## **Parish Church of St Mary the Virgin, Great Dunmow, Essex** 

# **ANNUAL REPORT For the year 2020 - 2021** 

## **Purpose** 

St Mary’s Parochial Church Council (PCC) is responsible for co-operating with the incumbent in promoting with the ecclesiastical parish, the whole mission of the Church – pastoral, evangelistic, social and ecumenical.  It also has maintenance responsibilities for the church halls know as St Mary’s Rooms (SMR) and St Mary’s Centre (SMC). 

St Mary’s Mission Statement is “To know Christ better and to make Christ better known”. 

## **Membership of the PCC** 

Members of the PCC are either ex-officio or elected by the Annual Parochial Church Meeting (APCM) in accordance with the Church Representation Rules. 

During the year, the following have served as members of the PCC: 

|Priest in Charge|In vacancy|||
|---|---|---|---|
|Assistant Curate|Revd Lea Williams|||
|Churchwarden|Michael Ryley|_(PCC Vice Chair)_||
||Catherine Salmon|||
|PCC Secretary|Jenny Dalton|White||
|PCC Treasurer|Nigel Dodd|(co-opted)||
|Deanery Synod Representatives_(all_||_elected for a term_|_of 3 years)_|
||Maureen Best|||
||Jenny Dalton|White||
||Malcolm Dulwich|||
|Elected Members _(all elected for a_||_term of 1 year)_||
||Michael Best||Elaine Peck|
||Ann Deakins||Jenny Salisbury|
||Bruce Drew||Edward Salmon|
||Bryan Haines||Helen Wright|
||Colin Parker|||
|Elected at APCM in|October 2020|||
||Gerald Crowley||Linda Todd|
||Norma Danes|||





## **Committees of the PCC** 

The PCC operates through a number of committees which meet between full meetings of the PCC: 

|Standing Committee|The only committee required by law.  It has the power to|
|---|---|
||transact the business of the PCC between meetings subject to|
||any directions given by PCC|
|Finance Committee|Oversees the Church finances, budgeting and purchases and|
||co-ordinates stewardship and other appeals|
|Fabric Committee|Deals with repairs and maintenance of the Church, car park|
||and Church halls (SMR & SMC)|
|Churchyard Committee &|Riverbank|
||Maintenance of the existing churchyard and Riverbank|
||project|
|Publicity Committee|Oversees monthly production of Outlook and the structure|
||and maintenance of the website|
|PCC Representatives|PCC and ordinary church members were appointed to the|
||following positions:|
||Parish Safeguarding Officer and BDS: Jenny Salisbury and|
||Sarah Jeffrey|
||Electoral Roll Officer: Jenny Dalton White|
||Trustee to St Mary’s Church Nursery: Wendy Bowler|
||Churches Together in Dunmow representative:|
||Jenny Salisbury|
|Ministers of Communion:|Mike Best, Norma Danes, Tom Deakins, Mary Jensen, Liz|
||Kerry, Elaine Peck, Marian Tuttlebee|



## **Church Membership** 

There were 131 names on the Church Electoral Roll at the APCM in 2020.  The corresponding figure for the previous year was 128 names on the Electoral Roll. 

## **Ministry Team** 

Clergy Revd Lea Williams (Curate) Revd Canon Rosemary Drew (Bishop’s Permission to Officiate) Revd Elsie Bouffler (Curate) Lay ministers Gerald Crowley (Reader - Bishop’s Permission to Officiate) Pam Warren (Pastoral Assistant) Jo Wood (Ordinand) 

## **Objectives and performance over the year** 



The PCC met 5 times during the year, mainly by zoom during the Covid 19 pandemic. 

During the year PCC considered amongst other things the following items: 

- Regular ongoing reviews of worship and activities during the year 

- Discussion of final financial results for 2019 and charitable giving allowances plus reviewing on a regular basis the 2020 Budget. 

- Much time has been given to the process of appointing a new vicar.  PCC has overseen the preparation of the new parish plan, advertising the post, reviewing responses, appointing representatives, organising an interview day and considering and planning for future ministry. 

- Overseeing the work of the Chair Fund and welcoming the arrival of the new chairs. 

- Liaising with the Churchwardens in assessing and implementing Covid 19 guidance which led to the closure of the church for part of the year. 

