2410_1890-1894

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1890

I3STDEX.

Page.AMENDMENTS TO PRESENT LAWS:

Suggestions in relation to 9Minimum bond deposit to secure circulation 9Issuing circulation to the par value of the bond deposit 9Limit of monthly withdrawal of bonds 9Reduction of duty on circulation 9Relief from enforced and unremunerative issue of circulating notes 9Providing for appointment and compensation of supervising examiners and assistant

examiners 29Supervising examiners, examiners, and assistant examiners to take oath and give bond . . . 29Restricting accommodations to officers and directors 31Penalty for violations of section 5200 31Limiting the discounting of commercial and business paper 31Limiting direct and indirect liabilities resulting from guaranty or indorsement 31Duties and responsibilities of directors should be more clearly defined 72

ASSESSMENTS :

Fine or assessment suggested as penalty for violation of section 5200 32Cost of plates 56Examiners fees 56

BANKS. (See National banks; State banks; Savings banks; Private banks; Loan and trust com-panies.)

BONDS OF BANK OFFICERS:

Greater care on the part of directors necessary in respect to .32General verdict that official bonds should be required of all occupying places of trust 32Requirement of bonds discretionary with directors 32Examinations frequently develop the fact that bonds are provided for in by-laws, but are

not required 32Directors to decide what officers should be bonded, and to what amount 32Care necessary in preparing bond 32Bond should cover loss due to lack of diligence as well as that incident to criminality 32Gross carelessness or connivance at spoliation by others rarely covered by bond 32Directors' attention called to necessity of immediate examination of bonds 32Importance of sureties in case of forfeiture 33Natural persons and corporations as sureties 33Bonds frequently in custody of, or accessible to, the officer bonded 33Examiners' duty in respect to officers' bonds 33Not always practicable to advise directors in respect to condition of bonds 33Directors' unbounded confidence in officers a danger 33

BONDS, UNITED STATES :

Amount on deposit to secure circulation October 31, 1891 3Minimum deposit of, to secure circulation, suggested 9Issuing of circulating notes to par of bonds deposited 9Limit of monthly withdrawal of, suggested 9Purchases of, by the Treasury July 19 to November 1,1890 11Investments in, by national banks January 1,1866, to September 25,1891 40Dates on which the highest and lowest points were reached in holdings of, by national

banks 40Minimum amount required and amount actually deposited by national banks in each fiscal

year from July 1,1882, to July 1,1891 44Decrease in excess of minimum requirement of 44Number of new associations depositing the minimum amount of 44Number of new associations depositing an excess of the minimum amount of 44Amount of, held by national banks, 1865 to 1891 46Amount of, held as security for circulation, 1882 to 1891 47

* ' 329


1891

3B0Page.

BONDS, UNITED STATES—Continued.

Maximum of, and amount of. outstanding October 31,1891 47Classes and amounts of, available for security for circulation, 1865 to 1891 48Market prices of, for each week from November 7,1890, to October 31,1891 49Investment value of, January, 1885, to October, 1891 50Purchases and redemptions of, by the Treasury 50Amount of 4£ per cents continued at 2 per cent 50Amount of 4 and 4 | per cents purchased and redeemed, by months, November, 1890, to Octo-

ber, 1891 51Amount of, withdrawn on account of failed and liquidating banks 51Classes of, and amounts withdrawn and substituted, by months, November, 1890, to Octo-

ber, 1891 52Held by banks other than national 79

BOND PURCHASES AND REDEMPTIONS BY THE TREASURY :

Extensive purchases to relieve the monetary stringency, July 19 to November 1, 1890 11Total purchases of 4 per cents 50Purchases of 4 and i\ per cents from April 17, 1888, to August 31, 1891 50Continuance of 4£ per cents at 2 per cent 50Amonnt continued at 2 per cent 50Failure of certain banks to withdraw non-interest bearing bonds and substitute others 51Statement by months of amount of 4£ per cents purchased and redeemed from November 1,

1890, to October 31, 1891 51Amount of 4^ per cents continued at 2 per cent from September 2, 1891, to October 31, 1891.. 51

CAPITAL STOCK:

Of banks organized during the year 3Net gain during past year of, of national banks 3Of associations organized during the past year by States and Territories 4Of organized and closed national banks from 1863 to 1891 5Of national banks failed during the past year 5Of national banks that failed in 1873 5Of national banks that failed in 1877 5Of failed national banks in Kansas and Nebraska 5Of banks not national and estimated amount of exchange drawn by 23Issuing of certificates of 29Signing of certificates of, in blank '. 29Failure to cancel and preserve surrendered certificates of shares of 29Registration of certificates of shares of, advised 30Directors' duties in respect to records of shares of 30Limit to 20 per cent of, to discounts of commercial or business paper 31Of national banking associations closed during the year ended October 31, 1891 34, 35Of closed banks permitted to resume and to go into voluntary liquidation since January 1,

1891 37Highest and lowest amount reached since establishment of the system 40Of banks extended during the past year 41Of banks to reach expiration of their corporate existence from 1892 to 1901 41Of banks the corporate existence of which expired during the year ended October 31, 1891. 41Of banks the corporate existence of which will expire during the year 1892 42Of banks with individual capital not exceeding $150,000 43Of banks with individual capital exceeding $150,000 43Of banks organized in each fiscal year from July 1, 1882, to July 1, 1891 44Of, by classes, of associations organized during the past year 44Of national banks without circulation 46Of failed national banks and per cent of dividends paid to creditors of, during past year . . . 60Other liabilities and, of failed national banks during the past year according to last report. 61Of banks other than national 80Of each class of banks by States on or about July 9,1891 82

CERTIFICATES OF STOCK:

Provisions of section 5139 29Lack of care in transferring and issuing certificates 29Neglect of boards to provide the means of transferring 29Provisions existing relative to transfers of, not always complied with 29Stock ledger wanting in many cases 29Signing certificates in blank 29Surrendered certificates not canceled and preserved 29Issue of certificates prior to full payment 30Importance of record of ownership of stock *. 30Digitized for FRASER

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1891

INDEX. 331

Page.CERTIFICATES OF STOCK—Continued.

Overissues of, generally due to carelessness 30Registration of shares by a corporation agent 30Value of registration of 30Registration of, not feasible by banks outside of the larger cities 30By-laws should provide for regulation of transfers 30Frequent examinations necessary by special committee, of certificate and transfer books

and stock ledger 30In case of insolvency ownership of stock should be unquestionable 30Upon delivery of stock, receipts should be taken from shareholders 30

CIRCULATING NOTES:

Reduction of duty on, suggested 9Outstanding, represented by bonds, September 25,1891 43Outstanding, represented by lawful-monej^ deposit 43Amount outstanding represented by the minimum-bond deposit 43Excess of minimum outstanding 43Possible amount issuable on deposit of bonds equal to aggregate capital of all banks 43Excess of possible issue over present minimum 43Amount issued and per cent of excess annually, 1882-'91 44Steady decrease of, annually „ 44Increase of, during past year 44Decrease of, and lawful money deposited, 1884-'91 44Banks without circulation 44,45Security for, held by Treasurer, United States, 1882-'91 46Classes of securities available for, 1865-'91 48Number, denomination, and amount of, issued and redeemed since the organization of t!ie

system, and amount outstanding October 31,1891 52Total issues of, during the year and vault balance October 31,1891 52"Additionalcirculation" issued and retired, year ended October 31,1891 53Total issues, by States, June 20,1874, to October 31,1891 53Redemption fund 54Receipts of, for redemption by Currency Bureau and redemption agency during past year. 54Receipts of, for redemption by Currency Bureau and redemption agency monthly from

November, 1890, to October, 1891 54Receipts of, for redemption by Currency Bureau and agency from June 20,1874, to October

31,1891 54Annual receipts and destructions by Currency Bureau, 1863 to 1891 55Redemption of, of reducing, liq uidating, and failed banks 55Tax upon, and redemption charges 56

CLEARING-HOUSE LOAN CERTIFICATES:

General monetary stringency, first and most seriously felt by banks in the reserve cities . . 12State of surplus of reserve city banks under normal conditions 12Necessity for maintenance, by interior banks, of a good balance with their correspondents. 12Pressing demands upon the cities of New York, Philadelphia, and Boston 12Issuing of clearing-house loan certificates 12During the panics of 1873 and 1884 clearing-house loan certificates issued 12Resolution of New York Clearing-House Association of date November 11,1890 12Form of loan certificate issued by New York Clearing House 13Loan certificate accepted in lieu of money in settlements 13Resolution providing for the retirement of loan certificates 13Aggregate amount of loan certificates issued 13Date of first and last issue and that on which the largest amount was outstanding 13Resolution of Boston Clearing House providing for loan certificates 13Resolution providing for ultimate payment of loan certificates 13Form of loan certificate issued by Boston Clearing House 14Form of obligation delivered to the association by bank applying for loan certificates 14Date on which the first and last certificates were issued and that on which the issue reached

its maximum 14Action of the Philadelphia Clearing-House Association 14Resolution of the Philadelphia Clearing House providing for the issue of loan certificates

of date September 24, 1873, amended October 16, 1873, and November 18, 1890 14,15Form of loan certificate issued by the Philadelphia Clearing House 15Date on which the first and last issues were made and that on which the maximum was

outstanding 15Certificates issued by the Philadelphia Clearing-House Association still outstanding 15


1891

332 INDEX.

Page.CLEARING-HOUSE TRANSACTIONS :

Membership of New York Clearing-House Association 74Comparative statement for two years of the transactions of the New York Clearing House. 74Kinds of money used and amount of each kind in 1890 and 1891 74Comparative statement of the New York Clearing House for thirty-two years 75Clearing-house transactions of the Assistant Treasurer, New York, for the year ended Oc-

tober 31, 1891 75Comparative statement of the exchanges of the clearing houses of the United States for

October, 1891, and October, 1890 , 76Comparative statement for weeks ended October 31, 1891, and October 31, 1890 77Clearing-house transactions in forty-seven cities of the United States lor the year ended

September 30, 1891, and comparisons with previous years 78

CLOSED NATIONAL BANKS. (See also Failures; Voluntary liquidation.)During the year, liquidating and insolvent » 34

COMPARATIVE STATEMENTS OF NATIONAL BANKS.-

Resources and liabilities of, from 1879 to 1891 : 38CONCLUSION:

Financial crisis througli which the country has been passing 85Overtrading and undue expansion of credits 85Failures of national associations in connection with immense shrinkages of values 85Increasing popularity of the national banking system 85Failures of national banks inevitable under any system short of governmental guaranty.. 86Minimum failures of national associations in comparison with those under all other systems. 86Congress expected to take action looking to the improvement of the system 86Expression of appreciation of aid of those associated with the Comptroller in the conduct

of the affairs of the office 87

DECISIONS. (See Legal decisions; Digest of national-bank cases.)

DIRECTORS :Affairs of each association under control of 27Dereliction of duty on part of, principal cause of failures 28Officers and, as borrowers 30Restriction on direct and indirect liabilities of 31Necessity of examination of bonds of officers by 32Danger of unbounded confidence in officers by 33Success of associations due to the intelligence and faith fulness of 72Principal duties of 72Duties and responsibilities of, not well defined 72Recent decision in respect to duties of 72Delegation of duties of, to others not permitted 73Should not be allowed to escape liability by pleading ignorance 73Difficulty encountered in securing attention of directors to their duties 73Disposition on part of, to monopolize loans and discounts 73Shareholders' claim on, for careful supervision , 73

DISSOLUTION. (See also Failures; Receiverships; Liquidation.)Number of banks placed in liquidation since the establishment of the system 5,70Number of banks placed in the hands of receivers since the establishment of the system.. 5, 70National banks closed during the year 34In voluntary liquidation , 34Failed 34Number of banks passed into liquidation by expiration of corporate existence 70

DIVIDENDS. (See also Receiverships.)Paid to creditors of failed banks finally closed 7Paid to creditors of failed banks not closed 7Average paid each five years to creditors of failed banks, 1865 to 1891, inclusive 8

DOMESTIC EXCHANGES:

Interest attaching to the domestic exchange reports of banks last year 16Similar information requested for the present year 16Cheerful cooperation of all banks in furnishing reports 16Number of banks reporting in 1890 and 1891 16Comparison of aggregate amounts drawn in two years 16Amounts drawn on banks in the central reserve cities 16Amounts drawn on Boston and Philadelphia 16Percentages of drawings on the central reserve cities and on Boston and Philadelphia 16Percentage of amounts drawn on the reserve cities and on banks located elsewhere 16


1891

INDEX. 333

Page.DOMESTIC EXCHANGES—Continued.

Comparative statement of the number of banks drawing and the amount drawn uponeach central reserve and other reserve cities, 1891 and 1890 17

Marked increase in amount of drafts drawn in the reserve cities 17Increase of amount and per cent of drawings over 1890 17Comparative statement, by States and reserve cities, of amount of drafts drawn in 1831

and 1890 18Changes that have taken place in the several States 18Statement of amounts drawn by banks in the several reserve cities 19Statement of amount of drafts drawn by banks outside of the reserve cities 20Statement of the amount of drafts drawn by banks in each geographical division upon the

reserve cities 21Statement of the amount of drafts drawn by each State and city geographically arranged

upon the reserve cities, etc 2 i, 22Larger increase in drawings restricted by the monetary stringency 23Number and capital of commercial banking companies other than national 23Estimated amount of drafts drawn by banks other than national 23Total amount of drafts drawn by national and other banks 23Probable understatement of the total amount drawn 23Receipts of national banks on July 1, 1890 23Estimated amount of receipts of all national banks for a single year 23Economy and safety attending the transaction of the immense business of the national

banks demand attention 23Comparison of small loss attending failures of national banks with the transactions of all

banks in the system 24

DUTY, REDEMPTION CHARGES, AND ASSESSMENTS:

Reduction of, on circulating notes, recommeuded 9Semi-annual duty on circulation 56Cost of redemption of notes 56Cost of plates „ 56Examiners' fees 56Comparative statement of 56

EXAMINATIONS :Salutary restraints embodied in the national-bank act 24Success of national banks indicates the wisdon of those charged with the, inauguration of

the system 24Administration of banks committed to the Currency Bureau 24Duties of the Comptroller of the Currency 24Personal supervision of the Comptroller possible up to a certain point 24Channels through which information reaches the Comptroller as to management 24Dependent upon reports of condition and examiners' reports 24Correct and honest reports indicative of banks' solvency, earnings, and value of shares 24Value of schedules accompanying reports of condition . 24Penalties imposed for making false reports <. 24Officers may enter into collusion to deceive in their published reports 25The agency provided for ascertaining to a greater certainty the condition of associations.. 25Act providing for the appointment of national-bank examiners 25Examiners confidential agents of the Comptroller 25Doubt as to skill or integrity of an examiner cause for suspension 25Interest of the Government in condition of national banking associations 25Certain provisions of the act enumerated 26Duty of the examiner to report non-compliance with the law 26Examination a pre-requisite to the increase or reduction of capital 26The examiner should ascertain and verify liabilities and resources 26Much left to the discretion and intelligence of the examiner : 26Difficulty in ascertaining whether or not impairment or insolvency exists 26Examiners to list and verify loans and discounts 26Verification of assets inexhaustive owing to small compensation and time covered by ex-

amination - 26Business of an association does not permit a complete audit of its affairs 27Difficulty attending the verification of deposits, etc 27Evolution of examinations during the existence of the system 27$few and novel devices adopted to conceal criminality , 27


1891

334 INDEX.

Tage.EXAMINATIONS—Continued.

Duties of Comptroller and examiners largely negative 27Eoards of directors control associations 27Impracticability of any bureau of the Government attempting to participate in the details

incident to the management of an association 27Duties devolving on directors and officers should not be usurped by the Government 27Success of banks promoted by reports of condition and examinations 28Visits of examiners welcomed by officers of fidelity and ability 28Value of examinations to directors 28Dereliction of duty of directors the chief cause of failures 28Inattention of directors makes necessary the visit of examiners 28Integrity or skill of an examiner challenged by the general public in case of failure 28Failures often prevented by the devotion to duty of examiners 28Violations of law, impairment of capital, criminality, reported by examiners 28Action taken by the Bureau in case of minor violations of law or rules of banking 28Special value of examiners' services in detecting unlawful practices at the threshold 29Disasters prevented not known to the general public and hence unappreciated 29Need of supervising examiners 29Assistant examiners specially needed in the large cities 29Amendment to the law recommended providing for supervising examiners 29Supervising examiners to be paid from public funds 29Assistant examiners to be compensated from fees of examiners 29Supervising examiners, examiners, and assistant examiners to take oath and give bonds. . 29

EXTENSION OF CORPORATE EXISTENCE OP NATIONAL BANKS. (See National Banks.)

FAILURES. (See also Receivers; Receiverships.)Number and capital of national banks annually, 1863-'91 5Principal causes of, in certain States 5Of national banks, 1890-'91 5Seven i>rior years during which failures were more disastrous 5Number, assets, and liabilities of banks not national, year ended June 30, 1891 6Of banks not national, 1876, 1877, and 1878 , 6Gross mismanagement and criminality characteristic of many national-bank failures of

past year 7Governmental guaranty only provision for absolute immunity from 7Number and per cent of, of national banks since organization of system 7Amount and per cent of dividends and losses of national bank 7Affairs of failed national banks finally closed '.. 7Affairs of failed banks still unsettled 7Total and average amount of losses to creditors of national banks 8Semi-decadal resume, 1865 to 1890, of national-bank failures §Expenses attending the closing of trusts annually decreasing - 8Per cent of average annual expenses attending administration of affairs of failed banks and

dividends paid during past five years 8Influence of failure of Panama Canal Company and French copper syndicate 10Heavy failures in New York in November, 1890 11Baring Brothers' failure 11Undue expansion, speculation, short crops, and low prices prevailing in 1890 , 11Relief from, afforded by heavy Treasury purchases, etc 11Issues of clearing-house loan certificates, 12Value of national bank examiners' work, and reports of condition by banks 24View entertained that Governmental supervision should absolutely prevent 27Dereliction of duty of directors of national banks largely responsible for 27In case of, of national banks, demand for additional and ec;>erien •< d examiners 29Large accommodations to officers and directors responsible for, in XAany cases 30Satisfactory bonds of active officers essential 32Overconfidence in officers 33

GOLD BANKS. (See National Banks.)

