USA > Nebraska > Richardson County > History of Richardson County, Nebraska : its people, industries and institutions > Part 46
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The present officers of the First National Bank of Falls City are: President, Joseph H. Miles; vice-president, Arthur J. Weaver; cashier, J. S. Lord; assistant cashier, William Uhlig; assistant, G. S. Lyon ; directors, Joseph H. Miles, Arthur J. Weaver, John H. Morehead, P. H. Jussen and William Uhlig.
The report of the condition of the First National Bank at the close of business May 1, 1917, shows the following :
RESOURCES.
Loans and Discounts
$394,989.44
Overdrafts
4.221.98
U. S. bonds deposited to secure circulation (par value)
50.000.00
Other bonds to secure postal savings. 7.000.00
Bonds, securities, etc., on hand (other than stocks), including premiums on same
29,464.93
485.676.35
Subscription to stock of Federal Reserve Bank, 50 per cent of subscription
1.950.00
Furniture and fixtures
3.700.00
Real estate owned other than banking house
600.00
Due from approved reserve agents in central reserve cities. 15,305.83
Due from approved reserve agents in other reserve cities. 171.556.97
Due from banks and bankers other than above. 138,571.82
Checks on banks in same city or town as reporting bank
1,380.44
Outside checks and other cash items. $518.76
Fractional currency. nickels and cents
269.19
783.95
Notes of other national banks.
2.420.00
Federal Reserve bank notes.
500.00
Lawful reserve in vault and with Federal Reserve Bank
69,269.26
Redemption fund with U. S. Treasurer (not more than 5 per cent on circulation ) 2,500.00
402,288.27
Total
$$94.214.62
477
RICHARDSON COUNTY, NEBRASKA.
LIABILITIES.
Capital stock paid in.
$ 50,000.00
Surplus fund
14,000.00
Undivided profits
9.739.56
Circulating notes outstanding
49,300.00
Due to banks and bankers
$115,024.42
Individual deposits subject to check:
330,953.70
Certificates of deposit
308.774.49
Certified checks
15,500.00
Postal savings deposits
922.45
771.175.06
Total
$804.214.62
THE FALLS CITY STATE BANK.
The Falls City State Bank, while the youngest in years of either of the banks of Falls City, is one of the leading banks of the county. It was organized in 1895 by Silas P. Gist, of Salem, and William A. Greenwald, Thomas J. Gist, George Dorrington and William E. Dorrington, of Falls City, with William E. Dorrington as president; T. J. Gist, cashier; W. A. Greenwald, vice-president. The bank was organized with a capital of $50,- 000, which in the last few years has been increased to $75,000. The beauti- ful building in which the bank carries on business was erected in 1894-95 and is one of the most substantial business houses in the county. The present officers of the bank are: President, L. P. Wirth; vice-president, G. P. Greenwald; cashier, W. A. Greenwald; directors, L. P. Wirth, W. A. Greenwald, G. P. Greenwald, S. P. Gist and T. J. Gist.
The official statement at the close of business on February 13, 1917. shows :
RESOURCES.
Loans
$404.139.43
Overdrafts
1,225.63
Banking house, etc.
16,747.66
Cash
192,676.56
$614.789.28
LIABILITIES.
Capital stock
$ 75,000,00
Surplus and profits
16,747.66
Deposits
519,137.96
Guarantee fund
3,929,69
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$614,789.28
RICHARDSON COUNTY, NEBRASKA.
COMPARATIVE GROWTH OF DEPOSITS.
1895
$ 11.000,00
1900
43,000.00
1905
99,000,00
1910
168,000,00
1915
271,000,00
1916
361.000.00
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1917
635,000,00
THE RICHARDSON COUNTY BANK.
The Richardson County Bank was incorporated and commenced busi- ness in 1880. Its capital of $50,000 was all paid up in cash and it started in business with ample funds to meet the requirements of the city and country. . As a result its business has grown since the day it opened its doors, and each year has seen its business larger than the preceding year. It now has a capital of $50,000 and a surplus and undivided profits of over $25.000.
