2012 Annual Report. Meeting the Capital Needs of Vermont's Municipalities. Since Montpelier City. Wilmington Town Hall.
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1 2012 Annual Report Newfane Town Wilmington Town Hall Montpelier City Meeting the Capital Needs of Vermont's Municipalities Since 1970
2 Table of Contents Board Letter Board Members, Staff and Advisors/Consultants...1 Bond Bank Profile Series 1, 2, 3, 4, & 5 Bond Issues Bond History and Outstanding Loans..11 State Revolving Fund History and Loan Balances.19 Peacham Town Barre Tow n
3 Vermont Municipal Bond Bank Meeting the Capital Needs of Vermont s Municipalities Since 1970 BOARD OF DIRECTORS John Valente, Chair David Coates, Treasurer Kathryn Boardman, Director David Kimel, Director Elizabeth Pearce, State Treasurer Ex-Officio Member ADMINISTRATION Robert W. Giroux Secretary& Executive Director March 6, 2013 Honorable Peter Shumlin and Members of the Vermont General Assembly State House Montpelier, Vermont Dear Governor Shumlin and Members of the General Assembly: Since 1970 the Vermont Municipal Bond Bank has been serving Vermont s municipalities by providing them access to low cost financing through the municipal bond market. Pursuant to 24 V.S.A. 4571a, it is our privilege to provide you with the Vermont Municipal Bond Bank s Annual Report for Starting with the 1970 Series A bonds, the Bond Bank has issued $1.96 billion through 69 series of bonds, including 28 refunding bonds, to finance various projects through 1,074 loans to over 400 of Vermont s municipalities. The Vermont Municipal Bond Bank also manages the financial operations of the State Environmental Revolving Loan Fund program. Since the Fund s inception in 1990, 544 municipalities and districts have received loans totaling $361.2 million for critical water supply, pollution control and solid waste management projects. Through the combined efforts of the Board, staff and consultants, the Vermont Municipal Bond Bank has and will continue to strive to provide municipal financings in an efficient and economical manner. We hope you find this report useful. We would be pleased to provide you with additional information or answer your questions about the Vermont Municipal Bond Bank. Thank you for giving us the opportunity to serve the people of the State of Vermont. Respectfully submitted, John Valente Chair Robert W. Giroux Executive Director
4 Directors, Staff and Consultants Board of Directors Chair: Treasurer Director: Ex-Officio: John Valente David Coates Kathryn Boardman David Kimel Beth Pearce, State Treasurer Staff Executive Director & Secretary: Administrative Assistant: Assistant: Robert Giroux Deborah Fillioe Robert Fillioe Consultants Arbitrage Rebate: Bond Counsel: Financial Advisors: Financial Auditors: Investment Advisors Trustees: Underwriter: OmniCap Group LLC Mintz, Levin, Cohn, Ferris, Glovsky and Popeo, P.C. Lamont Financial Services Corporation Omnicap, LLC. Mudgett, Jennett & Krogh-Wisner, P.C. Sullivan, Powers & Co. McDonnell Investment Management, LLC People s United Bank Institutional Trust U.S. Bank National Association People's United Bank Institutional Trust Deutsche Bank Trust Company America Citigroup Global Markets, Inc. 1
5 Vermont Municipal Bond Bank Meeting the Capital Needs of Vermont s Municipalities Since 1970 What is the Vermont Municipal Bond Bank? The Bond Bank is an instrumentality of the State of Vermont administered by a board of directors that includes the State Treasurer and four members appointed by the Governor. The Executive Director manages the day-to-day operations. The Bond Bank was established in 1970 with a mandate to provide municipalities with access to capital markets at the lowest possible cost. To date the Bond Bank has issued over $1.96 billion in tax- exempt and taxable bonds for 69 new money and refunding bond series. the application. Once approved, all the municipality has to do is sign several loan documents prepared by local bond counsel and wait for the bond proceeds. The Bond Bank completes all the remaining documents and takes care of all the ongoing monitoring and reporting requirements. 5. Federal disclosure requirements: federal tax law requires ongoing disclosure of each bond issuer every year after a sale. Since the Bond Bank is responsible for meeting the disclosure requirements, individual borrowers through the Bond Bank do not have to. How does a municipality participate in a Bond Bank financing? Rutland City Who is eligible to borrow through the Bond Bank? Eligible borrowers include cities, towns, villages, schools and water, sewer, fire, transportation and solid waste districts. Why finance through the Bond Bank? 1. Lower interest rates: because of the Bond Bank s experience, credit ratings and recognition in the capital market. 2. Credit enhancement & security: the Bond Bank is currently rated AA+ by S&P and Aa2 by Moody s. When economical, the VMBB has obtained low cost AAA bond insurance. 