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2020-12-31-accounts

THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF DORCHESTER AND WEST STAFFORD

REGISTERED CHARITY NO 1138023

ANNUAL REPORT AND FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2020

The Team Ministry of Dorchester and the Winterbournes

PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

CONTENTS

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Page
Members' report 1 - 3
Independent examiner's report 4
Statement of financial activities 5
Balance sheet 6
Notes to the financial statements 7 - 13
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PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

MEMBERS' REPORT FOR THE YEAR ENDED 31 DECEMBER 2020

ADMINISTRATIVE INFORMATION

The Ecclesiastical Parish of Dorchester and West Stafford is part of the Benefice of Dorchester and the Winterbournes in the Diocese of Salisbury within the Church of England. Its correspondence address is: The Parish Office, 20 Alexandra Road, Dorchester, DT1 2LZ.

The Parochial Church Council of the Ecclesiastical Parish of Dorchester and West Stafford (Dorchester and West Stafford PCC) is a body corporate under the PCC Powers Measure 1956 and Church Representation Rules 2006; and a registered charity, number 1138023.

The financial statements have been prepared in accordance with the accounting policies set out in notes to the accounts and comply with the Church Accounting Regulations 2006, the Charities Act 2011 and Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland published in October 2019.

The PCC has considered the Charity Commission’s guidance on public benefit and, in particular, the specific guidance on charities for the advancement of religion.

The PCC members who have served from 1 January 2020 until the date this report was approved are:-

Ex Officio - Beneficed and Licensed Clergy

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|||| |---|---|---| |Team Rector|Revd Keith Magee|From November 2020| |Team Vicars|Revd Claire McClelland|Until February 2020| |Revd Cora Yarrien|From January 2021| |Ex Officio - Churchwardens|Paul Briggs|Until September 2020| |Judy Cowling|From September 2020| |Yvonne Lee|Until September 2020| |Val Potter| |Ellie Stephens| |Trudy Tabone| |Caroline Taylor|From January 2021| |Ex Officio - Members of the Diocesan Synod|Canon John Wood|Dorset Clergy Retirement Officer| |Jill Minchin|PCC Vice chair, from Dec 2020| |Margaret Morrissey| |Margaret Walters| |Ex Officio - Members of the Deanery Synod|Sue Allen|From September 2020| |David Elliott|From September 2020| |Lauretta Kerridge| |Janet Ranger-Dennis| |Caroline McMeiken|From September 2020| |Cheryl Taylor|From September 2020| |Elected members|Hilary Attwell| |Tim Dennis| |Jonathan Farmiloe| |Cynthia Fry| |Brian Hellin|Vice Chair, until December 2020| |Dorothy Maggs|From September 2020| |Robert Potter|From September 2020| |Jane Pryce| |In attendance|Janet Cooper|Secretary| |Beryl Shuttleworth|Treasurer| |Peter Vojak|Assistant treasurer, Sept 2020|

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PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

MEMBERS' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2020

The method of appointment of PCC members is set out in the Church Representation Rules. All congregations at the four churches are encouraged to register on the Electoral Roll, that totals 383, and to stand for election to the PCC.

EXAMINATION AND BANKING

Edwards and Keeping, Chartered Accountants, 34 High East Street, Dorchester are the examiners and Lloyds Bank plc, 1 High West Street, Dorchester, are the PCC’s bankers.

OBJECTIVES AND ACTIVITIES

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

There are four churches in the parish, each with its own church committee: St George’s Church, Fordington Green; St Mary’s Church, Edward Road; Holy Trinity, St Peter and All Saints (commonly known as St Peter’s), High West Street; and St Andrew’s, West Stafford.

The PCC maintains an overview of worship throughout the parish and makes suggestions on how our services can involve the many groups that live within the parish. Our services and worship put faith into practice through prayer and scripture, music and sacrament.

The PCC has considered the Charity Commission’s guidance on public benefit and, in particular, the specific guidance on charities for the advancement of religion.

The PCC complied with its duty under section 5 of the Safeguarding and Clergy Discipline Measure 2016 by having due regard to the House of Bishops’ guidance on safeguarding children and vulnerable adults within the parish. Safeguarding is an item on every PCC agenda, giving opportunities for the Safeguarding Group to report on a regular basis. We are also fully compliant by showing the relevant link on the front page of the website.

The PCC met three times during the year, in March, September and December. These were attended both in person and on Zoom, with the December meeting being completely on Zoom. At each meeting there were reports, and opportunities for questions, from each of the four churches with reports from other groups being received in rotation.

