2025-09-30-accounts

Report of the Trustees and Unaudited Financial Statements for the year ended 30 September 2025 for St Mary's Episcopal Church, Dunbiane

St Mary's Episcopal Church, Dunblane

Contents of the Financial Statements for the year ended 30 September 2025

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St Mary's Episcopal Church, Dunblane Report of the Trustees for the year ended 30 September 2025

Eee The trustees present their report with the financial statements of the charity for the year ended 30 September 2025. The trustees have adopted the provisions of Accounting and Reportingby Charities: Statementof Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 01 January 2015).

OBJECTIVES AND ACTIVITIES

The objectives of the Vestry are to advance the mission of the Christian Church, through worship, service and fellowship. These objectives are carried out through mission and pastoral activities. The principal activities ofStMary's are public worship and the spiritual development of its members.

Donations are made regularly to charitable causes that provide benefits to disadvantaged individuals in Scotland, the rest of the United Kingdom and overseas. In carrying out its objectivesthe Vestry depends on the contribution, both human and material, of many volunteers from the congregation. Activities carried out include preparatory to and during worship, service on sub-committees and through group activities, the maintenance of premises and fabric, and a variety of pastoral and social activities. These contributions are all highly valued and all members of the congregationare encouraged to, and many do,participatein them. ACHIEVEMENT AND PERFORMANCE Rectors report During this year when we've marked the 180th anniversary of our church, | have often wondered what its founders would make of the life of St Mary's today. One thing | know that we have in common with them is that we are ready to invest our time, energy and resources to grow the church and put our faith into action, guided by God’s Holy Spirt. The founders of St Mary's regularly invested in improvements in ordertomake the church buildings more useable and attractive. Just forty years after the church was built in 1845, the west window was replaced by a largon e tor let in more light and ten years later the sanctuary was extended to accommodatethe choir. In the years that followed, pews were installed in the nave, the organ moved from the back of the church to its present position and the vestries added. In recent years we have continued in this tradition, seeking above all to improve the accessibility and energy efficiency of our buildings. This year, thanks to gifts, grants and legacies, new lighting and electronic doors have been installed in the hall, anc work is being done to refurbish and better insulate the two vestries in the church. The founders of St Mary's invested also in people, not only employing a choir master and organist, but also paying regularly for visiting preachers from far and wide. The latter would have provided variety, something we aim for in our services today. Thanks to our growing Ministry Team both lay and ordained, we have continued this year to offer worship which appeals to a wide range of people of all ages and church backgrounds. During the last twelve months, we have also put on a number of courses and events in person and online that enable our members to grow in prayerfulness and discipleship, ranging from studies of the Creed and the Lord’s Prayer to explorations of environmental issues and Ignatian reflective practices. Three years ago, we decided to invest in a curate. This year, Reve {Mas continued to develop our ministry among children, young people and their families along with the leaders of the Young Church Team. Together, they have ensured that the voices of the young are heard by the congregation and in the wider community. For me, the youngsters’ imaginative Lenten project, raising awareness of the plight of the people of Gaza which received such an incredibly generous response, was one of the highlights of this year. The founders of St Mary’s served the local community by investing in a free school for children in Dunblane who were living in poverty. Today we seek to work in partnership with others to help support those in need here in Scotland and across the world. We have continued to raise funds for Aberlour Childcare Trust, to knit hats for farmers and seafarers, and to be a hub for collections of gifts for asylum-seeker families in Castlemilk, for women in HMPStirling, and for children in westem Ukraine. Our Harvest Appeal this year provided support for projects of our twinned dioceseofAmazonia as they work with indigenous people to combat the destruction of the natural environment and oftheir way of life. We now host a bi-monthly Repair Café in addition to playing a crucial part in planning and running Dunblane EcoFest which has grown into a fortnight of events involving dozens of local and national organisations working together to raise awareness in our community of environmental issues. We have also held social events, including a St David's Day Supper and a Summer Picnic, to which members of the congregation could invite friends, neighbours or relatives to give them a tasteof the lio f thee church.

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St Mary's Episcopal Church, Dunblane Report of the Trustees - continued for the year ended 30 September 2025 snes

Le

Rector's report - continued

The founders of St Mary's had a vision and were ready to invest their time, energy and resources in building a brand-new church and school for the people of Dunblane. Almost two hundred years later, my prayer is that we would be inspired by them and share their readiness to listen for the guidance and encouragement of God’s Holy Spirit as we continue to discern how best to live our faith as a worshipping community. | present you with the annual report for St Mary’s for the year 2024-25, with thanks to all who have contributed to it.

Worship

Services

The Ministry Team continues to provide three Sunday services every week in a variety of styles, from traditional said and sung eucharists to experimental gatherings on a range of themes and topics. The congregation has grown again in numbers despite having lost some of our most faithful older members through death during the year.

One of our losses wa who had served the congregation of this church for almost thirty years — for a decade in the 1980s and 90s and then after her retirement from the Central Fife Churches in 2006 until her death. Her faithfulness to St Mary’s was extraordinary to the20 ”~—<‘si‘iaaeee to lead worship at theprovide morning services along with the CurateElond the Rector.[iy occasional support at the 8.30 a.m. service. The Night Church Ministry Team has grown with the addition iii G0 has received permission to officiate at St Mary's, and the authorising(i as Lay Worship Leaders. Seven new Lay Eucharistic Ministers were also authorised this year and the number of those volunteering to read and lead intercessions at our services has grawn to over thirty.

Another loss this year was the retirement ofEwho had been St Mary's organist for over 40 years. We are grateful to our Music Leader,| sO stepping in along withEnd visiting organists. Several of our young musicians have contributed to worship at our Whole Church Services and members of the Boys Brigade accompanied our Carol Service, Christian Aid Celebration and Harvest Songs of Praise. GE joined us on 1st June for a special eucharist to celebrate the 180th Anniversary of the church. During the service an icon created by the late {I gifted by her husband, Hugh, was dedicated by the bishop. Another generous gift intended to enhance the church as a place of worship is the new stained-glass window given by the Stone Wigg family in memory of ee hich was dedicated at a special service on 28th June.

We continue to seek new ways to enrich our worship and to attract new members. This year we have reintroduced the Prayer Tree which enables members and visitors to the church to leave prayer requests which are prayed after the 10.30 service every week. We have also experimented with worship in the hall and have introduced some early evening services with refreshments to which friends and family could be invited.

