## St Saviour, Westcliff on sea Charity1132331 Trustees Annual Report 2021 

The year commenced with the church’s activities still restricted by Coved measures although services were again taking place within the church building. As the year progressed and restrictions eased and although there are still some restrictions, a sense of normality has gradually returned. Communion services have been resumed although there is still no sharing of the chalice. 

Early in the year Rev. Lee Mullen announced that he would be leaving St Saviour’s and moving to a parish in Somerset. Given that he had been with us for 10 years this was not entirely unexpected but, given the situation at the time, was not exactly news that we wanted to hear. He finally left us in May and has gone to his new parish with our blessing. We are grateful for all the he and Donna-marie, his wife., have done for St Saviour’s over the years. 

What came as a bigger shock was the news that the Diocese would not be replacing Rev. Lee and that we would be without an incumbent. Fortunately our curate in training, Rev Judith Wilkinson was fully ordained and has assumed the mantle of ministering to us with great aplomb and we are truly grateful for all that she has done. 

We have been in discussion with the Diocese regarding the provision of a minister and there are signs that things may be moving in a slightly more positive direction. However with the departure of Re. Lee the wardens and the PCC have, in conjunction with Rev Judith, taken on the business of keeping the church running as normally as possible. 

The church hall is again open for business but again because of covid restrictions many of the former hirers have yet to return. We have employed a Hall Manager to take care of the bookings and to promote the hall to potential users. Income from this area however is still well below pre covid levels but it is hoped that things will improve as restrictions ease further.. 

The financial results for the year ended 31[st] December 2021 show an excess of income over expenditure in the region of £70,000.00 helped in a large part by two generous legacies from former church members. However, we are also pleased to report that the issue with the Diocese regarding the funds which are held on our behalf, has been resolves and the Diocese have confirmed that the fund in question, the Ada Ferguson Legacy does indeed belong to the church. Additionally another fund which the Diocese had claimed was theirs has now also been confirmed as belonging to the church. The current valuation of both these funds is now reflected in the annual accounts. 

The continuing uncertainty regarding Covid coupled with the departure of Rev Lee and the uncertainty about a replacement  for him has meant that the major project which was planned prior to the covid outbreak is till awaiting resumption . The financial position does 



look healthier although there is still some caution regarding this.. General maintenance works have continued throughout the year and we have managed to keep the church fully operational. 

One activity which has continued throughout the year and is the provision of the church as a base for the food bank. Throughout the year it is noticeable that the demand for this service has steadily grown and it seems that this need will continue into the coming years. We also support, where possible, local and national appeals for assistance We were also able to contribute for the first time in two years to the ‘Operation Christmas Child’’. Shoebox appeal 

The church is now in the process of becoming an ‘eco church’ and w, e have achieved the A Rocha bronze award and are working towards the silver award. 

Although there are still difficulties to be faced in the coming months and years we are now in a better position to confront those difficulties and to continue and grow as an asset to the community. 



Savyoui
JI )URNEY
,1 Paroehial Chureh
ndaq 24" tqpril 2022

SAINT SA VIOUR'S PCC, WESTCLIFF 1132331
Year ended 311* December 2021
Notes to the Accounts
Accounting Policies
The fuwicial statements have iwi prepared in accordance with the Church Accounting Regulations 2006
togeiher with the applicable accounting Stsndards and the "Statement of Recommended Practice" {SORP) (FRS
102) issued by the Charity Commissioners. The accruals basis of accounting has been adopted.
Funds
The accounts are split into separate fiinds. The nuin funds of the council are described in temis of their
putpose and r¢strictions ID Annex A. These ar¢ unrestricte￿ tksignate4 Restricted or Lndowment in nature.
Unresiricied- these are generalfun&f and can be ￿ed by ihe Pccfor anypuryose.
Designated- Ihese are generalfvnd¥ but wilh a specific purpose in mind. They can be transfe￿ed
back ¢0 unrestriciedfunits al any time.
Restricled._ these are monies donated or allocatedfor a specificpurpo.fe only.
Endowmeni- Ihe capilal musi be mainlained- only incomelinter￿l orisingfrom ihe endowmenl muy
be used.
Jncomlng Resource$
All incoming resources are accounted for on a gross b&8is. Planned giving, collections and donatio￿ are
recognised when rcccived.
Tax refunds are recognised as soon as the amounts claimable.
Grants and legacies are accounted for when the Clwiiy is legally entitled to the amounts due.
Investmeni income- dividends are accounied for when receivable: interesi and tsx recoverdble are accrued.
All other income is generally re￿gniSed when it is receivable.
Resources Used
The parish Share (quots) is paid regularly and is included in expenditure for the year to which il ￿lates.
Amounts received specifically for third parties (e.g. The Children's S(Kiety" Christian Aid. CMS dc) aTt
deali with as restricted third_paty funds and the liability for payment is recognised when the amounts are
ccived.
All other expenditure is generally reco8nised when it is ADcutted.

