USA > Massachusetts > Suffolk County > Professional and industrial history of Suffolk County, Massachusetts, Volume II > Part 29
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The Freemans Bank came into the National Bank system in 1865, and in October of that year it paid a dividend regular and extra of twenty-five per cent.
As we have indicated, all the records of the bank prior to the great fire of 1842 are matters largely of memory and tradition. On the night of Saturday, the 9th of November of that year the whole of Summer street, as well as all the adjoining business sections of the city, were enveloped in the great conflagration that has passed into history. Among the buildings destroyed was the one in which the Freeman's Bank was located. The vault which contained the books and records of this bank, embracing its whole history, together with the bills, notes and evidences of debt, fell from the second story and striking on a granite post was perforated, and the contents, charred and blackened and par- tially or wholly destroyed, were all that remained with which to begin business on Monday following the fire. The only book that was saved that threw any light upon the dealings of the bank was one that a clerk had asked to take home on Saturday night to discover a slight error in a column of figures.
The bank resumed business in the second story of the furniture ware- house then occupied by Haley, Morse & Boyden, on Washington street, opposite the Globe Theatre. Notice was at once given of the condition of the bank and of the necessity for every one interested to assist the bank in reaching a conclusion whether it could continue business as a bank or not. The amount of discounted notes that the bank had on the night of the fire in its vaults, according to a statement made subsequently by
301
BANKING INSTITUTIONS.
Jeremy Drake, the venerable cashier of the bank, was about $1, 100, 000. Packages of discounted notes to the amount of $850,000 were from time to time examined and deciphered by experts in the Treasury Depart- ment at Washington. Depositors were requested to bring in their deposit books and to show by their cash books, check books, checks or otherwise, what they had drawn and how their accounts stood, and duplicate notes were taken from merchants who showed that paper had been discounted for them at the bank, and by this and such other means as were at the bank's disposal the condition of the bank was reached. It certainly is one of the highest proofs of the integrity of the merchants of Boston in the hour of their dread calamity that when the statements were finally concluded and the bank was able to deter- mine what the loss probably had been, the amount was figured at the nominal sum of $6,000, and even this was attributed not to the suppres- sion of known facts but to the inability of merchants, because of the destruction of their own books and papers, to know accurately about their notes. All of the bank's customers loyally came to its assistance, and many a one, as he gave duplicates of notes that he had discounted. said, "I have no idea whether I shall ever be able to pay these notes, for my property is in ashes, but here is the evidence of them for the bank, whatever may be in store for me."
On Decoration Day, Friday, the 30th day of May, 1843, a fire again destroyed the building in which the Freemans Bank was located. A conspicuous sight to a passer down Washington street after that fire was the vault of the bank standing upright on its own foundation and unharmed either by falling walls or by fire. When the safe was cooled the contents were found uninjured. After this fire the bank moved into the Sears Building, corner of Court and Washington streets, where the first meeting of the directors was held on the Ist day of June, 18;3. In January following the Freemans Bank moved to 261 Devonshire street, where it remained until 1812, when it removed again to the Church Green Building, which had been erected on the site of the old building.
The first president of the Freemans Bank was Andrew Drake, who served until his death in 1813, a term of seven years. The second president was Solomon Piper, who served from that time till his death in the autumn of 1866, a period of twenty-three years. The third president was John 11. Rogers, who served from 1866 till isst, when he resigned after a period of twenty-one years as president and after
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SUFFOLK COUNTY.
having served faithfully and well as director and president for over fifty years. The fourth president, William A. Rust, has served from 1884 to the present time.
Mr. Jeremy Drake was the first cashier of the bank. He was chosen in 1836 and served without intermission till his death in October, ISTS, a period of about forty-two years. He was succeeded by Edward S. Hayward, who served as cashier till 1884, when he resigned. Mr. George P. Tenney was then elected and has served up to the present time, a period of about eight years.
The present officers and directors are as follows: President, William A. Rust; cashier, George P. Tenney; directors: Henry M. Rogers, Edmund S. Clark, John W. Kennan, Kilby Page, James Pierce, Sol- omon Piper Stratton, Albert E. Harding.
