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2019 Annual Financial ReportANNUAL FINANCIAL REPORT of the City of Sanger, Texas For the Year Ended September 30, 2019 (This page intentionally left blank.) City of Sanger, Texas TABLE OF CONTENTS September 30, 2019 FINANCIAL SECTION Independent Auditor’s Report 1 Management’s Discussion and Analysis 7 Basic Financial Statements Government-Wide Financial Statements Statement of Net Position 18 Statement of Activities 22 Fund Financial Statements Governmental Funds: Balance Sheet 24 Reconciliation of the Balance Sheet to the Statement of Net Position- Governmental Funds 27 Statement of Revenues, Expenditures, and Changes in Fund Balance- Governmental Funds 28 Reconciliation of the Statement of Revenues, Expenditures, and Changes in Fund Balances of Governmental Funds to the Statement of Activities 31 Proprietary Funds: Statement of Net Position 32 Statement of Revenues, Expenses, and Changes in Fund Net Position 34 Statement of Cash Flows 35 Notes to Financial Statements 37 REQUIRED SUPPLEMENTARY INFORMATION Schedule of Revenues, Expenditures, and Changes in Fund Balances- Budget and Actual -General Fund 76 Schedule of Changes in Net Pension Liability and Related Ratios 78 Schedule of Employer Contributions to Pension Plan 80 Schedule of Changes in OPEB Liability and Related Ratios 82 COMBINING AND INDIVIDUAL FUND FINANCIAL SCHEDULES Combining Schedule of Revenues, Expenses, and Changes in Fund Net Position -Proprietary Funds –by Department 84 (This page intentionally left blank.) 1 14950 Heathrow Forest Pkwy | Suite 530 | Houston, TX 77032 |Tel: 281.907.8788 |Fax: 888.875.0587 | www.BrooksWatsonCo.com INDEPENDENT AUDITOR’S REPORT To the Honorable Mayor and Members of the City Council City of Sanger, Texas: Report on the Financial Statements We have audited the accompanying financial statements of the governmental activities, the business-type activities,the discretely presented component units,each major fund, and the aggregate remaining fund information of the City of Sanger, Texas (the “City”) as of and for the year ended September 30, 2019 , and the related notes to the financial statement s, which collectively comprise the City’s basic financial statements as listed in the table of contents. Management’s Responsibility for the Financial Statements The City’s management is responsible for the preparation and fair presentation of these financial statements in accordance with accounting principles generally accepted in the United States of America; this includes the design, implementation, and maintenance of int ernal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error. Auditor’s Responsibility Our responsibility is to express opinions on these financial state ments based on our audit. We conducted our audit in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgment, including the asses sment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal control. Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluating the overall presentation of the financial statements. 2 We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinions. Opinions In our opinion, the financial statements referred to above present fairly, in all material respects, the respective financial position of the governmental activit ies, the business -type activities,the discretely presented component units,each major fund, and the aggregate remaining fund information of the City as of September 30, 2019, and the respective changes in financial position and, where applicable, cash flows thereof for the year then ended in accordance with accounting principles generally accepted in the United States of America. Other Matters Required Supplementary Information Accounting principles generally accepted in the United States of America require that the management’s discussion and analysis, schedule of changes in net pension liability and related ratios, schedule of employer contributions to pension plan, schedule of changes in other postemployment benefits liability and related ratios, and general fund budgetary comparison information be presented to supplement the basic financial statements. Such information, although not a part of the basic financial statements, is required by the Governmental Accounting Standards Board, who considers it to be an essential part of financial reporting for placing the basic financial statements in an appropriate operational, economic, or historical context. We have applied certain limited procedures to the required supplementary information in accordance with auditing standards generally accepted in the United States of America, which consisted of inquiries of management about the methods of preparing the information and comparing the information for consistency with management’s responses to our inquiries, the basic financial statements, and other knowledge we obtained during our audit of the basic financial statements. In our opinion, the information is fairly stated in all material r espects in relation to the financial statements as a whole. Other Information Our audit was conducted for the purpose of forming opinions on the financial statements that collectively comprise City of Sanger, Texas’s basic financial statements. The combining schedule by department for the proprietary fund is presented for purposes of additional analysis and is not a required part of the basic financial statements. The combining schedule by department for the proprietary fund is the responsibility of management and was derived from and relate directly to the underlying accounting and other records used to prepare the basic financial statements. Such information has been subjected to the auditing procedures applied in the audit of the basic financial statements and certain additional 3 procedures, including comparing and reconciling such information directly to th e underlying accounting and other records used to prepare the basic financial statements or to the basic financial statements themselves, and other additional procedures in accordance with auditing standards generally accepted in the United States of Ameri ca. In our opinion, the combining financial statements are fairly stated, in all material respects, in relation to the basic financial statements as a whole. BrooksWatson & Co. Certified Public Accountants , PLLC Houston, Texas January 2, 2020 (This page intentionally left blank.) 4 MANAGEMENT'S DISCUSSION AND ANALYSIS 5 (This page intentionally left blank.) 6 City of Sanger, Texas MANAGEMENT’S DISCUSSION AND ANALYSIS (MD&A) September 30, 2019 7 As management of the City of Sanger, Texas (the “City”), we offer readers of the City’s financial statements this narrative overview and analysis of the financial activities of the City for the fiscal year ended September 30, 2019. Financial Highlights The City's total combined net position is $44,388,787 at September 30,2019.Of this, $15,418,850 (unrestricted net position) may be used to meet the City’s ongoing obligations to its citizens and creditors. At the close of the current fiscal year, the City’s governmental funds reported combined fund balances of $8,542,678, an increase of $2,291,221. As of the end of the year, the unassigned fund balance of the general fund was $5,616,983 or 91%of total general fund expenditures. The City had an overall increase in net position of $4,162,945, which is due to revenues exceeding expenses for both governmental and business-type activities. Overview of the Financial Statements The discussion and analysis provided here are intended to serve as an introduction to the City’s basic financial statements. The City’s basic financial statements consist of three components: 1) government- wide financial statements, 2) fund financial statements, and 3) the notes to financial statements. This report also includes supplementary information intended to furnish additional detail to support the basic financial statements themselves. Government-Wide Statements The government-wide financial statements are designed to provide readers with a broad overview of the City’s finances, in a manner similar to a private-sector business. The statement of net position presents information on all of the City’s assets, liabilities, and deferred inflows/outflows with the difference reported as net position. Over time, increases or decreases in net position may serve as a useful indicator of whether the financial position of the City is improving or deteriorating. Other non-financial factors, such as the City’s property tax base and the condition of the City’s infrastructure, need to be considered in order to assess the overall health of the City. The statement of activities presents information showing how the City’s net position changed during the most recent fiscal year. All changes in net position are reported as soon as the underlying event giving rise to the change occurs, regardless of the timing of related cash flows. Thus, revenues and expenses City of Sanger, Texas MANAGEMENT’S DISCUSSION AND ANALYSIS, Continued September 30, 2019 8 are reported for some items that will only result in cash flows in future fiscal periods (e.g., uncollected taxes and earned but unused vacation leave). Both of the government-wide financial statements distinguish functions of the City that are principally supported by taxes and intergovernmental revenues (governmental activities) from other functions that are intended to recover all or a significant portion of their costs through user fees and charges (business- type activities). The governmental activities of the City include general government, public safety, public works, and culture and recreation. The business-type activities of the City include water, sewer and electric operations. The government-wide financial statements include not only the City itself (known as the primary government), but also the legally separate Sanger Industrial Development Corporation (“4A”) and the Sanger Texas Development Corporation (“4B”), for which the City is financially accountable. Financial information for these component units is reported separately from the financial information presented for the primary government itself. FUND FINANCIAL STATEMENTS Funds may be considered as operating companies of the parent corporation,which is the City of Sanger. They are usually segregated for specific activities or objectives. The City of Sanger uses fund accounting to ensure and demonstrate compliance with finance-related legal reporting requirements. The two categories of City funds are governmental and proprietary. Governmental Funds Governmental funds are used to account for essentially the same functions reported as governmental activities in the government-wide financial statements. However, unlike the government-wide financial statements, governmental fund financial statements focus on near-term inflows and outflows of spendable resources,as well as on balances of spendable resources available at the end of the year. Such information may be useful in evaluating the City’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 impact of the government’s near-term financing decisions. Both the governmental fund balance sheet and the governmental fund statement of revenues, expenditures, and changes in fund balances provide a reconciliation to facilitate this comparison between governmental funds and governmental activities. The City of Sanger maintains three individual governmental funds. Information is presented separately in the governmental fund balance sheet and in the governmental fund statement of City of Sanger, Texas MANAGEMENT’S DISCUSSION AND ANALYSIS, Continued September 30, 2019 9 revenues, expenditures, and changes in fund balances for the general,debt service, and capital projects funds. The general and capital projects funds are considered to be major funds. The City of Sanger adopts an annual appropriated budget for all funds. A budgetary comparison schedule has been provided to demonstrate compliance with the general fund budget. Proprietary Funds The City maintains two different types of proprietary funds. Proprietary funds are used to report the same functions presented as business-type activities in the government-wide financial statements. The City uses a proprietary fund to account for its public utilities. All activities associated with providing such services are accounted for in these funds, including administration, operation, maintenance, debt service, capital improvements, meter maintenance, billing and collection. The City's intent is that costs of providing the services to the general public on a continuing basis is financed through user charges in a manner similar to a private enterprise. Internal service funds are an accounting device used to accumulate and allocate costs internally among the City’s various functions. The City uses an internal service fund to account for administrative support services to other funds of the City. Component Units The City maintains the accounting and financial statements for two component units. The 4A and the 4B are both discretely presented component units displayed on the government-wide financial statements. Notes to Financial Statements The notes to the financial statements provide additional information that is essential to a full understanding of the data provided in the government-wide and fund financial statements. The notes are the last section of the basic financial statements. Other Information In addition to the basic financial statements, MD&A, and accompanying notes, this report also presents certain Required Supplementary Information (RSI). The RSI that GASB Statement No. 34 requires is a budgetary comparison schedule for the general fund and schedules for the City’s Defined Pension Plan. RSI can be found after the basic financial statements. GOVERNMENT-WIDE FINANCIAL ANALYSIS As noted previously, net position may serve over time as a useful indicator of the City’s financial position. For the City of Sanger, assets exceeded liabilities by $44,388,787 as of September 30, 2019,in the primary government. City of Sanger, Texas MANAGEMENT’S DISCUSSION AND ANALYSIS, Continued September 30, 2019 10 The largest portion of the City’s net position, $26,075,110,reflects its investments in capital assets (e.g., land, city hall, police station, streets, and drainage systems, as well as the public works facilities),less any de bt used to acquire those assets that are still outstanding. The City uses these capital assets to provide services to citizens; consequently,these assets are not available for future spending. Although the City’s investment in its capital assets is reported net of related debt, it should be noted that the resources needed to repay this debt must be provided from other sources, since the assets themselves cannot be used to liquidate these liabilities. An additional portion of the City’s net position, $2,894,827, represents resources that are subject to external restrictions on how they may be used. The remaining balance of $15,418,850 is unrestricted and may be used to meet the government’s ongoing obligations to its citizens and creditors. Current assets of governmental activities as of September 30, 2019 and September 30, 2018 were $9,264,673 and $7,224,081, respectively. The increase of $2,040,592 was primarily due to an increase in cash on hand as a result of revenues exceeding expenses in the current year. Current assets of business-type activities as of September 30, 2019 and September 30, 2018 were $14,744,586 and $16,436,888, respectively. The decrease of $1,692,302 was primarily attributable to funds being spent on capital asset improvements throughout the year and principal payments made on outstanding debt. Capital assets of business-type activities as of September 30, 2019 and September 30, 2018 were $29,272,520 and $27,575,268, respectively. The increase of $1,697,252 was a primarily a result of the continued sewer plant expansion. Other liabilities of business-type as of September 30, 2019 and September 30, 2018 were $3,182,639 and $3,801,444, respectively. The decrease of $618,805 was primarily a result of timing of payments to third party vendors subsequent to the prior year end. City of Sanger, Texas MANAGEMENT’S DISCUSSION AND ANALYSIS, Continued September 30, 2019 11 Statement of Net Position: The following table reflects the condensed Statement of Net Position: Current and other assets $9,264,673 $14,744,586 $24,009,259 $7,224,081 $16,436,888 $23,660,969 Capital assets, net 18,949,169 29,272,520 48,221,689 19,178,754 27,575,268 46,754,022 Total Assets 28,213,842 44,017,106 72,230,948 26,402,835 44,012,156 70,414,991 of Resources 596,634 197,169 793,803 228,061 96,605 324,666 Other liabilities 1,348,191 3,182,639 4,530,830 1,664,933 3,801,444 5,466,377 Long-term liabilities 4,082,353 20,014,674 24,097,027 4,022,808 20,726,451 