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SCARVA STREEf BANBRIDGE, CONGREGATION OF THE PRESBYfERIAN
CHURCH IN IRELAND
Trustees Annual Report and Financial Statements
for the year ended 31 December 2025
Reglstered Charity In Northern Ireland (NICIO5052)

SCARVA 5fREET BANBRIDGE, CONGREGATION OF THE PREsB￿ERlAN CHURCH IN IRELAND
TRUSTEES ANNUAL REPORT
The Trustees present thelr annual Report and Flnancial Statements for the year ended 31 December 2025,
includin8 a Statement of A55ets and Llabllitie5 as at that date.
REFERENCE AND ADMINlSfRATIVE DEfAILS
SCARVA STREEf BANBRIDGE, con8re8atlon of the Presbyterian Church In Ireland
The M3n5e
Scarva Street
Banbridge
BT32 3AD
Registered Charity In Northem Ireland (NIC105052)
CHARITY TRUSTEES
The Charlty Trustees who served during the year or who were trustees at the date of thi5 report were
K BENTLEY
T HILLEN
A CLOSE
MRS Y CLYDESDALE
MRS E CROTHERS
C HARRIS
D HAYES
T LINDSAY
N BELL
K QUINN
G RADCLIFFE
LREA
E ROWAN
J R SANDS
R WIiSON
PRINCIPAL OFFICE BEARERS
Minlster
REV C HARRIS
Clerk of Sesslon
LREA
Treasurer
MRS P MORTON
INDEPENDENT EXAMINER
SMVINT&CO
8 NEWRY ROAD
BANBRIDGE
BT32 3HN

SCARVA STREET BANBRIDGE, CONGREGATION OF THE PRESBYfERIAN CHURCH IN IRELAND
TRUSTEES ANNUAL REPORT (conVd}
BANKERS
ULSTER BANK
22 BRIDGE STREET
BANBRIDGE
BT32 3Ir
soucrroRS
JOHN MCBURNEY
5 CHURCH SQUARE
8ANBRIDGE
BT32 4AS

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SCARVA STREEf BANBRIDGE. CONGREGATION OF THE PRESBYfERIAN CHURCH IN IRELAND
TRusfEES ANNUAL REPORT {¢ont'd)
STRucfuRE AND MANAGEMENT
The Klrk Session
The charity trustees of the congregatlon are the members of Its Klrk Sesslon. Under the congregatlon's
80vernin8 document, The Code, the book of the constitution and government of the Presbyterian Church in
Ireland, the Kirk 5e55ion seeks to watch over and promote the splrltual Interest of the con8regation and of
person5 not connected WFth any congregatlon who are within its bounds. It ensures pastoral care Is in place
in the corngregation and seeks to further the contribution of the Church to Chrlstlan witness and servlce In
the local community. The Kirk Sessions has delegated to Its Con8rÈ8ational Committee the temporal affairs
of the congregation including administerin8 all funds and property belon8in8 to the con8re8ation. Members
of the Klrk Session are ex-officio members of the Con8re8atlonal Commlttee.
The Klrk Session consists of the ordained minister and the ruling elders of the con8re8atlons. All members
are entitled to propose, speak and exercise equal vote5 at meetings, except that the Moderator, the
ministers in artive duty in the congre8ation, ha5 no deliberative but only a castln8 Vote.
Stated meetlngs of the Kirk session are held at least four times per year.
To be chosen for the offlce of the elder5hip in the congre8atlon a person must be a voting member and a
regular attendant on its ordinances. The selection of those proposed to be called to the office can be either
by the congregatlon or by the Klrk Ses51on. Members are elected rfthey obtain two-thirds of those who vote.
Presbytery
Under the Presbyterian Church In Ireland form of governance the corporate oversi8ht of a con8regation Is
the responslblllty of a Presbytery which superintends generally the splrltual and temporal affairs of the
con8regatlons asslgned to it by the General Assembly of the Presbyterlan Church in Ireland. Scarva Street
Banbridge, congregation of the PreSb￿erian Church ha5 been assigned to the Iveagh Presbytery of the
Presbyterian Church in Ireland. The mernbership of the Presbytery consists malnly of the actlve mlnlsters of
congregations assigned to it by the General Assembly, ministers who have retlred from actlve duty and an
elder appolnted by the Kirk Sesslon of the congregation.

