## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## ## |||||||2022|||2021||| |---|---|---|---|---|---|---|---|---|---|---|---| ||||Unrestricted|||Restricted|TOTAL|Unrestricted|Restricted||TOTAL| |Income and Endowments|fmm:|Note||Funds
5||Funds
5|FUNDS
2|Funds
5|Funds
2||FUNDS
5| |DonsSOns and legades
Chsrhable
scSvNes
Olher eading acdvNes
Investments
Total||2(s)
2(b)
2(c)
2(d)||130,141
3,238
53.390
19854
215,623|'|10S,959
3,300
41,141
163~|248,100
8,547
04,531
19854
$89))$2|136,888
3,017
32,407
17749
190,081|172,084
2,759
29,439
204282||30S,972
5,776
61,848
17749
394~| |Expendltum
on:|||||||||||| |Rahlng funds
Chadhble
acSviSes
Total||$(e)
3(b)||9,404
222851
2$2,1$6||5,444
134906
140,MS|14,928
357557
372r485|8,681
202283
208,064|1,330
137895
1392I26||8,011
339978
$47,989| |Net Expenditure IIncome||||(16,612)||13,0SS|(3,453)|(18,90$)|65457||46~| |Net (losses) Igains on investments
(Unmagsed)||9(b)||(78,937)|||(76,937)|76.774|||78,774| |Net movement
In funds||||(93~)||13,059|(80450)|69,871|65,257||125,128| |Reconcglsgon
offunds:|||||||||||| |Tohl funds brought forward|||1431,877|||23,746|1,56S,62$|1398205|34290|1 WAS|| |Transfer offunds||17||8,048||(9,048)||75,801|(75,801)||| |Total funds carrhd forward|||1|7 76||27767|1 7 233|1631877|23745|1|62$| ## |||Note|2022|2021| |---|---|---|---|---| |FIXEDASSETS||||| |Tangible fixed assets
Investment
assets
TOTAL FIXEDASSETS||9(a)
9(b)|795,391
580,069
1375460|810,107
654,338
1464 445| |CURRENT ASSETS||||| |FaiArade at StAndreWs -stock
Debtors
Solar Panels - payment
ofdeposit
Cash at bank and in hand
TOTAL CURRENT ASSETS||10
11|10,300
17,879
1,549
100,491
130,219|9,600
13,482
112,528
135,610| |LIABILITIES:AMOUNTS
FALLING DUE WITHIN 1YEAR||||| |Accruals
&deferred
income
TOTAL CURRENT LIABILITIES||12|30,446
30,446|44,432
44,432| |NET CURRENT ASSETS|||99,773|91,178| |NET ASSETS|||1,475,233|1,555,623| |FUNDS||||| |Unrestricted
Restricted
TOTAL FUNDS||13
14|1,447,476
27,757
1,475,233|1,531,877
23,746
1,555,623| |Approved
by the Parochial Church Council||||| |and signed on its behalf by||||| |~ 0~|||Sf.
