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Audit Report 09.30.2016City Of Okeechobee, Florida FINANCIAL STATEMENTS For Year Ended September 30, 2016 CRIcARR RIGGS & INGRAM CPAs and Advisors CRIcpa.com 1 blog.cricpa.com City of Okeechobee, Florida Table of Contents For the year ended September 30, 2016 Introductory Section Title Page 1 Table of Contents 2 City Officials 4 Financial Section Independent Auditors' Report 5 Management's Discussion and Analysis 9 Basic Financial Statements Government -wide Financial Statements • Statement of Net Position - Governmental Activities 19 • Statement of Activities - Governmental Activities 20 Fund Financial Statements Governmental Funds • Balance Sheet 21 • Statement of Revenues, Expenditures and Changes in Fund Balances — Governmental Funds 22 • Reconciliation of the Statement of Revenues, Expenditures and Changes in Fund Balances of Governmental Funds to the Statement of Activities 23 Fiduciary Funds (Component Units that are Fiduciary in Nature) • Statement of Fiduciary Net Position - Pension Trust Funds 24 • Statement of Changes in Fiduciary Net Position - Pension Trust Funds 25 Notes to Financial Statements 27 Required Supplementary Information Other Than Management's Discussion and Analysis • Schedule of Revenues, Expenditures and Changes in Fund Balances - Budget and Actual - General Fund 57 • Required Pension Supplementary Information — Schedule of Changes in Net Pension Liability and Related Ratios — Last Three Fiscal Years 58 • Required Pension Supplementary Information — Schedule of Investment Returns — Last Three Years 61 • Required Pension Supplementary Information — Schedule of Proportionate Share of the Net Pension Liability General Employees — Last Three Fiscal Years 62 • Required Pension Supplementary Information — Schedule of Contributions General Employees — Last Three Fiscal Years 63 • Required Other Postemployment Benefits Supplementary Information - Schedule of Funding Progress 64 • Notes to Required Supplementary Information 65 City of Okeechobee, Florida Table of Contents For the year ended September 30, 2016 Reports on Internal Control and Compliance Matters • Independent Auditors' Report on Internal Control Over Financial Reporting and on Compliance and Other Matters Based on an Audit of Financial Statements Performed in Accordance with Government Auditing Standards 67 • Independent Auditors' Management Letter 69 • Independent Accountants' Report on Compliance with Local Government Investment Policies O W ✓ S IN OM 71 WI r O M OW MN City of Okeechobee, Florida City Officials For the year ended September 30, 2016 James E. Kirk Mayor, Chairman Gary Ritter Noel A. Chandler Dowling R. Watford, Jr. Mike O'Connor Council Members John R. Cook City Attorney Marcos Montes De Oca City Administrator Lane Gamiotea City Clerk India Riedel Finance Director Herbert Smith Chief of Fire Denny Davis Chief of Police David Allen Director of Public Works CRI CARR RIGGS & INGRAM CPAs and Advisors INDEPENDENT AUDITORS' REPORT The Honorable Mayor and Members of the City Council of the City of Okeechobee, Florida Carr, Riggs & Ingram, LLC 215 Baytree Drive Melbourne, Florida 32940 (321) 255 -0088 (321) 259 -8648 (fax) www.cricpa.com We have audited the accompanying financial statements of the governmental activities, each major fund and the aggregate remaining fund information of the City of Okeechobee, Florida, as of and for the year ended September 30, 2016, and the related notes to the financial statements, which collectively comprise the City of Okeechobee, Florida's basic financial statements as listed in the table of contents. Management's Responsibility for the Financial Statements Management is responsible for the preparation and fair presentation of these financial statements in accordance with accounting principles generally accepted in the United States of America; this includes the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error. Auditor's Responsibility Our responsibility is to express opinions on these financial statements based on our audit. We did not audit the financial statements of the Police Officers' and Firefighters' Pension Trust Funds and the City of Okeechobee and Okeechobee Utilities Authority Employees' Retirement System, which represent 100% of the assets, net position and additions of the pension trust fiduciary funds. Those financial statements were audited by other auditors whose reports thereon have been furnished to us, and our opinion, insofar as it relates to the Police Officers' and Firefighters' Pension Trust Funds and the City of Okeechobee and Okeechobee Utilities Authority Employees' Retirement System is based on the reports of the other auditors. 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 from material misstatement. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor's judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity's internal control. Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinions. Opinions In our opinion, based on our audit and the reports of other auditors, the financial statements referred to above present fairly, in all material respects, the respective financial position of the governmental activities, each major fund and the aggregate remaining fund information of the City of Okeechobee, Florida, as of September 30, 2016, and the respective changes in financial position thereof for the year then ended in conformity with accounting principles generally accepted in the United States of America. Other Matters Required Supplementary Information Accounting principles generally accepted in the United States of America require that the management's discussion and analysis (pages 9 through 16), the budgetary comparison information (page 57 and page 65), and the pension and other postemployment benefits information (pages 58 through 64 and page 66) be presented to supplement the basic financial statements. Such information, although not a part of the basic financial statements, is required by the Governmental Accounting Standards Board who considers it to be an essential part of financial reporting for placing the basic financial statements in an appropriate operational, economic or historical context. We have applied certain limited procedures to the required supplementary information in accordance with auditing standards generally accepted in the United States of America, which consisted of inquiries of management about the methods of preparing the information and comparing the information for consistency with management's responses to our inquiries, the basic financial statements and other knowledge we obtained during our audit of the basic financial statements. We do not express an opinion or provide any assurance on the information because the limited procedures do not provide us with sufficient evidence to express an opinion or provide any assurance. Other Information Our audit was conducted for the purpose of forming opinions on the financial statements that collectively comprise the City of Okeechobee, Florida's basic financial statements. The introductory section is presented for purposes of additional analysis and is not a required part of the financial statements. The introductory section has not been subjected to the auditing procedures applied in the audit of the basic financial statements, and accordingly, we do not express an opinion or provide any assurance on it. Other Reporting Required by Government Auditing Standards In accordance with Government Auditing Standards, we have also issued our report dated June 15, 2017 on our consideration of the City of Okeechobee, Florida's internal control over financial reporting and on our tests of its compliance with certain provisions of laws, regulations, contracts, and grant agreements and other matters. The purpose of that report is 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 internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the City of Okeechobee, Florida's internal control over financial reporting and compliance. Melbourne, Florida June 15, 2017 THIS PAGE IS INTENTIONALLY LEFT BLANK. City of Okeechobee, Florida Management's Discussion and Analysis Our discussion and analysis of the City of Okeechobee, Florida's ( "the City's ") financial performance provides an overview of the City's financial activities for the year ended September 30, 2016. Please read it in conjunction with the City's basic financial statements, which immediately follow this discussion. FINANCIAL HIGHLIGHTS The following are highlights of financial activity for the year ended September 30, 2016: • The City's total assets exceeded its liabilities at September 30, 2016 by $18,531,230. • The City's total revenues were $6,256,191 for the year ended September 30, 2016, compared to total expenses of $6,765,017, which resulted in a $508,826 decrease in net position. OVERVIEW OF THE FINANCIAL STATEMENTS This discussion and analysis is intended to serve as an introduction to the City's basic financial statements. The basic financial statements are comprised of three components: 1) government - wide financial statements, 2) fund financial statements and 3) notes to basic financial statements. A. Government -Wide Financial Statements The government -wide financial statements, which consist of the following two statements, are designed to provide readers with a broad overview of the City's finances, in a manner similar to a private sector business. The statement of net position presents information on all of the City's assets and liabilities, with the difference between the two reported as net position. Over time, increases or decreases in net position may serve as a useful indicator of whether the financial position of the City is improving or deteriorating. The statement of activities presents information showing how the City's net position changed during the year. All changes in net position 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 in cash flows in future fiscal periods. The government -wide financial statements can be found on pages 19 and 20 of this report. B. Fund Financial Statements A fund is a grouping of related accounts that is used to maintain control over resources that have been segregated for specific activities or objectives. The City's funds can be divided into two fund types: governmental funds and fiduciary funds. City of Okeechobee, Florida Management's Discussion and Analysis B. Fund Financial Statements (Continued) Governmental funds. Governmental funds are used to account for essentially the same functions reported as governmental activities in the government -wide financial statements. However, unlike the government -wide financial statements, governmental fund financial statements focus on near - term inflows and outflows of spendable resources, as well as balances of spendable resources available at the end of the year. Such information may be useful in evaluating a government's near - term financing requirements. Because the focus of governmental funds is narrower than that of the government -wide financial statements, it is useful to compare the information presented for governmental funds with similar information presented for governmental activities in the government -wide financial statements. By doing so, readers may better understand the Tong -term impact of the City's near -term financing decisions. Both the governmental fund balance sheet and the statement of revenues, expenditures and changes in fund balances provide reconciliations to facilitate this comparison between governmental funds and governmental activities. The basic governmental fund financial statements can be found on pages 21 through 22 of this report. Fiduciary funds. Fiduciary funds are used to account for resources held for the benefit of parties outside the government. Fiduciary funds are not reflected in the government -wide financial statements because the resources of those funds are not available to support the City's own programs. The basic fiduciary fund financial statements can be found on pages 24 and 25 of this report. C. Notes to Basic Financial Statements The notes provide additional information that is essential for a full understanding of the data provided in the government -wide and fund financial statements. The notes to basic financial statements can be found on pages 27 through 53 of this report. all .r IMP MO NIP i IMP 1 1 City of Okeechobee, Florida Management's Discussion and Analysis GOVERNMENT -WIDE FINANCIAL ANALYSIS As noted earlier, net position may serve over time as a useful indicator of financial position. The following table reflects the condensed government -wide statement of net position. City of Okeechobee Statement of Net Position 2016 2015 Current and other assets $ 12,237,358 $ 12,949,325 Capital assets 7,885,166 7,766,652 Total assets 20,122,524 20,715,977 Deferred outflows 1,314,534 391,077 Current liabilities 390,514 274,525 Noncurrent liabilities 2,059,487 1,459,335 Total liabilities 2,450,001 1,733,860 Deferred inflows 455,827 333,138 Net position: Net investment in capital assets 7,885,166 7,766,652 Restricted 711,139 728,588 Unrestricted 9,934,925 10,544,816 Total net position $ 18,531,230 $ 19,040,056 Governmental Activities Total net position decreased by $508,826 primarily as a result of a $593,453 decrease in total assets, increase in deferred outflows of $923,457, a $716,141 increase of total liabilities, and an increase in deferred inflows of $122,689. The decrease in total assets was primarily due to a $711,967 decrease in current and other assets, which was primarily due to the reduction of the net pension asset by $634,330. This was offset by a $118,514 increase in capital assets. The increase in total liabilities was due to a $600,152 increase of noncurrent liabilities due mainly to increases in the net OPEB obligation of $368,911 and an increase in pension liability of $211,490. The net change in current and noncurrent liabilities was $716,141 as current liabilities increased by $115,989 related to timing of payables and non - current liabilities increased by $600,152 resulting from an increase in the compensated absences, net pension liability and OPEB obligation. City of Okeechobee, Florida Management's Discussion and Analysis The following table shows condensed revenue and expense data: City of Okeechobee, Florida Statement of Activities 2016 2015 REVENUES: Program revenues: Charges for services Operating grants and contributions Capital grants and contributions General revenues: Property taxes Public utility taxes Franchise fees Shared revenues Investment income and other $ 709,589 662,766 304,742 Total revenues 1,887,967 794,308 532,036 1,330,468 34,315 6,256,191 EXPENSES: General government Public safety Transportation Physical environment Economic development Culture and recreation Total expenses Change in net position 1,353,464 3,643,759 844,397 907,791 9,000 6,606 6,765,017 (508,826) $ 703,069 723,727 180,343 1,783,988 773,012 527,604 1,281,187 504,625 6,477,555 1,159,475 3,050,938 619,398 930,228 4,500 35,665 5,800,204 677,351 Net position, beginning October 1, Prior period adjustment for GASB 68 19,040,056 18,764,230 (401,525) Net position, ending $ 18,531,230 $ 19,040,056 The City experienced a decrease of 3.4% in total revenues — a $221,364 decrease to $6.25 million. The decrease is primarily due to a $291,322 decrease in general revenues and is offset by a $63,438 increase in capital and operating grants. An increase in the assessed taxable values and increased mileage rate of .25 were the contributory factors in the increase of property tax revenue of $103,979. Utility Tax revenues increased $21,296 based on higher consumer paid utilities. The Shared Revenue for the State of Florida (SRS) increased $49,281. The $470,310 decrease in investment income and other income is due primarily to the previous year receipted funds from a litigation settlement. The City experienced an increase of 16.6% in total expenses — a $964,813 increase to $6.76 million. The increase is primarily due to a $592,821 increase in expenses for public safety. The $224,999 increase in transportation expense also was a large contributor to the overall expenditures for the year. The combined increase in expenses and decrease in revenues resulted in a decrease in net position of $508,826. - 12 - City of Okeechobee, Florida Management's Discussion and Analysis FUND FINANCIAL ANALYSIS As noted earlier, the 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 near -term inflows, outflows and balances of spendable resources. Such information is useful in assessing the City's financing requirements. In particular, unassigned fund balance may serve as a useful measure of a government's net resources available for spending at the end of the fiscal year. As of the end of the current fiscal year, the City's governmental funds reported combined ending fund balances of $11,804,455 a decrease of $188,369 in comparison with the prior year. Approximately 80% of this total amount $8,903,808, constitutes unassigned fund balance, which is available for spending at the government's discretion. Assigned fund balances include $1,845,217 for subsequent year's expenditures, $316,020 for future capital projects. Public Facilities fund balance of $701,158 plus law enforcement $9,981 are restricted funds based on their specific stipulated purpose. The remainder of fund balance is non - spendable inventory of $28,271. The general fund is the chief operating fund of the City. At the end of the current fiscal year, assigned and unassigned fund balance of the general fund was $11,068,943 while total fund balance was $11,798,372. As a measure of the general fund's liquidity, it may be useful to compare both assigned and unassigned fund balance and total fund balance to total fund expenditures. The total assigned and unassigned fund balance and total fund balance represent approximately 171% and 182% respectively of total general fund expenditures. Revenues from grants were used