**REGISTERED CHARITY NUMBER:** **1128818** **Report of the Trustees and Un-audited Financial Statements for the Year Ended 31st December 2020 for** **The Parish of Beccles St. Michael’s and St. Luke’s** Christopher Punt MAAT Ashcroft, Mill Common Westhall , Suffolk IP19 8RF **The Parish of Beccles St. Michael’s and St. Luke’s** **Contents of the Financial Statements For the Year Ended 31[st] December 2020** ## **Page** |**Report of the Trustees**|**1 to 6**| |---|---| |**Independent Examiners Report**|**7**| |**Statement of Financial Activities**|**8**| |**Balance Sheet**|**9**| |**Notes to the Financial Statements**|**10 to 16**| |**Detailed Statement of Financial Activities**|**17 to 18**| **The Parish of Beccles St. Michael’s and** Page 1 ## **St. Luke’s** ## **Report of the Trustees For the Year Ended 31[st] December 2020** The trustees present their report with the financial statements of the charity for the year ended 31[st] December 2020. The trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard for Smaller Entities (the FRSSE) (effective 1[st] January 2015). ## **OBJECTIVES AND ACTIVITIES** Objectives and aims - St. Michael’s and St. Luke’s Parochial Church Council (PCC) has the responsibility of promoting in the ecclesiastical parish the whole mission of the Church, pastoral, evangelistic, social and ecumenical. It also has maintenance responsibilities for the Church buildings of St. Michael’s and the surrounding churchyard and the Church buildings of St. Luke’s. In planning the Church’s activities the members of the PCC kept n mind the Charity Commission’s guidance on public benefit. ## **RECTOR’S REPORT** Report from Revd Canon Rich Henderson Rector of Beccles, Priest in charge of Worlingham, North Cove and Barnby APCM 2021 Core Text Mark 12.28-31 One of the teachers of the law came and heard them debating. Noticing that Jesus had given them a good answer, he asked him, ‘Of all the commandments, which is the most important?’ ‘The most important one,’ answered Jesus, ‘is this: “Hear, O Israel: the Lord our God, the Lord is one. Love the Lord your God with all your heart and with all your soul and with all your mind and with all your strength.” The second is this: “Love your neighbour as yourself.” There is no commandment greater than these.’ As I sit down, take a breath and reflect on 2020, my initial response is, what an extraordinary year. From the outset of this report I want to say thank you everyone who has worked so hard to ensure that the parish has kept active and present during difficult times. The impact of COVID-19 on our shared life together has been challenging. Over and over again we have had to adapt what we did as church; the Lockdowns and restrictions affected us all in different ways and I am grateful for the love and support you have shown to each other. The year saw so many things have to stop completely or take on a new form. The loss of gathering in groups and particularly physically for worship, has at times been painful. We have seen the impact the virus has had on church and family members, losing people close to us and not being able to celebrate and mark their lives, or seeing individuals suffer, has I know for many of you, been a worrying time. It is against the backdrop of pain and isolation that we sought to respond. We have throughout 2020 tried to live out our mission statement of BEING GOOD NEWS, LIVING FAITH, SERVIING BECCLES AND VILLAGES, responding to the needs of the wider community. **The Parish of Beccles St. Michael’s and** Page 2 ## **St. Luke’s** ## **Report of the Trustees** ## **For the Year Ended 31[st] December 2020** This response included- - Weekly Lunch Club Delivery  Picnic Lunches for Children & Families  Foodbank  Parish Pantry Pop-up shop  Regular mailing updates  Continued contact with Schools & Care Homes  Pastoral care on the phone  Shopping for others  Memorial tree at St Michael’s  A flexible approach to worship & prayer  Zoom Coffee Mornings  Dwelling in the Word online  Activity Packs for Children  Increased use of Social media; YouTube, Facebook, Twitter & Instagram - Resources via the website  Youth contact and support - Uniform Bank  Harvest takeaway lunch - Online courses and groups  Online meetings The list goes on and I am so thankful to all who have made the mission and ministry of our parish life so vibrant. We should all be proud and thankful for what we have achieved together. Because of the way in which we have been church, our profile is raised across the town and villages, community leaders and funders have often turned to us as a first response. I hope we can continue to foster these key relationships in the future. As we have served others, we have received wider support and blessings. In the midst of a difficult year there were moments of celebration; September saw Mark Bee ordained Deacon and Doreen Page licensed as a Reader; I thank them both for their commitment to ministry with us. Personally, in November, I was thrilled to be appointed as an Honorary Canon at the Cathedral, a recognition of not just my ministry, but the ministry of us all. In the early summer Ben Edwards moved on for a year to the cathedral having served two years with us, we continue to hold Ben, Caroline and family in our prayers. Our churches only function well because of the people who serve and give of themselves. This last year the Staff Team of Phil Cudmore, Claire Kiddy, Mark Bee, Faith Darch, Doreen Page, Ellie Skerratt and Gillian Trinder have worked tirelessly in delivering the ministry of the parish with me. On so many occasions we have had to change things at the last minute and been flexible in what we have done. As Rural Dean, my focus has often been elsewhere, dealing with vacancies in other parishes, I can only do this additional work because we have such a good team locally. There has also been the continued support of our wider