883 86,924 944,959 Culture and leisure 19,256 19,256 - 19,256 Capital outlay 54,290 54,290 - 54,290 Debt service: Principal 795,067 795,067 - 795,067 Interest and fiscal charges 1,036,650 1,036,650 137,786 898,864 Total expenditures Excess (deficiency) of revenues over (under) expenditures 2,971,083 2,971,083 224,710 2,746,373 (2,971,083) (2,971,083) (205,749) 2,765,334 Other financing sources (uses): Transfers out (328,620) (328,620) (1,256,501) (927,881) Total other financing sources (uses) (328,620) (328,620) (1,256,501) (927,881) Net change in fund balances (3,299,703) (3,299,703) (1,462,250) 1,837,453 Fund balance, beginning of year 3,265,382 3,265,382 3,265,382 Fund balance (deficit) , end of year $ (34,321) (34,321) 1,803,132 1,837,453 97 CITY OF NATIONAL CITY HOME Program Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Interest and rents $ - - 79,788 79,788 Intergovernmental 1,201,730 1,201,730 631,387 (570,343) Total revenues 1,201,730 1,201,730 711,175 (490,555) Expenditures: Current: Community development 1,099,882 1,099,882 285,128 814,754 Total expenditures 1,099,882 1,099,882 285,128 814,754 Net change in fund balances 101,848 101,848 426,047 324,199 Fund balance, beginning of year, as restated 3,790,353 3,790,353 3,790,353 Fund balance, end of year $ 3,892,201 3,892,201 4,216,400 324,199 98 CITY OF NATIONAL CITY Asset Forfeiture Special Revenue Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Fines and forfeitures $ 119,058 119,058 142,350 23,292 Interest and rents 15,400 15,400 3,461 (11,939) Total revenues Expenditures: Current: Public safety 134,458 134,458 145,811 11,353 44,865 44,865 38,887 5,978 Total expenditures 44,865 44,865 38,887 5,978 Net change in fund balances 89,593 89,593 106,924 17,331 Fund balance, beginning of year 441,065 441,065 441,065 Fund balance, end of year $ 530,658 530,658 547,989 17,331 99 CITY OF NATIONAL CITY Joint Powers Financing Authority Debt Service Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual Revenues: Interest and rents Intergovernmental Total revenues For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) $ 490,656 490,656 490,656 490,656 11 486,796 11 (3,860) 486,807 (3,849) Expenditures: Debt service Principal 325,000 325,000 325,000 Interest and fiscal charges 161,798 161,798 161,807 (9) Total expenditures 486,798 486,798 486,807 (9) Net change in fund balances 3,858 3,858 - (3,858) Fund balance, beginning of year 1 1 1 - Fund balance, end of year $ 3,859 3,859 1 (3,858) 100 CITY OF NATIONAL CITY Library Bond Debt Service Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Other revenues $ 488,900 488,900 428,459 (60,441) Total revenues 488,900 488,900 428,459 (60,441) Expenditures: Current: General government - 3,078 (3,078) Debt service Principal 155,000 155,000 155,000 Interest and fiscal charges 244,500 244,500 244,500 Total expenditures 399,500 399,500 402,578 (3,078) Net change in fund balances 89,400 89,400 25,881 (63,519) Fund balance, beginning of year 714,010 714,010 714,010 - Fund balance, end of year $ 803,410 803,410 739,891 (63,519) 101 CITY OF NATIONAL CITY Library Construction Capital Projects Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Interest and rents $ 3,200 3,200 2,623 (577) Intergovernmental - - 14,656 14,656 Total revenues 3,200 3,200 17,279 14,079 Expenditures: Capital outlay Total expenditures - - - Net change in fund balances 3,200 3,200 17,279 14,079 Fund balance, beginning of year 120,741 120,741 120,741 Fund balance, end of year $ 123,941 123,941 138,020 14,079 102 CITY OF NATIONAL CITY Proposition A Capital Projects Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Interest and rents $ 72,511 72,511 14,407 (58,104) Intergovernmental 924,000 924,000 1,500,000 576,000 Total revenues 996,511 996,511 1,514,407 517,896 Expenditures: Capital outlay 4,490,643 4,490,643 1,844,119 2,646,524 Total expenditures 4,490,643 4,490,643 1,844,119 2,646,524 Net change in fund balances (3,494,132) (3,494,132) (329,712) 3,164,420 Fund balance, beginning of year 1,651,612 1,651,612 1,651,612 Fund balance, end of year $ (1,842,520) (1,842,520) 1,321,900 3,164,420 103 CITY OF NATIONAL CITY STP Local/TransNet Highway Capital Projects Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Interest and rents $ 20,852 20,852 - (20,852) Intergovernmental - 403,547 403,547 Total revenues 20,852 20,852 403,547 382,695 Expenditures: Capital outlay 599,742 599,742 500,597 99,145 Total expenditures 599,742 599,742 500,597 99,145 Net change in fund balances (578,890) (578,890) (97,050) 481,840 Fund balance (deficit), beginning of year (236,156) (236,156) (236,156) - Fund balance (deficit), end of year $ (815,046) (815,046) (333,206) 481,840 104 CITY OF NATIONAL CITY State - Local Partnership Capital Projects Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Interest and rents $ 2,671 2,671 1,440 (1,231) Total revenues 2,671 2,671 1,440 (1,231) Net change in fund balances 2,671 2,671 1,440 (1,231) Fund balance, beginning of year 25,634 25,634 25,634 - Fund balance, end of year $ 28,305 28,305 27,074 (1,231) 105 CITY OF NATIONAL CITY Traffic Congestion Relief Capital Projects Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Intergovernmental $ 578,823 578,823 514,332 (64,491) Total revenues 578,823 578,823 514,332 (64,491) Expenditures: Current: Capital outlay 508,634 508,634 506,599 2,035 Total expenditures 508,634 508,634 506,599 2,035 Net change in fund balances 70,189 70,189 7,733 (62,456) Fund balance (deficit), beginning of year (69,270) (69,270) (69,270) Fund balance (deficit), end of year $ 919 919 (61,537) (62,456) 106 CITY OF NATIONAL CITY Fire Construction Capital Projects Fund Schedule of Revenue, Expenditures and Changes in Fund Balance - Budget and Actual For the Year Ended June 30, 2010 Variance with Final Budget Budget Amounts Actual Positive Original Final Amounts (Negative) Revenues: Interest and rents $ - 2,933 2,933 Total revenues Expenditures: Capital outlay Total expenditures Excess (deficiency) of revenues over (under) expenditures Other financing sources (uses): Transfers out Total other financing sources (uses) 2,933 2,933 2,933 2,933 (394,000) 394,000 (394,000) 394,000 Net change in fund balances - (391,067) 396,933 Fund balance, beginning of year 409,183 409,183 409,183 Fund balance, end of year $ 409,183 409,183 18,116 396,933 107 INTERNAL SERVICE FUNDS Facilities Maintenance Fund This fund is used to account for the costs of maintaining all City -owned buildings in a clean, safe, workable, and pleasant condition. Liability Insurance Fund This fund is used to account for the costs of maintaining the City's workers' compensation and liability insurance programs. General Services Fund This fund is used to account for the costs of maintaining the City's centralized procurement system providing supplies, equipment, and certain services for all City departments. Information Systems Maintenance Fund This fund is used to account for the costs of maintaining the City's computer -related information systems. Office Equipment Depreciation Fund This fund is used to account for the costs to replace City office equipment. Telecommunications Revolving Fund This fund is used to account for the costs of maintaining the City's telecommunications system. General Accounting Services Fund This fund is used to account for the costs of general accounting services. Motor Vehicle Services Fund This fund is used to account fort the City's costs of preventative maintenance and repairs for all City vehicles including police, fire, general administrative, park, sewer and public works equipment. Equipment Replacement Reserve Fund This fund is used to account for the costs to replace City general equipment. Unemployment Insurance Reserve Fund This fund is used to account for a reserve for unemployment insurance. 108 CITY OF NATIONAL CITY Combining Statement of Net Assets Internal Service Funds June 30, 2010 Information Office Facilities Liability General Systems Equipment Maintenance Insurance Services Maintenance Depreciation ASSETS Current assets: Cash and investments $ 752,771 7,066,242 491,045 1,085,711 1,877,507 Cash and investments with fiscal agents 1,248,323 - - - Accounts receivable 918 1,133 72,231 Inventories - 14,649 - Total current assets Noncurrent assets: Capital assets: Nondepreciable assets Depreciable assets, net of accumulated depreciation 2,001,094 7,067,160 506,827 1,157,942 1,877,507 507,000 98,878 109,819 Total capital assets 507,000 - 98,878 109,819 Total noncurrent assets 507,000 - 98,878 109,819 Total assets 2,508,094 7,067,160 506,827 1,256,820 1,987,326 LIABILITIES Current liabilities: Accounts payable and accrued liabilities 160,576 91,117 6,861 12,357 33,661 Salaries payable 18,639 1,029 3,830 2,076 Capital lesases payable - due within one year 21,381 - - Compensated absences 58,927 2,272 4,025 13,693 Self-insurance claims payable - due within one year 1,597,744 Total current liabilities 259,523 1,692,162 14,716 28,126 33,661 Noncurrent liabilities: Capital lesases payable - due in more than one year Self-insurance claims payable - due in more than one year 1,733,779 Total liabilities 1,993,302 NET ASSETS 4,286,256 5,978,418 14,716 28,126 33,661 Invested in capital assets, net of related debt 507,000 - 98,878 109,819 Unrestricted 7,792 1,088,742 492,111 1,129,816 1,843,846 Total net assets $ 514,792 1,088,742 492,111 1,228,694 1,953,665 109 General Motor Equipment Unemployment Telecommunications Accounting Vehicle Replacement Insurance Revolving Services Services Reserve Reserve 722,290 Total 527,883 1,179,324 266,038 187,552 14,156,363 - - - 1,248,323 - - - 74,282 - - - 14,649 722,290 527,883 1,179,324 266,038 187,552 15,493,617 - - - - 507,000 - - 843,264 298,274 1,350,235 - 843,264 298,274 1,857,235 - 843,264 298,274 1,857,235 722,290 527,883 2,022,588 564,312 187,552 17,350,852 37,374 4,451 33,585 1,412 381,394 1,296 15,145 9,841 - 51,856 - - - 21,381 66,642 33,000 - 178,559 - - - 1,597,744 38,670 86,238 76,426 1,412 2,230,934 - - - 1,733,779 - - - 4,286,256 38,670 86,238 76,426 1,412 8,250,969 683,620 683,620 - 843,264 298,274 1,857,235 441,645 1,102,898 264,626 187,552 7,242,648 441,645 1,946,162 562,900 187,552 9,099,883 110 CITY OF NATIONAL CITY Combining Statement of Revenues, Expenses and Changes in Net Assets Internal Service Funds For the Year Ended June 30, 2010 Operating revenues: Services charges Other revenues Total operating revenues Information Office Facilities Liability General Systems Equipment Maintenance Insurance Services Maintenance Depreciation $ 2,099,016 2,859,483 432,960 714,624 425,616 163 408,116 - 10,777 2,099,179 3,267,599 432,960 725,401 425,616 Operating expenses: Personnel services 728,462 78,398 101,387 119,876 Maintenance and operations 1,800,856 3,671,881 195,952 492,393 220,129 Depreciation - - 31,006 43,459 Total operating expenses 2,529,318 3,750,279 297,339 643,275 263,588 Operating income (loss) (430,139) (482,680) 135,621 82,126 162,028 Transfers in 1,326,860 - - Transfers out (200,000) - (400,000) Change in net assets 896,721 (682,680) 135,621 82,126 (237,972) Net assets, beginning of year (381,929) 1,771,422 356,490 1,146,568 2,191,637 Net assets, end of year $ 514,792 1,088,742 492,111 1,228,694 1,953,665 111 General Motor Equipment Unemployment Telecommunications Accounting Vehicle Replacement Insurance Revolving Services Services Reserve Reserve Total 397,812 865,908 1,577,352 - 38,820 9,411,591 7,335 1,892 949 - 429,232 405,147 867,800 1,578,301 - 38,820 9,840,823 57,531 570,626 435,362 - 2,091,642 291,311 210,808 906,939 16,943 55,568 7,862,780 3,737 - 220,768 23,654 322,624 352,579 781,434 1,563,069 40,597 55,568 10,277,046 52,568 86,366 15,232 (40,597) (16,748) (436,223) 1,326,860 (200,000) (230,000) - (1,030,000) (147,432) (143,634) 15,232 (40,597) (16,748) (139,363) 831,052 585,279 1,930,930 603,497 204,300 9,239,246 683,620 441,645 1,946,162 562,900 187,552 9,099,883 112 CITY OF NATIONAL CITY Combining Statement of Cash Flows Internal Service Funds For the Year Ended June 30, 2010 Information Office Facilities Liability General Systems Equipment Maintenance Insurance Services Maintenance Depreciation Cash flows from operating activities: Cash received from customers/other funds 2,099,016 2,858,600 431,827 714,624 425,616 Cash payments to suppliers (1,794,706) (2,577,268) (186,800) (527,944) (265,529) Cash payments for general and administrative (726,895) (89,923) (101,016) (95,760) - Cash received from (payments to) other 163 408,116 Net cash provided (used) by operating activities (422,422) 599,525 144,011 90,920 160,087 Cash flows from capital and related financing activities: Acquisition or disposal of capital assets (507,000) - (109,269) Issuance of lease payable 1,755,160 Net cash provided (used) by capital and related financing activities 1,248,160 - (109,269) Cash flows from non -capital financing activities: Cash received from other