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The Parish of St. Mark’s with St. Luke’s, Oulton Broad CHURCH REPORT 2025 (for Presentation at APCM in 2026)

The Oulton Broad Team Ministry hopes and prays to be A growing, Christ-centred community, led by the Holy Spirit, worshipping God and making disciples.

A charity registered in England and Wales no. 1131698

THE ANNUAL MEETING OF PARISHIONERS & ANNUAL PAROCHIAL CHURCH MEETING 2026

AGENDA

ANNUAL MEETING OF PARISHIONERS 2026

Prayer
Minutes of the last AMP
Nominations for the post of Churchwardens
Election of Churchwardens

APCM of 2025 (pertaining to the year 2025)

Prayer for new Churchwardens

Newly elected Churchwardens stand.

Will you pray for them and uphold them in their ministry? We will.

Apologies for absence
Minutes of last year’s meeting
Matters arising from minutes
Receiving of Reports and any Questions
a. Synod report
b. Safeguarding Officer’s report
c. Wardens' report including Fabric
d. PCC Report
e. Wardens' report
f. Electoral roll officer’s report
g. Treasurer's Report & approval of accounts
Election of New Deanery Synod Members for the new Deanery Synod members (for the 2023 to 2026 Triennium)
Election to the PCC (nominations may still be received at this meeting, but each nominee must be proposed & seconded)
Raised matters for the incoming PCC
Date of next PCC (at which there will be elections of officers)
Rector’s Report and Questions
Closing Prayer

MINUTES OF ANNUAL MEETING OF PARISHIONERS 2025

37 Parishioners in attendance including the Chair and Secretary

Helen prayerfully welcomed everyone to the meeting. The minutes of the last AMP had been previously circulated and were proposed by Geoff Ansdell and seconded by Dave Powell to be a true and accurate record, majority vote.

Election of Churchwardens

There are two vacancies for churchwardens and Dave Powell and Lesley Denny have been nominated to stand again. We elect them both.

MINUTES OF THE APCM OF 2025 (PERTAINING TO THE YEAR 2024)

Prayer for new Churchwardens

The new churchwardens stood, and the congregation were asked “Will you pray for them and uphold them in their ministry? We Will

Apologies for absence

Roz Trudgett, Richard and Avril Soanes, Janice and Peter Wood, Douglas and Julie Duke, Abbie Page, Christine and Malcolm Andrews.

Richard Nicholls, Ruth Pawsey, Adrian Ward.

Minutes of last year’s meeting

The minutes of last year’s meeting were circulated prior to the meeting. These were

proposed by Lesley Denny, seconded by Ros Waghorn as being a true and accurate record of the meetings. Majority vote.

Matters arising from minutes.

None forthcoming.

Receiving of Reports and any Questions

The reports were previously circulated and were taken as read.

The only questions asked from the reports was from Val Waterman who wanted to know the situation on the heating in St Mark’s church. Dave Powell replied to this stating that we had been having a trial of a heating panel which had proved successful. These will now be

installed (when funding allows) throughout our church in zones. It will then be possible just to heat certain areas of the church in use at the time. These zones will be able to be

controlled via a phone app and various members of the team will be able to switch the heating on or off from home.

Treasurer’s Report and Approval of Accounts

John went through his previously circulated finance report.

Highlights for St Mark’s 2024

Parish share paid in full £55135

Giving was up 9% to £61775

Expenditure from General Fund was maintained at £115000

The clergy do not claim their expenses.

General fund made small surplus of £909

Plus Diocese grant for young persons’ work (CPRX) £3804 spent Charity payments £8046 13% of giving.

Highlights for St Luke’s

Parish share paid in full £16804

Giving was up 12% to £13922

Success of Pantry – spent £8364 on food

Back rental for hall from Little Buddies

Plus Main expense was floor treatment £2440 from fabric fund

Now for 2025

Parish share has gone up St Mark’s and St Luke’s £74225 up 3.2%

Staff costs up 7% in line with min wage

Challenges: St Mark’s quinquennial and heating; St Luke’s quinquennial; fund raising?

Stewardship

Legacies

Vital statistics

St Mark’s general fund costs £115000 per year; reserve is £18000 which would only last 8 weeks.

St Luke’s general fund costs £32000 per year; reserve is £15000 which would last 24 weeks.

For St Mark’s and St Luke’s together, to balance the budgets needs giving of £80000 for 2025 with electoral roll of 108 this equates to £14 per week (£46 per month) Per Er member on average.

To event organisers/fund raisers

To in-house project teams And to all who assist with church finances

John opened the floor to any questions. None forthcoming.

