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HomeMy WebLinkAboutCity of Oxford - Public Financial Report City of � Oxford �H�� _ Welcome to the City of Oxford's 2022 Online Annual Comprehensive Financial Report Document In order to make your navigation of the City of Oxford's 2022 Annual Comprehensive Financial Report Document eaiser please read the following instructions below. Scroll down to the Table of Contents (slide 5): �CITY OF OXFORD,OHIO ANNUAL COMPREHENSIVE FINANCIAL REPORT YEAR ENDED DECEMBER 31,2022 TABLE OF CONTENTS Page INTRODUCTORY SECTION Transmtttal Letter i City Officials vii Organizational Chart viii GFOA Certificate of Achievement fx With your mouse pointer finger � , click on either the description or page number (ex: Transmittal Letter i). This will take you to the page that you chose. To return to the Table of Contents scroll down to the bottom of the page. PROFILE OF THE GOVERNMENT Oxford is located southwest of Dayton and noRh of Cincinnati in a primanly rural area fn the Mfami Valley Region of Southwestern Ohio. The Cily lies approximately 6 miles east of the Indiana state line in the northwest comer of Butler County. The Cfty has a population of approximately 23,035-2020 Census and covers an area of approximatety 7.50 square miles. Oxford was organized as a municipality in 1830 as a direct result of the growing prominence of Miami University,whfch was founded in 1809 as a state universiry and plays a significant role in the community. Oxford possesses a college-town environment in a beautiful rural settfng. The Unrversily,with a total student population of approximately 19,000,is both a direct and indirect source of many jobs in the City. The Universiry also contributes substantially to the social and cultural environment enhancing Oxford's unfque livfng expenence. In 2022,U.S.News and World Report ranked Miami University in the top 50 National Public University,in the top 5 for Undergraduate Engineering, in the top 50 Undergraduate Busfness Program Natfonal Public Universftfes,and in the top 5 Commitment to Undergraduate Teaching National Public Universities.l With your mouse pointer finger � , click on the page number(ex: i). This will return to the corresponding Table of Contents page. THE CITY OF OXFORD, OHIO O . City of � or OHIO o . . . . ANNUAL COMPREHENSIVE FINANCIAL REPORT For the Year Ended December 31, 2022 CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK CITY OF OXFORD, OHIO ANNUAL COMPREHENSIVE FINANCIAL REPORT FOR THE YEAR ENDED DECEMBER 31, 2022 ISSUED BY: DEPARTMENT OF FINANCE Heidi Hill, Acting Finance Director Stephanie Gray, Acting Assistant Finance Director CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK CITY OF OXFORD, OHIO ANNUAL COMPREHENSIVE FINANCIAL REPORT YEAR ENDED DECEMBER 31, 2022 TABLE OF CONTENTS Page INTRODUCTORY SECTION Transmittal Letter i City Officials vii Organizational Chart viii GFOA Certificate of Achievement ix FINANCIAL SECTION Independent Auditor's Report 1 ManagemenYs Discussion and Analysis 5 Basic Financial Statements Government-wide Financial Statements: Statement of Net Position 18 Statement of Activities 19 Fund Financial Statements: Balance Sheet-Governmental Funds 20 Reconciliation of Total Governmental Fund Balances to Net Position of Governmental Activities 21 Statement of Revenues, Expenditures, and Changes in Fund Balances-Governmental Funds 22 Reconciliation of the Statement of Revenues, Expenditures and Changes in Fund Balances of Governmental Funds to the Statement of Activities 23 Statement of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual-Budget(Non-GAAP) Basis-General Fund 24 Statement of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual-Budget(Non-GAAP) Basis- Fire and EMS Fund 25 Statement of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual-Budget(Non-GAAP) Basis-Parking Fund 26 Statement of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual-Budget(Non-GAAP) Basis-OAT Property Tax Fund 27 Statement of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis-Coronavirus Local Fiscal Recovery Fund 28 Statement of Net Position-Proprietary Funds 29 Statement of Revenues, Expenses, and Changes in Net Position- Proprietary Funds 30 Statement of Cash Flows- Proprietary Funds 31 Statement of Fiduciary Net Position Custodial Funds 32 Statement of Changes in Fiduciary Net Position Custodial Funds 33 Notes to the Basic Financial Statements 35 TABLE OF CONTENTS YEAR ENDED DECEMBER 31, 2022 Page REQUIRED SUPPLEMENTARY INFORMATION SECTION: 75 Schedule of City's Proportionate Share of the Net Pension Liability and City Pension Contributions-Ohio Public Employees Retirement System -Traditional Pension Plan 77 Schedule of City's Proportionate Share of the Net Pension Liability and City Pension Contributions-Ohio Police and Fire Pension Fund 78 Schedule of City's Proportionate Share of the Net OPEB Liability(Asset) and City OPEB Contributions-Ohio Public Employees Retirement System 79 Schedule of City's Proportionate Share of the Net OPEB Liability and City OPEB Contributions-Ohio Police and Fire Pension Fund 80 SUPPLEMENTAL SECTION: 81 Fund Descriptions 83 Combining Balance Sheet- Nonmajor Governmental Funds 87 Combining Balance Sheet- Nonmajor Special Revenue Funds 88 Combining Balance Sheet Nonmajor Debt Service Funds 90 Combining Balance Sheet- Nonmajor Capital Projects Funds 91 Combining Statement of Revenues, Expenditures and Changes in Fund Balances- Nonmajor Governmental Funds 93 Combining Statement of Revenues, Expenditures and Changes in Fund Balances- Nonmajor Special Revenue Funds 94 Combining Statement of Revenues, Expenditures and Changes in Fund Balance Nonmajor Debt Service Funds 96 Combining Statement of Revenues, Expenditures and Changes in Fund Balance Nonmajor Capital Projects Funds 97 Schedule of Revenues, Expenditures, and Changes in Fund Balance- Budget and Actual (Non-GAAP Budget Basis) for the following funds: General Fund 98 Fire and EMS Fund 103 Parking Fund 104 OAT Property Tax Fund 105 Coronavirus Local Fiscal Recovery Fund 106 Street Fund 107 State Highway Fund 108 Community Development Block Grant Fund 109 Community Development Block Grant Loan Fund 110 Law Enforcement Fund 111 Enforcement and Education Fund 112 Life Squad Fund 113 Housing Trust Fund 114 Special Assessment Fund 115 OVI Task Force 116 Southpointe TIF District Fund 117 Local Coronavirus Relief Fund 118 TABLE OF CONTENTS YEAR ENDED DECEMBER 31, 2022 Page SUPPLEMENTAL SECTION: (continued) OneOhio Opioid Settlement Fund 119 Aquatic Center Debt Service Fund 120 Southpointe TIF Debt Service Fund 121 Capital Improvement Fund 122 Capital Equipment Fund 123 Parking Improvement Fund 124 Municipal Facilities Capital Improvement Fund 125 Oxford Area Trails Capital Improvement Fund 126 Aquatic Center Capital Improvement Fund 127 High St. Pedestrian Safety Capital Improvement Fund 128 Combining Statement of Net Position - Internal Service Funds 129 Combining Statement of Revenues, Expenses and Changes in Net Position- Internal Service Funds 130 Combining Statement of Cash Flows- Internal Service Funds 131 Combining Statement of Fiduciary Net Position Custodial Funds 132 Combining Statement of Changes in Fiduciary Net Position Custodial Funds 133 STATISTICAL SECTION: 135 Net Position by Component 136 Changes in Net Position and Program Revenues by Function/Program 140 Fund Balances Governmental Funds 144 Changes in Fund Balances Governmental Funds 146 Assessed and Estimated Actual Value of Taxable Property 148 Property Tax Rates 150 Property Tax Levies and Collections 152 Principal Taxpayers Real Estate Tax 153 Income Tax Revenue Base and Collections 154 Ratio of Outstanding Debt by Type 156 Ratios of General Bonded Debt Outstanding 158 Computation of Direct and Overlapping Debt Attributable to Governmental Activities 159 Ratio of Debt to Actual Value and Debt per Capita 160 Computation of Legal Debt Margin 162 Pledged Revenue Coverage 164 Demographic and Economic Statistics 166 Principal Employers 167 City Government Employees by Function/Activity 168 Operating Indicators by Function/Activity 170 Capital Asset Statistics by Function/Activity 172 � �+ { iJ 1 l,r` i!1 ' i � � r OHIO � : . . . � INTRODUCTORY SECTION CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK ij. Clty Of � � Oxford OHIO � . . The Citizens of Oxford Honorable Mayor and Members of City Council, June 9, 2023 THE ANNUAL COMPREHENSIVE FINANCIAL REPORT This report consists of management's representations concerning the finances of the City of Oxford. Consequently, management assumes full responsibility for the completeness and reliability of all of the information presented in this report. To provide a basis for making these representations, management has established a comprehensive internal control framework that is designed both to protect the governmenYs assets from loss, theft, or misuse and to compile reliable information for the preparation of the City's financial statements in conformity with GAAP (accounting principles generally accepted in the US). Because the cost of internal controls should not outweigh their benefits, the City's comprehensive framework of internal controls is designed to provide reasonable rather than absolute assurance that the financial statements will be free from material misstatement. As management, we assert that, to the best of our knowledge and belief, this financial report is complete and reliable in all material respects. The City's financial statements have been audited by Clark Schaefer Hackett. The goal of the independent audit was to provide reasonable assurance that the financial statements of the City for the fiscal year ended December 31, 2022 are free of material misstatement. The independent audit involved examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements; assessing the accounting principles used and significant estimates made by management; and evaluating the overall financial statement presentation. Clark Schaefer Hackett concluded based upon the audit, that there was a reasonable basis for rendering an unmodified opinion that the City's financial statements for the fiscal year ended December 31, 2022 were fairly present in conformity with GAAP. The independent auditors' opinion is presented as the first component of the financial section of this report. GAAP require management provide a narrative introduction,overview,and analysis to accompany the basic financial statements in the form of Management's Discussion and Analysis (MD&A). This letter of transmittal is designed to complement MD&A and should be read in conjunction with it. The City's MD&A can be found immediately following the report of the independent auditors. PROFILE OF THE GOVERNMENT Oxford is located southwest of Dayton and north of Cincinnati in a primarily rural area in the Miami Valley Region of Southwestern Ohio. The City lies approximately 6 miles east of the Indiana state line in the northwest corner of Butler County. The City has a population of approximately 23,035-2020 Census and covers an area of approximately 7.50 square miles. Oxford was organized as a municipality in 1830 as a direct result of the growing prominence of Miami University,which was founded in 1809 as a state university and plays a significant role in the community. Oxford possesses a college-town environment in a beautiful rural setting. The University, with a total student population of approximately 19,000, is both a direct and indirect source of many jobs in the City. The University also contributes substantially to the social and cultural environment enhancing Oxford's unique living experience. In 2022, U.S. News and World Report ranked Miami University in the top 50 National Public University, in the top 5 for Undergraduate Engineering, in the top 50 Undergraduate Business Program National Public Universities, and in the top 5 Commitment to Undergraduate Teaching National Public Universities. i The City of Oxford is a home-rule municipal corporation created under the laws of the State of Ohio. The City operates under its own Charter. The Charter, which provides for a Council-Manager form of government, was adopted in 1960. The governing Council is responsible for the enactment of ordinances and resolutions to establish policies and to conduct City business, including the annual budget ordinances, and resolutions approving the expenditure of money. The seven-member Council is elected by its citizens as follows: Four members are elected in an odd-numbered year with the remaining three elected in the following odd-numbered year. Council members serve four-year terms and are limited to two consecutive terms. The Mayor and Vice Mayor are chosen by Council from among its members to serve a two-year term. The City Council appoints a City Manager, a Law Director/City Solicitor, and Finance Director. The City Manager is responsible for appointing the Department Heads and City staff. The City Manager is also responsible for the implementation of the Council's policies and other day-to-day administration and service delivery to its constituents. The City provides numerous services, including, among others, police,fire, and emergency services protection; the construction and maintenance of highways and streets; parks and recreational program services; and water, sewer, storm water management, and refuse services. The annual budget is the foundation for the City's financial planning and control. The budget process begins in the summer with the preparation of the 5-year Capital Improvement Plan (CIP). The City Manager typically presents their proposed CIP to the Council the fourth Tuesday in August. The approved capital projects for the forthcoming year are then incorporated into next year's annual operating budget. The operational budget preparation for the coming year begins in August. Department heads submit their budget requests in September, and meetings are held with the City Manager to discuss their requests. The City Manager's proposed budget is published in early October, and budget hearings with Council are held in mid-to-late October. The budget is then approved by ordinance in November. The legal level of budgetary control, that is, the level at which transfers cannot be made without legislative approval, is established at the division level. The City Manager with the approval of the Finance Director can make transfers of appropriations for an unlimited amount within a division. Transfers may also be made for up to $20,000 between divisions within a department or a `function' by the City Manager with the concurrence of the Finance Director. FACTORS AFFECTING FINANCIAL CONDITION Local economy — The City of Oxford has seen a slow but steady increase of income tax and hotel and convention receipts, parking meter revenue, EMS billings, water, sewer and refuse charges since the decreasing effects of the COVID-19 pandemic in 2020 and first half of 2021. The 2022 income levels are back to where they were at the end of 2019. At December 31, 2022, the General Fund had an unassigned fund balance of$8,458,258, or 79.0% of the total general fund annual operating and non-operating expenditures of$10,579,948. For the utility funds, the Water and Sewer Funds have unrestricted net position of$6,827,681 and$3,568,053 each representing 244.1% and 155.2%, respectively, of annual operating and non-operating expenses. While the fund balances as a percentage of operating costs appear significant, fund reserves have been accumulated to fund both working capital and to fund a portion of the total future capital improvements. Refer to the discussion of future proposed capital project costs in the City's 5-year capital plan found later in this report. Future Long-term financial factors - Management is confident it will continue to financially manage the government in order to continue the strong financial condition of the City, by planning for capital outlays, and rising healthcare costs. The 2023 General Fund operating budget has increased from the 2022 original operating budget by 2.5%. This minimal increase is due to budgeted full-time employees received a 3% cost-of-living adjustment (COLA) increase. In 2010, the City was successful in its efforts to get a .25% increase on Income Tax, for the purpose of funding our Fire/EMS services, passed by a margin of 64% for and 36%against. These revenues are placed in a special revenue fund along with other revenues attributed to Fire/EMS activities along with their related expenditures and are reported as a separate Governmental Fund in this year's Annual Comprehensive Financial Report. ii Over the long-term, the next ten years, management is positive regarding the economic outlook of the City as a whole, but is aware of greater financial challenges. The State continues to reduce and eliminate taxes in an effort to attract corporate residents to the State of Ohio. The uncertainty in funding exists with every new biennial budget year for the State of Ohio. The focus may change from one revenue stream to another, but the State legislators are clear that local governments should monitor and be mindful to reduce or eliminate reliance upon taxes, other than real property taxes, to support local services. Anticipating a continual reduction in shared taxes from the State, the City has continued to eliminate its reliance upon local government revenue sharing, and personal property tax to support City services. Additionally, State budget funding to Miami University could also be reduced. Because the University is the City's largest employer and is reliant upon the State for funding assistance, any reduction of funding by the State to the University could have an impact on its employment growth, and hence City income tax revenues. In 2022, the City earned $(706,233) of investment earnings compared to $(118,632), $642,472, and $918,312 in 2021, 2020, and 2019, respectively on an accrual basis. Due to the current economic environment, for the near term, the City expects its investment revenue to stabilize in 2023 then increase slowly as market conditions continue to improve. The City will have to plan for future capital expenditures in the near-term,two to five years,to control spending and to minimize the use of cash reserves as a source of funding. The City has been experiencing a significant increase in its employee health care costs in the last several years. In 2002, the City completed a study of its employee health care program and implemented changes effective January 1, 2003 to manage the cost of benefits provided, and to provide adequate funding of the costs. Primary changes include raising deductible and co-pay levels and initiating monthly employee contributions, where formerly the plan was non-contributory. The City also raised the amount by which it funds the benefit plan from $600 per month in 2003 to $850 for 2008 and a mid-year increase to $950 in 2009. Beginning in 2012, the City began funding $1,011 per month and approximately doubled the employees' monthly contribution. Beginning in 2013, the City began implementing the policy that if an employee's spouse is eligible through their employer to participate in a group insurance program and the spouse would pay 55% or less of the premium for the insurance, then the spouse will be required to enroll in that program as a single. This plan insures that the spouse is insured as well as any of the employee's children would remain under the City's insurance program. In 2016, the City began funding $1,189 per month as well increasing the employees' monthly contribution. In the fall of 2016 and continuing into 2019, the City began funding $1,275 per month as well increasing the employees' monthly contribution by 46.9%. In 2017 the City did a one-time contribution of $320,000 based on the monthly contribution for each department across all funds. This was done to solidify the fund for future medical expenses. The City continues to be vigilant in monitoring and controlling health care costs for the future. Including implementing new prescription programs and exploring other cost saving measures. The potential future economic factors above are presented to enable the reader to understand factors which may have an influence on the City's long-term finances. To summarize, the City expects to experience slow increases to most revenue streams in its General Fund as the COVID-19 pandemic recovers. To accommodate this, the City has established a controlled spending approach, whereby all expenditures are evaluated as to its appropriateness and necessity to be performed this fiscal year. The delicate balance of revenue to expenditures are monitored and managed at all levels to avoid extreme fluctuations where costs can be controlled. As a result of conservative financial management, the City has successfully minimized the impact of the tightening of the past couple of years and looks forward to continual progress to improve its financial condition while maintaining both its existing services and its strong financial position. Management is confident from past performance that it will be able to recognize and respond effectively to future changes in economic conditions. The City will continue to carefully monitor these conditions and continue to be conservative in its management philosophy. iii CITY-WIDE INITIATIVES Economic Development— In the fall of 2006, the City's Charter review committee was formed and one of its suggestions for the City Of Oxford city council to consider was removing the three dwelling unit restriction in the Uptown Business District. This proposal was to encourage redevelopment in the Uptown Business District. A subcommittee was formed and brought back ballot language to council. In November of 2008, Issue 20 passed by a vote of 59% in favor of the development plan. In 2021, additional redevelopment projects continue to take place in this district because of this change in legislation. In 2023,the construction of the new Caroline Scott Harrison building was completed and has 11 apartments on the 2nd and 3rd floors. It also has 2 commercial space areas on the first floor, one that is already rented by local law firm. We expect that the 2nd space will be built out as a restaurant in 2024. In July 2022, the Kettering Health Network completed their new 15,000 square-foot facility on University Blvd., and houses a full staff of family practice medical staff. Across the street on Southpointe Parkway, construction recently completed on gas station convenience store complex consisting of five fuel dispensers/islands(1 pump on each side of dispenser; 10 total pumps); a western 5,524 sq. ft. gas station/convenience store building and an eastern 4,450 sq. ft. retail space building. In 2023,this retail space leases a Penn Station sandwich shop and medical marijuana dispensary. In January of 2017, both the City of Oxford and Miami University pledged$350,000 toward the construction of a 300-foot train platform for an Amtrak stop in the City. The Cardinal Line currently passes through Oxford Mondays, Thursdays, and Saturdays bound for Chicago, and on Tuesdays, Fridays and Sundays bound for New York. In April of 2021, the City entered into a contract for the architectural and engineering of the platform and shelter. The City recently received the Term Sheet from Amtrak concerning this project that is currently under review by the City's Administration. In 2022, the City of Oxford was awarded $2 million in grant funding to construct the Amtrak platform and has begun the final engineering and design phase. The engineering and design phase will continue in 2024 with construction of the platform to begin in 2025. In January of 2020, Oxford's City Council passed a resolution allowing the City Manager to submit a joint proposal with Miami University to the State Capital Budget and Jobs Ohio for a "Technology, Entrepreneurship, and Creativity Hub (TECH)". This project will repurpose Miami's Elm Street building, possibly expanding service of Oxford Community Arts Center and neighborhood re-development of the Elm Street corridor. There has been a lot of progress on the proposed "Technology, Entrepreneurship, and Creativity Hub (TECH)" Hub. First is a new name. The project has grown and is now operating under the name College@Elm a Workforce Development& Innovation Center. Since early 2020, the College@Elm has been able to secure an anchor tenant promising to bring 50 high quality jobs. The University and City have also been able to raise $2.5 million in funding for renovations: $1 million from the State Capital Community Projects Grant and $1.5 million from JobsOhio Vibrant Communities Grant. Together, Miami University and the City of Oxford continue to seek funding for the estimated $10.7 million project and renovations began in early 2022. In 2023, the renovation of the College@Elm was completed and the City and Miami University are now working to move tenants into their space. It is expected that at least 2 tenants will move in by the end of 2023 and that the facility will be at full capacity by the end of 2024. Residential Development-The City Housing Needs Assessment conducted in 2019 indicated a high need for more available housing. A new residential development Heritage Vineyard on the City's northwest side of town began construction in 2019. This development will occur in two phases. The first phase consisted of 27 units out of a total 50 once complete. All the necessary infrastructure improvements were completed in 2019 and eleven permits have been pulled to date. This project will fill a niche in the Oxford's housing stock of homes with smaller lot size for people looking to down size. iv Other new residential projects include Lake Forest Phase 1, with 36 single-family condominium units on a roughly 12-acre site off US 27 and Lake Forest Drive. The City assisted with the development of this project with the City issuance of $2.6 million in bonds for the construction of a secondary access road for the Southpointe development. This projected was completed in the summer of 2020 and dedicated to the City as Lake Forest Drive. Two housing projects have been proposed on this new street. These bonds will be paid off with TIF revenues on the Annex project completed in 2018. These bonds will be paid off in full in 2028. These combined GO bonds all-in interest cost came in at 3.13%. South Farm development project, the developer proposes to subdivide this roughly 7-acre site into 25 single-family residential lots. The lots will be situated on a new public street (Hoover Drive), connected to an extended segment of Roberts Drive. Another residential development in the same area is the Heron Pond project. In this location the developer proposes to construct 15 detached single-family condominium units along a new private street connecting the existing private Cobblestone driveway to the intersection of Roberts Drive and Morgan Circle, which are public streets. City Council approved Final Planned Development. In 2021 the work on a new planned development began as well. Owls Landing, a 22-acre development with 86 single-family lots off Brookville Rd, was approved by the Planning Commission. January of 2022, City Council approved the Preliminary Subdivision and Preliminary Planned Development Applications for Owls Landing. In 2023, Owls Landing has begun site preparation and hopes to move into the construction phase by 2024. Using American Rescue Plan Funds, the City has invested in acquiring property for the future build out of affordable housing for members in our community.The City is now in discussions with developers to attempt to increase the housing stock in our community. Five-Year Capital Improvement Plan (CIP) — The City's capital plan includes an infrastructure replacement component based on a continuous improvement philosophy. Every year the City invests in improvements and in equipment, utility replacement and infrastructure improvements. The City completed its new Aquatic Center at the Oxford Community Park in the time for the summer of 2019 season. This project was paid for by the issuing of debt. The City issued $4.615 million in bonds in 2019 to repay the Aquatic Center note and interest and will be paid off in full in 2042. The City finished the first phase of the Oxford Area Trail in 2017. This project has been talked about for more than fifteen years. It was accomplished by grant funding and donations for the match associated with the grant. In the spring of 2018, a ballot issue was passed by voters for a 3.25 mill property tax, sun setting in ten years, to provide matching funds for future grants and trail construction. This is a long term project with the hopes to have the trail circle the City as well as have connections to neighborhoods throughout the City. Phase 2 of the project, a new segment of OATS trail from SR73 to US27, began in 2019 with work being completed in the summer of 2020. In 2021, the engineering and design planning for Phases 3 & 4 of the Oxford Area Trail began. Phase 3 has two segments, Bonham Rd. to SR73 and Peffer Park to Talawanda High School and Phase 4 Talawanda Middle School to Oxford Community Park. Both phases are tentatively scheduled to be bid out in the winter of 2022. Also in 2021, the City applied for grant funding for phases 5 which will connect the Talawanda High School to the Talawanda Middle School and provide a connection up to Chestnut Street. The City was notified in the fall of 2021 that they were awarded $2.7 million toward the construction of phase 5. The construction funding will be released in 2025, but the engineering and design planning has already begun and must be completed by mid-2024 to begin construction in 2025. The other major capital improvement in the five-year capital plan is the Water Softening Project. In 2021 a feasibility study was conducted to review water softening options. In 2022, an RFQ was sought out for design and engineering. The contract for design and engineering began in 2023. The City commissioned a study with Strand Associates, Inc. (Strand)to evaluate alternatives to provide softening at the sole treatment plant in Oxford. Alternatives included lime softening, fluidized bed reactor, ion exchange, and membrane softening. v The City also studied purchasing wholesale water from a neighboring utility and transporting it to Oxford. Ultimately, the City chose membrane softening for our treatment plant. This alternative not only provides the desired softening for utility customers, but also adds another layer of protection from emerging contaminants such as polyfluoroalkyl (PFAS) compounds. The City has chosen to continue with Strand for the full design and engineering of the softening plant; the plans are expected to be complete in early 2024. The construction of the softening plant is expected to cost approximately$17 million. AWARDS AND ACKNOWLEDGEMENTS GFOA Certificate of Achievement Award 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 Oxford, Ohio for its Annual Comprehensive Financial Report for the fiscal year ended December 31, 2021. The City of Oxford has received a Certificate of Achievement for the last thirty-eight consecutive years (years ended 1984-2021). In order to be awarded a Certificate of Achievement, a government must publish an easily readable and efficiently organized Annual Comprehensive Financial Report. This report must satisfy both GAAP and applicable legal standards. A Certificate of Achievement is valid for a period of one year only. We believe this report conforms to the reporting standards set forth by the GFOA, and we are submitting it to the GFOA to determine its eligibility for another certificate. The Certificate of Achievement is the highest form of recognition in the area of governmental financial reporting, and its attainment is a significant accomplishment by a governmental unit. The publication of this Annual Comprehensive Financial Report is indicative of the City's commitment to provide significantly enhanced financial information and accountability to the citizens, its elected officials, City management, and investors. Acknowledgments This report is the culmination of months of hard work by many individuals. I want to thank our late Finance Director Joseph Newlin, Acting Assistant Finance Director Stephanie Gray, Accounting Specialist LeAnn Isenhart, Payroll Specialist Katrina Bockover. I also wish to thank Carole Reimer and Jenny Marcum Utility Collections Specialists for their assistance with this Annual Comprehensive Financial Report and their continued high-quality work in diligently carrying out their responsibilities within the finance department. Additional thanks are also due to the staff of Clark, Schaefer, Hackett, and Co., Certified Public Accountants. Members of the staff contributed greatly, working with City finance department staff toward the preparation and audit of these financial statements. Finally, a special word of thanks is necessary to recognize the efforts of inembers of City Council and the City Administration past and present whose conservative fiscal management and solid decision-making are reflected in the sound financial position of the City of Oxford. As a result of their hard work, under the GASB 34 reporting model format, this report presents information in an organized manner to provide greater insight regarding the City's finances. We hope readers of this financial report will find the report beneficial in understanding the City's financial organization, financial position and condition, net assets and results of operations. Respectfully, � � ' ',,( � II'� Q � �� � �(.:J�.C, `t�l� Douglas R. Elliott J Heidi Hill Stephanie Gray City Manager Acting Finance Director Acting Assistant Finance Director vi CITY OF OXFORD, OHIO CITY OFFICIALS AS OF DECEMBER 31, 2022 City Council (Elected Officials) William Snavely Mayor Chantel Raghu Vice-Mayor Jason Bracken Council Member Glenn Ellerbe Council Member Amber Franklin Council Member Alexandria French Council Member David Prytherch Council Member Administration Doulas R. Elliott, Jr. City Manager Jessica Greene Assistant City Manager/HR Director Casey Wooddell Parks & Recreation Director Mike Dreisbach Service Director Sam Perry Community Development Director John Detherage Fire Chief Heather Barbour Clerk of Council Chris Conard Law Director Heidi Hill Acting Finance Director John Jones Police Chief Department of Finance Heidi Hill Acting Finance Director Stephanie Gray Acting Assistant Finance Director Katrina Bockover Payroll Specialist Vacant Finance Specialist LeAnn Isenhart Accounting Specialist Carole Reimer Utility Collections Specialist Jenny Marcum Utility Collections Specialist vii v " � � � � __ £ o � � o o _ = m � - > v � i0 N a"' �' m > U � � � � a � — tl0 N C � � £ V ~ y C � � � �n p � a � C U! .� d � a ip U � c v �n — E v tw c o in '� f0 � `0 � c m vi C � O � � C T � iy �^ fo � u V �� T O +� a� '^ � a O N i in .+ '^ �c G�J � j � i O � 7 �� � C +i O ' � � O E �n N v a 0 � U E .� O O O u N O b0 N � �U .'^ � � U .'^ U U �� N aJ _VY K Qc � � Ec C .� N E � N �C !0 �fUO w — C �> O C 7 C U � � � C � t� p L� in � O C � O O � O O N � O '- p C C U U w 2 U 2 a a U � in U U 0 a O O �V1 C d @ � O v £ • • • • • • • • • • - u £ t6 N v K Va�i � o2S Y � d � U � v v � � C � '� c O N � V C i � � C � v O � U/ � Q C ^ _ W � C LL � � � � � O _ � � U a ' � o � o > o � _ ._ � � � a £ ,_ � _ a� � � � _ � _ il N �p � �� O Y y � CU y U � � U u ro a�'1 V U � � p h9 'p i U � � s � � N N � � � V L �- �+ O m E v a�i °' � `o � �o `^ � �- � = LL � Q O � � � N m w U � o m v u =( � LL O V � O V N � T 3 a, J N N �6 � Q �p O C O v � (�j m a.�., � � _ N C C C ..�o+ p O — c � O a1 C � O 3 �O_ a N 09 N V N � _ � � > C C � � C V 3 � � v V j 2 � Y � N £ � C � � S � � � O_ � 0 3 v H � v � v � v v ° '^ a3i � � °° °� -� o2S � � o v `° � � � c c N a �> > � v U �� �� .c � � v � T -O fp � � 2 C Q Y O C �> tn to � aJ v � r N _ .� � T x � L Q U O w w � L � � � = �] p- +' �a b30 � � N O w v d � � v � � a � ~ o °Ja � � �y V N � � � °' — '^ -a o = �o i °' c � E � � � o v Q 'c E a � H ° � v a"i � = a N u° � � o o a a � '' � v � . . . . . . . . v � U � i m � N ., Government Finance Officers Association Certificate o f Achievement for Excellence in Financial Reporting Presented to City o f O�ord Ohio For its Annual Comprehensive Financial Report For the Fiscal Year Ended December 31, 2021 � ��.. P- 7�.�n� Executive Director/CEO ix CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK x • •► .; i�1 l.�' V 1 ' i � � r OHIO � : . . . � F I NAN C IAL S ECTI O N CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK � One East Fourth Street,Suite 1200,Cincinnati,Ohio 45202 BUSINESS ADVISORS P. 513.241.3111 � F.513.241.1212 INDEPENDENT AUDITORS' REPORT To the City Council City of Oxford, Ohio: Report on the Financial Statements Opinions We have audited the financial statements of the governmental activities, the business-type activities, each major fund, and the aggregate remaining fund information of the City of Oxford, Ohio (the "City") as of and for the year ended December 31, 2022, and the related notes to the financial statements, which collectively comprise the City's basic financial statements as listed in the table of contents. In our opinion, the accompanying 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 of Oxford, Ohio, as of December 31, 2022, and the respective changes in financial position and, where applicable, cash flows, and the respective budgetary comparisons for the General Fund, Fire and EMS Fund, Parking Fund, Oxford Area Trails Property Tax Fund, and Coronavirus Local Fiscal Recovery Fund thereof for the year then ended in accordance with accounting principles generally accepted in the United States of America. Basis for Opinions 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 (GovernmentAuditing Standards.) Our responsibilities under those standards are further described in the Auditors' Responsibilities for the Audit of the Financial Statements section of our report. We are required to be independent of the City of Oxford, Ohio and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements relating to our audit. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinions. Responsibilities of Management for the Financial Statements Management is responsible for the preparation and fair presentation of the financial statements in accordance with accounting principles generally accepted in the United States of America, and for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error. In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the City of Oxford, Ohio's ability to continue as a going concern for twelve months beyond the financial statement date, including any currently known information that may raise substantial doubt shortly thereafter. Auditors'Responsibilities for the Audit of the Financial Statements Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditors' report that includes our opinions. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in accordance with generally accepted auditing standards and Government Auditing Standards will always detect a material misstatement when it exists. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control. Misstatements are considered material if there is a substantial likelihood that, individually or in the aggregate, they would influence the judgment made by a reasonable user based on the financial statements. In performing an audit in accordance with generally accepted auditing standards and Government Auditing Standards, we: • exercise professional judgment and maintain professional skepticism throughout the audit. • identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures responsive to those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. • obtain an understanding of internal control relevant to the audit 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 City of Oxford, Ohio's internal control. Accordingly, no such opinion is expressed. • evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the overall presentation of the financial statements. • conclude whether, in ourjudgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about City of Oxford, Ohio's ability to continue as a going concern for a reasonable period of time. We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit, significant audit findings, and certain internal control-related matters that we identified during the audit. Required Supplementary Information Accounting principles generally accepted in the United States of America require that the management's discussion and analysis and other required supplementary information, as identified 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 managemenYs 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. 2 Supplementary 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 combining and individual nonmajor fund financial statements and schedules are presented for purposes of additional analysis and are not a required part of the basic financial statements. Such information is the responsibility of management and was derived from and relates directly to the underlying accounting and other records used to prepare the financial statements. The 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 nonmajor fund financial statements and schedules are fairly stated, in all material respects, in relation to the basic financial statements as a whole. Other Information Management is responsible for the other information included in the annual report. The other information comprises the introductory and statistical sections but does not include the basic financial statements and our auditors' report thereon. Our opinions on the basic financial statements do not cover the other information, and we do not express an opinion or any form of assurance on them. In connection with our audit of the basic financial statements, our responsibility is to read the other information and consider whether a material inconsistency exists between the other information and the basic financial statements, or the other information otherwise appears to be materially misstated. If, based on the work performed, we conclude that an uncorrected material misstatement of the other information exists, we are required to describe it in our report. Other Reporting Required by GovernmentAuditing Standards In accordance with Government Auditing Standards, we have also issued our report dated June 9, 2023 on our consideration of the City of Oxford, Ohio'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 solely to describe the scope of our testing of internal control over financial reporting and compliance and the results of that testing, and not to provide an opinion on the effectiveness of the City of Oxford, Ohio's internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the City of Oxford, Ohio's internal control over financial reporting and compliance. (��Rf`K.� JGf�Re��f`� T/QG�tt (X. (�4, Cincinnati, Ohio June 9, 2023 3 CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK 4 City of � �xford OHIO MANAGEMENT'S DISCUSSION AND ANALYSIS (Unaudited) This discussion and analysis provides key information from management highlighting the overall financial performance of the City of Oxford for the year ended December 31, 2022. This is meant to be an easily readable summary of the most important financial information regarding the accompanying financial statements. I. FINANCIAL HIGHLIGHTS Key financial highlights for 2022 are as follows: ➢ In total, net position increased by $2,523,397. Net position of governmental activities increased by $2,879,888, which represents a 4.42% increase from 2021. Governmental activities assets increased $3,038,807 or 3.35%, while governmental activities total liabilities decreased $617,580 or 2.73%. The net position of business-type activities decreased by $356,491, or 0.87% from 2021. Business-type assets decreased by$1,120,939 or 2.45%,while liabilities decreased$890,645 or 24.43%. ➢ Total general revenues account for $15,148,736 in revenue, or 52.60% of all revenues. Program specific revenues in the form of charges for services and grants and contributions accounted for $13,652,401, or 47.40%of total revenues of$28,801,137. ➢ The City had $18,734,665 in expenses related to governmental activities; only $6,191,274 of these expenses were offset by program specific charges for services, grants, or contributions. General Revenues (primarily taxes) of$15,423,279 and Program Revenues of$6,191,274 were able to fully provide for these programs. ➢ Among major funds, the general fund had $13,478,943 in revenues and $10,726,627 in expenditures. The general fund's fund balance decreased by$241,161. II. OVERVIEW OF THE FINANCIAL STATEMENTS This annual report consists of four parts — managemenYs discussion and analysis, the basic financial statements, required supplementary information, and supplementary information, which includes the presentation of combining statements for non-major governmental funds, internal service funds and custodial funds. This annual report consists of a series of financial statements that are as follows: The Basic Financial Statements • Financial Statements for the City as Whole. The Statement of Net Position and the Statement of Activities (on pages 18 and 19) provide information about the activities of the City as a whole and present a longer- term view of the City's finances. • Individual Fund Financial Statements. Fund financial statements also reflect the City's operations in more detail than the government-wide financial statements by providing information about the City's major funds. For governmental activities, these statements tell how these services were financed in the short-term as well as what remains for future spending.These statements begin on page 20. • Fiduciary Financial Statement. The fiduciary financial statements (page 32) provides financial information about activities for which the City acts as the fiscal agent for the benefit of those outside the City. • Notes to the Basic Financial Statements. The Notes (beginning on page 35) provide helpful information explaining the City's significant accounting procedures and provide greater detail regarding financial statement components. ManagemenYs Discussion and Analysis 5 • Statement of Revenues, Expenditures and Chanqes in Fund Balances - Budqet and Actual - Budqet (Non- GAAP) Basis. Statements (pages 24 to 28) are presented for the General Fund and major special revenue funds that compare actual results to the original and final budgets for those funds. Required Supplementary Information • Schedules of Citv's Proportionate Share of the Net Pension Liabilitv and Citv Pension Contribution. Required supplementary schedules (pages 77 to 78) that provide information on the City's proportion and its proportionate share of the net pension liabilities and City pension contributions with its participation in two of the State-wide retirement systems: the Ohio Public Employees Retirement System (OPERS) and the Ohio Police and Fire Pension Fund (OP&F). • Schedules of Citv's Proportionate Share of the Net OPEB Liabilitv/(Asset) and Citv OPEB Contributions. Required supplementary schedules (pages 79 to 80)that provide information on the City's proportion and its proportionate share of the net other postemployment benefit (OPEB) liabilities and assets and City OPEB contributions with its participation in OPERS and OP&F. A. Reporting the City as a Whole Government-wide statements Our analysis of the City as a whole begins on page 8. One of the most important questions asked about the City's finances is, "Is the City as a whole better off or worse off as a result of the year's activities?" The Statement of Net Position and the Statement of Activities report information about the City as a whole and about its activities in a way that helps answer this question. These statements include all assets, deferred outflows of resources, liabilities and deferred inflows of resources using the accrual basis of accounting, which is similar to the accounting used by most private-sector companies.All of the current year's revenues and expenses are taken into account, regardless of when cash is received or paid. These two statements report the City's net position and changes in them. You can think of the City's net position — assets and deferred outflows of resources, reduced by liabilities and deferred inflows of resources - as one way to measure the City's financial health, or financial position. Over time, increases or decreases in the City's net position are one indicator of whether its financial health is improving or deteriorating. You will want to consider other nonfinancial factors, however, such as changes in the City's property tax base and the condition of the City's roads, to assess the overall health of the City. In the Statement of Net Position and the Statement of Activities,we divide the City into two kinds of activities: • Governmental activities—Most of the City's basic services are reported here, including the police, fire and life squad, parking, parks and recreation departments, community environment, public health and welfare and general government administration. Income taxes, property taxes, and state and federal grants finance most of these activities. • Business-tvpe activities—These services are provided on a charge for goods or services basis in an effort to recover all of the expenses of the goods or services provided. The City provides water, sewer, refuse and stormwater utility services as business activities. ManagemenYs Discussion and Analysis 6 B. Reporting the City's Most Significant Funds Fund financial statements The City accounts for its activities using many individual funds. The most significant funds are reported in separate columns in the fund financial statements that begin on page 20. These statements provide detailed information about the individual maior funds — unlike the qovernment-wide financial statements, which report on the City as a whole. Some funds are required to be established by State law. However, the City Council establishes many other funds to help it control and manage money for particular purposes, like parking, water, sewer, and refuse activities. City Council may also establish separate funds to show that it is meeting legal responsibilities for using certain taxes, grants, or other money. The City's three types of funds —governmental, proprietary and fiduciary - use different accounting methods. • Governmental funds- Most of the City's basic services are reported in governmental funds. The fund statements present how cash flows into and out of those funds, and show the balances remaining at year-end that are available for future spending. These funds are reported using an accounting method called modified accrual accounting, which measures cash and all other financial assets that can readily be converted to cash. Information in governmental fund statements helps you determine whether there are more or fewer financial resources that can be spent in the near future to finance the City's programs. The governmental fund statements provide a detailed short-term view of the City's general government operations and the basic services it provides. The government—wide financials, as previously described, present the government funds on the whole using the full accrual accounting basis. The differences between governmental activities as reported in the aovernment- wide financial statements and as reported in the fund statements are presented in reconciliation on the right- hand side of the fund financial statements. • Proprietary funds — There are two types of proprietary funds, enterprise funds and internal service funds. Proprietary funds are reported using the full accrual accounting basis. When the City charges customers for the services it provides with the intention that the charges will fully cover the cost of the services, these activities are reported in enterprise funds. Enterprise funds are generally reported in the same way that all activities are reported in the government-wide Statement of Net Position and Statement of Activities. In fact, the City's four enterprise funds (water, sewer, refuse and storm water funds) are the same as we report in the combined business-type activities column in the government-wide statements. The individual fund statements for water, sewer, refuse and stormwater operations provide more detail and additional information, such as cash flows. Internal service funds are used to report activities within the government that are centralized for efficiency in separate funds in order to provide supplies and services to the other City programs and activities. The City has two separate funds: for fuel, postage services; and employee health insurance. These internal service funds are combined and shown in a separate column in the proprietary funds statements. In the government-wide financials,their activities are consolidated into the governmental and business-type activities. • Fiduciary funds — Fiduciary funds are used to account for resources held for the benefit of parties outside the government. Fiduciary funds are not reflected in the government-wide financial statement because the resources of those funds are not available to support the City's own programs. All of the City's fiduciary activities are reported in a separate set of fiduciary funds' statements. ManagemenYs Discussion and Analysis 7 III.THE CITY AS A WHOLE A. Net position at year-end The 2022 fiscal year activities generated a $2,523,397 increase in the City's net position. This is a 2.38% increase from 2021 to 2022. Governmental activities had an increase in net position of $2,879,888 and the balance of $356,491 was a decrease attributed to Business-type activities. The positive change in net position in governmental activities was slightly lower compared to 2021. The following table presents a condensed summary of the City's overall financial position at December 31, 2022 and 2021: Table 1 Net Position Governmental Activities Business-Type Activities Total 2022 2021 2022 2021 2022 2021 Current and other assets $ 30,125,438 $ 27,421,844 $ 18,974,892 $ 19,086,087 $ 49,100,330 $ 46,507,931 Capital assets 63,659,396 63,324,183 25,724,873 26,734,617 89,384,269 90,058,800 93,784,834 90,746,027 44,699,765 45,820,704 138,484,599 136,566,731 Deferred outflows of resources 5,541,457 4,106,599 595,275 425,678 6,136,732 4,532,277 Long-term liabilities: Net pension liability 10,245,128 11,860,900 1,291,912 2,151,669 11,537,040 14,012,569 Net OPEB liability 1,451,753 1,337,607 - - 1,451,753 1,337,607 Other long-term amounts 7,221,841 7,512,903 1,109,047 1,260,615 8,330,888 8,773,518 Other liabilities 3,101,264 1,926,156 354,136 233,456 3,455,400 2,159,612 22,019,986 22,637,566 2,755,095 3,645,740 24,775,081 26,283,306 Deferred inflows of resources 9,324,269 7,112,912 2,046,037 1,750,243 11,370,306 8,863,155 Net position: Net investment in capital assets 57,377,276 56,634,457 25,724,873 26,734,617 83,102,149 83,369,074 Restricted 8,207,886 8,360,329 2,836,790 2,593,484 11,044,676 10,953,813 Unrestricted 2,396,874 107,362 11,932,245 11,522,298 14,329,119 11,629,660 $ 67,982,036 $ 65,102,148 $ 40,493,908 $ 40,850,399 $ 108,475,944 $ 105,952,547 Beginning net position $ 65,102,148 $62,015,388 $ 40,850,399 $39,270,265 $ 105,952,547 $101,285,653 Change in net position 2,879,888 3,086,760 (356,491) 1,580,134 2,523,397 4,666,894 Ending net position $ 67,982,036 $ 65,102,148 $ 40,493,908 $ 40,850,399 $ 108,475,944 $ 105,952,547 The net pension liability (NPL) is reported pursuant to GASB Statement 68, Accounting and Financial Reporting for Pensions—an Amendment of GASB Statement 27. The net OPEB liability and asset are reported pursuant to GASB Statement 75, Accounting and Financial Reporting for Postemployment Benefits Other Than Pensions. For reasons discussed below, many end users of this financial statement will gain a clearer understanding of the City's actual financial condition by adding deferred inflows related to pension and OPEB, the net pension liability and the net OPEB liability to the reported net position and subtracting the net OPEB asset and deferred outflows related to pension and OPEB. Governmental Accounting Standards Board (GASB) standards are national and apply to all government financial reports prepared in accordance with generally accepted accounting principles. Prior accounting for pensions (GASB Statement No. 27) and postemployment benefits (GASB Statement No. 45) focused on a funding approach. This approach limited pension and OPEB costs to contributions annually required by law, which may or may not be sufficient to fully fund each plan's net pension liability or net OBEP liability. GASB Statement No. 68 and GASB Statement No. 75 take an earnings approach to pension and OPEB accounting; however, the nature of Ohio's statewide pension/OPEB plans and state law governing those systems requires additional explanation in order to properly understand the information presented in these statements. ManagemenYs Discussion and Analysis 8 GASB Statement No. 68 and GASB Statement No. 75 require the net pension liability and the net OPEB liability/(asset)to equal the City's proportionate share of each plan's collective: 1. Present value of estimated future pension/OPEB benefits attributable to active and inactive employees' past service 2 Minus plan assets available to pay these benefits GASB notes that pension and OPEB obligations, whether funded or unfunded, are part of the "employment exchange" —that is, the employee is trading his or her labor in exchange for wages, benefits, and the promise of a future pension and other postemployment benefits. GASB noted that the unfunded portion of this promise is a present obligation of the government, part of a bargained-for benefit to the employee, and should accordingly be reported by the government as a liability since they received the benefit of the exchange. However, the City is not responsible for certain key factors affecting the balance of these liabilities. In Ohio, the employee shares the obligation of funding pension benefits with the employer. Both employer and employee contribution rates are capped by State statute. A change in these caps requires action of both Houses of the General Assembly and approval of the Governor. Benefit provisions are also determined by State statute. The Ohio revised Code permits, but does not require the retirement systems to provide healthcare to eligible benefit recipients. The retirement systems may allocate a portion of the employer contributions to provide for these OPEB benefits. The employee enters the employment exchange with the knowledge that the employer's promise is limited not by contract but by law. The employer enters the exchange also knowing that there is a specific, legal limit to its contribution to the retirement system. In Ohio, there is no legal means to enforce the unfunded liability of the pension/OPEB plan as against the public employer. State law operates to mitigate/lessen the moral obligation of the public employer to the employee, because all parties enter the employment exchange with notice as to the law. The retirement system is responsible for the administration of the pension and OPEB plans. Most long-term liabilities have set repayment schedules or, in the case of compensated absences (i.e. sick and vacation leave), are satisfied through paid time-off or termination payments. There is no repayment schedule for the net pension liability or the net OPEB liability. As explained above, changes in benefits, contribution rates, and return on investments affect the balance of these liabilities, but are outside the control of the local government. In the event that contributions, investment returns, and other changes are insufficient to keep up with required payments, State statute does not assign/identify the responsible party for the unfunded portion. Due to the unique nature of how the net pension liability and the net OPEB liability are satisfied, these liabilities are separately identified within the long- term liability section of the statement of net position. In accordance with GASB Statement No. 68 and GASB Statement No. 75, the City's statements prepared on an accrual basis of accounting include an annual pension expense and an annual OPEB expense for their proportionate share of each plan's change in net pension liability and net OPEB liability/(asset), respectively, not accounted for as deferred inflows/outflows. The City deliberately utilizes conservative budgeting and spending practices. Actual 2022 revenues exceeded estimates in most funds, and expenses were lower than budgeted. The majority of the capital improvements appearing in both Governmental Activities and Business-Type Activities are being paid for in cash drawing down the unrestricted portion of their net positions. The City over the past several years has designated cash for specific future capital expenses in the hope that less debt would be issued to perform specific infrastructure projects and or to construct future public facilities. Net capital assets increased for governmental activities in 2022, the details of changes are discussed in Note 9 to the financial statements. B. Governmental and Business-Type Activities The City receives an income tax based on 2.00%of all salaries,wages, commissions and other compensation and on net profits earned from residents living within the City and businesses operating in the City. Income, property and other taxes total $14,249,148, which represents 49.47% of revenues for the City in 2022. The City's reliance upon tax revenues is demonstrated by the following graph: ManagemenYs Discussion and Analysis 9 Percent of 4.s��a z z�, Revenue Sources 2022 Total l0.'4� Program revenues $ 13,652,401 47.35% z.45� -� � Income tax 11,156,867 38.69% � Investment earnings (706,233) -2.45% Property and other local taxes 3,092,281 10.72% Grants and contributions �Unrestr���ea> 1,292,958 4.48% �,_��� Other general revenues 347,054 1.21% 3874, $ 28,835,328 100.00% The following table presents a condensed summary of the City's activities during 2022 and the resulting change in net position compared to 2021. Table 2 Changes in Net Position Business- Governmental Activities Type Activities Total 2022 2021 2022 2021 2022 2021 Program revenues: Charges for services $ 3,638,475 $ 3,527,505 $ 7,216,016 $ 7,076,520 $ 10,854,491 $ 10,604,025 Operating grants and contributions 1,120,897 1,064,092 - - 1,120,897 1,064,092 Capital grants and contributions 1,431,902 3,637,726 245,111 178,003 1,677,013 3,815,729 6,191,274 8,229,323 7,461,127 7,254,523 13,652,401 15,483,846 General revenues: Income taxes 11,156,867 9,962,247 - - 11,156,867 9,962,247 Property and other taxes 3,092,281 3,010,631 - - 3,092,281 3,010,631 Grants and contributions not restricted to specific programs 1,258,767 709,220 - - 1,258,767 709,220 Investment earnings (396,752) (60,033) (309,481) (58,599) (706,233) (118,632) Miscellaneous 312,116 416,904 34,938 36,884 347,054 453,788 15,423,279 14,038,969 (274,543) (21,715) 15,148,736 14,017,254 Total revenues 21,614,553 22,268,292 7,186,584 7,232,808 28,801,137 29,501,100 Expenses: Security of persons and property 9,416,735 8,448,985 - - 9,416,735 8,448,985 Public health services 179,857 133,367 - - 179,857 133,367 Leisure time activities 1,954,367 1,745,849 - - 1,954,367 1,745,849 Community and economic development 1,065,198 762,929 - - 1,065,198 762,929 Transportation 3,338,514 5,477,619 - - 3,338,514 5,477,619 General government 2,577,688 2,399,064 - - 2,577,688 2,399,064 Interest on long-term debt 202,306 213,719 - - 202,306 213,719 Water - - 2,893,459 1,674,092 2,893,459 1,674,092 Sewer - - 2,891,636 2,396,229 2,891,636 2,396,229 Refuse - - 1,728,350 1,569,908 1,728,350 1,569,908 Stormwater - - 29,630 12,445 29,630 12,445 Total expenses 18,734,665 19,181,532 7,543,075 5,652,674 26,277,740 24,834,206 Change in net position 2,879,888 3,086,760 (356,491) 1,580,134 2,523,397 4,666,894 Beginning net position 65,102,148 62,015,388 40,850,399 39,270,265 105,952,547 101,285,653 Ending net position $67,982,036 $65,102,148 $40,493,908 $40,850,399 $ 108,475,944 $ 105,952,547 ManagemenYs Discussion and Analysis 10 The City experienced a decrease in capital grants and contribution due to the City sponsoring a grant for pedestrian safety improvements on High Street on Miami University's campus in 2021. The City received funding for this project from the Ohio Department of Transportation (ODOT) and Miami University, with Miami University being responsible for the upkeep. The City's income tax collections continued to increase as the local economy continues to rebound from the 2020 pandemic. The City's unrestricted grants and contributions benefitted from continued support from the Federal government under the American Rescue Plan Act (ARPA) and CARES Act funding from Butler County to support local businesses. The City's investments continued to be impacted by macroeconomic conditions, recognizing unrealized losses in excess of realized investment and interest income of negative $706,000. Program expenses are discussed in the following section. 1)Governmental activities The chart below presents the total cost of each of the City's primary services and the program revenue generated by each function. Approximately 33.05% of the cost of the governmental activities was recouped in program revenues in 2022 compared with 42.90% in 2021 and 31.77% in 2020. Thus, general revenues of $15,423,279 were used to support the remainder of the City's costs. Cost of Services The recognition of its proportionate share of the state retirement systems' pension and OPEB assets and liabilities, and the annual changes, continue to have a significant impact on the City's financial results, despite being outside the control of City management. That is the case this year, as OPEB expenses increased $1.8 million in the governmental activities, resulted in recognizing $333,000 in negative OPEB expenses compared to $2.1 million in negative OPEB expenses in 2021. The impact of these changes is allocated across all of the City's operations. The increase in security of persons and property was primarily due to a significant increase in OPEB expenses, as discussed above. Additionally in 2022, full-time employees received a 3% cost-of-living adjustment(COLA) increase, except the nine full-time firefighter/paramedics, who received a 4% COLA along with a retroactive 3% COLA for 2021. Additionally, Law Enforcement added a full-time Social Service Liaison in 2022, along with being fully staffed in all its other positions for the entire year. The decrease in transportation expenses is due to costs incurred on the High Street pedestrian safety project during 2021. As discussed above, the City was just a sponsor for a grant for improvements on Miami University's campus to accommodate fewer crosswalks and bus pickups and install permanent decorative road dividers to increase traffic safety.These improvements will be maintained by Miami University. The increase in other expenses is primarily related to the previously discussed increase in OPEB costs. Governmental Activities 2022 Cost of Services Security of persons and � property Transportation � General government � Leisure time activities � Community and economic � development Interest on long-term debt Public health services � Millions $- $1.5 $3.0 $4.5 $6.0 $7.5 $9.0 ■ Program Revenues Cost of Services Program revenues Program revenues saw a decrease of 24.77% in 2022. Most of this decrease occurred in transportation due to completion of the High Street pedestrian safety project,with the capital funding received in during 2021. ManagemenYs Discussion and Analysis 11 2) Business-type activities Overall, the City's utility operations generated slightly more program revenues when compared to 2021, with just the Sewer Fund generating an increase in net position. Revenues and expenses for the individual funds that comprise of the business-type activities are discussed in greater detail in the following section. The following chart summarizes the business-type activities cost of services and the program revenue generated by each utility: Business-Type Activities 2022 Cost of Services Stormwater Refuse Sewer Water Millions $- $0.5 $1.0 $1.5 $2.0 $2.5 $3.0 ■ Program Revenues Cost of Services IV.THE CITY'S INDIVIDUAL FUNDS A.Governmental funds The financial statements for the City's governmental funds, accounted for under the modified accrual basis of accounting, are presented beginning on page 20. The City has twenty-seven governmental funds, five of which are considered major funds: the General Fund, the Fire and EMS Fund, the Parking Fund, the Oxford Area Trails Property Tax Fund and the Coronavirus Local Fiscal Recovery Fund. Assets of these five funds at December 31, 2022 comprise$18,121,564 (61.07%)of the total $29,675,353 governmental funds' assets. The following provides an analysis of these major funds' revenue and expenditures. 2022 Major Governmental Funds Coronavirus Local Fiscal Recovery ' Oxford Area Trails Property Tax � Parking ` Fire&EMS General Millions $- $2.0 $4.0 $6.0 $8.0 $10.0 $12.0 $14.0 ■Expenditures and Other Financing Uses ■Revenues and Other Financing Sources ManagemenYs Discussion and Analysis 12 General Fund. The fund balance at the end of 2022 was $8,613,827, including $8,458,258 of unassigned fund balance. The unassigned fund balance represents 78.85% of annual general fund expenditures. Revenues increased from $12,995,926 in 2021 to $13,478,943 in 2022, an increase of 3.72%. Several revenue streams were positively impacted economically with the continued rebounding of the local economy, with the unemployment rate in Butler County decreasing from 4.5% in 2021 to 3.5% in 2022. Expenditures increased by 1.39% from 2021 to 2022 from $10,579,948 to $10,726,627, respectively. All personnel received a 3% COLA. Additionally for security of persons and property, Law Enforcement added a full-time Social Service Liaison in 2022, was fully staffed in all its other positions for the entire year; started body camera storage, and implemented Lexipol, their new Policy management system. The City closely monitors all spending and continually looks for cost savings in all areas of spending. Fire and EMS Fund. The fund balance at the end of 2022 was $1,843,897, including $1,834,184 of restricted fund balance. The decrease in fund balance of $834,034 was higher than the prior year's decrease of$104,874, due to nine full-time firefighter/paramedics receiving a 4% COLA, along with a retroactive 3% COLA for 2021, and purchase of a fire engine during 2022. Parking Fund. Liabilities reflect a no-interest interfund loan, originally $2,700,312 in 2001, from the capital improvement fund. The funds were used in 2001 to construct a four-story parking garage with 224 spaces in uptown Oxford. The loan balance at year-end in 2022 was $660,000. Annual repayment was postponed for one year, due to uncertainty around parking revenue levels, as they were negatively impacted by the pandemic in 2020. Future revenues from parking meter fees and fines and leased garage spaces will be the source for repayment of the interfund loan to the capital improvement fund, anticipated to be over a 20-25-year period from the initial loan. The Parking Fund shows a fund deficit because the advance repayment obligation maintained in this fund. The increase in fund balance of $313,092 was higher than the prior year's decrease of $94,496, due to increased parking meter and fines revenue and the two-year postponement on the interfund loan repayment. Repayment on the interfund loan is planned to resume in 2023. Oxford Area Trail (OAT) Property Tax Fund. This fund was established to account for the 10-year, 3.25-mill property tax levy that was approved on May 8, 2018 for park and recreation purposes. Taxes collected in the OAT Property Tax Fund are transferred to the OAT Capital Improvement Fund for trail improvements. The 2022 capital activity was related to continuing design, engineering and Phase II construction of the trail. Coronavirus Local Fiscal Recovery Fund. This fund was established to account for the federal funding received from the ARPA. The City received its first tranche advance of$1.2 million in 2021 and the second $1.2 million tranche advance in 2022. Unearned revenue from these advances increased to $1.9 million, as the City determines the best way to deploy the funds. B. Proprietary funds 1) Enterprise funds The following chart provides financial highlights regarding the City's three major enterprise funds for its water, sewer and refuse utility operations. The information differs slightly from the government-wide proprietary fund information shown in section III. B. 2 in that the information below does not include the consolidation of internal service fund activity. For greater detail, please refer to the financial statements for the City's proprietary funds, which are presented beginning on page 29. ManagemenYs Discussion and Analysis 13 2022 Major Enterprise Funds Refuse Fund SewerFund Water Fund Millions $- $0.5 $1.0 $1.5 $2.0 $2.5 $3.0 ■Total expenses ■Total revenue Water Fund. Ending net position decreased by $111,298. Operating revenue increased by 4.49°/o due to increased sales as a result of Miami University students returning to campus and increased usage from local businesses due to operations returning to pre-pandemic levels. Total gallons of treated water increased from 701.00 (million gallons) in 2021 to 729.00 (million gallons) in 2022. Operating expenses increased by 77.88%, primarily due to an increase in OPEB expenses, previously discussed. Additionally, the City incurred expenses for replacement meters and emergency repairs at the water treatment plan.All full-time employees received a 3.0% COLA increase in 2022. Sewer Fund. Ending net position increased by $1,487. Operating revenue increased by 1.46%. Sewer operations were also impacted by students returning to Miami University campus and increased local business usage, with total gallons of treated wastewater increasing from 842.0 (million gallons) in 2021 to 861.0 (million gallons) in 2022. Operating expenses increased by 24.08% primarily due to an increase in OPEB expenses, previously discussed. All full-time employees received a 3.0%COLA increase in 2022. Refuse Fund. The City contracts with a private vendor for refuse service provided to its customers. The current contract covered 2020 and 2021, with three one-year options (2022, 2023 and 2024). Refuse rates for customers and commercial accounts saw no increase in 2022.All full-time employees received a 3.0% COLA increase in 2022. The Fund also serves to fund annual operating and debt service costs for the landfill post-closure requirements. The City has met all post-closure requirements with no findings from Ohio EPA. 2) Internal service funds Net position at year-end and activity for the year for the City's two internal service funds is reported in a combined column in the proprietary fund statements beginning on page 29. The major impact to these funds pertains to the increase in health care costs compared to 2021. V. BUDGETED ACTIVITY AND ACTUAL RESULTS The statements comparing the City's original and final budgets and actual results are for the General, Fire and EMS, Parking, Oxford Area Trail Property Tax and Coronavirus Local Fiscal Recovery funds beginning on page 24. Other governmental funds with adopted budgets are presented in schedules beginning on page 107. During the year, the City made minor increases to its original General Fund budget. Actual versus final budget differences consisted of the following factors within the General Fund: • Actual revenue versus budgeted revenue were within the General Fund came in within 2%, primarily due to higher reimbursement from Talawanda Schools for the safety resource officer. • Actual expenditures came in $979,000 less than appropriated. For the most part, expenditures across the board were lower than budgeted due to conservative budgeting. Security of persons and property expenditures were lower due to reduced overtime, part-time officers, projected retirements, associated fringe benefits and vehicle repairs. Leisure time expenditures were lower due to reduced part-time labor in recreation programs and park maintenance along with associated fringe benefits and electric expenses. ManagemenYs Discussion and Analysis 14 General government expenditures were lower due to an Engineering-Tech moving to Community Development position in August and the Engineering-Tech remaining unfilled the rest of the year; a Part- Time Custodian position unfilled the majority of the year and Income Tax reimbursements coming in lower than the budgeted estimate. VI. CAPITAL ASSET AND DEBT ADMINISTRATION A. Capital assets At the end of 2022, the City had invested in a broad range of capital assets, including police and fire equipment, buildings, computer software and hardware upgrades, road improvements, and water and sewer lines and related plant facilities. 2022 Governmental Activities Capital Assets Infrastructure Equipment � Improvements � Buildings Construction in � progress Land and - easements Millions �- $10.0 $20.0 $30.0 $40.0 $50.0 $60.0 ■Cost Accumulated Depreciation The City's 2022 capital improvement program for governmental activities included a new bucket truck, a new fire pumper truck, road and culvert maintenance, reconstruction of Main Street, and continued work on the Oxford Area Trail.The City also received donated property from the Oxford Cemetery Association. 