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HomeMy WebLinkAbout2016 CAFR Executive SummaryCITY OF SOUTH BEND CITY OF SOUTH BEND, INDIANA Pete Buttigieg, Mayor John Murphy, City Controller Jennifer Hockenhull, Deputy City Controller REPORT PREPARED BY THE CITY OF SOUTH BEND DEPARTMENT OF ADMINISTRATION AND FINANCE COMPREHENSIVE ANNUAL FINANCIAL REPORT FISCAL YEAR ENDING ON DECEMBER 31, 2016 EXECUTIVE SUMMARY This Page Intentionally Left Blank City of South Bend, Indiana Comprehensive Annual Financial Report – Executive Summary For The Year Ending December 31, 2016 Table of Contents Purpose & Summaries Purpose of the Executive Summary .......................................................................................... 1 Quick Facts about South Bend .................................................................................................. 2 Charts and Graphs .............................................................................................................. 3–10 Introduction Transmittal Letter ................................................................................ ……..………………11–20 Independent Auditor's Report on Financial Statements .................................................... 21–23 Management’s Discussion and Analysis ........................................................................... 24–48 Government-Wide Financial Statements: Statement of Net Position .................................................................................................. 49–50 Statement of Activities ....................................................................................................... 51–52 Fund Financial Statements: Balance Sheet – Governmental Funds ............................................................................. 53–54 Statement of Revenues, Expenditures and Changes in Fund Balances – Governmental Funds ................................................................................ 55–56 Statement of Net Position – Proprietary Funds ................................................................. 57–58 Statement of Revenues, Expenses and Changes in Net Position – Proprietary Funds ...................................................................................... 59 Statement of Fiduciary Net Position – Fiduciary Funds .......................................................... 60 Statement of Changes in Fiduciary Net Position – Fiduciary Funds ....................................... 61 Financial Trends Net Position by Component – Last Ten Years ........................................................................ 62 Changes in Net Position – Last Ten Years ....................................................................... 63–65 Fund Balances, Governmental Funds – Last Ten Years ........................................................ 66 Changes in Fund Balances, Governmental Funds – Last Ten Years ..................................... 67 Revenue Capacity Property Tax Levies and Collections – Last Ten Years .......................................................... 68 Direct and Overlapping Property Tax Rates – Last Ten Years ............................................... 69 Assessed Value and Actual Value of Taxable Property – Last Ten Years ............................. 70 Property Tax Collections - Cash Basis – 2007 to 2016 ........................................................... 71 Assessed Value of Taxable Property – Last Ten Years .......................................................... 72 Debt Capacity Computation of Legal Debt Margin – December 31, 2016 ...................................................... 73 Ratios of Outstanding Debt by Type – Last Ten Years ........................................................... 74 Computation of Direct and Overlapping Debt – December 31, 2016 ...................................... 75 Demographic and Economic Information Demographic Statistics – Last Ten Years .......................................................................... 76-77 Operating and Other Information Full-Time City Government Employees by Department – Last Ten Years ........................ 78-79 Grant Compliance Schedule of Expenditures of Federal Awards ......................................................................... 80 City of South Bend, Indiana 2016 CAFR Executive Summary Purpose of the Executive Summary The City of South Bend has prepared a Comprehensive Annual Financial Report (CAFR) for the year ending December 31, 2016. The 2016 CAFR totals 292 pages and meets all of the requirements set forth by the Government Finance Officers Association for its Certificate of Achievement for Excellence in Financial Reporting program. If the award is received for 2016, this will be the twenty-seventh consecutive year that the City of South Bend has received this prestigious award. The purpose of this Executive Summary is to present the most essential schedules and summaries from the 2016 CAFR, as determined by the City, to allow more ready access to them by the reader. The schedules and summaries are presented in their original format and the order of presentation is the same as in the full 2016 CAFR. In addition, the CAFR Executive Summary includes summary charts and graphs not featured in the 2016 CAFR. The Executive Summary totals 80 pages. The full 2016 CAFR is available at: www.southbendin.gov/2016_CAFR The 2016 CAFR Executive Summary is available at: www.southbendin.gov/2016_CAFR or by contacting: John H. Murphy, CFO City of South Bend 227 W. Jefferson Blvd., Suite 1200 South Bend, IN 46601 (574) 235-7678 jmurphy@southbendin.gov Jennifer Hockenhull, Controller City of South Bend 227 W. Jefferson Blvd., Suite 1200 South Bend, IN 46601 (574) 235-9822 jhockenh@southbendin.gov On the cover: View overlooking the Century Center and the East Race during the SB150 Celebration. 1 Quick Facts about South Bend Year of Incorporation ............................................................................................................ 1865 Mayor ..................................................................................................................... Pete Buttigieg Number of Council Members ...................................................................................................... 9 Population (2010 census) ................................................................................................. 101,168 Full-time Employees (12/31/16) ........................................................................................... 1,079 2016 Governmental Activities Expenses ............................................................... $ 134,519,353 2016 Business-type Activities Expenses ................................................................. $ 64,067,328 2016 Government-Wide Expenses ......................................................................... $ 198,586,681 Net Position (12/31/16) ........................................................................................... $ 365,293,129 Largest Employers ............................................................................. University of Notre Dame (5,802 employees) .................................................................................................................. Beacon Health System (4,683 employees) Gross Assessed Property Tax Value ................................................................... $ 4,886,942,370 Local Colleges:  The University of Notre Dame  Indiana University - South Bend  Bethel College  Saint Mary’s College  Holy Cross College  Trine University - South Bend  Ivy Tech Community College - South Bend Attractions:  Morris Performing Arts Center  Century Center  South Bend Cubs  East Race Waterway  Potawatomi Zoo  Palais Royale  Erskine Golf Course 2 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016Total Governmental Activities Net Position253,155,810 246,041,948 274,186,457 292,151,758 287,891,667 282,822,829 289,554,049 158,417,249 140,859,895 162,682,638Total Business Type Activities Net Position136,261,490 142,545,786 146,280,120 154,691,254 162,134,622 169,411,367 170,680,174 185,698,840 194,811,413 202,610,491Total Primary Government Net Position389,417,300$ 388,587,734$ 420,466,577$ 446,843,012$ 450,026,289$ 452,234,196$ 460,234,223$ 344,116,089$ 335,671,308$ 365,293,129$ Business Type Activities include departments that charge a user fee for services like the water utility, wastewater department and sanitation.Note: 2014 and 2015 have been restated for implementation of GASB statement No. 68 on pension reporting.Governmental Activities include General Government, Police Services, Fire Protection, Street Maintenance, and Parks that are supported by property tax revenue, local income tax revenue and other revenue.City of South Bend, IndianaNet Position by ComponentLast Ten Fiscal Years $0$100,000,000$200,000,000$300,000,000$400,000,000$500,000,0003 Total Revenue228,208,502$ City of South Bend, IndianaGovernment-Wide RevenueFiscal Year 2016GovernmentalActivities$152,661,080 67%Business TypeActivities$75,547,422 33%Charges for Services$75,470,222Other Revenue$77,200Property Tax$76,331,581Other Tax$31,463,184Unrestricted Grants$25,846,397Charges for Services$8,171,317Other Revenue$6,745,542Operating Grants$2,644,272Investment Earnings$1,458,7874 Total Expenses198,586,681$ City of South Bend, IndianaGovernment-Wide ExpensesFiscal Year 2016GovernmentalActivities$134,519,353 68%Business TypeActivities$64,067,328 32%Waste Water Utility$26,420,526Water Utility$14,900,039Emergency Medical Services$7,437,349Solid Waste$5,794,913Century Center$5,364,472Building Department$3,240,172Parking$909,857Public Safety$55,029,909Economic Development$28,436,368Culture & Recreation$17,156,094General Government$15,618,817Highways & Streets$13,550,535Interest on Long-Term Debt$4,727,6305 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016Total Governmental Activities Expenses124,932,023 135,039,863 104,113,362 134,015,143 154,902,096 146,481,687 152,746,550 139,909,059 164,310,194 134,519,353Total Business Type Activities Expenses43,266,850 48,780,128 51,623,898 45,486,515 46,323,473 48,559,092 54,949,283 55,879,605 61,899,676 64,067,328Total Primary Government Expenses168,198,873$ 183,819,991$ 155,737,260$ 179,501,658$ 201,225,569$ 195,040,779$ 207,695,833$ 195,788,664$ 226,209,870$ 198,586,681$ Note: 2015 Governmental Activities Expense includes adjustments for GASB statement No. 68 on pensions.City of South Bend, IndianaGovernment-Wide ExpensesLast Ten Fiscal Years $0$50,000,000$100,000,000$150,000,000$200,000,000$250,000,0006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016General Fund23,760,753 27,416,584 24,618,455 28,737,142 27,931,216 28,795,083 27,668,913 27,587,405 30,622,056 33,952,622Other Governmental Funds128,671,603 179,839,300 171,431,958 179,464,574 168,302,860 158,137,059 169,516,402 163,448,514 170,204,680 157,788,598Total Govermental Funds Net Position122,001,560$ 139,890,912$ 152,432,356$ 207,255,884$ 196,050,413$ 208,201,716$ 196,234,076$ 191,035,919$ 200,826,736$ 191,741,220$ Fund Balances, Governmental FundsCity of South Bend, IndianaLast Ten Fiscal Years $0$50,000,000$100,000,000$150,000,000$200,000,000$250,000,0007 Property Taxes$ 75,724,582 49.6%Public Safety$64,350,28137.6%Intergovernmental 27,959,813 18.3%Capital Outlay 27,056,29515.8%Economic Develop. Income Tax 9,594,602 6.3%Economic Development 20,894,15312.2%County Option Income Tax 9,454,023 6.2%Debt Service 17,998,34810.5%Other Revenue 7,179,959 4.7%General Government 16,311,6339.5%Charge for Services 7,062,108 4.6%Culture & Recreation 13,070,6067.7%Public Safety Local Option Income Tax 6,791,160 4.4%Highways & Streets 11,294,7686.7%Special Local Income Tax 5,623,399 3.7%Total Expenditures$170,976,084100.0%Interest Income 1,624,527 1.2%Fines and Forfeitures 756,781 0.5%Professional Sports Develop. Tax 673,787 0.4%Licenses and Permits 224,677 0.1%Total Revenue$ 152,669,418 100.0%Governmental Funds Expenditures 2016Governmental Funds Revenue 2016Property Taxes 49.6%Intergovernmental 18.3%Economic Develop. Income Tax 6.3%County Option Income Tax 6.2%Other Revenue 4.7%Charge for Services 4.6%Public Safety Local Option Income Tax 4.4%Special Local Income Tax 3.7%Interest Income 1.2%Fines and Forfeitures 0.5%Licenses and Permits 0.1%Public Safety 37.6%Capital Outlay 15.8%Economic Development 12.2%Debt Service 10.5%General Government 9.5%Culture & Recreation 7.7%Highways & Streets 6.7%8 City of South Bend, IndianaGovernmental Funds Revenues and ExpendituresLast Ten Fiscal Years 2007200820092010201120122013201420152016Revenues137,826,642 139,717,856 130,932,134 158,342,276 152,877,172 147,379,084 151,152,474 144,489,791 142,719,826 152,669,418 Expenditures128,209,220 138,022,795 142,962,710 150,758,014 172,397,679 162,460,000 152,860,750 154,300,097 172,658,733 170,976,084 Does not include Other Financing Sources/Uses. Spending on one-time capital items may result in expenditures exceeding revenue during the year.Notes: $100,000,000 $110,000,000 $120,000,000 $130,000,000 $140,000,000 $150,000,000 $160,000,000 $170,000,000 $180,000,00020072008200920102011201220132014201520169 Department Full-Time Positions Administration and Finance / IT 26 Engineering 18 Legal Department 11 Common Council (elected officials, part-time) 9 Mayor's Office 6 311 Call Center 7 Human Rights 6 City Clerk's Office 5 Safety and Risk 2 Police Department 290 Fire Department 268 Parks and Recreation 89 Morris PAC/Palais Royale 12 Economic Development Department of Community Investment 23 Highways and Streets Street Department 59 Water Works 65 Wastewater 44 Sewer 31 Code Enforcement / Animal Care & Control 26 Solid Waste 25 Building Department 14 Organic Resources 6 Internal Service Fund Central Services 37 1,079Total FTE as of December 31, 2016 Enterprise Funds City of South Bend, Indiana Full-Time City Employees by Category as of December 31, 2016 General Government Public Safety Culture and Recreation Public Safety 52% Enterprise Funds 20% Culture & Recreation 9% General Government 8% Highways & Streets 6% Internal Service Fund 3% Economic Development 2% 1,116 1,132 1,133 1,122 1,131 1,098 1,060 1,079 1,050 1,070 1,090 1,110 1,130 1,150 2009 2010 2011 2012 2013 2014 2015 2016 Total Full-Time Positions Trends 10 CITY OF SOUTH BEND PETE BUTTIGIEG, MAYOR DEPARTMENT OF ADMINISTRATION AND FINANCE June 30, 2017 The Honorable Pete Buttigieg, Mayor of the City of South Bend Members of the City of South Bend Common Council Residents of the City of South Bend: The comprehensive annual financial report of the City of South Bend, Indiana (the "City") for the year ended December 31, 2016 is hereby submitted. Responsibility for both the accuracy of the data and the completeness and fairness of the presentation, including all disclosures, rests with management. To the best of our knowledge and belief, the enclosed data is accurate in all material respects and is reported in a manner designed to present fairly the financial position and results of operations of the various funds of the City. All disclosures necessary to enable the reader to gain an understanding of the government’s financial activities are included. Generally Accepted Accounting Principles (GAAP) requires that management provide a narrative introduction, overview and analysis to accompany the basic financial statements in the form of the Management’s Discussion and Analysis (MD&A). This letter of transmittal is designed to complement the MD&A and should be read in conjunction with it. The City of South Bend’s MD&A can be found immediately following the independent auditors’ report. The Comprehensive Annual Financial Report is presented in four sections: introductory information, financial information, statistical information and federal compliance information. The introductory section includes this transmittal letter, the City’s organizational chart, a list of principal City officials and the Certificate of Achievement for Excellence in Financial Reporting awarded to the City of South Bend for the year ending December 31, 2015. The financial section begins with the independent auditors’ report on the City’s financial statements and schedules, the City managements’ discussion and analysis report, followed by the City’s basic financial statements and accompanying notes. The remaining portion of this section includes the combining and individual fund and other financial statements and schedules. The statistical section includes selected financial and demographic information generally presented on a multi-year basis, which has been provided to give the reader a broader understanding of the City. The federal awards compliance section, which includes the results of the supplemental audit of the City’s federal awards and the internal controls necessary for compliance, is included in a separate report. The City is required to undergo an annual single audit in conformity with the provisions of the U.S. Office of Management and Budget Circular A-133, Audits of States, Local Governments and Non-Profit Organizations, the provisions of Indiana Code section 5-11-1-9 and the requirements of the Indiana State Board of Accounts. Information related to the single audit, including the schedule of federal financial assistance, findings and recommendations, and the auditors’ reports on the internal control structure and compliance with applicable laws and regulations, is included in a separate report. 11 The following pages of this transmittal letter begin with a general overview of South Bend and the surrounding area. Also summarized are the key financial, budgetary and property tax controls with which the City is required to comply. The remainder includes a discussion of the prior year’s financial challenges and accomplishments, the City’s goals and objectives for this year and beyond and other key issues the City is facing along with the impact they may have on current and future budgets. GENERAL INFORMATION The City of South Bend is the county seat of St. Joseph County, Indiana, and is the fourth largest city in the state. The City of South Bend’s 2010 U.S. Bureau of the Census population was 101,168. Accordingly, South Bend is classified as a “City of the Second Class” under Indiana statutes (cities with a population of 35,000 to 250,000). Population estimates in 2016 suggest that the city experienced its largest one-year increase in nearly a quarter-century, pointing the way to further growth before the 2020 census. The City of South Bend operates with a mayor as chief executive and a nine-member City Common Council composed of six members elected from districts and three members elected at-large. The City of South Bend has a bond rating of AA with Standards & Poors, one of the highest bond ratings for any city in the State of Indiana. The City provides a full range of traditional general governmental services to its residents. These services include police and fire protection; sanitation services; the construction and maintenance of highways, streets and infrastructure; recreational activities and cultural events. In addition to general governmental activities, the City exercises oversight over the South Bend Water Works, the South Bend Wastewater Treatment Facility, the Century Center Convention Center, the Morris Performing Arts Center, the Studebaker National Museum, the City of South Bend Redevelopment Commission and Authority, and several downtown parking facilities. Location St. Joseph County lies within the heartland of the manufacturing belt and metropolitan regions of the Upper Midwest and Canada. The City of South Bend is located in the north central part of Indiana, ten miles south of the Michigan state line, and is commonly known to be within the South Bend/Elkhart region. The region is a vibrant and diverse area with a strong economy based on a mix of health care, agricultural, service, manufacturing, education and other commercial and tourism industries. This diverse economic mix creates varied employment opportunities for the area’s residents while providing insulation via diversification from future economic downturns. The city is approximately 90 miles east of Chicago and 140 miles north of Indianapolis. Accessibility to transportation, including Interstate 80/90, an international airport (which is the second busiest in the State of Indiana) and the South Shore Line has supported economic growth within the community. Proximity to Chicago, the largest rail and intermodal (rail/truck/ocean/inland waterway) transfer point in the country, is a significant advantage to the City of South Bend as is proximity to the University of Notre Dame with its scenic campus located adjacent to the city limits. In 2017, the City of South Bend announced plans to partner with the Federal, State and other local governments to reduce the South Shore Line travel time to downtown Chicago to 90 minutes or less by the year 2020. When completed, this project will be transformative to the local economy. 