sr BEGA CHARITABLE TRusr (Charlty Nth. 32n67) ADTr1 Report ltythe Year ended 3151 December 2020 Address West Mirehouse, Keswick, Cumbria, CA12 4QE Maln Objert This is set out in a Trust Deed dated 1st October 1986. States th*: The Trustees may at any tlme or times distribute the whole or part or part5 of the capital of the Trust Fund by paying the same to such charities or applwng the same for such charltable purposes in such shares and proportions and generally in such manner in all re5perts as the Trustees shall In their dSscretlon decide. Maln Artl¥ltles This is a small general 8rant maklng charitsble trust. The Trustees hove ld due regard to the 8uldance In Public Benefft, given by the Charlty Commlsslon. They have used thelr best endeavours to ensure that they have made 8rants for the publk benefft. Investment Poll¢y The Trustees are advised by Investment mana8ers who are instwrted to maintsin J falr balance between Income and growth. avotding hi8h risk stocks and certaln other stocks. Reserv•s Pollcy The Trustees do not malntaln reserves. except to the extent that at the end of the financlal year they may antlclpate a requirement for a particular 8rant early In the followlng year. Grnnts Polky The Trustees exerclse a wlde d15cretlon. They nom)ally make 8rnnts to reglstered charftles only. Truste•s The Trustees are John Henry Fryer Fryer-Speddln8 and Clare Carollne Fryer-speddlng both of the Charlty address. Professlonal Ad¥lsers nkers: CAF Bank. 25 Klngs Hill Avenue, Kin8s Hlll. West Mallln& Kent. ME19 4JQ Solicitors: Messrs Veale Wa5brough VardS, 24 King Wllllam Street, London. EC4R 9AT Investment A Qullter Cheviot, One fin8sway. london. WC28 6AN 29 Ortober2021 John Fryer-speddinq Trustee
Independent Exarninerf5 Report to the Trustees St Be8a Charltable Trust Icharlty Re8lstered No. 3272671 report on the accounts of the Trust forthe year ended 315t December 2020. whlch are set out on page 01. Respertlve rejponslbllltles of trustees and examlner The charitW5 trustees are responsible for the preparatlon of the accounts. The charltrfs trustees conslder that an audit 15 not required for this year (under Section 43121 of the Charftles Art 1993 (the 1993 Artl and that an independent examlnation is needed. It Is my responslblllty to: examine the accounts (under section 4313llal of the 1993 Act): to follow the procedures laid down in the General Directions given by the Charlty Commlssloners lunder settion 4317llbl of the 1993 Adl: and to state whether p4rt1cular matter5 have come to my attentlon. Basls of examlnerfs report My examination was carrled out In accordance wtth the General Dlrectlons glven by the Charlty Commissioner5. An examination includes a review of the atcountln8 records kept by the charlty and a comparlson for the accounts presented wlth those records. It also includes conslderation of any unusual Items or dlsclosures In the accounts. and seeking explanatlons from you as trustees concernlng any such matters. The procedures undertaken do not provide all the ewdence that would be requlred In an audlt, and consequently I do not express an audlt oplnlon on the vlew pJven by the accounts. Independent examlnerfs ststement In connettlon with my examination. no matter has come to my attentlon: 111 whl¢h 8lves me reasonable cause to belleve thaL Sn any materlal respecL the requlrements to keep accountlng records in accordance wtth section 41 of the 1993 Act: and to prepare accounts which accord with the accountin8 record5 and comply wlth the accountln8 requlrements of the 1993 Act have not been met,. or 121 to which, in my opinion. attention sh(ld be drawn in orderto enable a proper understandin8 of the accounts to be reached. Name.. Address.. Date:
