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Reproduced from the Unclassified I Declassified Holdings of the National Archives
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UiU; Jffffve Sank Organization Ooami ttee,
exhibits submitted at hearing's.«•
(Cincinnati, Ohio).
Reproduced from the Unclassified I Declassified Holdings of the National Archives
smsxra m m m r j t i * im m is
.S m W E L -
] / Burch* B#L* representing Hashrllla Board of frado, atatomnt of
!•
Dietorle, Coo* !>* pro©idont Ci&alnaati Chamber of Goiaaerce,
3K«aaraiida?3 filed by
/
A*, pnmidft&t Clz&^nrjrti Clearing Horn, ©, 6npi>3Lara©iitai*y 5,
brief fiied by
^ Smith, Andrew, report of Indiana Banicors Assn.-.* with 1.1:t of
nationaltestate banks and trust oonpaai#f faw ring 0lnoinnati
4.
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STA taraw . Of R. L. BTO0H Of HASHVXIM. iK&toWJOPV**-
laaWstetatwOw ifeKasisTTAnva car t o vumvnuE boakd os mass.
t
Aa m wi«h to b# lii
m
think i t propa*
to atata our vitwa aa to what that territory stolid b a t and pro*
aant ‘briefly our lzagpartaitaa as a bualtiaaa and banking canter ,
and our re 1st to m hip to the o m i m
and bualnaaa of t*n© states
of %emaaaee» Ke ntuofcy , Uieelealppif Alah&sm and Geer&Uu
fhe oonolwetom of the buaineaa ra#n of our territory, attar
a careful analysis* of tht purpo»^0 of the "tfadaraX ReaaFra Bar*
Law %
ia that It la to their beat interest * and hence to the
■bait intereat of the eomtry* to be in a region of diveralfled
indaatriettt out which poaeea&ee tha » a n s and faolXltlea for
taking oar® of aXX tha businaaa ra$ulremanta of tha region* anl
as far as poaaibXa independently of axy other region*
We deem
It abaedately aaaentiaX# in order that tha general purpeeos of
tha law may be gtttalnadf that the raglon in which we are Xocatad
ahaXX be atrong enough to finance I t a a K V ra&lialng full welX
that uitXaa* tha @ y a t « in aXX ita part®: ia a auooaaa* that tha
aueaeaa of fee ay a tea
a whoXe w ill b© JmparlXad*
With thia
end in vlaw* tha banking and buaineas iafcaraata of SaahvllXa and
tributary territory hair# put aside XeoaX pride and hare indorsed
Cincinnati1® claim for a Federal Kaaarra Banfct In tha belief and
'Unlaratandli^ that tha raglon which it will aarra wiXX be aa
balanced* and ita regional bank of ouch cap! taXiaation sand
atrength that tha induatrlaa of the region, agrlouXturaXt
aumt featuring mM commercial* may r e a l l y ba aoaonasodatad a t \
aXX % i » n *
Wa fully reallae that a regional feank to ba a auoaaaa
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Reproduced from the Unclassified I Declassified Holdings of the National Archives
Reproduced from the Unclassified / Declassified Holdings of the National Archives
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".
Cincinnati, 0. , February 16, 1914.
MEMORANDUM FILED BY GEORGE F. DIEIERDS, PRESIDENT OF THE
CINSINNATI CttAMBER OF COMMERClS^ AND MERCHANTS EXCHANGE,
WITH THE RESERVE BANK COMMITTEE, FAVORING THE SELECTION OF
CINCINNATI AS A PROPER LOCATION FOR ONE OF THE REGIONAL BANKS.
"A"
THE NATURAL TREND OF COMi£ERCE IS THROUGH THE OHIO VALLEY.
GLACIAL PEKIOD.
Scientists have drawn a logical map of what preceded the
advent of man in these parts.
I submit Exhibit No. lt
a map of pre-glacial period, (Howe's Historical Collection
of Ohio, Vol. lj page 741) showing that an ice dam at
Cincinnati had created a wide lake, extending eastwardly
for four hundred miles,-covering the lowlands of the Ohio
LAKE OHIO.
valley.
It varied in width as the lake pushed its area
upm the valleys of the Licking, Big Sandy, the Kanawha,
the Allegheny and Monongahela; the Muskingum, Sciota,
and the two Miamis, and White Water Rivers,-containing,
as it were, twice the area now occupied by Lake Erie.
FERTILE VALLEYS,
The waters receded, leaving fertile valleys; vegetation
flourished, and forests were almost inpenetrable.
.viOUNl) BUILDERS.
The mound builder came, seledting this valley for his
abode, becausemture was bountiful; and traces of his
early habitation are still manifest in the Serpent Mound,
(just south-east of Hillsboro, 0.); Fort Ancient, (just
north of Morrow, 0.); and minor mounds within Cincinnati.
INDIANS.
The more savage and war-like tribe of Indians drove these
peaceful dwellers from their selected abode, and in due
course the white pioneer sought his way along these same
lines of least resistance.
PIONEER TRAILS,
The banks of the Ohio made an easy trail; log rafting an
easy method, of navigation, and God*s country on both sides
of the beautiful river offered the necessities of life.
TRADING POSTS.
And it seems only natural that following these primitive
steps, the establishing of trading posts along the line of
FROM WB1GHTV5 ICE AGE IN NORTH AMERICA.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
the river should he the next step.
Limestone, Losantiville
Ft. Pitt, Ft. Hamer,
(Cincinnati),L6 uisville, Old
Vincennes,-mark the path and progress of civilization
and commerce.
RAFT AND BARGE
Rafting was followed by "barge transportation, and as
TRANSPORTATION.
early ae 1816, the steamer "New Orleans" was built at
Pittsburg,--only nine years after Pulton completed the
"Clermont" on the Hudson.
STEAMBOATING.
Steamboating opened for Cincinnati a quick rise in
population, commerce, and importance.
It became the
source of supply to the lower Mississippi,-and many a
house in Cincinnati today owes its importance to the
quarterly and half-yearly trips of the boats laden with
#-
boots and shoes; clothing for men, and dress goods for
COMMERCE.
women; manufactured tobacco and flour; furniture, and
whiskey, which they sent to southern mMkets.
These
boats came back laden with sugar, cotton, molasses, rice;
southern fruit and tobacco.
POPULATION.
The westward trend of population likewise seems to have
followed the lines of least resistance pursued by the
savage and them pioneer, and cheap transportation offered
by river navigation.
CDJTSR OF
A map is here furnished, marked Exhibit "B", showing the
POPULATION.
moving westward of the center of population with each
decennial census,-(abstract of the thirteenth census
population as taken 1910, page 31).
Cincinnati is located 29°, 4* latitude, north.
For 120 years the center of population o£ the
United States has moved along the 39° of latitude,
with a few minutes on one side or the other of said
39° maridian.
WESTWARD HO.*
1790---Forty miles east of Baltimore.
1800---Twenty five miles west of Baltimore.
181Q-~~Fifty miles north-west of Washington.
1820-— One hundred miles west of Washington.
1910-C E N S U S - V O L U M E :'1.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
1830--*0ne hundred and forty miles west of Washington.
1840-- Twenty five miles south of Clarkesburg.
1850--*Twenty five miles setth east of Parkersburg.
I860-— Twenty five miles south of Chillicothe.
1870-«**0ne hundred miles east of Cincinnati.
1880---At Cincinnati.
1890---Fifty miles west of Cincinnati.
1900— At Columbus, Indiana.
1910-^-Forty miles east of Bloomington.
39°.LATITUDE.
Calling your attention to the close adhesion with tfich
the center of population follows the 39° of latitude.
Assuming from this that a zone created by using as a
center a city located in the line along which this
center of population has traversed these many years, you
can use any radius which your Committee thinks proper,
and not fail to get and serve a greater number of people
within that zone. thaa if the same radius was applied to
any point away from the line, traversed by the center of
population in its westward course.
CENTER OF
In this same map you will find marked the center of
MANUFACTURE.
manufactures, as given in the 1900 decennial census,-(the
center of manufacture for the 1910 census has not yet
been published).
It seems natural that the location of
factories will influence and have a direct bearing upon
density of population.
The predominance of agriculture
in the south,-while manufacturing predominates the north,pulls the center of population along a more southern path.
Both centers, however, are within the advantages offered
geographically by Cincinnati,
POPULATION
An analysis of the 1910 census shows a population living
WITHIN RADIUSES.
within different radiuses of Cincinnati to be;
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Within
*»
«
«
«
"
100 miles........... 2,793,187
200
w .........
8,678,526
500
" ........... 20,880,946
400 * " ........... 30,901,518
500
" ........... 42,939,812
600
M ........... 62,415,102
It will be seen that more than 20 per cent of the population
of the United States
within 300 miles of Cincinnati,
and nearly three-fourths of the people of the country
live within 600 miles.
The canalizing of the Ohio River, at a total expense
estimated to be approximately 63 million dollars;
the U. S. Government is building locks and dams wftich
within ten years assure a nine foot stage of water from
Pittsburg to Cairo*
This will rehabilitate water
navigation, and the Ohio valley will again come into the
position it occupied prior to the coming of rail
navigation.
As a feeder to the Panama Canal, the
commerce of the Ohio valley will be increased manifold.
And should your Committee select Cincinnati as the center
SEDUCTION.
of the zone to be covered by a regional bank, you will be
placing within that zone the Ohio valley, and the natural
course of commerce; the center of population, and the
center of manufacturing.
You will, in fact, be serving
the farmer at his plow in our State, and the south; the
mechanic at the forge and at his bench; the miner of coal
in Ohio, West Virginia, and Kentucky; and the greatest
number of people of diversified occupation you can find
within any zone you may seek to create.
"B"
CONFIDENCE OP THE PEOPLE IN CINCINNATI BANKS.
Banking is so closely connected with trading and commerce,
that, in the case of Cincinnati, banking almost preceded
the opportunities of trade.
Allegheny was founded in 18o3.
The first bank west of the
The charter of the Miami
Reproduced from the Unclassified IDeclassified Holdings of the National Archives
jilAMI EXPORT
Export Company explained its purpose to "be "to try to
COMPAiTY. 1803.
develope facilities for shipping goods". and "to do a
oonventional banking 'business. *
MORE BASKS.
In 1814 Cincinnati had three banks to "facilitate the
shipping of goods*"
PRESEIIT BASKS.
And in 1914, Cincinnati has
8 national Banks,
30 State Banks and Trust Companies.
With Bank Capital............ ...... # 19*673,400
Bank Deposits.............. ..
130,168,021
Bank Resources................. 184,243,857
Bank Clearings--1900,............ 795,503,000
— 1912,......... 1,369,215,000
Post Office Receipts--1900.........
— 1912.........
#
1,291,088
2,621,186.90
Bach and all still "facilitatiagthe shipping of goods."
Aiding the farmer, the miner, the manufacturer, to bring
his products* to sale,-and enabling all of them to pay
millions of dollars in operating expenses, including an
average weekly pay-roll of a million dollars.
PAHICS.
Cincinnati has stood the test of the financial stringencies
which have come over the land, and Cincinnati passed
through the panics of 1873, 1893, 1907, without any dire
effects.
Conservative banking,-combined with the cordial
co-operation of the banks with each other through the
ezollent clearing house association of Cincinnati,
has enabled Cincinnati to weather the stroms which some
other cities, less favorably situated, have found more
difficult to overcome.
CONFIDENCE.
Ho pay-roll in this city has been defaulted, and our
people have the utmost confidence in Cincinnativs
financial institutions.
OQITSEEVATXVa
The population of Cincinnati is largely foreign, or of
J0PULAT1QM.
foreign parentage.
We particularly are proud of the
great number of Germans in our midst.
They have added
to Cincinnati not only artistic temperament, and mechanical
skill, but have instilled into Cincinnati the spirit of
Reproduced from the Unclassified I Declassified Holdings of the National Archives
economy and thrift.
Savings deposited in Building
Associations and savings banks has made Cincinnati a
CITY OF HOMES,
city of homes, owned by those who live therein.
We are rated conservative.
While Cincinnati has had a
natural increase, it has never had a boom.
The
diversified occupation of its people has made it less
susceptible to depressions; and the confidence, good
will, and desire to do business with our banks
finds
reciprocal relations with banks located far and wide.
Cincinnati is a reserve city under the National Bank Act.
U.S. GOVERNMENT
It has a Sub-Treasury of the U. S. .
OFFICES,
collection office of a United States Internal Revenue
District*
It is the main
It is the seat of District and Appellate
U. S. Courts.
And to all of which a regional bank would
occupy government and reciprocal relations.
HAM
RECIPROCAL RELATIONS WITH THE SOUTH.
SOUTHERN
The early exchange of products with the south built up
RECIPROCAL TIES.
reciprocal relations, with so many tender ties that no
city in the north was so severely touched, and so sorely
tried by the events of the late *50*8, and by the war
WAR 1860-65.
itself, like Cincinnati.
The known hospitable nature of
the Southerner would preclude the thought that business is
business, and all dollars, without sentiment.
The
direct visit of our business men to these southern
markets and homes established many warm friendships,-friendships that even war could not turn into hatred.
A decade of hesitation and separation made the desire
for a reunion, and continuance of old ties all the more
wished for.
As Cincinnati^ commerce moved by the
river, it was confined to the south west,-principally
reaching Cairo, Memphis, Vicksburg, Natchez, and New
Orleans.
To reach the central south, and the south-east*
Reproduced from the Unclassified / Declassified Holdings of the National Archives
was a wish that reached a crystalized form, when in
1856 Cincinnati "business men resolved to build a railroad
directly south from Cincinnati, and backed the thought up
by a pubscription list, pledging one million dollars
to the project.
That night every house in Cincinnati
illuminated its windows with many candle lights in
jubilation over the new benefits so fondly hoped for*
Later in that same year a strong delegation from Cincinnati
GREAT SOUTH)
WESTERN RAILROAD
OOHVEITTION.
attended thewGreat South Western Railroad Convention”
at Knoxville, presided over by Gov. Hayne, of South
Carolina.
The convention was attended by representatives
from nearly all southern states.
The enthusiasm was
great, and it did look as if a railroad from Cincinnati
to Charleston would be built without loss of time.
The finalcial crash of 1857, however, stopped all plans.
Ten years of exploitation followed.
Local capital had
built the Little Miami R. R., (now owned by the Pennsyl
vania) to the East, and the C. H. & D. R. R. to the north.
Ten years of political unrest followed, and then the war.
GATEWAY TO
The necessities of a railroad to make Cincinnati the
THE SOUTH.
gate-way to the south were still as apparent as in 1 8 3 6 .
The constitution of Ohio, adopted in 1851, prohibited
any municipality to give a bonus for the building of a
railroad.
However, E. A. Ferguson, a rising, determined,
young lawyer, advanced the thought that Cincinnati build
and own the railroad, and forced this thought into an
enactment of the Ohio Legislature, which was confirmed by
City Council, and accepted by the people of Cincinnati
in a referendum vote submitted on the 20th of June, 1869.
SOUTHERN R. R .
The road was built, taking ten years in construction.
It cost a little over twenty three million dollars, and
is three hundred and thirty six miles long,--reaching
directly south from Cincinnati to Chattano©ga.
It is
Reproduced from the Unclassified / Declassified Holdings of the National Archives
under lease to the Cinti. N. 0. & T. P. R. R. and part
of its grand system; reaching the cream of the south
and brirlJJ^to Cincinnati not only the advantage of trade
to and with the south, but fostering the ties of
friendship between us and the south, for which our
fore-fathers so fondly prayed in 1836,
In the renewal of lease, which runs for sixty years
from 1901, the City is receiving now an annual rental of
over one million dollars,--an excellent return on the
capital invested, which in itself &as been like bread
BREAD CAST UPON
cast upon the water to be returned after many days.
THE WATER.
This monetarynconsideration, however, is small when
compared to the real benefit that Cincinnati has in the
close trade ties with the new south and its progressive
people.
When in 1880 the Cincinnati Southern Ry. was ready for
traffic, the business men of Cincinnati invited the
merchants of Kentucky, Tennessee, Alabama, Virginia,
North and South Carolina, Georgia, Florida, Louisiana and
SOUTHERN
r .rV d e d i c a t i o n .
Mississippi, to join with them in the dedicatory exercises
as Cincinnati’s guests.
A banquet in Music Hall was
part of the program, and three thousand men sat down and
broke bread.
MEMORABLE EVENT.
The banquet was to go down into history
as one of the memorable events in the history of Cincinnati;
not because this feast excelled in food, drink, or oratory,
but because of an unexpected incident which followed when
the band struck up MDIXIEH, and every mothers’ son of
the South got up and yelled.
The tune changed into the
"Star Spangled Banner"«, and it has always been conceded
that the mentioned sons of the south cheered louder and
longer than their northern hosts.
With this reference
it must not be overlooked that the "bloody shirt" was
Reproduced from the Unclassified / Declassified Holdings of the National Archives
still "being waved in political campaigns for political
purposes.
Yet today we glory in the fact that Confederate
and Union veterans attend each others® reunions, and
decorate the graves of each others heroes.
Your honorable Committee,--we claim the friendship of
the South, and believe that Cincinnati is logically in a
LOGICAL CENTER.
position to take care of the business of such part of the
south that your Committee will put into the zone which
you will create, having Cincinnati as its center.
We claim for Cincinnati that we are the most northern
city of the south, and we are the most southern city of
the north, and occupy the indisputable
geographical
GEOGRAPHICAL
position of being nearest to the national trend of
POSITION*
commerce through the Ohio valley.
Cincinnati is on the
direct line of march of the United States, over which
the center of population has pushed westward for more
than a hundred years.
"D"
CINCINNATI AS A MANUFACTURING CENTER OF MANY DIVERSIFIED
INDUST1IES.
The transition from merchandising in agricultural
products into a big manufacturing center was a gradual
MARVELOUS GROWTH.
evolution, made possible by the marvelous growth and
expanding needs of our country.
Cincinnati is located within easy aeach of the good and
cheap coal of four states; Ohio, Pennsylvania, West Virginia
and Kentucky.
RESOURCES.
Pine wood to its north; hard wood to its
south; limestone at its own door,--it needed only
mechanical skilled labor to put these natural advantages
to work.
From its very beginning, Cincinnati counted
among its citizens men of unlimited civic devotion,
personal skill, and commercial dareing.
Martin Baum did
Reproduced from the Unclassified I Declassified Holdings of the National Archives
not hesitate to send to Bav«ria for chemifete, and the
first Nicholas Longworth only exercised keen "business
foresight when he “
brought vintners from the Rhine to
cultivate the Catawba grape on our hillsides.
Cincinnati benefited by the first infliax of foreign
emigration in 1836, and these dwellers in Cinti. brought
to Cincinnati the second influx in 1848, when the flower
EMIGRATION.
of Germany lost in its struggle for liberty, and they
sought in this country the liberty for which they fought
and lost in their own.
The rapid strides of Cincinnati in manufacture, the sciences
music and art, were made possible because of the new spirit
which came to Cincinnati through these prople.
The large number of substantial kinds of manufacturing
and the absence of great predominence of any one such kind
is shown in the following table.
The first column of
figures represents the percentage which the total value of
the products of the largest single kind of manufacturing
is to the total manufactured products of the Metropolitan
center of Cincinnati, (1910 census).
The second column
shows the percentage which the three largest kinds
together is of the total of all manufactured products.
The third column shows the percentage of the six largest
kinds.
The fourth column shows the number of kinds of
manufacturing according to the United States census, the
value of whose products is at least l/ 2 of 1 # of the total
value of manufactured products;
Largest
Three
Largest
Six
Largest
Cincinnati......... 10.0#
Cleveland.......... 13.6#
Louis........... 19.0#
Detroit............ 2 2 .1 #
Minneapolis & St.Paul 32.2#
Pittsburg. .......... 40.9#
24.5#
34.7#
32.6#
33.7^
45.7#
64.8#
39.8#
48.7#
43.5^
4 7 .3#
59.0#
73.7^
Humber of kinds
l/g of 1 # a n d larger.
27
23
27
22
21
13
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Prom this it will be observed that while the largest kind
of industry in Cincinnati manufactures only 10$ of the
total value of its products; in Cleveland, St. Louie,
Detroit, Minneapolis and St. Paul* and Pittsburg, the
single largest kind of industry represents from 13.6$
to 40*9$ of the total products of manufactures in these
cities.
This also shows a greater predominence of a
single kind of industry in all of these cities than in
Cincinnati.
The percentage of the three largest kinds in Cincinnati
is 24.5$, while in other cities it ranges from 32.6$ to
64.8$.
For the six largest industries Cincinnati’s figures are
89.8$, while with the other cities it runs from 43.5$ to
73.7$.
In Cincinnati we have twenty-seven kinds of industry,**
the products of each of which is at least l/ 2 of 1 $ of the
total products of manufacture, while with other cities
large industry is concentrated among a few kinds as shown
in the fourth column of the above table.
Attached is a schedule showing the value of the products
of the twenty-seven industries in Cincinnati of l/2 of 1$
or more of the total;
Total,--all industries,
------ ------- #260,399,619.00
Foundry and machine shop products---- 26,186,468.
Slaughtering and meat products----- - —
19,922,614.
Clothing, men’s, including shirts----- 17,646,324.
Boots and shoes, including cut stock and
findings14,998,672.
Printing and publishing------ ------- — < 13,998,611,
Liquors, malt.... ..... ..... ... ... —
11,016,171.
Liquors, distilled--- --- ------------8 3 744, 761.
Carriages, wagons and materials--- ----8,157,665.
Lumber and timber products-------- 7,401,558.
Bread and other bakery products--- --- — ~ 5,691,232.
Furniture and refrigerators----- ----- 5,646,080.
Tobacco manufacture---------------- 5 496 839.
Leather, tanned, curried and finished---5,058 920.
Copper, tin and sheet iron products-----*- 4*470^093.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Paint and varnish---- -- *— >--3,879,810*
Clothing, women’s---- ----- ----- 2,912,862.
Stoves and furnaces------ - - - - - - - - - - - - 2 , 3 2 4 , 9 5 0 .
Coffee and spice, washing and grinding-2,110,024#
Confectionery----- -------- -------- ---2,029,075.
Cars & gen*l shop construction and repairs
by steam railroad companies------ 1,969,014.
Ink, printing---------- ------------ ~ 1,884,894.
Musical inetruments----- 1,752,617.
Fertilizers----- ---- ---- -------- .1,675,679.
Flour mill and grist mill products-- -•*1,635,493.
Leather goods----------------- 1,518,778.
Safes and vaults----------------------1,401,157,
Patent medicines, drugs and preparations- 1,293,009.
FORCEFUL FACTS ABOUT CINCINNATI.
Center of market, being within twenty-four hairs of
76,000,000 people.
The largest center of hardwood lumber in the world.
Only city in the United States owning a steam railroad.
Leads the world in the manufacture and quality of
machine tools.
Leads the world in the manufacture of wood-working
machinery.
Produces more soap than any other city in the United States.
Has the largest and most complete bottle factory in the
world.
Leads the world in the manufacture of prisons and
ornamental iron.
Has the largest office furniture factory in the world.
Center of the largest soft coal producing fields in the
world.
Has the largest tannery under one roof in the world.
Has the largest trunk factory in the United States,
Ranks first also in the manufacture of acids, bookcases,
field musical instruments, playing cards, printing
inks, laundry machinery.
Has a greater variety of factories than any other city
in the country.
Ranks third in the manufacture of "Tailor to the Trade**
clothing.
Greatest lithographing center in the United States.
First compressed yeast factory in the United States, which
factory today distributes 90 pe# cent of all the
compressed yeast made in this country.
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Hanks second in the production of women* £ cloak* and
men’s caps.
Leading market in the country for medium priced clothing*
Leads in the export of special pianos built in special
designs for tropical and other countries.
Center of the greatest carriage district in the country.
Largest distributing center for whiskey in the world.
Leads in the production of cigar boxes.
Is a leading shoe manufacturing center.
Ranks third in the manufacture of electrical machinery.
Makes more playing cards than any other city in the world.
Has the largest leather supply house and the largest
harness factory.
Has the second largest factory in the world for the
manufacture of baseballs and baseball supplies.
The variety of substantial manufacturing groups represented
here; the variety of kinds of trade; the conservatism
of the population; the soundness and conservatism of the
banks, and the absence of the mush-room growth of the
city, all make Cincinnati one of the last places to feel
hard~times, or to have its financial affairs seriously
affected by failure or disaster of one kind of crop,
or of one line of industry.
IK CONCLUSION;
The Cincinnati Chamber of Commerce respectfully asks
that your Committee consider the facts represented by the
several captions of this memorandum, viz;
WA"-*»THE TREND OP COMMERCE IS THROUGH THE OHIO VALLEY.
"Bw--EH3S CONFIDENCE OF THE PEOPLE IN CINCINNATI BANKS.
»CW— OUR RECIPROCAL RELATIONS WITH THE SOUTH.
"Pw--CINCINNATI AS A MANUFACTURING CENTER OF MANY DIVERSIFIED
INDUSTRIES.
It had been our intention of presenting these in pyramid
form,—each caption to be a block of granite,-all completing
Reproduced from the Unclassified I Declassified Holdings of the National Archives
the structure*
We had intended to rest this pyramid
upon a solid foundation, Made up of their careful
consideration by your Committee,-cemented, as it were,
by your feeling of good will.
We will eliminate the picture we had so
beautifully drawn, and close by offering to you* our
prayers that whatever your conclusion be, that you will
disappoint but few, and satisfy many*
We hope that the
six hundred thousand people making up metropolitan
Cincinnati, and their millions of friends,--south, north,
east and west,•may be among the many whom your
Honorable Committee will please.
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Reproduced from the Unclassified I Declassified Holdings of the National Archives
\
*
.
/)
7
BRIEF SUBMITTED BY
CHARLES A. HINSCH, PRESIDENT
OF TIE CINCINNATI CLEARING HOUSE
SUPPLEMENTAL TO THE BRIEF FILED BY
THE JOINT COMMITTEE
WITH THE
HONORABLE ORSANIZATION COMMITTEE
UNDER THE
FEDERAL BjMjPjjVft ACT
— iMi—
I
—I
R eproduced from the U ncla ssified
\
a
i
—
I D eclassified H oldings of the N ational A rchives
WMiai Mffi f rn-r ~iir- iinjiniiTiitirwiiMTCMTiTiTiyiTrTTrirtfrin^lTfifiJ
R eproduced from the U ncla ssified / D eclassified H oldings of the N ational A rchives
\
Ohio, Indiana, West Virginia,
Kentucky and Tennessee#
As this District, without question,
will lie.more than self .jtat&ining* the.District
could with saffcfcy be enlarged by the addition of*..M
or
mm*e
so called Cotton States, or parts thereof.
This District
184,540 square m i l e s . .5#
13,161»000 pojsilntion* = * . ■ # • X 3 ^ ,
;National Banks. *,**
• '■ 2,551 State Banks..........12$ .
'384,565,000 Combined Capital
' „&
+
1
*
Combined Deposits.... 8%
See Mit&ttit, ? # - *BW - *C* attached*
■lie following foots were potent factors
in t&# ae&$(l££3H of the District ilsti-
A Federal Reserve Bank composed of
only the National Banks in the District would be
possible having ai
Capital of *.#•■■*.,*■*..»*>-*■
mm* 1,766,000
Dc posits ;of #;*■** #**%-■*#;##» v 42 ,BS 0 ,000
Issue of Federal Reserve
Notes ** m,* ... •*-**-*■'*,*•*■***
&.-*•# 29f-Jlfb5,000
Loans
ft.*.**■*-#*».#.#.*-**■♦*.#* 5*7,044,000
This does not include additional U. S* Deposits
authorized by the Federal Reserve Act.
Including
■._BMJ_I_U_LMIII ■
— HTVIHI11II —
—■■mi------— m ^
----------------------------5--- m — — -----
Reproduced from the U ncla ssified / D eclassified H oldings of the N ational A rchives
\
■X&&m or
tyyanrw
57,057,000
115,000,000
------
R eproduced from the U ncla ssified
I D eclassified H oldings of the N ational A rchives
/
ft possible to reaoh Cincinnati t*y rail frora any
city in.the
within a maximua of say ten
hours.. Ilail or curronoy m m ho sent to or from
Cincinnati i*t
oug
night's run*
Cincinnati has the distinction of
haring constructed the Cincinnati Southern Railway*
extending 'f$ P m Cincinnati to Chattanooga, a distance
Reproduced from the Unclassified I Declassified Holdings of the National Archives
=5=
great States, Ohio, Indiana and Kentucky*
4thJ
In the establishment of the Sub-Treasury
in Cincinnati, the Government recognized the
geographical and strategical relation of the city to
the density of population, and the industrial and
agricultural activity of the District#
5th;
Cincinnati is a reserve City and the
commercial center of the District selected by our
Committee, and banks located in substantially every
County in the District maintain business relations
with this city, many of whom have expressed in writing
a preference for the location of a Federal Reserve Bank
in Cincinnati, stating that the natural trend of
their business is toward this City, the detailed
responses will be submitted in the general brief*
The knowledge of the needs and credits
of the District, predicated upon the close personal
contact of the Banks of Cincinnati with their corres
pondents throughout the territory, would be available
and of great value to the Federal Reserve Bank*
Cincinnati is normally, an easy money
market, and it is seldom that any of the banks in this
Reproduced from the Unclassified I Declassified Holdings of the National Archives
\i
=5=
(Cont)
city show either a Bills Payable Account or Bills
Rediscounted.
The Banks of this city hare given a
good account of themselves during the several
financial crises which have sw^pt the country, and
the disposition, ability and courage shown by
Cincinnati Banks in extending aid to their corres
pondents in times of financial stress, account to
a large extent for their loyalty to this city, and
of their desire for a continuation of the relations
which have existed in the past*
The Banks of Cincinnati shipped
$15,754,000*00 currency to their correspondents in
°hio, Indiana, West Virginia, Kentucky and Tennessee
from August to December inclusive, in the year 1907,
most of which was shipped during the months of
October and November, the extreme period of the
Currency Panic*
This does not include currency
delivered direct to the representatives of our
correspondents*
See Exhibit ^D11 •
On January 13, 1914, the National Banks
of Cincinnati had Deposits from other Banks of
$31,501,412*00 due largely to banks located in this
District.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
\
=5*
(Cont)
These Deposits are the result of years
of personal effort, and close attention to the
interests of their patrons, and not due to the
extension of abnormal terms in an effort to
attract balances from their legitimate channels*
6 tht The combined Resources of the National
Banks of Cincinnati are the largest of any City
in the proposed District*
They had on January 13, 1914sCapital, Surplus & Profits of*•*$23,164,000
Deposits of,••»»»»•••••**•••»»•* 75,900,000
The National and State Banks combined
hadj ~
Capital, Surplus & Profits of••*$34,922,000
Deposits of*•••«•*••»»*•*«»»•••*135,314,000
Reproduced from the Unclassified I Declassified Holdings of the National Archives
IMfMi
I
„
See
Tbe Clearing Bouse Banks osf Cincinnati
were recently allotted $1,600*000*00 crop moving
Hon.
money by the^Secretary
tlie Treasury^ As we did
not need it, we waived our ri$its to sane, lams
rendering the funds available to other sections*
*
this i s a further evidence of the
stability of this district#
the shipment of Currency by the Banks
of Cincinnati to their correspondents In the
pr©pe»e& distriist during tbe -yeaor
W
t
$48,000,000*00, and during the m e
S
amounted to
period, loans
to cerrespoi^tents were extended at reasonable rates,
in harmony with the balance# maintained#
t
m
the exchange operatic
m
m
between the
large isoney centers, exchange rates in this City
are not subject to violent fluctuations, and
exchange is furnished to corres pondents practically
at par at all seasons of the year#
f
t
M
the Bank Clearlngsof Cincinnati are .
the .largest.In
Matrlei* $h© total for the year
being $119,433,000.00,
See E x fclb lt
* %
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Btfri
1fttin tltc o o i a p l o %
tlio
«f iiitt «K*ri©if *>f Xoelss and &arsss am? ur*ler Qoastvaoilaii
la fch© Otiio Itiwr, Cincinnati wilt
o
n
j
a
$
a nitxj foot
qr.mter tti# your rotai*!* fmrs Plttstmr& to
tho 3til£ of Mexioo* ffwis imu^iits tbo 2<mnhs& smnksIM#
transportittim *atoa for all of tlio ctiio Vanny*
m m m m t%
fttit
*& **
Tlio Internal Utmsmso CoIIoo&Iqiisi of
tlits f&sfcrinfc amsmftod last y o w to $X O*103,046*00*
1 2 S|ri
of CSnotivKiti to c m
■<HP fe&o m m t taportisrjt to tlio Coccrtr^, our raoedpte
tkcnr&ig immiNri! f » n |l#5Mi#ooo*oo to ftMm to
$2^73tM*w»m
to
tM k sr fetio p w is & o tu i o r tlio vmoXacidi
Mitriofe B i i l *
t t o O t o & r t e g ffmtae tamlai o f C i n c i n n a t i
fonnod :
^io
€
w
m
m
t
$
A
m
m
t
A
n
t
S
n
n
of
O in e tiu m tt, cr^tSiolngt
11 eotmti&st £ti Ohi»#
fj empties in Kmtttt&y*
3 Comtloa to X«*£t£mia»
1 t o t a l & oc:terafilp
tltip tT -fK y ^m B m & a* tlio
£asr@swt U m ^ h o t M L p t o t t m
with
cm*8>:1»q &
tt»o A o & *
Capital ant! S*«t*£»l«0 of
W© b.-rrc w a r ? nanf& fanoo in w
,000*OH.
a M lity
Reproduced from the Unclassified / Declassified Holdings of the National Archives
t» p w
fm & B
mm m m * ami twint that trhtai all the
anti m i i t e m m are p F o w w & e & . t # y m t 9
trill !k * f&eni*a&le to itn far ttte o»fca£>lifs!s**
emit
a ruitemi t e w
Hank la Cina&itia&l*
Reproduced from the U ncla ssified / D eclassified H oldings of the N ational A rchives
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Reproduced from the Unclassified I Declassified Holdings of the National Archives
EXHIBIT *0*
HATIOKAL BAKES
go.
1ted States
f
f
Capita}, & Sari>lus
£1*7811*704,000
m
deposits
195,972,000
|*,344,781,000
■* '“
*
»'X
800,691,000
93*916|000
407,386*000
‘t-
District
t
o
m
Ohio
m
Indiana
2m
40*827,000
West Virginia
t
16,593,000
64,486,000
Kentucky
145
25f867|000
78t849|000
Tennessee
109
18*760*000
78*294,000
®
i
®
TOTALS
Hfc&ted States 20,134
^3,888,308,000
*20,468,238,000
Bistrict
3 ,5 5 7
384,365,000
l,71«t234l«000
Ohio
1,134
174,899,000
907,249,000
81,208,000
388,841,000
liidiana
West Virgiaia
313
38,019*000
133,190,000
Kentucky
618
81,193,000
187,443,000
Tennessee
543
41,288,000
157,881*00®
National Bank Figures”as"oj
Call of the Comptroller for
October 21«1913.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
CAPITAL
HO,
&
SURPLUS
SI,628
$1,902,604,000
2,851
188,393,000
DEPOSITS
#m*4SI£*<IO©
,863,000
40.459.000
,165,
19.426.000
*M4r
tO0 ®
m 0z m , m m
REGIONAL BAJfE
•**•**»•»•
JL
4S.SM.040
®
ItOSiBS******.*.#*
•
x
Hot>6S* •••»* •»* *« • 29 ,395, 000
• Boo b sot include
S* Deposit authorized
by Federal Reserve Act#
o Represents 65$ of Deposits and amount
possible note issue*
of
x Predicated om Capital onlyf being paid iu gold,
and based on 4IKC Gold Reserve.
R eproduced from the U ncla ssified
I D eclassified H oldings of the N ational A rchives
709*000*00
886 ,000*00
475,000*00
W*2 r0 OO*OO
TEHNESSEE
6 oo#oo§*do
Reproduced from the Unclassified I Declassified Holdings of the National Archives
EXBX< "Hf
JAMl-HEX 13. 19t4«
m m js k
■ational Bo*tos—
sum** a tasa
$>*304,003
$7n,noo,(KSo
24,828,440
u*»a««,4ff©
15,03«,041
138,314,817
Clearin'; Haase
^k*«r§ng nous* d
Reproduced from the Unclassified I Declassified Holdings of the National Archives
nwuiJLiiX*
if
*** ##•* *
00OO
r
• * * * «* •
*K
*0 0 0
,000
LoulsTillo••**•»*••
89,
s**«**»**♦•**
ifi,
t#* •**••*
H ,
H^shTlllc *
♦ * • ♦ • * *- •' *
f*
*4 .
000®
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Reproduced from the Unclassified I Declassified Holdings of the National Archives
( t& K ik jd & i 6
T
Vw
TBi'- '■}
*- ‘
at
KEPOBT OF
TEE
IKDIAM
BAMEKS
ASSOCIATION
TO
THE ESPBRAL RESERVE BASK OBGAMZATIOK Q O MT TE E
'A'{'ft
Reproduced from the Unclassified I Declassified Holdings of the National Archives
FROM KSPOKTS TO COMPTROLLER, Oct 21, 1913
OF THE 256 H4TI01UL BANKS IK 110)1AHA
4 0,8 2 8,0 9 3.3 8
Capital and Surplus
Undivided Profits
4.6 1 8,5 0 2,8 4
Due Other National Banks
8.4 0 6.1 9 7,0 9
Due State and Private Banks
8.4 7 5.5 6 6.2 6
Due Trust Companies and Savings Banks
5.0 7 7.4 2 8,7 5
Individual Deposits
4 2%0 3 3,6 2 5.0 5
United States Deposits
2.5 5 4.5 3 9.1 5
Postal Savings Deposits
6 5 4.5 0 0.7 2
Deposits of U. S. Disbursing Officers
3 1 8.0 8 2.1 4
$
6 7.5 1 9.9 3 9.1 6
Total Deposits
Reproduced from the Unclassified I Declassified Holdings of the National Archives
HUMBER OP NATIONAL BANKS, STATE BANKS,
TRUST COMPANIES AND PRIVATE BANKS IN INDIANA, AND
CAPITA1 AND SURPLUS OP SAME;-
Number
National Banks 256
Capital & Surplus
| 4 0,8 2 8,0 9 3.0 0
350
1 7,7 5 0,0 6 0.0 0
Trust Companies 134
1 6,6 7 7,0 0 8.0 0
State Banks
Private Banks
197
937
6 6 6
National Banks 205
&
3 3.9 2 5.0 0
$ 7 9,5 8 9,0 8 6.0 0
BANKS FROM WHOM RESPONSES Y/ERB RECEIVED:
Ntunber
State Banks
4.3
Capital & Surplus
$ 3 3,5 3 2,2 3 2,0 0
)
) 354
2 5,3 3 9,6 5 6.0 0
Trust Companies)
1.4 0 2.9 5 0.0 0
Private Banks
107
$ 6 0,2 7 4,8 3 8.0 0
PREFERENCE FOR LOCATION OF RESERVE BANK
As between Chicago, St* Louis, Cincinnati, Louisville.
NATIONAL BANKS
Chicago
132 With Capital & Surplus i 2 5,2 6 7,0 6 2.0 0
Cincinnati
52
*»
**
**
St. Louiis
—
*•
*•
**
Louisville
18
t*
#*
9*
Scattering
__ 3_
**
**
**
205
6,2 9 4,9 8 5.0 0
1,8 9 3,? 8 5.0 0
7 6.2 0 0.0 0
$ 3 3,5 3 2,2 3 2.0 0
SECOND CHOIGEs
Chicago
60 With Capital & Surplus #
7,5 4 7,7 7 5.0 0
Cincinnati
66
9 9
**
9
»
1 5,3 2 2,7 1 0.0 0
St. Louis
21
**
M
**
7,4 4 7,9 3 5.0 0
Louisville
20
9
*
*t
**
1,9 5 6,3 0 0.0 0
Scattering
38
**
**
**
1.2 5 7.5 1 2.0 0
$ 3 3 , 5 3 2,2 3 2.0 0
205
AS BETWEEN CHICAGO AND ST. LOUIS
Chicago
St. Louis
201
4
205
With Capital & Surplus $ 3 3,4 5 3,7 9 7.0 0
*9
9 9
t»
7 8.4 3 5.0 0
# 3 3,5 3 2,2 3 2.0 0
Reproduced from the Unclassified I Declassified Holdings of the National Archives
PREFERENCE FOR LOCATIONJOJ^RESERVEJBANK
As between Chicago, St. Louis, Cincinnati, Louisville.
