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OF THE CITY OF NewYoRK 1629 ERCHANTS EXCHANGENATIONALBANK ESTABLISHED (SEE INSIDE FRONT COVER) I ■ - WITH THE HEAD OFFJC IS, B1SHOPSGATE, LONDON, E. C PRINCES STIIEET OFFICE: LOMBARD SY {UNION) 2, PRINCES ST.. £. C. 2. VET OFFICE: (SMITHS) I. LOMBARD ST., E. C. 3 CORNHiLL CJFiCE: (PRESCOTT’S) 5$, CORNI'ILL, E. C. J, hi numerous Branches in IN NEWYORK We are still New York correspondents for nine out of town banks who opened accounts with us in the following years: 1829 1829 1831 1836 1839 1849 1829 Phineas C. Lounsbury Chairman Herman D. Kountze President Edward K. Cherrill Vice-President Gilbert H. Johnson Vice-President Kimball C. Atwood Vice-President Charles F. Junod Vice-President Frank E. Andruss Cashier John P. Laird Asst. Cashier John H. Brennen Asst. Cashier Hugh M. Garretson Asst. Cashier John H. Trowbridge Asst. Cashier George M. Broemler 1851 1863 1865 We offer this time tested service to you. Capital, Surplus and Undivided Profits $2,000,000 ATLANTIC National Bank Broadway-Opposite CifyHall Manager Freight Dept. THE NATIONAL PARK BANK of New York ...OFFICERS RICHARD DELAFIELD > GILBERT G. THORNE JOHN C. VAN CLEAF WILLIAM 0. JONES - MAURICE H. EWER - GEORGE H. KRETZ - ERNEST V. CONNOLLY WILLIAM A. MAIN - FRED’K 0. FOXCROFT J. EDWIN PROVINE - WILLIAM E. DOUGLAS HENRY L. SPARKS - BYRON P. ROBBINS - . PERCY J. EBBOTT - JOHN B. HEINRICHS LOUIS H. OHLROGGE ■ HUGO E. SCHEUERMANN JAY 0. RISING - - WILLIAM C. KACAVOY RALPH L. CERERO - - - President Vioe-President Vice-President Vice-President Vice-President Vice-President ■ - - Cashier - Asst. Cashier - Asst. Cashier - Asst. Cashier * Asst. Cashier - Asst. Cashier - Asst. Cashier Asst. Cashier ■ Asst. Cashier ■ Asst. Cashier ■ Asst. Cashier - Asst. Cashier - Asst. Cashier Trust Offcer • Organized 1 856 Capital $ 5,000,000.00 Surplus and Undivided Profits 20,000,000.00 Deposits (Dec. 31, 1919) 207,000,000.00 Issues Letters of Credit for Travelers Available In All Parts of the World DIRECTORS RICKARD DELAFIELD FRANC S R. APPLETON CORNELIUS VANOERBILT tHABESi' g. Thorns RICHARD H. WILL,AMS THOMAS F. VIETOR JOHN 6. MILBURN WILLIAM VINCENT ASTOR JOSEPH D. OLIVER ROBERT $$$$$ LEWIS CiASS LEDYARD, HORACE C. STEBBINS VAN CLEAF C. TAYLOR I. GOODRICH A Nation-wide Organization he national city company T buys and sells Bonds and Short Term Notes and has always at its disposal a wide range of Bank and Bankers’ Acceptances. It has departments specializing in United States Government, Municipal, Railroad, Public Utility,Industrial and Foreign Government securities. It also maintains a Tax Department. The facilities of all these departments are open to the free use of banks, dealers and private investors. Correspondent Offices in more than fifty cities are maintained by the Company. Many of them are in constant touch with the New York head quarters and with other Correspondent Offices through about 10,000 miles of private telegraph wires. We suggest that you call upon the office nearest you for any investment service you may need. The National City Company Main Officf—National City Bank Building Uptown Office—Fifth Avenue and Forty'third Street Principal Correspondent Offices ALBANY, N. Y. Ten Eyck Bldg. ATLANTA, GA. 140 Peachtree St. ATLANTIC CITY, N. J. Chalfonte Block BALTIMORE, MD. Charles & Fayette Sts. BOSTON, MASS. 9 State St. BUFFALO, N. Y. Ellicott Square Bldg. CHICAGO, ILL. 137 So. La Salle St. CINCINNATI, OHIO Fourth Nat’l Bank Bldg. CLEVELAND, OHIO Guardian Bldg. DENVER, COLO. NEW ORLEANS, LA. 718 17th St. 301 Baronne St. DETROIT, MICH. OMAHA, NEB. 147 Griswold St. First Nat’l Bank Bldg. HARTFORD, CONN. PHILADELPHIA, PA. Conn. Mutual Bldg. 1421 Chestnut St. INDIANAPOLIS, IND. PITTSBURGH, PA. Fletcher Sav. & Trust Bldg. Farmers’ Bank Bldg. KANSAS CITY MO. PORTLAND, ME. 1017 Baltimore Ave. ' Union Mutual Bldg. LOS ANGELES, CAL. PORTLAND, ORE. 507 So. Spring St. Yeon Bldg. MILWAUKEE, WIS. PROVIDENGE, R. I. First Wis. Nat’l Bank Bldg. Industrial Trust Bldg. MINNEAPOLIS, MINN. RICHMOND, VA. Builders Exchange Bldg. 923 E. Main St. NEWARK, N. J. ROCHESTER, N. Y. 790 Broad St. Wilder Bldg. TORONTO, CANADA, 10 King St., East. 3 SAN FRANCISCO, CAL. 424 California St. SEATTLE, WASH. Hoge Bldg. SPRINGFIELD, MASS. Third Nat’l Bank Bldg. ST. LOUIS, MO. 415 Olive St. ST. PAUL, MINN. Merchants’ Nat’l Bank Bldg. WASHINGTON, D. C. 741 15th St., N. W. WILKES-BARRE, PA. Miners’ Bank Bldg. LONDON, E. C„ 2 ENG. 34 Bishopsgate MONTREAL, CANADA, 74 Notre Dame St., West FOUNDED 1852 Commercial Credits Foreign Exchange Investment Securities Letters of Credit Travelers’ Checks Imports and Exports Financed and Forwarded Drafts and Remittances on Europe Write for Particulars TJTE have an arrangement under which banks and bankers can draw their own drafts on European countries and remit money to residences of payees in places with or without banking facilities. Forms supplied free of charge. Representative Correspondents Throughout the World Knautt) ‘Nadjofc &KuImr Members of New York Stock Exchange • Equitable Building New York City 4 H. M. Byllesby & Company INCORPORATED DIVERSIFIED INVESTMENT SECURITIES 208 South LaSalle Street CHICAGO 111 Broadway New York 10 Weybosset Street Providence Electric Securities Gas Securities Oil Securities Government Bonds State Bonds Municipal Bonds 30 State Street Boston Industrial Issues 5 LLOYDS BANK LIMITED, with which is amalgamated THE CAPITAL & COUNTIES BANK LIMITED and the WEST YORKSHIRE BANK LIMITED. HEAD OFFICE: 71, LOMBARD STREET, E.C. 3, (3Oth June, 1919.) CAPITAL SUBSCRIBED (»5=£1.) $280,751,750 CAPITAL PAID UP - 44,920,280 RESERVE FUND - - 45,356,250 DEPOSITS, &c. - -1,546,644,000 ADVANCES, &c. - - 463,924,385 THIS BANK HAS MORE THAN 1,400 OFFICES IN ENGLAND AND WALES. The Agency of Colonial and Foreign Banks is undertaken. Affiliated Banks: THE NATIONAL BANK OF SCOTLAND, LIMITED. Head Office: EDINBURGH. 124 Branches in the principal Cities and places in Scotland. LONDON AND RIVER PLATE BANK, LIMITED. Head Office: 7, PRINCES STREET, E.C. 2. 30 Branches in Argentina, Brazil, &c., Paris, New York and Lisbon. Auxiliary: LLOYDS AND NATIONAL PROVINCIAL FOREIGN BANK LIMITED. OFFICES in LONDON (60, Lombard Street, E.C. 3), PARIS (3, Place de l’Opera), BIARRITZ, BORDEAUX, HAVRE, MARSEILLES, NICE (St. Jean de Luz); BRUSSELS, ANTWERP; COLOGNE; ZURICH. 6 FEBRUARY JANUARY M s w T" 4^ 4 11 8 3 1 39 16 17 11 12 13 14 15 16 17 18 "5T~ 22 19 23 TT 18 19 20 21 22 23 24 25 31 26 25 26 27 28 29 30 31 w M 41 42 w 67 43 10 11 12 13 14 8 47 46 48 49 53 54 55 56 70 57 58 59 22 23 24 25 26 27 28 77 73 78 79 81 82 83 84 85 86 87 21 22 23 24 25 26 27 91 60“ 88 28 29 30 31 MAY w 72 14 15 16 17 18 19 20 29 JUNE w M 71 10 11 12 13 7 8 74 50 15 16 17 18 19 20 21 APRIL M M 32“ 10 10 15 12 s MARCH M w 122 1 100 101 8 9 10 107 104 123 124 2 3 ToT ITT ITT 18 19 20 21 22 23 24 116 137 138 142 139 145 174 175 176 20 21 22 23 24 25 26 146 181 23 24 25 26 27 28 29 25 26 27 28 29 30 13 14 15 16 17 18 19 143 16 17 18 19 20 21 22 144 121 118 167 10 11 12 13 14 15 11 12 13 14 15 16 17 in 10 11 12 132 182 27 28 29 30 ITT 152 30 31 w M 186“ 187 188 M w 183 1ST 185 214 215 217 1 2 3 1 2 221 2 22 S 189 191 5 6 7 193 194 195 19 0 nr 9 10 197 202 203 204 205 206 18 19 20 21 22 23 24 20 7 208 209 2To“ 211 212 213 25 26 27 28 29 30 31 w 235 279 259 2TT 225“ 226 236 24T T5T W TTT 7TT 2TT T5T 17 18 19 20 21 22 23 4 255 227 231 232 233 10 11 262 234 237 12 13 14 15 16 17 18 263 244 JTT" 3 07 1 2 DECEMBER 311 336 5 6 1 310 ttt 7TV ITT 7TV w M rrr 318 7 8 9 10 11 12 13 nr w W TTT nr nr 37V 14 15 16 17 18 19 20 37V 37V 77V 274 271 26 27 28 29 30 w 306 269 264 19 20 21 22 23 24 25 270 29 30 31 2 TsT TIT T3T 248 1 NOVEMBER 10 11 12 13 14 15 16 27T 233 M 3 4 5 6 7 8 9 2TT1 22 3 22 23 24 25 26 27 28 F 1 2 73 245 220 15 16 17 18 19 20 21 2TT 276 rr. 219 4 5 6 7 229 OCTOBER M w M 218 8 9 10 11 12 13 14 223 138 11 12 13 14 15 16 17 2~00~ 201 SEPTEMBER AUGUST JULY tzv 330 TJT 332 21 22 23 24 25 26 27 wr 341 342 343” 337 338 344 345 3W 355 356 357 358 359 364 365 rrr 3TT ITT nr 28 29 30 26 27 28 29 30 31 367 19 20 21 22 23 24 25 24 25 26 27 28 29 30 7 nr 5 6 7 8 9 10 11 rrv nr 349 nr nr 352 353 12 13 14 15 16 17 18 TTT 75T" TC7T T5T“ nr T5T T5T 31 339 2 3 4 366 Barclays Bank Limited WITH WHICH HAS LATELY BEEN AMALGAMATED THE LONDON PROVINCIAL S SOUTHWESTERN BANK LIMITED LONDON, ENGLAND AND OVER 1400 BRANCHES AUTHORIZED CAPITAL ISSUED CAPITAL - AMOUNT PAID UP - RESERVE FUND - - DEPOSITS.......................... $ 100,000,000 71,051,780 40,000,000 35,000,000 1,409,720,000 FREDERICK CRAUFURD GOODENOUQH, ESQ., - - - Chairman SIR HERBERT HAMBLING,................................ Deputy-Chairman EDMUND HENRY PARKER, ESQ.,..........................Vice-Chairman General Managers: WILLIAM FAVILL TUKE, ESQ. WILLIAM CARRUTHERS, ESQ. EVERY DESCRIPTION OF BANKING BUSINESS UNDERTAKEN The Bank has over 1400 branches in England and Wales and agents and correspondents throughout the World and is therefore very favorably situated to undertake the repre sentation in Great Britain of American banks and bankers. FOREIGN BRANCH: 168 Fenohurch Street, London, E. C. 3. London Joint City and Midland Bank Limited. ESTABLISHED Authorised Capital Subscribed Capital Paid-up Capital $42,079,337 - 18 3 8. - $207,250,000 - $178,360,590 Reserve Fund $42,079,337 DEPOSITS (June 30, 1919) $1,858,273,000 Head Office: 5, THREADNEEDLE STREET, LONDON, E.C.2. Telegraphic Address: “CIMIDHO, STOCK, LONDON.” Overseas Branch: 65 &66, OLD BROAD STREET, LONDON, E.C.2. Telegraphic Address: “CINNAFOREX, STOCK, LONDON.” Foreign Banking business of every description undertaken. ---------*--------- 1370 OFFICES IN ENGLAND AND WALES. The Rt. Hon. R. McKENNA, Chairman 8 Rand msnally BANKERS DIRECTORY BANKERS <REGISTER> WITH LIST OF ATTORNEYS Official Numbering Agent for American Bankers Association THE BANKERS’ BLUE BOOK January 1920 Edition 88th EDITION 48th YEAR A Consolidation of RAND McNALLY BANKERS DIRECTORY FOUNDED 1872 THE BANKERS REGISTER FOUNDED 1888 BANKERS DIRECTORY (Homan’s and Sharp & Alleman’s Edition) FOUNDED 1845 (Oldest Bank Directory in the United States) See Page 13 for Alphabetical Table of Contents RAND McNALLY & COMPANY, Publishers Rand McNally Building CHICAGO (Head Oftice) NEW YORK 9 a Copyright, 1883, by Rand McNally & Company. January Edition. Copyright, 1883, by Rand McNally & Company. July Edition. Copyright, 1884, by Rand McNally & Company. January Edition. Copyright, 1884, by Rand McNally & Company. July Edition. Copyright, 1885, by Rand McNally & Company. January Edition. Copyright, 1885, by Rand McNally & Company. July Edition. Copyright, 1886, by Rand McNally & Company. January Edition. Copyright, 1886, by Rand McNally & Company. July Edition. Copyright, 1887, by Rand McNally & Company. January Edition. July Edition.® Copyright, 1887, by Rand McNally & Company. Copyright. 1888, by Rand McNally & Company. January Edition. Copyright, 1888, by Rand McNally & Company. July Edition. Copyright, 1889, by Rand McNally & Company. January Edition. Copyright, 1889, by Rand McNally & Company. July Edition. Copyright, 1890, by Rand McNally & Company. January Edition. Copyright, 1890, by Rand McNally & Company. July Edition. Copyright, 1891, by Rand McNally & Company. January Edition. Copyright, 1891, by Rand McNally & Company. July Edition. Copyright, 1892, by Rand McNally & Company. January Edition. Copyright, 1892, by Rand McNally & Company. July Edition. Copyright, 1893, by Rand McNally & Company. 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July Edition. Copyright, 1910, by Rand McNally & Company. Copyright, 1910, by Rand McNally & Company. Copyright, 1911, by Rand McNally & Company. Copyright, 1911, by Rand McNally & Company. Copyright, 1912, by Rand McNally & Company. Copyright, 1912, by Rand McNally & Company. Copyright, 1913, by Rand McNally & Company. Copyright, 1913, by Rand McNally & Company. Copyright, 1914, by Rand McNally & Company. Copyright, 1914, by Rand McNally & Company. Copyright, 1915, by Rand McNally & Company. Copyright, 1915, by Rand McNally & Company. Copyright, 1916, by Rand McNally & Company. Copyright, 1916, by Rand McNally & Company. Copyright, 1917, by Rand McNally & Company. Copyright, 1917, by Rand McNally & Company. Copyright, 1918, by Rand McNally & Company. Copyright, 1918, by Rand McNally & Company. Copyright, 1919, by Rand McNally & Company. Copyright, 1919, by Rand McNally & Company. Copyright, 1920, by Rand McNally & Company. 10 January Edition July Edition. January Edition. July Edition. January Edition. July Edition. January Edition. July Edition. January Edition. July Edition. January Edition. July Edition. January Edition. July Edition. January Edition. July Edition. January Edition. July Edition. January Edition. J uly Edition. January Edition. Rand - Me Nally BANKERS DIRECTORY INKERS AND The Register WITH LIST OF ATTORNEYS Official Numbering Agent for American Bankers Association 88th EDITION JANUARY, 1920 4 8th YEAR Announcement E take pleasure in announcing the absorption by the RAND-McNALLY BANKERS DIRECTORY of the BANKERS REGISTER (Blue Book), for many years published by The Credit Company of Chicago, and the combining of the names of these two well-known publications, beginning with the Eighty-sixth Edition of c&he ‘Tfand-McNally $angers Directory. Some years ago, the BANKERS REGISTER absorbed the BANKERS DIREC TORY, HOMAN’S and SHARP & ALLEMAN’S EDITION, so that the present Directory is a consolidation of the three best known Bankers’ Directories published in this country. We believe that this consolidation is for the best interests of all concerned and we feel sure that the banks throughout the country will welcome this move on the part of. the publishers of the RAND-McNALLY BANKERS DIRECTORY. We assure our patrons that, as in the past, nothing will be left undone by us in our effort to give them a Directory as nearly perfect as experience, continued vigilance, time, and money will make it and we welcome suggestions for the betterment of this service. We wish to impress our constantly increasing number of friends and patrons that the claims of this publication for your patronage are: 1. It is honestly revised twice a year. 2. It is complete, up to date and is published nearer to the date of the information it contains than is any other similar publication. 3. It is printed in tabulated form, all similar items being placed in the same column, for the purpose of comparison—more expensive for us, more satisfactory for your purpose. 4. It is beautifully printed in clear, readable type. 5. It gives to advertisers a country-wide circulation, covering a majority of the best banks in America and thousands of the large corporations and lawyers offices, a circulation three times that of any other similar publication and larger than that of any other financial publication in America. W In Short, it is an Honest Product We hope that the results of our efforts may meet with your continued approval and we thank you for your patronage. RAND McNALLY & COMPANY, Publishers Rand-McNally Building Chicago (Head Office) - 11 - New York INDEX JANUARY, 1920, EDITION States and Territories. Alabama................................ Alaska..................................... Arizona................................... Arkansas................................ California..................... Colorado................................ Connecticut......................... Cuba....................................... Delaware.............................. District of Columbia......... Florida'................................... Georgia;................................... Hawaiian Islands.............. Idaho ..................................... Illinois.................................... Indiana.................................. Iowa....................................... Kansas.................................... Kentucky............................. Louisiana.............................. Maine..................................... Maryland.............................. Massachusetts..................... Michigan.............................. Minnesota............................ Mississippi............................ Missouri................................ Montana.............................. Nebraska.............................. Nevada................................... New Hampshire................... New Jersey......................... New Mexico......................... New York.............................. Banks. Map. PAGE. PAGE. Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed On Index Ala. On Index Alsk. On Index Ariz. On Index Ark. On Index Cal. On Index Colo. Opp. New Haven Opp. West Indies On Index Md. On Index D. C. On Index Fla. On Index Ga. On Index Hawaii On Index Ill. Opp. Chicago On Index Ind. On Index Iowa On Index Kas. On Index Ky. On Index La. On Index Maine On Index Md. On Index Mass. On Index Mich. On Index Minn. On Index Miss. On Index Mo. On Index Mont. On Index Neb. On Index Nev. On Index N. H. On Index N. J. On Index N. Mex. On Index N. Y. States and Territories. Banks. Map. PAGE. FAGS. North Carolina................ North Dakota....................... Ohio..................................... Oklahoma............................ Oregon ................................. Pennsylvania.................... Philippine Islands............ Porto Rico......................... Rhode Island..................... South Carolina................ South Dakota................... Tennessee............................ Texas ................................... Utah..................................... Vermont............................. Virginia................................ Washington....................... West Virginia................... Wisconsin............................ Indexed Indexed Indexed Wyoming.................................. Indexed Dominion of Canada ... Alberta............................ British Columbia .... Manitoba....................... New Brunswick............ N ewf oundland.............. Nova Scotia.................. Ontario............................ Prince Edward Island Quebec............................ Saskatchewan.............. St. Pierre et Miquelon Yukon.............................. Mexico................................ Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed Indexed On Index N. C. On Index N. D. On Index Ohio On Index Okla. On Index Ore. On Index Penna. On Index Phil. Is. Opp. West Indies On Index R. I. On Index S. C. On Index S. D. On Index Tenn. On Index Tex. Opp. Salt Lake C. On Index Va. Opp. Norfolk On Index Wash. On Index W. Va. On Index Wis. On Index Wyo. On Index Can. On Ind. Can. On Ind. Can. Opp. Winnipeg Opp. Halifax Ind. Can. Opp. Halifax Opp. Toronto Opp. Halifax Opp. Montreal Ind. Can. Ind. Can. Ind. Can. On Index Mex. MISCELLANEOUS MAPS PAGE. Minneapolis, Minn.....................................Opposite Minneapolis Africa......................................... .Opposite Africa (Foreign List) Bank Transit map (A. B. A. Num. System) Opposite 18 New York City, N.Y...................................... ‘ New York City Boston, Mass................................................................... “ Boston New York City (Greater N.Y. and vicinity) * ‘ New York City Philadelphia Boston and Vicinity................................................... “ Boston Philadelphia, Pa..................................................“ Buffalo, N. Y.................................................................. “ Buffalo Philadelphia, Pa. (Vicinity Map)................ “ Philadelphia Philadelphia and Environs............................ “ Philadelphia Chicago, Hl.................................................... “Chicago Cincinnati, Ohio......... ................................................. “ Cincinnati Pittsburgh, Pa. (Main Portion)................... “ Pittsburgh St. Louis Cleveland. Ohio........................................................... “ Cleveland St. Louis, Mo....................................................... “ St. Paul Denver, Colo................................................................... “ Denver St. Paul, Minn......... «......................................... “ Seventh Federal Reserve District................ “ Chicago England..................................................... ............. On Index London South America.....................................................“ S. Amer.. (For Europe.................................................................... On Index Foreign eign List.) Federal Reserve Districts................................... Opposite 12 12 Indianapolis, Ind..................................................... Indpls. United States..................................... ................“ ............................................ “ Kan. City Washington, D. C....................................................... Index D. C. Kansas City, Mo. ............................................. “ Los Angeles West Indies..........................................................Index S. Amer. Los Angeles, Cal. ............................................ “ Milwaukee World.............................................................................. Opposite 16 Milwaukee, Wis.. MISCELLANEOUS CONTENTS For alphabetical arrangement of subjects and guide for use of Directory, see page 13. Foreign Banks, Bonded Lawyers, Laws, Accessible Towns, and Directors are thumb indexed in back of this volume. 12 — AUSTRALIA and NEW ZEALAND. BANK OF NEW SOUTH WALES $20,000,000.00 15,500,000.00 20,000,000.00 $55,500,000.00 $335,379,352.00 340 BRANCHES and AGENCIES in the Australian States, New Zealand, Fiji, Papua (New Guinea), and London. The Bank transacts every description of Aus tralian Banking Business. Wool and other Produce Credits arranged. Head Office: GEORGE STREET. SYDNEY London Office: 29, THREADNEEDLE STREET. E. C. 2 The Commercial Banking Company of Sydney, Limited. ESTABLISHED 1834. INCORPORATED IN NEW SOUTH WALES 1893. ; Capital Paid up £2,382,018. Reserve Fund and Undivided Profit 2,198,814. Reserve Liability of Proprietors - 2,500,000. |l| 1 B £7,080,832. HEAD OFFICE —SYDNEY, NEW SOUTH WALES. LONDON OFFICE—18, BIRCHIN LANE, E. C. SYDNEY BOARD G. J. COHEN, Esq., Chairman. JAS. W. MacARTHUR ONSLOW, Esq. Hon. H. E. KATER, M. L. C., Deputy-Chairman. OWEN E. FRIEND Hon. H. MOSES, M. L. C. Sir THOMAS ALLWRIGHT DIBBS, Hon. Director. H. H. MASSIE, General Manager. LONDON BOARD Rt. Hon. Lord PLUNKET, G. C. M. G., K. C. V. O. K. B. E. Hon. HENRY S. LITTLETON. Chairman. F. A. SCRIVENER, Manager. NEVILLE D. COHEN, Esq. J. H. GREENFIELD. Accountant. 