funds 1,175,356 - - - Cash paid to other funds (200,000) - (400,000) Net cash provided (used) by non -capital financing activities 1,175,356 (200,000) - (400,000) Net increase (decrease) in cash and cash equivalents 2,001,094 399,525 144,011 (18,349) (239,913) Cash and investments: Beginning of year 6,666,717 347,034 1,104,060 2,117,420 End of year $ 2,001,094 7,066,242 491,045 1,085,711 1,877,507 Cash flows from operating activities: Operating income (loss) $ (430,139) (482,680) 135,621 82,126 162,028 Adjustments to reconcile operating income (loss) to net cash provided (used) by operating activities: Depreciation - 31,006 43,459 Changes in current assets and liabilities: Accounts receivable (883) (1,133) - Inventories - 6,399 - Accounts payable and accrued liabilities 6,150 35,613 2,753 (35,551) (45,400) Salaries payable 1,983 (2,120) 159 (354) - Compensated absences (416) (9,405) 212 13,693 - Self-insurance claims payable 1,059,000 - Total adjustments 7,717 1,082,205 8,390 8,794 (1,941) Net cash provided (used) by operating activities $ (422,422) 599,525 144,011 90,920 160,087 113 General Motor Equipment Unemployment Telecommunications Accounting Vehicle Replacement Insurance Revolving Services Services Reserve Reserve Total 397,812 865,908 1,577,352 - 38,820 9,409,575 (284,544) (216,034) (1,147,572) (16,943) (55,568) (7,072,908) (57,609) (582,622) (432,466) - (2,086,291) 7,335 1,892 949 - 418,455 62,994 69,144 (1,737) (16,943) (16,748) 668,831 (75,305) - (691,574) - - 1,755,160 (75,305) - 1,063,586 - - - 1,175,356 (200,000) (230,000) - - (1,030,000) (200,000) (230,000) - - 145,356 (137,006) (160,856) (77,042) (16,943) (16,748) 1,877,773 859,296 688,739 1,256,366 282,981 204,300 13,526,913 722,290 527,883 1,179,324 266,038 187,552 15,404,686 52,568 86,366 15,232 (40,597) (16,748) (436,223) 3,737 - 220,768 23,654 322,624 - - - (2,016) - - - 6,399 6,767 (5,226) (240,633) - (275,527) (78) 171 (224) - (463) (12,167) 3,120 - (4,963) - - - 1,059,000 10,426 (17,222) (16,969) 23,654 1,105,054 62,994 69,144 (1,737) (16,943) (16,748) 668,831 114 FIDUCIARY FUNDS AGENCY FUNDS: Cobra Insurance Fund This fund is used to account for amounts collected by the City from retirees to pay their health insurance premiums. Miscellaneous Deposits Fund This fund is used to account for miscellaneous deposits collected by the City. 115 CITY OF NATIONAL CITY Statement of Changes in Assets and Liabilities Agency Funds For the Year Ended June 30, 2010 Balance Balance July 1, 2009 Additions Deletions June 30, 2010 COBRA INSURANCE FUND Assets: Cash and investments $ 5,163 235,940 (210,455) 30,648 Accounts receivable - 1,768 - 1,768 Total assets $ 5,163 237,708 (210,455) 32,416 Liabilities: Accounts payable $ 5,163 237,708 (210,455) 32,416 Total liabilities $ 5,163 237,708 (210,455) 32,416 Balance Balance July 1, 2009 Additions Deletions June 30, 2010 MISCELLANEOUS DEPOSITS FUND Assets: Cash and investments $ 593,376 188,436 (128,085) 653,727 Total assets $ 593,376 188,436 (128,085) 653,727 Liabilities: Accounts payable $ 593,376 188,436 (128,085) 653,727 Total liabilities $ 593,376 188,436 (128,085) 653,727 Balance Balance July 1, 2009 Additions Deletions June 30, 2010 TOTAL AGENCY FUNDS Assets: Cash and investments $ 598,539 424,376 (338,540) 684,375 Accounts receivable - 1,768 - 1,768 Total assets $ 598,539 426,144 (338,540) 686,143 Liabilities: Accounts payable $ 5,163 237,708 (210,455) 32,416 Depostis payable 593,376 188,436 (128,085) 653,727 Total liabilities $ 598,539 426,144 (338,540) 686,143 116 (This page intentionally left blank) 117 DESCRIPTION OF STATISTICAL SECTION June 30, 2010 This part of the City of National City's comprehensive annual financial report presents detailed information as a context for understanding what the information in the financial statements, note disclosures, and required supplementary information say about the government's overall financial health. Contents: Pages Financial Trends - these schedules contain trend information to help the reader understand how the City's financial performance and well-being have changed over time. Revenue Capacity - these schedules contain information to help the reader assess the City's most significant local revenue source, the property tax. Debt Capacity - these schedules present information to help the reader assess the affordability of the City's current levels of outstanding debt and the City's ability to issue additional debt in the future Demographic and Economic Information - these schedules offer demographic and economic indicators to help the reader understand the environment within which the City's financial activities take place. Operating Information - these schedules contain service and infrastructure data to help the reader understand how the information in the City's financial report relates to the services the City provides and the activities it performs. 119 - 128 129 - 136 137 - 144 145 - 146 147 - 149 118 CITY OF NATIONAL CITY Net Assets by Component' Last Eight Fiscal Years (accrual basis of accounting) Fiscal Year 2003 2004 2005 2006 Governmental Activities: Invested in Capital assets, net of related debt 50,268,232 92,988,998 101,117,839 93,916,816 Restricted 26,694,109 49,185,546 44,125,574 37,597,633 Unrestricted 44,331,476 (19,947,768) (18,088,821) (2,314,564) Total governmental activities net assets 121,293,817 122,226,776 127,154,592 129,199,885 Business -type Activities: Invested in Capital assets, net of related debt 12,481,289 11,844,051 11,204,491 10,854,822 Restricted 1,913,163 1,157,359 2,439,808 2,134,043 Unrestricted (241,387) 1,142,236 - - Total business -type activities net assets 14,153,065 14,143,646 13,644,299 12,988,865 Primary Government: Invested in Capital assets, net of related debt 62,749,521 104,833,049 112,322,330 104,771,638 Restricted 28,607,272 50,342,905 46,565,382 39,731,676 Unrestricted 44,090,089 (18,805,532) (18,088,821) (2,314,564) Total primary government net assets 135,446,882 136,370,422 140,798,891 142,188,750 Notes: ' The City of National City implemented GASB 34 for the period ended June 30, 2003. Information prior to the implementation is not available. Source: City of National City Comprehensive Annual Financial Reports. 