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Sewage Disposal & Waterworks System Imp Financial Feasability Report I I I I I I I I I I I I I I I I I I - t t Financial I Feasibility I Report f f f f f f f f f f f f f f f f t Sewage Disposal Plant Improvements And Waterworks System Improvements For City of Salina, Kansas ~ FmST SECURlDES CoMPANY SCHWEITER BLDG. ~ WICHITA. KANSAS OF KANSAS INCORPORATED WICHITA OFFICE 200 SCHWEITER BLDG. TEL. AMHERST 2-4411 KANSAS CITY OFFICE 1000 INS. EXCHANGE BLDG. TEL.. HARRISON 1-3870 I I I I I I I I I I I I I I I I I I I CITY OF SALINA KA NSAS WATER AND SEWER - FINANCIAL FEASIBILITY REPORT R. W. BULL, Commissioner DON McCUNE, Commissioner LELAND SRACK, City Manager HAROLD PETERSON, City Clerk CARL RAMSEY, Mayor RALPH EXLlN E, Commissioner HAROLD JAEGER, Commissioner RUDOLPH BARTA, City Attorney HAROLD HARPER, City Engineer FIRST SECURITI ES COMPANY WICHITA, KANSAS I I I I I I I I I I I I I I I I I I I INDEX PAGE I. Preface II. Scope 2 III. Allocation of Costs 3 IV. Effect of General Obligation Bond Financing 4 V. Methods Determ i n i ng Sewer Charges . 7 Method "1" - Percentage of Water Bill ing 7 Method "2" - Winter Water Consumption 7 Method "3" - Flat Fee. . . 7 VI. Debt Servi ce Requ irements. . . . . . . . . . . . 8 (1) $1,650,000 Sewer Revenue Bond Issue Requirements. 8 (2) $3,600,000 Water and Sewer Revenue Bond Issue Requirements. . . . . . 8 VII. Sewer Service Charges Computed Under Method "2" (Winter Water Consumption) . . . . . . . .. ... 10 Schedule "A" (Analysis of Sewer Rates based on 30 Year Maturity Schedules). . . . . . . 11 Schedule "B" (Analysis of Sewer Rates based on 25 Year Maturity Schedules) . .... 12 VIII. Sewer Service Charges Based on Method "3" (Flat Fee). . . . . . . . . . Flat Fee Schedule (Method "3") 13 13 List of Customers Using in Excess of 20,000 Cubic Feet Per Month . . . . . . 14 (Continued on Next Page) IX. X. XI. INDEX (continued) PAGE Revenue Bond Maturity Schedules . . . . . . . . . . 15 Exhibit "1" ($1,650,000,30 Year Maturity Schedule, Sewers Only) . . . . . . . . 17 Exhibit "11" ($1,650,000,25 Year Maturity Schedule, Sewers Only) ........ 18 Exhibit 1111"($3,60C,000, 30 Year Maturity Schedule, Water and Sewer). . . . . . . 19 Exhibit IIV"($3,600,000, 25 Year Maturity Schedule, Water and Sewer). . . . . . . 20 Refunding of Present Waterworks Revenue Bond Debt for Inclusion in $3,600,000 Water and Sewer Revenue Bond Issue . . . . . . . . . . 21 23 24 Exhibit "V" - Estimate of Refunding Costs. Summary and Recommendations . . . . . . I I I I I I I I I I I I I I I I I I I I. PREFACE In determining the financial feasibil ity of bond issuance for the proposed Sewage Disposal System Improvements, it is important to examine every possible avenue of fiscal procedure in order to as- certain which type of program is best suited to the City of Salina. For this reason, we have in- cluded not only a study of Revenue and General Obligation Bond financing for the Sewage System Improvements, but also an analysis of the advantages of combining the Water and Sewer Depart- ments of the City, and issuing Water and Sewage ,System Revenue Bonds to finance improvements for both systems and refund the two outstanding issues of Waterworks Revenue Bonds. Several basic facts should be emphasized in setting up fiscal procedures for bond programming: A. Revenue Bonds will constitute a I ien on the revenues of the entire Sewage System (or Water and Sewer System, if combined) of the City and will not be a general obi igation tax I iabil- ity of the City. By statute, such bonds and the interest thereon are to be paid solely from the rates, fees, and charges for sanitary sewer services (or water and sewer services, if combined), and not from any other fund or source. B. Revenue bond procedures require that the service charge shall be sufficient to pay the costs of operation, improvement, and maintenance of the Util ity System financed, provide ade- quate depreciation reserves, and pay the principal of and interest on outstanding Utility System Revenue Bonds. It should be emphasized that the costs of maintenance and operation of the Sewage Disposal System are presently being provided in the City's Budget from gen- eral ad valorem taxation, and such costs of maintenance and operation will henceforth be financed from the rates, fees, and charges of sewer system services. Revenue bond issuance will therefore eliminate this budgetary item as a property tax obligation. c. Revenue Bonds establ ish the burden of payment for sewer service on the actual user of such service rather than upon the assessed valuation of properties lying within the corporate I im- its of the City. Revenue Bonds are not and cannot become general obi igations of the City, and revenue bond financing is expressly a "self-liquidating" financial vehicle. D. Revenue Bonds, through procedures establ ished at the time of issuance, create a businessl ike cl imate in the operation and maintenance of the Util ity System financed. This is a result of Kansas statutory requirements, the continuing financial interest of bond holders and bond underwriters, and the necessity for maintaining adequate net earnings and efficient and businessl ike operational procedures. Excessive operational expenses and failure to maintain net balances in operational accounts would result in inferior net incomes and thus focus the attention of City Officials on any uneconomical operational conditions. E. Revenue Bonds establish procedures which assure a maximum number of continuous sewer con- nections, and emphasize the necessity that all properties afforded sewer service shall be fairly and equitably charged for the availability of such service. Thus, the cost per cus- tomer is kept at ami n imum. F. General Obligation Bond issuance provides no reserves of any kind for future plant expan.- sion, enlargement, improvements, maintenance and repairs. G. Salina's issuance of General Obligation Sewage Disposal System Bonds in the amount of $1,650,000 would create a substantial increase in the ratio between the City's indebtedness and the total tangible assessed valuation of property in the City, resulting in a possible in- crease in interest rates on all future General Obi igation Bond Issues. -1-' II. SCOPE In developing schedules of sewer rates, fees, and charges, a statistical study of the water billing records of the City's Water Department was made by the First Securities Company. These studies developed and summarized the name, address, meter size, water consumption, and water billing of each connection for the months of January, February, and March, of 1960. These months of usage were employed since the residual of water consumption during this period of the year will be a sewer discharge and little, if any, of the water metered would be used for lawn watering, air conditioning, or similar purposes. The Water Department Office provided valuable assistance, time, and help in computing these figures, and the Engineering Department identified water cus- tomers who are not and might never become connected to the City's Sanitary Sewer System. The results of this statistical survey and the summaries developed are submitted as basic information from which the City can determine the most practical and feasible method of establishing sewer serv ice rates, fees, and charges. Basic procedures, as set forth in the Preface, necessitate a sewer service charge to be established which will yield net revenues, after the payment of operation and maintenance expenses, which will be sufficient to determine a net operational income factor adequate to retire Sewer Revenue Bonds in a manner that will be financially feasible. In determining such feasibility, two consid- erations are of prime importance: (1) the bond principal maturity schedule, and (2) the sewer charges to be employed. It is obvious mathematically that the shorter the time establ ished in the bond principal repayment schedule, the greater will be the annual requirement for debt service and, as a consequence, the higher will be the sewer service charge schedule. Studies indicate that a 20 year revenue bond principal maturity schedule would require a system of sewer charges which might be considered excessive. This Report, therefore, principally concerns itself with the programming of 25 and 30 year revenue bond principal maturity schedules. Sewer System rate schedules for each of these repayment programs are set forth. It will be noted that maturity schedules for both a $1,650,000 Sewer System Revenue Bond Issue and a $3,600,000 Water and Sewer System Revenue Bond Issue have been included in order that the merits of both types of Revenue Bond issuance can be evaluated. The analysis of a fiscal pro- gram combining the two utilities is submitted for several reasons. The City Manager and the City Engineer recommended needed improvements for the Waterworks System. A more efficient and economical operation can be real ized through the establ ishment of one Water and Sewer Util ity Department. Manpower can be more readily and economically utilized by operating the two util- ities as one Department, and bill ing procedures would be simpl ified in that a "Water and Sewage Fund" would be created, and all revenues collected for Water and Sewer Utility Service would be credited to the one Fund for the use of the combined Water and Sewer Department. Thus, it would not be necessary to independently program the money collected for water and sewer service and maintain separate accounts, both income and expense, for the two utilities. We have also included an analysis of the financial effect of the issuance of General Obi igation Bonds for financing Sewage System Improvements, and we have invited attention to the problems connected t-herewith, particularly when considered in relation to the present indebtedness of the City itself, along with the overlapping indebtedness of the Board of Education. -2- I I I II \. ALLOCATION OF COSTS I The City has employed Wilson & Company, Consulting Engineers of Sal ina, Kansas, in the design and preparation of cost estimates in its Sewage Disposal System Improvement Program. The Engi- neering Report indicates a total project cost for each of the various portions of work to be as follows: I I TOTAL. $ 570,000 60,000 990,000 30,000 $1,650,000 $ 640,000 I Sanitary Sewer Mains Grit Removal Facilities. . . New Sewage Treatment Plant Preliminary Engineering Study Expense Separation of Storm and Sanitary Sewers I It was pointed out by the Consulting Engineers that the $60,000 item for grit removal facilities could be eliminated in the event the City might undertake the construction of facilities to sepa- rate the discharge of Storm and Sanitary Sewers at the same time as it commenced the construction of the Sewage Disposal Plant and Sanitary Sewer Mains. However, it is our understanding that this $640,000 portion of the work will probably not be undertaken until later, and therefore the $60,000 item for grit removal facilities is included in the $1,650,000 figure for purposes of this fiscal study. The $640,000 storm sewer work is omitted from this analysis of revenue bond finan- cing, since it could only be included under special laws which require an election, which the City is not contemplating in connection with this project. We therefore assume that the Storm Sewer Program will ultimately be financed by General Obligation Bonds, as have all Storm Sewer Improvements in the past. Under present financial conditions, the Storm Sewer Project would re- sult in an average annual levy of approximately .83 mills to finance a 20 year general obligation bond maturity schedule on a $640,000 issue. I I I I An appl ication should be made to the Federal Government for a construction grant on the new Sew- age Treatment Plant. Under present law, this grant could not exceed 30% of the cost of the plant itself, or $250,000, whichever is less. It is not known at this time whether such Federal assistance will be received, and therefore our fiscal scheduling is based on a bond issue of $1,650,000 for Sanitary Sewage System Improvements. I I The City's Engineer1s estimate of the cost of capital improvements required for the Waterworks System is $654,500. Due to the present fiscal status of Waterworks Reserve Funds and the pro- visions and restrictive covenants of the Bond Ordinances under which outstanding Waterworks Revenue Bonds were issued, additional Waterworks Revenue Bonds are not feasible until the Re- serve Funds in the total amount of $180,000 are restored. On the other hand, it is possible to refund the two outstanding Revenue Bond Issues in order to immediately finance Waterworks Im- provements by means of additional Revenue Bonds. If refunding procedures are employed, the City could then combine its Water and Sewer Departments and issue Water and Sewer System Rev- enue Bonds in the amount of approximately $3,600,000. The following summaries indicate the gross estimated principal amount of revenue bond requirements when all outstanding Waterworks Revenue Bonds are refunded and included in a Waterworks and Sewer System Bond Issue, Series 1961. Principal and interest responsibilities for 1961 of both Series B and Series C Waterworks Revenue Bonds will be satisfied from waterworks operational incomes: I I I I -3- I A. Refunding of principal of Series B Waterworks Revenue Bonds maturing in the years 1962/1973 . . . . . . . $ 748,000.00 B. Refunding of principal of Series C Waterworks Revenue Bonds maturing in the years 1962/1970 . . . . . . . 434,000.00 C. New money requirements for construction of Waterworks Improvements and Extens ions. . . . . . . . . . . . 654,500.00 D. New money requirements for construction of new Sanitary Sewage Disposal Fac iI ities: Sanitary Sewer Mains. . . Sewage Treatment Plant. . Grit Removal Facilities. . Prel iminary Engineering Study Costs. $570,000.00 990,000.00 60,000.00 30,000.00 1 ,650,000. 00 E. Miscellaneous cost estimate for additional Water Line Extensions in 1962 and 1963. . . . . . . . . . . 113,500.00 TOTAL ESTIMATED PRINCIPAL AMOUNT OF WATER AND SEWER REVENUE BOND ISSUE - SERIES 1961. . $3,600,000.00 IV. EFFECT OF GENERAL OBLIGATION BOND FINANCING The issuance of General Obi igation Bonds for Sewage System Improvements must be authorized at an election held for that purpose, whereas no election is normally required for the issuance of Revenue Bonds. In the event the voters rejected a General Obi igation Bond Proposal, the Gov- erning Body might then be placed in the untenable position of having a mandate from the voters not to proceed with a project essential to the City's welfare and which the Kansas State Board of Health will require to be undertaken. The necessity for Sewage System Improvements is empha- sized in the Sewerage Study submitted by your Consulting Engineers, which states that the City has outgrown portions of the Sanitary Sewer System serving the southern areas, and that a number of mainline sewers are deficient in volume capacity. With respect to the Sewage Treatment Plant, the Engineering Report establishes the fact that certain designated improvements are required, and that additional improvements should be incorporated into facil ities of adequate size to provide for better operation and control of the treatment processes. It is therefore essential to the present welfare and future growth and expansion of the City that Sewage System Improvements be con- structed as soon as possible. The City's population has increased from 25,406 to 42,178 in the last ten years, and many factors indicate that this population growth will 'Continue at even a more rapid rate. These growth factors not only mean that this Sewage System Improvement Program is immediately essential, but that more and more public improvements of all kinds will be needed in the next ten years. Additional street paving, storm sewers, sanitary lateral sewers, and other internal improvements will be nec- essary and must be financed by General Obligation Bonds. The City must look ahead to the issu- ance of increased amounts of General Obi igation Bonds and must recognize the responsibil ity of determining a fiscal program that will maintain the best possible future market for all general -4- I I I obi igation bonded indebtedness. It is essential that the City employ revenue bond procedures whenever possible in the financing of its municipal improvements, and thus keep its fiscal struc- ture in good order in anticipation of improvement programs which must, by law, be financed by General Obi igation Bonds. At the present time, the City has $7,262,914 outstanding General Obligation Bonds and $2,003,454 Temporary Notes, making a total general obligation debt re- sponsibility of $9,266,368. This amount is 17.60% of the City's 1960 tangible property valuation of $52,626,598 and indicates a debt ratio of consequence. It is, of course, to the City's finan- cial advantage to keep its general obi igation indebtedness as low as possible. Should the Sewage Disposal Improvements be financed by $1,650,000 General Obligation Bonds, the City's General Obligation Bond indebtedness would increase to $10,916,368, and develop a bonded debt ratio of 20.73% of tangible assessed valuation. The City Manager has indicated that approximately $1,650,000 flood control financing will be required in addition to the $667,000 Flood Control Temporary Notes now outstanding. This would increase the debt ratio an additional 3.13% to a 23.90% total. These increases in the City's debt ratio statement could have a costly effect on interest rates of future General Obligation Bonds, and must be considered in maintaining the City's "A" financial rating given by National Bond Rating Services. I I I I In addition to the City's direct bonded debt, property in the City is subject to the indebtedness of the Board of Education. Salina Board of Education presently has a total indebtedness of $3,884,000, of which $3,744,176 is applicable to the City (computed on a pro rata comparison of the City's valuation to the Board of Education's valuation of $54,589,058). Salina's composite General Obi igation debt status projection is therefore summarized as follows: I I General Obi igation Bond Indebtedness (Direct and Overlapping Debt) I Assessed Valuation Bonded Indebtedness Bonded Debt Applicable to City Debt Ratio Percentage of City's Assessed Valuation I Salina Board of Education $52,626,598 $7,262,914(A) 2,003,454(B) $9,266,368 $9,266,368 $1,650,000(C) $1,650,000 $ 640,000(D) $ 640,000 $1,650,000(~ $1,650,000 $54,589,058 $3,884,000 $3,744,176 17.60% City of Sal ina: I 3.13% I 1.21% 3.13% 7.11% I TOTAL. 