in the construction of infrastructure and other improvements in the City. General Fund Budgetary Highlights The amount appropriated for expenditures in the original 15/16 budget decreased from $7,556,659 to $6,956,846 in the final 15/16 budget, a decrease of $599,813. The decrease in general government expenses, fire and police public safety expenses, physical environment expenses, transportation expenses and capital outlay largely contributed to the overall decrease in expenditures. City of Okeechobee, Florida Management's Discussion and Analysis CAPITAL ASSETS AND LONG -TERM LIABILITIES Capital assets. The City's investment in capital assets as of September 30, 2016, amounted to $7,885,166, (net of accumulated depreciation). This investment in capital assets includes land, buildings, improvements, equipment and construction in progress. During the year, the City's net capital asset balance increased $118,514. The City's major additions of $943,257 to capital assets during the current fiscal year included the following: • Replacement computers for (1) Administration; (3)- Police Department, (1) Fire Department, and (1) Public Works • Cameras (4) purchased for Police Department • Replaced (12) police vehicles including equipment and (1) additional vehicle for Administration • Equipment for Police Department including (1) Radar with remote and (1) Laser speed gun • Carpet and baseboard replacement within the Police Department • Communication system for Police Department and dispatch connectivity • M7 Air -pack systems (2) and SCBA bottles (6) for the Fire Department • (1) Thermal Imaging camera kit and (1) Spoke machine • (1) Tractor loader with attachments for Public Works • Various infrastructure improvements including the roadways and sidewalk improvements • Storm water retrofit (canal improvements) and drainage projects completed These additions were offset by depreciation expense of $551,687, and disposals with a net book value of $273,056, which largely relates to the sale of 12 police vehicles. City of Okeechobee, Florida Management's Discussion and Analysis City's Capital Assets (net of depreciation) 2016 2015 Land $ 1,378,744 $ 1,378,744 Construction in progress 31,021 1,248 Buildings 1,030,889 1,085,782 Improvements other than buildings 4,440,900 4,261,558 Equipment 1,003,612 1,039,320 Total $ 7,885,166 $ 7,766,652 Additional information on the City's capital assets can be found in Note 4.C. on page 38 of this report. Long -term Liabilities City's Outstanding Debt Long -term Liabilities Net OPEB obligation Compensated absences Net pension liability Total 2016 2015 1,375,989 $ 1,007,078 451,939 432,188 231,559 20,669 2,059,487 $ 1,459,335 The City's long -term liabilities increased by $600,152 during the current fiscal year. The largest contributing factor is the additional liability for the OPEB obligation of $368,911. This is the sixth year of implementation of GASB 45, which caused the increase in Net OPEB liability. The net pension liability increase was significant with an increase of $210,890. This is the second year of implementation of GASB 68. Additional information on the City's long -term debt can be found in Note 4.F. on page 39 of this report. ECONOMIC FACTORS AND NEXT YEAR'S BUDGET The City Council adopted a millage rate 7.9932 for budget year 2017. The adopted millage rate is more than 2.11% of the roll -back rate. A $48,205 increase in budgeted ad valorem revenue is largely due to the increase in current taxable values and new construction added to this years assessed tax rolls. Revenues for the fiscal year 2017 adopted budget for all funds of the City total approximately $6,379,923, a decrease from the prior year original budget of approximately $145,677. These revenues include the General, Public Facility, Capital Projects and Special Law Enforcement fund revenues. The change in revenue is based mostly on the expected decrease in grant funds provided for specific projects. - 15 - IIIIMIIIIIIIIIIIIIIIIMIIII City of Okeechobee, Florida Management's Discussion and Analysis Expenditures for the fiscal year 2017 adopted budget for all funds of the City total approximately $8,921,783, an increase of 1.7% or $147,876 from the prior year original budget. The increase in expenditures is based mostly on the increase in capital expenditures. REQUESTS FOR INFORMATION This financial report is designed to provide a general overview of the City of Okeechobee's finances for all those with an interest. Questions concerning any of the information provided in this report or requests for additional information should be addressed to the City of Okeechobee, 55 S.E. Third Avenue, Okeechobee, Florida 34974. BASIC FINANCIAL STATEMENTS THIS PAGE IS INTENTIONALLY LEFT BLANK. September 30, 2016 City of Okeechobee, Florida Statement of Net Position - Governmental Activities ASSETS Cash and cash equivalents $ 11,608,449 Accounts receivable 115,222 Due from other governments 485,416 Inventory 28,271 Capital assets: Nondepreciable Land 1,378,744 Construction in progress 31,021 Depreciable, net of accumulated depreciation Buildings 1,030,889 Improvements other than buildings 4,440,900 Equipment 1,003,612 Total assets 20,122,524 DEFERRED OUTFLOWS OF RESOURCES Deferred outflow - pensions 1,314,534 Total deferred outflows of resources 1,314,534 LIABILITIES Accounts payable 299,828 Accrued expenses 90,686 Noncurrent liabilities: Due within one year - compensated absences 20,220 Due in more than one year Compensated absences 431,719 Net pension liability 231,559 OPEB obligation 1,375,989 Total liabilities 2,450,001 DEFERRED INFLOWS OF RESOURCES Deferred inflow - business tax revenue 42,389 Deferred inflow - pensions 413,438 Total deferred inflows of resources 455,827 NET POSITION Net investment in capital assets 7,885,166 Restricted for: Law enforcement 9,981 Public facilities 701,158 Unrestricted 9,934,925 Total net position $ 18,531,230 The accompanying notes are an integral part of these financial statements. - 19 - Year ended September 30, 2016 City of Okeechobee, Florida Statement of Activities - Governmental Activities Functions /Programs Expenses Program Revenues Operating Capital Charges for Grants and Grants and Services Contributions Contributions Net (Expense) Revenue and Changes in Net Position General government Public safety Transportation Physical environment Economic environment Culture & recreation Total governmental activities $ 1,353,464 3,643,759 844,397 907,791 9,000 6,606 $ 621,250 33,388 54,951 $ - $ 300,000 1,791 3,494 660,975 1,248 $ (432,214) (3,605,086) (128,471) (906,543) (9,000) (6,606) $ 6,765,017 $ 709,589 $ 662,766 $ 304,742 (5,087,920) General revenues: Property taxes Public utility taxes Franchise fees Shared revenues not restricted to specific programs Unrestricted investment earnings Miscellaneous Total general revenues Change in net position Net position, beginning of year Net position, end of year 1,887,967 794,308 532,036 1,330,468 3,503 30,812 4,579,094 (508,826) 19,040,056 $ 18,531,230 The accompanying notes are an integral part of these financial statements. - 20 - September 30, 2016 ASSETS Cash and cash equivalents Accounts receivable Due from other funds Due from other governments Inventory Total assets City of Okeechobee, Florida Balance Sheet - Governmental Funds Appropriations Grant General Capital Project Nonmajor Funds Total Governmental Funds $ 11,564,078 115,222 336,033 185,416 28,271 $ 12,229,020 $ $ 44,371 $ 11,608,449 115,222 336,033 300,000 485,416 28,271 $ 300,000 $ 44,371 $ 12,573,391 LIABILITIES, DEFERRED INFLOWS AND FUND BALANCES Liabilities Accounts payable Accrued expenses Due to other funds Total liabilities Deferred inflows of resources: Deferred revenue - business tax revenue Fund balances: Nonspendable for: Inventory Restricted for: Public facilities Law enforcement Assigned for: Subsequent year's expenditures Future capital projects Unassigned Total fund balances Total liabilities, deferred inflows of resources and fund balances $ 297,573 $ 90,686 388,259 300,000 300,000 $ 2,255 $ 36,033 38,288 42,389 299,828 90,686 336,033 726,547 42,389 28,271 701,158 1,845,217 316,020 8,907,706 11,798,372 28,271 701,158 9,981 9,981 1,845,217 316,020 (3,898) 8,903,808 6,083 11,804,455 $ 12,229,020 $ 300,000 $ 44,371 Amounts reported for governmental activities in the statement of net position are different because: Net pension liability resulting from underfunding of the police officers' and firefighters' pension plan. (91,790) Deferred outflows of resources related to pension are not recognized in the governmental funds; however, they are recorded in the statement of net position under full accrual accounting. 1,314,534 Deferred inflows of resources related to pensions are not recognized in governmental funds; however, they are recorded in the statement of net position under full accrual accounting. (413,438) Capital assets used in governmental activities are not financial resources and, therefore, are not reported in the funds. 7,885,166 Long -term liabilities, including the net OPEB obligation, net pension liability and compensated absences, are not due and payable in the current period and, therefore, are not reported in the funds. Net position of governmental activities (1,967,697) $ 18,531,230 The accompanying notes are an integral part of these financial statements. -21- NA City of Okeechobee, Florida Statement of Revenues, Expenditures and Changes in Fund Balances Governmental Funds Year ended September 30, 2016 General Appropriations Total Grant Nonmajor Governmental Capital Project Funds Funds Revenues Taxes Intergovernmental Charges for services Permits and fees Contributions and donations Fines and forfeitures Investment earnings Miscellaneous Total revenues $ 2,653,485 2,254,311 442,215 652,246 5,997 34,534 3,503 24,815 6,071,106 300,000 $ - $ 300,000 $ 2,653,485 2,554,311 442,215 652,246 5,997 4,192 38,726 - 3,503 24,815 4,192 6,375,298 Expenditures Current: General government Public safety Transportation Physical environment Recreation Capital outlay Total expenditures Deficit of revenues under expenditures 1,168,946 3,368,506 1,065,204 217,890 6,606 638,515 6,465,667 (394,561) 9,000 300,000 309,000 - 1,168,946 1,157 3,369,663 - 1,065,204 33,843 260,733 6,606 938,515 35,000 6,809,667 (9,000) (30,808) (434,369) Other financing sources (uses) Transfers in Transfers out Proceeds from sale of capital assets Total other financing sources Net change in fund balances Fund balances, beginning of year Fund balances, end of year (38,965) 246,000 207,035 (187,526) 11,985,898 $ 11,798,372 $ 9,000 29,965 38,965 - (38,965) - 246,000 9,000 29,965 246,000 (843) (188,369) 6,926 11,992,824 $ 6,083 $ 11,804,455 The accompanying notes are an integral part of these financial statements. - 22 - MO MO NIP OW UM err City of Okeechobee, Florida Reconciliation of the Statement of Revenues, Expenditures and Changes in Fund Balances of Governmental Funds to the Statement of Activities Year ended September 30, 2016 Net change in fund balances - total governmental funds Amounts reported for governmental activities in the statement of activities are different because: Governmental funds report capital outlays as expenditures. However, in the statement of activities, the cost of those assets is allocated over their estimated useful lives as depreciation expense. This is the amount by which capital outlay exceeded depreciation in the current period. $ (188,369) 386,828 Donation of capital assets increase net assets in the statement of activities but are not reported in the governmental funds because they are not financial resource 4,742 In the statement of activities, only the gain (loss) on the sale of capital assets is reported. However, in the governmental funds, the proceeds from the sale increase financial resources. Thus, the change in net position differs from the change in fund balance by the net book value of the disposed capital assets. Cash pension contributions reported in the funds were less than the calculated pension expense on the statement of activities and therefore decrease net position. Other postemployment benefit obligation reported in the statement of activities does not require the -use of current financial resources; therefore, is not reported as an expenditure in governmental funds. Compensated absences are reported in the statement of activities when earned. As they do not require the use of current financial resources, they are not reported as expenditures on governmental funds until they have matured. This is the amount of compensated absences reported in the statement of activities in the prior year that has matured in the current year. (273,056) (50,309) (368,911) (19,751) Change in net position of governmental activities $ (508,826) The accompanying notes are an integral part of these financial statements. - 23 - City of Okeechobee, Florida Statement of Changes in Fiduciary Net Position - Pension Trust Funds September 30, 2016 Pension Trust Funds ASSETS Cash equivalents Investments: Mutual funds Common equity securities Receivables Accrued interest and dividends Due from other plans Total assets $ 397,114 15,424,894 6,864,459 238,746 6,848 5,884 22,937,945 LIABILITIES Accounts payable Total liabilities 74,495 74,495 NET POSITION Held in trust for pension benefits $ 22,863,450 The accompanying notes are an integral part of these financial statements. - 24 - UN City of Okeechobee, Florida Statement of Changes in Fiduciary Net Position - Pension Trust Funds Year ended September 30, 2016 Pension Trust Funds ADDITIONS Contributions: State $ 123,849 City 695,165 Employees 253,544 Total contributions 1,072,558 Investment earnings: Net appreciation in the fair value of investments Interest and dividends Total investment earnings Less investment expenses Net investment earnings ON MI Ell WO OP IMO Total additions DEDUCTIONS Benefits paid to participants Refunds on termination DROP payments Administrative expenses Total deductions Change in net position Net position held in trust for pension benefits, beginning of year Net position held in trust for pension benefits, end of year 1,199,071 584,780 1,783,851 (108,281) 1,675,570 2,748,128 649,666 43,270 252,832 126,457 1,072,225 1,675,903 21,187,547 $ 22,863,450 The accompanying notes are an integral part of these financial statements. - 25 - THIS PAGE IS INTENTIONALLY LEFT BLANK. City of Okeechobee, Florida Notes to Financial Statements NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES A. REPORTING ENTITY The City of Okeechobee (the "City ") was originally incorporated in 1915 and its present charter was adopted in 1919 under Chapter 8318 of Special Acts of 1919. The City operates under the council form of government and provides the following services: general government, public safety, transportation and physical environment. These financial statements present the primary government and its component units. Blended component units, although legally separate entities, are, in substance, part of the government's operations and so data from these units are combined with data of the primary government. Discretely presented component units are entities that are legally separate from the City, but whose relationship with the City are such that the exclusion would cause the City's financial statements to be misleading or incomplete. The City has no discretely presented component units. The City reports the following component units: Municipal Firefighters' Pension Trust Fund — The fund is under the supervision of a five member local independent Board of Trustees who are selected for office under the provisions of Florida Statutes, Chapter 175. The Board of Trustees cannot amend the provisions of the plan without the approval of the City Council. This plan covers all full -time firefighters of the City. The City funds the plan, according to any contribution deficit as determined by an actuarial valuation for the plan, beyond the contributions by employees and the State Insurance Premium Tax Contribution. It is accounted for in the Pension Trust funds. Municipal Police Officers' Pension Trust Fund — The fund is under the supervision of a five member local independent Board of Trustees who are selected for office under the provisions of Florida Statutes, Chapter 185. The Board of Trustees cannot amend the provisions of the plan without the approval of the City Council. This plan covers all full -time sworn officers of the City. The City funds the plan, according to any contribution deficit as determined by an actuarial valuation for the plan, beyond the contributions by employees and the State Insurance Premium Tax Contribution. It is accounted for in the Pension Trust funds. The City of Okeechobee and Okeechobee Utility Authority Employees' Retirement System — The fund is under the supervision of a five member local independent Board of Trustees. The Board of Trustees cannot amend the provisions of the plan without the approval of the City Council. This plan benefits the City general employees and the Okeechobee Utility Authority employees. The City and the Utility Authority fund the plan. It is accounted for in the Pension Trust funds in 2016 as the City does have fiduciary responsibility. \�a City of Okeechobee, Florida Notes to Financial Statements NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) B. GOVERNMENT -WIDE AND FUND FINANCIAL STATEMENTS The government -wide financial statements (i.e., the statement of net position and the statement of changes in net position) report information on all of the nonfiduciary activities of the primary government. Governmental activities are those which normally are supported by taxes and intergovernmental revenues. Likewise the primary government is reported separately from certain legally separate component units for which the primary government is financially accountable. The statement of activities demonstrates the degree to which the direct expenses of a given function are offset by program revenues. Direct expenses are those