John works so hard in the background, and we thank him so much for his work.

Helen says a couple of years in a row now we have had a budget that projected a deficit, and the deficits didn’t happen like we thought they would. We are therefore so grateful to our congregations for their generosity and the goodness of God.

We rely on God and he is not letting us down.

Election to the PCC

Richard Soanes, Mandy Marler, Mike Aldred and Alan Zipfel have resigned or come to the end of their 3 years in office. We therefore have 4 vacancies including a vacancy as a Deanery Synod Representative.

The following people have been nominated to join the PCC.

Peta Baker

Jill Mann

Richard Mann

Alan Zipfel

Harvey moves from being a PCC elected member to being a deanery synod representative and therefore we welcome the 4 nominees onto the PCC.

Raised Matters for the incoming PCC

Nothing forthcoming

Date of next PCC (at which there will be an election of officers)

6th May, 2025 7 pm.

Rector’s Report and Questions

Helen started her report by showing a video of photos of all the events from the last year.

Helen went through a huge list of thanks to all the people (and there are many) who help out at various groups and all the ministry team.

Our vision is to be

A growing Christ centred community, lead by the Holy Spirit, worshipping God and making disciples.”

Hello – Know – Grow – Sow

We are working hard on our communications, mental health and wellbeing, family, children and youth work, strategic prayer, going out, not just waiting for people to come in.

A recent polling by the Bible Society and YouGov points to a quiet resurgence in church attendance across the UK. The figures go against the long-held assumption that secularity is on the rise, especially among the young. (The Guardian Online 26/4/25)

A quiet revival? We need to be ready, there are particular signs of stirring amongst the young. We’ve had our youth grant which we could get a possible extension for. We are planning to initiate a Youth Café in the year ahead/possibly making a weekly family friendly congregation.

Helen then read out Hebrews 12:1-3

Helen finished in thanking everyone, she is enjoying being here and is looking forward to the year ahead, she thanked everyone for their personal support, prayer, kindness, gifts, encouragements and love.

Jane thanked Helen for all the work she does for us all.

Lesley expressed her thanks from St Luke’s to Dave Ray and Geoff for all their help with the fabric

Marilyn closed the meeting in prayer

RECTOR’S REPORT

For a Rector’s Report, I usually list off the events and activities that have taken place in the year in question and give thanks for all that was achieved.

I feel inclined to take a different approach this year. As always, I’m thankful for everything that has been achieved: for all the Services that were held; for the social and mission focussed events that took place; and for our ongoing engagement with schools and the wider community. I’m encouraged by new faces in our congregations and, even more than that, for new followers of Jesus who encourage and challenge those of us who have been Christians for many years. I’m saddened by the loss of friends who have gone home before us, but I am thankful for their faithfulness, and for the privilege of having known them.

A logo which was designed for our Oulton Broad Team Ministry Website, which I hope will be live very soon, states that we are 1 Team, 2 Parishes and 3 Churches.

As I look across our team, I see so many individuals who give of their time so selflessly, using their gifts in so many different ways. I see kindness, generosity, mutual support, fellowship and fun. I see hard-working teams and gifted individuals. I am particularly thankful for those who minister on Sunday mornings, or giving pastoral leadership midweek, and for our wonderfully committed Churchwardens. I see the diversity of our buildings and the varied locations in which they are placed. Each of our Churches has something unique to offer and it’s exciting to see the field at St Michael’s being used for mission once again. I’m thankful for my stipendiary colleagues, Andy and Jamie, and their commitment. We are so blessed with all the resources we have!

So, what next, as we move further into 2026 and beyond? Well, I feel that we are entering a whole new season, a new season of churchgoing and discipleship. And I believe that this means we will need to be prepared and ready to make changes.

At a recent church leadership conference, an Anglican church leader from Oxford reported how, every Sunday, they were seeing several new people saying that they’d encountered God in some kind of unusual way (e.g. in a dream) and had come to Church to find out more! Just to repeat that: they reported several people every single week! In short, I believe that

God is on the move in our nation and we need to be prayerful and ready for how this might impact us. It’s an exciting time!

We are 1 Team of 2 Parishes and 3 Churches, but we need to position ourselves for God’s purposes in this changing situation. This will mean taking some time to ask ourselves what is most important and allowing God to define our priorities and shape how we use our time.

Not long after I arrived in these Parishes, I felt that God was saying that he was giving us ‘new shoes’. What emerged was a new pattern of worship and some strategic goals. Once again, I feel that he is going to give us ‘new shoes’. I don’t think this will necessarily affect our pattern of worship, but I do feel that we may need to be prepared to make changes, perhaps stopping some of what we already do in order to make space for what may come.

