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2021-12-31-accounts

St. Luke’s Church, Watford (Charity Reg. no. 1130376)

Annual Report and Financial Statements 2021

“… the God of all grace, who called us to his eternal glory in Christ after we have suffered a little while, will himself restore us and make us strong, firm and steadfast.” 1 Peter 5:10

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St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

VICAR’S INTRODUCTION

Another challenging year has passed, but there is still much to give thanks for at St Luke’s. 2021 continued where 2020 left off. Lockdown hit us again and church life was not up and running in any normal way until September. Sunday worship re-started in late February – but restrictions were removed gradually and so groups and sung worship only started happening from mid-July. Even now the large number of COVID cases continues to create hesitancy for some.

However God has still been at work. In this PCC Report, you will read about our contact with families and others in the community; Alpha; and about a concerted effort to reach out to every home in the parish with the Gospel. Our new mission action plan has been prayerfully and collaboratively put together and is now starting to be implemented. Many thanks to all.

It is a privilege to be at St Luke’s and to work with such a talented and united staff team. The re-starting of the Mission Advisory (Action) Group with Revd Keith Powell (Renewal Adviser to the Diocese of Bath and Wells) has been a particular joy. My thanks to the staff and to all who have served the Lord in any capacity through the ministry of St Luke’s in 2021.

Looking forward to 2022, we pray it will be the year church life returns to a ‘new’ normal. If this is to happen, we will all need to engage with God personally and together in worship, prayer and scripture; and to reach out to the people living on our estates and local area and beyond. For this to happen:

  1. We will seek to engage with God more completely in worship. This may entail some altering of our online provision. Sung worship will be a major aspect of this engagement; but also spontaneous contributions by members of the congregation and the re-introduction of Prayer Ministry.

  2. Slowly we will engage with one another more as we meet up in person in life groups, social events and do mission activities together. The Wycliffe Hall mission in March, Easter, the Queen’s Jubilee, Father’s Day, New Wine United in summer and other activities will help to increase our engagement with one another.

  3. We will engage with people (local and beyond) with the Gospel. We are planning many events, including the Wycliffe mission, prayer visiting in the summer months, Alpha, healing services on Sunday evenings and others to lead people to faith and to join us at St Luke’s.

Implementing our Mission Action Plan in 2022 will provide an important focus on our Worship and Prayer life; Children, Youth and families; and reaching out with the good news of Jesus – all undergirded and driven by God’s Word, the Bible.

A recent national survey for England noted that due to the pandemic, churches had seen a 34% decline in attendance and declines in financial giving and volunteering (serving). We trust that St Luke’s will recover speedily from any which apply to us.

May the Lord continue to bless us and guide us as we move into 2022.

Yours in Christ

Michael Vicar

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St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

CONTENTS


ANNUAL REPORT AND FINANCIAL STATEMENTS
PCC report
Financial statements
Statement of financial activities

Balance sheet

Notes to the financial statements

Statement of PCC responsibilities

Independent examiner’s report

Administrative information
 Page
5
13
14
15
24
25
26

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St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

PCC REPORT

AIM AND PURPOSES

The Parochial Church Council (“PCC”) has the responsibility of cooperating with the vicar, the Reverend Michael Norman, to promote the whole mission of the Church - pastoral, evangelistic, social and ecumenical - within the parish of St Luke’s Watford.

The PCC is specifically responsible for the maintenance of the church complex of St Luke’s, Langley Way, Watford and for the house at 23 Orchard Close, Watford.

OBJECTIVES

The PCC is committed to encouraging as many people as possible to worship Jesus Christ and to be part of our parish community. Our activities take into account the Charity Commission’s guidance on public benefit including guidance on charities for the advancement of religion. We want to help ordinary people to live out their faith in Jesus every day, encouraging and supporting one another, and being led by the Holy Spirit.

At the start of 2021, the PCC decided that it was time to re-write the Mission Action Plan to reflect the impact of COVID and Michael’s recent appointment as incumbent. It was important to listen to God, to discern His will and to involve as many church members as possible in that process. Following prayerful discussion with PCC, staff team, all the life groups and other groups, a new plan was approved in November.

Before the current church building was opened, the church had received a word that St Luke’s was to be “a beacon of light, shining into the Cassiobury Estate”. The vision we received in 2021 was similar – but with an additional element: a lighthouse perhaps in place of the beacon and then lots of small boats setting out into rough seas to bring the gospel of Jesus Christ to those in danger of drowning.

There are three priority areas in the new plan (rediscovering and developing corporate worship and prayer; growing our children, youth and family ministry; and going out of the building to reach those on the estate and beyond with the good news of Jesus). Across all activities, there is an over-arching theme of obedience to, and ever-deepening love of, God’s word – both His living word and His written word.

A summary of the new Mission Action Plan has been included on the inside front cover (page 2) of this document. The priorities and goals will form the basis of our annual report for 2022 and going forward.

For this report on 2021, we will provide updates of our activities grouped into four main areas:

OVERVIEW OF ACTIVITIES AND ACHIEVEMENTS

- Looking up Worship and prayer; learning about the Gospel; and deepening our trust in Jesus Christ

To many of us, the gradual lifting of restrictions during 2021 has been both a joy and a frustration. Initially, we were able to attend services together again – but couldn’t really speak. Gradually we found ways to chat, hum, even sing and enjoy coffee (if we were outside in small groups). Eventually we had the great joy of being able to sing God’s praise together again – even if it had to be through masks! Today we are largely back in our building, and God is helping us rebuild our life together.

There have been some helpful sermon series during this period:

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St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

We have read a book by John Ortberg to help grow our personal discipleship; and a book by John Stott to prompt us to allow God to rebuild the church the way He wants it.

