The Church of Scotland Clydebank Waterfront Parish Church Annual R•port and Congr•gatlonalAccounts 2025 Congregation Numb•r 181226 Scottlsh Charity Number SC004596 Llnk•d wlth Kllbowlo Sl Andrews Parish Church Scottish Charlty Number SCOI 1353
Reference and Administrative Information Charity Name: Clydebank Waterfront Parish Church Charlty Reglstration Number: SC004596 Congregation Reference Number: 181226 Contact Address: Mr KJ McKle 62 Mlllburn Avenue Clydebank G81 IER Trustees: Appendlx Attached Prlnclple Office Bearers MSnlster: Rev Anne Fyffe Session Clerk: Mlss Fiona Sinclalr Church Treasurer: Mrs Lilian Davidso Independent Examlner: Mrjames McGill B.Ac¢ C.A, {Retired) Bankers: Royal Bank of Scotland 30 SylvannSa Way South Clydebank G81 ITS Page 2
Trustee's Annual Report for Year Ended 31° December 2025 Appendix Trustees- Clydebank Waterfront Parish Chu rch Rev Anne Fyffe Minister- Elders Flona Sinclalr Brlan Grummitt George McKerracher Tom MacDonald Catriona Brash Ishbel Hood Mary Caldefwood Joan MacLaren Lilian Davidson Carol Lang Susan Caldwell Isabel Cameron John Brady Ken McKle Elders- no lon8er actlve- due to111 health/retired Moira Adalr Wllliam Caldwell Margaret Carroll Agnes Kenny Maurlce Pert Pa8e 3
Trustee's Annual Report for St Year Ended 31 December 2025 Structure, Governance & Management Governing Dlxument The church 15 admlnistered In atcordance with the terms of the Model Deed of Constitution. Recrultment ind Appolntment ol Trustees Members of the Kirk Sesslon 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 consldered to have the appropriate glfts and skills. The mlnlster, who Is a member of the Klrk Sesslon, Is elected by the con8regatlon and Inducted by Presbytèry. Organlsed Structure The Klrk Sesslon which currently meet5 nlne tlmes a year Is responsible for splrltual affalrs wlthln the church and wlthln the Klrk Sesslon certaln responslbllltles a delegated to the FInan Commlttee and the Property Committee as appropriate. Objectlves & Acilvhles The Church of Scotland is Trinitarian in doctrine, Reformed in tradition and Presbyterian in policy. It exists to glorify God and to work for the advancement of Christ's Kingdom throughotbt the world as a national Church, it acknowled8es a dlstlnctive call and duty to brlng ordinances of rellgion to the people in every parish of Scotland through a territorial mlnistry. It Co-operates with other Churches In various ecumenlcal bodies In Scotland and beyond, Particular to thls Congregatlon for 2025 only: SUNDAYS: May to October serylces at 11.30arn November to April services at 10am Services are streamed online TUESDAYS: 11am to 1.30 pm Craft Daft Group WEDNESDAYS: 12pm- 2pm Wednesday Worshlp Group THURSDAYS: 6.15pm- 7.15pm RaInbov. 6.15pm- 7.30pm Brownles; 7.30pm- 9pm Guldes. Occaslonal Saturdays and Wednesdays for coffee mornin8s, soclal events and congregatlonal outings. Page 4
Waterfront Parish Church Scottish Charity: SC00459 Trustees Achievement & Performance 2025 2025 was an eventFul year for our congregation. We started the year in January with our linked charge of Dalmuir Barclay continuing our services on a bi- monthly basis at Om with Rev Steven Henderson OLM in charge. In March. the Presbytery of Clyde began to initiate the Presbytery Plan for our area of Clydebank. A vote was taken of the Congregation to sever our linkage of 13 years with Dalmuir Barclay, to form a Union with Radnor Park Church and to form a linkage of that Union with Kilbowie St Andrews. The service to conclude the Severance. Union and Linkage took place in Kilbowie St Andrews Church on l May 2025. The name of Waterfront was retsined for our building meantime until a further appraisal of the building of Kilbowie St Andrews took place. We were now given the right to call a new Minister to the linked charge. Rev John Purves, who had been locum at KSA, then joined us as Interim Moderator and Locum. In June a Nominating Committee was formed of the two congregations and they started their deliberations. By the end of September, the closing date for applications took place and the interviewing of our chosen candidate took place in October. We were very fortunate to find an excellent candidate and Rev Anne Fyffe preached as Sole Nominee in both churches on 2. November. After her acceptance by the two congregations, Anne's induction took place on 17th November in Clydebank Waterfront Church. Both churches were delighted to welcome Anne, her husband David and baby daughter Eloise into our midst. At Waterfront we continue wlth out two MDS workers jolntly with Dalmulr Barclay. Pastoral Care worker Lorraine Wilson and Children and Family worker Gillian Graham are both highly regarded for the trernendous work they do for our congregation. Our Elders too are to be commended for their visitstions to the congregation especially in time of illness and bereavement. Our Mission and Outreach group hosted two Interfaith events with our near neighbours of different faiths, and both were very successful based on different themes. The summer evening walking group managed all their planned walks this year with good weather and were much enjoyed by those taking part. Our Rainbows, Brownies and Guides had another successful year and their Snowman Drive in December brought in £500 to church funds.