This bank was first located at 1509 Stone street, but in 1887 it pur- chased the corner right south of the court house and erected thereon the fine and commodious three-story building which it now occupies. Its present officers have been with it for many years. George W. Holland has been its cashier from the start; J. L. Slocum, its president, came into the bank in 1882 and has given it his constant attention since that date. J. R. Cain and W. H. Crook, two of its directors, also came into the organization at about the same time and have been associated with it every since. A. F. Schaible, one of its assistant cashiers, came to the bank in 1896, and B. K. Baker, another of it assistant cashiers, in 1905. It has always been the policy of the bank to make as few changes in its officers or directory as pos- sible. The result is that each of its officers and directors is well and per- sonally acquainted with all the citizens of the community.
During the time the bank has been in business it has passed through three panics, and at all times was able to furnish assistance to those needing and deserving help. The bank has always pursued a conservative course in transacting business and as a result, it has had but few losses, and very little litigation. It is today the oldest bank in the county and one of the oldest in the state. It is what might be called a close corporation, there being but few stockholders, the large bulk of the stock being owned by its officers and managers. During the life of the bank it has had but two deaths in the ranks of its stockholders and directors. In 1901 William Schock,
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. RICHARDSON COUNTY, NEBRASKA.
who had been vice-president of the bank, passed away; and in 1905, Ezra E. Mettz, who had been its assistant cashier since 1881, was laid to rest. Since 1882 J. L. Slocum, J. R. Cain, W. H. Crook and George W. Hol- land have been associated together in this bank, a period of thirty-five years. There is hardly a parallel case in the state of Nebraska, where four men have been in such close relations for such a long time. When these, men became associated together they were boys. The years have come and gone and now old age is beginning to show upon them, but they continue to render assistance in every way to make Falls City "the best place on earth."
The last statement of the bank, at the close of business, August 21, 1917, is hereto appended :
RESOURCES.
Loans and discounts
$637.522.15
Overdrafts
4.148.75
Bonds
31.395.06
Current expenses, interest and taxes paid
795.03
Banking house, furniture and fixtures.
7.000,00
Cash and sight exchange
252.962.12
Total
$933.824.01
LIABILITIES.
Capital stock
$ 50,000.00
Surplus and profits
27.119.00
Deposits
856,705.01
Total
$933,824.01
THE BRADA STATE BANK.
This bank is operating under state charter No. 924. The official report of the condition of the bank at the close of business, May 7, 1917, shows :
RESOURCES.
Loans and discounts
$ 52,634.40
Overdrafts
316.17
Banking house, furniture and fixtures
2.150,00
Current expenses, taxes and interest paid
257.75
Dne from national and state banks.
$40,319.86
Checks and items of exchange
1,817.87
Currency
1.760.00
Gold coin
$32.50
Silver, nickels and cents
224.29
44,954.52
Total
$100.312.84
480
RICHARDSON, COUNTY, NEBRASKA.
LIABILITIES.
Capital stock paid in
6,500,00
Surplus fund
2.200.00
Undivided profits
788.38
Individual deposits subject to check
$49.451.26
Time certificates of deposit
40,779.67
90.230.03
Depositors' guaranty fund
593.53
Total
$100,312.84
FARMERS STATE BANK OF STELLA.
This bank is operating under state charter No. 1306. The report of the condition of the bank at the close of business, .August 21, 1917, shows:
RESOURCES.
Loans and discounts
$66,837.61
Overdrafts 291.39
Bonds, security, judgments, claims.
2,000.00
Banking house, furniture and fixtures.
5,000.00
Current expenses, taxes and interest paid.
1.300.80
Due from national and state banks.
$12.490.05
Checks, items of exchange
S.50
Currency
866.00
Gold coin
560.00
Silver, nickels and cents
704.13 14,628.68
Total
$90,058.48
LIABILITIES.
Capital stock paid in
$15,000.00
Surplus fund
750.00
Undivided profits
1.889.64
Individual deposits subject to check
$49,408.30
Time certificate of deposit
22.595.83 72,004.13
Depositor's guaranty fund
414.71
Total
$90,058.48
FARMERS STATE BANK OF SHUBERT.
