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HomeMy WebLinkAbout2025 Financial Statements CLAY COUNTY UTILITY AUTHORITY FINANCIAL STATEMENTS SEPTEMBER 30,2025 AND 2024 CLAY COUNTY UTILITY AUTHORITY FINANCIAL STATEMENTS SEPTEMBER 30,2025 AND 2024 TABLE OF CONTENTS Page Number(s) Independent Auditors' Report 1 — 3 Management's Discussion and Analysis 4— 8 Basic Financial Statements Statements of Net Position 9 Statements of Revenues,Expenses, and Changes in Net Position 10 Statements of Cash Flows 11 Notes to Financial Statements 12—21 Independent Auditors' Report on Internal Control Over Financial Reporting and on Compliance and Other Matters Based on an Audit of Financial Statements Performed in Accordance with Government Auditing Standards 22—23 Independent Auditors' Management Letter Required by Chapter 10.550, Rules of the State of Florida Office of the Auditor General 24—26 Independent Accountants' Examination Report 27 - i - Pfkgr JAMESMOORE INDEPENDENT AUDITORS' REPORT To the Board of Supervisors, Clay County Utility Authority: Report on the Audit of the Financial Statements Opinion We have audited the financial statements of the Clay County Utility Authority (the Authority), as of and for the years ended September 30, 2025 and 2024, and the related notes to the financial statements,which collectively comprise the Authority's basic financial statements as listed in the table of contents. In our opinion, the accompanying financial statements present fairly,in all material respects,the financial position of the Authority as of September 30, 2025 and 2024, and the changes in financial position and its cash flows for the years then ended in accordance with accounting principles generally accepted in the United States of America. Basis for Opinion We conducted our audits in accordance with auditing standards generally accepted in the United States of America (GAAS) and the standards applicable to financial audits contained in Government Auditing Standards (GAS), issued by the Comptroller General of the United States. Our responsibilities under those standards are further described in the Auditors' Responsibilities for the Audit of the Financial Statements section of our report. We are required to be independent of the Authority and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements relating to our audit. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion. Responsibilities of Management for the Financial Statements Management is responsible for the preparation and fair presentation of the financial statements in accordance with accounting principles generally accepted in the United States of America, and for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error. In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the Authority's ability to continue as a going concern for twelve months beyond the financial statement issuance date, including any currently known information that may raise substantial doubt shortly thereafter. - 1 - Auditors'Responsibilities for the Audit of the Financial Statements Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditors' report that includes our opinion. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in accordance with GAAS and GAS will always detect a material misstatement when it exists. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control. Misstatements are considered material if, individually or in the aggregate, they would influence the judgment made by a reasonable user based on the financial statements. In performing an audit in accordance with GAAS and GAS,we: o Exercise professional judgment and maintain professional skepticism throughout the audit. o Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures responsive to those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. o Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Authority's internal control. Accordingly, no such opinion is expressed. o Evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the overall presentation of the financial statements. o Conclude whether, in our judgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about the Authority's ability to continue as a going concern for a reasonable period of time. We are required to communicate with those charged with governance regarding, among other matters,the planned scope and timing of the audit, significant audit findings, and certain internal control—related matters that we identified during the audit. Required Supplementary Information Accounting principles generally accepted in the United States of America require that the management's discussion and analysis, as listed in the table contents, be presented to supplement the basic financial statements. Such information is the responsibility of management, and although not a part of the basic financial statements, is required by the Governmental Accounting Standards Board,who considers it to be an essential part of financial reporting for placing the basic financial statements in an appropriate operational, economic, or historical context. We have applied certain limited procedures to the required supplementary information in accordance with auditing standards generally accepted in the United States of America, which consisted of inquiries of management about the methods of preparing the information and comparing the information for consistency with management's responses to our inquiries, the basic financial statements, and other knowledge we obtained during our audit of the basic financial statements. We do not express an opinion or provide any assurance on the information because the limited procedures do not provide us with sufficient evidence to express an opinion or provide any assurance. -2 - Other Reporting Required by Government Auditing Standards In accordance with Government Auditing Standards, we have also issued our report dated December 15, 2025, on our consideration of the Authority's internal control over financial reporting and on our tests of its compliance with certain provisions of laws, regulations, contracts, and grant agreements and other matters. The purpose of that report is solely to describe the scope of our testing of internal control over financial reporting and compliance and the results of that testing, and not to provide an opinion on the effectiveness of the Authority's internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the Authority's internal control over financial reporting and compliance. c)9A4,4, UV I dA+( (e . / ?. . Daytona Beach,Florida December 15,2025 -3 - Clay County Utility Authority Management's Discussion and Analysis Managerial Philosophy and Strategic Objectives The senior management team of the Clay County Utility Authority(the Authority)offers interested parties additional insight, a strategic perspective and further analysis of key operational factors that may help the reader gain a deeper understanding of the financial statements for the year ended September 30,2025. The Authority is an Independent Special District in the State of Florida.The Florida Legislature created the Authority on October 1, 1994, by special act (F.S. 94-491) to manage the water, wastewater, and reclaimed water systems in the unincorporated areas of Clay County,Florida. The Authority also serves adjacent jurisdictions per specific inter- local governmental agreements. The Authority serves customers in Clay, Duval, and Bradford Counties and uses proprietary fund accounting to report the Authority's financial position. The Authority operates, to the extent possible as a publicly owned utility, using sound business practices of private enterprise. We accept the responsibility of providing our customers with the best long-term value at the lowest reasonable cost. We recognize the Authority provides essential services that are central to public health, safety, and general welfare as well as essential to the quality of life for the communities we serve. We understand our responsibilities as good stewards of our water,environmental,and financial resources.The communities we serve depend on environmentally and economically sustainable water supplies. The Authority completed work on the Consumptive Use Permit (CUP) renewal with the St. Johns River Water Management District(SJRWMD)in May 2025.The CUP regulates the water supply allocation used by the Authority to provide potable water services to our customers. We received a CUP with an initial five (5) year term and an addition fifteen (15) year term upon the execution