24,749,259 Total Liabilities 5,430,544 23,197,313 28,627,857 5,687,741 24,527,895 30,215,636 of Resources 6,237 1,870 8,107 229,125 69,054 298,179 Net Position: Net investment in capital assets 15,502,386 10,572,724 26,075,110 14,712,198 10,012,196 24,724,394 Restricted 2,894,827 - 2,894,827 1,518,760 - 1,518,760 Unrestricted 4,976,482 10,442,368 15,418,850 4,483,072 9,499,616 13,982,688 Total Net Position $23,373,695 $21,015,092 $44,388,787 $20,714,030 $19,511,812 $40,225,842 ActivitiesTotal Governmental Business-Type ActivitiesActivities Total Deferred Outflows Deferred Inflows 2019 2018 Governmental Business-Type Activities City of Sanger, Texas MANAGEMENT’S DISCUSSION AND ANALYSIS, Continued September 30, 2019 12 Statement of Activities: The following table provides a summary of the City’s changes in net position: Revenues Program revenues: Charges for services $2,035,376 $12,594,574 $14,629,950 $1,946,040 $12,722,292 $14,668,332 Grants and contributions 770,917 - 770,917 3,846,351 475,000 4,321,351 General revenues: Property taxes 4,480,452 - 4,480,452 3,953,836 - 3,953,836 Sales taxes 914,748 - 914,748 872,250 - 872,250 Franchise and local taxes 283,573 - 283,573 261,611 - 261,611 Investment income 11,916 169,808 181,724 5,012 25,558 30,570 Other revenues 399,167 - 399,167 396,025 - 396,025 Total Revenues 8,896,149 12,764,382 21,660,531 11,281,125 13,222,850 24,503,975 Expenses General government 2,186,197 - 2,186,197 1,808,163 - 1,808,163 Public safety 2,759,901 - 2,759,901 2,517,223 - 2,517,223 Public works 1,070,180 - 1,070,180 1,061,776 - 1,061,776 Culture and recreation 719,658 - 719,658 737,343 - 737,343 Interest and fiscal charges 181,723 681,277 863,000 173,032 718,056 891,088 Water, sewer, & electric - 9,898,650 9,898,650 - 9,981,037 9,981,037 Total Expenses 6,917,659 10,579,927 17,497,586 6,297,537 10,699,093 16,996,630 Change in Net Position Before Transfers 1,978,490 2,184,455 4,162,945 4,983,588 2,523,757 7,507,345 Transfers 681,175 (681,175) - 781,259 (781,259)- Total 681,175 (681,175) - 781,259 (781,259)- Change in Net Position 2,659,665 1,503,280 4,162,945 5,764,847 1,742,498 7,507,345 Beginning Net Position 20,714,030 19,511,812 40,225,842 14,949,183 17,769,314 32,718,497 Ending Net Position $23,373,695 $21,015,092 $44,388,787 $20,714,030 $19,511,812 $40,225,842 Activities Activities Business-Type Primary Total Primary Governmental ActivitiesGovernment Governmental For the Year Ended September 30, 2019 Business-Type Government For the Year Ended September 30, 2018 Total Activities City of Sanger, Texas MANAGEMENT’S DISCUSSION AND ANALYSIS, Continued September 30, 2019 13 Graphic presentations of selected data from the summary tables are displayed below to assist in the analysis of the City’s activities. For the year ended September 30, 2019, revenues from governmental activities totaled $8,896,149. Property tax, charges for services, and sales taxes are the City’s largest revenue sources. Property tax increased by $526,616 or 13%due to rising property values. Sales taxes and franchise and local taxes increased by $42,498 and $21,962, respectively,due to growth in the local economy.Charges for services increased $89,336 or 5%primarily due to increases in engineering inspection service fees and sanitation service revenue. Grants and contributions decreased by $3,075,434 due to nonrecurring funds received from an interlocal agreement with Denton County for street construction in the prior year.All other revenues remained relatively stable when compared to the previous year. This graph shows the governmental function expenses of the City: For the year ended September 30, 2019, expenses for governmental activities totaled $6,917,659. This represents an increase of $620,122 from the prior year. The City’s largest functional expense is public safety of $2,759,901,which primarily includes costs for the police department, animal control, fire City of Sanger, Texas MANAGEMENT’S DISCUSSION AND ANALYSIS, Continued September 30, 2019 14 department, and EMS services.Public safety expenses increased by $242,678 or 10%, which is mainly a result of increased personnel and professional services expenses.General government expenses increased by $378,034 or 21%primarily due to increases in salaries and contract service expenditures. All other expenditures remained relatively consistent with the previous year. Business-type activities are shown comparing operating costs to revenues generated by related services. For the year ended September 30, 2019, charges for services by business-type activities totaled $12,594,574. This is a decrease of $127,718 or 1%from the previous year, which is considered minimal. Total expenses decreased by $119,166 or 1%compared to the prior year, which is considered minimal. FINANCIAL ANALYSIS OF THE CITY’S FUNDS As noted earlier, fund accounting is used to demonstrate and ensure compliance with finance-related legal requirements. Governmental Funds -The focus of the City’s governmental funds is to provide information of near- term inflows, outflows and balances of spendable resources. Such information is useful in assessing the City’s financing requirements. In particular,unreserved fund balance may serve as a useful measure of the City’s net resources available for spending at the end of the year. As of the end of the year the general fund reflected a total fund balance of $6,437,779. Of this, $10,003 is restricted for municipal court, $49,805 is restricted for tourism, $98,348 is restricted for library improvements, $61,134 for public safety, $8,587 is restricted for parks, and $562,051 is restricted for roadway impact fees.In addition, $30,868 is committed for employee benefits. Unassigned fund balance totaled $5,616,983 as of yearend.The general fund increased by $1,509,042 primarily as a result City of Sanger, Texas MANAGEMENT’S DISCUSSION AND ANALYSIS, Continued September 30, 2019 15 of planned expenditures exceeding current year actual expenditures and an overall increase in the anticipated net change in fund balance. The capital projects fund reflected an ending balance of $1,628,718, an increase of $761,933.This increase is attributed to greater intergovernmental revenues and transfers in compared to capital outlay expenditures in the current year. There was an increase in governmental fund balance of $2,291,221 over the prior year. The increase was primarily due to revenues and other financing sources exceeding current year expenditures. Proprietary Funds -The City’s proprietary funds provide the same type of information found in the government-wide financial statements, but in more detail. GENERAL FUND BUDGETARY HIGHLIGHTS There was a total positive budget variance of $1,434,143 in the general fund. This is a combination of a positive revenue variance of $465,979 a positive expenditure variance of $357,188,and a positive variance of $610,976 in other financing sources and uses. The most significant revenue variances were for property taxes, franchise and local taxes, licenses and permits,fire and rescue,intergovernmental; and other revenues. CAPITAL ASSETS As of the end of the year, the City’s governmental activities funds had invested $18,949,169 in a variety of capital assets and infrastructure, net of accumulated depreciation. Depreciation is included with the governmental capital assets as required by GASB Statement No. 34. The City’s business-type activities funds had invested $29,272,520 in a variety of capital assets and infrastructure, net of accumulated depreciation. Major capital asset events during the current year include the following: Investment in the McReynolds road construction in the amount of $158,085. Investments in street department infrastructure totaling $300,169. Investments in infrastructure for water department totaling $169,979. Investments in infrastructure for sewer department totaling $208,050. Investments in infrastructure and machinery and equipment for electric department totaling $488,770. Sewer plant expansion for $1,673,200. Purchase of public safety equipment and vehicles for $137,810. City of Sanger, Texas MANAGEMENT’S DISCUSSION AND ANALYSIS, Continued September 30, 2019 16 Acquisition of building and infrastructure improvements and machinery and equipment in the parks department for $108,129. More detailed information about the City’s capital assets is presented in note IV. D to the financial statements. LONG-TERM DEBT At the end of the current year, the City had total bonds outstanding of $22,245,000 and capital leases of $233,023. $1,575,000 of certificates of obligation bonds were refunded during the year. In addition, the City made principal payments on bonds and capital leases of $1,613,282. More detailed information about the City’s long-term liabilities is presented in note IV. E to the financial statements. ECONOMIC FACTORS AND NEXT YEAR’S BUDGET The Mayor and City Council are committed to maintaining and improving the overall wellbeing of the City of Sanger and improving services provided to their public citizens. The City is budgeting for growth in the upcoming year. CONTACTING THE CITY’S FINANCIAL MANAGEMENT This financial report is de signed to provide a general overview of the City of Sanger’s finances for all those with an interest in the City’s finances. Questions concerning this report or requests for additional financial information should be directed to the City Manager at the City of Sanger City Hall at 502 Elm Street, Sanger, Texas 76266. (This page intentionally left blank.) 17 Current assets: Cash and cash equivalents $8,168,899 $9,373,086 $17,541,985 Restricted cash - 2,540,582 2,540,582 Investments 540,374 722,526 1,262,900 Receivables, net 511,844 1,566,982 2,078,826 Inventory - 450,150 450,150 Due from component unit 134,816 - 134,816 Internal balances (91,260) 91,260 - 9,264,673 14,744,586 24,009,259 Capital assets: Non-depreciable 7,840,413 13,874,077 21,714,490 Net depreciable capital assets 11,108,756 15,398,443 26,507,199 18,949,169 29,272,520 48,221,689 28,213,842 44,017,106 72,230,948 Deferred Outflows of Resources Deferred charge on refunding 12,037 20,977 33,014 Pension contributions 188,265 56,739 245,004 OPEB contributions 239 71 310 Pension investment earnings 352,271 106,168 458,439 Pension (gains) losses 30,549 9,214 39,763 Pension assumption changes 13,273 4,000 17,273 Total Deferred Outflows of Resources 596,634 197,169 793,803 See Notes to Financial Statements. Assets Governmental Total Assets Total Current Assets Total City of Sanger, Texas STATEMENT OF NET POSITION (Page 1 of 2) September 30, 2019 Activities Activities Primary Government Business-Type 18 $1,094,539 $935,871 - - 95,314 281,699 80,325 80,325 - - - - - - 1,270,178 1,297,895 - - 731,990 - 731,990 - 2,002,168 1,297,895 - - - - - - - - - - - - - - Component Units Sanger Industrial Dev. Corp. (4A)Dev. Corp. (4B) Sanger Texas 19 Liabilities Current liabilities: Accounts payable and accrued liabilities $433,299 $1,543,854 $1,977,153 Accrued interest payable 19,676 246,910 266,586 Customer deposits - 442,086 442,086 Due to primary government - - - Compensated absences - current 191,700 119,589 311,289 Long term debt due within one year 703,516 830,200 1,533,716 1,348,191 3,182,639 4,530,830 Noncurrent liabilities: Debt due in more than one year 2,731,621 19,600,930 22,332,551 Compensated absences - noncurrent 21,299 13,288 34,587 OPEB liability 78,769 23,530 102,299 Net pension liability 1,250,664 376,926 1,627,590 4,082,353 20,014,674 24,097,027 5,430,544 23,197,313 28,627,857 Deferred Inflows of Resources OPEB (gains) losses 6,167 1,870 8,037 OPEB assumption changes 70 - 70 6,237 1,870 8,107 Net investment in capital assets 15,502,386 10,572,724 26,075,110 Restricted for: Debt service 476,181 - 476,181 Capital projects 1,628,718 - 1,628,718 Parks 8,587 - 8,587 Economic development - - - Roadway impact fees 562,051 - 562,051 Other purposes 219,290 - 219,290 Unrestricted 4,976,482 10,442,368 15,418,850 $23,373,695 $21,015,092 $44,388,787 See Notes to Financial Statements. September 30, 2019 Activities Business-Type STATEMENT OF NET POSITION (Page 2 of 2) Net Position Total Net Position Total Liabilities Total Total Deferred Inflows of Resources City of Sanger, Texas Total Current Liabilities Governmental Activities Primary Government 20 $4,386 $- - - - - 67,408 67,408 - - - - 71,794 67,408 - - - - - - - - - - 71,794 67,408 - - - - - - 731,990 - - - - - - - 1,198,384 1,230,487 - - - - - - $1,930,374 $1,230,487 Dev. Corp. (4A)Dev. Corp. (4B) Sanger Industrial Sanger Texas Component Units 21 Capital Grants and Contributions Primary Government Governmental Activities General government $2,186,197 $1,292,146 $1,019 $- Public safety 2,759,901 743,230 122,962 - Public works 1,070,180 - - 434,436 Culture and recreation 719,658 - - - Interest and fiscal charges 181,723 - 212,500 - 6,917,659 2,035,376 336,481 434,436 Business-Type Activities Water 1,530,085 2,277,432 - - Sewer 1,066,304 2,257,858 - - Electric 7,287,932 7,846,733 - - Fleet services 66 - - - Utility administration 695,540 212,551 - - Total Business-Type Activities 10,579,927 12,594,574 - - Total Primary Government $17,497,586 $14,629,950 $336,481 434,436 Component Units Sanger Ind. Dev. Corp. (4A)176,190 - - - Sanger Texas Dev. Corp. (4B)256,114 - - - $432,304 $- $- $- General Revenues: Taxes Property taxes Sales taxes Franchise and local taxes Investment income Other revenues Insurance recoveries Transfers Change in Net Position Beginning Net Position Ending Net Position See Notes to Financial Statements. Grants and Total General Revenues and Transfers City of Sanger, Texas STATEMENT OF ACTIVITIES Operating For the Year Ended September 30, 2019 Program Revenues Charges for Expenses Contributions Total Governmental Activities Functions/Programs Services 22 $(893,032) $- $(893,032) $- $- (1,893,709) - (1,893,709) - - (635,744) - (635,744) - - (719,658) - (719,658) - - 30,777 - 30,777 - - (4,111,366) - (4,111,366) - - - 747,347 747,347 - - - 1,191,554 1,191,554 - - - 558,801 558,801 - - - (66) (66) - - - (482,989) (482,989) - - - 2,014,647 2,014,647 - - (4,111,366) 2,014,647 (2,096,719) - - (176,190)- - (256,114) (176,190) (256,114) 4,480,452 - 4,480,452 - - 914,748 - 914,748 454,236 454,236 283,573 - 283,573 - - 11,916 169,808 181,724 5,754 3,416 377,018 - 377,018 40,000 - 22,149 - 22,149 - - 681,175 (681,175) - - - 6,771,031 (511,367)6,259,664 499,990 457,652 2,659,665 1,503,280 4,162,945 323,800 201,538 20,714,030 19,511,812 40,225,842 1,606,574 1,028,949 $23,373,695 $21,015,092 $44,388,787 $1,930,374 $1,230,487 Dev. Corp. (4A)Dev. Corp. (4B)Total Business-Type Activities Sanger Industrial Sanger Texas Primary Government Governmental Component Units Net (Expense) Revenue and Changes in Net Position Activities 23 Cash and cash equivalents $5,834,125 $1,636,792 $476,066 Investments 540,374 - - Receivables, net 498,594 - 13,250 Due from component unit 134,816 - - $7,007,909 $1,636,792 $489,316 Liabilities Accounts payable and accrued liabilities $328,691 $8,074 $- Due to other funds 91,260 - - 419,951 8,074 - Deferred Inflows of Resources Unavailable revenue Property taxes 49,826 - 13,135 EMS revenue 100,353 - - Total Deferred Inflows of Resources 150,179 - 13,135 Restricted for: Municipal court 10,003 - - Tourism 49,805 - - Library 98,348 - - Public safety 61,134 - - Debt service - - 476,181 Capital projects - 1,628,718 - Parks 8,587 - - Roadway impact fees 562,051 - - Committed for: Employee benefits 30,868 - - Unassigned reported in: General fund 5,616,983 - - 6,437,779 1,628,718 476,181 $7,007,909 $1,636,792 $489,316 See Notes to Financial Statements. City of Sanger, Texas BALANCE SHEET GOVERNMENTAL FUNDS September 30, 2019 Total Liabilities, Deferred Inflows, and Fund Balances Assets Service Total Liabilities Capital Total Fund Balances Total Assets Fund Balances General Nonmajor Debt Projects Fund 24 $7,946,983 540,374 511,844 134,816 $9,134,017 $336,765 91,260 428,025 62,961 100,353 163,314 10,003 49,805 98,348 61,134 476,181 1,628,718 8,587 562,051 30,868 5,616,983 8,542,678 $9,134,017 Funds Total Governmental 25 (Page intentionally left blank.) 