12 St. Joseph County / South Bend - Economic Conditions and Outlook St. Joseph County, with its 2010 U.S. Bureau of the Census population of 266,931, boasts a strong history of manufacturing which continues today. The service industry and retail trade have also flourished, creating a balance that serves the community well. The County experienced a net growth in population of 28,317 (11.8% increase) between 1960 and 2010. After experiencing a reduction of 2.6% during 1969 to 1983, at which time the entire Midwest was at the depth of its economic restructuring and recess, the County’s population increased 4.0% between 1983 and 1990 and another 7.5% between 1990 and 2000. The population of St. Joseph County has remained fairly flat during the past decade increasing by only 1,372 residents from 2000 to 2010. The estimated labor force in St. Joseph County is 130,912 workers (2015, STATS Indiana, using data from the Indiana Department of Workforce Development). The workers are typical of the Midwest: well-trained with a strong work ethic. Approximately 88.4% of the area’s adult population are high school graduates or higher (as compared to the national average of 75%) with an estimated 27.2% with a Bachelor’s Degree or higher. There are ten colleges, universities and technical schools within South Bend and the surrounding area including the University of Notre Dame; Indiana University South Bend; Bethel College; Saint Mary’s College; Purdue University College of Technology at South Bend; Holy Cross College; Trine University South Bend; American National University; ITT Technical Institute; and Ivy Tech Community College. As of November 2016, St. Joseph County is experiencing an unemployment rate of 4.2%, which is slightly higher than the State of Indiana unemployment rate of 3.9%. The unemployment rate in St. Joseph County is somewhat similar than some of its surrounding counties—Elkhart (3.3%), LaPorte (5.1%), and Marshall (3.3%) in Indiana and Cass (4.3%) and Berrien (4.4%) in Michigan (as of November 2016). The employment profile for St. Joseph County provides a good overview of the economic make- up of this community. Employment estimates for the County’s major economic sectors are as follows (US Census Bureau 2011-2015 American Community Survey 5-Year Estimates Civilian Employed Population): Economic Sector Number Employed % of Total Educational Services, Healthcare, Social Assistance 34,474 28.0% Manufacturing 21,440 17.4% Retail Trade 13,845 11.2% Arts, Entertainment, Recreation, Accommodation, 11,135 9.0% Food Services Professional, Scientific, Management, Administrative, 10,216 8.3% Waste Management Services Finance and Insurance, Real Estate, Rentals, Leasing 6,412 5.2% Construction 5,732 4.7% Other Services, except Public Administration 5,533 4.5% Transportation and Warehousing, and Utilities 4,702 3.8% Public Administration 3,503 2.9% Wholesale Trade 3,444 2.8% Information 2,210 1.8% Agriculture, Forestry, Fishing, Hunting, Mining 524 0.4% Total 123,170 100.0% 13 St. Joseph County presently has an estimated 102,005 households with an average per capita personal income of $43,040, which compares to the State of Indiana average per capita personal income of $41,940 and the United States per capita personal income of $56,430. The per capita income in St. Joseph County compares favorably with most of its surrounding counties—Elkhart ($39,882), La Porte ($37,827), and Marshall ($36,958) in Indiana and Cass ($19,474) and Berrien ($24,304) in Michigan. Health and education lead the employment statistics for St. Joseph County. The largest employers in St. Joseph County as of August 2015 were as follows: University of Notre Dame (5,802); Beacon Health Systems (4,683); South Bend Community School Corporation (3,615); St. Joseph Health Systems (2,626); Indiana University – South Bend (1,277); City of South Bend (1,139); St. Joseph County (1,068); AM General (800); Honeywell Aerospace (700); and Press Ganey (694). The following provides a profile of the residents of St. Joseph County (US Census Bureau 2011-2015 American Community Survey 5-Year): Gender %, male/female: 48.4% male; 51.6% female Age: 24.1% under 19 11.2% 19-24 years of age 24.8% 25-44 years of age 25.9% 45-64 years of age 14.0% 65 years of age and older Race: 74.4% White 12.8% Black/African American 8.0% Hispanic/Latino 2.0% Asian 2.8% Other Home Ownership: 68.5% own; 31.5% rent/other The cost of living continues to be one of the greatest advantages of living in this community. The housing costs in South Bend are well below the national and regional averages. Per a report compiled by the National Association of Realtors in the third quarter of 2016, the median sales price for a single family home in the South Bend-Mishawaka Statistical Area was $128,500 as compared to a median sales price of $244,100 in Chicago and $164,100 in Indianapolis. The national median sales price is $240,900. Between January 2015 and June 2016 the City of South Bend has seen approximately $192,148,376 in private investment and the announcement of roughly 939 jobs. By providing state of the art innovative infrastructure and, in some cases, offering targeted assistance the City can stimulate private investment, creating business opportunities and jobs. The City has had many significant economic development projects to include new downtown residential housing, mixed use developments, downtown hotels, and high tech industrial projects. A highlight of 2016 is the implementation of the Smart Streets project with downtown streets undergoing construction. City investments like these encourage new start-up businesses, strengthen existing business, attract new jobs, increase assessed value and emphasize direct investment in hard-to-develop areas. Efforts have been and will continue to focus on implementing the comprehensive plans for our neighborhood and downtown areas. 14 The South Bend Community School Corporation serves the entire City and some of the surrounding area and has a current enrollment of approximately 18,680 students in grades pre- kindergarten through 12. An estimated 5,367 students attend private or parochial schools within the City. The ten institutions of higher education and technical training located within the South Bend area have a total enrollment of approximately 31,000. Over the years, the University of Notre Dame has provided a stabilizing influence on the economy with a very significant positive economic impact upon the community. South Bend History and Amenities In 1820, Pierre Navarre of the American Fur Trading Company was the first settler in the area to become later known as South Bend. South Bend has continued to progress in its growth since 1842 when Father Edward Sorin named his rustic log chapel “Notre Dame du Lac” and began to teach the local Indians. Today the chapel has grown into the University of Notre Dame. In 1852, H.C. Studebaker started the industry of making wagons and horse-drawn buggies that evolved into the manufacturing of the Studebaker automobile. It made the name Studebaker synonymous with the area of South Bend and its major employer until its closure in 1963. Another industrial firm that would later become the area’s largest began in 1923 when Vincent Bendix began manufacturing automotive brakes. In 1929, the company became the Bendix Aviation Corporation, and now, as Honeywell (formerly AlliedSignal Inc.), is a leading manufacturer of automotive and aerospace products. The Singer Sewing Company and the Oliver Chilled Plow Works were other important companies during the early history of South Bend. In the 1840s and 1850s, many South Bend residents were secretly involved in helping fugitive slaves escape from the South through the Underground Railroad. Many residents of South Bend and St. Joseph County offered their homes, barns and businesses up as “stations” or safe places in which runaways could eat and rest as they made their way North. Most notable among local Underground Railroad conductors was James Washington, a well-known and well-respected free Black in South Bend. Mr. Washington was a barber who, along with Mr. Sawyer, collected money from local citizens to fund the Underground Railroad. Special attractions within the South Bend area include the Olympic-class East Race Waterway and the East Bank area; the renovated Morris Performing Arts Center, which provides for the Broadway Theater League, the South Bend Symphony Orchestra with the Chamber and Pops Orchestras, and the Southold Dance Theater and Patchwork Dance Company; the award-winning South Bend Civic Theater; the Studebaker National Museum; the South Bend Museum of Art; the Snite Museum of Art at Notre Dame; the Northern Indiana Center for History; Copshaholm/The Oliver Mansion; Century Center; Potawatomi Zoo; the Morris Conservatory/Muessel-Ellison Tropical Gardens; Healthworks! Kids Museum; the Farmers’ Market; and the Byers Softball Complex. The Four Winds Field Baseball Stadium is a 5,600-seat facility which opened in 1987 and is rated among the best in minor league baseball. The stadium is home to the South Bend Cubs, a minor league team affiliated with the Chicago Cubs. Additional miscellaneous information about the City of South Bend can be found in the statistical section of this report. 15 Financial, Budgetary and Property Tax Controls The City’s management team is responsible for establishing and maintaining an internal control structure designed to ensure that the assets of the government are protected from loss, theft or misuse and to ensure that adequate accounting data is compiled to allow for the preparation of financial statements in conformity with generally accepted accounting principles. The internal control structure is designed to provide reasonable, but not absolute, assurance that these objectives are met. The concept of reasonable assurance recognizes that: (1) the cost of a control should not exceed the benefits likely to be derived; and (2) the valuation of costs and benefits requires estimates and judgments by management. On November 28, 2016, the South Bend Common Council approved a new Internal Controls policy for the City. Single Audit. As a recipient of federal and state financial assistance, the City is also responsible for ensuring that an adequate internal control structure is in place to ensure compliance with applicable laws and regulations related to those programs. This internal control structure is subject to periodic evaluation by management of the City. As part of the City’s single audit described earlier, tests are performed to determine the adequacy of the internal control structure, including that portion related to federal financial assistance programs, as well as to determine that the City has complied with applicable laws and regulations. The results of the City’s single audit for the year ended December 31, 2016 are included in a separate report. Budgetary Controls. In accordance with Indiana statutes, the City maintains budgetary controls integrated within the accounting system. The objective of these budgetary controls is to ensure compliance with legal provisions embodied in the annual appropriated budget (prepared on a cash basis) which is adopted by the Common Council or Redevelopment Commission (depending on the fund) and then reviewed and approved by the State of Indiana Department of Local Government and Finance (DLGF). Activities of the general fund, special revenue funds, capital project funds, enterprise funds, internal service funds, pension trust funds and debt service funds are included in the annual budget. The level of budgetary control (that is, the level at which expenditures cannot legally exceed the appropriated amount) is established by major budget classification within funds. The Mayor and Common Council may transfer appropriations from one major budget classification to another within a department by ordinance as long as the total appropriations for that fund are not exceeded. Additional appropriations in excess of the original budget must be approved by the Mayor and Common Council and are also submitted to the DLGF for either approval or acknowledgement (depending on the fund). Additional appropriations for funds approved by the Redevelopment Commission do not require DLGF approval. The deadline for adoption of the annual budget is November 1. The city’s fiscal year begins on January 1. The C ity maintains an encumbrance accounting system as one technique of accomplishing budgetary control. Encumbered amounts do not lapse at year end and are carried over to the following year as a part of the subsequent year’s budget. Property Tax Controls. In addition to budgetary and other controls established by Indiana statute, the City must operate within specific and rigid controls governing the amount of property tax it may levy. The property tax control program, which began in 1973, limits the amount of property tax that may be levied by each unit of government in its legally budgeted funds. The total amount of property tax levied by the unit may increase by the six year average annual growth in Indiana personal non-farm income, as calculated by the U.S. Bureau of Economic Analysis, with a 6% maximum. 16 During March 2008, the State of Indiana General Assembly enacted property tax reform legislation which made significant changes in the property tax system by capping the amount of property taxes at 1% of grossed assessed value for residential homesteads, 2% for agricultural/rental properties and 3% for all other real and personal property. This legislation was phased in over a two year period beginning in 2009. The loss of revenue to the City due to this legislation was significant (estimated to be over $31 million dollars) but this revenue loss has been offset by cost savings and the adoption of local option income taxes in order to continue providing essential City services, including police and fire protection. A historical view of the City’s tax rate and its net assessed valuation has been included in the statistical section of this document. Mayoral Leadership Mayor Pete Buttigieg, a Harvard University graduate and Rhodes Scholar, assumed office on January 1, 2012, bringing with him a group of leaders with new ideas and energy to implement transformational reform to city government. When elected at age 29, Mayor Buttigieg was the youngest chief executive of a municipality exceeding 100,000 residents in the United States. During 2012, Mayor Buttigieg launched eight new initiatives to improve city government: 1.New Economic Partnerships – to lay out a new economic vision for our community as well as to agree on a smarter division of labor among various groups involved in economic development. 2.High Ethical Standards – on his first day in office, the Mayor issued an executive order introducing a new ethics code for City employees. 3.Customer Service Mentality – design ways that City employees can track and resolve residents’ issues efficiently by using more advanced technology. This effort led to the creation of a “311 Call Center” for non-emergency municipal telephone calls during 2012. As of December 31, 2016, the 311 Call Center has taken an excess of 633,000 calls since inception. 4.Strong Partnership with Schools – the Mayor has improved dialogue with the South Bend Community School Corporation and other stakeholders to ensure a strong educational system in the City. The Mayor has begun programs to double the number of public school mentors and curb youth and gun violence. 5.Transparency and Accessibility – choosing not to serve from behind his desk, Mayor Buttigieg continues to conduct a series of monthly “Mayor’s Night Out” and “Mayor’s Night In” events around town to allow residents to speak to him and his department heads directly about concerns and ideas. Also, efforts to implement a first-class performance management system has been initiated and departmental performance measures are being monitored on a monthly basis. The City website has been re-designed and additional financial and operational reports are being made available online. 6.Vacant and Abandoned Buildings – as with many large cities, the City of South Bend has an issue with vacant and abandoned buildings. The city has taken on this issue with the appointment of a blue-ribbon task force that developed a strategy and initiated an aggressive three-year program – 1,000 buildings in 1,000 days – to reduce the number of vacant and abandoned buildings. In October 2015, the 1,000th building was addressed. The City is now working on phase II of the program – dealing with the now vacant lots created by the demolition of the buildings. 17 7.Smart Streets – an effort to improve the role of streets within South Bend. Projects within this initiative utilizes the “Complete Streets” philosophy which advocates for the design of streets to enable safe access for all users, including pedestrians, bicyclists, motorists and transit riders of all ages and abilities. In 2015, a $25 million bond was issued to aide in the completion of this project in a timely fashion. A majority of this work has been completed as of November 30, 2016. 8.South Bend Group Violence Intervention (SBGVI) – unites community leaders around a common goal: to stop violence and keep South Bend’s highest risk residents alive and out of prison. SBGVI is a partnership among 30 community leaders from law enforcement, government, education, civil services, health-care and faith-based agencies. City Values The administration of Mayor Buttigieg has a single, overarching mission - we deliver services that empower everyone to thrive. In support of this vision, the Mayor has established three main pillars of administration policy: 1.Make the basics easy – Provide residents high quality services at the greatest value to the taxpayer, maintaining widespread confidence that the fundamentals are managed well. 2.Deliver Good government – Put residents first always, leading by example, gathering input, and transparently communicating our intentions, decisions, and actions. 3.Invest in people and places – Support residents with design, policy, and programming for a strong and inclusive economy, vibrant culture, and great public spaces. Values In the administration In the community EXCELLENCE For each major area of service delivery, establish South Bend as the best in the state, and/or in the top 25% nationally, measuring and reporting progress. Establish a path for major indicators of resident well- being to reach the status of best-in-state or top-25% nationally, including the means to measure progress. ACCOUNTABILITY Put residents first always, offering services at the greatest value to the taxpayer, with clear and transparent indications of how the government is using public resources. Promote a culture of civic engagement in which we hold one another to a high standard of respect, stewardship, and support for our shared community. INNOVATION Deliver better services more efficiently by introducing creative approaches to government operations, questioning habit and using evidence to continually improve. Foster a culture of innovation in South Bend’s social and private sectors, seeking and developing the best ideas and practices from within and beyond our city limits. 18 INCLUSION Ensure the city administration, as an employer and as a purchaser, reflects the community it serves and includes diverse voices in our decision-making and actions. Develop a community in which everyone has an equal opportunity to thrive by expanding access and participation to all, incorporating diverse voices throughout the city. EMPOWERMENT Establish a work environment that enables employees to contribute richly to the administration and the community, taking pride and ownership in our work. Support the ability of all residents to live a safe, healthy, meaningful life in South Bend, contributing as they are able and benefiting from all that our community offers. Community and Governance Results During 2016, the City administration has initiated a Priority Based Budgeting program and has developed the following Community and Governance desired outcomes: Community Results 1. Safe Community for Everyone 2. Strong, Inclusive Economy 3. Thriving Public Spaces and Culture 4. Vibrant, Welcoming Neighborhoods 5. Robust and Well-Planned Infrastructure 6. Empower All Residents with Education, Mobility and Technology Governance Results 1.Great Employer with Great Employees 2. Enduring Financial Strength 3.Excellent Services and Efficient Processes 4. Modeling our Values (Excellence, Accountability, Innovation, Inclusion and Empowerment) 5. Robust Physical and Technological Capital Assets 6.Reliable Compliance with Regulations and Well-Managed Risk 7. Effective, Responsive Leadership and Communication 19 Awards The Government Finance Officers Association of the United States and Canada (GFOA) awarded a Certificate of Achievement for Excellence in Financial Reporting to the City of South Bend for its comprehensive annual financial report for the fiscal year ended December 31, 2015. This was the 26th consecutive year that the City has achieved this prestigious award. In order to be awarded a Certificate of Achievement for Excellence in Financial Reporting, a government unit must publish an easily readable and efficiently organized Comprehensive Annual Financial Report. This report must satisfy both generally accepted accounting principles and applicable legal requirements. A Certificate of Achievement is valid for a period of one year only. We believe that our current comprehensive annual financial report continues to meet the Certificate of Achievement Program’s requirements, and we are submitting it to the GFOA to determine its eligibility for another certificate. Acknowledgments The preparation of the Comprehensive Annual Financial Report (CAFR) was made possible by the dedicated service of the City’s departmental fiscal officers and the staff of the Department of Administration and Finance. Each fiscal officer and member of the Administration and Finance Department has our sincere appreciation for the contributions made in the preparation of this report. We would especially like to acknowledge the efforts of the core CAFR preparation team of Rahman Johnson, Amy Shirk, Consultant Bruce Snyder and Plante & Moran, PLLC. In addition, we would like to thank the Field Examiners of the Indiana State Board of Accounts (led by Martha Harper and Alex Flores) for their hard work and dedication in this effort. In closing, without the leadership and support of Mayor Pete Buttigieg, City Department Heads, City Fiscal Officers and members of the City of South Bend Common Council, preparation of this report would not have been possible. Sincerely, John H. Murphy, MPA Jennifer Hockenhull, CPA Chief Financial Officer City Controller 20 STATE OF INDIANA AN EQUAL OPPORTUNITY EMPLOYER STATE BOARD OF ACCOUNTS 302 WEST WASHINGTON STREET ROOM E418 INDIANAPOLIS, INDIANA 46204-2769 Telephone: (317) 232-2513 Fax: (317) 232-4711 Web Site: www.in.gov/sboa INDEPENDENT AUDITOR'S REPORT TO: THE OFFICIALS OF THE CITY OF SOUTH BEND, ST. JOSEPH COUNTY, INDIANA Report on the Financial Statements We have audited the accompanying financial statements of the governmental activities, the business-type activities, each major fund, and the aggregate remaining fund information of the City of South Bend (City), as of and for the year ended December 31, 2016, and the related notes to the financial statements, which collectively comprise the City's basic financial statements as listed in the Table of Contents. Management's Responsibility for the Financial Statements Management is responsible for the preparation and fair presentation of these financial statements in accordance with accounting principles generally accepted in the United States of America; this includes the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error. Auditor's Responsibility Our responsibility is to express opinions on these financial statements based on our audit. We conducted our audit in accordance with auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor's judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the City'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 City's internal control. Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinions. 21 INDEPENDENT AUDITOR'S REPORT (Continued) Opinions In our opinion, the financial statements referred to above present fairly, in all material respects, the respective financial position of the governmental activities, the business-type activities, each major fund, and the aggregate remaining fund information of the City, as of December 31, 2016, and the respective changes in financial position and, where applicable, cash flows thereof and 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, Schedules of Investment Returns, Schedules of Proportionate Share of the Net Pension Liability, Schedules of Contributions, Schedules of Changes in City Net Pension Liability and Related Ratios, Schedules of Funding Progress, Budgetary Comparison Schedules, and Budget/GAAP Reconciliation, as listed in the Table of Contents, be presented to supplement the basic financial statements. Such information, although not a part of the basic financial statements, is required by the Governmental Accounting Standards Board who considers it to be an essential part of financial reporting for placing the basic financial statements in an appropriate operational, economic, or historical context. We have applied certain limited procedures to the required supplementary information in accordance with auditing standards generally accepted in the United States of America, which consisted of inquiries of management about the methods of preparing the information and comparing the information for consistency with management's responses to our inquiries, the basic financial statements, and other knowledge we obtained during our audit of the basic financial statements. We do not express an opinion or provide any assurance on the information because the limited procedures do not provide us with sufficient evidence to express an opinion or provide any assurance. Other Information Our audit was conducted for the purpose of forming opinions on the financial statements that collectively comprise the City's basic financial statements. The accompanying Combining Balance Sheet, Combining Statement of Revenue, Expenditures and Changes in Fund Balances, Schedule of Revenue, Expenditures, and Changes in Fund Balances - Budget and Actual, Combining Statements of Net Position, Combining Statements of Revenue, Expenses, and Changes in Net Position, Combining Statements of Cash Flows, Statement of Assets and Liabilities, Combining Statement of Changes in Fiduciary Net Position, and Statement of Changes in Assets and Liabilities, and the Introductory and Statistical Sections are presented for purposes of additional analysis and are not a required part of the basic financial statements. The Combining Balance Sheet, Combining Statement of Revenue, Expenditures and Changes in Fund Balances, Schedule of Revenue, Expenditures, and Changes in Fund Balances - Budget and Actual, Combining Statements of Net Position, Combining Statements of Revenue, Expenses, and Changes in Net Position, Combining Statements of Cash Flows, Statement of Assets and Liabilities, Combining Statement of Changes in Fiduciary Net Position, and Statement of Changes in Assets and Liabilities are the responsibility of management and were derived from and relates 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 procedures, including comparing and reconciling such information directly to the 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 America. In our opinion, the combining and individual fund financial statements, and other budgetary comparison schedules are fairly stated, in all material respects, in relation to the basic financial statements as a whole. 22 INDEPENDENT AUDITOR'S REPORT (Continued) The Introductory and Statistical Sections have not been subjected to the auditing procedures applied in the audit of the basic financial statements and, accordingly, we do not express an opinion or provide any assurance on it. Other Reporting Required by Government Auditing Standards In accordance with Government Auditing Standards, we have also issued our report dated June 5, 2017, on our consideration of the City's internal control over financial reporting and on our tests of its compliance with certain provisions of laws, regulations, contracts, and grant agreements and other matters. The purpose of that report is to describe the scope of our testing of internal control over financial reporting and compliance and the results of that testing, and not to provide an opinion on internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the City's internal control over financial reporting and compliance. Paul D. Joyce, CPA State Examiner June 5, 2017 23 The management of the City of South Bend, Indiana (the “City”) provides herewith this Management’s Discussion and Analysis (MD&A) of the financial activities and condition of the City of South Bend, Indiana for the fiscal year ended December 31, 2016. Readers of the information contained within this Management’s Discussion and Analysis, and any opinion derived therein, should be considered as a part of the greater whole of the financial statements, notes to the financial statements, supplemental information and letter of transmittal, as contained within this Comprehensive Annual Financial Report (CAFR). The City of South Bend is the county seat of St. Joseph County, Indiana, and is the fourth largest city in the state of Indiana. St. Joseph County is located within the heartland of the manufacturing and metropolitan regions of the Upper Midwest. The City of South Bend is located in the north central region of the state of Indiana, five (5) miles south of the Indiana / Michigan state boundary line. The City is approximately ninety (90) miles east of the city of Chicago and one hundred forty (140) miles north of the city of Indianapolis. The 2010 U.S. Bureau of the Census population for the City of South Bend was reported as 101,168 and the 2010 Census population for St. Joseph County was reported as 266,931. Accordingly, South Bend is classified as a “Second Class City” under State of Indiana statutes, defined as cities with a population between 35,000 and 600,000 residents. The City of South Bend and St. Joseph County is a vibrant and diverse area with a strong local economy based on a mix of agricultural, manufacturing and service, higher education, health care and other commercial and tourism based industries. The diverse economic mix creates varied employment opportunities for residents while providing insulation from economic downturns through diversification. South Bend is home to the University of Notre Dame. The City of South Bend provides a full range of general governmental services to its residents. Services include general government, public safety, street construction and maintenance, infrastructure construction and maintenance, parks and recreation services, arts and culture, and sanitation services. In addition, the City provides Water Utility, Wastewater Utility and Solid Waste services to commercial and residential properties within the city. City operations also include the Century Center convention venue, Morris Performing Arts Center, Palais Royale Ballroom, Studebaker National Museum, South Bend Redevelopment Authority and Public Parking Garages within the city footprint. The City of South Bend governmental structure includes elected officials as follows with defined management and legislative authority in compliance with Indiana statute. Mayor Chief Executive Officer 4-year term Common Council 9 member legislative body 6 from defined districts within the City 3 at-large members 4-year term City Clerk Secretary of the Common Council 4-year term 24 The current terms of office for Common Council members, Mayor and City Clerk expire on December 31, 2019. The City of South Bend was incorporated in 1865, is compliant with Indiana statutes, and remains as such through the period covered by this Management’s Discussion and Analysis report. Financial Highlights Governmental Business-type Government-wide Activities Activities Activities 2016 2015 2016 2015 2016 2015 Assets/deferred outflows $ 516,480,560 $ 516,636,797 $ 320,179,055 $ 317,443,817 $ 836,659,615 $ 834,080,614 Liabilities/deferred inflows 353,797,922 375,776,902 117,568,564 122,632,404 471,366,486 498,409,306 Net position Net investment in capital assets 161,341,318 157,604,691 145,288,974 141,998,384 306,630,292 299,603,075 Restricted 8,669,117 9,137,552 31,963,852 28,397,290 40,632,969 37,534,842 Unrestricted -7,327,797 -25,882,348 25,357,665 24,415,739 18,029,868 -1,466,609 Total net position $ 162,682,638 $ 140,859,895 $ 202,610,491 $ 194,811,413 $ 365,293,129 $ 335,671,308 Change vs. prior year $ 21,822,743 $ 3,890,735 $ 7,799,078 $ 6,387,416 $ 29,621,821 $ 10,278,151 Expenses 134,519,353 164,310,194 64,067,328 61,899,676 198,586,681 226,209,870 Revenues 152,661,080 143,906,425 75,547,422 75,039,628 228,208,502 218,946,053 •Government-wide net position was $365,293,129 as of December 31, 2016. •Government-wide net position increased by $29,621,821 or 8.8% during fiscal 2016. Governmental activity net position increased by $21,822,743 or 15.5% and business-type activity net position increased by $7,799,078 or 4.0% during fiscal 2016. On an overall basis, the City is better off financially at December 31, 2016 than it was at December 31, 2015 on a government-wide financial basis. The primary reason is that the City received higher than expected property taxes, income taxes and other revenues in 2016 while spending less than anticipated due to plan changes in the TIF and Utility areas. •Total assets and deferred outflows of resources as of December 31, 2016 of $836,659,615 increased by $2,579,001 or 0.3% as compared to total assets and deferred outflows of resources as of December 31, 2015. •Total liabilities and deferred inflows of resources as of December 31, 2016 of $471,366,486 decreased by $27,042,820 or 5.4% as compared to total liabilities and deferred inflows of resources as of December 31, 2015. •As of December 31, 2016, the government-wide net position of $365,293,129 has $306,630,292 invested in capital assets (net of debt) which is not available for spending, $40,632,969 classified as restricted for debt service; capital outlay; and other; and $18,029,868 classified as unrestricted. 25 •Government-wide revenue received in fiscal 2016 totaled $228,208,502, an increase of $9,262,449 or 4.2% versus government-wide revenue received in fiscal 2015. Governmental activity revenue increased by $8,754,655 or 6.1%, and business-type activity revenue increased by $507,794 or 0.7%. •Government-wide expenses in 2016 totaled $198,586,681, a decrease of $27,623,189 or 12.2% compared to expenses of $226,209,870 in 2015. Government activity expenses decreased by $29,790,841 or 18.1% and business-type activity expenses increased by $2,167,652 or 3.5% compared to fiscal 2015. •Explanatory commentary concerning the changes in assets, liabilities, revenue and expenditures can be found in later sections of this MD&A. Overview of the Financial Statements The City of South Bend’s financial statements are comprised of three components: (1) government-wide financial statements, (2) fund financial statements, and (3) notes to the financial statements. This report also includes other supplementary information in addition to the basic financial statements themselves. Government-wide Financial Statements The government-wide financial statements are designed to provide readers with a broad overview of the City of South Bend’s finances using “accrual-based accounting,” a method of accounting used by private sector businesses. •Statement of Net Position This statement reports all assets, deferred outflows of resources, liabilities, and deferred inflows of resources of the City of South Bend as of December 31, 2016. The difference between total assets and deferred outflows of resources less total liabilities and deferred inflows of resources is reported as “net position,” and can generally be thought of as the net worth of the City. Increases in net position generally indicate an improvement in financial position while decreases in net position may indicate a deterioration of financial position. •Statement of Activities This statement serves the purpose of the traditional income statement. It provides consolidated reporting of the results of all activities of the City of South Bend for the year ended December 31, 2016. Changes in net position are recorded in the period in which the underlying event takes place, which may differ from the period in which cash is received or disbursed. The statement of activities displays the expense of the City’s various programs net of the related revenues, as well as a separate presentation of revenue available for general purposes including property and county option income taxes, fees for services and other revenue sources. 26 The government-wide financial statements distinguish between functions of the City that are principally supported by taxes and intergovernmental revenue (governmental activities) and other functions that are intended to recover all or a significant portion of their costs through user fees and charges (business-type activities). The major governmental activities of the City of South Bend include general government, public safety, street construction and maintenance, infrastructure construction and maintenance, parks and recreation services, and arts and culture. The major business-type activities of the City include the water utility, wastewater utility, solid waste sanitation services, Century Center convention center, building department, emergency medical services and the downtown parking garages. Fund Financial Statements A fund is a group of related accounts that is used to maintain control over resources that have been segregated for specific activities or objectives. The City, like other state and local governments, uses fund accounting to ensure and demonstrate compliance with finance-related legal requirements. All of the funds of the City of South Bend can be divided into three categories: governmental funds, proprietary funds and fiduciary funds. Each fund has its own cash balance which must be maintained according to the City’s cash reserve policy. Governmental Funds Governmental funds are used to account for the same functions reported as governmental activities in the government-wide financial statements. However, unlike government-wide financial statements, governmental fund financial statements focus on short-term inflows and outflows of spendable resources, as well as on balances of spendable resources available at the end of the fiscal year. Such information may be useful in evaluating a government's short-term financing requirements. Governmental funds use the modified accrual accounting method. The City maintains seven (7) major governmental funds (General, Parks and Recreation, Public Safety Local Option Income Tax (LOIT), County Option Income Tax (COIT), Economic Development Income Tax (EDIT), Rainy Day, and River West TIF) and sixty-eight (68) non major governmental funds. 27 Proprietary Funds The City of South Bend maintains two types of proprietary funds: enterprise and internal service. •Enterprise funds are used to report the same functions presented as business-type activities in the government-wide financial statements. The City maintains seven (7) enterprise funds. Information is presented separately in the proprietary statement of net position and the proprietary statement of revenues, expenses and changes in fund net position for the Water utility, Wastewater utility and Century Center, which are considered major enterprise funds. Data from the other four (4) nonmajor enterprise funds (Consolidated Building Department, Parking Garage, Solid Waste, and Emergency Medical Services) are combined into a single, aggregated presentation. Individual fund data for each of these nonmajor enterprise funds is provided in the form of combining statements elsewhere in this report. •Internal service funds are used to accumulate and allocate costs internally among the City's various functions and funds. The City maintains six (6) internal service funds. The City of South Bend uses internal service funds to account for its self-funded liability insurance program, self- funded employee health benefits program, unemployment compensation claims, police take- home vehicle program, 311 call center, and central services unit (a department that accounts for expenses related to fuel, vehicle repairs, printing and other services provided to City departments on a cost-reimbursement basis). Because these services predominantly benefit governmental rather than business-type functions, they have been included within governmental activities in the government-wide financial statements but are combined into a single, aggregated presentation in the proprietary fund financial statements. Individual fund data for the internal service funds is provided in the form of combining statements elsewhere in the report. Fiduciary Funds Fiduciary funds are used to account for resources held for the benefit of parties outside the City government. Fiduciary funds are not reflected in the government-wide financial statements because the resources of those funds are not available to support City programs. The City maintains six (6) fiduciary funds, which consist of two (2) pension trust funds (1925 Police Pension and 1937 Firefighters’ Pension), three (3) agency funds (Payroll, Police Distributions Payable and Morris/Palais Royale Box Office), and one (1) private-purpose trust fund (City Cemetery). 28 Pension Trust Fund Operations City employees are covered by the Public Employees Retirement Fund (PERF) and the 1977 Police Officers' and Firefighters' Pension Fund, both of which are administered by the State of Indiana. However, certain police officers and firefighters hired before May 1, 1977 (who did not opt into the 1977 fund) continue to be members of the 1925 Police Officers’ Pension Fund or the 1937 Firefighters' Pension Fund. These two funds are administered by the City. The number of police officers and firefighters in the City-managed pension trust funds will continue to decline in the future as current participants pass away. The State makes certain contributions toward the funding of the 1925 Police Officers’ and 1937 Firefighters’ pension plans. Notes to the Financial Statements The notes to the financial statements provide additional information that is essential in order to have a full understanding of the data provided in the government-wide and fund financial statements. Other Information In addition to the basic financial statements and accompanying notes and disclosures, this CAFR presents supplementary information (“Required Supplementary Information” or “RSI”) immediately following the basic financial statements. Other supplementary information is found in the Statistical Section. The combining statements referred to earlier in connection with non-major governmental, non-major enterprise, internal service and fiduciary funds are presented immediately after the Required Supplementary Information within the financial statement section of the CAFR. Government-wide Financial Statements The following financial analysis will focus on the statement of net position and statement of changes in net position of the City’s governmental and business-type activities. 29 Statement of Net Position Governmental Business-type Government-wide Activities Activities Activities 2016 2015 2016 2015 2016 2015 Assets Current and other $ 214,523,060 $ 226,795,797 $ 68,688,703 $ 74,526,365 $ 283,211,763 $ 301,322,162 Capital assets (net) 273,380,335 265,386,820 249,215,298 240,503,593 522,595,633 505,890,413 Total Assets 487,903,395 492,182,617 317,904,001 315,029,958 805,807,396 807,212,575 Deferred Outflows 28,577,165 24,454,180 2,275,054 2,413,859 30,852,219 26,868,039 Liabilities Current 8,052,118 30,617,734 17,885,075 15,584,204 25,937,193 46,201,938 Long term 329,439,412 324,909,155 99,440,549 106,707,120 428,879,961 431,616,275 Total Liabilities 337,491,530 355,526,889 117,325,624 122,291,324 454,817,154 477,818,213 Deferred Inflows 16,306,392 20,250,013 242,940 341,080 16,549,332 20,591,093 Net Position Net investment in capital assets 161,341,318 157,604,691 145,288,974 141,998,384 306,630,292 299,603,075 Restricted 8,669,117 9,137,552 31,963,852 28,397,290 40,632,969 37,534,842 Unrestricted (7,327,797) (25,882,348) 25,357,665 24,415,739 18,029,868 (1,466,609) Total Net Position $ 162,682,638 $ 140,859,895 $ 202,610,491 $ 194,811,413 $ 365,293,129 $ 335,671,308 •As of December 31, 2016, total assets and deferred outflows exceeded liabilities and deferred inflows by $365,293,129, an increase of $29,621,821, or 8.8%, from the net position level as of December 31, 2015. •Governmental activities net position of $162,682,638 increased by $21,822,743, or 15.4%, from December 31, 2015. •Business-type net position of $202,610,491 increased by $7,799,078, or 4.0%, from December 31, 2015. The increase in business-type net position was due primarily to a 5% increase in sewer rates which will be used to support long-term capital projects of the Wastewater and a 9.1% increase in the Solid Waste fees used to support operations and capital expenditures. •Government-wide assets and deferred outflows increased by $2,579,001, or 0.3%, as compared to amounts as of December 31, 2015 primarily due to increased tax revenue received during 2016. •Government-wide liabilities and deferred inflows decreased by $27,042,820, or 5.4%, as compared to amounts as of December 31, 2015. The decrease is due primarily to the pay down of outstanding debt from operations without offsetting new debt and the reduction of the calculated net pension liability. 