Sung worship is now a really special part of our corporate services – particularly when we have a drummer! God is good and it is a delight to praise Him together. The Christmas carol services were particularly uplifting. Several younger musicians have become regular members of the worship group and it is encouraging to see their gifts and ministry develop.

Although we are back in the building, it is not yet safe for all members to attend in person. ‘Blended services’ – using the building safely and, at the same time, live-streaming for those unable to attend in person - are critical. Our technology team have responded brilliantly in meeting the different needs of those worshipping in church and those watching from home.

Sunday service times have reverted to 10.30am and 6.30pm, and the Tuesday morning service continues to be well attended.

One highlight of the year was our weekend ‘at home and away’. On Saturday at Latimer, Keith Powell led us in thinking about the Father, the Son and the Holy Spirit and how all three persons wanted us to seek and grow in God’s presence. On the Sunday morning in church, we celebrated the joy that coming close to Him brings – recognising that it is a joy we want to share. After COVID, individuals were thirsty for God and, at a beautiful service in the evening, many were able to receive individual prayer for healing or personal commitment for the first time in many months. We look forward to returning to regular prayer ministry in our services in 2022.

COVID meant that New Wine United could not happen in-person this summer. Instead, members of St Luke’s met in church over 5 days to share and eat together and to take part (virtually) with New Wine on-line live feeds of the worship and teaching meetings. The preaching and interviews focussed us on God, His Word and what He is doing – and were really encouraging. And God was also using that time to start building us back together as His body, here in Watford.

Most life groups have continued in one form or other throughout COVID. These are particularly important as the Holy Spirit uses the care and encouragement of others to help point us to Jesus. Some groups follow the morning or evening sermon series; others choose to study books of the Bible, allowing God to speak to their needs.

Mrs Jenni Fenton led a training morning for existing and potential life group leaders in September. This was greatly appreciated and has already enabled new people to lead life group meetings. It has kept discussions better focussed on what God is saying to us in Scripture and has encouraged wider discussion within the groups.

A new life group for men started in September, which has been helpful and encouraging for those who attend. We still need to seek God’s wisdom as we look for other ways to support men (particularly commuters) who spend many of their waking hours at or on their way to/from work.

Prayer is always really important – both our daily private times with God and the times we pray together. We want to discern and obey His will, rather than just listening to our own plans. We need God’s wisdom, strength and encouragement as we seek to follow Him; intercede for our brothers and sisters in special need (both at St Luke’s and further afield); and trust to God the things which only He can deal with.

We see answers to many prayers and are confident that, as we continue to emerge from COVID, we will be surprised at how God has been preparing the hearts of those around us.

- Looking in caring for people

St Luke’s continues its ministry of caring for and acceptance of any around our fellowship who are struggling or alone.

Small gifts are regularly distributed to those in or connected with St Luke’s who are struggling. In February a pre-Lent gift was given to every household (221) in our congregation as an encouragement.

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St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

This was then extended to everyone who lives in our parish. At Easter, over 50 members of the church knocked on nearly 1500 doors, speaking with the people who live there and giving them an Easter egg (or two if there were more children). At the end of lockdown in July we gave each household a scented candle in a glass, inviting people to take the time to lament, to think about what we have lost and perhaps to join us at a special Sunday evening service – 40 people came.

Now that the church is open again, Community Coffee is held on Tuesday mornings every week (after the service), providing an opportunity for many to meet, chat and share. And Friday Club has become a monthly tea party, giving a lifeline to many elderly people on the estate and in our congregation, providing company and enjoyment.

Although we have returned to the building, we are all aware that there are several members of our congregation ill or still needing to isolate. We praise God that we are able to provide something for them on-line and it is a great privilege to go on praying for, phoning and supporting them and the families that care for them.

We pray too for the families of those we know who have died during the year – often people who have been used by God to bring real blessing to St Luke’s and to others. We are thankful for all they have meant to us and that they are now with the Lord.

And we give thanks for the joy of church family celebrations; for marriages and baptisms held in the church during the year, and for the special celebration when, after much hard study, Wendy Somerville was licensed as a reader for our church and diocese. We pray God’s blessing on each family.

Looking out - mission and outreach

COVID has prompted people to become more aware and more caring of the needs of others. As previously mentioned, St Luke’s has made initiatives to visit and bring gifts to every home in the parish. We want to share the love of Christ with many people who do not yet know Him – both by going out to them and by providing opportunities for people to come into church to discover and explore who Jesus is.

Alpha was run in the autumn with twelve guests taking part. Each meeting included a meal, a DVD presentation and discussion groups. The course includes one full day away learning about and seeking the Holy Spirit. This was held at Restore Hope Latimer and has been really impactful on participants. Everyone was happy to be prayed for – and many have come closer to Jesus. At the end of the course, participants might join an existing life group or take part in post-Alpha discussion group meetings.

We hold several other events which are also suitable for inviting guests or people more on the fringe of the church:

Christmas is a key time of year when we reach out to those who live in our parish. The events in early December were well attended and we sang carols at the Essex Arms twice in the weeks up to Christmas. However, after the worries about the omicron strain, attendance at the Carols by Candlelight, Nativity and Christmas Day services were lower than hoped - although these services were still well received.

Looking out - Partners in Mission

We are privileged to be involved in the extension of God’s kingdom further afield than our own parish, by praying for and supporting our partners in mission and our Partnership Fund projects.

As in 2020, the main focus for PIM during 2021 has been to try to maintain our support, both financial and prayer, for our mission partners and partner organizations across the world. It is pleasing to report that, in most cases, we have been able to continue our regular giving at the same level as 2019.

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St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

Our major fund-raising project during 2021 was a new Partnership Fund Appeal for teachers’ accommodation for a school in Uganda, which raised £15,000. We also raised over £4,000 for the Bishop’s Harvest Appeal for the Democratic Republic of the Congo (Tearfund).

