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THE E "van TN G G A'Z ET T E
m; MUTUAL Lire INSURANCE flu,
OF NEW YORK-
RronARn A. McG'U'RDY, President.
Statement for the Year Ending Dec. 3t,’97.
According to the Standard of the Insurance Department of the State of New York.
_ INCQMEQ
Received for Premiums .
From all other Sources .
$42,693,201 99
11,469,406 2.4
$54,162,608 23
DISB’URSEMELN’ESQ
To Policy-holders for Claims by Death
' $13,279,630 66
T0 Policy=holders for Endowments, Dividends, etc. . 12,712,424 76
For all other Accounts , . . . . '10,132,005 57
$36,124,060 99
ASSETS; .
United States Bonds and other Securities
$32,017.34! 45
First Lien Loans on Bond and Mortgage . . “.' 69,423,937 31
Loans on Stocks and Bonds . . . . 12,880,308 00
Real Estate . . . . . . 21,618,454 88
. Cash in Banks and Trust Companies . ,, . 11,705,195 82
Accrued Interest, Net Deferred Premiums, etc. . . 6,141,200 20
. ”“865—
Reserve for Policies and. other Liabilities . . {33337833333 (6;;
,HSurplus . . ‘ . . . . $35,508,194 59
Insurance and Annuities in Force . . . $936,634,496 63
_ lhave carefully examined the foregoing Statement and find the same to be correct '
liabllltles calculated by the Insurance Department. CHARLES A. PRELLER, Auditor:
From the Surplus a. dividend will be apportioned as usual
Report of the Examining Committee.
Office of the Mutual Life Insurance Company of New York.
'I O THE HONORABLE, THE BOARD OF TRUSTEES OF
THE MUTUAL LIFE INSURANCE COMPANY OF NEW YORK.
The undersigned, a Committee appointed by your honorable body, on the twenty-
second day of December, I 897, to examine the Annual Statement of the Company and
to verify the same, respectfully—fl
REPORT
That, pursuant to the power and authority thereby conferred, the Committee have, at various dates b t
date of the said reference and the date of this Report, attended at the Office of the Company and have been6 Ween the
by the Treasurer, the Comptroller,the Auditor, and the Cashier, together with the respective assistants Of s vhalted on
and have carefully gone over all the items contained in the said Statement, and have found the same to be 00::- "3mg:
have examined and counted every certificate of stock, bond and other obligation held by the Compan
the prices at which the same are carried in said Statement with the market quotations, y,
and compared
and find the same not exceeding
such quotations—in fact, in many cases below them. They have examined and counted the bond
property held by the Company, and find the same to be as stated. s and mortgages on real
pany’s holdings of real estate and have verified the deposits of money in the various banks and trust c
have counted the cash on hand held by the Cashier.
And the Committee certify that all the books, papers, documents, and evidence Of title Of ever
They have also verified the valuation of the Com-
ompanies, and
y description neces-
sary in such examination have been freely submitted to the Committee by the said Officers and their assistants a d 1;};
~.‘ ‘ j n at
the same are accurate, in good Order, and well kept.
And the Committee further certify thatthe investments of the Company are Of a high order
and methods adopted by the Company in recording its transactions and caring for the assets are entitl
CHAS. R. HENDERSON ‘
S. V. R. CRUGER
All of which is respectfully submitted.
NEW YORK, January 21, 1898.
and that the sfstem
ed to commendati
ELBRIDGE T. GERRY A. N. WATERHOUOSHF
J. HOBART HERRICK JAMES C. HOLDEN ‘
Board of Trustees-
FREDERIO CROMWELL
J ULIEN T. DAVIES
A. N. VVATERHOUSE
S. V. R. CRUGEB
SAMUEL D. BABooox
RICHARD A. MCCUBDY
JAMES C. HOLDEN
HERMANN C. VON Pos'r
WILLIAM J. SEWELL
OLIVER HARRIMAN
ROBERT OLYPHAN'I’
GEORGE F. BAKER
DUDLEY Omo'r'r
Runes W. PEOKHAM
J. HOBART HEBRIOK
Wu. P. DIXON
| ROBERT A. GRANNIBB
CHARLES R. HENDERSON
HENRY H. ROGERS
J NO. W AnonmoLoss
THEODORE MORFORD
WILLIAM BABGOGK
STUYVESANT FISH
Amos-rue D. J UILLIARD
CHARLES E. MILLER
WALTER R GILLETTE
H. WALTER WEBB
GEORGE G. HAvEN -
ADRIAN ISELIN J R.