A condensed report of the condition of this bank, made to the state baiking board, August 21, 1917, shows:
RESOURCES,
Loans and discounts
$194.567.66
United States bonds
1 10,000.00
Overdrafts
1,400.72
Banking house and furniture.
3.875.00
Cash items
108.09
Cash and due from banks.
105,157.25
.
Total
$315,108.72
48
RICHARDSON COUNTY, NEBRASKA.
LIABILITIES.
Capital stock
$ 20,000.00
Surplus
8,000.00
Undivided profits (net)
2,440.73
Deposits
282,474.59
Depositors' guarantee fund
2,193.40
Total
$315.108.72
HOME STATE BANK OF HUMBOLDT.
The Home State Bank of Humboldt, of which Claud M. Linn, of that city, is president, was organized on February 1, 1915, by C. M. Linn, Otto Kotouc, S. M. Philpot, R. R. Philpot, Dr. George Gandy, Edward Uhri. Louis Stalder and Levi L. Davis. The capital stock was $25,000. The bank has had a steady and satisfactory growth from the day it opened its doors for business and is fast forging its way to the front rank of the banks of the county. It owns its own substantial brick building, which had been occupied as a banking house from the very early days of the town. It has lately been remodeled and new and modern fixtures installed. The deposits now (1917) amount to a total of $300,000, and the total resources are $335,000. The bank makes a specialty of farm loans and does a general banking business. The present officers of this institution are: C. M. Linn, president ; R. R. Philpot, vice-president; Otto Kotouc, cashier; Glen D. Jenkins, assistant cashier ; directors, C. M. Linn, R. R. Philpot, Otto Kotouc, Dr. George Gandy and Edward Uhri. The unprecedented success of this banking house is very largely due to the personal supervision given it by the president, Claud M. Linn, who is rated as one of the most painstaking, shrewd and farsighted business men of the county. This bank is strictly a home institution, as its name indicates, the capital being held strictly by those who are actual residents of Humboldt and directly interested in the welfare and upbuilding of that city. A report of the condition of the bank at the close of business August 21, 1917, shows :
RESOURCES.
Loans and discounts
$210,756.89
Overdrafts
668.08
Bonds, securities, judgments, claims, etc.
30,000.00
Banking house, furniture aud fixtures
5,000.00
Current expenses, taxes and interest paid.
2,212.64
Due from national and state banks.
$104.069.62
Checks and items of exchange
1,814.35
Currency
6,741.00
Gold coin
515.00
Silver, nickels and cents.
1.482.39 114,622.36
Total
$363,259.97
(31)
482
RICHARDSON COUNTY, NEBRASKA.
LIABILITIES.
Capital stock paid in
$ 25,000.00
Surplus fuud
1,500.00
Undivided profits
3,846.64
Individual deposits subject to check $196,556.56
Demand certificates of deposit.
134.700.95 331.257.51
Depositors' guaranty fund
1,655.82
Total
$363.259.97
THE DAWSON BANK OF DAWSON.
The Dawson Bank of Dawson was established in 1887, the organizers being M. Riley, B. S. Chittenden, Daniel Riley, M. B. Ryan, Thomas Fenton. Morgan McSweeny and Lawrence .A. Ryan, with a paid-up capital stock of $10,000. The first officers of the bank were: President, M. B. Ryan; vice-president, B. S. Chittenden; the directors being these and the afore- mentioned organizers. The present officers are: President, Daniel Riley : vice-president, L. M. Ryan; cashier, Dan J. Riley ; assistant cashiers, N. T. and Thomas R. Riley; the board of directors, including these officers and Bryan Riley, Thomas M. Ryan and T. R. Riley. The bank statement at the close of business, August 21, 1917, shows :
RESOURCES.
Loans and discounts
$246,458.87
Overdrafts
1.155.46
Bonds, securities, judgments, claims, etc.
9.425.00
Banking house, furniture and fixtures
3,500.00
Current expenses, taxes and interest paid.
658.80
Due from national and state banks
58.484.79
Currency
2.080.00
Gold coin
5,852.50
Silver, nickels and cents
1.353.83
67.771.12
Total
$328,969,25
LIABILITIES.
