Bethel Temple of Praise
BETHEL 360°Finance Department
Budgeting • Reporting • Forecasting • Stewardship. A secure financial management workspace for leadership, finance operations, reporting, close management and long-range planning.
BETHEL 360° FINANCE
Secure Finance Access
Authorized finance and leadership personnel only.
Prototype: credentials and financial figures are demonstration data only. No password or finance data is transmitted.
Production architecture: Supabase Authentication → Role Authorization → Row Level Security → Finance Permissions → Audit Log.
Bethel 360° Finance
Finance Dashboard
FY 2026 • Through Aug 31 Financial Approver
Finance Dashboard
Executive financial position, performance, liquidity and close status.
Available Cash
$168.4K
▲ $12.6K vs prior month • View monthly cash →
Cash Reserve
$19.0K
Baptist Foundation
YTD Revenue
$421.7K
96.8% of plan
YTD Expenses
$386.3K
102.1% of plan
Operating Surplus
$35.4K
Positive YTD
DSCR
1.31x
Above 1.25x target
Budget Performance
YTD actual vs approved budget - prototype
Financial Attention
Items requiring finance review
| Item | Status | Exposure |
|---|---|---|
| Rental receivables | Review | $8,250 |
| Con Edison payment plans | Current | $12,480 |
| Mortgage allocation | Matched | Aug |
| Bank reconciliations | 2 Open | 8/31 |
| Adjusting entries | Pending | 4 |
12-Month Cash Outlook
Select a date range, scenario and drill to monthly detail.
Base Forecast$144K ending cash
Conservative$109K ending cash
Opportunity$181K ending cash
Month-End Close
August 2026
Close completion72%
| Bank recs | In Progress |
| AR review | Complete |
| Debt tie-out | Complete |
| Final approval | Waiting |
Debt & Liquidity
Prototype ratio monitoring
| Current Ratio | 1.72x |
| Debt / Assets | 38.4% |
| Liabilities / Assets | 42.1% |
| Unrestricted Cash Days | 118 |
| DSCR | 1.31x |
Finance Work Center
One-stop launch pad for recurring finance workflows.
B
Build Budget
Prepare assumptions, monthly budgets, versions and approval packages.
V
Variance Review
Investigate material budget vs actual variances and add explanations.
$
Reconcile Cash
Bank statements, GL balances, outstanding items and reserve balances.
AR
Review Rentals
Contract rent, collections, aging, security deposits and renter history.
D
Debt Schedules
Mortgage principal/interest, credit obligations and payment plans.
✓
Close Month
Complete reconciliations, adjustments, review, approval and period lock.
FS
Financial Statements
Generate management and lender-facing statements from approved data.
R
Report Library
Access recurring financial reports and downloadable packages.
Budget Management
Version-controlled annual budgeting at account × department × month level.
Current Version
FY27 D1
Draft 1
Revenue Budget
$692K
+6.1% vs FY26
Expense Budget
$641K
+4.8% vs FY26
Budget Surplus
$51K
7.4% margin
Contract Rent
$109.8K
2027 basis
Status
Draft
Finance preparation
Budget Assumptions
Add, edit, delete or update assumptions as the budget changes.
| Assumption | FY 2026 | FY 2027 Proposed | Method / Rule | Status | Actions |
|---|---|---|---|---|---|
| Pastor stipend | $36,000 | $36,000 | Flat unless approved change | Locked | |
| Maintenance | $6,000 | $6,000 | $500/month | Locked | |
| Rental revenue | Collection expectation | $109,800 | Contractual rent schedule | Applied | |
| Other income | Excluded | Excluded | Do not project unless instructed | Applied | |
| Utilities Nov-Mar | Seasonal | Seasonal | Average Jan + Feb invoices | Applied |
Prototype changes are stored only for the current browser session. Production will save to Supabase with version history and audit logging.
