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Thursday, January 1,1963 i . *HE McHENRY PLAIHCEALER 1 Page Thrw 9 THERE •m. '.J& MONEY Interest Paid on One Year Saving Certificates SUBSTITUTE FOR THE BANK m mm wmm • ' Interest on All Passbook Savings Deposits The statement of Condition of the McHenry State Bank published below shows why 'There is no substitute for money in the bank." Compare this statement with the statement of others asking for your savings and you will see why, "There is no substitute for money in the bank." When comparing this statement with others, look for 'L1QUIDTY, Look for "AVAILABILITY, Look f^r CAPITAL STRUCTURE, after you look and compare you will drop the "Why?" because THERE [S NO SUBSTITUTE FOR MONEY IN THE BANK N MCHENRY "L Statement of Condition - Dec. 30, 1962 WHAT WE OWN - TO SECURE - WHAT WE OWE fr 1. These accounts could be converted to cash overnight if needed to pay off deposits These funds offset more than 60% of the total deposits which assures •AVAILABILITY. 2. This is the total of loans made to you and your neighbors on your homes, your autos, your businesses and for all other sound needs. $6,000,000.00 of this total represents 1st mortgages on more than 1,000 homes in greater McHenry. The mortgages are based on appraisals of actual cash value thus assuring sound loans to further safeguard your deposits. As impressive as this loan total may be, it is less than 50% of the total deposits to assure •LIQUIDITY* 3. This is what the name indicates and includes the bank building and the equipment necessary for the operation of a sound bank. I. Cash and due from from Banks . . $2,006,951.52 I. U.S. Government Securities . . . 7,796,942.58 1. Other bonds and Securities , . . 1,766,974.17 2. Loans and Discounts . . . 9,515,117.46 3. Banking House & Fixtures . . . . 157,819.16 4. Other Resources 3,236.85 5. Capital Stock .. $ 200,000.00 5. Surplus 500,000.00 5. Undivided Profits 348,459.09 5. Reserve Accounts . . . 741,839.96 6. Demand Deposits . . . . 8,098,843.69 7. Time Deposits . . . . 11,218,120.70 8. Other Liabilities . . . 139,778.30 5. These are capital accounts and represent the stockholders interest in the bank. This indicates strong *CAPITAI, STRUCTURE. You as a depositor are a creditor of the bank and would come ahead of the stockholders if this money were needed to meet deposit demands. 6. This figure represents money you and your neighbors have deposited with us, together with ci'y and village, school, state and federal overnment deposits and are called cbeekiig accounts. 7. These are savings accounts, all of which are drawing 3%% interest with SAVINGS CERTIFICATES drawing 4%. Guarding your money and serving your financial needs are our primary functions. 8. This is interest collected but not as yet earned. 4. Accrued bond interest. Total Resource* $21,247,041.74 Total Liabilities . $21,247,041.74 ft McHENRY STATE BANK A FULL SERVICE BANK Telephone 385-1040 alc.ttviNG SINCE 19Q6 FuH BANK SarWo* We, at the McHenry State Bank are unanimous in our thinking that economy in our community is sound and prospects for the future are bright. Because of so much misleading advertising and gimmicks to attract your hard-earned'savings, we feel duty bound to submit the facts as shown on this page. There is a difference in types of savings institutions and there is a difference in types of insurance. Only a bank can offer Federal Deposit Insurance and only Federal Deposit Insurance insures Availability as well as Safety.