Registered Charity Number: 1144283
THE JAMES ALFRED AND EMMA CLARA HALL
FUND
FINANCIAL STATEMENTS
31 DECEMBER 2024

THE JAMES ALFRED AND EMMA CLARA HALL FUND
FINANCIAL STATEMENTS
YEAR ENDED 31 DECEMBER 2024
CONTENTS
PAGE
Details of trustees and advisers
Trustees, annual report
Independent Examiners, report
Statement of financial activities
Balance sheet
Notes to the financial statements
8-14

THE JAMES ALFRED AND EMMA CLARA HALL FUND
DETAILS OF TRUSTEES AND ADVISERS
Managing trustees:
The Revd L F Davis
Vicar of St Andrew's Church
Msmswa
Churchwarden of St ArKlreWs Churth
Mrs C J Callen
Mr l Riches
Churchwarden of St Andrew's Church
Custodian trustee:
The St Albans. Diocesan Board of Finance
Officers
Mr R C Levene, Treasurer
Mrs P H Wilkie, Secretary
Mr A Colley. Advisor
Principal address
St Andrew's Church
Kimbolton Road
Bedford
MK40 2NQ
Independent Examiners
Victoria Moore FCCA
MDG Business Associates Limited
Chartered Accountants & Registered Auditors
Roorn 73, Wrest House
Wrest Park
Silsoe
Bedford
MK45 4HR
Bankers
The Central Board of Finance of The Church of England
85 Queen Victoria Street
London
EC4V 4Er

THE JAMES ALFRED AND EMMA CLARA HALL FUND
TRUSTEES ANNUAL REPORT
YEAR ENDED 31 DECEMBER 2024
The trustees present their report and the financial statements of the charity for the year
ended 31 December 2024. which have been prepared in accordan￿ with the Trust
Deed. The trustees have adopted the provisions of Accounting and Reporting by
Charities.. Statement of Recommended Practice applicable to charities preparing their
accounts in a￿ordanCe with the Financial Reporting Standard applicable in the UK and
Republic of Ireland (FRS 102) (effective 1 January 2019).
LEGAL AND ADMINISTRATIVE INFORMATION
The Trust was created by the will of the late James Hall who died in September 1962.
By the terms of the Trust Deed, income accumulated for 21 years until 1983. Upon the
death in August 1997 of James Hall's daughter, Miss Edith Winifred Hall, the
accumulated capital was transferred to the James Alfred and Emma Clara Hall Fund.
The income is now available to fund the charitable objects of the TrusL
The charity exists in order to apply its income for the following, as the trustees in their
absolute discretion think fit:_
extensions to St Andrews Church, Bedford and for maintaining the fabric of the
building.
maintaining the Garden of Rest"
3. the relief of povety of the elderly in the Parish or of those connected with the
Church,
and
4. the general religious purposes of St Andrew's Churth.
We confirm that we have referred to the guidan￿ given in the Charty Commission's
general guidance on public benefit and give full regard to the public benefit when
reviewing, planning and implementing our objectives and aims.
I trustees are appointed ex officio. The capital is held on behalf of St Andrevls
Church by St Alban's Diocese as custodian trustee.

THE JAMES ALFRED AND EMMA CLARA HALL FUND
TRUSTEES ANNUAL REPORT
YEAR ENDED 31 DECEMBER 2024
ACTIVITIES AND ACHIEVEMENTS
At the year end the accumulated capital forming the Endowment Fund amounted to
£4.94 million (2023 - £4.81 million).
Grants were awarded to St Andrew's Church Parochial Church Council amounting to
£117,297 (2023 £113,098) with total expenditure for the year of £122,215 (2023
£108,163). This was in order to support the parish workers and various repairs and
replacements to the church complex.
INVESTMENT POLICY
It is the policy of the trustees to invest the assets of the charty in the CBF Church of
England Funds. The assets are spread across the deposit, the fixed interest securities.
the share-based investment and the property funds offered by the CBF Church of
England Funds. These fvnds are specifically designed for such holdings.
GRANT MAKING POLICY
As determined by the Trust Deed, the trustees award grants only to the parish and
parishioners of St Andrew's Church, Bedford.
RESERVES POLICY
The trustees consider that the resenies are adequate to meet the needs of the charity as
they provide the core commitment for the coming year, which commitments are under
review. As the charity is a grant making organisation it is able to adjust its expenditure to
keep within its income from time to time. The charity relies on the continuing voluntary
commitment of the trustees and offI￿rS.