- Supporting those in authorised and licensed ministries, including: Revd Elsie Bouffler as ordained minister; Pam Warren as lay assistant for the distribution of communion to the sick and housebound; Jo Wood training for ordination; Jenny Salisbury training for LLM. 

- Overseeing and discussing the service pattern for St Mary’s and planning for Christmas and Easter services. 

- Discussing PCC governance and future training. 

- Support for our Foundation Governors at Dunmow St Mary’s Primary School 

- Receipt of accounts, financial reports, budget and stewardship reports 

PCC has complied with the duty under section 5 of the Safeguarding and Clergy Discipline Measure 2016 (duty to have regard to House of Bishops’ guidance on safeguarding children and vulnerable adults). 

The PCC has been closely involved with and has supported the work of Connect 120 and several from our church have worked as volunteers for the project. 

The PCC supported continued spiritual education through involvement with Churches Together in Dunmow, Home Groups, Lent and Advent Groups, Children’s Church and Messy Church. 

The PCC maintained its close association with organisations in town including Churches Together in Dunmow and has overseen the work of the Creative Group in establishing and maintaining links with Dunmow and the wider community.  PCC members also actively participate in Deanery Synod. 

The PCC has maintained its support for a number of external charitable organisations, both through donations at Christmas Services and from general funds. 



St Mary the Virgin Great Dunmow
End of Year Financial Statements
Year ending December 31st 2020

Finances 2020 - Executive Summary
2020 turned out to be a busy year. The re-ordering project came to fruition, we moved some
£150,000 from our cash reserves into the church of England Investment Fund, and of course we
faced the many challenges thrown up by coronavirus.
Thanks to the generosity and hard work of many church members and others, we finished an
incredibly difficult year with an almost exact balan￿ of income and expenditure. On behalf of the
PCC a huge thank you to all those who helped.
How coronavirus affected the finances
Coronavirus adversely affected income in many ways via..
Collections in church
The cantellation of fund-raisin8 events. in particular Coffee, Cake and Chatter and the
Countess of Warwick Show
The suspension of a 'physital' Outlook and the subsequent loss of advertisin8 revenue
Pause in bookings for St Mary's Room and St Marfs Centre
Postponement of weddings and the changed arrangements for funerals.
Taken together all of these threatened a fall in income of some £5.OCQ per rnonth.
The PCC took action during April and May to mitigate some of the impacl via sensible c05t
reduttions and a letter to church members outlining the challenges we faced and appealing for their
continued support, particularly in the face of the drop in collections. We were also helped from lune
onwards by the reductlon in our parish share of some £2.(m￿ pei month (this is the normal
reduction for a vacancy and is triggered 12 months after the old incumbent leaves).
In August, with our cash in hand at the bank still reducing. and with the added costs of replacing the
flooring in the south aisle, the PCC agreed to withhold £4.8￿ of Sha￿ spread over four months
Iseptember to December).
By the autumn, thin85 picked up somewhat-
Church services Te5umed lalbeit with restricted attendance and temporarily as it turned outl
Outlook resumed and advertisin8 income recovered in spectacular style
We agreed a way forward with St Marvs Nursery to re-open St Mary's Room and generate
some rental income, whilst supporting them and their children and parents
Fund-raising got up and runnin& helped enorniously by the concerts organised in the church
car parks.
Finally, as it became clear that we would end the year in a much healthier position than we
envisaged at the half-way point. the PCC agreed to make good the £4,800 in parish share that had
earlier been withheld.

The PCC agreed the following Charity donations-
0 3 Christmas charitie5
o Food Bank
o Tear Fund
o CHESS
o Faith in Action
o World Vision
Christian Aid
o Children's Society
o CMS
£400
£4(Kl
£800
£300
£300
£2LN)O.