l) Charitable Statuj
Members of the PCC are TnL8tees of the Cbarity.
We were Tegistered on 26 October 2Ci)9. Tr full charity namc is."
The Parochial Church Co¥ncil ofthe EcckniaYticalParish ofst Saviour Ivestcliffon Sea.
But we are legally ellti￿ed io use our re8iStercd WOTknng name, which is St Saviour'$ PCC, Wcsl¢liff.
As recommended by the Church of England. we set our key charitable obi¢ctivc a5 "Promoting in ihe
eCclesitxYticalpar￿h ihe whole mission ofthff ch4rch"
2) Flxed Assets
ConsecTrtcd propety is not included in the accouots in a￿ordanCe with Section 96(2Ka) of the Chariiies Act
1993.
All asseis of Saint Saviour's such as the Grand Piano and digital Keyboard wcrc originally donaled io the
cburch and as such bav¢ been fijlly d¢preciated durin8 2021. Inth'vidual items ofequipment with a purchase
price of £5￿ or less are always written off when the ￿et it aquire41
I￿Ve￿Ments ar¢ shown al market value as al 31. Dcttmber 2021.
3) Annual Accounts
The year under Teview has again iw) dominated by the Q)vtd-19 pandemic resultin8 in a closure of the cbutth
and the hall for mu¢h of the year. There was an over￿1 loss on norn￿1 trndj.ng activities of £24J86.9J. agaimsi
th¢108s of £31.741.￿ in 2020. However. Si Saviour's Church r￿e1v￿ two legacies totalling £￿,010.44 during
2021(Shella Lesley £80,OiKI plus lllterest •nd Margaret Pope £IO.000). Wc also r¢ceived updated
information from Chelmsford Diocese aboui the Curatc's Property Fund of an increase in deposits of
£12.812.33.
The Combined results tutned this loss into an overall profn of £7&435J6.
Th¢ trading loss for the year turns iDto a profil wlKn tsking the legacies and the depositw and lo some
extent ov¢rtUrns th¢ deficits of the previous three years. The pr¢vious level of deficii w&$ accumulated because
of high maintenA7ke and repair costs during 2018 119 and the devastating irnpact of Covid-19 durll￿ 2020 and
2021. 2021 however ha$ again forced upon an extremely challenging rUw￿la1 position The stipend quots for
2020 kn remained unsettled attd written back to Reserves. The Stipend Parish Share of £48.(M)O paid in full
for 2021. Hall l¢tting5, although up from 2020 have been impacted the most on funds geneTated as 8overnment
guidance restricted the ability for this to be hired out to 8enerdte funds. It should be notsd that wlthout these
legacles aDd incre4se in dtposlts the expenditure still ez¢t¢dJ the income.
Ill¢Ott￿ and Expenditure
a) Incoming resources for nornlal trading activiti￿ (i.¢., funds ￿CeIved/r￿cIvablc) from 411 sources de¢re￿d
by £13.203.01 but was enhanced due to two lewi￿ and th¢ i￿reaSe of dep)5its making an overnll increase
of£89.619.76 Voluntary income hLs fallen by £13,581.24 as a dired result of th¢ church having lo close for
much of the yw. Encouragingly many people increased their direct bauk donations wbich assisted greatly i
softening the fall in fiuknls. Activities for genernting funds increased slightly by £2,225.60 despite the
Government guidattce preventing the openi08 of the hall or the bolding of events.