We regularly give to other charities With retiring offerings to Poppy Scotland, Christian Aid and this year we held a coffee morning specifically for Glasgow City Mission. The Fundraising Committee held several Coffee Morning throughout the year and had a very successful Plant Sale in May and a Christmas Coffee Morning with stslls in December. The Social Committee runs regular bus trips throughout the year which are well attended and much enjoyed by the congregation. Our services are regularly Starned to You Tube and we use PowerPoint projected onto our screens in the Chancel to enhance our worship. On behalf of the Minister and Kirk Session of Clydebank Waterfront Church, we would like to thank everyone who has given of their time, talents and money to further God's work in this place. Flnanclal Review The Kirk Sesslon slncerely thank all those who contribute each and every week to the upkeep of Waterfront. The has been a decrease in the WFO envelopes being used with many preferring to give by Standing Order. We have 33 Gift Aid contributors, please do consider this. As you check the following pages you will see we finished the year with a healthy credit balance. The following donations were received from Church groups:_ Books & Jigsaws: £200 Fund Raising: £2115 Tea Bar: £900 Brownie Guldes Dolls: £25 Snowball Drive £500 5th Brownie Guides: £150 Reserves Policy The Trustees have no policy on reserves as normal expenditure is met by incorne on a weekly basis and designated funds held. Normal Church fabric repairs and maintenance are met from the General Account. At the end of the year the Church held unrestricted funds of £977651 and restricted funds £5930 which have been provided for the purposes specified in Note 2.
Trustee's Annual Report (contlnued) Year ended 31st December 2025 Statement of Trustees. Responslbllltles The Kirk Session must prepare Flnanclal Statements which give sufficient detail to enable an appreciation of the transactions of the Church during the financial year. The Kirk Sesslon is responsible for keeplng proper accountlng records which, on request, must reflect the financial posltlon of the Church at that time. This must be done to ensure that the financlal statements comply with the Charltles and Trustee Investment (Scotland) Act 2005. the Charities Accounts (Scotland) Regulations 2006 and the Regulations Anent Congregatlonal Finance approved by the General Assemble of the Church of Scotland in 2007. The Kirk Sesslon is also responsible for safeguarding the assets of the Church and must take reasonable steps for the prevention and/or detection of fraud and other Irregularltles. Approved by the Trustees and slgned on their behalf: dated Flona Sinclair Sesslon Clerk Page 7
Indepondent Examln¢e$ Roport to the Tt0•S of Clyd•bank Wat•rfront Parfsh Church Reglstered Scottl8h Charfty No. SCQO4596. I feport on the account$ of Clydebank Waterfront Parish Church frthe Year Ended 318t December 2025 set out on p8ge8 9 10 13. 1, R¢$peetlvo r8spon•Ibiliety of Trusts•¥ and Exomln•r charfV8 Trudg88 are responsible forthe preparation of the 8ccounl8 In wjrdance wlh the tems of Ihtr Charities and Investments IS¢otland) 2005 Act and the Ch8rlties Accounts (Scolland) Regulatlons 21Y]6. The Tru$lee$ considerthat the ou¢EI requirement of Regulation 10111 Id) of the Aceounls Regul8ti¢)ns doe$ not oppls 11 Is my sponsIbIlY lo &xamine tho acLount8 as required under Section 44111 Ic) of tho Act and to $t81e whether particular matters havè come lo my allonlion. 