ST ANDREIV'S FROGNAL UNITED REFORMED CHURCH CHARITY
REPORT OF THE TRUSTEES FOR THF YFAR ENDIIYG 31 DECEMBER 2022
Thib rip(rt incluJ¢b infvrmalion tEquired by the Charities (Accounts and RLP)rts1
Re8ulation$ 2008 and the Siat¢meni of Reeomm¢nd¢d Practice tor Accollnting by Chariiies
2005 as BppliLable lo charities entitled to prepAre accounis a [￿eIpts and payments basis.
ADMINISTRATIVE INFORMATION
St Andrew s fro8nal is a loeAI ehurch of the United Refornid Church IURCI in Great
BritaiR, a member of -churches TogetheT in Catnden and a membcr of Ihe URC'5 Tham¢s
North Synryj. 1115 Sltuated on the Juncti￿ of Finchley Road and Frognal Lanc in Hamps1ea
l.(mdgn. wsi¢od¢ NW3 7T)Y.
It S¢￿ratelY re8istrred as a eh*rity on 21 Novemiwr 2016. charity. no. 1170781. Its
trust￿5 are the elders.. Vicioria Ferguson. Andrew Glennic. John Meadow& Morgan5,
Anne Noble. Dawid Noble. sU￿n Noble. Christy s3￿Yer., and its tr¢*su￿.[...Ir¢v71I Sie¥gles.
The churcli building. th¢ mans¢ at 42 Armiiage EA)ndon NWI18RD Bnd the Garden FI*L
Orchard Mead Hoiise. 733 Finchley Rd. London NWI I8DJ. i(¥eiher with a 20D/u share in the
manse of 1Tllllt)'. Camden URL at 34 Willes Road. Loiidoii NW5 3DS. aT¢ iC51ed URC
'rhames North Trusi &$ Iru%ie¢s and held for Ihe benefil of St Andrew's Fn)8nal URC in
#¢¢VTdan¢e wilh the trusts appli¢able lo URC prop¢rtie5.
The church maintain5 bank accounts with HSBC Bank for BenerBI us¢ and hold$ 4 savinbTS
Lounls.. Ihr¥¥ with COIF Icharili¢b 0￿1ClaI In￿￿t￿ent Fund) administer¢d by CCLA
(Charit). Commission 8nd Authorityi and ihe oih¢r with thE Churches Mull￿1 Credit
Ulliun.
STRUCTEQiE. f.OVFRNANCF AND MANAGFMENT
The church's activities are overs¢eA by the Elders. Meetin8 in a¢¢fjrdancc with the provisioTrs
of The Structure of the URC determined by th¢ tieneTal Assemblv of ihL URC and
stsppl¢m¢ni¢d by the ruli's tsf 81 AnJTew's Fro¥n¥l URC. "the Elders. Meetiii& assI￿ed by its
Ftnance And Fabric Committee, is responsible for the fin&n¢wl adtninTStraiion of Ihc church.
ihe care and niatntenance of the church premises together with th¢ manst and fl*. EldLrs'
meetings are nor￿811}. held tnonthly. The Churih Meeting lof who wish 10 attend} ¥iv¢s
generdl Buidance on thE life wurk of ihL' Church.. (mly church Themiyrs have voting rights.
New elders are elected by mernbers of the church al a church meeting. Theirterm of office is
not limikd. Th¢ otTi¢e5 of 5¢¢retary and TFea$ure¥a￿ voted oll at the AGM.
0￿￿CTIVEs AND AcfiviTIES
As a ILKal con8reBalio]t of the URC. St ADdr¥w 5 ￿ekS to advallce the Chrisltall religion
Ihrou¥h ils a¢iiNiiies and the fa¢iliiies offered to th¢ Community by its buildin8. 11 provid¢s
benefii to the public by..
providinB resources and faciltties for publiu worship. p35torBI care and spirinJ&l. moral
Jnd intellectual d£￿tI￿pmL.ll1. ￿)th fariht ¢onwgaiii)n and for anyonee15e who wishes
lo bencfil from whai the ¢hur¥h offers..
promotin8 Christian v31ues alld service by memkrs of the congregation to the
ommuiiity. for ihe ￿nefIt of individuals and society as a whole.