2022 Business-Type Activities Capital Assets Infrastructure Equipment Improvements � Buildings � Construction in � progress Land � Millions $- $10.0 $20.0 $30.0 $40.0 ■Cost Accumulated Depreciation The 2022 capital improvements for the business-type activities included improvements to the elevated water storage tanks, water main replacement at Bonham Road bridge, and sewer system improvements. The City used existing funds to pay for all projects rather than issuing debt. Refer to Note 9 for additional information on capital assets. ManagemenYs Discussion and Analysis 15 B. Debt Debt activity for 2022 consisted of scheduled principal and interest payments on existing debt. Total long-term bonds outstanding at year-end were$5,830,000, with $400,000 due in 2023. The bonds were issued during 2019 to finance construction of the Aquatic Center and Southpointe roadway improvements. Refer to Note 14 for additional debt information VII. ECONOMIC FACTORS AND NEXT YEAR'S BUDGETS AND RATES Governmental Funds Sound financial budgeting and conservative cost management continued in 2022 to maintain the governmental fund balances. The City has begun to experience growth in its property tax base because of recent economic development and community development activities. Recent housing projects and construction of new retail space have added to the assessed valuation of the community. Additionally, 2020 was a revaluation year by the Butler County Auditor's Office which also increased the City's property tax revenue. Redevelopment continues in the Uptown District, which will have a positive impact on property tax receipts. The Caroline Harrison Building on the southeast corner of High Street and Campus Avenue, containing eleven apartments located on the 2nd and 3rd floors, opened in the fall of 2022. The first floor will contain commercial tenant spaces, which are continuing to be built out. A new four-story mixed-use building with 3,000 sq. ft. of ground floor retail and six apartment units on the top three floors began construction in late 2022 at 48-52 East Park Place, adjacent to the City's Uptown Park. In the South Farm project, the developer proposes to subdivide this roughly 7-acre site into twenty-five single-family residential lots. The lots will be situated on a new public street (Hoover Drive), connected to an extended segment of Roberts Drive. In the Heron Pond project, the developer proposes to construct nine single-family residences. Owl's Landing, a new development is going through the approval process, is a 22-acre development with eighty-six single family lots off Brookville Road. Besides Miami University, the City is home to McCullough-Hyde Hospital, a key employer for the City. In January 2015, the Hospital affiliated with TriHealth health care system. TriHealth was then a 40% partner with McCullough- Hyde Hospital. Since that time, TriHealth has expanded clinical specialty services, expanded and upgraded the Emergency Department, constructed three new state-of-the-art surgical suites and installed and upgraded new computer systems. In October 2019, TriHealth acquired 100 percent membership interest in McCullough-Hyde Hospital. They also committed $7 million in additional capital improvements and made a $4 million cash infusion in the McCullough-Hyde Hospital Foundation, enabling the Foundation to continue its mission and support of the Hospital. The Foundation recently hired a full-time Director to oversee its operations. The City works diligently with the Hospital to assist them in any way it can with planning and financing, by way of tax-exempt conduit debt issues to encourage partnerships among entities serving the same tax base to ensure a quality of life for the community. Enterprise Funds Miami University resumed suspended construction projects on its campus in mid-summer of 2021. Connections of new buildings will have an initial impact, while use of City utilities will be modified due to the new facilities. The City is also cognizant of the University's aggressive water conservation program, so it will not realize the full impact of the new facilities until they are put into operation and monitored for an extensive period of time. The upside with these improved systems is our plants' capacity will be able to keep up with new residential construction. Two projects that are in the construction phase include a new Clinical Health Sciences Building, with approximately 170,000 sq. ft. on South Campus Avenue set to open in the fall of 2023, and a new McVey Data Sciences Building, with approximately 80,000 sq. ft. on Talawanda Avenue. These construction projects, along with other planned projects, will help with the City's income tax receipts during the construction period. The City is active in its efforts to reduce storm water infiltration into the City's sanitary sewer system. These efforts have increased the efficiency and effectiveness of the wastewater utility which, in turn, has aided in compliance with EPA regulations as we move into Phase II mandated upgrades. In early 2020, the City entered into an agreement with Dynergy Energy Services for favorable guaranteed fixed rates of generation pricing for energy delivered for a 5-year period. These savings, along with improvements made closer to the water plant and improvements at the plant, are part of the City's long-term goal to reduce our energy consumption and related costs. The agreement with Dynergy Energy Services is projected to save the City approximately 7.5%, or approximately $20,650 per year in operating cost for a five-year term. The new rates went into effect in April 2020. Following Oxford City Council's long-time goals and vision, the energy is now 100% renewable energy. A major capital project started in 2021 to replace all of the City's streetlights with LED lighting was finished in 2022 and will save the City on electric cost for years to come. This project is another example of Oxford City Council's long-time goals and vision reducing the City's carbon footprint. ManagemenYs Discussion and Analysis 16 Employee Benefits (Health Insurance) Fund For a number of years since 2000, the Employee Benefits (health insurance) Internal Service Fund has experienced health care cost increases in excess of amounts billed to the interfund departments, funding them with carryover balances in the Employee Benefits Fund. A study was completed during 2002 using an outside consultant to determine appropriate changes to the funding levels and benefits of the plan. These changes were implemented effective in January 2003, resulting in restricting cost growth for that year. The City has increased its funding to the Employee Benefits Fund from the operating funds in 2003 from $500 per employee per month to$600 and continues to incrementally increase per employee per month amount annually. In 2006 the amount was$750 per employee per month; for 2007 it was $800 per employee per month; for 2008 it was $850 per employee per month and was budgeted at $850 in 2009. Up until 2009, revenues of the affected funds have been sufficient to absorb these increases in cost. The funds affected are the General Fund, the Parking Fund, the Street Fund, the Water Fund, the Sewer Fund, and Refuse Fund. The City enacted legislation in mid-year 2009 to help offset large, unexpected claims and also increased the amount it funds to $950 per employee per month. The City's stop loss level was increased from $25,000 to $35,000 in 2003 and maintained at that level from 2004 on. In 2010, the City increased its stop loss level to $45,000, $55,000 in 2011, $65,000 in 2016 and currently $75,000. Insurance premiums from various health insurance stop loss carriers have been solicited annually to obtain the most cost-effective choice. Each year the program is tweaked by our Health Insurance Committee to insure adequate coverage while striving to drive down cost. At 2022 year-end, this fund had a net position of$187,881 compared to$293,958 in 2021. This is primarily due to refunds received in 2023 related to 2022 expenses. In 2017, the City did a one-time contribution of $320,000 based on the monthly contribution for each department across all funds. This was done to solidify the fund for future medical expenses. In 2012 the City increased its budgeted contribution to $1,011 per employee per month and the employee's monthly contribution was approximately doubled. In 2016 the City increased its budgeted contribution to $1,189 per employee per month and the employee's monthly contribution increase was approximately 15.8%. In the fall of 2016, the City increased its contribution to $1,275 per employee per month and the employee's monthly contribution increase was approximately 46.9%. Beginning in 2013, the City began implementing the policy that if an employee's spouse is eligible through their employer to participate in a group insurance program and the spouse would pay 55% or less of the premium for the insurance, then the spouse will be required to enroll in that program as a single. This plan ensures that the spouse is insured as well as any of the employee's children would remain under the City's insurance program. The City continues to be vigilant in monitoring and controlling health care costs for the future. VII. REQUESTS FOR ADDITIONAL INFORMATION This financial report is designed to provide our citizens, taxpayers, customers, and investors and creditors with a general overview of the City's finances and to show the City's accountability for the money it receives. If you have questions about this report or need additional financial information, contact the Finance Department at the City of Oxford, 15 South College Avenue, Oxford, OH,45056. ManagemenYs Discussion and Analysis 17 CITY OF OXFORD,OHIO Statement of Net Position December 31,2022 Governmental Business-Type Activities Activities Total Assets Equity in pooled cash and investments $ 22,146,868 $ 17,300,884 $ 39,447,752 Receivables: Taxes 4,709,994 - 4,709,994 Accounts 304,876 546,868 851,744 Special assessments 684,703 - 684,703 Loans 201,588 - 201,588 Interest 33,532 26,095 59,627 Other - 9,321 9,321 Intergovernmental 694,436 - 694,436 Payments in lieu of taxes 332,322 - 332,322 Prepaid items 90,916 5,558 96,474 Materials and supplies inventory 318,797 544,581 863,378 Internal balances (86,584) 86,584 - Net OPEB assets 693,990 455,001 1,148,991 Non-depreciable capital assets 16,180,132 615,085 16,795,217 Depreciable capital assets, net 47,479,264 25,109,788 72,589,052 Total assets 93,784,834 44,699,765 138,484,599 Deferred Oufflows of Resources Pension 4,256,415 587,618 4,844,033 OPEB 1,285,042 7,657 1,292,699 Total deferred outflows of resources 5,541,457 595,275 6,136,732 Liabilities Accounts payable 222,031 205,889 427,920 Accrued salaries 324,052 76,712 400,764 Intergovernmental payable 311,711 71,535 383,246 Unearnedrevenue 1,982,914 - 1,982,914 Accrued interest payable 17,860 - 17,860 Claims payable 242,696 - 242,696 Long-term liabilities: Due within one year 979,235 165,722 1,144,957 Due in more than one year: Net pension liability 10,245,128 1,291,912 11,537,040 Net OPEB liability 1,451,753 - 1,451,753 Other amounts due in more than one year 6,242,606 943,325 7,185,931 Totalliabilities 22,019,986 2,755,095 24,775,081 Deferred Inflows of Resources Property taxes and payments in lieu of taxes budgeted for next year 2,673,481 - 2,673,481 Pension 5,379,898 1,567,265 6,947,163 OPEB 1,270,890 478,772 1,749,662 Total deferred inflows of resources 9,324,269 2,046,037 11,370,306 Net Position Net investment in capital assets 57,377,276 25,724,873 83,102,149 Restricted for: Public safety 2,249,108 - 2,249,108 Streets&highways 1,122,915 - 1,122,915 Community development 1,742,689 - 1,742,689 Capital improvements 2,913,922 - 2,913,922 Parks&recreation 177,145 - 177,145 Capacity benefits - 2,836,790 2,836,790 Other purposes 2,107 - 2,107 U n restricted 2,396,874 11,932,245 14,329,119 Total net position $ 67,982,036 $ 40,493,908 $ 108,475,944 See accompanying notes to the basic financial statements. 18 I� M N c0 M O CO � � � oJ O CO � CO � M o0 I� M V CO I� f� V N o0 N � I� I� O 6) O) O � c`') � M I� � I� O CO M � M � � � oJ M c+') � O O M M I� M V CO � M � 00 I� � I� N O I� M ln � M M 6) M I� N c') V I� 6� lC7 ln O O W (O I� oJ M N � � � V � I� N � O V O� V N CO N � O M c0 � O V � N �fJ f� p W CO N M M O N � (O I� V I� M N v M � � 6� � � I� � � N N v N � � N � � N � CO �' `-' �-'`-' � O O C N '� � � � 3 �� � O a � � o- rno �� v v � � � � � ao � v rnrn o � z � N � c� v co rn rn v_rn � v_r� rn � � c � : a r� ai rn � v coo ri N ' � > � � N o� W O M 1� ln Ln � M N M W V � � C U v O O W (6 m Q V � L � U Z a � I� M N (O c+') O CO CO � c`') 00 I� N CO 6� W a0 c0 16 � N o0 � � I� I� O O) � I� � I� O CO ln � I� CO V M � N � M M � O O M ch M 6) a0 1� � I� I� � N CO � O � � M M � M I� N M M � O O � (O N M � N N C '� � � O) I� N O� O � � � O M CO � � N I� O CO � (O N M c`') O N � LC> I� V I� M N M M � oJ � � j Q � .... �� N r � � N � ln N (O (O O (7 EA Ef3 N O O ' � I� ' N � N ' c+� _C C CO V N h ' O M I� O CO f� lf� � � LS� Lf� O � c4 I� O ' _ _ O � � I� fl-" � N � � M V � � N CO U @ � � �U v3 u� � � m � o � N V ' N M N � I� � � � I� d � �� O O �Ci I� � � � V > C � . .� � � � � � C�O h � � O O � � � � � M N V Q � O_ N � � � O �� EA EJ) � O � d (J V O M � CO 00 � � M N CO � Vl � O � (h I� h (�J � � � � tn N � M a0 6) (O V h M 6) O V N V � N I� V I� c0 W M O c0 � W 0 (p N . 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The assets and liabilities of the 660,000 669,004 internal service funds are included in governmental activities $ 11,553,789 $ 29,675,353 in the statement of net position. 182,403 Long-term liabilities, including bonds payable,are not due and payable in $ 46,003 $ 222,031 the current period and therefore are not reported in the funds: 21,705 324,052 General obligation bonds (6,282,120) 17,303 311,711 Compensated absences (933,770) - 1,982,914 9,004 669,004 Accrued interest on long-term debt is not reported in the funds. (17,860) 5,951 5,951 99,966 3,515,663 The net pension and OPEB liabilities are not due and payable in the current period;the net OPEB asset is not available for current-period expenditures, therefore,the assets, liabilities and related deferred inflows/outflows are not reported in the governmental funds: 332,322 2,673,481 Deferred outflows-pensions 4,256,415 1,198,932 3,053,059 Deferred inflows-pensions (5,379,898) 1,531,254 5,726,540 Net pension liability (10,245,128) Deferred outflows-OPEB 1,285,042 Deferred inflows-OPEB (1,270,890) 214,534 388,906 Net OPEB asset 693,990 4,578,603 6,589,932 Net OPEB liability (1,451,753) 5,140,887 5,140,887 (11,455) 8,313,425 Net position of governmental activities $ 67,982,036 9,922,569 20,433,150 $ 11,553,789 $ 29,675,353 21 CITY OF OXFORD, OHIO Statement of Revenues, Expenditures and Changes in Fund Balances Governmental Funds Year Ended December 31,2022 Oxford Coronavirus Fire and Area Trails Local Fiscal General EMS Parking Property Tax Recovery Revenues Property and othertaxes $ 1,619,665 $ - $ - $ 1,103,914 $ - Income taxes 9,579,534 1,374,847 - - - Intergovernmental 733,169 323,985 - 8,879 337,662 Charges for services 1,091,434 734,025 763,964 - - Fines,costs and forfeitures 209,890 50,000 206,907 - - Licenses, permits and inspections 420,652 6,525 - - - Special assessments - - - - - Payments in lieu of taxes - - - - Interest (377,838) 15,205 (11,917) 2,471 (34,191) Contributions 10,957 6,023 - - - Other 191,480 26,916 2,046 - - Total revenues 13,478,943 2,537,526 961,000 1,115,264 303,471 Expendifures Current: Security of persons and property 5,842,012 2,738,580 - - - Public health services 179,857 - - - - Leisure time activities 1,738,266 - - - - Community and economic development 989,237 - - - - Transportation - - 637,908 - - General government 1,977,255 - - 11,145 337,662 Capital outlay - 652,980 - - - Debt service: Principal retirement - - - - - Interest and fiscal charges - - - - - Total expenditures 10,726,627 3,391,560 637,908 11,145 337,662 Excess(deficiency)of revenues over(under)expenditures 2,752,316 (854,034) 323,092 1,104,119 (34,191) Other financing sources(uses) Transfers in - 20,000 - - - Transfers out (2,993,477) - (10,000) (1,035,000) - Total otherfinancing sources(uses) (2,993,477) 20,000 (10,000) (1,035,000) - Net change in fund balances (241,161) (834,034) 313,092 69,119 (34,191) Fund balance, beginning of year 8,854,988 2,677,931 (403,189) 108,026 - Fund balance,end of year $ 8,613,827 $ 1,843,897 $ (90,097) $ 177,145 $ (34,191) See accompanying notes to the basic financial statements. 22 CITY OF OXFORD,OHIO Reconciliation of the Statement of Revenues, Expenditures and Changes in Fund Balances of Governmental Funds to the Statement of Activities Year Ended December 31,2022 Nonmajor Total Governmental Governmental Funds Funds Net change in fund balances-total governmental funds $ 940,904 $ 6,474 $ 2,730,053 Amounts reported for governmental activities in the - 10,954,381 statement of activities are different because: 1,458,018 2,861,713 24,151 2,613,574 Governmental funds report capital asset additions as expenditures. However, in 3,450 470,247 the statement of activities,the cost of those assets is allocated over their - 427,177 estimated useful lives as depreciation expense: 111,829 111,829 Capitalassetadditions 2,969,545 361,508 361,508 Depreciation expense (2,600,906) 664 (405,606) Loss on disposal of capital assets (33,426) 18,547 35,527 68,009 288,451 Revenue in the statement of activities that do not provide current financial 2,052,650 20,448,854 resources are not reported as revenues in the funds: Income taxes 202,485 Intergovernmental and other revenue 142,474 221,760 8,802,352 Some expenses reported in the statement of activities do not require the use of - 179,857 current financial resources and therefore are not reported as expenditures in - 1,738,266 governmental funds: 223,778 1,213,015 Compensated absences (110,593) 973,801 1,611,709 Interest on long-term debt 963 380,828 2,706,890 Amortization of bond premiums 22,606 1,992,006 2,644,986 The repayment of the principal of long-term debt consumes the current financial 385,000 385,000 resources of governmental funds but has no effect on net position. 385,000 225,875 225,875 4,403,048 19,507,950 Internal service funds are used to charge the costs of certain activities to individual funds.The net revenue(expense)of the internal service funds is reported with governmental activities. (75,578) (2,350,398) 940,904 Contractually required contributions are reported as expenditures in governmental funds; however,the statement of net position reports these 4,324,102 4,344,102 amounts as deferred outflows. (305,625) (4,344,102) Pensions 1,270,616 4,018,477 - OPEB 23,807 1,668,079 940,904 Except for amounts reported as deferred inflows/outflows,changes in the net pension and OPEB liabilities/assets are reported as pension and OPEB 8,254,490 19,492,246 expense in the statement of activities. Pensions (590,947) $ 9,922,569 $ 20,433,150 OPEB 332,938 Change in net position of governmental activities $ 2,879,888 23 CITY OF OXFORD, OHIO Statement of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget (Non-GAAP) Basis General Fund Year Ended December 31, 2022 Variance Original Final From Final Budget Budget Actual Budget Revenues: Property and other taxes $ 1,516,159 $ 1,630,535 $ 1,615,957 $ (14,578) Income taxes 8,673,150 9,514,065 9,539,156 25,091 Intergovernmental 629,869 629,869 729,204 99,335 Charges for services 816,630 848,082 1,021,522 173,440 Fines, costs and forfeitures 174,400 174,400 209,438 35,038 Licenses, permits and inspections 495,000 495,000 420,652 (74,348) Interest 60,273 60,273 102,047 41,774 Contributions 10,000 10,000 10,957 957 Other 165,500 203,000 192,776 (10,224) Total revenues 12,540,981 13,565,224 13,841,709 276,485 Expenditures: Current: Security of persons and property 6,096,457 6,096,457 5,816,211 280,246 Public heath services 166,774 191,247 179,847 11,400 Leisure time activities 1,868,963 1,896,192 1,728,640 167,552 Community and economic development 1,093,260 1,136,162 974,928 161,234 General government 2,277,617 2,495,903 2,137,475 358,428 Total expenditures 11,503,071 11,815,961 10,837,101 978,860 Excess of revenues over expenditures 1,037,910 1,749,263 3,004,608 1,255,345 Other financing sources (uses): Advances in 3,527,837 3,927,837 3,927,837 - Advances out (3,527,837) (3,927,837) (3,927,837) - Transfers in 156,904 171,282 171,282 - Transfers out (1,393,477) (2,993,477) (2,993,477) - Total otherfinancing sources (uses) (1,236,573) (2,822,195) (2,822,195) - Net change in fund balance (198,663) (1,072,932) 182,413 $ 1,255,345 Fund balance, beginning of year 8,155,977 8,155,977 8,155,977 Prior year encumbrances appropriated 198,663 198,663 198,663 Fund balance, end ofyear $ 8,155,977 $ 7,281,708 $ 8,537,053 See accompanying notes to the basic financial statements. 24 CITY OF OXFORD, OHIO Statement of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget (Non-GAAP) Basis Fire and EMS Fund Year Ended December 31, 2022 Variance Original Final From Final Budget Budget Actual Budget Revenues: Income taxes $ 1,236,978 $ 1,366,331 $ 1,369,916 $ 3,585 Intergovernmental 77,000 77,000 315,278 238,278 Charges for services 775,000 775,000 734,171 (40,829) Fines, costs, and forfeitures 25,000 25,000 50,000 25,000 Licenses, permits and inspections 3,000 3,000 6,525 3,525 Interest 14,135 14,135 15,205 1,070 Contributions - - 6,023 6,023 Other 35,000 35,000 27,341 (7,659) Total revenues 2,166,113 2,295,466 2,524,459 228,993 Expenditures: Current: Security of persons and property 2,489,933 2,829,821 2,779,736 50,085 Capital outlay 970,480 970,480 852,980 117,500 Total expenditures 3,460,413 3,800,301 3,632,716 167,585 Excess of expenditures over revenues (1,294,300) (1,504,835) (1,108,257) 396,578 Other financing sources: Transfers in 20,000 20,000 20,000 - Net change in fund balance (1,274,300) (1,484,835) (1,088,257) $ 396,578 Fund balance, beginning ofyear 1,754,295 1,754,295 1,754,295 Prior year encumbrances appropriated 898,771 898,771 898,771 Fund balance, end of year $ 1,378,766 $ 1,168,231 $ 1,564,809 See accompanying notes to the basic financial statements. 25 CITY OF OXFORD, OHIO Statement of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget (Non-GAAP) Basis Parking Fund Year Ended December 31, 2022 Variance Original Final From Final Budget Budget Actual Budget Revenues: Charges for services $ 547,600 $ 547,600 $ 759,464 $ 211,864 Fines, costs, and forfeitures 120,000 120,000 206,907 86,907 Interest 2,441 2,441 4,713 2,272 Other 4,200 4,200 2,046 (2,154) Total revenues 674,241 674,241 973,130 298,889 Expenditures: Current: Transportation 651,231 651,231 573,865 77,366 Excess of revenues over expenditures 23,010 23,010 399,265 376,255 Other financing uses: Transfers out (75,485) (75,485) (75,485) - Net change in fund balance (52,475) (52,475) 323,780 $ 376,255 Fund balance, beginning of year 325,567 325,567 325,567 Prior year encumbrances appropriated 5,338 5,338 5,338 Fund balance, end of year $ 278,430 $ 278,430 $ 654,685 See accompanying notes to the basic financial statements. 26 CITY OF OXFORD, OHIO Statement of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget (Non-GAAP) Basis Oxford Area Trails Property Tax Fund Year Ended December 31, 2022 Variance Original Final From Final Budget Budget Actual Budget Revenues: Property taxes $ 1,045,000 $ 1,045,000 $ 1,103,914 $ 58,914 Intergovernmental - - 8,879 8,879 Interest 709 709 2,471 1,762 Total revenues 1,045,709 1,045,709 1,115,264 69,555 Expenditures: Current: General government 15,000 15,000 11,145 3,855 Excess of revenues over expenditures 1,030,709 1,030,709 1,104,119 73,410 Other financing uses: Transfers out (1,035,000) (1,035,000) (1,035,000) - Net change in fund balance (4,291) (4,291) 69,119 $ 73,410 Fund balance, beginning of year 108,026 108,026 108,026 Fund balance, end of year $ 103,735 $ 103,735 $ 177,145 See accompanying notes to the basic financial statements. 27 CITY OF OXFORD, OHIO Statement of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget (Non-GAAP) Basis Coronavirus Local Fiscal Recovery Fund Year Ended December 31, 2022 Variance Original Final From Final Budget Budget Actual Budget Revenues: Intergovernmental $ 1,210,399 $ 1,220,063 $ 1,220,063 $ - Interest - - 14,920 14,920 Total revenues 1,210,399 1,220,063 1,234,983 14,920 Expenditures: Current: Other 2,250,700 2,260,364 2,260,364 - Net change in fund balance (1,040,301) (1,040,301) (1,025,381) $ 14,920 Fund balance, beginning of year 424 424 424 Prior year encumbrances appropriated 1,040,301 1,040,301 1,040,301 Fund balance, end of year $ 424 $ 424 $ 15,344 See accompanying notes to the basic financial statements. 28 CITY OF OXFORD,OHIO Statement of Net Position Proprietary Funds December 31,2022 Business-type Activities-Enterprise Funds Governmental Activities- Non-major Internal Service Water Sewer Refuse Stormwater Totals Funds Assets Current assets: Equity in pooled cash and investments $ 8,827,234 $ 6,101,765 $ 2,334,904 $ 36,981 $17,300,884 $ 313,375 Receivables: Accounts 207,688 225,450 113,730 - 546,868 177,113 Interest 13,343 9,223 3,529 - 26,095 388 Other 9,321 - - - 9,321 - Prepaid items 2,595 2,963 - - 5,558 - Materials and supplies inventory 478,983 65,598 - - 544,581 20,807 Total current assets 9,539,164 6,404,999 2,452,163 36,981 18,433,307 511,683 Noncurrent assets: Net OPEB assets 190,733 229,798 34,470 - 455,001 - Non-depreciable capital assets 556,267 41,818 17,000 - 615,085 - Depreciable capital assets,net 11,451,410 13,465,081 193,297 - 25,109,788 - Total noncurrent assets 12,198,410 13,736,697 244,767 - 26,179,874 - Total assets 21,737,574 20,141,696 2,696,930 36,981 44,613,181 511,683 Deferred Outflows of Resources Pension 243,697 301,084 42,837 - 587,618 - OPEB 3,195 3,899 563 - 7,657 - Total deferred outflows of resources 246,892 304,983 43,400 - 595,275 - Liabilities Current liabilities: Accounts payable 38,357 46,842 120,690 - 205,889 - Accrued salaries 31,865 37,389 7,458 - 76,712 - Intergovernmental payable 29,179 37,415 4,941 - 71,535 - Claims payable - - - - - 242,696 Compensated absences payable 71,196 86,972 7,554 - 165,722 - Total current liabilities 17Q597 208,618 140,643 - 519,858 242,696 Long-term liabilities: Landfill post-closure care payable - - 701,456 - 701,456 - Compensated absences payable,net of current portion 108,889 110,867 22,113 - 241,869 - Net pension liability 541,559 652,481 97,872 - 1,291,912 - Total long-term liabilities 650,448 763,348 821,441 - 2,235,237 - Totalliabilities 821,045 971,966 962,084 - 2,755,095 242,696 Deferred Inflows of Resources Pension 656,985 791,548 118,732 - 1,567,265 - OPEB 20Q697 241,804 36,271 - 478,772 - Total deferred inflows of resources 857,682 1,033,352 155,003 - 2,046,037 - Net Position Investment in capital assets 12,007,677 13,506,899 21Q297 - 25,724,873 - Restricted for capacity benefits 1,470,381 1,366,409 - - 2,836,790 - Unrestricted 6,827,681 3,568,053 1,412,946 36,981 11,845,661 268,987 Total net position $ 20,305,739 $ 18,441,361 $ 1,623,243 $ 36,981 $ 268,987 Adjustment to reflect the consolidation of internal service fund activities related to enterprise funds 86,584 Total net position from above 40,407,324 Net position of business-type activities $40,493,908 See accompanying notes to the basic financial statements. 29 CITY OF OXFORD,OHIO Statement of Revenues,Expenses and Changes in Net Position Proprietary Funds Year Ended December 31,2022 Business-type Activities-Enterprise Funds Governmental Activities- Non-major Internal Service Water Sewer Refuse Stormwater Totals Funds Operating revenues Charges for services $ 2,763,711 $ 2,871,373 $ 1,580,932 $ - $ 7,216,016 $ 2,383,401 Other 33,339 1,410 189 - 34,938 - Total operating revenues 2,797,050 2,872,783 1,581,121 - 7,250,954 2,383,401 Operating expenses Personnel services 1,007,757 1,214,581 174,810 - 2,397,148 - Contractual services 492,271 596,755 1,522,733 29,630 2,641,389 45,382 Supplies and materials 734,953 158,430 9,231 - 902,614 267,261 Other 666 73,108 7,967 - 81,741 - Claims - - - - - 2,173,076 Depreciation 645,609 834,054 11,492 - 1,491,155 - Total operating expenses 2,881,256 2,876,928 1,726,233 29,630 7,514,047 2,485,719 Operating loss (84,206) (4,145) (145,112) (29,630) (263,093) (102,318) Non-operating revenues Interestrevenue (157,631) (108,940) (43,274) 364 (309,481) (2,258) Intergovernmental 9,321 11,222 - - 20,543 - Total non-operating revenues(expenses) (148,310) (97,718) (43,274) 364 (288,938) (2,258) Loss before contributions (232,516) (101,863) (188,386) (29,266) (552,031) (104,606) Capital contributions 121,218 103,350 - - 224,568 - Change in net position (111,298) 1,487 (188,386) (29,266) (327,463) (104,606) Net position,beginning of year 20,417,037 18,439,874 1,511,629 66,247 373,593 Net position,end of year $ 20,305,739 $ 18,441,361 $ 1,623,243 $ 36,981 $ 268,987 Adjustment to reflect the consolidation of internal service fund activities related to enterprise funds (29,�2$) Changes in net position of business-type activities $ (356,491) See accompanying notes to the basic financial statements. 30 CITY OF OXFORD,OHIO Statement of Cash Flows Proprietary Funds Year Ended December 31,2022 Business-type Activities-Enterprise Funds Governmental Activities- Non-major Internal Service Water Sewer Refuse Stormwater Totals Funds Cash flows from operating activities: Cash received from customers $ 2,757,745 $ 2,860,637 $ 1,616,061 $ - $ 7,234,443 $ 28,216 Cash receipts from interfund services provided - - - - - 2,273,556 Cash payments for employee services and benefits (1,406,453) (1,748,355) (255,236) - (3,410,044) - Cash payments to suppliers for goods and services (774,584) (685,348) (1,546,209) (31,700) (3,037,841) (362,055) Cash payments for employee medical claims - - - - - (2,116,752) Cash payments for other operating expenses (3,809) (72,965) (69,384) - (146,158) - Cash received from other operating revenue 33,339 1,410 189 - 34,938 - Net cash flow from operating activities 606,238 355,379 (254,579) (31,700) 675,338 (177,035) Cash flows from noncapital financing activities: Advances from other funds - - - - - 5,000 Return advances to other funds - - - - - (5,000) Net cash from noncapital financing activities - - - - - - Cash flows from capital and related financing activities: Acquisition of capital assets (295,509) (185,902) - - (481,411) - Capital contribution for capacity 121,218 103,350 - - 224,568 - Net cash flows from capital and related financing activities (174,291) (71,330) - - (245,621) - Cash flows from investing activities: Interest (157,818) (109,047) (42,754) 364 (309,255) (1,996) Netchange 274,129 175,002 (297,333) (31,336) 120,462 (179,031) Cash and pooled investments beginning of year 8,553,105 5,926,763 2,632,237 68,317 17,180,422 492,406 Cash and pooled investments end of year $ 8,827,234 $ 6,101,765 $ 2,334,904 $ 36,981 $ 17,300,884 $ 313,375 Reconciliation of operating(loss)to net cash from operating activities: Operating(loss) $ (84,206) $ (4,145) $ (145,112) $ (29,630) $ (263,093) $ (102,318) Adjustments to reconcile operating(loss)to net cash from operating activities: Depreciation 645,609 834,054 11,492 - 1,491,155 - Changes in assets,liabilities and deferrals: Receivables (5,966) (10,736) 35,129 - 18,427 (81,629) Materials and supplies inventory 393,169 559 - - 393,728 5,760 Accounts payable 14,894 25,617 8,483 (2,070) 46,924 (55,172) Claims payable - - - - - 56,324 Accrued salaries and benefits 11,351 10,174 3,813 - 25,338 - Intergovernmental payables 19,877 25,211 3,330 - 48,418 - Compensated absences payable 12,742 (44,878) (1,436) - (33,572) - Landfill post-closure liability - - (117,996) - (117,996) - Deferred outflows-pension/OPEB (70,152) (85,349) (14,096) - (169,597) - Net pension liability (366,683) (439,572) (53,502) - (859,757) - Net OPEB asset (83,237) (100,547) (16,554) - (200,338) - Deferred inflows-pension/OPEB 118,886 145,038 31,870 - 295,794 - Net cash from operating activities $ 606,238 $ 355,379 $ (254,579) $ (31,700) $ 675,338 $ (177,035) See accompanying notes to the basic financial statements. 31 CITY OF OXFORD, OHIO Statement of Fiduciary Net Position Custodial Funds December 31, 2022 Custodial Funds Assets Receivables: Taxes $ 16,252 Liabilities Due to local organizations 16,252 Net Position Restricted for local organizations $ - See accompanying notes to the basic financial statements. 32 CITY OF OXFORD, OHIO Statement of Changes in Fiduciary Net Position Custodial Funds Year Ended December 31, 2022 Custodial Funds Additions Hotel taxes collections for other organizations $ 280,299 Licenses and permit collections for the State 2,138 Total additions 282,437 Deductions Distribution of hotel tax collections to other organizations 280,299 Distribution of license and permit collections to the State 2,138 Total deductions 282,437 Change in fiduciary net position - Net position, beginning of year - Net position, end of year $ - See accompanying notes to the basic financial statements. 33 CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK 34 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 1 -SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The accompanying financial statements of the City of Oxford are prepared in conformity with generally accepted accounting principles (GAAP) for local governmental units. The Governmental Accounting Standards Board (GASB) is the accepted standard-setting body for establishing governmental accounting and financial reporting principles. The significant accounting policies used in the preparation of these financial statements are summarized below. A. Reportinq Entitv The City of Oxford (the "City") is a home rule municipal corporation organized under the laws of the State of Ohio that operates under its own charter. The City was organized as a village in 1830 and the municipal charter was adopted in 1960. The municipal government provided by the charter is known as a council-manager form of government. A seven-member council is elected, and the council selects one of its members to serve as mayor. The council appoints a city manager, an auditor/finance director, and a law director who execute the laws and administer the government of the City. The city manager appoints all other employees of the City. The reporting entity is comprised of the primary government, component units, and other organizations that are included to ensure that the financial statements are fairly presented. The primary government of the City consists of all funds and departments that comprise the legal entity of the City. They provide various services including police and fire protection, parks and recreation, planning, street maintenance and repair, community development, water, sewer and refuse collection. Component units are legally separate organizations for which the City is financially accountable. The City is financially accountable for an organization if the City appoints a voting majority of the organization's governing board and (1) the City is able to significantly influence the programs or services performed or provided by the organization; or (2) the City is legally entitled to or can otherwise access the organization's resources; or(3)the City is legally obligated or has otherwise assumed the responsibility to finance the deficits of, or provide financial support to, the organization; or (4) the City is obligated for the debt of the organization. Component units may also include organizations for which the City approves the budget, the issuance of debt, or the levying of taxes. The City has no component units. However, the City does report very limited financial activity associated with the Oxford Community Improvement Corporation within its financial statements. The City is associated with McCullough-Hyde Hospital, Inc., which is defined as a related organization (Note 18). B. Basis of Presentation Government-wide Financial Statements The statement of net position and the statement of activities display information about the City as a whole. The statements distinguish between those activities that are governmental in nature, which are normally supported by taxes and intergovernmental revenues; and business-type activities, which rely to a significant extent upon fees and charges for support. Interfund and internal service fund activities are generally eliminated to avoid the "doubling-up" effect on revenues and expenses. 35 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 1 -SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES—continued The government-wide statements are prepared using the economic resources measurement focus and the accrual basis of accounting, as are the proprietary and fiduciary fund statements. Revenues are recorded when earned and expenses are recorded when a liability is incurred, regardless of the timing of the related cash flows. The government-wide statement of activities presents a comparison between direct expenses and program revenues for each segment of the business-type activities of the City and for each function of the City's governmental activities. Program revenues include charges paid by the recipient of the goods or services offered by the program and grants and contributions that are restricted to meeting the operational or capital requirements of a particular program. Revenues not classified as program revenues are presented as general revenues. The comparison of expenses with program revenues identifies the extent to which each governmental function or business-type segment is self-financing or relies upon general revenues of the City. Fund Financial Statements Separate financial statements are provided for governmental funds, proprietary funds, and fiduciary funds, even though the latter are excluded from the government-wide financial statements. The focus of fund financial statements is on major funds rather than reporting funds by type. Each major fund is presented in a separate column. All other funds are aggregated and reported as non-major governmental or non-major proprietary funds. The City uses funds to report on its financial position and the results of its operations. Fund accounting is designed to demonstrate legal compliance and to aid financial management by segregating transactions related to certain functions or activities. A fund is defined as a fiscal and accounting entity with a self-balancing set of accounts recording cash and other financial resources, together with all related liabilities, deferred outflows and inflows of resources and residual equities or balances, and changes therein, which are segregated for the purpose of carrying on specific activities or attaining certain objectives in accordance with special regulations, restrictions or limitations. Governmental funds are those through which most governmental functions typically are financed. The following are the City's major governmental funds: Genera/Fund- The General Fund is used to account for all financial resources except those required to be accounted for in another fund. The General Fund balance is available to the City for any purpose provided it is expended or transferred according to the general laws of Ohio and the Charter of the City. Fire and EMS Fund- To account for the City's fire and emergency medical services funded by revenues from income taxes, EMS billings, and contributions. Parking Fund-To account for operation of parking control activities within the City funded by revenues from meter collections, garage fees and fines. Oxford Area Trails Property Tax Fund— To account for property taxes levied for the Oxford Area Trial. Coronavirus Local Fiscal Recovery Fund - To account for monies received from the Federal American Rescue Plan Act (ARPA) program and costs associated with the additional response to the COVID-19 pandemic. 36 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 1 -SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES—continued Proprietary funds are used to account for the City's ongoing activities that are similar to those found in the private sector where the intent of the governing body is that the cost of providing goods and services to the general public be financed or recovered primarily through user charges. The following are the City's major proprietary funds: Water Fund-Accounts for the provision of water service to the City and surrounding areas. Sewer Fund - Accounts for the provision of sanitary sewer service to the City and surrounding areas. Refuse Fund-Accounts for the provision of refuse collection and disposal to the City as well as costs associated with the municipal landfill post-closure monitoring. Additionally, the City reports the following fund types: Internal Service Funds - to account for medical self-insurance and supplies provided to other departments of the City on a cost-reimbursement basis. Custodial Funds-to account for assets held in a fiduciary capacity on behalf of others. C. Basis of Accountinq Governmental funds. The accounting and financial reporting treatment applied to a fund is determined by its measurement focus. All governmental fund types are accounted for using current financial resources measurement focus. With this measurement focus, only current assets, current liabilities and deferred inflows of resources are included on the balance sheet. Operating statements of these funds present increases (i.e., revenues and other financing sources) and decreases (i.e., expenditures and other financing uses) in current financial resources. All governmental fund types are accounted for using the modified accrual basis of accounting. Under this basis, revenues are recognized in the accounting period when they become both measurable and available. "Measurable" means the amount of the transaction can be determined and "available" means collectible within the current period or soon enough thereafter to be used to pay liabilities of the current period. The available period for the City is thirty-one days after year-end. Expenditures are generally recognized in the accounting period in which the related fund liability is incurred, if ineasurable. However, debt service expenditures, as well as expenditures related to compensated absences, are recorded only when payment is due. In applying the susceptible to accrual concept under the modified accrual basis, the following revenue sources are deemed both measurable and available: interest earnings, state-levied locally shared taxes (including gasoline tax), fines and forfeitures, grants, and municipal income tax. Since governmental funds' financial statements use a different measurement focus and basis of accounting than the government-wide statements, governmental funds' financial statements include reconciliations to the government-wide statements. 