## Tabernacl Eglwys y Bedyddwyr Annual Report 2021
Tabernacl Eglwys y Bedyddwyr is a Grade II* listed City Centre Church. Services are conducted in the Welsh language. At the beginning of the year the governing body consisted of the minister, 2 joint secretaries, treasurer, 2 financial secretaries and 11 other deacons. At the end of January, the minister retired. We lost 2 deacons during the year (1 resignation and 1 by default through lack of attendance) but 3 new deacons were elected to replace them in October. The year started with 155 members. There were 2 deaths during the year but no new members were accepted into the church thus ending the year with a membership of 153.
Following the retirement of our minister after 30 years’ service, the need arose to seek a new minister to take his place. Unfortunately, there were no suitable candidates forthcoming, but our search is ongoing and hopes are high that we will eventually be successful. During this time the pulpit has been ably filled by deacons of the church, visiting ministers and groups of members in a particular area getting together to prepare a service. No services have been lost through lack of someone to fill the pulpit.
The church is committed to helping us to worship God, proclaim the Gospel and demonstrate the love of God in our everyday life, in Cardiff, Wales and the World. Most members are Welsh speaking but anybody who wishes to attend are always made welcome.
For the first half of the year services were in the morning only due to the pandemic but in July it was decided that we would revert to our usual routine of two services every Sunday. Numbers present were still not as high as pre-pandemic but hopefully this will improve in future as more elderly people deem it safe to return. Again, this year services have been transmitted live from the church on Facebook, shown on You Tube so that those not able to attend can receive the service in some format at a time convenient for them. We continue to hold some meetings on Zoom but as far as possible meetings are now held face-to-face.
Sisterhood meetings and our Tuesday social meetings restarted in September but have now been timetabled for once a month throughout the year rather than every week for 6 months of the year during school term time. This has been a successful experiment so it has been decided to continue with this format in the future.
In normal times the church is used frequently for other events and purposes by church members and by the general public. However, usage has not yet reached its pre-pandemic levels, but hopefully this will improve as we move forward following the pandemic.
Sunday afternoon tea for the homeless has not restarted due to a lack of volunteers but it is hoped that these problems can be overcome in the new year. In the meantime, a donation has been made to a local charity caring for the homeless. Similarly, the coffee morning on Saturdays where we normally donate the proceeds to various charities, we support have been unable to recommence through lack of volunteers and illness. Coffee mornings are still held on Zoom so enabling those confined to their homes for whatever reason to have social contact with other members of the congregation.
Hijinx (a group of disabled youngsters who get together once a week for various activities) and Street Pastors have returned to pre-pandemic routines and use the church regularly on Wednesday evenings and Friday/ Saturday evenings respectively, though they too are finding it difficult to get enough volunteers.
During the year our two Bible study groups have continued to meet regularly on Zoom. Not only did it avoid exposure to Covid but it also took away the problems associated with reaching the church through barriers erected to prevent city Centre acts of terrorism. Towards the end of the year the youngsters from these groups were able to carry out their yearly visit to the Welsh Chapel in Castle Street, London where they prepare and deliver the Sunday morning service.
As a church we are twinned with Sefika Church in Maseru, Lesotho, and through this have developed a strong friendship with different organisations in Maseru. Over the past years we have raised considerable sums of money, enabling the building and equipping of a clinic, sponsoring several children’s education, contributing to a ‘help to grow’ scheme and funding PPE for school children. We see this as our opportunity to demonstrate the love of God in other parts of the world less fortunate than ourselves. Throughout this difficult year we have continued our support of organisations in Maseru, Lesotho, BMS, Bible Society, Christian Aid, etc and contributions to the good causes have remained similar to those of previous years.
During the year the project of providing an access ramp and refurbishment of toilets for the disabled was completed. Having been in the planning phase for such a long time it was very satisfying to see it come to fruition. These additions will make the building easier for use by wheelchair users on any occasion. The Gents toilet had been housed in an outside building for many years and was in need of complete refurbishment and renovation. Because of its condition, outside situation and costs involved, it was decided to demolish this building rather than renovate and gentlemen would make use of the facilities already provided in the building. This brought to an end the big project which had been in the pipeline for many years. Unfortunately, it was discovered during these works that the drains were in need of attention and there was an extra cost of approximately £20,000.
