Hello Alan.
I am hoping that we are able to help each other. My Paternal Grandmother is Anna Elizabeth Kermode. Her Father is John Kermode and her mother Susannah Cannan. Anna emmigrated here to N.Z in 1912c. I have found a burial for Charlotte Maggie on 12 Oct 1912 in Kirk Michael burial records. The dates seem to fit with her age on the 1901 census.
My father (Anna's son) is now 89 and is desparate to try to find out more about his heritage. Unfortunately Anna died in 1927. I am positive that we have the same John Kermode because Dad can remember his mother saying that her mother died and her father remarried. Here's hoping you can make an old man very happy.