COUNTY OF MIDDLESEX, NEW JERSEY
NOTES TO FINANCIAL STATEMENTS – STATUTORY BASIS
FOR THE YEARS ENDED DECEMBER 31, 2002 AND DECEMBER 31, 2001


1) FORM OF GOVERNMENT

The County of Middlesex is governed by a seven member Board of Chosen Freeholders who are elected for terms of three years. The Board operates under the commission form of government. Professional department heads in County government are appointed by the Board and are responsible to the chairperson and the committee charged with the specific operation. The County follows the Civil Service merit system of employment and the Freeholder Board abides by the regulations of the New Jersey Civil Service Commission.

2) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Reporting Entity

GASB Statement No. 14 established the GAAP criteria to be used to determine which component units should be included in the financial statements of the oversight entity. As set forth by the accounting principles and practices prescribed by the Division of Local Government Services, Department of Community Affairs, State of New Jersey, as noted below, the financial statements of the County of Middlesex are reported separately.

The financial statements of the County of Middlesex includes every board, body, officer or commission supported and maintained wholly or in part by funds appropriated by the County, as required by the provisions of N.J.S.A. 40A: 5-5. The financial statements, however, do not include the operations of Middlesex County Joint Health Insurance Fund, the County College, the Vocational Schools, the Board of Social Services, the Utilities Authority, the Mosquito Commission and the Improvement Authority which are subject to separate examination. Moreover, the assets, liabilities and reserves of the County’s constitutional offices and other various departments, including the Office of the County Clerk, Surrogate’s Office, Sheriff’s Office, Mental Health Clinics, Adult Correction Center and Office of the County Adjuster which result from the specific activity of the individual office or department and are subject to separate audit, are not combined with the financial statements of the County of Middlesex.

Description of Funds

The accounting policies of the County of Middlesex conform to the accounting principles and practices applicable to municipalities and counties which have been prescribed by the Division of Local Government Services, Department of Community Affairs, State of New Jersey. Such principles and practices are designed primarily for determining compliance with legal provisions and budgetary restrictions and as a means of reporting on the stewardship of public officials with respect to public funds. Under this method of accounting, the County of Middlesex accounts for its financial transactions through the following separate funds:

Current Fund
Represents resources and expenditures for governmental operations of a general nature, including Federal and State grant funds, except as otherwise noted.

Trust Fund
Represents receipts, custodianship and disbursement of funds in accordance with the purpose for which each reserve was created, pursuant to the provisions of N.J.S.A. 40A: 4-39.



2) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (cont’d)

Description of Funds (cont’d)

General Capital Fund
Represents resources, including Federal and State Grants in aid of construction, and expenditures for the acquisition of general capital facilities, other than those acquired through the Current Fund, including the status of bonds and notes authorized for said purposes.

Bond and Interest Fund
Accounts for status of funds transferred to separate accounts for the purpose of paying matured bonds and notes, together with interest thereon.

General Fixed Asset Account Group
Accounts for fixed assets used in governmental fund type operations for control purposes. All fixed assets are valued at historical cost or estimated historical cost if actual historical cost is not available or any other reasonable basis, provided such basis is adequately disclosed in the financial statements. Donated fixed assets are valued at their estimated fair value on the date of donation. No depreciation is recorded on general fixed assets.

The Governmental Accounting Standards Board (GASB) is the accepted standards-setting body for establishing government accounting and financial reporting principles. GASB’s Codification of Governmental Accounting and Financial Reporting Standards recognizes three fund categories and two account groups as appropriate for the accounting and reporting of the financial position and results of operations in accordance with generally accepted accounting principles. This structure of funds and account groups differs from the organization of funds prescribed under the regulatory basis of accounting utilized by the County. The resultant presentation of financial position and results of operations in the form of financial statements is not intended to present the general-purpose financial statements required by GAAP.

Basis of Accounting

The accounting principles and practices prescribed for municipalities and counties by the Division differ in certain respects from Generally Accepted Accounting Principles (GAAP) applicable to local government units. The more significant differences are as follows:

Revenues
Revenues are recorded as received in cash except for statutory reimbursements and grant funds, which are due from other governmental units. State and Federal grants, entitlements and shared revenues received for operating purposes are realized as revenues when anticipated in the County budget. Receivables for property taxes are recorded with offsetting reserves within the Current Fund. Other amounts that are due to the County which are susceptible to accrual are recorded as receivables with offsetting reserves. These reserves are liquidated and revenues are recorded as realized upon receipt of cash. GAAP requires the recognition of revenues for general operations in the accounting period in which they become available and measurable.

Expenditures
For purposes of financial reporting, expenditures are recorded as “paid or charged” or “appropriation reserves”. Paid or charged refers to the County “budgetary” basis of accounting. Generally, these expenditures are recorded when an amount is encumbered for goods or services in conjunction with the


2) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (cont’d)

Basis of Accounting (cont’d)

Expenditures (cont’d)

encumbrance accounting system. Reserves for unliquidated encumbrances at the close of the year are reported as a cash liability. Encumbrances do not constitute expenditures under GAAP. Appropriation reserves refers to unexpended appropriation balances at the close of the year. Appropriation reserves are automatically created and recorded as a cash liability, except for amounts, which may be canceled by the governing body. Appropriation reserves are available until lapsed at the close of the succeeding year, to meet specific claims, commitments or contracts incurred and not recorded in the preceding fiscal year. Lapsed appropriation reserves are recorded as income.

Generally, unexpended balances of budget appropriations are not recorded as expenditures under GAAP. For the purpose of calculating the results of Current Fund operations, the regulatory basis of accounting utilized by the County requires that certain expenditures be deferred, and raised as items of appropriation in budgets of succeeding years. These deferred charges include the two general categories of overexpenditures and emergency appropriations. Overexpenditures occur when expenditures recorded as “paid or charged” exceed available appropriation balances. Emergency appropriations occur when, subsequent to the adoption of a balanced budget, the governing body authorizes the establishment of additional appropriations based on unforeseen circumstances or for other special purposes as defined by statute.

Compensated Absences
The County records expenditures for earned, but unused vacation and sick leave in the accounting period that the payments are made to the employee pursuant to established personnel policy procedures. GAAP requires that expenditures be recorded in the governmental (Current) fund in the amount that would normally be liquidated with available financial resources, and that expenditures be recorded in the enterprise fund on a full accrual basis.