ministry team of Elders and Retired Clergy, whose wisdom and prayerfulness has been much appreciated. Thank you all. Our Churchwardens have shown resilience and dedication throughout the year, often responding to my last-minute ideas, with creativity and care. Thank you to Patrick Burke, Ian Hollingsworth, Fran Tuck, Roger Bennett, Peter Hobbs, Lynda Knights and Charles Detheridge. Both Ian and Patrick are stepping down as churchwardens this year and on behalf of all of us, I offer our thanks for their service to St Michael’s and the wider parish. Finance has been a major headache over the last twelve months and continues to be. The Beccles churches have seen a total loss of rental income that we relied on to run the activities of the parish. I would like to thank everyone who has responded so generously over the last twelve months, your giving has backed up so much of what we have been able to do. All churches have seen very few visitors and we had to cancel so many of our fundraising activities. Our finance team has continued to ensure we remained afloat and on top of the bills. Thank you, Jayne Hollingsworth, Judy Thacker, David Wilcock, Doreen Page, Margaret Page, Terri Gotts and all who deal with our accounts and banking. David Wilcock is stepping down as Treasurer for Worlingham at this APCM, thank you David for all you have brought to the role. Thanks go to all who have served on the PCC, to Kate Cracknell and Karen Hall our PCC Secretaries, Deanery Synod reps, Diocesan Synod, Christians Together, Electoral Roll Officers, Parish Safeguarding Officers, to all who have been part of the Junior Church team, Toddlers, Youthwork, Prayer & Small Groups, bellringers, flower arrangers, choir and musicians, cleaners, those who served as school governors, those who maintain our buildings and kept our churchyards beautiful, peaceful spaces. **The Parish of Beccles St. Michael’s and** Page 3 ## **St. Luke’s** ## **Report of the Trustees For the Year Ended 31[st] December 2020** The parish office has continued to be a hub for all our activities, I am grateful to all who administer and support all that we do. Doreen Page, Fran Tuck, Margaret Spratt and Gill Ley have continued to staff an efficient office throughout the year. I do want to mention specifically the huge amount of work that John and Sue Bailey have done at St Michael’s and Ron Tuck has done at St Luke’s. They have quietly got on with lots of maintenance tasks and improvements. Thank you all! Thanks also go to Phil Filer and the buildings committee at St Michael’s for overseeing the creation of our new open space and café area at the rear of the nave. We are seeing the long-term vision for a more flexible space become a reality. Out of 2020 has grown the desire to work together more as five churches. We have had fruitful Joint PCC meetings that have resulted in us seeking a new pastoral scheme. This is currently with the Church Commissioners and should come into being in the next few weeks. We will be one parish of Beccles with Worlingham, North Cove and Barnby. One PCC will administer the work of the parish and each church will have a separate Fabric & Finance Committee. Simplifying our governance will make us better able to serve together. It means that at this APCM we are electing one completely new PCC. Thanks you to all, who have served on the different PCCs in recent years. I do want to thank Kate Cracknell who is stepping down as PCC secretary for Beccles after many years in the role. The pandemic has shown us that church is more than buildings and worship more than services. Parish life and ministry beyond Covid will be very different, and I suspect, much less about meeting in a building at a particular time on a particular day. It will be more about meeting people where they are and sharing the Gospel in the world outside. Much more like the early church and the church in every era when it was at its best. I hope we can all embrace the changes and challenges that lie ahead. ‘The Values’ that I introduced at the October APCM will, I hope, give us all a vision of how to play our part in the life of God’s church in this place, the DNA of who we are and how we seek to be as church. **All Involved** - Everyone is included and valued, whoever they are. Everyone has a role to play. **Becoming Disciples** - Encouraging us to love and live more like Jesus. **Creating Community** - We will “be real” with each other - honest about the things we go through ourselves and to respond in a loving way to each other. Caring for each other enables us to care for our wider community too. **Doing Evangelism** – Being, as well as telling, the good news together. Giving other people the opportunity to learn about Jesus. **Encountering God** - Meeting with God. It is God who helps us and changes us. We are in good shape! We are ready for whatever lies ahead. We need to be open to how God wants us to be in these times, open to the Spirit and open to one another. As things change and take shape in a new way, we must be kind, patient, and forgiving as we cling on to the hope that is within us. Through our shared life together, whether gathered in church, online or at home we have embraced our Core Text, following Christ’s commandments to “Love God and Love our neighbour.” As we continue through 2021, I hope and pray that these will be the marks of how we are known, as individuals and as a new united single parish. One final note, thank you for all the support and encouragement you have given me. There have been times over the last twelve months when it has been tough, but each time someone has been on hand to help me focus. I thank God for each of you and all that He has planned for our future as church. May God bless you all, Revd Canon Rich Henderson Rector of Beccles Priest in charge of Worlingham, North Cove & Barnby **The Parish of Beccles St. Michael’s and** Page 4 **St. Luke’s** ## **Report of the Trustees For the Year Ended 31[st] December 2020** ## **FINANCIAL REVIEW** The charity achieved a deficit for the year of £28,031 (2019: surplus £24,586). This was after taking into account a realised loss of £2,837 on fixed asset investments, which results in a deficit of £25,194 on church operations. The charity’s fund balances at 31[st] December 2020 were £82,481 (2019: £110,513) and comprised unrestricted funds of £23,649 (2019: £374) and restricted funds of £58,833 (2019: £110,139). ## **Reserves Policy** Currently there is no reserve’s policy, the majority of the unrestricted fund is taken up by the Parish Share. A reserve policy would be made if the PCC became aware of any future specific liability requiring one. ## **STRUCTURE, GOVERNANCE AND MANAGEMENT** ## **Governing document** Parochial Church Council powers measure (1956) as amended and church representation rules. ## **Recruitment and appointment of new trustees** Trustees are appointed annually at the Annual General Meeting. Retiring trustees are eligible for re-election. Any vacancies arising, between the AGM’s may be filled by the committee. At the AGM following their appointment they will be eligible to stand for election as a trustee. ## **Induction and training of new trustees** Upon appointment an informal meeting with the new trustee is held to discuss the charity’s history and procedures. Training for trustees is arranged as and when required. ## **REFERENCE AND ADMINISTRATION DETAILS** ## **Registered Charity Number** 1128818 ## **Principal address** The Parish Office St. Luke’s Centre, 61 Rigbourne Hill, Beccles Suffolk NR34 9JQ **The Parish of Beccles St. Michael’s and** Page 5 ## **St. Luke’s** **Report of the Trustees For the Year Ended 31[st] December 2020** ## **REFERENCE AND ADMINISTRATION DETAILS Trustees** The Parish of Beccles Parochial Church Council consists of four Church Wardens, ten Elected Members, plus four Deanery Representatives and the Ex Officio Members. During the year the following served as members of the PCC: |**Chair**|Revd. Canon Richard Henderson| |---|---| |**Church Wardens**|Ian Hollingsworth| ||Patricia Burke| ||Fran Tuck| ||Roger Bennett| |**Elected Members**|Felicity Tate| ||Graham Smith| ||Phil Filer| ||Hayley Henderson| ||Michelle Prior| ||Becky Woods| ||Brenda Beaumont| ||Janet Baker| |**Deanery Synod Representatives**
Barry Darch|| ||Terri Gotts| ||Molly Martin| ||Caroline Smith| |**Ex-oficio**|Faith Darch (Reader)| ||Doreen Page (Reader)| ||Revd March Bee (Curate)| ||Revd Phil Cudmore (Curate)| ||Revd Claire Kiddy (Curate)| ||Jayne Hollingsworth (Treasurer)| ||Kate Cracknell (Secretary)| ## **Independent examiner** Christopher Punt MAAT Ashcroft Mill Common Westhall IP19 8RF ## **The Parish of Beccles St. Michael’s and** Page 6 ## **St. Luke’s** **Report of the Trustees For the Year Ended 31[st] December 2020** ## **REFERENCE AND ADMINISTRATION DETAILS Charitable Status** A parish within the Church of England and the Diocese of St. Edmundsbury and Ipswich. ## **Bankers** |Lloyds Bank plc|CCLA Fund Managers Ltd| |---|---| |47 London Road North|Senator House| |Lowestoft|85 Queen Victoria Street| |Sufolk|London| |NR32 1BL|EC4V 4ET| Approved by order of the board of trustees on and signed on its behalf by: Churchwardens **Independent Examiner’s Report to the Trustees of** Page 7 ## **The Parish of Beccles St. Michael’s and St. Luke’s** I report on the accounts for the year ended 31[st] December 2020 set out on pages eight to eighteen. ## **Respective responsibilities of trustees and examiner** The charity’s trustees are responsible for the preparation of the accounts. The charity’s trustees consider that an audit is not required for this year (under Section 144(2) of the Charities Act 2011 (the 2011 Act) and that an independent examination is required. It is my responsibility to: - examine the accounts under Section 145 of the 2011 Act - to follow the procedures laid down in the General Directions given by the Charity Commission (under Section 145(5)(b) of the 2011 Act) and - to state whether particular matters have come to my attention. ## **Basis of the independent examiner’s report** My examination was carried out in accordance with the General Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts and seeking explanations from you as trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently no opinion is given as to whether the accounts present a ‘true and fair view’ and the report is limited to those matters set out in the statements below. ## **Independent examiner’s statement** In connection with my examination, the following has come to my attention The accounting statements prepared on pages 8 to 18 represent the accounting affairs of the Parish of Beccles St. Luke’s and St. Michael’s Parochial Church Council for the year ending 31[st] December 2020. The accounting records were compiled using a transactional Microsoft Excel spreadsheet to trial balance level and underpin the PCC’s work and accounting statements for 2020. Christopher Punt MAAT Ashcroft Mill Common Westhall Suffolk IP19 8RF Th• P•rlsh of Beccl•• St Ilcha*l'$ & S¢ Luke'5 Slatsrnent of FIna￿l•l kll¥ltl•• for th• Y••r Ended 31 December 2020 31.12.20 Total nds 31.12.19 Totsl nds Unr•strl¢••d R•strl¢l•d fund5 INCOME ANO ENOOlhllENTS FROM c￿nal￿n$ and ￿garA￿S Charitabl• a¢tlvltl•s Church activitk?s 143.862 58.113 201.975 163,687 12.143 12.143 24,260 Other tr8dhg aCt￿rt￿$ Invostrn8nt In￿ 2.919 145 2.919 145 5,771 Totsl 159.070 58.113 217.182 193.718 EXPENOITURE ON Raising lund8 Ch•rltsbl• a¢lvlll•• Church artivit￿S 859 859 1.449 134.936 106,582 241,518 168.445 Tgtsl 13S.795 106,582 242.377 169,894 NET INCOMEIIEXPDENDITUREI 23,275 148.469 125.1941 23,824 Oth•r r•cognl••d yln•Uo••••1 G8ln811105sèsI on investftwnlsl a6seto 12.8371 (2.8371 782 N•t m¥¥•m•nt In fund• 23,275 151.3061 (28,0311 24,588 RECONCIUCATION