119 Fiscal Year 2007 2008 2009 2010 95,083,039 90,395,315 98,809,386 99,340,829 41,250,048 53,081,951 48,092,405 55,609,616 5,449,969 7,376,407 8,481,142 7,351,272 141,783,056 150,853,673 155,3 82,933 162,3 01,717 10,407,472 5,584,797 5,354,253 5,148,247 1,778,624 1,996,801 2,101,803 1,524,392 12,186,096 7,581,598 7,456,056 6,672,639 105,490,511 95,980,112 104,163,639 104,489,076 43,028,672 55,078,752 50,194,208 57,134,008 5,449,969 7,376,407 8,481,142 7,351,272 153,969,152 158,435,271 162,838,989 168,974,356 CITY OF NATIONAL CITY Change in Net Assets12 Last Eight Fiscal Years (accrual basis of accounting) Fiscal Year 2003 2004 2005 Expenses: Governmental Activities: General government 15,228,774 4,840,699 5,821,973 Public safety 21,707,108 20,691,526 29,517,769 Transportation 1,499,506 3,118,995 5,185,480 Community development 7,845,282 18,772,524 23,565,808 Health 5,683,202 6,776,503 6,776,548 Culture and leisure 4,054,931 5,321,896 6,261,480 Interest on long-term debt (unallocated) 948,690 2,401,283 4,809,381 Depreciation expense (unallocated) 3,418,754 - - Total governmental activities expenses 60,386,247 61,923,426 81,938,439 Business -type Activities: TDA 3,003,738 3,037,348 3,100,807 Community development commission 1,618,597 1,694,815 1,816,212 Total business -type activities expenses 4,622,335 4,732,163 4,917,019 Total primary government expenses 65,008,582 66,655,589 86,855,458 Program Revenue: Government Activities: Charges for services: General government 821,488 8,638,252 11,726,343 Public safety 2,159,250 1,294,738 552,384 Transportation 44,074 1,650 - Community development 1,111,801 902,399 467,810 Health 4,733,821 1,225 - Culture and leisure 278,139 637,165 559,500 Operating grants and contributions 12,666,340 21,815,537 30,438,839 Capital grants and contributions 3,474,092 136,227 186,889 Total governmental activities program revenue 25,289,005 33,427,193 43,931,765 Business -type Activities: Charges for services: TDA 1,210,576 1,321,281 1,170,795 Community development commission 1,806,538 1,819,435 1,843,918 Operating grants and contributions 1,352,066 1,365,549 1,307,972 Capital grants and contributions - - 52,137 Total business -type activities program revenue 4,369,180 4,506,265 4,374,822 Total primary government program revenue 29,658,185 37,933,458 48,306,587 Net Revenues (Expenses): Governmental activities (35,097,242) (28,496,233) (38,006,674) Business -type activities (253,155) (225,898) (542,197) Total Net Revenues (Expenses) (35,350,397) (28,722,131) (38,548,871) Notes: 1 The City of National City implemented GASB 34 for the period ended June 30, 2003. Information prior to the implementation is not available. 2 The National City transit operation (TDA) was discontinued during fiscal year 2007. Source: City of National City Comprehensive Annual Financial Reports. 121 Fiscal Year 2006 2007 2008 2009 2010 3,141,167 5,219,116 5,881,015 5,224,693 6,774,769 24,841,408 25,943,803 27,218,309 29,670,520 32,426,770 9,979,551 2,680,880 7,144,911 7,735,716 2,966,635 23,709,596 22,209,522 24,841,387 17,049,437 17,693,511 6,049,689 6,273,178 7,426,569 5,963,766 7,775,510 6,243,390 6,387,197 6,304,412 6,928,456 6,238,223 2,631,082 2,768,004 2,853,399 2,525,568 2,524,121 76,595,883 71,481,700 81,670,002 75,098,156 76,399,539 3,684,772 2,689,687 2,218,661 - - 2,535,540 2,059,738 2,078,822 2,191,014 2,854,075 6,220,312 4,749,425 4,297,483 2,191,014 2,854,075 82,816,195 76,231,125 85,967,485 77,289,170 79,253,614 11,731,690 11,210,231 3,035,893 2,331,329 3,624,978 182,214 74,987 192,291 1,820,369 1,976,414 557,715 767,558 776,094 631,769 625,194 - 7,426,730 7,355,009 7,258,317 650,428 843,273 935,297 420,314 771,433 27,308,279 23,016,167 26,090,615 20,674,207 21,051,606 243,662 166,994 112,107 - - 40,673,988 36,079,210 38,569,027 33,232,997 35,307,942 1,287,218 891,013 - - 1,920,403 1,955,520 2,044,277 2,041,477 2,063,715 2,002,041 990,340 5,209,662 3,836,873 2,044,277 2,041,477 2,063,715 45,883,650 39,916,083 40,613,304 35,274,474 37,371,657 (35,921,895) (35,402,490) (43,100,975) (41,865,159) (41,091,597) (1,010,650) (912,552) (2,253,206) (149,537) (790,360) (36,932,545) (36,315,042) (45,354,181) (42,014,696) (41,881,957) CITY OF NATIONAL CITY Changes in Net Assets (Continued)' 2 3 Last Eight Fiscal Years (accrual basis of accounting) Fiscal Year 2003 2004 2005 General Revenue and Other Changes in Net Assets: Governmental Activities: Taxes: Property taxes 10,020,098 Sales taxes 14,746,115 Franchise taxes 1,267,983 Motor vehicle license 3,443,936 Transient occupancy taxes 959,078 Other taxes 922,906 Investment earnings 1,381,560 Other misc Rent 60,993 Transfers Total governmental activities 32,802,669 Business -type Activities: Investment earnings 27,958 Other misc Rent Transfers Total business -type activities 27,958 8,091,564 16,458,677 1,369,136 2,950,346 927,873 44,092 1,294,564 1,932,799 86,467 10,634,257 18,723,950 1,421,404 4,488,802 1,002,664 1,239,038 1,795,642 82,011 33,155,518 39,387,768 37,340 42,850 9,684 47,024 42,850 Total primary government 32,830,627 33,202,542 39,430,618 Changes in Net Assets: Governmental activities Business -type activities Total Primary Government (2,294,573) (225,197) 4,659,285 (178,874) 1,381,094 (499,347) (2,519,770) 4,480,411 881,747 Notes: ' The City of National City implemented GASB 34 for the period ended June 30, 2003. Information prior to the implementation is not available. 2 The National City transit operation (TDA) was discontinued during fiscal year 2007. 3 The City of National City implemented a one cent district tax during fiscal year 2007 causing an increase in sales tax revenue and investment earnings. Source: City of National City Comprehensive Annual Financial Reports. 123 Fiscal Year 2006 2007 2008 2009 2010 13,304,816 15,232,910 16,421,961 15,827,505 9,983,799 17,571,328 22,102,515 24,072,743 20,700,283 18,872,987 1,357,256 1,440,770 1,416,236 1,737,134 1,941,081 4,558,078 4,837,677 5,100,399 5,370,617 5,181,701 618,378 908,187 841,745 630,049 725,901 1,460,288 3,405,789 3,369,224 1,425,385 572,489 314,606 (27,714) 270,269 461,101 80,711 85,527 305,082 733,454 763,157 2,378,910 39,265,461 47,985,661 53,906,300 46,694,696 38,502,216 59,721 34,653 94,374 39,359,835 82,069 27,618 27,714 (2,378,910) 109,783 (2,351,292) 48,095,444 51,555,008 3,343,566 12,583,171 10,805,325 (916,276) (802,769) (4,604,498) 23,995 6,943 23,995 6,943 46,718,691 38,509,159 4,829,537 (125,542) (2,589,381) (783,417) 2,427,290 11,780,402 6,200,827 4,703,995 (3,372,798) CITY OF NATIONAL CITY Fund Balances of Government Funds' Last Eight Fiscal Years (modified accrual basis of accounting) Fiscal Year 2003 2004 2005 General Fund: Reserved 83,397 Unreserved 7,439,565 Total general fund 7,522,962 1,101,354 8,056,981 1,126,090 11,457,153 9,158,335 12,583,243 All Other Governmental Funds: Reserved 13,241,484 46,548,352 19,446,936 Unreserved Designated 27,833,769 14,949,382 15,596,121 Undesignated: Special revenue funds 8,553,693 3,714,794 13,350,731 Capital projects funds 12,071,391 2,233,057 9,978,986 Debt service funds Total all other governmental funds 61,700,337 67,445,585 58,372,774 Notes: 1 The City of National City has elected to show only six years of data for this schedule. Source: City of National City Comprehensive Annual Financial Reports. 