Detailed Cash Budget
Approved future-month cash budget presented by detailed inflow, outflow and cash-position line.
| Budget Line | Sep | Oct | Nov | Dec | 4-Month Budget |
|---|---|---|---|---|---|
| Cash Inflows | |||||
| Member Contributions | $36,000 | $37,000 | $38,000 | $42,000 | $153,000 |
| Prayer Breakfast | $0 | $0 | $0 | $0 | $0 |
| Convention | $0 | $4,500 | $0 | $0 | $4,500 |
| Summer Concert | $0 | $0 | $0 | $0 | $0 |
| Men's Fish Fry | $0 | $0 | $0 | $0 | $0 |
| General Fundraising | $2,500 | $2,000 | $2,500 | $3,000 | $10,000 |
| Rental Income | $8,650 | $8,950 | $9,150 | $9,150 | $35,900 |
| Other Contributions | $1,500 | $1,500 | $1,500 | $2,000 | $6,500 |
| Other / Interest Income | $500 | $500 | $500 | $500 | $2,000 |
| Total Cash Inflows | $49,150 | $54,450 | $51,650 | $56,650 | $211,900 |
| Cash Outflows | |||||
| Bank Service Charges | $250 | $250 | $250 | $250 | $1,000 |
| Pastor Allowance / Stipend | $3,000 | $3,000 | $3,000 | $3,000 | $12,000 |
| Musicians | $2,400 | $2,400 | $2,400 | $2,400 | $9,600 |
| Speaker Offerings | $800 | $1,000 | $800 | $1,000 | $3,600 |
| Tithes / Partnership Giving | $3,500 | $3,600 | $3,700 | $4,000 | $14,800 |
| Gifts / Benevolence / Ministry Support | $1,800 | $1,800 | $2,000 | $2,200 | $7,800 |
| Dues & Subscriptions | $550 | $550 | $550 | $550 | $2,200 |
| Insurance | $2,200 | $2,200 | $2,200 | $2,200 | $8,800 |
| Printing & Reproduction | $500 | $600 | $500 | $700 | $2,300 |
| Professional / Consulting Fees | $2,000 | $2,000 | $2,000 | $2,000 | $8,000 |
| Telephone / Internet | $1,100 | $1,100 | $1,100 | $1,100 | $4,400 |
| Food Pantry | $1,800 | $1,800 | $1,800 | $1,800 | $7,200 |
| Office Supplies | $650 | $650 | $700 | $700 | $2,700 |
| Fixtures & Equipment | $1,000 | $1,500 | $1,000 | $1,000 | $4,500 |
| Software | $900 | $900 | $900 | $900 | $3,600 |
| Office Expense | $650 | $650 | $650 | $650 | $2,600 |
| Computer Expense | $500 | $500 | $500 | $500 | $2,000 |
| Utilities | $4,680 | $5,210 | $6,430 | $7,200 | $23,520 |
| Building & Grounds Maintenance | $500 | $500 | $500 | $500 | $2,000 |
| Taxes / Permits | $400 | $400 | $400 | $400 | $1,600 |
| Other Operating / Miscellaneous | $3,600 | $3,800 | $3,800 | $4,000 | $15,200 |
| Mortgage Payment | $7,410 | $7,410 | $7,410 | $7,410 | $29,640 |
| Legacy Credit Card Minimums | $1,200 | $1,200 | $1,200 | $1,200 | $4,800 |
| Con Edison Payment Plans | $1,600 | $1,600 | $1,600 | $1,600 | $6,400 |
| Total Cash Outflows | $42,990 | $44,620 | $45,390 | $47,260 | $180,260 |
| Cash Position | |||||
| Opening Cash | $168,400 | $174,560 | $184,390 | $190,650 | - |
| Cash Inflows | $49,150 | $54,450 | $51,650 | $56,650 | $211,900 |
| Cash Outflows | $42,990 | $44,620 | $45,390 | $47,260 | $180,260 |
| Ending Cash | $174,560 | $184,390 | $190,650 | $200,040 | - |
| Liquidity Flag | Adequate | Adequate | Adequate | Adequate | |
Budget Category Manager
Create, organize, and maintain budget/reporting categories and their account assignments.
Budget Categories
Select a category to edit its setup and account assignments.
Category
Manage category configuration.
Assigned Accounts
Unassign or move an account to a different category.
Available Accounts
Assign an existing account or create a new chart-of-account entry for this prototype.
Account
Type
Assigned To
Action
Forecasting
Rolling 12-month cash forecast and multi-year financial outlook.
