Caterham Baptist Church Report and Accounts year ended 31st December 2020 stewardship" l L￿b,5 Pa55age LONLThY ECIY8AO t,'020850256LhJ e., enwiries@sieward5Fdp.Or&￿l W.. WiWé.5tewar&hlp.Dr8.￿￿ Caterham 84ptiSt Church LEGAL & ADMINISTRATIVE DEfAILS FOR THE YEAR ENDED 31 DECEMBER 2020 ADDRESS FOR CORRESPONDENCE 4-6 Beechwood Road Caterham Surrey CR3 NA GOVERNING DOCUMENT Declaration of Tnjst dated 14th April 1986 Church Constltutlon dated 7 October 2(X)9 CHARITY REGISTRATION NUMBER 1135414 TRUSTEES RESPONSIBLE FOR MANAGING THE CHARITY Jonathan BaSley John Baldwln Jeremy Heath Keith Johns Minister Deacon5 Howard Mlllman Trevor Parcell-jones rah Rlsbridier Bllly Sln8h Vanessa Tromans Treasurer Resigned 22nd January 2020 CUSTODIAN TRUSTEES Grace Baptist Trust Corporatlon NAMES OF ADVISERS EG BANKERS CAF Bank Limited 25 Klngs Hlll Avenue Kings Hill West Mallln8 Kent ME19 4JQ Scottish Wldows Bank 67 Morrlson Street Edlnbur8h EH3 BYJ Hodge Bonk I Central Square Cardiff CFIO IFS Redwood Bank Limited Thè NeKUS Building, Broadwav Letchworth Garden City Herts SG6 3TA Page 2 INDEPENDENT EXAMINER Archie Mct)owall BA, CA Stewardshlp l Lamb's Passage LONDON ECIY8AB INDEX Pages 2-3 Pages 4-6 Page 7 Pa8e 8 Page 9 Pages 10-11 Le8al & Administrative Details Trvstees, Report Independent Examiner's Report Recelpts and Payments Account Statement of A55ets & Uabilltlts Notes to the Accounts Page 3 Caterham Baptlst Church REPORT OF THE TRU5TEE5 FOR THE YEAR ENDED 31 DECEMBER 2020 The Trustees have pleasure In submittlng the Report anil Accounts for the year ended 310ecember 2020. Oblects of the charfty In accordance with the Church constitution, the principal purpose of the Church is the advancement of the Christian faith according to the principles laid down in the Blble. The Church may also advance educatlon and carry out other charitable purposes in the United Kingdom andlor other part5 of the world. Summ•ry of the ch•rlty's maln •ctivltlei and •chievements To further the above objects and vision, the charity'$ main 4¢tlvlties and achSevements were as follows.. Act￿￿tI•l Caterham Baptist Church is a vibrant evangelical congregation wlth a membershlp of approxlmately 130. The Church Leadership has given due regard to the Charity Commisslon's guidan￿ on public beneflt and, In partScular, the spe¢Sflc guidance on charStles the advancement of religion. During the year the Church continued to carry out the following activities in order to promote the Gospel in the local neighbourhood. WonhSp The Church 8ener•lly holds two publlc mtetlnqs on most Sundws throu8h the year110.30 and 18.301. The 10.30 meetln8 Is chlld frlendly,. alon8slde the maln worshlp meetlng a Sunday school of about 30 Children and young people Into age groups ranging from 5-15 years Is run. The children and young people are served by a dedicated tearn of leaders who provide Bible teaching in relevant and accessible ways. With few exception5, the meetin85 are centred on Bible readin8 and teachin8. The Church Is commltted to explainlng the text of the Blble In ways that enable people to see its plain meaning so that they may be empowered to follow Jesus and to walk in the ways of the Lord faithfully in meaningful discipleship. Due to Covid-19, most of the congregation joined online services since March 2020. Thereafter, a small number of worshippérs were permltted to attend servlces In person, where government rules allowed and subject to social dlstancing and other safety measures. ACHIEVEMENT ANO PERFORMANCE The thurch has contlnued to see God at work amongst