that are clearly identifiable with a specific function. Program revenues include 1) charges to customers or applicants who purchase, use or directly benefit from goods, services or privileges provided by a given function or segment and 2) grants and contributions that are restricted to meeting the operational or capital requirements of a particular function. Taxes and other items not properly included among program revenues are reported instead as general revenues. The government -wide financial statements are reported using the economic resources measurement focus and the accrual basis of accounting, as are the fiduciary fund financial statements. Revenues are recorded when earned and expenses are recorded when a liability is incurred, regardless of the timing of related cash flows. Property taxes are recognized as revenues in the year for which they are levied. Grants and similar items are recognized as revenue as soon as all eligibility requirements imposed by the provider have been met. C. MEASUREMENT FOCUS, BASIS OF ACCOUNTING, AND FINANCIAL STATEMENT PRESENTATION Governmental fund financial statements are reported using the current financial resources measurement focus and the modified accrual basis of accounting. Revenues are recognized as soon as they are both measurable and available. Revenues are considered to be available when they are collectible within the current period or soon enough thereafter to pay liabilities of the current period. For this purpose, the government considers revenues to be available if they are collected within 60 days of the end of the current fiscal period. Expenditures generally are recorded when a liability is incurred, as under accrual accounting. However, debt service expenditures, as well as expenditures related to compensated absences and claims and judgments, are recorded only when payment is due. Property taxes, franchise taxes, licenses, charges for services and interest associated with the current fiscal period are all considered to be susceptible to accrual and so have been recognized as revenues of the current fiscal period. All other revenue items are considered to be measurable and available only when cash is received by the government. NIP ION WO N IS INN ✓ INV O il ON IMO OM INN City of Okeechobee, Florida Notes to Financial Statements NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) C. MEASUREMENT FOCUS, BASIS OF ACCOUNTING, AND FINANCIAL STATEMENT PRESENTATION (Continued) The City reports the following major governmental funds: The general fund is the City's primary operating fund. It accounts for all financial resources of the general government, except those required to be accounted for in another fund. The appropriations grant capital project fund accounts for the financial resources related to the construction of infrastructure and other improvements in the City provided by specific grants and matching funds. The City reports the following nonmajor governmental funds: The FDOT grant capital project fund accounts for the financial resources related to the construction of infrastructure and other improvements to roadways, right -of -way of roads and /or medians of roads in the City. The community development capital project fund accounts for the assets, liabilities, revenues and expenditures related to the construction of infrastructure and other improvements in the City not including grant funds that are instead included in the appropriations grant capital project fund. The law enforcement special revenue fund accounts for the assets that are restricted to fund certain expenditures of the City's police department. Additionally, the City reports the following fund types: The pension trust fund account is used to account for assets held by the City in a fiduciary capacity for the general employees', police officers' and firefighters' pension plans. The funds are operated by carrying out specific terms of statutes, ordinances and other governing regulations. The effect of interfund activity has been eliminated from the government -wide financial statements. Amounts reported as program revenues include 1) charges to customers or applicants for goods, services or privileges provided, 2) operating grants and contributions and 3) capital grants and contributions. Internally dedicated resources are reported as general revenues rather than as pro- gram revenues. Likewise, general revenues include all taxes. Expenses for compensated absences are allocated based on the assigned function of the related employee. When both restricted and unrestricted resources are available for use, it is the City's policy to use restricted resources first, then unrestricted resources as they are needed. - 29 - City of Okeechobee, Florida Notes to Financial Statements NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) D. ASSETS, LIABILITIES, DEFERRED INFLOWS AND NET POSITION OR EQUITY 1. Cash and investments The investment of municipal funds is authorized by local ordinance and Florida Statutes, which allow the City to invest in the Local Government Surplus Funds Trust Fund or any intergovernmental investment pool authorized pursuant to the Florida Interlocal Cooperation Act, SEC registered money market funds with the highest credit quality rating, interest - bearing time deposits or savings accounts in qualified public depositories, direct obligations of the U.S. Treasury, commercial paper with certain ratings, pre- refunded municipal obligations, banker's acceptances maturing within one year, investment agreements, direct and general long -term and short -term obligations of any state with proper credit rating and full faith and credit pledge, municipal obligations with proper credit rating and repurchase agreements with maturities of 30 days or less with organizations with certain stipulations and requirements. The City invests certain surplus funds in an external investment pool, the Local Government Surplus Funds Trust Fund (the "State Pool "). The State Pool is administered by the Florida State Board of Administration ( "SBA "), who provides regulatory oversight. The Florida PRIME has adopted operating procedures consistent with the requirements for an investment pool under GASB 79 to be reported at amortized cost. The fair value of the City's position in the pool is equal to the value of pooled shares. The funds can with withdrawn at any time, and there are no unfunded commitments. The City pools the investments of its governmental funds. Investment earnings of the pool are allocated to the participating funds at the end of each month based on the ratio of each participant funds' investment to the total pooled investment. Cash and cash equivalents include cash deposits, cash funds held in broker accounts and investments held in the Local Government Surplus Funds Trust Fund (Florida PRIME). Within the firefighters', police officers' and general employees' pension trust funds, plan assets are managed by Bowen, Hanes and Company. The plans follow the investment guidelines as established within the ordinance. The pension trust funds are allowed to invest in the State Pool; obligations of the U.S. Government or agencies thereof; banking institutions within the state and other such institutions within the guidelines of the state statutes which are insured by the Federal Deposit Insurance Corporation; investments agreements; direct and general long -term obligations of any state with proper credit rating and full faith and credit pledge; municipal obligations with proper credit rating; annuity and life insurance contracts; bonds issued by the State of Israel; and stocks, bonds, and commingled funds administered by National or State banks or evidences of indebtedness issued or guaranteed by a corporation organized under the laws of the United States, provided that the corporation is listed on a nationally recognized exchange and holds proper credit ratings as set forth by a major credit rating service. These equity investments are not to exceed 60% of the assets of the pension trust funds on a cost basis. Temporary investment funds held by the custodian in a money market fund are classified as cash equivalents within the investment account. - 30 - City of Okeechobee, Florida Notes to Financial Statements NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) D. ASSETS, LIABILITIES, DEFERRED INFLOWS AND NET POSITION OR EQUITY (Continued) 1. Cash and investments (continued) Pension trust fund investments are reported at fair value. Short -term investments are reported at cost, which approximates fair value. Securities traded on a national or international exchange are valued at the last reported sales price. Shares of mutual funds, including proprietary funds and common and collective funds are valued at quoted market prices, which represent the net asset value of shares held by the pension trust fund at year end. Interest is recognized when earned. Gains and losses from the sale or exchange of investments are recognized on the transaction date. The difference between the excess of fair value over cost represents unrealized gains. 2. Receivables and payables All trade and property tax receivables are considered to be fully collectible. The City's property tax is levied annually on the real and personal property located in the City on January 1st of the prior year. Tax collections by the Okeechobee County tax collector begin in November of each year with a due date of March 31 of the following year. All property taxes remaining unpaid at May 30 are subject to a tax certificate sale. The City is permitted by State law to levy taxes up to 10 mills on assessed valuation. During a Special Session in June, 2007, the Florida Legislature adopted HB1B which limits municipal property tax rates beginning in the 2008 fiscal year. This legislation established reductions in the millage rate based on a calculated growth in per capita taxes between the 2002 and 2007 fiscal years. The Legislature did authorize local governments to use the rolled back millage rate if approved by a super majority vote of the governing body. The Okeechobee City Council levy for the fiscal year ended September 30, 2016 was 7.9932 mills, which is 0.04% more than the rolled back rate. The City Council determines the millage rates and adopts a tax levy by resolution prior to September 30 to fund the next ensuing fiscal year's budget. The assessment of all properties and collection of municipal taxes are provided by the County's Property Appraiser and Tax Collector. The ad valorem tax calendar is as follows: Lien date Levy date Due date Delinquent date 3. Inventory - January 1 - Prior to September 30 - November 1 - April 1 Inventories are valued at cost which approximates market, using the first -in /first -out (FIFO) method. The costs of inventories are recorded as expenditures when used (consumption method). City of Okeechobee, Florida Notes to Financial Statements NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) D. ASSETS, LIABILITIES, DEFERRED INFLOWS AND NET POSITION OR EQUITY (Continued) 4. Capital assets Capital assets, which include: property, plant, equipment and infrastructure assets (e.g., roads, bridges, sidewalks and similar items), are reported in the government -wide financial statements. Capital assets are defined by the government as assets with an initial, individual cost of more than $500 and an estimated useful life in excess of one year. Such assets are recorded at historical cost or estimated historical cost if purchased or constructed. Donated capital assets are recorded at estimated fair market value at the date of donation. The costs of normal maintenance and repairs that do not add to the value of the asset or materially extend assets' lives are not capitalized. Major outlays for capital assets and improvements are capitalized as projects are constructed. Property, plant and equipment are depreciated using the straight -line method over the following esti- mated useful lives: Assets Years Buildings 25 -60 Building improvements 12 -20 Vehicles 10 Equipment 5 -15 5. Compensated absences It is the City's policy to permit employees to accumulate earned but unused vacation and sick pay benefits. All sick and vacation pay is accrued when incurred in the government -wide financial statements. A liability for these amounts is reported in governmental funds only if they have matured, for example, as a result of employee resignations and retirements. 6. Deferred inflows and outflows of resources The deferred outflows and inflows related to pensions are an aggregate of items related to pensions as calculated in accordance with GASB Statement No. 68, Accounting and Financial Reporting for Pensions. Total deferred inflows of resources related to pensions were $413,438, and total deferred outflows were $1,314,534 for the year ended September 30, 2016. Note 5 -B includes a complete discussion of retirement commitments. Resources received before time requirements have been met, for example business tax revenues, are classified as deferred inflows of resources. ION ONO OM WO MN OP ON City of Okeechobee, Florida Notes to Financial Statements NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) D. ASSETS, LIABILITIES, DEFERRED INFLOWS AND NET POSITION OR EQUITY (Continued) 7. Long -term obligations In the government -wide financial statements, long -term debt and other long -term obligations are reported as liabilities in the statement of net position. In the governmental fund financial statements, the face amount of debt issued is reported as other financing sources. 8. Fund equity The governmental fund financial statements present fund balances based on classifications that comprise a hierarchy that is based primarily on the extent to which the City is bound to honor constraints on the specific purposes for which amounts in the respective governmental funds can be spent. The classifications used in the governmental fund financial statements are as follows: Nonspendable Fund Balance — Amounts that are (a) not in spendable form or (b) legally or contractually required to be maintained intact. "Not in spendable form" includes items that are not expected to be converted to cash (such as inventories and prepaid amounts) and items such as long- term amounts of loans and notes receivables, as well as property acquired for resale. The corpus (or principal) of a permanent fund is an example of an amount that is legally or contractually required to be maintained intact. Restricted Fund Balance — Amounts that can be spent only for specific purposes stipulated by (a) external resource providers such as creditors (by debt covenants), grantors, contributors or laws or regulations of other governments; or (b) imposed by law through constitutional provisions or enabling legislation. Committed Fund Balance — Amounts that can be used only for the specific purposes determined by a formal action (resolution) of the Council, the Council's highest level of decision making authority. Commitments may be changed or lifted only by the council taking the same formal action (resolution) that imposed the constraint originally. The City had no committed fund balance at year end. Assigned Fund Balance — Includes spendable fund balance amounts established by the City Administrator or the Council that are intended to be used for specific purposes that are neither considered restricted or committed. Unassigned Fund Balance — Unassigned fund balance is the residual classification for the general fund. This classification represents fund balance that has not been assigned to other funds and that has not been restricted, committed or assigned to specific purposes within the general fund. City of Okeechobee, Florida Notes to Financial Statements NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) D. ASSETS, LIABILITIES, DEFERRED INFLOWS AND NET POSITION OR EQUITY (Continued) 8. Fund equity (continued) Unassigned fund balance may also include negative balances for any governmental fund if expenditures exceed amounts restricted, committed or assigned for those specific purposes. The City would typically use restricted fund balances first, followed by committed resources and then assigned resources, as appropriate opportunities arise, but reserves the right to selectively spend unassigned resources first to defer the use of these other classified funds. E. CHANGE IN ACCOUNTING PRINCIPLE In February 2015, the Governmental Accounting Standards Board (GASB) issued Statement No. 72 Fair Value Measurement and Application, which provides guidance for determining a fair value measurement for financial purposes and applying fair value to certain investments and disclosures related to all fair value measurements. This Statement is effective for annual reporting periods beginning after June 15, 2015. The City has implemented the disclosure requirements of this Statement for the year ended September 30, 2016. See Note 4 -A. NOTE 2: RECONCILIATION OF GOVERNMENT -WIDE AND FUND FINANCIAL STATEMENTS A. EXPLANATION OF CERTAIN DIFFERENCES BETWEEN THE GOVERNMENTAL FUND BALANCE SHEET AND THE GOVERNMENT -WIDE STATEMENT OF NET POSITION The governmental fund balance sheet includes reconciliation between fund balance -total governmental funds and net position - governmental activities as reported in the government -wide statement of net position. One element of that reconciliation states that "long -term liabilities, including the net OPEB obligation and compensated absences, are not due and payable in the current period and, therefore, are not reported in the funds." The details of this $(1,967,697) difference are as follows: Net OPEB obligation Compensated absences Net pension liability Net adjustment to reduce fund balance - total governmental funds to arrive at net position - governmental activities $ (1,375,989) (451,939) (139,769) $ (1,967,697) City of Okeechobee, Florida Notes to Financial Statements NOTE 2: RECONCILIATION OF GOVERNMENT -WIDE AND FUND FINANCIAL STATEMENTS (Continued) B. EXPLANATION OF CERTAIN