History of McHenry County, Illinois, Volume I, Part 16

Author:
Publication date: 1922
Publisher: Chicago : Munsell Pub. Co.
Number of Pages: 636


USA > Illinois > McHenry County > History of McHenry County, Illinois, Volume I > Part 16


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Certain large investments having been made, which the board of directors and the majority of the stockholders believed would result in heavy losses, the bank was elosed July 8, 1915, and the state auditor took charge. The bank remained elosed for about a month, during which time the stockholders and directors arranged to make good the impairment claimed, taking out of the bank all paper that had been questioned. At this juncture, fearing that liquidation of the bank through a receivership was imminent, which would tie up more than $300,000 of the depositors' funds, and entail great loss and hardship through delay, Fremont Hoy and Clarenee F. Hoy, his son, who had been president and vice president, respectively of the competing State Bank of Crystal Lake, acquired a majority of the stock of the Citizens State Bank, and its management was assumed by them. Clarence F. Hoy was made its president and Fremont Hoy its temporary cashier and vice president. W. IF. Wilbur became cashier in September of that same year.


Through the succeeding year the State Bank of Crystal Lake and the Citizens State Bank were operated under the direction of Fremont Hoy and Clarence F. Hoy, with the able assistance of Messrs. Lyn Richards and W. H. Wilbur, as cashiers of the respective banks, with the result that the depositors of the Citizens State Bank were saved from the loss of money, and the community from shock to its honor and reputation as a banking center, and most of all the confidence of the people in banking integrity was retained. The Citizens State Bank and the State Bank of Crystal Lake were consolidated August 14, 1916, becoming the United State Bank of Crystal Lake, capitalized at $75,000; by this consolidation the bank at once took rank among the


178


HISTORY OF MCHENRY COUNTY


more important banks of the county. It is housed in its own fine build- ing, equipped in a modern manner. The Messrs. Hoy disposed of their banking interests at Crystal Lake in January, 1919, to W. H. Wilbur and Lynn Richards, thus terminating their successful banking ex- perience of six years at Crystal Lake.


The State Bank of Crystal Lake, now consolidated with the Citi- zens State Bank, under the name of the United State Bank of Crystal Lake, was founded and opened for business by James R. Jackman, October 20, 1910, with a capital of $25,000. Mr. Jaekman was president ; J. C. Nordling, cashier. and F. L. Colby was vice president. Lynn Rich- ards, former deputy cireuit clerk, beeame cashier, January 1. 1911. In October, 1915, Fremont Hoy, having acquired control of the majority of the stock of the bank, became its president, and his son, Clarence F. Hoy, its vice president. Mr. Richards was continued as cashier. Under this management the bank had quite a gratifying growth, having depo- sits of about $210,000 at the time of its consolidation with the Citizens State Bank in August, 1916. The strength of this bank was never ques- tioned, and was amply proven when in July, 1915, it was found neces- sary for it to provide for the financial requirements of the entire com- munity. The bank and its officials proved able to cope with the stination in a capable and satisfactory manner, and without any discrimination. The following is the statement made by the bank March 31, 1921 :


RESOURCES


Loans and Diseounts $490,126.24


Overdrafts 830.46


U. S. Government Investments 58.034.00


Other Bonds and Stoeks 5,262.40


Banking House, Furniture and Fixtures 33,173.00


Other Real Estate 16,044.55


Due from Banks, Cash, Exchanges, Cheeks and Collections . . 73,903.91


Total Resourees $677,374.56


LIABILITIES


Capital Stoek Paid In


$ 50,000.00


Surplus Fund


7,500.00


Undivided Profits (net)


5,653.62


Deposits


571,296.27


HISTORY OF MCHENRY COUNTY 179


Reserve 2,824.67


Bills payable and Rediscounts 40,000.00


Total Liabilities


$677,374.56


110ME STATE BANK OF CRYSTAL LAKE


In 1915 the Home State Bank of Crystal Lake was organized with its present capital of $25,000. Its first officials were William Pinnow, president ; Edward Malone, and J. H. Parks, vice presidents, and A. II. llenderson, cashier. These same gentlemen are still holding the positions of responsibility they entered when the bank was opened, except that J. W. Wingat is now seeond vice president, vice J. H. Parks, deceased.


The building in which the bank is operated is owned by the bank, and was erected for banking purposes, of terra cotta material, at a cost of $13,500.


