2022-12-31-accounts - Orchard Baptist Church, Colchester

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Trustees’ Annual Report for the period

From Period 02-12-21 To Period end date 02-12-22

Charity name: Orchard Baptist Church, Colchester Address: 23 Blackheath, Mersea Road, Colchester, Essex. CO2 0AE

A Charitable Incorporated Organisation. Charity registration number: 1196891

Our Governance

We have adopted a constitution which falls within the permitted variations of the approved governing document for Baptist Churches. Briefly stated:

Membership of the Church is open to those who have professed faith in Jesus Christ and wish to become members, and who, by applying for membership have indicated acceptance of the Beliefs, a willingness to participate in the activities, have indicated their agreement to become a member and acceptance of the duty of members. Each member shall have one vote which they may use at a Church Members’ Meeting after hearing about the issues and any comments or questions raised by other members in advance of the vote. For matters requiring a formal decision or resolution a vote shall be taken and the outcome of the vote recorded as the resolution of the Members. The Church Members’ Meeting shall appoint Charity Trustees, including a Church Secretary (or equivalent) and a Church Treasurer (or equivalent) to be responsible for the governance of the Church and where there is a Minister that person is also a Charity Trustee because of their role and responsibilities. Subject to any specific or general directions of the Church Members’ Meeting and the provisions of this constitution the Charity Trustees shall take responsibility for the control management and administration of the Church save that the Charity Trustees are not required to do anything that would cause them to be in breach of this constitution or any trustee duty placed upon them as a result of this role.

Objectives and Activities

The principal purposes of the church are:-

3.1.1 The advancement of the Christian faith according to the principles of the Baptist denomination. 3.1.2 The church may also advance education and carry out other charitable purposes in the United Kingdom and/or other parts of the world.

As a member of the Baptist Union the Church subscribes to the Baptist Union’s Declaration of Principle.

In fulfilling the Purpose the Church will engage in a range of activities either on its own or with others that will vary from time to time with activities being initiated, expanded, or closed, as appropriate. The activities may include but are not restricted to:

Regular public worship, prayer, Bible study, preaching and teaching;
Baptism, as defined in the Baptist Union’s Declaration of Principle;
The Communion of the Lord’s Supper which shall normally be observed at least once a month;
Evangelism and mission, locally, regionally, nationally and internationally;
The teaching, encouragement, welcome and inclusion of young people;
Nurture and growth of Christian disciples;
Education and training for Christian and community service;
Giving and encouraging pastoral care;
Supporting and encouraging charitable social action in the United Kingdom and abroad;
Encouraging relationships with and supporting Baptists and other Christians.

Public Benefit

All Charity Trustees have established due regard to the guidance issued by the Charity Commission on public benefit. We believe that hospitality is at the heart of all that we do to fulfil our charitable aims for those in our community. Together we advance religion by offering:

Regular public worship , (including prayer, Bible study, preaching and teaching);

We have offered weekly Sunday Services throughout the year which include a monthly celebration of the Lord’s Supper and the promotion of baptism as a personal commitment to Christ. This year our overall theme has been ‘Love’. Our services and our events have been designed to bring this theme to our own faith community and those who seek to know more about God as revealed in the Bible. These are offered to those attending in person and those listening to our sermons online. Services have continued to offer prayer, contemplation, testimony, and communion, and all normal Christian festivals have been marked. More specifically, we have focused on the themes of ‘And Jesus Met…’; ‘David’s Life’; ‘Church’; ‘The Prophet Daniel’ and ‘Bible Heroes’.

Prayer Meetings

Monthly Prayer meetings continue in support of all those within the church, for our activities and for local community needs and this attracts good attendance. Ecumenical prayer continues weekly online for local needs and outside agencies/ issues/ people who come to our attention.

Weekly Homegroups

These meetings aim to deepen our Christian faith, grow discipleship and encourage fellowship and approximately half our membership attends them. Our Tuesday Discoverers’ Group has studied ‘Prayer’, ‘Psalms’; and ‘James’. Wednesday Homegroups have studied together following Sunday Service themes, Esther, EBA Lent course, and ‘The Tabernacle’.

