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HomeMy WebLinkAboutNAndover FY07 Financials TOWN OF NORTH ANDOVER, MASSACHUSETTS INDEPENDENT AUDITORS' REPORT ON BASIC FINANCIAL STATEMENTS AND REQUIRED SUPPLEMENTARY INFORMATION FOR THE FISCAL YEAR ENDED JUNE 30, 2007 TOWN OF NORTH ANDOVER, MASSACHUSETTS INDEPENDENT AUDITORS' REPORT ON BASIC FINANCIAL STATEMENTS AND REQUIRED SUPPLEMENTARY INFORMATION FOR THE FISCAL YEAR ENDED JUNE 30, 2007 TABLE OF CONTENTS Page IndependentAuditors' Report................................................................................................................................................1 Management's Discussion and Analysis...............................................................................................................................4 BasicFinancial Statements.....................................................................................................................................................14 Statementof net assets.......................................................................................................................................................15 Statementof activities........................................................................................................................................................16 Governmentalfunds-balance sheet...............................................................................................................................18 Governmental funds-statement of revenues,expenditures and changes in fund balances..................................20 Reconciliation of governmental funds balance sheet total fund balances to the statement of net assets...............22 Reconciliation of the statement of revenues,expenditures and changes in fund balances of governmental funds tothe statement of activities..............................................................................................................................................23 Proprietary funds-statement of fund net assets...........................................................................................................24 Proprietary funds-statement of revenues,expenses and changes in fund net assets .............................................25 Proprietary funds-statement of cash flows...................................................................................................................26 Fiduciary funds-statement of fiduciary net assets.......................................................................................................27 Fiduciary funds-statement of changes in fiduciary net assets...................................................................................28 Notes to basic financial statements..................................................................................................................................29 RequiredSupplementary Information................................................................................................................................57 General Fund-schedule of revenues,expenditures and changes in fund balance-budget and actual..............58 Notes to required supplementary information..............................................................................................................60 AdditionalInformation..........................................................................................................................................................61 Enterprise funds-schedule of revenues,expenses and changes in fund net assets-budgetary basis-budget andactual.............................................................................................................................................................................62 This page left intentionally blank. Independent Auditors' Report SULLIVAN, ROGERS & COMPANY, LLC �f Corporate Place I,Suite 204 • 99 South Bedford Street r. Burlington,Massachusetts 01803 P•781-229-5600 F•781-229-5610 www.sullivan-rogers.com Certified Public Accountants Independent Auditors'Report To the Honorable Board of Selectmen Town of North Andover,Massachusetts We have audited the accompanying financial statements of the governmental activities,the business-type activities, each major fund,and the aggregate remaining fund information of the Town of North Andover, Massachusetts,as of and for the fiscal year ended June 30,2007,which collectively comprise the Town's basic financial statements as listed in the table of contents. These financial statements are the responsibility of the Town of North Andover,Massachusetts'management. Our responsibility is to express opinions on these financial statements based on our audit. We conducted our audit in accordance with auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in Government Auditing Standards,issued by the Comptroller General of the United States. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis,evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinions. In our opinion, the financial statements referred to above present fairly,in all material respects,the respective financial position of the governmental activities,the business-type activities,each major fund,and the aggregate remaining fund information of the Town of North Andover,Massachusetts as of June 30,2007,and the respective changes in financial position and cash flows,where applicable,thereof for the fiscal year then ended in conformity with accounting principles generally accepted in the United States of America. In accordance with Government Auditing Standards,we have also issued our report dated January 4,2008,on our consideration of the Town of North Andover,Massachusetts' 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 the internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards and should be considered in conjunction with this report in considering the results of our audit. The management's discussion and analysis and budgetary comparison for the general fund(located on pages 4 through 13 and 57 through 60,respectively) are not a required part of the basic financial statements but are supplementary information required by accounting principles generally accepted in the United States of America. We have applied certain limited procedures,which consisted principally of inquiries of management regarding the methods of measurement and presentation of the required supplementary information. However,we did not audit the information and express no opinion on it. 2 Our audit was conducted for the purpose o/forming opinions on the financial statements that collectively comprise the Town of North Andover,Massachusetts'basic financial statements. The additional information ' located nu pages 61 through 63 is presented for purposes of additional analysis and is not a required part of the basic financial statements. Such information has been subjected tn the auditing procedures applied in the audit of � the basic financial statements and,in our opinion,is fairly stated in all material respects in relation to the basic financial statements taken ama whole, �J�' U � � January 4,2O08 `~ 3 Management's Discussion and Analysis Management's Discussion and Analysis For the Fiscal Year Ended June 30,2007 As management of the Town of North Andover,Massachusetts(Town),we offer readers of these financial statements this narrative overview and analysis of the Towri s financial activities for the fiscal year ended June 30, 2007. Financial Highlights ➢ The assets of the Town exceeded its liabilities at the close of the most recent fiscal year by$142,269,021 (net assets). Of this amount,$11,880,291 (unrestricted net assets)may be used to meet the government's ongoing obligations to citizens and creditors. ➢ The Town's total net assets increased by$7,685,984. ➢ As of the close of the fiscal year,the Town's governmental funds reported a combined ending fund totaling$14,564,978;an increase of$9,738,148 in comparison with the prior year. Approximately $12,310,000 represents unreserved fund balance. ➢ At the end of the fiscal year,undesignated fund balance for the general fund totaled$1,308,742,or 1.8 percent of total general fund expenditures. In the prior year,undesignated fund balance for the general fund totaled$4,074,811. ➢ The Town's total gross bonded debt decreased by$6,011,257 during the fiscal year;$4,064,899 of new debt was issued. Overview of the Basic Financial Statements This discussion and analysis is intended to serve as an introduction to the basic financial statements,which consists of the following three components: 1. Government-wide financial statements 2. Fund financial statements 3. Notes to the basic financial statements. This report also contains other supplementary information in addition to the basic financial statements themselves. Government-wide financial statements The government-wide financial statements are designed to provide readers with a broad overview of the Town's finances,in a manner similar to a private-sector business. The statement of net assets presents information on all of the Town's non-fiduciary assets and liabilities,with the difference between the two reported as net assets. Over time,increases or decreases in net assets may serve as a useful indicator of whether the financial position of the Town is improving or deteriorating. The statement of activities presents information showing how the government's net assets changed during the most recent fiscal year. All changes in net assets are reported as soon as the underlying event giving rise to the change occurs,regardless of the timing of related cash flows. Thus,revenues and expenses are reported in this statement for some items that will only result in cash flows in future fiscal periods (e.g.,uncollected taxes,earned but unused vacation leave, etc.). Town of North Andover,Massachusetts 5 Basic Financial Statements Management's Discussion and Analysis For the Fiscal Year Ended June 30,2007 Both of the government-wide financial statements distinguish functions of the Town that are principally supported by taxes and intergovernmental revenues (governmental activities)from other functions that are intended to recover all or a significant portion of their costs through user fees and charges(business-type activities). Governmental activities include general government,public safety,education,public works,health and human services, culture and recreation and debt service(interest). Business-type activities include the Town's water, sewer and Osgood Hill Estate operations. The government-wide financial statements can be found on pages 15-17 of this report. 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 Town,like other state and local governments,uses fund accounting to ensure and demonstrate compliance with finance-related legal requirements. All of the funds can be divided into the following categories and are described below: 1. Governmental funds 2. Proprietary funds 3. Fiduciary funds 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 funds financial statements focus on near-term inflows and outflows of expendable resources,as well as on balances of expendable resources available at the end of the fiscal 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 long-term effect of the government's near-term financing decisions. Both the governmental funds balance sheet and the governmental funds statement of revenues,expenditures,and changes in fund balances provide a reconciliation to facilitate this comparison between governmental funds and governmental activities. The Town maintains 33 individual governmental funds. Information is presented separately in the governmental funds balance sheet and in the governmental funds statement of revenues,expenditures, and changes in fund balances for the general,stabilization(special revenue), community preservation(special revenue), and school construction project(capital project)funds,each of which are considered to be major funds. Data from the other 29 governmental funds are combined into a single,aggregated presentation titled nonmajor governmental funds. The basic governmental fund financial statements can be found on pages 18-23 of this report. Proprietary funds The Town maintains two types of proprietary funds. Enterprise funds are used to report the same functions presented as business-type activities in the government- wide financial statements. The Town uses enterprise funds to account for its water,sewer and Osgood Hill Estate operations,all of which are considered to be major funds. Town of North Andover,Massachusetts 6 Basic Financial Statements Management's Discussion and Analysis For the Fiscal Year Ended June 30,2007 Internal service funds are an accounting device used to accumulate and allocate costs internally among the Town's various functions. The Town uses an internal service fund to account for its employees' health insurance risk- financing activities. Because these services predominantly benefit governmental rather than business-type functions,they have been included within governmental activities in the government-wide financial statements but are combined into a single, aggregated presentation in the proprietary fund financial statements. The basic proprietary fund financial statements can be found on pages 24-26 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 Town's programs. The accounting used for fiduciary funds is similar to that used for proprietary funds. Private-purpose trust funds and agency funds are reported and combined into a single, aggregate presentation in the fiduciary fund financial statements under the captions "private purpose trust funds" and"agency funds", respectively. The basic fiduciary fund financial statements can be found on pages 27-28 of this report. Notes to the basic financial statements The notes provide additional information that is essential to a full understanding of the data provided in the government-wide and fund financial statements. The notes to the financial statements can be found on pages 29- 55 of this report. Other information In addition to the basic financial statements and accompanying notes,this report also presents certain required supplementary information and additional information(located on pages 57 through 60 and 61 through 63, respectively). Presented in this information is the budget comparison for the general fund and budgetary comparisons of the enterprise funds on the budgetary basis of accounting. Government-Wide Financial Analysis The following tables present current and prior year data on the government-wide financial statements. Net Assets As noted earlier,net assets may serve over time as a useful indicator of a government's financial position. The Town's assets exceeded liabilities by$142,269,021 at the close of the fiscal year and are summarized as follows: Town of North Andover,Massachusetts 7 Basic Financial Statements Management's Discussion and Analysis For the Fiscal Year Ended June 30,2007 GovernmentaIActivities Business-Type Activities Total 2007 2006 2007 2006 2007 2006 Assets Current assets......................... $ 28,566,912 $ 25,477,871 $ 6,834,943 $ 8,155,263 $ 35,401,855 $ 33,633,134 Noncurrent assets(excluding capital assets),............ 11,059,498 20,787,725 1,261,334 1,331,170 12,320,832 22,118,895 Capital assets(net)................... 132,023,691 133,684,238 55,180,977 50,997,938 187,204,668 184,682,176 Total assets................°...... 171,650,101 179,949,834 63,277,254 60,484,371 234,927,355 240,434,205 Liabilities Current liabilities (excluding debt). ....... 6,186,915 6,312,992 1,114,141 751,599 7,301,056 7,064,591 Noncurrent liabilities (excluding debt)................ 1,267,960 1,240,098 168,000 224,000 1,435,960 1,464,098 Current debt........................... 9,121,037 17,480,404 3,647,580 3,291,883 12,768,617 20,772,287 Noncurrent debt..................... 44,061,782 49,974,986 27,090,919 26,575,206 71,152,701 76,550,192 Total liabilities.................. 60,637,694 75,008,480 32,020,640 30,842,688 92,658,334 105,851,168 Net Assets Invested in capital assets (net of related debt)............ 96,211,743 88,197,300 28,849,317 22,554,318 125,061,060 110,751,618 Restricted.............................. 5,327,670 3,923,673 - 5,327,670 3,923,673 Unrestricted...... .................... 