INTEREST-BEARING FUNDED DEBT OP THE UNITED STATES:

Amount held by national banks 46Maximum public debt 47Interest-bearing debt, October 31, 1891 47Bonded debt for fiscal years from 1865 to 1891 48Changes in bonded debt since 1865. . . . . . , , , . , . . , . . . . . , , , . , . , . , , , . 48


1891

INDEX. 335

Page.INTRODUCTION :

Reports submitted to Congress 3Severe depression and contraction of business generally during the year 3Monetary stringency during the fall of 1890, and its disastrous effects 3Number of banks organized during the year 3Location of banks organized 3Capital of banks organized 3Comparison with previous years of banks organized 3Number of banks goinginto voluntary liquidation 3Number of banks insolvent 3Net increase in number and capital of associations during the year <. 3Satisfactory increase of capital, surplus, undivided profits and deposits, and loans and dis-

counts 3Number and capital of banks in existence October 31, 1891 3Bonds deposited to secure circulation and amount of the latter outstanding. 3Increase of circulation during the year 3Location, number, and capital of banks organized during the year 4Comparison by States of the increase of new associations 4Number and capital of banks organized and closed in each year of the history of national

banks 5Comparison with previous years of number and extent of failures of national banks 5Causes of failures in the West 5Years in which failures have been more disastrous than in the one just closed 5Inability to secure reliable data relative to failures of banks other than national 6Number, estimated liabilities, and assets of failed banks, other than national 6Extract from report of 1879 relative to failures of banks other than national 6Gross mismanagement and criminality characteristic of many of the failures of the past

year 7Absolute immunity from failure not possible short of Governmental guaranty 7The national banking system instrumental in converting panics into more or less severe

depressions 7Security to depositors and creditors greater under this system than any other 7Number and per cent of failures during the history of the national banking system 7Net losses to depositors and per cent of dividends paid by associations that have been

closed 7Amounts of claims and payments thereon of .trusts that are still open 7Annual average loss and per cent to creditors of failed associations during the life of the

system 8Increasing economy and efficiency characterizing the administration of insolvent banks. . 8Comparison, by semi-decades, of the expenses attending the closing of failed associations,

and dividends paid to creditors 8ISSUES AND REDEMPTIONS. (See also Circulating notes; Redemption.)

Eeduction of duty on national-bank currency urged 9National-bank notes issued and redeemed during the year 52Issues of incomplete currency 03Amount received from Bureau of Engraving and Printing 52Amount in vault October 31, 1891 52Additional circulation issued during the year 53Amount issued under act July 12,1882, during the year 53

Circulation retired 53

LAWFUL MONEY DEPOSITS. (See Redemptions.)

LEGAL DECISIONS. • (See also Decisions.)Affecting liabilities of directors 73Reference to, made during the year 73

LIABILITIES OP NATIONAL BANKS:

On September 25,1891 \ 39

LIQUIDATION. (See Dissolution.)

LOANS. (See also Clearing-house loan certificates.)Issuing certificates for, by clearing house 12To officers and directors 30Highest and lowest point reached by national banks since establishment of system 40Percentage of loans and discounts of national banks, 1866 and 1887 to 1891. 40Classification of, by groups. October 5, 1887 to September 25, 1891 57Classification of, by New York City banks for the past six years 58Qf State, savings, private banks, and loan and $rust companies . . . . , , „ , 79Digitized for FRASER

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1891

336 INDEX.

Page.LOAN AND TRUST COMPANIES:

Estimated amount of exchange drawn by, and by associations other than national 23Resources and liabilities of 80Organized and in operation in the District of Columbia under authority of the Act of Oc-

tober 1, 1890 83

MONETARY STRINGENCY OF 1890:

Unfavorable conditions existing early in the spring 9Agricultural interests in an unfavorable condition 9Overtrading and expansion apparent 9Large lines of securities placed as a result of extensive building of railroads 9Immense loans of Eastern capital invested in Mississippi Valley and Pacific coast enter-

prises 9Large loans on farm mortgages 10English investments in manufacturing, industrial, and commercial pursuits 10Western speculative operations in real estate 10Banking institutions affected by speculative spirit 10Large loans by banks on enterprises dependent for success yet unrealized 10Dependence of banks upon their correspondents for aid in carrying heavy lines 10Reduction and cessation of transfer of funds from England and the Continent 10American securities held abroad forced upon the New York market 10fai lure of Panama Canal Company and the French copper syndicate 10England's foreign investments, and especially those in the Argentine Republic 10Exportation of gold coin and bullion from the United States to England during July and

August, 1890 10Exportation of gold to England from January 1, 1890, to August 31, 1891 10Rapidly increasing demands upon New York and other large reserve cities 10Reduction of deposits and increase in loans and rediscounts for interior banks 10Falling off of gross deposits of forty-six national banks in New York City between Feb-

ruary 28 and May 17, 1890 11Culmination of the stringency in the New York market in November by certain failures.. 11Failure of Baring Brothers 11Gold borrowed by the Bank of England from the Bank of France and amount received IV -m

Russia upon sale of treasury bonds '. 11Serious character of the stringency in England, evidenced by its borrowing 11Low prices of cereals prevailing and reduced yield in 1890 11Excessive importations of foreign commodities 11Excessive imports due to the passage of the tariff act, taking effect October 6, 1890 11Cause of stimulated importations 11Extensive purchases of United States bonds to relieve the stringency 11Amount of bonds redeemed between July 19 and November 1,1890 11Unfavorable and threatening conditions due in a greater degree to a want of confidence and

curtailment of credits than lack of circulating medium 11Effect of large disbursements by the Treasury _ _. nCulmination of monetary stringency on November 15,1890 11Inability to place securities and secure loans arrested many operations and caused failures

in many cases 11Growth of cities and villages retarded 12Many new corporations become insolvent 12Speculative operations prostrated 12Influences of the monetary stringency still observed 12

NATIONAL BANKS:

Number and capital of, organized during past year 3Number of, insolvent and liquidating during past year 3Number and capital of, by States, organized past year 4Number organized and closed annually, 1863 to 1891 5Net yearly increase and decrease in number and capital 5Comparison of number and capital of, failed in the last and prior years 5Number and per cent of failures of, since 1863 7Claims proved and dividends paid by failed banks 7Aggregate and annual average loss to creditors of failed 8Expenses attending the closing of trusts 8Increasing economy and efficiency attending the closing of failed 8Amendment suggested relative to minimum bond deposit 9Reduction of duty on circulation recommended 9Issue of circulation to par of bond deposit recoin mended , , , , f . , . , , , , , , , , „ , . „ , . . , . . . , , 9


1891

INDEX. 337

Page.NATIONAL BANKS—Continued.

Effect of monetary stringency on 10Gross deposits of, in New York City 11Issue of clearing-house loan certificates to 12-15Domestic exchange drawn by 16-24Estimated receipts of, in a single year 23Examinations , 21-29Certificates of stock. 29Registration of certificates of stock of 30Officers and directors of, as borrowers 30Limitation of liability of directors of 31Active officers of, liabilities of 31Penalty suggested for violating section 5200 32Bonds of officers of 32Title, capital, etc., of, closed during year : 34Resumption of business, by closed 35Comparative statements of, for thirteen years 38Resources and liabilities of, in reserve cities, etc., September 25, 1891 39Highest and lowest points reached in principal items of resources and liabiliiies shice

establishment of system 40Number and capital of, by States, extended during past year 41Number, capital, and circulation of, the corporate existence of which expires 1892-1901 41Number, capital, and circulation of, the corporate existence of which expired, and num-

ber, etc., extended monthly, during the year ended October 31, 1891 41Title, capital, bonds and circulation of, the corporate existence of which expires in 1892... 42Circulating notes of, outstanding on September 25, 1891 43Deposits of lawful money and decrease of circulation of, during past right years 44Without circulation 45Security for circulating notes * ' 46Changes in available securities for circulation, 1882-1891 47.Failure of certain, to withdraw non-interest-bearing bonds and substitute others 51Bond withdrawals by : * 51Issues and redemptions 52Additional circulation issued 53Redemption of circulating notes of banks reducing circulation, those in voluntary liquida-

tion and failed associations 55National gold banks ^ 56Semi-annual duty on circulation collected during the past year 56Cost of redemption of notes of, during t h e past year 56Assessments for plates and examiners fees during the past year 56Comparative statement of semi-annual duty, redemption of notes, cost of plates, and ex-

aminers' fees, since 1883 56Total tax collected from, up to Ju ly 1, 1891 56Classification of loans of 57Ful l classification of loans of New York City banks for the past six years 58Amount and per cent of reserve required and held by, since October 2, 1874 53Statement of failed, during the past year 61Causes of failures of * 01Affairs of failed, that have been closed during the past year 68Dividends paid to creditors of insolvent banks during the past year, and total dividend.?

paid in each case 69Inactive receiverships of 70In voluntary liquidation 70Directors of 72Legal decisions in respect to 73Growth of the system and recent failures 85

NATIONAL-BANK FAILURES. (See also Failures.)

Number and capital of, 1863 to 1891 5Number and capital of, during the past year 5Number and capital of, during prior disastrous years 5Characteristics of, during the past year 7Affairs of, that have been settled and those still in the hands of receivers 7Total loss and annual average loss to creditors of 8Expenses attending, and average dividends paid in each five years from 1865 to 1890 8Monetary stringency of 1890 and examinations of national banks > 24Accommodations to officers and directors the principal causes of , . . . T , . . T T.„ 3Q

11X67 23Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

1891

338 INDEX.

Page.NATIONAL-BANK FAILURES—Continued.

Specific causes of 61Dividends paid to creditors in case of 69Inactive receiverships 70Negligence of directors a cause of 73

NATIONAL BANK LAW. {See Amendments.)

OFFICERS AND DIRECTORS AS BORROWERS:

Recent failures suggestive of needed changes in the bank act 30Officers and directors too free borrowers generally in cases of insolvency 30Added restrictions necessary to accommodations to active officers 31Capital generally contributed for banking business, not for other purposes 31Limitation to loans under section 5200 31Limitation should be placed on amount of commercial and business paper to be discounted 31Restriction in respect to indirect liability—guaranty or indorsement 31Direct and indirect liability of directors should not exceed 20 per cent of capital 31Active officers should not be permitted to incur either direct or indirect liability 31Publication of liabilities of officers and directors a valuable safeguard 31No suitable penalty attaching to the violation of section 5200 31Only provision providing for compliance with the provisions of section 5200 so severe as to

be useless 32Fine or assessment suggested as the penalty for making excessive loans 32

ORGANIZATION OF NATIONAL BANKS:

Increase 3Number of, and capital of, in each State and Territory during the year ended October 31,

1891 4Number and capital of national banks organized annually, 1863-1891 5

PRIVATE BANKS:Number of, and of other institutions failed during the year ended June 30, 1891 6Reluctance on part of proprietors of, to report condition 79Number, capital, and other liabilities of 80Aggregate resources and liabilities of g0Number, capital, surplus and undivided profits, and deposits of 81Capital of, by States 82

RECEIVERS. {See also Receiverships).Appointed during the year 61

RECEIVERSHIPS :Amount of salaries paid to receivers and ratio to total collections, 1865 to 1890 8Gradual decrease in expenses attending. gNational banks placed in the hands of receivers in the past year and reopened later 37History of banks that have failed since November, 1890 61Causes of failures of national banks during the past year 61Number and total dividends paid to creditors of failed associations wound up during the

past year 68Number of national banks placed in the hands of receivers since the establishment of the

system 68Number of receiverships in active operation 68Number of receiverships virtually closed 68Total payments and total claims proved of creditors of insolvent associations 68Dividends, thirty-eight in number, paid to creditors of insolvent banks 69List of inactive receiverships 70

REDEMPTIONS:Number, denomination, and amount of national-bank notes redeemed since the establish-

ment of the system 52Redemptions under act of June 20,1874 53Redemption of notes of insolvent and liquidating banks 53Five per cent redemption fund 54Receipts by National-Bank Redemption Agency during the past year 54Receipts for, from certain cities by redemption agency during the past year 54Fit circulation received for redemption, reissued 54Monthly receipts for redemption on account of reduction of circulation since November, 1890. 54Receipts from redemption agency for replacement with new notes 54Receipts from redemption agency for reduction, act June 20, 1874 54Receipts from redemption agency on acconnt of insolvent and liquidating banks 54Rece ip t s and des t ruc t ions annua l l y s ince t h e e s t ab l i shmen t of t h e s y s t e m . . . „ t ? , . , „ , , . , , . , , 5J


1891

INDEX. 839

Pa°"e.REDEMPTIONS—Continued.

Received for destruction during the year ended October 31, 1891 55Amount withdrawn and destroyed during the year ended October 31,1891 53Vault balance October 31,1891 55Provision of the act providing for redemption of circulating notes 55Amount of lawful money deposited on account of liquidating and insolvent banks 55Amount deposited on account of national gold banks 55Deposits on account of redemption of national-bank notes, act of Ju ly 12,1882 55Total deposits on account of redemption prior to and under acts of June 20, 1874, and July

12,1882 55Deposits by banks in liquidation prior to and under above-named acts 55Amount of lawful money in the hands of the Treasurer on October 31,1891, for 55Redemptions and destructions without reissue prior to J u n e 20, 1874 55Lawful money on deposit with the Treasurer on account of national gold banks 56Cost of redemption of national-bank notes 56Cost of redemption of national-banknotes, 1883 to 1891 „ 56

REPORTS OF CONDITION:

Examiners' reports and 24Abstract of national-bank reports, September 25, 1891 39Classification of loans, as shown by latest 58Abstract of, of all banks not national / 80

RESOURCES OF NATIONAL B A N K S :

On date of report during the year ended September 25, 1891 123

RESUMPTION OP BUSINESS BY CLOSED BANKS :

Generally neither practicable nor desirable 36Exceptional cases 36Conditions precedent to resumption 36Hardships resulting from failures 4 36Importance of prompt liquidation 36Shareholders and creditors alike benefited by resumption in certain cases 37Number, capital, and liability of associations permitted to resume 37Closed association permitted to go into voluntary liquidation 37Reopened banks tha t were in the hands of receivers or examiners 37Management of rehabilitated associations gives promise of future success 37Prior to 1891 but one association in charge of receiver permitted to resume 37

SAVINGS BANKS:Number and geographical location of stock and mutual savings banks 80Aggregate resources of all savings banks 80Principal items of resources and liabilities of savings banks 80Average rate of interest paid by savings banks 80Abstract of reports of condition of 80Capital, surplus and undivided profits, and deposits of mutual and stock savings b a n k s . . . 81Capital of stock savings banks in each State 82Per-capita holdings of depositors, in 83

SECURITY FOR CIRCULATING NOTES:Amount on deposit October 31,1891 3Amendment suggested that the required bond deposit be reduced to $1,000 9Issue of circulating notes to the par of the amount deposited 9Amount of, held by associations, the corporate existence of which will expire during 1892. 42Minimum bond deposit required by banks in operation September 25,1891 43Amount of bonds held by associations on September 25,1891 43Amount of circulation issuable on a deposit of the amount of bonds equal to the aggregate

capital of all associations on September 25,1891 43Minimum requirement and amount of bonds actually on deposit annually from Ju ly 1,1882,

to J u l y 1,1891 44Amount on deposit by banks without circulation 46Reference to the act providing for the deposit of bonds 46Amount of bonds held by the Treasurer to secure circulation on J u n e 30, annually, from

1865 to 1891 47Amount and kind of bonds deposited to secure circulation on October 31, annually, from

1882 to 1891 47Classes of bonds available for security for circulating notes, 1865 to 1891 48

"Withdrawals and substitutions during the year 51Bonds withdrawn and substi tuted by banks from November, 1890, to October, 1891 53


1891

340 INDEX.

Tagc.SEMI-ANNUAL DUTY:

Amendment suggested relative to reduction of 9Amount collected on circulation during the past year 56Amount collected on circulation annually, 1883 to 1891, and total collected • 56

STATE BANKS:

Failures of, and of banks other than national during the year ended June 30,1891 6Failures of State and other banks, not national, in 1876-'77-'78 6Estimated amount of exchange drawn by State and other banks 23Approximately complete returns from those in operation 79Number and principal items of liabilities as shown by latest reports 79Abstract of reports of condition of 80Number, capital, surplus and undivided profits, and deposits of 81Capital of, by States 82Per-capita average of resources of 83

SUGGESTIONS AS TO AMENDMENTS OF NATIONAL BANKING LAW. (See AMENDMENTS.)

SUMMARY OF THE STATE AND CONDITION OF EVERY NATIONAL BANK DURING THE YEAR ENDED

SEPTEMBER 25, 1891 123

TAX UPON CIRCULATION, REDEMPTION CHARGES, AND ASSESSMENTS:

Reduction of tax on circulation advised 9Semi-annual duty on circulation during the past year 56Cost of redemption of notes 56Assessment for plates and for examiners' fees 56Comparative statement of taxes assessed as semi-annual duty, 1883-1891 56Cost of redemption of notes, 1882 to 1891 56Cost of plates, 1883-1891 56Assessment for examiners' fees, 1883-1891 56Total taxes collected from national banks up to July 1, 1891 56

VOLUNTARY LIQUIDATION :

Closed associations permitted to go into 37Number of national associations passed into, to wind up their atfairs 70Number passed into, for the purpose of reorganization 70Number passed into, upon expiration of corporate existence 70Provisions of the statutes relative to banks going into '. 70Decisions of the Supreme Court in respect to a bank in 71Section 7, act of July 12, 1882 71Question as to the Comptroller's authority to permit a bank to go into, under certain cir-

cumstances 71Resumption of business by banks in 72Objection to the resumption of business by a bank in 72

TABLES COISTTAHSTEI} IN THE APPENDIX.