209 Branches in New South Wales and Queensland AGENTS AND CORRESPONDENTS THROUGHOUT THE WORLD The American Audit Company PUBLIC ACCOUNTANTS HOME OFFICE: 100 Broadway NEW YORK CITY Established Since 1899 Without Change In Management F. W. LAFRENTZ, C. P. A. (N. Y.). President BRANCHES Waldorf-Astoria, N. Y. Chisaoo Scranton Boston Philadelphia Atlanta Washington, D. Richmond Milwaukee Baltimore New Orleans London, E C.. Eng. Certified Statements prepared for Banks show= ing the Financial Condition of Customers desiring Credit TABLE OF CARDINAL NUMBERS AND COMMERCIAL TERMS IN TEN LANGUAGES ENGLISH. 1 2 3 4 5 6 7 Q g 10 11 12 13 14 IS 16 17 18 19 20 91 20 40 50 Onft T wo Un. Deux. Thrftft Four Fivft Six. Trois. Quatre Cinq Sftvpn Fight Ninft "Ppn Eleven Twelve Thirteen Sept,. Fonrt een Fifteen Quatorze . . Sixteen Seize 80 90 100 1000 Six. . Huit Neuf................ Dix......... Onze Douze Trei ze Quinze Dix-sept, Dix-huit. Dix-neuf Vingt,. Twenty T t.V-r>r» A . • • • . Vi n gt.-et^-i i n 1. K7PM WCilUV “Ullv T rente. Thirty Quarante Forty XFift.v Al vjr............................. Cinquante Seven teen Eighteen Nineteen 60 Sixty 70 FRENCH. Seven tv At sight Mille. .Tour. Semaine Alois Annee A presentation.. After sight A vue A jours de vue After f)at.p A jours de date. . Pay to the order. Payez a 1’ordre . . I promise to pay. Je payerai........... Wiih interest.... Avec interets. ... SPANISH. Uno......................... Dos......................... Tres......................... Cuatro.................. Cinco...................... Seis......................... Siete ....................... Ocho....................... Nueve.................. Diez....................... Once....................... Doce....................... Dreizehn................. Trece...................... Vier zehn............. Catorce.................. Fiinfzehn.............. Quince.................... Sechzehn............. Diez y seis........... Siebzehn................ Diez y siete......... Achtzehn .............. Diez y ocho......... Neunzehn........... Diez y nueve.... Zwanzig................ Veinte......................... Ein und zwa.nzig Viente y uno ... Dreiszig................ Treinta.................. Vierzig................ Cuarenta.............. Fiinfzig.................. Cincuenta.............. Ein....................... Zwei....................... Drei..................... Vier......... ’.............. Fiinf....................... Sechs...................... Sieben.................... Acht....................... Neun...................... Zehn....................... Elf........................... Zwolf.................... ITALIAN. PORTUGUESE. DUTCH. RUSSIAN. DANISH. SWEDISH. Uno......................... Due......................... Tre......................... Quattro................ Cinque................ . Sei........................... Sette....................... Hum, M. Huma, F Doue, M. Duas, F Tres....................... Quatro................ Cinco.................... Seis....................... Sete....................... Outo..................... Nove.................... Dez....................... Onze....................... Doze....................... Treze.................... Quatorze............. Quinze.................... Dezaseis.............. Dezasette.............. Dezocto................ Dezaneve.............. Viete....................... Vinte hum............ Trinta.................... Quarenta.............. Cincoenta............. Een......................... Twee...................... Drie......................... Vier....................... Vyf....................... Zes......................... Zeven .................. Acht..................... Negen.................. Tien..................... Elf......................... Twaalf.................. Dertien................ Veertien.............. Vyftien.................. Zestien.................. Zeventien.............. Achtien.................. Negentien............. Twintig.................. Enen Twintig .. . Dertig.................... Veertig.................. Vyftig.................... Odun....................... Dba....................... Tza......................... Tschetire.............. Piat...................... Schest.................. Sem......................... Votem.................... Deviat................ Desat.................. Odinnatzat........... Devenzat.............. Trenazat............. Cheterinazat.. . Paznatzat............. Schesnadzat......... Semnatzat......... Vosemnatzat... Davetnazat......... Dvatzat................ Dvatzat-odnar. . Trudzat ................ Sorok..................... Piat desat En........................... To......................... Tre....................... Fire....................... Fern......................... Sex......................... Syu....................... Otte...................... Ni......................... Ti......................... Elleve.................. Tolv....................... Tretten .................. Fjorten................ Femten................ Sexten.................... Sytten.................... Atten.................... Nit ten................ Tyve..................... En og Tyve.... Tredive................ Fyrretyve............. Halvtredsindstyve. Tredsindstyve.. . Halvfj erdsmdstyve. Firsindstyve......... Halvfemsindstvve Hundrede............. Tusinde.................. Dage....................... Uger....................... Maaned................ Aar......................... Paa anfordring .. En......................... Tv&......................... Tre......................... Fvra....................... Fern......................... Sex........................... Sju........................... Atta......................... Nio......................... Tio........................... Elfva....................... Tolf......................... Tretton.................. Fj orton.................. Femton.................. Sexton.................... Sjutton.................. Adert.on................ Nitt.on..................... Tjugu .............. Tjuguen Tret tio................... Fyrtio..................... Femtio.................. Otto.............................. Nove...................... Dieci....................... Undici.................... Dodici.................... Tredici.................. Quattordici......... Quindici................ Sedici..................... Diciassette........... Diciotto................ Diciannove........... Venti...................... Vent’uno................ Trenta.................... Quaranta.............. Cinquanta........... Zestig..................... Schestdesat......... Sechzig.................. Sesenta.................. Sessanta................ Secenta........... Soixante Soixante-dix .... Siebenzig........... Setenta.................. Settanta................ Setenta.................. Zeventig................ Semdesat.............. Fitrht.v uj................... Qua.tre-vingt, Qu atre-vi n gt.-d i x Ninety Cent. TTnndreH 'T'hoiififlnrl Day Week Mnnfh Y ear On demand......... GERMAN Achtzig.................. Neunzig................ Hundert................ Tausend................ Tag......................... Woche.................... Monat.................... J-ahr......................... Nach Sicht, or bei Vorzeigung. A vista.................. Nach Sicht........... Nach Dato, or nach Heute. Fur mich, or uns an die Ordre. Werde ich, or werden wir bezahlen Mit Zinzen......... Ochenta ................ Noventa................ Cien....................... Mil....................... Dia......................... Semana................ Mes......................... Ano......................... A presentacion.. . Ottanta.................. Novanta................ Cento ..................... Mille...................... Giorno.................... Settimana............. 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A vista.................. A vista.................. Op sight a vista.. Po prediavieni... A vista.................. Vid sigt........... A. . dias vista . . . Dopo vista........... A. .dias vista .. . Dagen na zigt... Po prediavieni.. . Efter Sigt............. Efter sigt.. A. . dias fecha .. . Dopo dato........... A.. dias data .. . Dagen na dato... Gato....................... Efter dato............ Fr&n dato......... A la orden............ Pagate al l’ordine Pagase a ordem.. Voor my aan de Nlat it order.... Behag at betale Behagar att betaorder. til odre. la till ordre. Pagare ................... Paghero ................ Pagarei.................. Ik neem aan te Ia obetschai.... Jeg forpligter mig Jag forpligtar mig betalen. at betale. att betala. Con interes........... Con interesse.... Com intereses ... Met interest......... Is prozentamu.. Med rente........... Med ritnta........... What You Want To Know AND How To Find It IN Rand McNally Bankers Directory and Bankers Register THE BLUE BOOK SUBJECT HOW FOUND EXPLANATION Accessible Points. Towns without banks____________________ ______ See ‘‘Non-Bank Towns” below American Bankers Association... Members of, indicated by a............................................ • after name of bank. Numerical System, Explanation of............................. Map opposite page 18. Officers of_______>................................... ........................ Page 17. A. B. A. Transit Numbers . Assigned to banks exclusively by this Directory Attorneys Bank Exams, and State Officials.. Bankers Associations__________ Banks________________________ Calendar. Canada... Clearing House Members. Clearing Houses_______ Comptrollers’ Calls_____ under the authority of The American Bankers Association_________________________________ (Bonded)..____ ________________________________ National and State, with addresses............................. and Officers_____________ ____ ______ _______ _ of United States, National, State, and Private; statement, officers, general information_______ for year___________ ___________________________ Banks of, giving all branches, officers, capital, cor respondents, etc_____ ________________________ in each city, indicated by a_____________________ in United States and Canada___________________ Under name of each bank. See “Lawyers” below. Pages 20-21-22-23. Pages 17-18-19. Indexed alphabetically as to States. Towns and Banks. Page 7. Indexed “Cana.,” Alphabetical as to Prov inces. * before the name of bank. Page 24 and at end of bank list in each city. Correspondents County________ County Seat___ to National Banks, dates of and day of week, from 1886 to date.......................................... . ......................... of each bank given_____________________________ in which town is located given__________________ indicated by a_______ ____ ____ ________________ Date of Organization of Directors Federal Land Banks____ Federal Reserve Banks__ Federal Reserve Districts indicated by.......................... ............................................ of Banks and Trust Companies_____ ____________ Giving Officers, Territory, etc--------------- - -------- — Complete Information__________________________ District tn which town is located—........................... Federal Reserve Members. Financial Statement_____ State Banks and Trust Companies_______________ of every bank in United States and Canada given after name of bank.......... ............................................ and Bankers (Selected List).......................................... Value of, in U. S. Money.__ ____ ________________ Table of cardinal numbers and commercial terms, in ten languages........................................................... Opposite Page 13. Specially prepared list__________________ ____ —— Under index “Lawy.” Alphabetically arranged as to states................... ....... Page 14 and under “Laws.” Foreign Banks____ Foreign Coins_____ Foreign Languages. Foreign Lawyers. Grace, Days of___ Holidays________ Interest Rates___ Alphabetically arranged by states, for quick refer ence ........................................... ....................................... Investment Bankers Association. Members listed in large cities marked by a.............. Investment Dealers____________ Selected List—------- ----------------------------------------Islands_______________________ Cuba, Porto Rico, and Philippines, Banks of.............. Laws-------------------------------------- A carefully prepared digest of Banking and Com mercial Laws of each state---------- -------- -----------Lawyers. In principal towns and cities. Bonded by Ameri can Surety Co. of New York. Special list of Opposite Page 17. After name of bank. After name of each town. ^before name of town, both in Bank List and in Lawyers List. Figures after name of bank. Indexed "Direct.” Page 34. Page 25 and map opposite page 12. Bold face figure under name of town or See top of first column bank pages. ♦ Under name of bank. Indexed Alphabetically, as to State, Towns and Banks. Indexed “Forgn.” Opposite Page 18. See “Laws.” Page 14. (See also Laws) II After name of firm. Following banks in each city. Indexed immediately after States. Indexed “Laws.” foreign attorneys_________________________ Indexed “Lawy.” Legislatures__ _______________ Dates of Meetings_____________________________ Opposite Index “Laws.” Location of Towns on State Maps (Map given with each state) indicated by------------- Guide Letter and Figure after each town. Rand-McNally’s newest maps of states, principal See Index Page 12. Maps. cities, Canadian Provinces, Mexico, etc................... Inserted in proper geographical position. Banks and map of------ ----------------- ------ ------------- Indexed “Mexico.” Mexico_______________ Laws relating to, and states which have passed Negotiable Instruments “ The Negotiable Instruments Law”___________ See “Laws,” Indexed. Showing nearest accessible banking points, and Non-Bank Towns whether Money-Order Office, Telegraph Station, or Express Office...................................... . .................. Indexed “Acces.” In United States and Canada----------------------------- See Page 15. Number of Banks________ explanation and map of________________________ Opposite page 18. Numerical System of A. B. , of every bank in United States, Canada, and Mexico Officers_________________ given after name of bank-------------------- ---------- Indexed by States. Explanations and Rates____ _______ _____________ Page 16. Parcel Post-----------------------shown by____________ ______ ___________________ Figures under name of town both in Population of Banking Towns . Bank List and in Lawyers List. and Postal Regulations................................................. — Page 16. Postage Rates. , (Unincorporated) indicated by a--- -------- ------------- t after name of bank. Private Banks. , Under State Supervision... .............. ...........-...........— See Page 15. Reserve Cities_______________ . for National Banks........................................................... Opposite Page 19, etc. Members of, indicated by a------------------------------- ... t after name of bank. State Bankers Associations___ (Incorporated) indicated by a---------------------------- § after name of bank. State Banks________________ Statutes of Limitations______ .Arranged for quick reference------------------------------ Page 14. See also “Laws,” indexed. 13 INTEREST RATES, GRACE ON SIGHT DRAFTS, AND STATUTES OF LIMITATION See also “Laws,” indexed in back of this Volume INTEREST RATES—NOTES AND ACCEPTANCES—GRACE. STATES Legal Rate iate of „ by interest Contract. AND TERRITORIES. Notes and Acceptances Due on Holi days. Half Days. Are payable Per ct. Per cent. and protestable the day— Alabama Alaska Arizona Arkansas_ ____ California. ... _.. _______ Oolnrado. ... flnnnec.ticnt _ __ .. . __ ._ _ _ Delaware Distrir.tnfOnlnmhia.. __ ..... __. Florida............................... - Georgia _ ....... Hawaii ...... Idaho.. Illinois____ Indiana. __ Iowa_____ ____ __________________________ Kansas . Kentucky.___ ... Louisiana . _ . ... Maine _________________________________ Maryland............... Massachusetts. Michigan...... . ........ Minnesota____________ _________________ _ ___ Mississippi___ Missouri. __ Montana________________________ _______ Nebraska______________ _______ ________ Nevada -..... ................................................... .. New Hampshire________________________ New Jersey-......................................................... Now Mexico.. ______ _ ... . New York__________ _____ _____________ North Carolina________ ____ ____________ North Dakota.—.................................. .......... Ohio ... Oklahoma. _ _ ... _ ______ Oregon __ __ Pennsylvania ................ Philippine Islands __ ____ Porto Rico . .. . _ Rhode Island ... _ ._ South Carolina South Dakota ____ __ Any rate Tennessee_____________ ____ ___________ Texas..................................................................... ntah. Vermont________________________________ Virginia __ _.. ....... _ Washington _ ______ ._ West Virginia .. _. Wisconsin _ .... Wyoming ___ _ ......................... Alherta .. _____ _ . _ British Oolnmhia . Manitoba_______________________________ New Brunswick__ _ Nova Scotia ... .. . _. _. Ontario....................... ........................... ......... Quebec ... .. Saskatchewan ... 8 8 6 6 7 8 6 6 6 8 7 8 7 5 6 6 6 6 5 6 6 6 5 6 6 6 8 7 7 6 6 6 6 6 6 6 6 6 6 ___ 6 6 7 7 6 6 8 6 6 6 6 6 8 5 5 5 5 5 5 5 5 8 12 10 10 Any rate 12 12 6 ion 10 8 12 12 7 8 8 10 6 8 Any rate 6 Any rate 7 10 8 8 12 10 12 6 6 12 fit After After After After After After After After After After After After After After After After After After After After After After After After After After After After After After After After After After After 6 10 8 After 10 After After 10 6t After Any rate After 12 After Any rate After 8 After 121 After 6 After 10 Afterl 12 After 6 After 6 After 12 After 6 After 10 After After 12 Any rate After Any rate After Any rate After Any rate After Any rate After Any rate After Any rate After Any rate After After After After » After After After After After After After After After After Holidays falling on Sunday are observed the day— STATUTES OE LIMITATIONS. Open Notes. Sight Bills. Drafts. Years. After Before After After After After After Before After After After After No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace No grace Grace No grace Grace No grace No grace No grace No grace No grace No grace No grace Grace No grace No grace No grace No grace No grace After After After After After After After After After After After After After After After After After After After After After After After After After No grace No grace After After After After After After After After After After After After After After 1 After After After After After After No grace No grace No grace No grace No grace No grace No grace No grace No grace Grace No grace No grace No grace No grace No grace No grace No grace Grace Grace Grace Grace Grace Grace Grace Grace After After After After After After After It After After After After After After After After After After After After After After After After After After counts. After After After After After After After After After No grace No grace No grace No grace No grace Grace No grace No grace No grace Grace No grace No grace No grace No grace No grace No grace No grace Grace Grace Grace Grace Grace Grace Grace Grace • In Denver, Due Saturday during June, July, and August protest Saturday or Monday at option of holder, t Any rate agreed upon in writing is legal on collateral demand loans of $ 5000 and over. See laws, indexed in back of this volume. 1 14 3 6 3 3 4 6 6 3 3 3 4 4 5 6 5 3 2-5 3 6 3 6 6 6 3 5 5 4 4 6 6 4 6 3 6 6 3 6 6 10 6 6 6 6 2 ’ 4 6 3 3 5 6 8 6 6 6 6 6 5 6 Notes and Written Con tracts. Judg ments. Sealed Instru ments wit nessed. Years. Years. Years. 20 10 5 3-10TT 5 6-20TT 201 20 12 20 7 10 10 6 5 8 8 * 6 5 2-4 8 6 6 3 5 6 5 10 10 10 5 5-15 5-10 6-20 8-12 6 6 6 6 10 8 5 6 6 6 6 6 3 6 15 5 8 6 6 6 6 6 4 6 6-14 5 6 10 6 10 8 6 6 6 6 6 5 6 6 20 20 20 5 15 10 20 12 20 6-10 10 7 10 10 5 6 20 20 20 10 10 21 1-5 10 20 ion 20 20 10-20 10 10 8 8 10 6 10 10-20 5-10 12 20 10 20 20 20 30 12 3-201 17 20 12 20 20 5 10 20 10 5 15 10 20 12 20 10 6 6 10 8 5 6 20 16 6 20 10 6 15 5 10 20 10 20 6-20 20 6 4 6 8 10 6 10 10-20 10 20 20 10 20 20 20 NUMBER OF BANKS IN THE UNITED STATES AND CANADA IMPORTANT: This tabulation covers only institutions performing the functions of a bank. Some publishers, for reasons of their own, include in their tabulation all those concerns whose names they pub lish but whose business is confined to the selling of Investments. Such information is naturally mislead ing. We carry the names of thousands of such institutions but they are not included in this tabulation. UNITED STATES Total National Banks. Total State Banks and Trust Cos. Total Private Banks J Total Ali Banks. Alabama.............................................. Alaska................................................... Arizona................................................ Arkansas.............................................. California............................................ Colorado............................................ . Connecticut..................................... . Delaware................ ............................ District of Columbia....................... Florida ................................................ Georgia................................................ Hawaii................................................... Idaho.................................................... Illinois................................................... Indiana................................................ Iowa....................................................... Kansas................................................... Kentucky............................................ Louisiana.............................................. Maine..................................................... Maryland............................................ Massachusetts................................... Michigan.............................................. Minnesota............................................ Mississippi.......................................... Missouri.............................................. Montana.............................................. Nebraska.............................................. Nevada................................................ New Hampshire................................ New Jersey.......................................... New Mexico....................................... New York State................................ North Carolina.................................. North Dakota.................................... Ohio........................................................ Oklahoma............................................ Oregon.................................................. Pennsylvania....................................... Rhode Island..................................... South Carolina................................... South Dakota..................................... Tennessee ........................................ Texas..................................................... Utah....................................................... Vermont................................................ Virginia................................................ Washington....................................... West Virginia..................................... Wisconsin............................................ Wyoming.............................................. 97 3 20 83 302 140 66 19 14 53 93 3 79 475 254 355 249 134 43 63 95 162 112 317 36 137 144 189 10 55 210 46 491 85 176 372 345 90 851 17 81 133 101 550 28 49 160 87 120 149 45 261 15 87 404 525 245 150 35 27 205 666 24 137 977 625 1,343 1,098 462 259 120 195 312 538 1,188 318 1,508 279 1,035 23 70 177 76 505 509 722 633 610 183 556 42 393 551 464 985 102 58 333 313 219 817 115 ♦9 367 18 107 494 827 392 223 54 42 260 794 31 219 1,885 1,054 1,928 1,350 596 303 183 297 477 873 1,505 354 1,653 431 1,224 33 125 400 122 1,137 596 898 1,148 955 275 1,455 59 477 690 566 1,680 130 107 505 403 339 966 161 Grand Total, United States, 7,988 21,490 STATE. *7 *7 7 .......... 1 *2 35 4 *3 433 *175 230 *3 1 7 *3 223 *8 *8 *13 141 2 *143 *2 *48 *3 *6 1 145 12 3 1 l,686t 31,1681 •Under State Supervision. tThis does not include corporations, firms, and individuals whose names appear herein but which are doing an investment business only. CANADA Alberta.......................................................................................................................... British Columbia..................................................................................................... Manitoba................................................................................................................... Miquelon..................................................................................................................... New Brunswick................................................................................................ Newfoundland.......................................................................................................... Nova Scotia............................................................................................................... Ontario........................................................................................................................ Prince Edward Island............................................................................................ Quebec.......................................................................................................................... Saskatchewan............................................................................................................ Yukon........................................................................................................................... 434 141 346 2 116 52 166 1,412 36 1,107 604 3 Total, Canadian Banks and Bankers..................................................... 4,419 15 RATES OF POSTAGE DOMESTIC Classes. First Glass—Tetters and sealed packages .. Postal cards Limit Weight. Postage. - . __ - - __ - - 2 cts. each oz. or fraction thereof Four lbs. Second Class—Newspapers, periodicals entered as second-class matter and sent by the pub 1 ct. per pound________________ lisher or news agent. . ___ _____ __________________ __________ ________ f 1 ct. each 4 oz. or fraction, stamps l affixed ........._____ Same when mailed by others than above................. . ................................................... No limit. 1 c.t. each ................... Fourth Class—Merchandise and matter not included in any of the above classes___________ No limit. . 4 lbs. For packages ) 1 ct. each 2 oz. or fraction thereof over four pounds and ) all books, see Parcel Post Rates. Parcel Post Rates (see below) .. Registry Fee in addition to regular postage....................... 10 cts. Third Class—Circulars, pamphlets, and other matter wholly in print, proofsheets, cor-1 rected proofsheets and manuscript copy accompanying same______________ I Special Delivery in addition to regnlar postage _ __ ............. .. _ ............. ................................. 1ft cts.... ................... . ............... -— FOREIGN POSTAGE TABLE The rate of postage upon letters to foreign countries is five cents for the first ounce or fraction of an ounce, and three cents for each addi tional ounce or fraction of an ounce, excepting the following named countries. To these countries and places letters may be sent at the rate of two cents an ounce or fraction thereof. Bahamas Barbados British Guiana British Honduras Canada City of Shanghai, China Cuba Dominican Republic Scotland Trinidad (including Tobago) Wales Windward Islands (including Grenada, St. Vincent, The Grenadines, and St. Lucia) Dutch West Indies England Ireland Leeward Islands Mexico Newfoundland New Zealand Republic of Panama The rates on other than letters to all foreign countries are: Single postal cards, each, 2 cents: double postal cards, each, 4 cents: newspaper and other printed matter, for each two ounces or fraction thereof. 1 cent. Commercial Papers.—Packets not in excess of 10 oz„ 5 cents; packets in excess of 10 oz„ for each 2 oz. or fraction thereof additional, 1 cent. Samples of Merchandise.—Packets not in excess of 4 oz., 2 cents: packets in excess of 4 oz., for each 2 oz. or fraction thereof additional, 1 cent. Merchandise sent on order or as a gift must be sent by Parcel Post (note below > or is subject to letter postage, which must be fully prepaid. Registration fee on letters or other articles. 10 cents. Ordinary letters for any foreign country (except Canada and Mexico) will be forwarded, whether any postage is prepaid on them or not. Foreign mail should be fully prepaid, as double the amount of deficient postage is collected before delivery in countries of destination. All other mailable matter must be prepaid at least partially. Limit of weight for printed matter, 4 lbs., 6 oz. TABLE SHOWING RATES OF PARCEL POSTAGE Parcels weighing four ounces or less are mailable at the rate of one cent for each ounce or fraction of an ounce, regardless of distance. Parcels weighing more than four ounces are mailable at the pound rate, as shown by the following table, and when mailed at this rate any fraction of a pound is considered a full pound. Parcels are limited in weight to seventy pounds within the third zone and to fifty pounds beyond the third zone, and in size to eighty-four inches in “ length and girth combined.” Rate on books weighing eight ounces or less is one cent for each two ounces or fraction thereof for any distance: over eight ounces, the zone parcel post rates apply. WAR TAX,— One cent on twenty-five cents (less than 25 cents, no tax), two cents on twenty-six to fifty, three cents on fifty-one to seventy-five, four cents on seventy-six to one dollar. 1st zone Weight 1st pound Each ad ditional lb. 2d zone rate 3d zone rate 4th zone rate 5th zone rate 6th zone rate 7th zone rate 8th zone rate Local rate $0.05 Zone rate $0.05 $0.05 $0.06 $0.07 $0.08 $0.09 $0.11 $0.12 0.0| 0.01 0.01 0.02 0.04 0.06 0.08 0.10 0.12 FOREIGN PARCEL POST RATES Twelve cents per pound or fraction thereof; limited to eleven pounds in weight and three and one-half feet in length and to six feet in length and girth combined. Please note however that there are certain countries to which packages cannot be sent by parcel post. Your local post office should be consulted. DOMESTIC MONEY ORDER BUSINESS The printed application form must be used when applying for a money order. The applicant must write his or her own given name and surname in full, and given name of the payee must be stated in full if known, otherwise initials may be used. The given name of married women must be used and not that of their husbands. Names of places, streets, and numbers should be written in plainest manner possible. A money order can not be made payable to more than one person or firm. Domestic Money Order Fees Over $30.00 and not exceeding $ 40.00______________________________ For orders of $2.50 or less_____ ______ ____________________ ________ 3c 50.00. Over $ 2.50 and not exceeding $ 5.00_______________________ ________ 5c 40.00 “ 5.00 “ “ 10.00................................................................ 8c 60.00. 50.00 75.00. “ 10.00 “ “ 20.00................................................................ 10c 60.00 “ 20.00 “ “ 30.00................................................................ 12c 100.00. 75.00 Orders payable at a money-order office can not be issued for an amount exceeding $100. 15c 18c 20c 25c 80c INTERNATIONAL MONEY ORDERS Money orders can be issued between the United States and fifty-eight countries, rates differing and subject to change. latest rates. See your Postmaster for RATES FOR EXPRESS MONEY ORDERS Not over................ $2.50________ 3 cts. I Over $10.00 to $20.00............. 10 cts. I Over $40.00 to $50.00_________ 18 cts. I Over $75.00 to $100.00. ....30 eta. Over $2.50 to 5.00_______ 5 cts. | Over 20.00 to 30.00________ 12 cts. Over 50.00 to 60.00_________ 20 cts. -----------------Over 5.00 to10.00_______ 8 cts. Over 30.00 to 40.00.................. 15 cts. I Over 60.00 to 75.00_________ 25 cts. 1 Over $100.00 at above rates.__ 16 BANKERS’ ASSOCIATIONS, 1920 AMERICAN BANKERS’ ASSOCIATION. President, Richard S. Hawes, vice-president First National Bank, St. Louis, Mo. Vice-President, John S. Drum, president Savings Union Bank & Trust Co., San Francisco, Cal. Second Vice-President, T. B. McAdams, vice-president Merchants National Bank, Richmond, Va. General Secretary, Guy E. Bowerman, 5 Nassau St., New York City. Treasurer, Harry M. Rubey, president Rubey National Bank, Golden, Colo. General Counsel, Thomas B. Paton, 5 Nassau St., New York City. Asst. Secretary and Asst. Treasurer, William G. Fitzwilson, 5 Nassau St., New York City. Manager Protective Dept., L. W. Gammon, 5 Nassau St., New York. Editor of The Journal, George Lewis, 5 Nassau St., New York City. IDAHO BANKERS’ ASSOCIATION. President, E. H. Plowhead, cashier Caldwell Commercial Batik, Caldwell. Vice-President, G. R. Hitt, Overland National Bank, Boise. Secretary, J. W. Robinson, Boise. Treasurer, Will H. Young, cashier Burley State Bank, Burley. ILLINOIS BANKERS’ ASSOCIATION. President, Leroy A. Goddard, Chicago. Chairman of Board State Bank of Chicago, Chicago. Vice-President, Wm. C. White, Peoria. President Merchants and Illinois National Bank, Peoria. Secretary, M. A. Graettinger. 208 S. La Salle St., Chicago. Treasurer, J. H. Standart, Oglesby. Cashier Oglesby State Bans: Oglesby. Assistant Secretary, Olive S. Jennings, Chicago. ALABAMA BANKERS’ ASSOCIATION. President, B. W. Pruett, vice-president First National Bank, Gadsden. Vice-President, A. L. Staples, president Peoples Bank, Mobile, Ala. Secretary and Treasurer. H. T. Bartlett, cashier. First National Bank, Montgomery. INDIANA BANKERS’ ASSOCIATION. President, R. W. Akin, cashier Peoples State Bank, Sullivan, Ind. Vice-President, Chas. L. Zlgler, cashier First National Bank, South Bend. Secretary, Andrew Smith, vice-president Indiana National Bank, Indianapolis. Treasurer, Geo. W. Hoover, cashier. Farme$$ State Bank, Eaton. ARIZONA BANKERS’ ASSOCIATION. President, G. H. Sawyer, vice-president and cashier Southern Arizona Bank & Trust Co., Tucson. Vice-President, P. M. Buckwalter, cashier Miners & Merchants Bank, Bisbee. Secretary, Morris Goldwater, president Commercial Trust & Savings Bank, Prescott. Treasurer, J. R. Todd, cashier Gila Valley Bank & Trust Co., Globe. IOWA BANKERS’ ASSOCIATION. President, J. H, McCord, vice-president' Citizens National Bank, Spencer. Vice-President, W. F. Moore, vice-president Peoples State Bank. Guthrie Center. Secretary, Frank Warner, 710 Fleming Bldg., Des Moines. Treasurer, M. V. Henderson, Jr., cashier First State Bank, Hawkeye. ARKANSAS BANKERS’ ASSOCIATION. President, Stuart Wilson, cashier State National Bank, Texarkana. Vice-President, W. A. Steele, cashier First National Bank, Van Buren. Secretary, Robt. E. Wait, Little Rock. Treasurer, R. H. Thompson, vice-president Exchange National Bank, Little Rock. KANSAS BANKERS’ ASSOCIATION. President, J. R. Burrow, president Centra National Bank, Topeka. First Vice-President, H. W. Grass, president Farmers & Merchants State Bank, La Crosse. Secretary, W. W. Bowman, Topeka. Assistant Secretary, F. M. Bowman, Topeka. Treasurer, H. S. Buzick, Jr., vice-president Sylvan State Bank, Sylvan Grove. CALIFORNIA BANKERS’ ASSOCIATION. President, George S. Meredith, cashier Farmers & Merchants Savings Bank, Oakland. Vice-President, J. B. McCargar, vice-president Crocker Natio Bank, San Francisco. Secretary, Frederick H. Colburn, 628 Mills Bldg., San Francisco. Treasurer, F. O. Cooke, vice-president Mercantile National Bank of San Francisco, San Francisco. KENTUCKY BANKERS’ ASSOCIATION. President, J. H. Welch, president Farmers .Exchange Bank, Nicholas ville. Secretary, Harry G. Smith, Paul Jones Building, Louisville. Treasurer, C. A. Doris, cashier Dixon Bank & Trust Co., Dixon. CANADIAN BANKERS’ ASSOCIATION. President, C. A. Bogert, general manager The Dominion Bank, Toronto, Ont. Secretary-Treasurer, Henry T. Ross, care of Dominion Bank, Toronto, Ont. LOUISIANA BANKERS’ ASSOCIATION. President, Charles deB. Claiborne, vice-president Whitney-Central National Bank, New Orleans. Vice-President, Ben Johnsoh, president Bank of Commerce & Trust Co., Mansfield. Secretary, Eugene Cazedessus, vice-president Bank of Baton Rouge, Baton Rouge. Treasurer, W. J. Mitchell, vice-president Canal-Commercial Trust & Savings Bank, New Orleans. »• COLORADO BANKERS’ ASSOCIATION. President, F. J. Denison, president Drovers State Bank, Denver. Vice-President, J. L. McNeil, vice-president First National Bank, Durango. Secretary, Paul Hardey, cashier Stock Yards National Bank, Denver. Treasurer, E. D. Hollowell, cashier Stockmen’s and Merchants Bank, Pagosa Springs. MAINE BANKERS’ ASSOCIATION. President, H. M. Lawton, cashier National Bank of Gardiner.Gardiner. Vice-President, R. H. Baxter, president Bath Trust Co., Bath. Vice-President, A. A. Montgomery, treasurer Portland Savings Bank, Portland. Secretary, Edward S. Kennard, cashier Rumford National Bank, Rumford. Treasurer, Geo. A. Safford, secretary and treasurer Hallowell Trust & Banking Co., Hallowell. CONNECTICUT BANKERS’ ASSOCIATION. President, William B. Bassett, cashier Phoenix National Bank, Hartford. Vice-President, Frank G. Vibberts, vice-president New Britain Trust Co., New Britain. Secretary, Chas. E. Hoyt, treasurer So. Norwalk Tr. Co., So. Norwalk Treasurer, Clark W. Burnham, treasurer Easthampton Bank & Trust Co., Easthampton. MARYLAND BANKERS’ ASSOCIATION. President, Chas. C. Homer, Jr., president Second National Bank, Baltimore. First Vice-President, John B. Kieffer, cashier Hagerstown Bank, Hagerstown. Secretary, Charles Hann, assistant-cashier Merchants-Mechanics First National Bank, Baltimore. Treasurer, Wm. Marriott, cashier Western National Bank, Baltimore. DELAWARE BANKERS’ ASSOCIATION. President, John S. Rossell, president Security Trust & Safe Deposit Co., Wilmington. Vice-President, George Massey Jones, vice-president First National Bank, Dover. Secretary and Treasurer, Wm. G. Taylor, vice-president and secretary Delaware Trust Co., Wilmington. GEORGIA BANKERS’ ASSOCIATION. President, T. R. Turner, vice-president Bibb National Bank, Macon. First-Vice-President, H. Warner Martin, vice-president Lowry National Bank, Atlanta. Secretary, Haynes McFadden, Candler Bldg., Atlanta. Treasurer, E. L. Henderson, cashier Commercial Bank, Cedartown. MASSACHUSETTS BANKERS’ ASSOCIATION. President, Charles G. Bancroft, president International Trust Co., Boston. Vice-President, F. B. Washburn, president Franklin Savings Bank, Boston. Secretary, George W. Hyde, vice-president First National Bank, Boston. Treasurer, J. H. Gifford, vice-president Merchants National Bank. Salem. MICHIGAN BANKERS’ ASSOCIATION. President, G. J. Diekema, president First State Bank, Holland. First Vice-President, John W. Staley, president Peoples State Bank, Detroit. Second Vice-President, E. S. Bice, vice-president First National Bank, Marquette. Secretary, Mrs. H. M. Brown, Ass’n Office, Ford Bldg., Detroit Treasurer, J. Andrew Gerber, president Old State Bank, Fremont. General Counsel, Hal H. Smith, of Beaumont, Smith & Harris, Detroit. MINNESOTA BANKERS’ ASSOCIATION. President, M. J. Dowling, president Olivia State Bank, Olivia. Vice-President, O. M. Nelson, vice-president First National Bank, St. Paul. Secretary, G. H. Richards, 601 Northwestern Bank Bldg., Minneapolis. Treasurer, C. H. Draper, president First National Bank, Wells. COUNTRY BANKERS ASSOCIATION OF GEORGIA. President, L. P. Pattillo, president Bank of Buford, Buford. First Vice-President, J. E. Frizzell, cashier Farmers Banking Co., Waverly Hall. Second Vice-President, L. M. Brand, president Brand Banking Co., Lawrenceville. Secretary and Treasurer, L. R. Adams, box 1515, Atlanta, Ga. MISSISSIPPI BANKERS’ ASSOCIATION. President, Thad B. Lampton, vice-president Capital National Bank Vice-President, T. W. McCoy, vice-president Merchants National Bank, Vicksburg. Secretary, George B. Power, Jackson. Treasurer, E. P. Peacock, president Bank of Clarksdale, Clarksdale. DISTRICT OF COLUMBIA BANKERS’ ASSOCIATION. President, M. D. Rosenberg, president Bank of Commerce & Savings, Washington. First Vice-President, Robert N. Harper, president District National Bank, Washington. Second Vice-President, John B. Larner, president Washington Loan & Trust Co., Washington. Secretary, Eugene E. Thompson, Crane, Parris & Company, Bankers, Washington. Treasurer, A. S. Gatley, cashier Lincoln National Bank, Washington. FLORIDA BANKERS’ ASSOCIATION. President, Forrest Lake, president Seminole County Bank, Sanford. Vice-President, G. G. Ware, president First National Bank, Leesburg. Secretary and Treasurer, G. R. DeSaussure, Jacksonville. 17 BANKERS ASSOCIATIONS, 1920—Continued MISSOURI BARKERS ASSOCIATION. President, W. L. Buechle, president Continental National Bank, Kansas City. Vice-President, R. F. McNally, vice-president National Bank of Commerce, St. Louis. Secretary, W. F. Keyser, Sedalia. Assistant Secretary, E. P. Neef, Sedalia. Treasurer, J. G. Hughes, president State Exchange Bank, Macon. MONTANA BANKERS ASSOCIATION. President, W. J. Johnson, president First National Bank, Lewistown. Vice-President, C. B. Roberts, Bank, Great Falls, Mont. Secretary and Treasurer, Harry Yaeger, Great Falls. NEBRASKA BANKERS’ ASSOCIATION. President, H. K. Frantz, president Bank of Eagle, Eagle. Chairman Executive Committee, C. P. Nelson, Cashier American State Bank, Long Pine. Secretary, William B. Hughes, mgr. Omaha Clearing House, Omaha. Treasurer, Fred A. Cuscaden, vice-president Merchants National Bank, Omaha. NEVADA BANKERS’ ASSOCIATION. President, W. A. Shockley, vice-president, Scheeline Banking & Trust Co.. Reno. Vice-President, J. I. Wilson, president Lyon County Bank, Yerington. Secretary, L. S. Reese, assistant cashier Farmers and Merchants National Bank, Reno. Treasurer, H. H. Kennedy, cashier Reno National Bank, Reno. NEW HAMPSHIRE BANKERS’ ASSOCIATION. President, Wallace L. Mason, cashier Keene National Bank, Keene. Secretary, Harry L. Additon, vice-president and cashier Merchants National Bank, Manchester. Treasurer, Wro. C. White, vice-president and cashier First National Bank, Bristol. NEW JERSEY BANKERS* ASSOCIATION. President, Walter P. Gardner, vice-president New Jersey Title Guarantee & Trust Co., Jersey City. Vice-President, Robert D. Foote, president National Iron Bank, Morristown. Secretary, Wm. J. Field, vice-president Commercial Trust Company of New Jersey, Jersey City. Treasurer, Chas. H. Laird, Jr., vice-president West Jersey Trust Co.. Camden. PENNSYLVANIA BANKERS’ ASSOCIATION. President, Arthur V. Morton, vice-president Pennsylvania Company for Insurances on Lives and Granting Annuities. Philadelphia. Vice-President, David Barry, cashier First National Bank. Johnstown. Secretary, D. S. Kloss, vice-president First National Bank, Tyrone. Treasurer. E. R. Thomas, president National Bank of Royersford, Royersford. RHODE ISLAND BANKERS’ ASSOCIATION. President, Michael F. Dooley, president National Exchange Bank, Providence. Vice-President. George W. Gardiner, vice-president Union Trust Co., Providence. Secretary, Edward A. Havens, assistant cashier Mechanics National Bank, Providence. Treasurer, C. H. W. Mandeville, cashier National Exchange Bank Providence. SOUTH CAROLINA BANKERS’ ASSOCIATION. President, A. E. Padgett, president Farmers Bank, Edgefield. Vice-President H W Fraser, cashier Peoples Bank, Georgetown. Secretary and Treasurer, Lee G. Holleman, president Peoples Bank, Anderson. SOUTH DAKOTA BANKERS* ASSOCIATION. President, Harry Wentzy, president Security Savings Bank, Rapid City. Vice-President, John Wadden, president Sioux Falls National, Sioux Falls. Secretary. F. D. Peckham, president First National Bank, Alexandria. Treasurer. H. R. Kibbee, president Commercial & Savings Bank. Mitchell. TENNESSEE BANKERS’ ASSOCIATION. President S. F. Thomas, cashier Brownsville Bank, Brownsville. Vice-President, Horace Kimbrough, president First National Bank, Etowah Vice-President, L. J. Pardue, Cheatham County Bank, Ashland City. Vice-President, Peter Fyfe, Tipton County-Farmers Union Bank, Covington. Secretary, H. G. Huddleston, 1015 Independent Life Bldg.. Nashville. Treasurer, J. R. Harrison, chairman of the board Farmers-Peoples Bank, Milan. TEXAS BANKERS* ASSOCIATION. President, F. M. Law. vice-president First National Bank, Houston. Secretary, Wm. A. Philpott, Jr., Dallas. Treasurer, Paul G. Taylor, assistant cashier Federal Reserve Bank. Dallas. NEW MEXICO BANKERS’ ASSOCIATION. UTAH BANKERS* ASSOCIATION. President, George Ulrick, vice-president Exchange Bank, Carrizozo. President, E. O. Howard, president Walker Bros., Bankers, Salt Lake Vice-President, Frank R. Coon, cashier First National Bank, Lords- i City. burg. First Vice-President, Charles H. Barton, cashier Ogden Savings Bank. Secretary, R. L. Ormsbee, cashier Capital City Bank, Santa Fe. Ogden. Treasurer, W. A. Losey, cashier First National Bank, Hagerman. Second Vice-President, G. M. Whitmore, cashier First National