The condition of the Freemans National Bank at the close of business March 6, 1893, as reported to the comptroller of the currency, was as follows:
RESOURCES.
Loans and discounts
$2,202,005.63
U. S. bonds to secure circulation 50,000.00
Stocks, certificates, etc. 4,000.00
Due from approved reserve agents 264,641.99
Due from other National Banks. 126,275.48
Due from State Banks and bankers
884.93
Other real estate and mortgages owned
4,000.00
Current expenses and taxes paid
15,488. 15
Checks and other cash items
3.008.16
Exchanges for clearing-house
25.403.61
Bills of other banks
13,855.00
Fractional paper currency, nickels and cents.
687.06
Specie.
150,674.15
Legal tender notes
36,353.00
U. S. certificates of deposit for legal tenders 10,000.00
Redemption fund with U. S. treasurer (5 per cent. of circulation)
2,250.00
Total
$2,909,527.46
LIABILITIES.
Capital stock paid in $ $00,000.00
Surplus fund .. 135,100.00
Undivided profits. 90,761.18
National Bank notes outstanding 45,000.00
Dividends unpaid 300.00
Individual deposits subject to check 1,271,007.18
Demand certificates of deposit 48,254.81
Certified checks.
17,365.58
303
BANKING INSTITUTIONS.
Cashier's checks outstanding
10,507.79
Due to other National Banks
281,785.33
Due to State Banks and bankers.
109,195.66
Bills payable
40,000.00
Total
$2,909,527 46
MECHANICS' NATIONAL BANK.
The Mechanics' National Bank was originally incorporated as a State Bank in 1836, with a capital of $150,000, which has since been increased to $250,000. The original directors were: Noah Brooks, Charles Cole, jr .. Timothy Abbott, Thomas R. Dascomb, David Nickerson, John B. Russell, James W. Converse, John Leach, Solon Jenkins, Cranston lowe and Charles Lane. Samnel Goodridge was its first president and Alvan Simonds the first cashier. In 1865 the bank was organized under the National Banking act. C. O. L. Dilloway, the present presi- dent, has been connected with the bank for nearly thirty years. Francis James is vice-president and Samuel A. Merrill cashier. Since its organi- zation this bank has never failed to pay to its stockholders a semi- annual dividend ; has always pursued a careful and conservative policy, and endeavored to help maintain the splendid reputation always held by Boston banks. The board of directors for 1892 is as follows: C. O. L. Dilloway, W. M. Bush, M. M. Cunniff, W. E. L. Dilloway, Zenas Sears, L. G. Burnham, Francis James and George B. Clapp.
The financial condition of this bank, as reported to the comptroller of the currency at the close of business, March 6, 1893, was as follows:
KESOURCES.
Loans and discounts $1,189,345.84
Overdrafts, secured and unsecured
9.324.03
U. S. bonds to secure circulation. 50,000.00
Stocks, securities, etc
1,206.25
Due from approved reserve agents
161,391.11
Due from other National Banks 83,174.78
Banking-house furniture and fixtures 6,060.00
Current expenses and taxes paid.
18,643.03
Checks and other cash items. 10,765.11
Exchanges for clearing-house. $1.795.36
Bills of other banks 8,311.00
Fractional paper currency, nickels and cents
63.15
Specie
56.647.00
Legal tender notes
18,000.00
U. S. certificates of deposit for legal tenders 50,000.00
Redemption fund with U. S. Treasurer (5 per cent. of circulation) 2,250.00
Total
$1.749,920.33
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SUFFOLK COUNTY.
LIABILITIES.
Capital stock paid in
250,000,00
Surplus fund.
100,000.00
Undivided profits. 12.787.88
National Bank notes outstanding
45,000,00
Individual deposits subject to check.
1,194,690.31
Demand certificates of deposit
10,611.15
Certified checks
15,074.65
Due to other National Banks
1,055.54
Due to State Banks and bankers
90,600.50
Total .
$1,749,920.33
SHAWMUT NATIONAL BANK.
