St. Andrew's + St. Bryde's
Parish Church of Scotland
Annan + Brydekirk + Dalton + Hightae
St. Andrew's and St. Bryde's
Parish Church of Scotland, Annan
2025
RECEIPTS AND PAYMENTS ACCOUNTS
Congregation No: 070442
Charity No: SC010891

Reference and Admlnlstratlve Informatlon
Charity Name..
St. Andrew's and St. Bryde'8 Pari8h Church of Scx)tland. Annan
Charity Registration Number..
SC010891
Congregation Reference No..
070442
ContaGt Address..
Mr Graham Simons, Treasurer
Razani, Low Road.
Annan, Dumfriesshire
DG12 5QP
Trustees
Kirk Sesslon 2025
Rev John G. Pickles, Robert Barbour. Valerie Blake, Christine Brown. Julian Dale, Morag Dalgleish, lain
Graham. David Hopper, Isobell Hopper. Liz Hudson, Janette Irving, Jamesie Kirkwood, Phyllis lQrkwood. ￿￿111aM
Kirkwood, Christine Leadbealer, Rita Lupion, Mary Lynn, Margaret Macfadane, James Ma¢ph8r8on, Jean
Macpherson, Maureen McDiamid, Helen McGimpsey, Sheila Mclnlosh, Robert Marr, Joan Ililroy. Judith
Roberts, Corinne Sidebottom, Graham Simons, Catriona Smith, Helen Smith, Shona Starr, Hary Stevens,
Eileen Usher, Isobel Walker, Robert Wiltshire.
Non Elder Session Members.. lain Johnson and Angela Nixon
Chan
08 to Kirk Session
There have been no changes to the Kirk Session during 2025
Princi
al Office-Bearers'.
Minister. Rev. John Gordon Pickles
Session Clérk-. David Hoppr
Roll-Kee
r. William Kirkwood
Session Minute Secreta
Eileen Usher
Treasurer.. Graham Simons
Gift Aid Convener.. Karen Hewitt
Fabric Convene . lain Johnson
Inde
endent Examiner
Alan Goodwin, 39 Wndemiere Road, Annan, Dumfriesshire, OG12 6GY
Bankers
Bank of Scotland, 111 High Street, Annan, DG2 6ED