THE JAMES ALFRED AND EMMA CLARA HALL FUND
TRUSTEES ANNUAL REPORT(¢onVnued)
YEAR ENDED 31 DECEMBER 2024
THE TRUSTEES
The trustees who served the charty during the year were as follows:
Revd L F Davis
Mrs C J Callen
Mrs C G Wood- resigned 21 April 2024
Mr l Riches
Ms M Swales - appointed 21 April 2024
TRUSTEES. RESPONSIBILITIES
The Charities Act requires the trustees to prepare financial statements for each
financial year which give a true and fair view of the stste of affairs of the charity at
the end of the year and of the incoming and outgoing resources for the year then
ended.
In preparing those financial statements, the trustees are required to select suitable
accounting policies and then apply them consistentty. making judgements and
estimates that are reasonable and prudent. The trustees must also prepare the
financial statements on the going concem basis unless it is inappropriate to presume
that the charity will continue its activities.
The trustees are responsible for keeping proper accounting records which disclose
with reasonable accuracy at any time the financial position of the charity and to
enable them to ensure that the financial statements cornply with the Charities Act
2011. The trustees are also responsible for safeguarding the assets of the charity
and hence for taking reasonable steps for the prevention and detection of fraud and
other irregularities.
Signed on behalf of the trustees
Mr l Riches
Approved by the trustees on .

THE JAMES ALFRED AND EMMA CLARA HALL FUND
INDEPENDENT EXAMINERS. REPORT TO THE TRUSTEES OF THE
JAMES ALFRED AND EMMA CLARA HALL FUND(continued)
YEAR ENDED 31 DECEMBER 2024
I report on the accounts for the year ended 31st December 2024 set out on pages 6 to 14.
Respective responsibilities of trustees and examiner
The charity's trustees are responsible for the preparation of the accounts. The charity's
trustees consider that an audit is not required for this year (under Section 144(2) of the
Charities Act 2011 (the 2011 Act)) and that an independent examinats'on is required.
It is my responsibility to:
-examine the accounts under Sectlon 145 of the 2011 Act
-to follow the procedures laid down in the General Directions given by the Charity
Commission (under Section 145(5)(b) of the 2011 Act). and
-to state whether particular matters have come to my attention.
Basis of the independent examinerfs report
My examination was carried out in accordance vlith the General Directions given by the
Charity Commission. An examination indudes a review of the accounting records kept by
the charity and a comparison of the accounts presented wth those records. It also
includes consideration of any unusual items or disclosures in the accounts. and seeking
explanations from you as trustees concerning any such matters. The procedures
undertaken do not provide all the evidence that would be required in an audit, and
consequently no opinion is given as to whether the accounts present a 'true and fair
view ' and the report is limited to those matters set out in the statements below.
Independent examiner's ststement
In connection with my examination, no matter has come to my attention:
{ l ) which gives me reasonable cause to believe that, in any material respect, the requirements
-to keep accounting records in accordance with Section 130 of the 2011 Act; and
-to prepare accounts which accord with the accounting records and to compty wth the
accounting requirements of the 2011 Act
have not been met: or
{2) to which. in my opinion, attention should be drawn in order to enable a proper
understanding of the accounts to be reached.
Victoria Moore FCCA
MDG Business Associates Limited
Chartered Accountants
Room 73, Wrest House
Wrest Park
Silsoe
Bedford
MK45 4HR
251091202

THE JAMES ALFRED AND EMMA CLARA HALL FUND
STATEMENT OF FINANCIAL ACTIVITIES
YEAR ENDED 31 DECEMBER 2024
Unrestricted Endowment
Funds
Funds
2024
2024
Total
Funds
2024
Total
Funds
2023
Notes
Incoming resource5
Investment income
Total Incoming resources
997
997
143,581
143,581
144,578 141,115
144,578 141.115
Resources expended
Charitable expenditure:
Costs in furtherance of charitable objects
Management and administration
Total Resources expended
121,285
930
122,215
121,285 106,963
930
1,100
122.215 108,063
Unrealised and realised gainsl(losses) on
investments
3,462
128.427
131,889 399,438
Net resources for the year
before transfers
(117,756)
272,008
154.252 432.490
Transfer between funds
143,581
(143,581)
Net movement in funds
relating to the year
Balances biought foThvard
Balances carried forward
25,825
128,427
154,252 432,490
231,359
257,184
4,815,863 5,047,222 4,614,732
4,944,290 5.201,474 5,047.222
The statement of financial activities includes all gains and losses recognised in the year. All income and
expenditure derives from continuing activities.
The notes on pages 8 to 14 fomi part of these financial statements.

