## Tabernacl Eglwys y Bedyddwyr Annual Report 2023 Tabernacl Eglwys y Bedyddwyr is a Grade II* listed City Centre Church. Services are conducted in the Welsh language. The governing body which meets once a month consists of the minister, 2 joint secretaries, treasurer, 2 financial secretaries and 10 other trustees. The year started with 151 members. There were 7 deaths during the year and 4 others transferred their membership to churches closer to their homes. 1 person was baptised thus ending the year with a membership of 141. 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 very welcome. We welcome many foreign visitors from all parts of the world who drop in and worship with us while in the city on vacation or on business. The Church is a member of Cytun (churches together). This group includes the Church in Wales, Roman Catholics and other Nonconformist churches in the city. This gives us the opportunity, not only to hold interdenominational services, but also to meet socially to discuss and exchange ideas and to learn more about different faiths. Sunday services are held in the morning and evening with Sunday School held after the morning service. On the first Sunday of the month a session of contemplative prayer takes place before the morning service and similarly after the evening service on the third Sunday of the month. On Thursday we have a time of prayer to pray for the mission of the church followed by a midweek service. Sunday services are transmitted on Facebook enabling those members unable to attend in person to join in the worship. Members are visited regularly, especially those who are unable to attend for whatever reason. Holy Communion can be celebrated in their homes if they so wish. Our Sisterhood meetings on Tuesday have benefitted from the inclusion of the gentlemen of the church and is now known as’ Cymdeithas am DDau’. Not only has this boosted the numbers present but we have been able to enjoy their input and company.On Tuesday evenings we have a more social evening open to anybody who wishes to attend. In each case there will be an invited speaker, with a time of worship at the beginning and end. The church is used frequently for other events and purposes. It is used regularly by Hijinx(a group of less able youngsters) for their Youth Club and U3A for their dancing group. Street Pastors use the church as their base on Friday and Saturday evenings. Unfortunately the majority of our members are ageing and don’t feel safe to volunteer on the streets late at night but we are fully supportive of the good work they do in keeping people safe. The city centre location makes the church an ideal venue for concerts and performances of all kinds, and many choirs and organisations have made use of the building during the year. At the end of 2022 we opened our vestry as a warm space for the homeless or those that wanted company or warmth. This venture has gone from strength to strength and since the beginning of 2023 we have been providing hot meals, fresh fruit and cakes for up to 70 people on a Wednesday and Sunday lunchtime. On a Saturday morning we are open for coffee/tea, sandwiches and cake. These times enable our visitors to sit and chat, have a free meal, take part in activities, or just sit and relax. They can also avail themselves of any clothes donated by our volunteers who turn in to prepare and serve. During February/March we had a special appeal for donations to finance this venture. At that time the Cooperative bank matched each contribution of £250 or less, enabling us to double the amount raised within the church Every alternate month we have an organ recital at the church which is open to the public. As a church we are twinned with Sefika Church in Maseru, Lesotho. Through this we have developed a strong friendship with different organisations in Maseru. A donation is sent yearly to support the work of these organisations. We see this work as an opportunity to demonstrate the love of God in other