Inventories of Supplies
The cost of inventories of supplies for all funds is recorded as expenditures at the time individual items are purchased. The cost of inventories is included on the Current Fund balance sheet, for inventory that has been established and reported at year-end with an offsetting reserve. Although the expenditure method of accounting for purchases of supplies is in accordance with GAAP, the cost of inventory on hand at the close of the year should be reported on the balance sheet with an offsetting reserve for conformity with GAAP.

Lease Purchase Agreements
The County’s participation in lease purchase agreements are reflected by the annual appropriation of minimum lease payments within the County’s operating budgets. The terms of the lease, including total future minimum lease payments are disclosed in the Notes to Financial Statements. Capital lease amounts payable are recorded within the General Capital Fund. GAAP requires the value of the lease purchase agreement to be recorded in the general fixed asset account group and the recording of the non-current lease payments in the long-term debt account group.

Self Insurance Reserves
Charges to self-insurance reserves are recorded when payments of claims and related expenses are made. Increases to self-insurance reserves are recorded from budgetary appropriations in the accounting period in which budgetary expenditures are recorded. Earnings on investments and miscellaneous reimbursements are credited to reserves when received in cash. GAAP requires that liabilities for incurred claims are recorded as determined actuarially, and that operating transfers to self-insurance funds not exceed the amount determined.

2) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (cont’d)

Basis of Accounting (cont’d)

Interfunds
Interfund receivables in the Current Fund are recorded with offsetting reserves, which are created by charges to operations. Income is recognized in the year receivables are liquidated. GAAP does not require the establishment of an offsetting reserve. Interfund receivables in the other funds are not offset by reserves.

Fixed Assets
Property and equipment acquired by the Current and the General Capital Funds are recorded as expenditures at the time of purchase and are not capitalized in their own respective funds. Such assets are recorded at cost in the General Fixed Assets Group of Accounts. The values of County owned assets acquired prior to the implementation of the fixed asset accounting system were recorded at cost, estimated cost, estimated replacement value and assessed valuation for real property. Depreciation is not recorded an operating expense of the general government (Current Fund).

General Fixed Assets
Technical Accounting Directive No. 85-2, issued by the Division of Local Government Services, Department of Community Affairs, State of New Jersey, established a mandate for fixed asset accounting by municipalities and counties, effective December 31, 1985. Assets acquired through December 31, 1985 were valued based on actual costs, where available, and other methods, including current replacement value and estimated historical costs. Assets acquired subsequent to December 31, 1985 were valued based on actual costs. The initial inventory for assets acquired through December 31, 1985 utilized a $1,000 threshold. For all assets acquired subsequent to December 31, 1985, the threshold is $300. Improvements other than buildings, which consist of “infrastructure” fixed assets such as roads, bridges, curbs and gutters, streets, sidewalks, drainage systems, etc., are excluded from the general fixed account group. Depreciation is not recorded in the general fixed asset account group. Lease Purchase Agreements have been recorded for amounts authorized and reported and classified in General Fixed Assets under Lease Purchase Agreements (completed and in progress). The General Fixed Asset Account Group at December 31, 2001 and 2000 does not include Roosevelt Hospital, as the facility was transferred to the M.C.I.A., Note 18.

Disclosures about Fair Value of Financial Instruments
The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value:

Cash and cash equivalents and short-term investments: The carrying amount approximates fair value because of the short maturity of those instruments.

Long-term investments: The fair value of long-term investments are estimated based on quoted market prices for those or similar investments. Additional information pertinent to the value of these investments is provided in Note 7.

Long-term debt: The County’s long-term debt is stated at face value. The debt is not traded and it is not practicable to determine its fair value without incurring excessive cost. Additional information pertinent to the County’s long-term debt is provided in Notes 4 and 14.


2) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (cont’d)

Basis of Accounting (cont’d)

Recent Accounting Standards
In December 1998, the Government Accounting Standards Board (GASB) issued Statement No. 33, “Accounting and Financial Reporting for Nonexchange Transactions, effective for periods beginning after June 15, 2000. The Statement establishes standards for nonexchange transactions involving financial or capital resources that principally focus on the timing of recognition of nonexchange transactions.

In June 1999, GASB issued Statement No. 34, Basic Financial Statements and Managements Discussion and Analysis for State and Local Governments. The Statement establishes new financial reporting requirements for state and local governments throughout the United States. The provisions of this Statement are effective in phases depending upon the local units total annual revenues. Governments with total annual revenues of $100 million or more (Phase 1) are to apply the Statement for periods beginning after June 15, 2001.

GASB issued Statement 35 in November, 1999. The Statement establishes accounting and financial reporting standards for public colleges and universities within the financial reporting guidelines of GASB Statement 34.

GASB issued Statement 36 in April, 2000. The Standard amends certain provisions of Statement No. 33 with regards to the timing of revenue recognition between provider and recipient governments.

In June 2001, GASB issued Statement No. 37, Basic Financial Statement and Managements Discussion and Analysis for State and Local governments; Omnibus an amendment of GASB Statements No. 21 and No. 34. This Statement amends Statement 21 due to changes to the fiduciary fund structure required by Statement 34. In addition Statement No. 37 provides clarification and modifies other provisions with respect to Statement 34.

GASB issued Statement No. 38 Certain Financial Statement Note Disclosures in June, 2001. The Statement modifies certain financial statement disclosure requirements. This statement is generally effective when the provisions of Statement 34 are required to be implemented.

The County does not prepare its financial statements in accordance with generally accepted accounting principles. The adoption of these new standards will not adversely effect the reporting on the County’s financial condition.

Comparative Data
Comparative total data for the prior year has been presented in order to provide an understanding of changes in the County’s financial position and operations. However, comparative data has not been presented in each of the statements since their inclusion would make the statement unduly complex and difficult to read.

Prior Period Adjustments and Reclassifications
Certain reclassifications have been made to the 2001 financial statements to conform to classifications in 2002.


3) DEFERRED COMPENSATION TRUST FUND

The County of Middlesex has established a deferred compensation plan pursuant to Section 457 of the Internal Revenue Code and under the provisions of N.J.S.A. 43:15B-1. The plan includes the employees of Middlesex County, Middlesex County Board of Social Services, and the Middlesex County Mosquito Extermination Commission.

The plan is an arrangement whereby a public employer may establish a plan to permit its employees to voluntarily authorize a portion of their current salary to be withheld and invested in one or more of the types of investments permitted under the governing regulations. The County has engaged four private contractors to administer the plan. Contributions are recognized when received by the administrators, withdrawals and administrative fees when paid by the administrators, and earnings when the company with which the funds are invested notifies the administrators.