OF FUNDS Totsl fund• brought forward 374 110.139 110.513 85,927 TOTAL FUNDS CARRIED FORWARD 110513 Th• notes lomi part of these fnonripl 5t#tewr*nts Tho Parlsh ol Beccles St 1￿Cha•1* & St P49•0 Balance Sheet lor the Year Ended 31 De¢ernber 2020 31.12.211 T4)t•l fundi 31.12.19 Total fvnds Unrg8tric*d R•¥trlct•d fvnd$ fvk)t¢$ FIXED ASSETS Tan9ble A$￿ts InveStft￿nts 5.045 9.253 5,045 9,253 10.408 14.298 14,298 10,408 CURRENT ASSETS Debtors Cash 8t bank 8nd In hand 10 12 12.250 11,398 12.250 55.932 44.534 100,105 23.648 44.534 68,182 100.105 CREDITORS Amvnts f8lling due onè y•#r NET CURRENT ASSETS 100 105 TOTAL ASSETS LESS CURRENT UABILITIES 23.648 58.833 82,481 110,513 T ASSETS 110 513 FUNDS Unrestriclod lund$ Re8trtct¢d fund$ 12 23,648 58,833 374 110.139 TOTAL FUND8 110513 Th6 fln8nAcL916taleThrto wJr• aFvrov•d by Ilk• Bo•* Ol Tft•t•o w 4d>)21 *•r• sw t￿ la b•W by.. Rogèr Bènnett. Trv8tee *B. J HollIngs￿rth - TNstèè The notes form port of thtsse T￿￿n￿l slaterTwJnts The Parlsh of B•¢¢l•s St Michael* & St Luke's P4811 Notes to th• Flnanclal Statsments fof the Y•ar End•d 31 December 2020 3. INVESTMENT INCOME 31.12.20 31.12.19 Inlerpsl and div*J8nd$ 145 276 4. TRUSTEEE REMUNEIIATION AND BENEFITS No Trustee$ recelved runwJnèrdtKJn or benefrts. 5. STAFF COSTS The average mnthty numberof eryloyees durin9 the yearwas as fob)w6'. 31.12.20 31.12.19 Slaff, i)chJdng Thwst Youlh Chjb EnpkJye8s No employees eIrn)￿rnnts excess of £60.000 InclLtded in wages and saLfjries is the PCC contr*iutA)n to tho Dioco$0 towanys th8 Pa￿ Admknlstrèlknn saLIry. 6. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES Unr••trlctsd fund¥ R•strlct¢d fund* Totsl nd• INCOME AND ENDOWMENTS FROM Donations and legaues Charltable •ctSvlll•• chU￿h 8CtNitie$ 90,492 72,918 163.410 24,260 24.260 Olher Irading activttlgs Investment Mc0￿ 5.771 276 5,771 276 Total 120.800 72.918 193,718 EXPENDITURE ON Raising lunds Ch¥Titabl• act5vlll•s Chuth actNitYas 1.449 1,449 140 210 168445 Total 141,6S9 28.235 169.894 NET INCOMEIIEXPENDITUREI Transfors b•lw••n fvnd8 -20.859 44,683 23.824 Other r•¢ognised galnsl{10ss•$1 Gainsllbsse81 on inVest￿nI assels 762 762 Th• Parlsh of Beccles St Ili¢haelts & St Luk•'$ Pag• 10 Notss lo th• Fin•ncial Stalgm•nts for the Y•ar Ended 31 December 2020 1. ACCOUNTING POLICIES Basi$ ol preparing the lti)ancial State￿￿nIS The financial statements of the charity have been prepared ￿ accordance with the ch81ities SORP IFRSSEI Accounling and R&porting by charl1￿$..state￿nt of RecxTrrrffi*nded PraCt￿e apPlUb￿ to chaiit*s preparing their accounls in accordance with the Finanaal Reporting Standard for Smallèr Enlrties {thg FRSSEI effective January 2015). the Charili8s Act 2011 and the Church Accounting RegulatK*ns 2006. The fin8nCAal siatgmgn18 have been prepafyd under the hislorral cost conventKJn ¥Mlh th8 exceplk)n of N)vesten￿nIS wh￿h arg included al Ma￿et Ve￿8, as rrKJdrf*d by the reva￿al￿)n of certoin assets. The f￿ana81 slatemgnts indude all transactions, assets and liabilit￿S for the PCC is ￿sponSIb￿ by Lgw. They do nol indude lh8 accounts of Church groups that ovm Iheir nkain 8ffiKation to another body, nor those that ar8 wifornal gatherings of the Church n*mbers. Incom• All In￿Me is ￿COgnised wi Iht Slaterr*nt ol Financial Activit*s onc8 the chanty has enli¢￿m￿ntS lo the funds. tt Is probabkn that the incoff• be rnc•rvad and the arnunt can be m•asured rnlkqbty. Expond5tur• LIabilit￿S are recognL8ed as expenditure as soon as there 15 a legal oi conslructfve obThgatk)n committing the charity lo that expendrture. it is probabk thal a Iransler of econonK bengfrts wil be TequKed in sett￿￿nt and th& amount ol Ihe oblvJalh)n can be Thasurnd raliabty. Expendrturn ts aceL)unted for on 8n accrugb basis and h8s been classifigd undèr headwigs Ih81 aggregate all cost related lo the calegory. ￿ere cLJsl$ cannot be direclly allrtiulgd to p8rtKulor he8ding9 they have be6n akncatod lo actNiti8s on a b8Si5 consislenl with the use of rg$ources. T•nglbl• Flx•d A•••ts D8pr8cialon L8 pffjv#Jed at the folknwing onnual rates in order lo write off eoch 88sel over Ms aslimaled useful Fixtures, frtting$ and equpTh￿nI - Slrab3hl over 4 yearn. T•xatlon The charfty Ss exempl 1￿M tax on lis chalit0b￿ actNi1￿3 Fund ac¢¢)untlng Unrestricted funds can be usod in acco￿anc• V*ith the thar*abl8 obieclive8 at the dl8crti1￿n of the IN8lees. Restricted lunds can onty be used for partKukqr rest￿4￿d pu￿0$08 V•ithn the obigCt8 of the th8rfty. ReslrictKsns artse vthen spg¢Yf*d by the donor or vthen fund$ are raised for part¢uL4r resttsted purpos8s. Further expLgnantion ol the nature and purpose ol oad) fund i% induded in the not8s to thè financAal state￿nts. 2. OTHER TRADING ACTIVITIES 31.12.20 31.12.19 Miscellaneous Bookstam Events Catering 2.919 5,771 2,919 The Parish of 8e¢¢les St Il¢ha•l¥ & St Luke P4•12 Nol•• to Flnanel•l Stsknments for th• Y•ar End•d 31 De¢¢mber 2020 6. COMPARAnvES FOR THE STATEME14T OF FINANCIAL ACTIVITIES . ¢¢xrflnu•d Unr•str5ct•d fvnd6 Rfrstrfcknd Tolal funds N•t mov•m•nt In fvnds PO,8591 45.445 24,586 RECONCILIAnoN OF FUNDS T¢)fal fvnd• brought forward 21.233 64,694 85.927 TOTAL FUNDS CARRIED FORWARD 374 110 139 110 513 7. INDEPENDE1￿ EXAMINERS REMUNeRAnON Ouring the year tho 1*8ity was tharyod £500 foi th• annual independent exa￿DalkIn. 