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2008 Management Letter I I I I I I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota TABLE OF CONTENTS REPORT ON MATTERS IDENTIFIED AS A RESULT OF THE AUDIT OF THE FINANCIAL STATEMENTS ......................................................... 1 MATERIAL WEAKNESS................. ......... ........ .............. ..... ............ ................ ....... ....... ......... 3 SIGNIFICANT DEFICIENCy......... ..... ...... ................ ... ....... ..... ..... ..... ...... .... ............. .......... .,. 4 CONTROL DEFICIENCIES. ..... .......... ....... ............ .... ... .... ..... ... ... ......... ..... ....... ........ ........ ..... 5 LEGAL COMPLIANCE FINDINGS ................ ..... ........... ............. .......... ....................... ........ 6 REQUIRED COMMUNICATION .......................................................................................... 7 FINANCIAL ANALYSIS.. .......................... ................ .......... .... ...... ..... ..... ..... ... ....... .... .... ......... 10 I I I I I I I I I I I I I I I I I I I ~DV Expert advice. When you need it. SM REPORT ON MATTERS IDENTIFIED AS A RESULT OF THE AUDIT OF THE FINANCIAL STATEMENTS April 6, 2009 Honorable Mayor and Members of the City Council City of Albertville Albertville, Minnesota In planning and performing our audit of the financial statements of the City of Albertville, Minnesota, as of and for the year ended December 31,2008, in accordance with U.S. generally accepted auditing standards, we considered the City's internal control over financial reporting (internal control) as a basis for designing our auditing procedures for the purpose of expressing our opinion on the financial statements, but not for the purpose of expressing an opinion on the effectiveness of the City's internal control. Accordingly, we do not express an opinion on the effectiveness of the City's internal control. Our consideration of internal control was for the limited purpose described in the preceding paragraph and would not necessarily identify all deficiencies in internal control that might be significant deficiencies or material weaknesses. The deficiencies in internal control we identified are stated within this letter. A control deficiency exists when the design or operation of a control does not allow management or employees, in the normal course of performing their assigned functions, to prevent or detect misstatements on a timely basis. A significant deficiency is a control deficiency, or combination of control deficiencies, that adversely affects the City's ability to initiate, authorize, record, process or report financial data reliably in accordance with U.S. generally accepted accounting principles such that there is more than a remote likelihood that a misstatement ofthe City's financial statements that is more than inconsequential will not be prevented or detected by the City's internal control. A material weakness is a significant deficiency, or combination of significant deficiencies, that results in more than a remote likelihood that a material misstatement of the financial statements will not be prevented or detected by the City's internal control. 1 I I I I I I I I I I I I I I I I I I I ~DV The accompanying memorandum includes financial analysis and recommendations for improvement of accounting procedures and internal control measures that came to our attention as a result of our audit of the financial statements of the City for the year ended December 31, 2008. The matters discussed herein were considered by us during our audit and they do not modify the opinion expressed in our Independent Auditor's Report dated April 6, 2009, on such statements. This communication is intended solely for the information and use of management and the City Council and is not intended to be and should not be used by anyone other than these specified parties. ~~.JJ~uJ~, ~,~. KERN, DEWENTER, VIERE, LTD. Minneapolis, Minnesota 2 I I I I I I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota MATERIAL WEAKNESS December 31, 2008 PRIOR PERIOD ADJUSTMENTS Prior period adjustments were done to correct the 2007 financial statements. An adjustment was done to the General Fund to adjust the beginning due from other governments for an entry that had not been subsequently written off. The beginning balance of contracts payable was adjusted for the closed Capital Projects Fund, as was the beginning accounts receivable and related allowance for doubtful accounts in this Fund. The City determined they would no longer receive the outstanding balance relating to developer receivables. The contracts payable balance was adjusted as the project was not finished, thus the City no longer owed the remaining balance on the contract. Adjustments were made to