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STORMWATER FY 2004 REVENUE - SUFFICIENCY ANALYSIS - FINAL REPORTO.�'� �.�.�'� July 1, Zoo4 ■ � �� � Prepared by: -. ;° - , . . - -- �, , . � h� 3_ �� ��-• '' hl �� � J. 1}L ` � I t•. ... � � .`� �Y'...'. 4 � :�.�. � 1!`�i �• {� - � '� y�. . `3 ,'M � fA �,,, i��.. � I� �1. �'1� �.� '� � I4�.[.: } �-7 { -- R - . �I�� � �� 1� � i� �'- �G�, .1 y JUIy 1, 2004 Mr. Keith Bush Controller City of Clearwater 100 S. Myrtle Avenue, #220 Clearwater, Florida 33756 Re: 2004 Stormwater Revenue Sufficiency Analysis — Final Report Dear Mr. Bush: Burton & Associates is pleased to present this Final Report of the FY 2004 Revenue Sufficiency Analysis that we have performed for the City's stormwater enterprise fund. We appreciate the fine assistance provided by you, your staff and all of the members of City staff who participated in the Study. It is a pleasure to continue to be of assistance to the City. If you have any questions, please do not hesitate to call me at (904) 247-0787. Very truly yours, .1L__1_�_�� _1__c 1. Michael E. Burton President MEB/cs Enclosure Burton & Associates 2902 Isabella Blvd, Suite 20 • Jacksonville Beach, Florida 32250 • Phone (904) 247-0787 • Fax (904) 241-7708 E-mail: mburton@burtonandassociates.com ��� �� ������ ��� ��� � / / / � / � L / � � � � � ������ �� ������ ���� ��� � � ■ � �� �� _ �'�� ��' �� o� � � July 1, 2004 Pr�epaned by: Specialists in Water Resources Economics LITILITY RATE STLIDY TABLE OF CONTENTS Table of Contents Section Page I. Introduction 1 A. Objective and Scope 1 B. Study Procedures 1 II. Analysis and Results A. Description of the Analysis B. Assumptions of the Revenue Sufficiency Analysis 1. Additional Revenue Sources 2. Revenues and Expenses � '�' 5. 6. 7. 8. 9. 10. 11. 12. Operations & Maintenance Cost Additions Below the Line Capital Cost Additions Payment in Lieu of Taxes Calculation Cost Escalation Borrowing Assumptions Interest Earnings on Invested Funds Interest Earnings on Capital Projects Construction Fund Capitalized Interest on New Debt Issuances Interim Financing Growth C! 4 5 5 6 6 6 6 6 7 7 7 7 7 8 City of Clearwater 1 Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY TABLE OF CONTENTS 13. Minimum Working Capital Balances in Unrestricted Reserves 14. Capital Projects Funding 15. Debt Service Coverage C. Results 1. Capital Improvements Program 2. Supporting Analysis III. Conclusions and Recommendations A. Revenue Suffciency Analysis Conclusions B. Revenue Suffciency Analysis Recommendations Appendix Supporting Financial Analysis Schedules for the Revenue Sufficiency Analysis 8 8 8 9 9 10 14 14 14 16 City of Clearwater 11 Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY SECTION I — INTRODUCTION Section I — Introduction This report presents the results of the FY 2004 Revenue Sufficiency Analysis (RSA) which was conducted for the City's Stormwater Utility System (Utility). This RSA was based upon a planning period of FY 2004 through FY 2009. This section presents the obj ective and scope of the Study and the procedures employed in the conduct of the Study, while Section II presents the results of the Study and the supporting schedules and Section III presents the conclusions and recommendations of the Study. A. Obiective and Scope The objective of this Study was to: Evaluate the sufficiency of the City's stormwater rates over a six-year planning period. This evaluation included development of a financial management program that identifies annual rate increases that would provide sufficient revenues to fund all of the Utility's requirements from FY 2005 through FY 2009. B. Studv Procedures During this RSA we developed a six-year financial management programs through interactive work sessions with City staf£ During these work sessions we examined the impact of various alternatives upon key financial indicators by use of graphical representations projected on a large screen from our computer rate models which were up and running and upon which we conducted alternatives analyses interactively with City staf£ In this way we identified the financial management plan presented in this report that allows the Utility to fund its system requirements. In order to initialize our analysis, we obtained the Utility's historical and City of Clearwater 1 Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY SECTION I - INTRODUCTION budgeted financial information regarding the operation of the stormwater enterprise fund. We also obtained the Utility's five-year capital improvement program, including annual renewal and replacement requirements. We documented the Utility's current debt obligations for the stormwater enterprise fund and the covenants, or promises made to bond holders or other lenders, relative to net income coverage requirements, reserves, etc. We also counseled with City staff regarding other assumptions and policies that would affect the stormwater enterprise fund such as alternative levels of payments in lieu of taxes, additional capital and operations and maintenance expenses outside of the City's budget, required levels of working capital reserves, earnings on invested funds, escalation rates for operating