HomeMy WebLinkAboutTruckee Meadows Water Authority - Public Financial ReportPo
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Chalk Bluff Water Treatment Plant
(Cover image: Fleish Bridge over the Truckee River)
This Popular Annual Financial Report is based on accounting standards and
audited information that is fully represented in TMWA’s Annual Comprehensive
Financial Report, which can be found at tmwa.com/financial-information.
TO OUR CUSTOMERS
Since TMWA was formed in 2001, our focus has always been to deliver
drinking water of exceptional quality to our community. While much has
changed in the past twenty years, this commitment has not waivered.
Our priority is maintaining a highly efficient, dependable drinking water
system that can scale with the needs of the Truckee Meadows. This requires
coordinated internal planning and diligent management of our water resources,
facilities, and finances, so when new challenges or opportunities emerge,
TMWA can respond.
As you read on, you will learn more about TMWA’s current financial position
and key investments we have made and are preparing for in the coming months
and years.
This report is a summary overview of the more extensive Annual
Comprehensive Financial Report, which is audited and presented to TMWA’s
Board of Directors each fall for approval, and is then filed with the Nevada
Department of Taxation. An archive of all reports, along with policy overviews,
is available to the public (tmwa.com/financial-information).
We are honored to serve our customers through this community-owned water
utility and appreciate your interest in TMWA’s finances.
Michele Sullivan
Chief Financial Officer
Truckee Meadows Water Authority
2021 POPULAR ANNUAL FINANCIAL REPORT
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20 YEARS OF COMMUNITY
MARK FOREE, PE
General Manager
JOHN ZIMMERMAN, ESQ.
Assistant General Manager
MICHELE SULLIVAN, CPA
Chief Financial Officer
SCOTT ESTES, PE
Director of Engineering
PAT NIELSON
Director of Distribution,
Maintenance, and Generation
JOHN ENLOE, PE
Director of Natural Resources
Planning, and Management
ANDY GEBHARDT
Director of Operations
and Water Quality
SENIOR MANAGEMENT
When Sierra Pacific Power Company announced plans
to sell its water utility division, it generated attention in
the marketplace and concern by residents of the Truckee
Meadows. Up to that point, the power company had been
the primary water provider to the region for over 70 years.
With the intent of controlling its own water resource
destiny, elected leaders in Reno, Sparks, and Washoe County
collaborated to establish a “joint-powers agreement”
and issued $452 million in revenue-backed bonds to purchase
the utility from Sierra Pacific in June 2001.
The initial funds not only secured the
purchase of the water company and its
related assets but also, and perhaps more
critically, maintained local control of
water resources in the Truckee Meadows.
Fleish Hydroelectric Plant flume conveyance along the Truckee River.
TRUCKEE MEADOWS WATER AUTHORITY
5
TRUCKEE MEADOWS WATER AUTHORITY’S MULTI-JURISDICTIONAL GOVERNING BOARD
Truckee Meadows Water Authority (TMWA) is a not-for-
profit, community-owned water utility. With joint-powers
authority, TMWA’s Board of Directors is comprised of
seven elected officials and citizen appointees from Reno,
Sparks, and Washoe County. TMWA has no financial
interdependence with any of its member agencies.
While representing each jurisdiction, board members
collectively make policy decisions and issue directives with
a regional perspective, to ensure TMWA’s customers have
access to sustainable, high-quality drinking water for the near
term and for decades to come.
VAUGHN HARTUNG
Chairman
Washoe County
Commissioner
NAOMI DUERR
Director
Reno City Council Member
KRISTOPHER DAHIR
Vice Chairman
Sparks City Council Member
JENNY BREKHUS
Director
Reno City Council Member
ALEXIS HILL
Director
Washoe County Commissioner
PAUL ANDERSON
Director
Sparks City Council Member
NEOMA JARDON
Director
Reno City Council Member
2021 POPULAR ANNUAL FINANCIAL REPORT
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4 100%
131,296
$739m
440,000+165.9sq. mi.
2,755 $1,021m
$115.4m
Aa2
$12.3m
AA
$98.2m
AA+
200+
YOUR WATER AUTHORITY
TMWA provides drinking water to over 440,000 residents
in Reno, Sparks, and Washoe County — a service area that
stretches 165.9 square miles. The primary source of water
is the Truckee River, which flows from Lake Tahoe and
other tributaries in the watershed upstream of the Truckee
Meadows. The lowest elevation point in TMWA’s distribution
infrastructure is 3,983 feet, and the highest point is 6,676 feet,
which is above the elevation of Lake Tahoe.