Commentary on the Flnanclal Ststements
Over the full year, we are showin8 a surplus of £20. This is qulte remarkable in a year when
we have faced many challenges. As well as paying the balance on the re-ordering project
Ichoirs, which we knew about and was fully funded), we had the unexpected challellges of
coronavirus and the major repair work to the flDor in the north aisle.
Income ha5 fallen by some £12.6CQ from 2019, but this headline hides a lot of what has
happened.
o Income from our halls, Outlook and PCC fees fell by about £ 12,750.
o The timing of chair fund income was ieflected in a drop of £8.840 Ithis was fullv
expertedl.
o Income from collections and other activity from services fell by c. £6,500 including
the tax we couldn't recover.
o Regular giving from our congregation remained about the same (Standing orders,
weekly envelopes), with about a third of those using weekly envelopes moving to
standing orders.
And we had one unexpectedly large bill.
0 £12,870 for the floor in the north aisle and all the associated work.
5t Mary's has rallied.
o We have received large donation5 of close to £13,0(MJ, many in response to our
letter in May last year. to help to keep us going when we had the prospect of a large
deficit and with big bills to pay for the floor.
o Fund ralsing has raised more than in 2019, a year when we had the benefit of a
Countess of Warwick Show and 12 months of coffee. Cake ènd Chatter. Thank you to
the many who sUPPOrted this.
o The Outlook team have done a great lob recovering from the 3-month suspension,
keeping advertisers on board in difficult times and the renewals rolled in in the 2
half.
We found a way to accommodate the nursery in SMR.
o The musical team have been hugely supportive, waivin8 fees whilst church services
have been restricted.
Keeping a sensible eye on costs when thing5 h￿e been difficult e.g. managing
heating costs.
Volunteers doing nearly all the churchyard maintenance in 2020.
We received a legacy of £5.OLN).
We received an additional £2,C￿0 in investment income as a result of re-balancing our cash
assets Ifollowing a dÈci5ion at the January PCCI. At the beginnin8 of February 2020 we
moved some £150.OCN) of cash assets into the Church of England Fund.
We benefited las we expected tol from a reduction in our parish share contributions of c.
£2,000 per month from May 2020 onwards.

Parish Church of St Mary the Wirgin, Great Dunmow
Statetr*nt of Financlal Aclivltles
For the perlod from 01 January 2020 to 31 Oecember 2020
Tctsl Prly)
¥rfJlewes
)fi78
1&10
25.685
11.m
12.701
38.401
15,B02
10.808
In¥tttrner¥ts
145
f42.646
155N¥
RaisiwL*)ts
8ndI￿re0n th4niat4o&x41
cknor6w￿l1ur￿
1,149
138.
11,307
151fv21
11a.817
14.631
12.642
2Y2n
129.148
12.gJ8
114ITJ
142h16
RJ,12n
162B
1480.4381
fAn5th889 on In￿￿ONI•ll¢*
e&ns on re￿lU81(￿. 055ets. tr•ty8￿
14Th)
1135
3A43 20,2
3143 2OAJB
21.815
20A43
37N
114457
41511 424
,117
30S129
415.018
Approved on 14" April 2021 by..
Michael R
Catherine Salmon
Churchwarden
Churchwarden
111 Atyl" 3)21 g.(fjJnl 1 Ll 1

Parfsh Church of St Aknythe Wwyin, lknt Dunnmy
is of inco￿* and expendknre
Selected perlod: 01 Januwy 2020 to 31 Decertw J)20
Total
G•noral Doslgnat•d R•$trlct•d Endts￿￿t Thls ￿ar Last
Oonatloni and l•ga¢l•*
01(#M.Aonr￿1C5Wv bySTOGftAd
01￿.98￿Sh GWVJ (FI
O101.F1anr￿d byerY**
0101B-Hnken*lcwGts
0102.TgxrBtw
240
37J
3.ul
3,420
6,492
8D49
15￿?
14.715
14,775
0102CF.TBxre(xAWBrt￿(￿Iknr*J
02￿.LegaLle5
0251.Slandinyth rKAGft
3.487
0391C. Re￿A￿serI1[￿l￿h
1,3r2
0394C. $eA4r#wh
D3gs.Va&sy(kn i￿k￿c￿￿￿
0￿. ￿r￿ryI￿X)thr￿ s
2a11
212
177
102
102
12hg)
12,e6J
1,570
D491CF. Ch*rKffjd s￿￿￿h￿par￿1lkffi*"￿
Dgn4¢lon• and l•qacl•* Totals
ion
1.810
92,418
90.038
Incom• from charltsbl• 4thhl••
L5101. kl811 rwts SF
0402. H811 rents S•
0403. P#ri5hlknaaa
(404. FCC
0404cY.ch*￿r
2.2FAJ
12.4gl
8.512
12.4
9.fJ)2
27
18.201
12.2T/
74
27
In¢om• from ch•rllabl• •ctlvltl•• Total•
25.598
2S,685
38,401
Oth•r tradlng 4ctlvlll••
750
0203. FurpJ ￿5[[￿jE￿n￿
3.531
3,318
JA)7
3.X17
OWJl.Ea5Ytu￿rFIs
12c11-￿rth hire
27
Other tradlng actlvltl•¥ Totsl•
6,160
3.607
2,000
11,773
15,802
Investrnents
0301- knwesi
03O1CY.Chwrthp￿ irtBmt
5,014
37
112WI XQ17..32 an) 1 L12