the beginning accounts payable balance in the Sewer Fund. Adjustments were also required for the beginning accounts receivable balances in the Sewer Fund, Water Fund and the Storm Water Fund. 3 I I I I I I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota SIGNIFICANT DEFICIENCY December 31, 2008 LACK OF SEGREGATION OF ACCOUNTING DUTIES During the year ended December 31, 2008, the City had a lack of segregation of accounting duties due to a limited number of office employees. This lack of segregation of accounting duties can be demonstrated in the following areas, which is not intended to be an all inclusive list: . The Finance Director is able to receive cash receipts at the front window and has read/write access to the general ledger. . The Finance Director verifies purchase orders to invoices and can also enter disbursements into the accounts payable module. Additionally, the Finance Director processes accounts payable, prints and mails checks and reconciles the bank accounts. . The Finance Director posts utility billing information into the general ledger, has the ability to make adjustments to bills and maintains customers and rates. . The Administrative Assistant II manually enters some meter readings, calculates the utility billings, maintains customer accounts, enters credit card payments from the counter, mails the utility bills, enters the billing payments and maintains the billing register. . The Finance Director maintains control of checks, sets up/maintains employee payroll records, processes payroll, posts payroll to the general ledger, prepares checks, issues checks or direct deposits, reconciles the bank account, prepares the payroll taxes, prepares all W -2s, as well as maintains all data files and the payroll program. . The Building Technician fills out permit fees schedules, has access to receive payments and scans all permits and/or inspections into a house file. . The Finance Director enters all accounts receivable invoices, maintains the accounts receivable billings, reports all outstanding bills to the City Council and posts all payments to the general ledger. . The Administrative Assistant II collects fines and fees, sends out all account receivable invoices, receives payments and enters them into the POS module. We recommend management, along with the City Council, remain aware of this situation and continually monitor the accounting system including changes that occur. 4 I I I I I I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota CONTROL DEFICIENCIES December 31,2008 IMPROVE PROCEDURES FOR MAINTAINING CAPITAL ASSET LISTING During our audit, we noted the City's capital asset listing is not being maintained properly. We noted the listing was not updated to remove an asset identified during the fiscal year 2007 audit as an asset that had previously been disposed. In addition, we noted a bobcat was on the list that had been traded in three years ago and the new bobcat was not on the listing. We recommend the City correct these mistakes and more closely monitor the asset listing. REQUIRE APPROVAL AND BACKUP DOCUMENTATION FOR JOURNAL ENTRIES During our audit, we found all of the journal entries tested lacked supporting documentation and formal approval. Not having these processes in place could jeopardize the integrity of the financial statements. As the City has the significant deficiency relating to the lack of segregation of accounting duties, there is the risk that not all significant areas ofthe City's financial reporting process are protected by adequate internal control. We recommend the City attach documentation to all journal entries, and have the Finance Director indicate her approval by signing all journal entries provided by the City's contracted accounting services provider. 5 I I I I I I II I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota LEGAL COMPLIANCE FINDINGS December 31, 2008 PUBLIC PURPOSE EXPENDITURES According to Attorney General Publications 442a-17, January 17, 1938; 59a-22, November 23, 1966; 270-D, August 12, 1977; and 174E, a city must refrain from paying for Christmas parties and other employee social events, unless the celebrations are a form of compensation, as described in the city's personnel manual. During our audit, we noted the City paid for an employee event. In addition, it was noted that the City made donations to an entity that serves a private purpose rather than a public purpose. We recommend the City refrain from paying for such activities. UPDATE COLLATERAL ASSIGNMENT AGREEMENT Minnesota Statutes 118A.03, subd. 4 requires the written assignment shall recite that, upon default, the financial institution shall release to the government entity on demand, free of exchange or any other charges, the collateral pledged. It was noted during our legal compliance audit, one of the City's collateral assignment agreements did not require the release of collateral upon default. We recommend the City update its assignment agreements in order to be in compliance with the Minnesota Statutes. 