USA > Massachusetts > Essex County > Municipal history of Essex County in Massachusetts, Volume II > Part 20
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The Lynn Institution for Savings, at No. 25 Exchange street, was established in 1826, by Amariah Childs and about one hundred other citizens of Lynn. The first officers were Amariah Childs, president; Amos Rhodes, treasurer. After the passage of almost a century, the officers are Charles A. Collins, president; Philip K. Parker, treasurer; Edith N. Hudson, assistant treasurer. Banks of this class have no capital stock, as they are conducted on the mutual plan. The resources and liabilities in June, 1921, were $12,500,000; surplus $1,018,000; re- cent deposits $11,332,000. The home of this bank is in the fine brick building erected in 1890, and is probably worth about $250,000 today. It is held jointly by the Essex Trust Company and the Lynn Institution for Savings. In the sweeping fire of 1889, this bank suffered loss by being burned out, after which for a time, it was located near the present Gas & Electric Company building, on Exchange street.
Central National Bank of Lynn, established in 1863, was founded by Francis and Henry Newhall in 1849 and styled the Leighton Bank, continuing as such until 1863. When the National Banking law was enacted, it was among the first to incorporate as a National bank. It was originally named "Leighton," after Thomas Leighton, a farmer, who settled in Lynn in 1638. The bank was first opened in the old Lyceum building, then at the corner of Summer and Market streets. Those were eventful times for business in Lynn. The Eastern railroad had just been completed, and the city's center of activity was moving gradually toward the water front, although many shoe factories still overlooked the commons. The Newhall brothers above named were the principal backers of this enterprise, and Francis Newhall became the first president. After nine years his brother took his place, being fol- lowed in office by Ezra W. Mudge, Philip A. Chase and Henry B. Sprague. The detailed story of its progress, year by year, the various buildings which have housed its officers and the changes in its personnel, are mat- ters of history which are not so interesting at present as the new and larger institution which this history has evolved. The year 1921 finds the Central National Bank lodged in Central Square, in quarters it has now occupied since 1892. These rooms have been remodeled, new furni- ture and fixtures have been installed, and safe deposit facilities have been largely increased. All that plate glass and steel, all that science and system can do, has been done to remodel the offices, so that they offer every facility for the prompt and easy transaction of all kinds of banking business, as well as reflect the prosperity and progress of the institution itself. The present capital is $200,000; surplus over $500,000, undivided profits ; recent deposits $5,500,000. The present officers are: Henry B. Sprague, president; James Brophy and Albert M. Creighton, vice- presidents; Herbert A. Cahoon, cashier and vice-president; Howard R. Young, assistant cashier; Herbert L. Doyle, assistant cashier.
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The National City Bank was established in October, 1854, by John C. Abbott, Otis Johnson and Amos P. Tapley. It was first known as City Bank of Lynn, and so continued until April 1, 1865, when it became a National bank. Its first capital was $100,000; its present capital is $200,000; surplus, $206,607.38; resources and liabilities, $5,223,481. Its recent deposits amounted to $4,629,367. The present site was pur- chased and a modern brick-concrete structure was built, and is now valued at $122,704. The first officers of this bank were John C. Abbott, president, from 1854 to 1858; Amos P. Tapley, from 1858 to 1893; Ben- jamin V. French, cashier, from 1854 to 1899. The present, or 1921 officers, are: Arthur W. Pinkham, president; Francis E. Bruce, vice- president and cashier; Albert S. Badger, assistant cashier.
The Lynn Five Cents Savings Bank, located at No. 112 Market street, was established in 1855 by George Hood, Andrew Breed, Thomas B. Newhall, William F. Johnson, A. S. Moore, Dean Peabody, Charles B. Holmes, I. C. Breed, John Batchelder, Charles Merritt. The original officers were George Hood, president; John Batchelder, treasurer. The officers at this time (1921) are C. Fred Smith, president; Charles C. Handy, treasurer; Robert E. Ramsdell, assistant treasurer. Being a mutual savings bank, it necessarily has no capital, but its present re- sources and liabilities amount to $9,228,650.28; present surplus, $781,- 866.92; recent deposits, $8,195,456.46. The building, owned by the bank, was built in 1869, and is valued at $65,000.