St. Andrew's and St. Bryde's Parl$h Church of Scotland, Annan, SC010891
Tru¥tee8' Annual Report Y••r •nd•d 31 December 2025
Structure Governance and Mana
Governln
Document
The Church is administered in accordance with the terms of the Unitary Constitution
Re¢rultrnent and A olntmont of Trustee8
Members of the Kirk Session are the charity trustees. The Kirk Session members are the elders of the church
and are proposed by the congregation as having the appropriate gifts and skills and subsequently confirmed by
the Kirk Session. The minister, who is a member of the Kirk Session, is elected by the congregation and inducted
by Presbylery.
ement
anlsatlonal Structure
The Kirk Session operates Quoad Omnia, is Chaired by the minister, and meets five times a year. The Kirk
Session is responsible for all matters within the church. Additionally, to achieve its objectives, the Kirk Session
has created three groups.. The Resources Group (which deals with matters financial, fabri¢, and property), The
Community Group (which deals with matters pastoral. OLrtreach, and education), and The Worship Group {which
deals with matters concerning worship). Further to facilrtate communication between the groups and to prepare
for the Kirk Session there is a Co-ordinating group {¢omprised of conveners and other offKe bearers) which
draws the three group's business together.
Ob'ectives and Activities
The Church of Scotland is Trinitarian in doctrine. reformed in tradition and Presbyterian in policy. It exists to
glorrfy God and to work for the advancement of Christ's Kingdom throughout the world. As a national Church, it
acknowledges a distinctive call and duty to bring the ordinances of religion to the people in every parish of
Scotland through a territorial ministry. It co-operates with other Churchès in various ecumenical bodies in
Scotland and beyond.
Vision of the con
re
ation
We aim to reach out in worship and prayer, being rekindled and encouraged by Ihe Fatherf love in Jesus Christ
through the Holy Spirit. We hope that we can be a true family of God trusting in Jesus to make us caring,
happy, faithful, generous and welcoming.
We aim to keep Jesus is at the heart of all that we do by being..
The Golden Thread - This describes the life of faith, God in the midst of me and those I love, God working in
our world, and Ihis worshipping community connected with the life of ils Parish. It aims to express a significant,
binding, and healing force woven through all of life. It does not emphasise its ovm importance, or expect to be
the whole cloth. but seeks to permeate throughout like salt in water.
The Singer and the Song - Describes our joy to know God in Jesus Christ and our desire to share that joy with
one another. In Christ the song expresses all elements of human emotion and ideal, ljut also the deep
redemption, healing, and hope. that comes through knowing the living etemal holy God. As singers we follow
The Singer. Jesus, as we share with each other what we have found in him and then go on to express this to
the world. It is primarily declaratory, not persuasive, and does not seek reactions but only to make the worfd
brighter in its exp￿sSIon.
The Beautiful Cut Jewel - Describes the image of the Church, as Bunyan put it'Palace Beautiful.. that finds its
expressions in many different vRys. We loo are many expressions but one in Christ. We share the cut that
Christ takes upon himgèlf on th• cross and subject ourselves to God, the master craftsman, Shaping us
through different fonns of seNice, joys, and trials. As Jesus is a living stone. and the comerstone, so too are
we through his resuffection, this leads us to want to act from our jewel like being, our beloved nature rather
than our human vices.
Activities and achievemènts of thè con
re ation.
The aims and objectives are all encapsulated with 'lhe Great Commission. of St. Matthew 28.. 19120.. viz.
making disciples, and building them up in th8 Christian Faith through Word and Sacrament in the power of
Chrlsl himself.
It is difficult to quantify°achievements' in Church terms, but we Continue lo be a witness in the Parish and
beyond through worship. pasloral care. social concern and evang81istic outreach. We have eonta¢t with a
broad mix of age-groups and strive to ensure that we are ob8ying the call of Christ.

Ourweekl Imonthl
activitlos are 8et out as follows..
Sunda
Mornln
Worshl
is weekly at 10am in Bryd8kirk Church and weekly at 11.15 am in St. Andrews
Church, Ihe latter ol which is both in-person and streamed on-llne on our YouTube channel. The 4° Sunday of
the month a parish worship service lake$ place in St. Andrews at 11.15am.
Allstars is our children's work which takes place at st. Andrews on a Sur)day morning from 11 am and
continuing through our Y￿ekly seNice. The first Sunday of the month also occa8ionally includes a breakfast
shared with the congregation and the children taking part.
Our monthly SAIt (Sunday Altogether) Service lakes place on the first Sunday of the month, bringing the
whole family of God into the onè act of worship for the whole time of its duration when a more 'relaxed'
approach is taken with live music.
Evenln
month.
rvl¢e A Sunday evening "Resl In GOO" Se￿ICe takes place at 6.30pm on the fir31 Sunday of Ihe
Sacramènls are celebrated on the 4th Sunday of February, May and October. The other 4th Sundays of the
month are used for baplisms.
Just Sin
Meet regularly on a Tuesday evening, enjoying fellowship through songs and hymns of praise.
Just Strum meet ￿gularlY on a Friday Aftemoon to learn and play Ukuleles together
Annan Court Care Home A monthly service led by Church members or the Minister takes place on the 3r
Thursday each month.
Bible Stud There are sporadi¢ bible study groups that meet through the year
Pastoral Care Phone calling around the congregation and meeting3 lo diseuss how to cor)duct pastoral car•
well took place over the course of the year.
s, Bri
ade
1#t Annan Com
an
Anchor & Junior Sections: 6 - 7pm. Se
Meets every Friday during temi time in the Church Hall:
Com
an
Section- 7.45- 1 Opm.
Coffee Mornin
Each month on the last FrKlay there is a coffee morning 10-12
ratlon Christmas Child
We are Gommitted to filling and sending shoeboxes every year- a way in which we can demonstrate Gods
love and share the gospel message to children in other parts of the wodd. Each box contains toys. personal
care items. school supplies and fun gifts. We have a dedicated team who make items all year round and
others who donate items and cash lo the costs of the boxes. We fundraise to cover the cost of seTrJing the
boxes - st is a congregalional effort.
St Andrews is a church colledion centre for others to drop off their boxes. Our project leader is also a year-
round Conne¢l volunteer contacting other churches and organisations encouraging involvement in the
shoebox appeal. We have a driver and drivers, male who are responsible for collecting shoeboxes in the
region and taking them to the processing centre to be prepared for shipping to their destination.
Each box is prayerfully filled, and have a prayer champion who prays all year round. We have a lot of fun
and laughter together and there is a sense of God leading on what we do and blessing the boxes and us.
In addition, the Minister holds various (voluntary) Cha
lainc
ointments'.-
Elmvale Primary School, Brydekirk Primary School, Annan Academy ts'ointly) Mangox North Ltd (Chapelcross -
lapsed> and Annan Court Care Hom8.
The congregation is part of Annan Churches To
ethor The ecumenical actlvilles In whlch we are involved
include.. Annual Children's Hollday Club, Lenten Bible studies & participation In a programme of Holy Week
activities in local Church88.