Sunday School /All Age Worship

We are currently offering two groups for those aged 5-11yrs, who are our ‘Followers’, and those aged between 12 – 16yrs which is our ‘CY’ group. This teaching, encouragement, welcome and inclusion of young people is offered 3 or 4 Sundays each month, supplemented by our All-age worship (including Café Church and craft based worship) together at once or twice a month.

Outreach

At Leadership and at our Outreach meeting we have agreed that we want:

To serve all ages
To discern activity together, not individually
To use the wide range of talents in our church
To acknowledge the context of people’s lives
To work within the budget set
To work strategically across the year

Our Little Pips Toddler group meets in our church building and creates pastoral and missional opportunities with young families. This has served approximately 40-60 different families each week during term time over the past year, and we have seen a real improvement in the social skills of children born during the pandemic and their families.

We have held bi-monthly Film events and Family Fun Mornings, and held 4 themed craft events around the Christian and School Calendar on Christmas, the Love of God, the Light of Christ and the Presence of the Son of God. We represent the Christian community in our area at several local events to raise our profile and meet our charitable aims in Colchester. We encourage the older children who are associated with our church to create and help at these events as a means of discipleship.

We have extended links with our local community by holding weekly Table Tennis Club and Needlework, Knitting and Crochet Group (these each reached 12 people).

The occasional use of community greenspace venues has helped us to provide better visibility to increase our links within our local community as a mean to share the Christian faith.

We have also run a Christians Against Poverty ‘Lifeskills’ course which was attended by 10 people. This looks at practical day to day management of finances, household organisation and relationships, according to Biblical principles.

Our work within schools provides Christian input for their curriculum in Assemblies and in distribution of childfriendly Advent and Christmas resources.

Officiation at funerals / memorial services

These are offered for those who know our church through our outreach activity as well as past and present congregation. The appointment of a minister has made this easier.

Volunteering

Aside from its two employees (Our Minister and a person who cleans the church), the charity relies on volunteers to further its aims.

Funding

A financial report is attached with this report.

The organisation is mainly funded through voluntary giving, and reclaim of taxpayer’s money through gift aid. The reserves policy of Orchard Baptist Church Colchester is to hold six months of all expenditure including manse repayments 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 £33243, compared to £59473 in free cash reserves held at the year-end. The trustees have budgeted to run a deficit in the coming year to which may reduce the free cash but still meet the policy. This policy will be reviewed annually.

Social Investment Policy

Our policy/pattern is a ‘ladder’ approach. First, we will ask members for loans and gifts, then the Baptist family before looking outside and lastly considering Social investment funds or commercial loans only as necessary.

Tithes /Grant-making

Local, national and international missionary / home mission support complete our outreach and education activity. We currently make grants to linked missionaries in BMS, HMF, Wycliffe Bible Translators, New Growth Ministries, and Christian Youth Outreach in Colchester, all of which advance the Christian faith. Our current policy is to give 12% of our giving, tax reclaim and other income to external agencies in sympathy with our aims in the form of grants. The amount of these grants is subject to annual scrutiny and review by church members.

Our Buildings

The local church building has regular lettings to the following groups:

Age-Well Colchester Dementia Club
Singing for the Brain
Harmonic Voices
Different Strokes Group
Presbyterian Church of Ghana
Colchester Speaker’s Club

and has continued to let premises to private individuals.

Hall bookings have also been reviewed regarding local price equivalence. We now have a pricing structure with differentiated rates charged for Charities, Business and Private hire to ensure affordability within our wider community and financial prudence.

Our premises review has included a review of all equipment stored within the building. This has permitted relocation of our older ‘CY’ Sunday School group to the rear classroom, and refurbishment of our front room to ensure premises are multi-functional and are capable of being used by more than one group at the same time. This has allowed our smaller church groups to run alongside our hall lettings and increased outreach capability.

The ongoing repairs to our fabric are managed largely ‘in house’ by professional builders and decorators within the congregation.