9,472,994 12,820,381 2,407,297 7,087,365 11,880,291 19,907,746" Total net assets......... ......... $ 111,012,407 $ 104,941,354 $ 31.,256,614 $ 29,641,683 $ 142,269,021 $ 134,583,037 A portion of the Town's net assets(87.9%)is its investment in capital assets (i.e., land,construction in progress, land improvements,buildings and improvements,machinery and equipment,library books,vehicles, treatment plants, pump stations,reservoirs and infrastructure);less any related outstanding debt used to acquire those assets. These capital assets are used to provide services to citizens;consequently,these assets are not available for future spending. Although the investment in its capital assets is reported net of related debt,it should be noted that the resources needed to repay this debt must be provided from other sources,since the capital assets themselves cannot be used to liquidate these liabilities. The governmental activities investment in capital assets includes$12,296,650 of state school construction assistance which will be received in subsequent fiscal years as described in Note 4 on page 42 of this report. An additional portion of the Town's net assets (3.7%)represents resources that are subject to external restrictions on how they may be used. The remaining balance of unrestricted net assets (8.4% or$11,880,291)may be used to meet the Town's ongoing obligations to citizens and creditors. Of this amount,$9,472,994 may be used to support governmental activities and$2,407,297 may by used to support business-type activities. At the end of the current fiscal year,the Town reports positive balances in all three categories of net assets,both for the government as a whole, as well as for its separate governmental and business-type activities. Changes in Net Assets For the fiscal year ended June 30,2007,the Town's total net assets increased by$7,685,984 compared to an increase of$5,513,289 in the prior fiscal year. These amounts are summarized as follows: Town of North Andover,Massachusetts 8 Basic Financial Statements Management's Discussion and Analysis For the Fiscal Year Ended June 30, 2007 Go vernmen ta I Activities Business-Type Activities 1°kiW 2007 2006 2007 2(X)b 2d.Bt'1'7 2006 Revenues Program Revenues.' Charges for services,.....,,........ .................. $ 6,446,239 a 7,583,604 $ 9,071,735 $ 9,311,476 S, 15,517,974 $ 1.6,895,080 Operating grants and contributions. .............. 14,159,597 12,817,007 227,214 414,429 1.4,386,811 13,231,436 Capital grants and contributions................... 3,273,196 86,308 - 3,273,196 86,308 General Revenues: Real estate and personal property taxes........... 49,146,112 47,687,445 49,146,112 47,687,495 Motor vehicle and other excise taxes....,,, -. ... 3,432,710 4,076,385 3,432,720 4,076,385 Tax liens................................................... 290,057 365,140 290,057 365,140 Penalties and interest on taxes............. ....... 305,539 410,394 305,539 410,394 Payments in lieu of taxes........ .............. 1,623,750 1,441,209 1,623,750 1,441,209 Community preservation surcharges.... ........ 1,249,235 1,1.96,950 1,249,235 1,196,950 Grants and contributions not restricted to specific programs................................... 3,589,640 3,297,899 3,589,640 3,297,899 Unrestricted investment income.,....... .......... 1,136,035 880,381 1,136,035 880,381 Gain on disposal of capital assets,,.,..... 1,770 1,770 Total revenues.. ........._...... 84,653,880 79,842,772 9,298,949 9,725,905 93,952,829 89,568,677 EXperises General government......................................... 3,299,710 2,779,374 3,299,710 2,779,374 Public safety..................... ............................ 12,241,105 12,01 1,224 12,241,105 12,011,224 F.ducabon...................................................... 52,015,222 50,523,956 52,015,222 50,523,956 Public works,... ..._.... ........... 4,466,922 5,496 347 4,466,92.2. Heal th and human services,............. ................ 1,697,653 1,61.7,246 1,697,653 1,617,246 Culture and recreation.- 1,931,878 2,494,159 1,931,878 2,494,159 Debt service-interest....... . ... ..... .............. 2,720,892 3,6.36,270 2,720,892 3,636,270 .......... Water.... ....__............... ....... ....... 2,929,823 2,946,719 2,929,823 2,946,71.9 Sewer.,-._. .... ... .............. .. ............... - 3,418,575 3,076,592 3,418,575 3,076,592 Osgood I fill.............. ......:... ........_............... 515,640 502,926 515,6140 502,926 'Total expenses,, 79,402,807 77,529,151 6,864,038 6,526,237 86,266,845 84,055388 Change in net assets before transfers,. ................. ... 5,251,073 2,313,6121 2,434,911 3,199,668 7,685,984 5,513,289 Transfers,net....................... . 819,980 522,018 (819,980) (522,018) Change in net assets........ ........... .. ,. 6,071,053 2,835,639 1,614,931 2,677,650 7,685,984 5,513,289 Net easels-beginningofyear....... ........................... 104,941,354 102,105,715 29,641,683 26,964,033 1.34,583,037 1.29,069,748 Neta.s.sets._endofyear.......................................... $ 1.1.1,012,407 $ 104,941,354 $ 31,256,61.4 $ 29,641,683 $ 142,269,021 $ 134,583,037 Governmental activities increased the Town's net assets by$6,071,053,accounting for 79.0% of the total growth in net assets. In the prior year,governmental activities increased the Town's net assets by$2,835,639. The key element of this change is the accrual of$2,985,922 in intergovernmental revenue from the Massachusetts School Building Authority(MSBA)for school construction assistance. Business-type activities increased the Town's net assets by$1,614,931, accounting for 21.0% of the total growth in net assets. In the prior year,business-type activities increased the Town's net assets by$2,677,650. The key elements of this change are: ➢ Decrease in sewer revenues due to a non-recurring prior year receipt of approximately$70,000 for a settlement payment ➢ Increase in the Greater Lawrence Sanitary District(GLSD) assessment of approximately$262,000 ➢ Decrease in MWPAT subsidies of approximately$187,000 ➢ Decrease in transfers from other funds to the Osgood Hill enterprise fund of approximately$226,000 Town of North Andover,Massachusetts 9 Basic Financial Statements Management's Discussion and Analysis For the Fiscal Year Ended June 30,2007 Fund Financial Statement Analysis As noted earlier, the Town uses fund accounting to ensure and demonstrate compliance with finance-related legal requirements. Governmental funds The focus of the governmental funds is to provide information on near-term inflows, outflows,and balances of expendable resources. Such information is useful in assessing the Town's financing requirements. In particular, unreserved fund balance may serve as a useful measure of a government's net resources available for spending at the end of the fiscal year. At the end of the current fiscal year,the governmental funds reported combined ending fund balances totaling $14,564,978,an increase of$9,738,148 in comparison with the prior year. Approximately$10,820,000 represents undesignated fund balance. The remainder of fund balance is designated or reserved to indicate that it is not available for new spending because it has already been committed to: ➢ Liquidate contracts and purchase orders of the prior period($582,147) ➢ Debt service ($1,088,368) ➢ Perpetual permanent funds ($28,050) ➢ Other specific purposes($556,062) ➢ Funding a portion of the fiscal year 2008 budget($1,490,844) The general fund is the chief operating fund of the Town. At the end of the current fiscal year,undesignated fund balance of the general fund totaled$1,308,742,while total fund balance was$4,470,101. As a measure of the general fund's liquidity,it may be useful to compare both undesignated fund balance and total fund balance to total general fund expenditures. Undesignated fund balance represents 1.8% of total general fund expenditures, while total fund balance represents 6.0% of that same amount. The balance of the Town's general fund decreased by$1,135,922 during fiscal year 2007. Although the Town recognized a positive budget to actual variance(excluding encumbrances and continuing appropriations) totaling approximately$936,000,unreserved fund balance totaling approximately$2,207,000 was used during the year. Financial highlights of the Town's other major governmental funds are as follows: The fund balance of the stabilization fund (special revenue)increased by$51,758 during the current fiscal year. This is attributable to investment income. The fund balance of the community preservation fund (special revenue)increased by$755,367 during the current fiscal year. The fund recognized$1,176,436 in surcharges,$1,125,960 in intergovernmental revenues,$97,983 in investment income and$3,726 of a premium from issuance of bonds and notes. Expenditures of$1,596,978 were incurred during the fiscal year. Transfers out of$51,760 to the Osgood Hill enterprise fund were made during the fiscal year. The fund balance of the school construction capital projects fund increased by$9,811,398 during the current fiscal year. This is primarily attributable to the receipt of funds from the MSBA. Proprietary funds The Town's proprietary funds provide the same type of information found in the government-wide financial statements,but in more detail. Town of North Andover,Massachusetts 10 Basic Financial Statements Management's Discussion and Analysis For the Fiscal Year Ended June 30,2007 Unrestricted net assets of the water,sewer and Osgood Hill enterprise funds at the end of the year amounted to $628,491,$1,675,207 and$103,599,respectively. The water,sewer and Osgood Hill enterprise funds had increases/decreases in net assets for the year totaling$1,710,385,($19,628)and ($75,826),respectively. Other factors concerning the finances of these three funds have already been addressed in the discussion of the Town's business-type activities. General Fund Budgetary Highlights The original general fund budget of$71,621,440 was decreased by$607,948 (0.8%) during the fiscal year. The following table summarizes the decrease: Purpose of Increase/Decrease Amount Funding Source Various departmental increases.................................$ 507,420 Undesignated fund balance Employee benefits.................................................. 39,578 Undesignated fund balance Liability insurance.................................................. (6,110) Undesignated fund balance Debt service interest................................................ (41,554) Undesignated fund balance Various departmental decreases................................ (151,593) Undesignated fund balance Various departmental decreases................................ (1,459,355) Tax levy Fund deficit in the school lunch program fund............. 312,214 Undesignated fund balance Fund deficit in the highway improvements fund.......... 191,452 Undesignated fund balance Total decrease........................................................ $ (607,948) During the year,general fund revenues exceeded budgetary estimates and other financing sources and expenditures and encumbrances and continuing appropriations were less than budgetary estimates,resulting in an actual decrease in fund balance that was less than the final amended budget amount by$353,381. Encumbrances at June 30, 2007,total approximately$582,000. Capital Asset and Debt Administration Capital assets The Town's investment in capital assets for its governmental and business type activities at the end of the fiscal year totaled$187,204,668(net of accumulated depreciation). This investment in capital assets includes land,land improvements,buildings and improvements,machinery and equipment,library books,vehicles,treatment plants,pump stations,reservoirs,infrastructure and construction in progress. The total increase in the investment in capital assets for the current fiscal year totaled$2,522,492, or 1.4% (a 0.9% decrease for governmental activities and a 2.3% increase for business-type activities). Major capital asset events that occurred during the current fiscal year include the following: ➢ Construction in progress- water storage tanks ($3,721,000) ➢ Land-Cullen property($1,404,000) ➢ Continued upgrades of the water and sewer infrastructure($1,303,000) ➢ Continued reconstruction of roadways and sidewalks ($610,000) ➢ Construction in progress-various school projects($450,000) ➢ School buildings ($332,000) ➢ Public works equipment($184,000) ➢ Public safety vehicles ($136,000) Town of North Andover,Massachusetts 11 Basic Financial Statements Management's Discussion and Analysis For the Fiscal Year Ended June 30,2007 The following table summarizes the Town's capital assets(net of accumulated depreciation): Governmental Activities Business-Type Activities Total 2007 2006 2007 2006 2007 2006 Land.................................... $ 17,657,609 $ 16,253,510 $ 6,097,262 $ 6,097,262 $ 23,754,871 $ 22,350,772 Land improvements........ 1,080,237 1,216,112 153,724 162,771 1,233,961 1,378,883 Buildings and improvements... 84,373,144 87,015,491 1,456,720 1,446,973 85,829,864 88,462,464 Machinery and equipment....,.., 2,589,738 2,661,986 956,594 991,055 3,546,332 3,653,041 Library books.............. ....... 314,769 408,949 314,769 408,949 Vehicles., ...._,_.. 819,409 940,320 117,438 164,154 936,847 1,104,474 Pump stations.... ...... 1,332,910 1,448,566 1,332,910 1,448,566 Treatment plants............ ......... 8,521,202 8,973,460 8,521,202 8,973,460 Reservoirs. 549,399 601,720 549,399 601,720 Infrastructure,................ ... ... 18,731,837 19,184,907 30,145,130 29,505,464 48,876,967 48,690,371 Construction in progress........... 6,456,948 6,002,963 5,850,598 1,606,513 12,307,546 7,609,476 Total capital assets..............._ $ 132,023,691 $ 133,684,238 $ 55,180,977 $ 50,997,938 $ 187,204,668 $ 184,682,176 Additional information on the Town's capital assets can be found in Note 5 on pages 43-45 of this report. L -Term Debt At the end of the current fiscal year,total gross bonded debt outstanding was$81,396,212,which is backed by the full faith and credit of the Town, and is summarized as follows: Governmental Activities Business-Type Activities "lota1 20,07 2006 2007 2006 2007 2006 General obligation bonds...... $ 50,577,395 $ 57,036,769 $ 22,452,602 $ 24,238,231 $ 73,029,997 $ 81,275,000 MWPAT notes..................... 8,366,215 6,132,469 8,366,215 6,132,469 Total bonds and notes............ $ 50,577,395 $ 57,036,769 $ 30,818,817 $ 30,370,700 $ 81,396,212 $ 87,407,469 The Town's total gross bonded debt decreased by$6,011,257(6.9%) during the current fiscal year,with$4,064,899 of new debt issuances. The Town's bond ratings from Standard &Poor's and Moody's Investors Services for the September 2006 bond issue was AAA and Aaa,respectively. Additional information on the Town's long-term debt can be found in Note 8 on pages 47-53 of this report. Town of North Andover,Massachusetts 12 Basic Financial Statements Management's Discussion and Analysis For the Fiscal Year Ended June 30,2007 Economic Factors and Next Year's Budgets and Rates The Fiscal Year 2008 general fund operating budget will result in the partial restoration of municipal services after several years of service reductions. These restorations would not have been possible with out the voter approval of a proposition 21/z operating override that added$1.65 million dollars to the property tax levy. Services to be restored include: 0 Hiring of 17 teachers to reduce class sizes to previous levels and address special education needs o School Curriculum updates. 0 Hiring of a school librarian to reopen a closed library. a Funding of an in-house special education program to reduce costs associated without sourcing these services. Restoration of a police officer,staff engineer,assistant town librarian and Elder Services outreach coordinator positions eliminated in previous budgets. Other positive financial developments impacting the FY08 budget are: Continued high levels of'new growth' in the property tax levy. In FY08, the town will receive approximately $950,000 from taxes on new residential and commercial construction, adding an additional 1.7% to the levy. State Aid is increasing 5.5% or$529,597 over FY07 levels,primarily in Chapter 70 Education Aid. While this increase is appreciated,state aid in real dollars has still not returned to pre FY2002 levels when state aid was reduced aid by 20%.In addition,mandated special education costs continue to absorb higher levels of the total education budget each year. Offsetting these positive financial developments are the ever increasing costs of employee benefits,particularly health insurance. In FY08, the Town's contribution towards the Health Insurance Trust fund will increase 14% from$7.2 million to$8.2 million. This rate of growth is far greater then the growth in the town's overall revenues exclusive of the proposition 21/2 overrides. If this trend continues unabated it will result in a return to the years of service reductions and layoffs. While the Town will be able to reduce the use of other financing sources(Reserves and One Time only revenue) by 14% from FY07,the Town will allocate its entire certified free cash amount of$1.1 million dollars to balance the budget. However,none of the Stabilization Fund which currently has a balance of$1,193,194 was allocated in the FY08 budget. Requests for Information This financial report is designed to provide a general overview of the Town's finances for all those with an interest in its finances. Questions concerning any of the information provided in this report or requests for additional financial information should be addressed to the Budget Director/Town Accountant,Town Hall,120 Main Street,North Andover,Massachusetts 01845. Town of North Andover,Massachusetts 13 Basic Financial Statements Basic Financial Statements 14 STATEMENT OF NET ASSETS JUNE 30,2.007 primary Government Governmental Business-type ASSETS Activities Activities Total Current as£f'ks: Cash and cash rquivallenci.... ......... $ 13,773,291 $ 1,15%213 5 14,932,504 Resl:ric Led cash and cash equivatent?s..... .......... 8,595„583 3,075,669 11,671,252 InvesurrEiits_.... . ... ...... ... ., ........... 