The stonework of the church, which was built in 1865, is beginning to show its age and will require attention regularly to prevent further deterioration. The central heating boiler is old and no parts would be available if it ceased to function so finding a new system of heating will be our project for the coming year.
## Financial Review
Total receipts on unrestricted funds were £176,249 while restricted funds of £16,571 were received. Both figures are detailed in the Financial Statement. Most of the income was from individual donations, either as their weekly offering or one-off gifts to the church. Included is a bequest of £50,000 from one of our members. Fund raising events and hiring out of the premises has been curtailed again this year which would have brought in extra income.
The balance on the building project came to £156,329. This was higher than anticipated as work was required on the drains beneath the building. There will be a small amount to pay in the next financial year as a percentage of the overall cost retained for one year from completion of the project to put right any work deemed to be of an unsatisfactory standard. Fortunately, we secured some grant funding and are able to reclaim VAT on some of these costs.
Ministerial costs were greatly reduced this year as we were without a minister for most of the year but our payment towards the deficit in the Baptist Pension Fund remains.
We have 3 reserve funds
Cronfa Fugeiliol – a fund set up by the deacons many years ago to ensure that there would be money to pay the minister if weekly offerings did not meet the needs.
Cronfa Cymunroddion – this is made up of bequests. This has been set aside to pay for ministerial accommodation if the need arises to buy or rent a property.
Cronfa Cyffredinol/Gwelliannau – this is money built up over time when the membership was higher and weekly giving was greater. Withdrawals can be made from this fund for general maintenance and improvements. At present part of the restricted organ fund is included in this fund. This money has been collected over several years and earmarked for any major work required on the organ in future.
During the year a total of £70,000 has been withdrawn from this fund to pay for the building project. It could also be required to pay off the pension deficit of an estimated £60,000 if we are unsuccessful in employing a new minister who is in the Baptist Pension Scheme.
Approved by the deacons on 14th July 2022 and signed on their behalf by
Rhodri ab Owen
**Tabernacl Eglwys y Bedyddwyr Cyfrif Blynyddol 1 Ionawr - 31 Rhagfyr 2021**
|**Cyfrifon Derbyniadau a Taliadau**
2020
**DERBYNIADAU**
**Cyfraniadau a Rhoddion**
39197 Offrwm Wythnosol
20933 Dydd Rhoddion
17100 Rhoddion
**Adeilad**
1420
Gwelliannau
3925
Defnydd Adeilad
679
Boreau Coffi
2149
**Achosion da**
2086
**Cronfa'r Organ**
**Cronfa'r Piano**
**Incwm Penodol Arall**
3159
Paneli solar (FIT)
11227 Rhodd Cymorth
200
Cronfa Salem
**Incwm Amrywiol**
496
Cymdeithas Nos Fawrth
210
Te Prynhawn Sul
257
Incwm amrywiol
Ad-daliad treth
