St Keverne Parochial Church Council (the PCC) hereby presents its annual report for the year ended 31st December 2022. ## **REFERENCE and ADMINISTRATIVE INFORMATION** The PCC is the Parochial Church Council, for the Ecclesiastical Parish of, St Keverne, Cornwall in the Church of England Diocese of Truro (in the Archdeaconry of Cornwall and Deanery of Kerrier). The PCC is a corporate body established by the Church of England. The PCC operates under the Parochial Church Council Powers Measure (1956) as amended and the Church Representation Rules. The PCC is a charity, but generally excepted by order from registering with the Charity Commission. However, from 15[th] April 2009 it registered directly with the Charity Commission (registration number 1129138). In June 2016, the parish of St Keverne was joined in a United Benefice with the parishes of St Ruan w St Grade and Landewednack as The United Benefice of St Keverne, St Ruan w St Grade and Landewednack (the Benefice), for the purposes of licensing ministry. However, the PCC acts separately as registered charity ## **The Parish & Churches** The Church of England Parish of St Keverne covers an area on the eastern Lizard Peninsular in Cornwall including the villages of St Keverne, Coverack and surrounding areas including the hamlets of Porthallow, Porthoustock and Ponsongath. The Parish Church of St Keverne (Graded 1 Listed) is located in the Square, St Keverne. In addition, there is a second church, St Peter’s, situated in Mill Road in the village of Coverack. In addition to the two churches, the PCC owns two church Halls (in St Keverne and Coverack) and a three-bedroom house in Coverack. ## **Services** The main Services on Sunday services are at St Peter’s (9.30am) and St Keverne (11.00am) which comprise a mixture of Communion, Family Services and Morning Prayer. The numbers of those attending regular Sunday services have kept very steady throughout the year. On the fifth Sunday of the month the Churches of the Benefice join for a joint Benefice service and the three main churches (Landewednack, St Keverne and Ruan Minor) take it in turns to host the occasion. The Easter weekend services were very successful being enhanced by the creation of the cross on Coverack Beach and by a Carolaire Service at Coverack Harbour. In June 2022 it was our late Queen’s Platinum Jubilee and both churches celebrated with various events. There were beautiful flower arrangements and bunting, thanks to our wonderful volunteer arrangers. Flags were made by children of St Keverne School together Page 1 with a magnificent crown made by the toddler group. Reverend Deirdre led us in a Service of Songs of Praise on the morning of 5[th] June in St Keverne church, while St Peter’s went for an open-air service on the Battery in the afternoon, with a special anniversary tree planting performed by Dr Wort, and followed by tea and cake. We were blessed with good weather and the events were well attended and enjoyed. In September 2022 we sadly bid farewell to our beloved Queen Elizabeth II after 70 years of faithful service to our Nation. Both Churches opened their doors to those who wished to pay their respects and sign a condolence book in her memory. A Special Service of Commemoration was led by Reverend John Ough on Sunday the 18[th] September at St.Keverne Parish Church to which many people attended, and it was very moving. There have been other services held in our Churches throughout the year. We have had several funerals and weddings. During the year the Deanery Plan advanced to a stage where we were able to advertise and interview for the post of Rural Dean. Reverend Heidi Huntley has been appointed and her licensing is to be held on the 16[th] March 2023. This appointment marks the beginning of the pastoral reorganisation of the Kerrier Deanery. In December we were entertained with a Concert by the children at St Keverne School combined with a small Christingle Service. This year was particularly welcome as last year there had been a limit on those who could attend, but this year there was no such limit on those attending. On the 18[th] December both Churches (at different times) held a Service of Carols and Lessons. Christmas Eve held what threatens to become a tradition in St Keverne, with a time of singing carols around the Christmas Tree. Midnight Mass was held at St Peters and on Christmas Day morning services were held in both St Peters and St Keverne ## **The Parish Clergy** Mr Sam Buchannan and Dr Becca Greenough are licensed as Readers. Our Readers work with Retired Clergy who have the Bishop’s permission to officiate in the Diocese as well as a number of Lay Worship Leaders and Lay Pastoral Ministers. We are hugely assisted by Reverend John Ough, Reverend Deirdre Mackrill and Reverend Bob Dunnett and indeed none of the services listed above would have been possible without their dedication and help. ## **Churchwardens** During the year the Churchwardens for the Parish were - Miss Claire Thomson - Mrs Joan Kearsley jointly with - Mr Charles Patten Page 2 ## **Parochial Church Council** The APCM was held on Sunday 22nd May 2022 The Trustees (Members) of the PCC comprise: - a) Ex officio - the Clergy licensed to the Parish, - the Readers licensed to the Parish (at the invitation of the PCC) - the Parish Churchwardens, elected annually by the Annual Meeting of Parishioners (subject to a maximum consecutive term of six years) - such lay members of the Deanery Synod who are on the Electoral Roll of the Parish (Deanery Synod Representatives), elected triennially by the Annual Parochial Church Meeting (APCM) – currently a maximum of 3. - b) By direct election –up to 9 