DIFFERENCES BETWEEN THE GOVERNMENTAL FUND STATEMENT OF REVENUES, EXPENDITURES AND CHANGES IN FUND BALANCES AND THE GOVERNMENT -WIDE STATEMENT OF ACTIVITIES The governmental fund statement of revenues, expenditures and changes in fund balances includes a reconciliation between net changes in fund balances - total governmental funds and changes in net position of governmental activities as reported in the government -wide statement of activities. One element of that reconciliation explains that "governmental funds report capital outlays as expenditures. However, in the statement of activities, the cost of those assets is allocated over their estimated useful lives as depreciation expense." The details of this $391,570 difference are as follows: Capital outlay Depreciation expense Net adjustment to increase net changes in fund balances - total governmental funds to arrive at changes in net position of governmental activities $ 938,515 (551,687) $ 386,828 NOTE 3: STEWARDSHIP, COMPLIANCE AND ACCOUNTABILITY A. BUDGETARY INFORMATION As permitted by GASB Statement No. 34, Basic Financial Statements and Management Discussion and Analysis for State and Local Governments, the City has elected to disclose all budgetary information in the notes to the required supplementary information. NOTE 4: DETAILED NOTES ON ALL FUNDS A. DEPOSITS AND INVESTMENTS At September 30, 2016, the City's carrying amount of deposits was $11,608,073 and the bank balance was $11,810,179. In addition, the City maintained $324 of petty cash. As of September 30, 2016, $250,000 of the City's bank balances is covered by federal depository insurance (FDIC). Monies invested in amounts greater than the insurance coverage are secured by the qualified public depositories pledging securities with the State Treasurer in such amounts required by the Florida Security for Public Depositories Act. In the event of a default or insolvency of a qualified public depositor, the State Treasurer will implement procedures for payment of losses according to the validated claims of the City pursuant to Section 280.08, Florida Statutes. City of Okeechobee, Florida Notes to Financial Statements NOTE 4: DETAILED NOTES ON ALL FUNDS (Continued) A. DEPOSITS AND INVESTMENTS (Continued) Fair Value GASB 72, Fair Value Measurements, establishes a framework for measuring fair value. That framework provides a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under GASB 72 are described as follows: Level 1: Inputs to the valuation methodology are unadjusted quoted prices for identical assets or liabilities in active markets that the plan has the ability to access. Level 2: Inputs to the valuation methodology include • quoted prices for similar assets or liabilities in active markets; • quoted prices for identical or similar assets or liabilities in inactive markets; • inputs other than quoted prices that are observable for the asset or liability; • inputs that are derived principally from or corroborated by observable market data by correlation or other means. If the asset or liability has a specified (contractual) term, the level 2 input must be observable for substantially the full term of the asset or liability. Level 3: Inputs to the valuation methodology are unobservable and significant to the fair value measurement. The asset or liability's fair value measurement level within the fair value hierarchy is based on the lowest level of any input that is significant to the fair value measurement. Valuation techniques used need to maximize the use of observable inputs and minimize the use of unobservable inputs. The following is a description of the valuation methodologies used for assets measured at fair value. There have been no changes in the methodologies used at September 30, 2016. Level 1 investments noted in the following table are valued at quoted market prices. Level 2 investments noted in the following table are valued at quoted prices for similar liabilities in active markets. The money market fund and SBA are valued at amortized cost. They can be redeemed daily, and have no unfunded commitments. NW • OW City of Okeechobee, Florida Notes to Financial Statements NOTE 4: DETAILED NOTES ON ALL FUNDS (Continued) A. DEPOSITS AND INVESTMENTS (Continued) At September 30, 2016, the City had the following investments and effective duration presented in terms of years and levels: Investment type Investment Maturities (in years) Fair Value Less than 1 1 - 5 M ore 6 - 10 than 10 Rating gency Level Primary government: SBA (Florida Prime) $ 52 $ 52 $ - $ - $ - AAAm S &P Pension trust funds: Money market fund $ 397,114 $ 397,114 $ - $ - $ Not rated - Mutual funds- equities 6,513,983 6,513,983 - - - Not rated - L1 .r Mutual funds- fixed income 8,910,911 - 8,910,911 BBB - AA S &P L2 Common equity securities 6,864,459 6,864,459 - - Not rated - L1 $ 22,686,467 $13,775,556 $ - $ 8,910,911 $ - ■r WO ■r i Credit risk Fixed income securities have inherent financial risks, including credit risk and interest rate risk. Credit risk for fixed income securities is the risk that the issuer will not fulfill its obligations. The City's investment policy and the investment policies for the firefighters', police officers' and general employees' pension trust funds limit investments to securities with specific ranking criteria. Interest rate risk Interest rate risk exists when there is a possibility that changes in interest rates could adversely affect an investment's fair value. In accordance with Florida Statute 218.415(6), the City's policy is to match investment maturities with known cash needs and anticipated cash flow requirements. The City's pension trust funds do not address interest rate risk. Concentration of credit risk "" Concentration of credit risk is an increased risk of loss that occurs as more investments are acquired from one issuer (i.e. lack of diversification). The City's investment policy and the investment policies for the firefighters', police officers' and general employees' pension trust funds do not specifically address concentration of credit risk. Foreign currency risk The City's firefighters', police officers' and general employees' pension trust funds contain investments in foreign corporate bonds; however, all of the investments are denominated in U.S. dollars and are not exposed to foreign currency risk. - 37 - NOTE 4: DETAILED NOTES ON ALL FUNDS (Continued) B. RECEIVABLES Receivables as of September 30, 2016 are as follows: General Fund Municipal Police Officers' Pension Trust City of Okeechobee, Florida Notes to Financial Statements Municipal Firefighters' Pension Trust General Employees Pension Trust Franchise /Utility taxes $ 99,739 Contributions Other 15,483 Receivables, net $ 115,222 117,355 117,355 $ 29,888 $ 29,888 $ 91,503 $ 91,503 C. CAPITAL ASSETS Capital asset activity for the year ended September 30, 2016 was as follows: Beginning Balance Increases Decreases Ending Balanc 1 1 1 1 1 1 1 1 1 Governmental activities: Capital assets, not being depreciated: Land Construction in progress Total capital assets, not being depreciated $1,378,744 $ 1,248 1,379,992 Capital assets, being depreciated: Buildings Improvements other than buildings Equipment Total capital assets, being depreciated 1,972,752 7,123,161 2,771,792 11,867,705 $ - $ 1,378,744 31,021 (1,248) 31,021 31,021 (1,248) * 1,409,765 8,505 456,480 447,251 912,236 ** Less accumulated depreciation for: Buildings Improvements other than buildings Equipment Total accumulated depreciation (886,970) (2,861,603) (1,732,472) (5,481,045) (63,398) (277,138) (211,151) (551,687) Total capital assets, being depreciated, net 6,386,660 360,549 Governmental activities capital assets, net $ 7,766,652 $ 391,570 * Construction in progress was disposed of and not placed in service. ** Includes $4,742 of donated assets. - 38 - 1,981,257 7,579,641' (304,782) 2,914,261 (304,782) 12,475,159 (950,368) (3,138,741)1 32,974 (1,910,649) 32,974 (5,999,758)' (271,808) 6,475,401 $ (273,056) $ 7,885,1661 1 1 IIMIIMINIIIMIMII City of Okeechobee, Florida Notes to Financial Statements NOTE 4: DETAILED NOTES ON ALL FUNDS (Continued) D. CAPITAL ASSETS (Continued) Depreciation expense was charged to functions /programs of the government as follows: Governmental activities: General government Public safety Physical environment Total depreciation expense - governmental activities $ 76,059 168,210 307,418 $ 551,687 E. INTERFUND RECEIVABLES, PAYABLES AND TRANSFERS Interfund loans of $336,033 for short term operating purposes resulted in a due to the General fund from the Appropriations Grant Capital Project fund of $300,000 and from the nonmajor Community Development Capital Project fund of $36,033. All amounts are expected to be repaid within one year. During the year ended September 30, 2016, the General fund transferred $9,000 to the Appropriations Grant Capital Project fund, $20 to the nonmajor FDOT Grant Capital Project fund, and $29,945 to the nonmajor Community Development Capital Project fund for a total of $38,965. The transfers represented engineering costs for the respective partially grant funded capital projects. F. CHANGES IN LONG -TERM LIABILITIES Long -term liability activity for the year ended September 30, 2016, was as follows: Governmental activities: Compensated absences Net OPEB obligation Net pension liability Long -term liabilities Beginning Balance Ending Due Within Additions Reductions Balance One Year $ 432,188 $ 222,772 $ (203,021) $ 451,939 $ 20,220 1,007,078 385,151 (16,240) 1,375,989 - 20,069 623,040 (411,550) 231,559 - $ 1,459,335 $ 1,230,963 $ (630,811) $ 2,059,487 $ 20,220 For the governmental activities, compensated absences are generally liquidated by the general fund. City of Okeechobee, Florida Notes to Financial Statements NOTE 5: OTHER INFORMATION A. RISK MANAGEMENT The City is exposed to various risks of loss, including, but not limited to theft, damage or destruction of its buildings, equipment, records and monetary assets, and liability for personal injury, property damage and consequences of employee and public official actions. The City participates in a non - assessable public risk pool to cover significant loss exposure and purchases commercial insurance for third party pollution liability coverage. The pool maintains a loss reserve and purchases specific excess insurance, aggregate excess insurance and multiple loss coverage from commercial carriers and underwriters. B. RETIREMENT COMMITMENTS — DEFINED BENEFIT PLANS Plan Descriptions — The City contributes to two single - employer defined benefit pension plans: City of Okeechobee Municipal Police Officers' Pension Trust Fund and City of Okeechobee Municipal Firefighters' Pension Trust Fund (the "Plans "). The Plans provide retirement, disability and death benefits to plan members and their beneficiaries. Chapters 185 and 175 of the Florida Statutes establish the minimum benefits and the minimum standards for the operation and funding of the Police Officers' and the Firefighters' Municipal Pension Trust Funds, respectively. Per City Ordinances Nos. 750 and 749, sole responsibility for administering the Plans is vested in the Board of Trustees of each plan. The Boards cannot amend the provisions of the plans without the approval of the City. The Plans issue publicly available financial reports that include financial statements and required supplementary information. The reports are available from the City of Okeechobee, Florida, 55 S.E. Third Avenue, Okeechobee, Florida 34974. At September 30, 2016, the Police Officers' plan included 12 retirees or beneficiaries either receiving or entitled to receive benefits, including 1 disability retiree and 2 survivor beneficiaries. The Police Officers' plan also includes no terminated members with vested benefits, and has 3 DROP participants. There are 16 active current employees of which 11 are vested and 5 are non - vested. At September 30, 2016, the Firefighters' plan included 4 retirees receiving or entitled to receive benefits, including 1 beneficiary receiving benefits. The Plan also included 1 terminated vested members entitled to receive benefits. There are 12 active current employees of which 4 are vested and 8 are non - vested. Funding Policies — The contribution requirements of plan members and the City are established and may be amended by City ordinance. Plan members are required to contribute 5% of their annual covered salary for the Police Officers' and Firefighters' Municipal Trust Funds. The City is required to contribute an amount equal to the difference in each year between the total aggregate member contributions for the year, plus state contributions for such year, and the normal cost for the year, as shown by the most recent actuarial valuation of the plan; the current contribution rate as a percentage of covered payroll is 16.62% for the Police Officers' plan and 17.57% for the Firefighters' plan. ir. • • • IMO • • • • • City of Okeechobee, Florida Notes to Financial Statements NOTE 5: OTHER INFORMATION (Continued) B. RETIREMENT COMMITMENTS — DEFINED BENEFIT PLANS (Continued) The City recognized as revenues and expenditures on- behalf payments relating to pension contributions for its public safety employees that the State of Florida paid to the Police Officers' and Firefighters' Plans in the amounts of $73,960 and $49,889, respectively. These contributions are funded by an excise tax upon certain casualty insurance companies on their gross receipts of premiums from policy holders. The City and employees contributions for the year ended September 30, 2016, are as follows: Police Officers' Firefighters' City $ 149,981 $ $ 92,919 $ Employees 43,958 26,442 Plan Investment Policies and Allocation of Plan Investments - Florida statutes and the plan investment policy authorize the Trustees to invest funds in various investments. The general investment objective of the fund is to preserve the purchasing power of the fund's assets and earn a reasonable rate of return (after inflation) over the long term while minimizing, to the extent reasonable, the short term volatility of returns. Best estimates of arithmetic real rates of return for each major asset class included in the pension plan's target asset allocation as of September 30, 2016, and the current target and actual allocation of these investments at market, per the performance analysis report, is as follows as of September 30, 2016: I nvestments Domestic Equity International Equity Fixed Income Cash Equivalents Total Police Officers Actual Percent 44.9% 14.6% 39.4% 1.1% 100.00% Target Percent 45.0% 15.0% 40.0% 0.0% 100.00% Investments Domestic Equity International Equity Fixed Income Cash Equivalents Total Firefighters Actual Percent 43.8% 14.7% 39.5% 2.0% 100.00% Target Percent 45.0% 15.0% 40.0% 0.0% 100.0% City of Okeechobee, Florida Notes to Financial Statements NOTE 5: OTHER INFORMATION (Continued) B. RETIREMENT COMMITMENTS — DEFINED BENEFIT PLANS (Continued) Money - Weighted Rate of Return - For the year ended September 30, 2016, the annual money - weighted rate of return on the Police Officers' pension plan investments was (7.59 %) and on the Firefighters' pension plan investments was (6.83 %). The money - weighted rate of return expresses investment performance, net of plan investment expenses, as adjusted for the changing amounts actually invested on a monthly basis. Net Pension Liability —The City's net pension liability was measured as of September 30, 2015, and the total pension liability used to calculate net pension liability was determined by an actuarial valuation as of September 30, 2016 for the Police Officers' and Firefighters pension plan. Total Pension Liability Service cost Interest Difference between actual & expected experience Assumption changes Benefit payments Refunds Net change in total pension liability Total pension liability - beginning Total pension liability - ending (a) Police Officers' $ 247,353 506,147 (219,850) 94,065 (203,855) (321) 423,539 7,334,873 $ 7,758,412 Firefighters' $ 144,773 213,154 (19, 771) 49,797 (96,939) 291,014 2,991,119 $ 3,282,133 Plan Fiduciary Net Position Contributions - employer (from City) Contributions - employer (from State) Contributions - members Net investment income Benefit payments Refunds Administrative expense Other Net change in plan fiduciary net position Plan fiduciary net position - beginning Plan fiduciary net position - ending (b) Police Officers' $ 192,581 70,807 47,740 (95,964) (203,855) (321) (30,198) 3,886 (15,324) 7,706,664 7,691,340 Firefighters' $ 92,863 52,662 26,324 (44,021) (96,939) (27,132) Net pension liability (asset) - Ending (a) - (b) $ 67,072 $ 3,757 3,253,658 3,257,415 24,718 Plan fiduciary net position as a percentage or Total Pension Liability 99.14% 99.25% MIIMINIIIIIIIIIIMMI City of Okeechobee, Florida Notes to Financial Statements NOTE 5: OTHER INFORMATION (Continued) B. RETIREMENT COMMITMENTS — DEFINED BENEFIT PLANS (Continued) For the year ending September 30, 2016, the City recognized a pension expense of $253,175 for the Police Officers' Plan and $164,953 for the Firefighters' Plan. On September 30, 2016 the Sponsor reported deferred outflows of resources and deferred inflow of resources related to pensions from the following sources: Police Officers' Deferred Deferred Outflow of Inflow of Resources Resources Difference between expected and actual experience $ - $ 180,371 Change in assumptions 76,962 - Net difference between projected and actual earnings on pension plan investments 510,602 123,730 Contributions subsequent to the measurement date 147,312 - Total $ 734,876 $ 304,101 Firefighters' Deferred Deferred Outflow of Inflow of Resources Resources Difference between expected and actual experience $ - $ 17,885 Change in assumptions 43,649 Net difference between projected and actual earnings on pension plan investments 218,759 67,975 Contributions subsequent to the measurement date 97,709 Total $ 360,117 $ 85,860 Deferred outflows of $245,021 resulting from City contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the