STATE .BANKS AM) TRUST COMPANIES
Chicago
241 With Capital & Surplus
Cincinnati
65
St. Louis
1
Louisville
Scattering
$ 1 9 , 1 4 8 , 1 2 5.00
4,0 4 2,6 4 0.0 0
t
•
**
9
*
*
**
9 9
2 8,0 0 0.0 0
25
*
*
9
9 9
1,0 1 5,4 0 0.0 0
22
9
9
9 f
•
9
9
•
•
........
lJLO 5.4 9 1.0 0
4 2 5,3 3 9,6 5 6.0 0
354
SECOND CHOICE
Chicago
58 With Capital & Surplus
Cincinnati 112
**
*«
9 9
St. Louis
34
**
**
9
Louisville
38
**
•*
9 9
9
*
Scattering 112
9
9
9
4
8,8 3 3,1 3 6.0 0
5,3 0 1,3 0 0.0 0
»
1,4 8 1,9 7 0.0 0
8.5 5 0.0 0
t
354
3,5 4 4,7 0 0.0 0
$
2 5,3 3 9,6 5 6.0 0
AS BETWEEN CHICAGO AND ST. LOUIS
Chicago
291 With Capital & Surplus
St. Louis
7
Scattering
56
554
$
2 2 ,4 8 0,6 2 0.0 0
1 1
•
9
» 9
3 2 0,0 0 0.0 0
*
9 t
9 1
2.5 3 9.0 3 6.0 0
f
$ 2 5,3 3 9,6 5 6.0 0
Reproduced from the Unclassified / Declassified Holdings of the National Archives
PREFERENCE FOR LOCATION OF RESERVE BANK
As between Chicago, St. Louis, Cincinnati, Louisville.
PRIVATE BANKS
Chicago
74
With Capital & Surplus
Cincinnati 20
**
tt
**
St. Louis
*
*
*»
t
# 9 5 1,3 5 0.0 0
2 7 4,1 0 0.0 0
•
Louisvilie
4
*»
**
*•
5 6,0 0 0.0 0
Scattering
9
9 9
9 9
•»
1 2 1.5 0 0.0 0
107
$ 1,4 0 2,9 5 0.0 0
SECOND CHOICE
Chicago
18
With Capital & Surplus #
2 4 9,3 0 0.0 0
Cincinnati 37
9 9
9 9
»9
4 5 7,2 0 0.0 0
St. Louis
13
9 9
9 9
t *
1 5 6,2 0 0*0 0
Louisville
6
9 9
9 9
*9
7 2,8 0 0.0 0
Scattering 33
9 9
9 9
»»
4 6 7.4 5 0.0 0
107
# 1,4 0 2,9 5 0.0 0
AS ESTWEEH CHICAGO AND ST. LOUI S
Chicago
St. Louis
84
With Capital & Surplus
4
**
**
Scattering 19
»*
#
107
*
$ 1,0 9 4,3 5 0.0 0
5 7,0 0 0.0 0
* *
»•
2 5 1.6 0 0.0 0
$ 1,4 0 2,9 5 0.0 0
RESPECTFULLY SUBMITTED,
Secretaly
Reproduced from the Unclassified I Declassified Holdings of the National Archives
me
if (£*tv)
v
February 26thf 1914*
/
Sirs
By d
I bag
to
o
f
tha Chairman,
aokaowlsdgs th« r<*o«lf»t of and
to thank you for your l«tt*r of February
19th
enclosing, as stated*
tional Banks,
a
list of Na
Stats .Banks and Trust Com
panies signifying their preference as to
the locations for Federal R•serve Banks*
Respectfully,
Seera tary,
Reaarv^ Bank Organisation Co-.raittao*
Mr*
And raw Sn ithv Secretary,
The Indiana Bankers Assoc Iration,
Ind ianapolis, Ind Iana*
Reproduced from the Unclassified I Declassified Holdings of the National Archives
President, M. S. S O N N T A G ,
Vice-President, J . P. F R E N Z E L , Jr.,
President American Trust & Savings Bank,
Evansville
Treasurer, G U Y R . B R A C K .IN ,
Vice-President Indiana National Bank.
Indianapolis
Counsel, A Q U I L L A 0- J O N E S ,
Cashier Farmers Deposit Bank,
Montpelier
(2%
Secretary. A N D R E W S M I T H ,
Assist. Cashier Merchants National Bank,
Indianapolis
30 8 Odd Fellow Building,
Indianapolis
Indiana H a n k m *
Aaaoriatimt
QDffe uf tJy?£>rrrdanj
501 C H A M B E R O F C O M M E R C E
i
/
A N D R E W SMITH
Vice-President Indiana National Bank
IN D IA N A P O L IS
Feb. 19, 1914.
Honorable Secretary McAdoo,
Treasury Department,
Washington, D* C.
S I IU~
As promised the Organization Committee
at the Cincinnati hearing, I an enclosing to you
herewith a list of the National, State Banks and
Trust Companies in Indiana who prefer Chicago as
first choice, also those who prefer Chicago second
/{tP lA A JC o
choice.
I also enclose a list of those in Indiana
A
who prefer Cincinnati as first choice, also as second
choice.
Trusting this information may be of service to
you, and with best wishes, I am
Yeiy truly yrmrs,
Reproduced from the Unclassified I Declassified Holdings of the National Archives
152 BAMS WHOSE FIRST CHOICE FOR
j .
LOOATI OK 0? FEDERAL RESERVE BANK IS
CHICAGO.
Angola
Argos
Anderson
Auburn
Arcadia
Ambia
Amo
Attica
Bedford
Bedford
B5cknell
Boswell
El coming'ton
Brazil
Brazil
Brazil
Carlisle
Cayuga
Clinton
Cloverdale
Columbia City
Covington
Crawfordsvilie
Crawfordsville
Crawfordsvilie
Crown Point
Dana
Decatur
Delphi
Dyer
East Chicago
Ed inburg
Elkhart
Evans ville
Evansville
Evansville
Fortville
Flora
Flora
Fort Branch
Fort Wayne
Frarkfort
Frankfort
FreelandPark
Fort Wayne
Fowl© r
Goodland
Gary
Goshen
Greencastle
First National Bank
t»
f*
* *
Peoples State National Bank
City National Bank
First National Bank
First National Bank
First Rational Bank
Central National Bank
Citizens National Bank
Bedford National Bank
First National Bank
First National Bank
Bloomington National Bank
Citizens National Bank
Riddell National Bank
First National Bank
First National Bank
First National Bank
First National Bank
First National Bank
First National Bank
First National Bank
Citizens National Bank
First National Bank
Elston National Bank
First National Bank
First National Bank
First National Bank
Citizens National Bank
First National Bank
First National Bank
Farmers Natioral Bank
First National Bank
0Id National Bank
Bankers National Bank
City National Bank
First National Bank.
Bright National Bank
First National Bank
Farmers & Merchants Nat. Bank
First National Bank
American National Bank
First National Bank
First National Bank
German-American Nat. Bank
First National Bank
First National Bank
First National Bank
City National Bank
Central National Bank
Reproduced from the Unclassified / Declassified Holdings of the National Archives
-
2
-
5 JI I Q A A. P- (continued)
Greenwood
Hagerstown
Hanmond
Hammond
Hartsvilie
Hnntir*': ton
Indianapolis
Indianapolis
Indianapolis
Indianapolis
Indiana Hartor
Kokomo
LaPayette
LaFayette
LaFayette
LaFayottp
LaForte
Logansport
Logansport
Lowe 11
Lowell
LlioMgan City
Mi shawaka
Uarion
Marion
Michigan Oi ty
2.1i-tshe 11
Monrovia
Monti cello
Montezuma
Morgantown
Lit. Vernon
Monterey
New Carlisle
Sew Albany
Noblesville
Noblesville
North Manchester
Oakland City
Od on
Peru
Plymouth
Princeton
Princetor.
Poseyvilie
Petersburg
Portland
frinceton
Rensselaer
Rookport
Rockville
Citizens National Bank
First national Bank
Citizens German national Bank
'First National Bank
First National Bank
First Nati onal Bar-V
Merchants National Bank
Fietcher*-American National Bank
Indiana National Bank
National City Bank
Indiana Harbor National Bank
Howard National Bank
City National Bank
First Natifinal Bank
Merchants National Bank
American National Bank
First Nati ohnul Bank
?,ity National Bank
First National Bank
Lowell National Bank
State National Bank
Herchants National Bank
First National Bank
First National Bank
Uarion National Bank
First National Bank
First National Bank
First National Bank
Honticello National Bank
Thirst National Bank
First National Bank
Mt. Vernon National Bank
First National Bank
First National Bank.
Second National Bank
American National Bank
Pirst National Bank
Lawrence National Bank
First National Bank
First National Bank
First National Bank
First National Bank
American National Bank
Peoples National Bank
Boaijman-7/aters National Bank
First National Bank
First National Bank
Fanners National Bank
First National Bank
First National Bank
Bockville National Bank
Reproduced from the Unclassified / Declassified Holdings of the National Archives
- 3-2.11 .0. A Q H (continued)
Rochester
Bosedale
Russiaville
Shel'byville
Shelburn
Sheridan
Sheridan
Shirley
South Bend
South Bend
South Bend
South Bend
Spencer
Swayzee
Terre Route
Terre Haute
Thorntown
Tipton
Tipton
Trafalgar
Valparaiso
Valparai so
Wadesville
Washingtor
Wewt Baden
Westport
Whiting
White liana
Wilkinson
Winamac
Winanac
First National Bank
Hosedale National Bank
First National Bank
Farmers National Bank
First National Bank
Farmers National Bank
First National Bank
First National Bank
Merchants National Bank
First National Bank
Citizens national Bank
South Bend National Bank
Spencer National Bank
First National Bank
First National Bank
T°ire Haute,National Bank
Home National Bank
First National Bank
Citizens National Bank
Farmers National Bank
Valparaiso National Bank
Farmers National Bank
Farmers National Bank
Peoples National Bank
West Baden National Bank
First National Bank
First National Bank
Whiteland National Bank
Farmers Natioral Bank
Citizens National Bank
First national Bank
Reproduced from the Unclassified / Declassified Holdings of the National Archives
241 State Banks & Trust Companies
10SB FIEST CHOICE FOB .LOOATICI1.JE32BML
KESKRVH BAM IS (I. E, L 1.4 G 0.
Akron Exchange Bank
State Bank of Akron
Albany State Bank
Albany
Farmei s & Merchants Bank
Ambia
Citizens Bank
Anderson
Steuben County State
Angola
Farmers Sc Merchants State
Attica
Peoples
State
Arcadia
Auburn
State
Auburn
Savings Lo & Tr Co
Auburn
Bourbon Banking Co
Bourbon
First State
Bourbon
Citizens Bank
Bicknall
Citizens Trust
Bedford
Bloomington
Citizens Lo & Tr
Berne
Bank of Berne
Knisely Bros & Co
Butler
Bank of Brook
Brook
Fanners ^Merchants
Boswell
Bippus Ste.te
Bippus
«7ells County Bank
Blufftnn
Brazil
Brazil Trust Co
Union State Bank.
Bremen
Bargersville
Farmers State
State
Bank of Burnettsville
Burnettsville
Bloomfield
Bloomfield Trust Co
Bank of Brookston
Brookston
Burney State
Burney
Cynthiana Banking Co
Cynthiana
The Exchange Bank
Churubusco
Bank of Chalmers
dialme rs
Columbia City Provident Trust Co
Citizens Bank
Covington
Peoples State Bank
Crown Point
Crown Point
Commercial Bank
Peoples
State
Carlisle
State Bank
Chalmers
State Bank
Clarks Hill
Farmers State
Colfax
Fountain Trust Co
Covington
Clayton
Clayton State
Citigens Bank
Clinton
C rawfordsville Crawfordsville State
Cromwell State
Cromwell
Dana State
Dana
Farmers & Merchants State
Darlington
Old Adams Co* Bank
Decatur
Delphi
Carroll Co. Lo & T r Co
First State
Dunkirk
East Chicago Bank
East Chicago
!r & Sav Bank
East Chicago
Elberfeld
Akron
• *
Reproduced from the Unclassified I Declassified Holdings of the National Archives
-2 The Thompson Bank
Edinburg
Citizens Trust Co
Elkhart
First State Bank
Elkhart
St. Joseph Valley Bank
Elkhart
Citizens State Bank
Biwood
Evansville
American Tr & 3av Bank
Evansville
Mercantile Tr & Sav Bank
Evansville
West Side Xxxfi* Bank
Evansville
Peoples Sav Bank
Evansville
North Side Bank
The Etna Bank
Etna Green
French Lick
French Lick State
Freelandville Freelandville Bank
Frankfort
Frankfort Lo & Tr Co
Fai rmount
Fai rmount State
Flora
Carroll Co Lo Tr & Sav Co
Fortville State Bank
Fortville
Fort rtTayne
Citizens Tr Co
Frankfort
Farmers Ban fc
State Bank of Francesville
France sville
Fremont
First State Bank
Elkhart Co. Tr Co
Goshen
Goodland
State Tr & Sav Bank
State Bank of Greentown
Greentown
Greenfield
Capital State
Grabill
Grabill State Bank
Gaiy
South Side Tr & Sav Bank
Galveston
First State Ban k
Garrett
Garrett State Bank
Gary
Gary" State Bank
Gary
Gary Tr & Sav Ban k
Geneva
Bank of Geneva
State Bank of Goshen
Goshen
Greenfield
Greenfield Banking Co
Salem Bank
Goshen
Hammond
American Tr & Sav Ban k
Hammond
Lake Co Sav & Tr Co
Harmond
Hammond Sav 6b Tr Co
Huntington County Bank
Huntington
Hammond
East Side Tr & Sav Bank
Huntington
Citizens State Bank
Harlan State Bank
Harlan
Hebron
Citizens Bank
Haubstadt
Haubstadt Bank
Hanover Deposit Bank
Hanover
Citizens Sfcate Bank
Hazleton
Howell
Farmers & Citizens Bank
Huntington
Fanners Trust Co
Huntington
Huntington Trust Co
East Side State
Indianapolis
American State
Indianapolis
Indianapolis
Irvirsgton Bank
Live Stock Exchange Bank
Indianapolis
l^yer-Kiser Bank
Indianapolis
Indiana Harbor Citizens Trust * Sav Co
Fletcher Sav & Tr
Indianapolis
Citizens State Bank
Indianapolis
Marion County State Bank
Indianapolis
Aetna Tr & Sav Co
Indianapolis
Reproduced from the Unclassified I Declassified Holdings of the National Archives
-
3
Indianapolis
Indianapolis
Jasonville
Jasper
Jamestown
Kempton
Kentland
Kentland
Kokomo
Ladoga
Ladoga
LaFayette
LaPayette
LaGrange
LaGro
Laketon
Lapel
LaPorte
LaPorte
LaPorte
LaPorte
Lebanon
Lebanon
Ligonier
Ligonier
Linden
Linton
Logansport
Lucerne
Marion
Marion
Matthews
Medaryville
llentone
Michigan City
Michigan Gity
Kiddlebury
Millersburg
Mi shawaka
Mi shawaka
Monticello
Monticello
Montmorenci
Montpelier
Monon
Monon
Mooresville
Morocco
Mooresville
Mulberry
Huncie
Newport
North Liberty
New Bichmond
Nashvill e
Hew Augusta
Newburgh
New Market
-
Indiana Trust Go
Smith Side State Bank
Peoples State Bank
Dubois Go* State
Citizens State
State Bank of Kempton
Discount & Deposit State
Kent State
Kokomo Trust
Ladoga State
Farmers & -Merchants
LaFayette Lo & Tr
Tippecanoe Lo & Tr
LaGrange State
Citizens State
Laketon State
State Bank of Lapel
Peoples Tr & Sav
LaPorte Sav
A. P. And rev/, Jr. & Son
Bank of the State of Indiana
Boone -County-State
Citizens Lo & Tr Co
Citizens Bank
Farmers & Mchts Tr Co
Bank of Linden
Linton Tr Co
Logansport Lo & Tr Co
Lucerne State
Grant Tr & Sav Co
Marion State
Farmers State
Medaryville State
Fanners
The Citizens Bank
Michigan City Tr & Sav Co
First State •
Millersbnrg State
Mishawaka Tr & Sav
North Side Tr & Sav
Farmers State
White Co Lo Tr & Sav Co
Montmorenci State
Farmers Deposit
Monon Bank
State Ban k
Citizens State
Citizens State
Farmers State
Mulberry State
Peoples Trust Co
Citizens State
North Liberty State
C o m Exchange State
Nashville State
New Augusta State
Citizens Bank
Farmers State
Reproduced from the Unclassified I Declassified Holdings of the National Archives
-4Noblesvilie
Hamilton Trust Co
Citizens State
Noblesvilie
Columbia State
Oakland City
Citizens State
Orland
Fanners State
Ossian
Oxford
Stat* Bank of Oxford
Owensville
Owensville Banking Co
Pennville Bank
Pennville
Peru Trust Co
Peru
Plymouth State
Plymouth
Pendleton Tr Co
Pendleton
Citizens state
Petersburg
Farmers State
Poneto
Portland
jay Co 3av & Tr Co
Pendleton
Pendleton Banking Co
Citizens State
Royal Center
Redkey
Bank of Redkey
State Bank
Bussellville
Rensselaer
State Bank
State Bank
Eoanoke
State Bank
Remington
Trust & Sav Bank
Rensselaer
Eoachdale
Eoachdale Bank
Indiana Bank & Trust Co
Rochester
Parke State
Rockville
Roraney Bank
Romney
Citizens Lo Tr & Sav Bank
South Bend
South Bend
Union Tr Co
Stilesville
Citizens State
State Bank of Syracuse
Syracuse
Farmers state
Sweetser
Peoples State
Sullivan
Citizens Trust
Su* iivan
Stat* Bank
Stockwell
Shelbyville Tr Co
Shelbyville
St. Joe
St. Joe Valley Bank
Sandb o m
Sandborn Banking Co
Fanners State
Shipshewana
Commercial State
Silver Lake
South Bend
Chapin State
South Bend
American Trust Co
Terre Haute
Terre Haute Sav Bank
Te rre Haute
Teere Haute Tr Co
Terre Haute
Indiana State
Terre Haute
United States Trust Go
Thomtomi
State Bank
Tipt-'i'
Farmers Lo & Tr Co
First State Bank
Tolleston
State Bank of Topeka
Topeka
Twelve Mile State Bank
Upland State
Upland
Union City
Union Lo & Tr Co
Van Suren State
Van Suren
State Bank of Valparaiso
Valparaiso
Veedersburg
Veedersburg Bank;
West Lebanon
Central Bank
State Bank, of V/estfield
Walton
0 Cass County State Bank
State Bank
Warsaw
Reproduced from the Unclassified I Declassified Holdings of the National Archives
- 5Warsaw
Indiana Lo & Tr Go
West Terre Haute
State Bank
Williamsport State
Williamsport
Wolcott
State Bank of Wolcott
Wolcottville
State Bar.k of Wolcottvill
The Lake City Bank
Warsaw
Oitiznns Sav/ & Tr Co
Wabash
Wabash Go Lo £ Tr Co
Wabash
Waynetown State
Waynetown
Farmers
West Lebanon
Woodbum
Woodburn Banking 0o
V/liit’ng
Bank of Whiting
Commercial
State Biink
Worthington
Reproduced from the Unclassified I Declassified Holdings of the National Archives
&Q National Banks whose second choice
fQr^lcaatlon.-jDf_Ffideri-il.Ileaiirvfi.-.Bank is Chicago.
Aurora
First National Bank
Anderson
National Exchange Bank
Boonville
Boonville National Bank
Farmers & Mchts. Nat. Bank
Boonville
Brookville
National Brookville Bank
First National Bank
Brownstown
First National Bank
Brazil
Firfct National Bank
Butlercii
Cam elton
Cannelton National Bank
Cambridge City Wayne National Bank
Cambridge City First National Bank
Clay City
First National Bank
Columbus
First National Bank
Connersville
First National Bank
Coatesville
First National Bank
Corydon
First National Bank
Grown Point
First National Bank
First National Bank
Danville
First National Bank
Dublin
East. Qhicago First National Bank
Farmland
First National Bank
Fishers National Bank
Fi shers
Fort Wayne
First National Bank
American National Bank
Frankfort
Gaiy
First National Bank
First: National Bank
GreensFork
Hope
Citizens National Bank
Indiana Harbor Indiana Harbor National Bank
Citizens National Bank
Knightstown
LaBoyette
City National Bank
LaFayette
Merchants National Bank
Lawrenceburg
Dearborn National Bank
First National Bank
Lebanon
First National Bank
Lewisville
Liberty
Union County National Bank
Lowell National Bank
Lowell
First National Bank
.Madison
First National Bank
Mays
Mancie
Merchants National Bank
Rfuncie
Union National Bank
Second National Bank
New Albany
New Albany
New Albany National Bank
New Castle
Central Tr & Sav. Co.
First National Bank
New Gastie
New Caitle
Farmers National Bank
National Bank of Orleans
Orleans
First National Bank
Ei&geville
First National Bank
Richmond
Union National Bank
Richmond
Peoples National Bank
Rushville
Rush County Nat. Bank
Rushville
Rushville National Bank
Rushville
First National Bank
Shelbyvilie
Shelby National Bank
Shelbyville
3
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Sunman
Tell City
Toll City
Vincennes
Vincennes
Washington
Farmers National Bank
Tell City National Bank
Citizens National Bank
German National Bank
Second National Bank
Washington National Bank
Reproduced from the Unclassified I Declassified Holdings of the National Archives
3B
STATS BAMS & TRUST C0MRAM I1 2 J M Q B K
SBCOKP CHOICE FOB LOGATIPIT OF E3BBRAL EB.3SEYS BAMC Ia
QJi I C A G O
Commercial Bank & Trust Go
Alexandria
Anderson
Anderson Banking Co
Aurora
Aurora State Bank
Areola
Areola State
Bed ford
Stone City
Bloomington Monroe County State
Bloomfield
Bloomfield State
Bluffton
Studabaker Bank
Bofrnville
Peoples
Borden
Borden State
Boston
Farmers State
Broad Ripple State
Brookston
Bank of Brookston
Carmel
Citizens State
Carthage
Bank of Carthage
College Cor Farmers State (College Comer, 0.)
Columbus
Peoples Sav. & Tr Co
Converse
Farmers State
Connersville Farmers & Merchants Tr Co
Clinton
Citizens Bank
Cromwell
Cromwell State
Dale
Bale State
Decker
Farmers & Mchts. Bank
Elwood
Elwood Trust Co
Farmland
Farmland State
Fowler
Bank of Benton County
Franklin
Farmers Trust Co
Galveston
G. 7/» Conwell, Banker
Geneva
Farmers & Mehta* State
Hillsboro
Hillsboro State
Hymera
Eymera State
Indianapolis Illarion County State
Liberty Center Deposit Bank
Linton
Linton Tr Co
Loogootee
White River Bank
Lynn
Citizens Banking Co
Medora
Medora State
Michigan City
Citizens Bank
llorristown
Union State
Monroeville Citizens State
Haulberry
Mulberry State
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Hew Haven State
New Haven
First State
Hew Point
Ripley County
Osgood
State Bank of Otterbein
Otterbein
Citizens State
Orleans
Orange County
Paoli
Dickinson Tr Co
Richmond
Ridgeville
Ridgeville State
Parke State
Rockville
Farmers Trust Co
Rushville
Salem
Bank ^f Salem
Sellersburg
Sellersburg State
Sunman Bank
Sunman
Spencer
Exchange Bank
Union City
Union Lo & Tr Co
Veedersburg Farmers State
Winchester
Randolph County
Reproduced from the Unclassified I Declassified Holdings of the National Archives
C.)i(
,i / nut..
52 National Banks whose first choice
for a Federal Reserve Bank location is ’
C I N C I N N A T I
Aurora
Anderson
Bloomington
Batesville
Brool ville
Brookville
Browns town
Clay City
Cambridge City
Cambridge City
Columbus
Connersville
Ooatesville
Danville
Dublin
Farmland
Franklin
Greensburg
Greensburg
Greens Fork
Greensburg
Hope
Hartford City
Knight3town
Lawrenceburg
Lawrenceburg
Lebanon
Lewisville
Liberty
23adison
Muncie
Muncie
25adison
Liays
New Castle
New Castle
Bidgeville
Ri chmond
Richmond
Eushville
Eushville
Pushville
Syemour
Shelbyville
Shelbyville
Sunnan
Vernon
Vincennes
Tincenries
First National Bank
National Exchange Bank
First National Bank
First National Bank
Franklin National Bank
National Bank of Brookville
First National Bank
First National Bank
sVayne National Bank
First National Bank
First National Bank
First National Bank
First National Bank
First National Bank
FFrst National Bank
First National Bank
Citizens National Bank
Citizens National Bank
Third National Bank
First National Bank
Greensburg National Bank
Citizens National Bank
First National Bank
Citizens National Bank
Dearborn National Bank
Peoples National Bank
First National Bank
First National Bank
Union County National Bank
National Branch Bank
Muncie National Bank
Merchants National Bank
First N ational Bank
First National Bank
First National Bank
Farmers National Bank
First National Bank
First National Bank
Union National Bank
Peoples National Bank
Riish CoTrnty National Bank
Eushville National Bank
First National Bank
First National Bank
Shelby National Bank
Farmers National Bank
First National Bank
German National Bank
Second National Bank
Reproduced from the Unclassified I Declassified Holdings of the National Archives
0 I N C_I N K A T I
7/arren
Washington
Williamsburg
(continued)
First national Bank
Washington National Bank
First National Bank
Reproduced from the Unclassified I Declassified Holdings of the National Archives
KffSBItVK BAI3K IS
C II C I H N A T I
Commercial Ban k & Tr Co
Alexandria
Aurora Sta.te Bank
Aurora
Areola
Areola State
Batesville Bank
Batesville
Bloomfield State
Bloomfield
The Studabaker Bank
Bluffton
Farmers State
Boston
Broad Ripple State
Broad Hippie
Citizens State
Brownstown
Butlerville
Butlerville State
Bank of Carthage
Carthage
Clarksburg State
Clarksburg
College Corner Farmers State (College Corner, 0 .)
Peoples Sav &rffr Co
Columbia
Connersville
Farmers .! Lierchants Tr Co
Converse
Farmers State Bank
Decker
Farmers & Merchants Bank
Elwood
Elwood Trust Co
Farmland
Farmland State
Florence
Florence Deposit
Franklin
Farmers Trust Co
Friend ship
Friendship State
Glaveston
G. W. Conwell, Banker
Garrett
Garrett Sav Lo & Tr Co
Geneva
Farmers & Mchts State
Greensbuig
Uninn Trust Co
Holton
Holton State
Hope
Hope State
Indianapolis Farmers Trust Co
Lawrenfieburg German-American Bank
LibertyCenter Liberty Center Deposit Bank
Loogootee
White River Bank
Itfim
Citizens Banking Co
Madison
Peoples Tr Co
fedora
Med ora State
Middletown
Farmers State
Milan
State Bank of Milan
Mitchell
Bank of Mitchell
Monroe
Monroe State
Moores Hill Moores Hill State
Morristown
Union State
Napoleon
Hapoleon State
Hew Castle
Citizens State
New Haven
Hew Haven State
Hew PointFirst State
Hew Washington State Bank
Osgood
Blpley County Bank
Osgood
Osgood Bank
Patriot
Patriot Deposit Bank
Paris Crossing Paris Crossing State
Reproduced from the Unclassified I Declassified Holdings of the National Archives
-
Portland
Richmond
Ridgeville
Rising Sun
Bushville
Salem
Saratoga
Shoals
Spence r
Snnman
Union City
ValIonia
Versailles
Vevay
Winehester
2
-
Peoples
Dickinson Tr Co
Ridgeville State
Bising Sun Deposit Bank
Fanners Tr Go
Farmers State
Saratoga State
Martin Coura&ty Bank
Exchange Bank
SUnman Bank
Atlas State
ValIonia State
Versailles Bank
Vevay Deposit
Randolph County
Reproduced from the Unclassified / Declassified Holdings of the National Archives
}t
.
66 National Banks whose second choice
for location of Federal Reserve Bank la Cincinnati
Arabia
First National Bank
Anderson
Peoples State National Bank
Arcadia
First National Bank
Auburn
City National Bank
Bicknell
First National Bank
Birdseye
Birdseye National Bank
Boswell
First National Bank
Brazil
Citizens National Bank
Carlisle
First National Bank
Columbia City First National Bank
Covington
First National Bank
Crawfordsville Citizens National Bank
,#
First National Bank
tf
Elston National Bank
Corydon
Corydon National Bank
Dana
First National Bank
Decatur
First National Bank
Delphi
Citizens National Bank
Fortville
First National Bank
Flora
First National Bank
Frankfort
First National Bank
Franklin
Franklin National Bank
Goshen
City National Bank
Greencastle Central National Bank
Hagerstown First National Bank
Hartsville First National Bank
Jeffersonville t,
f,
tf
Indianapolis Indiana National Bank
,,
National City Bank
Kokomo
Howard National Bank
LaFayette
Firs$ National Bank
,t
American National Bank
Loganaport City National Bank
Marion
Marion National Bank
Mitchell
First National Bank
Monrovia
First National Bank
Kt. Yernon Lit. Vernon National Bank
Noblesvilie American National Bank
Noblesvillo First National Bank
No. RanchesterLawrence National Bank
Oakland City First National Bank
Cdon
First National Bank
Peru
First National Bank
Petersburg First National Bank
Plymouth
First National Banti
Princeton
Peoples National Bank
Princeton
American National Bank
Rockville
Rockville National Bank
Rochester
First National Bank
Russiaville First National Bank
Seymour
Seymour National Bank
Sheridan
First National Bank
Sheridan
Fanners National Bank
Shelbyville Farmers National Bank
Spencer
Spencer National Bank
Reproduced from the Unclassified / Declassified Holdings of the National Archives
- 2 Swayzee
Terre HauAe
Thorntown
Tij)ton
Tipton
Trafalgar
Valparaiso
Washington
Westport
Williams"burg
Wlnamac
First National Bank
Terre Haute Rational Bank
Horae National Bank
First National Bank
Citizens National Bank
Fanners National Bank
Farmers National Bank
Peoples National Bank
First National Bank
First National Bank
Citizens National Bank
Reproduced from the Unclassified I Declassified Holdings of the National Archives
10SE SECOND CHOICE FOB FEDERAL RESERVE.BANK ..Ia
C IS C I £ K A T L
State Bank of Akron
Akron
Auburn State
Auburn
Austin State
Austin
Bargersvill© Farmers gt&te
Bank of Berne
Perne
Peoples State
Berne
Bloomfield Trust Co
Bloomfield
Wells County
BlufftonBrownsburg State
Brownsburg
Burnettsvilie
State Bank of Burnettsvilie
Burney State
Burney
Clarks Hill State Bank of Clarks Hill
Farmers State
Colfax
Clayton State
Clayton
Columbia City
Provident Tr Co
Covington
Citizens Bank
Crown Point Commercial Bank
Crothersvillo Crothe7 svilie State
Dana
Bana State
Darlington
Farmers & T'chts State
Decatur
Old Adams County Bank
Delphi
Carroll Co. Lo & Tr Co
Dunkirk
First State
Dubois
Farmers State
East Chicago Bank
Elwood
Citizens State
Peoples Sav
Evansville
Evansvilfte- North Side
Etna Green
Etna Green Bank
Fairmount
Fairmount State
Flora
Carroll Co Lo & Tr Co
Ft. Wayne
Citizens Tr Co
Frankfort
Farmers Bank
-Georgetown State
Georgetown
Grab!11 State
Grab!11
Galveston
First State
Garrett
Garrett State
Sary
South Side Tr & Sa Bank
Gary
Gary State
Geneva
Bank of Geneva
Greenfield
Greenfield Banking Co
Greenfield
Citizens Bank
Harlan
Harlan State
Hanover
Hanover Deposit
Hope
Hope State
Howell
Farmers & Citizens
Hurtington
Citizens State
Indianapolis Live Stock Exchange Biink
Indianapolis %er-Kier Bank
Indianapolis Citizens State Bank
Reproduced from the Unclassified / Declassified Holdings of the National Archives
-2 Indianapolis Aetna Tr & 3av
Indianapolis Indiana Tr Go
Indianapolis So* Side State
Citizens State
Jamestown
State Bank
Kempton
Discount & Deposit State
Kentland
Ladoga State
Ladoga
LaFayette Lo & Tr Co
LaFayette
Tippecanoe Lo & Tr Co
LaFayette
Citizens State
Lafiro
Citizens Lo & Tr Co
Lebanon
Boone Go/ State
Lebanon
Peoples Tr & Sav
LaPorte
Lawrence State
Lawrence
ISarion
Grant Tr & Sav Co
llarion
liarion State
Farmers State
Matthews
Mentone
Farmers
Mi shawaka
Mishawaka Tr & Sav
p i t e Co. Lo Tr & Sav Co
Monticello
Montmorenci State
Farmers Deposit Bank
Montpelier
Mooresville Farmers State
Muncie
Peoples Tr Co
New August a New Augusta State
New Market Farmers Stat*
Noblesville Hamilton Tr Co
Noblesville Citizens Stat ~
Orland
Citizens State
Farmers State
Ossian
Oxford
State Bank of Oxford
Palmyra
Citizens Bank
Pepnville
Pennv ille Bank
Pendleton Barking Co
Pendleton
Pendleton
Pendleton Trust Co
Citizens State
Petersburg
Farmers State
Poneto
Portland
Jay Co. Sav & Tr Co
Redkey
Bank of Redkey
Rensselaer
State Bank
Roachdale
Roaohdale Bank
Roanoke
State Bank of Roanoke
Roct’
-port
Farmers Bank
Russellville State Bank
Scott County Bank
Scottsburg
St. Joe Valley State Bank
St. Joe
Shelbyville
Trust Co
Shelbyville
State Bank
Stockwell
Citizens Trust Co
Sullivan
Peoples State
Sullivan
Farmers State
Sweetzer
Syracuse
State Bank
Terre Haute United States Tr Co
Farmers Lo & Tr Co
Tipton
State Bank
Thorntown
First State
Tolleston
State Bank of Topeka
Topeka
Veedersburg Veedersburg Bank
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Wabash
Warsaw
Waynetown
Wood b u m
Wabash Go Lo & Tr Go
Lake City Bank
Waynetown State
Wooabum Banking Co
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Forceful
Facts.
f$*i £-W\
K>Ta
0
Cincinnati is the nearest large city to the center of population* m H s e
Center of the market, being within 24 hours of 76,000,000 people*
Cincinnati is the tenth metropolitan city in the United States, with a metropolitan
population, according to the latest census bulletin of 563,804*
More fruits and vegetables are shipped through the Cincinnati gateway than to any
other market, excepting only New York*
Has a greater variety of factories than any other city in the country*
Center of the largest soft coal producing fields in the world.
Has the largest soap factory in the world*
Leads the world in the manufacture and quality of machine tools*
Banks first also in the manufacture of acids, bookcases, field musical instruments,
printing into, laundry machinery.
Leading market in the country for medium-priced clothing.
The largest center of hardwood lumber in the world*
Leads the world in the manufacture of wood-working machinery.
Has the largest and most complete bottle factory in the world.
Leads the world in the manufacture of prison and ornamental Iron.
Has the largest factory in the world devoted exclusively to the manufacture of
washing machines.
Has the largest office furniture factory in the world.
Has the largest tannery under one roof in the world.
Has the largest leather supply house, and largest harness factory*
Has the largest trunk factory in the United States.
Has the largest mattress factory in the United States.
Cincinnati manufactures more playing cards than any city in the world.
Ranks third in the manufacture of electrical machinery.
Is a rapidly growing automobile factory center.
Ranks third in the manufacture of "Tailor to the Trade** clothing.
Greatest lithographing center in the United States.
First and largest compressed yeast factory in the United States*
Has the largest piano factory in the Middle West. Leads in the export of special
pianos built for tropical and other countries.
*
Ranks second in the production of women's cloaks and men’s caps\
Is a leading shoe manufacturing center.
Third in the manufacture of jewelry.
Ranks third in the manufacture of street cars.
Leads in the production of cigar boxes.
Center of the greatest carriage producing district in the country.
http://fraser.stlouisfed.org/
Largest distributing
Federal Reserve Bank of St. Louis
center for whiskey in the world*.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
.....S %*: * »-<***•.»
f J u J iy f r S .
a *
k
When the plan of the new Currency Bill was first considered
the Banks and Commercial Organisations of our city felt that Nashville
would be an ideal location for one of the Regional Banks.
The trade territory tributary to Nashville comprises on the
one hand a considerable amount of cotton territory, and also a very
large section of tobacco territory.
These two products combined
afford the basis for an ideal rotation of liquidation.
Active plans
wore at once made to obtain a hearing before your Committee, and such
a hearing was accorded to us in Cincinnati today.
In view of the many candidates appearing among the various
cities of the South we finally became convinced that the situation
might become very confusing to the Committee, and after careful consid
eration and consultation, our Clearing House taking the lead, we came
to the conclusion that the territory to be embraced in the district to
which Nashville is to be attached is of paramount importance; that
while Nashville is a logical location for a Regional Bank, embracing
a territory probally extensive enough to establish a Regional Bank of
the minimum capital, yet, Involving as the matter did the actual invest
ment of the money of our banks in subscriptions to the capital stock:
of the Regional Bank, that we should waive the question of local pride,
and use our best efforts to assist in the establishment of a district
of which we would be a part that would be strong enou$i to command
respect, as compared to the other Regional Banks of the country, and
which should comprise a well-balanced territory, enabling the bank
to employ its funds during the entire year, and also to be able^to
take care of the needs of the borrowing members without assistance
from other Regional Banks.
This idea, in connection with our belief that the natural
trend of the trade in our territory is towards the North and East, led
us to the conclusion that the establishment of a Bank in Cincinnati
along the lines proposed by those in charge of the movement in that
Cjity should have our hearty endorsement, and to this end our Clearing
^
ijouse,
and other commercial organizations, voted unanimously endorsing
^/
Reproduced from the Unclassified I Declassified Holdings of the National Archives
the location of the Bank in Cincinnati, and directing that their
reprosentatives urge you to that decision.
We did not believe that sentiment and sectional pride should
have first consideration in the determining of a question with which
our future prosperity la so intimately connected.
Especially have we
taken the view that a region composed entirely of cotton producing
c.i'/a-*"''
states, or in which, states preponderated would fail to meet the re
quirements to be imposed upon the new system.
The handling of the
immense cotton crops has been, and will continue to be one of the
greatest burdens placed on the banks of this country.
The South*s needs* in order to bo properly taken care of,
in our opinion, requires that the southern states should be divided
into at least four districts, each district having attached to it
some of the stronger and capitalistic sections* dividing the territory
of the Regional Banks longitudinally, rather than grouped around a
particular center.
In order to present an idea of the position of Nashville,
commercially and financially, I would state that the banking capital
Of Nashville at the present time amounts to $6,259,000.00; with gross
deposits of $25,980,000.00.
At the time of the last statement there
was carried on deposit in Nashville banks §5,877,000.00 of country
bank deposits, representing accounts from 618 banks, located in
Tennessee, Kentucky, Alabama, Georgia, Mississippi and Florida.
During the months of October, November and December, 1913,
there was received from these, and other banks, out-of-town items,
not including those drawn on reserve cities, amounting to $141,014,428.00*
By a comparison, we claim that Nashville is the largest
depository of country banks in the South, exclusive of reserve cities.
The comparison of figures of National Banks alone, in their
statements of January 13, 1914, showing $1,130,000.00 greater bank
deposits than in the National Banks of Atlanta, Ga.
The figures
indicated for Nashville showing only actual country bank balances,
collection accounts representing accumulative balances not being lAcluded.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
State BanXs in the district having sufficient Capital
To enable them to Nationalize
V
!
e**
No.of BanXs
Capital
Surplus
#2 0 ,7 2 9 -.
1336,995139,905.
Deposit
Ohio
34S
#4-0,991.
Indiana
1*49
24-,0 32 .
5 . 73 s .
Kentucky
155
12,950.
3 , 597.
148 ,2 5 5 .
Tennessee
130
11,487.
2 ,063 .
4-8,64-5.
W.Virginia
1 5 7
10,664.
5.4-45.
5 1 ,060 .
Reproduced from the Unclassified I Declassified Holdings of the National Archives
J Hearing at
flijflydTryiTiHfiifl-'r*-■iV'**'
fcM—mu*—
IN THE MATTER OF A
FE D E R A L R E SE R V E B A N K
FOR
T H E O H IO V A L L E Y
MEMORANDUM SUBMITTED TO
THE RESERVE BANK ORGANIZATION
COMMITTEE
A T CINCINNATI, OHIO
BY
THOMAS H. KELLEY
m
m
R. T . W A D E . PRINTER
N . W . Cor. Fourth and Sycamore Streets
Cincinnati, O .
Reproduced from the Unclassified I Declassified Holdings of the National Archives
IN THE MATTER OF A FEDERAL RESERVE BANK
FOR THE OHIO VALLEY.
To
the
R
eserve
B
ank
O r g a n iz a t io n C o m m i t t e e ,
G e n tle m e n :—
The undersigned begs leave to submit the fo llo w
ing m em orandum argument in fa vor o f the establish
ment o f a Federal Banking District, which shall
include within its boundaries the Ohio Valley.