37 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 1 -SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES—continued Proprietary Funds. All proprietary funds - enterprise funds and internal service funds - are accounted for on a flow of economic resources measurement focus. With this measurement focus, all assets, deferred outflows and inflows of resources, and liabilities associated with the operation of these funds are included on the statement of net position. Proprietary fund operating statements present increases (i.e., revenues) and decreases (i.e., expenses) in total net position. Proprietary funds distinguish operating revenues and expenses from non-operating items. Operating revenues and expenses generally result from providing services and producing and delivering services in connection with a proprietary fund's principal ongoing operations. All revenues and expenses not meeting this definition are reported as non- operating revenues and expenses. The accrual basis of accounting is utilized by the proprietary fund types. Under this method, revenues are recognized when they are earned, and expenses are recognized at the time liabilities are incurred. Fiduciary Funds. The City's only fiduciary funds are custodial funds. Custodial funds are used to account for assets held by the City for taxes and fees collected for the benefit of and distributed to other governments and organizations. Custodial funds are accounted for using the accrual basis of accounting. The City's custodial funds account for hotel taxes for Enjoy Oxford and building permits for the Ohio Department of Commerce Board of Building Standards. D. Pooled Cash and Investments Cash balances of the City's funds are pooled and invested to improve cash management. For purposes of the statement of cash flows, investments with original maturities of three months or less are considered to be cash equivalents. GASB Statement No. 72, Fair Value Measurement and Application addresses accounting and financial reporting issues related to fair value measurements. This Statement provides guidance for determining a fair value measurement for financial reporting purposes for applying fair value to certain investments and disclosures related to all fair value measurements. Interest earned by the City is distributed to the funds according to City Resolution which may be inconsistent with the Ohio Revised Code. Interest earned during 2022 amounted to approximately $285,000, before recognizing unrealized losses. E. Prepaid Items Payments made to vendors for services that will benefit periods beyond December 31, 2022 are recorded as prepaid items using the consumption method by recording a current asset for the prepaid amount and reflecting the expenditure/expense in the year in which services are consumed. F. Supplies Inventory Inventories are presented at cost on first-in, first-out basis and are expended/expensed when used. Inventory consists of expendable supplies. 38 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 1 -SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES—continued G. Capital Assets Capital assets, which include property, infrastructure, plant and equipment, are reported in the applicable governmental or business-type columns in the government-wide financial statements. Capital assets utilized by governmental activities are reported in the governmental activities' column of the government-wide statement of net position but are not reported in the fund financial statements. Capital assets utilized by the proprietary funds are reported both in the business-type activities column of the government-wide statement of net position and in the respective funds. The City defines capital assets as those with an individual cost of more than $5,000 and an estimated useful life in excess of one year. All capital assets are valued at cost where historical records are available and at estimated historical cost where no historical records exist. Donated capital assets are valued at their acquisition value on the date received. Interest on constructed capital assets is capitalized. When capital assets are purchased, they are capitalized and depreciated in the government-wide statements and the proprietary fund statements. Capital assets are recorded as expenditures of the current period in the governmental fund financial statements. Depreciation is calculated using the straight-line method over the estimated useful lives of the assets. The estimated useful lives are as follows: Buildings 20 - 60 years Equipment 5 -20 years Improvements 20 - 60 years Sewer lines/water lines 50 years Infrastructure 50 years H. Interfund Balances During the course of operations, transactions occur between individual funds for goods provided or services rendered. On fund financial statements, receivables and payables resulting from interfund loans are classified as "advances to other funds" and "advances from other funds". These amounts are eliminated on the governmental columns of the statement of net position, except for any net residual amounts due between governmental and business-type activities, which are presented as internal balances. I. Deferred Outflows and Inflows of Resources In addition to assets, the statement of financial position reports a separate section for deferred outflow of resources. Deferred outflows of resources represent a consumption of net assets that applies to a future period(s) and so will not be recognized as an outflow of resources (expense) until then. For the City, deferred outflows of resources are reported on the government-wide statement of net position for pensions and other postemployment benefits (OPEB) that are explained in Notes 10 and 11. In addition to liabilities, the statements of financial position report a separate section for deferred inflows of resources. Deferred inflows of resources represent an acquisition of net assets that applies to a future period(s) and so will not be recognized as an inflow of resources until that time. For the City, deferred inflows of resources include property taxes and payments in lieu of taxes, unavailable revenue, pensions and OPEB. Receivables for property taxes and payments in lieu of taxes represent amounts that are measurable as of December 31, 2022, but are intended to finance 2023 operations. These amounts have been recorded as deferred inflows of resources on both the government-wide statement of net position and the governmental fund financial statements. 39 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 1 -SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES—continued Unavailable revenue is reported only on the governmental fund financial statements and represents receivables that will not be collected within the available period (thirty-one days after year-end). Deferred inflows of resources related to pensions and OPEB are explained in Notes 10 and 11. J. Compensated Absences The City follows the provisions of GASB Statement No. 16, Accounting for Compensated Absences. Vacation and compensatory time benefits are accrued as a liability as the benefits are earned if the employees' rights to receive compensation are attributable to services already rendered and it is probable that the City will compensate the employees for the benefits through paid time off or some other means. Sick leave termination benefits are accrued using the vesting method. The liability includes the employees who are currently eligible to receive termination benefits and those employees for whom it is probable that they will become eligible to receive payment in the future. The amount is based on accumulated sick leave and employees' wage rates at year-end. Vested vacation and sick leave is recorded as an expense in the government-wide statements for the period in which the leave was earned. For governmental funds, a liability is recorded for compensated absences only if they have matured, for example, as a result of employee resignations and retirements. Payment of vacation and sick leave recorded in the government-wide financial statements is dependent upon many factors; therefore, timing of future payments is not readily determinable. Management believes that sufficient resources will be available when payment is due. K. Pensions and OPEB For purposes of ineasuring the net pension and OPEB assets and liabilities, deferred outflows of resources and deferred inflows of resources related to pensions and OPEB, and pension and OPEB expenses, information about the fiduciary net position of the retirement systems and additions to/deductions from their fiduciary net position have been determined on the same basis as they are reported by the retirement systems. For this purpose, benefit payments (including refunds of employee contributions) are recognized when due and payable in accordance with the benefit terms. The retirement systems report investments at fair value. L. Fund Balance Fund balance is divided into five classifications based primarily on the extent to which the City is bound to observe constraints imposed upon the use of the resources in the governmental funds. The classifications are as follows: Nonspendable — The nonspendable fund balance category includes amounts that cannot be spent because they are not in a spendable form, or legally or contractually required to be maintained intact. The "not in a spendable form" criterion includes items that are not expected to be converted to cash. It also includes the long-term amount of loans receivable, as well as property acquired for resale, unless the use of the proceeds from the collection of those receivables or from the sale of those properties is restricted, committed, or assigned. Restricted — Fund balance is reported as restricted when constraints placed on the use of resources are either externally imposed by creditors (such as through debt covenants), grantors, contributors, or laws or regulations of other governments or is imposed by law through constitutional provisions. 40 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 1 -SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES—continued Committed—The committed fund balance classification includes amounts that can be used only for the specific purposes imposed by a formal action (both ordinances and resolutions) of the City Council. Those committed amounts cannot be used for any other purpose unless the City Council removes or changes the specified use by taking the same type of action (ordinance or resolution) it employed to previously commit those amounts. Committed fund balance also incorporates contractual obligations to the extent that existing resources in the fund have been specifically committed for use in satisfying those contractual requirements. The City did not have any committed fund balances at year end. Assigned—Amounts in the assigned fund balance classification are intended to be used by the City for specific purposes but do not meet the criteria to be classified as restricted or committed. In governmental funds other than the general fund, assigned fund balance represents the remaining amount that is not restricted or committed. In the general fund, assigned amounts represent intended uses established by the City Council. The City Council has authorized the Finance Director to assign fund balance for purchases on order provided those amounts have been lawfully appropriated. Unassigned — Unassigned fund balance is the residual classification for the general fund and includes all spendable amounts not contained in the other classifications. In other governmental funds, the unassigned classification is used only to report a deficit balance resulting from overspending for specific purposes for which amounts had been restricted, committed, or assigned. The City applies restricted resources first when expenditures are incurred for purposes for which either restricted or unrestricted (committed, assigned, and unassigned) amounts are available. Similarly, within unrestricted fund balance, committed amounts are reduced first, followed by assigned, and then unassigned amounts when expenditures are incurred for purposes for which amounts in any of the unrestricted fund balance classifications could be used. M. Accountinq Estimates The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results may differ from those estimates. N. Grants and Other Intergovernmental Revenues Grants made on the basis of entitlement periods are recorded as intergovernmental receivables and revenues when entitlement occurs. All other reimbursement-type grants are recorded as receivables and revenues when the related expenditures are incurred. O. Net Position Net position represents the difference between assets and deferred outflows of resources, reduced by liabilities and deferred inflows of resources. Net investment in capital assets consists of capital assets net of accumulated depreciation, reduced by the outstanding balances of any borrowings used for the acquisition, construction, or improvement of those assets. Net position is reported as restricted when there are limitations imposed on its use either through constitutional provisions, enabling legislation or through external restrictions imposed by creditors, grantors, contributors, or laws or regulations of other governments. At December 31, 2022, none of the City's net position was restricted by enabling legislation. 41 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 1 -SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES—continued The net position restricted for other purposes result from special revenue funds and the restriction on their net position use. When both restricted and non-restricted resources are available for use, it is the City's policy to use non-restricted resources first, and then restricted resources, as they are needed. P. Budqetary Process The budgetary process is prescribed by provisions of the Ohio Revised Code and entails the preparation of budgetary documents within an established timetable. The major documents prepared are the tax budget, the certificate of estimated resources, and the appropriation ordinance, all of which are prepared on the budgetary basis of accounting. The certificate of estimated resources and the appropriations ordinance are subject to amendment throughout the year with the legal restriction that appropriations cannot exceed estimated resources, as certified. All funds, other than fiduciary funds, are legally required to be budgeted and appropriated. The legal level of budgetary control (the level at which transfers of budget amounts cannot be made without legislative approval) is established at the department level and within each department, the amount appropriated for each object. Budget transfers over $20,000 made between departments within a function require council approval. Transfers of any amount from one function to another, or increases in budget, require legal approval. For budgetary presentation, all funds have two objects except for the General Fund; one object for personnel services and another object for other services and charges. Tax Budget A tax budget of estimated revenues and expenditures is submitted to the County Auditor, as Secretary of the County Budget Commission, by July 20 of each year, for the period January 1 to December 31 of the following year. Estimated Resources The County Budget Commission determines if the budget substantiates a need to levy all of the previously authorized taxes and reviews estimated revenue. The Commission certifies its actions to the City by September 1. As part of this certification, the City receives the official certificate of estimated resources that states the projected revenue of each fund. Prior to December 31, the City must revise its budget so that total contemplated expenditures from any fund during the ensuing year will not exceed the amount available as stated in the certificate of estimated resources. The revised budget then serves as the basis for the appropriation ordinance. On or before January 31, the certificate of estimated resources is amended to include any unencumbered fund balances at December 31 of the preceding year. The certificate may be further amended during the year if the fiscal officer determines that the revenue collected is greater or less than the current estimates. 42 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 1 -SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES—continued Appropriations The annual appropriation ordinance must be passed no later than April 1 of each year for the period January 1 to December 31. A temporary appropriation measure to control expenditures may be passed on or about January 1 of each year for the period from January 1 to March 31. The appropriation ordinance fixes spending authority at the fund and department level. The appropriation ordinance may be amended during the year, as new information becomes available, provided that total fund appropriations do not exceed current estimated resources, as certified. The allocation of appropriations among departments and functions within a fund may be modified with approval of both the city manager and finance director for those up to $20,000 made between departments, which are within a function. All other modifications may only be made by resolution of City Council. Encumbrances As part of formal budgetary control, purchase orders, contracts, and other commitments for the expenditure of monies are recorded as the equivalent of expenditures on the non-GAAP budgetary basis in order to reserve that portion of the applicable appropriation and to determine and maintain legal compliance. The Ohio Revised Code prohibits expenditures plus encumbrances from exceeding appropriations. On the GAAP basis, encumbrances outstanding at year-end are reported as restricted, committed, or assigned fund balance for governmental funds since they do not constitute expenditures or liabilities. Lapsing of Appropriations At the close of each year, the unencumbered balance of each appropriation lapses and is restored to the respective fund from which it was appropriated and becomes subject to future appropriation. The encumbered appropriation balance is carried forward to the succeeding year and is not reappropriated. NOTE 2 - FUND DEFICITS At December 31, 2022, the following funds had a deficit fund balance: Parking $ 90,097 Coronavirus Local Fiscal Recovery 34,191 OVI Task Force 11,455 The General Fund provides transfers to cover fund deficit balances; however, this is done when cash is needed. NOTE 3 - BUDGETARY BASIS OF ACCOUNTING While the City reports financial position, results of operations, and changes in fund balance on the basis of generally accepted accounting principles (GAAP), the budgetary basis, as provided by law, requires accounting for certain transactions according to cash receipts, disbursements, appropriations, and encumbrances. The Statements of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget (Non-GAAP) Basis, are presented on the budgetary basis to provide a meaningful comparison of actual results with the budget. 43 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 3 - BUDGETARY BASIS OF ACCOUNTING—continued The major differences between the budget basis and GAAP basis are as follows: 1. Revenues are recorded when received in cash (budget basis) as opposed to when susceptible to accrual (GAAP basis). 2. Expenditures are recorded when paid in cash (budget basis) as opposed to when the liability is incurred (GAAP basis). 3. Outstanding year-end encumbrances are treated as expenditures (budget basis) rather than as a restriction, commitment, or assignment of fund balance. 4. Advances in and advances out are operating transactions (budget basis) rather than as a due from/due to other funds (GAAP basis). The adjustments necessary to convert the results of operations for the year ended December 31, 2022, on the GAAP basis to the budget basis are as follows: Oxford Area Coronavirus General Fire and EMS Parking Trails Property Local Fiscal Fund Fund Fund Tax Fund Recovery Fund Net change in fund balance- GAAP Basis $ (241,161) $ (834,034) $313,092 $ 69,119 $ (34,191) Net adjustment for revenue accruals 362,766 (13,067) 12,130 - 931,512 Net adjustment for expenditure accruals (38,101) 81,929 73,708 - (882,401) Encumbrances (72,373) (323,085) (9,665) - (1,040,301) Othersources(uses) 171,282 - 65,485 - - Net change in fund balance-Budget Basis $ 182,413 $(1,088,257) $323,780 $ 69,119 $ (1,025,381) NOTE 4 - POOLED CASH AND INVESTMENTS The City maintains a cash deposit and investment pool for all funds. Each fund's share of cash deposits and investments is shown separately on the statement of net position and balance sheets as "Equity in Pooled Cash and Investments". State statutes classify monies held by the City into three categories. Active deposits are public deposits necessary to meet current demands on the treasury. Such monies must be maintained either as cash in the City Treasury, in commercial accounts payable or withdrawable on demand, including negotiable order of withdrawal (NOW) accounts, or in money market deposit accounts. Inactive deposits are public deposits that Council has identified as not required for use within the current five-year period of designation of depositories. Inactive deposits must be either evidenced by certificates of deposit maturing not later than the end of the current period of designation of depositories, or by savings or deposit accounts including, but not limited to, passbook accounts. Interim deposits are deposits of interim moneys. Interim moneys are those moneys which are not needed for immediate use, but which will be needed before the end of the current period of designation of depositories. Interim deposits must be evidenced by time certificates of deposit maturing not more than one year from the date of deposit or by savings or deposit accounts including passbook accounts. 44 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 4 - POOLED CASH AND INVESTMENTS—continued Interim monies may be deposited or invested in the following securities: (1) United States treasury notes, bills, bonds, or any other obligation or security issued by the United States treasury or any other obligation guaranteed as to principal or interest by the United States; (2) Bonds, notes, debentures, or any other obligations or securities issued by any federal government agency or instrumentality, including but not limited to, the Federal National Mortgage Association, Federal Home Loan Bank, Federal Farm Credit Bank, Federal Home Loan Mortgage Corporation, and Government National Mortgage Association. All federal agency securities shall be direct issuances of federal government agencies or instrumentalities; (3) Written repurchase agreements in the securities listed above, provided that the fair value of the securities subject to the repurchase agreement must exceed the principal value of the agreement by at least two percent and be marked to fair value daily and that the term of the agreement must not exceed thirty days; (4) Bonds and other obligations of the State of Ohio; (5) No-load money market funds consisting exclusively of obligations described in division (1) or (2) of this section, and repurchase agreement secured by such obligations, provided that investments in securities described in this division are made only through eligible institutions; (6) The State Treasury Assets Reserve of Ohio (STAR Ohio); and (7) Certain banker's acceptances (for a period not to exceed one hundred and eighty days) and commercial paper notes (for a period not to exceed two hundred seventy days) in an amount not to exceed 40 percent of the interim monies available for investment at any one time if training requirements have been met. (8) Under limited circumstance, corporate debt interests noted in either of the two highest rating classifications by at least two nationally recognized rating agencies. Protection of the City's deposits is provided by the Federal Deposit Insurance Corporation, by eligible securities pledged by the financial institution as security for repayment, by surety company bonds deposited with the treasurer by the financial institution or by a single collateral pool established by the financial institution to secure the repayment of all public moneys deposited with the institution. Investments in stripped principal or interest obligations, reverse repurchase agreements and derivatives are prohibited. The issuance of taxable notes for the purpose of arbitrage, the use of leverage and short selling are also prohibited. An investment must mature within five years from the date of purchase unless matched to a specific obligation or debt of the City and must be purchased with the expectation that it will be held to maturity. Investments may only be made through specified dealers and institutions. Payment for investments may be made only upon delivery of the securities representing the investments to the treasurer or qualified trustee or, if the securities are not represented by a certificate, upon receipt of confirmation of transfer from the custodian. Deposits: Custodial credit risk is the risk that in the event of a bank failure, the City's deposits may not be returned to it. The City's custodial credit risk policy requires that deposits be collateralized as required by ORC Chapter 135. Ohio law requires that deposits be placed in eligible banks or savings and loan associations located in Ohio. 45 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 4 - POOLED CASH AND INVESTMENTS—continued Any public depository in which the City places deposits must pledge as collateral eligible securities of aggregate fair value equal to the excess of deposits not insured by the Federal Deposit Insurance Corporation (FDIC). Financial institutions participating in the Ohio Pooled Collateral System (OPCS), a centralized collateral system monitored by the Ohio Treasurer of State, must pledge eligible securities equal to at least 102% of the carrying value of all public deposits held by each institution. Financial institutions choosing not to participate in the OPCS must pledge eligible securities equal to at least 105% of the carrying value of the all public deposits held by each institution. Obligations that may be pledged as collateral are limited to obligations of the United States and its agencies and obligations of any state, county, municipal corporation or other legally constituted authority of any other state, or any instrumentality of such county, municipal corporation or other authority. Collateral is held by trustees including the Federal Reserve Bank and designated third party trustees of the financial institutions. At year end, $14,321,755 of the City's bank balance of $14,836,667 was exposed to custodial risk and was collateralized with securities held by the pledging financial institutions trust department or agent but not in the City's name. Investments: The City's investments at December 31, 2022 are summarized as follows: Maturity Greater Balance at 6 months 7 to 12 13 to 18 19 to 24 than 24 Investment Type 12/31/22 or less months months months months Federal Home Loan Bank Notes $ 4,571,816 $ 1,011,084 $ 510,374 $ 99,595 $ 2,053,667 $ 897,096 Federal Home Loan Mort.Corp.Notes 4,147,276 156,697 2,352,282 - - 1,638,297 Federal National Mort.Assoc.Notes 1,101,689 - - - 1,012,132 89,557 Federal Farm Credit Bank Notes 2,721,620 742,508 111,282 950,540 - 917,290 Negotiable Certificates of Deposit 8,281,239 2,464,001 727,413 1,926,422 1,435,595 1,727,808 U.S.Treasury Notes 3,265,935 699,134 1,227,200 1,339,601 - - Commercial Paper 99,390 99,390 - - - - U.S.Money Market Funds 1,151,544 1,151,544 - - - - $ 25,340,509 $ 6,324,358 $ 4,928,551 $ 4,316,158 $ 4,501,394 $ 5,270,048 Credit Risk: It is the City's policy to limit its investments that are not obligations of the U.S. Government or obligations explicitly guaranteed by the U.S. Government to investments which have a credit quality of the top 2 ratings by nationally recognized statistical rating organizations. The City's investments in Federal Agency Notes were rated AA+ by Standard & Poor's and Aaa by Moody's. Custodial Credit Risk: Custodial credit risk is the risk that in the event of a failure of a counter party, the City will not be able to recover the value of its investments or collateral securities that are in the possession of an outside party. The City's investment securities are registered in the name of the City. 46 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 4 - POOLED CASH AND INVESTMENTS—continued Concentration of Credit Risk: Concentration of credit risk is defined as the risk of loss attributed to the magnitude of a governmenYs investment in a single user. The City places no limit on the amount that may be invested in any one issuer. The following table includes the percentage of each investment type held by the City at December 31, 2022: Balance at Percent Investment Type 12/31/22 of Total Federal Home Loan Bank Notes $ 4,571,816 18.04% Federal Home Loan Mort. Corp. Notes 4,147,276 16.37% Federal National Mort. Assoc. Notes 1,101,689 4.35% Federal Farm Credit Bank Notes 2,721,620 10.74% Negotiable Certificates of Deposit 8,281,239 32.68% U.S. Treasury Notes 3,265,935 12.89% Commercial Paper 99,390 0.39% U.S. Money Market Funds 1,151,544 4.54% $ 25,340,509 100.00% Interest Rate Risk: Interest rate risk is the risk that changes in interest rates will adversely affect the fair value of an investment. In accordance with the investment policy, the City manages its exposure to declines in fair value by limiting the maximum maturity of investments in its portfolio to five years. Fair Value Measurements: The City categorizes its fair value measurements within the fair value hierarchy established by generally accepted accounting principles. The hierarchy is based on the valuation inputs used to measure fair value of the asset. Level 1 inputs are quoted prices in active markets for identical assets; Level 2 inputs are significant other observable inputs valued by pricing sources used by the City's investment managers; Level 3 inputs are significant unobservable inputs. The City has the following investments subject to recurring fair value measurements as of December 31, 2022: Fair Value Measurements Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Balance at Identical Assets Inputs Inputs Investments bv Fair Value Level 12/31/22 (Level 1) (Level 2) (Level 3) Negotiable CDs $ 8,281,239 $ - $ 8,281,239 $ - U.S. Treasury Notes 3,265,935 3,265,935 - - Debt Securities: U.S. Agency Obligations 12,542,401 - 12,542,401 - Total $ 24,188,965 $ 3,265,935 $ 20,923,030 $ - Investments classified in Level 2 of the fair value hierarchy are valued using pricing sources as provided by the investment managers. NOTE 5 - LOANS RECEIVABLE Loans receivable consist of low-interest loans for development projects granted to eligible businesses under the Community Development Block Grant (CDBG) program. The amount of loans outstanding at December 31, 2022 is $201,588 and is considered fully collectible. 47 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 6 - PROPERTY TAXES Property taxes are levied against all real, public utility and tangible (used in business) property located in the City. Real property and public utility taxes collected during 2022 were levied on December 31, 2021 on assessed values listed as of January 1, 2021, the lien date. One-half of these taxes were due on February 15, 2022 with the remaining balance due on July 20, 2022. Assessed values of real property are established by State law at 35% of appraised market value. A revaluation of all property is required to be completed no less than every six years with equalization adjustments in the third year following reappraisal. Public utility property taxes are assessed on tangible personal property as well as land improvements at true value (50% of cost). The Butler County Treasurer collects property taxes on behalf of all taxing districts in the County, including the City of Oxford. The County Auditor periodically remits to the City its portion of the taxes collected. The full tax rate for all City operations for the year ended December 31, 2022, was $6.90 per $1,000 of assessed value. The assessed values of real property upon which 2022 property tax receipts were based are as follows: Real Property Assessed Valuation $ 378,662,760 Public Utility Property Assessed Valuation 13,982,600 Total $ 392,645,360 NOTE 7 - INCOME TAX The City levies a municipal income tax of 2.00% on substantially all income earned within the City which includes .25% which was approved by voters for Fire and EMS services and collected for the first time in 2011. In addition, the residents of the City are required to pay income tax on income earned outside of the City; however, the City allows a credit for income taxes paid to another municipality up to 100°/o of the City's current tax rate. Employers within the City are required to withhold income tax on employee compensation and remit the tax to the City quarterly. Corporations and other individual taxpayers are required to pay their estimated tax quarterly and file a declaration annually. Income tax proceeds are used for general fund operations, fire and EMS services, capital improvements, debt service and other governmental functions when needed, as determined by the Council. In 2022, the proceeds were receipted into the General and Fire and EMS Funds. NOTE 8 - INTERFUND ASSETS/LIABILITIES Advances to Advances from Other Funds Other Funds General Fund $ 9,004 $ - Parking Fund - 660,000 Nonmajor Governmental Funds 660,000 9,004 $ 669,004 $ 669,004 The interfund loans were made to provide operating capital. The Parking Fund originally borrowed $2,700,312 from the Capital Improvement Fund to construct a parking garage. This interfund loan is not expected to be repaid within one year. 48 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 9 -CAPITAL ASSETS Capital asset activity for the year ended December 31, 2022 was as follows: Beginning Ending Balance Increases Decreases Balance Governmental Activities Capital assets not being depreciated: Land and right-of-way easements $ 14,491,737 $ 820,740 $ - $ 15,312,477 Construction in progress 675,940 248,515 (56,800) 867,655 Total capital assets not being depreciated 15,167,677 1,069,255 (56,800) 16,180,132 Capital assets being depreciated: Buildings 19,947,666 80,868 - 20,028,534 Improvements 5,783,503 - - 5,783,503 Equipment 10,865,324 806,226 (392,477) 11,279,073 Infrastructure 54,456,719 1,069,996 (26,408) 55,500,307 Total capital assets being depreciated 91,053,212 1,957,090 (418,885) 92,591,417 Less accumulated depreciation: Buildings (3,858,648) (464,888) - (4,323,536) Improvements (5,494,318) (105,432) - (5,599,750) Equipment (6,978,820) (508,682) 359,051 (7,128,451) Infrastructure (26,564,920) (1,521,904) 26,408 (28,060,416) Total accumulated depreciation (42,896,706) (2,600,906) 385,459 (45,112,153) Total capital assets being depreciated, net 48,156,506 (643,816) (33,426) 47,479,264 Capital assets, net $ 63,324,183 $ 425,439 $ (90,226) $ 63,659,396 Depreciation expense was charged to governmental functions as follows: Security of persons and property $ 423,901 Leisure time activities 413,843 Community and economic development 131,225 Transportation 1,512,647 General government 119,290 Total depreciation expense $ 2,600,906 49 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 9 -CAPITAL ASSETS—continued Beginning Ending Balance Increases Decreases Balance Business-Type Activities Capital assets not being depreciated: Land $ 430,105 $ - $ - $ 430,105 Construction in progress 195,120 16,360 (26,500) 184,980 Total capital assets not being depreciated 625,225 16,360 (26,500) 615,085 Capital assets being depreciated: Buildings 9,752,965 185,037 - 9,938,002 Improvements 8,028,233 29,565 - 8,057,798 Equipment 13,763,583 276,949 - 14,040,532 Infrastructure 34,927,149 - - 34,927,149 Total capital assets being depreciated 66,471,930 491,551 - 66,963,481 Less accumulated depreciation: Buildings (6,760,497) (217,548) - (6,978,045) Improvements (7,993,989) (8,768) - (8,002,757) Equipment (9,026,329) (598,567) - (9,624,896) Infrastructure (16,581,723) (666,272) - (17,247,995) Total accumulated depreciation (40,362,538) (1,491,155) - (41,853,693) Total capital assets being depreciated, net 26,109,392 (999,604) - 25,109,788 Capital assets, net $ 26,734,617 $ (983,244) $ (26,500) $ 25,724,873 Depreciation expense was charged to segments as follows: Water $ 645,609 Sewer 834,054 Refuse 11,492 Total depreciation expense $ 1,491,155 NOTE 10 - DEFINED BENEFIT PENSION PLANS Net Pension Liability The net pension liability reported on the statement of net position represents a liability to employees for pensions. Pensions are a component of exchange transactions—between an employer and its employees—of salaries and benefits for employee services. Pensions are provided to an employee—on a deferred-payment basis—as part of the total compensation package offered by an employer for employee services each financial period. The obligation to sacrifice resources for pensions is a present obligation because it was created as a result of employment exchanges that already have occurred. The net pension liability represents the City's proportionate share of each pension plan's collective actuarial present value of projected benefit payments attributable to past periods of service, net of each pension plan's fiduciary net position. The net pension liability calculation is dependent on critical long- term variables, including estimated average life expectancies, earnings on investments, cost of living adjustments and others. While these estimates use the best information available, unknowable future events require adjusting this estimate annually. Ohio Revised Code limits the City's obligation for this liability to annually required payments. The City cannot control benefit terms or the manner in which pensions are financed; however, the City does receive the benefit of employees' services in exchange for compensation including pension. 