See, I am doing a new thing! Now it springs up; do you not perceive it? I am making a way in the wilderness and streams in the wasteland. (Isaiah 43:19)

Thank you for being part of our family of Churches. May you continue to grow in discipleship and faith.

With love and prayer,

Helen

PCC REPORT

During the past year the PCC met on six occasions in full session and twice on exceptional occasions to move some urgent matters forward as necessary

Our meetings always begin with a Biblical thought and prayer to seek God’s guidance and we also pause halfway through for a short time of prayer. During 2025 the PCC Agenda always included reports from both Churchwardens, the Treasurer’s report, Safeguarding, and The Rector’s Roundups.

Our Agendas have also included (as appropriate) Mobile Phones for the Clergy, Caretaking Issues, Annual review of Hiring Rents, Church Heating (in the light of Gas Boiler problems) and the procurement and installation of the new electric Church heaters, refurbishment of the St. Luke’s Toilets, seeking Grants for major fabric issues, ECO Church and progress towards a Gold Award, Altar candles, re-roofing of two external small buildings, Budgets. There is always constructive discussion on such matters and the PCC remains very aware that we are doing God’s work and spending church finance wisely.

As Secretary since September 2025 I would like to take this opportunity to thank our Chairman and all the Members for their support, encouragement and understanding during this time.

Richard Soanes, PCC Secretary

CHURCHWARDENS’ REPORTS (INCLUDING ST. LUKE’S COUNCIL)

The fabric of the church is in good repair, mainly due to the on going work of our multitalented fabric team. The gardening team are also doing a brilliant job outside in the surrounding area.

We must also thank our office team, who keep us in order.

The church heating has been replaced and the new system is working well, thanks are due to our treasurer John for his help obtaining a substantial grant from the National Lottery. We still have to put up a plaque advising of their assistance which they gave as one of the conditions.

The Quinquennial report has been done and there is nothing in it of any concern. I would like to thank Helen, the PCC and the ministry team for their on going support.

Dave Powell

We have had a busy year with the complete re-furnishment of all three of our toilets. Cuppa, cake, Chat continues to be a time of good fellowship with a great mix of people.

The Pantry has a growing number of those who need the help we can offer and thanks to Jo Fowler for her dedicated organising skills and compassion in running The Pantry.

My thanks to Richard Mann for his great help and perseverance in seeking various grants - we could not have been financially successful with our toilet project or Pantry without his help.

We have had two Movie Nights which were great fun – my thanks to Fi Usher for her hard work in this venture and our other attempts at out-reach to our neighbours in the Whitton area. My grateful thanks to all who make St. Luke’s what it is and does so well.

Lesley Denny

ELECTORAL ROLL OFFICER

At the point of reopening the roll after last year’s APCM, the roll stood at 108. When the roll closed in March the number stood at 117. In the intervening year I received one written request to be removed from the roll and there were two deaths. It has been a great encouragement to see the number of people who have recently decided to be added to the electoral roll. Being on the roll not only gives you the right to vote at the APCM, and, therefore be a part of the ongoing life of the church, but also a sense of belonging. Should you wish to be added to the list, this can be done by filling out a form, which can be found in a wallet at the rear of church and handed in to the office.

Gerald Williams

TREASURER’S REPORT

St. Mark’s and St. Luke’s financial statements for 2025, which have been adopted by the PCC, are presented as a separate document to this report. They have been independently examined by Mrs Judith Hobbs and grateful thanks are extended to her.

For 2025 we can again be thankful that we were able to pay the Parish Share for both St Mark’s and St Luke’s in full; £57357 and £17337 respectively. On the income side, there was a welcome increase at St Mark’s in direct giving. Hall rental income at both churches was lower; at St Luke’s this income had been enhanced in 2024 due to a back payment from Little Buddies. Events income increased at both churches in 2025. Online giving at St Mark’s, particularly from the card reader was lower in 2025; online giving is also available for both churches via the website and QR codes.

Expenditure at both churches was kept in reasonable check and was less than in 2024 for both churches. Buildings only incurred routine expenses at both churches.

The net effect of income and expenditure from the General Funds was a surplus of £4265 at St Mark’s and a deficit of £1821 at St Luke’s. As a result, the General Fund reserves brought forward as at 1 January 2026 were £22067 for St Mark’s and £13410 for St Luke’s. The St Mark’s reserves are equivalent to only about 10 weeks of average expenditure. At St Luke’s there are about 23 weeks in reserve due to the smaller expenditure but we must try to stem the deficit which is unsustainable long-term.