8. TANGIBLE FIXED ASSETS Flxtw•s flttlry COST At 1 January 2020 and 31 Oecen*J•r 2020 41.634 DEPRECIAMON At 1 January 2020 Chorg8 lor year 134,9071 11,6821 At 31 Dgc•rrt)er 2020 NET BOOK VALUE Al 31 Oecember 2020 At 31 ￿¢¢￿￿er 2019 CoM•crat•d prop•rty and mov•EAe ¢hur¢h fvrnl•hlng• Conseeratsd 8nd ben8fiaal prDperty ol 8ny i8 not VI￿déd wi thè •&xunts In occordance *ith $1012 of the Charltkg8 Act 2011. vabb fuml8hings hekj by the vtsf and Church￿Iden$ on spgrial trust for Ihe PCC. 8nd ¥equire a lacutty lor dlsposal. arn aceovni¢d o¥ Inal￿nabkn propety unkss cons•crat8d. Thèy IY61ed on the church's inventory which can be inspeded 181 any reasonablè IWNI. For w101￿nab￿ pmpety acquirvd prior to 2001 there B in$uffic*nt cost nfomMIK)n 8¥aibb￿ and Ih¢refore such assets arn nol valuèd in th• accounts. Ittsn￿ affjuired since 1 January 2001 wll be caprtalise¢J and depr*ciat8d n Ihe acrK¢unts ovef their ant￿lp8t•d u8eful Ife. All expendtturg h)curnd k) th• yèar on ￿n8¢￿ted oi benefir3al buth1kng& ￿)d￿ll￿OI ur*der £1.000 01 on the r8p8ir ol ￿vabkn thurth lumlshlngs ac4]u*ed b8forn 1 January 2000 arw ¥•Tttten off. The Parish of B•¢cles St Mlcha•l* & St Luke Pag¢ 13 Notes to th• Flnan¢ial Ststem•nts the Year Ended 31 Decembgr 2020 9. FIXED ASSET INVESTMENTS Llstsd Inv•$trnents MARKET VALUE As 1 Janu8ry 2020 Di8posals Revaluat￿nS 10.408 11,155) Al 31 December2020 NET BOOK VALUE At 31 December 2019 At 31 0g¢en*)er 2020 Ther8 wer8 no Investment assets outsKlo the UK. Inv•*tm•nt holdlng• 2020 2019 Central Boanj of Finance of the Churth ol England Invest￿nI Fund COIF Charfty Funds {B8￿kn$ c￿1￿,$ P￿ce Chaiityl- 53.22 shares Sl. Edmundsbury & Ipswich Di)cesan Board ol Financ (Banham Fabric Fund Trusl1- 388 5haro5 St. E(JnMJndsbury & 1p$v￿h Dp)c8san Board of Flnane4 (R￿1881 Fobrc Fund Tru811- 3.000 sha￿$ 2.5% Consol for the Rector 3-1￿ W8r Stock for the Fab￿ Fund 2.5% Consol lof Ihe ChoSr Poors Pighlle, Hernitago and Bridge Street Lbyds Banking Group plc- 8 shaTes BP plc- 204 shargs Barclay$ pk - 2,316 sham8 O shares 959 901 6S7 657 3,000 3,000 723 723 519 962 10. DEBTORS.. AMOUNTS FALLING DUE ￿ThIN ONE YEAR 2020 2019 Other debtors (Grft Avj Rebate 2020) Th• Parish ofB•ccl*$ St Micha•l¥ & Sl Luke Notès to the Financlal Ststsments lorth• Year End•d 31 D¢¢em￿r 2020 11. CREOITORS: Amoupifs FALLING DUE IMTHIN ONE YEAR 31.12.20 31.12.19 Bank klans and overdrnfts Trade cr8ditors Olher ueditors 12. KL)VEMENT IN FUNDS N•t mov•ffi•nt In ￿ndfy Tr•n*f•r• b•lw•on funds At1.1.20 At 31.12.20 Unr••trSct•d fvnd• Genoral fund 374 23,275 (1.5591 22,090 R•8trl¢t•d fund CrgmatK)n plot Und6rc¥oft reordgr Olfertory bags Sl Mcha81s ResloTrlhJn appeal St Lukes Fabric Fund and Deveh)pThnt Charity lund Legac￿5 Legacy investm&nt lundlDepreo8tbn Organ Fees Musk Keyboard Sl Lukes Buikling and Devebpn*nl Si Mich?els Building and Development ChU￿h developrnnl fund Thirst youth group Christma5 logelh8r Johns reader Refurbishmfynt fund Womans Fekwship Get a Lrfe Gang Chihdrens Youth Worker Fund 1.405 1.405 7,558 7,558 10.408 4.000 6.744 54,499 12.8371 7,571 4.001 2,470 13,108 13,0601 142,2601 11,2141 868 8.838 (3,277) 5,558 127 (51,3061 500 1,559 110,139 60,391 TOTAL FUNDS The Parish of 8•ccles St IAl¢h•el* & St Luke's PwJe 15 Noto$ to Ihg Financial Slat•ments for the Year Ended 31 D•cemb•r 2020 12. MOVEMENT IN FUNDS - ¢¢)ntinued Nel movement in funds. induded n the abov8 arn as lolov+S'. Incomlng r•sour¢•$ R•$ource* expend•d Galns •nd los$•$ Mov•ment In funds Unr••trlct•d fund* Ggngral fund 159.070 {135.795) 23.275 •trlcknd fvrmls Resloralion appeal Fabr￿ lund St Luk&s D&velopm8nt St Michaels Devek)pm8nl Organ Fees mus￿JK0yboa[d SI M￿haeL% Boiler Church dev8bpn*nl lund Thirst youth group Childr8n$ Youth Woth8r Parish Share Womans Fellowship Get 8 Lrfe Gang Logacy investn￿nI fundlDeprnci•lKJn 13.063) (100.241) 13.0601 142.2601 57.982 (3.277) 13.2771 127 127 58.113 {106.582) 12,8371 151.3061 TOTAL FUNDS 217 182 242 377 The fabric funds are for tho repair and Ma￿*en8n¢fj ol the fobrk, fNturns and r￿ingS of the church buikjings The Sl.Micha8fs d9vebprr*nl lund 15 for the dgveh)pnwnl ol the fac￿1￿￿3 at St. Mth¥ef8 churth, including specifThlty Ihg thurch 8nd undercroft fixturns and rrtlings. Thg St. Luke's developThnt fund Is for the deveh)pm8nl of the fixiLtres and frttngs 81 St. Luko's Church and h811 conplex. The hoklings funds arg for either il fund5 await final classifKat￿fi or i) funds vthlch have been ffje•ived bul which do not bek)ng lo the PCC and a￿ hekl pending paY￿nt to Iheir iighfful benef￿lary. The l998cy investment fund was cre8led upon rtcemng shares as part of 8 bequèst and is to bg us*d for St. m￿haelS Church, B8cC￿S absokjlety. The Thir51 Youth Club fund was created upon suffo￿ County Councal vthhdrdwing from wnnlng youth clubs in the county. The fund was financed by donat￿n and grants form varDus lunders. Other rest￿ted funds are for the puo)ose described abov8. Thè Parish of B•ccl•s St Mi¢hael% & St Luk• Pau•16 Not¢$ to the Financial Statsm•nts lorthe Year End•d 31 o•c•m￿r 2020 13. RELATED PARTY DISCLOSURES There were no Trlaled party tJansactions. with the exceplh)n of Ihose nolèd in sal8f*s and expenses. for the year ended 31 sl December. 2020 nor the year ended 31st Dgcember 2019. The Parlsh of Beccles St Mlehaol's & St Luke's Page 17 Dètailed Statemènt of Financial Acllvltl•$ forth• Year End•d 31 Dec•mb•r 2020 31.12.20 31.12.19 INCOME AND ENDOhNENTS Donatlons and legaci•s Grft Daylsl DonatK>ns- General Grfl AKI Reclaimed IHMRCI Grants including FOSM CkJnat￿ns and LegaC￿S Gill - Planned GNing CollectKJns lopgn pL4lel Other inconp inc. MisS￿￿8ry Gprng. ￿Ms Scheme. Furknugh VAT CLqlm 12.039 12,232 29.247 57,447 62,449 8,387 14,307 27.955 20,180 33.900 62.577 15,301 3,497 201.975 163.410 Oth•r tr•dSng a¢￿VItI•• Miscellaneous Booksiall Evonls C8lerfng 2.919 5.771 2,919 5,771 Inv••lm•nt Incom• Inlerest and dNklends 145 276 Charlt•bl• •cUvltl•• Church lees Rent from knllkngs 5,594 11,904 12.143 24,260 Total Incomlng r•*our¢•• 217,182 193,718 EXPENDITURE Ral•lng dOna￿On$ •nd l•ga¢l• Catering Event8 Miscelan8ous 8S9 1.449 859 1,449 Charilabl• actlvltl•s Wages Insur8nce Te￿phOne and Intemet oirice Costs. postage ant1 sta￿nery Rent Missionary and charitable gpling I donations Parish Share Carried fowJrrJ This page does not fomi part ol the statutory fin8ncial staterrEnts 8.867 5.989 1,481 3.271 11,359 6.218 1.320 2,019 3.857 69,652 93,117 2.411 67,000 90,328 Parish of Beccl•s St •the￿•1'8 a st Luk• 18 D•lail•d Statsrn•nt d Flnanclal kll¥lll•s for the Y••f End•d 31 