of a Memorandum of Understanding (MOU) with agencies participating in a regional capital infrastructure project to address regional environmental and water resource restraints. The total term of twenty(20)years along with the 22.7 Million Gallons Per Day(MGD)remains consistent with the Integrated Water Resource Planning(IWRP). The Authority completed the construction of several key capital projects aimed at serving the area west and south of Green Cove Springs. The Authority accepted the Peters Creek Water Reclamation Facility and the Governors Park Facility in 2025.These two(2)facilities represent over$80 million dollar investment by the Authority.Both facilities are essential to providing water,wastewater, and reclaimed water services to the future homes and businesses in the Lake Asbury and Governors Park areas. The Authority continues to advance projects within the Lake Asbury Master Planning Area(LAMPA) Policy. This policy enables the Authority to pioneer specific large diameter trunk main projects to serve growth and development within the county's adopted LAMPA.The LAMPA Policy enables the Authority to invest roughly$30 million dollars in large diameter trunk main infrastructure,while also providing the cost recovery mechanism for said infrastructure. The first project within the LAMPA Policy began construction in 2024 and is now complete. The large diameter trunk main projects within Saratoga Springs are currently under construction. The Authority is nearly complete with the design and permitting of the final segment of the LAMPA policy project.We are currently anticipating completion of the final LAMPA policy project in the next twelve (12)to twenty-four(24)months. -4 - The Florida Department of Transportation completed the First Coast Expressway in 2025. Clay County completed bonded roadway projects such as Cathedral Oaks Parkway in Lake Asbury. The completion of these key roadway infrastructure projects along with the Authority's facilities and infrastructure mean the area is ready for a period of rapid customer account growth. The Authority's readiness for a period of rapid customer account growth is further supported by the Master Utility Agreements for both Saratoga Springs and Governors Park. With the completion of the Authority's system expansion of facilities and large trunk main infrastructure, the Authority began a shift in focus of the Capital Improvement Program(CIP)to renewal and replacement projects. The Authority initiated renewal and replacement of infrastructure projects related to some of the oldest facilities. The Authority began the construction to update or replace ground storage tanks, aerators, and high service pumps at the Meadowbrook Water Treatment Plant. The Authority also commenced the effort to replace the headworks and electrical controls at the Miller Street Water Reclamation Facility. The Authority bolstered the renewal and replacement of infrastructure efforts with the completion of an engineering condition assessment to support the prioritization of CIP projects. Financial Overview This discussion and analysis serve as an introduction to the Authority's basic financial statements. The information presented here should be read in conjunction with the financial statements and accompanying notes. The Authority's Board of Supervisors approved a 6.5% revenue increase from base and flow charges for potable water and reclaimed water services and a 7% increase for base and flow charges for wastewater services for Fiscal Year 2024/2025. The Authority kept the volume provided in each block consistent with previous fiscal years. The Authority realized revenue within 1.7%of the forecast. The Authority gained 1,143 active water accounts and 1,129 active sewer accounts, which was less than the 1,440 new accounts budgeted as growth in the county was lower than expected. - 5 - Condensed Statement of Net Position ($000) For the Year Ended September 30,2025 % % 2025 2024 Change 2023 Change Capital assets—net 566,836 517,510 9.5 411,537 25.8 Current assets 23,568 27,620 (14.7) 26,117 5.8 Investments,current 0 0 - 0 - Other non-current assets 32,931 11,609 183.7 8,708 33.3 Investments,non-current 21,007 57,562 (63.5) 101,036 (43.0) Deferred outflow of Resources 1,106 1,292 (14.4) 1,481 (12.8) Totals 645,448 615,593 4.8 548,879 12.2 Liabilities and fund equity Net position 455,428 407,236 11.8 369,224 10.3 Long-term liabilities,net 165,603 176,517 (6.2) 152,224 16.0 Current liabilities, including restricted 24,417 31,840 (23.3) 27,431 16.1 Totals 645,448 615,593 4.8 548,879 12.2 Capital Assets-Net Net Capital assets increased $49,327,000 during Fiscal Year 2024/2025. The increase is mainly attributed to $67,643,000 of various utility expansions and dispositions, offset by $18,727,000 of depreciation and amortization expense. Developers contributed$31,808,000 of those assets. For the year 2024,capital assets increased$105,973,000.The increase is mainly attributed to$121,980,000 of various utility expansions and dispositions, offset by $16,221,000 of depreciation and amortization expense. Developers contributed$23,559,000 of those assets. Current Assets The change in current assets is due to the decrease in cash. Cash from surplus funds was used to fund capital projects which caused operating cash to decrease during the year. Net Position The net position can serve as a useful indicator of our financial position, with an increase of$48,192,000. The net investment in capital assets, the largest portion of the Authority's net position, 89%, reflects the net investment in capital assets(e.g.,land,buildings, equipment, infrastructure, and intangible assets). These assets are used to provide services to customers; consequently, these assets are not available for future spending. The restricted portion of the net position,2.6%,is capacity charges that are subject to capital improvements. Developer and other contributions of $45,313,000 were received in Fiscal Year 2024/2025, approximately $13,505,000 of which was cash. The unrestricted portion, 9%, decreased 30% due to use of surplus funds to fund capital projects. Net income is an unrestricted reserve used for future capital funding. - 6 - Long-Term Debt-Net In Fiscal Year 2024/2025,the net long-term debt decreased$10,914,000 as a result of scheduled principal repayments of existing debt. Current Liabilities Current liabilities decreased$7,423,000, due to the timing of Accounts Payable invoices due at year-end. Condensed Statement of Revenues,Expenses,and Changes in Net Position($000) For the Year Ended September 30,2025 _ % % 2025 2024 Change 2023 Change Operating revenues 71,460 65,525 9.1 59,890 9.4 Operating expenses (64,175) (60,032) 6.9 (54,568) 10.0 Operating income 7,285 5,493 32.6 5,322 3.2 Non-operating(expenses),net (4,404) (2,877) 53.1 (1,209) 138.0 Contributions and grants 45,312 35,396 28.0 40,707 (13.0) Increase in Net Position 48,193 38,012 26.8 44,820 (15.2) Operating Revenues Operating revenue was within 1.7%of management projections.Operating revenue is 50%fixed through base charges and 50%is variable through usage charges. Consequently, climatic conditions such as rainfall and temperature will cause revenue fluctuations. Operating Expenses The increase of$4,143,000 in operating expenses in 2025 is largely due to$1,585,000 increase in wages and related benefits, and depreciation and amortization expense increased$2,506,000. The increase of$5,464,000 in operating expenses in 2024, was largely due to $2,323,000 increase in wages and related benefits and depreciation expense increased$2,403,000. Non-Operating Revenue and Expenses The increase of$1,792,000 in non-operating revenue and expenses is due to a decrease of$1,137,000 in interest income, an increase of$530,000 in interest expense, a $62,000 increase in gain on sale of assets and a $77,000 decrease in debt issuance costs. During Fiscal Year 2023/2024, increase of$1,668,000 in non-operating revenue and expenses is due to an increase of$940,000 in interest income, an increase of$2,625,000 in interest expense, a$47,000 decrease in gain on sale of assets and a$64,000 decrease in debt issuance costs. - 7 - Contributions in Aid of Construction Developers and others are required to contribute property (water, wastewater, and reclaimed water lines) in their developments and cash for their proportional share of existing water,wastewater, and reclaimed water plant capacity to connect to the Authority's systems. Contributed property was $23,559,000 in 2024, compared to $27,103,000 