Total
G•n•fal Deslgnated Rostrl¢ted Endowrnent ThFs ￿ar Last svar
69
Investrrnnts Totals
2.529
9.837
335
12.701
10.808
and endowmènts (>and totals
122￿92
15.609
4,145
142,646 155,049
Exp¢nditure on:
Islng lunrt•
.FLYKI ￿SIr￿J￿*￿
1,149
lslnq lund* Toto18
1,149
ExP•ndI￿re on chorltabl• •thltl••
11M.Ch8fiithgAI￿j
1.046
72.068
2J87
2¢￿1.￿￿* arxJthanBry
61
2.742
61,382
2.742
2￿14.Tr*rM￿J lorgM*
X17
1.763
2LKJ3.th1(tr8nS Qvth
138
13
3.7
4A54
221
247
1.831
1.621
710
4217
10,845
4,tr23
4,012
2￿7.
1,104
5M7
S.687
10.SNfi
2011-SNC
3.972
2Mn
3.972
2.877
12.870
1.492
1i870
)I6-Qg*stsith￿r4s￿wrt
5.878
324
414
107
729
2018.lJurth b￿L¥
4Tr)).(*urth offi
Exp•ndltur• on charltabla actlvltl•• Tot•l•
113.$40
1,277
14.631
129.448
138.966
lJth•r •xp•ndltur•
11642
12.e42
1009)
371
146
Oth•r ex￿ndIt￿r* Ttstsl$
336
12.642
12,998
11.307
Expondiwrn &and Iota
113￿76
1397
27.273
142,446 151.422
112 AFffl"I XQ17..32 2 d2

Parfsh Churti ofst Pknry the W¥gin. Great DunnN)w
Baknce Sheel deialled
3111212020
3111212019
Flxod assats
)1".C Kcts
01
0.01
37,491.76
15,624A3
3X)n)
15fft9A5
14,194.14
62,742m
75.97tIAII
62,943A4
157,53&YJ
82,742.1
fA,924.40
60,829A2
9112*.￿￿ &*)knFth"cknJO)1J
¥aY).' L￿T￿rnI ￿lF
Total Flx•d
412.643.95
242,099.82
Current a•￿ts
12,Q44.73
6,512.14
6,85223
1,137.75
223AM
42,C61*3
41,S78.11
5.101
19.9)4.99
32,gJ2fi5
S91
84554
7.96129
1.1391KJ
3.739A3
4,241111
JM. Fthc. L1￿¢*￿￿110702B5IB
9103.. 81is
9104.. Fth¢ccIArtreLk915YJJID
91C6." lknrnl LkY* t*￿Il07T4
91ceA R68oTh•(K¥773485
9110. 8￿*￿X%XrI
7.112.79
3.gJ9.76
1.ICn.C6
9.078.99
3.CN.76
305n7
9112..
9113". Bdlnrws
6.137AI
4310A2
4.510A2
18%)
Totsl Currnnt aM•¢•
49.333.64
190,975.25
Ll•bllltl•s
17,161.70
8b75.52
17.161.70
8,819.S2
I12A4￿12)￿ 7..33 Py 1 d2

NBI knt surplus (deficit
445,017.89
424,559.55
R•s•r¥•s
3J).19
426fi21.01
(zrffjt.481
20258.15
3,627.56
399.116h1
21.81528
Total R•￿1¥•$
445.017.89
424.$59.55
Ropresented ty Funds
38,87524
26423
93,WS8
46.423.44
29,285ffi
238,2&5A8
P£skn"E
114.457n9
42.SPIJA4
4W17Jg
42￿￿55
112 Arm"1 XY217'.33 2 d2