6 I I I I I I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota REQUIRED COMMUNICATION December 31,2008 We have audited the financial statements of the City for the year ended December 31, 2008, and have issued our report dated April 6, 2009. Professional standards require that we provide you with the following information related to our audit. OUR RESPONSIBILITY UNDER U.S. GENERALLY ACCEPTED AUDITING STANDARDS As stated in our engagement letter, our responsibility, as described by professional standards, is to express an opinion about whether the financial statements prepared by management with your oversight are fairly presented, in all material respects, in conformity with U.S. generally accepted accounting principles. Our audit of the financial statements does not relieve you or management of your responsibilities. Our responsibility is to plan and perform our audit to obtain reasonable, but not absolute, assurance that the financial statements are free of material misstatement. As part of our audit, we considered the internal control of the City. Such considerations were solely for the purpose of determining our audit procedures and not to provide any assurance concerning such internal control. Weare responsible for communicating significant matters related to the audit that are, in our professional judgment, relevant to your responsibilities in overseeing the financial reporting process. However, we are not required to design procedures specifically to identify such matters. As part of obtaining reasonable assurance about whether the City's financial statements are free of material misstatement, we performed tests of its compliance with certain provisions of laws, regulations, contracts and grant agreements, noncompliance with which could have a direct and material effect on the determination of financial statement amounts. However, providing an opinion on compliance with those provisions was not an objective of our audit. PLANNED SCOPE AND TIMING OF THE AUDIT We performed the audit according to the planned scope and timing previously communicated to you. QUALITATIVE ASPECTS OF ACCOUNTING PRACTICES Management is responsible for the selection and use of appropriate accounting policies. In accordance with the terms of our engagement letter, we will advise management about the appropriateness of accounting policies and their application. The significant accounting policies used by the City are described in Note 1 to the financial statements. No new accounting policies were adopted and the application of existing policies was not changed during 2008. We noted no transactions entered into during the year for which there is a lack of authoritative guidance or consensus. . There are no significant transactions that have been recognized in the financial statements in a different period than when the transaction occurred. 7 I I I I I I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota REQUIRED COMMUNICATION December 31, 2008 QUALITATIVE ASPECTS OF ACCOUNTING PRACTICES Accounting estimates are an integral part of the financial statements prepared by management and are based on management's knowledge and experience about past and current events and assumptions about future events. Certain accounting estimates are particularly sensitive because of their significance to the financial statements and because of the possibility that future events affecting them may differ significantly from those expected. The most sensitive estimates affecting the financial statements were: Depreciation - The City is currently depreciating its capital assets over their estimated useful lives, as determined by management, using the straight-line method. Expense Allocation - Certain expenses are allocated to functions based on an estimate of the benefit to that particular function. Examples are salaries, benefits and supplies. We evaluated the key factors and assumptions used to develop the above estimates in determining they are reasonable in relation to the financial statements taken as a whole. The disclosures in the financial statements are neutral, consistent and clear. DIFFICUL TIES ENCOUNTERED IN PERFORMING THE AUDIT We encountered no difficulties in dealing with management in performing and completing our audit. CORRECTED AND UNCORRECTED MISSTATEMENTS Professional standards require us to accumulate all known and likely misstatements identified during the audit, other than those that are trivial, and communicate them to the appropriate level of management. There were uncorrected misstatements related to Market Value Credit revenues. Management has determined the effect is immaterial both individually and in the aggregate, to the financial statements taken as a whole. DISAGREEMENTS WITH MANAGEMENT For purposes ofthis letter, professional standards define a disagreement with management as a financial accounting, reporting or auditing matter, whether or not resolved to our satisfaction that could be significant to the financial statements or the auditor's report. We are pleased to report that no such disagreements arose during the course of our audit. MANAGEMENT REPRESENTATIONS We requested certain representations from management which were provided to us in the management representation letter. 