On March 31, 1921, the following report was issued :


RESOURCES


Loans and Discounts $193,189.19


Overdrafts None


U. S. Government Investments 28,600.00


Other Bonds and Stoeks 35,797.50


Banking House, Furniture and Fixtures 18,030.00


Due from Banks, Cash, Exchanges, Checks and Collections. . 95,621.37


Total Resources $371,238.06


LIABILITIES


Capital Stock Paid In $ 25,000.00


Surplus Fund


5,000.00


Undivided Profits (net)


3,155.77


Deposits


338,082.29


Total Liabilities $371,238.06


HARVARD BANKING INSTITUTIONS


What was known as the Harvard Bank (now the Harvard State Bank) was established in the store of A. E. Axtell, by J. C. Crumb. The


180


HISTORY OF MCHENRY COUNTY


following year he bought a building at the corner of Brainard and Ayer streets and removed to it. Ile came through successfully the panic days of 1873, and kept pace with the growth and prosperity of his county. and in 1880 bad deposits with the Fifth National Bank of Chicago amounting to $500,000. In 1881 his deposits with the Importers and Traders Bank of New York City amounted to $46,755. The bank has been conducted by representatives of three generations of the Crumb family, namely: Joseph C., the founder; Herbert D., his son, and Edward A. Crumb, his grandson, who is now assistant cashier. This bank occupies the largest banking room in MeHenry County. The build- ing is at the corner of Avers and Brainard streets, and was rebuilt in 1904 to conform to modern banking ideas. It was a private institution, until converted into a state bank in 1920, and has had a very successful history. The statement of March 31, 192], shows the following condition :


RESOURCES


Loans and Dieounts $601.675.00


Overdrafts


146.55


U. S. Government Investments 4,132.72


Other Bonds and Stocks


33,603.02


Banking House, Furniture and Fixtures 35,887.48


Due from Banks, Cash, Exchanges, Checks and Collections. . 94,602.33


Other Resources


434,814.16


Total Resources


$1,204,861.26


LIABILITIES


Capital Stock


$ 100,000.00


Surplus


15,000.00


Undivided Profits-Net


7,120.12


Deposits


630,842.27


Reserve


5.139.01


Bills Payable


20,000.00


Other Liabilities


426,759.86


Total Liabilities


$1,204,861.26


FIRST STATE BANK OF HARVARD


In 1877 A. E. Axtoll established a private bank and operated it under his own name in connection with other lines of business. In April, 1878.


181


HISTORY OF MCHENRY COUNTY


he commenced taking deposits and prospered so that by 1880 his deposits were $40,000. On May 20, 1909 the Axtell Bank was taken over by the First State Bank of Harvard, which had been established, and re-organ- ized with a capital stock of $50,000, which with the surplus and undivided profits, of over $97,000, gives the bank a working fund of $147,000, and greater than that of any other bank in MeHenry County. In 1921 its deposits were $1,432,549.69.


The first officers were F. F. Axtell, president : W. D. Hall, vice presi- dent : E. L. Axtell, cashier, and F. B. Phelps, assistant cashier. The present officers are : F. F. Axtell, president : W. D. Hall, vice president ; E. L. Axtell, cashier, and F. B. Phelps, assistant cashier. The board of directors is composed of the following : F. F. AAxtell, E. L. Axtell, W. D. Hall, C. E. Hunt, E. S. Smith and L. M. Lillibridge.


The statement issued on March 31, 1921, shows the following con- elition :


RESOURCES


Loans and Discounts $1.028,787.98


Overdrafts 284.29


U. S. Government Investments 120,089.65


Other Bonds and Stock 121,823.00


Banking House Furniture and Fixtures 52,383.21


Due from Banks, Cash, Exchanges, Checks and Collections. . 256,009.76


Other Resources


517.08


Total Resources


$1.579,895.00


LIABILITIES


Capital Stock paid in


50,000.00


Surplus Fund


50,000.00


Undivided Profits (net)


47,345.31


Deposits


1,432,549.69


Total Liabilities


$1.579,895.00


FINANCIAL REMINISCENCES OF MY HENRY


James B. Perry, who came to Mellenry in 1864, and is still residing here, furnishes the following interesting data relative to the banking history of MeHeury.


