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2020-12-31-accounts

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF FLITWICK

REPORT AND FINANCIAL STATEMENTS

FOR THE YEAR ENDING

31 DECEMBER 2020

CONTENTS
Page
Trustees Report 2
Independent examiner's report 6
Statement of financial activities 7
Balance sheet 8
Notes to the financial statements 9 - 13

The Parochial Church Council of the Ecclesiastical Parish of Flitwick, is registered with the Charity Commissioners for England and Wales (Charity no. 1169624)

1

Parochial Church Council of the Ecclesiastical Parish of Flitwick

TRUSTEES’ REPORT FOR THE YEAR ENDING 31 DECEMBER 2020

Aim and Purposes

The Parochial Church Council has the responsibility of co-operating with the Incumbent, the Reverend Lucy Davis, in promoting in the ecclesiastical parish Flitwick the whole mission of the Church, pastoral, evangelistic, social and ecumenical. It also has responsibility for the maintenance of the Parish Church and Chapter House.

Objectives and Activities

When planning our activities for the year, we have considered the Charity Commission’s guidance on public benefit and, in particular, the supplementary guidance on charities for the advancement of religion. In particular, we try to enable ordinary people to live out their faith as part of our parish community through:

Achievements and performance

Worship and Prayer

Our worship was significantly impacted by COVID19, with the church building having to close completely with the first national lockdown on 23[rd] March 2020. However, we have continued to be a worshipping community. Our worship has included:

Pastoral Offices were significantly curtailed, with no weddings taking place (2019 – 8 weddings) and only 10 baptisms (2019 – 34 baptisms). Clergy from the Parish officiated at 46 funerals: 18 in church and 28 elsewhere (2019 – 20 in church, 28 elsewhere)

Pastoral Care

During COVID restrictions our normal visits to hospitals, homes and care homes were not possible.

In March 2020 the Church established Hubs, so that every member of our contact database received a phone call weekly. In August, the Hubs were reduced in size so that those who were most isolated continued to be called. In addition, the church was instrumental in setting up the Flitwick Community Lifeline, together with other agencies, a phone service providing shopping and prescriptions for those who were shielding during Lockdown, meeting some 50 requests each week at the peak in April 2020.

2

Mission and Evangelism

Members of the congregation, the vicar and the curate usually regularly visit to local schools, providing assemblies, RE curriculum support and other activities. During COVID restrictions these activities continued online via livestream and recordings.

As a church, we continued to make regular contributions to the Need project food bank, as well as raising money for other charities carrying out God’s work, including our nominated Charities for the year, Keech Hospice Care and Shelter.

In Autumn 2020 we began Make Lunch, a scheme to provide families in danger of food poverty with meals during the school holidays. In the Christmas holidays, we provided boxes containing 300 meals, including recipe cards and lots of fresh produce.

One effect of moving our worship online during the pandemic has been the number of people who have come into contact with faith and how widely we have been able to speak the Good News of Jesus Christ in our community and beyond.

Ecumenical relationships

The church is a member of Churches Together in Ampthill and Flitwick.

Deanery Synod

Three members of the PCC sit on the deanery synod. This provides the PCC with an important link between the parish and the wider structures of the church.

Buildings

Routine maintenance of our building continued as far as possible with the restrictions on working practices in place. We were required by law to close our building completely from March until June, reopening for private prayer from 15[th] June, ensuring the safety from infection for visitors by a daily cleaning regime carried out by a team of volunteers.

Financial review

Income in 2020 was down £33,117 from the prior year (2020 £89,568, 2019 122,685), largely due to the effects of the Covid pandemic and lockdowns. The income streams most affected by Covid were Collections at Services (down £9,450 or 78%), Wedding and Funeral fees (down £2,942 or 41%), Fundraising Events (down £4,017 or 75%) and Chapter House Letting (down £1,007 or 51%). In addition, unrelated to Covid, the PCC did not receive further grants for the Fresh Expression (2019 £2,750) or from the Friends of Flitwick Church for Fabric expenditure (2019 £21,329)

Somewhat offsetting these decreases were one-off “Other Donations” of £12,724 (an increase of £6,397 or 23% from the prior year). Planned Giving income also increased by £4,137 or 9% from the prior year. The PCC now receives 98 regular planned giving donations, 48 by Direct Debit through the Parish Giving Scheme 38 by Standing Order or Bank Transfer and 12 via our Envelope scheme. This represents an increase of 5 donors during 2020 and 13 donors during 2019.