| St Bega Charitable Trust Accounts for Year ended 31.12.20 | St Bega Charitable Trust Accounts for Year ended 31.12.20 | St Bega Charitable Trust Accounts for Year ended 31.12.20 | |
|---|---|---|---|
| INCOME | |||
| CAF Bank: No 2 a/c Interest no longerpaid | |||
| CAF Gold a/c[a/c closed 2018] | |||
| CAF Common Investment Fund | |||
| FUND ROCK CAF International Equity Growth Fund A(Income) | |||
| DATE | PERIOD COVERED | TOTAL DISTRIB | |
| 13.3.20 | 1.11.19-31.1.20 | 32.36 | |
| 15.6.20 | to end April 2020 | 24.44 | |
| 15.9.20 | see letters overleaf | 0.00 | |
| 15.12.20 | to 31.10.20 | 52.07 | |
| TOTAL | £108.87 | ||
| CAF Common Investment Fund | |||
| CAF UK Equity Growth Fund B(Income Units) | |||
| DATE | PERIOD COVERED | TOTAL DISTRIB | |
| 13.3.20 | 1.11.19-31.1.20 | 963.54 | |
| 15.6.20 | to 30.4.20 | 139.00 | |
| 15.9.20 | to 31.7.20 | 332.55 | |
| 15.12.20 | to 31.10.20 | 172.94 | |
| TOTAL | £1,608.03 | ||
| CCLA/CBF C of E GE Inc Fnd | |||
| DATE | AMOUNT | ||
| 28.2.20 | 275.38 | ||
| 29.5.20 | 275.38 | ||
| 28.8.20 | 275.38 | ||
| 30.11.20 | 284.72 | ||
| TOTAL | £1,110.86 | ||
| M&G 'Charibond'Charities Fixed Interest Common | |||
| Investment Trust Income Shares[CLOSED 2018] | |||
| M&G The Equities Investment Fund for Charities'Charifund' | |||
| Accumulation Units | |||
| DATE | PERIOD COVERED | AMOUNT | |
| 28.2.20 | 1.11.19-31.1.20 | 521.70 | |
| 29.5.20 | 1.2.20-30.4.20 | 721.50 | |
| 28.8.20 | 1.5.20-31.7.20 | 654.90 | |
| 5.12.20 | 1.8.20-31.10.20 | 654.90 | |
| for inclusion in Bank Reconciliation | TOTAL | £2,553.00 |
| M&G The Equities Investment Fund for Charities 'Charifund' | |||
| Income Units | |||
| DATE | PERIOD COVERED | AMT[Dividend + | |
| Equalisation | |||
| where applicable] | |||
| 28.2.20 | 1.11.19-31.1.20 | 1803.06 | |
| 29.5.20 | 1.2.20-30.4.20 | 2447.01 | |
| 28.8.20 | 1.5.20-31.7.20 | 2189.43 | |
| 15.12.20 | 1.8.20-31.10.20 | 2189.43 | |
| TOTAL | £8,628.93 | ||
| PRIVATE DONATION | |||
| DATE | Ref | AMOUNT | |
| 18.9.20 | £8,000.00 | ||
| TOTAL | £8,000.00 | ||
| Quilter: Income a/c | |||
| BACS 00004405 to CAF 2 a/c | |||
| DATE | CREDITED | ||
| Period to 31.12.19 | £624.38 | ||
| Period to 31.1.20 | £277.68 | ||
| Period to 28.2.20 | £590.37 | ||
| Period to 31.3.20 | £1,236.37 | ||
| Period to 30.4.20 | £736.15 | ||
| Period to 31.5.20 | £961.99 | ||
| Period to 30.6.20 | £457.03 | ||
| Period to 31.7.20 | £219.93 | ||
| Period to 31.8.20 | £564.32 | ||
| Period to 30.9.20 | £1,161.19 | ||
| Period to 31.10.20 | £318.75 | ||
| Period to 30.11.20 | £525.07 | ||
| TOTAL | £7,673.23 | ||
| GROSS INCOME | |||
| CAF: CIF IEGF A[Inc Units] | £108.87 | ||
| CAF: CIF UK EGF B[Inc Units] | £1,608.03 | ||
| CBF[CofE] [CCLA]GlF | £1,110.86 | ||
| M&G: Charifund-Inc Units | £8,628.93 | ||
| add M&G: Charifund-Acc. Units | £2,553.00 | ||
| Private Donations[HSBC AF] | £8,000.00 | ||
| Quilter Income a/c | £7,673.23 | ||
| GROSS TOTAL INCOME | £29,682.92 | ||