3. Costs of issuance: the Bond Bank includes the cost of issuance in its bonds. The only out-of-pocket costs the municipalities have to pay are for local bond counsel and a financial audit. 4. Simplification: the Bond Bank assists municipalities with the completion of To be eligible to participate, each applicant must obtain the following: 1. Voter approval - as required by Vermont Statutes; 2. Local bond counsel opinion - legal opinion from a Bond Bank approved bond counsel firm; and 3. Financial audit - for the most recently completed year and by an independent CPA. When these steps are completed the Bond Bank s application can be completed and submitted for approval. How does the Bond Bank sell its bonds and determine the interest rates? When the Bond Bank is ready to enter the capital markets, it combines all approved borrowers into a single pooled bond issue. The financing team determines if bond insurance is needed and cost effective. Bond documents are submitted to the rating agencies for review and comment. An official statement is compiled, printed and mailed to all Vermont investment firms. The bonds are pre-marketed to Vermont individuals and then to institutional investors. The interest rates are established through negotiation with the underwriter and are based on the order demand from investors, current national interest rates and a review of recent comparable financings. 2
6 How often does the Bond Bank sell bonds? Bonds are usually sold once a year, typically in June or July. The bond proceeds are then made available to the participating municipalities, often the same day as closing. Prior to the bond sale, municipalities can use interim financing from commercial banks in the form of bond anticipation notes (BANS). What type of information does the Bond Bank look for in its application and who reviews it? The application asks for project, tax rate, financial, economic, debt, income, and population information. Much of the data is for the entire municipality and not just the town, school or village. The information can be easily found in municipal or state reports. The application is reviewed by the Bond Bank staff and Board of Directors. In addition, each application may be analyzed by the underwriter, bond counsel, rating agencies and bond insurance company. What if interest rates change significantly after the closing? Borrowers are always protected against having their interest rates increased due to a post-closing changing market. However, in the event rates decline by a significant amount the Bond bank may refund the existing bonds and pass the savings on to the borrowers. Can a municipality pay off a bond early after the bond is issued? It is usually not economical for a municipality to repay a bond early. Because bonds are issued on a pooled basis, it is very expensive to extricate a municipality from the pool. The VMBB is constantly monitoring the pool for refunding opportunities, the savings of which are returned to pool members. Who typically are the investors who buy these bonds? In recent years many of our bonds have been sold to individual Vermont investors. Other investors can include banks, mutual funds, insurance companies and other corporations. The bonds are exempt from both state (Vermont residents) and federal (U.S. residents) income taxes. Does the Bond bank offer assistance in the bonding process? The Bond Bank provides borrower assistance including, explaining the bond process, providing estimated debt service schedules, and providing information on supplemental and alternative financing. For more information on the Vermont Municipal Bond Bank, please visit our website at When are debt service payments made and how is the amount determined? Debt service payments are due in November and May. Principal payments are due every November 15 th and semiannual interest payments every May 15 th and November 15 th. General municipal and school projects are required to pay in level or declining principal payments. Certain public utility projects can pay with level debt service or level principal. 3
7 2012 Series 1 Bond Issue Summary In July 2012 the Bond Bank sold one series of tax-exempt, 2012 Series 1, for $ million. The bonds were issued without bond insurance. The All-In Cost of Borrowing was 3.007%. Maturity (December 1) Bonds Type Coupon Yield Series 1 Issue Size: $36,125, $50,000 Serial 2.000% 0.300% 2013 $1,610,000 Serial 0.300% 0.300% Dated Date: August 1, $1,650,000 Serial 2.000% 0.470% Delivery Date: August 1, $240,000 Serial 3.000% 0.680% Final Maturity December 1, $1,440,000 Serial 5.000% 0.680% 2016 $115,000 Serial 3.000% 0.830% Senior Manager: CitiGroup 2016 $1,610,000 Serial 5.000% 0.830% 2017 $240,000 Serial 3.000% 1.060% Bond Insurer: N/A 2017 $1,500,000 Serial 1.500% 1.060% 2018 $265,000 Serial 3.000% 1.380% Underlying Ratings: 2018 $1,410,000 Serial 5.000% 1.380% Moody's Investors Aa $200,000 Serial 4.000% 1.600% Standard & Poor's AA $1,505,000 Serial 5.000% 1.600% 2020 $200,000 Serial 4.000% 1.880% 2020 $1,545,000 Serial 5.000% 1.880% 2021 $200, Serial 4.000% 2.070% 2021 $1,570,000 Serial 5.000% 2.070% 2022 $115,000 Serial 4.000% 2.210% 2022 $1,695,000 Serial 5.000% 2.210% 2023 $1,695,000 Serial 5.000% 2.360% 2024 $1,720,000 Serial 5.000% 2.510% 2025 $1,735,000 Serial 5.000% 2.630% 2026 $1,735,000 Serial 3.000% 3.100% 2027 $1,715,000 Serial 3.000% 3.170% 2028 $1,710,000 Serial 5.000% 2.870% 2029 $1,730,000 Serial 5.000% 2.920% 2030 $1,745,000 Serial 5.000% 2.980% 2031 $1,760,000 Serial 5.000% 3.040% 2032 $1,775,000 Serial 5.000% 3.110% 2042 $1,645,000 Term 4.000% 4.080% Windsor Town 4