26 Fund Balances - Total Governmental Funds $8,542,678 Adjustments for the Statement of Net Position: Capital assets used in governmental activities are not current financial resources and, therefore, not reported in the governmental funds. Capital assets - non-depreciable 7,840,413 Capital assets - net depreciable 11,062,716 Other long-term assets are not available to pay for current-period expenditures and, therefore, are deferred in the governmental funds. Property tax receivable 62,961 EMS receivable 100,353 Deferred outflows (inflows) of resources, represent a consumption (acquisition) of net position that applies to a future period(s) and is not recognized as an outflow (inflow) of resources (expense/ expenditure) (revenue) until then. Deferred charge on refunding 12,037 Pension contributions 140,424 OPEB contributions 177 Pension investment earnings 262,753 Pension gains (losses)22,804 Pension assumption changes 9,900 OPEB assumption changes (70) OPEB gains (losses)(4,565) Internal service funds are used by management to charge the cost of internal services to individual funds. The assets and liabilities of the internal service funds Net position - governmental activities (53,839) Some liabilities, including bonds payable and deferred charges, are not reported as liabilities in the governmental funds. Accrued interest (19,676) Compensated absences (179,074) Bond premium (168,814) Net pension liability (932,850) OPEB liability (58,310) Non-current liabilities due in one year (703,516) Non-current liabilities due in more than one year (2,562,807) $23,373,695 See Notes to Financial Statements. City of Sanger, Texas RECONCILIATION OF THE BALANCE SHEET TO THE STATEMENT OF NET POSITION GOVERNMENTAL FUNDS September 30, 2019 Net Position of Governmental Activities 27 Revenues Property tax $3,752,626 $- $721,281 Sales tax 914,748 - - Franchise and local taxes 283,573 - - License and permits 285,699 - - Charges for services 1,006,447 - - Fire and rescue 662,905 - - Contributions and donations 1,019 - - Intergovernmental 122,962 434,436 212,500 Fines and forfeitures 80,325 - - Investment income 11,441 - 475 Other revenue 410,313 - - 7,532,058 434,436 934,256 Expenditures Current: General government 1,677,483 - 1,500 Police department 1,509,652 - - Municipal court 180,179 - - Fire and EMS 1,032,738 - - Parks and recreation 534,881 - - Public works 888,382 - - Debt service: Principal 117,936 - 634,400 Interest 11,417 - 152,102 Bond issuance costs - - 57,213 Capital outlay 228,024 347,503 - 6,180,692 347,503 845,215 Excess of Revenues Over (Under) Expenditures 1,351,366 86,933 89,041 Other Financing Sources (Uses) Transfers in 810,527 675,000 - Transfers (out)(675,000) - (129,352) Proceeds from issuance of debt - - 1,635,753 Payment to escrow agent for refunding - - (1,575,196) Insurance recoveries 22,149 - - 157,676 675,000 (68,795) 1,509,042 761,933 20,246 Beginning fund balances 4,928,737 866,785 455,935 $6,437,779 $1,628,718 $476,181 See Notes to Financial Statements. Capital Ending Fund Balances Total Other Financing Sources (Uses) Total Expenditures Net Change in Fund Balances General Total Revenues ServiceProjects Fund City of Sanger, Texas STATEMENT OF REVENUES, EXPENDITURES, AND CHANGES IN FUND BALANCE Nonmajor Debt GOVERNMENTAL FUNDS For the Year Ended September 30, 2019 28 $4,473,907 914,748 283,573 285,699 1,006,447 662,905 1,019 769,898 80,325 11,916 410,313 8,900,750 1,678,983 1,509,652 180,179 1,032,738 534,881 888,382 752,336 163,519 57,213 575,527 7,373,410 1,527,340 1,485,527 (804,352) 1,635,753 (1,575,196) 22,149 763,881 2,291,221 6,251,457 $8,542,678 Total Funds Governmental 29 (This page intentionally left blank.) 30 Amounts reported for governmental activities in the statement of activities are different because: Net changes in fund balances - total governmental funds $2,291,221 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. Capital outlay 714,946 Depreciation expense (916,599) Adjustment for disposal of assets (33,295) Revenues in the statement of activities that do not provide current financial resources are not reported as revenues in the funds. EMS receivable 6,545 Some expenses reported in the statement of activities do not require the use of current financial resources and, therefore, are not reported as expenditures in governmental funds. Compensated absences (14,175) Accrued interest 20,106 Pension expense (90,200) OPEB expense (6,431) The issuance of long-term debt (e.g., bonds, leases, certificates of obligation) provides current financial resources to governmental funds, while the repayment of the principal of long-term debt consumes the current financial resources of governmental funds. Neither transaction, however, has any effect on net position. Also, governmental funds report the effect of issuance costs, premiums, discounts, and similar items when they are first issued; whereas, these amounts are deferred and amortized in the statement of activities. This amount is the net effect of these differences in the treatment of long-term debt and related items. Deferred charges on refunding (7,250) Premium on debt (100,753) Principal payments 752,336 Debt refunding 1,575,000 Debt issuance (1,535,000) Amortization of bond premium 26,349 Internal service funds are used by management to charge the cost of internal services to individual funds. The City reports the net gain (loss) of internal service funds within governmental activities.(23,135) $2,659,665 See Notes to Financial Statements. Change in Net Position of Governmental Activities For the Year Ended September 30, 2019 City of Sanger, Texas RECONCILIATION OF THE STATEMENT OF REVENUES, EXPENDITURES, AND CHANGES IN FUND BALANCES OF GOVERNMENTAL FUNDS TO THE STATEMENT OF ACTIVITIES 31 Current Assets Cash and cash equivalents $9,373,086 $221,916 Restricted cash 2,540,582 - Investments 722,526 - Receivables, net 1,566,982 - Inventory 450,150 - Due from other funds 91,260 - 14,744,586 221,916 Noncurrent Assets Capital assets: Non-depreciable 13,874,077 - Net depreciable capital assets 15,398,443 46,040 29,272,520 46,040 44,017,106 267,956 Deferred charge on refunding 20,977 - Pension contributions 56,739 47,841 OPEB contributions 71 62 Pension assumption changes 4,000 3,373 Pension investment earnings 106,168 89,518 Pension (gains) losses 9,214 7,745 Total Deferred Outflows of Resources 197,169 148,539 Total Noncurrent Assets Total Assets Water, Sewer Assets Service Deferred Outflows of Resources Internal & Electric Total Current Assets City of Sanger, Texas STATEMENT OF NET POSITION (Page 1 of 2) PROPRIETARY FUND September 30, 2019 Activities Governmental 32 Current Liabilities Accounts payable and accrued liabilities 1,543,854 96,534 Accrued interest 246,910 - Customer deposits 442,086 - Compensated absences - current 119,589 30,533 Bonds and capital leases payable-current 830,200 - 3,182,639 127,067 Noncurrent Liabilities Compensated absences - noncurrent 13,288 3,392 Net pension liability 376,926 317,814 OPEB liability 23,530 20,459 Bonds and capital leases payable 19,600,930 - 23,197,313 468,732 OPEB (gains) losses 1,870 1,602 1,870 1,602 Net investment in capital assets 10,572,724 46,040 Unrestricted 10,442,368 (99,879) $21,015,092 $(53,839) See Notes to Financial Statements. Total Net Position Net Position Liabilities Total Liabilities Total Current Liabilities Total Deferred Inflow of Resources PROPRIETARY FUND September 30, 2019 Deferred Inflows of Resources City of Sanger, Texas STATEMENT OF NET POSITION (Page 2 of 2) Governmental Activities Water, Sewer Internal & Electric Service 33 Operating Revenues Charges for services $11,824,963 $1,768,731 Connection fees 62,510 - Tap fees 494,550 - Other revenue 212,551 - 12,594,574 1,768,731 Operating Expenses Salaries and wages 2,077,358 1,194,615 Contracted services 321,324 327,555 Utilities 303,957 99,024 Materials and supplies 151,351 77,518 Water and electric purchases 5,487,353 - Repairs and maintenance 556,052 84,260 Depreciation 1,001,255 5,437 9,898,650 1,788,409 2,695,924 (19,678) Nonoperating Revenues (Expenses) Investment income 169,808 - Interest expense (681,277) (3,457) (511,469)(3,457) 2,184,455 (23,135) Transfers (out)(681,175)- 1,503,280 (23,135) 19,511,812 (30,704) $21,015,092 $(53,839) See Notes to Financial Statements. Internal Service Governmental Activities City of Sanger, Texas STATEMENT OF REVENUES, EXPENSES, AND CHANGES IN FUND NET POSITION PROPRIETARY FUND For the Year Ended September 30, 2019 Water, Sewer & Electric Ending Net Position Total Operating Revenues Total Operating Expenses Change in Net Position Operating Income (Loss) Total Nonoperating Revenues (Expenses) Income (Loss) Before Transfers Beginning net position 34 Cash Flows from Operating Activities Receipts from customers $12,573,545 $- Receipts from interfund charges for administrative services - 1,768,731 Payments to suppliers (7,419,736) (555,766) Payments to employees (2,043,389) (1,172,046) Payments/receipts for other 6,830 - 3,117,250 40,919 Cash Flows from Noncapital Financing Activities Operating transfers (out)(681,175) - (681,175) - Cash Flows from Capital and Related Financing Activities Capital purchases (2,698,507) (10,800) Principal paid on debt (860,946) - Interest paid on debt (769,138) (3,457) (4,328,591) (14,257) Cash Flows from Investing Activities Purchases of investments, net (2,973) - Interest on investments 169,808 - 166,835 - (1,725,681) 26,662 13,639,349 195,254 $11,913,668 $221,916 See Notes to Financial Statements. Governmental Activities Internal Service Beginning cash and cash equivalents Net Cash Provided by (Used) by Noncapital Financing Activities Net Cash (Used) by Capital and Related Financing Activities Ending Cash and Cash Equivalents Net Increase (Decrease) in Cash and Cash Equivalents Net Cash Provided by Investing Activities City of Sanger, Texas STATEMENT OF CASH FLOWS PROPRIETARY FUND (Page 1 of 2) For the Year Ended September 30, 2019 Net Cash Provided by (Used) by Operating Activities & Electric Water, Sewer 35 Reconciliation of Operating Income to Net Cash Provided by Operating Activities Operating Income / (Loss)$2,695,924 $(19,678) Adjustments to reconcile operating income / (loss) to net cash provided / (used): Depreciation 1,001,255 5,437 Changes in Operating Assets and Liabilities: (Increase) Decrease in: Accounts receivable (25,250) - Inventory (11,986) - Due from/to other funds 6,830 - Deferred outflows of resources - pension contributions (5,885) (4,962) Deferred outflows of resources - OPEB contributions (6) (6) Deferred inflows of resources - pension investment earnings (159,293) (134,311) Deferred inflows of resources - pension (gains) losses (25,143) (21,176) Deferred inflows of resources - OPEB (gains) losses 3,721 3,212 Deferred outflows of resources - pension assumption changes 6,133 5,171 Increase (Decrease) in: Accounts payable and accrued liabilities (587,713) 32,591 Compensated absences (5,074) (10,418) Customer deposits 4,221 - Net pension liability 220,634 186,033 OPEB liability (1,118) (974) $3,117,250 $40,919 See Notes to Financial Statements. Service& Electric Water, Sewer Governmental Activities Net Cash Provided (Used) by Operating Activities Internal City of Sanger, Texas STATEMENT OF CASH FLOWS PROPRIETARY FUND (Page 2 of 2) For the Year Ended September 30, 2019 36 City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS  September 30, 2019    37    I.  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES    A. Description of Government‐Wide Financial Statements    The government‐wide financial statements (i.e., the statement of net position and  the statement of activities) report information on all of the nonfiduciary activities of  the primary government and its component units. Governmental activities, which  normally are supported by taxes, intergovernmental revenues, and other  nonexchange transactions, are reported separately from business‐type activities,  which rely to a significant extent on fees and charges to external customers for  support. Likewise, the primary government is reported separately from certain legally  separate component units for which the primary government is financially  accountable.    B. Reporting Entity    The City of Sanger, Texas (the “City”) was incorporated in 1886 and operates under  a Council‐Manager form of government. The City provides: general government,  public safety, public works, culture and recreation, water, sewer, and electricity  operations.     The City is an independent political subdivision of the State of Texas governed by  an elected council and a mayor and is considered a primary government.  As  required by generally accepted accounting principles, these basic financial  statements have been prepared based on considerations regarding the potential for  inclusion of other entities, organizations, or functions as part of the Cityʹs financial  reporting entity.  The Sanger Industrial Development Corporation (“4A fund”) and  the Sanger Texas Development Corporation (“4B fund”), although legally separate,  are considered part of the reporting entity.  No other entities have been included in  the Cityʹs reporting entity. Additionally, as the City is considered a primary  government for financial reporting purposes, its activities are not considered a part  of any other governmental or other type of reporting entity.    Considerations regarding the potential for inclusion of other entities, organizations  or functions in the Cityʹs financial reporting entity are based on criteria prescribed  by generally accepted accounting principles.  These same criteria are evaluated in  considering whether the City is a part of any other governmental or other type of  reporting entity.  The overriding elements associated with prescribed criteria  considered in determining that the Cityʹs financial reporting entity status is that of a  primary government are that it has a separately elected governing body; it is legally  separate; and is fiscally independent of other state and local governments.   City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  38  Additionally, prescribed criteria under generally accepted accounting principles  include considerations pertaining to organizations for which the primary  government is financially accountable, and considerations pertaining to  organizations for which the nature and significance of their relationship with the  primary government are such that exclusion would cause the reporting entityʹs  financial statements to be misleading or incomplete.    Discretely Presented Component Units    Sanger Industrial Development Corporation (4A)     The Sanger Texas Industrial Development Corporation (“4A”) is governed by a  board of five directors, all of whom are appointed by the City Council of the City of  Sanger and any of whom can be removed from office by the City Council at its will.  The 4A fund was incorporated in the state of Texas as a non‐profit industrial  development corporation under Section 4A of the Development Corporation Act of  1979. The purpose of the 4A fund is to promote economic development within the  City of Sanger. Discrete presentation is appropriate because the District’s Board is  not substantially the same as the City.    Sanger Texas Development Corporation (4B)    The Sanger Texas Development Corporation (“4B”) is governed by a board of seven  directors, all of whom are appointed by the City Council at its will. The 4B fund was  incorporated in the state of Texas as a nonprofit industrial development corporation  under Section 4B of the Development Corporation Act of 1979. The purpose of the  4B fund is to promote economic and community development within the City of  Sanger. Discrete presentation is appropriate because the District’s Board is not  substantially the same as the City.    C. Basis of Presentation Government‐Wide and Fund Financial Statements    While separate government‐wide and fund financial statements are presented, they  are interrelated. The governmental activities column incorporates data from  governmental funds while business‐type activities incorporate data from the  government’s enterprise funds. Separate financial statements are provided for  governmental funds and the proprietary funds.    As a general rule, the effect of interfund activity has been eliminated from the  government‐wide financial statements. Exceptions to this general rule are payments  in lieu of taxes where the amounts are reasonably equivalent in value to the  City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  39  interfund services provided and other charges between the government’s water and  transit functions and various other functions of the government. Elimination of  these charges would distort the direct costs and program revenues reported for the  various functions concerned.    The fund financial statements provide information about the government’s funds.  Separate statements for each fund category—governmental and proprietary are  presented. The emphasis of fund financial statements is on major governmental and  enterprise funds, each displayed in a separate column. All remaining governmental  and enterprise funds are aggregated and reported as nonmajor funds. Major  individual governmental and enterprise funds are reported as separate columns in  the fund financial statements.     The government reports the following major governmental funds:    Governmental Funds     Governmental funds are those funds through which most governmental functions  are typically financed.    General Fund     The general fund is used to account for all financial transactions not properly  includable in other funds.  