Revd Nerys Brown

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St Mary's Episcopal Church, Dunblane
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Report of the Trustees - continued
for the year ended 30 September 2025
0OOOOEOE
ACHIEVEMENT AND PERFORMANCE - continued
Livestreaming
We have continued to livestream the 1030 service each Sunday. There have been a few occasions when we we've had no-one
available to do this but we've never yet streamed a service with no live followers. Technically there have been occasional
glitches. If we try to play a video from PowerPoint onto the stream, the laptop that we use exceedsits capacityto multitask.
Even witha less complex service, the video occasionally freezes saying “CPU overload” but this only lasts a few seconds.
While people find it helpful, and we are happy to continue this, the fragility of any service provided by too small a pool of
people is evident. The procedures that have evolved are perhaps too complex, pre-preparing the service on the computer with
words of hymns etc. may put off others irom volunteering. Other congregations are less complex in their streaming, some put
out the service sheets online to accompany a simpler livestream, yet other (mainly very large) congregations are even more
elaborate.
tn January, the congregation moved into the hall for worship. We attempted to live stream there, but the old sound system in
the hall showed its lack of flexibility and this was not very successful. Should we wish to do the same in futurewe are confident
that the upgrade to the sound system will be helpful to the live-streamers and to the musicians.
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Church Flowers
We are incredibly grateful for those peoole who helped to decorate the church for a few special services such as Christmas,
Easter and the Harvest Festival. We also wish to thank the Vestry for allocating money for purchase of flowers and to those
membersof the congregation who havedonated money to the Flower Fund.
Congregational Spiritual/Educational Activities
Online Groups
The Chosen
Since the last AGM, a group of us have met virtuelly, watched and reflected on Season 4 of The Chosen. The underlying theme
was about timing and persuasion. Ramah is murdered, and Jesus does not heal her, whereas Lazarus dies and 3 days later Jesus
restores him as his last sign of who He is. Bitterness, pain, and anger smolder where He is seen to be absent and yet wonder,
joy and gratitude abound amongst Lazarus’ friends and family. Lamentand Praise are both part of our human condition and do
not change who He is - He knows all about our suffering through His own.
Sensible Shoes Virtual House Group
Now in its Sth year, we are still walking our journey of faith together in this virtual group for women. This past year we have
been exploring the work of Margaret Silf and her book 'Landmarks' which brings Ignatian reflective exercises to life. We then
went on to read about Mariann Budde's faith journey through the book 'How we Learn to Be Brave' and were struck that
sometimes we are asked to stay where we are and do good things at home rather than always feel we should be doing more
somewhere else; "it is possibleto make a lasting difference in the world by tendingto one small cornerof it" (p23). We also
enjoyed a retreat together in Edinburgh withon Lament and felt emboldened to share her teaching at
a Night Service on the same theme. At times we also meet in person and last Christmas had a special evening using the ancient
Japanese art of 'Kintsugi' to reflect on how broken things can be made beautiful.
In Person Courses and Events
The fortnightly Living the Questions course is going from strength to strength with up to twenty-five participants, mostly from
St Mary’s and Dunblane Cathedral, meeting at the Church Hall on Tuesday evenings to eat and pray and explore some of the
challenges and mysteriesof our faith. Aseries on the personof Jesus in the first half of the year is being followed by a study of
the relationship between science and theology. During the summer months, the group chose a book on Christian approaches
to Climate Change to read together, meeting in person and on-line for discussion and sharing their responses at a Night Church
service. In addition, two short courseswere offered by members of the MinistryTeam on the Lord’s Prayer and the Creed.
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Quiet Afternoons

Having completed a series of reflections on The Four Elements, some sessions on Thin Places are being planned in preparation for the church pilgrimage to lona next June.

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St Mary's Episcopal Church, Dunblane Report of the Trustees - continued for the year ended 30 September 2025

a ACHIEVEMENT AND PERFORMANCE- continued Engaging with Children, Young People, Young Adults Children, Youna People, and Families 2024-2025 St Mary's ministry among childien, young people, and families, hascontinued ta develop this year.lhve been active in all the local schools, and the young church team have provided extensive opportunities for formation emong the young people and chidren in church. We maintain connections with a number of families on the fringes of the church communityand offer support to them in a varietof wa y . We hopeto continueto see these ministries flourish in the year ahead, though we also know that it will be a season of change and transition, particularlyas Revd Rachael moves on. Young Church and Tots Church Tots Church meets regularly in the hall as well using the Diddy Disciples resources which includes age-appropriate action songs, bible readings, and games. Both groups came together this Autumn to think about what ‘Ubuntu’ means - ‘lam because we are’ and used our local outdoor space of Holmehillto worship outside and think about ‘Eco-Ubuntu.’ This is such a pertinent concept in a Church community,and our youth missionstry to make it a living, mot just theoreticel, concept. St Mary's Young People Young Church Every Sunday during term time you will find a group of Young People in The Rectory exploring their faith through fellowship, bible readings, discussion,and action. Faith in Action has been a key theme this past year as the children were inspired toraise awarenessof the Bishop'sLent Appeal for Gaza through a set of activities. They ran, stayed silent for an hour, camped out, and washed cars all for the Dioceseof Jerusalem. They then went on to learn about and prepare their awn Sermon for Sanctuary Sunday exploring life as a Refugee and what they can do to help. Mini Church Mini Church (MC) (formerty Tots Church) has been running since August 2024, and we have now completed one full cycle through the materials. The children and parents have become comfortable with the format, have learned the repeated tunes and songs, and have formed a little community of friendshipand support amongst themselves. In the summer of 2025, it was agreed to begin to transition leadership of MC from{fo a long-standing young church volunteer, in the hope of ensuring its continuation after {leaves Having another family or two who attend would also makeit more viable in the longterm and more publicitywill be done to encourage new attendees, The area at the back of church for young children was also developed this year with the introduction of play church materials, kindy supported by congregation members who created a play bench and miniature furnishings. This has been admired and used by many (children and adults alike} and has encouraged our young children to explore church through play. Families Whole-church services are offered approximately once 2 month and aim to involve as many young people as possible ina service that is engaging to people of all ages. They are creative and interactive, use an accessible liturgy, and encourage congregational participation. Acrucial aspect of whole-church services is the worship band and St Mary's is grateful toJ HEFo: coordinating this. Attendance at these services tends be high and feedback very positive. Ouring the season of Creation, Young Church and Mini Church came together for “Church in the Forest” a multi-generationa!, outdoor expression of church wherethey thought about what ‘Ubuntu’ means -'l!am because we are’ in our local outdoor space of Holmebill This is such a pertinent concept in a Church community and our youth missions try to make ita living, not ofjustthe theoretical, aims is to concept. offer worship This thatwas wellis accessible received, andand it isengaging hopedfor canwhole be repeatedfamilies, part witha w i dercularfor invitationfami l iesy t o fthepeople community. who are One neurodivergent. Schools Ministry a1On and pa: | supporteeto the schools mninisters in theacross town.Dunblane They have as part delivered ofthe assemblies chaplaincy to team which Newton and offers DunblaneChristian Primaries, made classroom visits to and led end of term services with St Mary's Primary, and presented “moving-on” resources to P75 at Newton. St Mary's also co-ordinates the production of the Christmas and Easter Journey interactive bible-storytelling weeks for primary classes, with both weeks drawing teams of lay people togetherfrom across the churchesin Dunblane. A successful “Pancakes to go!” event was run on pancake day, offering free pancakes to pupilsand carers from St Mary's Primary, with a great atmosphere and easy flowing conversation as people gathered outside the hall atStMary's. At the High School, Rachael was chaplainto S4 pupils, now to S3, and Nerys has been chaplain to S1, staying with them as they became $2, Visits to PSE and RMEclasses are offered rather than whole year assemblies and this is allowing to better get to know pupils and teachers and have been well received. Together with the rest of the chaplaincy team, hour long Christmasand Easter everts were provided for S1 to S3 pupils and will be again in the current academicyear.