Specifically li offers Sunda), TllOrnill8 wotship. iK)Ih ai th¢ chU￿h and on-l1￿ through Zwtn.
variou5 Bible Siud>' 5¢$5ivns. and oiher oceasional services and ei'ents including weddings.
funernlb and chri￿enl￿gs. It also provides the main premises for ihe Wengelav¢il ErilreBn
Lutheran Church in knndo]k.

REVIFII. OF ACI'IVITIES AND AC.'HIFVEM£NTS
While the miMi51er s WSI is currenily vacanL *rvices were conducted in ￿ffte foTtn every
Suiiday. by visitin¥ minister5 or bv church eldcr% V*ho ar¢ traiiiLxI la) prea¢hcrs. During
church ¢losures. Compliant With governmeni ¥iuideline& s¢Trices were transmilled %'ia /.1￿￿
eiiher fn)In Ihe church (Ir from prLachers homc5. SinL¢ Tf-i)p¥ning af th¢ chur¥h in 10?1
5imultaKLtsU5 broadc&515 of the s¢rvices via 7.(￿[ll I￿ve LontinuLxd, helpinB to brin￿￿ the chllrrh
io a wider eon¥re¥8tioii.
Th¥ Finance and Fabric Cummittee werE unable to meet in person. i)wing to ¢ontilluinb
oncems aboui Covid. bill wer¢ able to corre%pond by telephone End email. so nLYCb50rv
muinlen&iiL¥ vf Ihe chllT¢h i%as iiot hindered.
Eld¥'Tr and othLrs h31'e eottiiniied to make a Nido vartetv of contribiilions.. In the clKJir. in the
Childr¢Tr-s C hiirch. proiiding minisiry. proi'idillg posloral ¢are. cat¢rin¥. tIo¥NLT5. managing
h&ill lettin¥. prowrtv tnallaeemL'nl eic. ThJDks are du¢ 10 811 who make the ehurch a
Elcomiiig f¥aTure of th¢ coinnitsnil) alld p8rticularl) lo tho* who tLTr)k the iiecesthry 8Ciions
at relevant tim¢s lo tnake the church C()vid-saf¢ and io grapple wiih new tLKhTrolou.
FINANCL*L REVIEW
In 2022 a small surplus ofjust over £3.1)00 WBS r¢wrded. This despite a fall of £35.000 in
Ihe value of investmen15 diie to world ecorJ¢)mic cirL'UM5tanLr5..
The r¢*rves at year end stiX)d al £505.000 of whi¢h £492.000 wa5 in unresiricled funds.
The poliei. on reserves is that unrc51ricted funds should excerd 12 m(Trnths of incume from
hall lettiTrgs ILurrentl> abolit £50,(K)O in a li(Jftnal Ye￿) this bein¥ ihe lar¥¥si siii¥l¥ sourcc of
incmie. Bt risk if the hall were 10 become unusable for any rea50n l&% it was iii 20?01.
The churL.h pays a conrribllti(yn Iv Ihe URC'5 Mini%1ry and Mission fjnd. this operniing lik.e g
with diff¢r¢nl rates differeni 5vurces ofincLKne In ?022 the contribiilioii was £Tr9.0(K).
Be¥a115e li ￿.￿rk￿ 2 )egrs in arJE&r% le¥ 2020 tonlribiition based ?018 in¢omel it caus¢
igiiifie¥ni tluctU3tlOns In annual pmfit thr l1?55. Hi)wei'er, an underljins Wsiiion close 10
brtak-even 15 expectcd lo be aLhievdble overthe nexi few )'eark prob&bl￿ wilh %inall
Surpluses in ab501ute ttTTnS but dcfiLi1s in real let￿s. The iise ofone-ofT IL'bacy rec¢ip15 fnml
con%TdL'rRlion bv the trustc¢s d¢spite various cunrni uiiceA#inlies.
Special charit> ei)Il¢clioiis In LhuTLh have ¢ontinued an¢1 negrlv £3.000 wa5 donated 10
variety of
This repopi w'u.v approv¢ilby ihe fruylees ON Z7. 4. I7
Church.f¥ereiury'.