GEORGE S. BOWDOIN
WILLIAM C. W BITNEY
WILLIAM ROCKEEELLEE
J AMES N. JARVIE
CHAS D. DICKEY JR
ELBRIDGE T GERRY
J AMES SPEYEB’J
ROBERT A.'GRA1\lISS, Vice-President.
WALTER R. GILLETTE, General Manager.
ISAAC F. LLOYD, 2d Vice-President.
WILLIAM J. EAS’I‘UN, Secretary.
JOHN A‘. FUN DA, Assistant Treasurer.
WILLIAM P. SANDS, Cashier.
FREDERIC CROMW
EMORY MoCLlNT
DUEH du-P. BRECK, GOrresponding Secretary
ALBERT KLAMROTH A, . ta
ELL. Treasurer. ’ 31:5 ’1‘ Secretary,
JAMES TIM BSON. 2d Assistant Treasurer.
EDWARD P. HOLDEN A - . .
00K, Actuar ., ’ 8913mm Oil-Shea
JOHN TATLOCK, J a , Assistant Actuary. '
gg££§AygV£.O%CHARDS, Comptroller.
. . ' N, A ' .
JOHN C. ELLIO l‘, Superintendent Of Domestic Agenciesssmtant Comptroller,
E )WARD LYMAN SHORT, General Solicitor.
CHARLES A, PRELLER, Auditor.
C. CLIFFORD GRETSIN GER, As-Jistant Auditor.
=ELIAS J. MARSH. M D-
.lIEoioAL DIRECTORS:
GRANVILLE M. WHITE, M D.
G. S. WINSTON M. D. Consulting.
BI
NICHOLS do GILBERT, General Agents.
A. _.... GAME, noose, Agent.
DISCONTENT.
Allus lookin’ forward an’ never satis-
fied: g
This earth. couldn’t suit me with he:
weather if she tried.
lSeems like it‘s no difference what kind
. ‘0' days sets in,
Sun: to find me wishin’ it ’ud change
around agin.
‘Druther have it rain than have the
sun a-beatin’ so;
‘Druther have it sunny thanrto have to
shovel snow:
Druther shovel snow than slosh around
on rainy days—
Makes me tired to think about
. blame contrairy ways!
- —-Washingt0n Star.
A WAR ROMANCE.
BY HELOISE DURANT ROSE.
It was breakfast time at Avondalc.
and General H-iggerson, for the fifth
time, wondered what kept his daugh-
ter as he fidgc-ttcd with his paper and
stirred his hot coffee. Through the
open window overlooking the sloping.
velvety lawn, honeysuckles pee-poi
into the Old-fashioned room and scent-
ed the air with their fragrance; the
bright sunshine lighted up the oak-
paneled walls, gleamed on glasses and
silver on the table, and played about
the old Gencrnl‘s white head. Just as
his patience was at an end the. door
opened and admitted a tall. handsome
girl, with bright blue eyes and a de-
termined mouth. She held a big bunch
of clematis in her hand. '
“Where have you been. Mona?” in-
quired her father.
“Down at the river: I found the stoma
wall near the boathouse ablaze with
these blossoms. I am sorry'to be late,
dear."
“The Southern mail is in,” observed
the General. nodding toward a small
pile of letters at her plate.
She flushed slightly as she laid the
clematis on the sideboard, and took
her seat at the table. A conscious
smile crossed her father’s face as she
broke the seal Of the first letter. He
turned to the paper in his hands. and
nis eyes caught this heading: “A RO-
mance in Real Life." He glanced at
the article casually, and then the smile
died away; his hands tightened on the
paper and his face grew hard and
stern while he read the following par-
agraph: .
“lV'ith the in'valided Officers return-
ing this week is young Col. Lawrence.
who was severely hurt in the charge
at San Juan. Among the nurses who
went to look after the sick was a
handsome young woman whom the.
Colonel formerly admired. Family
misfortunes had forced her tO adopt
nursing as a profession. Their friend-
ship was renewed. and when the 0010-
nel camediome he was engaged to his
old love. Col. Lawrence is to be lllll.l'<
."ied very shortly. Report says that ho
had entangled himself with another
Lady, who will now find that she must
§OOk elsewhere for consolation."