125 Fiscal Year 2006 2007 2008 2009 2010 1,171,748 11,620,584 1,501,213 15,585,066 1,727,692 18,298,540 1,164,034 17,276,654 1,126,408 10,699,617 12,792,332 17,086,279 20,026,232 18,440,688 11,826,025 21,676,313 25,758,503 23,958,237 22,821,977 27,090,770 7,416,455 15,554,052 10,832,286 18,774,518 19,332,920 17,346,630 15,595,453 23,394,266 19,853,304 21,864,572 7,107,297 4,201,534 9,750,823 4,428,286 (394,314) 53,546,695 61,109,542 67,935,612 65,878,085 67,893,948 126 CITY OF NATIONAL CITY Changes in Fund Balances of Government Funds' 2 Last Eight Fiscal Years (modified accrual basis of accounting) Fiscal Year 2003 2004 2005 Revenues: Taxes $ 27,753,702 $ 30,511,964 $ 36,831,882 Licenses and permits 246,354 297,937 895,617 Fines and forfeitures 992,882 1,125,965 1,234,563 Interest and rents 1,813,396 1,411,209 2,176,345 Intergovernmental 20,190,583 20,493,616 26,776,553 Charges for services 6,607,356 7,767,770 9,386,573 Other revenues 1,784,270 1,719,177 6,726,776 Total revenues 59,388,543 63,327,638 84,028,309 Expenditures: Current: General government 16,217,080 4,895,801 5,087,967 Public safety 18,391,488 21,008,075 29,230,210 Transportation 1,499,506 1,587,585 2,904,547 Community development 8,179,356 18,922,721 25,061,379 Health 5,683,202 6,776,503 6,776,548 Culture and leisure 4,070,165 5,321,896 6,261,480 Capital outlay 5,390,611 5,874,829 15,058,251 Debt service: Principal 715,000 745,000 985,000 Interest and fiscal charges 952,313 2,079,792 4,206,020 Total expenditures 61,098,721 67,212,202 95,571,402 Excess (deficiency) of revenues over (under) expenditures Other Financing Sources (uses) Proceeds from issuance of debt Payment to bond escrow agent Proceeds from lease Proceeds from sale of land Transfers in Transfers out Total other financing sources (uses) Net change in fund balances (1,710,178) (3,884,564) (11,543,093) 6,000,000 12,760,000 2,180,736 (2,249,687) 5,931,049 261,937 1,997,101 9,774,100 (9,749,297) 37,780,000 (37,111,533) 18,113,443 (16,433,443) 15,043,841 2,348,467 $ 4,220,871 $ 11,159,277 $ (9,194,626) Debt services as a percentage of noncapital expenditures 2.99% 4.61% 6.45% Notes: ' The City of National City has elected to show only six years of data for this schedule. 2 The City of National City implemented a one cent district tax during fiscal year 2007 causing an increase in sales tax revenue and investment earnings. Source: City of National City Comprehensive Annual Financial Reports. 127 Fiscal Year 2006 2007 2008 2009 2010 $ 39,138,480 $ 46,477,691 $ 49,871,559 $ 47,448,811 $ 44,435,811 887,009 872,998 801,232 742,616 555,717 1,237,069 939,083 1,322,347 1,303,006 1,454,328 1,957,322 3,405,789 3,369,224 2,387,531 1,414,747 24,345,988 23,863,565 24,377,473 21,575,928 22,200,569 9,330,082 9,328,340 8,471,286 8,371,734 9,064,198 2,662,154 2,358,768 2,680,389 1,926,494 3,465,296 79,558,104 87,246,234 90,893,510 83,756,120 82,590,666 5,395,508 4,723,185 5,354,513 4,559,601 6,517,068 25,784,443 25,130,868 26,528,937 27,958,385 30,715,473 3,369,380 3,236,793 3,756,298 3,079,647 2,118,325 23,315,799 20,992,576 23,721,153 18,029,047 21,870,082 6,049,689 6,273,178 7,426,569 5,963,766 7,761,907 6,243,390 6,387,197 6,276,859 6,928,456 6,160,615 10,957,597 2,074,818 1,636,398 14,450,567 5,501,888 3,224,395 2,871,863 2,891,709 3,024,837 3,191,174 3,014,431 2,898,962 2,864,933 2,689,608 2,535,113 87,354,632 74,589,440 80,457,369 86,683,914 86,371,645 (7,796,528) 458,994 10,431,154 (7,931,154) 12,656,794 10,436,141 8,182,525 (8,982,525) 2,958,994 (800,000) 13,096,724 (13,151,446) (2,927,794) (3,780,979) 8,119,544 (8,534,544) 9,692,695 (9,989,555) (54,722) (415,000) (296,860) $ (4,837,534) $ 11,856,794 $ 10,381,419 $ (3,342,794) $ (4,077,839) 8.17% 7.96% 7.30% 7.91% 7.08% 128 CITY OF NATIONAL CITY Assessed Value and Actual Value of Taxable Property, Last Ten Fiscal Years Category Secured: Residential Property Commercial Property Industrial Property Institutional Property Irrigated Property Recreational Property Unknown Vacant Land Total Secured Unsecured SBE Nonunitary Total Taxable Assessed Value Total Direct Tax Rate Fiscal Year 2001 2002 2003 2004 $ 788,688,010 536,869,078 161,263,160 2,457,011 2,906,723 11,700 28,414,815 $ 858,637,562 556,740,563 174,165, 831 5,322,431 2,416,278 356,276 31,387,754 $ 910,661,353 583,704,244 184,467,093 4,045,907 4,778,254 504,895 29,305,007 $ 977,435,596 578,140,896 193,821,784 25,829,220 3,082,188 943,052 37,815,694 1,520,610,497 100,902,500 11,076,114 1,629,026,695 103,159,838 11,138,470 1,717,466,753 107,821,517 10,884,643 1,817,068,430 119,327,613 11,768,070 $ 1,632,589,111 $ 1,743,325,003 $ 1,836,172,913 $ 1,948,164,113 0.46454% 0.49717% Source: HDL, San Diego County Assessor 1999/00- 2009/10 Combined Tax Rolls. Note: Exempt values are not included in Total. 0.51221% 0.52091% 129 Fiscal Year 2005 2006 2007 2008 2009 2010 $ 1,082,306,711 611,146, 522 184,112,160 9,13 7,490 3,119,237 45,967,328 $ 1,249,018,196 677,325,076 237,113,411 6,773,868 4,369,771 41,602,858 $ 1,519,346,327 704,702,806 262,732, 815 5,568,713 4,745,005 58,129,839 $ 1,675,533,232 744,585,873 264,996,707 4,3 82,185 6,697,142 68,304,793 $ 1,727,050,075 797,911,588 276,149,692 44,982,886 35,858 14,655,682 92,409,693 $ 1,486,019,671 871,757,000 288,230,654 54,514,910 36,575 26,509,839 93,470,678 1,935,789,448 121,108,202 6,177,516 2,216,203,180 132,740,967 6,064,199 2,555,225,505 142,087,044 5,931,260 2,764,499,932 154,942,915 4,039,249 2,953,195,474 168,066,373 5,858,889 2,820,539,327 204,465,642 5,586,456 $ 2,063,075,166 $ 2,355,008,346 $ 2,703,243,809 $ 2,923,482,096 $ 3,127,120,736 $ 3,030,591,425 0.53714% 0.55593% 0.56773% 0.56773% 0.57066% 0.55977% 130 Apparel Stores General Merchandise Food Stores Eating and Drinking Places Building Materials Auto Dealers and Supplies Service Stations Other Retail Stores All Other Outlets Total CITY OF NATIONAL CITY Taxable Sales by Category Last Ten Calendar Years (in thousands of dollars) Fiscal Year 2000 $ 68,747 111,743 22,414 76,964 107,523 505,252 50,383 152,722 224,792 2001 2002 $ 80,205 102,599 23,546 85,359 109,537 559,094 55,835 154,463 230,643 $ 81,644 91,623 24,853 89,744 116,682 599,535 54,877 161,749 237,629 2003 $ 88,193 116,240 23,164 94,911 129,890 625,127 61,579 165,782 230,318 $ 1,320,540 $ 1,401,281 $ 1,458,336 $ 1,535,204 Source: HDL, State of California Board of Equalization Note: Due to confidentiality issues, the names of the ten largest revenue payers are not available. The categories presented are intended to provide alternative information regarding the sources of the City's revenue. 