The principal sources of revenues include local  property taxes, sales and franchise taxes, licenses and permits, fines and  forfeitures, and charges for services.  Expenditures include general government,  public safety, parks and recreation and public works.     Capital Projects Fund     The capital projects fund is used to account for capital asset activities for  governmental fund types.    The government reports the following nonmajor governmental fund:    Debt Service Fund     The debt service fund is used to account for debt service activities for  governmental fund types.      City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  40  Proprietary Fund Types     Proprietary funds are used to account for activities that are similar to those often  found in the private sector.  All assets, liabilities, equities, revenues, expenses, and  transfers relating to the government’s business activities are accounted for through  proprietary funds.  The measurement focus is on determination of net income,  financial position, and cash flows.  Proprietary funds distinguish operating  revenues and expenses from non‐operating items.  Operating revenues include  charges for services.  Operating expenses include costs of materials, contracts,  personnel, and depreciation.  All revenues and expenses not meeting this definition  are reported as non‐operating revenues and expenses.  Proprietary fund types  follow GAAP prescribed by the Governmental Accounting Standards Board (GASB)  and all financial Accounting Standards Board’s standards issued prior to November  30, 1989.  Subsequent to this date, the City accounts for its enterprise funds as  presented by GASB. The proprietary fund types used by the City include enterprise  funds.    The government reports the following major enterprise fund:    Water, Sewer, & Electric Fund     This fund is used to account for the provision of water, sewer and electric  services to the residents of the City. Activities of the fund include administration,  operations and maintenance of the water production and distribution system,  water collection and treatment systems, and electric services. The fund also  accounts for the accumulation of resources for and the payment of long‐term  debt. All costs are financed through charges to utility customers.    Additionally, the government reports the following fund type:    Internal Service Fund    Revenues and expenses related to services provided to organizations inside the  City on a cost reimbursement basis are accounted for in an internal service fund.  The Cityʹs internal service fund was set up to provide administrative support  services to other funds of the City.    During the course of operations the government has activity between funds for  various purposes. Any residual balances outstanding at year end are reported as  due from/to other funds and advances to/from other funds. While these balances  are reported in fund financial statements, certain eliminations are made in the  City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  41  preparation of the government‐wide financial statements. Balances between the  funds included in governmental activities (i.e., the governmental and internal  service funds) are eliminated so that only the net amount is included as internal  balances in the governmental activities column. Similarly, balances between the  funds included in business‐type activities (i.e., the enterprise funds) are eliminated  so that only the net amount is included as internal balances in the business‐type  activities column.    Further, certain activity occurs during the year involving transfers of resources  between funds. In fund financial statements these amounts are reported at gross  amounts as transfers in/out. While reported in fund financial statements, certain  eliminations are made in the preparation of the government‐wide financial  statements. Transfers between the funds included in governmental activities are  eliminated so that only the net amount is included as transfers in the governmental  activities column. Similarly, balances between the funds included in business‐type  activities are eliminated so that only the net amount is included as transfers in the  business‐type activities column.    D. Measurement Focus and Basis of Accounting     The accounting and financial reporting treatment is determined by the applicable  measurement focus and basis of accounting. Measurement focus indicates the type  of resources being measured such as current financial resources or economic resources.  The basis of accounting indicates the timing of transactions or events for recognition  in the financial statements.    The government‐wide financial statements are reported using the economic resources  measurement focus and the accrual basis of accounting. Revenues are recorded when  earned and expenses are recorded when a liability is incurred, regardless of the  timing of related cash flows. Property taxes are recognized as revenues in the year  for which they are levied. Grants and similar items are recognized as revenue as  soon as all eligibility requirements imposed by the provider have been met.    The governmental fund financial statements are reported using the current financial  resources measurement focus and the modified accrual basis of accounting. Revenues are  recognized as soon as they are both measurable and available. Revenues are  considered to be available when they are collectible within the current period or  soon enough thereafter to pay liabilities of the current period. For this purpose, the  government considers revenues to be available if they are collected within 60 days  of the end of the current fiscal period. Expenditures generally are recorded when a  liability is incurred, as under accrual accounting. However, debt service  City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  42  expenditures, as well as expenditures related to compensated absences, and claims  and judgments, are recorded only when payment is due. General capital asset  acquisitions are reported as expenditures in governmental funds. Issuance of long‐ term debt and acquisitions under capital leases are reported as other financing  sources.    Property taxes, sales taxes, franchise taxes, licenses, and interest associated with the  current fiscal period are all considered to be susceptible to accrual and so have been  recognized as revenues of the current fiscal period. Entitlements are recorded as  revenues when all eligibility requirements are met, including any time  requirements, and the amount is received during the period or within the  availability period for this revenue source (within 60 days of year end).  Expenditure‐driven grants are recognized as revenue when the qualifying  expenditures have been incurred and all other eligibility requirements have been  met, and the amount is received during the period or within the availability period  for this revenue source (within 60 days of year end). All other revenue items are  considered to be measurable and available only when cash is received by the  government.    E. Assets, Liabilities, Deferred Outflows/Inflows of Resources and Net  Position/Fund Balance    1. Deposits and Investments    The City’s cash and cash equivalents are considered to be cash on hand, demand  deposits and short term investments with original maturities of three months or less  from the date of acquisition.  For the purpose of the statement of cash flows, the  proprietary fund types consider temporary investments with maturity of three  months or less when purchased to be cash equivalents.    In accordance with GASB Statement No. 31, Accounting and Reporting for Certain  Investments and External Investment Pools, the City reports all investments at fair  value, except for “money market investments” and “2a7‐like pools.”  Money market  investments, which are short‐term highly liquid debt instruments that may include  U.S. Treasury and agency obligations, are reported at amortized costs.  Investment  positions in external investment pools that are operated in a manner consistent with  the SEC’s Rule 2a7 of the Investment Company Act of 1940, such as TexPool, are  reported using the pools’ share price.    City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  43  The City has adopted a written investment policy regarding the investment of its  funds as defined in the Public Funds Investment Act, Chapter 2256, of the Texas  Governmental Code.  In summary, the City is authorized to invest in the following:    Direct obligations of the U.S. Government  Fully collateralized certificates of deposit and money market accounts  Statewide investment pools    2. Fair Value    The City has applied Governmental Accounting Standards Board (“GASB”)  Statement No. 72, Fair Value Measurement and Application. GASB Statement No.  72 provides guidance for determining a fair value measurement for reporting  purposes and applying fair value to certain investments and disclosures related to  all fair value measurements.    3. Receivables and Interfund Transactions    Transactions between funds that are representative of lending/borrowing  arrangements outstanding at the end of the year are referred to as either “interfund  receivables/payables” (i.e., the current portion of interfund loans) or “advances  to/from other funds” (i.e., the non‐current portion of interfund loans).  All other  outstanding balances between funds are reported as “due to/from other funds” in  the fund financial statements.  If the transactions are between the primary  government and its component unit, these receivables and payables are classified as  “due to/from component unit/primary government.”  Any residual balances  outstanding between the governmental activities and business‐type activities are  reported in the government‐wide financial statements as “internal balances.”    Advances between funds are offset by a fund balance reserve account in the  applicable governmental fund to indicate they are not available for appropriation  and are not expendable available financial resources.    All trade receivables are shown net of any allowance for uncollectible amounts.    4. Property Taxes    Property taxes are levied by October 1 on the assessed value listed as of the prior  January 1 for all real and business personal property in conformity with Subtitle E,  Texas Property Tax Code. Taxes are due on receipt of the tax bill and are delinquent  if not paid before February 1 of the year following the year in which imposed.  City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  44  Penalties are calculated after February 1 up to the date collected by the government  at the rate of 6% for the first month and increased 1% per month up to a total of  12%. Interest is calculated after February 1 at the rate of 1% per month up to the  date collected by the government. Under state law, property taxes levied on real  property constitute a lien on the real property which cannot be forgiven without  specific approval of the State Legislature. The lien expires at the end of twenty  years. Taxes levied on personal property can be deemed uncollectible by the City.    5. Inventories and Prepaid Items    The costs of governmental fund type inventories are recorded as expenditures when  the related liability is incurred, (i.e., the purchase method).  The inventories are  valued at the lower of cost or market using the average cost method. Certain  payments to vendors reflect costs applicable to future accounting periods (prepaid  expenditures) are recognized as expenditures when utilized.     6. Capital Assets    Capital assets, which include property, plant, equipment, and infrastructure assets  (e.g., roads, bridges, sidewalks, and similar items) are reported in the applicable  governmental or business‐type activities columns in the government‐wide financial  statements.  Capital assets are defined by the government, as assets with an initial  individual cost of more than $5,000 and an estimated useful life in excess of one  year.  Such assets are recorded at historical cost or estimated historical cost if  purchased or constructed.  Donated capital assets are recorded at estimated fair  market value at the date of donation.  Major outlays for capital assets and  improvements are capitalized as projects are constructed.    Interest costs incurred in connection with construction of enterprise fund capital  assets are capitalized when the effects of capitalization materially impact the  financial statements.    The costs of normal maintenance and repairs that do not add to the value of the  asset or materially extend assets’ lives are not capitalized.              City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  45  Property, plant, and equipment of the primary government, as well as the  component units, are depreciated using the straight‐line method over the following  estimated useful years.      Asset Description   Estimated   Useful Life  Vehicles  5‐10 years  Furniture and equipment  5 to 10 years  Infrastructure  10‐30 years  Water and sewer system  10‐30 years  Buildings and improvements  5‐40 years      7. Deferred Outflows/Inflows of Resources    In addition to assets, the statement of financial position will sometimes report a  separate section for deferred outflows of resources. This separate financial  statement element, deferred outflows of resources, represents a consumption of net  position that applies to a future period(s) and so will not be recognized as an  outflow of resources (expense/ expenditure) until then. An example is a deferred  charge on refunding reported in the government‐wide statement of net position. A  deferred charge on refunding results from the difference in the carrying value of  refunded debt and its reacquisition price. This amount is deferred and amortized  over the shorter of the life of the refunded or refunding debt.    In addition to liabilities, the statement of financial position will sometimes report a  separate section for deferred inflows of resources. This separate financial statement  element, deferred inflows of resources, represents an acquisition of net position that  applies to a future period(s) and so will not be recognized as an inflow of resources  (revenue) until that time. The government has only one type of item, which arises  only under a modified accrual basis of accounting, which qualifies for reporting in  this category. Accordingly, the item, unavailable revenue, is reported only in the  governmental funds balance sheet. The governmental funds report unavailable  revenues from two sources: property taxes and EMS revenues. These amounts are  deferred and recognized as an inflow of resources in the period that the amounts  become available.    8. Net Position Flow Assumption    Sometimes the government will fund outlays for a particular purpose from both  restricted (e.g., restricted bond or grant proceeds) and unrestricted resources. In  order to calculate the amounts to report as restricted – net position and unrestricted  – net position in the government‐wide and proprietary fund financial statements, a  City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  46  flow assumption must be made about the order in which the resources are  considered to be applied.    9. Fund Balance Flow Assumptions    Sometimes the government will fund outlays for a particular purpose from both  restricted and unrestricted resources (the total of committed, assigned, and  unassigned fund balance). In order to calculate the amounts to report as restricted,  committed, assigned, and unassigned fund balance in the governmental fund  financial statements a flow assumption must be made about the order in which the  resources are considered to be applied. It is the government’s policy to consider  restricted fund balance to have been depleted before using any of the components  of unrestricted fund balance. Further, when the components of unrestricted fund  balance can be used for the same purpose, committed fund balance is depleted first,  followed by assigned fund balance. Unassigned fund balance is applied last.    10. Fund Balance Policies    Fund balance of governmental funds is reported in various categories based on the  nature of any limitations requiring the use of resources for specific purposes. The  government itself can establish limitations on the use of resources through either a  commitment (committed fund balance) or an assignment (assigned fund balance).    The committed fund balance classification includes amounts that can be used only  for the specific purposes determined by a formal action of the government’s highest  level of decision‐making authority. The governing council is the highest level of  decision‐making authority for the government that can, by adoption of an  ordinance prior to the end of the fiscal year, commit fund balance. Once adopted,  the limitation imposed by the ordinance remains in place until a similar action is  taken (the adoption of another ordinance) to remove or revise the limitation.    