Reference and Admln15tratlve Information Charity Name= Tarbert lochfyne and Kllberry Parlsh Charity Registration Number: SC002622 Congregational Reference Number: 191255 Contact Address: Trustees Klrk Session Prln¢lpal Offlce-Bearers Bankers. Bank of Scotland, Poltalloch Street Loch 11 head, Argyll. Independent Examlner: page I Trustees Annual Report Year ended 31 December 2024 •Structure. Govemance and Management Unitary Constitution Since 17th March 2013 the Church is administered in accordance with the terms of the Deed of Constitution Iunltary Form). Recruitment and appolntment of Trustees The Kirk Session members are the charlty trustees. The Kirk Session members are the elders of the church and are chosen from those members of the church who are considered to have the appropriate glfts and skills. The Minister Is a member of the Kirk Session. Organisational Structure The Klrk Session meets at least 4 times per year and monitors the work of the commlttees. The Kirk Session Is responsible for monltoring the flnancial affairs and managlng the Charlty's property. Various sub-commlttees engaged In speclfSc areas of the Trustees, work le.g. fabrlc or financlal or safeguardlngl are accountable to the Kirk Session and report as and when necessary. The Kirk Sesslon is also responsible for the splritual affairs wlthln the church. •ObJectlve8 and Actlvlti•8 The Church of Scotland Is Trlnitarlan In doctrlne, reformed in tradltlon and Presbyterian In polity. It exlsts to glorify God and to work for the advancement of Christ's Kingdom throughout the world. As a natlonal church, it acknowledges a dlstinctive call and duty to brlng the ordinances of religlon to the people of every parish of Scotland through a terrltorial ministry. It co-operates wlth the other Churches in various ecumenical bodies In Scotland and beyond. Tarbert Parish Church is situated on Campbeltown Road, Tarbert. Services of worship are held every Sunday and occaionally additional services at other times. The church has a good relatlonship with the local school, with the Primary School performing their Nativity Play in the church and both Prlmary and Secondary Schools hol(Jlng their end of term services and concerts in the church. This year saw Safeguarding training undertaken by the Trustees, keeplng abreast wlth legislation. page 2 The Guild, whlch meets fortnightly In Tarbert Church during October through to March, has a very healthy attendance and now incorporates members from Clachan and Chleit. The meetings provide opportunities for discusslon by inviting speakers to address a variety of subjects. The theme for 24125 is 'Sure Foundations" During 2024 the Church Hall was used regular5y by groups in the village. Yoga classes, the Pipe Band and a children's dance group hold their se55ions in the church hall. • Achlevement and Performance As a whole the congregatlon continues to be actlve but there is genuine concern as to how the congregation might reach out to the wider communlty. Numerically, the congregatlon has reduced by 7 in 2024. Attendance at Sunday Worship is seen by manyto be the maln activlty of the Church, however the church also provides the vlllage with support for famS1ies who are experiencing ill health or bereavement. The congregation runs a charity shop locally. The shop is staffed by around 20 volunteers who help maintain and serve. The volunteers include members of the congregatlon and also non members who are happy to help. This venture not only provides essential fundlng for the church, and is an asset for locals and visltors, but has also become a hub for conversatlon and fellowshlp in the village. Early In the year the maln stalned glass wlndow In the santuary was severly storm damaged. Fund ralsing was undertaken, and the local community rose to the challenge. Funds were ralsed and, together with grant assistance, the stalned glass window was restored beautlfully by the end of the year. In addition to the extensive work we undertook on our stalned glass wlndow and supportlng wall, we replaced our exlsting steps Into the church grounds, whlch were becoming dangerous, to ensure safe access for both the congregation and the community groups which use the church hall. pa8e 3 Financial Review The total funds held in the bank accounts of the church decreased over the year by £14,672.62 This was mainly due to". (i) Repair of stained glass window lil) Essential structural work to the church and grounds. •Unrestrlcted Funds General Fund There was an excess of payments over receipts of £2,982.01 The year-end balance was £24,801.83 Fabrlc Fund There was an excess of receipts over payments of £209.07 The year-end balance was £847.67 •Restrlcted Funds Property Renewal fund There was an excess of payments over receipts of £11,899.68 The year-end balance was £5,238.15 Investment5 held by General Trustees •Murray Bequest Market value £3,981.12 as at 31 December 24 •Consolldated Fabrlc Fund Market value £3,681.26 as at 31 December 24 page 4 •Sustainability Statement The use of the church hall is generating income. It is hoped that this will contlnue and grow. Our ability to reclaim Income Tax using the HMRC'S Gift Aid Small Donatlons Scheme continues to augment our income.The church Thrift Shop provides a steady income and is a much appreciated asset in the village. We are also attempting to reduce our expenditure but are aware of the difficulties involved especially wlth the rising cost of electricity. •Statement of Trustees. Rosponsibilities The Trustees rnust prepare flnancial statements which give sufficient detail to enable an appreciation of the transactions of the church during the financial year. The Trustees are responsible for keeping proper accountlng records which, on request, must reflect the frnanclal posltion of the church at that time. This must be done to ensure thatthe financial statements comply wlth the Charities and Trustee Investment (Scotlandl Act 2005, and the Char5ties Accounts IScotland} regulations 2006 and the Regulatior15 Anent Congregational Finance approved by the General Assembly of the Church of Scotland in 2007. They are also responsible for safeguarding the assets of the church and musttake reasonable step5 for the prevention andlor detectlon of fraud and other irregularities Approved by the Trustees and signed on their behalf, Tarbert Lochfyne and Kilberry Parish Charlty No: SC002622 Report of the Independent Examiner Independent Examlner's Report to the Trustees of Tarbert Lochfyne and Kllberry Parlsh Churches I report on the accounts of the charlty for the year ended 3151 December 2024 whlch are set out on pages 7 to 11 Respective responsibilities of trustees and examiner The charity's trustees are responslble for the preparatlon of the accounts in accordance with the tenns of the Charities and Trustee Investment (Scotland) Act 2005 and the Charities Accounts Iscotlandl Regulations 2006 The charity trustees con5iderthat the audit requirement of Regulation 10{l) Idl of the Accounts Regulations does not apply. It 15 rny responsibility to examlne the accounts as required under section {44){1}{c) of the Act and to state whether particular matters have come to my attention page 5 Basis of independant examiner's statement My examination Is carried out in accordance with Regulation 11 of the Charitie5 Accounts {Scotlandl Regulation 2006. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts with those records. It also includes consideration of any unusual items or disc105ures in the accounts, and seeks explanations from the Trustee5 of any such matters. The procedures undertal