Use of Technology

Christian educational materials are delivered using electronic resources via our services, our newly redesigned church website, Facebook, emails, etc., carefully signposting our members to other Christian materials, leaflets and books with a view to individual and local context which align with our overall aims. These come from partner organisations such as Baptists Together, EBA, or Churches Together in England, LICC, BMS etc. Our educational work in and local activity has been supported with the relocation and development of our church website and our ongoing review of the technology available within the church.

Our Policies and Procedures

We have policies regarding GDPR, Data Retention, Safeguarding, Hall Hire, Food Hygiene. We have adopted the BU ‘Help I’m a Charity Trustee’ BUGB Charity Trustee Handbook, Treasurers, Church Secretary and Resource Guidelines. ‘Baptist’s Together’ guidance and information is circulated and timetabled for ongoing review with due regard for the legal implications and is adapted where possible, according to local context across the calendar year.

Table 1. The Purpose of our Activities

	Regular public worship, prayer, Bible study, preaching and teaching	Baptism	Lords Supper	Evangelism and mission	teaching, encouragement, welcome and inclusion of young	Nurture and growth of Christian disciples	Education and training for Christian and community service	pastoral care	charitable social action	Encouraging relationships
Weekly Sunday Services	√		√	√	√	√	√	√		√
Weekly Refreshments & Fellowship					√	√		√		√
Baptismal education with inquirers and in small groups		√
Sunday School ‘Followers’ and ‘CY’groups	√				√	√	√	√		√
Weekly Term- Time Homegroups	√			√		√	√	√		√
Funeral and Memorial Services	√			√		√		√		√
Grant-making to local, national and international mission				√	√	√	√	√	√	√
Weekly Online Ecumenical Prayer	√			√		√		√		√
Family Fun Days				√	√		√		√	√

with Local Groups
Family Fun Days at Church			√	√		√		√	√
Little Pips Toddlers Group			√	√			√	√	√
Film Evenings			√	√	√		√	√	√
Weekly Table Tennis, Crochet Groups			√		√		√		√
Christians Against Poverty Lifeskills Course			√		√		√	√	√
Local Schools Work			√	√	√	√			√
Development of Church Website, Use of Social Media and Technology	√		√		√	√			√
Review of church building usage/ Ongoing repairs/ Regular Lettings	√	√	√	√	√	√	√	√	√

Reference and Administrative details

Charity name	Orchard Baptist Church, Colchester
Other name the charity uses	None
Registered charity number	1196891
Charity’s principal address	23 Blackheath, Mersea Road, Colchester, Essex. CO2 0AE

Names of the charity trustees who manage the charity

Trustee name	Office (if any)	Dates acted if not for whole year
Kathryn Rose Young	Minister	1.12.2021 topresent
Linda JoyPaterson	Church Secretary	1.12.2021 topresent
Brian Derek Paterson	Treasurer	1.12.2021 topresent
HilarySonia Hannan		1.12.2021 topresent
Adrian John Cuthbert		1.12.2021 topresent
Richard Giles Martin Bolam		1.12.2021 to present
Janice Kaye Cross		1.12.21-30.3.2022
Julie Elisabeth Bolam		30.3.2022-present
Paul Bocking		30.3.2022-present
David Andrew Ball		30.3.2022-present

Declarations

The trustees declare that they have approved the trustees’ report above.

Signed on behalf of the charity’s trustees

Signature(s) Full name(s) Kathryn Rose Young Position (eg Secretary, Chair, Chair etc) Date 21-04-2023

Orchard Baptist Church Colchester CIO Accounts 111212021 to 3111212022 Orch rd Ba tist Church Colches rCIOR istered Chari 1196891 notes 1 Financol Statement fr)r the perDJ 1112r21 to 31112122 prevKbUS riC cio Ju1C 2022 uio Jan- Jun General Fund R8COiFts & Pa9ntA¢¢rt1 ReGgipts Offering Inujme Tax recovered en grftS Interesi on bank aruntS FIT from Solar Pane Rent of pr6Yn Family event donatsons Other IneomÈ Total Reeeipls 20612 7747 528 182 452 2161 3632 437 23844 35035 Jul£ Payments Total Personnel 8 Ministry Ce4ts Total Local Mission Wider Mission Giviry to Others Running Cost5 for PfemL8es Administration Tolal (Paymenislbudgeti 16615 153 2745 5158 1424 26094 18394 353 2745 3858 1903 272Y sUlUs I (- Defiati Transfer from General Fund Balances brought forward 1 Juty Bakqnces to be carried forward 31 Dec 8941 1710 52242 59473 -3410 2177 57830 52242 Giving to Othèr CauÈs via Genwal bk accounl Receipts Total Receipts 439 Payments Total Payments thi$ year Payments from previous Tolal payTnents 341 87 429 60 SuTplu$ l {- Deficit) Total of Balances brought fowaftt l Juty Balan¢e$ to be cartEd forwaid 31 435 435 2022 Account OBCC CIO Page1of5 Prinled on 2410312023