St. Andrews and St. Bryde's Parlsh Church of Scotland, Annan
Trustees, Annual Report {conLI Year ended 31 December 202S
SC010891
Flnancial Revlew
Our main sources of income are by sacrificial giving through offerings and donations. Other si9nifiGant income
is received through the letting of St. Andrew's Hall to a number of groups and organisations, and a long-term let
of Hightae Manse
The year end shows a deficit of £6006 across our unrestricted funds. This was in line with our budgets for 2025.
allowing forthe high costs of business rates and insurance for Dalton Church and Hall, both ofwhich are currently
un-occupied and have bèan for sale on the open market since the early summar of 20025
Expenditure, particularly on fabric repairs has been high as we begin an ongoing programme to improve the
general condition of the properties under our control.
Th@ budget for this coming year continues to identify a deficit, which is mainly sttributable to the costs associated
with Dallon Church and Hall, both of which will hopefully attract a sale in the near future Our funds are sufficient
to cover this loss in income over the short-tem and we should be in a good position to be able to balance the
budget in 2027.
We are greatly blessed and heartened by the congregation's financial support to the Church over this past year.
Looking fo￿ard, whilst our funds and reserves are healthy, we must remain mindful of the poiential shortfalls
between our everyday income and expenditure and how we can sustainably av8rt this in future years.
Reserv
The Twstees hold reserves of £16,117 which are unrestricted and a￿ for any shortfall. £8824 designated for
fabric expenditure. £15538 in investment funds and a further £137433 in Consolidated Fabric Funds.
Additionally, at the end of the year the Church held unrestricted cash funds of£651 designated to the Benevolent
Fund, £11 designated to th8 Flower Fund. and £15480 of other restrided funds, which have been provided for
the purposes specified.
Statement of Trustees, Res
onsibilities
The members of the Kirk Session must prepare financial statements whidi give sufficient detail to enable an
appreciation of the transactions of the Church during the financial year. The members of the Kirk Session are
responsible for keeping proper accounting records which, on request, must reflect the financial position of the
Church at that time. This must be done to ensure that the financial ststements Comply with the Charities and
Trustee Investment (Scotland) Act 2005, the Charltles Accounls (Scotlarbd) Regulations 2006 and the
Regulations 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 must take reasonable steps for
the prevention andlor detedion of fraud and other irregularities.
Approved by th8 Trustees and signed on their behalf,
9/•
D. Hopper Isosslon Clerk )
Date 5th February 2026
SL Andrew's Parish Church. Annan
SC010891