the congregatlon and community. Church membershlp has been steady durin8 the last year, with several people becoming Christian5 and joinln8 us and others movln8 away from the area. Relationships with othèr local churches continue to be developed. Gr•nts Poll¢v The Church makes grants, equivalent to approximately IO% of its incomin8 re50urce5 annually, to SUPPOrt mi55ionary endeavour5 both in the UK and abroad. The policy of the church Is to Eive Erant5 on the basls that they are sublert to annual revlew and only renewed on the basis of meeting set criteria. The missionary societies regular￿ supported include the Grace Baptist Mission. Grace Baptist Trust Corporation, Caring for Life, Crossways Community, Universities and Colleges Christian Fellowship. Open Doors and Pilgrim Homes. In addition, the Church makes anonymou5 love gifts, at the discretlon of the elders. to those in need within the Church fellowship. For details of grants made, see Dote 3. Page 4 Mission The Church is committed to mission both local and global. At a local level we have sought to brlng the gospel to local people, for example through speaking in schools and or8anisin8 Social events, such as quiz nights. The Church a150 runs C￿r$e$ as required for those seeking to find out more about the Christian faith. Spedal events were held to cèlebratè the church's 125th anniversary in 2019. Our outreach activltles Include a popular Parents & Toddlers group with two sessions every week on Tuesday and Wednesday mornings. as well as a very well attended children and young people's club for children aged 7-18 years on Friday evenings. A Holiday Bible aub has also run every year for the last 24 years for a week in the school holldays. In addltion. we run fortnightly meeting on Friday mornln8s for senior citizens. and a 3 day 'holiday at home, event in lune, which has proven to be very popular. All of these activities were affected by Covld-19 restrlctlons during 2020. Some had to cease, whilst others continued online. But support for local individuals and famllies continued through personal contact and prayer. In addition the church provided community support through volunteers collecting peoples, prescriptions, doin8 thelr shoppin81 walklng thelr dogs etc. At the global front the Church has an Interest in rnany missionary organlsatSons, supportln8 the Grace 6aptist Mlsslon, Pilgrim Homes. Caring for Life, Reach Beyond, Crossways Community, UniversitSes and Colle8e5 Christian Fellowship* Open Doors and Grace Baptist Trust Corporatlon on a regular basis as well as other local and global Initlat￿eS. FUTURE PLANS Followlng the appointment of a second part-time administrative a￿lStant from January 2019, the church extended thls appointment through to De¢ember 2020, as the demands for a second part time role continued, especially with greater demand for online support. The leadershlp are also looklng at creating teams wlthln the deaconate strurture, in areas such as care, evan8elism, administration and welcome. Thi5 is with the alm of strengihenlng the dlaconate and allowlng more tlme to f¢xus on those area5 through increased involvement from the church membershlp. Alongside this the church contlnues to consider optlons to accommodate the growlng Sunday mornlng congregatlon, PO55ibly through the introduction of a second 5ervicelcongregation on a Sunday afterno¢￿, as well as to better support community artlvitles during the week. In planning the actlvltles ihe Trustees have applied the Buldance on publlc benefit Issued by the Charity Commlsslon. Fln*n¢l•l