¢TThAIIII
ST.PAULS
Ji.rHvL
Annual report
and
Financial statements
For the year ended 31 December 2020
Registered Charity NO. 1133066

Table of contents
Trustees, report
Independent examinerfs report
Statement of flnanclal actlvltles
Balance sheet
10
Notss to th8 financlal statemonts
11
R¢gislered Charity No. 1133066

Trustees. annual report for the year to 31 December 2020
ChaTIty name
The Parochial Churth Council of St Paul's Letchworth
Reglstered charity number
Chaiity's pr*ncipal address
1133066
179 Pixmore Way
Letchworth, Herttordshire SG6 1QT
Parochlal Church Council IPCC} members who have $8Tved at any tlme duTlng the
year from 1 January 2020 untll the date thls report wa$ approved:
Dat•s actsd11 not for
vJho10
èar
Nam¢
Office lilanyl
Mini81er
Notos
Rev Jenl ￿Qua￿l
RevAmanda FerrB
Associat8 Mini818r
Maureen Philllps
Ernma V8rnon
¢￿TCh￿arden
ToAu9USt 2￿20
Chuwch War(len
Rebekah Plnco
chU￿h Warden
From Septemb8r2020
To March 2020
David Fi￿teven
Eleded M8mber
Mike Peildd(
To Jun8 2020
Elected Member
Carolinp Friis-EOr6
To O¢lob9r 2020
Elected Memb•r
Pam Hull
Elected Member
Chrislopher Scott
To Octobèr 2020
El8¢tsd iwanber
Andreea Wei$l-Shaw
To October 2020
Eloct8d Drt8rnber
K8ilh Blund811
PCC Secretary
Elected Member
Michael Eve
Elected M￿ber
Peter Eyles
Peter Farquhar
Rgbecca Kely
Judith N8sh
Ele¢ted m￿nber
Etected Membèr
To January 2021
Erected MembEr
Elected MembgT
Maddwne NtchrAas
Elected Meml)eT
D8n Pir
Elected Me￿￿[
ClaJe Townsend
El8cted Member
Rachel Cheffy
Paul Owen
From October2020
Elected Member
FTOM October 2020
Elected Mernber
Paul Thornson
From October 2020
Elected Mernber
Emilywilkinson
lan Frostick
Frorn October 2020
E18Ct8d Member
Treasurer
March to Dgcombgr2020
Madelelne Nlchol&8
Deanery Synod Repr8sentatN8
Frrm O¢tober2020
Maureen Phlllips
Fiona
Deanery Synod R8pr888ntstiva
Children and Fwnlii&sWoTker
FrrAn O¢tober2020
In attendan¢¢
ClaiR McDon￿lI
Youth Vvorker
In atterKlan(t