in 2023. Cash contributions totaled $11,837,000 in 2024, of which $591,000 was grant money compared to cash contributions of$13,609,000, of which $2,441,000 was grant money in 2023. Additionally, the Authority began deferring capacity charges for developers in 2016. Economic Factors and Next Year's Rate While the Authority's growth in new customer accounts remains consistent with long-term averages, Management remains confident the catalysts for a period of rapid customer growth remain. As previously discussed,the FDOT's First Coast Expressway and key Clay County bonded roadway projects are complete. The Authority's facilities to serve areas of customer account growth are operational and ready to serve. The Authority possesses Master Utility Agreements and Developer Agreements that account for thousands of new homes and many new businesses in Clay County. The Authority's Management considers current home pricing and interest rates a key factor in growth in Clay County. As new home inventories are built in advance of buyers, we look for home prices to decrease. We also consider potential downward movements in home mortgage interest rates a key element to spur new account growth. Should these factors move in the right direction,the Authority is ready to serve these homes and businesses. The Authority's Management engaged the professional experts with Raftelis to complete additional work on the Authority's rate structure. The Authority will complete this work in the upcoming fiscal year. The work with Raftelis will inform future rate considerations. Request for Information The Authority's staff designed this financial report to provide a general overview of the Authority's finances. Please address questions concerning with any of the information provided in this report or requests for additional financial information to Karen Osborne, CPA,MBA Chief Financial Officer, 3176 Old Jennings Road, Middleburg,Florida, 32068. - 8 - CLAY COUNTY UTILITY AUTHORITY STATEMENTS OF NET POSITION SEPTEMBER 30,2025 AND 2024 2025 2024 ASSETS Current assets Cash and cash equivalents $ 18,083,191 $ 20,801,246 Restricted cash and cash equivalents 5,161,762 9,879,785 Investments 21,006,624 36,824,170 Accounts receivable,net 6,510,643 6,809,951 Prepaid items and inventory 2,471,474 1,453,655 Total current assets 53,233,694 75,768,807 Non-current assets Restricted cash and cash equivalents 23,968,788 - Restricted investments - 20,737,853 Notes receivable 303,436 284,464 Utility plants 646,651,327 586,052,013 Construction in process 145,769,227 138,905,488 Right to use-subscription assets 6,778,764 6,778,764 Accumulated depreciation and amortization (232,363,962) (214,226,418) Total non-current assets 591,107,580 538,532,164 Total Assets $644,341,274 $614,300,971 DEFERRED OUTFLOWS OF RESOURCES Deferred loss on bond refunding $ 1,106,465 $ 1,292,002 LIABILITIES Current liabilities Accounts and retainage payable $ 2,254,610 $ 4,281,555 Accrued expenses 1,457,706 1,419,434 Customer deposits 4,627,897 4,508,903 Liabilities payable from current restricted assets: Accounts and retainage payable 2,786,405 11,388,781 Interest payable 2,375,357 2,364,291 Current portion of long-term debt 10,191,544 7,209,488 Current portion of subscription payables 722,239 667,785 Total current liabilities 24,415,758 31,840,237 Non-current liabilities Non-current portion of long-term debt 164,823,427 175,014,969 Non-current portion of subscription payables 780,069 1,502,308 Total non-current liabilities 165,603,496 176,517,277 Total Liabilities $ 190,019,254 $208,357,514 NET POSITION Net investment in capital assets $403,610,663 $343,756,371 Restricted for: Capital projects 7,217,311 3,061,092 Debt service 4,565,356 3,078,334 Unrestricted 40,035,155 57,339,662 Total Net Position $455,428,485 $407,235,459 The accompanying notes to financial statements are an integral part of these statements. -9- CLAY COUNTY UTILITY AUTHORITY STATEMENTS OF REVENUES,EXPENSES,AND CHANGES IN NET POSITION FOR THE YEARS ENDED SEPTEMBER 30, 2025 AND 2024 2025 2024 Operating revenues Charges for services $ 69,101,228 $ 63,429,906 Miscellaneous revenues 2,358,304 2,095,153 Total operating revenues 71,459,532 65,525,059 Operating expenses Wages and related benefits 22,251,531 20,666,140 Operating expenses 13,793,118 14,222,792 Subcontractors 6,291,278 6,063,265 Payment to other governments in lieu of taxes 3,112,467 2,859,139 Depreciation and amortization expense 18,726,908 16,220,865 Total operating expenses 64,175,302 60,032,201 Operating income 7,284,230 5,492,858 Nonoperating revenues(expenses) Interest income 1,468,728 2,605,742 Interest expense (5,982,849) (5,453,131) Gain(loss)on sale of assets 110,327 47,910 Debt issuance costs - (77,300) Total nonoperating revenues(expenses) (4,403,794) (2,876,779) Income(loss)before capital contributions 2,880,436 2,616,079 Capital contributions and grants Developer and other contributions 44,898,308 34,805,283 Capital grants 414,282 590,573 Total capital contributions 45,312,590 35,395,856 Change in net position 48,193,026 38,011,935 Net position,beginning of year 407,235,459 369,223,524 Net position,end of year $455,428,485 $407,235,459 The accompanying notes to financial statements are an integral part of these statements. - 10- CLAY COUNTY UTILITY AUTHORITY STATEMENTS OF CASH FLOWS FOR THE YEARS ENDED SEPTEMBER 30,2025 AND 2024 2025 2024 Cash flows from operating activities Receipts from customers $ 71,858,862 $ 63,553,171 Payments to suppliers (23,129,160) (19,481,893) Payment in lieu of taxes (3,112,467) (2,859,139) Payments to employees (22,213,259) (20,547,094) Net cash provided by(used in)operating activities 23,403,976 20,665,045 Cash flows from capital and related financing activities Proceeds from issuance of bonds and loans - 30,000,000 Debt issuance costs - (77,300) Principal paid on long-term debt and subscription payables (7,877,271) (4,889,285) Interest paid on long-term debt and subscription payables (5,786,246) (4,349,927) Payments to acquire and construct plant property (44,736,091) (96,944,617) Capital contributions 13,089,933 11,246,705 Capital grants 414,282 590,573 Net cash provided by(used in)capital and related financing activities (44,895,393) (64,423,851) Cash flows from investing activities Purchases of investments (21,006,624) (36,824,170) Sales of investments 57,562,023 80,608,700 Interest income 1,468,728 2,605,742 Net cash provided by(used in)investing activities 38,024,127 46,390,272 Net increase(decrease)in cash and cash equivalents 16,532,710 2,631,466 Cash and cash equivalents,beginning of year 30,681,031 28,049,565 Cash and cash equivalents,end of year $ 47,213,741 $ 30,681,031 Cash and cash equivalents classified as: Unrestricted $ 18,083,191 $ 20,801,246 Restricted 29,130,550 9,879,785 Total cash and cash equivalents $ 47,213,741 $ 30,681,031 Reconciliation of operating income to net cash provided by(used in)operating activities Cash flows from operating activities Operating income $ 7,284,230 $ 5,492,858 Adjustments to reconcile operating income to net cash provided by(used in)operating activities: Depreciation and amortization expense 18,726,908 16,220,865 Changes in assets and liabilities Decrease(Increase)in accounts and notes receivable 280,336 (1,973,561) Decrease(Increase)in prepaid items and inventory (1,017,819) (108,996) Increase(Decrease)in accounts and retainage payable (2,026,945) 913,160 Increase(Decrease)in accrued expenses 38,272 119,046 Increase(Decrease)in unearned revenue - (444,785) Increase(Decrease)in customer deposits 118,994 446,458 Total adjustments 16,119,746 15,172,187 Net cash provided by(used in)operating activities $ 23,403,976 $ 20,665,045 Supplemental schedule of noncash investing,capital,and financing activities Deferred loss on refunding amortization $ 185,537 $ 189,046 Utility plant property contributed by developers 31,808,375 23,558,578 The accompanying notes to financial statements are an integral part of these statements. -11- CLAY COUNTY UTILITY AUTHORITY NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30,2025 AND 2024 (1) Summary of Significant Accounting Policies: The accounting policies of the Clay County Utility Authority (the Authority) conform to generally accepted accounting principles applicable to governmental units. The following is a summary of significant policies. (a) Reporting entity The Authority is an independent special district established on October 1, 1994, pursuant to Chapter 94-491, Laws of Florida (1994), to provide Clay County, Florida