131 Fiscal Year 2004 2005 2006 2007 2008 2009 $ 93,647 152,364 23,095 100,584 174,606 676,045 72,078 167,541 245,383 $ 100,833 156,538 23,922 101,601 176,404 688,366 74,105 174,630 290,701 $ 101,026 149,482 24,024 106,731 124,594 651,140 79,548 176,574 271,636 $ 101,928 144,515 24,781 107,109 100,055 587,778 81,823 150,407 266,338 $ 106,482 149,789 27,680 112,064 74,872 426,316 87,171 142,477 235,434 $ 110,113 143,897 27,885 111,565 34,355 335,246 66,560 121,245 203,713 $ 1,705,343 $ 1,787,100 $ 1,684,755 $ 1,564,734 $ 1,362,285 $ 1,154,579 132 Agency CITY OF NATIONAL CITY Direct and Overlapping Property Tax Rates, Last Ten Fiscal Years (Rate Per $100 of Taxable Value) Fiscal Year 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Basic Levy' 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 Chula Vista Elementary 0.02515 0.02396 0.02645 0.02723 0.02811 0.02738 0.02662 0.02029 0.01762 0.02507 Lower Sweetwater Fire Prot D Tax Rate Reduction 0.00000 -0.16701 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 Metropolitan Water District 0.00880 0.00770 0.00670 0.00610 0.00580 0.00520 0.00470 0.00450 0.00430 0.00430 National City Gen. Obligation Bonds 2002 Series A 0.00000 0.00000 0.00000 0.02275 0.02000 0.01770 0.01570 0.01430 0.01300 0.01270 San Diego Community College 0.00000 0.00000 0.00000 0.01786 0.01901 0.02495 0.01782 0.02740 0.01212 0.02482 San Diego Unified 0.00000 0.00000 0.00000 0.09575 0.08676 0.07590 0.07149 0.06007 0.06184 0.06670 San Diego Unified Lease/Purchase 0.09575 0.09575 0.09575 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 San Diego Water Authority 0.00091 0.00083 0.00075 0.00067 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 Southwestern Community College Bond 2000 0.00000 0.01544 0.01304 0.00727 0.01301 0.01505 0.01405 0.01253 0.01320 0.03442 Sweetwater High Bond 0.00000 0.02527 0.02196 0.01956 0.01818 0.02252 0.02016 0.04711 0.04621 0.05580 Total Direct & Overlapping2 Tax Rates 1.13061 1.00194 1.16465 1.19719 1.19087 1.18870 1.17054 1.18620 1.16829 1.22381 City's Share of 1% Levy Per Prop 133 0.17720 0.17720 0.17720 0.17720 0.17720 0.17720 0.17720 0.17720 0.17720 0.17720 General Obiligation Debt Rate 0.00000 0.00000 0.00000 0.02275 0.02000 0.01770 0.01570 0.01430 0.01300 0.01270 Redevelopment Rate 1.00971 1.00853 1.00745 1.00677 1.00580 1.00520 1.00470 1.00450 1.00430 1.00430 Total Direct Rate 0.49349 0.49814 0.51297 0.52942 0.54468 0.56253 0.57282 0.58192 0.57590 0.55977 Analysis of the Basic Tax Levy' General Elementary National National City General Fund High Sweetwater Union County General Educational Revenue Augmentation Fund Southwestern Community College County School Service Regional Occupation Centers CWA City of National City Physically Handicapped Minors Elem. Comp. Trainable Mentally Retarded Minors Elem. Comp. County School Service - Capital Outlay Children's Institutions Tuition Development Centers For Handicapped EC56811 Elem. Chula Vista Project (19/84602) Chula Vista Project (19/84601) Autistic Pupils Minors Elementary Comp. Total 0.28860 0.17720 0.17660 0.14930 0.13550 0.04760 0.00710 0.00453 0.00401 0.00314 0.00203 0.00179 0.00152 0.00045 0.00037 0.00019 0.00010 $ 1.0000 'In 1978, California voters passed Proposition 13 which set the property tax rate at a 1.00% fixed amount. This 1.00% is shared by all taxing agencies for which the subject property resides within. In addition to the 1.00% fixed amount, property owners are charged taxes as a percentage of assessed property values for the payment of any voter approved bonds. Overlapping rates are those of local and county governments that apply to property owners within the City. Not all overlapping rates apply to all city property owners. City's Share of 1% Levy is based on the City's share of the general fund tax rate area with the largest net taxable value within the city. ERAF general fund tax shifts may not be included in tax ratio figues. Source: HDL, San Diego County Assessor 1999/00- 2009/10 Combined Tax Rolls. 133 Taxpayer CITY OF NATIONAL CITY Principal Property Tax Payers, Current Year and Nine Years Ago 2010 2001 Percentage of Total City Taxable Taxable Taxable Assessed Assessed Assessed Value Rank Value Value Rank Percentage of Total City Taxable Assessed Value Plaza Bonita LP $ 237,591,621 1 7.84% PASHA Group 41,348,146 2 1.36% MPT of Paradise Valley LP 40,306,136 3 1.33% Costco Wholesale 31,579,508 4 1.04% Pacific Castle Bay Plaza LLC 26,530,200 5 0.88% Adventist Health System West 24,496,400 6 0.81% Prime Healthcare Services Foundation 23,103,000 7 0.76% Sweetwater Associates LP 22,890,307 8 0.76% G.W. Williams Company 22,750,226 9 0.75% Dexter Street LP - Joseph Grego Trust 22,150,000 10 0.73% Centermark Properties Inc. $ 107,750,197 1 6.60% Dixiline Lumber Company 24,784,990 2 1.52% G F Pinnacle Peak Limited Partnership 21,408,880 3 1.31% Wells Fargo Bank 19,427,537 4 1.19% Plaza Bonita LLC 15,032,891 5 0.92% PASHA Group 14,485,933 6 0.89% C I P Venture 13,857,673 7 0.85% National City Capital 12,238,459 8 0.75% WDOP SUB I LP 12,009,686 9 0.74% Sweetwater Square LLC LF AARDEMA 11,108,321 10 0.68% Total $ 492,745,544 16.26% $ 252,104,567 15.45% Source: HDL, San Diego County Assessor 2000/01- 2009/10 Combined Tax Rolls. 