Officers and clerks in the office of the Comptroller of the Currency 89Names and compensation 89Expenses of the office of the Comptroller of the Currency 90Contents of digest of national-bank cases 91I) i gest 93Number of banks organized, in liquidation, and in operation, with their capital, bonds on de-

posit, and circulation issued, redeemed, and outstanding on October 31, 1891 122Summary of the state and condition of every national bank reporting during the year ended

September 25, 1891 123Comparative statement of the national banks for fourteen years , 124Statement showing the amount of authorized capital stock of the national banks on the first

day of each month from January 1, 1870, to November 1, 1891, the amount of United Statesbonds on deposit to secure circulation, the amount of circulation secured by the bonds ondeposit, the amount of lawful money to redeem circulation, and the total amount ofnational-bank notes outstanding, including notes of national gold banks 125

Changes in capital, bonds, and circulation by geographical divisions 7 129Table showing by States the amount of national-bank circulation issued, the amount of lawful

money deposited in the United States Treasury to retire national-bank circulation fromJune 20, 1874, to October 31, 1891, and the amount remaining on deposit at the latter date. . 134


1891

INDEX. 341

Page.Statement showing the amount of national-bank notes? outstanding, the amount of lawful

money on deposit with the Treasurer of the United States to redeem national-hank notes,and the kinds and amounts of United States bonds on deposit to secure circulation, andpublic deposits on October 31, 1891, with the changes during the preceding year and thepreceding -month 135

Statement of monthly increase or decrease of national-bank circulation for the year ended Oc-tober 31, 1891, preceded by quarterly increase or decrease since January 14, 1875 130

Statement of national-bank notes issued, redeemed and outstanding, by denominations andamounts, on October 31, in each year from 1864 to 1890, inclusive 137

Statement of national gold bank notes issued, redeemed, and outstanding October 31, 3891 140Statement of national-bank notes issued during the year ended October 31, 1891. with the total

amount issued, redeemed and outstanding 140Table by States, Territories, and reserve cities, exhibiting the number of banks in each, with

their capital, bonds actually held on September 25,1891, minimum amount of bonds requiredby law, and the excess of bonds on September 25,1891, and October 2,1890 141

Table by States, Territories, and reserve cities, exhibiting the number of banks in each, withcapital of $150,000 and under for the years 1890 and 1891, and the increase or decrease inbanks and capital during the interval 143

Table by States, Territories, and reserve cities, exhibiting the number of banks in each, withthe capital exceeding $150,000, for the years 1890 and 1891, and the increase or decrease inbanks and capital during the interval 145

Classification of the loans and discounts of the national banks in the reserve cities and in theStates and Territories on September 25,1891 147

Table by States, Territories, and reserve cities, exhibiting the amount of each kind of coin andcoin certificate held by the national banks on October 4,1888, September 30,1889, October 2,1890, and September 25,1891 148

Lawful money reserve of the national banks, as shown by the reports of condition at the closeof business on September 25,1891 154

Liabilities of the national banks, and the reserve required and held on three dates in the years1886,1887,1888,1889,1890, and 1891 ] 56

State of the lawful money reserve of the national banks as shown by the reports from October1,1885, to September 25,1891 158

Table showing, by geographical divisions, the reserve cities and central reserve cities, thenumber of banks in operation at every date on which reports of condition have been made,from March 11, 1882, to September 25,1891, inclusive, together with the amount of reserverequired and the amount held at each of those dates, and the classification of the reserveheld, showing amounts and percentages in each case ICO

Average weekly deposits, circulation, and reserve of the national banks of New York City, asreported to the New York clearing house, for the months given, in the years 1885, 1880, 1887,1888, 1889, 1890, and 1891 170

Table showing the movement of the reserve of the national banks in New York City duringOctober for the last fifteen years «... 171

Abstract of reports of earnings and dividends of national banks in the United States from Sep-tember 1, 1890, to March 1, 1891 ' 172

Abstract of reports of earnings and dividends of national banks in the United States fromMarch 1, 1891, to September 1, 1891 176

Table by States and reserve cities, of the ratios to capital, and to capital and surplus, of theearnings and dividends of national banks from March 1, 1887, to September 1, 1891 180

Earnings and dividends of the national banks, arranged bv geographical divisions, for semi-annual periods from September 1, 1882, to September 1, 1891 182

Clearings and balances of the banks of New York City for the weeks ended at the dates given. 184National banks that have gone into voluntary liquidation under the provisions of sections 5220

and 5221 of the Revised Statutes of the United States, with the dates of liquidation, theamount of their capital, circulation issued and retired, and circulation outstanding Octo-ber 31,1891 185

National banks in liquidation under section 7, act July 12, 1882, with date of expiration ofcharter, circulation issued, retired, and outstanding, succeeded by associations with thesame or different title, October 31, 1891 196

National banks that have gone into voluntary liquidation under the provisions of sections 5220and 5221 of the Revised Statutes of the United States, for the purpose of organizing new asso-ciations with the same or different title, with date of liquidation, amount of capital, circu-lation issued, retired, and outstanding on October 31, 1891 197

National banks in liquidation under section 7, act July 12, 1882, with date of expiration ofcharter, circulation issued, retired, and outstanding on October 31, 1891 199


1891

342 INDEX.

National banks that have been placed in the hands of receivers, together with their capital andsurplus at date of organization and at date of failure, cause of failure, dividends paid whilesolvent, circulation issued, lawful money deposited with the Treasurer to redeem circula-tion, the amount redeemed, and the amount outstanding on October 31, 1891 200

Insolvent national banks, dates of organization, appointment of receiver, and closing sincethe organization of the national banking system, with amounts of nominal and additionalassets, amounts collected from all sources, loans paid, and other disbursements, losses onassets, expenses of receiverships, claims proved, dividends paid, and remaining assets re-turned to stockholders 208

Table showing the amount of drafts drawn by national banking associations in the severalreserve cities during the year ended June 30, 1891 220

Table showing the amount of drafts drawn by national banking associations in the severalStates and Territories, except by those located in reserve cities, during the year endedJune 30, 1891 222

Statement showing, by geographical divisions, the amount of drafts drawn by national bankingassociations upon banks in each reserve city and upon banks located elsewhere during theyear ended June 30, 1891 226

Table showing, by States and Territories, the population of each on June 1,1891, and the aggre-gate capital, surplus, undivided profits, and individual deposits of national and Statebanks, loan and trust companies, and savings and private banks in the United States onJune 30, 1891; the average of these per capita of population, and the per capita averages ofsuch resources in each class of banks and in all 234

Abstract of reports of condition of State banks, loan and trust companies, savings and privatebanks, 1890-'91, arranged by States and Territories 236-249

Report of condition of the National Savings Bank, the National Safe Deposit Company, theWashington Loan and Trust Company, and the American Security and Trust Company ofWashington, D. C , on September 25,1891 250-253

Summary of the condition of the chartered banks in the Dominion of Canada on January 31,1891 254

Aggregate resources and liabilities of the national banks from October, 1863, to October,1891 255-276

Summary of the state and condition of the national banks on dates of report during the yearended September 25,1891 277-327

Condition of each national bank at close of business on Friday, September 25, 1891 Vol. I I


1891

REPORT OF THE COMPTROLLER OP THE CURRENCY,

BANKS FROM OCTOBER, 1863; TO OCTOBER, 18(J2-Continued.

1§66,

329

Liabilities.

Capital stock

Surplus fundUndivided profits

National b'k notes outstand'gState bank notes outstanding.

Individual depositsU. S. depositsDep'ts of U.S.disb'sing officers

Due to national banksDue to other b'ks and bankers.

Total

JANUARY 1.

1,582 banks.

$403,357,346.00

43, 000, 370.7828, 972, 493.70

213, 239, 530.0045,449,155. 00

522,507, 829.2729, 747, 236.15

94, 709, 074.1523, 793, 58i. 24

1, 404, 776, 619. 29

ArRIL 2.

1,612 banks.

$409, 273,534.00

44, 687, 810. 5430, 964,422.73

248, 886, 282. 0033, 800, 865. 00

534,734,950.3329,150, 729. 82

89,067,501.5421,841,641.35

1, 442, 407, 737.31

JULY 2.

1,634 banks.

$414,270,493. 00

50,151, 991. 7729, 286,175.45

267, 798, 678. 0019,996,163.00

533,338,174.2536,038.185.03

3, 066, 892. 22

9G, 496, 726. 4225, 951, 728.99

1,476, 395, 208.13

OCTOBER 1.

1,644 banks.

$415,472,369. 00

53,359, 277. 6432, 593,486. 69

280, 253, 818. 009, 748, 025. 00

564, 616, 777. 6430,420,819.80

2, 979, 955.77

110, 531, 957. 3126, 986, 317.57

1,526,962,804.42

Capital stock


National b'k notes outstaml'g.State bank notes outstanding.

Individual depositsU. S. depositsDep'ts of U.S.disb'sing officer*


Total

JANUARY 7.

1,648 b a n k s .

$420,229, 739. 00

59, 992,874.5726, 961, 382. 60

291,436, 749. 006,961,499. 00

558, 699, 768. 0627, 284, 876. 93

2, 477, 509.48

92,761,998.4324,416, 588,33

1, 511, 222,985.40

APRIL 1.

1,642 b a n k s .

$410, 399,484. 00

60, 206, 013. 5831,131, 034. 39

292, 788, 572. 005, 460, 312. 00

512, 046,182.4727,473, 005. 66

2, 650, 981. 39

91,156,890.8923,138, 629. 46

1,465, 451,105. 84

JULY 1.

1,636 b a n k s .

$418, 558,148. 00

63, 232, 811.1230, 656, 222.84

291, 769, 553. 004,484,112.00

539,599,076.1029,838,391.53

3,474,192. 74

89,821,751.6022, 659, 267. 08

1, 494, 084, 526. 01

OCTOBELt 7.

1,642 b a n k s .

$420, 073, 415.00

66,695, 587.0133, 751, 446.21

293, 887, 941. 004,092,153.00

540, 797, 837.5123,062,119.924, 352, 379. 43

93, 111, 240.8919, 644, 940.20

1,499.469.060.17

1 868.

Surplus fund - - -Undivided profits

National b'k notes outstan d' g.State bank notes outstanding.

Individual depositsU.S. deposits...Dep'tsof U. S.difb'sing officers


Total

JANUARY 6.

1,642 b a n k s .

$420,260, 790.00

70, 586,125, 70• 31,399,877.57

294,377, 390.00 •3, 792, 013. 00

534, 704, 709. 0024, 305, 638 02

3, 208, 783.03

98,144, 669.0 L21,867,648.17

1,502,647,644.10

APRIL 6.

1,643 b a n k s .

$420, 676, 210.00

72,349,119.6032, 861, 597. 08

295, 336,044. 003,310,177.00

5H2, 011, 480. 3622, 750, 342.774, 976, 682. 31

94, 073, 631. 2521, 323, 636. 60

1, 499,668, 920. 97

JULY 6.

1,640 b a n k s .

$420,105, 011. 00

75, 840,118. 9 i33, 543,223. 35

294,908, 264 003,163, 771. 00

575, 842, 070.1224, 603, 676. 96

3, 499, 389.99

113,306,346.3427, 355, 204. 59

1,572,167,076.26

OCTOBER 5.

1,643 b a n k s .

$420,634,511.00

77, 995, 761. 4036,095, 883.98

295, 769, 489. 002, 906, 352. 00

580, 940, 820.8517, 573, 250.644,570,478,16

99,414, 397. 2823, 720,829.18

1,559,621,773.49


1892

8 3 0 REPORT OF THE COMPTROLLER OF THE CURRlSNC*.

AGGREGATE RESOURCES AND LIABILITIES OF THE NATIONAL

I860.

Resources.

Loans and discountsU. S. bonds to secure circ'lat'nU. S. bonds to secure deposits.U. S. b'ds and sec'ties on hand.Oth'r stocks, b'ds, and mortg'sDue from redeeming agents.Due from other national b'nksDue from State b'ks and b'k'rsKeal estate, furniture, etcCurrent expenses

Checks and other ca3h items .Bills of other national banks.Fractional currencySpecieLegal tender notesThree per cent, certificates . .

Total

JANUARY 4.

1,628 banks.

$644, 945, 039. 53338, 539, 950. 0034, 538, 350. 0035, 010, 600.0020,127,732.9665,727, 070. 8036, 067, 316.847, 715, 719. 34

23, 289, 838. 283, 265, 990. 811, 654,352.70

142, C05,984.9214, 684,799.002,280,471.06

29, 626, 750.2688, 239, 300.0052, 075, 000. 00

1, 540,394, 26a 50

APRIL 17.

1,620 banks.

$662,084,813.47338, 379, 250. 0029,721,350.0030,226,550.0020, 074,435.6957, 554, 382. 5530,520, 527. 898, 075, 595. 60

23, 798,188.135, 641,195.011, 716, 210.13

154,137,191.2311, 725, 239. 002, 088, 545.189, 944, 532.15

80, 875, 161. 0051,190, 000. 00

1, 517, 753,167.03

JUNE 12.

1,619 banks.

$686,347,755.81338, 699, 750.00

27, 625, 350. 0027.476, 650.0020,777, 560.5362, 912, 636. 8235, 556, 504. 53

9,140, 919. 2423,859,271.175, 820, 577. 871, 809,070.01

161, 614, 852.6611, 524, 447.001, 804, 855. 53

18,455, 090. 4880,934,119. 0049,815,000.00

1,564,174,410.65

OCTOBER 9.

1,617 banks.

$682,883,106.97339,480,100. 0018, 704, 000. 0025,903,950. 0022, 250,697.1456, 669,562.8435, 393, 563.478,790,418.57

25,169,188.955, 646,382.962, 092, 364. 85

108, 809, 817.3710, 776, 023. 002, 090, 727. 38

23, 002, 405.8383, 719, 295. 0045,845,000.00

1,497,226, 604.33

1870.

Loans and discounts.Bonds for circulationBonds for deposits . .U. S. bonds on hand.Other etoeks and bd'sDue from red'g ag'ntsDue from navl banksDue from State banksReal estate, etcCurrent expenses . . .Premiums paidCash item sCl'r'g-honseexch'gg.National bank notes.Fractional currency.SpecieLegal-tender notes..Three per cent, certfs

Total

JANUARY 22.

1,615 banks .

$b*8S, 875,203. 70339, 350, 750.00

17, 592, 000. 0024,677,100.0021, 082,412. 0071, 641, 486. 0531, 994, 609. 269, 319, 560. 54

26, 002, 713.013, 469, 588. 002,439,591.41

111, 624,822.00

15,840,669.002, 476, 966.75

48, 345, 383. 7287, 708, 502. 0043, 820, 000. 00

1,546,261,357.44

MARCH 24.

1,615 banks.

$710,848,609.39339, 251, 350. 00

16,102, 000. 0027, 292,150 0020,524, 294.5573,435,117. 9829, 510, C88.1110, 238, 219. 8526, 330, 701.246,683,189. 542, 680, 882. 39

11,267,703.1275, 317, 992.2214, 226, 817.002, 235, 499. 02

37,096, 543.4482, 485, 978.0043, 570, 000. 00

1,529,147,735.85

JUNE 9.

1,612 banks.

$719, 341,186.06338, 845, 200. 00

15, 704, 000. 0028, 276, 600. 0023,300,681.8774,635,405.6136,123, 750. 6610, 430, 781.3226,593,357.006, 324, 955. 473,076,456.74

11, 497, 534.1383, 936, 515.6416,842, 582. 00

2,184, 714. 3931,099,437.7894,573, 761.0043, 465, 000.00

1,565,756,909.67

OCTOBER 8.

1,615 banks.

$715, 928, 079.81340,857,450.00

15, 381, 500. 0022, 323, 800. 0023, 614, 721.2566,275,668.9233, 948, 805. 659, 202, 496.71

27, 470, 746. 975, 871, 750. 022,491, 222.11

12, 536, 613. 5779, 089, 688. 3912, 512, 927. 00

2, 078,178. 0518,460,011.4779, 324, 577.0043, 345, 000. 00

1,510,713,236.92

DECEMBER 28.

1,648 banks.

$725, 515, 538.49344,104, 200. 00

15,189, 500. 0023, 893, 300. 0022, 686, 358. 5964, 805, 062.8837, 478,166. 499, 824, 144.18

28, 021, 637. 446, 905, 073. 323, 251, 648. 72

13, 229, 403.3476, 208, 707.0017, 001, 846. 002,150, 522. 89

26, 307,251.5980, 580, 745. 0041, 845, 000. 00

1,538,998,105.93

Loans and discounts.Bonds for circulationBonds for deposits. .U. S. bonds ou hand..Other stocks and b'dsDue from rod'gag'ntsDue from nat'l banksDue from State banksReal estate, etcCurrent expensesPremiums i>aid „Cash itemsCl'r'g-house exch'gs.National bank notes.Fractional currency.SpecieLegal-tender notes . .Three per cent, cert'fs

Total

MARCH 18.

1,688 banks.

$767, 858, 490. 59351, 556, 700. 0015,231,500.0023,911,350.0022, 763, 869.2083,809,188.923D, 201,119. 9910, 271, 605. 3428, 805, 83 4.796, 694, 014.178, 939, 995.20

11,642, 644. 74100, 693, 917. 54

13,137, 006. 002,103, 298.16

25, 769,166.6491, 072, 349. 0037, 570, 000. 00

1,627,032,030. 28

APRIL 29.

1,707 banks.

$779,321, 828.11354,427,200.00

15, 230, 500. 0022, 487,050.0022,414,659. 0585, 061, 016. 3138, 332,679.7411.478,174.7129, 242,762. 796, 764,159. 734, 414,755. 40

12,749,289.84130,855,698.1516, 632, 323.002,135, 763. 09

22, 732, 027.02106, 219,126. 0033, 935, 000. 00

1,694,440,912. 94

JUNE 10.

1,723 banks.

$789, 416,568.13357, 388, 950. 00

15, 250, 500.0024, 200, 300.0023,132, 871.0592,369,246. 7139,636,579.3511,853. 308.6029, 637, 999.306, 295, D99.465, 026,385.97

13,101, 497. 95102,091,311.7519,101, 389. 002,160, 713. 22

19, 924, 955.16122,137, 660.0030, 690, 000.00

1,703,415,335.65

OCTOBER 2.

1,767 banks.

