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2023-04-05-accounts

Trustees' Annual Report for the period

Period start date Period end date Day Month Year Day Month Year From 06 April 2022 To 05 April 2023

Section A Reference and administration details

Charity name[The Coutts Staff Benevolent Trust incorporating The ] Coulthurst Fund (linked charity)

Other names charity is known by Registered charity number (if any) 279812

Charity's principal address One Redcliff Street

Bristol Postcode BS1 6TP

Names of the charity trustees who manage the charity

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Trustee name Office (if any) Dates acted if not for whole
year
Name of person (or body) entitled
to appoint trustee (ifany)
TLT LLP

Names of the trustees for the charity, if any, (for example, any custodian trustees)

Name Dates acted if not for whole year

March 2012

TAR

1

Names and addresses of advisers (Optional information)

Names and addresses of advisers (Optional information) Names and addresses of advisers (Optional information) Names and addresses of advisers (Optional information)
Type of adviser
Name
Address
Investment Managers Coutts & Co 440 The Strand, London, WC2R 0QS
Bankers Coutts & Co 440 The Strand, London, WC2R 0QS
Solicitors TLT LLP One Redcliffe Street, Bristol, BS1 6TP
Accountants Blue Spire Limited Cawley Priory, South Pallant, Chichester, West Sussex,
PO19 1SY

Name of chief executive or names of senior staff members (Optional information)

Section B Structure, governance and management

Description of the charity’s trusts

Type of governing document

Trust deed dated 20 March 1980

How the charity is constituted

Trust

Trustee selection methods

Trustees are appointed by the trustees.

Additional governance issues (Optional information)

You may choose to include additional information, where relevant, about:

Section C Objectives and activities

The objects of the charity are to pay or apply or cause to be paid or applied at such time or times and in such manner as the trustees shall in the discretion think fit the income and if and in so far as the trustees shall think fit the capital of the trust fund in or towards:

Summary of the objects of the think fit the capital of the trust fund in or towards: charity set out in its (a) The relief of any person who at any time is or has been employed by governing document the bank and who is poor

March 2012

TAR

2

(c) Such charitable bodies or for such other purposes as shall be exclusively charitable as the trustees shall from time to time decide.

.

In furtherance of the charity’s objects for the public benefit the trustees provides grants. In determining the charity’s activities the trustees have had regard to the Charity Commission’s guidance on public benefit.

Summary of the main activities undertaken for the public benefit in relation to these objects (include within this section the statutory declaration that trustees have had regard to the guidance issued by the Charity Commission on public benefit)

Additional details of objectives and activities (Optional information)

You may choose to include further statements, where relevant, about:

March 2012

TAR

3

Section D Achievements and performance

Summary of the main During the year under review the charities made 2 grant to individuals achievements of the charity totalling £4,928 as disclosed in the notes. during the year

March 2012

TAR

4

Section E Financial review

Brief statement of the charity’s policy on reserves

At the end of the reporting period the charity had free reserves amounting to £90,382 (2022: £72,153). In addition to the free reserves the charity has bank balances of £5,111 (2022: £11,849) and investment assets of £952,082 within the expendable endowment fund. The Trustees pursue a policy of maintaining a free reserve available to be spent in the furtherance of the charity’s objectives, as well as covering future needs, opportunities, contingencies and risks.

Details of any funds materially

in deficit

Further financial review details (Optional information)

You may choose to include additional information, where relevant about:

Section F Other optional information

Section G Declaration

The trustees declare that they have approved the trustees’ report above.

Signed on behalf of the charity’s trustees

Signature(s) Full name(s)[Deborah Gale ] On behalf of TLT LLP Position (eg Secretary, Chair, etc)