revlew The Receipts and Payments Account and Statement of Assets and Llabllltles can be found on pages 8 and 9 respectlvely. The Church's cash funds decreased by £9,963 durln8 the year {2019- decreased by £6,972). The Statement of A55ets and Liabilities shows total cash funds of £185,25612019; £195.2591. Included In cash fund5 are amounts totsllini £10,98212019'. £6,595) which are restrlcted. These monies have elther been raised for, and thelr use restricted to, specific purposes. or they Comprlse donations subject to donor-lmposed conditions. Full details of these restricted funds can be found In note 10 to the accounts together with an analysSs of movements in the year. Re5erve5 policy The trustees have determined that the charlty should alm to hold unrestrlcted cash of no less than £65,WO (which equates to about 6 months, of unrestricted expenditure) 50 that the charity could continue to operate should income and l or expenditure vary adversely. At the year end, the charity held unrestricted cash of £174,274 and the charity is complying with its reserves policy. The charlty is also holding additional funds for the purpose of employment of a Second full time worker, based on an annual salary of £30,000 for a 2 year period, including expenses, pension and tax liabilities, This equates to a wm of approximately £75,0￿. Excess funds are placed on bank deposlt. Pa8e 5 Funds in defidt There a￿ no funds in defKSt COVID-19 As noted elsewhere. Covid-19 affected the church in various ways during the year. Financial￿, some expènses were incurred to support streaming of online servlces, but overall costs were lower due to more limited activities, Income from donations was also slightly lower. Govern•ncè The Church Le•Jership lelders and deacons) meets re8ularty throughout the year, separately as deacons and elders and tO8ether to di5CU55 a fijll ranBe of matter5 relatinB to finantè, fabrici gènèral administration and the implementation of the church constitution. None of the Church Leadership. except for the minister, receives remuneration. The Church maintains trustee indemnity insurance on behalf of the managing trustees. Oryanlsatlonil Structure Church Membership is open to those who: believe in the Lord Jesus ChrSst for salvjtion and upon profession of faith have been baptised by immersion,. comrnlt themsèlves to serving Christ within the Church and beyond; abide by the decisions of the Church Members, Meetlng,. acknowledge their responsibS1itles as Church Members,. have their membership application a¢¢epted by the Church Members, Meeting. Church Members share In the respoftsibility for the flnances, admlnlstration, malntenance and actlvltles of the church and elect the Church Leadèrship. The Church Membership meet5 a minlrnum of 4 tirnes per annum for buslness meetlngs and recelves reports from the Church Leadershlp. Anyone applylng to loln the church membership is provided wSth a copy of"8ecomlng a member of Caterham Baptist Church", which explains what we believe and how ihe church operates. Appllcants will also meet with a church elder, and a report of thelr appllcatbn wlll be submltted for approval to the church at a members, meetlng. Rlsk statement The charity is exposed to various risks - be they operational, Ilnanclal or reputational. The trustees revlew the charlty's actlvltles regularly to identify significant rlsks and, where posslble, they take appmprlate measures to mitl8ate those rlsks. Responslbllltl•s of trustees Charity law require5 us as Trustees to prepare flnancSal statements for each