$831,552,210-00364, 475, 800. 0028, 087, 500.0017,753, 650.0024,517,059.3536,878,608.8443,525,362. 0512,772, 669. 8380, 089, 783. 856,153, 370.295,500, 890.17

14,058, 268.86101,165, 854.5214,197, 653.00

2, 095, 485. 7913, 252, 998.17

109,414,735.0025, 075, 000. 00

1,730,566,899.72

DECEMBER 16.

1,790 banks .

$818,996, 311.74366,840, 200.0023,155,150. 0017, 675, 500.0023, 061,184. 2077, 985,600.5343, 313, 344. 7813,069,301.4030, 070, 330. 577, 330, 424.125, 956, 073. 74

13, 784, 424. 76114, 538, 539.9313, 085, 904. 00

2, 061, 600. 8929, 595, 299. 5693, 942, 707. 0021, 400,000. 00

1,715,861,897.22 'Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

1892

REPORT OF THE COMPTROLLER OF THE CURRENCY.

BANKS FROM OCTOBER, 1863, TO OCTOBER 1892—Continued.

331

Liabilities.

Capital stock


Nat'lbank notes outstanding.State bank notes outstanding.

Individual depositsU. S. depositsDept's U. S. disburs'g officers.

Due to national banksDue to State banks and b'k'rs.

Notes and bills re-dlscounted.Bills payable

Total

JANUARY 4.

1,628 b a n k s .

$419, 040, 931. 00

81,169, 936.5235, 318, 273. 71

294, 476, 702.002, 734, 669.00

568,530,934.1113, 211, 850.19

3, 472, 884. 90

95,453,139.3326, 984, 945. 74

1, 540, 394, 266.50

APRIL 17.

1,620 b a n k s .

$420, 818, 721.00

82, 653, 989.1937, 489, 314.82

292, 457,098.002, 615, 387.00

547, 922,174.9110,114,328.32

3, 665,131. 61

92,662,648.4923, 018, 610.62

2,464, 849.811, 870, 913.26

1, 517,753,167.03

JUNE 12.

1,619 b a n k s .

$422, 659, 260. 00

82,218, 576. 4743, 812, 898. 70

292,753, 286.002, 558, 874. 00

574, 307, 382. 7710, 301, 907. 712,454, 048. 99

100, 933, 910. 0328, 046, 771. 30

2, 392, 205 611, 735, 289.07

1, 564,174, 410.65

OCTOBER 9.

1,617 b a n k s .

$426, 399,151.00

86,165, 334. 3240, 687, 300. 92

293, 593, 645.002, 454, 697.00

511,400,196.637,112,646.674, 516, 648.12

95, 067, 892. 8323, 849, 371. 62

3, 839, 357.102,140, 363.12

1,497,226,604.33

IS7O.

Capital stock

Surplus fundUndivided profits —

Nat'l bank circulat'n.State bank circulat'n.

Dividends unpaid

Individual deposits..U. S. depositsDep'ts U. S. dis. offic's

Due to national banksDue to State banks ..

Notes re-discounted..Bills payable

Total

JANUARY 22.

1,615 b a n k s .

$426, 074, 954. 00

90,174, 281.1434, 300, 430.80

292, 838, 935.002, 351, 993.00

2, 299, 296. 27

546, 236, 881. 576, 750,139 192, 592, 001. 21

108, 351, 300. 3328, 904, 849.14

3, 842, 542.301, 543, 753. 49

1,546,261,357.44

MARCH 24.

1,615 b a n k s .

$427, 504, 247. 00

90, 229, 954.5943,109, 471. 62

292, 509,149. 002, 279, 469. 00

1,483,416.15

516, 058, 085. 266,424,421.254, 778, 225. 93

109, 667, 715. 9529, 767, 575. 21

2,462, 647.492, 873, 357.40

1,529,147,735.85

JUNE 9.

1,612 b a n k s .

$427, 235, 701.00

91, 689, 834.1242, 861, 712. 59

291,183, 614. 002, 222, 793. 00

1, 517, 595.18

542, 261, 563.1810, 677, 873. 922, 592, 967. 54

115,456,491.8433, 012,162. 78

2, 741, 843. 532, 302, 756.99

1,565,756,909.67

OCTOBER 8.

1,615 b a n k s .

$430, 399, 301. 00

94, 061,438. 9538, 608, 618.91

291, 798, 640.002,138, 548. 00

2,462,591.31

501,407,586.906, 807, 978. 494, 550,142. 68

100,348,292.4529, 693, 910. 80

3, 843, 577. 674, 592, 609. 76

1,510,713,236.92

DECEMBER 28.

1,648 b a n k s .

$435, 356, 004. 00

94, 705, 740. 3446, 056,428. 55

296,205, 446. 002, 091, 799.00

2,242,556.49

507,368,618.676, 074,407. 904,155, 304. 25

106, 090,414. 5329, 200, 587. 29

4, 612,131. 084, 838, 667. 83

1,538,998,105.93

1871.

Ca pital stock

Undivided profits

ISTat'l bank circulat'n.State bank circulat'n.

Dividends unpaid

Individual deposits..U. S. depositsDept's \J. S. dis. offic's

Due to national b'nksDue to State banks ..


Total

MARCH 18.

1,688 b a n k s .

$444,232, 771. 00

96, 862, 081. 6643, 883, 857. 64

301,713, 460.002, 035, 800.00

1,263,767.70

561,190, 830.416, 314, 957. 814, 813, 016. 66

118, 904, 865.8437, 311, 519.13

3, 256, 896.425, 248, 206. 01

1,627,032,030.28

APRIL 29.

1,707 b a n k s .

$446, 925, 493. 00

97, 620, 099. 2844, 776, 030. 71

306,131,393 001, 982, 580. 00

2,235, 248.46

6il ,025,174.106, 521, 572. 923, 757, 873. 84

128, 037, 469.1736,113,290.67

3, 573, 723.025, 740, 964. 77

1,694,440,912.94

JUNE 10.

1,723 b a n k s .

$450, 330, 841. 00

98, 322, 203.8045, 535, 227. 79

307, 793, 880. 001, 968, 058. 00

1, 408, 628. 25

602,110,758.166, 265,167. 944, 893, 907. 25

135,167, 847. 6941, 219,802. 96

3,120, 039. 095, 278, 973. 72

1,703,415,335. 65

OCTOBER 2.

1,767 b a n k s .

$468, 255, 696. 00

101,112,671.9142, 008, 714.38

315, 519,117. 001, 921, 056. 00

4, 540,194.61

600, 868, 486. 5520,511,935.985, 393, 598. 89

131,730,713.0440, 211, 971. 67

3, 904, 552. 574, 528,191.12

1,730,566,899.72

DECEMBER 16.

1,790 b a n k s .

$460, 225, 866. 00

101, 573,153. 6248, 630, 925. 81

318, 265, 481. 001, 886, 538. 00

1, 393, 427. 98

596, 586, 487. 5414, 829, 525. 655, 399,108. 34

118, 657, 614.1638,116, 950.67

4, 922,455. 785, 374, 362. 67

1,715,861,897.22


1892

332 REPORT OF THE COMPTROLLER OF THE CURRENCY,


Kesourees.

Loans and discounts.Bonds for circulationBonds for deposits...U. S. bonds on hand. .Other stocks and b'dsDue from red'g ag'ntsDue from na'tl banksDue from State banksReal estate, etcCurrent expenses. -Premiums paidCash itemsCleai'g-houseexch'gaNational-bank notes,Fractional currency.SpecieLegal-tender notes . .U.S. cert'fs of depositThree per cent, cert'fs

FEBRUARY 27.

1,814 banks.

$839, C65, 077.91370, 924, 700. 00

15, 870, 000. 0021, 323,150.0022,838, 388.8089,548, 329. 9338, 282, 905. 8612,269, 822. 6830, 637, 676. 756,265,655.136,308, 821.86

12,143,403.1293,154, 319.7415, 552,087. 002, 278,143.24

25, 507,825.3297, 865, 400. 00

18, 980, 000. 00

APRIL 19.

1,843 banks.

$844,902, 253. 49374, 428, 450. 0015,169, 000.0019, 292,100. 0021, 538, 914. 0682,120, 017.2436, 697, 592. 8112, 299, 716.9430, 809, 274.987, 026, 041. 236, 544, 279. 29

12,461,171.40114,195, 966. 3618, 492, 832. 002,143, 249. 29

24, 433, 899.46105, 732,455. 00

15,365, 000. 00

JUNE 10.

1,853 banks.

$871, 531,448. 67377,029, 700.00

15, 409, 950.0016,458,250.0022,270,610.4791,564,269.5339, 468, 323.3913, 014, 265. 2631,323,843.216, 719, 794.906, 616,174. 75

13,458,753.8088, 592, 800.1616, 253, 560. 002,069,464.12

24, 256, 644.14122, 994, 417.00

12, 005,000. 00

Total 1,719,415,657.34 1,743,652,213.55 1,770,837,269.40 1,755,857,098.24 1,773,556,532.43

OCTOBER 3.

1,919 banks.

$877,197, 923. 47382, 046, 400. 00

15, 479, 750. 0012,142, 5 0.0023, 533,151. 7380,717,071.3034,486, 593.8712, 976, 878. 0132, 276, 49a 176, 310, 428. 796, 546, 848. 52

14,916, 784.34110, 086, 315. 3715, 787, 296. 002,151, 747. 88

10, 229, 756. 79105,121,104.00

6, 710, 000.007,140, 000. 00

DECEMBER 27.

1,940 banks.

$885, 653,449.62d84, 458, 500. 0016, 304, 750.0010,306,103.0023,160,557. 2986,401,459.4442, 707,613. 5412, 008, 843. 5433,014,796.838,454,803. 977, 097, 847.86

13,696,723.8590,145, 482. 7219, 070, 322. 002, 270, 576.32

19, 047, 336. 45102, 922, 369. 0012, 650, 000. 004,185, 000. 00

Loans and discounts.Bonds for circulationBonds for deposits . .U. S. bonds on band . .Other stocks and b'dsDue from red'g ag'nt sDue from nat ' l banksDue from State banksReal estate, etcCurrent expenses . . .Premiums paidCash itemsClear'g-house exch'gsNational-bank notes.Fractional currency.SpecieLegal-tender notos . .U.S.cert 'fs of depositThree per cent, cert'fs

Total..

FEBRUARY 28.

3,947 banks.

$913,265,189.67384, 675, 050. 00

15, 035, 000.0010, 436, 950. 0022, 063,306. 2095, 773, 077.1039, 483, 700. 0913, 595, 679.1734, 023, 057. 77

6, 977, 831. 357, 205,259. 67

11, 761, 711. 50131,383, 860.9515, 998, 779. 002, 289, 680.21

17, 777, 673.5397,141, 909.0018, 460, 000.001, 805, 000.00

1,839,152,715.21

1 8 7APRIL 25.

1,962 banks.

$912, 064, 267. 31386,763, 800. 0016, 235, 000.009, 613, 550. 00

22, 449, 146. 0488, 815, 557. 8038, 671, 088. 6312, 883, 353. 3734, 216, 878. 077,410, 045.877,559, 987.67

11,425, 209. 0094,132,125.2419, 310, 202. 002,198,973.37

16,868, 808. 74100, 605, 287. 0018, 370, 000. 00

710, 000.00

1,800,303,280.11

3 .JUNE 13.

1,968 banks.

$925, 557, 682.42388, 080,300.00

15, 935, 000. 009, 789, 400. 00

22, 912, 415. 6397,143, 326. 9443, 328, 792. 2914, 073, 287. 7734, 820, 562. 777,154, 211. 697, 890,962.14

13,036,482.5891, 918, 526.5920, 394, 772. 002,197, 559.84

27, 950, 086. 72106,381,491.0022, 365, 000.00

305, 000.00

1,851,234,860. 38

SEPTEMBER 12.

1,976 banks.

$944, 220,116.34388, 330,400.0014, 805,000.008, 824, 850.00

23, 709, 034. 5396,134,120.6641, 413, 680. 0612, 022, 873.4134, 661, 823. 216,985,436. 997, 752, 843. 87

11, 433, 913.2288, 926,003. 5316,103, 842. 002, 302, 775. 26

19, 868, 469.4592, 522, 663. 0020, 610, 000. 00

1,830,627,845.53

DECEMBER 26.

1,976 banks .

$856, 816, 555. 05389, 384, 400. 0014, 815, 200. 008, 630, 850.̂ 00

24, 358,125.0673, 032, 046. 8740, 404, 757. 9711,185, 253. 0835, 556, 746.488, 678, 270.397, 987,107.14

12, 321, 972.8062,881,342.1621, 403,179. 00

2, 287, 454. 0326, 907, 037. 58

108, 719, 506. 0024, 010, 000.00

1,729,380,303.61

1874.

FEBRUARY 17.

1,975 banks .

MAY 1.

1,978 banks.

JUNE 26.

1,983 banks.

OCTOBER 2.

2,004 banks.

DECEMBER 31.

2,027 banks.

Loans anddisconnts.Bonds for circulationBonds for deposits...U. S. bonds on hand..Other stocks and b'dsDue from res'veag'tsDue from nat'i banksDue from-State banksReal estate, etcCurrent expenses . . .Premiums paid....Cash itemsClear'g-house exoh'gsNational-bank notes.Fractional currency.SpecieLegal-tender notes..U.S. cert'fs of depositDep. with U. S. Treas

$897, 859, (500.46389, 614, 700. 0014, 600, 200. 0011,043, 400.0025, 305, 736. 24

101, 502, 861. 5836, 624, 001. 3911,496,711.4786, 043, 741. 506, 998, 875. 758, 741, 028. 77

10, 269, 955. 5062, 768,119.1920, 003, 251. 002, 309, 919. 73

33, 365,863.58102, 717, 563. 0037, 235, 000. 00

$923, 347, 030. 79389, 249,100.00

14, 890, 200,0010,152, 000. 0025, 460, 460. 2094, 017, 603. 3141, 291, 015. 2412, 374. 391. 2836, 708; 066 39

7, 547, 203. 058, 680, 370. 84

11, 949, 020. 7194, 877, 796. 5220, 673, 452. 002,187,186. 69

32, 569, 969. 26101,692, 930. 0040,135, 000. 00

$926,195,671.70390, 281, 700. 0014, 89,0, 200.0010, 456, 900. 0027, 010, 727. 4897, 871, 517. 0645, 770, 715. 5912,469, 592. 3337, 270, 876. 51

7, 550,125.208, 563, 262. 27

10, 496, 257. 0063,896,271.3123,527,991.002, 283, 898. 92

22, 326, 207. 27103,108,350.0047, 780, 000. 00

91, 250.00

$954, 394, 791.59383, 254, 800. 0014,691, 700. 0013, 313, 550. 0027, 807, 826.9283, 885,126. 9439, 695, 309.4711,196, 611. 7338,112,926.527,658,738.828, 376, 659. 07

12, 296, 416.7797, 383, 687.1118,450,013.002, 224, 943.12

21, 240, 945. 2380, 021, 946.0042, 825, 000. 0020, 349,950.15

$955,862,580.51382,976,200.0014, 714, 000.0015,290,300.0028,313,473.1280,488, 831.4548,100,842. 6211, 655,573.0739,190, 683.045, 510, 566.478, 626,112.16

14, 005, 517. 33.112,995,317.5522, 532, 336. 002, 392, 668.74

22, 436, 761.0482, 604, 791. 0033, 670, 000. 0021, 043, 084. 36

Total 1,808,500,529.16 1,867,802,796.28 1,851,840,913.64 1,877,180,942.44 1,902,409,638.40Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

1892

REPORT OF THE COMPTROLLER OP THE CURRENCY, 333

BANKS FROM OCTOBER; 1863, to OCTOBER, 1892—CoTitiuuecL

1 8 7 2 .

Liabilities.

Capital stock

Surplus fundUndivided prof i ts . . . .

Nat ' l bank circulationState bankcircnlati en

Dividends unpaid

Individual deposits..U. S. deposits -Dep'tsUS.dis.officers

Due to national banksDuo to State banks . .

Notes re-discounted . .Bills p:\yable . . . . . . . .

Total . . . . . . . . . .

FERRUARY 27.

1,814 banks.

$464, 081, 744. 00

103, 787, 082. 6243, 310, 344, 46

321, 634, 675.001, 830, 563. 00

1,451,746.29

503,645,666.167,114,893.475, 024, 699.44

128, 627, 494.4439, 025,165. 44

3, 818, 686. 910,062,890.91

1,719,415,657.34

APRIL 19.

1,843 banks.

$467, 924, 318. 00

104, 312, 525. 8146, 428, 590.90

325, 305, 752.001, 763, 885. 00

1, 561,914. 45

620, 775, 265. 786, 355, 722. 953, 416, 371.16

120, 755, 565. 8635, 005,127. 84

4, 225, 622. 045,821,551.76

1,743,652,213 55

J U N E 10.

1,853 banks.

$470, 543, 301. 00

105,181, 943. 2850, 234, 298. 32

327, 092, 752. 001,700, 935. 00

1,454, 044.06

618,801,619.496, 993, 014. 775, 463, 953.48

132, S04, 924. 0239, 878, 826.42

4, 745,178. 225, 942, 479. 34

1,770,837,269.40

OCTOBER 3.

1,919 banks.

$479, 629,174. 00

110,257,516.4546, 623, 784. 50

333, 495, 027. 001, 567,143. 00

3,149, 749. 61

613,290,671.457, 853, 772. 414, 563, 833. 79

110, 047, 347.6733, 789, 083. 82

o, 549, 431. 886, 040, 562. 66

1,755,857,098.24

DECEMBER 27.

1,940 banks.

$482, 606, 252. 00

111, 410, 248. 9856,762,411.89

336, 289, 285. 001, 511, 396. 00

1, 356, 934.48

598,114, 679. 267, 863, 894.935,136, 597.74

124, 218, 392.8334, 794, 963.37

6, 545, 059. 786, 946,416.17

1, 773, 556, 532.43

Capital stock


Nat ' lbank circulationStatebank circulation

Dividends unpaid

Individual deposits..U.S. DepositsDep'ts U. S. dis.officeis

Due to national banksDue to State b a n k s . . .

Notes rediscounted . .Bills payable

Tofal

FEBRUARY 28.

1,947 banks.

