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Bankers and Trust Section, Vol. 81, No. 2104

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Bankers and Trust Section, Vol. 81, No. 2104 tttannal SECTION. CONTAINING REPORT OF THE CONVENTION OF AMERICAN BANKERS' ASSOCIATION Held at WASHINGTON, OCT. JO, tt, 12 and 13, 1905 INDEX TO THIS SECTION: Page. Page. EDITORIAL ARTICLES- BANKING SECTION- CONVENTION AND CURRENCY - - 73 PROTECTIVE COMMITTEE - - - 104 THE CONVENTION'S WORK - - 74 COMMITTEE ON UNIFORM LAWS 105 THE TRUST COMPANY SECTION - 76 REPORT EXECUTIVE COUNCIL - 106 THE SAVINGS BANK SECTION - 77 COMMITTEE ON EDUCATION - - 112 BANKING SECTION- REPORT CURRENCY COMMITTEE 116 TRADE EXPANSION—SHAW - - 81 REPORT ON CIPHER CODE - - - 117 BANK EXAMINATION—RIDGELY - 84 AUDITING COMMITTEE REPORT - 123 SCOTCH BANKING—BLYTH - - - 87 TRUST COMPANY SECTION- OUR COMMERCE—GOULDER - - 90 TRUST COMPANY GROWTH - - - 127 THE SITUATION—VANDERLIP - - 94 BANKING PUBLICITY 129 MEMBERSHIP BENEFITS—HILL - 97 REAL ESTATE DEPARTMENT - - 130 DETAILED PROCEEDINGS - - - 99 DETAILED PROCEEDINGS - - - 133 ADDRESSES OF WELCOME - - - 99 SAVINGS BANK SECTION- PREST. SWINNEY'S ADDRESS - - 101 OHIO BANK LEGISLATION - - - 142 IN - - - 145 REPORT OF SECRETARY - - - 103 ACCOUNTS TWO NAMES DETAILED PROCEEDINGS - - - 148 REPORT OF TREASURER - - - - 104 For Index to Advertisements, see pages 79 and 80 Octolber 217 ISO©. CSEMESa WILLIAM B. DANA COMPANY, PUBLISHERS. PINE STREET, corner PEARL STREET, NEW YORK. Entered according to Act of Congress in year 1905, by William B. Dana Company, in office of Librarian of Congress, Washington, D. C. Chartered 1836 GIRARD TRUST COMPANY PHILADELPHIA, PA. CAPITAL, $2,500,000 SURPLUS, $7,500,000 Acts as Trustee of Corporation Mortgages, Acts as Executor, Administrator, Trustee, Registrar and Transfer Agent. Assignee and Receiver. Assumes Entire Charge of Real Estate. Depositary under Plans of Reorganization. Interest Allowed on Individual and Corpo- Financial Agent for Individuals or ration Accounts. Corporations. Safes to Rent in Burglar-Proof Vaults. OFFICERS. EFFINGHAM B, MORRIS, President. WM. NEWBOLD ELY, First Vice-President. ALBERT ATLEE JACKSON, Second Vice- President. CHARLES JAMES RHOADS, Third Vice-Prest. and Treas. EDW. SYDENHAM PAGE, Secretary. GEORGE H. STUART 3D, Asst. Treas. SAMUEL W. MORRIS, Asst. Secy. MINTURN T. WRIGHT, Real Estate Officer. J. SNOWDON RHOADS, Trust Officer. GEORGE TUCKER BISPHAM, Solicitor. MANAGERS. EFFINGHAM B. MORRIS, WILLIAM H. GAW, THOS. DeWITT CUYLER, AUGUSTUS D. JUILLIARD, A. JOHN BROWN, Jr., FRANCIS I. GOWEN, C. HARTMAN KUHN, EDWARD J. BERWIND, BENJAMIN W. RICHARDS, GEO. H. McFADDEN, JAMES SPEYER, RANDAL MORGAN, JOHN B. GARRETT, HENRY TATNALL. RICHARD A. McCURDY, EDWARD T. STOTESBURY, WILLIAM H. JENKS, ISAAC H. CLOTHIER. GEORGE G. HAVEN, CHARLES E. INGERSOLL, B F. CLYDE. The American Trust and Savings Bank Established 1889 Chicag° STATEMENT OF CONDITION, AUGUST 26, 1903 RESOURCES. LIABILITIES. Loans and Discounts $17,438,307.43 Capital Stock $3, 000, 000. 