Melksham Baptist Church TRUSTEES, ANNUAL REPORT 2020121 Page 1 of 13 MELKSHAM BAPTIST CHURCH TRUSTEES ANNUAL REPORT & ACCOUNTS for YEAR ENDING 31 MARCH 2021 Presented on behalf of the Deaconate by: Mr Alan McFall Chijrch Secretary & Treasurer Approved by Dea¢on$ (Managing Truste&sl at Diaconatg Megting on Chaim)an .. Mr Joshua Pamiar, Pastor
Melksham Baptist Church TRUSTEES’ ANNUAL REPORT 2020/21
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Legal & Administrative Information
Name of Charity: Manse for the Minister of Melksham Baptist Church & Sunday School Commonly referred to as Melksham Baptist Church Address of Charity: Old Broughton Road Melksham Wiltshire SN12 8BX Email: Website: www.melkshambaptistchurch.org.uk Charitable Status: Registered with the Charity Commission of England & Wales Registration Number = 261709 Administration: The Church was founded under Trust Deed, originating in 1669. Day to day administration and leadership are the responsibility of deacons (managing trustees). Of the deacons, the church secretary and church treasurer constitute the officers of the church. Decision-making is the collective responsibility of the church members through the Church Meeting, a quorum being represented by thirty percent of the church membership. At the date of this report, managing trustees or deacons are: Mr Joshua P Parmar Pastor in training Mr Alan D McFall Secretary/Treasurer Miss Caroline Hancock Mr David Payne Mr Maurice Perry
Deacons are elected at the Annual General Meeting to serve for a period of three years; following which they must stand-down but may offer themselves for re-election. Mrs Elizabeth Young and Mr Philip Toop retired as deacons during 2020.
The Church is affiliated to the Baptist Union of Great Britain and its regional administrative body, the West of England Baptist Association.
The West of England Baptist Trust Company Limited are Custodian Trustees, holding in trust the title deeds of the property at Old Broughton Road, known as Melksham Baptist Church and Sunday School; and the property at Western Way known as The Old Baptist Burial Ground.
Melksham Baptist Church TRUSTEES’ ANNUAL REPORT 2020/21
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| Bank: | Natwest Bank |
|---|---|
| Chippenham Branch | |
| 30 High Street | |
| Chippenham | |
| Wiltshire | |
| SN15 3HB | |
| Independent Examiner: | Mr John Viveash |
| 4 Willow Close | |
| Melksham | |
| Wiltshire | |
| SN12 6SD | |
| Building Surveyor: | Mr Adrian Male |
| Midtrees, | |
| The Green, | |
| Hambridge, | |
| Langport, | |
| Somerset, | |
| TA10 0AT | |
| Insurers: | The Baptist Insurance Company |
| Beaufort House | |
| Brunswick Road | |
| Gloucester | |
| GL1 1JZ |
The Church
Melksham Baptist Church is affiliated to the Baptist Union of Great Britain and to the West of England Baptist Association. It is also a member of the Melksham Family of Churches.
Membership of the Church is open to all who profess faith in Jesus Christ as Lord and Saviour and whose lives bear evidence of that fact. The usual means by which people become members is through Believers' Baptism.
Those desiring to become members are asked to seriously consider the New Testament teaching on baptism, but the Church shall welcome into membership those who earnestly desire to serve and follow Christ and who come from other Christian traditions.
The fellowship was formed in 1669 and the building in which we worship today is Grade II listed, having been built around 1776 .
Melksham Baptist Church TRUSTEES’ ANNUAL REPORT 2020/21
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Objectives
The advancement of religion for the salvation of all who believe in Jesus Christ and for the benefit of society in general, both locally and in the wider world. Specifically, making Jesus known in Melksham.
Principal Aims
-
Be a worshipping, witnessing community of Christians; ministering to the members, wider congregation and local community including through links such as Melksham Family of Churches, schools and other voluntary organisations as appropriate from time to time.