8 2012 Series 2 Bond Issue Summary In August 2012 the Bond Bank sold one series of federally taxable Qualified School Construction Bonds, 2012 Series 2, for $8.855 million. The bonds were issued without bond insurance. The All-In Cost of Borrowing for this bond series was 0.044%. Maturity (December 1) Bonds Type Interest Rate Yield Series 3 Issue Size: $8,855, $300,000 Term 3.513% Price of 100% 2032 $8,555,000 Term 3.960% Price of 100% Dated Date: July 14, 2011 Delivery Date: July 14, 2011 Final Maturity December 1, 2027 Senior Manager: CitiGroup Bond Insurer: None Underlying Ratings: Moody's Investors Fitch Ratings Aa2 AA Rochester Town 5
9 2012 Series 3 Bond Issue Summary In August 2012, the Bond Bank sold one series of refunding bonds, 2012 Series 3, for $26.59 million. The bonds were issued without bond insurance. The All-In Cost of Borrowing was 2.027%. The 2012 Series 3 bonds refunded previously issued 2004 Series 1 bonds with a Net Present Value savings of $2,971,633 (10.374%). Maturity (December 1) Bonds Type Interest Rate Yield Series 3 Issue Size: $26,590, $3,190,000 Serial 5.000% 0.680% 2016 $2,525,000 Serial 5.000% 0.830% Dated Date: August 1, $2,545,000 Serial 5.000% 1.060% Delivery Date: August 1, $2,465,000 Serial 5.000% 1.380% Final Maturity December 1, $3,570,000 Serial 5.000% 1.600% 2020 $2,580,000 Serial 5.000% 1.880% Senior Manager: CitiGroup 2021 $2,505,000 Serial 5.000% 2.070% 2022 $2,445,000 Serial 5.000% 2.210% Bond Insurer: None 2023 $2,440,000 Serial 5.000% 2.360% 2024 $2,325,000 Serial 5.000% 2.510% Underlying Ratings: Moody's Investors Aa2 Standard & Poor's AA+ Manchester Town 6
10 2012 Series 4 Bond Issue Summary In November 2012, the Bond Bank sold one series of "new money" bonds, 2012 Series 4, for $8.79 million. The Series 4 bonds refinanced debt that 13 municipalities had with the U.S. Department of Agriculture Rural Development and financed new projects for 5 municipalities. The bonds were issued without bond insurance. The All-In Cost of Borrowing for this bond series was 2.982%. Maturity (December 1) Bonds Type Interest Rate Yield Series 4 Issue Size: $8,790, $285,000 Serial 2.000% 0.250% 2014 $425,000 Serial 3.000% 0.400% Dated Date: November 15, $430,000 Serial 3.000% 0.570% Delivery Date: November 15, $435,000 Serial 3.000% 0.720% Final Maturity December 1, $435,000 Serial 3.000% 0.900% 2018 $455,000 Serial 4.000% 1.130% Senior Manager: CitiGroup 2019 $470,000 Serial 4.000% 1.400% 2020 $485,000 Serial 4.000% 1.640% Bond Insurer: None 2021 $495,000 Serial 4.000% 1.880% 2022 $500,000 Serial 4.000% 2.050% Underlying Ratings: 2023 $275,000 Serial 4.000% 2.210% Moody's Investors Aa $275,000 Serial 5.000% 2.280% Standard & Poor's AA $270,000 Serial 5.000% 2.350% 2026 $280,000 Serial 5.000% 2.420% 2027 $280,000 Serial 5.000% 2.480% 2028 $305,000 Serial 5.000% 2.540% 2029 $320,000 Serial 5.000% 2.600% 2030 $310,000 Serial 5.000% 2.660% 2031 $300,000 Serial 5.000% 2.720% 2032 $300,000 Serial 5.000% 2.780% 2034 $540,000 Term 5.000% 2.920% 2037 $555,000 Term 5.000% 3.110% 2043 $365,000 Term 3.375% 3.510% Stowe Town 7
11 2012 Series 5 Bond Issue Summary In November 2012, the Bond Bank sold one series of refunding bonds, 2012 Series 5, for $6.485 million. The bonds were issued without bond insurance. The All-In Cost of Borrowing for this bond series was 1.732%. The 2012 Series 5 bonds refunded previously issued 2003 Series 1 bonds with a Net Present Value savings of $766,467 (8.322%). Maturity (December 1) Bonds Type Interest Rate Yield Series 5 Issue Size: $6,485, $1,500,000 Serial 2.000% 0.250% 2014 $1,160,000 Serial 4.000% 0.400% Dated Date: November 15, $2,230,000 Serial 4.000% 0.570% Delivery Date: November 15, $465,000 Serial 4.000% 0.720% Final Maturity December 1, $500,000 Term 4.000% 1.130% 2019 $95,000 Serial 3.000% 1.400% Senior Manager: CitiGroup 2020 $15,000 Serial 3.000% 1.640% 2021 $15,000 Serial 3.000% 1.880% Bond Insurer: None 2022 $25,000 Serial 3.000% 2.050% 2023 $480,000 Serial 5.000% 2.210% Underlying Ratings: Moody's Investors Aa2 Standard & Poor's AA+ Lyndonville Village 8