Number of water
treatment facilities
Customer accounts
Capital asset investment
since 2001
Operating revenue
Moody’s
Interest expense
Fitch
Operating expenses
S&P
Total capital assets
Maximum drinking water
production capacity
Million Gallons per Day (MGD)
Residents Service area
Miles of pipeline
Safe Drinking Water Act compliance
FINANCIAL RATINGS
FY 2021 PERFORMANCE
WHO WE SERVE
WATER DELIVERY
ASSETS
TRUCKEE MEADOWS WATER AUTHORITY
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MEETING OUR OBLIGATIONS
By issuing bonds to purchase Sierra Pacific Power Company’s water business in 2001, TMWA became responsible
for the debt repayment of $452 million. TMWA’s diligent and strategic management of its financial obligations since
then is part of the reason Moody’s, S&P, and Fitch have upgraded TMWA’s ratings over the years.
This disciplined approach has been successful. Over the past decade, TMWA has reduced interest expense by nearly 50%
and has paid down its principal by $117 million. As of June 30, 2021, TMWA’s total outstanding debt was $392 million.
An important aspect of this pay-down strategy has been accomplished through the refunding of older bonds and
issuing newer ones at a lower interest rate. Proactive approaches like this have helped strengthen TMWA’s financial
ratings, while also paying off debt faster.
TMWA’S REDUCED INTEREST EXPENSE OVER THE PAST 10 YEARS
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
$21.8M $21.8M $21.3M $21.3M $21.5M
$17.0M
$13.3M $12.7M $12.3M
The Truckee River flows through downtown Reno.
$11.7M$11.7M
2021 POPULAR ANNUAL FINANCIAL REPORT
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TMWA FINANCIAL MILESTONE TIMELINE
JUNE 11, 2001
First day of operations.
TMWA’s hydroelectric plants generate
a clean, renewable source of energy
that can also significantly offset the
utility’s operational costs. In 2021,
hydroelectric sales generated $2.8M in
revenue for TMWA.
Highland Canal Improvement
goes online, relocating the
most vulnerable section of the
conveyance underground.
2013
Earthquake badly damages Highland
Canal, the main intake to Chalk
Bluff Treatment Plant. Service to
customers maintained by emergency
pumping directly from river.
2008
Hydro-electric plants
come under TMWA
ownership.
2002
2005
Main line distribution
improvement into Spanish
Springs and North Valleys.
2013
Director’s Award from the
Partnership for Safe Water
first awarded to TMWA.
Water conveyance flume to Fleish Hydroelectric
Plant rerouted as an underground tunnel.
2014
A 1,200-foot tunnel was constructed
to replace a section of flume that was
consistently damaged by rockfall.
2015
Customers are converted to
metered rates, a process that
took nearly 30 years.
Installation of water meters
increased customer awareness of
usage and is a big reason why per
capita water use has decreased.
TRUCKEE MEADOWS WATER AUTHORITY
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This seasonal treatment plant will be
capable of supplementing the Truckee
River supply and will contribute to
TMWA’s Conjunctive Use strategy for
water resource management.
This significant investment increased TMWA’s
total amount of water rights held in Donner Lake
to 9,500 acre feet.TMWA leveraged CP as
a unique, variable rate
funding mechanism to
buy water rights and build
infrastructure during the
2008 recession.
Truckee River Operating
Agreement (TROA)
implemented, significantly
improving drought
protection.
2015
Mt. Rose Water Treatment Plant
construction begins adjacent to
Whites Creek in south Reno.
2018
Bureau of Reclamation awards
TMWA $900,000 to conduct
regional climate-change study.
2019
Collaboration with OneWater
Nevada to establish viability
of producing A+ Advanced
Purified Water.
2020
TMWA consolidates with two
local water utilities, increasing
the customer base by 24,800
2015
2021
Refunding of
Commercial Paper (CP)
Program secures fixed
rate loan of 1.19%.
Fish Springs Pipeline tie-in expands
water supply and improves water
quality for the North Valleys.
2016
2016
Upstream water storage expands with
purchase of Donner Lake for $17.5M.