Total expenditure was down £34,244 from the prior year (2020 93,587, 2019 127,010). This was almost entirely due to the prior year expenditure on major maintenance projects not being repeated this year (2019 Lych Gate and Church floor projects). Significant items of expenditure in 2020 included £3,780 on tree surgery (met from the legacy fund) £1,954 on hymn books (also met from the Legacy Fund) and 1,469 on a new shed (met from General Funds).

Net expenditure for the year was £4,018 (2019 £4,325).

3

Reserves

It is PCC policy to try to maintain a balance on free reserves which equates to between three and six months of unrestricted payments. This is equivalent to approximately £22,500 to £45,000. It is held to smooth out fluctuations in cash flow and to meet emergencies. The balance of the free reserves (unrestricted reserves which have not been designated by the PCC for use for other purposes) at the year-end was £50,221 which is slightly higher than this target.

Our PCC legacy policy is to use legacy gifts to help fund significant development projects, whether buildings, equipment, mission or staff. The PCC has created a designated Legacy Reserve Fund to separate legacy donations from free reserves and has transferred the legacies donated in the past two years to this reserve. Use of the reserve to fund specific projects requires approval of the PCC via a PCC resolution. At the year-end, the Legacy reserve stood at £27,370.

The costs relating to a future sale of St. Andrew’s Hall have been separated into a separate designated reserve, to net off against any future income from that sale. The St Andrews sale reserve had a deficit balance of £2,917 at year end.

The restricted reserves of £24,126 can only be spent for the purposes for which they were originally donated. The largest of these is the Religious Education Fund of £6,992 which can only be spent on Education receives income from the Old School Sunday School fund (2020 £1,435, 2019 £1,393).

The endowment reserves of £11,103 are a special kind of restricted fund that must be retained permanently as capital. The income on the PCC’s endowment reserves can only be spent on fabric related items and are paid into the restricted Chancel and Fabric repair funds.

It is our policy to invest cash balances over and above those required to fund day to day expenditure with the CCLA Church of England Deposit Fund. Endowment funds are invested in the CCLA Church of England Investment Fund.

Structure, governance and management

The Parochial Church Council of the Ecclesiastical Parish of St Peter & St Paul with St Andrew, Flitwick, is a corporate body established by the Church of England. The PCC operates under the Parochial Church Council Powers Measure. The PCC is a registered charity.

The method of appointment of PCC members is set out in the Church Representation Rules. In this parish, the membership of the PCC consists of the incumbent (our vicar), the assistant curate, churchwardens, members of Deanery Synod, members elected by those members of the congregation who are on the electoral roll of the Parish.

Administrative information

The Parish Church of St Peter and St Paul is situated on Church Road, Flitwick, MK45 1AE. The Parish is part of the Diocese of St Albans within the Church of England. The correspondence address is The Vicarage, 26 Dew Pond Road, Flitwick, Bedford, MK45 1RT. Registered charity number 1169624.

4

PCC members who have served at any time from 1 January 2019 until the date this report was approved are:

Incumbent Revd Lucy Davis – Chair Churchwardens: Mr Chris Macintosh Mr David Watson – Lay Chair Assistant Curate Revd Andrea Maffei Representatives of the Deanery Dr Anthony Brown Synod Mr Anthony Davis (from 12[th] October 2020) Mr David Golding (from 12[th] October 2020) Mrs Karen Rabjohn (until 12th October 2020) Mrs Rachel Thompson (until 12[th] October 2020) Other Elected Members Mr Ian Cook Mr Anthony Davis (Treasurer until 27[th] April 2020) Mrs Samantha Davis Mr Ciaran Diver Mrs Linda Foale – Secretary Mr Richard Fullbrook (until 12[th] October 2020) Mr Richard Harris Mrs Wendy Harris – Safeguarding Officer Mr David Loader (from 12[th] October 2020) Mrs Heather Macintosh Mrs Mary McKeand Ms Donna Morris – Treasurer (from 27[th] April 2020) Mrs Karen Rabjohn (from 12[th] October 2020) Mrs Carol Thompson Ms Sarah Watt (until 27[th] April 2020)

Report approved by the PCC on 8th March 2020 and signed on their behalf by

Rev Lucy Davis Chair

Mr David Watson Lay Chair

5

INDEPENDENT EXAMINER’S REPORT

Report to the Parochial Church Council of the Ecclesiastical Parish of Flitwick. Charity Number 1169624

I report to the trustees on my examination of the accounts of the above charity (“the PCC”) for the year ended 31 December 2020, set out on pages 7 to 13.