Statutory and regulatory requirements governing the establishment and operation of deferred compensation plans have been codified in the New Jersey Administrative Code as N.J.A.C. 5:37. The more significant of these provisions include no personal liability to the employer for negative return on investments, retention of assets by the employer, eligible investment types, and the requirement for an independent review of all program funds by a private contractor retained to administer the program.

Pursuant to revisions to the Federal Internal Revenue Code, the State has amended the deferred compensation plan enabling statute. During 1998, the County implemented the required amendments to the Deferred Compensation Plan for compliance with federal and state regulations.


4) DEBT, DEBT SERVICE AND STATUTORY DEBT CONDITIONS

Summary of County Debt

Year 2002 Year 2001 Year 2000
Issued:
General Bonds and Notes $288,003,000 $304,376,000 $223,709,000
Loans 6,446,808 6,038,689 3,244,264


Net Debt Issued 294,449,808 310,414,689 226,953,264

Authorized but not issued:
General Bonds and Notes 138,108,140 89,846,132 111,649,536

Bonds and Notes Issued and Authorized
but not Issued 432,557,948 400,260,821 338,602,800

Less Bonds issued and authorized but not
Issued – County College CH. 12 5,527,760 5,087,140 4,071,520

Net Bonds and Notes Issued and Authorized
but not issued $427,030,188 $395,173,681 $334,531,280


4) DEBT, DEBT SERVICE AND STATUTORY DEBT CONDITIONS (cont’d)

Bonds Issued - 2002
During 2002, the County issued $32,294,000 General Obligation Bonds, Series 2002 A & B, dated January 15, & June 15, 2002. The Bonds have principal maturities ranging from $175,000 due on January 15, 2003 through final maturity of $900,000 due on June 15, 2017. The interest rate ranges from annual rates of 3.00% through 4.75%. The Bonds were issued to finance General Improvements, County College, County Vocational Schools, and various open space capital improvements.


Bonds Issued - 2001
During 2001, the County issued $75,250,000 General Obligation Bonds, Series 2001 A & B, dated January 15, & June 15, 2001. The Bonds have principal maturities ranging from $85,000 due on January 15, 2002 through final maturity of $2,400,000 due on June 15, 2016. The interest rate ranges from annual rates of 4.00% through 6.20%. The Bonds were issued to finance General Improvements, County College, and County Vocational Schools.


Loans Issued - 2002
During 2002, the County participated in the Green Trust Loan Program administered by the State of New Jersey. The Green Trust Program Loan has been recorded within the General Capital Fund in the amount of $6,446,808.

Analysis of Balance – By Project – December 31, 2002:

Old Bridge Park Acquisition $3,244,264
Bank of China Property Acquisition 2,202,544
Sewaren Marine Park Development 1,000,000
$6,446,808

At the date of this report, the State has provided the County with loan amortization schedules for repayment of the Bank of China Property Acquisition Property loan and Sewaren Marin Park Development loan. The loan schedules commenced in 2002 and 2003, respectively with final maturities in 2021, and bear a 2% interest rate. The schedule for the remaining loan has not been provided.

Loans Issued - 2001
During 2001, the County participated in the Green Trust Loan Program administered by the State of New Jersey. The Green Trust Program Loan has been recorded within the General Capital Fund in the amount of $6,038,689. As of the date of this report, the State of New Jersey has not provided a loan amortization schedule to the County for the $3,244,264 loan issued in 2000.


Note 4 continued on excel (6 pages)


5) FUND BALANCE APPROPRIATED

Fund balance for the Current Fund at December 31, 2002 was reported in the amount of $19,314,047, of which $6,000,000 was appropriated and included as anticipated revenue for the year ending December 31, 2003.

Fund balance for the Current Fund at December 31, 2001 was reported in the amount of $17,544,931, of which $4,500,000 was appropriated and included as anticipated revenue for the year ending December 31, 2002.
.

6) INVENTORY – MATERIALS AND SUPPLIES

For the years ended 2002 and 2001, the County has reported Inventory on the balance sheet of the Current Fund. The Inventory is reported with an offsetting reserve. The amount reported is as follows:

2002 2001
Inventory (Current Fund)
Materials & Supplies $1,414,535 $1,304,355


7) CASH, CASH EQUIVALENTS AND INVESTMENTS

Deposits

New Jersey statutes permit the deposit of public funds in institutions located in New Jersey which are insured by the Federal Deposit Insurance Corporation (FDIC), or by any other agencies of the United States that insures deposits or the State of New Jersey Cash Management Fund.

New Jersey statutes require public depositories to maintain collateral for deposit of public funds that exceed insurance limits as follows:

The market value of the collateral must equal 5 percent of the average daily balance of public funds;
or
If the public funds deposited exceed 75 percent of the capital funds of the depositor, the depository must provide collateral having a market value equal to 100 percent of the amount exceeding 75 percent.

All collateral must be deposited with the Federal Reserve Bank, the Federal Home Loan Bank Board or a banking institution that is a member of the Federal Reserve System and has capital funds of not less than $25,000,000. The State of New Jersey Cash Management Fund is authorized by statute and regulation of the State Investment Council to invest in fixed income and debt securities, which mature within one year.

Collaterialization of Fund investments is generally not required. “Other Than State” participants contribute one tenth of one percent per year of the value of the aggregate units owned by them to establish a Reserve Fund, which is supplemented by the proportional interest of “Other Than State” participants in gains on investment transaction realized. The Reserve Fund is available to cover losses of “Other Than State” participants occasioned by the bankruptcy of an issuer of an investment held by the Fund and losses on sales of securities.


7) CASH, CASH EQUIVALENTS AND INVESTMENTS (cont’d)

Deposits (cont’d)

At December 31, 2002, the County’s recorded cash, cash equivalents and investments amounted to $157,477,143, and an amount of $160,810,883 was on deposit with the respective institutions, excluding Deferred Compensation Fund and Bond Interest Fund, of which cash, cash equivalent and investments are held by the respective Trustees.

At December 31, 2001, the County’s recorded cash, cash equivalents and investments amounted to $170,464,216, and an amount of $176,398,129 was on deposit with the respective institutions, excluding Deferred Compensation Fund and Bond Interest Fund, of which cash, cash equivalent and investments are held by the respective Trustees.