Bank, Nephi. Secretary and Treasurer, J. E. Shepard, president Cache Valley NEW YORK STATE BANKERS* ASSOCIATION. Banking Co., Logan. President, D. Irving Mead, vice-president Irving Trust Co., New York City. VERMONT BANKERS’ ASSOCIATION. Vice-President, S. G. H. Turner, president Second National Bank, Elmira. President, Levi H. Bixby, cashier Montpelier National Bank, Mont Secretary, Edward J. Gallien, 128 Broadway, N. Y. City. pelier. Treasurer, Chas. H. Bissikummer, president Albany Trust Co., Vice-President. Gilbert E. Woods, assistant treasurer Citizens Savings Albany. Bank <fe Trust Co., St. Johnsburg. Secretary, C. S. Webster, treasurer Barton Savings Bank & Trust Co.. Barton. NEW YORK SAVINGS BANK ASSOCIATION. Treasurer, D. L. Wdells, cashier First National Bank, Orwell. President, Samuel H. Beach, president Rome Savings Bank, Rome. First Vice-President, John M. Satterfield, president American Savings VIRGINIA BANKERS’ ASSOCIATION. Bank, Buffalo. Treasurer. Walter S. Rose, secretary Union Savings Bank, Patchogue. President, R. G. Vance, vice-president and cashier First National Bank Waynesboro. Vice-President, Tench F. Tilghman, president Citizens Bank, Norfolk. NORTH CAROLINA BANKERS’ ASSOCIATION. Secretary, W. F. Augustine, vice-president Merchants National Bank. Richmond. President, Jos. B. Ramsey, president First National Bank, Rocky Treasurer, F. D. Maphls, cashier Peoples National Bank, Strasburg. Mount. Vice-President, Wm. A. Hunt, cashier Citizens Bank & Trust Co., Henderson. WASHINGTON'BANKERS’ ASSOCIATION. Secretary-Treasurer, T. A. Uzzell, president Peoples Bank, New Bern. President, N. B. Coffman, president Coffman-Dobson, Bank & Trust Co., Chehalis. NORTH DAKOTA BANKERS’ ASSOCIATION. Vice-President, D. H. Moss, vice-president First National Bank, President, J. J. Earley, president Bank of Valley City, Valley City. Seattle. Vice-President, H. P. Beckwith, president Northern Savings Bank, Secretary, W. H. Martin, cashier Pioneer National Bank, Ritzville. Treasurer, Hugh Waddell, president First National Bank, Colville. Fargo. Secretary, W. C. Macfadden, Fargo. Treasurer, Thos. E. Hayward, president Beach State Bank, Beach. WEST VIRGINIA'BANKERS’ ASSOCIATION. President, L. A. Hooper, cashier First National Bank, Bluefield. OHIO BANKERS’ ASSOCIATION. Vice-President, H. B. Lewis, cashier Kanawha Banking & Trust Co., Charleston. President, F. S. Stever, cashier Merchants National Bank, Defiance. Vice-President, Sidney J. Brister, cashier State Savings Bank Co., Secretary and Treasurer, Joseph S. Hill, State Bank Commissioner. Dover. Charleston. Secretary, S. A. Roach, 805 Wyandotte Bldg.. Columbus. Asst. Secretary, G. E. Howard, 805 Wyandotte Bldg.. < olumbus. WISCONSIN’BANKERS’ ASSOCIATION. Treasurer, A. B. Taylor, president Lorain County Savings & Trust President. W. E. Sprecher, cashier State Bank of Independence, Co., Elyria. Independence. Vice-President, J. J. Jamieson, cashier First National Bank, Shullsburg. Secretary, George D. Bartlett, 408 Trust Company Bldg., Milwaukee. OKLAHOMA BANKERS* ASSOCIATION. Secretary, Wall G. Coapman, 408 Trust Company Bldg., President, A. L. Churchill, vice-president First National Bank, Assistant Milwaukee. Vinita. T. D. Spalding, cashier American National Bank, Marsh Vice-President, P. C. Dings, president Guaranty State Bank, Ardmore. Treasurer, field. Secretary. Eugene P. Gum, Oklahoma City. Assistant Secretary, Gertrude Corbitt, Oklahoma City. Treasurer, A. E. Ellinger, cashier First National Bank, Noble. WYOMING BANKERS’ ASSOCIATION. President, A. K. Lee, vice-president Thermopolis State Bank, Ther mopolis. OREGON BANKERS* ASSOCIATION. Vice-President, John W. Hay, president Rock Springs National Bank, President, C. S. Hudson, president First National Bank, Bend. Vice-President, N. U. Carpenter, president Citizens Bank, Portland, i Secretary, Harry B. Henderson, cashier Wyoming Trust & Savings Secretary, J. L. Hartman, Hartman & Thompson, Bankers. Portland. Bank, Cheyenne. Treasurer, J. W. McCoy, cashier First National Bank, Ashland. Treasurer, S. H. Sibley, cashier Bums State Bank, Buras. 18 VALUES OF FOREIGN COINS Treasury Department, Office of the Secretary. Washington, D. C., January 1,1920 In pursuance of the provisions of section 25 of the act of August 27, 1894, I hereby proclaim the following estimate by the Director of the Mint of the values of pure metal contents of foreign coins to be the values of such coins in terms of the money of account of the United States, to be followed in estimating the value of all foreign merchandise exported to the United States during the quarter beginning January 1, 1920, expressed in any such metallic currencies. Entries of merchandise liquidated upon the values proclaimed herein will be subject to reliquidation upon the order of the Secretary of the Treasury whenever satisfactory evidence shall be produced to him showing that the values in United States currency of the foreign money specified in the invoices were at the date of certification at least ten per centum more or less than the values herein proclaimed. CARTER GLASS, Secretary. __________ Values of Foreign Coins Value in of Legal Standard. Monetary Unit. Terms U. S. COUNTRY. Remarks.* Money. Gold Bolivia $0.9648 _______ Gold_______ ____ - Peso....... .................... Af*£AntinA Republic __ . Krone____________ Gold and silver.__ Franc_____________ .2026 .1930 ____ ____ —— Gold............................. Boliviano............... — .3893 Gold............................ Milreis British Colonies in Austra lasia and Africa. Central American States: Oostft Rica Gold .5462 Pound sterling____ 1.0000 Gold _________ Colon_____________ Gold _ _ Dollar____________ Gold ... ___ Cordoba. __ .. Silver Peso______________ .4653 1.0000 1.0000 Tael.. Dollar . . Gold___________ Dollar - Colombia Gold... _______ Peso______________ Gold ... .. Krone____________ Denmark Ecuador _______________ — Gold___________ Sucre.. K?vnt ________________ Gold___ ... .... Pound (100 piasters) ............ - Finland _________________ Gold _ France_________________ Gold and Germany __ Great Britain _ _ -Greece . _ __ Haiti -__ - Italy __ Japan Liberia ..... Mexico Netherlands . . . Newfoundland .1930 .1930 Mark_____________ Pound sterling____ Gold and silver.__ Drachma................... .2382 4.8665 .1930 Gold... Gold Gourde___________ .2500 Rupee____________ Piaster ___________ Gold and silver.__ Lira______________ .3244 1.0008 .1930 Gold________ . Yen_______________ Gold___________ Dollar.. .... .4985 1.0000 Gold_________ .. . Silver ... Gold Gold______ Gold_______ _ . Peso... . Guilder (Florin) Dollar Gold............................. Krone . Balhoa___ ___ . Panama_____________ _____ Gold.. Paraguay__________ _____ Gold............. ............... Peso (Argentine) . Persia ..... . . { Gold....... ..................... Achreti n.rau__________ Silver..... Norway Pern Philippine Tolands Portugal 1.0000 .2680 .4867 4.9431 Markka___________ silver.... Franc_____________ - - _________ Gold___________ India (British! Tndn-China .9271 .5000 .3650 Amoy____ J 1.5191 Canton ___ 1.5146 Cheefoo... 1.4529 Chin Kiang 1.4840 Fuchau.... 1.4052 Haikwan 1.5457 (customs). Hankow... 1.4213 Kiaochow. 1.4721 Nankin.... 1.5033 Niuchwang 1.4248 Ningpo.... 1.4606 Peking.... 1.4810 Shanghai.. 1.3876 Swatow ... 1.4033 Takau......... 1.5287 Tientsin... 1.4721 Yuan .9955 Hongkong. .9991 British .... .9991 Mexican__ 1.0065 .9733 Silver___________ _______ flhina 4.8665 Gold............................. Dollar Nicaragua Guatemala........................ 1 Honduras____________ 1 Sal va<R*r - - - Gold_______ ______ Colon----------------- 1. Gold Peso___________ Chile Gold Gold.... Gold _ Rnnmania Russia ............ Santo Domingo Serhia ... Siam Spain ... . Gold Gold Gold Gold______ . Gold Straits Settlements..... . . Sweden.... ... Switzerland . Gold____ Gold______ Gold.... Libra . Peso . Escudo ........ _ ... Leu_______ _____ Ruble_________ Dollar Dinar Tical. _ . . . .. Gold and silver.__ Peseta — _ . . . Tnrkev Gold Tlrngnav Gold Venezuela Gold............................. Dollar . Krona.. Franc . .... Piaster .4985 .4020 1.0000 .2680 1.0000 .9648 .0959 .1476 4.8665 .5000 1.0805 .1930 .5146 1.0000 .1930 .3709 .1930 .5678 .2680 .1930 .0440 Peso__ ... . _ _. Bolivar Currency: Depreciated paper, convertible at 44 per cent of face value; exchange rate about $0.4325. Exchange rate about $0.0061=1 krone. Member of Latin Union; gold is the actual standard. Exchange value $0,098. 124 bolivianos equal 1 pound sterling. Exchange rate about $0.3257. Currency: Government paper. Exchange rate about $0.28 to the milreis. 1.0342 .1930 Exchange rate $0.3448 —1 colon. Exchange rate $0,995. (Guatemala: Currency, inconvertible paper. 1 Honduras: Currency, bank notes. Exchange rate about $0.5128. Currency: Inconvertible paper; exchange rate, about $0.1825. The tael is a unit of weight; not a coin. The customs unit is the Haikwan tael. The values of other taels are based on their relation to the value of the Haikwan tael. The Yuan silver dollar of 100 cents is the monetary unit of the Chinese Republic: it is equivalent to .644+ of the Haikwan tael. Currency: Government paper and gold; exchange rate, about $1.0152 to 1 gold peso. Exchange rate $0.1925—1 krone. Exchange rate $0.4695. The actual standard is the British pound sterling, which is legal tender for 974 piasters. Exchange rate $0.03 — 1 markka. Member of Latin Union; gold is the actual standard. Exchange value $0.0952. Exchange rate about $0.0215=1 mark. Exchange value $3.83. Member of Latin Union; gold is the actual standard. Exchange value $0,155. Currency: Inconvertible paper; exchange rate, approxi mately, $0.20. (15 rupees equal 1 pound sterling.) Exch. rate $0.4525. Member of Latin Union: gold is the actual standard. Exchange value $0.0769. Exchange value $0.5025. Currency: Depreciated silver token coins. Customs duties are collected in gold. Exchange value silver pes# $1,015; gold peso $0.50. Exchange value $0.3775. Exchange rate $0.2075 — 1 krone. Currency: Depreciated Paraguayan paper currency. ) Currency: Silver circulating above its metallic value; 1 exchange value of silver kran, approximately, $0,179. Exchange rate about $4.30. Exchangerate about $0.4925. Currency: Inconvertible paper; ex. rate about $0,364. Exchange rate about $0.031=1 leu. Exchange rate about $0,046 = 1 dinar. Exchange rate 0.395—1 tical. Valuation is for gold peseta; currency is notes of the bank of Spain, exchange value, approximately, $0,195. Exchange rate $0.5025. Exchange rate $0.2175 — 1 krona. Member of Latin Union: gold is the actual standard. Exchange value $0.1812. (100 piasters equal to the Turkish £.) Exchange rate about $1.50=1 Turkish £. Exchange rate $1.05. Exchange rate about $0.2325. t The exchange rates shown under this heading are recent New York quotations and are given merely as an indication of the values of currencies which are fluctuating in their relation to legal standards. NUMERICAL SYSTEM BANK TRANSIT MAP, i INDEX 120’ 125’ Prefix Numbers 8 110’ CITIES 1 New York, N.Y. 2 Chicago, Ill. 3 Philadelphia,Pa. 4 St. Louis, Mo. 5 Boston, Mass. 6 Cleveland, Ohio 7 Baltimore, Md. 8 Pittsburg, Pa. 9 Detroit, Mich. 10 Buffalo, N. Y. 11 San Francisco, Cal. 12 Milwaukee, Wis. 13 Cincinnati, Ohio 14 New Orleans,La. 15 Washington, D. C. 16 Los Angeles, Cal. 17 Minneapolis, Minn. 18 Kansas City, Mo. 19 Seattle, Wash 20 Indianapolis, Ind. 21 Louisville, Ky. 22 St. Paul, Minn, 23 Denver, Colo. 24 Portland, Ore. •25 Columbus, Ohio 26 Memphis, Tenn. 27 Omaha, Neb. 28 Spokane, Wash. 29 Albany, N. Y. 30 San Antonio, 31 Salt Lake City, Utah 32 Dallas, Tex. 33 Des Moines, la. 34 Tacoma, Wash. 35 Houston, Tex. 36 St. Joseph, Mo. 37 Ft. Worth, Tex. 38 Savannah, Ga. 39 Oklahoma City, Okla. 40 Wichita, Kan. 41 Sioux City, la. 42 Pueblo, Colo. 43 Lincoln, Neb. 44 Topeka, Kan. 45 Dubuqhe, la. 46 Galveston, Tex. 47 Cedar Rapids, la. 48 Waco, Tex. 49 Muskogee, Okla. O 99 Wyoming c o O 9^Gro^al~-' 45' ) s • H Af A 93 N A 'JESOTA 75 Min • I -4 I a,t i-ake Q,t »37 A/ ">'O y 0 M I 99 N G ” E N B R A 76 /u V // >orv 1 S ImahaA Moines* 33 Denver/ C ° L 0 J 82! A I D O °Puebio \ jSt. Joseph 36 44 Topeka o I Kansas 83 ' 18 I oWichita 40 MISSOURI 80 1° 4 R - A L 94 \ SB N c /'\ STATES 50 New York 51 Connecticut 52 Maine 53 Massachusetts 54 New Hampshire 55 New Jersey 56 Ohio 57 Rhode Island 58 Vermont 59 ........................ 60 Pennsylvania 61 Alabama 62 Delaware 63 Florida 64 Georgia 65 Maryland 66 North Carolina 67 South Carolina 68 Virginia 69 West Virginia 70 Illinois 71 Indiana 72 Iowa 73 Kentucky 74 Michigan 75 Minnesota 76 Nebraska 77 North Dakota 78 South Dakota 79 Wisconsin 80 Missouri 81 Arkansas 82 Colorado 83 Kansas 84 Louisiana 85 Mississippi 86 Oklahoma 87 Tennessee 88 Texas 89 ........................ 90 California 91 Arizona 92 Idaho 93 Montana 94 Nevada 95 New Mexico 96 Oregon 97 Utah 98 Washington A AT 39 / 2 O /v 91 o’Muscogee Oklahoma o I E N N 87 E s 49 OKLAHOMA 86----------------- ARKANSAS 81 V ALABAMA \J 61 & Fort Wortho oDallas 32 37 . T \ 64 ah °Waco 48 88 .San Antonio 30 o Houston ° 35 ’Galveston 46 z e ~o- RAND-McNALLY & CO. NUMERICAL SYSTEM BANK TRANSIT MAP Copyright by Rand-McNally & Co. liov 105’ 6100’ 95’ 10 11 12 13 Reserves Required to be held by members in Federal Reserve Bank Banks Not in Reserve or Central Reserve City Reserve City Banks Central Reserve City Banks 7% of Demand Deposits 3% of Time Deposits 10% of Demand Deposits 3% of Time Deposits 13% of Demand Deposits 3% of Time Deposits Central Reserve Cities 2. *NEW YORK CITY . . . . 8. ST. LOUIS 7. CHICAGO Reserve Cities ‘4k! Albany, N. Y. 6.*Atlanta, Ga. Br.5. Baltimore, Md. Br.6. Birmingham, Ala. 1. Boston, Mass.. Brooklyn, N. Y. Br.2. Buffalo, N. Y. Cedar Rapids, Iowa Charleston, S. C. Chattanooga, Tenn. Br.4. Cincinnati, O. 4. Cleveland, O. Columbus, O. 11. Dallas, Texas Br.10. Denver, Colo. Des Moines, Iowa Br.7. Detroit, Mich. Dubuque, Iowa Br.ll. El Paso, Texas Fort Worth, Texas Galveston, Texas Grand Rapids, Mich. Br.9. Helena, Mont. Br.ll. Houston, Texas Indianapolis, Ind. Br.6. Jacksonville, Fla. Kansas City, Kan. 10. Kansas City, Mo. Lincoln, Neb. Br.8. Little Rock, Ark. Br.12. Los Angeles, Cal. Br.8. Louisville, Ky. Br.8. Memphis, Tenn. Milwaukee, Wis. 9. Minneapolis, Minri? Muskogee, Okla. Br.6. Nashville, Tenn. Br.6. New Orleans, La. Oakland, Cal. Ogden, Utah Br.10. Oklahoma City,Okla. Br.10. Omaha, Neb. Peoria, Ill. 3. Philadelphia, Pa. Br.4. Pittsburgh, Pa. Br.l£. Portland, Ore. Pueblo, Colo. 5. Richmond, Va. St. Joseph, Mo. St. Paul, Minn. Br.12. Salt Lake City,Utah San Antonio, Texas 12. San Francisco, Cal. Ag’y 6 .Savannah, Ga. Br.12. Seattle, Wash. Sioux City, Iowa Br.12. Spokane, Wash. Tacoma, Wash. Toledo, Ohio Topeka, Kan. Tulsa, Okla." Waco, Texas Washington, D. C. Wichita, Kan. * Those cities which are preceded by a number are Federal Reserve Bank cities and the number in each instance is the District number in which the city is located. Br. signifies that a branch bank is located in that city. Ag’y signifies that an agency is located in that city. Office of the Secretary, 111 W. Monroe Street, Chicago BOARD OF GOVERNORS Artr M. Anderson, New York Hsd Stanley, New York O. Willcox, New York Aar Sinclair, Jr., New York G<e B. Caldwell, New York G<e G. Olmstead, Bamin F. T R. Cassatt, Thomas S. Gates, Philadelphia David R. Francis, Jr., St. Louis Philip S. Dalton. Boston. B. G. Tillotson, Cleveland William G. Baker, Jr., Baltimore J.S. Wilson, Jr., Baltimore H. C. McEldowney, Pittsburgh McPherson Browning, Detroit Dean Witter, San Francisco Henry C. Quarles, Milwaukee Gordon Reis, Cincinnati R. S. Hecht, New Orleans Herbert Witherspoon, Seattle John A. Prescott, Kansas City Will H. Wade, Indianapolis Richard M. Day, Denver Roby Robinson, Atlanta OFFICERS Vice-President, J. Hugh Powers, St. Louis Vice-President, Roy O. Osgood, Chicago Secretary, Frederick R. Fenton. Chicago Assistant Secretary, Clayton G. Schray, Chicago Treasurer, Watkin W. Kneath, Chicago lent, George W. Hodges, New York [•President, John E. Oldham. Boston sident. Howard F. Beebe, New York resident, George K. Reilly, Philadelphia FARM MORTGAGE BANKERS ASSOCIATION OF AMERICA Offices of Secretary-Treasurer/112 W. Adams St., Chicago -in OFFICERS Vice-President, W. M. Fitch, Mississippi Valley Trust Co., St. Louis, Mo. _ . Secretary-Treasurer, E. D. Chassell, 112 West Adams St., Chicago, Ill. Bdent, J. E. Maxwell, Maxwell Investment Co., Kansas City, Mo VPresident, L. W. Clapp, First Trust Co., Wichita, Kan. VPresident, J. W. Wheeler, Capital Trust and Savings Bank, . Paul, Minn. UMERICAL SYSTEM OF THE AMERICAN BANKERS ASSOCIATION For Index to Prefix Numbers see Numerical System Map Immediately Opposite ' RAND McHALLYl 'BANKERSL 'DIRECTORY! BLUE. BOOK WOgTHE WOR ifpTOVER, Official Numbering Agent for American Bankers Association 19 STATE BANK OFFICIALS AND EXAMINERS, 1920 State Name State Address . D. F. Green, Supt. of Banks.............. Montgomery. George N. Wilson, Bank Examiner.. .Decatur. V. H. Northcutt, Bank Examiner.. . .Troy. S .B. Wilson, Bank Examiner............ Birmingham. E. L. Ratclifle, Bank Examiner......... Montgomery. C. R. Keener, Office Assistant...........Montgomery. Ariz. .Jesse L. Boyce, Supt. of Banks.......... Phoenix. M. S. Stanley, Deputy Supt. of BanksPhoenix. F. E. Ross .Bank Examiner................Phoenix. P. J. Munch, Asst. Bank Examiner. . Phoenix. Ark. .W. T. Maxwell, Bank Commissioner. Little Rock. F. Lee Major, Asst. Bank Com.........Little Rock. H. G. Combs, Asst. Commissioner in charge of Investment Companies. . Little Rock. J. M. Sadler. Bank Examiner............ Conway. S. J. Dean, Bank Examiner...............Arkadelphia. Oliver Phillips, Bank Examiner..... .Little Rock. L. S. Goodman, Bank Examiner........ Little Rock. Calif. .Charles F. Stern, Supt. of Banks. . . .7th Floor, Merch. N. Bk. Bldg., San F. Colo.. .Grant McFerson, Bank Com.............. Denver. Axel B. Olson, Chief Deputy Bank Commissioner................................... Denver. Sidney W. Clark, Deputy Bank Com.Denver. M. M. Ewing, Deputy Bank Com... .Denver. Conn. .E. J. Sturges, Bank Commissioner. . .Hartford. J. K. Bissland, Deputy Com.............. Thompsonville. Mary E. Elwood, Bank Examiner.. . .Hartford. Wm H. Edwards, Bank Examiner.. .Portland. Wm. P. Landon, Bank Examiner.... Hartford. J. B. Byrne, Bank Examiner..............Putnam. H. H. Howard, Bank Examiner.........Hartford. C. Leon Wilcox, Bank Examiner...... Windsor Locks. George A. Finn, Bank Examiner....... Greenwich. Frank W. Adams. Bank Examiner.. .Hartford. Dela... . . Geo. L. Medill, Bank Commissioner.. Dover. Fla........ . W. S. Murrow, Bank Examiner......... Tallahassee. J. G. Gornto, Bank Examiner............Ocala. F. E. Henderson. Bank Examiner... Jacksonville. K. B. O'Quinn, Bank Examiner........ Clearwater. Ga.. \T.: R. Bennett, Supt. of Banks..........Atlanta. E. A. Thompson. Asst. Supt...............Atlanta. J. E. Cagle, Bank Examiner............... Atlanta. L. E. Fenn, Bank Examiner................ Cordele. R. E. Gunby, Bank Examiner........... Columbus. B. J. Kincaid. Bank Examiner.......... Thomasville. Oscie Smith. Bank Examiner..............West Point. J. S. Hollinshead, Asst. Bk. ExaminerDecatur. E. B. Douglass. Bank Examiner........ Talbotton. G. H. Crusselle, Bank Examiner........Atlanta. W. D. Lloyd, Bank Examiner............Richland. E. A. Stubbs, Bank Examiner.......... Atlanta. J. B. Sasser, Bank Examiner..............Atlanta. J. H. Edge, Bank Examiner.............. Cairo. J. O. Hardwick, Special Duties........Atlanta. Idaho. .Jay Gibson, Bank Commissioner....... Boise. H. G. A. Winter, Chief Deputy Bank Commissioner................................... Boise. Chas. Weigand, Deputy Bank Com. .Boise. Illinois. . Andrew Russel, Auditor..................... Springfield. Harry T. Ellis, Chief Clerk of Bank ing Department............................... 1434 1st N. Bk. Bldg Chicago. W. B. Whitlock, Asst. Chief Clerk Banking Department......................Springfield. Ralph R. Fairbairn, Bank Examiner. 1434 1st N.Bk.Bldg., Chicago. Miller Weir, Consulting Bank Ex. .. .Springfield. J. W. McClellan, Bank Examiner... .Springfield. John B. Lee, Bank Examiner............. Springfield. Fred W. Bland, Bank Examiner........ Chicago, F. E. Edgerton, Bank Examiner........ Springfield. H. S. Savage, Bank Examiner........... Springfield. Wm. Burkhart, Bank Examiner........ Springfield. E. E. Nicholson, Bank Examiner. . . .Springfield. Ind. .Otto L. Klauss, Auditor..................... Indianapolis. Chas. W. Camp, Chief Clerk..............Indianapolis. Robert R. Head, Bank Examiner. .. .Plymouth. Dane H. Hoover, Bank Examiner... .Eaton. Thos. D. Barr, Bank Examiner..........Indianapolis. Wylie L. Hastings, Bank Examiner. . Princeton. Ralph R. Boyers, Bank Examiner... . Spencer. L. B. Holleman, Bank Examiner...... Indianapolis. Robert Prass, Bank Examiner........... Indianapolis. Glanton G. Welsh, Bank Examiner. . Greensburg. Iowa.... . G. H. Messenger, Supt. of Banking. . Des Moines. V. W. Miller, Deputy Supt.................Des Moines. F. F. Potter, Bank Examiner............. Mason City. R. F. Wilson, Bank Examiner.......Fairfield. Chas. H. Suiter, Bank Examiner....... Davenport. Roy K. Dowell. Bank Examiner........ Des Moines. Roy F. Long, Bank Examiner............Des Moines. G. A. West, Bank Examiner. . .......... Cedar Rapids. A. J. Bertelson, Bank Examiner....... Cushing. F. F. Potter, Bank Examiner............ Mason City. F. I. Jenkins, Bank Examiner...........Meriden, E. R. Harris, Bank Examiner........... Des Moines. R. W. Waite, Bank Examiner........... Morley. A. V. Cooper, Bank Examiner.......... Creston. Kansas. .Walter E. Wilson, Bank Com............ Topeka. Frank Organ, Special Assistant......... Topeka. L. A. Johnson, Asst. Bank Com......... Topeka. Stanley Brown. Deputy Bank Com... Independence. Frank Bell, Deputy Bank Com.......... Topeka. E. V. Wood, Deputy Bank Com........ Baldwin City. C. L. Cramer, Deputy Bank Com.... Salina. O. G. Congdon, Deputy Bank Com...Newton. W. T. Newman, Bldg. & Loan Ex... .Topeka. F. J. Harper, Deputy Bank Com.......Salina. H. A. Johnson, Deputy Bank Com.. .Norton. E. L. Chapman, Deputy Bank Com..Great Bend. O. S. Bowman. Deputy Bank Com.. . Topeka. W. D. Kinnamon, Deputy Bk. Com.. Sedan. C. W. Edwards, Special Deputy Bank Com................................................... Waterville. W. H. Mitsch, Special Deputy Bank Com................................................... Woodbine. Name Address Ky.............G. G. Speer, Banking Commissioner.. Frankfort. Jno. W. Moorman, Deputy Bkg. Com.Leitchfield. W. C. Shanks, Bank Examiner.......... Stanford. J. S. Walker, Bank Examiner............ Frankfort. Miss Anne R. Porter, Chief Clerk... .Frankfort. Miss Christine Foree, Asst. Clerk.. . .Frankfort. P. C. Snyder, Bank Examiner............Fordsville. E. Huddleston, Bank Examiner.........Albany. Ala........ . . . .L. E. Thomas, State Examiner..........Shreveport. W. C. Evans, Asst. Bk. Examiner.. . .Shreveport. J. S. Brock, Asst. Bank Examiner... .New Orleans. H. I. Landry, Asst. Bank Examiner. .New Orleans. I. H. Snyder, Asst. Bank Examiner.. New Orleans. O. H. Pittman, Asst. Bank Examiner New Orleans. J. V. Keating, Asst. Bank Examiner .New Orleans. Maine. . . .Frank L. Palmer, Bank Com......... .’.Augusta. Geo. C. Fernald, Deputy Bank Com..Augusta. Ernest L. Wellman, Bank Examiner. Augusta. A. H. Nichols, Bank Examiner.......... Augusta. A. J. S. Keene, Bank Examiner......... Augusta. Victor B. Pendexter, Accountant. . . .Augusta. Claridel Bradstreet. Chief Clerk........ Augusta. Md............ Geo. W. Page, Bank Commissioner, Union Trust Bldg............................Baltimore. “ John J. Ghingher, Deputy Bank Com missioner, Union Trust Bldg........... Baltimore. “ Wm. Reed Seal, Chief Clerk and Examiner, Union Trust Bldg........ Baltimore. “ Chas. L. Hobbs, Clerk and Examiner, Union Trust Bldg............................ Baltimore. “ John D. Hospelhorn, Clerk and Examiner, Union Trust Bldg....... Baltimore. Mass......... A. L. Thorndike, Bank Com............. .Brewster. C. W. Levi, Deputy Commissioner.. .Newton Center. W. O. Lovell, Chief of Sav. Bk. Div..Malden. C. W. Levi, Chief of Tr. Co. Division.Newton Center. O. M. Tucker, Chief of Co-operative Bank Division.................................. Somerville. W. S. Bosworth, Special Examiner... Malden. W. H. Otis, Bank Examiner.............. Melrose. H. F. Taylor, Jr., Bank Examiner. . .Wakefield. R. T. Harward, Bank Examiner.... .Medforck W. B. Jensen, Bank Examiner........... West Somerville. ........ F. W. Merrick, Bank Commissioner. Lansing. A. E. Manning, Deputy Bank Com.. Lansing. P. S. Hanna, Bank Examiner............ Lansing. H. O. Mohrmann, Bank Examiner. . .Traverse City. John T. Mallett. Bank Examiner.. . .Lansing. F. W. Lawrence, Bank Examiner. . . .Iron Mountain. L. J. Baker, Bank Examiner..............Lansing. Wm. C. Griswold, Bank Examiner. . .Detroit. H. A. Millard, Bank Examiner........ .Saginaw. B. P. Greene, Bank Examiner............Jackson. S. D. Thomas, Bank Examiner..........Ann Arbor. Albert E. Gale, Bank Examiner........ Grand Haven. L. J. O’Brien, Bank Examiner........... Grand Rapids. Scott E. Lamb, Bank Examiner........ Lansing. D. J. Vanderwerp, Jr., Bank Ex........ Grand Rapids. L. P. Kalahar, Bank Examiner..........Saginaw. Frank L. Olive, Bank Examiner........ Oxford. Harry W. Gross, Bank Examiner.... Ann Arbor. H. J. McGill, Asst. Bank Examiner. .Port Huron. Donald E. Lawrence, Bank ExaminerEaton Rapids. L. J. Kuehnle, Bank Examiner.......... Ann Arbor. E. Robt. Robinson, Bank Examiner.. Grand Rapids. L. C. Van Anken, Asst. Bk. ExaminerLansing. L. W. Martindale, Asst. Bk. Exam.. . Bay City. ........ F. E. Pearson, Supt. of Banks............ St. Paul. Geo. H. Sivwright, Deputy Supt. of Banks................................................ St. Paul. O. I. Brandvold, Bank Examiner. .. .Fergus Falls. W. T. Hanneman, Bank Examiner.. .Minneapolis. A. P. Rotert, Bank Examiner. ...... St. Paul. Wm. A. Smith, Bank Examiner........ St. Paul. D. B. Fuller, Bank Examiner............ Minneapolis. Howard J. Klossner, Bank Examiner. New Ulm. L. J. Luhman, Bank Examiner..........Preston. E. F. Kenrick, Asst. Bank Examiner. St. Paul. Geo. P. Daily, Examiner.................... E. Grand Forks. M. E. Walsh, Assistant Examiner.... St. Paul. John L. Haas, Bank Examiner.......... St. Paul. Ernest W. Swanson, Bank Examiner.Minneapolis. A. F. Schwieger, Asst. Bank Ex......... Minneapolis. H. M. Hauck, Asst. Examiner........... Mankato. F. V. Artig, Asst. Examiner............... St. Paul. N. O. Dixon, Asst. Examiner............. Minneapolis. W. B. Clement, Asst. Examiner........ Red Wood Falls. H. R. Kneeland, Asst. Examiner....... St. Peter. H. V. Montgomery, 2d Asst. Exam... Minneapolis. G. M. Durkee, Chief Clerk................ Mankato. Miss.......... M. G. McNair, Bank Commissioner.. Gulfport. N. C. Hill, Bank Commissioner......... Hattiesburg. Lewis E. Crook, Bank Commissioner.Meridian. E. F. Anderson, Bank Examiner........Clinton. J. B. Salmand, Bank Examiner......... Lumberton. Mo........ .. ,C. F. Enright, Bank Commissioner.. .Jefferson City. I. C. Uptegrove, Deputy Bank Com. Jefferson City. C. O. Craig, Bank Examiner.............. Clinton. Ben E. Turner, Bank Examiner........ Kirksville. W. W. Seibert, Bank Examiner......... St. Louis. P. K. Gibbons, Bank Examiner......... Edina. J. M. Strong, Bank Examiner.......... Cape Girardeau. H. D. Silsby, Jr., Bank Examiner... .Springfield. Jas. T. Duncan. Bank Examiner....... St. Joseph. M. F. Cockrell. Bank Examiner........ Kansas City. R. R. Bean, Bank Examiner............. Springfield. V. D. Wall, Bank Examiner............. Jefferson City. D. A. Williams, Bank Examiner........Chillicothe. G. W. Hobbs, Bank Examiner........... St. Louis. O. G. Williams, Chief Clerk............... Jefferson City. Mont........ H. S. Magraw, Supt. of Banks........... Helena. G. A. Briebach, Asst. Supt..................Helena. A. P. Bowie, Deputy........................... Helena. G. T. Forbes, Deputy..........................Helena. J. W. Langley, Deputy........................Helena. J. W. Stearns, Deputy........................ Helena. G. Sheldon, Clerk................................ Helena. 20 STATE BANK OFFICIALS AND EXAMINERS—Continued State Name State Address Nev........... Gilbert C. Ross, Bank Examiner....... Carson City. N. H........ James O. Lyford, Chairman Bk. Com.Concord. “ Frederic S. Nutting, Bank Com......... Manchester. “ Guy H. Cutter, Bank Commissioner .Joffrey. N. J..........Frank H. Smith, Commissioner..........Trenton. Thomas K. Johnston. Deputy Com. .Trenton. L. R. Vredenburgh, Bank Examiner. Somerville. Hugh H. Hilson, Bank Examiner.. . .Trenton. Horace Biddle, Asst. Bank Examiner.Ocean Grove. Alvin L. Fowler, Bank Examiner.... Haddonfield. Chas. H. Dunham, Bank Examiner.. Plainfield. A. S. Amerman, Bank Examiner....... Somerville. Robt. F. Minch, Bank Examiner.... Bridgeton. Chas. B. Veghte, Bank Examiner... .Metuchen. Ray E. Mayham, Bank Examiner. . .Orange. Wm. E. Walter, Bank Examiner........Rutherford. Geo. Compton, Bank Examiner.........Trenton. Chas. M. Bilderback. Bank ExaminerWenonah. Address , Okla.......... Fred G. Dennis Commissioner...... Oklahoma City. E. M. Tankersley, Asst. Bk. Com... .Oklahoma City. “ W. J. Martin, Bank Examiner........... Oklahoma City. Ray P. King, Bank Examiner............Oklahoina City. “ H. C. Carpenter, Bank Examiner... .Oklahoma City. “ John Knox, Bank Examiner........ .Oklahoma City. “ D. A. Duncan, Bank Examiner.......... Oklahoma City. “ R. B. Hotchkiss, Bank Examiner. .. .Clinton. E. T. Plummer, Bank Examiner........ OklahomaJCity. J. J. Petty, Bank Examiner............... Oklahoma.City. “ Ray Wolcott, Bank Examiner....................... OklahomaCity. *• C. McCoy.Bldg. and Loan Auditor. .Oklahoma City. N. M.........J. B. Read, Bank Examiner................ Santa Fe. “ J. O. Miller, Deputy Bank Examiner.Santa Fe. N. Y..........George I. Skinner, Superintendent.. .Albany. “ Guernsey R. Jewett, 2d Deputy......... White Plains. " George Overocker, 3d Deputy............. Poughkeepsie. “ Edward R. Anker, Land and Opinion Clerk................................................. N. Y. City. “ J. Johnson Ray, Private Secretary. . .Norwich. “ Geo. V. McLaughlin, Special Deputy Supt. of Banks, in charge of Liquidation Bureau.........................61Br’dway,N.Y.City A. T. Campbell, Chief Examiner. . . ,61Br’dway,N.Y.City H .J. Young, Bank Examiner.................... Syracuse. E. L. Dodge, Bank Examiner............ 61Br’dway,N.Y.City R. W. Humphrey, Bank Examiner.. ,61Br’dway,N.Y.City G. S. Adams, Bank Examiner............ 61Br’dway,N.Y.Oity J. S. Love, Bank Examiner................61Br’dway,N.Y.City B. D. Haight, Bank Examiner.......... 1036 Harvard, Gordon F. Smith, Bank Examiner.. ,61Br’dway,N.Y.City H. S. Andrews. Bank Examiner........ 61Br’dway,N.Y.City W. A. MacCallum, Bank Examiner.. Rochester. Claude Hutchins, Bank Examiner. . .586 Ashland Ave., Buffalo. G. A. Plant, Bank Examiner............. Albany. N. T. Killip, Bank Examiner............ Oswego. A. B. Wheeler, Bank Examiner......... 61Br’dway,N.Y.City J. J. Kennedy, Bank Examiner......... 61Br’dway,N.Y.Oity Fletcher G. Crane, Bank Examiner. .61Br’dway,N.Y.City Geo. W. Egbert, Chief Credit Bureau.Mariners Harbor. B. B. Bullock, Bank Examiner.......... New York City. A. H. Morey, Bank Examiner........... Buffalo. Francis X. Werneken, Bank Exam.. ,61Br’dway,N.Y.City H. B. Kennedy, Bank Examiner....... Auburn. T. A. Pyterman, Bank Examiner. .. ,61Br’dway,N.Y.City Norman J. Macdonald, Bk. Exam.. ,61Br’dway,N.Y.City Joseph H. Zweeres, Bank Examiner.. 61Br’dway,N.Y.City John I. Mesick, Bank Examiner........61Br’dway,N.Y.City F. W. Piderit, Bank Examiner..........61Br’dway,N.Y.City Peter N. Shippee, Bank Examiner. . .Albany. Nathaniel Orens, Bank Examiner....61 Br’dway.N.Y.City Milton L. Masson, Bank Examiner. .61Br’dway,N.Y.City Benedetto A. Palumbo, Bank Exam. 61Br’dway,N.Y.City J. S. Frazer, Bank Examiner............. Albany. J. M. Kinney, Bank Examiner...... Buffalo. A. H. Snodgrass, Bank Examiner... . 61Br’dway,N.Y.City Wm. T. McCaffrey, Bank Examiner. Syracuse. A. B. Clark, Bank Examiner............. Buffalo. John C. O’Byrne, Bank Examiner.. .Albany. S. I. Chittenden, Bank Examiner... ,61Br’dway,N.Y.City G. F. Berger, Jr., Bank Examiner. . .Buffalo. Arthur B. Vogel, Bank Examiner.... 61Br’dway,N.Y.City Emmet W. Irving. Bank Examiner. .61Br’dway,N.Y.City C. C. Hathaway, Bank Examiner.... 61Br’dway,N.Y.City Rho L. Bush, Bank Examiner........... 61 Br’dway.N.Y.City Louis N. Roe, Bank Examiner............. 61 Br’dway.N.Y.City Ralph T. Simmons, Bank Examiner..61Br’dway,N.Y.City Arthur Koch, Bank Examiner........... Saratoga Springs. G. M. Aldrich, Bank Examiner......... 61Br’dway,N.Y.City F. L. H. Holzer, Bank Examiner. .. ,61Br’dway,N.Y.City Ralph E. Haven, Bank Examiner... .Adams. Wm. Cuffney, Bank Examiner.......... 61Br’dway,N. Y.City Geo. E. Varcoe, Bank Examiner....... 61Br’dway,N.Y.City Lawrence H. Geser, Bank Examiner.61Br’dway,N.Y.City Geo. A. Strack, Bank Examiner........ 61Br’dway,N. Y.City L. W. Palmer, Bank Examiner......... 61Br’dway,N.Y.City Frank B. McLaughlin, Bk. Examiner Syracuse. Chas. H.' Eshelman, Bank Examiner.Niagara Falls. Herbert C. Rogers, Bank Examiner. .61Br’dway,N.Y.City Franklin W. Wright, Bank Exam.. .. 61Br’dway,N.Y.City George W. Smith, Jr., Bank Exam.. ,61Br’dway,N.Y.City Ore............ Will H. Bennett, Supt. of Banks......... Salem. “ Marshall Hooper, Asst. Supt. and Examiner............................................Salem. W. M. Adair, Examiner.......................Salem. A. A. Schramm, Examiner...................Salem. “ Stanley L. Stewart, Asst. Bk. Exam.. Salem. Pa..............John S. Fisher, Commissioner............. Indiana. John W. Morrison, 1st Deputy Com. Wayne. P. G. Cameron, 2d Deputy Com....... Harrisburg. Jos. S. Riley, Bank Examiner............ 1528 N. 19th St., Philadelphia. “ Albert Wagner, Bank Examiner........ 311 Ferguson Bldg., Pittsburgh. H. A. Groman, Bank Examiner......... Bethlehem. H. R. Moyer, Bank Examiner............Quakertown. “ Robt. R. Moore, Bank Examiner... .Bellevue. “ Chas. A. Steele, Bank Examiner........ Franklin. “ Chas. Cavett, Bank Examiner............6 Mansfield Ave., Pittsburgh. W. H. Anstine, Bank Examiner........ Dallastown. Thomas Dixon, Bank Examiner........ 2029 Brandywine]St, Philadelphia. “ Robert Ostermaier, Bank Examiner. .448 Fourth Ave., Pittsburgh. A. A. Keiser, Bank Examiner........ . .. Jenkintown. J. T. Henry, Bank Examiner............. 4901 Walton Ave., Philadelphia. A. F. Daix, 3d, Bank Examiner.........2318 Columbia"'Ave, Philadelphia.] Harry J. Phillips, Bank Examiner. . . Etna. Geo. H. Wagner, Bank Examiner.. . .2730 Girard Ave.. Philadelphia. C. H. Graff, Bank Examiner..............Kittanning. Wm. M. Boggs, Bank Examiner........ Valencia. F. A. Heim, Bank Examiner.............. Williamsport. W. R. Smith, Bank Examiner............ 814 N. 63d'St., Philadelphia. J. A. Taylor, Bank Examiner............ Indiana. R. W. Knowles, Bank Examiner........6321 Ross St., Philadelphia. R. S. Ruth, Bank Examiner............... Scranton. L. W. Dennison, Bank Examiner. . . .Warren. George Baleman, Bank Examiner.. . . West Chester. D. A. Henderson, Jr., Bank ExaminerBrookviUe. P. F. Snyder, Bank Examiner............Lititz. “ M. P. Claney, Bank Examiner.......... 408 East End Ave.. „ T „ Pittsburgh. F. L. Homsher, Bank Examiner........ Strasburg. R. I.......... Geo. H. Newhall, Commissioner........ Providence. “ E. J. Littlefield. Deputy Com.............Providence. W. L. Offer, Bank Examiner..............Providence. S. C...........James H. Craig, State Bk. Examiner. Anderson. F. E. Watson, Asst. Bk. Examiner. . .Marion. W. W. Bradley, Asst. Bk. Examiner.. Abbeville. S. D.......... John Hirning, Supt. of Banks.............Pierre. J. F. McEwen, 1st Deputy Supt. of Banks................................................ Pierre. A. F. Wosnuk, Examiner................... Aberdeen. E. J. Morris, Examiner.......................Aberdeen. Chris. Hirning, Examiner...................Pierre. U. G. Stevenson, Examiner............... Yankton. J. R. Shirey, Examiner....................... McLaughlin.. F. S. Lytle, Examiner.........................Pierre. F. S. Barber, Examiner...................... Onida. “ W. Edward, Examiner.........................Watertown. N. C.......... Clarence Latham, Bank Examiner. . .Raleigh. “ C. W. Cloninger, Asst. Bk. Examiner Raleigh. “ T. H Bennett, Asst. Bk. Examiner. .Raleigh. “ G. S. Attmore, Jr., Bank Examiner. .Raleigh. “ Thurman Williams, Bank Examiner.. Raleigh. N. D......... O. E. Lofthus, Bank Examiner.......... Bismarck. “ Gilbert Semingson, Chief Deputy.. . . Bismarck. “ W. S. Mitchell, Office Deputy............ Bismarck. H. O. Paulson, Deputy.......................Drake. “ O. E. Engemoen, Deputy.................... Steele. Orin Baertsch, Deputy....................... Dawson. F. B. McAneney, Deputy...................Devils Lake. O. E. Bergstrom, Deputy................... Minot. “ ' John Bena, Deputy.............................Lankin. “ L. E. Dickerson, Deputy.................... Beach. Gilbert Brattland, Deputy................. Bismarck. " Chas. Carpenter, Deputy....................Grafton. “ Hermann Scheffer, Deputy................. Bismarck. M. E. Howland, Deputy.....................Valley City. “ J. W. Tanger, Deputy.........................Page. Name Ohio..........Ira R. Pontius, Superintendent...........Columbus. Robert T. Crew, Attorney Examiner.Columbus.' John H. Lange, Chief Examiner..... Columbus. George Walters, Bank Examiner....... Cleveland. Clyde Sharp Bank Examiner...... .Ada. ( W. J. Skehan, Bank Examiner.......... Toledo. D. J. Schurr, Bank Examiner............ Columbus. Dudley A. Filler, Bank Examiner... .Columbus. Lucius C. Tatman, Bank Examiner. . Columtjus. Howard M. Sims Bank Examiner. . .Columbus. O. B. Liming, Bank Examiner........... Mt. OrAb. C. R. Blouvelt, Asst. Bank Examiner Leipsic; C. C. Morgan, Bank Examiner.......... Columbus. A. W. Pleister, Bank Examiner..........Cardington. Ralph J. Romer, Asst. Bk. Examiner:St. Henry. Henry J. Schulte, Bank Examiner. . . Cincinnati. George T. Blake, Special Deputy.... Columbus. Neb.......... J. E. Hart, Secretary............................Lincoln. R. O. Chase, Bank Examiner............. Lincoln. “ A. D. Touzalin, Bank Examiner........ Omaha. “ B. B. Helmick, Bank Examiner......... Campbell. “ Ross Brown, Bank Examiner............. Hastings. “ H. J. Matzke, Bank Examiner............Norfolk. “ Roy E. Smith, Bank Examiner........... Albion. *' Jay Riley, Bank Examiner................. Kearney. “ Ross Thornton, Bank Examiner........ Kearney. “ G. S. Eastmon, Bank Examiner.........Crawford. Tenn......... S. S. McConnell, Supt. of Banks........ Nashville. “ Hallum W. Goodloe, Asst. Supt. of Banks................................................ N ashville. Homer W. Scott, Bank Examiner... .Union City. H. O. Crumbliss, Bank Examiner.. .. Kingston. O. J. Evans, Bank Examiner..............Nashville. D. D. Robertson, Bank Examiner... .Brownsville.. T. B. Dozier, Bank Examiner............ Nashville. 21 STATE BANK OFFICIALS AND EXAMINERS—Continued State! Name Address State Texas.... .Geo. Waverly Briggs. Insurance and Banking Commissioner................... Austin. Chas. V. Johnson. Deputy Insurance Commissioner................................... Austin. F. P. Wood, General Liquidating Agent................................................ Austin. J. L. Mims, Actuary........................... Austin. A. L. Slaughter. Bank Examiner....... Austin. J. T. McMillin. Bank Examiner........Austin. O. E. Breg, Bank Examiner............... Austin. H. G. McCallon. Bank Examiner... .Austin. Carl Carlson, Bank Examiner............Austin. A. S. Ferrell, Bank Examiner............ Austin. W. N. Greer. Bank Examiner............ Austin. H. M. Barton, Bank Examiner..........Austin. W. A. Williams. Bank Examiner....... Austin. P. M. Bramlette, Bank Examiner... .Austin. John S. Wightman. Bank Examiner. .Austin. D. B. Diggs, Bank Examiner............. Austin. Easley Waggoner, Bank Examiner.. .Austin. Jacob Embry, Bank Examiner...........Austin. W. G. Forrest, Bank Examiner.......... Austin. G. B. Hogan, Bank Examiner............ Austin. O. J. Maner, Bank Examiner............. Austin. S. D. Young, Bank Examiner............ Austin. L. V. Myrich. Bank Examiner........... Austin. T. P. Priddie, Jr., Bank Examiner... Austin. Geo. Seller, Bank Examiner............... Austin. Nolan Taylor. Bank Examiner.......... Austin. Utah......... N. T. Porter, Bank Commissioner. . .Centerville. W. E. Evans. Bank Examiner............Salt Lake City. Aubrey Tolton. Bank Examiner........ Salt Lake City. Vt............. G. B. Carpenter. Bank Com................Montpelier. InezM. Besett, Chief Clerk...............Montpelier. H. E. Pease. Bank Examiner............. Montpelier. Name Address Va......... . F. B. Richardson, Chief Examiner... Richmond. E. A. Leake, Asst. Bank Examiner... Richmond. W. T. Daniel, Asst. Bank Examiner..Waverly. R. C. Eaton. Asst. Examiner..............Richmond. M. E. Bristow, Asst. Examiner.......... Richmond. Wash.... . Louis H. Moore, Bank Examiner.... Olvmpia. C. H. Eberting, Deputy Com............. Seattle. Geo. F. Palmer, Deputy Bk. Exam... Hoquiam. Claude P. Hay, Bank Examiner........ Sultan. O. R. Hupp, Bank Examiner..............Oakesdale. Jno. A. Vanderpoel, Bank Exam........ Seattle. J. C. Minshull, Bank Examiner......... Spokane. Verne Lawrence, Secretary................Olympia. W-.Va.. J. S. Hill, Commissioner of Banking.. Charleston. Geo. M. Weekley, Asst. Oom..............Pennsboro. Geo. B. Waggoner, Asst. Oom............ Jane Lew. W. B. Holden, Asst. Oom................... Salem. Wis........ .Marshall Cousins, Commissioner....... Madison. W. H. Richards, Deputy Com............Black River Fails, A. R. Emerson, Chief Examiner........ Madison. R. B. Ellis. Bank Examiner................Madison. H. N. Nelson, Bank Examiner...........Amherst Junction. Thos. Herreid, Bank Examiner..........Madison. Chas. T. Shape, Bank Examiner........Milwaukee. O. F. Schwenker, Bank Examiner... .Eau Claire, Wallace Edwards, Bank Examiner.. .Madison. Wm. L. Carey, Bank Examiner......... Madison. Geo. D. Luscher, Bank Examiner.... Milwaukee. B. M. Backus. Bank Examiner.......... Madison. G. W. Jamieson, Bank Examiner... .Madison. Irving E. Backus, Bank Examiner. . . Madison. P. H. Linley, Bank Examiner............ Madison. Wyo.. . . .1. C. Newlin, Bank Examiner............ Cheyenne. A. L. Putnam, Asst. Bank Examiner.Cheyenne. O. F. Dickinson, Bank Examiner.... Cheyenne. Rudolph J. Hofmann, Asst. Bk. Ex... Cheyenne. Guy A. King, Asst. Bk. Ex................. Cheyenne. Official Numbering Agent for American" Bankers Association 22 LIST OF NATIONAL BANK EXAMINERS AND DISTRICTS February 16, 1920 Name and Federal Reserve District. Name and Federal Reserve District. Address. Hoffman, Lawrence W. (5)..512 Va. Ry. & Power Bldg., Richmond, Va. Hopkins, Raby L. (7).............331 Federal Bldg., Milwaukee, Wis. Horn, Charles F. (2).............. .720 U. S. Customhouse, New York, N. Y. Houston, Robert C. (7)_____ Box 735, South Bend, Ind. Hubbell, E. S. (7)...................... 832 Spring St., Elgin, Ill. Hutt, Wm. E. (11)................... Sherman, Texas. James, Arthur L. (12)______ 912 O Si., Sacramento, Cal. Jernegan, Edward S. (12)...Hotel Fresno, Fresno, Cal. Johnson, Robin M. (11)------c/o First National Bank, St. Cloud, Fla. Kennedy, J. L. (7)_________ P. 0. Box 184, Sheldon, Iowa. Kuchins, Charles R. (6)____ P. 0. Box 275, Bessemer, Ala. La Roque, O. K. (6)-------------507 Post Office Bldg., Atlanta, Ga. Longmoor, Stanley A. (ll)..c/o Asst. Postmaster, Amarillo, Texas. Lorang, Peter J. (9)_________631 First Ave., Fargo, N. D. Madland, Leland_L. (9)..........416 New York Life Bldg., Minneapolis, Minn. McBryde, W. W. (11)............ 204 Mills Bldg., El Paso, Texas. McGrath, John C. (7)______ P. O. Box 592, Indianapolis, Ind. McLean, Martin (12)_______ 310 Central Bldg., Seattle, Wash. McReynolds, J. W. (11) ....501 Southland Life Bldg., Dallas, Texas. Mansfield, Fred S. (11)-------- 501 Southland Life Bldg., Dallas, Texas. Marcuse, Benjamin (2)........... 560 W. 144th St., New York, N. Y. Martin, Charles H. (12)------ 708 Trust & Savings Bldg., Los Angeles Cal. Martin, Leo. H. (12)............ 525 First National Bank Bldg., San Fran cisco, Cal. Maxey, Charles T. (12)--------525 First National Bank Bldg., San Fran cisco, Cal. Mertens, Charles R. (7)------- Shelbyville, Ill. Miller, J. Francis (4).............. Box 163, V ilkinsburg, Pa. Minor, W. G. (7)___________ Cannelton, Ind. Mitchell, Wm. F. (2).............. 488 State St., Brooklyn, N. Y. Montgomery, Robert (4)----- 509 Nat’l Bank of W. Va. Bldg., Wheeling, W. Va. Moore, S. A. (3)-------------------416 P. 0. Bldg., Philadelphia, Pa. Morgan, Wm. M. (8)_........... 205 Federal Bldg., Louisville, Ky. Mossman, John D. 110)------ 635 Tyler Si., Topeka, Kan. Murphy, David (ID-............. Jefferson Hotel, Mount Pleasant, Tex. O’Brien, E. E. (10)-------------- Room 224 Federal Bldg., Salina, Kan. Otto, Charles C. (12)---------- S. 1124 Walnut St., Spokane, Wash. Parker, Edward F. (1)........... 75 Concord St., Woodfords Sta., Portland, Me. Partridge, Paul (7)................ 