Orchard Baptist Church Colchostor CIO Accounts 111212021 to 3111212022 Building Fund R8ceipts & Paym¢nlAccounl 2022 2022 Jan- Receipts Ofterin95 In<yJme Tax recove on gffts Interest ov bank aecounts 533 271 To131 Receipts 3127 533 Payments Loan Interest 722 552 Loan repayrnent5 rolal payments 2250 4817 2802 Surplu5 1 (- Defiotl -2269 Transfers io Buikling Fund Balances brought foiwaTd l July Balances lo be carrd fovard 31 Oec 1710 497 517 2177 $89 497 STATEMENT OF ASSETS AND LIABIUnES AT 31 DÉC 2022 ASSETS Gonoral Fund Recolpts & Payment Account Petty Cash Ctsop rja Co-op dewsit CIO Coop bank account CIO Coop Deposit account Baptist Union Deposrt atrount Building Fund Account Assets Barclays bank account B¥r¢lay$ 8PAJlnstani access account CIO Coop bank acwunt CIO Coop Deposrt account Assets held lor the Church's own u88 Total Asset5 3111212022 JW0612022 2294 111 46134 411 497 517 1542088 1603722 1402351 1457238 Current Liabilrt8 Long Tem Loans Bapts'st Pension Scheme Liabilty Funds held in bank attount lor groups Balance5 to be (rrEd f(xward 31 DÈC Totsl LiabilitEs 852 24807 1495 28902 347 218 435 40850 26452 The accounts and statement of assets and liabilitEs set out on pages 1 10 4 relatiThJ to ihe w months endir¥J 31st Decemter 2022 are as arrf)rovwJ tsy tt Leaders Signed 2022 Account OBCC CIO Page2of5 Printed on 2410312023

Orchard Baptist Church Colchester CIO Accounts 111212021 to 3111212022 Notes to the accounts 1 Basts ef accounts'.- T1 accounts have prepared on a'recewts aTMJ payrnents, t)asE and a¢(xyl Sewn$ 145 & 152 of Part 8 of the charrtsAcI 2011. These fyurES ZR rounded off to neat8st £. The CIO was Tegisterert the CharrtS COrnMk10n on 1st Decemte¥ 2021 but not begin to cperale separalety until after 30th June 2022 when the Unirwratsd organatron was c6•Y and the assets and I.4rtK5 transferred to the CIO on 1st Juty 2022. The period reported for here i8 for CIO Irom 11f2f2t to 31112r22 The fyU$ for Jary- Jun a for Jmpaiison purposes are the UnuKgyrporated organal and are foTthe puwes of dallty of baLqnc88 carrvj lorward5. 2 Petsonnel & Ministry Cosls Min15teF'S Stipend Ernployerf5 penSn con1nbul1ns Employerfs NatK)nal Insuranc Minislei's Expenses Min55leT'5 NAM & CMD Irainir¥J VisiliTrJ Speakers expenses et¢ Manse Ctsun¢il Tax Manse Water JU10C 12613 1969 12375 3436 449 405 120 335 924 228 253 1747 t85 Manse Insurance Pasioral Care FuThJ Olher Ministry Total Petsonnèl & Ministry Costs 535 35 15615 18394 3 Local Mission Ewaryelistr Ewents Friends In18MatJnaI Sunday sd1+ Training & Study worsh & Technob3y Catering Mi$sion Conferen5 Otr Loe21 Mission Total Local Mission 20 245 81 75 153 353 4 Witter MisSn Gwing lo Others B.U G.B Howe Mission Baptist MiSsnary So¢ Chnstian Youth Outreach R W (hven 8 S J (J¥en New Growth Ministros M & D Spen¢er Chnslma5 Gifts Reserrfe Toial Wider MBsion Givin 48S 646 807 323 to Others 2745 2745 5 Running Costs for premtses E¢tty G8S Water CanerS. Wages canIng Mat6nals & Bin hira Insurance Repairs 8 maIntenaTr Churth Repairs & Mainlenanee Manse other Fabnc 282 1145 231 1145 449 325 315 105 1255 1882 512 Total Running C05t5 fer premLses 5158 3858 2022 Account OBCC CIO Pageoof5 Printed on 2410312023