fiscal year end September 30, 2016. Amounts reported as deferred outflows of resources and deferred inflows of resources related to pension will be recognized in pension expense as follows: Police Officers' Year ended September 30: 2017 $ 63,392 2018 63,392 2019 63,394 2020 104,720 2021 (11,435) Total $ 283,463 City of Okeechobee, Florida Notes to Financial Statements NOTE 5: OTHER INFORMATION (Continued) B. RETIREMENT COMMITMENTS — DEFINED BENEFIT PLANS (Continued) Firefighters' Year ended September 30: 2017 $ 35,646 2018 35,646 2019 35,645 2020 58,303 2021 3,614 Thereafter 7,694 Total $ 176,548 Expected Long -Term Rate of Return - The long -term expected rate of return on pension investments was determined using a building -block method in which best estimate ranges of future real rates of return (expected returns, net of pension plan investment expenses and inflation) are developed for each major asset class. These ranges are combined to produce the long -term expected rate of return by weighting the expected future real rates of return by the target asset allocation percentage and by adding expected inflation (2.5 %). Best estimates of arithmetic real rates of return for each major asset class included in the pension plan's target asset allocation as of September 30, 2016 are summarized as follows: Police Officers' Percent Long -Term Investments - Target Rate of Return* Domestic Equity 45.0% 7.5% International Equity 15.0% 8.5% Fixed Income 40.0% 2.5% Cash Equivalents 0.0% 0.0% Total 100.00% *Net of long -term inflation assumptions 2.5% Firefighters' Percent Long -Term Investments Target Rate of Return* Domestic Equity 45.0% 7.5% International Equity 15.0% 8.5% Fixed Income 40.0% 2.5% Cash Equivalents 0.0% 0.0% Total 100.00% *Net of long -term inflation assumptions 2.5% INN r NOTE 5: OTHER INFORMATION (Continued) City of Okeechobee, Florida Notes to Financial Statements .1/ B. RETIREMENT COMMITMENTS — DEFINED BENEFIT PLANS (Continued) r. Discount Rate - The projection of cash flows used to determine the discount rate assumed that plan member contributions will be made at the current contribution rate and that sponsor contributions will be made at rates equal to the difference between actuarially determined contribution rates and the member rate. Based on those assumptions, the pension plan's fiduciary net position was projected to be available to make all projected future benefit payments of current plan members. Therefore, the long -term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to determine the total pension liability. Sensitivity of the Net Pension Liability to Changes in Discount Rate - The following presents the pension liability of the City, calculated using the discount rate of 7 %, as well as what the City's net pension liability would be if it were calculated using a discount rate that is 1% lower (6 %) or 1% higher (8 %) than the current rate: Police Officers 1% Decrease 6.00% Sponsor's net pension liability (asset) $ 1,005,029 $ Firefighters Current Discount 1% Increase 7.00% 8.00% 67,072 $ (711,898) 1% Decrease 6.00% Sponsor's net pension liability (asset) $ 462,996 $ Current Discount 1% Increase 7.00% 8.00% 24,718 $ (339,935) The City of Okeechobee and Okeechobee Utility Authority Employees' Retirement System Plan Description - The City contributes to the City of Okeechobee and Okeechobee Utility Authority Employees' Retirement System (the "System "), a cost - sharing multiple employer defined benefit pension plan administered by the System's Board of Trustees. Substantially all of the City's general employees and the employees of the Okeechobee Utility Authority participate in this public employee retirement system. The System was established by City Ordinance No. 655, as amended and restated by City Ordinance No. 686. The System provides retirement, disability and death benefits to plan members and their beneficiaries. The Board of Trustees is authorized by City Ordinance No. 686 to establish and amend all plan provisions. The System issues a publicly available financial report that includes financial statements and required supplementary information. That report is available from the City of Okeechobee, Florida, 55 S.E. Third Avenue, Okeechobee, Florida 34974. At September 30, 2016, the Plan included 30 retirees and /or beneficiaries currently receiving benefits plus 1 disability retiree and 6 terminated employees entitled to benefits but not yet receiving them, and 2 DROP participants. There are 75 active current employees (City — 25, OUA — 50) in the Plan, of which 44 are vested and 31 are non - vested. - 45 - City of Okeechobee, Florida Notes to Financial Statements NOTE 5: OTHER INFORMATION (Continued) B. RETIREMENT COMMITMENTS — DEFINED BENEFIT PLANS (Continued) Funding Policy - The contribution requirements of the plan members and the City are established and may be amended by City ordinance. Plan members are required to contribute 6% of their covered annual salary. The City is required to contribute at an actuarially determined rate; the current rate is 5.39% of covered payroll. The City elected to fund the plan based on the initially calculated higher rate of 12.75 %. The City's contributions for the years ended September 30, 2016 and 2015 were $116,529 and $105,633, respectively and were equal to the required contributions for each year. For the year ending September 30, 2016, the City reported a liability of $139,769 for its proportionate share of the Pension Plan's net pension liability. The net pension liability was measured as of September 30, 2015, and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of October 1, 2014. The City's proportionate share of the net pension liability was based on the City's December 2, 2015 portion of the employer's total required contribution. At September 30, 2016 the City's proportionate share was 12 %. Money - Weighted Rate of Return - The annual money - weighted rate of return on plan investments (calculated as the internal rate of return on plan investments, net of plan investment expense) was (7.78 %) for the year ended September 30, 2016. The money- weighted rate of return expresses investment performance, net of plan investment expenses, as adjusted for the changing amounts actually invested on a monthly basis. For the year ending September 30, 2016 the City recognized a pension expense of $53,240 for the General Employees' Retirement Plan. On September 30, 2016, the Sponsor reported deferred outflows of resources and deferred inflow of resources related to pensions from the following sources: General Deferred Deferred Outflow of I nflow of Resources Resources Difference between expected and actual experience $ 3,680 $ Change in assumptions 20,048 Net difference between projected and actual earnings on pension plan investments 79,284 Contributions subsequent to the measurement date 116,529 Total $ 219,541 $ 23 23,454 23,477 MIN NOTE 5: OTHER INFORMATION (Continued) City of Okeechobee, Florida Notes to Financial Statements .r. B. RETIREMENT COMMITMENTS — DEFINED BENEFIT PLANS (Continued) MO MO MO MO Deferred outflows of $116,529 resulting from City contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the fiscal year ended September 30, 2016. Amounts reported as deferred outflows of resources and deferred inflows of resources related to pension will be recognized in pension expense as follows: General Year ended September 30: 2017 $ 15,826 2018 15,826 2019 15,826 2020 23,644 2021 3,824 Thereafter 4,589 Total $ 79,535 Plan Investment Policies and Allocation of Plan Investments - Florida statutes and the plan investment policy authorize the Trustees to invest funds in various investments. The general investment objective of the fund is to preserve the purchasing power of the fund's assets and earn a reasonable rate of return (after inflation) over the long term while minimizing, to the extent reasonable, the short term volatility of returns. The long term expected rate of return on pension plan investments was determined using a building -block method in which best estimate ranges of expected future real rates of return (expected returns, net of pension plan investment expenses and inflation) are developed for each major asset class. These ranges are combined to produce the long term expected rate of return by weighting the expected future real rates of return by the target asset allocation percentage and by adding expected inflation. Best estimates of arithmetic real rates of return for each major asset class included in the pension plan's target asset allocation and actual allocation as of September 30, 2016 are summarized in the following table: Percent Percent Long -Term Investments Actual Target Rate of Return* Domestic Equity 49.8% 50.0% 7.5% International Equity 9.6% 10.0% 8.5% Fixed Income 39.5% 40.0% 2.5% Cash Equivalents 1.1% 0.0% 0.0% Total 100.00% 100.00% 5.6% *Net of Tong -term inflation assumptions 2.5% City of Okeechobee, Florida Notes to Financial Statements NOTE 5: OTHER INFORMATION (Continued) B. RETIREMENT COMMITMENTS — DEFINED BENEFIT PLANS (Continued) Discount Rate - The discount rate used to measure the total pension liability was 7.00 %. The Pension Plan's fiduciary net position was projected to be available to make all projected future benefit payments of the current plan members. Therefore, the long -term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to determine the total pension liability. Sensitivity of the City's Proportionate Share of the Net Pension Liability to Changes in Discount Rate — The following represents the City's proportionate share of the net pension liability calculated using the discount rate of 7.00% as well as what the City's proportionate share of the net pension liability would be if it was calculated using a discount rate that is one percentage point lower (6.00 %) or one percentage point higher (8.00 %) than the current rate: 1% Decrease 6.00% Rate Assumption 7.00% 1% Increase 8.00% City's proportionate share of the net pension liability (asset) $ 324,002 $ 139,769 $ (15,654) Actuarial Assumptions — The total pension liability was determined by an actuarial valuation as of October 1, 2014 using the following actuarial assumptions applied to all measurement periods. Fire Police General Actuarial Cost Method Inflation Salary Increases Investment Rate of Return Retirement Age Mortality Entry Age Normal 2.75% 7.00% 7.00% 100% when first eligible for Normal Retirement or DROP entry RP -2000 Combined Healthy Participant Mortality Table for males and females with mortality improvement projected to all future years after 2000 using scale AA. Entry Age Normal 2.75% 6.00% 7.00% Entry Age Normal 2.75% 6.00% 7.00% 100% when first eligible 100% when first eligible for Normal Retirement or for Normal Retirement DROP entry or DROP entry RP -2000 Combined RP -2000 Combined Healthy Participant Healthy Participant Mortality Table for males Mortality Table for and females with males and females with mortality improvement projected to all future years after 2000 using scale AA. mortality improvement projected to all future years after 2000 using scale AA. N IP MO MO WI IMP ■r NO S W N O SP City of Okeechobee, Florida Notes to Financial Statements NOTE 5: OTHER INFORMATION (Continued) B. RETIREMENT COMMITMENTS — DEFINED BENEFIT PLANS (Continued) Pension trust funds fiduciary net position activity as of September 30, 2016 was as follows: Firefighters' Pension Police Officers' Pension General Employees' Pension Total Pension Trust Funds ASSETS Cash equivalents Investments: Mutual funds Common equity securities Receivables Accrued interest and dividends Due from other plans Total assets $ 68,282 $ 90,342 $ 2,462,395 990,500 29,888 975 3,552,040 5,525,161 2,316,057 117,355 2,315 8,051,230 238,490 $ 7,437,338 3,557,902 91,503 3,558 5,884 11,334,675 397,114 15,424,894 6,864,459 238,746 6,848 5,884 22,937,945 LIABILITIES Accounts payable Total liabilities 15,582 15,501 43,412 74,495 15,582 15,501 43,412 74,495 NET POSITION Held in trust for pension benefits $ 3,536,458 $ 8,035,729 $ 11,291,263 $ 22,863,450 - 49 - City of Okeechobee, Florida Notes to Financial Statements NOTE 5: OTHER INFORMATION (Continued) B. RETIREMENT COMMITMENTS - DEFINED BENEFIT PLANS (Continued) Pension trust funds increase in fiduciary follows: net position Firefighters' Pension activity as of September Police Officers' Pension 30, 2016 was as General Employees' Total Pension Pension Trust Funds ADDITIONS Contributions State City Employees Total contributions $ 49,889 $ 73,960 $ 92,919 149,981 26,442 43,958 169,250 267,899 452,265 183,144 635,409 $ 123,849 695,165 253,544 1,072,558 Investment earnings: Net appreciation in the fair value of investments Interest and dividends Total investment earnings Less investment expenses Net investment earnings Total additions 181,913 90,171 272,084 (26,478) 245,606 414,856 429,524 212,746 642,270 (36,031) 606,239 874,138 587,634 281,863 869,497 (45,772) 823,725 1,459,134 DEDUCTIONS Benefits paid to participants Refunds on termination DROP payment Administrative expenses Total deductions Change in net position Net position held in trust for pension benefits, beginning of year Net position held in trust for pension benefits, end of year 102,590 33,221 135,811 279,045 3,257,413 215,862 25,003 252,832 36,050 529,747 344,391 7,691,338 331,214 18,267 57,186 406,667 1,052,467 10,238,796 $ 3,536,458 $ 8,035,729 $ 11,291,263 1,199,071 584,780 1,783,851 (108,281) 1,675,570 2,748,128 649,666 43,270 252,832 126,457 1,072,225 1,675,903 21,187,547 $ 22,863,450 OP le OW City of Okeechobee, Florida Notes to Financial Statements NOTE 5: OTHER INFORMATION (Continued) C. POSTEMPLOYMENT BENEFITS OTHER THAN PENSION Plan description. The City of Okeechobee, Florida administers a single - employer defined benefit healthcare plan (the "Plan ") that provides medical insurance to its employees and their eligible dependents. Pursuant to Section 112.0801 Florida Statutes, the City is required to provide eligible retirees (as defined in the City's pension plans) the opportunity to participate in this Plan at the same cost that is applicable to active employees. Benefit provisions for the Plan were established by City Council on January 7, 1991 and may only be amended by City Council. The City has not established a trust or agency fund for the Plan. The City does not issue stand -alone financial statements for this Plan. All financial information related to the Plan is accounted for in the City's basic financial statements. Employees and their dependents may elect to remain in the Plan upon retirement up to age 65. After age 65 the City's insurance coverage becomes secondary to the retiree's Medicare insurance. The Plan has 2 retirees receiving benefits and has a total of 59 active participants and dependents. Funding policy. The City is funding the plan on a pay -as- you -go basis. Employees and their dependents are required to pay 100% of the insurance premiums charged by the carrier. There is an implied subsidy in the insurance premiums for these employees because the premium charged for retirees is the same as the premium charged for active employees, who are younger than retirees on average. For the year ended September 30, 2016, the City's contribution is $16,240 which represents an estimate of the implied subsidy described above. Contributions of plan members totaled approximately $6,507 for the year ended September 30, 2016. Annual OPEB cost and net OPEB obligation. The City's annual OPEB cost (expense) is calculated based on the annual required contribution (ARC) of the employer, an amount determined using the Alternative Measurement Method, permitted by GASB Statement No. 45 for employers in plans with fewer than 100 total plan members. The ARC represents a level of funding that, if paid on an ongoing basis, is projected to cover normal cost each year and to amortize any unfunded actuarial accrued 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 ended September 30, 2016, the amount actually contributed to the Plan, and changes in the City's net OPEB obligation to the Plan: Annual required contribution Interest on net OPEB obligation Adjustment to annual required contribution Annual OPEB cost (expense) Contributions made Increase in net OPEB obligation Net OPEB obligation — beginning of year Net OPEB obligation —end of year $ 386,510 38,964 (40,323) 385,151 (16,240) 368,911 1,007,078 $ 1,375,989 City of Okeechobee, Florida Notes to Financial Statements NOTE 5: OTHER INFORMATION (Continued) C. POSTEMPLOYMENT BENEFITS OTHER THAN PENSION (Continued) The City's annual OPEB cost, the percentage of annual OPEB cost contributed to the Plan, and the net OPEB obligation for the fiscal year ending September 30, 2016 was as follows: Year Annual OPEB Percentage of Annual Net OPEB Ending Cost OPEB Cost Contributed Obligation 9/30/2016 $ 385,151 4% $ 1,375,989 9/30/2015 225,128 13% 1,007,078 9/30/2014 218,009 16% 811,717 Funded status and funding progress. Because the Plan has fewer than 200 members, the City is required to obtain an actuarial valuation at least every three years. The most recent actuarial valuation was performed as of September 30, 2016. Accordingly, the City will be required to obtain a subsequent actuarial valuation within three years of that date. As of September 30, 2016, the actuarial accrued liability for benefits was $757,717, all of which was unfunded. The covered payroll (annual payroll of active employees covered by the Plan) was $2,639,843, and the ratio of unfunded actuarial accrued liability (UAAL) to the covered payroll was 29 %. The projection of future benefit payments for an ongoing plan involves 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, future interest rates, mortality, medical cost inflation, Medicare coverage and changes in marital status. Amounts determined regarding the funded status of the Plan and the annual required contributions of the employer are subject to continuous revision as actual results are compared to past expectations and new estimates about the future are formulated. The schedule of funding progress presented as required supplementary information following the notes to the financial statements, will present multiyear trend information that shows whether the actuarial value of Plan assets is increasing or decreasing over time relative to the actuarial accrued liabilities for benefits. 