8 I I I I I I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota REQUIRED COMMUNICATION December 31,2008 MANAGEMENT CONSULTATIONS WITH OTHER INDEPENDENT ACCOUNT ANTS In some cases, management may decide to consult with other accountants about auditing and accounting matters, similar to obtaining a "second opinion" on certain situations. If a consultation involves application of an accounting principle to the City's financial statements or a determination of the type of auditor's opinion that may be expressed on those statements, our professional standards require the consulting accountant to check with us to determine that the consultant has all the relevant facts. Weare not aware of any consultations by the City's management with other accountants during the course of our audit. OTHER ISSUES We generally discuss a variety of matters, including the application of accounting principles and auditing standards, with management each year prior to retention as the City's auditors. However, these discussions occurred in the normal course of our professional relationship and our responses were not a condition to our retention. OTHER INFORMATION IN DOCUMENTS CONTAINING AUDITED FINANCIAL STATEMENTS We have not reviewed, and it is our understanding, that no other published documents exist that contain audited financial statement information, for which we are currently auditing. As stated in our engagement letter, if you publish or reproduce the financial statements or make reference to our Firm name in relation to such documents, you agree to provide us with a copy of the final reproduced material for our approval before it is distributed. 9 I I I I I I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota FINANCIAL ANALYSIS December 31, 2008 The following pages provide graphic representation of select data pertaining to the financial position and operations of the City for the past five years. Our analysis of each graph is presented to provide a basis for discussion of past performance and how implementing certain changes may enhance future performance. We suggest you view each graph and document if our analysis is consistent with yours. A subsequent discussion of this information should be useful for planning purposes. GENERAL FUND General Fund revenues increased from $ 3,166,483 in 2007 to $ 3,329,558 in 2008. Property tax revenues increased 11.4% from 2007 and totaled $ 2,074,327. This was primarily a result in increased levy. Licenses and permits increased $ 103,277, or 36.5%, and totaled $ 386,564. The City received more revenue from building permits in 2008 relating to town homes and Emma Crumbies permits. Charges for services revenues decreased 12.0% to $ 517,561. This decrease reflects a decrease in developer fees which is directly related to the slow down in development. Special assessment revenue of $ 40,855 relates to utility connection fees for the development of a commercial lot. In prior years, there has been no special assessment revenue. Miscellaneous revenue decreased $ 62,790, or 25.8%. This decrease is largely due to the decrease in interest earned on investments as a result ofthe declining market rates. The graphs below and on the following page present the General Fund revenues by source in a graph and pie chart formats. I General Fund Revenuesl $2,000,000 $1,750,000 $1,500,000 $1,250,000 $1,000,000 $750,000 $500,000 $250,000 $- $3,500,000 $3,250,000 $3,000,000 $2,750,000 $2,500,000 $2,250,000 III Miscellaneous . Special Assessments D Intergovernmental . Charges for Services . Licenses and Permits DTaxes 2004 $103,756 2005 $412,179 2006 2007 2008 $363,279 $243,747 $180,957 40,855 115,528 189,669 129,294 645,272 587,864 517,561 487,132 283,287 386,564 1,620,927 1,861,916 2,074,327 89,689 145,171 572,230 1,409,832 77,706 236,136 683,448 1,370,573 10 I I CITY OF ALBERTVILLE Wright County, Minnesota I FINANCIAL ANALYSIS December 31,2008 I GENERAL FUND I 12008 General Fund Revenuesl I I Taxes 62% Licenses and Permits 12% I Intergovernmental 4% I Charges for Services 16% I Miscellaneous 5% Special Assessments 1% I I 12007 General Fund Revenuesl I I Taxes 58% Licenses and Permits 9% I Intergovernmental 6% I I Charges for Services 