801 N. Perry Ave., Apt. No. 2, Peoria, Ill. Patterson, Bert K. (9)---------416 New York Life Bldg., Minneapolis, Minn. Peightel, John C. (8)............ 4708 Cupples Place, St. Louis, Mo. Penix, J. L. (11).......... .. ........... Crawford Apts., Waco, Texas. Pettit, E. N. (3)------------------ Room 23, P. 0. Bldg., Wilkes-Barre, Pa Raney, Harry B. (12)........... c/o Newhouse Hotel, Salt Lake City, Utah. Ransom, Frank T. (8)........... 805-6 Central Bank Bldg., Memphis, Tenn. Reed, William H (10)--------- 1515 Commerce Trust Bldg., Kansas City, Mo. Robb, Ellis D. (7)---------------- Colonial Apartments, Waterloo, Iowa. Roberts, Luther K. (3).......... 416 Post Office Bldg., Philadelphia, Pa. Roberts, W. C. (6)--------------- c/o Receiver, Heard Nat’l Bank, Jackson* ville, Fla. Sawyer, Jr., John T. (7) ....535 Downer Ave., Milwaukee, Wis. Sawyer, L. M. (12)-------------- 529 Idaho Bldg., Boise, Idano. Scott, H. W. (1)____________ Room 614, 45 Milk St., Boston, Mass. Sisk, Carl M. (3)------------------ 1240 Hill Road, Reading, Pa. CHIEF NATIONAL BANK EXAMINERS Mulloney, Daniel C. (1) ....Room 614,45 Milk St., Boston, Mass. Smith, Sherrill (2)..................... 720 U. S. Customhouse, New York, N. Y. Johnson, Edward I. (3)_____ 416 Post Office Bldg., Philadelphia, Pa. Schechter, Wm. J. (4) (Act.) 527 Williamson Bldg., Cleveland, Ohio. Doughton, J. K. (5)________ 512 Va. Ry. & Power Bldg., Richmond, Va. Pole, J. William (6).................. 507 Post Office Bldg., Atlanta, Ga. Cooper, Silas H. L. (7).......... 804 Rector Bldg., Chicago, Ill. Machen, Harry L. (8)............. 1310 Federal Reserve Bank Bldg., St. Louis, Mo. Brown, Fred (9)................... 416 New York Life Bldg., Minneapolis, Minn. Newnham, Stephen L. (10) .1515 Commerce Trust Bldg., Kansas City? Mo. Collier, Richard H. (11) ....501 Southland Life Bldg., Dallas, Texas. Gaither, H. R. (12)................ .525 First National _Bank^Bldg., San Francisco, Cal. NATIONAL BANK EXAMINERS Ackerman, Louis H. (4)......... 527 Williamson Bldg., Cleveland, Ohio. Albert, H. E. (9)........................ 416 New York Life Bldg., Minneapolis, Minn. Anheier, C. H. (9)............ ....416 New York Life Bldg., Minneapolis, Minn. Armstrong, George E. (4)...527 Williamson Bldg., Cleveland, Ohio. Aycock, Richard N. (5).......... Raleigh, N. C. Baker, Wm. B. (3).................... P. O. Box 61, Lancaster, Pa. Barrett, J. W. (3)...................... Box 977, Johnstown, Pa. Beall, J. Harvey (7)............ _.P. O. Box 824, Des Moines, Iowa. Bean, Norwin S. (1)................. 10 Federal Bldg., Manchester, N. H. Best, John A. (3)...................... Room 23 P. O. Bldg., Wilkes-Barre, Pa. Black, Harold W. (1)-----------Room 614, 45 Milk Street, Boston, Mass. Borden, John C. (6)............ .507 Post Office Bldg., Atlanta, Ga. Bradley, Arthur R. (.0)------1515 Commerce Trust Bldg., Kansas City, Mo. Brown, C. V. (3)....................... 416 Post Office Bldg., Philadelpnia, Pa. Brooks, Rogei E. (5)............... 807 Union Trust Bldg., Washington, D. C. Buckles, Ward M. (9)............. 8 Montana Bldg., Helena, Mont. Byers, Ralph W. (2)................ 1041 State St., Watertown, N. Y. ” " Camp, Albert B. (4)............... P. C. Box 202, Central Sta., Toledo, Ohio Cecil, K. B. (3).......................... 416 Post Office Bldg., Philadelphia. Pa. Challman, L. Oscar (9)........... 416 New York Life Bldg., Minneapolis, Minn. Chapman, C. H. (3)................. 413 Post Office Bldg., Philadelphia, Pa Chenault, John B. (4)---------- Maysville, Ky. Cloe, Wm. B. (5)----------------- P. O. Box 1185, Huntington, W. Va. Coffin, George M. (1)............ 118 Waverly Place, New York, N. Y. Congdon, George C. (3)......... P. 0. Box 497, Williamsport. Pa. Congdon, Sidney B. (4).....527 Williamson Bldg., Cleveland, Ohio. Cooper, Roy A. (10)............... Box 421, Hastings, Neb. Cooper, T. A. (1)___________ 28 School St., Montpelier, Vt. Crocker, Sherwood (10)..........718 Grant St., Denver, Colo. Davenport, Henry B------------ c/o Comptroller of the Currency, Wash ington, D. C. Davis, Thomas H. (5)----------512 Va. Ry. & Power Bldg., Richmond, Va Donahue, Edward J. (2)....The Greycourt Apt., Ithaca, N. Y. Donough, Milton E. (2)___ 720 U. S. Customhouse, New York, N Y Smiley, Mervale D. (9)____ Cataract Hotel, Sioux Falls, S. D. Dougherty, Wm. P. (9)------- 631 First Ave., Fargo, N. D. i DuBois, Nathan S. (4)........... 527 Williamson Bldg., Cleveland, Ohio Faris, A. B. (4)........................... Ill E. Auburn Ave., Cincinnati, Ohio Farmer, Thurston P. (10)...820 Court St., Muskogee, Okla. Filson, Chas. H. (10)............ 321 N. First St., Guthrie, Okla. u Fletcher, Thomas E. (6).___ Cordele, Ga. Folger, Wm. P. (5)................... 512 Va. Ry. & Power Bldg., Richmond, Va. Freeman, Lloyd R. (2)______ 392 Lincoln Ave., Orange, N. J. Funsten, Jr , James B. (2) ..720 U. S. Customhouse, New York, N. Y. Funsten, William P. (7)........ 804 Rector Bldg., Chicago. Ill. George, Harry L. (2).............27 N. Main Ave., Albany, N. Y. Goodell, George W. (10)------ 2070 Clermont St., Denver, Colo. Goodwyn, T. J. (5)........... ...P. O. Box 326, Columbia, S. C. Gough, E. H. (8)................... .Boonville, Ind. Gray, Wm. M. (12)............... 163 Hill St., Ocean Park, Cal. Griffin, James L. (6)............... 507 Post Office Bldg., Atlanta, Ga. Griffey, Orville A.<10).......... 812 American Nat’l Bank Bldg., Oklahoma City, Okla. Guthrie, John A. (10) . ........... Capitol Bldg., Cheyenne, Wyo. Haneke, Edward C. (4).......... 527 Williamson Bldg., Cleveland, Ohio. Hargreaves, R. L. (8).............. 1310 Federal Reserve Bank Bldg., St. Louis, Mo. Haugen, N. E. (7)................ ..2803 Grand Ave., Des Moines, Iowa. Harkin, Daniel V. (7)........... 804 Rector Bldg., Chicago, Ill. Hayes, Jr., Ben (7)................... Davenport, Iowa. Hayes, Wm. Z. (2)_________ P. O. Box 740, Buffalo, N. Y. Hodgson, R. M. (6)................. U. S. Customhouse, Mobile, Ala. Address. Smith, Arthur B. (9)_______ 3000 James Ave., Minneapolis, Minn Smith, Clarence F. (4)--------- P. O. Box 1058, Pittsburgh, Pa. Smith, John H. (9).......... ....416 New York Life Bldg., Minneapolis, Minn. Snyder, Vernon, G._................ 416 Post Office Bldg., Philadelphia, Pa. Stauffer, George E. (3)_____ 416 Post Office Bldg., Philadelphia, Pa. Stearns, E. Willey (2)---------P. O. Box No. 3, Albany, N. Y. Stewart, Charles A. (5)_____ 807 Union Trust Bldg., Washington, D. C. Stringfellow, J. B. (5).............. Forest Depot, Va. Summers, George S. (3)..........Box 255, Carlisle, Pa. Thomas, Thomas C. (4) ....Neil House, Columbus, Ohio. Thompson, A. D. (11).............1104 W. Mulberry Ave., San Antonio, Texas Thompson, J. Ernest (11) ...501 Southland Life Bldg., Dallas, Texas Thompson, Oscar (12).............708 Trust & Savings Bldg., Los Angeles^ Cal. Trimble, James (5)............... ..807 Union Trust Bldg., Washington, D. C. Walker, Harry W. (9)............. P. O. Box 71, Huron, S. D. Walter, Edgar D (6)............... 202 Fourth Ave., Rome, Ga. Williams, Thomas M. (10)..1515 Commerce Trust Bldg., Kansas City, Mo. Wilson, Lewis (10)........... ...... Box 451, Hutchinson, Kan. Wood, D. R. (5)-------------------P. O. Bldg., Martinsburg, W. Va. Wood, John S. (8)-------------- 5540 Cates Ave., St. Louis, Mo. Woods, John K. (11)_______ P. O. Box 195, Houston, Texas. Woodside, Hal (8)..................... 541 South Clay Ave., Kirkwood, Mo. Young, Wm. R. (8)................ .640 Park Ave., Hot Springs, Ark. 23 CLEARING HOUSES IN THE UNITED STATES AND CANADA The following Cities and Towns have Bank Clearing House Associations. The officers of each Association may be easily found by referring to the name of the City or Town in the Bank List immediately following the Banks. ‘ before name of city in this list denotes Clearing House examination. * before a bank’s name in the Bank list indicates that it is a member of its local Clearing House. Aberdeen, S. D.............— Adrian, Mich...................... Akron, Ohio.—----------Albany, Ga-------------------Albany, N. Y...................... Albany, Ore.---------------Altoona, Pa................. — Amarillo, Tex..—............. Ann Arbor, Mich.............. Asheville, N. C-------------Atchison, Kans------------Atlanta, Ga................ '— Augusta, Ga-----------------Aurora, Ill...—............... Austin, Tex.......... ............. Bakersfield, Cal..—------Baltimore. Md. —............. Bangor, Me......................... Bartlesville, Okla--------Bay City, Mjich—--------Beaumont, Tex......... -— Bellingham, Wash........... Berkeley. Calif-----------Billings, Mont.------- 1— Binghamton, N. Y--------Birmingham, Ala.______ Bismarck, N. D.---------Bloomington, 111.......... — Boise, Ida._____________ Boston, Mass--------- ------Bowling Green, Ky......... Brandon, Man.-------------Brantford, Ont.------------Brookfield, Mo.------------Brunswick, Ga-------------Buffalo, N. Y.---------------Butler, Pa............ ............... Calgary, Alberta----------Camden, N. J---------------Oanton, Ohio---------------Cape Girardeau, Mo.... Cedar Rapids, Iowa..— Charleston, 8. C.---------Charlotte, N. C-----------Chattanooga, Tenn...— Cheraw, S. C................ — Chester, Pa------------------Chester, S. C.____ ____ Cheyenne, Wyo.._____ ‘Chicago, Ill....................... Chillicothe. Mo.................. Cincinnati, Ohio............... ‘Cleveland, Ohio______ Coeur d'Alene, Ida.......... Colo. Spgs., Colo............. Columbia, S. 0.................. Columbus, Ga...............— ‘Columbus, Ohio______ Connellsville, Pa_______ Cordele Ga.......... ........... Corsicana, Tex.............. Dallas, Tex_____________ Danville, III____________ Davenport, Iowa ............ Dayton, Ohio..................... Decatur, Ill.......... —........... Denver, Colo.................... Des Moines, Iowa........... Detroit, Mich............. ....... Dickinson, N. D............ Dothan, Ala___________ Dublin, Ga.___________ Grand Rapids, Mich.... ‘Los Angeles, Cal______ Greensboro, N. C............ ‘Louisville, Ky.............. ... Greensburg, Pa....____ Lowell, Mass________ Greenville, Miss........ Greenville, S. 0................ Guthrie, Okla.............. ..... Macon, Ga_____________ Hagerstown, Md----------Hal ifax,Nova Scotia____ Hamilton, Ohio..... ........... Hamilton, Ontario........... Hammond, Ind._______ Hannibal, Mo__________ Harrisburg, Pa.................. Hartford, Conn............ . Hawkinsville, Ga.......... — Helena, Ark........................ Helena, Mont..................... Henderson, Ky.------------Holyoke, Mass.................. Homestead, Pa............ — Houston, Tex.................. Huntington, W. Va........ Mansfield, Ohio________ Mason City, la. _______ McAlester, Okla. .. ___ Medford Ore.. ................ Medicine Hat, Alta. —. Memphis, Tenn________ ‘Milwaukee, Wis.............. ‘Minneapolis, Minn-------- Minot, N. D______ ____ Mobile, Ala-------------------Montclair, N. J.............. Montgomery, Ala.............. Montreal, Quebec______ Moose Jaw, Sask.............. Muncie, Ind...... ................. Muscatine, la.......... .......... ‘Muskogee, Okla.............. Dubuque, Iowa________ Duluth, Minn._________ Indianapolis, Ind.........— Edmonton, Alta________ Elberton, Ga___________ El Paso, Tex—________ Emporia, Kan._________ Ennis. Tex._______ ____ Erie, Pa._____ _____ ___ Estherville, la________ _ Eugene, Ore___________ Evansville, Ind...... ........... Fall River, Mass.............. Fargo, N. D........................ Flint, Mich.____________ Fort Wayne, Ind_______ Fort Worth, Tex.............. Franklin, Pa........— Frederick. Md. . ........... . Fremont, Neb_______ — Fresno, Cal.___________ Gainesville, Fla......__ Galveston, Tex.................. Gary, Ind.................... ....... Grand Forks, N. D____ Grand Island, Nebr..— Grand Junction, Colo__ Jackson, Mich-------------- ‘Nashville, Tenn----------Jacksonville, Fla...------- Nebraska City, Neb-----Jacksonville, Ill..—____ New Albany, Ind---------Johnstown, Pa................. New Bedford,Mass.......... Joplin, Mo.____________ New Brighton, Pa.____ New Castle, Pa.................. Kalamazoo, Mich............. New Haven, Conn______ Kansas City, Kan............ Newnan, Ga.___________ ‘Kansas City, Mo._____ ‘New Orleans, La_____ Knoxville, Tenn............... Newport News, Va.____ ‘New York, N. Y._____ Lancaster, Pa.................... Norfolk, Va.___________ Lansing, Mich._________ Norristown, Pa............ — La Salle, Ill........................ Lawrence, Kan—............. Lawton, Okla................— Lebanon, Pa------------------ Oakland, Cal...... ............... Lethbridge. Alta—......... Ocala, Fla............................ Lewistown, Mont--------- Ogden, Utah___________ Lexington, Ky.________ Oil City, Pa..—________ Lima, Ohio —............. — ‘Oklahoma, Okla.............. Lincoln, Neb................ — Omaha, Neb.__________ Little Rock, Ark----------- Orange, N. J.__________ London, Ontario............... Osage, la. —............. ....... Long Beach, Cal.---------- Oshkosh, Wis__________ Lorain, Ohio___________ Ottawa, Ontario________ 24 Owensboro, Ky.. ............. Seattle, Wash............. .. Sedalia, Mo__________ Sherman, Tex---------Palestine, Tex.________ Shreveport, La---------Parsons, Kans.________ Sioux City, Iowa____ Paris, Ky______________ Sioux Falls, S. D..„_ Passaic, N. J.__________ South Bend,Ind_____ Pasadena, Cal__________ Spartanburg, S. C___ Pensacola, Fla......... ......... ‘Spokane ,Wash.___ Peoria, Ill______________ Springfield, Hl._____ ‘Philadelphia, Pa.______ Springfield, Mass____ Pine Bluff, Ark............ ..... Springfield, Mo______ Pittsburg, Kan. _______ Springfield, Ohio____ Pittsburgh, Pa_________ Stockton, Cal________ Portland, Me.......... ........... Superior, Wis_______ ‘Portland, Ore_________ Syracuse, N. Y..____ Providence, R. I........ ..... Pueblo, Colo______ ____ Tacoma, Wash........ .... Tampa, Fla........ ______ Quebec, Quebec............... Texarkana, Ark_____ Quincy, Ill______ ______ Toledo, Ohio........... .... Topeka, Kan._______ Toronto, Ontario___ Raleigh, N. C...... ............... Trenton, N. J.______ Reading, Pa........................ Tulsa, Okla................... Regina, Sask.__________ Reno, Nev......... ................. Valdosta, Ga________ Richmond, Va.________ Vancouver, Br.Col— Ritzville, Wash............... Vicksburg, Miss.___ Rochester, Minn._____ Victoria, Br. Col.___ Rochester, N. Y-----------Vidalia, Ga._________ Rockford, Hl___________ Rock Island, Ill.______ Waco, Tex.......... ......... Roswell. N. M.................... Washington, D. 0— Washington, Ga____ Sacramento, Cal................ Saginaw, Mich.________ Saint John, N. B.............. ‘Saint Joseph, Mo...___ ‘Saint Louis, Mo.______ ‘Saint Paul, Minn._____ Salisbury, N. C.. ........... Salt Lake City, Utah------San Antonio, Tex............. San Diego, Cal--------- — San Francisco, Cal-------San Jose, Cal...... ............. Santa Monica, Cal............ Saskatoon, Sask-----------Savannah, Ga---------------Scranton, Pa______ ____ Waterbury, Conn.__ Waterloo, la.______ Wheeling, W. Va____ Wichita, Kan_______ Wilkesbarre, Pa.___ Williamsport, Pa..__ Wilmington, Del.___ Wilmington, N. C.__ Winnipeg, Man............ Winona, Minn. ____ Worcester, Mass.___ Yakima, Wash______ York, Pa.-----------------Youngstown, Ohio... Zanesville. Ohio____ FEDERAL RESERVE BANK INFORMATION FEDERAL RESERVE BOARD (All members in Washington, D. C., during term of office) DAVID F. HOUSTON, Chairman (ex-officio) CHARLES S. HAMLIN, Boston, Mass., W. P. G. HARDING, Birmingham, Ala., (1926) Governor, (1922) HENRY A. MOEHLENPAH, Clinton, Wis.„ ALBERT STRAUSS, New York City, (1920) Vice-Governor (1928) JOHN SKELTON WILLIAMS (ex-ofRcio). ADOLPH C. MILLER, San Francisco, Cal., (1924) G. L. HARRISON, General Counsel. R. G. EMERSON, Assistant Secretary. H. PARKER WILLIS, Director, Analysis and Research. M. JACOBSON, Statistician. J. E. CRANE, Acting Director, Division of Foreign Exchange. W. T. CHAPMAN, Secretary. W. W. HOXTON, Executive Secretary. W. M. IMLAY, Fiscal Agent. W. W. PADDOCK, Chief, Division of Operations and Examinations. FEDERAL ADVISORY COUNCIL—(1920) PHILIP STOCKTON, Boston, District No. 1 J. B. FORGAN, Chicago, District No. 7 A. B. HEPBURN, New York, District No. 2 FRANK O. WATTS, St. Louis, District No. 8 LEVI L. RUE, Philadelphia, District No. 3 C. T. JAFFRAY, Minneapolis, District No. 9 W. S. ROWE, Cincinnati, District No. 4 E. F. SWINNEY, Kansas City, District No. 10 J. G. BROWN, Raleigh, N. C., District No. 5 R. L. BALL, San Antonio, District No. 11 OSCAR WELLS, Birmingham, District No. 6 A. L. MILLS, Portland, Ore., District No. 12 DISTRICT No. 1—Bank Located at Boston (Transit Number 5-1) TERRITORY IN DISTRICT—Maine, New Hamphsire, Vermont, Massachusetts, Rhode Island, and Connecticut, except Fairfield County. Membership: National Banks 395; State Banks 36. DIRECTORS CLASS A:—THOMAS P. BEAL (1920), Boston; F. S. CHAMBERLAIN (1922), New Britain, Conn.; EDWARD S. KENNARD (1921), Rumford, Maine. CLASS B:—E. R. MORSE (1922), Proctor, Vermont; PHILIP R. ALLEN (1920), East Walpole, Mass.; C. G. WASHBURN (1921), Worcester, Mass. CLASS C:—FREDERIC H. CURTISS (1920), Boston, Chairman of Board and Federal Reserve Agent; JESSE E.. METCALF (1922), Providence, R. I.; ALLEN HOLLIS (1921), Concord, N. H., Deputy-Chairman. OFFICERS FREDERIC H. CURTISS, Chairman and Federal Reserve Agent; CHARLES A. MORSS, Governor; CHARLES F. GETTEMY, Assistant Federal Reserve Agent; C. E. SPENCER, Jr., Deputy Governor; CHESTER C. BULLEN, Deputy Governor and Cashier; WILLIAM WILLETT, Cashier. ASSISTANT CASHIERS:—ERNEST M. LEAVITT, HARRY A. SAUNDERS, L. WALLACE SWEETSER WILLIAM N. KENYON, ELLIS G. HULT, and FRANK W. CHASE. HARRY F. CURRIER. Auditor: ARTHUR W. WEED. Counsel. LIABILITIES RESOURCES Gold coin and certificates............................ $ Gold settlement fund.................................... Gold with Foreign Agencies......................... Gold with Federal Reserve Agents............. Gold redemption fund.................................. Legal tender notes, silver, etc...................... Capital paid in....................................................'............... $ 7,198,000 Surplus.......................................................... 8,359,000 Government deposits........................................................... 4,777,000 Due to members—reserve account..................................... 113,721,000 Deferred availability items................................................. All other deposits............... 54,990,000 6,486,000 Federal Reserve notes in actual circulation....................... 234,991,000 Federal Reserve bank notes in circulation, net liability... 19,369,000 AU other liabilities...............................,.............................. 1,567,000 TOTAL LIABILITIES..............................................$451,400,000 3 25 9,239,000 32,176,000 8,345,000 72,129,000 22,601,000 4,836,000 Total reserve......................................... Bills discounted—secured by Government War obligations—members..................... Bills discounted—aU others......................... Bills bought in open market........................ U. S. Gov. Bonds........................................... U. S. Gov. certificates of indebtedness........ Bank premises............................................... Five per cent redemption fund against Fed eral Reserve bank notes........................... UncoUected items and other deductions from gross deposits.................................. All other resources........................................ $149,326,000 TOTAL RESOURCES........................ $451,460,000. 112,933,000 48,085,000 51,51l’000 539,000 21,896,000 1,106,000 1,072,000 64,644,000 348,000 FEDERAL RESERVE BANK INFORMATION DISTRICT No. 2—Bank Located at New York City. (Transit Number 1-120) TERRITORY IN DISTRICT—The State of New York and the following counties in New Jersey: Bergen, Essex, Hudson, Hunterdon, Middlesex, Monmouth, Morris, Passaic, Somerset. Sussex, Union, and Warren and the County of Fairfield, Connecticut. Membership: National Banks 633; State Banks 126. DIRECTORS CLASS A:—JAMES S. ALEXANDER (1922), N. Y. City; ROBERT H. TREMAN (1920), Ithaca, N. Y.; CHARLES SMITH (1921), Oneonta, N. Y. CLASS B:—CHARLES A. STONE (1922), N. Y. City; L. R. PALMER (1921), Croton-on-Hudson, N. Y. CLASS C:—PIERRE JAY (1922), N. Y. City, Chairman of Board and Federal Reserve Agent; GEORGE F. PEABODY (1921), Saratoga Springs, N. Y., Deputy Chairman of Board; W. L. SAUNDERS (1920), Plainfield, N. J. OFFICERS GENERAL OFFICERS BENJ. STRONG, Governor; J. HERBERT CASE, Deputy Governor; LOUIS F. SAILER, Deputy Governor; FRANCIS OAKEY, Acting General Auditor; HARRY ARTHUR HOPF, Organization Counsel; DUDLEY H. BARROWS, Secretary. SENIOR OFFICERS J. HERBERT CASE, Controller of Foreign Relations Pro tern, Controller of Loans Pro tern; LAURENCE H. HENDRICKS, Controller of Collections; JOSEPH D. HIGGINS, Controller of Cash and Custodies; ARTHUR W. GILBART, Controller of Administration; LOUIS F. SAILER, Controller of Fiscal Agency Functions Pro tern, Controller of Accounts Pro tern; EDWIN R. KENZEL, Controller of Investments; CHANNING RUDD, Controller of Government Loan Organization. JUNIOR OFFICERS GILBERT E. CHAPIN, Manager Loan Department; CHARLES H. COE, Manager Check Department; JAY E. CRANE, Manager Foreign Department; RALPH T. CRANE, Manager Member Bank Relations Department; WILLIAM H. DILLISTIN, Manager Bank Examinations Department; BETHUNE M. GRANT, Manager Government Securities Sales Department; WILLIAM A. HAMILTON, Manager Cash Department; HOWARD M. JEFFERSON, Manager Personnel Department; J. WILSON JONES, Manager Government Bond Department; ADOLPH J. LINS, Manager Govern ment Deposit Department; WALTER B. MATTESON, Manager Certificates of Indebtedness Department and Manager Securities Department; HENRY R. MURRAY, Manager Collection Department; ROBERT M. O’HARA, Manager Bill Department; JOHN E. RAASCH, Manager Planning Department; LESLIE R. ROUNDS, Manager Accounting Depart ment and Manager Disbursing Department; WILLIAM M. ST. JOHN, Manager Custody Department; I. WARD WATERS, Manager Service Department; CARL SNYDER, Manager Statistics Department; EDWIN C. FRENCH, Manager Vault Department. FEDERAL RESERVE AGENT PIERRE JAY, New York City. SHEPARD MORGAN, Assistant Federal Reserve Agent. BUFFALO BRANCH. (Transit Number 10-26) R. M. GIDNEY, Manager; W. W. SCHNECKENBURGER, Cashier. DIRECTORS E. C. McDOUGALL, Buffalo; CLIFFORD HUBBELL, Buffalo; H. T. RAMSDELL, Buffalo; R. M. GIDNEY, Buffalo; FRANK L. BARTLETT, Olean. RESOURCES LIABILITIES Gold coin and certificates............................. 