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2021-04-05-accounts

MAKING JESUS KNOWN

ANNUAL REPORT (SEPTEMBER 2020 SEPTEMBER

2021)

~~Ps~~

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WHITTON BAPTIST CHURCH

The Aims and Purpose of Whitton Baptist Church.

The principle purpose of Whitton Baptist Church is the advancement of the Christian Faith according to the principles of the Baptist Denomination.

The Church may also advance education and carry out other charitable purposes in the UK and/or other parts of the world.

To achieve this purpose, the church engages in regular public worship, bible study, preaching and teaching, Baptism as defined in BUGB’s Declarations of Principle, regular communion of the Lord’s supper, evangelism and mission, inclusion and teaching of young people, including Girls Brigade, Mothers and Toddlers; nurture and growth of Christian disciples, giving and encouraging pastoral care.

The Church operates under a Trust Deed dated February 14th 1882, as amended by the adoption in 2008 of new Trusts based on the Baptist Union Model Trusts for Churches. The 1882 Trust Deed provided for the erection of a place of Divine Worship for members of the Baptist Denomination. The original site was compulsorily acquired in the 1930’s and the compensation monies were applied for the purchase of the present site and the erection of the Church buildings in Hounslow Road.

The following report outlines the objectives and activities of Whitton Baptist Church during the period 09/20-09/21

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PUBLIC BENEFIT STATEMENT

The church’s trustees have – as described below - regard to the Charity Commission’s guidance on Public Benefit in planning and leading the church’s work in pursuance of these purposes.

Purpose 1 - advancement of the Christian faith

The church carries out this purpose by activities including but not limited to:

a) Organising weekly services for members and non-members, to present the teachings of the Bible and to provide opportunities for Christian response, including but not limited to prayer, communion and worship . Since 2019 our church has sponsored an Asian congregation to meet in the church, on a Sunday afternoon, led by Tasawer Pandayer a trainee minister.

The meetings are free of charge and open to all, and the public benefit of such meetings is expected to be through the promotion of individual well being and family stability, and increased ability for attendees to contribute positively to society.

b) Organising meetings on most days of the week, including children’s work, Teddy Tots and a Lunch Club, all of which are open to people from Whitton and the surrounding area .

These meetings contribute to the physical, social and spiritual development of the children and Young People; the young mothers or carers of toddlers and, for those who attend Lunch Club, provide a nutritious meal, and an opportunity for social interaction.

c) Employing a full time minister, part of whose responsibility is to promote and support work with children - both in local schools and through church-based activities – and to be available to any member of the Whitton community who seeks his support or advice.

d) Providing support and guidance to those activities of its members which seek to promote and express, in Whitton and the surrounding area, an understanding of the Christian beliefs as set out in the Baptist Declaration of Principle.

The benefit of such support and guidance is to enable church members to be better able to serve in the local community – including the support of local charities. In addition to encouraging such participation in the community, the church provides teaching and training opportunities for members, including mid-

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week groups, and promotes external courses, events and opportunities to volunteer. These are advertised in the weekly church bulletin and on the church website.

Purpose 2 – other charitable activities

The church carries out this purpose by activities including but not limited to:

e) Assisting the work of individual Christians, Christian organisations, and International Charities insofar as that work, whether in this country or abroad, accords with the church’s aims .

The church makes donations as agreed by its members from the annual budget. The public benefit of providing support and resources to such charitable organizations is expected to be in accordance with their aims and purposes, which include religious activity, relief of poverty, training and equipping, work with youth and the elderly, homeless and others in need, not only in Whitton and the surrounding neighbourhood but also abroad. The most recent version of the church’s published accounts list those of charities and individuals supported during the past financial year. The list includes those working towards international relief, eg Tear Fund, and the Baptist Union of Great Britain and BMS World Mission.

f) Supporting acts of social concern to benefit persons in Whitton and the surrounding area on the basis of their need .

The public benefit of these acts is expected to be in the area of poverty relief, caring, youth and elderly people’s activities aimed promoting their health, wellbeing, spiritual life and education, and is addressed by church activities, volunteer activities of individual members, and also by donations to appropriate charitable organizations and activities as agreed by the members of the church and distributed at the discretion of the Trustees in accordance with the annual budget. Through gifts and/or the provision of an affordable venue, the church currently supports the work of SPEAR in the London Borough of Richmond for homeless young people, “Medau” exercise and recreational activity for the elderly, “Blue Iris Nursery” for small children, Whitton Choral Society for rehearsals and concerts, church groups for all ages, and other independent groups in the community.

g) Developing relationships with other churches in Whitton and the surrounding areas, as well as nationally and overseas, which are mutually beneficial in advancing the church’s aims.

The public benefit of such association is expected to be in community events falling under items b) or c) above and undertaken in conjunction with other churches. Whitton Baptist Church is a member of Churches Together in Whitton, the London Baptist Association and the Baptist Union of Great Britain, which enables it to coordinate its work with other churches in Whitton and beyond.

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In accordance with the Constitution, the trustees are the minister and deacons of the church. These are elected by the church members, in the case of the deacons from among the church members and for a renewable period of three years. A majority of the trustees must have been baptised by immersion.

- NB. ALL THE ABOVE ARE SUBJECT TO COVID 19 RESTRICTIONS;

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Annual Report

An Overview.

From September 2020 the covid 19 restrictions came and went and came again; They were modified and with the ‘only mask when mobile’ rule in place we saw more and more people returning to the morning services. We were also able to have communion as DIY communion packs were purchased for both congregations. During the lockdown at the start of the year, we continued to broadcast the morning service and when face to face restarted, the service was broadcast through Youtube, to those who felt unable to attend. Since restrictions were modified more people returned to the morning service, so the recording was suspended. Contact with those who were unable to get to church was maintained through the Tuesday evening zoom bible study and a virtual coffee morning where people joined in to discuss a prearranged topic and imbibe in their own choice of drink.

Teddy Tots and Girls Brigade started back up but Lunch club and home groups were put on hold. It was with regret that, when Rob and Sarah moved away to Derbyshire, the church had to close down the Boys Brigade due to lack of staffing.