2018
Acquired assets of West Reno
Water Company in Verdi, NV
(15 miles west of Reno).
2019
Glendale Water Treatment
Plant intake was repaired and
improved with FEMA funding
after flood damage in 2017.
2021 POPULAR ANNUAL FINANCIAL REPORT
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STATEMENT OF NET POSITION (in millions)
TOTAL ASSETS
($1,276.4)
TOTAL LIABILITIES
($469.1)
CURRENT LIABILITIES
($47.2)
Net Position provides a point-in-time ‘snapshot’ of the
financial status for governmental organizations. Much like
a balance sheet, Net Position provides insight into what
government agencies own (assets), and what they owe
(liabilities) at the end of each fiscal year.
2021 2020 2019
Unrestricted Current Assets 192.8 168.7 171.1
Restricted Current Assets 31.1 27.7 15.7
Long-Term Restricted and Other Assets 27.3 29.8 29.5
Net OPEB Asset 3.4 2.3 -
Capital Assets, net 1,021.8 1,007.7 980.7
Total Assets 1,276.4 1,236.2 1,197.0
Deferred Outflow of Resources 12.8 14.9 14.1
Total Assets and Deferred Outflow of Resources 1,289.2 1,251.1 1,211.1
Total Current Liabilities 47.2 47.9 47.1
Long Term Debt Outstanding 376.3 383.3 401.7
Net Pension and Other Current Liabilities 45.6 43.5 41.6
Total Liabilities 469.1 474.7 490.4
Deferred Inflow of Resources 6.0 6.7 2.5
Net Investment in Capital Assets 649.1 617.5 573.2
Restricted 50.7 50.0 37.6
Unrestricted 114.4 102.2 107.3
Total Net Position 814.2 769.7 718.1
THE BIG PICTURE ON TMWA’S FINANCIAL POSITION
AT-A-GLANCE (in millions)
$197.1
$2.5$1.8 $1.3$57.5
$47.2
$1,021.8
$421.9 $23.7
$9.0
$8.9
Unrestricted Assets
Restricted Assets
Capital Assets
Long-term Liabilities
Current Liabilities
Supplier
Debt and Interest
Contingent Liabilities
Deposits
Employee Benefits
Collected on Behalf of Others
TRUCKEE MEADOWS WATER AUTHORITY
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EXPLANATION OF TERMS (See more formal accounting definitions in Appendix)
UNRESTRICTED ASSETS: Assets such as cash,
accounts receivable, deposits, and prepaid expenses that
can be used and managed with flexibility.
RESTRICTED ASSETS: Assets that must be used for
specific purposes, primarily the repayment of debt.
CAPITAL ASSETS: Fixed physical assets, such as water
mains, treatment plants, pump and pressure regulating
stations, water tanks, vehicles, etc.
DEFERRED FLOW OF RESOURCES: Accounting for
revenue or expenses that will occur in the future.
TOTAL NET POSITION: Represents the balance of a
governmental organization’s assets against its liabilities.
OPERATING REVENUES: Money generated from
water, hydroelectric, and other operating sales. From this
amount, operating expenses are subtracted to determine
operating income.
OPERATING EXPENSES: Costs that are directly
associated with day-to-day operation, such as wages,
benefits, and supplies.
NONOPERATING REVENUE OR EXPENSES: Income
or costs that are not directly attributable to core business
operations (i.e., interest expense and investment income).
CAPITAL CONTRIBUTIONS: Grant proceeds or funds
that are invested into TMWA’s infrastructure.
CHANGES IN NET POSITION (in millions)
Changes in Net Position (formally, the Statement of
Revenues, Expenses and Changes in Net Position) is a
financial statement that focuses on a particular time period,
which for TMWA is always during its fiscal year from July 1
to June 30. Much like an income statement, it focuses on four
key items—revenue, expenses, gains (through contributions),
and losses.
CHANGES IN NET POSITION
2021 2020 2019
Operating Revenues 115.4 108.1 107.1
Operating Expenses 98.2 94.1 92.5
Operating Income 17.2 14.0 14.6
Nonoperating Revenues (Expenses), net -14.1 -6.6 -6.7
Income before Capital Contributions 3.1 7.4 7.9
Capital Contributions 41.4 44.2 42.2
Change in Net Position 44.5 51.6 50.1
Net Position — Beginning of Year 769.7 718.1 668.0
Net Position — End of Year 814.2 769.7 718.1
To view TMWA’s complete financial statements, visit the Annual Comprehensive Financial Report at tmwa.com/financial-information.