Responsibilities and Basis of Report

As the charity's trustees, you, are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 (“the Act”).

I report in respect of my examination of the PCC’s accounts carried out under section 145 of the 2011 Act and in carrying out my examination, I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Independent examiner’s statement

I have completed my examination.

I confirm that no material matters have come to my attention in connection with the examination which gives me cause to believe that in any material respect:

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

Terry Thurley 8[th] March 2020

Gladive, 15 Hampden Close Flitwick Bedford MK45 1HR

6

Parochial Church Council of the Ecclesiastical Parish of Flitwick

STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDING 31 DECEMBER 2020

Unrestricted Restricted Endowment TOTALS
Funds Funds Funds 2020 2019
Note £ £ £ £ £
2 Income and endowments:
Donations and legacies 80,042 3,203 - 83,245 105,877
Income from Church Activities 4,122 - - 4,122 8,839
Activities for Generating Funds 1,671 - - 1,671 7,347
Income from Investments 208 322 - 530 622
Total income 86,044 3,525 - 89,568 122,685
3 Expenditure on:
Raising funds 2,442 - - 2,442 1,622
Expenditure on Church Activities 87,898 3,247 - 91,144 125,388
Total expenditure 90,340 3,247 - 93,587 127,010
Net income / (expenditure) resources
(4,296)
278 - (4,018) (4,325)
Transfers:
Gross transfers between funds - in - - - - -
Gross transfers between funds - out - - - - -
Other recognised gains / losses
Gains/losses on investment assets - - - - 1,638
Gains on revaluation, fixed assets, charit - - 717 717 -
Net movement in funds (4,296) 278 717 (3,301) (2,687)
Reconciliation of funds
Total funds brought forward 78,969 23,847 10,385 113,202 115,889
Total funds carried forward 74,673 24,126 11,103 109,901 113,202

The notes on pages 9 to 13 form part of these financial statements

7

Parochial Church Council of the Ecclesiastical Parish of Flitwick

BALANCE SHEET AT 31 DECEMBER 2020

Note
FIXED ASSETS
Tangible assets
7
Investments
10
CURRENT ASSETS
Cash at Bank and in Hand
Debtors
CURRENT LIABILITIES
Creditors payable within one year
NET CURRENT ASSETS
TOTAL NET ASSETS
THE FUNDS OF THE CHARITY
Unrestricted income funds:
General
Designated
Restricted income funds:
Restricted
9
Endowment
10
8
£
£
£
£
1,207
1,643
11,103
10,385
12,310
12,028
97,806
99,258
2,507
3,963
100,312
103,221
2,721
2,048
97,591
101,174
109,901
113,202
50,221
46,502
24,452
32,468
74,673
78,969
24,126
23,847
11,103
10,385
109,901
113,202
2020
2019
100,312
2,721

Approved by the PCC on 8[th] March 2020 and signed on their behalf by

Rev Lucy Davis Chair

Mr David Watson Churchwarden

8

Parochial Church Council of the Ecclesiastical Parish of Flitwick

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDING 31 DECEMBER 2020

1 ACCOUNTING POLICIES

Basis of preparation:

The PCC is a public benefit entity within the meaning of FRS102. The financial statements have been prepared under the Charities Act 2011 and in accordance with the Church Accounting Regulations 2006 governing the individual accounts of PCCs, and with the Regulations’ “true and fair view” provisions, together with FRS102 (2016) as the applicable accounting standards and the 2016 version of the Statement of Recommended Practice, Accounting and Reporting by Charities (SORP(FRS102)).

The financial statements have been prepared under the historical cost convention except for the valuation of investment assets, which are shown at fair value.