The Asian congregation also met by zooms, until such times as face to face meetings were allowed and attendance fluctuated due to the covid-19. The pastoral Care team were kept busy with informing Gordon and others as to who needed support or a visit, and the contact list was continued to enable the team to contact those who were still unable to attend.. Now that face to face services are possible, the question arises ‘when can we serve refreshments?’ This is still to be agreed, as the health and safety precautions are still in place and we will continue to act with caution. Overall it’s been a ‘bitty’ year governed by the covid restrictions. We were fortunate to celebrate with a modified Carol service in December . Stephen Rand led our church anniversary service in June, but the church meeting was postponed from December to September 2021. In August we updated our safeguarding policy to include ‘vulnerable adults’ in line with BUGB guidelines.

Those outside organisations, that hired our premises, before lockdown have now returned and interest has been shown from Riverbank Trust to run a drop in centre.

MEMBERSHIP

68 members were registered at December 2020. Since then we have had 2 home calls and the number of those unable to attend has increased.

DEACONS

During the reviewed period the Board of Deacons consisted of Rev Gordon Hindmarch; Denis Allnutt: Peter Boulter; Brenda Lambourne: Sheila Collins: Bryan Johnson (RETIRED) Ruby Olivier: and Osa Osifo.

The deacons met on 10 occasions, via zoom, to discuss church business. Tasawer Pandanya was invited to attend on alternate months or when relevant

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ASIAN CONGREGATION

The Church appointed Tasawer Pandayar in April 2020 on a part time basis to lead its new Sunday afternoon Congregation which aims predominantly at Urdu and Hindi speaking Christians. Services last about 90 minutes and are regularly attracting 20-30 people. Various items of equipment, including suitable musical instruments, were obtained with the assistance of a mission grant from the London Baptist Association. There was delay in launching the congregation till August 2020 due to the Pandemic restrictions and an interruption during January-April 2021 during which the services were held online using Zoom. There has also been a weekly Bible Study held throughout on Wednesday evenings using Zoom. Independently Tasawer began training for ordained Ministry in September 2020 at Spurgeons College and Whitton Baptist Church is his placement congregation.

FINANCE

The Treasurer’s report for the year ending 5 April 2021 is attached to this report (and the accounts are attached to the full version). In summary the Church had a current account deficit of £4,377 in the year. This included a General Fund surplus of £5,397 (after transferring £7,500 to the Asian Congregation Fund); a Fabric Fund deficit of £3,421; and an Asian Congregation Fund deficit of 6,431.

Offerings for the General Fund by the morning congregation decreased by £645 compared with the previous year; a remarkably small decrease given the impact of covid. Net investment income was, at £24,192, about £8,800 less than in the previous year reflecting the fact that some maintenance was necessary on the properties and a temporary rent reduction was granted to one of our tenants. Fabric Fund expenditure, at £6,774, was – as in the previous year - considerably less than the average in other recent years. Ministry spend was, at £42,561 about £2,300 down on the previous year; this reflected significantly reduced spend on visiting preachers and a temporary reduction in pension deficiency payments required by the Baptist Pension Scheme. The deficit on the Asian Congregation Fund was in line with the expectations when this congregation was set up.

At the start of 2021-22 we had net current assets of £67,398 in the General Fund and £51,447 in the Fabric Fund. While we do not hold formal reserves, it is our policy to aim to have current assets of £50,000 available in the General Fund for use in the event of a need for exceptional expenditure or a substantial reduction in income.

As the report shows, while there are substantial uncertainties – and scope for variability from year to year - our underlying current account is running an annual deficit of about £20,000. Some half of this is the net cost of the Asian congregation which was established as a mission activity and which will continue for a limited time unless it develops in a way which reduces the net cost to the church. The major risks remain:

In the first half of 2021/22 we had a small current account surplus. For the year as a whole we expect a deficit reflecting increased costs in the winter period and the expectation of some fabric fund spending. The size of this deficit will depend on the amount of fabric fund spend but it is expected to be readily manageable.

FABRIC

Once again we have continued with essential maintenance and improvement work on the fabric of the church property. We are grateful to the members who undertake much of this work on a voluntary basis. The only major work in the year to September was repair of a flat roof and replacement of some of the lights in the church.

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THE PASTORAL CARE TEAM

The team has met monthly to consider church fellowship matters- those who attend at present, those whom we have not seen for a while and those who have moved away - we have also prayed for those facing stressful situations including self isolation and quarantine measures. Door step visits have been made by Gordon who also delivered Grapevine and News and Views to those who did not have internet access. Prayer requests continued to be passed on through the Prayer Chain administered by Carol Prouse, Peter Boulter and Gordon Hindmarch..

THE PREACHING TEAM

During Gordon’s sick leave the preaching team + Jeanette Holt, Robin Gammon and Andy Lovell with guest speakers Andrew Smith and Stephen Rand, brought services to the fellowship on Sunday Mornings. Our Asian congregation leader, Tasawer Pandanya also contributed on more than occasion.

Teddy Tots, our group for up to 3 year old children reopened in September 2021 after a 18 month break caused by the pandemic. We resumed as before, on Tuesday mornings, in the church building with a range of activities including craft, play, reading, Bible stories and action songs, all involving Bertie our resident bear. Several new toys have been added while older ones have been moved on. About 30 children and carers (including parents, grandparents and childminders) have been coming each week, with some adults now bringing the younger siblings of children who used to attend Teddy Tots and have moved on to Nursery. Our enthusiastic Teddy Tots team of welcomers and helpers is led by Rachel who is ably assisted by Elsie, Jean, Rubina and Gordon, all under Bertie’s watchful gaze. He helps to ensure that everyone thoroughly enjoys themselves.

Girls Brigade

After over a year of keeping in touch by emails and doorstep visits, GB met face to face for the first time at the beginning of June. The process of getting permission from GB central office had taken several weeks of paper work going back and forwards as they vetted our 25 page risk assessment. We were able to benefit from the excellent social distancing set up in the church and give each girl her own table and equipment, moving into the halls for the girls to let off steam. It was a very different GB that the 15 girls returned to. They adapted brilliantly. After years of encouraging them to share with one another and if they thought someone was upset, it was ok to give them a hug, we were now telling them to avoid all physical contact. At last we are now are gradually returning to normality. In September, 13 girls returned after the summer break and have enjoyed the more relaxed evenings as we resume our usual activities.We can even have biscuits and juice……although they are a little fed up that there is still no tuck shop and no cookingtheir favourite activity. We tell them “the day will come”.