Orchard Baptist Church Colchester CIO Accounts 111212021 to 3111212022 S Adminisiraiion Comms Admin & printing CIO eosls Publityty Subscriptions IBU. E8AI Other Administration Total Adm1nistrabon 758 570 250 1536 22 1424 1903 7 Gwing to Cxher Causes vkg the Gereral FuThl bank 8ccount Re¢eipts 811S Nepal GOVID apr1 Tear Fund Chnstkqns Against Peverty Colchester Fo(x18ank Ds2Sters Emeigency Comrnrttee Ukrainian Refugee supN)rt Brls He3rt Fundalion Total Receipts Jul-D8C Jan. Jun 150 439 8 Givin to Other Causos Via tho General Fund bank aceount Payments BMS Nepal COVID appeal Tear Fund Chflslians Against Poverty Colthèstef Food Bank Dtsaslers Emergenty Committee Ukrain Refugee support British Heart Fundaiion Total P8yrnÈnts thi$ yéar fjo 102 60 9 GivTrn to Oth&r Causgs vi• thè Genwal Fund bank accouni Paymonts From Pfevlous Extra Gift Cchester Fotyj Bank F8mily Events Mission5 Reserve Payments from previou5 gifts 87 87 10 Balances of preVS Grfts ReceweA Ibmuohtft)rvJrdl Colchesier Food Bank Family Events Missions Reser¥e Tolal of Balances brought forward 1 Ju 405 19 511 19 541 Al 111122 the Unincorporated Church had accounts wrth the CooperalNe Bank W.ich *re $ubxqntfy dosed duriryj the year after the CIO was up and runniThJ. At 111r22 the Unincorporated Churth had 8ccount5 Wrth B2rdays Bank subsequentty dosed durir¥J the year after the CIO up and nJnniNJ 2022 Account OBCC CIO Page4of5 Printed on 2410312023