St Mary’s Scottish Episcopal School It has been another difficult yearfor the schocl with the numbers of pupils further reduced. The church has continued to host Parent Council meetings in the Rectory and to seek to support pupils, staff and families as we are able. The café run by parents in the hall 3 part of Eco Fest was once more @ successful fundraiser for the Parent Council and other events organised by them are publicised by the church. Parents are appreciative of our practical help and of the pastoral support offered by Nerys and Rachael.

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Report of the Trustees ~ continued for the year ended 30 September 2025

ACHIEVEMENT AND PERFORMANCE - continued

Supporting the Life ofthe Church Monday Gathering During the last year, the Gathering has met on almost all first, third and fifth Mondays each month. Sadly, we lost7 el the group, who have all passed away, this year. The groupof 6 - 12 ladies meetin the Hall meeting room for tea, coffee, chat, crafting and prayer. A Visitor in the last year was Peter Fitzgerald from The Mission to Seafarers who camete collect woolly hats, knitted by the ladies, for the Seafarers. He gave an interesting report on the Mission’s work. Cards for Mothers Union funds, have also been on sale at our meetings. The Mother's Union is well represented at our meetings.

Mothers’ Union During the past year we have lost a much-loved member,thE sic has sadly been missed. Members have kept themselves busy knitting hats for farmers (with an emergency RSABI telephone number sewn inside). They have also knitted many hats for the Mission to Seafarers. Recently 71 hats were passed to them at the Monday Gathering. The Mother's Union Big Give held in the summer, doubled all donations given. We were able to donate £50 from the sale of Mother's Union cards (made up to £100). We continue to support the ladies in HMP Stirling, a few times each year taking a carload of items to them. These include towels, some clothing including socks, nix and t-shirts, bags, and toiletries. At Christmas time, chocolate is also included. At a recent meeting members decided toraise funds by holding a cake and card stall following the 10.30 service four times a year. The first one raised an amazing £105. We look forward to 2026 when the Mother's Union celebrates 150 years since it was formed by Mary Sumner, a vicar's wife based in Portsmouth. Since then, Mother's Union has spread to over 80 countries worldwide.

Men's Group

The group has met most months in the last year. We have migrated our meetings into the rectory, at present. The popularity of St Mary’s Hall and the enthusiasm of the Taekwondo people did not lead to quiet meeting surroundings. Following on from last year, the group have continued to support entrepreneurs all around the world. Here is the Lendwithcare summary:

wtembers:	Loanedtotal:	Donatedtotal:	Numberofloans:
4	£1,431.35	£234.33	34
Shr	©	e	x *
Angels:	Erarepreneurs helped:	Familymembers helped:	jobscreated:
1	68	134	28

Of the 68 loans made 11 have been repaid in full, allowing the funds to be loaned to another entrepreneur. Complete repayments have come from a wide spread of countries — Ecuador, Philippines, Vietnam, Togo, Zambia and Paraguay. Discussions at the meeting have been wide-ranging around a number of interests of our members — Africa, New Scots, and the Nicene Creed have got a mention.

Church Magazine

Over the past year we've published another 10 issues of our church magazine, monthly except for double issues covering December/January and July/August. The size of each issue varies a lot, the largest being the 36-page April and October 2025 issues, and the November 2025 Issue being the smallest at just 16 pages. The average page count per issue has risen slightly again from the previous year, from 24 to 26 pages. The rectory photocopier has performed perfectly while printing, collating, and stapling the magazine over the past year— it’s nice when things just “work”! Thank you to EEEand everyone else who contribute to the magazine each month, both those with regular columns and those who write occasional but interesting articles on all sorts of subjects relevant to the life of St Mary's and the congregation.

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Report of the Trustees - continued for the year ended 30 September 2025 aETTITEREEREEREEEEEERREERE——_ TTI TTT ae

ACHIEVEMENT AND PERFORMANCE - continued

Sunday Tea and Coffee

Members of the 10.30 congregation enjoy the tea and coffee laid on after the service, an opportunity to get to know each other in a warm and welcoming atmosphere. This is prepared on most Sundays by a small band of volunteers which seems to get smaller all the time due to a variety of reasons. If you can help in any way you would be welcomed with open arms. A big thanks goes out to those that already help. We are also extremely grateful to pupils of Queen Victoria School for their support and especially to members of the Boys Brigade who host a monthly Coffee Morning with home baking for us.

Church Website

In 2024 Vestry commissioned UKchurches.co.uk to design a new website and manage the site going forward. Subsequently, UKchurches.co.uk have produced a new design for St Mary's website that is suitable for PCs, mobile phones and tablets. The website is now up and running with good written content and quality images. UKchurches.co.uk now manage the website domain and linked email addresses. The setting up of a donation page is currently underway.

Supporting Others

Tea and Toast

Tea and Toast continues to meet on Thursday mornings, offering a relaxed environment for parents and carers to support one another, while their young children are catered for through toys, games, and activities. A small team of volunteers seeks to aid the adults by offering a listening ear and engaging with the children. We started the year with up to ten family groups attending and had a very successful Christmas party in 2024. Numbers have fallen again since then back to 5 families, but it is a crucial space for them in which to share their vulnerabilities and experience acceptance. A long-standing volunteer to whom we are very grateful has had to step back, and we have had a new volunteer who brings lots of valuable experience has started with us this term. Again, the viability of the group may depend on attracting new attendees and a publicity push will be undertaken in the Autumn. regularly meets with some attendees at other times to offer further pastoral support.

Living With Loss

Whilst continuing to promote the service for people who are struggling because of the loss of a loved one, no meetings have been held. A review is planned for the spring.

Castlemilk Link

This year St Mary’s has hosted2 visits from the Castlemilk Integration Group to Dunblane. These were in May and September. Both consisted of about 30 people, a good proportion of them children. The weather was kind and the visitors enjoyed Holmhill, the Laighills and the river. Although we have been hosting visits for 3 years, the majority were first time visitors. St Mary’s has also sent 6 vanloads this year of donations from the local community, for refugees and asvlum-seekers in Castlemilk.

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Report of the Trustees - continued for the year ended 30 September 2025

ee

ACHIEVEMENT AND PERFORMANCE - continued

Wider Involvement

Lay Representative Diocesan Synod 2025

The focus of Diocesan Synod 2025 was the 5-10 Year Plan in particular continuous ministerial development; developing lay ministries; encouraging vocations and caring for and resourcing those in ministry. Various reports from groups such as the Diocesan Building Committee and Net Zero Church, were presented and can be found online: https://standrews.anglican.org/diocesan-synod-2025/(dress to synod based on the five loaves and two fish, emphasised that although resources are stretched we have great riches to do God’s work in the diocese (‘from scarcity to abundance’). The question he asks us to ponder and address is, “What do we need to change here today so that we have a church here tomorrow?”