$484, 551, 811. 00

114,681,048.7348, 578, 045. 28

336, 292, 459. 001, 368, 271.00

1, 465, 993. 60

656,187,551.617, 014, 848. 345, 835, 696. 80

134,231,842.9538, 124,803. 85

5,117,810.505, 672, 532. 75

1,839,152,715.21

APRIL 25.

1,982 banks.

$487, 891, 251. 00

115, 805, 574. 5752, 415, 348. 46

338,163, 864. 001,280,208.00

1, 462, 336. 77

616, 848, 358. 257, 880, 057. 734, 425, 750.14

126, 631, 926.2435, 036, 433.18

5,403, 043.387, 059,128.39

1,800,303,280.11

J U N E 13.

1,968 banks.

$490,109,801.00

116,847,454.6255, 306,154.69

338, 788, 504. 001, 224, 470.00

1, 400, 491.90

641, 121, 775. 278, 691, C01. 956, 416, 275.10

137, 856, 085. 6740, 741, 788. 47

5, 515,900. 677, 215,157.04

1,851,234,860.38

SEPTEMBER 12.

1,976 banks.

$491,072, 616.00

120, 314. 499. 2054,515,131.76

339, 081, 799. 001,188, 853. 00

1,402, 547. 89

622, 685, 563. 297, 829, 327. 738, 098, 560.13

133, 672, 732. 9439, 298,148.14

5,987, 512.365,480, 554. 09

1,830,627,845.53

DECEMBER 26.

1,976 banks.

$490, 266,611.00

120, 961, 267. 9158, 375,169.43

341, 320, 256. 001,130, 585. 00

1, 269, 474.74

540, 510, 002.787, 680, 375. 264, 705, 593. 36

114, 996, 666.5436, 598, 076. 29

3,811,487.897, 754,137. 41

1,729,380,303.61

1874.

Capital stock

Surplus fundUndivided profits . . .

Nat ' l bankcirculationStatebank circulation

Dividends unpaid

Tndividual deposits. .U. S. depositsDep'tsU.S.dis.officers

Due to national banksDue to State banks . .

Notes rediscounted..Bills payable . . . .

Total . . . . . . . . . .

FEBRUARY 27.

1,975 banks

$490, 859,101. 00

123,497,347.2050,236, 919.88

339,602, 955. 001, 078, 988. 00

1,291,055.63

595, 350, 334 907, 276, 959.875, 034, 624. 46

138, 435, 3F8. 3948,112,223.40

3; 448. 828. 924, 275, 002. 51

1,808,500,529.16

MAYl.

1,978 banks.

$490,077, 001.00

125,561,081.2354, 331, 713.13

340, 267, C49. 001, 049, 286.00

2, 259,129.91

649, 286, 298. 957, 994, 422.273, 297, 689. 24

135, 640,418.2448, 683, 924. 34

4, 581, 420.384, 772, 662. 59

1,867,802,796.28

J U N E 26.

1,983 banks.

$491,003,711.00

126, 239, 308. 4158,332, 965. 71

338, 538, 743. 001, 009, 021. 00

1, 242,474.81

622,863,154.447, 322, 830. 853, 238, 639. 20

143, 033, 822. 2550, 227, 426.18

4, 436, 256. 224, 352, 560. 57

1,851,840,913.64

OCTOBER 2.

2,004 banks.

$493,765,121.00

128, 958,106. 8451,484, 437. 32

333, 225, 298. 00964, 567. 00

3, 516, 276. 99

669, 068, 995. 887,302,153.583, 927, 828. 27

125,102,049.9350, 718, 007. 87

4, 197, 372. 254, 950, 727. 51

1,877,180,942.44

DECEMBER 31.

2,027 banks.

$495,802,481.00

130, 485, 641. 3751,477, 629.33

331,193,159. 00860,417.00

6, 088, 845. 01

682, 846, 607. 457, 492, 307. 783, 579, 722. 94

129,188,671.4251, 629, QO?,. 86

6, 365, 652.975, 398, 900. 83

1,902,409,638.46Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

1892

3 3 4 REPORT OF THE COMPTROLLER OF THE CURRENCY.


1 8 7 5 .

Resources.

Loans and discountsBonds for circulationBonds for deposits...U. S. bonds on band..Otber stocks and b'dsDue from res've ag'tsDue from nat'l banksDue from State banksReal estate, etcCurrent expenses .. .

Cash itemsClear'g-houseexch'gsBills of otber banks.Fractional currency.SpecieLegal-tender notes ..U. S. cert'fs of depositDue from IT. S. Treas

Total.

MARCH 1.

2,029 banks.

$956, 485, 939.35380, 682, 650. 00

14, 492, 200. 0018, 062,150. 0028, 268, 841. 6989,991,175.3444, 720, 394.1112, 724, 243. 9739,430, 952.127, 790, 581. 869,006, 880.92

11, 734, 762. 4281,127, 796. 3918, 909, 397. 00

3, 008, 592.1216, 667,106.1778, 508,170.0037, 200, 000. 0021,007,919.76

1,869,819,753.22

MAYl.

2,046 banks.

$971, 835, 298. 74378,026, 900.00

14, 372, 200. 0014, 297, 650.0029,102,197.1080, 620, 878. 7546, 039, 597.5712, 094, 086.3940, 312, 285.997, 706, 700.428,434, 453.14

13,122,145. 88116, 970, 819. 0519, 504, 640. 002, 702, 326. 44

10,620,361.6484, 015, 928. 0038, 615. 000.0021,454,422.29

1,909,847,891.40

JUNE 30.

2,076 banks.

$972,926,532.14375,127, 900.00

14,147, 200. 0012, 753,000.0032,010,316.1889, 788, 903.7348, 513,388.8611, 625,647.1540, 969, 0e0.49

4, 992, 044.348, 742, 393. 83

12,433,100.4388, 924, 025.9324,261,961.002, 620, 504. 26

18,9c9, 582. 3087, 492, 895. 0047, 310, 000.0019,640,785.52

1,913,239,201.16

OCTOBER 1.

2,088 banks.

$984,691,434.40370, 321, 700.0014,097, 200. 0013, 989, 950.0033,505, 045.1585, 701, 259. 8247,028, 769.1811, 963, 768. 9042, 366, 647.65

7, 841, 213.058, 670, 091.18

12, 758, 872. 0375,142, 863.4518, 528, 837. 002, 595, 631. 788, 050, 329.73

76,458, 734.0048, 810, 000. 0019, 686,960.30

1,882,209,307.62

DECEMBER 17.

2,086 banks .

$962,571,807.70363, 618,100.00

13,981,500.0016, 009, 550. 0031,657,960.5281, 462, 682. 2744, 831, 891. 4811, 895, 551. 0841, 583, 311.94

9, 218, 455. 479, 442, 801. 54

11, 238, 725. 7267, 886,967. 0417,166,190. 002, 901, 023.10

17, 070, 905, 9070, 725, 077.0031,005,000.0019, 202, 256. 68

1,823,469,752.44

Loans and discounts.Bonds for circulationBonds for depos i t s . . .U. S. bonds on hand . .Other stocks and b'dsDue from res've agtsDue from nat ' l banksDue from State banksReal estate, etcCurrent expenses - . .Premiums paidCash itemsClear'g-houseexch'gsBills of other b a n k s . .Fractional currency.SpecieLegal-tender notes . .U. S. cert'fs of depositDue from TJ. S. Treas

Total

MARCH 10.

2,091 banks.

$950,205,555.62354, 547, 750. 0014, 216, 500. 0025,910,650.0030, 425,430.4399, 068, 360.3542,341,542.6711,180, 562.1541,937,617.25

8, 296, 207. 8510, 946, 713.159, 517, 868.86

58, 863, 182.4318, 536, 502. 00

3, 215, 594.3029, 077, 345. 8576, 768, 446. 0030, 805, 000. 0018,479,112.79

1,834,369,941.70

187

MAY 12.

2,089 banks .

$939, 895,085.34344, 537, 350.00

14,128, 000. 0026,577, 000. 0030,905,195.8286, 769, 083. 9744, 328, 609.4611,262,193. 9642,183,958.78

6, 820, 573. 3510. 414, 347.289, 693,186. 37

56, 806, 632. 6320, 347, 964. 00

2, 771, 886.2621,714,594.3679, 858, 661.0027, 380, 000. 0016,911, 680.20

1,793,306,002.78

6 .

JUNE 30.

2,091 banks.

$933, 686, 530.45339, HI , 750.0014, 328, 600. 0030, 842, 300. 0032, 482, 805.7587, 989, 900. 9047, 417, 029. 0310, 989, 507.9542, 722, 415. 27

5,025, 549.3810, 621, 634. 0311, 724, 592. 6775, 328, 878. 8420, 398, 422.00

• 1, 987, 897.4425, 218,469. 9290, 836, 876. 0027,955, 0C0. 0017, 063, 407.65

1,825,760,967.28

OCTOBER 2.

2,089 banks.

$931,304, 714.06337,170, 400. 0014, 698, 000.0033,142,150.0034,445,157.1687, 326, 950.4847, 525, 089. 9812, 061, 283. 0843.121, 942. 01

6; 987, 644. 4610,715, 251.1612, 043,139. 6887, 870, 817. 0615,910, 315. 001, 417, 203. 66

21,360, 767.4284, 250; 847. 0029,170, 000. 0016, 743, 695. 40

1,827,265,367.61

DECEMBER 22.

2,082 banks.

$929,066,408.42336,705,300.0014,757,000.0031,937, 950.0031, 565, 914.5083, 789,174. 6544, Oil, 664. 9712,415,841.9743,498,445. 499, 818,422.88

10,811, 300.6610, 658, 709. 2668, 027, 016.4017, 521, 663.001,146, 741. 94

32, 999, 647. 8966,221,400.0026, 095, 000. 0016, 359,491.73

1,787,407,093.76

Loans and discounts-Bonds for circulationBonds for deposits...IT. S. bonds on hand..Otber stocks and b'dsDue from res've ag'tsDue from nat'l banksDue from State banksReal estate, etcCurrent expenses . . .Premiums paidCash itemsClear'g-houseexch'gsBills of other banks..Fractional currency.SpecieLegal-tender notes . .U. S. cert's of depositDue from TJ. S. Treas

Total

JANUARY 20.

2,083 banks.

$920,561,018.65337, 590, 700.0014, 782, 000.0031, 988, 650.0031, 819, 930.2088,698, 308.8544, 844, 616. 8813, 680, 990.8143,704,335.474,131, 516, 48

10, 991, 714.5010, 295, 404.1981,117, 889. 0418,418, 727. 001, 238, 228. 08

49, 709, 267.5572, 689, 710. 0025, 470, 000. 0016,441, 509. 98

1,818,174,517.68

187APRIL 14.

2,073 banks .

$911, 946, 833.88339, 658,100. 0015, 084, 000. 0032, 964, 250. 0032, 554, 594.4484,942,718.4142, 027, 778.8111, 911,437.3644,736, 549. 097, 842, 296.86

10, 494, 505.1210, 410,623.8785,159,422,7417, 942, 693.001,114.820.09

27, 070; 037. 7872, 351, 573. 0032,100, 000. 0016, 291,040.84

1,796,603,275.29

7 .

JUNE 22.

2,078 banks.

$901,731,416.03337,754,100. 0014,971, 000.0032,344, 050. 0035, 653,755. 2982,132, 099.9644, 567, 303. 6311, 246, 349.7944, 818, 722, 077, 910, 864.84

10,320, 674. 3410,099,988.4657, 861, 481.1320,182, 948.00

1, 055,123.6121, 335, 996. 0678, 004, 386. 0044,430, 000. 0017, 932, 574. 60

1,774,352,833.81

OCTOBER 1.

2,080 banks.

$891, 920, 593. 54336, 810, 950.00

14,903, 000.0030, 088, 700. 0034, 435, 995.2173,284,133.1245, 217, 246. 8211,415, 761. 6045, 229, 983.256, 915, 792. 509, 219,174, 62

11, 674, 587. 5074,525, 215.8915, 531, 467. 00

900, 805.4722, 658, 820. 3166,920, 684.0032, 410, 000.0016, 021,753.01

1741,084,663.84

DECEMBER 28.

2,074 banks .

$881, 856, 744. 87343, 869, 550.00

13, 538, 000.0028,479, 800. 0032,169, 491. 0375, 960, 087. 2744,123, 924. 9711, 479, 945. 6545, 511, 932. 258, 958, 903. 608, 841, 939. 09

10, 265, 059.4964, 664,415. 0120, 312,692. 00 •

778, 084. 7832,907, 750. 7070,168, 248, 0026, 515, 000.0016, 493, 577.08


1892

REPORT OF THE COMPTROLLER OF TOE CURRENCY.

BANKS FROM OCTOBER, 1863, TO OCTOBER, 1892 —Continned,

1 § 7 * .

Liabilities.

Capital stock


Nat'l bank circulationState bank circulation

Dividends unpaid

Individual deposits..U. S. depositsDept'sU.S.dis. officers

Due to nat'onal banksDue to State banks ..


Total.....

MARCH 1.

2,029 banks .

$496, 272, 901. 00

131, 249, 079. 4751, 650, 243. 62

324, 525, 349.00824, 876. 00

1,601,255.48

647, 735, 879. 697, 971, 932. 755, 330, 414 16

137, 735,121. 4455, 294, 663. 84

4, 841, 600. 204, 786, 436. LI

1,869,819,753.22

MAY 1.

2,048 b a n k s .

$498, 717.143.00

131, 604, 608. 6055, 907, 619. 95

323, 321, 230. 00815, 229. 00

2, 501, 742. 39

695, 347, 677,706. 797, 972. 002, 766, 387. 41

127, 280, 034. 0253, 037, 582. 89

5, 671, 031. 446, 079, 632.94

1,909,847,891.40

JUNE 30.

2,076 b a n k s .

$501,508,563.50

133,169, 094. 7952,160,104. 68

318,148, 406. 00786, 844.00

6,105, 519. 34

686, 478, 630. 486, 714, 328. 703, 459, 0G1. 80

138, 914, 828. 3955,714,055.18

4, 261, 464, 455, 758, 299. 85

1,913,239,201.16

OCTOBER 1.

2,088 b a n k s .

$504, 829, 769. 00

134,356,076.4152,001,953.50

318, 350, 379. 00772, 348. 00

4, 003, 534. 90

664,579,619.39(i, 507, 531. 594, 271,195.19

129.810,681.6049, 918, 530. 95

5, 254, 453.666, 590, 234.43

1,882,209,307.62

DECEMBER 17.

2,086 b a n k s .

$505, 485, 865.00

133, 085, 422. 3059,204,957.81

314, 979. 451. 00752' 722. 00

1, 353, 396. 80

618,517,215.746, 652, 55G. 674, 232, 550, 87

119, 843, 665.44" 47,048,174. 58

5,257,160. 617, 056,583.64

1, 823, 469, 752.44

1 §

Capital stock

Surplus fundUndivided profits...,

Nat'l bank circul ationState bank circulation

Dividends unpaid

Individual deposits..U. S. depositsDept'sU.S.dis. officers



Total

MAECH 10.

2,091 b a n k s .

$504, 818, 666. 00

133, 091, 739. 5051,177, 031. 26

307, 476,155. 00714,539. 00

1,405,829. 06

620,674,211.056, 606, 394. 904, 313, 915.45

139, 407, 880. 0654, 002,131. 54

4, 631, 882.576, 049, 566. 31

1,834,369,941.70

MAY 12.

2,089 b a n k s .

$500, 982, 006. 00

131,795,199.9441), 039, 278. 75

300, 252, 085. 00667, 060. 00

2, 325, 523. 51

612, 355, 096. 598, 493, 878. 182, 505, 273. 30

127,880,045.0446, 706, 969. 52

4, 653, 460. 085, 650,126. 87

1,793,306,002.78

JUNE 30.

2,091 b a n k s .

$500, 393, 796. 00

131,897,197.2146,609,341.51

294, 444, 678. 00658, 938.00

6,116, 079. 30

C41, 432. 886. 087, 667, 722. 973, 392, 939. 48

131,702,164.8751,403, 995. 59

3,867, 622. 246,173, 006. 03

1,825,760,967.28

OCTOBER 2.

2,089 b a n k s .

$499, 802, 232. 00

132, 202, 28?. 0046,445,215.59

291, 544, 020. 00628, 847. 00

3, 848, 705. G4

651,385,210.197, 256, 801.423, 746, 781. 58

131, 535, 909.0448/250,111.63

4, 464, 407. 316,154, 784. 21

1,827,205,067.61

DECEMBER 22.

2,082 b a n k s .

$497,482,016.00

131,390,664.6752, 327, 715.08

292, 011, 575. 00, 608, 548. 00

1, 286, 540.28

619, 350, 223.060, 727,155.144, 749, 615. 39

122, 351, 818. 0948, 685, 392.14

4, 553,158. 7G5, 882, 672.15

1,787,407,093.76

Capital stock


Nat'l bank circulationState bank circulation

Dividends unpaid

Individual deposits..U. S. depositsDept's U.S. dis. officers



Total

JANUARY 20.

2,083 b a n k s .

|493, 634, 611. 00

130, 224,169. 0237, 456, 530. 32

292, 851, 351.00581, 242. 00

2,448, 909.70

659, 891, 969. 767, 234, 696. 963,108, 316. 55

130, 293, 566. 3649,965,770.27

4, 000, 063. 826,483, 320. 92

1,818,174,517.68

1 §7APRIL 14.

2,073 b a n k s .

$489, 684, 645.00

127, 793, 320. 5245, 609, 418. 27

294,710,313.00535, 963. 00

1, 853, 974.79

641, 772, 528. 087, 584, 267.723, 076, 878. 70

125, 422, 444.4348,604,820.09

3,985,459.755, 969, 241.94

1,796,603,275.29

7 .

JUNE 22.

2,078 b a n k s .

$181, 044, 771. 00

124, 714, 072.9350, 508, 351.70

290, 002,057. 00521,611.00

1, 398,101. 52

636, 267, 529.207,187, 431. 673, 710,167.20

121,443, 601.2348, 352, 583.90

2, 953,128. 586, 249,426. 88

1,774,352,833.81

OCTOBER 1.

2,080 b a n k s .