zi|| ## ||2022|2021| |---|---|---| ||6|6| |Reconciliation
ofnet incoming
/ (outgoing) resources||| |to net cash inflow from operating
activities||| |Net (Outgoing)
/ Incoming resources
Loss / (gain) on investmenis
Depreciation
ofassets
(Increase )/ Decrease in stock
(Increase) / Decrease
in debtors
Increase / (Decrease) in creditors
Net cash Inflow from operating
activities|(80,390)
76,937
24,682
(700)
(4,397)
13,986
2,146|125,128
(78,774)
22,997
2,311
(2,078)
2,532
72,116| |Investing
activities||| |Purchase offixed asst investments
Purchase oftangible
fixed assels
Deferred expenditure
on Solar Panels
Net investing
activities|(9,966)
1,549
(11,515)|(20,000)
(68,845)
0
(88,845)| |Management
of liquid resources||| |Dividends
received and reinvested|(2,668)|(2,512)| |(Decrease) in cash|(12,037)|(19,241)| |Net Funds at 1January 2022|112,528|131,769| |Net Funds at 31 December 2022|100,491|112,528| ## ## ## ## ## ## ## ## ## ## ## ## ## ## ||||||2022|||2021|| |---|---|---|---|---|---|---|---|---|---| |||||Unrestricted|Restdcted|TOTAL|Unrestrlcled|Restricted|TOTAL| |2|Income and Endowments||Note|Funds
8|Funds
5|FUNDS
6|Funds
6|Ftrllds
6|FUNDS
5| ||2(a)|Income from donations
and legacies|||||||| |||Planned
giving
Income tax recovered
Loose Plate
Christmas
coaemions
Sundry donations
Hall Trust Grant - Salaries and Expenses
Hall Trust Grant - Projects
Job Retention Scheme Grant (HMG)
Hall Trust Grant - Money Advice Service
Money Advice Service (Other funding)
Bedford Borough Council - grants
Friends ofStAndrsvrs
Total Income from donations
snd legacies||100,944
24.039
4,301
4,271
5,58e
139,141|3.223
90,313
2,964
5,064
7.233
162
108,959|100,$44
24,039
4,301
3223
4,271
$0,313
2,964
5,054
7,233
6,586
182
248,100|$0,228
22,933
3,328
3,401
1,000
15,998
136,888|1,959
713
93,895
61.021
3,028
5,532
3,691
85
2 162
172,084|90,228
22,933
3,328
1,959
4,114
93,895
62,021
3,026
5,532
3.691
18,083
2162
308,972| ||2(b)|. Income from charitable
activities|||||||| |||PCC Fees
Diocesan Fees
Total Income from charitable
activities||3,238
3,238|3.309
3,309|3,238
3309
8,547|3,017
3,017|2759
2,759|3,017
2.759
5,776| ||2(c)|Income from other trading activiiles|||||||| |||Church Centre tailings
Fundraising
Concerts at StAndrew' s
Fairlrade at StAndreWs
Magaiine
Rental Income (5St Minver)
Photocopying
and miscellaneous
Total Income from other trading activities|6(a)
5(a)|53,390
31,684
1,690
6,958
560
12,071
407|41,141
12.398
28.743|94,531
31,584
14,088
6,958
28,743
580
12,071
407|32,407
21.628
875
4,581
250
5,000
73|1,330
28,109
28,439|21.628
2,205
4,581
28,109
250
5,000
73
61,846| ||2(d)|Income from Investments|||||||| |||PCC Dividends
PCC Interest
KP Trust||6,149
1,161||6,149
1,161|5,566
54||5,566
54| |||Capital
Fund
Income Fund
Interest
Total Income from investments||9,816
2,656
72
19,854||$,816
2,566
72
19,854|9,557
2,569
3
17,749||9,557
2,569
3
17,749| ||TOTAL INCOME AND ENDOWMENTS|||215,623|153,409|369,032|190,061|204,282|394,343| ## ||||||2022|||2021|| |---|---|---|---|---|---|---|---|---|---| |||||Unrestricted|Restricted|TOTAL|Unrestricted|Resbfcted|TOTAL| |3|Expenditure||Note|Funds
8|Funds
6|FUNDS
8|Funds
8|Funds
E|FUNDS
6| ||3(s)|Expenditure
on raising funds|||||||| |||Advertising|||||||| |||Fund Raising
Concerfs elStAndrevrs
Total Fund.raising and pubgclty|5(0)|2,581
6,923
9,484|5,444
5,444|8,006
8023
14,928|2,249
4,432