In July there was an extraordinary synod meeting to review and make a minor amendment to Canon Four, Of the Calling and Election of Bishops to Vacant Sees. The Diocesan Synod voted 100% in favour of the alteration.

Christian Aid At St Mary’s, Christian Aid activities/ inputs have run throughout the year, roughly in parallel with church activities sometimes in unison with church activities and at other times, input was from the wide range of aid work undertaken by Christian Aid. 2025 marked 80 years of Christian Aid, initially supporting refugees in mainland Europe after the 2nd World War ended. The Dunblane Christian Aid Group Annual Service was this year hosted by St Mary's. HB cad of Christian Aid Scotland was the speaker. We were encouraged to plant a “Tree of hope” in recognition of Christian Aid reaching 80 years — we were grateful to St Mary’s agreeing to our[flowering][ cherry tree][being][planted][at][ the][ end][of][ the][ service.]

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The current financial climate has resulted in a reorganisation of ChristianAid activities worldwide. Some Edinburgh office
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faces left.

In addition to Christian Aid Week, in Dunblane, a coffee morning is held at the beginning of January each year. Total funds raised from these events was over £9000.

Lifeand Debt: Christian Aid Week funds for 2025 were dedicated to the Maya people in Guatemala, in particular towards enabling women to trainothers onthe MILPA) The Maya population are indigenous, and it could be said that their way of life has been practicedfor millennia. There MILPA system fuses sustainability, climate resilience and environmental preservation. Christian Aid participates in the worldwide promotion of Prayers for Peace in the Middle East. Each month we take time to hear from partners and friends of Christian Aid and pray for a just peace in Israel and the occupied Palestinian territory. As this is written prayers are being answered in Gaza.

In addition to PRAYER and ACTION, Christian Aid offers ADVOCACY. In September, Humza Yousaf MSP chaired a discussion to explore the global debt crisis. To put debt challenges in perspective it was only in 2006 that the UK second world war debts were finally repaid. While the UK first world war debts were wiped out during the Great Depression. The Jubilee debt campaign in 2000 resulted in eligible countries having their debt repaid by the IMF. In May 2025 the High Court in London ordered the government of South Sudan to repay a $657 million debt arising from trade-enabling infrastructure and Covid pandemic support debts. So, it’s a real mixed bag of strategies that have been used to manage debt over the years.

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St Mary's Episcopal Church, Dunblane Report of the Trustees - continued for the year ended 30 September 2025 ACHIEVEMENT AND PERFORMANCE- continued Carefor the Congregation Pastoral Care Members of the Pastoral Care Team continue to visit and offer communion to those members of the congregation who are unable to attend church because of frailty or sickness. This year, another team has been formed to offer prayers for healing and wholeness alongside the clergy during communion at the 10.30 service once a month. Members of the Healing Prayer Team also take it in turn to respond to the prayer requests on the Prayer Tree weekly. Both teams meet regularly with the Rector to review the service we provide and pray together. Services have been held duringthe year at>.< North Care Homes, organised bythe two Worship (esders, Protection of Vulnerable Groups St Mary's has a total of eight members of the Ministry Team and nineteen lay members actively carrying out Regulated Work with Protected Adults and/or Children & Young People. The lay members are involved with one or more of the following: The Pastoral Care Team, The Monday Gathering, Living with Loss, Mini Church, Young Church, Youth Group and Tea & Toast. All involved have the relevant Disclosure Scotiand PVG certificate. The new law, the Disclosure (Scotland) Act 2020 changed the disclosure system in Scotland. Asa result of this there were changes to Disclosure Scotland guidance for regulated roles from 1st April 2025. The Rector and St Mary's PVG Co-Ordinator worked closely together to ensure that the members of St Mary's, involved with working with children and vulnerable people, were complying with the newlaw and following the Scottish Episcopal Church's PVG Scheme Guidance. The required safeguarding information, contact numbers and posters are clearly displayed in St Mary's Church porch and the church hall.

It is especially important to remember it is everyone’s responsibility to protect the vulnerable and all those working in and using the services that St Mary’s provides.

Health and Safety Over the year 6 hazards reports have been investigated and one risk assessment completed. Sadly, two of the hazard reports were recurring. Other work by the vestry over the last year has been mindful of health and safety. Cutting back the rectory lane hedging improves visibility and gives the opportunity for appropriate future signage. At present cycling is banned in the church grounds while car traffic risks are completely risk free from a signage point of view. There is an opportunity for 2 comprehensive updated risk assessment covering pedestrian, mobility aid, cycle and scooter and motor vehicle movements. Caring for the Church’s Assets Property Members of the Property Group are to be thanked for their efforts throughout the year to progress the work of improving the church building, the hall and the grounds. The entrance to the hall has been refurbished followingthe instalment of electronic doors, providing a welcoming area, and the failing fluorescent lighting in the main hall has been replaced by energy-efficient LED lights. In the back entrance to the church two small and rusted metal framed windows have been replaced by double glazed units and all the windows in the extension have been secondary glazed and their frames repaired and painted. The accessible toilet has been refurbished and a new sink and water heater installed. Permission has been granted by the Diocesan Buildings Committee for the floors of the twe vestriesto be insulated with a plywood substrate. A durable vinyl will be laid in the Old Choir Vestry and insulated carpet tiles in the Priest’s Vestry. Lined curtains will also provide warmth in both rooms, and faulty radiators will be replaced. A panel heater will be installed in the Priest’s Vestry where the walls will be repainted, the fluorescent light fitting replaced with an LED central light and wall-mounted electrical power and IT dado trunking will be installed. As part of the works, the electrics to the church and vestries are being checked as part of providing an Electrical Installation Condition Report (EICR)" which is required. It is hoped that this work will be completed by the end of the year. Provincial and Net Zero grantswill cover some of the cost and the rest will be paid by donations and legacies. This year’s project to develop the church grounds has involved cutting back the driveway hedges by half to improve access for drivers and landscaping the area in front of the Rectory so that it can be used by visitors to the grounds. Unexpected, substantial expenditure was incurred when it was found that the oak tree on the Rectory lawn needed to be felled following storm damage. The group is currently investigating ways of providing better access to the lawn for wheelchair users and safer access to the hall. More work needs to be done in the year ahead to improve the appearance of various areas and to make the grounds as maintenance free as possible.