As he laid down the paper the Gen-
eral glanced at his daughter. She was
sitting, with a dazed expression on her
face. gazing at a letter she held.
“Father, what does this mean?” she
exclaimed, holding out the letter. He
took it from her and this is what he
read:
, “'24 W'cs't Fifty Street.
“New York, Sept. 12. 1898.
“Dear Mona: You may have seen in
the papers an account of my being
wounded; I made light of it in my last
letter, fearing to alarm you. but the
:ruth is I am a' wreck, as the papers
have accurately stated. Under the
circumstances I do not feel justified in
holding you to your engagement; not-
withstanding the pain-it causes me to
:10 this I want to release you entirely
and leave you free to marry some one
who is not so shattered as myself: but
believe me, dearest, that whatever my
future'life, yOu will always be shrincd
deep in my heart of hearts. Your
faithful friend, .
“HENRY LAWRENCE."
“What does it mean!” almost shout—
ed the Old General. “It means that
your lover is a scoundrel, Mona: read
this,” and he thrust into her hands the
newspaper containing the “Romance
in Real Life.” The girl grew white to
the lips; a mist before her eyes pre-
vented her for a moment from reading
the article; slowly she grasped its full
purport.
“Be brave, child; be brave,” said her
father, as he watched her, anxious-
ly.
She caught her breath and rose hur-
riedly from the table, crossed the. room
to the Open window, and leaning there
with the honeysuckles brushing
against her sunny brown hair, looked
out across the old lawn with unseeiug
eyes.
After a moment‘s silence. the girl
turned a pale face toward her father:
"‘I will be brave. but leave me to my-
: self for a while,” and crushing the let-
lter in her hand, she hastily left the
room. ’
It was a terrible. blow to the Gener-
= ll; be had always liked 001. Lawrence
gand consented to the engagement just
} before the young man was ordered to
’ Cuba. Both Mona and her father had
xso thoroughly believed in Lawrence‘s
’love and faith that his letter and the
’story in the newspaper came upon
them like a bolt from a calm sky.
‘Mona’s two younger sisters were away
‘On a visit. and her brother was prac-
ticing law in New York. Since their
‘mot‘her's death, five years before, she
had been her father‘s housekeeper and
devoted companion. Though fond of
his other children. Mona was the apple
Of his eye, and that any one should
cause her poi-r. seemed to him incredis
ble. Pacing the rooms wmthfully, he
gave vent to his feelings in swearing
volubly. "The Scoundrel! I should
like to horscwhip him for a whelp of :1
our if he were not wounded. What are
his hurts to the stub he has given
my
Mona—ah! when Gilbert hears this—”
his son was coming home to a dance
to be given the next week at their
neighbor‘s, Mrs. “\Velland’s. It was a
satisfaction to have a man around to
whom he could give vent to his out-
raged feelings.
As though in answer to his thoughts.
the butler at that moment brought in
a telegram. "Yes, Gilbert was com-
ing. and, fortunately, a day earlier
4 than expected. bringing a friend with
him for the ball. Just as well to dis-
tract her attention,” thought her fath-
er, as Mona joined him with her hat
on and a letter in her hand.
“Going out, dear?”
“To him?”
“Yes,” she replied, with a catch in
her breath. “I have written a. few
lines to say that his views upon the
Subject of our engagement entirely co-
incide with mine.”
“My brave girl.”
“Don‘t say a word more, now, fath-
er; I cnn’t bear it. ” '
“Gilbert/ is coming tO—morrow at 5
with an Old college friend, who, it
seems, has just turned up in New
York.”
“I am glint .” said Mona, quietly. and
then calling to her dogs, she walked
quickly away. while her father watch-
ed her tall, slight figure disappearing
through the trees down the road to the
lodge gate.
Gilbert Higgers-on was a good—heart-
ed, rather jovial specimen of his pro-
fession, loving Outdoor life and al-
ways stealing Off for a day at Avon-
dale when he could manage to escape
the routine of his office. He arrived
in high spirits with his friend, a Major
Laurie, just returned from Puerto
Rico. The two men had not met for
nearly ten years, and each seemed
equally glad to renew his college
friendship. Major Laurie was a tall.
fine-looking fellow with blond hair
and mustache, a slight lisp, and an
eyeglass stuck in his right eye. As
soon as they were alone the General
poured out his indignation and woe
to his son, who was naturally much it}
censed at the behavior of Mona's
fiance.