THE JAMES ALFRED AND EMMA CLARA HALL FUND
Balance Sheet
31 DECEMBER 2024
2024
2024
2023
2023
Notes
FIXED ASSETS
Investments - Capital Funds
Investments - Income Funds
4,944,290
154,735
5,099,025
4,815,863
151,273
4,967.136
CURRENT ASSETS
Debtors
Cash at bank
36,557
67,896
104,453
38,980
42,206
81,186
CREDITORS: Amounts falling due
within one year
2,004
1,100
NET CURRENT ASSErs
102,449
80,086
NET ASSETS
5,201,474
5,047,222
FUNDS
Unrestricted Income
Endowment
TOTAL FUNDS
10
11
257,184
4,944,290
5.201,474
231,359
4,815.863
5.047,222
These financial statements were approved by the trustees on the .
THE REVD L F DAVIS
I RICHES
The notes on pages 8 to 14 fomi part of these financial statements.

THE JAMES ALFRED AND EMMA CLARA HALL FUND
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 DECEMBER 2024
1.ACCOUNTING POUCIES
Basis of accounting
The financial statements of the charity. which is a public benefit entity under FRS 102,
have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting
and Reporting by Charities: Statement of Recommended Practice applicable to
charities preparing their accounts in accordance with the Financial Reporting Standard
applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019),,
as amended by Update Bulletin 2 published in October 2019, and the Charities Act
2011. The financial statements have been prepared under the historical cost
convention.
Investment assets and income
Investments are shown at market value. Realised and unrealised gains and losses in
the year are shown in the statement of financial activities. Gains and losses are
calculated at the basis of the previous balance sheet valuation or the purchase cost
whichever is lower.
Investment incorne is credited to the year to which it relates. Tax ￿edItS are matched
to the year in which the investment income is credited.
Grants and other expenditure
Grants and other expenditure are charged to the Statement of Financial Activities on
an accruals basis.
Fund accounting
Unrestricted funds can be used in accordan￿ with the charitable objectives at the
discretion of the trustees.
Only the income from the Endowment Fund, which is transferred to the Unrestricled
Fund each year. can be spent. though it is possible to bo￿OW monies from the
Endowment Fund with special permission from the Charity Commissioners.
Further explanation of the nature and purpose of each fund is included in the notes to the financial
2.CONNECTED CHARITIES
The James Alfred and Emma Clara Hall Trust has some trustees who are also
members of the Parochial Church Council. During the year grants amounting to
£117,297 (2023 - £113.098) were awarded.
3.INVESTMENT INCOME
Unrestricted Endowment 2024
2023
Interest
CBF Fixed interest securities fund
CBF Property fund
CBF Investment fvnd
CBF Global Equty fund
997
997
2,190
5.846
5,846
4,635
13,789 13.789 13,519
110,558 110,558 107,646
13,388 13,388 13.125
143,581 144,578 141.115
997

THE JAMES ALFRED AND EMMA CLARA HALL FUND
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 DECEMBER 2024
4.COSTS IN FURTHERANCE OF CHARITABLE OBJECTS
Unrestricted Endowment Total
Funds
Funds
Funds
2024
2024
2024
Total
Funds
2023
Provision of charitable services:
Grants for Ministry
Grants for Administrative support
Grants for Church enhan￿rnents
47,784
66,700
6,801
121,285
47,784 36,695
66,700 61.067
6,801
9,201
121,285 106,963
Analysis of provision of charitable
services:
2024
2023
Grants for Ministry
Youth Worker
Verger
Music Director
Locum Organists
Choristers
28,691
18,963
7,143
6,569
11,208
10,410
510
395
232
358
47,784 36,695
Grants for Administrative Support
Centre Manager
Administrative Assistant
Caretaker
Cleaner
Employer's National Insurance
Employer's Pension Contributions
Recruitrnent Expenses
Payroll, IT, Printing and Training
Money Advice Administrative Assistant
SMP & ShPP
30,432 28,290
9,956
15.600
6,275
658
3,002
10,536
13,860
5.729
1,037
1.903
90
216
720
(1,314)
66,700 61,067
777

THE JAMES ALFRED AND EMMA CLARA HALL FUND
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 DECEMBER 2024
Grants for Church Enhan￿rnentS
2024
2023
Solar Panels
Replacement pathway
Gable End
6,196
3.005
6,801
6,801
9.201
Unrestiicted Endowment Total
Funds
Funds
Funds
Total
Funds
Examination fees
Lloyds Compensation
1,080
(150)
930
1,080
(150)
930
1.100
1,100
6. TRANSFERS BETWEEN FUNDS
The capital of the Trust has arisen from Ihe accumulation of the legacy frorn the estate
of James Alfred and Emma Clara Hall and is held by the trustees as a pemianent
Endowment Fund. The income from this Fund is transferred to the Unrestricted Fund
each year.
Unrestricted Endowment Total
Total
Transfer of expendable
Endowment income
143.581
(143,581)