| St Bega Charitable Trust Accounts for Year ended 31.12.20 | St Bega Charitable Trust Accounts for Year ended 31.12.20 | St Bega Charitable Trust Accounts for Year ended 31.12.20 | St Bega Charitable Trust Accounts for Year ended 31.12.20 | |
|---|---|---|---|---|
| EXPENDITURE | ||||
| Deposits/Purchases in favour of St Bega Charitable Trust | ||||
| DATE | CQNo | COMPANY | AMOUNT | |
| TOTAL | N/A | |||
| Charitable Donations for Year ended 31.12.20 | ||||
| DATE | CQ NO. | CHARITY | AMOUNT | |
| 6.1.20 | 607 | Cumbria Theatre Trust | £250.00 | |
| 8.2.20 | 608 | ABF | £40.00 | |
| 13.2.20 | 609 | Christian Aid | £1,000.00 | |
| 21.3.20 | 610 | Cumbria CommunityFoundation | £5,000.00 | |
| 23.3.20 | 611 | North Lakes Foodbank | £500.00 | |
| 17.4.20 | 612 | Christian Aid | £1,000.00 | |
| 9.5.20 | 613 | M Smaile/St Bega's Churchyard | £32.02 | |
| 1.6.20 | 614 | KingGeo VI Sch Bulawayo | £1,000.00 | |
| 13.7.20 | 615 | Societyof St Francis | £200.00 | |
| 29.7.20 | 616 | Salvation Army | £250.00 | |
| 5.8.20 | 617 | M Smaile re: Bassenthwaite DC | £120.06 | |
| 20.8.20 | 618 | ABF The Soldiers' Charity | £50.00 | |
| 16.9.20 | 619 | KingGeorge VI School | £1,300.00 | |
| 27.9.20 | 620 | Uppington PCC | £100.00 | |
| 6.10.20 | 621 | M Smaile re Bassenthwaite DC | £134.40 | |
| 16.10.20 | 622 | Christian Aid | £1,000.00 | |
| 27.11.20 | 623 | TreeAid | £500.00 | |
| 27.11.20 | 624 | Carlisle Cathedral | £500.00 | |
| 27.11.20 | 625 | Hospice at Home C'lisle & N Lakes | £1,000.00 | |
| 27.11.20 | 626 | Médecins sans Frontières | £1,000.00 | |
| 28.11.20 | 627 | Bassenthwaite DC | £2,800.00 | |
| 28.11.20 | 628 | Lake District CalvertyTrust | £5,000.00 | |
| 28.11.20 | 629 | Lake District CalvertyTrust[Haggis] | £1,200.00 | |
| 27.11.20 | 630 | St Andrew's Kinson | £200.00 | |
| 27.11.20 | 631 | St Mary's West Moors PCC | £100.00 | |
| 27.11.20 | 632 | Rosmere Cancer Trust | £500.00 | |
| 27.11.20 | 633 | Keswick St John PCC | £700.00 | |
| 27.11.20 | 634 | Independent Age | £500.00 | |
| 27.11.20 | 635 | Keswick Cricket Club | £100.00 | |
| 27.11.20 | 636 | Wordsworth Trust | £1,000.00 | |
| 27.11.20 | 637 | Salvation Army | £250.00 | |
| 27.11.20 | 638 | Calvert Trust Exmoor | £1,000.00 | |
| TOTAL | £28,326.48 | |||
| St Bega Charitable Trust Accounts for Year ended 31.12.20 | St Bega Charitable Trust Accounts for Year ended 31.12.20 | St Bega Charitable Trust Accounts for Year ended 31.12.20 | St Bega Charitable Trust Accounts for Year ended 31.12.20 | |
|---|---|---|---|---|
| EXPENDITURE | ||||
| Deposits/Purchases in favour of St Bega Charitable Trust | ||||
| DATE | CQNo | COMPANY | AMOUNT | |
| TOTAL | N/A | |||
| Charitable Donations for Year ended 31.12.20 | ||||
| DATE | CQ NO. | CHARITY | AMOUNT | |
| 6.1.20 | 607 | Cumbria Theatre Trust | £250.00 | |
| 8.2.20 | 608 | ABF | £40.00 | |
| 13.2.20 | 609 | Christian Aid | £1,000.00 | |
| 21.3.20 | 610 | Cumbria CommunityFoundation | £5,000.00 | |
| 23.3.20 | 611 | North Lakes Foodbank | £500.00 | |
| 17.4.20 | 612 | Christian Aid | £1,000.00 | |
| 9.5.20 | 613 | M Smaile/St Bega's Churchyard | £32.02 | |
| 1.6.20 | 614 | KingGeo VI Sch Bulawayo | £1,000.00 | |
| 13.7.20 | 615 | Societyof St Francis | £200.00 | |
| 29.7.20 | 616 | Salvation Army | £250.00 | |
| 5.8.20 | 617 | M Smaile re: Bassenthwaite DC | £120.06 | |
| 20.8.20 | 618 | ABF The Soldiers' Charity | £50.00 | |
| 16.9.20 | 619 | KingGeorge VI School | £1,300.00 | |
| 27.9.20 | 620 | Uppington PCC | £100.00 | |