Capital stock paid in
$ 25.000.00
Surplus fund
26.000.00
Undivided profits
720.84
Individual deposits subject to check. $206,503.32
Time certificates of deposit
68.628.56 273.131.88
Depositor's guaranty fund
2.116.53
Total
$328.969.25
483
RICHARDSON COUNTY, NEBRASKA.
THE STATE BANK OF STELLA.
The one figure who stands out pre-eminent among others in the bank- ing business at Stella is that J. Robert Cain, Sr. He went to Stella in 1886 and bought the Bank of Stella, owned by Hull & Ferguson, and the State Bank of Stella, owned by Sweet Brothers, the purchase being made for a corporation : and Mr. Cain has been personally identified with the bank from that time to the present. The consolidation known as the State Bank of Stella was organized in January, 1886, with the following incorporators : Solomon Jameson, James L. Slocum, George W. Holland, B. R. Williams, J. R. Cain, Sr., and Charles L. Metz. The bank was organized with a capital stock of $25,000 and Mr. Cain became cashier. In July, 1886, the capital was increased to $30,000 and later was increased to $50,000. Mr. Cain became president in 1907. The last statement showed capital stock, $50,000; undivided profits, $2,500, and deposits, $250,000. This splendid banking house is one of the most substantial in the state and owns its own brick building, which is nicely furnished. The present officers are: Presi- dent, J. R. Cain, Sr .; cashier, E. C. Roberts; vice-president, J. F. Weddle ; assistant cashier, H. V. Davis; directors, J. R. Cain, James L. Slocum and J. F. Weddle.
STATE BANK OF HUMBOLDT.
The formal report of the condition of the State Bank of Humboldt at the close of business, August 21, 1917, shows :
RESOURCES.
Loans and discounts
$238,919.23
Overdrafts
3,589.53
Bouds, securities, judgments, claims, etc.
5,000.00
Banking house, furniture and fixtures
5.800.00
Other real estate
6,168.92
Current expenses, taxes and interest paid.
3,923.04
Cash items
350.00
Due from national and state banks
$123.946.34
Checks and items of exchange.
64.46
Currency
3,795.00
Gold coin
2,995.00
Silver, nickels and cents
1,165.57
Total Cash
$131,966.37
Total
$395.717.09
484
RICHARDSON COUNTY, NEBRASKA.
LIABILITIES.
Capital stock paid in
$ 50,000.00
Surplus fund
10,000.00
Undivided profits
6.499.96
Individual deposits subject to check
$178,643.14
Demand certificates of deposit
147,581.00
Total déposits
326,224.14
Depositors' guaranty fund
2,092.99
Total
$395.717.09
THE BANK OF RULO.
This bank is operating under charter No. 354. The formal report of the condition of the bank at the close of business, August 21, 1917, shows :
RESOURCES.
Loans and discounts
$101.174.60
Overdrafts
1.800.47
Current expenses, taxes and interest paid.
1,791.00
Cash items
66.93
Due from national and state banks.
87.891.47
Checks and items of exchange.
$ 1,654.62
Currency
2,009.00
Gold coin
3,935.00
Silver nickels and cents.
1.076,51
S.675.13
Total
$201.399.60
LIABILITIES.
Capital stock paid in
$ 20.000.00
Surplus fund
5.000.00
Undivided profits
4.087.25
Individual deposits subject to check.
$ 99,057.48
Demand certificates of deposits
72.009.94 171.067.42
Depositors' guaranty fund
1.244.93
Total
$201.399,60
STATE BANK OF VERDON.
This bank is operating under charter No. 433. The formal report of the condition of the bank at the close of business, August 21. 1917, shows:
485
RICHARDSON COUNTY, NEBRASKA.
RESOURCES.
Loans and discounts
$180,900.74
Overdrafts
298.74
Bonds, securities, judgments, claims, etc.
Other assets
14,000.00
Banking house, furniture and fixtures
1,959.50
Other real estate.
3,344.69
Current expenses, taxes and interest paid
2,787.20
Due from national and state banks.