Amounts in the assigned fund balance classification are intended to be used by the  government for specific purposes but do not meet the criteria to be classified as  committed. The governing body (council) has by resolution authorized the City  Manager to assign fund balance. The Council may also assign fund balance as it  does when appropriating fund balance to cover a gap between estimated revenue  and appropriations in the subseq uent year’s appropriated budget. Unlike  commitments, assignments generally only exist temporarily. In other words, an  additional action does not normally have to be taken for the removal of an  assignment. Conversely, as discussed above, an additional action is essential to  either remove or revise a commitment.  City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  47  11. Compensated Absences    The liability for compensated absences reported in the government‐wide and  proprietary fund statements consist of unpaid, accumulated vacation balances. The  liability has been calculated using the vesting method, in which leave amounts for  both employees who currently are eligible to receive termination payments and  other employees who are expected to become eligible in the future to receive such  payments upon termination are included. Vested or accumulated vacation leave  and compensated leave of government‐wide and proprietary funds are recognized  as an expense and liability of those funds as the benefits accrue to employees.    It is the Cityʹs policy to liquidate compensated absences with future revenues rather  than with currently available expendable resources. Accordingly, the Cityʹs  governmental funds recognize accrued compensated absences when it is paid.    12. Long‐Term Obligations    In the government‐wide financial statements, long‐term debt and other long‐term  obligations are reported as liabilities in the applicable governmental activities  statement of net position. The long‐term debt consists primarily of bonds payable  and accrued compensated absences.    Long‐term debt for governmental funds is not reported as liabilities in the fund  financial statements until due. The debt proceeds are reported as other financing  sources, net of the applicable premium or discount and payments of principal and  interest reported as expenditures.  In the governmental fund types, issuance costs,  even if withheld from the actual net proceeds received, are reported as debt service  expenditures.  However, claims and judgments paid from governmental funds are  reported as a liability in the fund financial statements only for the portion expected  to be financed from expendable available financial resources.    Long‐term debt and other obligations, financed by proprietary funds, are reported  as liabilities in the appropriate funds.  For proprietary fund types, bond premiums,  and discounts are deferred and amortized over the life of the bonds using the  effective interest method, if material.  Bonds payable are reported net of the  applicable bond premium or discount.  Issuance costs are expensed as incurred in  accordance with GASB statement no. 65.    Assets acquired under the terms of capital leases are recorded as liabilities and  capitalized in the government‐wide financial statements at the present value of net  minimum lease payments at inception of the lease.  In the year of acquisition, capital  City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  48  lease transactions are recorded as other financing sources and as capital outlay  expenditures in the general fund.  Lease payments representing both principal and  interest are recorded as expenditures in the general fund upon payment with an  appropriate reduction of principal recorded in the government‐wide financial  statements.    13. Estimates    The preparation of financial statements, in conformity with generally accepted  accounting principles, requires management to make estimates and assumptions  that affect the reported amounts of assets and liabilities and disclosure of contingent  assets and liabilities at the date of the financial statements and the reported  amounts of revenues and expenditures/expenses during the reporting period.   Actual results could differ from those estimates.    14. Pensions    For purposes of measuring the net pension liability, deferred outflows of resources  and deferred inflows of resources related to pensions, and pension expense,  information about the Fiduciary Net Position of the Texas Municipal Retirement  System (TMRS) and additions to/deductions from TMRS’s Fiduciary Net Position  have been determined on the same basis as they are reported by TMRS. For this  purpose, plan contributions are recognized in the period that compensation is  reported for the employee, which is when contributions are legally due. Benefit  payments and refunds are recognized when due and payable in accordance with  the benefit terms. Investments are reported at fair value.    15. Other Postemployment Benefits (“OPEB”)    The City has implemented GASB Statement No. 75, Accounting and Financial  Reporting for Postemployment Benefits Other Than Pensions. This statement  applies to the individual employers (TMRS cities) in the TMRS Supplemental Death  Benefits (SDB) plan, with retiree coverage. The TMRS SDBF covers both active and  retiree benefits with no segregation of assets, and therefore doesn’t meet the  definition of a trust under GASB No. 75 (i.e., no assets are accumulated for OPEB)  and as such the SDBF is considered to be an unfunded OPEB plan. For purposes of  reporting under GASB 75, the retiree portion of the SDBF is not considered a cost  sharing plan and is instead considered a single employer, defined benefit OPEB  plan. The death benefit for active employees provides a lump‐sum payment  approximately equal to the employee’s annual salary, calculated based on the  employee’s actual earnings on which TMRS deposits are made, for the 12‐month  City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  49  period preceding the month of death. The death benefit amount for retirees is  $7,500. GASB No. 75 requires the liability of employers and nonemployer  contributing entities to employees for defined benefit OPEB (net OPEB liability) to  be measured as the portion of the present value of projected benefit payments to be  provided to current active and inactive employees that is attributed to those  employees’ past periods of service (total OPEB liability), less the amount of the  OPEB plan’s fiduciary net position.    II. RECONCILIATION OF GOVERNMENT‐WIDE AND FUND FINANCIAL  STATEMENTS    A. Explanation of certain differences between the governmental fund balance sheet  and the government‐wide statement of net position.    The governmental fund balance sheet includes reconciliation between fund balance‐ total governmental funds and net position‐governmental activities as reported in the  government‐wide statement of net position.  One element of that reconciliation  explains that long‐term liabilities, including bonds, are not due and payable in the  current period and, therefore, are not reported in the funds.    B. Explanation of certain differences between the governmental fund statement of  revenues, expenditures, and changes in fund balances and the government‐wide  statement of activities.    The governmental fund statement of revenues, expenditures, and changes in fund  balances includes a reconciliation between net changes in fund balances – total  governmental funds and changes in net position of governmental states that, “the  issuance of long‐term debt (e.g., bonds) provides current financial resources to  governmental funds, while the repayment of the principal of long‐term debt  consumes the current financial resources of governmental funds.  Also,  governmental funds report the effect of premiums, discounts, and similar items  when debt is first issued, whereas these amounts are deferred and amortized in the  statement of activities.”      III.  STEWARDSHIP, COMPLIANCE, AND ACCOUNTABILITY    Annual budgets are adopted on a basis consistent with generally accepted  accounting principles for all governmental and enterprise funds.     The appropriated budget is prepared by fund, function, and department. The legal  level of control is the fund level. No funds can be transferred or added to a  City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  50  budgeted item without Council approval.  Appropriations lapse at the end of the  year. Budget amendments were only re‐classes at the function level and below and  there was no increase in budgeted revenues or expenses by function from  amendments.     IV.  DETAILED NOTES ON ALL FUNDS     A. Deposits and Investments    As of September 30, 2019, the primary government had the following investments:    Investment Type Certificates of deposit $ 1,262,900 0.52 Total fair value $ 1,262,900 Portfolio weighted average maturity 0.52 Average Maturity Carrying Value  (Years)   As of September 30, 2019, the 4A Component Unit had the following investments:    Investment Type Certificates of deposit $95,314 0.01 Total fair value $95,314 Portfolio weighted average maturity 0.01 Average Maturity Carrying Value  (Years)     As of September 30, 2019, the 4B Component Unit had the following investments:    Investment Type Certificates of deposit $ 281,699 0.42 Total fair value $ 281,699 Portfolio weighted average maturity 0.42 Average Maturity Carrying Value  (Years)     Interest rate risk – In accordance with its investment policy, the City manages its  exposure to declines in fair values by limiting the weighted average of maturity not  to exceed five years; structuring the investment portfolio so that securities mature to  meet cash requirements for ongoing operations; monitoring credit ratings of  portfolio position to assure compliance with rating requirements imposed by the  Public Funds Investment Act;  and invest operating funds primarily in short‐term  securities or similar government investment pools.    City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  51  Credit risk – The City’s investment policy limits investments to obligations of the  United States, State of Texas, or their agencies and instrumentalities with an  investment quality rating of not less than “A” or its equivalent, by a nationally  recognized investment rating firm. Other obligations must be unconditionally  guaranteed (either express or implied) by the full faith and credit of the United  States Government or the issuing U.S. agency and investment pools with an  investment quality not less than AAA or AAA‐m, or equivalent, by at least one  nationally recognized rating service.     Custodial credit risk – deposits In the case of deposits, this is the risk that in the event  of a bank failure, the City’s deposits may not be returned to it.  State statutes require  that all deposits in financial institutions be insured or fully collateralized by U.S.  government obligations or its agencies and instrumentalities or direct obligations of  Texas or its agencies and instrumentalities that have a market value of not less than  the principal amount of the deposits. As of September 30, 2019, the market values of  pledged securities and FDIC exceeded bank balances.     Custodial credit risk – investments  For an investment, this is the risk that, in the event  of the failure of the counterparty, the City will not be able to recover the value of its  investments or collateral securities that are in the possession of an outside party.   The City’s investment policy requires that it will seek to safekeeping securities at  financial institutions, avoiding physical possession.  Further, all trades, where  applicable, are executed by delivery versus payment to ensure that securities are  deposited in the City’s safekeeping account prior to the release of funds.      B.  Receivables     The following comprise receivable balances of the primary government at year end:    Property taxes $ 82,143 $ 24,395 $‐                  $ 106,538       Sales tax 160,650     ‐              ‐                  160,650       Franchise & local taxes 42,910 ‐              ‐                  42,910         EMS 338,601 ‐              ‐                  338,601       Accounts 118,353 ‐              1,775,895 1,894,248    Other 1,600 ‐              ‐                  1,600           Allowance (245,663)  (11,145)   (208,913)    (465,721)      $ 498,594    $ 13,250    $ 1,566,982  $ 2,078,826    Debt Total& Electric Water, Sewer General Service       City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  52  The following comprise receivable balances of the component units at year end:    Sales tax $ 80,325    $ 80,325        $ 160,650       $80,325    $ 80,325        $ 160,650       Total4A4B     C. Inventory    The following comprise the inventory balances of the primary government at year  end:    Inventory type Electric Department $ 375,213 Water Department 74,937 Total $ 450,150 Cost                                                   City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  53  D. Capital Assets    A summary of changes in governmental activities capital assets for the year end  was as follows:    Capital assets, not being depreciated: Land $ 1,044,933             $‐                        $‐                        $ 1,044,933        Construction in progress 6,633,637             161,843             ‐                        6,795,480        7,678,570 161,843 ‐                        7,840,413 Capital assets, being depreciated: Infrastructure 12,087,810           336,400            ‐                        12,424,210      Buildings and improvements 6,798,040             29,414              ‐                        6,827,454        Machinery and equipment 4,010,518             198,089            (49,481)             4,159,126        22,896,368 563,903 (49,481) 23,410,790 Less accumulated depreciation Infrastructure 6,460,660             336,334            ‐                        6,796,994        Buildings and improvements 2,275,201             292,651            ‐                        2,567,852        Machinery and equipment 2,660,323             293,051            (16,186)             2,937,188        Total accumulated depreciation 11,396,184 922,036 (16,186)             12,302,034 Net capital assets being depreciated 11,500,184           (358,133)           (33,295)             11,108,756      $ 19,178,754           $ (196,290)           $(33,295)             $ 18,949,169      Beginning Disposals /Ending Balances Increases Total Capital Assets Total capital assets not being depreciated Total capital assets being depreciated BalancesReclassifications   Depreciation was charged to governmental functions as follows:    General government $ 73,932                 Public safety 103,607               Public works 373,469               Culture and recreation 281,984               Fire and rescue 83,607                 Internal service 5,437                   $ 922,036              Total Governmental Activities Depreciation Expense             City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  54  A summary of changes in business‐type activities capital assets for the year end  was as follows:    Capital assets, not being depreciated: Land $ 496,857             $10                     $‐                         $ 496,867             Construction in progress 11,545,501        1,831,709          ‐                         13,377,210        Total capital assets not being depreciated 12,042,358        1,831,719         ‐                         13,874,077        Capital assets, being depreciated: Infrastructure 29,561,571        717,718            ‐                         30,279,289        Buildings and improvements 865,245             ‐                        ‐                         865,245             Machinery and equipment 2,169,446          149,070            ‐                         2,318,516          Total capital assets being depreciated 32,596,262        866,788            ‐                         33,463,050        Less accumulated depreciation Infrastructure 14,989,534        816,299            ‐                         15,805,833        Buildings and improvements 523,160             51,855              ‐                         575,015             Machinery and equipment 1,550,658          133,101            ‐                         1,683,759          Total accumulated depreciation 17,063,352        1,001,255         ‐                         18,064,607        Net capital assets being depreciated 15,532,910        (134,467)           ‐                         15,398,443        $ 27,575,268        $ 1,697,252         $‐                         $ 29,272,520       Total Capital Assets Beginning Disposals /Ending Balances Increases Reclassifications Balances   Depreciation was charged to business‐type activities as follows:    Water $ 380,564 Sewer 382,003 Electric 224,359 Other 14,329 $ 1,001,255          Total Business‐type Activities Depreciation Expense                     City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  55  A summary of changes in component unit (4A Component Unit) capital assets for  the year end was as follows:    Capital assets, being depreciated: Buildings and improvements $ 1,080,797   $‐                  $‐                     $ 1,080,797    Furniture and fixtures 40,950         ‐                  ‐                     40,950         Total capital assets being depreciated 1,121,747   ‐                  ‐                     1,121,747    Less accumulated depreciation Buildings and improvements 329,865      38,231        ‐                     368,096       Furniture and fixtures 17,298        4,363          ‐                     21,661         Total accumulated depreciation 347,163      42,594        ‐                     389,757       Net capital assets being depreciated 774,584      (42,594)       ‐                     731,990       $ 774,584      $ (42,594)       $‐                     $ 731,990       Beginning Retirements/ Ending Balances Additions Reclassifications Balances Total Capital Assets   The 4A Component Unit recognized depreciation expense of $42,594 during the  year ended September 30, 2019.                                          