Thank you for all your support and prayers over the past months. We couldn’t’ do it without you.

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SUMMARY;

Making Jesus Known in Whitton, through our outreach, is a goal we will continue to aim for. These unprecedented times have caused us to rethink the future of our worship and how we serve our fellowship and community. Meanwhile, we continue to serve the Lord and worship him as best we can in whatever way we can. 21[st] century technology has allowed us to communicate with one another and support the most vulnerable. We pray that and our prayers are answered and the pandemic will soon be controlled.

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WHITTON BAPTIST CHURCH

(St. Margaret’s Memorial) Hounslow Road, Whitton, TW2 7BZ

Registered Charity No. 1128868

ACCOUNTS AND STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 5[TH] APRIL 2021

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Legal Information

The Church is a registered charity – No. 1128868

.

The Church, including the Halls and Manse, is held on the Baptist Union Model Trusts for Church 2003, declared on the 16th December 2008, subject to Section 6 of the Baptist and Congregational Trust Act 1951, which amended the original 14 February 1881 Trust Deed that is still the original Trust Deed for the Church. The shops, 27, 29, 31 & 33 Hounslow Road were originally purchased in 1930 as part of the whole church site but were subsequently purchased by the London Baptist Property Board ltd,(LBPB) as an investment, The Church has since bought them and they are now held, as an investment, under trusts declared on 16 December 2008.

Trustees

The following were trustees during the year covered by this statement.

Mr Denis Allnutt Mrs Osa Osifo Mr Peter Boulter Mr Bryan Johnson (until November 2020) Miss Sheila Collins Miss Brenda Lambourne Rev Gordon Hindmarch Ms Ruby Olivier (from November 2020)

Independent examination

These accounts have been independently examined by Bryan Johnson and Mrs Sue De Boeck and their report is attached.

Financial Policy

It is the Church’s policy that where money is received for specific purposes (e.g. Missionary or other causes or special appeals) that money is designated for those causes alone, i.e. they are "Restricted Funds". If for any reason it is not possible to apply the money for that purpose it will be applied for a purpose as near as may be to the original purpose for which it was given or, with the donor's consent, allocated to another purpose, or as a last resort used for general Church purposes. All appeals are deemed to be subject to this Policy.

The accounts have been prepared on an Accrual and Prepayment basis.

No revaluation has been made in respect of the premises 27/33 Hounslow Road, which are included at historic cost which in the opinion of the managing trustees remains a realistic amount.

The value of the church premises – including halls and manse – is included in the accounts, as inalienable resource, at the insurance value as at December 2020. The significant cost of obtaining a professional valuation would be onerous compared with the additional benefit that would be gained by users of the accounts.

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WHITTON BAPTIST CHURCH

STATEMENT OF FINANCIAL ACTIVITIES FOR YEAR ENDED 5 APRIL 2021

Notes Unrestricted Designated Restricted Inalienable Total Total
2020/21 2019/20
£ £ £ £ £ £
Incoming Resources
Voluntary Income 2 47,711.36 5,009.17 2,164.17 0.00 54,884.70 49,668.03
Investment Income 3 28,307.31 0.00 0.00 0.00 28,307.31 34,919.08
Incoming resources from
charitable activities 4 5,042.50 0.00 0.00 0.00 5,042.50 29,273.00
Other incoming resources 5 845.35 1,850.00 0.00 0.00 2,695.35 0.00
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Total incoming resources 81,906.52 6,859.17 2,164.17 0.00 90,929.86 113,860.11
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Resources expended
Costs of generating funds 6 4,113.21 0.00 0.00 0.00 4,113.21 1,939.47
Charitable activities 7 64,896.91 24,221.79 2,075.25 0.00 91,193.95 88,274.24
Governance Costs 8 0.00 0.00 0.00 0.00 0.00 0.00
Other resources expended 9 0.00 0.00 0.00 0.00 0.00 0.00
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Total resources expended 10 69,010.12 24,221.79 2,075.25 0.00 95,307.16 90,213.71
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Net incoming resources
before transfers 12,896.40 -17,362.62 88.92 0.00 -4,377.30 23,646.40
Gross inter fund transfers 13 -7,500.00 7,500.00 0.00 0.00 0.00 0.00
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Net incoming resources 5,396.40 -9,862.62 88.92 0.00 -4,377.30 23,646.40
Revaluation gains* 14 0.00 0.00 0.00 20,773.00 20,773.00 94,810.00
Gains and losses** 15 0.00 0.00 0.00 0.00 0.00 0.00
Pension scheme deficit**** 21,700.00 21,700.00 36,100.00
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Net movement in funds 5,396.40 -9,862.62 88.92 42,473.00 38,095.70 154,556.40
Total Funds brought forward*** 212,001.16 62,017.74 -46.75 3,536,329.00 3,810,301.15 3,655,744.75
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Total funds carried forward*** 217,397.56 52,155.12 42.17 3,578,802.00 3,848,396.85 3,810,301.15
Of Which: Current Assets 67,397.56 52,155.12 42.17 0.00 119,594.85 123,972.15
Fixed Assets/Investments 150,000.00 3,578,802.00 3,728,802.00 3,686,329.00

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WHITTON BAPTIST CHURCH

BALANCE SHEET 5 APRIL 2021

BALANCE SHEET 5 APRIL 2021
Notes **2020/ ** 2021 **2019/ ** 2020
£ £ £ £
Tangible Fixed Assets 17 3,638,102.00 3,617,329.00
Investments 18 150,000.00 150,000.00
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3,788,102.00 3,767,329.00
Current Assets
Stocks 19 0.00 0.00
Debtors 20 7,926.34 17,067.32
Investments 21 0.00 0.00
Bank and cash 22 119,026.79 110,388.79
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126,953.13 127,456.11
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Current liabilities
Creditors: amounts falling due within one year 23 7,358.28 3,483.96
----------------- -----------------
Net Current Assets 119,594.85 123,972.15
Creditors: amounts due after more than one year 24 0.00 0.00
----------------- -----------------
Net Assets excluding pension liability 3,907,696.85 3,891,301.15
Pension liability -59,300.00 -81,000.00
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Net assets after pension liability 3,848,396.85 3,810,301.15
Charitable Funds
Endowment 25 3,638,102.00 3,617,329.00
Restricted 26 42.17 -46.75
Designated 27 52,155.12 62,017.74
Unrestricted: Fixed and Investment Assets 150,000.00 150,000.00
Unrestricted: Other Net Assets 67,397.56 62,001.16
Pension deficit -59,300.00 -81,000.00
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3,848,396.85 3,810,301.15
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The notes on pages 5 to 12 form an integral part of these accounts

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1. ACCOUNTING POLICIES

Basis of preparation

The accounts are prepared in accordance with the Accounting Regulations set out under the Charities Act 1993, and with the FRSSE 2015.