Your Committee is directed under the Federal
Reserve Act to divide the continental United States,
excluding Alaska, into not less than eight nor m ore
than twelve districts, in each o f which districts there
shall be organized one Federal Reserve Bank.
The
Act also prescribes “ that the districts shall be appor
tioned with due regard to the convenience and cus
tom ary course o f business, and shall not necessarily
be coterm inous with any State or States.”
W ithout
being obliged necessarily to follow State lines, the
only lim itation im posed upon your Committee as to
the boundaries o f regional districts is that such dis
tricts shall be apportioned with due regard
1.
T o the convenience o f business, and
2.
T o the custom ary course o f business.
—
1
—
Reproduced from the Unclassified I Declassified Holdings of the National Archives
W e assume that suggestions along the line o f
determining the boundaries o f the regional districts,
based on the convenience o f business and the custom
ary course o f business w ill not be unwelcom e.
It w ill clear the situation somewhat to know what
is meant by “ business,” as used in the Reserve Act,
b efore attemping to ascertain the meaning o f the
terms “ convenience” and “ custom ary course o f busi
ness.”
By the term “ business,” as used in the Federal
Reserve Act, we assume no definition can be thought
o f that w ould be too broad or com prehensive.
If we
have read the Act aright, the w ord “ business” is prac
tically synonym ous with “ com m erce” and means—
interchange o f goods, m erchandise or property o f any
k in d ;— trade, traffic, m ore especially trade on a large
scale— transportation o f merchandise between d if
ferent parts o f the country.
The m ovem ent o f the wheat and corn crop o f the
Northwest to tide-water; the m arketing o f the cotton
crop o f the South; the distribution o f the product o f
the loom s o f the East; the delivery to the consum er
o f the output o f the anthracite fields o f the Middle
States; the handling o f the bituminous coal product,
the iron, the lum ber and agricultural products o f the
Ohio V alley; the transportation o f live stock from the
grazing States to its market, suggest some phases o f
—
2 —
Reproduced from the Unclassified I Declassified Holdings of the National Archives
business that are to be taken into account b y your
0
Committee in dividing the continental United States
into Regional Bank Districts.
Under the new dispensation in banking, each
Regional Bank is to be the financial center o f its par
ticular district, and is to provide quick relief fo r finan
cial distress in that locality.
The Regional Banks as
a w hole are to be em ployed in financing extensive
com m ercial enterprises o f a legitimate character
within their respective districts.
On the theory that the districts created by your
Committee m ay be readjusted and new districts
created, not exceeding twelve in all, b y the Federal
Reserve Board, we venture to suggest the follow in g
division o f the United States into eight Regional Dis
tricts :
1.
The State o f New Y ork and the New England
States to com pose the district to be know n as the
New Y ork and New England District.
2.
The States o f Pennsylvania, New Jersey, D ela
ware, Maryland, Virginia, and the District o f
Coumbia, to com pose the district to be know n as
the Middle Atlantic District.
3.
The States o f North Carolina, South Carolina,
Georgia,
Florida,
Alabama,
—
3 —
Mississippi,
and
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Louisiana, to com pose the district to be know n
as the South Atlantic and Gulf District.
4.
The States o f Ohio, Indiana, Kentucky, W est V ir
ginia, and Tennessee, to com pose the district to
be know n as the Ohio Valley District.
5.
The States o f Illinois, Iowa, Michigan, W isconsin,
and Minnesota, to com pose the district to be
know n as the Great Lakes District.
6.
The States o f Missouri, Arkansas, Texas, Okla
homa, Kansas, and Nebraska, to com pose the distrist to be know n as the L ow er Mississippi Valley
District.
7.
The States o f North Dakota, South Dakota, C olo
rado, W yom ing, Montana, Idaho, and W ashing
ton, to com pose the district to be know n as the
Great Northern District, and,
8.
The States o f Oregon, California, Nevada, Utah,
Arizona, and New M exico, to com pose the district
to be know n as the Pacific Coast District.
The
greatest com m ercial
developm ent o f
the
United States has always been fo r the most part
between the thirty-seventh and forty-third parallels,
a strip reaching from Norfolk to Rochester on the
east coast and from San Francisco into Southern
Oregon on the west.
—
4 —
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Of the twenty-seven cities in the United States
with a population o f over 200,000 at the last census,
twenty-one are within that fou r hundred m ile strip,
viz: Boston, Providence, New Y ork City, Jersey City,
Newark, Philadelphia, Baltimore, Pittsburgh, Buffalo,
Rochester, Cleveland, Detroit, Milwaukee, Indianapo
lis, Louisville, Cincinnati, Chicago, St. Louis, Kansas
City, Denver, and San Francisco, while outside o f this
strip are only two cities to the south o f it, Los Angeles
and New Orleans, and fou r cities to the north o f it,
Minneapolis, St. Paul, Portland, and Seattle.
More striking still do w e find the industrial devel
opm ent within the strip mentioned, when population
is considered.
The population o f the large cities out
side o f this industrial belt is but one and one-half
m illions, while that o f the twenty-two large cities
within it is fifteen and one-half millions.
If the Regional Districts can be so bounded as that
as m any o f them as possible can share in that six
degree strip o f territory north and south, which
stretches from one ocean to the other, such a division
o f territory, it w ould seem, w ould con form to the
direction in the Reserve Act to apportion the districts
with due regard to the “ custom ary course o f busi
ness.”
No banking system can be thoroughly efficient
without the aid o f a Railw ay Mail Service that is
_
5
—
Reproduced from the Unclassified I Declassified Holdings of the National Archives
tuned up to the highest point o f efficiency.
Every
east and west trunk line o f railroad, except the
Northern Pacific and the Great Northern, penetrates
this six league belt at som e point or other, as it crosses
the continental United States.
Through and across
this strip o f fou r hundred miles in width, passes
nearly every navigable river in the United States.
It
is washed b y the waters o f fou r o f the Great Lakes
and receives the traffic from the fifth. The w onderful
harbors o f Boston, New York, Philadelphia, and Bal
timore on the east, and o f San Francisco on the west,
attest that the developm ent o f the business o f this
country has, fo r the m ajor part, been between east
and west lines, less than fou r hundred miles apart,
from the Atlantic to the Pacific.
Under the present national banking system, the
three central reserve cities, New York, Chicago and
St. Louis, and over two-thirds o f the forty-six other
reserve cities, are to be found within this belt o f com
m ercial supremacy above referred to.
In the bounding o f the eight Regional Districts, as
hereinbefore outlined, no effort was m ade to divide
the country into districts that were equal either in
area, or in the aggrgeate of bank capital and surplus.
The language used in the Federal Reserve Act does not
seem to contemplate a division o f the country along
any such lines.
In the natural order o f things there
—
6 —
Reproduced from the Unclassified I Declassified Holdings of the National Archives
w ill be some regional districts in which the banking
resources w ill be enorm ous, others in which they w ill
be not so large.
In the division which we have laid
b efore your Committee, the aim has been, without
creating new and strange business alliances, to allow
certain sections o f our country to set up fo r them
selves, as it were, under this new banking arrange
ment.
Trade develops along transportation lines, rail as
well as water.
F or instance, the com m erce o f what
we have chosen to designate the New Y ork and New
England District, is fed by the Great Lakes and the
St. Lawrence on the North, by the Erie Canal, the New
York Central and the New York, New Haven and
H artford Railroads, and on the east and south by
hundreds o f miles o f ocean front.
T o group the
States o f New Y ork and the New Engand States in
one great Regional District fo r banking purposes,
certainly w ould do no violence to the language o f the
Act, requiring divisions o f territory m ade “ with due
regard to the convenience and custom ary course o f
business.”
Com ing now to the M iddle States District, com
posed o f Pennsylvania, Delaware, New Jersey, Mary
land, Virginia, and the District o f Columbia, we find
Reproduced from the Unclassified I Declassified Holdings of the National Archives
it with a bit o f lake com m erce and the inland traffic
carried on those arteries o f steel, the Lackawanna,
Reading, Pennsylvania and Baltimore and Ohio R ail
roads, supplemented b y the w onderful harbors at
Phiadelphia and Baltimore, ample to float the bot
toms o f all nations. This territory suggests naturally
another great regional banking district, where gigan
tic com m ercial transactions must needs have in times
o f financial stress, the required relief which the
regional bank is expected to afford.
Passing south o f the thirty-seventh parallel, we
com e to the third district, which we have chosen to
call The South Atlantic and Gulf
District,
and
com posed o f North and South Carolina, Florida,
Georgia, Alabama, Mississippi and Louisiana.
This
district, essentially a southern one, has the Southern
Railway, the Flagler lines, the W estern & Atlantic,
Alabam a & Great Southern, and the Louisville &
Nashville Railroads fo r inland carriers and an ocean
and gulf frontage from Currituck Sound to Sabine
Pass, besides having the tonnage that is delivered
through the Mississippi River and its tributaries.
This district w ould probably receive through the
Mississippi route a greater tonnage originating in
other districts, than w ill com e from its neighbors in
any other district in the United States.
W h ile not
Reproduced from the Unclassified I Declassified Holdings of the National Archives
requiring banking facilities o f the same magnitude
as the North Atlantic Districts, the South Atlantic
and Gulf District has possibilities possessed by per
haps no other district in the United States, and it is
safe to predict that it w ill be one o f the great districts
o f the country.
Pig iron is produced the year round,
and if not sold prom ptly becom es the banker’ s best
collateral.
Thus arises a steady flow o f com m ercial
paper to be handled by the Regional Bank in the
furnace district.
Passing fo r the m om ent the district we have desig
nated as the Ohio Valley District, our next division o f
territory is that m ade up o f the States o f Illinois,
Iowa, Michigan, W isconsin and Minnesota, w hich we
have styled the Great Lakes District.
Aside from the
enorm ous traffic o f all kinds, including iron ore and
grain, originating within this district, all the eastbound tonnage that originates in the northwest, will,
at some stage o f the journey, b efore reaching destina
tion, pay tribute to the banks in this regional dis
trict.
All the railroads o f the west and northwest
converge within its boundaries.
A district bisected
by the Mississippi as fa r as Cairo, and bounded on the
north and east by Lakes Michigan, Superior and
Huron, the business o f this section is not troubled
with questions o f transportation.
—
9 —
The convenience
Reproduced from the Unclassified I Declassified Holdings of the National Archives
and custom ary course o f business in this region fo r
the last fifty years finds expression in the magnificent
cities o f Chicago, Detroit, Milwaukee, St. Paul, Minne
apolis and Duluth.
The sixth o f our subdivisions em braces the States
o f Missouri, Kansas, Nebraska, Arkansas, Oklahoma
and Texas, and is called the L ow er Mississippi Val
ley District.
If but eight districts are to be created at
first, necessarily those west o f the Mississippi River
w ill be o f large area and the banking centers w idely
separated.
Until such time as the Federal Reserve
Board shall see fit to increase the number, it m ay
approve o f the establishment o f branch banks within
these districts. The district we have outlined is, to be
sure, an em pire in itself as to territory, but not equal
to several o f the other districts
in
the
demands
that w ill be m ade upon the banks within its borders.
It, m ore than any other district, can be classed as an
agricultural and grazing section, though the oil and
m ineral products help m aterially to swell the aggre
gate o f business done in the district.
W ith a gulf
frontage o f over five hundred miles, and three States,
Missouri, Kansas and Nebraska, within the favored
belt o f greatest com m ercial activity, this territory
could all o f it be w ell served b y a regional bank and
possibly two branches.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Subdivision seven embraces North and South
Dakota, Colorado, W yom ing, Montana, Idaho and
W ashington, to be know n as the Great Northern Dis
trict.
Somewhere in the division o f the continental
United States, the Rockies w ill have to be crossed,
and in order that every district in the country shall
have its water frontage, either lake or ocean, w e have
added the State o f W ashington to the m ineral States
o f Colorado, W yom in g and Idaho, and the grain and
fruit grow ing States o f the Dakotas and Montana.
The distances are so great and the business centers
so w idely separated, that this section, like the Low er
Mississippi Valley District, can possibly best be served
with a Regional Bank and two or m ore branches.
This district has the State o f Colorado and the south
part o f W yom in g in the district em braced between
the thirty-seventh and forty-third parallels.
W e have grouped Oregon, California, Nevada,
Utah, Arizona and New M exico in one district to be
know n as the Pacific Coast District. W e assume that
the natural trend o f business in Utah and Nevada is
westward rather than eastward, and that this is like
wise true o f Arizona and the most o f New Mexico.
This territory suggests one Regional Bank and two or
m ore branches.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Returning now to the territory com posed o f the
States o f Ohio, Indiana, W est Virginia, Kentucky and
Tennessee, we suggest to your Committee that these
States be created into a Regional Banking District, to
be know n as the Ohio Valley District.
It touches two
o f the Great Lakes and thus gets its water frontage,
with docks at T oledo, Cleveland and Conneaut.
It
has m ore miles o f navigable water on the Ohio, Musk
ingum, the two Kanawhas, Big Sandy, Kentucky,
Cum berland and Tennessee Rivers than any other
district in the United States.
Its natural resources,
timber, m arble, phosphates, coal, iron, oil and gas,
are in transit every day in the year. Its m anufactures
are sold in every market in the w orld— its harvesters
in Argentina and Russia— its m ining m achinery in
the diam ond fields o f South Africa.
Its agricultural
products are unsurpassed in quality b y any grown on
the continent.
The Federal Government is com m itted to com
plete the im provem ent o f the Ohio River and fo r its
subsequent maintenance in a high state o f efficiency
from Pittsburgh to Cairo.
No district o f equal area
can be created in the United States with better rail
road facilities than is supplied to the Ohio Valley Dis
trict by the Vanderbilt Lines, Baltim ore and Ohio
Southwestern, Pennsylvania, Chesapeake and Ohio,
Queen and Crescent, Southern, and Louisville and
Nashville Railroads.
Business fo r com m on carriers
—
12 —
Reproduced from the Unclassified I Declassified Holdings of the National Archives
means business fo r banks.
W ith fou r east and west
lines and three practically north and south lines of
railroad, it w ould be hard to conceive o f a region bet
ter supplied with carriers fo r the prom pt dispatch o f
business— and dispatch in these days is equivalent to
convenience o f business.
This central area o f our country, with all but the
State o f Tennessee between the thirty-seventh and
forty-third parallels; west o f the Appalachians and
east o f the Mississippi, occupying half the space be
tween the Lakes and the Gulf, with a hom ogeneous
population enlightened and progressive, with unusual
natural resources, com bined with enorm ous m anu
facturing wealth, and no foot o f its territory over
twelve hours ride from the center o f a circle that
shall include the States o f Ohio, Indiana, W est V ir
ginia, Kentucky and Tennessee, w ould seem to sug
gest an ideal district within which to locate a Federal
Reserve Bank.
Respectfully submitted,
THOMAS H. KELLEY.
Cincinnati,
February 16, 1914.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
CINCINNATI—An Old City Made New
CINCINNATI’S NEW
SKY
LINE
A leader in Ameri
THE
can educational pro
Queen City
gress, in music, art,
An old city of wealth
lightful residence city.
and
and culture.
power, builded
ar
upon the solid rock of
commercial
The Cincinnati
Chamber of
Commerce
A great indus
trial and commercial
center. Most centrally
located
point.
ar
Published by
integrity
and industrial efficien
cy.
A de
distributing
Headquarters
An ideal con
U nion Central B ldg.
vention city.
CINCINNATI
FR O M D R A W IN G M A D E BY T H R E L K E L D - W A L T E R E N G R A V IN G C O ., C IN C IN N A T I, O.
Transformation of Cincinnati’s Business District, Fourth Street, East from Race, Showing New Union Central Building
Reproduced from the Unclassified IDeclassified Holdings of the National Archives
Cincinnati’s Industrial Greatness
is shown in the following tabulation of manufacturing in the Cincinnati Industrial District by the
Bureau of the Census for the year 1909 tabulated especially for the Cincinnati Chamber of
Commerce, August 9, 1912. Note the great diversity of Industries. Note the great number
whose products exceed one million dollars per year and range up to twenty-six million dollars*
Tabulation does not include two big industries, Boots and Shoes, and Soap* The 1909 output of the former in Cincinnati proper was
$14,999,000. The soap factories are principally outside the city. Their output is estimated from $20,000,000 annually, upwards*
INDUSTRIES
31’
" 6 1 CAPITAL
*-a:
v o
II
<££
o .2
i*
I * &
J'
5Si
Q. ?S
ss’
■s
3 co
£ .s
3^
(2-a
JJ
II
11
S
4?
■Uo89
3 1i
(2|8
3l i
I^
DISTRICT TOTAL.................................. ;2,827 $212,554,459 2,593 12,646 80,332 $15,601,542 $41,736,010 $139,107,661 $37,093,727j$260,399,619 140,254
I0!
98,816
6.161'
40,424
37,108
15
70
10,955'
103,868!
15
10
>
Artificial stone......... . ..............................
8
33,618!
69
159,247
194,238:
17
12,536
%,494
10,640
Awnings, tents and sails...........................
5
729,570i
673,221
320
299,
72.156;
129,2541
59
1,088,250
88,%5;
Bags, paper................ ............................
6
6
1,690!
3,4031
Baskets, and rattan, and willow ware----7,395
2
1,145
3
294,744
132
40,
32,2481
33,4011
222,585;
2
24
Belting and hose, leather..........................
31,000!
374,957,
291,704
15
9
218
669:
69,947
184,858
442,245
60
56,734
679,170
Boxes, fancy and paper............................
16
444
81,369:
336,079!
443,067!
1.419,641
14
62 574
Brass and bronze products.......................
72.208'
1,069,245'
264
3,395,1791
Bread and other bakery products.............
2,865,239 268
5,691,232
240,612
817,761;
252 1,4971
467,103.
955
49,403:
544,344
18,772
138,9491
25
21
303,945 1,315
297
25
30,292
Bride and tile...........................................
89,9241
45,413
143,630!
44
27,830
5
12
2
33
5,327:
Brooms.....................................................
156,652:
5
169,901
81
320,140
160
36,256:
8,189
251
66,2421
17,
Brushes.....................................................
3,844;
20,704
7,981
25,351
127
5,646;
Carpets, rag.................... .........•••..........
7
3.460
5.
6i 433 2,851! 455,415! 1.621.8801 4,367,7%! 793,2761 8,157,665 3,325
Carriages and wagons and materials........
99'
6,020,606
1081
62,572!
Carriages and sleds, children’s.......... ....
4i
174,425
184,402:
20,584i
55,082;
27
29,065!
85
Cars and general shop construction and re
j
pairs, by steam railroad companies. . . .
7'
1,651,864
68 1,679'
71,284!
1,%9,014: 1.590
60,8% 1,039,010
797,824
Cars and general shop construction and re
pairs, by street railroad companies. . . .
6|
800,546
14.760
150.897
13
49.5041
428,2481
395
299!
213,087
1
Clocks and watches, including cases and
689.431
5
2
83l,134i
21,9%l
365
50
328
411,054
68,888
materials..................
....................
198,775
4
Cloth, sponging and refinishing................
10.935
34,649!
740!
7
7
2
26
14,465
1,086
5,017
Clothing, men’s, including shirts.............. 301 10.421,295 371 1,001 7.120 1,211,737 2,971.422
776
8,709.525 2,978,071 17,646,324!
Clothing, men’s, buttonholes....................
5
9,025
7
59,350,
2,700
9
4
76!
33,483
8,478
2,895i
24
1,229,502
41
2,912,862'
Clothing, women’s ...._ ............................
298,714!
216,923
176
175 1.325:
618,775,
1,513,754
Copper, tin, and sheet-iron products.. . . .
2,652,111
4,470,093! 1,409
65
61
286,921
203 1.126!
548,651:
2,%9,153|
203,115
3
Cordage and twine, jute and linen goods..
803,912,
874,617
2
21
546|
57,032
975
160,5611
534,344!
25,5%
25,878
Engraving and diesinking........... .. ........
6
8
2,964!
39,274
18
34.
17,992
4.942
Fancy articles not elsewhere specified.. . .
572,141
6
7
53,141
167,7771
25
94!
76
44,376
17,943
4I,655|
5
1,551,162
%
213,652
1,675,679 1.314
3461
Fertilizers.................................................
156,346'
1,003,7661
70,217
3
123,754
13
1911
Fireworks............... _....... ...................... .
50
33,573
205,307
19,082
66,651.
88,278
Rags, banners, regalia, society badges and
8
668,178
3
92
403
emblems..............................................
162,418
91,803
888.361
88,122
317
503,151
11
171,946
12
27,698
236,782;
26
30
56
Flavoring extracts....................................
15,521
110,992
21.251
11
570,850
8
Flour mill and grist mill products............
38
53,614
49,407
1,635,493! 1,062
78
1,432,174
42,339
Foundry and machine shop products.. . .
238 29,542,095 130 1,880 11.706 2,378,730 6,793,105 11,127,047 3,165,929 26,186,468; 18,372
3
36,184
3
3
Fur goods...................f. ...........................
2
8,164
78.982!
20
9,273
1,240
37,365
10
283,746
13
Furnishing goods, men’s...........................
760,248'
244
14
76.599
62,662
45
509,649
50,618
63| 4,593,600
Furniture and refrigerators...............
68
5.646,080, 5,079
237 2,754
2,338,774
748,992
291,900 1,422,175
Gas and electric fixtures, lamps and re
9
195,974
8
116,792
240
23,031
493,237!
29
165
flectors. ........ ............................ ......
256,547
35,065
Glass, cutting, staining and ornamenting..
8
137.878
II
109
2%,494
33
233
18,592
107,4481
86,984
40,563
9
194,%5
328,403
Grease and tallow.....................................
10
9
210
144
55,007
10,220
75,637
149,083
3
126,839
7
Hair work....................... ......... ..............
18,029
123,574
7
46
14.958
2,248
59,%7
9
66,644
Hand stamps, stencils and brands...........
7
77.010,
20
53
31
25,322
9,868
11,623
14,780
Hosiery and knit goods............................
6
426,362
5
6
220
192
84,479
257,369
40.401
441,745
26,200
15
2,343.548
5
58
180
Ice, manufactured....................................
115,427
110,503
567,814. 4,471
73,093
161,161
7
1.545,929
Ink, printing.......................... ............ .
1,884,894: 1.417
92
181
459.361
189,286
129,8551
794,337
Cooperage and wooden goods not else
20
1,455,850
17
where specified....................................
48
632
291,804'
85.888
1,232,2891 1,269
75,438
766,016
3
6.319
2
1
1.101
1,500
5
Ink, writing............_........... -----------------6,501
17,517
2,171
Instruments, professional and scientific...
3
13,475
2
2
6
7
4,592
1.624
15,860'
1,560
Iron and steel, steel works and rolling mills
6
2,985,573
856,862
4,426,290. 14,440
71,411
51 1,510
193,%5
2,932*735
1,500,970
19
23
Leather goods...........................................
106
278,188
252
135.783
1.518.778
535
100,886
799.653
Liquors, malt............................................
26 17,929,034
389 1,982
790,475 1,400,039
2,656,167 4,304,883 11,016,171! 13,591
56,869
5
7
Liquors, vinous.........................................
19,467
1
8
1,040
6
3,748
39,570!
5.1*5i
639,832
Looking glass and picture frames.............
5
3
42
137,662
387
435,980
266
150,821
58,892
64,668
Lumber and timber products...................
80
8,398,650
66
330 2,413
553,179
7,401,558' 9,318
412,386 1,306,7851 4,345,585
2%,021
3
2
Malt.........................................................
382
5
18
11,600
15,208}
%,105
52,613
10,335
Marble and stone work............................
39
639,390
47
43
306
92.138
731.6911 1.012
50.846
203.549
290,105
136,086
Millinery and lace goods..........................
11
10
56
428
48,828
59
546,648.
120,331
294.157
29.545
Mineral and soda waters.; ....... ..............
19
379,743
27
143
35
145
29,6%
60165
64.7%
318,786|
73,703
Models and patterns, not including paper
9
patterns...............................................
70,495
11
4
89
5.504
62,982!
65
151,198!
6,435
53,625
Mucilage and paste. ;...........................
3
17.337
2
10,809!
8
10
6.001
5,992
101.560!
70,863
4
524.279
(Ml, not elsewhere specified......................
2
64
152
45
47.695
40,541
461,286
80.954
672,682
Optical goods............................................
38.978
5
2
14
18
23
15.570
12,163
87,650
26,522
17.065
Patent medicines and compounds and
druggists’ preparations........................
1,004,384
55
43
218
281
114,279
424
250,209
1,293.009
206,275
516,796
318 13,183,475 281 1,525 5,000 1,638,634 3,236,020
Printing and publishing............................
4,220,558 2,828,940 •13,998,6111 6, 58
88,721
Shipbuilding, including boat building----5
6
61
4,920
86,233!
7
32,291
11.385
25,295
3
57,823
Showcases......... ......................................
12,390
42,972
II
63
118
16.131
115,538
49,718
Signs and advertising novelties................
6
798,835
2
66
289
130,791
938,868
62,0%
275
329,528
279,837
Silverware and plated ware......................
4
408,373
2
24
180
27,171
113,802
334
118,264
102,028
418,525j
Slaughtering and meat packing...............
61
4,701,133
78
183 1,139
204,899
683.193 17,497,119
466,588 19,922,613 3,745
Statuary and art goods............................
4
75,547
2
66
13,768
39,828
93,129
15
3
15,657
15,271
124.622
Stereotyping and electrotyping................
5
3
12
82
57,395
159
19,714
203,343}
13.036
92.943
Surgical appliances and artificial limbs...
8
215,435
6
39
92
16.799
43.735
37,880
56,771
46
186,886
3.009,283 321
300
Tobacco manufacturers............................
257,593 1,126,640
634
243 2,898
5,4%,839!
2,421,635 1,262,330
2,019
Toys and games.......................................
3
2
9
25.430i
3
2,765
5,256
4,410
10,199
Typefounding and printing materials----4
359,217
3
68
10,753
54,746
53
7
14.388
175,165
66,337
Umbrellas and canes................................
4
70,654
4
19,799
10
13
55
10.551
90.944
18,356
161,368!
7
213,629
1
Washing machines and clothes wringers..
33
132
66,592i
30.645i
255
150,717
38,716
319,386}
3
. Window shades and fixtures.....................
249,469
1
38
34
90,
37.153,
32,207
75,983
869,826'
679,505
10
Wirework, including wire rope and cable..
188,252
4
51,853!
24
122'
28,3631
91
2%,370
158,318!
31,486
Wood, turned and carved........................
10
733,9%
7
274!
36
64,857,
138,1131
837
870,093
315,324,
51,936
77.278,262
All _______________
other industries (I).............................
435
343
3,720
24.787;
I2.282.054i
_____________________________________________________________________________________________________________
5,020.4251
55,202,770. 15,265,990 %,882,633: 40,057
(I) All other industries embrace: Artificial flowers, feathers and plumes, I establishment. Automobiles, including body and parts, 3. Axle grease, I
Babbitt mstal and solder,4. Bags, other than paper, 1. Baking powders and yeast, 4. Belting and hose, woven and rubber, 1. Billiard tables and mate
rials, 2. Blacking, cleansing and oolishing preparations, 16. Blueing, 1. Bone, carbon and lampblack, 1. Boots and shoes, including cut stockand
17
10,020
1.
6%!
86
20
3534
INDUSTRIAL GROWTH
The Industrial District of Cincinnati em
braces the cities of Cincinnati, Covington,
Newport and Norwood and numerous sub
urbs, all forming one community physically
and having a population of 594,920. The fol
lowing are the figures of manufacturing in
the Cincinnati industrial district according
to the 1905 census, there being 2,600 fac
tories in the district:
Yrs. increase
Capital Invested.. . . # 1 7 0,7 6 9 ,2 2 6... 5 . . 40.0%
W age earners....................... 7 2 ,7 3 5 .... 5 . . . 12.0
Salaried officials, clerks, e tc .. 9 , 8 2 5 .... 5 . . 44.1
W ages e a r n e d .........$ 33,932,557 . . . 5 . 25.8
Salaries.....................
10,929,512 .. 5 .. 52.8
Materials used
....1 0 2 ,7 2 1 ,6 2 8 . . . 5 ...2 4 .8
Factory ou tp u t...........203,095,605 . . . 5 ...2 3 .7
Census figures for the Cincinnati indus
trial district, according to the 1910 census,
are as follows:
Factories in Industrial District, 2,827.
Y rs. increase
Capital invested ...........#212,554,469. .10 . .74.2%
W age ea rn ers............................8 0 ,33 2 .. 10 24.7
Salaried officials, clerks, etc .. 1 2 ,6 4 6 .. .1.0. .85.5
Total factory employees ........ 9 2 ,9 7 8 ..1 0 ..3 0 .
Factory payrolls ........ $ 57,337,552. .10. .67.6
Materials u sed ................. 139,107,661.. 10. . 69.1
Factory output................. 260,399,619 . . 1 0 . . 68.6
Cincinnati ranks first in the manufacture
of Acids, Bookcases, Laundry Machinery,
Machine Tools Office Furniture, Playing
Cards, Printing Ink, Safes, Soap, Vehicles
and Woodworking Machinery.
I2
Dyeing Mid finishing textiles, 2. Electrical machinery, apparatus and supplies. 16. Electroplating, 6. Enameling and japanning, 2. Engraving, wood, 2.
Fire extinguishers, 1. Food preparations, 9. Foundry supplies, 5. Galvanizing, 2. Gas, illuminating and heating, 2. Glass, 2. Gloves and mittens,
leather, 1. Glue, 1. Gold and silver, leaf and foil, 1. Gold and silver, reducing and refining, not from ore, 2. Hats and caps, other than felt, straw
and wool, 13. Hats, felt, j: straw, 1. House furnishing goods, not elsewhere specified, 4. Iron and steel, bolts, nuts, washers and rivets, not made
in steel works or rolling mills, 1. Iron and steel forging, 4. Jewelry, 16. Jewelry and instrument cases, 2. Labels and tags, 2. Lard, refined, not
made in slaughtering and meat packing establishments, 1. Lasts, 1. Lead, bar, pipe and sheet, 1. Leather, tanned, curried and finished, 14. Liquors,
distilled, 6. Mattresses and spring beds, 10. Mirrors. 2. Musical instruments and materials, not specified, 5. Musical instruments, pianos, organs
and materials, 9. Oil, cottonseed and cake, I. Oleomargarine, 1. Paint and varnish, 26. Paper and wood pulp. 1. Paper goods, not elsewhere speci
fied, 8. Paper patterns, 2. Pens, fountain, stylographic and gold, 2. Photo-engraving, 7. Pottery, terra-cotta and fire-clay products, 9. Pulp goods, 1
Pumps, not including steam pumps, 3. Roofing materials, 5. Rubber goods, not elsewhere specified, 1. Safes and vaults, 6. Saws, 2. Scales and
balances. 2. Shoddy, 1. Smelting and refining, not from the ore, 2. Soap, 20. Sporting and athletic goods, 1. Springs, steel, car and carriage, 1.
Stationery goods, not elsewhere specified, I. Stoves and furnaces, including gas and oil stoves. 16. Sulphuric, nitric and mixed acids, 1. Upholstering
materials, 2. Vault lights and ventilators, 1. Vimgar and cider, 2. Waste. 1. Whip, 2. Wool pulling, 2.
A COMMERCIAL CENTER
Banks— National
Bank
Bank
Bank
Bank
................................
8
— State Banks and Trust Companies . . . . 30
Capital . .
....
$ 19,673,400
Deposits . .
...............
130,168,021
Resources
...
184,243,857
Clearings— 1900
...........
795,503,000.
— 1912 ........................ 1,369,215,00(f
Post Office Receipts— 1900 ..................... $1,291,088
— 1 9 1 2 .............
2,621,180.S0"
Annual Trade Items:
D ry G oods and M illinary...................
$47,000,000
C lo th in g ...................................................
33,000,000
S h oes............................................................ 34,000,000
G roceries...................................................
35,000,000
Pig Iron ..................................................... 20,000,000
Reproduced from the Unclassified / Declassified Holdings of the National Archives
TEST OF INDUSTRIAL STRENGTH
Three things are necessary for the development of a great manu
facturing and distributing center. No great industrial center can
be built without all three. To have any two, without the third is a
fatal weakness. The trinity essential to solid industrial growth is:
No. 1—Nearness to the sources of the principal raw materials
used in manufacturing and adequate facilities for bringing this raw
material to the factory doors.
No. 2—Favorable local conditions for the economical transforma
tion of this raw material into finished products, including good labor,
cheap fuel, equitable taxation, low insurance rates, high-class munic
ipal facilities, wholesale living conditions, etc.
No. 3—Ability to reach the market. Great manufacturing cities
are not built by raw material alone. Many ambitious projects for
the building of cities near stores of raw material have failed be
cause the other necessary elements were lacking. Neither can a
great manufacturing center be developed where both the raw ma
terial and the market facilities are available, but the other element
is missing. Many a city that is a splendid railway center, has a rich
surrounding territory and a big distributive trade, cuts little figure
in the industrial world.
Why?
The labor and the skill—the workmanship builded upon the right
sort of local conditions—are not there. Many a city anxious for
factories, and willing to give free land and cash bonuses, fails to
grow industrially.
Why?
Because it has economic disadvantages.
The progressive manufacturer is realizing more and more that
certain great economic considerations are worth inestimably more
than the artificial inducements held out to him by some towns.
What does it profit this manufacturer to accept a free site and a
cash bonus if it costs him more to do business, if his labor is in
sufficient and poorly trained, if the town is not attractive to work
ing men and is not meeting the demands of modern community life?
What does this manufacturer gain if his taxes are remitted and
his insurance rates doubled?
There are many other questions just like these.
To prove that Cincinnati meets the real test of industrial great
ness, is the aim of the following:
No. 1— RAW M A TER IA L AND TRANSPORTATION FAC ILITIES.
Jts nearness to the vast timber region of the South makes Cin
cinnati the greatest hardwood lumber market in the country. Man
ufacturers using lumber of any class can secure it most econom
ically if their plants are located in Cincinnati.
Nearness to the iron fields of the South makes Cincinnati the
cheapest pig iron market in the country. One fifth of all the iron
produced in the United States is sold by Cincinnati firms. It is con
veniently located to the steel market. More scrap iron is handled
in Cincinnati than in any other city in the United States. Small
wonder, therefore, that Cincinnati is a great metal working center;
that more than 12,000 machine hands find employment in Cincinnati
factories.
• rppi
Cincinnati is the place for metal working industries.
Cotton to the value of $800,000,000 is grown annually within a
few hundred miles of Cincinnati, and no other northern city is as
accessible to all the cotton producing sections of the South. As a
consequence there are unlimited opportunities in Cincinnati for all
lines of cotton goods manufacturers.
Cincinnati is also the center of a great wool producing section
and consequently an excellent wool market, appealing to those in
dustries producing woolen fabrics.
The tanning industry in Cincinnati is very extensive, one of its
tanneries being the largest single plant in the country.
The city is recognized as one of the leading leather markets.
As indicating this, Cincinnati ranks among the first of all American
cities in the manufacture of saddlery and harness, and fifth or sixth
in the manufacture of shoes.
Paper mills of various kinds surround Cincinnati. Within a
radius of thirty miles are manufactured every grade of paper used
in the commercial world. It is conceded that Cincinnati is the
cheapest paper market in the United States. To this may be at
tributed in part Cincinnati’s first rank in lithographic poster-print
ing and third ini the paper industry. Wth lumber, iron and steel,
cotton, wool, leather and paper, in great abundance, it will be seen
that Cincinnati hjas all the principal raw materials used in the great
majority of industries. Other articles classed as raw material and
used largely in manufacturing which are extensively produced in
Cincinnati are printing inks, acids, chemicals and varnish.
RAILROAD FAC ILITIES .
Twenty railroad lines radiate from Cincinnati to every section
of the country. Six of these are trunk lines to the Bast—Big Four
Division of the New York Central, reaching Boston and New York;
Erie to New York; Baltimore and Ohio to Baltimore and New York;
Chesapeake and Ohio to Newport News and New York; Norfolk and
Western to Norfolk, Va., and Pennsylvania to New York. The city
owns its own railroad into the South, the Cincinnati Southern.
When the city’s trade with the South was threatened for lack of
railroad facilities, the citizens by popular vote authorized the con
struction of a railroad of their own from Cincinnati to Chattanooga.
From the proceeds of the sale of municipal bonds, this road was
completed in the early eighties. It is the city’s most valuable asset,
and if sold at the valuation on which the present lease of it to the
Queen and Crescent road is based, the proceeds would pay the city’s
entire bonded debt, and leave a surplus in the treasury of several
million dollars. The road will bring an annual rental during the
sixty-five years for which it is leased sufficient to pay the cost of
its construction, and make it a free asset of the city. At present it
pays to the city $1,100,000 annually. This road, operated In con
nection with the Southern Railway, the Louisville and Nashville
and the Illinois Central, connect Cincinnati with practically every
city and town in the growing South. Four lines to St. Louis and
four to Chicago connect Cincinnati with all the West and North
west, while other lines reach the various markets of the Lake re
gions.
Cincinnati is a terminal point of every railroad line entering the
city.
W ATER TRANSPORTATION.
Cincinnati is located on the Ohio River with its thousand miles
of navigable water, furnishing water transportation to all points on
the navigable streams of the great Mississippi Valley.
When the Panama Canal is completed, Cincinnati will have di
rect water connection with all the world’s seaports and will be
nearer the markets of the Orient than New York. A greater ton
nage floats down the Ohio River annually than is carried by the
waters o f any other unimproved river. The United States Govern
ment is now engaged in erecting a series of locks and dams in the
Ohio which, when completed will insure a nine foot stage of water
from Pittsburg to the Gulf of Mexico the year round. One of these,
the Fernbank Dam, just below Cincinnati, completed in 1911, is the
largest movable dam in the world. It gives Cincinnati a twenty foot
harbor the year round.
Though already an important factor in the transportation facil
ities of Cincinnati, the Ohio will then make of Cincinnati an inland
seaport, with all that the term implies.
Cincinnati has the raw material and the necessary facilities for
transportation.
No. 2— FAVORABLE LOCAL CONDITIONS.
Labor.
One of the greatest elements needed for industrial success is a
good labor supply. Cincinnati has it. The Commissioner of the Na
tional Metal Trades Association has testified that Cincinnati is
freer from labor disturbances than any other large manufacturing
city in the country. Cincinnati labor is chiefly American born and
largely of German extraction. That it is of a diversified class is
evidenced by the fact that it is employed in more than 250 kinds of
industries outside the building trades. The city ranks among the
leaders of American municipalities as a city of home owners. Liv
ing costs, which are lower than in other large centers, have made
acceptable wages which are not as high as in some large manufac
turing cities. Cincinnati is the chief distributing point for the pro
duce of the South as well as for the fertile lands surroundng Cin
cinnati, and because of this fact and by reason of Cincinnati’s nu
merous public markets, working men are enabled to live more eco
nomically than in many other large industrial centers.
Cincinnati is doing more for the industrial education of its people
than any other American city. Through its co-operative engineering
course in the University, the first of its kind, through its Continua
tion Schools modeled after the German Schools, and the first to be
established in America, through its industrial high schools and in
its private technical schools, Cincinnati is training thousands of its
young men and women in practical efficiency. This cannot help but
have a tremendous influence upon the question of a labor supply.
Cincinnati’s school system has attracted national and international
attention. Its schools, including the University are open to every
Reproduced from the Unclassified / Declassified Holdings of the National Archives
citizen’s children, Even free school books are provided, excepting
in the University. Besides the public schools, Cincinnati has the
Ohio Mechanic’s Institute, the oldest trade school in the country,
now occupying a new half million dollar building; three theological
seminaries, five medical colleges, two colleges of dental surgery, one
college of pharmacy, two colleges of music and several dramatic
schools.
Cincinnati is liberal in its provision for amusement and recrea
tion facilities, and therefore attractive to working men. Its summer
amusement resorts, its ball grounds, its athletic fields, its play
grounds, its public parks, are easily accessible to the masses of the
people. Besides its splendid educational facilities Cincinnati is do
ing many other things which contribute to the health and happiness
of its working classes. It has given them a pure water supply, and
a splendid system of food inspection; it is building the best munici
pal hospital in this country, and is developing a great system of
parks, boulevards and playgrounds.
CHEAP FUEL.
Eighty-five per cent of all the coal mined in the United States is
produced within 300 miles of Cincinnati. Coal costs but little more
in Cincinnati than at the mines. Seven states ship the product of
their coal fields to Cincinnati, where it is either consumed or dis
tributed to the North, East and South. From the Pennsylvania and
West Virginia fields coal is brought down the Ohio River as a cost
of only one-third of a mill per ton per mile. Immense new coal
fields are now being developed in Eastern Kentucky and new rail
road lines have been built to bring this coal through the Cincinnati
gateway. In addition to the states mentioned, coal comes from
Ohio, Indiana, Illinois and Virginia. Cincinnati is rast becoming
the greatest inland coal market in the United States. Good steam
coal delivered at the furnace door costs Cincinnati manufacturers
from $1.60 to $1.90 per ton according to prevailing conditions. Cin
cinnati is one of the few large industrial centers that enjoys natural
gas. This gas, piped from the West Virginia fields, is supplied to all
sections of the city and suburbs at a cost ranging from 11 cents to
30 cents per thousand cubic feet, according to the amount used.
