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5 



## **%'/%1-21'$-35'"!1)'** 

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4 



## **/%1-21'&!/*-!'3-*&3'+0)Z'%-'%&"4#'&*#'** 

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## **,03"0)20,'0&!,0*'0-20))4#'0'-5$%W!,2"0!350*'0-'67'-50"1%-'8989'** 

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0 



## **)4,20,0*'2\-'/%1-214)'** 

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## **8N'-UGAA?G>']=HH;:A?>GQ'** 

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## **1*#(#,*(%&+)()"0"#)&12.&)-"&3"(.&"#4"4&56&4","0'".&7878&** 

## **9"#".(%&.","*!)+&:&!(30"#)&(,,2$#)&** 

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## **#$0'".&7&(,,2$#)&** 

|**.;<;=>?@ABC**|**7878**|**786D**|**#E?;**|
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## **#;?&H;<;=>?@&Q&A>FNO;P?@C&REH&7878&** 

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2 



## **."+".V"&(,,2$#)&&** 

|**.;<;=>?@ABC**|**7878**|**786D**|**#E?;**|
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1 



## **+$#4(3&+,-22%&+",$."&).$+)&'(#X&(,,2$#)&** 

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## **78K&)E?FG&F@@;?@&** 

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"" 



PENUEL BAPTIST CHURCH, CARMARTHEN
FINANCIAL STATEMENT FOR THE YEAR ENDED 31 DECEMBER 2020
GENERAL RECEIPTS & PAYMENT ACCOUNT
Receipts 1£)
2020
2019
Note
General giving
Other giving
Income tax recovered on gifts
Rents
Raised for other causes
BUW Grant
Transfers from No. 2 account
Clwb y Winllan balance
45150.56
1800.00
7207.29
13310.00
245.00
iooo.00
4382.46
243.28
43253.61
1320.00
6101.15
11680.00
1080.06
2000.00
484.94
0.00
Banking error
Received in error
Repayments
145.80
0.00
588.32
756.77
35.00
0.00
Total receipts
74072.71
66711.53
Payments l£}
2020
2019
Note
Costs of minister
Costs of other ministry
Other operational costs
Upkeep of chapel and houses
Amount passed to other causes
Gifts
Transfers to No. 2 account
Cheques cashed from 2018
COVID
31628.02
261.46
2673.46
18832.93
4635.00
0.00
592.51
0.00
4022.23
30158.45
2427.50
2335.17
10176.77
4778.06
390.00
150.00
210.00
0.00
io
li
12
13
14
Is
16
Banking error
Received in error
145.80
0.00
756.77
35.00
Total payments
62791.41
51417.72
Net receipts / (payments) for 2020
£11,281.30
Cash balance at 31 December 2019
Cash balance at 31 December 2020
£44,768.44
£56,049.74

NUMBER 2 ACCOUNT
Receipts 1£)
2020
2019
Note
Restricted giving
Transfers from church accounts
Use of chapel and vestry
Sunday school loose cash
Secure Trust Bank amount
0.00
243.28
0.00
0.00
4515.97
2595.00
650.00
200.00
16.35
0.00
15
17
Transferred in error
349.23
0.00
Total receipts
5108.48
3461.35
Payments l£}
2020
2019
Note
Sunday school expenses
Other expenses
Maintenance work
New computer
Towards COVID costs
0.00
0.00
2385.00
1299.00
349.23
778.67
210.00
0.00
0.00
0.00
18
19
19
Transferred in error
349.23
0.00
Total payments
4382.46
988.67
Net receipts / (payments) for 2020
£726.02
Cash balance at 31 December 2019
of which. church
of which, Sundayschool
of which. buildingfund
Cash balance at 31 December 2020
of which, Sundayschool
£4,444.41
£1.648.23
£411.18
£2.385.00
£5,170.43
£5,170.43

RESERVE ACCOUNT
Receipts 1£)
2020
2019
Note
Interest
30.56
30.50
Total receipts
30.56
30.50
Net receipts / (payments) for 2020
£30.56
Cash balance at 31 December 2019
Cash balance at 31 December 2020
£15,280.76
£15,311.32
DAVID HINDS AND CATHERINE JONES TRUST FUND
Receipts 1£)
2020
2019
Note
Interest
16.75
15.08
Total receipts
16.75
15.08
Net receipts / (payments) for 2020
£16.75
Cash balance at 31 December 2019
Cash balance at 31 December 2020
£2,094.02
£2,110.77

SUNDAY SCHOOL SECURE TRUST BANK ACCOUNT
Receipts 1£)
2020
2019
Note
Interest
26.58
59.16
Total receipts
26.58
59.16
Payments 1£)
2020
2019
Note
Transfer to No. 2 account
4515.97
500.00
17
Total payments
4515.97
51x1.00
Net receipts / Ipayments) for 2020
-£4,489.39
Cash balance at 31 December 2019
Cash balance at account closure
£4,489.39
£0.00

STATEMENT OF CASH ASSETS AND LIABILITIES AT 31 DECEMBER 2020
Cash assets (£1
2020
2019
Note
General current account
56049.74
Number 2 acc. Inow Sunday sch.) 5170.43
Reserve account
15311.32
Trust fund
2110.77
Sunday school account Iclosedl
0.00
44768.44
4444.41
15280.76
2094.02
4489.39
Total assets
£78,642.26
£71,077.02
20
Net increase on 2019- £7,565.24
Liabilities (£)
2020
2019
Note
Raised for other causes
Bible Society
Christians Against Poverty
Cylchgrawn Efengylaidd (Rhag 20191
0.00
0.00
0.00
365.00
63.00
17.40
Total liabilities
0.00
£445.40