Scenario Outlook
| Scenario | 12M Ending Cash | DSCR |
|---|---|---|
| Conservative → | $109K | 1.18x |
| Base → | $144K | 1.31x |
| Opportunity → | $181K | 1.46x |
Projection Horizon
| Year | Revenue | Expenses | Surplus |
|---|---|---|---|
| 2027 → | $692K | $641K | $51K |
| 2028 → | $718K | $660K | $58K |
| 2029 → | $746K | $681K | $65K |
Detailed Rolling Cash Forecast
Jan-Aug are closed actuals. Sep-Dec begin with budget and are editable forecast months.
Actual YTD Inflows
$341,700
Jan-Aug actual
Future Forecast Inflows
$211,900
Sep-Dec editable
FY Forecast Inflows
$553,600
Actual + forecast
FY Forecast Net Cash
$25,710
Inflows less outflows
| Forecast Line | Jan-Aug Actual | Sep Forecast | Oct Forecast | Nov Forecast | Dec Forecast | FY Forecast |
|---|---|---|---|---|---|---|
| Cash Inflows | ||||||
| Member Contributions | $239,600 | $392,600 | ||||
| Prayer Breakfast | $4,100 | $4,100 | ||||
| Convention | $5,600 | $10,100 | ||||
| Summer Concert | $3,850 | $3,850 | ||||
| Men's Fish Fry | $2,900 | $2,900 | ||||
| General Fundraising | $7,000 | $17,000 | ||||
| Rental Income | $63,200 | $99,100 | ||||
| Other Contributions | $14,000 | $20,500 | ||||
| Other / Interest Income | $1,450 | $3,450 | ||||
| Total Cash Inflows | $341,700 | $49,150 | $54,450 | $51,650 | $56,650 | $553,600 |
| Cash Outflows | ||||||
| Bank Service Charges | $1,600 | $2,600 | ||||
| Pastor Allowance / Stipend | $24,000 | $36,000 | ||||
| Musicians | $19,200 | $28,800 | ||||
| Speaker Offerings | $6,400 | $10,000 | ||||
| Tithes / Partnership Giving | $28,000 | $42,800 | ||||
| Gifts / Benevolence / Ministry Support | $14,400 | $22,200 | ||||
| Dues & Subscriptions | $4,400 | $6,600 | ||||
| Insurance | $17,650 | $26,450 | ||||
| Printing & Reproduction | $3,900 | $6,200 | ||||
| Professional / Consulting Fees | $16,000 | $24,000 | ||||
| Telephone / Internet | $8,800 | $13,200 | ||||
| Food Pantry | $14,400 | $21,600 | ||||
| Office Supplies | $5,200 | $7,900 | ||||
| Fixtures & Equipment | $8,500 | $13,000 | ||||
| Software | $7,200 | $10,800 | ||||
| Office Expense | $5,200 | $7,800 | ||||
| Computer Expense | $4,000 | $6,000 | ||||
| Utilities | $41,580 | $65,100 | ||||
| Building & Grounds Maintenance | $3,520 | $5,520 | ||||
| Taxes / Permits | $3,200 | $4,800 | ||||
| Other Operating / Miscellaneous | $28,800 | $44,000 | ||||
| Mortgage Payment | $59,280 | $88,920 | ||||
| Legacy Credit Card Minimums | $9,600 | $14,400 | ||||
| Con Edison Payment Plans | $12,800 | $19,200 | ||||
| Total Cash Outflows | $347,630 | $42,990 | $44,620 | $45,390 | $47,260 | $527,890 |
| Cash Position | ||||||
| Opening Cash | - | $168,400 | $174,560 | $184,390 | $190,650 | - |
| Cash Inflows | $341,700 | $49,150 | $54,450 | $51,650 | $56,650 | $553,600 |
| Cash Outflows | $347,630 | $42,990 | $44,620 | $45,390 | $47,260 | $527,890 |
| Ending Cash | - | $174,560 | $184,390 | $190,650 | $200,040 | - |
| Liquidity Flag | Adequate | Adequate | Adequate | Adequate | ||
Forecast rule: actual months are locked. Future months start from the approved cash budget above. Adjusting a future line changes only the forecast; it does not overwrite the approved budget.