-
Help others come to a closer relationship with their Creator and Saviour.
-
Support the work in Great Britain of the Baptist Union Home Mission and that overseas of BMS World Mission
-
Encourage the giving of time and talent to aid and development work, primarily through other charities whose aims are compatible with our own
-
Maintain the church premises as a safe and sound environment in which we, and other groups to whom we give access, may function; doing so in a manner that preserves the listed building, as far as possible, in its original form
Melksham Baptist Church TRUSTEES’ ANNUAL REPORT 2020/21
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Policy Statements
Reserves
The policy of the trustees is to retain sufficient reserves to maintain the smooth day to day running of the church, avoiding as far as possible being overdrawn on any bank account. We also need to be in a position to meet our commitments as an employer of the Pastor both during employment and in the event of unexpected cessation. We need to be mindful of the requirement for significant capital expenditure, from time to time, on maintenance of our property portfolio which from 2020 now includes a manse.
Investment
Where the trustees have opportunity to exercise influence over investment decisions, they do so on the strength of advice from the Custodian Trustees, seeking to maximise the annual return over a period of at least ten years and through either Government or ethical stocks. Short-term surplus funds are held in a “pooled” bank account, managed by the Baptist Union Trust Company Limited.
Risk Management
A Health & Safety Review is conducted every two years and reported to the trustees. A two-yearly portable electrical appliance check is conducted.
An electrical installation condition report is produced every five years (latest in April 2019). A quinquennial (5-yearly) inspection of the property is carried out and reported to trustees and custodian trustees. (This was last done in April 2019).
The most significant risk we face is of the occurrence of a “cessation event” whereby we no longer make contributions to the Baptist Pension Scheme and are required to make a single payment to clear our share of the deficit in the Defined Benefits section of that fund. To this end, it is our policy to avoid a cessation event and to make use of the period of grace facility by which we continue making contributions during the time of a pastoral vacancy.
Internal Financial Controls
We follow the guidelines contained in the Association of Church Accountants & Treasurers Handbook as far as is practicable for a congregation of our size.
Conflict of Interest
We take care to avoid situations where conflict of interest may arise, whether in letting of contracts (deacons declare/monitor interest) or in making of decisions at church meetings (members absent themselves where necessary).
Complaint Handling
The Pastor and Church Secretary, who involve other deacons or specialists as relevant, initially deal with complaints. A record is kept of all correspondence and discussions. Where relevant, we take guidance from the Charity Commission guidelines on Reporting Serious Incidents.
Safeguarding
It is policy for Pastor, deacons and all involved in leading work with children or vulnerable adults to have attended the complete set of Safeguarding Training sessions to level 3, as provided by WEBA. DBS checks have been completed on all relevant members in the past and are renewed in line with recommendations (currently after 3 years). Policy and associated procedures were reviewed during the year 2020/21.
Data Protection
We have a policy and procedures to ensure compliance with the General Data Protection Regulations (May 2018).
Melksham Baptist Church TRUSTEES’ ANNUAL REPORT 2020/21
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Brief Review of the Year to March 2021
Summary
An unprecedented year began with the introduction on 23[rd] March of severe restrictions on public activity due to the coronavirus pandemic. These brought to a standstill communal worship, prayer/study meetings, socialising, travel and all hosted activity in our premises with the exception of the Foodbank which has virtually doubled its throughput.
We have adapted to use of IT for sharing weekly worship by YouTube and Zoom, with most people on computers at home and a minimum of non-IT folk joining via facilities in the church or hall since January 2021.
We continue to be grateful for the moral and financial support of our neighbours in Corsham Baptist Church.
Members & Friends
-
Two members sadly passed away.
-
One member and spouse decided to worship more locally to where they live, although still remaining in touch.
-
At 31[st] March, church membership stood at 35 people (although 5 have lapsed over the years).