D•c•rnb•r 2020 31.12.20 31.12.19 Charltabl• actl¥lt5è5 Brought loNRrd Clergy èxpenses and feos S8rvKs CA)Sts Church Running, Utilities. Fab￿ makntènonce and R•slorat*)n EquiprY*nl, FLtMitU￿. Pknt and Mathinery Sundry Expenses and Fe8¥ Organ Mainien4nc4 L•858 ol PhotoCop￿r Arthrted Fees Rèstor4t*)n of St. Youth C￿b 93.It7 5.977 4,011 113,049 6.919 4.168 176 5,118 5,206 90,328 5,655 11,390 41.948 7,130 575 4.130 4,454 241.018 167,945 support ¢￿ts Gov•rn•n¢• Go•ts Accountancy and ￿981 fees Bank Tr•n$f?r 500 600 TOIBI r••ourc•• •xp•nd•d 242,377 169.894 N•t l•xp•ndltsJr•ySneorn• b•forn g•ln• *nd lo•••• 125,1941 23,824 R•alli•d r•¢ggnl••d galm and lo•••• Ro0lis•d gain￿(b)￿￿$1 on ¥￿t in¥estrMnts C2.8371 N•t l•xP•ndltur•yl￿Qrn• ThL8 pag8 dotr$ nol fomi p8rt of the ¥tatulory fmanci81 statgrrents **REGISTERED CHARITY NUMBER:** **1128818** **Report of the Trustees and Un-audited Financial Statements for the Year Ended 31st December 2020 for** **The Parish of Beccles St. Michael’s and St. Luke’s** Christopher Punt MAAT Ashcroft, Mill Common Westhall , Suffolk IP19 8RF **The Parish of Beccles St. Michael’s and St. Luke’s** **Contents of the Financial Statements For the Year Ended 31[st] December 2020** ## **Page** |**Report of the Trustees**|**1 to 6**| |---|---| |**Independent Examiners Report**|**7**| |**Statement of Financial Activities**|**8**| |**Balance Sheet**|**9**| |**Notes to the Financial Statements**|**10 to 16**| |**Detailed Statement of Financial Activities**|**17 to 18**| **The Parish of Beccles St. Michael’s and** Page 1 ## **St. Luke’s** ## **Report of the Trustees For the Year Ended 31[st] December 2020** The trustees present their report with the financial statements of the charity for the year ended 31[st] December 2020. The trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard for Smaller Entities (the FRSSE) (effective 1[st] January 2015). ## **OBJECTIVES AND ACTIVITIES** Objectives and aims - St. Michael’s and St. Luke’s Parochial Church Council (PCC) has the responsibility of promoting in the ecclesiastical parish the whole mission of the Church, pastoral, evangelistic, social and ecumenical. It also has maintenance responsibilities for the Church buildings of St. Michael’s and the surrounding churchyard and the Church buildings of St. Luke’s. In planning the Church’s activities the members of the PCC kept n mind the Charity Commission’s guidance on public benefit. ## **RECTOR’S REPORT** Report from Revd Canon Rich Henderson Rector of Beccles, Priest in charge of Worlingham, North Cove and Barnby APCM 2021 Core Text Mark 12.28-31 One of the teachers of the law came and heard them debating. Noticing that Jesus had given them a good answer, he asked him, ‘Of all the commandments, which is the most important?’ ‘The most important one,’ answered Jesus, ‘is this: “Hear, O Israel: the Lord our God, the Lord is one. Love the Lord your God with all your heart and with all your soul and with all your mind and with all your strength.” The second is this: “Love your neighbour as yourself.” There is no commandment greater than these.’ As I sit down, take a breath and reflect on 2020, my initial response is, what an extraordinary year. From the outset of this report I want to say thank you everyone who has worked so hard to ensure that the parish has kept active and present during difficult times. The impact of COVID-19 on our shared life together has been challenging. Over and over again we have had to adapt what we did as church; the Lockdowns and restrictions affected us all in different ways and I am grateful for the love and support you have shown to each other. The year saw so many things have to stop completely or take on a new form. The loss of gathering in groups and particularly physically for worship, has at times been painful. We have seen the impact the virus has had on church and family members, losing people close to us and not being able to celebrate and mark their lives, or seeing individuals suffer, has I know for many of you, been a worrying time. It is against the backdrop of pain and isolation that we sought to respond. We have throughout 2020 tried to live out our mission statement of BEING GOOD NEWS, LIVING FAITH, SERVIING BECCLES AND VILLAGES, responding to the needs of the wider community. **The Parish of Beccles St. Michael’s and** Page 2 ## **St. Luke’s** ## **Report of the Trustees** ## **For the Year Ended 31[st] December 2020** This response included- - Weekly Lunch Club Delivery  Picnic Lunches for Children & Families  Foodbank  Parish Pantry Pop-up shop  Regular mailing updates  Continued contact with Schools & Care Homes  Pastoral care on the phone  Shopping for others  Memorial tree at St Michael’s  A flexible approach to worship & prayer  Zoom Coffee Mornings  Dwelling in the Word online  Activity Packs for Children  Increased use of Social media; YouTube, Facebook, Twitter & Instagram - Resources via the website  Youth contact and support - Uniform Bank  Harvest takeaway lunch - Online courses and groups  Online meetings The list goes on and I am so thankful to all who have made the mission and ministry of our parish life so vibrant. We should all be proud and thankful for what we have achieved together. Because of the way in which we have been church, our profile is raised across the town and villages, community leaders and funders have often turned to us as a first response. I hope we can continue to foster these key relationships in the future. As we have served others, we have received wider support and blessings. In the midst of a difficult year there were moments of celebration; September saw Mark Bee ordained Deacon and Doreen Page licensed as a Reader; I thank them both for their commitment to ministry with us. Personally, in November, I was thrilled to be appointed as an Honorary Canon at the Cathedral, a recognition of not just my ministry, but the ministry of us