An Analysis of the County’s cash, cash equivalents and investments at December 31, 2002 and 2001, by Fund/Category (Type) is as follows:

By Fund:
2002 2001
Fund Amount Amount

Current $ 67,157,979 $56,055,982 Trust 47,699,363 38,518,677
General Capital 42,619,801 75,890,157

Total Cash, Cash Equivalents & Investments $157,477,143 $170,464,816

By Category (Type)
2002 2001
Cash & Cash Equivalents: Amount Amount

Change Fund $ 600 $ 600
Demand Accounts 10,184,206 5,393,976
Savings, Money Market / N.O.W. 14,967,026 15,837,276
State of NJ Cash Mgmt. Fund 132,306,363 149,214,016

Total Cash & Cash Equivalents 157,458,195 170,445,868

Investments:
Custodial Agreement - Forward Delivery Agreement 18,948 18,948

Total Cash, Cash Equivalents & Investments $157,477,143 $170,464,816

7) CASH, CASH EQUIVALENTS AND INVESTMENTS (cont’d)

Investments

New Jersey statutes establish the following securities as eligible for the investment of County funds:

1. Bonds or other obligations of the United States of America or obligations guaranteed by the United States;

2. Government money market mutual fund;

3. Any obligation that a federal agency or a federal instrumentality has issued in accordance with an act of Congress, which security has a maturity date not greater than 397 days from the date of purchase, provided such obligations bear a fixed rate of interest not dependent on any index or other external factor;

4. Bonds or other obligations of the local unit or bonds or other obligations of school districts of which the local unit is a part or within which the school district is located;

5. Bonds or other obligations, having a maturity date of not more than 397 days from the date of purchase, approved by the Division of Investment in the Department of the Treasury for investment by local units;

6. Local Government investment pools;

7. Deposits with the State of New Jersey Cash Management Fund established pursuant to section 1 of P.L. 1997, c. 281 (C.52:18A-90.4); or

8. Agreements for the repurchase of fully collateralized securities, if:

a. the underlying securities are permitted investments pursuant to paragraphs (1) and (3);

b. the custody of collateral is transferred to a third party;

c. the maturity of the agreement is not more than 30 days;

d. the underlying securities are purchased through a public depository as defined in section 1 of P.L. 1970, c. 235 (C.19:9-41) and for which a master repurchase agreement providing for the custody and security of collateral is executed.

All bank deposits and investments as of the balance sheet date, are classified as to credit risk by the three categories described below:

Category 1: Includes investments that are insured or registered or for which the securities are held by the County or its agent in the County’s name.
Category 2: Includes uninsured and unregistered investments for which the securities are held by the bank’s or dealer’s trust department or agent in the County’s name.
Category 3: Includes uninsured and unregistered investments for which the securities are held by the bank or dealer, or by its trust department or agent, but not in the County’s name. Investments in the New Jersey Cash Management Fund are included in this category.


7) CASH, CASH EQUIVALENTS AND INVESTMENTS (cont’d)

Investments (cont’d)

As of December 31, the County’s deposits and investments are summarized as follows:
2002 2001
Category Amount Amount
1 - - 2 - - 3 $160,810,883 $176,398,129
During the period ended December 31, 2002 and 2001, the County held investments in the State of New Jersey Cash Management Funds. Under the criteria established in Governmental Accounting Standards Board Statement No. 9, the year end balances in a New Jersey Cash Management Fund are considered to be cash equivalents under GAAP.

The investment recorded in the general-purpose financial statements have been recorded at the carrying amount The difference between the carrying amount and market value is not material to the general- purpose financial statements.

New Jersey Cash Management Fund – All investments in the Fund are governed by the regulations of the Investment Council, which prescribe specific standards designed to insure the quality of investments and to minimize the risks related to investments. In all the years of the Division of Investment’s existence, the Division has never suffered a default of principal or interest on any short-term security held by it due to the bankruptcy of a securities issuer; nevertheless, the possibility always exists, and for this reason a reserve is being accumulated as additional protection for the “Other-than-State” participants. In addition to the Council regulations, the Division sets further standards for specific investments and monitors the credit of all eligible securities issuers on a regular basis.

As of December 31, 2002 and 2001, the County had $132,306,363 and $149,214,016, respectively, recorded as investments on deposit with the New Jersey Cash Management Fund.

The County authorized participation in a Forward Treasury Purchase Agreement dated March 20, 1995. The Agreement requires the County to deposit funds with the Custodian in the designated Custodial Account. Accordingly, the County authorizes the Custodian to purchase qualified securities. On each respective payment date, the County shall be able to withdraw the related deposit amounts in the manner set forth in the Forward Delivery Agreement. The County receives revenue/interest up front upon execution of the Agreement. The investment in the Forward Treasury Purchase Agreement at December 31, 2002 and 2001 is recorded in the amount of $18,948. During 2000, the County has amended the Agreement for periods extending to February, 2004 and 2005.


8) ASSESSMENT AND COLLECTION OF PROPERTY TAXES

New Jersey statutes require that taxable valuation of real property be prepared by the local unit tax assessor as of October 1 in each year and filed with the County Board of Taxation by January 10th of the following year. Upon the filing of certified adopted budgets by the Local Units, Local School District, County and Special Districts, the tax rate is struck by the County Tax Board based on the certified amounts in each of the taxing districts for collection to fund the budgets. Pursuant to statute, this process is to be completed on or before May 3, with a completed duplicate of the tax rolls to be delivered to the local unit tax collector on or before May 13th. New Jersey statutes require that each local unit provide for sufficient anticipated cash receipts equal to the “lawful yearly expenditure” which includes the total amount of property taxes to be raised by the local unit that is due to the County.

9) PENSION AND RETIREMENT PLANS

Employees of the County of Middlesex are enrolled in one of the two cost sharing multiple-employer public employee retirement systems: the Public Employees Retirement System (PERS) or the Police and Firemen’s Retirement System (PFRS). The Division of Pensions in the Department of Treasury, State of New Jersey, administers the PERS and PFRS plans. The plans are funded annually based on the projected benefit method with aggregate level normal cost and frozen initial unfunded accrued liability. The plans, which cover public employees throughout the state, do not maintain separate records for each reporting unit and, accordingly, the actuarial data for the employees of the County who are members of the plans are not available. The contributions in 2002 and 2001 were $4,054,724 and $3,825,089 for PERS and $4,319,599 and $4,980,812 for PFRS, respectively, which includes contributions from the employees that are remitted on a quarterly basis.