Electric power is delivered to any part of the city or suburbs by
the Union Gas & Electric Co. at 1% cents to 10 cents per thousand
watt hours, according to the amount consumed.
SUPPLIES.
Ability to secure all supplies needed in the factory and to have
TEST OF IN D U STR IA L STRENGTH,
repairs made promptly is an economy and a source of gratification.
This is always possible in a city having the diversified industries of
Cincinnati.
INSURANCE AND TAXES.
A tabulation of the rates of insurance in a number of the lead
ing large cities of the country shows Cincinnati on the average to be
the fourth lowest Modern manufacturing plants in Cincinnati
equipped with sprinkler apparatus have an insurance rate that is
ridiculously small. The city has a powerful fire department and a
splendid waterworks system.
Under the new law in Ohio the tax rate is limited to one per cent
to cover all forms of taxation, exclusive of sinking fund levies,
which limit may be increased by vote of the people to not more than
one and one-half per cent to cover everything.
W ATER SUPPLY.
Cincinnati in 1907 discarded an old worn out waterworks system
and began operating a new system which cost nearly twelve million
dollars. The water is taken from the Ohio River, about seven and
a half miles above Cincinnati, settled, treated and filtered, and
furnished—at the rate of forty million gallons daily—to the city
absolutely pure and free from disease germs. The Cincinnati water
works plant has attracted international attention. Since its install
ation the Cincinnati typhoid fever death rate has fallen to one of the
very lowest among American cities.
OTHER FAC ILITIES .
The banks of Cincinnati are accustomed to handling manufac
turers’ accounts and are in position to give to the manufacturer
every accommodation. Cincinnati has eight national banks and
thirty state banks and trust companies, representing a combined
capital of about twenty million dollars; combined resources of one
hundred and eighty-five million dollars, with deposits of one hundred
and thirty million: The bank clearings exceed one and one quarter
billion dollars. Cincinnati has always been a solid city financially.
Its postal savings deposits are larger than any other city in the
United States. Cincinnati has never been affected by panics. Its
municipal securities are marketable at a lower interest rate and
demand a proportionately better premium than the bonds of any
other large city. Cincinnati bonds net 3.75 per cent to 3.85 per cent
interest, while other cities have to pay from four to five per cent.
Cincinnati has a single telephone system and the service is equal
to or better than that enjoyed by other cities, with rates lower than
in cities of equal or greater population. For the convenience of the
manufacturer, branch offices are maintained by the telephone com
panies thoroughout the city, located with special reference to the
convenience of the various manufacturing districts.
Switching charges are absorbed and otherwise excellent serv
ice and good treatment are accorded manufacturers by the rail
roads. Industries not located on railroads are afforded excellent
facilities for the drayage of their raw materials and other manu
factured products. Cincinnati’s two hundred and twenty-five miles
of street railway with universial transfers, makes it possible for the
manufacturer, wherever located, to draw his supply of labor from
every section of the city and suburbs.
As a residence city Cincinnati is nearly ideal. Its homes are
found on the surrounding hill-tops, and are unexcelled for their nat
ural beauty. Cincinnati is a modern city in every respect. As a
center of music and art Cincinnati ranks among the first of Ameri
can cities. Its Music Hall, and its biennial Musical Festivals have
an international reputation. Cincinnati maintains its own Sym
phony Orchestra. Its College of Music, perpetuated chiefly by en
dowments, has given to the musical world many masters of the art.
and with several conservatories of music, attracts students from all
parts of the country. The same may be said of Cincinnati’s Art
School. The Art Museum, crowning one of the city’s most beautiful
hills, contains rare treasures from every land. Its Rookwood Pot
tery is known wherever works of art are treasured for art’s sake.
No. 3— A B IL IT Y TO REACH T H E M ARKET—
D ISTR IB U TIO N FA C ILITIES .
A study of the map United States (see back page) with special
reference to the distribution of population and the location of lead
ing centers, will show that Cincinnati is almost ideal as a distribut
ing point. The center of the population of the United States is only
about 100 miles west of Cincinnati, in Indiana. Cincinnati is the
center of 200,000 miles of first-class railways, and as already pointed
out, its railroad lines radiate in every direction. It is located on the
Ohio River at the Gateway of the South, midway between the Great
Lakes and the Gulf. The consuming markets of the country are
within easy reach. A manufacturer located in Cincinnati can reach
a larger number of consumers in less time and at less average ex
pense for freight and express charges than from any other industrial
center. Why is this true?
An analysis of the 1910 census shows a population living within
different radiuses of Cincinnati to be:
Within 100 miles............................................... 2,793,187
200
“ ............................................... 8,678,526
300
“ ............................................... 20,880,946
400 “ ............................................... 30,901,518
500 “ ............................................... 42,939,812
600 “ ...............................................62,415.102
It will be seen that more than 20 per cent of the population of
the United States is within 300 miles of Cincinnati and nearly threefourths of the people of the country live within 600 miles.
Mail facilities in Cincinnati are especially good for the manu
facturer, who can have his day’s mail at the post office as late as 6
o’clock for delivery throughout the central West the next morning.
Mail leaving Cincinnati at 2:30 o’clock in the afternoon reaches the
Eastern Seaboard cities the following morning. The same way mail
from other cities is delivered to the Cincinnati manufacturer or
merchant early the following morning, thus enabling speedy re
ceipts and delivery of orders.
The receipts of the Cincinnati Post Office exceed two and a half
millions annually. Every express company doing business in the
United States has an office and receives and delivers packages in
Cincinnati.
Receiving and distributing freight depots have been established
by the various railroads in suburban industrial sections, which pro
vides speedy receipts and deliveries of freight. Cincinnati is the
center of an excellent package car distribution, which is explained
on the back page of this booklet.
Reproduced from the Unclassified / Declassified Holdings of the National Archives
a great waterway highway to the
Panama C a n a l a city that has
overthrown old conditions and is
today making splendid strides to
ward very first rank among Ameri
can communities.
No federal census can ever give
Cincinnati credit for the popula
tion to which it is entitled, for it
is really a community spread over
a dozen different corporate muni
cipalities in two different states,
the center of a district with a
population of approximately 600,000 people within a ten-mile radius.
But population alone does not
make a city, and it is the ambi
tion of Cincinnati to build the new
city along lines that will give its
citizens more happiness and pros-
Suspension Bridge, Connecting Cincinnati with Its Kentucky
Population of 110,000.
THE NEW
CINCINNATI
T his Is W h a t the V isitor to
the Q u een City Finds T o d a y
A CITY old in years, but young
in spirit, a city founded on
the solid rock of commercial in
tegrity and industrial efficiency, a
city roused to a realization of its
splendid stategic position at the
very heart of the country’s dis
tribution of population, a gateway
between the North and the South,
a natural transportation center, on
Rookwood Pottery, M t. Adam s, Cincinnati.
for Its Product.
Famous the World Over
Reproduced from the Unclassified / Declassified Holdings of the National Archives
University of Cincinnati. The Only Municip
ally Owned University in the United States.
perity per capita than is found in
any other city in the country.
Cincinnati today enjoys a better
credit than nearly any other mu
nicipality, through its ownership
of the Cincinnati Southern Rail
road, the only railroad owned by a
city in the United States, and by
reason of other valuable municipal
assets. It has always been a
solid city financially and has never
suffered seriously from panics or
financial depressions.
It is curious that a city which
has had to suffer from the charge
of being the “ worst governed city
in the United States” should be
really doing more today for the
common good of the masses of its
people than perhaps any other
city of its class. At a conference
recently held in Philadelphia, de
voted to better housing and im
proved public health, it was shown
that Cincinnati leads all American
cities in the lowness of its typhoid
fever death rate and is the only
American city which compares
favorably with European centers
of population in this respect. This
is due to the new twelve million
dollar waterworks system installed
in Cincinnati in 1907. Cincinnati
is now following up this work for
better public health in many direc
tions, having attacked vigorously
its housing problem and working
to create a reform in this direction.
It has established a most rigid
inspection of its food, it is pro
viding medical inspection for its
school children, free clinics and
Hughes High School, Clifton and M cM illan Avenues
(Cincinnati’s School Facilities Are Recognized by
Educational Authorities Everywhere.)
Reproduced from the Unclassified I Declassified Holdings of the National Archives
educational help beyond minor
grades are enabled to supplement
their fragmentary education.
Cincinnati has just completed
the largest office building of any
inland city in the world, the new
Union Central Building, which is
to be the home of the Cincinnati
Chamber of Commerce, now one
of the largest commercial organiza
tions in the country. The Cham
ber of Commerce has consolidated
with itself several other organi
zations and increased its mem
bership within the past year from
800 to 2,000.
Latonia, Famous Race Course, Just Across the Ohio River from Cincinnati.
All the skyscrapers in the down
town business district of Cincinnati
with one exception, have been
built since 1900. Building con(C O N T IN U E D ON P A G E l l )
Pleasure Steamer Landing at Coney Island on the Ohio River.
This Boat H as a Carrying Capacity of 4,000.
dispensaries of many kinds, public
bath houses, and other modern
improvements.
Within the last five years Cin
cinnati has rebuilt practically its
entire school system and has
stepped from an undesirable posi
tion in the matter of education to
very first rank as an educational
center. It is the only city in the
United States having a public
school system ranging from the
kindergarten at one end to the
municipal university at the other,
the first city to establish a co
operative engineering course and
the first city to adopt the German
idea of continuation schools,
through which factory apprentices
who otherwise would be denied
The Queen City Beach, Cincinnati’s Popular Bathing Resort.
Reproduced from the Unclassified / Declassified Holdings of the National Archives
lew Office and Main Exchange of The Cincinnati and Surbuban Bell Telephone Company
Th? New Cincinnat
New Hotel Metropole, Just Opened.
“ Redland” Field, the Hom e of the Cincinnati Baseball Club.
R ep rod uced from the U nclassified / D ecla ssified H o ldings o f the N ational A rchives
IMew Cincinnati Municipal Hospital (Now Under Construction).
W hen Completed, W ill Be the Lareest and M ost Complete Hosnltol In
t
t
<=t»tes.
New 34 Story Union Central Building. Tallest Skyscraper in
the World outside of New York. Home of the
Cincinnati Chamber of Commerce.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Permanent Manufacturers’ Exhibit Building.
(To be constructed 1913)
New Gilbert Avenue Viaduct
$a bt*n uo S Z
EVIDENCE OF THE NEW
CINCINNATI
T1TORKING out of plan for bringing into the heart of the
» » city all of the interurban roads over a belt line loop
and subway entrance to be built at a cost of $7,000,000.
involving the abandonment within the city limits of the old
Miami and Erie Canal and the construction in its place of
a subway, and over that a boulevard to cost $2,000,000.
Voting of bonds for new Hamilton County Court House
to cost two and a half million dollars.
Erection by the Union Central Life Insurance Company
of the largest office building of any inland city in the world,
thirty-four stories. Will be the new home of the Cincinnati
Chamber of Commerce.
Construction of the new Gibson House, a modern hotel
of 500 rooms.
Opening of the new Hotel Metropole, 178 rooms.
Completion of one of the finest municipal hospitals in
the world at a cost of $2,000,000.
Voting of bonds for $350,000 tuberculosis hospital.
Showing by census figures that Cincinnati with its new
$12,000,000 water works has the lowest typhoid fever death
rate of any American city.
Increasing in one year the park acreage of the city 159%,
one thousand acres added.
Building of magnificent new high schools and opening
of new playgrounds and athletic fields.
Voting of bonds for new Convention Hall.
Annexation to Cincinnati of eleven suburbs with a popu
lation of over 20,000.
Completion of the largest moveable dam in the world in
the Ohio River below Cincinnati.
Building of new sky-scraper, home of the Cincinnati and
Suburban Bell Telephone Co.
Opening of new Cincinnati Ball Park, costing $400,000
and ranking among the best in the United States.
Financing of new Permanent Manufacturers’ Exhibit
Building.
^
Completion of new Gilbert Avenue Viaduct.
Erection of new skyscrapers at Sixth and Main Streets,
by the Vanderbilts of New York and at Fourth and Race
Streets on the site of the old St. Nicholas Hotel.
Voting of bonds for $3,000,000 for new sewer system.
Increase of membership of the Cincinnati Chamber of
Commerce from 800 to 2,000 in one year.
0
o oo
I
FORCEFUL FACTS ABOUT >C
CINCINNATI
■— -—ENTER of market, being within twenty-four hours of
76,000,000 people.
-V
The largest center of hardwood lumber in the world.
---- Only city in the United States owning a steam railroad.
Leads the world in the manufacture and quality of
machine tools.
Leads the world in the manufacture of wood-working
machinery.
Produces more soap than any other city in the United
States.
Has the largest and most complete bottle factory in the
world.
-----Leads the world in the manufacture of prisons and ornamental iron.
Has the largest office furniture factory in the world.
—Center of the largest soft coal producing fields in the world.
Has the largest tannery under one roof in the world.
Has the largest trunk factory in the United States.
Ranks first also in the manufacture of acids, bookcases,
field musical instruments, playing cards, printing inks,
laundry machinery.
___- Has a greater variety of factories than any other cit
in the country.
Ranks third in the manufacture of “ Tailor to the Trade”
clothing.
Greatest lithographing center in the United States.
First compressed yeast factory in the United States.
Ranks second in the production of women’s cloaks and
men’s caps.
Leading market in the country for medium priced clothing.
Leads in the export of special pianos built in special designs
for tropical and other countries.
Center of the greatest carriage district in the country.
‘"■—''Largest distributing center for whiskey in the world.
.
—- Leads in the production of cigar boxes.
O
Is a leading shoe manufacturing center.
Ranks third in the manufacture of electrical machinery.
Makes more playing cards than any other city in the
world.
Has the largest leather supply house and the largest
harness factory.
Has the second largest factory in the world for the manu
facture of baseballs and baseball supplies.
_____ __
C
-
Reproduced from the Unclassified I Declassified Holdings of the National Archives
que location, will make it one of the
most beautiful cities in the world.
It has taken over the unused end
of the old Miami and Erie Canal
and is going to make it into a boule
vard and subway entrance for interurban roads, which improve
ments, including the interurban
entrance, will cost from eight to
ten million dollars.
Within the past two years eleven
million dollars have been spent or
contracted to be spent for public
improvements, including $3,000,000 for a new sewer system, $2,500,000 for a new court house,
$1,750,000 for parks, $2,000,000
for a new general hospital, $350,000
a new tuberculosis hospital,
>0,000 for a convention hall,
y W L (J Y W
Club House and Band Stand, Zoo
struction in the past ten years was
twice as much as the record of the
previous decade and in one year
building construction showed an
increase of 523% over that of 1900.
Millions have been spent by the
railroads for new improvements.
Millions have been invested in
new factories. Whole industrial
communities have been developed.
Within ten years the bank clear
ings have increased 65%, manu
factured output 58%, postoffice
receipts 93% and property values
145%. Cincinnati has added with
in the past two years more than
one thousand acres to its park
area, and is developing a great
system of parks, boulevards and
playgrounds that, taking advantage
of Cincinnati’s naturally pictures
Herbivora Building, Zoo Garden
Reproduced from the Unclassified I Declassified Holdings of the National Archives
particular industry.
In Cincinnati’s factories nearly
100,000 people are employed and
the manufactured output according
to the factory census of 1910 was
$260,000,000.
A study of the map of the United
States with special reference to thy
distribution of population and the"
location of leading centers will
show that Cincinnati is almost
ideal as a shipping point. In this
connection see map on back page
of this booklet. Cincinnati is the
center of 200,000 miles of firstclass railways, is located on the
Ohio River and is only 100 miles
distant from the center of popula-
Music Hall and Washington Park, W here World Famous Musical Festivals Are Held.
Custom H ouse, Postoffice and
Sub-Treasury.
$550,000 for the University of
Cincinnati and $600,000 for street
improvements. The new munici
pal hospital will be one of the
finest institutions of its kind in the
United States, if not in the world.
Practically every human want
can be supplied in Cincinnati
either from among the products of
its nearly 3,000 factories or from
the jobbing houses established
here by reason of Cincinnati’s
great advantages as a distributing
center. There is perhaps no city
in the United States that is so
solidly established as a manufac
turing center and whose prosperity
depends so little upon any one
iniiitni
........till
<iim m
II Hill kit
m r n m !l
kkh
m u ....I;
M t. Adams Incline Plane.
Owned by the Cincinnati Street Railway Co.
Cost $300,000.
Length 945 Feet.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
which afford its people ample
facilities for wholesome recreation.
Entitled to first mention is the
Cincinnati
Zoological
Garden,
ranking among the very best of
its kind in the United States, if
not in the world. Though not as
large as some other Zoos it has a
wonderful collection of rare ani
mals and birds, some of which are
not duplicated in any other in
stitution. The Cincinnati Zoo cov
ers sixty acres of ground and in
the summer time is almost a
fairyland of interest and beauty.
Fine musical concerts are given
throughout the summer and a
modern clubhouse affords every
facility. On summer evenings the
Cincinnati Zoo is the mecca for
Lake in Eden Park, Overlooking Ohio River.
Ohio River Vista Above Cincinnati.
tion. The consuming markets of
the country are within easy reach.
A manufacturer located in Cin
cinnati can rach a larger number
of consumers in less time and at
less average expense for freight
and express charges than from
any other industrial center. As a
jobbing center, Cincinnati has a
great many large and strongly es
tablished houses, especially in dry
•roods, millinery, clothing, shoes
and groceries, these being the
staple lines, and in addition having
houses handling practically every
sort of merchandise.
Cincinnati does n ot believe in
and has a
all work and no pi
great many things which make it
most attractive to the visitor, and
One of the Finest River Views in the World.
Lake in Burnet W oods Park,
Reproduced from the Unclassified I Declassified Holdings of the National Archives
abroad, a more picturesque river
than the Ohio, and a steam
boat excursion on a moonlight
summer night is one of the most
delightful experiences which Cin
cinnati offers its visitors.
Flower Garden and W ater Tower, Eden Park
Cincinnati abounds in other
points of interest, including th,,,ft
famous Rookwood Pottery on the
brow of Mt. Adams, the Art
Museum and Art Academy, Eden
Park, Burnet Woods and many
other public parks, playgrounds
and athletic fields, numerous sum
mer resorts, country clubs, golf
links, a bathing beach, fishing
camps, boat clubs and other recrea-
thousands
of
Cincinnati’s
own
people and visitors within the city,
and nowhere will there be found
a better dressed, more happy
crowd.
Cincinnati has three principal
amusement parks, Coney Island
situated about ten miles up the
Ohio River, Chester Park in the
north side of the city and the
Lagoon across the river in Ken
tucky.
Between the city and
Coney Island is maintained a line
of steamers operating in the sum
mer season which carry a tre
mendous passenger traffic. There
is nowhere in this country, if
Arch Bridge and Driveway, Eden Park
.....
..... . .. ......
............ ........ ........
....... . ..........
.................. .............. .
■
■
■
■
■
IM—
Reproduced from the Unclassified I Declassified Holdings of the National Archives
tra. Its biennial May Festivals are
international affairs.
Cincinnati is a many-sided city.
It is a center, not only of industry
and commerce, but of art, music
and culture; a charming city to
visit and a most wholesome city in
which to have a home and a
business.
Reservoir, Eden Park
J
tion facilities. It has a magnificent
new ball park costing $400,000, a
race course in Kentucky adjacent,
Ft. Thomas, a military reservation
across the river, the Fembank
j
Dam in the Ohio River below Cin
cinnati, and many other things.
In the city proper there are
many things of public interest, in
cluding the Tyler Davidson Foun
tain, the old St. Peter’s Cathedral,
j
the Cincinnati Observatory, the
Ohio Mechanic’s Institute, and
many, many others. Cincinnati
is famous for its good music, has
several splendid musical schools
and is one of the few cities capable
of sustaining a symphony orches-
Reproduced from the Unclassified I Declassified Holdings of the National Archives
CINCINNATI—An Ideal Distributing Center
river
This m ap shows w hy Cincinnati is unexcelled as a distributing center. T he
lines are draw n on radii from Cincinnati of from 1 0 0 to 6 0 0
miles. T he figures give num ber of days required for de
livery of L. C. L shipments from Cincinnati. T he
population living in the territory within
each circle is
Within 100 miles
200
“
2,793,187
9*678,526
Within 300 miles - 20,880,946
“
400 “
- 30,901,518
Within 500 miles
“
600 “
MINNEAPOUj
*-l0S ANGE.I
^
COPYRIGHT
1413
by
THL CINCINNATI CHAMBER
COMMERCE.
X*
42,939,812
62,415,102
Reproduced from the Unclassified I Declassified Holdings of the National Archives
STATEMENT■OS THE CLAIMS OF
CIUCOTATI
FOR A REGIONAL B AM.
Prepared for the Comnittee
U2ider +:V»7H
of
Professor of Economics and Commerce
University of Cincinnati.
Oinoinnati
feTbruary 1914
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Joint Committee on Regional Bank
William S. Howe, Chairman
Clearing House
William 3* Rowe
0 . A. Hinsch
Caspar II. Rowe
Chamber of Commerce
Lasard Kahn
Edward L. Heinsheimer
T . J. Davis
Business Men1s Club
pranklin Alter
Edward Seiter
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Contents
Introduction............. ............. ,...*•..... ....... ,. . 1
Proposed District and Reserve City*.................... .1
Primary factors,,.... ............................ 1
General summary.......................................... .. . 3
Reasons for the District.......*.......... ...... ..2
Reasons for selecting Cincinnati as the Reserve
Bank City......... ..................... ........... . *4
District*................. .............................. .. *8
Relation of the proposed District to other Districts. . . . . . . 8
Considerations................. .............. ..8
Area of the proposed District...#.......*...... .......9
Banking.................................... ............. 10
General statement...................... .......... .
.10
Distribution............................. .......... . •10
Eligible state banks............................ ..... 13
Credit demand and supply......... ........... .......... . *14
Bills payable and re-discounts........ ........... .....14
.Seasonal demand for credit.
..... *..14
Area and population......... .................... ........ 21
Area*................. ............................. .. 21
Population.
..... .............. .
*21
Density of population*.............................. .*23
Urban population*.*......... .......... ............... 33
Agriculture, mining, and manufactures......................26
Agriculture. ........ ......... ............ .......... .26
Soils*..................... ......... .............. 26
General farm statistics.................. ...... ...26
Size of farms*
............ ......... 27
Farm ownership«...... ...... ......... .
30
Talue of farm products............ ................. 30
Leading farm products.............. .......... ..... 30
Mining............ ........... .............. ..... .
31
Leading mineral products....... ............ .
33
Coal****................... ... ........... ....... 33
Hatural gas and oil................................ 33
Manufactures.................................. ....... 35
General statistics.......... .................. ... *35
Distribution of industries. ....**....... ....... .......37
Varying degrees of development................... .
*39
Railroads......... ......... ............................. 40
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Contents 2
Cincinnati .................... ...................... 41
The c i t y .... ...... ................... ......... .. 41
Location.... .................................. 41
Population .................................... 41
Industries ................... ................. 43
Trade relations by sections ... *.................. 43
Package oar shipments ................. ....... . 43
Banking ................ ........... .... ...... .
48
Resources ........................... ........ . • 46
Principal correspondent relations ......
48
Aloaning center ...................... ..... .... 49
Shipments of currency..... ........... ......... 50
Enterprises financed .... ....................... 53
Wheat and corn .............................. 53
Cattle and hogs ................. ...... ..... 54
Sheep and wool ...................... .
54
Tobacco .................. ................... 55
Blue grass s e e d .... ................ ..... .
55
Coal .............. *................ .
55
Distilled Liquors ..................... .
56
Iron ..................... ............ .
55
Paper and pulp .............. ........... .
56
Panic of 1907 ................ ................. 57
Flood of 1913 ............................. .... 57
Railroads and waterways ................. ...... ... 59
Lines ....... ..... ...................... .... .. 59
River ..................... ....... ..... ....... 60
Package car service ......... ................... 60
Mails .... .............. ............. ............ 62
Facilities ..................... ............... 1*2
Distributing center .... ......... ................. 66
General character of service ......... .......... £6
Commodities ........................ ............ 6 $
Coal .......................................^7
Pig iron .............. ............... .
69
Tobacco ............................. ....... 69
Distilled liquors ............ ....... ...... 70
G S a i n ...................................... 70
Fruits ......................... ............ 74
Live stock ••••••••.......................... 74
Federal administrative center .................. .
75
Post office .......... ......... .......... ..... 75
Receipts ........................... ........ 75
Postal employees ................... ...... .
75
Rural carriers - postal funds ............... 75
Money order funds ............... ........... 75
Railway mail service •••••..... ................. 75
Headquarters .......................... ..... 75
Routes
............................ ....... 76
m
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank * Cincinnati
Sub-Treasury................................ 76
Receipts ................ ............ .....77
Services ................ ....... ......... 77
Coin receipts and shipments ............... .77
Transfer of f u n d s ......................... 80
Five per cent redemption f u n d ............. 81
Sentiment for Cincinnati ........................ 83
Appendix.......................... ............ 84
Industrial statistics .......... ............ 84
Agriculture .............................. 84
Mining.......................... ......... 88
Manufactures .................... ....... ..89
Package car routes and "break bulk” points .... 93
Cincinnati District trade relations ......... 105
Distribution of package car shipments ....... Ill
Mails ..................................... 117
Articles included in monthly report of
Cincinnati Chamber of Commerce ............ 126
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Maps
1
3
3
4
5
6 7 8 9 10 11 13a13b13 14 -
16
17
18
19
30
31
33
33
34
35
36
37
Sectioral subdivisions of States
Suggested districts
Banking
National and State banks by counties
Sectional distribution of banks
Seasonal demand by States
Seasonal demand by sections
Seasonal demand by counties
Pojjulation per square mile - Cities and Towns
Soils
Agriculture
Improved land in farms
Farm tenure
Farm products by sections
Leading farm products
a - Domestic animals
b - Neat cattle
c - Horses and mules
d - Poultry
e • Swine
f
Sheep
mm Value of all crops
g
h - Corn
i — Wheat
k - Oats
1 - Hay and forage
m - Tobacco
Mining
- Coal regions
- Gas and oil regions
- Manufactures
- Railroads
- Main portion of Metropolitan District of Cincinnati
- Sectional trade distribution
- Principal sectional correspondent relations
*» Cincinnati bank accounts
- Country bank loans in Cincinnati, in 1913
- Mai&s from and to Cincinnati
- Railway m«il service - Fifth Division
- Sub-Treasury coin shipments and receipts
Reproduced from the Unclassified I Declassified Holdings of the National Archives
BRIEF IIT SUPPORT OP THE LOCATION OF
A REGIOEAL BAETK II CI1TCIMATI
To the Federal Reserve Bank Organization Committee,
Gentlemen:
As representatives of the financial, commercial and
industrial interests of Cincinnati, we respectfully submit
the following: *■*
FIRST, a Regional Bank District should he established
consisting of the major portions of the five States:
Ohio, Indiana, West Virginia, Kentucky and Tennessee, together with such contiguous territory as your investiga
tions may show should be included therein;
SECOID, the Federal Reserve Bank for this District
should be located in the city of Cincinnati.
We believe that such action is in harmony with the provision
of the Federal Reserve Act which prescribes, "that the Districts
shall be apportioned with due regard to the convenience and
customary course of business”.
We believe also, that a consideration of the facts herewith
submitted will show that the proposed District, with Cincinnati
as its Regional Bank city, meets fully the conditions set forth
by the Organisation Committee as the "primary factors in deter
mining the boundaries of the proposed Districts and the location
of the Federal Reserve Banks".
These primary factors are:
"FIRST, Geographical convenience, which involves transportation
facilities and rapid and easy communication with all parts
of the District;
SECOND, Industrial and commercial development and needs of
each section, which involves consideration of the general
movement of commodities and of business transactions within
the Districts and the transfer of funds and exchanges of
credits arising therefrom;
THIRD, The established custom and trend of business, as
developed by the present system of bank reserves and check
ing accounts.
In laying out the Districts and establishing the
headquarters for Reserve Banks, every effort will be made to
promote business convenience and normal movements of trade and
coirimerce.w
1
Reproduced from the Unclassified IDeclassified Holdings of the National Archives
R e g io n a l 3 a n k - C in c in n a t i
2
General Summary
(A detailed presentation of each of these facts w ill he
found after this General Nummary*)
The propriety of establishing a District, such as is here
proposed, is shown by the following fa cts: 1 - Relation of the proposed Distrio t to other Districts
The Distriot harmonizes with an e ffic ie n t sub-division
of the country as a whole, whether the total number of
D istricts fia n lly decided xmon is eighty nine, ten, eleven
or twelve.
2 - Banking
The five ^tates constituting the proposed d is t r ic t , have
3 ,5 6 0 hanks with a capital and. surplus of § 3 9 1 ,0 9 4 ,0 0 0 and
deposits of $ 1 ,6 7 5 ,5 2 4 ,0 0 0 .
Of these banks, 1 ,0 0 § are national banks, with a capital
and surplus of f 2 0 2 ,7 0 1 *0 0 0 and deposits of .1 761,971,000.
Of the state banks, 1 ,2 5 9 are eligib le for membership in
the Federal Reserve Bank system.
Their capital and surplus
is 5 1 3 9 ,0 8 4 ,0 0 0 and dei>osits $ 6 2 4 ,8 6 0 ,0 0 0
3 - Credit demand and supplg
The banks of the proposed District #ave about one-tenth
of the total amount of b i l l s payable and re-discounts of
a ll the banks of the United States.
The fluctuation in
the borrowing of the banks of the Distriot throughout the
year, amounts to only $ 6 ,0 0 0 ,0 0 0 between the high and low
po ints.
The proposed District combines loaning and borrowing
sections in e manner that renders it self-sustaining.
The northern portion as a rule possesses r pnrplus of
loanable funds, while in many southern sections, the
demand for credit is in excess of the local supply.
Moreover, ’judging from the replies received from about
fifte e n hundred banks throughout the D is t r ic t, to the inquiry;
uIn wh? t months of the year is the demand heaviest from your
local borrowers", there is a demand for credit throughout
the proposed D istrict in all seasons of the year.
Reproduced from the Unclassified IDeclassified Holdings of the National Archives
3
Regional ®ank - Cincinnati
The comparatively slight fluctuations (about $1,200,000)
between- the high and low points of the outstanding loans of
country banks in Cincinnati is evidence that the interests
of the District are so diversified that at the period of the
year when one section is borrowing, another section is lend
ing.
This fact is further shown by the replies received
to the inquiry above mentioned*
4 - Area and population
The proposed District contains
14 . Zfo of the total population of the U. S.,
1 1 .8$ " ,f urban population,
16.5$ " M rural population, and
13.5S& n " cities and towns.
5 - Industries
It is a section of widely diversified and extensive
industries, - agriculture, mining and manufacturing.
It contains
17.1$ of the
13.2^ n 11
14.9^ " "
13.1$ n ,f
12.5$ Tf ,f
farms of the U. S.,
total value of farm property,
mining capital of the U. S.
manufacturing establishments, and
manufacturing capital:
and produces
13.4$ of the total value of farm products,
15.1$ u
n
n
n
11 mining products, and
1 2 . 5 fo ,f
ti
w
n
n manufacturing pr6 ducts.
It produces over 1/8 of the country’s
cattle,
hogs,
sheep,
wool,
tobacco,
corn,
wheat,
eggs,
fowls, and
orchard fruits;
and over 1/8 of the output of 19 of the 47 industries
of the country which in 1910 reported a product of
over 1 1 0 0 ,000^000 each.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Some of the industries, such as those connected with
farming, are of importance in practically a ll section of
the D istric t, while others, such as mining and manufactures,
are more centralized;
the location of the former (mining)
being determined by a distribution of mineral resources,
while the latter (manufactures) are found principally in the
large cities and their immediate environment.
Even the
mining and manufacturing interests, however, are of large
importance in each of the States mentioned.
Furthermore, the several sections of the five States
present varying degrees of development, - a fact which lends
importance to the proposition to combine them into one Region
al Bank D istric t, thereby beinging into close relation the
more highly developed areas and those less developed, to the
mutual advantage of both*
6 - Railroads
Through its railroads and rivers, the District is well
provided with fa c ilit ie s for ‘transportation and communication.
According to the Interstate Commerce Commission1s Report of
1911, the five States contained over 2 7 ,0C0 miles of railroad,
This was 11 *3fo of the total railroad mileage in the United
States•
The Committee presents Cincinnati as the logical place for
the establishment of a Regional Bank for the following reasons: 1 - Location, resources, and trade
Geographically, Cincinnati lie s nearest the center of the
proposed D istric t, midway between the most highly developed
portions and those less developed, as a result of which, it
serves both by bringing them into relation with each other.
I t is situated near the cente of population of the United
States.
The population of the Metropolitan district of Cincinnati,
according to the last Census, was 5 6 3 ,8 0 4 .
The manufactures of this District in 1910 were represented
by 2 ,8 2 7 establishments, 9 5 ,571 persons engaged, a capital of
$ 2 1 2 ,5 5 5 ,0 0 0 and a product valued at $ 2 6 0 ,4 0 0 ,0 0 0 , of which
$ 1 2 1 ,2 9 2 ,0 0 0 represented value added by manufacture.
Thirty
indust ies were reported in 1910 with an output of over
$ 1 ,0 0 0 ,0 0 0 each•
Reproduced from the Unclassified IDeclassified Holdings of the National Archives
R e g io n a l Bank - C in c in n a t i
5
The commerce of Cincinnati reaches every State in
the country and all the leading foreign markets*
Intimate trade relations exist between the city and
all portions of the proposed District.
This fact is
shown by the statistics of the distribution of the trade of
a selected list of representative Cincinnati firms and also
by the package car shipments.
2 - Banking resources and relations
Cincinnati is the natural financial center of the
proposed District.
Its banks have an honorable record for sound policy
and efficient service, past and present, which has merited
and received the confidence of the business and financial
interests of the proposed District:.
The City has 42 banks with a capital and surplus of
$30,096,000 and deposits of $158,190,000.
Of these, 11
are national banks with a capital and surplus of $19,968,000
and deposits of §60,391,000.
The City sustains correspondent relations with 877 banks
in the District, situated in 225 counties, distributed through'
out all sections of the five States.
It is the center of a section v/hich possesses surplus
funds that are available for the demands of other sections
of the District.
The banks of Cincinnati serve other portions of the
District in a large number of ways, both direct and indirect.
The general character and extent of these services are
shown: (1)
By shipments of currency, amounting in 1913 to
$39,105,000;
(2)
By participating largely in financing the various
business activities of the District, notably in con
nection with the production and sale of
wheat,
corn,
cattle,
hogs,
sheep,
wool,
tobacco,
blue grass seed,
coal,
distilled liquors
iron, and
paper and pulp;
Reproduced from the Unclassified IDeclassified Holdings of the National Archives
R e g io n a l Bank - C in c in n a t i
(3)
«
By the readiness and efficiency with which aid is
extended in emergencies, notable examples of which are
the panic of 1907 and the flood of 1913.
3 - (Transportation and facilities
Prom Cincinnati as a center, railroads radiate in every
direction, bringing the City into close relations with every
part of this and contiguous Districts: To
To
To
To
To
the
the
the
the
the
north and northeast
east and southeast
south and southeast
west and southwest
northwest
5 lines
r?
4
Z
tf
4
Tt
4
Package cars to the number of 596 are sent out daily,
reaching all portions of the District, and also many points
in neighboring States.
4 - Mails
The Oity has exceptional mail facilities.
Frequent
mails go daily between Cincinnati and all important cities
of the District, and also between Cincinnati and the leading
cities of the territory contiguous to the District.
The arrangements are such as to make possible communi
cation between Cincinnati and all of the large cities of
the District between the close of biisiness hours on one
day and their opening on the following rooming.
The same
is true of mail communication between Cincinnati and many
important cities in adjoining Districts.
Distributing center
Cincinnati is an important distributing center both
for its own products and for those of other sections.
Among the leading commodities for which the City
serves as a center of distribution are
coal and coke,
pig iron,
wheat,
corn,
tobacco,
distilled liquors,
live stock,
lumber,
fruits, and
dry goods.
The movements of commodities into and out of Cincinnati
are relatively constant throughout the year.
Indeed, it is
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
characteristic, both of the industries of the City itself
and of its commerce, that the articles are of so varied a
character as to render the business and financial conditions
independent of the vicissitudes that may attend any one class
of products*
6 - Federal administrative center
The superiority of Cincinnati as a center for serving
the proposed District is shown by its selection as headquarters
for the administration of Federal affairs.
Its Post Office serves (1) as a depository for postal
funds in Ohio, (2) as the depository for money order funds
from southeastern Indiana, southern Ohio, and eastern Ken
tucky, and (3) as the headquarters for paying the rural mail
carriers of Ohio.
It is also the headquarters for the administration of
the Fifth Division of the Railway Mail Service, which includes
the States of Ohio, Indiana and Kentucky.
District centers
in this Division are located at Cleveland, Indianapolis and
Bouisville.
Thirteen lines of this Division radiate from
Cincinnati, and besides these, fourteen other important
lines are operated from here.
Cincinnati is one of the nine Sub-Treasury cities of
the United States.
Besides being a depository for the
funds of the National government, it serves a large area
through (1 ) shipment of silver and minor coins, (2 ) the
transfer of funds, and (3) the receipt of deposits for the
five per cent redemption fund.
7 - Sentiment of District
The sentiment of the proposed District, so far as it
has been ascertained, is in a marked degree favorable to
the location of a Regional Bank in Cincinnati.
It is believed that the replies to the inquiries of
the Organization Committee, received from the banks of the
five States mentioned, when combined, will substantiate the
opinion that Cincinnati occupies the leading place in their
choice of a Regional Bank center.
(Some of the data are presented by States, but for a
m o p e detailed description of the proposed District, the
Stktes have been subdivided into sections, as shown by
Map llo • / Sectional subdivisions of States).
Reproduced from the Unclassified / Declassified Holdings of the National Archives
R e g io n a l B ank
C in c i n n a t i
8
Relation of the Proposed District
to Other Districts
It is understood that the Organization Committee desires
an expression of opinion as to the best division of the en
tire country into Districts.
Accordingly, a map has been
prepared suggesting the limits of Districts, though the in
formation at hand is not sufficient to warrant a final opin
ion as to the exact lines of division that should be estab
lished.
In submitting this tentative plan, the Committee has kept
in mind the following considerations:
First, In planning for the division of the country
into Districts, it is essential that each should be so
arranged as to fit into the general scheme, and that the
Districts should be so arranged as best to meet the needs
of all.
In other words, to warrant the establishment of
any proposed District, it does not suffice to show that
by itself it fulfills the required conditions.
Its es
tablishment must harmonize with the fulfillment of these
conditions by each of the other portions of the country.
Second, The Districts should, if possible, be so or
ganized that the available supply of credit will suffice
to meet the demand therefor, and conversely that there will
be an ample demand for the surplus funds seeking employment.
To this end, portions of the country in which the supply
of available funds is in excess of the demand therefor
should be grouped with other sections where the demand for
the credit is in excess of the local supply.
Third, In providing that the number of Regional Banks
shall be not less than eight nor more than twelve, Congress
said in effect that, subject to these limitations, the
number to be established should be determined by the needs
of the country.
That is to say, it is not primarily a
question of establishing as few Reserve Banks as possible,
or as many as possible, but of providing such number as the
interests of the country’s business require.
Fourth, It is believed also, that it is in harmony with
the spirit of the law that the financial resources of the
country should be decentralized in so far as the central
ization of such resources has hitherto been the result of
arbitrary legislation, and to the extent that it has worked
injury.
A study of the population and business of the various sec
tions of the Unit8 d States will show, we believe, that a Dis
trict should be established, consisting of the five States men-
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
9
tions of the United States will show, we believe, that a
District should be established, consisting of the five
States mentioned, whether the total number finally decided
upon is eight, nine, ten, eleven or twelve.
The proposed
District is situated at the center of the main industrial
and commercial area of the United States and would therefore
form the connecting bond between the others that may be or
ganized.
The data submitted herewith, is grouped by States because
the available statistics are so given.
It is not intended
however, to convey the idea that the District advocated
should conform exactly to the boundaries of these States.
Probably a portion of northwestern Indiana should be included
in the Chicago District; a portion of the eastern West Vir
ginia in an eastern District.
Small portions of western
Kentucky and Tennessee perhaps fall naturally in a District
including ST.Louis.
Attention is called especially to the fact that in the
accompanying maps, that portion of the boundary line of the
District which coincides with the Northern boundary of Ala
bama is broken.