The Equitable Co-operative Bank, at No. 145 Monroe street, was established in 1877 by Benjamin E. Porter, Benjamin Dupar, D. A. Sutherland, James H. Richards, Thomas E. Ward, B. K. Prentiss and others. This is a mutual financial institution, hence no capital is named; its depositors are represented by the sum of $4,662,975. The present assets amount to $5,987,554.32; number of shares in force, 100,371; number of shareholders, 9,033. The dividend for six months shows a rate of five and one-half per cent. per annum. The present surplus and guaranty fund is $130,201; resources and liabilities, $6,026,645.72. In the great Lynn conflagration of 1889, being situated on Exchange street, this bank was totally destroyed, but in no manner crippled. It is the third largest co-operative bank in Massachusetts, only two others, both in Boston, surpassing it. The first officers were James H. Richards, president; W. C. Lamphier, vice-president; Benjamin E. Porter, secre- tary; A. M. Preble, treasurer. The 1921 officers are Albion Bartlett, president ; Z. L. Seymour, vice-president; Edwin C. Lewis, treasurer and clerk. The assets by decades have been, in 1885, $36,781 ; in 1895, $365,- 963 ; in 1905, $730,065; in 1915, $3,882,710; in 1920, it was $5,551,123.
The Lynn Safe Deposit and Trust Company, corner of Market and Summer street, was established December 1, 1888, by John MacNair and several others. It took over the business of the Lynn National Bank, September 1st, 1915. The first officers were John Macnair, presi-
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dent; James E. Jenkins, treasurer. The present officers are Charles E. Harwood, president ; George E. Barnard, vice-president ; Charles W. Har- wood, vice-president; William Dunbar, treasurer; David Dunbar, assis- tant treasurer. The first capital was $100,000; the 1921 capital is $100,- 000. The present surplus and profits are $349,834.40; resources and liabilities, $4,515,942.01. The reports show recent deposits to be $3,- 969,356.43.
The Manufacturers' National Bank, opposite the Boston & Maine station in Lynn, was established in 1891. The first officers were William A. Clark, Jr., president; W. B. Littlefield, vice-president ; Frank L. Earl, cashier. The present officers are as follows: Clifton Colburn, presi- dent; W. M. Libbey, vice-president; Earl I. Foster, cashier; Joseph R. Vatcher, assistant cashier. The original as well as the present capital is $200,000; . present surplus, $100,000; resources and liabilities, $5,- 193,600; recent deposits $4,450,000. The bank is centrally located in a fine building, with all modern appliances for carrying on a large general banking business.
The Lynn Co-operative Bank was established November 18, 1891, by Ralph W. Putnam and his associates. The present officers are as follows: Frank E. Wells, president; Fred A. Trafton, vice-president ; Charles B. Bethune, treasurer. The present (1921) resources and lia- bilities are $1,435,057.92 ; profits, $184,854.38; reserve, $28,309.95. What is known in this class of banks as dues capital, amounts in this concern to $1,189,000.00. Among the items in the account of resources appears one in the May, 1921, statement of $1,293,565 for real estate loans. This bank has its headquarters in the Security Trust Building. The present security committee is as follows: Frank C. Reed, Robert S. Campbell, C. B. Bethune. The attorneys are Charles Leighton and Everett R. Campbell.
Commonwealth Savings Bank was established at No. 325 Union street, in 1900, by William M. Barney. The first officers were Benjamin W. Currier, president; George H. Allen, vice-president; Thomas Camp- bell, second vice-president; C. Neal Barney, clerk; William M. Barney, treasurer. The present (1921) officers are as follows: George H. Allen, president; Elmer E. Boyer, Patrick B. Magrane, Frank Hilliard, vice- presidents ; Jesse M. Holder, clerk; Edward M. Barney, treasurer. The trustees include George H. Allen, Edward M. Barney, William M. Barney, Maurice V. Bresnahan, Wilbert A. Bishop, Elmer E. Boyer, Frank J. Faulkner, John J. Heys, Frank Hilliard, Jesse M. Holder, Frank N. Hoyt, C. Hudson Johnson, Walter M. Libbey, Patrick M. Magrane, William M. Nye, Joseph G. Pinkham, George T. Till, Frank A. Turnbull. The present surplus is $70,020.47; recent deposits, $1,654,575.34; resources and liabilities, $1,739,037.95.
