## **Stalham Baptist Church – Charity Number 1192914 Annual Report 2022** ## **Aims and Purposes** Our logo says ‘Jesus at the Centre’ sums up quite well what we are about as a church. We want to see the love, care , compassion and presence of Jesus to be seen in our individual lives and in the wider life of our church because when it does it naturally flows over into our wider community where there are many people who face difficult and challenging situations and need help which may be as simple as a listening ear and some company or practical help because they are struggling to feed their families. SBC has been a respected central part of this community since 1884 providing a vibrant spiritual presence as well as a place for the community to access space and take part in activities that benefit their spiritual, physical and mental well-being and our vision is to see that ethos continue and expand to meet the needs of future generations. ## **Objectives and Activities** **Activities:** We have a balance between the things we do that relate to the spiritual life of our fellowship like services and church-based family and children’s events and **the things that are more geared to serving our local community.** SBC has very strong relationships in the wider community, service providers local businesses, welcoming people from all social backgrounds and levels of ability. The Church was open every day of the week at some point for: - The collection and distribution centre for a Trussell Trust Food Bank - Hosting daily Community Fridge’ (supported by North Norfolk District Council and Hubbub UK) will enable residents and businesses to share surplus food and mitigate food waste. This is available for anyone to help themselves too. Both of which we need more space to develop further enabling us to host a Community Food Hub. So that all food projects are under one roof. - Warm Spaces: With a grant of £2,000 from Norfolk Community Foundation SBC started the ‘Warm Spaces’ project in October 2022 when we welcomed folk to come and have refreshments/soup and companionship. - Events above also include Coffee and Chat, Stalham Horticulture Society, Over 55, s Club, R.A.F.A and quiz and meal all hosted in the ‘Stables’ ( **this building is not part of the refurbishment project** ). - Table Tennis ## **Worship and Prayer** SBC has resumed weekly services in the church but also maintains the online: - A weekly worship service - A weekly online service - Prayer meetings - house group - Quarterly Church meetings - Zoom prayer meetings, Bible study. - Our first Messy Church started in June. - Monthly Men’s Breakfasts ## **Provision of pastoral Care.** All are welcome to attend our regular services on Sunday Morning 10.45 to 12.00 with Sunday School running at the same time, at present SBC has 68 members the average weekly attendance in December was 60. Attendance is not restricted to Members as we have new people who have moved into Stalham joining us and holidaymakers visiting the Broads National Park. As well as regular services we enable our community to celebrate and thank God for the milestones in life through: - Children’s dedications we celebrate the gift of life. - Adult full emersion baptism celebrates people following the path of Jesus. - Marriage public vows are exchanged with God’s blessing and - Through funeral services friends and family express their grief and give thanks for the life which is now complete and to commend the person into Gods keeping. Some members and friends are unable to attend, these people have the benefit of our online service or a CD containing the online service to those who have no access to the internet. The Pastor, Assistant Pastor and other members of the church family also make visits to members of the congregation. ## **Stalham Baptist Church Week** - Monday to Friday: the church is open 10.00am until 12 O’clock for private prayer, prayer meetings and donations to Food Bank. - Stalham Community Fridge is open 2pm – 4pm Mondays. - Tuesday: Coffee & Chat 9.30am - 12 o’clock - Stalham Community Fridge 10 am -12 o’clock every Tuesday to Friday - Foodbank open 1.15pm to 3.00pm Friday 2 – 4pm - During the week the Stables is also used by various external organisations Royal Airforce Association, Stalham Over 55’s, Stalham Horticultural Flower Group ## **Mission and Evangelism** - New