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Report of the Trustees - continued for the year ended 30 September 2025

i Property - continued Church Hall: This has been a very positive year for the hall with an increase in bookings and significant work having been undertaken on the entrance, on lighting, and, most recently, on the sound system. With pust-button access, the new doors have greatly improved accessibility, and the redecorstion of the entrance hall makes it much more welcoming. In the hail itself, the new lighting is a great improvementon the previous fittings and is much more eco-friendly. The sound system that was installed towards the end of October will give improved qualityof sound as well as providing facilities for a range of inputs. Thefor number of group bookings has again risen, with a rangeof activities held every weekday except Tuesday which is reserved Church-related activities including ECO Café, Repair Café and Living the Question. One-off bookings for birthday parties and other social events have also increased. We are also pleased to offer free use ofthe hall and meeting room to several organisations including Startup Stirling, Forth Valley Welcome, Castiemilk and a few charitable fundraising groups. The increase in bookings has had the benefit of an uplift in the level of income received, now makinga substantial contribution to meeting the running costs of the hall and meeting room Carefor the Environment

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Dunblane Eco
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; togetherThe poster above gives a vivid impressionof the scope of the 2025 ECO Fest. Runningfor just over a fortnight, it brought offers a wide range of environmental Ssues with films, talks, exhibitions incuring the Glasgow Science Centre, visits and of practical support. As in previous years, the Library and Dunblane Centre were enthusiastic supporters and were joined this year by the Cathedral, Schools made an important contributien by involving pupils (and parents) in exploring the life cycles of ladybirds and butterflies. The launch of ECO Fest was a particular highlight with a talk by the internationally acclaimed mountain and wildlife photographer, IE who with vivid film evidence highlighted the changes in the environment he has seen in a career of over twenty years. No-one could have been unmoved by the variety of talks and films that covered issues including serious concerns about fish farming; the reintroduction of beavers and, in prospect, the tynx; the need to develop woodlands with native species; and ways in which rewilding can greatly enhance the environment for wildlife. We were hugely grateful to the many contributors who gave of their time and expertise and particularly to Wildfish and SCOTLAND The Big Picture who not only offered their films but sent members of the creative teams to provide commentary and answer questions after the showings. Local environmental groups were well represented through talks and at the final day of the ECO Fest which, as previously, was centred on exhibitions in the Church Hall and activities in the grounds. As in previous years, we were blessed with a glorious day which encouraged participation in the various outdoor events. An Innovation this year included a programme of storytelling, with visits to schools during the Fest programme then culminating on the final day. It was very encouraging to see the eager involvement of families in this and the various games, who also enjoyed the music provided by the jazz band. The programme involved a large number of people giving of their time and energy. Without their support the ECO Fest would nat have been possible. We are deeply grateful to them. Next year’s ECO Fest is still in planning, but it may look to ways in which we can make a difference to the local environment and contribute to encouraging more eco-friendly actions.

Page 9

$t Mary's Episcopal Church, Dunblane

Report of the Trustees - continued for the year ended 30 September 2025

FINANCIAL REVIEW

Investment policy and objectives

Investments are held in the Scottish Episcopal Church Unit Trust Pool. The investment objective of the Unit Trust Pool is to earn a return on assets, over the long term, sufficient to maintain the real value of distributions to unit holders. The 2024-25 distribution was 95.0 pence per unit (last year: 85.0 pence).

Results

Our net surplus for the year was £9,690 (2024: £31,566 ). This includes a gain in the value of investments of £19,368 (2024: £27,819). The net deficit excluding the gain/{loss) in the value of investments was £9,678 (2024: net surplus £3,747).

Income from congregational giving decreased from £57,279 in 2024 to £55,463 this year. We have however been very fortunate to receive a number of donations, legacys/bequests, and grants again this year £46,205 (2024: £34,470).

The number of units in the Unit Pool remained unchanged from 2023 at 6897 units.

We continue to benefit from The Gift Aid Scheme which enhances the overall giving and the Gift Aid refund due for this year is £14,261 (2024: £14,697).

Reserves policy

The Vestry's Reserve policy is to maintain reserves so that cash and investment income is sufficient to meet three months normal operating costs and any other committed expenditure. Unrestricted reserves at 30 September 2025 were £95,508 (2024: £96,669) and the annual anticipated income from investments is approximately £6,500.

Future plans

The vestry will continue its range of current activities in the foreseeable future.

Page 10

St Mary's Episcopal Church, Dunblane

Report of the Trustees - continued for the year ended 30 September 2025

ee

STRUCTURE, GOVERNANCE AND MANAGEMENT

St Mary's Episcopal Church, Dunblane ("St Mary's") is a registered charity, number $CO16932. It is an unincorporated association, governed by Constitution recommended by the General Synod of the Episcopal Church for an Incumbency or Independent Congregation (revised 2000). This constitution was approved by the congregation on 15 June 2008 and ratified by the Vestry on 19 June 2008. For the purposes of Charities Law, the members of the vestry are the Charity Trustees of St Mary's, which is a member congregation of the Diocese of St. Andrews, Dunkeld & Dunblane in the Scottish Episcopal Church. The Bishop of St. Andrews, Dunkeld and Dunblane has pastoral oversight of all the congregations within the Diocese, and all congregations are subject to Canon Law of the Scottish Episcopal Church. Each year at the Annual General Meeting, the two longest serving elected members of the Vestry step down, and at least two new Vestry members are elected. The Lay Representative, who represents St Mary’s at Diocesan Synod, is elected annually by the lay members of the congregation at the Annual General Meeting. The People's Warden is elected by the congregation at the Annual General Meeting. The Rector's Warden is appointed by the Rector. The Vestry Secretary and Treasurer are appointed by the Vestry. The Rector is appointed by the Vestry and the Bishop of the Diocese.

Day to day management is delegated to the Chair of the Vestry, and The Vestry, who work together to oversee the spiritual welfare of the congregation and the mission of the Church. The Vestry also has particular responsibilities for oversight of the physical care and maintenance of the property.

All new Vestry members are provided with a copy of ‘Guidance for Charity Trustees’ issued by the Office of the Scottish Charity Regulator when appointed.

The key management personne! for the purpose of the Charities SORP are the Vestry (the trustees). Except for the chairperson, no trustees receive any remuneration for acting in that capacity, but are reimbursed expenses (detailed note 5). The chairperson receives a stipend at the relevant point on the scale of stipends paid to full time clergy as set by the Administration of the General Synod.

The Vestry reviews on a regular basis the major risks to which St Mary's is exposed, and systems or procedures have been established to manage those risks.

REFERENCE AND ADMINSTRATIVE DETAILS

Registered Charity number $C016932

Principal address

St Mary's Rectory

Smithy Loan

Dunblane

FK1S OHQ

Trustees

independent examiner

Cathedral Accounting Services Ltd

Chartered Management Accountants 35 Montgomery Crescent

Dunblane FK15 SFB

Page 11

St Mary's Episcopal Church, Dunblane

Report of the Trustees - continued for the year ended 30 September 2025

REFERENCE AND ADMINSTRATIVE DETAILS - continued

Bankers:

Royal Bank of Scotland plc Unit 22/23 Thistles Goosecroft Road Stirling FK8 2EA

CONCLUSION

In conclusion, the Vestry wishes to thank all members of the Congregation who help in so many different ways to ensure the smooth running of the church.

Approved by order of the board of trustees on:

23 November 2025

and signed on its behalf:

Page 12

ee ee SSS EE a ee

Independent Examiner's Report to the Trustees of St Mary's Episcopal Church, Dunblane

We report on the accounts for the year ended 30 September 2025 set out on pages twelve to twenty one.