Some of the more prominent financiers of the earlier period in this


182


HISTORY OF MCHENRY COUNTY


vicinity were Samuel Il. Walker and Freeman Whiting, who were ac- enstomed to make loans. The firm of Owen Brothers, composed of Herman N. and Edward M. Owen, located at MeHlenry, to which they came prior to 1850, first being engaged in general merchandising and dealing in grain, but later branched out and built and operated a mill which they used for tlouring and saw-milling. In connection with other business transactions they sold some exchange, but, as far as is known, did not accept deposits. The iron safe used by them about seventy years ago is still in MeHenry and in use, only, however, for the purpose of protecting books and papers against a possible fire. The mercantile business of Owen Brothers was continned by them until 1874, when it was purchased by James B. Perry and Alfred A. Martin, and they, too, issued exchange. About 1882-3 Mr. Martin disposed of his holdings to Oliver N. Owen, and the firm of Perry and Owen was formed, and in 1888 began doing a regular banking business, under the name of the Bank of MeHlenry, with a capital of $15,000, and deposits in 1913 of $150,000. The bank was operated in a substantial brick bank building. ereeted by the firm in 1901.


This bank, with James B. Perry at its head, did a conservative and satisfactory business. Mr. Perry lived in the community for so long a period that he was intimately acquainted with all of the people, and they relied upon him for advice in financial matters. Among the substantial early bankers of this county Mr. Perry is an excellent example.


In 1913 Messrs. Perry and Owen, desiring to retire from active busi- ness, negotiated a sale to Fremont Hoy and Clarenee F. Hoy, who took control of the bank, November 1, 1913.


FOX RIVER VALLEY STATE BANK


The Hoy Banking Company succeeded the Bank of MeHenry, the name being changed in 1914 when the capital was increased from $15,000 to $25,000. That same year the bank building was remodeled. In Octo- ber, 1920 a charter was granted to the Fox River Valley State Bank, Me- Ilenry, Illinois, for the purpose of taking over the business of the Hoy Banking Company, with a capital of $50,000. Fremont Hoy became its president ; James B. Perry and Clarence F. Hoy, vice presidents, and Joseph C. Holly, cashier.


Mr. Fremont Hoy belongs to a family of bankers in MeHenry County. and is well known through Illinois as an astute financier. He has been variously connected with banking in this county for many years, and


183


HISTORY OF MCHENRY COUNTY


is recognized as an authority on finance. This bank has for years special- ized on real-estate securities.


The following recent statement discloses the following condition :


RESOURCES


Loans and Discounts $248,408.49


Overdrafts 184.14


U. S. Government Investments 200.00


Other Bouds and Stocks


14,600.00


Banking House, Furniture and Fixtures 21,505.47


Due from Banks, Cash, Exchanges, Checks and Collections. 39,494.69


Total Resources $324,392.79


LIABILITIES


Capital Stoek $ 50,000.00


Undivided Profits (net)


1,176.66


Deposits 253,216.13


Bills Payable and Re-discounts


20,000.00


Total Liabilities $324,392.79


RINGWOOD STATE BANK


The Bank of Ringwood was established February 3, 1916, by Fremont Hoy and Clarennee F. Hoy. The first officials were: Fremont Hoy, president ; Clarence F. Hoy, manager, and Henry F. Wharton, eashier. Mr Wharton died in October, 1918, of influenza, which was then epidemie. His place was filled by George II. Johnson for several months, the other officials remaining the same.


The bank started with a capital of $10.000. In 1920 the business was taken over by the Ringwood State Bank, organized for that purpose, with a capital of $25,000. Clarence F. Hoy became president ; Fremont Hoy, vice president ; and Kenneth O. Hoy, eashier, all of whom, together with a board of seven directors, now manage the affairs of the bank. This bank now receives, as it always 'has, a good patronage, as is shown by its statement which appears herewith :


184


HISTORY OF MCHENRY COUNTY


RESOURCES


Loans $ 82,516.54


Overdrafts 65.11


U. S. Gov. Investments


1,750.00


Bonds


33,500.00


Banking Honse, Furniture and Fixtures 9,500.00


Due from Banks, Cash and Cash Items


9,738.20


Totals


$137,069.55


LIABILITIES


Capital


$ 25,000.00


Undivided Profits


429.26


Deposits


101,640.59


Bills Payable and Re-Discounts


10,000.00


. Totals


$137.069.85


The building used by the bank for banking purposes, was built by the Ringwood Bank in 1916 following the erection of the large milk bottling plant at Ringwood, and this is now owned by the Ringwood State Bank.


