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2024-03-31-accounts

The Old Bank & Camelford Community Larder Annual General Meeting Chair’s Report 25[th] June 2024

The Old Bank, Camelford is a charity with community at its heart, we run and maintain a building in the main street of Camelford for the benefit of residents from Camelford and the surrounding area.

The building is hired out on a regular basis to all sorts of community groups and other businesses. Rates are kept as low as possible to ensure that all groups can use the building and that cost is not a barrier to residents accessing the building. However, the condition of the building deteriorated so much that we have not been able to hire out the building for most of the year. We were fortunate to be given a grant to undertake a fully building survey including electrical inspection. Sadly, both reports showed that the building was no longer fit for purpose. We have spent a considerable amount of time applying for numerous grants to undertake a full building refurbishment. We have been incredibly lucky to have been successful in receiving 2 significant grants to fund the project. Please have a look on our website for full details of all of our funders. This means that we will have a fully refurbed building in the middle of town that will be fully open for the first time in many years. We will be increasing the services we provide to include more cooking classes, a job club, quiz nights and a whole host of other activities.

The work of the community larder continues to increase with numbers of between 500 to 700 each week looking for help with food. We focus on food club which is a supported service for those who are struggling to buy food during the cost of living crisis. Saturday stock up is where we focus on fresh produce, and we often have a queue of up to 50 people when we open the doors. We continue to offer emergency food bags. As you can imagine, finding funding to support these projects is difficult but our trustee, Tina, works very hard applying for grants and has been successful in securing funding to allow this work to continue. We have also been able to offer a support fund, this has provided financial support for energy costs, emergency food, clothing, air fryers, slow cookers, hot water bottles and winter coats.

We continue to provide a community printing service and we are fortunate to have a volunteer who runs this for us. This brings in income which helps with the running costs of the building.

We have a fantastic number of volunteers who work very hard to support the charity. We have doubled our number of volunteers over the last year and our biggest thanks goes out to each and every one of them.

Current Account b/d

April 2023 May June July August September October November December Jan 24 February March totals
Income
Printing 595.87 392.40 0.00 0.00 466.27 147.67 325.31 335.13 299.84 410.48 2972.97
Room hire 390.00 0.00 0.00 0.00 420.00 895.00 1705.00
Saturdays for Fareshare 2024 283.00 321.00 525.00 797.00 0.00 554.00 961.00 675.00 263.00 1110.00 5489.00
donations 20.00 20.00 20.00 120.00 20.00 20.00 120.00 20.00 70.00 20.00 520.00 20.00 990.00
refunds 6.26 24.32 0.15 30.73
Food Club 280.00 182.00 219.00 614.00 0.00 297.00 700.00 431.00 147.00 396.00 3266.00
Camelford LC (food club) 2000.00 2000.00
Camelford LC (match funding) 2640.00 450.00 3090.00
Ocean Sanddham Ltd 120.00 120.00
Grant income
CC-Good Growth 6000.00 6000.00
Local Giving 500.00 500.00
Co-op 1000.00 2368.68 1116.89 4485.57
Cornwall Community
Foundation-food & support
5000.00 5000.00
CCF - refurbishment project 18000.00 18000.00
CCF - Health Improvement Fund 7000.00 7000.00
Duchy Health 5000.00 5000.00
CC Community Chest 500.00 500.00
Asda Foundation 600.00 900.00 1500.00
Surviving winter 2024 COL 5000.00 5000.00 10000.00
Smile Together (refurb project) 500.00 500.00
Morrisons Foundation 2000.00 2000.00
Totals Income 3012.13 999.72 18523.15 3504.00 2017.27 2767.67 1296.31 2388.68 7601.00 1461.13 7129.84 29448.37 80149.27