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 the employer and Plan members to that point. The methods and assumptions used include techniques that are designed to reduce the effects of short -term volatility in actuarial accrued liabilities and the actuarial value of assets, consistent with the long -term perspective of the calculations. IMP MO r MEP OP OW City of Okeechobee, Florida Notes to Financial Statements NOTE 5: OTHER INFORMATION (Continued) C. POSTEMPLOYMENT BENEFITS OTHER THAN PENSION (Continued) In the September 30, 2016 valuation, the entry age normal cost method was used. The assumptions included a discount rate of 3 %, a general inflation rate of 2.8 %, and an annual healthcare cost trend rate of 0 %. The unfunded actuarial accrued liability is being amortized as a level percentage of projected payrolls on a closed basis over a period of 30 years. As authorized by GASB Statement No. 45, the Alternative Measurement Method with its simplifications of certain assumptions was employed in measuring actuarial accrued liabilities and the ARC. D. CONCENTRATION — COLLECTIVE BARGAINING UNIT Members of the City's fire department are covered by a collective bargaining agreement. The agreement with the employees covered by the International Association of Firefighters (IAFF) extended through September 30, 2009 and has not been renewed as of the date of our report. NOTE 6: FUTURE ACCOUNTING PRONOUNCEMENTS .. The Governmental Accounting Standards Board has issued statements that will become effective in ON SO ON IMP MI ✓ 2017. The statements address: • Certain pension issues; • Other postemployment benefit (OPEB) plans; • Tax abatement disclosures; and • Blending certain component units. The City is currently evaluating the effects that these statements will have on its 2017 financial statements. NOTE 7: SUBSEQUENT EVENTS As of October 1, 2016, the Okeechobee Utility Authority Employees' Retirement System will be split out from the Pension Trust funds and will no longer be accounted for by the City in the Pension Trust funds. In December 2016, the City purchased a Pierce Saver Pumper Engine Fire Truck for $412,507. In January 2017, the City entered into a grant agreement with Florida Department of Environmental .. Protection Agreement for a Water Quality Improvement Project for $183,630. In January 2017, The City entered into an agreement with the South Florida Water Management District for $175,000. In May 2017, the City entered into an agreement with Seminole Design Build for the Centennial as Park Storm Water Improvements for $547,318. - 53 - THIS PAGE IS INTENTIONALLY LEFT BLANK. REQUIRED SUPPLEMENTARY INFORMATION OTHER THAN MANAGEMENT'S DISCUSSION AND ANALYSIS THIS PAGE IS INTENTIONALLY LEFT BLANK. City of Okeechobee, Florida Schedule of Revenues, Expenditures and Changes in Fund Balances - Budget and Actual - General Fund Year ended September 30, 2016 Actual Variance with Original Final (on Budgetary Final Budget Budget Budget Basis) Positive (Negative) Revenues Taxes $ 2,532,154 $ 2,645,995 $ 2,653,485 $ 7,490 Intergovernmental 2,048,726 2,211,845 2,254,311 42,466 Charges for services 418,532 440,272 442,215 1,943 Permits and fees 546,650 648,869 652,246 3,377 Fines and forfeitures 14,300 25,357 34,534 9,177 Investment earnings 6,550 3,497 3,503 6 Miscellaneous 14,350 11,382 24,815 13,433 Contributions and donations - - 5,997 5,997 Total revenues 5,581,262 5,987,217 6,071,106 83,889 Expenditures Current: General government: Legislative 130,284 141,471 121,248 20,223 Executive 181,003 182,639 179,763 2,876 City clerk 222,937 216,765 211,501 5,264 Financial services 268,723 284,738 276,709 8,029 Legal council 88,197 61,411 50,610 10,801 General services 378,974 336,696 328,694 8,002 Total general government 1,270,118 1,223,720 1,168,525 55,195 Public safety: Fire 1,463,483 1,400,851 1,385,107 15,744 Police 2,197,633 2,007,802 1,986,776 21,026 Total public safety 3,661,116 3,408,653 3,371,883 36,770 Transportation 1,177,475 1,077,156 1,065,204 11,952 Physical environment 704,800 649,035 483,544 165,491 Capital outlay 743,150 598,282 533,668 64,614 Total expenditures 7,556,659 6,956,846 6,622,824 334,022 Deficiency of revenues under expenditures (1,975,397) (969,629) (551,718) 417,911 Other financing sources (uses) Operating transfers out - - (38,965) (38,965) Sale of capital assets 237,600 246,000 246,000 - Net other financing sources (uses) 237,600 246,000 207,035 (3.8,965) Excess (deficiency) of revenues and other financing sources over (under) expenditures and other financing sources (uses) (1,737,797) (723,629) (344,683) 378,946 Fund balances, beginning of year 11,985,898 11,985,898 11,985,898 - Fund balances, end of year $10,248,101 $11,262,269 11,641,215 $ 378,946 Reconciliation of budgetary to GAAP basis Current year encumbrances 173,117 Prior year encumbrances (15,960) Fund balance on GAAP basis $11,798,372 The accompanying notes to required supplementary information are an integral part of this schedule - 57 - City of Okeechobee, Florida Required Pension Supplementary Information — Schedule of Changes in Net Pension Liability and Related Ratios — Last Three Fiscal Years Police Officers' 2016 2015 2014 Total Pension Liability Service cost Interest Difference between actual & expected experience Assumption changes Benefit payments Refunds Net change in total pension liability Total pension liability - beginning Total pension liability - ending (a) $ 264,445 $ 247,353 $ 251,499 543,946 506,147 479,146 126,875 (219,850) (784) 94,065 (468,694) (203,855) (201,397) (25,003) (321) (26,953) 441,569 423,539 501,511 7,758,412 7,334,873 6,833,362 8,199,981 7,758,412 7,334,873 Plan Fiduciary Net Position Contributions - employer (from City) Contributions - employer (from State) Contributions - members Net investment income Benefit payments Refunds Administrative expense Other Net change in plan fiduciary net position Plan fiduciary net position - beginning Plan fiduciary net position - ending (b) 147,312 192,581 200,210 73,960 70,807 67,639 45,554 47,740 43,135 607,763 (95,964) 694,790 (468,694) (203,855) (201,397) (25,003) (321) (26,953) (32,120) (30,198) (18,097) (6) 3,886 348,766 (15,324) 759,327 7,691,340 7,706,664 6,947,337 8,040,106 7,691,340 7,706,664 Net pension liability (asset) - Ending (a) - (b) $ 159,875 $ 67,072 $ (371,791) Plan fiduciary net position as a percentage or Total Pension Liability Covered employee payroll Net pension liability as a percentage of covered employee payroll 98.05% 99.14% 105.07% $ 970,646 $ 911,189 $ 862,700 16.47% 7.36% - 43.10% Note: This schedule is presented to illustrate the requirement to show information for 10 years. However, until a full 10 -year trend is complied, the City presents information for those years for which information is available. The accompanying notes to required supplementary information are an integral part of this schedule - 58 - City of Okeechobee, Florida Required Pension Supplementary Information - Schedule of Changes in Net Pension Liability and Related Ratios - Last Three Fiscal Years (continued) Firefighters' 2016 2015 2014 Total Pension Liability Service cost $ 156,107 Interest 235,684 Difference between actual & expected experience 56,393 Assumption changes Benefit payments Other Net change in total pension liability Total pension liability - beginning Total pension liability - ending (a) (102,590) 3,256 348,850 3,282,133 3,630,983 $ 144,773 $ 130,539 213,154 196,106 (19,771) (741) 49,797 - (96,939) 291,014 183,844 2,991,119 2,807,275 3,282,133 2,991,119 (142,060) Plan Fiduciary Net Position Contributions - employer (from City) Contributions - employer (from State) Contributions - members Net investment income Benefit payments Administrative expense Other 97,709 92,863 82,058 49,889 52,662 53,235 27,433 26,324 23,854 246,381 (44,021) 318,708 (102,590) (96,939) (142,060) (31,639) (27,132) (16,233) (1,766) - - Net change in plan fiduciary net position Plan fiduciary net position - beginning Plan fiduciary net position - ending (b) 285,417 3,757 319,562 3,257,415 3,253,658 2,934,096 3,542,832 3,257,415 3,253,658 Net pension liability (asset) - Ending (a) - (b) $ 88,151 $ 24,718 $ (262,539) Plan fiduciary net position as a percentage or Total Pension Liability Covered employee payroll Net pension liability as a percentage of covered employee payroll 97.57% 99.25% 108.78% $ 563,285 $ 523,119 $ 477,080 15.65% 4.73% - 55.03% Note: This schedule is presented to illustrate the requirement to show information for 10 years. However, until a full 10 -year trend is complied, the City presents information for those years for which information is available. The accompanying notes to required supplementary information are an integral part of this schedule - 59 - City of Okeechobee, Florida Required Pension Supplementary Information — Schedule of Changes in Net Position Liability and Related Ratio — Last Three Fiscal Years (continued) Police Officers 9/30/2016 9/30/2015 9/30/2014 Actuarially determined contributions $ 219,093 $ 263,240 $ 267,849 Contributions in relation to the actuarially determined contributions 221,272 263,388 267,849 Contribution deficiency (excess) $ (2,179) $ (148) $ Covered payroll Contributions as a percentage of covered employee payroll $ 970,646 $ 911,189 $ 862,700 22.80% 28.91% 31.05% Firefighters 9/30/2016 9/30/2015 9/30/2014 Actuarially determined contributions $ 143,632 $ 138,914 $ 122,212 Contributions in relation to the actuarially determined contributions 147,598 145,525 135,293 Contribution deficiency (excess) $ (3,966) $ (6,611) $ (13,081) Covered payroll Contributions as a percentage of covered employee payroll $ 563,285 $ 523,119 $ 477,080 26.20% 27.82% 28.36% Note: This schedule is presented to illustrate the requirement to show information for 10 years. However, until a full 10 -year trend is complied, the City presents information for those years for which information is available. The accompanying notes to required supplementary information are an integral part of this schedule - 60 - City of Okeechobee, Florida Required Pension Supplementary Information — Schedule of Investment Returns — Last Three Fiscal Years Police Officers 9/30/2016 9/30/2015 9/30/2014 Annual money- weighted rate of return net of investment expense 7.59% Fire Fighters - 1.65% 9.96% 9/30/2016 9/30/2015 9/30/2014 Annual money - weighted rate of return net of investment expense 6.83% - 2.19% 10.43% Note: This schedule is presented to illustrate the requirement to show information for 10 years. However, until a full 10 -year trend is complied, the City presents information for those years for which information is available. The accompanying notes to required supplementary information are an integral part of this schedule - 61 - City of Okeechobee, Florida Required Pension Supplementary Information — Schedule of Proportionate Share of the Net Pension Liability General Employees — Last Three Fiscal Years 2016 2015 2014 City's proportion of the net pension liability City's proportion share of the net pension liability City's covered - employee payroll City's proportionate share of the net pension liability as a percentage of its covered - employee payroll Plan fiduciary net position as a percentage of the total pension liability 12.03% 12.03% 11.00% $ 51,228 $ 139,769 $ 20,069 $ 911,233 $822,133 $812,766 5.62% 17.00% 2.47% 96.37% 89.81% 98.23% The accompanying notes to required supplementary information are an integral part of this schedule - 62 - City of Okeechobee, Florida Required Pension Supplementary Information — Schedule of Contributions General Employees - Last Three Fiscal Years 2016 2015 2014 Contractually required contribution $ 48,881 $ 41,442 $ 44,690 Contributions in relation to the contractually required contribution 116,529 106,136 104,684 Contribution deficiency (excess) $ (67,648) $ (64,694) $ (59,994) City's covered - employee payroll Contributions as a percentage of covered - employee payroll $ 911,233 $822,133 $812,766 12.79% 12.91% 12.88% The accompanying notes to required supplementary information are an integral part of this schedule - 63 - City of Okeechobee, Florida Required Other Postemployment Benefits Supplementary Information - Schedule of Funding Progress UAAL Actuarial Unfunded a % of Actuarial Actuarial Accrued AAL Funded Covered Valuation Value of Liability (UAAL) Ratio Covered Payroll Date Assets (a) AAL (b) (b -a) (a /b) Payroll (c) ((b -a) /c) 9/30/2016 $ - $ 757,717 $ 757,717 0.0% $ 2,639,843 28.7% 9/30/2013 $ - $ 1,255,666 $ 1,255,666 0.0% $ 2,345,956 53.5% 8/1/2010 $ - $ 776,235 $ 776,235 0.0% $ 2,515,729 30.9% OW O W MO .rr N IP . r Mil e l Si WI ON WO O M A. BUDGETARY INFORMATION City of Okeechobee, Florida Notes to Required Supplementary Information Annual budgets are adopted on a basis consistent with U.S. generally accepted accounting principles for all governmental funds. All annual appropriations lapse at fiscal year -end. The City Administrator may make transfers of appropriations within a department as long as the total budget of the department is not increased. Transfers of appropriations between departments require the approval of the council. The legal level of budgetary control (i.e., the level at which expenditures may not legally exceed appropriations) is the department level. The council made certain supplemental budgetary appropriations during the year. Encumbrances accounting is employed in governmental funds. Encumbrances (e.g., purchase orders, contracts) outstanding at year end are reported as restricted or assigned fund balances and do not constitute expenditures or liabilities because the commitments will be re- appropriated and honored during the subsequent year. - 65 - City of Okeechobee, Florida Notes to Required Supplementary Information B. ADDITIONAL ACTUARIAL INFORMATION Valuation Date: 10/01/2014 Notes: Actuarially determined contribution rates are calculated as of October 1 which is two years prior to the end of the fiscal year in which contributions are reported. Methods and Assumptions Used to Determine Contributions Rates: Actuarial Cost Method: Amortization Method: Remaining Amortization Period: Asset Valuation Method: Salary Increases: Investment Rate of Return: Retirement Age: Mortality: Notes: Police Officers' Pension Plan Firefighters Pension Plan General Pension Plan Aggregate N/A N/A 4 -year smoothed market 6.00 %, including inflation 7.00% 100% when first eligible for Normal Retirement or DROP entry RP -2000 Combined Healthy Participant Mortality Table for males and females with mortality improvement projected to all future years after 2000 using Scale AA. See Discussion ot Valuation Results on Page 1 of the October 2014 Actuarial Valuation Report issued April 4, 2016 by Gabriel Roeder Smith & Comnanv. Aggregate N/A N/A 4 -year smoothed market 7.00 %, including inflation 7.00% 100% when first eligible for Normal Retirement or DROP entry. RP -2000 Combined Healthy Participant Mortality Table for males and females with mortality improvement projected to all future years after 2000 using Scale AA. See Discussion ot Valuation Results on Page 1 of the October 2014 Actuarial Valuation Report issued April 8, 2016 by Gabriel Roeder Smith & Comnanv. Aggregate N/A N/A 4 -year smoothed market 6.00 %, including inflation 7.00% 100% when first eligible for Normal Retirement or DROP entry RP -2000 Combined Healthy Participant Mortality Table for males and females with mortality improvement projected to all future years after 2000 using Scale AA. See Discussion ot Valuation Results on Page 1 of the October 2014 Actuarial Valuation Report issued April 26, 2016 by Gabriel Roeder Smith & Comnanv_ CRI CARR RIGGS & INGRAM CPAs and Advisors Carr, Riggs & Ingram, LLC 215 Baytree Drive Melbourne, Florida 32940 (321) 255-0088 (321) 259 -8648 (fax) www.cricpa.com INDEPENDENT AUDITORS' REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING AND ON COMPLIANCE AND OTHER MATTERS BASED ON AN AUDIT OF FINANCIAL STATEMENTS PERFORMED IN ACCORDANCE WITH GOVERNMENT AUDITING STANDARDS The Honorable Mayor and Members of the City Council of the City of Okeechobee, Florida We have audited, 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, the financial statements of the governmental activities, each major fund and the aggregate remaining fund information of the City of Okeechobee, Florida, as of and for the year ended September 30, 2016, and the related notes to the financial statements, which collectively comprise the City of Okeechobee, Florida's basic financial statements, and have issued our report thereon dated June 15, 2017. Other auditors audited the financial statements of the Police Officers' and Firefighters' Pension Trust Funds and the City of Okeechobee and Okeechobee Utilities Authority Employees' Retirement System, as described in our report on the City of Okeechobee, Florida's financial statements. This report does not include the results of the other auditors' testing of internal control over financial reporting or compliance and other matters that are reported on separately by those auditors. Internal Control over Financial Reporting In planning and performing our audit of the financial statements, we considered the City of Okeechobee, Florida's internal control over financial reporting (internal control) to determine the audit procedures that are appropriate in the circumstances for the purpose of expressing our opinions on the financial statements, but not for the purpose of expressing an opinion on the effectiveness of the City of Okeechobee, Florida's internal control. Accordingly, we do not express an opinion on the effectiveness