12 2012 Series Bonds New Money Projects Participating Municipalities Municipality Loan Amount Purpose 2012 Series 1 - Tax Exempt Bonds Bakersfield School District $1,125,000 Elementary school construction and renovation Bolton School District $260,000 Replace elementary school roof Champlain Water District $2,500,000 Water system infrastructure improvements Franklin School District $375,000 Replace elementary school roof Guilford Town $195,000 Construct a municipal waterline extension. Hartford School District $4,000,000 High school construction and renovation Hartford Town $1,135,225 Repair/reconstruct Quechee Bridge Hinesburg School District $240,000 Elementary school construction and renovation Ludlow Town $176,000 Purchase Caterpillar road grader Manchester Town $1,500,000 Improvements to Dana L. Thompson Memorial Park Middlebury Town $4,875,000 Fire station expansion and renovation Middlebury Union School District #3 $1,000,000 Replace high school roof Montpelier City $1,670,000 City parking lot Putney School District $840,000 Elementary school energy efficiency yproject Rockingham Town $2,955,000 Library renovations and improvements Rutland City $1,000,000 Infrastructure improvements Rutland Town School District $100,000 Installation of a 60 kw photovoltaic power system including controls Shelburne Town $265,000 Purchase new highway truck and water system repairs. Stowe Town $4,000,000 Construction of a new ice skating rink Swanton School District $150,000 Replace elementary school roof Thetford School District $80,000 Land purchase Union School District #23 $150,000 Replacement of the Currier Memorial School roof Whitingham School District $4,806,925 Elementary school construction and renovation Wilmington School District $1,986,442 Elementary school construction and renovation Williston Town $200,000 Library renovations and improvements Windsor Town $1,000,000 Repair Kennedy Pond dam. Total 2012 Series 1 Loans $36,584, Series 2 - Qualified School Construction Bonds Richmond School District $300,000 School infrastructure improvements Rockingham School District $8,556,000 School construction and renovation Total 2012 Series 2 Loans $8,856,000 9
13 2012 Series Bonds New Money Projects Participating Municipalities Municipality Loan Amount Purpose Barre Town $642,987 Refund USDA-RD water system debt Barton Village $446,735 Refund USDA-RD water and sewer system debt Bethel School District $550,000 Elementary school renovation and repairs Bradford Town $382,423 Refund USDA-RD sewer system debt Brandon Town $932, Series 4 - Tax Exempt Bonds Refund USDA-RD sewer system debt and construction of a new police station East Calais Fire District #1 $124,881 Refund USDA-RD water system debt Grand Isle Consolidated Water District $1,539,618 Refund USDA-RD water system debt Lyndon Town $550,581 Refund USDA-RD sewer system debt Lyndonville Village $716,628 Refund USDA-RD water system debt Marshfield Village $267,497 Refund USDA-RD water system debt Newfane Town $250,000 Refund Bond Anticipation Note (Dover Road Bridge Project) Peacham Fire District #1 $229,026 Refund USDA-RD water system debt Rochester Town $693,879 Refund USDA-RD water and sewer system debt Rochester School District $250,000 School construction and renovation Shoreham Town $293,180 Refund USDA-RD sewer system debt Stowe Fire District #3 $172,637 Refund USDA-RD water system debt Strafford Town $1,100,000 Construction of new public works building and refund TS Irene current expense note Williston Town $400,000 "Water Tank" land purchase Total 2012 Series 4 Loans $9,543,059 10
14 Year Series # of Loans Loan Bonds Other Bonds Vermont Municipal Bond Bank Summary of Annual Issues Refunding Bonds Total Bonds 20 Year Loan NIC (1) Credit Rating (1) 12/31/12 Bonds Outstanding 12/31/12 Loans Outstanding 1970-A 48 $41,230,000 $4,770,000 $46,000, % Aa/AA 1972-A 22 $18,205,000 $5,810,000 $39,485,000 $63,500, % Aa/AA 1972-B 14 $7,315,000 $805,000 $8,120,000 A/A 1973-A 15 $10,380,000 $1,045,000 $11,425, % A/A 1976-A 9 $5,760,000 $640,000 $6,400, % A/A 1978-A 9 $6,645,000 $855,000 $7,500, % A/A 1982-A 12 $8,105,000 $1,495,000 $9,600, % A/A 1983-A 21 $7,145,000 $935,000 $8,080, % A/A 1983-B $11,445,000 $11,445, % A/A 1984-A 15 $9,630,000 $1,470,000 $11,100, % A/A 1985-A 12 $8,665,000 $1,250,000 $9,915, % A/A 1985-B 8 $4,015,000 $545,000 $4,560,000 A/A 1986-A 22 $10,645,000 $850,000 $11,495, % A/A 1986-B $455,415 $19,509,585 $19,965,000 A/A 1987-A 33 $23,720,000 $2,630,000 $26,350, % A/A $13,064,076 $1,630,924 $14,695, % A/A $18,015,000 $2,230,000 $20,245,000 A/A $2,500,000 $280,000 $2,780,000 A/A $33,490,000 $2,890,000 $36,380, % A/A $13,530,000 $1,810,000 $15,340,000 A/A $23,110,000 $2,275,000 $25,385, % A/A $33,110,000 $3,440,000 $36,550, % A/A $33,450,000 $3,665,000 $37,115, % A/A $561,224 $29,593,776 $30,155,000 A/A A $370,469 $17,374,531 $17,745,000 A/A $25,425,000, $1,995,000, $27,420,000, 5.28% A/A $27,530,000 $2,835,000 $30,365, % A/A $51,380,000 $2,640,000 $54,020, % A/A $177,900 $92,822,100 $93,000,000 A/A $83,495,000 $7,445,000 $90,940, % A/A $21,360,000 $2,185,000 $23,545, % A/A $34,175,000 $2,435,000 $36,610, % A/A $29,800,000 $29,800,000 A/A A $8,840,000 $8,840,000 A/A $39,440,000 $2,950,000 $42,390, % A/A $43,810,000 $3,470,000 $1,265,000 $48,545, % A1/A $36,055,000 $2,465,000 $38,520, % Aa3/A+/AA $32,640,000 $2,000,000 $34,640, % Aa3/A+/AA $43,760,000 $43,760,000 Aa3/AA A $7,690,000 $7,690,000 