. i.s $i8wedon its bffholfhv the

STMIDREbY$ FRO￿ UNITED REFORIAEDCIIVRGH
MNAJIIAL 8TATeMElItSFOR THE YEAR ENThNG31.12&2
RECE¥ryS*JIO PAYMENT5ACCOiJNT
P•)e 1
3022
Furtht
Fvftdb£
Re¢EPT8
742
11.2$4
250
Freew￿1 offering
(Ahertha1K￿7￿eVen
Giftfvjdtax repa￿A*￿i¥
324
214
3.395
8.259
47,259
55.868
B.04S
47.ZS9
6.957
29.256
52,559
Prop¢rty
ChanlyspeQ*l￿leCtiOn&
(hher
LÈ9a¢eg
Invèsiwi 9fowth {unted￿lI
Tow ￿￿•5
15.0
436D2
-923
-34 525
33,316
102B36
10345$
PAYMENrs
Miniylry & MIssK￿ Fur
28.920
28,920
840
e¥ws05
858
ChJr¢h mu51C
Churthwalor,985.el8c*.tds
Clwr¢h inSuTaDce
Prihllng. st&iJonery. IT
aning ar￿ matyrl*$
4,037
8.93F
io.ns
É3$
1Q.047
210
2.a55
8,937
10.n5
836
9.750
9.224
202
eNd￿'S
ChatrtiB5
1.787
2.547
1297
30.023
30.023
197
26B
236
20.652
84nk thaigpsend miscdlan8ou$
268
236
Tolal PayM•nts
MEf RECEIPTSI (PAYIIENTSI
TRAIISFERS bètw&ÈThfuhd$
84.710
56,010
CASH FUPIDS bM¥d l January
CASH FUNDS clFwd 21 DwmbF
48Y.889
13.1
1.742
A45,572
42
,449
STAIENENTOF ASSETs￿D L14BILmES
HSBCcvrr6nt8ccount
HSBC L4P51ll8ss accDunt
CcLAPtri￿1￿ntt
cCLAder￿￿ifu￿d
ChurchB5 MulualCr8dit Un
uldprfs irnwesl
F IURCI InYeslm&Thtacct
Tothl mon•tsry
127.515
2.153
228,466
127.515
2.153
228.468
101,204
15,194
98.794
2$2.755
IW.226
2,744
2.OOQ
29.239
12A50
29.299
33.086
GfftAid recovérabk•
￿en￿debtorS
xsots u$¢dforthurrh purpDs•5
Li#b•itl•J
CWue$tM)tde4red at31.12
PRO%￿Dbyth¥ ¢bu￿h hdd on 4•f.-I IJL1 a￿S￿￿ed0￿ behalf

ST ANOREVI'S FROGNAL U141TED REFORMED CHURCH
Page 2
Fln*n¢i*l sta18m￿ts for th8 y88rondinu 31.12.22
NOTES
1 ACCOUNTING POLICIES
The finartial Stat￿¢￿1$ have beeD pfepar￿ in accordanGewith the Chardies A¢1 2011, using
the Recapls and Payments basis availabk to gmall chariliè$, and the United Refomied Church guid8n¢e
2 FUNO ACCOUNTING
Unrestricted Funds may be used by the church forAny ofits tydin&ry Wfwse5.
Balance
Retapts
Payments
In year £
107,440
4.610
Fund name & purp¢str.
Trgnsfers
loi yÈar£
Balan
Congregalk)nal fund
Legacy fund
113.613
374,276
97,277
1.000
123.782
388,666
Tota15 for unre5trfcted lunds
487.889
102,830
98,277
492,448
De8ignaled Funds represent unresifthd funds Sel 88ide by the church for specificdesignated purposes, they
¢8n ￿ Iranslerred b¥k Into g&n¢r¥l fund¥ *the ¢hur¢h'$ ds¢i$ion.
Restricted lunds repfesent incomewhich may be expended only on those resiri¢ied ¢bJ8¢t8 pro¥vJed in the
terms ol a trust or beqvesl. 0rdonat￿n5 Of 9ran15 received or Inviied for a $pe¢rfi¢ puwose These funds Gan
be spent on the Spec￿¢ purp¢s¥forvthi¢h Ih¢yw$re given. Any balance rem8ining unspent mu$1 btr
carr￿￿ loNéard a5 a balance on that lund lor fulure expendit￿rE ￿ th81 sp8cifiG pu￿￿￿, or returned. Il cannot
be absorbed Into 9eTberal funds.