b) Resouwes used {i.e.. expenditure) fell by £20.557.10 mainly due to of a lower Stipend Quota in 2021 from
that of 2020 and a reduction in church and hall maintenance costs and a refund in utility costs. Reverend Lee
Mullen transferred from Saint Saviour's in May 2021 and the Curate. Reverend Judith Wilkinson is non-
stipend.
c) Overall. the Church gained a suryjlus of £78,435.86 sUmn￿Sed Is follows:
31" December
2021
2020
In¢oming
57,201
70,405
Resources
Resources
Utilised
Sury)lus (Deficit)
Before legacies
and de
osits
Legacies and
sils
Overall Surplus
Deficit
2019
106.207
2018
96,433
2017
106,661
(81,588)
{102.145)
(118.095)
(174.965)
(105.916)
(24,387)
(31,740)
(11,888)
(78,532)
745
102,823
Nil
Nil
78.436
(31,740)
(11,888)
(78.532)
745
d) As can be seen from the brief summary above. there is a further trading deficit following the past three years
of deficil. The deficil in 2018 wa5 predominanily due lo the healing repairs of some £71,000 and the fall in
market perfom]ances. The regular cxpendiiure continued lo exceed the rcgular income meaning the ¢hurch
remains reliant upon on¢-ofT deposits such as l¢gacies atMI returns on fijnds invested which does leave the
Church polenlially financially exposed. Unfortunaiely. the impact of the pandemic h&8 mad¢ it dI￿l¢U11 for
the Church to me¢1 all costs as thcy fall due from regular income. The major element of expenditure being the
Stipend quota is under constant review by the Diocese and has been adviscd at £32,593 for 2022.
e) In ternis of resources available lo the Church, as al 31" December 2021 these amounted to £344,702(including
legacies, deposits and wrilebacks) when compared to th¢ previous year of £185,293 and is summarised on the
Balance Sheei attachcd.
4) Balance Sheet
a) General Debtors amount to £19,603.07 consisting of £6,950.00 for dividcnds in respecl of Ada Ferguson
LegA¢y, and provisional Claims from HMRC for Gift Aid of £8,491.82(2020) and £4.161.25 (2021)
b) The Chelmsford Diocese hab confinned that the Ada Ferguson Legacy is the property of St Saviour's and is
valued by them at £45,527.60 represented by 1,944.12 share5 in the CCLA CBF Church of F.ngland
Investment Fund. The actual dividcnd on this fund is Still awaited. The Diocese have indicated that this could
be in th¢ rcgion of £8.000, but as the details have not been C0nfLnn￿, it has not becn recognised in lh¥
accounts. The increase in the fimd £14.968.93 has been transferrcd to a Revaluation Surplus.
) CBF Diocese Funds totalling £68.861.58. CO￿81$1 of Motrison Rose and the proceeds of the salc of the
Curate's House in Grosvenor Road. The Chelmsford DI￿ has now supplied updated infomation as at 31
Decembcr 2021 on both these Funds.
Morrison Rose has now been valu¢d at £14,612.89. The Increa￿ of £1.82.81 between this valuation and tl
funds held last year of £12.784.08 has been transferred to a Rcvaluation Surplus. The capital of £500 was
investcd in shares in the CCLA account forming an endowment the income of which is for 'the
edifice of the parish church..
The procceds of the fomer Curate's House, 46 Grosvenor Road have now been valued by Chelmsford
Diocese at £54.248.69. Thc increase of £12,812.33 between this balance and the balance last year of

£41,436.36 has been shown as an exception￿ source of income. These fuDd5 are held OD deposit in a named
CCLA CBF account. The income 18 accumulated within th¢ fund but can be withdrnwn by the PCC for general
e￿￿eSIaStical Put￿Se$. The use of the capital can only be for ite]ns of a capilal natLtre.
d) Accounts Payable of 909.85 repT¢8clli expe￿¢$ lo 2021. but not paid until 2022
e) Charitable Payments outstanding represeni £90.fJ) to the FOLKI Bank and £116.08 to the Children's kniety
fj Rent of £450 Ibeing one month), l)as been rettived in advan
g) Th¢ accrual of £64.175 for 2020 h&9 been written back in the accounts. The policy to release back ￿ income
is to be detern)ine(L
5) Other Note¥
a) Ex grada paymell￿ there w¢rc no Ex-Gratitt payments made io 2021.
b) ID8dtutloD or body eorpornte ¢omDeeted wlth the councll - tlwc are no institutions or iKxJies corporate
conncctcd with the ¢ouneil.
c) Gu#ramtee8 sivett by the eouDeil- t￿ wuncil bav¢ given no 8uarmtees.
d) Lo•ns outstanding- there are no loatt# Ouistsnding.
e) Contlngeqt Ilabllltles- there are no r￿gnised contingent liabititia8.
Other matrrfal flnancl81 tommltments - there arc no other known material financtal commitments over
Ind abovc those showtt in th¢ accounts or notes to the accounts.
8) Reserves Pollcy - there is no re8crves policy CUTrcntJy in pjacc, bul tbe FWPOSC of each fund is clearly
idcniified- 8¢e Annex A.
Patrlela Whlte