2. Ba81s of Indend•n1 Examlnorfs Statoment My examinatlon13 carried out in accordance vrith Regulatlon 11 of the ChaTllle8 Accounts (Scolland) and 8 ts)mparison ofthe 80nIS presentsd with these records. It also includes ¢on$idorallon of any unu8ual Item$ or disclosures in the acc4Junts and 8eek8 explanatSon8 from tho Trustee8 concemlng any such matters. The procedures undertaken do not provtdg all the evidencè that would b8 raquired in an audit and, con$wu8ntly, I do not 8xpra8s an audit opinion on the account& 3. Indondent Examlnees Statsm•nt In th& ¢oui89 of my examination. no matter ha8 come to my 81tenllon: 01 which gives me reasonable c8u$e to belleve that in any material respect Ihe requlrements - to keep acU79 records in accrdanCE with 8ectlon 44111 la) ofthe 2005 Act ond Regulation 4 of the 2006 Accounts RegulatKJns. and - to prepare account8 whi¢h a¢¢ord with tho accounlirv4 rerA)rds and comply wilh RegulaOn 9 of the 2006 Accounts Regulallons h8ve not been met. OT bl lo vknich, in my opinion. èttentK*n 8houkl be dr8vm Sn orderto enable a proper understanding of the accounts to bo reached. Signed 081t Nome James MCGIII Rel8vanl profe$slonal qualrflcallo B.A¢¢ C.A. (Retired) Addres8 111 BroomhlN Drivo, Gla8gow G117NA Pagè 8
Clydebank Waterfront Parlsh Church R¢celpts and Payments Account Year End8d 31st December 2025 Unrestrlcted Funds 2025 Restricted Funds ' Total 2025 Total 2024 2025 . Recelpts Donations Legacies Activities for Generating Funds Nole 3 Bank & Deposit interest Investment income 1055 1055 1192 108963 474 295 109258 474 109 110896 33280 520 84 35076 109 110601 295 Rental of premises. Receipts from General Tnjstees Total Receipts 5360 5360 6150 115961 295 116256 41226 Payments Costs of generating funds Charitable activities 104 69135 104 69735 104 33435 Note 4 600 Total Paymènts 69239 600 69839 33539 , SURPLUS FOR YEAR 46722 13051 46417 7687
Clydobank Waterfront Parish Church Statement of Balances at 31st December 2025 Unre$trfcted Funds 2025 Restricted Funds 2025 Total 2025 Total 2024 Note Bank & Deposlt Balan¢es Bank & deposit balances brought forward al 01101125 51043 6236 57279 49592 Movement in year: Delicil of payments over receipts for the year 46722 13051 46417 7687 Bank & deposit balances carried foward at 31112r25 97765 5931 103696 57279 The accounts were approved by the Kirk Session on For and on behalf of the Kirk Session Session Clerk Treas.Jrer Page 10
Clydebank Waterfront Parish Chur¢h Statement of Balan¢88 Not08 lo the Accounts S¢4&98 1 Trustse Remuneratlon and Related Party Tran8a¢tlon$ During the year 2025 Mr Brian Grummitt . Trusts8 was reimbursed £60 for tuning and maintenance of the church piano. 2 Movements In Fund8 At1Jan 2025 At 31 Dec 2025 R•¢elpts Payments Transfer8 Unra8trictad Funds Designated Lega¢y Fund General & F8briG Fund 33379 17664 51043 33379 {69239) 64386 1692391 97765 115961 115961 Ro8trfcted Funds Flower Fund Benevolent Fund Magazlne & Publlclty Fund Sunday School Fund 735 769 2644 2088 6236 295 (6001 430 769 2088 5931 295 1600) Total Funds 57279 116266 169839) 103696 nated Funds Legacy Fund.. The Trustees have set 8$ide funds for an as yet unspeclfled purpose. Pur ose$ of R Flower Fund: This fvnd provides flowers for display during Worship. Benevoknt Fund.. This fund is for the use of the Mlni8ler. Magazine & Publicity Fund.. This is self funded and used for magazine and inshots. Sunday School Fund - This fund Is for the use of the Sunday School tea¢hers & children. Pa8e 11