Lincoln Co-operative Bank, No. 323 Union street, was established in 1909, by William M. Barney. Its first officers were W. M. Barney,
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president; Jesse M. Holder, vice-president; E. M. Barney, secretary ; E. M. Barney, treasurer. The present officers are as follows: Jesse M. Holder, president ; Charles Woodbridge and E. E. Boyer, vice-presidents ; L. L. Barney, secretary ; E. M. Barney, treasurer. The 1921 directors are L. L. Barney, E. M. Barney, W. M. Barney, E. H. Ballard, W. A. Bishop, E. E. Boyer, E. P. Butterfield, T. J. Dumas, J. M. Holder, E. H. Kelley, W. M. Nye, A. E. Quick, Frank Smith, G. T. Till, C. G. Wood- bridge, James Bennett and Walter S. Libbey. The present capital is $293,765.34; surplus, $3,449,35; recent resources and liabilities, $301,- 104.69.
The Security Trust Company was established at No. 66 Central Square in 1910. The Security Safe Deposit and Trust Company was founded by Benjamin F. Spinney and associates in 1890. The National Security Bank consolidated with the Security Safe Deposit and Trust Company in 1910, forming the present Security Trust Company. Its present capital, same as its first, is $200,000; surplus, $300,000; recent deposits, $7,356,715.23. Its statement of a recent date shows resources and liabilities to the amount of $8,022,128.05. Among the items in re- sources is found loans and discounts, $4,426,041.75; also loans on real estate, $2,070,131.21. The April 28, 1921, statement showed in the mat- ter of deposits, commercial, $4,530,380.21; savings, $2,826,335.05. The main office of this institution is at No. 66 Central Square, and it also has a branch bank at No. 31 Market Square. The main office and home is in the imposing flat-iron shaped structure, eight stories in height, of solid limestone, value $500,000. The first business meeting held in this strictly modern banking house was April 9th, 1915. The Foreign De- partment, the Trust Department and the Safe Deposit Department are each and all complete within themselves. This concern is a member of the Federal Reserve bank of Boston. The original officers were Ben- jamin F. Spinney, president; Luther S. Johnson, Samuel J. Hollis, C. Irving Lindsey, vice-presidents. The present officers are: Charles S. Sanborn, president; Benjamin F. Spinney, honorary president; Samuel C. Hutchinson, Harrison P. Burrill, vice-presidents; William M. Nye, treasurer; Edward T. Chamberlain; cashier; Leo C. Stebbins, auditor; Ralph L. Law, manager West Lynn Branch.
Essex Trust Company, at No. 25 Exchange street, was established February 28, 1814, hence is now one hundred and seven years old. It was founded by John Pratt, James Pratt, Daniel Silsbee, Joseph Fuller, 3rd, Thomas Rich, Samuel Brimblecom and John D. Attwill. The Lynn Mechanics' Bank, opened February 28, 1814, was changed to the First National Bank of Lynn, December 9, 1864, and to the Essex Trust Com- pany on July 18, 1904. The original officers were Joseph Fuller (3d), president; Benjamin Oliver, clerk and cashier. The 1921 officers are M. P. Clough, chairman of the board; H. Morris Kelley, president; John D. Bartlett, vice-president; Hobart L. Walker, vice-president; Joshua
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Mills, treasurer; J. Frank Miller, assistant treasurer. This institution started on a capital of $100,000; today it has $250,000, with a surplus of $250,000. The June, 1921, statement, shows this bank to have had at that date assets amounting to $3,312,101.07 in the banking department and $108,632.34 in the trust department. The building in which it for- merly conducted its banking business was totally destroyed in the great conflagration of November 26, 1889. One vault, containing many books and papers, was lost; the vault containing the money, notes and securi- ties withstood the flames, and the contents were safely transferred on November 29th to the vaults of the Lynn Safe Deposit and Trust Co. The bank resumed business the day after the fire, and all checks and drafts were honored on presentation. In 1891 the present bank build- ing, a free-stone structure, was built, valued at $75,000. This is the pioneer banking institution of Lynn, and during all the changes of finan- cial troubles in the United States, including the panics occasioned by wars and depression, it has steadily made its way.