**Achosion Tramor**
14710 Lesotho/Noddi plant Lesotho
**Achosion Eraill**
465
Cynllun penblwydd BMS
74
Senana
182
Casgliad Cymun
980
Apeliadau arbennig
1336
Llôg o buddsoddiadau CCLA a'r banc
120785
**TALIADAU**
**Costau'r Weinidogaeth**
39853 Cydnabyddiaeth
Diffyg Pensiwn
3250
Treuliau
2600
Costau'r Mans
400
Pregethwyr achlysurol
**Gweinyddu**
1951
Llungopio a nwyddau swyddfa
784
Ffôn a Band Eang/Western Mail
2959
Aelodaeth yr Undeb a Chostau Banc
1145
Costau amrywiol
**Yr Adeilad**
3161
Cynnal a chadw
29705 Cyfarpar newydd
35187 Gwelliannau
4702
Nwy / Trydan/Dŵr
3216
Yswiriant
1856
Glanhau
**Piano**
**Lluniaeth / Gwin Cymun**
**Achosion Eraill**
1886
BMS
14293 Lesotho/Noddi Plant Lesotho
984
Achosion Da yr Eglwys
Apêl Timothy Richards
740
Cymorth Cristnogol
810
Hostel Huggard a Llamau
150
Felindre
Shelter Cymru
Maint Cymru
SANDS
90
Mudiad y Chwiorydd
149722
-28936 **Incwm / Gwariant NET**
47152 Mewn Llaw yn y banc(31/12/2020)
Trosglwyddiad o COIF/CCLA
18216
-1336
16880 Mewn Llaw yn y banc(31/12/2021)|Cronfeydd
Anghyfyngedig
Cronfeydd
Cyfyngedig
Cyfanswm
£
£
£
39830
39830
27285
27285
53935
53935
1585
1585
2155
2155
149
149
2281
2281
1925
1925
1615
1615
4406
4406
14328
14328
1222
1222
470
470
32051
32051
7311
7311
552
552
100
100
97
97
1468
1468
55
55|
|---|---|
||176249
16571
192820|
||3027
3027
4803
4803
270
270
216
216
2010
2010
1915
1915
1465
1465
2983
2983
4374
1313
5687
3667
3667
73
73
156329
156329
2940
2940
3313
3313
1440
1440
640
640
65
65
1995
1995
5753
5753
1034
1034
100
100
915
915
100
100
140
140
200
200
243
243
70
70|
||188890
12503
201393|
||-12641
4068
-8573
-12884
29764
16880
70000
70000|
||44475
33832
78307|
||(Llôg)-55
78252|
## **Tabernacl Eglwys y Bedyddwyr Cyfrifon Blynyddol 31 Rhagfyr 2021**
## **Dadansoddiad o Asedau Ariannol ar 31 Rhagfyr 2021**
**Cronfeydd Anghyfyngedig** Cronfa Cymunroddion £352,648 Cronfa Fugeiliol 57,042 Cronfeydd Cyffredinol 60,903 ------------ **£470,593 Cronfeydd Cyfyngedig** Cronfa’r organ £23,123 Cronfa’r piano 975 Cronfa Lesotho 2,375 Cronfa Te Prynhawn Sul 93 Cronfa’r Gymdeithas 566 Ysgoloriaeth Dewi Watkin Powell 2,345 Cronfa Salem 17,095 --------------- **£46,572** -------------- **Cyfanswm Asedau Ariannol ar 31 Rhagfyr 2021 £517,165** ---------------
Tabernacl, Eglwys y Bedyddwyr
Datganlad o asedau a rhwymedigaethau ariannol
31 Rhagfyr 2021
Cronfeydd ar 31 Rhagfyr 2020
Llai gwariant net ar gronfeydd anghyfyngedig
Incwm net ar gronfeydd cyfyngedig
£525,738
12,641
4,068
Sefyllfa ariannol ar 31 Rhagfyr 2021
£517,165
Cyfrif cyfredol Banc Co-operative
Cyfrif cynilo Banc Co-operative
£ 78.252
1,107
COIF/CCLA Cronfa Cymunroddion
COI F/CCLA Cronfa cyffredinol/or8an
COIF/CCLA Cronfa fugeiliol
352,648
28,116
57,042
Asedau Arlannolar 31 Rhagfyr 2021
£517,16S
Asedau eralll
Yn ddyledus - Rhodd Cymorth 2021
£12,924
Gwerth yswiriannol yr adeilad
Cynnwys yr adeilad
Mae adeilad yr eglwis o dan weithred cyfamod.
£4,642,443
£175,612
Amcangyfrif rhwymedigaeth i gynllun pensiwn y Bedyddwyr
(mewn achos gadael y cynllun)
£60,200
Trosglwyddwyd £70,000 o'r gronfa cyffredinol fel rhan o'r tsliad at
gwelliannau'r adeilad.