Date 20 February 2024

March 2012

TAR

5

Charity Name No (if any)
The Coutts Staff Benevolent Trust incorporating The Coulthurst Fund (linked charity) 279812
Receipts andpayments accounts CC16a
Period start date Period end date
For the period from 06 April 2022 To
To
05 April 2023
Section A Receipts and payments Section A Receipts and payments
A1 Receipts The Coutts
Staff
Benevolent
Trust
Unrestricted
funds
to the nearest £
The Coulthurst
Fund
Unrestricted
funds
to the nearest £
-
1,766
60
-
-
-
-
-
Restricted
funds
to the nearest £
The Coutts
Staff
Benevolent
Trust
Endowment
funds
to the nearest £
The Coulthurst
Fund
Endowment
funds
to the nearest £
Total funds
to the nearest £
Last year
to the nearest £
Legacyreceipts 10,000 - -
-
-
-
-
-
-
-
- - 10,000
17,119
523
1,135
-
-
-
-
-
Investment income 15,353 1,766 - - 14,519
Income from bank interest 463 60 - - 29
Return ofprofessional fees 1,135 - - - -
- - - - -
- - - - -
- - - - -
- - - - -
Sub total(Gross income for
AR)


26,951
1,826 - - - 28,777 14,548
-
-
A2 Asset and investment sales,
(see table).
Sale of investments - - -
-
545,021 62,517 607,538
-
360,088
- - - - -
Sub total - - - 545,021 62,517 607,538 360,088
Total receipts
A3 Payments
26,951 1,826 - 545,021 62,517 636,315 374,636
-
-
-
-
4,116
-
-
242
-
Grants awarded 4,928 - -
-
-
-
-
-
-
-
-
- - 4,928
3,764
-
1,546
8,131
-
-
484
-
350
Inv mgmt and admin - - 3,384 380 7,006
Independent examination - - - - -
Administrative services - Ludlow 1,546 - - - 1,510
Administrative services - TLT 4,015 4,116 - - -
Legal fees - - - - 2,095
Accountancyfees - - - - 630
Bank charges 242 242 - - -
- - - - -
**Sub total ** 10,731 4,358 - 3,384 380 18,853 11,591
-
-
-
-
605,971
-
A4 Asset and investment
purchases, (see table)
Investmentpurchases - - 542,840 63,131 348,314
- - - -
**Sub total ** - - - 542,840 63,131 605,971 348,314
Total payments
Net of receipts/(payments)
A5 Transfers between funds
A6 Cash funds last year end
**Cash funds this year end **
10,731 4,358 - 546,224 63,511 624,824 359,905
16,220 (2,532) - (1,203) (994) 11,491 14,731
4,204 337 -
-
(4,407) (134) -
84,002
-
69,375 2,778 10,166 1,683 69,271
89,799 583 - 4,556 555 95,493 84,002

CCXX R6 accounts (SS)

6

Section B Statement of assets and liabilities at the end of the period Section B Statement of assets and liabilities at the end of the period Section B Statement of assets and liabilities at the end of the period Endowment
funds
to nearest £
4,558
-
-
-
553
-
-
-
5,111
OK
Endowment
funds
to nearest £
-
-
-
-
-
-
Current value
(optional)
857,830
94,252
-
-
-
Current value
(optional)
-
-
-
-
-
When due
(optional)
Date of
approval
20 February 2024
Categories
Signed by one or two trustees on
behalf of all the trustees
B1 Cash funds
B2 Other monetary assets
B3 Investment assets
B4 Assets retained for the
charity’s own use
B5 Liabilities
(agree balances with receipts and payments
account(s))
Capital account (Coutts)
Income account (Coulthurst)
TLT Accounts (Coulthurst)
Total cash funds
Income account (Coutts)
Current account (Coutts)
Capital account (Coulthurst)
TLT Accounts (Coutts)
Current account (Coulthurst)
Details
Details
Investments (Coutts)
Investments (Coulthurst)
Details
Details
Signature
Unrestricted
funds
Restricted
funds
to nearest £
to nearest £
-
-
6,840
-
74,159
-
8,800
-
-
-
852
-
1,411
-
(1,680)
-
90,382
-
OK
OK
Unrestricted
funds
Restricted
funds
to nearest £
to nearest £
-
-
-
-
-
-
-
-
-
-
-
-
Fund to which
asset belongs
Cost (optional)
Endowment
-
Endowment
-
-
-
-
Fund to which
asset belongs
Cost (optional)
-
-
-
-
-
Fund to which
liability relates
Amount due
(optional)
-
-
-
-
-
Print Name
Deborah Gale
On behalf of TLT LLP
Deborah Gale
On behalf of TLT LLP
20 February