and other territorial limits near the County with certain publicly owned water,wastewater and reclaimed water facilities. The governing body of the Authority consists of seven members acting as the Board of Supervisors. The Authority has adopted Governmental Accounting Standards Board (GASB) Codification and has determined that there are no component units that meet the criteria for inclusion in the Authority's financial statements. (b) Measurement focus, basis of accounting, and financial statement presentation—The accounts of the Authority are organized and reported as a proprietary fund type Enterprise Fund. The operations of this fund are accounted for with a set of self-balancing accounts that comprise its assets, liabilities, net assets, revenues and expenses. Enterprise Funds are used to account for operations that are financed and operated in a manner similar to private business enterprises where the intent of the governing body is that the costs (expenses, including depreciation) of providing goods or services to the general public on a continuing basis are financed or recovered primarily through user charges. The principal operating revenues of the Authority are charges for water, wastewater, and reclaimed water services, and operating expenses include the cost of sales and services, administrative expenses, and depreciation on capital assets. All revenues and expenses not meeting this definition are reported as non-operating revenues and expenses. Basis of accounting refers to when revenues and expenses are recognized in the accounts and reported in the financial statements. Basis of accounting relates to the timing of the measurements made, regardless of the measurement focus applied. The Authority uses the accrual basis of accounting in accordance with the GASB Codification. Revenues are recognized when earned and measurable, and expenses are recognized when incurred. (c) Cash and cash equivalents—Cash and cash equivalents consists of cash on hand, demand deposits, and short-term investments with original maturities of three months or less from the date of acquisition. (d) Investments—Investments with a maturity of less than one year when purchased, non- negotiable certificates of deposit, and other nonparticipating investments are stated at cost or amortized cost. Investments with a maturity greater than one year when purchased and all investments of the pension and OPEB trust funds are stated at fair value. Fair value is the price that would be received to sell an investment in an orderly transaction at year end. (e) Accounts receivable—The Authority's accounts receivable consists of amounts due from consumers. The Authority performs account evaluations on their consumers and requires collateral deposits. (f) Inventories and prepaid items—The cost of inventory is accounted for on the consumption basis wherein inventories are charged as expenditures when used, rather than when purchased. All inventories are valued at cost. Certain payments to vendors reflect costs applicable to future accounting periods and are recorded as prepaid items. - 12 - CLAY COUNTY UTILITY AUTHORITY NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30,2025 AND 2024 (1) Summary of Significant Accounting Policies: (Continued) (g) Restricted assets and net position—Certain assets are required to be segregated from other assets due to various bond indenture agreements and restricted revenue streams. These assets are legally restricted for specific purposes such as debt service, construction, and renewals and replacements. The remaining excess of restricted assets over liabilities is reflected as restricted net position. (h) Property and plant—Property and plant are recorded at cost less accumulated depreciation, except contributed assets which are recorded at acquisition value on the date of contribution. Expenditures of $5,000 or more are capitalized. Depreciation, on a straight-line basis, is charged over estimated useful lives as follows: Intangibles 15 years Buildings and Building Improvements 25 years Water,Wastewater,and Reclaimed Water Lines 40 years Equipment 7, 15,25 years (i) Subscription-Based Information Technology Arrangements—The Authority is a lessee for two subscription-based information technology arrangements (SBITA). The Authority recognizes a subscription liability and an intangible right-to-use asset (subscription asset) in the financial statements. The Authority recognizes subscription liabilities with an initial, individual value of $5,000 or more. At the commencement of a SBITA, the Authority initially measures the subscription liability at the present value of payments expected to be made during the SBITA term. Subsequently, the subscription liability is reduced by the principal portion of SBITA payments made. The subscription asset is initially measured as the initial amount of the subscription liability, adjusted for SBITA payments made at or before the arrangement commencement date, plus certain initial direct costs. Subsequently, the subscription asset is amortized on a straight-line basis over the term of the arrangement. Key estimates and judgments related to SBITA include how the Authority determines (1) the discount rate it uses to discount the expected SBITA payments to present value, (2) arrangement term, and(3)arrangement payments. The arrangement term includes the noncancellable period of the SBITA. SBITA payments included in the measurement of the subscription liability are comprised of fixed payments and any purchase option price that the Authority is reasonably certain to exercise. In determining the arrangement term, management considers all facts and circumstances that create an economic incentive to exercise an extension option, or not exercise a termination option. Extension options are only included in the arrangement term if the SBITA is reasonably certain to be extended. The Authority monitors changes in circumstances that would require a remeasurement of its SBITAs and will remeasure the subscription asset and liability if certain changes occur that are expected to significantly affect the amount of the subscription liability. Subscription assets are reported with other capital assets and subscription liabilities are reported with long-term debt on the statement of net position. (j) Bond discounts, premiums, and deferred amounts—Bond discounts, premiums, and deferred amounts, consisting of deferred outflows from loss on refunding of long-term debt, are deferred and amortized over the term of the bonds using the effective interest method. - 13 - CLAY COUNTY UTILITY AUTHORITY NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30,2025 AND 2024 (1) Summary of Significant Accounting Policies: (Continued) (k) Deferred outflows/inflows of resources—In addition to assets, the statements of net position will sometimes report a separate section for deferred outflows of resources. This separate financial statement element represents a consumption of net assets that applies to a future period(s) and so will not be recognized as an outflow of resources (expense/expenditure) until then. The Authority has only one item, deferred loss on bond refunding,which qualifies for reporting in this category. A deferred charge on refunding results from the difference in the carrying value of refunded debt and its reacquisition price. This amount is deferred and amortized over the shorter of the life of the refunded or refunding debt. In addition to liabilities, the statements of net position will sometimes report a separate section for deferred inflows of resources. This separate financial statement element represents an acquisition of net assets that applies to a future period and will not be recognized as an inflow of resources (revenue)until that time. The Authority had no deferred inflows at September 30,2025 and 2024. (1) Net position flow assumption—Sometimes the Authority will fund outlays for a particular purpose from both restricted and unrestricted resources. In order to determine amounts reported as restricted and unrestricted net position, it is the Authority's policy to consider restricted net position to have been used before unrestricted net position is applied. (m) Revenue recognition—Operating revenue consists primarily of charges for services, which are billed to customers for water, wastewater, and reclaimed water service. Billings are included in revenue as meters are read each month. Unbilled revenues are accrued based on estimated consumption of the most recent