Funth name & purp05e.'
Organ and choirfund
Balance
Re¢*pts
In y8ar£
r6
P2ymEnts
8alan
for year £
10.812
B How trainin9 fund
Charities fund
Total8 for rost￿Cled
1.977
458
13.853
-103
1,329
236
1,787
2.023
i.e38
12,450
Th15Y&ar
2022
Toial £
Lastyear
2021
T¢ptsl £
¢61￿¢d
Funds£
3 IAOWIES PAID TO OUTSIDE CAUSES
Chnslian Aid
T￿$sell Tru51
1,148
796
256
60
185
LoThdon Refugee Resp)nse Fund
Marie Curie hospice
Christian Solidarity Wort[￿￿12
DEC P8ki*an Appeal
Cri$1$ UK
URC Commitment lor lrfe
Total
76
123
1.000
147
330
2.947
147
1.297
4 MONETARY ASSETS
Rest￿Cle￿ fund& 3re ￿01 held In 3opat*e *¢ounis, bul for ¢onv¢nvance are shown underlhe CMCU aGCOUnl.
In pla¢1￿e Inieie$i and Invesimenl g8in$ or10sges are pro rata'd etross 811 furth.
S ASSETS USED FOR CHURCH PURPOSES
The Tfusiees ol the ctturch and manse buildings are the URC Thames North sync￿ Tru* who upon
IFu51 lorpurw5es ConT￿led wrth Sl Andiews FropTh>l URC. For Insurance pU￿oseS the church buiklings are
insured for £18.8m ¥nd thtrunteni$ for £144.000
The manse house 8nd garden a￿ Insured for £700.000, ref￿ling rebuiKI not 98le prKe IwhKh ¥48s e1.43ml

ST ANDREWS FROGNAL UNITED REFORMED CHURC
Flnancial 8tstèments foith• yearondln¥ 31.12.22
Pa9È 3
TREASLIAER'S STATEMENT
I have prepared the financial statements for the year ending 31 12.22
T J Steggles
10.3.23
Idatel
INDEPENDENT EXAM114ER'S REPORT
I report on the financial statements for Sl Andrws Frognal URC forthe year ending
31 12 22 85 sei out on pages 1 and 2.
RESp￿tIVe responslblllties
The church 15 ￿8￿nSIb￿ for the preparation of the fin3ncial staternenls. and considers that the audit
r4uirement of section 144121 of the Charli￿$ Act 2011 does not apply 11 Is my reswnsibility lo
slate, on the basis of prttedures SpeC￿led in the General Direct￿n$ given by the Ch8rty Commissioners
under ￿tion 145 of IheA¢t. whelhef particuLqr m8tters have come lo my attention.
Ba515 of Indtpendent Examiners roport
My examinatson was carr￿d out In accordance with the General Directions of the Chanty commiss￿￿er5
An èxamination includes a review of the 8¢countillg records kept by the church and a comp8fisDn of th8
awounl8 presented wlh those records It a150 Indude8 considerdlion of any unusual Items or disclosu
In the financial slalemènls, and seeking explanations concerning any su¢fv matters The procedures
undertaken do not provide 811 the eviden* that would be required In an audit. 8nd consequently I do not
expres5 an audrt opinion on the view given by the financial 51alemenis
Indopondent Examinfrrfs stst8ment
In connection with tny examin8ton, no matter has come lo my attention which
111 gives me reasonable trause to believe that In any material respects the requirements lo keep acu)unling
records in accordance with section 130 of th& 2011 Act, and to prepare aecouols whrh accord wth
Ithse records 8Trd comply ￿th the 8ccountsng iequiremenls of Ihe Act have not been m81," or
121 require, in Tlly opEn￿n, attention 10 be dTrwTr In order to enable È propef understsnding of the
accounts to be re8¢hed.
SvJned by itte Independent ExeM￿ner
date 51 i L)1 15
Name and &Jdre8s of the Independent Examinar..