Income and Endowments:

Recognition: These are included in the Statement of Financial Activities (SOFA) when:

  1. the PCC becomes legally entitled to the use of the resources; and

  2. inflow of economic benefit is probable; and

  3. the monetary value can be measured with sufficient reliability.

Fund Raising: Funds raised from events and trading activities are reported gross in the SOFA – i.e., before any related costs that may have been deducted from the gross proceeds.

Grants and donations: Grants and donations are included in the SOFA when any preconditions preventing their use by the PCC have been met. For collections and planned giving this is when the funds are received.

Gift Aid Tax claims, etc., on cash donations: Gift Aid and other tax claims are included in the SOFA at the same time as the cash donations to which they relate.

Investment gains and losses: This includes any gain or loss on the sale of investments and any gain or loss resulting from revaluing investments to market value at the end of the year.

Expenditure & Liabilities:

Liability Recognition: Liabilities are recognised as soon as there is a legal or constructive obligation and settlement is probable and quantifiable.

Assets:

Consecrated and benefice property: In so far as consecrated and benefice property of any kind is excluded from the statutory definition of “charity” by Section 10(2) (a) and (c) of the Charities Act 2011 such assets are not capitalised in the financial statements.

Tangible fixed assets for use by charity: These are capitalised if they can be used for more than one year, and cost at least £400. They are valued at cost.

Depreciation is calculated to write off the capitalized cost of fixed assets less their currently anticipated residual fair value over their estimated useful lives as follows:

▪ Office equipment - 5 years

Investments: Investments quoted on a recognised stock exchange or whose value derives from them are valued at market value at the year end.

Short term deposits: Include cash held on deposit either with the CBF Church of England Funds or at the bank.

Funds:

Unrestricted Funds: These represent the funds of the PCC that are available for spending on the general purposes of the PCC, including amounts designated by the PCC for fixed assets for its own use or for spending on future projects.

Restricted Funds: These are income funds that must be spent on restricted purposes and details of the funds held and restrictions provided are shown in the notes to the accounts.

Endowment Funds: These are restricted funds that must be retained as trust capital either permanently or subject to a discretionary power to spend capital as income, and where the use of any income or other benefit derived from the capital may be restricted or unrestricted. Full details of their restrictions are shown in note 10.

9

NOTES TO THE FINANCIAL STATEMENTS (cont.)

2
Income and endowments:
Donations and legacies
1010 - Planned Giving - Gift Aided
1030 - Planned Giving - Other
1110 - Collections at Services
1115 - Collections at FX services
1220 - Other Donations
1410 - Grants for Property Maintenance
1420 - Grants for Religious Education
1430 - Grant for Fresh Expression
1440 - Grant for Make Lunch
1610 - Gift Aid recoverable
Donations and legacies Totals
Income from Church Activities
2110 - Weddings & Funerals - Statutory Fees
2120 - Weddings & Funerals - Other Fees
2130 - Parish Magazine Subscriptions
2225 - Other Income from Church Activities
Income from Church Activities Totals
Activities for Generating Funds
2210 - Fundraising Events
2220 - Parish Magazine Advertising
2230 - Chapter House Letting
2240 - Other Fundraising
Activities for Generating Funds Totals
Income from Investments
2310 - Bank Interest
2320 - Dividends from Investment Funds
Income from Investments Totals
Income and endowments: Grand totals
Restricted
Endowment
General
Designated
Funds
Funds
2020
2019
£
£
£
£
£
£
42,533
-
-
-
42,533
37,589
9,895
-
-
-
9,895
10,702
2,429
-
183
-
2,611
12,061
12
-
-
-
12
24
12,340
-
385
-
12,725
6,328
-
-
-
-
-
21,329
-
-
1,435
-
1,435
1,393
-
-
-
-
-
2,750
-
-
1,200
-
1,200
-
12,834
-
-
-
12,834
13,701
Unrestricted Funds
TOTALS
80,042
-
3,203
-
83,245
105,877
2,576
-
-
-
2,576
5,518
1,546
-
-
-
1,546
1,665
-
-
-
-
-
934
-
-
-
-
-
723
4,122
-
-
-
4,122
8,839
607
-
-
-
607
4,624
100
-
-
-
100
750
964
-
-
-
964
1,971
-
-
-
-
-
1
1,671
-
-
-
1,671
7,347
208
-
10
-
219
320
-
-
312
-
312
303
208
-
322
-
530
622
86,044
-
3,525
-
89,568
122,685

10

NOTES TO THE FINANCIAL STATEMENTS (cont.)