“Pity that your friend is an Officer
and just home from the war; it will
keep the wound open,” added his fath-
er.
“Confound it, so it will; I am deuced-
ty sorry for Mona. NO wonder she is
cut up. But as Laurie is sure to know
Lawrence. we must be careful not to
show him that Lawrence has hurt
us. Mona is plucky enough and must
force herself to be jolly for a couple
'of days till Laurie takes his depart-
ure.”
“Jolly! Poor girl, how can she be?"
sighed the General.
“I should like to wring that rascal -;
neck." excl-aimed Gilbert. impetuously,
“and he Of all men. whom we all liked
so much.”
“That is just where it hurts so.” an-
swered his father. '
Mona Iliggerson proved herself'n true
soldier's daughter, and welcomed their
guest with graceful hospitality and
managed to hide her grief under light
budinage and smiling face; only her
father and brother could see what an
effort she made, and, though they ap-
plauded her, pride, their hearts bled
for her suffering.”
“By George,” exclaimed Major Lau-
ric, (after cxcusing herself early in
the evening. Mona had left the thrc’c
men in the billiard room smoking.)
“but Miss Menu is stunning. If I were
not engaged to the dearest girl in the
world, I should lose my hear-t tO your
sister.”
“I did not know we llad_t0 congratu-
late you, old fellow.”
"When does the happy event come
off?”
“Very soon:‘ you’ll be invited.”
“\Vho is she?" asked Gilbert, inter-
ested.
“A Miss Sterling, whose nature veri~
tics her name; have known her since
she was a girl.”
“Rather anxio‘us time for her when
you were wounded,” suggested the
General.
"011, but I was not in much danger.
you know; now some Of the fellows
got so cut up you would-hardly recog
uizc them. There was poor Lawrence
—tboth his listeners started)—one.leg
clean gone, the other up to the knee,
one arm off, and a scar across his face
and the plucky chap just, smiled
through it all.”
Father and son exchanged glances.
“He pulled through, thanks to the
devoted nursing he got,” continued
Laurie,unconsciou_s of the interest his
words aroused. “I never saw that
man down until yesterday, when he
collapsed as though sho .”
a constrained voice.
,“Well, you see, it was this way; he‘s
very reticent, still, we all knew he
was devoted to some i girl at home,
though he never mentioned her name
or spoke about her; couldn’t get him
into the slightest flirtation with any
one. When we came back together
he spoke for the first time to me about
his affair. ‘You see, Laurie, I am such
a wreck; should I marry a girl when
she might have to nurse me? and, then,
art best, I’m not a whole man; will
nave but one sound arm and only part
of one leg to offer her.’ By George.
I felt for the poor devil when he
talked like that. \‘Vell, I suggested
to try her and see What she thought
about it. Write and offer to relezue
her. He caught at the idea. ‘But I
would not want to be married out of
pity, but would just state the facts
and leave her free to decide,’ said no.
‘And what do you think she’ll write,
I asked him. ‘I think «that she is too
faithful to: give me up,’ he answered,
and ’pon my word—scar or no scat-~-
he looked so proud and handsome as
he spoke, I only wished his sweetheart
(could have seen him?" ' ‘
and then the General remembered that-
“Only to the. village to post a note.’
“How was that?" asked Gilbert, in’
. “And then?" asked. Gilbert, a;
Laurie paused in his narrative.
“Oh, then he wrote, alluding to his
being a wreck, and referring to the
account in the papers, and yesterday
her answer came; I was in his rooms
when he got her note—just a short
one, but he turned white, and said
bitterly, ‘She writes that my views
upon the. subject Of our engagement
ending meet her own—she releases
me. evidently without regret, thankful
to be free from what might have been
a burden to her.’ I tried to cheer
him up; he gave me one look, such as
you see in a hunted beast as you
shoot it down. and, by Jove, he keeled
right over. I was in a fearful funk,
and called his man. He came round
presently and begged me not to men-
tion the subject again.”
“Laurie, for God’s sake. explain
matters a little more,” cried Gilbert,
who had risen from his chair in great'
excitement.
The Major started at his friend in
astonishment.
"Yes. Sir,” cried the General, equal-
ly roused, “you don’t know 'how much
depends upon what you have been
telling. Col. Lawrence is engaged to
marry my daughter Mona.”
“The devil!” and thc eyeglass
dropped from its habitual place.