$479, 467, 771. 00

122,776,121. 2444, 572, 678.72

291,874,236.00481,738.00

3, 623, 703.43

616,403, 987.127, 972, 714. 752,376, 983.02

115, 028,954.3846, 577, 439. 88

3,791,219.476,137,116.83

1,741,084,663.84

DECEMBER 28.

2,074 b a n k s .

$477,128, 771. 00

121,618,455.3251,530,910.18

299, 240, 475 00470, 540.00

1,404,178. 34

604,512,514.526, 529, 031.093, 780, 759. 43

115,773,660.5844, 807, 958. 79

4, 654, 784. 515, 8 43, 107.03

I, 737,295,145.79


1892

3 8 6 REPORT OF THE COMPTROLLER OF THE CURRENCY.

RESOURCES AND LIABILITIES OF THE NATIONAL

§ .

Resources.

Loans and dis< onnts.Bonds for circulationBonds for deposits .U. S. bonds on hand.Other stock sand b'dsDue from res've agt'sDue from nat'l banksDue from State banksReal estate, etcCurrent expenses . . .Premiums paidCash itemsCiear'g-house exch'gsBills of other banks.Fractional currency.Specie ."Legal-tender notes ..TJ. S. cert'fis of depositDue from U. S. Treas.

Total

MARCH 15.

2,063 banks .

$854, 750, 708. 87343,871,350.00

13,329,000.0034, 881, 600. 0034, 674, 307. 2186, 016,990. 7839, 692,105. 8711, 683, 050.1745, 792, 363. 73

7, 786, 572.427, 806,252 00

10,107,583. 7666, 498, 965.2316, 250, 569.00

697, 398.8654, 729, 558. 0264, 034, 972.0020, 605, 000. 0016, 257, 608. 98

1,729,465,956.90

MAY 1.

2,059 banks.

$847, 620,392.49345, 256, 350. 00

19, 536, 000. 0033, 615 700. 0034. 697, 320. 5371, 331,219.2740, 545, 522.7212,413, 579.1045, 901, 536. 93

7, 239,365. 787, 574, 255. 95

10,989,440.7895, 525.134. 2818, 363| 335. 00

661, 044. 6946, 023, 756. 0667, 245, 975. 0020, 995, 000. 0016,364, 030.47

1,741,898,959. 05

JUNE 29.

2,056 banks.

$835, 078,133.13347,332,100.0028,371.000.0040,479, 900. 0036, 694, 996. 2478, 875. 055. 9241, 897, 858. 8912,232, 316. 3046,153, 409.354, 718, 618.667,335,454.49

11, 525, 376. 0787,498, 287. 8217, 063, 576. 00

610, 084.2529, 251,469. 7771, 643,402. 0036, 905, 000. 0016, 798, 667.62

1,750,464,706. 51

OCTOBER 1.

2,053 banks.

$833, 988, 450.59347, 556,650. 0047, 936, 850.0046, 785, 600. 0036, 859,534. 8285, 083, 418. 5141, 492, 918.7512, 314, 698.1146, 702, 476.26

6, 272, 566. 737,134, 735. 68

10, 982, 432. 8982, 372, 537. 8816, 929,721. 00

515,661.0430, 688, 606. 5964. 428, 600. 0032, 690,000. 0016,543,674. 36

1,767,279,133.21

DECEMBER 6.

2,055 banks.

$826, 017, 451. 87347, 812, 300.0049,110, 800.0044, 255, 850. 0035,816,810.4781,733,137.0043,144, 220 6812, 259, 856. 0946, 728,147. 36

7, 608,128. 836, 978, 768. 719, 985,004. 21

61, 998, 286.1119,392,281.00

496, 864. 3434, 355, 250. 3664, 672, 762. 0032, 520, 000. 0017, 940, 918. 34

1,742,826,837.37

1879.

•

Loans and discounts.Bonds for circulationBonds for deposits ..U. S. bonds on hand .Other stocks and b'dsDue from res've ag'tsDue from nat'l banksDue from State banksHeal estate, etcCurrent expenses . . .Premiums paidCash itemsClear'g-houvse exch'gsBills of other banks.Fractional currency.SpecieLegal-tender notes ..TJ. S. cert'fs of depositDue from TJ. S. Treas.

Total

JANUARY 1.

2,051 banks.

$823, 906, 765. 68347,118, 300. 0066, 507, 350. 0044, 257, 250. 0035, 569, 400.9377, 925, 068. 6844,161,948.4611, 892, 540.2647, 091, 964, 70

4, 033, 024.676, 366, 048. 85

13, 564, 550. 25100, 035, 237.82

19. 535, 588, 00475, 538. 50

41, 499, 757. 3270,561,233.0028, 915,000. 0017,175, 435.13

1,800,592,002.25

APRIL 4.

2,048 banks.

$814, 653,422. 69348,487, 700. 00309, 348, 450. 00

54, 601, 750. 0036, 747,129. 4074, 003, 830.4039,143, 388. 9010, 535, 252. 9947,461,614.546, 693, 668. 436, 609, 390. 80

10,011,294.6463, 712, 445. 5517, 068, 505. 00

467,177.4741,148, 563.4164,461,231.0021, 885, 000. 0017, 029,121.31

1,984,068,936.53

JUNE 14.

2,048 banks.

$835, 875, 012. 36352, 208, 000. 00257, 038, 200. 0062,180, 300.0037, 617, 015.1393,443,463.9548,192, 531.9311, 258, 520.4547,796,108.26

6, 913, 430. 465, 674,497. 80

10, 209, 982. 4383,152, 359. 4916, 685, 484. 00

446, 217.2642, 333, 287.4467, 059,152. 0025,180,000.0016, 620, 986.20

2,019,884,549.16

OCTOBER 2.

2,048 banks .

$878, 503,097.45357, 313, 300.00

18, 204, 650. 0052, 942.100. 0039, 671, 916. 50

107, 023, 546. 8146, 692, 994. 7813, 630, 772. 6347, 817,169.366, 111, 256. 564, 332, 419.63

11,306,132.4812. 964, 964. 2516, 707, 550. 00

396, 065. 0642,173, 731. 2369,196, 696.0026, 770, 000.0017, 029, 065.45

1,868,787,428.19

DECEMBER 12.

2,052 banks .

$933, 543, 661. 93364, 272, 700. 00

14, 788, 800. 0040, 677, 500. 0038, 836,369. 80

102, 742,452. 5455, 352, 459. 8214, 425, 072.0047,992, 332. 997, 474, 082.104,150,836.17

10,377,272.77112,172, 677.9516, 406, 218. 00

374, 227. 0279, 013, 041. 5954,715,096.0010, 860, 000.0017, 054,816. 40

1,925,229,617.08

1880.

Loans and discounts.Bonds for circulationBonds for deposits ..TJ. S. bonds on hand.Other stocks and b'dsDue from res've agt'sDue from nat'l banksDue from State banksReal estate, etcCurrent expenses . . .Premiums paidCash itemsDlear'g-house exch'gsBills of other banks .Fractional currency.

Legal-tender notes ..TJ. S. cert'fs of depositDuefromU.S. Treas.

Total

FEBRUARY 21.

2,061 banks.

$974, 295, 360.70361,901,700.0014, 917, 000. 0036, 798. 600.0041,223, 583. 33

117, 791, 386. 8153, 230, 034.0314, 501,152. 5147, 845, 915. 776, 404, 743. 543, 908, 059. 27

10, 320, 274. 51166, 736, 402 6415, 369, 257. 00

397,187.2389,442,051.7555, 229,408. 0010, 760, 000. 0016, 994, 381. 37

2,038,066,498.46

APRIL 23.

2,075 banks.

$992, 970, 823.10361, 274, 650.00

14, 722, 000. 0029, 509, 000.0042,494, 927. 73

103,964,229.8454, 493, 465. 0913, 293, 775. 9447, 808, 207. 09

7, 007, 404.193,791,703.339, 857, 645. 34

99, 357, 056.4121, 064, 504. 00

395, 747.6786, 429, 732. 2161, 048, 941. 007, 890, 000. 00

17,226,060.01

1,974,600,472.95

JUNE 11.

2,076 banks.

$994,712,646.41359, 512. 050. 00

14, 727, 000. 0028, 605, 800. 0044, 947, 345. 75

115, 935, 668. 2756, 578,444.6913,861,582.7747, 979, 244. 536, 778. 829.193,702,354.609,980,179. 32

122, 390, 409. 4521, 908,193. 00

387, 226.1399, 506, 505. 2664, 470, 717. 0012,510,000.0016, 999, 083.78

2,035,493,280.15

OCTOBER 1.

2,090 banks.

$1,040,977,267.53357,789,350.00

14,827,000.0028,793,400.0048,863,150.22

134,562,778.7063,023,796.8415,881,197.7448,045,832.546,386,182.013,488,470.11

12,729,002.19121,095,249.7218,210,943.00

367,171.73109,346,509.4956,640,458.007,655,000.00

17,103,866.00

2,105,786,625.82

DECEMBER 31.

2,095 banks.

$1,071,356,141.79358,042,550. 00

14,726,500.0025,016,400.0048,628,372.77

126,155,014.4069,079,326.1517,111,241.0347,784,461.47

4,442,440 023,288,602.63

14,713,929.02229,733,904.5921,549,367.00

389,921.75107,172,900.9259,216,934.006,150,000.00

17,125,822.37


1892

REPORT OF THE COMPTROLLER OF THK CURRENCY. 337

BANKS FROM OCTOBER, 1863, TO OCTOBER, 1892—CODtinued.

1 § 7 8 .

Liabilities.

Capital stock


Nat'l bank circulati'nState bank circulat'n

Dividends unpaid—

Individual deposits..U. S. depositsDep's U.S. dis.officers


Notes re-discounted .Bills pay able

Total

MARCH 15.

2,063 b a n k s .

$473, 952, 541. 00

120, 870, 290.1045, 040, 851, 85

300, 926, 284. 00439, 389. 00

1, 207, 472. 68

602, 882, 585.177,243, 253.293, 004., 064. 90

123, 239, 448. 5043, 979, 239, 39

2, 465, 390. 794,215, 196.23

1,729,465,956.90

MAY 1.

2,059 b a n k s .

$471, 971, 627.00

119, 231,126.1343, 938, 961. 98

301, 884, 704. 00426, 504. 00

1, 930, 669.58

625,479, 771.1213, 811, 474.142, 392, 281.61

109, 720, 396. 7044, 006, 551, 05

2, 834, 012. 004, 270, 879.74

1,741,898,959.05

JUNE 29.

2,056 b a n k s .

$470, 393, 366. 00

118,178, 530.7540, 482, 522. 64

299, 621, 059. 00417, 808. 00

5, 466, 350. 52

621, 632,160. 0622,686,619.67

2, 903, 531.99

117, 845,495. 8843, 360, 527.86

2, 453, 839.775, 022, 894. 37

1,750,464,706. 51

OCTOBER 1.

2,053 b a n k s .

$466,147,436. 00

116,897,779.9840, 936, 213. 58

301, 888, 092. 00413, 913. 00

3,118, 389.91

620,236,176.8241,654,812.08

3, 342, 794. 73

122,^96,513.9242, 636, 703.42

3, 007, 324, 854, 502, 982.92

1,767,279,133.21

DECEMBER 6.

2,055 b a n k s .

$464, 874,996.00

116, 402,118. 8444, 040,171. 84

303, 324. 733. 00400,715.00

1, 473, 784. 86

598, 805, 775.5640, 269, 825. 72

3,451, 436. 56

120,261,771.5441,707,755.07

3, 228,132. 934,525,617.45

1,742, 826, 837. 37

I 879.

Surplus fundUndivided profits —

Nat'l bank circulat'nState bank circulat'n

Dividends unpaid

Individual deposits..U. S. depositsDep's U. S. dis.officers


Notes re-discounted .Bills payable

Total.,

JANUARY 1.

2,051 b a n k s .

$462, 031, 396.00

116,200,863.5236,836. 269. 21

303, 506, 470.00388, 368. 00

5,816,348.82

643,337, 745.2659, 701, 222. 90

3, 556, 801. 25

118,311,635.6044, 035, 787! 56

2, 926, 434. 953, 942, 659.18

1,800,592,002.25

ArRlL 4.

2,048 b a n k s .

$455, 611, 362.00

114, 823, 316. 4940,812,777.59

304, 467,139. 00352.452. 00

2,158, 516.79

598, 822, 694.02303,463. 505. 69

2, 689,189. 44

110, 481,176. 9843, 709, 770.14

2, 224, 491. 914, 452, 544.48

1,984,068,936.53

JUNE 14.

2,048 banks .

$455, 244,. 415.00

114,321,375.8745, 802, 845. 82

307, 328, 695. 00339, 927. 00

1, 309, 059.13

648,934,141.42248,421,340.25

3, 682, 320. 67

137, 360, 091. 6050, 403, 064. 54

2, 226, 396.394, 510, 876. 47

2,019,884,549.16

OCTOBER 2.

2,018 b a n k s .

$454, 067, 365.00

114,786,528.1041, 300, 941. 40

313, 786, 342.00325, 954. 00

2, 658, 337.46

719, 737, 568. 8911,018,862.74

3,469, 600. 02

149, 200, 257.1652, 022,453. 99

2, 205, 015. 544, 208, 201. 89

1,868,787,428.19

DECEMBER 12.

2,052 b a n k s .

$454,498,515.00

115,429,031.9347, 573, 820.75

321, 949,154. 00322, 502. 00

1, 305, 480. 45

755, 459, 966.016, 923,323. 973, 893, 217. 43

152,484,079.4459,232, 391. 93

2,116,484.474, 0U, 649.70

1,925,229,617.08

1880.

Capital stock

Surplus fundUndivided profitsNat'l bank circulat'nState bank circulat'n

Dividends unpaid . . .

Individual deposits..17. S. depositsDep's U. S.dis. officers

Due to national banksDue to State banks..


Total

9647

FEBRUARY 21.

2,061 b a n k s .

$454, 548, 585. 00

117, 044, 043.0342,863, 804. 95

320, 303, 874. 00303, 452.00

1, 365, 001.91

848,926, 599. 867, 856, 791. 973,069, 880.74

170, 245, 061. 0865, 439, 334. 51

1, 918,788. 884,181, 280. 53

,038,006,498. 46

APRIL 23.

2,075 b a n k s .

$456, 097, 935.00

117,299,350.0948, 226, 087. 61

320, 759, 472.00299, 790. 00

1, 542, 447. 98

791,555,059.637, 925, 988. 373, 220, 606. 64

157, 209, 759.1463, 317,107. 96

2, 616, 900. 554, 529, 967. 98

1,974,600,472.95

JUNE 11.

2,076 b a n k s .

$455, 909, 565. 00

118,102, 014.1150,443, 635,45

318, 088, 562. 00290, 738. 00

1, 330,179. 8 J

833, 701, 034. 207, 680, 905. 473, 026, 757.34

171,462,131.2367, 938, 795.35

2, 258, 544.725, 260, 417.43

2,035,493,280.15

OCTOBER 1.

2,090 banks .

$457, 553, 985. 00

120,518,583.4346,139, GOO. 24

317, 350, 036. 00271, 045. 00

3, 452, 504.17

873,537,637.077, 548, 538. 673, 344, 38G. 62

192,124, 705.1075, 735, 677. 06

3,178, 232. 505, 031, 004. 96

2,105,786,025.82

DECEMBER 31.

2,095 b a n k s .

$458, 540, 085. 00

121, 824, 629. 0347, 946, 741.64

317,484,490.00258, 499. 00

6,198, 238. 38

1, 006, 452, 852. 827, 898,100. 943, 489, 501. 01

192, 413, 295.7871,185, 817. 08

3, 354, 697.184, 636. 876. 05

2,241,68:1,820.91

•22Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

1892

338 REPORT OF THE COMPTROLLER OF THE CURRENCY.


! § § 1 .

Resources.

Loans and di scounts.Bonds for circulationBonds for deposits . .U. S. bonds on hand .Oth<M stocksfcndb'dsDue from res'vo ag' tsDuo from nat'l banksDue from State banksKeal estate, etcCui rent expensesPremiums paidCash itemsClear'g-houscexeh'gsBills of other banks .Fract ional currency.SpecieLegal-tender notes . .U. S. cert 's of depositDue from U. S. Treas .

MARCH 11.

2,094 banks.

$1,073,786,749. 70 $1339,811,050.0014,851,500.0046,626,150.0049.515,154.92

120,820,691.0962,295,517.3417,032,261.6447,525,790.027,810,930.833,530,516.71

10,144,682.87147,761,543. 9617,733,032.00

386,569.63105,156,195.2452,156,439.006,120.000. 00

17,015,269.83

MAY 6,

2,102 banks.

,093,649,382.18$!352,653,500.0015,240,000. 0044,116.500.0052,908.123.98

128,017,627. 0363,176,225. 6716,938,734.5647,791,348. 366,006,109.784,024,763.60

11,826,603.16190,633,558.01

25,120,933.00386,950. 21

122,628,502.0862,510,296.00

8,0-1.3,000. 0018,456,600.14

JUNE 30.

2,115 banks.

,144,988,949.45$!358,287,500.0015,265,000. 0048,584,950. 0058,049,202. 63

156,258,637.0575,703,599.7818,850,775.3447,834,060.204,235,911.194,115,980.01

13,534,227.31143,960,236. 8421,631,932.00

372,140.23128,638,927.5058,728,713. 009,540,000.00

17,251,868.22

Total 2,140,110,944.78 2,270,226,817.76 2,325,832,700.75 2,358,387,391.59 2,381,890,866.85

OCTOBER 1.

2,132 banks.

09 $1,173,796,083.363,385,500.00

15,540,000.0040,866,750. 0061,952,402.95

132,968,183.1278,505,440.1719,306,826.0247,329,111. re6,731,936. 484,138,485. 71

14,831,879.30189,222,255. 9517,732,712.00

373,945.96114,334,736.1253,158:441.006,740,000. 00

17,472,595.96

DECEMBER 31.

2,164 banks.

1,169,177,557.16368,735,700.00

15,715,000.0031,884,000.0062,603,218.93

123,530,465. 7577,633,902.7717,644,704.6247,445,050.464,647,101.043,891,728.72

17,337,964. 78217,214,627.1024,190,534.00

366,361.52113,680,639.6060,104,387.007,930,000.00

18,097,923.40

I 8 8 2 .MARCH 11.