Aa3/AA+ $630,000 $ $61,315,000 $1,720,000 $63,035, % Aa3/AA+ $3,410,000 $ $60,555,000 $2,625,000 $63,180, % Aa3/AA+ $7,325,000 $ $35,170,000 $35,170,000 Aa3/AA+ $10,650,000 $7,070, $39,200,000 $39,200, % Aa3/AA+ $24,565,000 $22,265, $55,580,000 $55,580,000 Aa3/AA+ $20,975,000 $17,835, $35,675,000 $35,675,000 Aa3/AA+ $8,130,000 $8,485, $42,735,000 $42,735, % Aa3/AA+ $30,790,000 $27,700, $52,450,000 $52,450, % Aa3/AAA $38,955,000 $36,740, $29,695,000 $29,695,000 Aa3/AAA $15,145,000 $14,140, $37,935,000 $37,935, % Aa2/AAA $30,160,000 $28,105, $5,635,000 $5,635, % Aa2/AAA $5,635,000 $5,035, $61,560,000 $61,560, % Aa2/AAA $52,955,000 $52,250, $26,025,000 $26,025,000 Aa2/AAA $13,390,000 $12,920, $23,150,000 $23,150, % Aa2/AAA $21,490,000 $20,725, $8,560,000 $8,560, % Aa2/AAA $8,690,000 $7,805, $1,365,000 $1,365, Aa2/AAA $1,365,000 $1,365, $39,305,000 $39,305,000 Aa2/AAA $31,530,000 $31,575,000 11
15 Vermont Municipal Bond Bank Summary of Annual Issues Year Series # of Loans Loan Bonds Other Bonds Refunding Bonds Total Bonds 20 Year Loan NIC (1) Credit Rating (1) 12/31/12 Bonds Outstanding 12/31/12 Loans Outstanding $22,720,000 $22,720, % Aa2/AAA $22,605,000 $20,865, $9,500,000 $9,500, Aa2/AA $9,500,000 $9,500, $25,665,000 $25,665, % Aa2/AA $24,190,000 $23,270, $2,940,000 $2,940, Aa2/AA $2,940,000 $2,940, $14,370,000 $14,370,000 Aa2/AA $14,275,000 $13,150, $43,695,000 $43,695, % Aa2/AA $42,355,000 $43,383, $25,895,000 $25,895,000 Aa2/AA $25,895,000 $29,350, $36,125,000 $36,125, % Aa2/AA+ $36,125,000 $38,528, $8,855,000 $8,855, Aa2/AA+ $8,855,000 $8,855, $26,590,000 $26,590,000 Aa2/AA+ $26,590,000 $33,235, $8,790,000 $8,790, % Aa2/AA+ $8,790,000 $9,474, $6,485,000 $6,485,000 Aa2/AA+ $6,485,000 $5,767,723 Total 1074 $1,279,789,076 $77,650,932 $596,374,992 $1,953,815,000 $554,395,000 $532,333,845 (1) Net interest cost (weighted average interest rate) for a 20 year loan Cavendish Town Chester Town 12
16 Vermont Muncipal Bond Bank Outstanding Borrowers as of 12/31/2012 Municipality 12/31/2012 Outstanding Loans Percent of Total Loan Portfolio Addison County Solid Waste Management District $270, % Addison Town School District $25, % Albany Town $460, % Albany Town School District $245, % Arlington Town School District $70, % Bakersfield Fire District $62, % Bakersfield Town School District $1,125, % Barnard Town School District $200, % Barre City $13,634, % Barre City School District $200, % Barre Town $1,167, % Barre Town School District $395, % Barton Village $2,746, % Barton Village (Revenue) $1,980, % Bellows Falls Village $1,320, % Bellows Free Academy Union High School District No. 48 $4,005, % Belvedere Town School District $150, % Bennington Town $670, % Benson Town School District $50, % Berkshire Town $50, % Berkshire Town School District $40, % Berlin Town $125, % Bethel Town $455, % Bethel Town School District $565, % Black River Union School District #39 $260, % Blue Mt. Union School District $930, % Bolton Town $300, % Bolton Town School District $680, % Bradford Academy & Graded School District $1,970, % Bradford Town $382, % Bradford Village $245, % 046% Braintree Town School District $175, % Brandon Fire District #1 $2,050, % Brandon Town $2,850, % Brattleboro Town $16,180, % Brattleboro Town School District $645, % Brattleboro Union School District $17,600, % Bridgewater Town $50, % Bridport Town School District $470, % Brighton Town $390, % Bristol Town $1,807, % Brookline Town $180, % Burke Town School District $40, % Cabot Town $720, % Cabot Town School District $310, % Calais Town $120, % Cambridge Town School District $3,965, % Cambridge Village $15, % Castleton Fire District #3 $1,653, % Cavendish Town $155, % Cavendish Town School District $840, % Champlain Valley Union School District #15 $8,415, % Champlain Water District $8,740, % Charlotte Town $390, % Charlotte Town School District $400, % Chelsea Town $417, % Chester Town $1,403, % Chester-Andover Union School District #29 $260, % 13
17 Vermont Muncipal Bond Bank Outstanding Borrowers as of 12/31/2012 Municipality 12/31/2012 Outstanding Loans Percent of Total Loan Portfolio Chittenden County $1,080, % Chittenden Town School District $565, % Colchester Fire District #2 $1,179, % Colchester Fire District #3 $215, % Colchester Town $6,895, % Colchester Town School District $620, % Concord Town School District $60, % Coventry Fire District #1 $18, % Coventry Town School District $150, % Danby-Mt. Tabor Fire District #1 $562, % Danville Fire District #1 $945, % Derby Center Village $862, % Derby Line Village $765, % Derby Town $890, % Dover Town School District $105, % Duxbury Town School District $95, % East Calais Fire District #1 $120, % East Haven Town School District $140, % East Montpelier Town $1,890, % Enosburg Falls Graded School District $4,245, % Enosburg Falls Village $625, % Enosburg Falls Village (Revenue) $615, % Enosburg Town $150, % Essex Community Educational Center Union School District #46 $9,800, % Essex Junction Independent School District $1,200, % Essex Junction