Monthly Messy Church Started June 2022 - Monthly Men’s breakfast with guest speaker - SBC donated to: - £4,536.98 Baptist World Mission. - £2,645.42 Eastern Baptist Association Home Mission - £3823.95 Church mission - £455.08 Secular Charities - Our magazine Community Scene is published three times a year at Easter, Harvest and Christmas and is delivered to 1700 homes and businesses in and around Stalham, this is also available online. This popular magazine contains many articles and is free of charge also available on www.stalhambaptist.org.uk - Our weekly Bulletin, online services and much more is made available to the congregation and friends weekly on our www.stalhambaptist.org.uk ## **Reserves Policy** SBC Reserves Policy for 2023 is to hold £31,921.00 made up of 3 months staffing plus 3 months expenses from the budget. ## **Refurbishment Project – SBC Community Rooms** As reported in the Annual Report for 2021 Planning permission and building regulations are in place for a major refurbishment of the Schoolroom (a large hall) and anti-rooms. Priority areas identified include: - The Schoolroom - Installation of Unisex/Disabled Toilets to incorporate baby changing facilities. - Installation of a new and larger kitchen - Creating a room over the toilets and kitchen for small group meetings/office. - Widening the link corridor to facilitate wheelchair users and a larger number of people. Tenders were received for the above work in October 2021, the project costs including VAT was £590,000. We have raised a significant amount of funding through the generosity of time and giving by so many people. We are delighted to have been awarded pledges from five Grant Aid funders totaling £70,000. These will be payable when all funds are secured as we continue into 2023 to realise our goal. ## **Volunteers** We would like to thank all our volunteers who work so hard to make SBC the vibrant and lively community it is enabling: - Financial stability: through the amazing contribution of approximately 100 volunteers including non-church folk and some carrying out more than one activity. It would not work economically if it was a commercial enterprise. - An opportunity to promote the value of volunteering: Coming out of isolation is a great opportunity to feel part or the community, making new friends, learning new skills building confidence and a feeling of self-worth. It can enhance a person’s CV and improve their employment prospects. ## **Structure and Governance** SBC is a member of the Eastern Baptist Association and is governed by our constitution (available on request) which is closely aligned to the Baptist Union model constitution. ## **Leadership Structure** As with all churches in the Baptist movement our members elect our leaders. The Trustees to be responsible for the governance of the Church and they with approval of the members appoint the Pastor/s. **Pastor** ## **Assistant Pastor** ## **Sub-Group (Volunteers)** **Trustees** - Church Treasurer Stewart Marsh - Church Secretary Diana Gordon - Maggie Harpur - • Henry Nicholson - Elaine Smith • Daniel Nicholson - David Child The Pastors are automatically Trustees of the charity, the other elected trustee’s serve a three-year term when they can offer themselves up for re-election if they wish. Currently we have nine Trustees. The Trustees are responsible for considering all matters relating to the church and bring forward suggestions and recommendations to the church meeting for members to consider and vote on. (Church meetings are three monthly), the Trustees meet fortnightly via Zoom. ## **Administrative information** Stalham Baptist Church is situated at: 146 High St STALHAM Norwich, Norfolk Correspondence address The Manse 56 Brumstead Road STALHAM ## **Stalham Baptist Church** **Statement of Accounts for year ended 31[st] December 2022** _Page 1_ ## **STALHAM BAPTIST CHURCH RESERVES POLICY** The reserves policy of Stalham Baptist Church is to hold three months of all expenditure plus a further three months staff costs to allow the church to adapt to any changes in the income or expenditure of the church. The trustees currently believe this amount to be £31,921, compared to £62,203 in free cash reserves held at the 31st December 2022. The trustees have budgeted to use the excess towards the building project. The figure of £62,203 consists of the General Fund and the Contingency fund. This policy will be reviewed in January 2024. _Page 2_ ## **Stalham Baptist Church** ## **Receipts and payment account for the year ended 31[st] December 2022** Receipts and payment account for the year ended 31st December 2022 |||Unrestricted
Designated