134 Current Year Tax Levy Current Tax Collections Percent of Levy Collected Delinquent Tax Receivable Delinquent Tax Collections Total Tax Collections Percent of Total Tax Collections To Tax Levy Outstanding Delinquent Taxes Percent of Delinquent Taxes To Tax Levy CITY OF NATIONAL CITY Property Tax Levies and Collections Last Eight Fiscal Years Fiscal Year 2003 2004 2,083,370 2,163,020.93 2,073,381 2,153,774.45 99.52% 99.57% 10,511.53 12,083.88 1,221.20 2,129.39 2,074,602 99.58% 19,279.10 2,155,904 99.67% 19,200.97 0.93% 0.89% 2005 2,211,147.75 2,203,473.44 99.65% 12,541.85 1,320.07 2,204,794 99.71 % 18,896.09 2006 2,415,266.09 2,407,113.65 99.66% 12,204.02 2,060.98 2,409,175 99.75% 18,295.48 0.85% 0.76% 135 Fiscal Year 2007 2,678,831.84 2,670,617.78 99.69% 13,617.59 1,502.01 2,672,120 99.75% 20,329.64 0.76% 2008 2,855,586.70 2,843,810.13 99.59% 15,637.23 1,104.17 2,844,914 99.63% 26,309.63 0.92% 2009 3,119,017.93 3,102,793.31 99.48% 16,471.53 2,886.11 3,105,679 99.57% 29,810.04 0.96% 2009 3,119,017.93 3,102,793.31 99.48% 16,471.53 2,886.11 3,105,679 99.57% 29,810.04 0.96% 2010 3,133,983.84 3,104,248.21 99.05% 16,862.66 1,863.54 3,106,112 99.11% 44,734.75 1.43% CITY OF NATIONAL CITY Ratios of Outstanding Debt by Type Last Eight Fiscal Years Governmental Activities: NCJPFA Lease Revenue Refunding Bond Tax Allocation Bonds General Obligation Bonds HUD 108 Bond 2003 A Total Bonded Debt Percent of Taxable Assessed Values Per Capita Capital Lease Payable Business -Type Activities: Notes Payable Total Primary Government Percent of Personal Income Per Capita Fiscal Year 2003 $ 5,315,000 42,580,000 6,000,000 2004 $ 5,060,000 47,950,000 6,000,000 6,900,000 53,895,000 65,910,000 2.94% 3.38% $ 969 $ 1,207 3,597,013 261,937 3,466,933 2005 $ 4,790,000 48,280,000 5,970,000 6,730,000 65,770,000 3.19% $ 1,181 1,727,591 3,328,141 $ 57,492,013 $ 69,638,870 $ 70,825,732 4.91% $ 1,034 $ 5.91% 1,276 $ 1,271 5.89% 137 Fiscal Year 2006 2007 2008 2009 2010 $ 4,510,000 $ 4,220,000 $ 3,920,000 $ 3,605,000 $ 3,280,000 45,885,000 43,885,000 41,820,000 39,680,000 37,455,000 5,850,000 5,720,000 5,585,000 5,440,000 5,285,000 6,560,000 6,380,000 6,185,000 5,975,000 5,750,000 62,805,000 60,205,000 57,510,000 54,700,000 51,770,000 2.67% 2.23% 1.97% 1.75% 1.71% $ 1,124 $ 1,074 $ 1,021 $ 964 $ 896 1,927,190 1,655,327 1,372,940 1,117,728 856,554 3,180,054 3,022,049 2,853,463 2,481,662 2,853,463 $ 67,912,244 $ 64,882,376 $ 61,736,403 $ 58,299,390 $ 55,480,017 5.39% 5.03% 4.82% 4.80% n/a $ 1,216 $ 1,157 $ 1,096 $ 1,028 $ 960 (This page intentionally left blank) 139 2008-09 Assessed Valuation: Redevelopment Incremental Valuation: Adjusted Assessed Valuation: CITY OF NATIONAL CITY Direct and Overlapping Debt As of June 30, 2010 $3,033,506,532 1,381,128,411 $1,652,378,121 Total Debt City's Share of DIRECT AND OVERLAPPING TAX AND ASSESSMENT DEBT: 6/30/2010 % Applicable' Debt 6/30/10 Metropolitan Water District $264,220,000 0.091% $240,440 San Diego Community College District 623,390,828 0.003% 18,702 Southwestern Community College District 181,958,656 4.279% 7,786,011 Chula Vista City School District 78,430,000 1.646% 1,290,958 Sweetwater Union High School District 343,709,415 5.133% 17,642,604 Sweetwater Union High School District Community Facilities Districts 30,470,907 0.216 - 4.040 416,072 City of National City 5,285,000 100% 5,285,000 TOTAL DIRECT AND OVERLAPPING TAX AND ASSESSMENT DEBT $1,527,464,806 $32,679,787 DIRECT AND OVERLAPPING GENERAL FUND DEBT: San Diego County General Fund Obligations $415,240,000 0.475% $1,972,390 San Diego County Pension Obligations 853,514,739 0.475% 4,054,195 San Diego County Superintendent of Schools Obligations 21,187,500 0.475% 100,641 Southwestern Community College District General Fund Obligations 1,625,000 4.279% 69,534 Sweetwater Union High School District Certificates of Participation 10,480,000 5.133% 537,938 Chula Vista City School District Certificates of Participation 143,025,000 1.646% 2,354,192 City of National City Certificates of Participation 3,280,000 100% 3,280,000 TOTAL DIRECT AND OVERLAPPING GENERAL FUND DEBT $1,448,352,239 $12,368,890 COMBINED TOTAL DEBT $2,975,817,045 $45,048,677 2 ' Percentage of overlapping agency's assessed valuation located within boundaries of the city. Excludes tax and revenue anticipation notes, enterprise revenue, mortgage revenue and tax allocation bonds and non -bonded capital lease obligations. Ratios to 2009-10 Assessed Valuation: Direct Debt ($5,285,000) Total Direct and Overlapping Tax and Assessment Debt Ratios to Adjusted Assessed Valuation: Combined Direct Debt ($8,565,000) Combined Total Debt 0.17% 1.08% 0.52% 2.73% STATE SCHOOL BUILDING AID REPAYABLE AS OF 6/30/10: $0 AB:($450) Source : California Municipal Statistics, Inc. 140 CITY OF NATIONAL CITY Legal Debt Margin Information, Last Eight Fiscal Years Fiscal Year 2003 2004 2005 Assessed Valuation $ 1,836,172,913 $ 1,948,164,113 $ 2,063,075,166 Conversion Percentage 25% 25% 25% Adjusted Assessed Valuation 459,043,228 487,041,028 515,768,792 Debt Limit Percentage 15% 15% 15% Debt Limit 68,856,484 73,056,154 77,365,319 Total Debt (due more than one year) $ 59,221,743 $ 73,917,274 $ 72,916,217 Less: Non Bonded Debt Claims Payable (2,747,983) (4,670,000) Compensated Absences (2,604,810) (2,707,375) (2,107,129) Capitalized Lease Obligation (208,775) (154,034) Notes Payable (3,466,933) (3,328,141) (3,180,054) Total Applicable to Limitation 53,150,000 64,925,000 62,805,000 Legal Debt Margin 15,706,484 8,131,154 14,560,319 Total debt applicable to the limit as a percentage of debt limit 77% 89% 81% 141 Fiscal Year 2006 2007 2008 2009 2010 $ 2,355,008,346 $ 2,703,243,809 $ 2,923,482,096 $ 3,127,120,736 $ 3,030,591,425 25% 25% 25% 25% 25% 588,752,087 675,810,952 730,870,524 781,780,184 757,647,856 15% 15% 15% 15% 15% 88,312,813 101,371,643 109,630,579 117,267,028 113,647,178 $ 68,984,074 $ 65,688,525 $ 62,378,019 $ 59,224,556 $ 59,224,556 (1,705,127) (2,890,000) (2,578,000) (2,759,900) (4,286,256) (2,396,563) (1,062,113) (1,326,678) (1,356,431) (1,053,748) (1,655,335) (1,372,949) (1,099,735) (856,565) (682,943) (3,022,049) (2,853,463) (2,673,606) (2,481,662) (2,276,886) 60,205,000 57,510,000 54,700,000 28,107,813 51,769,998 50,924,723 43,861,643 54,930,579 65,497,030 62,722,455 68% 57% 50% 44% 45% 142 CITY OF NATIONAL CITY Pledged Revenue Coverage Last Eight Fiscal Years 2003 2004 2005 Revenue Property Tax Gross Incremental Revenue $ 7,739,209 $ 6,833,182 $ 7,682,979 Debt Service Requirements Principal Interest and fiscal charges Pass - through payments Debt Coverage 470,000 712,829 1,118,535 $ 2,301,364 3.36 Source : City of National City Comprehensive Financial Annual Reports 745,000 1,916,639 1,174,999 $ 3,836,638 1.78 815,000 3,758,688 1,244,621 $ 5,818,309 1.32 143 Fiscal Year 2006 2007 2008 2009 2010 $ 9,847,226 $ 10,834,596 $ 11,766,428 $ 11,790,224 $ 11,184,289 2,795,000 2,614,817 1,367,750 2,000,000 2,033,220 1,452,351 2,065,000 2,017,843 1,525,468 $ 