225,703 - 225,703 ReceWables,net of aglowanic:e for uncollecUlble.mnouunls: Rest e,statct and personal pu'c perly I:axes................................ ...... 1.,165,210 1,165,210 Tax:rand ulihi:y liens.................................. 1,217,457 4,929 1,222,386 Motor vehicle and offier excise taxes. .......... 268,174 268,174 Conin.m..Rim itY pre-seo°val:on,surcharges .......... 17,125 17,125 User cfwrges...........................:............................................. 2578,645 2,578,645 lyepau'Imem,tal and other............................. 319,140 319,140 lralcrgrtsvernrrr.curl:aep...............:................................................... 2,694,569 69,836 2,764,405 1nl:emall:ralancer ............ ...... 53349 (053,3409) .. `k'ax forecNaasraaes................................,..........................,................ 2.3'7,317. 237,311 T ol:alcurreritas,seW............:........................... 1$,566,912 6,834,943 35,401,855 Nonc':urrenl:a.,sels:, Receivables,net of allowance for iancollecllible am ourd:s: Weu govern rn en ltax➢............._.,.. 71,0759„498 1,261,334 12,320,832 .... 24,114,557 1.1,947,8609 36,062,417 6 ap21ka1 asss ls,uowt of aca::r.anniatale l oleparccaation.... . . 1817,909,1.34 43,233,117 ]ul 142,2.51 143,083;189 756 442,3 11 199,52.x,500 Total assets,... 171,050,101 63,277,254 234,927,355 LIABIL'LICN'pES Cu rreri.I:I labll it I:ies: Wazranl.s pity zi We.. .... 71,008,818 74%546 1,758,:364 Acci'ui edpa.yroll.......................................... 2,375,197 10,116 2,385:313 Tax refunds p,ryi ble....e....................... .. .......... . ....:.....,. '730,488 7::30,488 G0t1aerhaLunputies.. . . ...... ......:... 121,706 12 1,706 EzabJitucs #r.redelro al:orfs,,.... 1416,160 1416,160 Accrued inlererst.. 834,155 298,479 1132„634 xArcu'x.ued heallh cllabrrs payable .......... ........._. 869,507 - 869,5617 Cor.urtjmlgrAaenOs....... - 54;,000 56,0069 Cornpen,mted a3bsearces.....:............................ 7140,884 1461,884 Short to'eusr.notespayable,.:. .. ....... ..... . 3,095,676 341,8'70 9,433,546 Long-term Ibonds,.rndnol:esprryable........... ... .. ....... 3305,710 9335,071 poP,vlcruirreinll.nlydlslie.^ .... 15307,952 4,761,721 20,069,673 Noncurrent H,,vb011aesr: l".:oasx @iczdgmenls. .:....... ............ .. :168,000 '163,000 Compen ,steelabsenaass............. .. .... 1,2.67,960 - '1,267,960 l..ang-teuxrr bonds and rootes payable............. ,..... 44,86'1,7€„2 27,090,919 71,1.52,701 Tol:al noncurrent lliabllibes............ 45,32 9,742 27,258,91119 72,588,661 T'oLd luaibalihes.. 60,637,694 'x31,02.0,640 92,658,334 N hx A,Slslc,S invested lra('OpRall A sellx,n2.k of uelated delnl.......... 96,211,743 28,849,317 125,061,060 Res I:A'lIctQ:'d pox: De1u sa rvup_e.... 1,4133,363 1,038,363 3,121,546 - 3,121,546 1'e"naanenl:fuardsr, ExpendalbNe.:.......:............................................... 533,644 533,644 NonexpendiMe.............:.::......................................:........ 28,050 .. 28,050 Offier specific paurlposes................................ 556,062 556,062 Y1tuesrirarled.......... . . .... 9,472,994 2,407,297 11,880,29 1. olidnelas,els..... ... ...... $ 1."18,012,407 $ 31,256,614 $ 142,269,02 1 See notes to basic fiih 1ncW st.'alerxle�nls. Town of North Andover,Massachusetts 1.5 Basic Financial Statements STATEMENT OF ACTIVITIES FOR Tf IE FISCAL YEAR ENDED JUNE 30,2007 Program Revenues Operating Capital Net Charges for Grants and Grants and (Expense)/ Functions/Programs Expenses Services Contributions Contributions Revenue Primary governments Governmental activities: General government....................... $ 3,299,710 $ 459,419 $ 207,283 $ $ (2,633,008) Public safety.......... . ..... ........ ..... 12,241,105 2,609,422 368,372 - (9,263,311) Education.... 52,015,222 2,137,410 12,305,566 2,985,922 (34,586,324) Public works....... 5,496,347 133,171 238,820 287,274 (4,837,082) flea Ith and human services.............. 1,697,653 376,355 36,253 - (1,285,045) Culture and recreation.. .. .,............ 1,931,878 730,462 255,588 (945,828) Debt service-interest...................... 2,720,892 - 747,715 (1,973,177) Total governmental activities.... .. 79,402,807 6,446,239 14,159,597 3,273,196 (55,523,775) Business-type activities: Water...-.................. ................... 2,929,823 5,174,840 - - 2,245,017 Sewer...................... ................. .. 3,418,575 3,425,722 227,214 234,361 Osgpod Hill.......... 515,640 471,173 (44,467) lotall:rr.asirrr^.s-type ac°tavrlie,s,,..,.. 6,864,038 9,071,735 227,214 2,434,911 $ 86,266,845 $ 15,517,974 $ 14,386,811 3,273,196 $ (53,088,864) 18rta 17 r'1 Y]"tary gGYWG r%1.LTlG"Ytt.. Q . See notes to basic financial statements, Town of North Andover,Massachusetts 16 Basic Financial Statements STATEMENT OF ACTIVITIES (Continued) FOR THE FISCAL YEAR ENDED JUNE 30,2007 Primary Government Governmental Business-type Activities Activities Total Changes in net assets: Net(expense)/revenue(from previous page)......... ..... $ (55,523,775) $ 2,434,911 $ (53,088,864) General revenues: Real estate and personal property taxes.................. 49,146,112 - 49,146,112 Motor vehicle and other excise taxes...................... 3,432,710 - 3,432,710 Tax liens.......................................................... 290,057 290,057 Penalties and interest on taxes.............................. 305,539 - 305,539 Payments in lieu of taxes..................................... 1,623,750 - 1,623,750 Community preservation surcharges..................... 1,249,235 - 1,249,235 Grants and contributions not restricted to specific programs............................................. 3,589,640 - 3,589,640 Unrestricted investment income........................... 1,136,035 - 1,136,035 Gain on disposal of capital assets.......................... 1,770 - 1,770 Transfers, net......................................................... 819,980 (819,980) - Total general revenues and transfers.......................... 61,594,828 (819,980) 60,774,848 Change in net assets........................................... 6,071,053 1,614,931 7,685,984 Net assets-beginning of year................................... 104,941,354 29,641,683 134,583,037 Net assets-end of year............................................ $ 111,012,407 $ 31,256,614 $ 142,269,021 Town of North Andover,Massachusetts 17 Basic Financial Statements GOVERNMENTAL FUNDS BALANCE SHEET' JUNE 30,2007 Community ASSETS General Stabilization Y,eoemauvo Cash and cash equivalents......... ....... ........ $ 7,976,017 $ 1'193,194 $ - Investments................ --............ .......... -----......... ......... - Receivables,net vf allowance for uo,oDeubleamounts: Real estate and personal property taxes............ ...... 1,165,210 - Taxueoo---------------------------. 1,217,e57 - Motor vehicle and other excise taxes...-------------- 268,174 Community preservation oorduzgeu—.... ................------- - - 17,12 Departmental and other, .... ---------- .................. .... 245,956 - - uotergu,eonnental— ..... ............ —........ ........................ ...... 12,296650 - 1,189,634 Due from other funds...................... .......... ........... ........ —....... — 53,349 ^ - Tax foreclosures....... ............................................................ --. 237,311 - - Restricted assets: Cash and cash equivalents..................... ...... ...........-----' �_ 3,521£62� TOTAL ASSETS..................-- ............. — ..............----........ $ 23,460,124 $ 1,193,194 $ 4,728,121 LIABILITIES AND FUND BALANCES oxouo7uS: Warrants puyuhle—...---....... ------- ........-- ......... $ 678148 $ - $ 1,824 Accrued payroll......... ........--................ ....... ....... --...-- 2,18*,77 ^ - Tax refunds payable....... — ....... --- ......... ....... .......-- 730\48 - - Other liabilities.... —...— ........... .............. ...... ----- ...... 120,50 - 1,20 Liabilities due depositors........ — .................................. — ....... 106,160 - - Deferred revenue, ------- ...... ......... --------.... 15,118,950 - 1,206,759 Accrued short-term interest......... ..............------- .......... 48,998 - - Short-term notes payable........ ........ — .......—............ ....... _ - �. 1,603,546_ TOTAL LIABILITIES.................... ....................................... — ... 18,9*0023 ___2,813,334� FUND BALANCES: Reserved for: Encumbrances and continuing appropriations,..... .......... 582,147 Debt service...— .... ---,— ........ ..._ ........... --- ....... 1,088,368 Perpetual 9eononeo funds........... — ........—.......... ......... —' Other specific po,posea---- ........... ----....... .......... Designated for subsequent year's expenduunm— 1,490844 - - Dudesignvted,reported in: General und-----....... 1,308742 ' - Special revenue funds............ ............ ..-^ ... . ..... — - 1J93,194 1,914,787 Capital projects funds... Permanent funds............... ...... - - - 1,193,194 z�u��� TOTAL.,FUND BxLaNCES���.� ����������......�� �� ����������� ����� ������� ������� ---_ � z����� TOTAL LIABILITIES AND FUND n&c&0CES...................... ....... $ 23460124 $ 1,193,194 $ See notes m basic financial statements. Town v/North Andover,Massachusetts 18 Basic/mvn6a/Statements School Non major Total Construction Governmental Governmental Project Funds Funds $ 3,351,264 $ 12,520,475 225,703 225,703 1,165,210 1,217,457 268,174 - 17,125 73,184 319,140 267,783 13,754,067 - 53,349 - 237,311 2,602,129 2,472,092 8,595,583 2,602,129 $ 6,390,026 $ 38,373,594 199,747 $ 128,963 $ 1,008,682 188'„=119 2,375,197 730,488 121,706 106,160 16,325,709 48,998 216,729 1„271,401 3,019-1,676 416,476 1,588,783 23,808,616 - - 582,147 1,088,368 28,050 28,050 556,062 556,062 - 1,490,844 1,308,742 - 1'49%3w 11 5,607,342 2,185,653 1,'1.8'4„"126 3,369,779 - 5 3 3,c'AI 533,644 Z 185,65,3 4,801,243 14,564,978 2,602,129 $ 6,390,026 $ 3. 8,373,594 Town of North Andover,Massachusetts 19 Basic Financial Statements GOVERNMENTAL FUNDS STATEMENT OF REVENUES,EXPENDITURES AND CHANGES IN FUND BALANCES FOR THE FISCAL YEAR ENDED JUNE 30,2007 Community General Stabilization Preservation ......................... REVENUES _. Real estate and personal property taxes...................................................... $ 48,777,621 $ $ Motor vehicle and other excise taxes. ..... .... 3,477,581 Tax and utility liens................................................................................ 282,196 - Payments in lieu of taxes......................................................................... 1,586,050 - Community preservation surcharges......................................................... 1,176,436 Charges for services............................................................................... 797,455 Intergovernmental..........................._.,,.,.,.......,..................................... . 15,208,051 1,125,960 Penalties and interest on taxes................................ 305,539 Licenses,permits and fees............ ......................... .... 1,245,595 - Fines and forfeitures.. ....................................................... 124,303 - - Departmental....... .... ...... ... ......, 415,233 Contributions........................................................................................ - Investmen.tincorie................................................................................... 1,082,484 51,758 97,983 TOTAL REVENUES.. ........ . ..... ........ ........... 73,302,108 51,758 2,400,379 EXPENDITURES Current: General government...... ......... 2,427,837 1,404,099 Public_safety............................. .................. ............... 8,308,701 - ............ . Education.................. ....... ..... ....... 32,052,996 Public works......................................................................... .......... 3,599,351 Health and human services, ........ 729,238 Culture and recreation,... .... ... ... 675,313 138,467 Pension beer.efits.................................................`.......•,...................... 7,212,850 Employee benefits........ ..................... .......... .......... 7,957,488 Property and liability insurance,.. 415,406 State and county charges................................. 2,170,566 Debt service: Principal.,...... . .......................................................... ................ 6,588,374 Interest .......... 2,687,682 54,41:2 TOTAL EXPENDITURES............................................................... 74,825,802 1,596,978 EXCESS(DEFICIENCY)OF RFVENUFS OVER EXPENDITURES, ... .......... ......... .. ......... (1,523,694) 51,758 803,401 OTHER FINANCING SOURCES(USES) Transfers in............................................. ..................... 889,668 - Proceeds of bonds and notes......................................... ...........,..,. - _ Premium from issuance of bonds and notes............................. .. .............. - 3,726 Sale of capital assets...-..--.................. ......... . ...... .... 1,770 - - Transfers out........................................................................................ (503,666) - (51,760) TOTAL.OTHER FINANCING SOURCES(USES),. 387,772 (48,034} NET CHANGE IN FUND BALANCES,... ........... . ........ (1,135,922) 51,758 755,367 FUND BALANCES AT BEGINNING OF YEAR --......... .... ... .......... ........ 5,606,023 1,141,436 1,159,420 FUND BALANCES AT END OF'YEAR........................................................... $ 4,470,101 $ 1,193,194 $ 1,914,787 See notes to basic financial statements. Town of North Andover,Massachusetts 20 Basic Financial Statements School Nonmajor Total Construction Governmental Governmental ....... Project Funds Funds $ 48,777,621 3,477,581 282,196 37,700 1,623,750 - 1,176,436 2,966,948 3,764,403 10,635,131 3,303,800 30,272,942 305,539 848,012 2,093,607 124,303 124,843 540,076 110,217 110,217 111,160 1,343,385 10,635,131 7,502,680 93,892,056 ........ ... 424,028 4,255,964 901,187 9,209,888 875,928 4,482,026 37,410,950 977,984 4,577,335 369,689 1,098,927 65,4,762 1,468,542 7,212,850 7,957,488 415,406 2,170,566 6,588,374 - 2,742,094 ................... 875,928 7,809,676 85,108,384 9,759,203 (306,996) 8,783,672 503,666 1,393,334 52,195 76,805 129,000 - 3,726 L770 - (17,928) (573,354) 52,195 562,543 954,476 ............ 9,811,398 255,547 9,738,148 (7,625,745) 4,545,696 4,826,830 2,185,653 $ 4,801,243 $ 14,564,978 Town of North Andover,Massachusetts 21 Basic Financial Statements RECONCILIATION OF THE GOVERNMENTAL FUNDS BALANCE SHEET TOTAL FUND BALANCES TO THE STATEMENT OF NET ASSETS FOR THE FISCAL YEAR ENDED JUNE 30,2007 Total governmental fund balances(page 19)....................................................................................... $ 14,564,978 Capital assets(net of accumulated depreciation)used in governmental activities are not financial resources and,therefore,are not reported in the governmental funds.................................. 132,023,691 Other assets are not available to pay for current period expenditures and, therefore,are deferred in the governmental funds., .... ...... .................. 16,325,709 In the statement of activities,interest is accrued on outstanding long-term debt, whereas in the governmental funds interest is not reported until due.............................................. (785,157) Long-term liabilities are not due and payable in the current period and, therefore,are not reported in the governmental funds. Bonds and notes payable,net of unamortized premiums and deferred losses on refundings............ (50f091,143) Compensated absences..................................................................................................... (1,408,844) Internal service funds are used by management to account for health insurance activities.The assets and liabilities of the internal service funds are reported as governmental activities in the statement of net assets........................... 383,173 Net assets of governmental activities(page 15).................................................................................... 111,012,407 See notes to basic financial statements. Town of North Andover,Massachusetts 22 Basic Financial Statements RECONCILIATION OF THE STATEMENT OF REVENUES,EXPENDITURES AND CHANGES IN FUND BALANCES OF GOVERNMENTAL FUNDS TO THE STATEMENT OF ACTIVITIES FOR THE FISCAL YEAR ENDED JUNE 30,2007 Net change in fund balances-total governmental funds(page 21)................................................... $ 9,738,148 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 and reported as depreciation expense. These amounts represent the related activity of the current period. Capital outlays............... .........__....... ....... ......... .......... 3,408,410 Depreciation........................................................................................................... (5,068,957) Revenues in the statement of activities that do riot provide current financial resources are fully deferred in the statement of revenues,expenditures and changes in fund balances. Therefore,the recognition of revenue for various types of accounts receivable (i.e.,real estate and personal property,motor vehicle excise,etc.)differ between the two statements. This amount represents the net change in deferred revenue............................ (9,243,672) The issuance of long-term debt(e.g.,bonds and leases)provides current financial resources to governmental funds,while the repayment of the principal of long-term debt consumes the financial resources of governmental funds. Neither transaction,however,has any impact on net assets. Also,governmental funds report the effect of issuance costs, premiums,discounts,and similar items when debt is first issued,whereas these amounts are deferred and amortized in the statement of activities. These amounts represent the related activity of the current period. Bondmaturities...................................................................... ................................ 6,588,374 Amortization of deferred losses on refundings............................................................... (65,205) In the statement of activities,interest is accrued on outstanding long-term debt, whereas in the governmental funds interest is not reported until due. This amount represents the net change in accrued interest payable........................................................... 86,407 Some expenses reported in the statement of activities do not require the use of current financial resources and,therefore,are not reported in the governmental funds. This amount represent the net change in long-term liabilities: Compensated absences................ ...... ......... ........ (30,957) Internal service funds are used by management to account for health insurance The net activity of the internal service funds is reported with governmental activities................. 787,505 Changes in net assets of governmental activities(page 17)............................................................. $ 6,071,053 See notes to basic financial statements. Town of North Andover,Massachusetts 23 Basic Financial Statements PROPRIETARY FUNDS STATEMENT OF FUND NET ASSISTS JUNE 30,2007 Business-Type Activities Enterprise Funds Governmental Activities- Internal Osgood Service ASSETS Water SCIArer I HE Total Funds ..................... Current asseas� C.ash and cash cquivalenis..-, $ $ 1,028,487 5 130,726 $ 1,159,213 5 1,252,816 Res1rided cash and casti eqWviflenis.. ...... ...... 646,299 2,429,370 3,075,669 RecEivabkm,nel of allowance ior uncoflecbWe amowfls: User charges and.uJflity kens 1,407,931 1,175,643 2,583,574 IMPrgovernmenial ...... ......... 69,836 69,836 T'M.al c.wrenf,assets..... ... .... 2,054,230 4,703336 130,726 6,888,292 1,252,81.6 NorcurmrQ assels: Receivables,net of aflowance for uncoliectible aniounts: fniergovemuri.q.-nita➢, , ...... ....... . .. ...... - 1,261,334 1,26 l,3,'M Capital assets not being deprechate.ci 7,706,387 152,387 4,089,086 11,947,860 Capitafassets,neV of aca.nnuhAed depreciaHon- ..... 19,231,594 22 385,088 1,616,435 43,233,117 '['Walnoncurrentassers 20,937,981 23,798,809 5,705,521 56,447,311 ...... Totpdasse6r—, 28,992,211 28,502,345 5,836,247 63,330603 1,252,816 MARMITIES Curreni liabitibes: Warrarils payable, .... ....... ........ 609,829 113,263 26,4,54 74.9,546 136 Accrued payroll -. ... ...... .... 7,031, 2,412 673 10,116 Due to o1her funds..., ... . ...... 53,349 - 53,349 Accrued miterest., . - 109,231 189,248 298,479 - Accrued heaMi claftiris payaWe........ 869,507 Cou rf in drineu is.....—.—, -- --.... ..... 56,000 56,000 Short-term notes payable.... - .—.... ...... . ... ... .. 110,0()0 231,870 341,870 L,onr[einn.bonds and notes payable- 1,912,700 1,393,010 3 305,M ............ lf'okal c i.A rre n 6 11a b ih H es.. 2,802,140 1,985,803 27,127 4,815,070 869,643 .......................................... ................................................ ........... Noncurrent liabditim court judpynalts.... ...... ... .... ........ .. 168,000 1.68,000 Long tenin,bonds and no(c-s payabie- 12,231,783 14,859,136 27,090,919 .................... Total noncurren6 liabilffies, 12,231,783 15,027,136 27,258,919 ........................ Totalliabffli:ies— .. ... ...... 15,033,923 17,01Z939 27,127 32,073,989 869,643 FUND NET ASSETS Invosted in caFnial assets,n(R of relaied debL ... 13,329,797 9,813,999 5,705,521 28,849,317 - Unresi.ricied 628,491 1,675,207 103,599 2,407,297 383,173 .............................................. ............ .............— Total fund net assets.... 13,958,288 $ 111,489,206 $ 5,80%120 $ 31,256,614 $ 38,3,173 See ml.es to basic finandal sYaienwnts Town of North Andover,Massachusetts 24 Basic Financial Statements PROPRIETARY FUNDS STATEMENT OF REVENUES,EXPENSES AND CHANGES IN FUND NET ASSETS FOR THE FISCAL.YEAR ENDED JUNE 30,2007 Business-Tare Activities-Enterorise Funds . ......... Governmental Activities- Internal Osgood Service Water Sewer Hill Total Funds OPFRATM;REVENU17S Charves for services.— ... ......... .. $ 4,988,467 5, 3,296,557 471,173 5 8,756,197 $ UaWy hens— , - . ......... ........ ... . ..... 167,458 111,539 - 278,997 Pena Ries and interest...........-........ . ...... ........ ... .. .... 18,915 17,626 36,541 liniployer contribufions. .. . . ...... .. .... 7, I8,"0.31 Flylpkoyee coniributiorlF......---.. ........ . ...... 1,546,530 5,174,840 3,425,722 471,173 9,071,735 8,784,661 OPERATING EXPENSES Cost of service and admirdstration-............... ... ... . .... 1,640,433 546,720 430,801. 2,617,954 GI.SI)assessment..... ....... ..... ..... . .... ....... 1,210,663 1,210,663 Repairs and maintenarice—,—. - '--. ......... . . .. ........ .... 116,251 46,152 8,687 171,090 Depredai on- — ......... .................... . ..... .. . ..... .. 585,565 855,120 76,152 1,516,837 Empoyeebenefits—.............. . ...................... ....... 8,039,341 ........... TOTM,OPERATM,FXPENSES, ..... .. 2,342,249 2,658,655 515,640 5,516,544 8,039,341 0PERAllNG INC.OME . . .... .... ....... 2,832,591 767,067 (44,467) 3,555,191 745,320 .......... ................ .................. NONOPERATING REVENUES(EXPENSFS) InWrgovernmentaT............ .... ..... ... ......... - ............ - 225,797 225,797 Investr.rent inrome. . ,,, , -- . .... .. .... .... ..... . 1,417 1,417 42,185 hAereM vxpense.... ... ... ... ......... ........ ... .. . .... .. ............... (759,920) ..... ......................................ME.... ...................(1 347,49 T(.)TAL.NONOPERATING REVFNUFS(EXPENSFS),NEIT— (587,5 42,185 .................... (532,706) (1120,280) ...........................— WCOME(I,OSS)BEFORETRANSFERS. ........ 2,245,017 44,467) 2,434,911 TRANSFERS '11'ransfers in 5L760 511,760 Transfers out- (534,632) (lib,989) 3�L 191 1, ....................................... ........................ ..................... (87 740) TOTAI..'FRANSFEM- .......... . .. .... . (534,63 3). 25 11 ( , (819,980).......... CHANGE IN FUND NET AS ]CIS .. ... ... .... . ... .. ...... ......... 1,71tQ85 (1%629) (75,826) 1,614,93-1 787,505 FUND NET ASSETS AT BEGINMNG OF YEAR A2,247,903 11,508 834 5,884,946 29,641,683 404,332) ...........-.. ..................... FUND NETASSE'lS ATFND OF YEAR.... $ 13,958,298 $ 111,489,206 $ 5,809,120 $ 31,256,614 See noivs,W basic fiffmveial Town of North Akgdovpr,Massachusetts 2`5 Basic Financial Statements PROPRIETARY FUNDS STATEMENT OF CASI I FLOWS FOR THE FISCAL YEAR ENDED JUNE X 2007 Business-Tvoe Ao.livities-Enter prise Funds ............ ...... Governmental Activities- Internal Osgood Service Water Sewer Hill Total' Funds CASH FLOWS FROM OPERAIINGACYWHIFS Receipts front customers and users- ...... ...... $ 4,615,000 $ 2,996,864 $ 471,173 $ 8,083,037 $ 1,634,473 Receipts from inieffund services provided, .................. 7,238,131 I'ayments to vendors...... .............. ....................... ..... .... ....... ...... (731,460) (1,444,648) (258,507) (2,434,615) (8,310,512) Payments to employees....--....... ...... .......... (686,882) ....... 1.70L2 .......-- NET CASH FROM OPERATING ACTIVITIES, ......... 3,196,659 1,239,660 41,945 4,478,263 562,092 ---------- CASH FLOWS FROM NONCAPI FAL FINANCING ACI)VITIES Transfers 41-............................. .. . ...... ...... 51,760 51,760 ryansorscu'Ll-I - ....... ....53 253,989} 111 ------------ 1�6,ja - -: (871,740) NET CASH FROKI NONCAPITAL FINANCING ACTIVITIES (534,632) (253,989) CASH FLOWS FROM CAPI JA I,AND RELATED FINANCING AC-FIVITIES Proceeds front the issuance of bonds and nol.m... 6,051,798 851,870 6,903,668 Acquisition and construction ofcapilal assets--- (4,382,061) (1,241,544) (76,271) (5,699,876) Principal payments on bonds and noise ... ..... .............- (4,728,282) (1,321,713) (6,049,995) - Interest expense....... ...... .... (533,112) (5 ------------ �542,2114) NET'CASH FROM CAPIFAL AND RELATED FINANCING AC1I'jVfj'IES' (3,591,657) (2,253,591) CASH FLOWS FROM INVESFING AcrivrrIES Investment income,,,,, ................ . 3,417 1,417 42,185 NET CHANGE IN CASH AND CASI I EQUIVALENTS... .......... ...... (929,631) (1,266,503) (65 6 9, (2,261,919) 604,277 CASI I AND CASH EQUIVALENTS A'1'BEGINNING OF YEAR (Includes$1,508,259 and$2,729,336 reported as restricted in the water and sewer enterprise foods,respectively),,,,,,,,. ........ 1,575,930 4,724,360 196,411 6,496,701 648,539 --------------------- CASH AND CASH EQUIVALENTS A'1 END 01;YEAR (Includes$646,299 and$2,429,370 reported as restricted in the water and sewer enterprise funds,respectively}. ............ .. ... 646,299 $ 3,457,857 $ 130,726 $ 4,234,882 $ 1,252,816 RECONCILIATION OF OPrRATING INC(MIE(LOSS)TO NF.1-CASFI FROM O11FRA'IING ACTIVITIES Operating incorne(loss),,.,.,,..... $ 2,832,591 $ 767,067 $ (44,467) $ 3,555,191 $ 745,320, mm Adjustments to reconcile operating income(loss)to net cash from operating activities: Depreciation-, , . ---.... ...... 585,565 855,120 76,152 1516,837 Changes inasse s and liabilities: Accounts receivable .... ...... .. ..... ...... ... (559,840) (428,858) (988,698) Working capital deposli-,... ....... . ....... .... .... - - 87,943 Warrants payable...... 277,962 99,919 9,587 387,468 136 Accrued payroll.,.. 7,031 2,412 673 10,116 Accrued health clahns payable.. . ....... .............. (7.71,307}Courtiudgments- (56,000) (56,000) Due t0 offier funds' ...... j%Mq 53,349 ............................ T'otall adlu9nneints 364,067 472,593 86,412 923,072 (183,2281 NET CASH FROM OPERATING A(..--]'IVII'IES $ 3,196,658 $ 1,239,660 $ 41,945 $ 4,478,263 $ 562,092 NONCASH INVESTING,CA PIr I-Al.AND FINANCING ACHVITIES JoWgovernmental debI subsidies(MWPAT).... .... ....... ..... $ - $ 289,483 $ $ 289,483 Net amortization of deferred charges,... ........ ........ ........ 74,672 6,751 81,423 notes.to 1-1,frerarrrial'W'raents Town of North Andover,Massachusetts 26 Basic Financial Statements FIDUCIARY FUNDS STATEMENT OF FIDUCIARY NET ASSETS JUNE 30,2007 Private Purpose Agency ASSETS Trust Funds Funds Cash and cash equivalents........................................................ $ 69,444 $ 4,619,981 LIABILITIES Warrants payable............................................................... 2,125 Liabilities due depositors..................................... 4,617,756 Total liabilities............................................................... - 4,619,881 NET ASSETS Held in trust for other purposes............................................. $ 69,444 $ - See notes to basic financial statements. Town of North Andover,Massachusetts 27 Basic Financial Statements FIDUCIARY FUNDS STATEMENT OF CHANGES IN FIDUCIARY NET ASSETS FOR THE FISCAL YEAR ENDED JUNE 30,2007 Private Purpose Trust Funds ADDITIONS Net investment income: Interest.................................................................................... $ 1,295 NET ASSETS AT BEGINNING OF YEAR.......................................... 68,149 NET ASSETS AT END OF YEAR...................................................... $ 69,444 See notes to basic financial statements. Town of North Andover Massachusetts 28 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 NOTE 1-SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES A. General The basic financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America(GAAP). The Governmental Accounting Standards Board(GASB) is the standard- setting body for establishing governmental accounting and financial reporting principles. The significant accounting policies are described herein. B. Reporting Entity The Town of North Andover,Massachusetts(Town) is a municipal corporation that is governed by an elected Board of Selectmen. For financial reporting purposes,the basic financial statements include all funds, organizations,agencies,boards, commissions and institutions that are not legally separate from the Town. The Town has also considered all potential component units for which it is financially accountable as well as other organizations for which the nature and/or significance of their relationship with the Town are such that exclusion would cause the Town's basic financial statements to be misleading or incomplete. It has been determined that there are no component units that require inclusion in the basic financial statements. Joint Venture A joint venture is an organization(resulting from a contractual arrangement) that is owned,operated or governed by two or more participants as a separate and specific activity subject to joint control in which the participants retain an ongoing financial interest or ongoing financial responsibility. Joint control means that no single participant has the ability to unilaterally control the financial or operating policies of the joint venture. The Town participates in the following joint ventures with other municipalities to pool resources and share the costs,risks and rewards of providing goods and services to venture participants directly,or for the benefit of the general public or specified recipients. Greater Lawrence Sanitanj District(GLSD) GLSD operates a wastewater treatment plant for five member communities and is located within the Town. The GLSD is governed by a seven member board consisting of one appointed representative from the Town. The Town is indirectly liable for the GLSD's debt and other expenditures and is assessed annually for its share of operating and capital costs. For the fiscal year ended June 30,2007, the Town's assessment was approximately $1,211,000. Separate financial statements may be obtained by writing to the Treasurer of the GLSD at 240 Charles Street,North Andover,MA 01845. Greater Lawrence Regional Technical Vocational School (GLRTVS) The GLRTVS is governed by a seven member school committee consisting of one elected representative from the Town. The Town is indirectly liable for the GLRTVS' debt and other expenditures and is assessed annually for its share of operating and capital costs. For the fiscal year ended June 30,2007,the Town's assessment was approximately$232,000. Separate financial statements may be obtained by writing to the Treasurer of the GLRTVS at 57 River Road,Andover,MA 01801. Town of North Andover,Massachusetts 29 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 C. Government-Wide and Fund Financial Statements Government-Wide Financial Statements The government-wide financial statements(statement of net assets and the statement of activities) report information on all non-fiduciary activities of the primary government and its component units. Governmental activities,which are primarily supported by taxes and intergovernmental revenues,are reported separately from business-hjpe activities,which are primarily supported by user fees. Fund Financial Statements Separate financial statements are provided for governmental funds,proprietary funds,and fiduciary funds,even though fiduciary funds are excluded from the government-wide financial statements. Major individual governmental funds and major individual enterprise funds are reported as separate columns in the fund financial statements. Nonmajor funds are aggregated and displayed in a single column. Internal service funds and fiduciary funds are reported by fund type. D. Measurement Focus,Basis of Accounting and Basis of Presentation Government-Wide and Fund Financial Statements The government-wide and enterprise fund financial statements apply all applicable Financial Accounting Standards Board (FASB)pronouncements issued on or prior to November 30,1989,unless those pronouncements conflict with or contradict GASB pronouncements. Government-Wide Financial Statements The government-wide financial statements are reported using the economic resources measurement focus and the accrual basis of accounting. Under this method,revenues are recorded when earned and expenses are recorded when the liabilities are incurred. Real estate and personal property taxes are recognized as revenues in the fiscal 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. The statement of activities demonstrates the degree to which the direct expenses of a function or segment are offset by program revenues. Direct expenses are those that are clearly identifiable with a specific function or segment. Program revenues include the following: ➢ Charges to customers or applicants who purchase,use, or directly benefit from goods,services, or privileges provided by a given function or segment. ➢ Grants and contributions that are restricted to meeting the operational requirements of a specific function or segment. ➢ Grants and contributions that are restricted to meeting the capital requirements of a specific function or segment. Taxes and other items not identifiable as program revenues