accounting year whkh record the receipts nd payments of the charity for the year. We are responsible for keeplng proper accounting records whlch d15c105e wlth reasonable accurary at any tlme the financial posltion of the charity and enable us to ensure that the financial statements comply wlth thè CharltSes Act 2011. We also have a responsibility to safeguard the assets of the charity and to take reasonable Steps to prevent fraud or any other Irre8ularities. Approval This report w y the trustee5 and 5i8ned M thelr behalf by: Page 6 INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF Caterham Bawist Church I report to the truslee5 on my exarnlnation of the accounts of Caterham Baptist Church I'the Charlty'l for the yèar ended 31 December 2020 on pages 8 to 11 followlng. Responsibiliiles and basls of rewt As the trustees of the charity you are responsible for the preparation of the accounts In accordan￿ with the requSrements of the Charities Act 20111'the 2011 Act'l. I report in respert of rny examination of the charlty's accounts carried out under sectlon 145 of the 2011 Art and In carrylng out my examination I have followed all the appll¢able Dlrections glven by the CharSty Commlsslon under section 1451511bl of the 2011 Act. Independent examln•rfs statement I have completed my eKaminatlon. l Confirm that no material matters have come to my attentlon In connection with the examlnallon 8lvlnB me cause to believe that in any materlal respect: l. accountln4 records were not kept in accordance wlth sectlon 130 of the 2011 Act,. or 2. the accounts do not accord wlth the accountlni records. I have no concerns and have come across no other matters In connectlon wlth the exarninatlon to whlch attention should be drawn In order lo enable a proper understandlnl of the accounts to be reached. 18 May 2021 Archie Mctlowall BA. CA Stewardship l Lamb's Passage LONDON ECIY 8AB Date: Page 7 Coterhgm 8optlstChU￿h RECEIPTS AND PAYMENTS ACCOLwr FQR THE YEAR ENDED 31 OECEMeER 20ZO Vnrestricted Fund5 General Desisnated Funds Funds Restricted Fund5 2020 2019 Not Donatio￿5 Grfi ald recelpts L@8aclés GovernTherf 8ranlS Other 8rJnt5 Income from cours¢s and events Income from letting of facilrtie5 Income from Investment IDeposltsl Intom@ rèlaiion to Charts￿e attKI￿leS undertaken dlrgct other 102,907 16,163 910 17.715 2,734 L21.532 18,897 119,589 18,102 20 20 460 1,704 465 1,704 165 1,538 1,743 7,135 14 138 121,432 138 144,494 I￿75 21,987 146,965 Copltolaftdslmftarrn(*ts Salo of a55ets Sa￿ of Snvestments Loon r•paymerts Tvtolr•(vlvts 121,432 1.075 21,987 144,494 14A965 Puyn¥•f•ts Payments In relatSon to charhable actlvltlés undèrtgken dlrétt 2b 117,213 1,090 1,716 120,019 I32,￿1 Grants pald In relation to ch•rhable actIv￿leS undertaken byothth 13,10) 15,884 28,984 21,736 130,313 1.090 17,6 149,IYJ3 153,937 Pen51on paynent5 accrwd In prIOr￿Ar Relaiingto prlor yoar Inetl Loans made 4,956 498 4,956 498 5,454 5,454 ToMINdyments 135,767 1,090 17,fAY) 154.457 153.937 Net of receipt5 1 1paY￿￿nts) before transler5 14,335 15 4,387 9,963 972 Tra￿5fets between funds 165 165 Noi mo¥omofft Infu￿• 14.SQ) 150 4.187 9.963 6.972 Cash funds as * lasi yearend Ca5hlundJatth6Jy•ir•nd 188,624 6.595 195.219 202.I91 174.124 150 10.982 185.156 195.219 The notes on page5 11>11 form part ofthese ￿ounts. C•twham B•ptlStc￿vCh STATEMENT OF ASSEfSAND LIABILITIES Fcrfl THE YEAR ENDED 31 DECEMBER 2020 Unresirirted Funds General Des￿nated funds f￿ndS Restrided fund5 2020 2019 Notes A Cash lunds Cash at bankwhh Immedlate acce55 Notice deposlts Petty ea5h 16,195 