It has been encouraging to see visits from partners resume following COVID. In September we held a weekend with Open Doors, and in November, Ruth Guinness from Malawi visited. We were also able to hold the Tearfund Big Quiz in person in November.

- Looking forward children, young people and families

Children and Youth Sunday sessions have been meeting in person since the summer. Numbers have been inconsistent partly because children depend on their adults to bring them. This has improved a little in recent weeks.

Sunday creche has been going well and bonds are forming between the families.

Engaging children effectively during church services is proving difficult. This is further complicated by GDPR and livestreaming – but we do need to find ways to keep families interested and involved

The Thursday morning toddler group has grown really well, meaning that we need more volunteers to help serve coffee/tea and to chat with the adults who come. There’s demand for a second parent-toddler group and so during 2022 we may look at relaunching a Saturday morning group (similar to Heroes).

We have held several outreach events during the year. A summer holiday club held over 2 days left the 16 children wanting more. The light trail with refreshments and a talk in the hall afterwards gave rise to some helpful conversations even if numbers were low. Christingle was well-attended and a beautiful service. And the Christmas Eve trail (live actors outside followed by a nativity service in church) was lively and quite well attended.

Links with schools are starting to grow; Cassiobury Junior and Infants, Lanchester and Parmiters all held Christmas events in church. Michael and Lydia have also delivered some school assemblies, although omicron did lead to one cancellation.

The Urban Saints group is happy, but small. Two children recently joined the group as a result of a parish leaflet drop. Young teenage helpers lead some sessions; otherwise the group is dependent on a few, faithful and loyal leaders.

Within the uniform organisations, the scouts in particular are flourishing with two recent church parades (Harvest and Remembrance) having very good attendance.

Three midweek youth groups are meeting each week; additional leaders are needed. A small but committed group completed Youth Alpha in the autumn – with 4 going on to baptism/confirmation in early 2022.

Facilities

The buildings at St Luke’s are a real blessing and provide a focus for the community and an important resource for our ministry. As COVID restrictions have been eased, use of the building has been increasing towards pre-COVID levels but we have also maintained our ability to stream events over the Internet.

Despite COVID the church buildings have had to operate as normal which has meant that maintenance and repairs of plumbing, heating, lighting, insurance, gutters, window meters, etc have had to continue throughout the year with the church administrator coordinating and a few active Building Group members undertaking works, together with contractors.

The only major building project this year was the replacement of lights with LED lights to the ground floor toilets.

There are a number of new volunteers for the AV team helping complete all the tasks necessary to manage AV for both in-church and on-line worshippers. The team has once more done stout work continuously improving the audio visual and external transmission equipment. A second ‘good’ camera has been acquired to improve picture quality for on-line worshippers, and the main hall has been fitted out with a permanent projector system.

Again we make the request for some new younger volunteers to join this group and get involved to allow the remaining active members to plan the transfer of knowledge so that the group’s work can continue into the future.

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St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

RISK MANAGEMENT

The PCC considers that the principal risks faced by St Luke’s are:

COVID

As COVID regulations and guidelines about using our building have changed, it has been essential that we operate in a safe and legal way. Detailed risk assessments have been prepared and updated; special procedures were drawn up; and staff and volunteers trained to ensure the procedures work. Hand sanitisers, sprays, sign-in sheets, QR codes, etc have all been provided, and there are clear instructions about how rooms should be used and any limits to numbers. The seating in church has been moved to facilitate social-distancing and to provide those who wish to wear masks and socially distance to sit together.

The Churchwardens have taken direct responsibility for operating the building safely, with the Church Administrator and the rest of the staff team managing much of the extra day-to-day workload.

Safeguarding

The PCC is committed to doing all we can to ensure that any child or any adult at risk of harm who comes to St Luke's is kept safe and protected.

The care and protection of children, young people and adults involved in church activities is the responsibility of everyone who participates in the life of the church. The Parish Safeguarding Officer and Lead Recruiter ensure that effective and correct documentation and procedures are in place and followed. They also arrange and monitor DBS and training for individuals with any sort of involvement and ensure that accurate records are maintained. The PCC reviews all safeguarding documentation annually and regularly receives reports on safeguarding activity.

A more detailed annual Safeguarding Report will be presented at the forthcoming Annual Meeting, a copy of which can be obtained from the correspondence address.

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

- Health, safety and well being

This is a wide brief, which covers a range of risks. The Health and Safety Officer and the Church Administrator ensure that policy and procedures are in place and that people are aware of them. Health and safety inspections are carried out at least annually, enabling areas of concern to be addressed and policy to be updated where necessary. The Health & Safety Policy has been formally reviewed and updated by PCC during 2021.

Financial

The church treasurer has established a robust system of financial controls, based on budgets, proper authorisation of all payments and segregation of duties. The PCC sets the annual budget and scrutinises monthly management accounts, which analyse variances to budget and prior year. At every meeting the treasurer delivers a report.

GDPR

The GDPR Officer and Church Administrator monitor and advise on how personal data is used in church and whether it is in line with our data audit and current legislation. Care is taken to ensure individuals do not appear on live stream broadcasts without their permission. The COVID requirement to collect contact information from visitors to the building has been maintained. Personal consent forms have also been updated to allow individuals to give consent for appearance on social media and streaming.

There has been no recorded report of data breaches or data losses at St Luke’s.

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St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

STRUCTURE, GOVERNANCE AND MANAGEMENT

The PCC is a corporate body established by the Church of England. It operates under the Parochial Church Council Powers Measure. The PCC is a Registered Charity (No 1130376).

The method of appointment of PCC members is set out in the Church Representation Rules. At St Luke’s the membership of the PCC consists of the incumbent (our vicar), churchwardens, one of the readers and members elected by those members of the congregation who are on the electoral role of the church. All those who attend our services are encouraged to register on the electoral roll and stand for election to the PCC. Two of the elected places are reserved initially for youth aged 16-18, if they wish to stand.