costs, etc. All of this information was entered into our proprietary Financial Analysis and Management System (FAMS-XL 0) interactive model. The FAMS-XL 0 model produces a ten-year projection of the sufficiency of the Utility's revenues to meet all of its current and projected financial requirements and determines the level of rate revenue increases necessary in each year to provide sufficient revenues to fund all of the Utility's requirements. In this instance, the first two years of the planning period have annual rate increases that have already been approved by the City. Therefore, for those years, FAMS-XL 0 was utilized in a revenue limited capacity, where the approved annual rate increase of 8.00% per year for FY 2005 and FY 2006 was input in order to determine the amount of revenue projected per year available to the Utility. Then, beginning in FY 2007, FAMS-XL 0 determined the appropriate level of rate increase necessary in each remaining year of the planning period to fund all of the Utility's requirements. FAMS-XL 0 also utilizes all available and unrestricted funds in each year of the planning period to pay for capital proj ects, in accordance with the rules of cash application defined with City staff within the model. This produces a detailed summary City of Clearwater 2 Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY SECTION I - INTRODUCTION of the funding sources to be used for each project in the capital improvements program. To the extent that current revenues and unrestricted reserves are not adequate to fund all capital projects in any year of the planning period, the FAMS-XL 0 model identifies a borrowing requirement to fund those projects, or portions thereof that are determined to be eligible for borrowing. In this way the FAMS-XL, 0 model is used to develop a borrowing program that includes the required borrowing amount by year and the resultant annual debt service obligations of the Utility for each year in the planning period. City of Clearwater 3 Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY SECTION II — ANALYSIS AND RESULTS Section II —Analysis and Results This section presents the results of the Revenue Sufficiency Analysis (RSA) and the financial management plan evaluated during the conduct of this RSA. As described previously, this analysis was performed to determine the annual rate increases necessary to generate sufficient revenues to fund all of the requirements of the stormwater enterprise fund from FY 2005 through FY 2009, recognizing that for the first two years, the rate increases have already been approved at 8.00% per year. The first sub-section presents a description of the RSA, while the second sub- section outlines the assumptions, funding strategies, and adjustments of the RSA. The third sub-section provides the results of the RSA, while the Appendix includes detailed financial analysis schedules supporting the financial management plan evaluated herein. A. Description of the Analvsis The RSA was performed using the Utility's historical and projected information regarding the operation of its stormwater system. The Utility's Un-audited Comparative Balance Sheet as well as Restricted Asset Statement for September 30, 2003, were used as sources for historical financial information in order to establish the beginning balances of various funding sources. It is important to note that funds reserved or encumbered for specific capital projects were included in our analysis in the beginning fund balances available for capital proj ects in FY 2004 and the associated capital proj ect costs were included in the capital improvement plan in FY 2004. Revenue and expense proj ections from FY 2005 through the end of the planning period were based upon the City's FY 2004 budget with specific additions and adjustments described in the next sub-section. City of Clearwater 4 Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY SECTION II — ANALYSIS AND RESULTS During the conduct of this RSA, we communicated with City staff regarding various assumptions used in the development of the analysis presented in this report. The major assumptions included in RSA are listed in the next sub-section. The assumptions for the RSA and the interactive modeling process described in the preceding section resulted in "just-in-time" rate revenue increases in each year beginning in FY 2007 through FY 2009 and, as might be expected, the increases required from year to year varied, based upon the specific requirements in each year. These "just-in-time" rate revenue increases were then used to develop an alternative rate revenue adjustment plan that will provide for a more regular plan of rate revenue adjustments while providing sufficient revenues in each year of the planning period, recognizing that the City has already approved annual rate increases of 8.00% per year in FY 2005 and FY 2006. Based upon the financial information and assumptions provided by City staff, the level of annual rate increase necessary to fund the Utility's requirements is 3.00% per year from FY 2007 through FY 2009 in addition to the approved rate increases in FY 2005 and FY 2006. B. Assumptions of the Revenue Sufficiencv Analvsis The assumptions, funding strategies, and adjustments included in our revenue sufficiency analysis are as listed below: 1. Additional Revenue Sources — We have evaluated all of the City's current stormwater rates, fees and charges and conclude that there are no additional City of Clearwater 5 Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY SECTION II — ANALYSIS AND RESULTS revenue sources that could be implemented that would affect the financial management plan recommended in this report. 