Respective responsibilities of trustees and examiner

The charity's trustees are responsible for the preparation of the accounts in accordance with the terms of the Charities and Trustee Investment (Scotland) Act 2005 and the Charities Accounts (Scotland) Regulations 2006 (as amended). The charity's trustees consider that the audit requirement of Regulation 10(1)(a) to (c) of the Accounts Regulations does not apply. It is our responsibility to examine the accounts as required under Section 44(1)(c) of the Act and to state whether particular matters have come to our attention.

Basis of the independent examiner's report

Our examination was carried out in accordance with Regulation 11 of the Charities Accounts (Scotland) Regulations 2006 (as amended). 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 seeking explanations from you as trustees concerning such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently we do not express an audit opinion on the view given by the accounts.

Independent examiner's statement

In the course of our examination, no matter has come to our attention:

(1) which gives us reasonable cause to believe that, in any material respect, the requirements

• to keep accounting records in accordance with Section 44(1)(a) of the 2005 Act and Regulation 4 of the 2006 Accounts Regulations; and

• to prepare accounts which accord with the accounting records and to comply with Regulation 8 of the 2006 Accounts Regulations

have not been met; or

(2) to which, in our opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.

Chartered Management Accountants

35 Montgomery Crescent

Dunblane

FK15 9FB

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Date: 23 November 2025
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Page 13

St Mary's Episcopal Church, Dunblane

Statement of Financial Activities for the year ended 30 September 2025

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|||||||| |---|---|---|---|---|---|---| |Eee| |2025|2024| |Unrestricted|Restricted|Endowment| |funds|funds|fund|Totalfunds|Total funds| |Notes|£|£|£|£|£| |INCOME|AND ENDOWMENTS FROM| |Donations,|legacies, and grants|98,824|17,105|0|115,929|106,446| |Other trading activities|2|23,053|0|tt|23,053|21,621| |Investment income|3|6,328|0|o|6,828|6,000| |Other income|2474|o|oe|2,474|2,832| |131,173|17,105|0|148,284|136,899| |EXPENDITURE ON| |Charitable|Activities|4| |Clergy costs|66,303|t)|0|66,303|63,357| |Fabric costs|21,739|25,215|0|46,954|33,734| |Quota|16,830|0|0|16,830|13,453| |Donations given|8,519|0|0|8,519|11,538| |Worship|costs|18,617|o|0G|18,617|10,285| |Other resources expended|739|0|0|739|785| |Total|132,747|25,215|0|157,962|133,152| |Net gains / (losses) on investments|2,011|0|17,357|19,368|27,819| |NET INCOME|/ (EXPENDITURE)| |before transfers|443|(8,110)|17,357|9,690|31,566| |Transfer between funds|(1,604)|1,604|0|D)|it)| |Net incoming/{outgoing resources)|(1,161)|(6,506)|17,357|9,690|31,566| |RECONCILIATION|OF FUNDS:| |Total funds brought forward|96,669|58,804|188,555|344,028|312,462| |TOTAL FUNDS CARRIED FORWARD|95,508|52,298|205,912|353,718|344,028|

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These notes form part of the financial statements

Page 14

St Mary's Episcopal Church, Dunblane

Balance sheet As at 30 September 2025

Sls Sills

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||||||||| |---|---|---|---|---|---|---|---| |2025|2024| |Unrestricted|Restricted|Endowment| |funds|funds|fund|Total funds|Total funds| |Notes|£|£|£|£|£| |FIXED|ASSETS| |Investments|10|23,854|it)|205,912|229,766|210,398| |CURRENT ASSETS| |Debtors|11|14,206|o|i]|14,206|14,663| |Cash|at|bank|66,702|52,298|0|119,000|139,783| |30,908|52,298|i)|133,206|154,446| |CREDITORS| |Amounts falling due within one year|12|(9,254)|0|0|(9,254)|(20,816)| |NET CURRENT ASSETS|71,654|52,298|0|123,952|133,630| |TOTAL ASSETS|LESS CURRENT| |LIABILITIES|95,508|52,298|205,912|353,718|344,028| |NET ASSETS|95,508|52,298|205,912|353,718|344,028| |FUNDS|14| |Unrestricted|funds:| |General|fund|58,678|60,590| |Project fund|36,829|36,079| |95,508|96,669| |Restricted|funds:| |St|Mary's|Dunblane Trust Fund|2,838|2,134| |Outside Ground|Development|Fund|3,379|2,479| |Inside|Church &|Hall|Fund|40,036|43,231| |Eco|Fest Fund|6,045|10,000| |Forth|Enviroment|Link-Eco week|oO|960| |52,298|58,804| |Endowment|funds:| |Investment|fund|205,913|188,555| |TOTAL FUNDS|353,718|344,028|

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The financial statements were approved by the Board of Trustees on

23 November 2025

These notes form part of the financial statements

Page 15

St Mary's Episcopal Church, Dunblane

Notes to the Financial Statements

for the year ended 30 September 2025

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements of the charity, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) ‘Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 01 January 2015)', Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland’, the Charities and Trustee Investment (Scotland) Act 2005 and the Charities Accounts (Scotland) Regulations 2006 (as amended). The financial statements have been prepared under the historical cost convention with the exception of investments which are include at market value, and on the going concern basis. They are presented in Sterling.

The charity has applied Update Bulletin 1 as published on 02 February 2016 and does not include a cash flow statement on the grounds that it is applying FRS 102 Section 1A.

The preparationoffinancial statements in compliance with FRS 102 requires the trustees to exercise their judgement in the application of the charity's accounting policies. They do not consider that there are any matters arising in this regard that are so significant to the financial statements as to require separate disclosure.

ame principal accounting policies applied in the preparation of these financial statements are set out below. They have been applied consistently to all years presented, unless otherwise stated.

Income

Income, including government and other grants, whether capital or revenue, is recognised in the Statement of Financial Activities when the charity has entitlement to the funds, it is probable that the income will be received, the amount can be measured reliably, it is not deferred and any performance conditions attached have been met. Legacies are recognised when received.

Expenditure

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

Governance costs

Governance costs relate to those costs necessary to provide governance infrastructure which allow St Mary's to operate and to generate the information required for public accountability.

Apportionment of support costs

Resources expended are shown of the Statement of Financial Activities categorized by charitable activity and governance costs in accordance with the requirements of the Statement of Recommended Practice. Certain costs are capable of direct attribution to the categories; however some costs are attributable to more than one category. These costs have been apportioned to the specified categories.

Taxation

The charity is exempt from tax on its charitable activities. irrecoverable VAT is included within the relevant cost for which it was incurred.

Page 16

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----- Start of picture text -----
Mary's Episcopal Church, Dunblane
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Notes to the Financial Statements - continued for the year ended 30 September 2025

eeee

1. ACCOUNTING POLICIES - continued

Fund accounting

There are no external restrictions upon the use of the assets or income of the General or Project Funds

The Vestry however, as far as possible, restricts the use of the Project Fund to unusual and non-recurring expenditure, particularly the renovation and alteration of the Church, hall buildings and rectory.