Names and addresses of adv15ers
Archltects
Freeland Rees Roberts, 25 City Road, CambTidge, CB1 1 DP
National Weslminsler Bank, Slalion Place, Letchworth. SG6 3AL
Bankers
Independent
examiner
Dan Colwell & Co Limited, The Old Bull Pens. Sezincote, Moreton in Marsh,
Gloucestetshlre GL56 9AW
Structure, governance and management
Oescrlptlon of the charlty's trusts
How the
Church Is
constituted
st Paul's Letchworth is a registered charity as well as being part of the Church of
EnglarKI.
The slwdure and govemance arrangements ofts Charty are set oul by the
Church of England and St Albans Diocese. The church sils within the Hilchln
Deanery and the Archdeaconry of St Albans. Full details of governance
airangemenls are set out on the St Albans Diocese website.
Sl Paul's is part of a Joint Ben&fice wth All Saints, Wllian, jointly served by the
incumbent, associate minisler, curate, and readers. All Saints, is administered by
ils own PCC. appointed Irom its own membershlp and has separate financial
records and accountability. Sl Paul's PCC has no responsibility for the pastoral or
adminislfalive affairs of All Saints,.
PCC and
Committees
The responsibilities of Sl Paul's PCC are enshrined in the Parochial chU￿h
CoUnc￿S (Powers) Measure 1956. As such, the purpose of the PCC is lo cooperate
with the incumbent in promoting in the parish the whole mission of the Church,
pastoral. evangelistic. social and ecumenica5. The PCC is responsible for the
maintenance of all church buildings and grounds, ensuring the smooth running of
the church and for ensunng that the church in compliant with all relevant legislation
relating lo its functions.. health and safely, data protection, safeguarding and
employment law. The ordained ministeTS, curates, readers and church wardens
becorne members of the PCC on appointment. Elected Members are appointed by
ballot of church members at the APCM on three year terms, with vacancies during
the year being filled by PCC.
PCC meets its objectNes achieved th[￿gh..
Full PCC meetings six times a year, bi-month
standing Commtitee. which has powers to a￿ on behalf of PCC. meeting six
times a year bi-monthty, alternating with PCC
Mtssionary Conrrittee ￿1c￿ oversees the church's links our mission
partners
Ad hoctask groups, fomied during the year as requiTed.
None of St. Paul's objectives w)uld be achieved )Nilhout the dedlcatlon and support
of its three staff members (Children and FamilWs worker, Youth Worter and Parish
Adminislrator) and the very many church members who give their time voluntarfly
and unslinti
in all areas of church lrfe.

Objectives and activities
'To Showthe Light and Love of Jesus for air
"Bylhis everyone willknow thatyou are Mydisci￿S, rfyou lové one another."
John 13-.35
Thls year has been like no other with the whole country golng Into lockdown In
March which meant that we had to stop S8Tvices, as the govemment stopped
communal worship. The PCC had approved the upgrade to our AV system just
PTior to the lockdo￿t, which meant that we Gould livestream and maintain our
Worship online. Once out of lockdown we had to limit the number in chutch. $0
Sunday attendance ranged from 16 to 51 but online log-ins range from a few
hundred to a peak of 2,525. averaging just less than 1.900 in recent months. The
pandemic and constantly changing guidellnes have meant we have had to react
quickly and safety which we have, including limiting nuMb￿S physicalty meeting
but our online services have been varied and season specific. At this lime, it is
very difficun to gauge exac15y how many adults and children we are in touch with
bul this is a cause for rejoicuig as we have had new people join our electoral roll,
reach out to us and very much count themselves as part ofthe St Paul's church
family.
As with 2019, in 2020 we have continued stepping out into more community
outreach "To showthe Light and Love of Jesus for All.. Our focus in week one of
lockdown was to ensure that those who needed food and prescriptions had their
needs met and that we could stream our se￿iceS. The Care Team contacted
more than 300 people and Sin￿ then we send out 120 home pack5 fortnightly,
decreasing to monthly cur￿n11Y, to those unable to join us online so that they
may still be in contact with us.
Summary ofthe
objgctives of th8
charlty sot out In
Its governance
and the maln
activitie5
undertaken for Ihe
publlc benef5t In
relatlon to these
objectives
We have continued with our dete￿InatIon to become a 'Mission-shaped PCC.,
being more systematic about supporting gr0￿h- welcoming newcomers,
supporting people to grow in their fa￿h and imptoving communication. with les$
reliance on infomial netWOTks. which we know become less effective with
increasing numbers. We continue to WOTk on our Framewoik for Mission and
Ministry in St Paul's and continue to establish leads. Despite lockdown, we have
still continued with our Mission Action Plan..
Two Alpha courses were run, one in person and one online.
The SIX'.30, offering a less formal style of wor8hip, continues to be well
attended.
Two church members, Chrislopher Scott and Peler Farquhar contlnue Inlo
year ￿ of their ordination training and are members of the ministry t8am.
The Newcomers, Team, led by Madeleine Nlcholas, continue to support
newcomers into the life of the church.
All our usual activities have had to adapt. We have reached out to the wider
communty through our online seNI￿s, Messy Church. work with young peopl8
in schools, youth Work has continued online and our Fa￿bOok pages have
engaged all our groups. The Luncheon Club have kept in contact with their
members and our Gateway Club has continued online to be a valued servic6 to
older people.
Home groups remain the bedrock of pastor81 support within Sl Paul's and are
growing, with some new groups forming after Alpha courses. Looking forward,
we are hoping to trial'connect groups, to encourage more people to engage in
conversations together.