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SCARVA STREEf BANBRIDGE. CONGREGATION OF THE PRESBYfERIAN CHURCH IN IRELAND
TRUSTEES ANNUAL REPORT {conVd)
The General Assembly
The General Assembly is the supreme court of the Church, representin8 In one body the whole Church and
aqting as it5 supreme legi51atlve, admlnlstratlon and Judicial authorlty, In dealing wlth all matters brought
before It. The General Assembly is normally constltuted durlng the first week in June for worshlp and to
conduct its bvslness. At the end of buslness it is dissolved. The membership of the General Assembly consists
mainly of the active mlnlsters of each congregation, retired ministers and a representative elder appolnted
by the Kirk Session of each con8re8atlon.
DESCRIPTION AND PURPOSE
The charitable purpose of the congregation is the advancement of religion.
Scarva Street Banbridge, con8regation of the Presbyterian Church Is a con8rÈ8ation of the Presbyterian
Church In Ireland. The Presbyterian Church in Ireland, as a Reformed Church within the wlder body of Christ
Is grounded In the Scrlptures, and exists to love and honour God through faith in His Son and by the power
of His Spirit, and to enable her members to play their part in fulfilling God's mission to our worfd.
The congregations mission purposes Is
WORSHIP
We seek to glorify God and odvonce Christ's Kingdom through a varfety ofservlces and octivities deslgned to
draw people of oll oges ond background5 to HIM In sovlngfoith.
FELLOWSHIP
We seek to be o welcoming, caring, encoumglng community of believing people. lovinq eoch other and
serving Chn5t together.
DISCIPLESHIP
We seek, t7sfollowers oAChrist, to leornfrom HIM ond grow In His groce through Bible study, prnyerandacts
of practlcol service.
OUTREACH
We seek to be witnesses to Chrf5t by our words ond action5 furthering Hi5 misslon of sofvotion localfy ond
world-wlde.

SCARVA sfREEf BANBRIDGE. CONGREGATION OF THE PRESBYfERIAN CHURCH IN IRELAND
TRUSTEES ANNUAL REPORT (cont'd)
AcrivrriES AND OBJECTIVES
The congregatlon meets for worshlp every Sunday and vlsltors are welcome to Joln. The Sacrament of the
Lords Supper is observed on several occasions during the year and all those who have been baptised and
who have made a professlon of falth in the Lord Jesvs Christ are admitted to the Lord's Supper. The
congregation holds regular bible study meetings and has a wlde ran8e of or8anisations includln8 Breakfast
Club, Kln8dom Kids, Youth Club, Mums and Tots, Bo(s Brigade, Girl's Brigade, Bowlin8 Club. Presbyterlan
Women, Men'5 Fellowship and Bereavement Commlttee.
ACHIEVEMEKfs AND PERFORMANCE
Worshlp and prayer
The congregation normally meets for worship each Sunday at 11.00am and 6.30pm on the thlrd Sunday in
the month from Septemberto March. Durin8thÈ weekthe mid-week Bible Studyand prayer meeting meets
on Wednesdays each month.
As well as our regular services during the year we sought to comfort those who had been bereaved durln8
the year.
At 31 Decernber 2025 there were 222 communicant members and 227 families connetted wlth the
¢ongre8ation. The avera8e weekly attendance at morning worshlp In 2025 was 140. For those unable to
attend worship in person, the Service is recorded and downloaded on YouTube on Sunday evening and OV￿5
contlnue to be delivered to those wlth no access to YouTube.
Pastoral care
Membersof the congregation who are unable to attend church dueto sicknessor age arevislted on a regular
basis by the mlnlster or by telephone.
Mlsslon and outreach
As part of our overseas misslon outreach, donations were made to a variety of projerts including Tear Fund.
The congre8atlon supports the United Appeal for Mi551on whlch Is a central fund of the Presbyterlan Church
in Ireland. This fund enable5 con8re8ati04s to support the wider mission of the denominatlon and to do
mission and outreach on a denominational basls beyond vthat the con8re8ation could do on its own. The
Untted Appeal Fund provides financlal support for mtsslon personnel at home and overseas.