10) ACCRUED SICK AND VACATION BENEFITS

The County of Middlesex has established uniform personnel policy procedures which set forth the terms under which an employee may accumulate unused benefits, as follows:

Sick Leave
Sick leave for permanent employees accumulates in accordance with the terms of approved contracts. Any amount of sick leave allowance not used in a calendar year accumulates to the employee’s credit to be used if and when needed. Upon normal retirement, employees are entitled to receive a lump sum payment as supplemental compensation for one-half of earned and unused accumulated sick leave to their credit on the effective date of retirement, up to a maximum of $15,000. In addition, the County offers a sick leave buyout option, on an annual basis, in the amount of one day’s pay for every three days credited and not used, to a maximum of five days paid, so long as the employee did not use more than five sick days in the current year.


10) ACCRUED SICK AND VACATION BENEFITS (con’t)

Vacations
Vacation pay for permanent employees also accumulates in accordance with the terms of approved contracts. Vacation days are to be taken in the year earned and do not accumulate, except that vacation time earned in the current year may be carried over to the next succeeding year only.

The County maintains current records of each employee’s status relating to earned and unused sick and vacation pay. At December 31, 2002 and 2001, the estimated cost of unused sick pay is calculated to be $8,331,460 and $8,512,221 respectively. At December 31, 2002 and 2001, the estimated cost of unused accrued vacation pay is calculated to be $3,967,305 and $3,256,338 respectively. Management indicates that this amount approximates the calculation as required by GASB No. 16, however, the methodology utilized does not fully meet the recognition and measurement criteria as set forth by the GASB. No estimate is provided for the approximate current cost of unused vacation pay based upon the policy restrictions on accumulations. As disclosed in Note 2, the County makes provision for the lump sum payment of benefits in each year’s operating budget, based on cost projections for employees nearing normal retirement eligibility. In order to partially fund these benefits, the County has established a trust fund entitled “Supplemental Compensation at Retirement,” and each year an annual appropriation is raised in the operating budget and transferred to the fund. In 2002, $25,000 was appropriated and 2001, $250,000 was appropriated and added to the fund and $175,576 was disbursed to employees during 2002 while $117,199 was disbursed to employees during 2001. The 2003 and 2002 budget appropriation equals $100,000 and $25,000 respectively.


11) LEASES

The County has purchased various office and other equipment which is being capitalized as installment purchases of fixed assets in accordance with Technical Accounting Directive No. 85-2.

The County has entered into lease commitments for the rental of various office space, storage space and parking facilities throughout the County of Middlesex.

The future annual operating lease payment due over the remaining terms of the leases for the next five succeeding years is as follows:
2002 2001
Year Amount Amount
2002 2,491,899
2003 2,580,371 2,591,143
2004 2,618,123 2,539,526
2005 2,583,201 2,546,598
2006 2,592,902 2,550,006
2007 2,600,299


12) RISK MANAGEMENT

In response to rising premiums for traditional commercial insurance coverage, the County maintains a self-insurance risk management program for all liability claims including, but not limited to, general, police professional, hospital professional, public officials, and automobile liability. A commercial excess liability policy is in place to cover catastrophic type claims, which would include any claim exceeding the policy’s $350,000 self- insurance retention. A self-insurance Liability Fund has been established to fund those claims below $350,000. The County of Middlesex together with the autonomous agencies; County College, Board of Social services, Improvement Authority, Mosquito Extermination Commission comprising the Middlesex County Insurance Commission. The Middlesex County Insurance Commission provides liability coverage to above named autonomous agencies through Self-Insurance Liability Fund and Excess Liability policy. The Middlesex County Insurance Commissioners retain the services of an actuary to establish the amount of cash reserves deemed necessary to pay claims.

The County also maintains a self-insured Worker’s Compensation Fund for all workers compensation claims with the exception of these claims which occurred during the period April 3, 1998 to June 2, 2000. Claims which occurred between April 3, 1998 and June 2, 2000 are covered in total by a commercial primary Workers Compensation Insurance policy. Claims occurring after June 2, 2000 are self-insured, however, a commercial excess Worker’s Compensation policy is in place, subject to a $250,000 Self-Insurance Retention, to cover a $250,000 Self-Insurance Retention, to cover these claims.

The financial statements do not reflect any charges for claims incurred but not reported and any reported incurred claims that remain unpaid at December 31, 2002 for the respective funds.

The Commissioners assessed the following participants for 2002 and 2001, as follows:
2002 2001
AGENCY TOTAL TOTAL

County College $131,536 $118,664 Board of Social Services 78,165 90,257
County Improvement Authority
(Excluding Tamarack) 54,448 50,588

$264,149 $259,509

The respective agency assessments have been computed by an actuarial analysis.

The estimated liability, as established by the third party administrator, for claims incurred and reported for the Self-Insurance Fund at December 31, 2002 and 2001 totaled $2,013,737 and $2,062,546, respectively. The County has appropriated funds in the 2003 and 2002 Budgets, in accordance with this funding plan.

The County has purchased commercial public entity excess liability insurance for general liability and automobile liability coverage in effect at December 31, 2002 and 2001, was as follows:

Limits of Insurance:
Each Accident or
Occurrence Limit $ 15,000,000
Policy Aggregate Limit 30,000,000
Self-Insured Limit Retention 350,000

12) RISK MANAGEMENT (cont’d)

During 2002 and 2001, the County maintained two individual excess healthcare/professional liability coverages, combined as follows:

Limit of Liability:
A. 100% of the loss in excess of all underlying Insurance not to exceed, subject to retention:
B. $5,000,000 per occurrence or:
C. $7,000,000 Annual Aggregate (as defined)

Retention Limits
per medical incident $ 250,000
annual aggregate 750,000


YEAR ENDED DECEMBER 31, 2002.
The estimated liability, as established by the third party administrator, for claims incurred and reported for the Worker’s Compensation Fund at December 31, 2002 is $4,195,541. This represents the run-off claims on file prior to the County purchase of commercial coverage policy for worker’s compensation claims prior to April, 1998 and after June 2, 2000. The County has purchased commercial coverage for worker’s compensation for the subsequent period: April 3, 1998 – June 2, 2000.

The County has opted to self insure worker’s compensation effective for the period commencing June 2, 2000. The above number includes claims incurred after June 2, 2000.

The County maintains a self-insurance fund for employment compensation insurance costs. The County remits to the State of New Jersey for costs incurred, on a quarterly basis, as determined and billed by the State.