Unrestricted Funds Unrestricted Funds Restricted Endowment TOTALS TOTALS
General Designated Funds Funds 2020 2019
£ £ £ £ £ £
3 Expenditure on:
Raising funds
3110 - Giving and Gift-Aid Costs 160 - - - 160 192
3210 - Fundraising Events Costs - - - - - 794
9130 - St Andrews Sale costs - 2,282 - - 2,282 635
Raising funds Totals 160 2,282 - - 2,442 1,622
Expenditure on Church Activities
4110 - Parish Share 61,023 - - - 61,023 59,059
5110 - Parish Clergy Expenses 1,261 - - - 1,261 2,021
5710 - Worship Supplies & Costs of Services 1,949 - 166 - 2,115 2,550
5720 - Organist Fees 415 - - - 415 1,168
5730 - Director of Music Salary 2,084 - - - 2,084 1,685
5810 - Fresh Expression Costs 27 - - - 27 162
6310 - Education & Children - - 439 - 439 589
6410 - Make Lunch Costs - - 533 - 533 -
6510 - Mission Giving 80 - 1,325 - 1,405 3,163
6610 - Mission and Evangelism - Other - - 59 - 59 503
7410 - Parish Administrator Salary 2,879 - - - 2,879 3,542
7510 - Administration & Parish Office Costs 1,826 - - - 1,826 1,865
7520 - Staff & Volunteer training - - 10 - 10 119
7610 - Other Church Running Costs 57 - - - 57 934
7710 - Parish Magazine Costs 354 - - - 354 1,690
8710 - Cleaning & Routine Maintenance (Paris 2,875 - - - 2,875 4,741
8720 - Utility Bills (Parish Church) 2,762 - - - 2,762 4,113
8730 - Insurance (Parish Church) 2,067 - - - 2,067 1,973
8780 - Upkeep of Churchyard - 3,780 - - 3,780 713
8810 - St Andrews Running Costs 601 - - - 601 767
8820 - Church Furnishings (not capitalised) - - - - - 72
8910 - Depreciation 436 - - - 436 841
9110 - Major Repairs & Maintenance - - 715 - 715 32,276
9115 - Major Installations 1,469 1,954 - - 3,423 845
Expenditure on Church Activities Totals 82,164 5,734 3,247 - 91,144 125,388
Expenditure Grand totals 82,324 8,016 3,247 - 93,587 127,010

11

NOTES TO THE FINANCIAL STATEMENTS (cont.)

2020 2019
4 STAFF COSTS AND EMPLOYEE BENEFITS £ £
Wages and Salaries 4,963 5,227
Employees 2 1

During the year the PCC employed a Director of Music and a Parish Administrator (both part-time). Payments were not large enough to attract social security costs

5 TRANSACTIONS WITH TRUSTEES

During the year the Rev'd Lucy Davis, chair of the PCC and the Rev'd Andrea Maffei, PCC member, received a total of £1,261 of expenses related to the performance of their duties as parish clergy. All expenses are consistent with Church of England guidance on the parochial expenses of clergy. During the course of the year members of the PCC, were reimbursed for other expediture incurred as agents on behalf of the PCC. These other payments are recorded in the accounts under the relevant expenditure category.

6 INDEPENDENT EXAMINER'S REMUNERATION

The Independent Examiner was not remunerated for his work on the 2020 accounts (2019 - nil)