50 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 10 - DEFINED BENEFIT PENSION PLANS—continued GASB Statement No. 68 assumes the liability is solely the obligation of the employer, because (1) they benefit from employee services; and (2) State statute requires all funding to come from these employers. All contributions to date have come solely from these employers (which also includes costs paid in the form of withholdings from employees). State statute requires the pension plans to amortize unfunded liabilities within 30 years. If the amortization period exceeds 30 years, each pension plan's board must propose corrective action to the State legislature. Any resulting legislative change to benefits or funding could significantly affect the net pension liability. Resulting adjustments to net pension liability would be effective when the changes are legally enforceable. The proportionate share of each plan's unfunded benefits is presented as a long-term net pension liability on the accrual basis of accounting. Any liability for the contractually-required pension contribution outstanding at the end of the year is included in intergovernmental payable on both the accrual and modified accrual bases of accounting. Plan Description—Ohio Public Employees Retirement System (OPERS) City employees, other than full-time police and firefighters, participate in the Ohio Public Employees Retirement System (OPERS). OPERS administers three separate pension plans. The Traditional Pension Plan is a cost-sharing, multiple-employer defined benefit pension plan. The Member-Directed Plan is a defined contribution plan and the Combined Plan is a cost-sharing, multiple-employer defined benefit pension plan with defined contribution features. While members (e.g., City employees) may elect the Member-Directed Plan and the Combined Plan, the majority of employee members are in OPERS' Traditional Plan; therefore, the following disclosures focus on the Traditional Pension Plan. OPERS provides retirement, disability, survivor and death benefits, and annual cost of living adjustments to members of the Traditional Plan. Authority to establish and amend benefits is provided by Chapter 145 of the Ohio Revised Code (ORC). OPERS issues a stand-alone financial report that includes financial statements, required supplementary information and detailed information about OPERS' fiduciary net position that may be obtained by visiting https://www.opers.orq/financial/reports.shtml, by writing to Ohio Public Employees Retirement System, 277 East Town Street, Columbus, OH 43215-4642, or by calling 800-222-7377. Senate Bill (SB) 343 was enacted into law with an effective date of January 7, 2013. In the legislation, members were categorized into three groups with varying provisions of the law applicable to each group. The following table provides age and service requirements for retirement and the retirement formula applied to final average salary (FAS) for the three-member groups under the Traditional Pension Plan as per the reduced benefits adopted by SB 343 (see OPERS' Annual Comprehensive Financial Report referenced above for additional information): Group A Group B Group C Eligible to retire prior to 20 years of service credit prior to Members not in other Groups January 7,2013 or five years January 7,2013 or eligible to retire and members hired on or after after January 7,2013 ten years after January 7,2013 January 7,2013 State and Local State and Local State and Local Age and Service Requirements: Age and Service Requirements: Age and Service Requirements: Age 60 with 60 months of service Age 60 with 60 months of service credit Age 57 with 25 years of service credit credit or Age 55 with 25 years of or Age 55 with 25 years of service or Age 62 with 5 years of service credit service credit credit Formula: Formula: Formula: 2.2°/o of FAS multiplied by years of 2.2%of FAS multiplied by year of 2.2%of FAS multiplied by years of Service for the first 30 years and service for the first 30 years and 2.5% service for the first 35 years and 2.5% 2.5°/o for service years in excess of for service years in excess of 30 years for service years in excess of 35 years 30 years 51 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 10 - DEFINED BENEFIT PENSION PLANS—continued Final average salary (FAS) represents the average of the three highest years of earnings over a member's career for Groups A and B. Group C is based on the average of the five highest years of earnings over a member's career. Members who retire before meeting the age and years of service credit requirement for unreduced benefits receive a percentage reduction in the benefit amount. When a benefit recipient has received benefits for 12 months, an annual cost of living adjustment (COLA) is provided. This COLA is calculated on the base retirement benefit at the date of retirement and is not compounded. For those retiring prior to January 7, 2013, the COLA will continue to be a 3% simple annual COLA. For those retiring subsequent to January 7, 2013, beginning in calendar year 2019, the COLA will be based on the average percentage increase in the Consumer Price Index, capped at 3°/o. Funding Policy—The ORC provides statutory authority for member and employer contributions. For 2022, member contribution rates were 10% of salary and employer contribution rates were 14%. Employer contribution rates are actuarially determined and are expressed as a percentage of covered payroll. The City's contractually required contribution was $794,832 for 2022. Plan Description—Ohio Police & Fire Pension Fund (OP&F) City full-time police and firefighters participate in the Ohio Police & Fire Pension Fund (OP&F), a cost- sharing, multiple-employer defined benefit pension plan administered by OP&F. OP&F provides retirement and disability pension benefits, annual cost-of-living adjustments, and death benefits to plan members and beneficiaries. Benefit provisions are established by the Ohio State Legislature and are codified in Chapter 742 of the Ohio Revised Code (ORC). OP&F issues a publicly available financial report that includes financial information and required supplementary information and detailed information about OP&F fiduciary net position. The report may be obtained by visiting the OP&F website at www.op- f.orq or by writing to the Ohio Police and Fire Pension Fund, 140 East Town Street, Columbus, OH 43215-5164. Upon attaining a qualifying age with sufficient years of service, a member of OP&F inay retire and receive a lifetime monthly pension. OP&F offers four types of service retirement: normal, service commuted, age/service commuted and actuarially reduced. Each type has different eligibility guidelines and is calculated using the member's average annual salary. The following discussion of the pension formula relates to normal service retirement. For members hired after July 1, 2013, the minimum retirement age is 52 for normal service retirement with at least 25 years of service credit. For members hired on or before July 1, 2013, the minimum retirement age is 48 for normal service retirement with at least 25 years of service credit. The annual pension benefit for normal service retirement is equal to a percentage of the allowable average annual salary. The percentage equals 2.5% for each of the first 20 years of service credit, 2.0% for each of the next five years of service credit and 1.5% for each year of service credit in excess of 25 years. The maximum pension of 72% of the allowable average annual salary is paid after 33 years of service credit. Under normal service retirement, retired members who are at least 55 years old and have been receiving OP&F benefits for at least one year may be eligible for a cost-of-living adjustment (COLA). The age 55 provision for receiving a COLA does not apply to those who are receiving a permanent and total disability benefit and statutory survivors. 52 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 10 - DEFINED BENEFIT PENSION PLANS—continued Members retiring under normal service retirement, with less than 15 years of service credit on July 1, 2013, will receive a COLA equal to either 3°/o or the percent increase, if any, in the consumer price index (CPI) over the 12-month period ending September 30 of the immediately preceding year, whichever is less. The COLA amount for members with at least 15 years of service credit as of July 1, 2013 is equal to 3% of their base pension or disability benefit. Funding Policy—The ORC provides statutory authority for member and employer contributions as follows: Police Firefighters 2022 Statutory Maximum Contribution Rates Employer 19.50 % 24.00 % Employee 12.25 % 12.25 % 2022 Actual Contribution Rates Employer: Pension 19.00 % 23.50 % Post-employment Health Care Benefits 0.50 % 0.50 % Total Employer 19.50 % 24.00 % Employee 12.25 % 12.25 % Employer contribution rates are expressed as a percentage of covered payroll. The City's contractually required contribution to OP&F was $788,430 for 2022. Pension Liabilities, Pension Expense, and Deferred Outflows of Resources and Deferred Inflows of Resources Related to Pensions The net pension liability for OPERS was measured as of December 31, 2021 and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of that date. OP&F's total pension liability was measured as of December 31, 2021, and was determined by rolling forward the total pension liability as of January 1, 2021, to December 31, 2021. The City's proportion of the net pension liability was based on the City's share of contributions to the pension plan relative to the contributions of all participating entities. Following is information related to the proportionate share: OPERS OP&F Total Proportionate Share of Net Pension Liability $ 3,262,404 $ 8,274,636 $ 11,537,040 Proportion of Net Pension Liability 0.037497% 0.132449% Change in Proportion 0.000988% 0.006202% Pension Expense $ (489,109) $ 868,556 $ 379,447 53 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 10 - DEFINED BENEFIT PENSION PLANS—continued Net pension liabilities are generally liquidated from the General, Parking, Street and enterprise funds. At December 31, 2022, the City reported deferred outflows of resources and deferred inflows of resources related to pensions from the following sources: OPERS OP&F Total Deferred Outflows of Resources Differences between expected and actual experience $ 166,312 $ 238,593 $ 404,905 Change in assumptions 407,960 1,512,249 1,920,209 Change in proportionate share and difference in employer contributions 120,102 815,555 935,657 City contributions subsequent to the measurement date 794,832 788,430 1,583,262 $ 1,489,206 $ 3,354,827 $ 4,844,033 Deferred Inflows of Resources Differences between expected and actual experience $ 71,553 $ 430,167 $ 501,720 Net differences between projected and actual investment earnings 3,880,510 2,169,482 6,049,992 Change in proportionate share and difference in employer contributions 5,677 389,774 395,451 $ 3,957,740 $ 2,989,423 $ 6,947,163 $1,583,262 reported as deferred outflows of resources related to pension resulting from City contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ending December 31, 2023. Other amounts reported as deferred outflows of resources and deferred inflows of resources related to pension will be recognized in pension expense as follows: OPERS OP&F Total Year Ending December 31: 2023 $ (433,270) $ 269,369 $ (163,901) 2024 (1,300,332) (498,868) (1,799,200) 2025 (912,465) (245,117) (1,157,582) 2026 (617,299) (158,563) (775,862) 2027 - 210,153 210,153 $ (3,263,366) $ (423,026) $ (3,686,392) Actuarial Assumptions—OPERS Actuarial valuations of an ongoing plan involve estimates of the values of reported amounts and assumptions about the probability of occurrence of events far into the future. Examples include assumptions about future employment, mortality and cost trends. Actuarially determined amounts are subject to continual review or modification as actual results are compared with past expectations and new estimates are made about the future. 54 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 10 - DEFINED BENEFIT PENSION PLANS—continued Projections of benefits for financial reporting purposes are based on the substantive plan (the plan as understood by the employers and plan members) and include the types of benefits provided at the time of each valuation. The total pension liability in the December 31, 2021 actuarial valuation was determined using the following actuarial assumptions: Wage inflation: Current measurement period 2.75% Prior measurement period 3.25% Future salary increases (including inflation): Current measurement period 2.75% to 10.75% Prior measurement period 3.25% to 10.75% COLA or Ad Hoc COLA Pre 1/7/2013 retirees: 3°/a simple; Post 1/7/2013 retirees: 3% simple through 2022, then 2.05% simple Investment rate of return: Current measurement period 6.90% Prior measurement period 7.20% Actuarial cost method Individual entry age Pre-retirement mortality rates are based on 130% of the Pub-2010 General Employee Mortality tables (males and females) for State and Local Government divisions and 170% of the Pub-2010 Safety Employee Mortality tables (males and females) for the Public Safety and Law Enforcement divisions. Post-retirement mortality rates are based on 115°/o of the PubG-2010 Retiree Mortality Tables (males and females) for all divisions. Post-retirement mortality rates for disabled retirees are based on the PubNS- 2010 Disabled Retiree Mortality Tables (males and females) for all divisions. For all of the previous described tables, the base year is 2010 and mortality rates for a particular calendar year are determined by applying the MP-2020 mortality improvement scales (males and females)to all of these tables. The most recent experience study was completed for the five-year period ended December 31, 2020. During 2021, OPERS managed investments in three investment portfolios: the Defined Benefit portfolio, the Health Care portfolio and the Defined Contribution portfolio. The Defined Benefit portfolio contains the investment assets of the Traditional Pension Plan, the defined benefit component of the Combined Plan and the annuitized accounts of the Member-Directed Plan. Within the Defined Benefit portfolio, contributions into the plans are all recorded at the same time, and benefit payments all occur on the first of the month. Accordingly, the money-weighted rate of return is considered to be the same for all plans within the portfolio. The annual money-weighted rate of return expressing investment performance, net of investment expenses and adjusted for the changing amounts actually invested, for the Defined Benefit portfolio was a gain of 15.3% for 2021. 55 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 10 - DEFINED BENEFIT PENSION PLANS—continued The allocation of investment assets within the Defined Benefit portfolio is approved by the Board of Trustees in the annual investment plan. Plan assets are managed on a total return basis with a long-term objective of achieving and maintaining a fully funded status for the benefits provided through the defined benefit pension plans. The long-term expected rate of return on defined benefit investment assets was determined using a building-block method in which best-estimate ranges of expected future rates of return are developed for each major asset class. These ranges are combined to produce the long-term expected rate of return by weighting the expected future rates of return by the target asset allocation percentage, adjusted for inflation. Best estimates of arithmetic rates of return were provided by the Board's investment consultant. For each major asset class that is included in the Defined Benefit portfolio's target asset allocation as of December 31, 2021, these best estimates are summarized in the following table: Weighted Average Long-Term Expected Target Real Rate of Return Asset Class Allocation (Arithmetic) Fixed Income 24.00% 1.03% Domestic Equities 21.00°/a 3.78% Real Estate 11.00% 3.66% Private Equity 12.00% 7.43% International Equities 23.00% 4.88% Risk Parity 5.00% 2.92% Other Investments 4.00% 2.85% Total 100.00% 4.21% Discount Rate. The discount rate used to measure the total pension liability was 6.9%. The projection of cash flows used to determine the discount rate assumed that contributions from plan members and those of the contributing employers are made at the statutorily required rates. Based on those assumptions, the pension plan's fiduciary net position was projected to be available to make all projected future benefit payments of current plan members. Therefore, the long-term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to determine the total pension liability. Sensitivity of the City's Proportionate Share of the Net Pension Liability to Changes in the Discount Rate. The following table represents the City's proportionate share of the net pension liability calculated using the current period discount rate assumption of 6.9%, as well as what the City's proportionate share of the net pension liability would be if it were calculated using a discount rate that is one-percentage point lower(5.9%) and one-percentage point higher(7.9%)than the current rate: Current 1% Decrease Discount 1% Increase (5.9°/o) Rate of 6.9% (7.9%) City's proportionate share of the net pension liability $ 8,601,872 $ 3,262,404 $ (1,180,465) 56 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 10 - DEFINED BENEFIT PENSION PLANS—continued Actuarial Assumptions—OP&F OP&F's total pension liability as of December 31, 2021 is based on the results of an actuarial valuation date of January 1, 2021, and rolled-forward using generally accepted actuarial procedures. The total pension liability is determined by OP&F's actuaries in accordance with GASB Statement No. 67, as part of their annual valuation. Actuarial valuations of an ongoing plan involve estimates of reported amounts and assumptions about probability of occurrence of events far into the future. Examples include assumptions about future employment mortality, salary increases, disabilities, retirements and employment terminations. Actuarially determine amounts are subject to continual review and potential modifications, as actual results are compared with past experiences and new estimates are made about the future. Key methods and assumptions used in calculating the total pension liability in the latest actuarial valuation, prepared as of January 1, 2021, are presented below: Valuation date January 1, 2021 with actuarial liabilities rolled forward to December 31, 2021 Actuarial cost method Entry age normal Investment rate of return: Current measurement period 7.50% Prior measurement period 8.00% Projected salary increases 3.75%to 10.50% Payroll growth 2.75% plus productivity increase rate of 0.5% Inflation assumptions 2.75% Cost of living adjustments 2.20°/o simple per year Mortality for non-disabled participants is based on the RP-2014 Total Employee and Healthy Annuitant Mortality Tables rolled back to 2006, adjusted and projected with the Buck Modified 2016 Improvement Scale. Rates for surviving beneficiaries are adjusted by 120%. Age Police Fire 67 or less 77°/a 68% 68-77 105% 87% 78 and up 115% 120% Mortality for disabled retirees is based on the RP-2014 Disabled Mortality Tables rolled back to 2006, adjusted according to the rates in the following table, and projected with the Buck Modified 2016 Improvement Scale. Age Police Fire 59 or less 35% 35% 60-69 60% 45% 70-79 75% 70% 80 and up 100% 90% The most recent experience study was completed for the five-year period ended December 31, 2016. 57 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 10 - DEFINED BENEFIT PENSION PLANS—continued The long-term expected rate of return on pension plan investments was determine using a building-block approach and assumes a time horizon, as defined in OP&F's Statement of Investment Policy. A forecasted rate of inflation serves as the baseline for the return expected. Various real return premiums over the baseline inflation rate have been established for each asset class. The long-term expected nominal rate of return has been determined by calculating a weighted average of expected real return premiums for each asset class, adding the projected inflation rate and adding the expected return from rebalancing uncorrelated asset classes. Best estimates of the long-term expected geometric real rates of return for each major asset class included in OP&F's target asset allocation as of December 31, 2021 are summarized below: Long-Term Expected Target Real Rate Asset Class Allocation of Return Cash and cash equivalents 0.0% 0.00% Domestic equity 21.0% 3.60°/a Non-U.S. equity 14.0% 4.40% Private markets 8.0% 6.80% Core fixed income* 23.0% 1.10°/a High yield fixed income 7.0% 3.00% Private credit 5.0% 4.50% U.S. inflation linked bonds* 17.0% 0.80°/o Midstream energy infrastructure 5.0% 5.00% Real assets 8.0% 5.90°/o Gold 5.0% 2.40% Private real estate 12.0% 4.80% 125.0% Note:Assumptions are geometric. *Levered 2x OP&F's Board of Trustees has incorporated the risk parity concept into OP&F's asset liability valuation with the goal of reducing equity risk exposure, which reduces overall Total Portfolio risk without sacrificing return and creating a more risk-balanced portfolio based on their relationship between asset classes and economic environments. From the notional portfolio perspective above, the Total Portfolio may be levered up to 1.25 times due to the application of leverage in certain fixed income asset classes. Discount Rate. The total pension liability was calculated using the discount rate of 7.5°/o. The projection of cash flows used to determine the discount rate assumed the contributions from employers and from the members would be computed based on contribution requirements as stipulated by state statute. Projected inflows from investment earnings were calculated using the longer-term assumed investment rate of return of 7.5%. Based on those assumptions, OP&F's fiduciary net position was projected to be available to make all future benefit payments of current plan members. Therefore, a long-term expected rate of return on pension plan investments was applied to all periods of projected benefits to determine the total pension liability. Sensitivity of the City's Proportionate Share of the Net Pension Liability to Changes in the Discount Rate. Net pension liability is sensitive to changes in the discount rate, and to illustrate the potential impact the following table presents the net pension liability calculated using the discount rate of 7.5°/o, as well as what the net pension liability would be if it were calculated using a discount rate that is one-percentage point lower(6.5%)or one-percentage point higher(8.5%)than the current rate. Current 1% Decrease Discount 1% Increase (6.5%) Rate of 7.5% (8.5%) City's proportionate share of the net pension liability $ 12,271,172 $ 8,274,636 $ 4,946,511 58 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 11 - DEFINED BENEFIT OTHER POSTEMPLOYMENT BENEFITS Net OPEB Liability/(Asset) The net OPEB liability/(asset) represents the City's proportionate share of each OPEB plan's collective actuarial present value of projected benefit payments attributable to past periods of service, net of each OPEB plan's fiduciary net position. The net OPEB liability/(asset) calculation is dependent on critical long- term variables, including estimated average life expectancies, earnings on investments, cost of living adjustments, health care cost trends and others. While these estimates use the best information available, unknowable future events require adjusting these estimates annually. Ohio Revised Code limits the City's obligation for this liability to annual required payments. The City cannot control benefit terms or the manner in which OPEB are financed; however, the City does receive the benefit of employees' services in exchange for compensation including OPEB. GASB Statement No. 75 assumes the liability is solely the obligation of the employer, because they benefit from employee services. OPEB contributions come from these employers and health care plan enrollees which pay a portion of the health care costs in the form of a monthly premium. The Ohio Revised Code permits, but does not require the retirement systems to provide health care to eligible benefit recipients. Any change to benefits or funding could significantly affect the net OPEB liability/(asset). Resulting adjustments to the net OPEB liability/(asset) would be effective when the changes are legally enforceable. The retirement systems may allocate a portion of the employer contributions to provide for these OPEB benefits. The proportionate share of each plan's unfunded benefits is presented as a long-term net OPEB asset or net OPEB liability on the accrual basis of accounting. Any liability for contractually-required OPEB contributions outstanding at the end of the year is included in intergovernmental payable on both the accrual and modified accrual bases of accounting. Plan Description—Ohio Public Employees Retirement System (OPERS) The Ohio Public Employees Retirement System (OPERS) administers three separate pension plans: the Traditional Pension Plan, a cost-sharing, multiple-employer defined benefit plan; the Member-Directed Plan, a defined contribution plan; and the Combined Plan, a cost-sharing, multiple-employer defined benefit plan that has elements of both a defined benefit and defined contribution plan. OPERS maintains a cost-sharing, multiple-employer defined benefit post-employment health care trust, which funds multiple health care plans including medical coverage, prescription drug coverage and deposits to a Health Reimbursement Arrangement to qualifying benefit recipients of both the Traditional Pension and Combined plans. This trust is also used to fund health care for Member-Directed plan participants, in the form of a Retiree Medical Account (RMA). At retirement or refund, Member-Directed plan participants may be eligible for reimbursement of qualified medical expenses from their vested RMA balance. Effective January 1, 2022, OPERS discontinued the group plans currently offered to non-Medicare retirees and re-employed retirees. Instead, eligible non-Medicare retirees will select an individual medical plan. OPERS will provide a subsidy or allowance via a Health Reimbursement Arrangement allowance to those retirees who meet health care eligibility requirements. Retirees will be able to seek reimbursement for plan premiums and other qualified medical expenses. 59 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 11 - DEFINED BENEFIT OTHER POSTEMPLOYMENT BENEFITS—continued In order to qualify for postemployment health care coverage, age and service retirees under the Traditional Pension and Combined plans must have twenty or more years of qualifying Ohio service credit. Health care coverage for disability benefit recipients and qualified survivor benefit recipients is available. The health care coverage provided by OPERS meets the definition of an OPEB as described in GASB Statement No. 75. See OPERS' Annual Comprehensive Financial Report referenced below for additional information. The Ohio Revised Code permits, but does not require, OPERS to provide health care to its eligible benefit recipients. Authority to establish and amend health care coverage is provided to the Board in Chapter 145 of the Ohio Revised Code. Disclosures for the health care plan are presented separately in the OPERS financial report. Interested parties may obtain a copy by visiting https://www.opers.orq/financial/reports.shtml, by writing to OPERS, 277 East Town Street, Columbus, Ohio 43215-4642, or by calling (614) 222-5601 or 800-222-7377. Funding Policy—The Ohio Revised Code provides statutory authority requiring public employers to fund postemployment health care through their contributions to OPERS. When funding is approved by OPERS' Board of Trustees, a portion of each employer's contribution to OPERS is set aside to fund OPERS health care plans. Employer contribution rates are expressed as a percentage of the earnable salary of active members. In 2022, state and local employers contributed at a rate of 14.0% of earnable salary and public safety and law enforcement employers contributed at 18.1%. These are the maximum employer contribution rates permitted by the ORC. Active member contributions do not fund health care. Each year, the OPERS Board determines the portion of the employer contribution rate that will be set aside to fund health care. The portion of employer contributions allocated to health care for members in the Traditional Pension Plan was 0% during calendar year 2022. For the Combined Plan, the portion of the employer contributions allocated to health care was 0°/o from January 1, 2022 to June 30, 2022, and was 2%from July 1, 2022 to December 31, 2022. As recommended by OPERS' actuary, the portion of employer contributions allocated to health care beginning January 1, 2023 remains at 0% for the Traditional Pension Plan and 2% for the Combined Plan. The OPERS Board is also authorized to establish rules for the retiree or their surviving beneficiaries to pay a portion of the health care provided. Payment amounts vary depending on the number of covered dependents and the coverage selected. The employer contribution as a percentage of covered payroll deposited into the RMA for participants in the Member-Directed Plan for 2022 was 4.0%. The City's contractually required contribution to the OPERS Member-Directed Plan was $6,521 for 2022. Plan Description—Ohio Police &Fire Pension Fund(OP&F) The City contributes to the Ohio Police and Fire Pension Fund (OP&F) sponsored healthcare program, a cost-sharing, multiple-employer defined postemployment healthcare plan administered by a third-party provider. This program is not guaranteed and is subject to change at any time upon action of the Board of Trustees. OP&F provides health care benefits including coverage for medical, prescription drug, dental, vision, and Medicare Part B premiums to retirees, qualifying benefit recipients and their eligible dependents. OP&F provides access to postretirement health care coverage for any person who receives or is eligible to receive a monthly service, disability, or statutory survivor benefit, or is a spouse or eligible dependent child of such person. The health care coverage provided by OP&F meets the definition of an OPEB as described in GASB Statement No. 75. 60 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 11 - DEFINED BENEFIT OTHER POSTEMPLOYMENT BENEFITS—continued The Ohio Revised Code allows, but does not mandate, OP&F to provide OPEB. Authority for the OP&F Board of Trustees to provide health care coverage to eligible participants and to establish and amend benefits is codified in Chapter 742 of the Ohio Revised Code. OP&F issues a publicly available financial report that includes financial information and required supplementary information for the plan. The report may be obtained by visiting the OP&F website at www.op-f.orq or by writing to Ohio Police and Fire Pension Fund, 140 East Town Street, Columbus, Ohio 43215-5164. Funding Policy—The Ohio Revised Code provides for contribution requirements of the participating employers and of plan members to the OP&F defined benefit pension plan. Participating employers are required to contribute to the pension plan at rates expressed as percentages of the payroll of active pension plan members, currently 19.5% and 24.0% of covered payroll for police and fire employer units, respectively. The Ohio Revised Code states that the employer contribution may not exceed 19.5% of covered payroll for police employer units and 24.0% of covered payroll for fire employer units. Active members do not make contributions to the OPEB plan. OP&F inaintains funds for health care in two separate accounts. There is one account for health care benefits and one account for Medicare Part B reimbursements. A separate health care trust accrual account is maintained for health care benefits under IRS Code Section 115 trust. An IRS Code Section 401(h)account is maintained for Medicare Part B reimbursements. The Board of Trustees is authorized to allocate a portion of the total employer contributions made into the pension plan to the Section 115 trust and the Section 401(h) account as the employer contribution for retiree health care benefits. For 2022, the portion of the employer contributions allocated to health care was 0.5% of covered payroll. The amount of employer contributions allocated to the health care plan each year is subject to the Trustees' primary responsibility to ensure that pension benefits are adequately funded and is limited by the provisions of Section 115 and 401(h). The OP&F Board of Trustees is also authorized to establish requirements for contributions to the health care plan by retirees and their eligible dependents or their surviving beneficiaries. Payment amounts vary depending on the number of covered dependents and the coverage selected. The City's contractually required contribution to OP&F was $19,459 for 2022. OPEB Assets and Liabilities, OPEB Expense, and Deferred Outflows and Inflows of Resources Related to OPEB The net OPEB asset and total OPEB liability for OPERS were determined by an actuarial valuation as of December 31, 2020, rolled forward to the measurement date of December 31, 2021, by incorporating the expected value of health care cost accruals, the actual health care payment, and interest accruals during the year. OP&F's total OPEB liability was measured as of December 31, 2021 and was determined by rolling forward the total OPEB liability as of January 1, 2021 to December 31, 2021. The City's proportion of the net OPEB liability/(asset) was based on the City's share of contributions to the respective retirement systems relative to the contributions of all participating entities. 61 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 11 - DEFINED BENEFIT OTHER POSTEMPLOYMENT BENEFITS—continued The following is information related to the proportionate share and OPEB expense: OPERS OP&F Total Proportionate Share of Net OPEB Liability/(Asset) $ (1,148,991) $ 1,451,753 $ 302,762 Proportion of Net OPEB Liability/(Asset) 0.036684% 0.132449% Change in Proportion 0.000769% 0.006202% OPEB Expense $ (1,023,766) $ 283,249 $ (740,517) Net OPEB liabilities are generally liquidated from the General Fund. At December 31, 2022, the City reported deferred outflows of resources and deferred inflows of resources related to OPEB from the following sources: OPERS OP&F Total Deferred Outflows of Resources Differences between expected and actual experience $ - $ 66,039 $ 66,039 Change in assumptions - 642,589 642,589 Change in proportionate share and difference in employer contributions 13,849 544,242 558,091 City contributions subsequent to the measurement date 6,521 19,459 25,980 $ 20,370 $ 1,272,329 $ 1,292,699 Deferred Inflows of Resources Differences between expected and actual experience $ 174,284 $ 191,870 $ 366,154 Net differences between projected and actual investment earnings 547,758 131,143 678,901 Change in assumptions 465,098 168,612 633,710 Change in proportionate share and difference in employer contributions 21,879 49,018 70,897 $ 1,209,019 $ 540,643 $ 1,749,662 $25,980 reported as deferred outflows of resources related to OPEB resulting from City contributions subsequent to the measurement date will be recognized as a reduction of the net OPEB liability or an increase in the net OPEB asset in the year ending December 31, 2023. 