parts of the world less fortunate than ourselves. We have also shown our support with donations to Christian Aid, Morocco/Libya appeal, Turkey/Syria Appeal, BMS, PAPYRUS, Bible Society and other local charities. Contributions for good causes have remained good despite the rise in the cost of living. After much discussion and many different investigations it was decided that we would replace our 30 year old boiler with another gas boiler at a cost of £43,000. The boiler was installed towards the end of 2023 but work was not completed until the first part of 2024. This meant that there was no big expenditure on the church fabric during 2023. This will mean higher costs in 2024 as we now need to replace the roofing on the South side of the building. Tabernacl is an old building requiring constant remedial work. 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. We continue to hope that members will be as generous in their giving as always, so that we can make the building a better place for worshipping. ## Financial Review Total receipts on unrestricted funds were £103,000 while restricted funds of £23,000 were received. Both figures are detailed in the financial statement. Most of the income was from individual donations, either in the weekly offering or one-off gifts to the church. Fund raising and hiring out of the premises has brought in extra income. Gift Aid generates a welcome sum and all members are encouraged to participate in this scheme. Interest rates were considerably higher this year providing a good return on our investments. Despite the increases in the cost of living, funds collected for various charities and appeals has remained on a par with previous years and for this we are very grateful. Ministerial costs amounted to £22,700 which includes stipend, tax, pension and expenses. ## We have 3 reserve funds Cronfa Fugeiliol – a fund set up by the deacons many years ago to ensure that there would be money available to pay the minister if weekly offerings did not meet the needs. Cronfa Cymunroddion – this is made up of bequests to the church. This money has been set aside to pay for ministerial accommodation if the need arises. Cronfa Cyffredinol/Gwelliannau – this is money built up over time when the membership was higher and weekly giving was greater. Withdrawals are made from this fund for general maintenance and improvements. However, we have not needed to make any withdrawals from this fund during 2023. 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. Approved by the deacons on 18[th] July 2024 and signed on their behalf by Euros Rhys Evans ## **Tabernacl Eglwys y Bedyddwyr Cyfrif Cyffredinol yr Eglwys am y Flwyddyn yn diweddu Rhagfyr 31, 2023** |2022
**Cyfrifon Derbyniadau a Taliadau**
**DERBYNIADAU**
**Cyfraniadau a Rhoddion**
43029Offrwm Wythnosol
53935Rhoddion
30Trosglwyddiad cyfrif yr Ysgol Sul
1732Gwelliannau
3620Defnydd Adeilad
407Boreau Coffi
2247Achosion da
1627Y Ganolfan Glyd
1667Cronfa'r Organ
590Cronfa'r piano
4865Paneli solar (FIT)
12809Rhodd Cymorth
1101Cymdeithas
935.00Arolygon
200.00Te Prynhawn Sul
62Llyfrau/Blodau/Cardiau/Amrywiol
1167Ad‐daliadau /Grantiau
Undeb
4628Lesotho/Noddi plentyn Lesotho
715Cynllun penblwydd BMS
304Casgliad Cymun
8540Apeliadau arbennig
4271Llôg o buddsoddiadau CCLA
94531
**TALIADAU**
4823Cydnabyddiaeth
697.00Treth a NI
3928Pensiwn
1042Treuliau
2210Pregethwyr achlysurol
3692Llungopio a nwyddau swyddfa
990Ffôn a Band Eang/ Western Mail
2869Aelodaeth yr Undeb a chostau'r Banc
4286Costau amrywiol
Y Ganolfan Glyd
Undeb
18001Cynnal a chadw
1600Gwelliannau
1284Cyfarpar newydd
3273Nwy / Trydan/ Dŵr
3519Yswiriant
1944Glanhau
Cronfa Salem
750Piano
62.00Lluniaeth / Gwin Cymun
2015BMS
1527Lesotho/Noddi plentyn Lesotho
990Achosion Da yr Eglwys
PAPYRUS
805Cymorth Cristnogol/Twrci&Syria/Libya
546Mudiad y Chwiorydd
160Operation Agri
5949Wcrain
900Pacistan
Y Groes Goch Brydeinig ‐ Morocco
Croeso Butetown
67863
30939**Incwm / Gwariant NET**
78252Mewn Llaw yn y banc(31/12/2022)