Restricted funds can only be used for particular restricted purpases within the abjects of the charity. Restrictions arise when specified by the donor or where funds are raised for particular restricted purposes.

The Fabric Fund is for expenditure on property and equipment.

The Investment fund comprises the balance remaining from a succession of special gifts to St Mary's originating from an endowment in 1843. The precise terms and legal status of the gift vary considerably but the Vestry continues, as it has for many years, to act on the basis that only income (which is included within restricted funds) from this fund should be regarded as available for use, and that the capital should be preserved.

Pension costs and other post-retirement benefits

Contributions payable by St Mary's to the Scottish Episcopal Church Pension Fund are charged in the Statement of Financial Activities in the period to which they relate. The Fund is a final salary scheme for stipendiary clergy and provincial and diocesan staff employees. Further information about the scheme may be obtained from the Scottish Episcopal Church General Synod Office.

Fixed asset investments

Investments are a form of financial instrument and are initially recognised at their transaction value and subsequently measured at their fair value at the balance sheet date using the market value advised by the SEC Unit Trust Pool treasurer, The Statement of Financial Activities includes the combined net realised and unrealised investment gains and losses arising during the year. Investment income is included when distributions, dividends and interest become payable.

Operating leases

Rentals applicable to operating leases are charged to the Statement of Financial Activities over the period they are incurred. Charges incurred as a consequence of the termination or reversal of operating leases are recognised as an expense in the year in which the relevant event occurs. Incentives provided to enter into operating leases are treated as a reduction ofthe rental expense, and are allocated on a straight line basis over the lease term, or matched against termination payments if applicable.

Debtors and creditors due within one year

Debtors, prepayments, creditors and provisions are recognised at the transaction value, after taking account of any discounts or impairments.

Cash at bank and in hand

Cash at bank and in hand includes cash, bank current accounts, and bank deposits with a maturity date of 12 months or less from the date of opening. 2. OTHER TRADING ACTIVITIES

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2025 2024
= £
‘vial lets 23,053 21,621
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Page 17

§t Mary's Episcopal Church, Dunblane

Notes to the Financial Statements - continued

for the year ended 30 September 2025

3. INVESTMENT INCOME

3.	INVESTMENT INCOME
			2025	2024
			£	£
	Unit Trust Distribution		6,828	6,000
4.	CHARITABLE ACTIVITIESCOSTS
		Directcosts	Support costs	Totals
		£	£	£
	Clergycosts	64,006	2,297	66,303
	Fabriccosts	39,687	7,267	46,954
	Quota	16,830	ie)	16,830
	Donations given	8,519	0	8,519
	Worship costs	14,328	4,289	18,617
	Other resources expended	0	739	739
		143,370	14,592	157,962

Support costs totalled £14,592 including governance costs of £714. Support costs have been attributed to the charitable activities as follows: no support costs have been applied to Quota payment and outward donations; costs of heat and light, cleaning & gardening have been applied to fabric costs; hospitality & acknowledgements costs and office costs have been applied to worship; governance costs are included in other resources expended; other costs are divided between clergy, fabric and worship costs in proportion to their direct costs.

5. TRUSTEES REMUNERATION AND BENEFITS

Trustees remuneration is disclosed in note 6. Except for the Rector, no member of the Vestry received remuneration during the year. The Rector's remuneration is paid at the standard rate set by the Administration Board of the General Synod of the Scottish Episcopal Church.

Trustees’ expenses

Travel, fabric, office and incidental expenses amounting to £654 (2024: £1,505) were reimbursed to 4 Trustees (2024: 6).

6. STAFF COSTS

STAFF COSTS
	2025	2024
	£	£
Stipends	33,978	31,088
Gross salaries and national insurance	3,215	3,229
Curate's Stipend contribution	16,133	15,000
Pension costs	9,486	10,430
	62,812	59,747

No employee had employee benefits in excess of £60,000 (2024: none). The average number of full time employees during the year was 2 with 1 part-time (2024: 2 full-time with 1 part-time employee).

Page 18

St Mary's Episcopal Church, Dunblane

Notes to the Financial Statements - continued

for the year ended 30 September 2025

7. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES

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|||||||| |---|---|---|---|---|---|---| |2024| |Unrestricted|Restricted|Endowment|Total funds| |£|£|£|£| |INCOME AND|ENDOWMENTS FROM| |Donations and|legacies|75,983|30,463|i?)|106,446| |Other trading|activities|21,621|0|0|21,627| |Investment|income|6,000|0|0|6,006| |Other income|2,832|0|0|2,832| |106,436|30,463|0|136,899| |EXPENDITURE ON| |Charitable|Activities| |Clergy|costs|63,357|is)|ie)|63,357| |Fabric|costs|33,734|0|0|33,734| |Quota|13,453|0|it)|13,453| |Donations|given|11,538|0|0|11,538| |Worship|costs|10,285|0|0|10,285| |Other resources|expended|785|0|0|785| |Total|133,152|0|0|133,152| |Net gains / (losses) on|investments|2,888|0|24,931|27,819| |NET|INCOME|/ (EXPENDITURE)|(23,828)|30,463|24,931|31,566| |Transfer|between funds|14,275|(14,275)|0|0| |Net|incoming/(outgoing|resources)|(9,553)|16,188|24,931|31,566| |RECONCILIATION|OF|FUNDS:| |Total funds brought forward|106,222|42,616|163,624|312,462| |TOTAL FUNDS CARRIED FORWARD|96,669|58,804|188,555|344,028|

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Page 19

St Mary's Episcopal Church, Dunblane

Notes to the Financial Statements - continued for the year ended 30 September 2025

eesss.A A a EES 8. DONATIONS

Thefollowingdonationswerepaid duringtheyear:	2025	2024
	£	£
AberlourTrust	2,000	1,231
Christian Aid	0	600
Lent appeal	5,600	6,555
Likhubuladonation	444	0
RSABI	475	0
Seafarers Scotland	0	150
St Mary's School	0	500
TASH-Ukraine appeal	0	1,737
Water Aid	0	765
	3,519	11,538

9. FIXED ASSETS

The Church building, hall and rectory are occupied, maintained and insured by St. Mary's. The proprietors are the Diocesan Trustees. The original cost of these assets is not known and they have not been included because, in the opinion of the Vestry, the cost of having them professionally valued to include a value in the accounts outweighs the benefits to users of the accounts. Although they do not appear in the accounts, the insured value of the Church building and contents is £7,320,000, the Hall building and contents £3,660,000 and the Rectory £512,933.

10. FIXED ASSET INVESTMENTS

FIXED ASSETASSET INVESTMENTS
	Unlisted
	investments
	£E
At 01 October2024	210,398
Disposals	0
Revaluations	19,368
At30September2025	229,766
NET BOOK VALUE
At30September 2025	229,766
At30September 2024	210,398
TherewerenoinvestmentsoutsidetheUK.

Fixed asset investments represent a holding of 6897 units in the Scottish Episcopal Church Unit Trust Pool.

The historical cost of the investments was £50,745.