8136,008,000 Gold settlement fund.................................... 77,954,000 Gold with Foreign Agencies......................... 41,950,000 Gold with Federal Reserve Agents.............. 281,778,000 Gold redemption fund.................................. 25,088,000 Legal tender notes, silver, etc...................... 46,171,000 Capital paid in.................................................................... $ 22,399,000 Surplus................................................................................. 45,082,000 Government deposits........................................................... 31,510,000 Due to members—reserveaccount...................................... 729,545,000 Deferred availability........................................................... 150,124,000 All other deposits................................................................ 42,394,000 Federal Reserve notes inactualcirculation......................... 769,170,000 Federal Reserve bank notes in circulation, net liability... 50,853,000 All otner liabilities............................................................... 10,819,000 TOTAL LIABILITIES 81,851,896,000 26 Total cash reserve..................-............. Bills discounted—secured by Government war obligation........................................... Bills discounted—all others......................... Bills bought in open market........................ U. S. Government Bonds............................ U. S. (government Victory Bonds.............. U. S. certificates of indebtedness................. Bank premises............................................... Five per cent redemption fund against Federal Reserve bank notes................... Uncollected items and other deductions from gross deposits.................................. All other resources......... .............................. 8608,955,000 TOTAL RESOURCES........................ 81,851,896,000 595,495,000 166,632,000 191,215,000 1,457,000 50,000 69,240,000 3,094,000 2,729,000 211,926,000 1,103,000 FEDERAL RESERVE BANK INFORMATION DISTRICT No. 3—Bank Located at Philadelphia. (Transit Number 3-4) TERRITORY IN DISTRICT—Delaware, the following counties of New Jersey: Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Mercer, Ocean, and Salem, and all Pennsylvania east of western boundary of following counties: McKean, Elk, Clearfield, Cambria, and Bedford. Membership: National Banks 636; State Banks 40. DIRECTORS CLASS A:—JOS. WAYNE, JR. (1920), Philadelphia; FRANCIS DOUGLAS (1921), Wilkes Barre, Pa.; M. J. MURPHY (1922), Clarks Green, Pa. CLASS B:—ALBA B. JOHNSON (1922), Philadelphia; EDWIN S. STUART (1920), Philadelphia; CHARLES K. HADDON (1921), Camden, N. J. CLASS C:—RICHARD L. AUSTIN (1920), Philadelphia, Chairman of Board and Federal Reserve Agent; HENRY B. THOMPSON (1922), Wilmington, Del., Deputy Chairman of Board; CHAS. C. HARRISON (1921), Philadelphia. OFFICERS WILLIAM H. HUTT, Deputy Governor; EDWIN S. STUART, Deputy Governor; WILLIAM A. DYER, Cashier and Secretary. ASSISTANT CASHIERS:—C. A. McILHENNY, JAMES M. TOY, W. J. DAVIS, S. R. EARL, R. M. MILLER, Jr., and F. W. LABOLD. LIABILITIES RESOURCES Capital paid in..................................................................... $ 7,899,000 Gold coin and certificates.............................$ 1,190,000 Gold settlement fund.................................... 30,218,000 Surplus fund......................................................................... 8,805,000 Gold with Foreign Agencies ... ............... 0,146,000 Gold with Federal Reserve Agents.............. 81,721,000 „ . , .. . Gold redemption fund.................................. 8,592,000 Government deposits........................................................... 4,969,000 Legal tender notes, silver, etc....................... 236,000 Due to members—reserve account................. .................. 97,575,000 Deferred availability items............................................-... 67.665,000 Total cash reserve........................... . $131,103,000 Bills discounted—secured by Government often.::‘SSffi AUo.h.,^p„iu................................................................ 6.403,000 1 Federal Reserve notes in actual circulation....................... 222,802,000 31,261,000 500,0Q0 27,567,000 i nAAnn,. 1,890,000 U. S. certificates of indebtedness................. Bank premises............................................... Uncollected items and other deductions from 2ross deposits............................. Five per cent redemption fund against Federal Reserve bank notes................... An other resOurces........................................ $445,665,000 TOTAL RESOURCES........................ $445,665,000 Federal Reserve bank notes in circulation, net liability... .i iAll other liabilities............................................................... TOTAL LIABILITIES........................................ . DISTRICT No. 4—Bank Located at Cleveland. 76,407,000 1,475,000 569,000 (Transit Number 6-1) TERRITORY IN DISTRICT—State of Ohio, all that part of Pennsylvania west of the eastern boundaries of the following counties: Warren, Forest, Jefferson, Indiana, and Somerset, the counties of Marshall, Ohio, Brooke, Tyler, Wetzel, and Hancock in the State of West Virginia, and all that part of the State of Kentucky located east of the western boundary of the following counties: Boone, Grant, Scott, Woodford, Jessamine, Garrard, Lincoln, Pulaski, and McCreary. Membership: National Banks 748; State Banks 68. DIRECTORS CLASS A:—ROBERT WARDROP (1920), Pittsburgh; CHESS LAMBERTON (1922), Franklin, Pa.; O. N. SAMS (1921), Hillsboro, Ohio. CLASS B:—THOS. A. COMBS (1920), Lexington, Ky.; R. P. WRIGHT (1922), Erie, Pa.; JOHN STAMBAUGH (1921), Youngstown, Ohio. 9 CLASS C:—DAVID C. WILLS (1920), Cleveland, Chairman of Board and Federal Reserve Agent; L. B. WILLIAMS (1922), Cleveland, Ohio, Deputy Chairman of Board; HARRY P. WOLFE (1921), Columbus, Ohio. OFFICERS DAVID C. WILLS, Federal Reserve Agent; J. C. NEVIN, Assistant Federal Reserve Agent and Secretary. E. R. FANCHER, Governor; M. J. FLEMING, Assistant to Governor; F. J. ZURLINDEN, Assistant to Governor; H. G. DAVIS, Cashier. . ASSISTANT CASHIERS:—W. F. TAYLOR, H. F. STRATER, C. W. ARNOLD, G. H. WAGNER, G. A. STEPHENSON and D. B. CLOUSER. F. V. GRAYSON, Auditor. ' ___________________ (Transit Number 13-43) CINCINNATI BRANCH. L. W. MANNING, Manager; R. B. BARRETT, Cashier; JOHN P. H. BREWSTER, Assistant Cashier. DIRECTORS W. S. ROWE, L. W- MANNING, JUDSON HARMON, CHAS. A. HINSCH, Cincinnati. PITTSBURGH BRANCH. (Transit Number 8-30) GEORGE DE CAMP, Manager; THOS. C. GRIGGS, Cashier; P. A. BROWN, Assistant Cashier. DIRECTORS R. B. MELLON, CHAS. W. BROWN, JAMES D. CALLERY, HARRISON NESBIT, GEORGE DE CAMP, Pittsburgh, Pa. LIABILITIES RESOURCES Gold coin and certificates............................ $ 14,067,000 Capital paid in.....................................................................$ 9,535,000 Gold settlement fund.................................... 41,116,000 Gold with Foreign Agencies......................... 9,374,000 Surplus fund.......... ’............................................................. 9,089,000 Gold with Federal Reserve Agents.............. 122,298,000 Gold redemption fund.................................. 1,150,000 Government deposits........................................................... 3,205,000 Legal tender notes, silver, etc...................... 967,000 Due to members—reserve account..................................... 135,788,000 Deferred availability items................................................. 63,915,000 All other deposits................................................................. 6,022,000 Federal Reserve notes in actual circulation....................... 256,556,000 Federal Reserve bank notes in circulation, net liability... 21,439,000 All other liabilities............................................................... 1,544,000 TOTAL LIABILITIES $507,093,000 27 Total reserve................ Bills discounted—secured by Government war obligations......................................... Bills discounted—all other........................... Bills bought in open market........................ U. S. Government Bonds............................. U. S. Government Victory Bonds............... U. 8. certificates of deposits......................... Bank premises.... ?...................................... Five per cent redemption fund against Federal Reserve bank notes................... Uncollected items and other deductions from gross deposits.................................. All other resources.................................... .• $188,972,000 TOTAL RESOURCES........................ $507,093,000 969,400,000 46,555,000 73,355,000 833,000 23,571,000 10,000 640,000 1,155,000 74,597,000 465,000 FEDERAL RESERVE BANK INFORMATION DISTRICT No. 5—Bank Located at Richmond. (Transit Number 68-3) TERRITORY IN DISTRICT—District of Columbia, Maryland, Virginia, North Carolina, South Carolina, and all West Virginia except the counties of Marshall, Ohio, Brooke, Tyler, Wetzel, and Hancock. Membership: National Banks 540; State Banks 46. DIRECTORS CLASS A:—JOHN F. BRUTON (1922), Wilson, N. C.; EDWIN MANN (1920), Bluefield, W. Va.; CHAS. E. RIEMAN (1921), Baltimore, Md. CLASS B:—EDMUND STRUDWICK (1921), Richmond; DAVID R. COKER (1920), Hartsville, S. C.; JAMES F. OYSTER (1922), Washington, D. C. CLASS C:—CALDWELL HARDY (1920), Norfolk, Chairman of Board and Federal Reserve Agent; JAMES A. MONCURE (1922), Richmond, Deputy Chairman of Board; HOWARD BRUCE (1921), Baltimore, Md. OFFICERS A. H. DUDLEY, Assistant Federal Reserve Agent; J. G. FRY, Assistant Federal Reserve Agent; GEORGE J. SEAY»Governor; CHAS A. PEPLE, Deputy Governor; R. H. BROADDUS, Deputy Governor; GEORGE H. KEESEE, Cashier? C. V. BLACKBURN, Assistant Cashier; THOMAS MARSHAL, Jr., Assistant Cashier; EDWARD WALLER, Jr., Assistant Cashier; W. W. DILLARD, Assistant Cashier. ___________________ BALTIMORE BRANCH. (Transit Number 7-27) M. M. PRENTIS, Manager; CHARLES H. WYATT, Cashier; F. M. LEEKE, Assistant Cashier. DIRECTORS M. M. PRENTIS, H. B. WILCOX, CHAS. C. HOMER, WALDO NEWCOMER, and WILLIAM INGLE, Baltimore. RESOURCES LIABILITIES Geld coin and certificates............................ $ Gold settlement fund.................................... Gold with Foreign Agencies......................... Gold with Federal Reserve Agents............. Gold redemption fund.................................. Legal tender notes, silver, etc...................... Capital paid in.....................................................................$ 4,397,000 Surplus.................................................................................. 5,820,000 Government deposits........................................................... 4,121,000 Due to members—reserve account..................................... 60,863,000 Deferred availability items................................................. 67,797,000 All other deposits................................................................. 3,654,000 Federal Reserve notes in actual circulation....................... 130,777,000 Federal Reserve bank notes in circulation, net liability.. . 11,794,000 All other liabilities............................................................... 711,000 2,521,000 24,241,000 5,602,000 39,204,000 10,962,000 204,000 Total reserve......................................... Bills discounted—secured by Government war obligations......................................... Bills discounted—all other........................... Bills bought in open market........................ U. S. Government bonds.............................. U. S. certificates of indebtedness................. Bank premises............................................... Uncollected items and other deductions from gross deposits.................................. Five per cent redemption fund against Federal Reserve bank notes................... All other resources........................................ # 82,734,000 TOTAL RESOURCES........................ #289,934,000 TOTAL LIABILITIES..............................................#289,934,000 DISTRICT No. 6—Bank Located at Atlanta. 76,305,000* 23,455,000 10,748,000 1,235,000“ 12,260,000 553,000 81,640,000* 435,000 569,000 (Traifcit Number 64-14) TERRITORY IN DISTRICT—Alabama, Georgia, Florida, all Tennessee east of the western boundary of the follow ing counties: Stewart, Houston, Humphreys, Perry, and Wayne; all Mississippi south of the northern boundary of .the following counties: Issaquena, Sharkey, Yazoo, Madison, Leake, Neshoba, and Kemper; all Louisiana, south ofjthe northern boundaries of the parishes of Vernon, Rapides, and Avoyelles. Membership: National Banks 363; State Banks 64. DIRECTORS CLASS A:—JOHN K. OTTLEY (1921) Atlanta, Ga.; OSCAR NEWTON (1922), Jackson, Miss.; PETER R. KITTLES (1920), Sylvania, Ga. CLASS B:—LEON C. SIMON (1920), New Orleans; J. A. McCRARY (1921), Decatur, Ga.; W. H. HARTFORD (1922), Nashville, Tenn. CLASS C:—JOS. A. McCORD (1920), Atlanta, Chairman of Board and Federal Reserve Agent; EDW. T. BROWN (1921), Atlanta, Deputy Chairman of Board; W. H. KETTIG (1922), Birmingham, Ala. OFFICERS M. B. WELLBORN, Governor; L. C. ADELSON, Deputy Governor; CREED TAYLOR, General Auditor; M. W. BELL, Cashier; R. A. SIMS, Assistant Cashier; W. B. ROPER, Assistant Cashier; W. R. PATTERSON, Assistant Cashier; J. L. CAMPBELL, Assistant Cashier; J. M. SLATTERY, Secretary. BIRMINGHAM BRANCH. (Transit Number 61-19) ALEX. E. WALKER, Manager; W. C. STERRETT, Cashier. DIRECTORS W. H. KETTING, Chairman; OSCAR WELLS, T. O. SMITH, W. W. CRAWFORD, and JOHN H. FRYE. JACKSONVILLE, Fla., BRANCH. (Transit Number 63-19) G. R. DE SAUSSURE, Manager; W. G. WILSON, Cashier. DIRECTORS JOHN C. COOPER, Chairman; EDWARD W. LANE, FULTON SAUSSEY, B. H. BARNETT, and GILES L. WILSON. ___________________ (Transit Number 87-10) NASHVILLE BRANCH. BRADLEY CURREY, Manager; J. B. McNAMARA, Cashier. DIRECTORS W. W. HARTFORD, Chairman; J. E. CALDWELL, E. A. LINDSEY, T. A. EMBREY, and P. M. DAVIS. 28 FEDERAL RESERVE BANK INFORMATION DISTRICT No. 6—Continued NEW ORLEANS BRANCH. (Transit Number 14-21) MARCUS WALKER, Manager; W. H. BLACK, Assistant Manager; LOUIS BUCKNER, Jr., Cashier. DIRECTORS P. H. SAUNDERS, Chairman, New Orleans; A. P. BUSH, Mobile, Ala.; J. E. BOUDEN, Jr., New Orleans; H. B. UIGHTCAP, Jackson, Miss.; FRANK ROBERTS, Lake Charles, La.; JAS. P. BUTLER, Jr., New Orleans, La,; F. W. FOOTE, Hattiesburg, Miss. ___________________ SAVANNAH AGENCY. R. J. TAYLOR, Manager; R. N. GROOVER, Assistant Manager. + _____________________________________________________________________________________ ’_____ RESOURCES LIABILITIES ■Capital paid in.....................................................................$ 3,469,000 Surplus...................................................................... Gold coin and certificates............................ $ 8,523,000 Gold settlement fund................................... 15,979,000 Gold with Foreign Agencies......................... 4,116,000 Gold with Federal Reserve Agents.............. 59,938,000 Gold redemption fund.................................. 7,125,000 Legal tender notes, silver, etc...................... 1,199,000 4,695,000 Government deposits................................................. 2,527,000 Due to members—reserve account........................... 56,250,000 Deferred availability items....................................... 34,044,000 All other deposits....................................................... 2,652,000 Federal Reserve notes in actual circulation............. 142,090,000 Federal Reserve bank notes in circulation, net liability.. » 15,278,000 All other liabilities..................................................... 707,000 TOTAL LIABILITIES.................................... $261,712,000 Total reserve......................................... Bills discounted—secured by Government war obligations......................................... Bills discounted—all other........................... Bills bought in open market........................ U. S. Government bonds.............................. U. S. Government Victory notes................. U. S. certificates of indebtedness................. Bank premises................ ...... Uncollected items and other deductions from gross deposits.................................. Five per cent redemption fund against Federal Reserve bank notes.................. All other resources............................ $ 96,880,000 TOTAL RESOURCES........................ $261,712,000 DISTRICT No. 7—Bank Located at Chicago. 63,749,000 34,648,000 11,098,000 375,000 4,000 15,665,000 480,000 37,701,000 782,000 294,000 (Transit No. 2-30) TERRITORY IN DISTRICT—State of Iowa, all that part of Wisconsin in the counties of Vernon, Monroe, Jackson, Clark, Marathon, Langlade, Oconto, and Marinette, together with all the counties lying east and south of these counties: all of the southern peninsula of Michigan, viz.: that part east of Lake Michigan; all that part of Illinois located north of a line forming the southern boundary of the following counties: Hancock, Schuyler, Cass, Sangamon, Christian, Shelby, Cumberland, and Clark; and all that part of Indiana north of a line forming the southern boundaries of the following counties: Vigo, Clay, Owen, Monrote, Brown, Batrholomew, Jennings, Ripley, and Ohio. Membership: National Banks 1048; State Banks 326. DIRECTORS CLASS A:—GEORGE M. REYNOLDS (1921), Chicago; CHARLES H. McNIDER (1922), Mason City, Iowa; E. L. JOHNSON (1920), Waterloo, Iowa. CLASS B:—J. W. BLODGETT (1922), Grand Rapids, Mich.; A. R. ERSKINE (1920), South Bend, Ind.; A. H. VOGEL (1921), Milwaukee, Wis. CLASS C:—W. A. HEATH (1921), Evanston, Ill., Chairman of Board and Federal Reserve Agent; JAMES SIMPSON (1920), Chicago, Deputy Chairman of Board; E. T. MEREDITH (1922), Des Moines, Iowa. OFFICERS W. A. HEATH, Chairman and Federal Reserve Agent; JAMES SIMPSON, Deputy Chairman; W. F. McLALLEN, Secretary and Assistant Federal Reserve Agent; W. H. WHITE, Assistant Federal Reserve Agent and Manager Department of Examinations; CHARLES G. RUTLEDGE, Assistant to the Manager Department of Examinations; JOSEPH M. CON WAY, Examiner; MARK A. WILSON, Examiner; F. R. BURGESS, Auditor; WALTER A. HOPKINS, Assistant Auditor; H. G. KAISER, Assistant Auditor; CHARLES L. POWELL, Counsel; FRANK M. HUSTON, Statistician; J. B. McDOUGAL, Governor; C. R. McKAY, Deputy Governor; B. G. McCLOUD, Assistant to the Governor; S. B. CRAMER, Cashier; W. C. BACHMAN, Assistant Cashier; F. BATEMAN, Assistant Cashier; F. J. CARR, Assistant Cashier; KENT C. CHILDS, Assistant Cashier; J. H. DILLARD, Assistant Cashier; FRANK R. HANRAHAN, Assistant Cashier; DON A. JONES, Assistant Cashier; FRANK A. LINDSTEN, Assistant Cashier; WILBUR K. LYLE, Assistant Cashier; O. J. NETTERSTROM, Assistant Cashier; A. H. VOGT, Assistant Cashier; CLARKE WASHBURNE, Assistant Cashier; VANEMIN LAMONT, Acting Assistant Cashier; LOUIS G. MEYER, Acting Assistant Cashier; E. L. HARRIS, Manager Bank Relations and Membership. ___________________ (Transit No. 9-29) DETROIT BRANCH. ROBERT B. LOCKE, Manager; JOHN G. BASKIN, Assistant Federal Reserve Agent; H. N. BAXENDALE, Acting Assistant Federal Reserve Agent; WM. R. CATION, Cashier; J. B. DEW, Assistant Cashier. DIRECTORS JOHN BALLANTYNE, EMORY W. CLARK, JULIUS H. HAASS, ROBERT B. LOCKE, Detroit. LIABILITIES RESOURCES Gold coin and certificates............................ $ 24,278,000 Gold settlement fund.................................... 97,947,000 Gold with Foreign Agencies......................... 13,604,000 Gold with Federal Reserve Agents............. 217,271,000 Gold redemption fund.................................. 14,347,000 Legal tender notes, silver, etc...................... 1,935,000 Capital paid in.................................................................... $ 12,525,000 Surplus................................................................................. 14,292,000 Government deposits........................................................... 4,284,000 Federal Reserve bank notes in circulation, net liability... 3,979,000 All other liabilities.............................................................’. 2,955,000 Total reserve......................................... Bills discounted—secured by Government war obligations......................................... Bills discounted—all other.......................... Bills bought in open market........................ U. S. Government bonds............................. U. S. certificates of indebtedness................. Bank premises................................... . Uncollected items and other deductions from gross deposits.................................. Five per cent redemption fund against Federal Reserve bank notes................... All other resources........................................ TOTAL LIABILITIES..............................................$920,780,000 TOTAL RESOURCES........................ Due to members—reserve account..................................... 269,728,000 Deferred availability items................................................. 86,132,000 All other deposits................................................................ 9,965,000 Federal Reserve notes in actual circulation....................... 