$ 44,354.69
Checks and items of exchange
1,307.50
Currency
3,059.00
Gold coin
2,225.00
Nilver, nickels and cents
949.90 51.896.09
Total
$255,186.96
LIABILITIES.
Capital stock paid in
$ 25,000.00
Surplus fund
10.000.00
Undivided profits
3,418.17
Individual deposits subject to check
$ 72,855.92
Demand certificates of deposit
Time certificates of deposit 136,320.21
Due to national and state banks.
5,725.25 214,901.38
Depositors' guaranty fund
1.867.41
Total
$255.186.96
FARMERS AND MERCHANTS BANK OF VERDON.
The Farmers and Merchants Bank of Verdon is operating under state charter No. 821. A formal report of the condition of the bank at the close of business, August 21, 1917, shows :
RESOURCES.
Loans and discounts
$107,353.93
Overdrafts
- 122.34
Bonds, securities, judgments, claims, etc.
3,000.00
Banking house, furniture and fixtures.
4,553.00
Current expenses, taxes aud interest paid.
4,066.45
Due from national and state bauks
$37,157.78
Checks and items of exchange.
891.86
Currency
3,436.00
Gold coin
410.00
Silver, nickels and cents
920.49
42.817.13
Total
$161,912.85
486
RICHARDSON COUNTY, NEBRASKA.
LIABILITIES.
Capital stock paid in
$ 18.000.00
Surplus fund
5,000,00
Undivided profits
4.940,57
Individual deposits subject to check
$43.515.16
Time certificates of deposit.
67.915.80
Due to national and state banks.
11,223.06 122,654.02
Bills payable
10.000.00
Depositors' guaranty fund
1,318.26
Total
$161.912.85
A LOCAL INSURANCE COMPANY.
The Richardson County Farmers Mutual Fire and Lightning Insur- ance Company was organized in the month of June, 1887, the late Samuel Lichty having been the practical promoter of the same and leader in the movement that led to the general introduction of such companies in the state at large; for it was he who wrote the bill that was later introduced in the state Legislature by Henry Gerdes, at that time representing this district in the lower house, and the enactment of which paved the way for the organization of mutual insurance companies in Nebraska. Mr. Lichty also organized the Nebraska Mutual Insurance Company, or Farmers Mu- tual of Nebraska, which provides fire, lightning and tornado insurance, the Richardson county company writing its storm insurance through its present secretary, Hon. John Lichty, in this latter company. The Richardson com- pany, which was formally incorporated under the laws of the state in 1891. and which was originally backed by Samuel Lichty, I. W. Harris, George Abbott and George Watkins, began business with the aim of eventually writing $100,000 insurance, but that figure was passed within a few months. and that company now has more than 1,000 policyholders and has in force more than $2,750,000 dollars of insurance. It is an assessment company and the losses are almost so wholly negligible that in 1916 a levy of two mills covered all assessments against the policyholders. The present officers of the company are: President, N. D. Auxier, Verdon ; secretary, John Lichty. Falls City; treasurer. Joshua Bloom, Verdon, and directors, besides the above-named officers, John .\hern, Shubert: Martin Nolte, Falls City; S. H. Knisely, of Falls City; J. A. Hartman, Rulo: Gus Duerfeldt, Barada : R. R. Draper, Dawson; John Holechek, Humboldt. and E. E. Ewing, Ver- don. The offices of the company are kept open at Falls City.
CHAPTER XIX.
MILITARY HISTORY.
THE CIVIL WAR.
The years between the first settlement of Richardson county, in 1854. and the breaking out of the Civil War in 1861, constitute a memorable period in the history of our county. No community was ever organized under more seeming unfavorable circumstances. From the very moment that first mention was made in Congress of the opening of this country for white settlement, up to the time when the Territory of Nebraska was finally. erected out of the vast country north of the fortieth parallel and west of the Missouri river a fight was on, and the contest, led at first by Stephen A. Douglas, was clouded on both sides by an embryo sectional feeling, at first smouldering, but later to develop into the furies of war between the states.