billing. (n) Capital contributions—Capital contributions represent contributions of certain water distribution and wastewater collection systems. Such contributions are recognized as increases in net position in the period they are received. (o) Use of estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amount of assets, deferred outflows, deferred inflows, liabilities, and changes therein, and disclosure of contingent assets and liabilities. Actual results could differ from those estimates. (2) Deposits and Investments: (a) Deposits and Investments—In addition to insurance provided by the Federal Depository Insurance Corporation, deposits are held in banking institutions approved by the State Treasurer of the State of Florida to hold public funds. Under Florida Statutes Chapter 280, Florida Security for Public Deposits Act, the State Treasurer requires all Florida qualified public depositories to deposit with the Treasurer or another banking institution eligible collateral. In the event of failure of a qualified public depository,the remaining public depositories would be responsible for covering any resulting losses. The Authority's deposits at year end are considered insured for custodial credit risk purposes. - 14- CLAY COUNTY UTILITY AUTHORITY NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30,2025 AND 2024 (2) Deposits and Investments: (Continued) At September 30,2025,the Authority's cash and investments consisted of the following: Credit Types of Cash and Investments Average Maturity Quality Amount Investments and restricted investments Certificates of deposit 3.24 years AA $ 8,867,736 US Treasury Notes 1.66 years AA+ 5,682,150 Money Market Funds N/A AAA 6,456,738 Cash on deposit 47,213,741 Total cash and investments (unrestricted and restricted) $ 68,220,365 At September 30,2024,the Authority's cash and investments consisted of the following: Credit Types of Cash and Investments Average Maturity Quality Amount Investments and restricted investments Certificates of deposit 3.56 years N/A $ 12,679,454 US Treasury Notes 1.42 years AA+ 12,616,726 Money Market Funds N/A AAA 32,265,843 Cash on deposit 30,681,031 Total cash and investments (unrestricted and restricted) $ 88,243,054 (b) Custodial credit risk—For an investment, custodial credit is the risk that, in the event of the failure of the counterparty, the Authority will not be able to recover the value of its investments or collateral securities that are in the possession of an outside party. In order to manage the custodial credit risk, the Authority's investment policy specifies certain requirements to pre-qualify financial institutions and brokers/dealers and an annual review of the institutions used. (c) Credit risk—Credit risk is the risk that an issuer or other counter party to an investment will not fulfill its obligations. The Authority does have a formal investment policy that limits its investments to high quality investments to control credit risk, which requires diversification of investments, limited investments in securities with higher credit risks, investing in securities with varying maturities, and continuously investing a portion of the portfolio in readily available funds such as local government investment pools or money market funds. (d) Interest rate risk—Interest rate risk is the risk that changes in interest rates will adversely affect the fair value of an investment. The Authority has no formal policy relating to a specific investment-related risk. In accordance with the provisions of the state statutes governing allowable investments, the Authority manages its exposure to declines in fair values by limiting the maturity of specific investments to provide sufficient liquidity to pay obligations as they come due. (e) Fair value of financial instruments— Generally accepted accounting principles require disclosure of an estimate of fair value of certain financial instruments. The Authority's financial instruments consist principally of cash and cash equivalents, certificates of deposit, grants and other receivables, and other short-term assets and liabilities. For these financial instruments, carrying values approximate fair value. The fair value of a financial instrument is the amount that would be received in an asset sale or paid to transfer a liability in an orderly transaction between unaffiliated market participants. Assets and liabilities measured at fair value are categorized based on whether the inputs are observable in the market and the degree that the inputs are observable. The categorization of financial instruments within the valuation hierarchy is based on the lowest level of input that is significant to the fair value measurement. - 15 - CLAY COUNTY UTILITY AUTHORITY NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30,2025 AND 2024 (2) Deposits and Investments: (Continued) The hierarchy is prioritized into three levels(with Level 3 being the lowest)defined as follows: Level 1: Quoted prices in active markets for identical assets or liabilities that the entity has the ability to access. Level 2: Observable inputs other than prices included in Level 1, such as quoted prices for similar assets and liabilities in active markets; quoted prices for identical or similar assets and liabilities in markets that are not active; or other inputs that are observable or can be corroborated with observable market data. Level 3: Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets and liabilities. This includes certain pricing models, discounted cash flow methodologies, and similar techniques that use significant unobservable inputs. The fair value of the Authority's investments of$21,006,624 consists of$5,682,150 of U.S. Government obligations, which are traded in active markets (Level 1), $8,867,736 of certificates of deposit, which are valued using observable market data, including market interest rates and yields for similar time deposits (Level 2) and $6,456,738 of money market funds, which are reported at amortized cost and are excluded from the fair value hierarchy. There have been no changes in Level 1, Level 2, and Level 3 and no changes in valuation techniques for these assets or liabilities for the year ended September 30,2025. (3) Accounts and Notes Receivable: Unbilled receivables represent amounts earned which have not yet been billed, along with other amounts which can be invoiced upon completion or attainment of contract objectives. Allowance for doubtful accounts is estimated by analysis of accounts receivable balance over 60 days, and historical collection trends. Accounts receivable at September 30,2025 and 2024, consist of the following: 2025 2024 Billed customer receivables $ 1,399,057 $ 1,905,544 Unbilled customer receivables 5,344,030 4,942,274 Notes receivable—current portion 39,157 37,146 Other receivables 71,643 241,899 Gross accounts receivable 6,853,887 7,126,863 Less:Allowance for uncollectibles (343,244) (316,912) Total accounts receivable,net $ 6,510,643 $ 6,809,951 As part of the notes receivable included above, many such agreements have a long-term portion based on extended payment schedules. The long-term balance of the notes receivables totaled $303,436 and $284,464 at September 30, 2025 and 2024, respectively. Based on an assessment of interest rates and repayment schedules, management does not believe any calculated discount to the gross receivable amount would be material, and no such provision has been made. - 16- CLAY COUNTY UTILITY AUTHORITY NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30,2025 AND 2024 (4) Capital Assets: Changes in the Authority's capital assets for the years ended September 30, 2025 and 2024, were as follows: Balance Balance October 1, September 30, 2024 Increases Decreases 2025 Capital assets not being depreciated: Land $ 5,268,724 $ 25,977 $ - $ 5,294,701 Construction in progress 138,905,488 69,560,437 (62,696,698) 145,769,227 Total capital assets not being depreciated 144,174,212 69,586,414 (62,696,698) 151,063,928 Capital assets being depreciated or amortized: Machinery and equipment 551,972,131 57,912,442 (613,628) 609,270,945 Buildings 21,113,728 3,274,523 - 24,388,251 Intangibles 7,697,430 - - 7,697,430 Subscription asset 6,778,764 - - 6,778,764 Less: accumulated depreciation and amortization (214,226,418) (18,726,908) 589,364 (232,363,962) Total capital assets being depreciated and amortized,net 373,335,635 42,460,058 (24,265) 415,771,428 Capital Assets,net $517,509,847 $112,046,472 $(62,720,963) $566,835,356 Balance Balance October 