communicant lay members of the Electoral Roll, elected by the APCM for a period of three years (and thereafter eligible for re-election) At the time of this report, the Trustees comprised Name Basis of Appointment Mr John Wilks – Chairman Elected October 2020 Jointly with Mr David Dewar – Chairman Ex-officio (Deanery Synod Rep elected 2021) Revd. Deirdre Mackrill Ex-officio (Associate Minister) Mr Sam Buchanan Ex-officio (Reader) Dr Becca Greenough Ex-officio (Reader) Miss Claire Thomson Ex-officio (Churchwarden from May 2017) (also Hon Treasurer from May 2021) Mrs Joan Kearsley Ex-officio (joint Churchwarden with Charles Patten from October 2020) (Deanery Synod Rep); also Elected from April 2017 Mrs Kathy Ough Elected October 2020 (Secretary) Mr Charles Patten Elected from April 2017 (Charles Joint Churchwarden with Joan Kearsley from October 2020) Mrs Sandra Argall Elected from April 2018 re-elected 2020 Mrs Judy Wilks Ex-officio (Deanery Synod Rep elected 2020) Mrs Karen Richards Ex-officio (Safeguarding representative) Page 3 Mr Walter Sanger Elected May 2021 Mrs Sandra Argall is also our Stewardship Officer. The method of appointment of PCC members and the conduct of meetings of the PCC is set out in the Church Representation rules. All Church attendees are encouraged to register on the Electoral Roll and can stand for election to the PCC. The PCC is required to meet at least four times in the year, but normally meets about bimonthly. In 2022 there were 5 main meetings and 2 additional meetings for specific items. Deanery Synod Representatives are elected for a three-year term. They were last elected in 2020 and 2021. We are eligible to elect three representatives. This coming year is a revision year for the Deanery membership. ## **Objectives and Activities** St Keverne 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 Parish Church and Church Hall in St Keverne, and St Peter’s Church and Church Hall, Coverack and Church House, Coverack. The PCC is registered with the Charity Commission as a Religious Charity with the following activities: regular public worship open to all, the provision of sacred space for personal prayer and contemplation; pastoral work, visiting the sick and the bereaved; teaching and promotion of Christianity; taking of religious assemblies in schools; the provision of a youth club with a Christian ethos; promotion of the whole mission of the church and supporting other charities in the UK and overseas. ## **The Church** ## **Membership** At 31[st] December 2021, there were 89 parishioners on the Electoral Roll. Following the year end the Electoral Roll will be revised prior to the APCM. The church meets as two principal congregations, at St Keverne and St Peter’s. The worshipping congregations are probably around 50 people in total. ## **Policies & Compliance** ## **Safeguarding** The PCC has adopted a safeguarding policy in line with that recommended by the Diocese and appointed Mrs Karen Richard as Safeguarding Coordinator. The safeguarding policy can now be found on our Benefice Website, www.spireandlight.com. The PCC takes safeguarding seriously, and it is a standard agenda item for all our meetings. Page 4 ## **Health & Safety** The PCC is committed to complying with all relevant health & safety requirements. It is acknowledged that ancient buildings cannot be risk free, but we attempt to minimise risks. We record and respond to all adverse incidents. Mr S Buchanan is appointed as Health & Safety Officer. ## **Disability and Accessibility** The PCC seeks to make the church buildings, our services and activities as accessible to all as possible. We do not have formal wheelchair access to St Keverne, but informal access can usually be arranged, and we continue to investigate how this might be improved. Large Print service sheet are available, and gluten free wafers or bread are available at communion. We are grateful for any advice of particular needs and will always seek to accommodate if possible. ## **Data (GDPR)** The PCC is committed to complying with the requirements of the General Data Processing Regulations. ## **Ministries and Activities** St Keverne continues to be a busy parish, with ministries to old and young. Some of these are run directly by the churches and some in partnership with local groups ## **Life Events: Baptisms, Marriages & Funerals** Although church is less central in its communities than in the past, we are still used as a significant resource for celebrating births, marriages and for marking the death of loved ones. Much of this is for local residents, but we also welcome those from further afield who value the church buildings and fellowship. We are eternally grateful to Reverend John Ough and Reverend Deirdre Mackrill for their time and service. ## Actvites Despite a slow start following the Pandemic which still has an impact on activities we are pleased to say that Open the Book has progressed well in both St Keverne School and Coverack School. Little Fishes and the Table Tennis groups in Coverack continue with Joan Kearsley working very hard in organising an after-school cooking project for Coverack together with a slow cooker project to try and help those people who are finding the present financial crisis difficult. People have started to use the Church Halls again for various activities such as a Memory Café, Friday Fun Club, Keep Fit, Pilates etc. There have been one or two Church family lunches after Church organised. Bible Study/Home Groups have again started to flourish together with a new group in St.Keverne. Page 5 ## **Keeping Going** Alongside the ministries and activities, we are grateful to the small army of volunteers to