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SCARVA STREET BANBRIDGE, CONGREGATION OF THE PRES8YfERIAN CHURCH IN IRELAND
TRUSTEES ANNUAL REPORT (cont'd)
asslsts con8regations wlth the deployment of locally based staff, eD3bles church plantln8, provides grant
support for the upkeep of church premlses, asslst wfth the runnlng costs of Unlon Theological College, the
Church's training college for ministry students, and financially supports congregations in the areas of
worship, dlsclpleship, global mission, outreach, leadership and pastoral care.
The congregation also contribute5 to the denominatlons annual World Development Appeal and any other
special appeals.
Presbytery
The congregation was represented at the re8ular meetings of Presbytery by our minister and / or one of the
elders. Thls provides an important Ilnk between the congregations and the wider strurtures of the church.
General Assembly
the mlnlster and one of our elders were nominated to attend the meeting of the General Assembly of the
Presbyterian Church in Ireland held in Assembly Buildings, Belfast, in June.
Propertv
During the year a total of £35.659 was expended on work to the church hall whlch included V￿rk carried out
on Toilet Area, Kitchen and repairs due to storm damage.
Grants andlor bequest
The Boys, Brigade received £1.600 from the Education Authorlty.
Volunteers
The Trustees wish to acknowledge their deep appreciation of those who glve freely of thelr time by serving
on committees and helping with organisations and other church activities.

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SCARVA STREEf BANBRIDGE. CONGREGATION OF THE PRESBYfERIAN CHURCH IN IRELAND
TRUSTEES ANNUAL REPORT (cont'd)
PUBLIC BENEFIT STATEMENr
The Presbyterlan Church In Ireland meetsthe public beneftt requlrement byproviding benefitto itsmember5
and the general public by making known the Christian Gospel of the Lord Jesus Christ through the
advancement of religion.
The dirett beneflts whlch flow from the purposes of the Church Include the gaining of an understandin8 in
Christian bellefs as set out In the Bible and in the Church's subordlnate standards (the Westminster
Confesslon of Faith and the Shorter and Larger Catechlsmsl leadlngto spiritual and moral development and
opportunitie5 for response to Bible teaching. In turn, this framework leads to practical expressions of
Christian beliefs and standards in the local community such as through the care of those in need (including
the sick, disabled and bereaved).
6enerally the above benefrt5 are delivered locally by con8regation5 and their members, or are facilitated
through presbyteries or are organised and delivered centrally. Local dellvery is facilitated by central
resources In almost all cases. Public access is made known through the use of notice boards• printed material,
press advertisement, websltes, and social medla or In other ways.
The beneflts are demonstrated through regular evaluatlon of the servi¢es and informal and ad-hoc feedback
from members, theirfamllles, and members of the public.
The purpose does not lead to hann. The only prlvate benefft flowing from our purpose is related to Mlnlsters.
Missionaries, Deacone55es, Irish Mlssion worker5 and Lay Agents who receive benefits as a result of their
holdin8 office or employment. However, this is Incidental and necessary in order to further our charitable
purpose. There are no other private benefrts. The beneficiaries of this purpose are members, their families,
other indlviduals that the Presbyterian Church In Ireland is in direct and indirect contact with, the community
in whlch pastoral services are provlded and other communities throughout Northem Ireland, the Republic
of Ireland, and worldwlde whlch benefit from our engagement with and support for both Christian and other
secular or8an•sations, charitie5 and Indlvldual members of the public.
The Kirk Session has had regard to the Charity Comm1551on5 Public benefft requlrement statutory 8uidance.