FIRST NATIONAL BANK OF MARENGO


On August 8, 1871, Richard M. Patrick and G. V. Wells organized the First National Bank of Marengo to succeed the private banking house of R. M. Patrick. G. V. Wells was the first president, and he was succeeded by the following: R. M. Patrick and E. D. Patrick; while R. M. Patrick, the original cashier, has been succeeded by N. V. Wole- ben. E. D. Patrick and A. C. Smith. The present assistant cashiers are R. F. Duesenberry and C. H. Woleben: C. B. Whitemore and E. ('. Robb are the vice presidents.


The original capital remains at $50,000. but the surplus is $50.000. and undivided profits over $10,000. In 1921 the deposits were slightly upwards of $700,000.


On February 21. 1921, the following statement was issued :


185


HISTORY OF MCHENRY COUNTY


RESOURCES


Loans $467,208.30


Overdrafts 3,022.20


l'. S. Bonds 44,000.00


Other Bonds 154,071.96


Collateral Trust Notes 22,975.00


Stock Federal Reserve Bank. 3,000.00


Furniture and Fixtures


12,500.00


Due from Banks, Cash and Exchange on Iland.


116,628.65


Redemption Fund with and Due from U. S. Treasury


625.00


Interest Earned but Not Collected.


14,750,51


Credit Reports


76,25


Total Resources $838,857.87


LIABILITIES


Capital Stock


50,000.00


Surplus


50,000.00


Undivided Profits (Net)


10,341.60


Unearned Interest Collected


26.76


Reserved for Interest, Accrued


14,723.75


Circulating Notes Outstanding


12,200.00


Deposits-All Kinds


701,565.76


Total Liabilities $838.857.87


DAIRYMAN'S STATE BANK OF MARENGO


In 1890 Z. E. Goodrich, Loren Woodard, William Dougherty, C. S. Robb. I. R. Curtiss, 1. N. Muzzy, N. Buck, A. A. Ryder, R. Dalby, O. Hopkins, G. B. Richards. A. W. Kelley, Will Pringle, C. Buchte, C. E. Kelley, P. B. Smith, L. Barber, A. S. Norton, A. J. Shurtleff, John Gray, C. B. Kimball, E. P. Sperry, A. II. Penny, George Samter and T. M. Hager organized the Dairyman's State Bank of Marengo with a capital of $25,000. This has remained the same but there are now undivided profits and a surplus of $50,244.96. The officials were: Z. E. Goodrich, president ; Ira R. Curtiss, vice president : Lester Barber, cashier : and A. S. Norton, assistant cashier. The original chief executive, Mr. Good- rich, has been succeeded in turn by Ira R. Curtiss, E. E. Seward and


186


HISTORY OF MCHENRY COUNTY


G. W. Redpath, while Mr. Norton and C. J. Coarson, have more recently filled the place of Mr. Barber, as cashier. J. E. Williams acted as vice president for a time : however, C. J. Coarson is now the present vice pres- ident, and Carleton S. Robb and E. J. Hintz are the assistant cashiers. The bank building ocenpied by this bank was erected in 1915 of brick and stone.


On March 31, 1921, the following statement was issued :


RESOURCES


Loans and Discounts $358,863.98


Overdrafts


331.62


U. S. Government Investments 28,150.00


Other Bonds and Stocks


17.000.22


Banking House, Furniture and Fixtures


26,866.00


Other Real Estate


3.000.00


Due from Banks, Cash, Exchanges, Checks and Collections. .


60,595.52


Total Resources $494,807.34


LIABILITIES


Capital Stock Paid In


$ 25,000.00


Surplus Fund


25,000.00


Undivided Profits (Net)


25,244.96


Deposits


419,322.38


Dividends Unpaid


240.00


Total Liabilities $494,807.34


STATE BANK OF UNION


In 1911 O. E. Schnette, H. E. Franzen and A. F. Pottratz organized the State Bank of Union with a capital of $25,000, which remains the same, to which has been added $9,819.53 in surplus and undivided profits. The resources and liabilities of the bank in March, 1921, were $301,825.14, and its deposits were $247,005.61. The building in which this bank is operating is a brick structure ereeted in 1911. H. A. Stoxen and W. II. Deneen have been its presidents, and O. H. Schnette has continued its cashier. George L. Torrence is the vice president, and C. M. Siems is the assistant cashier.