32.18% I (A) (B) (C) (D) (~ Includes $1,430,000 authorized but un issued Off-Street Park ing Bonds. Temporary Notes outstand ing. Flood Control Bonds to be issued in addition to $667,000 Flood Control Improvements included in Temporary Notes. Storm Sewer construction cost estimate included in present Sewerage Study. Sewage Disposal Plant Bonds, if General Obi igation Debt. I I Thus, the direct and overlapping debt ratio will be 32.18% of the total taxable, tangible assessed valuation of property in the City if all the projects shown in the table above are financed by Gen- eral Obligation Bonds. Any reduction possible by means of Revenue Bond financing will allow the City to experience a more favorable position relative to future General Obi igation Bond issu- ance, since Revenue Bonds are not reflected in municipal debt ratio statements. I -5- I Another factor of importance in considering the comparative merits of General Obi igation Bond and Revenue Bond financing is the City's historic record of increases in general obligation bonded indebtedness, increases in the Board of Education indebtedness, and the accompanying tax millage levy increases. The following comparison of population, valuation, bonded debt, and tax levy increase is revealing: % of 1950 1960 Increase Increase City of Sal ina: $36,083,032 $52,626,598 A Assessed Valuation $16,543,566 45.8% Bonded Indebtedness 1,398,901 7,262,914 5,864,013 419.1% Population 25,406 42, 178 16,772 66.0% City Millage Levy 13.50 Mills 24.08 Mills 10.58 Mills 78.3% Salina Board of Education: Assessed Valuation $37,437,223 $54,589,058 $17,151,835 45.8% Bonded Indebtedness 2,070,000 3,884,000 1,814,000 87.6% School Millage Levy 16.60 Mills 30. 84 Mill s 14.24 Mills 85.7% A- Does not include $2,003,454 Temporary Notes outstanding for Sewer, Street, and Flood Con- trol purposes; but does include $1,430,000 Off-Street Parking Bonds authorized but un issued. With a high ratio of General Obligation debt and substantial tax levy increases, it would seem advisable to reduce these two factors wherever possible. Salina's position is similar to other grow- ing midwestern municipalities which are employing Revenue Bond financing whenever and wherever possible. It is estimated that the financing of $1,650,000 Sanitary Sewage System Improvements by General Obligation Bonds maturing over a 20 year period would result in a tax levy of about 2.66 mills the first year based on the present assessed valuation, or a cost of approximately $9.30 for an average residence assessed at $3,500. The average annual levy over the 20 year period would be about 2. 15 mills, or $7.50 per average residence. This tax cost will be less than the average residential sewer service charge required to finance a Revenue Bond Issue, but it must be emphasized that such millage cost does not pro- vide reserves of any kind (as does a Revenue Bond Issue) for future plant expansion, enlargement, improvements, maintenance and repair, or for the regular annual operating expense of the Sewage Department, which is estimated by the Consulting Engineer to be $135,000 by 1963. A tax levy of 2.51 mills will then be required to pay for the expenses of the operation and maintenance of the Sewage Disposal System, or an additional cost of approximately $8.78 per year for the aver- age residence. Adding this to the $7.50 average annual debt service shown above, an annual gross tax cost of $16. 28 resu I ts, or vi rtua II y the same an nua I cost for more tha n 50% of a II the residences as would be required under Revenue Bond financing. In addition, as pointed out pre- viously, the City's present General Obi igation Bond debt ratio, along with the foreseeable future General Obligation Bond requirements, emphasize the benefits of Revenue Bond financing, par- ticularly since the annual cost under either financing method is at a similar level for more than one-half of all sewer connections in the City. -6- I I V. METHODS DETERM I N I NG SEWER CHARGES I I In arriving at a specific procedure through which proper charges may be established to provide adequate sewer revenues to meet the fiscal requirements of a Revenue Bond Indenture, three pos- sible methods may be considered. We submit our comments pertaining to each method, and rec- ommendations as to the most fair, reasonable, and workable procedure. I Method 1. Percentage of Water Bill ing: I One method employed by many municipalities determines a system of rates, fees, and charges which incorporate a sewer charge based upon the existing water bill ing of each sewer customer. This appears to have merit in its ease of computation, but results in an inequitable situation due to the fact that gross water volume is not necessarily an indica- tion of gross sewage volume. An unfair sewer charge burden is therefore imposed on heavy summer water users, since water for air conditioning, lawn watering, etc., does not go into the sanitary sewers. The City of Warrensburg, Missouri has established a straight sewer charge of 150% of the monthly water billing. I I Method 2. Winter Water Consumption: I A similar method of sewer rate establishment is the procedure of computing sewer charges based on the average monthly winter water consumption of each customer. This procedure appears to be much more equitable, as it does not discriminate against heavy water users or summer water users not discharging water into the sewer facil ities. The Water Survey prepared on all residences and business establ ishments provides a means of classifying sewer users according to winter water consumption. These classifications are defined and ex- plained herein. An analysis of Salina water users indicates that residences using less than 1,000 cubic feet of water per month during the months of January, February, and March, comprise the vast majority of sewer connections, and this classification will necessarily produce the largest amount of net operating sewer income. I I I Method 3. Flat Fee: I A third method of establ ishing sewer rates, fees, and charges is the procedure of determin- ing a flat fee per month for all sewer connections. This method of rate determination does not establish customer sewer rates on the basis of usage as is customary in utility procedures. We, therefore, do not feel that a flat rate procedure is as fair and equitable as Method "2" above. However, a flat rate sewer charge is used in many cities, and we submit schedules based upon gross income production based upon a flat charge. I I Since a 20 year maturity debt schedule would require high sewer rates, and since a sewer rate charge computed in accordance with Method "1" above appears inequitable, we have establ ished gross revenue requirements for 25 year and 30 year bond maturity schedules. We have computed sewer rates for both Method "2" and Method "3" above that will meet the requirements for both a $1,650,000 Sewer Revenue Bond Issue and a $3,600,000 Water and Sewer Revenue Bond Issue. I I -7- I I VI. DEBT SERV I CE REQU I REMENTS Under accepted practices of Revenue Bond finance, conditions must be established to guarantee marketabil ity of the issue. Net revenues, after payment of operations, should be 150% of maximum annual principal and interest requirements. In addition, it is preferable that such "coverage factor" substantially exceed 150% of averaqe annual principal and interest require- ments to establish prime security of the issue. We have therefore computed our schedules on the basis of at least a 150% coverage factor of average annual principal and interest requirements. The Consulting Engineer has estimated annual disposal plant operating expense to be $135,000 for the first full year of operation. Therefore, in developing net revenues, a gross operational cost of $135,000 has been employed. Exhibit "I", as attached, develops pro-forma bond procedures resulting from the issuance of $1,650,000 principal amount of Sewer Revenue Bonds maturing on a 30 year payment schedule, and Exhibit "II" develops procedures based on a 25 year payment schedule. Exhibit "III" de- velops pro-forma bond procedures resulting from the issuance of $3,600,000 principal amount of Water and Sewer Revenue Bonds maturing on a 30 year payment schedule, and Exhibit "IV" de- velops procedures based on a 25 year payment schedule. (1) $1,650,000 Sewer Revenue Bond Issue Requirements In Exhibit "I", average annual principal and interest requirements are $101,060. In Exhibit "II", average annual principal and interest requirements are $112,071. In developing adequate coverage factors, the following gross sewer incomes must be available to provide for operational expenses and debt service requirements: Gross Annual Bill ing Requirement Debt Service Coverage Bond Retirement Program $1,650,000 @ 30 Year Maturity Schedule $297,600 160% $1,650,000 @ 25 Year Maturity Schedule $312,528 158% (2) $3,600,000 Water and Sewer Revenue Bond Issue Requirements In Exhibit "III", average annual principal and interest requirements are $202,288.78. In Exhibit "IV", average annual principal and interest requirements are $234,370. 