The State National Bank, No. 22 Central avenue, was established April 26, 1918. It was an effort upon the part of numerous Lynn mer- chants to have a bank owned and controlled by themselves. Its first and present capital represents $200,000. Its surplus is now $50,000; re- sources and liabilities, $2,500,000; deposits in June, 1921, $1,800,000. The first officers were Thomas H. Logan, president; James J. Donohue, vice-president ; Ernest G. Mitchell, cashier; Frank E. Falkins, assistant cashier. The 1921 officers are: Ernest G. Mitchell, president; James J. Donohue and Hiram E. Miller, vice-presidents ; Frank E. Falkins, cashier.
The West Lynn Trust Company was established August 2, 1920, by the Lynn State Bank. August 2, 1920, the West Lynn Trust Company succeeded the Lynn State Bank, taking over all of its assets and liabili- ties. The Lynn State Bank was established November 1, 1919. The first officers of the Lynn State Bank, were Ernest G. Mitchell, president ; Benjamin F. Nason, treasurer. The present officers are William T. Mur- phy, president, and chairman of the board of directors ; Frank S. Newton, vice-president ; J. J. Donohue, vice-president ; John M. Nichols, treasurer. The first capital was $100,000, same as today; the surplus is now $25,- 000 ; resources and liabilities, $550,000; recent deposits, $420,000.
Danvers-The earliest bank established in Danvers, prior to the division of the town, was the Danvers bank, incorporated February 26, 1825. The Western Bank was incorporated March 5, 1832, and both be- came Peabody institutions. The Village Bank was chartered by the legislature March 31, 1836, with a petition signed by John Page, Moses Black, Elias Putnam, Jeremiah Stone, Allen Putnam, Daniel P. King and Jacob F. Perry. The first meeting of stockholders was held at Eben G. Berry's tavern, April 22, 1836. Elias Putnam was chosen moderator, and Moses Black, Jr., clerk. The Sleeper residence was pur- chased for $2,800, and it was converted into a bank building. This was
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a large brick building on the northwest corner of the square of Plains Village. In June, 1836, it was voted "an engraving be taken, represent- ing the location and situation of the bank and vicinity for a picture on the bills." In the great fire of 1845, this building was destroyed, and various other buildings became the home of this concern, until 1854, when it erected a good brick structure. The charter of the bank was extended in 1849 to January, 1875. In 1864 it became the First National Bank of Danvers. William L. Weston was cashier for forty-three years, then resigned, succeeded by Benjamin E. Newhall, who held the posi- tion until 1906. The Danvers National Bank succeeded the First Na- tional Bank in 1904, and Gilbert A. Tapley was president from 1904 to 1911; from 1911 to the present date, the president has been G. O. Simp- son; and since 1913 the cashier has been R. S. Higgins. When the First National Bank liquidated, the Danvers National Bank was formed by Gil- bert A. Tapley, Walter A. Tapley, William M. Currier, Robert K. Sears and G. O. Stimpson. Its capital is $100,000; resources and liabilities, $975,705.64; recent deposits, $785,455.82. A brick and granite building constructed in 1855 is now valued at $50,000, and this is the home of the present bank. The Danvers Savings Bank was incorporated March, 1850. Its first president was Gilbert Tapley, and William L. Weston was its treasurer for many years from the first of its history.
The Danvers Co-operative Bank was established in 1892, with first officers as follows: President and director, J. Fletcher Pope; vice-presi- dent and director, Joseph W. Woodman; treasurer and secretary, as well as one of the directors, Albert G. Allen, Jr. This bank is kept in the brick banking house of the Danvers National Bank; it was built in a cheap time, but the lot and building are still valued at $10,000. The assets in February, 1921, were $393,670.00. The present officers are as follows: President, Jasper Marsh; vice-president, Harry E. Jackson; treasurer, Carl A. Morse; clerk, A. E. Perkins; directors, Jasper Marsh, M. C. Pettingill, F. W. Marsh, Harry E. Jackson, Lester S. Couch, H. M. Wilkins, J. Ellis Nightingale, Winsor C. Nickerson; attorney, Harry E. Jackson.