1, September 30, 2023 Increases Decreases 2024 Capital assets not being depreciated: Land $ 5,268,724 $ - $ - $ 5,268,724 Construction in progress 74,747,287 110,922,018 (46,763,817) 138,905,488 Total capital assets not being depreciated 80,016,011 110,922,018 (46,763,817) 144,174,212 Capital assets being depreciated: Machinery and equipment 510,633,696 41,583,424 (244,989) 551,972,131 Buildings 15,240,675 5,873,053 - 21,113,728 Intangibles 3,866,031 3,831,399 - 7,697,430 SBITAS - 6,778,764 - 6,778,764 Less: accumulated depreciation and amortization (198,219,850) (16,251,557) 244,989 (214,226,418) Total capital assets being depreciated and amortized,net 331,520,552 41,815,083 - 373,335,635 Capital Assets,net $411,536,563 $152,737,101 $(46,763,817) $517,509,847 Depreciation and amortization expense for 2025 and 2024 was $18,726,908 and $16,220,865, respectively. Of the total depreciation and amortization amount in the current year, $1,694,691 was related to amortization of the subscription asset that went into implementation as of September 30, 2024 with an original cost of$6,778,764. Additional depreciation amounts of$24,264 and$30,692 in 2025 and 2024, respectively, related to equipment used for construction in progress and was capitalized as part of the cost of construction in progress. Commitments on outstanding construction contracts for improvements and maintenance of the utility systems totaled $2,426,753 and $13,985,436 at September 30,2025 and 2024,respectively. - 17 - CLAY COUNTY UTILITY AUTHORITY NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30,2025 AND 2024 (5) Compensated Absences: The Authority implemented GASB Statement No. 101, Compensated Absences, in the current fiscal year. Paid time off(PTO) is earned on a bi-weekly basis (regular 80 hours worked) at established rates based upon years of service. Employees with one full year of service or more are required to take no less than forty consecutive hours of PTO each calendar year. In December of each year, employees are paid for any hours in excess of forty hours (one hundred and twenty at employee's request) in their PTO accrual account. Employees with less than six (6) months of service are not eligible for payment of unused PTO. Because PTO accruals exceeds limitations on compensated absence balances at calendar year-end, all balances are considered to be current, and no long-term portion has been calculated. As such, these amounts have not been included in the long-term debt activity summary. Outstanding compensated absences, included in accrued expenses on the statements of net position, totaled$880,270 and$852,136 at September 30,2025 and 2024,respectively. (6) Bonds and Notes Payable: Long-term debt at September 30, 2025 and 2024,is comprised of the following: 2025 2024 $42,210,677 Utility System Revenue and Refunding Note, Series 2015; with variable payment amounts due semi-annually and principal payments due from $ 28,348,379 $ 31,575,245 2016 through 2031.Interest is fixed at 2.82%. $48,495,000 Utility System Revenue and Refunding Note, Series 2019; with variable payment amounts due semi-annually and principal payments due from 32,050,000 35,295,000 2020 through 2039.Interest is fixed at 2.03%. $75,000,000 Utility System Revenue Bond, Series 2023, with interest due semi- annually beginning November 1, 2023 and principal payment due on May 1, 75,000,000 75,000,000 2026.Interest is fixed at 3.56%. $12,788,239 Clean Water State Revolving Fund loan with maximum$14,179,180 available balance; due in semi-annual installments of$399,298 through 2039 including interest at 0.94% until the payment amount is adjusted by 9,196,056 9,832,046 amendment. $1,735,142 Clean Water State Revolving Fund; due in semi-annual installments of $54,020 including interest ranging from 1.29% to 3.10%, beginning on 420,536 522,166 January 15,2017,through 2032. $30,000,000 Utility System Revenue Bond Series 2024; due in annual installments varying from$2,815,000 to$3,900,000 plus interest payable semi- annually at 4.15%through 2024. 30,000,000 30,000,000 Bonds and notes payable 175,014,971 182,224,457 Less: Current portion of bonds and notes payable (10,191,544) (7,209,488) Long-term bonds and notes payable,net $ 164,823,427 $ 175,014,969 - 18 - CLAY COUNTY UTILITY AUTHORITY NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30,2025 AND 2024 (6) Bonds and Notes Payable: (Continued) Activity in bonds and notes payable for the years ended September 30,2025 and 2024, is as follows: Beginning Ending Due Within Balance Additions Reductions Balance One Year 2025 $182,224,457 $ - $ (7,209,486) $175,014,971 $ 10,191,544 2024 $159,283,835 $ 30,000,000 $ (7,059,378) $182,224,457 $ 7,209,488 Debt service requirements to maturity are as follows at September 30,2025: For the year ended Total Debt September 30, Principal Interest Service 2026 $ 10,191,544 $ 5,408,307 $ 15,599,851 2027 85,477,204 2,452,067 87,929,271 2028 10,771,318 2,156,672 12,927,990 2029 11,079,424 1,852,032 12,931,456 2030 11,330,912 1,535,229 12,866,141 2031-2035 35,727,506 3,355,883 39,083,389 2036-2039 10,437,063 454,181 10,891,244 Total $ 175,014,971 $ 17,214,371 $ 192,229,342 Net revenues of the water,wastewater, and reclaimed water utility system are pledged as collateral for the revenue bonds and the Clean Water State Revolving Funds. (7) Subscription-Based Information Technology Arrangements: The Authority has entered into two subscription-based information technology arrangements as indicated in Note(4). Imputed interest rates on the arrangement are 4.15%. Future minimum SBITA payments for the Authority are as follows for the year ended September 30, 2025: For the year ended September 30, Principal Interest Total 2026 $ 722,239 $ 63,545 $ 785,784 2027 780,069 32,996 813,065 Total $ 1,502,308 $ 96,541 $ 1,598,849 - 19 - CLAY COUNTY UTILITY AUTHORITY NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30,2025 AND 2024 (8) Retirement Benefits: The Authority provides retirement benefits for all of its full-time employees through the Clay County Utility Authority Employees Plan (the Plan), which is a defined contribution plan administered by a financial institution. The Authority has the right to amend the Plan at any time, provided that no amendment or modification shall reduce the account balances of any participant. The Plan's benefits depend solely on amounts contributed plus investment income. The covered-employee payroll for employees covered by this plan for the years ended September 30, 2025 and 2024, was $16,345,500 and $15,627,936, respectively, and the total payroll was $16,490,756 and $15,698,615 for the same years, respectively. Participants are fully vested after 5 years of service; rollovers from other qualified plans are 100% vested. No employee contributions are allowed by the Plan. The Authority contributes an amount equal to 10% of the participant's compensation for the year to the Plan. The Authority contributed $1,626,842 and$1,553,902 for the years ended September 30, 2025 and 2024,respectively. (9) Deferred Compensation Plan: The Authority offers its employees a deferred compensation plan created in accordance with Internal Revenue Code Section 457 and administered by a financial institution. Participation is on a voluntary basis and contributions are made via payroll deduction. The plan permits deferral of compensation until future years. According to the plan, the deferred compensation is not available until termination, retirement, death, or an unforeseeable emergency. All plan assets are held in trust by the financial institution, and as such, no provision for plan assets or liabilities has been recorded on the Authority's financial statements. (10) Risk Management: The Authority is exposed to various risks of loss related to torts; theft of, damage to, and destruction of assets; errors and omissions; injuries to employees; and natural disasters for which the Authority purchases commercial insurance. During the year ended September 30,2025,the Authority did not reduce insurance coverage levels in place as of September 30, 2024. The Authority has no settled claims resulting from these risks that exceeded its commercial coverage in any of the past three fiscal years. (11) Other Post-Employment Benefits(OPEB): Retirees and their dependents are permitted to remain covered under the Authority's respective health care plans as long as they pay a full premium applicable to the coverage elected. This conforms to the minimum required of Florida governmental employers