Paratowyd y cyfrifon Ban Gill Thomas a Helen Jones (Ysgrifenyddion ariannol)
Cymeradvrywyd y cyfrifon gan yrymddiriedolwyr ac arwyddwydar eu rhan gan
21
Catrin E Lloyd
Hyn sydd i gadamhau bod y cyfrifon yn rhoi golwg gwir a theg o sefyllfa ariannol
Tabernacl, Eglwys y Bedyddwyr ar 31 Rhagfyr 2021.
HUW ROBERTS F.C.M.A.
Cyfrifydd ac Ymarferydd Profiant Awdurdodedig
COMISIWN ELUSENNAU
AR GYFER CYMRU A LLOEGR
Adroddiad yr archwlliwr annlbynnol ar y
cyfrffon
Adran A
Adroddiad yr Archwiliwr Annibynnol
Adroddiad i
ymddlrfedolwyrlaelodau
)104
Ar y cylrllon am y
Ilwyddyn yn dlweddu
Rhlf yr Elu•en
(08 008)
2021
1144lPo
wld ar dudaletx)au
Adroddaf fr ynKJdlrknJoW ar fy ar(ar*lliad o gyfrifon yr dusen (?r
Ymddlido1a6th1 am y ftwyddyn yn diweddu
Cyfrlfoldeb•u a'r •all Fal YMddWd0lwyr yr Ymddirwdola8th. rytyth yn gyfrifol orn baratol'r
adrodd cyfrlfon yn unol a gofynkn D•Jdf ElusnaU 2011 Tr Dd8drfl.
Adroddaf parthYS a'm hwcP¢•AUad o gyfrlfon yr Ymddlrk8dolaoth a
Ihawyd o dan adran 145 0 Ddeddl 2011 ac wrth ymgymryd a'm
harthwlll•J, dtynai8 y Cyfamyddiadau cymwys a rodth¥yd gan y Comt8lwn
EIu8ennau o dan adran 145(5)(b) o'r Ddeddf.
Datganlad yr archwlllwr RW tfvedi th*blhau fy 8rdy118d. Cadamhaf nad yw unrhyw f8t8rl
annlbynnol porthna8d **di i'm (heblawr hyn a dd8tgellr isod '> mewn
perthyna8 a'r wthAliad tyn It1 achos i MS grodu, me*n Unrh agw
berthnasd:
ni chafodd CQfr10n cyfflfyddu •u ca(Pw yn und ag adran 130 o'r
nid Gyfrlkn yn cydymfvrfio a'r colnodlon cyfrwu
Nid ¢)es rItyW brydam wnyf ac nkl wyf dod ar draws unrhyw
faterion eralll mtrwn perthynas a'r arCll+a0 y dylhj thn 8ylw atynt ar mvryn
slcrhau daalltwriaeth bricxlol o'r cyfrrfijn.
'Dllawrh y gelrfau mewn (ywfthu os nad)tyrtyn gymwy8.
Dyddlad:
- 92-202L
LInodWY.