00 Bonds - 4,599,662.91 Surplus and Profits 2,044,354.86 Cash and Exchange 12,062,526.13 Deposits 29,056,141.61 $34,100,496.47 $34,100,496.47 OFFICERSi EDWIN A. POTTER, President. CHARLES S. CASTLE, Cashier. FRANK H. JONES, Secretary. T. P. PHILLIPS, Vice-President. F. J. SCHEIDENHELM, Assistant Cashier. WILLIAM P. KOPF, Assistant Secretary. JAMES R. CHAPMAN, Vice-President. OLIVER C. DECKER, Assistant Cashier. IRVING J. SHUART, Assistant Secretary. JOHN JAY ABBOTT, Vice-President. EDWIN L. WAGNER, Assistant Cashier. WILSON W. LAMPERT, Auditor. GEORGE B. CALDWELL, Mgr. Bond Dept. DIRECTORS JOY MORTON, Joy Morton A Co. E. J. BUFFINGTON, President Illinois Steel Company. E. H. OAKY, Chairman D. S. Steel Corporation. WILLIAM KENT, Kent & Burke. E. P. RIPLEY, President Atchison, T. & Santa Fe Ry. V. A. WATKIN8, Capitalist. THKODORE P. SHONTS, Chairman Isthmian Canal Commission GlI.BERl B. SHAW, 1 umber. NORMAN B. RKAM. Capitalist. BENJAMIN THOMAS, President Chgo. & Western Ind JOHN F. HARRIS, Harris, R B Scotten Co. CHAS. H. DEERE, Deere & Co., Mollne, 111. T. P. PHILLIPS, formerly Pres. 1 ederal Trust and 8avlngs Bank. JAMES R. CHAPMAN, Vice-President. W. H. McDOEL, Prest. Cnero., Indpls. * Louisville R.K. EDWIN A. POTTER, President. CHARLES H. THORNE, Montgomery Ward & Co. General Banking, Trust, Bond and Savfngs Departments. Wm. A. Read & Co. Bankers Members of the New York and Boston Stock Exchanges Investment Securities Deposits received and Interest allowed on Balances, subject to draft at sight. Commission orders executed in all the principal markets. 25 Nassau Street, New York 43 State Street 205 La Salle Street Maryland Telephone Building BOSTON CHICAGO BALTIMORE Kean, Van Cortlandt & Co., 30 Pine Street, New York. BANKERS. TRANSACT A GENERAL FOREIGN and DOMESTIC BANKING BUSINESS. DEALERS IN INVESTMENT SECURITIES. BROWN BROTHERS & CO., New York, 59 Wall Street Philadelphia, 4th and Chestnut Streets. Boston, 60 State Street. AND ALEX. BROWN & SONS, Baltimore and Calvert Streets, Baltimore. ALL CONNECTED BY PRIVATE WIRE MEMBERS OF THE NEW YORK, PHILADELPHIA, BOSTON AND BALTIMORE STOCK EXCHANGES. Execute Orders on Commission for Purchase and Sale of Stocks, Bonds, and all Investment Securities. BILLS OF EXCHANGE BOUGHT AND SOLD. Arrangements made with Banks and Bankers in the United States enabling them to Issue their own Drafts on Foreign Countries. Commercial Letters of Credit and Travelers Letters of Credit issued, available in all parts of the world. Also Lnternational Cheques. Collections made on allpoints ; Telegraphic Transfers ofMoney made between this Country and Europe. Deposit Accounts of American Banks, Bankers, Firms and Individuals received upon favorable terms. Certificates of Deposit issued payable on demand or at a stated period. BROWN, SHIPLEY & CO., FOUNDER'S COURT, LOTHBURY, E. C, AND FOR THE CONVENIENCE OF TRAVELERS, 123 PALL MALL, S. W., LONDON. 2 LEE, HIGGINSON & CO., Boston, Mass* INVESTMENT SECURITIES. LETTERS OF CREDIT, COMMERCIAL AND TRAVELLERS', AVAILABLE IN ALL PARTS OF THE WORLD. FOREIGN EXCHANGE DRAWN ON Messrs. N. M. ROTHSCHILD & SONS, AND Messrs. COUTTS & COMPANY, LONDON; Messrs. MORGAN, HARJES & COMPANY, PARIS; Messrs. M. M. WARBURG & COMPANY, HAMBURG; Messrs. GEBRUDER SCHICKLER, BERLIN. Members New York, Boston, Philadelphia and Chicago Stock Exchanges, HARVEY FISK & SONS NEW YORK BOSTON 62 Cedar St. 35 Congress Street. MEMBERS OF THE NEW YORK AND BOSTON STOCK EXCHANGES UNITED STATES BONDS, RAILROAD, MUNICIPAL