1

April 2023 May June July August September October November December Jan 24 February March totals
Expenditure
Rent & Building Ins 35.79 35.79 35.79 35.79 35.79 35.79 35.79 35.79 35.79 35.79 35.79 35.79 429.48
Business Rates (CC) 38.00 34.00 34.00 34.00 34.00 34.00 34.00 34.00 34.00 34.00 344.00
Utilities 205.01 217.19 263.19 331.84 231.42 231.42 231.42 626.20 588.40 601.39 50.42 510.57 4088.47
Building Maintenance 10.00 10.00 10.00 10.00 0.00 20.00 0.00 10.00 128.00 10.00 208.00
General 88.55 59.69 505.13 41.50 63.72 26.90 0.00 222.56 1008.05
Food Club 728.74 241.82 244.42 289.18 208.47 165.72 377.19 492.64 194.75 85.29 65.35 234.81 3328.38
Match funding 480.00 480.00
Grant Spending
Omicron Grant - Ofce & staf 50.97 85.98 39.99 39.99 20.00 327.60 312.62 164.43 104.49 69.48 0.00 1215.55
A4A Grant 895.10 1133.52 500.00 1207.85 1026.34 500.00 750.00 108.00 6120.81
Neighbourly 999.08 999.08
CC Winter fund 166.50 166.50
CCF-Surviving Winter 2023 448.93 2027.41 168.60 250.00 2894.94
Post Code Lottery 0.00
Asda Foundation 0.00
CC-Good Growth 4800.00 720.00 5520.00
Cornwall Community
Foundation-food & support
295.35 391.79 991.50 522.59 409.38 2610.61
CC Community Chest 67.28 478.38
Duchy Health 5000.00
Co-op
Local Giving
Surviving winter 2024 COL 652.09 1385.67 3905.74 3934.00
Refurbishment spend 10468.05
Morrisons Foundation 198.90 309.60

2

April 2023 May June July August September October November December Jan 24 February March totals
Total Expendure 2361.57 7777.42 1528.42 3565.57 2609.01 1593.24 2192.28 3605.94 2316.44 3303.53 4436.38 20523.78 55813.58
transfer to reserve a/c
Bought Fwd 27140.45 27791.01 21013.31 38008.04 37946.47 37354.73 38529.16 37633.19 36415.93 41700.49 39858.09 42551.55
suplus/defcite 650.56 -6777.70 16994.73 -61.57 -591.74 1174.43 -895.97 -1217.26 5284.56 -1842.40 2693.46 8924.59
Carried Fwd 27791.01 21013.31 38008.04 37946.47 37354.73 38529.16 37633.19 36415.93 41700.49 39858.09 42551.55 51476.14

3

Refurbishment Project

Name Receipt Spending Balance
Mar 24
Cornwall Comm
Foundation
18000.00
Horizon Home Care 9814.05
Smile Together 500.00
Asbestos Services 654.00
Totals for Month 18500.00 10468.05 8031.95

1

CCF-Health Improvement Fund

Received March
24
7000.00

1

Table 1

April 2023
Philip Halstead 340.00
We are with you 50.00
Total 390.00
May 2023
December Philip Halstead 420.00
March
Philip Halstead 315.00
We are with you 580.00
Total 895.00

1

Table 1

April May June July August September October November December Jan 24 Feb 24 Mar 24
Oil 377.02
Electric 135.00 135.00 181.00 181.00 181.00 181.00 181.00 514.00 514.00 514.00 32.22
Hosting 5.99 14.42 14.42 26.42 14.42 14.42 14.42 14.42 38.40 14.42 14.42 14.42
Wif - wildanet 36.00 36.00 36.00 36.00 36.00 36.00 36.00 36.00 36.00 36.00 36.00 36.00
wif - vodaphone 28.02 31.77 31.77 31.77
water 56.65 61.78 36.97 50.91
Monthly Total 205.01 217.19 263.19 331.84 231.42 231.42 231.42 626.20 588.40 601.39 50.42 510.57

1

Table 1

Apr 23
D & T Windows 10.00
Total 10.00
May
D&T Windows 10.00
June
D&T Windows 10.00
July
D&T Windows 10.00
August none
September
D & T Windows 20.00
October none
November
D & T Windows 10.00
December none
January
D & T Windows 20.00
Glowarm 108.00
Total 128.00
March
D & T Windows 10.00

1

General(not covered by grant funding)

April 2023
May
Viraj 88.55
June
Vista Print 26.46
Peck ish 20.25
Amazon 12.98
Total 59.69
July
Local Giving
membership
180.00
Amazon 6.00
Policy Bee 319.13
Total 505.13
August
St Kew Inn 41.50
September
Spar 28.12
Peck ish 33.35
Rebecca 2.25
Total 63.72
October
Hilltop Farm 26.90
Mar 24
Camelford Testing 65.60
Torch 156.96