are reported as general revenues. Except for charges between the general fund and enterprise funds, the effect of interfund activity has been eliminated from the government-wide financial statements. Elimination of these charges would distort the direct costs and program revenues reported for the functions affected. Town of North Andover,Massachusetts 30 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Fund Financial Statement Governmental funds financial statements are reported using the flow of current financial resources measurement focus and the modified accrual basis of accounting. Under the modified accrual basis of accounting,revenues are recognized when susceptible to accrual(i.e.,measurable and available). Measurable means the amount of the transaction can be determined and available means collectible within the current period or soon enough thereafter to pay liabilities of the current period. Expenditures are recorded when the related fund liability is incurred,except for unmatured interest on general long-term debt which is recognized when due,and certain compensated absences,claims and judgments which are recognized when the obligations are expected to be liquidated with current expendable available resources. Real estate and personal property tax revenues are considered available if they are collected within 60-days after the end of the fiscal year. Investment income is susceptible to accrual. Other receipts and tax revenues become measurable and available when the cash is received and are recognized as revenue at that time. Entitlements and shared revenues are recorded at the time of receipt or earlier if the susceptible to accrual criteria is met. Expenditure driven grants recognize revenue when the qualifying expenditures are incurred and all other grant requirements are met. The following major governmental funds are reported: The general fiend is the primary operating fund. It is used to account for all financial resources,except those required to be accounted for in another fund. The stabilization fund is a special revenue fund used to account for the accumulation of resources to provide general and/or capital reserves. Use of this fund is subject to Town Meeting approval. The community preservation fund is a special revenue fund used to account for the 3% local real estate tax surcharge on nonexempt property(and matching state trust fund distribution)that can be used for open space,historic resource and affordable housing purposes. Property exempt from the surcharge consists of the first$100,000 of all residential property and also property owned by low income or seniors with a low or moderate income as defined by Massachusetts Department of Revenue(DOR) guidelines. Disbursements from this fund must originate from the Community Preservation Committee and be approved by Town Meeting. The school construction project fiend is a capital projects fund used to account for financial resources to expand and upgrade the school facilities. The nonmajor governmental funds consist of other special revenue,capital projects and permanent funds that are aggregated and presented in the nonmajor governmental funds column on the governmental funds financial statements. The following describes the general use of these fund types: The special revenue fund is used to account for the proceeds of specific revenue sources (other than capital projects funds or permanent funds) that are restricted by law or administrative action to expenditures for specified purposes. The capital projects fund is used to account for financial resources to be used for the acquisition or construction of major capital facilities(other than those financed by enterprise funds). The permanent fund is used to account for financial resources that are legally restricted to the extent that only earnings, and not principal, may be used for purposes that support governmental programs. Town of North Andover,Massachusetts 31 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Proprietary funds financial statements are reported using the flow of economic resources measurement focus and use the accrual basis of accounting,whereby revenues are recorded when earned and expenses are recorded when the liabilities are incurred. Proprietary funds distinguish operating revenues and expenses from nonoperating items. Operating revenues and expenses generally result from providing services and producing and delivering goods in connection with the proprietary funds principal ongoing operations. All revenues and expenses not meeting this definition are reported as nonoperating revenues and expenses. The following major proprietary funds are reported: The water enterprise fund is used to account for the water activities. The sewer enterprise fund is used to account for the sewer activities. The Osgood Hill enterprise fund is used to account for the operation of Osgood Hill Estate activities. Additionally, the following proprietary fund type is reported: The internal service fund is used to account for the financing of services provided by one department to other departments or governmental units. This fund is used to account for risk financing activities related to employees'health insurance. Fiduciary funds financial statements are reported using the flow of economic resources measurement focus and use the accrual basis of accounting. Fiduciary funds are used to account for assets held in a trustee capacity for others that cannot be used to support the government's programs. The following fiduciary fund types are reported: The private-purpose trust fund is used to account for trust arrangements,other than those properly reported in the permanent fund,under which principal and investment income exclusively benefits individuals,private organizations, or other governments. The agency fund is used to account for assets held in a custodial capacity. Such assets consist primarily of performance bonds and bid deposits. Agency funds do not present the results of operations or have a measurement focus. E. Cash and Investments Government-Wide and Fund Financial Statements Cash and cash equivalents are considered to be cash on hand, demand deposits and short-term investments with an original maturity of three months or less from the date of acquisition. Investments are carried at fair value. F. Accounts Receivable Government-Wide and Fund Financial Statements The recognition of revenue related to accounts receivable reported in the government-wide financial statements and fund financial statements are reported under the accrual basis of accounting and the modified accrual basis of accounting,respectively. Town of North Andover,Massachusetts 32 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Real Estate Taxes,Personal Property Taxes and Tax Liens Real estate and personal property taxes are levied and based on values assessed on January 1St of every year. Assessed values are established by the Board of Assessor's for 100% of the estimated fair market value. Taxes are due on August 1st,November 151,February 11t and May ist and are subject to penalties and interest if they are not paid by the respective due date. Real estate tax liens are processed approximately one-year after the close of the valuation year on delinquent properties and are recorded as receivables in the fiscal year they are processed. Motor Vehicle Excise Taxes Motor vehicle excise taxes are assessed annually for each vehicle registered in the Town and are recorded as receivables in the fiscal year of the levy. The Commonwealth is responsible for reporting the number of vehicles registered and the fair values of those vehicles to the Town. The tax calculation is the fair value of the vehicle multiplied by$25 per$1,000 of value. Community Preservation Surcharges Community preservation surcharges are levied annually and at a rate of 3% of residents' real estate tax bills with exemptions for the first$100,000 of residential property and property owned by qualified persons with low income and seniors (60+) with low or moderate income as defined by DOR guidelines. The surcharge is due with the real estate tax on August 1st,November 1st,February 1St and May 1st and are subject to penalties and interest if they are not paid by the respective due date. Overdue surcharges are included on the tax liens processed on delinquent real estate taxes. Surcharges are recorded as receivables in the fiscal year of the levy. Water and Sewer User Charges and Utility Liens User fees are levied monthly based on individual meter readings and are subject to penalties and interest if they are not paid by the respective due date. Water and sewer liens are processed approximately six months after the end of the fiscal year and are included as a lien on the property owner's tax bill. Water and sewer charges and liens are recorded as receivables in the fiscal year of the levy. Departmental and Other Departmental and other receivables primarily consist primarily of amounts due from ambulance charges and police details. These receivables are recorded when the applicable service has been performed. Intergovernmental Various state and federal operating and capital grants are applied for and received annually. For non- expenditure driven grants, revenue is recognized as soon as all eligibility requirements imposed by the provider have been met. For expenditure driven grants,revenue is recognized when the qualifying expenditures are incurred and all other grant requirements are met. G. Allowance for Unco llectib le Amounts The allowance for uncollectible amounts is estimated based on historical trends and specific account analysis for the following accounts receivable: ➢ Personal property taxes ➢ Motor vehicle and other excise taxes ➢ Departmental and other Town of North Andover,Massachusetts 33 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 The following types of accounts receivable are secured via the lien process and are considered 100% collectible. Accordingly,an allowance for uncollectible amounts is not reported. ➢ Real estate taxes ➢ Tax and utility liens ➢ Community preservation surcharges ➢ User charges Intergovernmental receivables are considered 100% collectible. H. Inventories Government-Wide and Fund Financial Statements Inventories are recorded as expenditures at the time of purchase. Such inventories are not material in total to the government-wide and fund financial statements and therefore are not reported. I. Restricted Assets Government-Wide and Fund Financial Statements Assets are reported as restricted when limitations on their use change the nature of the availability of the asset. Such constraints are either externally imposed by creditors,contributors, grantors,or laws of other governments, or are imposed by law through constitutional provisions or enabling legislation. J. Capital Assets Government-Wide and Proprietary Fund Financial Statements Capital assets,which consist of land,land improvements,buildings and improvements,machinery and equipment,library books,vehicles,treatment plants,pump stations,reservoirs,infrastructure(e.g.,roads,water mains,sewer mains, and similar items) and construction-in-progress, are reported in the applicable governmental or business-type activities column of the government-wide financial statements. Capital assets are recorded at historical cost or at estimated historical cost if actual historical cost is not available. Donated capital assets are recorded at the estimated fair market value at the date of donation. All purchases and construction costs in excess of$10,000 are capitalized at the date of acquisition or construction, respectively, with expected useful lives of greater than one year. Capital assets (excluding land) are depreciated on a straight-line basis. The estimated useful lives of capital assets are as follows: Town of North Andover,Massachusetts 34 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Estimated Useful Life Capital Asset Type (in years) Land improvements.............................. 20-30 Buildings and improvements.................. 7-50 Machinery and equipment..................... 3-20 Library books...................................... 10 Vehicles.............................................. 5 Treatment plants.................................. 10-40 Pump stations...................................... 20-40 Reservoirs........................................... 20-40 Infrastructure-........................ ... 20-60 The cost of normal maintenance and repairs that do not add to the value of the assets or materially extend asset lives are not capitalized and are treated as expenses when incurred. Improvements are capitalized. Governmental Fund Financial Statements Capital asset costs are recorded as expenditures in the acquiring fund in the fiscal year of the purchase. K. Interfund Receivables and Payables During the course of its operations,transactions occur between and within funds that may result in amounts owed between funds. Government-Wide Financial Statements Transactions of a buyer/seller nature between and within governmental funds are eliminated from the governmental activities in the statement of net assets. Any residual balances outstanding between the governmental activities and business-type activities are reported in the statement of net assets as"internal balances". Fund Financial Statements Transactions of a buyer/seller nature between and within funds are not eliminated from the individual fund statements. Receivables and payables resulting from these transactions are classified as"Due from other funds" or"Due to other funds" on the balance sheet. L. Interfund Transfers During the course of its operations,resources are permanently reallocated between and within funds. Government-Wide Financial Statements Transfers between and within governmental funds are eliminated from the governmental activities in the statement of net assets. Any residual balances outstanding between the governmental activities and business- type activities are reported in the statement of activities as "Transfers,net". Town of North Andover,Massachusetts 35 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Fund Financial Statements Transfers between and within funds are not eliminated from the individual fund statements and are reported as transfers in and transfers out. M. Deferred Revenue Deferred revenue at the fund financial statement level represents billed receivables that do not meet the available criterion in accordance with the current financial resources measurement focus and the modified accrual basis of accounting. Deferred revenue is recognized as revenue in the conversion to the government-wide financial statements(full accrual). N. Net Assets and Fund Equity Government-Wide Financial Statements (Net Assets) Net assets are reported as restricted when amounts are restricted by outside parties for a specific future use. Net assets have been"restricted" for the following: "Debt service" represents amounts accumulated from the Massachusetts School Building Authority(MSBA)to reduce school construction excluded debt service costs over the next three fiscal years. "Community preservation" represents amounts restricted for the purpose of acquiring land for conservation, recreational, and affordable housing purposes. "Permanent funds- expendable" represents amounts held in trust for which the expenditures are restricted by various trust agreements. "Permanent funds- nonexpendable" represents amounts held in trust for which only investment earnings may be expended. "Other specific purposes" represents restrictions placed on assets from outside parties. Fund Financial Statements (Fund Balances) Fund balances are reserved for amounts that are not available for appropriation or are legally restricted by outside parties for a specific future use. Designations of fund balance represent tentative management plans that are subject to change. Fund balances have been"reserved for" the following: "Encumbrances and continuing appropriations" represents amounts obligated under purchase orders,contracts and other commitments for expenditures that are being carried over to the ensuing fiscal year. "Debt service" represents amounts accumulated from the Massachusetts School Building Authority (MSBA)to reduce school construction excluded debt service costs over the next three fiscal years. "Perpetual permanent funds" represents amounts held in trust for which only investment earnings may be expended. "Other specific purposes" represents restrictions placed on assets from outside parties. Town of North Andover,Massachusetts 36 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Fund balances have been"designated for" the following: "Subsequent year's expenditures" represents amounts appropriated for the fiscal year 2008 operating budget. O. Long-term Debt Government-Wide and Proprietary Fund Financial Statements Long-term debt is reported as liabilities in the government-wide and proprietary fund statements of net assets. Material bond premiums and discounts are deferred and amortized over the life of the bonds using the straight- line method. Bonds payable are reported net of the applicable bond premium or discount. Governmental Fund Financial Statements The face amount of governmental