all. In the early summer Ben Edwards moved on for a year to the cathedral having served two years with us, we continue to hold Ben, Caroline and family in our prayers. Our churches only function well because of the people who serve and give of themselves. This last year the Staff Team of Phil Cudmore, Claire Kiddy, Mark Bee, Faith Darch, Doreen Page, Ellie Skerratt and Gillian Trinder have worked tirelessly in delivering the ministry of the parish with me. On so many occasions we have had to change things at the last minute and been flexible in what we have done. As Rural Dean, my focus has often been elsewhere, dealing with vacancies in other parishes, I can only do this additional work because we have such a good team locally. There has also been the continued support of our wider ministry team of Elders and Retired Clergy, whose wisdom and prayerfulness has been much appreciated. Thank you all. Our Churchwardens have shown resilience and dedication throughout the year, often responding to my last-minute ideas, with creativity and care. Thank you to Patrick Burke, Ian Hollingsworth, Fran Tuck, Roger Bennett, Peter Hobbs, Lynda Knights and Charles Detheridge. Both Ian and Patrick are stepping down as churchwardens this year and on behalf of all of us, I offer our thanks for their service to St Michael’s and the wider parish. Finance has been a major headache over the last twelve months and continues to be. The Beccles churches have seen a total loss of rental income that we relied on to run the activities of the parish. I would like to thank everyone who has responded so generously over the last twelve months, your giving has backed up so much of what we have been able to do. All churches have seen very few visitors and we had to cancel so many of our fundraising activities. Our finance team has continued to ensure we remained afloat and on top of the bills. Thank you, Jayne Hollingsworth, Judy Thacker, David Wilcock, Doreen Page, Margaret Page, Terri Gotts and all who deal with our accounts and banking. David Wilcock is stepping down as Treasurer for Worlingham at this APCM, thank you David for all you have brought to the role. Thanks go to all who have served on the PCC, to Kate Cracknell and Karen Hall our PCC Secretaries, Deanery Synod reps, Diocesan Synod, Christians Together, Electoral Roll Officers, Parish Safeguarding Officers, to all who have been part of the Junior Church team, Toddlers, Youthwork, Prayer & Small Groups, bellringers, flower arrangers, choir and musicians, cleaners, those who served as school governors, those who maintain our buildings and kept our churchyards beautiful, peaceful spaces. **The Parish of Beccles St. Michael’s and** Page 3 ## **St. Luke’s** ## **Report of the Trustees For the Year Ended 31[st] December 2020** The parish office has continued to be a hub for all our activities, I am grateful to all who administer and support all that we do. Doreen Page, Fran Tuck, Margaret Spratt and Gill Ley have continued to staff an efficient office throughout the year. I do want to mention specifically the huge amount of work that John and Sue Bailey have done at St Michael’s and Ron Tuck has done at St Luke’s. They have quietly got on with lots of maintenance tasks and improvements. Thank you all! Thanks also go to Phil Filer and the buildings committee at St Michael’s for overseeing the creation of our new open space and café area at the rear of the nave. We are seeing the long-term vision for a more flexible space become a reality. Out of 2020 has grown the desire to work together more as five churches. We have had fruitful Joint PCC meetings that have resulted in us seeking a new pastoral scheme. This is currently with the Church Commissioners and should come into being in the next few weeks. We will be one parish of Beccles with Worlingham, North Cove and Barnby. One PCC will administer the work of the parish and each church will have a separate Fabric & Finance Committee. Simplifying our governance will make us better able to serve together. It means that at this APCM we are electing one completely new PCC. Thanks you to all, who have served on the different PCCs in recent years. I do want to thank Kate Cracknell who is stepping down as PCC secretary for Beccles after many years in the role. The pandemic has shown us that church is more than buildings and worship more than services. Parish life and ministry beyond Covid will be very different, and I suspect, much less about meeting in a building at a particular time on a particular day. It will be more about meeting people where they are and sharing the Gospel in the world outside. Much more like the early church and the church in every era when it was at its best. I hope we can all embrace the changes and challenges that lie ahead. ‘The Values’ that I introduced at the October APCM will, I hope, give us all a vision of how to play our part in the life of God’s church in this place, the DNA of who we are and how we seek to be as church. **All Involved** - Everyone is included and valued, whoever they are. Everyone has a role to play. **Becoming Disciples** - Encouraging us to love and live more like Jesus. **Creating Community** - We will “be real” with each other - honest about the things we go through ourselves and to respond in a loving way to each other. Caring for each other enables us to care for our wider community too. **Doing Evangelism** – Being, as well as telling, the good news together. Giving other people the opportunity to learn about Jesus. **Encountering God** - Meeting with God. It is God who helps us and changes us. We are in good shape! We are ready for whatever lies ahead. We need to be open to how God wants us to be in these times, open to the Spirit and open to one another. As things change and take shape in a new way, we must be kind, patient, and forgiving as we cling on to the hope that is within us. Through