Children, young people and their families are al the heart of our misslon and
embraced by our whole church famiEy, regardless of age or stage in lrfe. Fiona
Owen, Children and Family's I￿$rker, has had to adapt to online Sunday schools
as well Messy Church. holiday club. light paty and involvement wtth the five
SGhools in our parish and the wider Community. There are over go children and
young people on our register but with all of our childrEn's actimlies we reach over
225 children. Home packs for the families have been sent out monthty to keep
them engaged wtth Church life. In November and December, Altogether Se￿ICe$
were run and we51 attended. Fiona also organised a Christmas llalivity trail
around the Church grounds. Christingle setvices were well attended in person
and also online where "make your own. Chrislingle packs were provided.
Youth ministry was well looked after by volunleeTr whilst Claire McDonnell, our
full~time youth worker, was on maternity leave. More creative ways to engage
were needed to be thought of but GGG (God's grace gang) and JAM (Jesus and
Me) have all met regularly in person where they can or online if not.
During 2020, The Lighthouse. magazine a complete revamp of look and was
renamed'st Paul's Magazine.. Highlights included a special 'Lockdown edition..
Recruiting volunteets for existing and new activities is a constant challenge,
despite r￿e1VIng many responses to our"Giving Sundar stewardship campaign
in Febnjary, especially as we had to adapt to a new way ofworking online. We
recognise that people need to 'step down, as w811 as'step up., so never say
that offering to do something is a life sentence. Our treasurer, lan Frostick and
our Electoral roll officer. Dianne Sheppee, both resigned in De￿mber and we
are grateful to them both for all they have done. In August, Maureen Phillips
stepped down as churchwarden. We thank her for all that she has done for us
and will continue to do in other roles in the lrfe of our church. She has served a
church Ihrough bolh an interregnum and a global pandemic! Her Se￿iCe to us
and to God isjust remarkable. Rebekah {Beki) Pinco was installed as
Churchwarden designate in September and installed on 13th September.
In November 2019, the PCCS of St Paul's and Ail Saints, each approved the
appointment of an associate wcarwlh special care for All Saints, lo enable each
church to have more consistent and dedicated leadership. Reverend Amanda
Ferris was appointed to this role in December 2019 and installed in January
2020. Throughout this year she has nurtured and grown her congregation at All
Saints as well as supporting Jeni and con*inueg to drive the building project
forward.
In all that we do. the PCC, as trustees have had regard to the guidance issued by
the Charty Commission on public benefit document.
Summary of the
main activities
during the year
Regular public worship open to all., administration of the sacraments, including
preparation for baptism and maniage.. conducting funerals-, the provision of
sacred Spa￿ for personal prayer and contemplation" pastoral wotk. including
visiting the sick arsd bereaved., Christian teaching through seimons, Gourses and
small groups,. taking religious assemblies in schools., youth work with a Christian
ethos,. promoting the whole mission of the church through a range of activities for
older people., work with young children and theirfamilies- parents and toddlers.
working closely with the other churches of all denominations in Letchworth on a
range of communty activities, including the provision of a Food Bank and The
Ark, a drop in centre for homeless and vulnerable aduils; supporting other
hartties in the UK and overseas.

