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2025-12-31-accounts

St Peter's Church, Monkseaton

Annual Report

and

Financial Statements

of the

Parochial Church Council

for the year ended 31 December 2025

Incumbent:

Revd Dr Hannah F Cleugh

The Vicarage

6 Elmwood Road

Monkseaton

Banks:

Lloyds Bank plc 257 Whitley Road Whitley Bay

Co-operative Bank plc P O Box 250 Skelmersdale

Independent examiner:

Trevor Hogg ACA

38 Stanhope Road

South Shields

Registered Charity Number 1131294

St Peter's Church, Monkseaton

Annual Report

for the year ended 31 December 2025

Contents

Page
Annual report and review 1 to 3
Independent Examiner's Report 4
Statement of Financial Activities 5 & 6
Notes to the Financial Statements 7 to 10

St Peter's Church - Annual Report for 2025

Administrative information

St Peter's Church is situated on the corner of Woodleigh Road and Elmwood Road, Monkseaton, Whitley Bay. The correspondence address is St Peter's Vicarage, 6 Elmwood Road, Monkseaton, Whitley Bay, NE25 8EX.

Membership

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

During the year the following served as members of the PCC.

Incumbent: Revd Canon Dr H F Cleugh
Curate Revd F Walsh
Wardens: Mrs J M Coulson
Ms H McDermott Retired 27.04.25
S P Storey Appointed 27.04.25
Representative on
the Diocesan Synod: None
Representative on
the Deanery Synod: Mrs E G Mitchell
Ms H McDermott Appointed 27.04.25
Elected members: Mrs E M Bryant
Mrs B Burnett
Mrs J E Clarkson Appointed 27.04.25
Dr D Cranswick Appointed 27.04.25
S A Doku
Mrs P A Hood
Mrs A McKeith
Mrs B P Packer Appointed 27.04.25
Mrs J. V. Porter Died 10.11.25
A Sneddon Treasurer
Mrs S Storey Appointed 27.04.25
Mrs M Wilcox Left 23.12.25

Committees and Groups

In 2025 the only committee to meet has been :- Standing Committee

This is the only committee required by law. It has power to transact the business of the PCC between its meetings, subject to any directions given by the Council.

Structure, governance and management

The method of appointment of PCC members is set out in the Church Representation Rules. All church attendees are encouraged to register on the Electoral Roll and stand for election to the PCC.

1

St Peter's Church - Annual Report for 2025 (Continued)

Objectives and activities

The PCC has the responsibility of co-operating with the Incumbent in promoting the ecclesiastical parish, the whole mission of the Church; pastoral, evangelistic, social and ecumenical.

It also has maintenance responsibilities for the Church and the Crosskeys Community Hall.

Safeguarding

As a church we are committed to caring for all people safely. The Parochial Church Council adopts the House of Bishops' policy statement Promoting a Safer Church. Our safeguarding policy is reviewed by the PCC and re-affirmed at the APCM. At the APCM in 2024, Elisabeth Bryant was appointed as Parish Safeguarding Officer, Elisabeth Mitchell as DBS Administator, and Barbara Packer as Children and Vulnerable Adults Advocate. In line with Newcastle diocesan policy, safeguarding policies and administration are managed through the use of the Parish Safeguarding Dashboard.

Church attendance

2025 saw a complete revision of the electoral roll. There are 115 names on the new roll (164 on the previous). Usual Sunday attendance has increased slightly since 2024. Christmas services were particularly well attended. There has been a significant increase in the size of the total worshipping community, with a number of new members. During the year there were 2 marriages in Church (0 in 2024) and 14 funerals took place (10 in 2024) of which 8 were held in Church (5 in 2024). 11 baptisms took place in 2025 (2 in 2024). We also presented 6 candidates for confirmation at a service in St Peter's in July.

Review of the year

As the overview below indicates, 2025 has been a busy year in the life of the parish. We were particularly delighted to celebrate with our curate, the Revd Francesca Walsh, as she was priested and presided at the eucharist for the first time at Petertide. It was a pleasure also to have Emily Emmerson-Finch, an ordinand from Lindisfarne College of Theology, on placement with us. During the year we have marked with sadness the deaths of retired Reader Anne Bartlett, and then in November, our reader and PCC member, Jan Porter.