-
We are in regular contact with 38 people via email/phone/letter and the number accessing the regular YouTube session is variable, but in the mid-40’s.
Outreach
-
The pastor, his wife and children initiated a weekly “Rhyme Time” get-together for parents and pre-school children for an hour or so, weekly, in 2020 and have maintained regular contact during lock-down via Facebook with most of these.
-
We have contributed to the Family of Churches outreach to young families via the continuation, in remote form, of Messy Church.
Social Activity
- There has been none.
Church Growth – Development of Faith
-
The Home Mission Grant from WEBA has allowed us to continue to employ our Pastor in training and he has been very faithful in preparing a sermon each week, delivered via Facebook and printed copy, supporting those in need of prayer and moral support and pursuing his training via contact with the Baptist College in Bristol via Zoom.
-
Other Witnessing
-
It has again been our privilege to provide food and essential support to those who have been referred to the Melksham Foodbank. The demand through the periods of lockdown has almost doubled and, thankfully, so has the level of donation of food and finances from the community.
-
Management of Premises
-
This has been limited to essential routine maintenance that can be carried out with regard to social distancing.
-
Overseas Mission
-
We are formally partnered, through the BMS World Mission organisation, with mission workers in Peru (Laura-Lee Lovering) and Uganda (Darby Family); we support them by our giving to BMS and regular email contact.
-
We provide storage space to Tools with a Mission (TWAM) and members also support Christian Aid.
Melksham Baptist Church TRUSTEES’ ANNUAL REPORT 2020/21
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- Statement on impact of Coronavirus
Our receipts for the year were lower than budgeted by approximately £7,000 – primarily through receiving no rental income for the whole year and members’ giving to mission causes being significantly reduced.
We benefitted from a repayment holiday of 3 months on the loan from WEBA and a 50% reduction for 6 months on Baptist Pension Scheme deficit payments.
For the year ahead, we are hopeful that we may be able to once again hire the premises to most of our former users from July and be able to return to more regular receipt of freewill offerings in a similar timescale.
Melksham Baptist Church TRUSTEES’ ANNUAL REPORT 2020/21
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ANNUAL ACCOUNTS
INDEPENDENT EXAMINER’S REPORT
Note: Accounts have been prepared on a Receipts and Payments basis
Melksham Baptist Church TRUSTEES, ANNUAL REPORT 2020121 Page9of 13 CHARITY COMMISSION FOR ENGIAND AND WALES Independent examinerfs report on the accounts Section A Independent Examiner's Report Report ta the truste8sl membor5 of c41v&ql On aounts for the year ended Charity no lif any) Sr frL44qi Sèt out on pag¢s Of4£ - I report to the trustees on my examination of the accounts of the above charty nhe Trust? forthe year ended Responstbilities and basÈs of r8port As the charty's trustees, you are sponsIble forlhe preparation of the actounls in accor(18nce wrth the requirements of the Charities Act 2011 Ilhe ACVI. I report in respect of my examination of the Trust's accounts Carried out under section 145 of the 2011 Act and in carrying out my exarninalion, I h8vÈ followed all the applicable Directions gwen ty the Chariiy Commission nder