Safeguarding
The PCC has complied with its dLty under Section 5 of the Safeguarding and
Clergy Discipline Measure 2016 (duty to have regard to the House of Bishops.
guidance on safeguarding children and vulnerable adults).
Serious In¢ldent
Reportlng
The PCC can confimi that no serious ir)cidenls occurred duiing the year which
would have required reporting to The Charity Commission.
Financial review
The PCC is committed to maintaining the following FeseTves:
Capltal fund- representing the strategic interest in accommodation
Working Capllal reserve- equivalent to three month's expenditure
Building fund- to fund the longer-term development of its buildings
Provisions are also in pla￿ to meet the estimated costs arlslng from five-yearly
quinquennial reviews and other known financial liabilities.
No fundsl
rovisions were in deficit at 31 December 2020.
The principal sources of income and expendtture are set out in the financial
statements forthe year. The general reserve remains adequate to achieve
PCC ob"ectives in 2021.
Brlef statement of
the charity's policy
on reserves
Flnan¢lal results
Declaration
The members declare that they have approved the PCC Annual Report above.
&gned on behalf of the PCC
On
Aprll 2021
Reverend Jeni MeQvaid
Vicar
Keith Blundell
Secreta

Independent examinerfs report to the trustees of St Paul's
Letchworth
I report to the trustees on my examination of the a¢￿Unts {as set out on
pages 9-15) ofth• abova chaiity Dhe Church.) for the yoar ended 31
December 2020.
As the chariws trustees. you are responsible for the preparatlon of Ihe
accounts in accordance with Ihe requirements of the Charities Acl 2011
rthe Act.).
I report in respect of my examination of the Church accounts carried out
under section 145 of the 2011 Act and in ca¥rying out my examination, I
have followed all the appficable Directions given by Ihe Charity Commission
under section 14515>lb) of the Act.
The ¢harity's gross income exceeded £250,000 and l am qualif￿d to
undertake the examinalKJn by being a quabfied menl)er ofthe ACCA.
I have completed my ex8mination. I confim that no material matters have
Come to my attention in connection with the which gNes me cause to believe
Ihal in. any material resp8cL'
the accounting records were not kept in acGordan¢e with seGlion 130
of the Charities Acl", or
the accounls did not accord vAlh Ihe accounting records. or
the accounts did not comply the appllcable requirements
concerning Ihe form and corttent of accounts set out in the Charitles
{Accounts and Reports) Regulations 2008 other than any requirement
that the accounts give a 'lrue and fairf vIeW￿leh 1$ nol a matter
considered as part of an independent examination.
I have no COn￿M$ 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.
ames Coiwell FCCA CTA ATr
..2021
Daniel Colwell & Co,
Chartered Certlfled Accourrtants
The Old Bull Pens,
Sezincote. Moreton4n-Mavsh,
Gloucestershire. GL56 9AW.

St Paul's Letchworth
Year to 31 December 2020
Statement of financial activities
ReBtrlct•d
Incom•
fund8
Unrestrlctsd
funds
Total
2020
Total
2019
Note
Income
Voluntary Income
208.392
12.289
220,681
221.168
Income from fees and charges
1.133
In￿me frcyn kncal mission activities
332
332
Income frun Investments
357
358
653
Oth8r
546
33
579
Total InGomlng resources
223,291
13.466
261,741
Exp9nditure
Ministry
3,350
44.874
56.438
P8rf8h share
84,212
71,884
Support provlded to mlssionaries
26,908
26.908
Cost of generating fees and chaTges
24.507
1.659
26,166
39,669
Co$ls of ljcal missSon aclivilies
Buildings and other running costs
46,484
1,102
55,448
Totsl resources uged
224 867
Net Incomelloxpondlture)
1.566
5.864
4,298
3,804
Total funds broughtforward
92.827
7.227
96,250
Totsl funds carrled fonvard
91,261
13,091
104.352
100,054

Balance sheet
2020
2019
Flxed assels
Tangible assets
Ti)tal fixed assets
9,912
9,912
Current assets
Debtors
Cash and cash equivalents
Total current assets
14,237
94.547
108 784
13,087
108,430
121517
Credltoys: amounts falling due withln one year
20.957
Net current assets
104 858
100,560
Total as$ets less cuffenl Ilabllities
114,770
110,472
Provl$lons for Ilabllltl
Total net assets
104 352
100.064
Funds
10
Restricted ncome funds
Unrestricted funds
Tolal funds
104.352
100,054
Slgned on behaltof the members on
7 April 2021
Jeni McQuaid
Vicar
10