Donations

Donations are accounted for gross when received (i.e. including any tax reclaimable under Gift Aid which is entered at the best estimate available of that amount).

Legacies

Legacies and in memoriam gifts are accounted for when their receipt is certain and they can be properly quantified.

Investment income

Investment income is accounted for in the year in which it is receivable.

Fund raising and publicity costs

The Church has not made formal appeals for funds that involve fund raising expenditure. Expenditure on publicity for services of public worship and other events is regarded as expenditure related to church work.

Grants payable

The Church makes grants to other organizations whose charitable objectives complement its work. They are accounted for in the year in which they are paid.

Governance Costs

This represents direct expenditure on the governance of the church. Volunteers carry out much of the management without charge. This intangible cost is not included in the Statement of Financial Activities since there is no measurable cost to the volunteers for their service.

Fixed Assets

The church premises, including the halls and manse, have been included at the insurance value as at December 2020. The significant cost of obtaining a professional valuation would be onerous compared with the additional benefit that would be gained by users of the accounts. As the church is not free to realize and reallocate the value of these assets they have been included in the accounts as inalienable funds.

The shops – which are investment assets - are included at historic cost; in the opinion of the management trustees this is a realistic amount.

No value has been included for furniture and fittings, because all items have been (or would have been if the depreciation policy had applied at the time) written off under the depreciation periods noted below. The replacement cost, as estimated for insurance purposes, would be £141,305 although we believe the realizable value would be very much less.

Depreciation

Maintenance of the buildings is treated as current expenditure as it arises and depreciation is not charged on the church’s premises because, in the opinion of the Trustees, their residual value is not less than the book value. Small items costing less than £750, fixed items which would be damaged by removal, and computer software are written off in the year of purchase and depreciation is not charged on these. Depreciation on other assets purchased since 2004/5 is calculated, to write off the cost on a straight line basis over their expected useful life, at the following rates Furniture and fittings: 10% Copiers, PA equipment etc: 33%

These Accounts were approved by the trustees on 4/11/21 and signed on their behalf by

Treasurer: Denis Allnutt

Trustee: Sheila Collins

2 Voluntary Income

2 Voluntary Income
Unrestricted Designated Restricted Inalienable Total 2020/21 Total 2019/20
Offerings 30,115.46 1,347.25 252.20 31,714.91 31,068.94
Donations for church funds 353.06 2,715.00 3,068.06 5,029.00
Donations for other organisations 1,788.92 1,788.92 2,412.10
Tax refunds 6,856.37 946.92 123.05 7,926.34 8,757.99
Legacies 10,386.47 10,386.47 2,400.00
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Total 47,711.36 5,009.17 2,164.17 0.00 54,884.70 49,668.03
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a) The restricted offerings are loose offferings at particular services which are allocated to oher causes

b) The designated offerings are offerings at the Asian Congregation services

c) The designated donations are for the fabric fund

d) The designated tax refunds are for the Fabric Fund (£638) and the Asian Congregation (£309)

e) The restricted tax refunds are refunds in respect of donations for other organisations

f) The donations received for other organisations are set out in more detail in note 11

g) The tax refunds include £532 under the small donations scheme

h) The "legacies" are a gift of £386.47 on memory of Cath McFarlane and a legacy of £10,000 from Betty Simkins

3 Investment Income

3 Investment Income
Unrestricted Designated Restricted Inalienable Total 2020/21 Total 2019/20
Interest received 64.82 64.82 429.62
Rent from 27/33 Hounslow Road 19,262.24 19,262.24 25,524.29
Income from Gospel Hall 8,980.25 8,980.25 8,965.17
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Total 28,307.31 0.00 0.00 0.00 28,307.31 34,919.08

a) The interest received includes interest on deposits with COIF Charities Deposit Fund, and LBPB

b) All of the shops were let throughout the year; the rent was temporarily reduced for one of the shops

c) The Church receives the rent of the Gospel Hall subject to the terms of the Trust Deed

4 Incoming resources from charitable activites

Unrestricted Designated Restricted Inalienable Total 2020/21 Total 2019/20
Trading income 5,042.50 0.00 5,042.50 29,273.00
Fund raising events 0.00 0.00
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Total 5,042.50 0.00 0.00 0.00 5,042.50 29,273.00

a) There was no designated trading incomein 20-21 because neither Lunch Club nor Teddy Tots met during the year.

b) The unrestricted trading income was from users of church premises and, because of covid, was much less than in previous years.

5 Other incoming resources

There were none in 2019-20; in 2020-21 there was a grant (from the LBA) of £1850 towards the setup costs of the Asian Congregation (this is included in the designated incoming resources) and a payment of £845 from the. Furlough scheme (included in the unrestricted incoming resources)

TOTAL INCOMING RESOURCES

Unrestricted Designated Restricted Inalienable Total 2020/21 Total 2019/20 81,906.52 6,859.17 2,164.17 0.00 90,929.86 113,860.11

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6 Costs of Generating Funds
Unrestricted Designated Restricted Inalienable Total 2020/21 Total 2019/20
Cost of 27/33 Hounslow Road 3,007.96 3,007.96 849.30
Cost of Gospel Hall 1,105.25 1,105.25 1,090.17
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4,113.21 0.00 0.00 0.00 4,113.21 1,939.47
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These costs comprise

Insurance costs of £1964.80 - these are reimbursed by the tenants- the income is included in the rent figures at note 3 Repair costs of £2148.41