In May, 1836, the Warren Bank was organized. Its name was changed by legislative act to the Shawmut Bank in April, 1832, at which time the capital was increased from the original sum of $250, - 000 to $250,000. It remained a State bank until April, 1864, when it was reorganized under its present title of the Shawmut National Bank. Five years later, in 1869, its capital was increased to its present sum of $1,000,000. The original board of directors was composed of Benjamin T. Reed, Albert Fearing, John L. Dimmock, Josiah Reed, Gardner Brewer, John Gardner, Jairus B. Lincoln, Horace Scudder, Nathaniel Dana, Aaron Rice and William Bramhall. No one of this original board is now living ; the last survivor, John Gardner, died a few years ago.
Benjamin T. Reed, the first president of the bank, a well known and highly estcemed gentleman, resigned the office in 1848, having served twelve years. He was succeeded by John Gardner, who served till 1853, when Albert Fearing was chosen president. The latter held the office for one year, and was then succeeded by William Bramhall, senior member of the highly successful firm of Bramhall & Howe, shipping merchants. Mr. Bramhall continued in office for fourteen years, resigning in 1868 on account of failing health. llis successor, Hon. John Cummings, has served as president from that time to the present. Mr. Cummings has been prominently identified with the Massachusetts Institute of Technology, having been its treasurer for many years, and has done much for the education of youth. He has been a large manufacturer of leather, and is an expert in that line. He was one of the judges at the Centennial Exposition as well as one of the board of finance. For several years he was president of the Commer- cial Club. Some twenty years ago he served as State senator and is
dos Michewon
305
BANKING INSTITUTIONS.
well known as a gentleman of broad ideas and of sound and conserva- tive judgment.
Thomas Brown, the first cashier of the Shawmut Bank, served from 1836 to 1846, and was succeeded by Stephen G. Davis; who remained cashier until 1876, a period of thirty years. James P. Stearns, who succeeded Mr. Davis, is still serving in this capacity. J. G. Taft, the assistant cashier, has been connected with the bank for thirty-seven years. The second assistant cashier is Frank H. Barbour.
The directors of the bank, besides Mr. Cummings, are at present : Prentiss W. Scudder, formerly of the firm of Danforth Scudder & Com- pany, wholesale grocers, and now the oldest director in point of service, having been elected in 1860; Hon. Edward D. Hayden, recently mem- ber of Congress; William Basset, of the banking house of Basset, Whitney & Company; Moses N. Arnold, extensive shoe manufacturer at North Abington; George M. Coburn and Micajah P. Clough, in the boot and shoe business; William P. Spaulding, member of the well known firm of Noah Spaulding & Company, sugar refiners; and James P. Stearns, the cashier.
The location of the bank has been changed several times. It was originally at 16 State street; in 183% removed to 92 State street, and in 1844 to No. 43 State street. In 1844 it was removed to No. 60 Con- gress street, corner of Water, where it has since remained with the ex- ception of a temporary change to 41 State street during the rebuilding after the great Boston fire.
The Shawmut Bank is a designated repository for the public moneys, and the postal notes and money orders are redeemed by it through the Clearing-house. It has the largest circulation of any bank in Boston, and is known as one of the active and progressive banks of the city. Since its organization as a national bank in 1864, it has paid in divi- dends $1,890,000.
The condition of this bank at the close of business, March 6, 1893. as reported to the comptroller of the currency, was as follows:
RESOURCES.
Loans and discounts $3, 139,901.14
Overdrafts, secured and unsecured. 205.71
U. S. bonds to secure circulation 1,000,000.00
U. S. bonds to secure deposits 200,000.00
Stocks, securities, etc.
920,541.95
Due from approved reserve agents
865,458,95
Due from other National Banks.
447,700.88
39
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SUFFOLK COUNTY.
Due from State Banks and bankers
54,805.85
Other real estate and mortgages owned.
7,753.01
Current expenses and taxes paid
33,313.10
Premiums paid on U. S. bonds
192,000.00
Checks and other cash items
631.40
Exchanges for clearing-house
729,759.17
Bills of other banks.
11,384.00
Fractional paper currency, nickels and cents
1,334.24
Specie, viz. :
Gold coin.
$260,832.50
Gold certificates.
142,650.00
Silver dollars
4,006.00
Silver certificates
15,100.00
Fractional silver
3,331.25
425,919.75
Legal tender notes
192,100.00
Redemption fund with U. S. Treasury, 5 per cent. of circulation
45,000.00
Total
-88,267,809.15
LIABILITIES.
