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City of Northfield MN
File #: 25-610    Version: 1 Name:
Type: Information/Discussion Item Status: Consent Agenda
File created: 11/10/2025 In control: City Council
On agenda: 11/18/2025 Final action:
Title: 2025 Third Quarter Financial & Investment Updates
Attachments: 1. 1 - Q3 2025 FINANCIAL REPORT, 2. 2 - Q3 2025 INVESTMENT REPORT
Date Ver.Action ByActionResultAction DetailsMeeting DetailsVideo
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City Council Meeting Date: November 18, 2025

To: Mayor and City Council

From: Finance Director, Brenda Angelstad

Title
2025 Third Quarter Financial & Investment Updates

Body
Action Requested:
Discussion only.

Summary Report:
Attached are the Third Quarter 2025 Financial and Investment Updates. The Financial Update is prepared by Abdo and the Investment Update is prepared by PFM Asset Management.

Results are as expected. A few items of note.

* Taxes show as underbudget for the third quarter, this is typical as taxes are collected twice per year and the remaining amount is expected to be collected in the fourth quarter.
* Pool Operations, both revenue and expense are lower than budgeted. A leak in the pool occurred over winter and the season opening was delayed as the leak was fixed. This resulted in lower than expected revenue, but also lower than expected expenses as the pool was open/operating less days. Overall the net revenue/expense is very close to budget.
* Passport revenue is higher than budget, highlighting that the public is appreciating and utilizing this newly added service.
* Zoning code expenses budgeted in 2025 may roll into 2026. A consultant has been selected and will be seeking council approval in December. Subsequent work will begin at that time.
* Wastewater Fund balance is decreasing as expected as they continue to spend prior year bond proceeds on the upgrades to the facility. This is similar to Capital Project funds that may spend proceeds over a few years before completion.
* The Federal Reserve has cut the target range for the federal funds rate twice in 2025 to a three-year low of 3.75%-4.00% currently. This may result in lower investment earnings as yields move lower, but it also results in lower bond rates on recently issued debt.

Alternative Options:

Financial Impacts:
Included in background materials.

Tentative Timelines:
Reports will be submitted for first, second and third quarters, fourth quarter will be ...

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