Will a 19-cent property tax decrease cause a long-term financial shortfall for the city of McMinnville? When committees met to review departmental budgets Tuesday night, they were warned that it will.According to the projected numbers by city administrator David Rutherford, the city will regress financially back into a cash-flow problem if it continues with plans to lower the tax rate.“As you are looking at these budgets, I need you to pay close attention to the three-year plan,” Rutherford said to the board. According to his projections, a 19-cent reduction in taxes will cause a slow reduction in the city’s fund balance over the next three years.According to Rutherford’s projections, the fund balance will be $4.3 million in 2012, $2.8 million in 2013, $1.7 million in 2014, and $411,330 in 2015.“If you look closely at the 2014-15 fiscal year ending balance, there will only be $411,330 to begin the next fiscal year,” said Rutherford.