The banks recent statement follows:


187


HISTORY OF MCHENRY COUNTY


RESOURCES


Loans and Dicounts


$169,569.18


Overdrafts


105.35


Bonds


41,619.00


Banking House and Fixtures


5,800.00


Due from Banks and Cash


84,731.61


Total Resources $301,825.14


LIABILITIES


Capital Stock


$ 25.000.00


Surplus


9,000.00


Undivided Profits


819.53


Deposits


247.005.61


Bills Payable


20,000.00


Total Liabilities $301,825.14


Union had a bank at a slightly earlier date which only operated for a short time. Some loss sustained through its closing.


HEBRON STATE BANK


The Bank of Ilebron was established in 1897 by G. W. Conn, Sr., G. W. Conn, Jr., and F. N. Torrenec, with a capital of $7,500. These gentlemen operated the bank quite sueeessfully for a short time, when the ownership passed to a syndicate composed of W. E. Wite and four other prominent local men. Mr. Wite, who has served as county superintendent of schools of MeHenry County for several terms, beeame cashier and A. J. Cole, president. These five gentlemen gave to the bank a prestige which was a great factor in its steady growth.


In 1920 this lucrative business passed to the present Hebron State Bank which, to conform to the present law, had been organized to take over and continue the business. The present officers are: A. J. Cole, president ; F. C. Slavin, vice president ; J. W. Smith, eashier; and W. R. Giddings and Lora C. Mead, assistant cashiers.


The following is the statement issued by the bank under date of March 31. 1921 :


188


HISTORY OF MCHENRY COUNTY


RESOURCES


Loans and Discounts $122,057.62


Overdrafts


1,117.29


U. S. Government Investments 27,000.00


Other Bonds and Stocks


2,000.00


Banking House, Furniture and Fixtures


7,444.75


Dne from Banks, Cash, Exchanges, Cheeks and Collections. .


52,805.88


Total Resources


$512, 455.54


LIABILITIES


Capital Stock


$ 50,000.00


Surplus


25,000.00


Undivided Profits (net)


5,445.63


Deposits


407,009.91


Bills Payable and Re-discounts


25,000.00


Total Liabilities


$512.455.54


STATE BANK OF HUNTLEY


On March 12. 1913, the State Bank of Huntley was established with John M. Hoy as president ; A. B. Brinkerhoff, vice president ; William P. Hoy, cashier: and W. F. Bartlett, assistant cashier. The present officials are : John M. Hoy, president ; John T. Kelley, vice president ; William P. Hoy, eashier, and W. F. Bartlett and C. H. Marsh, assistant eashiers.


This bank is the outgrowth of the Bank of Huntley, founded May 1, 1901 by M. D. Hoy & Sons, successors to a banking business conducted for a few years as the Farmers Exchange Bank, by Charles E. Cook. and E. HI. Cook, who sold to M. D. Hoy & Sons.


The original capital of the State Bank of Huntley, of $50,000. is unchanged, but there is a surplus of $30,000, and undivided profits of $5.600. The resources and liabilities are $518,558.60, deposits are $390,- 670.68. It stands for all that represents the highest banking standards. This bank was equipped with modern new fixtures a few years since.


The following is their showing on March 31, 1921 ;


189


HISTORY OF MCHENRY COUNTY


RESOURCES


Loans and Discounts $379,579.01


Overdrafts 180.22


U. S. Government Investments 51,550.00


Other Bonds and Stock 21,100.00


Banking House, Furniture and Fixtures 2,700.00


Other Real Estate 5,000.00


Due from Banks, Cash, Exchanges, Checks and Collections


58,449.37


Total Resources $518,558.60


LIABILITIES


Capital Stock


$ 50,000.00


Surplus


30.000.00


U'ndivided Profits (net )


5,602.51


Deposits


390.670.68


Dividends unpaid


150.00


Reserve


2,135.41


Bills Payable and Re-discounts


40,000.00


Total Liabilities $518,558.60


ALGONQUIN STATE BANK


In June, 1913 B. C. Getzehnan established the Algonquin State Bank, and has always been its president. E. C. Peter is vice president. This bank succeeded the Bank of Algonquin. The present cashier. George D. Keyes has always held his present position since the bank became a state bank. The capital is $25,000, surplus and undivided profits $16,625.70.