During the year two clergy appointments were made. In July Revd Keith Magee was appointed as Team Rector at St Peter’s and he was licensed in November. In October Revd Cora Yarrien was appointed as Team Vicar at St George’s and St Andrew’s and she was licensed in January 2021.

2020 has been a strange year. Not only has there been no licensed clergy for the very large part of the year, but there has also been varying degrees of lockdown or restriction due to Covid-19 meaning that the level of church services we would normally have has been curtailed. Throughout the year much sacrificial service has been given by our retired clergy and to them we owe our thanks and gratitude. We are equally grateful to those members of our laity who have served and enabled us also.

FINANCIAL REVIEW AND RESERVES

Despite an extremely difficult year for the churches, with no services for much of the time, and no income from hall lettings, fees, fund raising, it was gratifying to see that there was a surplus of income over expenditure for the unrestricted funds. The advantage of signing up for the PGS scheme is particularly advantageous in these times as the direct debits are received regularly even when church attendance isn’t possible. Congregations also responded in a generous way to the Gift Days. Expenditure was down in several areas; there were lower clergy expenses, fewer consumables needed and reduced expenditure on utilities and this enabled the PCC to refund a proportion of the contribution paid by the churches. The Diocesan share (£154,739) was paid in full.

The total value of investments this year has again seen a considerable increase from £323,266 at the end of 2019, to £345,439 in 2020. The PCC’s policy is to invest the major part of its endowment funds in CBF Church of England Investment Fund Income Shares to achieve a level of growth that at least outpaces inflation over the long term, with a modest level of income. The remainder of the PCC’s funds are in CBF Church of England deposits and bank accounts.

PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

MEMBERS' REPORT (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2020

THE PCC AND THE CHURCH COUNCILS

The Parochial Church Council of the Ecclesiastical Parish of Dorchester and West Stafford (Dorchester and West Stafford PCC) is a body corporate under the PCC Powers Measure 1956 and Church Representation Rules 2006 and a registered charity number 1138023.

In so far as the law allows, the authority for the day-to-day work, management and outreach is delegated to the Church Committees of each of the four Parish Churches. They are responsible for the exercise of that authority, in co-operation with the Team Rector and clergy team, in the maintenance of their buildings, care of the congregations, and development of worship and outreach. The PCC retains ultimate responsibility and its members are encouraged to undertake training through conferences and study days, the better to discharge their roles.

Approved by the PCC at its meeting on 10 March 2021

and signed on its behalf by: Keith Magee, Team Rector

PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

INDEPENDENT EXAMINER'S REPORT TO THE MEMBERS OF THE PCC

I report to the members on my examination of the accounts of the Parochial Church Council of the Ecclesiastical Parish of Dorchester and West Stafford for the year ended 31 December 2020.

Responsibilities and basis of report

As the PCC’s members and also the charity's trustees, you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the Act').

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

Independent examiner's statement

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

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

  1. accounting records were not kept in respect of the PCC as required by section 130 of the Act; or

  2. the accounts do not accord with those records.

  3. the accounts do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair' view which is not a matter considered as part of an independent examination.

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

16 March 2021

Edwards and Keeping Chartered Accountants

Unity Chambers 34 High East Street Dorchester Dorset DT1 1HA

PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2020

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Unrestricted Restricted Endowment Total funds Total funds
funds funds funds 2020 2019
Note £ £ £ £ £
Income
Donations and gifts 3(a) 274,740 - - 274,740 262,871
Church activities 3(b) 20,368 90 - 20,458 50,355
Fundraising income 3(c) 3,531 - - 3,531 6,790
Investment income 3(d) 2,186 8,334 - 10,520 10,950
Other income 3(e) 42 - - 42 67
Total income 300,867 8,424 - 309,291 331,033
Expenditure
Church activities 4(a) 267,133 159 - 267,292 311,831
Costs of raising funds 4(b) 160 - - 160 354
Other expenditure 4(c) 2,472 - - 2,472 2,663
Total expenditure 269,765 159 - 269,924 314,848
Net income before gains and
losses on investments 31,102 8,265 - 39,367 16,185
Gains on revaluation of
investment assets 5 - - 22,173 22,173 50,707
Net income 31,102 8,265 22,173 61,540 66,892
Transfers between funds - - -
Net movement in funds 31,102 8,265 22,173 61,540 66,892
Funds brought forward 591,759 55,271 325,866 972,896 906,004
Funds carried forward 8 622,861 63,536 348,039 1,034,436 972,896
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PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