work to maintain the church buildings and halls. ## St Peters Roof Work started during the year to repair the roof at St Peters, the nails on each tile showing the effects of years of being in the way of easterly gales. It was not absolutely certain at the beginning of the project how much this was going to cost and unfortunately the original estimate was too low and has cost us more than we had originally anticipated. However, the result is that by the end of the year St Peters is blessed with a properly sealed roof with no leaks and our thanks must go to Lizard Roofing for all their hard work. ## On the Way All the latest information concerning the reorganisation of our Deanery is now on our website spireandlight.com ## **Contact & Communication** A website for The Benefice of Spire and Light which includes St Keverne and St Peters has been created (spireandlight.com ) - the website contains up to date details of services held in all the Benefice Churches each week, and other important information and events, together with contact details. Thank you to Dr Rebecca Greenough for her hard work in creating and maintaining the website We also maintain pages on the national site ‘A Church Near You’ (www.achurchnearyou.com). Every week a Newsheet is circulated, containing details of services and events throughout the Benefice and a weekly reflection from one of our Retired Clergy or Readings. We also have a Facebook page, ## **Accounts** The accounts for the year ended December 2022 are attached to this report. My thanks are due to Jeremy McCabe for his help during the year, and to Sandie Argall for her assistance, especially regarding the administration of the Gift Aid tax reimbursement. Thanks, are also due to Mrs Linda Dunford of Messrs. Kitchen & Brown for the production of the accounts. ## **The Benefice and the Future** The Church has continued to build relationships between our congregations and this has expanded towards the other churches in our Deanery and will continue to be the case. Our normal pattern of worship and service was hugely disrupted through the problems and changes we have experienced over the last few years. However, a lot has been achieved and this would not have been possible without the enormous amount of help and assistance from Reverend John Ough and Reverend Deirdre Mackrill. Page 6 From the commencement of the Pandemic the Churches had been meeting via Zoom on a Sunday morning with Rev John Ough and Rev Deirdre Mackrill leading the services. After this finished Reverend John Ough and Reverend Deirdre continued to hold a Zoom service on Sunday evenings. However, the numbers steadily declined to one or two people as there were more services in churches and people felt able to go out and about, thus it was decided that this service would finish. ## And Finally As we go towards an APCM in May 2023 we continue to look towards a new future God has been good to us. Let us all go forward in love and praise. For I know the plans I have for you, declares the LORD, plans for welfare and not for evil, to give you a future and a hope. Claire Thomson (Churchwarden and Hon Treasurer) 8[th] May 2023 Page 7 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE ST KEVERNE CHURCH & ST PETER'S CHURCH COVERACK FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE ST KEVERNE CHURCH & ST PETER'S CHURC COVERACK CONTENTS General Information Independent Examiner's Report Financial Statements Notes to the Financial Statements PAROCHIAL CHURCH COUNCIL OF ST KEVERNE ST KEVERNE CHURCH & ST PETER'S CHURCH COVERACK FOR THE YEAR ENDED 31 DECF.IKBER 2022 GENERAL INFORMATION The PCC is a chaTlty with registered number 1129138. Bank Lloyds Bank PIC Inde ndent Examiner Mrs L Dunford Kit¢l)en and Brown Accountants Ltd 40 Coinagehall Street He15toii TR13 8EQ INDEPENDENT EXAMJNER?S REPORT TO THE PCC OF ST KEVERNE ST KEVERNE CHURCH & ST PETER'S CHURC COVERACK I report on the accounts of the PCC for the year ended 31 December 2022 which are set out on Pages I to 13. Respective responsibilitles of the PCC aDd tbe examiner The members of the PCC are responsible for the preparalion of the accounts. The memb¢rs of the PCC ¢onsider that an audit is not required for this year under seclion 144(2) of the Charities A¢t 2011 (the 2011 Act) and that an independ¢nt examination is needed. It is my responsibility to.. examine the accounts in a¢¢ordance with the Regulations and 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 slat¢ wh¢th¢r particular matters have com¢ to my attention. Basis of independent examiner's report My examination was carried out in accordance with the general Directions given by the Charity Commi$5ion. An examination includes a review of the accounting Tecords kept by the PCC and a comparison of the accounts prescnled with those records. It also includes consideration of any unusual items or disclosures in ihe accounts, and seeking explanations from you as members of the PCC concerning any such matters. The procedure5 undertaken do not provide all the evidence that would be required in an audit and, ¢ons¢quently, I do not express an audit opinion on the accounts. Independent exaxnlner's ststement In connection witli my examination. no Matter has come to my altention.. (l) which gives me reasonabl¢ ¢ause to believe that. in any material respect, the requirements- to keep accounting record5 in accordance wilh section 130 of the 2011 Act,. or to prepare accounts which accord with the accounting re¢ord5 and cotnply with the accounting r¢quirements of the 2011 Act have not been met. or {2) lo which, in my opinion. attention should be drawn in order to enable a proper understanding of the account5 to be