Village $1,585, % Essex Town $40, % Essex Town School District $2,860, % Fair Haven Town $285, % Fair Haven Town School District $975, % Fairfax Town School District $885, % Ferrisburgh Fire District #1 $110, % Ferrisburgh Town $275, % Ferrisburgh Town School District $1,480, % Flood Brook Union School District #20 $1,245, % Franklin Town School District $375, % Georgia Town $1,260, % Georgia Town School District $45, % Glover Town School District $185, % Grand Isle Consolidated Water Dist $1,500, % Grand Isle Fire District #4 $35, % Granville Town School District $50, % Greater Upper Valley Solid Waste Management District $2,070, % Guilford Town $545, % Halifax Town $110, % Hardwick Town $1,205, % Hardwick Town School District $125, % Hardwick Village (Revenue) $710, % Hartford Town $2,230, % Hartford Town School District $4,910, % Harwood Union School District $985, % Hazen Union School District $200, % Hinesburg Town $1,020, % Hinesburg Town School District $865, % Hubbardton Town $245, % Huntington Town $885, % Huntington Town School District $315, % Isle LaMotte Town School District $100, % 14
18 Vermont Muncipal Bond Bank Outstanding Borrowers as of 12/31/2012 Municipality 12/31/2012 Outstanding Loans Percent of Total Loan Portfolio Jericho Town $960, % Jericho Town School District $950, % Jericho Underhill Water District $505, % Jericho Village $180, % Johnson Town School District $760, % Johnson Village $1,617, % Killington Town $1,905, % Lamoille Solid Waste Management District $85, % Lamoille Union School District #18 $9,295, % Leland & Gray Union School District No. 34 $2,200, % Lincoln Town $270, % Lincoln Town School District $2,000, % Lowell Town School District $45, % Ludlow Town $2,046, % Ludlow Town School District $30, % Ludlow Village $120, % Lyndon Town $1,690, % Lyndonville Village $2,181, % Manchester Town $7,015, % Manchester Town School District $1,575, % Marlboro Town School District $30, % Marshfield Village $269, % Mendon Town $155, % Mendon Town School District $565, % Middlebury Town $24,905, % Middlebury Union School District #3 $2,500, % Middlebury Union School District #4 $1,080, % Middlesex Town $720, % Middletown Springs Town School District $160, % Mill River Union School District #40 $865, % Miller's Run Union School District #37 $705, % Milton Town $2,386, % Milton Town School District $5,575, % Missisquoi Valley Union School District $500, % Monkton Town $75, % Monkton Town School District $360, % Montgomery Town $425, % Montgomery Town School District $905, % Montpelier City $18,515, % Montpelier City School Department $2,730, % Montpelier Fire District $550, % Moretown Town $840, % Moretown Town School District $220, % Morristown Town School District $1,465, % Morrisville Village $3,675, % Morrisville Village (Revenue) $1,245, % Mt. Abraham Union High School District #28 $680, % Mt. Anthony Union High School District #14 $6,045, % Mt. Holly Town School District $205, % Mt. Mansfield Union School District #17 $2,505, % New Haven Town $500, % New Haven Town School District $90, % Newark Town School District $60, % Newbury Town School District $305, % Newbury Village $93, % Newfane Town $265, % Newport City $1,265, % Newport City School District $240, % 15
19 Vermont Muncipal Bond Bank Outstanding Borrowers as of 12/31/2012 Municipality 12/31/2012 Outstanding Loans Percent of Total Loan Portfolio North Bennington Incorporated School District $135, % North Bennington Village $450, % North Branch Fire District No. 1 $1,800, % North Country Union High School District No. 22 $4,120, % North Hero Town $2,030, % North Troy Village $160, % Northfield Town $700, % Northfield Town School District $280, % Northfield Village $6,508, % Norwich Town $90, % NW Vermont Solid Waste Management District $785, % Orange County $125, % Orleans Village $1,096, % Otter Valley Union High School District No. 8 $1,740, % Patricia A. Hannaford Regional Tech Ctr. $1,400, % Peacham Fire District #1 $229, % Peacham Town School District $10, % Pittsfield Town $600, % Pittsford Town $1,359, % Pittsford Town School District $250, % Plainfield Town $564, % Poultney Village $1,890, % Pownal Town $1,804, % Pownal Town School District $20, % Proctor Town School District $1,350, % Putney Town $2,762, % Putney Town School District $1,475, % Randolph Town $2,940, % Randolph Town School District $1,140, % Reading Town School District $120, % Readsboro Town $344, % 065% Richford Town $1,218, % Richford Town School District $720, % Richmond Town $1,985, % Richmond Town School District $3,980, % Ripton Town $185, % Rivendell Interstate School District $1,895, % Rochester Town $680, % Rochester Town School District $650, % Rockingham Town $6,911, % Rockingham Town School District $13,399, % Royalton Town $280, % Royalton Town School District $3,100, % Rutland City $4,915, % Rutland City School District $3,730, % Rutland Town Fire District #5 $35, % Rutland Town School District $430, % Salisbury Town School District $320, % Shaftsbury Town School District $35, % Shelburne Town $7,275, % Shelburne Town School District $560, % Shoreham Town $293, % Shrewsbury Town $300, % South Burlington City $9,650, % South Burlington City School District $3,335, % South Burlington Fire District #1 $60, % South Hero Fire District #4 $595, % Spaulding Union School District $800, % 16