of the City of Okeechobee, Horida's internal control. A deficiency in internal control exists when the design or operation of a control does not allow management or employees, in the normal course of performing their assigned functions, to prevent, or detect and correct misstatements on a timely basis. A material weakness is a deficiency, or combination of deficiencies, in internal control, such that there is a reasonable possibility that a material misstatement of the entity's financial statements will not be prevented, or detected and corrected on a timely basis. A significant deficiency is a deficiency, or a combination of deficiencies, in internal control that is less severe than a material weakness, yet important enough to merit attention by those charged with governance. Our consideration of internal control was for the limited purpose described in the first paragraph of this section and was not designed to identify all deficiencies in internal control that might be material weaknesses or significant deficiencies. Given these limitations, during our audit we did not identify any deficiencies in internal control that we consider to be material weaknesses. However, material weaknesses may exist that have not been identified. Compliance and Other Matters As part of obtaining reasonable assurance about whether the City of Okeechobee, Florida's financial statements are free of material misstatement, we performed tests of its compliance with certain provisions of laws, regulations, contracts, and grant agreements, noncompliance with which could have a direct and material effect on the determination of financial statement amounts. However, providing an opinion on compliance with those provisions was not an objective of our audit, and accordingly, we do not express such an opinion. The results of our tests disclosed no instances of noncompliance or other matters that are required to be reported under Government Auditing Standards. Purpose of this Report The purpose of this report is solely to describe the scope of our testing of internal control and compliance and the result of that testing, and not to provide an opinion on the effectiveness of the entity's internal control or on compliance. This report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the entity's internal control and compliance. Accordingly, this communication is not suitable for any other purpose. Rztr," Melbourne, Florida June 15, 2017 CRI CARR RIGGS & INGRAM CPAs and Advisors INDEPENDENT AUDITORS' MANAGEMENT LETTER Carr, Riggs & Ingram, LLC 215 Baytree Drive Melbourne, Florida 32940 (321) 255-0088 (321) 259 -8648 (fax) www.cricpa.com The Honorable Mayor and Members of the City Council of the City of Okeechobee, Florida Report on the Financial Statements We have audited the financial statements of the City of Okeechobee, Florida as of and for the fiscal year ended September 30, 2016, and have issued our report thereon dated June 15, 2017. Auditors' Responsibility We conducted our audit in accordance with auditing standards generally accepted in the United States of America; the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States and Chapter 10.550, Rules of the Auditor General. Other Reports We have issued our Independent Auditor's Report on Internal Control over Financial Reporting and on Compliance and Other Matters Based on an Audit of the Financial Statements Performed in Accordance with Government Auditing Standards and our Independent Accountants' Report on Compliance with Local Government Investment Policies. Disclosures in those reports, which are dated June 15, 2017, should be considered in conjunction with this management letter. Prior Audit Findings Section 10.554(1)(i)1., Rules of the Auditor General, requires that we determine whether or not corrective actions have been taken to address findings and recommendations made in the preceding annual financial audit report. Corrective action has been taken to address the finding made in the preceding annual financial audit as noted below: Prior Year Internal Control Findings IC 2015 -01 Revenue recognition Corrected Official Title and Legal Authority Section 10.554(1)(i)4., Rules of the Auditor General, requires that the name or official title and legal authority for the primary government and each component unit of the reporting entity be disclosed in this management letter, unless disclosed in the notes to the financial statements. The legal authority of the City of Okeechobee, Florida and its component units are disclosed in the footnotes. Financial Condition Section 10.554(1)(i)5.a. and 10.556(7), Rules of the Auditor General, require that we apply appropriate procedures and report the results of our determination as to whether or not the City of Okeechobee, Florida has met one or more of the conditions described in Section 218.503(1), Florida Statutes, and identification of the specific condition(s) met. In connection with our audit, we determined that the City of Okeechobee, Florida did not meet any of the conditions described in Section 218.503(1), Florida Statutes. Pursuant to Sections 10.554(1)(i)5.c. and 10.556(8), Rules of the Auditor General, we applied financial condition assessment procedures. It is management's responsibility to monitor the City of Okeechobee, Florida's financial condition, and our financial condition assessment was based in part on representations made by management and the review of financial information provided by same. Annual Financial Report Section 10.554(1)(i)5.b. and 10.556(7), Rules of the Auditor General, require that we apply appropriate procedures and report the results of our determination as to whether the annual financial report for the City of Okeechobee, Florida for the fiscal year ended September 30, 2016, filed with the Florida Department of Financial Services pursuant to Section 218.32(1)(a), Florida Statutes, is in agreement with the annual financial audit report for the fiscal year ended September 30, 2016. In connection with our audit, we determined that these two reports were in agreement. Other Matters Section 10.554(1)(i)2., Rules of the Auditor General, requires that we address in the management letter any recommendations to improve financial management. In connection with our audit, we did not have any such recommendations. Section 10.554(1)(i)3., Rules of the Auditor General, requires that we address noncompliance with provisions of contracts or grant agreements, or abuse, that have occurred, or are likely to have occurred, that have an effect on the financial statements that is less than material but which warrants the attention of those charged with governance. In connection with our audit, we did not have any such findings. Purpose of this Letter Our management letter is intended solely for the information and use of the Legislative Auditing Committee, members of the Florida Senate and the Florida House of Representatives, the Florida Auditor General, Federal and other granting agencies, the members of the City Council, and applicable management, and is not intended to be and should not be used by anyone other than these specified parties. Melbourne, Florida June 15, 2017 NIP ON OM rr CRI CARR RIGGS & INGRAM CPAs and Advisors Carr, Riggs & Ingram, LLC 215 Baytree Drive Melbourne, Florida 32940 (321) 255-0088 (321) 259 -8648 (fax) www.cricpa.com INDEPENDENT ACCOUNTANTS' REPORT ON COMPLIANCE WITH LOCAL GOVERNMENT INVESTMENT POLICIES The Honorable Mayor and Members of the City Council Of the City of Okeechobee, Florida We have examined the City of Okeechobee's compliance with the requirements of Section 218.415, Florida Statutes, Local Government Investment Policies, during the year ended September 30, 2016. Management is responsible for the City of Okeechobee's compliance with those requirements. Our responsibility is to express an opinion on the City of Okeechobee's compliance based on our examination. Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the City of Okeechobee's compliance with those requirements and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the City of Okeechobee's compliance with specified requirements. In our opinion, the City of Okeechobee complied, in all material respects, with the aforementioned requirements for the year ended September 30, 2016. This report is intended solely for the information and use of management and the State of Florida Auditor General and is not intended to be and should not be used by anyone other than these specified parties. Melbourne, Florida June 15, 2017 A`� CRI CARR RIGGS & INGRAM CPAs and Advisors Required Communications 1 1— CRI CARR RIGGS & INGRAM CPAs and Advisors June 15, 2017 Honorable Mayor and City Council City of Okeechobee, Florida 55 S.E. Third Avenue Okeechobee, FL 34974 Carr, Riggs & Ingram, LLC 215 Baytree Drive Melbourne, Florida 32940 (321) 255 -0088 (321) 259 -8648 (fax) www.cricpa.com We are pleased to present the results of our audit of the financial statements of the City of Okeechobee, Florida (the "City ") for the year ended September 30, 2016. This report to the Honorable Mayor and City Council summarizes our audit, the report issued and various analyses and observations related to the City's accounting and reporting. The document also contains the communications required by our professional standards. Our audit was designed, primarily, to express an opinion on the City's basic financial statements for the year ended September 30, 2016. We considered the City's current and emerging needs, along with an assessment of risks that could materially affect the financial statements, and aligned our audit procedures accordingly. We conducted the audit with the objectivity and independence that the City expects. We received the full support and assistance of City personnel. At Carr, Riggs & Ingram, LLC (CRI), we are continually evaluating the quality of our professionals' work in order to deliver audit services of the highest quality that will meet or exceed your expectations. We encourage you to provide any feedback you believe is appropriate to ensure that we do not overlook a single detail as it relates to the quality of our services. This report is intended solely for the information and use of the Honorable Mayor, City Council and management of the City and should not be used by anyone other than these specified parties. We appreciate this opportunity to work with you. If you have any questions or comments, please contact me at 321.255.0088 or dgoode @cricpa.com. Very truly yours, As4,.z >gat_ Deborah A. Goode, CPA Partner Carr, Riggs & Ingram, LLC Required Communications As discussed with management during our planning process, our audit plan represented an approach responsive to the assessment of risk for the City. Specifically, we planned and performed our audit to: • Perform an audit, as requested by the Honorable Mayor and City Council, in accordance with auditing standards generally accepted in the United States of America, in order to express an opinion on the City's financial statements for the year ended September 30, 2016; • Communicate directly with the Honorable Mayor and City Council and management regarding the results of our procedures; • Address with the Honorable Mayor, City Council and management any accounting and financial reporting issues; • Anticipate and respond to concerns of the Honorable Mayor, City Council and management; and • Other audit - related projects as they arise and upon request. Required Communications We have audited the financial statements of the City for the year ended September 30, 2016, and have issued our report thereon dated June 15, 2017. Professional standards require that we provide you with the following information related to our audit: MATTER TO BE COMMUNICATED AUDITOR'S RESPONSE Auditor's responsibility under Generally Accepted Auditing Standards, Government Auditing Standards and Chapter 10.550, Rules of the Florida Auditor General Client's responsibility Planned scope and timing of the audit Management judgments and accounting estimates The process used by management in forming particularly sensitive accounting estimates and the basis for the auditor's conclusion regarding the reasonableness of those estimates. As stated in our engagement letter dated August 31, 2016, our responsibility, as described by professional standards, is to express an opinion about whether the financial statements prepared by management with your oversight are fairly presented, in all material respects, in conformity with accounting principles generally accepted in the United States of America (GAAP) and Chapter 10.550 Rules of the Florida Auditor General. Our audit of the financial statements does not relieve you or management of your responsibilities. As part of our audit, we considered the internal control of the City and compliance with laws and regulations. Such considerations were solely for the purpose of determining our audit procedures and not to provide any assurance concerning such internal control and compliance with laws and regulations. Management, with oversight from those charged with governance, is responsible for establishing and maintaining internal controls, including monitoring ongoing activities; for the selection and application of accounting principles; and for the fair presentation in the financial statements of financial position and results of operations in conformity with the applicable framework. Management is responsible for the design and implementation of programs and controls to prevent and detect fraud. Our initial audit plan was not significantly altered during our fieldwork. Please see the following section titled "Accounting Policies, Judgments and Sensitive Estimates and CRI Comments on Quality." Required Communications Potential effect on the financial statements of any significant risks and exposures Major risks and exposures facing the Plan and how they are disclosed. No such risks or exposures were noted. Significant accounting policies, including critical accounting policies and alternative treatments within generally accepted accounting principles and the auditor's judgment about the quality of accounting principles • The initial selection of and changes in significant accounting policies or their application; methods used to account for significant unusual transactions; and effect of significant policies in controversial or emerging areas for which there is a lack of authoritative guidance or consensus. • Alternative treatments within GAAP for accounting policies and practices related to material items, including recognition, measurement, presentation and disclosure alternatives, that have been discussed with client management during the current audit period, the ramifications of the use of such alternative disclosures and treatments. Management is responsible for the selection and use of appropriate accounting policies. The significant accounting policies used by the City are described in Note 1 to the financial statements. During the fiscal year 2016, the City adopted GASB Statement No. 72, Fair Value Measurement and Application. The new standard addresses accounting and financial reporting issues related to fair value measurements. We noted no transactions entered into by the governmental unit during the year for which there is a lack of authoritative guidance or consensus. All significant transactions have been recognized in the financial statements in the proper period. Significant difficulties encountered in the audit Any significant difficulties, for example, unreasonable logistical constraints or lack of cooperation by management. None. Disagreements with management Disagreements, whether or not subsequently resolved, about matters significant to the financial statements or auditor's report. This does not include those that came about based on incomplete facts or preliminary information. None. Other findings or issues Matters significant to oversight of the financial reporting practices by those charged with governance. For example, an entity's failure to obtain the necessary type of audit, such as one under Government Auditing Standards, in addition to GAAS. None. Required Communications MATTER TO BE COMMUNICATED AUDITOR'S RESPONSE Matters arising from the audit that were discussed with, or the subject of correspondence with management Business conditions that might affect risk or discussions regarding accounting practices or application of auditing standards. None. Corrected and uncorrected misstatements All significant audit adjustments arising from the audit, whether or not recorded by the Plan, that could individually or in the aggregate have a significant effect on the financial statements. We should also inform the Committee about uncorrected misstatements aggregated by us during the current engagement and pertaining to the latest period presented, that were determined by management to be immaterial, both individually and in the aggregate, to the financial statements taken as a whole. Any internal control deficiencies that could have prevented the misstatements. During the course of our audit, we accumulate differences between amounts recorded by the City and amounts that we believe are required to be recorded under GAAP and GASB reporting guidelines. Those adjustments are either recorded (corrected) by the City or passed (uncorrected). There were no adjustments, either corrected or uncorrected, as a result of our audit procedures. Major issues discussed with management prior to retention Any major accounting, auditing or reporting issues discussed with management in connection with our initial or recurring retention. None. Consultations with other accountants When management has consulted with other accountants about significant accounting or auditing matters. In some cases, management may decide to consult with other accountants about auditing and accounting matters, similar to obtaining a "second opinion" on certain situations. If a consultation involves application of an accounting principle to the