Ipswich-The people of Ipswich and vicinity had no money for the first two decades after the settlement. The medium of exchange was musket-bullets, wampum, and later a few English coins. In 1652 silver was coined in Boston. Rogues soon began to clip and counter- feit the pieces, which occasioned the appointment of "searchers of coins." Massachusetts coined copper, silver and gold, from 1786 to 1789, and the United States began coinage in 1793-94. Paper money was issued as early as 1690. At first the bills were expedient to meet the great expenses of the government in prosecuting the wars, and other necessary expenses, but finally the people lost confidence in such money, and widespread distress ensued. In 1781 seventy-five dollars in paper would only equal one of silver money. In the nineteenth cen-
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tury the national coinage, a system of State banking, obtained until the War of the Rebellion came on, in 1861. Here in Ipswich an institution of this kind was established, or rather chartered, March 24, 1833, when Thomas Manning, Michael Brown, Ephraim F. Miller, Charles Kimball, Samuel N. Baker and Samuel S. Farrington became "the presi- dent, directors and company of the Ipswich Bank," to continue till Oc- tober 1, 1851; capital, $100,000. This banking house stood opposite where later stood the new savings bank.
"Joseph Ross, Aaron Cogswell, Frederick Willcomb and their asso- ciates and successors" were incorporated March 20, 1869, as the "Ips- wich Savings Bank." The present resources and liabilities are $1,288,- 665.02. The surplus in June, 1921, was $109,225.00; regular deposits, $1,167,938.33. The present officers are: President, George H. Green, vice-presidents, George Fall, Charles E. Goodhue; clerk, Arthur C. Damon; treasurer, George E. Farley. The trustees are as follows: George H. Green, Frank T. Goodhue, George E. Farley, David S. Farley, A. Story Brown, George Prescott, George B. Brown, Arthur C. Damon, Charles E. Goodhue, George Fall, Harry K. Damon, Clifford F. Chap- man, William G. Horton, Norman J. Bolles.
The First National Bank of Ipswich was established in 1892. Its capital has always been $50,000; present surplus and profits, $67,000; resources and liabilities, $596,600.00; recent deposits, $427,125.00. The bank is located in a brick building valued at $20,000. The organizers of this concern were as follows: George H. Carleton, C. J. Norwood, E. P. Dodge, E. H. Martin, H. A. Burnham, W. S. Russell, F. D. Hender- son, F. Willcomb, H. B. Little, I. J. Potter, William G. Brown. The first officers were: H. B. Little, president; W. S. Russell, vice-president; Charles M. Kelly, cashier. The present (1921) officers are C. Augustus Norwood, president; A. Story Brown, vice-president; Charles M. Kelly, cashier.
Andover-What was known as the Andover National Bank was originally chartered by the State Legislature, in 1826, under the name of "the president, directors and company of the Andover Bank." The cor- porators were Samuel Farrar, Joseph Kettredge, Henry Skinner, Fran- cis Kidder, Hobart Clark and Mark Newman. The first semi-annual dividend was three and one-half per cent. In 1865 this bank was or- ganized as the Andover National Bank, after which it commenced pay- ing four and one-half per cent, semi-annual dividends. This institution has always been careful and conservative, hence never has met with great losses. Square Farrar held the office of president for thirty years, when he resigned in favor of John Flint, who served till his death in 1873, and was succeeded by John L. Taylor, who served till 1880. Ed- ward Taylor followed Professor John Taylor. Up to 1887, all the presi- dents of this bank were treasurers of Phillips Academy, with the excep. tion of Mr. Flint. Present resources and liabilities, $1,565,594.60; cap-
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ital stock, $125,000; surplus, $100,000; undivided profits, $67,270.28; de- posits, $1,073,986.86. The officers are, Nathaniel Stevens, president ; James C. Sawyer, vice president; C. W. Holland, cashier. The directors are Frederic S. Boutwell, Burton S. Flagg, Frederick H. Jones, James C. Sawyer, George F. Smith, Samuel D. Stevens, Nathaniel Stevens.