1

Total 222.56

Local Giving r￿1 June 2023

Food Club

Date banked spent balance
(ring
fenced)
Opening Balance 2789.23
April 2023
Tesco 116.37
M&S 46.67
Asda 76.30
Asda 60.22
Sainsbury 43.90
Amazon 97.20
Amazon 51.90
Amazon 16.00
Asda 74.77
Asda 83.80
Asda 61.07
Camelford LC 2000.00
balancing fg 0.54
Monthly Total 2000.00 728.74
Balance 4060.49
May 2023
Spar 5.69
banking 280.00
Spar 4.95
Asda 48.34
Spar 4.95
Asda 49.59
Asda 68.50
Spar 5.50
Mark Edwards 37.80
Asda 16.50
Monthly Total 280.00 241.82

1

Date banked spent balance
(ring
fenced)
Balance 4098.67
June 2023
Amazon 83.52
Rogers 83.00
Melissa Northey 66.10
29th 182.00
Spar 1.82
Spar 3.30
Amazon 6.68
Monthly Total 182.00 244.42
Balance 4036.25
July 2023
15/7 219.00
Pets at Home 12.99
Peck ish 23.20
Spar 10.84
Spar 7.29
Peck ish 27.40
Asda 42.17
Spar 3.20
Jackki Lavender 20.00
Amazon 6.64
Amazon 33.99
Amazon 26.99
Amazon 12.50
Amazon 14.00
Amazon 11.99

2

Date banked spent balance
(ring
fenced)
Amazon 26.34
Spar 9.64
Totals 219.00 289.18
Balance 3966.07
August
Amazon 6.53
Amazon 13.99
Amazon 25.95
Amazon 21.23
Morrisons 23.78
Tesco 47.75
J Lavender 19.70
Cash (July & Aug) 514.00
Sainsbury 26.06
Spar 11.01
Spar 1.49
Spar 10.98
Donation RA
Greaves
100.00
Monthly Total 614 208.47
Balance 4371.6
September
Amazon 12.50
Spar 13.09
Home Bargains 24.92
Spar 2.96
Melissa Northey 52.50
Rebecca Shearing 59.75
Total 165.72 4205.88

3

Date banked spent balance
(ring
fenced)
October
Amazon 15.00
Amazon 23.99
Pets at Home 49.49
Mark Edwards 52.20
Latoya Dean 30.25
Melissa Northey 182.67
Amazon 17.50
Spar 6.09
banking 297.00
Totals 377.19 4125.69
November
Spar 16.50
Asda 56.89
Melissa Northey 385.35
Asda 33.90
Total 492.64 3633.05
December
Amazon 25.00
Spar 5.14
Spar 7.64
Melissa Northey 157.17
banking 700.00
Totals 700.00 194.95 20p adjustment on
front sheet to
balance
4138.1
January 2024
Spar 5.39
Hilltop 39.40

4

Date banked spent balance
(ring
fenced)
M Houle 40.50
Cash 431.00
Totals 431.00 85.29 4483.81
Feb 24
banking 147.00
Amazon 49.36
Amazon 15.99
Totals 147.00 65.35 4565.46
Mar 24
Banking 1/3 180.00
Amazon 11.42
Peck ish 30.00
Co op 6.35
Peck ish 17.15
Banking 6th 216.00
Spar 8.15
Amazon 17.97
M&S 17.40
Amazon 5.99
Muddy Paws 120.38
Totals 396.00 234.81 4726.65

5

COL-Cornwall Comm Surviving Winter 2024 - £8000 food, £2000 support fund

Recd Dec 2023-
£5000 another £5K
received Feb 2024
8000.00 Balance for
Food
2000.00 Balance for
support
Total balance
remaining
December
Malcolm Barnicutt 10.65
Asda 36.45
M&S 90.26
Tesco 40.80
Asda 90.87
Tesco 40.40
Costa 26.60
Tesco 37.80
farm foods 99.21
Melissa Northey 179.05
Monthly Total 652.09
Balances 7347.91 2000.00 9347.91
January
J Lavender 40.49
Melissa Northey 109.46
Melissa Northey 213.38
R Shearing 175.80
Melissa Northey 318.97
farm foods 100.72
Co op 50.00
Iceland 95.10 40.00
Melissa Northey 241.75
Monthly Totals 1295.67 90
Balances 6052.24 1910 7962.24
February
Melissa Northey 272.07
Melissa Northey 262.50
Cash 200.00
Sainsburys 89.15
Amazon 30.00
Asda 39.18
farm foods 49.50
Tesco 59.31
Asda 128.48