2021 POPULAR ANNUAL FINANCIAL REPORT
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DEVELOPERS FUND GROWTH (in millions)
Neither TMWA nor its customers underwrite or pay for
new infrastructure needed for residential or commercial
development. To protect ratepayers from the short and long-
term costs of service-area expansion, cash and infrastructure
contributions from developers are required. Over the past
five years, total developer contributions for new growth have
exceeded $193 million.
New development projects are approved by the county
and cities. Before building can begin, water rights must be
dedicated to TMWA. For each acre-foot of surface water
needed to serve new development, an additional 11% of
water rights is required and must be dedicated to TMWA for
drought storage.
INCOMING: WATER SALES PROVIDE 95% OF TMWA’S OPERATING REVENUE
GROWTH PAYING FOR GROWTH
Cash Contributions
Infrastructure Funded
2017 2018 2019 2020 2021
TOTAL OPERATING REVENUE
($115.4M)
WATER SALES BREAKDOWN
$81.5M RESIDENTIAL SALES
$12.0M COMMERCIAL SALES
$15.0M IRRIGATION & FIRE PROTECTION
$1.3M WHOLESALE WATERWater Sales
Hydroelectric Sales
Other Operating Sales
$2.8M $2.8M
$109.8M
$10.8
$19.5
$15.0
$10.2
$22.0 $22.2 $23.1
$19.1 $20.1
$31.0
TRUCKEE MEADOWS WATER AUTHORITY
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Spending at TMWA, which affects customer rates, is allocated among specific categories. These allocations are shown below,
represented as cents on the dollar.
OUTGOING: HOW TMWA SPENDS BY THE DOLLAR
SALARIES, WAGES & EMPLOYEE BENEFITS
Compensation paid to our workforce in performing
TMWA’s day-to-day operations.
SERVICES & SUPPLIES
Non-payroll related expenses of day-to-day operations,
(i.e., treatment supplies, infrastructure maintenance,
distribution, customer service, etc.)
PRINCIPAL & INTEREST ON CUSTOMER RELATED DEBT
Principal and interest payments on all loans outstanding
except those associated with service territory expansion.
REHABILITATIVE CAPITAL SPENDING
The cost of replacing and maintaining existing capital
assets, (i.e., water treatment plants, infrastructure
replacements, storage tanks, etc.)
EMPLOYEE SALARIES & WAGES SERVICES & SUPPLIES REHABILITATIVE CAPITAL SPENDING
EMPLOYEE BENEFITS
PRINCIPAL & INTEREST PAYMENTS (CUSTOMER RELATED DEBT)
$0.19 $0.25 $0.22
$0.10 $0.24
EXPLANATION OF EXPENSES
2021 POPULAR ANNUAL FINANCIAL REPORT
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KEEPING WATER FLOWING
CAPITAL SPENDING BY CATEGORY
ASSET LIFE CYCLES (Maximum estimated years)
Day or night, when customers turn on their taps, they expect
the water to flow. This means 24/7 operations for TMWA.
With a consistently operating system, there is almost always
something within our extensive infrastructure that requires
maintenance, rehabilitation, or replacement.
Although maintenance needs and planned project expenses
can shift each year, TMWA’s primary infrastructure
investments usually go into three categories: 1) Wells, pump
stations and pressure regulators; 2) Mains and services; and 3)
Water storage and treatment plants.
Vehicles, Technology and Administrative Assets
Water Storage and Treatment PlantsMains and Services Hydroelectric AssetsWells, Pump Stations and Pressure Regulators
Computer hardware/software
Vehicles Meters Pressure stations Canals Wells Treatment Plants Pump Stations Distribution Mains Tanks
2017
$31.7M
2018
$30.7M
2019
$42.5M
2020
$42.0M
2021
$37.9M
7 YEARS 10 YEARS
20 YEARS
50 YEARS 50 YEARS 50 YEARS 50 YEARS 50 YEARS
60 YEARS 60 YEARS
$5.9M $6.7M $11.0M $9.1M $5.3M
$8.5M $4.2M $20.2M $0.1M
$0.2M
$1.7M $11.4M $16.7M $3.4M
$5.0M $8.3M $10.4M
$2.3M $9.3M $11.4M $3.1M
$9.0M
$9.2M
$6.9M
$5.6M
TRUCKEE MEADOWS WATER AUTHORITY
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ADVANCING OUR WATER SYSTEM & SERVICES
Mount Rose Water Treatment Plant — Online Spring 2022.