per Chapter 112.08 of Florida Statutes. According to the Authority's employee handbook,retirees are defined as"Any full time employee age sixty-five(65) or older with at least five(5)years of continuous eligible service at the time of his/her retirement." The Authority has previously engaged an actuary to calculate the outstanding liability for certain post- employment healthcare benefits provided by the Authority. Based on the Authority's policies, the OPEB liability was actuarially determined to be zero. There have been no changes to the Authority's policies or state statutes since that time which management believes would impact this determination as of September 30,2025.As such,no OPEB liability has been recorded. -20- CLAY COUNTY UTILITY AUTHORITY NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30,2025 AND 2024 (12) Commitments and Contingencies: In accordance with the Master Utility Services Agreement between the Authority and a developer, the Authority has granted connection fee credits which can be used by the developer or its assignee toward future connections in the specified development. As part of this agreement,the developer contributed land valued at $2,091,708 during the year ended September 30, 2016. In return, the developer received connection fee credits for future connections within the development equal to the agreed-upon value of the contributed land; however, should the developer cease plans to develop the land, no amounts will be due to the developer from the Authority,nor will the contributed property revert back to the developer.At September 30, 2025, no connections have been made in this development and total future connection fee credits available to the developer totaled$2,091,708. (13) Subsequent Events: The Authority has evaluated subsequent events for potential recognition and disclosure through December 15, 2025, which is the date the financial statements were complete in a form and format that complies with generally accepted accounting principles and approvals necessary for issuance had been obtained. No subsequent events requiring recognition or disclosure were identified, except as follows. On October 9, 2025, the Authority entered into a loan agreement for the Utility System Revenue and Refunding Bond Series 2025 for $110,535,000. The bond is due in annual installments varying from $100,000 to $6,644,000,plus interest payable semi-annually at 4.285%through 2055.No amounts related to this transaction are recognized in the accompanying financial statements for the fiscal year ended 2025 (14) New Accounting Pronouncements: The Governmental Accounting Standards Board ("GASB") has issued several pronouncements that have effective dates that may impact future financial statements. Listed below are pronouncements with required implementation dates effective for subsequent fiscal years that have not yet been implemented. Management has not currently determined what,if any, impact implementation of the following will have on the Authority's financial statements: GASB issued Statement No. 103, Financial Reporting Model Improvements, in April 2024. The objective of GASB 103 is to improve key components of the financial reporting model to enhance its effectiveness in providing information that is essential for decision making and assessing a government's accountability. The effective date for implementation is fiscal years beginning after June 15,2025, and all reporting periods thereafter. GASB issued Statement No. 104,Disclosure of Certain Capital Assets, in September 2024. GASB Statement No. 104 requires governments to disclose separate information about specific types of capital assets and establishes criteria for identifying and reporting capital assets held for sale. The objective of GASB 104 is to enhance transparency and improve the usefulness of financial statements for stakeholders by providing more detailed information on these assets. The provisions are effective for fiscal years beginning after June 15,2025. -21 - Prkgr 1 JAMESMOORE INDEPENDENT AUDITORS' REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING AND ON COMPLIANCE AND OTHER MATTERS BASED ON AN AUDIT OF FINANCIAL STATEMENTS PERFORMED IN ACCORDANCE WITH GOVERNMENT AUDITING STANDARDS To the Board of Supervisors, Clay County Utility Authority: We have audited, in accordance with auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in the Government Auditing Standards issued by the Comptroller General of the United States (Government Auditing Standards), the financial statements of the Clay County Utility Authority (the Authority) as of and for the year ended September 30, 2025, and the related notes to the financial statements, which collectively comprise the Authority's basic financial statements, and have issued our report thereon dated December 15,2025. Report on Internal Control Over Financial Reporting In planning and performing our audits of the financial statements, we considered the Authority's internal control over financial reporting (internal control) as a basis for designing audit procedures that are appropriate in the circumstances for the purpose of expressing our opinion on the financial statements,but not for the purpose of expressing an opinion on the effectiveness of the Authority's internal control. Accordingly,we do not express an opinion on the effectiveness of the Authority's internal control. A deficiency in internal control exists when the design or operation of a control does not allow management or employees in the normal course of performing their assigned functions, to prevent, or detect and correct misstatements on a timely basis. A material weakness is a deficiency, or a combination of deficiencies, in internal control, such that there is a reasonable possibility that a material misstatement of the Authority's financial statements will not be prevented, or detected and corrected on a timely basis. A significant deficiency is a deficiency, or a combination of deficiencies, in internal control that is less severe than a material weakness, yet important enough to merit attention by those charged with governance. Our consideration of internal control was for the limited purpose described in the first paragraph of this section and was not designed to identify all deficiencies in internal control that might be material weaknesses or significant deficiencies. Given these limitations, during our audit we did not identify any deficiencies in internal control that we consider to be material weaknesses. However,material weaknesses may exist that have not been identified. Report on Compliance and Other Matters As part of obtaining reasonable assurance about whether the Authority's financial statements are free of material misstatement, we performed tests of its compliance with certain provisions of laws, regulations, contracts, and grant agreements, noncompliance with which could have a direct and material effect on the financial statements. However, providing an opinion on compliance with those provisions was not an objective of our audits and, accordingly, we do not express such an opinion. The results of our tests disclosed no instances of noncompliance or other matters that are required to be reported under Government Auditing Standards. -22 - Purpose of This Report The purpose of this report is solely to describe the scope of our testing of internal control and compliance and the results of that testing, and not to provide an opinion on the effectiveness of the Authority's internal control or on compliance. This report is an integral part of an audit performed in accordance with Government Auditing Standards in considering the entity's internal control and compliance. Accordingly, this communication is not suitable for any other purpose. avAt' API( i . , ?.L . Daytona Beach,Florida December 15,2025 -23 - Prkgr 1 JAMESMOORE INDEPENDENT AUDITORS' MANAGEMENT LETTER REQUIRED BY CHAPTER 10.550,RULES OF THE STATE OF FLORIDA OFFICE OF THE AUDITOR GENERAL To the Board of Supervisors, Clay County Utility Authority: Report on the Financial Statements We have audited the basic financial statements of the Clay County Utility Authority(the Authority), as of and for the fiscal year ended September 30, 2025, and have issued our report thereon dated December 15, 2025. Auditors' Responsibility We conducted our audit in accordance with auditing standards generally accepted in the United States of America; the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States; and Chapter 10.550,Rules