11(Is r l
Rdevant professional 9￿￿1￿1c31￿o LY body

STMIDREbY$ FRO￿ UNITED REFORIAEDCIIVRGH
MNAJIIAL 8TATeMElItSFOR THE YEAR ENThNG31.12&2
RECE¥ryS*JIO PAYMENT5ACCOiJNT
P•)e 1
3022
Furtht
Fvftdb£
Re¢EPT8
742
11.2$4
250
Freew￿1 offering
(Ahertha1K￿7￿eVen
Giftfvjdtax repa￿A*￿i¥
324
214
3.395
8.259
47,259
55.868
B.04S
47.ZS9
6.957
29.256
52,559
Prop¢rty
ChanlyspeQ*l￿leCtiOn&
(hher
LÈ9a¢eg
Invèsiwi 9fowth {unted￿lI
Tow ￿￿•5
15.0
436D2
-923
-34 525
33,316
102B36
10345$
PAYMENrs
Miniylry & MIssK￿ Fur
28.920
28,920
840
e¥ws05
858
ChJr¢h mu51C
Churthwalor,985.el8c*.tds
Clwr¢h inSuTaDce
Prihllng. st&iJonery. IT
aning ar￿ matyrl*$
4,037
8.93F
io.ns
É3$
1Q.047
210
2.a55
8,937
10.n5
836
9.750
9.224
202
eNd￿'S
ChatrtiB5
1.787
2.547
1297
30.023
30.023
197
26B
236
20.652
84nk thaigpsend miscdlan8ou$
268
236
Tolal PayM•nts
MEf RECEIPTSI (PAYIIENTSI
TRAIISFERS bètw&ÈThfuhd$
84.710
56,010
CASH FUPIDS bM¥d l January
CASH FUNDS clFwd 21 DwmbF
48Y.889
13.1
1.742
A45,572
42
,449
STAIENENTOF ASSETs￿D L14BILmES
HSBCcvrr6nt8ccount
HSBC L4P51ll8ss accDunt
CcLAPtri￿1￿ntt
cCLAder￿￿ifu￿d
ChurchB5 MulualCr8dit Un
uldprfs irnwesl
F IURCI InYeslm&Thtacct
Tothl mon•tsry
127.515
2.153
228,466
127.515
2.153
228.468
101,204
15,194
98.794
2$2.755
IW.226
2,744
2.OOQ
29.239
12A50
29.299
33.086
GfftAid recovérabk•
￿en￿debtorS
xsots u$¢dforthurrh purpDs•5
Li#b•itl•J
CWue$tM)tde4red at31.12
PRO%￿Dbyth¥ ¢bu￿h hdd on 4•f.-I IJL1 a￿S￿￿ed0￿ behalf

ST ANOREVI'S FROGNAL U141TED REFORMED CHURCH
Page 2
Fln*n¢i*l sta18m￿ts for th8 y88rondinu 31.12.22
NOTES
1 ACCOUNTING POLICIES
The finartial Stat￿¢￿1$ have beeD pfepar￿ in accordanGewith the Chardies A¢1 2011, using
the Recapls and Payments basis availabk to gmall chariliè$, and the United Refomied Church guid8n¢e
2 FUNO ACCOUNTING
Unrestricted Funds may be used by the church forAny ofits tydin&ry Wfwse5.
Balance
Retapts
Payments
In year £
107,440
4.610
Fund name & purp¢str.
Trgnsfers
loi yÈar£
Balan
Congregalk)nal fund
Legacy fund
113.613
374,276
97,277
1.000
123.782
388,666
Tota15 for unre5trfcted lunds
487.889
102,830
98,277
492,448
De8ignaled Funds represent unresifthd funds Sel 88ide by the church for specificdesignated purposes, they
¢8n ￿ Iranslerred b¥k Into g&n¢r¥l fund¥ *the ¢hur¢h'$ ds¢i$ion.
Restricted lunds repfesent incomewhich may be expended only on those resiri¢ied ¢bJ8¢t8 pro¥vJed in the
terms ol a trust or beqvesl. 0rdonat￿n5 Of 9ran15 received or Inviied for a $pe¢rfi¢ puwose These funds Gan
be spent on the Spec￿¢ purp¢s¥forvthi¢h Ih¢yw$re given. Any balance rem8ining unspent mu$1 btr
carr￿￿ loNéard a5 a balance on that lund lor fulure expendit￿rE ￿ th81 sp8cifiG pu￿￿￿, or returned. Il cannot
be absorbed Into 9eTberal funds.
