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2020-12-31-accounts

Contents Contents
Report ofthe Trustees for the year ended 31 December 2020 Page
a. Objectives and activities.
b. Achievement
and performance
c.Financial
review
d. Future plans.
e.Structure,
governance
and		 management 10
f.Reference and administrative details ofthe charity, its Trustees and advisors
g. Exemption
from disclosure		 . 12
h. Funds held as custodian. .12
i.Declaration 12
Report ofthe Independent Examiner. 13
STATEMENT OF FINANCIAL ACTIVITIES 14
BALANCE SHEET.
CASH FLOW STATEMENT. 16
NOTES TO THE FINANCIAL STATEMENTS 17

Names ofcharity Trustees who manage the charity (collectively known as the Pastors and Deacons) known as the Pastors and Deacons)
Trustee Name Office Dates acted if not for Name ofperson (or body)
whole year entitled to appoint Trustee
Mr Colin Barnett Elder Church members
Mr George Boyd Deacon September 2020 Church members
Rev Dr Alwyn
Barry		 Senior Pastor Church members
Mr Harry Doel Deacon Church members
Mr Alex Luffrum Deacon (Church Secretary) September 2020 Church members
Rev Tim Martin Associate Pastor Church members
Mr John Milroy Deacon (Church Secretary) Retired September 2020 Church members
Mr Paul Montgomery Elder Church members
Mr Alan Piibeam Elder Church members
Mr Steve Pullen Deacon Church members
Mr lain Sheppard Deacon (Church Treasurer) Church members
Mr Peter Stojanov Deacon Church members
Mr David Waters Deacon Retired September 2020 Church members
Type of advisor Name Address
Independent Examiner Steven Pascoe ACMA c/o Cambray Baptist Church, Cambray
Place,
(Church accounts) Cheltenham, GL50 1JS
Bankers CAF Bank Ltd 25 Kings Hill Avenue, Kings Hill, West Mailing, ME194JQ
Solicitors Willans LLP 28 Imperial Square, Cheltenham,
GL50 1RH

ear ended 31December 20 20
Notes Unrestricted Restricted Endowment Total Total
funds funds funds 2020 2019
Income from:
Donations
and legacies		 251,290 24,134 275,424 275,761
Charitable
activities		 4,423 4,423 27,990
Investment
income		 168 168 339
Total income 255,881 24,134 280,015 304,090
Expenditure
on:
Charitable
activities		 255,633 24,109 279,742 312,200
Total expenditure 255,633 24,109 279,742 312,200
Net income/(expenditure) 248 25 273 (8,110)
Reconciliation
offunds:
Total funds brought forward 205,094 10,788 215,882 223,992
Total funds carried forward 18 205,342 25 10,788 216,155 215,882

T 31 DEC EMBER 2020
Notes 2020 2019
f f
Fixed assets
Tangible fixed assets 10 23,088 29,748
Current assets
Debtors 11 12,203 13,328
Cash in hand and at bank 12 227,180 226,175
239,383 239,503
Current liabilities
Creditors: amounts falling due within one year (9,198) (12,890)
Net current assets 230,185 226,613
Total assets less current liabilities 253,273 256,361
Non-current liabilities
Creditors: amounts falling due after one year 14 (37,118) (40,479)
Net assets 216,155 215,882
Charitable
funds
Unrestricted funds 15 205,342 205,094
Restricted funds 16 25
Endowment funds 17 10,788 10,788
Total funds 18 216,155 215,882
CASH FLOW STATEMENT
Year ended 31December 2020
Notes 2020 2019
f f
Cash flows from operating
activities:
Net income/(expenditure)
for the year as
per the statement of financial
activities		 273 (8,110)
Adjustments
for:
Finance cost pension
discount
unwind		 407 1,250
Depreciation
charges		 6,660 6,662
Movement
in pension
liability		 (107) (24,856)
Pension deficiency payments (3,577) (4,666)
Decrease/(increase)
in debtors		 1,125 (3,721)
(Decrease)/increase
in creditors		 (3,776) 1,278
Net cash provided/(used)
by operating		 activities 1,005 (32,163)
Cash flows from investing activities:
Purchase ofproperty,
plant and equipment
Net cash used by investing
activities
Net increase/(decrease)
in cash and cash		 equivalents 1,005 (32,163)
Cash and cash equivalents
at the beginning		 ofthe year 226,175 258,338
Cash and cash equivalents
atthe end ofthe year		 12 227,180 226,175

Cambray
Baptist		 Cambray
Baptist		 Church, Cheltenham Church, Cheltenham Church, Cheltenham
2 Donations and legacies
Unrestricted Restricted Total 2020 Total 2019
f
Offerings and similar donations 213,856 21,030 234,886 228,620
Gift Aid tax refunds 36,714 3,104 39,818 39,897
Donations
received for meals,		 outings
and similar 70 70 2,092
Grants received 650 650 3,152
Bequests and legacies 2,000
251,290 24,134 275,424 275,761
3Income from charitable activities
Unrestricted Restricted Total 2020 Total 2019
f f
Income from use ofchurch premises 830 830 4,021
Sale ofbible study notes and Christian
magazines 705
Subscriptions and general sales 3,031 3,031 18,860
Other income 562 562 4,404
4,423 4,423 27,990
4 Investment income
Unrestricted Restricted Total 2020 Total 2019
f f
Bank interest 168 168 339
5 Expenditure on charitable activities
Notes Unrestricted Restricted Total 2020 Total 2019
f
Ministry 120,892 120,892 96,866
Mission 54,558 24,109 78,667 118,280
Establishment 80,183 80,183 97,054
255,633 24,109 279,742 312,200