The activity within each of the Self-Insurance Fund reserves, the Worker’s Compensation Fund reserves and Unemployment Compensation Fund reserves for the year ended December 31, 2002 were as follows:

Balance Increases to Decrease to Balance
12/31/01 Reserves Reserves 12/31/02

Self-Insurance Fund $8,669,744 $641,151 $1,665,327 $7,645,568

Worker’s Comp. Fund 4,108,397 824,490 1,889,613 3,043,274

Unemploy. Comp. Fund 440,206 141,336 155,756 425,816


12) RISK MANAGEMENT (cont’d)

YEAR ENDED DECEMBER 31, 2001.
The estimated liability, as established by the third party administrator, for claims incurred and reported for the Worker’s Compensation Fund at December 31, 2001 is $4,381,948. This represents the run-off claims on file prior to the County purchase of commercial coverage policy for worker’s compensation claims prior to April, 1998. The County has purchased commercial coverage for worker’s compensation for the subsequent period: April 3, 1998 – June 2, 2000.

The activity within each of the Self-Insurance Fund reserves, the Worker’s Compensation Fund reserves and Unemployment Compensation Fund reserves for the year ended December 31, 2001 were as follows:

Balance Increases to Decrease to Balance
12/31/00 Reserves Reserves 12/31/01

Self-Insurance Fund $8,603,771 $1,115,574 $1,049,601 $8,669,744

Worker’s Comp. Fund 4,680,705 2,263,110 2,835,418 4,108,397

Unemploy. Comp. Fund 665,983 157,645 383,422 440,206

Increases to Reserves represents amounts received from participant assessments, charges to the County Operating Budget, interest on investments and deposits, subrogation’s and third party reimbursements and refunds. Decreases to Reserves represent the payment on adjudicated or settled claims, asserted costs and administrative fees and charges.

The County of Middlesex participates in the Middlesex County Joint Health Insurance Fund (MCJHIF). The MCJHIF consists of eight (8) County agencies within Middlesex County, representing a total of 5,158 and 5,263 retirees, cobra participants and active employees as of December 31, 2002 and 2001 respectively. The MCJHIF’s purpose is to provide health care benefits to all eligible participants for medically necessary services covered under the health plan choices offered. The Fund is regulated by the State of New Jersey Department of Insurance as provided by statute and regulations and is subject to reporting requirements mandated by the State.

The assessments of the participating members are determined and certified by the actuary and approved by a majority vote of the Fund Commissioners.

The Commissioners of the MCJHIF have the authority, by majority vote, to levy on the participating local units an additional assessment to assure the payment of the Funds’ obligations.

Changes in the MCJHIF’s fund balance for each fund year at December 31, is as follows:

At December 31,
2002 2001
Fund/Surplus Fund/Surplus
Fund (Deficit) (Deficit)
Year Balance Balance

2002 $ 35,429
2001 (209,999) $ 176,906
2000 129,338

12) RISK MANAGEMENT (cont’d)


The Fund uses reinsurance agreements to reduce its exposure to large losses on certain types of insured events. Reinsurance may allow recovery of a portion of losses from reinsurers.

Accordingly, the financial statements of the County do not report or reflect its participatory share of fund claims, expenditures or fund (deficit) balance at December 31, 2002 and 2001.


13) POST RETIREMENT HEALTH CARE BENEFITS

The County provides health benefits through the Middlesex County Joint Health Insurance Fund to certain retirees and their dependents, as follows:

Retired employees pay the full cost of coverage under the Plan, in most cases. However, the former employer may assume that cost if the retired employee meets certain requirements. If the retired employee is paying the full cost of coverage, the monthly premiums will be billed to such retired employee on a monthly basis or as otherwise established by the Middlesex County Joint Health Insurance Fund. The Plan Sponsor has agreed to pay retiree coverage if:

1. the retiree receives retirement benefits from a State of New Jersey administered retirement system; and,
2. he or she has 25 or more years of service credited in that retirement system or was a participant in a State of New Jersey Early Retirement Incentive Program; or
3. he or she retired on an approved disability retirement (regardless of years of service) in that retirement system;
4. the employer has agreed to pay for coverage of a surviving spouse of a retiree who qualified under the provision listed above.

At December 31, 2002, approximately 614 retirees, representing the County and Roosevelt Care Center, were receiving non-contributory health coverage benefits at an estimated annual cost to the County of approximately $4,310,373.


At December 31, 2001, approximately 581 retirees, representing the County and Roosevelt Care Center, were receiving non-contributory health coverage benefits at an estimated annual cost to the County of approximately $3,125,400.


14) COUNTY-GUARANTEED CAPITAL EQUIPMENT LEASE REVENUE BONDS
AND OTHER ISSUES

2002
The Middlesex County Improvement Authority has outstanding various issues of County Guaranteed Equipment Lease Revenue Bonds and various other County-Guaranteed Bonds. These Bonds are serviced through rental payments of the governmental entities that participate in the equipment lease program. In addition to these bonds being secured by a lien on the pledged property, they are further secured by a full and unconditional guarantee of the County of Middlesex to pay, when due, the principal of, redemption premium, if any, and interest on the Bonds. Total outstanding Improvement Authority Equipment Lease Revenue Bonds and other County-Guaranteed Bonds, guaranteed by the County of Middlesex at December 31, 2002 amounted to $141,895,000, and are listed below:

Original Bonds
Issue Payable Amount Dec.31,2002
Capital Equipment Lease Revenue Bonds,
Series 1992 $ 7,070,000 $ 310,000
Series 1993 5,395,000 210,000
Series 1994 9,915,000 2,080,000
Series 1995 8,495,000 1,075,000
Series 1996 8,635,000 1,910,000
Series 1997 10,460,000 2,705,000
Series 1998 10,210,000 4,410,000
Series 1999 9,450,000 4,310,000
Series 2000 13,515,000 9,015,000
Series 2001 9,755,000 9,055,000
Series 2002 10,290,000 10,290,000

Tamarack Golf Course Project, Series 1996 7,500,000 6,195,000
Capital Improvement Revenue Bonds, Series 1996
(County Share) 5,965,000 4,290,000
Piscataway Golf Course Project, Series 1998 5,000,000 4,625,000
Open Space Trust Revenue Bonds, Series 1998 30,000,000 25,830,000
Open Space Trust Revenue Bonds, Series 1999 19,295,000 17,400,000
Middlesex County Educational Services Comm., Series 1994 9,000,000 545,000
Middlesex County Educational Services Comm., Series 1999 7,455,000 7,150,000
Capital Improvement Revenue Bonds, Series 1999 9,535,000 8,510,000
The Meadows at Middlesex Golf Course 6,500,000 6,165,000
Middlesex County Educational Services Comm., Series 2000 16,170,000 15,815,000