20 Vermont Muncipal Bond Bank Outstanding Borrowers as of 12/31/2012 Municipality 12/31/2012 Outstanding Loans Percent of Total Loan Portfolio Springfield Town $1,950, % Springfield Town School District $21,795, % St. Albans City $3,934, % St. Albans City School District $5,935, % St. Albans Town $410, % St. Albans Town School District $610, % St. Johnsbury Town $4,085, % St. Johnsbury Town School District $715, % Stannard Town $50, % Starksboro Town School District $825, % Stockbridge Town $110, % Stowe Fire District #3 $172, % Stowe Town $16,030, % Stowe Town School District $1,980, % Strafford Town $1,615, % Sutton Town School District $100, % Swanton Town School District $150, % Swanton Village $3,687, % Swanton Village (Revenue) $8,375, % Thetford Town $300, % Thetford Town School District $1,315, % Townshend Town $660, % Troy Town $34, % Tunbridge Town School District $220, % Underhill Independent School District $260, % Underhill Town $280, % Underhill Town School District $15, % Union School District #23 $150, % Union School District #32 $4,545, % Vergennes City $445, % Vergennes Union High School District #5 $3,340, % Vergennes Union School District #44 $75, % Walden Town School District $70, % Wallingford Fire District #1 $1,031, % Wardsboro Town $35, % Warren Town $195, % Washington County $120, % Waterbury Town $3,355, % Waterbury Village $4,140, % Waterbury-Duxbury Union School District #5 $4,990, % Waterville Town School District $200, % Weathersfield Town $70, % Weathersfield Town School District $4,340, % West Rutland Town $4,316, % West Rutland Town School District $220, % West Windsor Town School District $915, % Westford Town School District $65, % Westminster Fire District #3 $270, % Westminster Town School District $1,235, % Weybridge Town School District $180, % Whiting Town School District $75, % Whitingham Town School District $4,806, % Williamstown Town $20, % Williamstown Town School District $3,990, % Williston Town $6,425, % Williston Town School District $1,290, % Wilmington Town $305, % Wilmington Town School District $1,986, % 17
21 Vermont Muncipal Bond Bank Outstanding Borrowers as of 12/31/2012 Municipality 12/31/2012 Outstanding Loans Percent of Total Loan Portfolio Wilmington Water District $899, % Windham Town School District $20, % Windsor Town $2,750, % Windsor Town School District $945, % Winooski City $3,830, % Winooski School District $550, % Woodstock Town $980, % Woodstock Town School District $280, % Worcester Town School District $20, % $532,333, % Borrower Distribution Districts 143 Schools Municipalities County Population % vs. Loan Distribution % (1) 25.00% 20.00% 15.00% 10.00% Populaton % Loan Portfolio % 5.00% 0.00% (1) The City of Burlington does not use the VMBB for bond financing. 18
22 Vermont Municipal Bond Bank State Revolving Loan Fund The Bond Bank is responsible for the financial administration of the State Revolving Funds (SRF) along with the Agency of Natural Resources. The funds were established in 1990 for the purpose of fostering and promoting timely expenditures by municipalities and districts for water supply, pollution control, and solid waste management projects. Each project, funded through a loan, is declared to be an essential governmental activity when undertaken and implemented by a municipality. Loans issued through the SRF have ranged from a low of $1,500 to a high of $19,403,807. Loan Summary SRF-1 Pollution Control ARRA-1 Clean Water SRF-2 Pollution SRF-3 Drinking Water ARRA-3 Drinking SRF-WPL & WSP Total Year Control Water Local Assistance # Loans Amount # Loans Amount # Loans Amount # Loans Amount # Loans Amount # Loans Amount # Loans Amount $ 5,378,105 0 $0 0 $0 0 $0 0 $0 0 $0 1 $ 5,378, ,403, ,403, , , ,307, ,763, ,763, ,976, ,976, ,230, ,230, ,393, ,393, ,968, ,420, ,389, ,376, ,225, , ,651, ,048, ,149, , ,593, ,802, ,398, , ,506, ,311, ,866, , ,509, ,515, ,015, , ,872, ,406, ,250, , ,056, , ,501, , ,558, ,643, ,402, , ,389, ,719, ,620, , ,694, , ,719, , ,538, , ,581, , ,678, ,686, ,231, ,282, ,231, , ,992, ,809, ,424, ,317, ,822, , ,747, ,960, ,991, , ,497, Total 155 $ 171,880, $ 39,655,791 3 $ 696, $ 96,743, $ 15,053, $ 5,099, $ 329,129,590 SRF12/31/12 Fund Balances Loan Program SRF-1 Pollution Control ARRA-1 Clean Water SRF-2 Pollution Control SRF-3 Drinking Water 12/31/12 Fund Balance $20,836,716 $2,454,731 $496,832 $11,287,727 Loan Program ARRA-3 Drinking Water SRF-WPL & WSP Local Assistance SRF-4 Water & Wastewater Total All Funds 12/31/12 Fund Balance $5,466,506 $1,996,181 $200,000 $42,738,693 19
23 Vermont Municipal Bond Bank State Revolving Loan Fund $60,000,000.0 Total # SRF Loans Issued $50,000,000.0 $40,000,000.0 $30,000,000.0 $20,000,000.0 $10,000,000.0 $0.0 $60,000,000.0 Total Amount of SRF Loans Issued $50,000,000.0 $40,000,000.0 $30,000,000.0 $20,000,000.0 $10,000,000.0 $0.0 20