Total expenditure
Activities
undertaken
directly		 Grant
funding of
activities		 Support
costs		 Total
2020		 Total 2019
f
Notes
Ministry 120,892 120,892 96,866
Mission 10,279 68,388 78,667 118,280
Establishment 39,989 40,194 80,183 97,054
171,160 68,388 40,194 279,742 312,200
Grant funding
(over f1,000specified)
Unrestricted Restricted Total 2020 Total 2019
f f
Baptist Home Mission 1,296 1,296 1,390
BMSWorld Mission (General, Medical,
Birthday 5Relief Funds} 1,376 1,376 1,442
Christmas
Offering 2020 for		 Family Space
5YMCA 3,457 3,457 3,649
Cheltenham
YFC		 630 630 730
Crosslinks
—Andy Symons		 12,100 12,100 12,100
Harvest 2020 348 20,652 21,000 17,947
Latin Link —Suzanne Windsor 4,115
3C Church
—CAP		 1,200 1,200 1,200
Emily R.Riza Pepa - Kosovo 12,550 12,550 15,250
SIM International
- N Coleman		 4,800 4,800 4,800
Special Appeal - Cyclone India Appeal for
SIM and MAF 5,125
Wycliffe
UK —T5 N Kempton		 9,600 9,600 9,600
Grants payable - f1,000and less 379 379 2,362
44,279 24,109 68,388 79,710

8Support co s ts
Unrestricted Restricted Total 2020 Total 2019
f
Administrative staff 31,082 31,082 30,039
Other administrative costs 9,112 9,112 11,145
Governance costs 146
40,194 40,194 41,330
Support costs are considered to be fully attributable to Establishment.
9Staff costs and trustees' expenses
Total 2020 Total 2019
f f
Salaries 139,314 130,182
Socia I security costs 5,646 5,642
Pension costs 10,699 10,700
Decrease in pension liability (107) (24,856)
Other costs 6,847 12,065
162,399 133,733
Cambray
Baptist Church, Cheltenham
10Tangible Fixed Assets
Church Furniture & Computers &
premises Manse fittings equipment Total
Cost
At 1January 2020 59,100 3,688 71,300 70,553 204,641
Additions
At 31December 2020 59,100 3,688 71,300 70,553 204,641
Depreciation
At 1January 2020 41,600 62,740 70,553 174,893
Charge forthe year 5,200 1,460 6,660
At 31December 2020 46,800 64,200 70,553 181,553
Net BookValue
At 1January 2020 17,500 3,688 8,560 29,748
At 31December 2020 12,300 3,688 7,100 23,088
11Debtors
2020 2019
f f
HM Revenue &Customs (Gift Aid tax reclaim) 6,476 7,942
P repayments 5,727 5,386
12,203 13,328
12Cash in hand and at bank
2020 2019
f f
Cash 232 224
Current accounts 18,688 11,953
Savings accounts 208,260 213,998
227,180 226,175
13Creditors: amounts 13Creditors: amounts falling falling due within due within one one year
2020 2019
f
Pensions
liability (deficiency		 contributions payable to Baptist Pensions) 4,853 4,769
Accrual for grant payable in respect ofChristmas offering 3,457 3,649
Accruals and deferred income 221 2,245
Trade creditors 667 2 227
9,198 12,890
14Creditors: amounts falling due after one year
2020 2019
f f
Pension
liability:
At 1January 45,248 73,520
Finance cost ofdiscount unwind —included within Ministry activity 407 1,250
Deficiency contributions paid (3,577) (4,666)
Decrease in pension liability - staff costs (107) (24,856)
At 31December 41,971 45,248
Amount
falling due within one year		 4,853 4,769
Amount
falling due after		 one year 37,118 40,479
The discount rate used for the finance cost for pension liabilities is 0.9%(2019:2.4%).
15Unrestricted
funds
Net income/
Transfers
At 1.1.2020 Income Expenditure (expenditure)
to/(from)		 At 31.12.20
f f f f f
General fund 176,671 227,021 (205,107) 21,914
(14,730)		 183,855
Designated
funds:
Fellowship
fund		 1,709 1,709
Legacy fund 5,048 5,048
Organisations'
fund		 2,702 2,020 (2,292) (272) 2,430
Partnership
fund		 4 26,840 (41,574) (14,734)
14,730
Tangible fixed assets 18,960 (6,660) (6,660) 12,300
205,094 255,881 (255,633) 248 205,342
Registered
charity		 number: 1156858 Page 23of25
16Restri cted funds
Net income/
At 1.1.2020 Income Expenditure (expenditure) At 31.12.20
f f f f f
Appeals fund 24,134 (24,109) 25 25
24,134 (24,109) 25 25
Appeals Fund - is for special offerings taken during the year, for example at Christmas
and		 Harvest.
17Endowment
funds
Net income/
At 1.1.2020 Income Expenditure (expenditure) At 31.12.20
f f f
Church and manse buildings 10,788 10,788
See Note 1g Fixed Assets for background details.
18Analysis ofnet assets
Fixed Current Current Non-current
assets assets liabilities liabilities Total
f f
Unrestricted funds 15 12,300 235,901 (5,741) (37,118) 205,342
Restricted funds 16 3,482 (3,457) 25
Endowment funds 17 10,788 10,788
23,088 239,383 (9,198) (37,118) 216,155