We continue to work with our neighbours at Billy Mill and Shiremoor to establish ministry for Murton Park. Ecumenical services were held for Good Friday, Remembrance and Christmas together with

St Andrew's URC and Monkseaton Methodists. A joint service was held for Christian Aid Week with St Andrew's URC, for which we welcomed a speaker from Christian Aid.

We have been pleased to welcome Monkseaton High and Middle Schools, and Appletree Gardens and Langley First Schools into church in the year, for services, events and classroom visits.

As the report below indicates we have undertaken further work on the fabric of the building, all of which is to serve making the church more welcoming and accessible. The building remains generally open during daylight hours, and is well-used by the local community as well as by those who attend public worship here.

1. Worship

The main service of the week continues to be the Sunday 10am parish eucharist, with a said service of Holy Communion at 8.30am. During 2025 we took the decision to reduce Sunday evening prayer to usually once a month (last Sunday). Storybook Church meets in the afternoon on the second Sunday of the month. There is a midweek eucharist on a Wednesday morning, and Oasis meets fortnightly. A series of silent meditation and compline took place in the autumn. The principal feasts of the church are observed.

A small number of parishioners receive holy communion at home regularly.

Following consultation with the congregation, the PCC resolved to seek permission from the Bishop to admit baptised children to communion before confirmation, and this was granted.

We have been pleased during the year to have some of our young people begin serving regularly at the parish eucharist. We note with particular appreciation the continued contribution of our choir to our worship.

2. Christian nurture

During 2025, we again offered joint programmes for Lent and Advent with St Paul's Whitley Bay, and St Mary's Monkseaton. We offered a study course in the parish exploring 'Ways of Praying', and a study morning exploring the Nicene Creed, with particular reference to 2025 being the 1700th anniversary of the Council of Nicaea, for which we also provided copies of the Church of Enfland's 'We Believe' booklet. During the year, Oasis has reflected on animals in the Bible, and on the saints to whom the parishes of the Tynemouth deanery are dedicated,

2

St Peter's Church - Annual Report for 2025 (Continued)

3. Social, fundraising, and charitable giving

During the year, the St Peter's Women's Fellowship and Mothers' Union met regularly to fulfil their several purposes. Pebbles Baby and Toddler Group met weekly during termtime, run by church members, and continues to be well attended and a core element of our regular outreach to the wider community.

Social and fundraising events included a number of coffee mornings, a Burns Night Supper and Ceilidh, a soup and pancake lunch on Shrove Tuesday, Christian Aid big breakfast, a spring craft fayre, a summer concert, a 'Curry and Ceilidh' evening, a parish Christmas lunch, and a film and supper evening showing 'Tinderbox', exploring the conflict in Israel-Palestine. Fundraising has been for parish, and also for Christian Aid, the Fairtrade Foundation, and the specific appeals listed below. Members of the congregation contributed generously towards the Mothers' Union's appeal for backpacks for prisoners on release, and towards Christmas backpacks to be distributed by the People's Kitchen, and in support of the BAY foodbank,This included a Christmas giving tree providing presents for children locally whose families are supported by the foodbank. Christmas Eve collections were again divided between church and the Children's Society

4. Fabric

The main capital expenditure on the building was the long-awaited upgrade to the church lighting, which was funded by a generous donation from a parishioner.

The most obvious piece of work has been the development of a new children's area in the heart of the nave. We have also had to undertake a number of smaller maintenance tasks on the church and hall, and are aware that there will be more such work to do to keep the building fit for mission, including necessary work on the electrics. Both church and hall remain in largely good condition, and the grounds are well-maintained.

This was recognised in the summer when the church gardens were placed in the North Tyneside in Bloom community category. We note our particular thanks to all those who maintain the church, hall, and grounds.

5. Eco-Church

We were delighted to be awarded our Eco-Church Silver Award in May, and are now working towards Gold. Significant in our achieving Silver was our development of our outside space, including wildflowers, a bug hotel, a labyrinth, registering with the Quiet Garden Movement, and running a children's activity morning in National Children's Gardening Week. The provision of blister pack recycling boxes in church has proved particularly successful. The parish has an environmental policy and keeps this under review.