6,777,567 $ 5,485,571 $ 5,608,311 1.45 1.98 2,140,000 1,883,148 1,553,258 2,225,000 1,806,370 7,395,921 $ 5,576,406 $ 11,427,291 2.10 2.11 0.98 CITY OF NATIONAL CITY Demographic and Economic Statistics Last Ten Fiscal Years Educational Attainment v Pct. of S.D. from Avg. % High % Bachelor's Per Capita Total County Previous Median Household School Degree or Pct. Below Unemployment Personal Personal Year Population Population Year Age Size Graduate Higher Poverty Rate Income (000s)* Income* 2001 54,463 1.9% 0.5% 28.6 3.49 n/a n/a n/a 8.4% $1,172,000 $21,520 2002 54,743 1.9% 0.5% 28.4 3.51 n/a n/a n/a 10.3% $1,165,400 $21,290 2003 55,608 1.9% 1.6% 28.6 3.53 n/a n/a n/a 10.4% $1,170,000 $21,040 2004 54,592 1.8% -1.8% 28.6 3.53 n/a n/a n/a 9.5% $1,178,300 $21,580 2005 55,710 1.8% 2.0% 28.4 3.52 n/a n/a n/a 8.7% $1,201,700 $21,570 2006 55,863 1.8% 0.3% 28.7 3.49 n/a n/a n/a 8.0% $1,258,800 $22,530 2007 56,063 1.8% 0.4% 28.9 3.58 62% 9% 23.9% 9.1% $1,290,100 $23,010 2008 56,320 1.8% 0.5% 29.0 3.59 66% 13% 23.0% 11.8% $1,279,800 $22,720 2009 56,730 1.8% 0.7% 29.1 3.66 n/a n/a n/a 18.5% $1,214,000 $21,400 2010 57,799 1.8% 1.9% 29.7 3.81 n/a n/a n/a n/a n/a n/a Sources: SANDAG, Current Estimates (Aug. 2010); California Department of Finance; California Employment Development Department; U.S. Census Bureau, Census 2000 and American Community Survey; U.S. Bureau of Economic Analysis Notes: *Dollar values are inflation -adjusted to 2009 145 City of National City Full-time Equivalent City Government Employees by Function/Program, Last Eight Fiscal Years Fiscal Year 2003' 2004' 20052 2006 2007 2008 2009 2010** Function/Program General Government City Clerk 2.03 2.03 3.03 3.03 3.16 3.16 3.16 3.16 City Manager 5.00 5.00 7.50 7.00 7.50 7.50 7.50 7.50 Risk Management 1.00 1.00 1.00 1.00 1.00 2.00 2.00 2.00 Management Information Systems 3.00 3.00 3.00 6.00 4.00 4.00 4.00 4.00 Finance 15.25 15.25 16.75 13.75 17.00 17.00 17.00 17.00 Purchasing 2.48 2.48 2.48 2.48 2.48 3.48 3.48 2.48 City Attorney 3.00 3.00 3.00 3.00 3.50 3.50 3.50 3.50 Human Resources 3.00 4.25 4.50 5.50 6.25 4.80 4.80 5.30 Community Development* 17.25 17.75 18.00 25.75 Planning 8.07 8.07 9.00 6.50 6.50 7.50 7.70 5.10 Building 8.50 8.15 13.63 15.00 4.00 4.00 4.00 4.40 Engineering 11.95 12.50 14.95 14.95 14.70 14.70 Redevelopment* 4.00 4.00 7.00 5.20 Advanced Planning/Economic Development* 1.00 5.50 2.40 2.75 Housing & Grants* 11.00 11.00 11.58 17.85 Neighborhood Services* 11.00 12.00 11.00 6.00 Public Works 48.43 47.45 51.27 51.27 51.25 51.00 50.00 51.00 Community Services 32.94 32.84 19.84 23.08 23.00 23.00 23.00 22.50 Nutrition Center 15.00 15.00 12.25 11.25 Library 20.81 19.56 19.56 21.41 25.91 25.91 31.18 28.51 Public Safetey Police 126.86 128.34 128.84 134.84 134.36 139.36 139.36 139.36 Fire 47.25 48.25 48.25 48.25 48.25 48.25 48.25 48.25 Transit' 45.00 43.00 43.00 43.00 Public Works & Engineering were considered one Department during FY 2003 and 2004. Parks Division is no longer included inder Community Services Department. It became a division of Public Works during FY 2005. 3 National City Transit is no longer managed by the City and is now operated by Metropolitan Transit System (MTS). * Prior to FY 2007 Redevelopment, Advanced Planning/Economic Development, Housing & Grants and Neighborhood Services were budgeted through the Community Development Commision. **The information listed above includes frozen positions that are currently vacant and unfunded. The City of National City had 27.50 FTE frozen for FY 2010. Sources: Based on annual City Budgeted personnel. N/A: Not available. 146 Employer CITY OF NATIONAL CITY Principal Employers, Current Year and Ten Years Ago 2010 2000 Percentage Percentage of Total City of Total City Employees Rank Employment Employees Rank Employment National School District 462 1 2.35% N/A 2 N/A Sweetwater Union High School District 400 2 2.04% N/A 4 N/A Walmart 400 3 2.04% N/A N/A NMS Management 300 4 1.53% Dixiline Pro Build 285 5 1.45% National City 275 6 1.40% N/A 6 N/A Ball Automotive Group 250 7 1.27% 7 Macy's 250 8 1.27% N/A N/A Motivational Systems Inc 245 9 1.25% Mossy Nissan National City 200 10 1.02% 5 Paradise Valley Hospital N/A 1 N/A General Motors Acceptance Corp N/A 3 N/A National City Ford N/A 8 N/A McCune Chrysler Plymouth N/A 9 N/A Ron Baker Chevrolet Isuzu N/A 10 N/A Sources: National City Finance Department, Dun & Bradstreet, Selectory.com 147 City of National City Operating Indicators by Function/Program, Last Eight Fiscal Years Fiscal Year 2003 2004 2005 2006 2007 2008 2009 2010 Function/Program Police Physical arrests N/A N/A N/A N/A 3,000 3,100 3,834 3,456 Parking violations N/A N/A N/A N/A 5,341 5,003 4,956 9,843 Traffic violations N/A N/A N/A N/A 1,941 2,450 3,154 3,491 Fire Emergency responses 4,868 5,667 5,532 5,342 5,402 5,497 5,394 5,165 Fires extinguished 173 227 178 184 170 158 118 140 Inspections N/A N/A 1,779 1,638 2,099 N/A N/A N/A Other public works Street resurfacing (miles) N/A N/A N/A N/A N/A N/A 17 25 Parks and recreation Athletic Yield permits issued b N/A N/A N/A N/A 24 24 24 17 Community center admissions N/A N/A N/A N/A 49,767 49,803 49,825 65,609 Library Volumes in collection 172,258 180,925 144,952 170,915 185,722 194,383 200,516 207,100 Total volumes borrowed 216,166 292,766 272,840 214,837 273,646 312,591 316,075 285,527 Wastewater Average daily sewage treatment (million gallons per day) N/A N/A N/A N/A 5.211 5.211 5.211 4.482 Sources: Various City Departments. N/A: Not available. 148 City of National City Capital Asset Statistics by Function/Program, Last Eight Calender Years Fiscal Year 2003 2004 2005 2006 2007 2008 2009 2010 Function/Program Police Stations 1 1 1 1 1 1 1 1 Zone offices 0 0 0 0 0 1 1 1 Patrol units N/A N/A N/A N/A N/A 38 38 38 Fire stations 2 2 2 2 2 2 2 2 Other public works Streets (miles) N/A 101 101 101 101 101 101 101 Highways (miles) a 6 6 6 6 6 6 6 6 Streetlights N/A N/A N/A N/A 1,673 1,723 1,725 1,730 Traffic signals 89 89 89 89 89 89 89 88 Parks and recreation Acreage 84 84 84 84 84 84 84 84 Playgrounds 4 4 4 4 4 4 4 4 Baseball/softball diamonds b 7 7 7 7 7 7 7 7 Soccer/football fields b 3 33 3 3 3 3 3 3 Community centers 5 5 5 5 5 5 5 5 Wastewater Sanitary sewers (miles) N/A 100 100 100 100 100 100 97 Storm sewers (miles) N/A 25.3 25.3 25.3 25.3 25.3 25.3 25.3 Treatment capacity (million gallons per day) 5.04 5.01 5.02 5.02 4.83 4.52 4.48 7.10 Sources: Various City Departments. N/A: Not available. 149