The lure that brought men to Nebraska was not gold, nor gas, nor oil, nor precious gems, nor any of the several causes which, in later days have, as if by magic, suddenly induced great bodies of our population to seek new abodes, where such opportunity might be found and where towns as modern, if not more so, than those left behind have sprung into exist- ence almost over night. The heavy black soil of our state, then as now. was not overlooked by the practical eye of the one from older communities seeking land for its intrinsic value with a view of locating and following the call of husbandry. The soil was here and the opportunity for its development open to the world-a veritable agricultural paradise; but such an environment was not the all-impelling cause which brought men here- there was no such a thing as land hunger as we know the term today. It is, however, true that a large number of peaceful, plodding homeseekers, tillers of the soil. were among the lot, but their number placed them in the minority prior to 1860.
Those were days of brilliant men and Congress never before or since possessed an equal number of such distinguished statesmen and scholars, but the all-absorbing topic was human slavery and the long struggle among
488
RICHARDSON COUNTY, NEBRASKA.
the people of Kansas and Nebraska was forging a political revolution in . the thought of the entire country. Men came to Nebraska for the most part for political rather than for business or agricultural reasons. The settle- ment of Nebraska, as of Kansas, was an inspired political movement of partisans.
The dominant political party at the time, swaying state, church, com- merce and society in general was the advocate and supporter of slavery. The opposition party, made up of dissenting factions, as always the opposi -. tion party is, held to the abstract idea of the error of slavery; but the degree of error and the method by which it should be remedied, varied from wild conservatism-which would permit its existence, but prevent too rapid encroachment on free soil, to rabid abolitionism, which was for ex- terminating at once and by force, if need be, the iniquity of all iniquities. With such discordant and unstable materials, the fight was carried on for years.
OPENING OF THE PLATTE RIVER COUNTRY.
The bringing into favorable notice of the rich Platte river country, as a region from the Missouri river to the Rocky mountains, received great impetus during the years following the great rush to California at the time of the gold excitement. The development of this new section did not suggest to the powers that were merely the increase of national or personal wealth; it excited much more the desire and greed for the extension of political prestige, the success or non-success of which might forecast the rise or fall of the great dynasty which had for its foundation the institut- tion of human slavery.
Partisans of the two great schools of political thought of the time were here and played their parts as they did in other and older sections of both this and our sister state, Kansas, but owing to the fact that Rich- ardson county was but sparsely settled at that time, we escaped much of the turmoil so prevalent in more populous communities, where it mani- fested itself more forcibly.
Richardson county, while it furnished its full quota of those who fought in the war has very little as a county to show for the part it played in that great drama. The principal reason for this may be assigned to the fact that our population was small; the towns of the county were but hamlets. Falls City had been incorporated but four years and had fewer than a dozen houses.
489
RICHARDSON COUNTY, NEBRASKA.
When the first call came those who wished to enlist in the first rush, which filled the First Nebraska Regiment could, as many did, tramp to Nebraska City to join the companies there, and many crossed to the states of Missouri and Iowa and some went to Kansas and there enlisted. Of these Richardson county did not get credit, but at a later time, as the war continued and when fears were indulged of Indian outbreaks, the Second Nebraska Cavalry was formed and contained two companies raised in this county. These companies were enlisted in 1863 and were known as Com- pany G. and Company L. They left here on April 10 of that year and were sent north to Devils Lake, in Dakota, near the head of the James river, to quell an Indian uprising. The companies returned in November and were mustered out. The names of these members of the Second Ne- braska Cavalry follow, the list being compiled from the official roster dated in December. 1862, the place of residence of all being given as Falls City :
Company G.
Captain, Oliver P. Bayne, age 37.
First Lieutenant, Chauncey H. Norris, age 26.
Second Lieutenant, Joseph F. Wade, age 23.
First Sergeant, Samuel R. Stumbo, age 25.
Quartermaster Sergeant, Phillip Bremer, age 35, reduced to ranks May 1. 1863, by order of Colonel Furnas.
Quartermaster Sergeant, Joseph Broady, age 30.
Commissary Sergeant, Edmond J. Shellhorn, age 25.
Second Commissary Sergeant, Elias T. Minshall, age 40.
Third Commissary Sergeant, James Cameron, age 25.
Fourth Commissary Sergeant, George W. Blackburn, age 25.
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