BUDGET VS ACTUAL
Detailed Jan-Aug 2026 actual performance compared with the approved Jan-Aug cash budget.
2026 Budget vs Actual - Detailed Cash Basis
Budget YTD uses Jan-Aug monthly budget from the approved 2026 cash budget. Actual YTD uses the current prototype Jan-Aug actuals pending reconciled production data.
| Budget Category | Budget YTD | Actual YTD | Variance $ | Variance % | Status |
|---|---|---|---|---|---|
| Cash Inflows | |||||
| Member Contributions | $54,664 | $239,600 | $184,936 | 338.3% | Favorable |
| Prayer Breakfast | $5,886 | $4,100 | ($1,786) | -30.3% | Attention |
| Convention | $6,706 | $5,600 | ($1,106) | -16.5% | Attention |
| Summer Concert | $4,702 | $3,850 | ($852) | -18.1% | Attention |
| Men's Fish Fry | $3,636 | $2,900 | ($736) | -20.2% | Attention |
| General Fundraising | $0 | $7,000 | $7,000 | - | Favorable |
| Rental Income | $64,664 | $63,200 | ($1,464) | -2.3% | On Plan |
| Other Contributions | $0 | $14,000 | $14,000 | - | Favorable |
| Other / Interest Income | $336 | $1,450 | $1,114 | 331.5% | Favorable |
| Total Cash Inflows | $140,594 | $341,700 | $201,106 | 143.0% | |
| Cash Outflows | |||||
| Bank Service Charges | $168 | $1,600 | $1,432 | 852.4% | Attention |
| Pastor Allowance / Stipend | $24,000 | $24,000 | $0 | 0.0% | On Plan |
| Musicians | $12,000 | $19,200 | $7,200 | 60.0% | Attention |
| Speaker Offerings | $2,000 | $6,400 | $4,400 | 220.0% | Attention |
| Tithes / Partnership Giving | $1,600 | $28,000 | $26,400 | 1650.0% | Attention |
| Gifts / Benevolence / Ministry Support | $2,336 | $14,400 | $12,064 | 516.4% | Attention |
| Dues & Subscriptions | $2,664 | $4,400 | $1,736 | 65.2% | Attention |
| Insurance | $4,136 | $17,650 | $13,514 | 326.7% | Attention |
| Printing & Reproduction | $336 | $3,900 | $3,564 | 1060.7% | Attention |
| Professional / Consulting Fees | $6,800 | $16,000 | $9,200 | 135.3% | Attention |
| Telephone / Internet | $2,000 | $8,800 | $6,800 | 340.0% | Attention |
| Food Pantry | $1,664 | $14,400 | $12,736 | 765.4% | Attention |
| Office Supplies | $1,000 | $5,200 | $4,200 | 420.0% | Attention |
| Fixtures & Equipment | $1,336 | $8,500 | $7,164 | 536.2% | Attention |
| Software | $3,336 | $7,200 | $3,864 | 115.8% | Attention |
| Office Expense | $664 | $5,200 | $4,536 | 683.1% | Attention |
| Computer Expense | $3,336 | $4,000 | $664 | 19.9% | Attention |
| Utilities | $34,664 | $41,580 | $6,916 | 20.0% | Attention |
| Building & Grounds Maintenance | $8,000 | $3,520 | ($4,480) | -56.0% | Favorable |
| Taxes / Permits | $2,336 | $3,200 | $864 | 37.0% | Attention |
| Other Operating / Miscellaneous | $1,336 | $28,800 | $27,464 | 2055.7% | Attention |
| Mortgage Payment | $43,032 | $59,280 | $16,248 | 37.8% | Attention |
| Legacy Credit Card Minimums | $10,224 | $9,600 | ($624) | -6.1% | Favorable |
| Con Edison Payment Plans | $0 | $12,800 | $12,800 | - | Review |
| Total Cash Outflows | $168,968 | $347,630 | $178,662 | 105.7% | |
| Net Cash Surplus / (Deficit) | ($28,374) | ($5,930) | $22,444 | -79.1% | Favorable |
Alignment standard: Budget vs Actual now uses the same detailed category structure as Budget Detail and Forecast Detail. This keeps the financial workflow consistent from approved budget → actual performance → rolling forecast.