Capital stock paid in
$1,000,000.00
Surplus fund.
200,000.00
Undivided profits
100,561.10
National Bank notes outstanding
900,000.00
Dividends unpaid
9.00
Individual deposits subject to check
$2,914,883.43
Demand certificates of deposit
809,866.57
Certified checks
442, 436.15
Cashier's checks outstanding
760.67
4,167,947.82
United States deposits
173,144.29
Deposits of U. S. disbursing officers
31,061.77
Due to other National Banks
315,229.12
Due to State Banks and bankers
1,379,856.05
Total
$8,267,809.15
BOYLSTON NATIONAL BANK.
The Boylston Bank was incorporated under an act of the Legislature of the Commonwealth of Massachusetts, Chapter 125, passed to be en- acted March 13 and 14, 1845. The original corporators were Joseph H. Hayward, John Redman and Josiah Vose, their associates and suc- cessors.
The first meeting of the stockholders was held in room No. 1, Boyl- ston Hall, on Tuesday, June 3, 1845, for the purpose of determining on
30%
BANKING INSTITUTIONS.
the acceptance of the charter, also for the choice of directors and such other business as might legally come before them. The meeting was called to order by Col. Thomas Hunting; Warren White was chosen chairman, and Amos Cummings clerk. It was voted unanimously to accept the charter. It was also voted that the number of directors should be twelve. The canvassers nominated by the chair, Artemas Simonds, Ephraim Harrington and Henry K. Hancock, were chosen by the meeting.
After receiving and counting the votes, the canvassers declared that the following gentlemen were elected :
William Parker.
Warren White, served to Oct. 6, 1854.
William Pope, resigned Oct. 11, 1861, died Nov. 6, 1864, in his seventy-eighth year.
Timothy Gilbert, served to Oct. 5, 1848.
John M. Mayo,
Nov. 12. 1845.
Jonathan Ellis, Oct. 5. 1855.
Ruel Baker, " Oct. 5, 1848.
Amos Cummings.
William C. Fay.
Nov. 17, 1845.
Abner E. Fisher, .. Oct. 2, 1852.
Thomas Hunting,
Oct. 6, 1854.
Isaac Emery, Oct. 6, 1854.
On motion of William Parker, a committee of five, consisting of William Parker, William Brigham, Matthew S. Parker, Jonathan Ellis and William Pope, was appointed to draft by-laws and report at the adjourned meeting, June 24, at which meeting the by-laws were re- ported and unanimously adopted.
At a meeting of the directors held June 3, 1845, William Parker was elected president. The following gentlemen were chosen a committee to inquire and report as to the most eligible place for a banking house : Warren White, Ruel Baker, Timothy Gilbert and William Parker.
At a meeting held November 3, a committee on bills, appointed June 3, made their report, and it was voted that the committee be authorized to procure the plates for bills of the following denominations: ones, twos, fives and tens. Twenties, fifties, hundreds and five hundreds were also issued, and a plate for threes was voted May 14, 1852. At a meeting held November 8, it was voted that the committee on location
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SUFFOLK COUNTY.
be authorized to contract for a banking room in one of the three fol- lowing named buildings: D. C. Moseley's, corner of Washington and Boylston streets; John Redman's, corner of Essex and Washington streets; and J. M. Dexter's new granite block, Washington street. nearly opposite Essex street. Mr. Jonathan Ellis was added to the committec. At a meeting held November 11, on motion of Mr. Ellis it was voted that Mr. Warren White and Col. Ruel Baker be authorized to make a contract with Mr. John Redman for the room for a location of the bank at the corner of Essex street. The president was added to the committee. At a meeting held November 13 this vote was recon- sidered, and on motion of Mr. Emery it was voted unanimously that the committee be instructed to make a bargain with Mr. David C. Moseley. On the 11th of November Warren White and Thomas Hunt- ing were appointed a committee to purchase furniture for the bank, and Col. Ruel Baker was authorized to procure and paint the signs.
At a meeting held November 20, Duncan McB. Thaxter, of Fair- haven, was elected cashier, and Luther Blodgett was cleeted mes- senger.