The PCC is responsible for making decisions on all matters of general concern and importance to the parish including deciding on how the funds of the PCC are to be spent.

The full PCC met 6 times during the year with an average attendance of 83%. Given the breadth of its responsibilities, the PCC has sub-committees and working parties dealing with specific aspects of parish life:

The PCC has appointed individuals to be Prayer Coordinator, Health & Safety Officer, Parish Safeguarding Officer, Lead Recruiter/DBS Administrator and GDPR Officer.

All these committees and officers are responsible to the PCC and report back to it regularly. Minutes of relevant meetings are received by the full PCC and discussed as necessary.

There are two other working groups at St Luke’s which report directly to the vicar:

FINANCIAL REVIEW AND RESERVES POLICY

The accounts show an overall operating loss for the year of £8,500. The loss on the “Unrestricted” funds was £7,000, and the loss on “Restricted” Funds was £1,500. There were shortfalls in the Maintenance and Staff Funds of £5,400 and of £1,600 in the General Fund. There was a downwards investment revaluation of £1,800. Excluding this revaluation the surplus of income above our operating costs amounts to £200 (budget loss £14,000) and compares with the corresponding surplus in 2020 of £1,200. This is a significant result given the fall in regular income due to the COVID-19 pandemic. General non-specific giving by church members was 2.4% lower than in 2020, but income from property letting was 43% better than 2020 but has not yet recovered to pre-COVID levels. Operating costs have increased by 3.6%. During the year the PCC has distributed a very generous £70,100 to support the Church at home and overseas, local charities and others. This amount includes the PCC’s continuing commitment to give away 10% of non-specific General Fund income.

General Fund

In this fund, which handles our regular giving and operating costs, income from all sources (excluding revaluations) at £270,700 increased over 2020 by £4,700 (1.8%), and expenditure at £275,900 increased by £9,700 (3.6%). 82% of our income in this fund came from the giving of church members, which fell by £5,300 (2.4%) including tax recovery. Income from letting of premises (£27,200) was higher than in 2020 (£19,000) as the effects of lockdowns receded. The Parish Share was paid in full and the amount paid to the Diocese was £4,100 (3.5%) less than in 2020. Salaries and fees increased in particular because of some interim awards to staff during the year. Transfers of £5,400 were made to this fund from the Maintenance and Staff funds to cover unexpected expenditure.

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St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

Earmarked Fund

This fund continues to hold and distribute amounts given for specific purposes. Income during the year was £25,100 and amounts distributed were £29,200. This included giving to Tearfund at harvest; the clinic at Nireekshana in India; grants made from the COVID-19 Emergency Fund and to support parish-wide gifts; and visa assistance for a family in distress.

Partnership Fund

This fund was created in 2006 and was renamed in 2018 following the attainment of fund raising to 10% of the original building cost of the new complex. Income during the year was £17,500 and the amount distributed in the year was £15,000 for a specific project in Uganda.

Balance Sheet and Reserves

Our total net assets have decreased by £8,500 to £760,700. The PCC has re-valued the property at 23 Orchard Close in the light of current market conditions but this has not resulted in any change. The PCC has also taken account of a decrease of £1,800 in the value of the investment in the Church of England Fixed Interest Fund, although this may be temporary. Cash balances have decreased by £8,700. Of the total net assets an amount of £48,600 is held in the General Fund as available for unexpected expenditure or a significant drop in income. This is our current operational reserve, which remains in excess of the lower of 2.0 months’ general expenditure or £40,000, in accordance with PCC policy. The Staff Development Fund (currently £47,500) will be used in future years to support staff numbers.

The General Reserve remains at an adequate level. The main challenge in practice was to sustain and grow regular income. However this objective has been seriously affected by the Covid-19 pandemic and the result for the year has been achieved only through additional generous giving by church members despite the continued drop in letting income. Sustaining regular giving of church members will be needed if the church is to avoid financial losses in 2022, while letting activity is restored to previous levels and church activities also are restored with a sense of normality. 81% of our operating costs remain in respect of people, as we continue to support our staff and mission partners.

STAFF AND VOLUNTEERS

The PCC is hugely appreciative of the many, many individuals who work so hard to make our church the lively and vibrant community that it is.

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St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

Whenever we prepare a list such as this, we are astonished at just how much is being done, and by so many. We thank each one of you – and give thanks to God for you.

Approved by the PCC on 29 March 2022 and signed, on its behalf by Michael Norman (Chair of PCC)

…………………………………………………….

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St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

PAROCHIAL CHURCH COUNCIL OF ST LUKE’S, WATFORD

STATEMENT OF FINANCIAL ACTIVITIES

for the year ended 31 December 2021

Notes
Income from:
Donations and legacies
3(a)
Charitable activities
3(b)
Other trading activities
3(c)
Investments
3(d)
Other income
3(e)
Total income
Expenditure on:
Charitable activities
Grants
4(a)
Other charitable activities
4(b)
Total expenditure
Net gains/(losses) on
Investments
Net income/expenditure
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Total funds carried forward		 Unrestricted
funds
Restricted
funds
Total funds
2021
2020
£
£
£
£*
220,661
42,622
263,283
243,066
33,405
0
33,405
22,942
15,600
0
15,600
15,600
736
0
736
1,345
300
0
300
310
270,702
42,622
313,324
283,263
26,000
44,141
70,141
38,057
249,906
5
249,911
240,224
275,906
44,146
320,052
278,281
(1,805)
0
(1,805)
926
(7,009)
(1,524)
(8,533)
5,908
(7,009)
(1,524)
(8,533)
5,908
759,820
9,376
769,196
763,288
752,811
7,852
760,663
769,196

