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OUR SAVINGS BANKS ARE STRONG. The savings banks in this city and State are almost without exception in a sound condition. and foolish listeners to senseless rumor could hardly have found a time when there was less cause for anxiety with regard to these admirable institutions. It is generally believed that the run upon the Harlem bank is over. It never had reason or excuse. New-York is proud of the management of its savings banks. The reports filed at Albany are full and trustworthy. and are published often enough to reassure the most timid. Official figures exhibiting the details of the operations of these banks for the first half year of 1900 were set forth in the daily newspapers soon after they had been compiled. and they were of a nature to confound sensation mongers and to silence purveyors of injurious gossip. The laws in this State are so precise in restricting the investments of savings bank funds that trustees and other officers can bring no serious losses upon the depositors unless they are deliberate criminals who make up their minds to violate the plain provisions of the statutes. It is conceded everywhere that the men who handle the money deposited are in nearly all instances faithful to their trust, and their number includes many of the most honored of our citizens. Most of the savings banks in this State are strong fortresses of finance. Even a Wall Street panic cannot impair their solidity. Their reports show that they are gaining in every way year after year. Their funds are securely invested. they cannot under the present acts engage in rash enterprises, and their managers keep a safe margin of surplus ID reserve. The hundreds of millions of dollars which they hold in charge for the frugal masses of our people are judiciously cared for. In the early seventies the statute as to the investment of savings bank funds was not nearly so striet as it is now, and many speculative schemers founded new banks or procured election to the boards of trustees of several then in existence. Some of the worst rascals of the Tweed era succeeded in obtaining control of the deposits in a number of such institutions, and quickly squandered the hard earnings of the poor. Of course, failures followed. The bankruptcies of the Mutual Benefit, Sixpenny and People's savings banks of a quarter of a century ago were especially disgraceful. Those calamities created for a time a feeling of distrust of savings banks generally. But the Legislature passed laws to remedy the evils which were then so harmful. A better day came, and for a couple of decades, and especially in the nineties, now ending, the savings banks have earned a full measure of public confidence. They are now stronger than ever before, and they are doing excellent service for the industrious and far sighted millions among our wage earners.