$141,895,000

14) COUNTY-GUARANTEED CAPITAL EQUIPMENT LEASE REVENUE BONDS
AND OTHER ISSUES (con’t)

2001
The Middlesex County Improvement Authority has outstanding various issues of County Guaranteed Equipment Lease Revenue Bonds and various other County-Guaranteed Bonds. These Bonds are serviced through rental payments of the governmental entities that participate in the equipment lease program. In addition to these bonds being secured by a lien on the pledged property, they are further secured by a full and unconditional guarantee of the County of Middlesex to pay, when due, the principal of, redemption premium, if any, and interest on the Bonds. Total outstanding Improvement Authority Equipment Lease Revenue Bonds and other County-Guaranteed Bonds, guaranteed by the County of Middlesex at December 31, 2001 amounted to $144,830,000, and are listed below:

Original Bonds
Issue Payable Amount Dec. 31, 2001
Capital Equipment Lease Revenue Bonds,
Series 1992 $ 7,070,000 $ 555,000
Series 1993 5,395,000 345,000
Series 1994 9,915,000 2,760,000
Series 1995 8,495,000 1,285,000
Series 1996 8,635,000 2,370,000
Series 1997 10,460,000 3,885,000
Series 1998 10,210,000 5,525,000
Series 1999 9,450,000 6,880,000
Series 2000 13,515,000 11,760,000
Series 2001 9,755,000 9,755,000

Tamarack Golf Course Project, Series 1996 7,500,000 6,520,000
Capital Improvement Revenue Bonds, Series 1996
(County Share) 5,965,000 4,655,000
Piscataway Golf Course Project, Series 1998 5,000,000 4,815,000
Open Space Trust Revenue Bonds, Series 1998 30,000,000 26,930,000
Open Space Trust Revenue Bonds, Series 1999 19,295,000 18,055,000
Middlesex County Educational Services Comm., Series 1999 7,455,000 7,195,000
Capital Improvement Revenue Bonds, Series 1999 9,535,000 9,035,000
The Meadows at Middlesex Golf Course 6,500,000 6,335,000
Middlesex County Educational Services Comm., Series 2000 16,170,000 16,170,000

$144,830,000


Note 15 continued on excel


16) LEASE AGREEMENTS RECEIVABLE

The County reports the following lease agreements within the General Capital Fund balance sheet as at December 31, 2002 and 2001:
2002 2001 Final
Amount Amount Payment Lessee Recorded Recorded Date

County of Somerset, NJ $ 4,154,349 $ 4,580,363 May 1, 2016
City of New Brunswick, NJ 13,068,069 13,068,069 May 1, 2029

$17,222,418 $17,648,432

The County has authorized and entered into a lease agreement receivable with the County of Somerset, New Jersey in conjunction with the construction of the youth detention center as part of a cost-share agreement.

The County has authorized and executed a lease agreement with the City of New Brunswick, New Jersey in connection with the Civic Square II Project.

17) LEASE AGREEMENT - TAMARACK GOLF COURSE

Pursuant to a Lease and Agreement, dated as of April 1, 1996 (the “Lease and Agreement”), between the Authority and the County, the Authority has acquired a leasehold interest in the Golf Course for a period of 19 years. The Lease and Agreement provides that the Authority shall be responsible for the operation and maintenance of the Golf Course and shall be entitled to all revenues and user fees related to the Golf Course. In addition, the Authority shall have the ability to make alterations, additions and improvements to the Golf Course (at its own expense). The Lease and Agreement provided that the Authority will pay the County any Net Profits after Reserves for capital improvements/investments on an annual basis. During 2002 and 2001, the Golf Course has realized net income in the amount of $25,000 and $25,000 respectively, which represents the amount due to the County.

18) HEALTH AND HOSPITALS

The County provides certain medical and health services to residents through the Raritan Bay Mental Health Center, several health clinics and the Roosevelt Care Center (the “Center”). Effective June 14, 1997, the Board of Chosen Freeholders transferred operation of, including the license to operate the Center, to the Middlesex County Improvement Authority (“MCIA”). On May 6, 1999, the Board of Chosen Freeholders adopted a resolution authorizing the transfer of ownership of the Center from the County to the MCIA. On November 15, 1999, the Board of Chosen Freeholders adopted a resolution affirming the sale of the Center to the MCIA. Agreements and contracts authorizing the transfer of the lands and buildings were executed on January 19, 2000 and title of the property was transferred to the MCIA.


18) HEALTH AND HOSPITALS (cont’d)

The Middlesex County Board of Chosen Freeholders, by way of Resolution 01-340, unanimously voted to proceed with the construction of a new 180-bed state-of-the-art long-term care County Facility to replace the outdated Roosevelt Care Center Annex that had 100 beds. In furtherance of Resolution 01-340, the Middlesex County Board of Chosen Freeholders unanimously adopted a $19 million bond ordinance number 331 providing for the construction of the new long-term care County Facility. The Board also adopted Resolution 01-1141, dated July 19, 2001, accepting the proposal of Gilbane to provide project/construction management services; and Resolution 01-1448, dated August 16, 2001, accepting the proposal of Nadaskay Kopelson Architects to provide professional architectural services. The design and construction of the new County Facility is proceeding and is expected to be completed on or about June 2004. The MCIA will operate the new County Facility.

Simultaneous with the construction of the new County Facility, the Board has determined that its 180-bed capacity would not be sufficient to meet the future long-term care needs of the County. To this end, the Board has determined to investigate the feasibility of renovating that portion of the existing Roosevelt Care Center that has been designated as “historic” that was built as part of the original facility. The proposed renovation if undertaken would include approximately 7,500 sq. ft. of new construction and provide for 165 residents. The Board adopted Resolution 02-1642 on September 16, 2002 accepting the proposal of Gilbane to undertake the feasibility study, which has been completed and submitted to the Board of Chosen Freeholders for consideration. Engineering and architectural fees have been appropriated. It is anticipated that the balance needed for construction will be included in the County’s 2004 capital budget.