AND OTHER INVESTMENT SECURITIES Representatives in PHILADELPHIA HARTFORD, CONN. CHICAGO JAMES H. CHAPMAN, H. L. WILKINSON, D. K. DRAKE, 421 Chestnut St. Conn. Mutual Life Bldg. Continental Natl Bk. BIdg. OUR LIST OF INVESTMENT SECURITIES SENT ON APPLICATION The New York Trust Company 26 BROAD STREET CAPITAL $ 3,000,000 SURPLUS and PROFITS 9,900,000 DEPOSITS (October I, 1905), 51,383,205 Allows interest on deposits subject to cheque. Manages estates. Acts as executor, trustee, etc. Trustees Charles S. Fairchild, Chairman Otto T. Bannard S. Reading Bertron James A. Blair Robert W. de Forest John B. Dennis Marshall Field Elbert H. Gary Charles W. Harkness James J. Hill F. N. Hoffstot Arthur Curtiss James Frederic B. Jennings Walter Jennings Willard V. King Woodbury Langdon John A. McCall Gordon Macdonald John J. Mitchell James Parmelee John S. Phipps George W. Perkins E. Parmalee Prentice Edmund D. Randolph Norman B. Ream B. Aymar Sands John W. Sterling James Stillman Myles Tierney P. A. Valentine OFFICERS] OTTO T. BANNARD, President WILLARD V. KING, Vice-President ALEXANDER S. WEBB, Jr., V ice = President HENRY E. AHERN, Secretary MORTIMER N. BUCKNER, Treasurer FREDERICK J. HORNE, Asst. Secretary HERBERT W. MORSE, 2nd Asst. Secretary; Incorporated 18 8 9 Fisr & Robinson BANKERS Members New York Stock Exchange 35 Cedar Street 28 State Street NEW YORK B O S T O N INVESTMENT DEPARTMENT UNITED STATES BONDS, Guaranteed Stocks and other investment securities bought and sold. List of current offerings suitable for Savings Banks or Trust Funds sent on application. Orders on New York Stock Exchange and in sound and marketable unlisted securi- ties executed on commission for cash. BANKING DEPARTMENT DEPOSIT ACCOUNTS of Corporations, Firms, and Individuals received subject to sight draft. Certifi- cates of deposit issued payable on demand or at a stated date. Interest allowed on daily balances and on money deposited pending investment. FISCAL AGENCY ACCOUNTS for the payment of bonds, coupons, dividends, etc., and for the transfer and registration of securities received from municipal, railroad, and other corporations. Gilbert M. Plympton Thomas A. Gardiner William L. McKenna Plympton, Gardiner &Co. BANKERS 27 William Street, Corner Exchange Place New York Chicago Office Boston Office 232^La Salle Street 50 Congress Street Members New YorK and Chicago StocK Exchanges Dealers in Government, Municipal and Railroad Bonds* Guaranteed Stocks and other Conservative Investment Securities suitable for National, State and Savings Banks, Estates and Individuals* Lists sent on request. Correspondence solicited with those desiring to increase or reduce their holdings of securities. cA ecu rat e Quotations F urn is hea. We invite Deposit Accounts subject to cheque and allow interest on Daily Balances. Commission orders for the purchase or sale of Bonds and StocKs executed in all marhets, Dividends and Coupons collected and remitted without charge* Negotiate Loans and issue Mortgage Bonds of Railroads and Public Service Corporations. T. A. MclNTYRE & CO. Members of New York Stock Exchange. 71 Broadway, New York. Cable Address, "Tyrewell." Long Distance Telephone, uy. BONDS, INVESTMENT SECURITIES,
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