On December 23 the commissioners appointed by Governor George N. Briggs to examine the specie in the vaults-Samuel H. Walley, John G. Palfrey and Henry Jacques-after weighing and examining the specie, administered the prescribed oath to the directors. Subse- quently a committee which had been authorized to make a contract with the Suffolk Bank, recommended that the Boylston Bank should join in the arrangement with other banks of Boston for the redemption of country bank bills by making the usual deposit of $5,000 in the Suf- folk Bank, and they stated that in consideration of an additional deposit of $1,000 the Suffolk Bank had agreed to receive all bills and cheeks on other banks in this city which might be received by the Boylston Bank on deposit and in exchange for its own bills. This report was approved and accepted.
The bank commenced business on Wednesday, December 24, 1845, in its rooms leased of David C. Moseley, at the north corner of Boyls- ton and Washington streets. The economy of the directors is shown by the passage of a vote December 29, 1846-more than a year after the bank started-appointing Messrs. Baker and Parker a committee to procure cushions for the chairs in the directors' room. The directors probably concluded that the bank had attained so firm a standing that they were entitled to more comfortable sittings.
-
309
BANKING INSTITUTIONS.
ELECTED.
OTHER DIRECTORS.
SERVED TO.
Nov. 14, 1845,
Albert Clark,
Oct. 4, 1849.
Nov. 12, 1845,
Nathaniel Jewett.
Oct. 5, 1848.
Oct. 6, 1854. Timothy Gilbert,
Oct. 11, 1861.
Oct. 6, 1854,
Thomas Upham.
()ct. 6, 1854,
Luther Blodgett.
Oct. 5, 1855,
William Brown.
Oct. 11, 1861, Joseph T. Bailey.
Oct. 11, 1861,
Edwin Pope.
William Parker, the first president, was elected June 3, 1845. llc was born November 2, 1493, and was the son of Rt. Rev. Samuel Parker, Bishop of Massachusetts (Episcopal). He was a lawyer by profession and was an alderman of the city of Boston in the years 1842, '43, '45, '46 and '4 ;. He held the office of president until January 6, 1855, when he resigned, as he was to take a trip to Europe the last of March to be absent abont six months. He continued to serve as a director. Col. William Pope, of the firm of William Pope & Sons, Inmber dealers, No. 280 Harrison avenue, and an alderman of the city of Boston in the years 1845, '46, '48 and '49, was elected president January 9, 1855. lle declined to serve, it being his intention to be absent much during the winter and spring. Timothy Gilbert, who was then elected president, was a piano manufacturer at No. 658 Washington street, as now num- bered, being part of the premises now occupied by John H. Pray, Sons & Co. He was one of the chief promoters of the Tremont Temple enterprise, and an carly and firm friend of the anti-slavery cause. Hle served to October 11, 1861. He died July 12, 1865, in the sixty-ninth year of his age. Amos Cummings was elected president October 11, 1861. He was a grocer and at different times occupied stores at north corner of Essex and Washington streets, north corner of Chickering Place and Washington street, and at No. 20 Summer street.
Duncan MeB. Thaxter, of Fairhaven, was elected cashier November 20, 1845, and served to May 1, 1848. He died in Somerville, August 28, 1888, in the ninety-second year of his age. His successor was John J. Soren, previously teller of the Washington Bank for about twenty- three years. Luther Blodgett was elected messenger November 20, 1845, and served until he resigned, April 1. 1851. January 13, 1816. Mr. Skilton was employed as a clerk, serving about two months. Fred- erick L. Church was elected bookkeeper from July 1, 18to, and served until his resignation, November 1, 1848. Daniel E. Snow was book-
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SUFFOLK COUNTY.
keeper from November 1, 1848, until he resigned, July 1, 1850. De- pendence S. Waterman, who entered the bank as assistant to the cashier January 24, 1849, was elected bookkeeper July 1, 1850. Charles W. Snow was elected clerk March 19, 1864, and was elected messenger June 11, 1864. Edward A. Church was elected clerk and general assistant June 11, 1864.
The capital stock of $150,000 was increased October 16, 1848, to $200,000; on June 6, 1851, to $250,000; on June 2, 1853, to $300,000; and on May 5, 1854, to $400,000.