30 Statement of Changes in Net Position Governmental Business-type Government-wide Activities Activities Activities 2016 2015 2016 2015 2016 2015 Revenue Program revenue: Charge for services $ 8,171,317 $ 6,529,359 $ 75,470,222 $ 69,997,286 $ 83,641,539 $ 76,526,645 Operating grants 2,644,272 2,813,481 - - 2,644,272 2,813,481 Capital grants - - 649,609 4,683,424 649,609 4,683,424 General revenue: Taxes Property tax 76,331,581 72,032,049 - - 76,331,581 72,032,049 Other tax 31,463,184 24,507,308 - - 31,463,184 24,507,308 Unrestricted grants 25,846,397 25,487,112 - - 25,846,397 25,487,112 Investment earnings 1,458,787 1,322,674 570,982 358,918 2,029,769 1,681,592 Other revenue 6,745,542 11,214,442 (1,143,391)-5,602,151 11,214,442 Total Revenue 152,661,080 143,906,425 75,547,422 75,039,628 228,208,502 218,946,053 Expenses General government 15,618,817 21,572,776 - - 15,618,817 21,572,776 Public safety 55,029,909 56,528,448 - - 55,029,909 56,528,448 Highways and streets 13,550,535 20,045,444 - - 13,550,535 20,045,444 Culture and recreation 17,156,094 20,300,768 - - 17,156,094 20,300,768 Economic development 28,436,368 40,727,612 - - 28,436,368 40,727,612 Bond issuance costs -372,432 - - - 372,432 Interest on long-term debt 4,727,630 4,762,714 - - 4,727,630 4,762,714 Water utility - - 14,900,039 13,609,378 14,900,039 13,609,378 Wastewater utility - - 26,420,526 25,737,867 26,420,526 25,737,867 Civic center - - 5,364,472 4,854,747 5,364,472 4,854,747 Building department - - 3,240,172 3,552,347 3,240,172 3,552,347 Parking - - 909,857 2,139,182 909,857 2,139,182 Solid waste - - 5,794,913 5,243,972 5,794,913 5,243,972 Golf course - - - 165,977 -165,977 Emergency medical services - - 7,437,349 6,596,206 7,437,349 6,596,206 Total Expenses 134,519,353 164,310,194 64,067,328 61,899,676 198,586,681 226,209,870 Change in net position Before transfers 18,141,727 (20,403,769) 11,480,094 13,139,952 29,621,821 (7,263,817) Special items - Disposal of operations - - - (1,180,964)-(1,180,964) Transfers 3,681,016 2,846,415 (3,681,016) (2,846,415)- - Change in net position 21,822,743 (17,557,354) 7,799,078 9,112,573 29,621,821 (8,444,781) Beginning net position 140,859,895 158,417,249 194,811,413 185,698,840 335,671,308 344,116,089 Ending net position $ 162,682,638 $ 140,859,895 $ 202,610,491 $ 194,811,413 $ 365,293,129 $ 335,671,308 31 Governmental Activities Net position for governmental activities increased by $21,822,743 during fiscal 2016, an increase of 15.5% from the balance of Net Position at December 31, 2015. Revenue of $152,661,080 increased by $8,754,655, or 6.1%. Expenses were $134,519,353 during 2016, a decrease of $29,790,841, or 18.1% as compared to fiscal 2015. The governmental activities revenue increases were due primarily to higher property tax and income tax revenue during 2016 resulting from an increase in assessed property values and an improving local economy. Governmental activities expenses decreased significantly in 2016 due to higher than usual spending in 2015 on large capital projects and business incentives paid to companies for economic development. Many major projects (2-way street conversions and major economic development projects) were funded in 2015. Business-type Activities Net position from business-type activities increased by $7,799,078 during fiscal 2016, an increase of 4.0% from the balance of Net Position at December 31, 2015. During 2016, business-type activities revenue of $75,547,422 increased by $507,794, or 0.7%, over fiscal 2015. During 2016, business-type activities expenses of $64,067,328 increased by $2,167,652, or 3.5%, when compared to fiscal 2015. Revenue increased primarily in the Wastewater utility as a result of a 5% rate increase and in Solid Waste due to a 9.1% rate increase. Both rate increases were approved by the South Bend Common Council. Financial Analysis of Government Funds The City of South Bend uses fund accounting to ensure and demonstrate compliance with finance related legal requirements. Funds of the City are divided into three categories: governmental funds, proprietary funds and fiduciary funds. 32 Condensed Balance Sheet, Statement of Revenue, Expenditures, and Changes in Fund Balance As of December 31, 2016 General Park & Rec PS LOIT COIT EDIT Rainy Day River West TIF Other Total Total assets $ 35,178,825 $ 4,527,367 $ 940,539 $ 10,479,820 $ 11,575,880 $ 10,185,414 $ 42,335,432 $ 90,137,661 $ 205,360,938 Total liabilities 1,226,203 181,597 114,082 465,853 375,991 -1,420,433 9,835,559 13,619,718 Fund Balances: Nonspendable 494,730 27,113 -1,526,597 270,001 -9,583,608 12,158,948 24,060,997 Restricted -4,318,657 826,457 - - - 31,331,391 65,350,135 101,826,640 Committed - - - - - - - 2,698,694 2,698,694 Assigned 1,380,036 - - 8,487,370 10,929,888 10,185,414 -2,396,118 33,378,826 Unassigned 32,077,856 - - - - - - (2,301,793) 29,776,063 Total fund balance $ 33,952,622 $ 4,345,770 $ 826,457 $ 10,013,967 $ 11,199,889 $ 10,185,414 $ 40,914,999 $ 80,302,102 $ 191,741,220 Liabilities and fund balance $ 35,178,825 $ 4,527,367 $ 940,539 $ 10,479,820 $ 11,575,880 $ 10,185,414 $ 42,335,432 $ 90,137,661 $ 205,360,938 Revenues 62,470,763 10,413,258 6,798,193 10,189,226 10,195,560 1,492,715 18,673,223 32,436,480 152,669,418 Expenditures 63,575,739 10,835,631 6,525,003 10,644,722 2,515,324 - 17,358,817 59,520,848 170,976,084 Net surplus (deficit) (1,104,976) (422,373) 273,190 (455,496) 7,680,236 1,492,715 1,314,406 (27,084,368) (18,306,666) Other sources (uses) 4,435,542 947,661 - (2,590,147) (6,709,570) - (2,142,555) 15,280,219 9,221,150 Net change in fund balances 3,330,566 525,288 273,190 (3,045,643) 970,666 1,492,715 (828,149) (11,804,149) (9,085,516) Beginning fund balances 30,622,056 3,820,482 553,267 13,059,610 10,229,223 8,692,699 41,743,148 92,106,251 200,826,736 Ending fund balances 33,952,622$ 4,345,770$ 826,457$ 10,013,967$ 11,199,889$ 10,185,414$ 40,914,999$ 80,302,102$ 191,741,220$ As of December 31, 2016, the City governmental funds reported a combined ending fund balance of $191,741,220. The nonspendable fund balance of $24,060,997 is sequestered for property held for resale, inventory, and long-term receivables and is, therefore, not available for new spending. The restricted fund balance of $101,826,640 consists of monies in debt service funds or other funds such as road and tax increment financing funds that are limited by external parties as to their use. The committed fund balance of $2,698,694 is designated by the South Bend Common Council or South Bend Redevelopment Commission to be used for certain purposes such as for economic development projects. The assigned fund balance of $33,378,826 includes balances in local option income tax funds that have not been committed to certain projects and are available for spending by the City. The remaining unassigned fund balance of $29,776,063 consists of money primarily in the General Fund that has not been obligated in any manner by the City less deficits in certain nonmajor governmental funds due primarily to interfund advance transactions to finance economic development projects that will be paid back over time. The General Fund is the primary operating fund for City operations including general government, public safety, certain culture and recreation expenses, and certain debt service obligations. As of December 31, 2016, the General Fund balance of $33,952,622 represents an increase of $3,330,566, or 10.9% from the balance as of December 31, 2015. The increase was due primarily to higher property tax revenue during 2016 than expected and lower spending for public safety and administration than anticipated. 33 As of December 31, 2016, the General Fund had an unassigned fund balance of $32,077,856 which is equal to 50.5% of 2016 General Fund expenditures. The General Fund unassigned fund balance has traditionally been used by the City to fund certain capital projects and emergency contingencies. In addition, the City used the unassigned fund balance in 2016 as a cash flow bridge to the receipt of property tax revenues from the County collection authority which distributes property tax revenue twice per year (June and December). The General Fund unassigned balance provided sufficient cash to cover City operating obligations without incurring tax anticipation notes and resultant borrowing costs during fiscal 2016. As discussed in Governmental Accounting, Auditing, and Financial Reporting (GAAFR), a General Fund unassigned fund balance should be either 1) no less than 5 to 15 percent of regular General Fund operating revenues, or 2) no less than one to two months of regular General Fund operating expenditures. An unassigned fund balance may be higher if circumstances dictate, such as a delay in collection of a major revenue source. The City has a policy to maintain fund reserves equal to at least 35% of annual expenditures and exceeded this target at December 31, 2016. The Parks and Recreation Fund balance increased $525,288 during fiscal 2016, due primarily to a combination of higher property tax revenue and transfers in and lower expenditures. As of December 31, 2016, the fund balance in the Parks and Recreation Fund was $4,345,770, or 40.1% of 2016 expenditures. The City has a policy to maintain fund reserves equal to at least 25% of annual expenditures and exceeded this target at December 31, 2016. The Public Safety Local Option Income Tax Fund (Public Safety LOIT) was created in October 2009, with the local legislative passage of an increase in local option income taxes of 0.95%, a part of which (0.25%) tax increase was established to fund public safety expenditures. The City has established the Public Safety LOIT Fund as a major governmental fund, due solely to its purpose of creating a funding source to sustain public safety staffing levels, which were compromised by state implementation of property tax reform that has reduced property tax revenues, which historically are the source of public safety funding. Public Safety LOIT funds are used to cover the personnel costs of police officers and firefighters. Receipts of Public Safety LOIT tax revenue commenced in January 2010. Revenue in fiscal 2016 of $6,798,193 increased by $326,626 or 5.0% compared to 2015. The increase in fund balance in the amount of $273,190 during 2016 was due to lower spending from this fund for police and fire personnel. The ending fund balance was $826,457, or 12.7% of annual expenditures, and meets the City’s cash reserve policy goal of 8%. The County Option Income Tax Fund (COIT) and Economic Development Income Tax Fund (EDIT) funds are used to fund major capital and construction projects, economic development initiatives, certain subsidies and support to organizations and units that benefit city economic development and cultural venues, certain city-wide expenditures such as telephone and information technology costs, and certain debt service payments. 34 The COIT fund balance decreased by $3,045,643 during 2016, due to higher expenditures for the curb and sidewalk program and information technology. The City has operationally sequestered COIT funds for use in major capital and construction funding initiatives, certain subsidies and support to organizations and units that benefit city economic development and cultural venues, information technology costs, city-wide expenditures like telephone and electricity for street lights, and certain debt service payments. As of December 31, 2016, the COIT Fund balance was $10,013,967, or 75.6% of 2016 expenditures and transfers out. This level of fund reserves is significantly higher than the City policy target of 50%. The EDIT Fund balance increased by $970,666 during 2016 due to lower than anticipated expenses related to initiatives of Community Investment. The City has operationally sequestered EDIT funds for use in major economic development initiatives, certain subsidies and support to organizations and units that benefit city economic development and cultural venues, operational costs of the street, code enforcement and community investment departments and certain debt service payments. As of December 31, 2016, the EDIT fund balance was $11,199,889, or 121.4% of 2016 expenditures and transfers out. The City policy target is 50%. The Rainy Day Fund is a new major fund for 2016. The fund is used to account for unused and unencumbered funds that are transferred from a fund that has a tax levy. Revenues in this fund also include special distributions of county option income tax and county economic development income tax. The Rainy Day Fund received a special state distribution $1,405,850 in local income tax revenue during 2016. The ending fund balance was $10,185,414, or 5.1% of government-wide expenses during 2016, and meets the City’s cash reserve policy goal of 3%. The fund balance in the River West TIF Fund decreased by $828,149 during 2016. This change was the result of debt payments made during the year for public building debt and other economic development projects. As of December 31, 2016, the River West TIF Fund balance of $40,914,999 including $9,583,608 in nonspendable fund balances (primarily property held for resale) and $31,331,391 in restricted fund balances. This fund continues to be a major success for the City of South Bend and has generated in excess of $645 million in private investment since its inception. During 2016, the fund balances in Nonmajor Governmental funds decreased by $11,804,149 due primarily to the spending of prior year bond proceeds on capital projects like the “Smart Streets” one-way to two-way street improvement project in the downtown. 35 The total balance in Nonmajor Governmental Funds was $80,302,102 at December 31, 2016. These fund balances provide the necessary resources that the City requires to meet future capital construction needs, ongoing debt service obligations, and economic development project initiatives in order to fuel community growth within the City. Individual fund data for each of the nonmajor governmental funds is provided in the form of the combining statements immediately following the Required Supplemental Information within the Financial Section of the CAFR. Governmental Fund Revenue The following schedule presents a summary of governmental fund revenue for the year ended December 31, 2016 with comparison to the prior year: 2016 % of 2015 % of Actual Total Actual Total Tax Based General property $ 75,724,582 49.6% $ 71,525,988 50.1% County option income 21,868,582 14.3% 15,326,102 10.7% County economic development 9,594,602 6.3% 9,181,206 6.4% Professional sports development 673,787 0.5%626,192 0.5% Total Tax 107,861,553 70.7% 96,659,488 67.7% Non-Tax Based Licenses and permits 224,677 0.1% 151,923 0.1% Intergovernmental 27,959,813 18.3% 30,216,059 21.2% Charge for services 7,062,108 4.6% 5,794,168 4.1% Fines and forfeitures 756,781 0.5% 454,327 0.3% Interest income 1,624,527 1.1% 1,253,242 0.9% Other 7,179,959 4.7% 8,190,619 5.7% Total Non-Tax Based 44,807,865 29.3% 46,060,338 32.3% Total Revenue $ 152,669,418 100.0% $ 142,719,826 100.0% 36 Tax revenue continues to represent the most significant source of revenue required to support services provided by the City. Property tax revenue is the primary source of funding for governmental expenditures. Property tax revenue is based on a relationship between two variables. The first variable is the net assessed property valuation of industrial, commercial and residential parcels for both real and personal property. The second variable is the application of a tax rate to arrive at the total tax levy. Taxable property is assessed at 100% of the true tax value. The amount of property tax levied (billed to property owners) is further restricted by State of Indiana-enacted property tax legislative reform, the so-called “circuit breaker” property tax caps in 2009, to no more than 1.0% (homestead), 2.0% (other residential/rental) or 3.0% (commercial/industrial) of gross assessed valuation. Property tax revenue includes taxes collected on behalf of the following funds: General Fund, Parks and Recreation Fund, Cumulative Capital Development Fund, Redevelopment Commission Tax Incremental Financing (TIF) Funds, Excess Levy Fund, and a special levy to cover debt service at the former College Football Hall of Fame building. The City recognizes the need to further diversify the revenue stream and to reduce its dependency on general property taxes to ensure that a broad base of users of city services, including nonresidents who work in the City, share in the funding of basic City services. As a result of the need to diversify the revenue stream, the City of South Bend Common Council and Saint Joseph County Council adopted an additional local option income tax of 0.95% during 2009, increasing the tax rate from 0.8% to 1.75%. The local option income tax increase consisted of three components: 0.2% increase in the economic development income tax, a 0.25% public safety local option income tax and a 0.5% property tax relief local option income tax. The property tax relief local option income tax does not result in any direct revenue to the City but helps to reduce circuit breaker property tax losses. The City continues to seek diversified sources of revenue that will reduce its reliance on property and income taxes. The City has supported efforts of the Accelerating Indiana Municipalities (AIM –formerly IACT) “Hometown Matters” to lobby the state legislature to enable alternative revenue sources that best fit the needs of the community. One viable source of revenue is from user fees and/or charges for services currently being performed. City-performed services are priced at levels representing the full cost of service, taking into consideration fees charged by providers of similar services. The City performs ongoing reviews of user fee costs incurred and revises service fee prices as required. Total tax revenue was $107,861,553 during 2016 and increased by $11,202,065, or 11.6%, from 2015. This increase was due primarily to an improving local economic and housing market that has increased local income taxes and general property taxes. Total non-tax based revenue was $44,807,865 and decreased $1,252,473, or 2.7%, from 2015. 37 Governmental Fund Expenditures The City accounts for government fund expenditures in eight functional categories as follows: (1) general government, (2) public safety, (3) highways and streets, (4) community and economic development, (5) culture and recreation, (6) bond issuance costs (7) debt service, and (8) capital outlay. The following schedule presents a summary of governmental fund expenditures for the year ended December 31, 2016 with comparison to fiscal year 2015. 2016 % of 2015 % of Actual Total Actual Total General government $ 16,311,633 9.6% $ 8,420,278 4.9% Public safety 64,350,281 37.7% 61,889,405 35.9% Highways and streets 11,294,768 6.6% 12,787,641 7.4% Community and economic development 20,894,153 12.2% 11,068,013 6.4% Culture and recreation 13,070,606 7.6% 12,855,704 7.4% Bond issuance costs 0 0.0% 372,432 0.2% Debt service 17,998,348 10.5% 18,711,690 10.8% Capital outlay 27,056,295 15.8% 46,553,570 27.0% Total Expenditures $ 170,976,084 100.0% $ 172,658,733 100.0% Government fund expenditures in fiscal 2016 of $170,976,084 decreased by $1,682,649, or 1.0%, in comparison to government fund expenditures in fiscal 2015. Capital outlay expenditures decreased by $19,497,275, or 41.9%, during 2016 due primarily to overall increased spending in tax increment financing funds, the County Option Income Tax Fund, the Major Moves Fund, and other capital projects funds during 2015, which did not occur in 2016. Public Safety expenditures continue to be the primary use of government fund resources with 37.7% of expenditures used for this purpose in fiscal 2016. Public safety spending is followed by capital outlay expenditures (15.8%), community and economic development (12.2%), debt service (10.5%), general government (9.6%), culture and recreation (7.6%), and highways and streets (6.6%). General government spending is comprised of the executive offices of the Mayor, Common Council, City Clerk, City Attorney, Controller, Engineering and other administrative functions. Governmental expenditures increased during 2016 due to the allocation of expenditures that were formerly classified as capital costs in 2015. 38 Proprietary funds Condensed Statement of Net Position Revenue, Expenses, and Changes in Fund Net Position As of December 31, 2016 Total assets $ 70,843,131 $ 195,580,693 $ 21,483,621 $ 30,106,608 $ 318,014,053 $ 16,548,865 Total deferred outflows 113,328 2,161,726 - - 2,275,054 - Total liabilities 20,868,465 86,008,309 426,280 10,132,622 117,435,676 3,332,705 Total deferred inflows - - 239,584 3,356 242,940 - Net position: Net investment in capital assets 39,644,547 79,882,890 18,846,844 6,914,693 145,288,974 1,348,906 Restricted for: Debt service fund 50,069 814,230 - - 864,299 - Customer repair and deposit fund 1,541,424 1,752,931 - - 3,294,355 - Cash with fiscal agent 147,437 248,464 -897,564 1,293,465 - Bond reserve fund 1,392,739 4,111,633 - - 5,504,372 - Operating reserve fund 2,457,950 4,627,379 7,085,329 - Capital outlay fund 2,582,972 10,137,217 865,986 335,857 13,922,032 - Unrestricted 2,270,856 10,159,366 1,104,927 11,822,516 25,357,665 11,867,254 Total net position $ 50,087,994 $ 111,734,110 $ 20,817,757 $ 19,970,630 $ 202,610,491 $ 13,216,160 Operating revenues $ 15,091,372 $ 39,061,562 $ 3,483,226 $ 16,219,646 $ 73,855,806 $ 28,609,186 Operating expenses 14,184,457 23,752,666 5,364,472 17,148,792 60,450,387 25,978,738 Operating income (loss)906,915 15,308,896 (1,881,246) (929,146) 13,405,419 2,630,448 Nonoperating rev (exp)(684,605) (2,920,355) 1,027,397 2,629 (2,574,934)107,672 Income (loss) before contributions and transfers 222,310 12,388,541 (853,849) (926,517) 10,830,485 2,738,120 Capital contributions - - 619,001 30,608 649,609 - Transfers in - - - 2,110,468 2,110,468 - Transfers out (2,039,748) (3,672,060)(79,676)-(5,791,484)- Change in net position (1,817,438) 8,716,481 (314,524) 1,214,559 7,799,078 2,738,120 Total net position – beginning 51,905,432 103,017,629 21,132,281 18,756,071 194,811,413 10,478,040 Total net position – ending $ 50,087,994 $ 111,734,110 $ 20,817,757 $ 19,970,630 $ 202,610,491 $ 13,216,160 Internal ServiceWater Utility Wastewater Utility Century Center Other Total Enterprise The City of South Bend maintains two types of proprietary funds: enterprise and internal service. The City maintains seven (7) enterprise funds. Information is presented separately in the Proprietary Statement of Net Position, the Proprietary Statement of Revenues and Expenditures, and Changes in Fund Net Position for the Water Utility, Wastewater Utility and Century Center, which are considered major enterprise funds. Data from the other four (4) non-major enterprise funds (Consolidated Building Department, Parking Garage, Solid Waste, and Emergency Medical Services) are combined into a single, aggregated presentation. 