Mount Rose Water Treatment Plant is a major capital
investment that bolsters TMWA’s conjunctive-use strategy,
which promotes using surface water whenever possible to
help optimize groundwater storage.
Before TMWA’s 2015 consolidations with Washoe County
Department of Water Resources and South Truckee Meadows
General Improvement District, the only source of drinking
water in the Mt. Rose and Galena fan areas was groundwater,
which had been in continual decline since the 1990s. Upon
acquisition of these systems, TMWA quickly focused on
increasing surface water distribution into the area. Through
the construction of water mains and booster stations, water
treated from the Truckee River now reaches the Arrowcreek,
Callahan Ranch, Montreux, and Saddlehorn neighborhoods.
The location of the Mount Rose facility reduces the cost of
delivering surface water to these neighborhoods as well, while
further improving water resource reliability for both TMWA
customers and domestic well owners. Total production from
Whites Creek will vary seasonally, as permits from the Nevada
State Engineer require TMWA leave enough flow in the creek
to maintain wildlife and habitat needs, as well as downstream
irrigation requirements. Diversions to the plant will be
reduced or eliminated when creek flows are low.
With more surface water added to TMWA’s supply, it
will allow more wells to rest which also helps facilitate
groundwater recharge. The results have been promising,
with groundwater levels in the Mt. Rose and Galena fan
aquifers rising over 10-20 feet under TMWA’s conjunctive-
use approach.
NEW CUSTOMER INFORMATION SYSTEM LAUNCHES
In direct response to customer feedback, TMWA modernized its Customer Information System in March. This
transition was a complete transformation: It increased bill payment options, enhanced visibility into water usage and
created more efficiency for TMWA’s customer service and billing operations.
SPRING 2021
TMWA Drinking Water Treatment Plants – Maximum capacity levels (in millions of gallons/day)
CHALK BLUFF (SURFACE WATER)
GLENDALE (SURFACE WATER)
MT. ROSE (SURFACE WATER)
0 9 0 0 mgd
0 3 4 5 mgd
0 0 4 0 mgd
2021 POPULAR ANNUAL FINANCIAL REPORT
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OUTPERFORMING NATIONAL BENCHMARKS
Each year, TMWA reviews its operational performance
against benchmarking standards defined by the American
Water Works Association (AWWA), which has a membership
of over 4,300 that represents 80% of the water utility
companies in the US. TMWA sets its performance goal
targets to meet or exceed AWWA’s top quartile benchmarks.
FINANCIAL EFFECTIVENESS
Financial effectiveness is measured by the change in net
position divided by total assets. This demonstrates an
organization’s ability to use its assets to generate income.
When financial effectiveness percentages are positive, an
organization is in a strong position to secure capital for major
projects. TMWA frequently exceeds AWWA benchmarks for
financial effectiveness as demonstrated in the chart below.
TMWA’S FY 2021 AWARDS
WORKFORCE EFFICIENCY
NUMBER OF TMWA CUSTOMERS PER ONE EMPLOYEE
“Utility of the Future, Today” Award by
the Water Research Foundation
TMWA is one of only 65 water utilities
nationwide to be honored with the award, which
highlights transformational work in community
engagement, watershed stewardship, and
resource management.
“Five-year Presidents Award for Water
Treatment” by the Partnership for
Safe Water
TMWA’s Chalk Bluff Water Treatment Plant
continues to be nationally recognized for
its long-term commitment to optimizing
operations and achieving outstanding
performance.
“Hydroelectric Project of the Year” Award
by American Public Works Association
(Nevada Chapter)
Recognized in the category of Historic
Restoration, this unique and challenging project
included the replacement of several components
of the Fleish flume, overflow and turbine-
tailpiece structures.
3.5%3.2%
4.2%4.2%
2019 2020 2021
4.5
4.0
3.5
3.0
2.5
2.0
1.5
1.0
0.5
0.0
MOST RECENT AWWA TOP QUARTILE BENCHMARK FOR FY 2021
Measured by the ratio of
customer accounts to employee,
TMWA is consistently near or
above the top quartile of utility
performance nationwide.