Section 1495llbl of the Act. Indgpondent examinerfs statement Delete I l rfnot appl&16. I have completed my examination. I confim) that no material matters have come to my attention in connection with the examination14lkgTr1 thsdose&bW whi¢h 9sve$ me Gauso lo boliove that in, any material respect the accounting records were not kept in accordance wf(h section 130 of the Charities Act., or the accounts did not accord with thE accourrting records,. or the accounts did not comply wlh the applicable requirements c¢nc£ming the torTll and content of accounts set out in the Charities (A¢counts and Reports) Regulations 2008 other than any requirement that the accounts give a 'tnJe and fair, view which is not a matter considered as part of an indop&ndenl examin81ion. I have no concerns and have come across no other matters in eonnection wrth the examination to which attention should drawn in this report in order tts enab a proper undetstanding of the accounts tts reached . Please delete the words in the brackets iflhey do not apply. Sign•d: Name: Kr R•levant professlonal qualificationl$l or body IER Oct2018
Melksham Baptist Church TRUSTEES’ ANNUAL REPORT 2020/21
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Melksham Baptist Church
Statement of Financial Activities
for the Year Ended 31 March 2021
Version: 1 Date: 09/04/2021
Notes Unrestricted Designated Restricted Total Total
Funds Funds Funds Funds Funds
£ £ £ 2021 2020
Receipts & Payments Account
Receipts
Offerings 23,437 23,437 23,021
Donations 508 508 5,770
Grants 14,004 14,004 12,837
Fund-raising activities 0 0 0
Legacies 0 0 0
Gift Aid Tax 6,163 6,163 4,578
Investment Income 5,025 5,025 5,016
Property Income 1,510 1,510 5,027
Other Causes 4,874 4,874 7,156
Realised investment gains 0 0 0
Total Incoming Resources 50,647 0 4,874 55,521 63,405
Payments
Ministry 25,916 25,916 29,593
Church Life 514 514 3,049
Properties 12,200 12,200 17,456
Administration 14,051 14,051 12,606
Other Causes & Mission 4,647 4,647 7,426
Total Resources Expended 52,681 0 4,647 57,327 70,130
Net before transfers -2,033 0 227 -1,806 -6,725
Transfers between Funds 0 0 0 0 0
Net Receipts/(Payments) -2,033 0 227 -1,806 -6,725
Opening Balances 24,321 31,046
Closing Balances -2,033 0 227 22,515 24,321
There are no recognised gains or losses other than the results for the year as set out above.
All activities are classed as continuing.
----- End of picture text -----
Melksham Baptist Church TRUSTEES’ ANNUAL REPORT 2020/21
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| Melksham Baptist Church | Melksham Baptist Church | Melksham Baptist Church | ||||||
|---|---|---|---|---|---|---|---|---|
| Statement of Assets & Liabilities | ||||||||
| At 31 March 2021 | ||||||||
| Notes | 2021 | 2020 | ||||||
| £ | £ | |||||||
| Fixed Assets | ||||||||
| TangibleFixedAssets | 0 | |||||||
| Investments | 8 | 4,000 | ||||||
| 4,000 | 3,880 | |||||||
| Monetary Assets | ||||||||
| ShortTerm Deposits | 9 | 10,668 | 10,594 | |||||
| CashatBank | 11,846 | 13,725 | ||||||
| 22,513 | 24,320 | |||||||
| Liabilities | ||||||||
| Missionpayments | 10 | 1,129 | 607 | |||||
| Loans (interest-freefrom members) | 0 | 0 | ||||||
| Loansfrom WEBTCo.Ltd | 11 | 86,857 | 93,028 | |||||
| PensionSchemeliability | 12 | 33,100 | 44,800 | |||||
| 121,086 | 138,435 | |||||||
| Note re Assets / Investments: | ||||||||
| Investmentis CharincoFundwith Blackrock. Evaluation is at | ||||||||
| Insurance value - | ||||||||
| Buildings | 3,294,284 | 3,291,014 | ||||||