reached. Mrs L Dunford FCCA Kitchen and Brown Accountants Ltd 40 Coinagehall Street HELSTON TR13 8EQ Date.. 13 June 2023 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE ST KEVERNE CHURCH & ST PETER'S CHURCH COVERACK FINANCIAL STATEMEI NTS FOR THE YEAR ENDED 31 DECEMBER 2022 General Fund - Recei Is and Pa ments A¢¢ount 2022 2021 RÉcei Volunt Recei Planned Giving Gift Aid Recovered Other Giving Collections Gift Days and Sundry Donations Collections for Outward Giving Legacies Grants- Dioces¢ Energy Fund 16,810 5,109 646 3,416 4,128 5,243 26,913 3,883 22,562 2,659 813 2,942 2,118 821 66,148 31,915 Activities for Generatin Fundraising Funds 421 560 Church Activities Church Hall Lettings Fees Solar Panels 3,862 7,433 503 1.912 8,315 1,304 11.798 11,531 Inc me from Investments Interest Received Wayleaves Church House Rent 409 50 12,000 12,411 6,135 6,188 Otlier Incotne Insurance Claim Contribution to Software Costs Contribution towards CopieT Leasing Costs 625 685 500 500 TOTAL RECEIPTS £91,463 £50,694 Page I PAROCHIAL CHURCH COUNCIL OF ST KEVERNE ST KEVERNE CHURCH & ST PETER?S CHURCH COVERACK FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 20221Continutd General Fund - Recei tsandPa men Accounvcontinued 2022 2021 Pu menÉs n Givin and Donations Missionary and Charitable Giving 7,961 588 Church Activilies Mission and Ministry Fund Loeum and Verger Costs Diocese Costs re Funerals, Memorials and Weddings Heating aiid Ligliting Cleaning Insurance Major Cliurch Repairs Church Repairs and Maintenanee (St Keverne and St Peter's) Church Hall Repairs and Maintenance (St Keverne and St Peter'5) Purchase of Fixed Asseis for Church Purposes Churcli House Repairs and Renewals Church Organ Repairs and Service Cost of Services Church Hall Running Expenses (St Keverne and Si Peter'sl Church House Running Expenses Beacon Magazine B Toadbaiid Costs Fundraising Costs 9,000 4,008 1,426 5.077 19 4,538 8,231 15,000 3.054 832 1,686 4.676 1,770 2,937 4,298 1.212 1,235 148 1,355 576 492 1,305 288 5,391 2,145 3,518 2,195 317 10 633 50,180 37,403 Church Mana ement and Adinii)islTation Accountancy Fees Administratioii Costs Copier Leasing and Costs 720 .412 720 2,401 2.724 2.132 5,845 TOTAL PA YMENTS £60,273 £43,836 Excess of Receipts over Payinent5 31,190 6,858 Balance Brought Forward at l January 2022 15,139 8,281 Balance Carried Fonvard at 31 December 2022 £46,329 £15.139 Page 2 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 20221Continued t Keverne - Bell and Tower Maintenance Fund Recei Is and Pa men Account- Restricted Fund 2022 2021 Recei Donations and Fundraising Income T&K Refund on Gift Aided Donations 120 55 ments Repairs and Maintenance 264 256 Excess of (Payments over Receipt5) (831 (253) Balance Brouglit Forward at l January 2022 1,224 1,477 Balance Carried Forward at 31 December 2022 £1,141 £1,224 Worshi Grou Fund Recei ts and Pa ments Account- Restricted Fund 2022 2021 Recei ments Excess of Receipts over Payments Balance Brought Forward at l January 2022 100 100 Balance Carried Forward at 31 D￿eMber 2022 £100 £100 ac of Louis Ward - Maintenance of St Keverne CliurGh and Church ard Fund Recei Account- Restricted Fund ts and Pa menls 2021 Recei Interest ments Excess of Receipts over Payments Balance Brought Fonvard at l January 2022 13.254 13,254 Balan¢¢ Carried Forward at 31 December 2022 £13,263 £13.254 Page 3 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 20221Continued St Keverne and Coverack Chur¢l) ard Recei tsandPa ments Account- Restricted Fund 2022 2021 Recei ts Burials and Headstones Donations and Grants 5,957 2,200 4,974 2,450 8,157 7,424 Pa ments Gr&s Cutting and Bins Water 7,341 116 6,494 96 7,457 6,590 Excess of Receipts over Payments 700 834 Balanee Brought Fon¥ard at l January 2022 7,306 6,472 Balance Carried Forward at 31 December 2022 £8,006 £7,306 St Keverne Youn Peo le's Club Recei ts and Pa ments Account - Restricted Fuiid 2022 2021 Recei Interest ments Excess of Receipis ov¢r Payments Balance Brought Forward at l January 2022 10,581 10,581 Balance Carried Forward at 31 December 2022 £10,588 £10,581 Page 4 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 20221Continued Little Fishes Recei ts and Pa ments Account- Restricted Fund 2022 2021 Re¢ei Subscriptions Donations 330 700 328 1,030 328 ments Provisions Sundry and Other Expenses 103 12 99 215 Excess of Receipts over Payments 815 217 Balance Brought Forward al l January 2022 2.639 2,422 Balan¢e Carried Forward at 31 December 2022 £3,454 £2,639 Coverack Luncheoii Club- RestTlCted Fund 2022 2021 Recei ts Lunclie5 Raffles Grants and Donation5 ments Meal and Food Costs Gift Cliaritable Giving Cookery Equipment and Other Expenses 27 80 276 32 139 276 Excess of {Payments over Receipts) {139) (276) Balance Brought Forward at l January 2022 1,461 1,737 Balance Carried Fon4fard al 31 December 2022 £1.322 £1,461 Page 5 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 20221Continued Secretarial and Administration Worker- Restricted Fund 2022 2021 Recei ments Pliotocopier Costs and Leasing 685 Excess of (Payinents over Receipts) (685) Balance Brought Forward at l January 2022 685 Balance Carried Forward at 31 December 2022 Le ac from Mr R Ho¢kin Maintenance and Re air of th¢ Fabric of St Keverne Parish Church - Restricted Fund 2022 2021 Recei Interest Pa ments Excess of Receipts over Payments Balance Brought Forward at l January 2022 5,000 5,000 Balance Carried Forward at 31 December 2022 £5,004 £5,000 Mr R Hockin Endowment Fund 2022 2021 Recei Interest Pa ments Ex¢e5s of Re¢eipts over Payments Balance Brought FoTward at l Jatluary 2022 10,015 10,009 Balance Carried Forward at 31 DeceinbeT 2022 £10,146 £10,015 Page 6 