our shared life together, whether gathered in church, online or at home we have embraced our Core Text, following Christ’s commandments to “Love God and Love our neighbour.” As we continue through 2021, I hope and pray that these will be the marks of how we are known, as individuals and as a new united single parish. One final note, thank you for all the support and encouragement you have given me. There have been times over the last twelve months when it has been tough, but each time someone has been on hand to help me focus. I thank God for each of you and all that He has planned for our future as church. May God bless you all, Revd Canon Rich Henderson Rector of Beccles Priest in charge of Worlingham, North Cove & Barnby **The Parish of Beccles St. Michael’s and** Page 4 **St. Luke’s** ## **Report of the Trustees For the Year Ended 31[st] December 2020** ## **FINANCIAL REVIEW** The charity achieved a deficit for the year of £28,031 (2019: surplus £24,586). This was after taking into account a realised loss of £2,837 on fixed asset investments, which results in a deficit of £25,194 on church operations. The charity’s fund balances at 31[st] December 2020 were £82,481 (2019: £110,513) and comprised unrestricted funds of £23,649 (2019: £374) and restricted funds of £58,833 (2019: £110,139). ## **Reserves Policy** Currently there is no reserve’s policy, the majority of the unrestricted fund is taken up by the Parish Share. A reserve policy would be made if the PCC became aware of any future specific liability requiring one. ## **STRUCTURE, GOVERNANCE AND MANAGEMENT** ## **Governing document** Parochial Church Council powers measure (1956) as amended and church representation rules. ## **Recruitment and appointment of new trustees** Trustees are appointed annually at the Annual General Meeting. Retiring trustees are eligible for re-election. Any vacancies arising, between the AGM’s may be filled by the committee. At the AGM following their appointment they will be eligible to stand for election as a trustee. ## **Induction and training of new trustees** Upon appointment an informal meeting with the new trustee is held to discuss the charity’s history and procedures. Training for trustees is arranged as and when required. ## **REFERENCE AND ADMINISTRATION DETAILS** ## **Registered Charity Number** 1128818 ## **Principal address** The Parish Office St. Luke’s Centre, 61 Rigbourne Hill, Beccles Suffolk NR34 9JQ **The Parish of Beccles St. Michael’s and** Page 5 ## **St. Luke’s** **Report of the Trustees For the Year Ended 31[st] December 2020** ## **REFERENCE AND ADMINISTRATION DETAILS Trustees** The Parish of Beccles Parochial Church Council consists of four Church Wardens, ten Elected Members, plus four Deanery Representatives and the Ex Officio Members. During the year the following served as members of the PCC: |**Chair**|Revd. Canon Richard Henderson| |---|---| |**Church Wardens**|Ian Hollingsworth| ||Patricia Burke| ||Fran Tuck| ||Roger Bennett| |**Elected Members**|Felicity Tate| ||Graham Smith| ||Phil Filer| ||Hayley Henderson| ||Michelle Prior| ||Becky Woods| ||Brenda Beaumont| ||Janet Baker| |**Deanery Synod Representatives**
Barry Darch|| ||Terri Gotts| ||Molly Martin| ||Caroline Smith| |**Ex-oficio**|Faith Darch (Reader)| ||Doreen Page (Reader)| ||Revd March Bee (Curate)| ||Revd Phil Cudmore (Curate)| ||Revd Claire Kiddy (Curate)| ||Jayne Hollingsworth (Treasurer)| ||Kate Cracknell (Secretary)| ## **Independent examiner** Christopher Punt MAAT Ashcroft Mill Common Westhall IP19 8RF ## **The Parish of Beccles St. Michael’s and** Page 6 ## **St. Luke’s** **Report of the Trustees For the Year Ended 31[st] December 2020** ## **REFERENCE AND ADMINISTRATION DETAILS Charitable Status** A parish within the Church of England and the Diocese of St. Edmundsbury and Ipswich. ## **Bankers** |Lloyds Bank plc|CCLA Fund Managers Ltd| |---|---| |47 London Road North|Senator House| |Lowestoft|85 Queen Victoria Street| |Sufolk|London| |NR32 1BL|EC4V 4ET| Approved by order of the board of trustees on and signed on its behalf by: Churchwardens **Independent Examiner’s Report to the Trustees of** Page 7 ## **The Parish of Beccles St. Michael’s and St. Luke’s** I report on the accounts for the year ended 31[st] December 2020 set out on pages eight to eighteen. ## **Respective responsibilities of trustees and examiner** The charity’s trustees are responsible for the preparation of the accounts. The charity’s trustees consider that an audit is not required for this year (under Section 144(2) of the Charities Act 2011 (the 2011 Act) and that an independent examination is required. It is my responsibility to: - examine the accounts under Section 145 of the 2011 Act - to follow the procedures laid down in the General Directions given by the Charity Commission (under Section 145(5)(b) of the 2011 Act) and - to state whether particular matters have come to my attention. ## **Basis of the independent examiner’s report** My examination was carried out in accordance with the General Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts and seeking explanations from you as trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently no opinion is given as to whether the accounts present a ‘true and fair view’ and the report is limited to those matters set out in the statements below. ## **Independent examiner’s statement** In connection with my examination, the following has come to my attention The accounting statements prepared on pages 8 to 18 represent the accounting affairs of the Parish of Beccles St. Luke’s and St. Michael’s Parochial Church Council for the year ending 31[st] December 2020. The accounting records were compiled using a transactional Microsoft Excel spreadsheet to trial balance level and underpin the PCC’s work and accounting statements for 2020. Christopher Punt MAAT Ashcroft Mill Common Westhall Suffolk IP19 8RF