1107Trosglwyddo cyfrif cynilo
110298Mewn Llaw yn y banc(31/12/2023)
Llôg 4271|Cronfeydd
Anghyfyngedig
Cronfeydd
Cyfyngedig
Cyfanswm
£
£
£
41233
41233
10450
10450
30
30
1262
1262
3440
3440
140
152
292
2096
2096
9644
9644
1878
1878
110
110
4447
4447
12974
12974
2270
2270
665
665
70
25
95
4951
4951
5127
5127
1977
1977
455
455
532
532
3345
3345
19374
19374| |---|---| ||103498
23149
126647| ||15605
15605
1790
1790
3537
3537
1768
1768
2790
2790
2014
2014
1162
1162
3003
3003
3050
2122
5172
5888
5888
4170
4170
9955
9955
7780
7780
2489
2489
4790
4790
3654
3654
1836
1836
1294
1294
187
187
2203
2203
6882
6882
1142
1142
409
1091
1500
1048
1628
2676
97
103
200
538
462
1000
25
25| ||71672
22840
94512| ||31826
309
32135
64972
41055
106027| ||96798
41364
138162| ||Llôg 19374| ## **Tabernacl Eglwys y Bedyddwyr Cyfrifon Blynyddol 31 Rhagfyr 2023** ## **Dadansoddiad o Asedau Ariannol ar 31 Rhagfyr 2023** |**Cronfeydd Anghyfyngedig**||| |---|---|---| |Cronfa Cymunroddion|£371,695|| |Cronfa Fugeiliol|60,122|| |Cronfeydd Cyffredinol|94,467|| |||£526,284| |**Cronfeydd Cyfyngedig**||| |Cronfa’r organ|£26,668|| |Cronfa’r piano|925|| |Cronfa Lesotho|571|| |Cronfa’r Gymdeithas|691|| |Ysgoloriaeth Dewi Watkin Powell|2,345|| |Cronfa Salem|15,801|| |Arolygon|1,134|| |Ganolfan Glyd|5,580|| |Wcrain|241|| |||£53,956| **Cyfanswm asedau ariannol ar 31 Rhagfyr 2023** **£580,240** Tabernacl. Eglwys y Bedyddwyr Datganiad o asedau a rhwymedigaethau ariannol 31 Rhagfyr 2023 Cronfeydd ar 31 Rhagfyr 2022 Incwm net ar gronfeydd anghyfyngedig Incwm net ar gronfeydd cyfyngedig £548.105 31,826 309 Sefyllfa ariannol ar 31 Rhagfyr 2023 £580.240 Cyfrif cyfredol Banc Co-operative COIF/CCLA Cronfa Cymunroddion £118,788 371,695 COIF/CCLA Cronfa Cyffredinol/organ COIF/CCLA Cronfa Fugeiliol 29,635 60,122 Asedau ariannolar 31 Rhagfyr 2023 £580,240 Asedau eraill Yn ddyledus - Rhodd Cymorth 2023 £11,500 Gwerth yswiriannol yr adeilad Cynnwis yr adeilad Mae adeilad yr eglwys o dan weithred cyfamod. £5,473,496 £207,049 AmcangyFrif rhwymedigaeth i gynllun pensiwn y Bedyddwir (mewn achos gadael y cynllun) £14,400 Paratowyd y cyfrifon gan Gill Thomas a Helen Jones (Ysgrifenyddion ariannol) Cymeradwywyd y cyfrifon gan yrymddiriedolwyr ac arwyddwyd ar eu rhan gan Catrin Lloyd Hyn sydd i gadarnhau bod y cyfrifon yn rhoi golwg gwir a theg o sefyllfa ariannol Tabernacl, Eglwys y Bedyddwyr ar 31 Rhagfyr 2023 HUW ROBERTS F.C.M.A. Cyfrifydd ac Ymarferydd Profiant Awdurdodedig COMISIWN ELUSENNAU AR GYFER CYMRU A LLOEGR Adroddiad yr archwiliwr annibynnol ar y cyfrifon Adran A Adroddiad yr Archwiliwr Annibynnol Adroddiad I ymddirledolwyrlaelodau >L4)4 Ar y cyfrlfon am y flwyddyn yn diweddu Rhlf yr Elusen oes) 1623 Ilqkggo Ilv gweld ar dudalennau Adroddaf I r ymddTri&JoMyr ar fy arcMMliad o gyfrrfon yr elusen uchod Cyr Ymddiriedolaeth,) am y ￿dyn yn diweddu Cylrifoldebau a'r sall Fel yrnddiri8doW elusen ￿ yrnddlri￿lo1aeth. yn gyfrifol am barat￿ r adnxld ￿ftIfon yn unol a gofynion Deddf Eluwnau 2011 Tr Ddeddv). Adroddal mvwn p&1hynas a'm harchwilia(l o gyfrifon yr Ymddirtedolaeth a g**)Ihawyd o dan adran 145 o Ddeddf 2011 ac wrth ymgymryd a'm harchwiliad, dilynais y CyfarwyddTradau cymwys a T￿l￿mYd gan y Comisr4 Elusennau o dan adran 145(5)(b) o'r Ddeddf. Datganiad yr archwlliwr Rwyf Lwblhau fy ardNiliad. Cadamhaf nad yw unrhyw fateri¢)n annibynnol Ferthnasol V•Edi dod i'm sylw (heblaWr hyn a ddatgelir isod ") mewn perthy1￿ a'r ardMili&J sVn rh)i achos i mi gr&Ju, mewn unrhyw agwedd berthnasol.. ni chafodd ccrfn(xllon Gyfrifyddu eu cadw yn UF￿1 ag adran 130 o'r nid ywr CYfrrf￿ yn crfdymffurfio a'r Lthodion cyfrifyddu Nid oes unrhyw Weron gennyf ac nid wyf wedi dod ar dr*ws unthy4V faterion eraill mewn peTthynas a'r archw111￿1 y tyid sylw atynt er mwyn sithau deaj￿riaeth briLKlol o'r Gyfrifon. "Dgèwch y geiri mewn onxnfthau os nadydynt gymwy& dlad: Llofnijdwyd: 21- 02-202< Enw. 066Rf I Cymhwyster (cymwysterau) neu gorff proffesiynol perthna501 (os oeg): Cyleiriad: LR&3A koAI 14Hif (A¥A) 3 Lfil￿ 2£H IER Hydref 2018