The Boylston Bank under its State charter paid thirty-eight dividends amounting to $541,250, including an extra dividend May 1, 1853, of six per cent., amounting to $15,000.
The Boylston National Bank of Boston, successor to the Boylston Bank, was organized under act of Congress, approved June 3, 1864, by certificate of authority of the comptroller of the currency, October 24, 1864, organization No. 545. Attention is directed to the coincidence that the act was passed just nineteen years after the first meeting of the stockholders of the Boylston Bank. The bank commenced busi- ness on Thursday, December 1, 1864, in the rooms formerly occupied by the Boylston Bank, and remained there until its temporary removal at close of business, Saturday, February 28, 1844, to rooms on the north corner of Beach and Washington streets. On this site formerly stood a one-story stone building of Grecian style of architecture, which was occupied by the Washington Bank when it commenced business in 1825, Mr. Soren being its teller. The bank removed from its tempo- rary quarters about July 1, 1814, to its present location, the north cor- ner of Essex and Washington streets.
Of the original directors, after organization under the National Bank- ing act, William Parker served until his decease, October 29, 1823, nearly eighty years of age; Amos Cummings till his death, April 24, 1868, in his seventieth year; Thomas Upham till January 11, 1826; Luther Blodgett till his decease, August 18, 1814, nearly eighty years of age; William Brown till his death, February 10, 1875, in his seven- tieth year.
Of the present directors Joseph T. Bailey and Edwin Pope have served since 1865; Charles Cummings was elected January 12, 1869; Atherton T. Brown, March 24, 1815; Charles Torrey, March 24, 1875; George H. Green, May 19, 1877; Frank J. Coburn, April 15, 1891; George W. Coburn served as director from December 28, 1837, till his death, April 2, 1890, in his sixtieth year.
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BANKING INSTITUTIONS.
Amos Cummings was the first president and served until his decease, April 24, 1868, in the seventieth year of his age. Joseph T. Bailey was elected president May 13, 1868. He was successively a member of the firms of Bailey & Jenkins; Bailey, Jenkins & Garrison ; and Will- iams & Coburn, wool merchants, No. 105 Federal street; served as a trustee of the Massachusetts Charitable Mechanic Association for the years 1859, 1860 and 1861, and was its president for the years 1864, 1865, and 1866. It was during his administration that the tenth exhibi- tion of the association took place. Ile was an alderman of the city of Boston for the years 1859, 1860 and 1861. William Parker, esq., acted as president pro tem. during the illness of President Bailey from Decem- ber, 1868, to April, 1869, and during his absence abroad from July to the latter part of October, 18:0. Charles Torrey, of the firms of Bowker, Torrey & Company, No. 118 Portland street, and Torreys & Company, No. 69 Beverly street, marble and granite dealers, was elected vice-president May 6, 1891.
John J. Soren was the first cashier. He served to October 18, 1825, making his time of service in the Washington, Boylston and Boylston National Banks a little more than fifty years. He died February 20, 1889, aged eighty-five years and four months. Dependence S. Water- man was the bookkeeper until October 18, 1875, when he was elected cashier. He has been connected with the Boylston and Boylston National Banks forty-four years. Edward A. Church, clerk and general assistant, was elected messenger and assistant discount clerk November 2, 1868. He was elected bookkeeper October 18, 1815, and was appointed assistant cashier from April 2, 1888. Charles W. Snow, then messenger, was elected receiving teller November 2, 1868. He performed the duties of the paying teller for abont five months during the illness of that officer, until May 24, 1884, when he was elected pay- ing teller. Joseph T. Bailey 2d entered the bank as messenger in Feb- ruary, 1879, and became second bookkeeper June 1, 1881. He was elected receiving teller May 21, 1884, having served in that office about five months previous to his election. Herbert B. Bailey entered the bank as second bookkeeper December 12, 1883. Allen B. Davenport was elected assistant to the receiving teller from July 26, 1885, and was elected third bookkeeper from January 1, 1889. John W. Bailey came to the bank as messenger June 1, 1881, and became collection clerk August 1, 1885. Walter B. Ellis came to the bank as clerk De- cember 1, 1882, and became the messenger August 1, 1885. George
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