funds long-term debt is reported as other financing sources when the debt is issued. Bond premiums and discounts,as well as issuance costs, are recognized in the current period. Bond premiums are reported as other financing sources and bond discounts are reported as other financing uses. Issuance costs,whether or not withheld from the actual bond proceeds received,are reported as general government expenditures. P. Investment Income Excluding the permanent funds,investment income derived from major and nonmajor governmental funds is legally assigned to the general fund unless otherwise directed by Massachusetts General Law(MGL). Q. Compensated Absences Employees are granted vacation and sick leave in varying amounts based on collective bargaining agreements, state laws and executive policies. Government-Wide and Proprietary Fund Financial Statements Vested or accumulated vacation and sick leave are reported as liabilities and expensed as incurred. Governmental Fund Financial Statements Vested or accumulated vacation and sick leave,which will be liquidated with expendable available financial resources, are reported as expenditures and fund liabilities upon employee retirements and resignations. R. Post Retirement Benefits Government-Wide and Fund Financial Statements In addition to providing pension benefits,health insurance coverage is provided (on a pay-as-you-go basis)for retired employees and their survivors in accordance with MGL Chapter 32. These costs are recognized by recording the employer's 65% share of insurance premiums in the general fund in the fiscal year paid. For the fiscal year ended June 30,2007, this expenditure totaled approximately$383,000. There were approximately 140 participants eligible to receive benefits at June 30,2007. Town of North Andover,Massachusetts 37 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 S. Use of Estimates Government-Wide and Fund Financial Statements The preparation of basic financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure for contingent assets and liabilities at the date of the basic financial statements and the reported amounts of the revenues and expenditures/expenses during the fiscal year, Actual results could vary from estimates that were used. T. Total Column Government-Wide Financial Statements The total column presented on the government-wide financial statements represents consolidated financial information. Fund Financial Statements The total column presented on the fund financial statements is presented only to facilitate financial analysis. Data in this column is not the equivalent of consolidated financial information. NOTE 2- STEWARDSHIP,COMPLIANCE AND ACCOUNTABILITY A. Budgetary Information Municipal Law requires the adoption of a balanced budget that is approved by Town Meeting vote. The Finance Committee presents an annual budget to Town Meeting,which includes estimates of revenues and other financing sources and recommendations of expenditures and other financing uses. Town Meeting,which has full authority to amend and/or reject the budget or any line item, adopts the expenditure budget by majority vote. Increases or transfers between and within departments subsequent to the approval of the annual budget,requires majority approval via Special Town Meeting and are included in the final budget. The majority of appropriations are non-continuing which lapse at the end of each fiscal year. Others are continuing appropriations for which the governing body has authorized that an unspent balance from a prior fiscal year be carried forward and made available for spending in the current fiscal year. These carry forwards are included as part of the subsequent fiscal year's original budget. Generally,expenditures may not exceed the level of spending(salaries,expenses and capital) authorized for an appropriation account. However, the Town is statutorily required to pay debt service,regardless of whether such amounts are appropriated. An annual budget is adopted for the general fund in conformity with the guidelines described above. The original fiscal year 2007 approved budget for the general fund authorized$71,621,440 in appropriations and other amounts to be raised. During fiscal year 2007,a reduction in appropriations totaling$607,948 was authorized. The Accountant's office has the responsibility to ensure that budgetary control is maintained. Budgetary control is exercised through the accounting system. Town of North Andover,Massachusetts 38 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 B. Fund Deficits At June 30,2007,the following fund deficits exist: Fund Amount Funding Source Building permit GLSD special revenue........................ $ 28,460 Available funds Franklin school capital project................................... 20,419 Issuance of long-term debt SPED program special revenue.................................. 20,384 Federal grant Drug free school special revenue................................ 16,470 State grant Title V special revenue............................................. 12,109 Federal grant Extra stipends special revenue................................... 11,342 Available funds Custodial overtime special revenue............................ 10,384 Available funds Teacher training math/science special revenue............. 10,203 Federal grant Athletic association special revenue............................ 4,885 Available funds Partnership award special revenue............................. 3,767 State grant Tech bradstreet sped &tech capital projects................. 3,130 Issuance of long-term debt Tech atkinson,franklin&kittredge capital projects....... 2,384 Issuance of long-term debt Highway improvements fund.................................... 1,250 State grant C. Excess of Expenditures Over Appropriations During the fiscal year ended June 30,2007,expenditures exceeded appropriations for state and county charges and debt service interest. These over-expenditures will be funded by taxes during fiscal year 2008. NOTE 3-DEPOSITS AND INVESTMENTS The municipal finance laws of the Commonwealth authorize the Town to invest temporarily idle cash in bank term deposits and certificates of deposits,and treasury and agency obligations of the United States government, with maturities of one year or less;U.S. treasury or agency repurchase agreements with maturities of not more than 90 days;money market accounts;and the state treasurer's investment pool-the Massachusetts Municipal Depository Trust(MMDT). The MMDT meets the criteria of an external investment pool and operates in accordance with applicable state laws and regulations. The Treasurer of the Commonwealth serves as Trustee. The reported value of the pool is the same as the fair value of pool shares. A cash and investment pool is maintained that is available for use by all funds with unrestricted cash and investments. The deposits and investments of permanent and private purpose trust funds are held separately from other Town funds. Deposits-Custodial Credit Risk Custodial credit risk for deposits is the risk that,in the event of a bank failure,the Town's deposits may not be recovered. The Town does not have a policy for custodial credit risk of deposits. As of June 30,2007,$20,827,462 of the Town's bank balance of$21,721,684 was uninsured and uncollateralized. Town of North Andover,Massachusetts 39 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Investments Summary The Town's investments at June 30,2007 are presented below. All investments are presented by investment type, with debt securities presented by maturity. Investment Maturities Fair Less Than Investment Type Value 1 Year Debt Securities: U.S.Treasuries............................ $ 49,437 $ 49,437 Money market mutual funds......... 267,975 267,975 External investment pools............. 11,466,423 11,466,423 Total debt securities— 11,783,835 $ 11,783,835 Other Investments: Equity securities.......................... 39,974 Equity mutual funds.................... 136,292 Total other investments............... 176,266 Total investments........................ $ 11,960,101 Investments-Interest Rate Risk of Debt Securities Interest rate risk for debt securities is the risk that changes in interest rates of debt securities will adversely affect the fair value of an investment. The Town does not have a policy for interest rate risk of debt securities. Investments-Custodial Credit Risk Custodial credit risk for investments is the risk that,in the event of the failure of the counterparty,the Town will not be able to recover the value of its investments or collateral securities that are in the possession of an outside party. The Town does not have a policy for custodial credit risk of investments. As of June 30,2007, the Town's investments of$11,960,101 were uninsured,not registered in the name of the Town,held by counterparty and exposed to custodial credit risk as follows: Fair Investment Type Value U.S. Treasuries............................ $ 49,437 Money market mutual funds......... 267,975 External investment pools............. 11,466,423 Equity securities.......................... 39,974 Equity mutual funds.................... 136,292 Total.......................................... $ 11,960,101 Town of North Andover,Massachusetts 40 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Investments-Credit Risk of Debt Securities Credit risk for debt securities is the risk that an issuer or other counterparty to a debt security will not fulfill its obligations. The Town does not have a policy for credit risk of debt securities. As of June 30,2007, the credit quality ratings of the Town's debt securities are as follows: Quality Hatin Ls Fair Investment Type Value ,AAA Unrated Money market mutual funds........ $ 267,975 $ 267,975 $ - External investment pools........... 11,466,423 -- 11,466,423 Total........................................ $ 11,734,398 $ 267,975 $ 11,466,423 *Per the rating scale of Standard and Poor's (a national credit rating organization) NOTE 4-ACCOUNTS RECEIVABLE At June 30,2007,receivables for the individual major governmental funds and nonmajor governmental,internal service,and fiduciary funds in the aggregate,including the applicable allowances for uncollectible amounts, are as follows: Allowance Gross for Net Amount Uncollectibles Amount Receivables: Real estate and personal property taxes....... $ 1,165,210 $ - $ 1,165,210 Tax liens................................................... 1,217,457 1,217,457 Motor vehicle and other excise taxes............ 524,268 (256,094) 268,174 Community preservation surcharges........... 17,125 - 17,125 Departmental and other.............................. 618,816 (299,676) 319,140 Intergovernmental...................................... 13,754,067 mm 13,754,067 $ 17,296,943 $ (555,770) $ 16,741,173 At June 30, 2007,receivables for the water and sewer enterprise funds consist of the following: Allowance Gross for Net Amount Uncollectibles Amount Receivables: User charges and utility liens....................... $ 2,583,574 $ $ 2,583,574 Intergovernmental..................................... 1,331,170 1,331,170 $ 3,914,744 $ - $ 3,914,744 Town of North Andover,Massachusetts 41 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30, 2007 Governmental funds report deferred revenue in connection with receivables and other assets(tax foreclosures)for revenues that are not considered to be available to liquidate liabilities of the current period. The following identifies the various components of deferred revenue reported in the governmental funds: Community General Preservation Fund Fund(Major) Total Receivable tyke: Real estate and personal property taxes................ $ 874,868 $ - $ 874,868 Tax liens......................................................... 1,217,457 - 1,217,457 Motor vehicle and other excise taxes.................... 268,174 - 268,174 Community preservation surcharges.................... - 17,125 17,125 Departmental and other..................................... 224,490 - 224,490 Intergovernmental(state school construction)........ 12,296,650 12,296,650 Intergovernmental(CPA state match).................. - 1,189,634 1,189,634 Tax foreclosures............................................... 237,311 - 237,311 '.r0t'<tl...,. ............. ................. $ 15,1"18,950 $ 1,206,759 $ 16,325,709 The Commonwealth has approved school construction assistance. The assistance program,which is administered by the MSBA,provides resources for future debt service of previously issued general obligation school bonds outstanding. During fiscal year 2007, approximately$1,925,000 of such assistance was received. Approximately $16,400,000 will be received in future fiscal years. Of this amount, approximately$4,100,000 represents reimbursement of long-term interest costs,and approximately$12,300,000 represents reimbursement of approved construction costs. Accordingly, a$12,296,650 intergovernmental receivable and corresponding deferred revenue have been reported in the governmental funds financial statements. The deferred revenue has been recognized as revenue in the conversion to the government-wide financial statements. During fiscal year 2007, the MSBA authorized the final reimbursement(totaling$11,140,820) of the school building assistance award for the North Andover High School Project. Of this amount,$10,635,131 represents reimbursement of approved construction costs,which were used to retire outstanding bond anticipation notes, and$505,689 represents reimbursement of approved short-term interest costs,which were credited to the general fund and set aside to reduce related debt service costs over the next three fiscal years. Town of North Andover,Massachusetts 42 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 NOTE 5-CAPITAL ASSETS Capital asset activity for the fiscal year ended June 30, 2007,was as follows: Beginning Ending Balance Increases Decreases Balance Governmental Activities: Capital assets not being depreciated: Land........................................................... $ 16,253,510 1,404,099 $ $ 17,657,609 Construction in progress................................. 6,002,963 453,985 6,456,948 Total capital assets not being depreciated...... 22,256,473 1,858,084 24,114,557 Capital assets being depreciated: Land improvements....................................... 2,717,500 - 2,717,500 Buildings and improvements........................... 116,195,342 370,075 116,565,417 Machinery and equipment.............................. 7,894,564 402,995 8,297,559 Library books............................................... 3,586,350 - 3,586,350 Vehicles...................................................... 2,548,582 167,695 (137,690) 2,578,587 Infrastructure............................................... 30,529,747 609,561 31,139,308 Total capital assets being depreciated........... 163,472,085 1,550,326 (137,690) 164,884,721 Less accumulated depreciation for: Land improvements—, (1,501,388) (135,875) - (1,637,263) Buildings and improvements........................... (29,179,851) (3,012,422) - (32,192,273) Machinery and equipment.............................. (5,232,578) (475,243) - (5,707,821) Library books............................................... (3,177,401) (94,180) - (3,271,581) Vehicles...................................................... (1,608,262) (288,606) 137,690 (1,759,178) Infrastructure............................................... (11,344,840) (1,062,631) - (12,407,471) Total accumulated depreciation.................. (52,044,320) (5,068,957) 137,690 (56,975,587) Total capital assets being depreciated,net............... 111,4271,765 (3,518,631) 107,909,134 Total governmental activities capital assets,net........ $ 133,684,238 $ (1,660,547) $ $ 132,023,691 Town of North Andover,Massachusetts 43 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30, 2007 Beginning Ending Balance Increases Decreases Balance Business-Type Activities: Capital assets not being depreciated: Land.... .................. ................................. $ 6,097,262 $ - $ $ 6,097,262 Construction in progress................................. 1,606,513 4,244,085 5,850,598 Total capital assets not being depreciated...... 7,703,775 4,244,085 11,947,860_ Capital assets being depreciated: Land improvements....................................... 216,259 - 216,259 Buildings and improvements........................... 1,832,344 76,271 1,908,615 Machinery and equipment.............................. 1,661,310 76,979 1,738,289 Vehicles...................................................... 406,288 - (19,000) 387,288 Treatment plants........................................... 16,573,234 16,573,234 Pump stations.............................................. 2,966,257 2,966,257 Reservoirs.................................................... 1,477,296 - 1,477,296 Infrastructure............................................... 