Ctydebank Waterfront Parish Church Re¢eipts and Payments Account Year Ended 31st December 2025 Unrostrlcted Funds 2025 Restrlcted Funds 2025 Total 2026 2024 Actlvltles for Generatlng Funds WFO Scheme (non Gift Aid), Glft Ald Donallons Tax Recovered on Gift Aid Donations. Ordinary Offerings (Open Plate) Other Offerings, Donations etc Church Groups elc Exceptional Items 23829 23829 6407 19068 6330 270 1205 5654 1435 405 4456 5654 1435 295 700 4456 73184 109258 73184 108963 295 33280 Analysis of Payments Costs of generating funds Offering enve.cpes Charltable.activltles linislrie5 & l.Ai5sion AllocaL'.on 23474 Presbyleryi J Pastoral Expanses Family Worker Fak.ric Rep3:.-¢ & laInlEanCe Heatina and": igkitiiig lisur2nce 449 419 488 18 22872 6345 2500 Church oifice Exper.ses Organ & Music xpenSeS Caretaker & Cleaniig Klateri21s Special Dcnel.'ons Shartsd Cosis - KS. Expenses 1918 2022 2622 69735 600 33435 Page 12
SC004596 Clydebank Waterfront Porl¥h Church Recelpts and Paymonts Account Year Ended 31 Decembgr 2020 O Mlfil8tsr'9 8tlpend All Church of Scotland ngregatIorrd contribute to th8 Natnal Sllpend Fund whlGh bears the cost of all Mlni$t&ts Stipends and Employe contribution$ for Natlonal Insurance, Pension, Housing & Loan Fund. Minlslers 8tipends are paid in 8CCOTdance with the natlonal $tipend scale which is related to years of S8TVl. For the year under revlew the mlnlmum ¥tlpend wa$ £31642 and tha maxlmum 8tSpend lin the 5th and susequent years of ¥eNiCO) was £38,884 6 Collections forThlrd Partles 2025 2024 christian aid 75 christian aid gaza 143 Poppy Scotland 150 160 gla8g¢)w city mi881on 530 Rwnallah School Bursary 100 Page 13
Clydobank Watorlront P¥rl#h Chur¢h SC004566 Appendlx Fundo held by General Trugteeg Al 31 De¢ombor 2025 these are the amoun18 held by the Gener81 Tru8te85. Edlnburh 2025 £33,137 £0 2024 £35.439 £0 Consolidgted Fabri¢ Fund- R9venu& A¢count Gonsolldated Fabric Fund- Caprf(al Account 1 (Market Valuè) £379.211 Consolidated Fabric Fund- Capital k¢ount 2 Temporary Funds £365,298 £156,003 £365,298 £6.140 Appendlx Other AccouTrts Held ;. Sunday School Fund {Reslricted) £2.087 Fl¢)w8r Fund (Restricted) £430 maglne Fund (RestrTCtedl Benevolent Fund (Restricted) £769 Legacy A¢¢ount (Unre8trkted) £33.379 TOTAL £39.309 Page 14
Waterfront Parl$h Churd)- 181226 SC004566 Funds Held by General Trustees, Edlnburgh t 111125 Payments Expenditure at 31112125 50 Consolidated Fabric Fund- Rev 68934 35797 33137 55 Consolidated Fabric Fund- Cap 56 Consolidated Fabric Fund- Cap1111 365298 365298 85 Temporary Funds 170835 14831 156003 No. of Unlts Cost of Units Market Value l Deposlt Fund- Growth Fund 3,122 £9,893.23 £21,479.36 l Deposit Fund- Income Fund 847 £7.320.99 £9,647.33 Depostt Fund l- Amount Deposited £348084.15 Appendlx Other Accounts Hgld :. Sunday School Fund (Reslrkted) £2.087 Flower Fund (Restrlcted) £430 Magazine Fund IRe8tri¢tod) 88novolonl Fund (Restricted) £769 Legacy Accounl Iunreslricted) £33.379 Pa8e 14fy