50. In developing adequate coverage factors, the following gross waterworks and sewer incomes must be available for the payment of operational expenses ($135,000 for sewer and $297,358 for waterworks), and debt service requirements: Gross Annual Billing Requirement Debt Service Coverage Bond Retirement Program $3,600,000 @ 30 Year Maturity Schedule $795,380 179% $3,600,000 @ 25 Year Maturity Schedule $810,308 161% -8- I I I I I I I I I I I I I I I I I I I The gross annual income in Exhibits "I" and "II" is based on sewer rates indicated under Schedules "A" and "B" which follow. The gross annual incomes in Exhibits "III" and "IV" include both water and sewer billings and are based upon present water rates plus sewer rates established by Schedules "A" and "B". The present water rates produced gross incomes of $497,780 in 1959. Actual operational expenses were $297,358.80, leaving a balance for debt service of $200,421.23 and these figures have been em- ployed in programming the combined Water and Sewer Revenue Bond Issues. The waterworks in- come of $497,780, when added to anticipated incomes to be derived from sewer service charges under Schedule "A" ($297,600) and Schedule "B" ($312,528), will develop gross annual income from water and sewer combined operations of $795,380 under Exhibit "III" and $810,308 under Exhibit "IV". It should be mentioned that in the 1959 waterworks income, billings during the first six months of the year were based on the old water rate schedule, since the water rate increase was not effec- tive until June, 1959. The use of actual 1959 water incomes in the fiscal programming is there- fore conservative, inasmuch as 1959 income would have been considerably greater had water rate increases been in effect during the entire year. For purposes of comparison, it is interesting to note waterworks incomes before and after the rate increase: A B Actual Water Revenue Actual Water Revenue for Same Month of ACTUAL %OF after Preceding Year REVENUE ACTUAL Water Rate Increase before Increase INCREASE INCREASE July, 1959 $ 55,684.53 July, 1958 $ 39,032.77 $16,651. 76 42.6% Aug., 1959 58,226. 16 Aug. , 1958 45,538.72 12,687.44 27.8% Sept. , 1959 59,827.87 Sept. , 1958 41,933.73 17,894. 14 42.6% Oct. , 1959 43,465.41 Oct. , 1958 35,547.78 7,917.63 22.2% Nov., 1959 37,752.31 Nov. , 1958 32,796.78 4,955.53 15.1% Dec. , 1959 35,150.28 Dec. , 1958 29,844.70 5,305.58 17.7% Jan. , 1960 36,881. 25 Jan. , 1959 31,111.41 5,769.84 18.5% Feb. , 1960 32,121. 14 Feb. , 1959 30,352.75 1,768.39 5.8% Mar., 1960 36,730. 14 Mar., 1959 31,053. 18 5,676.96 18.2% Apr. , 1960 37,920.29 Apr. , 1959 31,809.87 6,110.42 19.2% May, 1960 41,024.70 May, 1959 34,862.23 6,162.47 17.6% June, 1960 45,484.26 June, 1959 40,773.46 4,710.80 11.5% $520,268.34 $424,657.38 $95,610.96 Total Revenue per Column A $520,268.34 Total Revenue per Column B 424,657.38 NET REVENUE INCREASE. $ 95,610.96 Percentage of Increase per Column B 22.5% From these summaries, it can be assumed that gross water revenue should be substantially increased in 1961. -9- VII. SEWER SERVICE CHARGES COMPUTED UNDER METHOD "211 (WINTER WATER CONSUMPTION) Water Department studies conducted by First Securities Company indicate that in the months of January, February, and March, 1960, there were 12,381 Water Department customers whose premises were connected to the City's Sanitary Sewer Facilities. In addition, there were 318 properties which were vacant, and 50 sewer customers who have private water wells and are not served by the Water Department. Our studies indicate that 6,389 water connections, (51% of the water customers), consumed less than the minimum of 500 cubic feet of water per month, and that 10,558 connections, (85% of the water customers), consumed less than 1,000 cubic feet of water per month. These customers will therefore produce the major portion of the revenue de- rived from the service charges of the SaniTary Sewer System. It should be mentioned that the in- comes developed under Method "2" will vary somewhat on industrial customers, since special contracts will have to be worked out with industrial users discharging abnormal types and amounts of sewage. We are attaching hereto Analysis Schedules of proposed Sal ina sewer rates based on a sewer serv- ice charge under Method "2". These analyses summarize the proposed Salina sewer rates, the number of customers in each rate classification, and the monthly income to be expected from each classification. In addition, these analyses show the actual number of water customers based on our study of the Water Department records, the monthly consumption, and the maximum sewer service charge for various customers under each rate schedule. The sewer rates proposed for Salina under procedures of Method "2" (winter water consumption), are identified as follows: Sewer Rate Schedule "A" - $1,650,000 Sewer Revenue Bond Issue at 30 Year Maturity Schedule $3,600,000 Water and Sewer Revenue Bond Issue at 30 Year Maturity Schedule Sewer Rate Schedule "B" - $1,650,000 Sewer Revenue Bond Issue at 25 Year Maturity Schedule $3,600,000 Water and Sewer Revenue Bond Issue at 25 Year Maturity Schedule Since the gross income required under 25 year maturity schedules is greater than requirements under 30 year maturity schedules, it will be seen that the proposed sewer rates under Schedule "B" (25 year maturity schedules) are slightly higher than those for Schedule "A" (30 year matu- rity schedules). The City Commission must decide which schedule is more desirable when the total interest costs of 25 year and 30 year bond maturities are compared. The analyses of the proposed Salina sewer rates, set forth in Schedule "A" and Schedule "B" follow: -10- I I I I I I I I I I I I I I I I I I I Please Tu rn Page for Schedu les SCHEDULE "A" ANAL YS I S OF PROPOSED SEWER RATES I. $1,650,000 Sewer Revenue Bond Issue per Exhibit I. $297,600 - Gross AnniJal Income Required for 30 Year Maturity Schedule. 24,800 - Monthly Income Required. II. $3,600,000 Water and Sewage System Revenue Bond Issue per Exhibit III. $795,380 - Gross Annual Income Required from Water and Sewer Operations for 30 Year Maturity Schedule. 24,800 - Monthly Sewer Income. 41.482 - Monthly Water Income. $ 66,282 - Total Monthly Income Required. PROPOSED SEWER RATES COST WATER CONSUMPTION SEWER RATES SUM OF COST 0/500 $1.25 500/1,000 .22 1,000/2,000 .20 2,000/5,000 . 16 5,000/20,000 . 12 Over 20,000 .08 COMPILATION OF WATER SYSTEM CUSTOMERS SHOWING AVERAGE MONTHLY WATER CONSUMPTION FOR QUARTERS ENDING JANUARY, FEBRUARY, AND MARCH, 1960 AND MAXIMUM SEWER BILLINGS UNDER PROPOSED RATES $ 1.25 1. 10 2.00 4.80 18.00 $ 1.25 2.35 4.35 9.15 27.15 MAXIMUM MAXIMUM WATER NO. OF SEWER SERVICE WATER NO, OF SEWER SERVICE CONSUMPTION CUSTOMERS CHARGE CONSUMPTION CUSTOM ERS CHARGE 0/500 6,389 $ 1.25 5,000/6,000 15 $ 10.35 500/600 1,198 1.47 6,000/7,000 24 11.55 600/700 1,053 1. 69 7,000/8,000 12 12.75 700/800 806 1. 91 8,000/9,000 9 13.95 800/900 659 2.13 9,000/10 ,000 6 15.15 900/1,000 453 2.35 10 ,000/15 ,000 38 21. 15 1,000/1,100 334 2.55 15,000/20,000 17 27.15 1 , 1 00/1 ,200 287 2.75 20,000/30,000 15 35.15 1,200/1,300 189 2.95 30,000/40,000 7 43.15 1,300/1,400 118 3.15 40,000/50,000 5 51.15 1,400/1,500 137 3.35 50,000/60,000 2 59.15 1,500/2,000 285 4.35 60,000/70,000 3 67.15 2,000/2,500 127 5.15 70,000/80,000 1 75.15 2,500/3,000 61 5.95 80,000/90,000 2 83.15 3,000/4,000 85 7.55 110,000/120,000 1 107.15 4,000/5,000 41 9.15 160,000 --.1. 139.15 Total 12,381 Vacant Meters 318 Sewer Service Not Available 68 Grand Total 12,767 WATER CONSUMPTION CUSTOMER AND INCOME SCHEDULE TOTAL MONTHLY INCOME SEWER RATES 0/500 500/1,000 1,000/2,000 2,000/5,000 5,000/20,000 Over 20,000 $1.25 .22 .20 .16 .12 .08 NO. OF CUSTOMERS 6,389 4,169 1,350 314 121 38 Total 12,381 GRAND TOTAL $ 7,986 7,087 4,018 1,890 1,859 1,885 $24,725 75* $24,800 $1.25 monthly minimum for each residence or residential dwelling unit. GROSS ANNUAL SEWER INCOME - - - - - - $297,600 GROSS ANNUAL WATER INCOME - - - - - - 497,780 TOTAL ANNUAL WATER & SEWER INCOME - - $795,380 *50 Sewer customers not using City water - $1.50 Ea. Note: All consumption figures are in cubic feet. Rates shown are for each 100 cu. ft. of water used, and are computed on a monthly basis. I SCHEDULE IIB" ANALYSIS OF PROPOSED SEWER RATES I. $1,650,000 Sewer Revenue Bond Issue per Exhibit II. $312,528 - Gross Annual Income Required for 25 Year Maturity Schedule. 26,044 - Monthly Income Required. II. $3,600,000 Water and Sewage System Revenue Bond Issue per Exhibit IV. $810,308 - Gross Annual Income Required from Water and Sewer Operations for 25 Year Maturity Schedule. 26,044 - Monthly Sewer Income. 41,482 - Monthly Water Income. $67,526 - Total Monthly Income Required. PROPOSED SEWER RATES 0/500 $1.35 500/1,000 .22 1,000/2,000 .20 2,000/5,000 .16 5,000/20,000 .12 Over 20,000 .08 COMPILATION OF WATER SYSTEM CUSTOMERS SHOWING AVERAGE MONTHLY WATER CONSUMPTION FOR QUARTERS ENDING JANUARY, FEBRUARY, AND MARCH, 1960 AND MAXIMUM SEWER BILLINGS UNDER PROPOSED RATES I I I I WATER CONSUMPTION SEWER RATES COST I $ 1.35 1. 