38,469,960 1,302,541 39,772,501 Total capital assets being depreciated_ 63,602,948 1,455,791 (19,000) 65,039,739 Less accumulated depreciation for: Land improvements....................................... (53,488) (9,047) (62,535) Buildings and improvements........................... (385,371) (66,524) (451,895) Machinery and equipment.............................. (670,255) (111,440) (781,695) Vehicles...................................................... (242,134) (46,716) 19,000 (269,850) Treatment plants........................................... (7,599,774) (452,258) - (8,052,032) Pump stations.............................................. (1,517,691) (115,656) - (1,633,347) Reservoirs.................................................... (875,576) (52,321) - (927,897) Infrastructure............................................... (8,964,496) (662,875) - (9,627,371) Total accumulated depreciation.................. (20,308,785) (1,516,837) 19,000 (21,806,622)_ Total capital assets being depreciated,net............... 43,294,163 (61,046) - 43,233,117 Total business-type activities capital assets,net........ $ 50,997,938 $ 4,183,039 $ $ 55,180,977 Town of North Andover,Massachusetts 44 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Depreciation expense was charged to functions/programs of the primary government as follows: Governmental Activities: General government.................................................... $ 49,227 Public safety......................................................,......,, 407,724 Education.................................................................. 2,948,315 Public works.............................................................. 1,252,231 Health and human services........................................... 121,872 Culture and recreation................................................. 289,588 Total depreciation expense-governmental activities.............. $ 5,068,957 Business-Type Activities: Water........................................................................ $ 585,565 Sewer........................................................................ 855,120 OsgoodHill................................................................ 76,152 Total depreciation expense-business-type activities.............. $ 1,516,837 NOTE 6- INTERFUND RECEIVABLES,PAYABLES AND TRANSFERS Receivables and payables between funds at June 30,2007,are summarized as follows: Receivable Fund Payable Fund Amount General Fund...... Water Enterprise Fund........ $ 53,349 (1) (1) Cash advance to water enterprise operating fund Interfund transfers for the fiscal year ended June 30,2007, are summarized as follows: Transfers In: Nonmajor Osgood General Governmental Hill Transfers Out: Fund Funds Fund Total General Fund............................. $ - $ 503,666 $ - $ 503,666 (1) Community Preservation Fund..... - 51,760 51,760 (2) Nonmajor Governmental Funds.... 17,928 - m 17,928 (3) Water Enterprise Fund................. 534,632 - 534,632 (4) Sewer Enterprise Fund................. 253,989 - 253,989 (4) Osgood Hill Fund....................... 83,119 - _ 83,119 (4) $ 889,668 $ 503,666 $ 51,760 $ 1,445,094 Town of North Andover,Massachusetts 45 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 1) Represents budgeted transfers to the school cafeteria special revenue fund ($312,214) and to the highway improvements special revenue fund($191,452)to fund permanent deficits. 2) Represents transfer to fund Osgood Hill capital outlay. 3) Represents budgeted transfer from the trash fee stabilization special revenue fund. 4) Represents budgeted transfers for indirect costs. NOTE 7-SHORT-TERM FINANCING Short-term debt may be authorized and issued to fund the following: • Current operating costs prior to the collection of revenues through issuance of revenue anticipation notes (RAN)or tax anticipation notes (TAN). • Capital project costs and other approved expenditures incurred prior to obtaining permanent financing through issuance of bond anticipation notes(BAN) or grant anticipation notes(GAN). Short-term loans are general obligations and carry maturity dates that are limited by statute. Interest expenditures/expenses for short-term borrowings are accounted for in the general fund,community preservation fund and enterprise funds. Details related to the short-term debt activity for the fiscal year ended June 30,2007,is as follows: Notes Payable- Governmental Funds Origination Maturity Interest Balance at Balance at Type Description Date Date hate 6/30/2006 Increases Decreases 6/30/2007 BAN High School Construction,. 10/5/05 10/5/06 4.00% $ 9,61.0,899 $ $ (9,610,899) $ BAN Land Acquisition/CPA.,.... ........... 10/5/05 10/5/06 4.00`! 1,359,179 (1,359,179) BAN High School Construction.... .................... 10/5/06 4/4/07 4.00% - 9,610,899 (9,610,899) BAN Land Acquisition/CPA............................. 10/5/06 10/4/07 100% 1,603,546 1,603,546 BAN Fire Equipment.... .... .. ..... ................... 6/19/07 6/19/08 3.85% 158,539 158,539 BAN School Projects. ...,.... ...... ......... 6/19/07 6/19/08 185% 2 16,729 216,729 BAN Roadway and Sidewalk Improvements......., 6/19/07 6/19/08 3.85% 794,360 794,360 BAN DPW Equipment.................................... 6/19/07 6/19/08 3,85% - 270,000 270,000 BAN Other Projects..... ...................... 6/19/07 6/19/08 185% 48,502 48,502 Total... ...... $ 10,970,078 $ 12,702,575 $ (20,580,977) $ 3,091,676 Notes Payable-Enterprise Funds Origination Maturity Interest Balance at Balance at Type Description Date Date hate 6/30/2006 Increases Decreases 6/30/2007 BAN MW4dPA'F........... ....... 12/1/06 12/31/07 1.73! $ $ 2,625,899 $ (2,625,899) $ - BAN Sewer Presjeds....................................... 6/19/07 6/19/08 3.8510 - 231,870 231,870 BAN Water Mains........................... .............. 6/19/07 6/19/08 185% 110,000 110,000 rtai.....................,............................. $ $ 2,967,769 $ (2,625,899) $ 34 1,870 Town of North Andover,Massachusetts 46 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Subsequent Events On October 4,2007, the Town used community preservation funds to retire the outstanding BAN for land acquisition in the amount of$1,603,546. On December 18,2007, the Town issued$5,532,288 of MWPAT drinking water bonds. Of this amount$2,625,899 was used to retire the MWPAT BAN outstanding at June 30, 2006. Accordingly,the$2,625,899 of MWPAT drinking water bonds issued subsequent to year end is included as long-term debt at June 30,2007. NOTE 8 -LONG-TERM DEBT Chapter 44,Section 10,of the MGL authorizes indebtedness up to a limit of 5% of the equalized valuation. Debt issued in accordance with this section of the law is designated as being"inside the debt limit". However, debt may be authorized in excess of that limit for specific purposes. Such debt,when issued,is designated as being "outside the debt limit". Details related to the outstanding indebtedness at June 30,2007,and the debt service requirements are as follows: Bonds and Notes Payable- Governmental Funds Outstanding Outstanding Interest at June 30, at June 30, Project Rate 2006 Additions Reductions 2007 Municipal Purpose Loan of 1997........ 4.8-5.5% $ 559,000 $ $ (559,000) $ Land Acquisition-Public Domain...... 4.3-6.0% 3,290,000 (205,000) 3,085,000 Municipal Purpose Loan 1998............ 4.3-5.4% 14,110,000 (890,000) 13,220,000 Municipal Purpose Loan 1998............ 4.3-6.0% 6,970,000 - (585,000) 6,385,000 Municipal Purpose Loan of 2001........ 4.0-4.2% 425,000 - (85,000) 340,000 Municipal Purpose Loan of 2002........ 4.0-4.5% 7,940,000 (1,841,250) 6,098,750 Municipal Purpose Loan of 2003........ 2.3-4.0% 744,120 (119,000) 625,120 Municipal Purpose Loan of 2004........ 2.0-5.0% 6,235,000 (985,000) 5,250,000 Refunding Bonds of 2004.................. 2.0-4.2% 5,293,900 - (64,434) 5,229,466 Municipal Purpose Loan of 2005........ 3.0-4.0% 1,331,488 m (230,512) 1,100,976 Municipal Purpose Loan of 2005........ 3.0-4.0% 6,643,261 - (789,328) 5,853,933 High School Construction................. 3.3-5.0% 3,000,000 (150,000) 2,850,000 Sargent School Ventilation................. 3.6-4.5% 72,805 7,195 (7,805) 72,195 School System Technology................ 3.6-4.5% 205,000 44,805 (25,750) 224,055 Roadwork...................................... 3.6-4.5% 217,195 - (43,595) 173,600 Drainage Improvements................... 3.6-4.5% - 52,000 (5,200) 46,800 Town Garage Heating...................... 3.6-4.5% - 25,000 (2,500) 22,500 Sub-total............ .............. 57,036,76 129,000 (6,588,374) 50,577,395 Deferred loss on refundings............... (551,457) - 65,205 (486,252) Total governmental funds,net........... $ 56,485,312 $ 129,000 $ (6,523,169) $ 50,091,143 Town of North Andover,Massachusetts 47 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Debt service requirements for principal and interest for governmental bonds and notes payable in future fiscal years are as follows: Fiscal Year Principal Interest Total 2008........... $ 6,094,566 $ 2,106,758 $ 8,201,324 2009........... 6,153,261 1,854,812 8,008,073 2010........... 5,278,024 1,616,330 6,894,354 2011........... 5,204,245 1,404,226 6,608,471 2012........... 5,165,248 1,192,873 6,358,121 2013........... 4,071,566 977,922 5,049,488 2014........... 4,099,560 805,820 4,905,380 2015........... 2,941,164 643,140 3,584,304 2016........... 2,689,777 506,315 3,196,092 2017........... 2,715,000 381,939 3,096,939 2018........... 2,835,000 252,690 3,087,690 2019........... 1,010,000 117,462 1,127,462 2020........... 370,000 86,662 456,662 2021........... 370,000 71,862 441,862 2022........... 365,000 57,162 422,162 2023........... 355,000 42,762 397,762 2024........... 355,000 28,340 383,340 2025........... 354,984 13,696 368,680 2026........... 150,000 3,187 153,187 Tota&.......... $ 50,577,395 $ 12,163,958 $ 62,741,353 Town of North Andover,Massachusetts 48 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Bonds and Notes Payable-Water Enterprise Fund Outstanding Outstanding Interest at June 30, at June 30, Project Rate 2006 Additions Reductions 2007 Municipal Purpose Loan of 1996..... 4.0-5.2% $ 1,536,134 $ - $ (351,690) $ 1,184,444 Municipal Purpose Loan of 1997..... 4.8-5.5% 101,000 - (101,000) - Municipal Purpose Loan of 1998..... 4.5-5.4% 2,515,100 (340,800) 2,174,300 Municipal Purpose Loan of 2001..... 4.0-4.2% 325,000 - (65,000) 260,000 Municipal Purpose Loan of 2002..... 4.0-4.5% 1,605,000 (398,750) 1,206,250 Municipal Purpose Loan of 2003..... 2.3-4.0% 3,279,943 - (443,712) 2,836,231 Refunding Bonds of 2004............... 2.0-4.2% 951,100 y (10,566) 940,534 Municipal Purpose Loan of 2005..... 3.0-4.0% 2,188,800 (243,200) 1,945,600 Municipal Purpose Loan of 2005..... 3.0-4.0% 510,000 - (30,165) 479,835 Water Supply System Security........ 3.6-4.5% 135,000 80,000 (21,500) 193,500 Bear Hill Water Tank.................... 3.6-4.5% 95,000 (19,000) 76,000 Sutton Hill Water Tank.................. 3.6-4.5% 75,000 10,000 (17,000) 68,000 Lake Outlet Structure.................... 3.6-4.5% 600,000 (60,000) 540,000 MWPAT..................................... 2.00% - 2,625,899 2,625,899 Sub-total..................................... 13,317,077 3,315,899 (2,102,383) 14,530,593 Deferred loss on refundings........... (460,782), - 74,672 (386,110) Total water enterprise fund,net...... $ 12,856,295 $ 3,315,899 $ (2,027,711) $ 14,144,483 Town of North Andover,Massachusetts 49 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Debt service requirements for principal and interest for water enterprise fund bonds and notes payable in future fiscal years are as follows: Fiscal Year Principal Interest Total 2008...........$ 1,987,371 $ 456,138 ; 2,443,509 2009,,........,, 2,025,152 379,827 2,404,979 2010.......,.,, 1,969,336 353,734 2,323,070 2011,,,..,..... 1,962,836 273,112 2,235,948 2012,......,,., 1,494,978 210,805 1,705,783 2013-......... 1,345,866 155,541 1,501,407 2014,........... 785,514 104,987 890,501 2015........... 777,324 78,211 855,535 2016.......,... 400,180 50,320 450,500 2017................, 166,759 37,840 204,599 2018.,,......., 169,320 33,406 202,726 2019........,,. 131,932 28,920 160,852 2020,,,,,..,,,. 134,598 26,280 160,878 2021.,,..,,,,,. 137,317 23,588 160,905 2022,.,.,,..... 140,091 20,842 160,933 2023..... .., 142,921 18,040 160,961 2024........... 145,808 15,182 160,990 2025........... 148,754 12,266 161,020 2026........,.. 151,759 9,290 161,049 2027,..,,....,, 154,825 6,256 161,081 2028........... 157,952 3,160 161,112 Total.......... $ 14,530,593 $ 2,314,095 $ 15,878,475 Town of North Andover,Massachusetts 50 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Bonds and Notes Payable-Sewer Enterprise Fund Outstanding Outstanding Interest at June 30, at June 30, Project Rate 2006 Additions Reductions 2007 MWPAT...................................... 3.7-5.4% $ 447,707 $ $ (39,231) $ 408,476 MWPAT...................................... 3.4-5.4% 387,958 (33,996) 353,962 MWPAT...................................... 3.4-5.4% 552,266 a (48,393) 503,873 Municipal Purpose Loan of 1996...... 4.0-5.2% 323,865 (63,310) 260,555 Municipal Purpose Loan of 1998...... 4.3-5.40/. 379,900 (44,200) 335,700 Municipal Purpose Loan of 1998...... 4.3-6.0% 465,000 (40,000) 425,000 MWPAT...................................... 2.8-3.4% 823,987 (49,008) 774,979 MWPAT...................................... 2.8-3.45/. 307,163 (18,537) 288,626 MWPAT...................................... 2.8-3.47. 1,108,143 (65,619) 1,042,524 MWPAT...................................... 2.8-3.5% 211,109 (12,267) 198,842 MWPAT...................................... 2.8-3.5% 172,541 (10,219) 162,322 MWPAT...................................... 2.8-3.5% 127,326 (6,545) 120,781 MWPAT...................................... 2.6-2.8% 1,994,269 (108,338) 1,885,931 Municipal Purpose Loan of 2001...... 4.0-4.8% 925,000 (85,000) 840,000 Municipal Purpose Loan of 2002...... 4.0-5.1% 3,650,000 (230,000) 3,420,000 Municipal Purpose Loan of 2003...... 2.3-3.70/. 3,265,938 (292,289) 2,973,649 Municipal Purpose Loan of 2005...... 3.0-4.0% 1,464,712 (166,288) 1,298,424 Municipal Purpose Loan of 2005...... 3.0-4.0% 346,739 (20,509) 326,230 Sewer Extension............................ 3.6-4.5% 100,000 620,000 (51,650) 668,350 Sub-total..,. ............ .................. 17,053,623 620,000 (1,385,399) 16,288,224 Deferred loss on refundings............ (42,829) 6,751 X(M 18) -1�'�_ Total sewer enterprise fund,net....... $ 17,010,794 $ 620,000 (1,378,648) $ 16,252,146 Town of North Andover,Massachusetts 51 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30, 2007 Debt service requirements for principal and interest for sewer enterprise fund bonds and notes payable in future fiscal years are as follows: Fiscal Year Principal Interest Total 2008..........$ 1,399,762 $ 721,130 $ 2,120,892 2009.......... 1,412,204 659,435 2,071,639 2010.......... 1,439,380 604,791 2,044,171 2011.......... 1,447,749 529,425 1,977,174 2012.......... 1,461,078 472,712 1,933,790 2013.......... 1,470,198 409,131 1,879,329 2014.......... 1,474,642 349,929 1,824,571 2015.......... 1,498,919 279,260 1,778,179 2016.......... 1,109,292 214,165 1,323,457 2017.......... 850,000 164,397 1,014,397 2018.......... 860,000 122,513 982,513 2019.......... 650,000 82,867 732,867 2020.......... 625,000 52,322 677,322 2021.......... 375,000 26,240 401,240 2022.......... 215,000 11,018 226,018 Total......... $ 16,288,224 $ 4,699,335 $ 20,987,559 During fiscal year 2007, the Town issued$1,439,000 in general obligation bonds for school ventilation,school system technology improvements, drainage improvements, town garage heating and water and sewer projects. The Town also issued MWPAT drinking water bonds in the amount of$2,625,899. The Town receives subsidy assistance from the Massachusetts Water Pollution Abatement Trust(MWPAT). Principal and interest on the outstanding bonds for MWPAT is subsidized over the life of the bonds to assist the Town in the repayment of this future debt. During fiscal year 2007,the Town's subsidy totaled approximately $289,500. Future subsidies total approximately$2,708,000. The amount of MWPAT bonds outstanding at June 30, 2007,totaled$8,366,215. The Town is subject to various debt limits by statute and may issue additional general obligation debt under the normal debt limit. At June 30,2007,the Town had the following authorized and unissued debt: Purpose Amount Public safety projects................................... $ 521,087 Public works projects.................................. 1,726,846 Education projects...................................... 814,000 Community preservation(land acquisition)..... 1,603,546 Other general governmental projects.............. 80,000 Water projects............................................ 3,016,389 Sewer projects............................................ 231,870 Total................... ................................... 7,993,738 * $2,906,389 issued subsequent to year-end. Town of North Andover,Massachusetts 52 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Changes in Long-Term Liabilities During the fiscal year ended June 30, 2007,the following changes occurred in long-term liabilities: Balance Balance June 30, June 30, Current 2006 Increases Decreases 2007 Portion Governmental Activities: Bonds and notes payable,gross..... $ 57,036,769 $ 129,000 $ (6,588,374) $ 50,577,395 $ 6,094,566 Unamortized deferred loss on refundings........................... (551,457) - 65,205 (486,252) 65,205 Bonds and notes payable,net........ 56,485,312 129,000 (6,523,169) 50,091,143 6,029,361 Compensated absences................ 