In March 1921 the following statement was issued :


RESOURCES


Loans and Discounts $167,738.97


Overdrafts 13.79


U. S. Government Investments 7,136,50


Other Bonds and Stock 33,610.97


Banking House, Furniture and Fixtures 2,289,20


Due from Banks, Cash, Exchanges, Checks and Collections 48.201.95


Total Resources $258,991.38


190


HISTORY OF MCHENRY COUNTY


LIABILITIES


Capital Stock Paid In


$ 25,000.00


Surplus Fund


10.000.00


Undivided Profits (net)


6,625.70


Deposits


214,238.67


Reserve


3,127.01


Total Liabilities


$258.991.38


WEST MC HENRY STATE BANK


On September 10, 1906, the West MeHenry State Bank was estab- lished by P. S. Webster with a capital of $25,000, which has sinee been increased to $50,000. This thoroughly modern banking institution is the first bank of West MeHeury, and its only one. E. L. Wagner and C. Il. Fegers have served in turn as its presidents, and Carl W. Stenger has always been its cashier. The present vice president of the bank is Parker S. Webster and the second vice president is Simon Stoffel.


A statement made on March 31, 1921, shows the following condition :


RESOURCES


Loans and Discounts


$336,270.33


Overdrafts 75.92


U. S. Government Investments


63,538.00


Other Bonds and Stocks.


22,050.44


Banking Ilouse, Furniture and Fixtures. 18,645.00


Due from Banks, Cash, Exchanges, Checks and Collections


43,752.01


Total Resources $484,331.70


LIABILITIES


Capital Stoek


$ 50,000.00


Surplus Fund


10,000.00


Undivided Profits (net)


9,873.12


Deposits


414,241.70


Contingent Fund


216.88


Total Liabilities


$484,331.70


Harry L. Ehow


191


HISTORY OF MCHENRY COUNTY


SPRING GROVE STATE BANK


On December 3, 1914, the Spring Grove Bank was organized by J. E. Meredith, J. II. Gerbracht and Anton Sahaefer. The present officials are : Anton Sahaefer, president and cashier; and MI. A. Sahaefer, assistant cashier.


This bank was started with a capital of $3,000, and in 1919 had resources amounting to $53,153. Its deposits amounted to $48,946 in the same year, and it carried a surplus fund of $1,207. It was located in a small village, and, in the past has had ample facilities for trans- acting all necessary business in its line for the surrounding neighbor- hood, and its management have had the good will of the people of this vicinity.


About the commencement of 1920 an organization was brought into existence under the Illinois Banking Act, with a capital of $25,000, having for its title the Spring Grove State Bank. This organization purchased the business, assets and good will of the Spring Grove Bank, and since that time has conducted a banking business at that place, with considerable success. Joseph G. Wagner is the president ; John C. Furlong, vice president; and Arthur H. Franzen, cashier. Mr. H. II. Franzen of Du Page County, Illinois, a banker of considerable expe- rience in several localities, is financially interested and is a director of this bank.


The most recent available statement, of March 31, 1921, shows the condition of the bank to be as follows :


RESOURCES


Loans and Discounts $ 81,882.75


Other Bonds and Stocks. 7,055.00


Banking House, Furniture and Fixtures 1,786.26


Other Real Estate 1,250.00


Due from Banks, Cash Exchanges, Checks and Collections. . . 18,222.26


Total Resources $110,196.27


LIABILITIES


Capital Stock


$ 25,000.00


Undivided Profits (net)


4,452.21


Deposits


80,544.06


Other Liabilities 200.00


Total Liabilities


$110,196.27


192


HISTORY OF MeHENRY COUNTY


CARY STATE BANK


The Cary State Bank is located in the village of Cary and was organized April 3, 1914, with T. H. Wulff as president; C. W. Stenger, vice president ; and Joseph J. Sutton, cashier. Its original capital of $25,000 has not been increased, but it has surplus and undivided profits of $12,430.26. In March, 1921, its deposits were $193,001.62. The Cary State Bank owns its own banking building, erected at a cost of $6,000. This bank has transacted its affairs from the start in an honor- able and upright manner, and its officials have the confidence of the surrounding country.


According to a statement made under date of March 31, 1921, the condition of the bank is as follows:


RESOURCES


Loans and Discounts


$150,627.75


Bonds and Stocks. 38,337.50


Cash on Hand


8,248.76


Banking House, Furniture and Fixtures. 8.532.00




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