It is noteworthy that in 2024 our two churches together paid about £7600 to charities, including Casa Hogar Vida, Foodbank, Barnabas Aid, Deaf Society, Suffolk Historic Churches, the Children’s Society, Macmillan and other charitable causes. The total donated was

equivalent to about 10% of direct regular giving. This is before mention of the Whitton Pantry (see below).

Other funds than the General Funds support specific needs. The benefice received a grant of £15,000 in 2025 for youth work, and this has supported activities with young people and relieved the parishes’ general funds. At St Luke’s the Whitton Pantry continues, in 2025 spending £8612 on food; we are especially grateful to Richard Mann and Jo Fowler and others for their work in obtaining grants from the Lowestoft Town Council and Grantscape to further the work of this highly successful enterprise.

Looking forward, Parish Share will continue to be a challenge; it is increased by 4% for the benefice for 2026. The PCC’s aim, in common with St Michael’s and other churches in the Deanery, is to continue to meet 100% of target. In the face of high energy costs, and further increased staff costs, as well as the projects for heating at St Mark’s, toilets at St Luke’s, balancing the books will be a continuing struggle. In 2026 and following years we face additional expenditure due to the results of the quinquennial churches’ inspections which have revealed some costly needs (particularly the roofing at St Luke’s). Please review giving in the current situation of pretty-well everything having increased in price so that we can continue to fund the Lord’s work.

The treasurer wishes to pay tribute to all the fund-raisers, grant applicants and event organisers for their work and all who assist in managing the church finances with such assiduous good stewardship. And thanks are as ever due for the continuing hard work by our cashiers who carry the responsible tasks of counting and banking the cash receipts: at St. Mark’s, Ray Collins and assistants; and at St Luke’s Sue White and assistants. Their help is indispensable.

John Hunt

SAFEGUARDING OFFICER’S REPORT

This last year has been challenging, mostly due to bouts of eye surgery that have curtailed some of my activities. However many things were attended to. I completed 12 DBS entries of which 7 were from St Mark’s. Attention was given regarding the behaviors of some persons, which was resolved over a short period of time. Prospects for the future have been given a boost as I am now a voluntary trainer for the Basic Awareness course and the Foundation of

Safeguarding course. This should be a great help for those who find the online route more difficult. Both Gemma and myself are keen to make the church a safe place for all.

Harry Waterman

ANNA CHAPLAIN REPORT

‘Even to your old age and grey hairs, I am He, I am He who will sustain you’. Isaiah 46:4

It has been a privilege once again to be in this pastoral and supportive ministry with older people both in their own homes and in care homes. To be an outreach chaplain, getting alongside carers and residents, hearing stories of younger days, of present fears and hopes. To pray with, and help support people in their spiritual journey, particularly when dementia seems to have taken over. It is a special and quiet ministry with those who have lost the words of everyday life but can sing ‘The Lord’s my shepherd’ without faltering.

I lead worship in Care homes using a multi-sensory approach, with prompts and a theme for each service. Themes I’ve used recently include Hydration and Lent, Doors, Nets and Sand. I include hymns that might be familiar and also listen to CD with an appropriate track.’ Be still for the presence of the Lord’ was very popular and touched those who were listening, including a carer. In December, Harleston House residents and some relatives enjoyed a Christingle service and the Dell Care home residents and carers had fun joining together with a nativity. It was a time to celebrate Jesus, Emmanuel, God with us.

And this is important. God with us. The people I come into contact with need to know that God is indeed with them. Through the difficulties, physical and mental pain, isolation and loneliness, uncertainty, disorientation, yes, God is there with them. What a wonderful reassurance to be able to give.

As I write this report, we are preparing to give out Bags of Blessings to Care homes as part of our Lent time. Thank you to everyone who has contributed to this project.

Challenges to pray for: when familiar faces have died in recent months who were faithful worshippers. For Oulton Park Care home where staff changes, shortages and lack of support have curtailed our presence there. Please pray for a future meeting with the manager and for the residents there.

I was asked to take part in Anna Chaplaincy online training recently, giving examples of my ministry and sharing with others my experiences to encourage more people to value this important role within the life of a church community.

Yes, the Lord has sustained and directed me and continues to do so. There’s blessings abound with smiling faces and the Lord’s prayer recited with gusto. Thank you for your continued prayers and support in this ministry.