1,377,887 30,957 1,408,844 140,884 Total......................................... $ 57,863,199 $ 159,957 $ (6,523,169) $ 51,499,987 $ 6,170,245 Business-type Activities: Bonds and notes payable, gross..... $ 30,370,700 $ 3,935,899 $ (3,487,782) $ 30,818,817 $ 3,387,133 Unamortized deferred loss on refundings........................... (51)3,fi'l.l.' _ 81,423 (422,188) 81,423 Bonds and notes payable,net........ 21,867,089 3,935,899 ('3,406,359) 30,396,629 3,305,710 Court judgments........................ 280,000 56,000) 224,000 56,000 Total..,,... ........ 30,147,089 $ 3,935,899 $ (3,462,359) $ 30,620,629 $ 3,361,710 The governmental activities long-term liabilities are generally liquidated by the general fund,except for bond principal and interest costs related to the community preservation fund (major fund). NOTE 9-RISK FINANCING The Town is exposed to various risks of loss related to torts;theft of,damage to and destruction of assets;errors and omissions;and natural disasters for which the Town carries commercial insurance. The Town participates in a premium-based workers' compensation plan for its active and retired employees. The Town is self-insured for its health insurance activities. These activities are accounted for in the internal service fund where revenues are recorded when earned and expenses are recorded when incurred. Health Insurance The estimated "Incurred But Not Reported (IBNR)" claims are based on actual and historical lag claims. The liability at June 30,2007 totaled$869,507. Changes in the reported liability since July 1,2005,are as follows: Town of North Andover,Massachusetts 53 Basic Financial Statements Notes to Basic Financial Statements For the Fiscal Year Ended June 30,2007 Current Year Balance at Claims and Balance at Beginning of Changes in Claims Fiscal Fiscal Year Estimate Payments Year-end Fiscal year 2006............... $ 1,086,101 $ 7,881,436 $ (7,826,723) $ 1,140,814 Fiscal year 2007............... $ 1,140,814 $ 8,039,341 $ (8,310,648) $ 869,507 NOTE 10-PENSION PLAN Plan Description-The Town contributes to the Essex Retirement System(System), a cost-sharing multiple- employer defined benefit pension plan administered by the Essex County Retirement Board. Substantially all employees of the Town are members of the System,except for public school teachers and certain administrators who are members of the Massachusetts Teachers Retirement System (MTRS),to which the Town does not contribute. Pension benefits and administrative expenses paid by the Teachers Retirement Board are the legal responsibility of the Commonwealth. The amount of these on-behalf payments totaled approximately$4,986,000 for the fiscal year ended June 30, 2007,and, accordingly, are reported in the general fund as intergovernmental revenues and pension expenditures. The System provides retirement, disability and death benefits to plan members and beneficiaries. Chapter 32 of the MGL assigns authority to establish and amend benefit provisions of the plan. Cost-of-living adjustments granted between 1981 and 1997 and any increases in other benefits imposed by the Commonwealth's state law during those years are borne by the Commonwealth and are deposited into the pension fund. Cost-of-living adjustments granted after 1997 must be authorized by the Essex County Retirement Board and are borne by the System. The System issues a publicly available report in accordance with guidelines established by the Commonwealth's Public Employee Retirement Administration Commission. That report may be obtained by contacting the System located at 36 Federal Street,Salem,Massachusetts,01970. Funding Policy-Plan members are required to contribute to the System at rates ranging from 5% to 11% of annual covered compensation. The Town is required to pay into the System its share of the system-wide actuarial determined contribution that is apportioned among the employers based on active current payroll. Chapter 32 of MGL governs the contributions of plan members. The Town's contributions to the System for the fiscal years ended June 30,2007,2006,and 2005 were$2,227,020,$2,082,692,and$1,947,643,respectively,which equaled its required contribution for each fiscal year. NOTE 11 -COMMITMENTS The Town has entered into contracts totaling approximately$4,745,000 for various school projects,public safety projects, public works projects,land acquisition and other governmental projects. The Town has entered into, or is planning to enter into,contracts totaling approximately$3,248,000 for improvement projects of its water and sewer distribution systems. The Town has entered into an agreement with Wheelabrator,Inc. to dispose a minimum tonnage of solid waste and make certain minimum payments for such disposal at Wheelabrator,Inc.'s facility located within the Town. These payments are unconditionally obligated without regard to any tonnage at the facility and whether or not the facility continues in operation. The Town's cost under the agreement totaled approximately$596,000 for the fiscal year ended June 30,2007. Town of North Andover,Massachusetts 54 Basic Financial Statements Notes ho Basic Financial Statements For the Fiscal Year Ended June 3O,2OO7 As host community of the waste-to-energy facility(owned and operated by WNAI),the Town receives a "Payment in Lieu o/Taxes (PIL0)" that isequal to$2.O5 for each ton of waste processed. This amount is adjusted annually for changes in the Boston consumer price index and totaled approximately$1,282,000 during fiscal year 2OO7. NOTE 12-CONTINGENCIES Various legal actions and claims are pending against d6cTonm.. Litigation io subject ho many uncertainties,and the outcome of individual litigated matters is not always predictable. Although the amount of liability,if any, at June 30,2007,cannot be ascertained,management believes any resulting liability should not materially affect the financial position o{the Town et June 3O,20U7. The Town participates inw number o{federal award programs. Although the grant programs have been audited in accordance with the provisions of the Single Audit Act Amendments of 1996 through June 30,2007,these programs are still subject tn financial and compliance audits. The amount,if any, of expenditures which may 6e disallowed by the granting agencies cannot be determined at this time,although the Town expects such amounts, iF any, tobeimmaterial. NOTE 23-FUTURE IMPLEMENTATION OF GASBPlXUNODC8MENTB The G/\5D has issued the following statements: > Financial Reportingfor Posternployment Benefit Plans Other Than Pension Plans,which is required to be implemented during fiscal year 2008, This Statement will not impact the Town's basic financial statements. � Accounting and Financial Reporting by Employersfor Postemploynient Benefits Other Than Pensions, which is required tobe implemented during fiscal year 20O0. The Town ia currently evaluating the effect that this Statement will have on its basic financial statements. > Sales and Pledges nf Receivables and Future Revenues and Iutru-Eu6ty Transfers of Assets and Future Revenues,which is required to be implemented during fiscal year 2008. The Town imcurrently evaluating the effect that this Statement will have on its basic financial statements. � Accounting and Financial Rrpordn%6or Pollution Rnmcdiut/on Obligations,vrbjcbiozcgnbedto 6e implemented during fiscal year 2O09. The Town ia currently evaluating the effect that this Statement will have oo its basic financial statements. �k Pension Disclosures,which is required to be implemented during fiscal year 2008. The Town is currently evaluating the effect that this Statement will have on its basic financial statements. � Accounting and Financial Reportingfor Intangible Assets,which is required to be implemented during fiscal year 2010. The Town is currently evaluating the effect that this Statement will have oo its basic financial statements. These pronouncements will bc implemented by their respective due dates. Town o/North Andover,Massachusetts 55 Basic Financial Statements This page left intentionally blank. 56 Required Supplementary Information 57 GENERALFUNLI SCHEDULE OF REVENUES,EXPENDITURES AND CHANGES IN FUND BALANCE BUDGET AND ACTUAL, FOR THE FISCAL,YEAR ENDED TUNE 30,2007 Prior Year Encumbrances Supplemental and Continuing Original Appropriations Final p p ' g Transfers Budget A ro nations Bud et and .......... REVENUES Real estate and personal property taxes............................... S $ 50,780,645 $ (1,459,355) $ 49,321,290 Motor vehicle and other excise taxes.................................... 3,985,000 3,985,000 Taxliens. .....-,.- ........ .. Payments in lieu of taxes............ ......... ....... 1,595,75, y .................... ... .... - 3 - 1,595,753 Charges for services........ ........--........... ......... 650,000 650,000 Intergovernmental....................................... ...... 9,550,833 Penalties and interest on taxes............................................ 186,700 186,700 Licenses,permits and fees............ ....... ........ 1,415,350 1,415,350 Fines and forfeitures................. 102,560 102,560 Departmental.................................................................. 348,308 348,308 Investment income,............ . ......... ......... 850,000 - 850,000 TOTAL REVENUES................................................ - 69,465,149 (1,459,355) 68,005,794 EXPENDITURES Current: General government,................... 91,472 2,430,035 (39,996) 2,481,511 Public safety.............................................................. 10,767 8,262,082 184,920 8,457,769 Education,.... ....--......... ........ ...... ........ ...... 99,238 33,374,429 (1,026,709) 32,446,958 Public works............................................................... 3,355 3,945,645 (154,319) 3,794,681 Health and human services........................................... 1,438 751,822 (17,600) 735,660 Culture and recreation..... ...... ......... . ....................... 30 745,707 (49,824) 695,913 Pension benefits-..... ... ....... .................................... 2,227,020 2,227,020 Employee benefits-.-.... .... ... .......... ......... ........... 32,740 7,941,499 39,578 8,008,817 Property and Liability insurance,............. .... ... 416,516 (6,110) 415,406 State and county charges................................................... ... 2,127,944 2,127,944 Debt:service: Principal................................................................... 6,616,222 6,588,372 Interest- ..........- 2,782,519 41,554) 2,768,815 TOTAL EXPENDLTUIdLS ........ 239,040 71,621,440 (1,111,614 70,748,866 EXCESS(DEFICIENCY)OF REVENUES OVER EXPENDITURES., , ....... .......... (239,04 (2,156,291) (347,741 (2,743,072) t3`I.`HER FINANCING SOU.rRCEIl S(USES) Transfers in................................................................... 889,668 889,668 Premium from issuance of bonds and notes..... ...... . 150,000 150,000 Sake of capital assets.....I....- ---....... ---... ...... Transfers out................ ........... (503,666) 503,666 TOTAL OTFIER FINANCING SOURCE'S(USES).......... 1,039,668 (503,61,6) 536,002 NET CHANGE IN FUND BALANCE,....... ......... ....... (239,040) (1,116,623) (851,407) (2,207,070) FUND BALANCE AT BEGINNING OF YEAR........................... 6,230,788 6,230,788 6,230,788 6,230,788 FUND BALANCE AT END OF YEAR-. ..........--...... $ 5,991,748 $ 5,114,165 5,379,381 $ 4,023,718 See notes to basic financial statements. Town of North Andover,Massachusetts 58 Required Supplementary Information Current Year Actual and Encumbrances Encumbrances Variance and Continuing and Continuing Positive/ Actual AEELopriations AEE2P i"atOls aUvje - _IHM _ _ $ 48,915,350 $ $ 48,915,350 (405,940) 3,477,581 3,477,581 (507,419) 282,196 282,196 282,196 1,586,050 1,586,050 (9,703) 797,455 797,455 147,455 10,222,221. 10,222,221 671,388 305,539 305,539 118,839 1,245,595 1,245,595 (169,755) 124,303 124,303 21,743 415,233 415,233 66,925 1,082,484 1,082,484 232,484 68,454,007 68,454,007 448,213 . ...............-- 2,427,837 26,006 2,453,843 27,668 8,308,701 41,305 8,350,006 107,763 32,052,996 374,016 32,427,012 19,946 3,599,351, 121,721 3,721,072 73,609 729,238 182 729,420 6,240 675,313 12,917 688,230 7,683 2,227,020 - 2,227,020 - 7,957,488 6,000 7,963,488 45,329 415,406 - 415,406 - 2,170,566 2,170,566 (42,622) 6,588,372 6,588,372 2,961,033 2,961,033 92,218) 70,113,321 582,147 70,695,468 53,398 ___S1,659,3141 582,147 2,241,461 501,611 889,668 889,668 (150,000) 1,770 1,770 1,770 L503,6661 387,772 387,772 S148,230 (1,271,542) (582,147) (1,853,689) 353,381 6,230,788 6,230,788 6,230,788 - $ 4,959,246 $ 5,648,641 $ 4,377,099 $ 353,381 Town of North Andover,Massachusetts 59 Required Supplementary Information Notes to Required Supplementary Information For the Fiscal Year Ended June 30,2007 Budgetary- GAAP Reconciliation For budgetary financial reporting purposes,the Uniform Massachusetts Accounting System basis of accounting (established by the Commonwealth) is followed,which differs from the GAAP basis of accounting. A reconciliation of budgetary-basis to GAAP-basis results for the general fund for the fiscal year ended June 30, 2007,is presented below: Revenues Expenditures Budgetary basis as reported on the schedule of revenues,expenditures and changes in fund balance-budget and actual..................................................... $ 68,454,007 $ 70,695,468 Adjustments Net change in recording 60-day receipts.................................... 122,459 Net change in recording tax refunds payable.............................. (260,188) - To record activity for MTRS on-behalf payments........................ 4,985,830 4,985,830 Net change in recording short-term interest accrual..................... - (273,349) To account for encumbrances and continuing appropriations........ (582,147) GAAP basis as reported on the statement of revenues, expenditures and changes in fund balances................................ $ 73,302,108 $ 74,825,802 Town of North Andover 60 Required Supplementary Information Additional Information 61 ENTERPRISE FUNDS SCHEDULE OF REVENUES, EXPENSES AND CHANGES IN FUND NET ASSETS BUDGETARY BASIS-BUDGET AND AC`I'UAL FOR THE FISCAL YEAR ENDED JUNE 30,2007 Water Fund Variance Original Final Positive/ b!� .�et Bud.g.et Actual (Negative) ................. .............................. ...................... OPERATING REVENUES Charges for services- -—.-...——............. $ 5,208,723 $ 5,208,723 $ 4,405,686 $ (803,037) Utility hens—........... ... ........ ..........—........... ....... 179,646 179,646 Penalties and interest..... ...... ......... ........ .................. 18,000 18,000 18,915 915 TOTAL OPERATING REVENUES... ............ 5,226,723 5,226,723 4,604,247 (622,476) OPERATING EXPENSES Cost of service and administration... ............ ......... 2,095,890 2,095,890 1,756,684 339,206 GLSD assessment...................... .. ........ ..... ... Debt service-principal................. .......... ...... 2,129,632 2,129,632 2,102,382 27,250 TOTA 1.OPERATING EXPEND ffU RES .........—...... . 4,225,522 4,225,522 3,859,066 366,456 EXCESS(DEFICIENCY)OF REVENUES OPERATING INCOME(L.OSS).................................... 1,001,201 1,001,201 745,181 (256,020) NONOPERATING REVENUES(EXPENSES) Interest expense— ........... .... .... (502,609) (502,609) (533,114) (30,505) TOTAL.NONOPERATING REVENUES(EXPENSE),NET (502,609) (502,609) (533,114) (30,505) ............................................ ........................................................... --- INCOME(LOSS)BEFORE TRANSFERS......... ....... ...... 498,592 498,592 212,067 (286,525) TRA.NSFFRS Transfers out, ............. ......... (534,632) 4,632) 34,632) CHANGE IN FUND NET'ASSETS................ .... .. . (36,040) (36,040) (322,565) (286,525) FUND NET ASSETS AT'BEGINNING OF YEAR... ....... 808,922 808,922 808,922 FUND NET ASSETS AT'END OF YEAR................... . ......... $ 772,882 $ 772,882 $ 486,357 $ (286,525) Town of North Andover,Massachusetts 62 Additicuial Information Sewez Fund Osgood Hill Fund ............ .................... Variance Variance Original Final Positive/ Original Final Positive/ Budget........... Budget Actual (Negative) Budget et .............B.....u.....d....g e....t.............. Actual (Negative) $ 2,764,624 $ 2,764,624 $ 2,825,(A9 $ 61,025 535,000 535,000 471,173 $ (63,827) - 12-1,145 121,145 - - 10,000 10,000 17,626 7,626 2,774,624 2,774,624 2,964,420 189,796 535,000 535,000 471,173 (63,827) 743,209 743,209 648,872 94,337 461,163 461,163 439,488 21,675 1,298,000 1,298,000 1,210,663 87,337 �IT 1,321,714 ......... 1,270,064 1,270,064 (51,650) - . 3,311,273 3,311,273 3,181,249 130,024 461,163 461,163 439,488 21,675 (536,649) (536,649) (216,829) 319,820 73,837 73,837 31,685 (42,152) (629,741) (629,741) (542,202) 87,539 - - ........... ........... (629,741) (629,741) (542,202) 87,539 (1,166,390) (1,166,390) (759,031) 407,359 73,837 73,837 31,685 (42,152) (253,919) (253,989) .............. (253,989) (83"11 (83,119) (83,119) (1,420,379) (1,420,379) (1,013,020) 407,359 (9,282) (9,282) (51,434) (42,152) 2,431,258 2,431,258 2,431,258 70,655 70,655 70,655 $ 1,010,879 $ 1,010,879 $ 1,418,238 $ 407,359 $ 61,373 $ 61,373 $ 19,221 $ (42,152) ............. ............................................. Town of North Andover,Massachusetts 63 Additional Information