Prior Budget vs Current Budget
This section remains available for budget-version comparison. The detailed operating categories above now control the Budget vs Actual presentation.
Prior-vs-current budget comparison will use these same detailed categories when the prior approved budget version is loaded into the production database.
Cash Management
Monthly liquidity monitoring, bank reconciliation, reserve tracking and cash forecasting.
Beginning Cash - Aug
$155.8K
Operating + unrestricted
August Inflows
$71.4K
Contributions + rentals
August Outflows
$58.8K
Operating + debt service
Net Cash Change
$12.6K
Positive month
Ending Cash - Aug
$168.4K
Above internal floor
Cash Reserve
$19.0K
Baptist Foundation
Monthly Cash Management - 2026
Prototype layout. Beginning cash + inflows − outflows = ending cash. Reserve shown separately.
| Month | Beginning Cash | Cash Inflows | Cash Outflows | Net Change | Ending Cash | Reserve Balance | Total Liquidity | Status |
|---|---|---|---|---|---|---|---|---|
| January | $132,400 | $54,900 | $50,600 | $4,300 | $136,700 | $18,800 | $155,500 | Stable |
| February | $136,700 | $51,200 | $55,900 | ($4,700) | $132,000 | $18,820 | $150,820 | Monitor |
| March | $132,000 | $63,600 | $57,300 | $6,300 | $138,300 | $18,850 | $157,150 | Stable |
| April | $138,300 | $59,700 | $60,900 | ($1,200) | $137,100 | $18,880 | $155,980 | Monitor |
| May | $137,100 | $66,400 | $58,200 | $8,200 | $145,300 | $18,910 | $164,210 | Stable |
| June | $145,300 | $61,800 | $60,100 | $1,700 | $147,000 | $18,940 | $165,940 | Stable |
| July | $147,000 | $69,300 | $60,500 | $8,800 | $155,800 | $18,970 | $174,770 | Strong |
| August → | $155,800 | $71,400 | $58,800 | $12,600 | $168,400 | $19,000 | $187,400 | Strong |
Cash Movement by Source
August 2026 prototype composition
| Inflows | Amount |
|---|---|
| Contributions → | $52,900 |
| Rental collections → | $11,800 |
| Other approved receipts → | $6,700 |
| Total Inflows | $71,400 |
Cash Uses
August 2026 prototype composition
| Outflows | Amount |
|---|---|
| Operating expenses → | $39,600 |
| Mortgage / debt service → | $7,410 |
| Utilities & payment plans → | $6,290 |
| Capital / other cash uses → | $5,500 |
| Total Outflows | $58,800 |
Bank Reconciliation Snapshot
| Account | Statement Balance | GL Balance | Reconciling Items | Adjusted Balance | Status |
|---|---|---|---|---|---|
| Operating Checking • 2408 | $101,420 | $99,880 | $1,540 | $101,420 | Reconciled |
| Account • 4066 | $47,980 | $48,510 | ($530) | $47,980 | Review |
| Account • 5979 | $19,020 | $19,020 | $0 | $19,020 | Reconciled |
| Baptist Foundation Reserve | $19,000 | $19,000 | $0 | $19,000 | Reserve |
Cash Budget Detail
Monthly operating cash budget beneath the cash-position summary.
| Cash Budget Line | Sep | Oct | Nov | Dec | 4-Month Total |
|---|---|---|---|---|---|
| Beginning Cash | $168,400 | $164,160 | $158,890 | $152,600 | - |
| Contributions | $42,000 | $43,500 | $44,000 | $49,000 | $178,500 |
| Rental Collections | $8,650 | $8,950 | $9,150 | $9,150 | $35,900 |
| Other Approved Receipts | $2,500 | $3,000 | $2,500 | $4,000 | $12,000 |
| Total Cash Inflows | $53,150 | $55,450 | $55,650 | $62,150 | $226,400 |
| Operating Expenses | $38,300 | $39,100 | $40,200 | $42,000 | $159,600 |
| Mortgage / Debt Service | $7,410 | $7,410 | $7,410 | $7,410 | $29,640 |
| Utilities & Payment Plans | $4,680 | $5,210 | $6,430 | $7,200 | $23,520 |
| Capital / Other Cash Uses | $7,000 | $9,000 | $7,900 | $5,500 | $29,400 |
| Total Cash Outflows | $57,390 | $60,720 | $61,940 | $62,110 | $242,160 |
| Net Cash Flow | ($4,240) | ($5,270) | ($6,290) | $40 | ($15,760) |
| Ending Cash | $164,160 | $158,890 | $152,600 | $152,640 | - |
Production behavior: this schedule will pull opening bank balances, expected collections, budgeted operating disbursements, debt service, utility payment plans and approved capital uses to calculate monthly ending cash.