8,681|1,330
-
1.330|3,579
4432
0,011| ||3(b)|Expenditure
on charitable sctlvldes|||||||| |||Diocesan|||||||| |||Parish Share
Diocesan Fees
Salaries and Expenses (exd Money Advice)
Fees
Ministry expenses
Upkeep ofsenrices
Church - Heat, light and insurance
Church - Minor repairs
Educafloll
Magazine
expenditure
Curate's house maintenance
Church Centre running costs|8(b)|131,510
1,895
5,800
6,892
7,901
2,230
1,212
783
14,731|3,309
83.175
7,138
420
870
162|131,610
3,309
83,175
7,138
1,896
8,220
8,892
8,831
2,230
1,212
783
14,893|123,152
1.013
5,085
8,242
3,284
1,585
250
2,126
13,085|2,759
03,016
3,905
98
300
320
1,464|123,152
2,759
03,016
3,005
1,109
5,385
8,242
3,804
1,585
250
2,126
14,549| |||Fsiruade alStAndrews
-purchases
Fairtrade at StAndrevrs
-expenses
Fairlrads st SlAndrsvrs - donations
Money Advice Service -sg expenditure
Charitabl
giving|14
14
14|15,400|22.783
1,329
200
12,297
3.223|22,783
1,329
200
12,297
18,623|13,300|23,030
1,503
120
9,223
1,950|23,030
1.503
120
9,223
15,259| |||Printing
and stationery
ITdevelopments
and support costs
Postage and sundries||5,491
3,546
518||5,491
3,646
618|4,079
3,806
299||4.079
3,800
299| |||Depredation
Total Expenditure
on charitable
acdvlties|9(s)|24682
222,651|134.906|24682
367,667|22 997
202,283|137,696|22907
339,970| ||TOTAL EXPENDITURE|||232,136|140,350|372,486|208,964|139,026|347,089| ## ## ## |There were related
party transactions
dwing the year and in 2021as delsaed|There were related
party transactions
dwing the year and in 2021as delsaed|There were related
party transactions
dwing the year and in 2021as delsaed|below.|||| |---|---|---|---|---|---|---| |Name
Gareth Burrows
Verger, payment
on invoices received|Basis of
payment
Fees|2022
Payment
made
6
6,242|Pension
Contrib.|Basis of
payment
Fees|2021
Payment
made
6
3.514|Pension
Contrlb.
6| |Isa Member ofStAndrew's
Church PCC||||||| |Kelly Agler Good
Centre Manager,
Employment
contract|Salary|8,760|394||28,016|1.171| |Isa Member ofStAndrew's
Church PCC||||||| |(to 1st May 2022)||||||| |Roseanne
Klnvlg-Love
Children's
Worker, temporary
Employmenl|Salary
contract|4,671||Salary||| |Isa Member ofStAndrew's
Church PCC||||||| |Elisabeth Sutcgffe
Children's
Worker, Employmenl
contract|Salary|12,630|688|Salary|10,667|480| |Her husband
is a Member ofStAndrew's|Church PCC|||||| ## |CHURCH CENTRE|||||2022|2021| |---|---|---|---|---|---|---| |8(a) Church Centre Lettings (Income)|||||6|8| |Rale 1: Commercial
users
Rate 2: Community
users
Rate 3: Church Members
Rate 4: Guides, Brownies
Other
Total Church Centre Lettings|&Charities
&Rainbows||||2,066
15,945
8,636
2,566
2471
31,684|4,940
10,699
4,766
451
772
21,628| |8(b) Church Centre Expenditure||||||| |Maintenance
Office
Utilities
Other
Total Church Centre Expenditure|||||7,698
1,550
4,817
828
14,893|8,515
1,400
4,264
370
14,549| |FIXEDASSETS||||||| |||Curate' s|Church|ONce|Fixtures 8|| |9(a) TANGIBLE FIXEDASSETS||House
8|Centre
8|Equipment
5|Fittings
6|Totalf| |COST||||||| |At 1 January 2022
Additions
At 31 December 2022||76,311
76,311|253,569
253,569|30,551
30,551|758,227
9,966
768,193|1,118,658
9,966
1,128,624| |DEPRECIATION||||||| |At 1 January 2022
Charge for the year
At 31December 2022|||(100,857)
(4,678)
(105,535)|(26,822)
(1,554)
(28,376)|(180,872)
(18,450)
(199,322)|(308,551)
(24,682)
(333,233)| |NET BOOK VALUE||||||| |At 1 January 2022