1

Recd Dec 2023-
£5000 another £5K
received Feb 2024
8000.00 Balance for
Food
2000.00 Balance for
support
Total balance
remaining
Asda 234.46
Cash 200.00
Asda 53.50
Asda 88.82
Cash 250.00
J Lavender 33.71
R Shearing 108.50
Mc Donalds 7.90
Mc Donalds 13.77
Lidl 49.01
Asda 59.36
Asda 115.44
Aldi 145.21
Tesco 178.32
Asda 193.03
Asda 210.04
Cash 100.00
Amazon 76.15
Asda 77.93
Melissa Northey 237.29
Asda 58.40
Cash 250.00
Spar 6.00
Amazon 12.50
Amazon 11.98
Amazon 4.23
Monthly Total 2816.59 1089.15
Balances 3235.65 820.85 4056.5
Mar 24
Spar 7.79
Asda 10.31
Camelford
Hardware
16.85
Melissa Northey 187.07
Melissa Northey 252.30
Melissa Northey 352.05
Melissa Northey 562.97

2

Recd Dec 2023-
£5000 another £5K
received Feb 2024
8000.00 Balance for
Food
2000.00 Balance for
support
Total balance
remaining
Co op 50.00
Cash 250.00
Tina Mc Grath 1620.07
farm foods 95.59
Aldi 33.80
Tesco 63.55
Cash 250.00
Melissa Northey 84.00
R Shearing 97.65
Monthly Total 3286.35 647.65
Balances -50.7 173.2 122.5

3

Duchy Health

received June ‘23 5000.00
Mar 24
Fairshare SW 5000.00
Balance 0.00

1

Fareshare 2024

in’s outs Total Ringfenced
May
Sats (banked) 283.00
June
Sats (banked) 321.00 604.00
July
Sats (banked) 525.00 1129.00
August
Sats (Jull & Aug) 797.00 1926.00
September
no banking 1926.00
October
Sats (September) 554.00 2480.00
December
Sats (nov & frst
half Dec)
961.00 3441.00
January 675.00 4116.00
February 263.00 4379.00
March
1st 310.00
6th 800.00
Totals 1110.00 5489.00

1

Match funding (ring fenced)

Spent Received
Jul 23 480.00 from good growth
2640.00 from Leisure Centre
Total Ring Fenced 3120.00
December 450.00 from Leisure Centre
Total Ring Fenced 3570.00
Jan 24
Paul Coombes
Electrical
480.00 3090.00
Feb 24
Masons Arms 250.00
Bal of SW 2023 63.38
Total Ring Fenced 3403.38
Transfer to refurb
project at start of
24/5 FY

1

Asda Foundation grant

Received Nov 22 Food/Pet Food/
Hyg products
Cooking
Ingredients
Volunteer Exp Utilities - Electric Ring fenced
Balance
700.00 300.00 1000.00
Jan 23
Amazon 29.98
Balance 670.02 300.00 970.02
Feb 23
Amazon 105.96
Pet Shop 126.76
Totals 232.72
Balance 437.30 300.00 737.30
Received Sept 23 600.00
New balance 1037.30 300.00 1337.30
Received Feb 24 500.00 200.00 200.00
Revised Balances
1537.30 300.00 200.00 200.00 2237.30

1

received September 2023

amount recd 2000.00 Balance
Jan 24
R Shearing 198.90 vol exp 1801.10
Feb 24
Melissa Northey 64.80 vol exp
R Shearing 244.80 vol exp
Total 309.60 1491.50

1

----- Start of picture text -----
Co-op
recd June 2023 4485.57
(1000) &
November
(2368.68) & March
2024 of £1116.89
----- End of picture text -----