This is intended to show the Committee’s
opinion that since the loaning capacity somewhat exceeds the
borrowing in the five States given as forming the main por
tions of the District.
It is possible to include additional
borrowing territory.
Existing &rade relations suggest the
propriety of making such additon from some of the southern
States, more particularly from Alabama.
The maps show suggested District with eight, nine, ten,
eleven and twelve Banks respectively, together with the
approximate amount of the capital of each Bank in the several
subdivisions.
(See Map llo *2* Suggested Districts.)
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank - Cincinnati*
Banking
General Statement* - There are in the District 3,560
banks, of which 1,009 are national banks* Together,
the banks have a capital and surplus of $391,094,000
and deposits amounting to $1,675,524,000.
The National
banks alone have a capital and surplus of $202,701,000
and deposits of $761,971,000 (See Map No.3 Banking).
(See chart on following page*)
Banks
% of
No.
U.S.
Cap.&3urp.
in
millions
% of
U.S.
Deposits
in
millions
$2 03
188
391
11*7
9.9
10*7
$762
914
1676
National.*. 1,009 13*6
Other .* **. 2,551 11#7
Total .... 3,560 12*2
% of
U.S.
9*5
7*5
8.3
Distribution* - The distribution of these banks and of
their capital and surplus and deposits throughout the Dis
trict was as follows (See table on following page for distri
bution by sections in each State.) (See Map No.
National
and State Banks by Counties; Map No* S ~ Sectional Distribu
tion of Banks).
National Banks
No.
District 1,009
Ohio....
Indiana.
W. Va...
Kentucky
Tennessee
382
256
117
146
108
Cap.&Surp.
in
millions
Deposits
in
millions
All Banks
No* Cap.&Surp Deposits
in
in
millions millions
$203
$761
3560
$391
$1676
104
40
17
25
17
375
170
58
82
76
1160
949
314
619
542
184
80
36
51
39
875
358
126
161
156
Reproduced from the Unclassified I Declassified Holdings of the National Archives
D is tr ic t
P eh
J > a n k in q
/s c s , e=l>s>
<3r
T h e i
~To
o
N
a t i o n a l
B
m
^
k s
__
s S ta .ti3 t l o s
IrH'THEi
JO tz'/x.
—
NU MBELR,
C a p i^ u X
De
^
S u r p lu s
p o s it s
5 T A T C . BA.NWS1
,—
Nu m b e r .
d. A
v
(=
>
l'T'/V.I_'Sr S Ufe.F>l_V
JS
>
De
p o s it s
Na t i o n a .i_5, 5 t
a .t e
B a n k s ;—
N u M e> E:K_
CAPITAL^5oR.PLU5
De
p o s it s
mmmm—Mmmm—m
U n i t e d
-Snr
e h -s
Reproduced from the Unclassified I Declassified Holdings of the National Archives
i?
H
BANKS
(OOO Omitted in Capital & Surplus and Deposit Columns)
HAT 10UAL BANKS
No.
Cap & Sur
OTEEB BANKS
Deposits
. s ...... 7,572 1,727,561 8,054,193
No.
Gap & Sur
TOTAL
Deposits
21,625 1,902,604 12,121,455
No.
Cap So Sur
Deposits
28,995 5,630,165 20,185,648
)istriet .. 1,009
202,701
761,971
2,551
188,395
913,543
5,560
291,094
1,675,524
; of u. s.. 13.6
11.7
9.5
11.7
9.9
7.5
12.2
10.7
8.3
382
103,549
375,366
754
80,683
499,863
1,156
184,232
875,199
.. .
•#•
•••
...
...
•♦«
...
...
23
56
76
28
30
45
55
31
7,303
7,485
29,298
3,650
2,424
5,625
24,193
3,908
33,900
23,245
102,232
12,755
8,500
24,305
125,446
20,508
111
90
92
50
24
64
133
90
7,462
4,062
12,204
2,124
1,089
3,200
38,256
5,800
39,208
20,956
75,300
11,442
6,555
17,510
267,310
55,942
154
146
168
78
54
109
188
121
14,765
11,547
41,502
5,774
5,513
8,825
62,449
9,752
75,108
44,201
177,552
24,200
14,855
41,812
590,756
54,505
Indiana ..
256
40,003
170,418
693
40,459
187,165
949
80,462
357,583
B . w. ...
W. C. ...
S . (/. ...
IT. 7/ . . . .
E.G . ...
S. E. ...
40
43
54
21
66
32
4,150
6,420
5,987
4,009
15,810
3,627
19,570
22,353
29,380
22,515
64,725
11,895
126
107
96
141
147
76
6,037
5,416
5,277
7,079
14,735
2,917
32,020
26,920
23,072
38,268
55,688
12,627
168
158
146
162
219
98
10,197
11,836
10,254
11,088
50,805
6,282
51,590
48,623
52,542
60,052
120,709
25,797
W. Va. ...
117
16,968
57,505
197
19,426
68,664
314
36,394
126,169
N«
S .......
-
61
47
9
10,068
5,962
938
56,760
17,825
2,920
121
59
-.7
12,659
5,708
1,059
49,990
15,229
3,445
182
106
26
2E.727
n.e^o
1,9*7
86,750
55,054
6,565
?
Kentucky .
146
25,382
82,277
473
25,326
78,594
619
50,708
160,881
S. w. ...
>j * ••••••
IT i?. c ..
S« 7/. C..
N<i E. C..
E 4 C . ...
S i E. C..
II. jit • ...
E<
S. E • .•.
10
16
12
15
20
25
9
19
8
14
1,591
1,935
8,590
822
5,451
5,404
723
1,557
679
632
5,505
5,095
36,370
3,245
11,075
11,435
1,605
5,520
2,267
2,160
38
87
71
36
98
42
28
45
15
15
1,436
3,756
8,024
1,161
4,561
2,885
724
1,915
445
439
4,315
12,515
26,357
5,475
14,251
6,750
2,029
6,090
1,427
1,405
48
105
85
49
118
67
57
64
25
27
3,0*/
5,669
16,614
1,983
8,012
8,289
1,447
3,472
1,124
1,071
7,820
17,610
62,757
6,720
25,306
18,185
3,634
11,610
3,694
3,565
Teinessee.
108
16,799
76,435
434
22,499
79,257
542
39,298
155,692
N < V'/. ...
S . v/. ...
N « \'i . 0 ..
s. vj. c .#
Hi E. C . .
8
9
25
14
10
17
8
19
561
2,150
4,452
1,327
472
3,845
617
3,575
1,345
10,455
27,335
3,495
2,045
16,110
3,875
11,875
91
87
65
44
42
47
21
37
2,618
9,793
3,159
1,066
823
2,586
585
1,869
7,215
59,180
11,055.
2,950
2,452
7,757
2,650
6,020
99
96
88
58
52
64
29
56
5,179
11,945
•7,611
2,595
1,295
6,451
1,202
5,244
8,560
49,635
38,288
6,445
'4,497
23,847
6,525
17,895
O h i o ....
IT• v/.
•
ft*
;*
77• v
S • i/•
S. 0.
s. E.
33. C .
•11. E .
tt rt
i;. K* »
t? n
■
p ...
1 ill .
E. ««•••.
s,
Reproduced from the Unclassified / Declassified Holdings of the National Archives
13
Regional Bank - Cincinnati.
Eligible State Banks, - Of the State Banks in the
D is t r ic t , 1 ,239 are eligible for membership in the
Federal Reserve Bank system.
Their number, resources
and distribution among the States are shown in the follow
ing ta b le :
No.
Capital
in
1 0 00*s
Surplus
in
10 00*s
Deposits
in
1000* s
.strict . , 1 ,239
§101,302
f.37,782
§624,860
348
449
157
155
130
4 0 ,9 9 1
2 5 ,2 1 0
10 ,664
12 ,950
11 ,487
20,729
5 ,8 4 8
5 ,4 4 5
3 ,6 9 7
2 ,0 6 3
33 6,99 5
139,905
51,060
4 8 ,2 5 5
4 8 ,6 4 5
In d ia n a .•
W.Virginia
Kentucky..
Tennessee*
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
14
Credit Demand and Supply
B ills Payable and Re-discount. - Under date of June 14, 1912,
we find that the amount of b il l s payable and re-discounts of all
the banks in the proposed District was one-tenth of the
total of all the banks of the United S tates.
This shows
that the District has approximately it s.d u e proportion of
borrowing banks.
The fluctuation in the borrowing of the banks of the
D istrict throughout the year amounts to only $ 6 ,0 0 0 ,0 0 0
between the high and low p o in t s .
The chart and table
followii^^sliow these fluctuations in d e t a i l .
The figures
given are^taken from the Report of the United States Comp
troller of the Currency and the Report of the State Bank
ing Commissioners in the D istric t, except in the case of
Tennessee which publishes no annual report.
Seasonal Demand for Credit# - There is a demand for credit
throughout the proposed District in all seasons of the y e a r.
The importance of this factor in determining the organisation
of Districts has led to an effort to secure as wide in for
mation on this subject as is po ssible.
The following table shows the number and distribution
of the towns and banks represented in the replies received
to inquiries on this subject:
Banks and Towns Reporting Seasonal
Demand for C redit.
Banks
Towns
814
260
239
West Virgin ia
............ ,
42
183
90
The information secured has been tabulated so as to
show the relative demands (!) for the District as a whole,
(2) for the -States comprising the D i s t r ic t , (3) for the sev
eral sections of the United States and (4) for each of the
counties therein.
The facts given have been grouped to
vA
4vs\rvdf
v w ^v^Ck
^t
y u v u ^ . s,
■\^«_ AtAy
(k.Y V\<W_^>tc
*2>\\\s
<x ^ ^-^ssc^uv^
^__________________ V3v2___________________ ^
fA> V\4f f^fr V V y A»«xt ^*\y
_S^IT Ck -V
Reproduced from the Unclassified I Declassified Holdings of the National Archives
M
Aggregate Bills Payable and Re-discount
(000*3 omitted)
September 4, 1912
June 14, 1912
national Other
.U . .fcj.-.
Indiana •••••••
lest Virginia •
Kentucky .....
Tennessee .....
58,606
Total
#
#
71,881
#
#
7,312 13,203
10,244
7,194 17,438
4,421
131
557
810
835
688
429
851
1,143
2,132
2,737
160
361
903
1,730
1,028
483
851*
2,818
2,132*
3,765
643
1,212
3,721
3,862
4,846
306
182
1,756
3,154
1,028* 5,874
789
483*
915
733
2,818* 4,574
2,132* 5,286
51,447
5,109
560
1,408
1,953
2,967
Total
#
#
August 9, 1913
June► 4, 1913
[ational Other
72,906
#
Total
#
national Other
109,106
#
Total
#
6,687
6,687 13,374
5,815
5,774 11,589
7,612
5,417 13,029
1,777
399
194
1,041
3,276
1,028* 2,805
882
483*
927
733*
2,3X1 3,352
2,132* §,40S
1,532
369
235
1,200
2,479
1,028*
696
733*
1,185
2,132*
2,378
656
289
1,485
2,804
1,028*
339
733*
1,185*
2,132*
1ational Other
U • S • ............ 100,460
Ohio ........
Indxana .......
West Virginia .
#
Total
5,891
October 21, 1913
District ........
#
national Other
5,243 11,997
national Other
Ohio .........
Indiana .......
West Virginia •
Kentucky ......
Tennessee .....
82,374
Total
6,574
February 4, 1913
U. 3. ............
national Other
llovember 26, 1912
9,256
#
Total
&
7t
6,560 15,816
3,412 1,628 5,040
717 1,145
428
160
898 1,058
1,785 1,185* 2,970
3,471 2,132* 5,603
Tennessee .....
*Data unavailable, last report repeated
‘'lata not obtainable
2,560
1,065
968
2,385
4,611
3,406
995
1,022
2,670
4,936
Reproduced from the Unclassified I Declassified Holdings of the National Archives
(
Regional Bank - Cincinnati
^
show this demand in each of the four seasons; Spring,
Summer, Fall and Winter, and also in each month of the
year.
(See tables on following pages.)
(See Map Ho . (?
Seasonal Demand "by States; Map lo* 7 Seasonal Demand by
Sections; Map Ho. £ Seasonal Demand by Counties.)
Fall. - A study of the following table shows that the
number of banks reporting a demand in the Fall was the
largest in the District and in each of the States.
Spring. - The number reporting a Spring demand, how
ever, is but little less than that reporting a Fall de
mand, so far as shown by the number of banks reporting
it, was the second largest in all of the States except
Kentucky and Tennessee.
Winter. - Third in number and but little below that for
Spring are those banks reporting a demand in the Winter.
The demand for credit in the Winter season occupies second
place in Kentucky and Tennessee and third place in Ohio,
Kentucky and West Virginia.
Summer. - The demand in Summer, though reported by the
smallest number of banks, was still considerable in ex
tent in each of the several States.
Seasonal Demand for Credit
Banks
Spring
West Virginia ....
37
Summer
Fall
Winter
283
645
493
89
89
22
54
29
189
192
38
160
66
142
135
26
129
61
00
H
Seasonal Demand For Credit
Spring Summer
District ...... .......
Ohio ............ .
Indiana...........
West Virginia.....
KentuoJsy
Tennessee .........
FallWinter
Spring Summer
FallWinter
527
283
645
493
446
251
511
415
170
180
37
92
40
89
89
22
54
29
189
192
38
160
66
142
135
26
129
61
159
143
29
77
38
80
80
19
46
26
157
149
22
124
59
127
111
15
108
54
Apr. May. June
July
Aug. Sept* Oct.
Hov.
Dec,
481
518
363
133
132
31
130
55
150
148
30
133
57
114
86
21
95
47
Hov*
Dec,
(Banks)
Jan. Feh«
Mar.
District
260
232
407
369
315
194
170
173
387
£JLE
85
9
52
32
129
136
27
81
34
124
127
33
59
26
100
116
25
51
23
66
72
13
26
17
55
52
15
28
20
46
49
16
37
25
101
107
28
107
June
July
Aug. Sepfc« Oct.
Ohio
Ind.
WYa*
Ken.
2?enn.
71
71
15
60
43
c /t
A AX
T
(Towns)
Jan.
Feh.
Mar.
Apr«, May
District
237
216
360
322
275
175
153
155
329
391
416
310
Ohio •
Ind*
1. Va*
Ken*
Teen*
64
66
11
55
41
50
79
8
48
31
121
115
22
70
32
112
107
25
54
24
91
98
21
44
21
59
64
12
25
15
52
46
13
24
18
42
44
14
32
23
93
88
18
89
41
116
104
20
102
49
128
121
16
101
50
103
76
10
80
41
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Recapitulation - Demand for" Credit fry Months
Reproduced from the Unclassified I Declassified Holdings of the National Archives
SEASONAL DEMAED FOB CBEBIf- BABKS
Spring
Ho. .-...3 .
District
527
27.0
Ohio
3ST. W.
w . c.
s. w.
H. C.
c.
H. E.
E. C.
S. E.
178
23
27
42
5
28
6
19
6
Ind.
Stuamer
So.
fo
20
Fall
1 lo.
..j ° .
Winter
Ho.
%
283
14.5
645
33.1
493
25.4
29.9
30.3
24.1
26.1
62.532.5
33.3
54.3
26.1
89
9
16
26
0
12
5
4
5
14.9
11.8
14.3
16.1
0.
14.0
27.8
11.4
21.7
189
25
37
48
2
26
5
8
6
31.4
32.9
33.0
29.8
25.0
30.2
27.8
22.9
26.1
142
19
32
45
1
20
2
4
6
23.8
25.0
28.6
28.0
12.5
23.3
11.1
11. 4
26.1
180
30.2
89
14.9
192
32.2
135
22.7
0
41
37
16
59
27
0.
30.8
31.4
38. 7
32.1
24.1
0
18
18
6
36
11
0.
13*5
15.3
12.2
19.6
9.8
0
44
36
15
51
46
0.
33.1
30.5
30.6
27.7
41.1
0
30
27
12
38
28
0
22.6
22.8
24.5
20.6
25.0
I . Va.
37
30.1
22
17.9
38
30.9
26
21.1
I.
S.
E.
25
12
0
49.0
16.7
0.
7
15
0
13.7
20.8
0.
11
27
0
21. 6
37.5
0.
8
18
0
15.7
25.0
0.
Ky.
92
21.1
54
12.4
160
36.8
129
29.7
S. W.
0
5
11
2
39
5
1
23
2
4
0.
9.3
32.3
5.1
31.5
10.6
4.2
27.4
20.0
36.4
1
5
4
8
15
7
2
16
0
2
12.5
9.2
11.8
5.1
12.0
14.9
8.4
19.1
0.
18.2
4
25
9
19
39
21
10
27
4
2
50.0
46.3
26.5
48.8
31.5
44.7
41. 6
32.1
40.0
18.2
3
19
10
16
31
14
11
18.
4
3
37.5
35.2
29 .4
41.0
25.0
29.8
45.8
'21 #4
40.0
27.2
40
20.4
29
14.8
66
33.7
61
31.1
1
1
10
9
4
7
50.0
50.0
22.7
28.1
17.4
21.9
9.7
20.0
1
0
5
5
5
2
7
4
50.0
0
11.4
15.6
21.7
6.3
17.1
20.0
0
-0
14
11
5
12
16
8
0.
0
31.8
34.4
21.7
37.5
0
1
15
7
9
11
14
4
0;
50.0
34.1
21.9
39.2
34.3
34 .2
20.0
H. w.
w. c.
S. TSf.
I. E. i:
E. C.
C
ji
***
OS• T
JE
w.
I.
s.
I.
E.
S.
w. c.
w. c.
E. c*
0.
B. o.
1ST. E •
E.
S. E.
Tern#
B. W.
S. w.
H. W. (1^
s . w. (t^
I.E. <!.
S. E. <1#
E.
1. E.
4
4
39.0
40.0
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati*
21
Area and Population
Area* - The five States mentioned, Ohio, Indiana, West
"Virginia, Kentucky and Tennessee, together have an area
of 184,184 square miles.
Area
sq* mi*
District............... 184,184
Ohio ............... .41,040
Indiana ........... .. 36,554
West Virginia........24*170
Kentucky ............ .40,598
Tennessee ...........42,022
They compromise the principal portion of what is commonly
known as the Ohio Valley. To the north of this section lies the
Lake Region; to the east, the Appalachain Mountain System; to
the South, the Appalachain Mountain System and the Gulf Region;
to the v/est, the Mississippi Basin. Topographically, as well
as in other respects, this area constitutes a natural unit.
Population.- The population of these five States according
to the last Census was, 13,164,000, 14.3/S (somewhat more than
l/8) of the total population of Continental United States
excluding Alaska. (See chart on following page.)
Population
Total
U. S............ 91,972,266
District ........ 13,163,810
% of U. S..
100
14.3
Ohio
4,767,121
Indiana
2,700,876
West Vriginia 1,221,119
Kentucky
2,289,905
Tennessee
2,184,789
Reference to the map giving the distribution of popula
tion throughout the United States shows that approximately
90 fo of the people are to he found east of the 100th meridian.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
22
D is tr ic t P o p u la tio n
e= - s
— Th e :
. i—
I ini
T
h
e
io
' T o - r / < i _ P o p u u _ /= v -r i o
Uie.®A*M popuu/S'rioN
N u h b e e . o
Po
r o
- r i c s
p u l a t io n
. U
*5 t a t i > s t i c u s
m
r
t
o
S
t
a
t
e
s
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
23
Of tliis densely settled area, the proposed District
forms -the central portion.
Within it are to be found the
Center of Population of the United States (more properly
designated the Center of Gravity of Population) and also
the Median Point, that is , the point of intersection of
a north and south line with an east and west line dividing
the population into four equal parts.
(See map on follow
ing page showing Density of Population by Counties.)
Density of Population. - Taking the d istrict as a whole
the density of population was 72 per square mile (U . 3.
3 0 . 9 ) , the several States varying from a minimum of 5 0 .8
in West V irgin ia to 117 in Ohio.
Density of Population
per
sq .m i.
U . . S ...................... ........................
3 0 .9
District
72 .1
.................. . .................
Ohio ........................................ 1 1 7 .0
Indi ana............ ........... . .........
7 4 .9
West Virginia ......................
5 0 .8
Kentucky ............................ .. •
5 7 .0
Tennessee ..............................
5 2 .4
(See Map l o . f Population per square mile - Cities and Towns.)
Urban Population. * Of the population of the D istric t,
5,033,707 (38fo) f live in cities and towns.
This comprises
1 1 .8 ^ of the total urban population of the United States.
Urban Population
df
District
Indiana ........
West Virginia
Kentucky . . . .
Tennessee . . .
5 ,0 3 3 ,7 0 7
3 8 .2
2 ,6 6 5 ,1 4 3
1 ,1 4 3 ,8 3 5
228,242
555,442
44 1,04 5
5 5 .9
4 2 .4
1 8 .7
2 4 .2
2 0 .2
Urban
Pop. of
100
M
U. 3 ...................... 4 2 ,6 2 3 ,3 8 3
To tal
Pop.
4 6 .3
•
CD
Population
d
pf
Reproduced from the Unclassified I Declassified Holdings of the National Archives
-St*
02
POPULATION PEE SQUARE MILE, BY COUNTIES: 1910.
<
.;.~-x
Ksggs
.
■
.v
f
eKsv*X?
Cv
’i
POPULATION
PEE SQUARE MILE.
Less than 2
2 to 6
6 to 18
18 to 45
45 to 90
90 and over.
fl
<9
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
25
The cities and towns number 320 or 13.3$ of the total
number in the United States,
Their size varies from a
minimum of 2,500 to over 500,000.
(See Map No.^
Population per square mile - Cities and Towns.)
Cities and Towns
o
o
o oo
IO-PO
*s
*
03 to
o
o o
o o
o
o o o o o o o oo
O•*-P O%O*-P
O
O
-P
O
■ •» «
•*
to o o
LOto o
iHiH 02 03 o
iH
If 172
629
372
179
31
19
320
145
95
51
20
7
2
45
26
6
12
6
23
19
4
4
1
9
4
3
1
2
88
25
56
38
13
20
18
-
-
oj
+3
o
U. S• * . • • » . . « » • • • .2,402
District ........
Ohio ........
Indiana ......
West Virginia,.
Kentucky......
Tennessee ....
2
O o o
O o o ©o
0+3
>o
•* 0•» o
*
o
0,0 0
o
to < to
H 03 03
3
1
2
2
—
.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank
Cincinnati
Agriculture, Mining and Manufactures
‘
Among the most important factors determining the finan
cial needs of any people are their agricultural, mineral
and manufacturing resources.
Detailed information con~
cerning these classes of resources in the five States men
tioned is given, in order to emphasize their extent and
diversification.
(See Appendix for Tables giving detailed statistics.)
Agriculture
Soils. - Eight classes of soils (See Map No./*> Soils) are
recognized in the Survey undertaken by the United States
with a view to enabling the farmers, investors, bankers
and railway officials to act intelligently in respect to
the interests entrusted to them.
Of these eight differ
ent kinds of soils, all are found here, the predominant
ones consisting of fertile loams.
Especially noteworthy in this connection is the Blue
Grass Region of Kentucky, extending 100 miles from east
to west and 125 miles from north to south, often called
the Garden Spot of the country. Similar in general char
acter is the Central Basin of Tennessee and the Eastern
Valley of that State between the Blue Ridge Mountains and
the Allegheny Mountain Plateau.
General Farm Statistics. *
The main facts with respect
to the agriculture of the proposed District are shown in
the following condensed tables (See Map No.//Agriculture).
It will be noted that in rural population, number of farms,
improved land and values of the various kinds of farm prop
erty, this section contains approximately 1/8 of all in the
ujnited States (See Chart on page <2*2).
Reproduced from the Unclassified I Declassified Holdings of the National Archives
^
Regional Bank - Cincinnati
General Farm Statistics
District
In
1,000*8
Rural Population .... 8,127
dumber of farms .... 1,088
Acres in farms ...... 97,660
Improved acres ..... 66,923
% of
U. S.
16.5
17.1
11.1
13.9
%
61.8
Cf.U.S
53.7
83.6 46.2
68.5 54.4
(See Maps on following pages showing ‘
Rural Population
per sq.Mi. and per cent of land Area in Farms.) (See
Map lo ./^Improved land In Farms.)
Value of Farm Property
In
fo of
1,0001s U. S.
Yalue
"
"
«
n
of faun property ..$5,412,884
"
«
l a n d ..... 3,677,044
"
"
buildings .
952,651
" improv.and mach.
141,363
" live s t o c k ....
642,720
13.2
12.9
15.0
11.1
13.0
Average Yalue per Farm
U. 3................
#6,444
4,975
Indiana ...... ..
West Virginia ...
6,994
8,396
3,255
2,986
2,490
Size of Farms. - Moreover, it is in the main a region of
small farms, the average size being about 90 acres (U.S.
138), over 65$ (U.S. 58$) being under loo acres.
RURAL POPULATION PER SQUARE MILE, BY COUNTIES: 1910.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
00
01
03
PER CENT LAND IN FARMS FORMED OF TOTAL LAND AREA, BY COUNTIES: 1910.
□
Less than 20 per cent.
EZ3
20 to 40 per cent.
fc&S&j
60 to 80 per cent.
40 to 60 per cent
80 to 90 per cent.
90 to 95 per cent.
95 per cent and over.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
OJ
m m m
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Farm Ownership. - It is also a region in which the inde
pendent farmer predominates.
Over 67$ of the total farms
are operated directly by their owners (U.S. 62.1$).
> (See Map lo./^Farm Tenure.)
Owner Operators
U. S...................... 62.1$
District ................ ..67.1
Ohio ................. 70.6
Indiana ................68.9
West Virginia ......... 78.6
Kentucky •••••••.......67.2
Tennessee ............ ..58.6
Value of Farm Products. - Atthe time of the last Census,
the total value of farm products in the five States which
it is proposed to unite into a Federal Reserve Bank Dis
trict was over $1,500,000,000, representing 13.4$ of the
value of the farm products of the entire United States.
Value of Farm Products
U. s : . i i ................................# 1 1 ,5 8 3 ,4 1 4 ,0 0 0
District ...........
Ohio ............................
Indiana .........
West Virginia ....
Kentucky .........
Tennessee ..... .
1,548,4 2 5 ,0 0 0
fo of U.S.
1 3 .4
4 9 6 ,0 2 5 ,0 0 0
422,282,000
95,462,000
281,031,000
253,625,000
Leading Farm Products. - Within the District are to he
found all of the leading farm products.
In the case of
most of them, as may he seen from the accompanying table,
the District produces 1/8 or more of the total in the
United States.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
31
Leading Farm Products
In 1000*8
Quantity
Live stock
Cattle
no.
Horses, mules, etc •nO.
Hogs
no.
no.
Sheep
Dairy products
Wool
lbs.
Eggs
dzs.
no.
Fowls
Farm crops
bu.
Corn
Wheat
bu.
bu.
Oats
Hay
tons
bu.
Potatoes
Other vegetables
bu.
Orohard fruits
Tobacco
lbs.
5,816
3,326
9,924
8,313
35,066
287,159
88,705
521,158
82,428
117,052
10,004
41,356
32,068
591,585
Value
$642,720
153,035
366,324
61,518
32,831
70,306
10,562
53,571
36,664
734,602
288,940
83,128
46,646
97,657
19,987
38,715
20,407
68,598
fo of
value
U.S.
13.0
10.2
13.9
15.4
14.1
11.8
16.1
17.5
18.1
13.4
20.1
12.6
11.2
11.9
12.0
17.9
14.4
65.8
(See Chart on following page.)
These products, as will be seen from the accompanying map
(See Map Io.^3 Farm Products by Sections), are widely distributed
throughout the District (See Series of Maps Bo./V1 - a, b, c,
d, e, f, g, h, 1, k , 1, m, leading farm Products)*
Numerous other crops, such as barley, rye, buckwheat, beans,
peas, flaxseed, grass seed, sorghum cane, sugar beets, etc.,
are to be found here.
Worthy of note in this connection, too,
is the cotton crop.
Although constituting a relatively
small part of the total output of the United States, the
cotton crop of Tennessee in 1909 was valued at nearly $18,000,000.
Mining
Among the most important enterprises of the District are the
mining industries, especially those of coal, oil and natural
gas.
According to the Census of 1910, the capital invested
in these industries, in the District, was over $500,000,000,
nearly 15$ of the total in the United States, the cotton crop
Reproduced from the Unclassified I Declassified Holdings of the National Archives
*7 O
A g r ic u l t u r a l .s t a t i s t i c s
d is t r ic t
P e : r . o e l n t a \ g 1e i s
< z> f~
T h e : 'T o ~ t '/^ l_
io
NoMBErie. or F“A^MS
AeR.Er ^
Ic
m F
“A. p
s
.M s
Im p r o v e t d
V/vi_uer or\P
R
. O
P
E
R
. ' t
V
FA.te.cM L_A^r>i«3
B u
» l _ d i ? > j «3| c s
,
FKK.M h P L C M E N T
F a r m
L
i v e
:
F’ r . o d u
S
t
- o
c
3
c t
?
S M/KCH Y
s
^ k
C-JK-K—ru-d
Horses
»*\ul_ei.
3
5w lM e;
S HEEZ F3
DAv|R.Y PRODOCT S
>
Vs/ o o i—,
O T H E I R . N/
T o
^ / K cz.
c^o
O ^ .C .t- 4/v.ieLO
PRODOi
2.0
In
>'~t~etld
"3>cs
-S tA s T e is
-5~0
CO
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
while the value of product was over $186,000,000, 15.1$ of
the total in the Country (Map H o • / S ’ Mining).
Mining
District
€ of
U.S.
Capital .............. #501,164,000
Yalue of product ....... 186,782,000
14.9
15.1
leading Mineral Products. - The quantity produced and values
of the leading mineral products, bituminous coal, natural gas
$nd petroleum, are showra in the following table ( See Chart on
following page):
Mining Products
(In 1000*s, except cu.ft. of natural Gas in l,000,000fs)
Quantity
124,933
Bituminous Coal ... tons
Natural Gas ....... cu.ft . 262,204
20,779
*
Value
$ of
U.S.
#121,635
49,419
23,805
27.0
66.7
17.8
In addition to these, the District produced 18.2$ of the
total value of stone in the United States, 22.1% of the value
of sand and gravel, 13.2$ of the value of cement, SO:.2$ of
the value of lime and 15.5$ of the value of clay.
Coal. - The coal area of the District amounted to 57,230 square
miles, 18.4$ of the entire coal area of the United States
(See Map Io./6 Coal Regions).This constitutes nearly 1/3 (31.1$)
of the total land area of the District.
The probable magnitude of the future development of the coal
industry here may be inferred from the fact that the available
supply of coal in the District in 1911 was estimated to be
407,247,000,000 tons (See MIUERAL RESOURCES OF THE UNITED
STATES, 1911, pp. 30 et. seq.).
ITa-frural Gas and Oil. - By far the most important natural gas and
oil areas in the United States are to be found within this
Reproduced from the Unclassified I Declassified Holdings of the National Archives
V/ 'k
D i -s t r i c t M i n e r a l R E ^ o m c r a S t a t i s t i c s
P E H 5 . c . E Z N ^ r A v < i 1E i 3
~ T 'o ~ r /x .i__ I n
t h e
>o ȣ/zl
V a i — u
Or~ M
EZ
\N
h m c'j
P
r o
d
u
c
t s
d.AvP’i'T-/K\_ EmpuoVE-D
C-OM-
V As_l_U tz. O F -', -B
i t
u
m
i n
o
u
s
C o
m
. P
r
o
d
o
c
c
d
:
2.0
U K i 'r c t D
3
<
=
>
6
t a v ~t e i 3
*t-o
SO
40
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank - Cincinnati
District (See Map U0 . / 7 Gas and Oil Regions).
Two main
fields for the production of these commodities appear in
these States; one, the Appalachian, lies in West Virginia,
Southeastern Ohio and Western Kentucky; the other, the limaIndiana field, is found in northwestern Ohio and Eastern
Indiana.
Of natural gas, the District produced in 1911
2/3 (66.7$ of the total output in the United States.
Manufactures
General Statistics. - The manufactures within the District
are likewise hoth extensive and varied.
Of the 257 separate
industries recognized by the Census of 1910, 231 (90fo ) are
found in this District.
In 70 of these, the District sup
plied over 1 / 8 of the total product.
,
forty-eight industries were reported in 1910 as having an
output of over $100,000,000 each.
The District contributed to
47 of these and produced over 1/8 in 19 of them.
likewise,
in number of establishments, persons engaged in industry,
primary horse-power, capital, wages, value of product and
values added by manufacture, the District is represented by
1/8 or more of all in the United States (See Chart on follow
ing page) (See Map llo./£* Manufactures).
Manufactures - Summary
fo of
District
lumber of establishments...
35,068
979,462
2,906,529
$2,301,076,000
430,101,000
Value of product
2,582,932,000
Value added by manufacture. 1,115,682,000
U.S.
13.1
1 2 .8
15.5
12.5
1 2 .6
12.5
13.1
thirty-nine of the forty-eight leading industries re
ferred to reported a product in this District of over
|lp,000,000.
The most important of these are the following:
Reproduced from the Unclassified I Declassified Holdings of the National Archives
D i s t r i c t Ma n u f a c t u r i n g
^S t a t i s t i c s
•4-0
Nu m b e r , o r
Cs ^
Pe r - s o n s
E
:r>»
b l is h m c n t s
C1.0
PT^. i m a r -v
d
A ,P n - /\i_
Va,i_ue : o r A l l
F’ts- o do <o~r s
V /\ uue: Ad dez d
13v
H/^NorAC-TuRE:
Valuez. o r ' , —
A<^ ^.ic^oLrrur^Ai—
. Impl.etme:im-t--S
^ T O M O B IU C S
BK-CAvD
<
&
.
eZ-FZ-V
PfeO D O CTS
F3(e. 6Z,-SETFZ-W) M«=,
dA»N N IIM cs,
nz_ e>
WAvCi,ON5>
C ^ s i R E T P A ii e s ,B v s te a m R a ii-R o a .d s
C/\.ies, 5TEAM K.^XNo'tOF’ezw.attioi^K.PCo.^
<^-of_f'e:e- X-
^5f=’ic.e=.js»
d o tM.J=-E=_«C_~r-(O N E R y
C O P P E ^ T in S, 5H ETEl~r IRON Pre.oOOC-.-rs
E T i_ e :<c . t ’ t e _ i
M a .<c _ H * V
F
~I—C Z 2 U F
S
_ M lU l— P R O D U C T S
F'-C’O O
PR .E rP /K E -A C riO N s
Foui^ip>je.v S . M a c h . S h o p P ' ^ o d .
FUR.HI'TUR.E: 'S, ie.E:r=rrs.»«lEne.^s.--ro^,<»
BLA.5T rORLNA.C.E:
R^1_L_MV1
MIL-L_
'H
PR.OD UC-TS
P r o d u c t s
OODi
H et i5_rn\N r^EiD &*lo*e,re». i ec d
L_i <
s
acjo se.s, M a. l _ t
l_t < ? u o e s ,
D is tiu le td
L-UM B
EZF5L- X, T IM B E .R M a r .5 le :
J15T O N C .
F’AlT"! ~T S- V A,TC_N
»I * tS
PAP’Ei^-
PAt
e tin t
P R .IN T I
K-UBBETR.
S
oa
To ^
W o o d
Me
d ic
P u u p
-i i s
PuBUI SHING,
<^O oDS
F»
a
^
c o
es
Ma
n u
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
37
Yalue of Product of Leading Manufactures
1 Iron and Steel Works
and Rolling Mills ........... $266,646,000
2 Foundry and Machine Shop .......
207,890,000
3 Flour and Grist Mills ..........
147,765,000
4 Lumber and Timber ...............
138,328,000
5 Slaughtering and Meat
Packing.....................
110,482,000
90,237,000
6 Liquors - Distilled ..........
7 Iron and Steel Blast
Furnaces •••••••«............
88,352,000
8 Printing and Publishing ........
71,362,000
9 Cars and General Shop
Repairs by Steam Rail
road Companies .............
65,863,000
10 Automobiles, incl. Bodies
and parts ..................
62,603,000
11 Rubber Goods, n. e. s..........
58,224,000
12 Carriages and Wagons and
52,460,000
Materials ..................
13 Tobacco Manufactures ..........
51,660,000
14 Menfs Clothing ...............
43,780,000
15 Liquors - Malt ................
42,909,000
40,919,000
16 Bread and Bakery Products .....
17 Furniture and Refrig...........
40,660,000
18 Boots and Shoes ............. .
36,958,000
31,661,000
19 Leather, Tanned, etc..........
20 Copper, Tin and Sheet
Iron........................
30,472,000
21 Agricultural Implements........
29,114,000
22 Electrical Machinery, etc......
26,724,000
23 Paper and Wood Pulp............
24,819,000
24 Women*s Clothing
22,323,000
(See Chart on following page.)
Distribution of Industries. - Some of the industries, such,
as those connected with farming, are of importance in prac
tically all sections of the District, while others, such as
mining and manufactures, are more centralized; the location
Of the former (mining being determined by the distribution;
cif mineral resources, while the latter (manufactures) are
jfdund principally in the large cities and their immediate
Environment.
Even the mining and manufacturing interests.how
ever , are of large importance in each of the States mentioned.
St*A AVtA VoWvA^ vwA\i
f"OOY\^vy * VASk^VvW^ ^vo^S
Y\oO V- *-
YjjwvVev' ^ A\w\<_tr'
SHv^Wiv'VA.^ ^ VAe^-tacWxv^
K'^viors,
%\jjc V\^C£S
T v \v O (\v \^
XL
^ *\? \v S.V\ VVd^
C'tts, oc t'«^ai\rr \y i(tMw.-K'**lr£>\<L
\a\'*^‘,V^0W *.pA-4
"Ru-Voer a^oe^s
CxrrvA^cs *•v<te^o*\s
io^vf.ars, YvyaX^
"^rei-X «cWv<**y ^ro^i'Cs
V^Wv^e. * Ve^fv^vxWs
^oo^s •£ sV»e5
V«-^0w,
<?£
K sW-<\ V\^K f^>irc
A^'1C.'A^r'A VV^IfV^wctvAs
C\«-tXvlc.A V^AAc-Vv'^evy'
Cv><v^, *
c ^<-«u
t £ 5>
2£o
Reproduced from the Unclassified / Declassified Holdings of the National Archives
TY^awufacluv'i'ng
vl&Xue of fro'Wc^v/Xvv W\vVV\ov\s o$ doA&rs
~l<?
'••
Itia
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
39
Varying Degrees of Development. - The several sections
of the five States present varying degrees of develop
ment, - a fact which lends importance to the proposition
to combine them into one Regional Bank Distriot, thereby
bringing into close relation the more highly developed
areas and those less developed, to the mutual advantage
of both.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati.
40
Railroads
Through its railroads and rivers, the District
is well provided with facilities for transportation
and communication.
According to the Interstate Com
merce Commission's Report of 1911, the five States
contained over 27,000 miles of railroad.
This was 11.3$
of the total railroad mileage in the United States.
Railroads
Miles per
% of
Miles
u.s........
244,180
District,...
27,638
Ohio.•*.*».
Indiana....
W.Virginia.
Kentucky ..
Tennessee..
U.S.
11.3
9,128
7,447
3,575
3,607
3,881
100
sq.mi.
10,000
inhab.
8.2
26.1
15.0
21.0
22.4
20.7
14.9
9.0
9.3
18.9
27.4
28.7
15.7
17.6
(See Map N o . R a i l r o a d s . )
The United States Government is now engaged in erect
ing h series of locks and dams in the Ohio River which,
when completed, will insure a nine-foot stage of water the
year round.
Facilities for water transportation are af
forded also by some of the more important tributaries of
the )hio River.
j
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional
41
Cincinnati.
Cincinnati
Location.- Geographically, Cincinnati lies nearest the
center of the proposed District, midway between the most
highly developed portions and those less developed, thus
enabling it to bring these sections into relation with each
other.
It is situated near the center of population of
the United States.
Population.- Cincinnati as an urban center includes the
following political units and their immediate environment
which taken together constitutes the Metropolitan district
of Cincinnati, as recognized by the United States Census:
Cincinnati, Ohio,
Horwood,
"
St. Bernard, "
Covington, Kentucky,
Hewport,
n
Dayton,
n
Bellevue,
"
{See Map Ho . J Z O
Main Portions of Metropolitan District.)
The Population of this Metropolitan district, according
to the last Census, was 563,804.
The Ohio River, which
separates the Ohio and Kentucky portions of this industrial
city, is less than l/B mile wide and is crossed by five bridges.
The street car lines from the Kentucky side, with few exceptions,
run to the heart of Cincinnati, constituting practically a
part of the city's traction system.