39 The City maintains six (6) internal service funds. The City of South Bend uses internal service funds to account for its business insurance and self-funded liability insurance program, self-funded employee health benefits program, police take-home vehicle program, unemployment compensation claims, 311 call center and central services unit (a department that accounts for expenses related to fuel, vehicle repairs, printing and other services provided to City departments on a cost-reimbursement basis). The internal service funds have been combined into a single, aggregated presentation. As of December 31, 2016, City enterprise funds reported a net position of $202,610,491, an increase of $7,799,078, or 4.0%, from the net position at December 31, 2015. At December 31, 2016, net position includes net investment in capital assets of $145,288,974, restricted net position of $31,963,852 and unrestricted net position of $25,357,665. During 2016, the Water utility experienced a decrease in net position of $1,817,438 and the Wastewater utility experienced an increase in net position of $8,716,481. The Water utility experienced increase operating revenues of $887,087 while the Wastewater utility experienced an increase in operating revenue of $2,426,061. The Wastewater utility had the benefit of a 5% rate increase during 2016 but the Water utility had no rate increase. Through a series of sewer rate increases approved by the South Bend Common Council, the Wastewater utility continues to build its fund balances in order to pay for the mandated Long Term Control Plan, a multi-year program being built by the City to control wastewater overflow events. On March 27, 2017, the Common Council passed an ordinance which will allow the City to increase water rates in 2018 by 22% and in 2019 by 22% provided the rates are also approved by the Indiana Utility Regulatory Commission. During 2016, Century Center experienced a decrease in net position of $314,524, primarily as the result of expenses outpacing revenue in 2016. Nonmajor Enterprise Funds experienced an increase in net position of $1,214,559 during 2016. The Parking Garage Fund reported an increase in net position of $93,169 primarily as the result of deferred capital improvements. The Consolidated Building Fund reported an increase in net position of $684,927 during 2016 as the result of underspending budgeted monies. The Solid Waste Fund reported a decrease in net position of $53,611 and continues to accumulate capital lease debt to finance new trash trucks. A solid waste fee increase of 9.1% was approved for 2016 to help shore up the finances of the fund. 40 Internal Services Funds reported net position of $13,216,160 at December 31, 2016, an increase of $2,738,120, or 26.1%, compared to net position at December 31, 2015. The Liability Insurance Fund increased its net position by $210,902 in 2016 as the result of public safety and parks fund paying into the fund which was not done in 2015 due to budget constraints. The Central Services Fund increased its net position by $7,744. The Self-Funded Employee Benefits Fund had an increase in its net position of $2,393,888 due to a 10% employer rate increase and more modest growth in medical insurance claims. In January 2016, the City opened the Activate Health and Wellness Center for the benefit of employees and their families and to control future health care cost increases. The 311 Call Center is a fully allocated fund which supports most city departments. Therefore, this fund has no fund balance as of December 31, 2016. Fiduciary Funds Fiduciary funds are used to account for resources held for the benefit of parties outside the government. The City maintains six fiduciary funds, which consist of two pension trust funds (1925 Police Pension and 1937 Firefighters’ Pension), one private-purpose trust fund (Cemetery) and three agency funds (Payroll, Police Distributions Payable and Morris/Palais Royale Box Office). Pension Trust Private Purpose Trust Agency Total assets $ 961,577 $427,872 $ 2,930,775 Total liabilities 525 -2,930,775 Total net position $ 961,052 $427,872 $- Total additions 10,889,614 399,329 - Total deductions 11,558,030 - - Changes in net position $ (668,416) $399,329 $- Effective in fiscal 2009, with the passage of State legislation, the State of Indiana began making contributions to the 1925 Police and 1937 Firefighters’ Pension Funds. These funds no longer receive property tax revenue distributions beyond fiscal 2009. The administration of the pension plans is the responsibility of the City. The decline in the net asset position of the pension trust is the result of timing differences in the payment of pension benefits and the contributions received from the State of Indiana (the State reimburses in June and September for expenses paid in the previous calendar year), as well as the cost of healthcare benefits to pension members which are not covered by State contributions. In 2016, the regular Fire Department budget paid retiree health care costs while this change will occur in 2017 for the Police Department. In other words, the 1925 Police and 1937 Firefighters’ pension funds will no longer pay retiree health insurance costs. Rather, these costs will be paid from the regular police and fire operating budgets. 41 The increase in the private purpose trust fund is due to the City taking in cash from a trust fund for the Bowman Cemetery which was previously held in the name of an outside association. These funds will be used for necessary cemetery improvements. General Fund Budgetary Highlights The City prepares an annual budget for General Fund expenditures, which is subject to City of South Bend Common Council approval for adoption, before November 1 of the year preceding the budget period, according to state statute concerning the annual budget of second class cities and towns. The Common Council adopted the 2016 budget at its meeting held in October 2015. The General Fund budget applicable for fiscal 2016 is reported as follows: Actual Budgetary Original Final Basis Variance Revenue $ 53,852,368 $ 56,484,084 $ 56,474,525 $ (9,559) Expenditures 53,852,368 55,117,963 53,862,310 1,255,653 Surplus (deficit) $-$ 1,366,121 $ 2,612,215 $ 1,246,094 General Fund revenue/transfers in was originally budgeted at $53,852,368 for fiscal 2016. During the year, the General Fund revenue/transfers in budget was increased by $2,631,716 to $56,484,084. The budget may be increased or decreased at any time based on updated revenue projections. By closely aligning the budget with actual results, more meaningful analysis is made possible. The revenue/transfers in budget was increased primarily due to an increase in the property tax estimate because of higher collections than anticipated. During 2016, the General Fund collected $56,474,525 in revenue/transfers in on a budgetary basis, which was $2,622,157 higher than the original budget. The primary reason for the revenue pickup was a change in property tax collections that were higher than budgeted due to higher assessed property values and collection rates. General Fund expenditures/transfers out were originally budgeted at $53,852,368 for fiscal 2016. During the year, the General Fund expenditure/transfers out budget were increased by $1,265,595 to $55,117,963. Additional appropriations were passed for Fire Department overtime and other purposes. Carry forward of unspent encumbrances from 2015 also increased the 2016 amended budget. 42 General Fund spending is reviewed on a monthly basis under the direction of the City Controller to ensure spending remains within budgetary constraints. Monthly reviews are conducted as required with General Fund department management to review spending projections to ensure that annual expenditures remain within the budgetary levels. Budget amendments for cost-neutral redistribution between expense categories (i.e., personnel, supplies, services, capital) were submitted to Common Council four times during 2016, as required to adjust the budget to prevent any budget overruns in any expenditure category. Additional appropriations for projects, initiatives, or unbudgeted spending requirements within the General Fund are presented to the Common Council for adoption as deemed necessary by the Mayor. General Fund expenditures/transfers out incurred on a budgetary basis, including cash expended and outstanding encumbrances as of year-end December 31, 2016, amounted to $53,862,310. The expenditures/transfers out and commitments as of year-end December 31, 2016 are less than the 2016 amended General Fund budget by $1,255,653 or 2.2%. The largest savings were in the police and administration/finance department budgets as personnel and other costs spent were less than budgeted due to position vacancies and other factors. Capital Assets and Debt Administration Statement of Capital Assets Governmental Business type Government-wide Activities Activities Activities 2016 2015 2016 2015 2016 2015 Assets not depreciated Land $ 14,707,088 $ 15,106,806 $ 2,614,014 $ 2,614,016 $ 17,321,102 $ 17,720,822 Construction in progress 23,595,717 5,339,423 19,259,541 16,644,050 42,855,258 21,983,473 Total 38,302,805 20,446,229 21,873,555 19,258,066 60,176,360 39,704,295 Assets depreciated Buildings 125,966,988 128,082,279 84,190,901 85,178,794 210,157,889 213,261,073 Non-building improvements 21,377,908 16,616,553 28,186,217 28,186,217 49,564,125 44,802,770 Machinery and equipment 47,301,986 45,543,924 41,959,457 40,171,610 89,261,443 85,715,534 Roads and Infrastructure 437,067,498 434,344,887 210,940,599 199,721,525 648,008,097 634,066,412 Total Cost 631,714,380 624,587,643 365,277,174 353,258,146 996,991,554 977,845,789 Accumulated depreciation Buildings 49,668,561 47,274,258 35,418,271 34,631,698 85,086,832 81,905,956 Non-building improvements 9,936,113 9,242,882 7,441,963 6,193,452 17,378,076 15,436,334 Machinery and equipment 33,115,197 30,808,402 22,720,699 22,524,631 55,835,896 53,333,033 Roads 303,916,980 292,321,510 72,354,498 68,662,837 376,271,478 360,984,347 Total 396,636,851 379,647,052 137,935,431 132,012,618 534,572,282 511,659,670 Net Depreciated Assets 235,077,529 244,940,591 227,341,743 221,245,528 462,419,272 466,186,119 $ 505,890,414 Net Capital Assets $ 273,380,334 $ 265,386,820 $ 249,215,298 $ 240,503,594 $ 522,595,632 43 The investment in capital assets includes land and land improvements, buildings and building improvements, vehicles, information technology equipment, machinery and equipment, and construction in progress. A detailed explanation of these capital assets can be found in the Notes to the Basic Financial Statements. Under the category of roads and infrastructure, the current cost amount of $648,008,097 includes estimated costs derived primarily from the City’s 2006 implementation of GASB Statement No. 34, which required the retroactive reporting of infrastructure capital assets. All other assets are recorded at historical cost. Major Capital Asset Project Spending in 2016 Included in capital asset additions for 2016 were the following projects: •Wastewater - $7.40 million - Digester #2 Upgrades •Wastewater - $5.8 million - Primary Clarifier Rehabilitation •Infrastructure - $2.1 million - Bartlett Street/Memorial Hospital Parking Lot •Infrastructure - $1.0 million - Ignition Park Improvements •Infrastructure - $1.8 million - Western Avenue Streetscape •Wastewater - $13.2 million - Secondary Clarifier Improvements (construction in progress) •Infrastructure - $13.7 million - Main, Michigan, St. Joseph Streetscape (smart streets – construction in progress) Capital Assets Analysis As of December 31, 2016, government-wide capital assets were valued at $522,595,632, net of accumulated depreciation, an increase of $16,705,218, or 3.3%, since December 31, 2015. Construction in Progress increased by $20,871,785, and capitalized assets in land, buildings, improvements, machinery and equipment, and roads decreased by $3,766,847, net of depreciation, since December 31, 2015. On January 1, 2013, the City instituted a new capitalization policy that included significantly higher thresholds for expenditures to qualify as capital assets. Consequently, many purchases formerly considered as capital assets no longer qualify as such. The asset decrease is the result of fewer assets being added to the register as those assets that remain continue to depreciate. At December 31, 2016, the cost of Roads & Infrastructure ($648,008,097) was the major asset class followed by Buildings ($210,157,889) and Machinery & Equipment ($89,261,443). Total depreciation expense was $31,308,797 for 2016, as compared to $30,426,526 for 2015. Depreciation expense was $19,840,701 for governmental activities and $11,468,096 for business- type activities for 2016. Additional information on capital assets can be found in the notes to the financial statements in Note 6. 44 Debt Administration Outstanding debt principal as of December 31, 2016 was $236,909,378, a decrease of $14,728,071, or 5.9%, from 2015. City outstanding debt includes revenue bonds, mortgage bonds, notes and loans payable and capital leases. Type Beginning Additions Retirements Ending Revenue bonds 210,687,811$ 3,300,000$ (19,470,632)$ 194,517,179$ Mortgage bonds 19,756,538 - (2,108,123) 17,648,415 Notes and loans 8,290,651 - (1,061,065) 7,229,586 Capital leases 12,902,449 8,898,799 (4,287,050) 17,514,198 Total Debt 251,637,449$ 12,198,799$ (26,926,870)$ 236,909,378$ During 2016, the City entered into capital lease agreements in the amount of $8.90 million to purchase certain vehicles, copiers, and equipment. The lease terms are typically for five years with semi-annual debt service paid from the operating budgets of the user departments. Capital lease financing is used to acquire police vehicles, public works vehicles, computer replacements, copiers and other vehicles and equipment. The City solicits competitive financing proposals for lease financing from local and national companies and the interest rate achieved during 2016 was on average less than 2% for these leases. During 2016, the City refunded Waterworks bond in the amount of $3,300,000 to take advantage of lower interest rates. The net present value of the interest savings is $160,657 over the remaining term of the bonds. Under the Indiana Constitution and State statute, the City's general obligation bonded debt and certain other debt is subject to a legal limitation based upon 2% of total assessed value of real and personal property. The City had no general obligation bonded debt outstanding at December 31, 2016 and none of the above debt issuance amounts are subject to this debt limitation. A calculation of the City’s legal debt limitation can be found in the statistical debt capacity section of this document. Additional information on debt can be found in the Notes to Financial Statements in Note 8 - Leases and Note 9 - Long-term Debt. Significant Subsequent Events On January 18, 2017, the City paid off the 2005 Southside Tax Incremental Financing (TIF) revenue bonds’ $3,800,000 outstanding balance. This early debt payoff was paid from the TIF No. 3 - Southside Development fund, a nonmajor capital project fund. These bonds had a February 1, 2027 original maturity. On January 23, 2017, the Common Council approved the Eddy Street Commons Phase 2 revenue bonds in an amount not to exceed $25 million. These bonds are financing infrastructure public improvements. 45 On March 27, 2017, the Common Council approved a water rate increase of 22 percent in 2018 and a second increase of 22 percent in 2019 to fund the operating and capital needs of the Water Utility. These rate increases will be effective if approved by the Indiana Utility Regulatory Commission. Economic Factors and 2017 Budget Economic Factors Property tax revenue, historically and at present, is the principal source of revenue for funding of governmental activities within the City of South Bend. The State of Indiana General Assembly enacted property tax reform legislation in March 2008. Known as the “Circuit Breaker”, House Enrolled Act 1001 (HEA 1001) limits property taxes paid to 1% of gross assessed value for residential homesteads, 2% for agricultural/rental properties, and 3% for all other real and personal property. Under current legislation, all Indiana localities assess properties based on market values. Each year properties are “trended”, which involves comparing property values to sales activity in the neighborhood and adjusting the current assessed values up or down according to the trended data. The Circuit Breaker legislation was phased in commencing in fiscal 2009 and has led to significant reductions in property tax revenues available to fund city governmental operations since then. In 2016, the primary funds supported by property taxes (General Fund, Parks and Recreation Fund, and Cumulative Capital Development Fund) lost approximately $30.9 million in taxable property tax levy due to the circuit breaker caps (Indiana Legislative Services Agency, Circuit Breaker Report, December 2016). As a consequence of the state enacted legislation in 2008, the City enacted a 0.95% local option income tax increase to partially offset the property tax revenue loss. The local option tax increase became effective in October 2009, and has resulted in an increase in local income taxes available to the City to fund ongoing governmental operations of public safety, parks and recreation, highways and streets and general government. Management of the City of South Bend will continue to oversee the financial affairs from a posture of fiscal conservatism similar to the management practices engaged in during fiscal 2016. Special attention will be given to maintaining adequate fund reserves in the General Fund and the income tax funds as they are very important to the continued financial strength of the City. City Management believes that the national economic recovery will continue according to the predictions of governmental economists, with low to zero inflation over the next fiscal period. In addition, job creation is the primary engine to drive economic recovery, as the Congressional Budget Office (CBO) predicts a growth in Gross Domestic Product (GDP) of 2.1% for 2017. Unemployment rates in the South Bend-Mishawaka Metropolitan Area continue to improve and were 4.8% in January 2017 as compared to a high of 13.0% in January 2010 (Bureau of Labor Statistics). 46 2017 Budget and Beyond The City will engage to ensure effective delivery of required services to taxpayers and residents within the constraints of available financial resources. The City will continue to provide required services within the constraints of a balanced General Fund budget. For 2017 and 2018, the City has enacted a “zero growth” budget expenditure target goal for all funds supported by property and income tax revenue. In addition, the City has engaged in a process of program budgeting with the Center for Priority Based Budgeting for the 2017 and 2018 budgets. This program budgeting is in addition to the state-required fund and account budgeting through the Indiana Department of Local Government Finance. Preliminary projections of circuit breaker property tax losses indicate a potential decline of property tax revenue of $2.54 million dollar in the General Fund, $510 thousand dollars in the Parks & Recreation Fund and $3.8 million dollars in the Tax Increment Financing funds in fiscal year 2020 due to the expiration of some special credits to local governments in Saint Joseph County and Lake County. City Management is aware of this fiscal situation and is developing strategies to address this matter. One strategy is to maintain a well-financed Rainy Day Fund. This fund received a special distribution of county option income tax funds of $1.4 million dollars in May 2016 and had cash reserves of $10.2 million dollars at February 28, 2017. No spending is currently planned for this fund. Through its Office of Innovation, the City continues to pursue reengineering programs targeted to create efficiency and cost improvements within City operations. These include purchasing process reengineering, back-office process improvements for human resources, performance management and other customer service operations. These initiatives, upon successful deployment completion, will achieve the desired results to create efficiency gains in the delivery of services to taxpayers. The City is committed to creating a budget for fiscal 2018 that will remain fiscally responsible to the effective delivery of required services to city residents and stakeholders within the existing revenue constraints. Specific concerns for the 2018 budget include the continuing impact of circuit breaker property tax reform on City revenue, high health and pension costs and other stagnant or declining revenue sources such as gasoline, wheel and auto excise taxes. 