19) COMMITMENTS AND CONTINGENCIES

As of the date of this report, the County had litigation pending. This litigation can be generally categorized as negligence claims, workmen’s compensation, condemnation cases and other miscellaneous cases. Management’s review of the litigation pending indicates that any judgments rendered against the County will not have a material adverse impact on the County’s financial position.

As more fully described in Note 12, the County of Middlesex is self-insured for general liability, police liability, medical malpractice liability, public officials’ liability and property damage to County vehicles and for Worker’s Compensation with the exception of claims which occurred between April 1, 1998 and June 2, 2000. The estimated reserve requirement for these claims is set forth in Note 12.

The County participates in a number of federal and state assisted programs that are subject to audit and adjustment by the respective grantors. The audits of these programs for or including the years ended December 31, 2002 and 2001 may have not been conducted or completed as of the date of this report. Grantor agencies reserve the right to conduct additional audits of the County’s grant program for economy, efficiencies and program results which may result in disallowed costs to the County. However, County management does not believe such audits would result in any material amounts of disallowed costs.

20) SUBSEQUENT EVENTS

- January 14 -

The County closed on a Bond Anticipation Note sale in the aggregate principal amount of $16,500,000 (“The Notes”). The Notes are dated January 14, 2003 and are due January 13, 2004 and renewed Bond Anticipation Notes maturing on January 15, 2003 in the amount of $16,500,000.

- March 6 -

A Bond Ordinance was adopted by the Board of Chosen Freeholders amending Bond Ordinance number 316 for an additional appropriation in the amount of $2,400,000 providing for the construction of a Vocational and Technical High School and a science and Technology Academy. The ordinance increases the authorization of issuance of $2,400,000 in bonds or notes of the County. This ordinance does not require a down payment.

A bond ordinance was adopted by the Board of Chosen Freeholders amending Bond Ordinance number 322 for an additional appropriation in the amount of $924,464 providing for the acquisition of land from the Township of Woodbridge and the improvement thereof for park purposes. The ordinance increased the appropriation for additional funds to be received from the New Jersey Department of Environmental Protection and therefore, does not authorize an increase in bonds or notes of the County.

- March 10 -

The County 2003 Operating Budget was adopted.

- April 3 -

Board of Chosen Freeholders adopted a Resolution setting the date of a public hearing on the prospective financing by the Middlesex County Improvement Authority relating to the acquisition of Open Space within the County in an amount not to exceed $80,000,000.

A Bond Ordinance appropriating $42,272,714 was adopted by the Board of Chosen relating to the 2003 Capital Projects of the County. The ordinance authorizes the issuance of $40,259,727 in bonds or notes of the County. The down payment of $2,012,987 has been provided for in the 2003 Operating Budget.

A Bond Ordinance appropriating $1,757,987 was adopted by the Board of Chosen Freeholders providing for the renovation of the original portion of the Roosevelt Care Center and authorizing the issuance of $1,674,273 in bonds or notes of the County. The down payment of $83,714 has been provided for in the 2003 Operating Budget.

A Bond Ordinance providing for Guide rail Safety Improvements to County Roads was adopted re-appropriating $1,000,000 from Bond Ordinance numbers: 279, 296, 318 and 339.

A Bond Ordinance amending Bond Ordinance 279 (adopted on April 19, 1990) was adopted by the Board of Chosen Freeholders. This amending ordinance amends the description of projects authorized to include new projects; re-appropriates money therein to new purposes and reallocates the authorization of bond or notes to such purposes.


A Bond Ordinance amending Bond Ordinance 296 (adopted on June, 20 1994) was adopted by the Board of Chosen Freeholders. This amending ordinance amends the description of projects authorized to include new projects; reappropriates money therein to new purposes and reallocates the authorization of bond or notes to such purposes.


- April 3 (con’t)-

A Bond Ordinance amending Bond Ordinance 324 (adopted on April 17, 2000) was adopted by the Board of Chosen Freeholders. This amending ordinance amends the description of projects authorized to include new projects; reappropriates money therein to new purposes and reallocates the authorization of bond or notes to such purposes.

A Bond Ordinance amending Bond Ordinance 339 (adopted on May 2, 2202) was adopted by the Board of Chosen Freeholders. This amending ordinance amends the description of projects authorized to include new projects; reappropriates money therein to new purposes and reallocates the authorization of bond or notes to such purposes.

- May 1 -

The Board of Chosen Freeholders adopted a Lease Ordinance to participate in the Capital Equipment Lease Revenue Bond Program of the MCIA and a Guarantee Ordinance in an amount not to exceed $16,000,000 to guarantee the Capital Equipment Lease Revenue Bonds of the MCIA.


- May 8 -

A Public Hearing was held on the use of Middlesex County Open Space Recreation and Farmland and Historical Preservation Trust Fund (“Trust Fund”) and to authorize bonds to be issued by the MCIA in the amount not to exceed $80,000,000 the proceeds of which will be used to acquire “Open Space” land within the County to be used for passive/active recreation, and preservation of farmland and historical facilities and authorized the use of the “Trust Fund” to pay debt service on such bonds.

- May 15 -

The Board of Chosen Freeholders adopted a resolution to authorize the sale of $43,534,000 Bond Anticipation Notes and adopted a resolution authorizing the form and sale of bonds in the aggregate principal amount of $23,257,000 general obligation bonds consisting of $14,252,000 general improvement bonds and $6,980,000 County College Bonds (County College Bond Act, 1971 N.J. laws C. 12) and $2,000,000 Vocational Technical School Bonds, which bonds are issued pursuant to various bond ordinances duly adopted by the County.

- June 25 -


The County Closed on a $23,237,000 General Obligation Bond sale. The General Obligation Bonds are dated June 15, 2003 and consist of $14,257,000 General Improvement Bonds and $6,980,000 County College Bonds (County College Bond Act, 1971 N.J. laws C. 12) and $2,000,000 Vocational Technical School Bond Bonds. The County also closed on a Bond Anticipation Note sale in the aggregate principal amount of $43,534,000 (“The Notes”). The Notes are dated June 25, 2003 and are due June 24, 2004 and renewed a portion of Bond Anticipation Notes dated June 27, 2002 and maturing on June 26, 2003 in the amount of $24,750,000 and temporarily financed $18,784,000 in additional capital improvements.

The Middlesex County Improvement Authority closed on its County-Guaranteed Capital Equipment Lease Revenue Bonds, Series 2003 which bonds were guaranteed by the County in the aggregate principal amount of $14,740,000.