24 Special Environmental Revolving Fund as of December 31, 2012 Municipality ColuLoan Balance Albany Village 261, Alburgh Village 2,923, Ascutney FD #2 46, Bakersfield FD #1 109, Barnet SD 9, Barre City 650, Barre Town 439, Barton Village 77, Bellows Falls Village 8,688, Bennington Town 5,741, Benson SD 11, Berkshire SD 27, Berlin SD 25, Berlin Town 133, Bethel Town 776, Bloomfield Town 42, Blue Mountain SD 14, Bolton SD 20, Bradford Town 3,123, Bradford Village 348, Brandon FD 1 25, Brandon Town 89, Brattleboro SD 3, Brattleboro Town 22,968, Bridgewater Town 61, Brighton Town 1,577, Bristol Town 1,141, Brookline SD 17, Burlington City 17,876, Cabot Town 33, Page: 1
25 Special Environmental Revolving Fund as of December 31, 2012 Municipality ColuLoan Balance Cabot Village 672, Calais SD 8, Canaan FD #1 34, Canaan FD #2 50, Canaan Town 161, Castleton FD #1 3,257, Castleton Town 618, Cavendish Town 1,153, Charleston SD 9, Charlotte Town 150, Chelsea Town 387, Clarendon SD 12, Colchester FD #2 152, Colchester Town 1,295, Cold Brook FD #1 167, Cornwall SD 11, Cuttingsville FD # 1 134, Derby Town Danville FD #1 1,060, Derby Center Village 169, Dorset SD 18, Dover SD 21, Dover Town 61, Dummerston SD 34, East Dorset FD #1 315, East Haven Town 19, East Middlebury FD #1 317, East Montpelier SD 111, Eden SD 46, Elmore Town 74, Enosburg Falls Village 1,350, Essex Jct Village 4,172, Page: 2
26 Special Environmental Revolving Fund as of December 31, 2012 Municipality ColuLoan Balance Essex Town 906, Fair Haven Town 1,931, Fairfax FD #1 48, Fairfax Town 1,124, Fairlee Town 552, Flood Brook SD 15, Grand Isle CWD 2,349, Grand Isle FD #4 539, Graniteville FD #4 1,023, Granville SD 3, Greensboro Bend FD #2 23, Greensboro FD #1 214, Guilford Town 72, Halifax SD Hancock SD 13, Hardwick Town 85, Hartford Town 18,810, Hartland SD 205, Hartland Town 19, Harwood SD 265, Hinesburg Town 2,092, Holland SD 23, Hyde Park Village 10, Irasburg FD #1 752, Jamaica SD 25, Jay Town 1,215, Jericho FD #1 262, Jericho Underhill WD 145, Johnson Village 2,632, Killington SD 4, Killington Town 19, Page: 3
27 Special Environmental Revolving Fund as of December 31, 2012 Municipality ColuLoan Balance Lake Region SD 25, Leicester SD 4, Lowell SD 39, Ludlow Village 2,000, Lunenburg FD #2 6, Lyndon Town 589, Lyndonville Village 992, Marlboro SD 24, Marshfield Village 310, Middlebury Town 7,351, Middlesex SD 192, Middletown Springs SD 48, Milton FD #1 601, Milton Town 8,323, Monkton SD 43, Montpelier City 4,897, Moretown SD 39, Morristown Corners 151, Morristown Town 3, Morrisville Village 1,265, Mount Holly SD 29, Newark SD 33, Newbury Village 327, Newfane SD 29, Newport City 6,576, Newport Town 39, North Hero Town 691, Northfield Village 2,033, Norwich FD #1 177, Orleans Village 209, Orwell SD 26, Page: 4
28 Special Environmental Revolving Fund as of December 31, 2012 Municipality ColuLoan Balance Otter Valley SD 47, Pawlett Town 88, Peacham SD 26, Pittsford FD #1 16, Pittsford Town 82, Plainfield Town 309, Poultney Village 775, Proctor Town 3,739, Randolph Town 3,401, Readsboro Town 95, Richford Village 122, Richmond FD #1 204, Richmond Town 1,273, Ripton SD 14, Rivendell SD 25, Rochester Town 4, Rockingham SD 25, Roxbury SD 24, Royalton FD #1 430, Royalton Town 9, Rutland City 5,041, Rutland FD #1 85, Rutland FD #10 218, Rutland FD #11 85, Rutland FD #4 46, Rutland FD #6 174, Rutland FD #6&9 131, Rutland FD #8 45, Rutland Mendon FD #2 262, Rutland Town 181, Ryegate FD #2 113, Page: 5
29 Special Environmental Revolving Fund as of December 31, 2012 Municipality ColuLoan Balance Salisbury SD 20, Saxtons River Village Corp. 12, Shaftsbury Town 415, Sharon SD 131, Shelburne Town 6,506, Sheldon Town 2,341, Sherburne FD #1 843, Shrewsbury SD 29, South Alburg FD #2 588, South Burlington City 24,438, South Burlington FD #1 18, Springfield Town 8,159, St George FD #1 187, St George FD #2 155, St. Albans City 5,023, St. Johnsbury FD #1 439, St. Johnsbury Town 906, Stamford SD 13, Stockbridge SD 24, Stowe FD #2 143, Stowe FD #4 331, Stowe Town 16,167, Sunderland SD 17, Swanton Village 4,388, Thetford SD 108, Tinmouth SD 11, Townshend SD 27, Troy & Jay Town 184, Troy Town 1,313, Twinfield SD 19, Vergennes City 1,234, Page: 6
30 Special Environmental Revolving Fund as of December 31, 2012 Municipality ColuLoan Balance Vergennes Panton WD 2,991, Waitsfield SD 4, Waitsfield Town 751, Walden SD 21, Warren SD 15, Warren Town 551, Waterbury Village 2,194, Waterford SD 25, Waterville FD #1 305, Waterville SD 15, Wells SD 16, West Rutland Town 1,143, West Windsor Town 34, Westfield FD #1 405, Westminster SD 10, Weston Town 4, Westshire SD 8, Weybridge SD 4, Whitingham SD 83, Williamstown Town 864, Williston Town 832, Wilmington SD 97, Windham SD 33, Windsor Town 4,246, Winooski City 500, Woodstock Town 301, ,305, Page: 7
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