| includes pipe organ | 73,155 | 73,083 | ||||||
| Contents | 88,437 | 88,349 | ||||||
| Burial ground at Western Way, Melksham.Nomeaningful valueis available soithasnot | ||||||||
| been includedInthe Statement of AssetsAndLiabilities | ||||||||
| Manse at 102 Linnet Lane, Melksham | £250,000 | purchase pricein April 2019 | ||||||
| Purchasedinconjunction with West of EnglandBaptistTrust Company, | ||||||||
| who,when loan repaid,will hold a 60%interestinthe property | ||||||||
Melksham Baptist Church TRUSTEES’ ANNUAL REPORT 2020/21
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| Melksham Baptist Church | Melksham Baptist Church | Melksham Baptist Church | ||||||
|---|---|---|---|---|---|---|---|---|
| Notes to the Accounts | ||||||||
| For the Year Ended 31 March 2021 | ||||||||
| 1. Accounting Policies | ||||||||
| The accountshave beenprepared underthehistoricalcost conventionandrecorded on | ||||||||
| aReceipts andPayments basis. | ||||||||
| 2.Grant of£14,000 p.a. is beingreceivedfrom West of EnglandBaptistAssociationto support | ||||||||
| the appointment ofaminister intraining. | ||||||||
| 2021 | 2020 | |||||||
| 3. Ministry | ||||||||
| Minister's Stipend andEmployers costs | 24,419 | 23,394 | ||||||
| Expenses | 1,377 | 5,604 | ||||||
| PreachingFees | 120 | 595 | ||||||
| 25,916 | 29,593 | |||||||
| 4.Church Life | ||||||||
| Worshipmaterials | 0 | 26 | ||||||
| Developingfaith& community support | 302 | 613 | ||||||
| Flowers | 0 | 66 | ||||||
| JuniorChurch | 0 | 0 | ||||||
| Catering | 3 | 1,714 | ||||||
| Piano & Organtuning | 0 | 0 | ||||||
| Donations | 0 | 360 | ||||||
| Subscriptions | 209 | 170 | ||||||
| OthercostsincAssembly | 0 | 100 | ||||||
| 514 | 3,049 | |||||||
| 5. Premises | ||||||||
| Manse | 3,173 | 5,594 | ||||||
| Repairs,Renewals andImprovements | 1,140 | 6,024 | ||||||
| Heat andLight | 4,313 | 2,747 | ||||||
| Water Rates | 93 | 86 | ||||||
| Insurances | 2,521 | 2,469 | ||||||
| Cleaning | 380 | 333 | ||||||
| Equipment & depreciation | 579 | 203 | ||||||
| 12,200 | 17,456 | |||||||
| 6. Administration | ||||||||
| Printing & stationery | 315 | 310 | ||||||
| Telephones | 0 | 227 | ||||||
| Audit & accountancy | 100 | 1,680 | ||||||
| ITcosts &musiclicences | 826 | 389 | ||||||
| Loan repayments | 9,000 | 10,000 | ||||||
| Other(ministry training) | 3,810 | 0 | ||||||
| 14,051 | 12,606 | |||||||
| 7.Other Causes and Mission | 2021 | 2020 | ||||||
| HomeMission | 1,284 | 1,420 | ||||||
| BMSWorldMission | 1,399 | 1,768 | ||||||
| MAF | 33 | 210 | ||||||
| Alabaré | 263 | 382 | ||||||
| Bible Society | 117 | 213 | ||||||
| Spurgeon'sHomes | 665 | 618 | ||||||
| Christian Aid | 0 | 267 | ||||||
| LeprosyMission | 38 | 78 | ||||||
| Bristol Baptist College | 25 | 75 | ||||||
| Melksham FoodBank | 200 | 235 | ||||||
| TWAM | 0 | 60 | ||||||
| Cancer Appeals | 480 | 1,228 | ||||||
| Stewardship (H. Wood) | 0 | 0 | ||||||
| MFoCBlessMelksham | 25 | 95 | ||||||
| CrisisFund | 0 | 325 | ||||||
| TheTurning | 0 | |||||||
| MIND | 13 | |||||||
| WHCT | 25 | |||||||
| CSW | 55 | |||||||
| Other(2021 - WEBA Albania) | 25 | 453 | ||||||
| 4,647 | 7,427 |
Melksham Baptist Church TRUSTEES’ ANNUAL REPORT 2020/21
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| Melksham Baptist Church | Melksham Baptist Church | Melksham Baptist Church | ||||||
|---|---|---|---|---|---|---|---|---|
| Additional Notes | ||||||||
| For the Year Ended 31 March 2021 | ||||||||
| 8. Note re Assets / Investments: | ||||||||