governmental unit's financial statements or a determination of the type of auditors' opinion that may be expressed on those statements, our professional standards require the consulting accountant to check with us to determine that the consultant has all the relevant facts. To our knowledge, there were no such consultations with other accountants. Written representations A description of the written representations the auditor requested (or a copy of the representation letter). See "Draft Management Representation Letter" section. Internal control deficiencies Any significant deficiencies or material weaknesses in the design or operation of internal control that came to the auditor's attention during the audit. None. - 5 - Required Communications MATTER TO BE COMMUNICATED AUDITOR'S RESPONSE Fraud and illegal acts Fraud involving senior management, the Plan Administrator or those responsible for internal controls, or causing a material misstatement of the financial statements, where the auditor determines there is evidence that such fraud may exist. Any illegal acts coming to the auditor's attention involving senior management and any other illegal acts, unless clearly inconsequential. We are unaware of any fraud or illegal acts involving management or causing material misstatement of the financial statements. Other information in documents containing Our responsibility related to documents (including audited financial statements annual reports, websites, etc.) containing the The external auditor's responsibility for information in financial statements is to read the other a document containing audited financial statements, information to consider whether: as well as any procedures performed and the results. • Such information is materially inconsistent with the financial statements; and • We believe such information represents a material misstatement of fact. We applied certain limited procedures to management's discussion and analysis and the required supplementary information ( "RSI ") as listed in the table of contents of the financial statements that supplements the basic financial statements. Our procedures consisted of inquiries of management regarding the methods of preparing the information and comparing the information for consistency with management's responses to our inquiries, the basic financial statements and other knowledge we obtained during our audit of the basic financial statements. We did not audit the RSI and do not express an opinion or provide any assurance on the RSI. Accounting Policies, Judgments and Sensitive Estimates & CRI Comments on Quality We are required to communicate our judgments about the quality, not just the acceptability, of the City's accounting principles as applied in its financial reporting. We are also required to communicate critical accounting policies and sensitive accounting estimates. Management may wish to monitor throughout the year the process used to compute and record these accounting estimates. The table below summarizes our communications regarding these matters. AREA ACCOUNTING POLICY CRITICAL JUDGMENTS & POLICY? SENSITIVE ESTIMATE COMMENTS ON QUALITY OF ACCOUNTING POLICY & APPLICATION Investments Except as noted below, the City reports their investments at fair value. Money market investments and certain interest - earning investment contracts with a remaining maturity of one - year or less at the date of purchase may be reported at amortized cost. The City follows the provisions of Section 150: Investments, of the GASB Codification when reporting investments. X The City relies on investment valuation information from the City's investment manager (investment consultant) and from information from investment pool sponsors based on financial market information. The City's policies are in accordance with all applicable accounting guidelines and GASB. Depreciation of Capital Assets Based on the audit procedures we performed with respect to the City's capital assets, we noted that the City estimates the useful lives of capital assets in accordance with all applicable standards and guidelines of GASB. The City follows the provisions of Section 1400: Reporting Capital Assets, of the GASB Codification when reporting depreciation of its capital assets. X Management's estimate of the useful lives of capital assets is based on the historical lives of similar assets and market prices. We evaluated the key factors and assumptions used to develop the estimated useful lives in determining that they are reasonable in relation to the financial statements taken as a whole. Accounting Policies, Judgments and Sensitive Estimates & CRI Comments on Quality AREA ACCOUNTING POLICY CRITICAL JUDGMENTS & POLICY? SENSITIVE ESTIMATE COMMENTS ON QUALITY OF ACCOUNTING POLICY & APPLICATION Other Post - Employment Benefits Based on the audit procedures we performed with respect to the City's OPEB Plan, we noted that it appears the City accounts for its OPEB liability and related costs in accordance with all applicable standards and guidelines of GASB. The City follows the provisions of Section P50: Postemployment Benefits Other Than Pensions — Employer Reporting, of the GASB Codification when reporting its OPEB liability and related costs. X Management's estimate of the other postemployment benefit liability is based on healthcare costs and employment assumptions developed by management. A third party actuary utilized these assumptions to calculate the year -end liability. We evaluated the key factors and assumptions in determining they are reasonable in relation to the financial statements taken as a whole. Pension Trust Funds Based on the audit procedures we performed with respect to the City's pension funds, we noted that the City uses an actuary to determine the pension obligation in accordance with all applicable standards and guidelines of GASB. The City follows the provisions of Section 1500: Reporting Liabilities, of the GASB Codification when reporting pension liabilities. X The estimate of current pension expense and future net pension obligation are based on actuarially determined factors. The actuary estimates certain future conditions in their conclusions. These estimates include factors such as market performance and life expectancy. Actual results may differ from projections. The City is following the requirements of GASB 68 and has noted in footnote 5 -B that the liability of the City may vary. 8 Accounting Policies, Judgments and Sensitive Estimates & CRI Comments on Quality Certain financial statement disclosures are particularly sensitive because of their significance to financial statement users. The most sensitive disclosures affecting the financial statements were: The disclosure of pension trust funds in Note 5 -B to the financial statements due to the reported performance of plan assets. The disclosure of Post - Employment Benefit Obligations in Note 5 -C to the financial statements since this represents a future liability to the City. The disclosure of the fair market value of investments required under GASB 72 in Note 4 -A, since this new standard contains additional footnote information. June 15, 2017 Carr, Riggs & Ingram, LLC 215 Baytree Drive Melbourne, Florida 32940 Draft Management Representation Letter This representation letter is provided in connection with your audit of the financial statements of the City of Okeechobee, Florida, which comprise the respective financial position of the governmental activities, each major fund and the aggregate remaining fund information as of September 30, 2016 and the respective changes in financial position and the related notes to the financial statements, for the purpose of expressing opinions as to whether the financial statements are presented fairly, in all material respects, in accordance with accounting principles generally accepted in the United States of America (U.S. GAAP). Certain representations in this letter are described as being limited to matters that are material. Items are considered material, regardless of size, if they involve an omission or misstatement of accounting information that, in light of surrounding circumstances, makes it probable that the judgment of a reasonable person relying on the information would be changed or influenced by the omission or misstatement. An omission or misstatement that is monetarily small in amount could be considered material as a result of qualitative factors. We confirm, to the best of our knowledge and belief, as of June 15, 2017, the following representations made to you during your audit. Financial Statements 1) We have fulfilled our responsibilities, as set out in the terms of the audit engagement letter dated August 31, 2016, including our responsibility for the preparation and fair presentation of the financial statements and for preparation of the supplementary information in accordance with the applicable criteria. 2) The financial statements referred to above are fairly presented in conformity with U.S. GAAP and include all properly classified funds and other financial information of the primary government and all component units required by generally accepted accounting principles to be included in the financial reporting entity. 3) We acknowledge our responsibility for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error. 4) We acknowledge our responsibility for the design, implementation, and maintenance of internal control to prevent and detect fraud. 5) Significant assumptions we used in making accounting estimates are reasonable. 6) Related party relationships and transactions, including revenues, expenditures /expenses, loans, transfers, leasing arrangements, and guarantees, and amounts receivable from or payable to related parties have been appropriately accounted for and disclosed in accordance with U.S. GAAP. ti Draft Management Representation Letter 7) Adjustments or disclosures have been made for all events, including instances of noncompliance, subsequent to the date of the financial statements that would require adjustments to or disclosure in the finance statements. 8) The effects of all known actual or possible litigation, claims, and assessments have been accounted for and disclosed in accordance with U.S. GAAP. Information Provided 9) We have provided you with: a) Access to all information, of which we are aware, that is relevant to the preparation and fair presentation of the financial statements, such as records, documentation, and other matters and all audit or relevant monitoring reports, if any, received from funding sources. b) Additional information that you have requested from us for the purpose of the audit. c) Unrestricted access to persons within the entity from whom you determined it necessary to obtain audit evidence. d) Minutes of the meetings of City Council or summaries of actions of recent meetings for which minutes have not yet been prepared. 10) All material transactions have been recorded in the accounting records and are reflected in the financial statements. 11) We have disclosed to you the results of our assessment of the risk that the financial statements may be materially misstated as a result of fraud. 12) We have no knowledge of any fraud or suspected fraud that affects the entity and involves: a) Management, b) Employees who have significant roles in internal control, or c) Others where the fraud could have a material effect on the financial statements. 13) We have no knowledge of any allegations of fraud or suspected fraud affecting the entity's financial statements communicated by employees, former employees, regulators, or others. 14) We have no knowledge of instances of noncompliance or suspected noncompliance with provisions of laws, regulations, contracts, or grant agreements, or abuse, whose effects should be considered when preparing financial statements. 15) We have disclosed to you all know actual or possible litigation, claims, and assessments whose effects should be considered when preparing the financial statements. Government — specific 16) There have been no communications from regulatory agencies concerning noncompliance with, or deficiencies in, financial reporting practices. 17) We have identified to you any previous audits, attestation engagements, and other studies related to the audit objectives and whether related recommendations have been implemented. Draft Management Representation Letter 18) The City has no plans or intentions that may materially affect the carrying value or classification of assets, liabilities, or equity. 19) We are responsible for compliance with the laws, regulations, and provisions of contracts and grant agreements applicable to us, including tax or debt limits and debt contracts; and we have identified and disclosed to you all laws, regulations and provisions of contracts and grant agreements that we believe have a direct and material effect on the determination of financial statement amounts or other financial data significant to the audit objectives, including legal and contractual provisions for reporting specific activities in separate funds. 20) There are no violations or possible violations of budget ordinances, laws and regulations (including those pertaining to adopting, approving and amending budgets), provisions of contracts and grant agreements, tax or debt limits, and any related debt covenants whose effects should be considered for disclosure in the financial statements, or as a basis for recording a loss contingency, or for reporting on noncompliance. 21) As part of your audit, you assisted with preparation of the financial statements and related notes. We have designated an individual with suitable skill, knowledge, or experience to oversee your services and have assumed all management responsibilities. We have reviewed, approved, and accepted responsibility for those financial statements and related notes. 22) The City has satisfactory title to all owned assets, and there are no liens or encumbrances on such assets nor has any asset been pledged as collateral. 23) The City has complied with all aspects of contractual agreements that would have a material effect on the financial statements in the event of noncompliance. 24) The financial statements include and properly disclose all component units and other related organizations. 25) The financial statements properly classify all funds and activities in accordance with GASB Statement No. 34. 26) All funds that meet the quantitative criteria in GASB Statements No. 34 and 37 for presentation as major are identified and presented as such and all other funds that are presented as major are particularly important to financial statement users. 27) Components of net position (net investment in capital assets; restricted; and unrestricted) and equity amounts are properly classified and, if applicable, approved. 28) Provisions for uncollectible receivables have been properly identified and recorded. 29) Expenses have been appropriately classified in or allocated to functions and programs in the statement of activities, and allocations have been made on a reasonable basis. 30) Revenues are appropriately classified in the statement of activities within program revenues, general revenues, contributions to term or permanent endowments, or contributions to permanent fund principal. 31) Interfund, internal, and intra- entity activity and balances have been appropriately classified and reported. 32) Deposits and investment securities and derivative instruments are properly classified as to risk and are properly disclosed. - 12 - Draft Management Representation Letter 33) Receivables recorded in the financial statements represent valid claims against debtors for transactions arising on or before the balance sheet date and have been reduced to their estimated net realizable value. 34) The City is in compliance with Florida Statute 218.415, local government investment policies, in all respects. 35) Capital assets, including infrastructure and intangible assets, are properly capitalized, reported, and, if applicable, depreciated. 36) Capital assets have been evaluated for impairment as a result of significant and unexpected decline in service utility. Impairment loss and insurance recoveries have been properly recorded. 37) Provision has been made to reduce excess or obsolete inventories to their estimated net realizable value. 38) We believe that the actuarial assumptions and methods used to measure pension and OPEB liabilities and costs for financial accounting purposes are appropriate in the circumstances. 39) We have appropriately disclosed the City's policy regarding whether to first apply restricted or unrestricted resources when an expense is incurred for purposes for which both restricted and unrestricted net position is available and have determined that net position is properly recognized under the policy. 40) We acknowledge our responsibility for the required supplementary information (RSI). The RSI is measured and presented within prescribed guidelines and the methods of measurement and presentation have not changed from those used in the prior period. We have disclosed to you any significant assumptions and interpretations underlying the measurement and presentation of the RSI. 41) With respect to the introductory section ( "supplementary information "): a) We acknowledge our responsibility for presenting the supplementary information in accordance with accounting principles generally accepted in the United States of America, and we believe the supplementary information, including its form and content, is fairly presented in accordance with accounting principles generally accepted in the United States of America. The methods of measurement and presentation of the supplementary information have not changed from those used in the prior period, and we have disclosed to you any significant assumptions or interpretations underlying the measurement and presentation of the supplementary information. Signed: Signed: Title: City Administrator Title: Finance Director