7 Costs of activities in furtherance of the church's objectives

Unrestricted Designated Restricted Inalienable Total 2020/21 Total 2019/20
Ministry 42,561.52 42,561.52 44,868.66
Mission 9,082.83 17,447.79 2,075.25 28,605.87 15,854.34
Establishment 13,252.56 6,774.00 20,026.56 27,551.24
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64,896.91 24,221.79 2,075.25 0.00 91,193.95 88,274.24
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The nature of some of these expenditures is shown in more detail in Notes 10,11,12 and 16 Ministry expenditure is primarily the costs of the minister, manse and pulpit supply

Mission expenditure includes grants to other organisations, detailed in Note 11, the costs of the Asian congregation; and non-ministry, non-establishment costs associated with the work of the church. Lunch Club and Teddy Tots are usually included here but did not operate in 2020-21

Establishment costs are essentially the costs of maintaining and heating our buildings

The designated costs are fabric fund spend on the church premises (of which work on the church roof was the major element)

The largest items of general fund establishment expenditure are £3,724 on employing a cleaner, £4,476 for electricity, gas and water, and £3,120 on insurance

10 Total resources expended

10 Total resources expended
Charitable Grant Support Total 2020/21 Total 2019/20
Activities Funding Costs
Ministry 42,090.50 471.02 42,561.52 44,868.66
Mission 17,491.29 9,670.25 1,444.33 28,605.87 15,854.34
Establishment 20,026.56 20,026.56 27,551.24
Cost of generating funds 4,113.21 4,113.21 1,939.47
Governance costs 0.00 0.00 0.00 0.00 0.00
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83,721.56 9,670.25 1,915.35 95,307.16 90,213.71
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11 Grants payable

11 Grants payable
B/fwd Received Paid Grant from Total Grant C/fwd Grant Paid
Rstrd Restricted Restricted Church Funds Paid 2020/21 2019/20
H M F 32.01 175.00 200.00 2,600.00 2,800.00 7.01 3,020.00
B M S Birthday Scheme -10.60 565.00 520.00 520.00 34.40 685.00
B M S Donations -25.69 5.52 0.00 3,800.00 3,800.00 -20.17 4,038.00
Harvest Appeal 0.00 190.00 190.00 190.00 0.00 17.00
Christmas Appeal 15.00 825.25 825.25 825.25 15.00 885.80
Leprosy Mission -101.08 95.00 0.00 200.00 200.00 -6.08 800.00
TEAR Fund 0.00 0.00 0.00 400.00 400.00 0.00 460.00
Bible Society 38.61 198.40 250.00 200.00 450.00 -12.99 370.00
Pakistan 0.00 110.00 90.00 50.00 140.00 20.00 0.00
Other 5.00 0.00 0.00 345.00 345.00 5.00 400.00
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Total -46.75 2,164.17 2,075.25 7,595.00 9,670.25 42.17 10,675.80

The payments of these grants are included under Mission in notes 7 and 10

The restricted sums received combine donations received for passing to other organisations, and the related gift aid tax relief, both shown in note 2 The amounts carried forward represent restricted donations, and related tax relief, not forwarded to the relevant organisation by the end of theyear

The Christmas Appeal was split equally between Richmond Foodbank and TTI in Pakistan The "other" donations from general church funds were £100 to Women's World Day of Prayer; £50 each to Embracing Age and Spurgeon's Children's Charity; £25 each to SPEAR, Shooting Star, Homelink, Riverbank Trust and London City Mission; and £20 to Shelter.

12 Support Costs

Unrestricted Designated Restricted Inalienable Total 2020/21 Total 2019/20
Postage, phones 471.02 471.02 606.18
Stationery 58.46 58.46 218.19
Other (mostlysubscriptions) 1,385.87 1,385.87 1,020.50
------------------------------------------------------------------------------------------------------------------
1,915.35 0.00 0.00 0.00 1,915.35 1,844.87
------------------------------------------------------------------------------------------------------------------

13 Gross transfers between funds

£7,500 was transferred from the General Fund to the Asian Congregation Fund

14 Gains and losses on revaluations of fixed assets for church's own use

None

15 Gains and losses on revaluations and disposals of investment assets

There are no gains or losses recorded here; in the opinion of the management trustees the historic cost, £150,000, remains a realistic value

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16 Staff costs and Trustee expenses

2020/21 2019/20
Gross salaries 48,092.77 33,528.70
Employer's national insurance 0.00 0.00
Employer's pension contributions 5,113.38 3,612.63
Employer's pension deficiency payments 3,168.84 4,132.35
Other costs 4,246.56 4,323.15
-------------------------------------------
Total 60,621.55 45,596.83
-------------------------------------------

The other costs recorded here are the costs of the manse council tax, water, insurance, and maintenance

The average number of employees during the year was 1.59

No employee received emoluments in excess of £60,000 during 2020/21 (2019/20 none) One Trustee, who was also an employee, lived in housing wholly owned by the church No sums were reimbursed to the Trustees for their work as trustees during 2020/21 (2019/20 none)

The Church pays pension contributions for its Minister to the, multi-employer, Baptist Pension Scheme, which is described at note 29 below; and for the leader of the Asian congregation to TPT Retirement Solutions

17 Tangible Fixed Assets

The book value of the church's endowment premises has been increased,following the insurance valuation, by £20,773 to £3,638,102

18 Investments

2020/21 2019/20
6th April 2020 150,000.00 150,000.00
Additions 0.00 0.00
Disposals 0.00 0.00
Gains and losses 0.00 0.00
----------------- -----------------
5th April 2021 150,000.00 150,000.00
----------------- -----------------

The investments recorded here are the shops at 27/33 Hounslow Road which the church owns as as an investment; using the rental income to part fund its charitable activities. They are valued at historic cost; in the opinion of the managing trustees this remains a realistic amount.