SCARVA STREET BANBRIDGE, CONGREGATION OF THE PRESBYTERIAN CHURCH IN IRELAND
TRUSTEES ANNUAL REPORT (tonyd)
FINANCIAL REVIEW
The con8re8atlon's main source of income Is members, contrlbutlons through the Weekly
Freewill Offertn8. There were 171 contributors during the year [181 in 2024] donatlng a total
of £133,6931£133,657 In 2024}.
Total Income of the congregatlon durln8 the year was £214,259 compared to £234.527 In the
previous year (the 2024 year Included a grant of £6.0(Ki and a loan of £20.000).
Total expendlture durln8 the year was £200.136 compared to £187,104 the prevlous year.
srATEMEMf OF TRUSTEE RESPONSIBILMES
The Trustees are re5pon51ble for preparlng the annual report and the financlal statements of
the congregation In accordance wlth appllcable law and generally accepted accountin8
practice.
As the congregatlons total Income does not exceed £250,000, the Trustees have elected
under Section 6413) of the Charftie5 Act (Northern Ireland) 208 to prepare a receipts and
payment account and a statement of assets and Ilabllltles.
The Trustees are responslble for keeping adequate accountln8 records that are sufficient to
show and explaln the congregatlon's transactlons and dis¢105e with reasonable accuracy at
any time its finandal position. They are also responslble for safeguardln8 the a$5ets o* the
congregatlon and hence for taking reasonable steps forthe preventlon and detectton of fraud
and other Irre8ularities.
Approved by the Klrk Session at a meetln8 on 11 May 2026 and sl8ned on fts behalf ty
Rev C Harris Imlnlster)
L Rea (Clerk of Sesslon)

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INDEPENDEKf EXAMINERS REPORT TO THE TRUSTEES OF SCARVA STrEEr
CONGREGATION OF THE PREsBYfERIAN CHURCH IN IRELAND
I report on the accouTrt5 of the charity for the ¥*ear ended 315t December 2025 whlch are set
out on pages 11 to 17.
Respertlve responslbllltles of Trustees and Examlner
As the charltvs trustees you are responsible for the preparatlon of the accounts in accordance
wlth the Charitles Act (Northern Ireland) 2008.
It is my responsibility to:
• examine the accounts under section 65 of the Charities Act;
follow the procedures laid down In the 8eneral Directions given by the Charity Commission for
Northern Ireland under section 6519llb) of the Charltles Act. and
state whether partlcular matters have come to my attention.
Basls of Independent Examlner's report
I have examined your charlty accounts as required under sertion 65 of the Charities Act and my
examlnatlon was carried out in accordance with the 8eneral Dlrectlons 8lven by the Charty
Commlsslon for Northern Ireland under section 65{9){bl of the Charitie5 Act.
My examination included a review of the accountln8 record5 kept by the charity and a comparison
of the accounts presented with those records. It also included conslderation of any unusual items
or disclosures in the accounts, and seekln8 explanations from you as charity trustees concernlng
any such matters.
My role is to state whether any materlal matters have corne to my attention giving me cause to
belleve".
l. That accounting ￿cOrdS were not kept In accordance wlth settlon 63 of the Charities Act
2. That the account5 do not accord with those accounting records
3. That the accounts do not comply with the accounting requirements of the Charlties Act
4. Thatthere isfurther Information needed fora proper understanding of the accountsto be reached.

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Independent exarniner's statement
I have completed my examination and have no concerns in respect of the matters111 to14}
listed 3bove and, In connection wlth following the Directions of the Charity Comrnission for
Northern Ireland, I have found no matters that requlre drawingto your attention.
B. Magennls FCCA FCA
For and on behalf of S.M. Vlnt & Co
Chartered Certlfied A¢tountants & Registered Auditors
8 Newry Road
Banbridge
BT32 3HN
I" June 2026
io