At 31 December 2022||76,311
76,311|152,712
148,034|3,729
2,175|577,355
568,871|810,107
795,391| |9(b) FIXEDASSET INVESTMENTS||PCC|PCC|PCC|KP Trust '|Total| |~VLUE||CBF
6|CBF
f|Total
6|Total
f|Total Fixed
8| |Market Value at 1January
Purchase ofinvestments|2022|199,089|21,481|220,570|433,768|654,338| |Dividends
reinvesled
Annual
Revaluation
Market Value at 31 December 2022||2,668
~23,
3
178,314|2,520
18,961|2,668
25,963
197,276|50974
382,794|2,668
76,937
580,069| |~SHA
~
DLO
G||||||| |At 1 January 2022
Purchase ofinveslmenls||8,512.89|14,755.48|23,268.37|60,719.44|83,987.81| |Dividends
reinvested
At 31 December 2022||123.87
8,636.76|14,755.48|123.87
23,392.24|60,71944|123.87
84,111.68| |See page 17foran analysis ofthe Fixed Asset Investments
ofthe||||KP Trust||| ## ## ## ||||||CBFFixed|| |---|---|---|---|---|---|---| ||||CBF|CBF|Interest|Total Fixed| ||||Investment|Property|Securities|Asset| ||||Fund|Fund|Fund|Investments| |VALUE|||6|6|6|6| |Market Value at 1January
2022
Annual
Revaluation
Market Value at 31December 2022|||367,691
43,091
324,600|58,820
6,901
51,919|7,257
982
6,275|433,768
60,974
382,794| |E~NRRE
LOIN||||||| |At 1January 2022
At 31December 2022|||15,722.23
15,722.23|40,404.04
40,404.04|4,593.17
4,593.17|60719A4
60,719A4| |DEBTORS|||||2022|2021| ||||||6|6| |DEBTORS||||||| |Gift Aid recoverable
Centre Bookings
HMRC
Hall Trust|||||10,950
4,526
1,492
749|8,093
4,782| |Other Debtors
Debtors|||||162
17,879|607
13,482| |PREPAYMENTS||||||| |Deposit for Solar Panels|||||1,549|| |TOTAL DEBTORS|||||19,428|13,482| |CASH AT BANK AND IN HAND|||||2022|2021| |PCC|||||6|6| |Cash|||||466|969| |CAF Bank currenl account
CBFdeposit account
NalWest - Fairlrade
at St Andrew' s
Fairlrade at St Andreu/s
-floats
KPTrust|||||7,605
81,497
7,330
230|3,008
98,872
5,631
230| |CBFincome account
TOTAL CASH AT BANK AND|IN HAND||||3,363
100,491|3,818
112,528| |Notes||||||| |CAF stands for Charities|Aid|Foundation||||| |CBFstands for Central Board of Finanoe||||||| |12|LIABILITIES: AMOUNTS
FALLING DUE WITHIN ONE YEAR|2022|2021| |---|---|---|---| ||DEFERRED INCOME|6|6| ||CASA - Quavers and advance tickets for concerts
Other deferred income
Bedford Borough Council
Hell Tnnl
Harpur Trust
Legacies
Rental Income
Receipts in advance|2,600
4,000
1,960
6$3|3,300
4,333
3,300
2,024
4,139
2.000
5,304| ||ACCRUALS||| ||Centre
Chsritable
giving
Church
Cogee and company
Corlcerls et StAndraufs|1,904
6.051
4,265|774
6,270
506
325| ||Edllcegon
Feirlrade at StAndrrmfs
HMRC
Ministry
Money Advice
Oflice
Other
Salaries and Fees
SlAlbens
Upkeep ofServices
Utilities
TOTAL ACCRUALS 8DEFERRED INCONIE|$54
200
154
1,094
1,112
90
1,407
674
508
3142
30,446|550
521
732
102
1,604
375
1,550
1,252
507
3,390
44.432| ||||||| |---|---|---|---|---|---| |UNRESTRICTED FUNDS||PCC|||| ||General|Curate' s|Church|KP Trust|Total| |||House|Confro||| ||E||E|E|E| |Balance al 1 January 2022
Increase IIdecrease) in funds in the year
Balanco at31December 2022|SSS,268
8204
836,974|76,311
76,311|IS2,712
4,670
148,034|437,680
51429
380,157|1,631,077
04401
1,447,470| |RESTRICTED FUNDS|||||| |||Feirtrade|Parrolt|Youth|| |||Fund|Fund|Fund|Total| |||6||E|6| |Balance al 1January 2022
Receipts
Paymenls
Balance al 31December 2022||10,267
28.743
24312
20,690|S,SS2
420
6,472|1,587
1,607|23,740
20,743
24 732
27,T67| |a|||||| ||less transfer of|El IK lo Unreslricled
Funds in 2021.|||| ##