*Comparative figures for Funds for 2020 are set out in Note 2

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St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

PAROCHIAL CHURCH COUNCIL OF ST LUKE’S, WATFORD

BALANCE SHEET

at 31 December 2021

Notes
Fixed assets
Tangible
6(a)
Investments
6(b)
Current assets
Debtors
8
Short term deposits
Cash at bank and in hand
Current liabilities
Amounts falling due within one year
9
Net current assets

Net assets
Funds
Unrestricted
11
Restricted
12		 2021
2020
£
£
600,000
600,000
25,370
27,175
625,370
627,175
10,386
6,727
122,361
133,721
7,795
5,149
140,542
145,597
(5,249)
(3,576)
135,293
142,021
760,663
769,196
752,811
759,820
7,852
9,376
760,663
769,196

Approved by the Parochial Church Council on 29 March 2022, and signed on its behalf by:

------------------------------------------------------------------------------------Michael Norman Paul Evans Chair, St Luke’s Parochial Church Council Treasurer

Michael Norman Chair, St Luke’s Parochial Church Council

The notes on pages 15 to 23 form part of these financial statements

Q

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St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

PAROCHIAL CHURCH COUNCIL OF ST LUKE’S, WATFORD NOTES TO THE FINANCIAL STATEMENTS

For the year ended 31 December 2021

1 ACCOUNTING POLICIES

The financial statements have been prepared in accordance with the Church Accounting Regulations 2006 and the Charities Statement of Recommended Practice (SORP) FRS102. The financial statements have been prepared under the historical cost convention, as modified by the revaluation of land and buildings and investments. The PCC is a Public Benefit Entity as defined by FRS 102.

Critical accounting estimates and judgements

In the application of the PCC’s accounting policies, the members of the PCC are required to make judgements, estimates and assumptions about the carrying amount of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised where the revision affects only that period, or in the period of the revision and future periods where the revision affects both current and future periods.

Going concern

The members of the PCC assess whether the use of going concern is appropriate i.e. whether there are any material uncertainties related to events or conditions that may cast significant doubt on the ability of the PCC to continue as a going concern. The members of the PCC make this assessment in respect of a period of at least one year from the date of authorisation for issue of the financial statements and have concluded that the PCC has adequate resources to continue in operational existence for the foreseeable future. Thus, the PCC continues to adopt the going concern basis of accounting in preparing the accounts.

Funds

General Fund represents the funds of the PCC that are not subject to any restrictions regarding their use and are available for application on the general purposes of the PCC. Funds designated for a particular purpose by the PCC are also unrestricted. Maintenance Fund is unrestricted and designated by the PCC to fund long term maintenance of church premises. Staff Development Fund is unrestricted and designated by the PCC to fund increases in staff numbers per the five year plan. Earmarked Fund handles funds which have been donated for a specific purpose and are thus ‘earmarked’ for that purpose. Partnership Fund (previously Thanksgiving Fund) handles funds donated by way of appeal, to enable the Church to make specific grants to other churches and Christian organisations.

The accounts include all transactions, assets and liabilities for which the PCC is responsible in law. They do not include the accounts of church groups that owe their main affiliation to another body nor those that are informal gatherings of Church members.

Incoming Resources

Voluntary income and activities for generating funds

Collections are recognised when received by or on behalf of the PCC. Income tax recoverable on gift aid donations is recognised when the donations are recognised. Grants and legacies to the PCC are accounted for as soon as the PCC is notified of its legal entitlement and the amount due. Funds raised at social and similar events are accounted for gross. Sales of books and magazines are accounted for gross.

Activities related to church work

Rental income from the letting of church premises is recognised when the rental is due.

Investment income

Interest and dividends are accounted for when receivable.

Resources expended

Grants

Grants and donations are accounted for when paid over, or when awarded, if that award creates a binding obligation on the PCC. The PCC has decided to make total grants in the year equal to 10% of the non-specific income to the General Fund. Grants are made to support living and other costs of other charities or individuals who have or have had a personal, established connection to St Luke’s church. The grants are made in support of the primary objects of the PCC.

Activities relating to church work

The diocesan parish share is accounted for when payable.

Page 15 of 26

St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

Fixed assets

Consecrated land and buildings and movable church furnishings

Consecrated and beneficed property is excluded from the accounts by s.10 of the Charities Act 2011. All of St Luke’s premises, with the exception of the Large Hall (formerly the church), the Chapel and 23 Orchard Close, are consecrated.

No value is placed on movable church furnishings held by the churchwardens on special trust for the PCC and which require a faculty for disposal since the PCC considers this to be inalienable property.

All expenditure incurred during the year on consecrated or beneficed buildings and movable church furnishings, whether maintenance or improvement, is written off as expenditure in the SOFA and separately disclosed.

Other fixtures, fittings, furniture and office equipment

Fixtures and fittings are depreciated on a straight line basis over 5 years and furniture and equipment over 4 years. Individual items costing less than £1,000 are not capitalised but are fully written off in the year of acquisition.

Current assets

Amounts owing to the PCC at 31 December in respect of fees, rents or other income are shown as debtors less provision for amounts that may prove uncollectable .

Cash and cash equivalents include cash in hand, deposits held at call with banks. Short-term deposits include cash held on deposit either with the CBF Church of England Funds or at the bank.

Financial instruments

The PCC has elected to apply the provisions of Section 11 ‘Basic Financial Instruments’ and Section 12 ‘Other Financial Instruments Issues’ of FRS 102 to all of its financial instruments.

Financial instruments are recognised in the PCC's balance sheet when the PCC becomes party to the contractual provisions of the instrument.

Financial assets and liabilities are offset, with the net amounts presented in the financial statements, when there is a legally enforceable right to set off the recognised amounts and there is an intention to settle on a net basis or to realise the asset and settle the liability simultaneously.