Funth name & purp05e.'
Organ and choirfund
Balance
Re¢*pts
In y8ar£
r6
P2ymEnts
8alan
for year £
10.812
B How trainin9 fund
Charities fund
Total8 for rost￿Cled
1.977
458
13.853
-103
1,329
236
1,787
2.023
i.e38
12,450
Th15Y&ar
2022
Toial £
Lastyear
2021
T¢ptsl £
¢61￿¢d
Funds£
3 IAOWIES PAID TO OUTSIDE CAUSES
Chnslian Aid
T￿$sell Tru51
1,148
796
256
60
185
LoThdon Refugee Resp)nse Fund
Marie Curie hospice
Christian Solidarity Wort[￿￿12
DEC P8ki*an Appeal
Cri$1$ UK
URC Commitment lor lrfe
Total
76
123
1.000
147
330
2.947
147
1.297
4 MONETARY ASSETS
Rest￿Cle￿ fund& 3re ￿01 held In 3opat*e *¢ounis, bul for ¢onv¢nvance are shown underlhe CMCU aGCOUnl.
In pla¢1￿e Inieie$i and Invesimenl g8in$ or10sges are pro rata'd etross 811 furth.
S ASSETS USED FOR CHURCH PURPOSES
The Tfusiees ol the ctturch and manse buildings are the URC Thames North sync￿ Tru* who upon
IFu51 lorpurw5es ConT￿led wrth Sl Andiews FropTh>l URC. For Insurance pU￿oseS the church buiklings are
insured for £18.8m ¥nd thtrunteni$ for £144.000
The manse house 8nd garden a￿ Insured for £700.000, ref￿ling rebuiKI not 98le prKe IwhKh ¥48s e1.43ml

ST ANDREWS FROGNAL UNITED REFORMED CHURC
Flnancial 8tstèments foith• yearondln¥ 31.12.22
Pa9È 3
TREASLIAER'S STATEMENT
I have prepared the financial statements for the year ending 31 12.22
T J Steggles
10.3.23
Idatel
INDEPENDENT EXAM114ER'S REPORT
I report on the financial statements for Sl Andrws Frognal URC forthe year ending
31 12 22 85 sei out on pages 1 and 2.
RESp￿tIVe responslblllties
The church 15 ￿8￿nSIb￿ for the preparation of the fin3ncial staternenls. and considers that the audit
r4uirement of section 144121 of the Charli￿$ Act 2011 does not apply 11 Is my reswnsibility lo
slate, on the basis of prttedures SpeC￿led in the General Direct￿n$ given by the Ch8rty Commissioners
under ￿tion 145 of IheA¢t. whelhef particuLqr m8tters have come lo my attention.
Ba515 of Indtpendent Examiners roport
My examinatson was carr￿d out In accordance with the General Directions of the Chanty commiss￿￿er5
An èxamination includes a review of the 8¢countillg records kept by the church and a comp8fisDn of th8
awounl8 presented wlh those records It a150 Indude8 considerdlion of any unusual Items or disclosu
In the financial slalemènls, and seeking explanations concerning any su¢fv matters The procedures
undertaken do not provide 811 the eviden* that would be required In an audit. 8nd consequently I do not
expres5 an audrt opinion on the view given by the financial 51alemenis
Indopondent Examinfrrfs stst8ment
In connection with tny examin8ton, no matter has come lo my attention which
111 gives me reasonable trause to believe that In any material respects the requirements lo keep acu)unling
records in accordance with section 130 of th& 2011 Act, and to prepare aecouols whrh accord wth
Ithse records 8Trd comply ￿th the 8ccountsng iequiremenls of Ihe Act have not been m81," or
121 require, in Tlly opEn￿n, attention 10 be dTrwTr In order to enable È propef understsnding of the
accounts to be re8¢hed.
SvJned by itte Independent ExeM￿ner
date 51 i L)1 15
Name and &Jdre8s of the Independent Examinar..
11(Is r l
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