62 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 11 - DEFINED BENEFIT OTHER POSTEMPLOYMENT BENEFITS—continued Other amounts reported as deferred outflows and inflows of resources related to OPEB will be recognized in OPEB expense as follows: OPERS OP&F Total Year Ending December 31: 2023 $ (747,587) $ 223,428 $ (524,159) 2024 (249,234) 203,959 (45,275) 2025 (119,682) 194,159 74,477 2026 (78,667) 20,934 (57,733) 2027 - 33,370 33,370 Thereafter - 36,377 36,377 $ (1,195,170) $ 712,227 $ (482,943) Actuarial Assumptions—OPERS Actuarial valuations of an ongoing plan involve estimates of the value of reported amounts and assumptions about the probability of occurrence of events far into the future. Examples include assumptions about future employment, mortality, and cost trends. Actuarially determined amounts are subject to continual review or modification as actual results are compared with past expectations and new estimates are made about the future. Projections of health care costs for financial reporting purposes are based on the substantive plan and include the types of coverages provided at the time of each valuation and the historical pattern of sharing of costs between OPERS and plan members. The total OBEB liability was determined by an actuarial valuation as of December 31, 2020, rolled forward to the measurement date of December 31, 2021. The actuarial valuation used the following actuarial assumptions applied to all prior periods included in the measurement in accordance with the requirements of GASB Statement No. 74: Wage inflation: Current measurement period 2.75% Prior measurement period 3.25% Projected salary increases: Current measurement period 2.75% to 10.75%, including wage inflation Prior measurement period 3.25%to 10.75%, including wage inflation Singe discount rate: 6.00% Investment rate of return 6.00% Municipal bond rate: Current measurement period 1.84% Prior measurement period 2.00% Health care cost trend rate: Current measurement period 5.5% initial, 3.50% ultimate in 2034 Prior measurement period 8.5% initial, 3.50°/o ultimate in 2035 Actuarial cost method Individual entry age 63 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 11 - DEFINED BENEFIT OTHER POSTEMPLOYMENT BENEFITS—continued Pre-retirement mortality rates are based on 130% of the Pub-2010 General Employee Mortality tables (males and females) for State and Local Government divisions and 170% of the Pub-2010 Safety Employee Mortality tables (males and females) for the Public Safety and Law Enforcement divisions. Post-retirement mortality rates are based on 115% of the PubG-2010 Retiree Mortality Tables (males and females) for all divisions. Post-retirement mortality rates for disabled retirees are based on the PubNS- 2010 Disabled Retiree Mortality Tables (males and females) for all divisions. For all of the previous described tables, the base year is 2010 and mortality rates for a particular calendar year are determined by applying the MP-2020 mortality improvement scales (males and females)to all of these tables. The most recent experience study was completed for the five-year period ended December 31, 2020. During 2021, OPERS managed investments in three investment portfolios: the Defined Benefit portfolio, the Health Care portfolio and the Defined Contribution portfolio. The Defined Benefit portfolio contains the investment assets of the Traditional Pension Plan, the defined benefit component of the Combined Plan and the annuitized accounts of the Member-Directed Plan. Within the Health Care portfolio, contributions into the plans are assumed to be received continuously throughout the year based on the actual payroll payable at the time contributions are made, and health care-related payments are assumed to occur mid- year. Accordingly, the money-weighted rate of return is considered to be the same for all plans within the portfolio. The annual money-weighted rate of return expressing investment performance, net of investment expenses and adjusted for the changing amounts actually invested, for the Health Care portfolio was a gain of 14.3°/o for 2021. The allocation of investment assets within the Defined Benefit portfolio is approved by the Board of Trustees in the annual investment plan. Plan assets are managed on a total return basis with a long-term objective of achieving and maintaining a fully funded status for the benefits provided through the defined benefit pension plans. The long-term expected rate of return on defined benefit investment assets was determined using a building-block method in which best-estimate ranges of expected future rates of return are developed for each major asset class. These ranges are combined to produce the long-term expected rate of return by weighting the expected future rates of return by the target asset allocation percentage, adjusted for inflation. Best estimates of arithmetic rates of return were provided by the Board's investment consultant. For each major asset class that is included in the Health Care portfolio's target asset allocation as of December 31, 2021, these best estimates are summarized in the following table: Weighted Average Long-Term Expected Target Real Rate of Return Asset Class Allocation (Arithmetic) Fixed Income 34.00% 0.91% Domestic Equities 25.00% 3.78% REITs 7.00% 3.71% International Equities 25.00°/o 4.88% Risk Parity 2.00% 2.92% Other Investments 7.00°/a 1.93% Total 10� 3.45% 64 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 11 - DEFINED BENEFIT OTHER POSTEMPLOYMENT BENEFITS—continued Discount Rate. A single discount rate of 6.00% was used to measure the OPEB liability on the measurement date of December 31, 2021. Projected benefit payments are required to be discounted to their actuarial present value using a single discount rate that reflects (1) a long-term expected rate of return on OPEB plan investments (to the extent that the health care fiduciary net position is projected to be sufficient to pay benefits), and (2) tax-exempt municipal bond rate based on an index of 20-year general obligation bonds with an average AA credit rating as of the measurement date (to the extent that the contributions for use with the long-term expected rate are not met). This single discount rate was based on the actuarial assumed rate of return on the health care investment portfolio of 6.00% and a municipal bond rate of 1.84%. The projection of cash flows used to determine this single discount rate assumed that employer contributions will be made at rates equal to the actuarially determined contribution rate. Based on these assumptions, the health care fiduciary net position and future contributions were sufficient to finance health care costs through 2121. As a result, the actuarial assumed long-term expected rate of return on health care investments was applied to projected costs through the year 2121, the duration of the projection period through which projected health care payments are fully funded. Sensitivity of the City's Proportionate Share of the Net OPEB Asset to Changes in the Discount Rate. The following table presents the City's proportionate share of the net OPEB asset calculated using the single discount rate of 6.00%, as well as what the City's proportionate share of the net OPEB asset if it were calculated using a discount rate that is 1.0% point lower (5.00%) or 1.0°/o point higher (7.00%) than the current rate: Current 1% Decrease Discount 1% Increase (5.00%) Rate of 6.00% (7.00%) City's proportionate share of the net OPEB (asset) $ (675,748) $ (1,148,991) $ (1,541,893) Sensitivity of the City's Proportionate Share of the Net OPEB Asset to Changes in the Health Care Cost Trend Rate. Changes in the health care cost trend rate may also have a significant impact on the net OPEB asset. The following table presents the net OPEB asset calculated using the assumed trend rates, and the expected net OPEB asset if it were calculated using a health care cost trend rate that is 1.0°/o lower or 1.0°/o higher than the current rate. Retiree health care valuations use a health care cost-trend assumption that changes over several years built into the assumption. The near-term rates reflect increases in the current cost of health care; the trend starting in 2022 is 5.50%. If this trend continues for future years, the projection indicates that years from now virtually all expenditures will be for health care. A more reasonable alternative is that in the not- too-distant future, the health plan cost trend will decrease to a level at, or near, wage inflation. On this basis, the actuaries project premium rate increases will continue to exceed wage inflation for approximately the next decade, but by less each year, until leveling off at an ultimate rate, assumed to be 3.50% in the most recent valuation. Current Health Care Cost Trend Rate 1°/o Decrease Assumption 1% Increase City's proportionate share of the net OPEB (asset) $ (1,161,464) $ (1,148,991) $ (1,134,317) 65 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 11 - DEFINED BENEFIT OTHER POSTEMPLOYMENT BENEFITS—continued Actuarial Assumptions—OP&F OP&F's total OPEB liability as of December 31, 2021 is based on the results of an actuarial valuation date of January 1, 2021 and rolled forward using generally accepted actuarial procedures. The total OPEB liability is determined by OP&F's actuaries in accordance with GASB Statement No. 74, as part of their annual valuation. Actuarial valuations of an ongoing retirement plan involve estimates of the value of reported amounts and assumptions about probability of occurrence of events far into the future. Examples include assumptions about future employment mortality, salary increases, disabilities, retirements and employment terminations. Actuarially determined amounts are subject to continual review and potential modifications, as actual results are compared with past expectations and new estimates are made about the future. Projections of benefit for financial purposes are based on the substantive plan (the plan as understood by the employers and plan members) and include the types of benefits provided at the time of each valuation and the historical pattern of sharing benefit costs between the employers and plan members to that point. The projection of benefits for financial reporting purposes does not explicitly incorporate the potential effects of legal or contractual funding limitations. Actuarial calculations reflect a long-term perspective. For a newly hired employee, actuarial calculations will take into account the employee's entire career with the employer and also take into consideration the benefits, if any, paid to the employee after termination of employment until the death of the employee and applicable contingent annuitant. In many cases, actuarial calculations reflect several decades of service with the employer and the payment of benefits after termination. Key Methods and assumptions used in calculating the total OPEB liability in the latest actuarial valuation are presented below: Actuarial valuation date January 1, 2021, with actuarial liabilities rolled forward to December 31, 2021 Actuarial cost method Entry age normal Investment rate of return: Current measurement period 7.5% Prior measurement period 8.0% Projected salary increases 3.75%to 10.50% Payroll growth 3.25% Single discount rate: Current measurement period 2.84% Prior measurement period 2.96% Municipal bond rate: Current measurement period 2.05% Prior measurement period 2.12% Cost of living adjustments 2.2% simple per year 66 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 11 - DEFINED BENEFIT OTHER POSTEMPLOYMENT BENEFITS—continued Mortality for non-disabled participants is based on the RP-2014 Total Employee and Healthy Annuitant Mortality Tables rolled back to 2006, adjusted according to the rates in the following table, and projected with the Buck Modified 2016 Improvement Scale. Rates for surviving beneficiaries are adjusted by 120%. Age Police Fire 67 or less 77% 68% 68-77 105% 87% 78 and up 115% 120% Mortality for disabled retirees is based on the RP-2014 Disabled Mortality Tables rolled back to 2006, adjusted according to the rates in the following table, and projected with the Buck Modified 2016 Improvement Scale. Age Police Fire 59 or less 35°/a 35% 60-69 60% 45% 70-79 75% 70% 80 and up 100% 90% The most recent experience study was completed for the five-year period ended December 31, 2016. The long-term expected rate of return on OPEB plan investments was determined using a building-block approach and assumes a time horizon, as defined in OP&F's Statement of Investment Policy. A forecasted rate of inflation serves as a baseline for the return expected. Various real return premiums over the baseline inflation rate have been established for each asset class. The long-term expected nominal rate of return has been determined by calculating a weighted average of the expected real return premiums for each asset class, adding the projected inflation rate and adding the expected return from rebalancing uncorrelated asset classes. Best estimates of the long-term expected real rates of return for each major asset class included in OP&F's target asset allocation as of December 31, 2021 are summarized below: Long-Term Expected Target Real Rate Asset Class Allocation of Return Cash and cash equivalent 0.0% 0.00% Domestic equity 21.0% 3.60% Non-U.S. equity 14.0% 4.40°/a Private markets 8.0% 6.80% Core fixed income* 23.0% 1.10% High yield fixed income 7.0% 3.00% Private credit 5.0°/o 4.50% U.S. inflation linked bonds* 17.0% 0.80% Midstream energy infrastructure 5.0% 5.00% Real assets 8.0% 5.90% Gold 5.0% 2.40% Private real estate 12.0% 4.80% Total 125.00% Note:Assumptions are geometric. *Levered 2x 67 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 11 - DEFINED BENEFIT OTHER POSTEMPLOYMENT BENEFITS—continued OP&F's Board of Trustees has incorporated the risk parity concept into OP&F's asset liability valuation with the goal of reducing equity risk exposure, which reduces overall Total Portfolio risk without sacrificing return and creating a more risk-balanced portfolio based on their relationship between asset classes and economic environments. From the notional portfolio perspective above, the Total Portfolio may be levered up to 1.25 times due to the application of leverage in certain fixed income asset classes. Discount Rate. Total OPEB liability was calculated using the discount rate of 2.84%. The projection of cash flows used to determine the discount rate assumed the contributions from employers and from members would be computed based on contribution requirements as stipulated by state statute. Projected inflows from investment earnings were calculated using the longer-term assumed investment rate of return of 7.5%. Based on those assumptions, OP&F's fiduciary net position was projected to not be able to make all future benefit payment of current plan members. Therefore, a municipal bond rate of 2.05% at December 31, 2021 was blended with the long-term rate of 7.5°/o, which resulted in a blended discount rate of 2.84%. Sensitivity of the City's Proportionate Share of the Net OPEB Liability to Changes in the Discount Rate. Net OPEB liability is sensitive to changes in the discount rate, and to illustrate the potential impact, the following table presents the net OPEB liability calculated using the discount rate of 2.84%, as well as what the net OPEB liability would be if it were calculated using a discount rate that is 1% point lower (1.84%) and 1% point higher(3.84%)than the current discount rate. Current 1% Decrease Discount 1% Increase (1.84%) Rate of 2.84% (3.84%) City's proportionate share of the net OPEB liability $ 1,824,886 $ 1,451,753 $ 1,145,037 NOTE 12 -OTHER EMPLOYEE BENEFITS Deferred Compensation Plans City employees and elected officials have the option to participate in two independently-managed deferred compensation plans, both created in accordance with Internal Revenue Code Section 457. Participation is on a voluntary payroll deduction basis. According to the plans, the deferred compensation is not available until termination, retirement, death or an unforeseen emergency. Compensated Absences Accumulated Unpaid Vacation and Compensatory Time City employees earn vacation leave at varying rates based upon length of service. They may earn compensatory time at one and one-half times their regular rate of pay in lieu of overtime pay for all hours worked in excess of the 40-hour workweek. In the case of death or separation from employment, an employee (or their estate) is paid for any unused vacation or compensatory leave. The obligation for accrued unpaid vacation and compensatory time for the City as a whole amounted to $1,016,039 at December 31, 2022. 68 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 12 -OTHER EMPLOYEE BENEFITS—continued Accumulated Unpaid Sick Leave City employees earn sick leave at the rate of 10 hours a month. Sick leave is cumulative without limit. In the event of death or separation, a non-police employee (or their estate) is paid one-third of their accumulated sick leave up to a maximum of 1,200 hours. Police officers grandfathered per the contract beginning January 1, 1992 may convert their first 600 hours at one-half and an additional 600 hours at a one-to-one ratio. During the month of April, all other employees have the option to convert a maximum of 1,200 hours of sick leave to cash at a five-to-one ratio. This payout option requires an employee to retain a 240-hour sick leave balance. The obligation for accrued unpaid sick leave for the City as a whole amounted to$331,273 at December 31, 2022. NOTE 13 - RISK MANAGEMENT The City maintains comprehensive insurance coverage with private carriers for real property, building contents, vehicle, property and general liability insurance, property and general liability for the closed municipal landfill, police professional liability, and public officials' errors and omissions insurance. Vehicle policies include liability coverage for bodily injury and property damage. Claim payments have not exceeded coverage in the past three years. There was no decline in the level of coverage from the prior year. The City has established a medical self-insurance fund. The purpose of this fund is to pay medical claims of employees and their covered dependents and minimize the total cost of annual medical insurance to the City. Medical claims exceeding $75,000 per individual, $250,000 per lasered-individual, or$1,982,937 in the aggregate in a given year are covered through a private insurance carrier. The claims liability of$242,696 reported in the fund at December 31, 2022 is based on the requirements of GASB Statement No. 10 which requires that a liability for unpaid claims costs be reported if information prior to the issuance of the financial statements indicates that it is probable that a liability has been incurred at the date of the financial statements and the amount of the loss can be reasonably estimated. Liabilities include an amount for claims that have been incurred but not reported (IBNR). The estimate was not affected by incremental claim adjustment expenses and does not include other allocated or unallocated claim adjustment expenses. Changes in the fund's claims liability amount for the past two years were: 2022 2021 Unpaid claims, beginning of year $ 186,372 $ 187,550 Incurred claims (including IBNR) 2,173,076 2,418,585 Claim payments (2,116,752) (2,419,763) Unpaid claims, end of year $ 242,696 $ 186,372 69 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 14 - LONG-TERM LIABILITIES The following is a summary of changes during 2022 and balances for long-term liabilities of the City as of December 31, 2022 for governmental activities: Due Beginning Ending Within Balance Additions Reductions Balance One Year Governmental activities: General obligation bonds: 2019 Various Purpose Bonds $ 6,215,000 $ - $ 385,000 $ 5,830,000 $ 400,000 Unamortized premiums 474,726 - 22,606 452,120 - Compensated absences 823,177 614,080 497,536 939,721 579,235 Total $ 7,512,903 $ 614,080 $ 905,142 $ 7,221,841 $ 979,235 In 2019, the City issued $7,215,000 in various purpose general obligation bonds to refinance the $4,800,000 in 2018 bond anticipation notes and to finance construction of the Southpointe Roadway project. The bonds bear interest rates ranging from 2.50% to 4.00% and mature on December 1, 2042. The bonds will be repaid from the Aquatic Center and Southpointe TIF debt service funds. Compensated absences are generally liquidated from the General, Parking, and Street funds. Principal and interest requirements to retire the City's outstanding obligations at December 31, 2022 were: Governmental Activities Series 2019 Various Purpose Bonds Principal Interest Total 2023 $ 400,000 $ 214,325 $ 614,325 2024 410,000 202,325 612,325 2025 425,000 190,025 615,025 2026 435,000 177,275 612,275 2027 445,000 166,400 611,400 2028-2032 1,215,000 625,200 1,840,200 2033-2037 1,125,000 414,000 1,539,000 2038-2042 1,375,000 169,000 1,544,000 $ 5,830,000 $ 2,158,550 $ 7,988,550 70 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 14 - LONG-TERM LIABILITIES—continued The following is a summary of changes during 2022 and balances for long-term liabilities of the City as of December 31, 2022 for business-type activities: Due Beginning Ending Within Balance Additions Reductions Balance One Year Business-type activities: Refuse Fund: Landfill post-closure payable $ 819,452 $ - $ 117,996 $ 701,456 $ - Subtotal 819,452 - 117,996 701,456 - Compensated absences 441,163 133,843 167,415 407,591 165,722 Total $ 1,260,615 $ 133,843 $ 285,411 $ 1,109,047 $ 165,722 Compensated absences are liquidated from the Water, Sewer and Refuse funds. See Note 16 for more information on the landfill post-closure payable. NOTE 15 -TRANSFERS The City made the following transfers during 2022: Transfers In Transfers Out General Fund $ - $ 2,993,477 Fire and EMS Fund 20,000 - Parking Fund - 10,000 Oxford Area Trails Property Tax Fund - 1,035,000 Non-major governmental funds 4,324,102 305,625 $ 4,344,102 $ 4,344,102 The General fund makes transfers to other funds for general obligation bond retirement, operating costs, and for capital projects and equipment purchases. The Parking fund made transfers to the Parking Improvement fund for capital projects which are legal in accordance with the Ohio Revised Code. The Oxford Area Trails Property Tax fund made transfers to the Oxford Area Trails Capital Projects fund for capital improvements. Finally, several nonmajor special revenue and capital projects funds made transfers to nonmajor debt service funds for bond retirement. NOTE 16 - LANDFILL POST-CLOSURE CARE During 1986, the City stopped receiving refuse in its public landfill. State and federal laws and regulations require the City to permanently close the landfill and to perform certain maintenance and monitoring functions at the site for thirty years after closure. This amount is based on what it would cost to perform all future post-closure care in 1996. The Ohio Environmental Protection Agency officially certified the closure of the landfill in May 1996. The remaining post-closure liability recorded in the Refuse Fund is $701,456. However, the actual cost of post-closure care may be higher due to inflation, changes in technology, or changes in landfill laws and regulations. This liability will be paid from Refuse fund revenue. The reporting of the landfill closure and post-closure liability in the refuse fund follows the guidelines set by GASB Statement No. 18. 71 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 17 - FUND BALANCES Fund balance is classified as nonspendable, restricted, assigned and/or unassigned based primarily on the extent to which the City is bound to observe constraints imposed upon the use of the resources in the governmental funds. The constraints placed on fund balance for the major governmental funds and all other governmental funds are presented below: Oxford Coronavirus Other General Fire&EMS Parking Area Trails Local Fiscal Governmental Fund Fund Fund Property Tax Recovery Funds Total Fund Balances: Nonspendable: Inventory and prepaids $ 155,569 $ 9,713 $ 9,090 $ - $ - $ 214,534 $ 388,906 Restricted for: Fire&EMS operations - 1,834,184 - - - - 1,834,184 Life squad - - - - - 24,697 24,697 Law enforcement - - - - - 174,283 174,283 Community development - - - - - 726,768 726,768 Leisure time activities - - - 177,145 - - 177,145 Streets&highways - - - - - 738,933 738,933 Capital projects - - - - - 2,913,922 2,913,922 Total restricted - 1,834,184 - 177,145 - 4,578,603 6,589,932 Assigned to: Capital projects - - - - - 3,348,723 3,348,723 Capital equipment - - - - - 1,657,629 1,657,629 Parking capital projects - - - - - 134,535 134,535 Total assigned - - - - - 5,140,887 5,140,887 Unassigned 8,458,258 - 9( 9,187) - (34,191) (11,455) 8,313,425 Total fund balances $8,613,827 $1,843,897 $ 9( 0,097) $ 177,145 $ (34,191) $ 9,922,569 $20,433,150 NOTE 18 - RELATED ORGANIZATION The Mayor of Oxford, with approval of City Council, appoints the Board of Trustees of McCullough-Hyde Hospital, Inc. The City's accountability for the hospital does not extend beyond making the appointments. During 2022, the City made no contributions to the Hospital. 72 CITY OF OXFORD, OHIO Notes to the Financial Statements Year Ended December 31, 2022 NOTE 19 -COMMITTMENTS Contractual Commitments The City has active projects as of December 31, 2022 for building improvements, street improvements, equipment purchases and studies. The City has expended approximately $705,000 on these active projects with remaining commitments of approximately$2,515,000. Encumbrances Encumbrance accounting is utilized to the extent necessary to assure effective budgetary control and accountability and to facilitate effective cash planning and control. At year end, the amount of encumbrances outstanding was as follows: General Fund $ 72,373 Fire and EMS Fund 323,085 Parking Fund 9,665 Coronavirus Local Fiscal Recovery Fund 1,947,549 Other Governmental Funds 4,003,633 $ 6,356,305 NOTE 20 -CONTINGENT LIABILITIES Litigation The City is of the opinion that ultimate disposition of claims and legal proceedings will not have a material effect on the financial condition of the City. Federal and State Grants The City received federal and state grants for specific purposes that are subject to review and audit by grantor agencies or designee. Such audits could lead to a request for reimbursement to the grantor agency for expenditures disallowed under the terms of the grant. The City believes all expenditures meet grant qualifications. Asset Retirement Obligations Ohio Revised Code Section 6111.44 requires the City to submit any changes to their sewage treatment system to the Ohio Environmental Protection Agency (EPA) for approval. Through this permitting process, the City would be responsible to address any public safety issues associated with their sewage treatment facility and the permit would specify the procedures required to dispose of all or part of the sewage treatment plant. At this time, the City does not have an approved permit from the Ohio EPA to dispose of all or part of their sewage treatment plant. Due to a lack of specific legal requirements for retiring the sewage treatment plant, the City has determined that the amount of the asset retirement obligation cannot be reasonably estimated. 73 CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK 74 REQUIRED SUPPLEMENTARY I N FORMATION SECTION Schedules of Proportionate Share of Net Pension and OPEB Assets and Liabilities and Schedules of Contributions 75 CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK 76 CITY OF OXFORD Required Supplementary Information Schedule of City's Proportionate Share of the Net Pension Liability and City Pension Contributions Ohio Public Employees Retirement System-Traditional Pension Plan City's Proportionate Plan Fiduciary City's City's Share of the Net Net Position as a Proportion Proportionate City's Pension Liability as Percentage of the Measurement of the Net Share of the Net Covered a Percentage of its Total Pension Year(1)(2) Pension Liability Pension Liability Payroll Covered Payroll Liability 2014 0.039316% $ 4,634,844 $ 4,354,200 106.45% 86.36% 2015 0.039316% 4,741,949 4,820,183 98.38% 86.45% 2016 0.038381% 6,648,062 4,830,483 137.63% 81.08% 2017 0.036455% 8,278,290 4,795,233 172.64% 77.25% 2018 0.035950% 5,639,827 4,789,485 117.75% 84.66°/a 2019 0.036904% 10,107,197 5,037,129 200.65% 74.70% 2020 0.036578% 7,229,804 5,103,250 141.67% 82.17% 2021 0.036509% 5,406,204 5,053,757 106.97% 86.88% 2022 0.037497% 3,262,404 5,415,543 60.24% 92.62% Contributions in Relation to the Contributions Contractually Contractually Contribution City's as a Percentage Calendar Required Required Deficiency Covered of Covered Year Contributions Contributions (Excess) Payroll Payroll 2013 $ 566,046 $ (566,046) $ - $ 4,354,200 13.00% 2014 578,422 (578,422) - 4,820,183 12.00% 2015 579,658 (579,658) - 4,830,483 12.00% 2016 575,428 (575,428) - 4,795,233 12.00% 2017 622,633 (622,633) - 4,789,485 13.00% 2018 705,198 (705,198) - 5,037,129 14.00% 2019 714,455 (714,455) - 5,103,250 14.00% 2020 707,526 (707,526) - 5,053,757 14.00% 2021 758,176 (758,176) - 5,415,543 14.00% 2022 794,832 (794,832) - 5,677,371 14.00% (1) Information prior to 2014 is not available.The City will continue to present information for years available until a full ten-year trend is compiled. (2)Amounts presented for each year were determined as of the City's measurement date,which is the prior year-end. Notes to Schedule: Change in assumptions. In 2017, changes in assumptions were made based upon an updated experience study that was completed for the five-year period ended December 31, 2015. Significant changes included a reduction of the discount rate from 8.0%to 7.5%, a reduction in the wage inflation rate from 3.75%to 3.25%, and transition from the RP-2000 mortality tables to the RP-2014 mortality tables. In 2019, a reduction of the discount rate was made from 7.5%to 7.2%. In 2022, changes in assumptions were made based upon an updated experience study that was completed for the five- year period ended December 31, 2020. Significant changes included a reduction of the discount rate from 7.2%to 6.9%, a reduction in wage inflation from 3.25%to 2.75%, and transition from RP-2014 mortality tables to Pub-2010 mortality tables. 77 CITY OF OXFORD Required Supplementary Information Schedule of City's Proportionate Share of the Net Pension Liability and City Pension Contributions Ohio Police and Fire Pension Fund City's Proportionate Plan Fiduciary City's City's Share of the Net Net Position as a Proportion Proportionate City's Pension Liability as Percentage of the Measurement of the Net Share of the Net Covered a Percentage of its Total Pension Year(1)(2) Pension Liability Pension Liability Payroll Covered Payroll Liability 2014 0.096572% $ 4,703,365 $ 1,874,491 250.91% 73.00% 2015 0.096572% 5,002,838 1,985,010 252.03% 71.71% 2016 0.101441% 6,525,772 2,165,660 301.33% 66.77% 2017 0.103329% 6,544,766 2,336,516 280.11% 68.36% 2018 0.121097% 7,432,290 2,782,494 267.11% 70.91% 2019 0.128696% 10,505,028 3,062,125 343.06% 63.07% 2020 0.134769% 9,078,775 3,366,217 269.70% 69.89% 2021 0.126247% 8,606,365 3,253,474 264.53% 70.65% 2022 0.132449% 8,274,636 3,553,579 232.85% 75.03% Contributions in Relation to the Contributions Contractually Contractually Contribution City's as a Percentage Calendar Required Required Deficiency Covered of Covered Year Contributions Contributions (Excess) Payroll Payroll 2013 $ 320,163 $ (320,163) $ - $ 1,874,491 17.08% 2014 404,148 (404,148) - 1,985,010 20.36% 2015 435,081 (435,081) - 2,165,660 20.09% 2016 469,406 (469,406) - 2,336,516 20.09% 2017 559,003 (559,003) - 2,782,494 20.09% 2018 615,181 (615,181) - 3,062,125 20.09% 2019 676,273 (676,273) - 3,366,217 20.09% 2020 653,623 (653,623) - 3,253,474 20.09% 2021 713,914 (713,914) - 3,553,579 20.09% 2022 788,430 (788,430) - 3,924,490 20.09% (1) Information prior to 2014 is not available. The City will continue to present information for years available until a full ten-year trend is compiled. (2)Amounts presented for each year were determined as of the City's measurement date,which is the prior year-end. Notes to Schedule: Change in assumptions. In 2018, changes in assumptions were made based upon an updated experience study that was completed for the five-year period ended December 31, 2016. Significant changes included a reduction of the discount rate from 8.25%to 8.0%, a reduction in the wage inflation rate from 3.75%to 3.25%, and transition from the RP-2000 mortality tables to the RP-2014 mortality tables. In 2022, the single discount rate changed from 8.0%to 7.5%. 78 CITY OF OXFORD Required Supplementary Information Schedule of City's Proportionate Share of the Net OPEB Liability/(Asset) and City OPEB Contributions Ohio Public Employees Retirement System City's Proportionate Plan Fiduciary City's City's Share of the Net OPEB Net Position as a Proportion Proportionate Share City's Liability/(Asset)as Percentage of the Measurement of the Net OPEB of the Net OPEB Covered a Percentage of its Total OPEB Year(1)(2) Liability/(Asset) Liability/(Asset) Payroll Covered Payroll Liability 2017 0.037134% $ 3,750,616 $ 4,795,233 78.22% 54.05% 2018 0.036377% 3,950,252 4,789,485 82.48% 54.14% 2019 0.037254% 4,856,999 5,037,129 96.42% 46.33% 2020 0.036612% 5,056,999 5,103,250 99.09% 47.80% 2021 0.035915% (639,856) 5,053,757 (12.66%) 115.57% 2022 0.036684% (1,148,991) 5,415,543 (21.22%) 128.23% Contributions in Relation to the Contributions Contractually Contractually Contribution City's as a Percentage Calendar Required Required Deficiency Covered of Covered Year Contributions Contributions (Excess) Payroll Payroll 2013 $ 43,542 $ (43,542) $ - $ 4,354,200 1.00% 2014 96,404 (96,404) - 4,820,183 2.00% 2015 96,610 (96,610) - 4,830,483 2.00% 2016 95,905 (95,905) - 4,795,233 2.00% 2017 51,724 (51,724) - 4,789,485 1.00% 2018 10,751 (10,751) - 5,037,129 0.21% 2019 11,007 (11,007) - 5,103,250 0.22% 2020 9,063 (9,063) - 5,053,757 0.18% 2021 5,530 (5,530) - 5,415,543 0.10% 2022 6,521 (6,521) - 5,677,371 0.11% (1) Information prior to 2017 is not available.The City will continue to present information for years available until a full ten-year trend is compiled. (2)Amounts presented for each year were determined as of the City's measurement date,which is the prior year-end Notes to Schedule: Change in assumptions. In 2018, the single discount rate changed from 4.23%to 3.85%. In 2019,the single discount rate changed from 3.85%to 3.96%, the investment rate of return changed from 6.50%to 6.00%, and the health care cost trend rate changed from 7.5% initial to 10.0% initial. In 2020,the single discount rate changed from 3.96%to 3.16%and the health care cost trend rate changed from 10.0% initial, 3.25% ultimate in 2028 to 10.5% initial, 3.50% ultimate in 2030. In 2021,the single discount rate changed from 3.16%to 6.00%and the health care cost trend rate changed from 10.5% initial, 3.50% ultimate in 2030 to 8.5°/o initial, 3.50% ultimate in 2035. In 2022, changes in assumptions were made based upon an updated experience study that was completed for the five-year period ended December 31, 2020. Significant changes included a reduction in wage inflation from 3.25%to 2.75%, and transition from RP-2014 mortality tables to Pub-2010 mortality tables. 79 CITY OF OXFORD Required Supplementary Information Schedule of City's Proportionate Share of the Net OPEB Liability and City OPEB Contributions Ohio Police and Fire Pension Fund City's Proportionate Plan Fiduciary City's City's Share of the Net Net Position as a Proportion Proportionate City's OPEB Liability as Percentage of the Measurement of the Net Share of the Net Covered a Percentage of its Total OPEB Year(1) (2) OPEB Liability OPEB Liability Payroll Covered Payroll Liability 2017 0.103329% $ 4,904,803 $ 2,336,516 209.92% 15.96% 2018 0.121097% 6,861,206 2,782,494 246.58% 14.13% 2019 0.128696% 1,171,978 3,062,125 38.27% 46.57% 2020 0.134769% 1,331,215 3,366,217 39.55% 47.08% 2021 0.126247% 1,337,607 3,253,474 41.11% 45.42% 2022 0.132449% 1,451,753 3,553,579 40.85% 46.90% Contributions in Relation to the Contributions Contractually Contractually Contribution City's as a Percentage Calendar Required Required Deficiency Covered of Covered Year Contributions Contributions (Excess) Payroll Payroll 2013 $ 63,938 $ (63,938) $ - $ 1,874,491 3.41% 2014 10,644 (10,644) - 1,985,010 0.54% 2015 11,376 (11,376) - 2,165,660 0.53% 2016 12,111 (12,111) - 2,336,516 0.52% 2017 14,079 (14,079) - 2,782,494 0.51% 2018 15,347 (15,347) - 3,062,125 0.50% 2019 16,814 (16,814) - 3,366,217 0.50% 2020 16,239 (16,239) - 3,253,474 0.50% 2021 17,743 (17,743) - 3,553,579 0.50% 2022 19,459 (19,459) - 3,924,490 0.50% (1) Information prior to 2017 is not available. The City will continue to present information for years available until a full ten-year trend is compiled. (2)Amounts presented for each year were determined as of the City's measurement date, which is the prior year-end. Notes to Schedule: Change in assumptions. In 2018, the single discount rate changed from 3.79%to 3.24%. In 2019,the single discount rate changed from 3.24%to 4.66%. In 2020,the single discount rate changed from 4.66%to 3.56%. In 2021,the single discount rate changed from 3.56%to 2.96%. In 2022,the single discount rate changed from 2.96%to 2.84%. Change in benefit terms. Beginning January 1, 2019, OP&F changed its retiree health care model to a stipend-based health care model, depositing stipends into individual health reimbursements accounts that retirees will use to be reimbursed for health care expenses. 80 SUPPLEMENTAL SECTION Combining Statements and Individual Fund Statements 81 CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK a2 LISTING OF CITY FUNDS During 2022, the City had 35 funds for reporting purposes, as follows: GENERAL FUND (1 ) The General Fund is used to account for all financial resources traditionally associated with governments, except those required to be accounted for in another fund. SPECIAL REVENUE FUNDS (17) Special Revenue Funds are used to account for financial resources for which specific uses are mandated by City ordinances or Federal and State statutes. Major Special Revenue Funds: Fire and EMS Fund—To account for fire and emergency medical services. Parkinq Fund — To account for operation of parking control activities within the City, funded by revenues from meter collections, garage fees and fines. Oxford Area Trails Property Tax Fund— To account for the collection of property taxes levied for Oxford Area Trail. Coronavirus Local Fiscal Recovery Fund — To account for monies received from the Federal American Rescue Plan Act (ARPA) program and costs associated with the additional response to the COVID-19 pandemic. Non-major Special Revenue Funds: Street Fund — Required by State law to account for that portion of the gasoline tax and motor vehicle license fees designated for maintenance of streets within the City. State Hiphway Fund— Required by State law to account for that portion of the gasoline tax and motor vehicle license fees designated for maintenance of state highways within the City. Communitv Development Block Grant Fund — To account for monies received from the federal government under the Community Development Block Grant Program. Community Development Block Grant Loan Fund — To account for monies received from the federal government under the Community Development Block Grant Program. The monies are used for economic development loans. Law Enforcement Fund — To account for monies received from the State for purposes of drug enforcement. Enforcement and Education Fund— To account for monies received from the State for purposes of law enforcement and education. Life Spuad Fund — To account for contributions from private sources for the purpose of improving life squad services in the City and surrounding area. 83 Housinp Trust Fund-To account for monies donated toward the education and promotion of the awareness of affordable housing. Special Assessment Fund — To accumulate special assessment revenues collected by the County Treasurer and remitted to the City by the County Auditor for payment of assessment liens. OVI Task Force Fund — To account for Federal monies channeled through the State for OVI check points. Southpointe TIF District Fund—To account for the collection of payments in lieu of taxes from the Southpoint tax increment financing district and residential improvement districts for improvements and debt repayment. Local Coronavirus Relief Fund — To account for monies received from the Federal CARES Act program and costs associated with the response to the COVID-19 pandemic. OneOhio Opioid Settlement Fund — To account for monies received from the State's OneOhio Opioid Settlement with pharmaceutical companies for opioid treatment and prevention. DEBT SERVICE FUNDS (2) The Debt Service Funds are used to account for the accumulation of resources for, and the payment of, general long-term debt principal and interest. Non-major Debt Service Funds: Aquatic Center Debt Service Fund — To account for monies transferred in from other governmental funds for the retirement of the Series 2018 Bond Anticipation Notes and related future bond issuances. Southpointe TIF Debt Service Fund— To account for monies transferred in from the Southpointe TIF special revenue funds for the retirement of the Series 2019 Various Purpose General Obligation Bonds. CAPITAL PROJECTS FUNDS (7) The Capital Projects Funds are used to account for financial resources used for the acquisition or construction of major capital facilities. Non-major Capital Projects Funds: Capital Epuipment Fund — To account for financial resources used for the acquisition of equipment. Capital Improvement Fund — To account for financial resources for the acquisition or construction of various capital projects. Parkinp Improvement Fund — To account for financial resources used for the acquisition, construction, or improvement to municipal parking lots and garage. Municipal Facilities Capital Improvement Fund— To account for financial resources used for the acquisition, construction, or improvement for acquired or existing municipal facilities. Oxford Area Trails Capital Improvement Fund — To account for financial resources used to construct recreational trails. 