CCXX R7 accounts (SS)

7

Section C Notes to the Accounts

C1 Nature and purpose of funds Expendable endowment funds are those which are required to be invested to produce income but which may be transferred to (may be stated on analysis of unrestricted funds at the discretion of the trustees in order that they may be expended in furtherance of the charity's objectives. funds worksheets) Unrestricted income funds are available for use at the discretion of the trustees in furtherance of the general objectives of the charity and which have not been designated for other purposes. C2 Grants to institutions Recipient - 1 payment unless annotated £ Grants to individuals (Coutts) two grants 4,928 Grants to individuals (Coulthurst) 4,928 C3 Related party transactions No trustee received any remuneration nor reimbursed any expenses in the year under review. During the year under review TLT LLP, the trustee of the charity, were paid fees for the provision of administrative services amounting to £8,131. These fees are authorised under clause 11 of the trust deed.

CCXX R8 accounts (SS)

8

Independent Examiner's Report to the Trustees of The Coutts Staff Benevolent Trust

I report to the charity trustees on my examination of the accounts of the charity for the year ended 05 April 2023 as set out on pages 6 to 8.

Responsibilities 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 2011 (‘the Act’).

I report in respect of my examination of the charity’s accounts carried out under section 145 of the 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

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

  1. accounting records were not kept in respect of the charity as required by section 130 of the Act; or 2. the accounts do not accord with those records.

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.

21 February 2024 Geoffrey Frost BSc(Hons) FCA Date Blue Spire Limited Cawley Priory South Pallant Chichester West Sussex PO19 1SY

9

Trustees' Annual Report for the period

Period start date Period end date Day Month Year Day Month Year From 06 April 2022 To 05 April 2023

Section A Reference and administration details

Charity name[The Coutts Staff Benevolent Trust incorporating The ] Coulthurst Fund (linked charity)

Other names charity is known by Registered charity number (if any) 279812

Charity's principal address One Redcliff Street

Bristol Postcode BS1 6TP

Names of the charity trustees who manage the charity

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Trustee name Office (if any) Dates acted if not for whole
year
Name of person (or body) entitled
to appoint trustee (ifany)
TLT LLP

Names of the trustees for the charity, if any, (for example, any custodian trustees)

Name Dates acted if not for whole year

March 2012

TAR

1

Names and addresses of advisers (Optional information)

Names and addresses of advisers (Optional information) Names and addresses of advisers (Optional information) Names and addresses of advisers (Optional information)
Type of adviser
Name
Address
Investment Managers Coutts & Co 440 The Strand, London, WC2R 0QS
Bankers Coutts & Co 440 The Strand, London, WC2R 0QS
Solicitors TLT LLP One Redcliffe Street, Bristol, BS1 6TP
Accountants Blue Spire Limited Cawley Priory, South Pallant, Chichester, West Sussex,
PO19 1SY

Name of chief executive or names of senior staff members (Optional information)

Section B Structure, governance and management

Description of the charity’s trusts

Type of governing document

Trust deed dated 20 March 1980

How the charity is constituted

Trust

Trustee selection methods

Trustees are appointed by the trustees.

Additional governance issues (Optional information)

You may choose to include additional information, where relevant, about:

Section C Objectives and activities

The objects of the charity are to pay or apply or cause to be paid or applied at such time or times and in such manner as the trustees shall in the discretion think fit the income and if and in so far as the trustees shall think fit the capital of the trust fund in or towards:

Summary of the objects of the think fit the capital of the trust fund in or towards: charity set out in its (a) The relief of any person who at any time is or has been employed by governing document the bank and who is poor

March 2012

TAR

2

(c) Such charitable bodies or for such other purposes as shall be exclusively charitable as the trustees shall from time to time decide.

.

In furtherance of the charity’s objects for the public benefit the trustees provides grants. In determining the charity’s activities the trustees have had regard to the Charity Commission’s guidance on public benefit.