The Andover Savings Bank was incorporated in 1834, in the month of April. It was at first styled the Andover Institution of Savings. Later its name was changed to Andover Savings Bank. This being a mutual savings bank, it advertised no stated capital. The first officers were Amos Abbot, president; Amos Abbot, Paschal Abbot, B. H. Pun- chard, N. W. Hazen, George Hodges, Nathaniel Stevens, John Smith, John White, trustees; John Flint, treasurer. The present surplus is $265,379.09 ; deposits, $6,571,119.45; resources and liabilities, $7,355,- 843.47. It operates in a leased building. A small amount was lost by a robbery many years ago. The present officers are Burton S. Flagg, president; George Abbot, Frederick S. Boutwell, John H. Campion, John N. Cole, David Shaw, George F. Smith, Alfred E. Stearns, Samuel D. Stevens, Colver J. Stone, trustees ; Samuel D. Stevens, vice-president ; Frederick S. Boutwell, treasurer; Alfred E. Stearns, clerk. The dates and names as follows show the order in which the various presidents of this bank have served: Amos Abbot, 1835-45; A. W. Hazen, 1845-52 : Samuel Gray, 1852-61; Nathaniel Swift, 1861-79; John Abbot, 1879-82; Moses Foster, 1882-95; Nathaniel Stevens, 1895-1904; John H. Flint, 1904-16; Burton S. Flagg, 1916 to the present time.
Marblehead-Early in January, 1804, the principal business men of Marblehead, together with a few so-called capitalists, subscribed $100,000 toward the establishment of a bank, and applied to the legis- lature for an act of incorporation. March 7th the governor signed the act to incorporate. It was known as the Marblehead Bank. Captain Joseph Barker was elected president, and John Pedrick cashier. The old "Lee Mansion" was later bought for $5,000, and converted into a banking house.
During the year 1831 the Grand Bank was incorporated with a cap- ital of $100,000, its present capital being $120,000. The first president was Joseph W. Green, and John Sparhawk, Jr., was cashier. It is known at this time as the National Grand Bank of Marblehead. The present officers are: Everett Paine, president; Frank Cole, cashier; R. B. Hampson, assistant cashier. The bank building is of brick and stone. The April, 1921, statement, shows resources and liabilities, $979,257.49; capital stock paid in $120,000; surplus, $100,000; undivided profits, $45,- 429.09 ; individual deposits subject to check, $574,894.92.
The Marblehead Co-operative Bank was established in 1886 with no specified fixed capital, with officers as follows: John Lancy, president ; John A. Martin, vice-president ; Henry C. Millett, treasurer. The pres- ent resources and liabilities amount to $337,000.00.
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The Marblehead Savings Bank, at 153 Washington street, was or- ganized March 18, 1871, by Jonathan H. Orne and many other citizens of Essex county. Its present resources and liabilities are $943,013.90; surplus, $58,114.10; recent deposits, $869,589.81. The original officers were John F. Harris, president; Jonathan H. Orne, N. P. Sanborn, Ben- jamin Lindsey, Thomas Garney, vice presidents; Isaac C. Wyman, Sam- uel Sparhawk, Henry Hooper, Thomas Appleton, Benjamin P. Ware, Henry A. Potter, William Hammond, Henry F. Pitman, William B. Brown, H. H. F. Whittemore, T. T. Paine, J. J. H. Gregory, Daniel Gile, R. P. A. Harris, trustees; William Gilley, Jr., treasurer; M. J. Doak, secretary. The bank is in a solid brick building valued at $10,000. The officers in the summer of 1921 are as follows: John L. Gilbert, president; Robert C. Bridge, E. S. Doane, William J. Goldthwait, Edward D. Tutt, vice-presidents ; Robert C. Bridge, Frank Cole, Frank E. Conly, Ernest S. Doane, Thomas S. Eastland, Edward W. Farrell, John L. Gilbert, William J. Goldthwait, Robert B. Hamson, William B. Merritt, William F. Nutting, Everett Paine, John D. Paine, Thomas W. Paine, Horace S. Swetland, Edward D. Tutt, Richard Tutt, Joseph S. Wormstead, trus- tees. The present treasurer is William F. Nutting; the clerk is Richard Tutt.
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