47 Requests for Information This Management’s Discussion and Analysis, as contained within the City of South Bend Comprehensive Annual Financial Report, is intended to provide readers with a general overview of the financial condition of the City of South Bend as of December 31, 2016. Questions concerning any of the information provided in this report, or requests for additional information, should be addressed to: John H. Murphy, CFO City of South Bend Department of Administration and Finance 227 W. Jefferson Boulevard, 12th Floor South Bend, Indiana 46601 Telephone 574-235-7678 Email jmurphy@southbendin.gov Jennifer C. Hockenhull, Controller City of South Bend Department of Administration and Finance 227 W. Jefferson Boulevard, 12th Floor South Bend, Indiana 46601 Telephone 574-235-9822 Email jhockenh@southbendin.gov City of South Bend June 30, 2017 48 City of South Bend, Indiana Statement of Net Position December 31, 2016 Primary Government Governmental Activities Business-type Activities Total Assets Cash and cash equivalents $ 58,142,559 $ 7,234,289 $ 65,376,848 Investments 133,745,451 20,397,926 154,143,377 Receivables: Taxes 153,965 -153,965 Accounts 544,503 8,492,882 9,037,385 Interest 318,143 96,829 414,972 Intergovernmental 960,421 -960,421 Loans 5,336,870 - 5,336,870 Allowance for doubtful accounts -(130,000) (130,000) Internal balances 80,588 (80,588)- Inventory 906,849 672,513 1,579,362 Prepaid expenses 614,061 41,001 655,062 Restricted assets 1,100 31,963,851 31,964,951 Property held for resale 13,718,551 - 13,718,551 Capital assets: Assets not subject to depreciation 38,302,805 21,873,555 60,176,360 Assets subject to depreciation 235,077,529 227,341,743 462,419,272 Total assets 487,903,395 317,904,001 805,807,396 Deferred Outflows of Resources Unamortized loss on refunding 2,291,565 2,275,054 4,566,619 Deferred outflows related to pensions 26,285,600 -26,285,600 Total deferred outflows of resources 28,577,165 2,275,054 30,852,219 Liabilities Accounts payable 6,609,556 3,733,489 10,343,045 Due to other governmental units -101,142 101,142 Performance deposits payable 86,452 5,000 91,452 Accrued liabilities and other: Accrued payroll payable 1,304,006 473,573 1,777,579 Accrued interest payable 46,131 294,143 340,274 Taxes payable 2,314 -2,314 Customer deposits payable - 1,698,134 1,698,134 Other current payables 3,659 68,664 72,323 Noncurrent liabilities: Due within one year: Accrued interest payable from restricted assets 1,657,778 - 1,657,778 Compensated absences 4,756,341 750,238 5,506,579 Notes and loans payable 210,266 183,384 393,650 Mortgage bonds payable 1,744,275 295,725 2,040,000 Claims payable 2,317,615 - 2,317,615 Capital leases 2,858,050 2,071,583 4,929,633 Revenue bonds payable 11,962,653 8,210,000 20,172,653 The Notes to Financial Statements are an Integral Part of this Statement.49 City of South Bend, Indiana Statement of Net Position (Continued) December 31, 2016 Primary Government Governmental Activities Business-type Activities Total Liabilities (Continued) Noncurrent liabilities (Continued): Due in more than one year: Notes and loans payable $ 4,437,115 $ 2,398,821 $ 6,835,936 Mortgage bonds payable 10,347,275 5,261,141 15,608,416 Capital leases 8,071,025 4,513,540 12,584,565 Net OPEB obligation 13,285,244 - 13,285,244 Net pension liability 180,714,296 - 180,714,296 Revenue bonds payable 87,077,479 87,267,047 174,344,526 Total liabilities 337,491,530 117,325,624 454,817,154 Deferred Inflows of Resources Unamortized service agreement - 239,584 239,584 Unamortized gain on sale/leaseback -3,356 3,356 Deferred inflows related to pensions 16,306,392 -16,306,392 Total deferred inflows of resources 16,306,392 242,940 16,549,332 Net Position Net investment in capital assets 161,341,318 145,288,974 306,630,292 Restricted for: Debt service fund 5,382,083 864,299 6,246,382 Customer repair and deposit fund - 3,294,355 3,294,355 Cash with fiscal agent - 1,293,465 1,293,465 Bond reserve fund 3,287,034 5,504,372 8,791,406 Operating reserve fund - 7,085,329 7,085,329 Capital outlay fund - 13,922,032 13,922,032 Unrestricted (7,327,797)25,357,665 18,029,868 Total net position $ 162,682,638 $ 202,610,491 $ 365,293,129 The Notes to Financial Statements are an Integral Part of this Statement.50 City of South Bend, Indiana Program Revenues Expenses Charges for Services Operating Grants and Contributions Capital Grants and Contributions Functions/Programs Primary government: Governmental activities: General government $ 15,618,817 $ 1,622,788 $ 732,782 $ - Public safety 55,029,909 975,712 325 - Highways and streets 13,550,535 707,547 179,720 - Community and economic development 28,436,368 481,293 1,057,658 - Culture and recreation 17,156,094 4,383,977 673,787 - Interest on long-term debt 4,727,630 --- Total governmental activities 134,519,353 8,171,317 2,644,272 - Business-type activities: Water Utility 14,900,039 15,091,372 -- Wastewater Utility 26,420,526 39,061,562 -- Century Center 5,364,472 4,796,676 -619,001 Consolidated Building 3,240,172 1,764,100 -30,608 Parking Garage 909,857 996,197 -- Solid Waste 5,794,913 5,839,143 -- Emergency Medical Services 7,437,349 7,921,172 -- Total business-type activities 64,067,328 75,470,222 -649,609 Total primary government $ 198,586,681 $ 83,641,539 $ 2,644,272 $ 649,609 General revenues: Property taxes Income taxes Grants and contributions not restricted to specific programs Investment income Other miscellaneous income Gain (loss) on sale of fixed assets Total general revenues Transfers Change in Net Position Net Position - Beginning of year Net Position - End of year The Notes to Financial Statements are an Integral Part of this Statement.51 Statement of Activities Year Ended December 31, 2016 Net (Expense) Revenue and Changes in Net Position Primary Government Governmental Activities Business-type Activities Total $ (13,263,247) $- $ (13,263,247) (54,053,872)-(54,053,872) (12,663,268)-(12,663,268) (26,897,417)-(26,897,417) (12,098,330)-(12,098,330) (4,727,630)-(4,727,630) (123,703,764)- (123,703,764) -191,333 191,333 -12,641,036 12,641,036 -51,205 51,205 -(1,445,464) (1,445,464) -86,340 86,340 -44,230 44,230 -483,823 483,823 -12,052,503 12,052,503 (123,703,764) 12,052,503 (111,651,261) 76,331,581 - 76,331,581 31,463,184 - 31,463,184 25,846,397 - 25,846,397 1,458,787 570,982 2,029,769 6,745,542 - 6,745,542 -(1,143,391)(1,143,391) 141,845,491 (572,409) 141,273,082 3,681,016 (3,681,016)- 21,822,743 7,799,078 29,621,821 140,859,895 194,811,413 335,671,308 $ 162,682,638 $ 202,610,491 $ 365,293,129 52 City of South Bend, Indiana General Fund Parks and Recreation Public Safety LOIT COIT EDIT Assets Cash and cash equivalents $ 3,710,448 $ 1,001,514 $ 209,382 $ 1,992,931 $ 2,483,512 Investments 30,638,155 3,488,926 729,415 6,942,676 8,651,688 Receivables: Taxes ----- Accounts 152,799 1,670 -920 150,000 Interest 71,819 8,144 1,742 16,696 20,679 Intergovernmental 63,498 ---- Loans ----- Due from other funds 47,376 ---- Advances to other funds 494,730 -- 1,351,598 - Inventory -27,113 --- Property held for resale ---174,999 270,001 Total assets $ 35,178,825 $ 4,527,367 $ 940,539 $ 10,479,820 $ 11,575,880 Liabilities Accounts payable $ 272,439 $ 49,534 $- $ 442,554 $ 375,991 Due to other funds 19,935 6,066 --- Advances from other funds ----- Performance deposits payable 73,106 2,618 - - - Accrued liabilities and other: Accrued payroll payable 858,870 122,918 114,082 23,299 - Taxes payable 1,853 461 --- Other current payables ----- Total liabilities 1,226,203 181,597 114,082 465,853 375,991 Fund Balances Nonspendable 494,730 27,113 - 1,526,597 270,001 Restricted - 4,318,657 826,457 -- Committed ----- Assigned 1,380,036 -- 8,487,370 10,929,888 Unassigned 32,077,856 ---- Total fund balances 33,952,622 4,345,770 826,457 10,013,967 11,199,889 Total liabilities and fund balances $ 35,178,825 $ 4,527,367 $ 940,539 $ 10,479,820 $ 11,575,880 The Notes to Financial Statements are an Integral Part of this Statement.53 Governmental Funds Balance Sheet December 31, 2016 Rainy Day River West TIF Nonmajor Funds Total $ 2,267,458 $ 7,238,085 $ 36,120,468 $ 55,023,798 7,899,033 25,214,956 39,412,161 122,977,010 - 8,475 145,490 153,965 - - 173,625 479,014 18,923 60,086 94,238 292,327 - 28,848 868,075 960,421 - 201,374 5,135,496 5,336,870 - - 30,048 77,424 - - 4,468,117 6,314,445 - - - 27,113 -9,583,608 3,689,943 13,718,551 $ 10,185,414 $ 42,335,432 $ 90,137,661 $ 205,360,938 $- $ 998,726 $ 3,763,296 $ 5,902,540 -18,475 58,007 102,483 -400,000 5,883,254 6,283,254 -3,232 7,496 86,452 --119,847 1,239,016 ---2,314 --3,659 3,659 - 1,420,433 9,835,559 13,619,718 - 9,583,608 12,158,948 24,060,997 - 31,331,391 65,350,135 101,826,640 - - 2,698,694 2,698,694 10,185,414 - 2,396,118 33,378,826 --(2,301,793)29,776,063 10,185,414 40,914,999 80,302,102 191,741,220 $ 10,185,414 $ 42,335,432 $ 90,137,661 $ 205,360,938 54 City of South Bend, Indiana General Fund Parks and Recreation Public Safety LOIT COIT EDIT Revenue Property taxes $ 39,362,139 $ 7,902,995 $ - $ - $ - Income taxes - - 6,791,160 9,454,023 9,594,602 Licenses and permits 224,677 ---- Professional sports development taxes ----- Intergovernmental 15,437,682 667,306 --- Charges for services 1,973,484 1,679,829 -560,276 150,000 Fines and forfeitures 10,716 ---354,660 Investment income 228,292 23,834 7,033 97,746 93,264 Rental income -3,474 --- Other revenue 5,233,773 135,820 -77,181 3,034 Total revenue 62,470,763 10,413,258 6,798,193 10,189,226 10,195,560 Expenditures Current: General government 4,932,618 -- 9,284,181 1,631,294 Public safety 56,211,109 - 6,525,003 -- Highways and streets 989,907 ---- Community and economic development ----- Culture and recreation 1,415,100 10,640,291 --- Capital outlay ----- Debt service: Principal 23,687 189,555 - 1,214,597 835,000 Interest on long-term debt 3,318 5,785 -145,944 49,030 Total expenditures 63,575,739 10,835,631 6,525,003 10,644,722 2,515,324 Excess of Revenue (Under) Over Expenditures (1,104,976) (422,373) 273,190 (455,496) 7,680,236 Other Financing Sources (Uses) Issuance of debt 10,924 21,393 - 15,855 - Proceeds from sale of capital assets ----- Transfers in 4,627,122 926,268 - 3,039 - Transfers out (202,504)--(2,609,041)(6,709,570) Total other financing sources (uses)4,435,542 947,661 -(2,590,147)(6,709,570) Net Change in Fund Balances 3,330,566 525,288 273,190 (3,045,643) 970,666 Fund Balances - Beginning of year 30,622,056 3,820,482 553,267 13,059,610 10,229,223 Fund Balances - End of year $ 33,952,622 $ 4,345,770 $ 826,457 $ 10,013,967 $ 11,199,889 The Notes to Financial Statements are an Integral Part of this Statement.55 Governmental Funds Statement of Revenue, Expenditures, and Changes in Fund Balances Year Ended December 31, 2016 Rainy Day River West TIF Nonmajor Funds Total $- $ 17,513,853 $ 10,945,595 $ 75,724,582 1,405,850 - 4,217,549 31,463,184 ---224,677 --673,787 673,787 -396,000 11,458,825 27,959,813 -- 2,698,519 7,062,108 --391,405 756,781 86,865 279,969 807,524 1,624,527 -88,616 137,699 229,789 -394,785 1,105,577 6,950,170 1,492,715 18,673,223 32,436,480 152,669,418 - - 463,540 16,311,633 - - 1,614,169 64,350,281 - - 10,304,861 11,294,768 - 13,765,421 7,128,732 20,894,153 - - 1,015,215 13,070,606 - - 27,056,295 27,056,295 - 2,485,000 8,307,488 13,055,327 -1,108,396 3,630,548 4,943,021 -17,358,817 59,520,848 170,976,084 1,492,715 1,314,406 (27,084,368) (18,306,666) - - 4,950,881 4,999,053 - 458,746 82,335 541,081 - 22,199 13,962,422 19,541,050 -(2,623,500)(3,715,419)(15,860,034) -(2,142,555)15,280,219 9,221,150 1,492,715 (828,149) (11,804,149) (9,085,516) 8,692,699 41,743,148 92,106,251 200,826,736 $ 10,185,414 $ 40,914,999 $ 80,302,102 $ 191,741,220 56 City of South Bend, Indiana Proprietary Funds Statement of Net Position December 31, 2016 Enterprise Funds Governmental Activities Water Utility Wastewater Utility Century Center Nonmajor Enterprise Total Proprietary Internal Service Fund Assets Current assets: Cash and cash equivalents $ 848,168 $ 2,964,074 $ 1,380,151 $ 2,041,896 $ 7,234,289 $ 3,118,761 Investments 2,953,621 10,325,798 - 7,118,507 20,397,926 10,768,441 Receivables: Accounts 698,698 2,888,911 355,233 4,550,040 8,492,882 65,489 Interest 22,128 57,009 -17,692 96,829 25,816 Allowance for doubtful accounts (50,000) (80,000)--(130,000)- Due from other funds 25,223 3,041 -1,200 29,464 78,744 Inventory 469,161 171,415 31,937 -672,513 879,736 Prepaid expenses 9,167 28,364 3,470 -41,001 202,716 Total current assets 4,976,166 16,358,612 1,770,791 13,729,335 36,834,904 15,139,703 Noncurrent assets: Restricted assets 8,172,590 21,691,854 865,986 1,233,421 31,963,851 1,100 Capital assets: Assets not subject to depreciation 376,951 19,623,750 713,434 1,159,420 21,873,555 - Assets subject to depreciation 57,317,424 137,906,477 18,133,410 13,984,432 227,341,743 1,408,062 Total noncurrent assets 65,866,965 179,222,081 19,712,830 16,377,273 281,179,149 1,409,162 Total assets 70,843,131 195,580,693 21,483,621 30,106,608 318,014,053 16,548,865 Deferred Outflows of Resources - Unamortized loss on refunding 113,328 2,161,726 --2,275,054 - Liabilities Current liabilities: Accounts payable 562,715 2,432,600 264,090 474,084 3,733,489 707,016 Due to other governmental units ---101,142 101,142 - Due to other funds 72,095 4,330 -2,436 78,861 4,288 Performance deposits payable ---5,000 5,000 - Accrued liabilities and other: Accrued payroll payable 98,886 198,967 -175,720 473,573 64,990 Accrued interest payable 6,630 193,294 -94,219 294,143 83 Customer deposits payable 1,561,223 -136,911 - 1,698,134 - Other current payables 43,385 -25,279 -68,664 - Compensated absences 245,114 266,190 -238,934 750,238 179,557 Notes and loans payable 20,912 162,472 --183,384 - Mortgage bonds payable -70,725 -225,000 295,725 - Claims payable -----2,317,615 Capital leases 210,934 595,824 - 1,264,825 2,071,583 13,577 Revenue bonds payable 1,375,000 6,835,000 --8,210,000 - Total current liabilities 4,196,894 10,759,402 426,280 2,581,360 17,963,936 3,287,126 Noncurrent liabilities: Advances from other funds ---31,191 31,191 - Notes and loans payable 311,650 2,087,171 -- 2,398,821 - Mortgage bonds payable -270,739 - 4,990,402 5,261,141 - Capital leases 728,876 1,254,995 - 2,529,669 4,513,540 45,579 Revenue bonds payable 15,631,045 71,636,002 --87,267,047 - Total noncurrent liabilities 16,671,571 75,248,907 -7,551,262 99,471,740 45,579 Total liabilities 20,868,465 86,008,309 426,280 10,132,622 117,435,676 3,332,705 Deferred Inflows of Resources Unamortized service agreement --239,584 -239,584 - Unamortized gain on sale/leaseback ---3,356 3,356 - Total deferred inflows of resources --239,584 3,356 242,940 - The Notes to Financial Statements are an Integral Part of this Statement.57 City of South Bend, Indiana Proprietary Funds Statement of Net Position (Continued) December 31, 2016 Enterprise Funds Governmental Activities Water Utility Wastewater Utility Century Center Nonmajor Enterprise Total Proprietary Internal Service Fund Net Position Net investment in capital assets: $ 39,644,547 $ 79,882,890 $ 18,846,844 $ 6,914,693 $ 145,288,974 $ 1,348,906 Debt service fund 50,069 814,230 - - 864,299 - Customer repair and deposit fund 1,541,424 1,752,931 - - 3,294,355 - Cash with fiscal agent 147,437 248,464 - 897,564 1,293,465 - Bond reserve fund 1,392,739 4,111,633 - - 5,504,372 - Operating reserve fund 2,457,950 4,627,379 - - 7,085,329 - Capital outlay fund 2,582,972 10,137,217 865,986 335,857 13,922,032 - Unrestricted 2,270,856 10,159,366 1,104,927 11,822,516 25,357,665 11,867,254 Total net position $ 50,087,994 $ 111,734,110 $ 20,817,757 $ 19,970,630 $ 202,610,491 $ 13,216,160 The Notes to Financial Statements are an Integral Part of this Statement.58 City of South Bend, Indiana Proprietary Funds Statement of Revenue, Expenses, and Changes in Net Position Year Ended December 31, 2016 Enterprise Funds Governmental Activities Water Utility Wastewater Utility Century Center Nonmajor Enterprise Total Proprietary Internal Service Fund Operating Revenue Metered revenue $ 10,149,170 $ 38,219,093 $ - $ - $ 48,368,263 $ - Convention fees - - 3,362,396 - 3,362,396 - Fire protection revenue 2,000,428 - - - 2,000,428 - Licenses and permits - - - 1,752,497 1,752,497 - Interest and penalty charges 76,957 667,656 - - 744,613 - Parking fees - - 110,792 993,845 1,104,637 - Solid waste fees - - - 5,511,281 5,511,281 - Employee/Employer contributions -----21,121,497 Charges for sales and services --- 7,822,894 7,822,894 7,371,837 Water leak insurance revenue 974,068 ---974,068 - Charges to other funds 1,414,956 --- 1,414,956 - Other 475,793 174,813 10,038 139,129 799,773 115,852 Total operating revenue 15,091,372 39,061,562 3,483,226 16,219,646 73,855,806 28,609,186 Operating Expenses Cost of water 6,531,883 - - - 6,531,883 - Cost of sewage treatment - 14,414,508 - - 14,414,508 - Other operation and maintenance - - - 14,535,669 14,535,669 9,071,629 General and administration 2,359,837 2,505,862 4,302,253 1,142,300 10,310,252 1,172,912 Insurance claims and premiums -----15,585,171 Plumbing contractors 1,045,518 - - - 1,045,518 - Customer service 2,144,461 - - - 2,144,461 - Depreciation 2,102,758 6,832,296 1,062,219 1,470,823 11,468,096 149,026 Total operating expenses 14,184,457 23,752,666 5,364,472 17,148,792 60,450,387 25,978,738 Operating Income (Loss)906,915 15,308,896 (1,881,246) (929,146) 13,405,419 2,630,448 Nonoperating Revenue (Expenses) Investment income 115,235 374,035 932 80,780 570,982 112,274 Hotel/Motel tax revenue -- 1,313,450 - 1,313,450 - Interest expense (715,582) (2,667,860)-(233,499) (3,616,941)- (Loss) gain on sale of assets (84,258) (626,530) (286,985) (145,618) (1,143,391) (4,330) Debt service charge -----(272) Other nonoperating general revenue ---300,966 300,966 - Total nonoperating (expenses) revenue (684,605)(2,920,355)1,027,397 2,629 (2,574,934)107,672 Income (Loss) - Before contributions 222,310 12,388,541 (853,849) (926,517) 10,830,485 2,738,120 Capital Contributions - Other capital contributions --619,001 30,608 649,609 - Transfers In --- 2,110,468 2,110,468 - Transfers Out (2,039,748)(3,672,060)(79,676)-(5,791,484)- Change in Net Position (1,817,438) 8,716,481 (314,524) 1,214,559 7,799,078 2,738,120 Net Position - Beginning of year 51,905,432 103,017,629 21,132,281 18,756,071 194,811,413 10,478,040 Net Position - End of year $ 50,087,994 $ 111,734,110 $ 20,817,757 $ 19,970,630 $ 202,610,491 $ 13,216,160 The Notes to Financial Statements are an Integral Part of this Statement.59 City of South Bend, Indiana Fiduciary Funds Statement of Fiduciary Net Position December 31, 2016 Pension Trust Funds Private- Purpose Trust Fund Agency Funds Assets Cash and cash equivalents $ 213,763 $ 6,413 $ 2,930,775 Investments 744,677 22,340 - Receivables - Interest 1,870 54 - Receivables - Accounts 1,267 399,065 - Total assets $ 961,577 $ 427,872 $ 2,930,775 Liabilities Accounts payable $ 170 $ - $ - Accrued liabilities and other 355 - 420,885 Customer deposits payable -- 1,692,774 Police distribution payable --817,116 Total liabilities 525 -$ 2,930,775 Net Position $ 961,052 $ 427,872 The Notes to Financial Statements are an Integral Part of this Statement.60 City of South Bend, Indiana Fiduciary Funds Statement of Changes in Fiduciary Net Position Year Ended December 31, 2016 Pension Trust Funds Private-Purpose Trust Fund Additions Investment income - Interest and dividends $ 9,565 $ 262 Contributions: On behalf 10,858,021 - Other 22,028 399,067 Total contributions 10,880,049 399,067 Total additions 10,889,614 399,329 Deductions Benefit payments 11,529,995 - Administrative expenses 28,035 - Total deductions 11,558,030 - Net (Decrease) Increase in Net Position (668,416) 399,329 Net Position - Beginning of year 1,629,468 28,543 Net Position - End of year $ 961,052 $ 427,872 The Notes to Financial Statements are an Integral Part of this Statement.61 Statistical Section Net Position by Component Last Ten Fiscal Years 2007 2008 2009 2010 2011 2012 2013 2014 (1) 2015 (1)2016 Governmental activities Invested in capital assets, net of related debt 200,634,954$ 178,178,047$ 178,483,535$ 186,771,216$ 196,265,413$ 202,779,954$ 192,190,446$ 168,275,521$ 157,604,691$ 161,341,318$ Restricted 5,370,627 11,077,687 12,825,227 8,840,610 9,354,772 8,050,418 7,990,172 8,723,878 9,137,552 8,669,117 Unrestricted 47,150,229 56,786,214 82,877,695 96,539,932 82,271,482 71,992,457 86,413,227 (18,581,970) (25,882,348) (7,327,797) Total governmental activities net position 253,155,810$ 246,041,948$ 274,186,457$ 292,151,758$ 287,891,667$ 282,822,829$ 286,593,845$ 158,417,429$ 140,859,895$ 162,682,638$ Business-type activities Invested in capital assets, net of related debt 112,194,451$ 124,705,327$ 119,607,643$ 122,108,095$ 103,463,004$ 113,193,929$ 114,506,252$ 136,685,811$ 141,998,384$ 145,288,974$ Restricted 8,273,257 8,630,542 14,075,339 13,320,967 12,937,988 29,259,933 48,267,664 26,587,012 28,397,290 31,963,852 Unrestricted 15,793,782 9,209,917 12,597,138 19,262,192 45,733,630 26,957,505 7,906,258 22,426,017 24,415,739 25,357,665 Total business-type activities net position 136,261,490$ 142,545,786$ 146,280,120$ 154,691,254$ 162,134,622$ 169,411,367$ 170,680,174$ 185,698,840$ 194,811,413$ 202,610,491$ Primary government Invested in capital assets, net of related debt 312,829,405$ 302,883,374$ 298,091,178$ 308,879,311$ 299,728,417$ 315,973,883$ 306,696,698$ 304,961,332$ 299,603,075$ 306,630,292$ Restricted 13,643,884 19,708,229 26,900,566 22,161,577 22,292,760 37,310,351 56,257,836 35,310,890 37,534,842 40,632,969 Unrestricted 62,944,011 65,996,131 95,474,833 115,802,124 128,005,112 98,949,962 94,319,485 3,844,047 (1,466,609) 18,029,868 Total primary government net position 389,417,300$ 388,587,734$ 420,466,577$ 446,843,012$ 450,026,289$ 452,234,196$ 457,274,019$ 344,116,269$ 335,671,308$ 365,293,129$ (1) The City implemented the reporting of net pension liability through GASB 68 during 2015. 