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEI MBER 20221Continued St Peter's Fund Restricted Fund 2022 2021 Recei Donations In¢ome Refund on Gifi Aid¢d Donations 4,816 920 11,804 5,736 11,804 Pa ments Roof Repair Costs (24,890) ExC￿S of (Payments over ReceiptsyReceipts over Payments (19,154) 11,804 Balance Brought Fonvard at l January 2022 19.154 7,350 Balance Carried Fonvard at 31 December 2022 £19,154 Page 7 PAROCHL4L CHURCH COUTr4CIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 20221Continued Statement of Assets and Liabilities al 31 December 2022 Total eneral Resiricied Endowment Fund Funds Fuftds Totals 2022 2021 Moiieiar Assels Barclays Bank Accounts Lloyds Bank Accounts Natwest Bank Account CBF Deposit Funds Cash 3,392 8,106 895 29,996 489 3,392 19.804 895 74,382 880 2,592 40,918 895 40,603 863 11,698 34,240 391 10,146 TOTAL MONETARY ASSETS £46,329 42,878 10,146 99,353 85,871 Debiors In¢om¢ T&¥ Refund CCLI - Licences EDF (St EQeveriie Chur¢li Heating aiid Lighting) EDF (St Keverne Church Hall Running Expenses) EDF, Feed in'fariff - St Peteis Hall Funeral Fees Millerson (Church House Agents Letting Fees) Sumup (General Donations) 1.888 1.888 152 64 131 58 1,817 43 62 62 432 43 37 432 43 37 TOTAL DEBTORS £2,462 2,462 2.265 OllierA.fsels Diocese- P D Williams Dec'd Will Trust (Capiial) Stock Freehold House- Church House, Coverack (at Valuatioii for Insurance Purposes) 2,905 1,405 2,905 1.405 3,059 2,912 437,500 437.500 200,000 TOTAL OTHER ASSETS £441.810 441,810 205.971 Page 8 AROCHIAL CHURCH COUNCIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE Y AR ENDED 31 DECEMBER 20221Contlnued Statement of Assets and Liabilities ai 31 December 20221Continued Total Restricted nds General Fund Totals 2021 Liabililies Accountancy Fees South West Water (Church Halls) EDF (Si Keverne Church Hall Heating and Lighting) EDF (Covera¢k Church Heating and Lighting) EDF (Coverack Church Ha]1 Healing and Lighting) Vergers Truro Diocese Locums Organist- Landewednack Church Ruan with St Grade PCC Landewednack PCC South West Water (Churchyard Fund) C Tongue (Cleaning Church Hall) Timpson5 (Church Hall Repairs) Foot Anstey {D Billingham E5tate- Legal Fees) Consols Oils (Church Heating and Lighting) Millerson (Church House Rent in advance) Hall Hire Re¢eived in Advance MTS H Mccabe (Purchase of Fixed Assets for Church Purposes) Mr5 H Mccabe (Administralion) Trenoweth Roofing (Major Church Repair5) Lizard Roofing (Major Church Repairs) Celtic Scaffolding Ltd (MajoT Chur¢h Repairs) J Claytoii (Churchyard) Childrens Society Childrens Hospice Tear Fund Afghanistan Refugee Appeal 720 101 34 173 720 101 34 173 720 327 22 46 210 365 676 100 372 209 80 1,178 481 372 209 80 1,178 481 1,145 481 60 80 12 98 447 419 12 98 447 419 27 1,672 419 150 22 19 1,668 7,000 1,800 22 19 1,668 7.000 1,800 583 583 635 235 45 60 45 60 TOTAL LIABILITIES £14.944 688 15,632 7,270 Approved by th¢ PCC on 21 May 2023 and signed on its behalf by.. C THOMSON J KEARSLEY Mi55 C Thomson Honor Mrs J Kearsley Churc rden Page 9 PAROCHIAL CHURCH COUNCIL OF ST KEI VERNE ST KEVERNE CHURCH & ST PETER'S CHURCH COVEPACK NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022 ACCOUNTING POLICIES The Financial Statements of the PCC have been prepared in a￿ordanCe with the Church Accounting Regulations 2006 using the Receipts and Payfflents basis. The accounts include monetary transaction5, a55ets and liabilities for which the PCC can be held responsible. They do not include the account5 of other church groups ihal owe an affiliation to another body. nor tliose that are infornial gatlierings of Church meinbers. Subject to the above, receipts and payments include income as received and expenditure when irrevocably paid. FUNDS The General Fund represenrs the funds of the PCC Ihat are not subject to any special restrictions regarding their use and are available for application to ih¢ general purrKkses of the PCC. These include funds designated for a particular purpose by the PCC. R¢siricted Funds are thos¢ wheT¢ ih¢ use of the funds is restricted to the purpose indi¢aied by the name of the fund concerned. The Secretarial and Administrator Worker Fund was elosed in the previous year. The Endowment Fund relate5 to a legacy received frorn Mr R Hocking to be retained as a capital fund, the iiicome from wlii¢h is to be used for the upkeep of St Keverne Churchyard. The fund 15 Currently held in the CBF Cliurch of England Deposit Fund. STA TEMENT F ASSETS AND LIABI ITI Tli¢ following assets are reeognised bul not valued in the Statement of Assets and Liabilities: Sr Keverne Church Hall and St Peter's Hall, Coverdck. Movable Churcli furiii5hings held by the Churchwardens on special trust for the PCC and which r¢quire a faculty for disposal. Computer Equipment The following assets are recognised and a monetary value given as part of the description in the Statement of Assets and Liabilities.. Closing bank balances. Amounts owing from H M Revenue and Customs. Any otlier amounts owing to the PCC. Investments held beiieficially by the PCC. The following liabilities are Tecognised in che Statement of Assets and Liabilities= Creditors for donations and grants payable to cliarities al 31 De¢emb¢r. Any other amounts owing by the PCC. Page 11 PAROCHIAL CHURCH COUNCIL OF ST KEIVERNE ST KEVERNE CHURCH & ST PETER'S CHURCH COVERACK NOTES TO THE FINANCIAL STATEMENTS FOR THE YF.AR TrIDED 31 DECEMBER 20221ContiDued TRANSACTIONS WITH MEMBERS OF THE PCC There were no transactions between the PCC and its members during the year. FINANCIAL COMMITMENTS The PCC'S principle of donating a per¢eiirage of the annual general Church income in support of missionary work and other charities, is