Orchard Baptist Church Colchester CIO Accounts 111212021 to 3111212022 13 Assets heky for the Church's use The Church LS the benthal Isufy'eGI to Ihe k¥atrus1s} ofthe fOUTr3 a55ets. the kgal titk to %¥hth 6 held by the church's cusl(NJn twslee. the Bapti51 VnKJn Corporab"¢)n Lwnrt¢d. TW arts stated at in8ur&J values. Freehold Ghurch prernises at 23 BlaCklh. Mer8ea Road 1141071 1014285 The thurth abo ¢ywn$ corrtents with an irtsured valu8 01 66912 s31 100% of Freehdd church m8n8e a16 AdeLqJe Dri, Cokhester Total 334105 112088 334105 1402351 14 Cufrent LiabileS Cheque5 written but not c35W Other Current Liabilrties 852 1495 852 1495 15 UABILMES lon torm loa 3111212022 3010612022 Bulldlng Fund Loans outstsndlng Baptsst Union Loan Fund Total Long- lerrn LiabililEs 31 Dec 24807 24807 28902 28902 16 8aptlSl Pension Sctme Liability The Church is a parnupatirwj empksyer Ihe Baptssi Pension Scheme fftSckn.bl. k5 a separate entty adminkstered by the PensionTwslee IBaptst Pension Trust Limrtedl. The assets of the StheTne are hekl separaiely from Ihose of the Empknyer arKI the otrr parnopating emph)yers.The Scheme. previousty known 85 the 8aplisl Min1s1ers' Pension Fund. startedin 1925. butwas closeLI to firture ac(Jual of defined berefrts on 31 De¢ember2011. PrK>i10 this uate main berfit provA1ed through Defird Plan was a rension of one eightlh of final minimum pensionab income fof each ar ef Eensmab seThi together wrth dilion81 pens In respect of piemiums paKI on Penwnable Inc(xne In ex(xS5 of Minwnum Pensionabk Income sin 1 January 2012. benefits have been provKJed through a Oefined Conlributson IOC) Plan A fornial valuatK)n of the DB Plan as at 31 December 2019 by a professionally qua5ifEd Actuary u51ng the Projetted Unit Method Al the V8lualion dale the market value of the DB Plan asset5 Was £298 million. fiilst the Ve1 of assets needed to pay benefits was £316m. giviw a def of £18rnlequi¥alent to a P2St ser¥Kt funding kyel of94°hl. The ChurGh and the other parbwaling empknyers In the DB Plai a collettiyety re5wll$ib foi fundirvj this deficit The next 8duan81 valuation ofthe De PLin wrthinthe Schwne due 10 take p¢ not later than as at 31 Decembef 2022. On 3(th Jvne 2022 the Baptkst Pens¥)n scme an reemeTrt th th8 ¥isuran( company Just Group I"Just-I to secure DB Plan rrrnbe' pensKn benefits Just are TrElW pro¥Ing finanoal backing for all pensions prOVed through the Scheme's 00 Plan aTrJ folkmng th15 tranSart. the Stheme no lonser has a shortfall. An urM1ated Recovery plan was then sned in Auyusl 2022 under whth recovery contributKin5 from eaol partiC4patrng ernployer in the DB Pkn reduced l? £1 month ftom August 2022. 17 Fund51Float hekl in bank account for groups 31112120 3010612 Litt Pipsrrojdlers Thutsday FÈll(Mship OTchard Café Float for equipment Total Fun(5s hehj -23 241 347 241 218 Gifts fjot yet forwarded 10 3nother tharty or used by the Churth 11 be sent early in 2023 or used during events In 2023 18 2022 Account OBCC CIO Page5of5 Printed on 2410312023

Independent Examiner's Report lo the Trusttts of Orchard Baptist Church Colchester, CIO Registered Charity 1196891 On the accounts for the six months ended December 31. 2022. Respective responsibilities of Trustees and Examiner The Church's Trustees are rest)onstble for the preparation of the accounts. The church's trusl¢¢s consider that an audit is not required for this six month period under section 144 of the Charities Aci 2011 (the Charities Act) and that an indeDendent ¢xaminalion is needed It is my responsibility to: examine the accounts under section 145 of the Charities Act to tollow the procedures laid in the general Directions given by the Charity Commission under section 145 (5) (b) of the Charlties ACL and lo state whether particular matters have come to mv atteniion. Basis of independent examiner's statement My exaTnination was carried out in accordance with the general Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the church and a comparison of the accounts presented wth those records. It also include5 considerdtion of an? unusual items or disclosures in the accounts. and seeking explanations from the trusiees concerning any such matters. The procedure5 undertaken do not provide all the eviden¢¢ that V¥ould be required in an audit, and consequently no opinion is given as to whether the accounts present a'true and fair view" and the report is limited to those matters set out in the slaten]ent below. Independent examiner's stslement In connection with my examination, no material matters have come to my attention which gives me cause to believe that in, any material respect: accounting records were not kept in accordance '1th section 130 of th¢ Charities Act or the accounts do not accord 7th the accounting records the accounts do not comply with the applicable requirements concerning th¢ fonn and content of accounts sel out in the Charities (Accounts and R¢ports) Regulations 2008. I have come across no other matters in connection with the examination to which att¢ntion should be drawm in order to enable a proper understanding of the accounts io k reached. Signed by the Examiner Date 2023 Name: Robert Colin Brady Relevant Professional Qualifications." BA Honours {Economics). Fellow. Chartered Institute of Management Accountants Address: 5. Langenhoe Park. Langenhoe. Colch¢sl¢r, Essex. C05 7JF