Finance

The responsibility for our financial wellbeing as a church falls upon the PCC and later in these reports you will find details of our financial statements for the last financial year. Grateful thanks to our treasurer, Alex Sneddon, for maintaining the financial records during the year and for producing these statements.

Planned Giving continues to be the main source of income for the day to day needs of the parish. Membership of the Planned Giving Scheme was maintained and pledged giving increased marginally to £60,133, (2024 - £56,734). Donations amounting to £55,787 have been able to attract Gift-Aid (£52,257 in 2024) which has enabled the Church to claim from the Inland Revenue £13,947 (£13,064 in 2024).

The planned giving review scheduled for the autumn was postponed owing to the need to change the church banking arrangements. Further claims have been made to the Inland Revenue under the Small Donations Scheme. £2,375 was receivable over the course of 2025 (£616 in 2024).

The total income amounted to £115,758 (2024 - £115,398) with expenditure totalling £123,235 (2024 - £167,613). The major expenditure in the year (as ever) was our parish share contribution of £60,000,

The PCC has committed to paying £64,800 in 2026. The PCC undertook to keep this under review, in the hope that a greater parish share contribution be made if circumstances allow.

On behalf of the PCC

Rev Canon Dr Hannah F Cleugh

9th February 2026

3

Independent examiner's report to the PCC of St Peter's, Monkseaton

This report on the financial statements of the PCC for the year ended 31 December 2025, which are set out on pages 4 to 10, is in respect of an examination carried out in accordance with the Church Accounting Regulations 2006 (the Regulations) and the Charities Act 2011 (the Charities Act)

Respective responsibilities of the PCC and the examiner

As members of the PCC you are responsible for the preparation of the accounts; You consider that an audit is not required for this year under section 144 of the Charities Act 2011 (the Charities Act) and that an independent examination is needed.

It is my responsibility to :

Basis of independent examiner's statement

My examination was carried out in accordance with the general Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from the trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently no opinion is given as to whether the accounts present a 'true and fair' view and the report is limited to those matters set out in the statement below.

Independent examiner's statement

In connection with my examination, no matter has come to my attention:

  1. which gives me reasonable cause to believe that in any material respect, the requirements

  2. to keep accounting records in accordance with section 130 of the Charities Act; and

  3. to prepare accounts which accord with the accounting records and comply with the accounting requirements of the Charities Act have not been met ; or

  4. to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.

(signed)

Trevor Hogg ACA

31st March 2026

4

Parochial Church Council of St Peter's, Monkseaton Statement of Financial Activities

For the year ending 31 December 2025

For the year ending 31 December 2025
Note
INCOMING RESOURCES
Incoming resources from donors
2(a)
Other voluntary incoming resources
2(b)
Incoming resources from operating activities
- to further the Council's objects
2(c)
- to generate funds
2(d)
Income from investment
2(e)
Other incoming resources
2(f)
TOTAL INCOMING RESOURCES
RESOURCES EXPENDED
Grants
3(a)
Activities directly relating to the work of the church
3(b)
Church management and administration
3(c)
Cost of generating funds
3(d)
TOTAL RESOURCES EXPENDED
NET INCOMING/(OUTGOING) RESOURCES
BALANCES BROUGHT FORWARD
AT 1 JANUARY 2025
BALANCES CARRIED FORWARD
AT 31 DECEMBER 2025
Unrestricted
Restricted
Funds
Funds
2025
2024
£
£
£
£
82,768
4,130
86,898
78,426
1,068
6,938
8,006
16,369
11,393
0
11,393
13,372
7,782
0
7,782
5,631
1
0
1
113
395
1,283
1,678
1,487
TOTAL FUNDS
103,407
12,351
115,758
115,398
669
4,130
4,799
3,762
107,181
8,281
115,462
161,418
1,478
0
1,478
1,281
1,496
0
1,496
1,152
110,824
12,411
123,235
167,613
(7,417)
(60)
(7,477)
(52,215)
114,529
844
115,373
167,588
107,112
784
107,896
115,373

5

Parochial Church Council of St Peter's, Monkseaton Balance Sheet at 31 December 2025