BALANCE SHEET AS AT 31 DECEMBER 2020

Unrestricted
funds
Note
£
Fixed assets
Investments
5
-
Current assets
Debtors
6
11,855
CBF Deposit Fund
222,633
Cash at bank and in hand
394,082
628,569
Liabilities
7
(5,708)
Net current assets
622,861
Net assets
622,861
Funds
Unrestricted income funds
622,861
Restricted income funds
-
Endowment funds
Expendable
-
Permanent
-
Total funds
8
622,861
Creditors falling due within
one year
Restricted
Endowment
funds
funds
£
£
-
345,439
-
-
61,542
2,600
1,994
-
63,536
2,600
-
-
63,536
2,600
63,536
348,039
-
-
63,536
-
-
156,933
-
191,106
63,536
348,039
Total funds
2020
£
345,439
11,855
286,775
396,076
694,705
(5,708)
688,997
1,034,436
622,861
63,536
156,933
191,106
1,034,436
Total funds
2019
£
323,266
15,588
177,855
460,944
654,387
(4,757)
649,630
972,896
591,759
55,271
146,835
179,031
972,896

Approved by the PCC at its meeting on 10 March 2021

and signed on its behalf by: Keith Magee, Team Rector

PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2020

1 Accounting policies

(a) Basis of preparation

The PCC constitutes a public benefit entity as defined by FRS 102. The financial statements have been prepared in accordance with the Church Accounting Regulations 2006, the Charities Act 2011, Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland issued in October 2019, the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102), the Charities Act 2011, the Companies Act 2006 and UK Generally Accepted Accounting Practice.

The financial statements have been prepared to give a true and fair view and have departed from the Charities (Accounts and Reports) Regulations 2008 only to the extent required to provide a true and fair view. This departure has involved following the Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland issued in October 2019 rather than the Accounting and Reporting by Charities: Statement of Recommended Practice effective from 1 April 2005 which has since been withdrawn.

The financial statements have been prepared on a going concern basis under the historical cost convention modified to include investment assets at fair value. The financial statements are presented in sterling which is the functional currency of the charity and rounded to the nearest £. The financial statements include all transactions, assets and liabilities for which the PCC is responsible in law. They do not include the accounts of church groups that owe their main affiliation to another body nor those that are informal gatherings of Church members.

(b) Funds

Unrestricted funds are general funds which can be used for PCC ordinary purposes. Unrestricted funds may include designated funds representing amounts set aside by the PCC for particular purposes.

Restricted funds represent (a) income from trusts or endowments which may be expended only on those restricted objects provided in the terms of the trust or bequest, and (b) 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 year end must be carried forward as a balance on that fund.

Permanent endowment funds are funds, the capital of which must be maintained; only income arising from investment of the endowment may be used either as restricted or unrestricted funds depending on the purpose for which the endowment was established.

Expendable endowment funds are funds the capital and income of which may both be used.

(c) Income

All income is recognised once the charity has entitlement to the income, there is sufficient certainty of receipt and so it is probable that the income will be received, and the amount of income receivable can be measured reliably.

Planned giving, collections and donations are recognised when received and any income tax recoverable on gift aid donations is recognised when a claim is submitted to H M Revenue and Customs. Grants and legacies to the PCC are accounted for as soon as the PCC is notified of its legal entitlement and the amount due. Dividends are accounted for when receivable, interest is accrued. All income is accounted for gross.

PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2020

(d) Expenditure

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that settlement will be required and the amount of the obligation can be measured reliably. Expenditure is accounted for on the accruals basis and gross of irrecoverable VAT.

Church activity costs form the majority of the PCC resources used including charitable giving, clergy and service expenses, running and maintaining church property, church admin and magazine costs. Fundraising activity costs are shown separately from income. Other expenditure represents amounts paid for the compilation and independent examination of the statutory accounts.

The diocesan parish share is accounted for when payable. Any ‘share’ unpaid at 31 December is provided for in these accounts as an operational (though not a legal) liability and is shown as a creditor in the balance sheet.

(e) Investments

Investments are valued at mid market value at 31 December and the unrealised gain or loss on revaluation is shown in the statement of financial activities. Realised gains or losses on the disposal of investments are recognised in the statement of financial activities when investments are sold.

2 Staff costs, transactions with PCC members and independent examination

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|||| |---|---|---| |2020|2019| |£|£| |Wages and salaries|18,355|23,343|

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During the year the Parish employed an administrator, St Andrew's an organist, St George's a verger and an organist, St Mary's an organist and a verger and St Peter's an organist. None of the above was paid at the rate of £60,000 pa or more.