Restricted
Year to
Year to| |---|---|---| ||Notes|funds
funds
funds
31/12/2022 31/12/2021| |||| ||Receipts|| ||Planned giving|11,510.00 2,550.00 225.00
14,285.00 38,416.78| ||Collections and other giving|11,274.52 - .0 154.00
11,428.52 10,761.41| ||Other voluntary receipts|46,477.45 5,210.00 38,486.14
90,173.59 10,569.21| ||Gift Aid recovered|11,020.81 637.50 6,690.62
18,348.93 9,384.70| ||Other receipts|156.99 - .0 - .0
156.99 2,585.96| ||Activities for generating funds
1|2,259.26 - .0 7,032.23
9,291.49 566.41| ||Investment Income|3,767.73 - .0 - .0
3,767.73 774.16| |||86,466.76 8,397.50 52,587.99
147,452.25 73,058.63| ||Total receipts|| |||| ||Payments|| ||Cost of generating funds|- .0 - .0 - .0
- .0 - .0| ||Missionary and charitable giving
2|455.08 - .0 11,006.35
11,461.43 8,054.21| ||Clergy and staffing costs|61,145.13 - .0 - .0
61,145.13 62,171.41| ||Church running expenses
3|6,120.42 - .0 343.42
6,463.84 8,746.55| ||Church repairs and maintenance|- .0 - .0 1,564.80
1,564.80 15,282.76| ||Governance Costs|- .0
- .0 - .0
- .0 - .0| |||67,720.63 - .0 12,914.57
80,635.20 94,254.93| ||Total payments|| |||| |||| ||Net (payments) / receipts for the year|18,746.13 8,397.50 39,673.42
66,817.05 - 21,196.30| |||| ||Transfers|| ||Gross transfers between funds - in|- .0 - .0 8,445.96
8,445.96 12,948.21| ||Gross transfers between funds - out|- 8,445.96 - .0 - .0
- 8,445.96 - 12,948.21| |||| ||Net movement in funds after transfers|10,300.17 8,397.50 48,119.38
66,817.05 - 21,196.30| |||| ||Reconciliation of funds|| |||| ||Total funds brought forward|173,478.71
32,505.07 11,000.00 129,973.64
194,254.66| |||| ||Total funds carried forward|42,805.24 19,397.50 178,093.02
240,295.76 173,478.71| _Page 3_ **Stalham Baptist Church** **Statement of assets and liabilities at 31[st] December 2022** ||Year to 31/12/2022
Year to 31/12/2021| |---|---| ||| |Assets|| |Cash at bank and in hand|| |Barclays current account|9,359.56
7,395.05| |Barclays payments account|2,007.34
5.87| |Baptist Union Deposit Account -92 Day account|230,781.93
166,514.20| |Baptist Union Deposit Account - 7 Day account|0.00
0.00| |Cash in hand|0.00
0.00| |Total Cash at Bank and in hand|242,148.83
173,915.12| ||| |Liabilities|| |Agency collection|1,853.07
436.41| |Net current assets less current liabilities|240,295.76
173,478.71| ||| ||| |Pension scheme liability|-
18,238.50| |Funds of the church|| |---|---| ||Year to 31/12/2022
Year to 31/12/2021| ||| ||| |Unrestricted|| |General fund|42,805.24
32,505.07| ||| |Designated|| |Replacement Reserve|11,000.00
11,000.00| |Future Loan Repayments (Pledged Funds )|8,397.50
0.00| ||| |Restricted|| |Building Fund|172,795.95
126,051.41| |Church Mission|786.19
1,250.06| |General Youth Fund|584.84
584.84| |Warm Space|1768.68
—| |Youth Work|2,087.36
2,087.36| |BMS World Mission|70.00
—| ||| |Funds of the church|240,295.76
173,478.74| _Page 4_ **Stalham Baptist Church** **Receipts and payment account for the year ended 31[st] December 2022** ## **Notes.** ## **Basis of accounts** These accounts have been prepared on a ‘receipts and payments’ basis and in accordance with Section 133 Charities Act 2011. ## **1. Activities for generating funds** |Coffee & Chat|526.00| |---|---| |Crowdfunder UK|399.41| |Daffodil sales|1,173.70| |Good fellowship club|247.50| |Other fundraising events|757.85| |Platinum Jubilee Lunch|255.00| |Sales|3,564.78| |Sponsored walk|415.00| |
St Georges Quiz night|231.50| |