19 Stocks

The church does not hold material stocks of goods

10

20 Debtors

5th April 2021 5th April 2020
Tax refund 7,926.34 8,757.99
Other 0.00 8,309.33
----------------- -----------------
Total 7,926.34 17,067.32
----------------- -----------------

21 Investments

The chuch does not hold short term non cash investments

22 Bank and cash balances

23 Creditors: amounts falling due within one year

5th April 2021 5th April 2020
Bank Current Account 44,480.36 35,904.75
LBPB Account 334.07 333.11
COIF Account 74,189.69 74,128.26
Cash 22.67 22.67
----------------- -----------------
Total 119,026.79 110,388.79
----------------- -----------------
5th April 2021 5th April 2020
HMRC 2,549.93 1,655.96
Other 4,808.35 1,828.00
----------------- -----------------
7,358.28 3,483.96
----------------- -----------------

24 Creditors: amounts falling due after more than one year

There are no amounts falling due after more than one year and there were none on 5th April 2020

25 Endowment Funds

The chuch does not have any endowment funds; the value of the church property is recorded as inalienable as the church is not at liberty to sell this property

26 Restricted Funds

26 Restricted Funds
06/04/2020 Incoming Resources 05/04/2021
Resources Expended
Monies for other causes -46.75 2,164.17 2,075.25 42.17

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27 Designated Funds
06/04/2020 Incoming Resources Transfers 05/04/2021
Resources Expended
Teddy Tots 3,515.44 0.00 0 0.00 3,515.44
Community Lunch Club 3,864.18 0.00 0.00 0.00 3,864.18
Fabric Fund 54,868.12 3,352.50 6,774.00 0.00 51,446.62
Asian Congregation -230.00 3,506.67 17,447.79 7,500.00 -6,671.12
---------------------------------------------------------------------------------------------
62,017.74 6,859.17 24,221.79 7,500.00 52,155.12
---------------------------------------------------------------------------------------------

The Fabric Fund is devoted to major work on our premises including the manse

28 Analysis of net assets

28 Analysis of net assets
Fixed Investment Current Total
Assets Assets
Endowment Funds 3,578,802.00 3,578,802.00
Restricted Funds 42.17 42.17
Designated Funds 52,155.12 52,155.12
Unrestricted Funds 150,000.00 67,397.56 217,397.56
--------------------------------------------------------------------------
TOTAL 3,578,802.00 150,000.00 119,594.85 3,848,396.85
--------------------------------------------------------------------------

12

29 Pensions

The Church is an employer particiapting in a pension scheme known as the Baptist Pension Scheme (the Scheme). The Scheme is a separate legal entity which is administered by the Pension Trustee (Baptist Pension Trust Ltd.). The Minister is in this Scheme.

Benefits in respect of service prior to 1 January 2012 are provided through the Defined Benefit (DB) Plan within the scheme. The main benefits for pre-2012 service were a defined benefit pension of one eightieth of Final Minimum pensionable income for each year of Pensionable service, together with additional pension in respect of premiums paid on Pensionable income in excess of Minimum Pensionable Income. The Scheme, previously known as the Baptist Ministers' Pension Fund, started in 1925, but was closed to future accrual of defined benefits on 31 December 2011.

From January 2012, pension provision is being made through the Defined Contribution (DC) Plan within the Scheme. In general members pay 8% of their Pensionable Income and employers pay 6% of members' Pensionable Income into individual pension accounts, which are operated and managed on behalf of the Pension Trustee by Legal and General Life Assurance Society Ltd. In addition, the employer pays a further 4% of Pensionable Income (or 3% if the employer is in the segregated DC section) to cover Death in Service Benefits, administration costs, and an associated insurance policy which provides income protection for Scheme members in the event that they are unable to work due to long-term incapacity. This income protection policy has been insured by the Baptist Union of Great Britain with Aviva. Members of the Basic Section pay reduced contributions of 5% of Pensionable Income, and their employers also pay a total of 5%.

A formal valuation of the DB Plan was performed at 31 December 2016 by a professionally qualified Actuary using the Projected Unit Method. The market value of the DB Plan assets at the valuation date was £219 million. The valuation of the DB Plan revealed a deficit of assets compared with the value of liabilities of £93 million (equivalent to a past service funding level of 70%). As a result of the valuation, in addition to the contributions to the DC Plan set out above, it was agreed that the standard rate of deficiency contributions from churches and other employers involved in the DB Plan will remain at previously agreed levels, oncreasing each year in line with increases in the Minimum Pensionable Income. The deficiency contributions are broadly based on 12% of Pensionable Income/Minimum Pensionable Income, reflecting each employer's contributions in March 2015. Some employers that were involved in the DB Plan for a short period pay lower contributions.

In addition, the Baptist Union of Great Britain is expected to make a number of one-off contributions totalling £33.5m by 31 December 2023 including a lump sum of £33m in 2018. The recovery plan envisages deficiency contributions continuing until 31 December 2028.

The key financial assumptiions underlying the valuation were as follows

Type of assumptiion %pa
RPI price inflation 3.50
CPI price inflation 2.75
Minimum Pensionable Pension increases 3.50
Assumed investment returns
-Pre retirement 3.50
-Post retirement 2.25
Deferred Pension increases
-Pre April 2009 3.50
- Post April 2009 2.50
Pension increases
-Main scheme prension pre April 2006 2.70
-Main Scheme pension post April 2006 2.00

As there is a large number of contributing employers participating in the Scheme, the church is unable to identify its share of the underlying assets and liabilities of the Scheme. Accordingly, due to the nature of the Scheme, the profit and loss charge for the period represents the employer contributions payable.to the church; the costs to the church are at note 16.

13

Related charities

The custodian Trustee of the church is the London Baptist Property Board Ltd which is charity number 249768. The church is also a member of the Baptist Union of Great Britain and of the London Baptist Association.

The church made donations to the Baptist Union Home Mission Fund as set out in note 11.

Appendix: Associated Organisations

B/fwd Rec'd Grants Rec. Expenditure C/fwd
Boys' Brigade 2,766.06 0.00 18.00 2,748.06
Girls' Brigade 4,739.41 20.00 1,269.73 3,489.68
Monday Club 351.00 0.00 351.00 0.00
---------------------------------------------------------------------------------------------
7,856.47 20.00 0.00 1,638.73 6,237.74
---------------------------------------------------------------------------------------------

The amounts received by these organisations include subscriptions, income for and from events and other events to further their activities

These self supporting organisations and groups operate under the aegis of the church. The Church makes no charge for the use of premises or facilities.