Notes to the financial statements
1 Slgnllkant a¢¢ountlng polkles
Basls of ac¢ountlng
These financial stslements are presented in pounds sterling. All values are rounded to the nearest
pound. Th8 accounts have been prepared in accordance with the Statement of Recommended
Practice- Accounting and Reporting by Charities preparing thelr accounts in ac¢ordan(E with the
Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) issued on 16
JL¢ly 2014 and the Charities Act 2011. The charity constitutes a public benefrt enlty as defined by
FRS 102.
There has been no change to the a¢¢ounting policies {valuation rules and methods of accounting)
since last year.
The prirtipal ac¢ounting policies adopted are set out below.
Golng concern bas18
The financlal statements have been prepared on the basis that the charity is a going concern.
Recognltlon of Income
Income is included In the Slatement of Financial Activities (SOFA) when:
the ohurch becomes entitled to the resources.,
the church is virtually certain to receive the resources. and
the monetary value can b8 measured with sufficient reliability.
Offsettlng
There has been no offsetting of assets and liabilities. or income and expenses. unless required or
permitted by the FRS 102 SORP or FRS 102.
Grants and donatlon6
Grants and donations are only included in the SOFA when the charity has un¢onditional enlillement
to the resources.
Gift Aid tax reclaims on donatlons and glfts
Gift Aid receivable is included in income when there is a valid declaration from the donor. Any Gift
Aid amount recovered on a donation is Gonsideted to be part of that gift arKI is treated as an addition
to the same fund as the initial donalion unless the donor or the tenns of the appeal have specified
otherwise.
Gifts In klnd. donated SO￿1￿$ and volunteer help
Gift8 in kind. donated seT¥ices and volunteer help are not included in the SOFA.
Investsnent Income
This is Included in the accounts when receipt is probable and the amount re￿IVable can be
measured reliably.
11

Tanglble fixed assets
Tangible fixed assets cosllng In excess of £5.000 will be capitalised over the eslimated useful life of
the asset. Expendrture below £5,000 is treated as expenditure in the year taknng pla￿.
Debtors
Debtors {induding trade debtors and loans receivable) are measured on initial recognition at
settlement amount after any trade discounts or amount advanced by the charity- Subsequently. they
are measured at the cash or other consideration expected to be received.
Cash and cash equlvalents
Cash and cash equivalents comprise cash on hand and demand deposits thal are subject to an
insignificant risk of changes lli value.
Llabllity rfjcognition
Liabilities are recognised where it is m￿e likely than not that there is a legal or constructive obligation
committing the chaiity to pay out resources and the amount of the obligation can be measured with
reasonable certainty.
Provlslons for Ilabllltles and charges
A liability Is measured on recognition at its historiG81 cost and then subsequently measured at the
best estimate of the amount required to settle the obligation a the reporting dale.
2 Analysls of Income
Unrestricted Restrlcted
2020
2019
Voluntary inc¢)me
Covenanted giving
Collections
Donations and gifts
Gift Aid tax recovered
155411
4,728
8.515
159,371
4.728
160,001
8,858
11.630
40.679
221,168
6,843
1.486
12.289
41.224
220 681
Total
208.392
Income from fees and charges
Weddings and ￿neralS
Church hall letting8
Other
2,792
10.872
2,792
10,872
1,133
14,797
4,093
26,543
4,552
35,188
1,133
Total
13,664
3 Expendlture analysls
Unrestricted Restricted
2020
2019
Mlnlstry
Clergy
Children and families
Youth work
4.420
22,825
14,279
4,614
25,948
14.312
2.703
26,741
26.994
3,123
33
Tolal
41.524
Ministry costs Includes a contribution towards the cost of the Associate Vicai at All Saints,, Willian.
12