Basic financial assets

Basic financial assets, which include debtors and cash and bank balances, are initially measured at transaction price including transaction costs and are subsequently carried at amortised cost using the effective interest method unless the arrangement constitutes a financing transaction, where the transaction is measured at the present value of the future receipts discounted at a market rate of interest. Financial assets classified as receivable within one year are not amortised.

Creditors and provisions

Creditors and provisions are recognised where the PCC has a present obligation resulting from a past event that will probably result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors and provisions are normally recognised at their settlement amount after allowing for any trade discounts due.

Basic financial liabilities

Basic financial liabilities, including creditors and bank loans are initially recognised at transaction price unless the arrangement constitutes a financing transaction, where the debt instrument is measured at the present value of the future payments discounted at a market rate of interest. Financial liabilities classified as payable within one year are not amortised.

Debt instruments are subsequently carried at amortised cost, using the effective interest rate method.

Trade creditors are obligations to pay for goods or services that have been acquired in the ordinary course of operations from suppliers. Amounts payable are classified as current liabilities if payment is due within one year or less. If not, they are presented as non-current liabilities. Trade creditors are recognised initially at transaction price and subsequently measured at amortised cost using the effective interest method.

Derecognition of financial liabilities

Financial liabilities are derecognised when the PCC’s contractual obligations expire or are discharged or cancelled.

Risk Management

Financial risk is managed through budgets and regular reporting of the management accounts to the PCC.

Page 16 of 26

St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

PAROCHIAL CHURCH COUNCIL OF ST LUKE’S, WATFORD

NOTES TO THE FINANCIAL STATEMENTS (continued)

for the year ended 31 December 2021

2 COMPARATIVE NUMBERS
FOR 2020
Income from:
Donations and legacies
Charitable activities
Other trading activities
Investments
Other income
Total income
Expenditure on:
Charitable activities
Grants
Other charitable activities
Total expenditure
Net gains/(losses) on
investments
Net income/expenditure
Net movement in funds
Reconciliation of funds:
Total funds brought forward
Total funds carried forward		 Unrestricted
funds
Restricted
funds
Total funds
£
£
£
226,005
17,061
243,066
22,942
0
22,942
15,600
0
15,600
1,345
0
1,345
310
0
310
266,202
17,061
283,263
26,000
12,057
38,057
240,212
12
240,224
266,212
12,069
278,281
926
0
926
916
4,992
5,908
916
4,992
5,908
758,904
4,384
763,288
759,820
9,376
769,196

Page 17 of 26

St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

PAROCHIAL CHURCH COUNCIL OF ST LUKE’S, WATFORD NOTES TO THE FINANCIAL STATEMENTS (continued)

For the year ended 31 December 2021

3
INCOME FROM:
3(a)Donations and legacies
Planned Gift Aided
Unplanned Gift Aided
Income tax recoverable
CAF & Stewardship
Cash collections, legacies &
donations
3(b)Charitable activities
Room lettings
Church events
Fees
Other related to church work
Books and photocopies
3(c)
Other trading activities
Rent received from Orchard Close
Fund raising
3(d)
Investments
Interest and dividends
3(e)
Other income
Total income		 Unrestricted
Funds
Restricted
Funds
Total funds
2021
2020
£
£
£
£
117,487
0
117,487
124,152
31,361
29,079
60,440
38,699

37,480
7,328
44,808
41,348
5,023
2,525
7,548
10,197
29,310
3,690
33,000
28,670
220,661
42,622
263,283
243,066
27,217
0
27,217
19,007
3,009
0
3,009
332
1,304
0
1,304
1,400
1,270
0
1,270
806

605
0
605
1,397
33,405
0
33,405
22,942
15,600
0
15,600
15,600
0
0
0
0
15,600
0
15,600
15,600
736
0
736
1,345
736
0
736
1,345
300
0
300
310
270,702
42,622
313,324
283,263

Page 18 of 26

St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

PAROCHIAL CHURCH COUNCIL OF ST LUKE’S, WATFORD NOTES TO THE FINANCIAL STATEMENTS (continued) For the year ended 31 December 2021

4
EXPENDITURE ON:
4(a)Grants
The Church overseas
National Charities
The Church at home
Local charities & others
4(b)
Other charitable activities
Parish Share
Premises running costs
Youth and children
Music director and music costs
Administrator and assistant
Administrative expenses
Church events
Printing and stationery
Adult groups and outreach
Catering
Vicar’s expenses
Books & bible notes
Governance costs (note 15)
Total expenditure
5
STAFF COSTS
Salaries and allowances
National Insurance
Pensions		 Unrestricted
Funds
Restricted
Funds
Total funds
2021
2020
£
£
£
£
9,200
8,123
17,323
13,428
2,500
15,130
17,630
1,575
8,750
11,348
20,098
13,468
5,550
9,540
15,090
9,586
26,000
44,141
70,141
38,057

112,922
0
112,922
117,019
38,207
0
38,207
36,665
37,857
0
37,857
31,589
26,180
0
26,180
25,614

21,387
0
21,387
18,455
3,439
5
3,444
3,357
2,028
0
2,028
991

1,958
0
1,958
1,982
1,784
0
1,784
329
1,300
0
1,300
365
1,133
0
1,133
929

985
0
985
2,221
726
0
726
708
249,906
5
249,911
240,224
275,906
44,146
320,052
278,281

60,662
0
60,662
53,174
0
0
0
0
3,131
0
3,131
2,046
63,793
0
63,793
55,220

During the year the PCC employed an Administrator, an Assistant Administrator, a Youth Director, a Children & Families leader and an Associate Music Leader, none of whom earned more than £60,000 p.a. No member of the PCC received any reimbursement of expenses or remuneration from employment, except as referred to in Notes 14 and 16. The PCC contributes to a defined contribution pension scheme for the benefit of its employees. Contributions payable are charged to the statement of financial activities in the year that they are payable. The amounts paid during the year are as shown above.