2021
2020
2019
598
587
529
75% OF ALL UTILITIES 50% OF ALL UTILITIES 25% OF ALL UTILITIES
TRUCKEE MEADOWS WATER AUTHORITY
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INTEGRATING IT ALL
RESOURCES
PLAN
FACILITY
PLAN
FUNDING PLAN
CUSTOMER RATES FACILITY CHARGE
This report is a high-level overview of TMWA’s Annual Comprehensive Financial
Report, which offers a detailed review of multiple financial statements, as well as
the policies that guide TMWA’s approach to managing funds.
This annual financial report gives insight into the fiscal health of TMWA’s
operations year after year. Beyond annual financial reporting, TMWA has an
integrated planning approach across three areas of focus: Funding, Facilities,
and Water Resources.
TMWA’s Funding Plan projects into the next five years, whereas the Facility and
Water Resource Plans look 20+ years into the future. Although these are three
distinct planning efforts, the implementation of the plans is integrated.
For example:
The Water Resource Plan estimates water supply and demand, giving insight
into the facility capacity that will be needed for TMWA’s future infrastructure.
The Facility Plan identifies the condition of TMWA’s existing capital assets and
project expansions needed to meet future growth, as identified in the Water
Resource Plan. Facility charges are calculated based on the Facility Plan and
are what builders and developers pay to connect new construction to the water
system. This keeps customer rates protected from the cost of new developments, ensuring growth pays for growth.
The Funding Plan is a five-year operations plan that also incorporates the Five-Year Capital Improvement Plan. It is a
thorough analysis of all revenues and expenses, as well as any capital improvements and infrastructure needed—with an
assessment of overall spending and identification of funding options.
This integrated planning approach is how TMWA can both ensure the delivery of high-quality drinking water while keeping
customer rates as low as possible for years to come. To see all of TMWA’s most recent plans, go to tmwa.com/planning.
Pyramid Lake — The terminus of the Truckee River watershed.
2021 POPULAR ANNUAL FINANCIAL REPORT
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APPENDIX
FINANCIAL RATINGS DEFINED
ADDITIONAL HELPFUL DEFINITIONS
CAPITAL ASSETS: Significant pieces of property with a
useful life longer than one year that are not intended for sale.
These are recorded as an asset on Net Position statements and
expensed over time through depreciation.
UNRESTRICTED ASSETS: Cash or other valuable items
that may be used by an organization for general expenses or
any legitimate purpose.
RESTRICTED ASSETS: Cash or other valuable items that
must be set aside for a specific purpose or to meet contractual
requirements.
CAPITAL CONTRIBUTIONS: Cash or other assets provided
to an organization. For TMWA, capital contributions are
usually applied to infrastructure expansion or enhancement.
DEFERRED INFLOW OF RESOURCES: An acquisition of
assets that is applicable to a future reporting period.
DEFERRED OUTFLOW OF RESOURCES: A consumption
of assets that is applicable to a future reporting period.
INTEREST: Cost of borrowing money, expressed as a
percentage, based on the principal amount of a loan or deposit.
PRINCIPAL: Outstanding balance of a loan, not including
any accrued interest.
TOTAL NET POSITION: Represents the difference between
1) an entity’s assets plus deferred outflows of resources, and
2) its liabilities plus deferred inflows of resources.
A utility’s bond rating is a grade that indicates its
creditworthiness. Private, independent rating services such as
Standard & Poor’s, Moody’s, and Fitch provide evaluations of
an organization’s financial strength based on its ability to pay
a bond’s principal and interest in a timely fashion.
Bond ratings are expressed as letters ranging from “AAA” or “Aaa” which is the highest grade, to “D” (“junk”), which is the lowest
grade. Different rating services use the same letter grades but use various combinations of uppercase and lowercase letters to
differentiate themselves.
WHERE TMWA STANDS
Bond Rating Rating Category
MOODY’S S&P FITCH
Aaa AAA AAA PRIME
Aa1 AA+AA+
HIGH GRADEAa2AAAA
Aa3 AA-AA-
A1 A+A+
UPPER MEDIUM GRADEA2AA
A3 B A-
Baa 1 2 3 BBB +/-B +/-LOWER MEDIUM GRADE
2021 POPULAR ANNUAL FINANCIAL REPORT
19 Beautiful Lake Tahoe, the source of the Truckee River.