1

National Lottery A4A Grant Staffing

recd March 22 10,000.00 Balance
Net Pay HMRC 1 less worry Self Employed Vol Expenses/
Training
Total
Oct 22 640.00 160.00 800.00 9200.00
Nov 22 500.63 125.00 625.63 8574.37
Dec 22 36.00 300.00 336.00 8238.37
Jan 23 715.35 178.80 18.00 375.00 1287.15 6951.22
Feb 23 317.80 79.60 18.00 415.40 6535.82
Mar 23 395.15 18.00 413.15 6122.67
Apr 23 98.60 18.00 250.00
190.10 47.40 291.00 895.10 5227.57
May 500.00 345.52
67.50
220.50 1133.52 4094.05
June
Ruth 250.00
Ruth 250.00 500.00 3594.05
July
Rebecca 291.60
Mark Edwards 101.25
Rebecca 315.00
Ruth Shearing 250.00
Ruth Shearing 250.00 1207.85 2386.20
August
Rebecca 334.64
Ruth Shearing 250.00
Ruth Shearing 250.00
M Northey 105.30
Mark Edwards 86.40 1026.34 1359.86
September
Ruth Shearing 250.00
Ruth Shearing 250.00 500.00 859.86
October
Ruth Shearing 750.00 109.86
Mar 24
SQ Reed 12.00
SQ Reed 12.00
SQ Reed 24.00
SQ Reed 24.00
SQ Reed 36.00 108.00 1.86

1

Omicrom grant - ring fenced for staffing & related costs

Cornwall Council 4000.00 Balance
Opening Balance 1670.25
April 2023
May
Amazon 47.48
Amazon 3.49
Total 50.97 1619.28
June
Homebase 36.00
Homebase 30.00
Amazon 19.98
Total 85.98 1533.3
July
Amazon 39.99 1493.31
August
Amazon 39.99 1453.32
September
Amazon 20.00 1433.32
October
Rebecca Shearing 327.60 1105.72
November
Peck ish 27.40
PRI 138.58
Amazon 11.78
Amazon 20.00
Amazon 35.88
Amazon 4.99
Amazon 17.13

1

Cornwall Council 4000.00 Balance
Amazon 11.69
Amazon 5.99
Amazon 39.18
Total 312.62 793.1
December
Amazon 17.98
Amazon 16.67
Amazon 17.10
Amazon 16.95
Argos 86.73
Spar 9.00
Total 164.43 628.67
January
Amazon 12.50
Amazon 82.99
Amazon 9.00
Total 104.49 524.18
February
Amazon 14.99
Amazon 6.50
Melissa Northey 47.99
Total 69.48 454.7

2

Table 1

Donations
April 2023
P Thomas 20.00
May
P Thomas 20.00
June
P Thomas 20.00
July
Camelford Walkers 100.00
P Thomas 20.00
Total 120.00
August
P Thomas 20.00
September
P Thomas 20.00
October
Camelford Walkers 100.00
P Thomas 20.00
Total 120.00
November
P Thomas 20.00
December
PR&PA Cotter 50.00
P Thomas 20.00
Total 70.00

1

Donations
January
P Thomas 20.00
February
W Praoline 150.00
Camelford Walkers 100.00
P Thomas 20.00
Masons Arms 250.00
Total 520.00
March
P Thomas 20.00

2

Cornwall Community Support Fund

recd June 2023 5120.00
2600.00 Food 2520.00 Support fund (includes £120
donation in
Aug)
June
Asda 154.65
Asda 75.05
Asda 65.65
Monthly Total 295.35
Balances 2304.65
July
Cash 100.00
Amazon 6.75
Amazon 10.80
Amazon 10.95
Asda 80.40
Farm Foods 63.36
Asda 74.45
Amazon 45.08
Monthly Total 246.71 145.08 391.79
Balances 2057.94 2374.92 4432.86
August
Asda 168.82 /
Rebecca Shearing 147.50 /
Rebecca Shearing 43.50 /
M&S 130.20 /
Farm Foods 60.31 /
M&S 66.60 /
Asda 78.79 /
TK Max 65.59 /
Tesco 52.00 /
Asda 128.19 /
Amazon 50.00 /
Monthly totals 426.52 564.98 991.50