Inde
endent Examlner's Re
ort to the Trustees of
t. Andrew's Parlsh Church of Scotland Annan
I report on the accounts ol the Charity for the year ended 31 Bl December 2025. which are set out on pages 7 to
Res
ective res
onslbilities of trustees and examiner
The charity's trustees are responsible for the preparation of the accounts in accordance with th8 terms of the
Charities and Trustee Investment (Scotland) Act 2005 and the Charitie$ Accounts {Scotland} Regulations 2006.
The charity trustees consider that the audit requirement of Regulation 10(11 (d) of the Accounts Regulations
does not apply. It is my responsibility to examine the accounts as required under section 44(11 {¢) of the Act and
to state whether particular matters have Come to my att&ntlon.
Basis of inde
endent examiner's statement
My examinalion is carried out in accordance with Regulation 11 of the Charities Accounts {Scolland) Regulations
2006. An examination includes a review of the accounting records kept by the charity and a comparison of the
accounts presented with those records. It also includes consideration of any unusual items or disclosures in the
accounts, and seeks explanations from the trustees concerning any such matters. The proCedU￿S undertaken
do not provide all the evidence that would be required in an audit, and consequently I do not express an audit
opinion on the view given by accounts.
Inde
endent examinerfs statemen
In the course of my examination, no matter has come
lo my attention [oth8r Ih8n disclosed below"J
which gives me reasonable cause to believe that in any material respect the requirements..
to keep accounting records in a¢¢ordance with Section 44 (1){al of the 2005 Act and Regulation 4 of the
2006 Accounts Regulations, and
to prepare a￿OuntS which accord with the accounting records and comply wth Regulation 9 of ihe 2006
Accounl Regulations have not been met, or
to which, in my opinion, attention should be drawn in order to enable a proper understanding ol
the accounts to be reached.
Signature
Alan Goodwin
39 Windèmiere Road
Annan
Dumfriesshire
OG12 6GY
Date 1810212026

Parlsh of S
. Andrew's and St. B d
R•¢•l ts and Pa
ments A¢count
1•tD
eem
r202
's Church ofsco
land Annan
Iren
Unrest.
Fund$
Restrlct•d
Funds
Oth•r
Deslon•tsd
Funds
202S
Total
Total
2025
202S
2025
2024
Nole
t)onalw)ns
Legacies
Bank & D8POSIt intÈrè$l
Investment ineomo
ActNits'es for Generating Funds
59555
28704
783
89042
62144
1388
142
1388
315
1081
173
312
61085
28877
783
90745
63S37
Rentsl of premises {Church Hall)
Receipts Irorn Jamcs Stark Trust
Transfer from Consolidated Fabric Funi
Transfer of Union Balance- Brydekirk
Transfer of Union 8alance- Dalton
Other Receipts
13869
337
13869
337
14063
10965
358
14063
12227
25484
2165
1675
1675
otal Recel ts
91029
2a877
763
120689
11473G
Pa
ments
Co$ts of generating funds
Charitable actlvlties
Othor Payments
Total Pa
ments
140
96895
140
96991
25527
122658
140
110309
11584
122033
25527
25527
97035
Excess of Payments over Recelpts
for the y•or before Iransfern
Excess
of RK•ipts
ov•r
Payments for the year before
transf•r•
Fabrfc
4006
3350
-2656
-7709
687
412
Transfern
1024
-1024
006
4374
-337
-1969
-7297

Parlsh of S
ATrdr•w'$ and St. D d
St•t•ment of Balanc0$
31st December 2025
Church
3Gotl nd Annan
Unrestricted Restrlcted
Fund$
Fundg
Other
Dtslgnated
Funds
2025
Total
Total
2025
2025
2025
2024
Notg
ank&De
oslt Balance8
Bank & deposit balances
brought foThwdrd
39303
15166
14747
69216
76552
Mov•m•nt In y•ar:
Excess of Receipts over Payments for Ihe year
4006
4374
-337
-1969
-7297
Bank & deposit balances
carried forward
33297
19S40
14410
67247
69255
Inv•$tm
at market value
ReseNe Fund Icosl £4311)
Gen PuTpose$ Fund {¢osl £4.9981
5239
10299
5239
10299
2820
11818
Gift Aid R￿etVable
Brydekirk re-charge receivable
5716
5716
4035
S716
S716
4035
Llabilitios
Cost of repair not yet billed
Thè accoijnts were approved by the Kirk SesS￿n and Congregats'onal Board on 51212026
For and on beha
f the Kirk Session and Congre9ational Board
Session Cleik
Treasurer