Uight and morning a large
portion of the population from the Kentucky cities mentioned,
as from the suburban portion of corporate Cincinnati, come to
the city where their business affairs are transacted,
Prom
a business standpoint, the communities mentioned constitute
one city.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
42
Industries.- The manufaptures of Industrial Cincinnati,
according to the last Census, are represented by 2,827 estab
lishments; 95,571 persons engaged; a capital of $212,555,000
aid a product valued at §264,000,000, of which $121,292,000
represented value added by manufacture. Thirty industries were
reported in 1910 with an output of over $1,000,000 each. (See
following pages for table giving detailed statistics concerning
these industries.)
Trade Relations._ The Commerce of Cincinnati reaches every
State in this country and all the leading foreign markets.
Intimate trade relations exist between the City and all portions
of the proposed District, as is shown by the following statistics
of the distribution of trade.
Information on this subject was furnished by 98 firms of
various sizes, represneting 38 different industries.
Their
total sales v/ithin the District for the year 1913 amounted to
f.70,052,ooo.
This was distributed among the five States of
|he proposed District as follows:
O h i o .........|36,572,000
Indiana ....... 9,776,000
West Virginia,. 4,727,000
Kentucky ..... 10,422,000
Tennessee .... 6,555,000
Sales amounting to $9,512,000 were reported also in the States
of Alabama, Georgia and Mississippi.
Alabama........f.3,405,000
Georgia......
4,078,000
Mississippi...
2,109,000
Detailed information was secured showing the distribution by
cities of $27,564,000 of the sales in the District, outside
of Cincinnati. (See Map No.^2/Sectional Trade Distribution). On
a following page will be found a table giving this distribution
by sections, together with the population of each. (See appendix
for tables showing this trade by cities grouped in sections.)
Packags Car Shipments*- The general trend of trade between
Cincinnati and the various parts of the District is shown by
the distribution of package car shipments. The total volume
of these shipments for the month of October,1913,was 144,318,000
pounds. This was distributed among the States of the proposed
District as follows:
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Ohio .......... 59,018,000
Indiana .....*23, <705,000
West Virginia,..10,515,000
Kentucky...... 34#807,000
Tennessee.... .16,172,000
A table follows giving the distribution of these shipments
by sections in each state. (See appendix for tables showing
these shipments by "Break-bulk" points grouped in sections.)
[
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional
44
Cincinnati.
Industries of the Cincinnati Metropolitan District - 1909
Ho.of Persons Capital Value
Value
estab^
in of
added by
lishments engaged1 0 0 0 *s products
manuf.
in1 0 0 0 *s in 1 0 0 0 ’s
All industries .........
Foundry and machine-ship
products ........
Slaughtering and meat
packing ............
Menrs clothing .........
Boots and shoes ........
Printing and publishing .
Liquors, malt ..... ....
Liquors, distilled ......
Carriages and wagons and
materials ...........
Lumber and timber products
Bread and other bakery
products ............
Furniture and refrigerators
Tobacco manufactures ....
Leather, tanned, flurried
and finished ........
Copper, tin and sheetiron products .......
Paint and varnish ......
Clothing, women!s .......
Stoves and furnaces, etc.
Coffee and soice, roasting
and grinding •••••••••
Confectionery..........
Cars and general shop con
struction and repairs
by steam R.R. companies
Ink, printing..........
Musical instruments and
materials..........
Fertilizers ............
Flour mill and grist
mill products.......
Leather goods ..........
Safes and vaults .......
Patent medicines and com
pounds and druggists*
preparations ........
Cooperate and wooden goods
Bags, pSjiper ............
Br%ss aid bronze products
All oth^r industries ....
2,82795,571 $212,555 #260,399 $121,292
238
13,716
29,542
26,186
15,059
61
301
32
318
26
4
1,400
8,492
8,702
6,806
2,371
300
4,701
10,421
7,656
13,183
17,929
2,833
19,922
17,646
14,998
13,998
11,016
8,744
2,425
8,936
6,415
9,778
8,360
6,920
99
80
3,370
2,809
6,020
8,398
8,157
7,401
3,789
3,055
264
63
300
2,017
3,059
3,462
2,865
4,953
3,009
5,691
5,646
5,496
2,296
3,307
3,075
13
1,043
9,503
5,058
1,381
65
24
26
15
1,390
636
1,541
1,092
2,652
4,026
1,229
2,150
4,470
3,879
2,912
2,324
1,500
1,394
1,399
1,311
8
22
356
922
7
7
1,747
273
7
5
11
19
5
2,110
2,029
514
807
1,651
1,545
1,969
1,884
1,171
1,090
760
442
1,184
1,551
1,752
1,675
672
671
124
664
703
570
1,500
1,156
1,635
1,518
1,401
203
719
771
55
542
20
697
5
358
16
650
711 19,367
1,083
970
1,004
1,293
776
1,445
1,232
466
673
1,088
358
1,319
1,069
626
65,82076,186
32,036
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Begional Bank,
Cincinnati.
{In order to avoid disclosure of individual operations, the
figures for certain important establishments, notably for the
manufacture of soap, are Included under the head of 'All other
industries*.
The output of these soap factories is estimated
from $80,000,000 annually, upwards.)
*£>
Trade Distribution
By sections
Sales
in 1000*8
Population
in 1000*s
#11,989
4,767
721
1,403
3,005
510
1,333
1,200
3,045
451
320
428
410
851
374
502
313
1,303
382
204
5,336
2,701
lorthwest .....
lest-Central
Southwest •••••.
northeast ......
East—Central ...
Southeast ......
526
636
511
431
2,275
958
407
390
462
395
759
288
West Virginia ..•.
1,822
1,221
582
1,223
17
602
518
100
hio ••••••••••
Northwest ... •••
West-Central •*•
Southwest ... #••
Horth-Central ••
•#•
Central
South-Central ••
Northeast ... ••#
East-Central •••
Southeast ... •#•
Indiana
*Less than #500
Population
Sales
in 1000fs
in 1000*s
Kentucky ••••••»••••< . #5,723
lorth West-Central • 1,242
102
South West-Central
lorth East-Central . 2,413
South East-Central
lorth
South
lorth
South
West-Central
West-Central
East-Central
East-Central
11
.
.
.
.
2,290
152
305
424
188
299
213
159
207
167
191
2,693
2,185
*
996
649
55
20
465
423
86
239
410
399
188
193
241
333
182
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Regional Bank - Cincinnati.
5
Package Car SMpments.
Ootober 1915.
By Sections.
Ohio
Pounds.
Total• • • • • • • • • • . 5 9 .0 1 8 .3 0 2
U orthv/e st • • • • • • • • •
West-Central.• • • • «
Southwest.. ............
lorth-Central........
C entral*..................
Soutn-Cencral.• . . .
2 8 2 2,05 4
. 6 865 01E
. 2 3 ,3 6 1 ,5 8 5
. 1 ,9 9 7 ,8 2 7
.
8 ,0 6 6 ,4 0 8
.
8 ,0 5 2 ,7 2 3
.
6 ,3 5 0 ,0 1 5
East-Central.• • • • .
3 2 9 .7 3 0
Southeast
. 1 .1 7 2 .9 0 0
Kentuokv. Total• • • • • * • • « • » «
Southwest
West............................ .......
Horth West-Central.. . . . .
South West- C e n t r a l .. . . .
north last-Central..........
Last- Central.. . . . . . . . . . .
South Ea st-Central..........
Ifortheast
East
Pounds.
3 4 ,9 0 7 ,0 3 5
-178 100
275 521
7 ,0 9 0 ,0 8 7
3 4 7 ,5 7 2
9 ,6 9 3 ,2 5 7
8,765,33.7
57 1,55 5
5 553 226
263 206
2 ,1 6 9 ,1 7 4
Indiana, T o t a l . . . . . . . . 2 3 ,7 0 4 ,7 9 6
1 6 ,1 7 2 ,2 0 1
West-Central*
Southwest................
Northeast................
Bast-Central..........
Southeast.............. .
.
.
.
.
69 6,847
1 ,2 9 3 ,4 6 4
2 ,6 0 7 ,1 7 7
2,17© ,046
9 ,3 6 7 ,8 1 4
7 ,5 6 9 ,4 4 8
West V i r g i n i a ,T o t a l .. . 1 0 ,5 1 5 ,2 1 2
n o r t h ....................... .
.
2 ,8 3 4 ,1 9 2
7 ,6 8 1 ,0 2 0
northwest............................
S outhwe s t . . . . ....................
South East-Central..........
East• • • • * . . . . . . .
4 ,5 1 9 ,4 7 2
2 ,7 3 3 ,2 0 2
22 8,290
3 ,9 8 9 ,6 2 9
3 900 054
80 1,554
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati.
40
Banking
Resources* - The City of Cincinnati, according to the
1913 Bank Directory, has 42 banks with a capital and
surplus of $30,096,000, and deposits amounting to
$135,190,000*
Of the 42 betnks, 11 are national banks,
with a capital and surplus of $19,968,000 and deposits
amounting to $74,799,000.
The following table shows the
banking resources of the Metropolitan district of Cincinnati
and of the corporate City:
Cincinnati
Metropolitan
District
National Banks
Number............... .
Capital and Surplus.......
Deposits ................
11
19,968,000
74,799,000
26
22,725,000
86,680,000
Other Banks
Number ..................
Capital and Surplus .......
Deposits ................
31
10,128,000
60,391,000
46
10,896,000
64,793,000
All Banks
Number ...................
Capital and Surplus.......
Deposits.................
42
30,096,000
135,190,000
72
33,621,000
151,473,000
Principal Correspondent Relations. - That Cincinnati is the
logical place for the location of a Reserve Bank to serve the
States of Ohio, Indiana, West Virginia, Kentucky and Tennessee,
is shown by the correspondent relations existing in those
States (See Map No.
Principal Sectional Correspondent Rela
tions).
The principal correspondent relations existing with
in the proposed District, as^shown by a Banking Directory of
1913, was as follows:
(See^Map No . £ 3 - Cincinnati Bank Ac
counts. )
Reproduced from the Unclassified I Declassified Holdings of the National Archives
^
Regional Bank - Cincinnati.
No. of Counties
Banks Represented
Cincinnati ......... Total
In
In
In
In
In
O h i o .........
Indiana.... .
West Virginia..
Kentucky......
Tennessee .....
Louisville.......... Total
In Kentucky.....
In Indiana......
In Tennessee.....
Indianapolis........
Total
In Indiana.......
Cleveland..........
Total
In Ohio .........
In Indiana .......
Nashville .........
Total
In Tennessee....
In Kentucky.....
Columbus...........
In Ohio..........
Total
877
225
338
173
43
286
37
60
51
15
78
21
506
145
422
47
37
109
16
20
480
83
480
83
444
76
437
7
72
6
274
74
254
20
62
12
130
36
130
36
Ajloaning Center. The direct service to the banks in
tie District is shown by the re-discounts from month to
m:mth for the year 1913, taken from figures furnished by
six National banks.
These show that the borrowing was
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank ~ Cinoinnati
heaviest in October, November and December, but there was
a difference of only $1,500,000, between the maximum and
minimum at any time during the year.
In the Comptroller's Report for April 1912, re-dis
counts are shown in Cincinnati for nearly $2,000,000*
About $1,700,000 of this amount was for the Second National
Bank, which at that time was being directed by the Clearing
House Members.
It was reorganized in August and placed in
the hands of new officers with $1,000,000 new capital.
The country Banks in the District had outstanding in
loans in Cincinnati an average of $5,000,000, a month, dur
ing the year 1913, the amount of fluctuation being $1,800,000
between the high and low points. This was in addition to
such loans as were made here by country bankers independent
of their Cincinnati national bank correspondents.
That the community of which Cincinnati is a center be
longs to the loaning sections of the proposed District is
shown by the fact that the loans held for country banks in
1913, by 3ix of the City!s National Banks, exceeded the
loans owing by country banks, on the average by over $3,000,000
per month. (See table and chart on following pages*)
(See
Map No.<2^Country Bank Loans in Cincinnati in 1913.)
Shipments of Currency* - One element of importance in the
service rendered by National banks is the shipment of cur
rency to their correspondents*
The following table shows the extent of these ship
ments by the National banks of Cincinnati in 1913:
Total
$39,105,349
January *
February.
March*...
April....
May.....
June....
July.
August**.
September
October.*
November*
December.
3,848,305
3,192,315
3,300,410
3,796,143
3,700,871
3,978,950
3,475,850
2,870,806
3,995,600
4.859.050
3,135,300
3.953.050
Reproduced from the Unclassified I Declassified Holdings of the National Archives
51
LOANS TO AID FOR COOTTRY BASKS
Months
To
For
Excess of For
Jan.
$ 2,681,000
$ 5,301,814
# 2,620,814
Feh.
1,761,733
5,246,075
4,484,342
Mar.
1, 147,100
6,079,494
4,932,394
Apr.
1,953,500
5,954,194
4,000,694
May
1,796,000
5,500,095
3,704,095
June
1,985,300
5,415,595
3,430,295
July
1,881,600
5,369,605
3,488,005
Aug.
2,101,400
5,179,210
3,077,810
Sept.
2,409,300
5,229,510
2,820,210
Oct.
2,691,600
5,119,150
2,427,550
lov.
2,791,442
4,856,005
2,064,563
Dec.
2,724,561
4,863,690
2,139,129
TOTAL
25,924,536
64,114,437
39,189,901
Vy s\x C W \ W ( v Y ^ W y A l S a v ^ s Vo c«fo{fy W V s
03
LO
fK^vcxyi
t\A\\«As
a^oviv^s
svix^\v)s ^V\\b W e i
\V\ Yv\£ Cvv\cwvt\^\ YA^tVv^T \y Cov)v$*y Wvta,
^»\W«
Te\>.
W\w.
JVpv___Tftay
JwV^.
J \( 3 y
-SypV.
ftcC-
V\o/
Dec
Reproduced from the Unclassified I Declassified Holdings of the National Archives
A ^ r a ^ e a'tptajfe
Reproduced from the Unclassified I Declassified Holdings of the National Archives
53
Regional Bank ~ Cincinnati.
Over $ 3 4 ,8 2 6 ,0 0 0 of these shipments went to banks
within the States of the proposed D is t r ic t , d is t r i
buted as fellows:
O h i o ......................
Indiana ................
West V i r g i n i a ..* .
Kentucky ............ ..
Tennessee . . . . . . .
The remaining $ 4 ,2 7 9 ,0 0 0
States:
Alabama
Georgia
Florida
Virginia
£ 1 4 ,8 6 5 ,1 2 5
4 ,2 3 7 ,4 0 5
4 ,0 6 3 ,7 1 8
9 ,4 0 2 ,4 2 1
2 ,2 5 7 ,4 0 5
went to the following
North Carolina
New York
Illin o is
Missouri
Enterprises Financed. - Besides aiding the industries of
the City it s e l f , Cincinnati banks participate largely in
financing the various business a ctiv ities of the D istric t.
Prominent among the enterprises to which Cincinnati
banks render this service are those engaged in the produc
tion and sale of:
wheat
corn
cattle
hogs
sheep
wool
tobacco
blue grass seed
coal
d is t ille d liquors
iron
paper and pulp
Wheat and Corn. - Cincinnati is in the center of the winter
wheat and corn raising sections of the D istric t.
The crop
rarely varies one week in coming on the market.
The move
ment starts before the 10th of July and grows in volume for
more than a month, gradually receding in August and Septem
ber.
I f the crop is a good one, the country bank balances
in Cincinnati begin swelling.
I f it is a poor one, as it
was in 1912, the balances d e clin e, the banks re-discount,
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank - Cincinnati.
54
and Cincinnati helps to carry the load until the corn
crop gives a surplus of funds.
The period of time which must elapse after the corn
is cut in September, varies greatly with the weather, ae
it requires dry air and high winds to dry out corn.
If
the marketing is delayed, this requires further accommoda
tion on the part of the Cincinnati Banks.
Moreover, if
the price of corn is not satisfactory to the farmer, he
will insist that his country bank continue to carry his
loans, and that he be allowed to buy hogs and cattle for
fattening.
This practically puts a further strain on the country
banks, as the proceeds Of the corn are not realized upon at
once.
In the case of hogs, more than sixty days are con
sumed in the process of fattening, and in the case of cattle
from four to six months.
This results in a corresponding
call for service on the part of the Cincinnati banks, often
involving accommodation to country banks for as much as six
or seven months.
Cattle and Hogs. - On most of the farms in the grass grow
ing sections of the District, it is the custom to buy lean
big framed cattle from the plains for fattening. These are
grass fed throughout the summer.
The capital for this is
largely borrowed from local banks which in turn re-discount
in Cincinnati,acceptable short time Bills Receivable for
such sums as they may require.
A similar financial service is rendered for those far
mers who are engaged in hog raising.
At the Kentucky distilleries about 60,000 head of cattle
are fed annually.
The fattening process last from four to
six months; the value of the cattle runs from §3,000,000 to
$5,000,000; and the money for carrying them is supplied to the
owners, either directly or indirectly, by Cincinnati banks.
Sheep and Wool. - The last census showed that there were in
the District over 8,000,000 sheep, yielding over 35,000,000
pounds of wool.
Nearly 4,000,000 of these sheep were in
Ohio, the wool crop in that State being over 21,000,000 pounds.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati.
55
In the principal sheep raising sections, Cincinnati
banks re-discount for the country banks and assist in
financing this interest until such time as money is re
ceived from the sale of the wool.
Tobacco - Five counties, all within less than one hundred
miles of Cincinnati, raise what is called cigar leaf to
bacco , and some forty counties in central Kentucky raise
white burley, as do also the counties in Tennessee, near
Nashville.
The Ohio tobacco is held from twelve to fifteen months
after it is grown before its distribution commences. The
crop has usually a value of from $3,000,000 to $4,000,000.
This financing is principally done in Cincinnati.
The Kentucky crop is much larger. (See statistics of
Agriculture above). To carry this crop until it is ready
for the market, loans and re-discounts are made to various
banks in the tobacco section.
This business is divided
mainly between Cineinnati, Louisville, and to some extent,
Lexington.
The same service is rendered by Nashville for
the Tennessee crop.
Blue Grass Seed. - Cincinnati carries annually large amounts
of blue grass seed, the bulk of which is raised in central
Kentucky.
The active distribution of this crop to the
trade commences in February and March.
Coal - Cincinnati is one of the great soft coal markets of
the country.
With the development of West Virginia and the
rapid opening of mines in eastern Kentucky, the various com
panies are constantly opening new offices in Cincinnati for
distribution.
The volume of this business is increasing
rapidly.
The production of soft coal in eastern Kentucky
is now five times what it was five years ago.
The Louisville and Nashville railroad in the last three
years has spent between $30,000,000 and $40,000,000 in reach
ing the new fields.
Before doing so an agreement was made
with one of the big operators which guaranteed a minimum
freight movement of one million tons of coal annually, as
soon as the road was ready.
The actual shipments from this
section have already reached more than twice that amount.
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank. - Cincinnati,
56
The Chesapeake and Ohio is extending its lines into
the Kentucky coal fie ld s , as
is also the Baltimore and
Ohio.
The Carolina, Clinchfield and Ohio railroad is
coming through the last remaining gap in the mountains
from V irg in ia , and is connecting up with the Chesapeake
and Ohio to reach Cincinnati.
The Norfolk and Western
has also just built into the eastern Kentucky coal fie ld s
from West V irg in ia .
The City Directory for 1914 shows a lis t of 82 whole
sale coal dealers in Cincinnati.
Their operations run
into large figures.
Heavy shipments of coal go to the
United States Steel Corporation at Gary, Indiana.
Many
tons go also to Chicago, Toledo and Cleveland, a part for
consumption in those centers, and a part for distribution
northward by the great lakes.
Large amounts of credits are used in this distribu
tion, the financing being done by Cincinnati banks.
D istille d Liquors. - In the Kentucky d i s t il l e r ie s , many
of which are largely owned in C incinnati, large amounts of
whiskey are produced and carried through loans made by
Cincinnati banks.
Iron. Cincinnati has the head offices of some seven or
eight of the largest firms and corporations in the country
engaged in the distribution and sale of pig iron and coke.
The various companies have offices also in most of the
other large c itie s .
Their financing is done where they
can get the cheapest money; Cineinnati furnishes a large
part of it .
Paper and Pulp. - There are a large number of paper mills
strung along from Cincinnati up the Miami Valley for some
sixty miles.
These collectively have a large capacity*
At Hamilton, Ohio,
about fiftee n miles from the Cincinnati
limits is the largest paper mill under one roof in the
country.
It derives its raw materials from Canton, North
Carolina, the plant there being one of the largest freight
producers on the line of the Southern Railway.
Nearly a ll of these mills are owned and financed in
Cincinnati.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
57
Panic of 1907 - That the Banks of Cincinnati appreciate
their responsibilities and are both able and ready to
meet them, is shown by their prompt action in connection
with the panic of 1907 and the floods of 1913*
Though suffering in common with other communities
in the Fall of 1907, the Cincinnati national banks shipped
over $ 1 6 ,7 8 0 ,0 0 0 during the months of August, September,
October, November and December.
The table on the following
page shows the States to which this aid was rendered and the
amount sent to each.
Floods of 19 13. - The Banks of Cincinnati were propmt in
meeting the emergency caused by the floods of 1913.
large
sums of gold, silver dollars, and paper currency were taken
by automobiles to many of the cities as soon as the water
went down, loans being made in some cases before the bankers
could open their vaults.
Cincinnati had one railroad by which Dayton could be
reached, and although it was operated under martial law and
very much over-taxed in furnishing food and supplies, it was
of great assistance in getting currency there after the fir s t
few days. ■ Banks in Columbus, Piqua, Zanesville and many
other places were reached when they were almost entirely
cut off from the outside world.
Banks in Huntington, West
V irg in ia , and Ashland, Kentucky, had several feet of water
in their vaults, and were in frequent communication with
Cincinnati to find out i f aid could be given i f needed.
The bankers of both cities were assured that help would
be provided, i f called fo r.
Shipments of Cash: August - December 1907
August
District
Ohio.«..«...*
Indiana....
West Virginia.
Kentuclsy .....
#3 ,125,000
#3 ,000,000
#4,309,000
|3 ,860,000
$1,504,000
#15,798,000
1 ,154,000
1 ,054,000
255,000
475,000
187,000
1 ,308,000
709,000
221,000
562,000
200,000
1,763,000
989,000
417,000
787,000
353,000
1 ,317,000
886,000
261,000
1 ,248,000
148,000
654,000
324,000
67,000
403,000
56,000
6,196,000
3,962,000
1,221,000
3,475,000
944,000
10,000
••••••
6,000
18,000
•«•••••
39,000
16,000
15,000
••••*•
16,000
10,000
58,000
201,000
123,000
120,000
103,000
120,000
218,000
30,000
Louisiana.....
Mississippi..•
Alabama ......
Georgia.... ••
Horth Carolina •
Virginia ..... •
lew York ....
Illinois .... •
••••••
3,000
86,000
••••••
15,000
41,000
Grand T o t a l ...... $3,270,000
13,000
35,000
80,000
20,000
15,000
•• • * • «
41,000
......
3,000
58,000
10,000
100,000
31,000
100,000
46,000
26,000
20,000
30,000
20,000
#3,204,000 #4,657,000 #3,990,000
60,000
10,000
#5-,669,000
#16,781,000
Reproduced from the Unclassified I Declassified Holdings of the National Archives
OQ
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Railroads and Waterways
Lines. - From Cincinnati as a center, railroads radiate
in every direction.
The principal routes and lines are:
To the llorth and Northeast
Cleveland, Cincinnati, Chicago and St.Louis
Cincinnati northern
Cincinnati, Hamilton and ^ayton
Pennsylvania
Erie
To the East and Southeast
Pennsylvania
Cleveland, Cincinnati, Chicago and St.Louis
Chesapeake and Ohio
ITorfolk and Western
To the South and Southeast
Louisville and Ilashville
Cincinnati, lew Orleans and Texas Pacific
To the West and Southwest
Baltimore and Ohio
Pennsylvania
Cleveland, Cincinnati, Chicago and St.Louis
Louisville and IJashville
To the northwest
Pennsylvania
Cleveland, Cincinnati, Chicago and St.Louis
Cincinnati, Hamilton and Dayton
Chesapeake and Ohio of Indiana
(See Map Ho . /?- Railroads.)
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank - Cincinnati
60
River* - When the present improvements are completed, a
permanent nine-foot state in the Ohio will afford an in
expensive transportation route, east and west, through the
center of the proposed District, connecting with the navigable
streams of the Mississippi Valley.
It is expected that when
the Panama Canal is completed, Cincinnati will have a direct
water communication with seaport towns.
Package Car Service. - Especially indicative of the importance
of the railroads of Cincinnati as distributing agencies is
their package car service.
An average of 596 package cars leave Cincinnati daily.
Some idea of the excellent facilities afforded by this service
may be obtained from the following list of railroads provid
ing such cars and the States in which "Break-bulk1* points are
situated.
It will be observed that package car lines radiate
in every direction from Cincinnati.
(A Complete List of Lines
and "Break-bulk11 Points is given in the Appendix.)
Louisville and Nashville
Kentucky
Tennessee
Louisville
Alabama
Georgia
Florida
Virginia
Arkansas
Cincinnati, New Orleans and Texas Pacific
Kentucky
Tennessee
Alabama
Louisiana
Texas
Georgia
Florida
South Carolina
North Carolina
Califorfcia
Cleveland, Cincinnati, Chicago and St. Louis
Ohio
Indiana
Minnesota
Michigan
Hew York
Missouri
Baltimore and Ohio
Ohio
Indiana
West Virginia
Illinois
Pennsylvania
New York
New Jersey
Maryland
Kentucky
Tennessee
Missouri
Texas
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Pennsylvania
Ohio
Indiana
Illinois
Michigan
Pennsylvania
New York
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank - Cincinnati.
63
Mails
Facilities. - Of special significance in this connection
are the exceptional mail facilities in Cincinnati ( See
Map No.<2^" Mails From and To Cincinnati).
B'requent mails
pass between Cincinnati and all portions of the District#
The arrangements are such as to make possible communication
between Cincinnati and all of the large cities of the Dis
trict between the close of business hours on one day and
their opening on the following morning.
The same is true
of mail communication between Cincinnati and many important
cities in contiguous Districts.
The tables on the following pages give (1) the number
of daily mails between Cincinnati and 30 leading cities,
together with the shortest time of mail service to and from
those cities and (2) a detailed statement of the schedule
time of departure and arrival of each of the mails mention
ed, together with the length of the time required for each
trip.
(See Appendix for Tables giving hours of departure
and of arrival of all mails to and from Cincinnati and
other cities, and length of time required for each trip.)
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati.
63
Mails Between Cincinnati and Other Cities.
Shortest time.
No.
Hrs.
Cincinnati to Toledo
Toledo to Cincinnati
4
4
5-48
5-50
Cincinnati to Cleveland
Cleveland to Cincinnati
7
6
6 - 1 0
7 - 0
Cincinnati to Columbus
Columbus to Cine innati
9
9
2-50
3-10
10
10
1-16
1-35
‘Cincinnati to Dayton
Dayton to Cincinnati
Min.
Cincinnati to Wheeling, W.Va.
Wheeling to Cincinnati
5
5
8-10
750
Cincinnati to Parkersburg
Parkersburg to Cincinnati
4
4
5-30
5 - 27
Cincinnati to Charleston,?/.Va,
Charleston to Cincinnati
3
3
5-40
5-55
Cincinnati to Huntington
Huntington to Cine innati
3
3
4-20
4-30
Cincinnati to Louisville
Louisville to Cincinnati
7
7
3-27
3-20
Cincinnati to Lexington
Lexington to Cincinnati
8
6
2-25
2-35
Cincinnati to Knoxville
Knoxville to Cincinnati
2
3
8-2 4
8-50
5
.7
9-55
1 0 - 5
4
3
8-15
8-35
Cincinnati to Chattanooga
Chattanooga to Cincinnati
Cincinnati to Nashville
| Nashville to Cincinnati
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank - Cincinnati,
64
Shortest time.
No.
Hrs.
M:
Cincinnati to Indianapolis
Indianapolis to Cincinnati
9
7
2 2 ~
35
35
Cincinnati to Evansville
Evansville to Cincinnati
5
5
8 7 -
35
30
Cincinnati to Terre Haute
Terre Haute to Cincinnati
7
7
4 4 -
35
30
Cincinnati to Fort Wayne
Fort Wayne to Cincinnati
8
6
5 5 -
30
40
Cincinnati to Detroit
Detroit to Cincinnati
4
4
7 7 -
55
49
Cincinnati to Grand Rapids
Grand Rapids to Cincinnati
6
2
10 10 -
40
20
Cincinnati to Buffalo
Buffalo to Cincinnati
7
5
11 10 -
55
20
Cincinnati to Pittsburg
Pittsburg to Cincinnati
6
6
7 7 -
55
48
Cincinnati to Atlanta
Atlanta to Cincinnati
4
5
13 13 -
50
38
Cincinnati to Birmingham
Birmingham to Cinci nnati
5
6
14 14 -
15
15
Cincinnati to Memphis
Memphis to Cincinnati
5
3
14 14 -
15
40
Cincinnati to St. Louis
St. Louis to Cincinnati
7
6
8 8 -
15
15
Cincinnati to Springfield
Springfield to Cincinnati
5
3
10 11 -
55
10
Cincinnati to Peoria, 111.
Peoria to Cincinnati
6
3
10 9 -
10
20
Cincinnati to Chicago
Chicago to Cincinnati
9
8
7 8 -
55
5
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank - Cincinnati.
Shortest time.
No.
Hr s.
Min
Cincinnati to New York
New York to Cincinnati
6
7
18 17 -
28
50
Cincinnati to Washington
Washington to Cincinnati
6
7
17 17 -
0
35
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Distributing Center
Cincinnati is an important distributing center for a
large number of commodities*
The receipts and shipments
of the 113 articles included in the monthly report of
the Chamber of Commerce (See Table in Appendix), when
combined on the principle of the index number, show the
following relative movements for the months in 1913:
Receipts Shipments
February....
August.......
September.
195
215
132
132
185
191
170
233
174
237
217
297
In so far as this is a reliable basis for judging of
the character of the distribution of commodities through
this market, it appears that the movements into and out
of Cincinnati are relatively constant throughout the year* *
Indeed, it is characteristic, both of the industries of
the city itself and of its commerce, that the articles are
of so varied a character as to render the business and
financial conditions independent of the vicissitudes that
may attend any one class of products*
Ihile some of the commodities, such as fruits and grains,
are more or less seasonal, others, such as coal and coke,
groceries and manufactured articles in general, have a com
paratively constant movement*
Moreover, of the seasonal
Commodities there appears to be such a diversity in the
Seasonal movements that exceptional activity or quietness
ijn one line is supplemented by an opposite condition in
sinother*
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
67
Commodities
Among the leading commodities for which Cincinnati serves
as a center of distribution are:
Coal
Pig Iron
Tobacco
Distilled Liquors
Grain
Fruits
Live Sto ck
Lumber
Dry Goods
Coal
Concerning the distribution of coal, the following in
formation is supplied by the officials of the Cincinnati Coal
Exchange:
"TONNAGE AND VALUE.* The following figures
are compiled from statistics of the Chamber
of Commerce covering receipts and shipments by
Rail and River, including Anthracite, but this
product being of such small volume we have in
cluded it with the Bituminous coal by rail in
both receipts and shipments#
We have struck an
average of $2.00 per net ton for the value which
is basted upon the cost of coal f. o. b. mines
.plus the freight rate:
Receipts
Net Tons
By rail........ 6,284,521
By river....... 1.935.994
Total
@ $2.00
$12,339,042
@ $2.005.871.988
8,160,515
$16,321,030
4,341,462
$ 8,684,924
Shipments
By rail.......
By river.......557,515
Total
4,698,775
_________714,626
$9,599,550"
Sourfces of Supply and Markets Served* - In the accompanying
mapi the green lines show the sources of supply and the red
lin^s the markets served (See following page).
the Unclassified / Declassified Holdings of the National Archives
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
69
"A great deal of smithing coal and coke
from the West Virginia fields goes through
Cincinnati as far West as the Pacific Coast
and the Western smelters as well as into
the North-west and into Canada.
In addition,
to the rail shipments to these points, a great
amount of coal is handled through Cincinnati
and shipped by Lakes Huron,.Michigan and
Superior, - the bulk of which goes to Dultith
and Superior and is re-shipped from the docks
into the interior.
There is a growing trade
going by the Lake to Fort Willi air. and Port Arthur
to supply Winnepeg and the territory beyond.
In addition to the markets above mentioned,
there are a great number of mining companies
operating in West Virginia, which are owned,
controlled and financed in Cincinnati and
which ship direct from the mines East, North
and South, including exporting and Coast-wise
and New England Tide-water business, the financ
ing and selling of which is done in Cincinnati.
The value of such coal is approximately $9,000
000."
Pig Iron
A representative of one of the leading pig iron firms
of Cincinnati states that,
0Three-fourths of the irom made in
Alabama is distributed f r o m Cincinnati,
together with all the iron made in Ten
nessee and Kentucky.
Cincinnati also
distributes heavy tonnage of northern
iron and all made in the Ironton district.”
Cincinnati!s market is distinctively the Middle West. Pig
iron houses sell to every State in the Union.
Tobacco
Another important commodity for which Cincinnati serves
is a leading distributing center is tobacco. The District
is one of the principal tobacco producing sections of the
country and much of this product is financed in Cincinnati.
tB’ypjurep
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank Cincinnati
70
In addition to this, Cincinnati firms handle large
quantities of tobacco secured from Pennsylvania, Con
necticut
Wisconsin, Virginia and Foreign Countries*
The sales of tobacco through the Cincinnati market are
made throughout the East, the South and the Middlewestern States.
An effort has been made to show
on the accompanying map the general character of the
source of supply and the markets reached through Cin
cinnati (See following page).
Distilled Liquors
Cincinnati is the leading distributing center in
the United States for the sale of dis^I^eA liquors.
Ninety-eight distillers and wholesal^Mve "offices in
Cincinnati with a combined capital of over $31,000,000.
They distribute for 37 distillers located as follows:
Kentucky......
Ohio.
Pennsylvania...
New York.......
18
4
4
1
The estimated amount of sales made in the Cincinnati markets
is |35,000,000 a year.
The markets are to be found in
every State in the Union,
(See following Page.)
Grain
Official representatives from the grain interests of
Cincinnati give the total value of grain received in
Cincinnati for the year 1913 at $16,000,000; the ship
ments at |10,500,000.
The principal States contributing to this supply are:
Indiana
Illinois
Minnesota
Ohio
Wisconsin
Iowa
Besides these, grain was received from 16 States.
The principal markets for the shipment of grain are:
Ohio
Georgia
West Virginia
Florida
Virginia
North Carolina
Kentucky
South Carolina
Tennessee
Maryland
Alabama
In addition, five other States and Cuba purchased grain
(See following page.)
in this market.
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Outline
United. -States
Political.
v vvc_vy^\
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
74
•^ruits
Cincinnati is also an important center for the
distribution of fruits.
One railroad alone, in
1913, brought to Cincinnati from the South 4,9 4 6
carloads of fruits and vegetables to be forwarded to
points beyond.
Live Stock
The value of live stock received at Cincinnati in
1913 is estimated at over $ 3 9 ,0 0 0 ,0 0 0 ;
the shipments at
$ 1 6 ,7 0 0 ,0 0 0 .
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank ** Cincinnati
?5
Federal Administrative Center
That Cincinnati is the proper place for the location of
one of the Regional Banks is further shown by the fact that
it is now and has been for many years an important Federal
administrative center.
It is the headquarters of the
Postal operations of a large territory, the headquarters of
thfc Fifth Division of the Railway Mail Service and one of
the nine Sub-Treasury citie s.
Post Office
Receipts. - The receipts of the Cincinnati Post Office for
the calendar year ending December 31st, 1913, were $ 2 ,8 7 3 ,0 0 0 .
Postal Employees. - Postal employees are paid at this office
to the number of 4,011 as follows:
Post office employees . . .
Inspectors ..........................
Railway postal c l e r k s . ..*
Rural carriers....................
940
35
504
2533
Rural Carriers - Postal Funds. - In each State a center is
selected .from which to pay the rural mail carriers of that
State and to serve as a depository for the postal funds.
In Ohio, Cincinnati performs these functions.
As the de
pository for postal funds for the entire State, there were
issued for the fiscal year ending June 30th, 1913, 9,866 cer
tificates of deposit to other postmasters for a total of
$ 5 ,1 1 6 ,7 3 3 .
Money Order Funds. - Cincinnati serves also as the depository
for money order funds for southeastern Indiana, southern Ohio
and eastern Kentucky.
Of such funds, there were received
during the fiscal year ending June 30th, 1913, $ 4 ,5 9 4 ,4 1 0 .
Railway Mail Service.
Headquarters. - Cincinnati is the headquarters for the
administration of the Fifth Division of the Railway Mail
Service, which includes the states of Ohio, Indiana and
Kentucky.
District centers in this Division are located at
Cl.eveland, Indianapolis and Louisville.
(See Map No .&6 Railway Mail Service - Fifth D ivision).
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Banka - Cincinnati
Routes.
i
76
This Division administers the following routes,
Lines Centering in Cincinnati
To
To
To
To
To
To
To
To
To
To
Other Large
Pittsburgh, Pa,
Grafton, W. Va.
Hinton, W. Va.
Knoxville, Tenn.
Chattanooga, Tenn.
Nashville, Tenn,
Chicago, 111,, over four different lines.
Jackson, Mich.
Detroit, Mich.
Cleveland, Ohio
i&Jiti Directed from Cincinnati Headquarters
From
From
From
From
From
From
From
From
From
From
From
Detroit, Mich., and Toledo, Ohio to St. Louis, Mo*
Cleveland, Ohio to St. Louis, Mo.
Sandusky, Ohio to Peoria, 111.
Indianapolis, Ind. to Peoria, 111.
Indianapolis, Ind, to Springfield, 111.
Benton Harbor, Mich., to Louisville, Ky.
Louisville, Ky. to Evansville, Ind. and St. Louis, Mo
Louisville, Ky. to Fulton, Ky.
Louisville, Ky. to Norton, Va.
Toledo, Ohiorto Gauley Bridge, W. Va.
Wheeing, W. Va* td Chicago, 111.
f r o m Columbus, Ohio to Chicago, 111.
From Cleveland, Ohio to Pittsburgh, Pa,
From Salamanca, H. Y. to Chicago, 111.
Sub-Treasury
One of the most striking evidences of the ability of
Cincinnati to serve efficiently the proposal District is
afforded b^rrthe location here of one of the nine United
States Sub~Treasuries.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Reginal Bank - Cincinnati
7?'
Receipts. - Notwithstanding the changes in financial policy
which have tended to the multiplication of depositories for
United States funds, the receipts of the Cincinnati Sub*Treasury for the fiscal year ending June 30 th., 1913 were
§106,739,000.
This amount consists of internal revenue,
customs duties and post office receipts from Ohio, Indiana,
Kentucky, West Virginia and Tennessee.
Services.- Among the most important of the services
rendered by the Sub-Treasury are those connected with,
(1)
(2)
(2b)
The Shipment of Silver and Minor Coins
The Transfer of Funds
The Five Per Cent Redemption Fund.
Coin Receipts and Shipments,** During the fiscal year,
1912-*13, the Cincinnati Sub-Treasury received and shipped
silver and minor coins as follows (See also tables on
following page),
Receipts
Shipments
Total
July.....
August....
September.
Octooer...
November..
December..
January...
February..
March....
April....
May......
June.....
$ 434,310
394,640
228,110
252,051
280,41©
359,195
607,210
490,975
307,694
265,020
352,Of9
377,138
$ 425,665
425,660
499,135
450,110
300,020
374,310
142,730
169,115
259,960
271,075
343,185
264,135
$ 859,975
820,300
727,245
702,161
5*0,430
733,505
749,940
660.090
567,654
536,095
695,204
641, 273
Total.....
$4,349,652
$3,934, 220
$8,273,872
These were distributed among the five States of the proposed
District as follows, (See Map Ho*£7Coin Shipment and Receipts
- Sub-Treasury)
Receipts
District................ $ 4,186,247
Obio......... ......
Indiana.............
West Virginia.......
Kentucky............
Tennessee...........
3,327,248
131,479
304,870
352,450
170,200
Shipments
Total
$3,897,470 $8,083,®17
1,910,100
9*4,530
105,570
663,030
265,350
5,237,348
1,086,009
310,440
1,014,470
435,450
Coin Receipts at Sub -Treasury
Ohio
West
Virginia
Indiana
July
S 317,510
Aug#
301,200
13,840
15,000
Sept
180,260
10,150
Oct*
225,101
Hov.
I
23,300
I
26,100
Kentucky
56,400
Tennessee
Total
1,000
10,000
52,600
12,000
0
394,640
2,500
35,200
0
0
228,110
450
11,600
14,300
600
0
252,051
224,925
14,240
26,045
15,200
0
0
280,410
Bee.
290,695
0
29,000
31,500
8,000
0
359,195
Jan.
469,550
- 37,460
21,000
43,200
12,000
24,000
607,210
FEB.