Cash Source Setup
Define which sources and uses appear in Cash Management and how accounts are grouped.
Cash Inflow Sources
| Source | Accounts / Rule | |
|---|---|---|
| Contributions | 4000-4099 | |
| Rental collections | 4200 Rental Revenue | |
| Other approved receipts | Selected approved receipts |
Cash Outflow Uses
| Use | Accounts / Rule | |
|---|---|---|
| Operating expenses | Operating expense accounts | |
| Mortgage / debt service | Mortgage principal + interest | |
| Utilities & payment plans | Con Edison operating + payment plans | |
| Capital / other cash uses | Selected capital uses |
Presentation Options
Accounts Receivable & Rentals
Contract rent, collections, aging, security deposits and renter performance.
| Renter | Contract Rent | Current Due | Past Due | Security Deposit | Status |
|---|---|---|---|---|---|
| New Church → | $1,300 | $0 | $0 | $1,300 | Current |
| Nortisha → | $2,000 | $2,000 | $1,400 | $1,400 | Review |
| Esther → | $1,200 | $0 | $0 | $1,200 | Current |
| Verona → | $1,400 | $1,400 | $4,200 | $1,400 | Past Due |
| Ghana → | $1,300 | $0 | $0 | $1,300 | Current |
| Maynor → | $1,800 | $0 | $0 | $1,800 | Current |
| Noel → | $750 | $0 | $0 | $750 | Current |
Debt Management
Mortgage, payment plans and financial obligations with annual payoff schedules.
Debt Summary
| Obligation | Balance | Status |
|---|---|---|
| Baptist Foundation Mortgage → | $742,000 | Current |
| Con Edison Payment Plans → | $12,480 | Scheduled |
| Credit Obligations → | $8,750 | Monitor |
Mortgage Allocation
| August payment | $7,410 |
| Principal | $2,380 |
| Interest expense | $5,030 |
| Statement tie-out | Matched |
Mortgage Payoff Schedule by Year
Illustrative schedule based on the prototype balance/payment assumptions. Production will use the actual mortgage amortization history and terms.
| Year | Beginning Balance | Payments | Principal | Interest | Ending Balance |
|---|---|---|---|---|---|
| 2026 | $742,000 | $29,640 | $9,700 | $19,940 | $732,300 |
| 2027 | $732,300 | $88,920 | $31,200 | $57,720 | $701,100 |
| 2028 | $701,100 | $88,920 | $33,600 | $55,320 | $667,500 |
| 2029 | $667,500 | $88,920 | $36,200 | $52,720 | $631,300 |
| 2030 | $631,300 | $88,920 | $39,000 | $49,920 | $592,300 |
| 2031 | $592,300 | $88,920 | $42,100 | $46,820 | $550,200 |
| 2032 | $550,200 | $88,920 | $45,400 | $43,520 | $504,800 |
| 2033 | $504,800 | $88,920 | $49,000 | $39,920 | $455,800 |
| 2034 | $455,800 | $88,920 | $52,900 | $36,020 | $402,900 |
| 2035 | $402,900 | $88,920 | $57,100 | $31,820 | $345,800 |
| 2036 | $345,800 | $88,920 | $61,700 | $27,220 | $284,100 |
| 2037 | $284,100 | $88,920 | $66,700 | $22,220 | $217,400 |
| 2038 | $217,400 | $88,920 | $72,100 | $16,820 | $145,300 |
| 2039 | $145,300 | $88,920 | $78,000 | $10,920 | $67,300 |
| 2040 | $67,300 | $70,100 | $67,300 | $2,800 | $0 |
Month-End Close
August 2026 close checklist, ownership, evidence and approval.