Page 20

$t Mary's Episcopal Church, Dunblane

Notes to the Financial Statements - continued

for the year ended 30 September 2025

11. DEBTORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

11.	DEBTORS: AMOUNTSAMOUNTS FALLING DUE WITHIN ONE YEARYEAR
			2025	2024
			£	£
	Otherdebtors		14,206	14,663
12.	CREDITORS:AMOUNTSFALLINGDUEWITHINONEYEAR
			2025	2024
			£	£
	Othercreditors		9,254	20,816
13.	LEASING AGREEMENTS
	Minimum lease paymentsundernon-cancellable operating leases fall as follows:
			2025	2024
			3	£
	Within oneyear		981	1,308
	Between one and fiveyears		0	981
			981	2,289
14.	MOVEMENT IN FUNDS - 2024
				At 30
		At01 October	Netmovement	September
		2024	in funds	2025
		£	£	£
	Unrestrictedfunds
	General fund	60,590	(1,912)	58,678
	Project Fund	36,079	750	36,829
		96,669	(1,161)	95,508
	Restricted funds
	St Mary's DunblaneTrustFund	2,134	704	2,838
	Outside Ground DevelopmentFund	2,479	900	3,379
	inside Church& Hall Fund	43,231	(3,195)	40,036
	Eco Fest Fund	10,000	(3,955)	6,045
	Forth Enviroment Link-Ecoweek	960	(960)	0
		58,804	(6,506)	52,298
	Endowment Funds
	investment Fund	188,555	17,358	205,913
		344,028	9,690	353,718

12. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR

13. LEASING AGREEMENTS

Page 21

3 Mary's Episcopal Church, Dunblane

	Notesto the Financial	Statements -continued	Statements -continued
	faxtheyearended30	30September2075
14.	MOVEMENT INFUNDS- continued
	Netmovement in funds,includedin theaboveare asfollows:
		incoming	Resources.	Gainsand	Movement in
		resources	expended	losses	funds.
		£	£	£	£
	Unrestricted funds
	General fund	131179	(158,922)	25,831	(1,912)
	ProjectFund	0	o	750	750
		131,173	(158,922)	26,582	(1,161)
	Restricted funds
	StMary'sDunblaneTrustFund ‘OutsideGroundDevelopmentFund	704 500	0 o	0 Oo	Fo 900
	‘InsideChurch&HallFund EcoFestFund ForthEnviromentLink-Ecoweek	3.195 4955 0 8.754	oO i 960 960	o fs) o 0	(3,195) (3,955) (960) (6,506)
	Endowment Funds.
	investmentFund	0	0	17,358	17,358
		139,933	(157,962)	43,939	9,690
	Comparativesformovementinfunds
				Mer	At3o
			At01 October	maovementin	Seotember
			rity	funds	2024
			£	£	€
	Unrestricted funds
	Generalfund		71,098	(10,508)	60,590
	ProjectFund		35,124 106,222	355 (9,553)	36,079 96,669
	Restricted funds
	StMary's DunblaneTrustFund (Coffeefund&MondayGathering		1367 o74	77 (974)	2,134 oO
	‘Outside GroundDevelopmentFund InsideChurch&HallFund Kate NashEcoTrustFund Flowerfund Margaret Stirling-AirdBequest		586 16,387 10,000 302 3,000	1,893. 26,844 oO (302) (3,000)	2,479 43,231 10,000 0 o
	ColinStorrarDonation		10,000	(10,000)	o
	ForthEnviromentLink-Ecoweek		L'] 42,616	560 16,188	960 58,804
	Endowment Funds
	InvestmentFund		163,624	24,931	188,555
		“312462		—«31,566	—~—«344,028
	Comparative netmovementinfunds,includedintheaboveare asfollows:
		Incoming resources	Resources expended	‘Gains and losses	Movement in funds
		£	£	E	£
	Unrestricted funds
	Generalfund ProjectFund	106,436 i) 106,436	(118,876) Oo (118,876)	1,932 955 2,887	(10,508) 955 (9,553)
	Restricted funds
	St Marv'sDunblaneTrustFund Coffee fund& Monday Gathering	767 0	o (o74)	Lt) o	767 (S74)
	OutsideGroundDeveloomentFund	1,853	Oo	Oo	1,893
	‘insideChurch& HallFund Kate Nash Eco TrustFund Flowerfund	26.344 Ly 0	a o (302)	0 oO oO	26.244 oO (302)
	MargaretStirling-AirdBequest Calin StorrarDonation ForthEnviroment Link-Ecoweek	o fi 950 30,464	(3,000) (20,000) o (14.276)	a 0 0 0	(3,000) (10,000) 960 16.188
	Endowment Funds
	investmentFund	o	o	24,931	24,931
		136,900	(133,152)	27,818	31,566

Page22

St Mary's Episcopal Church, Dunblane

Notes to the Financial Statements - continued

for the year ended 30 September 2025

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|ST
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15. RELATED PARTY DISCLOSURES

During 2025, £81 for property upkeep was paid to members of the Vestry (2024: £378) and no Honoraria payments were made to members of the Vestry (2024: £Nil).

16. WORSHIP EXPENSES

Worship costs totalling £18,617 includes organ tuning £744, lona retreat costs £5,838, other music and worship costs £7,746, office costs £3,644, hospitality and acknowledgements £Nil and an allocation of £645 of other support costs.

17. OTHER INCOME

Other income of £2,474 comprises bank and other interest received.

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St Mary's Episcopal Church, Dunblane

Detailed Statement of Financial Activities for the year ended 30 September 2025

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||||||||| |---|---|---|---|---|---|---|---| |2025|2024| |£|£| |INCOME|&|ENDOWMENTS| |Donations and|legacies| |Congregational giving|55,463|57,279| |Donations|received|29,100|34,470| |Gift|aid|14,261|14,697| |Legacies and|bequests|0|it)| |Grants|17,105|0| |£15,929|106,446| |Other trading|activities| |Hall|lets|23,053|21,621| |Investment|income| |Unit trust distribution|6,828|6,000| |Other|income| |Interest|received|2,474|2,832| |Sale|of equipment / Other income|0|ie)| |2,474|2,832| |Total|incoming resources|148,284|136,899| |EXPENDITURE| |Gross stipends|33,978|31,088| |Pension contributions|9,486|10,436| |Curate's|Stipend|contribution|16,133|15,000| |Council tax|3,989|3,776| |Premises &|equipment upkeep|39,687|8,127| |Clergy expenses|420|420| |Quota to diocese|16,830|13,453| |Donations|given|8,519|11,538| |Worship|14,328|6,286| |143,370|100,118| |Other| |Insurance|4,569|4,480| |Heat and light|Qo|18,000| |Office costs|3,644|3,570| |Bank charges|25|94| |Cleaning and gardening|5,640|6,200| |13,878|32,344| |Govemance|costs| |independent|Examiner's fees|714|690| |714|690| |Total|resources expended|157,962|133,152| |Net income / {expenditure}|(9,678)|3,747| |This|page|does|not form part|of|the|statutory|financial statements|

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