481,109,000 29 $369,382,000 $920,780,000 153,642,000 161,272,000 70,807.000 4,477,000 40,500,000 2,116,000 116,389,000 1,660,000 535,000 FEDERAL RESERVE BANK INFORMATION DISTRICT No. 8—Bank Located at St. Louis. (Transit Number 4-4) TERRITORY IN DISTRICT—Arkansas, all Missouri east of the western boundary of the following counties: Harrison, Daviess, Caldwell, Ray, Lafayette, Johnson, Henry, St. Clair, Cedar, Dade, Lawrence, and Barry; all Illinois south of the northern boundaries of the following counties: Adams, Brown, Morgan, McCoupin, Montgomery, Fayette, Effingham, Jasper, and Crawford; all Indiana south of the northern boundaries of the following counties: Sullivan, Greene, Lawrence, Jackson, Scott, Jefferson, and Switzerland; all Kentucky west of the eastern boundaries of the following counties: Gallatin, Owen, Franklin, Anderson, Mercer, Boyle, Casey, Russell, and Wayne; all Tennessee west of the eastern boundaries of the following counties: Henry, Benton, Decatur, and Hardin; and Mississippi north of the southern boundaries of the following counties: Washington, Holmes, Attala, Winston, Noxubee, and Humphreys. Membership: National Banks 468; State Banks 68. DIRECTORS CLASS A:—WALKER HILL (1920), St. Louis; J. C. UTTERBACH (1921), Paducah, Ky.; SAMUEL A. ZIEGLER (1922), Albion, Ill. CLASS B:—ROLLA WELLS (1921), St. Louis; WILLIAM B. PLUNKETT (1922), Little Rock, Ark.; LE ROY PERCY (1920), Greenville, Miss. CLASS C:—WM.McC. MARTIN (1921), St. Louis, Chairman of Board and Federal Reserve Agent; JOHN W. BOEHNE (1920), Evansville, Ind., Deputy Chairman; C. P. J. MOONEY (1922), Memphis, Tenn. OFFICERS WM. McC. MARTIN, Chairman of the Board and Federal Reserve Agent; C. M. STEWART, Assistant Federal Reserve Agent; D. C. BIGGS, Governor; OLIN M. ATTEBERY, Governor; JAMES G. McCONKEY, Secretary and Counsel; J. W. WHITE, Cashier; A. H. HAILL, Assistant Cashier; J. W. RINKLEFF, Assistant Cashier; W. H. GLASGOW, Assistant Cashier; E. J. NOVY, General Auditor. LITTLE ROCK BRANCH. (Transit Number 81-13) A. F. BAILEY, Managing Director; M. H. LONG, Cashier. DIRECTORS A. F. BAILEY, C. A. PRATT, J. E. ENGLAND, Jr., GEO. W. ROGERS, and MOORHEAD WRIGHT. LOUISVILLE BRANCH (Transit Number 21-59) W. P. KINCHELOE, Managing Director; JOHN T. MOORE, Cashier. DIRECTORS W. P. KINCHELOE, Louisville; W. C. MONTGOMERY, Elizabethtown, F. M. SACKETT, Louisville; GEORGE W. NORTON, Louisville; E. L. SWEARINGER, Louisville. MEMPHIS BRANCH. (Transit Number 26-3) JNO. J. HEFLIN, Managing Director; A. J. WILLIAMS, Cashier, DIRECTORS JNO. J. HEFLIN, J. D. McDOWELL, S. E. RAGLAND, T. K. RIDDICK, and R. B. SNOWDEN. LIABILITIES RESOURCES Capital paid in.....................................................................$ 4,081,000 Surplus fund........................................................................ Gold coin and certificates............................ $ 2,891,000 Gold settlement fund.................................... 20,273,000 Gold with Foreign Agencies......................... 5,373,000 Gold with Federal Reserve Agents.............. 57,703,000 Gold redemption fund........................ 6,197,000 Legal tender notes, silver, etc...................... 3,211,000 3,724,000 Government deposits........................................................... 4,268,000 Due to members—reserve account..................................... 68,427,000 Deferred availability items................................................. 50,897,000 All other Deposits................................................................ 3,859,000 Total reserve......................................... Bills discounted—Secured by Government war obligations.......................................... Bills discounted—all other........................... Bills bought in open market........................ United States Government Bonds............... U. S. certificates of indebtedness................. Bank premises............................................... Uncollected items and other deductions from gross deposits...._............................. Five per cent redemption fund against Federal Reserve bank notes..................... All other resources........................................ Federal Reserve notes in actual circulation....................... 134,209,000 Federal Reserve bank notes in circulation, net liability .. 15,359,000 All other liabilities............................................................... 926,000 TOTAL LIABILITIES TOTAL RESOURCES....................... $285,750,000 30 $ 95,648,000 48,300,000 48,300,000 10,860,000 1,153,000 17,560,000 356,000 66,196,000 336,000 279,000 $285,750,000 FEDERAL RESERVE BANK INFORMATION DISTRICT No. 9—Bank Located at Minneapolis. (Transit Number 17-8) TERRITORY IN DISTRICT—Montana, North Dakota, South Dakota, Minnesota, all Wisconsin in the counties La Crosse, Trempealeau, Eau Claire, Chippewa, Taylor, Lincoln, Oneida, Forest, and Florence, and all the counties lying north and west of these and the northern peninsula of Michigan. Membership: National Banks 836; State Banks 88. • DIRECTORS CLASS A:—THEODORE WOLD (1922), Minneapolis; L. B. HANNA (1920), Fargo, N. Dak.; WESLEY C. McDOWELL (1921), Marion, N. Dak. CLASS B:—F. R. BIGELOW (1922), St. Paul; F. P. HIXON (1921), La Crosse, Wis.; NORMAN B. HOLTER (1920), Helena, Mont. CLASS C:—JOHN H. RICH (1920), Minneapolis, Chairman of Board and Federal Reserve Agent; W. H. LIGHTNER (1921), St. Paul; C. H. BENEDICT (1922), Lake Linden, Mich. OFFICERS R. A. YOUNG, Governor; S. S. COOK, Cashier; CURTIS L. MOSHER, Assistant Federal Reserve Agent; L. W. LONG Acting Auditor. ASSISTANT CASHIERS:—FRANK C. DUNLOP, GRAY WARREN, R. E. TOWLE, L. E. RAST. LIABILITIES RESOURCES Capital paid in.................................................................... $ 3,112,000 Surplus. . . ........................................................................... 3,569,000 Government deposits.......................................................... 1,467,000 Due to members—reserve account.................................... 51,366,000 Deferred availability items................................................. 13,638,000 All other deposits................................................................ 2,261,000 Federal Reserve notes in actual circulation....................... 81,635,000 Federal Reserve bank notes in circulation, net liability. . 8,070,000 All other liabilities............................................................... 685,000 Gold coin and certificates............................ $ 7,294,000 Gold settlement board,Federal Reserve Board................................................... 20,378,000 Gold with Foreign Agencies......................... 3,087,000 Gold with Federal Reserve Agents............. 33,755,000 Gold redemption fund.................................. 1,059,000 Legal tender notes, silver, etc...................... 81,000 Total reserve......................................... Bills discounted—secured by Government war obligations.......................................... Bills discounted—all other........................... Bills bought in open market........................ U. S. Government bonds.............. Bank premises.............................................. U. S. certificates of indebtedness................. Uncollected items and other deductions from gross deposits................................... Five per cent redemption fund against Federal Reserve bank notes................ All other resources.. . ................................... $ 65,654,000 TOTAL RESOURCES....................... $165,803,000 TOTAL LIABILITIES.............................................. $165,803,000 23,883,000 41,233,000 5,691,000 116,000 515,000 8,480,000 19,696,000 406,000 129,000 DISTRICT No. 10—Bank Located at Kansas City, Mo. (Transit Number 18-4) TERRITORY IN DISTRICT—Kansas, Nebraska, Colorado, Wyoming, all Missouri west of the eastern boundaries of the following counties: Worth, Gentry, DeKalb, Clinton, Clay, Jackson, Cass, Bates, Vernon, Barton, Jasper, Newton, and McDonald; all Oklahoma with exception of the following counties: Atoka, Byron, Choctaw, Coal, Johnston, Marshall, McCurtain, and Pushmataha; all New Mexico north of a line forming the southern boundary of the following counties: McKinley, Sandoval, Santa Fe, San Miguel, and Union. Membership: National Banks 1005; State Banks 33. DIRECTORS CLASS A:—W. J. BAILEY (1922), Atchison, Kan.; C. E. BURNHAM (1920), Norfolk, Neb.; J. C. MITCHELL (1921), Denver, Colo. CLASS B:—M. L. McCLURE (1922), Kansas City, Mo.; THOS. C. BYRNE (1921), Omaha, Neb.; HARRY W. GIBSON, (1920), Muskogee, Okla. •CLASS C:—ASA E. RAMSAY (1920), Kansas City, Chairman of Board and Federal Reserve Agent; F. W. FLEMING (1922), Kansas City, Vice Chairman of Board; R. H. MALONE (1921), Denver. OFFICERS J. Z. MILLER, Jr., Governor; C. A. WORTHINGTON, Deputy Governor; J. W. HELM, Cashier; C. K. BOARDMAN Assistant Federal Reserve Agent and Secretary. ASSISTANT CASHIERS:—JOHN PHILLIPS, Jr., E. P. TYNER, L. H. EARHART, G. E. BARLEY, C. E. DANIEL, M. W. E. PARK, A. G. FROST. DENVER BRANCH (Transit Number 23-19) C. A. BURKHARDT, Manager; P. R. FREDMAN, Cashier. s S DIRECTORS * C. C. PARKS, Denver; A. C. FOSTER, Denver; C. A. BURKHARDT, Denver; JOHN EVANS, Denver; ALVA ADAMS, Pueblo. OMAHA BRANCH (Transit Number 27-12) O. T. EASTMAN, Manager; E. D. McALLISTER, Cashier. x DIRECTORS / LUTHER DRAKE, Omaha; GEO. E. ABBOTT, Cheyenne, Wyo.; O. T. EASTMAN, Omaha; P. L. HALL, Lincoln; R. O. MARNELL/Nebraska City. 31 FEDERAL RESERVE BANK INFORMATION DISTRICT No. 10—Continued OKLAHOMA CITY BRANCH. (Authorized bat not yet open for business') L. H. EARHART, Manager; R. 6. WUNDERLICH, Cashier. DIRECTORS P. C. DINGS, Ardmore; DORSET CARTER, Oklahoma City; WM. MEE, Oklahoma City; E. K. THURMOND, Oklahoma City; L. H. EARHART, Oklahoma City. RESOURCES LIABILITIES Capital paid in.....................................................................$ 4,021,000 Surplus fund......................................................................... Gold coin and certificates.............................$ 302,000 Gold settlement fund, F. R. B’d.................. 40,637,000 RESOURCES (Continued) Gold with Foreign Agencies......................... 5,487,000 Gold with Federal Reserve Agents............. 39,430,000 Gold redemption fund.................................. 3,714,000 Legal tender notes, silver, etc...................... 446,000 6,116,000 Government deposits......... ................................................ 3,629,000 Due to members—reserve account..................................... 86,714,000 Deferred availability items.................................................. 64,840,000 All other deposits................................................................ 4,011,000 Federal Reserve notes iD actual circulation....................... 99,565,000 Federal Reserve bank notes in circulation, net liability . 19,471,000 All other liabilities............................................................... 1,016,000 Total reserve......................................... Bills discounted—secured by Government war obligations.......................................... Bills discounted—all other........................... Bills bought in open market....................................... U. S. Government bonds.............................. U. S. certificates of indebtedness................. Bank premises............................................... Uncollected items and other deductions from gross deposits................................... Five per cent redemption fund against Federal Reserve bank notes..................... All other resources........................................ TOTAL LIABILITIES.............................................. $289,383,000 TOTAL RESOURCES....................... DISTRICT No. 11—Bank Located at Dallas. $ 90,016,000 32,806,000 55,141,000 7,910,000 8,868,000 15,323,000 462,000 77,363,000 977,000 517,000 $289,383,000 (Transit Number 32-3) TERRITORY IN DISTRICT—Texas, all New Mexico south of the northern boundaries of the following counties: Valencia, Bernolillo, Torrance, Guadalupe, and Quay, all Louisiana north of the southern boundaries of the following ■counties: Sabine, Natchitoches, Grant, LaSalle, Catahoula, and Concordia; the following counties in Oklahoma: Atoka, Marshall, Bryan, Choctaw, Coal, Pushmataha, McCurtain, and Johnston, and the following counties in Arizona: Pima, Graham, Greenlee, Cochise, and Santa Cruz. Membership: National Banks 644; State Banks 117. DIRECTORS CLASS A:— J.T. SCOTT (1921), Houston, Tex.; E. K. SMITH (1920), Shreveport, La.; B. A. McKINNEY (1922), Durant, Okla. CLASS B:—MARION SANSOM (1922), Ft. Worth, Texas; FRANK KELL (1921), Wichita Falls, Texas; J. JJ CULBERTSON (1920), Paris, Texas. CLASS C:—W. F. RAMSEY (1920), Dallas, Chairman of Board and Federal Reserve Agent; W. B. NEWSOME (1921), Dallas, Deputy Chairman of Board; H. O. WOOTEN (1922), Abilene, Texas. OFFICERS W. F. RAMSEY, Federal Reserve Agent; C. C. HALL, Assistant Federal Reserve Agent; R. L. VAN ZANDT, Governor; LYNN P. TALLEY, Deputy Governor and Cashier; R. B. COLEMAN, Assistant Cashier; PAUL G. TAYLOR, Assistant Cashier; D. P. REORDAN, Assistant Cashier; FRED HARRIS, Assistant Cashier; W. C. WEISS, General Auditor; C. B. TEAGARDEN, Assistant General Auditor. (Transit Number 88-1) EL PASO BRANCH. R. R. GILBERT, Manager; M. CRUMP, Cashier; J. H. NIENDORFF, Assistant Federal Reserve Agent and Auditor; DIRECTORS R. R. GILBERT, A. F. KERR, U. S. STEWART, A. P. COLES, and W. W. TURNEY, El Paso. (Transit Number 35-4) HOUSTON BRANCH. SAM R. LAWDER, Manager; E. F. GOSSETT, Cashier; PAUL S. MILLER, Assistant Federal Reserve Agent and A uditor. DIRECTORS SAM R. LAWDER, J. A. PONDROM, FRANK ANDREWS, J. C. CHIDSEY, and J. J. DAVIS. RESOURCES LIABILITIES Capital paid in . . ................................................................. $ 3,419,000 Surplus fund......................................................................... 3,030,000 Government deposits........................................................... 2,856,000 Due to members—reserve account..................................... 63,079,000 Deferred availability items................................... 32,709,000 All other deposits................................................................. 2,171,000 Federal Reserve notes in actual circulation....................... 71,677,000 Federal Reserve bank notes in circulation—net liability . . 9,860,000 All other liabilities............................................................... 638,000 Gold coiD and certificates............................ $ 6,948,000 Gold settlement fund, F. R. B’d.................. 14,117,000 Gold with Foreign Agencies......................... 2,972,000 Gold with Federal Reserve Agents.............. 32,369,000 Gold redemption fund.................................. 2,585,000 Legal tender notes, silver, etc...................... 1,719,000 TOTAL LIABILITIES............................................ $189,439,000 12 Total reserve......................................... Five per cent redemption fund against Federal Reserve bank notes..................... Bills discounted—secured by Government war obligations .......................................... Bills discounted—all others......................... Bills bought in open market........................ U. S. certificates of indebtedness................. Bank premises.................. Uncollected items and other deductions from gross deposits................................... All other resources........................................ $ 60,710,000 TOTAL RESOURCES....................... $189,439,000 568,000 45,476,000 17,035,000 1,037,000 8,300,000 506,000 51,608,000 233,000 FEDERAL RESERVE BANK INFORMATION DISTRICT No. 12—Bank Located at San Francisco. (Transit Number 11-37) TERRITORY IN DISTRICT—California, Washington, Oregon, Idaho, Nevada, Utah, and the following counties in Arizona: Apache, Coconino, Gila, Maricopa, Mohave, Navajo, Pinal, Yavapai, and Yuma. Membership: National Banks 582; State Banks 138. DIRECTORS CLASS A:—C. K. McINTOSH (1922), San Francisco; J. E. FISHBURN (1920), Los Angeles, Cal.; M. A. BUCHAN (1921), Palo Alto, Cal. CLASS B:—E. H. COX (1922), Madera; A. B. C. DOHRMAN (1920), San Francisco; J. A. McGREGOR (1921), San Francisco. CLASS C:—JOHN PERRIN (1920), San Francisco, Chairman of Board and Federal Reserve Agent; WALTON N. MOORE (1921), San Francisco, Deputy Chairman of Board; EDWARD ELLIOTT (1922), Berkeley, Calif. OFFICERS JNO. U. CALKINS, Governor; WM. A. DAY, Deputy Governor; IRA CLERK, Assistant Deputy Governor; C. H. STEWART, Assistant Deputy Governor; W. N. AMBROSE, Cashier. ASSISTANT CASHIERS:—C. R. SHAW, W. M. HALE, C. D. PHILLIPS, H. C. VOGELSANG, and F. H. HOLMAN S. G. SARGENT, Assistant Federal Reserve Agent and Chief Examiner; E. H. TUCKER, Assistant Federal Reserve Agent; GAVIN McNAB, Counsel^. S. HOUSE, Auditor. LOS ANGELES BRANCH, (Transit Number 16-16) IRA CLERK, Acting Manager; A. B. NORDLING, Cashier; H. N. MANGELS, Assistant Cashier. DIRECTORS IRA CLERK, San Francisco; A. J. Waters, Los Angeles; JOSEPH F. SARTORI, Los Angeles; H. M. ROBINSON, Pasadena; ISAAC B. NEWTON, Los Angeles. PORTLAND BRANCH, (Transit Number 24-1) C. L. LAMPING, Manager; FREDERICK GREENWOOD, Cashier; R. B. WEST, Assistant Cashier. DIRECTORS C. L. LAMPING, Portland; J. C. AINSWORTH, Portland; NATHAN STRAUSS, Portland; E. A. COOKINGHAM, Portland; J. N. TEAL, Portland. SALT LAKE CITY BRANCH, (Transit Number 31-31) CHAS. H. STEWART, Acting Manager; J. C. GALBRAITH, Cashier; PAUL M. LEE, Assistant Cashier. DIRECTORS L. H. FARNSWORTH, Salt Lake City; C. A. DAY, Ogden; CHAS. H. STEWART, Salt Lake City; G. G. WRIGHT, Salt Lake City; L. HANCHETT, Salt Lake City. SEATTLE BRANCH, (Transit Number 19-1) C. J. SHEPHERD, Manager; D. L. DAVIS, Cashier; C. A. BEMIS, Assistant Cashier. DIRECTORS M. F. BACKUS, M. A. ARNOLD, C. J. SHEPHERD, CHAS. H. CLARKE, CHAS. E. PEABODY, Seattle, Wash. SPOKANE BRANCH, (Transit Number 28-1) CHAS. A. McLEAN, Manager; W. L. PARTNER, Cashier; EVAN BERG, Assistant Cashier. DIRECTORS D. W. TWOHY, Spokane; R. L. RUTTER, Spokane; CHAS. A. McLEAN, Spokane; PETER McGREGOR, Spokane; G. I. TOEVS, Spokane. RESOURCES LIABILITIES Gold coin and certificates............................ $ Gold settlement fund, F. R. B’d.................. Gold with Foreign Agencies......................... Gold with Federal Reserve Agents............. Gold redemption fund.................. .............. Legal tender notes, silver, etc...................... Capital paid in.....................................................................$ 5,837,000 Surplus fund........................................................................ 7,539,000 Government deposits................................ ....................... 5,361,000 Due to members—reserve account..................................... 117,656,000 Federal Reserve bank notes in circulation, net liability ... 11,680,000 All other liabilities............................................................... 1,844,000 Total reserve......................................... Bills discounted—Secured by Government war obligations.......................................... Bills discounted—all other........................... Bills bought in open market........................ U. S. Government bonds.............................. U. S. certificates of indebtedness................. Bank premises........................................ Uncollected items and other deductions from gross deposits............................... Five per cent redemption fund against Federal Reserve bank notes..................... All other resources........................................ $415,497,000 TOTAL RESOURCES....................... Deferred availability items................................................. All other deposits.............................. 33,767,000 5,450,000 Federal Reserve notes in actual circulation....................... 226,363,000 TOTAL LIABILITIES 33 11,895,000 24,488,000 5,259,000 81,830,000 10,809,000 272,000 $134,553,000 $415,497,000 49,091,000 41,443,000 119,256,000 2,632,000 12,365,000 231,000 54,961,000 665,00Q 300,000 FEDERAL LAND BANK INFORMATION FEDERAL FARM LOAN BOARD DAVID F. HOUSTON, Chairman GEORGE W. NORRIS, Farm Loan Commissioner CHARLES E. LOBDELL W. S. A. SMITH ASBURY F. LEVER W. W. FLANNAGAN, Secretary DISTRICT No. 1—Bank Located at Springfield, Mass. TERRITORY IN DISTRICT—Maine, New Hampshire, Vermont, Massachusetts, Rhode Island, Connecticut. New York, and New Jersey. CAPITAL, $1,328,725. DIRECTORS—EDWARD H. THOMSON. President; B. G. McINTYRE, Vice-President; HUGH S. McCONNOR, Secretary; G. SCOTT DALGLEISH. Treasurer, and HERBERT MYRICK. DISTRICT No. 2—Bank Located at Baltimore, Md. TERRITORY IN DISTRICT—Pennsylvania, Delaware, Maryland, Virginia, West Virginia, and the District of Columbia. CAPITAL, $1,400,000. DIRECTORS — VULOSKO VAIDEN. President; D. FRED SHAMBERGER, Vice-President; CALVIN R. TITLOW, GEO. A. HARRIS. Treasurer, and JOHN H. MURRAY. Secretary; DISTRICT No. 3—Bank Located at Columbia, S. C. TERRITORY IN DISTRICT—North Carolina, South Carolina, Georgia, and Florida. CAPITAL, $1,553,440. DIRECTORS—D. A. HOUSTON. President; L. I. GUION. Vice-President; HOWARD C. ARNOLD. Secretary; H. H. ROOT. Treasurer. DISTRICT No. 4—Bank Located at Louisville, Ky. TERRITORY IN DISTRICT—Ohio, Indiana. Kentucky, and Tennessee. CAPITAL, $1,767,135. DIRECTORS—WALTER HOWELL. President; H. A. SOMMERS, Vice-President; JAMES B. DAVIS. Secretary; L. B. CLORE, Treasurer, and A. P. SANDLES._______________________________________________________ DISTRICT No. 5—Bank Located at New Orleans, La. TERRITORY IN DISTRICT—Alabama, Mississippi, and Louisiana. CAPITAL, $1,734,995. DIRECTORS—T. F. DAVIS. President; W. C. DUFOUR, Vice-President; C. C. GASPARD. Secretary; J. V. De GRUY, Treasurer, and J. T. SAVAGE. _______________________________________________________ DISTRICT No. 6—Bank Located at St. Louis, Mo. TERRITORY IN DISTRICT—Illinois. Missouri and Arkansas. CAPITAL, $1,828,110. DIRECTORS—HERMAN W. DANFORTH. President; CARL E. HOPKINS. Vice-President; O. J. LLOYD Secretary; L. L. BEAVERS* Treasurer, and D. WARD KING. DISTRICT No. 7—Bank Located at St. Paul, Minn. TERRITORY IN DISTRICT—Michigan, Wisconsin. Minnesota, and North Dakota. CAPITAL, $2,548,245. DIRECTORS—E. G. QUAMME, President; B. F. FAAST, Vice-President; H. K. JENNINGS, Secretary; PAUL A. PREUS, Treasurer, and W. S. HARRIS. DISTRICT No. 8—Bank Located at Omaha, Neb. TERRITORY IN DISTRICT—Iowa, Nebraska, South Dakota, and Wyoming. CAPITAL, $2,383,020. DIRECTORS—D P. HOGAN. President; JOSEPH M. CAREY. Vice-President; C. M. GRUENTHER. Secretary; E. D. MORCOM Treasurer, and WARREN C. BAKER. DISTRICT No. 9—Bank Located at Wichita, Kas. TERRITORY IN DISTRICT—Oklahoma, Kansas, Colorado, and New Mexico. CAPITAL, $1,910,555. DIRECTORS—MILAS LASATER President; J. B. McMANUS, Vice President; A. N. ROCHESTER. Secretary; Treasurer, and C. E. SOUTHARD. _______________________________________________________ CALEB DAGG. DISTRICT No. 10—Bank Located at Houston, Tex. TERRITORY IN DISTRICT—The State of Texas. CAPITAL, $2,248,060. DIRECTORS—M. H. GOSSETT. President; J. A. THOMPSON. Vice-President; R. D. JOHNSON, Treasurer; S. A. LINDSEY. Secretary, and D. J. WOODWARD. DISTRICT No. 11—Bank Located at Berkeley, Cal. TERRITORY IN DISTRICT—California. Nevada. Utah, and Arizona. CAPITAL, $1,535,665. DIRECTORS—W. H. JOYCE, President; A. C. KUHN, Vice-President; and JOHN GUILL, Jr. WILLARD D. ELLIS, Secretary; R. T. EVANS, Treasurer DISTRICT No. 12—Bank Located at Spokane, Wash. TERRITORY IN DISTRICT—Washington, Oregon, Montana, and Idaho. CAPITAL, $2,447,480. DIRECTORS—D. G. O’SHEA. President; DAVID S. WALLACE. Vice-President; GEORGE C. JEWETT, Secretary; GEORGE M. DREHER. Treasurer, and A. W. CAWTHORN. 34