157,929 150 3,663 7,319 20,008 165,248 81,662 163,557 174,124 150 10,982 185,256 195,219 oihermon•t•ry •isets Gfft aid due fo charttv Other debtovs 4,09t 4,535 8,626 4,991 4,535 9,526 4,728 2,455 7,183 900 C Unbllltles F•lllrrfdu• wtthln one y••r loan5 Trade credlto T*es due Fee lor Indèpèndent Exarnlnatbn Acciued empenses 1.677 150 5,489 1,999 1,560 3,444 1,973 1,560 5,236 19) 3,662 6,377 F•Ill￿d￿• •ft•ron•yMr'. Loans Penslon obllgatlo 4,957 4,957 Tot•1 5,236 Iso 3,662 9,048 11,334 O Ass•ts r•t•lMd for¢h•Ylty'8 own Ii*e Cc&t Land and bulldlngs Iglve brfef detaknl Musk and PA oqulpment Computirs 4nrf IT 24,350 21,350 43,600 Molorv•hlclts Iglve brfef detallsl 89,3(K) The*counts were apprgvod lry thotrustee5 and slgned on thelr ￿h9 dato NAME A64 LA)/LJ The Thotes on pa￿5 11>11 fotm part of ihese accounts. P4ge9 140TESTOTHEACCOUNIS •OII THEyE￿iE￿ED3IOEcE￿lERIO2O I •A¢ouAtlfti poldes ac￿￿￿$￿1￿ beenpr@par@dona rec•lptsand pxrffflénts ￿51S and CDryr&e 4 StatemvTht thpchari¢y* recéipt& and payment&. a Statsmenttt￿1 surrnyri5es the ch•rfty'S assets aThJ li•bllit*5 aThY re￿ted prevlous ¥tar'sopenln8 baLinces ha* been I￿re0 totake a¢¢tyJntof thLs charye and t netJm)urtolreceipls•nd poV￿￿￿ts{CcrWd f0rin2019knybeendi5¢4o￿ttIDthe P¢cyiptb P•TrontFpKtt￿nt. G•ner41 lunds &r• unr￿trIcted tunds thch are for at the discr8tk)n of the trwtees in fuTtherarre of the Baiefal thi8Ctl%*s of Clthty. 18nated fwds ccrnwse urrtstlicttsl furth that bavt beon set aside trusttes fty partieu14r purp¢*ts. HeStrl¢ted lu￿5 aredonations *thi¢h are to b• Used inKwrd4rKtwith5P¢CifjcrestrictKJnsimrAvd bydon(f5. lheyincludetknJt￿n5r¢(¢1¥ed Trrth Jppea15 forspeclfFc •Bli￿￿e$ or yoR¢ts. Ge￿ra1 fund5 Re5thcled Fur￿1 Tot41 2019 IuDdi 2020 YoUthweeker￿ Av id4y Wleoub 5pnior Mpmw n'sevDnt5 BewhwxlTvts Frld•yaub rth •¥ints L•dles ewynts ot￿￿rInE(ME 707 706 1.939 l311 830 160 165 105 G•Mr41 lunds Tc4•1 2020 Tot•1 2019 lundi P•ym•Trts In w•1tht•<￿I1I•bl••￿1￿•knU14•rtah*r+dlrn& EM￿DyInerI co&ts Isee nolÈ41 lh￿trye￿P2￿tj YoJthand chi￿r*￿'S wryk Outrvactt activlti 11 wulpment i￿r￿ & Subbrrlp1kn5 MiirfeNncedbwKlnp&equlwMnt B7,175 1,019 427 7,775 I,Q19 427 84,641 2,937 5,733 •,501 8,328 5,420 2,055 7,670 4,051 1,739 1,5 2,$74 5,420 7,670 4,171 InsL*aPKe IDtsper4entexamlnDi oirke costs PrtchwcoJTo Ayclub Ottr*rcosts 1,739 1,560 2,574 439 1,277 1,667 1,2C 3.181 1,826 3,560 1,277 117 213 132 201 Owrseasrrdss UK based mls5K Rellerolpo￿ry 2,287 IG,838 io,x 11.484 21.W 28,984 P4elO NOIESTO THEACtOUNTS FOR THEYEAR ENDED31DECEMBER Z020 j￿￿than Balley a5 a church Imlnlsterl ¥Jas pakj E45,79212019.. £44,974] f(x 18r4in8 in th* capadty, rh)t for •s a trustee-, thk paymentls pernbitted bytr*th4rit*88ovorniwdrKum* Othèrtyansxtthwith truStee$￿a keymarb4ett*nt.. re wrre ro trustees'expertses paQ ￿the￿rtrthd 31 t￿rnber2020 ￿)r forlhe ￿￿rerthd 31 December 2019. C MDlman. thevAle olone of thetru5tees, H. Mlllm3ty Is tftwiotr*d by thE(￿rch￿S anadrnini5iratora￿ recei¥Yd a salèryol E4.2a4durfwt** ￿12019.. £3.8971. Mowrn•ntoffuRdb linc••t 31 Otc 2020 l Dlc 2014 ecelpts Transfe Ge￿1#1 fundi 188,624 121A32 135,767 165 171,124 ¢51EMted fur iifE Sub5crfptky Youthwrytterlew￿￿lt 165 150 910 910 Iso R•¥trkt•d lunds BeechwwdTc¢s FTkayOub Grac• &pt*t Mh%lon rdbhlpFuThl Shortthrmrnlwl TearluTrJ Cwlwfor Ufe 439 2,777 7$$ 250 3,716 I,Z03 830 1.9)8 5.586 t,688 Imoo 61 37 3,367 61 3.554 1,3S5 C4tefvmi￿￿el1 Alj TNst PAnts¥ed +*)pp Twit Open D Pr(*lamI￿￿ IMtlluleZ•mbli 1,585 1,411 1,411 258 ,037 Y,66• 4A6 14.0 520 Tot•1 lunds 195 219 144 154 •L*tt4vod Toti rbNtiorn re￿14*d by Beechwjd Tcls, • t