Note
FIXED ASSETS
Tangible fixed assets
4
CURRENT ASSETS
Stock
5
Debtors
6
Short term deposits
Cash at bank and in hand
LIABILITIES: AMOUNTS FALLING DUE WITHIN ONE YEAR
7
NET CURRENT ASSETS
LIABILITIES: AMOUNTS FALLING DUE IN MORE THAN ONE YEAR
FUNDS
Unrestricted
8
Restricted
8
2025
2024
£
£
80,200
83,218
105
105
5,597
6,918
0
0
25,031
29,770
30,733
36,793
(3,037)
(4,638)
27,696
32,155
0
0
107,896
115,373
107,112
114,529
784
844
107,896
115,373

Approved by the Parochial Church Council on 9th February 2026 and signed on its behalf by:

Revd Canon Dr H F Cleugh

Mrs J Coulson

The notes on pages 7 to 10 form part of these accounts

6

Parochial Church Council of St Peter's, Monkseaton Notes to the Financial Statements

For the year ended 31 December 2025

1 ACCOUNTING POLICIES

The financial statements have been prepared in accordance with the Church Accounting Regulations 2006 together with applicable accounting standards and the Charities SORP 2005.

The financial statements have been prepared under the historical cost convention applying the accruals basis of accounting.

Funds

General funds represent 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. Restricted funds are those funds which can only be expended on the purpose designated by the grantor or donor.

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 which are regarded as informal gatherings of church members.

Incoming resources

Voluntary income and capital resources

Collections are recognized when received by or on behalf of the PCC.

Planned giving receivable, Gift Aided or otherwise, is recognized only when received.

Income tax recoverable on Gift Aid donations is recognized when the income is recognized.

Grants and legacies to the PCC are accounted for as soon as the PCC is notified of its legal entitlement,

the amount due is quantifiable and its ultimate receipt by the PCC is reasonably certain.

Funds raised by the Autumn fayre and similar events are accounted for gross.

Other income

Income arising from the use of the Crosskeys Community Hall is recognized when the income is due.

Income from investments

Interest entitlements are accounted for as they accrue.

Resources used

Grants

Grants and donations are accounted for when paid over, or when awarded, if that award creates a binding obligation on the PCC.

Activities directly relating to the work of the Church

The diocesan parish share is accounted for as it accrues.

Fixed assets

Consecrated property and movable church furnishings

Consecrated and beneficed property of any kind is excluded from the accounts by s.96(2)(a) of the Charities Act 1993, although the expenditure thereon is included in resources expended.

Movable church furnishings held by the Vicar and Churchwardens on special trust of the PCC, and which require a faculty for disposal, are accounted as inalienable property unless consecrated. They are listed in the Church ledger, which can be inspected (at any reasonable time).

Freehold property

The cost of the extension to the Crosskeys Community hall is depreciated on a straight line basis over 50 years.

7

Parochial Church Council of St Peter's, Monkseaton Notes to the Financial Statements

For the year ended 31 December 2025

1 ACCOUNTING POLICIES (continued) Fixed assets

Other fixtures, fittings and office equipment

Equipment used within the church premises is depreciated on a straight line basis over 5 years. Individual items of equipment with a purchase price of £300 or less are written off when the asset is acquired.

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 irrecoverable.

Short term deposits include cash held on deposit with the CBF Church of England Funds or at the bank.

2 INCOMING RESOURCES

2 (a) Incoming resources from donors
Planned giving:
Gift Aid donations
Income tax recoverable
Other planned giving
Collections
Donations & Collection boxes
Small donations tax reclaimed
2 (b) Other voluntary incoming resources
Grants
Donations, appeals, etc
Legacies
2 (c) Incoming from operating activities
to further the Council's objects
Bookshop
Toddler Group
Crosskeys Community hall lettings etc
Fees for weddings etc
2 (d) Incoming from operating activities
to generate funds
Magazine advertising
Autumn fayre
Other fund raising events
2 (e) Income from investment
Interest receivable
2 (f)
Other ordinary incoming resources
Miscellaneous
TOTAL INCOMING RESOURCES
Unrestricted Restricted
Funds
Funds
2025
2024
£
£
£
£
55,787
55,787
52,257
13,947
13,947
13,064
4,346
4,346
4,477
4,412
4,412
2,504
1,901
4,130
6,031
5,508
2,375
2,375
616
TOTAL FUNDS
82,768
4,130
86,898
78,426
0
0
0
720
1,068
1,068
3,673
0
6,938
6,938
11,976
1,068
6,938
8,006
16,369
2
2
7
1,656
1,656
1,643
8,143
8,143
11,187
1,592
1,592
535
11,393
0
11,393
13,372
0
0
0
3,034
3,034
2,394
4,748
0
4,748
3,237
7,782
0
7,782
5,631
1
0
1
113
1
0
1
113
395
1,283
1,678
1,487
395
1,283
1,678
1,487
103,407
12,351
115,758
115,398