Monday Club closed at the start of theyear and donated its remaining funds to the church Boys Brigade did not meet during the year and has now closed but not yet closed its accounts

Statement of Financial Activity in Respect of Associated Organisations

Unrestricted Designated Restricted Inalienable Total Total
2020/21 2019/20
£ £ £ £ £ £
Income from Donors etc 20.00 20.00 3,833.26
Resources Used 1,638.73 1,638.73 4,383.64
------------------------------------------------------------------------------------------------------------------
Net Incoming Resources -1,618.73 0.00 0.00 0.00 -1,618.73 -550.38
Balances Brought Forward 7,856.47 7,856.47 8,406.85
------------------------------------------------------------------------------------------------------------------
Balances Carried Forward 6,237.74 7,856.47

Consolidated Gross Receipts and Resources Used

Unrestricted Designated Restricted Inalienable Total Total
2020/21 2019/20
£ £ £ £ £ £
Incoming resources
Church 81,906.52 6,859.17 2,164.17 0.00 90,929.86 113,860.11
Associated Organisations 20.00 20.00 3,833.26
------------------------------------------------------------------------------------------------------------------
Total 81,926.52 6,859.17 2,164.17 0.00 90,949.86 117,693.37
Resources Used
Church 69,010.12 24,221.79 2,075.25 0.00 95,307.16 90,213.71
Associated Organisations 1,638.73 1,638.73 4,383.64
------------------------------------------------------------------------------------------------------------------
Total 70,648.85 24,221.79 2,075.25 0.00 96,945.89 94,597.35

14

WHITTON BAPTIST CHURCH

ACCOUNTS FOR YEAR ENDED 5[TH] APRIL 2021

We confirm that in our opinion the attached accounts for the year specified above have been properly prepared from the records supplied, are in agreement therewith, and comply with the regulations.

In connection with our examination no matter has come to our attention:

Signed

Bryan Johnson Sue De Boeck Date 26/9/21 11/10/21 Occupation Retired Retired 13 Talbot Road 97 Constance Road Twickenham Whitton Middlesex Twickenham TW2 6SJ Middlesex TW2 7HX

Whitton Baptist Church

Treasurer’s Report for period 6th April 2020 to 5th April 2021

The formal statement of accounts is attached

Summary of the Year's financial activity.

  1. The Church’s gross incoming current account resources (income) amounted to £90,929.86. Resources expended (expenditure) amounted to £95,307.46 giving a current account deficit on the year of £4,377.30. If associated organizations are included these figures become respectively: income of £90,949.86 expenditure of £96,045.89; and deficit of £5,996.03. The remainder of this report refers to the Church’s accounts alone.

  2. The, current asset, balances of the church’s funds at the start and end of the year were:

April 2020 April 2021 General Fund £62,001 £67,398 Monies for causes -£47 £42 Lunch Club £3,864 £3,864 Fabric Fund £54,868 £51,447 Teddy Tots £3,515 £3,515 Asian Congregation -£230 -£6,671 ……………………………. Total £123,972 £119,595

In 2020-21 the deaconate decided that we should discontinue the transfer of £15,000p.a.from the General Fund to the Fabric Fund but transfer £7,500 to the Asian Congregation Fund – the above figures reflect this transfer.

  1. The covid pandemic had a significant impact on the church’s work, and its finances, during the year. The main financial impacts were

  2. A considerable reduction in the income from the users of our premises

  3. Some reduction in the rents which comprise most of our investment income

  4. Some reduction in offerings because we did not hold services for significant parts of the year – this mainly affected the offerings from the Asian congregation: most members of the morning congregation maintained their giving (by using Standard Orders or in other ways)

  5. No income or expenditure for the Lunch Club, nor Teddy Tots, which did not meet during the year.

The General Fund

  1. The offerings to the General Fund amounted to £30,115; this was £645 less than in the previous year. We are grateful for this giving and particularly to those who Gift Aid their donations and we would encourage anyone who pays income tax and who has not yet signed a Gift Aid declaration to give this serious consideration. These offerings attracted tax refunds of £6,856 (including £109 on some small gifts which are not covered by a Gift Aid declaration). [In addition tax refunds of £637 were claimed for donations to the Fabric Fund, £123 for gifts to other causes and £309 for offerings at the services of the Asian congregation. Hence a total tax refund of £7,926 is included in these accounts.]

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  1. We remain heavily dependent on investment income; net income from the 27/33 Hounslow Road and the Gospel Hall, plus interest received, amounted to £24,194 (compared with £32,980 in 2019/20). The properties were, as in the previous year, occupied throughout the year though in one case a temporary rent reduction was negotiated because of the impact of the pandemic. There were repair costs of £2148 (there were no such costs in 2019/20). Net investment income again accounted for over a quarter of our income for church purposes.

  2. In addition £5,032 was received in donations from the nursery and other organizations using our premises. This was well down on the previous year’s figure of £23945; this reflects the pandemic preventing the using organizations from meeting for parts of the year and the closure of one nursery and – some months later – the opening of a new one.

  3. Overall General Fund expenditure (excluding the transfer to the Asian Congregation Fund) was £69,010 – compared with £75,198 in 2019/20.

  4. Ministry spend in the year was £42,561; this compares with £44,869 in 2019/20. The main elements of ministry spend were gross stipend of £30,459, pension costs of £6,858 (including deficiency contributions) and manse council tax of £3,119. The reduction compared with 2019/20 reflects, in large part, the facts that there were no visiting preachers during the year and the Baptist Pension scheme temporarily reduced the pension deficiency payments because of the impact of the pandemic on churches’ finances.

  5. Aside from Fabric Fund spend; main areas of establishment expenditure, which totaled £13,252 (£18,927 in 2019/20), were £4,476 on power and water, £3,724 on employing a cleaner (offset in part by furlough payments of £845), and £3,120 on insurance. The reduction compared with the previous year largely reflected reduced usage of our premises – eg power and water costs and routine management costs together reduced by over £4,000.

  6. We continue to support other causes and this year distributed a total of £9,670 compared with £10,676 in the previous year. Within this total giving from the General Fund amounted to £7,595 compared with £7,500 in 2019/20.

  7. General Fund Mission spending – in addition to giving to other charitable organizations – amounted to £1,488 (compared with £1,962 in 2019/20). This included subscriptions of £929; the reduction compared with the previous year largely reflected the absence of any spending on the Sunday School.