Summary of the main activities undertaken for the public benefit in relation to these objects (include within this section the statutory declaration that trustees have had regard to the guidance issued by the Charity Commission on public benefit)

Additional details of objectives and activities (Optional information)

You may choose to include further statements, where relevant, about:

March 2012

TAR

3

Section D Achievements and performance

Summary of the main During the year under review the charities made 2 grant to individuals achievements of the charity totalling £4,928 as disclosed in the notes. during the year

March 2012

TAR

4

Section E Financial review

Brief statement of the charity’s policy on reserves

At the end of the reporting period the charity had free reserves amounting to £90,382 (2022: £72,153). In addition to the free reserves the charity has bank balances of £5,111 (2022: £11,849) and investment assets of £952,082 within the expendable endowment fund. The Trustees pursue a policy of maintaining a free reserve available to be spent in the furtherance of the charity’s objectives, as well as covering future needs, opportunities, contingencies and risks.

Details of any funds materially

in deficit

Further financial review details (Optional information)

You may choose to include additional information, where relevant about:

Section F Other optional information

Section G Declaration

The trustees declare that they have approved the trustees’ report above.

Signed on behalf of the charity’s trustees

Signature(s) Full name(s)[Deborah Gale ] On behalf of TLT LLP Position (eg Secretary, Chair, etc)

Date 20 February 2024

March 2012

TAR

5

Charity Name No (if any)
The Coutts Staff Benevolent Trust incorporating The Coulthurst Fund (linked charity) 279812
Receipts andpayments accounts CC16a
Period start date Period end date
For the period from 06 April 2022 To
To
05 April 2023
Section A Receipts and payments Section A Receipts and payments
A1 Receipts The Coutts
Staff
Benevolent
Trust
Unrestricted
funds
to the nearest £
The Coulthurst
Fund
Unrestricted
funds
to the nearest £
-
1,766
60
-
-
-
-
-
Restricted
funds
to the nearest £
The Coutts
Staff
Benevolent
Trust
Endowment
funds
to the nearest £
The Coulthurst
Fund
Endowment
funds
to the nearest £
Total funds
to the nearest £
Last year
to the nearest £
Legacyreceipts 10,000 - -
-
-
-
-
-
-
-
- - 10,000
17,119
523
1,135
-
-
-
-
-
Investment income 15,353 1,766 - - 14,519
Income from bank interest 463 60 - - 29
Return ofprofessional fees 1,135 - - - -
- - - - -
- - - - -
- - - - -
- - - - -
Sub total(Gross income for
AR)


26,951
1,826 - - - 28,777 14,548
-
-
A2 Asset and investment sales,
(see table).
Sale of investments - - -
-
545,021 62,517 607,538
-
360,088
- - - - -
Sub total - - - 545,021 62,517 607,538 360,088
Total receipts
A3 Payments
26,951 1,826 - 545,021 62,517 636,315 374,636
-
-
-
-
4,116
-
-
242
-
Grants awarded 4,928 - -
-
-
-
-
-
-
-
-
- - 4,928
3,764
-
1,546
8,131
-
-
484
-
350
Inv mgmt and admin - - 3,384 380 7,006
Independent examination - - - - -
Administrative services - Ludlow 1,546 - - - 1,510
Administrative services - TLT 4,015 4,116 - - -
Legal fees - - - - 2,095
Accountancyfees - - - - 630
Bank charges 242 242 - - -
- - - - -
**Sub total ** 10,731 4,358 - 3,384 380 18,853 11,591
-
-
-
-
605,971
-
A4 Asset and investment
purchases, (see table)
Investmentpurchases - - 542,840 63,131 348,314
- - - -
**Sub total ** - - - 542,840 63,131 605,971 348,314
Total payments
Net of receipts/(payments)
A5 Transfers between funds
A6 Cash funds last year end
**Cash funds this year end **
10,731 4,358 - 546,224 63,511 624,824 359,905
16,220 (2,532) - (1,203) (994) 11,491 14,731
4,204 337 -
-
(4,407) (134) -
84,002
-
69,375 2,778 10,166 1,683 69,271
89,799 583 - 4,556 555 95,493 84,002

CCXX R6 accounts (SS)