City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  56  E.   Long‐term Debt    The following is a summary of changes in the City’s total governmental long‐term  liabilities for the year ended. The City uses the debt service fund to liquidate  governmental activities debts.    Governmental Activities: Bonds, notes and other payables: General Obligation Bonds $ 1,197,300      $‐                  $ (392,800)    $‐                 $ 804,500         $ 410,900    Certificates of Obligation 2,510,400      1,535,000    (241,600)    (1,575,000) 2,228,800      248,900    Less deferred amounts: For issuance premiums 94,410           100,753       (26,349)      ‐                 168,814         ‐                3,802,110      1,635,753    (660,749)    (1,575,000) 3,202,114      659,800    Other liabilities: Capital leases payable 350,959         ‐                   (117,936)      ‐                   233,023         43,716        $ 4,153,069      $ 1,635,753     $ (778,685)      $ (1,575,000)   $ 3,435,137      $703,516      Long‐term liabilities due in more than one year $ 2,731,621       Business‐Type Activities: General Obligation Bonds $ 1,452,700      $‐                  $ (477,200)    $‐                 $ 975,500         $ 499,100    Certificates of Obligation 18,564,600    ‐                  (328,400)    ‐                 18,236,200    331,100    Less deferred amounts: For issuance premiums 1,320,016      ‐                  (100,586)    ‐                 1,219,430      ‐                21,337,316    ‐                  (906,186)    ‐                 20,431,130    830,200    Other liabilities: Capital leases payable 55,346           ‐                  (55,346)      ‐                 ‐                    ‐                $21,392,662    $‐                   $ (961,532)      $‐                   $ 20,431,130    $ 830,200      Long‐term liabilities due in more than one year $ 19,600,930     Component Units (4A Fund) Notes payable $ 308,495         $‐                  $ (308,495)    $‐                 $‐                    $‐                $ 308,495         $‐                  $ (308,495)    $‐                 $‐                    $‐                Long‐term liabilities due in more than one year $‐                     One Year Total Governmental  Activities Amounts Beginning Amortization/Ending Due within Balance Additions Payments Balance Total Business‐Type  Activities Refunding   City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  57  Long‐term debt at year end was comprised of the following debt issues:     General Obligation Bonds: $3,495,000 General Obligation Refunding Bond, Series 2012, due in   installments through 2021, interest at 2% to 3%$ 314,600     $ 400,400         $ 715,000        $2,535,000 General Obligation Refunding Bond, Series 2016, due in   installments through 2021, interest at 2% to 4%489,900     575,100         1,065,000     $ 804,500     $ 975,500         $ 1,780,000     Certificates of Obligation: $1,750,000 Certificates of Obligation, Series 2007,  due in annual installments through 2027, interest at 4.4%$ 302,600     $ 587,400         $ 890,000        $4,260,000 Certificates of Obligation, Series 2013,  due in annual installments through 2033, interest at 2% to 3.7%391,200     2,868,800      3,260,000     $5,870,000 Certificates of Obligation, Series 2015,  due in annual installments through 2035, interest at 3.4% to 5.5%‐                 5,540,000      5,540,000     $9,240,000 Certificates of Obligation, Series 2017,  due in annual installments through 2035, interest at 3% to 4%‐                 9,240,000      9,240,000     $1,535,000 Certificates of Obligation, Series 2019,  due in annual installments through 2026, interest at 3% to 4.75%1,535,000  ‐                     1,535,000     $ 2,228,800  $ 18,236,200    $ 20,465,000   Plus deferred amounts: Issuance premium $ 168,814     $ 1,219,430      $ 1,388,244     $ 168,814     $ 1,219,430      $ 1,388,244     Capital Leases Payable: $435,000 Capital lease payable to financial institution, due in annual installments of $51,535 through 2024, interest at 3.346%$ 233,023     $‐                     $ 233,023        $ 233,023       $‐                     $ 233,023          $ 3,435,137  $ 20,431,130    $ 23,866,267  Total Long‐term Liabilities Total Business ‐ Total General Obligation Bonds Total Certificates of Obligation Governmental Type Activities Activities Total Deferred Amounts Total Capital Leases Payable    Long‐term liabilities applicable to the City’s governmental activities are not due  and payable in the current period and accordingly, are not reported as fund  liabilities in the governmental funds.  Interest on long‐term debt is not accrued in  governmental funds, but rather is recognized as an expenditure when due.              City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  58  The annual requirements to amortize governmental and business‐type activities  debt issues outstanding at year ending were as follows:    General Obligation Bonds    Year ending September 30, 2020 $ 410,900            $ 27,824            $ 499,100          $ 33,476              2021 393,600            13,929            476,400          16,746              $ 804,500            $ 41,753            $ 975,500          $ 50,222              Principal Interest Principal Interest Governmental Activities Business‐Type Activities     Combination Tax and Revenue Certificates of Obligations    Year ending September 30, 2020 $ 248,900            $ 82,794            $ 331,100          $ 706,516             2021 256,200            76,725            408,800          694,655             2022 268,500            66,563            616,500          679,742             2023 281,400            55,908              633,600            660,427             2024 287,000            44,743            658,000          640,327             2025 299,300            33,236              675,700            618,519             2026 313,900            20,982            701,100          593,113             2027 76,800              13,024            998,200          566,321             2028 28,800              9,768              1,086,200       526,357             2029 30,600              8,400              1,124,400       482,800             2030 31,800              6,870              1,173,200       436,574             2031 33,600              5,280              1,221,400       387,920             2032 35,400              3,600              1,269,600       337,338             2033 36,600              1,830              1,323,400       284,626             2034 ‐                      ‐                     1,420,000       229,713             2035 ‐                      ‐                     1,475,000       173,656             2036 ‐                      ‐                     1,535,000       115,344             2037 ‐                       ‐                       1,585,000         63,400               $ 2,228,800         $ 429,724          $ 18,236,200     $ 8,197,346          Principal Interest Principal Interest Governmental Activities Business‐Type Activities   General obligation bonds are direct obligations of the City for which its full faith  and credit are pledged. Repayment of general obligation bonds are from taxes  levied on all taxable property located within the City. The City is not obligated in  any manner for special assessment debt.  City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  59  Capital Leases    Year ending September 30, 2020 $ 43,716            $ 7,819               2021 45,179            6,357               2022 46,690            4,845               2023 48,252            3,283               2024 49,186            1,668               $ 233,023          $ 23,972             Governmental Activities Principal Interest     The City has entered into capital lease agreements. The leased property under  capital leases is classified as machinery and equipment with a total carrying value  as of yearend for governmental activities and business type activities of $379,697  and $390,840, respectively.    F.   Other Long‐term Liabilities    The following is a summary of changes in the City’s other long‐term liabilities for  the year ended. In general, the City uses the general fund to liquidate  governmental activities compensated absences.     Governmental Activities: Compensated Absences $ 164,899       $ 14,175      $‐                   $179,074       $161,167       Compensated Absences  in internal service funds 44,343         ‐                 (10,418)      33,925         30,533          Total Governmental Activities $ 209,242       $ 14,175      $ (10,418)      $212,999       $191,700       Business‐Type Activities: Compensated Absences $ 137,951       $‐                 $ (5,074)        $132,877       $119,589       Total Business‐Type Activities $ 137,951       $‐                 $ (5,074)        $132,877       $119,589       Amounts Due Within One Year Beginning Balance Additions Reductions Ending Balance   G. Conduit Debt    Before the current year, the City issued notes payable totaling $230,461,407 for the  purpose of assisting with financing needed by not‐for‐profit organizations to  promote their cause. The final maturities on notes payable range from March 2019  through December 2041. The notes are secured by various assets of the borrower.  The City has no liability for the notes payable in the event of default by the  City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  60  borrowers. Accordingly, the bonds are not reported as liabilities in the City’s  financial statements.    H. Advance Refunding    On July 1, 2019, the City issued $1,535,000 in general obligation refunding bonds  with an interest rate of 2 ‐ 4%. The proceeds were used to advance refund $1,575,000  of an outstanding 2009 Combination Tax and Revenue Certificate of Obligation  which had an interest rate of 4% ‐ 4.75%%. The net proceeds of $1,575,196 (after  payment of $57,213 in issuance costs and $3,344 deposited into the debt service  fund) were deposited with an escrow agent to provide funds for the future debt  service payment on the refunded bonds. As a result, the former 2009 obligations are  considered defeased, and the liability for those certificates have been removed from  the statement of net position.    The reacquisition price exceeded the net carrying amount of the old debt by $196.  This amount was considered immaterial, and was therefore expensed rather than  deferred and amortized. This advance refunding reduced the Cityʹs total debt  service payments by $126,040 and resulted in an economic gain (difference between  the present values of the debt service payments on the old and new debt) of  $117,778.    I. Deferred Charge on Refunding    Deferred charges resulting from the issuance of the 2012 and 2016 general  obligation refunding bonds have been recorded as a deferred outflow of resources  and are being amortized to interest expense over the terms of the respective  refunded debts. Current year balances for governmental and business‐type  activities totaled $12,037 and $20,977, respectively. Current year amortization  expense for governmental and business‐type activities totaled $7,250 and $12,725,  respectively.                      City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  61  J. Interfund Transactions     Amounts transferred between funds relate to amounts collected, various capital  expenditures, annual funding, and debt payments.    Transfer out: General $‐                  $ 675,000    $ 530,619     $ 1,205,619     Debt Service 129,352        ‐                ‐                  129,352       Water, sewer, & electric 681,175       ‐                1,238,112  1,919,287     $ 810,527       $ 675,000    $ 1,768,731  $ 3,254,258     General Total  Capital  Projects  Transfer In  Internal  Service Fund    The internal service fund provides administrative services to the general and water,  sewer, & electric funds. Below is a summary of the amounts paid from these funds  to the internal service fund for the year ended September 30, 2019:    Paid by: General $ 530,619           Enterprise 1,238,112        $ 1,768,731        Internal Service  Received by:     The compositions of interfund due to/from balances as of the year ended September  30, 2019 were as follows:      Payable fund: General $ 91,260             $ 91,260              Enterprise  Receivable fund:      Interfund balances resulted from the timing difference between the dates that (1)  interfund goods and services are provided or reimbursable expenditures occur, (2)  transactions are recorded in the accounting system, and (3) payments between  funds are made. All balances are expected to be paid in the subsequent year.    City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  62  K.  Fund Equity     The City records fund balance restrictions on the fund level to indicate that a  portion of the fund balance is legally restricted for a specific future use or to  indicate that a portion of the fund balance is not available for expenditures.     The following is a list of fund balances restricted/committed by the City:    Municipal court $ 10,003            *$‐                       Tourism 49,805            *‐                       Library 98,348             ‐                       Public safety 61,134            *‐                       Debt service 476,181          ‐                       Capital projects 1,628,718       ‐                       Parks 8,587              ‐                       Streets 562,051          ‐                       Employee benefits ‐                     30,868              $ 2,894,827       $ 30,868              * Restricted by enabling legislation Restricted Committed     V.  OTHER INFORMATION    A. Risk Management    The City is exposed to various risks of loss related to torts; theft of, damage to and  destruction of assets, errors and omissions; and natural disasters for which the City  participates along with 2,800 other entities in the Texas Municipal League’s  Intergovernmental Risk Pools.  The Pool purchases commercial insurance at group  rates for participants in the Pool.  The City has no additional risk or responsibility to  the Pool outside of the payment of insurance premiums.  The City has not  significantly reduced insurance coverage or had settlements which exceeded  coverage amounts for the past three years.    B. Contingent Liabilities    Amounts received or receivable from granting agencies are subject to audit and  adjustment by grantor agencies, principally the federal government.  Any  disallowed claims, including amounts already collected, may constitute a liability of  the applicable funds.  The amounts of expenditures which may be disallowed by the  City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  63  grantor cannot be determined at this time although the City expects such amounts,  if any, to be immaterial.    Liabilities are reported when it is probable that a loss has occurred, and the amount  of the loss can be reasonably estimated.  Liabilities include an amount for claims  that have been incurred but not reported. Claim liabilities are calculated considering  the effects of inflation, recent claim settlement trends, including frequency and  amount of payouts, and other economic and social factors.    