SL Saviour's PCC. Westeliff
Year ended 3111 De¢ember 2021
Annex A- Definition ol Funds
Name
Purpose
Restrietions
Deslgnatlon
Ada Ferguson
Legacy
Legacy from parishioner left
to St Saviour's in 1952. Fund held
b the Di¢)C￿e
None- within the scope and
respO￿lbIlIty of the PCC
Unrestricledl
undesignated
Development
Fund
To fund developmcnts Concerning
the Church and
Hall buildin
Only for the purpos¢s of
¢hurch and hall development
ro
ects at SL Saviour's
Designated
CBF Capital
To hold the capital re1c￿ed by the
sale of the curnte's house in
Grosvenor Road lo support fvtur¢ capital
dLv¢Io
ments
Fwid is ra8tricted to
capithl PUTFM)ses only
Restricted
CBF Capital
Intcrcsl
To hold the interest on the ¢apital r¢lease
by the sale of the curate's hous¢ in
Grosvenor Road io
su ort future ¢a
itsl develo
A¢cumulaied interesi can be us
for general purposes
tksignated
ments
Fabric Fund
To provide for the costs of the long Icrn)
repairs to the fabri¢ of SL
Saviour's
Only for the mair¢tenan¢e
of the fabric as Sthicd, at
the discretion of the PCC
Designated
Frierkds of Si
Saviour's
To be used for 8cneral capital and
other
s¢s
For general purposes
Designated
Morrison Rose
Legacy
Lcgacy from th¢ vicar. The
endowment capiral is still kept in
Trust by the Di¢)cese and provides incom
for the
Incom¢ from the
endowment can bc used
for general purw)ses
Endowment
PCC Charitable
Givin8
To hold fund8 for th'stribution lo ehariu
as dirccted by the PCC
baq¢d on l 0% of income
For distribution to
nominaied charitiesl
organisations as directed
b ¢be PCC
Desi8naied
PCC General
Fund
Funds raised for the genernl
purposes of St Saviour's trc. Westcliff
None- within the scope
and responsibility of the
pcc
Unrestricted/
unde5ignatcd
Third Party
Coll¢¢tions
To hold monies collected for
third party ¢harities and the like
Amounts to be paid over
only to the c8uK8 fot which th
havc been collected
Only to be spcnt on the pury)
described in
r¢lation to the Chur¢h
organ
Restricted
Organ Fund
Funds to be used for the repair
and maintenance of the chU￿b
Organ
Restricted
Youth Club
To hold funds belonging to the
Youth Club
Youth Club
Restricted

IiJiJJi
li￿￿1 AS AT JISV
1,4%.25 I
CAI Cash
n.41546
7J.$3
3150131
67.195.76
30.234 46
13AS4AJ
15.O•J.69
ijs?
JJ,483AI
61.1￿ 78
16.997 95
lJ.553 46
390.
C(iACV (An￿20
TS8 HUJ buw￿l
19.611J 07
45.$27 fll
6U61.
15.4418?
Xl.551.67
54.220.44
JrfJ67AQ
crulls
Clwrty P4yafJe
450.1))
4•
64.575 LX+
I￿AL LMwunÉs
L565.93
TOTAL
29J.07
Reiiinel f ¥Thrqs •Th
if>.293
217mJ.61
64.] TS.
16, 797. 14
11th4b
rn.67
P*X• J•