8

Notes to the Financial Statements

For the year ended 31 December 2025

3
RESOURCES EXPENDED
3 (a)
Grants
Charitable donations
3 (b)
Activities directly relating to the work of the Church
Ministry:
diocesan parish share
clergy expenses
vicarage & curate's house expenses
Church:
running expenses
maintenance
Music
New church porch project
New sound system
New church lighting
Architect's quinquennial report
ECO church expenses
Crosskeys Community hall running costs
Toddler Group
Organists' honoraria
Flowers
Miscellaneous expenditure
3 (c)
Church management and administration
Examiner fees
Printing and stationery
Photocopying
3 (d)
Costs of generating funds
Autumn fayre
Other fund raising costs
TOTAL RESOURCES EXPENDED
Unrestricted Restricted
Funds
Funds
2025
2024
£
£
£
£
669
4,130
4,799
3,762
TOTAL FUNDS
669
4,130
4,799
3,762
60,000
60,000
56,500
786
786
668
6,127
6,127
4,475
8,035
8,035
7,845
6,847
6,847
3,733
783
783
738
270
0
270
57,006
0
0
7,231
16
6,938
6,954
0
0
0
1,800
495
495
0
16,546
16,546
14,577
841
841
238
3,293
3,293
3,203
0
1,343
1,343
1,053
3,142
3,142
2,351
107,181
8,281
115,462
161,418
600
600
540
294
294
443
584
584
298
1,478
0
1,478
1,281
374
374
432
1,122
0
1,122
720
1,496
0
1,496
1,152
110,824
12,411
123,235
167,613

9

Parochial Church Council of St Peter's, Monkseaton Notes to the Financial Statements