NOTES TO THE ACCOUNTS
l. Basls of accounts
These accounts have been prepared on a 'receipts and payments, basis in
accordance with Section 133 Charities Act 2011.
2. General giving
Despite the pandemic, general giving increased in 2020. Growth was seen in giving
by bank transfer from £14,477.00 in 2019 to £33,233.70 in 2020.
3. Other giving
Restricted giving towards missionaries supported by Penuel [£1,800).
4. Income tax recovered on gifts
Received from HMRC via GiftAid Scheme.
5. Rents (£)
Rent for 18 Priory Street
Rent for 19 Priory Street
Rent for the chapel
Total rent in 2020
6435.00
6825.00
50.00
13310.IX)
6. Raised for other causes {£)
Baptist Mission Society
245.00
7. Transfers from No.2 account {£)
Towards maintenance work
For new computer
Towards COVID costs
2385.00
1299.00
349.23
(see note 181
(see note 191
(see note 191
Transferred in error
349.23
Total transfers
4382.46
8. Clwb y Winllan balance
Transfer of the balance of a bank account. which was held for the benefit of the
children of Penuel Church but outside of the church's control, which was closed in
2020.. £243.28

9. Repayments IÉ)
Repayment of salary overpayment
Repayment of utilities overpayment
Total repayments
571.11
17.21
588.32
10. Costs of minister 1£
January-march (pre Stewardship) (pensions Dec-marl (tax Dec-marl
Salary and housing allowance (Net) 5506.51
Arrears
loo.00
PAYE
914.60
National insurance
754.06
Employee pension contributions
193.21
Employer pension contributions
Round Sum travel allowance
Additional travel expenses
Camp expenses
Conference expenses
241.50
601.50
83.70
30.00
25.00
Paid in error
571.11
(see note 91
Aprll-December {Stewardshlp) {penslons Apr-Nov) (Tax Apr-Decl
Taxable pay
Taxable Christmas bonus
Taxable COVID bonus
Employee pension contributions
20316.87
250.00
500.00
372.56
Employer pension contributions
Direct travel expenses til Nov.
465.76
701.64
Total costs of minister
31628.02
11. Costs of other minlstry {£)
Guest preachers
Costs of Gobaith i Gymru service
160.00
101.46
Total costs of other ministry
261.46

12. Other operational costs (£)
New computer
Worship Extreme software
Other equipment
Printing paper
1299.00
127.21
184.15
19.99
(£1299 towards from No.21
Stewardship fees
CCLI Copyright
Mrs C Griffiths payroll invoice
440.65
190.28
101.40
Christmas books
Sunday school cards
Sunday school books
120.57
45.00
22.82
Quiz prize
Quiz hamper
Hampertothank No. 19
40.00
32.50
32.49
Cylchgrawn Efengylaidd (Dec 191
17.40
Total other operational costs
2673.46

13. Upkeep of chapel and houses 1£)
Cleaner
Pest control
Cleaning supplies
3120.00
696.00
23.17
Iwan Taylor
Scaffolding
Avery Electrics
Towy Works
Grass cutting
Richard Davies
Robin Bussell
6185.00
2090.00
486.60
276.97
145.00
105.00
90.00
Insurance of chapel
Insurance of houses
Lighting
Safety certificate5
Cornerstones invoices
Invoice for cleaning 18 Priory St
Fire extinguishers
Rawl plugs and post box
1791.59
366.59
262.71
224.80
126.00
120.00
56.34
25.47
Utility Warehouse
Welsh Water
BT
1890.54
234.96
24.19
Legal fees
492.00
Total upkeep costs
18832.93
(£2385 towards from No.21
14. Amount passed to other causes (£)
Operation Mobilisation
Bible Society
Christians Against Poverty
3000.00
365.00
63.00
(see note 3: £1800 towards)
Baptist Union of Wales
Baptist Mission Society
Carms & Cardigan Baptist Festival
858.00
245.00
104.00
(see note 6: £245 towards)
Total passed to other causes
4635.00

15. Transfers from church accounts {£)
Transferred in error
Clwb y Winllan balance
Total transfers
349.23
243.28
592.51
(see note 81
16. COVID (£)
As a result of the church's efforts to continue its provision during the pandemic,
particular costs were incurred as follows:
Mac Mini
Camera
Sound equipment
Monitor/screens
CDS, Copier, Capcard, Envelopes
Mouse and keyboard
Wire5
Channel box
Fogger
Zoom
Backup drive
Bracket
CCLI Streaming Licence
Smaller item5
Total COVID costs
1099.00
648.99
583.08
329.96
277.83
198.00
157.88
135.98
108.99
86.34
80.66
49.99
28.80
236.73
4022.23
(£349.23 towards from No.21
17. Sunday School Secure Trust Bank amount
£4,515.97 was transfered to the No.2 account after the Secure Trust Bank stopped
offering that kind of account.
18. Building fund monev
£18,832.93 was spent on the upkeep of the chapel and houses in 2020 (see note 131.
The total of the building fund1£2,3851 was transferred to contribute towards these
Costs.
19. Money reserved for the church's use in No.2 account
Before the pandemic, it was decided to buy a new computer to replace the old
laptop. The cost of this was £1,299. The remainder of the money in No.2 account
earmarked for church use1£349.231 was transferred to contribute towards the
additional costs of provision during the pandemic.
io

20. Total assets
In addition to the total cash assets held, the church has the following assets..
the church's premises (chapel, vestry, and burial ground l at Priory Street,
Carmarthen
contents Ifixtures, furniture, and equipment)
18 Priory Street. Carmarthen
19 Priory Street, Carmarthen
li


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