Page 19 of 26

St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

PAROCHIAL CHURCH COUNCIL OF ST LUKE’S, WATFORD NOTES TO THE FINANCIAL STATEMENTS (continued)

For the year ended 31 December 2021

6
FIXED ASSETS FOR USE BY THE PCC
6(a)
Tangible
Cost or valuation
At 1 January
Additions
Revaluation adjustment
At 31 December
Depreciation
At 1 January
Charge for the year
At 31 December
Net book value
At 31 December		 2021
2020
£
£
£
£
Land &
Buildings
Furniture,
Fittings &
Equipment
Total
Total

600,000
28,966
628,966
628,966
0
0
0
0

0
0
0
0

600,000
28,966
628,966
628,966

0
28,966
28,966
28,576
0
0
0
390

0
28,966
28,966
28,966

600,000
0
600,000
600,000

Notes

(a) in accordance with the appropriate accounting policy (based on the Charities Act 2011 and the Charities SORP (FRS102)), the cost of the new church and associated buildings has been excluded, as the whole complex comprises Consecrated Land & Buildings;

(b) the PCC regards all the moveable church furniture and fittings (primarily the seating, audio-visual equipment and the organ) as inalienable property which would require a faculty for disposal;

(c) the value of 23 Orchard Close is based on the PCC's reasonable best estimate having regard to local market conditions as at 31 December 2021.

6(b)
Investments
Market value at 1 January
Additions at cost
Revaluation
Market value at 31 December		 £
£
27,175
26,249
0
(1,805)
926
25,370
27,175

During the year an investment has been held for the Unrestricted Funds in the CBF Church of England Fixed Interest Fund. The holding at 31 December 2021 was 16,021.53 shares and the value per share was 158.35p.

Page 20 of 26

St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

PAROCHIAL CHURCH COUNCIL OF ST LUKE’S, WATFORD

NOTES TO THE FINANCIAL STATEMENTS (continued)

For the year ended 31 December 2021

7
FINANCIAL INSTRUMENTS
Carrying amount of financial assets
Debt instruments measured at
amortised cost
Carrying amount of financial
liabilities
Measured at amortised cost
8
DEBTORS
Income tax recoverable
Accrued income
Prepayments & deposits
9
AMOUNTS FALLING DUE WITHIN ONE YEAR
Creditors for goods and services
Accrued expenses
Other creditors
10
ANALYSIS OF NET ASSETS BETWEEN FUNDS
Unrestricted
Restricted
£
£
Fixed assets
625,370
0
Current assets
132,690
7,852
Current liabilities
(5,249)
0
Fund balance
752,811
7,852
11
UNRESTRICTED FUND DETAIL
General Fund: Capital reserve
General Fund: Current reserve
Maintenance Fund
Staff development Fund
12
RESTRICTED FUND DETAIL
Earmarked Fund
Partnership Fund		 7
FINANCIAL INSTRUMENTS
Carrying amount of financial assets
Debt instruments measured at
amortised cost
Carrying amount of financial
liabilities
Measured at amortised cost
8
DEBTORS
Income tax recoverable
Accrued income
Prepayments & deposits
9
AMOUNTS FALLING DUE WITHIN ONE YEAR
Creditors for goods and services
Accrued expenses
Other creditors
10
ANALYSIS OF NET ASSETS BETWEEN FUNDS
Unrestricted
Restricted
£
£
Fixed assets
625,370
0
Current assets
132,690
7,852
Current liabilities
(5,249)
0
Fund balance
752,811
7,852
11
UNRESTRICTED FUND DETAIL
General Fund: Capital reserve
General Fund: Current reserve
Maintenance Fund
Staff development Fund
12
RESTRICTED FUND DETAIL
Earmarked Fund
Partnership Fund		 2021
2020
£
£
6,919
4,751
2,096
756
£
£
4,461
3,585
2,458
1,166
3,467
1,976
10,386
6,727
£
£
2,096
756
3,153
2,542
0
278
5,249
3,576
Total funds
2021
2020

£
£
625,370
627,175
140,542
145,597
(5,249)
(3,576)
752,811
7,852		 760,663
769,196
£
£
600,000
600,000
48,621
50,260
56,690
59,560
47,500
50,000
752,811
759,820
£
£
5,348
9,372
2,504
4
7,852
9,376

Page 21 of 26

St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

PAROCHIAL CHURCH COUNCIL OF ST LUKE’S, WATFORD NOTES TO THE FINANCIAL STATEMENTS (continued) For the year ended 31 December 2021

13 STATEMENT OF FUNDS

Fund name Balance b/f
Income
Expense
£
£
£
General (capital)
600,000
0
0
General (current)
50,260
270,672
(275,906)
Maintenance
59,560
30
0
Staff development
50,000
0
0
Earmarked
9,372
25,136
(29,160)
Partnership
4
17,486
(14,986)
TOTAL FUNDS
769,196
313,324
(320,052)
COMPARATIVE NUMBERS FOR 2020
Fund name Balance b/f
Income
Expense
£
£
£
General (capital)
600,000
0
0
General (current)
48,102
265,944
(266,212)
Maintenance
60,802
258
0
Staff development
50,000
0
0
Earmarked
4,367
15,849
(10,844)
Partnership
17
1,212
(1,225)
TOTAL FUNDS
763,288
283,263
(278,281)
14
TRUSTEES’ REMUNERATION, BENEFITS AND EXPENSES
Expenses paid to Trustees (Vicar’s working expenses)
No of Trustees receiving expenses
15
GOVERNANCE COSTS
Fees for Independent Examiner		 Balance b/f
Income
Expense
£
£
£
600,000
0
0
50,260
270,672
(275,906)
59,560
30
0
50,000
0
0
9,372
25,136
(29,160)
4
17,486
(14,986)		 Gain/loss
/transfer
Balance c/f
£
£
0
600,000
3,595
48,621
(2,900)
56,690
(2,500)
47,500
0
5,348
0
2,504
769,196
313,324
(320,052)		 (1,805)
760,663
Gain/loss
/transfer
Balance c/f
£
£
0
600,000
2,426
50,260
(1,500)
59,560
0
50,000
0
9,372
0
4
763,288
283,263
(278,281)		 926
769,196
2021
2020
£
£
1,133
929
1
1
726
708