of the Auditor General. Other Reporting Requirements We have issued our Independent Auditors' Report on Internal Control over Financial Reporting and on Compliance and Other Matters Based on an Audit of the Financial Statements Performed in Accordance with Government Auditing Standards; and Independent Accountants' Report on an examination conducted in accordance with AICPA Professional Standards, AT-C Section 315, regarding compliance requirements in accordance with Chapter 10.550, Rules of the Auditor General. Disclosures in those reports and schedule, which are dated December 15, 2025, should be considered in conjunction with this management letter. Prior Audit Findings Section 10.554(1)(i)1.,Rules of the Auditor General,requires that we determine whether or not corrective actions have been taken to address findings and recommendations made in the preceding annual financial audit report. The Authority has no uncorrected prior audit findings that are required to be identified pursuant to the Rules of the Auditor General. Official Title and Legal Authority Section 10.554(1)(i)4., Rules of the Auditor General, requires that the name or official title and legal authority for the primary government and each component unit of the reporting entity be disclosed in this management letter, unless disclosed in the notes to the financial statements. The Clay County Utility Authority was established by special act by the Florida Legislature. There are no component units related to the Authority. -24- Financial Condition and Management Sections 10.554(1)(i)5.a. and 10.556(7), Rules of the Auditor General, require us to apply appropriate procedures and communicate the results of our determination as to whether or not the Authority has met one or more of the conditions described in Section 218.503(1), Florida Statutes, and to identify the specific condition(s) met. In connection with our audits, we determined that the Authority did not meet any of the conditions described in Section 218.503(1),Florida Statutes. Pursuant to Sections 10.554(1)(i)5.b. and 10.556(8), Rules of the Auditor General, we applied financial condition assessment procedures for the Authority. It is management's responsibility to monitor the Authority's financial condition, and our financial condition assessment was based in part on representations made by management and the review of financial information provided by same. Section 10.554(1)(i)2.,Rules of the Auditor General,requires that we communicate any recommendations to improve financial management. In connection with our audit,we had no such recommendations. Special District Component Units Section 10.554(1)(i)5.c., Rules of the Auditor General, requires, if appropriate, that we communicate the failure of a special district that is a component unit of a county, municipality, or special district, to provide the financial information necessary for proper reporting of the component unit within the audited financial statements of the county, municipality, or special district in accordance with Section 218.39(3)(b), Florida Statutes. In connection with our audit, we did not note any special district component units; therefore,we did not note any such component units that failed to provide the necessary information. Specific Special District Information—Clay County Utility Authority The following items have been provided to us to comply with state reporting requirements and have not been audited by us. We did not audit the following information within this section, nor were we required to perform any procedures to verify the accuracy or the completeness of the information provided by management.We do not express an opinion, a conclusion,nor provide any form of assurance on this data. As required by Section 218.39(3)(c), Florida Statutes, and Section 10.554(1)(i)6, Rules of the Auditor General,the Authority reported the following unaudited data: a) The total number of district employees compensated in the last pay period of the district's fiscal year: 191. b) The total number of independent contractors to whom nonemployee compensation was paid in the last month of the district's fiscal year: 25. c) All compensation earned by or awarded to employees, whether paid or accrued, regardless of contingency: $16,369,439. d) All compensation earned by or awarded to nonemployee independent contractors,whether paid or accrued,regardless of contingency: $473,898 e) Each construction project with a total cost of at least $65,000 approved by the district that is scheduled to begin on or after October 1 of the fiscal year being reported, together with the total expenditures for such project as: -25 - Project Expenditures 23017RR Clay County Interlocal- CR 315 Widening $ 78,120 24018RR Clay Co. CR 220 Baxley to Henley utility relocations 82,034 24019RR BCR Upgrades 241,825 24020RR Mid-Clay Reuse GST Repair(Inactive) 125,000 24021 WL Upsizing mains Bradley Creek to Russell Retreat(Inactive) 394,237 24022WL FDOT Blanding Blvd. &Wells Rd. intersection Utility Relocati 84,539 25001WL Saratoga Springs Trunk Mains (Freehold) 6,471,193 25003RR Insituform Task Order#41 (Inactive) 1,022,519 25006RR Task Order 42 Gravity Sewer Lining(Inactive) 262,452 25008WL Challenger Dr. WM Extension 95,482 25012RR Server Lifecycle Replacement 2,018,219 25014RR Lift Station Generators 326,858 25015RR Well Rehab 165,350 25016RR Plant Generator(PostmasterWTP 158,866 25017RR Manhole Rehabilitation 131,586 Total $ 11,658,280 f) A budget variance based on the budget adopted under Section 189.016(4),Florida Statutes,before the beginning of the fiscal year being reported if the district amends a final adopted budget under Section 189.016(6), Florida Statutes, as follows: there were no amendments between the original and final total district expenditure budget. Additional Matters Section 10.554(1)(i)3., Rules of the Auditor General, requires us to communicate noncompliance with provisions of contracts or grant agreements, or abuse, that have occurred, or are likely to have occurred, that have an effect on the financial statements that is less than material but which warrants the attention of those charged with governance. In connection with our audit,we did not note any such findings. Purpose of this Letter Our management letter is intended solely for the information and use of the Legislative Auditing Committee, members of the Florida Senate and the Florida House of Representatives,the Florida Auditor General, Federal and other granting agencies, and applicable management and the Board of Supervisors, and is not intended to be and should not be used by anyone other than these specified parties. laswt* MAW 4: (0 . ?.i._ . Daytona Beach,Florida December 15,2025 -26- Prkgr JAMESMOORE INDEPENDENT ACCOUNTANTS' REPORT To the Board of Supervisors, Clay County Utility Authority: We have examined the Clay County Utility Authority's (the Authority) compliance with Section 218.415, Florida Statutes, Local Government Investment Policies (the Statute), for the year ended September 30, 2025. The Authority's management is responsible for the Authority's compliance with those requirements. Our responsibility is to obtain reasonable assurance by evaluating against the aforementioned statutes and performing other procedures to obtain sufficient appropriate evidence to express an opinion that conveys the results of our evaluation based on our examination. Our examination was conducted in accordance with attestation standards for a direct examination engagement established by the AICPA. Those standards require that we obtain reasonable assurance by evaluating against the aforementioned statutes and performing other procedures to obtain sufficient appropriate evidence to express an opinion that conveys the results of our evaluation of Authority's compliance. The nature, timing, and extent of the procedures selected depend on our judgment, including an assessment of the risks that were not in accordance with those requirements in all material respects, whether due to fraud or error. We believe that the evidence we obtained is sufficient and appropriate to provide a reasonable basis for our opinion. We are required to be independent of the Authority and to meet our other ethical responsibilities, in accordance with relevant ethical requirements relating to our examination engagement. In our opinion, the Authority complied for the year ended September 30, 2025, with the aforementioned requirements in all material respects. Daytona Beach,Florida December 15,2025 -27 -