Apart from payments of £1,337 (2019: £9,199) to members of the clergy in performance of their duties noted below, no other payments or expenses were paid to any other PCC member, persons connected with them or related parties.

The independent examiner’s fees comprised an examination fee of £900 (2019: £900) and statutory accounts compilation work of £1,572 (2019: £1,763).

PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2020

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||||||||||||||||| |---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---| |3|Income| |Unrestricted|Restricted|Endowment|Total funds|Total funds| |funds|funds|funds|2020|2019| |£|£|£|£|£| |(a)|Donations and gifts| |Planned giving:| |Gift aid and non gift aid|144,420|144,420|128,786| |Income tax recoverable on gift aid|39,339|39,339|30,538| |Collections (open plate) at all services|12,440|12,440|30,606| |Gift days|15,669|15,669|8,359| |Sundry donations|7,982|7,982|15,192| |Grants|31,361|31,361|23,262| |Legacies|23,529|23,529|26,128| |274,740|-|-|274,740|262,871| |In|2019|income|from|donations|and|gifts|totalled|£262,871|of|which|£257,591|was|attributable|to|unrestricted| |funds and £152 was attributable to restricted funds and £5,128 was attributable to endowment funds.| |(b) Church activities| |Magazines|3,406|3,406|5,676| |Church hall letting|8,426|8,426|30,341| |Fees|8,293|90|8,383|13,412| |Office services|243|243|926| |20,368|90|-|20,458|50,355|

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In 2019 income from church activities totalled £50,355 of which £49,830 was attributable to unrestricted funds and £525 was attributable to restricted funds.

(c) Fundraising income

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||||||| |---|---|---|---|---|---| |Fetes, bazaars and other fundraising| |activities|3,531|-|-|3,531|6,790|

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In 2019 income from fundraising totalled £6,790, all of which was attributable to unrestricted funds.

(d) Investment income

UK dividends and interest receivable 2,186 8,334 - 10,520 10,950

In 2019 investment income totalled £10,950 of which £2,719 was attributable to unrestricted funds and £8,231 was attributable to restricted funds.

(e) Other income

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||||||| |---|---|---|---|---|---| |VAT refund/insurance claims etc|42|-|-|42|67| |In 2019 other income totalled £67 and was attributable to unrestricted funds.| |Total income|300,867|8,424|-|309,291|331,033|

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PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2020

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|||||| |---|---|---|---|---| |4|Expenditure| |Unrestricted|Restricted|Endowment|Total funds|Total funds| |funds|funds|funds|2020|2019| |£|£|£|£|£| |(a)|Church activities| |Missionary and charitable giving|7,926|7,926|5,524| |'Share'|154,739|154,739|155,329| |Clergy expenses|1,337|1,337|9,199| |Insurance|20,515|20,515|20,133| |Church running expenses|6,684|6,684|24,531| |Church maintenance|15,815|15,815|31,678| |Youth and education|677|677|495| |Upkeep of services|6,659|6,659|8,804| |Major repairs and improvements|4,836|4,836|4,158| |Church hall running costs|8,901|8,901|5,291| |Salaries and honoraria|18,271|84|18,355|23,343| |Parish magazine|4,904|4,904|5,395| |Church administration|15,809|75|15,884|17,650| |Other|60|60|301| |267,133|159|-|267,292|311,831|

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In 2019 expenditure on church activities totalled £311,831 of which £311,267 was attributable to unrestricted funds and £564 was attributable to restricted funds.

(b) Costs of raising funds

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||||| |---|---|---|---| |Fetes, bazaars and other fundraising| |activities|160|160|354|

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In 2019 expenditure on fundraising totalled £354 all of which was attributable to unrestricted funds.

(c) Other expenditure

Independent examiner's fees 2,472 2,472 2,663

In 2019 other expenditure totalled £2,663, all of which was attributable to unrestricted funds.

Total expenditure 269,765 159 - 269,924 314,848

PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2020

5 Investments

At 1 January 2019
Additions
Unrealised gains on revaluation
At 31 December 2019
Represented by:
No
CBF Investment Fund income units
St George's - Timothy Bequest
6,396.00
St George's - Puzey Bequest
7,660.00
St George's - Jack Bradshaw
417.30
St Mary's - Megisson Bequest
704.53
St Mary's - Wynne Bequest
961.39
St Mary's - Quibbell Bequest
318.00
St Mary's -Trustee Account
317.53
CBF Fixed Interest Securities Fund
St George's - Timothy Bequest
482.00
St Mary's - Quibbell Bequest
561.00
6
Debtors
Other debtors
7
Creditors
Accruals
Other creditors
2020
£
323,266
-
22,173
345,439
£
131,037
156,933
8,549
14,434
19,696
6,515
6,505
818
952
345,439
2020
£
11,855
2020
£
5,244
464
5,708
2019
£
267,431
5,128
50,707
323,266
£
122,606
146,835
7,999
13,505
18,429
6,096
6,087
790
919
323,266
2019
£
15,588
2019
£
2,539
2,218
4,757

PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2020

8
Funds
Unrestricted funds
St Andrew's general fund
St George's general fund
St Mary's general fund
St Peter's general fund
St Peter's choral scholars fund
PCC general fund
Total unrestricted funds
Restricted funds
St George's bellringers fund
St George's Timothy bequest
Total restricted funds
Endowment funds
Expendable
St George's Puzey legacy fund
St George's Jack Bradshaw fund
St George's Timothy bequest
St Mary's Quibell, Megisson and
St Mary's Trustee Account
St Peter's Holy Trinity Institute fund
Total endowment funds
Total funds
St Peter's Development account
Wynne bequest funds
(capital) fund
St George's Puzey legacy fund
Permanent (where the
capital cannot be spent)
(income) fund
At 1
January
2020
£
28,034
187,454
143,689
104,290
6,048
107,873
14,371
591,759
2,061
37,417
15,793
55,271
146,835
7,999
123,396
38,949
6,087
2,600
179,031
325,866
972,896
Income
Expenditure Fund transfers/
investment
gains
£
£
£
13,523
(12,317)
(900)
60,350
(62,031)
(5,700)
84,903
(63,032)
(5,700)
114,077
(95,742)
(5,700)
-
(677)
-
14,379
-
-
13,635
(35,966)
18,000
300,867
(269,765)
-
92
(159)
-
4,562
-
-
3,770
-
-
8,424
(159)
-
-
-
10,098
-
-
550
-
-
8,459
-
-
2,648
-
-
418
-
-
-
-
-
12,075
-
-
22,173
309,291
(269,924)
22,173
At 31
December
2020
£
28,340
180,073
159,860
116,925
5,371
122,252
10,040
622,861
1,994
41,979
19,563
63,536
156,933
8,549
131,855
41,597
6,505
2,600
191,106
348,039
1,034,436

Sufficient resources are held to enable each fund to be applied in accordance with any restrictions.

Unrestricted funds

The St Peter's designated choral scholars fund represents sums earmarked by the council for choral scholars and St Peter's development fund represents funds earmarked for the development of the church.

All other unrestricted funds, whilst allocated to the parish or individual churches, can be used for ordinary PCC purposes.

PAROCHIAL CHURCH COUNCIL OF DORCHESTER AND WEST STAFFORD

NOTES TO THE FINANCIAL STATEMENTS (CONTINUED) FOR THE YEAR ENDED 31 DECEMBER 2020

Restricted funds

Restricted funds represent amounts received via trust, bequest, donation or grant for specific purposes as provided in the terms of the trust, bequest or funding appeal. Such funds can only be expended on the specific object for which they were given. Where insufficient funds are held to complete a specific purpose, the PCC may approve a transfer from general funds to fund the deficit, which is repaid once funds become available.

Endowment funds

Expendable

The St George's Puzey Legacy Fund is an expendable endowment fund. Both income and capital is available for the general purposes of St George’s. The fund is administered at the discretion of the vicar and churchwardens of St George's.

Permanent

The St George's Jack Bradshaw and Timothy Bequest Capital Fund, St Mary's Quibell, Megisson and Wynne Bequest Funds, St Mary Trustee's Account and St Peter's Holy Trinity Institute Fund are permanent endowment funds where the capital is held permanently and cannot be spent.

Income arising on the Jack Bradshaw fund is unrestricted and is paid into St George’s general fund. Income arising on the Timothy Bequest is restricted for expenditure on the fabric of St George's. Income arising from the Quibell, Megisson and Wynne Bequest Funds is administered at the discretion of the churchwardens of St Mary's. Income arising on the St Peter's Holy Trinity Institute Fund is unrestricted and is paid into St Peter’s general fund. Income arising from the St Mary Trustee Account is unrestricted and is paid into St Mary's general fund.

9 Kenneth O'Brien Legacy Trust

The late Kenneth O'Brien left the residue of his estate to be held in trust for the religious and charitable work of St George's Fordington. The Trust is registered as a charity (no 1149746). The PCC holds 14,424.32 CBF Church of England Investment Fund income shares as custodian trustee for the Trust, valued at £295,515 at 31 December 2020. This investment is held separately and is not included in the PCC accounts.