1

recd June 2023 5120.00
2600.00 Food 2520.00 Support fund (includes £120
donation in
Aug)
Balances 1631.42 1809.94 3441.36
September
Sainsburys 70.20
J Lavender 30.00
Rebecca Shearing 190.59
Rebecca Shearing 231.80
Monthly totals 231.80 290.79 522.59
Balances 1399.62 1519.15 2918.77
October
Farm Foods 52.91
Asda 60.48
J Lavender 44.10
Amazon 25.16
Amazon 76.44
Lidl 37.09
Asda 50.04
Asda 63.16
Monthly totals 302.12 107.26 409.38
Balances 1097.50 1411.89 2509.39
November
Mark Edwards 43.20
ATM Cash 3/11 250.00
Rebecca Shearing 240.13
Melissa Northey 389.30
J Lavender 30.35
Hilltop 38.95
ATM Cash 28/11 250.00
Tesco 53.95
ATM Cash 22/11 250.00
ATM Cash 14/11 200.00

2

recd June 2023 5120.00
2600.00 Food 2520.00 Support fund (includes £120
donation in
Aug)
Aldi 53.71
Asda 196.60
Amazon 31.22
Totals 1077.41 950.00 2027.41
Balances 20.09 461.89 481.98
December
Spar 18.60
ATM Cash 6/12 150.00
Totals 18.60 150.00 168.60
Balances 1.49 311.89 313.38
January
ATM cash 12/1 250.00 63.38
February
transfer to match
funding
63.38 0.00

3

Cornwall Council Winter Fund

Recd March ‘23
Opening Balance
April 23
614.10
April 2023
Asda 25.43
Morrisons 128.30
Rebecca Shearing 171.00
Mark Edwards 54.00
Melissa Northey 23.40
Mark Edwards 46.80
Monthly Total 448.93
Balance 165.17
May
Rebecca Shearing 166.50
Balance -1.33

1

Neighbourly Winterfund (spend by 5/5/23)

recd March 2023
Balance 1000.00
Asda 125.28
Aldi 873.80
Total 999.08

1

CC-Good Growth

Recd June 2023 6000.00 Balance
May
Cornish Property
Practice
4800.00
June
1200.00
July
Paul Coombs 720.00 480.00
Transfer to Match
Funding budget
480.00 0.00

1

Community Chest

recd June 2023 for
food
500.00 Balance
November
asda 67.28
Monthly Total 67.28 432.72
December
Melissa Northey 167.27 /
Melissa Northey 82.28 /
Melissa Northey 228.83 /
Monthly Total 478.38 0.00

1

CHARITY COMMISSION Independent examiner's report on the FOR ENGLAND AND WALES accounts Seclion A Independent Examiner's Report Roport to the trustees The Old Bank Camelford On accounts for Ihe year 31¥E March 2024 •nded Charity no 1171931 (If any) S6t out on pages I report to the trustees on my examinatlon of the accounts of th8 above charity ("Ihe Trust") for the year ended 3110312024. R•sponsibilitlas and ba818 of report As the eharity's trustees, you are rosponsible for the prep8r8tlon of the accounts in accordance with the requlr•ments of the Chari116s Act 2011 1.the Act"). I report in respect of my ex8minalion of the Trust's accounts carried out under section 145 of the 2011 Act and in carrying out my examination, I have followed all the applicable Dire¢tion8 given by the Charity Commission under sethon 145{5)Ibl of the Act. Independent I have compiet8d my examination. I conflnn that no materfal rnatters have èxaminer's statomont come lo my attention in connection with the examinalion which gives me cause lo believe that in. any material respect.. the accounting records were not kept in accordance with sectlon 130 of the Charrties Act. or the accounts did not accord with the acwunling records.. or the a¢¢ounls did not comply wilh the applicable requirements nceming th6 form and content of accounts set out in the Charities (Accounts and Reportsl Regulations 2008 other than any requirément that the accounts give a 'true and fair view which is not a matter considér8d as part of an ind8p8ndenl examination. I have no concerns and have com8 across no other matters in connection with the examin8tion to which attention should be drawn in this report in order to enable a proper understandlng of the accounts to be reached. Date: f611111* Nama: Mrs Sarah Barker FCA Relevant professional ICAEW qualiflcatlon{8) or body (if any)". Address: No 7 Sportsmans Camelford IER Oct 2018

Comwall PL32 9QT Section B Disclosure Only complete if Ihe examiner needs to highlight material matters of concern Is88 CC32. Independent examination of charily accounts.. directions and guidance for examiners). Give here brief details of any items that the examiner wishe8 to dlsclose. IER Oct 2018