84 Apuatic Center Capital Improvement Fund — To account for financial resources used for the construction of the City's aquatic center project. Hiph St. Pedestrian Safety Capital Improvement Fund— To account for financial resources used for the construction and improvement for High Street pedestrian safety. ENTERPRISE FUNDS (4) Enterprise Funds are established to account for operations where the intent of the City is that the costs of providing goods or services on a continuing basis be recovered primarily through user charges. Enterprise Funds: Water Fund—To account for the provision of water service to the City and surrounding areas. Sewer Fund— To account for the provision of sanitary sewer service to the City and surrounding areas. Refuse Fund—To account for the provision of refuse collection and disposal services to the City as well as costs associated with the municipal landfill post-closure monitoring. Storm Water Fund—To account for the provision of operation of the City's storm water utility. INTERNAL SERVICE FUNDS (2) The Internal Service Funds are used to account for the financing of services provided by one department to other departments of the City, on a cost-reimbursement basis. Employee Benefits Fund—To accumulate monies for the payment of employee health insurance, life insurance and medical claims under a self-insured plan. The City charges departments for insurance and pays actual claims, administrative costs, and insurance premiums from this fund. Internal Service Fund — To account for financing of services provided by one department to another department for postage, gasoline and copies. CUSTODIAL FUNDS (2) Custodial funds are used to account for assets held in a fiscal agent capacity. Hotel Tax Fund— Used as a clearing fund for guest tax revenues collected by the City from hotels within the City for the benefit of Enjoy Oxford, formerly Oxford Visitors Bureau. eoard of Buildinq Standards Fund—To account for monies received on building permits which will be disbursed to the State of Ohio. 85 CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK 86 CITY OF OXFORD, OHIO Combining Balance Sheet Nonmajor Governmental Funds December 31, 2022 Nonmajor Nonmajor Total Special Nonmajor Capital Nonmajor Revenue Debt Projects Governmental Funds Services Funds Funds Assets: Equity in pooled cash and investments $ 2,004,646 $ - $ 7,097,293 $ 9,101,939 Receivables: Taxes 3,710 - - 3,710 Special assessments 684,703 - - 684,703 Loans 201,588 - - 201,588 Interest 864 - - 864 Intergovernmental 354,129 - - 354,129 Payments in lieu of taxes 332,322 - - 332,322 Materials and supplies inventory 214,534 - - 214,534 Advances to other funds - - 660,000 660,000 Total assets $ 3,796,496 $ - $ 7,757,293 $ 11,553,789 Liabilities, Deferred Inflows of Resources and Fund Balances: Liabilities: Accounts payable $ 33,621 $ - $ 12,382 $ 46,003 Accrued salaries 20,808 - 897 21,705 Intergovernmental payable 16,685 - 618 17,303 Compensated absences payable 5,951 - - 5,951 Advances from other funds 9,004 - - 9,004 Totalliabilities 86,069 - 13,897 99,966 Deferred Inflows of Resources: Payments in lieu of taxes budgeted for next year 332,322 - - 332,322 Unavailable revenue 1,198,932 - - 1,198,932 Total deferred inflows of resources 1,531,254 - - 1,531,254 Fund balances: Nonspendable 214,534 - - 214,534 Restricted 1,976,094 - 2,602,509 4,578,603 Assigned - - 5,140,887 5,140,887 Unassigned (11,455) - - (11,455) Total fund balances 2,179,173 - 7,743,396 9,922,569 Total liabilities, deferred inflows of resources and fund balances $ 3,796,496 $ - $ 7,757,293 $ 11,553,789 87 CITY OF OXFORD, OHIO Combining Balance Sheet Nonmajor Special Revenue Funds December 31, 2022 Community Community Development State Development Block Grant Law Street Highway Block Grant Loan Enforcement Assets: Equity in pooled cash and investments $ 674,465 $ 94,529 $ 39,000 $ 571,511 $ 47,451 Receivables: Taxes - - - - - Special assessments - - - - - Loans - - - 201,588 - Interest - - - 864 - Intergovernmental 185,885 15,072 129,000 - 1,927 Payments in lieu of taxes - - - - - Materials and supplies inventory 214,534 - - - - Total assets $ 1,074,884 $109,601 $ 168,000 $ 773,963 $ 49,378 Liabilities, Deferred Inflows of Resources and Fund Ba/ances: Liabilities: Accounts payable $ 18,839 $ - $ - $ - $ 2,435 Accrued salaries 20,808 - - - - Intergovernmental payable 16,685 - - - - Compensated absences payable 5,951 - - - - Advances from other funds - - - - - Totalliabilities 62,283 - - - 2,435 Deferred Inf/ows of Resources: Payments in lieu of taxes budgeted for next year - - - - - Unavailable revenue 156,080 12,655 129,000 202,218 1,927 Total deferred inflows of resources 156,080 12,655 129,000 202,218 1,927 Fund Balances: Nonspendable 214,534 - - - - Restricted 641,987 96,946 39,000 571,745 45,016 Unassigned (deficit) - - - - - Total fund balances 856,521 96,946 39,000 571,745 45,016 Total liabilities, deferred inflows of resources and fund balances $ 1,074,884 $109,601 $ 168,000 $ 773,963 $ 49,378 88 Total Local OneOhio Nonmajor Enforcement Coronavirus Opioid Special and Life Housing Special OVI Task Southpointe Relief Settlement Revenue Education Squad Trust Assessment Force TIF Fund Fund Funds $ 122,372 $24,697 $ 2,781 $ 109,532 $ - $ 311,413 $ - $ 6,895 $ 2,004,646 - - 3,710 - - - - - 3,710 - - - 684,703 - - - - 684,703 - - - - - - - - 201,588 - - - - - - - - 864 - - - - 22,245 - - - 354,129 - - - - - 332,322 - - 332,322 - - - - - - - - 214,534 $ 122,372 $24,697 $ 6,491 $ 794,235 $ 22,245 $ 643,735 $ - $ 6,895 $ 3,796,496 $ - $ - $ - $ - $ 12,347 $ - $ - $ - $ 33,621 - - - - - - - - 20,808 - - - - - - - - 16,685 - - - - - - - 5,951 - - - - 9,004 - - - 9,004 - - - - 21,351 - - - 86,069 - - - - - 332,322 - - 332,322 - - - 684,703 12,349 - - - 1,198,932 - - - 684,703 12,349 332,322 - - 1,531,254 - - - - - - - - 214,534 122,372 24,697 6,491 109,532 - 311,413 - 6,895 1,976,094 - - - - 11,455 - - - (11,455) 122,372 24,697 6,491 109,532 11,455 311,413 - 6,895 2,179,173 $ 122,372 $24,697 $ 6,491 $ 794,235 $ 22,245 $ 643,735 $ - $ 6,895 $ 3,796,496 89 CITY OF OXFORD, OHIO Combining Balance Sheet Nonmajor Debt Service Funds December 31, 2022 Total Aquatic Southpointe Nonmajor Center TIF Debt Debt Debt Service Service Service Funds Assets: Equity in pooled cash and investments $ - $ - $ - Fund Balances: Assigned $ - $ - $ - 90 CITY OF OXFORD,OHIO Combining Balance Sheet Nonmajor Capital Projects Funds December 31,2022 High St. Total Municipal Oxford Aquatic Southpointe Pedestrian Nonmajor Facilities Area Trails Center TIF Safety Capital Capital Capital Parking Capital Capital Capital Capital Capital Project Equipment Improvement Improvement Improvement Improvement Improvement Improvement Improvement Funds Assets: Equity in pooled cash and investments $ 1,658,229 $ 2,428,457 $ 134,535 $ 272,048 $ 2,592,020 $ 12,004 $ - $ - $ 7,097,293 Advances to other funds 66Q000 660,000 Total assets $ 1,658,229 $ 3,085,457 $ 134,535 $ 272,048 $ 2,592,020 $ 12,004 $ - $ - $ 7,757,293 Liabilities and Fund Balances: Liabilities: Accounts payable $ 600 $ 11,782 $ - $ - $ - $ - $ - $ - $ 12,382 Accrued salaries - - - - 897 - - - 897 Intergovernmental payable - - - - 618 - - - 618 Total liabilities 600 11,782 1,515 13,897 Fund Balances: Restricted - - - - 2,590,505 12,004 - - 2,602,509 Assigned 1,657,629 3,076,675 134,535 272,048 - - - - 5,140,887 Total fund balances 1,657,629 3,076,675 134,535 272,048 2,590,505 12,004 7,743,396 Total liabilities,deferred inflows of resources and fund balances $ 1,658,229 $ 3,085,457 $ 134,535 $ 272,048 $ 2,592,020 $ 12,004 $ - $ - $ 7,757,293 91 CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK 92 CITY OF OXFORD, OHIO Combining Statement of Revenues, Expenditures and Changes in Fund Balance Nonmajor Governmental Funds Year Ended December 31, 2022 Nonmajor Nonmajor Total Special Nonmajor Capital Nonmajor Revenue Debt Projects Governmental Funds Services Funds Funds Revenues: Property and other taxes $ 6,474 $ - $ - $ 6,474 Intergovernmental 982,157 - 475,861 1,458,018 Charges for services 24,151 - - 24,151 Fines, costs and forfeitures 3,450 - - 3,450 Special assessments 111,829 - - 111,829 Payments in lieu of taxes 361,508 - - 361,508 Interest 606 - 58 664 Contributions 22 - 18,525 18,547 Other 68,009 - - 68,009 Total revenues 1,558,206 - 494,444 2,052,650 Expenditures: Current: Security of persons and property 221,760 - - 221,760 Community and economic development 223,778 - - 223,778 Transportation 973,801 - - 973,801 General government 348,936 - 31,892 380,828 Capital outlay 166,552 - 1,825,454 1,992,006 Debt service: Principal retirement - 385,000 - 385,000 Interest and fiscal charges - 225,875 - 225,875 Total expenditures 1,934,827 610,875 1,857,346 4,403,048 Excess of expenditures over revenues (376,621) (610,875) (1,362,902) (2,350,398) Other financing sources (uses): Transfers in 561,960 610,875 3,151,267 4,324,102 Transfers out (305,625) - - (305,625) Total otherfinancing sources (uses) 256,335 610,875 3,151,267 4,018,477 Net change in fund balance (120,286) - 1,788,365 1,668,079 Fund balance at beginning of year 2,299,459 - 5,955,031 8,254,490 Fund balance at end of year $ 2,179,173 $ - $ 7,743,396 $ 9,922,569 93 CITY OF OXFORD, OHIO Combining Statement of Revenues, Expenditures and Changes in Fund Balance Nonmajor Special Revenue Funds Year Ended December 31, 2022 Community Community Development State Development Block Grant Law Street Highway Block Grant Loan Enforcement Revenues: Property and other taxes $ - $ - $ - $ - $ - Intergovernmental 431,861 30,713 112,778 - 3,750 Charges for services 24,151 - - - - Fines, costs and forfeitures - - - - 3,325 Special assessments - - - - - Payments in lieu of taxes - - - - - Interest 5,329 599 - (10,361) 351 Contributions - - - - - Other 44,818 - - 19,980 3,211 Total revenues 506,159 31,312 112,778 9,619 10,637 Expenditures: Current: Security of persons and property - - - - 15,343 Community and economic development - - 223,778 - - Transportation 973,503 298 - - - General government - - - - - Capital outlay 166,552 - - - - Total expenditures 1,140,055 298 223,778 - 15,343 Excess(deficiency)of revenues over(under)expenditures (633,896) 31,014 (111,000) 9,619 (4,706) Other financing sources(uses): Transfers in 511,960 - - - - Transfers out - - - - - Total otherfinancing sources(uses) 511,960 - - - - Net change in fund balance (121,936) 31,014 (111,000) 9,619 (4,706) Fund balance at beginning of year 978,457 65,932 150,000 562,126 49,722 Fund balance at end of year $ 856,521 $ 96,946 $ 39,000 $ 571,745 $ 45,016 94 Total Local OneOhio Nonmajor Enforcement Coronavirus Opioid Special and Life Housing Special OVI Task Southpointe Relief Settlement Revenue Education Squad Trust Assessment Force TIF Fund Fund Funds $ - $ - $ 6,474 $ - $ - $ - $ - $ - $ 6,474 14,378 - - - 181,810 - 200,000 6,867 982,157 - - - - - - - - 24,151 125 - - - - - - - 3,450 - - - 111,829 - - - - 111,829 - - - - - 361,508 - - 361,508 954 181 10 1,754 - 2,825 (1,064) 28 606 - 22 - - - - - - 22 - - - - - - - - 68,009 15,457 203 6,484 113,583 181,810 364,333 198,936 6,895 1,558,206 20,878 - - - 185,539 - - - 221,760 - - - - - - - - 223,778 - - - - - - - - 973,801 - - - 150,000 - - 198,936 - 348,936 - - - - - - - - 166,552 20,878 - - 150,000 185,539 - 198,936 - 1,934,827 (5,421) 203 6,484 (36,417) (3,729) 364,333 - 6,895 (376,621) - - - 50,000 - - - - 561,960 - - - - - (305,625) - - (305,625) - - - 50,000 - (305,625) - - 256,335 (5,421) 203 6,484 13,583 (3,729) 58,708 - 6,895 (120,286) 127,793 24,494 7 95,949 (7,726) 252,705 - - 2,299,459 $ 122,372 $ 24,697 $ 6,491 $ 109,532 $ (11,455) $ 311,413 $ - $ 6,895 $ 2,179,173 95 CITY OF OXFORD, OHIO Combining Statement of Revenues, Expenditures and Changes in Fund Balance Nonmajor Debt Service Funds Year Ended December 31, 2022 Total Aquatic Southpointe Nonmajor Center TIF Debt Debt Debt Service Service Service Funds Expenditures: Debt service: Principal retirement $ 140,000 $ 245,000 $ 385,000 Interest and fiscal charges 165,250 60,625 225,875 Total expenditures 305,250 305,625 610,875 Excess of expenditures over revenues (305,250) (305,625) (610,875) Other financing sources Transfers in 305,250 305,625 610,875 Net change in fund balance - - - Fund balance at beginning of year - - - Fund balance at end of year $ - $ - $ - 96 CITY OF OXFORD,OHIO Combining Statement of Revenues,Expenditures and Changes in Fund Balance Nonmajor Capital Projects Funds Year Ended December 31,2022 High St. Total Municipal Oxford Aquatic Pedestrian Nonmajor Facilities Area Trails Center Safety Capital Capital Capital Parking Capital Capital Capital Capital Project Equipment Improvement Improvement Improvement Improvement Improvement Improvement Funds Revenues: Intergovernmental $ - $ 392,384 $ - $ - $ - $ - $ 83,477 $ 475,861 Interest - - - - - - 58 58 Contri butions 1,525 17,000 18,525 Total revenues 1,525 409,384 83,535 494,444 Expenditures: Current: General government - - - - 31,892 - 31,892 Capital outlay 72,309 1,164,670 19,750 - 261,727 - 306,998 1,825,454 Total expenditures 72,309 1,164,670 19,750 - 293,619 - 306,998 1,857,346 Excess(deficiency)of revenues over(under)expenditures (70,784) (755,286) (19,750) - (293,619) - (223,463) (1,362,902) Other financing sources: Transfers in 894,465 1,211,802 10,000 1,035,000 3,151,267 Net change in fund balance 823,681 456,516 (9,750) - 741,381 - (223,463) 1,788,365 Fund balance at beginning of year 833,948 2,620,159 144,285 272,048 1,849,124 12,004 223,463 5,955,031 Fund balance at end of year $ 1,657,629 $ 3,076,675 $ 134,535 $ 272,048 $ 2,590,505 $ 12,004 $ - $ 7,743,396 97 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis General Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Property and other taxes $ 1,516,159 $ 1,630,535 $ 1,615,957 $ (14,578) Income taxes 8,673,150 9,514,065 9,539,156 25,091 Intergovernmental 629,869 629,869 729,204 99,335 Charges for services 816,630 848,082 1,021,522 173,440 Fines, costs and forfeitures 174,400 174,400 209,438 35,038 Licenses, permits and inspections 495,000 495,000 420,652 (74,348) Interest 60,273 60,273 102,047 41,774 Contributions 10,000 10,000 10,957 957 Other 165,500 203,000 192,776 (10,224) Total revenues 12,540,981 13,565,224 13,841,709 276,485 Expenditures: Current: General government Management information systems Other 166,416 190,102 173,328 16,774 City Manager Personal services 153,489 153,593 153,602 (9) Other 9,732 9,732 6,579 3,153 Total City Manager 163,221 163,325 160,181 3,144 Finance department Personal services 188,790 192,773 192,773 - Other 122,493 122,493 115,152 7,341 Total finance department 311,283 315,266 307,925 7,341 Income tax collections Other 360,195 560,195 444,826 115,369 Total income tax collections 360,195 560,195 444,826 115,369 Law Other 168,903 168,903 127,447 41,456 Totallaw 168,903 168,903 127,447 41,456 Civil service and personnel Personal services 286,570 288,993 288,993 - Other 75,890 75,890 50,464 25,426 Total civil service and personnel $ 362,460 $ 364,883 $ 339,457 $ 25,426 (Continued) 98 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis General Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Expenditures (continued): Current(continued): General government(continued) Clerk of Council Personal services $ 92,345 $ 92,345 $ 90,462 $ 1,883 Other 13,350 16,350 10,740 5,610 Total Clerk of Council 105,695 108,695 101,202 7,493 Legislative Personal services 27,229 27,229 27,026 203 Other 15,377 15,377 7,514 7,863 Totallegislative 42,606 42,606 34,540 8,066 Municipal building Personal services 109,634 103,124 79,683 23,441 Other 62,710 62,710 60,386 2,324 Total municipal building 172,344 165,834 140,069 25,765 City garage Personal services 111,738 111,738 104,448 7,290 Other 33,833 33,833 21,678 12,155 Total city garage 145,571 145,571 126,126 19,445 Court house Other 41,398 41,398 19,774 21,624 Engineering Personal services 130,160 131,743 119,588 12,155 Other 67,365 65,782 43,012 22,770 Total engineering 197,525 197,525 162,600 34,925 Contingency Personal services 20,000 14,600 - 14,600 Other 20,000 17,000 - 17,000 Total contingency 40,000 31,600 - 31,600 Total general government $ 2,277,617 $ 2,495,903 $ 2,137,475 $ 358,428 (Continued) 99 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis General Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Expenditures (continued): Current(continued): Security of persons and property Police law enforcement Personal services $ 4,928,758 $ 4,928,758 $ 4,715,256 $ 213,502 Other 983,806 983,806 969,102 14,704 Total police law enforcement 5,912,564 5,912,564 5,684,358 228,206 Traffic control Personal services 44,712 44,712 43,851 861 Other 45,290 45,290 41,179 4,111 Total traffic control 90,002 90,002 85,030 4,972 Street lighting Other 93,891 93,891 46,823 47,068 Total security of persons and property 6,096,457 6,096,457 5,816,211 280,246 Public heath services Cemeteries Other 15,000 15,000 13,391 1,609 Public health Other 6,600 6,600 6,582 18 Community assistance Other 145,174 169,647 159,874 9,773 Total public health services 166,774 191,247 179,847 11,400 Leisure time activities Senior citizens and community center Other 22,500 22,500 13,729 8,771 Swimming pool Personal services 188,256 188,256 155,476 32,780 Other 89,154 89,234 89,234 - Total swimming pool $ 277,410 $ 277,490 $ 244,710 $ 32,780 (Continued) 100 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis General Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Expenditures (continued): Current(continued): Leisure time activities (continued) Recreation programs Personal services $ 799,128 $ 826,358 $ 759,435 $ 66,923 Other 308,950 308,869 297,166 11,703 Total recreation programs 1,108,078 1,135,227 1,056,601 78,626 Parks maintenance Personal services 325,203 325,203 301,420 23,783 Other 135,772 135,772 112,180 23,592 Total parks maintenance 460,975 460,975 413,600 47,375 Total leisure time activities 1,868,963 1,896,192 1,728,640 167,552 Community and economic development Planning department Personal services 318,905 332,506 332,506 - Other 180,855 180,855 144,505 36,350 Total planning department 499,760 513,361 477,011 36,350 Inspections Personal services 173,844 173,950 173,950 - Other 174,300 211,800 108,148 103,652 Total inspections 348,144 385,750 282,098 103,652 Affordable housing Other 8,600 8,600 8,600 - Urban forestry Other 32,500 32,500 32,209 291 Economic development Personal services 181,823 173,518 160,539 12,979 Other 22,433 22,433 14,471 7,962 Total economic development 204,256 195,951 175,010 20,941 Totalcommunityandeconomicdevelopment 1,093,260 1,136,162 974,928 161,234 Total expenditures 11,503,071 11,815,961 10,837,101 978,860 Excess of revenues over expenditures $ 1,037,910 $ 1,749,263 $ 3,004,608 $ 1,255,345 (Continued) 101 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis General Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Other financing sources (uses): Advances in $ 3,527,837 $ 3,927,837 $ 3,927,837 $ - Advances out (3,527,837) (3,927,837) (3,927,837) - Transfers in 156,904 171,282 171,282 - Transfers out (1,393,477) (2,993,477) (2,993,477) - Total other financing sources(uses) (1,236,573) (2,822,195) (2,822,195) - Net change in fund balance (198,663) (1,072,932) 182,413 $ 1,255,345 Fund balance, beginning of year 8,155,977 8,155,977 8,155,977 Prior year encumbrances appropriated 198,663 198,663 198,663 Fund balance, end of year $ 8,155,977 $ 7,281,708 $ 8,537,053 102 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis Fire and EMS Major Special Revenue Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Income taxes $ 1,236,978 $ 1,366,331 $ 1,369,916 $ 3,585 Intergovernmental 77,000 77,000 315,278 238,278 Charges for services 775,000 775,000 734,171 (40,829) Fines, costs, and forfeitures 25,000 25,000 50,000 25,000 Licenses, permits and inspections 3,000 3,000 6,525 3,525 Interest 14,135 14,135 15,205 1,070 Contributions - - 6,023 6,023 Other 35,000 35,000 27,341 (7,659) Total revenues 2,166,113 2,295,466 2,524,459 228,993 Expenditures: Current: Security of persons and property Personal services 1,903,027 2,244,498 2,226,765 17,733 Other 586,906 585,323 552,971 32,352 Capital outlay 970,480 970,480 852,980 117,500 Total expenditures 3,460,413 3,800,301 3,632,716 167,585 Excess of expenditures over revenues (1,294,300) (1,504,835) (1,108,257) 396,578 Other financing sources: Transfers in 20,000 20,000 20,000 - Net change in fund balance (1,274,300) (1,484,835) (1,088,257) $ 396,578 Fund balance, beginning of year 1,754,295 1,754,295 1,754,295 Prior year encumbrances appropriated 898,771 898,771 898,771 Fund balance, end of year $ 1,378,766 $ 1,168,231 $ 1,564,809 103 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis Parking Major Special Revenue Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Charges for services $ 547,600 $ 547,600 $ 759,464 $ 211,864 Fines, costs, and forfeitures 120,000 120,000 206,907 86,907 Interest 2,441 2,441 4,713 2,272 Other 4,200 4,200 2,046 (2,154) Total revenues 674,241 674,241 973,130 298,889 Expenditures: Current: Transportation Personal services 468,311 468,311 395,276 73,035 Other 182,920 182,920 178,589 4,331 Total expenditures 651,231 651,231 573,865 77,366 Excess of revenues over expenditures 23,010 23,010 399,265 376,255 Other financing uses: Transfers out (75,485) (75,485) (75,485) - Net change in fund balance (52,475) (52,475) 323,780 $ 376,255 Fund balance, beginning of year 325,567 325,567 325,567 Prior year encumbrances appropriated 5,338 5,338 5,338 Fund balance, end of year $ 278,430 $ 278,430 $ 654,685 104 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Oxford Area Trails Property Tax Major Special Revenue Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Propertytaxes $ 1,045,000 $ 1,045,000 $ 1,103,914 $ 58,914 Intergovernmental - - 8,879 8,879 Interest 709 709 2,471 1,762 Total revenues 1,045,709 1,045,709 1,115,264 69,555 Expenditures: Current: General government Other 15,000 15,000 11,145 3,855 Excess of revenues over expenditures 1,030,709 1,030,709 1,104,119 73,410 Other financing uses: Transfers out (1,035,000) (1,035,000) (1,035,000) - Net change in fund balance (4,291) (4,291) 69,119 $ 73,410 Fund balance, beginning of year 108,026 108,026 108,026 Fund balance, end of year $ 103,735 $ 103,735 $ 177,145 105 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Coronavirus Local Fiscal Recovery Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Intergovernmental $ 1,210,399 $ 1,220,063 $ 1,220,063 $ - Interest - - 14,920 14,920 Total revenues 1,210,399 1,220,063 1,234,983 14,920 Expenditures: Current: General government Other 2,250,700 2,260,364 2,260,364 - Netchangeinfundbalance (1,040,301) (1,040,301) (1,025,381) $ 14,920 Fund balance, beginning of year 424 424 424 Prior year encumbrances appropriated 1,040,301 1,040,301 1,040,301 Fund balance, end of year $ 424 $ 424 $ 15,344 106 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Street Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Intergovernmental $ 499,413 $ 499,413 $ 431,619 $ (67,794) Charges for services 16,000 16,000 26,440 10,440 I nterest 4,140 4,140 5,329 1,189 Other 5,000 10,673 44,818 34,145 Total revenues 524,553 530,226 508,206 (22,020) Expenditures: Current: Transportation Personal services 822,880 822,880 748,527 74,353 Other 675,234 680,907 591,312 89,595 Total expenditures 1,498,114 1,503,787 1,339,839 163,948 Excess of expenditures over revenues (973,561) (973,561) (831,633) 141,928 Other financing sources: Transfers in 542,094 542,094 542,094 - Net change in fund balance (431,467) (431,467) (289,539) $ 141,928 Fund balance, beginning of year 668,496 668,496 668,496 Prior year encumbrances appropriated 136,467 136,467 136,467 Fund balance, end of year $ 373,496 $ 373,496 $ 515,424 107 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis State Highway Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Intergovernmental $ 35,858 $ 35,858 $ 30,693 $ (5,165) Interest 253 253 599 346 Total revenues 36,111 36,111 31,292 (4,819) Expenditures: Current: Transportation Other 20,200 20,200 5,116 15,084 Net change in fund balance 15,911 15,911 26,176 $ 10,265 Fund balance, beginning of year 63,535 63,535 63,535 Fund balance, end of year $ 79,446 $ 79,446 $ 89,711 108 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Community Development Block Grant Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Intergovernmental $ 130,778 $ 241,778 $ 112,778 $ (129,000) Expenditures: Current: Community and economic development Other 112,778 223,778 223,778 - Net change in fund balance 18,000 18,000 (111,000) $ (129,000) Fund balance, beginning of year 150,000 150,000 150,000 Fund balance, end of year $ 168,000 $ 168,000 $ 39,000 109 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Community Development Block Grant Loan Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Interest $ 2,801 $ 2,801 $ 4,227 $ 1,426 Other 27,240 27,240 19,980 (7,260) Total revenues 30,041 30,041 24,207 (5,834) Expenditures: Current: Community and economic development Other 160,000 160,000 - 160,000 Net change in fund balance (129,959) (129,959) 24,207 $ 154,166 Fund balance, beginning of year 562,321 562,321 562,321 Fund balance, end of year $ 432,362 $ 432,362 $ 586,528 110 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Law Enforcement Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Intergovernmental $ 5,000 $ 5,000 $ 3,750 $ (1,250) Fines, costs, and forfeitures 1,500 1,500 3,325 1,825 Interest 311 311 351 40 Contributions 2,000 2,000 - (2,000) Other 3,150 3,150 3,211 61 Total revenues 11,961 11,961 10,637 (1,324) Expenditures: Current: Security of persons and property Other 21,300 21,300 20,054 1,246 Total expenditures 21,300 21,300 20,054 1,246 Net change in fund balance (9,339) (9,339) (9,417) $ (78) Fund balance, beginning of year 49,722 49,722 49,722 Fund balance, end of year $ 40,383 $ 40,383 $ 40,305 111 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Enforcement and Education Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Fines, costs, and forfeitures $ 500 $ 500 $ 125 $ (375) Interest 707 707 954 247 Total revenues 1,207 15,585 15,457 (128) Expenditures: Current: Security of persons and property Other 16,000 16,000 6,771 9,229 Total expenditures 16,000 16,000 6,771 9,229 Excess(deficiency)of revenues over(under)expenditures (14,793) (415) 8,686 9,101 Other financing uses: Transfers out - (14,378) (14,378) - Net change in fund balance (14,793) (14,793) (5,692) $ 9,101 Fund balance, beginning of year 128,064 128,064 128,064 Fund balance, end of year $ 113,271 $ 113,271 $ 122,372 112 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Life Squad Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Interest $ 122 $ 122 $ 181 $ 59 Contributions - - 22 22 Total revenues 122 122 203 81 Net change in fund balance 122 122 203 $ 81 Fund balance, beginning of year 24,494 24,494 24,494 Fund balance, end of year $ 24,616 $ 24,616 $ 24,697 113 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Housing Trust Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Other local taxes $ 20,000 $ 20,000 $ 2,764 $ (17,236) Interest - - 10 10 Total revenues 20,000 20,000 2,774 (17,226) Expenditures: Current: Community and economic developmeni Other 20,000 20,000 - 20,000 Net change in fund balance - - 2,774 $ 2,774 Fund balance, beginning of year 7 7 7 Fund balance, end of year $ 7 $ 7 $ 2,781 114 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Special Assessment Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Special assessments $ 57,775 $ 57,775 $ 111,829 $ 54,054 Interest - 931 1,754 823 Total revenues 57,775 58,706 113,583 54,877 Expenditures: Current: General government Other 150,000 150,000 150,000 - Excess of expenditures over revenues (92,225) (91,294) (36,417) 54,877 Other financing sources (uses): Advances in 150,000 150,000 150,000 - Advances out (150,000) (150,000) (150,000) - Transfers in 50,000 50,000 50,000 - Total other financing sources(uses) 50,000 50,000 50,000 - Net change in fund balance (42,225) (41,294) 13,583 $ 54,877 Fund balance, beginning of year 95,949 95,949 95,949 Fund balance, end of year $ 53,724 $ 54,655 $ 109,532 115 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis OVI Task Force Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Intergovernmental $ 225,000 $ 225,000 $ 182,226 $ (42,774) Expenditures: Current: Security of persons and property Personal services 136,648 136,648 136,648 - Other 384,064 384,064 384,064 - Total expenditures 520,712 520,712 520,712 - Excess of expenditures over revenues (295,712) (295,712) (338,486) (42,774) Other financing sources (uses): Advances in 225,000 225,000 225,000 - Advances out (225,000) (225,000) (225,000) - Total other financing sources(uses) - - - - Net change in fund balance (295,712) (295,712) (338,486) $ (42,774) Fund balance, beginning of year (305,380) (305,380) (305,380) Prior year encumbrances appropriated 295,712 295,712 295,712 Fund balance, end of year $ (305,380) $ (305,380) $ (348,154) 116 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Southpointe TIF District Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Payments in lieu of taxes $ 328,129 $ 328,129 $ 361,508 $ 33,379 Interest 1,703 1,703 2,825 1,122 Total revenues 329,832 329,832 364,333 34,501 Excess of revenues over expenditures 329,832 329,832 364,333 34,501 Other financing uses: Transfers out (305,715) (305,715) (305,625) (90) Net change in fund balance 24,117 24,117 58,708 $ 34,411 Fund balance, beginning of year 252,705 252,705 252,705 Fund balance, end of year $ 276,822 $ 276,822 $ 311,413 117 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Local Coronavirus Relief Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Intergovernmental $ - $ 200,000 $ 200,000 $ - Expenditures: Current: General government Other - 200,000 200,000 - Net change in fund balance - - - $ - Fund balance, beginning of year - - - Fund balance, end of year $ - $ - $ - 118 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis OneOhio Opioid Settlement Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Intergovernmental $ - $ 6,867 $ 6,867 $ - Interest - - 2$ 28 Total revenues - 6,867 6,895 28 Net change in fund balance - 6,867 6,895 $ 28 Fund balance, beginning of year - - - Fund balance, end of year $ - $ 6,867 $ 6,895 119 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Aquatic Center Debt Service Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Expenditures: Debt service: Principal $ 140,000 $ 140,000 $ 140,000 $ - Interest 165,250 165,250 165,250 - Total expenditures 305,250 305,250 305,250 - Excess of expenditures over revenues (305,250) (305,250) (305,250) - Other financing sources: Transfers in 305,250 305,250 305,250 - Net change in fund balance - - - $ - Fund balance, beginning of year - - - Fund balance, end of year $ - $ - $ - 120 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual- Budget(Non-GAAP) Basis Southpointe TIF Debt Service Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Expenditures: Debt service: Principal 245,000 245,000 245,000 - Interest 60,625 60,625 60,625 - Total expenditures 305,625 305,625 305,625 - Excess of expenditures over revenues (305,625) (305,625) (305,625) - Other financing sources: Transfers in 305,625 305,625 305,625 - Net change in fund balance - - - $ - Fund balance, beginning of year - - - Fund balance, end of year $ - $ - $ - 121 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis Capital Improvement Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Intergovernmental $ 276,500 $ 553,000 $ 392,384 $ (160,616) Contributions - 17,000 17,000 - Total revenues 276,500 570,000 409,384 (160,616) Expenditures: Capital outlay 1,376,162 1,786,362 1,472,360 314,002 Excess of expenditures over revenues (1,099,662) (1,216,362) (1,062,976) 153,386 Other financing sources (uses): Transfers in 211,802 1,211,802 1,211,802 - Advances in 276,500 276,500 276,500 - Advances out (276,500) (276,500) (276,500) - Total other financing sources(uses) 211,802 1,211,802 1,211,802 - Net change in fund balance (887,860) (4,560) 148,826 $ 153,386 Fund balance, beginning of year 1,348,423 1,348,423 1,348,423 Prior year encumbrances appropriated 651,162 651,162 651,162 Fund balance, end of year $ 1,111,725 $ 1,995,025 $ 2,148,411 122 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis Capital Equipment Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Contributions $ - $ 1,500 $ 1,525 $ 25 Expenditures: Capital outlay 354,918 379,362 236,297 143,065 Excess of expenditures over revenues (354,918) (377,862) (234,772) 143,090 Other financing sources: Transfers in 294,465 894,465 894,465 - Net change in fund balance (60,453) 516,603 659,693 $ 143,090 Fund balance, beginning of year 793,005 793,005 793,005 Prior year encumbrances appropriated 40,943 40,943 40,943 Fund balance, end of year $ 773,495 $ 1,350,551 $ 1,493,641 123 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis Parking Improvement Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Expenditures: Capital outlay $ 119,750 $ 119,750 $ 86,500 $ 33,250 Excess of expenditures over revenues (119,750) (119,750) (86,500) 33,250 Other financing sources: Transfers in 10,000 10,000 10,000 - Net change in fund balance (109,750) (109,750) (76,500) $ 33,250 Fund balance, beginning of year 124,535 124,535 124,535 Prior year encumbrances appropriated 19,750 19,750 19,750 Fund balance, end of year $ 34,535 $ 34,535 $ 67,785 124 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis Municipal Facilities Capital Improvement Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Fund balance, beginning of year $ 272,048 $ 272,048 $ 272,048 Fund balance, end of year $ 272,048 $ 272,048 $ 272,048 125 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis Oxford Area Trails Capital Improvement Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Intergovernmental $ 2,250,000 $ 2,250,000 $ - $ (2,250,000) Expenditures: Capital outlay 5,693,311 5,787,517 5,776,254 11,263 Excess of expenditures over revenues (3,443,311) (3,537,517) (5,776,254) (2,238,737) Other financing sources (uses): Transfers in 1,035,000 1,035,000 1,035,000 - Advances in 2,871,337 2,871,337 2,871,337 - Advances out (2,871,337) (2,871,337) (2,871,337) - Total other financing sources(uses) 1,035,000 1,035,000 1,035,000 - Net change in fund balance (2,408,311) (2,502,517) (4,741,254) $ (2,238,737) Fund balance, beginning of year 1,690,410 1,690,410 1,690,410 Prior year encumbrances appropriated 161,375 161,375 161,375 Fund balance, end of year $ (556,526) $ (650,732) $ (2,889,469) 126 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis Aquatic Center Capital Improvement Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Expenditures: Capital outlay $ 23,063 $ 23,063 $ 12,004 $ 11,059 Net change in fund balance (23,063) (23,063) (12,004) $ 11,059 Fund balance, beginning of year - - - Prior year encumbrances appropriated 12,004 12,004 12,004 Fund balance, end of year $ (11,059) $ (11,059) $ - 127 CITY OF OXFORD, OHIO Schedule of Revenues, Expenditures and Changes in Fund Balances- Budget and Actual - Budget(Non-GAAP) Basis High St. Pedestrian Safety Capital Improvement Capital Projects Fund Year Ended December 31, 2022 Budgeted Amounts Variance Original Final From Final Budget Budget Actual Budget Revenues: Intergovernmental $ - $ - $ 83,477 $ 83,477 Interest - - 58 58 Total revenues - - 83,535 83,535 Expenditures: Capital outlay 589,814 589,814 306,998 282,816 Excess of expenditures over revenues (589,814) (589,814) (223,463) 366,351 Other financing sources (uses): Advances in 400,000 400,000 400,000 - Advances out - (400,000) (400,000) - Total other financing sources(uses) 400,000 - - - Net change in fund balance (189,814) (589,814) (223,463) $ 366,351 Fund balance, beginning of year (366,351) (366,351) (366,351) Prior year encumbrances appropriated 589,814 589,814 589,814 Fund balance, end of year $ 33,649 $ (366,351) $ - 128 CITY OF OXFORD, OHIO Combining Statement of Net Position Internal Service Funds December 31, 2022 Employee Internal Benefits Service Total Assets Equity in pooled cash and investments $ 256,446 $ 56,929 $ 313,375 Receivables: Accounts 173,743 3,370 177,113 Interest 388 - 388 Materials and supplies inventory - 20,807 20,807 Total assets 430,577 81,106 511,683 Liabilities Claims payable 242,696 - 242,696 Net Position Unrestricted $ 187,881 $ 81,106 $ 268,987 129 CITY OF OXFORD, OHIO Combining Statement of Revenues, Expenses and Changes in Net Position Internal Service Funds Year Ended December 31, 2022 Employee Internal Benefits Service Total Operating revenues: Charges for services $ 2,115,140 $ 268,261 $ 2,383,401 Operating expenses: Contractual services 45,382 - 45,382 Supplies and materials - 267,261 267,261 Claims 2,173,076 - 2,173,076 Total operating expenses 2,218,458 267,261 2,485,719 Operating income (loss) (103,318) 1,000 (102,318) Non-operating revenues: Interest revenue (2,759) 471 (2,288) Change in net position (106,077) 1,471 (104,606) Net position, beginning of year 293,958 79,635 373,593 Net position, end of year $ 187,881 $ 81,106 $ 268,987 130 CITY OF OXFORD, OHIO Combining Statement of Cash Flows Internal Service Funds Year Ended December 31, 2022 Employee Internal Benefits Service Total Cash flows from operating activities: Cash received from customers $ - $ 28,216 $ 28,216 Cash received from interfund services provided 2,034,114 239,442 2,273,556 Cash payments to suppliers for goods and services (100,554) (261,501) (362,055) Cash payments for employee medical claims (2,116,752) - (2,116,752) Net cash from operating activities (183,192) 6,157 (177,035) Cash flows from noncapital financing activities: Advances from other funds 5,000 - 5,000 Return advances to other funds (5,000) - (5,000) Net cash from noncapital financing activities - - - Cash flows from investing activities: Interest (2,467) 471 (1,996) Net change in cash and investments (185,659) 6,628 (179,031) Cash and investments beginning of year 442,105 50,301 492,406 Cash and investments end of year $ 256,446 $ 56,929 $ 313,375 Reconciliation of operating income (loss)to net cash from operating activities: Operating income (loss) $ (103,318) $ 1,000 $ (102,318) Adjustments to reconcile operating income (loss)to net cash from operating activities: Changes in assets and liabilities: Receivables (81,026) (603) (81,629) Materials and supplies inventory - 5,760 5,760 Accounts payable (55,172) - (55,172) Claims payable 56,324 - 56,324 Net cash from operating activities $ (183,192) $ 6,157 $ (177,035) 131 CITY OF OXFORD, OHIO Combining Statement of Fiduciary Net Position Custodial Funds December 31, 2022 Board of Hotel Building Total Tax Standards Custodial Fund Fund Funds Assets Receivables: Taxes $ 16,252 $ - $ 16,252 Liabilities Due to local organizations 16,252 - 16,252 Net Position Restricted for local organizations $ - $ - $ - 132 CITY OF OXFORD, OHIO Combining Statement of Changes in Fiduciary Net Position Custodial Funds Year Ended December 31, 2022 Board of Hotel Building Total Tax Standards Custodial Fund Fund Funds Additions Hotel taxes collections for other organizations $ 280,299 $ - $ 280,299 Licenses and permit collections for the State - 2,138 2,138 Total additions 280,299 2,138 282,437 Deductions Distribution of hotel tax collections to other organizations 280,299 - 280,299 Distribution of license and permit collections to the State - 2,138 2,138 Total deductions 280,299 2,138 282,437 Change in fiduciary net position - - - Net position, beginning of year - - - Net position, end of year $ - $ - $ - 133 CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK 134 • •+ � i�li.�' Vl ' i � � r OHIO � : . . . � STATISTICAL SECTION CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK Statistical Section This part of the City of Oxford Ohio's Annual Comprehensive Financial Report presents detailed information as a context for understanding what the information in the financial statements, note disclosures, and required supplementary information says about the City's overall financial health. Contents Pa e s Financial Trends 136 - 149 These schedules contain trend information to help the reader understand how the city's financial position has changed over time. Revenue Capacity 150 - 154 These schedules contain information to help the reader understand and assess the factors affecting the City's ability to generate its most significant local revenue sources, the property tax and the sales tax. Debt Capacity 156 - 165 These schedules present information to help the reader assess the affordability of the City's current levels of outstanding debt and the City's ability to issue additional debt in the future. Economic and Demographic Information 166 - 167 These schedules offer economic and demographic indicators to help the reader understand the environment within which the City's financial activities take place and to provide information that facilitates comparisons of financial information over time and among governments. Operating Information 168 - 173 These schedules contain service and infrastructure data to help the reader understand how the information in the City's financial report relates to the services the city provides and the activities it perForms. Sources: Unless otherwise noted, the information in these schedules is derived from the Annual Comprehensive Financial Reports for the relevant year. The county implemented GASB Statement 34 in 2001; schedules presenting government-wide information include information beginning in that year. 135 CITY OF OXFORD,OHIO Net Position by Component Last Ten Years (accrual basis of accounting) 2013 2014 2015 2016 Governmental Activities: Net investments in Capital Assets $ 37,250,098 $ 38,144,104 $ 40,532,820 $ 48,412,266 Restricted 3,516,792 4,173,776 4,137,880 4,709,925 Unrestricted (Deficit) 12,758,914 13,967,494 6,849,255 7,897,826 Total Governmental Activities Net Position 53,525,804 56,285,374 51,519,955 61,020,017 Business-type Activities: Net investments in Capital Assets 25,703,277 27,285,532 27,386,511 27,833,536 Restricted 1,564,474 1,470,811 1,637,030 2,196,130 Unrestricted (Deficit) 8,913,941 8,839,703 8,262,825 8,644,335 Total Business-type Activities Net Position 36,181,692 37,596,046 37,286,366 38,674,001 Primary Government: Net investments in Capital Assets 62,953,375 65,429,636 67,919,331 76,245,802 Restricted 5,081,266 5,644,587 5,774,910 6,906,055 Unrestricted (Deficit) 21,672,855 22,807,197 15,112,080 16,542,161 Total Primary Government Net Position $ 89,707,496 $ 93,881,420 $ 88,806,321 $ 99,694,018 (1)- In 2018,the City restated net position for implementation of GASB Statement No. 75. Information prior to 2017 was not available. 