2. Revenues and Expenses — The FY 2004 revenue and expenses are based on the City's budget, and serve as the base year for future projections. 3. Operations & Maintenance Cost Additions — In addition to the budgeted amounts of operations and maintenance (O&M) expenses, new costs have been included in the analysis. These are annual costs that are projected to begin in FY 2005 and are escalated each year based upon the appropriate escalation factor. The additional costs are for new full-time exempt positions in the amount of $235,060, contractual services relating to post construction maintenance and annual system attribute analysis in the amount of $147,000 and the net estimated impact from expense transfers between City enterprise funds in the amount of $25,000. 4. Liability to the Pinellas County School Board — An additional one-time liability of $450,000 has been added in FY 2004 as part of this analysis. 5. Pavment in Lieu of Taxes Calculation — The annual calculation of the Payment in Lieu of Taxes transfer is based upon 4.50% of the current year's total operating revenue in FY 2005 and 5.50% of the current year's total operating revenues each year beginning in FY 2006 throughout the projection period. 6. Cost Escalation — Annual cost escalators for the various types of operations and maintenance expenses were provided by City staff and applied in each City of Clearwater 6 Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY SECTION II — ANALYSIS AND RESULTS year of the planning period beginning in FY 2005. Furthermore, the specific additions to the operations and maintenance costs not included in the budget were escalated each year based upon the appropriate cost escalator. 7. Borrowin� Assumptions — The RSA assumes that new debt issued during the planning period would carry the following terms: Lon� Term Debt: ✓ Term: 30 Year ✓ Interest Rate: 5.50% in each year of the planning period. 8. Interest Earnin�s on Invested Funds - It is assumed interest earnings on invested funds would be 3.00% in FY 2004, 3.50% in FY 2005, and 4.00% per year in FY 2006 and each year thereafter. 9. Interest Earnin�s on Capital Projects Construction Fund — It is assumed that interest is earned on funds dedicated for CIP projects based upon spending of 1/3 of the project cost in years one through three of construction. Furthermore, it is assumed that the interest rate is the same as that for invested funds as outlined above. 10. Capitalized Interest on New Debt Issuances — It is assumed that one year of interest from new long-term debt issuances is capitalized. 11. Interim Financin� — It is assumed that interim financing is utilized in FY 2005 and every other year thereafter and that long-term debt issuances would occur in FY 2004 and every other year thereafter as appropriate. This short-term City of Clearwater ' Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY SECTION II — ANALYSIS AND RESULTS borrowing is refinanced in the subsequent year as part of the proceeds of the long-term borrowing. 12. Growth — No growth is assumed for this analysis. 13. Minimum Workin� Capital Balances in Unrestricted Reserves — The plan assumes that the Utility will maintain a minimum Working Capital Reserve (WCR) fund balance in an amount equal to three months of O&M expenses. 14. Capital Projects Fundin� — The capital improvement plan (CIP) budget expense levels are included in the analysis by project. It is important to note that upon input into the model, two additional proj ects and associated expense estimates have been included in the analysis. The first project is the construction of a new scale/weigh station in FY 2005 estimated to cost approximately $240,000, and the second is the estimated share of expense for a new public works building projected to be constructed in FY 2007 in the amount of $75,000 in FY 2006, and $675,000 in FY 2007. Furthermore, it is important to note that the costs of a specific proj ect were re-allocated within the CIP budget based upon a revised project completion schedule, and the costs of another project were reduced to reflect project savings. The re- allocation entailed the removal of the total project cost of $6,490,584 from FY 2004 and the addition of $1,000,000 in FY 2005 and $5,490,584 in FY 2006. The reduction was for the amount of $860,000 in FY 2004. 