Pirl
. Andrew.
ot•1 to th• Accoun
1. Trustee R•mun•rntlon ind Related Party Transa¢tlon8
Durirg the year 2025 two Iwslee5 received reimbursemenl of expenses incurred lotalling £4284, whi¢h induded
Council Tax of £3204
nd St. B d•.8 Church of S
land Ann
2. Movements In Fund$
At1Jan
202S
At 31 Dec
2025
Re¢¢lpts
Payments
Tran$fer8
Unre$iffjcted fund$
CoS.Inv.Tr.General Congr. Purposes (Sl.Al
Cos. Investors Tru51 Fabric Fund ISI. AI
Cos General Purposes {Bl
Cos ReSe￿e Fund ID)
Cos Fabrlc Fund {0)
Cos General Fund (DI
Benevolenl
Flower Fund
General Fund
9401
6716
16117
3000
1763
4763
1503
-1503
5096
-5096
1688
-1688
50
459
144
17962
39303
376
451
90060
91029
185
650
11
11756
33297
96266
97035
Restrlcted Funds
Fabric
Media Fund
Tear Fund
Improvement Fund
Hardship Fund
5000
2179
28332
1200
554
-1382
21775
1132
640
1980
11557
2247
938
1024
3362
737
737
11278
28704
25527
other Deslgnated lund• wlthln the Congr•gatlon •nd held In $•parate accounts.
Organ Fund - C of S Inv. Tfst. Deposit
3888
173
Cos HarvesllHardship} Fund {D) As at 916124
728
32
St.AndreYls P.C. & Sunday Club Aid Account
834
190
St Andrevls P.C.Sunday Club
1142
58
War Memorial Deposit Aecounl (RBSI
738
Dallon & Carrulherstown S¢Jnday School
2808
MemorialFund{CoSI Ollnchurchyard
8497
1024
15479
4C61
760
-1024
1104
738
2933
8875
125
378
18635
956
-1024
18471
Total funds
G9216
120689
122658
67247
Page 9a

,ol o. Iiiv••ior• Trii•t O•n•iil Aooounl IliiAivA fiinili Iiii f,tJiiui#u#ll(Jnil puiiioi••
c.ol 8, Inv.YAt.VAlJrlo Ilund - Fundi *•1 M#lil# l()r Ili• In#lMloiir4riri# nl Ihw P,l?iJinh pr¢Jp•rly
C ol B, R•••r¥• Fuiiil . finB•rv• fiinili lor r.oiioi#uAlliJn#l PlllP(Ii•i
B•n•¥ol•nl Pund I'114 Trii•l••i hiv• i•1 #•lda lund• lor •dinlnl•ltsiliiu uoodwlll IIJ m•mlJ*i• &nd non
momb•r• ol th• ¢ongr•gNllon.
Plow•r Fund, DDn•lloni lor cnuroh Fiow•ri
l•brlo don#iion• ipgollloilly lo b• iJi•d low•rd• fahilo r•pilr ind upurAd•
M•dl• . Puiolitt•• DI IT aqulpm•nl And ai•oolAli(I cull•
T••rfund lo ¢ommll lo p•yln9 • monthly ilo lo T••rlund lorf, Chlldr•n @Rl•k"
Hird•hlP - Fund for dl•lrlbullon lo h•lp lh• no•dy Q th• mlnl•l•f • dl•cr•llon
Org•n Fund r•••rv• lor m•loi ofp•n r•pilf•.
C. 018. H•rv••t Ifund . Fundi lor dl•lrlbullon lo h•lp lh• n••dy ol D•llon & Hluhl•• •1 th• mlnlil•rf• dlvA•tlon
8t.Andr•w'• 8undiy Club Ald Ao¢ount . lo commll lo p•ylng i monlhly •lo lo T••rfund for Chlldr•n QRl•k'
Wir Momorlil D•po•lt . Brydoklrk Annuil wfoalh lor Aom•mhoranc• 8und•y b•qu••l
8t Andr•w'• 8und•y Club . lo promo1• Chrl•ll•n Idiiethllon wllhln lh• P•rl•h
C. of 8. D•lton & C•rrulh•rn 8und•y 8ehool •coount lor ui• by D•llon & C•rrulh•r• p•rl•h
C. of 8. M•morl•l Fund - D•lton Churtthy•rd. . Cndowm•nl• b•qu••lh•d lor lh• m•lnt•nanrA ol f•mlly gr•v••
P•p• 9b