actively being considered and a decision for 2022 is to be confirmed as lo who and how much. DIOCESAN MISSION AND MINISTRY FUND Th¢ accounts include payments during the year to the DiiKese of Trum of £9,000 in respect of its request for a contribution from the PCC towards the Diocesan Mission and Ministry Fund (MMF), previously known a5 'Coinmon Fund, or 'Parish SharelQuota'. The amount paid wag less than ihe ioial MMF of £344,063 {including £319,644 brought forward from previous year51 requested by the Diocese. However, the shortfall in payment (including tlie shortfall in paymeiit for previous years), is only to be treated as a liability in the accounls of the PCC where. and to the extent tliat, tlie PCC lias indicated to the DiiKesan Board of Finance its intention to pay and make good all or part of such shortfall. Notwithstanding the PCC'S desire to pay as much as possible of the MMF requested by the Diocese in futUTe years, the PCC not indieated to the Diocese a specific intention to pay any of the existing shortfall. Accordingly, no liability to the diocese in respe¢1 of any shortfall in the payment of MMF is shown in these accounts. BE UEST FR M THE LATE MRS DOROTHY BILLINGHAM A further payment of £26,913 was received for which the PCC has been required to enter into an Indemnity because, in the event that a claim is made against the Estste of Mrs Billingham, this sum could be repayable. The Indemnity to remain in place until 30 June 2024. STATUS OF THE PCC The PCC is registered with the ChaTity ComTnission (registered number 1129138). Page 12 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE ST KEVERNE CHURCH & ST PETER'S CHURCH COVERACK FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE ST KEVERNE CHURCH & ST PETER'S CHURC COVERACK CONTENTS General Information Independent Examiner's Report Financial Statements Notes to the Financial Statements PAROCHIAL CHURCH COUNCIL OF ST KEVERNE ST KEVERNE CHURCH & ST PETER'S CHURCH COVERACK FOR THE YEAR ENDED 31 DECF.IKBER 2022 GENERAL INFORMATION The PCC is a chaTlty with registered number 1129138. Bank Lloyds Bank PIC Inde ndent Examiner Mrs L Dunford Kit¢l)en and Brown Accountants Ltd 40 Coinagehall Street He15toii TR13 8EQ INDEPENDENT EXAMJNER?S REPORT TO THE PCC OF ST KEVERNE ST KEVERNE CHURCH & ST PETER'S CHURC COVERACK I report on the accounts of the PCC for the year ended 31 December 2022 which are set out on Pages I to 13. Respective responsibilitles of the PCC aDd tbe examiner The members of the PCC are responsible for the preparalion of the accounts. The memb¢rs of the PCC ¢onsider that an audit is not required for this year under seclion 144(2) of the Charities A¢t 2011 (the 2011 Act) and that an independ¢nt examination is needed. It is my responsibility to.. examine the accounts in a¢¢ordance with the Regulations and 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 slat¢ wh¢th¢r particular matters have com¢ to my attention. Basis of independent examiner's report My examination was carried out in accordance with the general Directions given by the Charity Commi$5ion. An examination includes a review of the accounting Tecords kept by the PCC and a comparison of the accounts prescnled with those records. It also includes consideration of any unusual items or disclosures in ihe accounts, and seeking explanations from you as members of the PCC concerning any such matters. The procedure5 undertaken do not provide all the evidence that would be required in an audit and, ¢ons¢quently, I do not express an audit opinion on the accounts. Independent exaxnlner's ststement In connection witli my examination. no Matter has come to my altention.. (l) which gives me reasonabl¢ ¢ause to believe that. in any material respect, the requirements- to keep accounting record5 in accordance wilh section 130 of the 2011 Act,. or to prepare accounts which accord with the accounting re¢ord5 and cotnply with the accounting r¢quirements of the 2011 Act have not been met. or {2) lo which, in my opinion. attention should be drawn in order to enable a proper understanding of the account5 to be reached. Mrs L Dunford FCCA Kitchen and Brown Accountants Ltd 40 Coinagehall Street HELSTON TR13 8EQ Date.. 13 June 2023 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE ST KEVERNE CHURCH & ST PETER'S CHURCH COVERACK FINANCIAL STATEMEI NTS FOR THE YEAR ENDED 31 DECEMBER 2022 General Fund - Recei Is and Pa ments A¢¢ount 2022 2021 RÉcei Volunt Recei Planned Giving Gift Aid Recovered Other Giving Collections Gift Days and Sundry Donations Collections for Outward Giving Legacies Grants- Dioces¢ Energy Fund 16,810 5,109 646 3,416 4,128 5,243 26,913 3,883 22,562 2,659 813 2,942 2,118 821 66,148 31,915 Activities for Generatin Fundraising Funds 421 560 Church Activities Church Hall Lettings Fees Solar Panels 3,862 7,433 503 1.912 8,315 1,304 11.798 11,531 Inc me from Investments Interest Received Wayleaves Church House Rent 409 50 12,000 12,411 6,135 6,188 Otlier Incotne Insurance Claim Contribution to Software Costs Contribution towards CopieT Leasing Costs 625 685 500 500 TOTAL RECEIPTS £91,463 £50,694 Page I PAROCHIAL CHURCH COUNCIL OF ST KEVERNE ST KEVERNE CHURCH & ST PETER?S CHURCH COVERACK FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 20221Continutd General Fund - Recei tsandPa men Accounvcontinued 2022 2021 Pu menÉs n Givin and Donations Missionary and Charitable Giving 7,961 588 Church Activilies Mission and Ministry Fund Loeum and Verger Costs Diocese Costs re Funerals, Memorials and Weddings Heating aiid Ligliting Cleaning Insurance Major Cliurch Repairs Church Repairs and Maintenanee (St Keverne and St Peter's) Church Hall Repairs and Maintenance (St Keverne and St Peter'5) Purchase of Fixed Asseis for Church Purposes Churcli House Repairs and Renewals Church Organ Repairs and Service Cost of Services Church Hall Running Expenses (St Keverne and Si Peter'sl Church House Running Expenses Beacon Magazine B Toadbaiid Costs Fundraising Costs 9,000 4,008 1,426 5.077 19 4,538 8,231 15,000 3.054 832 1,686 4.676 1,770 2,937 4,298 1.212 1,235 148 1,355 576 492 1,305 288 5,391 2,145 3,518 2,195 317 10 633 50,180 37,403 Church Mana ement and Adinii)islTation Accountancy Fees Administratioii Costs Copier Leasing and Costs 720 .412 720 2,401 2.724 2.132 5,845 TOTAL PA YMENTS £60,273 £43,836 Excess of Receipts over Payinent5 31,190 6,858 Balance Brought Forward at l January 2022 15,139 8,281 Balance Carried Fonvard at 31 December 2022 £46,329 £15.139 Page 2 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 20221Continued t Keverne - Bell and Tower Maintenance Fund Recei Is and Pa men Account- Restricted Fund 2022 2021 Recei Donations and Fundraising Income T&K Refund on Gift Aided Donations 120 55 ments Repairs and Maintenance 264 256 Excess of (Payments over Receipt5) (831 (253) Balance Brouglit Forward at l January 2022 1,224 1,477 Balance Carried Forward at 31 December 2022 £1,141 £1,224 Worshi Grou Fund Recei ts and Pa ments Account- Restricted Fund 2022 2021 Recei ments Excess of Receipts over Payments Balance Brought Forward at l January 2022 100 100 Balance Carried Forward at 31 D￿eMber 2022 £100 £100 ac of Louis Ward - Maintenance of St Keverne CliurGh and Church ard Fund Recei Account- Restricted Fund ts and Pa menls 2021 Recei Interest ments Excess of Receipts over Payments Balance Brought Fonvard at l January 2022 13.254 13,254 Balan¢¢ Carried Forward at 31 December 2022 £13,263 £13.254 Page 3 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 20221Continued St Keverne and Coverack Chur¢l) ard Recei tsandPa ments Account- Restricted Fund 2022 2021 Recei ts Burials and Headstones Donations and Grants 5,957 2,200 4,974 2,450 8,157 7,424 Pa ments Gr&s Cutting and Bins Water 7,341 116 6,494 96 7,457 6,590 Excess of Receipts over Payments 700 834 Balanee Brought Fon¥ard at l January 2022 7,306 6,472 Balance Carried Forward at 31 December 2022 £8,006 £7,306 St Keverne Youn Peo le's Club Recei ts and Pa ments Account - Restricted Fuiid 2022 2021 Recei Interest ments Excess of Receipis ov¢r Payments Balance Brought Forward at l January 2022 10,581 10,581 Balance Carried Forward at 31 December 2022 £10,588 £10,581 Page 4 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 20221Continued Little Fishes Recei ts and Pa ments Account- Restricted Fund 2022 2021 Re¢ei Subscriptions Donations 330 700 328 1,030 328 ments Provisions Sundry and Other Expenses 103 12 99 215 Excess of Receipts over Payments 815 217 Balance Brought Forward al l January 2022 2.639 2,422 Balan¢e Carried Forward at 31 December 2022 £3,454 £2,639 Coverack Luncheoii Club- RestTlCted Fund 2022 2021 Recei ts Lunclie5 Raffles Grants and Donation5 ments Meal and Food Costs Gift Cliaritable Giving Cookery Equipment and Other Expenses 27 80 276 32 139 276 Excess of {Payments over Receipts) {139) (276) Balance Brought Forward at l January 2022 1,461 1,737 Balance Carried Fon4fard al 31 December 2022 £1.322 £1,461 Page 5 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 20221Continued Secretarial and Administration Worker- Restricted Fund 2022 2021 Recei ments Pliotocopier Costs and Leasing 685 Excess of (Payinents over Receipts) (685) Balance Brought Forward at l January 2022 685 Balance Carried Forward at 31 December 2022 Le ac from Mr R Ho¢kin Maintenance and Re air of th¢ Fabric of St Keverne Parish Church - Restricted Fund 2022 2021 Recei Interest Pa ments Excess of Receipts over Payments Balance Brought Forward at l January 2022 5,000 5,000 Balance Carried Forward at 31 December 2022 £5,004 £5,000 Mr R Hockin Endowment Fund 2022 2021 Recei Interest Pa ments Ex¢e5s of Re¢eipts over Payments Balance Brought FoTward at l Jatluary 2022 10,015 10,009 Balance Carried Forward at 31 DeceinbeT 2022 £10,146 £10,015 Page 6 PAROCHIAL CHURCH COUNCIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEI MBER 20221Continued St Peter's Fund Restricted Fund 2022 2021 Recei Donations In¢ome Refund on Gifi Aid¢d Donations 4,816 920 11,804 5,736 11,804 Pa ments Roof Repair Costs (24,890) ExC￿S of (Payments over ReceiptsyReceipts over Payments (19,154) 11,804 Balance Brought Fonvard at l January 2022 19.154 7,350 Balance Carried Fonvard at 31 December 2022 £19,154 Page 7 PAROCHL4L CHURCH COUTr4CIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 20221Continued Statement of Assets and Liabilities al 31 December 2022 Total eneral Resiricied Endowment Fund Funds Fuftds Totals 2022 2021 Moiieiar Assels Barclays Bank Accounts Lloyds Bank Accounts Natwest Bank Account CBF Deposit Funds Cash 3,392 8,106 895 29,996 489 3,392 19.804 895 74,382 880 2,592 40,918 895 40,603 863 11,698 34,240 391 10,146 TOTAL MONETARY ASSETS £46,329 42,878 10,146 99,353 85,871 Debiors In¢om¢ T&¥ Refund CCLI - Licences EDF (St EQeveriie Chur¢li Heating aiid Lighting) EDF (St Keverne Church Hall Running Expenses) EDF, Feed in'fariff - St Peteis Hall Funeral Fees Millerson (Church House Agents Letting Fees) Sumup (General Donations) 1.888 1.888 152 64 131 58 1,817 43 62 62 432 43 37 432 43 37 TOTAL DEBTORS £2,462 2,462 2.265 OllierA.fsels Diocese- P D Williams Dec'd Will Trust (Capiial) Stock Freehold House- Church House, Coverack (at Valuatioii for Insurance Purposes) 2,905 1,405 2,905 1.405 3,059 2,912 437,500 437.500 200,000 TOTAL OTHER ASSETS £441.810 441,810 205.971 Page 8 AROCHIAL CHURCH COUNCIL OF ST KEVERNE FINANCIAL