2.187 banks.

MAY 19.

2,224 banks.

JULY 1.

2,239 banks.

OCTOBER 3.

2,269 banks.

DECEMBER 30.

2,308 banks.

Loans and discountsBonds for circulationBonds for deposits . .TJ. S. bonds on hand . .Other stocks and b'dsDue from res'vo agt 'sDue from nat ' l banksDue from State banksKeal estate, etcCurrent expenses . . .Premiums paidCash itemsClear' g-house exch'gsBills of other banks .Fractional currency.SpecieLegal-tender n o t e s . .U.S. cert 's of deposit.Due from U. S. Treas .

$1,182,661,609.53$!367,333,700.0016,093,000.0028,523,450.0064,430,086.18

117,452,719.7568,301,645.1215,921,432. 0747,073,247.458,494,030.213,762,382.59

13,308,120. 70162,088,077. 94

19,440,089.00389,508. 07

109,984,111.0450,633,57 >. 00

9,445 000. 0017,720,701.07

,189,094,830.360,153,800.00

15,920,000.0029,662,700.0065,274,999.32

121,189,045.2300,883,512.7510,890,174.9246,950,574.286,774,571.865,062,314. 52

12.295,250.96107,270,091.7125,220,186.00

390,236. 36112,415,806.7305,969,522.0010,395,000. 0017,099,385.14

35 $1,208,932,655.92 $1,243,203,210.355,789,550.0015,920.000. 0027,242,550. 0066,691,399. 56

118,455,012.3875,366,970. 7416,344,688.0646,425,351. 403,030,464.695,494,224. 35

20,166,927.35159,114,220.0821,405,758.00

373,725.8-3111,694,202.5464,019,518.0011,045,000.0016,830,407.40

357,631,750.0016,111,000.0021,314,750. 0066,168,916.64

113,277,227.8768,516,841.0617,105,408.4446,537,066.417,238,270.176,515,155.03

14,784,025. 21208,366,540.0820,689,425.00

396,367. 04102.857,778.2763,313,517.008,645,000. 00

17,101,367.94

08 $1,230,456,213.97357,047.650.00

16,344,000.0015,492,150.0066,998,620. 30

122,066,106. 7576,073,227.7618,405,748.4946,993,408.415,130,505. 536,472,585.82

16,281,315.67155,951,194.8125,344,775.00

401,314.70106.427,159.4068,478,421.008,475,000.00

17,954,009.42

Total 2,309,057,088.72 2,277,924,911.13 2,344,342,686.90 2,399,833,676.84 2,360,793,467.

1 § 8 3 .

Loans and discounts.Bonds for circulationBonds for deposits . .U. S. bonds on hand .Other stocks and b \ l sDue from res'vo ag ' tsDue from nat ' l banksDuo from State banksReal estate, etcCurrent expenses . . .Premiums paidCash itemsClear'g-houseexch'gsBills of other banks .Fractional currency.SpecieLegal-tender notesU.S. cert 's of deposit.D lie from U. S. Treas .

MARCH 13.

2,343 banks.

$1,249,114,879.354,740,500. 00

16,799,000.0017,850,100.0008,428,085. 67

121,024.151. 6067,203,503.8016.91)3,341.7247,063,305.688,949,015.287,420,939.84

] 1,300,731. 07107,790,0t55.1719,730,526.00

431,931.1597,962,3(56.3460,848.008.008,405,000. 00

16,726,451.30

MAY 1.

2,375 banks.

43 $1,202,339,981.354,480,250.0016,949,000.0015,870,600. 0068,340,590.70

109,306,823.2368,477,918.0219,382,129.3347,155,909. 807,754,958.867,798,445.04

15,4Gl,050. 16145,990,908.1822,655,833.00

446,318.94103, GO 7,266. 3208,250,468.008,420,000.00

17,497,694. 31

JUNE 22.

2,417 banks.

87 $1,285,591,354,002,900. 00

17,110,000.0016,978,150.0068,5,32,073. 03

126,646,954. 6266,164,038.2119,451,498.1647,502,163.528.829,278.268,079,726.01

11,109,701.1890,702,075.0826,279,856.00

450,447.36115,354,394.6273,832,458.0010,085,000.0017,407,900.20

902.19 $1,309,244,781. 64 $1

OCTOBER 2. DECEMBER 31.

2,501 banks .

351,412,850. 0017,081,000.0013,593,050.0071,114,031.11

124,918,728. 7165,714,229.4418,266,275.0548,337,665.026,808,327.308,064,073.60

13,581,049.9496,353,211.7622,675,447. 00

443,951.12107,817,983. 5370,672,997. 009,970,000.00

16,586,712.60

Total 2,298,918,165.11 2,360,192,235.85 2,364,833,122.44 2,372,656,364.82 2,445,880,917.49

2,529 banks .

1,307,491,250.34345,595,800.00

16,846,000.0013,151,250.0071,609,421.62

126,999,600, 9277,902,785.0719,402,047.1249,540,760.354,878,318.448,647,252.98

17,491,804.43134,545,273. 9828,809,699.00

427,754.35114,276,158.0480,559,796.0010,840,000.0016,865.938. 85


1892

REPORT OF THE COMPTROLLER OF THE CURRENCY. 339

BANKS FROM OCTOBER, 1863, TO OCTOBER, 1892—Continued.

188 1.

Liabilities.

Capital stock .

Surplus fundUndivided profits...Nat'l bank circulationState bank circulat'n

Dividends unpaid

Individual deposits..U. S. depositsDep'sTJ. S.dis. officers


Notes re-discounted.Bills payable

Total.

MARCH 11.

2,094 banks.

$458, 254, 935. 00

122,470, 996.7354, 072, 225.49

298, 590, 802. 00252, 765. 00

1, 402,118.43

933, 392, 430. 75 17,381,149.253, 839, 324. 77

181,677,285.3771,579,477.47

2, 616,203.054, 581, 231. 47

!, 140,110, 944.78

MAY 6.

2,102 banks.

$459, 039,205.00

124,405, 926.9154, 906, 090.47

309, 737,193. 00252, 647. 00

2, 617,134.37

101[, 027, 040, 514.9, 504,081. 253, 371,512.48

191,250,091.9080, 700. 506. 06

2, 908, 370.454, 493, 544.77

2,270,226,817.76

JUNE 30.

2,115 banks.

$460,227, 835. 00

126, 679, 517.9754, 684,137.16

312, 223, 352. 00242, 967. 00

5, 871, 595. 59

223, 503, 034.1991, 035, 599. 65

2, 220, 053. 025,169,128. 57

OCTOBER 1.

2.132 banks.

$463, 821, 985. 00

128,140, 617.7556, 372,190.92

320, 200,069.00244,399. 00

3, 836, 445.84

, 031, 731, 043. 42 I, 070, 997,431. 71 1,102, 679,163.718,971,826.73 8,476,689.74 8,796,678.733, 272, 610.45 3, 631, 803.41 3, 595, 726. 83

205, 862, 945. 8089, 047, 471.00

3,091,165.304, 664, 077.12

DECEMBER 31.

?, 164 banks.

$465,859,835.00

129, 867,493.9254, 221, 816.10

325,018,161.00241,701. 00

6, 372, 737.13

197, 252, 326. 0179,380,429.38

4,122,472. 794,482,325.25

2,325,832, 700.75 2,358,387,391.59 2, 381,890,866.85

1 8 8 2 .MARCH 11.

2,187 banks.

MAY 19.

2,224 banks.

JULY 1.

2,239 banks.

OCTOBER 3.

2,269 banks.

DECEMBER 30.

2,308 banks.

Capital stock


Nat ' l bank circulationState bank circulat'n

Dividends unpaid

Individual deposits . .TJ. S. depositsDep 'sU. S.dis. officers

Due to national banksDue to State banks . .


$469, 390, 232. 00

130,924,139.6660,475, 764. 98

323, 651, 577. 00241,527.00

1,418,119,12

$473, 819,124. 00

129, 233,358. 2462, 345,199.19

315, 671, 236. 00241, 319. 00

1,950, 554.88

$477,184,390.00

131,079,251.1652,128,817. 73

308,921, 898. 00235,173.00

6, 634, 372.20

., 066,707, 248.75 19, 817, 224. 442, 867, 385.63

194,868,025.4684, 066, 023.66

4,195, 210.995,637, 665. 88

Total.

1, 036, 595, 098. 20 1, 001, 687, 693. 74 18,853,242.16 9,741,133.363,372, 363.96 3,493, 252.88

187, 433,824.90 192, 007, 865.2678, 359, 675. 85 78, 911, 787.20

3, 912, 992. 38 3, 754, 044. 384,428, 531. 51 5, 008, 343. 00

2, 309, 057, 088.72 2,277, 924, 911.13 2, 344,342,686.90 2, 399,833, 676.84 2,360,793,467. 09

$483,104,213.00

131,977,450.7761,180, 310.53

314, 721,215.00221,177.00

3,153,836.30

,122,472, 682.46 1,8.817,411.213,627,846.72

180, 075, 749. 7779, 885, 652.22

5,747, 614. 684,848,517.18

$484,883,492.00

135, 930,969.3155, 343, 816. 94

315, 230, 925. 00207, 273.00

6, 805,057. 82

,066,901,719.859, 622, 303. 503,786,262.20

194,491, 260.6077,031,165.82

6,703,164. 453, 856,056. 54

1 8 8 3 .MARCH 13.

2,343 banks.

MAYl.

2,375 banks.

JUNE 22.

2,417 banks.

OCTOBER 2.

2,501 banks.

DECEMBER 31.

2,529 banks.

Capital stock.


Nat ' l bank circulationState bank circulat'n

Dividends unpaid

Individual depos i t s . .U. S. depositsDep's U. S.dis. officers

Due to national banksDue to State b a n k s . .


$490,456,932.00

136, 922,884.4459, 340,913.64

312,778, 053. 00206, 779. 00

1,389,092.96

$493, 963, 069.00

137, 775,004.3960, 739, 878. 85

313, 549, 993.00198,162.00

2, 849,629.87

$500, 298, 312. 00

138, 331, 902. 0668, 354,157.15

311, 963, 302. 00189,

1,454,

253.00

232.01

$509,699,787.00

141,991,789.1861,560,652.04

310, 517,857.00184,357.00

3,229,226.31

$511,837, 575.00

144,800,252.1358, 787, 945. 91

304,944,131. 00181,121.00

7,082, 682.28

1,004, 111, 400. 55 1, 067, 962, 238. 35 1, 043,137, 763.111, 049,437,700. 571,106, 453, 008.239, 613, 873. 33 11, 624, 894. 57 10,130,757. 88 10,183,196 95 10, 026, 777. 793,787,225.31 3,618,114.79 3,743,326.56 3,980,259.28 3,768,862.04

191, 296, 859.1480, 251,968. 26

5,101,458. 693,660, 724. 79

180,445, 876.9278, 544,128.82

5, 557,183.3, 364, 061.60

194,150,84, 744,

5,197,3,137,

676.43666. 35

514.12259.77

!, 828, 676.27!, 602, 073. 01

', 387, 537.40, 053, 252.81

200,867, 280.0684,776,421.60

8,248,562. C74, 106, 297. 78

Total. 2, 298, 918,165.11 2, 360,192, 235.85J2, 364, 833.122.44!2, 372, 656, 364. 82 2,445,880, 917.49Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

1892



1884 .

Resources.

Loans and discountsBonds for circulationBonds for deposits . .U. S. bonds on hand. .Other stocks and b'dsDue from res've ag'tDue from nat ' l banksDue fiom State banksReal estate, etcCurrent expensesPremiums paidCash itemsCl'g-house loan cert'sClear'g-bouse exc'gs.Bills of other banks .Fractional currency.SpecieLegal-tender notes . .U. S. cert's of depositDue from U. S.Treas.

Total

MARCH 7.

2,563 banks.

$1,321,548,289. 62 $1339,816,150.00

16, 850, 000". 0018, 672, 250. 0073,155,984.60

138, 705, 012.7464, 638, 322. 5817, 937, 976. 3549,418,805.02

7, 813. 880. 569, 742, 601.42

11, 383, 792. 57

68, 403, 373. 3023, 485,124. 00

491, 067. 76122, 080, 127. 3375,817,093.0014. 045, 000. GO!16,465,785 " '

APRIL 24.

2,589 banks.

54 $1,333,433,230.337, 342, 900. 0017,135, 000. 0015, 560, 400. 0073, 424, 815. 97

122,491,957.9868,031,209.9018,145, 827. 6149, 667,126. 87

8, 054, 296. 829, 826, 386.

11,237,975.71

83,531,472.5826, 525,120.00

489, 802. 51114,744,707.0977,712,628.0011,990,000.0017,408,976.58

JUNE 20. SEPTEMBER 30.

2,625 banks

1,269,862,935.334, 346, 350. 00

17,060, 000. 0014,143, 000. 0072,572, 306. 9395, 247,152. 6264, 891, 670.1316, 306, 500. 9150,149, 083. 90

8, 8G6, 558. 0910, 605, 343.4911, 382, 292. 6910, 335, 000.0069, 498, 913.1323, 386, 695. 00

473, 046. 66109, 661, 682 1176,917.212.00

9, 870, 0.0. 0017,022,099.554

96 $1,245,294.093.37

2,664 banks.

327, 435, 000. 0016, 840, 000. 0013, 579, 600. 0071, 363, 477. 46

111,993,019.6566, 335, 544. 5715,833,982.9849, 900, 886. 916.913, 508. 85

11,632, 631.6813,103, 098. 55

1, 690, 000. 0066, 257,118.1523, 258, 854. 00

469,023. 89128, 609, 474. 7377, 044, 659. 0014, 2U0, OiO.OOj17, 739, 906. 28!

DECEMBER 30.

2,664 b a n k s .

$1,234,202,226.44317, 586, 050. 00

16, 740, 000. 0012,305,900.0073, 449, 352.07

121,161, 976.8069, 459, 884.4518, 329, 912.0149, 889, 936.06

9, 670, 996.1411,923,447.1511,924,152.89

1, 870, 000. 0070, 195, 955. 9522, 377, 965. 00

456, 778.26139, 747, 079. 53

76, 369, 555.0019,040,000.0015,442,306.52

(0, 500, 638. 51|2, 396, 813,834. 92,2, 282, 598, 743. 96 2, 279, 493, 880. 07J2, 297,143,474. 27

1§§5.

MARCH 10.

2,671 banks.

MAT 6.

2,678 banks.

JULY 1.

2,689 banks.


2,714 banks. 2,732 banks.

Loans and discounts.Bonds for circulationBonds for deposits . .TJ. S. bonds on hand . .Other stocks and b'dsDue from res've ag'tsDue from nat ' l banksDue from State banksReal estate, etcCurrent expensesPremiums paidCaah itemsCl'g-house loan cett 'sClear'g-house exc'gs.Bills of ot her banks. .Fractional currency.Trade dollarsSpecieLe.ual-ten'ler notes . .U. S. cort's of depositD u e fro m U.S. T reas.

$1,232,327,453.69 $1313,106,200.0016,815,000.0014, G07, 650. 0075,152,919.35

136, 462, 273. 2666, 442, 054.8717, 572, 822.6549, 699, 501.42

7, 877, 320. 2712, 330, 437.6011,228, 856. 821,530,000.00

59, 085, 781. 9922,013,314.00

519̂ 529. 96

,241,450,649.79$]312,168. 50:). 00

16, 740, 000.0014, 769, 250.0075, 019, 208.99

130, 903,103.7767, 866, 656. 5717, 348, 938.1149, 886, 378. 87

7, 096, 268. 0612, 358, 982. 7011,276, 626. 48

1, 430, 000. 0072, 259,129. 3926,217,171.00

513,200.12

92 $1.257,655,547.310,102,200.00

17, 607, 000. 0014, 588, 800. 0077,249, 159.42

132, 733, 904. 3477, 220, 972.2917,180, 008. 4650, 729,896. 08

3, 533, 759. 4912, 690, 663.4117, 214, 373. 521,380,000.00

113,158, 675.3223, 465, 388. 00

489, 927.18

167,115,873.67 177,433,119.3071,017, 322. 00 77, 336, 099. 0022, 760, (J00. 00l 19. 135, <jO>>. 0015, 079, 935. 8u| 15,473, 270. "

177, 612, 492. 0279, 701, 352. 0022, 920, 000.0014,617,897.02

1,306,143,990.307, 657, 050. 00

17, 457, 000. 0014, 329, 400. 0077, 495, 230. 25

138, 378, 515.1578, 967, 697. 8617, 987, 891. 4451, 293, 801.16

6, 853, 392.^212,511,333.4114, 347, 579. 531,110, 000. 00

84, 926, 730. 7623,062, 765. 00

477, 055.171, 605, 763.69

174, 872,572.5469,738,119.0018, 800,000. 0014, 897,114 24

46*1,343,517,559.96"" 304,776,750.00

18, 012, 000. 0012, 665, 750.0077, 533, 841. 38

139,239, 444. 8079, 452, 309.6718, 553, 946. 4651, 963,062.01

9, 416, 971. 0111, 802,199. 8612, 810,187.64

630, 000.0092, 351, 296. 7723,178,052.00

415, 082.641, 670, 961. 77

165, 354, 352.3767, 585, 466. 0011, 765, 000. 0014,981,021.79

Total 2, 312, 744, 247. 35J2,316, G62, 452. 99!i, 421, 852, 016.47|2, 432,913, 002. 38J2,457, 675, 256.13

1886.

Loans and discounts.Bonds for circulationBonds for deposits .TJ. S. bonds on hand . .Other stocks and b'dsDue from res've ag'tsDue from nat'l banksDue from State banksReal estate, etcCurrent expensesPremiums paidCash itemsCl'g-house loan cert 'sClear'g-honse exc'gs.Bills of other banks .Fractional currency.Trade dollarsSpecieLegal-tender uotes . .TJ. S. cert 's of deposit15% fund with Tit as .DuefromU. S.Treas.

MARCH 1.

2,768 banks.