“And here’s news of his engagement
to another woman!” _ '
“To another woman?” echoed Dan-3
fie. evidently in hopeless amazement.‘
“The nurse who took care of him.:
There is n flaring account of it in
to-day’s Reporter.” ’ ' .
“Damn the newspapers; it’s all a
lie,” cried Laurie, fumbling for his;
eyeglass and almost dropping his lisp.‘
“They have mixed our name up; it is?
[ that am engaged to the nurse Miss
Sterling, whom I just mentionedp.
Lawrence has never looked at any?:
other wOman nor had a thought ex-{
cept for his fiancee; I can swear to;
that.” 5
“But his letter,” began the Generalfi;
“All his confounded chivalry; wish-l
mg to give Miss Mona a chance to be:
free of an invalid; why, he's more :1; ~
man now, with legs and an arm off,§
than half the whipper—snappers oncf
meets every day.” ‘
“What is to be done?” cried Gilbert. j_
"My sister is nearly buoken—hearted—” ;
“And Lawrence ditto; there’s just’
one thing to do. Where’s the timc'
table?" and the Major was on his feet?
Inspecting the mantelpiece. ‘
“What do you mean?” asked Gil-
oert. ‘
“I mean to take a train to New
York tonight, if there’s one that will
get me there.”
“Nonsense.”
“Do you think I am going to see L-aw— ‘
fence. who saved my life at the risk
)f his own go through another night
)1? _ despair.”
“But the ball?”
“Hang the ball.” _
“By thunder. sir. if what you say.
:s the true explanation of the situa-
tion, then you have made three peo-
ple very happy tO-night," added the
General.
“Tell your sister that I am OK for.
New York. and get a note from her..
What time does the train leave?"
”There is one at 11:45. if you really
mean to go.” 1
“If you will kindly order a trap for
no. I'll get ready now,” said Laurie:
OOking at his watch and relapsing}
nto his lisp and drawl. =
A few minutes later Gen. Higger?
son stood holding Mona, who, in a
oretty pink dressing gown, was sob-'
Jing her heart out for joy in her
father's arms. The 112%?) I train too-r
Major Laurie back to New York. In-
;ide his vest pocket reposed a short:
note stained with tears. -
At 6 o’clock next morning a
lering rap at the door Of Col.
:ence’s room brought a sleepy,
iressed valet to Major Laurie,
demanded instant admittance.
“I hope, sir, there’s no bad news”;
said the valet, respectfully, “but the’
Jolonel has been so ill ever since you:
eft yesterday and has not slept this”
light.”
“Bad news? No. no, man—the best?
your master has had .this many a?
day. Hello, Lawrence; may I come.
an. Old fellow?” and Major Laurie‘
walked into the adjoining bedroom.-
His friend started up in bed at his;
entrance, and tried to ask a question.
out Mona’s note was in his hand be-5
3ore he had time to frame the words.
‘She will be here herself in a few:
JOlll‘S," said Laurie, and discreetly
turned toward the window and pulled«
11) the blind; the warm sun filled the?
room with brightness, and a happy;
:ight shone in the Colonel's eyes as?
re read the few hurried lines. E
“Laurie, Laurie," he cried. as his,"
thun- ‘
Law- ,
half— .7
who ;
friend siezed his outstretched hamfifi:
Read?
He handed Mona’s letter tel,
‘she’s true to me, after all.
:hat'.”
Laurie. .
“My darling,” she wrote, “forgive1
be for misunderstanding your letter.9
[ cannot free you from our engage.
nent as long as I realize that youg'
.OVC me and that I can be of use to;
you. IVhat matters to me a loss oft
in arm or a leg, as long as you have?
Jody enough left to hold your soul tO-f
gether. I am yours till God callsl
that soul home to Himself. f
Your loving Mona."
Toward noon of that day Major-l
Laurie had a vision of Mona with her.
runs around her lover’s neck, heard
tier joyful cry. and from Lawrence
I. murmured “My darling—at last”?
1nd he hastily left to themselves two
)f the happiest hearts in New Yorkfl
As he turned to Mona’s brother in
:he next room.
which had suddenly become misty.
me said below his breath, “By Jove.
I rather think I’ve done a good. day’s
work."
(The incidents of this story are.
taken from llfe.—~The author.) ,_
wiping his eyeglass.‘ .
.
Norwalk Chronicler