318,700
12,150
17,025
22,500
58,600
62,030
491,005
Mar •
256,600
144
11,000
21,450
17,000
1,500
307,694
Apr.
183,075
13,645
21,600
29,500
0
17,200
265,020
May
261,394
2,900
15,000
16,100
15,000
41,625
352,091
June
298,238
3,200
9,000
14,500
46,000
6,200
377,138
Total
#3,327,248
#
131,479
$
204,870
#
#
352,450
#
Other
|
170,200
|
434,310
1 162,555 $4,348,SOB
Reproduced from the Unclassified I Declassified Holdings of the National Archives
CO
IN
Coin Receipts at Sub-Treasury
July
#
Ohio
Indiana
317,510
$
West
Virginia
23,300
$
2 6 .1 0 0
Kentucky
I
56.400
Tennessee
Other
i*ooo
1$ 10,000
S
Total
|
434,310
Aug.
301,200
13,840
1 5 ,0 0 0
52,600
12,000
0
394,640
Sept.
180,260
10,150
2 ,5 0 0
35,200
0
0
228,110
Oct.
225,101
450
11,600
14,300
600
0
252,051
Uov.
224,925
14,240
26,045
15,200
0
0
280,410
Me*
290,695
0
2 9 ,0 0 0
31,500
8,000
0
359,195
Jan.
469,550
37,460
21,000
43,200
12,000
24,000
607,210
Feb#
318,700
12,150
1 7 ,0 2 5
22,500
58,600
62,030
491,005
Mar.
256,600
144
11,000
21,450
17 ,0 0 0
1,500
307,694
Apr.
183,075
13,645
2 1 ,6 0 0
29,500
0
1 7 ,2 0 0
265,020
May
261,394
2,900
15,000
1 6 ,1 0 0
1 5 ,0 0 0
41,625
352,019
June
298,238
3,200
9 ,0 0 0
14,500
46,000
6,200
377.138
1 7 0 ,2 0 0
$p 162,555
#4,348,802
Total
#3 ,327,248
#
131,479
*
204,870
#
352,450
$
Reproduced from the Unclassified I Declassified Holdings of the National Archives
80
Regional Bank » Cincinnati
Shipments were also made to points in,
Alabama
Georgia
Virginia and
Pennsylvania,
and received from points in
Georgia.
Transfer^of Funds. - Funds were transferred to the Sub«
Treasury in 1912-*13 as follows,
#213,570,409
171,329,382
164,189,430
132,999,349
91,024,430
150,832,076
120,688,713
90,290,998
78,066,833
144,135,855
154,419,822
144,501,459
July......
August....
September, ,
October,...
November,..
December...
January...
February...
March.....
April.....
May,......
June......
Total
$1,656,048,635
The principal points from which these transfers were made
are,
Ohio
Cincinnati
Columbus
Cleveland
Indiana
Terre Haute
Lawrenceburg
Indianapolis
Vincennes
West Virginia
Charleston
Kentucky
Louisville
Lawrenceburg
Covington
Carrollton
Owensboro
Frankfort
Maysville
Danville
Tennessee
Harriman
Nashville
Over $637,000 were transferred from Richmond, Virginia.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank -Oincinnati
81
Five Per Gent Redemption Fund* **• The Sub-Treasury received
tbs following deposits from banka in Ohio, Indiana, Weat
Virginia, Kentucky and Tennesaee, for the Five Per Cent Re
demption Fund,
July.....
August,... .. 733,948
September. .* 545,410
October,.. .. 706,975
November.... 573,167
December.... 999,344
January... .. 899,939
February.. ..1,086,538
March.... .. 349,370
April.... .. 375,650
May......
308,000
June.....
Total.9.,. .$7,616,136
In addition, depoaita to thia Fund amounting to $1,874,000
were received from banka in the following fourteen Statea,
Illinoia
Louiaiana
Miaaiaai^i
Alabama
Georgia
Florida
Virginia
Maryland
New Jeraey
Pennaylvania
New York
Connecticut
Maasachuaett8
Maine
The amcHmta received for this Fund from the several State8
in the proposed District and the number of ci'tiea and town*
whose banks made depoaita were
Cities
and
Amounts
Towns
District.................. |7,616,136
Ohio,,,,............... 3,477,860
Indiana................ 1,103,841
West Virginia.,.........
490,073
Kentucky..,............. 1,626,267
Tennessee..............
919,095
316
92
50
13
48
13
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank
five
Ohio
Per Cent Fund
Indiana
“Virginia
Kentucky Tennessee
| 1 9 7 ,5 5 0 #113,548
$9 71,1 47
Total
$4 07 ,4 5 2
# 190,560
$ 61,937
Aug.
345,317
1 0 0 ,5 6 0
4 7 ,5 5 0
155,423.
8 4 ,1 0 0
732f 948
Sept •
234,350
7 5 ,150
28,100
1 3 7,71 0
70,100
545,410
Oct.
2 9 6,18 0
1 3 4 ,7 5 0
36 ,050
182,59 5
57,400
706,975
259,82 7
74 ,5 8 0
3 6 ,500
1 2 0 ,0 1 0
81 ,2 5 0
572,167
Dee*
4 4 3,44 6
193,58 5
5 7 ,2 4 0
18 5 ,2 2 3
1 1 9 ,8 5 0
99 9 ,3 4 4
Jan*
491,99 8
11 4 ,2 2 8
80 , 650
1 3 7 ,5 1 3
65,550
889,939
Feb*
570,490
1 0 6 ,1 3 0
93,446
197,125
Mar*
15 3 ,7 0 0
69 ,2 5 0
1 2 ,4 0 0
66,520
Apr*
1 2 2,75 0
24 ,700
1 4 ,5 0 0
May
1 3 2 ,8 5 0
9 ,9 5 0
•
l>
o
July
June
Total
1 8 ,5 0 0
1 0 ,3 9 8
| 3 ,4 7 6 ,8 6 0 1 ,1 0 3 ,8 4 1
11 9 ,3 4 7 1 ,0 8 6 ,5 3 8
4 7 ,4 0 0
349,270
74,150
39,550
275,650
5 ,7 5 0
1 0 4,90 0
54,550
308,00 0
1 5 ,9 5 0
6 7 ,550
66,350
178 , 748
91 9 ,0 9 5
7 ,6 1 6 ,1 3 6
49 0 ,0 7 3 1 ,6 2 6 ,2 6 7
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regiont
Bank - Cincinnati
: 83
Sentiment for ,G inc innat i
The Gommittee planned to ascertain the sentiment of the
hanks of the proposed District as to their preference in the
selection of a Regional Ban!-: city and began to do so.
The at
tempt was abandoned, however, upon learning that the Organization
Committee y;s s securing such data•
She sentiment of the proposed District, so far as it has
been ascertained, is in a marked degree favorable to the location
of a Regional Bank in Cincinnati.
It is believed that the replies to the inquiries of the
Organization Committee, submitted by the banks of the five States
mentioned, when combined, w ill substantiate the opinion that
Cincinnati occupies the -leading place in their choice of a
Regional Bank center.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Industrial Statistic
Agriculture
Mining
Manuf ac tur i ng
Agricultural Statistics
( In 1,000*8 )
CO
Total Pop,
Rural !Pop.
No. Farms
Acres in
Fajpms
$ of Land
in Farms
Imp. Acres
s.
91,973
4 9 ,3 4 8
53.7
6,361
878,798
4 6 .2
478,451
Dist.
13,161
8,1 2 7
6 1 .8
1,088
97 ,660
83 .6
66,923
14 .3
1 6 .5
17.1
11.1
4,767
3 ,7 0 0
1,231
2 ,2 8 9
2,1 8 4
2 ,1 0 1
1,557
992
1,734
1,743
272
215
96
259
246
2 4 ,105
2 1 ,299
10,026
2 2 ,189
. 20,041
u.
f of U. S.
Ohio
Indiana
W. Va.
Kentucky
Tennessee
1o
44 .1
5 7 .6
8 1 .3
7 5 .7
79 .8
Farm Property
Value
1 3 .9
9 2 .5
92 .3
65.2
86 .3
75 .1
Farm Land
Value
Farm Bldgs.
Value
V a l . Farm
Imps. & Mch.
19,227
16,931
5,521
14,354
10,890
Live Stock
Value
U. S.
5 4 .4
$ 4 0 ,9 9 1 ,4 4 9
$ 2 8 ,4 7 5 ,6 7 4
$ 6 ,3 2 5 ,4 5 1
$ 1 ,2 6 5 ,1 4 9
$ 4 ,9 2 5 *1 7 3
D ist.
6 8 .5
5 ,4 1 2 ,8 8 4
3 ,6 7 7 ,0 4 4
952,651
141,363
6 4 2 ,7 2 0
13.2
1 2 .9
1 5 .0
11 .1
1 3 .0
1 ,9 0 2 ,6 9 4
1 ,8 0 9 ,1 3 5
314,738
77 3 ,7 9 ?
6 1 2 ,5 3 0
1 ,2 8 5 ,8 9 4
1 ,3 2 8 ,1 9 6
2 0 7,07 5
4 84,4 64
37 1 ,4 1 5
368,257
2 6 6,97 9
. 5 7 ,3 1 5
150,994
109,106
51,310
4 0 ,9 9 9
7,011
20,851
2 1 ,892
197,332
1 7 3,86 0
43 ,3 3 6
117,486
110,706
$ Of u. s.
Ohio
Indiana
W. Va.
Kentucky
Tennessee
79 .8
7 9 .5
55.1
6 4 .7
54.3
( In 1 ,0001s )
Average Acres
Per Farm
Average Value of
all Farm Property
Per Farm
Owners
Cattle
4 of
Operators
No.
Value
U. S.
138.1
$6, 444
3,948
6 2 .1
61,803
$ 1 ,4 9 9 ,5 3 3
Dist.
89.9
4, 975
731
67 .1
5,816
15 3,03 5
1 8 .5
$ of U. S.
Ohio
Indiana
W. Va.
Kentucky
Tennessee
6, 994
8, 396
3, 255
2, 986
2, 490
88 .6
98 .8
103.7
85.6
81.5
Horses, Mules etc.
Value
Ho.
192
148
75
170
144
7 0 .6
68 .9
7 8 .6
67 .2
5 8 .6
Swine
No.
9.4
10 .2
1,837
1,363
620
1,000.
996
51,403
39 ,1 1 0
15,860
25,971
20,691
Sheep
Value
Ho.
Value
Dajiry Prodi
Value
S.
24,148
|3 ,6 2 2 ,1 8 0
5 8 ,185
$399,338
52,447
$232,841
$596,413
Dist.
3,336
366,334
9,9 3 4
61,518
8,313
32,831
7^, 306
<fo of U .S .
13.8
13 .9
1 7 .0
1 5 .4
15 .8
14.1
1 1 .8
Ohio
Indiana
W. Va.
Kentucky
Tennessee
933
897
191
672
633
101,748
97,087
19,948
7 2 ,0 4 6
7 5 ,4 9 5
3,105
3,6 1 3
328
1 ,491
1,387
19,412
2 3 ,739
2 ,0 8 7
8,951
7 ,3 3 9
3,909
1 ,336
910
1,363
795
14,941
5,908
3,4 0 0
5,573
3 ,0 0 9
30,869
16,666
5,000
9,056
8 ,7 1 5
U.
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Agricultural Statistics (2)
to
00
Wcol
Eggs
Value
Lbs.
(3)
Fowls
Doz.
Value
No*
Value
All Farm Crops
Value
S.
289,41 9
$65,472
1 ,5 9 1 ,3 1 1
$306,689
4 8 8 ,4 6 8
|20 3,50 6
15,487,161
Dist.
3 5,066
10,562
287,159
53,571
88,705
36,664
734, 602
12.1
16.1
1 8 .0
1 7 .5
18 .2
18.1
13 .4
2 1 ,6 8 5
5,360
2,719
3,4 4 8
X , 854
6,749
1 ,5 3 5
840
974
466
100,889
80,755
19,159
44,313
42 ,0 4 3
19,749
15,287
3,672
7 ,6 0 5
7 ,2 5 8
2 3 ,433
2 3 ,0 6 7
5 ,543
19,247
17,415
10,988
10 ,7 2 6
2 ,2 3 9
6,937
5,774
230, 338
204, 210
40, 375
138, 973
120, 7 06
Value
Bu.
Value
Bu.
U.
$ of U. S.
Ohio
Indiana
W. Va.
Kentucky
Tennessee
Wheat
Corn
Bu.
Oats
T
o•
UT• vj
2, 552,189
$ 1 ,4 3 8 ,5 5 4
6 8 3,37 9
$657,657
Dist.
521,158
28 8 ,0 4 0
8 2 ,428
83,128
20 .4
20.1
1 2 .0
1 2 .6
157,513
195,496
17,119
83,348
67,682
82,327
98,438
11,907
50,449
4 5 ,8 1 9
3 0 ,663
3 3 ,9 3 5
2 ,5 7 5
8,739
6 ,5 1 6
31,113
3 3 ,593
2 ,6 9 7
8,812
6,9 1 3
$ of U. S.
Ohio
Indiana
W. Va.
Kentucky
Tennessee
Hay
Value
Tons
Value
1 ,0 0 7 ,1 4 2 # 4 1 4 ,G97
97,453
$ 8 2 4 ,0 0 5
4 6 ,6 4 6
10,004
97,657
11 .2
10 .3
1 1 .9
2 3 ,212
18,928
912
1 ,216
2,37 8
4,521
2 ,8 8 0
639
957
1,007
42,357
24 ,883
7 ,4 9 3
10,306
1 2 ,618
117,053
1 1 .6
57, 591
50,607
1,7 2 8
2 ,4 0 6
4 ,7 2 0
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Agricultural Statistics
( In 1,000's )
Agricultural Statistics
( In 1,000*0 )
Potatoes
Bu.
Value
Other Vegetables
Value
(4)
Tobacco
Lbs.
Value
Orchard Fruits
Value
Bu.
u. s.
3 8 9 ,1 9 5
f 166,424
§216,257
1 ,0 5 5 ,7 6 4
$1 04,3 03
316,084
|14 0,86 7
Dist.
4 1 ,3 5 6
19,987
3 8 ,715
591,585
6 8 ,5 9 8
32,068
20,407
6 5 .8
14.8
8 ,9 9 9
2 ,1 4 5
1,933
39 ,8 6 9
6 ,711
4 ,7 1 4
4 ,7 1 0
9,4 4 8
6 ,4 8 5
$ of D. S •
10 .6
20,333
Ohio
Indiana
8 ,9 0 5
4,077
W. Va.
Kentucky
5,120
Tennessee
3,932
1 2 .0
1 7 .9
9 ,378
3 ,8 1 6
3 ,3 7 9
11,394
7 ,4 9 8
4 ,5 3 0
2,734
8,287
1 ,7 9 0
7 ,0 * 6
56 .0
88,603
21,387
14,356
398,482
■ 68,757
5,662
14.4
5,692
3 ,7 0 9
3 ,0 4 0
4,5 0 7
3,4 5 9
n/r •
•
Mining
( In 1,000*3, except Cu. Ft. of Nat'l Gas in 1,000,000*3)
Capital
u.
s.
Natural Gas
Value
C*. Ft.
Petroleum
Value
Bbl.
$ 1 ,3 3 8 ,4 1 0
40 5,7 57
$4 51,1 77
508,364
$ 7 4 ,1 2 8
33 0 ,4 4 9
$134,045
501,164
186,782
134,933
1 3 1 ,6 3 5
363,30 4
4 9 ,4 1 9
30 ,779
2 3 ,805
$ of U. S.
Bituminous Coal
Value
Tons
1 3 , 3 8 0 ,5 2 5
Dist.
Ohio
Indiana
W. Va.
Kentucky
Tennessee
Total Pro
ducts
14.9
16 1 ,3 3 5
59,765
219,467
26,787
3 3 ,8 2 0
15.1
3 0 .8
3 7 .0
63,767
31,934
76 ,288
12,100
12,693
30 ,7 6 0
14,301
59,833
13,707
6,433
3 1 ,8 1 0
15,337
53,671
13,617
4 9 ,4 5 0
4 ,3 6 5
307 ,113
1 ,3 7 5
"7,310
1
50.1
66 .7
9,367
1,193
3 8 ,453
408
0
9 .4
8,817
1 ,6 9 5
9 ,7 9 5
4730
1 7 .8
9,4 8 0
1,339
13,767
339
0
Reproduced from the Unclassified I Declassified Holdings of the National Archives
CO
CO
Establish
ments
Persons en
gaged
Wage earner s Primary Hors e
power
Capital
In 1 0 0 0 ’ s
u. s.
868,491
7 ,6 7 8 ,5 7 8
6 ,6 1 5 ,0 4 6
1 8 ,6 7 5 ,3 7 6
# 1 8 ,4 2 8 ,2 7 0
Dist.
55,068
979,462
837,051
2 ,0 0 6 ,5 2 9
2 ,3 0 1 ,0 7 6
yo
Of U. S.
Ohio
Indiana
W.Va.
Kentucky
Tennessee
1 3 .1
15 ,1 3 8
7,969
2,586
4 ,7 6 6
4,6 0 9
Wages
in 1 0 0 0 ’ s
U. S.
Dist
%
•
oi 0 . S.
OMo
Indiana
V7. Va.
Kentucky
Tennessee
1 2 .8
523,00 4
218,26 3
71 ,463
79,060
87,672
Materials
In 1 , 0 0 0 * s
1 2 .7
44 6 ,9 3 4
1 8 6 ,9 8 4
63 ,893
65,400
73,840
Value of
Products
In 1 ,0 0 0 * 8
15 .5
1 2 .5
1 ,5 8 3 ,1 5 5
633,377
217,496
230,224
242,277
1 ,3 0 0 ,7 3 3
508,717
150.923
172,77 9
167.924
Value added
Increase in
value of
"by manufac
nroducts,
tures, in
1904 to 1909
1 0 0 0 fs
# 3 ,4 2 7 ,0 3 8
;$ 1 2 ,1 4 2 ,7 9 1
# 2 0 ,6 7 2 ,0 5 2
3 9 .7
$ 8 ,5 2 9 ,2 5 1
430,101
1 , 4 6 7 ,2 5 0
2 ,5 8 2 ,9 3 2
4 7 .5
1 ,1 1 5 ,6 8 2
1 2 .6
245,450
95,511
33,000
27,888
28 ,2 5 2
1 2 .0
824,202
334,37 5
92,878
111,779
104,016
1 3 .1
1 2 .5
1 ,4 3 7 ,9 3 6
579,075
161,950
223,754
180,217
4 9 .7
4 7 .0
6 3 .5
4 0 .1
3 0 .6
613,734
244,700
69,072
111,975
76,201
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Statistics of Manufactures
Agricultural
Irrplements
U.
Automobi'lee
Bread
Canning
Carriages
etc.
Cara, etc
St earn R. :
S.
$146,339
$349,202
$3 96,8 65
$157,101
$159,893
$405,601
Diet.
29,114
63,603
40 ,9 1 6
16,086
53,460
65,863
35 .1
10 .3
10.3
33 .8
38,839
3 3 ,7 6 4
..........
........ ..
..........
23,007
10 ,309
1 ,4 7 0
3,3 3 8
3,893
4 ,6 6 0
8,758
605
1,857
306
3 1 ,949
21,655
675
5,141
3 ,0 4 0
2 8 ,6 9 0
17,128
6,733
6 ,5 3 5
6,777
Copper, Tin
& Sheet Iron
Prod.
Electrical
Mach., etc
fo of U. S.
Ohio
Indiana
W. Va.
Kentucky
Tennessee
1 9 .9
1 4 ,440
13 ,6 7 0
..........
.......
1,004
Cars steam R. R.
Not operation of
R. R. Cos.
U.
Coffee &
Spice, Roasting & Grinding
Confectionery
16 .3
S.
$133,730
$110,533
.34,796
$199,834
$221,309
D ist .
15,949
17 ,6 3 3
14,886
30,473
36,734
1 2 .9
1 6 .0
6,451
9,4 9 8
..........
..........
..........
11,234
1,8 4 6
113
3,003
1,4 4 4
% of U. S.
Ohio
Indiana
W. Va.
Kentucky
Tennessee
1 1 .0
7,307
2,5 5 8
344
2,257
2,5 2 0
1 5 .3
19,086
5,763
3,151
3 ,2 4 3
1,329
1 3 .7
18,777
7,718
• ••* « •
229
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Value of Products
( In 1 0 0 0 's )
(2)
Food Prep
arations
Foundry & Mach.
Shop Products
Iron & St
Furniture <1
Refrigerators
Blast Fur
ture.
u. s.
$833,584
|135,331
$ 1 ,2 2 8 ,4 7 5
$239,887
$ 391,429
Dist.
147,765
16,433
20 7 ,8 9 0
40 ,6 6 0
88,352
1 6 .9
1 6 .9
145,837
39,844
3,392
9,6 2 7
9,1 9 0
16,259
18,456
965
1 ,671
3 ,3 0 9
$ of u. S.
16.7
Ohio
Indiana
W. Va.
Kentucky
Tennessee
48,093
4 0 ,5 4 1
7 ,6 9 6
3 2 ,3 6 5
29,070
Iron 8c Steel
Steel Works $
Rolling Mills
s—I
to
1—I
Flour Mill &
Gri3t Mill
Prod,
10,837
7 95
1 ,4 4 5
3,346
Leather
Goods
Leather Tan
ned, Curried
et c .
Liquor
Malt
2 2 .5
83 ,6 3 9
4,653
Liquor
Dist.
S.
|985,723
$1 0 4 ,7 1 9
$327,874
$374,7 30
$2 04,6 90
Cist.
266,646
13,329
31,661
4 2 ,0 9 0
90,237
9.6
11 .4
4 4 .0
10,128
2 ,3 1 1
12 ,4 5 1
4,341
2 ,5 3 0
2 5 ,332
8 ,3 1 3
3 ,371
4 ,9 4 9
3 ,044
12,011
3 1 ,6 1 0
U.
%
of u.
S.
Ohio
Indiana
W. Va.
Kentucky
Tennessee
2 7 .0
197,780
38,652
32 ,4 3 5
7,77 9
12.7
4, 939
3 ,4 0 6
47 a
3,373
2 ,1 3 9
4 4 ,3 6 0
2 ,2 56
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Value of Products
( In 1 0 0 0 ' s)
CQ
-(3)
<J»
Lbr. & Tim
ber Prod.
Marble &
Stone Work
Paint &
Varnish
Paper &
Woo Ci Pu 1i}
Patent
& Compound
Drug Prep
u. s.
| l , 156,12 9
$113,093
$1 24 ,8 8 9
$267,657
$141,943
Dist*
136,328
13,493
17,084
34 ,819
17,133
13 .7
9.2
13,617
1 ,1 0 8
16,965
5,202
2,653
$ of tl. S.
11 .9
1 1 .0
Ohio
Indiana
W. Va.
Kentucky
Tennessee
34,597
33 ,135
38,758
31,381
30,457
3,847
5,756
365
1,060
1,4 6 5
Printing &
Publishing
' Rubber Goods not
elsewhere speci
fied
13 .0
>
1,962
3S7
5 ,8 59
4 ,3 4 4
1,292
3 ,12 3
3 ,5 1 5
Soap
Tobacco
S.
$737,876
$128,4 36
t i l l ,358
$416,695
Dist.
71,633
58,334
18,112
5 1 ,660
4 5 .3
16.3
12 .4
53,811
4 ,3 1 3
17,077
813
38,907
. 4 ,1 5 5
U.
$ of U. S.
9 .7
Ohio
Indiana
W. Va.
Kentucky
Tennessee
4 1 ,6 5 7
14,3 56
1,992
6,454
7,173
OOO
£>
C-j Cj
18 ,598
• • • i • *«
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Value of products
t In 1 , 0 0 0 1s )
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Package Oar Routes
and
"Break Bulk" Points
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
PENNSYLVANIA R. R.
Average Number - Daily - 70
East End
Piers 4 & 5 N.R. New York
Pier 28 N.R.
New York
Waverly Trf. New York
Philadelphia, Pa.
Wilkesbarre, Pa.
Buffalo, N .Y.
Pittsburg, T r f . , Pa*
Newark, 0.
Cleveland, 0.
Akron, 0.
Pittsburg, Pa.
Columbus Trf.
Zanesville, 0.
Lancaster, 0.
Washington C . H . , 0 .
Hicks, 0.
Dayton, 0.
Springfield, 0,
Zhenia, 0.
Pendleton Shops, 0
Carre11 St,
Rendcomb J e t , , 0.
Hamilton, 0.
Eaton, 0,
Richmond, Ind.
Anderson, Ind.
Elwood, Ind.
Kokomo, Ind.
Logansport, Ind,
Chicago, I l l s .
Indianapolis, Ind.
Terre Haute, Ind.
E. St. Louis, I l ls
Ft. Wayne, Ind.
Grand Rapids, Mich
Smith St. Station
Piers 4 & 5 N.R. New York
Pier 28 N.R.
New York
Philadelphia, Pa.
Buffalo, N.Y.
Pittsburg Trf. Pa.
Newark, 0.
Cleveland, 0.
Akron, 0.
Pittsburg, Pa.
Columbus T r f . , 0.
Zanesville, 0.
Lancaster, 0.
Washington, C . H . , 0.
Hicks,; 0.
Daytonj, 0.
Springfield, 0.
Xenia,! 0.
Pendleton Shops, 0.
Carrell St.
Rendcomb J e t . , 0.
Hamilton, 0.
Eaton, 0.
Richmond, Ind.
Anderson, Ind.
Elwood, Ind.
Kokomo, Ind.
Logansport, Ind.
Chicago, I l l s .
Indianapolis, Ind.
Terre Haute, Ind.
E. St. Louis, I l l s .
Ft. Wayne, Ind.
C^rand Rqp id s, Mich.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
BIG BOUR ROUTE
Daily Package cars from Cincinnati
Average number made Daily-100
Central Ave.
Elmwood Place, 0.
Lockland, 0 .
Carthage to Lockland
Sharon to Cold Springs
Middletown, 0.
Miamsburg, 0.
Franklin, 0.
Dayton, 0.
Springfield, 0.
Springfield T r f . 0.
Bellefontaine, 0.
Toledo, 0.
Junction Yards, Mich,
Via Toledo M. C.
Detroit Mich.
Columbus, 0.
Points bet. Columbus & Deleware
Cleveland, 0,
Galion, 0.
L . S . & M .S. Pier House, Cleveland,
Buffalo, N .Y.
L. V. Ry. Trf.
E. Buffalo, N .Y.
Rochester, N.Y. & Territory
E. B u ffa lo , N .Y.
Via LS & MS to Syracuse
Utica, N .Y. & North
Syracuse, N.Y.
Via Lake Shore
West Albany Trf.
N.Y
St. Johns Park, N.Y.
Deliveries below 14th St. N.Y.
Rotterdam Jet.
N .Y.
Whitewater Park to Hagerstown
Harrison, 0,
Brookville,* Ind.
Lawrenceburg to Aurora, Ind.
Sunman, Ind.
B a t es v ille, Ind.
Greensburg, Ind. & Mich. Div. So,
Sandusky, Ind. to Anderson
Marion, Ind. to Elkhart
Elkhart, Ind.
All points No. of Goshen
Ewington to Columbus, Ind.
Adams to Prescott & FF&M Branch
Shelbyville, Ind.
Indianapolis, Ind.
Lafayette, Ind.
C&NW Wood St. Chicago.
Chicago, I l l s .
CM & STP Galewood Sta. Chicago
Fordham Trf.
Ills.
D a n v ille , I l l s .
& points to Gillum
Bloomington, I l l s .
& Points to Pekin
Peoria, I l l s .
Peoria GB&Q, House
Minneapolis, Minn.
via Peoria & la. Cent,
St. Paul, Minn.
G&N Ry. & NP. ' Points
Kansas City, Mo.
Via Peoria 1 la. Cent.
Terre Haute, Ind.
& Stations to Vermilion
East St. Louis, I l l s .
St. Louis, Mo.
Mo. Pac. 7th St. House
S.W. House.
Brighton Station
Middle town, 0. & Points
to W, Carrollton
Dayton, 0. & Points to W. End.
Springfield, Trf.
0.
Cleveland, 0 .
Erie Pa. & beyond
Including Buffalo
Toledo, 0. & beyond
Detroit, Michigan & beyond
Greensburg, Ind.
Chic. Div. to Fairland
Mich. Div. No.
Vernon to Benton Harbor
F, F. M.
Branch & CH&G Br.
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank - Cineinnati
BIG FOUR ROUTE #2
95
Brighton Station (Con.)
East B uffalo , N .Y. & points East
West Albany, Trf. N.Y.
East St. Louis
Wood St*
Delhi to Greensburg
Ewington to Columbus, Ind.
Sandusky to Benton Harbor
Indianapolis, Ind.
East St. Louis, I l l s .
Peoria, I l l s .
Chicago, I l l s .
Cincinnati
Springfield, 0*
Cleveland, 0.
Buffalo, N .Y.
E. Buffalo, N.Y.
Harrison to Hagerstown
Sta.
Station
Cleveland, 0*
Springfield, 0*
Buffalo, N.Y.
E. Buffalo, N .Y.
Harrison to Hagerstown
Connersville, Ind.
Lawrenceburg to Aurora
Front St
Indianapolis, Ind.
Chicago, I l l s ,
Chicago, C&NW Wood St.
Connersville, Ind.
Lawrenceburg to Aurora, Ind.
Chicago, I l l s .
Indianapolis, Ind.
Sandusky, Ind. to Benton Harbor
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank - Cincinnati
96
B. &. d) S.W. R.R.
Daily Package Cars from Cincinnati
Average number Daily - 120
Aurora, Ind.
Akron, 0 .
Athens, 0.
Baltimore, Md. (Caraien Sta.
Benwood, W. Va. Fairmount W. Va. Way
Blanchester, 0.
Brownstown, Ind. Washington, Way*
Brunswick, Md.
Chicago, Ills* Monon Route
Chicago Jet* 0*
Chillicothe, 0*
Clarksburg, W. Va.
Columbus, 0*
Connellsville, Pa.
Cumminsville, E. Norwood, Way
Dennison, Texas MK&T Solid
Dillsboro, Ind.
Dundas, 0* & Hocking Valley Pgh.
E. St. Louis, Ills.
E. St. Louis, Ills*
Evansville, Ind*
E & TII
Flora, Ills. E. St. Louis Way
Greenfield, 0 .
Hamden, 0 . Portsmouth, 0 . Way
Kaasas City, Mo.
Mo. Pac*
Lawrenceburg, Ind *
Louisville, Ky.
Louisville, Ky. IC Depot
Loveland, 0*
Madisonville, 0*
Marietta, 0*
Martinsville-Musselman Way
Memphis, Tenn. IC R.R.
Memphis Jet*
IC R.R.
Midland City, 0* Columbus Way
New Albany Ind.
New Albany, Ind. Sou* Ry. Depot
Mitchell, Ind.
Newark, 0.
New Orleans, La. IC
New York, N.Y.
Pier
North Vernon, Ind. Watson Way
Norwood, 0.
Olney, Ills*
Osgood, Ind.
Odin, Ills.
Paducah, Ky. IC HR
Parke rsburg, W. Va.
Philadelphia, Pa.
Pittsburg, Pa.
Portsmouth, 0.
Rutherford Trf* Pa. CSD
St. Louis, Mo. IM Depot
St. Louis, Mo. RI Depot
Sedamsville - Fleming Ind. Way
Seymour, Ind.
Springfield, Ills*
Thrifton, 0.
Vincennes, Ind. For E&TH
Washington, Ind.
Washington C.H., 0.
Wheeling, W. Va.
Wilmington, 0.
Zanesville, 0.
Jackson, Tenn.
Charleston, W. Va.
Grafton, W. Va.
Jackson, 0.
Oakley-Blanchester Way.
Wellston, 0.
Bestboro - Hillsboro Way
Bridgeport, Ills.
Milan, Ind.
Seymour CTH & SE
Wheatland - Clay City Way.
Vincennes, Ind.
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank - Cincinnati.
97
B. &. 0* S.W. R.R. #2
B
& 0 Brighton Station.
Brunswick, Md.
Chicago, I l l s .
Chicago Jet,
0.
Chillicothe, 0*
Columbus, 0.
Cumminsville Way
East St. Louis, Ills*
Flora,
Ills.
L ouisville, Ky.
IC Depot
New York N .Y.
Parkersburg, W. Va.
Pittsburg, Pa.
Rutherford, N .J .
Seymour Way
Mo. Pac. House- St. L o u is , Mo.
Lou i s v i l l e , Ky.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional harnk -
Cincinnati,
C. H. & D. R.
98
o.
,
Da ily Package Gars From Cincinnati
Average Humber Daily - 60.
Buffalo, H. Y.
Carthage, 0.
Chicago, 111.
C. H. & I . Indianapolis, Way
College Corner, 0.
Connersville, 0.
Dayton, 0.
Dayton ITorth Way.
Decatur, 111.
Delphos, Div.
Detroit, Midi.
Via Shore Line.
Yia P. M.
Yia M. C.
Yia Junction Yds. xor
Ottawa Yds. for p M
East Buffalo, S. Y.
D. L . & W. Depot.
Elmwood,Place, 0.
Ft. Wayne, Ind.
Glendale, 0.
Hamilton, 0.
Hartwell, 0.
Stockton Sta. Jones Way
-
Indianap oli s , In d .
Indianapolis, Ind.
West S t i House.
Ivorydale, 0 .
lib erty, Ind.
Limai 0.
Lima north Way.
Lockland, 0.
[iarnisburg and Way.
Middletown, 0.
Oxford, 0.
Piqua, 0.
Rushville, Ind.
Sidney, 0.
Toledo, 0.
Troy, 0.
Wellston, 0. Div. iVay
Winton Place, 0.
Forest H i l l , 0 .
Chicago, B. & 0.
L oui svi11e , B . & 0,
Seymour, B. & 0.
E . St. Louis, B. & 0.
Brighton Station.
Hamilton, 0.
Dayton, 0.
Toledo, 0.
Indianapolis, Ind.
Chicago, 111.
Yia C. I . & L .
Columbus Transfer.
Yia $ . C. C. & St. L .
Buffalo Jet. 1 . Y.
Yia IT. Y. C. & St. L
Detroit, Mich.
Yia M. C.
Marion Transfer 0.
via
rxe.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
99
CHESAPEAKE & OHIO R. R. GO.
Daily Package Cars From Cincinnati.
Average lumber Daily' - 46.
ITewp ort IIev/s, 7 a .
for eastern cities
IIor folk, Va.
proper .& beyond.
Richmond-, Va.
proper So Carolina Points
C. L . Depot.
Lynchburg, Va.
proper & Carolina Points
Clifton forge, V a ., & East
Charlottesville, Va- & Ear-t
Eonceverte, W. Va.
proper & Points on Green
brier D i v Tn.
Hint on, W. Va.
Charleston, W. Va.
Huntington, X!. Va.
Catlettsburg, Ky.
Ashland, Ky.
Mt. Sterling, Ky.
South Portsmouth, Ky.
proper & Portsmouth, 0.
Maysville, Ky.
Augusta, Ky.
Broolrsville, Ky.
points via Wellsburg.
Points on the Virginian Ey.
Staunton, Va. & East.
Taleott to Low Moor.
Handley to Sand Stone.
Guyandot to Pt. Creek Jet.
Piney Creek Branch, W. Va.
Guyandot Valley D i s t . , W. Va.
Savage Branch to Iheelka.
Paintsville to Elkhorn City
Straight Creek to Swington,
Lloyd to Bussell
Springdale to Garrison
Bellevue to Broshears, Ky.
Greenup and Riverton, Ky
Manchester and Vanceburg, Ky.
Loup Greek Branch
White Oak Branch
Thurmond, VI. Va •
Montgomery, W. Va. proper
Cabin Creek Branches
St. Albans, Y7. Va. proper
Coal River, Ky.
Kewport, Ky.
Covington, Ky.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
100
C. N. 0. & T. P. R.R.
Daily Package cars from Cincinnati
Average number made Daily ~ 64
Algiers Trf. La.
New Orleans, La.
Los Angeles, Cal.
Houston, Texas.
Meridian, Miss.
Vicksburg, Kiss.
Hattiesburg, Miss.
Shreveport, L a. .
M obile, Ala.
Birmingham, Ala.
Selma, Ala.
Chattanooga, Tenn.
Chattanooga, Tenn.
Central of Georgia House
W & A House
T. A. & G. House
Sou. Ry. Trf.
Rome, Ga.
Atlanta, Ga.
Inman Yards Trf.
Ga.
Macon, Ga.
Jacksonville,Fla.
Montgomery, Ala.
Bristol, Tenn.
Knoxville, Tenn.
Spencer Trf.
Ga.
Columbia, S. C.
Ash eville, N. C.
Savannah, Ga.
Augusta, Ga.
Charlotte, N. C.
Spartanburg, S . C.
N ashville, Tenn.
Ky. 3rd Dist.
Ky. 2nd Dist.
Lexington, Ky.
Somerset, Ky.
Dayton, Tenn.
Rockwood, Tenn*
Harriman, Tenn.
Dry Ridge, Ky.
Erlanger, Ky.
Williamstown,
Ky.
Sadieville to Greendale
Midway to Lawrenceburg
Georgetown, Ky.
Burnside, Ky.
Crittendon,
Ky.
Mason to Corinth
F. & C.
Ludlow, Ky.
Moreland,
Ky.
Me Kinney,
Ky.
N ieho lasville, Ky.
Da nville, Ky.
Ky.
4th D ist.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati.
101
LOUISVILLE & HASHYILLE R.R. CO.
Daily Package Cars From Cincinnati.
Average limber Daily - 107.
East End Freight Depot.
Atlanta* Ga.
Birmingham, Ala.
Birmingham, Ala.
for S. & M. Ala. Div.
Bristol, Tenn.
Chattanooga, Tenn.
Carrollton, Ky.
Cincinnati, Div.
Climberland Valley Div.
Frankfort, Ky.
Guthrie, Ky.
Jacksonville, Fla.
Johnson City, Tenn.
for C. C. & 0. Points.
Juntal, Ga.
Knoxville, Tenn.
Knoxville, Tenn. & South.
Little Rock, Ark.
Louisville, Ky.
9th & Broa'dvray.
Water St.,
for "beyond,
L. H. & St. L. Depot.
Shelby Branch, Bloomfield,
Branch.
Lexington, Ky.
Lexington Branch
Lebanon Branch.
Smiths Switch to Lebanon &
Greensburg, Branch.
L ivingst on, Ky. ,
Mobile, Ala.
Memphis, Tenn.
Montgomery, Ala.
Macon, iila.
Mobile, Ala.
lev/ Orleans & Mobile Div.
Montgomery, Ala.
Mobile & Montgomery Div.
Paris, Tenn.
Main Stem (First Div. )
South Louisville to Bowling
Green.
Main Stem (Second Div. )
Scottsville & Eartsville Brs..
llashvi11 e, Tenn.
lashville, Tenn. & beyond,
lashvi11e , Tenn.
for N. C. & St. L. Points,
lew Orleans, La.
Roanoke, Va*
Savannah, Ga.
Pensacola, Fla.
West End Freight Dei>ot.
Atlanta, Ga.
Birmingham, Ala.
Birmingham, Ala.
S. & M. Ala. Div.
Chattanooga, Tenn.
Berry, Ky.
Butler, Ky.
Carlisle, Ky.
Oynthinana, Ky.
Cumberland ¥alley Div.
Grays to Excelsior*
Middlesboro to Horton.
Corbine, Ky.
Elizabeth, Ky.
Falmouth, Ky.
Jacksonville, Fla.
Jellico, Tenn.
Johnson, Ky.
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank - Cincinnati.
Louisville & llashville K . R. Co.
Zno:i¥illc , Tenn.
Knoxville, Tenn.
A. & 3 . Air LinfcRy.
Woodbine to Willoughby.
Kentucky Div.
Haysv i l i e , Br.
Richmond, 3r .
Bedford to L i l y .
Decoursey to Talbot.
Louisville, Ky.
L o uisville, Ky.
Water St.
LH & St. L . House.
9th & Broadway.
L exingt on, Ky.
Mac on, G-a.
Memphis, Ienn.
Memphis, Teim.
Clarksville to Springdale.
Montgomery, Ala.
103
(2)
Montgomery, Ala. Tfr.
Mobile, Ala.
Mobile, Ala.
Hew Orleans & Mobile Div.
Hashvilie, Tenn.
ITashfrille, Tenn. Tfr.
Bashbille, Tenn.
IT. 0. & St. L . Plouse.
lew Orleans, La.
jrar us,
y•
Richmond, Ky.
Richmond, Ky.
L . & A. Points.
Roanoke, Ya.
Savannah, G-a.
Winchester, Ky.
L . & E . Ry.
Winchester & West.
Mieseltoe to Jackson.
Haddix to McRoberts.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
103
Erie R.R.