Page 22 of 26

St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

PAROCHIAL CHURCH COUNCIL OF ST LUKE’S, WATFORD NOTES TO THE FINANCIAL STATEMENTS (continued)

For the year ended 31 December 2021

16 RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS
Fees paid to a party, acting as Musical Director of the church,
related to a Trustee (A Cooke) (2020 P Boxhall)
Funds received from an appeal paid to Rafiki Thabo Foundation
of which a Trustee (P Evans) is a Trustee
Funds paid from General Funds to Rafiki Thabo Foundation of
which a Trustee (P Evans) is a Trustee
Funds paid to New Hope, Watford of which the spouse of a
Trustee (J Sills) is a Trustee
Funds paid to Friends International to support the work of the
daughter of a Trustee (S Miller)
Rent received from a Trustee (A Cooke) and her spouse in
respect of a PCC property.
The PCC considers the rent to be at an appropriate level		 2021
2020
£
£
20,314
8,493
14,981
0
1,250
750
1,240
1,049
1,625
1,625
15,600
15,600

Page 23 of 26

St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

STATEMENT OF PCC RESPONSIBILITIES IN RESPECT OF THE ANNUAL REPORT AND FINANCIAL STATEMENTS

The Charities Act 2011 requires the PCC to prepare financial statements for each financial year, which give a true and fair view of the PPC’s financial activities during the year, and its financial position at the end of the year. In preparing financial statements, the PCC seeks to:

PCC members have overall responsibility for ensuring the PCC has appropriate systems of controls, financial and otherwise. They are also responsible for keeping proper records which disclose and explain with reasonable accuracy at any time the financial position of the PCC and enable them to ensure that the financial statements comply with the 2011 Act. They are also responsible for safeguarding the assets of the PCC and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities and to ensure that:

As far as the PCC is aware, there are no relevant examination information (information needed by the PCC’s independent examiner (“Examiner”) in connection with preparing this report) of which the Examiner is unaware. Each member of the PCC has taken all the steps that they ought to have taken as members of the PCC in order to make themselves of any relevant examination information and to establish that the Examiner is aware of that information.

Page 24 of 26

St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

INDEPENDENT EXAMINER’S REPORT TO THE TRUSTEES OF ST LUKE’S PAROCHIAL

CHURCH COUNCIL

I report to the trustees on my examination of the accounts of Parochial Church Council (“PCC”) for the year ended 31 December 2021.

Responsibilities and basis of report

As members of the PCC you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 (the 2011 Act).

I report in respect of my examination of the PCC’s accounts carried out under section 145 of the 2011 Act. In carrying out my examination I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.

Independent examiner's statement

Your attention is drawn to the fact that the PCC has prepared accounts in accordance with Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) in preference to the Accounting and Reporting by Charities: Statement of Recommended Practice issued on 1 April 2005 which is referred to in the extant regulations but has now been withdrawn.

I understand that this has been done in order for accounts to provide a true and fair view in accordance with Generally Accepted Accounting Practice effective for reporting periods beginning on or after 1 January 2015.

Since the PCC’s gross income exceeded £250,000 your examiner must be a member of a body listed in section 145 of the 2011 Act. I confirm that I am qualified to undertake the examination because I am a member of The Institute of Chartered Accountants in England and Wales, which is one of the listed bodies.

I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

Gary Howard FCA Howard Wilson Chartered Accountants 36 Crown Rise

Watford Hertfordshire WD25 0NE Date: 30 March 2022

Page 25 of 26

St Luke’s, Watford Charity Reg No. 1130376

2021 Annual report and financial statements FINAL VERSION

ADMINISTRATIVE INFORMATION

St Luke’s church is situated in Langley Way, Watford. It is part of the Diocese of St Albans within the Church of England. The correspondence address is Church Office, St Luke’s Church, Langley Way, Watford, WD17 3EG.

PCC members who have served at any time from 1 January 2021 until the date of this report are listed below. Where a member has served only part of that period, the relevant month of appointment or resignation is shown.

Appointed
Ex-officio
Revd Michael Norman
Vicar
Dave Clarke
Reader
Susan Miller
Churchwarden
John Williamson
Churchwarden
Elected
Helen Booth
Mary Bowen
Deanery Synod
Mave Clarke
Adrienne Cooke
Maria Cowle
May 2021
Colin Davies
Cynthy Davies
Deanery Synod
Helen Donnelly
Paul Evans
Jeff Gibbs
Ben Greenstreet
May 2021
James Harvey
Apr 2021
Joy Hobbs
Steve Jenkins
Jos Lawrance
Katie Llewellyn
Apr 2021
Ann MacLeod
John Sills
Cate Sims
Wendy Somerville
Deanery Synod
Dean Tearle
Apr 2021
Richard Waddington
Apr 2021
Incumbent:
Revd Michael Norman
Independent Examiner:
Gary Howard FCA
Howard Wilson Chartered Accountants
36 Crown Rise
Watford
WD25 0NE
Bank:
Barclays Bank plc
High Street
Watford		 Resigned
Apr 2021
Oct 2021
Apr 2021
Apr 2021
Apr 2021

Page 26 of 26