$1,367,705,252.296, 661,400. 00

18, 637, 000. 0016, 580, 050. 0080, 227, 388. 98

142, 805, 686. 9176, 933, 579. 6718, 834, 235. 8852,262,718.077, 705, 850. 57

12,237,689.1515,135, 538. 48

505, 000. 0099, 923, 656.8420, 503, 303. 00

470,175.181,681,530.65

171, 615, 919. 3967, 014, 886. 0012, 430, 000. 0012, 953, 248. 20

1, 513, 019.67

JUNE 3.

2,809 banks.

1,398,552,099.279, 414,400. 00

18, 810, 000. 0012, 535, 550. 0083,347,119.93

133, 027,136. 5377, 632,198. 4717,720, 924. 2653,117,564 428, 684, 672. 33

13,298, 269.2312,181,455.80

205, 000. 0076,140, 330. 6025,129, S38. 00

452, 361. 341, 713, 384. 35

157, 459, 870.4979, 656, 788. 0011, 850, 000. 0012,198,526.431,416, 892. 00

AUGUST 27.

2,849*banks.

71 $1,421,547,199.270, 315, 850. 00

19, 984, 900.0014, 368,950. 0082, 439, 901. 64

143, 715, 221. 4578,091,411.5818, 387, 215.7653, 834, 583. 58

5, 837,175. 2113,641,463.7210,408, 981. 58

85, 000. 0062, 474, 605. 9021, 602, 661. 00

451,308.891,857,041.56

149, 000, 492.1064, 039, 751. 008,115, 000. 00

11, 868, 912. 521, 599, 303. 36

Total J2,494, 337,129.44 2, 474, 544,481. 89 2,453, 666, 930. 07 2, 513, 854, 751.17 2, 507, 753,912.95



22 $1,450,957,054.93'$1258,498,950.0020,105, 900. 0012, 326, 5U0. 0081,825,266.40

140, 764, 579. 0180, 526, 615. 7720,140,256. 2754, 090, 070. 947,438, 741.12

14, 303, 529. 5513,277,169. 64

95,536,941.1522, 734, 085. 00

434, 220. 931, 889, 794. 55

156, 387, 696. 0062,812,322.005, 855, 000. 00

11,358,014.972,592,042.91

,470,157,681.13228, 384, 350.0021,040,900.0010, 576, 200. 0081, 431, 000. 66142,117,979.2888, 271, 697. 9621, 465,427.0854, 763, 530.3710, 283, 007.7915,160, 621.6713, 218,973.44

70, 525,126. 9226,132, 330.00

447, 833.091,827, 364. 20

166, 983, 556.0167, 739, 828.006, 195,000.0010, 056, 128. 89

975, 376.98


1892

REPORT OF THE COMPTROLLER OF THE CURRENCY. 3 4 1

BANKS FROM OCTOBER, 1863, TO OCTOBER, 1892—Continued.

Liabilities.

Capital stock.

Suiplus fund

Undivided profits

Nat'l bank circulati'nState bank circulati'n

Dividends unpaid

Individual deposits..U. S. depositsDep'sU.S.dis. officers


Notes re-discounted..Bills payable . .Cl'g-liouse loan cert's

Total .

MARCH 7.

2, "63 b a n k s .

$515, 725, 005. 00

145, 741, 679.9063, 641, 861. 56

298, 791, 610. 00180, 589. 00

1,422, 901. 91

APRIL 24.

2,589 b a n k s .

$518, 471, 844. 00

146, 047,958. 0767,450, 459. 00

297, 500, 243. 00180, 576.00

1, 415, 889. 58

1, 046, 050,167. 90 1, 060, 778, 388. 069, 950, 875. 243, 856, 461. 66

207, 461,179. 6388, 466, 363. 89

C, 234, 202. 322, 968, 740. 50

11, 233, 495.773, 588, 980, 50

192, 868. 942. 3186,778, 138.85

7, 299, 284. 583,193, 635.20

JUNE 20.

2,625 b a n k s .

$522,515,996.00

145,763,416.1770, 597, 487. 21

295,175, 334. 00179, 666. 00

1,384,686.71

979, 020, 849 6310, 530, 759. 44

3, 664, 326.13

155, 785, 354. 4470, 480, 617.11

11, 343, 505. 554, 262, 244. 57

11, 895, 000. 00

SEPTEMBEtt 30. I DECEMBER 20.

2,664 b a n k s . 2,664 b a n k s .

$5247089^^65700

146, 867,119. 0670,711,369.95

280,197,043. 00171, 645.00

1, 331,421.54

987, 649, 055. 6810, 655, 803.723, 749, 969. 85

187, 296, 348.3072, 572, 384.43

8, 433, 724. 673,415, 524.07

$524,271,345.00

147, 055, 037. 8163, 234, 237. 62

289,775,123.00179, 653. 00

3, 686,160. 33

975, 243, 795.1410, 367, 909. 92

3, 703, 804. 34

173, 979,149. 8072, 408, 206. 8a

11, 008, 595. 074, 580, 862.15

, 390, 500, 638.51 2, 396, 813, 834. 92

- 1885.

, 282, 598,742. 96J2, 279, 493, 880.07 2, 297,143, 474.27

Capital stock

Surplus fundUndivided profits. - .


Dividends unpaid. - . .

Individua. deposits..U.S. depositsDep's U. S. dis. oflic'rs


Notes re discounted..Bills payable

Total..

MARCH 10. MAY 6

2,671 b a n k s .

$524,255,151.00

145, 907, 800. 0260, 296,452. 56

274, 054,157. 00162, 581. 00

1,301,937.73

99G, 501, 647.40 1, 035, 802,188.56 1,106, 376, 516. 80 1,102, 372, 450. 35 1, 111, 429, 914. 9811, 006, 919. 47

3, 039, 646. 40

205, 877, 203.82,190, 567. 43

6, 299, 722.151, 850, 462.10

2,678 banks .

$525,195, 577^00

145,103,776.0160,184, 358.12

273, 703, 047. 01)144, 498.00

2, 577,236. 08

11, 600, 707. 523, 330, 522. 70

199,081,104.408J, 966, 092. 25

5,736,012.022,167, 333.33

2, 312, 744, 247.35 2, 346, 682, 452. 99

JULY 1.

2,689 b a n k s .

$526,273, 602. 00

146, 523, 799. 9452, 229, 946.61

269,147,690. 00144, 489. 00

6, 414, 263.98

10, 995, 974. 683, 027, 218. 02

203, 932. 800. 0588, 847,454.11

5, 864, 000. 852, 074, 259 ir

2,421, 852, 016. 41;

OCTOBER 1.

2,714 b a n k s .

$527, 524,410.00

146, 624, 642. 0659, 335, 519.11

208, 869, 597. 00136, 898. 00

3, 508, 325. 38

11,552,621.982,714,399.37

213,534, 905. 0886,115,061.25

8, 432, 792. 642,191, 380.16

2, 432, 913, 002. 38

DECEMBER 24.

2,732 b a n k s .

$529, 360, 725. 0

150,155, 549. 5269,229, 645. 82

267,430, 837.00133, 932. 00

1, 360, 977. 27

12, 058, 768.363, 005, 783.11

216, 564, 533.9685, 060,162. 27

9, 932, 828. 241,951,598.60

2, 457, 675, 256 .1 3

1886.

Capital stock

Surplus fund

Undivided profits


Dividends unpaid....

Individual deposits..U. S. deposits , -Dep's U. S. di«. offic'rs



Total.

MARCH 1.

2,768 b a n k s .

$533, 360, 615.00

152, 872, 349. 0159, 376, 381. 80

256, 972,158.00133, 931.00

1, 534, 905. 58

JUNE 3.

2,809 b a n k s .

$539,109, 291. 72

153,642, 934. 8867, 662, 880. 02

244, 893, 007. 00132,470.00

1, 526, 776. 66

AUGUST 27.

2,849 banks .

OCTOBER 7.

$545, 522, 598. 00

157, 003, 875. 6062, 211, 565. 63

238, 273, 685. 00128, 336. 00

1, 863, 303. 62

1,152, 660, 492. 06 1,146, 246, 911.43 1,113, 459,187. 35 1,172, 968, 308.64 1,169, 716, 413.1312,414,566.52 13,670,721.76 14,295,927.74 13,812,023.69 13,705,700.733,019,018.72 2,798,864.55 2,884,865.62 2,721,276.77 4,276,257.85

223, 842,279.4691,254, 533.23

9,159,345.792, 444, 958. 36

2, 507, 753, 912.05

219,778,171.80 204,405,273.11 218,327,437.33 218,395,950.5492,663,570.46 90,591,102.81 90,366,354.90 90,246,483.31

8,376,095.20 8,718,911.71 7,948,698.27 10,594,176.561,174,874.29 1,145,240.26 1,881,095.01 2,067,693.48

494, 337,129. 44J2, 474, 544, 481. 89 2,453, 666, 930. 07 2, 51.3, 864, 751.17

2,852 b a n k s .

$548, 240, 730.00

157,249,190.66, 503, 494. 72

228,672,610.00125,002.00

2,227, 810.59

DECEMBER 28.

2,875 bankfcT

$550, 698, 675.00

159, 573,479.2179, 298, 286.13

202, 078, 287.00115,352. 00

1,590,345.06


1892



1 8 8 7 .

Resources.2, 955 banks.

Loans and discountsBonds for circulationBonds for deposits..U. S. bonds on hand.Other stocks and b'dsDue from resv'e agt'sDue from nat'l banksDue from State banksReal estate, etcCurrent expenses.. -Premiums paidCash itemsClear'gshouse exc'gsBills of other banksFractional currencyTrade dollarsSpecieLegal-tender notes..U. S. cert's of deposit5% fund with TreasDue from U.S.Treas,

2, 909 banks.

$1,515,534,674. 67 $1,560,291,810. 73 $1,560,371

MARCH 4. MAY 13.

211,537,150.0022, 976, 900. 009,721,450.00

87, 441, 034. 86163,161,181.37

86, 460, 829.0921,725,805.9955,128, 600.788,064,292.40

15, 537, 721.2213, 308, 520. 0489, 239,194. 5922,235, 206. 00

577, 878.031,803, 661.40

171, 678, 906.1566,228,158.00

7, 645, 000. 009,280, 755.331,856,195.13

200, 452, 300. 0024, 990, 500.00$, 157, 250.00

88,031,124.15148, 067, 874 43105, 576, 841. 9922,746,190.4355, 729, 098.767,781,151.97

16,806,431.8313, 065, 663.7986, 829, 363 7325,188,137. 00

556,186. 75184, 203.08

167,315,665.6279, 595, 088.00

8, 025, 000. 00«, 810, 585. 351,113,554.81

AUGUST 1.

3, 014 banks.

1,741. 05 $1189, 032, 050. 0026, 402,000. 007, 808, 000.00

88, 374, 837. 99140, 270,155. 75299, 487, 767. 8030, 952,187. 8656, 954, 622. 585,158, 940. 8617,353,130.1716, 914, 070. 02128, 211, 628. 4822, 962, 737. 00

564, 266. 7263, 671. 97

165,104,210.2874, 477, 342.007, 8 L0, 000. 008,341,988.77660, 818.42

Total 2,581,143,115.05 2, 629, 314, 022. 42 2, 637, 276,167.72 2,620,193,475. 59 2, 624,186,330. 55

OCTOBER 5.

3,049 banks.

587,549,133.76|1,583,941189 0*3,100.0027, 757, 000.006, 914, 350. 00

88, 831, 009. 96140, 873, 587. 98

93, 302, 413. 9422,103, 677.1857,968,159.718,253, 890.72

17,288, 771.3514,691, 373. 3888, 775, 457.9921, 937, 884.00

540, 594. 50509.25

165,085, 454. 3873, 751, 255.006,190,000.008. 310, 442.35

985,410.14

DECEMBER 7.

3, 070 banks.

1,484. 96186, 431, 900.0042,203, 000.006, 988,550. 00

90, 775, 413. 31132,959, 765. 34

98, 227, 065.3021, 995, 356. 4158, 825,168.1610,600,817.3518, 797, 205. 7913, 326, 455. 7785, 097, 380.4123, 447, 294.00

554, 906. 55328.09

159,240,643.4875, 361, 975.006,165. 000.008,168,503.201, 068,117.43

t 8 8 8.

Resources.

id discounts $1,584,170,370. iLoans anBonds for circulationBonds for deposits. .U . S . bonds on hand.Other stocks and bd'sDue from res've ag'tsDue from nat ' l banksDuefrom State banksReal estate, etcCurrent expenses . . .Premium s paidCash itemsClear'g-house exc'gsBills of other banks .Fractional currency.Trade dollarsSpecieLegal-tender notes . .U. S. cert 's of deposit5 % fund with Treas.Due from U.S. Treas.

FEBRUARY 14.

3,077 banks.

181, 845,450. 0056, 863, 000. 006,450, 500. 0094,153, 688. 97155, 341, 240.8692, 980, 682. 4821, 880, 069. 6059, 366, 247. 856, 531, 237. 7119, 779, 498. 5612, 255,978. 6973,418, 037. 2923,145, 206. 00

683,148. 93437, 59

173, 830, 614.6282,317,670.0010,120, 000. 007,993,189.221, 240, 035. 56

APRIL 30.

3,098 banks.

$1,606,397,923.95181, 042, 950. 00

56, 643, 000. 007, 639, 350.00

95, 296, 917.07146, 477, 902. 8395,519,102.2622, 709, 703. 0160, 111, 356. 869,843,637.81

19, 501,481. 0614, 644, 675 77

117, 270, 706.8624, 434, 212.00

662, 722. 27351.15

172,074,011.1983, 574, 210. 009, 330, 000.007, 887, 950.361, 361, 033. 74

JUNE 30.


$1,628,124,561.177, 543,900. 0055, 788, 000.00

7, 830,150. 0096,265,812.31

158,133,598.31101, 689, 774. 9022, 714, 258.2761,101, 833.195,685,313.21

18, 903, 434. 5416, 855, 801.1574, 229,763. 6921, 343,405. 00

632, 602. 42371. 76

181,292,276.7081,995,643.0012,315,000.007, 765, 837.161, 236, 675. 66

3,150 banks.

83 $1,684,180,624. 27 $1,676,554,863,

Total 2, 664, 366JJ04.44 2, 732,423,198.19 2, 731, 448,016.16 2, 815, 751, 341.07 2, 777, 575, 799. 00

OCTOBER 4.

-,684,-_.,171, 867, 200. 0054,208,000.00

6, 507, 050. 0099, 752,403.73

170, 458, 593.8399,821,090.5723, 767, 260. 5362,634,791.74

8, 498, 758. 2817, 615, 898. 0215, 071, 024. 30

102, 439, 751. 6721, 600, 818. 00

684, 268.41419. 05

178, 097, 816, 6481, 099, 461. 00

8. 955, 000. 007, 555,401. 72

935, 799. 31

DECEMBER 12.

. . , 3.67162, 820, 650. 0048, 949, 000. 006, 374, 400. 00

102, 276, 898.17156, 587, 199. 27107,175, 402. 5924, 217,165. 5163, 436, 066. 7411,342,192.4516,681,256.5614,140, 858.1291, 765, 292. 9921, 728,238.00

628, 387.42763. 56

172, 734, 278. 5082, 555, 060.009, 220, 000.007,141,434.411, 246, 391. 04

18 89.

Resources.FEBRUARY 26.

3,170 banks.

MAY 13.

3,206 banks.

JULY 12.

3,239 banks.

SEPTEMBER 30. DECEMBER 11


Loans and discounts.Bonds f i r circulationBonds for deposit . . .U. S. bonds on hand . .Other stocks and b'dsDue from res ve ag'tsDue from nat ' l banksDae from State banksReal estate, etcCurrent expenses . . .Premiums paidCash itemsClear'g-house exc'gsBills of other banks .Fractional currency.SpecieLegal-tender notes . .U. S. cert'b of deposit5 % fund with Treas .Due from U. S. Treas .

$1,704,067,489.156, 728, 200.00

46, 384, 000 006, 395, 000.00

102, 215, 066. 01192, 702,196.35101, 327, 319.18

24, 651, 712.3366, 248,183.937,418,190.08

16, 729, 244. 8812, 676, 652.1184, 111, 547. 6322,411, 826. 00

717, 823. 63182,284, 803. 00

88, 624, 8(XT. 0013, 785, 000.006, 860, 148. 441,066,950.07

67 $11,739,651,934.149, 520, 850. 0044, 882, 000.00

6, 690, 800. 00103, 030, 575. 31187,372,295.47107, 091, 577.4426, 924, 218.2466, 855, 303.688, 984, 846.65

17,~<)58, 275. 4415,049,325.16

101,452,588.5425, 722, 720.00

698, 369.91185,176,450.86

97, 838, 385. 0013, 355, 000.00

6, 565, 205. 971, 001, 795.11

1,779,054,527.147, 502, 200. 0044. 832, 000. 006, 810,100.00

106, 712,474. 80192,590,073.67108, 999, 878. 96

25, 956, 516. 9867, 377,183.12

3, 760, 961.1717,120, 726. 3114, 350, 765.37

101, 552, 062. 6724,761,487.00

719,273,63175, 903, 868.9897, 456, 832.0014,890, 000.006, 457, 820. 661,161, 617. 26

66 $1,817,257,703.' 146, 471, 700. 00

44, 063,000. 004, 438, 200. 00

109,313, 635. 01189,136, 281.01117, 869, 749. 372S, 417, 511. 2669, 377,173.73

8, 525, 924, 8416, 613, 917.9317,059, 786. 57

136, 783,162. 2620, 875, 528. 00

682, 034. 93164, 326, 448.84

86, 752, 093. 0012, 945, 000.006,405,058.18

976, 737.81

17 $1,811,686,891.57"" 143, 434, 700. 00

41,681,000.003, 740, 350.00

111, 344, 480.32164,889, 765.16118, 206,354. 9128,143, 681.3370, 694,191. 3711, 902, 368.2215, 847, 602.8515,134,700.19

103,719,453.4320, 388, 807. 00

720, 462. 37171,089,458.10

84, 490, 894. 009,045, 000. 006, 276,659.401,239,867.01

Total 2,837,406, 213.9312, 904, 922,517 45 2, 937, 976, 370.24 2, 998,290, 645. 91 2, 933, 676, 687. 23Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

1892

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