Cymhwyst•r
(cymwtorau} n•u gorfl
proffmtynol perthna•ol
Cylelrfad:
Hi
A )YTr 6fltr 26H
IER
Hydref 2018
**Tabernacl Eglwys y Bedyddwyr Cyfrif Blynyddol 1 Ionawr - 31 Rhagfyr 2021**
|**Cyfrifon Derbyniadau a Taliadau**
2020
**DERBYNIADAU**
**Cyfraniadau a Rhoddion**
39197 Offrwm Wythnosol
20933 Dydd Rhoddion
17100 Rhoddion
**Adeilad**
1420
Gwelliannau
3925
Defnydd Adeilad
679
Boreau Coffi
2149
**Achosion da**
2086
**Cronfa'r Organ**
**Cronfa'r Piano**
**Incwm Penodol Arall**
3159
Paneli solar (FIT)
11227 Rhodd Cymorth
200
Cronfa Salem
**Incwm Amrywiol**
496
Cymdeithas Nos Fawrth
210
Te Prynhawn Sul
257
Incwm amrywiol
Ad-daliad treth
**Achosion Tramor**
14710 Lesotho/Noddi plant Lesotho
**Achosion Eraill**
465
Cynllun penblwydd BMS
74
Senana
182
Casgliad Cymun
980
Apeliadau arbennig
1336
Llôg o buddsoddiadau CCLA a'r banc
120785
**TALIADAU**
**Costau'r Weinidogaeth**
39853 Cydnabyddiaeth
Diffyg Pensiwn
3250
Treuliau
2600
Costau'r Mans
400
Pregethwyr achlysurol
**Gweinyddu**
1951
Llungopio a nwyddau swyddfa
784
Ffôn a Band Eang/Western Mail
2959
Aelodaeth yr Undeb a Chostau Banc
1145
Costau amrywiol
**Yr Adeilad**
3161
Cynnal a chadw
29705 Cyfarpar newydd
35187 Gwelliannau
4702
Nwy / Trydan/Dŵr
3216
Yswiriant
1856
Glanhau
**Piano**
**Lluniaeth / Gwin Cymun**
**Achosion Eraill**
1886
BMS
14293 Lesotho/Noddi Plant Lesotho
984
Achosion Da yr Eglwys
Apêl Timothy Richards
740
Cymorth Cristnogol
810
Hostel Huggard a Llamau
150
Felindre
Shelter Cymru
Maint Cymru
SANDS
90
Mudiad y Chwiorydd
149722
-28936 **Incwm / Gwariant NET**
47152 Mewn Llaw yn y banc(31/12/2020)
Trosglwyddiad o COIF/CCLA
18216
-1336
16880 Mewn Llaw yn y banc(31/12/2021)|Cronfeydd
Anghyfyngedig
Cronfeydd
Cyfyngedig
Cyfanswm
£
£
£
39830
39830
27285
27285
53935
53935
1585
1585
2155
2155
149
149
2281
2281
1925
1925
1615
1615
4406
4406
14328
14328
1222
1222
470
470
32051
32051
7311
7311
552
552
100
100
97
97
1468
1468
55
55|
|---|---|
||176249
16571
192820|
||3027
3027
4803
4803
270
270
216
216
2010
2010
1915
1915
1465
1465
2983
2983
4374
1313
5687
3667
3667
73
73
156329
156329
2940
2940
3313
3313
1440
1440
640
640
65
65
1995
1995
5753
5753
1034
1034
100
100
915
915
100
100
140
140
200
200
243
243
70
70|
||188890
12503
201393|
||-12641
4068
-8573
-12884
29764
16880
70000
70000|
||44475
33832
78307|
||(Llôg)-55
78252|
## **Tabernacl Eglwys y Bedyddwyr Cyfrifon Blynyddol 31 Rhagfyr 2021**
## **Dadansoddiad o Asedau Ariannol ar 31 Rhagfyr 2021**
**Cronfeydd Anghyfyngedig** Cronfa Cymunroddion £352,648 Cronfa Fugeiliol 57,042 Cronfeydd Cyffredinol 60,903 ------------ **£470,593 Cronfeydd Cyfyngedig** Cronfa’r organ £23,123 Cronfa’r piano 975 Cronfa Lesotho 2,375 Cronfa Te Prynhawn Sul 93 Cronfa’r Gymdeithas 566 Ysgoloriaeth Dewi Watkin Powell 2,345 Cronfa Salem 17,095 --------------- **£46,572** -------------- **Cyfanswm Asedau Ariannol ar 31 Rhagfyr 2021 £517,165** ---------------
Tabernacl, Eglwys y Bedyddwyr
Datganlad o asedau a rhwymedigaethau ariannol
31 Rhagfyr 2021
Cronfeydd ar 31 Rhagfyr 2020
Llai gwariant net ar gronfeydd anghyfyngedig
Incwm net ar gronfeydd cyfyngedig
£525,738
12,641
4,068
Sefyllfa ariannol ar 31 Rhagfyr 2021
£517,165
Cyfrif cyfredol Banc Co-operative
Cyfrif cynilo Banc Co-operative
£ 78.252
1,107
COIF/CCLA Cronfa Cymunroddion
COI F/CCLA Cronfa cyffredinol/or8an
COIF/CCLA Cronfa fugeiliol
352,648
28,116
57,042
Asedau Arlannolar 31 Rhagfyr 2021
£517,16S
Asedau eralll
Yn ddyledus - Rhodd Cymorth 2021
£12,924
Gwerth yswiriannol yr adeilad
Cynnwys yr adeilad
Mae adeilad yr eglwis o dan weithred cyfamod.
