Cornerstone Financial Review
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Every dollar in, every major block out, ending at the year to date result. The bars foot exactly to the reported net.
Click any month for its detail. September covers the 1st to the 17th only.
Cumulative net. February's one-time block lifts the line, and the months since have spent it back down through zero.
Expenditures include the 9900 holding account, which still carries uncoded items.
Chase checking plus savings at each month end. This is the single most important chart on the page.
Recurring income less spending. The one-time February gifts are excluded so the underlying shape is visible.
Cumulative share of all contributions as givers are added largest first. The steeper the early climb, the more the church depends on very few households.
Where the dollars actually come from, by gift size band. A handful of very large gifts carry most of the total while most gifts are small.
Contribution accounts only. February carries the one-time block.
Names are hidden by default. This page is confidential either way.
Largest expense categories year to date. Click any bar to see its month by month trend and the payees inside it.
Expense payments only. Transfers and credit card payments are excluded, so this ties to spending rather than to money movement. Payments to individuals are masked by default, because staff pay should not sit open on a page that gets forwarded.
Campus results are only as good as the tagging behind them.
Year to date. Click a campus for its cost structure.
The income side is complete, so this view is reliable.
Net will move as the unallocated spending is assigned.
What we decided, where the numbers came from, and what is still open. Read this before quoting any campus figure.
Where a gift could be traced to a named donor, it was assigned to that donor's campus. The source of truth is the donor location sheet the church completed, which beats any earlier convention. Where the sheet said shared but Stripe or Planning Center named one specific campus, the specific campus won. 507 deposit and sales receipt lines were classed this way, including 313 lines worth $592,617 that had previously been split a different way.
Cash, Cash App and blank donor gifts cannot be traced to a person, so they were pooled and allocated 40 percent Lakeway, 40 percent Spicewood, 20 percent Fitzhugh. This replaced an earlier even thirds rule. $509,536 was moved this way through dated monthly journal entries tagged CSALLOC, so the allocation is visible, filterable and fully reversible. The underlying deposits keep their real coding.
All 1,282 contribution income lines for 2026 now carry a campus. Nothing sits in an unassigned bucket on the income side. One donor remains unresolved and 8 check deposits worth $11,967 are not yet matched to a giver.
Where a cost belongs to one campus by evidence, it was assigned there. Rent traced to Lakeway by continuity with the prior landlord. Signage to Spicewood. Where a cost is genuinely shared, such as staff, events and insurance, the same 40 / 40 / 20 split was applied. 769 transactions worth $740,957 were re-split on this basis.
of expense still carries no campus. QuickBooks holds no receipts on any location bound transaction, so utilities, internet, cleaning and a handful of contractor payments need the church to tell us which building they serve. 53 transactions are still on the retired even thirds split pending those answers.
Fitzhugh looks worse than it is and Spicewood looks better than it is, because unassigned spending has not yet landed on any campus. Do not present campus net income as final until the unallocated balance is worked down.
A certificate of deposit reads negative $514,640 because $250,000 of incoming wires in August were recorded against the asset rather than as revenue. Inventory of $56,030 is stale and the church holds no inventory. Two equity items from 2025 carry forward. These are recording issues, not missing money, and they are being corrected.
sits in 9900, an account used to park items awaiting an answer. It will move into real categories as the open questions below are cleared.
2025 is shown for shape only. Those books were never cleaned, so they carry the same coding problems this cleanup exists to fix. Do not quote a 2025 to 2026 variance to a board as though both sides were prepared the same way.
There is no budget loaded in QuickBooks for 2026, so no budget to actual view can be produced yet.
No closing date is set, so prior months remain editable. Setting one is a one minute change and is recommended once the cleanup closes.
Everything genuinely outstanding, with who it sits with. Red blocks the financials, amber affects accuracy, green is in motion.