| InvestmentisBlackrockCharitableInvestmentFund. Evaluationat | 31/12/2020 | |||||||
| 9. Short termdeposit is with Baptist Union Corporation 3mth notice account | ||||||||
| 10. Mission Payments to be made | £ | |||||||
| HomeMission | 187.50 | |||||||
| BMS | 202.50 | |||||||
| BMSB'day | 60.00 | |||||||
| MAF | 5.00 | |||||||
| Alabare | 40.00 | |||||||
| Bible Soc | 15.00 | |||||||
| Spurgeons | 105.00 | |||||||
| CAid | 30.00 | uncleared cheque | ||||||
| M Foodbank | 70.00 | |||||||
| TWAM | 10.00 | |||||||
| MBC CrisisFund | 354.18 | |||||||
| CSW | 25.00 | |||||||
| TheTurning | 25.00 | uncleared cheque | ||||||
| £1,129.18 | ||||||||
| 11. WEBA Loan is £100,000 toward purchase of Mansein April 2020, to berepaid over 10 years | ||||||||
| At currentrepayment andinterestrate,loan willbe paid offbymid-2029. | ||||||||
| 12. Baptist Pension Scheme Liabilities | ||||||||
| ~~The Church is an employer partic~~ | ~~ipating i~~ | ~~n a pension~~ | ~~cheme kno~~ | ~~n as the Bap~~ | ~~tist Pension~~ | ~~S~~ | ~~heme (~~“~~the~~ | |
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| 8% of their Pensionable Income a | nd emp | loyers pay 6 | % of member | s’ Pensionab | le Income i | nt | o individual | |
| pension accounts. In addition,th | e emplo | yerpays a fu | rther 4% of P | ensionable I | ncome(or 3 | % | if the | |
| employer is in the segregated DC | section | ) to cover De | ath in Servic | e Benefits, ad | ministratio | n c | osts, and an | |
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| 1925, but was closed to future ac | crual of | defined ben | efits on 31 D | ecember 201 | 1. A formal | va | luation of | |
| the Defined Benefit (DB) Plan wa | s perfor | med at 31 De | cember 2019 | by a profes | sionally qua | lif | ied Actuary | |
~~using the Projected Unit Method~~ |
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~~e was £298~~ |
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| contributions from churches and | other e | mployers inv | olved in the | DB Plan will r | emain at pr | ev | iously | |
| agreed levels,increasingeachye | ar in line | with increa | ses in the Mi | nimum Pensi | onable Inco | m | e. The | |
| deficiency contributions are broa | dly base | d on 12% of | Pensionable | Income / Mi | nimum Pen | sio | nable | |
| Income, reflecting each employe | r’s contr | ibutions in M | arch 2015. S | ome employ | ers that we | re | involved in | |
~~the DB Plan for a short period pa~~ |
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|
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~~cember 20~~ |
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| In addition, the Baptist Union of | Great Br | itain agreed | to contribute | a lump sum | of £0.5m b | y 3 | 1 December | |
~~2020. The current Recovery Plan~~ |
~~dated 3~~ |
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~~s continuing~~ |
|
~~til 30 J 2026~~ |
||||||||
| ~~un une .~~ | ||||||||
| As there is a large number of con | tributin | g employers | participating | in the Schem | e, the Chur | ch | is unable to | |
~~identify its share of the underlyin~~ |
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| ~~total pension deficiency contribu~~ | ~~tion cos~~ | ~~t for the Chu~~ | ~~rch in the ye~~ | ~~r was £2,74~~ | ~~.~~ | |||
| ~~The next actuarial valuation of th~~ | ~~e DB Pla~~ | ~~n within the~~ | ~~Scheme is d~~ | ~~e as at 31 D~~ | ~~cember 20~~ | ~~22~~ | ||
| ~~.~~ | ||||||||