SCARVA STrEEf CONGREGATION OF THE PRESBYfERIAN CHURCH IN IRELAND
5fATEMEKf OF FINANCIAL AcnviTY (Receipt5 and Payments Account)
for the year ended 31 December 20Z5
Note Unrestrlrted Restrlcted Endowment
Fund5
Fund5
Funds
Total
2025
Totsl
2024
Recelpts
Donations and legacies
Charitable activities
Other trading activities
Investment Income
Other
153,649
150
250
65
65
38,872
10,425
192,521
10,575
250
65
10,848
188.777
24,237
1,000
63
20,450
10,783
154,179
60,080
214,259
234,527
Sale of Investments
Sale of fixed assets
Loans Received
Total Re￿IPtS
154,179
60,080
214,259
234,527
Payments
Raising funds
Charitable actlvltles
Investment Costs
Other
691
110,454
691
145,434
679
137,894
34,980
13,954
40,057
54,011
48,531
125,099
75,037
200,136
187,104
Purchase of Investments
Purchase of fixed assets
Loan Repayments
Total Payments
125,099
75,037
2(￿,136
187,104
Net receipt51 (payments)
Transfers between funds
29,080
{9,8321
114,957)
9,832
14.123
47,423
Net movement in funds
Funds brought forward
Prlor year 3djustmÈnt
19,248
59,413
{5,125)
32.088
14,123
91.501
47.423
44.078
Funds carrled forward
li
78,661
26,693
105,624
91,501
li

SCARVA sfREET CONGREGATION OF THE PREsBYfERIAN CHURCH IN IRELAND
srATEmE￿f OF ASSETS AND UABIIITIES
As •t 31 December 2025
Unrestrlcted Restrlcted Endowment
Funds
Funds
Fvnds
Total
Funds
2025
Total
Funds
2024
Ftsnds Rewnculatlon
8ank and Cash at start of year
Net movement In funds
59,413
19,248
32J)88
{5,125)
91501
14,123
44.078
47,423
Bank and Cash ètend ofyear
78,661
26363
105,624
91,501
B￿k & Cosh BBkn¢es
Bank DEposIt Accounts
8ank CurrentAccovnts
Cash in Hand
105.425
199
91.091
410
105,624
91,501
FSxed As5ets- Note 10
Churth Premlses
F￿tUres. Fitti￿5 & Equipment
Vehic
Investments
Gift AÉd recelvable on donations
7,182910 7,182.910
7.182.910 7,182,910
Llabllltles
13,(U)
17.C#)O
other
Appro￿1 by the Commlttee at a meetlng on 18 May 2026 and slgned on its behalf by
Rev C Harris
Minister
Mrs P Morton
Treasurer
12

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SCARVA STREET CONGREGATION OF THE PRESBYfERIAN CHURCH IN IRELAND
NOTES TO THE ACCOUNTS
31 December 2025
ACCOUNTING POLICIES
BASIS OF FINANCIAL sfATEMENrs
As the total Income of the con8regation is less than £250,000 the congre8atlon have elected in
acrnrdance with the provlsions in The Charitles (Accounts and Reports Regulations (Northern Ireland)
2015 to prepare its accounts on a receipts and payments basls.
FUND AccouNnNG
Endowment funds are funds, the capital of whith must be retained either permanently or at the
con8regation's discretion; the income derlved from the endowment Is to be used elther as restricted or
unrestricted income funds dependin8 upon the purpose for which the endowment was established in
the first place.
Restricted funds comprise (al Income from endowments whlch is to be expended only on the restricted
purposes intended by the donor and Ib) revenue donations or grants for a Specific congre8atlonal
artivlty Sntended by the donor. Where these funds have unspent balance5, interest on their pooled
Investment is apportioned to the indlvldual fvnds on an average balance basls.
Unrestricted funds are Income funds which are to be spent on the congregatlon's general purposes.
Designated funds are general ftjnds set aside by the congregatlon for use in the future.
DONATIONS AND LEGAaES
Unrestrfrted
Funds
Restrfcted Endowment
Funds
Funds
Total
2025
Total
2024
Recorded 8ivlng:
Loose collectlons
Donations and gift5
GiftAid
Legacles and bequest
5,297
116,241
32,111
1,582
37,290
6,879
153,531
32,111
5,573
154,892
27,909
403
153,649
38,872
192,521
188,777
13