£4,642,443
£175,612
Amcangyfrif rhwymedigaeth i gynllun pensiwn y Bedyddwyr
(mewn achos gadael y cynllun)
£60,200
Trosglwyddwyd £70,000 o'r gronfa cyffredinol fel rhan o'r tsliad at
gwelliannau'r adeilad.
Paratowyd y cyfrifon Ban Gill Thomas a Helen Jones (Ysgrifenyddion ariannol)
Cymeradvrywyd y cyfrifon gan yrymddiriedolwyr ac arwyddwydar eu rhan gan
21
Catrin E Lloyd
Hyn sydd i gadamhau bod y cyfrifon yn rhoi golwg gwir a theg o sefyllfa ariannol
Tabernacl, Eglwys y Bedyddwyr ar 31 Rhagfyr 2021.
HUW ROBERTS F.C.M.A.
Cyfrifydd ac Ymarferydd Profiant Awdurdodedig
COMISIWN ELUSENNAU
AR GYFER CYMRU A LLOEGR
Adroddiad yr archwlliwr annlbynnol ar y
cyfrffon
Adran A
Adroddiad yr Archwiliwr Annibynnol
Adroddiad i
ymddlrfedolwyrlaelodau
)104
Ar y cylrllon am y
Ilwyddyn yn dlweddu
Rhlf yr Elu•en
(08 008)
2021
1144lPo
wld ar dudaletx)au
Adroddaf fr ynKJdlrknJoW ar fy ar(ar*lliad o gyfrifon yr dusen (?r
Ymddlido1a6th1 am y ftwyddyn yn diweddu
Cyfrlfoldeb•u a'r •all Fal YMddWd0lwyr yr Ymddirwdola8th. rytyth yn gyfrifol orn baratol'r
adrodd cyfrlfon yn unol a gofynkn D•Jdf ElusnaU 2011 Tr Dd8drfl.
Adroddaf parthYS a'm hwcP¢•AUad o gyfrlfon yr Ymddlrk8dolaoth a
Ihawyd o dan adran 145 0 Ddeddl 2011 ac wrth ymgymryd a'm
harthwlll•J, dtynai8 y Cyfamyddiadau cymwys a rodth¥yd gan y Comt8lwn
EIu8ennau o dan adran 145(5)(b) o'r Ddeddf.
Datganlad yr archwlllwr RW tfvedi th*blhau fy 8rdy118d. Cadamhaf nad yw unrhyw f8t8rl
annlbynnol porthna8d **di i'm (heblawr hyn a dd8tgellr isod '> mewn
perthyna8 a'r wthAliad tyn It1 achos i MS grodu, me*n Unrh agw
berthnasd:
ni chafodd CQfr10n cyfflfyddu •u ca(Pw yn und ag adran 130 o'r
nid Gyfrlkn yn cydymfvrfio a'r colnodlon cyfrwu
Nid ¢)es rItyW brydam wnyf ac nkl wyf dod ar draws unrhyw
faterion eralll mtrwn perthynas a'r arCll+a0 y dylhj thn 8ylw atynt ar mvryn
slcrhau daalltwriaeth bricxlol o'r cyfrrfijn.
'Dllawrh y gelrfau mewn (ywfthu os nad)tyrtyn gymwy8.
Dyddlad:
- 92-202L
LInodWY.
Cymhwyst•r
(cymwtorau} n•u gorfl
proffmtynol perthna•ol
Cylelrfad:
Hi
A )YTr 6fltr 26H
IER
Hydref 2018