For the year ended 31 December 2025

4 FIXED ASSETS FOR USE BY THE PCC

Freehold land
Plant &
and buildings equipment
Total
£
£
£
Tangible fixed assets
COST
At 1 January 2025
125,601
45,458
171,059
Additions
0
0
At 31 December 2025
125,601
45,458
171,059
DEPRECIATION
At 1 January 2025
45,450
42,391
87,841
Charge for the year
2,500
518
3,018
At 31 December 2025
47,950
42,909
90,859
NET BOOK VALUE
At 31 December 2025
77,651
2,549
80,200
At 1 January 2025
80,151
3,067
83,218
2025
2024
5
STOCK
Bookstall stock at cost
105
105
6
DEBTORS
Income tax recoverable
1,185
1,003
Prepayments
4,412
5,345
Other debtors
0
570
5,597
6,918
7
LIABILITIES: AMOUNTS FALLING DUE WITHIN ONE YEAR
Creditors and accruals
3,037
4,638
3,037
4,638
8
SUMMARY OF FUNDS HELD
Unrestricted Restricted
Funds
Funds
2025
2024
£
£
£
£
General fund
16,677
16,677
16,368
Flower fund
784
784
844
Legacies and gifts fund
4,591
0
4,591
4,608
Crosskeys Community Hall fund
85,093
85,093
93,094
200 club
751
751
459
107,112
784
107,896
115,373
Total funds
Freehold land
Plant &
and buildings equipment
Total
£
£
£
Tangible fixed assets
COST
At 1 January 2025
125,601
45,458
171,059
Additions
0
0
At 31 December 2025
125,601
45,458
171,059
DEPRECIATION
At 1 January 2025
45,450
42,391
87,841
Charge for the year
2,500
518
3,018
At 31 December 2025
47,950
42,909
90,859
NET BOOK VALUE
At 31 December 2025
77,651
2,549
80,200
At 1 January 2025
80,151
3,067
83,218
2025
2024
5
STOCK
Bookstall stock at cost
105
105
6
DEBTORS
Income tax recoverable
1,185
1,003
Prepayments
4,412
5,345
Other debtors
0
570
5,597
6,918
7
LIABILITIES: AMOUNTS FALLING DUE WITHIN ONE YEAR
Creditors and accruals
3,037
4,638
3,037
4,638
8
SUMMARY OF FUNDS HELD
Unrestricted Restricted
Funds
Funds
2025
2024
£
£
£
£
General fund
16,677
16,677
16,368
Flower fund
784
784
844
Legacies and gifts fund
4,591
0
4,591
4,608
Crosskeys Community Hall fund
85,093
85,093
93,094
200 club
751
751
459
107,112
784
107,896
115,373
Total funds
Freehold land
Plant &
and buildings equipment
Total
£
£
£
Tangible fixed assets
COST
At 1 January 2025
125,601
45,458
171,059
Additions
0
0
At 31 December 2025
125,601
45,458
171,059
DEPRECIATION
At 1 January 2025
45,450
42,391
87,841
Charge for the year
2,500
518
3,018
At 31 December 2025
47,950
42,909
90,859
NET BOOK VALUE
At 31 December 2025
77,651
2,549
80,200
At 1 January 2025
80,151
3,067
83,218
2025
2024
5
STOCK
Bookstall stock at cost
105
105
6
DEBTORS
Income tax recoverable
1,185
1,003
Prepayments
4,412
5,345
Other debtors
0
570
5,597
6,918
7
LIABILITIES: AMOUNTS FALLING DUE WITHIN ONE YEAR
Creditors and accruals
3,037
4,638
3,037
4,638
8
SUMMARY OF FUNDS HELD
Unrestricted Restricted
Funds
Funds
2025
2024
£
£
£
£
General fund
16,677
16,677
16,368
Flower fund
784
784
844
Legacies and gifts fund
4,591
0
4,591
4,608
Crosskeys Community Hall fund
85,093
85,093
93,094
200 club
751
751
459
107,112
784
107,896
115,373
Total funds
Freehold land
Plant &
and buildings equipment
Total
£
£
£
Tangible fixed assets
COST
At 1 January 2025
125,601
45,458
171,059
Additions
0
0
At 31 December 2025
125,601
45,458
171,059
DEPRECIATION
At 1 January 2025
45,450
42,391
87,841
Charge for the year
2,500
518
3,018
At 31 December 2025
47,950
42,909
90,859
NET BOOK VALUE
At 31 December 2025
77,651
2,549
80,200
At 1 January 2025
80,151
3,067
83,218
2025
2024
5
STOCK
Bookstall stock at cost
105
105
6
DEBTORS
Income tax recoverable
1,185
1,003
Prepayments
4,412
5,345
Other debtors
0
570
5,597
6,918
7
LIABILITIES: AMOUNTS FALLING DUE WITHIN ONE YEAR
Creditors and accruals
3,037
4,638
3,037
4,638
8
SUMMARY OF FUNDS HELD
Unrestricted Restricted
Funds
Funds
2025
2024
£
£
£
£
General fund
16,677
16,677
16,368
Flower fund
784
784
844
Legacies and gifts fund
4,591
0
4,591
4,608
Crosskeys Community Hall fund
85,093
85,093
93,094
200 club
751
751
459
107,112
784
107,896
115,373
Total funds
125,601 45,458
171,059
45,450
2,500
42,391
87,841
518
3,018
47,950 42,909
90,859
77,651 2,549
80,200
80,151 3,067
83,218
2025
2024
105
105
1,185
1,003
4,412
5,345
0
570
5,597
6,918
3,037
4,638
3,037
4,638
2025
2024
£
£
16,677
16,368
784
844
4,591
4,608
85,093
93,094
751
459
Total funds
107,112
784
107,896
115,373

10 It is the PCC's current policy to retain all reserves with a view to meeting any future unanticipated costs within the Church and the Crosskeys Community Hall.

10