  8. Total General Fund income was £81,907, including £10,386 from legacies and in memoriam gifts, and expenditure was £69,010. This, together with the transfer of £7,500 to the Asian Congregation Fund, resulted in a General Fund balance of £67,398. This is above our reserves policy target of £50,000.

Monies for causes

13. As part of the church’s mission, members gave £2,164 (including tax refund of £123) for other causes and from these gifts £2,075 was forwarded to the causes concerned.

Lunch Club and Teddy Tots

  1. As noted above, these aspects of our mission work did not meet this year. The balances in these funds are therefore unchanged from the start of the year.

Asian Congregation

  1. The first year of the Asian congregation was significantly affected by the pandemic though it was able to meet – either face to face or by zoom – each week. The set up costs (in addition to the £230 spent in the

2

previous year) amounted to £2239; this was partly offset by the grant of £1,850 from the London Baptist Association. The other costs, of £15,200 were very largely the costs of employing the leader (including £600 to set up the pension arrangements) The offering income, including the small gift tax grant, was £1,657; this was affected by the pandemic preventing meetings for many Sundays. After the transfer of £7,500 from the General Fund the deficit on the Asian congregation fund at the end of the year was £6,671. It may be noted that, taking account of the reduced level of offerings resulting from the pandemic, this is not out of line with our expectation, when deciding to set up the congregation, that in its first year the congregation would have a deficit in the region of £13,000.

The Fabric Fund

  1. Donations to the fund, including Gift Aid where appropriate, amounted to £3,352; expenditure was £6,774 mainly for work on the church roof.

  2. As a result the Fabric Fund ended the year with a balance of £51,447.

Looking to the future

  1. My previous reports have highlighted the uncertainty surrounding any estimated figures for a future period; and the accuracy of this view was amply demonstrated by the effect of the pandemic. However my previous report estimated (under stated assumptions, including ranges of assumptions about the effect of the pandemic and about the level of Fabric Fund spend that was needed) suggested, ignoring any transfers, that we might end 2020/21 with an aggregate balance on the General, Fabric and Asian Congregation Funds of £63,000 to £97,000. This compares with the outturn of £112,000; thus the outturn was above the upper end of the budget range by £15,000, of which £10,000 was accounted for by legacies..

  2. In summary the reasons for the departure from budget were:

  3. Fabric Fund Expenditure of £6,774 was – largely because of delay to the work on the church lights - well below budget (set by reference to previous years’ spend at £10- 20,000)

  4. Ministry costs of £42,561 were – largely for the reasons in paragraph 8 above - below the budget of £46,200

  5. Offerings and donations to the General Fund (including Gift Aid) were – despite the pandemic – about £1,000 over the budget of £36,000 (which had assumed a reduction of £2,000 from 2019/20)

  6. There were legacies in excess of £10,000

  7. Donations for use of our property were, at £5,043 well below the budget of £9,500 to £16,500.

  8. For the reasons in paragraph 9 above, establishment spend from the General Fund was well down on the £18,000 budget

  9. Mission spend from the General Fund was about half the £3,000 budget

  10. Net investment income held up unexpectedly well and at about £24,200 was above the budget range of £6,500 to £23,500

  11. Providing figures (which, as in previous years, exclude income earmarked for other organizations and the Lunch Club and Teddy Tots Funds) for 2020/21 is more problematic than usual because we do not know the scale of any ongoing effect of the corona virus; and in particular the extent to which the number of organizations using our premises will recover.

  12. In this context I have produced a budget based on the following assumptions.

  13. General Fund offerings and donations of £37,000 (including Gift Aid). This assumes no change from 2020-21.

  14. Donations to the Fabric Fund remain level at £3,300 (including Gift Aid)

  15. £17,000 in donations for the use of the premises; this essentially assumes that those users operating from April continue through the year.

  16. Net investment income of £25,500; this assumes continuous occupation of the shops and Gospel Hall and maintenance costs of, a typical average, about £6,000 and ending of the temporary rent

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reduction in the summer. It makes no allowance for possibility of raising rents in September (on the basis that such a rise is likely to again prove impractical this year)

£
• General Fund Income from offerings (including Gift Aid) and donations: 37,000
• Donations to Fabric Fund (including Gift Aid): 3,300
• Donations for use of church premises: 17,000
• Net investment income: 25,500
• Asian Congregation offerings 2,500
• Ministry costs: (47,500)
• Mission, including donations to other organisations from General Fund: (10,400)
• Fabric Fund spend (15,000)
• Other Establishment spend (18,000)
• Asian congregation spend
 (15,200)
----------
• Deficit (20,800)

With a transfer of £7,500 from the General Fund to the Asian Congregation Fund, the above budget would imply the following balances at the end of the year:

General Fund: £63,498 Fabric Fund: £39,747 Asian Congregation Fund: - £11,871 ………… Total (of these funds) £91,374

  1. These budget figures will doubtless turn out to differ from those in the eventual accounts for 2021/22 but are intended to give an indication of our broad financial position. They, of course, take no account of the possibility of decisions being taken to change our ministry or mission in ways which significantly affect expenditure; or of changes in our membership or congregation which significantly affect income.

  2. Given the uncertainty in any estimates of future income and expenditure, these figures confirm our reliance on income from investments and organizations using our premises and are consistent with the view that our activities are sustainable through 21/22. They are also consistent with the view that unless our income can be increased (eg through increased use of our premises by outside organization or increased giving by one or both of our congregations) out activities are not sustainable in the long term.

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  1. Neither the reserves policy nor this “budget” is intended to act as a tight constraint on our work. However they do provide a context within which any additional expenditure, or indeed continued expenditure at present levels, must be considered.

Thanks

  1. The financial accounts reflect the financial commitment of the members of the Church community to the Church’s mission of “Making Jesus Known”. We are also grateful for the contribution many of our number make in other ways – working on the premises and contributing to the mission and ministry of the church – without which our expenses would be greater and, more importantly, our mission less effective.

  2. Last but by no means least, I thank the Finance team – Brenda Lambourne, Jackie Sandell and Osa Osifo,, Hugh and Rosemary Vosper and Brian Pullman - whose assistance (albeit in some cases less extensive than usual because of Covid) has been essential to the smooth operating of, and accounting for, our financial affairs; and especially Bryan Johnson and Sue De Boeck for auditing the Church accounts.

Denis Allnutt Treasurer

5