SAINTSAVMJURS CHURCH
1131331
PR￿17 AIID L055 AccouiifFOR YEAR EIIDED 31ST DÉCEM8Eft 2011
1020
INCOME
Vol￿￿1ry I
Gerwatlr¥ IrKome/ Furd
In4*stmellt Income
Chwch Semces
37.1x12.76
13.143.&J
S.774.63
1.280.
S0.S84.
10,918.(Xl
8.463.(Kl
439A)
TOTAL IPKOME
57
YQAQ4.
£MPtNLMTURf
DiLKese
Ministry Sh¥e
Person￿1
Churth Costs
Hall Costs
Charlty
B•l•rKe
60.623.Th)
1,244.IXI
9,947.
21037.IXI
7.267.Q)
L020.(KI
7.fy)
N￿• 3•
977.
14,048.67
20.91&86
TOTAL EXPEP4DmiRE
8LM7.90
102,145.
Nat• 3b
SURPLUSI DEFIOT
aiRRENT YEAR
24.386.91
31.741.fyJ
EXCEPTIWi
INCOME
Le8a(ies
IrKrtase in Deposrts
9),010.44
12A12.33
OVERALL 5UAPLUSIDEFIOT
n.435.
31.741.fy)
Not• 3
10

G￿ AK*
A11 Enyekys
(Xkn
9J4Y fyj
14.S92.16
1.576.5C+
7,39)
1,434
2.914.
4.16125
8.418.(X¢
TQTALvoLiJiifAf¢
F¥AO
Ckynmuth
11.rffjI.50
Eknrknty
9.SSSm
.71
Charrt
272XKI
Ico
1.163m
4.￿1
s.Mfy)
Weothrqj
52.41)
4Jg.Ql
439AI
TOTAL IIXOME

623C
9n.o)
L¢41 11
450.CQ
102.C•)
I7AS
Ald
CVk•rw
LZJI
IsJJ.o)
?40.
J.71
2.097.
L672.ty)
U93.
L015.Q)
.sJi o)
12.71
4n•.oJ
77.$3
W•ttt
J.176.
Chw•
1.91
92174
1,714
th)
Im).(b)
u&n
9X+C
14LQ)
JL741*
11044
IU12.JJ
JL711AI
12

Independent Examinerfs ReFx)rt
To the PanKhial chU￿h Council of
St. Saviourfs Westcliff on Sea
This report on the financial statements of St. Saviour's PCC Westcliff for the year ended
3151 December 2021, which are set out in the attached Accounts, Notes thereto and
Balance Sheet, is in respect of an examination carried out in accordance with Section 14 5
of the Charities Act 2011 ( "the Acff )
As Trustees of the Charity you are ￿sEX)nsIble for the preparation of the financial
statemeiits. You consider that an audit is not ￿qUired under section 144 of the Act but
that an independent examination is needed.
It is my resE￿nsIbIlity to:
l. Fxamine the accounts under section 145 of the Act
2. Follow procedures laid down in the general directions given by the Charities
Commission under section 145(5) (b) of the Act: and
3. State whether particular matters have come to my attention.
Basis of this
My examination was carried out in accordance with the General Direetions issued by the
Lharity Loniillission. An examination includes a review of accounting ￿CordS kept by the
PCC and a compaft'ison of the accounts p￿sented with those records. It also includes
considering any unusual items or disclosu￿5 in the financial statcments and seeking
explanations from you as trustees concerning any such mattL'rs.
The procedures undertaken do not provide all the evidence that would be required in an
audit (ind conscquently no opinion is given as to whether the accounts present a ' true and
fair ' view. My report is limited to those nutters set out in the statement below.

In connection with my cxaminaiion. no mattcr Ircn bn)u8ht to my
attention wliiL h gives m¢ re￿nable caux to Erlieve that in any material
re.wt the requiremenL
l. To keep accounting records in al￿￿rdance with &ction 130 of thc AL
and
2. To prep7a￿ financial stalements which accord wilh thc accountinx
reLor(L8 and Lomply with the wuircments of thc Act have noi mcl
or
3. To which, in my opinion. attention ShL￿Id ￿ drawn in onler to enable
prokxr UnderslandU￿ of thc acioilllts to reached.
ROY RirriTK A.L'.I.B.
l Bk'nhLim ML'WS, l£igh on ka SS9 3DZ