| Close Task | Owner | Due | Status | Evidence |
|---|---|---|---|---|
| Bank reconciliations | Finance | Sep 5 | In Progress | 2 of 3 completed |
| Credit card reconciliation | Finance | Sep 5 | Complete | Attached |
| Rental AR review | Finance | Sep 6 | Complete | Aging reviewed |
| Mortgage principal/interest | Finance | Sep 6 | Complete | Statement tied |
| Con Edison schedules | Finance | Sep 7 | In Progress | 1 account open |
| Adjusting entries | CFO | Sep 8 | Pending | 4 proposed |
| Financial statement review | CFO | Sep 9 | Waiting | After adjustments |
| Final close approval | Pastor Dalton | Sep 10 | Waiting | Restricted approval |
Financial Statements
Management and lender-facing reporting packages from approved data.
Statement of Financial Position
Assets, liabilities and net assets with management detail.
Statement of Activities
Current period and YTD revenue, expenses and change in net assets.
Statement of Cash Flows
Uses the approved Bethel master cash-flow presentation logic.
Management Financial Statements
Internal management package with statement detail, budget comparisons, cash, debt, AR, ratios and management notes.
Lender-Facing Package
Clean external package: SFP, Activities, Cash Flows and supporting footnotes only.
Reports Library
Recurring finance, stewardship, management and external reporting.
01
Monthly Management Package
Statements, KPIs, variances, cash, debt, AR and commentary.
02
Budget vs Actual
Monthly and YTD variance analysis with explanations.
03
Cash & Reserve Report
Bank balances, restricted/reserve funds and rolling liquidity.
04
Rental AR Aging
Renter balances, aging buckets, collections and security deposits.
05
Debt Dashboard
Mortgage, payment plans, principal/interest and payoff outlook.
06
Utility Schedule
Each Con Edison account, operating usage and payment-plan debt.
07
12-Month Cash Forecast
Monthly inflows, outflows, obligations and ending cash.
08
Lender Financial Package
External financial statements with supporting footnotes only.
Financial Ratios
Underwriting and financial-health monitoring with historical trends and interpretation.
DSCR
1.31x
Target ≥ 1.25x
Current Ratio
1.72x
Positive liquidity
Debt / Assets
38.4%
Monitor trend
Liabilities / Assets
42.1%
Monitor trend
Cash Days
118
Operating cushion
Operating Margin
8.4%
Positive YTD
Historical Ratio Trends
Prototype 2022-2026 trend display.
| Ratio | 2022 | 2023 | 2024 | 2025 | 2026 YTD | Interpretation |
|---|---|---|---|---|---|---|
| DSCR → | 1.08x | 1.16x | 1.22x | 1.27x | 1.31x | Improved debt-service coverage as operating cash generation strengthened. |
| Current Ratio → | 1.21x | 1.34x | 1.46x | 1.61x | 1.72x | Liquidity improved as current cash/assets increased relative to short-term obligations. |
| Debt / Assets → | 44.8% | 43.2% | 41.6% | 39.7% | 38.4% | Leverage declined as debt amortized and asset value remained stable. |
| Cash Days → | 72 | 84 | 96 | 109 | 118 | Cash reserves now cover a larger portion of average daily operating expenses. |
Financial Documents
Secure repository links for statements, schedules, invoices and close evidence.
| Document Type | Period | Owner | Status |
|---|---|---|---|
| Bank Statements | Aug 2026 | Finance | Filed |
| Mortgage Statement | Aug 2026 | Finance | Filed |
| Con Edison Statements | Aug 2026 | Finance | Partial |
| Close Support | Aug 2026 | CFO | In Progress |
Approvals & Audit Trail
Role-controlled financial approvals and immutable activity history.
Approval Authority
| User | Edit | Approve |
|---|---|---|
| Pastor Dalton Jenkins | Yes | Yes |
| Niki Munroe | Yes | No |
| Sophia Bell | Yes | No |
| Board Member | No | No |
Recent Audit Activity
| Action | User | Time |
|---|---|---|
| AR aging reviewed | Niki | Sep 10 |
| Mortgage allocation updated | Sophia | Sep 10 |
| Budget Draft 1 created | Dalton | Sep 9 |
| July period locked | Dalton | Aug 12 |