10 2.00 4.80 19.00 I SUM OF COST $ 1.35 2.45 4.45 9.25 28.25 I MAXIMUM WATER NO. OF SEWER SERViCE CONSUMPTION CUSTOMERS CHARGE 0/500 6,389 $ 1. 35 500/600 1,198 1. 57 600;700 1,053 1. 79 700/800 806 2.01 800/900 659 2.23 900/1,000 453 2.45 1,000/1,100 334 2.65 1,100/1,200 287 2.75 1,200/1,300 189 3.05 1,300/1,400 118 3.25 1,400/1,500 137 3.45 1,500/2,000 285 4.45 2,000/2,500 127 5.25 2,500/3,000 61 6.05 3,000/4,000 85 7.65 4,000/5,000 41 9.25 WATER CONSUMPTION 5,000/6,000 6,000;7,000 7,000/8,000 8,000/9,000 9,000/10,000 10,000/15,000 15,000/20,000 20,000/30,000 30,000/40,000 40,000/50,000 50,000/60,000 60,000;70,000 70,000/80,000 80,000/90,000 110,000/120,000 160,000 I I I I Total Vacant Meters Sewer Service Not Available Grand Total I CUSTOMER AND INCOME SCHEDULE I WATER CONSUMPTION NO. OF CUSTOM ERS SEWER RATES I 0/500 500/1,000 1,000/2,000 2,000/5,000 5,000/20,000 Over 20,000 $1.35 .22 .20 .16 .12 .08 6,389 4, 169 1,350 314 121 38 Total 12,381 I GRAND TOTAL $1. 35 monthly minimum for each residence or residential dwelling unit. ..:' ( I TOTAL MONTHLY INCOME $ 8,625 7,506 4,152 1,922 1,874 1,890 $25,969 75* $26,044 GROSS ANNUAL SEWER INCOME - - - - - - $312,528 GROSS ANNUAL WATER INCOME - - - - - 497,780 TOTAL ANNUAL WATER & SEWER INCOME - - $810,308 I NO. OF CUSTOMERS 15 24 12 9 6 38 17 15 7 5 2 3 1 2 1 2 12,381 ~ 68 12,767 '-1 \ MAXIMUM SEwER SERVICE CHARGE $ 10.45 11.65 12.85 14.05 15.25 21.25 28.25 35.25 43.25 51.25 59.25 67.25 75.25 83.25 107.25 139.25 (Li \1' ( br j.1"/ ( ,} Note: *50 Sewer customers not using City water - $1.50 Ea. All consumption fugures are in cubic feet. Rates shown are for each 100 cu. ft. of water used, and are computed on a monthly basis. I V III. SEWER SERVICE CHARGES BASED ON METHOD "311 (FLAT FEE) There are 12/381 Water Department customers whose premises are connected to the Sanitary Sewer Facilities, and 50 other premises with private water wells. A flat fee sewer service charge (Method "3") would apply to all sewer customers/ although a maximum usage factor should be es- tablished above which an increased sewer charge would become effective. This analysis arbi- trarily has assumed that all sewer connections using in excess of 20/000 cubic feet of water per month might be charged more than the flat fee sewer charge. Attached is the I ist of the 38 Water Department connections which consume in excess of 20/000 cubic feet of water per month. The name/ address, and consumption of each such water customer is shown. By applying the same system of sewer rates and charges to these 38 high usage customers as is set forth in Schedules "A" and "B" above, monthly incomes of $1/885 under Schedule "A" and $1/890 under Schedule "B" wou Id resul t. In a 30 year bond principal maturity schedule, a $24/800 gross monthly income from the 12/431 sewer customers is required in order to develop an adequate coverage factor of average principal and interest. Reducing this amount by $1/885 to be paid by the 38 large sewer users/ a balance of $22/915 per month is to be paid by 12/393 customers. A flat fee of $1.85 per month per sewer connection is therefore necessary in order to develop $22/915 from the 12/393 normal use cus- tomers. In a 25 year bond principal maturity schedule, a $26/044 gross monthly income from the 12/431 sewer customers is required in order to develop an adequate coverage factor of average principal and interest. Reducing this amount by $1/890 to be paid by the 38 large sewer users/ a balance of $24/154 per month is to be paid by the 12/393 customers. A flat fee of $1.95 per month per sewer connection is therefore necessary in order to develop $24/154 from the 12/393 normal use customers. A comparison of flat fee sewer charges required under Method "3" is reflected in the following summary: 30 Year Bond Maturity Schedule 25 Year Bond Ma tur i ty Schedule Monthly Income Required to Provide Coverage of Average Annual Principal and Interest Requirement for $1/650/000 Sewer Revenue Bond Issue or $3/600/000 Water and Sewer Revenue Bond Issue . . . . . . . . . . . $24/800 $26/044 Less Income from Special Sewer Rates Appl icable to 38 Large Water Users 1/885 1 / 890 Total Sewer Charges to be Paid by 12/393 Sewer Connections Flat Fee Sewer Rate . . . . . . . $22/915 $ 1 . 85 Per Mo. $24/154 $1.95PerMo. -13- I I I I I I I I I I I I I I I I I I I WATER CONSUMPTION IN SALINA, KANSAS IN EXCES S OF 20,000 CU B I C FEET PER MONTH I. Consumption between 20,000 and 30,000 cubic feet: Book No. 16 16 54 66 54 20 15 16 19 54 26 21 2 20 5 Name Dixie-Ann Sarna Patio Trailer Court Talley-Ho Trailer Court Day & Night Laundry Market Shangri-La Trailer Park Elks Lodge West Cloud Coin Laundry Patio Trailer Court Blakely's Trailer City Talley-Ho, Inc. Lange Creamery Company Crown Laundry Sol ina Nursing Home Lamer Hotel Asbury Hospital (4") Address 260 South Broadway 1200 West Crawford 1411 Winona 705 Cherokee 721 West Cloud 124 North 7th 541 West Cloud 1200 West Crawford 901 West Lincoln 1810 Maple Beach 206 East Walnut 218 North Santa Fe 320 South Santa Fe 114 West Ash 401 South Seventh II. Consumption between 30,000 and 40,000 cubic feet: 2 United Building 119 West Iron 16 Easy Wash Launderette 417 South Broadway 47 Sol ina High School Crawford & Front 39 Jo-Mar Dairies 109 South Delaware 1 Coca-Cola Company 611 Bishop 23 St. Johns Hospital (5/8") 135 North Penn 15 T raco Enterpr ises 501 West Cloud III. Consumption between 40,000 and 50,000 cubic feet: 5 Asbury Hospital (1-1/2") 400 South Santa Fe 17 Independent Packing West Elm 8 K. W. U. Gymnasium College Campus 5 23 St. Johns Hospital (4") 135 North Penn 19 Midwest Mobile Homes 420 North Broadway IV. Consumption between 50,000 and 75,000 cubic feet: 39 Jo-Mar Dairies 109 South Delaware 17 Sa I i no Concrete Products 1100 West Ash 20 Lamer Hote I 201 North Sa nta Fe 33 Pepsi -Cola Botti ing Co. 604 North 9th 21 Swift & Company 302 North 5th 21 Swift & Company 302 North 5th V. Consumption between 75,000 and 100,000 cubic feet: 25 Model Laundry 211 South Santa Fe 20 Gooch Feed Mi II 438 North 9th VI. Consumption in excess of 100,000 cubic feet: 21 Swift & Company 302 North 5th 36 U. P. Railway Co.(Round House) North Lincoln 20 Sol ina Steam Laundry 148 North 7th -14- Water Consumption Cubic Feet 21 , 545 21,836 22,256 22,600 22,616 22,717 23, 138 23,141 23, 193 25,700 26,093 26,430 27,380 27,632 28,663 33, 169 34,650 34,789 35,135 35,661 36, 102 38,898 40, 134 41 ,379 43,587 43,949 44,659 55,234 58,783 60,646 65,300 68,735 74,510 83,230 87, 189 112,474 160,733 160,909 IX. REVENUE BOND MATUR ITY SCHEDULES The attached Exhibits develop principal and interest requirements and suggested reserve accumula- tions for a $1,650,000 Sewer Revenue Bond Issue and a $3,600,000 Water and Sewer Revenue Bond Issue when such issues are retired at 25 and 30 year maturity schedules. Bond principal payments have been computed to provide approximately equal annual debt service requirements. Static net incomes are employed in amounts necessary to provide adequate coverage of average annual principal and interest requirements. Net income in Exhibit "I" is 160% of average annual debt service; in Exhibit "II" it is 158%; in Exhibit "III" it is 179%; and in Exhibit "IV" it is 161%. These net incol:'les are conservatively based on existing sewer connections only and do not take into consideration future additional incom,=s resulting from added connections and population growths. Sewer operational expense is estimated at $135,000 a year in accordance with the City Engineer- ing Report and water operational expense is estimated at $297,359 (actual 1959 expense). Total operational expenses employed in the Water and Sewer Revenue Bond Schedules are $432,359. A 1961 sewer operations expense is omitted since new disposal facilities will not be completed until 1962 and sewer system maintenance for 1961 has been included in the City's budget. In Revenue Bond Issues, realistic fiscal programming establishes "Bond Reserves" and "Maintenance Reserves" to be used for unforeseen and emergency fiscal and operating contingencies. In the Exhibits, we have arbitrarily employed the following reserve accumulations. The exact total amounts are subject to variance as final details of the bond issue are established: Year Bond Reserve Ma i ntenance Reserve $ 40,000 $ 10 , 000 40,000 10 , 000 40,000 10,000 40,000 10,000 $160,000 $ 40,000 $ 70,000 $ 30,000 70,000 30,000 70,000 30,000 70,000 30,000 70,000 30,000 $350,000 $150,000 Exhibits "I" and "II" 1962 1963 1964 1965 Exhibits "III" and "IV" 1962 1963 1964 1965 1966 Gross accumulations in Exhibits "I" and "II" total $200,000, and in Exhibits "III" and "IV" total $500,000. The Bond Ordinance will provide for the investment of reserves and surplus in U. S. Government Obi igations. In Exhibit "I", surplus accumulations, after the payment of principal and interest and reserve re- quirements, amount to $1,646,213 in 30 years. In Exhibit "II", surplus accumulations amount to $1,436,428 in 25 years. In Exhibit "III", surplus accumulations amount to $4,321,967.50 in 30 years, and in Exhibit "IV", surplus accumulations amount to $3,089,462.50 in 25 years. Bond Ordinances customarily permit municipalities