19% I Miscellaneous 8% I 11 I I I I I I I I I I I I I I I I I I I GENERAL FUND CITY OF ALBERTVILLE Wright County, Minnesota FINANCIAL ANALYSIS December 31,2008 General Fund expenditures decreased from $ 3,188,617 in 2007 to $ 2,878,828 in 2008, which represents a change of9.7%. For governmental fund types, capital outlay items are included in total expenditures. For 2007, capital outlay expenditures totaled $ 477,948 compared to $ 31,636 in 2008. Without taking into consideration capital outlay, total General Fund expenditures increased 5.0%. Both public works and park and recreation experienced increased activity. Public works increased $ 86,944 due to additional PERA expenses for temporary employees and an increase in street maintenance activities including seal coating and street overlayment. Park and recreation expenditures increased $ 27,009 or 14.6%, from the prior year as a result of an increase in salaries. General government expenditures decreased $ 376,576, or 29.6%, from the prior year due to a land purchase in the prior year. Public safety decreased due to a decrease in salary expenditures compared to 2007. A graph depicting the expenditures for the General Fund for each ofthe past five years is illustrated below. $1,600,000 $1,400,000 $1,200,000 $1,000,000 $800,000 $600,000 $400,000 $200,000 . General Government . Public Safety D Public Works lJ Park and Recreation . Economic Development III Miscellaneous I General Fund Expendituresl $- 2004 $682,274 676,787 407,567 158,140 52,783 27,567 2005 $1,083,743 787,894 425,733 121,166 3,219 2006 $935,828 1,582,591 605,471 173,026 4,322 2007 $1,270,775 1,157,956 550,752 184,585 24,549 2008 $894,199 1,123,449 637,696 211,594 11,890 The following page presents the expenditures for 2008 and 2007 using a pie chart design. 12 I I I I I CITY OF ALBERTVILLE Wright County, Minnesota FINANCIAL ANALYSIS December 31,2008 GENERAL FUND 12008 General Fund Expendituresl I I I Park and Recreation 7% Economic Development 1% Public Works 22% General Government 31% I I I I I Public Safety 39% 12007 General Fund Expendituresl Park and Recreation 6% Economic Development 1% I Public Works 17% General Government 40% I I I I I Public Safety 36% 13 I I I I I I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota FINANCIAL ANALYSIS December 31, 2008 GENERAL FUND The graph below shows the overall trend of the General Fund balance and the cash and investment balance for the last five years. The Capital Outlay Reserve Fund balance is also included for comparison purposes since the City began recording more capital outlay related purchases there in recent years. The cash and investment balance at December 31, 2008 was $ 775,919. This is a decrease of$ 69,844 from last year. The balance has decreased $ 1,528,214 since 2004. The Fund balance has also shown this decreasing trend, ending in 2008 at $ 859,636, a decrease of$ 1,363,308 since 2004. Due to an increase of revenues and a decrease of expenditures in 2008, the General Fund balance has increased $ 77,978, or 10.0%, from 2007 to 2008. In December of2004, the Office of the State Auditor issued a Statement of Position recommending cities maintain an unreserved fund balance of approximately 35%-50% of fund operating revenues or no less than five months of operating expenditures. The City's ending fund balance should be reviewed in conjunction with this Statement of Position and internal City fund balance policies to determine ifit is sufficient to meet the City's specific operations and cash flow needs. I General Fundi $3,500,000 $1,500,000 $3,000,000 $2,500,000 $2,000,000 $1,000,000 $500,000 $781,658 $859,636 $- 2004 2005 2006 2007* 2008 [=:J General Fund Balance _ Capital Outlay Reserve Fund -+- General Fund Cash and Investments * Restated 14 I I I I I I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota FINANCIAL ANALYSIS December 31,2008 GENERAL FUND The graph below shows the budget to actual results for the General Fund revenue by source. In total, actual revenues were greater than the budget by $ 33,180. When preparing the budget, the City budgets for property taxes at the amount the levy is set for; however, the state pays a portion of the levy to the City in the form of Market Value Credit aid, thereby reducing the amount actually levied against the property owners. For 2008, the amount of the Market Value Credit was $ 48,436. This explains the variance in the intergovernmental category and a portion of the variance in the property taxes category. The remaining difference in property tax revenue is the result of a significant increase in delinquent property taxes for 2008. Charges for services revenue was under budget by $ 50,696 due to a decrease in development fees. Special assessment revenue was not budgeted by the City in 2008 as this type of revenue has not been received in the General Fund before. Miscellaneous revenue was over budget due to the receipt of unanticipated reimbursements of approximately $106,000 for developer bills. 