Unrestrf¢t•d R•$trfct•d
Funds
Fund$
oth•r
0oslgnat•d
Funds
2025
Total
Total
2025
2025
2025
2024
3. Analys1$ of DoTratlon•
FWO Scheme (non Gift Ajdl
Gift AKI Donation5
Tax Recovered on Gift Donations
Ordinary Offerings Iopen Platel
Other Offerings, Donations etc
1339
30149
9786
8073
10208
59555
1339
30149
9786
8073
39695
89042
1406
29848
9340
28704
26704
783
782.65
14706
62144
4 Analy818 of Other Incomo
Utility Rebjnds I Insurance Claim
5 Anatysls of Payments
Costs of gonorating funds
Offering envelopes
111
111
140
140
140
140
140
140
Charitable activiti•s
Giving lo Grow
Presbytery dues
Broadband
Manse other expenses Incl tdp
Ministerfs travel expenses
Pulpit suppty
Other staffing costs
Improvement Fund
Media
Adapt & Thrive
Fabric {Restricled)
Hardship Fund
Fabric repairs & maintenance
Fabric repairs & maint.-Manse
Council Tax
Busine$$ Rates
Heat and light
Insurance
Mission & outreach
Organ & music
Prfnting, stationery and Postage
Other expenses
Partiesrrrips
SubscripiionslDonalions
43803
1524
398
43803
1524
398
41)073
1205
369
781
1058
1321
7764
996
1193
5649
996
1193
1980
1132
640
21775
1980
1132
2103
381
9100
21775
10074
2274
3204
1935
6398
8365
198
744
1351
7925
10074
2274
3204
1935
6398
8365
29975
8032
2951
1050
5894
4304
744
1351
8021
720
678
3634
500
121893
96895
25527
122518
Go¥•m•n¢• ¢o•t•
Independent 8xarnirnrf• fe•$
Other paym•nts
Purchase of Assets
Purchas8 of Investments
96895
25527
122518
121893
Page 10

5. Mlnlst•V• Stlp•nd
AJI Church of Scotland congregations corslribule lo the National Stipend Fund which bears the costs of all mini$lers'
stipends and employers conlnbulions lor nallonal insurance. pension and housin9 and loan fund. Minisler8' stipends are
paid in accordance with the natlonal sts'pend scale,which is related to years ol servlce. For the year under ￿VIeW the
mlnimum sts'pend was £32,433 and tho maxium stlpend (ln the 5th and subsequent years) is £39,856
2026
2024
6. Colloctlons for Thlrd P•rtlo•
ACT Holiday Club
Kate's Kitchen (Haryestl
Operation Xmas Child
90
35
50
Sub Total
17S
CCAP (Rainbow Trlbe & Spectrum I
Total
175
Note 4 - Receipts & Paym•nt AccouThl
Other Receipts
2024
2025
Misc Don & Income £700.00
Conts¢tle$s l Online Donations £303.19
Benevolent £559.00
Flower Fund £603.00
£716.37
£131.40
£376.62
£451.00
Total othor R•celpts £2,165.19 £1,675.39
Page 11

Parish of St. Andrew's and SL Bryde'8, Church of Scotland. Annan
APPENDIX
FUNDS HELD ON BEHALF OF THE CONGREGATION
BY THE CHURCH OF SCOTLAND GENERAL TRUSTEES
2024
2025
CAPITAL ACCOUNT
561 Consolidated Fabric Fund (Credit balances at cost - £83795.60
Matket Value of Balances at 31 De￿mber
100687
104645
REVENUE ACCOUNT
501 Con$olidat•d Fabrie Fund
Credit Balance at 31 December
34752
32788
Brought forward
28422
34752
Net Income 2025
6330
12099
Transfers
14063
Notes
The note only requires the year end figure for each year to be shown. Detailing the movements
is not necessary but can bo shown as additional disclosure il considered appropilate.

ooo
J ¢0