to use surplus accumulations for the enlargement, expansion, and improvement of the Util ity System, and thus el iminate the necessity of future -15- I I I additional bonds. Also, Utility Bonds are customarily optional, and surplus accumulations may also be used to call and prepay bond principal prior to maturity. This call factor is of importance as considerable interest saving will result through the exercising of call provisions. Additional detailing of surplus usage will be accomplished through Bond Ordinance authorization. I Comparing the details of the four Exhibits, particular attention is invited to the total gross inter- est cost shown. The interest cost in Exhibit "I" is $1,381,787, and in Exhibit "II" is $1,151,772, which permits the City to experience an interest savings of over $230,000 by establishing a 25 year bond maturity schedule in preference to a 30 year schedule. The total interest cost in Exhibit "III" is $2,468,662.50, and in Exhibit "IV", is $2,259,262.50, which establishes an interest saving of over $209,000 between the 25 and 30 year maturity schedules. It must be remembered that the shorter the maturity schedule, the higher are the monthly sewer charges and rates neces- sary to finance such schedule. Gross interest cost savings must be balanced against equitable monthly sewer charges in determining the final principal amortization schedule. As shown in all four Exhibits, surplus accumulations will be available to retire a large portion of outstanding revenue indebtedness prior to matLrity and substantially reduce the interest cost summaries shown. I I I I I I I I I I I I I -16- I I Toto I of Issue $ 1,650,000 EXH I BIT" I" Final Maturity 30 Years SALI NA, KANSAS Date of Issue - 1961 SEWAGE SYSTEM REVENUE BONDS BALANCE FOR REVENUE BONDS TOTAL GROSS LESS DEBT OUTSTANDING INTEREST PRINCIPAL DEBT BOND MAl NTENANCE ANNUAL ACCUMULATED YEAR REVENUE OPERATIONS SERVICE END OF YEAR COST PAYMENT SERVICE RESERVE RESERVE 5 UR PLuS SURPLUS 1962 $ 297,600 $ 135,000 $ 162,600 $1,650,000 $ 69, 125 $ $ 69,125 $ 40,000 $10,000 $ 43,475 $ 43,475 1963 297,600 135,000 162,600 1,650,000 69,125 69,125 40,000 10,000 43,475 86,950 1964 297,600 135,000 162,600 1,650,000 69,125 69,125 40,000 10 , 000 43,475 130,425 1965 297,600 135,000 162,600 1,650,000 69, 125 69,125 40,000 10,000 43,475 173,900 1966 297,600 135,000 162,600 1 , 6 14,000 69,125 36,000 105,125 57,475 231,375 1967 297,600 135,000 162,600 1,577 ,000 68,595 37,000 105,595 57,005 288,380 1968 297,600 135,000 162,600 1,538,000 67,023 39,000 106,023 56,577 344,957 1969 297,600 135,000 162,600 1,497,000 65,365 41 ,000 106,365 56,235 401,192 1970 297,600 135,000 162,600 1,454,000 63,623 43,000 106,623 55,977 457,169 1971 297,600 135,000 162,600 1,409,000 61,795 45,000 106,795 55,805 512,974 ~ 1972 297,600 135,000 162,600 1,362,000 59,883 47,000 106,883 55,717 568,691 '-l 1973 297,600 135,000 162,600 1,314,000 57,885 48,000 105,885 56,715 625,406 I 1974 297,600 135,000 162,600 1,264,000 55,845 50,000 105,845 56,755 682,161 1975 297,600 135,000 162,600 1,212,000 53,720 52,000 105,720 56,880 739,041 1976 297,600 135,000 162,600 1,158,000 51,510 54,000 105,510 57,090 796,131 1977 297,600 135,000 162,600 1,101,000 49,215 57,000 106,215 56,385 852,516 1978 297,600 135,000 162,600 1,041,000 46,799 60,000 106,799 55,801 908,317 1979 297,600 135,000 162,600 979,000 44,243 62,000 106,243 56,357 964,674 1980 297,600 135,000 162,600 915,000 41 , 608 64,000 105,608 56,992 1,021,666 1981 297,600 135,000 162,600 848,000 38,888 67,000 105,888 56,712 1,078,378 1982 297,600 135,000 162,600 778,000 36,040 70,000 106,040 56,560 1,134,938 1983 297,600 135,000 162,600 705,000 33,065 73,000 106,065 56,535 1,191,473 1984 297,600 135,000 162,600 629,000 29,963 76,000 105,963 56,637 1,248,110 1985 297,600 135,000 162,600 549,000 26,733 80,000 106,733 55,867 1 , 303 , 977 1986 297,600 135,000 162,600 466,000 23,333 83,000 106,333 56,267 1,360,244 1987 297,600 135,000 162,600 380,000 19,805 86,000 105,805 56,795 1,417,039 1988 297,600 135,000 162,600 291,000 16,150 89,000 105,150 57,450 1,474,489 1989 297,600 135,000 162,600 198,000 12,368 93,000 105,368 57,232 1 , 531 , 721 1990 297,600 135,000 162,600 101,000 8,415 97,000 105,415 57,185 1 ,588,906 1991 297,600 135,000 162,600 4,293 101,000 105,293 57,307 1 , 646, 213 $8,928,000 $4,050,000 $4,878,000 $1 ,381 ,787 $ 1 ,650,000 $3,031,787 $160,000 $40,000 $1,646,213 Average Annual Principal . . $ 55,000 Average Annual Interest. . 46,060 Average Annual Principal & Interest. . $ 10 1 ,060 Greatest Annual Principal & Interest (1972) 106,883 Coverage of Average Annual Principal & Interest. 1.608 Times Coverage of Greatest Annual Principal & Interest. 1.52 Times - - - - - - - - - - - - - - - - - - - T ota I of Issue $1,650,000 EXH I BIT "11" Final Maturity 25 Years SALI NA, KANSAS Date of Issue - 1961 SEWAGE SYSTEM REVENUE BONDS BALANCE FOR REVENUE BONOS TOTAL GROSS LESS DEBT OUTSTANDING INTEREST PRINCIPAL DEBT BOND MAINTENANCE ANNUAL ACCUMULATED YEAR REVENUE OPERATIONS SERViCE END OF YEAR COST PAYMENT SERVICE RESERVE RESERVE SURPLUS SURPLUS 1962 S 312,528 $ 135,000 $ 177,528 $1,650,000 $ 69,125 $ $ 69, 125 $ 40,000 $10,000 $ 58,403 $ 58,403 1963 312,528 135,000 177,528 1 ,650,000 69,125 69,125 40,000 10,000 58,403 116,806 1964 312,528 135,000 177,528 1,650,000 69,125 69, 125 40,000 10 , 000 58,403 175,209 1965 312,528 135,000 177,528 1,650,000 69,125 69, 125 40,000 10 , 000 58,403 233,612 1966 312,528 135,000 177,528 1,599,000 69, 125 51,000 120,125 57,403 291,015 1967 312,528 135,000 177,528 1,547,000 67,958 52,000 119,958 57,570 348,585 1968 312,528 135,000 177 ,528 1,492 ,000 65,748 55,000 120,748 56,780 405,365 1969 312,528 135,000 177,528 1,435,000 63,410 57,000 120,410 57,118 462,483 1970 312,528 135,000 177,528 1,376,000 60,988 59,000 119,988 57,540 520,023 1971 312,528 135,000 177,528 1 , 314 , 000 58,480 62,000 120,480 57,048 577,071 1972 312,528 135,000 177,528 1,249,000 55,845 65,000 120,845 56,683 633,754 ~ 1973 312,528 135,000 177,528 1,182,000 53,083 67,000 120,083 57,445 691,199 00 1974 312,528 135,000 177,528 1,112,000 50,235 70,000 120,235 57,293 748,492 I 1975 312,528 135,000 177 ,528 1,039,000 47,260 73,000 120,260 57,268 805,760 1976 312,528 135,000 177 ,528 963,000 44, 158 76,000 120, 158 57,370 863,130 1977 312,528 135,000 177,528 884,000 40,928 79,000 119,928 57,600 920,730 1978 312,528 135,000 177,528 801,000 37,570 83,000 120,570 56,958 977,688 1979 312,528 135,000 177,528 715,000 34,043 86,000 120,043 57,485 1,035,173 1980 312,528 135,000 177 ,528 625,000 30,388 90,000 120,388 57,140 1,092,313 1081 312,528 135,000 177,528 531,000 26,563 94,000 120,563 56,965 1,149,278 1982 312,528 135,000 177,528 433,000 22,568 98,000 120,568 56,960 1,206,238 1983 312,528 135,000 177,528 331,000 18,403 102,000 120,403 57,125 1,263,363 1984 312,528 135,000 177 ,528 225,000 14,068 106,000 120,068 57,460 1,320,823 1985 312,528 135,000 177,528 115,000 9,563 110,000 119,563 57,965 1,378,788 1986 312,528 135,000 177 ,528 4,888 115,000 119,888 57,640 1,436,428 $7,813,200 $3,375,000 $4,438,200 $1,151,772 $1,650,000 $2,801,772 $160,000 $40,000 $1,436,428 Average Annual Principal. . $ 66,000 Average Annual Interest. 46,071 Average Annual Principal & Interest . $112,071 Greatest Annual Principal & Interest (1972) 120,845 Coverage of Average Annual Principal & Interest. 1.584 Times Coverage of Greatest Annual Principal & Interest. 1.469 Times EX H I BIT I1III11 Total af Issue $3,600,000 SALI NA, KANSAS Final Maturity 30 Years Date of Issue - 1961 WATER AND SEWAGE SYSTEM REVENUE BONDS BALANCE FOR REVENUE BONDS TOTAL GROSS LESS DEBT OUTSTANDING INTEREST PRINCIPAL DEBT BOND MAl NTENANCE ANNuAL ACCUMULATED ~ REVENUE OPERATIONS SERVICE END OF YEAR COST PAYMENT SERVICE RESERVE RESERVE SURPLUS SURPLUS 1962 $ 795,380 $ 432,359 $ 363,021 $3,497,000 $ 149,300.00 $ 103,000 $ 252,300.00 $ 70,000 $ 30,000 $ 10 , 721 . 00 $ 10,721. 00 1963 795,380 432,359 363,021 3,392,000 145,437.50 105,000 250,437.50 70,000 30,000 12,583.50 23,304.50 1964 795,380 432,359 363,021 3,285,000 141,500.00 107,000 248,500.00 70,000 30,000 14, 521 . 00 37,825.50 1965 795,380 432,359 363,021 3,175,000 137,487.50 110 , 000 247,487.50 70,000 30,000 15,533.50 53,359.00 1966 795,380 432,359 363,021 3,065,000 133,362.50 110 , 000 243,362.50 70,000 30,000 19,658.50 73,017.50 1967 795,380 432,359 363,021 2,950,000 129,237.50 115,000 244,237.50 118,783. 50 191,801.00 1968 795,380 432,359 363,021 2,835,000 124,925.00 115,000 239,925.00 123,096.00 314,897.00 1969 795,380 432,359 363,021 2,715,000 120,612.50 120,000 240,612.50 122,408.50 437,305.50 1970 795,380 432,359 363,021 2,595,000 116, 112. 50 120,000 236,112.50 126,908.50 564,214.00 1971 795,380 432,359 363,021 2,475,000 111,612.50 120,000 231,612.50 131,408.50 695,622.50 1972 795,380 432,359 363,021 2,355,000 107,112.50 120,000 227, 112. 50 135,908.50 831,531. 00 ~ 1973 795,380 432,359 363,021 2,235,000 102,612.50 120,000 222,612.50 140,408.50 971,939.50 '0 1974 795,380 432,359 363,021 2,115,000 98,112.50 120,000 218,112.50 144,908.50 1,116,848.00 1 1975 795,380 432,359 363,021 1,995,000 93,012.50 120,000 213,012.50 150,008.50 1,266,856.50 1976 795,380 432,359 363,021 1,875,000 87,912.50 120,000 207,912.50 155,108.50 1,421,965.00 1977 795,380 432,359 363,021 1,750,000 82,812.50 125,000 207,812.50 155,208.50 1,577, 173. 