Lis Hayden

DEANERY SYNOD REPORT

There were three Synod meetings in 2025, which was the third year of the current Triennium. The March Synod meeting, held at Christchurch involved discussing our plans for a Saints Trail in October ’25. The Summer Synod, held at Pakefield included a presentation from Revd Richard Lamey, Director of Mission and Ministry, explaining the Diocesan Mission Strategy process. There was a chance to input into that process and a helpful discussion ensued. In October, a number of Churches in the Deanery, including the three of our Team, joined together to participate in the Saints Trail. The November Synod, held at Carlton Colville was an Eco Roadshow presented by the Diocesan Support Team. It was a helpful and engaging presentation.

Deanory Synod Representative

The Parochial Church Council of the ecclesiastical parish of St. Mark with St. Luke, Oulton Broad

Financial Statements for the year ended 31 December 2025

Rev. Canon Helen Jary, Team Rector Rev. Andy Bunter, Team Vicar Rev. Jamie Wyllie, Curate } Churchwardens Lesley Denny }

Registered Charity No. 1131698

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NOTES TO THE FINANCIAL STATEMENTS FOR BOTH CHURCHES FOR THE YEAR ENDED 31 DECEMBER 2025

Accounting Policies

The financial statements have been prepared in accordance with the Statement of Recommended Accounting Practice: Accounting and Reporting by Charities (SORP 2005), issued in March 2005, UK Accounting Standards and the Charities Act 2011. The financial statements have been prepared under the historical cost convention. The financial statements include all transactions, assets and liabilities for which the PCC is responsible in law.

Funds

Restricted funds represent donations or grants received for a specific object or invited by the PCC for a specific object. The funds may only be expended on the specific object for which they were given. Any balance remaining unspent at the end of each year must be carried forward as a balance on that fund. The PCC does not usually invest separately for each fund. Where there is no separate investment, interest is apportioned to individual funds on an average balance basis.

Unrestricted funds are general funds that can be used for PCC ordinary purposes. Designated funds are sums set aside out of General Funds for specific purposes. They can be transferred to unrestricted funds at any time.

Incoming Resources

Planned giving, collections and donations are recognised when received. Tax refunds are recognised when received. Grants and legacies are accounted for when the PCC is legally entitled to the amounts due. All other income is recognised when it is receivable. All incoming resources are accounted for gross.

Resources expended

Grants, donations and the diocesan parish share are accounted for when paid, or when awarded, if that award creates a binding or constructive obligation on the PCC. All other expenditure is generally recognised when it is incurred and is accounted for gross.

Fixed assets

Consecrated and benefice property is not included in the accounts in accordance with s10(2)(1) of the Charities Act 2011. Movable church furnishings held by the vicar and churchwardens on special trust for the PCC and which require a faculty for disposal are inalienable property, listed in the churches’ inventories, which can be inspected (at any reasonable time). Equipment used within the church premises is depreciated on a straight-line basis over four years unless otherwise specified. Individual items of equipment with a purchase price of £1000 or less are deemed fully depreciated when the asset is acquired.

Reserves Policy

The Parochial Church Council of St. Mark with St Luke needs to hold reserves to be able to meet its ongoing expenditure efficiently and to ensure there is sufficient resource available to cover liabilities obligations and contingencies in the event of loss of existing sources of income. The PCC believes that the necessary level of reserves is equivalent to approximately three months of average expenditure from the General Funds. This level will be maintained by close management of finances and forward planning by the use of appropriate budgets. Restricted and Designated Funds have their own objectives and the necessary levels are kept under close review by the PCC. This policy will be reviewed annually as part of the audit process.

					StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad

Statement of Financial Activites(SOFA) for theyear ended 31 December 2025

	Funds:	General (Unrestrict ed)	Organ fund (Restr)	Band fund (Restr)	Piano fund (Restr)	Choir fund (Restr)	Clergy Discr. Fund (Restr)	WSS fund (Restr)	Deanery Synod (Restr)	CPRX Youth Grant (Restr)(a)	Project Fund (Designat ed)	Heating Fund (Desig)(b)	Youth Ministry Fund (Desig)	Additional Ministry Fund (Desig)	Total 2025	Total 2024
		£
Incoming resources
Voluntaryincome		91066	0	100	100	0	388	0	0	0	0	1144	1474	0	94272	91906
Church activities		25302	0	0	0	0	0	0	0	15000	0	11000	0	0	51302	36348
Bank interest		275	10	4	35	40	2	17	7	183	165	36	315	53	1142	979
Insurance claims		0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total incoming resources		116643	10	104	135	40	390	17	7	15183	165	12180	1789	53	146716	129233