Notes to the Financial Statements for the yeaf endlng 31" December 2020
These finantial statements have been prepared on an accruals basis in accordanee with current
Church Accounting Regulations and in accordance with the current Statement of Recommended
Practice Accounting and Reporting by Charities ISORP 20151.
l. Funds Accountin
Unrestrlcted funds- general funds which can be used 4or PCC ordinary puiposes.
Deslgnated funds- monies set aside by the PCC for specific future projects or purposes.
Restrlrted fund5- al income from trusts or endowments which may be expended only on those
restricted objects provided in the terms of the trust or legacy.. bl donation5 or grants received for a
specific objective or inviled by the PCC for a Specific object. The funds may only be expended on that
specific object for which they were given.
Endowment fut)ds- funds the capital of which must be maintained; only income arising from the
investment of the endowment may be used.. either as festricted or unrestricted funds depending
upon the purposes sèt out in the original endowment.
The endowment funds shown In the balance sheet used to include the Dunmow Estate which is not
under the control of the PCC. The income from them all is paid to the Fabric and Churchyard fund
accounts. Following an agreement with our independent examiner and the Chelmsford DBF we have
removed the Dunmow Estate from the accounts. The Dunmow Estate has its own charity number
and is filed separately with the Charity Commissioners.
2. Paid
rRe
During the year, the PCC used a self-employed Director of Muslc and a Musical Assistant and a
cleaner, all self-employed. Due to personal Circumstances and coronavirus, the self-employed
churchyard gardener was not able to complete any hours in 2020. Instead, the work was performed
by volunteers.
The musical team waived their fees from quarter 2 2020 onwards Isome were re-couped via the
8overnmenVs coronavirus relief scheme for the self-employed we believe) when music in church
was elther disallowed or very restricted).
The arrangement with the cleaner was temporarily changed from September 2020. Hours were
reduced from 6 hours per week to 2 hours while St Marfs Nursery took responsibility for the
cleaning of St Marfs room. This arrangement supported the nursery iri hal'ing sole use of SMR and
provided them with the control that was necessary under coronavirus guidelines.
The church administrator is employed by the PCC and has opted to enrol with the Church Workers
Pension Fund (see note 4 for more detail) administered by the Church of England. No employer
National Insurance contributions are due as the administrator salary falls below the threshold for
qualification.
All rates of renumeration are renewed annually and were increased by the change in CPI from
November 2018 to November 2019 and are maintained at least the minimum living waRe.

The total paid out for all these se￿ice5 in 2018 was £12.601 including both pension contributions
and payroll costs due to the 010￿$e for the administrator.
3. Assets
Fixed As5ets-Tan8ible fixed asset5 comprise the 2 halls owned, maintained and used by the PCC.
Original cost for St Marvs Room was £330 and the building cost of St Mar*s Centre in 1991 was
£62,742.
Investments are stated at market value on the balance sheet date and valuations of shares are at
December 31, 2020.
Grant5 and donations are accounted for when paid over or when awarded where the award creates
a binding obligation on the PCC.
4, Church Worker5 Pensi
CWPF
The PCC of St Mary the Virgin Great Dunmow partlcipates in the Pension Builder Scheme section
of CWPF for lay staff. The Scheme is administered by the Church of England Pensions Board, which
holds the assets of the schemes separately from those of the Employer and the other participating
employers.
The Church Workers Pension Fund has a section known as the Defined Benefits Scheme, a deferred
annuity section known as Pension Builder Classic and a cash balance section known as Pension
Builder 2014.
The Pension Builder Scheme of the Church Workers Pension Fund is made up of two sertions,
Pension Builder Classic and Pension 8uilder 2014, both of which are classed as defined benefit
schemes.
Pension 8uilder 2014 Is a cash balance scheme that provides a lump sum that member5 Use to
provide benefits at retirement. Pension contributions are recorded in an account for each member.
This account may have bonuses added by the Board before retirement. The bonuses depend on
investment experience and other factors. There is no requirement for the Board grant any bonuses.
The account, plus any bonuses declared, is payable from members, Normal Pension Age.
There is no sub-division of assets between employer5 in each section of the Pension Builder Scheme.
The scheme is a multi-employer scheme as described in Section 28 of FRS 102 as it is not possible to
attribute the Pension Builder Scheme's assets and liabilities to specific employers. This means that
contributions are accounted for as if the Scheme were è defined contribution scheme. The pensions
costs charged to the SOFA in 2020 amount to £714.31.
For the Pension Builder 2014 sertion, the valuation revealed a surplus of £1.8m on the ongoing
assumptions used. There is no requirement for deficit payments at the current time.
The legal structLtrè of the scheme is such that if another employer fails, The PCC of St Mary the
Virgin Great Dunmow could become responsible for paying a Share of that employerfs pension