SCARVA STREET CONGREGATION OF THE PRESBYfERIAN CHURCH IN IRELAND
NOTES TO THE ACCOUKrs
31 December 2025
CHARITABLE A￿1VITIEs
Unrestrlcted
Funds
Re5trfrted Endowment
Funds
Funds
Total
2025
Total
2024
Income from charitable activities
Fees from weddings and funerals
Fundraislng events
Membershlp fees
Grants
150
S(X)
650
6,597
1,728
1,600
6,597
1,728
1,600
14.094
1,458
8,685
150
10,425
10,575
24,237
4. OTHER TRADING AcrivrriES
Unrestrfcted
Funds
Restrlcted Endowment
Funds
Funds
Total
2025
Total
2024
Use of premises
Land letting
250
250
i.￿0
250
250
INVESTMEMf INCOME
Unrestrlcted
Funds
Restrfrted Endowment
Funds
Funds
Total
2025
Total
2024
Dep051t interest
General Investment Fund
Rents investment properties
Other Investment Income
65
65
63
65
65
63
14

SCARVA STrEET CONGREGATION OF THE PRESBYfERIAN CHURCH IN IRELAND
NOTES TO THE ACCOUNTS {cont'd)
31 December 2025
OTHER INCOME
Unrestrlrted
Funds
Restrlcted Endowment
Funds
Fund5
Total
2025
Total
2024
Insurance claims
Loan
Other income
6,476
6,476
20.oc
450
65
4,307
4,372
65
10,783
10,848
20,450
RA151NG FUNDS
Unrestricted
Funds
Restricted Endowrnent
Funds
Funds
Total
2025
Total
2024
FWO envelopes
FundraisinE events
691
691"
679
691
691
679
CHARITABLE AcrivrriES
Unrestrkted
Funds
Restrlcted Endowment
Funds
Funds
Total
2025
Totsl
2024
General Assembly Assessments
Presbytery fees
Ministry and support staff costs
Congregational running expenses
Donations to Missions and
charities
Governan¢e costs
11,056
919
78,717
17,604
350
11.056
919
79,297
39,245
13,109
18,829
915
74,786
33,544
7,939
21,641
12,759
1,808
1,808
1,881
110,454
34,980
145,434
137,894
15

SCARVA STREET CONGREGATION OF THE PRESBYfERIAN CHURCH IN IRELAND
NOTES TO THE ACCOUNTS (convdl
31 December 2025
OTHER EXPENDITURE
Unrestrlcted
Funds
Restrlcted Endowment
Funds
Funds
Total
2025
Total
2024
Property and equipment
Cleaner
Musicians
Loan repayments
35,695
35,695
7,684
6,270
4.362
31,740
7,311
6,208
3,272
7,684
6,270
4,362
13,954
40,057
54,011
48,531
10. FIXED ASSErs
The congregation owns the Church premises with adjacent graveyard situated at Scarva Street and the
Manse at Scarva Street tO8ether with the associated fixtures, fittin8s, plant and machinery. These have
an insurance value of £7,182,910.
16

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SCARVA sfREEf CONGREGATION OF THE PRESBYfERIAN CHURCH IN IRELAND
NOTES TO THE Accourits (convd)
31 December 2025
11. FUND BALANCES
Fund
Balance
at start
Prlor
Year adj.
Recelpts Payment Surplus / Transfe Balance
(Defidtl
at end
Unrestrirted Fund$
General Fund
59,413
154,179
125,099
29,080
(9,832) 78,661
59,413
154.179 125,099
29,080
19,832) 78.661
Restrfcted Funds
Cong. Organlsatlonal Funds
Bullding Fund
Mlssions and Charlties Fund
7,851
24,237
19,799
37,803
2,478
16,127
47,251
11.659
3,672
{9,4481
19,1811
(5,369} 6,154
6,020 20,809
9,181
32,088
60,080
75,037
114.957)
9,832 26,963
Endowment Funds
Deposit Account
Total
91,501
214,259 200,136
14,123
0 105,624
17