2014 was restated. Net position is defined as the difference between total assets and deferred outflows of resources less total liabilities and deferred inflows of resources and can generally be thought of as the net worth of the City of South Bend. Source - City of South Bend Comprehensive Annual Financial Reports (includes prior period adjustments)62 Statistical Section Changes in Net Position Last Ten Fiscal Years 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Expenses Governmental activities: General Government (13,680,203)$ (10,253,389)$ (7,903,378)$ (8,261,861)$ (16,783,351)$ (13,788,310)$ (13,200,898)$ (19,013,453)$ (21,572,776)$ (15,618,817)$ Public Safety (52,751,974) (49,728,256) (50,800,573) (62,106,991) (73,530,442) (69,977,237) (76,023,819) (68,783,155) (56,528,448) (55,029,909) Highways and Streets (17,904,129) (22,292,012) (15,042,344) (9,526,537) (7,574,003) (14,639,158) (20,915,815) (13,031,500) (20,045,444) (13,550,535) Health and Welfare (75,000) (75,000) - - - - - - - - Community and Economic Development (18,206,948) (27,299,233) (4,335,618) (30,744,012) (34,648,975) (20,217,987) (10,069,690) (19,780,791) (40,727,612) (28,436,368) Culture and Recreation (16,454,667) (18,311,807) (17,981,839) (16,036,194) (15,566,794) (21,724,589) (26,846,471) (16,802,311) (20,300,768) (17,156,094) Bond Issuance Costs - - - - - - - - (372,432) - Interest on Long-Term Debt (5,859,102) (7,080,166) (8,049,610) (7,339,548) (6,798,531) (6,134,406) (5,961,124) (2,497,849) (4,762,714) (4,727,630) Total governmental activities expenses (124,932,023)$ (135,039,863)$ (104,113,362)$ (134,015,143)$ (154,902,096)$ (146,481,687)$ (153,017,817)$ (139,909,059)$ (164,310,194)$ (134,519,353)$ Business-type activities: Water (13,061,750)$ (13,492,744)$ (12,584,679)$ (12,525,246)$ (11,972,840)$ (12,228,014)$ (15,221,865)$ (13,020,610)$ (13,609,378)$ (14,900,039)$ Wastewater (18,295,813) (23,020,991) (27,047,143) (21,403,663) (22,260,005) (23,809,975) (26,390,790) (25,521,753) (25,737,867) (26,420,526) Century Center (3,490,103) (3,562,285) (3,488,266) (2,989,586) (3,100,484) (2,929,268) (4,330,656) (4,747,838) (4,854,747) (5,364,472) Consolidated Building Department (1)(1,090,327) (1,108,940) (1,113,867) (930,120) (871,299) (909,376) (1,131,815) (3,242,320) (3,552,347) (3,240,172) Parking Garage (1,444,146) (1,466,200) (1,471,960) (1,438,288) (1,467,646) (1,721,655) (1,285,056) (1,660,596) (2,139,182) (909,857) Solid Waste (4,072,910) (4,299,846) (4,036,001) (4,204,056) (4,962,157) (5,118,806) (5,091,588) (5,811,526) (5,243,972) (5,794,913) Blackthorn Golf Course (1,811,801) (1,829,122) (1,881,982) (1,995,556) (1,689,042) (1,841,998) (1,497,513) (1,874,962) (165,977) - Emergency Medical Services (2)- - - - - - - - (6,596,206) (7,437,349) Total business-type activities net expenses (43,266,850) (48,780,128) (51,623,898) (45,486,515) (46,323,473) (48,559,092) (54,949,283) (55,879,605) (61,899,676) (64,067,328) Total primary government net position (168,198,873)$ (183,819,991)$ (155,737,260)$ (179,501,658)$ (201,225,569)$ (195,040,779)$ (207,967,100)$ (195,788,664)$ (226,209,870)$ (198,586,681)$ 63 Statistical Section Changes in Net Position (Continued) Last Ten Fiscal Years 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Governmental activities: Charges for services: General Government 6,553,121$ 6,647,223$ 6,855,830$ 6,964,269$ 1,165,018$ 2,100,103$ 1,939,865$ 1,451,438$ 1,188,531$ 1,622,788$ Public Safety 4,228,405 5,035,433 5,051,827 4,916,958 4,096,566 5,079,182 5,210,272 4,992,228 529,386 975,712 Highways and Streets - - 5,152 28,110 227,000 291,840 451,363 728,343 676,429 707,547 Community and Economic Develop.604,873 636,722 332,454 283,420 683,503 271,366 444,839 485,938 408,654 481,293 Culture and Recreation 5,057,076 5,300,818 5,063,896 4,995,049 4,681,536 5,224,543 5,112,019 3,815,920 3,726,359 4,383,977 Operating Grants and Contributions 15,628,287 11,356,682 12,199,444 29,467,573 32,091,246 24,937,596 21,466,622 3,203,805 2,813,481 2,644,272 Capital Grants and Contributions 960,502 1,176,783 780,137 1,472,233 2,328,468 2,468,120 1,867,213 - - - Total governmental activities program revenues 33,032,264$ 30,153,661$ 30,288,740$ 48,127,612$ 45,273,337$ 40,372,750$ 36,492,193$ 14,677,672$ 9,342,840$ 10,815,589$ Business-type activities: Charges for services: Water 15,336,891$ 14,926,833$ 14,151,289$ 14,194,442$ 14,080,592$ 15,409,171$ 15,102,462$ 14,373,176$ 14,204,285$ 15,091,372$ Wastewater 21,349,401 23,567,973 25,012,163 26,001,156 29,407,263 30,657,698 32,474,743 34,009,117 36,638,804 39,061,562 Century Center 3,371,553 3,370,802 2,873,966 2,869,010 2,894,913 2,680,076 3,463,813 2,227,171 4,202,564 4,796,676 Consolidated Building Department 1,078,258 1,169,788 977,050 875,481 899,397 1,000,381 967,667 1,387,571 2,037,950 1,764,100 Parking Garage 861,307 1,003,889 1,070,519 1,047,784 1,071,078 921,044 968,868 1,017,218 968,417 996,197 Solid Waste 4,187,821 4,343,120 4,759,530 4,745,547 4,830,342 5,081,991 5,399,044 5,295,712 5,364,871 5,839,143 Blackthorn Golf Course 1,512,150 1,493,519 1,557,951 1,479,415 1,392,999 1,669,372 1,530,402 1,548,341 109,949 - Emergency Medical Services - - - - - - - - 6,470,446 7,921,172 Operating Grants and Contributions - - - - - - - - - - Capital Grants and Contributions 1,253,332 1,209,380 4,038,412 1,889,165 4,291,731 2,010,253 697,916 95,834 4,683,424 649,609 Total business-type activities program revenues 48,950,713 51,085,304 54,440,880 53,102,000 58,868,315 59,429,986 60,604,915 59,954,140 74,680,710 76,119,831 Total primary government program revenues 81,982,977$ 81,238,965$ 84,729,620$ 101,229,612$ 104,141,652$ 99,802,736$ 97,097,108$ 74,631,812$ 84,023,550$ 86,935,420$ 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Net (Expense)/Revenue Governmental activities (102,007,599)$ (73,959,701)$ (103,726,403)$ (106,774,484)$ 45,273,337$ (106,108,937)$ (116,525,624)$ (125,231,387)$ (154,967,354)$ (123,703,764)$ Business-type activities 170,585 (538,594) 8,954,365 6,778,527 58,868,315 10,870,894 5,655,632 4,074,535 12,781,034 12,052,503 Total primary government net expense (101,837,014)$ (74,498,295)$ (94,772,038)$ (99,995,957)$ 104,141,652$ (95,238,043)$ (110,869,992)$ (121,156,852)$ (142,186,320)$ (111,651,261)$ 64 Statistical Section Changes in Net Position (Continued) Last Ten Fiscal Years 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 General Revenues and Other Changes in Net Position Governmental activities: Taxes: Property taxes 77,120,683$ 76,109,499$ 73,882,128$ 77,315,641$ 76,445,349$ 71,775,415$ 72,018,650$ 69,221,468$ 72,032,049$ 76,331,581$ County Option Income Tax 8,072,623 5,813,846 10,270,179 11,502,052 13,219,723 13,748,824 13,739,325 15,025,840 14,847,338 21,194,795 Economic Develop. Income Tax 4,681,134 3,788,754 4,536,245 7,335,113 8,044,773 8,324,878 8,177,352 8,796,821 9,031,709 9,594,602 Professional Sports Develop. Tax 435,791 453,268 522,788 597,406 558,268 633,904 649,996 588,054 628,261 673,787 Community Revitalization District Tax 1,000,000 955,315 605,623 416,149 733,100 653,185 244,623 - - - Unrestricted Grants and Contributions 4,032,300 5,664,011 7,597,883 4,883,081 3,964,336 3,891,810 5,893,924 28,473,888 25,487,112 25,846,397 Unrestricted Investment earnings 6,247,113 4,961,410 859,135 868,023 1,050,768 1,317,443 762,270 951,901 1,322,674 1,458,787 Other 5,016,902 2,007,821 2,781,368 2,627,341 3,483,054 6,623,313 14,285,314 6,747,199 11,214,442 6,745,542 Loss on Sale of Redevelopment Properties - - - - - - - Net Pension Obligation - - - - - - - Transfers 3,735 34,970 (645,992) (648,823) 3,041,176 3,879,721 4,525,187 (683,049) 2,846,415 3,681,016 Total governmental activities 106,610,281$ 99,788,894$ 100,409,357$ 104,895,983$ 110,540,547$ 110,848,493$ 120,296,641$ 129,122,122$ 137,410,000$ 145,526,507$ Business-type activities: Unrestricted Investment earnings 1,301,348$ 1,514,287$ 271,360$ 146,826$ 206,409$ 285,572$ 138,362$ 128,168$ 358,918$ 570,982$ Other - - - - - - - 1,501,664 - - Transfers (3,735) (34,970) 645,992 648,823 (3,041,176) (3,879,721) (4,525,187) 683,049 (2,846,415) (3,681,016) Total business-type activities 1,297,613 1,479,317 917,352 795,649 (2,834,767) (3,594,149) (4,386,825) 2,312,881 (2,487,497) (3,110,034) Total primary government 107,907,894$ 101,268,211$ 101,326,709$ 105,691,632$ 107,705,780$ 107,254,344$ 115,909,816$ 131,435,003$ 134,922,503$ 142,416,473$ Special Item (Governmental activities): Well field contamination settlement -$ 4,462,214$ -$ -$ -$ -$ -$ -$ -$ -$ Disposal of operations - - - - - - - - (1,180,964) - Change in Net Position Governmental activities 32,650,580 524,705 (6,365,127) 150,169,320 911,788 4,739,556 3,771,016 3,890,735 (17,557,354) 21,822,743 Business-type activities 759,019 10,433,682 7,695,879 59,663,964 9,710,075 7,276,745 1,268,807 6,387,416 9,112,573 7,799,078 Total primary government 33,409,599$ 10,958,387$ 1,330,752$ 209,833,284$ 10,621,863$ 12,016,301$ 5,039,823$ 10,278,151$ (8,444,781)$ 29,621,821$ Excludes prior period adjustments Changes in net assets is defined as the incremental difference between total assets and total liabilities as a result of operations during the fiscal year. (1) In 2014, Code Enforcement and Animal Care & Control were consolidated with the Building Department to build efficiencies. Prior to 2014, these expenses were included in the general government activities. (2) In 2015, Emergency Medical Services was reclassified to an enterprise fund. Source : City of South Bend Comprehensive Annual Financial Reports 65 Statistical Section Fund Balances - Governmental Funds Last Ten Fiscal Years 2007 2008 2009 2010 2011 (1)2012 2013 2014 2015 2016 General fund Reserved 2,213,970$ 3,245,271$ 1,516,159$ 1,824,454$ -$ -$ -$ -$ -$ -$ Unreserved 21,546,783 24,171,313 23,102,296 26,912,688 - - - - - - Nonspendable - - - - 1,115,025 958,341 656,848 558,304 491,665 494,730 Restricted - - - - 327,267 - - - - - Committed - - - - - - - - - - Assigned - - - - 255,287 165,389 516,506 - 466,088 1,380,036 Unassigned - - - - 26,233,637 27,671,353 26,495,559 27,029,101 29,664,303 32,077,856 Total - General Fund 23,760,753$ 27,416,584$ 24,618,455$ 28,737,142$ 27,931,216$ 28,795,083$ 27,668,913$ 27,587,405$ 30,622,056$ 33,952,622$ Other Governmental Funds Reserved 36,374,517$ 60,213,915$ 56,819,802$ 62,230,229$ -$ -$ -$ -$ -$ -$ Unreserved, reported in: Special revenue funds 25,703,180 32,054,329 36,398,024 31,996,398 - - - - - - Capital projects funds 66,593,906 87,571,056 78,214,132 85,237,947 - - - - - - Debt service funds - - - - - - - - - - Nonspendable - - - - 37,036,839 37,706,861 22,828,476 20,537,450 27,042,236 23,566,267 Restricted - - - - 44,754,037 78,326,567 95,387,879 100,501,274 113,004,506 101,826,640 Committed - - - - 11,829,074 11,142,045 20,697,026 12,962,745 2,238,475 2,698,694 Assigned - - - - 77,460,284 35,180,652 35,455,190 35,147,874 32,138,059 31,998,790 Unassigned - - - - (2,777,374) (4,219,066) (4,852,169) (5,700,829) (4,218,596) (2,301,793) Total - Other Governmental Funds 128,671,603 179,839,300 171,431,958 179,464,574 168,302,860 158,137,059 169,516,402 163,448,514 170,204,680 157,788,598 Grand Total - Governmental Funds 152,432,356$ 207,255,884$ 196,050,413$ 208,201,716$ 196,234,076$ 186,932,142$ 197,185,315$ 191,035,919$ 200,826,736$ 191,741,220$ (1) - The City of South Bend adopted Statement No. 54 of the Governmental Accounting Standards Board requiring new classifications for Fund Balance reporting for fiscal year 2011. Source: City of South Bend Comprehensive Annual Financial Reports 66 Statistical Section Changes in Fund Balances - Governmental Funds Last Ten Fiscal Years 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Revenues Taxes 88,695,023$ 96,930,953$ 89,139,585$ 101,785,765$ 99,001,213$ 95,136,206$ 94,829,947$ 93,632,183$ 96,033,296$ 107,861,553$ Licenses, fees and permits 173,604 177,329 206,594 192,397 190,943 189,714 177,019 141,565 151,923 224,677 Fines and forfeits 437,732 412,707 423,981 409,775 636,749 334,767 660,841 563,999 454,327 756,781 Charges for services 15,832,139 17,030,160 16,678,584 16,585,634 13,990,267 12,442,553 12,320,498 10,628,976 5,794,168 7,062,108 Intergovernmental 21,400,166 18,196,118 20,577,464 35,822,886 34,419,714 31,297,526 29,227,759 30,663,505 30,216,059 27,959,813 Investment earnings 6,248,605 4,962,768 859,135 868,023 1,050,768 1,317,443 762,270 955,376 1,253,242 1,624,527 Other revenues 5,039,373 2,007,821 3,046,791 2,677,796 3,587,518 6,660,875 13,174,140 7,904,187 8,816,811 7,179,959 Total revenues 137,826,642 139,717,856 130,932,134 158,342,276 152,877,172 147,379,084 151,152,474 144,489,791 142,719,826 152,669,418 Expenditures General government 9,611,354 6,902,426 5,969,141 5,214,424 6,680,855 6,390,585 7,154,965 8,022,688 8,420,278 16,311,633 Public Safety 53,203,005 50,413,055 48,790,068 62,586,177 69,612,754 67,138,414 64,041,549 66,927,250 61,889,405 64,350,281 Highways and Streets 13,257,781 13,369,611 11,716,810 10,702,555 5,079,041 9,288,682 9,769,942 10,441,957 12,787,641 11,294,768 Health and Welfare 75,000 75,000 - - - - - - - - Community and Economic Development 7,710,242 9,726,718 8,938,134 17,408,376 9,698,611 3,543,180 8,068,458 7,309,130 11,068,013 20,894,153 Culture and Recreation 13,469,798 14,542,481 12,733,094 12,841,596 13,816,699 18,557,986 13,956,025 13,948,089 12,855,704 13,070,606 Capital Outlay 17,293,302 26,695,208 37,485,105 21,952,522 46,691,030 39,984,127 30,748,663 29,407,934 46,553,570 27,056,295 Bond Issuance Costs - - - - - - - - 372,432 - Debt Service Interest and Fiscal Charges 5,718,572 7,258,201 8,053,995 7,499,683 7,186,494 6,734,305 6,113,043 5,360,219 5,392,298 4,943,021 Principal 7,870,166 9,040,095 9,276,363 12,552,681 13,632,195 10,822,721 13,008,105 12,882,830 13,319,392 13,055,327 Total expenditures 128,209,220 138,022,795 142,962,710 150,758,014 172,397,679 162,460,000 152,860,750 154,300,097 172,658,733 170,976,084 Excess of revenues over (under) expenditures 9,617,422 1,695,061 (12,030,576) 7,584,262 (19,520,507) (15,080,916) (1,708,276) (9,810,306) (29,938,907) (18,306,666) Other Financing Sources (Uses) Proceeds from debt issuance 2,920,287 45,622,808 1,771,318 5,280,314 3,478,239 5,660,897 7,801,455 8,436,905 69,426,593 4,999,053 Premium (discount) on debt issuance - 1,626,186 80,950 146,030 26,877 1,236,364 21,576 171,851 1,919,787 - Proceeds from refunding - -7,210,000 5,327,775 38,307,431 13,595,000 3,990,000 - - - Payments to refunded bond escrow agent - -(7,591,171) (5,538,255) (37,300,856) (14,613,147) (4,376,769) (3,482,205) (35,698,815) - Financing By Capital Lease - -- - - - - Transfers in 7,872,575 10,574,625 8,687,172 16,314,577 22,483,564 25,368,413 26,365,239 18,478,925 31,498,681 19,541,050 Transfers out (7,868,840) (10,539,655) (9,333,164) (16,963,400) (19,442,388) (21,488,692) (21,840,052) (16,522,289) (28,652,266) (15,860,034) Other - - - - - - - 28,476 1,235,744 541,081 Total other financing sources (uses)2,924,022 47,283,964 825,105 4,567,041 7,552,867 9,758,835 11,961,449 7,111,663 39,729,724 9,221,150 Special Item: Well field contamination settlement - - 4,462,214 - - - - - - - Net change in fund balances 12,541,444$ 48,979,025$ (6,743,257)$ 12,151,303$ (11,967,640)$ (5,322,081)$ 10,253,173$ (2,698,643)$ 9,790,817$ (9,085,516)$ Debt service as a percentage of noncapital expenditures (1)11.4% 12.1% 17.6% 15.4% 13.8% 12.9% 13.4% 13.5% 11.6% 12.7% Excludes prior period adjustments (1) Formula = Debt service payments (principal and interest) / (Total Governmental Fund expenditures - Governmental Fund capital outlay per reconciliation) Source: City of South Bend Comprehensive Annual Financial Reports67 Statistical Section Property Taxes Levies and Collections Last Ten Fiscal Years Estimated Adjusted Current Tax Total Tax (1)Outstanding Per DLGF Circuit Breaker Current Tax Collections Delinquent Collections as Outstanding Delinquent Taxes Tax Year/Current Levy Levy Current Tax as a Percent of Tax Total Tax a Percent of Delinquent as a Percent of Collection Year Tax Levy Reduction (County Abstract)Collections Adjusted Tax Levy Collections Collections Adjusted Tax Levy Taxes Adjusted Tax Levy 2006/2007 62,723,113$ -$ 62,723,113$ 57,979,187$ 92.44% 2,289,138$ 60,268,325$ 96.09% 7,411,505$ 11.82% 2007/2008 65,534,282 - 65,534,282 59,589,537 90.93% 4,113,095 63,702,632 97.21% 2,831,650 4.32% 2008/2009 64,546,050 7,863,846 56,682,204 47,497,697 83.80% 3,355,161 50,852,858 89.72% 5,810,503 10.25% 2009/2010 66,929,179 14,346,110 52,583,069 41,813,442 79.52% 6,380,600 48,194,042 91.65% 10,026,236 19.07% 2010/2011 68,662,101 17,692,787 50,969,314 40,876,844 80.20% 5,791,920 46,668,764 91.56% 8,165,775 16.02% 2011/2012 70,756,844 23,965,911 46,790,933 42,598,817 91.04% 5,111,380 47,710,197 101.96% 9,550,891 20.41% 2012/2013 72,696,497 27,863,156 44,833,341 38,721,788 86.37% 5,200,000 43,921,788 97.97% 11,146,473 24.86% 2013/2014 73,981,565 27,051,751 46,929,814 41,370,637 88.15% 3,134,526 44,505,163 94.83% 8,745,941 18.64% 2014/2015 76,533,090 29,728,412 46,804,678 42,097,072 89.94% 3,168,597 45,265,669 96.71% 8,200,000 17.52% 2015/2016 78,503,658 29,601,193 48,902,465 43,806,020 89.58% 3,900,000 47,706,020 97.55% 7,468,597 15.27% Data provided for General Fund, Parks & Recreation, Cumulative Capital Development, Fire Pension and Police Pension Funds. Excludes College Football Hall of Fame and Tax Increment Financing Funds. Delinquent tax collections are not broken out by individual taxing unit. A calculation of South Bend's share of delinquent taxes has been made based on proportionate tax rates. Total collections may exceed 100% of adjusted tax levy as prior year collections are not broken out separately by the St. Joseph County Auditor. (1) Outstanding Delinquent Taxes are reported in the aggregate as of the end of each year and are not cumulative. Estimated for 2014/2015 and 2015/2016 Source - St. Joseph County Auditor's Settlement Worksheets and Abstract. City of South Bend budget forms approved by the Department of Local Government Finance (DLGF).68 Statistical Section Direct and Overlapping Property Tax Rates Last Ten Fiscal Years (Rate per $100 of Net Assessed Value) Cumulative Tax Year/General Parks/ Firefighters' Police Capital Total St. Joseph Schools Total Grand Collection Year Fund Recreation Pension Pension Development Direct County Districts Township Library Other (1)Overlapping Total 2006/2007 1.6838 0.2858 0.0531 0.0477 0.0342 2.1046 0.8711 1.5419 0.0285 0.1957 0.1737 2.8109 4.9155 2007/2008 1.7924 0.2979 0.0579 0.0572 0.0342 2.2396 0.7576 1.5417 0.0482 0.2216 0.1944 2.7635 5.0031 2008/2009 1.9777 0.3656 0.0117 0.0189 0.0342 2.4081 0.5693 1.0297 0.0537 0.2257 0.1733 2.0517 4.4598 2009/2010 (2)2.2536 0.4401 - - 0.0342 2.7279 0.5866 1.0728 0.0406 0.2657 0.1835 2.1492 4.8771 2010/2011 2.4381 0.4818 - - 0.0342 2.9541 0.5424 1.2211 0.0438 0.3027 0.1958 2.3058 5.2599 2011/2012 2.4954 0.4957 - - 0.0328 3.0239 0.6212 1.1931 0.0464 0.2941 0.1817 2.3365 5.3604 2012/2013 2.5678 0.5102 - - 0.0328 3.1108 0.6731 1.3493 0.0453 0.3227 0.1971 2.5875 5.6983 2013/2014 2.7977 0.5608 - - 0.0328 3.3913 0.7058 1.3577 0.0505 0.3309 0.1849 2.6298 6.0211 2014/2015 2.8313 0.5676 - - 0.0325 3.4314 0.6866 1.2940 0.0500 0.3207 0.2125 2.5638 5.9952 2015/2016 2.8703 0.5754 - - 0.0321 3.4778 0.6974 1.2682 0.0512 0.3549 0.2224 2.5941 6.0719 (1) Includes State of Indiana, Redevelopment Commission (Hall of Fame), South Bend Transportation and South Bend Regional Airport. (2) Firefighters' Pension and Police Pension are no longer a tax burden for the City of South Bend as the State of Indiana has assumed responsibility for funding these programs. (3) Information provided for Portage Township in the City of South Bend. Property tax rates applied to net assessed valuation. Property tax billings are also subject to "circuit breaker" property tax caps on grossed assessed valuation of 1% (homestead residential property), 2% (other residential/rental property), and 3% (nonresidential real and personal property). Therefore, an increase in stated property tax rates will not result in higher property taxes paid for many taxpayers who have reached their cap. Source: St. Joseph County Auditor's Office - Certified Tax Rate Schedules - Rates presented for Portage Township in South Bend City Direct Rates Overlapping Rates (3)69 Statistical Section Assessed Value and Actual Value of Taxable Property Last Ten Fiscal Years (2) Gross Assessed Values Less:Total Net City Tax Year/Real Personal Utilities Total Non-Taxed Taxable Tax % Collection Year Property Property Property Value Property (1)Value Rate Taxable 2006/2007 4,374,431,415$ 544,460,152$ 90,443,780$ 5,009,335,347$ 1,986,978,200$ 3,022,357,147$ 2.1046 60.33% 2007/2008 4,420,513,240 527,383,785 92,736,090 5,040,633,115 2,064,552,317 2,976,080,798 2.2396 59.04% 2008/2009 4,698,989,240 592,538,950 95,891,770 5,387,419,960 2,718,532,541 2,668,887,419 2.4081 49.54% 2009/2010 4,368,497,000 604,951,450 98,433,750 5,071,882,200 2,618,376,627 2,453,505,573 2.7279 48.37% 2010/2011 4,339,037,300 551,819,290 101,009,760 4,991,866,350 2,667,414,488 2,324,451,862 2.9541 46.56% 2011/2012 4,255,238,900 560,331,660 95,165,650 4,910,736,210 2,529,861,602 2,380,874,608 3.0239 48.48% 2012/2013 4,452,887,970 537,500,490 100,832,450 5,091,220,910 2,720,133,213 2,371,087,697 3.1108 46.57% 2013/2014 4,199,757,500 552,872,520 90,252,180 4,842,882,200 2,633,155,528 2,209,726,672 3.3913 45.63% 2014/2015 4,192,804,920 557,759,982 86,924,710 4,837,489,612 2,577,220,294 2,260,269,318 3.4314 46.72% 2015/2016 4,199,285,400 603,870,040 83,786,930 4,886,942,370 2,609,772,627 2,277,169,743 3.4778 46.60% (1) Non-taxed property includes tax exempt property, tax increment financing property, tax abatements, and adjustments for deductions and exemptions. (2) City tax rate excludes Redevelopment Commission (Hall of Fame) tax rate. Source: St. Joseph County Auditor's Office 70 Statistical Section Property Tax Collections - Cash Basis Last Ten Years Fund 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Fund Name Number Actual Actual (2) Actual (3)Actual Actual Actual Actual Actual Actual Actual General Fund 101 48,720,726$ 14,574,480$ 79,162,937$ 38,780,847$ 38,514,550$ 39,368,431$ 36,251,397$ 36,708,989$ 37,349,387$ 39,362,139$ Excess Levy 103 - - - - - - - 3,648 - - Parks & Recreation 201 8,271,741 2,461,101 13,919,096 7,591,932 7,613,760 7,824,056 7,207,060 7,365,388 7,487,554 7,902,995 Redevelopment Bonds Studebaker Corridor 310 11,590 - - - - - - - - - College Football Hall of Fame Debt Service 313 1,127,140 360,682 2,362,057 1,488,453 1,549,954 1,133,205 1,268,179 497,768 906,263 1,361,512 River West TIF District (1)324 8,851,077 33,400 10,808,912 21,508,430 11,187,768 11,631,287 13,340,354 14,284,734 16,293,240 18,159,311 Cumulative Capital Development 406 989,824 291,600 1,420,833 587,063 540,454 517,710 463,331 430,786 428,727 440,887 Sample-Ewing TIF District (1)414 778,093 - - - - - - - - - South Bend Central Development Area TIF (1) 420 3,276,169 12,696 3,870,188 7,336,117 3,633,473 3,671,478 2,590,808 4,309,727 - - West Washington Street TIF District 422 287,095 1,785 358,844 860,049 431,085 422,715 493,608 580,987 402,911 453,503 Central Medical Service Area TIF District (1)426 928,113 2,793 919,174 3,524,962 1,704,238 1,606,915 1,221,676 851,211 - - River East (Northeast) TIF District 429 13,468 - 22,191 195,400 715,063 1,351,048 841,627 1,568,240 2,421,308 2,348,608 Southside Development Area TIF District 430 457,985 1,756 355,596 4,094,135 1,808,952 2,466,203 2,404,416 2,379,212 2,205,822 2,401,252 Erskine Commons TIF District (5)431 2,891 10 1,240,184 5,978,592 784,373 - - - - - Erskine Village TIF District 432 775,622 2,713 1,531,403 3,759,287 1,603,182 - 1,311,129 9,175 19,183 - Douglas Road TIF District 435 13,941 - 125,294 460,760 306,053 285,713 323,939 321,895 270,758 345,262 River East (Northeast) Residential TIF 436 - - - 1,815,829 2,446,103 2,514,048 2,262,765 2,725,909 3,129,681 3,932,947 Airport Urban Enterprise 454 - - - 301,430 123,165 111,721 - - - - Fire Department Employees Pension (4)701 1,536,839 462,375 1,437,539 (5,867) - - - - - - Police Department Employees Pension (4)702 1,380,555 425,760 1,609,905 (9,479) - - - - - - Total 77,422,869$ 18,631,151$ 119,144,153$ 98,267,940$ 72,962,173$ 72,904,530$ 69,980,289$ 72,037,669$ 70,914,834$ 76,708,415$ (1) Fund 414 closed out during 2008 into Fund 324. Name changed in 2015 from TIF Airport to River West TIF due to consolidation of Central Development Area and Central Medical TIFs. (2) Delays in sending out property tax bills until December 19, 2008 (with an on-time due date of February 20, 2009) resulted in interfund borrowing in the General Fund (101), Parks and Recreation Fund (201) and the College Football Hall of Fame Debt Service Fund (313) at year end. The remainder of property tax revenue was received during the first half of 2009 with final settlement with the St. Joseph County Auditor in July, 2009 (3) Includes collections of 2008 taxes as noted above. Tax Increment Financing (TIF) 2009 property tax collections were received from the County Auditor on January 21, 2010. (4) Property tax levy for Police and Fire pension plans eliminated. Funding provided by the State of Indiana. (5) Erskine Commons TIF District funds were released and outstanding bonds were paid off. Source - City of South Bend Accounting Records 71 Statistical Section Assessed Value of Taxable Property Last Ten Years Tax Year/Total Tax Exempt Tax Increment Tax Assessed Collection Year Gross Valuation Deductions (1)Property Financing Abatements Valuation 2006/2007 5,009,335,347$ (1,014,750,501)$ (494,545,149)$ (382,668,480)$ (95,014,070)$ 3,022,357,147$ 2007/2008 5,040,633,115 (996,413,450) (494,748,890) (471,656,927) (101,733,050) 2,976,080,798 2008/2009 5,387,419,960 (1,557,329,781) (436,861,027) (625,910,065) (98,431,668) 2,668,887,419 2009/2010 5,071,882,200 (1,344,563,829) (449,848,037) (707,096,696) (116,868,065) 2,453,505,573 2010/2011 4,991,866,350 (1,353,769,271) (439,343,852) (777,038,302) (97,263,063) 2,324,451,862 2011/2012 4,910,736,210 (1,331,068,608) (417,907,225) (702,724,247) (78,161,522) 2,380,874,608 2012/2013 5,091,220,910 (1,397,134,910) (488,961,977) (761,349,489) (72,686,837) 2,371,087,697 2013/2014 4,842,882,200 (1,344,702,776) (512,692,590) (713,448,152) (62,312,010) 2,209,726,672 2014/2015 4,837,489,612 (1,292,923,103) (510,555,188) (707,010,507) (66,731,496) 2,260,269,318 2015/2016 4,886,942,370 (1,305,921,190) (521,555,123) (718,066,149) (64,230,165) 2,277,169,743 (1) Includes homestead standard deduction, supplemental standard deduction, mortgage deduction, blind/disabled deduction, investment deduction, veteran's deduction, over 65 years old deduction, and geothermal deduction. In 2009, a new 35% supplemental standard deduction was provided as a part of "circuit breaker" property tax reform legislation. 2016 Deductions 2013/2014 2014/2015 2015/2016 Homestead Standard Deduction 865,700,222$ 814,820,960$ 820,420,116$ Supplemental Standard Deduction 370,952,895 368,795,377 375,610,821 Mortgage Deduction 46,396,568 44,358,618 42,985,922 Veteran's Deduction 10,105,601 11,027,128 11,784,608 Age 65 and Over Deduction 27,283,686 25,146,428 24,608,600 Energy Systems Deduction 403,600 403,400 388,200 Blind & Disabled Deduction 6,245,808 5,714,123 5,643,351 Investment Deduction 17,614,396 22,657,069 24,479,572 Total 1,344,702,776$ 1,292,923,103$ 1,305,921,190$ Source: St. Joseph County Auditor's Office Abstract 72 Statistical Section Computation of Legal Debt Margin December 31, 2016 Civil City Net Assessed Valuation (2015 pay 2016) of Taxable Property in South Bend 2,277,169,743$ Debt limit: 2% of one third thereof 15,181,132 Less Bonds subject to limitation: County Economic Development Income Tax Refunding Revenue Bonds, Series 2006 A (225,000) County Economic Development Income Tax Refunding Revenue Bonds, Series 2006 B (205,000) Economic Development Income Tax Bonds of 2015 (Parks Bond)(5,405,000) Issuance Margin 9,346,132$ Percentage of Debt to Debt Limit 38.44% Redevelopment District Net Assessed Valuation (2015 pay 2016) of Taxable Property in South Bend 2,277,169,743$ Debt limit: 2% of one third thereof 15,181,132 Less Bonds subject to limitation: Special Taxing District Bonds of 2014 (2,210,000) Issuance Margin 12,971,132$ Percentage of Debt to Debt Limit 14.56% A 2%debt limit is established by the Constitution of the State of Indiana.This limit is established for general obligation bonds,Economic Development Income Tax revenue bonds,tax revenue notes and other types of indebtedness.This limitation does not include revenue bonds payable from governmental funds (excluding EDIT bonds)shown in the general long term debt account group.Indiana law allows the creation of separate municipal corporations to provide vital governmental functions.Each of these municipal corporations (including the Redevelopment Authority and Redevelopment Commission)has its own 2% debt limit, even if they have the same or similar boundaries. 73 Statistical Section Ratios of Outstanding Debt by Type Last Ten Fiscal Years South Bend South Bend General Total Debt Estimated Debt Fiscal Obligation Revenue Mortgage Notes/Loans Capital Revenue Mortgage Notes/Loans Capital Primary Estimated Per Personal Percent of Year Bonds Bonds Bonds Payable Leases Bonds Bonds Payable Leases Government Population (1)Capita Income (2)Income 2007 -$ 78,570,000$ 25,957,839$ 7,900,658$ 7,695,487$ 73,145,000$ 926,805$ 18,380,491$ 1,127,394$ 213,703,674$ 104,069 2,053$ 3,511,183,991$ 6.09% 2008 - 115,240,000 24,534,464 9,543,790 7,388,443 67,535,000 878,835 17,031,649 628,427 242,780,608 104,905 2,314 3,709,126,085 6.55% 2009 - 113,975,000 23,061,148 8,470,308 6,214,206 68,225,000 829,020 16,145,358 893,233 237,813,273 106,192 2,239 3,679,658,992 6.46% 2010 - 111,510,000 21,117,295 6,323,199 5,299,341 72,655,000 717,705 16,755,369 799,402 235,177,311 101,168 2,325 3,505,572,368 6.71% 2011 - 101,472,431 19,724,490 4,431,871 7,510,749 88,655,000 660,510 15,542,372 1,077,642 239,075,065 101,168 2,363 3,371,120,096 7.09% 2012 - 96,410,000 17,883,530 4,953,639 8,336,120 117,650,000 601,470 13,848,901 3,641,362 263,325,022 101,168 2,603 3,371,120,096 7.81% 2013 - 90,172,826 23,079,781 3,030,554 8,777,238 118,121,963 546,973 4,121,010 3,831,933 251,682,278 101,168 2,488 3,371,120,096 7.47% 2014 - 84,862,512 21,331,548 1,617,491 8,481,375 111,209,874 480,604 3,794,664 3,307,802 235,085,870 101,168 2,324 3,371,120,096 6.97% 2015 - 107,815,890 13,904,973 4,831,752 8,491,407 102,871,921 5,851,565 3,458,899 4,411,042 251,637,449 101,168 2,487 3,371,120,096 7.46% 2016 - 99,040,132 12,091,550 4,647,381 10,929,075 95,477,047 5,556,865 2,582,205 6,585,123 236,909,378 101,168 2,342 3,492,622,864 6.78% Percent of Total Debt 0%41.81%5.10%1.96%4.61%40.30%2.35%1.09%2.78%100.00% Sources: City of South Bend Comprehensive Annual Financial Reports (1) U.S. Census Bureau, 2010 Census information (http://factfinder.census.gov/). 2016 information not available. (2) City of South Bend estimated personal income is computed as estimated City population x City of South Bend Median Household Income from U.S. Census Bureau, 2011-2015 American Community Survey 5-Year Estimates (http://factfinder.census.gov/) Governmental Activities Business-Type Activities 74 Statistical Section Computation of Direct and Overlapping Debt December 31, 2016 Amount Gross Applicable to Debt Per Debt South Bend Capita Direct Debt: City of South Bend General Obligation Bonds Revenue Bonds - Governmental Activities 99,040,132$ 100.00 %99,040,132$ Mortgage Bonds - Governmental Activities 12,091,550 100.00 12,091,550 Notes Payable - Governmental Activities 4,647,381 100.00 4,647,381 Capital Leases - Governmental Activities 10,929,075 100.00 10,929,075 Total Direct Debt and Lease Obligation Debt 126,708,138$ 1,252$ 5.56 %3.63 % Overlapping Debt (1) South Bend Community School Corporation 114,089,291$ 52.85 %60,296,190$ St. Joseph County Public Library 4,015,000 49.51 1,987,827 St. Joseph County Airport Authority 12,080,000 28.17 3,402,936 St. Joseph County 30,465,000 28.17 8,581,991 Penn-Harris-Madison School Corporation 36,675,073 2.68 982,892 Mishawaka-Penn-Harris Public Library 2,475,000 2.19 54,203 Total Overlapping and Underlying Direct Debt and Lease Obligations 75,306,038$ 744$ 3.31 %2.16 % Total Direct Debt and Lease Obligation Debt and Overlapping and 202,014,176$ 1,997$ 8.87 %5.78 % Underlying Direct Debt and Lease Obligations Ratio Factors Net Assessed Valuation (2015 payable 2016)2,277,169,743 Population - 2010 Census 101,168 South Bend Median Household Income 2015 34,523 Estimated South Bend Total Personal Income (2 x 3)3,492,622,864 (1)Overlapping debt percentages are based on the net assessed value of South Bend properties in proportion to the total net assessed value. (2 )U.S. Census Bureau, 2010 Census information (http://factfinder.census.gov/). 2016 information not available. (3 )U.S. Census Bureau, 2011-2015 American Community Survey 5-Year Estimates (http://factfinder.census.gov/) (3) (2) South Bend Applicable to Percentage Income Personal Ratio of Debt/ Value Net Assessed Ratio of Debt/75 Statistical Section Demographic Statistics Last Ten Years South Bend South Bend Metropolitan Metro Area South Bend City of City of Percent Area Percent Total Personal Percent Metro Area Percent City of South Bend Percent South Bend Increase/Median Family Increase/Income (3)Increase/Per Capita Increase/South Bend Public School Increase/ Year Population (1)(Decrease)Income (2)(Decrease)(Millions)(Decrease)Income (3)(Decrease)Median Age (4)Enrollment (5)(Decrease) 2007 104,069 -0.4% 44,400$ 13.7% 10,959$ 4.0% 34,391$ 3.7% 34.6 21,715 -1.0% 2008 104,905 0.8% 40,684 -8.4% 11,343 3.5% 35,450 3.1% 34.6 20,800 -4.2% 2009 106,192 1.2% 43,403 6.7% 10,581 -6.7% 33,151 -6.5% 32.3 20,451 -1.7% 2010 101,168 -4.7% 40,789 -6.0% 10,788 2.0% 33,819 2.0% 33.4 20,066 -1.9% 2011 101,168 0.0% 40,873 0.2% 11,447 6.1% 35,867 6.1% 33.3 19,467 -3.0% 2012 101,168 0.0% 40,873 0.0% 11,948 4.4% 37,505 4.6% 33.3 18,982 -2.5% 2013 101,168 0.0% 40,873 0.0% 12,196 2.1% 38,265 2.0% 33.3 19,680 3.7% 2014 101,168 0.0% 34,656 -15.2% 12,887 5.7% 40,342 5.4% 33.9 19,308 -1.9% 2015 101,168 0.0% 34,656 0.0% 13,560 5.2% 42,362 5.0% 34.0 18,680 -3.3% 2016 101,168 0.0% 34,523 -0.4% 13,560 0.0% 42,362 0.0% 32.7 18,110 -3.1% Sources: (1) U.S. Census Bureau, 2010 Census information (http://factfinder.census.gov/). 2016 information not available. (2) U.S. Census Bureau, 2011-2015 American Community Survey 5-Year Estimates (http://factfinder.census.gov/) (3) Bureau of Local Economic Analysis, South Bend-Mishawaka, IN_MI Metropolitan Area Profile (https://www.bea.gov/). 2016 information not available. (4) U.S. Census Bureau, Profile of General Demographic Characteristics (http://factfinder.census.gov/) (5) Indiana Department of Education, South Bend School Corporation Total Enrollment (http://compass.doe.in.gov/) Personal income includes net earnings by place of residence; dividends, interest, and rent; and personal current transfer receipts received by the residents of South Bend-Mishawaka. Metropolitan statistical area (MSA)- An area consisting of a core county or counties in which lies an urban area having a population of at least 50,000, plus adjacent counties having a high degree of social and economic integration with the core counties as measured through commuting ties.76 Statistical Section Demographic Statistics (Continued) Last Ten Years December December December South Bend South Bend South Bend Metropolitan Percent Metropolitan Percent Metropolitan Area Labor Increase/Area Increase/Unemployment Year Force (1)(Decrease)Unemployment (1)(Decrease)Rate (1) 2007 159,981 -1.4%8,046 -5.4%5.0% 2008 159,417 -0.4%10,494 30.4%6.6% 2009 154,409 -3.1%17,713 68.8%11.5% 2010 155,045 0.4%17,869 0.9%11.5% 2011 155,025 0.0%15,582 -12.8%10.1% 2012 151,520 -2.3%14,085 -9.6%9.3% 2013 150,796 -0.5%13,021 -7.6%8.6% 2014 152,583 1.2%10,040 -22.9%6.6% 2015 154,598 1.3%7,768 -22.6%5.0% 2016 158,279 2.4%7,176 -7.6%4.5% Source: (1) Bureau of Labor Statistics, Local Area Unemployment Statistics: South Bend-Mishwaka IN-MI Metropolitan Statistical Area (https://www.bls.gov/data/) Metropolitan statistical area (MSA)- An area consisting of a core county or counties in which lies an urban area having a population of at least 50,000, plus adjacent counties having a high degree of social and economic integration with the core counties as measured through commuting ties. 77 Statistical Section Full-Time City Government Employees by Department Last Ten Fiscal Years Department 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 General Government Mayor's Office 10.00 9.00 8.00 7.00 7.00 6.00 6.00 7.00 7.00 6.00 City Clerk's Office 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 Common Council (elected officials, part-time)9.00 9.00 9.00 9.00 9.00 9.00 9.00 9.00 9.00 9.00 Administration and Finance/Information Tech 31.00 29.00 26.00 26.00 27.00 22.00 20.00 21.00 18.00 26.00 Legal Department 15.00 15.00 9.00 9.00 9.00 9.00 10.00 10.00 12.00 11.00 Engineering 18.50 18.50 16.00 19.00 17.00 15.00 13.00 14.00 16.00 18.00 311 Call Center - - - - - - 5.00 7.00 7.00 7.00 Safety and Risk - - - - - 3.00 3.00 3.00 2.00 2.00 Human Rights - - - - - 6.00 6.00 6.00 6.00 6.00 Public Safety Police Department 320.00 317.00 279.00 293.00 293.00 291.00 291.00 295.00 300.00 287.00 Communication Center 30.00 30.00 37.00 38.00 35.00 35.00 33.00 34.00 0.00 0.00 Fire Department 254.00 254.00 246.00 255.00 258.00 249.00 255.00 257.00 259.00 268.00 Building Maintenance 7.00 7.00 4.00 3.00 3.00 - - - - 3.00 Culture and Recreation Parks and Recreation (2)122.00 121.00 111.00 113.00 114.00 114.00 113.00 87.00 88.00 89.00 Convention and Events Management (1)16.00 15.00 13.00 13.00 14.00 14.00 14.00 14.00 14.00 12.00 Economic Development Department of Community Investment 35.00 33.00 26.00 26.00 25.00 24.00 26.00 25.00 25.00 23.00 Highways and Streets Street Department 54.00 54.00 51.00 52.00 56.00 52.00 60.00 59.00 53.00 59.00 Traffic & Lighting 11.00 11.00 6.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Enterprise Funds Water Works 86.00 80.00 82.00 75.00 74.00 73.00 70.00 68.00 67.00 65.00 Wastewater 54.50 56.50 48.00 51.00 49.00 46.00 45.00 42.00 43.00 44.00 Organic Resources (formerly in Wastewater)- - - - - 6.00 6.00 6.00 6.00 6.00 Sewer 28.00 28.00 33.00 35.00 36.00 39.00 34.00 33.00 30.00 31.00 Solid Waste 26.00 26.00 26.00 26.00 23.00 24.00 26.00 22.00 21.00 25.00 Building Department 22.00 22.00 15.00 13.00 13.00 13.00 14.00 13.00 13.00 14.00 Code Enforcement/Animal Care & Control 27.00 27.00 27.00 23.00 25.00 25.00 24.00 23.00 23.00 26.00 Internal Service Fund Central Services 49.00 46.00 39.00 41.00 41.00 42.00 43.00 38.00 36.00 37.00 Total Positions 1,230.00 1,213.00 1,116.00 1,132.00 1,133.00 1,122.00 1,131.00 1,098.00 1,060.00 1,079.00 78 Statistical Section Full-Time City Government Employees by Department (Continued) Last Ten Fiscal Years Department 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Summary by Activity General Government 88.50 85.50 73.00 75.00 74.00 75.00 77.00 82.00 82.00 90.00 Public Safety 611.00 608.00 566.00 589.00 589.00 575.00 579.00 586.00 559.00 558.00 Culture and Recreation 138.00 136.00 124.00 126.00 128.00 128.00 127.00 101.00 102.00 101.00 Economic Development 35.00 33.00 26.00 26.00 25.00 24.00 26.00 25.00 25.00 23.00 Highways and Streets 65.00 65.00 57.00 52.00 56.00 52.00 60.00 59.00 53.00 59.00 Enterprise Funds 243.50 239.50 231.00 223.00 220.00 226.00 219.00 207.00 203.00 211.00 Internal Service Fund 49.00 46.00 39.00 41.00 41.00 42.00 43.00 38.00 36.00 37.00 Total Positions 1,230.00 1,213.00 1,116.00 1,132.00 1,133.00 1,122.00 1,131.00 1,098.00 1,060.00 1,079.00 Excludes seasonal, part-time and temporary positions (1) Includes reduction of 34 positions in the City's convention facility (Century Center) during 2007. Century Center is being managed by a private company under an agreement with the City of South Bend. (2) Potawatomi Zoo employees (33) became employees of the Potawatomi Zoological Society through a public-private partnership as of January 1, 2014. Source: City of South Bends Performance Based Budgets and personnel records 79 Federal Direct or Award /2016 Grantor/Project Title CFDA Number Pass Through Identifying Number Expenditures Department of Commerce Economic Adjustment Assistance 11.307 Direct 06-19-01251 7,566,372 Dept of Housing and Urban Development Community Development Block Grants/Entitlement Grants Neighborhood Stabilization Grant 2008 14.218 Direct B08-MN-18-0011 32,114 Neighborhood Stabilization Grant 2011 14.218 Direct B11-MN-18-0011 338,908 Block Grant 2014 14.218 Direct B14-MC-18-0011 1,007,087 Block Grant 2015 14.218 Direct B15-MC-18-0011 961,442 Block Grant 2016 14.218 Direct B16-MC-18-0011 544,634 Emergency Solutions Grant Program Hearth Emergency Shelter Grant 2014 14.231 Direct E14-MC-18-0011 2,376 Hearth Emergency Shelter Grant 2015 14.231 Direct E15-MC-18-0011 93,984 Hearth Emergency Shelter Grant 2016 14.231 Direct E16-MC-18-0011 122,358 Continuum of Care Program 14.267 Direct IN0009L5H001407 224,777 14.267 Direct IN0012L5H001407 47,458 14.267 Direct IN0012L5H001508 59,818 Education and Outreach Initiatives 14.416 Direct FF205K105014 2,583 Fair Housing Assitance Program - State and Local 14.416 Direct FF205K165014 112,215 Department of Justice Project Safe Neighborhoods 16.609 Pass-through 2014-GP-BX-0002 75,827 Edward Byrne Memorial Justice Assistance Grant Program 16.738 Direct 14DJBX0690 15,256 16.738 Direct 2015-DJ-BX-0392 60,000 16.738 Direct 20163DJBX0724 62,689 16.738 Direct 2016-DJ-BX-0812 8,497 Equitable Sharing Program 16.922 Direct CY 2015 53,413 Department of Transportation Federal Highway Administration 20.205 Pass-through A249-14-320311 97,612 Highway Planning and Construction 20.205 Pass-through A249-15-320123A 81,343 20.205 Pass-through A249-15-320124 29,430 20.205 Pass-through A249-15-320126A 72,514 20.205 Pass-through A249-15-320127A 52,018 20.205 Pass-through A249-15-L150057 79,600 20.205 Pass-through A249-15-L150058 72,880 20.205 Pass-through A249-16-L160016 127,897 20.205 Pass-through A249-16-L160015 69,380 20.205 Pass-through A249-16-L160021 63,748 20.205 Pass-through A249-16-L160022 109,222 20.205 Pass-through A249-16-L160023 106,664 Department of US Treasury Neighborhood Reinvestment Corporation 21.000 Pass-through IFPN-2016-024 5,952 Equal Employment Opportunity Commission Employment Discrimination 30.002 Direct EEC45016C0084 70,891 State and Local Fair Employment Practices Agency Contracts Environmental Protection Agency Brownfield Assessment Grant 66.818 Direct BF00E01371 172,817 Total Federal Awards Expended 12,603,776$ Sent to SBOA 2 Mar 2015 City of South Bend, Indiana Schedule of Expenditures of Federal Awards December 31, 2016 80 7 7 ,6 9 1 F E E T of new or replaced sidewalk installed by Public Works. 60,295 FEET of new or replaced curb installed by Public Works. ADA Curb Ramps were installed.769OVER ONE MILLION PEOPLE in attendance at South Bend Cubs, Potawatomi Zoo, Morris Performing Arts Center and events and recreation programming. 10% increase over 2015 and setting a new record! at Venues, Parks & Arts programs and events. 380,000 ATTENDEES in the 5 year life of the clean and safe patrol program. 3,000th instance of graffiti abated Legal Department drafted the City’s first dog park lease, leading to the successful opening of the City’s first dog park. properties were removed from Vacant and Abandoned List.1 8 8 BOND RATING Bond refunding saved taxpayers $160,000 in 2016. $9,067,367And a total of in bond refunding savings has been realized since Mayor Pete assumed office in 2012. for Police service, 6,500 more than in 2015 103,183 CALLS Use of Force and complaints down The South Bend Fire Department responded to 20,000+ EMERGENCY CALLS FOR SERVICE and achieved ISO level 2. by 311, with an average 35 second wait time. 150,431 CALLS ANSWERED 1,809 PUBLIC RECORDS REQUESTS were processed by the Legal Department in 2016, bringing the Administration total to 9,722. through Code Enforcement’s Landlord Registration. 874 LANDLORDS & PROPERTY MANAGERS 5,100 PROPERTIESregistered The City’s new Employee Health & Wellness Center opened for employee use in January. The clinic recorded a total of 5,563 APPOINTMENTS. of lanes were paved in 2016.36.5 MILES of savings and efficiencies realized through Innovation &Technology. $2.75 MILLION 4 MILLION POUNDS of litter and debris abated by the NEAT crew in 2016. of safe drinking water and fire protection for a safer community. 5.2 BILLION GALLONS We introduced our DIVERSITY AND INCLUSION plan with 23 key performance indicators and 62 action items. through MADE program at MLK Center. 7,922 YOUTHS SERVED in private investment in 2016 created$261,000,000 downtown plus an additional 400 UNITS 300 RESIDENTIAL UNITS in Eddy St phase II and 300 JOBS. City negotiated agreements with Pokagon Band of Potawatomi Indians and Pokagon Gaming Authority to result in guaranteed annual $2 MILLION $5 MILLION community donation impact. in city revenue and estimated SOUTH BEND BY THE NUMBERS