Independent ex*miDer's report to tbe PCC of St M4ry'& Great Dunmow
I report on the accounts of the PCC for the year ended 31 December 2020. which are
set out on the attached pages.
Respeetiv¢ responsibilities of the PCC and the exgminer
The charity's truste¢s consider that an audit is not required for this Year under section
14412) of the Charities Act 2011 (the 2011 Act) und that an Independent examination
is needed.
Ii is my resp)nsibility to
Examine the accounts under section 145 of the 2011 Act.
Follow procedures laid down in the general directions given by the Charity
Commissioners srttion 145(5Xb) of the 2011 Acl; and
Slate whether particular matters hav¢ conie lo my attention.
Basis of IndependeDt Examinen StatemeoL
My examination was carried out in accordance with the General Directions given by
the Charity Commission. An examination includL"s a review of ihe accouniingy records
kept by the Charity and a comFwison of the accounts presented with those records. It
also includes ¢onsid¢rdtion of any unusual items or disclosures in Ihe a¢¢ounts. and
seeking explanations from ihe management committee concerning any such matters.
The prwedures undertaken do not provide all the evtdence that would be required in a
full audit. and consequently I do not express an opinion on the accounts.
Independent exxmin¢r'$ 3l*l¢tycnt
In connection with my examination. no matter has come to my atlention:
(i)
which gives me reiwnable ￿U$¢ to believe that in any material rcspecl ihe
quirem¢nis
to keep accounting records in accordance with s.130 of the 2011 Acl; or
to prepare accounls, which accord with these accounting records have not been
met; or
{2) to which. in my opiniorL allention should be drawn in order to enable a proper
understandin8 of
e accounts to ￿ reached.
Ray Joy.
I Putter Court
Braintree
01376812929
Rayjoy I C&btopenworld.com

IIllE.5
ill
¥¥
ID

Ind¢pendeDt examiner'y report to the PCC of St M*ry'& Great Dunmow
I report on the accounts of the PCC for the year ended 31 Decemkr 2020, which ar¢
sel out on the attached pages.
Resp¢etive responsibilities ofthe PCC and the ex*miner
The charity's Irustees consider thai an audit is not required for this year under section
144(2) of the Charities Act 2011 (the 2011 Act) and that an Inde￿IdeTht examination
is needed.
It is my responsibility to
Examine the accounts under section 145 of the 2011 Act:
Follow procedures laid down in the general directions given by the Charity
Commissioners section 14515)(b) of the 2011 Act: and
State whether particular matt¢rs have come io my atlenlion.
Basis of Independent Examiners Ststement.
My examination was carried out in accordance with the General Directions given by
the Charily Commission. An examinalion includes a review of the accounting records
kept by the charity and a comparison of the accounts presented with those records. It
a150 includes consideration of any unusual ilems or disclosures in the accounls. and
ekingy explanations from the managyemenl Lommittee concerningi any such matters.
The procedures undertaken do not provide all the evidence that would be required in a
full audit, and consequently I do not express an opinion on the accounts.
IDdepeDden¢ examiDer's statement
In connection with my examination, no matter has come to my attention:
(i)
which gives me reasonable cause lo believe that in any material respect the
requirements
lo keep accountingi records in accordance with s.130 of the 2011 Act: or
to prepare accounts, which accord with these accounting records have noi been
met; or
(2) to which, in my opinion. attention should be drawn in order to enable a proper
undeTStandin8 of
e accounts to be reached.
Date
Ray Joy.
I Putter Court
Braintree
01376812929
Rayjoyl@btopenworld.com