Use of resources
Church Ministry		75325	0	0	0	14	233	0	135	5811	0	0	0	0	81518	80032
Church buildings/contents		24560	400	0	0	0	0	0	0	0	0	8102	0	0	33062	29835
Administration		12493	0	0	0	0	0	0	0	0	0	0	0	0	12493	9617
Depreciation		0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total resources used		112378	400	0	0	14	233	0	135	5811	0	8102	0	0	127073	119484

Net movement in funds		4265	-390	104	135	26	157	17	-128	9372	165	4078	1789	53	19643	9749

Reconciliation of funds															Totals	Totals
Funds brought forward from 2024		17802	960	222	2025	2404	97	1015	514	6234	9871	0	18305	3149	62598	52849
Funds carried forward to 2026		22067	570	326	2160	2430	254	1032	386	15606	10036	4078	20094	3202	82241	62598


Notes
(a)For 2004-5 we received instalments of agrant from the Diocese entitled "Church Plantingand Revitalisation Extra" to be used foryouth work.
(b)Fund opened in 2025 byPCC resolution.

St Mark's PCC, Oulton Broad

	StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad

Balance sheet as at 31 December 2025
	Notes		2025		2024
		£		£
Fixed Assets			0		0

Current Assets
Debtors			0		0
Current account			14548		20913
Uncredited payins			0		0
Deposit account			31251		16084
Charity account	(a)		36703		25728
Cash in hand	(b)		100		100

Total Assets			82602		62825

Current liabilities
Parishshare paidfollowing year			0		186
Qtr4 fees toDiocese paidfollowing year			361		41
Unpresented cheques			0		0

Assets less liabilities			82241		62598

Funds
General Fund (unrestricted)			22067		17802
Organ Fund (restricted)			570		960
BandFund (restricted)			326		222
PianoFund (restricted)			2160		2025
Choir Fund (restricted)			2430		2404
ClergyDiscretionaryFund (restricted)			254		97
WSS ScholarshipFund (restricted)			1032		1015
Deanery Synod (restricted)			386		514
CPRX YouthGrant (restricted)	(c)		15606		6234
ProjectFund (designated)			10036		9871
HeatingFund (designated)			4078		0
Youth MinistryFund (designated)			20094		18305
Additional MinistryFund (designated)			3202		3149

Total funds			82241		62598

Notes:
(a)AccountheldwithCharityBank Ltd.
(b)Held asfloatmoneyforevents.
(c) Seenote (a) ofSOFA

			StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad
	Income and Expenditure account for theyear ended 31 December 2025
Incoming resources					Resources expended
General Fund (Unrestricted)
			2025	2024				2025	2024
Voluntary income		£			Church ministry		£
Standing orders			58578	55958	Parishshare			57357	54000
FWO envelopes			2949	1562	Parishshare payable (c)			0	186
Plate collections			1534	1893	Clergy expenses			100	2283
Online giving			1972	2362	Fees paid			5511	6364
Donations			6651	7638	Fees payable (c)			361	41
Grantfor heating			0	0	Worship expenses			1520	1847
Forcharities(a)			3059	4599	FISH(b)			293	48
Refundfor FISH(b)			293	0	Paid to charities(d)			6903	8046
GiftAid claimed			16030	15197	Musicians			3280	3280
Subtot 2025	91066				Subtot 2025	75325


Church activities
Feesreceived			8324	10167	Buildings and contents
Hall rental			11736	12224	Church			2230	1001
Events			3894	2830	Churchcentre			3332	5151
Sales			147	178	Insurance			2000	1826
Donationsfor refreshments			1201	949	Utilities			7195	9732
Subtot 2025	25302				Cleaning/caretaking			9803	11524
					Subtot 2025	24560


					Administration
Bank interest			275	298	Staff			9602	7184
					Stationery			702	399
Insurance claims			0	0	Telephone			625	502
					Copying			1041	736
					Events			207	514
					Refreshments			316	282
					Petty Cash			0	0
					Subtot 2025	12493

					Depreciation			0	0

Total			116643	115855				112378	114946
Movementin funds			4265	909

Notes to St Mark's Income and Expenditure account for the year ended 31 December 2025 (a) Collected for specific charities. (b) Food in the School Holidays: in 2025 refunded from Rob Clarke Community Trust via Lowestoft Community Church. (c) Payments accrued in one year and made in the next. (d) In 2025 included Casa Hogar Vida £2970; Foodbank £1538; Barnabas Aid £1267; Deaf Society £103; Children'sSociety £295; Suffolk Historic Churches Trust £360 and other charities. (e) In 2021 the PCC undertook safekeeping of funds of Deanery Synod to use under latter's direction. (f) Regular returns of items of expenditure are submitted to the Diocese in justification for the grant.

		StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad	StMark'sPCC, Oulton Broad
	Income and Expenditure account for theyear ended 31 December 2025 -								continued
Incoming resources		2025			2024			Resources expende		2025	2024
Band fund (Restricted)
Fees		100			80			Expenses		0	0
Bank interest		4			2
Total		104			82
Movement in funds		104			82
Organ Restoration Fund (Restricted)
Donations andfees		0			958			Expenses		400	7
Bank interest		10			9
Total		10			967
Movementin funds		-390			960
Piano Fund (Restricted)
Donations		80			0			Expenses		0	0
GiftAid		20			0
Bank interest		35			35
Total		135			35
Movementin funds		135			35
Choir fund (Restricted)
Fees etc		0			0			Expenses		14	33
Bank interest		40			42
Total		40			42
Movementin funds		26			9
Clergy Discretionary Fund (Restricted)
Donationsinc gift aid		388			0			Grantsmade		233	100
Bank interest		2			2
Total		390			2
Movementin funds		157			-98
W.S.Stewart Scholarship Fund (Restricted)
Donationsinc.gift aid		0					334	Grantsmade		0	0
Bank interest		17					13
Total		17					347
Movementin funds		17					347
Deanery Synod (Restricted)(e)
Donation		0					0	Expenditure		135	0
Bank Interest		7					9
Total		7					9
Movementin funds		-128					9
CPRX Youth Grant (Restricted)
Grant		15000					10000	Expenditure (f)		5811	3804
Bank interest		183					38
Total		15183					10038
Movementin funds		9372					6234
Project Fund (Designated)
Donationsinc.gift aid		0					0	Expenditure		0	594
Bank interest		165					177
Total		165					177
Movementin funds		165					-417
Heating Fund (Designated)
Dons, events & GiftAid		1144					0	HeatingPanels		8085	0
LotteryFund Grant		11000						Paint		17	0
Bank interest		36						Total		8102
Total		12180
Movementin funds		4078
Youth Ministry Fund (Designated)
Donationsinc.gift aid		1474					1325	Expenditure		0	0
Bank interest		315					300
Total		1789					1625
Movementin funds		1789					1625

Additional Ministry Fund (Designated)
Grants and donations				0			0	Expenditure		0	0
Bank Interest				53			54
Total				53			54
Movementin funds				53			54

Total inc res this page				30073			13378	Total use of res this page		14695	4538
Total with general fund			146716			129233		Total with general fund	127073		119484

	StLuke's Church, Oulton Broad	StLuke's Church, Oulton Broad	StLuke's Church, Oulton Broad	StLuke's Church, Oulton Broad

Statement of Financial Activites(SOFA) for theyear ended 31 December 2025

	General (Unrestricted)	Fabric Fund (Restricted)		Quinquennial Fund (Restricted)	Whitton Pantry Fund (Restricted)			Total 2025	Total 2024
	£	£
Incoming resources
Voluntaryincome	17981		0	4798		3605		26384	22706
Churchactivities	9836		0	0		0		9836	12405
Bank interest	200		3	35		80		318	316
Insurance claims	0		0	0		0		0	0
Grants andLegacies	0		0	0		9700	(a)	9700	3300
Total incoming resources	28017		3	4833		13385		46238	38727

Use of resources
Church Ministry	20754		0	0		8612		29366	28943
Buildings	9084		0	0		0		9084	13741
Cost of fundraising	0		0	0		0		0	0
Depreciation	0		0	0		0		0	0
Total resources used	29838		0	0		8612		38450	42684

Net movement in funds	-1821		3	4833		4773		7788	-3957

Reconciliation of funds
Funds broughtforwardfrom 2024	15231		145	0		4100		19476	23433
Funds carriedforward to2026	13410		148	4833		8873		27264	19476



Balance sheet as at 31 December 2025
	Notes		2025			2024
		£			£
Fixed Assets

Current Assets
Debtors			0			0
Current account			11809			6217
Uncredited cheques			0			0
Deposit account (b)			5072			5021
Charity account (c)			10282			8215
Cash in hand			101			23

Total Assets			27264			19476

Current liabilities
Creditors			0			0
Unpresented cheques			0			0

Assets less liabilities			27264			19476

Funds
General fund (unrestricted)			13410			15231
FabricFund (restricted)			148			145
Quinquennial Fund (restricted)			4833
Whitton PantryFund (restricted)			8873			4100

Total funds			27264			19476

Notes:
(a)Seenote (f) of income and expenditure account.
(b)WithSantanderplc.
(c)WithCharityBank Ltd.