50 1978 795,380 432,359 363,021 1,625,000 77,500.00 125,000 202,500.00 160,521.00 1,737,694.50 1979 795,380 432,359 363,021 1, 500,000 72, 187. 50 125,000 197,187.50 165,833.50 1,903,528.00 1980 795,380 432,359 363,021 1,375,000 66,875.00 125,000 191,875.00 171,146.00 2,074,674.00 1981 795,380 432,359 363,021 1,250,000 6 I, 562 . 50 125,000 186,562.50 176,458.50 2,251,132.50 1982 795,380 432,359 363,021 1,125,000 56,250.00 125,000 181,250.00 181, 771 . 00 2,432,903.50 1983 795,380 432,359 363,021 1,000,000 50,625.00 125,000 175,625.00 187,396.00 2,620,299.50 1984 795,380 432,359 363,021 875,000 45,000.00 125,000 170,000.00 193,021 . 00 2,813,320.50 1985 795,380 432,359 363,021 750,000 39,375.00 125,000 164,375.00 198,646.00 3,011,966. 50 1986 795,380 432,359 363,021 625,000 33,750.00 125,000 158,750.00 204,271. 00 3,216,237.50 1987 795,380 432,359 363,021 500,000 28,125.00 125,000 153,125.00 209,896.00 3,426,133.50 1988 795,380 432,359 363,021 375,000 22,500.00 125,000 147,500.00 215, 521. 00 3,641,654.50 1989 795,380 432,359 363,021 250,000 16,875.00 125,000 141,875.00 221,146,00 3,862,800.50 1990 795,380 432,359 363,021 125,000 11,250.00 125,000 136,250.00 226,771.00 4,089,571.50 1991 795.380 432.359 363.021 5.625.00 125.000 130.625.00 232.396.00 4,321,967.50 $23,861,400 $12,970,770 $10,890,630 $2,468,662.50 $3,600,000 $6,068,662.50 $350,000 $150,000 $4,321,967.50 Average Annual Principal. . $120,000.00 Average Annual Interest. 82.288.75 Average Annual Principal & Interest . $202,288.75 Greatest Annual Principal & Interest (1962) . .252,300.00 Coverage of Average Annual Principal & Interest. . 1.79 Times Coverage af Greatest Annual Principal & Interest. . 1. 4388 Times - - -- - - - - - - - - - - - - - - - EX H I B IT III V II Toto I of Issue $3,600,000 SALI NA, KANSAS Final Maturity 25 years Date of Issue - 1961 WATER AND SEWAGE SYSTEM REVENUE BONDS BALANCE FOR REVENUE BONDS TOTAL GROSS LlE55 DEBT OUTSTANDI NG INTEREST PRINCIPAL DEBT BOND MAINTENANCE ANNUAL ACCUMULATED ~ REVENUE OPERATIONS SERVICE END OF YEAR COST PAYMENT SERVICE RESERVE RESERVE SURPLUS SURPLUS 1962 $ 810,308 $ 432,359 $ 377,949 $3,497,000 $ 148,650.00 $ 103,000 $ 251,650.00 $ 70,000 $ 30,000 $ 26,299.00 $ 26,299.00 1963 810 , 308 432,359 377,949 3,392,000 144,787.50 105,000 249,787.50 70,000 30,000 28,161.50 54,460.50 1964 810,308 432,359 377,949 3,285,000 140,850.00 107,000 247,850.00 70,000 30,000 30,099.00 84,559.50 1965 810,308 432,359 377,949 3,175,000 136,837.50 110,000 246,837.50 70,000 30,000 31,111.50 115,671.00 1966 810,308 432,359 377,949 3,065,000 132,712.50 110,000 242,712.50 70,000 30,000 35,236.50 150,907.50 1967 810,308 432,359 377,949 2,950,000 128,587.50 115,000 243,587.50 134,361.50 285,269.00 1968 810 , 308 432,359 377,949 2,835,000 124,275.00 115,000 239,275.00 138,674.00 423,943.00 1969 810,308 432,359 377,949 2,715,000 119,962.50 120,000 239,962.50 137,986.50 561 ,929. 50 1970 810,308 432,359 377,949 2,595,000 115,462.50 120,000 235,462.50 142,486.50 704,416.00 1971 810 , 308 432,359 377,949 2,475,000 110,962.50 120,000 230,962.50 146,986.50 851,402.50 1972 810,308 432,359 377,949 2,350,000 106,462.50 125,000 231,462.50 146,486.50 997,889.00 I 1973 810,308 432,359 377,949 2,225,000 101,775.00 125,000 226,775.00 151,174.00 1,149,063.00 t>,) 1974 810,308 432,359 377,949 2,095,000 97,087.50 130,000 227,087.50 150, 86 1 . 50 1,299,924.50 0 I 1975 810,308 432,359 377,949 1,960,000 91,562.50 135,000 226,562.50 151,386.50 1,451,311.00 1976 810,308 432,359 377,949 1,820,000 85,825.00 140,000 225,825.00 152,124.00 1,603,435.00 1977 810 , 308 432,359 377,949 1,670,000 79,875.00 150,000 229,875.00 148,074.00 1,751,509.00 1978 810,308 432,359 377,949 1,515,000 73,500.00 155,000 228,500.00 149,449.00 1,900,958.00 1979 810,308 432,359 377,949 1,355,000 66,912.50 160,000 226,912.50 151,036.50 2,051,994.50 1980 810,308 432,359 377,949 1,185,000 60, 112. 50 170,000 230, 112.50 147,836.50 2,199,831.00 1981 810,308 432,359 377,949 1,010,000 52,887.50 175,000 227,887.50 150,061 . 50 2,349,892.50 1982 810,308 432,359 377,949 825,000 45,450.00 185,000 230,450.00 147,499.00 2,497,391.50 1983 810,308 432,359 377,949 630,000 37,125.00 195,000 232,125.00 145,824.00 2,643,215.50 1984 810,308 432,359 377,949 430,000 28,350.00 200,000 228,350.00 149,599.00 2,792,814.50 1985 810,308 432,359 377,949 220,000 19,350.00 210 ,000 229,350.00 148,599.00 2,941,413.50 1986 8103.08 432.359 377 , 949 9.900.00 220 , 000 229.900.00 148.049.00 3,089,462.50 $20,257,700 $10,808,975 $9,448,725 $2,259,262.50 $3,600,000 $5,859,262.50 $350,000 $150,000 $3,089,462.50 Average Annual Principal. . $144,000.00 Average Annual Interest 90,370.50 Average Annual Principal & Interest . $234,370.50 Greatest Annual Principal & Interest (1962) . 251,650.00 Coverage of Average Annual Principal & Interest. .1.6126 Times Coverage of Greatest Annual Principal & Interest. . 1.50 Times X. REFUND I NG OF PRESENT WATERWORKS REVENUE BOND DEBT FOR I NCLUS ION IN $3,600, 000 WATER AND SEWER REVENUE BOND ISSUE The City's Revenue Bond indebtedness for the Waterworks System consists of an original amount of $1,000,000 Series B Bonds, dated August 1, 1953, and authorized under Ordinance No. 5798, and an original amount of $600,000 Series C Bonds, dated October 1, 1955, and authorized under Ordinance No. 6011. The present outstanding principal of the Series B Issue is $811,000, of which $63,000 will be retired August 1,1961, and the outstanding principal of the Series C Issue is $472,000, of which $38,000 will be retired August 1, 1961. A total of $1,182,000 in Water- works Revenue Bond Indebtedness will remain outstanding after August 1, 1961 payments. Additional waterworks capital improvements estimated to cost $654,500 are needed in the imme- diate future, and another Waterworks Revenue Bond Issue to provide the necessary funds would be a third lien on waterworks incomes, with the result that interest rates of such an issue would suffer accordingly. An item of even greater concern than excessive interest rates on new money Water- works Bonds, is the inability of the City to authorize an additional Waterworks Revenue Bond Issue at this time because of the depleted fiscal condition of its Waterworks Reserve Funds. Annual Auditor's Reports indicate that investments of Waterworks Department Reserves totaled $300,000 at the end of 1957. By the end of 1959, the Audits show that reserves had been reduced to $50,000, and the City Clerk's office advises that this $50,000 has now been dissipated. No bal- ances remain in either the Reserve Fund or Waterworks Replacement and Extension Fund, as pro- vided under Bond Ordinances No. 5798 and No. 6011. The City is technically in default under the covenants contained in the Bond Ordinances, since Ordinance No. 5798 provides for the maintenance of a $100,000 "Reserve Fund for Waterworks Revenue Bonds, Series B", and a $50,000 "Waterworks Replacement and Extension Fund". Ordinance No. 6011 provides for the maintenance of a $30,000 "Reserve Fund for Waterworks Revenue Bonds, Series C". A total of $180,000 in bond and maintenance reserves should be on hand today. These accumulations were on hand at the end of 1957. All required reserve accumulations have been expended for capital improvements, and while such expenditures were timely and urgently needed, such action was contradictory to the provisions of the two Bond Ordinances, which state that only after the City has accumulated reserve funds to their maximum requirements, may it then use additional net surpluses for the purpose of improving, extending, or enlarging the Waterworks Utility. In addi- tion, such reserve funds can only be used for certain specified purposes, none of which include expenditure thereof for capital improvements. Since the City has completely depleted the reserve fund required under both Bond Ordinances, it is not feasible to issue third lien Waterworks Revenue Bonds for improvements to the Waterworks System until maximum reserve funds have been restored. Relative to the conditions prescribed for additional Revenue Bond Issues, Section 12 contained in both Bond Ordinances reads substantially as follows: "Nothing contained in this Section 12 or in this ordinance shall prohibit or restrict the right of the City to issue additional revenue bonds for the purpose of altering, repairing, improv- ing, extending or enlarging the City's waterworks util ity and to provide that the interest on and principal of said additional revenue bonds shall be payable out of the net revenues of said utility contained in the "Waterworks Department Fund" referred-to in Section 8 of this ordinance provided at the time of the issuance of such additional revenue bonds the City shall not be in default in the performance of any covenant or aQreement herein contained, and provided further that such additional revenue bonds shall be junior and subordinate to the Waterworks Revenue Bonds, Series B, herein authorized, so that if at any time the City shall be in default in paying either interest on or principal of the Waterworks Revenue Bonds, Series B, herein