15. Debt Service Covera�e - There are two debt service coverage tests in the Utility's outstanding bond covenants as follows: City of Clearwater g Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY SECTION II — ANALYSIS AND RESULTS 1) Rate Covenant — Net income must be at least 1.15 times annual debtservice 2) Paritv Test — Net income must be at least 1.20 times maximum annual debt service (only in years when revenue bonds are issued) C. Results 1. Capital Improvements Program As described earlier, our approach to this RSA was to first determine the annual rate increase projection calculated by our FAMS-XL 0 model based upon the revenue and expense data initialized into the FAMS-XL 0 model and the already approved annual rate increases of 8.00% per year in FY 2005 and FY 2006. Once the FAMS-XL OO model identified the "just-in-time" rate increases each year from FY 2007 through FY 2009, we determined a levelized annual rate plan (3.00% per year) for that time period that would be sufficient to cover the Utility's costs in each year of the planning period. Based upon the revenue and expense information, beginning fund balances (including encumbered/restricted funds for projects that subsequently have been included in the CIP for the purposes of this analysis) and the assumptions described above, it was determined that the entire CIP budget, including the additions and re-allocation described above in Section II.B.14 as well as all prior encumbrances/carry-over balances could be funded each year, with the annual rate adjustment plan of 3.00% per year from FY 2007 through FY 2009. These rate increases would be in addition to the already approved rate increases of 8.00% per year in FY 2005 and FY 2006. The total annual CIP expenditures City of Clearwater 9 Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY SECTION II — ANALYSIS AND RESULTS (including project carry-over balances) utilized in the FAMS model for which funding is available over the planning period are as follows: FY 2004: $31,884,317 FY 2005: $7,070,000 FY 2006: $8,635,584 FY 2007: $6,275,000 FY 2008: $5,606,000 FY 2009: $6,850,000 2. SupportingAnalysis The supporting analysis for the development of the rate plan presented in the prior sub-section is presented below. a. Basis for the Analysis The rate revenue plan presented in this report was developed by preparing a six- year proj ection of the financial results of the Utility, starting with the current rates in FY 2004, and the approved annual rate increases of 8.00% per year in FY 2005 and FY 2006. This baseline projection was used to determine the level of rate revenue produced in FY 2005 and FY 2006, and the minimum level of rate revenue required in FY 2007. FAMS- XL, 0 calculated the projected rate revenue in FY 2007 based upon the rates that would be in place in FY 2006 and compared that to the minimum level of rate revenue required in FY 2007. To the extent that an increase in rate revenue was needed in FY 2007, the model determined the amount of additional rate revenue required in FY 2007 and determined the percentage increase in rate revenue that that represented. City of Clearwater 10 Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY SECTION II — ANALYSIS AND RESULTS This process was repeated for each subsequent year in the planning period to determine the amount of additional rate revenue required in each year, compared to the rate revenue projected with the rates from the prior year. Once the model determined the required rate increase adjustment in each year from FY 2007 to FY 2009, a conversion to a levelized rate adjustment plan was examined. In this approach, the same level of rate increase was identified and applied in each year from FY 2007 through FY 2009 that would produce sufficient revenue to meet the Utility's costs and debt coverage requirements. It was determined that an appropriate annual levelized rate increase from FY 2007 through FY 2009 was 3.00% per year. b. Financial Results of Operations and Sources and Uses of Funds The Appendix presents Figures 1 through 10 for the rate adjustment plan developed in this RSA which assumes that the approved rate increase of 8.00% per year in FY 2005 and FY 2006 is implemented as well as an annual rate increase of 3.00% per year in FY 2007 through FY. Although the planning period in this RSA is from FY 2004 though FY 2009, the Figures presented in the Appendix extend through FY 2014 so that any significant revenue insufficiencies outside of the planning period may be identified and potentially addressed in the current RSA. Figures 1 through 3 present detailed schedules of the inputs and assumptions that are applicable to the rate plan developed in this analysis. Figure 1 contains many of the assumptions described in Section II.B. Figure 2 contains the end of FY 2003 fund balances that serve as the beginning balances of our analysis. Figure 3 provides a listing of the CIP proj ects and associated cost included in the analysis. City of Clearwater 11 Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY SECTION II — ANALYSIS AND RESULTS Figures 4 through 6 are summary level financial schedules. Figure 4 contains the Control Panel that presents a summary of the results of the rate plan, including the annual rate increase, debt service coverage ratios, capital improvement spending levels, customer impacts, and fund balances. Figure 5 is the Pro Forma schedule that presents a projected income statement, debt service coverage analysis, and cash flow analysis. Figure 6 presents a summary of all sources and uses of funds including beginning balances and balance carry forwards in each year of the planning period. Figures 7 through 10 present detailed financial results of the analysis. Figure 7 shows the funding sources utilized to pay for the total capital improvement plan spending levels identified on Figure 3. Figures 8 and 9 contain the calculation of annual long-term borrowing and interim financing amounts respectively. Figure 10 presents a fund level cash flow reconciliation, providing the beginning balance in each year, the amount utilized for proj ect funding, interest calculations, and the end of year fund balance. 