Unrestrlcted Restrlcted
2020
2019
Bulldlngs and oth&r runnlng costs
Church buildlng
Equipment non capital and maintenan
Administration costs
Independent examiner fee
7.048
14,228
7.048
14 428
23.524
200
1,140
46,484
Totsl
1.102
47.586
5S.448
Equipment non capttal and maintenance includes the purchase of audio visual eqUIp￿￿nI for streaming
online services. Their financial treatment has been considered in line with the policy on fixed assets.
4 Staff cosi8
2020
2019
Wages and salaries
Social security costs
Pension costs
47.483
675
3,630
51,788
59,481
1,438
3,585
64.504
Total
Sl Paul's ￿ntributeS 6°h of salaries to employee personal pension schemes.
MeTnbeTS of PCC receive no fees, allowan￿5 or Iravelling expenses for seTviro on the PCC.
Average number of employees In ￿ year:
No.
No.
Minislry team
Administration
Total
5 Tanglble as$ets
2020
2019
Cost at 1 January 2020
Cost at 31 Decembor 2021
9,912
9.912
9,912
9.912
Equty interest of 3.54% in 89 Howard Drive, Letchworth. An investment held on a long-tsmi basis to
secure accommodation for the curate.
6 Debtors
2020
2019
Trade debtors
Gift Aid tax recoverable
Taxation and social security
Other debtors
Prepayments and accrued income
130
10,154
9.671
2,000
803
108
Totsl
13

7 Cash and cash equlvalents
2020
2019
Short term deposils
Cash at bank and in hand
87,342
21.088
108430
Total
8 Credltors and accruals falllng due within one year
2020
2019
Trade creditors
Accruals and defeTred income
OlheT creditors
5,131
15,186
640
238
Total
926
Provlslons for Ilabllitl6s
2020
2019
Balance at th8 Start of the reporting period
Amounts added in currenl period
Amounts charged againsl the provision in the GUTrent period
Balance at the end of the reporting peiiod
10,418
13,921
10.418
10,418
This provision is for church hall and building Tepairs as advised in the quinquennial inspection report.
The latest inspection was hekl in November 2020. The report, when received, wlll Indlcate requlred
repairs to the church hall and building over the next five years. The liming of the use of this provision
will be bas8J on the report and the schedule of subsequent works.
10 Funds
Fund
balance
brought
forniard
Fund
balance
carrled
forward
Fund Name
Income
Expendltwe
General
Capital
Working capital
Audio visual equipment
8uildings
Flowers
Luncheon Club
Toddlers
Audio visual equipment
Welfare
Children's work
Home worship packs
General
Deslgnated
Designated
Designated
Restricted
Restricted
Restricted
Restricted
Restricted
Restricted
Restricted
Restricted
Total
26,762
9.912
55.000
1,153
2.369
413
26.349
55,000
1,153
2,369
20
921
212
2,075
517
200
194
4,604
902
1,415
8,104
1,500
208
100.054
13.423
14

Analysls of net asgets beiwegn funds
General
funds
Designated Restrfcted
Funds
funds
Total
2020
Fixed assets
Current assets
13.329
108 784
Creditors and provtsions
238
14.344
Total not assèts
104 352
11 Transactlons with related parties
The Church of England and its DI0￿Se in St Albans is a related paty. Payments were made to the
Diocese of St Albans as follo￿..
2020
2019
Parish Share
84,212
71,884
Total
Parish share is a WTrtribution to the running costs of the Diocese and indudes Ministry stipendiary
costs.
2020
2019
Wedding and funeral fees
1.706
1,706
Total
1,757
Diocesan fees are recovered in full as part of the fees Charged.
Fee income is incI￿led in note 2 in(xJme from fees and charges.
Voluntary income includes donations from church members, Includlng PCC member&
Church members, in¢hJding PCC members, are reimbursed for costs Incurred whilst helping with
church a¢tlvitie$.
There were no other transactions with relateil parties.
15