authorized, or if the City shall be in default in making any payments required -21- I I I to be made by the provisions of this ordinance, the City shall make no payments of either in- terest on or principal of said junior and subordinate bonds until said default or defaults be cured and no default shall exist on the part of the City under the covenants, agreements, and conditions contained in this ordinance. II I Thus it would appear that the best procedure of Waterworks Revenue Bond financing presently available to provide for Waterworks System Improvements is through the financial vehicle of re- funding outstanding Waterworks Revenue indebtedness. This process will entail considerable time and some expense. However, more than adequate time is available to consider and process a possible Waterworks Revenue Bond Refunding prior to the August 1, 1961 option date. The over- all results achieved should more than justify the time required in programming such a refunding, and the cost can be well offset in more favorable interest rates resulting from a combined Water and Sewer Revenue Bond Issue enjoying greater financial stabil ity. Of more importance, a pro- gram of refunding present debt into a Water and Sewer Revenue Bond Issue will permit the City to proceed immediately with needed improvements in the Waterworks System. I I I The expense of programming a refunding procedure is indicated in the following Summary: I I I I I I I I I I I -22- I City of Salina, Kansas Estimate of Refunding Costs EXH I BIT "V" OUTSTANDING WATERWORKS REVENUE BONDS SERIES B DATED AUGUST 1, 1953 ANNUAL ANNUAL PRINCIPAL RATE INTEREST 1962 S 63,000 3-1/2% $ 26,878.75 1963 63,000 3-1/2% 24,673.75 1964 63,000 3-1/2% 22,468.75 1965 63,000 3-5/8% 20,263.75 1966 62,000 3-5/8% 17,980.00 1967 62,000 3-5/8% 15,732.50 1968 62,000 3-5/8% 13,485.00 I 1969 62,000 3-5/8% 11,237. 50 N 1970 62,000 3-5/8% 8,990.00 w I 1971 62,000 3-5/8% 6,742.50 1972 62,000 3-5/8% 4,495.00 1973 62,000 3-5/8% 2,247.50 $748,000 $175,195.00 SERI ES C DATED OCTOBER 1, 1955 ANNUAL PRINCIPAL RATE $ 40,000 42,000 44,000 46,000 48,000 50,000 52,000 55,000 57,000 2-3/4% 3% 3% 3% 3% 3% 3% 3% 3% $434,000 The following summaries indicate interest costs if presently outstanding waterworks bonds were refunded: $68,810.00 ANNUAL INTEREST $12,920.00 11,820.00 10 , 560 . 00 9,240.00 7,860.00 6,420.00 4,920.00 3,360.00 1,710.00 1) Total interest cost of $1,182,000 Waterworks Bonds @ 3-3/4% (1962/1973) ----------- $267,862.50 Total interest cost of $1,182,000 Waterworks Bonds@ present rates and maturities: Series B Bonds -------------------------------- $175, 195.00 Series C Bonds -------------------------------- 68,810.00 244,005.00 Net Difference--------------------------------------______ $ 23,857.50 2) Call premium expense if $1,182,000 outstanding bonds called in 1961: Series B Bonds - $748,000 (1962/1973) @ 3% call premium ------------------ $ 22,440.00 Series C Bonds - $434,000 (1962/1970) @ 1-1/2% call premium -------------- 6,510.00 TOTAL------------------------------------------_______ $ 28,950.00 WATERWORKS REFUNDING BONDS, IF ISSUED TOTAL ESTIMATED PRESENT INTEREST MATURITIES RATE COST $ 103,000 3-3/4% $ 44,325.00 105,000 3-3/4% 40,462.50 107,000 3-3/4% 36,525.00 109,000 3-3/4% 32,512.50 110 ,000 3-3/4% 28,425.00 112,000 3-3/4% 24,300.00 114,000 3-3/4% 20,100.00 117,000 3-3/4% 15,825.00 119,000 3-3/4% 11,437.50 62,000 3-3/4% 6,975.00 62,000 3-3/4% 4,650.00 62,000 3-3/4% 2,325.00 $1,182,000 $267,862.50 I I I The merits and financial advantages of refunding should be thoroughly analyzed and considered. By combining the Water and Sewer Departments and authorizing a Water and Sewer Revenue Bond Issue for new money and refunding purposes, the resulting "System" would be permitted to issue revenue obligations of a first lien status and enjoy substantial interest cost savings. These savings may be emphasized when compared with the interest cost penalties which would be experienced on third lien Waterworks Revenue Bonds when issued at some future date when the City's fiscal condition would permit such issuance. I I A combined Water and Sewer Revenue Bond Issue would permit the development of a more permis- sive Bond Ordinance providing for future bond issues of the Water and Sewer System as co-equal indebtedness once financial stabil ity was determined. While it is not anticipated that additional Revenue Bonds might be required for either water or sewer expansions, the authorization at this time would preclude any future financial e'mbarrassment should the City's growth factors substan- tially increase, and expansion require additional capital improvement financing. Present Water- works Revenue Bond Ordinances have been well prepared but do not provide for the issuance of co-equal first 1 ien bonds under an)' conditions. I I The combining of the two uti I ity operations into one financial procedure not only develops better security for bond issuance, but enables mechanical and fiscal savings to be experienced in actual system operations. The realistic accumulation of surplus earnings in anticipation of growth factors should create funds for normal and anticipated Water and Sewer System enlargements, expansions, and extensions. II I I XI. SUMMARY AND RECOMMENDATIONS I The establ ishment of sewer service charges under any method may result in possible inequities and administrative problems, but it has been the experience of most midwestern cities that a system of sewer rates based on the procedures of Method "2" is fair and reasonable. Sewer charge costs computed from monthly water consumption establ ish a sewer fiscal operation on an actual use basis as is customary in most utilities, and this procedure will result in lower service charges to those customers using I ittle water, and higher sewer charges for those using more water. Equitable ex- ceptions must be made for sewer customers using large quantities of water not actually discharged into the Sanitary Sewer System, (bottling plants, wash racks at filling stations, etc.). I I I It should be noted that 9,145 customers, or 73% of the possible 12,431 sewer connections, will experience a smaller monthly sewer charge if sewer rates are based on winter water usage than if the flat fee sewer rate procedure is used. In order to equal the income required under Schedule "A", a flat fee of $1.85 per month would be required. Similarly, a flat fee of $1.95 per month would be required to produce the incomes of Schedule "B". This percentage should be considered by the City Commission in determining which method of sewer rates is to be established. I I This Report has been designed to analyze the effect of a $1,650,000 General Obligation Sewer Bond Issue, and to establish the requirements necessary to service a $1,650,000 Sewer Revenue Bond Issue and a $3,600,000 Water and Sewer Revenue Bond Issue. The Water and Sewer Revenue Bond Issue will, in addition to $1,650,000 for Sewage System Improvements, provide $654,500 for capital improvements to the Waterworks System, and will finance the refunding of $1,182,000 of Waterworks Revenue Bonds. An issue of Water and Sewer System Revenue Bonds could be issued without suffering penalties resulting from an inferior lien status, as would be the case with a third I ien Waterworks Revenue Bond Issue. I I -24- I This Report further provides an explanation of the various methods of applying a system of sewer service charges and establishes a factual basis for analyzing maturity schedules. Debt service re- quirements have been established for 25 and 30 year maturity schedules for both a $1,650,000 and a $3,600,000 Revenue Bond Issue. Tentative sewer rates computed on both a winter water consumption basis and a flat fee basis have been outlined. The present direct and overlapping general obligation debt status is shown in order that the City may design its fiscal program for Sewer Improvements in anticipation of increased General Obi igation Bond indebtedness in the future. In addition, the probable annual cost for the average residence of a Sewer Improvement and Maintenance Program financed by a tax levy has been shown. The Governing Body should analyze the various methods of financing outlined in this Report and establish a method most suitable for the objectives sought by the Cily. In addition, it will be necessary to decide the scope of the project and resolve whether the most efficient and desirable results can be obtained from a Sewer Improvement Program alone or from a combined water and sewer operation and the refunding of the present Waterworks Revenue indebtedness. The two principal methods of determining sewer charges and the four comparative bond maturity schedules should be carefully considered. The Governing Body may then establ ish an overall program which is most equitable and best suited to the majority of the people of Salina. Respectfully submitted, FIRST SECURITI ES COMPANY OF KANSAS, INC. By December 15, 1960 -25- I I I I I I I FiRST SECUaS CoMPANY \.~J SCHWEITER BLDG. ~ WICHITA. KANSAS I I OF KANSAS INCORPORATED WICHITA OFFICE 200 SCHWEITER BLDG. TEL. AMHERST 2-4411 KANSAS CITY OFFICE 1000 INS. EXCHANGE BLDG. TEL. HARRISON 1-3870 I I I I I I I I I I