			StLuke's Church, Oulton Broad	StLuke's Church, Oulton Broad	StLuke's Church, Oulton Broad	StLuke's Church, Oulton Broad	StLuke's Church, Oulton Broad

	Income and Expenditure account for theyear ended 31 December 2025

Incoming resources							Resources expended
General Fund (Unrestricted)
			2025		2024				2025	2024
Voluntary income		£				Church Ministry		£
Standing orders			7255		7332	Parishshare			17337	16804
FWO envelopes			3294		4375	Clergy expenses			0	0
Plate collections			2591		2215	Fees outwards			0	0
Online giving			0		0	Worship expenses			260	96
Donations			1469		260	To charities (b)			703	778
Forcharities			0		0	Musicians			100	120
Grants			0	(a)	0	Young persons exps			0	25
GiftAid+GASDS claimed			3372		4575	Share ofadmincosts			2354	2756
subtotal 2025	17981					Subtotal 2025	20754

Church activities
Hall rental			8385		11197
Events			1451		1208	Buildings and contents
Subtotal 2025	9836					Buildings (c)			2413	3483
						Insurance			711	672
						Utilities			2468	3448
Bank interest			200		232	Cleaning andmowing			2944	3399
						Sundries (d)			548	299
						Subtotal 2025	9084
Insurance claims			0		0

						Depreciation			0	0

Total			28017		31394				29838	31880
Movementin funds			-1821		-486


St Luke's fabric fund (restricted)

Fundraising			0		0	Floortreatment			0	2440
Grant (e)			0		500
Bank interest			3		18
Total			3		518				0	2440
Movementin funds			3		-1922


St Luke's quinquennial fund (restricted)

Donations			4500		0	Expenses			0	0
Fundraising			298		0
Bank interest			35		0
Total			4833		0	Total			0	0
Movementin Funds			4833		0


Whitton Pantry Fund (restricted)

Subs and donations			3605		3949	Food purchases			8612	8364
Grants (f)			9700		2800
Bank interest			80		66
Total			13385		6815	Total			8612	8364
Movementin funds			4773		-1549

Total incomingresources			46238		38727	Totaluse of resources			38450	42684

Notes:
(a) See detail in footnotes (e) and (f).
(b)In 2025 to CasaHogar(£703); donations toMacmillanand Suffolk Historic Churches paid separately.
(c)In 2025included paymentforboilerand plumbing (£638);fire extinguisher maintenance (£319); extra cleaning (£150).
(d)Includesrunning expenses,foodforevents etc.
(e)In 2024 from Diocesanyouthgrant tomake good some of floor wear.
(f)In 2025from LowestoftTownCouncil(£6000) andHornsea 3 CommunityFundvia Grantscape (£3700).

THE CHURCH OF ENGLAND Diocese of Norwich Independent Examiners Certificate R¢port to th¢ tru$toè81 mombèrs of.. g&.M4Al& lS POL 31 D<c¢hthr 202S On accounts for the yèar ended- Charlty no Ilf any): 1131 I report lo the Iruslees on my examination of the accounts of the above charity I"Ihe Trusf'l for the year endedJl l iiiA23x< R8sponsibilitios and basis of report As the charity's trustees, you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 20111"Ihe Act"). I report in respect of my examination of the Trust's accounts ¢arri9d out under section 145 of the 2011 Act and in carrying out my examinalion, I have followed all the applicable Directions given by the Charity Commission under section 145(5llbl of the Act. Independent examinerfs Statement ,&n98 quair1 membwef.[ . I have completed my examination. I confirm that no materi81 mallets have come lo my attention in connection wilh the examination I ch gives me cause lo believ8 that in, any material respect.. 11. Delete [] If not applicable. the accounting records were not kept in accordance with section 130 of the Charities Act., or the accounts did not accord with the accounting records., or the accoun15 did not comply with the applicable requirements concerning the fomi and content of accounts sel out in the Charities (Accounts and Reports) Regulations 2(X)8 other than any requirement that the accounts give a 'lrue and fairf view which is not a matter considered as part of an independent examination. I have no concems and have come across no other mallers in connection with the examination lo which attention should be drawn in this report in order lo enable a prop8f understanding of the accounts to be reached. . Pleas& delete the words in the brackets rf they do not apply. Sign8d'. Date.. Name.. fojb I IER Oct 2018

Relevant professional qualificationlsl or body Irf any) JIA Address: ,'--r£ CATr/ & Sectlon B Disclosure Only complete if the examiner needs to highlight material matters of concern (see CC32, Independent examination of charity accounts.. directions and guidance for eKaminersl. Give here brief details of any items that the examiner wishes to disclose IER Oct 2018

2025-12-31-accounts