Table tennis|1,081.00| |Treasure Hunt|235.00| |Use of Premises - Fund Raising|404.75| ||| |Total Activities for generating funds|9,291.49| ## **3. Church Running Expenses** |**Church Running Expenses**|| |---|---| |2201 - Training and Mission Expenses|120.00| |2301 - Church - Insurance|1,521.03| |2310 - Church - Telephone|228.15| |2330 - Church Maintenance|1,315.07| |2331 - Cleaning|333.78| |2335 - Church Equipment|343.42| |2340 - Cost of services|0.00| |2350 - Web & Audio/Visual|548.17| |2360 - Administration|378.20| |2401 - Church - Electric|1,267.20| |2420 - Church - Water|367.06| |2501 - Printing|41.76| ||| ||| |Total Church Running Expenses|6,463.84| ## **2. Missionary and Charitable Giving** |BMS World Mission|4,536.98| |---|---| |Home Mission|2,645.42| |Church Mission|3,823.95| |Giving to Secular Charities|455.08| ||| |Total Missionary and Charitable Giving|11,461.43| _Page 5_ ## **5. Pension Scheme Liabilities** The Church is a participating employer the Baptist Pension Scheme (“the Scheme”), which is a separate legal entity administered by the Pension Trustee (Baptist Pension Trust Limited). The assets of the Scheme are held separately from those of the Employer and the other participating employers. 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. Prior to this date the main benefit provided through the Defined Benefit (DB) Plan was a 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. Since 1 January 2012, benefits have been provided through a Defined Contribution (DC) Plan. In 2022 the Baptist pension trust signed an agreement with the insurance company Just Group ("Just") to secure DB Plan members' pension benefits. This agreement is referred to as a 'buy-in policy'. It follows a similar agreement with Just in 2019 that covered most pensions in payment at that time. The combined agreements mean that Just are now providing financial backing for all DB pensions provided through the Scheme's DB Plan. The costs of such policies are largely driven by financial markets and these have moved substantially in the Scheme's favour, particularly over the course of the last few months. As a result, this transaction takes the Scheme out of a shortfall position for the first time in two decades. Although risks remain, the Baptist Union and the Trustee have agreed that deficit recovery contributions from each participating employer in the DB Plan will reduce to just £1 per month from August 2022. The Trustee and the Baptist Union have agreed that DRCs will reduce to £1 per month for each employer from the August 2022 payment until June 2026. Participating employers remain responsible for providing a share of any additional funds that the DB Plan may require in future. The Church has been advised that the estimated cost for the church to buyout their Pension Scheme liabilities at 20 June 2022 was £18,600. _Page 6_ Recommended Ternis of Appolntment for Independent Examiner Name of Churth Cthe thurch','Us? Cthe Exarni￿rf, 'You','Yourf) Name of IndeP￿ent Examiner l. Eng•gement as Independent Examiner The purpose of this agreement is to cc*)fim) ba45 cn You as tt* Ex3mlner WFII to prepare a report in resF*rt of the Churth's fina￿la1 stat￿ents for the y ended Section 145 of the Charities Act 2011 Ctre AL1). 2. R•spO￿lbiri￿qS of the Chur¢h The Church and its Charty TrLStees are respongble f a) malntslnlng wcper accounUng rectyds and preparfry aCc￿nts vthith frum tlie trusteei CLKKeriilNJ aiiy S￿th matters. Tl* ￿￿EdureS Ut￿ertake1l do not wovlde 411 the e￿den￿ that would be required In an audit, and consequth no opinw is glven as to whether the accounts present a'true and falrf view and the repyt is Ilmthl to thjse matters set out in the ststement teFow. Indep•ndffit ex•mln*• •tat•ment 'n￿ the Churth s gross Income exceeded £250,(MXI ywr examiner rwst be a member of a bcty Ilsted In seCtIc￿ 145 of the 2011 Art. I confirm that r am qualffied to un(ieftake the exBMInatK￿ because l am a member of [in5ert named of Op￿ICable Ilsted I￿)dY], whlch is of the Ilsted btsJie& (Ctlete ff Income Is kss than £250,1￿) In connectlon wlth my examInaU￿, no materkl mattws have ccffie to my atenV4J) whlth glve5 me cause to beleve that In, any material respect: accounting re￿d5 nrt kept i) a(c￿danCe th SertiC￿ 130 of the Charilies or the accounts do not aCC￿d wrih the accounting rec￿d5 the accounts do not coM￿Y wth the app￿cab]e requirerr*nts cO￿eMIng the forn) and contentof accounts set out In the char￿eS (Accwnts and Repjrts) RegUlatk￿ 21hJ8 rther than ary requlrement that the accounts give a and falr vlew whlch Ls nct a mts conskkno a5 part ly an indeFendent examlnatlon. (If accounts prepared on ￿15 basEs* I have c(me across no other matter5 In CcmneCtl￿ wryth the examinati￿ to whkh attertlon shoukl be drawn In (wder to enatAe a proper understandlng of the accwnts to be read*d. *Delete the W￿d5 In the traL*ets if t1￿Y Th*a Slgned by or on behalf of tt* Exami Date L Name Relevart PrefesSi(￿al QualifKation(s) cf b(th (tf any) Ufvj Address Page 7