7
TANGIBLE FIXED ASSETS
Office Computer
Photocopier
Carrying value at 31 December
8
UNRESTRICTED FUNDS
General Fund
Legacy Fund (Designated)
St Andrews Sale Fund (Designated)
Cost at 1
January
2020
Accum
Depreciation
at 1 January
2020
Carrying
Value at 1
January
2020
Deprec'n
in year
Carrying
Value at
31 Dec
2020
£
£
£
£
£
499
200
299
100
199
1,680
336
1,344
336
1,008
2,179
536
1,643
436
1,207
1 January
2020
Income
Expend.
Transfers
Gains/
(Losses)
31 Dec
2020
£
£
£
£
£
£
46,502
86,044
82,324
-
-
50,221
33,103
-
5,734
-
-
27,370
(635)
-
2,282
-
-
(2,917)
Cost at 1
January
2020
Accum
Depreciation
at 1 January
2020
Carrying
Value at 1
January
2020
Deprec'n
in year
Carrying
Value at
31 Dec
2020
£
£
£
£
£
499
200
299
100
199
1,680
336
1,344
336
1,008
2,179
536
1,643
436
1,207
78,969
86,044
90,340
-
-
74,673

Legacy gifts are used to help fund significant development projects; whether buildings, equipment, mission or staff.

12

NOTES TO THE FINANCIAL STATEMENTS (cont.)

9
RESTRICTED FUNDS
Religious Education
Lych Gate Repair fund
Fabric Repair Fund
Bell fund
Fresh Expression
Furnishing Fund
Make Lunch
Choir Fund
Chancel Fabric Fund
Pither Legacy (Charitable use in Parish)
Appeals for Charities
Church Flowers
1 January
2020
Income
Expend.
Transfers
Gains/
(Losses)
31 Dec
2020
£
£
£
£
£
£
6,006
1,435
449
-
-
6,992
4,467
-
715
-
-
3,751
3,023
166
-
-
-
3,189
3,003
9
-
-
-
3,011
2,588
-
-
-
-
2,588
1,673
-
-
-
-
1,673
-
1,510
533
-
-
977
711
-
22
-
-
689
388
148
-
-
-
536
535
-
59
-
-
476
1,325
183
1,325
-
-
183
130
75
145
-
-
60
23,847
3,525
3,247
-
-
24,126

Restricted funds have been donated to the PCC for specific purposes and may only be used for the purpose for which they were donated:

The Religious Education fund is the accumulated income from the Old School Endowment, a separate charity of which the Vicar and Churchwardens are trustees. This income of such endowmwnt funds is restricted by an Act of Parliament and can only be spent on religious education

The Lych Gate Repair fund represents amounts donated to fund the repairs to the Lych Gate in 2018/19. The remaining balance will be spent on completion of the planned repairs and any future repairs to the gate.

The Fabric Repair fund represents amounts donated by individuals as well as the Friends of Flitwick Church and is restricted to expenditure on the fabric of the Church building (including the Chapter House) and the churchyard

The Bell fund is restricted to repairs and maintenance of the bells and other bellringing expenses

The Fresh Expression fund is the balance of a grant from the Diocese of St Albans towards the costs of Flitwick FX

The Furnishing fund is restricted to expenditure on furnishings for the Church and Chapter House

The Make Lunch fund has arisen from donations and grants towards the Make Lunch scheme to provide meals to families in food poverty.

The Choir fund has been donated by individuals for Choir related expenditure

The Chancel Fabric fund is restricted by the Ecclesiastical Dilapidations Measure 1923 to repairs to the Church building and churchyard

The EM Pither Legacy is restricted to charitable use in the Parish and is spent at the discretion of the incumbent The Appeals fund represents collections for specific charities which have yet to be paid to that charity

Donations for Church Flowers are paid in to the Church Flowers fund, which is administered by the flower arrangers

10

ENDOWMENT FUNDS/
FIXED ASSET INVESTMENTS
Brooks Legacy Endowment (Fabric)
Byron Bequest Endowment (Fabric)
Chancel Endowment Fund (Chancel Fabric)
1 January
2020
Income
Expend.
Transfers
Gains/
(Losses)
31 Dec
2020
£
£
£
£
£
£
5,241
-
-
-
362
5,602
287
-
-
-
20
307
4,858
-
-
-
335
5,193
10,385
-
-
-
717
11,103

These endowment funds are restricted funds that must be retained as trust capital permanently and generate income for the PCC to be used for restricted purposes. Income from the Brooks and Byron funds is restricted to fabric expenditure and is recorded against the restricted Fabric Fund, income from the Chancel fund is recorded against the restricted Chancel Fund.

These funds are invested in The CBF Church of England Investment Fund. Income from them is restricted to fabric expenditure.

13