The State of Texas’ environmental agency (TCEQ) is pursuing an enforcement  action against the City of Sanger to address wastewater compliance issues related to  the City of Sanger’s discharge permit. Sanger has provided TCEQ with  counterproposal language that seeks credit for the City’s proactive response to  previous wastewater compliance issues, and TCEQ is expected to respond in the  coming months to bring the enforcement matter to a close. The City anticipates  resolution of the enforcement action without significant burden in light of the City’s  ongoing commitment to compliance efforts and its substantial investments to date  to improve and maintain the City’s wastewater infrastructure. The estimated range  of potential liability to the City for related TCEQ penalties is between $0 to $64,500.    C. Construction commitments    The government has active construction projects as of September 30, 2019. The  projects include street construction and improvements, sewer plant and the  construction of additional water lines and repairs.                                   City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  64  At year end the government’s commitments with contractors are as follows:    Project McReynolds Road Reconstruction Pacheco Koch, LLC $ 4,675             McReynolds Road Reconstruction HRM Land Acquisition 397                5,072             Server Consolidation Austin Lane Technology 15,650           FM 455 Relocation of Utilities Dannenbaum Engineering 152,016         Sewer 455/Lois D&S Engineering 4,630             New Sewer Plant Alan Plummer Associates 23,073           New Sewer Plant Felix Construction 524,434         Anixter Inc.285                547,792 Railroad lift station Perkins Engineering 9,332             Railroad lift station Alan Plummer Associates 135,850         145,182 $ 870,342 Remaining  CommitmentVendor Total Project Total Project Total Project Total   D. Arbitrage     The Tax Reform Act of 1986 instituted certain arbitrage consisting of complex  regulations with respect to issuance of tax‐exempt bonds after August 31, 1986.   Arbitrage regulations deal with the investment of tax‐exempt bond proceeds at an  interest yield greater than the interest yield paid to bondholders.  Generally, all  interest paid to bondholders can be retroactively rendered taxable if applicable  rebates are not reported and paid to the Internal Revenue Service at least every five  years for applicable bond issues.  Accordingly, there is the risk that if such  calculations are not performed correctly, a substantial liability to the City could  result.  The City does anticipate that it will have an arbitrage liability and performs  annual calculations to estimate this potential liability.   The City will also engage an  arbitrage consultant to perform the calculations in accordance with Internal  Revenue Service’s rules and regulations if indicated.    City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  65  E. Defined Benefit Pension Plans    1.   Plan Description    The City of Sanger, Texas participates as one of 887 plans in the nontraditional, joint  contributory, hybrid defined benefit pension plan administered by the Texas  Municipal Retirement System (TMRS). TMRS is an agency created by the State of  Texas and administered in accordance with the TMRS Act, Subtitle G, Title 8, Texas  Government Code (the TMRS Act) as an agent multiple‐employer retirement  system for municipal employees in the State of Texas. The TMRS Act places the  general administration and management of the System with a six‐member Board of  Trustees. Although the Governor, with the advice and consent of the Senate,  appoints the Board, TMRS is not fiscally dependent on the State of Texas. TMRS’s  defined benefit pension plan is a tax‐qualified plan under Section 401 (a) of the  Internal Revenue Code. TMRS issues a publicly available comprehensive annual  financial report (CAFR) that can be obtained at www.tmrs.com.    All eligible employees of the city are required to participate in TMRS.    2.  Benefits Provided    TMRS provides retirement, disability, and death benefits. Benefit provisions are  adopted by the governing body of the city, within the options available in the state  statutes governing TMRS.    At retirement, the benefit is calculated as if the sum of the employee’s contributions,  with interest, and the city‐financed monetary credits with interest were used to  purchase an annuity. Members may choose to receive their retirement benefit in one  of seven payments options. Members may also choose to receive a portion of their  benefit as a Partial Lump Sum Distribution in an amount equal to 12, 24, or 36  monthly payments, which cannot exceed 75% of the member’s deposits and  interest.    The plan provisions are adopted by the governing body of the City, within the  options available in the state statutes governing TMRS.               City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  66  Plan provisions for the City were as follows:     Plan Year 2018 Plan Year 2017  Employee deposit rate 6.0% 6.0%  Matching ratio (city to  employee)  2 to 1 2 to 1  Years required for vesting 5 5  Service retirement eligibility  (expressed as age / years of  service)  60/5, 0/20 60/5, 0/20  Updated service credit 100% Repeating Transfers 100% Repeating Transfers  Annuity increase (to retirees) 0% of CPI  0% of CPI     Employees covered by benefit terms    At the December 31, 2018 valuation and measurement date, the following  employees were covered by the benefit terms:    Inactive employees or beneficiaries currently receiving benefits 19  Inactive employees entitled to but not yet receiving benefits 28  Active employees 70  Total 117     3.  Contributions    The contribution rates for employees in TMRS are either 5%, 6%, or 7% of employee  gross earnings, and the city matching percentages are either 100%, 150%, or 200%,  both as adopted by the governing body of the City. Under the state law governing  TMRS, the contribution rate for each city is determined annually by the actuary,  using the Entry Age Normal (EAN) actuarial cost method. The actuarially  determined rate is the estimated amount necessary to finance the cost of benefits  earned by employees during the year, with an additional amount to finance any  unfunded accrued liability.    Employees for the City of Sanger were required to contribute 6% of their annual  gross earnings during the fiscal year. The contribution rates for the City of Sanger  were 7.79% and 7.91% in calendar years 2018 and 2019, respectively. The City’s  contributions to TMRS for the year ended September 30, 2019, were $320,019, and  were equal to the required contributions.      City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  67  4.  Net Pension Liability    The City’s Net Pension Liability (NPL) was measured as of December 31, 2018, and  the Total Pension Liability (TPL) used to calculate the Net Pension Liability was  determined by an actuarial valuation as of that date.    Actuarial assumptions:    The Total Pension Liability in the December 31, 2018 actuarial valuation was  determined using the following actuarial assumptions:    Inflation         2.5% per year  Overall payroll growth      3.0% per year    Investment Rate of Return    6.75%, net of pension plan investment expense,    including inflation        Salary increases were based on a service‐related table. Mortality rates for active  members, retirees, and beneficiaries were based on the gender‐distinct RP2000  Combined Healthy Mortality Tables with Blue Collar Adjustment, with male rates  multiplied by 109% and female rates multiplied by 103%. The rates are projected on  a fully generational basis by scale BB to account for future mortality improvements.  For disabled annuitants, the gender‐distinct RP2000 Combined Healthy Mortality  Tables with Blue Collar Adjustment are used with males rates multiplied by 109%  and female rates multiplied by 103% with a 3‐year set‐forward for both males and  females. In addition, a 3% minimum mortality rate is applied to reflect the  impairment for younger members who become disabled. The rates are projected on  a fully generational basis by scale BB to account for future mortality improvements  subject to the 3% floor.    The actuarial assumptions were developed primarily from the actuarial  investigation of the experience of TMRS over the four year period from December  31, 2010 to December 31, 2014. They were adopted in 2015 and first used in the  December 31, 2015 actuarial valuation. The post‐retirement mortality assumption  for healthy annuitants and Annuity Purchase Rate (APRs) are based on the  Mortality Experience Investigation Study covering 2009 through 2011 and dated  December 31, 2013. In conjunction with these changes first used in the December 31,  2013 valuation, the System adopted the Entry Age Normal actuarial cost method  and a one‐time change to the amortization policy.   City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  68  Plan assets are managed on a total return basis with an emphasis on both capital  appreciation as well as the production of income in order to satisfy the short‐term  and long‐term funding needs of TMRS.     The long‐term expected rate of return on pension plan investments was determined  using a building‐block method in which best estimate ranges of expected future real  rates of return (expected returns, net of pension plan investment expense and  inflation) are developed for each major asset class. These ranges are combined to  produce the long‐term expected rate of return by weighting the expected future real  rates of return by the target asset allocation percentage and by adding expected  inflation. In determining their best estimate of a recommended investment return  assumption under the various alternative asset allocation portfolios, GRS focused  on the area between (1) arithmetic mean (aggressive) without an adjustment for  time (conservative) and (2) the geometric mean (conservative) with an adjustment  for time (aggressive). The target allocation and best estimates of real rates of return  for each major asset class in fiscal year 2019 are summarized in the following table:    Asset Class Target Allocation Long‐Term Expected Real  Rate of Return (Arithmetic)  Domestic Equity 17.5% 4.30%  International Equity 17.5% 6.10%  Core Fixed Income 10.0% 1.00%  Non‐Core Fixed Income 20.0% 3.39%  Real Return 10.0% 3.78%  Real Estate 10.0% 4.44%  Absolute Return 10.0% 3.56%  Private Equity 5.0% 7.75%     Total 100.0%     Discount Rate:    The discount rate used to measure the Total Pension Liability was 6.75%. The  projection of cash flows used to determine the discount rate assumed that employee  and employer contributions will be made at the rates specified in statute. Based on  that assumption, the pension plan’s Fiduciary Net Position was projected to be  available to make all projected future benefit payments of current active and  inactive employees. Therefore, the long‐term expected rate of return on pension  plan investments was applied to all periods of projected benefit payments to  determine the Total Pension Liability.      City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  69  Changes in the Net Pension Liability:    Total Pension  Liability (a) Plan Fiduciary Net  Position (b) Net Pension  Liability (a) – (b) Balance at 12/31/17 $            9,494,473 $                8,819,595 $                       674,878  Changes for the year:    Service Cost                462,521                               ‐                           462,521     Interest (on the Total Pension Liab.)               648,013                               ‐                           648,013     Difference between expected and         actual experience                  93,857                               ‐                             93,857     Contributions – employer                          ‐                       294,606                      (294,606)    Contributions – employee                          ‐                       226,912                       (226,912)    Net investment income                          ‐                      (264,466)                       264,466     Benefit payments, including     refunds of emp. contributions               (251,071)                  (251,071)                                ‐       Administrative expense                          ‐                          (5,106)                           5,106     Other changes                          ‐                             (267)                              267       Net changes                953,320                            608                         952,712  Balance at 12/31/18 $           10,447,793 $                 8,820,203 $                    1,627,590    Sensitivity of the net pension liability to changes in the discount rate    The following presents the net pension liability of the City, calculated using the  discount rate of 6.75%, as well as what the City’s net pension liability would be if it  were calculated using a discount rate that is 1‐percentage‐point lower (5.75%) or 1‐ percentage‐point higher (7.75%) than the current rate:    1% Decrease Current Single Rate 1% Increase 5.75% Assumption 6.75% 7.75%  $3,289,872                          $1,627,590                        $270,354                              Pension Plan Fiduciary Net Position:    Detailed information about the pension plan’s Fiduciary Net Position is available in  a separately‐issued TMRS financial report. That report may be obtained on the  internet at www.tmrs.com.    5.  Pension Expense and Deferred Outflows of Resources Related to Pensions    For the year ended September 30, 2019, the City recognized pension expense of  $477,395.  City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  70  At September 30, 2019, the City reported deferred outflows and deferred inflows of  resources related to pensions from the following sources:    Difference between projected and  investment earnings $ 458,439                             Changes in actuarial assumptions 17,273                              Differences between expected and actual  economic experience 39,763                               Contributions subsequent to the  measurement date 245,004                                Total $ 760,479                            Deferred Outflows of Resources   The City reported $245,004 as deferred outflows of resources related to pensions  resulting from contributions subsequent to the measurement date that will be  recognized as a reduction of the net pension liability for the year ending September  30, 2020.     Other amounts reported as deferred outflows of resources related to pensions will  be recognized in pension expense as follows:    Year ended December 31: 2019 $ 168,074              2020 74,041                2021 74,706                2022 189,075              2023 9,579                  Thereafter ‐                         $ 515,475                F. Postemployment Benefits Other Than Pensions    The City also participates in the cost sharing multiple‐employer defined benefit  group‐term life insurance plan operated by the Texas Municipal Retirement System  (TMRS) known as the Supplemental Death Benefits Fund (SDBF). The City elected,  by ordinance, to provide group‐term life insurance coverage to both current and  retired employees. The City may terminate coverage under and discontinue  participation in the SDBF by adopting an ordinance before November 1 of any year  to be effective the following January 1.   City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  71  The death benefit for active employees provides a lump‐sum payment  approximately equal to the employee’s annual salary (calculated based on the  employee’s actual earnings, for the 12‐month period preceding the month of death);  retired employees are insured for $7,500; this coverage is an “other  postemployment benefit,” or OPEB.    The City contributes to the SDBF at a contractually required rate as determined by  an annual actuarial valuation. The rate is equal to the cost of providing one‐year  term life insurance. The funding policy for the SDBF program is to assure that  adequate resources are available to meet all death benefit payments for the  upcoming year; the intent is not to pre‐fund retiree term life insurance during  employees’ entire careers.     