STATEMENTS FOR THE Y AR ENDED 31 DECEMBER 20221Contlnued Statement of Assets and Liabilities ai 31 December 20221Continued Total Restricted nds General Fund Totals 2021 Liabililies Accountancy Fees South West Water (Church Halls) EDF (Si Keverne Church Hall Heating and Lighting) EDF (Covera¢k Church Heating and Lighting) EDF (Coverack Church Ha]1 Healing and Lighting) Vergers Truro Diocese Locums Organist- Landewednack Church Ruan with St Grade PCC Landewednack PCC South West Water (Churchyard Fund) C Tongue (Cleaning Church Hall) Timpson5 (Church Hall Repairs) Foot Anstey {D Billingham E5tate- Legal Fees) Consols Oils (Church Heating and Lighting) Millerson (Church House Rent in advance) Hall Hire Re¢eived in Advance MTS H Mccabe (Purchase of Fixed Assets for Church Purposes) Mr5 H Mccabe (Administralion) Trenoweth Roofing (Major Church Repair5) Lizard Roofing (Major Church Repairs) Celtic Scaffolding Ltd (MajoT Chur¢h Repairs) J Claytoii (Churchyard) Childrens Society Childrens Hospice Tear Fund Afghanistan Refugee Appeal 720 101 34 173 720 101 34 173 720 327 22 46 210 365 676 100 372 209 80 1,178 481 372 209 80 1,178 481 1,145 481 60 80 12 98 447 419 12 98 447 419 27 1,672 419 150 22 19 1,668 7,000 1,800 22 19 1,668 7.000 1,800 583 583 635 235 45 60 45 60 TOTAL LIABILITIES £14.944 688 15,632 7,270 Approved by th¢ PCC on 21 May 2023 and signed on its behalf by.. C THOMSON J KEARSLEY Mi55 C Thomson Honor Mrs J Kearsley Churc rden Page 9 PAROCHIAL CHURCH COUNCIL OF ST KEI VERNE ST KEVERNE CHURCH & ST PETER'S CHURCH COVEPACK NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2022 ACCOUNTING POLICIES The Financial Statements of the PCC have been prepared in a￿ordanCe with the Church Accounting Regulations 2006 using the Receipts and Payfflents basis. The accounts include monetary transaction5, a55ets and liabilities for which the PCC can be held responsible. They do not include the account5 of other church groups ihal owe an affiliation to another body. nor tliose that are infornial gatlierings of Church meinbers. Subject to the above, receipts and payments include income as received and expenditure when irrevocably paid. FUNDS The General Fund represenrs the funds of the PCC Ihat are not subject to any special restrictions regarding their use and are available for application to ih¢ general purrKkses of the PCC. These include funds designated for a particular purpose by the PCC. R¢siricted Funds are thos¢ wheT¢ ih¢ use of the funds is restricted to the purpose indi¢aied by the name of the fund concerned. The Secretarial and Administrator Worker Fund was elosed in the previous year. The Endowment Fund relate5 to a legacy received frorn Mr R Hocking to be retained as a capital fund, the iiicome from wlii¢h is to be used for the upkeep of St Keverne Churchyard. The fund 15 Currently held in the CBF Cliurch of England Deposit Fund. STA TEMENT F ASSETS AND LIABI ITI Tli¢ following assets are reeognised bul not valued in the Statement of Assets and Liabilities: Sr Keverne Church Hall and St Peter's Hall, Coverdck. Movable Churcli furiii5hings held by the Churchwardens on special trust for the PCC and which r¢quire a faculty for disposal. Computer Equipment The following assets are recognised and a monetary value given as part of the description in the Statement of Assets and Liabilities.. Closing bank balances. Amounts owing from H M Revenue and Customs. Any otlier amounts owing to the PCC. Investments held beiieficially by the PCC. The following liabilities are Tecognised in che Statement of Assets and Liabilities= Creditors for donations and grants payable to cliarities al 31 De¢emb¢r. Any other amounts owing by the PCC. Page 11 PAROCHIAL CHURCH COUNCIL OF ST KEIVERNE ST KEVERNE CHURCH & ST PETER'S CHURCH COVERACK NOTES TO THE FINANCIAL STATEMENTS FOR THE YF.AR TrIDED 31 DECEMBER 20221ContiDued TRANSACTIONS WITH MEMBERS OF THE PCC There were no transactions between the PCC and its members during the year. FINANCIAL COMMITMENTS The PCC'S principle of donating a per¢eiirage of the annual general Church income in support of missionary work and other charities, is actively being considered and a decision for 2022 is to be confirmed as lo who and how much. DIOCESAN MISSION AND MINISTRY FUND Th¢ accounts include payments during the year to the DiiKese of Trum of £9,000 in respect of its request for a contribution from the PCC towards the Diocesan Mission and Ministry Fund (MMF), previously known a5 'Coinmon Fund, or 'Parish SharelQuota'. The amount paid wag less than ihe ioial MMF of £344,063 {including £319,644 brought forward from previous year51 requested by the Diocese. However, the shortfall in payment (including tlie shortfall in paymeiit for previous years), is only to be treated as a liability in the accounls of the PCC where. and to the extent tliat, tlie PCC lias indicated to the DiiKesan Board of Finance its intention to pay and make good all or part of such shortfall. Notwithstanding the PCC'S desire to pay as much as possible of the MMF requested by the Diocese in futUTe years, the PCC not indieated to the Diocese a specific intention to pay any of the existing shortfall. Accordingly, no liability to the diocese in respe¢1 of any shortfall in the payment of MMF is shown in these accounts. BE UEST FR M THE LATE MRS DOROTHY BILLINGHAM A further payment of £26,913 was received for which the PCC has been required to enter into an Indemnity because, in the event that a claim is made against the Estste of Mrs Billingham, this sum could be repayable. The Indemnity to remain in place until 30 June 2024. STATUS OF THE PCC The PCC is registered with the ChaTity ComTnission (registered number 1129138). Page 12