12008 Revenues Budget and Actual\ $2,500,000 $500,000 $2,000,000 $1,500,000 $1,000,000 $- Taxes Licenses and Intergovernmental Charges for Permits Services Special Assessments Miscellaneous .. Budget .. Actual 15 I I I I I I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota FINANCIAL ANALYSIS December 31, 2008 GENERAL FUND The graph below shows the budget to actual results for the General Fund expenditures by department. Overall, the City was under budget by $ 437,550. The largest variations were in the general government and public safety departments, with variances of$ 225,607 and $ 204,734, respectively. The variance in both the general government department and the public safety departments were due to the City budgeting for capital outlay, the majority of which the City did not expend. 12008 Expenditures Budget and Actuall $200,000 $1,400,000 $1,200,000 $1,000,000 $800,000 $600,000 $400,000 $- General Government Public Safety Public Works Park and Recreation Economic Development . Budget . Actual 16 I I I I I I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota FINANCIAL ANALYSIS December 31,2008 SEWER FUND The following graph provides a history of operating income for the past five years for the Sewer Fund. The yellow bar represents a true measurement of operations to be used as a factor in determining whether sewer rates are sufficient to cover operating costs. As the graph indicates, rates for the past five years were sufficient to cover operating costs, which includes depreciation of fixed assets. Revenues that are sufficient to cover operating costs, including depreciation, allow for an accumulation of cash to help fund replacement of depreciable assets. I Sewer Fundi $800,000 $700,000 $100,000 2004 $495,645 335,797 159,848 325,481 2005 2006 2007 2008 $699,424 $622,660 $692,890 $650,703 413,803 510,532 628,379 620,711 285,621 112,128 64,511 29,992 459,342 408,886 363,585 332,902 $600,000 $500,000 $400,000 $300,000 $200,000 $- III Operating Revenues III Operating Expenses o Operating Income o Operating Income Without Depreciation 17 I I CITY OF ALBERTVILLE Wright County, Minnesota I I I I FINANCIAL ANALYSIS December 31,2008 WATER FUND I I I I I I I I Operating revenues, excluding Water Access Charges (W AC) fees, for the Water Fund experienced a 12.0% decrease from $ 290,905 in 2007 to $ 256,102 in 2008. Operating expenses increased 9.8% from $ 193,064 in 2007 to $ 211,982 in 2008. The Water Fund has shown operating income in all of the years presented; however, operating income decreased $ 53,055 from 2007 to 2008. While the rates being charged in this Fund are able to cover all operating expenses including depreciation, we recommend the City continue to review these rates and the operations of this Fund to continue profitable operations. Iwater Fundi $350,000 $300,000 $50,000 2004 $250,026 117,010 2005 $242,873 164,850 2006 $273,548 150,249 2007 $290,905 193,064 2008 $256,102 211,982 $250,000 $200,000 $150,000 $100,000 $- .. Operating Revenues, Net of Joint Powers Portion . Operating Expenses, Net of Joint Powers Reimbursement D Operating Income o Operating Income Withont Depreciation 133,016 148,948 78,023 93,955 123,299 146,920 97,841 127,262 44,120 74,207 I I I I I 18 I I I I I I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota FINANCIAL ANALYSIS December 31, 2008 MARKET VALUE, TAX CAPACITY AND TAX CAPACITY RATES The graphs below and on the following page provide significant information about the growth experienced by the City to help you continue to analyze your tax rate position. The graph below depicts market value of all taxable property within the City limits, along with tax capacity generated by such growth. As is evident from the graph, property market value has increased from $ 390,062,100 in 2004 to $ 682,831,708 in 2008. During the same time, tax capacity has increased from $ 4,615,593 in 2004 to $ 8,370,593 in 2008. $735,000,000 $700,000,000 $665,000,000 $630,000,000 $595,000,000 $560,000,000 $525,000,000 $490,000,000 $455,000,000 ~ $420,000,000 0; :> $385,000,000 ~ ~ $350,000,000 ::E $315,000,000 $280,000,000 $245,000,000 $210,000,000 $175,000,000 $140,000,000 $105,000,000 $70,000,000 $35,000,000 $- ITax Capacity and Market valuel 2004 2005 2007 $9,000,000 $8,000,000 $7,000,000 $6,000,000 $5,000,000 9 'g g. u $4,000,000 >< .. E-< $3,000,000 $2,000,000 $1,000,000 $- 2008 2006 I . Market Value . Tax Capacity I 19 I I I I II I I I I I I I I I I I I I I CITY OF ALBERTVILLE Wright County, Minnesota FINANCIAL ANALYSIS December 31, 2008 MARKET VALUE, TAX CAPACITY AND TAX CAPACITY RATES 40,000 30,000 20,000 !Tax Capacity Ratel 135,7921 2004 2005 2007 2008 2006 20