Daily Package Cars from Cincinnati
Average Number Daily - 9
Mansfield, 0.
Marion Transfer, 0 .
Urbana, 0.
Binghampton, N.Y.
Salamanca, N.Y.
Bergen Trf.
New York, proper
Youngstown, 0.
Akron, 0.
J?__5-JLl
Daily Package Cars from Cincinnati
Average Number Daily - 23
New York
Bluefield, VST. VA.
Lynchburg, Va.
Roanoke, Va.
Ironton, 0.
Po rt srnouth, 0.
Hillsboro, 0 #
Sardinia, 0.
Williamson
Chesapeake & Ohio of Indiana
Daily Package Cars from Cincinnati
Average Number Daily - 9
Marion, Ind.
Muncie, Ind.
Peru, Ind.
Richmond, Ind.
Chicago, I l l s .
C . M . & St. P. Gatewood
Reproduced from the Unclassified I Declassified Holdings of the National Archives
104
Regional Bank - Cincinnati
Cincinnati Northern Ry.
Daily Package Cars from Cincinnati
Central Avenue
Lewisburg to Ohio C ity , 0.
Van Wert to Lynnetts, Ind.
Carlisle to W. Alexandria, 0.
C L
<*c
Greenville, 0.
Jackson, Mich.
N R.R.
Daily Package Cars from Cincinnati
Average Number Daily - 6
Middletown
Dayton
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Reproduced from the Unclassified I Declassified Holdings of the National Archives
1
r\ O
k
iU
Regional Bank - Cincinnati*
Cincinnati’s District Trade Relations
Ohio
Cities
Northwest,Total
Bradner
Findlay
North Baltimore.
Toledo ........
1 0 0 0 *s
721
7
48
3
663
West Central,Total .
Beliefontaine ..
Celina ........
Ke n t o n ........
L i m a ..........
Piqua .........
Sidney ....
Springfield • • « «
Troy ......
Urbana ....
Van Wert ..
1,403
70
Southwest,Total
Batavia ...
Dayton ....
Eaton .....
Feesburg ..
Felicity ..
Georgetown • * # « •
Germantown
Hamilton ..
Doveland
Martinsville
Miamisburg .
Middletown .
£>xford .....
Reading
lipley....
dlverton ..
Williamsburg
Tilmington .
^enia.....
3,005
2
6
Cities
In 1 0 0 0 '£
North Central,Total .. • •
Ashland ........
Bucyrus .......
Elyria .........
Fostoria .......
510
12
45
8l
32
92
123
6
Oakharbor ......
Sandusky .......
Tiffin .........
77
42
401
161
3
558
72
76
54
Central, Total ......
Br e m e n .........
Columbus ........
1,333
1
936
39
102
6
75
1
2
Marysville ......
Mount Vernon ....
34
139
1,915
10
1
1
20
1
South Central, Total .• •
Circleville ....
Hillsboro .......
* •
1,200
l66
10
18
550
2
5
1
278
2
4
1
4
4
83
125
Jackson ........
Leesburg .......
Manchester .....
28
2
3
10
384
Proctorville .... + ♦
Sugar Tree Ridge • «
Washington, C.H. • •
Wellston .......
3
1
135
114
2
Reproduced from the Unclassified I Declassified Holdings of the National Archives
101
Regional Bank - Cincinnati*
Trade Relations - 2.
Cities
Ohio Cont*d.
In 1 0 0 0 »s
$3,045
Akron •••••••••••
Alliance ••••«*.•
Ashtabula ......
Canton ........ .
Cleveland.....*
East Liverpool ..
281
51
31
153
1,975
Cities
In 1000*s
East Central,Total,•.. *
■Rarp^pville ••*•«
Be Hair e •••«••«•
Coshocton ••«••••
451
5
60
103
85
23
1
20 ?
37
86
73
♦
78
2
♦Less than $500
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati.
Trade Relations - 3•
Indiana
Cities
In 1000fs
Northwest, Total ... $ 526
East Chicago ....
37
56
Gary .......... .
Hammond .........
4
Indiana Harbor ..
25
Laporte........
Logansport ......
08
Michigan City ...
76
Mishawaka .......
7
South Bend ......
43
Whiting........
160
West Central, Total .
Attica ........
Brazil •••••....
Cayuga .........
Centerpoint ....
Crawfordsvilie ..
Frankfort .......
Lafayette .......
Pine Village ....
Poland
Terre Haute ..». .
636
14
46
2
1
65
20
76
1
1
410
Southwest, Total ....
Bloomington .... •
Evansville .... .
Grand View ....
Rockport.....
Tell C i t y ..... .
Vincennas.......
Washington ......
$11
65
Northeast, Total ....
Elkhart .......
Fort V/ayne ......
Goshen.........
Huntington .....
P e r u ......
Wabash •*..... ..
431
46
245
lo
53
243
20
10
5
8l
88
36
34
Cities
In 1000* s
East Central, Total ... $2,275
Anderson..........
128
Connersville .......
124
Elwood ...........
128
975
Indianapolis ......
Kokomo ............
122
Marion .......... .
129
Muncie ..... ......
199
New Castle ••••«••••
70
1
Portland ..........
Richmond ...... .
216
Shelbyville .......
107
Union City ........
53
Winchester •••••••••
25
Southeast, Total .......
Aurora.........
Austin
Columbus ..........
Crothersville ......
Greensburg .........
Jeffersonville .....
Lawrenceburg .......
Madison
New Albany
North V e r n o n ......
Seymour.... ......
Vevay .......... .
Wilmington ...... ..
958
137
3
77
2
9
145
14
3i
519
11
13
2
1
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Trade Relations- 4
West Virginia
Cities
In 1000Ta
Nortli, Total.........583
Clarksburg........145
Elkins............ 19
Fairmont.......... 95
Grafton........... 23
Morgantown........• 45
Moundsville.......40
New Martinsville.*• 10
Parkersburg*,...... 78
Point Pleasant,.... 32
Wheeling..........106
South, Total.......1,233
B e u r y ......... .
1
Bluefield*......
Charleston......
Huntington......
Montgomery......
St. Albans......
Welch...........
Williamson,.....
13
10
138
East, Total. . .
Martinsburg.....
17
17
73
441
557
Less than $500.
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
109
Trade Relations - 5.
Kentucky
Cities
In 1000fs
Cities
In 1000fs
Southwest, Total .... | 160
Paducah........
160
Southeast,Cen11- Tot...f
Somerset .........
West, Total .,.... .
Henderson......
Hopkinsville .....
Madisonville ....
Owensboro .......
Princeton ......
Northeast,Total .... .
Ashland ...........
Augusta
Carlisle .........
Catlettsburg.... .
Maysville .........
403
305
7
5
13
175
Northwest,Cen11- Tot. 1,143
Elisabethtown ...
13
Louisville ..... 1,339
East, Total ..........
Pikeville ........
Prestonburg ......
9
6
3
Southwest,Cen11 ~ Tot.
Bowling Green .•.
Southeast, Total .••••.
Middleboro ........
133
133
380
116
89
3
171
1
103
103
Northeast,Cenf1- Tot. 3,413
Carrollton .... .
1
Covington......
793
Cynthiana......
, 39
Dry Ridge .......
3
Frankfort ......
443
Newport ........ 1,048
Paris .......
88
East- Central,Total .
Danville .......
Lebanon........
Lexington ......
Harrodsburg....
Richmond.......
Winchester......
881
4
18
533
5
167
164
11
11
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Trade Relations - 6
Tennessee
Cities
In lOOO’ s
Northwest, Total,
Union C i t y . ............ . . *
Southwest, T o t a l .. . . . . . . 9 9 6
Jackson........ . . . . . . . . 17
Memphis................... ... 978
Horth West-Central,Tot.64$
Cla rk sville ............ . . 65
Franklin.............. . . . .
S
L afo llette.......... .
HOLuhanon.......................
3
Murfree shoro.......... ... 71
U ashville.................... 488
South West-Central;Tot. 55
Q o l u m M a .. . . . . . . . . . . 55
North Sast-Central,Tot. 20
d o o k e v ille ............. .
SO
South Sa^t-Central, T o t .465
Chattanooga.. . . . . . . . 4 2 9
q leveland... .............. 26
inchet-ter.............. ..
10
East , T o t a l ..................... .423
in o x v ille ........ ........... 409
Ienoir C i t y . . . , ' ........ 13
Ifarysville. . . . . . . . .
*
heast, Total........ ..
r is t o l........ ...............
ohnson City........ .
Less than 1500.
86
61
25
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Distribution
of
Package Car Shipments
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Dil
PACKAGE CAR SHIPMENTS
Ohio
Total package cars for October, 1913, 4328
Total pounds shipped October, 1913, 5 9 ,0 1 8 ,3 0 2
Cities
Pounds
in 1 0 0 0 1s
Pounds
in 1000*
Southwest, Total . . . .
Addyston & beyond
Northwest, Total . . .
Findlay..................
Toledo....................
North Central, Total . . 1 , 9 9 8
Berwick.. . . . . . . . .
31
838
Chicago Junction. . *.
Gal ion . . . . . . . . . .
348
Mansfield.. . ......... . . .
312
Sandusky............
Shelby....................
Northeast, Total . . .
Akron*. . . . . . . . . . . * • •
Cleveland and
Cities
77?
839
Carthage & beyond. ..
Clare & beyond . . .
Dayt on......................
Georgetown..............
1,7 06
532
Ham ilton.. . . . . . . . . . . 3,693
Harrison* * • • * . « . « • •* 1,572
Ivorydale & north.
876
Lockland & beyond .. 1,1 5 8
Midland....................
Miamisburg.. . . . . . .
284
Norwood & beyond..
676
Sardinia..................
West Central, Total . • . 6 , 8 6 5
West C a rr o llt o n ...
South Central, Total
..
8,053
Piqua......................
S id n e y .. . . . . . . . . . . . •
246
U rbana.. . . . . . . . . .
224
Dundas..............
Greenfield........ . . .
Iro n to n ............. ...
Portsmouth..............
Washington, C. H.
1,526
Columbus ..............
Marion ..................
1 Newark....................
E^st Central, Total . . .
Valley Junction
• ..
895
207
330
25
Athens. . . . . . . . . . . .
Grosvenor.. . . . . . . .
Marietta..................
443
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Eank - Cincinnati
112
Package Car Shipments -2Indiana
Total, package cars for October, 1913,
Total pounds shipped October, 1913,
Cities
Pound§
in 1C 001s
Northwest, Total............
Logansport..................
697
697
Northeast, T otal............2 ,1 7 0
Elkhart.............. . . . . .
482
657
Fort. Wayne..................
Leesburg.................. . . 136
M itchell.................. , .
546
Peru........................ .
349
West Central, Total . . . 1 , 2 9 3
Crawfordsville..........
21
Lafayette....................
618
Terre Haute................
655
East Central, Total . . . 9 , 3 6 8
Anderson......................
319
Connersville
883
Indianapolis.............. 3,882
Liberty ......................
349
Marion..........................
234
Muncie..........................
950
Richmond......................2,382
Rushville.......... ..
74
Shelby vi l i e ................
2 90
Cities
1,827
23,7 04,7 96
Pounds
in 1 0 0 0 ‘ s
Southwest, Total................ 2,607
Evansville......................
7 57
Montgomery......................
238
Vincennes........................
946
Washington......................
666
Southeast, T ota l................ 7 ,5 6 9
B a t e s v i l l e . . ................ .
927
.Brookville......................
590
Dillsboro & M i l a n . . . . .
356
Greensburg & beyond . . 1 , 5 7 8
Lawrenceburg & Aurora 1,591
Borth Vernon.................. 1 ,0 6 8
New Albany......................
385
Seymour............................
745
Springfield....................
229
Reproduced from the Unclassified / Declassified Holdings of the National Archives
Regional Bank ~ Cincinnati
1155
Package Car Shipments ~3~
West Virginia
Total package cars for October, 1913,
617
Total pounds shipped October, 1913,
1 0 ,5 1 5 ,2 1 2
Cities
Pounds
in 10 0 0 *s
North, Total ...... ...............
Clarksburg......................
Grafton............................
Parkersburg....................
Wheeling.....................
2 ,8 3 4
524
2S9
1,3 3 0
682
South, T o ta l........................
Bluef i e l d ........................
Charleston......................
Deep Water......................
Hinton..............................
Huntington......................
Quinnemont. . ........ .
Ronceverte......................
Thurmond...................... ..
7,681
650
2 ,0 7 0
234
618
2,654
380
597
479
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
114
Package Car Shipments -4Kentucky
Total package cars for October, 1913, 2,504
Total pounds shipped October, 1913, 34,907,035
Cities
Pounds
in 1000*8
Southwest, Total
Paducah.....
178
178
West, Total
Guthrie.
375
27 5
North West-Central,Total 7,090
Louisville & beyond.. 6,731
LaGrange.........
141
Elizabethtown.......
218
South Wsst-Central, Total
Bowling Green.......
348
348
?iorth East-Central, Total9,693
Carrollton..........
228
Covington^East ......... 841
Covington-South...... . 701
Cynthiana.........
7 92
DeCoursey............ 473
Frankfort............. 369
Falmouth............. 503
Georgetown.......... 620
Ludlow - South.......2,047
Myall...............
391
Newport - South......Iy263
Paris............... 1,466
Cities
East-Central, Total ...
Danville......... .
Lebanon...........
Lexington.........
Moberly...........
Nicholasville...*..•
Richmond..........
Winchester.........
South East-Central,Total
Burnside..........
Stanford..........
Northeast, Total.......
Ashland...........
Augusta.......... .
Carlisle..........
Catlettsburg.......
Greenup...........
Maysville.........
Mt. Sterling.......
.V&nceburg.........
Wellsburg..........
East, Total
Jackson.
Southeast, Total.......
Corbin............
Miadlesborough.....
Mistletoe..........
Pineville.........
Woodbine..........
Pounds
in 1000's
8,765
2,323
156
4,097
240
186
874
889
572
252
320
5,553
934
459
374
1,418
281
1,050
366
343
329
263
263
2,169
1,258
296
241
192
181
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
115
Package Car Shipments -5-
Tennessee
Total package cars for October, 19lS,
934
Total pounds shipped October, 1913,2 3 ,3 8 6 ,3 0 1
Cities
Pounds
in 1000*3
Northwest, Total ..................
Nashville and
connections........................
P a r is ....................................
4,5 1 9
4 ,1 3 5
384
Southwest, Total....................
Ja ck so n .. ............................
Memphis............................
North West-Central Total . .
Clarksville.......... .............
3,7 3 3
138
3,5 9 5
338
338
South East-Central, T o ta l..
Chattanooga and
connections........................
3 ,9 9 0
East, T otal..............................
Harriman..............................
J e l l i c o ................................
Knoxville............................
3 ,9 0 0
744
147
3,003
Northeast, Total.......... .
B r ist o l.................... ..........
Johnson City......................
803
629
173
3,9 9 0
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Package Car Shipments
1
-6Alabama
Total package cars for Ootober, 1913,
Total pounds shipped October, 1913,
408
6,983,553
Pounds
in 1000*8
Cities
Birmingham................... 3,84?
Mobile .......................
979
Montgomery ...................
1,921
Selma ........................ .. 337
i
Georgia
Total package cars for October, 1913,
Total pounds shipped October, 1913,
Cities
588
10,778,315
Pounds
in 1000*8
Atlanta and connections ...... . 5,713
Augusta...................... .. 754
Junta ...................... ..
114
Macon
1,639
Rome .........................
139
Savannah .....................
463
Spencer Tr....................
1,956
Mississippi
Total package cars for October, 1913,
Total pounds shipped October, 1913,
Cities
138
1,175,141
Pounds
in 1000*s
Hattiesburg ..... ...... .
Meridian ....... ........ .....
Vicksburg.......... .........
373
533
383
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Mai
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
MAILS BETWEEN CINCIHNATI AND OTHER CITIES.
Departure
Arrival
1:00
9:45
3:55
8:10
P.M.
P.M.
A.M.
A.M,
6:48
4:50
9:45
3:38
P.M.
A.A.
A.M.
P.M.
Time
H. M.
5-48
7-5
6-50
6-18
Toledo to Cincinnati
13:50
3:00
7:00
10:30
A.M.
P.M.
A.M.
A.M.
7:45
7:50
3:00
4:50
A.M.
P.M.
P.M.
P.M.
6-55
5-50
7-0
6 -30
Cincinnati to Cleveland
3:30
8:30
11:50
3:00
6:05
9:00
13:05
A.M.
A.M*.
A.M.
P.M.
P.M.
P.M.
A.M.
11:00
3:35
6:00
9:10
1:55
6:45
7:15
A.M.
P.M.
P.M.
P.M.
A.M.
A.M.
A.M.
8 - 30
6-55
Cleveland to Cincinnati 13:05
3:50
6:00
9:00
13:00
9:00
A.M.
A.M.
A.M.
A.M.
M.
P.M.
7:15
10:50
4:55
5:35
7:50
5:00
A.M.
A.M.
P.M.
P.M.
P.M.
A.M.
7-10
7 - 0
10 - 55
8-35
7-50
8-0
3:30
6:00
9:00
11:55
13:30
3:00
5:00
6:05
9:00
A.Mi
A.M.
A.M.
A.M.
P.M.
P.M.
P.M.
P.M.
P.M.
6:30
10:00
13:01
3:53
4:05
4:50
8:15
9:50
13:30
A.M.
A.M.
P.M.
P.M.
P.M.
P.M.
P.M.
P.M.
A.M.
4-0
4-0
3-1
3-3
3-45
3-50
3 - 15
3-45
3-30
1:10
3:30
6:30
7:35
10:45
13:30
3:00
4:00
5:30
A.M.
A.M.
A.M*.
A.M.
A.M.
P.M.
P.M.
P.M.
P.M.
5:00
6:30
10:30
10:50
1:55
4:55
5:35
7:50
9:10
A.M.
A.M.
A.M.
A.M.
P.M.
P.M.
P.M.
P.M.
P.M.
3-50
4-10
4-0
3-15
3-10
4-35
3-35
Cincinnati to Toledo
3:
Cincinnati to Columbus
Columbus to Cincinnati
6-10
6-10
8-50
9-45
7-10
Reproduced from the Unclassified I Declassified Holdings of the National Archives
l i b
Regional Bank,-Cincinnati
Mails #2
Departure
Cincinnati to Dayton
Dayton to Cincinnati
Cincinnati to Wheeling,W.Va.
Wheeling to Cincinnati
Time
H.R. S.M
A.M.
A.M.
A.M.
A.M.
P.M.
P.M.
P.M.
P.M.
P.M.
9:45 p .m .
4:40 A.M.
9:55 A.M.
1 0 : 1 0 A.M.
1 : 1 6 P.M.
2 : 0 0 P.M.
2:35 P.M.
4:l6 P.M.
7:45 P.M.
1 1 : 5 5 P.M.
11:30 P.M.
1
1
1
1
1
2
1
- 45
- 45
- 40
- 26
- 40
~35
- 16
- 40
- 4
- 45
3 : 2 0 A.M.
5 : 0 0 A.^M,
5:45 A.M.
7:55 A.M.
9 : 0 5 A.M.
1 1 : 5 5 A.M.
1 : 2 5 P.M.
2 : 5 5 P.M.
3:05 P.M.
6 :0 5 P.M.
9:15 P.M.
A.M.
A.M.
A.M.
P.M.
P.M.
P.M.
P.M.
P.M.
P.M.
1
2
1
1
2
1
1
1
1
2
-
2:55
8:10
8:30
11:50
12:20
1:00
3:00
6:05
9 :0 0
8:23
2:30
11:50
8 :30
12:05
A.M.
A.M.
A.M.
P.M.
A.M.
1 0 : 0 0 A.M.
7 : 1 5 A.M.
4:oo P.M.
6 : 1 0 P.M.
1 1 : 0 0 P.M.
Cincinnati to Parkersburg
Arrival
2:30
8 ; 00
12:30
6:35
A.M.
A.M.
P.M.
P.M.
7:45
9:30
10:50
2:00
3:10
4:50
^:55
7:50
11:15
^:35 P.M.
1 2 : 0 0 A.M.
1 0 : 2 0 P.M.
7 : 0 5 A.M.
3:40 A.M.
i
1
l
6 :30
S :05
10:00
2:00
6:00
12:10
0
35
45
5
45
55
50
45
0
8 - 10
9 - 30
1 0 - 30
10 - 35
8 - 35
5 : 5 0 P.M.
5:25
1:45
40
7 P.M. 1 0 A.M. 9 A.M. 1 2 A,M. 9 -
50
10
45
20
A.M.
P.M.
P.M.
A.M.
30
7 6 5 ~
5 -
5
0
30
35
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
119
MAILS #3
Departure
Parkersburg to Cincinnati
Cincinnati to Charleston W. Va,
Charleston to Cincinnati
Cincinnati to Huntington
Huntington to Cincinnati
Cincinnati to Louisville
Louisville to Cincinnati
Cincinnati to Lexington
Time
Hrs.
Min.
Arrival
11:25 A. M„ 5:15 P. M.
7:55 P. Mo 1:45 A. M.
2:38 A. M. 8:05 A. M.
2:25
M 010:15 P. M.
5
50
5 - 50
5 -27
7 - 50
7:00 A. M« 3:25 P. Mo
5:40 P. M.
12:00 M.
9:00 P. M. 2:45 A. M.
8
25
5
40
5 - 45
0
11:00 A. M. 5:00 P. Mo 6
2:25 A. M. 8:20 A.: :m . 5 - 55
2:00 P. M« 1:45 A • Mo 11 - 45
7:00 A. M. 1:15 P. M.
4:20 P. Mo
12:00 M.
9:00 P. M. 1:25 A# Mo
6 tmm 15
4 - 20
4 - 25
12:20 P. M. 5:00 P. Mo
3:50 A. M* 8:20 A. M.
4:20 A. M. 11:90 A. M.
4 mm 40
4 m. 30
6
40
2:15
7:55
9:00
11:15
2:10
6:00
10:30
A.
A.
A.
A.
P.
P.
P.
M. 7:35
Mo 11:45
18:55
Mo 2:45
M. .5:30
M. ,9:27
M. 2:10
A.
A.
P.
P.
P.
P.
A.
M.
Mo
M.
Mo
M.
M.
M,
5 ■Ml 20
3
50
3
55
3
30
3
40
3
27
3 -40
3:15
8:15
1:10
2:00
4:00
5:90
5:45
A.
A.
P.
P.
P.
E*
r
•
M. 7:20
M. 11:45
M. 4:30
M. 6:10
Mo 8:15
M. 8:45
M. 9:15
A•
A.
P.
P.
P.
P.
P.
Mo
Mo
Mo
M.
M.
M.
M.
4 - 5
3 - 30
3
20
4
10
4 . - 15
3
45
3 50
6:30
8:00
11:15
2:50
4:00
8:00
8:15
9:00
A.
A.
A.
P.
P.
P.
P.
P.
M. 9:45
M. 10:25
M. 5:20
Mo 6:40
Mo 6:45
Mo10:25
M. 7:47
M# 8:15
A,
Ao
P.
P.
P.
P.
A.
A.
M, 3
M. 2 M. 6 M. 3
M. 2 wrm
M. 2 tm
Mo 11 wm
M/ 11 aw
15
25
5
50
45
25
32
15
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
Maila #4
Departure
Lexington to Cincinnati
Cincinnati to Knoxville
Knoxville to Cincinnati
Cincinnati to Chattanooga
Chattanooga to Cincinnati
Cincinnati to Nashville
Nashville to Cincinnati
Cincinnati to Indianapolis
Time
Hrs. Min,
Arrival
M.
M.
M.
M.
M.
M.
M.
M.
M*
M.
M*
M.
37
2
—
45
2
50
3
59
3
3 ** 33
11 IM 0
8 00 A. M.
8 15 P. M.
4:34 p. M.
5:50 A. M.
8 «■» 24
9 - 35
7 00 A. M.
11 :05 A . M.
10 55 P, M.
6:30 p. M.
8:50 p. M.
7:45 A. M.
11
30
9 W 45
8 ** 50
M«
M.
5
5
7
3
6
8
33
35
35
00
37
45
A.
A.
A*
P.
P.
P.
M.
p.
A.
A.
A*
p*
M.
9 mm 55
29
15
10
10
14 - 55
16
10
M.
M.
M.
4:30
5:59
9:10
7:30
8:00
8:30
11:45
p.
p.
p.
A.
A*
A*
A*
M.
M.
M.
M.
M.
M.
M.
15
12
10
17
10
10
13
M*
M*
M.
M.
8:35
3:15
8:00
3:10
p.
A,
A*
p.
M.
M.
M.
M.
9 «a» 20
8 — 15
30
9
12 - 55
11:45 A. M.
4:30 p. M.
7:30 A* M.
8 «■* 35
8 *■* 35
10 — 45
00
15
00
15
30
A*
A.
P.
P.
P.
1
5
11
1
9
10
10
25
05
05
35
45
05
35
A*
A*
A.
P.
P.
P.
P.
M.
M.
M«
11 15
6 00
10 30
3;15
A.
P.
P.
A*
M.
M.
M.
M.
M.
3 10 A. M.
8 05 A* M.
8 35 P. M»
45
30
45
10
00
00
15
00
00
A«
A.
A•
A*
nr#
p.
p.
p.
p.
A*
A.
A.
p.
p.
A.
5:55
3:44
6:10
11:10
3:40
8
11
8
8
10
2
8
8
9
13
3
3
9
10
8:00
8:30
10:15
5:59
9:10
7:45
M*
U .
M.
M.
M.
M.
M*
M.
6:35
11:15
13:15
1:45
3:35
6:30
7:10
11:55
1:35
A.
A.
p.
p.
p.
p.
p.
p.
A.
M.
M.
M.
M«
M.
M.
M.
M.
M.
M*
M.
3
2
3
4
2
3
3
2
3
**
5
54
5
45
** 15
— 15
*■
» 20
—
«a«
—
-
-
55
45
30
35
35
20
55
55
35
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
121
Mails #5
Departure
Indianapolis to Cincinnati
Cincinnati to Evansville
Evansville to Cincinnati
Cincinnati to Terre Haute
i
Terre Haute to Cincinnati
Arrival
Time
Hrsi . Min
3:35
3:45
7:30
8:00
10:40
3:10
6:15
A.M.
A.M.
A.M.
A.M.
A.M.
P.M.
P.M.
6J30
7:10
10:55
11:35
2:15
6:10
8:50
A.M.
A.M.
A.M.
A.M.
P.M.
P.M.
P.M.
3:15
9:00
13:00
3:10
9:15
A.M.
A.M.
M.
P.M.
P.M.
13:40
7:00
9:10
3:05
5:50
P.M. 10
P.M. 10
P.M. 9
A.M. 11
A. M. 8
1:35
7:15
8:35
13:45
10:10
A.M.
A.M.
A.M.
P.M.
P.M.
11,50
4:30
6:10
8:15
7:30
A.M. 10
P.M'. 9
P.M. 9
P.M. 7
A.M. 9
3:45
8:30
9:10
13:00
3:00
9:00
10:00
A.M.
A.M.
A.M.
M.
P.M.
P.M.
P.M.
8:47
1:46
3:36
4:35
5:59
3:31
4:01
13:55
4:05
5:40
1:30
4:30
4:52
9:10
A.M.
A.M.
A.M.
P.M.
P.M.
P.M.
P.M.
7:10
10:55
11:35
6:10
8:50
10:55
6:30
3:55
7:50
9:45
1:00
3:00
8:05
9:45
10:00
A.M.
A.M.
A.M.
P.M.
P.M.
P.M.
P.M.
P.M.
11:05
3:00
4:00
‘ 8:40
13:00
1.35
6:15
8:45
3
3
3
3
3
3
3
—
—
—
—
—
55
35
35
35
35
0
35
35
0
10
55
35
—
15
15
35
30
30
A.M.
P.M.
P.M.
P.M.
P.M.
A.M.
A.M.
6
5 —
6 —
4 —
6 —
5 —
6 —
3
16
16
35
59
31
1
A.M.
A.M.
A.M.
P.M.
P.M.
P.M.
A.M.
6
6
5
4
4
6
9
15
50
55
50
30
3
20
—
—
—
—
_
—
—
— ...
—
—
-
Cincinnati to Fort Wayne
A.M. 8
P.M, 7
P.M. 6
P.M. 7
M.
9
A.M. 5
A.M. 8
A.M. 10
—
—
—
—
—
10
10
15
40
0
30
30
45
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnnati
1 2 2
MAILS #6
Departure
Fort Wayne to Cincinnati
Cincinnati to Detroit
Detroit to Cincinnati
Cincinnati to Grand Rapids
Grand Rapids to Cincinnati
Cincinnati to Buffalo
Buffalo to Cincinnati
Cincinhatiito Pittsburg
1:30
7:00
6:35
11:15
1:25
5:10
A.
A.
A.
A.
P.
P.
M.
M.
M.
M.
M.
M.
A. M.
B j5 5
8 : 1 0 A. M«
1 : 0 0 P. M.
9 : 4 5 P. M.
7:10,
2:00
12:45
5:45
7:30
6:30
A.
P.
P.
P.
P.
A.
M.
5
40
M» 7
0
M* 6
10
6
M.
30
M.
6
5
M. 13 - 20
12:30
4:40
8:55
7:10
P.
P.
P.
A.
M.
M.
M.
M.
12:15
8:20
12:01
10:45
A.
A.
P.
P.
M.
Mo
M.
M.
2:00
4:50
7:50
7:45
2:45
9:45
1:00
8:05
9:45
10:00
A. M.
A. M.
P. M.
P. M.
P. M.
P. M,
5:20
10:20
6:31
6:45
1:05
1:25
7 : 3 0 A. M*.
8 : 5 0 P. M.
Time
Hrs. Mjng
Arrival
-
-
-
9
^ 2 5
8
mm
30
55
25
P. M. 13 mm
8 mm
P.l \fi.
7 mm
P. M.
A. M.
9 -
45
30
39
0
P. M.
P. M.
A.M.
A • M*
P. M.
P. M.
7
9
14
35
12 - 35
17
31
10
40
15 inn 20
15 - 25
7 : 3 0 P. M. 12
0
7 : 1 0 A. M« 10 te* 20
Mm
2:30
8:30
11:50
3:00
6:05
9:00
12:05
A.
A.
A.
P.
M.
M.
M.
M.
f . M.
P. M«
A • M.
3:55
8:25
11:59
3:03
6:30
11:45
1:50
P.
P.
P.
1.
A.
A.
P.
M.
M.
M.
M.
M.
M.
M.
13 mm
11 m,
12
12
12
14
13 -
25
55
9
3
25
45
45
3.2:09
3:35
7:15
12:35
6; 10
A.
A,
A.
P.
P.
M*
M.
M.
M.
M*
10:50
1:55
7:50
5:30
7:15
A.
P.
P.
A.
M.
M.
M.
M.
M.
10 mm
10 mrn
12
16
13 -
41
20
35
55
5
2:30
9:00
2:00
9:00
5:00
12:05
A o M.
A * M.
2:15
5:35
9:55
6:15
2:05
8:55
P.
P.
P.
A.
A.
A/
P*
P.
P.
A.
M.
M.
M.
M.
A
•
-
-
M. 11 mm 45
M* 8 -* 35
Mo 7
55
9
M.
15
9 mm 5
M.
8
M.
5©
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
1 23
m a s .#?
Uepar'1Sure
Pittsburg to Cincinnati
Cincinnati to Atlanta
Atlanta to Cincinnati
Cincinnati to Birmingham
Birmingham to Cincinnati
Cincinnati i to Memphis
his to Cincinnati
1 2 :2 5 A.M.
3 :02 A.M.
4 :05 A.M.
8:1 5 A.M.
I I : 30 A.M.
7:50 P.M.8:00
11:15
8 :0 0
10 :3 0
A.M.
A.M.
P.M.
P.M.
7:12
8 :00
8:3 5
■5:10
8:50
A M
A.B.
•A.M.
P.M.
P.M.
8:00
1 1 :1 5
6 :0 0
8:00
10:30
6 :25
12:22
4 :0 0
6 :0 5
8:45
12:01
Dime
Hr s. Min.
•Arrival
10
10
12
5
9
6
30
60
20
25
IC
30
9 50
7 10
II*,00
7 35
A »M.
A • M.
p ?>,*
I JiT
I . Isi.
A.M.
10
7
8
9
9
10
-
5
48
15
10
40
40
P. K.
V
'
A. /*T
A. T
*•.■
*•
P. ¥
13
50
19: - 55
15 - 0
19 - 5
50
20
20
45
30
P. M.
A. M.
A. M.
*
A. 14*
T
i
f
f
P. M.
13 «■ 38
23 - 40
9%
£
** - 5
14 - 35
19 - 40
A.M,
;5
<An• T
La*
*
D
T
»
** *T
P.M.
P.M.
10; 20
3 .50
8* 25
10: 15
3 .25
P. TmT
A. T.r
A. M,
A. M.
P. M.
14
16
14
14
16
A.M.
P.M.
3?«M,
P ?r
P.M.
A.M.
9
7
8
8
II
4
I OP. i.:.
20 A . M.
00 A. M.
20 A . M.
45 A, M.
30 P. M.
14
18
16
14
15
16
6:00 P.
re : so p .
2:15 'A.M
. 8:20 A.M
II: 15‘A.E
8:40 P.if
1:00 P.M
6 :3 5 A.I.!
8
7
7
7
4
8:15
3 :2 0
11:25
I I ;25
M.
M.
7Y45
11:45 A M.
7 :2 0 A
9:1 5 P I#
„ 20
- 35
- 25
15
** 55
_ 45
- 58
- 0
- 15
- 0
-29
14
16
15
50
21
10
15 20
15
18
14
5
30
20
40
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank ~ Cincinnati
Mails #8
Timi
Departure
Cincinnati to St. Louis
St. Louis to Cincinnati
Cincinnati to Springfield, 111.
Springfield to Cincinnati
Cincinnati to Peoria., 111.
Peoria to Cincinnati
Cincinnati to Chicago
Arr ival
3.15
9.00
9.10
13.00
9.15
3.00
3.15
A.
A.
A.
X.
P.
P.
P.
M.
M.
M.
1.30
9.00
13.00
9.15
11.00
11.50
A.
A.
I.
P.
P.
P.
M.
M.
Hr s.
P.M.
P.*I.
P.iL
P.!I.
A.M.
A.M.
A. M.
11 - 30
9 - 0
10 - 37
8 - 15
10 - 13
10 *•* 56
10-— 41
M.
M.
M.
11.50
6.10
8.15
7.30
8.30
11.35
A.
P.
P.
A.
A.
A.
M.
M,
M.
M.
M.
M.
10 -30
9-10
8 ** 15
10 ~ 15
9 - 30
11 - 45
3.45 A. M.
9.00 A. M.
13.00 M•
9.00 P. M.
10.00 P. M.
3.50
8.04
11.00
8.55
8.55
P.
P.
P.
A.
A.
M.
M.
M.
M.
M.
13
11
11
11
10
3.30 A. M.
11.00 A. M.
8.00 P. M.
3.15 P. M.
10.55 P. M.
7.10 A. M.
11 — 45
11 -55
11 — 10
3.45
6.40
10.30
10.30
7.35
1.30
13
10
13
10
10
15
3.45
8.30
9.10
13.00
9.00
A.
A.
A.
M.
P.
P.
M.
M.
M.
M.
M.
M.
M.
7.35 A. M.
11.30 A. M.
8.00 P. M.
8.30
13.00
9.00
3.00
3.45
8.45
10.00
9.10
9.30
A.
M.
P.
P.
A.
A.
P.
A.
P.
M.
M.
n.
M«
M.
M.
M.
M.
1.45
6.00
7.47
8.15
7.38
1.56
1.56
P.
P.
P.
P.
A.
P.
U.
M.
M.
M.
M.
M.
6.10 P. M.
8.50 P. M.
7,10 AS M.
5.00 P.
7.55 Pi
7.10 A.
11.15A.
13.35 P.
5.40 P.
7.03 A.
5.45 P.
7.10 A.
M.
M|
M.
M.
M.
M.
M.
M.
M.
- 5
- 4
- 0
- 55
-55
- 0
- 10
— 30
- 30
-35
- 30
10 - 45
9 - 30
11 *■* 10
8 37 r
10 10 9 8 9 8 9 -
30
55
10
15
40
55
3
35
50
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati
125
Mails #9
Departure
Chicago to Cincinnati
Cincinnati to New York
New York to Cincinnati
Cincinnati to Washington
Washington to Cincinnati
9:25
12:45
9:05
2:30
9:20
10:05
9:50
11:45
A#
P.
P,
A.
2:30
9:00
2:00
5:00
9:00
12:05
2:45
8:04
2$04
6:00
6:56
8:34
9:21
12:05
8 :00
12:30
2:00
6:35
9:00
6:10
9:50
7:10
11:35
6:10
7:15
5:55
8:00
P.
P.
A•
A.
P.
A,
P.
A.
M.
M.
M.
M«
M.
M#
M.
M.
A. M.
A. M.
P. M.
P. M .
P. M.
A* M*
3:45
6:54
9:28
1:50
7:26
11; 18
A*
■A.
A.
P*
P.
P.
M. 24
M. 19
M. 18
M. 19
M. 21
M. 22
A# M.
A. M.
P. M.
P. M.
P. M#
P. M.
P. M.
9:10
5:00
10:30
10:50
1 2 :2 0
. 5:25
5:25
P.
A.
A*
A#
P.
P.
P.
M.
M.
M.
M.
M.
M.
M.
A.
P.
A.
P.
A.
A.
P.
P.
P.
P*
M.
M. '
M#
M#
M0
M#
M#
M.
Time
Hrs. Min#
Arrival
M.
M.
M.
M.
M.
M.
1 2 : 4 0 A. M.
7:00* A* Mc
3 : 0 9 P. M*
3 : 1 § P. M.
5 : 4 5 P. M.
6 : 4 5 P. M.
1 1 : 1 0 Po M t
t
10:30
2:35
' 6:30
8:40
12:35
- 3:40
5:15
1:45
8:05
8:20
10:50
12:20
P. M.
A . M#
A. M«
A. M.
P. M.
P. M#
P.
A,
A.
A.
A.
8 -i
8 10 •»
9
8 M
9 88 -
19
21
21
17
18
21
21
•m
—
am
mm
**
m$
15
54
28
50
26
13
25
56
26
50
24
51
04
21 mm 25
17 mm 35
17 mm- 0
17 mm 40
17 mm 0
17 - 40
Mo 17
Mo 19
M. 18
M.
M.
M.
5:00 P. M.
Mi"
45
05
05
05
50
10
05
15
18
18
18
18
35
45
mm 05
mm
05
mm
C6
mm
35
im 50
mm
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Articles Included in
Monthl}?- Report of the Chamber of Commerce
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank
1 2 6
Articles Included in Monthly Report
of the
Chamber of Commerce.
Cereals, Grain and Farm Products —
BarleyCorn
Oats
Rye
Wheat
Bran
Flour
Malt
Malt Sprouts
Hay
Cottonfbales
Cotton Seed
Straw
Hops
Clover Seed
Timothy Seed
Other Seeds
Hemp
Broom C o m
Coal & Coke —
Coal, Bituminous
Coal, Anthracite
Coke
Fruits, Vegetable 5,Produce, BairyPro&ucts—
Apples
Bananas
Dried Fruits
Green Fruits
Lemons
Oranges
Butter
Sutterine
Eggs
Potatoes
Vegetables
Onions
Watermelons
Poultry
Fish
Flax Seed
Groceries —
Beans
Candles
Coffee
Cheese
Mqlasses
Rice
Salt
Soap
Sorghum
Starch
Sugar
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Regional Bank - Cincinnati.
Articles- Chamber of Commerce #
127
Live Stock and Products —
Cattle
Hogs
Sheep
Horses
Fresh Meats
Salt Beef
D* S. Meats, Loose
3). S. Meats, Boxes
Bacon
Ham
Lard
Pork
Hides
Leather
Tallow
fool
Manufactured Articles —
Agricultural Implements
Automobiles, pieces
Boots & Shoes
Cooperage
Frtmiture
Glassware
Machinery
Vehicles, in cars
Vehicles, number
Staves
Cross Ties
Other Manufactures,pieces
Metals, Building Materials, Oils—
Lime, Cement, Plaster
Brick
Lumber
Hails
Oil
Rosin
Stone
Iron Pipe
Scrap Iron
Iron and Steel
Iron, Pig
Pig Lead
White Lead
Petroleum
Stearine
Turpentine
Wines and Liquors, Tobacco
Alcohol
Ale, Beer and Porter
Whjiskey
Wi|nes and Liquors, barrels
Fi/ines and Liquors,100 ibb. Pkgs*
Leaf Tobacco, hogsheads
Leaf Tobacco, cases
Manufactured Tobacco ,
Miscellaneous —
A sphalt
Fe athers
FeUtilizers
Gr ease
Pap er
Dr ied Grains
Phosphate Rock
Tankage
Soda Ash
Merchandi se
Bark
@FedFRASER