| 6.10.20 | 621 | M Smaile re Bassenthwaite DC | £134.40 | |
| 16.10.20 | 622 | Christian Aid | £1,000.00 | |
| 27.11.20 | 623 | TreeAid | £500.00 | |
| 27.11.20 | 624 | Carlisle Cathedral | £500.00 | |
| 27.11.20 | 625 | Hospice at Home C'lisle & N Lakes | £1,000.00 | |
| 27.11.20 | 626 | Médecins sans Frontières | £1,000.00 | |
| 28.11.20 | 627 | Bassenthwaite DC | £2,800.00 | |
| 28.11.20 | 628 | Lake District CalvertyTrust | £5,000.00 | |
| 28.11.20 | 629 | Lake District CalvertyTrust[Haggis] | £1,200.00 | |
| 27.11.20 | 630 | St Andrew's Kinson | £200.00 | |
| 27.11.20 | 631 | St Mary's West Moors PCC | £100.00 | |
| 27.11.20 | 632 | Rosmere Cancer Trust | £500.00 | |
| 27.11.20 | 633 | Keswick St John PCC | £700.00 | |
| 27.11.20 | 634 | Independent Age | £500.00 | |
| 27.11.20 | 635 | Keswick Cricket Club | £100.00 | |
| 27.11.20 | 636 | Wordsworth Trust | £1,000.00 | |
| 27.11.20 | 637 | Salvation Army | £250.00 | |
| 27.11.20 | 638 | Calvert Trust Exmoor | £1,000.00 | |
| TOTAL | £28,326.48 | |||
| Quilter Management Fees[incl. VAT] foryear ended 31.12.20 | Quilter Management Fees[incl. VAT] foryear ended 31.12.20 | Quilter Management Fees[incl. VAT] foryear ended 31.12.20 | Quilter Management Fees[incl. VAT] foryear ended 31.12.20 | |
|---|---|---|---|---|
| DATE | for PERIOD to | VAT NET | TOTAL | |
| 9.1.20 | 1.10.19-31.12.19 | 4.53 322.65 | 387.18 | |
| 6.4.20 | 30.6.20 | 58.23 291.13 | 349.36 | |
| 6.7.20 | 30.9.20 | 55.69 278.44 | 334.13 | |
| 7.10.20 | to 31.12.20 | 55.87 279.35 | 335.22 | |
| TOTAL | £1,405.89 | |||
| CAF BANK MTHLY | GROSS TOTAL EXPENDITURE | |||
| ACCOUNT FEES | Charitable Donations | £28,326.48 | ||
| DATE | AMOUNT | Quilter Management Fees | £1,405.89 | |
| 15.1.20 | £5.00 | Deposit/Purchases to St Bega C T | £0.00 | |
| 19.2.20 | £5.00 | CAF Bank Charges | £60.00 | |
| 15.3.20 | £5.00 | TOTAL | £29,792.37 | |
| 15.4.20 | £5.00 | |||
| 15.5.20 | £5.00 | |||
| 15.6.20 | £5.00 | |||
| 15.7.20 | £5.00 | |||
| 19.8.20 | £5.00 | |||
| 15.9.20 | £5.00 | |||
| 15.10.20 | £5.00 | |||
| 19.11.20 | £5.00 | |||
| 15.12.20 | £5.00 | |||
| TOTAL | £60.00 | |||
| GROSS TOTAL INCOME | £29,682.92 | |||
| GROSS TOTAL EXPENDITURE | £29,792.37 | |||
| BANK RECONCILIATION | BANK RECONCILIATION | BANK RECONCILIATION | BANK RECONCILIATION | BANK RECONCILIATION | BANK RECONCILIATION | BANK RECONCILIATION | BANK RECONCILIATION | BANK RECONCILIATION | |||
|---|---|---|---|---|---|---|---|---|---|---|---|
| BANK ACCOUNT | |||||||||||
| Balance b/f | 11371.97 | ||||||||||
| less o/s cheques | 500.00 | ||||||||||
| 400.00 | |||||||||||
| 1000.00 | 1900.00 | ||||||||||
| 9471.97 | |||||||||||
| INCOME | |||||||||||
| CAF | 108.87 | ||||||||||
| CAF | 1608.03 | ||||||||||
| CAF | 1110.86 | ||||||||||
| M&G Inc Units | 8628.93 | ||||||||||
| Quilter Income | 7673.23 | 19129.92 | |||||||||
| Private donation | 8000.00 | ||||||||||
| £ | 36601.89 | ||||||||||
| EXPENSES | |||||||||||
| Donations | 28326.48 | ||||||||||
| Bank Charges | 60.00 | ||||||||||
| BALANCE c/f | £ | 11215.41 | |||||||||
| less o/s cheques | 200.00 | ||||||||||
| 100.00 | |||||||||||
| 500.00 | |||||||||||
| 700.00 | |||||||||||
| 500.00 | |||||||||||
| 1000.00 | 3000.00 | 8215.41 | |||||||||
| £ | 36601.89 | ||||||||||
| INCOMEper BANK | 27129.92 | EXPENSESper BANK | 28386.48 | ||||||||
| M&G Accum.Units | 2553.00 | Quilter fees | 1405.89 | ||||||||
| £ | 29682.92 | £ | 29792.37 | ||||||||