5 DECEMBER

STATEMENT OF PROFIT AND UNAPPROPRIATED PROFITS—YEAR ENDED 30 SEPTEMBER 1968
1967
$ $
Income—
Income from investments—
New Zealand Government stock and local and semi-government authority securities ... 219,773 Mortgages and other loans ... 52,489 Other ...

1,466,322 Expenses—
Interest to depositors
Management and operating expenses Auditor's remuneration

1,035,444
251,180
1,200

1,287,824

Net profit before taxation Provision for taxation— Payments on account Balance due

178,498
83,401
4,769

88,170

90,328

Unappropriated profits—
Balance at beginning of period Less prior period adjustment.

99,599
...

$189,927 Balance at end of period ...

ROBERT C. WILSON, Director. D. A. RICHARDSON, Secretary.

NOTES TO FINANCIAL STATEMENTS—30 SEPTEMBER 1968
Note 1. Contingent liability—At 30 September 1968 the company was contingently liable for subsidies to home lay-by account holders in the amount of $8,224 (1967: $5,750).

Note 2. Public securities—The book values of New Zealand public securities purchased at a discount or at a premium are adjusted annually so as to attain redemption value by maturity date. The redemption value of these securities at 30 September 1968 amounted to $35,195,978 (1967: $29,539,070).

AUDITORS' REPORT
We have obtained all the information and explanations that we have required. In our opinion proper books of account have been kept by the company so far as appears from our examination of those books.

In our opinion, according to the best of our information and the explanations given to us, and as shown by the said books, the balance sheet and the statement of profit and unappropriated profits, together with the notes thereto, are properly drawn up so as to give respectively a true and fair view of the state of the company's affairs as at 30 September 1968, and of the results of its business for the year then ended.

According to such information and explanations the accounts, the balance sheet, and the statement of profit and unappropriated profits give the information required by the Companies Act 1955 in the manner so required.

WILBERFOSS AND CO., Auditors. 14 October 1968.

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