Employees covered by benefit terms    At the December 31, 2018 valuation and measurement date, the following  employees were covered by the benefit terms:    Inactive employees or beneficiaries currently receiving benefits  10  Inactive employees entitled to but not yet receiving benefits  7  Active employees 70  Total 87    The City’s retiree contribution rates to the TMRS SDBF for the years ended 2019,  2018 and 2017 are as follows:    Plan/  Calendar Year  Annual  Required  Contribution  (Rate)  Actual  Contribution  Made  (Rate)  Percentage of  ARC  Contributed  2016 0.01% 0.01% 100.0%  2017 0.01% 0.01% 100.0%  2018 0.01% 0.01% 100.0%    The City’s contributions to the TMRS SDBF for the years ended 2019, 2018, and 2017  were $406, $371 and $355, respectively, which equaled the required contributions  each year.          City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  72  Total OPEB Liability    The City’s Postemployment Benefits Other Than Pensions Liability (OPEB) was  measured as of December 31, 2018, and the Total OPEB Liability was determined by  an actuarial valuation as of that date.    Actuarial assumptions:    The Total OPEB Liability in the December 31, 2018 actuarial valuation was  determined using the following actuarial assumptions:    Inflation             2.5% per year  Overall payroll growth  3.5% to 10.5%, including inflation per  year  Discount rate            3.71%  Retirees’ share of benefit‐related costs    $0  Administrative expenses All administrative expenses are paid  through the Pension Trust and  accounted for under reporting  requirements under GASB Statement  No. 68    Salary increases were based on a service‐related table. Mortality rates for active  members, retirees, and beneficiaries were based on the gender‐distinct RP2000  Combined Healthy Mortality Tables with Blue Collar Adjustment, with male rates  multiplied by 109% and female rates multiplied by 103%. The rates are projected on  a fully generational basis by scale BB to account for future mortality improvements.  For disabled annuitants, the gender‐distinct RP2000 Combined Healthy Mortality  Tables with Blue Collar Adjustment are used with males rates multiplied by 109%  and female rates multiplied by 103% with a 3‐year set‐forward for both males and  females. In addition, a 3% minimum mortality rate is applied to reflect the  impairment for younger members who become disabled. The rates are projected on  a fully generational basis by scale BB to account for future mortality improvements  subject to the 3% floor.    Discount Rate:    The discount rate used to measure the Total OPEB Liability was 3.71%. The  discount rate was based on the Fidelity Index’s “20‐Year Municipal GO AA Index”  rate as of December 31, 2018.    City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  73  Sensitivity of the Total OPEB Liability to Changes in the Discount Rate    The following presents the total OPEB liability of the City, calculated using the  discount rate of 3.71%, as well as what the City’s total OPEB liability (asset) would  be if it were calculated using a discount rate that is 1‐percentage‐point lower  (2.71%) or 1‐percentage‐point higher (4.71%) than the current rate:    $123,820                    $102,299                       $ 85,333            1% Decrease (2.71%) Current Single Rate Assumption 3.71%  1% Increase (4.71%)     Changes in the Total OPEB Liability:    Total OPEB  Liability Balance at 12/31/17 $                      107,167  Changes  for the year:    Service Cost                            9,076     Interest                            3,691     Change in benefit terms                                  ‐       Difference between expected and         actual experience                          (9,264)    Changes  of  assumptions                          (7,993)    Benefit  payments                             (378)      Net  changes                          (4,868) Balance at 12/31/18 $                      102,299      Pension Expense and Deferred Outflows of Resources and Deferred Inflows of   Resources Related to Pensions    For the year ended September 30, 2019, the City recognized OPEB expense of  $11,691.                City of Sanger, Texas  NOTES TO FINANCIAL STATEMENTS, Continued  September 30, 2019  74  At September 30, 2019, the City reported deferred outflows of resources and  deferred inflows of resources related to the OPEB liability from the following  sources:    Differences between expected and   actual economic experience $                                 ‐                              (8,037) Changes in assumptions                                  ‐                                   (70) Contributions subsequent to                                  ‐    measurement date                               310                                   ‐    Total $                              310 $                          (8,107) Deferred Outflows of Resources Deferred Inflows of Resources     The City reported $310 as deferred outflows of resources related to pensions  resulting from contributions subsequent to the measurement date that will be  recognized as a reduction of the net pension liability for the year ending September  30, 2020.     Other amounts reported as deferred outflows of resources related to pensions will  be recognized in pension expense as follows:    Year ended December 31: 2019 $ (1,076)              2020 (1,076)              2021 (1,076)              2022 (1,076)              2023 (1,076)              Thereafter (2,727)              $ (8,107)                  G. Subsequent Events    There were no material subsequent events through January 2, 2020, the date the  financial statements were available to be issued.          REQUIRED SUPPLEMENTARY INFORMATION 75 Revenues Property tax $ 3,631,116 $ 3,631,116 $ 3,752,626 $ 121,510        Sales tax 905,000 905,000 914,748     9,748            Franchise and local taxes 235,000 235,000 283,573     48,573          License and permits 363,070 363,070 285,699     (77,371)         Charges for services 961,516 961,516 1,006,447 44,931          Fire and rescue 776,877 776,877 662,905 (113,972)       Contributions and donations ‐                    ‐                   1,019         1,019            Intergovernmental ‐                    ‐                   122,962     122,962        Fines and forfeitures 112,000 112,000 80,325       (31,675)         Investment income 4,000 4,000 11,441       7,441            Other revenue 77,500 77,500 410,313     332,813        7,066,079    7,066,079    7,532,058 465,979        Expenditures Current: General government 1,193,472 1,193,472 1,677,483 (484,011)       Police department 1,516,658 1,516,658 1,509,652 7,006            Municipal court 199,095 199,095 180,179     18,916          Fire and EMS 1,496,017 1,496,017 1,032,738 463,279        Parks and recreation 631,058 621,664 534,881     86,783          Public works 1,048,005 1,048,005 888,382     159,623        Debt service: Principal 117,890 117,890 117,936     (46)                Interest 11,463 11,463 11,417       46                 Capital outlay 324,222 333,616 228,024     105,592        6,537,880    6,537,880    6,180,692 357,188        Revenues Over (Under) Expenditures $ 528,199       $ 528,199       $ 1,351,366 $ 823,167         Final Budget Total Expenditures Actual Final Budget Total Revenues Variance with City of Sanger, Texas SCHEDULE OF REVENUES, EXPENDITURES, AND CHANGES IN FUND BALANCE ‐ BUDGET AND ACTUAL‐ GENERAL FUND (Page 1 of 2) For the Year Ended September 30, 2019 Original  Budget 76 Transfers in $ 831,020       $ 831,020 $ 810,527     $ (20,493)         Transfers (out)(1,284,320)   (1,284,320)   (675,000)    609,320        Insurance recoveries ‐                   ‐                   22,149 22,149 (453,300) (453,300) 157,676     610,976 Net Change in Fund Balance $ 74,899         $ 74,899         1,509,042 $ 1,434,143     Beginning fund balance 4,928,737 $ 6,437,779   Notes to Required Supplementary Information  1. Annual budgets are adopted on a basis consistent with generally accepted accounting principles (GAAP). Ending Fund Balance Total Other Financing Sources (Uses) Other Financing Sources (Uses) City of Sanger, Texas SCHEDULE OF REVENUES, EXPENDITURES, AND CHANGES Variance with Actual Final Budget IN FUND BALANCE ‐ BUDGET AND ACTUAL‐ GENERAL FUND (Page 2 of 2) For the Year Ended September 30, 2019 Final Budget Original  Budget 77 Total pension liability Service cost $ 462,521    $ 438,324  $ 408,943     $ 369,950     Interest (on the Total Pension Liability)648,013    590,632  545,333     521,853     Changes in benefit terms ‐                ‐              ‐                ‐                Differences between expected and actual  experience 93,857        38,794      (78,516)      (89,808)        Changes of assumptions ‐                ‐              ‐                47,847       Benefit payments, including refunds of  participant contributions (251,071)     (208,451)   (230,245)    (260,514)      Net change in total pension liability 953,320    859,299  645,515     589,328     Total pension liability ‐ beginning 9,494,473 8,635,174 7,989,659 7,400,331  Total pension liability ‐ ending (a)$ 10,447,793 $ 9,494,473 $ 8,635,174   $ 7,989,659    Plan fiduciary net position Contributions ‐ employer $ 294,606    $ 276,169  $ 240,177     $ 231,097     Contributions ‐ members 226,912    217,171  202,113     195,568     Net investment income (264,466)   1,040,205 461,955     9,831         Benefit payments, including refunds of  participant contributions (251,071)     (208,451)   (230,245)    (260,514)      Administrative expenses (5,106)       (5,387)     (5,214)       (5,988)        Other (267)          (273)        (281)          (296)           Net change in plan fiduciary net position 608           1,319,434 668,505     169,698     Plan fiduciary net position ‐ beginning 8,819,595 7,500,161 6,831,656 6,661,957  Plan fiduciary net position ‐ ending (b)$ 8,820,203 $ 8,819,595 $ 7,500,161 $ 6,831,655  Fundʹs net pension liability ‐ ending (a) ‐ (b)$ 1,627,590 $ 674,878  $ 1,135,013 $ 1,158,004  84.42% 92.89% 86.86% 85.51% Covered payroll $ 3,781,589 $ 3,619,524 $ 3,368,554 $ 3,259,471  43.04%18.65%33.69% 35.53% Notes to schedule: 1) This schedule is presented to illustrate the requirement to show information for ten years.  However, until a  full ten‐year trend is compiled, only available information is shown. 2015 Plan fiduciary net position as a percentage  of the total pension liability Fundʹs net position as a percentage of  covered payroll 2018 20162017 City of Sanger, Texas SCHEDULE OF CHANGES IN NET PENSION LIABILITY AND RELATED RATIOS Years ended December 31, 78 1 $ 340,004          476,571          ‐                     47,610            ‐                     (204,026)        660,159          6,740,172       $ 7,400,331       $ 211,283          187,821          350,203          (204,026)        (3,656)            (301)               541,324          6,120,633       $ 6,661,957       $ 738,374          90.02% $ 3,130,346       23.59% 2014 79 9/30/2019 9/30/2018 9/30/2017 9/30/2016 $ 320,019 $ 287,348 $ 266,753 $ 247,432 $ 320,019       $ 287,348       $ 266,753      $ 247,432          Contribution deficiency (excess) $‐                 $‐                 $‐                 $‐                     Annual covered payroll $ 4,060,365 $ 3,706,912 $ 3,549,724 $ 3,475,512 7.88%7.75% 7.51% 7.12% Valuation Date: Notes Actuarially determined contribution rates are  calculated as of December 31 and become  effective in January 13 months later. Methods and Assumptions Used to Determine Contribution Rates: Actuarial Cost Method Entry Age Normal Amortization Method Level Percentage of Payroll, Closed Remaining Amortization Period 25 years Asset Valuation Method 10 Year smoothed market; 15% soft corridor Inflation 2.5% Salary Increases 3.0% to 10.5% including inflation Investment Rate of Return 6.75% Retirement Age Experience‐based table of rates that are specific to the Cityʹs plan of benefits. Last updated for the 2015 valuation pursuant to an experience study of the period 2010 ‐ 2014 Mortality RP2000 Combined Mortality Table with Blue Collar  Adjustment with male rates multiplied by 109%  and female rates multiplied by 103% and projected  on a fully generational basis with scale BB Other Information: Notes There were no benefit changes during the year. City of Sanger, Texas SCHEDULE OF EMPLOYER CONTRIBUTIONS TO PENSION PLAN Years Ended: 1) This schedule is presented to illustrate the requirement to show information for ten years.  However, until  a full ten‐year trend is compiled, only available information is shown. NOTES TO SCHEDULE OF EMPLOYER CONTRIBUTIONS TO PENSION PLAN Contributions in relation to the  actuarially    determined contribution Employer contributions as a percentage  of covered payroll Actuarially determined employer  contributions 80 9/30/2015 1 $ 225,111 $ 225,111       $‐                   $ 3,130,346 7.19% 81 1 Total OPEB liability Service cost $ 9,076           $ 7,601              Interest (on the Total Pension Liability)3,691           3,432              Changes in benefit terms ‐                    ‐                     Differences between expected and actual experience (9,264)          ‐                     Changes of assumptions (7,993)          9,310              Benefit payments, including refunds of participant contributions (377)               (363)                Net changes (4,867)          19,980            Total OPEB liability ‐ beginning 107,166       87,186            Total OPEB liability ‐ ending (a)$ 102,299         $107,166          2 Covered payroll $ 3,781,859    $ 3,619,524        2.70% 2.96% Notes to schedule: 1 2 PENSION (OPEB) LIABILITY AND RELATED RATIOS TEXAS MUNICIPAL RETIREMENT SYSTEM 20172018 City of Sanger, Texas SCHEDULE OF CHANGES IN POSTEMPLOYMENT BENEFITS OTHER THAN  This schedule is presented to illustrate the requirement to show information for ten years.  However,  until a full ten‐year trend is compiled, only available information is shown. Total OPEB Liability as a percentage of covered payroll Years ended December 31, No assets are accumulated in a trust that meets the criteria in paragraph 4 of GASB statement No. 75 to  pay related benefits. 82 OTHER SUPPLEMENTARY INFORMATION 83 Operating Revenues Charges for services $ 2,067,382     $ 1,973,358    $ 7,784,223    $‐                    Connection fees ‐                   ‐                  62,510         ‐                    Tap fees 210,050        284,500       ‐                   ‐                    Other revenue ‐                   ‐                  ‐                   ‐                    2,277,432     2,257,858    7,846,733    ‐                    Operating Expenses Salaries and wages 647,152        317,640       1,112,566    ‐                    Contracted services 35,268          26,333         259,723       ‐                    Utilities 153,118        148,495       2,344            ‐                    Materials and supplies 33,719          50,096         67,536         ‐                    Water and electric purchases 68,276          ‐                  5,419,077    ‐                    Repairs and maintenance 211,988        141,737       202,327       ‐                    Depreciation 380,564        382,003       224,359       66                  1,530,085     1,066,304    7,287,932    66                  747,347        1,191,554    558,801       (66)                Nonoperating Revenues (Expenses) Investment income ‐                    ‐                   ‐                    ‐                    Interest expense ‐                    ‐                   ‐                    ‐                    ‐                    ‐                   ‐                    ‐                    Income Before Transfers 747,347        1,191,554    558,801       (66)                Transfers (out)‐                    ‐                  (65,556)         ‐                    $ 747,347        $ 1,191,554    $ 493,245       $ (66)                Water Total Operating Revenues Total Operating Expenses Operating Income (loss) Nonoperating Revenues (Expenses) Change in Net Position City of Sanger, Texas COMBINING SCHEDULE OF REVENUES, EXPENSES, AND CHANGES IN FUND NET  POSITION PROPRIETARY FUNDS ‐ BY DEPARTMENT For the Year Ended September 30, 2019 Sewer Electric Fleet Services 84 $‐                      $ 11,824,963     ‐                      62,510            ‐                      494,550          212,551           212,551          212,551           12,594,574     ‐                      2,077,358       ‐                      321,324          ‐                      303,957          ‐                      151,351          ‐                      5,487,353       ‐                      556,052          14,263             1,001,255       14,263             9,898,650       198,288           2,695,924       169,808           169,808          (681,277)         (681,277)         (511,469)         (511,469)         (313,181)         2,184,455       (615,619)         (681,175)         $ (928,800)         $ 1,503,280       Administration Total 85 (This page intentionally left blank.) 86