6

Section B Statement of assets and liabilities at the end of the period Section B Statement of assets and liabilities at the end of the period Section B Statement of assets and liabilities at the end of the period Endowment
funds
to nearest £
4,558
-
-
-
553
-
-
-
5,111
OK
Endowment
funds
to nearest £
-
-
-
-
-
-
Current value
(optional)
857,830
94,252
-
-
-
Current value
(optional)
-
-
-
-
-
When due
(optional)
Date of
approval
20 February 2024
Categories
Signed by one or two trustees on
behalf of all the trustees
B1 Cash funds
B2 Other monetary assets
B3 Investment assets
B4 Assets retained for the
charity’s own use
B5 Liabilities
(agree balances with receipts and payments
account(s))
Capital account (Coutts)
Income account (Coulthurst)
TLT Accounts (Coulthurst)
Total cash funds
Income account (Coutts)
Current account (Coutts)
Capital account (Coulthurst)
TLT Accounts (Coutts)
Current account (Coulthurst)
Details
Details
Investments (Coutts)
Investments (Coulthurst)
Details
Details
Signature
Unrestricted
funds
Restricted
funds
to nearest £
to nearest £
-
-
6,840
-
74,159
-
8,800
-
-
-
852
-
1,411
-
(1,680)
-
90,382
-
OK
OK
Unrestricted
funds
Restricted
funds
to nearest £
to nearest £
-
-
-
-
-
-
-
-
-
-
-
-
Fund to which
asset belongs
Cost (optional)
Endowment
-
Endowment
-
-
-
-
Fund to which
asset belongs
Cost (optional)
-
-
-
-
-
Fund to which
liability relates
Amount due
(optional)
-
-
-
-
-
Print Name
Deborah Gale
On behalf of TLT LLP
Deborah Gale
On behalf of TLT LLP
20 February

CCXX R7 accounts (SS)

7

Section C Notes to the Accounts

C1 Nature and purpose of funds Expendable endowment funds are those which are required to be invested to produce income but which may be transferred to (may be stated on analysis of unrestricted funds at the discretion of the trustees in order that they may be expended in furtherance of the charity's objectives. funds worksheets) Unrestricted income funds are available for use at the discretion of the trustees in furtherance of the general objectives of the charity and which have not been designated for other purposes. C2 Grants to institutions Recipient - 1 payment unless annotated £ Grants to individuals (Coutts) two grants 4,928 Grants to individuals (Coulthurst) 4,928 C3 Related party transactions No trustee received any remuneration nor reimbursed any expenses in the year under review. During the year under review TLT LLP, the trustee of the charity, were paid fees for the provision of administrative services amounting to £8,131. These fees are authorised under clause 11 of the trust deed.

CCXX R8 accounts (SS)

8

Independent Examiner's Report to the Trustees of The Coutts Staff Benevolent Trust

I report to the charity trustees on my examination of the accounts of the charity for the year ended 05 April 2023 as set out on pages 6 to 8.

Responsibilities 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 2011 (‘the Act’).

I report in respect of my examination of the charity’s accounts carried out under section 145 of the 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

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

  1. accounting records were not kept in respect of the charity as required by section 130 of the Act; or 2. the accounts do not accord with those records.

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.

21 February 2024 Geoffrey Frost BSc(Hons) FCA Date Blue Spire Limited Cawley Priory South Pallant Chichester West Sussex PO19 1SY

9

The Coutts Staff Benevolent Trust TLT Solicitors 1 Redcliff Street Bristol BS1 6TP

Blue Spire Limited Cawley Priory South Pallant Chichester West Sussex PO19 1SY

Dear Sirs

The Coutts Staff Benevolent Trust

The following representations are made on the basis of enquiries of management and staff with relevant knowledge and experience such as we consider necessary in connection with your independent examination of the charity’s financial statements for the year ended 5 April 2023. These enquiries have included inspection of supporting documentation where appropriate and are sufficient to satisfy ourselves that we can make each of the following representations. All representations are made to the best of our knowledge and belief.

General

Assets and liabilities

Accounting estimates

Legal claims

Laws and regulations

Related parties

Subsequent events

Going concern

Grants and donations

Grant awards

18 Grants awarded in the year have been made in furtherance of the charity’s objects for the public benefit..

Yours faithfully

.............................................................................................................................. Deborah Gale on behalf of TLT Trustees Limited / Trustee Signed on behalf of the board of trustees

Date[20 February 2024]