1) Svstem Revenues The basis for the revenues used in this analysis was the FY 2004 budget. Revenues can be considered as 1) rate revenues subject to rate increases, and 2) all other categories of revenue. Rate revenue for the fiscal years after FY 2004 was projected based upon additional rate revenue from the rate increase assumed in each year of the rate revenue plan. All other non-rate revenues were projected in subsequent years, by category of revenue, to be the same as the FY 2004 budgeted revenue for those revenue categories, except that budgeted interest revenue was not used as an input to the rate model. The model calculates interest earnings each year based upon average fund balances and interest income is shown by fund on Figure 10. City of Clearwater 12 Burton � Associates Final Report Utility Economics 2) LITILITY RATE STLIDY SECTION II — ANALYSIS AND RESULTS Revenue Requirements The annual revenue requirements used in the proj ection of required rate revenues were based upon budgeted O&M expenses, miscellaneous other expenses such as transfers out or payment in lieu of taxes, capital costs of the Utility for FY 2004, and the cost additions described in Section II.B. In subsequent years of the planning period, individual O&M costs were adjusted based upon the appropriate cost escalation factor provided by City staff described in Section II.B. Annual capital costs were adjusted as described to include additional projects not currently reflected in the CIP budget. Figure 3 presents the fundable CIP for each year of the planning period. City of Clearwater 13 Burton � Associates Final Report Utility Economics RSA. � LITILITY RATE STLIDY SECTION III — CONCLUSIONS AND RECOMMENDATIONS Section III — Conclusions and Recommendations This Section presents the fundamental conclusions and recommendations of the Revenue Sufficiencv Analvsis Conclusions We have reached the following conclusions regarding the sufficiency of the City's stormwater rates over the planning period from FY 2004 through FY 2009: • Based upon the implementation of the approved annual rate increase of 8.00% per year in FY 2005 and FY 2006, the assumptions described above in Section II.B, the CIP described in II.C.1, and the revenue and expense projections described in Sections II.C.2.b.1 and II.C.2.b.2 respectively, an annual rate increase of 3.00% per year from FY 2007 through FY 2009 would be sufficient to cover the requirements of the Utility during the planning period. • Based upon the expense projections included in this analysis and adoption of the rate plan identified above, future rate increases between 5.00% and 8.00% per year may be required in FY 2010 through FY 2014 for the Utility to meet its requirements during that time period. B. Revenue Sufficiencv Analvsis Recommendation Based upon the analysis presented herein and the conclusions presented in the previous subsection, we recommend the following: City of Clearwater 14 Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY SECTION III — CONCLUSIONS AND RECOMMENDATIONS • The City should implement the approved 8.00% per year rate increase in FY 2005 and FY 2006 and adopt annual rate increases of 3.00% per year for FY 2007 through FY 2009. • The City should perform annual revenue sufficiency updates to incorporate revised expense projections from FY 2010 through FY 2014 as they evolve so that any necessary adjustments can be made to the recommended rate plan in order to allow the Utility to meet its requirements during this time period. City of Clearwater 15 Burton � Associates Final Report Utility Economics LITILITY RATE STLIDY APPENDIX Appendix Supportin� Financial Analysis Schedules for the Revenue Sufficiency Analysis City of Clearwater Final Report �6 Burton � Associates Utility Economics � A � � C/1 w � � � � � M� M� M� � M� � A W � � � L � � LL L d ++ � � � d U w 0 a = U � � 0 w � � � Q � N M V L(� CO I� CO � � � � � 0 a�', '� � t.i , u� v' �I 'm 'ui o ' cn ' � ' � a�i N �. s �. � . � N �. � �. Q L.}L p� � �� � N��.o N ���. O ln �. w� i �.Z O ..(p �,..0 � (V � .� O I �. �. I t6 � p ��. I� N �. I��. NO �� Q ..... } ��. N ..... O.. ' � IN LL.�. p.�. ..� .Ic �. U � o.�.' '.��� '�'.N� M O N � � N 7 .�..�..N. � I� C.�..�..�. � � N � � C �.�.��. � .��. �. O�.. �. �. �. � � � � � Q � . Vi . �F � �I-+ �. �.% U � � �. � �..� O � ..� � .. �. N �� '�l,j � ��. � j� O �. 7 �i ��+�+ f!1 ��. ��. � �. ¢ p fp��.fp � fp.���.fp N U.'.� �. .'.��. � �. C� � �.� -N -6 w .� � . j� � . . ��. 0� U U�.0 � N. I N � fA '� U p'. 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