136 2017 2018(1) 2019 2020 2021 2022 $ 50,088,887 $ 53,866,769 $ 55,480,293 $ 57,064,566 $ 56,634,457 $ 57,377,276 4,831,493 4,964,663 6,895,749 6,906,392 8,360,329 8,207,886 (619,285) (4,465,006) (1,239,199) (1,955,570) 107,362 2,396,874 $ 54,301,095 $ 54,366,426 $ 61,136,843 $ 62,015,388 $ 65,102,148 $ 67,982,036 28,889,403 28,760,423 28,076,549 28,011,362 26,734,617 25,724,873 2,293,550 2,328,824 2,395,498 2,481,625 2,593,484 2,836,790 8,188,996 8,334,901 8,707,246 8,777,278 11,522,298 11,932,245 39,371,949 39,424,148 39,179,293 39,270,265 40,850,399 40,493,908 78,978,290 82,627,192 83,556,842 85,075,928 83,369,074 83,102,149 7,125,043 7,293,487 9,291,247 9,388,017 10,953,813 11,044,676 7,569,711 3,869,895 7,468,047 6,821,708 11,629,660 14,329,119 $ 93,673,044 $ 93,790,574 $ 100,316,136 $ 101,285,653 $ 105,952,547 $ 108,475,944 (continued) 137 CITY OF OXFORD OHIO Net Position by Component Last Ten Years (accrual basis of accounting) 2013 2014 2015 2016 Net investments in Capital Assets $ 62,953,375 $ 65,429,636 $ 67,919,331 $ 76,245,802 Restricted 5,081,266 5,644,587 5,774,910 6,906,055 Unrestricted (Deficit) 21,672,855 22,807,197 15,112,080 16,542,161 Total Net Position $ 89,707,496 $ 93,881,420 $ 88,806,321 $ 99,694,018 Net Position $100,000,000 $90,000,000 $80,000,000 $70,000,000 $60,000,000 $50,000,000 $40,000,000 $30,000,000 $20,000,000 $10,000,000 $0 2013 2014 2015 2016 om�as�ea oaesnaaa ou��esnaaa am�ai (1)-In 2018,the City restated net position for implementation of GASB Statement No.75. Information prior to 2017 was not available. 138 2017 2018(1) 2019 2020 2021 2022 $ 78,978,290 $ 82,627,192 $ 83,556,842 $ 85,075,928 $ 83,369,074 $ 83,102,149 7,125,043 7,293,487 9,291,247 9,388,017 10,953,813 11,044,676 7,569,711 3,869,895 7,468,047 6,821,708 11,629,660 14,329,119 $93,673,044 $93,790,574 $100,316,136 $101,285,653 $ 105,952,547 $ 108,475,944 (continued) Net Position $110,000,000 $90,000,000 $70,000,000 $50,000,000 $30,000,000 $10,000,000 � � � � ($10,000,000) 2017 2018(1) 2019 2020 2021 2022 o���es�ed eRe=„��ed o��,e=„��ed e1o�� on of GASB Statement No.75. 139 CITY OF OXFORD OHIO Changes in Net Position Last Ten Years (accrual basis of accounting) 2013 2014 2015 2016 Expenses Governmental Activities: Security of Persons and Property $ 5,776,151 $ 6,029,165 $ 6,197,036 $ 6,912,855 Public health services 133,080 122,530 122,331 123,304 Leisure time activities 1,664,647 1,703,467 1,736,278 2,015,365 Community enviornment 866,627 896,508 941,057 1,124,403 Transportation 2,346,876 2,437,072 2,307,734 2,518,789 General Government 1,842,327 1,657,466 1,620,353 1,969,819 Interest on long term debt 65,189 58,835 51,256 42,779 Total Governmental Activities Expenses 12,694,897 12,905,043 12,976,045 14,707,314 Business-type Activities: Water 2,384,808 2,433,786 2,353,068 2,543,610 Sewer 2,664,910 2,875,139 2,903,344 3,299,986 Refuse 2,387,231 1,483,773 1,314,535 1,429,391 Stormwater 26,461 25,477 34,425 26,587 Total 8usiness-type Activities Expenses 7,463,410 6,818,175 6,605,372 7,299,574 Total Primary Government Expenses 20,158,307 19,723,218 19,581,417 22,006,888 Program Revenues Governmental Activities: Charges for Services Security of Persons and Property 673,216 781,443 805,365 768,171 Public health services 2,920 6,441 4,324 4,704 Leisure Time Activities 273,996 284,360 288,388 311,923 Community and Economic Development 355,373 325,891 406,534 489,793 General Government 219,713 265,383 199,520 247,763 Operating Grants& Contributions 610,081 588,411 623,665 792,681 Capital Grants & Contributions 2,104,993 1,410,344 617,613 8,857,616 Total Primary Government Program Revenues 5,004,984 4,435,791 3,685,775 12,222,983 140 2017 2018 2019 2020 2021 2022 $ 7,896,735 $ 8,450,135 $ 3,734,801 $ 9,247,405 $ 8,448,985 $ 9,416,735 127,344 127,993 129,301 215,288 133,367 179,857 2,024,345 2,043,100 2,132,662 1,690,665 1,745,849 1,954,367 1,250,832 1,200,613 1,328,799 1,132,111 762,929 1,065,198 2,883,374 2,916,745 3,164,874 3,020,821 5,477,619 3,338,514 2,467,271 2,684,968 2,262,040 3,492,954 2,399,064 2,577,688 33,876 127,956 308,076 224,707 213,719 202,306 16,683,777 17,551,510 13,060,553 19,023,951 19,181,532 18,734,665 2,374,664 2,914,576 2,947,077 2,593,802 1,674,092 2,893,459 3,282,520 3,275,360 3,512,124 3,429,402 2,396,229 2,891,636 1,420,472 1,515,698 1,643,825 1,621,529 1,569,908 1,728,350 12,951 36,151 49,006 29,690 12,445 29,630 7,090,607 7,741,785 8,152,032 7,674,423 5,652,674 7,543,075 23,774,384 25,293,295 21,212,585 26,698,374 24,834,206 26,277,740 979,076 958,652 1,024,170 858,411 894,449 929,214 2,300 4,110 4,550 1,500 3,150 2,500 306,846 318,531 504,692 251,242 618,479 647,393 573,099 454,215 436,914 348,171 388,986 414,814 757,972 781,626 777,700 554,733 923,647 1,157,936 229,754 305,679 328,695 473,981 698,794 486,618 1,241,927 819,178 876,901 2,560,480 1,064,092 1,120,897 1,021,500 526,037 1,012,226 995,974 3,637,726 1,431,902 5,112,474 4,168,028 4,965,848 6,044,492 8,229,323 6,191,274 (continued) 141 CITY OF OXFORD Changes in Net Position(continued) Last Ten Years (accrual basis of accounting) 2013 2014 2015 2016 2017 Business-type Activities: Charges for Services Water $ 2,589,075 $ 2,465,656 $ 2,740,798 $ 2,605,859 $ 2,673,633 Sewer 2,797,836 2,669,784 2,838,540 2,789,082 2,764,606 Refuse 1,779,637 1,816,867 1,864,550 1,636,072 1,592,089 Stormwater - - - - 389 Operating Grants and Contributions 15,971 12,861 16,111 - - Capital Grants and Contributions 394,580 1,085,263 207,910 1,480,150 1,977,653 Total Business-type Activities Program Revenues 7,577,099 8,050,431 7,667,909 8,511,163 9,008,370 Total Primary Government Program Revenues 12,582,083 12,486,222 11,353,684 20,734,146 14,120,844 Net(Expense)/Revenue Governmental Activities (7,689,913) (8,469,252) (9,290,270) (2,484,331) (11,571,303) Business-type Activities 113,689 1,232,256 1,062,537 1,211,589 1,917,763 Total Primary Government Net(Expense)/Revenue (7,576,224) (7,236,996) (8,227,733) (1,272,742) (9,653,540) General Revenues and Other Changes in Net Position Governmental Activities: Property Taxes Levied for: General Purposes 1,209,594 1,235,909 1,221,740 1,258,641 1,289,001 Income Taxes 7,104,280 7,935,333 8,191,354 8,635,262 8,636,554 Income taxes for Fire and EMS 1,027,187 1,143,925 1,172,058 1,244,852 1,240,974 Grants and Entitlements 530,731 467,826 490,780 450,751 429,566 (not restricted to specific program) Investment earnings 36,463 130,387 80,528 149,852 157,399 Miscellaneous 278,957 345,442 269,875 285,035 323,441 Transfers (40,000) (30,000) (40,000) (40,000) (40,000) Total Governmental Activities 10,147,212 11,228,822 11,386,335 11,984,393 12,036,935 Business-type Activities: Investment Earnings 40,419 111,214 61,928 118,233 117,221 Miscellaneous 38,084 40,884 20,010 17,813 28,026 Transfers 40,000 30,000 40,000 40,000 40,000 Total Business-type Activities 118,503 182,098 121,938 176,046 185,247 Total Primary Government 10,265,715 11,410,920 11,508,273 12,160,439 12,222,182 Change in Net Position Governmental Activities 2,457,299 2,759,570 2,096,065 9,500,062 465,632 Business-type Activities 232,192 1,414,354 1,184,475 1,387,635 2,103,010 Total Primary Government Change in Net Posifion $2,689,491 $4,173,924 $3,280,540 $10,887,697 $2,568,642 142 2018 2019 2020 2021 2022 $ 2,714,750 $ 2,774,495 $ 2,560,193 $ 2,661,194 $ 2,763,711 2,886,079 2,981,874 2,634,516 2,812,977 2,871,373 1,567,216 1,548,132 1,559,968 1,602,349 1,580,932 8,250 - 318,747 122,460 310,940 178,003 245,111 7,495,042 7,426,961 7,065,617 7,254,523 7,461,127 11,663,070 12,392,809 13,110,109 15,483,846 13,652,401 (13,383,482) (8,094,705) (12,979,459) (10,952,209) (12,543,391) (246,743) (725,071) (608,806) 1,601,849 (81,948) (13,630,225) (8,819,776) (13,588,265) (9,350,360) (12,625,339) 1,365,745 2,706,314 2,532,003 3,010,631 3,092,281 9,644,582 9,342,313 8,635,125 8,703,534 9,755,976 1,379,252 1,323,602 1,233,955 1,258,713 1,400,891 458,561 655,381 581,500 709,220 1,258,767 316,831 507,682 333,921 (60,033) (396,752) 323,842 369,830 797,807 416,904 312,116 (40,000) (40,000) (256,307) - - 13,448,813 14,865,122 13,858,004 14,038,969 15,423,279 218,903 410,630 308,551 (58,599) (309,481) 40,039 29,586 134,920 36,884 34,938 40,000 40,000 256,307 - - 298,942 480,216 699,778 (21,715) (274,543) 13,747,755 15,345,338 14,557,782 14,017,254 15,148,736 65,331 6,770,417 878,545 3,086,760 2,879,888 52,199 (244,855) 90,972 1,580,134 (356,491) $117,530 $6,525,562 $969,517 4,666,894 2,523,397 (continued) 143 CITY OF OXFORD Fund Balances, Governmental Funds Last Ten Years (modified accrual basis of accounting) 2013 2014 2015 2016 2017 General Fund Nonspendable $ 83,569 $ 120,534 $ 144,120 $ 128,896 $ 124,849 Assigned 145,070 1,112,306 24,542 - - Unassigned 6,843,346 6,675,438 8,336,408 8,490,523 6,429,017 Total General Fund 7,071,985 7,908,278 8,505,070 8,619,419 6,553,866 All Other Governmental Funds Nonspendable 192,183 214,048 215,225 173,889 166,347 Restricted 1,558,971 3,306,221 3,350,048 3,838,304 3,999,976 Assigned 2,812,851 6,122,896 5,241,425 6,508,321 8,244,714 Unassigned 2,497,637 (701,833) (620,214) (358,346) (337,622) Total All Other Governmental Funds 7,061,642 8,941,332 8,186,484 10,162,168 12,073,415 Total Governmental Funds $ 14,133,627 $ 16,849,610 $ 16,691,554 $ 18,781,587 $18,627,281 144 2018 2019 2020 2021 2022 $ 142,048 $ 134,489 $ 133,834 $ 129,899 $ 155,569 50,000 58,674 - 16,044 6,396,711 7,094,540 7,501,806 8,709,045 8,458,258 6,588,759 7,287,703 7,635,640 8,854,988 8,613,827 157,421 169,475 179,887 171,564 233,337 7,365,021 8,483,341 5,825,540 7,010,702 6,589,932 5,762,958 4,114,905 4,855,891 3,870,440 5,140,887 (434,875) (137,512) (514,439) (415,448) (144,833) 12,850,525 12,630,209 10,346,879 10,637,258 11,819,323 $ 19,439,284 $ 19,917,912 $ 17,982,519 $ 19,492,246 $ 20,433,150 (continued) 145 CITY OF OXFORD Changes in Fund Balances, Governmental Funds Last Ten Years (modified accrual basis of accounting) 2013 2014 2015 2016 Revenues PropertyandOtherTaxes $1,301,573 $1,235,145 $1,220,978 $1,258,037 Municipal Income Taxes 8,249,273 9,045,760 9,317,842 9,740,117 Intergovernmental 1,437,662 2,452,720 1,764,528 1,207,199 Charges for Services 1,541,299 1,605,605 1,734,748 1,660,714 Fines and Forfeitures 337,777 354,517 319,157 316,032 Licenses and Permits 381,774 445,730 445,070 572,643 Special Assessments 38,915 26,663 41,921 42,109 Payments in lieu of taxes Interest 17,608 109,707 97,344 144,596 Contributions and Donations 25,666 14,720 95,488 114,153 Other 321,861 570,965 296,739 297,711 Total Revenues 13,653,408 15,861,532 15,333,815 15,353,311 Expenditures Current: Security of Persons and Property 5,555,883 5,888,581 5,881,057 6,174,513 Public Health Services 133,080 122,530 122,331 123,304 Leisure Time Activities 1,304,355 1,339,864 1,326,600 1,352,695 Community Environment 901,112 885,993 955,428 1,128,455 Transportation 1,249,306 1,306,384 1,243,206 1,273,358 General Government 1,705,564 1,520,666 1,599,640 1,717,351 Capital Outlay 2,790,248 1,744,731 4,014,309 1,142,752 Debt Service: Principal Retirement 250,000 250,000 260,000 270,000 Interest and Fiscal Charges 63,050 56,800 49,300 40,850 Debt Issuance Cost - - - - Total Expenditures 13,952,598 13,115,549 15,451,871 13,223,278 Excess of Revenues Over (Under)Expenditures (299,190) 2,745,983 (118,056) 2,130,033 Other Financing Sources(Uses) Transfers-In 4,090,546 2,102,269 2,430,355 3,103,673 Transfers-Out (4,130,546) (2,132,269) (2,470,355) (3,143,673) Proceeds from Notes Payable - - - - Premium on Issuance of Bonds - - - - Total OtherFinancing Sources(Uses) (40,000) (30,000) (40,000) (40,000) Net Change in Fund Balances ($339,190) $2,715,983 ($158,056) $2,090,033 Debt Service as a Percentage of Noncapital Expenditures 2.89% 2.77% 2.78% 2.64% 146 2017 2018 2019 2020 2021 2022 $1,288,009 $1,364,897 $2,377,499 $2,203,625 $2,632,137 $2,730,053 10,050,615 10,520,961 10,575,970 9,692,511 10,302,477 10,954,381 1,959,169 1,781,737 2,351,416 3,954,355 5,239,006 2,861,713 1,935,155 1,910,944 2,101,939 1,528,047 2,227,679 2,613,574 327,860 320,656 371,182 289,570 424,964 470,247 640,360 557,882 568,259 441,902 441,729 427,177 31,551 33,435 53,642 98,510 107,287 111,829 328,127 327,788 377,604 361,508 165,610 302,344 484,047 353,437 (59,403) (405,606) 255,568 27,279 172,382 41,430 32,598 35,527 371,192 348,879 397,962 816,719 419,211 288,451 17,025,089 17,169,014 19,782,425 19,747,894 22,145,289 20,448,854 7,152,652 6,962,332 7,624,875 7,239,398 8,037,500 8,802,352 127,344 127,993 129,301 215,288 133,367 179,857 1,415,517 1,408,851 1,561,371 1,450,984 1,669,732 1,738,266 1,161,225 1,141,505 1,243,646 1,050,529 1,129,850 1,213,015 1,388,191 1,365,612 1,398,324 1,374,801 1,679,006 1,611,709 1,939,994 2,003,394 1,868,709 3,424,223 2,645,865 2,706,890 3,119,964 7,302,931 7,392,454 6,284,839 4,722,967 2,644,986 275,000 290,000 5,355,000 365,000 380,000 385,000 32,075 42,172 318,326 248,225 237,275 225,875 - - 129,331 - - - 16,611,962 20,644,790 27,021,337 21,653,287 20,635,562 19,507,950 413,127 (3,475,776) (7,238,912) (1,905,393) 1,509,727 940,904 5,007,033 3,672,124 4,316,751 4,245,688 2,598,999 4,344,102 (5,047,033) (3,712,124) (4,356,751) (4,275,688) (2,598,999) (4,344,102) - 4,800,000 7,215,000 - 54,048 542,540 (40,000) 4,814,048 7,717,540 (30,000) - - $373,127 $1,338,272 $478,628 ($1,935,393) $1,509,727 $940,904 2.33% 2.55% 29.76% 3.95% 3.28% 3.69% Total Debt Service 610,875 Total Expenditures 19,507,950 Less:capital additions from reconciliation (2,969,545) 16,538,405 Revised Debt Service as a Percentage of Noncapital Expenditures 3.69% 147 CITY OF OXFORD, OHIO Assessed and Estimated Actual Value of Taxable Property Last Ten Years Real Property Public Utility Assessed Value Estimated Estimated Levy Collection Residential/ Commercial/ Actual Assessed Actual Year Year Agricultural Industrial/PU Value Value Value 2012 2013 $ 191,940,590 $ 91,739,000 $ 810,513,114 $ 7,047,210 $ 8,008,193 2013 2014 188,417,460 96,220,200 813,250,457 8,937,670 10,156,443 2014 2015 180,706,210 100,488,130 803,412,400 9,358,220 10,634,341 2015 2016 182,215,270 104,088,250 818,010,057 9,605,450 10,915,284 2016 2017 182,953,370 106,694,400 827,565,057 9,855,360 11,199,273 2017 2018 195,948,020 117,288,530 894,961,571 10,291,240 11,694,591 2018 2019 196,724,490 118,227,190 899,861,943 11,384,750 12,937,216 2019 2020 197,264,680 122,951,200 914,902,514 11,853,290 13,469,648 2020 2021 224,982,970 150,461,280 1,072,697,857 13,481,340 15,319,705 2021 2022 225,868,860 152,767,580 1,081,818,400 14,008,920 15,919,227 Real property is reappraised every six years with a State mandated update of the current market value in the third year following each reappraisal. The assessed value of real property(including public utility real property) is 35 percent of estimated true value. Personal property tax is assessed on all tangible personal property used in business in Ohio. The assessed value of public utility personal property ranges from 25 percent of true value for railroad property to 88 percent for electric transmission and distribution property. The tangible personal property values associated with each year are the values that, when multiplied by the applicable rates, generated the property tax revenue billed in that year. For real property, the amounts generated by multiplying the assessed values by the applicable rates would be reduced by the 10%, and 2 1/2% and homestead exemptions before being billed. Source: Butler County Auditor's Office 148 Tangible Personal Property General Business Total Estimated Estimated Direct Assessed Actual Assessed Actual Tax Rate Value Value Value Value Ratio (in mills) $ - $ - $290,726,800 $ 818,521,306 35.52% $ 3.65 - - 293,575,330 823,406,899 35.65% 3.65 - - 290,552,560 814,046,740 35.69% 3.65 - - 295,908,970 828,925,341 35.70% 3.65 - - 299,503,130 838,764,330 35.71% 3.65 - - 323,527,790 906,656,162 35.68% 6.90 - - 326,336,430 912,799,159 35.75% 6.90 - - 332,069,170 928,372,162 35.77% 6.90 - - 388,925,590 1,088,017,562 35.75% 6.90 - - 392,645,360 1,097,737,627 35.77% 6.90 (continued) Assessed Values 400,000,000 350,000,000 300,000,000 250,000,000 200,000,000 150,000,000 100,000,000 50,000,000 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 oReal ■Public Utility Personal ❑General Business Personal 149 CITY OF OXFORD,OHIO Property Tax Rates (per$1,000 of assessed value) Last Ten Years 2013 2014 2015 2016 Unvoted Millage Operating $ 3.65 $ 3.65 $ 3.65 $ 3.65 Total Unvoted Millage 3.65 3.65 3.65 3.65 Voted Millage-by levy None - - - - Total Voted millage - - - - Total millage $ 3.65 $ 3.65 $ 3.65 $ 3.65 The rates presented for a particular calendar year are the rates that,when applied to the assessed values in the Assessed Value Table,generated the property tax revenue billed in that year. Rates may only be raised by obtaining the approval of a majority of the voters at a public election. Property Tax Rates of Direct and Overlapping Governments (per$1,000 of assessed value) Last Ten Years 2013 2014 2015 2016 Butler County $ 9.72 $ 9.72 $ 9.72 $ 9.72 Metroparks of Butler County 0.50 0.50 0.50 0.70 Lane Public Library 0.75 0.75 0.75 0.75 Talawanda School 55.80 55.30 55.30 54.30 Butler County Vocational School 1.93 1.93 1.93 1.93 Cities: Oxford City 3.65 3.65 3.65 3.65 Townships: Oxford Township 0.24 0.24 0.24 0.24 Total Millage $ 72.59 $ 72.09 $ 72.09 $ 71.29 The rates presented in this Table represent the original voted rates. Source: Butler County Treasurer's Office for both tables 150 2017 2018 2019 2020 2021 2022 $ 3.65 $ 3.65 $ 3.65 $ 3.65 $ 3.65 $ 3.65 3.65 3.65 3.65 3.65 3.65 3.65 - 3.25 3.25 3.25 3.25 3.25 - 3.25 3.25 3.25 3.25 3.25 $ 3.65 $ 6.90 $ 6.90 $ 6.90 $ 6.90 $ 6.90 2017 2018 2019 2020 2021 2022 $ 9.72 $ 9.72 $ 9.72 $ 9.22 $ 7.30 $ 9.72 0.70 0.70 0.70 0.70 0.70 0.70 0.75 0.75 0.75 0.75 0.75 0.75 54.30 55.30 55.30 54.80 54.80 54.80 1.93 1.93 1.93 1.93 1.93 1.93 3.65 6.90 6.90 6.90 6.90 6.90 0.24 0.24 0.24 0.24 0.24 0.24 $ 71.29 $ 75.54 $ 75.54 $ 74.54 $ 72.62 $ 75.04 (continued) 151 CITY OF OXFORD, OHIO Property Tax Levies and Collections Last Ten Levy Years Percent of Percent of Current Tax Total Tax Current Collections Delinquent Collections Levy Collection Tax Current Tax to Current Tax Total Tax to Current Year Year Levy Collections Tax Levy Collections Collections Tax Levy 2012 2013 $ 1,048,575 $ 1,035,692 98.77% $ 37,628 $ 1,073,320 102.36% 2013 2014 1,071,550 1,032,911 96.39 37,616 1,070,527 99.90 2014 2015 1,060,517 1,032,115 97.32 37,537 1,069,652 100.86 2015 2016 1,080,068 1,056,216 97.79 28,405 1,084,621 100.42 2016 2017 1,094,588 1,075,019 98.21 24,040 1,099,059 100.41 2017 2018 1,180,876 1,147,460 97.17 23,558 1,171,018 99.17 2018 2019 2,251,577 2,050,379 91.06 56,185 2,106,564 93.56 2019 2020 2,291,277 2,042,582 89.15 45,319 2,087,901 91.12 2020 2021 2,683,587 2,316,901 86.34 90,471 2,407,372 89.71 2021 2022 2,709,253 2,374,963 87.66 66,147 2,441,110 90.10 Source: Butler County Auditor's Office The County has not identify delinquent tax collections by tax year, thus amounts could include collections from a previous collection year(s). Effort will be made to work with County personnel to obtain this information for future reporting. 152 CITY OF OXFORD, OHIO Principal Taxpayers Real Estate Tax January 1, 2022 and January 1, 2013 January 1, 2022 Percent of Assessed Real Property Name of Taxpayer Value Assessed Value DUKE ENERGY OHIO INC $ 13,281,490 3.38% OXFORD WEST PROPERTIES 1 LLLP 7,592,880 1.93% EVR INVESTMENTS LLC 7,506,170 1.91% PEP OXFORD OH LLC 6,786,240 1.73% TRES WALNUT LLC 5,824,790 1.48% STEWART DEVELOPERS LLC 5,583,620 1.42% PAUL W BAER TRUST PROPERTIES LLC 5,322,510 1.36% GASLIGHT AVENUE AT STEWART SQUARE LLC 5,134,910 1.31% BROOKSIDE AT CHESTNUT LLC 4,847,710 1.23% MAM OXFORD LLC 4,697,610 1.20% Totals $ 66,577,930 16.95% Total Assessed Valuation $392,645,360 January 1, 2013 Percent of Assessed Real Property Name of Taxpayer Value Assessed Value DUKE ENERGY OHIO $ 6,967,370 2.40% BLUE ATLANTIC OXFORD 6,300,000 2.17% STEWART DEVELOPERS 4,755,140 1.64% BROWN ROAD ASSOCIATES 3,937,500 1.35% D & B FAMILY LTD 3,524,110 1.21% WAL-MART REAL ESTATE 2,818,920 0.97% SOUTHWESTERN OHIO 2,780,350 0.96% OXFORD APARTMENTS 2,765,030 0.95% HOELZER/HOELZER RENTALS 2,685,200 0.92% SSC OXFORD LLC 2,162,470 0.74% Totals $ 38,696,090 13.31% Total Assessed Valuation $290,726,800 Real property taxes paid in 2022 are based on January 1, 2021 values. Real property taxes paid in 2013 are based on January 1, 2012 values. Source: Butler County Auditor's Office 153 CITY OF OXFORD,OHIO Income Tax Revenue Base and Collections Lasf Ten Years Taxes Percentages of Taxes Percentage of Taxes Percentage of Tax Tax Total Tax from Taxes From from Taxes from from Taxes from Year Rate Collected Withholdinq Withholdinp Net Profits Net Profits Individuals Individuals 2013 2.00% $ 8,247,356 $ 7,185,618 87.13% $ 497,750 6.04% $ 563,988 6.84% 2014 2.00°/a 8,815,535 7,530,446 85.42% 545,225 6.18% 739,864 8.40% 2015 2.00% 9,230,490 7,819,892 84.72% 702,756 7.61% 707,842 7.67% 2016 2.00% 9,507,252 8,025,370 84.41% 776,047 8.16% 705,835 7.42% 2017 2.00% 9,904,406 8,322,304 84.03% 781,139 7.89% 818,770 8.27% 2018 2.00% 10,121,832 8,575,632 84.72% 687,470 6.79% 858,731 8.48% 2019 2.00% 10,345,556 8,760,781 84.68% 678,997 6.56% 905,778 8.76% 2020 2.00% 9,551,110 8,337,313 87.29% 489,407 5.12% 724,390 7.58% 2021 2.00% 9,651,994 8,393,121 86.96% 481,929 4.99% 776,944 8.05% 2022 2.00% 10,554,958 8,996,780 85.24% 646,762 6.13°/a 911,415 8.63°/a Source: Regional Income Tax Agency 154 CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK 155 CITY OF OXFORD,OHIO Ratio of Outstanding Debt By Type Last Ten Years Governmental Activities Business-Type Activities Totals General Bond General OWDA Total Percentage Obligation Anticipation Obligation Loans Primary of Personal Per Year Bonds Notes Bonds Payable Government Income Capita 2013 $ 1,657,383 - $ 880,012 $ 2,881,115 $ 5,418,510 2.02% $253.78 2014 1,405,133 - - 2,131,808 3,536,941 1.10% 164.74 2015 1,142,883 - - 1,500,591 2,643,474 0.82°/a 121.36 2016 870,633 - - 995,966 1,866,599 0.53°/a 84.45 2017 593,383 - - 495,539 1,088,922 0.30°/a 48.74 2018 301,133 4,854,048 - - 5,155,181 1.42°/a 225.52 2019 7,479,938 - - - 7,479,938 1.92% 326.85 2020 7,092,332 - - - 7,092,332 1.72% 306.89 2021 6,689,730 - - - 6,689,730 1.55% 290.42 2022 6,282,120 - - - 6,282,120 1.49% 277.66 156 Business-Type Activities Totals General OWDA Total Percentage Obligation Loans Primary of Personal Per Bonds Payable Government Income Capita $ 880,012 $ 2,881,115 $ 5,418,510 2.02% $ 253.78 - 2,131,808 3,536,941 1.10% 164.74 - 1,500,591 2,643,474 0.82% 121.36 - 995,966 1,866,599 0.53% 84.45 - 495,539 1,088,922 0.30% 48.74 - - 301,133 0.08% 13.17 - - 7,479,938 1.92% 326.85 - - 7,092,332 1.72% 306.89 - - 6,689,730 1.55% 290.42 - - 6,282,120 1.49% 277.66 (continued) 157 CITY OF OXFORD, OHIO Ratios of General 8onded Debt Outstanding Last Ten Years Ratio of Net Net General Resources Bonded Debt Bonded Obligation Available to Net General to Estimated Debt per Year Bonds & Notes Pay Principal Bonded Debt Actual Value Capita 2013 $ 1,657,383 $ - $ 1,657,383 0.20% $ 77.63 2014 1,405,133 - 1,405,133 0.17% 65.45 2015 1,142,883 - 1,142,883 0.14% 52.47 2016 870,633 - 870,633 0.11% 39.39 2017 593,383 - 593,383 0.07% 26.56 2018 5,155,181 - 5,155,181 0.58% 225.52 2019 7,479,938 - 7,479,938 0.83% 326.85 2020 7,092,332 - 7,092,332 0.78% 306.89 2021 6,689,730 - 6,689,730 0.62% 290.42 2022 6,282,120 - 6,282,120 0.58% 277.66 158 CITY OF OXFORD, OHIO Computation of Direct and Overlapping Debt Attributable to Governmental Activities December 31, 2022 Amount of Percentage Direct and Debt Applicable to Overlapping Outstanding County (1) Debt Direct: City of Oxford $ 6,282,120 100.00% $ 6,282,120 Subtotal 6,282,120 6,282,120 Overlapping: Butler County 20,290,270 3.94% 799,437 Talawanda School District 21,800,000 46.20% 10,071,600 Subtotal 42,090,270 10,871,037 Total $ 48,372,390 $ 17,153,157 Source: Ohio Municipal Advisory Council (1) Percentages were determined by dividing the assessed valuation of the political subdivision located within the boundaries of the County by the total assessed valuation of the subdivision. The valuations used were for the 2022 collection year. 159 CITY OF OXFORD, OHIO Ratio of Debt to Actual Value and Debt per Capita Last Ten Years General Bonded Debt Estimated General Actual Value of Bonded Debt Net General Year Population (1) Taxable Property(2) Outstanding Bonded Debt 2013 21,351 - $ 818,521,306 $ 1,657,383 $ 1,657,383 2014 21,470 - 823,406,899 1,405,133 1,405,133 2015 21,782 - 814,046,740 1,142,883 1,142,883 2016 22,104 - 828,925,341 870,633 870,633 2017 22,341 - 838,764,330 593,383 593,383 2018 22,859 - 906,656,162 5,155,181 5,155,181 2019 22,885 - 912,799,159 7,479,938 7,479,938 2020 23,110 - 928,372,162 7,092,332 7,092,332 2021 23,035 - 1,088,017,562 6,689,730 6,689,730 2022 22,625 - 1,097,737,627 6,282,120 6,282,120 ources: (1) U.S. Bureau of Census, Census of Population (a) 2020 Federal Census (b) Census Estimates (2) Butler County Auditor's Office 160 General Debt Ratio of Net Net Ratio of Bonded Debt Bonded General Debt to General to Estimated Debt per Capital Other Total Estimated Debt Actual Value Capita Leases Obligations Debt Actual Value Per Capita 0.20% $ 77.63 $ - $ - $ 1,657,383 0.20% $ 77.63 0.17% 65.45 - - 1,405,133 0.17% 65.45 0.14% 52.47 - - 1,142,883 0.14% 52.47 0.11% 39.39 - - 870,633 0.11% 39.39 0.07% 26.56 - - 593,383 0.07% 26.56 0.57% 225.52 - - 5,155,181 0.57% 225.52 0.82% 326.85 - - 7,479,938 0.82% 326.85 0.76% 306.89 - - 7,092,332 0.76% 306.89 0.61% 290.42 - - 6,689,730 0.61% 290.42 0.57% 277.66 - - 6,282,120 0.57% 277.66 161 CITY OF OXFORD, OHIO Computation of Legal Debt Margin Last Ten Years 2013 2014 2015 2016 Assessed Valuation $ 290,726,800 $ 293,575,330 $ 290,552,560 $ 295,908,970 Overall Debt Limit-10'/z%of Assessed Value(1) $ 30,526,314 $ 30,825,410 $ 30,508,019 $ 31,070,442 Amount of Debt Applicable to Debt Limit Total Outstanding Bonded Debt 5,396,115 3,526,808 2,635,591 1,860,966 Less Debt Outside the Limitations (3,751,115) (2,131,808) (1,500,591) (995,966) Debtwithin Limitations 1,645,000 1,395,000 1,135,000 865,000 Less Amount Available in Debt Service - - - - Amount of Debt Subject to Limitations 1,645,000 1,395,000 1,135,000 865,000 Overall Legal Debt Margin $ 28,881,314 $ 29,430,410 $ 29,373,019 $ 30,205,442 Legal Debt Margin as a Percentage of the Debt Limit 94.61% 95.47% 96.28% 97.22% Unvoted Debt Limit-5'/z%of Assessed Value(1) $ 15,989,974 $ 16,146,643 $ 15,980,391 $ 16,274,993 Amount of Debt Applicable to Debt Limit Total Outstanding Bonded Debt 5,396,115 3,526,808 2,635,591 1,860,966 Less Debt Outside the Limitations (3,751,115) (2,131,808) (1,500,591) (995,966) Debtwithin Limitations 1,645,000 1,395,000 1,135,000 865,000 Less Amount Available in Debt Service - - - - Amount of Debt Subject to Limitations 1,645,000 1,395,000 1,135,000 865,000 Unvoted Legal Debt Margin $ 14,344,974 $ 14,751,643 $ 14,845,391 $ 15,409,993 Unvoted Legal Debt Margin as a Percentage of the Unvoted Debt Limit 89.71% 91.36% 92.90% 94.69% Source: Butler County Auditors Office (1) Ohio Bond Law sets a limit of 10'/2%for overall debt and 5'/2%for unvoted debt. 162 2017 2018 2019 2020 2021 2022 $ 299,506,130 $ 323,527,790 $ 326,336,430 $ 332,069,170 $ 388,925,590 $ 392,645,360 $ 31,448,144 $ 33,970,418 $ 34,265,325 $ 34,867,263 $ 40,837,187 $ 41,227,763 1,085,539 5,100,000 6,960,000 6,595,000 6,215,000 5,830,000 (495,539) 590,000 5,100,000 6,960,000 6,595,000 6,215,000 5,830,000 590,000 5,100,000 6,960,000 6,595,000 6,215,000 5,830,000 $ 30,858,144 $ 28,870,418 $ 27,305,325 $ 28,272,263 $ 34,622,187 $ 35,397,763 98.12% 84.99°/a 79.69% 81.09% 84.78% 85.86% $ 16,472,837 $ 17,794,028 $ 17,948,504 $ 18,263,804 $ 21,390,907 $ 21,595,495 1,085,539 5,100,000 6,960,000 6,595,000 6,215,000 5,830,000 (495,539) - - - - - 590,000 5,100,000 6,960,000 6,595,000 6,215,000 5,830,000 590,000 5,100,000 6,960,000 6,595,000 6,215,000 5,830,000 $ 15,882,837 $ 12,694,028 $ 10,988,504 $ 11,668,804 $ 15,175,907 $ 15,765,495 96.42% 71.34% 61.22% 63.89°/a 70.95% 73.00% (continued) 163 CITY OF OXFORD, OHIO Pledged Revenue Coverage Last Ten Years (Mortgage Revenue) General Obligation Bonds - Water Water Less: Debt Service (1) Service Operating Net Available Year Charges Expenses Revenue Principal Interest Coverage 2013 $ 2,604,633 $ 1,827,926 $ 776,707 $855,000 $ 34,500 87.00% 2014 2,483,551 1,866,440 617,111 - - 2015 2,749,843 1,817,685 932,158 - - 2016 2,617,159 1,952,227 664,932 - - 2017 2,687,517 1,839,890 847,627 - - 2018 2,739,408 2,274,827 464,581 - - 2019 2,787,337 2,357,930 429,407 - - 2020 2,618,159 1,980,581 637,578 - - 2021 2,676,958 968,376 1,708,582 - - 2022 2,797,050 2,235,647 561,403 - - Source: City of Oxford Finance Department 164 OWDA Loans - Sewer Sewer Less: Debt Service Service Operating Net Available Year Charges Expenses Revenue Principal Interest Coverage 2013 $ 2,819,071 $ 1,898,556 $ 920,515 $ 446,589 $ 114,632 164.00% 2014 2,690,852 2,029,114 661,738 484,487 76,734 118.00% 2015 2,848,546 1,972,901 875,645 504,625 56,596 156.00% 2016 2,795,229 2,274,686 520,543 500,427 60,794 93.00% 2017 2,777,085 2,471,731 305,354 495,539 65,682 54.00% 2018 2,899,814 2,382,978 516,836 - - 2019 2,996,960 2,727,396 269,564 - - 2020 2,701,977 2,638,327 63,650 - - 2021 2,831,338 1,491,583 1,339,755 - - 2022 2,872,783 2,042,874 829,909 - - OWDA Loans - Refuse Refuse Less: Debt Service Service Operating Net Available Year Charges Expenses Revenue Principal Interest Coverage 2013 $ 1,780,928 $ 2,356,102 $ (575,174) $ 272,188 $ 27,655 -192.00% 2014 1,818,788 1,464,864 353,924 146,730 3,192 236.00% 2015 1,703,011 1,311,593 391,418 - - 2016 1,636,438 1,425,432 211,006 - - 2017 1,593,752 1,426,690 167,062 - - 2018 1,568,862 1,502,449 66,413 - - 2019 1,549,790 1,650,835 (101,045) - - 2020 1,569,461 1,620,375 (50,914) - - 2021 1,605,108 1,546,784 58,324 - - 2022 1,581,121 1,714,741 (133,620) - - 165 CITY OF OXFORD, OHIO Demographic and Economic Statistics Last Ten Years Per Capita Personallncome Personal Unemployment Year Population (1) (in thousands) Income Rate (2) 2013 21,351 $ 268,616,931 $ 12,581 6.90% 2014 21,470 320,976,500 14,950 4.80% 2015 21,782 323,027,060 14,830 4.20% 2016 22,104 350,171,568 15,842 4.20% 2017 22,341 361,857,177 16,197 4.10% 2018 22,859 363,092,356 15,884 4.00% 2019 22,885 389,594,240 17,024 4.50% 2020 23,110 412,629,050 17,855 4.40% 2021 23,035 430,593,255 18,693 4.40% 2022 22,625 422,929,125 19,184 3.50% Sources: (1) 2020 US Census Bureau; 2012 - 2020 US Census Population Estimates (2) Ohio Bureau of Employment Services; rates are for Butler County 166 CITY OF OXFORD, OHIO Principal Employers 2022 and 2013 2022 Percentage of Ranking Employer Nature of Business Withholdings 1 Miami University Education 49.4% 2 Talawanda School District Education 4.1% 3 Schneider Electric Manufacturer 3.9% 4 McCullough Hyde Hospital Hospital 3.8% 5 WalMart Associates, Inc. Retail 2.2% 6 RDI Corporation Marketing 1.6% 7 TriHealth G LLC Healthcare 1.2% 8 City of Oxford Government 1.0% 9 Kroger Retail 1.0% 10 Wildberry Incense Manufacturer 1.0% Total Top Ten Withholdings $ 6,226,283 Total Withholdings $ 8,996,780 2013 Percentage of Ranking Employer Nature of Business Withholdings 1 Miami University Education 54.3% 2 McCullough Hyde Hospital Hospital 5.5% 3 Talawanda School District Education 3.8% 4 Schneider Electric USA Inc Manufacturing 3.4% 5 City of Oxford Government 2.1% 6 Onesource Employee Managem Healthcare 1.5% 7 Kroger Limited Partnership Retail 1.3% 8 WAL-MART Associates, Inc. Retail 1.3% 9 RDI Marketing Services Inc. Marketing 0.8% 10 Monarch Construction Co. Construction 0.5% Total Top Ten Withholdings $ 5,353,559 Total Withholdings $ 7,185,618 Source: 2022 - Regional Income Tax Agency 167 CITY OF OXFORD, OHIO City Government Employees by Function/Activity Last Ten Years 2013 2014 2015 2016 2017 General Government Office of the City Manager 4.00 3.50 4.00 4.00 4.00 Finance Department 7.50 7.50 7.50 7.00 7.00 Law Department 1.00 1.00 1.00 1.00 1.00 Management Information Systems Community Environment Economic Development 1.00 1.00 1.00 1.00 1.00 Community Development 5.00 5.00 5.00 5.00 5.00 Leisure Time Activities Parks and Recreation 21.75 20.25 20.25 20.25 20.25 Security of Persons and Property Police Division 50.00 50.00 50.00 50.00 50.00 Fire Division 52.00 52.00 52.00 55.00 58.00 Public Service Administration 7.50 7.50 7.50 7.50 7.50 Streets and Maintenance 16.50 16.50 16.50 16.50 16.50 Wastewater Division 13.00 13.00 13.00 13.00 13.00 Water Division 10.00 10.00 10.00 10.00 10.00 Total 189.25 187.25 187.75 190.25 193.25 Method: 1.00 for each full-time, 0.50 for each part-time and 0.25 for each seasonal employee Source: City of Oxford HR Department 168 2018 2019 2020 2021 2022 4.00 4.50 6.50 8.00 6.00 7.00 7.00 7.00 7.00 7.00 1.00 0.00 0.00 0.00 0.00 1.00 1.00 0.00 0.00 1.00 5.50 5.00 5.00 5.00 5.00 20.25 25.25 26.25 26.25 28.50 50.00 45.50 46.50 46.50 44.00 61.00 61.00 61.00 43.00 32.00 7.50 7.50 7.50 8.50 8.50 17.50 17.50 18.75 24.25 18.75 13.00 13.00 13.00 13.50 13.00 10.00 10.00 10.00 10.25 10.00 197.75 197.25 201.50 192.25 173.75 (continued) 169 CITY OF OXFORD,OHIO Operating Indicators by Funcfion/Activity Last Ten Years 2013 2014 2015 2016 2017 General Government Legislative and Executive City Council Number of ordinances 66 35 43 50 34 Number of resolutions 82 78 77 77 96 Number of ineetings 23 26 30 30 69 Management Information Systems Number of devices 181 181 181 181 186 Finance Department-Purchasing Number of bid contracts awarded 9 7 9 6 14 Number of purchase orders issued 394 336 370 387 435 Risk Management Number of claims 11 9 9 6 7 Public Safety Enforcement Number of incidents reported 1,736 1,748 1,629 1,767 2,017 Number of accidents investigated 346 402 364 388 308 Number of parking citations 13,300 13,981 11,606 13,367 12,436 Number of traffic non-moving citations 144 115 115 128 252 Number of traffic moving citations 710 1,028 807 853 883 Number of minor misdemeanor citations 380 382 288 351 489 Number of DUI citations 74 67 35 38 39 Number of arrests 1,095 1,058 613 491 1,342 Number of OPD CFS(calls for service) 24,207 21,979 17,991 18,454 21,821 Number of parking meters 779 779 779 779 779 Emergency Medical Services Number of emergency responses 2,326 2,486 2,711 2,863 3,253 Public Works Engineer Miles of roads resurfaced 2.99 2.63 2.87 3.07 0.00 Number of bridges replaced/improved 0.00 0.00 1.00 2.00 0.00 Number of culverts built/replaced/improved 0.00 0.00 1.00 1.00 0.00 Water District Annual water treated(in miuion qauons) 838.50 716.20 681.87 723.28 740.74 Number of tap-ins 16 21 36 26 25 Number of customers 4,517 4,468 4,554 4,580 4,711 Miles of water mains 74.99 74.99 74.99 74.99 76.02 Sewer District Annual sewage treated(in miuion qauons) 910.00 893.00 903.00 841.00 895.00 Number of tap-ins 9 13 14 12 13 Number of customers 4,313 4,274 4,245 4,275 4,392 Miles of sanitary sewers 67.18 67.18 67.18 67.18 68.19 Parks and Recreation Parks Number of parks 11 11 11 11 11 Acreage developed 128.95 128.95 128.95 128.95 128.95 Acreage undeveloped 23.00 23.00 23.00 23.00 23.00 Community and Economic Development Number of contacts 52 45 42 48 36 Number of projects 20 12 12 15 12 Number ofjobs created 70.00 (24.00) 4.00 132 24 Building Department Number of permits issued 556 555 520 1,017 929 Number of inspections performed 1,027 1,249 1,221 1,381 2,443 Source: City of Oxford Departmental Staff 170 2018 2019 2020 2021 2022 48 39 57 53 46 105 109 100 122 92 35 33 27 29 34 266 288 303 318 208 8 15 6 10 9 466 461 616 449 479 8 10 7 8 8 1,645 1,457 1,259 1,590 1,387 361 268 185 278 289 11,617 13,385 9,482 15,654 20,436 217 195 114 117 134 694 611 536 668 509 249 208 90 187 168 42 69 39 81 65 1,274 1,058 764 1,013 �� 21,074 18,074 12,399 18,638 17,954 779 779 779 750 756 3,211 3,046 2,417 3,106 3,221 3.04 3.01 3.92 3.61 4.70 1.00 0.00 2.00 0.00 0.00 1.00 1.00 0.00 2.00 0.00 845.00 892.00 696.00 701.00 729.12 23 24 19 19 30 4,783 4,796 4,870 4,930 4,928 76.88 77.25 77.67 77.99 78.42 995.00 969.00 821.00 842.00 861.00 12 13 12 13 15 4,470 4,479 4,556 4,612 4,606 69.04 69.37 69.39 69.71 69.71 11 11 11 11 11 128.95 128.95 128.95 128.95 128.95 23.00 23.00 23.00 23.00 23.00 60 48 48 55 70 20 18 18 16 11 56 52 52 22 43 700 660 549 465 421 1,469 1,586 1,209 1,075 1,066 (continued) 171 CITY OF OXFORD, OHIO Capital Asset Statistics by Function/Activity Last Ten Years 2013 2014 2015 2016 2017 General Government Legislative and Executive City Council Administrative office space (sq. ft.) 300.00 300.00 300.00 300.00 300.00 City Manager's Office Administrative office space 460.00 460.00 460.00 460.00 460.00 Finance Department Administrative office space 821.00 821.00 821.00 821.00 821.00 Management Information Systems Administrative office space 221.00 221.00 221.00 221.00 221.00 Public Safety Police Jail capacity 11 11 11 11 11 Number of patrol vehicles 32 28 31 31 30 Fire Number of fire fighting vehicles 4 4 4 4 4 Emergency Medical Services Number of stations 1 1 1 1 1 Number of emergency squads 3 3 3 3 3 Public Service Engineer Centerline miles of roads 53.76 53.76 54.00 54.00 55.70 Number of bridges 1 1 1 2 2 Number of culverts 20 20 20 20 20 Number of vehicles 3 3 3 3 3 Water District Number of treatment facilities 1 1 1 1 1 Miles of water lines 74.99 74.99 74.99 74.99 76.02 Sewer District Number of treatment facilities 1 1 1 1 1 Number of pumping stations 1 1 1 1 1 Miles of sewer lines 67.18 67.18 67.18 67.18 68.18 Parks and Recreation Parks Number of parks 11 11 11 11 11 Acreage developed 128.95 128.95 128.95 128.95 128.95 Acreage undeveloped 23.00 23.00 23.00 23.00 23.00 Miles of trails 5.86 5.86 5.86 5.86 7.52 Community and Economic Development Number of related infrastructure projects 1 0 1 1 2 Building Department Administrative office space 306.00 306.00 306.00 306.00 306.00 Source: City of Oxford Departmental Staff 172 2018 2019 2020 2021 2022 300.00 300.00 300.00 300.00 300.00 768.00 768.00 768.00 768.00 768.00 1,080.00 1,080.00 1,080.00 1,080.00 1,080.00 336.00 336.00 336.00 336.00 336.00 11 11 11 11 11 30 30 30 24 24 5 3 3 3 3 1 1 1 1 1 3 3 3 3 3 55.70 56.07 56.49 56.81 57.24 2 2 3 3 3 20 20 20 20 21 3 3 3 3 3 1 1 1 1 1 76.88 77.25 77.67 77.99 78.42 1 1 1 1 1 1 1 1 1 1 69.04 69.37 69.39 69.71 69.71 11 11 11 11 11 128.95 128.95 128.95 128.95 128.95 23.00 23.00 23.00 23.00 23.00 7.52 7.52 8.87 8.87 8.87 3 3 4 4 3 1,315.00 1,315.00 1,315.00 1,315.00 1,315.00 (continued) 173 CITY OF OXFORD THIS PAGE IS INTENTIONALLY LEFT BLANK 174