THE JAMES ALFRED AND EMMA CLARA HALL FUND
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 DECEMBER 2024
7. INVESTMENTS
a. CAPITAL FUNDS
Movement in market value
2024
2023
Market value at 1 January 2024
Net gains on revaluations in the year ended
31 December 2024
Market value at 31 December 2024
4,815,863
4.424.317
128.427
4,944,290
391,546
4,815,863
Historical cost at 31 De￿mber 2024
2,415,679
2,415,679
Analysis of investments at 31 December 2024
Totsl
Funds
2024
Total
Funds
2023
CBF fixed interest securities fund
CBF property fund
CBF investment fund
CBF Global Equity fund
Cash on depostt
222,978
255.825
3,901,105
563,446
936
4,944,290
216,444
254,413
3,813,813
530,257
936
4,815,863
Historical cost at 31 December 2024
2,415,679
2,415,679
b. INCOME FUNDS invested in CBF investment funds
2024
2023
Market value at 1 January 2024
Purchases
Net gains on revaluations in the year ended
31 December 2024
Market value at 31 December 2024
151,273
38,381
105,000
3.462
154,735
7,892
151,273
Historical cost at 31 December 2024
125,578
125,578
8. DEBTORS
2024
2023
Debtors
36,557
38,980
Debtors represent interest and dividends re￿1vable on funds invested.

THE JAMES ALFRED AND EMMA CLARA HALL FUND
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 DECEMBER 2024
9. CREDITORS: Amounts falling due within one year
2024
2023
Accruals
pcc
1,100
1,100
2,004
1,100
10. ANALYSIS OF NET ASSETS (between restricted and unrestricted funds)
Other net
assets
2024
Total
Total
2024
2023
Unrestricted Income Fund
257,184
257,184
231,359
11. ENDOWMENT FUNDS
Balance at
1 Jan 2024
Incoming & Outgoing &
Revaluations
Transfe
Balance at
31 Dec 2024
Permanent endowments
Endowment Fund
4,815.863
272,008
{143,581)
4,944,290
12. ANALYSIS OF NET ASSETS BETWEEN FUNDS
Unrestricted
Endowment
Funds
Funds
Total
Funds
Total
Funds
Investments
Debtors
Cash at bank
Current liabilities
154,735
36,557
67,896
(2,004)
257,184
4.944,290
5,099,025
36.557
67,896
{2,004)
5,201,474
4,967,136
38,980
42,206
(1,100)
5,047.222
4,944,290

THE JAMES ALFRED AND EMMA CLARA HALL FUND
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 DECEMBER 2024
12. FINANCIAL COMMITMENTS
The Trust has no paid employees. However. in the past it has commrtted to supporting
the cost of certain employees of St Andrew's Church PCC. The commitment for all these
posts amounted to an estimate of £114.500 per annum in the year to 31sI De￿mber
2024. This arrangernent has been reviewed with the PCC and with effect from 1st January
2025 the commitment will be by way of a fixed grant. Any underspend in that sum will be
taken into account when agreeing the grant for the following year.
13. CONTINGENT UABILITIES
The Trustees confirtn that there are no contingent liabilities to report as at 31 December
2024. (2023 - £Nil).
14. TRUSTEES, REMUNERATION AND RELATED PARTIES
The trustees received no remuneration or other benefits in the year from the Fund (2023
£Nil).
There were no trustees, expenses paid in the year by the Fund (2023 - £Nil).
Other than those specifically disclosed in the notes to the financial statements there
were no other outstanding balances with related parties as at 31 December 2024 (2023-
£Nil).

THE JAMES ALFRED AND EMMA CLARA HALL FUND
NOTES TO THE FINANCIAL STATEMENTS
YEAR ENDED 31 DECEMBER 2024
15. COMPARATNES FOR STATEMENT OF FINANCIAL ACTMTIES
Unrestricted Endowment
Funds
Funds
2023
2023
Total
Funds
2023
Incoming resources
Investment income
Total Incoming resources
2.190
2.190
138.925
138.925
141,115
141.115
Resources expended
Charitable expenditure:
Costs in furtherance of charitable objects
Management and administration
Total Resources expended
106.963
1,100
108,063
106,963
1,100
108,063
Unrealised and realised gains on investsnents
7,892
391,546
399,438
Net resources for the year
before transfers
(97,981)
530.471
432,490
Transfer between funds
138,925
(138,925)
Net movement in funds
relating to the year
Balances brought forward
Balances carried fop4vard
391,546
432.490
190,415
231,359
4,424,317
4,815.863
4.614.732
5,047,222